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Performance At A Glance
Key Financial Data & Key Ratios - PBL
Particulars 2009  2010  2011  2012  2013 
 Interest income 10,856   12,147 
16,709 
22,822  22,011 
 Interest expenses 8,426   7,824 
12,648 
17,410  17,678 
 Net interest income 2,430   4,323 
4,061 
5,411  4,332 
 Investment income 3,372   2,632 
4,157 
4,633  5,583 
 Commission, exchange and brokerage 1,749   2,262 
2,689 
2,429  2,155 
 Other Operating Income 644   579 
652 
1,018  813 
 Operating Income 8,196   9,795 
11,559 
13,492  12,883 
 Operating expenses 2,907   3,618 
4,132 
4,941  5,409 
 Earning before interest, depreciation and tax 13,175   13,643 
19,666 
23,024  21,422 
 Profit before provision and tax 5,289   6,177 
7,427 
8,551  7,474 
 Provision for loans and assets 700   540 
661 
3,216  4,029 
 Profit after provision before tax 4,029   5,637 
6,766 
5,335  3,445 
 Tax including deferred tax 1,805   2,535 
3,132 
2,636  1,616 
 Profit after tax 2,784   3,102 
3,634 
2,699  1,829 
 Balance Sheet
 Authorized capital 10,000 
10,000 
10,000  25,000  25,000 
 Paid-up capital  3,555 
5,776 
7,798  9,358  10,293 
 Total shareholders' equity  11,745 
16,908 
19,095  20,787  23,030 
 Deposits  106,956 
124,574 
159,816  182,053  201,907 
 Long-term liabilities  38,209 
47,918 
63,379  84,827  91,424 
 Loans and advances  89,252 
116,057 
138,848  160,890  153,589 
 Investments  19,934 
20,484 
39,172  49,670  56,940 
 Property, Plant and Equipment  1,573 
1,695 
3,975  4,363  6,407 
 Earning assets  109,905 
137,577 
179,537  212,204  211,399 
 Net current assets  3,435 
7,349 
2,262  2,735  15,023 
 Total assets  124,806 
154,342 
199,950  236,833  243,869 
 Total liabilities  113,061 
137,434 
180,856  216,046  220,839 
 Current ratio  1.05 
1.09 
1.02  1.02  1.12 
 Gearing ratio  80.56 
76.98 
77.88  80.97  80.67 
 Quick ratio  1.05 
1.09 
1.01  1.01  1.12 
 Cash Reserve Ratio 6.04 
6.70 
6.22  6.06  6.97 
 Staturory liquidity Ratio  28.50 
26.00 
32.96  34.02  38.39 
 Equity debt ratio (%)  10.39 
12.30 
10.56  9.62  10.43 
     
 
   
 Other Business  
 Import  96,452 
147,704 
174,384  168,532  133,219 
 Export  76,097  
106,943 
133,396  143,612  127,091 
 Remittance  26,447 
28,433  
36,890  42,443  32,628 
 Guarantee Business  13,673 
29,000 
27,844  29,391  31,170 
     
 
   
 Capital Measures (Consolidated) 
 Total risk weighted assets  82,710 
183,747 
194,380  205,103  222,791 
 Core capital (Tier-I)  9,057 
15,791 
18,744  20,664  21,708 
 Supplementary capital (Tier-II)  3,112 
5,692 
5,485  5,252   5,104 
 Total capital  12,168 
21,483 
24,229  25,916  26,812 
 Tier-I capital ratio  10.95 
8.60 
9.64  10.08  9.74 
 Tier-II capital ratio  3.76 
3.09 
2.82  2.56  2.29 
 Total capital ratio  14.71 
11.69 
12.46  12.64  12.03 
     
 
   
 Credit Quality  
 Non-performing loans (NPLs)  1,149 
1,368 
1,908  6,168  7,815 
 NPLs to total loans and advances (%)  1.29 
1.18 
1.37  3.83  5.09 
 Provision for unclassified loans  1,303 
1,463 
1,725  2,025  1,691 
 Provision for classified loans  631 
642 
778  1,949  3,733 
     
 
   
Share Information 
 Market price per share (Taka)  65.30 
94.45 
44.50  37.00  25.90 
 No. of shares outstanding (Million)  355.47 
577.64 
779.81  935.77  1029.35 
 No. of shareholders (actual)  10,339 
19,748 
26,030  23,964  25,632 
 Earnings per share (Taka)  7.83 
5.69 
4.70  2.88  1.78 
 Dividend:  40% 
40% 
30%  20%  12.50% 
   Cash  10% 
5% 
10%  10%  12.50% 
   Bonus  30% 
35% 
20%  10% 
 Effective dividend ratio (%)  44.44 
49.52 
40.21  21.82  13.10 
 Dividend cover ratio (times)  1.96  
1.42 
1.57  1.44  1.42 
 Dividend yield (%)  6.13 
4.23 
6.74  5.41  4.83 
 Market capitalization  23,212 
54,572 
34,702  34,624  26,660 
 Net asset value per share (Taka)  33.04 
29.27 
24.49  22.21  22.37 
 Price earning ratio (times)  8.34 
16.60 
9.47  12.85  14.57 
     
 
   
 Operating Performance Ratio (%) 
 Net Interest Margin (NIM)  2.95 
4.21 
3.19  3.61  2.75 
 Net non-interest margin on average earning assets  2.72 
1.50 
2.12  1.60  1.48 
 Earning base in assets (average)  89.34 
88.66 
89.51  89.69  88.12 
 Gross profit ratio  49.31  
55.60 
47.75  43.66  42.15 
 Net interest income as a percentage of working funds  2.07 
3.10 
2.29  2.48  1.80 
 Profit per employee  2.87 
2.89 
3.24  3.36  2.76 
 Operating profit as a percentage of working funds  4.50 
4.43 
4.19  3.92  3.11 
 Cost-income ratio  35.47 
36.94 
35.75  36.62  41.98 
 Credit-deposit ratio  83.45 
93.16 
86.88  88.38  76.07 
 Cost of funds on average deposits  8.41 
6.39 
8.15  8.75  8.80 
 Yield on average advance  13.16 
11.76 
13.09  15.17  13.85 
 Return on average assets  2.37 
2.22  
2.05  1.24  0.76 
 Return on average equity  30.19 
21.65 
20.19  13.53  8.35 
 Return on Capital Employed 10.59 
9.53 
9.01  8.10  6.53 
     
 
   
 Other information  
 No. of branches  84 
94 
102  113  117 
 No. of SME branches/centers 
14 
17  17  17 
 Number of ATM  39 
43 
81  134  151 
 No. of employees  1,844 
2,139 
2,292  2,544  2,710 
 No. of foreign correspondents  602 
621 
644  660  661 
 Average earning assets  105,083 
123,741 
158,557  195,871  211,802 
 Average total assets  117,622 
139,574 
177,146  218,392  240,351 
 Average deposits  97,488 
115,765 
142,195  170,934  191,980 
 Average loans & advances  82,204 
102,654 
127,452  149,869  157,239 
 Average equity  9,221 
14,327 
18,002  19,941  21,908 
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