2013 2014 (Year) 2015 (Year) 2016

City bank
Balance Sheet
Total assets 147,559,557,572 176,925,080,453 214,205,369,487 259,402,327,831

Total liabilities 129,365,547,214 154,615,036,121 189,621,732,054 234,898,054,183

Shareholders' equity 18,188,190,454 22,306,994,448 24,581,102,654 24,504,178,380

Total liabilities and shareholders'

147,559,557,572 176,925,080,453 214,205,369,487 259,402,327,831
equity

Book Value Per Share 26.17 26.74 28.07 27.98

Paid up capital 6,950,778,030 8,340,933,630 8,757,980,310 8,757,980,310

Income statement
Net interest income 4,800,383,826 5,058,318,797 25,051,053,934 6,511,190,280

Total operating income 8,852,944,238 10,758,174,836 13,086,570,870 14,888,674,513

Total operating expenses 4,897,752,862 5,891,953,237 6,317,908,425 7,108,675,635

Profit before provision against

3,955,191,376 4,866,221,599 6,768,662,445 7,779,998,878
loans and advances

Total provision 2,537,817,665 1,724,927,013 2,206,869,521 2,146,987,885

Profit before tax 1,417,373,711 3,141,294,586 4,561,792,924 5,633,010,993
Net profit after tax 490,227,417 1,706,111,413 3,593,142,337 4,062,730,187
Audited EPS 0.71 2.05 4.1 4.64

Cash Flow
Net cash from operating activities 10,422,481,798 -1,499,330,948 10,327,545,451 13,069,340,273

Net cash used in investing

-1,351,891,686 -799,918,346 -4,164,392,012 -576,495,321
activities
Net Cash used in financing
-- 3,000,000,000 -1,348,827,692 -2,029,187,172
activities
Net increase/(decrease) in cash
9,070,590,112 700,750,706 4,814,325,747 10,463,657,780
and cash equivalents
Cash & Cash Equivalents at
18,100,781,144 27,740,359,862 29,096,461,058 34,702,864,919
beginning of the year
Cash and cash equivalents at end
27,740,359,862 29,096,461,058 34,702,864,919 45,997,979,984
of the year
(Year) 2017
(Year)

278,067,080,739.00

251,887,994,726.00

26,178,985,506.00

278,067,080,739.00

28.4

9,218,926,640.00

7,539,256,386.00

15,188,923,733.00

8,386,945,792.00

6,801,977,941.00

1,687,893,215.00
5,114,084,726.00
3,458,678,454.00
3.75

-4,454,475,601.00

-6,420,683,757.00

3,431,331,593

-7,443,827,765.00

45,997,979,984.00

39,935,635,034.00
 2013 2014 2015
(Year) (Year) (Year)
Cash 10,422,412,502 10,928,555,074 15,437,617,332

In hand (Including foreign

3,140,947,220 2,497,043,107 2,998,982,425
currencies)

Balances with Bangladesh bank and

sonali bank (Including foreign 7,281,465,282 8,431,511,967 12,438,634,907
currencies)

Balance with other banks and

3,663,583,361 5,191,461,946 15,915,975,258
financial institution

In Bangladesh 3,263,726,466 3,632,420,929 15,502,528,823

Outside Bangladesh 399,856,895 1,559,041,017 413,446,435

Money at call and short notice 3,956,729,167 1,998,379,167 95,379,167

Investment in shares & securities 27,650,110,861 30,427,381,815 26,016,962,928

Government 21,985,302,692 23,737,817,554 19,691,517,972

Others 5,664,808,169 6,689,564,261 6,325,444,956

Loans and advances/Investment 90,867,649,445 116,489,737,058 143,014,672,164

Loans, cash credits,

86,008,995,489 111,476,616,174 138,156,604,652
overdrafts/General Investments

Bills discounted and purchased 4,858,653,956 5,013,120,884 4,858,067,512

Land, building, furniture and fixtures

6,851,347,927 8,144,060,566 8,172,221,437
(Including leased assets)

Non-Banking Assets 382,622,964 384,551,746 792,824,667

Other assets 3,765,101,345 3,360,953,081 4,759,716,534

Total assets 147,559,557,572 176,925,080,453 214,205,369,487

Borrowings from other banks,
8,164,496,951 3,000,000,000 22,079,989,593
financial institutions and agents

Deposits and other accounts 107,056,026,378 118,441,981,113 143,405,499,308

Current /Al-Wadeeah current and

10,726,153,314 14,288,303,427 20,417,719,100
other deposit accounts

Savings deposits/Mudaraba Savings

18,606,964,869 22,987,673,384 31,213,313,434
Deposits

Mudarabba/ Term and Fixed

76,884,375,052 80,254,321,798 89,798,021,718
deposits

Bearer certificates of deposits -- -- --

Bills payable 838,533,143 911,682,504 1,976,445,056

Other liabilities 14,145,023,885 15,976,286,808 21,136,243,153

Subordinated Debt/Mudaraba bond -- -- 3,000,000,000

Deferred Tax Liabilities/(Assets) -- 17,196,768,200 --

Total liabilities 129,365,547,214 154,615,036,121 189,621,732,054

Shareholders' equity 18,188,190,454 22,306,994,448 24,581,102,654

Minority Interest 5,819,904 3,049,884 2,534,779

Total liabilities and

147,559,557,572 176,925,080,453 214,205,369,487
shareholders' equity

Book Value Per Share 26.17 26.74 28.07

Paid up capital 6,950,778,030 8,340,933,630 8,757,980,310

Regulatory Capital 16,697,080,000 -- --

Non-performing loan -7,251,011,770 -- --

Cost of deposits/funds 0.07 -- --

Interest earning assets 130,066,870,000 -- --

2016 2017
(Year) (Year)
24,484,298,511 23,787,103,908.00

3,788,022,776 4,447,800,960.00

20,696,275,735 19,339,302,948.00

14,085,672,503 13,693,645,550.00

13,180,057,080 12,704,276,112.00

905,615,423 989,369,438.00

91,379,167 89,379,167.00

27,896,112,618 31,931,554,373.00

22,048,912,713 22,099,527,532.00

5,847,199,905 9,832,026,841.00

176,046,221,343 197,072,832,915.00

168,770,828,388 192,350,678,263.00

7,275,392,955 4,722,154,652.00

8,117,746,315 3,642,729,555.00

956,925,360 881,668,179.00

7,723,972,014 6,968,167,092.00

259,402,327,831 278,067,080,739
 31,695,262,081 38,729,567,834.00

174,417,547,695 182,902,922,173.00

24,384,173,334 25,072,617,911.00

34,994,257,334 39,082,904,954.00

113,451,963,172 117,391,667,208.00

-- --

1,587,153,855 1,355,732,100.00

25,785,244,407 23,005,504,719.00

3,000,000,000 7,250,000,000

-- --

234,898,054,183 251,887,994,726

24,504,178,380 26,178,985,506

95,268 100,507.00

259,402,327,831 278,067,080,739

27.98 28.4

8,757,980,310 9,218,926,640

-- --

-- --
 -- --

190,223,273,013 210,855,857,632.00
 2013 2014 2015 2016
(Year) (Year) (Year) (Year)

Interest income 13,407,567,626 13,973,036,691 15,228,190,245 16,057,152,921

Interest paid on deposits and

8,607,183,800 8,914,717,894 -9,822,863,689 9,545,962,641
borrowings

Net interest income 4,800,383,826 5,058,318,797 25,051,053,934 6,511,190,280

Income from investments 1,675,290,499 2,859,628,617 4,527,078,328 4,903,835,104

Commission, exchange and brokerage

1,615,094,656 1,968,813,803 2,142,651,667 2,423,967,973
Income

Other operating income 762,175,257 871,413,619 6,416,840,875 1,049,681,156

Total operating income 8,852,944,238 10,758,174,836 13,086,570,870 14,888,674,513

Salaries, allowances and other benefits 2,454,346,593 2,936,827,991 3,269,837,185 3,755,320,060

Other operating expense 2,443,406,269 2,955,125,246 3,048,071,240 -3,755,320,060

Total operating expenses 4,897,752,862 5,891,953,237 6,317,908,425 7,108,675,635

Profit before provision against

3,955,191,376 4,866,221,599 6,768,662,445 7,779,998,878
loans and advances

Total provision 2,537,817,665 1,724,927,013 2,206,869,521 2,146,987,885

Profit before tax 1,417,373,711 3,141,294,586 4,561,792,924 5,633,010,993

Current Tax -- 1,585,366,117 1,646,005,974 1,716,485,289

Deferred tax -- -150,182,944 -677,355,387 -146,204,483

Provision for tax 927,146,294 1,435,183,173 968,650,587 1,570,280,806

Net profit after tax 490,227,417 1,706,111,413 3,593,142,337 4,062,730,187

Audited EPS 0.71 2.05 4.1 4.64

2017
(Year)

16,819,464,242.00

9,280,207,856.00

7,539,256,386

3,030,038,998.00

3,308,317,471.00

1,311,310,878.00

15,188,923,733

4,363,800,589.00

-4,363,800,589.00

8,386,945,792

6,801,977,941

1,687,893,215

5,114,084,726

1,892,815,199

-237,408,927

1,655,406,272.00

3,458,678,454

3.75
 2013 2014 2015 2016 2017
(Year) (Year) (Year) (Year) (Year)

Interest receipts/Investment
13,849,255,317 14,029,697,224 15,150,223,509 16,131,418,614 16,683,356,217.00
income in cash

Interest payments/Profit
-7,741,336,885 -7,092,741,095 -7,264,485,479 -7,148,073,279 -12,108,363,675.00
paid on deposits in cash

Dividend receipts from

investment in shares & 89,344,391 178,487,759 243,250,240 356,141,846 402,956,965.00
securities

Fees and commission

1,046,110,520 1,312,545,675 1,350,573,554 1,609,345,890 1,945,423,622.00
receipts in cash

Recoveries of loans
228,336,832 151,243,705 365,813,326 592,977,114 187,182,883.00
previously written off

Cash payments to
-2,380,204,284 -2,814,905,381 -3,127,614,331 -3,560,658,390 -4,383,976,792.00
employees

Cash payments to suppliers -98,989,417 -96,090,942 -97,908,144 -89,736,106 -131,639,364.00

Income taxes paid -1,065,299,472 -1,146,568,032 -980,052,952 -1,974,674,084 -1,638,049,715.00

Receipts from other

2,410,456,888 3,276,239,351 5,411,123,474 5,454,692,081 4,646,361,630.00
operating activities

Payments from other

-2,144,111,547 -2,421,615,271 -2,390,415,357 -2,627,818,255 -3,304,539,140.00
operating activities

Cash generated from

operating activities before
4,193,562,343 5,376,292,993 8,660,507,840 8,743,615,431 2,298,712,631.00
changes in operating assets
and liabilities

Loans and advances to

-7,932,669,491 -25,622,087,613 -26,524,935,106 -33,031,549,178 -21,026,611,573.00
consumers

Other assets 553,030,263 6,290,832,509 -959,040,156 -825,763,692 896,547,697.00

Deposits from other

10,359,745,637 -104,929,648 1,631,382,333 6,947,916,216 7,575,910,722.00
banks/borrowings
Other liabilities -2,165,996,320 -1,566,832,664 -695,726,714 -2,444,283,162 -2,145,472,110.00

Net increase / (decrease) in

6,228,919,455 -6,875,623,941 1,667,037,611 4,325,724,842 -6,753,188,232.00
operating liabilities

Net cash from operating

10,422,481,798 -1,499,330,948 10,327,545,451 13,069,340,273 -4,454,475,601
activities

Proceeds from sale of

132,195,952 417,918,484 564,988,941 -- --
securities

(Purchase)/Sale of securities -214,515,337 -547,428,283 -3,813,963,627 -1,445,267,273 -273,550,603.00

(Purchase)/Sale of
property ,plant and -1,269,572,301 -670,408,547 -915,417,326 -649,372,306 -1,066,409,434.00
equipment

Other investment activities -- -- -- 1,518,144,258 -5,080,723,720

Net cash used in

-1,351,891,686 -799,918,346 -4,164,392,012 -576,495,321 -6,420,683,757
investing activities

Deposits from customers 5,414,809,366 14,127,393,475 28,215,357,254 33,679,404,658 7,946,437,032.00

Receipts from issue of

-- -- -- -- 4,250,000,000
subordinated bond

Receipt from issue of right

-- -- -- -- 1,304,478,114
share

Dividend paid -- -- -1,348,827,692 -2,029,187,172 -2,123,146,521

Other financing activities -- 3,000,000,000 -- -- --

Net Cash used in

-- 3,000,000,000 -1,348,827,692 -2,029,187,172 3,431,331,593
financing activities

Net increase/(decrease)
in cash and cash 9,070,590,112 700,750,706 4,814,325,747 10,463,657,780 -7,443,827,765
equivalents

Effects of Exchange Rate

Changes on Cash & Cash 568,988,606 655,350,490 792,078,114 831,457,285 1,381,482,815.00
Equivalent
Cash & Cash Equivalents
18,100,781,144 27,740,359,862 29,096,461,058 34,702,864,919 45,997,979,984
at beginning of the year

Cash and cash

equivalents at end of the 27,740,359,862 29,096,461,058 34,702,864,919 45,997,979,984 39,935,635,034
year