| Particulars |
2003 |
2004
|
2005
|
2006 |
2007 |
| Income
Statement |
| Interest
Income |
2159 |
2641 |
3446 |
5199 |
7170 |
|
Interest Expense |
1408 |
1616 |
2271 |
3698 |
5267 |
| Net
Interest Income |
751 |
1025 |
1175 |
1500 |
1903 |
| Non-interest
Income |
841 |
946 |
1232 |
1732 |
2913 |
| Non-interest
Expense |
591 |
824 |
886 |
1101 |
1559 |
| Net
Non-interest Income |
250 |
121 |
346 |
631 |
1354 |
| Profit
before provision and tax |
1001 |
1146 |
1520 |
2131 |
3257 |
| Provision
for loans and assets |
232 |
82 |
320 |
390 |
910 |
| Profit
after provision before tax |
770 |
1064 |
1201 |
1741 |
2347 |
| Tax
including deferred tax |
394 |
452 |
633 |
689 |
946 |
| Profit
after tax |
375 |
612 |
568 |
1052 |
1401 |
| Balance
Sheet |
| Authorized
Capital |
1000 |
1000 |
4000 |
4000 |
4000 |
| Paid-up
Capital |
700 |
1000 |
1400 |
1750 |
2275 |
|
Total Shareholder's equity |
1732 |
2240 |
2808 |
3860 |
5273 |
|
Deposits |
20483 |
28069 |
36022 |
54724 |
70512 |
|
Long-term liabilities |
7052 |
7371 |
11406 |
16877 |
15267 |
| Loans
and advances |
16492 |
23220 |
31916 |
45010 |
57683 |
| Investments |
2750 |
3084 |
3940 |
7844 |
12698 |
| Property,
Plant and Equipment |
256 |
322 |
372 |
412 |
660 |
| Earning
Assets |
19335 |
27131 |
36727 |
55458
|
72798 |
|
Net current assets |
583 |
(1299) |
31
|
5286 |
1338 |
|
Total
assets |
24249 |
32362 |
41506 |
60899 |
79588 |
| Current
ratio |
0.96 |
1.06 |
1.00
|
0.88 |
0.97 |
| Debt
equity ratio |
8% |
7% |
7% |
7% |
7% |
| Other
Business |
| Import |
25441 |
36747 |
40303 |
52639 |
70617 |
| Export |
16490 |
19502 |
28882 |
41801 |
51316 |
| Remittance |
3063 |
2140 |
3688 |
15050 |
15905 |
| Guarantee
Business |
4248 |
4085 |
5303 |
5386 |
7033 |
| Inland
letter of credit |
3729 |
4267 |
5405 |
10174 |
11943 |
| Capital
Measures |
| Total
risk weighted assets |
16455 |
23050 |
31890 |
44324 |
55485 |
| Core
capital (Tier-I) |
1782 |
2240 |
2808 |
3860 |
5273 |
|
Supplementary capital (Tier-II) |
176 |
236 |
369 |
549 |
1109 |
| Total
Capital |
1958 |
2476 |
3177 |
4409 |
6382 |
|
Tier-I
capital ratio |
10.83 |
9.72 |
8.80 |
8.71 |
9.50 |
|
Tier-II capital ratio |
1.07% |
1.02 |
1.16 |
1.24 |
2.00 |
| Total
capital ratio |
11.90% |
10.74 |
9.96 |
9.95 |
11.50 |
| Credit
Quality |
|
Non
performing loans (NPLs) |
326.53
|
352.73 |
308.21 |
367.15 |
777 |
|
% of NPLs to total loans and advances |
1.98% |
1.52% |
0.96% |
0.82% |
1.35% |
| Provision
for unclassified loans |
171.73% |
231.73 |
364.80 |
544.80 |
895 |
| Provision
for classified loans |
249.44 |
174 |
127.00 |
308.52 |
478 |
| Share
Information |
|
Market
price per share (Taka) |
374.25 |
879.50 |
681.50 |
528.75 |
924 |
|
No. of shares outstanding |
7 |
10 |
14 |
17.50 |
22.75 |
| No.
of shareholders at actual |
1993 |
2620 |
4467 |
5262 |
7368 |
| Earning
per share (Taka) |
37.55 |
43.71 |
40.59 |
60.11 |
61.57 |
| Dividend |
62.86% |
40.00% |
25.00% |
30% |
35% |
| Cash |
20.00% |
0.00% |
0.00%
|
0.00%
|
10% |
| Bonus |
42.86% |
40.00% |
25.00% |
30% |
25% |
| Effective
dividend ratio |
67.70% |
47.06% |
29.17% |
33% |
40% |
| Market
capitalization |
2619.75 |
8795.00 |
9541.00 |
9253.13 |
21021 |
| Net
assets per share (Taka) |
233.12 |
223.98 |
200.57 |
220.57% |
232 |
| Price
earning ratio (times) |
9.97 |
20.12 |
16.79 |
8.80% |
15.00 |
| Operating
Performance Ratio |
|
Net
interest margin on average earning assets |
4.36% |
4.41% |
3.68% |
3.23% |
2.97% |
| Net
non-interest margin on average earning assets |
1.45% |
0.52% |
1.08% |
1.37% |
2.11% |
| Earning
base in assets (average) |
79.02% |
82.08% |
86.45% |
90.02% |
91.29% |
| Cost
income raito |
37.11% |
41.83% |
36.82% |
34.07% |
32.37% |
| Credit
deposit raito |
80.52% |
80.72% |
88.60% |
82.25% |
81.81% |
| Cost
of funds on average deposits |
7.62% |
6.66% |
7.09% |
8.15% |
8.41% |
| Yield
on average advance |
14.80% |
13.30% |
12.50% |
13.52% |
13.96% |
| Return
on average assets |
1.72% |
2.16% |
1.54% |
2.05% |
1.99% |
| Return
on average equity |
22.70% |
30.43% |
22.51% |
31.55% |
30.68% |
| Other
information |
| No
of Branches |
30 |
36 |
41 |
50
|
61 |
| No
of employees |
777 |
894 |
1024 |
1172 |
1400 |
| No
of foreign correspondents |
441 |
501 |
517 |
528
|
553 |
| Average
earning assets |
17230.13 |
23233.08 |
31929.08 |
46092.85 |
64128 |
| Average
total assets |
21804.03 |
28305.38 |
36933.96 |
51202.88 |
70244 |
| Average
depostis |
18482.42 |
24276.24 |
32045.85 |
45373.27 |
62618 |
| Average
advance |
14590 |
19856 |
27568
|
384634 |
51347 |
| Average
equity |
1654.14 |
2010.83 |
2523.90 |
3333.94 |
4567 |
