AB Bank

Balance Sheet
2013 2014
PROPERTY AND ASSETS
Cash
In hand (including foreign currencies) 1,325,369,404 1,137,941,325
Balance with Bangladesh Bank and its agent bank(s) 10,034,147,846 12,809,767,620
Total Cash 11,359,517,250 13,947,708,945
Balance with other banks and financial institutions
In Bangladesh 4,744,159,686 4,171,808,425
Outside Bangladesh 2,494,830,373 2,316,879,897
Toatal Balance with other bank& financial institution 7,238,990,059 6,488,688,322
Money at call and on short notice 991,387,500 3,862,958,626
Investments
Government 22,327,865,346 25,305,839,814
Others 6,347,830,687 5,472,735,252

Toatal Investment 28,675,696,033 30,778,575,066

Loans, advances and lease/investments
Loans, cash credits, overdrafts, etc./Investments 139,067,739,439 176,387,446,062
Bills purchased and discounted 1,053,558,066 1,183,351,328
Toatl Loans, advances and lease/investments 140,121,297,505 177,570,797,390

Fixed assets including premises, furniture and fixtures 4,172,564,367 4,404,994,528

Other assets 15,446,091,023 17,614,433,173

Non-banking assets - -
Total Assets 208,005,543,738 254,668,156,050
LIABILITIES AND CAPITAL
Liabilities
Borrowings from other banks,financial institution and agents 9,987,492,033 10,976,810,430
AB Bank Subordinated Bond - 2,500,000,000
Deposits and other accounts
Current accounts and other accounts 15,742,024,927 17,639,785,113
Bills payable 1,140,175,156 1,195,054,117
Savings bank deposits 17,093,460,022 19,427,515,775
Fixed deposits 91,742,137,914 117,532,923,933
Other deposits 36,128,477,296 42,393,918,283
Total Deposits and other accounts 161,846,275,315 198,189,197,221
Other liabilities 19,231,727,325 24,845,034,825
Total Liabilities 191,065,494,672 236,511,042,476
Capital/Shareholders' Equity
Paid-up capital 4,976,253,760 5,324,591,520
Statutory reserve 5,564,799,391 5,582,440,229
Other reserve 1,412,629,267 1,638,259,155
Retained earnings 4,986,366,647 5,611,822,670
Total Shareholders' Equity 16,940,049,066 18,157,113,574
Total Liabilities and Shareholders' Equity 208,005,543,738 254,668,156,050

AB Bank
Income Statement
2013 2014
OPERATING INCOME
Interest income/profit on investments 17,953,048,673 21,398,789,847
Interest paid/profit on deposits and borrowings, etc. -14,173,526,482 -15,320,011,707
Net interest income 3,779,522,191 6,078,778,141
Investment income 2,841,538,159 2,878,403,934
Commission, exchange and brokerage 3,020,517,974 3,067,520,866
Other operating income 113,557,511 130,103,586
5,975,613,644 6,076,028,386
Total operating income (a) 9,755,135,835 12,154,806,527
OPERATING EXPENSES
Salary and allowances 2,081,594,761 2,613,952,361
Rent, taxes, insurance, electricity, etc. 467,485,269 579,339,843
Legal expenses 13,260,716 17,949,057
Postage, stamps, telecommunication, etc. 139,468,741 131,289,042
Stationery, printing, advertisement, etc. 164,680,619 161,986,227
Chief executive's salary and fees 11,434,501 12,143,560
Directors' fees 2,513,743 9,251,619
Auditors' fees 2,455,328 2,314,903
Depreciation and repairs of Bank's assets 576,298,293 514,522,719
Other expenses 1,006,285,515 1,187,212,523
Total operating expenses (b) 4,465,477,486 5,229,961,854
Profit before provision (c = (a-b) 5,289,658,349 6,924,844,673
Provision against loans and advances 1,667,125,000 2,286,220,170
Provision for diminution in value of investments 397,900,000 -
Other provisions 240,000,000 659,995,730
Total provision (d) 2,305,025,000 2,946,215,900
Profit before taxation (c-d) 2,984,633,350 3,978,628,773
Provision for taxation 1,973,636,035 2,718,595,044
Current tax 1,976,443,810 2,691,503,054
Deferred tax -2,807,775 27,091,990
Net profit after taxation 1,010,997,314 1,260,033,729
Appropriations
Statutory reserve 574,478,006 22,074,774
General reserve - -
Dividends, etc. - -
574,478,006 22,074,774
Retained surplus 436,519,308 1,237,958,955
Earnings Per Share (EPS) 2.03 2.37

AB Bank
Ratios
Liquidity Ratios 2013 2014
Liquidity Securities Indicator
Capacity Ratio
Cash position indicator
Hot money ratio
Core deposits ratio
Loans to deposit ratio
Efficiency Ratios
Operating Efficiency Ratio
Tax Management Efficiency Ratio
Expense Control Efficiency Ratio
Asset Utilization
Asset Management Efficiency Ratio
Leverage Ratio
Fund management Efficiency Ratio
Profitability Ratios
ROE
ROA
Net Interest Margin
Net Non-Interest Margin
Net Operating Margin
Earning Per Share (EPS)
Dividend Payout Ratio
Net Profit Margin
Equity Multiplier
Capital Adequacy
Total Capital Ratio
Shareholder’s Equity as a percentage of Total Assets:
Tier 1 Ratio
Market Ratios
P/E Ratio
Market to Book Ratio
 2015 2016

1,204,156,116 1 ,536,332,492
15,829,128,241 18,171,318,283
17,033,284,356 19,707,650,776

2,159,121,205 2 ,531,704,237
2,551,882,052 2 ,025,730,721
4,711,003,257 4,557,434,958
5,284,337,005 8,325,871,504

27,900,211,389 41,903,780,261
5,275,666,091 4 ,763,118,556

33,175,877,479 46,666,898,817

208,565,121,079 218,136,406,416
1,160,082,188 633,044,832
209,725,203,267 2 18,769,451,248

4,200,872,767 4,080,377,435
10,879,676,588 12,728,206,273

- -
285,010,254,719 314,835,891,011

23,693,344,309 15,454,422,143
6,500,000,000 6,500,000,000

20,067,587,921 22,298,120,917
3,699,973,387 4 ,865,582,322
22,573,067,458 28,024,691,434
111,741,032,463 122,034,379,371
55,737,244,271 68,418,008,865
213,818,905,499 245,640,782,909
18,205,779,567 24,126,225,778
262,218,029,374 2 91,721,430,830
 5,990,165,460 6 ,738,936,140
6,111,203,545 6 ,495,637,440
3,859,909,419 3 ,070,222,838
6,830,946,921 6 ,809,663,765
22,792,225,345 23,114,460,183
285,010,254,719 314,835,891,011

2015 2016

20,811,576,016 18,914,027,627
-16,532,249,413 -16,077,046,356
4,279,326,603 2,836,981,270
3,355,421,410 5,348,168,994
2,828,755,798 2,717,093,896
185,028,906 115,809,979
6,369,206,114 8,181,072,869
10,648,532,717 11,018,054,139

2,821,224,346 2,934,133,386
592,500,607 697,882,398
8,418,187 18,146,709
135,241,035 135,901,070
167,510,614 196,167,659
12,900,000 12,900,000
7,985,347 9 ,586,543
4,345,900 5 ,012,790
573,803,327 564,494,152
1,304,413,020 1,424,393,841
5,628,342,383 5,998,618,547
5,020,190,334 5,019,435,593
2 ,061,249,000 2,932,772,661
- 2 5,000,000
200,000,000 59,558,484
2,261,249,000 3,017,331,145
2,758,941,334 2,002,104,448
1,488,526,466 697,434,025
1,896,468,866 1,581,104,434
-407,942,400 -883,670,410
1,270,414,868 1,304,670,423
 535,826,124 388,712,367
- -
- -
535,826,124 388,712,367
734,588,744 915,958,056
2.12 1.94

AB Bank
Ratios
2015 2016
 Dhaka Ban
Balance Shee

2013
ASSETS

Property plantand equipment 20,008,539

Investment in shares 1,483,912,286

Current Asset
Cash & Bank Balance 228,899,804

Margin Loan 2,692,541,085

Advance Income Tax 19,637,953

Advance Payments and other receivable 17,958,757

Total Assets 4,462,958,424

EQUITY AND LIABILITIES

Equity
Paid-up Capital 1,560,000,000
Retained Earnings 157,906,892
Total Equity 1,717,906,892
Liabilities
Non-Current Liabilities
Long Term Loan (Loan from Dhaka Bank Limited) 1,924,000,000
Deferred Tax Liability 347,292
Total Non-Current liabilities 1,924,347,292
Current Liabilities
Accounts Payable 228,946,878
Provision for Income Tax 50,808,375
Provision against Unrealized Loss in Own Portfolio 40,000,000
Provision against Unrealized Loss in Margin Loan 115,000,000
Stimulation Fund for Affected Investors 8,760,904

Total Liabilities
TOTAL EQUITY & LIABILITIES 1,717,906,892
 Dhaka Bank
Income Statement

2013
OPERATING INCOME
Brokerage Commision Income 96,930,170
Capital Gain On Investment In Shares 78,572,641
Dividend on shares 23,634,463
Interest income on margin loan 48,080,288
Fees &other income 17,194,870
Total operating income (a) 264,412,432
OPERATING EXPENSES
Salaries and Allowance 30,935,920
Rent, taxes, insurance and lighting 13,516,935
Legal and professional fees 129,625
Postage , Stamp & Telecommunications 598,106
Stationary, Printing and Advertisement 1,108,451
Director's fee and meeting expences 502,989
Audit Fee 115,000
Repair and Maintenance 8,235,570
Other Operating Expenses 3,417,784
Depreciation of Property, Plant and Equipment 5,784,470

Total operating expenses (b) 64,344,850

Profit before provision (c = (a-b) 200,067,582

Less: Provisions
Provision against Unrealized Loss in Margin Loan 61,132,287
Provision against Unrealized Loss in Own Portfolio 34,768,086
Stimulation Fund for Affected Investors -
Total Provision (D) 95,900,373
Profit Before Tax (E=C-D) 104,167,209
Less: Provision for Income Tax
Current Tax 49,885,517
Deferred Tax (Income)/Expense (536,555)
49,348,962
Net Profit After Tax 54,818,247
Other Comprehensive Income -
Total Comprehensive Income 54,818,247

Earnings Per Share (EPS) 0.35

Dhaka Bank
Ratios

Liquidity Ratios 2013 2014

Liquidity Securities Indicator
Capacity Ratio
Cash position indicator
Hot money ratio
Core deposits ratio
Loans to deposit ratio
Efficiency Ratios
Operating Efficiency Ratio
Tax Management Efficiency Ratio
Expense Control Efficiency Ratio
Asset Utilization
Asset Management Efficiency Ratio
Leverage Ratio
Fund management Efficiency Ratio
Profitability Ratios
ROE
ROA
Net Interest Margin
Net Non-Interest Margin
Net Operating Margin
Earning Per Share (EPS)
Dividend Payout Ratio
Net Profit Margin
Equity Multiplier
Capital Adequacy
Total Capital Ratio
Shareholder’s Equity as a percentage of Total Assets:
Tier 1 Ratio
Market Ratios
P/E Ratio
Market to Book Ratio
 Dhaka Bank
Balance Sheet

2014
PROPERTY AND ASSETS
Cash
Cash in hand 1,395,090,440
balance with bangladesh bank & it's agent 14,505,763,632
Total Cash 15,900,854,072
Balance with other banks and financial institutions
inside bangladesh 2,075,818,703
outside bangladesh 4,143,878,648
Toatal Balance with other bank& financial institution 6,219,697,351
Money at call & short notice 448,300,000
Investments
Government 18,358,963,884
Others 1,339,891,277
Toatal Investment 19,698,855,161
Loans, advances and lease/investments
Loans cash credit overdraft 100,903,755,848
Bill purchase 2,227,763,426
Toatl Loans, advances and lease/investments 103,131,519,274
Fixed asset including premises, furniture & fixtures 3,957,799,257
Other asset 9,367,352,413
Non banking asset 23,166,033
Total Assets 158,747,543,561
LIABILITIES AND CAPITAL
Liabilities
Borrowing from other bank financial institutions & agents 9,414,685,059
Deposites & other accounts 124,853,559,335
Current account & other accounts 14,362,088,804
Bills payable 2,175,092,005
Savings bank deposite 11,463,880,702
Term deposites 96,852,497,824
Nonconvertable subordinated bond 2,000,000,000
Other liabilities 9,733,785,542
Total Liabilities 146,002,029,936
Capital/Shareholders' Equity
Paid up capital 5,685,129,640
Statutory reserves 4,825,543,616
Other reserves 870,409,255
Retained earning 1,364,431,114
Total Shareholders' Equity 12,745,513,625
Total Liabilities and Shareholders' Equity 158,747,543,561

2014
OPERATING INCOME
Interest income/profit on investments 13,705,387,970
Interest paid/profit on deposits and borrowings, etc -10,879,027,249
Net interest income 2,826,360,721
Investment income 2,542,824,552
Commission, exchange and brokerage 1,127,036,781
Other operating income 360,878,331
4,030,739,664
Total operating income (a) 6,857,100,385
OPERATING EXPENSES
Salary & Allowances: 1,627,967,019
Rent, Taxes, Insurance, Lighting etc 406,184,756
Legal Expenses 18,081,062
Postage, Stamp, Telecommunication etc 42,600,696
Stationery, Printing, Advertisement etc 198,019,076
Chief executive’s salary and fees 7,268,600
Directors' Fees 3,600,271
Auditors’ Fees 805,000
Depreciation and repairs of Bank’s assets 268,105,367
Other Expenses 476,392,510
Total operating expenses (b) 3,049,024,357
Profit before provision (c = (a-b) 3,808,076,028
Provision against loans and advances 543,128,511
provision against goods borrower
Provision for diminution in value of investments 13,499,886
Other Provisions 30,608,990
Total provision (d) 587,237,387
Profit before taxation (c-d) 3,220,838,641
Provision for taxation 1,191,845,133
Current tax 1,176,134,507
Deferred Tax 15,710,626
Net profit after taxation 2,028,993,508
Profit available for distribution
Retained earnings from previous year 1,191,170,022
Add: Retained earnings of current year 2,028,993,508
 3,220,163,530
Appropriations
Statutory Reserve 644,167,728
General Reserve 20,394,675
Dividend etc 1,191,170,013
Retained Earnings 1,364,431,114
3,220,163,530
Earning per Share (EPS) 3.57

2015 2016
 2015 2016

1,543,599,084 1,797,353,255
13,422,713,525 14,918,296,004
14,966,312,609 16,715,649,259

6,691,817,231 8,581,752,935
3,488,208,961 2,588,773,757
10,180,026,192 11,170,526,692
15,300,000 1,051,300,000

19,637,850,305 18,805,722,760
1,161,237,635 2,500,000,000
20,799,087,940 21,305,722,760

115,446,516,023 131,563,031,001
2,394,469,940 3,126,277,363
117,840,165,963 134,689,308,364
4,099,983,356 4,193,540,105
8,438,430,047 13,042,382,648
23,166,033 23,166,033
176,362,472,141 202,191,595,861

10,634,730,420 11,296,873,150
139,068,899,318 157,161,630,521
15,782,686,124 21,093,467,455
1,267,436,384 2,047,637,778
15,041,681,604 16,735,239,732
10,610,977,095,206 117,285,285,556
1,400,000,000 3,800,000,000
11,870,171,137 15,487,366,332
162,973,800,875 187,745,870,003

6,253,642,600 6,879,006,860
5,300,741,818 5,850,338,779
8,718,960,655 774,110,946
962,390,782 942,269,273
13,388,671,266 14,445,725,852
176,362,472,141 202,191,595,861

2015 2016

12,135,286,236 13,165,602,608
(10,116,296,447) -9452611371
2,018,989,789 3,712,991,237
3,003,455,981 3,238,231,845
1,316,145,294 1,517,376,553
370,836,561 270,819,482
4,690,437,836 5,026,427,880
6,709,427,625 8,739,419,116

1,636,454,240 1,711,533,723
459,716,648 508,410,393
10,263,756 17,395,303
49,624,780 40,064,088
201,302,778 148,276,067
10,422,334 12,890,167
3,556,195 3,700,186
1,265,000 1,380,000
298,178,696 337,001,950
534,410,087 555,116,746
3,205,194,514 3,335,768,622
3,504,233,111 5,403,650,494
1,095,173,902 2,444,517,209
1,254,000 8,200,000
4,075,897 -
27,738,300 202,948,481
1,128,242,099 2,655,665,690
2,375,991,012 2,747,984,804
938,402,032 1,282,056,770
934,833,819 1,314,967,979
3,568,213 (32,911,209)
1,437,588,980 1,465,928,034

1,364,431,114
1,437,588,980
2,802,020,094

475,198,202 549,596,961
- (38,911,209)
1,364,431,110 1,000,582,816
962,390,782 942,269,273
2,802,020,094 2,454,257,016
2.30 2.13