Balance Sheet

Cash
Balance with Other Banks & Financial Institution
Money at call
Investment
Loan & Advance
Fixed Assets
Other Asets
Non-Bank Assets
Total Assets
Liabilities & Equitites:
Liabilities:
Borrowing from other Banks & Financial institutions
Deposits
Other Liabilities
Preference Shares/Bond
Total Liabilities
Shareholder's Equities
Paidup
Share Premium (share money deposit)
Statutory Reserve
General Reserve
Other Reserve
Bonus Shares
Cash Dividend
Retained Earning
Total Equity
Minority Interest
Total Liabilities & Equities

Income Statement
Interest Income
Interest Expense
Net Interest Income
Income from Investment
Commmission, Exchange & Brokerage
Other Income
Total Operating Income
Operating Expense
Profit Before Provision
Provision
Contribution to foundation
Extra Ordinary Gain
Pre-Tax Profit
Tax
PAT
EPS

ASSUMPTIONS
Sector Deposit Growth

2005
4,946,077,789
10,805,444
4,985,000,000
12,902,848,138
44,920,748,410
515,717,067
6,842,817,863
75,124,014,711

113,800,642
67,549,986,405
7,641,833,052
75,305,620,099

1,250,000,000
352,353,800
690,774,026
222,357,671

(2,697,090,885)
(181,605,388)
75,124,014,711
2005
3,362,333,258
2,612,604,867
749,728,391
846,491,418
543,314,315
6,559,523
2,146,093,647
1,335,287,436
810,806,211
460,000,000

350,806,211
350,806,211

2005
17.2%

Foreign Trade and remittance growth

Market Volume growth
2005
Interest Income Calc:
Interest income to loan ratio

7.5%

Interst Expense Calc:

Interest expense to deposit ratio
Spread

3.9%
3.6%

Income from investment calc:

Income from inv to total investment

6.6%

income to investment in Government seccurities

Dividend income to investment in Quoted shares
Capital Gain to investment in Quoted shares
unquoted shares
BHBFC Deventure
other secirities
Commission Exchange and Brokerage
Commission/exchange/brokerage
wighting calc.
company
sector
Exchange
wighting calc.
company
sector
Brokerage
wighting calc.
company
sector
Other Income (net adition)
Operating Expense
Provision
Provision to total loans and advances

1.0%

Provision for Tax

Provision for Tax to Profit before tax

0.0%

Cash
Linked with Deposit Growth
Balance with other Banks and FI
Money at Call and short notice
Investment
Government Securities
Quoted Shares
Unquoted and DSE CSE
BHBFC Deventure
other investment
Loan and Advance
Loans outstanding to deposit ratio

0.0%

19%

66.5%

Fixed Assets
Other Assets
Other Assets to total asset
Non Bank Assets
Borrowing from other Banks & FI
Deposits & Other Accounts
Deposit Growth
Weighting Calc:
Company
Sector
Other Liabilities
Other Liabilities to loans and advance
Staturory reserve % of pretax profit

2005
Average Stock Dividend after 2012
2005
ROE for ER Valuation
Right issue in 2010
Right offer price
Irregular Income

No. of securities
Cash dividend
Stock dividend
Face Value
Addition to other resrve to profit after tax
Tax on irregular income

2005
Operating Efficiency
Pre Tax margin
Net Margin
Cost to Income ratio
Interest Income to Expense
Interest Income to Loans
Interest Expense to Deposits
Spread of Interest Income expense
Net Interest Margin
Effective Tax

7.4%
7.4%
62.2%
128.7%
7.5%
3.9%
3.6%
1.7%
0.0%

no of Branches
NP/Branch (BDT mn)

no of employees
NP/employee

#DIV/0!

Profitability Measures
ROA
ROE

0.5%
-193.2%

Valuation Ratios
Market Price Per Share
EPS (restated)
EPS Normalized (restated)
BVPS (restated)

0.0
0.0
-1.1

DPS (Cash Dividend)

Bonus Shares
P/E Ratio

#DIV/0!

P/BV Ratio
Dividend Yield
Loan to Deposit
Loan to depossit and borrowing
Deposit to Equity
Deposit and borrowing to equity

0.0x
#DIV/0!
66.5%
66.4%
-372.0x
-372.6x

Capital Adequacy
NPL as % of Total loans

2005
Financials
Net Interest Income
Income from Investment
Commission, Exchange & Brokerage
Total Operating Income
Profit Before Provision
PAT
Investment
Loan and Advance
Fixed Assets
Total Assets
Borrowings
Deposits & Other Accounts
Paid-up Capital
Statutory Reserve
Retained Earning
Total Equities
Total Liabilities & Equities
No of Securities
EPS (Restated)

Figures in million

749.7
846.5
543.3
2,146.1
810.8
350.8
12,902.8
44,920.7
515.7
75,124.0
113.8
67,550.0
1,250.0
690.8
(2,697.1)
(181.6)
75,124.0
-

1,000,000

2006
5,500,583,666

2007
6,779,310,465
4,350,000,000
14,090,649,118
47,080,319,537
529,763,264
8,681,968,105

2008
6,608,196,961
308,043,540
4,474,700,000
12,545,717,273
49,030,036,101
2,323,315,942
7,021,822,063

2009
5,286,406,832
4,182,145
5,554,100,000
14,303,004,404
52,344,171,190
2,332,537,980
7,755,650,032

5,550,000,000
12,068,224,147
45,709,543,329
515,086,311
6,897,088,897
76,240,526,350

81,512,010,489

82,311,831,880

87,580,052,583

37,430,305
68,659,737,327
7,214,703,451

30,137,644
72,446,074,699
19,584,850,495

23,303,233
71,207,978,507
19,249,699,782

16,468,821
72,989,146,155
20,156,210,583

75,911,871,083

92,061,062,838

90,480,981,522

93,161,825,559

1,250,000,000
352,353,800
741,713,657
335,562,500
252,357,671

1,250,000,000
352,353,800
741,713,657
335,562,500
392,121,538

1,250,000,000
352353800
916,533,197
335,562,500
1,897,926,549

1,250,000,000
74953800
1,250,231,061
335,562,500
3,594,213,893

(13,620,803,844)
(10,549,052,349)

(12,921,525,688)
(8,169,149,642)

(12,086,734,230)
(5,581,772,976)

76,240,526,350
-

81,512,010,489
-

82,311,831,880
-

87,580,052,583
-

2006
3,719,160,630
3,067,984,655
651,175,975
523,255,701
594,305,797
1,697,921
1,770,435,394
1,515,737,239
254,698,155
110,000,000

2007
3,422,541,804
3,022,968,993
399,572,811
867,985,612
606,241,287
4,138,556
1,877,938,266
1,506,291,577
371,646,689
13,831,233,577

2008
4,090,581,930
3,080,511,189
1,010,070,741
1,254,382,713
499,021,621
5,726,227
2,769,201,302
1,624,116,175
1,145,085,127
270,987,431

2009
4,978,543,342
3,238,758,184
1,739,785,158
1,558,950,825
719,318,902
2,941,081
4,020,995,966
1,922,283,649
2,098,712,317
430,222,995

144,698,155

(13,459,586,888)

1,668,489,322

144,698,155

(13,459,586,888)

874,097,696
874,097,696

2006

2007

2008

2009

(2,603,332,361)
328,655,267

20%

15.5%

18%

1,668,489,322

11.0%

17.1%
428.1%

17.5%
106.9%

17.6%
115.9%

23.3%
161.3%

2006

2007

2008

2009

8.1%

7.3%

8.3%

9.5%

4.5%
3.7%

4.2%
3.1%

4.3%
4.0%

4.4%
5.1%

4.3%

6.2%

10.0%

10.9%

9.4%

2.0%

-17.7%

44.1%

-74.1%
13.5%

143.7%
-0.6%

38.4%
7.8%

-48.6%
18.4%

0.2%

29.4%

0.6%

0.8%

0.0%

0.0%

0.0%

0.0%

1.6%

5.5%

-1.7%

2.5%

-100.0%
11.3%

#DIV/0!
-21.6%

#DIV/0!
2.9%

-98.6%
24.1%

-6%

17%

-11%

14%

66.6%

65.0%

68.9%

71.7%

-0.1%
0.8%

2.8%
25.9%

338.6%
-19.1%

0.4%
10.5%

-67%

-19%

-23%

-29%

1.6%

5.5%

-1.7%

2.5%

-5.6%

171.5%

-1.7%

4.7%

20.0%

20.0%

20.0%

20.0%

2006

2007

2008

2009

2006

2007

2008

2009

125,000,000

30%
10
21%

-1%

172%

102%
10%

2006

3.0%
3.0%
85.6%
121.2%
8.1%
4.5%
3.7%
1.4%
0.0%
-

2007

-274.6%
-274.6%
80.2%
113.2%
7.3%
4.2%
3.1%
0.8%
0.0%
-

2008

14.9%
14.9%
58.6%
132.8%
8.3%
4.3%
4.0%
2.1%
0.0%
-

2009

23.0%
23.0%
47.8%
153.7%
9.5%
4.4%
5.1%
3.3%
0.0%
-

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

0.2%
44.0%

-16.5%
127.6%

1.1%
-10.7%

1.9%
-29.9%

0.0
0.0
2.0

0.0
0.0
-64.9

0.0
0.0
-50.3

0.0
0.0
-34.3

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

0.0x

0.0x

0.0x

0.0x

#DIV/0!
66.6%
66.5%
208.9x
209.0x

#DIV/0!
65.0%
65.0%
-6.9x
-6.9x

#DIV/0!
68.9%
68.8%
-8.7x
-8.7x

#DIV/0!
71.7%
71.7%
-13.1x
-13.1x

2006

651.2
523.3
594.3
1,770.4
254.7
144.7

2007

399.6
868.0
606.2
1,877.9
371.6
(13,459.6)

2008

2009

1,010.1
1,254.4
499.0
2,769.2
1,145.1
874.1

1,739.8
1,559.0
719.3
4,021.0
2,098.7
1,668.5

12,068.2
45,709.5
515.1
76,240.5

14,090.6
47,080.3
529.8
81,512.0

12,545.7
49,030.0
2,323.3
82,311.8

14,303.0
52,344.2
2,332.5
87,580.1

37.4
68,659.7
1,250.0
741.7
(2,603.3)
328.7
76,240.5

30.1
72,446.1
1,250.0
741.7
(13,620.8)
(10,549.1)
81,512.0

23.3
71,208.0
1,250.0
916.5
(12,921.5)
(8,169.1)
82,311.8

16.5
72,989.1
1,250.0
1,250.2
(12,086.7)
(5,581.8)
87,580.1

125.0
-

2010
7,542,640,873
2,688,523,347
3,200,000,000
15,717,194,721
66,048,966,139
9,520,746,146
19,716,430,319
124,434,501,545

2011

2012

2013

2014

269,497,245
91,123,755,017
18,889,771,623
110,283,023,885

1,250,000,000
74,953,800
1,535,376,752
335,562,500
10,640,438,287

315,146,322
14,151,477,661
124,434,501,546
(1)
2010
5,552,622,912
3,463,821,453
2,088,801,459
1,762,760,524
923,724,156
14,532,896
4,789,819,035
2,342,965,070
2,446,853,965
1,021,125,510

1,425,728,455
825,436,442
600,292,013

2010

20%

2011

2012

2013

2014

2011

25%

2012

20%

18%

19%

19%

50.0%

10.0%

10.0%

2010

2011

2012

8.9%

13.0%

12.0%

3.9%

7.0%

6.0%

5.1%

6.0%

6.0%

15.0%

15.0%

15.0%

46%

25%

25%

10%
90.0%

10%
90.0%

10%
90.0%

10.0%
10.0%

10.0%
10.0%

10.0%
10.0%

0.8%

0.8%

0.8%

35.0%

42.5%

42.5%

5.0%
30.0%
30.0%
1.5%

20.6%
30.0%
30.0%
25.0%

20.6%
30.0%
30.0%
25.0%

85.0%

85.0%

85.0%

20.0%
4.5%

20.0%
4.5%

20.0%
4.5%

30%

30%

30%

5%

21%

21%

20%
80%

20%
80%

20%
80%

20.0%

20.0%

20.0%

20.0%

20.0%

20.0%

2010

2011

2012

2010

2011

2012

162,500,000

162,500,000

162,500,000

30%

30%

30%

0%

0%

0%

2%

2%

2%

10%

10%

10%

2010

17.3%
7.3%
48.9%
160.3%
8.4%
3.8%
4.6%
3.2%
57.9%

2011

2012

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

0.5%
4.2%

#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!

0.0
0.0
87.1

0.0
0.0
0.0

0.0
0.0
0.0

#DIV/0!

#DIV/0!

#DIV/0!

0.0x

#DIV/0!

#DIV/0!

#DIV/0!
72.5%
72.3%
6.4x
6.5x

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

2010

2011

2012

2,088.8
1,762.8
923.7
4,789.8
2,446.9
600.3

15,717.2
66,049.0
9,520.7
124,434.5

269.5
91,123.8
1,250.0
1,535.4
315.1
14,151.5
124,434.5

162.5
-

162.5
-

162.5
-

All the figures are in million except EPS

Balance Sheet
Cash
Balance with Other Banks & Financial Institution
Money at call
Investment
Loan & Advance
Fixed Assets
Other Asets
Non-Bank Assets
Total Assets
Liabilities & Equitites:
Liabilities:
Borrowing from other Banks & Financial institutions
Deposits
Other Liabilities
Preference Shares/Bond
Total Liabilities
Shareholder's Equities
Paidup
Share Premium (share money deposit)
Statutory Reserve
General Reserve
Other Reserve
Bonus Shares
Cash Dividend
Retained Earning
Total Equity
Minority Interest
Total Liabilities & Equities

2005

Income Statement
Interest Income
Interest Expense
Net Interest Income
Income from Investment
Commmission, Exchange & Brokerage
Other Income
Total Operating Income
Operating Expense
Profit Before Provision
Provision
Contribution to foundation
Extra Ordinary Gain
Pre-Tax Profit
Tax
PAT
EPS

2005

ASSUMPTIONS

2005

Sector Deposit Growth

17.2%

Foreign Trade and remittance growth

Market Volume growth
2005
Interest Income Calc:
Interest income to loan ratio

#DIV/0!

Interst Expense Calc:

Interest expense to deposit ratio
Spread

#DIV/0!
#DIV/0!

Income from investment calc:

Income from inv to total investment

#DIV/0!

income to investment in Government seccurities

Dividend income to investment in Quoted shares
Capital Gain to investment in Quoted shares
unquoted shares
BHBFC Deventure
other secirities
Commission Exchange and Brokerage
Commission/exchange/brokerage
wighting calc.
company
sector
Exchange
wighting calc.
company
sector
Brokerage
wighting calc.
company
sector
Other Income (net adition)
Operating Expense
Provision
Provision to total loans and advances

#DIV/0!

Provision for Tax

Provision for Tax to Profit before tax

#DIV/0!

Cash
Linked with Deposit Growth
Balance with other Banks and FI
Money at Call and short notice
Investment
Government Securities
Quoted Shares
Unquoted and DSE CSE
BHBFC Deventure
other investment
Loan and Advance
Loans outstanding to deposit ratio

0.0%

#DIV/0!

#DIV/0!

Fixed Assets
Other Assets
Other Assets to total asset
Non Bank Assets
Borrowing from other Banks & FI
Deposits & Other Accounts
Deposit Growth
Weighting Calc:
Company
Sector
Other Liabilities
Other Liabilities to loans and advance
Staturory reserve % of pretax profit

2005
Average Stock Dividend after 2012
2005
ROE for ER Valuation
Right issue in 2010
Right offer price
Irregular Income

No. of securities
Cash dividend
Stock dividend
Face Value
Addition to other resrve to profit after tax
Tax on irregular income

2005
Operating Efficiency
Pre Tax margin
Net Margin
Cost to Income ratio
Interest Income to Expense
Interest Income to Loans
Interest Expense to Deposits
Spread of Interest Income expense
Net Interest Margin
Effective Tax

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

no of Branches
NP/Branch (BDT mn)

#DIV/0!

no of employees
NP/employee

#DIV/0!

Profitability Measures
ROA
ROE

#DIV/0!
#DIV/0!

Valuation Ratios
Market Price Per Share
EPS (restated)
EPS Normalized (restated)
BVPS (restated)

0.0
0.0
#DIV/0!

DPS (Cash Dividend)

Bonus Shares
P/E Ratio

#DIV/0!

P/BV Ratio

#DIV/0!

Dividend Yield

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

Loan to Deposit
Loan to depossit and borrowing
Deposit to Equity
Deposit and borrowing to equity
Capital Adequacy
NPL as % of Total loans

2005
Financials
Net Interest Income
Income from Investment
Commission, Exchange & Brokerage
Total Operating Income
Profit Before Provision
PAT
Investment
Loan and Advance
Fixed Assets
Total Assets
Borrowings
Deposits & Other Accounts
Paid-up Capital
Statutory Reserve
Retained Earning
Total Equities
Total Liabilities & Equities
No of Securities
EPS (Restated)

Figures in million

1,000,000

2006

2007

2008

2009

2006

2007

2008

2009

2006
20%

2007
15.5%

2008
18%

2009
11.0%

17.1%
428.1%

17.5%
106.9%

17.6%
115.9%

23.3%
161.3%

2006

2007

2008

2009

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

20.0%

20.0%

20.0%

20.0%

2006

2007

2008

2009

2006

2007

2008

2009

30%
10
#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!
10%

2006

2007

2008

2009

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!

0.0
0.0
#DIV/0!

0.0
0.0
#DIV/0!

0.0
0.0
#DIV/0!

0.0
0.0
#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

2006

2007

2008

2009

2010

2011

2012

2013

2014

2010

2011

2012

2013

2014

2010

20%

2011

25%

2012

20%

18%

19%

19%

50.0%

10.0%

10.0%

2010

2011

2012

#DIV/0!

13.0%

12.0%

#DIV/0!

7.0%

6.0%

#DIV/0!

6.0%

6.0%

15.0%

15.0%

15.0%

#DIV/0!

25%

25%

10%
90.0%

10%
90.0%

10%
90.0%

10.0%
10.0%

10.0%
10.0%

10.0%
10.0%

#DIV/0!

#DIV/0!

#DIV/0!

35.0%

42.5%

42.5%

5.0%
30.0%
30.0%
#DIV/0!

#DIV/0!
30.0%
30.0%
25.0%

#DIV/0!
30.0%
30.0%
25.0%

85.0%

85.0%

85.0%

20.0%
#DIV/0!

20.0%

20.0%

30%

30%

30%

5%

#DIV/0!

#DIV/0!

20%
80%

20%
80%

20%
80%

20.0%

20.0%

20.0%

20.0%

20.0%

20.0%

2010

2011

2012

2010

2011

2012

30%

30%

30%

0%

0%

0%

2%

2%

2%

10%

10%

10%

2010

2011

2012

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!

0.0
0.0
#DIV/0!

0.0
0.0
#DIV/0!

0.0
0.0
#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

2010

2011

2012

All the figures are in million except EPS