Financial Highlights

If you need to have all the relevant financial performance indicators of the company at one glance, look no further.

Financial Performance

Financial Performance 2012 2013 2014 2015 2016 Growth
Total assets 37,784 50,429 58,927 73,434 79,359 8.07%
Long term liabilities 32,492 43,951 51,371 64,154 68,931 7.45%
Term deposit balance 22,008 29,064 35,240 46,039 47,475 3.12%

Operational Performance

Operational Performance 2012 2013 2014 2015 2015 Growth
Operational income 2,403 2,761 3,658 4,588 5,167 12.61%
Operational expenses 1,058 1,243 1,464 1,648 1,962 19.06%
Financial expenses 3,103 4,138 4,543 4,833 4,622 -4.36%
Profit before tax 1,252 1,325 2,187 2,629 3,049 16.00%
Net profit after tax 713 669 1,246 1,459 1,780 22.00%

Financial Ratios

Financial Ratios 2012 2013 2014 2015 2016 Growth
Debt equity ratio (Times) 7.05 8.4 8.03 8.43 7.88 (0.55)
Financial expenses coverage ratio (Times) 1.4 1.32 1.48 1.54 1.66 0.12
Return on total assets (%) 2.07 1.52 2.28 2.2 2.33 0.13
Return on shareholders’ equity (%) 16.44 13.31 20.95 20.39 21.29 0.90
Earnings per share* (Taka) 2.84 2.66 4.95 5.81 7.08 1.28
Price earnings ratio (Times) 15.95 15.12 12.06 10.96 8.05 (2.91)
Average effective tax rate (%) 43.07 49.48 43.04 44.48 41.61 (2.87)
Net interest income as a % of working fund 5.94 5.65 6.56 6.68 6.36 (0.32)

Equity Statistics

Equity Statistics 2012 2013 2014 2015 2016 Growth
Number of shares (No.) 123,750,000 160,875,000 201,093,750 251,367,187 251,367,187 0.00%
Year end market price per share (BDT) 91.90 62.90 74.70 63.60 57.00 -10.38%
Net asset value per share (BDT)* 18.67 21.33 25.97 30.97 35.56 14.79%
Market capitalization (Taka in million) 11,372.63 10,119.04 15,021.70 15,986.95 14,327.93 -10.38%
Market value addition (Taka in million) 44.49 29.57 42.24 32.63 21.44 -34.28%
Shareholders' equity (Taka in million) 4,693.29 5,362.76 6,527.83 7,785.96 8,937.84 14.79%

Financial Performance

Financial Performance 2011 2012 2013 2014 2015 Growth
Lease and Term loans disbursed 8,517 12,304 16,895 17,473 22,140 26.71%
Housing finance disbursement 2,586 2,736 4,421 5,896 5,954 0.99%
Short term finance portfolio 821 581 604 735 1,079 46.78%
Lease Finance 4,547 5,479 6,358 6,282 6,016 -4.23%
Real estate finance assets 6,979 8,262 11,170 14,822 17,206 16.08%
Total assets 29,519 35,748 48,535 57,160 71,769 25.56%
Long term liabilities 25,299 30,987 42,884 50,471 63,591 26.00%
Term deposit balance 16,828 22,008 29,164 35,241 46,174 31.02%
Net current assets 3,676 2,797 2,682 2,778 5,924 113.29%

Operational Performance

Operational Performance 2011 2012 2013 2014 2015 Growth
Operational income 2,043 1,955 2,573 3,326 3,961 19.08%
Operational expenses 672 822 1,021 1,237 1,394 12.69%
Financial expenses 2,359 3,088 4,127 4,530 4,827 6.55%
Profit before tax 913 1,033 1,406 2,029 2,276 12.14%
Net profit after tax 804 589 811 1,154 1,244 7.83%

Financial Ratios

Financial Ratios 2011 2012 2013 2014 2015 Growth
Debt equity ratio (Times) 8.16 8.38 9.50 9.04 9.65 0.61
Average effective tax rate (%) 41.57 42.94 42.32 43.15 45.34 2.19
Financial expenses coverage ratio (Times) 1.39 1.33 1.34 1.45 1.47 0.02
Current ratio (Times) 1.31:1 1.21:1 1.14:1 1.13:1 1.22:1 0.09
Return on total assets (%) 2.93 1.81 1.92 2.18 1.93 (0.25)
Non performing loan ratio (%) 2.32 2.09 1.63 2.02 3.06 1.04
Return on shareholders' equity (%) 27.51 16.76 19.24 22.37 20.01 (2.35)
Earnings per share* 3.20 2.34 3.23 4.59 4.95 0.36
Shareholders' equity (Taka in million) 3,221 3,810 4,621 5,694 6,737 18.31%
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