Assets 2013

Cash 2,142,260
Balance with Bangladesh Bank 13,664,359
Balance with others banks 78,854,155,986
Investment 267,000,000
Loans & Advances 87,707,167,495
Current asset 166,844,130,100
Fixed Assets including Land,Building,Furniture & Fixtures 1,408,734,663
investment Property 101,389,589
Other Assets 10,582,321,620
TOTAL PROPERTY AND ASSETS 178,936,575,972
Annual asset Growth
Liabilities
Borrowings from banks and other institutions 1,402,853,805
Members deposit 92,211,006,823
Non-members deposit 56,334,947,294
Other funds 5,811,822,546
Deposits and other funds 154,357,776,663
Other liabilities 12,776,050,436
Total Liabilities 168,536,680,904

Shareholders Funds
Paid-Up Capital 734,049,100
Capital and other reserves 8,327,197,401
Retained surplus 1,338,648,567
Total Shareholders' equity 10,399,895,068
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY 178,936,575,972

Particular 2013
OPERATING INCOME
Interest income 25,969,657,099
LESS: Interest/profit paid on deposits & borrowings etc 13,633,793,417
Net interest income 12,335,863,682
Dividend income from share investments 35,165,000
Other income 1,208,716,807
Total operating income 13,579,745,489
LESS: Operating expenses
Salaries and other related expenses 5,616,652,020
Rent, rates, taxes, vehicle insurance, utilities etc. 161,926,595
Legal, professional fees and others 284,275,042
Auditors’ fees 1,608,550
Stationery, printing, advertisement etc. 120,590,673
Directors’ remuneration 108,000
Repairs & maintenance of fixed assets 53,969,078
Depreciation of fixed assets (Annexure-A) 62,498,138
Depreciation of investment property (Annexure-B) 2,405,908
Other expenses 1,830,733,613
Total operating expenses 8,134,767,617
Profit before provision(EBIT) 5,444,977,872
Provisions for loans and advances 4,112,079,124
Specific provision 4,076,739,669
General provision 35,339,455
NET PROFIT 1,332,898,748

Liquidity Ratio
2013
Current Ratio 1.08
Cash Ratio 0.00010

Financial Leverage ratio 2013

Total debt ratio 0.94
Debt-equity ratio 15.21
Times interest earned ratio 0.21

Turnover Ratio 2013

Total Asset Turnover 0.07
Capital intesity 14.51

Profitability Ratio 2013

Profit Margin 0.11
Return On Assets (ROA) 0.007
Return On Equity(ROE) 12.82%

DuPont Analyis 2013

tax Burden 0.24
Interest Burden 1.00
EBIT Margin 0.44
Net Profit Margin(operating efficiency) 0.52
Asset turnover(Asset use efficiency) 0.07
ROE 0.39%

Risk Profile
Volatility
Mean
Revenue 28,553,692,163
operating Expense 11,005,754,760
Net income 1,092,293,149
Total assets 213,952,685,913
Equity 11,780,824,969

2013
% change in revenue
% Change in EBIT
Degree of Operating Leverage(DOL)
Degree of Financial Leverage(DFL)
Degree of Total Leverage(DTL)

x1 0.004
x2 0.007
x3 0.030
x4 0.062
X5 0.0689
Altman Z-Score 0.2218
Revenue 4.5%
Net income 11.3%
Asset 6.0%

Current Ratio

1.09 0.00015
1.08 0.00010
1.08 1.07 0.00010
1.07 Current Ratio
1.07 1.06 1.06 0.00005
1.06
Current Ratio 0.00000
1.05 1

Debt-equity ratio Times inter

18.00 17.67 0.30
16.88 0.21
16.58 0.19
16.00 15.21 0.20
14.77
14.00 0.10
Debt-equity ratio
12.00 0.00
1 2 Debt-equity ratio 1
3 2
4
5

Capital intesity
20.00 16.67 18.73
14.51 0.15
15.97 0.11
14.46
 14.51 16.67 0.15
15.97 0.11
14.46
10.00 0.10

Capital intesity 0.05

0.00
0.00
1 Capital intesity
2 1
3
4
5

Return On Equity(ROE)

20.00%
3000
15.00% 12.82% 15.92% Return On
11.28% Equity(ROE) 2000
10.00%
4.10%
5.00% 1000
0.00% 0.22%
0
1 2 Return On Equity(ROE)
3 1
4
5

Mean
Mean 30,000,000,000
300,000,000,000

200,000,000,000 20,000,000,000

100,000,000,000 10,000,000,000

0 -
1
2
3
4
5

Altman Z-Score

0.2500 0.2218

0.2000
0.1500
0.1000 Altman Z-Score
0.1000 Altman Z-Score

0.0500
Altman Z-Score
0.0000

1
 Balance Sheet
2014 2015 2016 2017
1,822,748 1,268,475 109,414 161,573
1,934,807 778,664 4,673,318 1,434,127
95,575,695,956 106,409,261,649 94,098,277,002 77,165,742,495
267,000,000 267,000,000 260,500,000 260,500,000
91,643,316,531 101,085,978,600 123,829,293,751 152,044,335,264
187,489,770,042 207,764,287,388 218,192,853,485 229,472,173,459
1,427,527,508 1,418,974,199 1,410,924,723 1,417,866,726
98,983,681 93,792,650 85,630,085 83,375,361
11,945,170,101 11,608,389,116 9,671,496,213 8,645,638,854
200,961,451,332 220,885,443,353 229,360,904,506 239,619,054,400
12.31% 9.91% 3.84% 4.47%

1,340,795,872 1,278,737,940 1,216,699,451 1,370,217,820

105,862,740,768 118,877,040,451 128,934,773,739 141,056,140,660
64,138,573,507 70,927,407,594 70,872,186,204 67,291,475,455
5,932,265,445 5,793,188,301 5,748,342,294 5,496,394,911
175,933,579,720 195,597,636,346 205,555,302,237 213,844,011,026
13,044,213,975 12,781,800,302 10,243,326,387 10,116,302,736
190,318,589,567 209,658,174,588 217,015,328,075 225,330,531,582

796,240,000 835,814,300 853,815,400 862,157,100

8,377,973,198 8,922,805,898 9,893,856,754 11,564,606,061
1,468,648,567 1,468,648,567 1,597,904,277 1,861,759,657
10,642,861,765 11,227,268,765 12,345,576,431 14,288,522,818
200,961,451,332 220,885,443,353 229,360,904,506 239,619,054,400

Income Statement
2014 2015 2016 2017

27,059,145,545 27,812,363,027 29,538,261,167 32,389,033,979

15,007,474,608 16,021,453,693 15,180,456,053 15,819,830,377
12,051,670,937 11,790,909,334 14,357,805,114 16,569,203,602
5,000,000 37,447,257 72,657,971 45,380,636
1,958,703,527 3,501,911,024 2,504,615,661 2,700,710,538
14,015,374,464 15,330,267,615 16,935,078,746 19,315,294,776

6,140,540,015 7,572,163,877 11,027,393,328 11,664,071,246

173,849,019 201,156,657 218,771,193 231,632,166
300,605,278 303,861,532 368,944,985 405,162,388
 1,564,000 1,569,750 1,569,750 1,569,750
129,901,004 116,221,500 92,088,562 99,699,793
218,000 114,000 342,000
65,338,688 18,187,804 18,116,217 51,907,513
60,691,176 121,114,394 1,533,650 58,817,242
2,405,908 1,452,750 109,865,414 18,145,615
1,933,845,933 1,775,768,410 1,713,991,059 1,889,814,618
8,808,959,021 10,111,496,674 13,552,388,158 14,421,162,331
5,206,415,443 5,218,770,941 3,382,690,588 4,894,132,445
4,770,404,200 5,194,433,328 1,989,767,532 2,618,837,361
4,847,858,342 N/A N/A N/A
77,454,142 N/A N/A N/A
436,011,243 24,337,613 1,392,923,056 2,275,295,084

Ratio Analysis
2014 2015 2016 2017
1.07 1.06 1.06 1.07
0.00002 0.00001 0.00002 0.00001

2014 2015 2016 2017

0.95 0.95 0.95 0.94
16.88 17.67 16.58 14.77
0.19 0.19 0.11 0.15

2014 2015 2016 2017

0.06 0.05 0.06 0.07
16.67 18.73 15.97 14.46

2014 2015 2016 2017

0.04 0.00 0.10 0.14
0.002 0.000 0.006 0.009
4.10% 0.22% 11.28% 15.92%

DuPont Analysis
2014 2015 2016 2017
0.08 0.00 0.41 0.46
1.00 1.00 1.00 1.00
0.43 0.44 0.24 0.30
0.52 0.55 0.57 0.60
0.06 0.05 0.06 0.07
 0.11% 0.01% 0.35% 0.57%

Risk Profile
SD CV
2,506,975,202 0.09
2,829,245,781 0.26
883,034,249 0.81
24,182,322,720 0.11
24,182,322,720 2.05

Degree of Leverage

2014 2015 2016 2017

0.04 0.03 0.06 0.10
-0.04 0.00 -0.35 0.45
-1.04 0.09 -5.67 4.63
-0.96 11.73 -0.18 0.22
1.00 1.00 1.00 1.00

Altman Z Score

CAGR Analysis
 Graph

Cash Ratio Total debt ratio

0.95 0.95
0.95

0.00010 0.95 0.94

0.94
Cash Ratio
0.00002 0.00002
0.00001 0.00001 0.94
Cash Ratio 1 2 3
2 3 4 5

Times interest earned ratio Total Asset Turnover

0.08 0.07
0.06 0.06
0.19 0.06 0.05
0.19
Times interest
0.15 0.04
earned ratio
0.11
0.02

0.00
2 Times interest earned ratio 1 2
3 3
4
5

Profit Margin Return On Assets (ROA

0.010
0.14 0.007
 0.010
0.14 0.007

0.10
0.005
0.04 0.002
Profit Margin
0.00 0.000
0.000
2 Profit Margin 1 2
3 3
4
5

DuPont Analyis ROE

Degree of Total Levera
1.00 1.00
1

0.5

ROE 0
2 DuPont Analyis 1 2
3 3
4
5

SD

3.00
000,000,000
2.00
000,000,000
SD 1.00
0.09 0.26
-
1 2 SD 1
3 2
4
5
-
 Total debt ratio
0.95
0.95

0.94
Total debt…

Total debt ratio

4
5

Total Asset Turnover

0.06 0.07

Total Asset Turnover

Total Asset Turnover

4
5

Return On Assets (ROA)

Return
0.009 On
Assets
 0.009 On
Assets
0.006 (ROA)

0.000

Return On Assets (ROA)

4
5

Degree of Total Leverage(DTL)

1.00 1.00 1.00
Degree of Total
Leverage(DTL)

Degree of Total Leverage(DTL)

4
5

CV

2.05

0.81
0.26 CV
0.11

CV
3
4
5