BALANCE SHEET(Dhaka Ban

Particulars 2019
Cash 17,638,558,211.00

In hand (Including foreign currencies) 2,950,364,964.00

Balances with Bangladesh bank and sonali bank (Including foreign

14,688,193,247.00
currencies)

Balance with other banks and financial institution 13,997,425,517.00

In Bangladesh 10,036,263,655.00

Outside Bangladesh 3,961,161,862.00

Money at call and short notice 11,300,000.00

Investment in shares & securities 39,732,544,794.00

Government 30,443,129,119.00

Others 9,289,415,675.00

Loans, cash credits, overdrafts/General Investments 192,862,459,437.00

Bills discounted and purchased 2,624,408,554.00

Total 195,486,867,991.00

Land, building, furniture and fixtures (Including leased assets) 5,087,739,886.00

Non-Banking Assets -

Other assets 14,482,589,531.00

Total assets 286,437,025,931.00

Borrowings from other banks, financial institutions and agents 27,845,215,972.00

Current /Al-Wadeeah current and other deposit accounts 22,081,167,690.00

Bills payable 2,101,736,305.00

Savings deposits/Mudaraba Savings Deposits 20,887,404,358.00

Mudarabba/ Term and Fixed deposits 159,094,603,912.00

Total Deposits 204,164,912,265.00

Other liabilities 29,130,942,124.00

Subordinated Debt/Mudaraba bond 7,400,000,000.00

Total liabilities 268,541,070,361.00

Capital /Shareholders'' Equity: 17,895,887,969.00

Paid up capital 8,532,118,190.00

Statutory reserve 7,627,051,380.00

Retained earnings 1,618,562,389.00

Other Reserve 118,156,010.00
Minority Interest 67,600.00
Total Equity 17,895,955,570.00

Total liabilities and shareholders' equity 286,437,025,931.00

NAV 20.97
ALANCE SHEET(Dhaka Bank)
2018 2017 2016
15,451,545,066.00 13,684,691,050.00 16,715,758,759.00

2,422,377,323.00 1,839,941,316.00 1,797,462,755.00

13,029,167,743.00 11,844,749,734.00 14,918,296,004.00

17,643,847,041.00 11,394,521,215.00 11,229,483,485.00

15,929,923,232.00 10,190,843,071.00 8,640,709,728.00

1,713,923,809.00 1,203,678,144.00 2,588,773,757.00

11,300,000.00 11,300,000.00 1,051,300,000.00

30,641,895,095.00 26,040,501,710.00 23,783,240,894.00

22,009,920,154.00 19,706,422,487.00 18,805,722,760.00

8,631,974,941.00 6,334,079,223.00 4,977,518,134.00

177,541,944,177.00 150,656,808,845.00 131,707,113,368.00

2,957,426,187.00 3,210,833,048.00 3,126,277,363.00

180,499,370,364.00 153,867,641,893.00 134,833,390,731.00

4,915,963,776.00 4,269,381,542.00 4,201,264,375.00

23,166,033.00 23,166,033.00 23,166,033.00

26,209,937,949.00 21,537,286,973.00 11,439,308,527.00

275,397,025,324.00 230,828,490,416.00 203,276,912,804.00

26,793,730,174.00 21,633,548,366.00 11,496,873,150.00

20,619,616,485.00 20,025,396,323.00 21,093,467,455.00

 2,845,247,938.00 2,826,174,811.00 2,047,637,778.00

20,091,972,393.00 19,061,994,575.00 16,735,239,732.00

153,317,011,573.00 127,816,154,943.00 116,880,603,387.00

196,873,848,389.00 169,729,720,652.00 156,756,948,352.00

26,480,337,082.00 20,637,340,094.00 16,308,113,207.00

8,000,000,000.00 3,000,000,000.00 3,800,000,000.00

258,147,915,645.00 215,000,609,112.00 188,361,934,709.00

17,249,047,301.00 15,827,823,976.00 14,914,932,104.00

8,125,826,851.00 7,222,957,200.00 6,879,006,860.00

7,006,913,590.00 6,418,181,801.00 5,850,338,779.00

1,417,367,180.00 1,502,345,228.00 1,385,575,519.00

698,939,680.00 684,339,747.00 800,010,946.00
62,379.00 57,329.00 45,991.00
17,249,109,680.00 15,827,881,305.00 14,914,978,095.00

275,397,025,325.00 230,828,490,417.00 203,276,912,804.00

21.23 21.91 21.68

 2015
14,966,422,109.00

1,543,708,584.00

13,422,713,525.00

10,212,560,426.00

6,724,351,465.00

3,488,208,961.00
15,300,000.00

23,072,924,090.00

19,637,850,305.00

3,435,073,785.00

115,789,830,575.00

2,394,649,940.00

118,184,480,515.00

4,109,853,726.00

23,166,033.00

6,630,271,559.00

177,214,978,458.00

10,834,730,420.00

15,782,686,124.00
 1,267,436,384.00

14,564,284,031.00

106,977,095,206.00

138,591,501,745.00

12,677,174,983.00

1,400,000,000.00

163,503,407,148.00

13,711,539,954.00

6,253,642,600.00

5,300,747,818.00

1,265,053,471.00
892,096,065.00
37,355.00
13,711,577,309.00

177,214,984,457.00

21.93
 Income statement(Dhaka Bank)
Particulars 2019
Interest income 21,539,337,422.00

Interest paid on deposits and borrowings 17,034,273,799.00

Net interest income 4,505,063,622.00

Income from investments 2,705,658,785.00

Commission, exchange and brokerage Income 3,485,489,651.00

Other operating income 276,173,352.00

Total operating income 10,972,385,410.00

Rent, Taxes, Insurance, Electricity etc. 513,750,142.00

Salaries and allowances 2,329,156,038.00

Legal Expenses 149,644,656.00

Postage, Stamps, Telecommunication etc. 46,196,127.00

Stationery, Printing, Advertisement etc. 167,894,724.00

Directors' Fees and Expenses 5,431,950.00

Salary and allownaces paid to Managing director/Chief

16,485,097.00
Executive

Auditors' Fee 1,851,500.00

Depreciation and Repairs to Bank's Assets 712,993,292.00

Other Expenses 843,540,474.00

Total operating expenses 4,786,944,000.00

Operating Profit 6,185,441,410.00

Profit before provision 6,185,441,410.00

Specific provision (Loan and Advances) 3,029,481,611.00

Provision for good borrower 12,000,000.00

Diminution in value of investment 12,283,557.00

Others Provision -50,880,125.00

Total provision 3,002,885,043.00

Profit for the year before taxation 3,182,556,367.00

Current Tax 1,584,695,773.00

Deferred tax -25,708,771.00

Provision for tax 1,558,987,002.00

Net profit after tax for the year 1,623,569,365.00

EPS 1.9
Income statement(Dhaka Bank)
2018 2017 2016 2015
18,973,652,799.00 13,727,205,143.00 13,173,471,870.00 12,146,219,663.00

13,413,830,494.00 10,339,604,517.00 9,451,375,496.00 10,124,160,206.00

5,559,822,305.00 3,387,600,626.00 3,722,096,374.00 2,022,059,457.00

2,327,054,545.00 3,094,917,268.00 3,404,981,086.00 3,214,203,256.00

2,966,946,606.00 2,997,010,487.00 1,587,140,031.00 1,372,701,795.00

202,639,673.00 236,734,487.00 271,693,740.00 385,037,898.00

11,056,463,129.00 9,716,262,868.00 8,985,911,231.00 6,994,002,406.00

674,272,290.00 649,438,474.00 528,706,421.00 474,877,645.00

2,227,838,262.00 2,221,634,512.00 1,744,368,347.00 1,668,303,553.00

68,915,370.00 21,686,243.00 17,792,303.00 10,539,131.00

44,234,410.00 45,415,750.00 40,674,152.00 50,265,745.00

177,885,044.00 150,115,511.00 149,468,134.00 202,509,445.00

4,484,370.00 5,020,850.00 4,639,000.00 4,203,240.00

15,603,817.00 14,095,183.00 12,890,167.00 10,422,334.00

1,797,500.00 1,782,500.00 1,782,500.00 1,495,000.00

447,197,280.00 365,643,104.00 345,278,702.00 308,421,863.00

733,038,598.00 776,670,102.00 563,526,474.00 544,338,145.00

4,395,266,941.00 4,251,502,229.00 3,409,126,200.00 3,275,376,101.00

6,661,196,188.00 5,464,760,639.00 5,576,785,031.00 3,718,626,305.00

 6,661,196,188.00 5,464,760,639.00 5,576,785,031.00 3,718,626,305.00

3,159,661,160.00 2,153,981,089.00 2,444,517,209.00 1,095,173,902.00

10,000,000.00 7,377,931.00 8,200,000.00 1,254,000.00

- - - 4,075,897.00

460,847,128.00 283,968,402.00 252,948,481.00 121,059,710.00

3,630,508,288.00 2,445,327,422.00 2,705,665,690.00 1,221,563,509.00

3,030,687,900.00 3,019,433,217.00 2,871,119,341.00 2,497,062,796.00

1,615,965,222.00 1,439,667,055.00 1,352,164,621.00 973,201,002.00

5,094,239.00 -28,988,981.00 -33,325,504.00 2,433,093.00

1,621,059,461.00 1,410,678,074.00 1,318,839,117.00 975,634,095.00

1,409,628,439.00 1,608,755,143.00 1,552,280,224.00 1,521,428,701.00

1.65 1.98 2.15 2.21
 Interest coverage ratio
RATIO 2015 2016 2017

ROE 0.11095942258965 0.1040752600582 0.1016405867595

ROA 0.00858521505484 0.007636283937 0.0069694825803

Net interest margin 0.01141020626244 0.0183104727569 0.0146758340788

Net non interest margin 0.01 0.0091239513205 0.0089987159265

Net operatng margin 0.02098370204007 0.0274344240774 0.0236745500053

Net profit margin 0.21753333966468 0.1727460002771 0.165573447822

2015 2016 2017

Non interest revenue 4,971,942,949.00 5,263,814,857.00 6,328,662,242.00

non interest expense 3,275,376,101.00 3,409,126,200.00 4,251,502,229.00

 2018 2019

0.0817218085542 0.0907226975754

0.0051185318263 0.0056681546658

0.0201883891028 0.0157279374318

0.0039992221474 0.0058664824582

0.0241876112502 0.02159441989

0.1274936136948 0.1479686781254

2018 2019

5,496,640,824.00 6,467,321,788.00

4,395,266,941.00 4,786,944,000.00
 Balance sheet (Mercantile Bank)
Particulars 2019 2018

Cash 16,788,776,795.00 15,603,173,163.00

In hand (Including foreign

2,542,948,612.00 2,320,565,012.00
currencies)

Balances with Bangladesh bank

and sonali bank (Including foreign 14,245,828,183.00 13,282,608,151.00
currencies)

Balance with other banks and

1,289,207,318.00 2,892,469,252.00
financial institution

In Bangladesh 1,048,738,016.00 1,088,808,133.00

Outside Bangladesh 240,469,302.00 1,803,661,119.00

Money at call and short notice 365,000,000.00 145,000,000.00

Investment in shares & securities 50,806,920,206.00 39,986,518,021.00

Government 44,377,626,068.00 33,226,982,753.00

Others 6,429,294,138.00 6,759,535,268.00

Loans, cash credits,

228,274,889,981.00 211,202,502,868.00
overdrafts/General Investments

Bills discounted and purchased 12,193,716,412.00 16,341,390,888.00

Total 240,468,606,393.00 227,543,893,756.00

Land, building, furniture and

3,161,428,865.00 3,310,541,200.00
fixtures (Including leased assets)

Non-Banking Assets 23,905,709.00 -

Other assets 4,820,161,704.00 3,262,669,209.00

Total assets 317,724,006,990.00 292,744,264,601.00

Borrowings from other banks,

20,623,045,320.00 20,184,862,378.00
financial institutions and agents

Current /Al-Wadeeah current and

48,632,260,233.00 48,129,568,880.00
other deposit accounts

Bills payable 3,045,627,717.00 2,939,303,079.00

Savings deposits/Mudaraba
23,894,395,453.00 21,453,096,403.00
Savings Deposits
Mudarabba/ Term and Fixed
116,338,773,679.00 105,589,346,641.00
deposits

Deposits under schemes/ Term

55,695,383,360.00 51,767,020,352.00
Deposits

Other Deposits/ Mudarabba

- -
Deposits
Total Deposits 247,606,440,442.00 229,878,335,355.00

Other liabilities 24,354,823,662.00 19,214,368,510.00

Subordinated Debt/Mudaraba
4,200,000,000.00 4,800,000,000.00
bond

Total liabilities 296,784,309,424.00 274,077,566,243.00

Capital /Shareholders'' Equity: 20,889,627,691.00 18,617,218,120.00

Paid up capital 9,371,583,020.00 8,149,202,630.00

Statutory reserve 7,879,083,376.00 7,182,984,005.00

Retained earnings 1,492,208,765.00 1,172,474,186.00

Other Reserve 746,752,530.00 712,557,299.00

General reserves and others 1,400,000,000.00 1,400,000,000.00

Minority Interest 50,069,875.00 49,480,238.00

Total Equity 20,939,697,566.00 18,666,698,358.00
Total liabilities and shareholders'
317,724,006,990.00 292,744,264,601.00
equity
NAV 22.34 22.91
heet (Mercantile Bank)
2017 2016 2015

15,680,966,260.00 12,501,632,123.00 13,226,236,073.00

2,008,127,286.00 1,724,292,311.00 1,398,277,602.00

13,672,838,974.00 10,777,339,812.00 11,827,958,471.00

934,312,772.00 3,752,891,993.00 4,099,692,248.00

688,461,599.00 3,394,173,928.00 3,816,461,041.00

245,851,173.00 358,718,065.00 283,231,207.00

100,000,000.00 - 800,000,000.00

35,602,149,655.00 30,200,687,896.00 34,059,461,147.00

29,362,506,727.00 24,271,567,529.00 28,817,526,390.00

6,239,642,928.00 5,929,120,367.00 5,241,934,757.00

183,544,215,779.00 141,073,305,556.00 117,965,234,987.00

19,396,197,965.00 13,042,844,643.00 8,658,813,655.00

202,940,413,744.00 154,116,150,199.00 126,624,048,642.00

3,082,427,810.00 3,199,089,093.00 3,348,176,820.00

- - -

3,053,717,095.00 1,264,942,686.00 1,623,585,687.00

 261,393,987,336.00 205,035,393,990.00 183,781,200,617.00

16,184,830,552.00 8,804,043,480.00 552,848,144.00

49,465,778,859.00 34,728,064,236.00 30,452,897,558.00

2,594,349,058.00 2,421,841,947.00 1,634,654,462.00

19,511,485,925.00 16,601,527,469.00 12,739,771,915.00

77,056,698,640.00 36,776,569,142.00 42,028,786,930.00

60,446,146,361.00 - -

- 65,255,562,966.00 60,852,621,850.00

209,074,458,843.00 155,783,565,760.00 147,708,732,715.00

16,089,564,668.00 20,578,455,563.00 16,951,728,792.00

2,400,000,000.00 3,000,000,000.00 3,000,000,000.00

243,748,854,063.00 188,166,064,803.00 168,213,309,651.00

17,594,576,291.00 16,818,844,936.00 15,515,249,055.00

7,761,145,370.00 7,391,567,010.00 7,391,567,010.00

6,312,796,441.00 5,449,253,039.00 4,751,781,375.00

1,725,298,143.00 1,547,915,469.00 894,031,622.00

1,295,336,337.00 2,430,109,418.00 2,477,869,048.00

500,000,000.00 - -

50,556,981.00 50,484,252.00 52,641,911.00

17,645,133,272.00 16,869,329,188.00 15,567,890,966.00

261,393,987,335.00 205,035,393,991.00 183,781,200,617.00

22.67 22.75 20.9

 IncomeStatement
Particulars 2019 2018

Interest income 23,155,095,356.00 20,451,512,557.00

Interest paid on deposits and borrowings 18,120,004,540.00 16,277,034,618.00

Net interest income 5,035,090,816.00 4,174,477,939.00

Income from investments 3,855,632,752.00 3,592,906,102.00

Commission, exchange and brokerage

3,037,426,557.00 2,469,707,084.00
Income
Other operating income 1,460,306,486.00 1,826,078,713.00

Total operating income 13,388,456,611.00 12,063,169,838.00

Rent, Taxes, Insurance, Electricity etc. 391,187,402.00 813,336,693.00

Salaries and allowances 2,455,289,533.00 2,481,573,236.00

Legal Expenses 33,217,400.00 25,258,305.00

Postage, Stamps, Telecommunication etc. 68,538,394.00 72,895,725.00

Stationery, Printing, Advertisement etc. 267,038,211.00 297,894,256.00

Directors' Fees and Expenses 5,502,200.00 5,124,400.00

Salary and allownaces paid to Managing

13,191,210.00 17,658,710.00
director/Chief Executive

Auditors' Fee 1,257,146.00 2,047,827.00

Depreciation and Repairs to Bank's Assets 900,436,039.00 448,095,115.00

Other Expenses 1,789,485,101.00 1,554,185,524.00

Total operating expenses 5,925,142,636.00 5,718,069,791.00

Operating Profit 7,463,313,975.00 6,345,100,047.00

Profit before provision 7,463,313,975.00 6,345,100,047.00

Specific provision (Loan and Advances) 3,607,813,043.00 2,039,335,646.00

Others Provision 305,642,102.00 21,492,981.00

Total provision 3,913,455,145.00 2,060,828,627.00

Profit for the year before taxation 3,549,858,830.00 4,284,271,420.00

Current Tax 1,368,333,012.00 1,413,816,901.00

Deferred tax -41,035,528.00 -52,513,317.00

Provision for tax 1,327,297,484.00 1,361,303,584.00

Net profit after tax for the year 2,222,561,346.00 2,922,967,837.00

EPS 2.37 3.12

tatement
2017 2016 2015

16,327,975,923.00 13,864,607,540.00 14,329,579,494.00

12,897,323,225.00 10,750,300,888.00 11,808,553,787.00

3,430,652,698.00 3,114,306,652.00 2,521,025,707.00

3,498,040,797.00 3,049,196,792.00 2,664,396,534.00

2,747,572,036.00 1,967,056,164.00 1,765,210,576.00

2,445,292,648.00 2,145,525,281.00 1,092,376,366.00

12,121,558,179.00 10,276,084,889.00 8,043,009,183.00

692,006,593.00 638,468,058.00 556,503,121.00

2,528,199,741.00 2,498,707,612.00 1,805,289,559.00

17,078,985.00 10,572,881.00 6,928,068.00

63,710,692.00 65,357,100.00 68,269,036.00

191,940,214.00 179,599,987.00 183,491,323.00

5,671,189.00 6,593,200.00 4,531,475.00

16,138,710.00 12,982,253.00 14,136,323.00

2,005,900.00 1,304,058.00 1,084,037.00

384,666,555.00 381,498,650.00 306,601,860.00

 1,556,237,488.00 1,981,630,984.00 1,136,418,984.00

5,457,656,067.00 5,776,714,783.00 4,083,253,786.00

6,663,902,112.00 4,499,370,106.00 3,959,755,397.00

6,663,902,112.00 4,499,370,106.00 3,959,755,397.00

2,317,846,431.00 984,077,542.00 1,292,469,685.00

- - 5,700,000.00

2,317,846,431.00 984,077,542.00 1,298,169,685.00

4,346,055,681.00 3,515,292,564.00 2,661,585,712.00

1,380,571,440.00 1,292,248,341.00 1,264,011,981.00

-54,457,982.00 -4,861,038.00 -5,214,809.00

1,326,113,458.00 1,287,387,303.00 1,258,797,172.00

3,019,942,223.00 2,227,905,261.00 1,402,788,540.00

3.71 2.87 1.9

 Profatibality Ratio
RATIO 2015 2016 2017 2018

ROE 0.090107808634 0.1320683968029 0.1711487341267 0.1565872968503

ROA 0.0076329272814 0.0108659544952 0.0115532199259 0.0099847142727

Net interest margin 0.0137175385651 0.0151891173099 0.0131244514572 0.014259811186

Net non interest margin 0.0078284921699 0.0349294728955 0.0123692570244 0.0074147382903

Net operatng margin 0.021546030735 0.0219443580859 0.0254937084816 0.0216745494763

Net profit margin 0.174410908664 0.2168048712195 0.2491381205621 0.2423051218091

2015 2016 2017 2018

Non interest revenue 5,521,983,476.00 7,161,778,237.00 8,690,905,481.00 7,888,691,899.00

non interest expense 4,083,253,786.00 5,776,714,783.00 5,457,656,067.00 5,718,069,791.00

 2019

0.106141043298

0.0069952578247

0.0158473728935

0.0076425548765

0.02348992777

0.1660057921967

2019
8,353,365,795.00

5,925,142,636.00