FINANCIAL HIGHLIGHTS

LankaBangla Finance Limited

Financial Position 2013 2014 2015 2016 2017 Growth of 2017 5 Year C
over 2016 (%)/Aver

Total Assets 32,648 39,129 50,448 63,935 85,443 33.64% 27.19%

Total Liabilities 25,619 31,997 44,099 57,164 77,014 34.73% 31.67%
Business Disbursement 11,070 19,750 35,770 45,539 56,726 24.57% 50.46%
Property Plant and Equipment 291 311 1,292 1,430 1,762 23.24% 56.80%
Current Assets 19,281 13,316 19,146 33,088 35,318 6.74% 16.34%
Current Liabilities 14,965 9,381 17,301 29,043 31,959 10.04% 20.89%
Net current assets 4,317 3,935 1,845 4,045 3,359 ?16.96% ?6.08%
Non Current Assets 13,367 25,813 37,132 30,847 50,124 62.49% 39.16%
Long Term Liabilities 10,654 22,616 26,798 28,121 45,055 60.22% 43.40%
Loans and Advances 24,841 30,396 41,819 51,244 66,544 29.86% 27.93%
Term Deposits 10,827 16,683 29,992 40,033 51,553 28.78% 47.72%
Total Investment PorVolio 31,265 37,217 47,605 60,595 80,800 33.34% 26.79%
Operational Performance
Operating Revenue 5,189 5,100 6,237 7,306 9,981 36.62% 17.77%
Operating Expenses 892 1,285 1,612 1,999 2,671 33.61% 31.55%
Financial Expenses 2,731 3,033 3,715 3,964 4,839 22.07% 15.37%
Non Interest Revenue 1,433 1,135 1,449 1,644 2,905 76.68% 19.32%
Net Profit Before Tax 997 434 533 947 2,264 139.14% 22.75%
Net Profit AGer Tax 955 454 421 796 1,926 142.10% 19.19%
EBITDA 4,369 3,909 4,340 5,008 7,256 44.86% 13.52%
Turnover of Share Trading by LBSL 135,795 181,674 148,645 166,902 363,646 117.88% 27.92%
Financial Ratios
Gross Profit Ratio 52.63% 59.47% 59.57% 54.26% 48.48% ?10.65% 54.88%
Operating Profit Ratio 30.18% 15.34% 14.59% 18.37% 24.76% 34.73% 20.65%
Return on Capital Employed 3.66% 1.41% 1.04% 1.55% 2.83% 83.05% 2.10%
reserve ratio� liquidity asset ratio (Required 2.5%) 2.58% 2.64% 2.51% 2.52% 2.92% 16.07% 2.63%
Statutory Liquidity Reserve (Required 5%) 6.52% 6.00% 5.05% 5.08% 5.10% 0.34% 5.55%
al Adequacy Ratio (2011: Test Run. Effct. From 2012) 20.75% 17.26% 13.41% 12.45% 11.95% ?4.02% 15.16%
performing assets to gross advances�Non performing loans 4.84% 4.05% 3.20% 3.22% 2.85% ?11.36% 3.63%
(assets) to total loans (assets)
Cost to Income Ratio 36.29% 62.16% 63.92% 59.83% 51.95% ?13.17% 54.83%
Current Ratio 1.29 1.42 1.11 1.14 1.11 ?3.00% 1.21
Debt Equity Ratio 3.28 4.09 6.23 7.61 8.42 10.60% 5.93
Financial Expense Coverage Ratio 1.57 1.26 1.24 1.34 1.51 12.85% 1.39
Return on Equity (%) 14.34% 6.59% 6.37% 12.29% 25.66% 108.80% 13.05%
Return on Assets (%) 3.29% 1.26% 0.94% 1.39% 2.58% 85.39% 1.89%
Equity Parameters
Authorized Capital 3,000 3,000 3,000 3,000 10,000 233.33% 35.12%
Paid?up Capital 2,083 2,188 2,406 2,767 3,183 15.00% 11.17%
Shareholders' Equity 6,840 6,947 6,262 6,687 8,327 24.53% 5.04%
No. of Share Outstanding 208 219 241 277 318 15.00% 11.17%
Net Asset Value (NAV) Per Share* 21.49 21.83 19.68 21.01 26.16 24.53% 5.04%
Earnings Per Share (EPS)* 2.94 1.39 1.33 2.5 5.97 138.69% 19.37%
Market Price Per Share (Closing) 57.58 40 29 34.8 47.8 37.36% ?4.55%
Price Earnings Ratio (Times) * 19.59 28.79 21.74 13.92 8.01 ?42.45% 18.41
 Financial Position 2013 2014 2015 2016 2017 Growth of 2017 5 Year C
over 2016 (%)/Aver

Dividend Payment (C? cash & B? bonus) 5% B 10% B 15% B 15% B 7.5% B - -
15% C 10% C 15% C 15% C 7.5% C - -
Profit Per Employee (mn) 1.79 0.59 0.55 0.84 1.6 90.62% ?2.71%
Credit Ratings
Long Term A2 A1 AA3 AA3 AA3 AA3 -
Short Term ST-3 ST-3 ST-2 ST-2 ST-2 ST-2 -
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