ABBL at a Glance - AB Bank PLC.

AB Bank
>
ABBL at a Glance

ABBL at a Glance

FINANCIAL POSITION	2014	2013	2012	2011	2010
Cash & bank balances	20,436	18,599	18,499	17,524	12,914
Investments	30,779	28,676	26,115	21,556	14,563
Money at call and short notice	3,863	991	3,672	666	380
Loans & advances	177,571	140,121	106,066	94,63	88,002
Fixed assets	4,405	4,173	4,230	3,854	3,926
Other assets	17,614	15,446	15,261	14,725	12,906
Total assets	254,668	208,006	173,842	152,963	132,691
Borrowings	10,977	9,987	3,649	10,248	14,200
Total deposits	198,189	161,846	140,026	116,152	95,702
Other liabilities	27,345	19,232	14,133	11,710	8,922
Equity	18,157	16,940	16,034	14,853	13,867
Total liability & SH's equity	254,668	208,006	173,842	152,963	132,691
Total contingent liabilities & commitments	77,069	83,217	59,590	52,595	44,485
Loan Deposit Ratio	89.60%	86.58%	75.75%	81.48%	91.95%
Interest earning assets	215,691	175,978	144,167	125,049	110,453
Non-Interest earning assets	38,977	32,028	29,676	27,914	22,535

PROFITABILITY
Net interest margin	6,079	3,780	3,123	2,394	3,481
Operating income	12,155	9,755	8,435	7,743	10,898
Operating expenses	5,230	4,465	4,072	3,431	3,489
Operating profit	6,925	5,290	4,363	4,312	7,409
Provision for loans and others	2,286	2,305	1,173	1,355	1,052
Profit before tax	3,979	2,985	3,190	2,957	6,357
Provision for tax	2,719	1,974	1,752	1,629	2,661
Profit after tax	1,260	1,011	1,439	1,328	3,696
Cost income ratio	43.03%	45.78%	48.27%	48.27%	32.01%
Return on investment (ROI)	9.68%	10.37%	11.39%	14.62%	32.72%
Return on assets (ROA)	0.54%	0.53%	0.88%	0.93%	3.08%
Return on equity (ROE)	7.18%	6.13%	9.31%	9.25%	30.77%
Cost of fund	10.63%	11.82%	12.07%	11.19%	9.89%
Earning Per Share	2.37	2.03	2.89	2.67	7.43
Net income per share	2.37	2.03	2.89	2.67	7.43

OTHER BUSINESS
Import	112,220	125,383	100,373	79,463	90,751
Export	77,252	72,571	65,782	57,592	41,686
Remittance (Million USD)	299	237	217	250	210

EQUITY MEASURES
Authorized capital	6,000	6,000	6,000	6,000	6,000
Paid-up capital	5,325	4,976	4,423	3,686	3,205
Capital - Core (Tier I)	16,561	15,570	14,630	13,410	12,411
Capital - Supplementary (Tier II)	6,238	3,203	2,552	2,534	2,249
Total capital	22,799	18,772	17,181	15,943	14,660
Capital surplus/ (deficit)	712	1,385	2,532	1,920	1,345
Statutory reserve	5,582	5,565	5,005	4,390	4,396
Retained earnings	5,612	4,986	5,159	5,291	4,768
Capital adequacy ratio	10.32%	10.80%	11.73%	11.37%	9.91%

ASSET QUALITY
Total loans & advances	177,571	140,121	106,066	94,638	88,002
Classified loans (CL)	6,856	4,720	3,522	2,672	1,852
% CL to total loans & advances	3.86%	3.37%	3.32%	2.82%	2.11%
Provision for unclassified loan	1,930	1,707	1,270	1,317	1,041
Provision for classified loan	2,924	2,273	1,099	1,031	921

SHARE INFORMATION
Market Price per share (DSE)	29.90	26	34	68	158
Dividend - %	12.5	12	12.50	25	25
Bonus - %	12.5	7	12.50	20	15
-	Cash - %	5	-	5	10
Price earning ratio (times)	12.64	12.90	10.36	22.75	18.91
Net Asset Value per share (Taka)	34.10	34	36	40	43

DISTRIBUTION NETWORK
Number of branches	93	89	87	86	82
Number of SME service center	11	11	11	11	11
Employee number	2,220	2,179	2,070	2,096	2,008