Five Years Performance at a Glance

BDT in Million (where applicable)

Balance Sheet
Authorised capital
Paid up capital
Statutory reserve
Other reserve (including general & assets revaluation reserve)
Retained earnings
Shareholders' equity
Deposits

2009
5,000.00
2,284.90
1,893.82
735.35
1,120.37
6,034.44
53,900.15

Fixed assets
Total assets (excluding contra items)
Total assets (including contra items)

849.1
65,937.49
124,278.93

2010
10,000.00
4,501.25
2,543.46
483.88
1,828.57
9,357.10
67,961.24
26.09%
63,230.14
25.49%
10,980.81
13.54%
1,191.49
77,130.29
125,841.50

Loans and advances

50,387.68

Capital
Total risk weighted assets (RWA)
Tier-I capital
Tier-II capital
Total capital
Tier-I capital adequacy ratio
Tier-II capital adequacy ratio
Total capital adequacy ratio

2009
46,652.00
5,366.25
956.16
6,322.41
11.50%
2.05%
13.55%

2010
91,929.60
8,880.39
1,153.60
10,033.99
9.66%
1.25%
10.91%

2011
104,975.90
10,701.50
1,123.75
11,825.25
10.19%
1.07%
11.26%

2012
111,451.00
11,666.09
1,111.78
12,777.87
10.47%
1.00%
11.47%

2013
117,820.23
12,810.68
1,167.96
13,978.64
10.87%
0.99%
11.86%

2014
112,672.05
13,865.10
1,312.56
15,177.70
12.31%
1.16%
13.47%

2009
1,420.57

2010
1,425.28
0.33%
2.27%
742.8
740.31
174.93
1.09%
265.45

2011
1,938.30
35.99%
2.68%
780.01
795.15
201.37
1.60%
321.36

2012
4,369.02
125.40%
5.51%
1,705.14
620.74
256.17
3.59%
613.31

2013
4,862.41
11.29%
5.56%
2,663.39
667.96
274.62
2.53%
979.43

2014
6,735.52
38.52%
7.49%
2,705.15
721.24
345.22
4.48%
1,488.80

Investments

Asset Quality
Amount of non-performing loans & advances
Nonperforming loans & advances as % of total loans & advances
Specific provision against classified loans and advances
General provision against un-classified loans and advances
General provision against off-balance sheet items
Percentage (%) of net classified loan
Interest suspense balance

9,671.53

2.84%
720.22
509.67
111.93
1.44%
230.37

2011
10,000.00
5,941.65
3,269.49
514.61
1,605.18
11,330.95
81,127.17
19.37%
72,733.54
15.03%
20,840.29
89.79%
1,506.77
83,554.18
149,973.98

2012
10,000.00
6,951.74
3,818.04
479.89
886.15
12,135.82
96,918.22
19.46%
79,948.22
9.92%
30,851.74
48.04%
1,743.59
101,046.73
124,027.92

2013
10,000.00
7,646.91
4,283.43
460.92
869.98
13,261.45
98,229.44
1.35%
88,146.51
10.25%
19,908.32
-35.47%
1,736.64
104,141.56
150,263.72

2014
10,000.00
8,029.25
4,783.51
494.76
1,042.17
14,349.69
105,703.61
7.61%
90,920.77
3.15%
26,568.66
33.46%
2,573.25
135,159.52
168,257.57

Five Years Performance at a Glance

BDT in Million (where applicable)
Import

Foreign Exchange Business

2009
33,078.44

2010
41,245.21
24.69%

2011
55,044.49
33.46%

2012
45,283.46
-17.73%

2013
52,614.08
16.19%

Export

11,903.72

16,125.52

20,981.00

13,346.66

14,549.29

Remittance

13,392.00

35.47%
12,504.85
-6.62%

30.11%
16,079.26
28.58%

-36.39%
21,705.40
34.99%

9.01%
16,323.39
-24.80%

2010
6,970.01
7.43%
4,483.54
-9.62%
2,486.47
4.38%
1,642.02
10,157.99
8.84%
6,057.79
-2.22%
4,100.20
30.68%

2011
9,669.34
38.73%
7,284.88
62.48%
2,384.46
4.31%
2,193.71
13,923.05
37.07%
9,708.29
60.26%
4,214.76
2.79%

2012
11,668.75
20.68%
9,427.21
29.41%
2,241.54
3.89%
2,793.48
15,606.88
12.09%
11,580.06
19.28%
4,026.82
-4.46%

2013
12,193.95
4.50%
10,154.70
7.72%
2,039.25
2.93%
2,801.83
16,227.75
3.98%
12,431.40
7.35%
3,796.34
-5.72%

2014
12,019.78
-1.43%
9,339.23
-8.03%
2,680.56
2.56%
2,672.99
15,871.73
-2.19%
12,124.93
-2.47%
3,746.80
-1.30%

Financial Performance
Interest income on loans and advances

2009
6,487.77

Interest paid on deposits and borrowings

4,960.74

Net interest margin

Net interest margin (%)
Income from investments
Operating income

1,527.03
3.16%
1,071.20
9,333.03

Operating expenses

6,195.33

Operating profit

3,137.70

2014
51,308.41
-2.48%
14,354.
30
-1.34%
18,703.40
14.58%

Provision for loans & advances and other provisions made during
the year
Profit before tax
Provision for tax
Profit after tax

424

835.65

547.95

1,274.07

1,449.40

1,246.32

2,686.49
966.99
1,719.50
5.33
1,120.38

3,630.15
1,684.04
1,946.11
-17.94%
388.11
1,858.03

2,742.75
1,308.99
1,433.76
-26.33%
0.93
886.15

2,326.94
1,189.03
1,137.91
-20.63%
197.46
878.58

2,500.48
999.15
1,501.33
31.94%

Retained profit
Profit available for distribution

3,248.23
876.55
2,371.68
37.93%
46.48
1,828.51

1,042.17

Five Years Performance at a Glance

BDT in Million (where applicable)
Shareholders' Information
Earnings per share (EPS)
Price earnings (PE) ratio (times)
Dividend:
Cash (%)
Bonus (%)
Right Share
Net asset value (NAV) per share
Net operating cash flow per share
Market value of share
Market capitalisation
Number of shares
Number of shareholders
Financial Ratios
Credit deposit ratio (CDR)
Return on equity (ROE) (%)
Return on assets (ROA) (%)
Return on investment (ROI) (%)
Cost of fund (%)
Cost income ratio (%)

Number
Number
Number
Number

of
of
of
of

Other Information
branches
ATM
employees
foreign correspondents
Credit Ratings

Long term
Short term

2009

2010

2011

2012

2013

15.73
47.00%
(1R:2)
26.4
8.68
58.3
13,320,968,166.
00

5.33
-29.22%
12.91
32.00%
20.79
3.27
68.8
30,968,622,704.
00

3.28
-38.46%
8.07
10.00%
17.00%
19.5
5.48
30.4
18,062,629,224.
00

2.06
-37.20%
8.73
10.00%
17.46
2.16
18.2
12,652,158,756.
00

1.49
-27.67%
8.8
6.00%
5.00%
17.34
4.06
13.1
10,017,450,960.
00

228,490,020.00

450,125,330.00

594,165,435.00

695,173,558.00

764,690,913.00

14,483.00

79,763.00

93,173.00

90,089.00

96,213.00

7.53

2014
1.87
25.50%
5.99
10.00%
17.87
2.19
11.2
8,992.77
802,925,458.
00
88,643.00

2009
93.48%
28.49%
2.61%
11.08%
11.10%
60.95%

2010
93.04%
25.35%
2.84%
14.95%
9.31%
54.65%

2011
83.00%
18.98%
2.12%
13.99%
11.46%
61.41%

2012
77.00%
11.81%
1.14%
9.05%
12.05%
72.05%

2013
83.00%
8.58%
0.94%
14.07%
11.61%
77.00%

2014
77.41%
10.87%
1.16%
11.50%
10.81%
76.39%

2009

2010

2011

2012

2013

2014
103
67
2,277.00
396

65
1,496.00
411
2009
A1
ST-2

79
4
1,622.00
418
2010
A1
ST-2

87
21
1,716.00
449
2011
AA3
ST-2

93
47
1,811.00
434
2012
AAAR-2

101
56
2,192.00
420
2013
AA
AR-2

2014
AA
AR-2