THE CITY BANK LTD. BALANCE SHEET ANALYSIS (2006-2010

THE CITY BANK LTD.
BALANCE SHEET (2006-201
Property and Asset

Cash
In hand (including foreign currencies)
Balance with BB and its agent bank(s) (including foreign currencies)
Balance with other banks and financial institutions
In Bangladesh
Outside Bangladesh
Money at call and short notice
Investments
Government
Others
Loans and Advances/Investments
Loans, cash credits, overdrafts etc./ general investments
Bills purchased and discounted
Fixed assets including premises, furniture and fixtures
Other Assets
Non- banking assets
Total Assets
Liabilities and Capital
Liabilities
Borrowings from other banks, financial institutions and agents
Deposits and other accounts
Current deposits and other accounts
Bills payable
Savings bank deposits
Fixed deposits
Bearer certificate of deposits
Other Liabilities
Total Liabilities
Capital/Shareholder's equity
Paid up capital
Statutory Reserve
Other reserve
Surplus in profit and loss account / Retained earnings
Proposed dividend (stock)
Total Shareholders' equity
Total liabilities and Shareholders' equity
THE CITY BANK LTD.

ALANCE SHEET (2006-2010)
2006
2007
2008
2009
475,924,568
2,350,473,440
2,826,398,008
771,568,562
2,705,998,489
3,477,567,051
704,619,630
2,415,553,674
3,120,173,304
746,634,507
4,396,026,055
5,142,660,562
1,438,813,121
135,657,686
1,574,470,807
4,672,945,417
109,529,003
4,782,474,420
4,474,521,554
99,168,755
4,573,690,309
9,641,882,575
208,901,519
9,850,784,094
1,435,000,000
1,830,000,000
220,000,000
299,779,167
5,873,020,642
532,064,208
6,405,084,850
7,094,714,100
455,892,392
7,550,606,492
7,608,214,230
1,423,484,654
9,031,698,884
8,468,751,198
2,117,701,415
###
27,040,242,081
3,748,779,901
###
1,282,090,427
3,133,685,810
0
25,039,792,708
1,748,673,430
###
1,390,732,198
2,935,556,719
0
32,426,746,144
1,994,198,836
###
2,514,383,969
3,233,684,612
0
41,945,250,529
1,541,171,274
###
2,788,065,869
4,312,637,456
0
###
###
###
###
850,000,000
2,104,480,285
992,651,503
5,221,288,738
594,185,472
7,167,831,148
27,898,108,479
0
6,735,767,915
889,821,320
7,761,124,764
25,152,920,036
0
6,537,161,488
629,426,422
8,770,274,032
29,097,472,560
0
7,810,690,728
696,878,540
11,377,098,331
42,499,612,403
0
###
###
###
###
4,033,434,087
4,491,401,997
5,758,284,742
7,225,635,781
###
###
###
###
1,080,000,000
735,255,401
573,104,088
34,544,471
1,188,000,000
896,948,006
573,104,088
38,114,892
1,366,200,000
1,099,775,065
1,518,103,447
28,468,017
1,571,130,000
1,377,386,294
2,340,537,297
575,180,687
108,000,000
178,200,000
204,930,000
2,530,903,960
2,874,366,986
4,217,476,529
5,864,234,278
###
###
###
###
2010
1,468,826,333
4,689,637,981
6,158,464,314
2,400,939,650
221,689,766
2,622,629,416
99,579,166
8,976,868,762
3,497,093,964
12,473,962,726
55,891,892,910
4,434,652,174
60,326,545,084
3,206,205,668
6,010,665,598
0
90,898,051,972
2,808,272,142
15,398,511,465
656,360,770
15,045,952,603
36,318,976,892
0
67,419,801,730
9,151,052,310
79,379,126,182
3,888,547,200
1,977,234,036
2,291,116,401
1,437,393,453
1,924,634,700
11,518,925,790
90,898,051,972
THE CITY BANK LTD

PROFIT AND LOSS ACCOUNT (2006-2010
2006
3,772,069,319
Interest income / profit on investments
(2,567,271,785)
Interest / profit paid on deposits and borrowings, etc.
Net interest / net profit on investments 1,204,797,534
431,448,405
Investment income
Commission, exchange and brokerage
756,731,706
Other operating income
257,176,012
Total operating income (A) 2,650,153,657
771,990,634
Salaries and allowances
122,374,347
Rent, taxes, insurance, electricity, etc.
7,874,625
Legal expenses
Postage, stamp, telecommunication, etc.
28,625,396
Stationery, printing, advertisements, etc
40,616,762
4,235,000
Chief Executive's salaries and fees
853,400
Directors' fees
274,000
Auditors' fees
93,020,263
Depreciation and repair of Bank's assets
85,592,341
Other expenses
Total operating expenses (B) 1,155,456,768
Profit / (loss) before provision (C=A-B) 1,494,696,889
(841,674,976)
Provision for loans and advances / investments
Provision for Off-Balance Sheet exposures
Provision for gratuity
Provision for diminution in value of investments
Other provision
Total provision (D) (841,674,976)
Total profit / (loss) before taxes (C-D) 653,021,913
Income Tax
Previous years tax
Deferred tax
Current Tax
(413,000,000)
(413,000,000)
Net profit after taxation 240,021,913

Retained earnings brought forward from previous year
0
240,021,913
Number of ordinary shares outstanding

Earnings per Share
11,880,000
20.20
ITY BANK LTD

S ACCOUNT (2006-2010)
2007
2008
2009
2010
4,183,260,712
4,669,370,374
5,742,821,087
7,089,931,344
(3,235,362,655) (3,162,885,370) (3,671,989,101) (3,516,494,763)
947,898,057 1,506,485,004 2,070,831,986 3,573,436,581
860,400,285
1,171,667,761
1,325,037,780
2,140,001,878
532,246,444
493,021,105
717,020,599
1,139,637,577
231,647,934
339,093,067
254,989,978
447,994,360
2,572,192,720 3,510,266,937 4,367,880,343 7,301,070,396
877,594,990
1,029,038,516
1,194,956,965
1,649,083,246
141,269,481
164,711,221
219,124,158
327,023,801
9,882,321
11,084,368
10,244,829
12,945,518
25,868,331
22,988,304
20,587,524
42,222,376
52,143,307
90,353,731
186,672,739
273,763,962
5,370,000
10,380,000
11,304,000
13,320,400
892,000
700,000
536,000
937,000
729,375
469,750
365,750
906,500
115,733,404
169,153,557
263,055,610
352,798,408
86,832,367
256,466,897
205,397,136
527,830,476
1,316,315,576 1,755,346,344 2,112,244,711 3,200,831,687
1,255,877,144 1,754,920,593 2,255,635,632 4,100,238,709
(297,100,000)
(45,000,000)
(50,000,000)
(10,108,000)
(45,206,118)
(447,414,118)
(548,925,007)
(64,208,667)
(106,544,372)
(21,107,250)
(740,785,296)
808,463,026
1,014,135,297 1,388,056,141 2,999,238,709
(465,000,000)
(290,000,000)
(50,000,000)
(125,000,000)
(616,025,113)
23,974,887
(640,000,000)
(610,428,283)
(202,151,208)
(55,000,000)
(867,579,491)
(569,336,541)
-
(542,300,000)
(100,000,000)
(175,000,000)
(41,600,000)
(242,100,000)
###
(1,150,000,000)
-
343,463,026
34,544,471
378,007,497
398,110,184
38,114,892
436,225,076
818,719,600
28,468,017
847,187,617
1,849,238,709
182,398,187
2,031,636,896
11,880,000
28.91
13,662,000
29.14
29,929,474
27.35
31,156,323
59.35
THE CITY BANK

CASH FLOW STATEMENT
A) Cash flows from operating activities

Interest receipts in cash
Interest payments
Dividend receipts
Fees and commission receipts in cash
Recoveries of loans previously written off
Cash payments to employees
Cash payments to suppliers
Income taxes paid
Receipts from other operating activities
Payments for other operating activities
Cash generated from operating activities before changes in
operating assets and liabilities
Increase / (decrease) in operating assets and liabilities
Statutory deposits
Purchase of trading securities (Treasury bills)
Loans and advances to other banks
Loans and advances to customers
Other assets
Deposits from other banks / borrowings
Deposits from customers
Other liabilities account of customers
Trading liabilities
Other liabilities
Net cash from operating activities
B) Cash flows from investing activities
Debentures
Proceeds from sale of securities
Payments for purchases of securities
Purchase / sale of property, plant and equipment
Payment against lease obligation
Proceeds from sale of property, plant and equipment
Net cash used in investing activities
C) Cash flows from financing activities
Receipts from issue of ordinary shares

Dividend paid
Net Cash from financing activities
D) Net increase / (decrease) in cash and cash equivalents (A+ B +
C)
E) Effects of exchange rate changes on cash and cash equivalent
F) Cash and cash equivalents at beginning of the year
G) Cash and cash equivalents at end of the year (D+E+F)
Cash and cash equivalents at end of the year
Cash in hand (including foreign currencies)
Balance with Bangladesh Bank and its agent bank (s) (including foreign
currencies)
Government securities
THE CITY BANK LTD

SH FLOW STATEMENT (2006-2010)
2006
2007
2008
2009
3,669,260,800
(2,224,779,585)
13,508,142
360,283,167
18,099,288
(776,225,634)
(25,583,203)
(735,110,965)
675,116,275
(298,215,322)
4,060,027,793
(3,089,944,490)
9,152,956
273,225,031
18,415,068
(882,964,990)
(22,502,530)
(610,287,020)
1,082,895,263
(332,231,710)
4,619,673,327
(2,954,545,527)
83,873,488
277,626,238
41,920,636
(1,039,418,516)
(28,947,814)
(272,526,888)
1,426,887,340
(585,442,997)
5,761,654,757
(3,421,229,319)
111,914,912
503,447,420
11,147,320
(1,206,260,965)
(47,247,010)
(575,645,186)
1,468,112,846
(720,183,186)
676,352,963
505,785,371
1,569,099,287
1,885,711,589
(7,462,683,432) 4,000,555,844
(1,022,490,397)
912,363,334
260,451,488
659,173,232
9,817,045,160
(150,953,034)
(103,262,308)
(598,993,745)
1,489,060,511
4,822,145,631
2,165,413,474 5,327,931,002
0
0
(85,855,162)
(240,137,363)
0
0
(325,992,525)
(7,632,478,842) (9,065,476,823)
24,096,042
(575,995,727)
1,490,106,015
(91,755,780)
4,259,074,737
16,227,141,760
(340,188,143)
(117,491,357)
(2,199,390,191) 6,376,422,073
(630,290,904) 8,262,133,662
0
0
0
76,171,816
(967,592,262)
0
0
0
(651,612,362)
(187,258,117)
(397,690,538)
(138,553,550)
0
0
0
0
0
0
(111,086,301) (1,365,282,800) (790,165,912)
0
0
0
1,839,420,949
0
0
0
0
0
0
0
0
0
5,216,844,701 (1,995,573,704) 7,471,967,750
396,448,539
9,473,019,969
###
259,021,413
11,708,889,457
###
215,394,867
17,184,755,571
###
213,573,179
15,404,576,734
###
475,924,568
771,568,562
704,619,630
746,634,507
2,350,473,440
2,705,998,489
2,415,553,674
4,396,026,055
1,574,470,807
1,435,000,000
5,873,020,642
###
4,782,474,420
1,830,000,000
7,094,714,100
###
4,573,690,309
220,000,000
7,490,713,121
###
9,850,784,094
299,779,167
7,523,211,940
###
2010
6,991,303,007
(3,369,704,276)
95,461,886
846,673,866
22,905,642
(1,566,403,647)
(74,962,181)
(608,718,100)
2,492,534,352
(1,237,213,568)
3,591,876,981
(16,840,123,281)
(1,538,689,335)
243,164,505
6,607,977,863
(43,271,970)
(11,570,942,218)
(7,979,065,237)
0
0
(1,379,392,549)
(644,392,091)
0
0
(2,023,784,640)
3,849,269,400
0
3,849,269,400
(6,153,580,477)
292,963,711
22,816,435,763
16,955,818,997
1,468,826,333
4,689,637,981
2,622,629,416
99,579,166
8,075,146,101
16,955,818,997
Summary Table
Net Profit
Interest Income (Revenue)
Net Worth
Total Asset
Non Interest Expense
EBIT (Operating Cash Flow)
Current Asset
Current Liabilities
Total Liabilities
Cash
Marketable Securities
Long Term Debt
Interest Expense
Cash Flow from Operations
Cash Dividend Paid
Cash Payments for Interest
Income Tax Paid
2006
2007
2008
240,021,913
3,772,069,319
2,530,903,960
47,445,751,884
1,155,456,768
1,494,696,889
42,497,911,439
9,848,908,297
44,914,847,924
2,826,398,008
6,405,084,850
35,065,939,627
2,224,779,585
2,165,413,474
0
2,224,779,585
735,110,965
343,463,026
4,183,260,712
2,874,366,986
48,755,403,018
1,316,315,576
1,255,877,144
43,973,221,709
12,966,991,232
45,881,036,032
3,477,567,051
7,550,606,492
32,914,044,800
3,089,944,490
5,327,931,002
0
3,089,944,490
610,287,020
398,110,184
4,669,370,374
4,217,476,529
57,114,576,058
1,755,346,344
1,754,920,593
49,943,022,823
15,029,352,937
52,897,099,529
3,120,173,304
9,031,698,884
37,867,746,592
2,954,545,527
(630,290,904)
0
2,954,545,527
272,526,888
2009
2010
818,719,600
5,742,821,087
5,864,234,278
76,466,801,564
2,112,244,711
2,255,635,632
67,248,396,824
16,725,856,552
70,602,567,286
5,142,660,562
10,586,452,613
53,876,710,734
3,421,229,319
8,262,133,662
0
3,421,229,319
575,645,186
1,849,238,709
7,089,931,344
11,518,925,790
90,898,051,972
3,200,831,687
4,100,238,709
78,184,086,742
28,014,196,687
79,379,126,182
6,158,464,314
12,473,962,726
51,364,929,495
3,369,704,276
(7,979,065,237)
0
3,369,704,276
608,718,100
RATIO ANALYSIS
Profitability Ratios
Profit Margin = (Net Profit / Interest Income)
ROE = (Net Profit / Net Worth)
ROA = (Net Profit / Total Asset)
Efficiency Ratio = (Non-Interest Expense / Revenue)
Basic Earnings Power Ratio = EBIT / Total Asset
Liquidity Ratio
Current Ratio = Current Asset / Current Liabilities
Debt Income Ratio = total debt / net income
Cash Ratio = (Cash and Marketable Securities) / Current Liabilities)
Operation Cash Flow = Operating Cash Flows / Total Debt
Current Liabilities to Net Worth
Leverage Ratios
Debt to Assets = Total Debt / Total Asset
Debt to Equity = Total Debt / Total Equity
Long Term Debt to Equity = LT Debt / Total Equity
Interest Coverage = Earnings Before Interest and Taxes / Interest Expense
Capitalization Ratio = Long-term Debt / (Long-term debt + Shareholder equity)
Cash Flow Ratios
Current Liability Coverage = (CFO - Cash Dividend Paid) / Current Liabilites
Long Term Debt Coverage = (CFO - Cash Dividend Paid) / Long Term Liabilites
Interest Coverage = (CFO + Cash Payments for Interest and Income Taxes) / Cash
Payments for Interest
Asset Efficiency Ratio = CFO / Total Assets
Operating Cash Margin = CFO / Interst Income
IS
2006
2007
2008
2009
2010
0.064
0.095
0.005
0.306
0.032
0.082
0.119
0.007
0.315
0.026
0.085
0.094
0.007
0.376
0.031
0.143
0.140
0.011
0.368
0.029
0.261
0.161
0.020
0.451
0.045
4.315
187.13
0.937
0.033
3.891
3.391
133.58
0.850
0.027
4.511
3.323
132.87
0.809
0.033
3.564
4.021
86.24
0.940
0.032
2.852
2.791
42.93
0.665
0.052
2.432
0.947
17.747
13.855
0.672
0.933
0.941
15.962
11.451
0.406
0.920
0.926
12.542
8.979
0.594
0.900
0.923
12.040
9.187
0.659
0.902
0.873
6.891
4.459
1.217
0.817
0.220
0.062
0.411
0.162
(0.042)
(0.017)
0.494
0.153
(0.285)
(0.155)
2.304
2.922
0.879
3.583
(1.187)
0.046
0.574
0.109
1.274
(0.011)
(0.135)
0.108
1.439
(0.088)
(1.125)
Profit Margin
ROE
ROA
Efficiency Ratio
Basic Earnings Power Ratio
Current Ratio
Debt Income Ratio
Cash Ratio
Operation Cash Flow
Debt to Assets
Debt to Equity
Long Term Debt to Equity
Interest Coverage
Capitalization Ratio
Current Liability Coverage
Long Term Debt Coverage
Interest Coverage
Asset Efficiency Ratio
Operating Cash Margin
Balance sheet (2007-2010)

Cash
In hand (including foreign currencies)
Balance with Bangladesh Bank and its agent bank(including foreign currencies)
In Bangladesh
Outside Bangladesh
Money at call and on short notice
Investments:
Others
Loans and advances:
Loans,cash credits, overdrafts,etc.
Fixed assets including premises,furniture and fixtures

Other assets
Non-banking assets
Total assets
Borrowings from Other Banks, Financial Institutions and Agents
Borrowings from Central Bank, Convertible Bonds, Money at Call and Short Notice
Deposits and other accounts:
Current deposits and other accounts
Bills payable
Savings bank deposits
Fixed deposits
Bearer certificate of deposits
Other deposits
Other liabilities
Total liabilities
Paid up capital
Redeemable preference share capital
Share premium
Statutory reserve
Revaluation reserve
Exchange equalisation reserve

Retained earnings
Total shareholder's equity
Total liabilities and shareholder's equity

Cash (including foreign currencies)
In hand
Balance with Bangladesh bank and its agent banks
Balance with other Bank and financial institutions
In Bangladesh
Outside Bangladesh
Money at call and on short notice
Investments
Others
Loans ans Advances
Loans, cash credites, overdrafts etc
Fixed assets including premises, furniture and fixtures
Other assets
Non banking assets
Total assets
Borrowing from other bank, financial institution and agents

Diposites and other accounts
Saving banks diposites
Fixed diposites
Current diposites and other accounts
Bills payables
Other liabilities
Total liabilities
Shareholder's Equity
Paid up capital
Statutory capital
Others reserve
Retained earnings
Total Shareholders Equity
Total Liabilities and Shareholders Equity

Cash
in hand(including foreign currencies)
balance with bangladesh bank and its agent bank(including foreign currencies)
Balance with other banks and financial institution
in bangladesh
outside bangladesh
Investment
Government
Others
Loans,advances and lease/investment
Loans, cash credits and overdrafts, etc/investment
Fixed assets including premises, furnitures and fixtures
Other assets
Non-banking assets
Total Asset
Borrowings fropm other banks,fianacial institution and agents
Deposits and other accounts
Current/Al-wadeeah current deposit
Bills payable
Savings bank/mudarabah savings deposit
Term deposit/mudarabah term deposit
Bearer certificate of deposit
Other deposits
Other liaibilities
Total liabilities
Paid up capital
Share premium
Statutory reserve
Reevaluation gain/loss on investment
Reevaluation reserve
Other reserve
Surplus in profit and loss account/retained earnings
Total shareholder equity
Total liabilities and shareholder equity
eet (2007-2010)
2007
2008
2009
2010
511,730,011
908,567,282
1,637,216,214
3,578,533,880
2,602,841,460
3,407,320,718
4,981,785,516
6,274,441,763
3,114,571,471
4,315,888,000
6,619,001,730
9,852,975,643
2,894,113,161
2,925,484,028
5,371,854,209
2,781,347,491
170,449,420
269,487,085
222,079,664
850,638,516
3,064,562,581
3,194,971,113
5,593,933,873
3,631,986,007
100,000,000
1,300,000,000
4,893,785,452
7,880,195,243
10,257,680,797
9,667,938,634
103,071,265
365,178,030
117,660,328
3,188,046,627
4,996,856,717
8,245,373,273
10,375,341,125
12,855,985,261
32,446,123,378
14,978,802
52,665,236,558
11,480,182
64,084,358,403
66,476,756
84,058,704,943
244,084,374
32,461,102,180
52,676,716,740
64,150,835,159
84,302,789,317
942,929,286
1,472,024,279
1,637,898,063
1,748,905,507
1,702,573,183
2,536,919,986
5,450,212,296
6,757,446,230
46,382,595,418
72,441,893,391
95,127,222,246
119,150,087,965
2,240,000,000
2,280,000,000
2,450,000,000
3,700,000,000
5,378,605,004
5,543,600,799
7,652,002,774
24,549,608,278
30,262,113,123
409,015,536
424,455,762
453,829,731
1,021,461,002
3,985,564,159
4,627,686,658
13,043,725,795
21,124,822,404
27,307,976,283
43,399,790,445
36,731,258,306
35,488,954,124
122,250,997
1,902,951,371
441,193,045
260,557,678
37,368,407,774
3,702,158,970
58,006,887,010
6,717,480,730
75,219,615,155
9,306,652,678
88,157,908,331
12,501,689,071
43,310,566,744
67,004,367,740
86,976,267,833
109,738,202,406
1,200,000,000
1,584,000,000
2,059,200,000
2,676,960,000
500,000,000
500,000,000
500,000,000
500,000,000
350,000,000
1,406,000,000
1,406,000,000
1,406,000,000
504,071,923
908,762,089
1,337,479,877
1,920,598,872
118,846,147
1,576,498,469
1,220,932,131
45,000
45,000
45,000
517,911,751
919,872,415
1,271,731,067
1,687,394,554
3,072,028,674
5,437,525,651
8,150,954,413
9,411,885,556
46,382,595,418
72,441,893,391
95,127,222,246
119,150,087,964
2007
2008
2009
2010
292,906,840
1,661,937,570
320,939,821
2,699,389,111
384,326,638
3,218,789,171
489,589,724
3,216,814,215
1,954,844,410
3,020,328,932
3,603,115,809
3,706,403,939
872,029,333
340,285,771
1,212,315,104
75,449,507
54,249,257
129,698,764
619,161,710
133,536,441
752,698,151
2,422,221,743
916,685,644
3,338,907,387
1,565,000,000
230,000,000
920,000,000
2,140,000,000
3,461,453,071
4,107,027,286
5,872,651,285
7,289,197,004
2,000,000
185,119,000
640,361,462
2,905,803,421
3,463,453,071
4,292,146,286
6,513,012,747
10,195,000,425
23,024,692,049
612,917,370
23,637,609,419
219,791,580
29,279,443,146
1,040,084,166
30,319,527,312
298,846,419
32,410,471,401
1,254,115,864
33,664,587,265
529,550,014
39,668,360,746
5,270,981,296
44,939,342,042
652,524,875
520,172,973
432,943,764
1,360,271,858
1,786,941,660
32,573,186,557
38,723,491,477
47,343,235,844
66,759,120,328
eet (2007-2010)
92,481,500
104,100,166
1,930,995,165
2,388,876,025
1,744,090,405
2,065,441,781
3,086,993,046
3,023,987,904
18,184,279,181
6,657,094,870
529,001,150
22,046,738,811
7,478,926,349
468,510,724
24,866,054,323
8,908,456,271
520,452,519
38,384,242,957
11,500,469,530
1,069,102,375
27,114,465,606
32,059,617,665
37,381,956,159
53,977,802,766
2,900,878,241
3,443,666,968
3,392,240,363
4,129,831,302
30,107,825,347
35,607,384,799
42,705,191,687
60,496,510,093
1,689,994,712
649,792,084
1,689,994,712
870,219,371
2,242,284,912
1,148,592,394
433,619,919
2,914,970,312
1,651,254,947
300,673,331
125,574,414
555,892,595
813,546,932
1,395,711,645
2,465,361,210
3,116,106,678
4,638,044,157
6,262,610,235
32,573,186,557
38,723,491,477
47,343,235,844
66,759,120,328
2007
2008
2009
2010
5,418,817,061
7,197,661,456
10,250,181,147
9,576,807,853
663,028,189
750,107,609
922,721,774
1,267,659,482
4,755,788,872
6,447,553,847
9,327,459,373
8,309,148,371
2,417,468,479
2,002,071,147
718,922,919
1,035,882,621
1,625,581,391
420,777,975
351,824,646
416,957,643
791,887,088
1,581,293,172
367,098,273
618,924,978
12,698,020,628
23,103,098,245
19,933,929,578
20,484,287,862
12,090,285,095
20,807,924,500
19,017,337,618
19,368,115,114
eet (2007-2010)
607,735,533
2,295,173,745
916,591,960
1,116,172,748
57,683,021,512
75,156,206,817
89,252,222,489
111,167,388,892
53,814,967,656
3,868,053,856
70,574,812,562
4,581,394,255
84,766,516,739
4,485,705,750
104,191,063,179
6,976,325,713
660,490,066
1,374,826,295
1,572,618,882
1,691,643,703
710,613,052
1,603,239,351
3,078,508,831
8,840,934,896
79,588,430,798
110,437,103,311
124,806,383,846
152,796,945,827
390,869,490
11,397,859,931
86,546,077
3,868,678,036
70,512,374,925
88,020,591,386
106,956,270,481
124,518,628,582
10,590,463,357
11,868,543,906
15,811,376,614
21,582,196,478
1,144,540,968
1,239,622,153
1,606,929,647
2,437,755,219
6,027,260,878
6,797,681,897
12,111,585,771
15,302,405,243
52,750,109,722
68,114,743,430
77,426,378,449
85,196,271,642
3,411,909,021
4,321,881,216
6,018,344,071
7,641,117,954
74,315,153,436
103,740,332,533
113,061,160,629
136,028,424,572
2,275,000,000
2,843,750,000
3,554,687,500
5,776,367,100
2,241,230,396
1,873,543,597
2,366,214,496
3,284,058,294
4,391,633,607
12,723,913
180,281,588
2,437,039,424
1,416,425,850
251,603,566
251,603,566
251,603,566
1,112,009,852
1,054,921,127
2,217,834,432
2,691,260,736
5,273,277,362
6,696,770,777
11,745,223,216
16,768,521,255
79,588,430,798
110,437,103,310
124,806,383,845
152,796,945,827
BRAC BANK LTD

Profit and Loss Account (2007-2010)
2007
Interest income
4,633,346,578
Interest paid on deposits,borrowings, etc.

Net interest income
(2,571,236,238)
2,062,110,340
Income from investment
693,142,387
Commission,exchange and brokerage
771,783,604
Other operating income

Total operating income
16,113,551
3,543,149,882
Salaries and allowance
789,774,456
Rent,taxes,insurance.electricity etc.
109,452,384
Legal expenses
4,753,874
Postage,stamps,telecommunication,etc.
Stationery,printing.advertisement etc.
Managing Director&CEO's salary and fees
99,026,739
134,980,937
8,332,800
Directors' fees and expenses
399,144
Auditors' fees
622,500
Depreciation on and repairs to bank's assets
178,180,999
Other expenses
272,133,522
Total operating expenses
1,597,657,355
Profit before provisions
1,945,492,527
Provisions for:
668,649,664
Loans and advances

Diminution in value of investments
Off balance sheet items
12,500,000
7,225
Others
Total provisions
681,156,889
Profit before tax
1,264,335,638
Provision for tax:

Current
Deferred
766,000,000
(120,000,000)
646,000,000
Profit after tax
618,335,638
Appropriations:
Statutory reserve
252,867,127
General reserve
Dividend etc.
252,867,127
365,468,511
Retained earnings
Basic earnings per share
42.30
THE PREMIER BANK LTD

2007
Operating Income
Interest income
Interest paid on deposites, borrowings etc
3,180,721,570
(2,529,873,769)
Net Interest Income
650,847,801
Investment income
Other income
368,544,630
Total Operating Income (A)
480,045,965
157,019,728
1,005,610,323
1,656,458,124
Operating Expenses
Salary and allowances
349,760,664
Rent, taxes, insurances, electricity etc
101,758,448
Legal expences
Postal, stamps, telecommunication etc
Printing, stationary, advertisement etc
Chief executive's salary and fees
Directores fees
3,420,887
Auditors fees
22,475,965
68,453,841
4,480,000
580,000
145,900
Loan written off (Annexure-E)

Depriciation and repair of Bank's assets
35,806,006
Other expences
71,468,742
Total Operating Expences (B)
658,350,453
Profit before provision (C = A-B)
998,107,671
Provision against loans and advances
398,960,000
Provision for diminution in value of investments

Provision for off-balance sheet items
Other provisions
Total Provisions (D)
59,373,294
9,619,698
467,952,992
Profit before taxation ( C-D )
530,154,679
Provision for taxation

Current tax
448,221,900
Deferred tax
3,176,552
451,398,452
Profit after taxation

Retained earning brought forward
78,756,227
237,349,093
Profit available for approprition
316,105,320
Appropritations
Statutory reserve
Cash dividend
Retained earnings carried forward
Earnings per share (EPS)
106,030,936
84,499,970
190,530,906
125,574,414
4.66
THE PRIME BANK LTD

2007
Interest Income/Profit on investment
Interest/Profit paid on deposit and borrowing
7,170,099,616
(5,266,592,564)
Net Interest/Net Profit on Investment
1,903,507,052
Investment Income
1,294,205,056
1,198,942,404
Other Operating Income
419,555,862
Total Operating Income
4,816,210,374
Salary and Allowances
(725,285,435)
Rent, Taxes, Insurance and electricity
(159,529,399)
Legal Expenses
(24,728,362)
Postage, Stamps, telecommunication etc.
(60,999,650)
Stationery, Printing, advertisement etc
(121,691,050)
Managing Director's salary and fees

Director's fees
Auditors fees
Charges on loan losses
Depriciation and repairs of bank's asset
(9,131,448)
(2,224,444)
(791,725)
0
(102,185,026)
Other Expense
(352,779,110)
Total Operating Expense
(1,559,345,649)
Profit/loss before provision
3,256,864,725
Provision for loans and advances/investment
(910,000,000)
Specific Provision
(350,000,000)
General Provision
(350,000,000)
Provision for off shore banking unit

Provision for off balance sheet exposure
Provision for Diminution in value of investment
0
(210,000,000)
0
0
Other Provision
Total Provision
(910,000,000)
Profit before Taxation
2,346,864,725
Provision for taxation
(946,200,000)
Current Tax
(1,015,000,000)
Deffered Tax
68,800,000
Net Profit after Taxation

Retained earnings brought forward from previous year
Total net profit after taxation
1,400,664,725
180,718,073
1,581,382,798
Appropriation
469,372,945
Statutory Reserve
469,372,945
General Reserve
Retained Surplus
Earnings Per share
1,112,009,853
48.88
22,750,000
K LTD
ss Account (2007-2010)
2008
2009
2010
8,021,101,674
9,475,836,900
10,841,370,974
(4,865,091,805)
(6,073,232,757)
(5,777,663,177)
3,156,009,869
3,402,604,143
5,063,707,797
909,126,833
1,619,635,992
2,145,070,708
1,951,193,720
2,164,389,982
2,125,645,901
19,853,415
77,532,020
205,509,857
6,036,183,837
7,264,162,137
9,539,934,262
1,422,467,134
1,578,903,350
1,996,606,346
201,185,595
322,985,187
522,526,674
6,659,649
17,222,190
27,768,436
153,973,003
168,373,346
179,428,563
212,445,802
21,606,094
277,149,853
8,296,400
307,601,427
7,687,500
729,715
455,400
525,350
753,125
780,000
628,200
320,428,159
448,011,862
588,552,990
522,029,311
724,395,610
939,983,756
2,862,277,587
3,546,573,198
4,571,309,242
3,173,906,250
3,717,588,939
4,968,625,020
1,138,548,420
1,537,000,000
1,827,695,989
56,741,049
11,907,000
37,000,000
168,593,000
1,150,455,420
1,574,000,000
2,053,030,038
2,023,450,830
2,143,588,939
2,915,594,982
1,220,000,000
(170,000,000)
1,140,000,000
(300,000,000)
1,416,240,000
(165,000,000)
1,050,000,000
840,000,000
1,251,240,000
973,450,830
1,303,588,939
1,664,354,982
404,690,166
428,717,788
583,118,995
404,690,166
568,760,664
428,717,788
874,871,151
583,118,995
1,081,235,987
62.30
60.39
46.91
2008
2009
2010
3,837,254,457
(2,906,739,580)
4,243,638,170
(3,309,515,842)
4,950,670,894
(3,460,411,259)
930,514,877
934,122,328
1,490,259,635
372,921,619
584,842,003
1,826,345,437
608,048,088
251,816,108
1,232,785,815
580,970,620
353,469,671
1,519,282,294
709,515,239
735,825,602
3,271,686,278
2,163,300,692
2,453,404,622
4,761,945,913
390,393,234
499,306,799
607,236,741
123,970,767
232,507,172
469,981,685
4,153,564
3,194,763
2,082,979
23,407,343
95,035,040
5,981,161
678,800
26,034,126
104,247,756
7,275,798
1,812,000
28,545,969
213,779,228
5,787,095
2,810,000
295,900
158,360
244,144
141,627,964
48,411,718
256,238,731
47,956,049
54,815,776
83,865,235
56,865,383
83,775,240
245,895,336
890,365,205
1,061,539,508
1,916,467,143
BANK LTD
1,272,935,487
1,391,865,114
2,845,478,770
(48,760,000)
(314,926,163)
261,600,000
21,239,206
81,396,416
82,782,966
10,846,084
44,869,050
5,691,836
(287,995,121)
2,500,000
(13,330,410)
332,166,006
1,228,066,437
1,679,860,235
2,513,312,764
575,179,031
580,006,015
753,800,498
2,141,938
11,536,660
1,999,600
577,320,969
591,542,675
755,800,098
650,745,468
125,574,414
1,088,317,560
555,892,595
1,757,512,666
813,546,932
776,319,882
1,644,210,155
2,571,059,598
220,427,287
220,427,287
555,892,595
278,373,023
552,290,200
830,663,223
813,546,932
502,662,553
672,685,400
1,175,347,953
1,395,711,645
38.51
3.73
6.03
2009
2010
9,095,891,683
10,856,416,291
12,023,158,687
(7,126,309,515)
(8,426,118,565)
(7,789,506,602)
1,969,582,168
2,430,297,726
4,233,652,085
1,743,677,466
3,372,478,627
2,631,672,904
1,436,986,251
1,749,198,061
2,241,330,818
627,564,412
643,632,274
574,150,521
5,777,810,297
8,195,606,688
9,680,806,328
(899,204,898)
(1,257,931,940)
(1,676,952,818)
(203,265,914)
(282,492,748)
(311,383,242)
(14,164,497)
(26,258,442)
(19,514,057)
ANK LTD
2008
(78,712,209)
(94,757,714)
(123,022,000)
(95,990,087)
(256,259,139)
(223,095,742)
(7,914,344)
(8,830,000)
(8,980,000)
(2,385,044)
(418,000)
0
(151,233,852)
(3,153,420)
(940,500)
0
(187,699,388)
(4,655,876)
(575,000)
0
(218,881,885)
(477,666,956)
(788,564,408)
(1,015,869,141)
(1,930,955,801)
(2,906,887,699)
(3,602,929,761)
3,846,854,496
5,288,718,989
6,077,876,567
(1,383,500,000)
(624,000,000)
(540,000,000)
(1,115,000,000)
(234,242,000)
(120,000,000)
(145,000,000)
(262,758,000)
(120,000,000)
(5,500,000)
(15,000,000)
(30,000,000)
(118,000,000)
(112,000,000)
(270,000,000)
(1,500,000)
(74,000,000)
(1,383,500,000)
(699,500,000)
(540,000,000)
2,463,354,496
4,589,218,989
5,537,876,567
(1,231,522,322)
(1,805,000,000)
(2,535,000,000)
(1,012,449,724)
(1,735,000,000)
(2,285,000,000)
(219,072,598)
(70,000,000)
(250,000,000)
1,231,832,174
2,784,218,989
3,002,876,567
315,759,852
351,459,241
795,959,482
1,547,592,026
3,135,678,230
3,798,836,049
492,670,899
917,843,798
1,107,575,313
492,670,899
917,843,798
1,107,575,313
1,054,921,127
2,217,834,432
2,691,260,736
37.10
62.39
51.00
28,437,500
35,546,875
52,774,028
Cash flow statement (2006-2010)
A. Cash flows from operating activities

Interest receipts
Interest payment
Dividends receipts
Fees & commissions receipts
Cash payments to employees
Cash payments to suppliers
Income tax paid
Payment for other operating activities
Rent, taxes, rates etc
Audit Fees
Directors fees and expenses
Repair and Maintenance
Other expenses
Legal Expenses
Operating Profit/Loss) before changes in operating assets and liabilities (I)
Increase/decrease in operating assets & liabilities
Loans and advances
Other assets
Deposits from customers
Other liabilities
Cash utilised in operating assets & liabilities (II)
Net cash (used)/f lows from operating activities (I + II)
B. Cash flows from investing activities
Treasury bills
Treasury bonds
SaIe/(Investment) in shares
Investment in debenture
Investment in bonds
Investment in zero coupon bonds
Investment in prize bond
Acquisition of Fixed assets
Disposal of Fixed assets
C. Cash flows from financing activities
Proceeds from issue of ordinary shares

Proceeds from issue of preference shares
Proceeds from issue of right shares
Share Premium
Payment of dividend on preference share
Payment for lease finance
Borrowings from other banks
Proceeds from issue of Subordinate Debts
Borrowings from Bangladesh Bank
Net cash flows from financing activities
D. Net increase/decrease in cash (A+B+C)
E. Cash and cash equivalents at beginning of year
F. Cash and cash equivalents at end of year (D+E)

Cash flow from operating activities
Interest received
Interest paid
Fee and comission received
Payments to employees
Payments to suppliers
Income tax paid
Operating profit before changes in operating assets and liabilities
Increase/ decrease in operating assets and liabilities
Loans and advances to customers
Other assets
Deposites from other bank
Deposites from customers
Other liabilities
Net cash from operating activities (A)
Cash flows from investing activities
Purchase/Sales of trading securities, shares, bonds etc
Purchase from property, plant and equipment
Net cash used in investing activities (B)

Cash flows from financing activities
Dividend paid
Issue of shares
Net cash from financing activities ( C )
Net increase in cash ( A+B+C )
Effects of exchange rate changes on cash and cash equivalents
Cash and cash equivalents at beginning of the year
Cash and cash equivalents at end of the year ( * )
( * ) Cash and cash equivalents at end of the year:
Cash in hand ( including foreign currencies )
Investment in government securities
Money at call on short notice
Balance with Bangladesh bank and its agent banks

A) Cash flow from operating activities
Interest receipt in cash
Interest payment
Dividend receipt
Fees and commission receipt in cash
Recoveries of loan previously written off
Cash payment to employees
Cash payment to suppliers
Income taxes paid
Receipt from other operating activities
Cash generated in operating activities before changes in operating asset and liabilities
Increase/decrease in operating asset or liablities

Statutory deposit
Purchase of trading securities
loans and advances to other banks
loans and advances to other customers
Other assets
Deposits from other banks/borrowings
Deposit from customers
Other liabilities account of customer
Trading liabilities
Other liabilities
Net cash from operating activities
B) Cash flows from investing activities
Debentures
Proceed from sale of securities
Payment for purchase of securities
Purchase for property, plant and equipment
Payment against lease obligation
Proceed from sale of property, plant and equipment
c) Cash flows from financing activities
Receipt from issue of sub-ordinated bond
Receipt from issue of ordinary share including premium net off tax
Dividend paid
Net cash from financing activities
D)Net increase or decrease in cash/ cash equivalent

E) Effect of exchange rate changes on cash and cash equivalent
F) Cash and cash equivalent at begining of the year
G) Cash and cash equivalent at end of the year
w statement (2006-2010)
2007
2008
2009
2010
4,922,951,545
8,752,901,827
10,893,416,729
12,229,073,347
(2,252,942,906)
(4,308,796,588)
(6,330,714,215)
(5,556,755,540)
5,087,381
6,400,000
4,400,027
28,705,742
774,387,965
1,951,193,720
2,164,389,981
2,125,645,901
(776,229,023)
(1,320,858,916)
(1,674,087,461)
(1,961,592,237)
(235,006,534)
(359,009,559)
(373,772,061)
(543,547,558)
(355,091,639)
(809,274,043)
(1,160,612,152)
(1,198,296,223)
16,113,551
19,853,415
97,576,284
1,066,982,122
(109,981,947)
(189,517,796)
(301,344,842)
(524,491,305)
(485,877)
(600,000)
(144,500)
(1,169,325)
(399,144)
(45,850,259)
(729,715)
(71,153,641)
(455,400)
(128,934,282)
(525,350)
(181,254,808)
(260,598,121)
(418,567,440)
(498,706,395)
(876,175,091)
(4,753,874)
(9,692,560)
(17,386,626)
(23,926,090)
1,677,201,118
3,242,148,704
2,673,625,087
4,582,673,585
(12,903,936,800)
(20,215,614,560)
(11,474,118,419)
(20,151,954,158)
98,137,075
(239,704,724)
(529,524,961)
(754,359,044)
14,366,486,085
20,638,479,236
17,212,728,146
12,938,293,176
(1,378,579,293)
294,581,854
(233,247,313)
128,627,512
182,107,067
477,741,806
4,975,837,453
(7,839,392,514)
1,859,308,185
3,719,890,510
7,649,462,540
(3,256,718,929)
494,284,989
848,242,240
(1,833,497,304)
(3,617,744,127)
(919,615,233)
234,489,326
(50,000,000)
(650,023,622)
(2,570,386,299)
100,000,000
0
0
(270,000,000)
0
300,000,000
0
(500,000,000)
59,942,969
7,893,235
678,030
424,700
(824,000)
(218,000)
(313,500)
(685,128,143)
(765,393,785)
(508,136,180)
(525,804,790)
490,000
946,357
7,741,456
9,967,732
(1,913,482,789)
(3,796,880,080)
(1,769,573,549)
(3,352,047,531)
350,000,000
264,000,000
1,056,000,000
(13,500,000)
(17,805,446)
1,340,000,000
0
0
(46,800,000)
(4,485,369)
40,000,000
0
0
(47,812,500)
0
170,000,000
0
0
(47,812,500)
0
1,250,000,000
3,000,000,000
550,000,000
(432,974,167)
1,828,605,004
1,225,720,387
1,308,714,631
122,187,500
6,580,792,504
1,171,545,783
5,107,588,269
1,231,725,061
6,279,134,052
6,002,076,491
7,510,859,113
(27,973,956)
13,512,935,604
6,279,134,052
7,510,859,113
13,512,935,604
13,484,961,648
2008
2009
2010
3,549,266,200
(2,529,873,769)
4,210,176,076
(2,906,739,580)
4,828,480,173
(3,309,515,842)
6,777,016,331
(3,460,411,259)
232,958,162
302,553,517
296,637,923
373,167,379
(349,240,664)
(386,374,395)
(466,582,596)
(563,023,836)
(75,074,170)
(301,567,453)
157,019,728
(106,743,474)
(525,436,402)
251,816,108
(114,964,531)
(598,981,826)
353,469,671
(232,571,910)
(559,169,124)
735,825,602
(201,766,140)
(355,997,121)
(399,522,879)
(1,011,276,404)
481,721,894
483,254,729
589,020,093
2,059,556,779
(2,959,929,239)
(6,681,917,893)
(3,345,059,953)
(11,274,754,777)
32,937,591
87,229,209
(927,328,094)
(426,669,802)
(154,624,500)
3,095,455,678
1,001,790,397
1,015,629,927
(158,381,334)
5,115,152,059
441,032,510
(1,196,885,449)
1,826,894,999
5,322,338,494
207,637,166
3,084,482,612
457,880,860
16,595,846,607
164,271,519
5,516,574,407
1,497,351,821
(713,630,720)
3,673,502,705
7,576,131,186
(183,119,000)
(455,242,462)
(2,265,441,959)
(85,050,920)
(115,302,454)
(274,802,596)
(188,047,414)
2007
(85,050,920)
(298,421,454)
(730,045,058)
(2,453,489,373)
(84,499,971)
844,995,000
760,495,029
2,172,795,930
0
0
(1,012,052,174)
0
0
2,943,457,647
0
0
5,122,641,813
247,087,803
305,494,571
284,332,697
336,347,860
5,773,728,852
8,193,612,585
7,487,054,982
10,714,845,326
8,193,612,585
7,487,054,982
10,714,845,326
16,173,834,999
292,906,840
3,461,453,071
1,565,000,000
320,939,821
4,107,027,286
230,000,000
384,326,638
5,439,031,366
920,000,000
489,589,724
6,988,523,673
2,140,000,000
1,661,937,570
2,699,389,111
3,218,789,171
3,216,814,215
1,212,315,104
129,698,764
752,698,151
3,338,907,387
8,193,612,585
7,487,054,982
10,714,845,326
16,173,834,999
2008
2009
2010
2007
7,076,601,586
9,606,084,937
11,719,793,931
12,318,257,160
(5,266,592,564)
(5,522,743,033)
(7,055,030,278)
(6,529,479,938)
7,976,958
20,719,822
43,080,149
11,376,050
1,198,942,404
415,867
1,436,986,251
85,202,572
1,746,268,559
22,111,094
2,241,330,818
298,225,483
(729,416,883)
(749,119,242)
(939,261,940)
(1,025,932,818)
(286,567,522)
(307,191,812)
(376,345,252)
(536,981,031)
(476,148,788)
(941,801,045)
(1,031,227,168)
(1,793,037,726)
419,555,862
745,157,044
2,111,035,723
1,313,432,266
(470,041,003)
(462,943,744)
(698,579,278)
(1,043,888,752)
1,474,725,917
3,910,351,750
5,541,845,540
5,253,301,512
(378,089,488)
(1,244,476,429)
(3,977,742,997)
(11,177,772,741)
(1,197,259,262)
0
(12,672,803,463)
(3,796,358,897)
0
(1,105,739,703)
0
(17,473,185,305)
(8,819,910,712)
0
6,704,364,934
0
(14,096,015,672)
(6,077,596,283)
0
(238,885,689)
0
(21,915,166,403)
(5,944,862,223)
62,890,500
11,242,203,400
(11,311,313,855)
3,040,892,959
15,171,985,121
16,773,432,106
18,568,371,602
17,690,740,527
616,309,220
95,081,185
367,307,493
830,825,572
1,437,147,293
(1,956,357,400)
1,867,138,784
(4,641,317,484)
1,096,636,429
2,665,875,321
1,564,102,543
(5,924,471,229)
4,932,282
5,067,718
5,000,000
5,000,000
653,872,651
329,079,408
(430,320,723)
(612,475,711)
(333,719,898)
(2,785,500)
(539,366,206)
0
(342,807,916)
(3,970,784)
(302,133,824)
(4,253,062)
277,045
290,500
20,710
36,250
(761,616,794)
(1,146,483,699)
312,114,661
27,728,772
2,500,000,000
3,396,503,796
(227,500,000)
(355,468,750)
(227,500,000)
5,541,035,046
335,019,635
1,291,891,622
1,876,217,194
(355,707,411)
7,468,239,215
7,803,258,850
9,095,150,472
10,971,367,666
7,803,258,850
9,095,150,472
10,971,367,666
10,615,660,255
Brac Bank Ltd
Premier Bank Ltd
Prime Bank Ltd
Brac Bank Ltd
Premier Bank Ltd
Prime Bank Ltd
Brac Bank Ltd
Premier Bank Ltd
Prime Bank Ltd
Brac Bank Ltd
Premier Bank Ltd
Prime Bank Ltd
Brac Bank Ltd
Premier Bank Ltd
Prime Bank Ltd
Liquidity Ratio
Brac Bank Ltd
Premier Bank Ltd
Prime Bank Ltd
Brac Bank Ltd
Premier Bank Ltd
Prime Bank Ltd
Brac Bank Ltd
Premier Bank Ltd
Prime Bank Ltd
Brac Bank Ltd
Premier Bank Ltd
Prime Bank Ltd
Brac Bank Ltd
Premier Bank Ltd
Prime Bank Ltd
Leverage Ratios
Brac Bank Ltd
Premier Bank Ltd
Prime Bank Ltd
Brac Bank Ltd
Premier Bank Ltd
Prime Bank Ltd
Brac Bank Ltd
Premier Bank Ltd
Prime Bank Ltd
Brac Bank Ltd
Premier Bank Ltd
Prime Bank Ltd
Brac Bank Ltd
Premier Bank Ltd
Prime Bank Ltd
Cash Flow Ratios
Brac Bank Ltd
Premier Bank Ltd
Prime Bank Ltd
Brac Bank Ltd
Premier Bank Ltd
Prime Bank Ltd
Interest Coverage = (CFO + Cash Payments for Interest and Income Taxes) /
Brac Bank Ltd
Premier Bank Ltd
Prime Bank Ltd
Brac Bank Ltd
Premier Bank Ltd
Prime Bank Ltd
Brac Bank Ltd
Premier Bank Ltd
Prime Bank Ltd
2007
2008
2009
2010
0.133
0.025
0.221
0.121
0.170
0.170
0.138
0.256
0.289
0.154
0.355
0.316
0.201
0.032
0.300
0.179
0.209
0.231
0.160
0.235
0.267
0.177
0.281
0.227
0.013
0.002
0.018
0.013
0.017
0.011
0.014
0.023
0.022
0.014
0.026
0.020
0.345
0.207
0.217
0.357
0.232
0.212
0.374
0.250
0.268
0.422
0.387
0.300
0.042
0.016
0.041
0.044
0.032
0.035
0.039
0.035
0.042
0.042
0.038
0.040
2007
2008
2009
2010
3.677
2.670
5.034
4.008
2.802
3.728
2.395
2.548
5.108
2.093
2.909
4.004
70.044
382.291
46.994
68.832
54.718
67.033
66.721
39.240
36.056
65.934
34.422
35.808
0.682
1.029
0.504
0.736
1.202
0.319
0.462
1.133
0.466
0.430
1.310
0.299
0.045
0.018
0.032
0.047
0.034
0.024
0.043
0.039
0.041
0.045
0.042
0.041
3.872
4.129
2.947
3.140
3.689
4.305
4.510
3.181
2.003
5.617
3.048
2.119
2007
2008
2009
2010
0.934
0.924
0.934
0.925
0.920
0.939
0.914
0.902
0.906
0.921
0.906
0.890
14.098
12.212
14.093
12.323
11.427
15.491
10.671
9.208
9.626
11.660
9.660
8.112
10.187
8.083
11.146
8.833
7.738
11.186
6.107
6.027
7.623
6.015
6.612
5.993
0.757
0.395
0.618
0.652
0.438
0.540
0.612
0.421
0.628
0.860
0.822
0.780
0.911
0.890
0.918
0.898
0.886
0.918
0.859
0.858
0.884
0.857
0.869
0.857
2007
2008
2009
2010
0.155
0.139
0.071
0.215
-0.062
0.085
0.207
0.249
0.066
-0.063
0.397
-0.177
0.059
0.071
0.019
0.076
-0.030
0.039
0.153
0.131
0.017
-0.058
0.183
-0.055
0.332
0.527
0.882
0.324
1.426
0.688
-0.025
0.071
0.924
1.802
-1.028
2.182
0.040
0.046
0.014
0.051
-0.018
0.024
0.080
0.078
0.013
-0.027
0.113
-0.039
0.401
0.471
0.153
0.464
-0.186
0.293
0.807
0.866
0.144
-0.300
1.530
-0.493
Total Asset
The City Bank Ltd
Brac Bank Ltd
Premier Bank Ltd
Prime Bank Ltd
48,755,403,018
46,382,595,418
32,573,186,557
79,588,430,798
57,114,576,058
72,441,893,391
38,723,491,477
110,437,103,311
###
76,466,801,564
95,127,222,246
47,343,235,844
124,806,383,846
###
###
Total Asset's Weight

The City Bank Ltd
Brac Bank Ltd
Premier Bank Ltd
Prime Bank Ltd
0.178
0.224
0.157
0.384
0.209
0.260
0.139
0.396
0.280
0.277
0.138
0.363
90,898,051,972
119,150,087,965
66,759,120,328
152,796,945,827
###
0.333
0.277
0.155
0.356
###
INDUSTRY AVERAGE
Liquidity Ratio
Leverage Ratios
Cash Flow Ratios
Interest Coverage = (CFO + Cash Payments for Interest and Income Taxes) /
RAGE
2007
2008
2009
2010
0.133
0.187
0.011
0.248
0.032
0.140
0.187
0.012
0.275
0.036
0.218
0.213
0.018
0.340
0.039
0.297
0.227
0.022
0.406
0.047
3.780
117.621
0.660
0.030
3.451
3.603
79.827
0.654
0.033
3.779
3.994
61.094
0.716
0.041
3.212
3.385
50.652
0.650
0.051
3.594
0.881
13.332
9.872
0.257
0.860
0.934
13.550
9.680
0.307
0.908
0.965
11.086
7.859
0.367
0.929
1.003
9.913
6.311
0.679
0.949
0.157
0.060
0.072
0.028
0.254
0.110
-0.113
-0.059
1.017
0.739
1.341
0.721
0.041
0.450
0.018
0.183
0.068
0.798
-0.033
-0.395
Profit Margin
0.297
0.261
0.218
0.133
0.064
2006
0.143
0.140
0.082
0.085
2007
2008
Profit Margin
2009
2010
INDUSTRY AVERAGE
ROE
0.187
0.119
0.187
0.095
0.213
0.227
0.140
0.161
0.094
2006
2007
ROE
2008
2009
2010
INDUSTRY AVERAGE
ROA
0.119
0.095
0.011
0.012
2006
2007
ROA
0.018
0.022
0.140
0.161
2009
2010
0.094
2008
INDUSTRY AVERAGE
2006
2007
2008
ROA
2009
2010
INDUSTRY AVERAGE
Efficency Ratio
0.451
0.306
0.315
2006
2007
Efficiency Ratio
0.376
0.368
2008
2009
2010
INDUSTRY AVERAGE
Basic Earning Power Ratio

0.047
0.032
0.032
0.036
0.026
2006
2007
Basic Earnings Power Ratio
0.039
0.031
0.029
2008
2009
INDUSTRY AVERAGE
0.045
2010
Current Ratio
4.315
4.021
3.391
0.261
3.323
2.791
Current Ratio
2010
2006
2007
2008
2009
2010
Debt Income Ratio

187.13
0.161
133.58
132.87
Debt Income Ratio
86.24
42.93
2010
2006
2007
2008
2009
2010
Cash Ratio
0.161
0.937
0.940
0.850
0.809
0.665
Cash Ratio
2010
2006
2007
2008
2009
2010
2010
2006
0.451
2010
0.045
2010
2007
2008
2009
2010
Current Ratio
bt Income Ratio
Cash Ratio

THE CITY BANK LTD. BALANCE SHEET ANALYSIS (2006-2010

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THE CITY BANK LTD. BALANCE SHEET ANALYSIS (2006-2010

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THE CITY BANK LTD.

BALANCE SHEET (2006-201

Property and Asset

Money at call and short notice

THE CITY BANK LTD.

THE CITY BANK LTD

Salaries and allowances

Net profit after taxation 240,021,913

Number of ordinary shares outstanding

ITY BANK LTD

1,014,135,297 1,388,056,141 2,999,238,709

THE CITY BANK

A) Cash flows from operating activities

Receipts from issue of ordinary shares

THE CITY BANK LTD

5,216,844,701 (1,995,573,704) 7,471,967,750

Balance sheet (2007-2010)

Fixed assets including premises,furniture and fixtures

Exchange equalisation reserve

Balance sheet (2007-2010)

Borrowing from other bank, financial institution and agents

Balance sheet (2007-2010)

BRAC BANK LTD

Interest paid on deposits,borrowings, etc.

Income from investment

Commission,exchange and brokerage

Other operating income

Salaries and allowance

Directors' fees and expenses

Depreciation on and repairs to bank's assets

Profit before provisions

Loans and advances

Profit before tax

Provision for tax:

THE PREMIER BANK LTD

Net Interest Income

Total Operating Income (A)

Rent, taxes, insurances, electricity etc

Loan written off (Annexure-E)

Total Operating Expences (B)

Profit before provision (C = A-B)

Provision against loans and advances

Provision for diminution in value of investments

Profit before taxation ( C-D )

Provision for taxation

Profit after taxation

Profit available for approprition

THE PRIME BANK LTD

Net Interest/Net Profit on Investment

Other Operating Income

Total Operating Income

Salary and Allowances

Rent, Taxes, Insurance and electricity

Postage, Stamps, telecommunication etc.

Stationery, Printing, advertisement etc

Managing Director's salary and fees

Total Operating Expense

Profit/loss before provision

Provision for loans and advances/investment

Provision for off shore banking unit

Profit before Taxation

Provision for taxation

Net Profit after Taxation