Balance sheet

in USD
PROPERTY AND ASSETS
Cash:
In hand
Balance with Bangladesh Bank and its agent bank
Balance with other Bank and financial institutions:
In Bangladesh
Outside Bangladesh
TOTAL CASH
Money at call and on short notice
Investments:
Government securities
Other investments:
TOTAL CURRENT ASSETS

Loans and advances:

Loans, cash credits, overdrafts etc.
Bills purchased and discounted
Fixed assets including premises, furniture and fixtures
Other assets
Non-banking assets
Goodwill
Total Non-current Assets
Total assets
LIABILITIES AND CAPITAL
Liabilities:
Borrowing from other banks, financial institutions and agents
Money at call and on short notice
Current deposits and other accounts
Bills payable
TOTAL CURRENT LIABILITIES
Borrowing from central bank
convertible subordinate bonds
Savings bank deposits
Fixed deposits
Other deposits
Other liabilities
TOTAL NON-CURRENT LIABILITIES
TOTAL LIABILITIES
Capital/shareholders' equity:
Paid up capital

Redeemable preference share capital

Share premium
Statutory reserve
Revaluation reserve
Share Money deposit
Exchange equalisation reserve
Retained earnings
Minority Interest
TOTAL SHAREHOLDERS' EQUITY
Total liability and shareholders' equity

2011

2010

2009

3,648,779,467
8,330,437,102

3,578,604,502
6,274,441,763

1637296747
4981785516

3,138,856,331
608,009,856
15,726,082,756
480,000,000

3,036,616,263
850,638,516
13,740,301,044
0

5427024479
222079663
12,268,186,405
1300000000

10,291,953,253
4,383,030,537
30,881,066,546

9,667,938,634
3,457,557,172
26,865,796,850

10257680797
125631110
23,951,498,312

97,083,550,903
394,813,615
2,599,931,447
8,553,122,866

64,084,358,403.00
66,476,756.00
1,666,593,932.00
4,534,525,587.00

1,409,637,597
110,041,056,428
140,922,122,974

86,329,829,222
244,084,374
1,854,245,194
7,195,307,035
0
311,888,514
95,935,354,339
122,801,151,189

5,270,180,188
0
32,369,590,116
768,394,517
38,408,164,821
1,533,371,184
3,000,000,000
18,421,267,314
51,763,212,319
326,261,506
16,538,199,960
91,582,312,283
130,440,477,104

4,973,920,255
550,000,000
30,290,472,653
1,021,461,002
36,835,853,910
1,828,605,004
3,000,000,000
21,093,422,226
35,488,954,124
260,557,678
13,742,438,421
75,413,977,453
112,249,831,363

2,450,000,000.00
0
24,549,612,758
453,829,731.00
27,453,442,489
0
0
12,973,969,209.00
36,037,073,117.00
441,193,045.00
8,878,422,500.00
58,330,657,871
85,784,100,360

3,212,352,000

2,676,960,000

311,888,515.00
70,663,843,193
94,615,341,505

2,059,200,000.00

350,000,000
1,553,052,103
2,536,431,462
163,089,754
62,333,542
0
2,282,951,075
321435935
10,160,209,936
140,922,122,975

500,000,000
1,553,052,103
1,920,598,872
1,220,932,131
24,851,502
0
1,956,125,243
698,799,975
10,551,319,826
123,499,951,164

500,000,000.00
1,553,052,103.00
1,337,479,877.00
1,576,498,469.00
45,000
1,331,987,555.00
472,978,141
8,358,263,004
94,615,341,505

2008

2007

908,567,282
3,407,320,718

511,730,011
2,602,841,460

2,925,484,028
269,487,085
7,510,859,113
0

2,894,113,161
170,449,420
6,179,134,052
100,000,000

7,880,195,243
365,178,030
15,756,232,386

4,893,785,452
103,071,265
11,275,990,769

52,665,236,558
11,480,182
1,472,024,279
2,536,919,986

32,446,123,378
14,978,802
942,929,286
1,702,573,183

56,685,661,005
72,441,893,391

35,106,604,649
46,382,595,418

2,280,000,000

2,240,000,000

7,652,002,774
424,455,762
10,356,458,536

5,543,600,799
409,015,536
8,192,616,335

4,627,686,658
43,399,790,445
1,902,951,371
6,717,480,730
56,647,909,204
67,004,367,740

3,985,564,159
27,307,976,283
122,250,997
3,702,158,970
35,117,950,409
43,310,566,744

1,584,000,000

1,200,000,000

500,000,000
1,406,000,000
908,762,089
118,846,147

500,000,000
350,000,000
504,071,923
0

45,000
919,872,415

45,000
517,911,751

5,437,525,651
72,441,893,391

3,072,028,674
46,382,595,418

Income Statements
Interest Income
interest paid on deposits, borrowings etc
Net interest income
Income form investment
Commission, exchange and brokerage
Other operating income
Total operating income (Gross Profit/ Income)
Salaries and allowances
Rent, taxes, insurance, electricity etc
Legal expenses
Postage, stamps, telecommunication, etc.
Stationery, printing and advertisement etc.
Managing Director & CEO's salary and fees
Director's fees and expenses
Auditors fess
Depreciation on and repairs to bank's assets
Other expenses
Operating expenses
Profit before provisions (Operating Income)
Provision for Items (non Operating expense)
Loans and advances
Diminution in value of investments
Off balance sheet items
Others
Total Provisions/non Operating expense
Profit before tax (EBIT / EBT)
Provision for tax:
Current
Deffered
TOTAL
Profit after tax (EAT)
Appropriations:
statutory reserve
Ganeral reserve
Proposed dividend
Retained Earnings
Transfer to Minority interest
Net Retained Earnings
Basic earnings per share

2011
14,283,148,334
8,645,101,681
5,638,046,653
1,640,318,565
3,151,441,516
365,980,102
10,795,786,836
2,501,563,705
629,938,192
31,055,680
208,114,022
349,075,279
11,146,417
3,796,156
2,046,680
838,480,869
1,021,787,620
5,597,004,619
5,198,782,215
1,536,497,958
444,213,413
4,000,000
0
1,984,711,371
3,214,070,845
1,575,650,322
-174,023,667
1,401,626,655
1,812,444,190
615,832,590
0
0
1,196,611,600
0
1,196,611,600

2010
11,028,458,556
5,886,828,346
5,141,630,210
2,259,257,261
2,771,273,888
227,314,643
10,399,476,002
2,114,272,749
553,962,234
37,854,350
184,457,390
327,490,915
7,687,500
2,953,907
943,150
607,276,877
1,043,484,084
4,880,383,156
5,519,092,846

2009
9,202,348,192
6,073,232,757
3,129,115,435
1,923,835,228
2,266,540,614
85,135,526
7,404,626,803
1,761,345,481
327,230,744
17,637,440
169,451,904
278,597,145
8,296,400
1,277,400
877,925
452,730,307
586,124,784
3,603,569,530
3,801,057,273

2008
8,021,101,674
4,865,091,805
3,156,009,869
909,126,833
1,951,193,720
19,853,415
6,036,183,837
1,422,467,134
201,185,595
6,659,649
153,973,003
212,445,802
21,606,094
729,715
753,125
320,428,159
522,029,311
2,862,277,587
3,173,906,250

2007
4,633,346,578
2,571,236,238
2,062,110,340
693,142,387
771,783,604
16,113,551
3,543,149,882
789,774,456
109,452,384
4,753,874
99,026,740
134,980,937
8,332,800
399,144
622,500
178,180,999
272,133,522
1,597,657,356
1,945,492,526

1,827,695,989
56,741,049
168,593,000
0
2,053,030,038
3,466,062,808

1,537,000,000
37,000,000
1,574,000,000
2,227,057,273

1,138,548,420
0
11,907,000
0
1,150,455,420
2,023,450,830

668,649,664
0
12,500,000
7,225
681,156,889
1,264,335,637

1,558,995,482
165,991,757 1,393,003,725
2,073,059,083

1,153,692,401
300,000,000
853,692,401
1,373,364,872

1,220,000,000
170,000,000
1,050,000,000
973,450,830

766,000,000
120,000,000
646,000,000
618,335,637

404,690,166
0
0
568,760,664

252,867,127
0
0
365,468,510

62.30

42.30

583,118,995
0
0
1,489,940,088

68.17

428,717,788
0
0
944,647,084
34,190,208
910,456,876
64.37

#DIV/0!

5,157,740,183 5,257,845,792 4,275,511,368 2,880,173,968

###

8,021,101,674
7,581,715,990 6,933,413,194 5,177,569,530 4,012,733,007

1,481,039,542

2,278,814,245

Ratio Analysis
2011
Current ratio
Cash ratio
Cash flow from operations ratio
Return on investment (ROI) or return on assets (ROA)
Return on equity (ROE)

Debt ratio
Debt-equity Ratio
Interest coverage ratio or TIE
Basic earnings per share (BEPS)
Dividend per share (DPS)
Dividend payout ratio
Retention ratio
Book value per share
Market to book value ratio
Price earning ratio
Asset utilization ratio
Equity multiplier
Dividend yield
Capital expenditure ratio
Cash flow from operation to debt ratio
Return on total capital
Return on common equity
Financial leverage ratio
Net interest income
Net noninterest income
Net interest margin
Net non-interest margin
Operating risk ratio
Operating efficiency ratio
Provision for loan loss
Equity to asset ratio
Net profit margin

Additional:
Gross profit margin
Operating profit margin
Return on sales or net profit margin
Operating expense ratio

2010

Fixed asset turnover

2009

2008
1.5213919248
1.4861310266
0.3591855746
0.0134376779

0.9249394874
12.3225842121
0.6523836296
58.5006837121
0
0
1
343.278134533
2.4120382766
14.1536807343
0.0438131322
13.3225842121
0
4.8601002293
0.0555171347
0.0279320533
0.1704177395
3.2604689956
3,156,009,869
-1,132,559,039
0.0435660875
-0.0156340342
25996344931.7
1.9831136727
0.0108221287
0.0750605126
0.0134376779

0.2911499859
0.089296965
0.3680975639

2007

7.4056357613

TOTAL CURRENT ASSETS

TOTAL CURRENT LIABILITIES
Government securities
TOTAL CASH
Profit after tax (EAT)
Total assets
Net income available for shareholders
common equity
Number of shareholders outstanding
TOTAL LIABILITIES
Total operating income
Interest expense
Preference dividend
Market price per share as on 31st Dec, 2008
Amount of common dividend declared
EBIT
Interest Income or revenue
Interest Expenses
Non-interest income
Non-interest expense
Amount of loan loss
Fixed assets including premises, furniture and fixtures

2011
30,881,066,546
38,408,164,821
10,291,953,253
15,726,082,756
1,812,444,190
140,922,122,974
10,160,209,936
130,440,477,104
5,198,782,215
8,645,101,681

3,214,070,845
14,283,148,334
8,645,101,681
5,157,740,183
7,581,715,990

2,599,931,447

2010
26,865,796,850
36,835,853,910
9,667,938,634
13,740,301,044

2009
23,951,498,312
27,453,442,489
10,257,680,797
12,268,186,405

2,073,059,083
122,801,151,189

1,373,364,872
94,615,341,505

10,551,319,826

8,358,263,004

112,249,831,363
5,519,092,846
5,886,828,346

85,784,100,360
3,801,057,273
6,073,232,757

3,466,062,808
11,028,458,556
5,886,828,346
5,257,845,792
6,933,413,194

2,227,057,273
9,202,348,192
6,073,232,757
4,275,511,368
5,177,569,530

1,854,245,194

1,666,593,932

2008
15,756,232,386
10,356,458,536
7,880,195,243
7,510,859,113
3,719,890,510
973,450,830
72,441,893,391
926,650,830
5,437,525,651
15,840,000
67,004,367,740
3,173,906,250
4,865,091,805
46,800,000
828
0
765,393,785
2,023,450,830
8,021,101,674
4,865,091,805
2,880,173,968
4,012,733,007
783,975,496
10,901,275,642
1,472,024,279

2007
11,275,990,769
8,192,616,335
4,893,785,452
6,179,134,052
618,335,637
46,382,595,418
3,072,028,674
43,310,566,744
1,945,492,526
2,571,236,238

1,264,335,637
4,633,346,578
2,571,236,238
1,481,039,542
2,278,814,245

942,929,286