Performance At A Glance

 The highlights of financial position for the last 5 years are given below:

Key Financial Data & Key Ratios

Particulars 2005 2006 2007 2008 2009

Interest income 3446 5199 7170 9096 10831

Interest expenses 2271 3698 5267 7126 8426
Net interest income 1175 1500 1903 1970 2405
Non-interest income 1232 1732 2913 3808 5790
Non-interest Expenses 886 1101 1559 1931 2907
Net Non-interest income 346 631 1354 1877 2883
Profit before provision and tax 1520 2131 3257 3847 5289
Provision for loans and assets 320 390 910 1384 700
Profit after provision before tax 1201 1741 2347 2463 4589
Tax including deferred tax 633 689 946 1232 1805
Profit after tax 568 1052 1401 1232 2784
Balance Sheet
Authorized Capital 4000 4000 4000 10000 10000
Paid-up Capital 1400 1750 2275 2844 3555
Total Shareholder's equity 2808 3860 5273 6697 11745
Deposits 36022 54724 70512 88021 106956
Long-term liabilities 11406 16877 15267 31044 38209
Loans and advances 31916 45010 57683 75156 89252
Investments 3940 7844 12698 23103 19934
Property,Plant and Equipment 372 412 660 1375 1573
Earning Assets 37439 55458 72798 100261 109905
Net current assets 31 5286 1338 9962 3435
Total assets 41506 60899 79588 110437 124806
Current ratio 1.00 0.88 0.97 0.88 0.96
Equity Debt ratio 7.00% 7.00% 7.10% 6.45% 10.39%
Other Business
Import 40303 52639 70617 91424 96452
Export 28882 41801 51316 68550 76097
Remittance 3688 15050 15905 22669 26447
Guarantee Business 5303 5386 7033 10010 13673
Capital Measures
Total risk weighted assets 31890 44324 55485 72253 82710
Core capital (Tier-I) 2808 3860 5261 6265 9057
Supplementary capital (Tier-II) 369 549 1122 1594 3112
Total Capital 3177 4409 6383 7859 12168
Tier-I capital ratio 8.80% 8.71% 9.50% 8.67% 10.95%
Tier-II capital ratio 1.16% 1.24% 2.00% 2.21% 3.76%
Total capital ratio 9.96% 9.95% 11.50% 10.88% 14.71%
Credit Quality
Non performing loans (NPLs) 308 367 777 1323 1149
NPLs to total loans and advances(%) 0.96% 0.82% 1.35% 1.76% 1.29%
Provision for unclassified loans 365 545 895 1040 1303
Provision for classified loans 127 309 478 734 631
Share Information
Market price per share (Taka) 682 529 924 540 653
No. of shares outstanding(Million) 14 17.50 22.75 28.44 35.55
No. of shareholders (actual) 4467 5262 7368 9180 10339
Earnings per share (Taka) 40.59 60.11 61.57 43.32 78.33
Dividend 25.00% 30% 35% 25% 40%
    Cash 0.00% 0.00% 10.00% 0.00% 10%
    Bonus 25% 30% 25% 25% 30%
Effective dividend ratio 29.17% 33.33% 40.00% 27.78% 44.44%
Market capitalization 9541 9253 21021 15349 23212
Net asset value per share (Taka) 201 221 232 235 330
Price earning ratio (times) 16.79 8.80 15.01 12.46 8.34
Key Financial Ratios
Operating Performance Ratio
Net interest margin on average earning assets 3.64% 3.23% 2.97% 2.28% 2.29%
Net non-interest margin on average earning
1.07% 1.36% 2.11% 2.17% 2.74%
assets
Earning base in assets (average) 87.41% 90.71% 91.29% 91.07% 89.34%
Cost income raito 36.82% 34.07% 32.37% 33.42% 35.47%
Credit deposit raito 88.60% 82.25% 81.81% 85.38% 83.45%
Cost of funds on average deposits 7.09% 8.15% 8.41% 8.55% 8.41%
Yield on average advance 12.50% 13.52% 13.96% 13.69% 13.18%
Return on average assets 1.54% 2.05% 1.99% 1.30% 2.37%
Return on average equity 22.51% 31.55% 30.68% 20.58% 30.19%
Other information
No of Branches 41 50 61 70 84
No of SME - - - - 5
No of employees 1024 1172 1400 1551 1844
No of foreign correspondents 517 517 553 518 602
Average earning assets 32285 46448 64128 86530 105083
Average total assets 36934 51203 70244 95013 117622
Average depostis 32046 45373 62618 79266 97488
Average advance 27568 38463 51347 66420 82204
Average equity

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