ABBL at a Glance
 
 
                      Million Taka
Financial position 2013     2012     2011     2010     2009     2008 
Cash & bank balances        18,599          18,499        17,524        12,914         8,849          6,396
Investments        28,676          26,115        21,556        14,563       16,369        11,396
Money at call and short notice            991            3,672 666 380 600 1,191
Loans & advances 140,121   106,066 94,63 88,002 70,880 56,709
Fixed assets 4,173   4,230 3,854 3,926 2,441 2,445
Other assets 15,446   15,261 14,725 12,906 7,773 5,918
Total assets 208,006   173,842 152,963 132,691 106,912 84,054
Borrowings 9,987   3,649 10,248 14,200 6,125 3,193
Total deposits 161,846   140,026 116,152 95,702 83,087 68,560
Other liabilities 19,232   14,133 11,710 8,922 7,542 5,577
Equity 16,940   16,034 14,853 13,867 10,158 6,723
Total liability & SH's equity 208,006   173,842 152,963 132,691 106,912 84,054
Total contingent liabilities & commitments 83,217   59,590   52,595   44,485   28,996   26,074
Loan Deposit Ratio 86.58%   75.75% 81.48% 91.95% 85.31% 82.71%
Interest earning assets 175,978   144,167 125,049 110,453 86,768 68,580
Non-Interest earning assets 32,028   29,676 27,914 22,535 20,144 15,473
               
Profitability                        
Net interest margin   3,780   3,123   2,394   3,481   2,908   2,034
Operating income 9,755   8,435 7,743 10,898 8,269 6,153
Operating expenses          4,465            4,072          3,431          3,489         2,466          1,854
Operating profit          5,290            4,363          4,312          7,409         5,802          4,298
Provision for loans and others          2,305            1,173          1,355          1,052            598             698
Profit before tax          2,985            3,190          2,957          6,357         5,205          3,601
Provision for tax          1,974            1,752          1,629          2,661         1,842          1,300
Profit after tax          1,011            1,439            1,328            3,696           3,363            2,301
Cost income ratio 45.78%   48.27% 44.31% 32.01% 29.83% 30.14%
Return on investment (ROI) 10.37%   11.39% 14.62% 32.72% 21.06% 23.89%
Return on assets (ROA) 0.53%   0.88% 0.93% 3.08% 3.52% 3.12%
Return on equity (ROE) 6.13%   9.31% 9.25% 30.77% 39.84% 40.96%
Cost of fund 11.82%   12.07% 11.19% 9.89% 10.31% 11.09%
Earning Per Share           2.03   2.89 2.67 7.43    2.67 4.62
Net income per share           2.03   2.89 2.67 7.43 2.67 4.62
                         
Other business                        
Import      125,383        100,373        79,463        90,751       65,956        70,041
Export        72,571          65,782        57,592        41,686       30,640        28,937
Remittance (Million USD)            237              217            250            210            182             164
               
Equity measures                        
Authorized capital
         6,000
           6,000            6,000            6,000           6,000            3,000
Paid-up capital          4,976            4,423          3,686          3,205         2,564          2,230
Capital - Core (Tier I)        15,570          14,630        13,410        12,411         9,250          6,128
Capital - Supplementary (Tier II)          3,203            2,552          2,534          2,249         1,668          1,312
Total capital        18,772          17,181        15,943        14,660       10,918          7,440
Capital surplus/ (deficit)          1,385            2,532          1,920          1,345         1,072          1,644
Statutory reserve          5,565            5,005          4,390          4,396         3,101          2,066
Retained earnings          4,986            5,159          5,291          4,768         3,542          1,790
Capital adequacy ratio 10.80%   11.73% 11.37% 9.91% 11.09% 12.84%
                         
Asset quality                        
Total loans & advances      140,121        106,066        94,638        88,002       70,880        56,709
Classified loans (CL)          4,720            3,522          2,672          1,852         1,949          1,695
% CL to total loans & advances 3.37%   3.32% 2.82% 2.11% 2.75% 2.99%
Provision for unclassified loan          1,707            1,270          1,317          1,041            826             691
Provision for classified loan          2,273            1,099          1,031            921            427             658
                         
Share information                        
Market Price per share (DSE)              26                34              68            158            118               82
Dividend - %              12            12.50              25              25              45               30
Bonus - %                7            12.50              20              15              25               15
Cash - %                5                -                  5              10              20               15
Price earning ratio (times)          12.90            10.36          22.75          18.91         15.48          15.81
Net Asset Value per share (Taka)              34                36              40              43              40               30
                         
Distribution network                        
Number of branches              89                87              86              82              78               73
Number of SME service center              11                11              11              11              10               -  
Employee number          2,179            2,070          2,096          2,008         1,952          1,804