ABBL at a Glance
 
 
                      Million Taka
Financial position 2014    2013     2012     2011     2010     2009 
Cash & bank balances 20,436          18,599          18,499        17,524        12,914         8,849
Investments 30,779          28,676          26,115        21,556        14,563       16,369
Money at call and short notice 3,863              991            3,672 666 380 600
Loans & advances 177,571   140,121   106,066 94,63 88,002 70,880
Fixed assets 4,405   4,173   4,230 3,854 3,926 2,441
Other assets 17,614   15,446   15,261 14,725 12,906 7,773
Total assets 254,668   208,006   173,842 152,963 132,691 106,912
Borrowings 10,977   9,987   3,649 10,248 14,200 6,125
Total deposits 198,189   161,846   140,026 116,152 95,702 83,087
Other liabilities 27,345   19,232   14,133 11,710 8,922 7,542
Equity 18,157   16,940   16,034 14,853 13,867 10,158
Total liability & SH's equity 254,668   208,006   173,842 152,963 132,691 106,912
Total contingent liabilities & commitments 77,069   83,217   59,590   52,595   44,485   28,996
Loan Deposit Ratio 89.60%   86.58%   75.75% 81.48% 91.95% 85.31%
Interest earning assets 215,691   175,978   144,167 125,049 110,453 86,768
Non-Interest earning assets 38,977   32,028   29,676 27,914 22,535 20,144
                 
Profitability                        
Net interest margin   6,079   3,780   3,123   2,394   3,481   2,908
Operating income 12,155   9,755   8,435 7,743 10,898 8,269
Operating expenses 5,230            4,465            4,072          3,431          3,489         2,466
Operating profit 6,925            5,290            4,363          4,312          7,409         5,802
Provision for loans and others 2,286            2,305            1,173          1,355          1,052            598
Profit before tax 3,979            2,985            3,190          2,957          6,357         5,205
Provision for tax 2,719            1,974            1,752          1,629          2,661         1,842
Profit after tax 1,260            1,011            1,439            1,328            3,696           3,363
Cost income ratio 43.03%   45.78%   48.27% 44.31% 32.01% 29.83%
Return on investment (ROI) 9.68%   10.37%   11.39% 14.62% 32.72% 21.06%
Return on assets (ROA) 0.54%   0.53%   0.88% 0.93% 3.08% 3.52%
Return on equity (ROE) 7.18%   6.13%   9.31% 9.25% 30.77% 39.84%
Cost of fund 10.63%   11.82%   12.07% 11.19% 9.89% 10.31%
Earning Per Share 2.37             2.03   2.89 2.67 7.43    2.67
Net income per share 2.37             2.03   2.89 2.67 7.43 2.67
                         
Other business                        
Import 112,220        125,383        100,373        79,463        90,751       65,956
Export 77,252          72,571          65,782        57,592        41,686       30,640
Remittance (Million USD) 299              237              217            250            210            182
                 
Equity measures                        
Authorized capital 6,000   6,000            6,000            6,000            6,000           6,000
Paid-up capital 5,325            4,976            4,423          3,686          3,205         2,564
Capital - Core (Tier I) 16,561          15,570          14,630        13,410        12,411         9,250
Capital - Supplementary (Tier II) 6,238            3,203            2,552          2,534          2,249         1,668
Total capital 22,799          18,772          17,181        15,943        14,660       10,918
Capital surplus/ (deficit) 712            1,385            2,532          1,920          1,345         1,072
Statutory reserve 5,582            5,565            5,005          4,390          4,396         3,101
Retained earnings 5,612            4,986            5,159          5,291          4,768         3,542
Capital adequacy ratio 10.32%   10.80%   11.73% 11.37% 9.91% 11.09%
                         
Asset quality                        
Total loans & advances 177,571        140,121        106,066        94,638        88,002       70,880
Classified loans (CL) 6,856            4,720            3,522          2,672          1,852         1,949
% CL to total loans & advances 3.86%   3.37%   3.32% 2.82% 2.11% 2.75%
Provision for unclassified loan 1,930            1,707            1,270          1,317          1,041            826
Provision for classified loan 2,924            2,273            1,099          1,031            921            427
                         
Share information                        
Market Price per share (DSE) 29.90                26                34              68            158            118
Dividend - % 12.5                12            12.50              25              25              45
Bonus - % 12.5                  7            12.50              20              15              25
Cash - % -                  5                -                  5              10              20
Price earning ratio (times) 12.64            12.90            10.36          22.75          18.91         15.48
Net Asset Value per share (Taka) 34.10                34                36              40              43              40
                         
Distribution network                        
Number of branches 93                89                87              86              82              78
Number of SME service center 11                11                11              11              11              10
Employee number 2,220            2,179            2,070          2,096          2,008         1,952