ABBL at a Glance
 
 
                  Million Taka
Financial position  2012     2011     2010     2009     2008 
Cash & bank balances        18,499        17,524        12,914         8,849          6,396
Investments        26,115        21,556        14,563       16,369        11,396
Money at call and short notice          3,672            666            380            600          1,191
Loans & advances      106,066        94,638        88,002       70,880        56,709
Fixed assets          4,230          3,854          3,926         2,441          2,445
Other assets        15,261        14,725        12,906         7,773          5,918
    Total assets      173,842      152,963      132,691      106,912        84,054
Borrowings          3,649        10,248        14,200         6,125          3,193
Total deposits      140,026      116,152        95,702       83,087        68,560
Other liabilities        14,133        11,710          8,922         7,542          5,577
Equity        16,034        14,853        13,867       10,158          6,723
    Total liability & SH's equity      173,842      152,963      132,691      106,912        84,054
Total contingent liabilities & commitments        59,590          52,595          44,485         28,996          26,074
Loan Deposit Ratio 75.75% 81.48% 91.95% 85.31% 82.71%
Interest earning assets      144,167      125,049      110,453       86,768        68,580
Non-Interest earning assets        29,676        27,914        22,535       20,144        15,473
           
Profitability                    
Net interest margin             3,123            2,394            3,481           2,908            2,034
Operating income          8,435          7,743        10,898         8,269          6,153
Operating expenses          4,072          3,431          3,489         2,466          1,854
Operating profit          4,363          4,312          7,409         5,802          4,298
Provision for loans and others          1,173          1,355          1,052            598             698
Profit before tax          3,190          2,957          6,357         5,205          3,601
Provision for tax          1,752          1,629          2,661         1,842          1,300
Profit after tax          1,439            1,328            3,696           3,363            2,301
Cost income ratio 48.27% 44.31% 32.01% 29.83% 30.14%
Return on investment (ROI) 11.39% 14.62% 32.72% 21.06% 23.89%
Return on assets (ROA) 0.88% 0.93% 3.08% 3.52% 3.12%
Return on equity (ROE) 9.31% 9.25% 30.77% 39.84% 40.96%
Cost of fund 12.07% 11.19% 9.89% 10.31% 11.09%
Earning Per Share           3.25           3.00           8.36           7.60            5.20
Net income per share           3.25           3.00           8.36           7.60            5.20
                     
Other business                    
Import      100,373        79,463        90,751       65,956        70,041
Export        65,782        57,592        41,686       30,640        28,937
Remittance (Million USD)            217            250            210            182             164
           
Equity measures                    
Authorized capital          6,000            6,000            6,000           6,000            3,000
Paid-up capital          4,423          3,686          3,205         2,564          2,230
Capital - Core (Tier I)        14,630        13,410        12,411         9,250          6,128
Capital - Supplementary (Tier II)          2,552          2,534          2,249         1,668          1,312
Total capital        17,181        15,943        14,660       10,918          7,440
Capital surplus/ (deficit)          2,532          1,920          1,345         1,072          1,644
Statutory reserve          5,005          4,390          4,396         3,101          2,066
Retained earnings          5,159          5,291          4,768         3,542          1,790
Capital adequacy ratio 11.73% 11.37% 9.91% 11.09% 12.84%
                     
Asset quality                    
Total loans & advances      106,066        94,638        88,002       70,880        56,709
Classified loans (CL)          3,522          2,672          1,852         1,949          1,695
% CL to total loans & advances 3.32% 2.82% 2.11% 2.75% 2.99%
Provision for unclassified loan          1,270          1,317          1,041            826             691
Provision for classified loan          1,099          1,031            921            427             658
                     
Share information                    
Market Price per share (DSE)              34              68            158            118               82
Dividend - %          12.50              25              25              45               30
Bonus - %          12.50              20              15              25               15
Cash - %              -                  5              10              20               15
Price earning ratio (times)          10.36          22.75          18.91         15.48          15.81
Net Asset Value per share (Taka)              36              40              43              40               30
                     
Distribution network                    
Number of branches              87              86              82              78               73
Number of SME service center              11              11              11              10               -  
Employee number          2,070          2,096          2,008         1,952          1,804