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 2013 2014 2015 2016 2017 Growth
Total assets 50,429 58,927 73,434 79,359 95,687 20.65%
Long term liabilities 43,951 51,371 64,154 68,931 81,548 18.30%
Term deposit balance 29,064 35,240 46,039 47,475 59,854 26.07%

Operational Performance

Operational Performance 2013 2014 2015 2016 2017 Growth
Operational income 2,761 3,658 4,588 5,167 6,280 21.62%
Operational expenses 1,243 1,464 1,648 1,959 2,336 19.23%
Financial expenses 4,138 4,543 4,833 4,625 4,898 5.90%
Profit before tax 1,325 2,187 2,629 3,049 3,712 21.74%
Net profit after tax 669 1,246 1,459 1,780 2,277 27.91%

Financial Ratios

Financial Ratios 2013 2014 2015 2016 2017 Growth
Debt equity ratio (Times) 8.4 8.03 8.43 7.88 6.60 (1.28)
Financial expenses coverage ratio (Times) 1.32 1.48 1.54 1.66 1.76 0.10
Return on total assets (%) 1.52 2.28 2.2 2.33 2.60 0.27
Return on shareholders’ equity (%) 13.31 20.95 20.39 21.29 21.15 (0.14)
Earnings per share* (Taka) 2.07 3.84 4.50 5.49 6.13 0.64
Price earnings ratio (Times) 15.12 12.06 10.96 8.05 13.91 5.86
Average effective tax rate (%) 49.48 43.04 44.48 41.61 38.65 (2.96)
Net interest income as a % of working fund 5.65 6.56 6.68 6.36 5.98 (0.39)

*Earning per share is required to be calculated based on adjustment factor, as there was issuance of right issue during the year.

Equity Statistics

Equity Statistics 2013 2014 2015 2016 2017 Growth
Number of shares (No.) 160,875,000 201,093,750 251,367,187 251,367,187 377,050,780 50.00%
Year end market price per share (BDT) 62.90 74.70 63.60 57.00 85.30 49.65%
Net asset value per share (BDT)* 14.22 17.31 20.65 23.70 33.41 40.95%
Market capitalization (Taka in million) 10,119.04 15,021.70 15,986.95 14,327.93 36162.43 124.47%
Market value addition (Taka in million) 29.57 42.24 32.63 21.44 51.89 141.99%
Shareholders' equity (Taka in million) 5,362.76 6,527.83 7,785.96 8,937.84 12,597.48 40.95%

Financial Performance

Financial Performance 2013 2014 2015 2016 2017 Growth
Lease and Term loans disbursed 16,895 17,473 22,140 29,807 35,511 19.14%
Housing finance disbursement 4,421 5,896 5,954 5,646 7,893 39.80%
Short term finance portfolio 604 735 1,079 845 778 -8.01%
Lease Finance 6,358 6,282 6,016 4,950 4,629 -6.49%
Real estate finance assets 11,170 14,822 17,206 18,108 21,462 18.52%
Total assets 48,535 57,160 71,769 76,505 92,611 21.05%
Long term liabilities 42,884 50,471 63,591 67,446 80,540 19.41%
Term deposit balance 29,164 35,241 46,174 47,564 60,538 27.28%
Net current assets 2,682 2,778 5,924 5,031 6,580 30.80%

Operational Performance

Operational Performance 2013 2014 2015 2016 2017 Growth
Operational income 2,573 3,326 3,961 4,433 4,801 8.31%
Operational expenses 1,021 1,237 1,394 1,679 1,934 15.23%
Financial expenses 4,127 4,530 4,827 4,625 4,902 6.00%
Profit before tax 1,406 2,029 2,276 2,581 2,639 2.25%
Net profit after tax 811 1,154 1,244 1,496 1,582 5.72%

Financial Ratios

Financial Ratios 2013 2014 2015 2016 2017 Growth
Debt equity ratio (Times) 9.50 9.04 9.65 9.06 7.76 (1.30)
Average effective tax rate (%) 42.32 43.15 45.34 42.02 40.05 (1.97)
Financial expenses coverage ratio (Times) 1.34 1.45 1.47 1.56 1.54 (0.02)
Current ratio (Times) 1.14:1 1.13:1 1.22:1 1.17:1 1.18:1 0.01
Return on total assets (%) 1.92 2.18 1.93 2.02 1.87 (0.15)
Non performing loan ratio (%) 1.63 2.02 3.06 2.95 2.77 (0.18)
Return on shareholders' equity (%) 19.24 22.37 20.01 20.87 17.41 (3.46)
Earnings per share* 2.50 3.56 3.84 4.62 4.26 (0.36)
Shareholders' equity (Taka in million) 4,621 5,694 6,737 7,605 10,569 38.98%

*Earning per share is required to be calculated based on adjustment factor, as there was issuance of right issue during the year.

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