AB BANK BALANCE S

Particulars
PROPERTY AND ASSETS
Cash
Cash in hand (including foreign currency)
Balance with Bangladesh Bank and its agent bank(s) (including

Balance with other banks and financial institutions

In Bangladesh
Outside Bangladesh
Money at call and on short notice
Investments
Government securities
Other investments
Loans and advances
Loans, cash credit, overdrafts etc.
Bills purchased and discounted
Fixed assets including premises, furniture and fixtures
Other assets
Non-banking assets
Total assets
LIABILITIES AND CAPITAL
Liabilities
Borrowing from other banks, financial Institutions and agents
Subordinated debt
Deposits and other accounts
Current deposit and other accounts
Bills payable
Savings bank deposits
Fixed deposits
Other Deposit
Other liabilities
Total liabilities
Capital/Shareholders' equity
Paid up capital
Statutory reserve
other Reserve
Retained Earnings
Total liabilities and shareholders' equity
AB BANK BALANCE SHEETS
31st-DEC-15 31-Dec-16 31-Dec-17
11,861,355,635 19,707,650,776 17,780,769,152
1,204,156,116 1,536,332,492 1,572,259,632
15,829,128,241 18,171,318,283 16,208,509,520

4,711,003,257 4,557,434,958 3,987,238,222

2,159,121,205 2,531,704,237 2,295,067,692
2,551,882,052 2,025,730,721 1,692,170,531
5,284,337,005 8,325,871,504 1,170,389,436
32,559,141,564 46,666,898,817 45,749,363,948
23,596,892,752 41,903,780,261 39,732,017,188
4,900,964,126 4,763,118,556 6,017,346,761
209,725,203,268 218,769,451,248 229,647,286,231
208,565,121,079 218,136,406,416 228,624,340,946
1,160,082,188 633,044,832 1,022,945,284
4,080,377,435 4,200,872,767 4,113,341,268
12,728,206,273 11,496,412,503 12,116,611,208
0 0-
314,835,891,011 285,010,254,720 314,564,999,466

23,693,344,309 15,454,422,143 21,871,443,363

6,500,000,000 6,500,000,000 6,000,000,000
213,818,905,499 245,640,782,909 235,954,308,453
20,067,587,921 22,298,120,917 21,822,803,753
3,699,973,387 4,865,582,322 2,251,301,559
22,573,067,458 28,024,691,434 29,869,956,989
111,741,032,463 122,034,379,371 129,606,179,136
55,737,244,271 68,418,008,865 52,404,067,016
18,205,779,567 24,126,225,778 27,968,002,561
262,218,029,375 291,721,430,830 291,793,754,377
22,792,225,345 23,114,460,183 22,771,245,089
5,990,165,460 6,738,936,140 7,581,303,150
6,111,203,545 6,495,637,440 6,549,242,999
3,859,909,419 3,070,222,838 2,628,706,941
6,830,946,921 6,809,663,765 6,011,991,999
285,010,254,720 314,835,891,011 253,248,941,805
 31-Dec-18 31-Dec-19
16,433,059,322 19,872,447,371
1,960,393,120 1,136,100,637
14,472,666,202 18,736,346,733

3,178,371,232 5,248,790,344
1,625,277,794 960,214,284
1,553,093,439 4,288,576,060
1,428,822,961 4,776,493,241
43,593,782,292 61,578,564,387
33,523,320,645 51,271,643,217
10,070,461,647 10,306,921,170
241,070,141,407 256,512,476,640
239,945,454,388 255,778,280,956
1,124,687,019 734,195,684
3,886,208,770 4,871,210,242
12,935,585,637 12,365,703,251
- 342,984,836
322,525,971,620 365,568,670,314

18,272,449,759 14,820,039,741
8,700,000,000 7,400,000,000
235,444,849,491 279,457,593,298
22,820,201,543 24,205,740,688
2,994,339,125 4,568,375,122
28,685,663,090 29,888,590,539
128,219,725,045 122,908,353,612
52,724,920,690 97,886,533,336
37,458,190,496 41,050,555,751
299,875,489,746 342,728,188,791
22,650,481,875 22,840,481,523
7,581,303,150 7,581,303,150
6,623,362,740 6,872,052,329
2,540,663,004 2,569,965,170
5,905,152,980 5,817,160,874
283,073,282,387 365,568,670,314
 AB BANK Income Statem
AB Bank 2015
OPERATING INCOME
Interest income/profit on investments 18,914,027,627

Interest paid/profit on deposits and borrowings, etc. -16,077,046,356

Net interest income 2,836,981,270

Investment income 5,348,168,994
Commission, exchange and brokerage 2,717,093,896
Other operating income 115,809,979
8,181,072,869
Total operating income (a) 11,018,054,139
OPERATING EXPENSES
Salary and allowances 2,934,133,386
Rent, taxes, insurance, electricity, etc. 697,882,398
Legal expenses 18,146,709
Postage, stamps, telecommunication, etc. 135,901,070
Stationery, printing, advertisement, etc. 196,167,659
Chief executive's salary and fees 12,900,000
Directors' fees 9,586,543
Auditors' fees 5,012,790
Depreciation and repairs of Bank's assets 564,494,152
Other expenses 1,424,393,841
Total operating expenses (b) 5,998,618,547
Profit before provision c = (a-b) 5,019,435,593
Provision against loans and advances 2,932,772,661
Provision for diminution in value of investments 25,000,000
Other provisions 59,558,484
Total provision (d) 3,017,331,145
Profit before taxation (c-d) 2,002,104,448
Provision for taxation 697,434,025
Current tax 1,581,104,434
Deferred tax -883,670,410
Net profit after taxation 1,304,670,423
Appropriations
Statutory reserve 388,712,367
General reserve -
Dividends, etc. -
388,712,367
Retained surplus 915,958,056
Earnings Per Share (EPS) 1.94
AB BANK Income Statement
2016 2017
20,811,576,016 17,566,941,274

-16,532,249,413 -14,896,849,195

4,279,326,603 2,670,092,078
3,355,421,410 4,781,859,929
2,828,755,798 2,784,725,871
118,591,268 110,356,902
6,302,768,477 7,676,942,702
10,582,095,080 10,347,034,780

2,820,224,346 2,914,079,909
592,500,607 734,026,531
8,418,187 7,587,144
135,241,035 125,681,567
167,510,614 198,728,972
13,900,000 9,940,551
7,985,347 7,984,642
4,345,900 3,164,822
573,803,326 516,842,435
1,304,413,020 1,352,875,569
5,628,342,383 5,870,912,144
4,953,752,697 4,476,122,637
1,994,811,363 4,623,884,798
- 10,000,000
200,000,000 171,752
2,194,811,363 4,634,056,549
2,758,941,334 -157,933,912
1,488,526,466 -187,534,877
1,896,468,866 1,377,814,079
-407,942,400 -1,565,348,957
1,270,414,868 29,600,965

535,826,124 26,124,722
- -
- -
535,826,124 26,124,722
734,588,744 3,476,243
1.89 0.04
2018 2019
19,467,459,807 26,715,497,527
-17,557,309,639
18,846,782,511
1,910,150,168 7,868,715,017
4,277,547,629 3,193,192,033
2,332,595,175 1,752,591,584
127,566,812 69,510,357
6,737,709,616 5,015,293,974
8,647,859,784 12,884,008,991

2,825,003,440 2,732,602,396
748,748,069 565,877,510
2,826,348 11,038,914
114,789,243 92,753,460
151,418,300 134,693,521
9,932,258 5,885,484
4,009,591 2,076,187
2,646,052 6,956,164
465,467,337 679,740,496
1,247,892,797 1,095,487,977
5,572,733,435 6,434,301,214
3,075,126,349 6,449,707,777
1,938,210,683 4,747,311,840
513,513,018 374,987,754
67,408,023 18,227,696
2,519,131,724 5,140,527,289
555,994,625 1,309,180,488
537,671,047 1,141,439,224
1,003,412,961 1,977,784,220
-465,741,914 836,344,996
18,323,578 167,741,264

95,281,616 251,073,528
--
--
95,281,616 251,073,528
-76,958,038 -83,332,264
0.02 0.22
 AB BANK LTD. RATIO ANALYSIS
Column1 2015 2016
Particular

Liquidity Ratio
Current Ratio 1.17426 1.43613
Loans to Deposit Ratio 98.0854% 89.0607%
Cash Ratio 0.25596 0.35710
Net Working Capital to Total Assets 0.02565 0.08445
Quick Ratio 0.47165 0.59054
Loans to Asset Ratio 66.6141% 76.7584%

Solvency Ratio
Total Debt Ratio 0.83287 1.02355
Debt-equity Ratio 5.75236 6.31037
Equity Multiplier 6.90665 6.16519
Long-term Debt Ratio 0.62786 0.74526
Times Interest Earned Ratio 2.40558 3.11508
Equity Ratio 0.14479 0.16220
Equity Multiplier 6.90665 6.16519

Efficiency Ratio
Provision for Credit Losses(PCL) Ratio
Casa Ratio 0.19942 0.20486
Operating Leverage
Total Asset Turnover 0.06008 0.07302
Net Income to Total Oprating Income 0.25748 0.40439
Total Operating Expense to Income Ratio 0.31715 0.27044
Return on Deposit 0.00610 0.00517
Tax Management Ratio -0.44137 -0.14786
Expense Control Efficiency 0.18171 0.26072

Profitability Ratio

Net Porfit Margin 11.8412% 12.0053%

Profit Margin 14.9994% 20.5622%
Operating Margin Ratio 58.2533% 50.8472%
Return on Assets 0.4144% 0.4457%
Return on Equity 2.8621% 2.7481%
Return on Capital Employed 0.4859% 0.5528%
Gain/(Loss) on the Sale of Assets
Return on Loans 9.0185% 9.5130%
Retruns on Deposits 0.6102% 0.5172%

Market Value Ratio

Price - Earnings Ratio 5.00000 5.13228
Dividend Pay-out Ratio 0.25172 0.35616
Retention Rate 0.87025 0.81155

Growth Analysis
Total Asset
Long-term Liabilities
Term Deposit Balance
Operational Income
Operational Expense
Net Profit After Tax
Shareholders equity
- -9.47%
- 7.45%
- 14.88%
- -3.96%
- -6.17%
- -2.63%
- 1.41%
ANALYSIS
2017 2018 2019

1.27331 1.18594 1.55936

97.3270% 102.3892% 91.7894%
0.32961 0.30152 0.33876
0.04687 0.03142 0.08976
0.42523 0.38606 0.50965
73.0047% 74.7444% 70.1681%

0.92761 0.92977 0.93752

6.40707 6.61963 7.50265
6.90707 7.11963 8.00265
0.66721 0.64465 0.66476
0.88326 1.44555 2.19507
0.14478 0.14046 0.12496
6.90707 7.11963 8.00265

0.21908 0.21876 0.19357

0.05585 0.06036 0.07308

0.25805 0.22088 0.61073
0.33420 0.28626 0.24085
0.00013 0.00008 0.00060
9.91142 -0.83767 0.63883
-0.01526 0.06429 0.10161

0.2861% 0.2119% 1.3019%

15.1995% 9.8120% 29.4537%
58.9006% 44.4221% 48.2267%
 0.0094% 0.0057% 0.0459%
0.0650% 0.0404% 0.3672%
0.0114% 0.0068% 0.0547%

7.6495% 8.0754% 10.4149%

0.0125% 0.0078% 0.0600%

242.50000 485.00000 44.09091

0.82050 5.98503 1.43372
-19.51250 -298.25131 -5.51692

10.37% 2.53% 13.35%

-1.19% -0.94% 16.88%
-3.94% -0.22% 18.69%
-2.22% -16.42% 48.98%
4.31% -5.08% 15.46%
-97.67% -38.10% 815.44%
-1.48% -0.53% 0.84%
 2015 2016
Current Assets 54,415,837,461 79,257,856,055
Current Liabilities 46,340,628,766 55,188,394,673
Inventories
Prepaid Expenses
Total Debt 262,218,029,375 291,721,430,830
Total Equity 45,584,450,690 46,228,920,366
Net Interest Income 2,836,981,270 4,279,326,603
Total Number of Shares
Net Profit After Tax 1,304,670,423 1,270,414,868
Shareholders Equity 22,792,225,345 23,114,460,183
Total Operating Income 11,018,054,139 10,582,095,080
Total Asset 314,835,891,011 285,010,254,720
Market Value Per Share
Earnings Per Share 1.94 1.89
Shortterm Investment 37,843,478,569 54,992,770,321
Account Receivables
Long Term Debt 197,671,621,043 212,406,810,379
EBIT 3,426,498,289 4,063,354,354
Interest Expense 1,424,393,841 1,304,413,020
Cash Dividends 388,712,367 535,826,124
Dividend Per share
Stock Price 9.7 9.7
Outstanding Shares 796,000,000 796,000,000
Retained Earnings 6,830,946,921 6,809,663,765
Profit & Loss Before Provison 5,019,435,593 4,953,752,697
Fixed Assets 4,080,377,435 4,200,872,767
Cash 11,861,355,635 19,707,650,776
Interest Income 18914027627 20811576016
2017 2018 2019
68,687,760,758 64,634,035,807 91,476,295,343
53,944,062,301 54,500,203,758 58,662,706,349

291,793,754,377 299,875,489,746 342,728,188,791

45,542,490,178 45,300,963,749 45,680,963,046
2,670,092,078 1,910,150,168 7,868,715,017

29,600,965 18,323,578 167,741,264

22,771,245,089 22,650,481,875 22,840,481,523
10,347,034,780 8,647,859,784 12,884,008,991
314,564,999,466 322,525,971,620 365,568,670,314

0.04 0.02 0.22

46,919,753,384 45,022,605,253 66,355,057,628

209,881,689,515 207,917,095,494 243,014,926,689

1,194,941,657 1,803,887,422 2,404,668,465
1,352,875,569 1,247,892,797 1,095,487,977
26,124,722 95,281,616 251,073,528

9.7 9.7 9.7

796,000,000 796,000,000 796,000,000
6,011,991,999 5,905,152,980 5,817,160,874
4,476,122,637 3,075,126,349 6,449,707,777
4,113,341,268 3,886,208,770 4,871,210,242
17,780,769,152 16,433,059,322 19,872,447,371
17566941274 19467459807 26715497527