Comparison of Five Commercial Banks - BD

AB Bank
Balance Sheet (Unconsolidated)
Amounts in BDT millions
Dec/13
Dec/12
Dec/11
Dec/10 Avg for 2013 Avg for 2012 Avg for 2011 % TA, 2013
Median %
Median %
Median % TA,
% TA, 2012 TA, 2012
% TA, 2011 TA, 2011
% TA, 2010 2010
%Change,
12 to 13
%Change,
11 to 12
Median
Median
%Change, 11 to %Change, 10 %Change, 10 to
12
to 11
11
ASSETS
1232
998
793
1,279
1,115
896
0.64
0.71
1.07
0.65
0.73
0.60
0.63
7.55
23.45
36.38
25.85
24.00
10034
8391
8,364
5,822
9,213
8,378
7,093
4.82
4.83
5.40
5.47
6.02
4.39
5.38
19.58
0.32
17.33
43.66
33.98
11,359
9,623
9,362
6,615
10,491
9,493
7,989
5.46
5.54
6.75
6.12
6.75
4.99
6.21
18.04
2.79
19.86
41.53
29.96
Balance with other banks and financial institutions inside Bangladesh
4744
5616
5,660
3,883
5,180
5,638
4,772
2.28
3.23
1.23
3.70
1.90
2.93
1.49
(15.53)
(0.78)
8.35
45.76
45.76
Balance with other banks and financial institutions outside Bangladesh
2495
3261
2,502
2,416
2,878
2,882
2,459
1.20
1.88
0.41
1.64
0.57
1.82
0.71
(23.49)
30.34
51.65
3.56
3.56
7,239
8,877
8,162
6,299
8,058
8,520
7,231
3.48
5.11
1.59
5.34
2.21
4.75
2.30
(18.45)
8.76
18.32
29.58
46.33
991
3671
666
380
2,331
2,169
523
0.48
2.11
0.48
0.44
0.44
0.29
0.39
(73.00)
451.20
0.00
75.26
75.26
19744
16,114
10,926
21,036
17,929
13,520
10.73
11.36
13.76
10.53
10.53
Cash in hand
Balance with Bangladesh Bank and agents
Total Cash
Total balance with other banks and financial institutions

Money at call and short notice
Government securities
Other securities
Total investments
Loans, cash credit, overdrafts, etc.
Bills purchased and discounted
Total loans and advances
Fixed assets including premises, furniture, and fixtures
Other assets
Non-banking assets
1325
9.84
13.09
22.53
29.14
47.48
47.48
6348
6371
5,442
3,637
6,360
5,907
4,540
3.05
3.66
1.96
3.56
1.82
2.74
2.03
(0.36)
17.07
17.07
49.63
16.67
28,676
26,115
21,556
14,563
27,396
23,836
18,060
13.79
15.02
15.72
14.09
14.09
10.98
12.75
9.81
21.15
26.88
48.02
139,068
105,374
93,411
85,598
122,221
99,393
89,505
66.86
60.61
63.74
61.07
65.27
64.51
65.85
31.98
12.81
18.09
9.13
18.46
1,054
692
1,227
2,404
873
960
1,816
0.51
0.40
2.55
0.80
2.93
1.81
4.22
52.31
(43.60)
9.22
(48.96)
(7.79)
140,122
106,066
94,638
88,002
123,094
100,352
91,320
67.36
61.01
65.68
61.87
68.39
66.32
71.83
32.11
12.08
18.34
7.54
16.33
4,173
4,230
3,854
3,926
4,202
4,042
3,890
2.01
2.43
2.63
2.52
1.99
2.96
1.51
(1.35)
9.76
9.76
(1.83)
63.59
15,446
15,261
14,725
12,906
15,354
14,993
13,816
7.43
8.78
3.45
9.63
3.62
9.73
4.44
1.21
3.64
3.27
14.09
14.09
22328
142,827
100.00
100.00
8.23
(1.00)
-1.00
100.00
100.00
100.00
100.00
100.00
19.65
13.65
20.15
15.28
1,715.95
48.02
Dec 09 assets
Total assets
208,006
173,843
152,963
132,691
190,925
163,403
19.71
106,912
Av.A 2010
119,802
LIABILITIES AND CAPITAL

-
Borrowings from other banks, financial institutions, and agents
7,972
439
9,473
4,206
3,590
8,107
3.83
0.25
1.50
4.41
1.73
7.14
0.20
(93.49)
0.00
(28.84)
Borrowings from Bangladesh Bank
2,015
3,210
3,507
4,727
2,613
3,359
4,117
0.97
1.85
0.48
2.29
0.29
3.56
0.54
(37.23)
(8.47)
0.00
(25.81)
(25.81)
Total borrowings from other banks, financial institutions, and agents
9,987
3,649
10,248
14,200
6,818
6,949
12,224
4.80
2.10
1.69
6.70
2.01
10.70
0.74
173.69
(64.39)
0.00
(27.83)
110.40
Subordinated debt
6,741
12,316
14,615
12,998
12,412
7.57
7.76
9.74
8.18
9.68
9.28
10.83
16.71
7.83
15.85
1.56
1.56
1,252
1,341
1,304
1,360
1,297
0.55
0.84
0.87
0.82
0.98
1.01
1.02
(22.29)
17.17
15.15
(6.64)
13.30
Savings and special notice deposits
17,093
14,861
26,701
22,452
15,977
20,781
24,577
8.22
8.55
8.22
17.46
8.77
16.92
9.91
15.02
(44.34)
24.12
18.92
15.64
Fixed deposits
91,742
80,453
68,077
53,631
86,098
74,265
60,854
44.11
46.28
62.36
44.51
62.79
40.42
61.72
14.03
18.18
18.91
26.94
26.94
130
130
65
130
(100.00)
0.00
36,128
29,758
7,483
5,832
32,943
18,621
6,658
17.37
17.12
161,845
140,027
116,151
95,702
150,936
128,089
105,927
77.81
80.55
Other liabilities
19,232
14,133
11,710
8,922
16,683
12,922
10,316
9.25
Total liabilities
191,064
157,809
138,109
118,824
174,437
147,959
128,467
91.86
Other deposits
Total deposits (includes deposits from other banks)
(1.00)
-
(1.00)
12,508
1,467
Bearer certificates of deposit
0.00
13,488
1,140
Bills payable
15,742
Current accounts and other accounts
4.89
4.40
21.41
297.67
0.00
28.31
81.69
75.93
80.54
72.12
81.65
15.58
20.56
20.56
21.37
21.37
8.13
6.18
7.66
5.19
6.72
4.98
36.08
20.69
24.28
31.25
31.25
90.78
91.03
90.29
90.55
89.55
90.66
21.07
14.26
22.67
16.23
20.71
Dec 09 capital
Total capital
Total liabilities and capital
16,940
16,034
14,853
13,867
16,487
15,444
14,360
8.14
9.22
9.06
9.71
9.57
10.45
10.45
5.65
7.95
8.61
7.11
13.19
208,004
173,843
152,962
132,691
190,924
163,403
142,827
100.00
100.00
100.00
100.00
100.00
100.00
100.00
19.65
13.65
20.15
15.28
19.71
2013
2012
2011
2010
%ATA 2013
Profit and Loss Account (Unconsolidated)
%Change,
12 to 13
Median
Median
Median
%ATA 2012 %ATA 2012 %ATA 2011 %ATA 2011 %ATA 2010 %ATA 2010
%Change,
11 to 12
Median
Median
%Change, 10
%Change, 11 to
%Change, 10 to
to 11
12
11
35.26
15,714
12,831
9,840
9.40
9.62
9.40
8.98
#REF!
8.21
9.73
14.25
22.47
31.19
14,174
12,592
10,437
6,359
7.42
7.71
7.42
7.31
#REF!
5.31
6.20
12.56
20.65
29.87
64.13
61.66
Subtotal: Net interest income
3,779
3,122
2,394
3,481
1.98
1.91
1.98
1.68
#REF!
2.91
3.58
21.04
30.41
32.36
(31.23)
(5.43)
Investment income
2,842
2,714
2,641
5,060
Commission, exchange, and brokerage income
3,021
2,461
2,213
Interest income
17,953
Interest expense
30.40
1.49
1.66
1.49
1.85
#REF!
4.22
(47.81)
(11.72)
2,117
1.58
1.51
1.13
1.55
#REF!
1.77
22.75
11.21
2.21
4.53
19.18
114
137
495
239
0.06
0.08
0.35
0.35
#REF!
0.20
0.35
(16.79)
(72.32)
0.79
107.11
18.58
Subtotal: Non-interest income
5,977
5,312
5,349
7,416
3.13
3.25
3.13
3.75
#REF!
6.19
5.01
12.52
(0.69)
-0.69
(27.87)
2.75
Subtotal: Total operating income
9,756
8,434
7,743
10,897
5.11
5.16
5.36
5.42
#REF!
9.10
8.97
15.67
8.92
8.92
(28.94)
3.22
Salaries and allowances
2,082
1,868
1,669
1,803
1.09
1.14
1.22
1.17
#REF!
1.50
1.67
11.46
11.92
29.88
(7.43)
15.91
467
410
339
Other operating (non-interest) income
3.06
4.72
#REF!
2.76
2.76
271
0.24
0.25
0.24
0.24
#REF!
0.23
0.29
13.90
20.94
26.74
25.09
22.22
13
10
13
0.01
0.01
0.01
0.00
#REF!
0.01
0.01
30.00
100.00
81.25
(61.54)
(20.00)
Postage, stamps, telecommunication, etc.
139
139
105
102
0.07
0.09
0.06
0.07
#REF!
0.09
0.08
32.38
13.19
2.94
13.95
Stationery, printing, advertisement, etc.
165
158
138
139
0.09
0.10
0.09
0.10
#REF!
0.12
0.13
4.43
14.49
14.49
(0.72)
25.79
11
10
10
0.01
0.01
0.01
0.01
#REF!
0.01
0.01
22.22
(10.00)
0.00
10.00
Directors' fees and expenses
0.00
0.00
0.00
0.00
#REF!
0.00
0.00
50.00
0.00
Auditors' fee
0.00
0.00
0.00
0.00
#REF!
0.00
0.00
(60.00)
150.00
0.00
Rent, taxes, insurance, electricity, etc. (occupancy expense)

Legal expenses
CEO salary and fees
576
379
303
239
0.30
0.23
0.18
0.21
#REF!
0.20
0.20
51.98
25.08
25.08
26.78
36.69
Other (non-interest) expense
1,006
1,093
858
909
0.53
0.67
0.41
0.60
#REF!
0.76
0.62
(7.96)
27.39
16.50
(5.61)
5.09
Subtotal: Total operating expenses (general/administrative expense)
4,464
4,074
3,431
3,490
2.34
2.49
2.34
2.40
#REF!
2.91
2.91
9.57
18.74
18.74
(1.69)
15.84
Subtotal: Profit/(loss) before provisions
5,292
4,360
4,312
7,407
2.77
2.67
3.11
3.02
#REF!
6.18
5.81
21.38
1.11
1.11
(41.78)
(5.73)
Provision for loans and advances
1,667
712
385
709
0.87
0.44
0.59
0.27
#REF!
0.59
0.59
134.13
84.94
63.93
(45.70)
(5.29)
Provision for diminution in value of investments
398
376
940
141
0.21
0.23
0.01
0.66
#REF!
0.12
5.85
(60.00)
566.67
(100.00)
Provision for off-balance-sheet items
240
84
30
100
0.13
0.05
0.07
0.02
#REF!
0.08
0.15
185.71
180.00
3.35
(70.00)
(51.85)
Other provisions
100
#REF!
0.08
0.03
(1.00)
100.00
(100.00)
(98.98)
Subtotal: Total provision
2,305
1,172
1,355
1,050
1.21
0.72
0.72
0.95
#REF!
0.88
0.88
96.67
(13.51)
26.11
29.05
22.41
Profit/(loss) before taxes
2,987
3,188
2,957
6,357
1.56
1.95
1.91
2.07
#REF!
5.31
5.16
(6.30)
7.81
-7.82
(53.48)
(11.72)
Provision for current tax expense
1,976
1,708
1,698
1.03
(37.18)
10.95
Depreciation on and repairs to bank's assets
0.00
#REF!
-46.76
2,703
1.03
1.05
1.19
#REF!
4.51
15.69
0.59
0.59
(3)
43
(68)
(41)
(0.00)
0.03
(0.05)
#REF!
(0.03)
0.01
(106.98)
(163.24)
-95.24
65.85
Subtotal: Total provision for tax
1,973
1,751
1,630
2,662
1.03
1.07
1.03
1.14
#REF!
2.22
1.77
12.68
7.42
7.42
(38.77)
11.15
Total profit/(loss) after taxes
1,014
1,437
1,327
3,695
0.53
0.88
1.42
0.93
#REF!
3.08
3.08 ROA
(29.44)
8.29
-14.65
(64.09)
(23.28)
6.15
9.30
#REF!
9.24
#REF!
30.76
31.09 ROE
6,184
5,316
4,675
8,077
3.24
3.25
#REF!
3.27
#REF!
6.74
5.77
32.28
13.65
(42.12)
(5.67)
2.79
2.78
4.13
3.55
Provision for deferred tax expense/(deferred tax income)
#REF!
40.00
Memo Items
Core income (estimated)
Efficiency ratio
Cash inflow from interest receipts

Other Operating Income - Other Operating Expense
Adjusted Operating Expense
17,457
15,714
12,831
9,840
97.24
100.00
(892)
3,458
(956)
2,981
(363)
2,573
(670)
2,581
(0.47)
1.81
(0.59)
1.82
2.73
107.28
#REF!
#REF!
2.82
100.00
(0.25)
1.80
3.09
108.17
#REF!
#REF!
100.00
106.98
(0.56)
2.15
(0.08)
2.47
(as % of
interest
income)
145.73
34.40
(57.58)
41.77
(45.82)
(0.31)
(4.74)
20.08
10,158
Av C 2010
12,013
Southeast Bank
Dec/13
Dec/12
Dec/11
Median %
% TA, 2012 TA, 2012
Median %
% TA, 2011 TA, 2011
Median % TA,
% TA, 2010 2010
%Change,
12 to 13
ASSETS
1,803
1,402
1,028
829
1,603
1,215
929
0.82
0.74
1.07
0.65
0.73
0.63
0.63
28.6
10,955
9,432
8,004
6,469
10,194
8,718
7,237
4.97
4.97
5.40
5.07
6.02
4.90
5.38
16.1
Total Cash
12,758
10,834
9,032
7,298
11,796
9,933
8,165
5.78
5.71
6.75
5.72
6.75
5.53
6.21
17.8
2,707
2,518
1,343
1,972
2,613
1,931
1,658
1.23
1.33
1.23
0.85
1.90
1.49
1.49
7.5
695
757
337
1,059
726
547
698
0.32
0.40
0.41
0.21
0.57
0.80
0.71
(8.2)
3,402
3,275
1,680
3,031
3,339
2,478
2,356
1.54
1.73
1.59
1.06
2.21
2.30
2.30
3.9
1,009
969
428
510
989
699
469
0.46
0.51
0.48
0.44
0.39
4.1
50,861
34,077
26,388
16,603
42,469
30,233
21,496
23.06
17.96
13.76
16.71
10.53
12.58
9.84
49.3
4,975
2,561
2,488
1,724
3,768
2,525
2,106
2.26
1.35
1.96
1.58
1.82
1.31
2.03
94.3
55,836
36,638
28,876
18,327
46,237
32,757
23,602
25.31
19.30
15.72
18.28
14.09
13.89
12.75
52.4
64.04
63.74
65.16
65.27
65.85
Cash in hand

Other securities
Total investments
65.85
7.0
5,679
5,730
4,625
5,572
5,705
5,178
5,099
2.57
3.02
2.55
2.93
2.93
4.22
4.22
(0.9)
135,690
127,268
107,547
92,452
131,479
117,408
100,000
61.52
67.06
65.68
68.09
68.39
70.07
71.83
6.6
7,642
7,613
7,301
4,463
7,628
7,457
5,882
3.46
4.01
2.63
4.62
1.99
3.38
1.51
0.4
Other assets
4,241
3,190
3,089
5,864
3,716
3,140
4,477
1.92
1.68
3.45
1.96
3.62
4.44
4.44
32.9
0.00
0.00

Non-banking assets
130,011
121,538
102,922
86,880
125,775
112,230
94,901
58.94
220,578
189,787
157,953
131,945
205,183
173,870
144,949
100
100
100.00
100
100.00
100
100.00
16.2
6,476
5,332
2,730
269
5,904
4,031
1,500
2.94
2.81
1.50
1.73
1.73
0.20
0.20
21.5
1,445
1,522
438
707
1,484
980
573
0.66
0.80
0.48
0.28
0.29
0.54
0.54
(5.1)
7,921
6,854
3,168
976
7,388
5,011
2,072
3.59
3.61
1.69
2.01
2.01
0.74
0.74
15.6
Total assets
Subordinated debt

Bills payable
Fixed deposits
(1.0)
12,189
9,284
10,049
13,195
10,737
9,667
6.44
6.42
9.74
5.88
9.68
7.62
10.83
1,915
1,756
1,525
1,346
1,836
1,641
1,436
0.87
0.93
0.87
0.97
0.98
1.02
1.02
9.1
14,119
8,515
6,657
5,774
11,317
7,586
6,216
6.40
4.49
8.22
4.21
8.77
4.38
9.91
65.8
147,273
130,490
109,743
90,561
138,882
120,117
100,152
66.77
68.76
62.36
69.48
62.79
68.64
61.72
12.9
14,201
Other deposits
(1.00)
-
16.5
177,508
152,950
127,209
107,730
165,229
140,080
117,470
80.47
80.59
81.69
80.54
80.54
81.65
81.65
16.1
Other liabilities
13,233
10,180
8,191
6,092
11,707
9,186
7,142
6.00
5.36
6.18
5.19
5.19
4.62
4.98
30.0
Total liabilities
198,662
169,984
138,568
114,798
184,323
154,276
126,683
90.06
89.57
91.03
87.73
90.55
87.00
90.66
16.9
21,916
19,803
19,384
17,145
20,860
19,594
18,265
9.94
10.43
9.06
12.27
9.57
12.99
10.45
10.7
220,578
189,787
157,952
131,943
205,183
173,870
144,948
100.00
100.00
100.00
100.00
100.00
100.00
100.00
16.2
Total capital
2013
2012
2011
2010
%ATA 2013
Median
Median
%ATA 2012 %ATA 2012 %ATA 2011 %ATA 2011
%Change,
12 to 13
Median %ATA
%ATA 2010 2010
Interest income
19,218
17,369
13,874
10,257
9.37
9.99
9.40
#REF!
#REF!
8.39
9.73
10.65
Interest expense
17,239
15,303
11,783
7,581
8.40
10.56
7.42
#REF!
#REF!
6.20
6.20
12.65
1,979
2,066
2,091
2,676
0.96
1.43
1.98
#REF!
#REF!
2.19
3.58
(4.21)
Investment income
4,713
3,209
3,268
3,788
2.30
1.85
1.49
#REF!
#REF!
3.06
46.87
2,440
2,054
2,275
1,701
1.19
1.18
1.13
#REF!
#REF!
449
377
431
325
6.08
7.52
0.35
#REF!
#REF!
0.27
0.35
19.10
7,602
5,640
5,974
5,814
102.90
112.55
3.13
#REF!
#REF!
4.75
5.01
34.79
9,581
7,706
8,065
8,490
4.67
4.43
5.36
#REF!
#REF!
6.94
8.97
24.33
1,255
980
845
729
0.61
0.56
1.22
#REF!
#REF!
0.60
1.67
28.06
469
367
280
228
0.23
0.21
0.24
#REF!
#REF!
0.19
0.29
27.79
0.00
0.00
0.01
#REF!
#REF!
129
103
91
0.06
0.06
0.06
#REF!
#REF!

Legal expenses
78
3.10
#REF!
#REF!
18.79
0.01
0.06
0.08
25.24
112
106
110
81
0.05
0.06
0.09
#REF!
#REF!
0.07
0.13
5.66
CEO salary and fees
11
11
10
0.00
0.01
0.01
#REF!
#REF!
0.01
0.01
(18.18)
0.00
0.00
0.00
#REF!
#REF!
0.00
0.00
(33.33)
0.00
0.00
0.00
#REF!
#REF!
0.00
0.00
295
245
254
183
0.14
0.14
0.18
#REF!
#REF!
0.15
0.20
20.41
Auditors' fee
420
454
652
421
0.20
0.26
0.41
#REF!
#REF!
0.34
0.62
(7.49)
2,693
2,271
2,251
1,734
1.31
1.31
2.34
#REF!
#REF!
1.42
2.91
18.58
6,888
5,435
5,814
6,756
3.36
3.13
3.11
#REF!
#REF!
5.52
5.81
26.73
548
1,336
815
1,644
0.27
0.77
0.59
#REF!
#REF!
0.59
(58.98)
181
345
648
(16)
0.09
0.20
0.01
#REF!
#REF!
102
157
203
0.05
0.09
0.07
#REF!
#REF!
0.17
0.15
12
12
0.01
0.01
0.00
#REF!
#REF!
0.00
0.03
843
1,850
1,467
1,832
0.41
1.06
0.72
#REF!
#REF!
1.50
0.88
(54.43)
6,045
3,585
4,347
4,924
2.95
2.06
1.91
#REF!
#REF!
4.03
5.16
68.62
2,700
1,924
2,381
2,146
1.32
1.11
21
15
(100.00)
Other provisions
1.34
#REF!
#REF!
(47.54)
(1.00)
1.03
#REF!
#REF!
0.00
#REF!
#REF!
0.01
0.01
#REF!
#REF!
1.77
1.77
#REF!
#REF!
2.26
3.08 ROA
#REF!
#REF!
19.41
31.09 ROE
#REF!
#REF!
#REF!
#REF!
40.33
2,700
1,925
2,402
2,161
1.32
1.11
1.03
3,345
1,660
1,945
2,763
1.63
0.95
1.42
6,859
5,512
6,035
6,852
3.94
3.80
5.60
5.77
4.02
4.03
2.73
4.77
3.09
6.22
3.55
11,717
11.58
11.37
107.28
113.63
108.17
114.23
106.98
40.26
Memo Items
Efficiency ratio

23,770
19,777
15,765
#REF!
29
(77)
(221)
(96)
0.01
(0.04)
#REF!
#REF!
#REF!
(0.08)
(0.08)
2,273
1,817
1,599
1,313
1.11
1.05
#REF!
#REF!
#REF!
1.07
2.47
(as % of
interest
income)
101.51
%Change, 11
to 12
Median
Median
%Change, 11 %Change, 10 %Change, 10
to 11
to 12
to 11
36.4
36.38
24.0
24.00
17.8
17.33
23.7
33.98
20.0
19.86
23.8
29.96
45.76
87.5
8.35
(31.9)
124.6
51.65
(68.2)
3.56
94.9
18.32
(44.6)
46.33
126.4
0.00
(16.1)
75.26
29.1
29.14
58.9
47.48
2.9
17.07
44.3
16.67
26.9
26.88
57.6
48.02
18.1
18.09
18.5
18.46
23.9
9.22
(17.0)
-7.79
18.3
18.34
16.3
16.33
4.3
9.76
63.6
63.59
3.3
3.27
(47.3)
14.09
-1.00
0.00
20.2
20.15
19.7
19.71
Dec 09 assetsAv.A 2010
95.3
0.00
914.9
247.5
0.00
(38.0)
(25.81)
116.4
0.00
224.6
110.40
0.00
31.3
15.85
(7.6)
1.56
15.1
15.15
13.3
13.30
27.9
24.12
15.3
15.64
18.9
18.91
21.2
26.94
0.00
0.00
20.2
20.56
18.1
21.37
24.3
24.28
34.5
31.25
22.7
22.67
20.7
20.71
2.2
8.61
13.1
13.19
20.2
20.15
19.7
19.71
112,677
122,311
Dec 09 capitalAv C 2010

11,329
14,237
Median
%Change, 11 %Change, 11 %Change,
to 12
10 to 11
to 12
Median
%Change, 10
to 11
25.19
31.19
35.26
29.87
29.87
55.43
61.66
(1.20)
32.36
(21.86)
(5.43)
(1.81)
2.76
(13.73)
(11.72)
(9.71)
2.21
33.74
19.18
(12.53)
0.79
32.62
18.58
(5.59)
-0.69
2.75
2.75
(4.45)
8.92
(5.01)
3.22
15.98
29.88
15.91
15.91
31.07
26.74
22.81
(75.00)
81.25
13.19
13.19
16.67
13.95
(3.64)
14.49
35.80
25.79
0.00
10.00
10.00
0.00
0.00
(3.54)
25.08
38.80
36.69
(30.37)
16.50
54.87
5.09
0.89
18.74
29.82
15.84
(6.52)
1.11
(13.94)
(5.73)
35.26
22.22
(20.00)
63.93
63.93
(50.43)
(5.29)
(46.76)
-46.76
(4,150.00)
(100.00)
3.35
(100.00)
(51.85)
200.00
100.00
300.00
(98.98)
26.11
26.11
(19.92)
22.41
(17.53)
-7.82
(11.72)
(11.72)
(19.19)
0.59
10.95
10.95
(95.24)
-95.24
40.00
40.00
(19.86)
7.42
11.15
11.15
(14.65)
-14.65
(29.61)
(23.28)
13.65
13.65
(11.92)
(5.67)
(113.12)
(57.58)
130.21
(4.74)
41.77
21.78
20.08
42.15
ONE Bank
Dec/13
Dec/12
Dec/11
Median %
TA, 2012
% TA, 2012
Median %
% TA, 2011 TA, 2011
Median %
% TA, 2010 TA, 2010
%Change,
12 to 13
ASSETS
Cash in hand
1,099
696
561
364
898
629
463
1.07
0.82
1.07
0.83
0.73
0.62
0.63
57.9
7,723
6,873
4,274
4,377
7,298
5,574
4,326
7.52
8.13
5.40
6.32
6.02
7.45
5.38
12.4
Total Cash
8,822
7,569
4,835
4,741
8,196
6,202
4,788
8.59
8.95
6.75
7.15
6.75
8.07
6.21
16.6
1,113
2,194
2,025
1,149
1,654
2,110
1,587
1.08
2.59
1.23
2.99
1.90
1.96
1.49
(49.3)
517
919
606
417
718
763
512
0.50
1.09
0.41
0.90
0.57
0.71
0.71
(43.7)
1,630
3,113
2,631
1,566
2,372
2,872
2,099
1.59
3.68
1.59
3.89
2.21
2.67
2.30
(47.6)
670
380
650
300
525
515
475
0.48
0.44
0.39
76.3
8,853
7,862
6,401
5,777
8,358
7,132
6,089
8.62
9.29
13.76
9.47
10.53
9.84
9.84
12.6
Other securities
1,439
1,930
1,727
1,714
1,685
1,829
1,721
1.40
2.28
1.96
2.55
1.82
2.92
2.03
(25.4)
10,292
9,792
8,128
7,491
10,042
8,960
7,810
10.02
11.58
15.72
12.02
14.09
12.75
12.75
5.1
66.47
63.74
65.27
65.27
65.84
65.85
29.5

Total investments
72,802
56,227
44,136
38,676
64,515
50,182
41,406
70.89
3,771
3,990
3,678
3,515
3,881
3,834
3,597
3.67
4.72
2.55
5.44
2.93
5.98
4.22
(5.5)
76,573
60,217
47,814
42,191
68,395
54,016
45,003
74.57
71.19
65.68
70.71
68.39
71.83
71.83
27.2
1,206
1,098
831
620
1,152
965
726
1.17
1.30
2.63
1.23
1.99
1.06
1.51
9.8
Other assets
3,213
2,133
2,446
1,503
2,673
2,290
1,975
3.13
2.52
3.45
3.62
3.62
2.56
4.44
50.6
284
284
284
326
284
284
305
0.00
0.00
102,690
84,586
67,619
58,738
93,638
76,103
63,179
100
100
100.00
100
100.00
100
100.00

Non-banking assets
Total assets
21.4

400
200
200
1.50
0.59
1.73
0.20
145
120
260
212
133
190
236
0.14
0.14
0.48
0.38
0.29
0.36
0.54
20.8
145
120
660
212
133
390
436
0.14
0.14
1.69
0.98
2.01
0.36
0.74
20.8
2.14
0.00
0.00
Subordinated debt
2,200
1,100
15,565
8,471
6,362
12,018
7,902
6,847
15.16
10.01
9.74
10.84
9.68
10.83
10.83
83.7
Bills payable
1,373
2,302
663
558
1,838
1,483
611
1.34
2.72
0.87
0.98
0.98
0.95
1.02
(40.4)
7,012
5,012
4,038
3,492
6,012
4,525
3,765
6.83
5.93
8.22
5.97
8.77
5.95
9.91
39.9
62,619
57,271
45,207
40,322
59,945
51,239
42,765
60.98
67.71
62.36
66.86
62.79
68.65
61.72
Fixed deposits
Other deposits
7,332
(1.00)
-
0.00
0.00
9.3
-
0.00
0.00
86,569
73,056
57,240
50,734
79,813
65,148
53,987
84.30
86.37
81.69
84.65
80.54
86.37
81.65
18.5
Other liabilities
5,202
3,986
3,373
2,926
4,594
3,680
3,150
5.07
4.71
6.18
4.99
5.19
4.98
4.98
30.5
Total liabilities
94,116
77,162
61,273
53,872
85,639
69,218
57,573
91.65
91.22
91.03
90.62
90.55
91.72
90.66
22.0
8,576
7,424
6,346
4,864
8,000
6,885
5,605
8.35
8.78
9.06
9.38
9.57
8.28
10.45
15.5
102,692
84,586
67,619
58,736
93,639
76,103
63,178
100.00
100.00
100.00
100.00
100.00
100.00
100.00
21.4
Total capital
2013
2012
2011
Median
%ATA 2012
2010
%ATA 2013
%ATA 2012
Median
%ATA 2011 %ATA 2011
Median
%ATA 2010 %ATA 2010
%Change,
12 to 13
Interest income
10,098
8,551
6,518
5,056
10.78
11.24
9.40
10.32
#REF!
9.73
9.73
18.1
Interest expense
7,050
5,799
4,559
3,194
7.53
7.62
7.42
7.22
#REF!
6.15
6.20
21.6
3,048
2,752
1,959
1,862
3.26
3.62
1.98
3.10
#REF!
3.58
3.58
10.8
Investment income
1,019
552
1,441
1,588
1.09
0.73
1.49
2.28
#REF!
3.06
3.06
84.6
1,061
1,016
994
834
1.13
1.34
1.13
1.57
#REF!
1.61
324
298
217
183
0.35
0.39
0.35
0.34
#REF!
0.35
0.35
8.7
2,404
1,866
2,652
2,605
2.57
2.45
3.13
4.20
#REF!
5.01
5.01
28.8
5,452
4,618
4,611
4,467
5.82
6.07
5.36
7.30
#REF!
8.60
8.97
18.1
1,756
1,401
1,030
866
1.88
1.84
1.22
1.63
#REF!
1.67
1.67
25.3
288
237
187
153
0.31
0.31
0.24
0.30
#REF!
0.29
0.29
21.5
0.00
0.01
0.01
0.01
#REF!
0.01
0.01
50
49
49
43
0.05
0.06
0.06
0.08
#REF!
0.08
0.08
2.0
0.14
0.09
0.14
#REF!
0.13
0.13
33.3

Legal expenses
144
108
89
69
0.15
#REF!
4.4
12
12
11
0.01
0.02
0.01
0.02
#REF!
0.02
0.01
0.00
0.00
0.00
0.00
#REF!
0.00
0.00
(16.9)
Auditors' fee
0.00
0.00
0.00
0.00
#REF!
0.00
0.00
5.6
369
238
190
139
0.39
0.31
0.18
0.30
#REF!
0.27
0.20
55.0
CEO salary and fees
368
233
200
163
0.39
0.31
0.41
0.32
#REF!
0.31
0.62
57.9
2,992
2,283
1,765
1,448
3.20
3.00
2.34
2.79
#REF!
2.79
2.91
31.0
2,460
2,335
2,846
3,019
2.63
3.07
3.11
4.50
#REF!
5.81
5.81
5.4
550
249
593
234
0.59
0.33
0.59
0.94
#REF!
0.45
0.59
120.9
(68)
30
0.01
(0.11)
#REF!
0.06
121
22
82
76
0.13
0.07
0.13
#REF!
0.15
0.03
0.00
0.03
271
607
340
0.72
0.36
0.72
0.96
#REF!
0.65
0.88
147.6
1,789
2,064
2,239
2,679
1.91
2.71
1.91
3.54
#REF!
5.16
5.16
(13.3)
422
985
857
823
0.45
1.29
1.03
1.36
#REF!
3.17
20
(65)
(30)
0.01
0.03
(0.10)
#REF!
(0.06)
0.01
(75.0)
1.25
#REF!
1.53
1.77
(57.5)
2.29
#REF!
3.63
3.08 ROA
#REF!
25.81
#REF!
47.55
31.09 ROE
#REF!
4.48
#REF!
#REF!
450.0
671
0.15
#REF!
Other provisions
#REF!
(57.2)
427
1,005
792
793
0.46
1.32
1.03
1,362
1,059
1,447
1,886
1.45
1.39
1.42
2,504
2,270
2,829
2,999
2.67
2.98
5.77
5.77
10.3
1.95
2.11
2.73
2.81
3.09
3.33
3.55
107.28
106.20
108.17
106.98
28.6
Memo Items
Efficiency ratio

(as % of
interest
106.98 income)
10,997
9,046
6,922
5,409
108.90
105.79
(44)
65
17
20
(0.05)
0.09
#REF!
0.03
#REF!
0.04
(0.08)
(167.7)
21.6
2,624
2,050
1,565
1,285
2.80
2.69
#REF!
2.48
#REF!
2.47
2.47
28.0
Median
%Change, 11 %Change, 11
to 12
to 12
%Change, 10
to 11
Median
%Change,
10 to 11
24.1
36.38
54.1
24.00
60.8
17.33
(2.4)
33.98
56.5
19.86
2.0
29.96
45.76
8.3
8.35
76.2
51.7
51.65
45.3
3.56
18.3
18.32
68.0
46.33
(41.5)
0.00
116.7
75.26
22.8
29.14
10.8
47.48
11.8
17.07
0.8
16.67
20.5
26.88
8.5
48.02
27.4
18.09
14.1
18.46
8.5
9.22
4.6
-7.79
25.9
18.34
13.3
16.33
32.1
9.76
34.0
63.59
(12.8)
3.27
62.7
14.09
-1.00
(12.9)
0.00
25.1
20.15
15.1
19.71
(100.0)
0.00
(53.8)
0.00
22.6
-25.81
(81.8)
0.00
211.3
110.40
0.00
15.5
15.85
15.2
1.56
247.2
15.15
18.8
13.30
24.1
24.12
15.6
15.64
26.7
18.91
12.1
26.94
0.00
0.00
0.00
0.00
27.6
20.56
12.8
21.37
18.2
24.28
15.3
31.25
25.9
22.67
13.7
20.71
17.0
8.61
30.5
13.19
25.1
20.15
15.1
19.71

45,163
51,951
0.00
0.00

3,069
3,967
Median
%Change, 11 %Change, 11
to 12
to 12
%Change, 10
to 11
Median
%Change,
10 to 11
31.2
31.19
28.9
35.26
27.2
29.87
42.7
61.66
40.5
32.36
5.2
-5.43
(61.7)
2.76
(9.3)
-11.72
2.2
2.21
19.2
19.18
37.3
0.79
18.6
18.58
(29.6)
-0.69
1.8
2.75
0.2
8.92
3.2
3.22
36.0
29.88
18.94
15.91
26.7
26.74
22.22
22.22
(50.0)
81.25
33.33
(20.00)
13.19
13.95
13.95
21.3
14.49
28.99
25.79
9.1
0.00
37.50
10.00
(5.3)
0.00
20.0
0.00
25.3
25.08
36.69
36.69
16.5
16.50
22.70
5.09
29.3
18.74
21.90
15.84
(18.0)
1.11
(5.73)
(5.73)
(58.0)
63.93
153.42
(5.29)
(100.0)
-46.76
(326.67)
(100.00)
3.35
7.89
(51.85)
(73.2)
-
100.00
(55.4)
26.11
78.53
22.41
(7.8)
-7.82
(16.43)
(11.72)
(98.98)
14.9
0.59
4.13
10.95
(130.8)
-95.24
116.67
40.00
26.9
7.42
(0.13)
11.15
(26.8)
-14.65
(23.28)
(23.28)
(19.8)
13.65
(5.67)
-
(5.67)
282.4
(57.58)
(15.00)
(4.74)
31.0
41.77
21.79
20.08
30.7
Prime Bank
Dec/13
Dec/12
Dec/11
Median %
% TA, 2012 TA, 2012
Median %
% TA, 2011 TA, 2011
Median
% TA,
% TA, 2010 2010
%Change,
12 to 13
%Change, 11
to 12
ASSETS
2,684
2,060
1,464
1,268
2,372
1,762
1,366
1.10
0.87
1.07
0.73
0.73
0.82
0.63
30.3
40.7
14,959
14,118
12,033
8,309
14,539
13,076
10,171
6.13
5.96
5.40
6.02
6.02
5.38
5.38
6.0
17.3
Total Cash
17,643
16,178
13,497
9,577
16,911
14,838
11,537
7.23
6.83
6.75
6.75
6.75
6.21
6.21
9.1
19.9
Cash in hand
244
251
377
417
248
314
397
0.10
0.11
1.23
0.19
1.90
0.27
1.49
(2.8)
(33.4)
627
1,393
1,139
619
1,010
1,266
879
0.26
0.59
0.41
0.57
0.57
0.40
0.71
(55.0)
22.3
871
1,644
1,516
1,036
1,258
1,580
1,276
0.36
0.69
1.59
0.76
2.21
0.67
2.30
(47.0)
8.4
0.48
0.44
0.39
(1.0)
56,147
44,937
34,396
19,368
50,542
39,667
26,882
23.02
18.97
13.76
17.20
10.53
12.55
9.84
24.9
30.6
792
4,734
982
1,116
2,763
2,858
1,049
0.32
2.00
1.96
0.49
1.82
0.72
2.03
(83.3)
382.1
56,939
49,671
35,378
20,484
53,305
42,525
27,931
23.35
20.97
15.72
17.69
14.09
13.27
12.75
14.6
40.4
64.79
63.74
66.31
65.27
70.40
15.7
Other securities
Total investments
65.85
(3.9)
6,208
7,449
6,820
7,396
6,829
7,135
7,108
2.55
3.15
2.55
3.41
2.93
4.79
4.22
(16.7)
9.2
153,589
160,890
139,409
116,056
157,240
150,150
127,733
62.98
67.93
65.68
69.72
68.39
75.19
71.83
(4.5)
15.4
6,407
4,363
3,975
1,695
5,385
4,169
2,835
2.63
1.84
2.63
1.99
1.99
1.10
1.51
46.8
9.8
Other assets
8,420
4,088
6,176
5,493
6,254
5,132
5,835
3.45
1.73
3.45
3.09
3.62
3.56
4.44
106.0
(33.8)
0.00
0.00
(1.0)
18.4

Non-banking assets
Total assets
147,381
153,441
132,589
108,660
150,411
143,015
120,625
60.43
243,869
236,834
199,951
154,341
240,352
218,393
177,146
100
100
100.00
100
100.00
100
100.00
3.0
3,668
18,038
10,385
3,719
10,853
14,212
7,052
1.50
7.62
1.50
5.19
1.73
2.41
0.20
(79.7)
73.7
190
2,644
585
1,495
1,417
1,615
1,040
0.08
1.12
0.48
0.29
0.29
0.97
0.54
(92.8)
352.0
3,858
20,682
10,970
5,214
12,270
15,826
8,092
1.58
8.73
1.69
5.49
2.01
3.38
0.74
(81.3)
88.5
2,500
2,500
2,500
2,500
1.25
0.00
1.62
0.00
(100.0)

Subordinated debt
Bills payable
Fixed deposits
22,633
10.91
11.56
9.74
11.82
9.68
14.02
10.83
(2.8)
15.8
2,081
3,421
2,993
2,438
2,751
3,207
2,716
0.85
1.44
0.87
1.50
0.98
1.58
1.02
(39.2)
14.3
21,126
19,189
17,944
15,302
20,158
18,567
16,623
8.66
8.10
8.22
8.97
8.77
9.91
9.91
10.1
6.9
152,087
132,069
115,250
85,196
142,078
123,660
100,223
62.36
55.76
62.36
57.64
62.79
55.20
61.72
15.2
14.6
-
26,612
27,374
23,629
21,637
26,993
25,502
Other deposits
(1.00)
-
0.00
0.00
0.00
0.00
201,906
182,053
159,816
124,573
191,980
170,935
142,195
82.79
76.87
81.69
79.93
80.54
80.71
81.65
10.9
13.9
Other liabilities
15,074
13,311
10,026
7,646
14,193
11,669
8,836
6.18
5.62
6.18
5.01
5.19
4.95
4.98
13.2
32.8
Total liabilities
220,838
216,046
183,312
139,933
218,442
199,679
161,623
90.56
91.22
91.03
91.68
90.55
90.66
90.66
2.2
17.9
23,030
20,787
19,139
16,908
21,909
19,963
18,024
9.44
8.78
9.06
9.57
9.57
10.95
10.45
10.8
8.6
243,868
236,833
202,451
156,841
240,351
219,642
179,646
100.00
100.00
100.00
101.25
100.00
101.62
100.00
3.0
17.0
Total capital
2013
2012
2011
2010
%ATA 2013
Median
%ATA 2012 %ATA 2012
Median
%ATA 2011 %ATA 2011
Median
%ATA
%ATA 2010 2010
%Change,
12 to 13
%Change, 11
to 12
Interest income
22,011
22,822
16,737
12,148
9.16
10.45
9.40
9.45
#REF!
12.18
9.73
(3.55)
36.36
Interest expense
17,678
17,410
12,648
7,824
7.36
7.97
7.42
7.14
#REF!
7.84
6.20
1.54
37.65
4,333
5,412
4,089
4,324
1.80
2.48
1.98
2.31
#REF!
4.33
3.58
(19.94)
32.36
Investment income
5,583
4,633
4,215
2,632
2.32
2.12
1.49
2.38
#REF!
2.64
2,155
2,429
2,689
2,262
0.90
1.11
1.13
1.52
#REF!
1.28

9.92
(9.67)
812
1,018
652
579
0.34
0.47
0.35
0.37
#REF!
0.58
0.35
(20.24)
56.13
8,080
7,556
5,473
3.56
3.70
3.13
4.27
#REF!
5.49
5.01
5.82
6.93
12,883
13,492
11,645
9,797
5.36
6.18
5.36
6.57
#REF!
9.82
8.97
(4.51)
15.86
2,939
2,673
2,058
1,684
1.22
1.22
1.22
1.16
#REF!
1.69
1.67
9.95
29.88
550
431
368
312
0.23
0.20
0.24
0.21
#REF!
0.31
0.29
27.61
17.12
38
29
16
20
0.02
0.01
0.01
0.01
#REF!
0.02
0.01
31.03
81.25
134
128
132
123
0.06
0.06
0.06
0.07
#REF!
0.12
0.08
4.69
(3.03)
0.14
0.09
0.15
#REF!
0.22
0.13
28.95
17.83
0.01
#REF!
0.01
0.01
9.09
22.22
0.00
#REF!
0.01
0.00
(20.00)
25.00
0.00
(1.00)
22.51
392
CEO salary and fees
304
12
11
Auditors' fee
348
332
20.51
(11.28)
8,550
Legal expenses
3.06
#REF!
258
223
0.16
0.00
0.01
0.01
0.00
0.00
0.00
0.00
0.00
0.00
219
0.14
0.15
0.18
0.15
#REF!
0.22
0.20
4.82
9
4
-
271
#REF!
991
1,028
1,074
1,022
0.41
0.47
0.41
0.61
#REF!
1.02
0.62
(3.60)
(4.28)
5,409
4,942
4,190
3,617
2.25
2.26
2.34
2.37
#REF!
3.63
2.91
9.45
17.94
7,474
8,550
7,455
6,180
3.11
3.92
3.11
4.21
#REF!
6.20
5.81
(12.59)
14.69
531
240
1.66
0.79
0.59
0.30
#REF!
0.24
0.59
130.29
225.80
0.01
0.02
0.01
130
270
0.00
0.06
0.07
3,984
1,730
25
44
10
140
0.07
#REF!
#REF!
#REF!
0.27
0.15
(1.00)
(92.86)
7.69
10
1,302
30
0.00
0.60
0.00
#REF!
0.03
0.03
(1.00)
4,029
3,216
661
540
1.68
1.47
0.72
0.37
#REF!
0.54
0.88
25.28
386.54
3,445
5,334
6,794
5,640
1.43
2.44
1.91
3.84
#REF!
5.65
5.16
(35.41)
(21.48)
1,616
2,450
2,907
2,285
0.67
1.12
186
224
250
Other provisions
1.03
1.64
#REF!
2.58
(34.04)
(15.72)
0.09
0.13
#REF!
0.25
0.01
(100.00)
(16.96)
1.77
#REF!
2.54
1.77
(38.69)
(15.81)
2.07
#REF!
3.11
3.08 ROA
(32.21)
(26.33)
31.09 ROE
1,616
2,636
3,131
2,535
0.67
1.21
1.03
1,829
2,698
3,663
3,105
0.76
1.24
1.42
7,653
8,560
7,877
6,623
#REF!
Memo Items
Efficiency ratio

27,019
25,883
18,162
12,442
#REF!
#REF!
20.32
#REF!
31.09
#REF!
#REF!
4.45
#REF!
6.64
5.77
2.73
2.73
3.53
3.09
3.55
3.55
122.75
107.28
108.51
108.17
102.42
(2.84)
(as % of
interest
106.98 income
(179)
(10)
(422)
(443)
#REF!
#REF!
(0.24)
#REF!
(0.44)
(0.08)
(57.58)
4,418
3,914
3,116
2,595
#REF!
#REF!
1.76
#REF!
2.60
2.47
41.77
Median
%Change,
11 to 12
%Change, 10 to
11
Median
%Change, 10
to 11
36.38
15.5
24.00
17.33
44.8
33.98
19.86
40.9
29.96
45.76
8.35
(9.6)
51.65
84.0
3.56
18.32
46.3
46.33
0.00
75.26
29.14
77.6
47.48
17.07
(12.0)
16.67
26.88
72.7
48.02
18.09
22.0
18.46
9.22
(7.8)
-7.79
18.34
20.1
16.33
9.76
134.5
63.59
3.27
12.4
14.09
-1.00
0.00
20.15
29.6
19.71
0.00
179.2
0.00
0.00
(60.9)
-25.81
0.00
110.4
110.40
0.00

45,163
99,752
0.00
15.85
9.2
1.56
15.15
22.8
13.30
24.12
17.3
15.64
18.91
35.3
26.94
0.00
0.00
0.00
0.00
20.56
28.3
21.37
24.28
31.1
31.25
22.67
31.0
20.71
8.61
13.2
13.19
20.15
29.1
19.71

3,069
9,989
Median
%Change,
11 to 12
%Change, 10 to
11
Median
%Change, 10
to 11
31.19
37.78
29.87
61.66
61.66
32.36
(5.43)
(5.43)
2.76
60.14
(11.72)
2.21
18.88
19.18
0.79
12.61
18.58
-0.69
38.06
2.75
8.92
18.86
3.22
29.88
22.21
15.91
26.74
17.95
22.22
81.25
(20.00)
(20.00)
13.19
14.49
35.26
7.32
13.95
15.70
25.79
0.00
10.00
0.00
(20.00)
0.00
25.08
23.74
36.69
16.50
5.09
5.09
18.74
15.84
15.84
1.11
20.63
(5.73)
63.93
121.25
-46.76
(100.00)
(5.29)
3.35
(51.85)
(51.85)
100.00
(100.00)
(98.98)
26.11
22.41
22.41
-7.82
20.46
(11.72)
0.59
27.22
10.95
-95.24
(10.40)
40.00
7.42
23.51
11.15
-14.65
17.97
(23.28)
13.65
18.93
(5.67)
(57.58)
(4.74)
(4.74)
41.77
20.08
20.08
United Commercial Bank Ltd. (UCBL)
Dec/13
Dec/12
Dec/11
Median %
% TA, 2012 TA, 2012
Median %
% TA, 2011 TA, 2011
Median %
% TA, 2010 TA, 2010
%Change,
11 to 12
Median
%Change,
11 to 12
%Change,
10 to 11
ASSETS
3,050
2,615
1,762
1,616
2,833
2,189
1,689
1.35
1.26
1.07
1.04
0.73
1.24
0.63
73.1
36.38
9.0
12,225
13,596
11,273
8,414
12,911
12,435
9,844
5.40
6.55
5.40
6.67
6.02
6.48
5.38
8.4
17.33
34.0
Total Cash
15,275
16,211
13,035
10,030
15,743
14,623
11,533
6.75
7.81
6.75
7.72
6.75
7.72
6.21
17.2
19.86
30.0
6,074
3,479
3,208
1,278
4,777
3,344
2,243
2.68
1.68
1.23
1.90
1.90
0.98
1.49
89.3
8.35
151.0
920
1,234
532
546
1,077
883
539
0.41
0.59
0.41
0.31
0.57
0.42
0.71
72.9
51.65
(2.6)
6,994
4,713
3,740
1,824
5,854
4,227
2,782
3.09
2.27
1.59
2.21
2.21
1.40
2.30
87.0
18.32
105.0
1,570
7,160
5,070
1,120
4,365
6,115
3,095
0.48
0.44
0.39
(69.0)
0.00
352.7
31,154
21,653
16,303
12,408
26,404
18,978
14,356
13.76
10.44
13.76
9.65
10.53
9.55
9.84
91.1
29.14
31.4
4,433
4,437
3,080
2,640
4,435
3,759
2,860
1.96
2.14
1.96
1.82
1.82
2.03
2.03
43.9
17.07
16.7
35,587
26,090
19,383
15,048
30,839
22,737
17,216
15.72
12.58
15.72
11.48
14.09
11.59
12.75
83.6
26.88
28.8
64.00
63.74
18.09
23.6
Cash in hand

Other securities
Total investments
Other assets
Non-banking assets
Total assets
65.85
28.0
4,396
3,304
2,765
2,374
3,850
3,035
2,570
1.94
1.59
2.55
1.64
2.93
1.83
4.22
59.0
9.22
16.5
148,665
144,269
136,072
132,768
115,506
112,741
93,561
142,369
125,789
104,534
65.68
65.59
65.68
68.39
68.39
72.04
71.83
28.7
18.34
23.5
7,957
5,223
3,288
1,966
6,590
4,256
2,627
3.52
2.52
2.63
1.95
1.99
1.51
1.51
142.0
9.76
67.2
10,285
11,979
8,870
6,328
11,132
10,425
7,599
4.54
5.77
3.45
5.25
3.62
4.87
4.44
16.0
3.27
40.2
(1.0)
-1.00
100
100
100.00
100.00
34.0
20.15
30.0
226,333
207,448
168,892
2,724
1,200
1,093
3,817
1,200
91,187
129,877
138,519
122,755
101,964
149,385
63.74
66.75
100
65.27
100.00
70.21
216,891
188,170
100
1,962
600
1.20
0.58
1.50
1.73
0.20
0.00
547
0.48
0.48
0.29
0.54
0.00
2,509
600
1.69
0.58
1.69
2.01
0.74
0.00
0.00
0.1
(10.6)
Subordinated debt
Bills payable
Fixed deposits
16,345
9.74
8.84
9.74
9.68
9.68
12.58
10.83
34.8
15.85
2,462
2,562
2,273
2,543
2,512
2,418
2,408
1.09
1.24
0.87
1.35
0.98
1.96
1.02
8.3
15.15
19,065
16,224
14,811
14,030
17,645
15,518
14,421
8.42
7.82
8.22
8.77
8.77
10.80
9.91
28.7
24.12
5.6
141,329
133,409
106,047
80,161
137,369
119,728
93,104
62.44
64.31
62.36
62.79
62.79
61.72
61.72
33.3
18.91
32.3
0.00
0.00
0.00
22,041
18,335
16,353
16,337
20,188
17,344
Other deposits
(1.00)
-
0.00
-
184,897
170,530
139,484
113,071
177,714
155,007
126,278
81.69
82.20
81.69
82.59
80.54
87.06
81.65
32.6
20.56
23.4
Other liabilities
17,314
17,547
13,441
8,989
17,431
15,494
11,215
7.65
8.46
6.18
7.96
5.19
6.92
4.98
28.8
24.28
49.5
Total liabilities
206,028
189,277
152,925
122,060
197,653
171,101
137,493
91.03
91.24
91.03
90.55
90.55
93.98
90.66
34.7
22.67
25.3
20,505
18,171
15,966
7,817
19,338
17,069
11,892
9.06
8.76
9.06
9.45
9.57
6.02
10.45
28.4
8.61
104.2
226,533
207,448
168,891
129,877
216,991
188,170
149,384
100.09
100.00
100.00
100.00
100.00
100.00
100.00
34.1
20.15
30.0
Total capital
2013
2012
2011
2010
%ATA 2013
Median
%ATA 2012 %ATA 2012
Median
%ATA 2011 %ATA 2011
Median
%ATA 2010 %ATA 2010
Median
%Change, %Change,
11 to 12
11 to 12
%Change,
10 to 11
Interest income
22,999
21,319
15,352
9,468
10.60
11.33
9.40
10.28
#REF!
10.82
9.73
49.81
31.19
62.15
Interest expense
15,920
14,705
10,203
5,633
7.34
7.81
7.42
6.83
#REF!
6.44
6.20
56.03
29.87
81.13
7,079
6,614
5,149
3,835
3.26
3.51
1.98
3.45
#REF!
4.38
3.58
37.48
32.36
34.26
Investment income
2,666
1,419
1,740
1,971
1.23
0.75
1.49
1.16
#REF!
2.25
3.06
53.22
2.76
(11.72)
1,888
1,429
1,648
1,360
0.87
0.76
1.13
1.10
#REF!
0.91
14.56
2.21
21.18
764
716
758
688
0.35
0.38
0.35
0.51
#REF!
0.79
0.35
0.79
0.79
10.17
5,318
3,564
4,146
4,019
2.45
1.89
3.13
2.78
#REF!
4.59
5.01
28.27
-0.69
3.16
12,397
10,178
9,295
7,854
5.72
5.41
5.36
6.22
#REF!
8.97
8.97
33.37
8.92
18.35
2,891
2,366
1,785
1,796
1.33
1.26
1.22
1.19
#REF!
2.05
1.67
61.96
29.88
(0.61)
682
637
450
373
0.31
0.34
0.24
0.30
#REF!
0.43
0.29
51.56
26.74
20.64
Legal expenses
66
11
11
0.03
0.01
0.01
0.00
#REF!
0.01
0.01
842.86
81.25
(36.36)
92
87
65
54
0.04
0.05
0.06
0.04
#REF!
0.06
0.08
41.54
13.19
20.37
0.11
0.09
(10.00)
14.49
25.79
10.00
20.00

180
215
200
159
0.08
0.13
#REF!
0.18
#REF!
0.13
11
11
10
0.01
0.00
0.01
0.01
#REF!
0.01
0.01
0.00
0.00
0.00
0.00
0.00
#REF!
0.01
0.00
(16.67)
0.00
Auditors' fee
0.00
0.00
0.00
0.00
#REF!
0.00
(1.00)
0.00
401
338
237
169
0.18
0.18
0.18
0.16
#REF!
0.19
0.20
69.20
25.08
40.24
CEO salary and fees
945
744
561
543
0.44
0.40
0.41
0.38
#REF!
0.62
0.62
68.45
16.50
3.31
5,274
4,414
3,323
3,120
2.43
2.35
2.34
2.22
#REF!
3.56
2.91
58.71
18.74
6.51
7,123
5,764
5,972
4,734
3.28
3.06
3.11
4.00
#REF!
5.41
5.81
19.27
1.11
26.15
1,083
1,552
788
832
0.50
0.82
0.59
0.53
#REF!
0.95
0.19
0.01
#REF!
0.05
0.06
0.07
0.01
#REF!
0.15
(1.00)
3.35
0.00
0.00
#REF!
0.23
0.03
250.00
100.00
(98.98)
149
Other provisions
352
7
119
71
10
0.07
197
0.00
0.59
#REF!
37.44
#DIV/0!
63.93
(5.29)
-46.76
(100.00)
-
1,239
2,023
800
1,100
0.57
1.08
0.72
0.54
#REF!
1.26
0.88
54.88
26.11
(27.27)
5,884
3,741
5,172
3,634
2.71
1.99
1.91
3.46
#REF!
4.15
5.16
13.77
-7.82
42.32
2,812
2,153
2,227
1,288
1.30
1.14
1.03
1.49
#REF!
1.72
#REF!
0.19
162
2,812
2,153
2,227
1,450
1.30
1.14
1.03
3,072
1,588
2,945
2,184
1.42
0.84
1.42
7,304
5,792
5,775
4,589
#REF!
0.01
1.49
#REF!
1.66
1.77
1.97
#REF!
2.50
3.08 ROA
31.09 ROE
0.59
72.90
-95.24
(100.00)
26.27
7.42
53.59
4.31
-14.65
34.84
26.48
13.65
25.84
(57.58)
35.86
41.77
7.18
26.27
-
Memo Items
Efficiency ratio

24,674
22,641
16,607
10,406
#REF!
#REF!
24.77
#REF!
40.12
#REF!
#REF!
3.87
#REF!
5.24
5.77
2.69
2.73
3.09
3.09
2.78
3.55
107.28
107.28
108.17
108.17
109.91
(as % of
interest
106.98 income
(181)
(28)
197
145
#REF!
#REF!
0.13
#REF!
0.17
(0.08)
(191.88)
4,329
3,670
2,762
2,577
#REF!
#REF!
1.85
#REF!
2.94
2.47
56.73
Median
%Change,
10 to 11
24.00
33.98
29.96
45.76
3.56
46.33
75.26
47.48
16.67
48.02
18.46
-7.79
16.33
63.59
14.09
0.00
19.71
45,163
87,520
0.00
-25.81
110.40
0.00
1.56
13.30
15.64
26.94
0.00
0.00
21.37
31.25
20.71
13.19
19.71
3,069
5,443
Median
%Change,
10 to 11
35.26
61.66
(5.43)
(11.72)
19.18
18.58
2.75
3.22
15.91
22.22
(20.00)
13.95
25.79
10.00
36.69
5.09
15.84
(5.73)
(5.29)
(100.00)
(51.85)
(98.98)
22.41
(11.72)
10.95
40.00
11.15
(23.28)
(5.67)
(4.74)
20.08
Median Bank
Median %
TA, 2012
Median %
TA, 2011
Median %
TA, 2010
Median %Change, Median %Change,

11 to 12
10 to 11
ASSETS
Cash in hand
1.07
0.73
0.63
36.38
24.00
5.40
6.02
5.38
17.33
33.98
Total Cash
6.75
6.75
6.21
19.86
29.96
1.23
1.90
1.49
8.35
45.76
0.41
0.57
0.71
51.65
3.56
1.59
2.21
2.30
18.32
46.33
0.48
0.44
0.39
75.26
13.76
10.53
9.84
29.14
47.48
1.96
1.82
2.03
17.07
16.67
Total investments
15.72
14.09
12.75
26.88
48.02
63.74
65.27
65.85
18.09
18.46
2.55
2.93
4.22
9.22
(7.79)
65.68
68.39
71.83
18.34
16.33
2.63
1.99
1.51
9.76
63.59
Other assets
3.45
3.62
4.44
3.27
14.09
(1.00)
Other securities

Non-banking assets
Total assets
100.00
100.00
100.00
20.15
19.71
1.50
1.73
0.20
0.48
1.69
0.29
0.54
(25.81)
2.01
0.74
110.40
9.74
9.68
10.83
15.85
1.56
Bills payable
0.87
0.98
1.02
15.15
13.30
Subordinated debt
8.22
8.77
9.91
24.12
15.64
Fixed deposits
62.36
62.79
61.72
18.91
26.94
(1.00)
Other deposits
81.69
80.54
81.65
20.56
21.37
Other liabilities
6.18
5.19
4.98
24.28
31.25
Total liabilities
91.03
90.55
90.66
22.67
20.71
9.06
9.57
10.45
8.61
13.19
100.00
100.00
100.00
20.15
19.71
Total capital
Median %Change, Median

Median
Median
Median
11
to 12
%Change, 10 to 11
%ATA 2012 %ATA 2011 %ATA 2010
Interest income
9.40
#REF!
9.73
31.19
35.26
Interest expense
7.42
#REF!
6.20
29.87
61.66
1.98
#REF!
3.58
32.36
(5.43)
Investment income
1.49
#REF!
3.06
2.76
(11.72)
1.13
#REF!
2.21
19.18
0.35
#REF!
0.35
0.79
18.58
3.13
#REF!
5.01
(0.69)
2.75
5.36
#REF!
8.97
8.92
3.22
1.22
#REF!
1.67
29.88
15.91
0.24
#REF!
0.29
26.74
22.22
Legal expenses
0.01
#REF!
0.01
81.25
(20.00)
0.06
#REF!
0.08
13.19
13.95
0.09
#REF!
0.13
14.49
25.79
CEO salary and fees
0.01
#REF!
0.01
10.00
0.00
#REF!
0.00
Auditors' fee
0.00
#REF!
0.00
0.18
#REF!
0.20
25.08
36.69
0.41
#REF!
0.62
16.50
5.09
2.34
#REF!
2.91
18.74
15.84
3.11
#REF!
5.81
1.11
(5.73)
0.59
#REF!
0.59
63.93
(5.29)
0.01
#REF!
0.07
#REF!
#REF!
#REF!
0.15
(46.76)
(100.00)
3.35
(51.85)
Other provisions
0.00
#REF!
0.03
100.00
(98.98)
0.72
#REF!
0.88
26.11
22.41
1.91
#REF!
5.16
(7.82)
(11.72)
1.03
#REF!
0.59
10.95
#REF!
0.01
(95.24)
40.00
1.03
#REF!
1.77
7.42
11.15
1.42
#REF!
3.08
(14.65)
(23.28)
#REF!
#REF!
31.09
#REF!
#REF!
5.77
13.65
(5.67)

Efficiency ratio
#REF!
2.73
3.09
3.55
107.28
108.17
106.98
#REF!
#REF!
(0.08)
(57.58)
(4.74)
#REF!
#REF!
2.47
41.77
20.08

Comparison of Five Commercial Banks - BD

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Comparison of Five Commercial Banks - BD

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AB Bank

Balance Sheet (Unconsolidated)

Amounts in BDT millions

Balance with other banks and financial institutions inside Bangladesh

Balance with other banks and financial institutions outside Bangladesh

Total balance with other banks and financial institutions

LIABILITIES AND CAPITAL

Borrowings from other banks, financial institutions, and agents

Borrowings from Bangladesh Bank

Total borrowings from other banks, financial institutions, and agents

Savings and special notice deposits

Bearer certificates of deposit

Current accounts and other accounts

Profit and Loss Account (Unconsolidated)

Subtotal: Net interest income

Commission, exchange, and brokerage income

Subtotal: Non-interest income

Subtotal: Total operating income

Salaries and allowances

Other operating (non-interest) income

Postage, stamps, telecommunication, etc.

Stationery, printing, advertisement, etc.

Directors' fees and expenses

Rent, taxes, insurance, electricity, etc. (occupancy expense)

CEO salary and fees

Other (non-interest) expense

Subtotal: Total operating expenses (general/administrative expense)

Subtotal: Profit/(loss) before provisions

Provision for loans and advances

Provision for diminution in value of investments

Provision for off-balance-sheet items

Subtotal: Total provision

Profit/(loss) before taxes

Provision for current tax expense

Depreciation on and repairs to bank's assets

Subtotal: Total provision for tax

Total profit/(loss) after taxes

Provision for deferred tax expense/(deferred tax income)

Cash inflow from interest receipts

Balance Sheet (Unconsolidated)

Amounts in BDT millions

Balance with Bangladesh Bank and agents

Total balance with other banks and financial institutions

Money at call and short notice

Balance with other banks and financial institutions inside Bangladesh

Fixed assets including premises, furniture, and fixtures

Bills purchased and discounted

Borrowings from other banks, financial institutions, and agents

Borrowings from Bangladesh Bank

Total borrowings from other banks, financial institutions, and agents

Current accounts and other accounts

Bearer certificates of deposit

Total deposits (includes deposits from other banks)

Profit and Loss Account (Unconsolidated)

Subtotal: Net interest income

Commission, exchange, and brokerage income

Subtotal: Non-interest income

Subtotal: Total operating income

Salaries and allowances

Other operating (non-interest) income

Rent, taxes, insurance, electricity, etc. (occupancy expense)

CEO salary and fees

Directors' fees and expenses

Stationery, printing, advertisement, etc.