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 2014 2015 2016 2017 2018 5 years CAGR (%)
Total assets 58,927  73,434 79,311 95,687 109,166 16.70%
Long term liabilities 51,371 64,154 68,931 81,548 93,858 16.39%
Term deposit balance 35,240 46,039 47,475 59,854 70,258 19.31%
Loans & advances 47,069 55,212 62,217 71,499 83,934 15.44%

 

Operational Performance

Operational  Performance 2014 2015 2016 2017 2018 5 years CAGR (%)
Operational income 3,658 4,588 5,164 6,280 5,824 16.10%
Operational expenses 1,464 1,648  1,959 2,336 2,300 13.09%
Financial expenses 4,543 4,833  4,625 4,898 6,940 10.90%
Opearting Profit 2,194 2,940 3,205 3,945 3,524 18.35%
Profit before tax 2,187 2,629 3,049 3,712 3,127 18.73%
Net profit after tax 1,246 1,459 1,780 2,277 2,171 26.53%

 

Financial Ratios

 
Financial Ratios 2014 2015 2016 2017 2018 Growth over 2017
Debt equity ratio (Times) 8.03 8.43 7.88 6.60 7.00 0.41
Average effective tax rate (%) 43.04 44.48 41.61 38.65 30.58 (8.07)
Financial expenses coverage ratio (Times) 1.48 1.54 1.66 1.76 1.45 (0.31)
Return on total assets (%) 2.28 2.20 2.33 2.60 2.12 (0.48)
Return on shareholders’ equity (%) 20.95 20.39 21.29 21.15 16.55 (4.60)
Earnings per share* 3.84 4.50 5.49 6.13 5.76 (0.37)
Price earnings ratio (Times) 12.06 10.96 8.05 13.91 12.11 (1.81)
Net interest income as a percentage (%) of working funds 6.56 6.68 6.36 5.98 5.43  (0.54)
Operating Profit as percentage (%) of working fund 4.99 5.75 5.46 5.90 4.53 (1.37)
 
*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 2014 2015 2016 2017 2018 5 years CAGR (%)
Number of shares outsatnding (No.) 201,093,750 251,367,187 251,367,187 377,050,780 377,050,780 18.57%
Year end market price per share (BDT) 74.70 63.60 57.00 85.30 69.70 2.07%
Net asset value per share (BDT) 17.31 20.65 23.70 33.41 36.17 20.52%
Market capitalization (BDT in Million) 15,022 15,987 14,328 32,162 26,280 21.03%
Market value addition (BDT) 42.24 32.63 21.44 51.89 33.53 2.55%
Shareholders’ equity (BDT in Million) 6,528 7,786 8,938 12,597 13,637 20.52%
 

Financial Performance

Financial  Performance 2014 2015 2016 2017 2018 5 years CAGR (%)
Lease and Term loans disbursed 17,473 22,140 29,807 35,511 39,400 18.45%
Housing finance disbursement  5,896 5,954 5,646 7,893 7,649 11.59%
Short term finance portfolio 735 1,079 845 778 906 8.45%
Lease Finance 6,282 6,016 4,950 4,629 4,277 -7.62%
Real estate finance assets 14,822 17,206 18,108 21,462 25,131 17.61%
Total assets 57,160 71,769 76,505 92,611 105,182 16.73%
Long term liabilities 50,471 63,591 67,446 80,540 92,554 16.63%
Term deposit balance 35,241 46,174 47,564 60,538 71,338 19.59%
Net current assets 2,778 5,924 5,031 6,580 5,111 13.77%

Operational Performance

Operational  Performance 2014 2015 2016 2017 2018 5 years CAGR (%)
Operational income 3,326 3,961 4,433 4,801 4,705 12.83%
Operational expenses 1,237 1,394 1,679 1,934 1,913 13.38%
Financial expenses 4,530 4,827 4,625 4,902 7,016 11.19%
Profit before tax 2,029 2,276 2,581 2,639 2,426 11.53%
Net profit after tax 1,154 1,244 1,496 1,582 1,591 14.42%

Financial Ratios

Financial Ratios 2014 2015 2016 2017 2018 Growth over 2017
Debt equity ratio (Times) 9.04 9.65 9.06 7.76 8.54 0.77
Average effective tax rate (%) 43.15 45.34 42.02 40.05 34.43 -5.62%
Financial expenses coverage ratio (Times) 1.45 1.47 1.56 1.54 1.35 (0.19)
Current ratio (Times) 1.13:1 1.22:1 1.17:1 1.18:1 1.12:1 (0.06)
Return on total assets (%) 2.18 1.93 2.02 1.87 1.61 (0.26)
Non performing loan ratio (%) 2.02 3.06 2.98 2.77 2.20 (0.57)
Return on shareholders’ equity (%) 22.37 20.01 20.87 17.41 14.73 (2.68)
Earnings per share* 3.56 3.84 4.62 4.26 4.22 (0.04)
Dividend per share  3.50 2.50 3.00 3.00 3.50 0.50
Dividend yield (%) 4.69 3.93 5.26 3.52 5.02 1.50
Dividend payout ratio (%) 76.27 50.52 75.59 71.50 82.96 11.47
Shareholders’ equity (BDT Million) 5,694 6,737 7,605 10,569 11,029 4.35%
Net interest income as a percentage (%) of working funds 6.78 6.44 6.14 5.77 5.13 (0.64)
Operating Profit as percentage (%) of working fund 4.97 5.18 4.79 4.35 3.65 (0.70)

 

*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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