Prime Bank Limited
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Performance At A Glance
Key Financial Data & Key Ratios - PBL
Particulars 2010  2011  2012  2013  2014 
 Operating Performance (Income Statement)
 Interest income 12,147 
16,709 
22,822  22,011  18,446  
 Interest expenses 7,824 
12,648 
17,410  17,678  15,574  
 Net interest income 4,323 
4,061 
5,411  4,332  2,872  
 Investment income 2,632 
4,157 
4,633  5,583  6,194  
 Commission, exchange and brokerage 2,262 
2,689 
2,429  2,155  2,033  
 Other Operating Income 579 
652 
1,018  813  806  
 Operating Income 9,795 
11,559 
13,492  12,883  11,906  
 Operating expenses 3,618 
4,132 
4,941  5,409  5,750  
 Earning before interest, depreciation and tax 13,643 
19,666 
23,024  21,422  19,187  
 Profit before provision and tax 6,177 
7,427 
8,551  7,474  6,157  
 Provision for loans and assets 540 
661 
3,216  4,029  2,877  
 Profit after provision before tax 5,637 
6,766 
5,335  3,445  3,280  
 Tax including deferred tax 2,535 
3,132 
2,636  1,616  887  
 Profit after tax 3,102 
3,634 
2,699  1,829  2,393  
 
 Balance Sheet (Financial Position)
 Authorized capital
10,000 
10,000  25,000  25,000  25,000  
 Paid-up capital 
5,776 
7,798  9,358  10,293  10,293  
 Total shareholders' equity 
16,908 
19,095  20,787  23,030  24,461  
 Deposits 
124,574 
159,816  182,053  201,907  204,838  
 Long-term liabilities 
47,918 
63,379  84,827  91,424  104,040  
 Loans and advances 
116,057 
138,848  160,890  153,589  147,367  
 Investments 
20,484 
39,172  49,670  56,940  72,642  
 Property, Plant and Equipment 
1,695 
3,975  4,363  6,407  6,613  
 Earning assets 
137,577 
179,537  212,204  211,399  221,521  
 Net current assets 
7,349 
2,262  2,735  15,023  21,064  
 Total assets 
154,342 
199,950  236,833  243,869  254,912  
 Total liabilities 
137,434 
180,856  216,046  220,839  230,451  
 Current ratio 
1.09 
1.02  1.02  1.12  1.17  
 Gearing ratio 
76.98 
77.88  80.97  80.67  81.42  
 Quick ratio 
1.09 
1.01  1.01  1.12  1.17  
 Cash Reserve Ratio
6.70 
6.22  6.06  6.97  6.71  
 Staturory liquidity Ratio 
26.00 
32.96  34.02  38.39  29.83  
 Equity debt ratio (%) 
12.30 
10.56  9.62  10.43  10.61 
   
 
     
 Other Business  
 Import 
147,704 
174,384  168,532  133,219  126,571  
 Export 
106,943 
133,396  143,612  127,091  110,096  
 Remittance 
28,433  
36,890  42,443  32,628  39,484  
 Guarantee Business 
29,000 
27,844  29,391  31,170  30,155  
   
 
     
 Capital Measures (Consolidated) 
 Total risk weighted assets 
183,747 
194,380  205,103  222,791  216,324  
 Core capital (Tier-I) 
15,791 
18,744  20,664  21,708  22,611  
 Supplementary capital (Tier-II) 
5,692 
5,485  5,252   5,104  4,812  
 Total capital 
21,483 
24,229  25,916  26,812  27,424 
 Tier-I capital ratio 
8.60 
9.64  10.08  9.74  10.45 
 Tier-II capital ratio 
3.09 
2.82  2.56  2.29  2.23 
 Total capital ratio 
11.69 
12.46  12.64  12.03  12.68 
   
 
     
 Credit Quality  
 Non-performing loans (NPLs) 
1,368 
1,908  6,168  7,815  11,215  
 NPLs to total loans and advances (%) 
1.18 
1.37  3.83  5.09  7.61  
 Provision for unclassified loans 
1,463 
1,725  2,025  1,691  1,741  
 Provision for classified loans 
642 
778  1,949  3,733  4,586  
   
 
     
Share Information 
 Market price per share (Taka) 
94.45 
44.50  37.00  25.90  19.60 
 No. of shares outstanding (Million) 
577.64 
779.81  935.77  1029.35  1029.35 
 No. of shareholders (actual) 
19,748 
26,030  23,964  25,632  23,102 
 Earnings per share (Taka) 
5.69 
4.70  2.88  1.78  2.32 
 Dividend: 
40% 
30%  20%  12.50%  15.00% 
   Cash 
5% 
10%  10%  12.50%  15.00% 
   Bonus 
35% 
20%  10% 
 Effective dividend ratio (%) 
49.52 
40.21  21.82  13.10  15.00  
 Dividend cover ratio (times) 
1.42 
1.57  1.44  1.42  1.55  
 Dividend yield (%) 
4.23 
6.74  5.41  4.83  7.65 
 Market capitalization 
54,572 
34,702  34,624  26,660  20,175 
 Net asset value per share (Taka) 
29.27 
24.49  22.21  22.37  23.76  
 Price earning ratio (times) 
16.60 
9.47  12.85  14.57  8.43  
   
 
     
 Operating Performance Ratio (%) 
 Net Interest Margin (NIM) 
4.21 
3.19  3.61  2.75  1.91  
 Net non-interest margin on average earning assets 
1.50 
2.12  1.60  1.48  1.52  
 Earning base in assets (average) 
88.66 
89.51  89.69  88.12  86.80  
 Gross profit ratio 
55.60 
47.75  43.66  42.15  43.33  
 Net interest income as a percentage of working funds 
3.10 
2.29  2.48  1.80  1.15  
 Profit per employee 
2.89 
3.24  3.36  2.76  2.15 
 Operating profit as a percentage of working funds 
4.43 
4.19  3.92  3.11  2.47  
 Cost-income ratio 
36.94 
35.75  36.62  41.98  48.29 
 Credit-deposit ratio 
93.16 
86.88  88.38  76.07  71.94 
 Cost of funds on average deposits 
6.39 
8.15  8.75  8.80  7.36  
 Yield on average advance 
11.76 
13.09  15.17  13.85  12.09  
 Return on average assets 
2.22  
2.05  1.24  0.76  0.96  
 Return on average equity 
21.65 
20.19  13.53  8.35  10.08 
 Return on Capital Employed
9.53 
9.01  8.10  6.53  4.79 
   
 
     
 Other information  
 No. of branches 
94 
102  113  117  122 
 No. of SME branches/centers 
14 
17  17  17  18 
 Number of ATM 
43 
81  134  151  160 
 No. of employees 
2,139 
2,292  2,544  2,710  2,867 
 No. of foreign correspondents 
621 
644  660  661  638 
 Average earning assets 
123,741 
158,557  195,871  211,802  216,460  
 Average total assets 
139,574 
177,146  218,392  240,351  249,391  
 Average deposits 
115,765 
142,195  170,934  191,980  203,372  
 Average loans & advances 
102,654 
127,452  149,869  157,239  150,478  
 Average equity 
14,327 
18,002  19,941  21,908  23,745  
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Prime Bank Investment Limited
Prime Bank Securities Limited
Prime Exchange Co. Pte Ltd.
PBL Exchange (UK) Limited
PBL Finance (Hong Kong) Limited
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