Current Ratio
2017 2018 2019 2020 2021
Social Islami Bank Limited 1.0983341 1.1416691 1.125075 1.1262849 1.1283794
Al-Arafah Islami Bank Limited 1.0887661 1.0042486 1.0200908 1.1215672 1.1839498
Islami Bank Bangladesh Limited 1.1209475 1.131405 1.2369163 1.1325291 1.1349748
EXIM Bank 1.1118422 1.140413 1.1370996 1.1255452 1.1355454
Standard Bank Limited 1.0926979 1.0904455 1.0958269 1.079357 1.1191221
Debt to Total Asset Ratio
2017 2018 2019 2020 2021
Social Islami Bank Limited 0.9487 0.9486 0.9498 0.9530 0.9525
Al-Arafah Islami Bank Limited 0.9295 0.9306 0.9366 0.9391 0.9440
Islami Bank Bangladesh Limited 0.9437 0.9444 0.9480 0.9558 0.9598
EXIM Bank 0.9172 0.9240 0.9326 0.9369 0.9420
Standard Bank Limited 0.9235 0.9248 0.9268 0.9235 0.9233
Return on Asset
2017 2018 2019 2020 2021
Social Islami Bank Limited 0.53% 0.52% 0.44% 0.41% 0.43%
Al-Arafah Islami Bank Limited 0.99% 0.73% 0.64% 0.61% 0.46%
Islami Bank Bangladesh Limited 0.55% 0.63% 0.48% 0.34% 0.29%
EXIM Bank 0.99% 0.63% 0.55% 0.58% 0.40%
Standard Bank Limited 0.65% 0.64% 0.68% 0.49% 0.35%
Return on Equity
2017 2018 2019 2020 2021
Social Islami Bank Limited 10.33% 10.14% 8.81% 8.66% 9.02%
Al-Arafah Islami Bank Limited 14.07% 10.46% 10.05% 10.10% 8.21%
Islami Bank Bangladesh Limited 9.71% 11.38% 9.23% 7.66% 7.31%
EXIM Bank 11.93% 8.27% 8.16% 9.20% 6.86%
Standard Bank Limited 8.45% 8.47% 9.26% 6.45% 4.59%
Net Profit Margin
2017 2018 2019 2020 2021
Social Islami Bank Limited 13.33% 13.69% 12.34% 14.99% 15.87%
Al-Arafah Islami Bank Limited 25.84% 19.70% 17.04% 19.15% 14.54%
Islami Bank Bangladesh Limited 13.68% 15.70% 12.52% 11.90% 10.92%
EXIM Bank 29.92% 18.95% 18.25% 21.30% 16.98%
Standard Bank Limited 18.40% 17.57% 19.40% 13.87% 12.65%
Capital Adequacy Ratio
2017 2018 2019 2020 2021
Social Islami Bank Limited 11.59% 14.37% 13.88% 13.57% 11.64%
Al-Arafah Islami Bank Limited 13.07% 14.68% 14.67% 15.97% 15.46%
Islami Bank Bangladesh Limited 10.91% 11.65% 12.55% 13.37% 12.31%
EXIM Bank 12.08% 10.88% 12.57% 13.25% 14.25%
Standard Bank Limited 13.96% 9.97% 11.32% 12.86% 14.12%
Non Performing Loan
2017 2018 2019 2020 2021
Social Islami Bank Limited 8.20% 7.69% 6.63% 6.05% 5.18%
Al-Arafah Islami Bank Limited 4.10% 4.79% 4.82% 3.80% 4.81%
Islami Bank Bangladesh Limited 3.56% 4.12% 3.82% 3.41% 3.35%
EXIM Bank 2.49% 5.87% 4.87% 3.10% 4.81%
Standard Bank Limited 7.42% 5.67% 5.29% 4.29% 6.44%
Tier 1 Capital Ratio
2017 2018 2019 2020 2021
Social Islami Bank Limited 7.04% 8.15% 8.11% 8.48% 8.15%
Al-Arafah Islami Bank Limited 10.40% 10.12% 10.28% 9.74% 10.37%
Islami Bank Bangladesh Limited 8.16% 7.99% 8.16% 8.26% 7.76%
EXIM Bank 8.62% 7.79% 7.88% 8.52% 9.61%
Standard Bank Limited 9.13% 5.97% 7.57% 8.03% 10.55%
EPS
2017 2018 2019 2020 2021
Social Islami Bank Limited 1.79 1.77 1.62 1.57 1.69
Al-Arafah Islami Bank Limited 3.15 2.35 2.28 2.41 1.96
Islami Bank Bangladesh Limited 3.06 3.92 3.4 2.98 2.99
EXIM Bank 2.34 1.65 1.69 1.94 1.49
Standard Bank Limited 1.42 1.13 1.5 1.05 0.77
LDR
2017 2018 2019 2020 2021
Social Islami Bank Limited 91% 96% 92% 93% 91%
Al-Arafah Islami Bank Limited 96% 98% 97% 95% 95%
Islami Bank Bangladesh Limited 94% 98% 95% 88% 86%
EXIM Bank 90% 102% 97% 100% 102%
Standard Bank Limited 95% 94% 92% 96% 101%
Current Ratio Debt to To
1.4 0.9700
1.2 0.9600
1 0.9500
0.8 0.9400
0.9300
0.6
0.9200
0.4 0.9100
0.2 0.9000
0 0.8900
2017 2018 2019 2020 2021 2017 2018
Social Islami Bank Limited Al-Arafah Islami Bank Limited Social Islami Bank Limited
Islami Bank Bangladesh Limited EXIM Bank Islami Bank Bangladesh Limit
Standard Bank Limited Standard Bank Limited
Return on Asset Return
1.20% 16.00%
14.00%
1.00%
12.00%
0.80%
10.00%
0.60% 8.00%
6.00%
0.40%
4.00%
0.20%
2.00%
0.00% 0.00%
2017 2018 2019 2020 2021 2017 2018
Social Islami Bank Limited Al-Arafah Islami Bank Limited Social Islami Bank Limited
Islami Bank Bangladesh Limited EXIM Bank Islami Bank Bangladesh Limit
Standard Bank Limited Standard Bank Limited
Net Profit Margin Capital Ad
35.00% 18.00%
30.00% 16.00%
14.00%
25.00%
12.00%
20.00% 10.00%
15.00% 8.00%
6.00%
10.00%
4.00%
5.00% 2.00%
0.00% 0.00%
2017 2018 2019 2020 2021 2017 2018
Social Islami Bank Limited Al-Arafah Islami Bank Limited Social Islami Bank Limited
Islami Bank Bangladesh Limited EXIM Bank Islami Bank Bangladesh Limit
Standard Bank Limited Standard Bank Limited
Non Performing Loan Tier 1 Ca
9.00% 12.00%
8.00%
10.00%
7.00%
6.00% 8.00%
5.00%
6.00%
4.00%
Non Performing Loan Tier 1 Ca
9.00% 12.00%
8.00%
10.00%
7.00%
6.00% 8.00%
5.00%
6.00%
4.00%
3.00% 4.00%
2.00%
2.00%
1.00%
0.00% 0.00%
2017 2018 2019 2020 2021 2017 2018
Social Islami Bank Limited Al-Arafah Islami Bank Limited Social Islami Bank Limited
Islami Bank Bangladesh Limited EXIM Bank Islami Bank Bangladesh Limit
Standard Bank Limited Standard Bank Limited
EPS Loan to D
4.5 105%
4
100%
3.5
3 95%
2.5
90%
2
1.5 85%
1
80%
0.5
0 75%
2017 2018 2019 2020 2021 2017 2018
Social Islami Bank Limited Al-Arafah Islami Bank Limited Social Islami Bank Limited
Islami Bank Bangladesh Limited EXIM Bank Islami Bank Bangladesh Limit
Standard Bank Limited Standard Bank Limited
Debt to Total Asset Ratio
7 2018 2019 2020 2021
Social Islami Bank Limited Al-Arafah Islami Bank Limited
Islami Bank Bangladesh Limited EXIM Bank
Standard Bank Limited
Return on Equity
7 2018 2019 2020 2021
Social Islami Bank Limited Al-Arafah Islami Bank Limited
Islami Bank Bangladesh Limited EXIM Bank
Standard Bank Limited
Capital Adequacy Ratio
7 2018 2019 2020 2021
Social Islami Bank Limited Al-Arafah Islami Bank Limited
Islami Bank Bangladesh Limited EXIM Bank
Standard Bank Limited
Tier 1 Capital Ratio
Tier 1 Capital Ratio
7 2018 2019 2020 2021
Social Islami Bank Limited Al-Arafah Islami Bank Limited
Islami Bank Bangladesh Limited EXIM Bank
Standard Bank Limited
Loan to Deposit Ratio
2018 2019 2020 2021
Social Islami Bank Limited Al-Arafah Islami Bank Limited
Islami Bank Bangladesh Limited EXIM Bank
Standard Bank Limited
2017 2018
Current Ratio Current Assets/Current Liabilities 1.098334 1.141669
Debt to Total Asset Ratio Total liabilities/Total asset 0.948664 0.948643
Return on Asset Net Income/Total Assets 0.005301 0.00521
Return on Equity Net Income/Equity 0.103254 0.101442
Net Profit Margin Net income/Revenue or Sales 0.133326 0.136907
Capital Adequacy Ratio Tier I capital + Tier II capital/ Risk weighted assets 0.115948 0.143681
Non Performing Loan Non-performing loans/Total loans 8.20% 7.69%
Tier 1 Capital Ratio Core Capital/ Risk weighted assets 0.070417 0.0815
Earnings Per Share 1.79 1.77
Loan To Deposit Ratio Total loan/Total deposit 0.914757 0.957836
2019 2020 2021 2017 2018
1.125075 1.126285 1.128379 Current Asset 256359675737 283077728527
0.949847 0.953022 0.952527 Current Liabilities 233407725773 247950776574
0.00442 0.004069 0.004283 Total Liabilities 262106808640 291615483993
0.088128 0.086607 0.090229 Total Asset 276290476647 307402855311
0.12343 0.149906 0.158695 Net Income 1464518723 1601509604
0.138752 0.135654 0.11639 Equity 14183668006 15787371318
6.63% 6.05% 5.18% Revenue/Sales 10984481515 11697753545
Tier 1 Capital 13204444864 14832370735
0.081138 0.084821 0.08153 Tier 2 Capital 8537851554 11316631345
1.62 1.57 1.69 Risk Weighted Assets 187516955000 181993065000
0.915023 0.929694 0.913138 Non Performing Loans 8.2 7.69
Total Loans 209295.509 237854.171
Core Capital 13204444864 14832370735
Risk weighted assets 187516955000 181993065000
Total Deposit 228798.9 248324.49
2019 2020 2021
323428574694362531359020 384099022925
287472894270321882450559 340398813180
327873228650367113525654 389196141192
345185358427385209956725 408593211428
1525679354 1567271131 1750183666
17312129777 18096431071 19397070236
12360708815 10455058943 11028604380
16380784701 19025287175 22838928961
11561846015 11401654902 9765478813
201385860000224298667500 280129492100
6.63 6.05 5.18
263468.5896 299717.9436 311983.8205
16339951211 19025287175 22838928961
201385860000224298667500 280129492100
287936.66 322383.51 341661.06
2017 2018
Current Ratio Current Assets/Current Liabilities 1.088766 1.004249
Debt to Total Asset Ratio Total liabilities/Total asset 0.929459 0.930619
Return on Asset Net Income/Total Assets 0.009928 0.007259
Return on Equity Net Income/Equity 0.140737 0.104619
Net Profit Margin Net income/Revenue or Sales 0.258435 0.197023
Capital Adequacy Ratio Tier I capital + Tier II capital/ Risk weighted assets 0.130663 0.146778
Non Performing Loan Non-performing loans/Total loans 4.10% 4.79%
Tier 1 Capital Ratio Core Capital/ Risk weighted assets 0.104049 0.101202
Earnings Per Share 3.15 2.35
Loan To Deposit Ratio Total loan/Total deposit 0.963641 0.983729
2019 2020 2021 2017 2018
1.020091 1.121567 1.18395 Current Asset 301615361607.00 295214265922.00
0.936627 0.939144 0.944022 Current Liabilities 277024940523.00 293,965,328,122
0.006371 0.006148 0.004596 Total Liabilities 296734617726 314982065956
0.10053 0.10103 0.082101 Total Asset 319255292507 338465295212
0.170422 0.191496 0.145414 Net Income 3169500000 2456800000
0.146732 0.159705 0.154583 Equity 22520674781 23483229256
4.82% 3.80% 4.81% Revenue/Sales 12264189575 12469595060
Tier 1 Capital 21459.85 22379.93
0.102849 0.097353 0.103742 Tier 2 Capital 5488.97 10078.56
2.28 2.41 1.96 Risk Weighted Assets 206246.97 221140.1
0.970543 0.946621 0.953587 Non Performing Loans 4.10% 4.79%
Total Loans 235905.23 261874.13
Total deposit 244806.26 266205.48
Core Capital 21459.85 22379.93
Risk weighted assets 206246.97 221140.1
2019 2020 2021
331313443328392575296921456761593768
324788184616350023889093385794727219
356903601299392842807715436786707658
381051811953418298652427462687049884
2427630000 2571810000 2126443629
24148210654 25455844712 25900342226
14244805974 13430096389 14623387285
22817.41 23930.89 29301.3
9735.77 15327.2 14359.58
221854.13 245816.84 282442.94
4.82% 3.80% 4.81%
288486.02 308620.66 336890.72
297241.81 326023.41 353287.97
22817.41 23930.89 29301.3
221854.13 245816.84 282442.94
2017 2018
Current Ratio Current Assets/Current Liabilities 1.1209475 1.131405
Debt to Total Asset Ratio Total liabilities/Total asset 0.9436811 0.94442
Return on Asset Net Income/Total Assets 0.0054698 0.006323
Return on Equity Net Income/Equity 0.0971221 0.113768
Net Profit Margin Net income/Revenue or Sales 0.1367612 0.157015
Capital Adequacy Ratio Tier I capital + Tier II capital/ Risk weighted assets 0.1091216 0.116531
Non Performing Loan Non-performing loans/Total loans 3.56% 4.12%
Tier 1 Capital Ratio Core Capital/ Risk weighted assets 0.0816268 0.079944
Earnings Per Share 3.06 3.92
Loan To Deposit Ratio Total loan/Total deposit 0.9413351 0.97956
2019 2020 2021 2017 2018
1.236916 1.132529 1.134975 Current Asset 877862506897 973025362337
0.948017 0.955835 0.959841 Current Liabilities 783143313230 860015076164
0.004798 0.003383 0.002937 Total Liabilities 848935014010 942492696349
0.092307 0.076594 0.073145 Total Asset 899599430240 997959303050
0.125154 0.118999 0.109175 Net Income 4920606745 6310300055
0.12552 0.133721 0.123135 Equity 50664129014 55466606701
3.82% 3.41% 3.35% Revenue/Sales 35979562038 40189038300
Tier 1 Capital 41361.26 46093.98
0.081624 0.082558 0.077592 Tier 2 Capital 13931.96 21094.9
3.4 2.98 2.99 Risk Weighted Assets 506711.88 576576.63
0.950038 0.877752 0.861932 Non Performing Loans 3.56% 4.12%
Total Loans 710728.93 805759.98
Total deposit 755022.25 822573.12
Core Capital 41361.26 46093.98
Risk weighted assets 506711.88 576576.63
2019 2020 2021
1205600700501 1385225912556 1.608957E+12
974682545017 1223126111349 1.417615E+12
1082807663078 1355012160770 1.570943E+12
1142181887387 1417622105592 1.63667E+12
5480641522 4795520387 4807565191
59374224309 62609944823 65726661349
43791298124 40298932555 44035382389
49943.85 53178.99 56294.35
26858.4 32956.09 33041.68
611873.44 644139.5 725514.03
3.82% 3.41% 3.35%
899013.21 1035287.88 1191173
946291.53 1179476.48 1381979.53
49943.85 53178.99 56294.35
611873.44 644139.5 725514.03
2017 2018
Current Ratio Current Assets/Current Liabilities 1.111842 1.140413
Debt to Total Asset Ratio Total liabilities/Total asset 0.917188 0.924048
Return on Asset Net Income/Total Assets 0.009879 0.006278
Return on Equity Net Income/Equity 0.119291 0.082666
Net Profit Margin Net income/Revenue or Sales 0.299237 0.189509
Capital Adequacy Ratio Tier I capital + Tier II capital/ Risk weighted assets 0.120773 0.108791
Non Performing Loan Non-performing loans/Total loans 2.49% 5.87%
Tier 1 Capital Ratio Core Capital/ Risk weighted assets 0.086214 0.077878
Earnings Per Share 2.34 1.65
Loan To Deposit Ratio Total loan/Total deposit 0.899131 1.019597
2019 2020 2021 2017 2018 2019
1.1371 1.125545 1.135545 Current Asset 3.16434E+11 3.635E+11 4.2365E+11
0.932594 0.936905 0.941956 Current Liabilities 2.84604E+11 3.188E+11 3.7257E+11
0.005501 0.005807 0.003981 Total Liabilities 306242.24 343293.77 403830.04
0.081612 0.092029 0.068593 Total Asset 333892.61 371510.67 433017.99
0.182451 0.212981 0.169827 Net Income 3298.43 2332.52 2382.08
0.125676 0.132529 0.142479 Equity 27650.37 28216.19 29187.94
4.87% 3.10% 4.81% Revenue/Sales 11022.81 12308.26 13055.97
Tier 1 Capital 24852200000 2.515E+10 2.5642E+10
0.078776 0.085249 0.096094 Tier 2 Capital 9962300000 9.982E+09 1.5266E+10
1.69 1.94 1.49 Risk Weighted Assets 288263.24 322914.26 325501.68
0.968704 0.999269 1.019872
Total Loans 255033.17 306264.57 344557.65
Total deposit 283643.96 300378.01 355689.16
Core Capital 24852200000 2.515E+10 2.5642E+10
Risk weighted assets (in BDT) 2.88263E+11 3.229E+11 3.255E+11
2020 2021
4.754E+11 5.3199E+11
4.224E+11 4.6849E+11
454259.25 510224.82
484850.87 541665.24
2815.32 2156.6
30591.52 31440.31
13218.64 12698.82
2.757E+10 3.3703E+10
1.529E+10 1.6269E+10
323413.72 350732.47
394174.48 429033.37
394462.9 420673.77
2.757E+10 3.3703E+10
3.234E+11 3.5073E+11
2017 2018
Current Ratio Current Assets/Current Liabilities 1.092698 1.090445
Debt to Total Asset Ratio Total liabilities/Total asset 0.923539 0.924846
Return on Asset Net Income/Total Assets 0.006461 0.006369
Return on Equity Net Income/Equity 0.084496 0.08474
Net Profit Margin Net income/Revenue or Sales 0.183982 0.17574
Capital Adequacy Ratio Tier I capital + Tier II capital/ Risk weighted assets 0.139609 0.099677
Non Performing Loan Non-performing loans/Total loans 7.42% 5.67%
Tier 1 Capital Ratio Core Capital/ Risk weighted assets 0.091259 0.059696
Earnings Per Share 1.42 1.13
Loan To Deposit Ratio Total loan/Total deposit 0.951733 0.942566
2019 2020 2021 2017 2018 2019
1.095827 1.079357 1.119122 Current Asset 161888904791182162169495206079959529
0.926775 0.923541 0.923348 Current Liabilities 148155220306167052984737188058859329
0.00678 0.004935 0.003517 Total Liabilities 160820471822182331664801205642230287
0.092593 0.064542 0.045889 Total Asset 174135102151197148065887221890106639
0.19401 0.138722 0.12654 Net Income 1125035916 1255547301 1504433637
0.113174 0.128579 0.141154 Equity 13314630329 14816401086 16247876352
5.29% 4.29% 6.44% Revenue/Sales 6114936169 7144331423 7754432408
Tier 1 Capital 13337 10138 13070
0.075731 0.080279 0.105489 Tier 2 Capital 7066 6790 6462
1.5 1.05 0.77 Risk Weighted Assets 146144 169828 172584
0.915426 0.957309 1.006724 Non Performing Loans
Total Loans 128228 146061 160628
Total deposit 134731 154961 175468
Core Capital 13337 10138 13070
Risk weighted assets 146144 169828 172584
2020 2021
196060258804207591373024
181645423517185494838605
202506691653207831926130
219271929682225085138745
1082055142 791732961
16765238029 17253212615
7800155659 6256784530
14379 21249
8651 7184
179112 201433
162397 167538
169639 166419
14379 21249
179112 201433
