Cal

Degree
Institution
Session
Masters of Business Studies

Bachelor of Business Studies
Higher Secondery Certificate
Secondery School Certificate
Jagannath University
Jagannath University
Notre Dame College
Govt Laboratory High School
2006-2007
2001-2005
1999-2000
1997-1998
Passing
Year
2009
2007
2001
1999
Result
First Class
Second Class
First Class
First Class
Date
Financial Rat
Debt equity r
Financial exp
Current ratio
Return on to
Non perform
Return on sh
Earnings per
Dividend per
Price earning
Dividend yiel
Dividend pay
Date
Financial Rat
Debt equity r
Financial exp
Current ratio
SL
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
Lease Finance
Year
1993
1994
1995
1996
1997
1998
1999
2000
2001
2002
Date
Amount
Growth
(Tk In
Rate (%)
Million)
494.65
32.13
714.63
44.47
#######
66.93
#######
83.92
#######
27.64
#######
32.52
#######
27.45
#######
29.35
#######
35.24
#######
46.20
Event
DBH Joins
01/Dec/08
Hand in an Exceptional Programme
DBH
01/Jan/09
Launches Property Services
DBH
21/Jun/09
Property Spotlight Launched
DBH provides assistance to12/Jul/09
HFHIB for building shelters for the Aila affected families
DBH's dividend
01/Nov/09
payout increases by 38 percent
DBH Rated31/Jan/10
Highest 'AAA' for the 4th Consecutive Year
DBH employees
05/Feb/10
volunteer building low cost homes
Trading
07/Feb/10
of DBH First Mutual Fund starts
DBH Board
17/Sep/11
recommends 100 percent stock dividend
DBH Rated Highest
30/Jan/12
Triple A for the 6th Consecutive Year
Financial Ratios
Debt equity ratio (Times)
Financial expenses coverage ratio (Times)
Current ratio (Times)
Return on total assets (%)
Non performing loan ratio (%)
Return on shareholders' equity (%)
Earnings per share* (Taka)
Dividend per share
Price earnings ratio (Times)
Dividend yield (%)
Dividend payout ratio (%)
Date
2010
6.3
2.07
1.39:1
5.35
2.84
43.64
13.41
10
34.67
2.15
45.21
2011
6.83
1.51
1.31:1
1.72
2.32
13.04
5.05
2.5
27.41
1.81
49.47
Event
04/Dec/08 IDLC bags ICAB national awards 2007
25/Nov/08 IDLC achieves SAFA Best Presented Accounts Award 2007
24/Oct/09 IDLC got Superbrands recognition
17/Aug/09
19/Dec/10
30/Nov/11
26/Oct/11
27/Jun/11
02/Jan/11
29/Mar/12
Financial Ratios
Debt equity ratio (Times)
Financial expenses coverage ratio (Times)
Current ratio (Times)
Return on total assets (%)
Non performing loan ratio (%)
Return on shareholders' equity (%)
Earnings per share* (Taka)
Dividend per share
Price earnings ratio (Times)
Dividend yield (%)
Dividend payout ratio (%)
Particulars
1.0 Executive Summary
1.1 Introduction to Lease Financing
1.2 Origin of the Report:
1.3 Objectives of the report:
1.4 Scope of the Study:
IDLC achieves a special award COMMWARD Excellence in Communication 2009

IDLC bags 2nd prize in 10th ICAB National Award 2009 for best published accounts and reports
IDLCs annual report wins prestigious awards
IDLC signs agreement with MetLife Alico Bangladesh for Insurance Coverage to Home Loan Cus
IDLC signed Fundraising Agreement of USD 38.50 Million for Radisson BLU Hotel Coxs Bazar.
IDLC Signs USD 115 Million Fund raising Agreement with Summit Bibiyana
IDLC declares 25% stock dividend at its 27th AGM
2007
9.54
1.38
1.20:1
2.37
5.96
27.59
3.06
4
49.63
2.63
26.4
Page No
1
2
3
3
4
2008
8.32
1.46
1.21:1
2.5
3.97
28.43
4.1
3.5
55.76
1.53
21.55
1.0
1.1
1.2
1.3
1.4
1.5 Limitation of the report:

1.6 Methodology of the study:
2.1 Background of the study:
2.2 Lease Finance in Bangladesh:
2.3 Legal & Regulatory Framework of Leasing In Bangladesh
2.4 Lease Market Scenario of Bangladesh
2.5 Lease Classification Criteria
2.6 Growth of Lease Finance
3.0 Accounting Practices In Bangladesh
3.1 Lack of Legal Framework for default Leases
4.0 Introduction of the Company
4.1.1 Delta Brac Housing Finance Corp. Ltd (DBH)
4.1.2 Types of Product and Services
4.1.3 Schedule of Charges
4.1.4 CSR Activities
4.2.1 IDLC Finance Ltd (IDLC)
5.0 Horizontal Analysis
5.1.1 Delta Brac Housing Finance Corp Ltd (Dollar Change)
5.1.2 Delta Brac Housing Finance Corp Ltd (Percentage Change %)
5.2.1 IDLC Finance Ltd (Dollar Change)
5.2.2 IDLC Finance Ltd (Percentage Change %)
6.0 Trend Analysis
6.1 Delta Brac Housing Finance Corp Ltd
6.2 IDLC Finance Ltd
7.0 Vertical Analysis
8.0 Ratio Analysis
8.1.1 Delta Brac Housing Finance Corp Ltd
8.1.2 IDLC Finance Ltd
9.0 Financial Highlights of Companies of last 5 Years
5
6
7
7
9
11
14
15
16
17
20
20
22
23
24
25
26
28
29
30
31
32
33
34
35
36
37
38
39
40
40
40
41
41
1.5
1.6
2.1
2.2
2.3
2.4
2.5
2.6
3.0
3.1
4.0
4.1.1
4.1.2
4.1.3
4.1.4
4.2.1
4.2.2
4.2.3
5.0
5.1.1
5.1.2
5.2.1
5.2.2
6.0
6.1
6.2
7.0
7.1
7.2
8.0
8.1.1
8.1.2
9.0
9.1

10.0 SWOT Analysis
11.0 Problems and Solutions
12.0 Findings and Analysis
13.0 Recommendation
14.0 Conclusion
15.0 Bibliography
16.0 Appendix
41
42
42
45
47
48
49
51
52
53
9.2
10
10.1
10.2
11.0
12.0
13.0
14.0
15.0
16.0
tional Programme
Total Domestic Credit

Year
1992-1993
1993-1994
1994-1995
1995-1996
1996-1997
1997-1998
1998-1999
1999-2000
2000-2001
2001-2002
Amount
Growth
(Tk In
Rate (%)
Million)
#######
7.59
#######
4.86
#######
17.56
#######
20.42
#######
13.65
#######
18.20
#######
14.50
#######
17.50
#######
19.65
#######
21.35
rty Services
ht Launched
shelters for the Aila affected families
eases by 38 percent
e 4th Consecutive Year
lding low cost homes
tual Fund starts
ercent stock dividend
he 6th Consecutive Year
Growth
ICAB national awards 2007

eves SAFA Best Presented Accounts Award 2007
Superbrands recognition
8.44%
-26.96%
-0.08%
-3.63%
-0.52%
-30.60%
-62.30%
-75.00%
-20.96%
-0.34%
4.26%
eves a special award COMMWARD Excellence in Communication 2009

2nd prize in 10th ICAB National Award 2009 for best published accounts and reports in the NBFI sector
nual report wins prestigious awards
s agreement with MetLife Alico Bangladesh for Insurance Coverage to Home Loan Customers
ed Fundraising Agreement of USD 38.50 Million for Radisson BLU Hotel Coxs Bazar.
s USD 115 Million Fund raising Agreement with Summit Bibiyana
ares 25% stock dividend at its 27th AGM
2009
8.48
1.75
1.04:1
4.11
3.43
41.05
8.3
11
44.6
2.97
40.14
1.0 Executive Summary

1.1 Introduction to Lease Financing
1.2 Origin of the Report:
1.3 Objectives of the report:
1.4 Scope of the Study:
2010
6.3
2.07
1.39:1
5.35
2.84
43.64
13.41
10
34.67
2.15
45.21
2011
6.83
1.51
1.31:1
1.72
2.32
13.04
5.05
2.5
27.41
1.81
49.47
Growth
8.44%
-26.96%
-0.08%
-3.63%
-0.52%
-30.60%
-62.30%
-75.00%
-20.96%
-0.34%
4.26%
1.5 Limitation of the report:

1.6 Methodology of the study:
2.1 Background of the study:
2.2 Lease Finance in Bangladesh:
2.3 Legal & Regulatory Framework of Leasing In Bangladesh
2.4 Lease Market Scenario of Bangladesh
2.5 Lease Classification Criteria
2.6 Growth of Lease Finance
3.0 Accounting Practices In Bangladesh
3.1 Lack of Legal Framework for default Leases
4.0 Introduction of the Company
4.1.1 Delta Brac Housing Finance Corp. Ltd (DBH)
4.1.4 CSR Activities
4.2.1 IDLC Finance Ltd (IDLC)
5.0 Horizontal Analysis
5.1.1 Delta Brac Housing Finance Corp Ltd (Dollar Change)
5.1.2 Delta Brac Housing Finance Corp Ltd (Percentage Change %)
5.2.1 IDLC Finance Ltd (Dollar Change)
5.2.2 IDLC Finance Ltd (Percentage Change %)
6.0 Trend Analysis
7.0 Vertical Analysis
8.0 Ratio Analysis
8.1.1 Delta Brac Housing Finance Corp Ltd
8.1.2 IDLC Finance Ltd
9.0 Financial Highlights of Companies of last 5 Years

10.0 SWOT Analysis
11.0 Problems and Solutions
12.0 Findings and Analysis
13.0 Recommendation
14.0 Conclusion
15.0 Bibliography
16.0 Appendix
2006-2007
Taka
2005-2006
Taka
###########
###########
112.87
215,345.00
219,905.00
97.93
###########
###########
###########
9,295,044.00
1,316.59
152.16
###########
###########
152.58
Advances, deposits & prepaid expenses
###########
###########
63.58
Short term investments

Advances against deposits
Cash & bank balances
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
199.27
133.39
106.68
172.12
139.63
###########
###########
###########
###########
###########
###########
110.00
1,000.00
106.67
###########
###########
###########
###########
###########
###########
###########
###########
127.99
166.67
100.00
138.44
###########
###########
###########
###########
###########
###########
###########
###########
52.72
190.16
148.17
Properties & Assets

Properties, plants & equipments - at cost
less accumulated depreciation
Intangible assets - at cost less accumulated
amortization
Housing loans - secured
Deferred tax asset
Current Assets
Accounts receivable
Trend Analysis
Capital & Liabilities

Shareholders' Funds
Share Capital
Share Premium Account
Reserves & surplus
Statutory reserve
Contingency reserve
General reserve
Retained earnings
Proposed cash dividend
Proposed stock dividend
Balance of retained earnings
Loan Loss reserve

Unsecured Loans
Subordinated loan
Secured loans
Term Loans
Debentures
Deposits
Current Liabilites
Provision for Income Tax
Other liabilites & provisions
Current portion of long term loans
Accounts Payable
Bank Overdrafts
Short term Loans
###########
###########
123.96
###########
###########
131.48
###########
###########
80.00
###########
###########
###########
###########
9,285,692.00
###########
###########
234.30
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
178.17
96.61
218.55
117.22
109.68
248.15
153.78
139.63
230.41
126.86
horizontal analysis
Properties & Assets
Properties, plants & equipments - at cost less
accumulated depreciation
Deferred tax asset
Current Assets
Accounts receivable
Dollar Change
Percentage
Change %
Taka
Taka
42,084,417.00
37,285,707.00
4,798,710.00
1.13
############ 559,370,735.00
14,143,721.00
9,295,044.00
############
4,848,677.00
13.17
1.52
53,234,118.00
34,888,904.00 18,345,214.00
13,665,252.00
21,492,976.00 (7,827,724.00)
############ 951,130,054.00 ############
############ 86,494,833.00 28,879,575.00
############ 297,428,351.00 19,859,989.00
############ ############# ############
############ ############# ############
1.53
0.64
1.99
1.33
1.07
1.72
1.40
Dollar Change
Properties &
Assets
Properties,
Intangible assets
Housing loans Deferred tax
Current Assets
Accounts
Advances,
Short term
Advances
Cash & bank

Shareholders' Funds
Share Capital
Reserves & surplus
Statutory reserve
Contingency reserve
General reserve
Retained earnings
############ 200,040,000.00
############ 99,960,000.00
############ 300,000,000.00
20,000,000.00
############
20,000,000.00
1.10
10.00
1.07
############ 95,950,927.00
############ 60,000,000.00
18,000,000.00
18,000,000.00
############ 173,950,927.00
26,859,002.00
40,000,000.00
66,859,002.00
1.28
1.67
1.00
1.38
66,000,000.00
-
20,000,000.00
Capital &
Shareholders'
Share Capital
Share Premium
Reserves &
Statutory
Contingency
General reserve
Retained
10,727,280.00
20,348,551.00
76,727,280.00
40,348,551.00
############ 214,299,478.00
############ 514,299,478.00
(9,621,271.00)
36,378,729.00
############
############
0.53
1.90
1.48
1.24
Loan Loss reserve

Unsecured Loans
Subordinated loan
Secured loans
Term Loans
Debentures
73,758,085.00
56,099,934.00
17,658,151.00
1.31
29,922,800.00
37,403,500.00
(7,480,700.00)
0.80
############ 550,528,122.00
9,285,692.00
############ 559,813,814.00
############ #############
############
2.34
############
############
2.30
1.27
Loan Loss
Unsecured
Subordinated
Secured loans
Term Loans
Debentures
33,309,677.00 26,036,629.00
107,293,877.00 (3,638,188.00)
133,095,684.00 ############
567,077,401.00 97,668,059.00
182,498,722.00 17,659,155.00
270,000,000.00 ############
############# ############
############# ############
1.78
0.97
2.19
1.17
1.10
2.48
1.54
1.40
Deposits
Current
Provision for
Other liabilites
Current portion
Accounts
Bank Overdrafts
Short term
Deposits
Current Liabilites
Accounts Payable
Bank Overdrafts
Short term Loans
59,346,306.00
############
############
############
############
############
############
############
Proposed cash
Proposed stock
Balance of
percentage
Vertical
9818926163
2006-2007
Properties & Assets

Intangible assets - at cost less accumulated
amortization
2006-2007
###########
2005-2006
2005-2006
Vertical2006
Vertical2005
42,084,417.00
37,285,707.00
0.43
0.530233358
215,345.00
219,905.00
0.00
0.00312723
############ 559,370,735.00
75.00
7.954710984
Properties &
Assets
Properties,
plants &
equipments - at
cost less
accumulated
depreciation
Intangible assets
- at cost less
accumulated
amortization
Housing loans secured
Deferred tax
Deferred tax asset

Current Assets
Accounts receivable
14,143,721.00
9,295,044.00
53,234,118.00
34,888,904.00
13,665,252.00
21,492,976.00
############ 951,130,054.00
############ 86,494,833.00
############ 297,428,351.00
############ #############
############ #############

Shareholders' Funds
Share Capital
Reserves & surplus
Statutory reserve
Contingency reserve
General reserve
Retained earnings
Loan Loss reserve

Unsecured Loans
Subordinated loan
Secured loans
Term Loans
Debentures
Deposits
Current Liabilites
Accounts Payable
Bank Overdrafts
Short term Loans
############ 200,040,000.00
############ 99,960,000.00
############ 300,000,000.00
############ 95,950,927.00
############ 60,000,000.00
18,000,000.00
18,000,000.00
############ 173,950,927.00
66,000,000.00
20,000,000.00
10,727,280.00
20,348,551.00
76,727,280.00
40,348,551.00
############ 214,299,478.00
############ 514,299,478.00
73,758,085.00
56,099,934.00
29,922,800.00
37,403,500.00
############ 550,528,122.00
9,285,692.00
############ 559,813,814.00
############ #############
59,346,306.00
############
############
############
############
############
33,309,677.00
107,293,877.00
133,095,684.00
567,077,401.00
182,498,722.00
270,000,000.00
0.14
0.54
0.14
19.30
1.18
3.23
24.39
100.00
2.24
10.18
3.26
1.25
1.02
0.18
2.45
0.67
#VALUE!
0.11
0.78
3.23
6.49
0.75
0.30
13.14
#VALUE!
13.14
59.06
0.60
1.06
2.96
6.77
2.04
6.82
0.132183155
0
0.496148852
0.30564776
13.52585006
1.23002752
4.229675281
19.78734947
100
0
0
0
2.844732993
1.421513247
4.266246241
0
1.364500939
0.853249248
0.255974774
2.473724961
0
#VALUE!
0.284416416
0.289373097
0.573789513
3.047514475
7.313760715
0
0.797787108
0
0.531908471
0
7.82896177
0.132050162
7.961011931
65.00409462
0
0.473690948
1.525806998
1.892729872
8.064306101
2.595281622
3.839621617
Current Assets
Accounts
Advances,
Short term
Advances
Cash & bank
Capital &
Shareholders'
Share Capital
Share Premium
Reserves &
Statutory
Contingency
General reserve
Retained
Balance of
Loan Loss
Unsecured
Subordinated
Secured loans
Term Loans
Deposits
Current
Provision for
Other liabilites
Current portion
Accounts
Bank Overdrafts
Short term
trend
Properties &
Assets
Properties,
Intangible assets
Housing loans -
Ratios
############
############
#############
#############
2009-10
2010-11
20.25
100.00
18.39143716
100
Deferred tax
Current Assets
Accounts
receivable
Advances,
deposits &
prepaid
expenses
Short term
investments
Advances
against deposits
Current Ratio
1.08
1.21
Quick Ratio
1.22
1.44
Times Interest Earned Ratio
1.38
1.32
Cash & bank

balances
Capital &
Liabilities
Shareholders'
Funds
Share Capital
10.01
Share Premium
Account
Liquidity Ratios
Debt to Equity Ratio
9.06
Accounts Receivable Turnover Ratio
N/A
N/A
Inventory Turnover Ratio
N/A
N/A
Reserves &
surplus
Statutory
reserve
Contingency
reserve
Asset Turnover Ratio
N/A
N/A
General reserve
Operating Ratios
Profitability Ratio
Gross Margin Ratio
35.87
33.56
Operating Income Ratio
25.67
23.69
Retained
earnings
Balance of
retained
earnings
Loan Loss
reserve
Net Income Ratio
12.75
11.08
Return on Asset Ratio
3.21
3.1
Return on Equity Ratio
44.45
46.35
Earning Per Share Ratio (EPS)
44.56
56.02
2002-03
2003-04
Ratios
Unsecured
Loans
Subordinated
loan
Secured loans
2004-05
2005-06
Term Loans
Deposits
Current
Liabilites
Provision for
2006-07 Income Tax
Other liabilites
& provisions
Liquidity Ratios
Current Ratio
1.07
1.2
1.23
1.08
Quick Ratio
1.18
1.26
1.29
1.22
1.29
1.37
1.39
1.38

Profitability Ratio
7.24
7.95
8.84
9.06
25.71
29.03
8.52
2.8
27.53
14.27
33.46
24.62
14.57
3.34
43.32
43.01
35.37
26.16
13.56
3.24
43.96
44.55
35.87
25.67
12.75
3.21
44.45
44.56
2006-2007
###########
###########
2005-2006
###########
###########
Gross Margin Ratio

Net Income Ratio
Cash Flows from Operating Activites

Collection from operational income
Payment for operational expenses
Current portion
of long term
1.21 loans
Accounts
1.44 Payable
1.32 Bank Overdrafts
Short term
10.01 Loans
33.56
23.69
11.08
3.1
46.35
56.02
SecretaryCash flows from operating profits

before changes in operating assets and
liabilitiesThe
###########
###########
7,827,724.00
(9,115,478.00)

Housing finance
Other liabilities & provisions
Deposits
Net cash from operating activities before
income tax
Advance payment of tax
Net cash outflow from operation
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
Changes in operating assets and liabilities:
*all figures in %
Properties & Assets

Deferred tax asset
Current Assets
Accounts receivable
2006-2007
2005-2006
2005-2004
2004-2003
2003-2002
0.43
0.53
0.45
0.49
0.50
75.00
0.14
7.95
0.13
8.65
0.15
9.25
0.12
9.25
0.09
0.54
0.14
19.30
1.18
0.50
0.31
13.53
1.23
0.52
0.20
20.10
0.53
0.28
25.20
0.51
0.24
18.21

Shareholders' Funds
Share Capital
Statutory reserve
Contingency reserve
General reserve
Retained earnings
Loan Loss reserve
Unsecured Loans
Subordinated loan
Secured loans
Term Loans
Deposits
Current Liabilites
Accounts Payable
Bank Overdrafts
Short term Loans
3.23
4.23
2.24
10.18
2.84
1.42
2.32
9.25
2.95
8.21
2.65
6.32
1.25
1.02
0.18
1.36
0.85
0.26
1.40
0.90
0.20
1.60
1.05
0.31
1.23
1.30
0.12
0.11
0.75
0.29
0.80
0.15
0.98
0.30
0.85
0.24
0.74
0.30
0.53
0.35
0.34
0.52
13.14
59.06
7.83
65.00
14.12
60.23
9.12
63.21
8.12
54.20
0.60
1.06
2.96
6.77
2.04
6.82
0.47
1.53
1.89
8.06
2.60
3.84
0.51
1.25
2.01
6.85
2.42
5.62
0.58
1.52
1.99
6.89
2.63
4.25
0.75
1.08
2.10
7.05
2.99
5.25
lar Change
*all figures in tk
2006-2007
2005-2006
2005-2004
2004-2003
2003-2002
4,798,710
(4,560)
6,805,228,589
4,848,677
5,894,652
(5,485)
748,520,154
4,952,154
4,485,480
(4,256)
590,526,899
4,568,977
4,158,265
(3,958)
556,548,585
4,268,744
3,865,984
(3,452)
524,568,421
4,000,452
18,345,214
(7,827,724)
944,191,184
28,879,575
19,859,989
1,003,448,238
2,786,983,254
19,458,542
(7,758,465)
1,012,021,548
27,545,865
20,658,454
1,004,857,450
2,985,487,545
18,000,450
(7,458,953)
923,485,175
25,489,658
17,542,582
958,487,655
2,548,759,854
17,958,453
(7,254,865)
895,986,584
21,542,586
15,485,789
895,684,758
2,245,685,476
17,458,753
(6,958,472)
845,265,785
19,584,254
14,253,657
812,456,752
2,015,452,856
20,000,000
899,640,000
20,000,000
20,000,000
909,640,000
20,000,000
20,000,000
845,854,758
20,000,000
20,000,000
700,152,456
20,000,000
20,000,000
654,785,458
20,000,000
26,859,002
40,000,000
66,859,002
28,457,885
40,000,000
67,259,584
24,563,524
40,000,000
62,589,564
21,236,548
40,000,000
58,426,597
19,584,658
40,000,000
55,123,564
(9,621,271)
36,378,729
103,237,731
123,237,731
(9,823,572)
37,125,465
105,235,465
125,236,542
(9,423,475)
32,145,689
99,255,632
119,568,542
(8,945,236)
29,456,875
95,845,684
112,036,485
(8,456,798)
25,465,785
89,568,954
104,256,321
17,658,151
18,456,725
15,354,265
11,235,987
9,236,458
(7,480,700)
(7,542,365)
(7,254,652)
(6,985,684)
(6,485,265)
739,338,575
740,358,965
712,456,951
708,456,825
695,485,754
730,052,883
1,228,005,364
735,125,654
1,230,452,685
725,125,465
1,218,654,785
712,545,685
1,200,123,654
659,874,568
1,195,486,578
26,036,629
(3,638,188)
157,784,170
97,668,059
17,659,155
400,000,000
695,509,825
2,786,983,254
27,064,258
(3,564,856)
164,587,458
100,685,945
18,745,875
412,458,754
700,125,452
2,896,548,547
24,568,457
(2,564,856)
148,754,854
90,745,845
15,745,785
398,745,785
690,458,795
2,648,565,896
20,125,468
(2,345,258)
138,457,854
85,458,765
11,954,896
375,245,213
675,125,845
2,586,958,745
18,951,235
(2,012,542)
120,456,875
81,254,785
9,856,458
345,875,485
665,421,252
2,456,859,698
*all figures in %
2006-2007
2005-2006
2005-2004
2004-2003
2003-2002
1.13
1.15
1.09
1.05
1.02
0.98
0.99
0.89
0.85
0.87
13.17
14.25
12.65
11.95
9.48
1.52
1.65
1.45
1.35
1.20
1.53
0.64
1.99
1.33
1.07
1.67
0.68
2.01
1.41
1.09
1.49
0.59
1.96
1.32
1.06
1.35
0.56
1.85
1.29
1.05
1.32
0.49
1.69
1.31
1.03
1.10
10.00
1.12
10.00
1.09
10.00
1.05
10.00
1.04
10.00
1.28
1.67
1.00
1.30
1.70
1.02
1.23
1.68
1.01
1.19
1.71
0.99
1.18
1.69
1.10
0.53
0.56
0.52
0.54
0.51
1.31
1.37
1.34
1.35
1.32
0.80
0.85
0.81
0.79
0.75
2.34
1.27
2.35
2.38
2.25
2.32
1.78
0.97
2.19
1.17
1.10
2.48
1.64
0.92
2.04
1.05
1.04
2.38
1.45
0.94
2.06
1.07
1.08
1.31
1.43
0.88
2.01
1.11
1.07
1.47
1.55
0.87
2.12
1.12
1.12
1.40
*all figures in %
2006-2007
2005-2006
1.13
0.98
13.17
2005-2004
1.15
0.99
13.25
2004-2003
1.09
0.95
13.05
2003-2002
1.08
0.87
12.98
1.25
0.85
12.85
1.52
1.55
1.60
1.45
1.53
1.53
1.59
1.52
1.49
1.45
0.64
0.70
0.72
0.65
0.62
1.99
2.01
1.96
1.91
1.85
1.33
1.32
1.27
1.19
1.20
1.07
1.09
1.05
1.01
1.25
1.10
1.15
1.17
1.07
1.03
10.00
10.00
10.00
10.00
10.00
1.28
1.30
1.32
1.27
1.24
1.67
1.72
1.75
1.65
1.51
1.00
1.00
1.00
1.00
1.00
0.53
0.60
0.61
0.59
0.54
1.31
1.35
1.32
1.25
1.21
0.80
0.75
0.85
0.75
0.86
2.34
1.27
2.31
1.25
2.40
1.26
2.41
1.31
2.38
1.26
1.78
1.80
1.79
1.75
1.74
0.97
0.93
0.94
0.98
0.92
2.19
2.20
2.15
2.34
2.10
1.17
1.20
1.14
1.25
1.17
1.10
1.09
1.02
1.07
1.03
2.48
2.50
2.42
2.35
2.54
Particulars
Property and Assets
Cash
In hand
Balance with Bangladesh
Balance with other banks and

financial insti tuti ons in Bangladesh
Money at call and short noti ce
Investments
Government
Others
Loans, advances and leases
Fixed assets including land, building,
furniture and fixtures
Other Assets
Total Assets
Liabilites & Capital
Liabilities
Borrowings from other banks and fi
nancial insti tuti ons
Deposits and other accounts
Term deposits
Other deposits
Other Liabilites
Total Liabilites
2011
Taka
Dollar Change
%
2010
Taka
136,000.00
417,207,356.00
417,343,356.00
96,000.00
40,000.00
323,943,694.00 ###########
324,039,694.00 ###########
##############
2,106,738,063.00 ###########
670,000,000.00
370,000,000.00 ###########
397,108,875.00
397,108,875.00
##############
457,419,364.00 ###########
457,419,364.00 ###########
21,245,794,636.00 ###########
259,707,167.00
236,733,130.00 ###########
829,466,848.00
##############
612,284,404.00 ###########
25,353,009,291.00 ###########
##############
4,656,967,523.00 ###########
##############
810,581,392.00
##############
##############
##############
12,373,161,861.00
628,184,694.00
13,001,346,555.00
5,068,408,618.00
22,726,722,696.00
###########
###########
###########
###########
###########
Capital/Share holder's Equity

Paid-up capital
Share premium
Statutory reserves
General reserves
Dividend equalisati on reserves
Retained earnings
Total Equity
Total liabiliti es and Shareholders'
equity
OFF - BALANCE SHEET ITEMS
Contingent liabilities
Letters of guarantee
Irrevocable letters of credit
Indemnity Bond
Other commitments
Undisbursed contracted loans and
leases
Total Off -Balance Sheet items
Net assets value per share
990,000,000.00
3,750,000.00
723,210,192.00
811,250,000.00
46,500,000.00
645,805,382.00
##############
600,000,000.00
3,750,000.00
562,364,396.00
811,250,000.00
46,500,000.00
602,422,199.00
2,626,286,595.00
###########
###########
###########
###########
##############
25,353,009,291.00 ###########
126,958,540.00
8,811,279.00
135,769,819.00
270,263.00
1,700,000.00 ###########
8,811,279.00
10,781,542.00 ###########
##############
823,917,425.00 ###########
##############
32.53
834,698,967.00 ###########
26.53
6.00
horizontal
Particulars
Property and Assets
Cash
In hand
Balance with other banks and financial

insti tuti ons in Bangladesh
Investments
Government
Others
Other Assets
Total Assets
Liabilities
Borrowings from other banks and
Term deposits
Other deposits
Other Liabilites
Total Liabilites
2011
Dollar Change
%
2010
136,000.00
417,207,356.00
417,343,356.00
96,000.00
40,000.00
323,943,694.00 93,263,662.00
324,039,694.00 93,303,662.00
1,404,989,474.00
2,106,738,063.00 ############
670,000,000.00
370,000,000.00 ############
397,108,875.00
397,108,875.00
25,540,199,582.00
259,707,167.00
829,466,848.00
29,518,815,302.00
4,565,821,153.00
16,828,567,206.00
810,581,392.00
17,639,148,598.00
4,093,629,977.00
26,298,299,728.00
457,419,364.00
457,419,364.00
21,245,794,636.00
236,733,130.00
612,284,404.00
25,353,009,291.00
############
############
############
22,974,037.00
############
############
4,656,967,523.00 ############
12,373,161,861.00
628,184,694.00
13,001,346,555.00
5,068,408,618.00
22,726,722,696.00
############
############
############
############
############
Paid-up capital
Share premium
Statutory reserves
General reserves
Retained earnings
Total Equity
Total liabiliti es and Shareholders' equity
Indemnity Bond
Other commitments
Undisbursed contracted loans and leases
ver
990,000,000.00
3,750,000.00
723,210,192.00
811,250,000.00
46,500,000.00
645,805,382.00
3,220,515,574.00
29,518,815,302.00
600,000,000.00
3,750,000.00
562,364,396.00
811,250,000.00
46,500,000.00
602,422,199.00
2,626,286,595.00
25,353,009,291.00
Property and Assets

Cash
In hand

############
43,383,183.00
############
############
126,958,540.00
8,811,279.00
135,769,819.00
270,263.00
1,700,000.00 ############
8,811,279.00
10,781,542.00 ############
1,274,012,995.00
1,409,782,814.00
32.53
823,917,425.00 ############
834,698,967.00 ############
26.53
6.00
##############
Particulars
############
2011
25,353,009,291.00
2010
2011
136,000.00
417,207,356.00
417,343,356.00
96,000.00
323,943,694.00
324,039,694.00
0.0005
1.4134
1.4138
-
1,404,989,474.00
2,106,738,063.00
4.7596

Investments
Government
Others
Other Assets
Total Assets
Liabilities
financial insti tutions
Term deposits
Other deposits
Other Liabilites
Total Liabilites
Paid-up capital
Share premium
Statutory reserves
General reserves
Retained earnings
Total Equity
Indemnity Bond
Other commitments
670,000,000.00
457,419,364.00
457,419,364.00
21,245,794,636.00
236,733,130.00
612,284,404.00
25,353,009,291.00
2.2697
#VALUE!
1.3453
1.3453
86.5218
0.8798
2.8100
100.0000
-
4,565,821,153.00
4,656,967,523.00
15.4675
16,828,567,206.00
810,581,392.00
17,639,148,598.00
4,093,629,977.00
26,298,299,728.00
12,373,161,861.00
628,184,694.00
13,001,346,555.00
5,068,408,618.00
22,726,722,696.00
990,000,000.00
3,750,000.00
723,210,192.00
811,250,000.00
46,500,000.00
645,805,382.00
3,220,515,574.00
600,000,000.00
3,750,000.00
562,364,396.00
811,250,000.00
46,500,000.00
602,422,199.00
2,626,286,595.00
57.0096
2.7460
59.7556
13.8679
89.0900
3.3538
0.0127
2.4500
2.7482
0.1575
2.1878
10.9100
29,518,815,302.00
25,353,009,291.00
100.0000
397,108,875.00
397,108,875.00
25,540,199,582.00
259,707,167.00
829,466,848.00
29,518,815,302.00
370,000,000.00
-
126,958,540.00
8,811,279.00
135,769,819.00
270,263.00
1,700,000.00
8,811,279.00
10,781,542.00
1,274,012,995.00
1,409,782,814.00
823,917,425.00
834,698,967.00
#VALUE!
0.4301
0.0298
0.4599
4.3159
4.7759
32.53
26.53
2010
2011
Current Ratio
1.01
1.15
Quick Ratio
0.99
1.2
1.2
1.22
8.06
9.6
Ratios
0.0000
Liquidity Ratios

Operating Ratios
0.99
1.2
8.06
Profitability Ratio
Gross Margin Ratio
34.6
30.56
22.67
19.69
9.5
8.07
3.01
2.88
42.44
45.72
43.55
54.1
34.6
22.67
9.5
3.01
42.44
43.55
2011
2010
2009

Net Income Ratio
ver
Particulars
Property and Assets
Cash
In hand
Investments
0.00046
1.41
0.00038
1.28
0.00085
1.65
4.76
8.31
5.25
2.27
1.35
1.35
86.52
1.46
1.80
1.80
83.80
2.60
1.40
1.60
85.26
0.88
0.93
0.90
2.81
2.42
2.90
15.47
18.37
14.25
57.01
2.75
48.80
2.48
55.12
2.08
13.87
89.09
19.99
89.64
15.25
85.45
3.35
0.01
2.45
2.75
0.16
2.19
10.91
2.37
0.01
2.22
3.20
0.18
2.38
10.36
3.05
0.01
2.32
2.78
0.17
1.12
10.93

Indemnity Bond
0.43
0.03
0.01
0.03
0.45
0.04
4.32
3.25
4.25

Other Assets
Liabilities
Term deposits
Other deposits
Other Liabilites
Total Liabilites
Paid-up capital
Share premium
Statutory reserves
General reserves
Retained earnings
Total Equity
Description
Loan Processing Fees
Loan Servicing Fees
Term Extension within Original
Sanctioned Term
Term Extension exceeding Original
Sanctioned Term
Term Reduction
Duplicate Tax Certificate
Duplicate ARHL Statement
EMI change at Prepayment
Duplicate Annual Statement
Prior Year Loan Statement
Duplicate copy of Approval Letter
Closed Account Reference
Photocopy of Title Deeds / Charge
Documents etc.
Customized Letter or Certificate: Standard
Format
Customized Letter or Certificate:
Customized Format
Prepayment Partial/Full
Early Release of Security [Re.: Full
Prepayment cases only]
4.78
3.29
Amount (BDT)
.5% of Loan
0amount+ VAT
1% of the Loan
amount+VAT
Remarks
2000/-+ VAT
For extending the term of the loan within originally sanctioned Term
4000/- + VAT
For extending the term of the loan exceeding originally sanctioned Term
1000/- + VAT
500/- + VAT
500/- + VAT
1000/- + VAT
500/- + VAT
For reducing the term of loan and changing EMIs accordingly

For providing Tax Certificate in the middle of the year
For providing duplicate ARHL Statement in the middle of the year
For changing EMIs at the event of Prepayment
For each duplicate statement DBH provides
500/- + VAT
For providing an interim loan statement part-way through the year
500/- + VAT
For providing duplicate copy of letter

For providing a reference letter to another lender/party on a closed
account
2000/- + VAT
To be paid up front at the time of Loan Application submission

To be paid prior to taking disbursement
500/- + VAT
For each request
500/- + VAT
For providing information in letter form to a third party
1000/- + VAT
For providing information in letter form to a third party
2% + VAT
For prepayment Part or Full through own source
13000/- + VAT
For releasing the security earlier than stipulated time
4.99
Merger of Loan Accounts

Change/Partial Release of Security
Amortization Statement (Breakdown of
Repayment)
Scheme Conversion Fee
Additional Interest on overdues
5000/- + VAT
5000/- + VAT
For merging multiple loan accounts to one

For releasing a part of your security
500/- + VAT
For providing a break-up of repayment statement of your account
1 % of 0/5/- + VAT
2.5 & p.m
Reimbursement of Recovery Visit Cost

700/- per visit
Reimbursement of Recovery ISD Tele Call
1000/- per call
For converting loan Scheme from FRHL to ARHL or vice versa or from AR to
MR.
Calculated on the overdue amount: when the payment due is not cleared
in a particular month
When recovery effort involves physical visit
When recovery effort involves ISD call
Reimbursement of Recovery Followup

100/- per call
Reimbursement of Recovery Legal Notice
2500/- per notice
When recovery effort involves Phone call
Reimbursement of Legal expenses
When recovery effort involves legal expenses such as lawyers' fees, court
costs etc.
When the loan account goes into overdue due to the non resplenishment
of PDC
Reimbursement of PDC Follow-up Cost
at actual
500/- p.m
When recovery effort involves issuing legal notice
23 Reimbursement of Recovery Visit Cost

700/- per visit
When recovery effort involves physical visit
24 Reimbursement of Recovery ISD Tele Call
1000/- per call
When recovery effort involves ISD call
25 Reimbursement of Recovery Followup
100/- per call
When recovery effort involves Phone call
2500/- per
26 Reimbursement of Recovery Legal Notice
When recovery effort involves issuing legal notice
Notice
When recovery effort involves legal expenses
27 Reimbursement of Legal expenses
At Actual
such as lawyers' fees, court costs etc.
When the loan account goes into overdue due to
28 Reimbursement of PDC Follow-up Cost
500/- p.m.
the non resplenishment of PDC
Percentage
Change %
1.41666667
1.28790084
1.28793899
0.66690278
1.81081081
0.86815056
0.86815056
1.20212965
1.09704614
1.35470844
1.16431209
0.98042796
1.36008624
1.29035521
1.35671705
0.8076756
1.15715319
1.65
1.28601703
1.07201458
1.22626205
1.16431209
74.6814941
12.5928016
1.54628723
1.68897156
1.22615907
doller
Percentage
Change %
1.416666667
1.287900841
1.287938989
*all figures in tk
Particulars
Property and Assets
Cash
In hand
Money at call and short notice
0.666902781
Investments
1.810810811

Other Assets
Total Assets
Liabilities
Term deposits
Other deposits
Other Liabilites
Total Liabilites
0.868150556
0.868150556
1.202129646
1.097046142
1.354708437
1.164312093
2011
2010
2009
2008
2007
40,000
45,000
93,263,662 82,365,125
(701,748,589) ###########
300,000,000 ###########
42,000
50,000
85,265,485 90,125,468
(648,524,542) ##########
301,852,456 ##########
52,000
92,654,875
(495,875,486)
285,785,452
(60,310,489) (57,852,456)
(55,456,325) ##########
(47,524,639)
############ ###########
22,974,037 21,023,124
217,182,444 ###########
############ ###########
(91,146,370) (85,645,257)
############
182,396,698
(974,778,641)
############
###########
###########
###########
###########
3,987,456,258
20,123,542
207,156,324
4,015,265,487
##########
19,258,754
##########
##########
3,752,456,212
17,452,124
185,698,547
3,975,412,588
(81,652,359) ##########
(71,258,456)
4,354,215,889
165,498,785
(952,498,745)
3,152,456,963
##########
##########
##########
##########
4,285,654,932
155,485,963
(901,565,423)
2,854,569,854
0.980427957
1.360086241
1.290355209
1.356717054
0.807675601
1.157153193

Paid-up capital
Share premium
Statutory reserves
Retained earnings
Total Equity
Total liabilities and Shareholders'
equity
390,000,000 ###########
160,845,796 ###########
43,383,183 44,265,125
594,228,979 ###########
############ ###########
325,456,838 ##########
158,456,985
40,256,325
584,569,878
3,896,545,687
##########
35,896,548
##########
##########
250,635,125
151,256,456
31,256,485
562,545,632
3,856,958,721
1.65
1.286017033

Other commitments
leases
1.072014582
1.226262046
1.164312093
per
74.68149412
12.59280157
1.546287233
1.688971557
1.226159065
2010
0.00037865
1.27773272
1.27811137
0
8.30961737
125,258,540 ###########
119,324,698 ##########
120,325,456
450,095,570 ###########
575,083,847 ###########
6.00
5.90
439,586,548 ##########
572,564,586 ##########
5.85
5.98
435,784,564
569,856,988
5.75
*all figures in %
Particulars
Property and Assets
Cash
In hand
Investments
Other Assets
Total Assets
Liabilities
Term deposits
Other deposits
Other Liabilites
Total Liabilites
Paid-up capital
Statutory reserves
Retained earnings
Total Equity
Total liabilities and Shareholders'
equity
2011
2010
2009
2008
2007
1.42
1.29
0.67
1.81
0.87
1.20
1.10
1.35
1.16
1.48
1.35
0.70
1.80
0.90
1.25
1.09
1.32
1.20
1.35
1.31
0.71
1.78
0.91
1.26
1.04
1.40
1.15
1.45
1.45
0.68
1.68
0.85
1.19
1.12
1.25
1.12
1.25
1.02
0.65
1.79
0.86
1.15
1.14
1.32
1.19
0.98
0.89
0.84
0.79
0.71
1.36
1.29
0.81
1.16
1.25
1.25
0.80
1.12
1.34
1.30
0.85
1.20
1.41
1.12
0.79
1.14
1.39
1.25
0.75
1.09
1.65
1.29
1.07
1.23
1.62
1.25
1.09
1.21
1.70
1.30
1.04
1.25
1.69
1.21
1.03
1.19
1.65
1.19
1.05
1.14
1.16
1.09
1.20
1.08
1.11
1.45939283
0
#VALUE!
1.80420146
1.80420146
83.7998929
0.93374766
2.4150364
100
0
0
0
18.3685
0
48.8035236
2.477752
51.2812756
19.9913492
89.6411248
0
0
2.36658297
0.01479114
2.21813667
3.19981739
0.18341018
2.37613686
10.3588752
100
0
0
0
0.001066
0.00670532
0.03475437
0.04252569
0
0
3.24978158
3.29230727

Other commitments
74.68
72.25
76.14
71.52
69.50
1.55
1.69
1.23
1.60
1.72
1.30
1.52
1.65
1.29
1.49
1.58
1.25
1.51
1.59
1.19
2011
2010
2009
2008
2007
In hand
141.67
132.25
142.25
125.12
132.25

Investments
Other Assets
Total Assets
Liabilities
Term deposits
Other deposits
Other Liabilites
128.79
66.69
181.08
86.82
120.21
109.70
135.47
116.43
130.25
70.20
182.25
84.25
122.25
110.23
140.25
115.25
124.12
71.25
180.21
85.12
119.23
112.32
139.25
120.25
123.12
69.45
179.25
86.25
118.25
107.12
138.21
121.23
130.20
67.20
175.32
79.25
125.21
105.21
131.25
119.25
98.04
99.85
97.25
98.25
96.32
136.01
129.04
80.77
135.25
128.35
79.25
132.21
125.32
81.24
137.25
121.24
78.25
131.25
120.25
81.21
Total Liabilites
115.72
114.25
118.25
109.25
110.25

Paid-up capital
Share premium
Statutory reserves
General reserves
Retained earnings
Total Equity
Total liabiliti es and Shareholders'
Indemnity Bond
165.00
100.00
128.60
100.00
100.00
107.20
122.63
116.43
100.00
154.63
164.20
100.00
125.24
99.02
100.00
106.25
125.21
115.21
100.00
151.25
166.21
159.25
100.00
100.00
121.25 1193..25
101.12
102.09
100.00
100.00
108.25
103.25
120.21
119.21
111.25
119.25
100.00
100.00
149.25
153.21
160.21
100.00
123.25
98.05
100.00
104.25
115.24
120.20
100.00
159.25
trend
*all figures in %
Particulars
Property and Assets
Cash
1.0464E-07

1.2
1.22
9.6
30.56
19.69
8.07
2.88
45.72
54.1
*all figures in %
2008
2007
168.90
122.62
170.25
119.25
171.2
123.25
165.21
125.21
161.25
121.21
0.00052
1.32
0.00063
1.85
5.98
6.12
2.90
1.65
1.25
89.25
1.09
1.70
1.50
90.32
0.98
0.75
2.45
2.65
17.25
18.20
56.25
2.95
50.20
2.45
17.26
86.26
16.25
87.25
2.99
0.01
2.08
2.65
0.19
2.09
9.08
3.25
0.01
2.36
3.08
0.13
1.99
9.45
0.25
0.03
0.35
0.02
4.13
3.99
3.48
3.75

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Degree

Masters of Business Studies

IDLC achieves a special award COMMWARD Excellence in Communication 2009

1.5 Limitation of the report:

9.2 IDLC Finance Ltd

Total Domestic Credit

ICAB national awards 2007

eves a special award COMMWARD Excellence in Communication 2009

1.0 Executive Summary

1.5 Limitation of the report:

9.2 IDLC Finance Ltd

Advances, deposits & prepaid expenses

Short term investments

Properties & Assets

Capital & Liabilities

Loan Loss reserve

Capital & Liabilities

Balance of retained earnings

Loan Loss reserve

Properties & Assets

Properties, plants & equipments - at cost less

Deferred tax asset

Capital & Liabilities

Loan Loss reserve

Times Interest Earned Ratio

Cash & bank

Debt to Equity Ratio

Accounts Receivable Turnover Ratio

Inventory Turnover Ratio

Asset Turnover Ratio

Gross Margin Ratio

Operating Income Ratio

Net Income Ratio

Return on Asset Ratio

Return on Equity Ratio

Earning Per Share Ratio (EPS)

Times Interest Earned Ratio

Debt to Equity Ratio

Gross Margin Ratio

Cash Flows from Operating Activites

SecretaryCash flows from operating profits

Advances, deposits & prepaid expenses

Short term investments

Changes in operating assets and liabilities:

Properties & Assets

Cash & bank balances

Balance with other banks and

Capital/Share holder's Equity

Balance with other banks and financial

Property and Assets

Balance with other banks and financial

Money at call and short noti ce

Net assets value per share

Times Interest Earned Ratio

Return on Asset Ratio

Return on Equity Ratio

Earning Per Share Ratio (EPS)

Operating Income Ratio

Irrevocable letters of credit

Undisbursed contracted loans and leases

Loans, advances and leases

Total Off -Balance Sheet items

For reducing the term of loan and changing EMIs accordingly