Al-ArafahIslami Bank Limited

Company profile:

Date of Registration
1st Branch

18 June 1995
Motijheel Branch, Dhaka

Opening Ceremony

27 September, 1995

Authorized Capital

5,000.00 Million

Paid-up Capital

4,677.28 Million

Local Partnership ofCapital100%
Equity
Number of Branches

9,647.45 Million
78

Deposit

52,973.97 Million

Investment

53,582.96 Million

Number of Employees1,711
Number of Shareholders

49,386

Known As

AIBL

SWIFT Code

ALARBDDH

Category

Commercial

Type

Private

Origin

Local

Description

With a vision to emerge as the leading Islami bank in Bangladesh, Al-ArafaIslami Bank was established by some
religious personalities from commerce and industries of the country. To make significant contribution to the national
economy for sustainable growth was another agenda of the bank. AIBL presents all its services and products in complianc
with Islamic Laws (Shariah). A powerful Shariah Board is constituted by renowned Islamic scholars and economists of the
country and the board carefully scrutinizes each and every service and product before offering the same to the customers.

Eight groups having five members in each. Al-ArafaIslami Bank is still working with same spirit it started with 16 years back. Micro credit program of the bank is executed under supervision of Al-ArafaIslami Bank. Liquidity Ratio 1. Cash position indicator Year Formula Value CPI . The range of loan is from Tk. create a Samitee. 3000 to Tk 50000 and the modes of loan are Fixed capital investment and Running capital investment. The credit is distributed to the members having all the other members of a group as guarantor for it.Deposit schemes Investments    Mudaraba Short Notice Deposit Mudaraba Term Deposit Monthly Profit Based Term Deposit  Monthly Installment Based Term Deposit  Al-Arafa Monthly Hajj Deposit  Al-Arafa Termed Hajj Deposit  Monthly Installment Based Marriage Savings Investment Scheme  Al-Arafa Savings Bond  Foreign Currency Deposit  Pension Deposit Scheme  Cash Waqf Deposit Scheme  MudarabaLakhpoti Deposit Scheme  Mudaraba Millionaire Deposit Scheme  Mudaraba (Special) Pension Deposit Scheme  MudarabaKotipoti Deposit Scheme  Mudaraba Double Benefit Deposit Scheme      Agriculture Industry Business Foreign Trade Construction and Housing  Transportation  Hire Purchase  Mosque and Madrasa  Village  Small Enterprise  Consumer SME Banking  Facilitation of SME entrepreneurs  Boosting up small businesses  Facilitation of Agro industries  Broaden the base of Islamic Banking in the society  Encouraging women entrepreneurs Micro Finance Al-ArafaIslami Bank performs here in full compliance with Shariah. Personal guarantee from a local eminent person is also accepted.

76 Cash +deposit/ Total asset [5.787.005.562.384 64.223.10.006.515.000.000/48.787.000.684+37.384 0.500.87 .188 Debt equity ratio Debt ratio 0.357. Debt ratio Year 2009 2010 5.175.081+2.222/48.005.000/74.031/74.684+1.000/74.753+1.515.7 Liquid asset ratio Year 2009 Formula Value LA ratio 0.643.86 Cash +deposit/ Total asset 2010 4.704+1.005.422.558. 2.188 Leverage ratio 4.951.515.562.822.006.93 0.005.411/74.451.245.787.500.12.643.000.] 2.188 0.746.704 +52. Liquid securities Indicator Year Formula Value LSI ratio % 2009 3.000. sec / Total asset*100 1.000/48.12 Cash+ reserve+ GS/ TA 4.918/48.2009 3.822.000.09 Govt.161.850.058.515.000.b Cash Reserve Requirments (CRR) and Statutory Liquidity Requirments (SLR) Cash Reserve Requirments(CRR) and Statutory Liquidity Requirments (SLR) have been calculated and maintained in accordance with Section 33 of Bank Companies Act.384*100 Govt.006. Formula TD/ TA TD/ TA Value 44.787.384 2010 0.1991 & as per Bangladesh bank Curcular No: MPD/05 Dated: 01. sec/ Total asset*100 2.188*100 2010 3.006.700.13 Cash+ reserve+ GS/ TA 3.245.

006.38*100 II/ Asset *100 1.157 6.728. Total asset turnover: Year 2007 200 Formula II/ Asset *100 Value 1.207/9.918/3.816.1 NI/ Total SH.787.647. Equity* 100 1.816.987.708/3. Advanced deposit ratio Year 2007 2008 Formula L &A / deposit L &A / deposit Value /37.951.337.448.466*100 ROE 24.61 2010 Debt/ equity 64.031/9.850.197.700.161.005.647.515.82 NI/ Total SH.207/74.36 times Profitability Ratio 9.357.137.384*100 2010 2.006.708/48.448.005.564.157*100 10) Earnings per share Year Formula value EPS .515.77 858.564.188*100 9) Return on equity Year 2009 Formula Value 858.451.Year formula 2009 Debt/ equity Value 44.558. Equity* 100 2010 18.987.67 6.466 DE ratio 12.728.058.611/48.787.472/74.45 NI/TA *100 1.188*100 TA turnover 1.411 Advanced deposit ratio Activity Ratio 7.222 /52.614.137.009. Year 2009 Return on Asset Formula NI/TA *100 Value ROA 1.

337.516.A.Tax/II* 100 NPM % 64.24 Value 19.776.06 54.24 1.987.725 NI/total no.992.776.2009 2.009.A.595/1.38 11. Net profit Margin Year 2009 Formula 2010 Value 858. Market Price Per Share Year 2009 2010 Formula value MPPS 19.53 13.708/428656737 NI/total no.472*100 176 Market Ratio 12.14 13.14 1.611*100 P.197.06/2.614.992. Price earnings Ratio Year 2009 2010 Formula Market price per share/ EPS Market price per share/ EPS PER 9.00 54.81 .Tax/II* 100 P.595/ 438.708/1.81/4.00 858. of shares outstanding *note. of shares outstanding 2010 4.987.

25 858.21 19.009.55 114.48 (24.638.83 140.10 2.56 1.89 163.99 4.43 110.388.328.589.059.95 370.337.816.54 2.13 4.80 2.59 1.Particular Investment income Profit paid to depositors Net Investment Income Commision.729.34 46.775 Growth % 3.24 730.143.667.133.47 17.378.15 873.75 69.61 3.69 1. Exchage and other Income Total Operating Income Total Operating Expense Profit before tax and provision Provision on Investment and others Profit Before tax Provision for taxation Net Profit after tax EPS 2010 4.29 908.47 1.301.30 3.61 3.25 76.34 1.50 .01 1.689.004.05 Consolidated Balance Sheet as at 31 December 2010 2009 4.70 66.50) 159.95 4.20 1.

951.981.820 5.269 2.86 5.158 3.000.74 1.438.002 74.4 .647.65 7.918 86.800.960.515.006.96 13.502.09461 74.200.510.000 36.157 74.68 5.562.018 Total Liabilities (12+13+14+15) Capital/Share holders Equity Total Share holders Equity Total Liability and Share holders Equity 64.822.000.188 3.000 11.000 7.08 5.723 655.787.058.564.680.000.448.0577 6426 8.408 79.188 1.355.77 2.384 (.690.96112 6.688 4 0.005.833.58 15972 7.819 3.082.582.51 8.704 804.297.261 4.793 466.728.643.746 (10.973.005.2010 Taka 2009 Taka 2010 (%) 2009(% ) 4.466 38.547.14529 4809 4595 100 Placement from Banks & other Financial Institutions Deposit and other Accounts Other Liabilities 5.986.965.134.09 7.044.310) 71.060 48.245.919.178.357.04 LIABILITIES AND CAPITAL Liabilities 9.04 92.787.41 52.515.006.340 53.000 2.072.022) .384 2.031 44.000.22 Deferred Tax Liabilities/ (Assets) 13.578 5.86 100 0.4 3.466 48.558.620.337.388.000.684 988.000 2.404.35 100 100 PRPROPERTY AND ASSETS Cash in hand Balance with other Banks and Financial Institutions Placement with Banks & other Financial Institutions Investment in Share & Securities Investments Fixed Assets including Premises Other Assets Non-Banking Assets Total Assets 2.94 72.496.084.

729.05 4.067 73.55 32.638.47 1.25 21.378.95 3.816.004.68 Provision for taxation 873.61 3.80 140.83 21.92 65.34 Commission.133.13 858.20 Provision on Investment and others 370.37 66.54 100 100 Profit paid to depositors Net Investment Income 3.23 Net Profit after tax 1.60 33.328.95 908.45 EPS 4.775 Horizontal analysis Balance sheet .10 81.24 64.49 4.143.009.20 75.337.83 32.85 22.68 43.95 1.99 43.59 8.2010 % 2009% 2010 2009 Investment income 4. Exchange and other Income Total Operating Income 3.388.61 2.689.15 1.51 Profit Before tax 2.059.63 24.88 Total Operating Expense Profit before tax and provision 1.90 39.589.29 105.30 4.34 1.667.69 1.07 18.56 2.301.01 730.

188 3.719.218.056 -228.986.060.90 19.404.000 2.188 2.875.113 43.178.158 3.992 40.489.578 8.355.134.000.448.820 5.703.090.480.960.55 1.260.822.289 189.438.919.384 .833.11 1.981.618.072.200.918 PRPROPERTY AND ASSETS Cash in hand Balance with other Banks and Financial Institutions Placement with Banks & other Financial Institutions Investment in Share & Securities Investments Fixed Assets including Premises Other Assets Non-Banking Assets Total Assets Change in tk Change in % 602.466 38.489.646 38.411 42.942 45.684 988.620.082.337.000.005.084.060 48.547.787.000 52.000 36.384 Placement from Banks & other Financial Institutions Deposit and other Accounts Other Liabilities 5.020 16.269 4.005.000 192.000.002 74.558.000.448.218.728.973.499.420 -18.79 14.2010 Taka 2009 Taka 4.562.691 170.340 45.17 6.510.49 25.643.63 25.704 804.245.972.006.496.64 5.297.000.804 52.340 53.787.031 44.53798852 LIABILITIES AND CAPITAL Liabilities 9.515.406.044.680.965.000 2.062 17.502.951.582.006.157 74.647.690.261 1.74 24.322.746 (10.000 116.466 48.793 466.000.833.082.468.408 Deferred Tax Liabilities/ (Assets) 13.53 -184.723 655.400.058.310) Total Liabilities (12+13+14+15) Capital/Share holders Equity Total Share holders Equity Total Liability and Share holders Equity 64.000.930 48.388.000 2.800.564.357.515.53 3.356.819 3.804 52.058.85 676.

80 140.25 142.30 4.99 957. Exchange and other Income Total Operating Income 3.775 -0.85 159.378.59 17.22% compared to previous year.69 1.328. Total operating expenses increased by 46.29 1.20 466.48 -24.61 2.009.10 2.46 Profit paid to depositors Net Investment Income 3.61 3.21 163.91 69.70 4.750.34 Total Operating Expense Profit before tax and provision 1. Commission exchange and other income increased by 159.004.89 Provision on Investment and others 370.330.95 908.76 19.143.54 Net Profit after tax 1.077.15 1.133.059.667.27 66.59 230.47 1.01 730.95 1.83 420.76 3.20 Provision for taxation 873.34 1.47% compared to previous year due to increase investment Tk.18 Investment income increased by 3.49 Commission.388.816.25% compared to previous year . On the other hand profit paid on deposits and borrowings increased by 17.337.54 138.56 2.099.729.13 858.05 4.70% compared to previous year as our Foreign exchange business increased by 52.48% compared to previous year.74 Profit Before tax 2.14 111.24 76.301.12 46.42 EPS 4.589.14 1.88 crore in 2010 and optimum utilization of surplus fund.35 -327. 17.Change in tk Change in % 2010 2009 Investment income 4.448.73 15.689.24 1.638.