income statement

Balance sheet:

Calculate this ratio for 2019 & 2018

2019 2018 Notes 19.a 20.a BDT 4,265,779,231 (2,349,877,488) 1,915,901,743 53,120,905 BDT 4,659,797,325 (2,339,014,363) 2,320,782,962 25,702,556 21.a 22.a 23.a Interest income Interest paid on deposits, borrowings, etc. Net interest income Investment income Commission, exchange and brokerage Other operating income Total operating income Salary and allowances Rent, taxes, insurance, electricity, etc. Legal expenses Postage, stamp, telecommunication, etc. Stationery, printing, advertisements, etc. Managing Director's salary and benefits Directors' fees Auditors' fees Depreciation and repair of company's assets Other expenses Total operating expenses 24.a 25.a 26.a 27.a 28.a 29.a 30.a 31.a 32.a 33.a 27,856,031 1,996,878,679 133,287,296 28,810,022 1,945,422 2,933,006 4,854,139 14,300,000 829,290 361,3341 48,305,631 40,130,062 275.756.202 20,869,341 2,367,354,859 101,205,865 35,849,124 2,773,395 3,174,090 7,665,820 14,300,000 1,079,280 521,334 21,979,531 24,219,443 212.767.8821 34 1,721,122,477 241,408,435 1,962,530,912 (77,064,251) 124,693,671 2,154,586,977 243,080,896 2,397,667,873 458,887,988 266,858,593 35.a 36.a Profit from main operations Profit from merchant banking operations Profit before provision Provision against loans, advances and leases Provision for diminution in value of investments Other provisions Total provisions Profit before tax Provision for taxation Current tax Deferred tax 47,629,420 1,914,901,492 725,746,581 1,671,921,292 12.2.3.b 12.2.3.b 721,678,502 10,000,000 731,678,502 1,183,222,990 626,970,485 10,000,000 636,970,485 1,034,950,808 Net profit after tax Attributable to: Shareholders of the Company Non-controlling interest 1,183,222,585 405 1,183,222,990 Appropriations to: Statutory reserve General reserve Dividend equalisation reserve Cash dividend 700,000,000 483,222,990 625,661,440 409,289,368 Retained Surplus Balance Sheet Notes 1 Profit & Loss AC Notes 2 Sheet4 2019 2018 Notes BDT BDT 3.a Property and assets Cash In hand (including foreign currencies) Balance with Bangladesh Bank and its agent bank (including foreign currencies) 332,938,458 6,792 353,637,642 1,220 332,931,666 353,636,422 4.a Balance with other banks and financial institutions In Bangladesh 1,310,454,985 1,310,454,985 1,594,593,962 1,594,593,962 Outside Bangladesh Money at call and on short notice Investments 5.a 6.a 2,097,444,935 1,545,147,427 Government Others 2,097,444,935 1,545, 147,427 + Natan 1 DOLA Matan ht * 7.a Loans, advances and leases Leases, loans, cash credits, overdrafts, etc. Bills purchased and discounted 37,083,078,010 37,083,078,0101 35,922,425,642 35,922,425,642 8.a Fixed assets including land, building, furniture and fixtures Other assets Non-banking assets 112,693,693 1,666,260,591 109,685,031 1,701,312,350 9.a 42,602,870,672 41,226,802,054 Total assets Liabilities and capital Liabilities Borrowings from other banks, financial institutions & agents Deposits and other accounts 10.a 7,670,508,646 8,274,424,038 18,772,134,622 18,015,388,056 Current deposits and other accounts Bills payable Savings bank deposits 11.a 18,772,134,6221 18,015,388,056 Term deposits Bearer certificates of deposit Other deposits A B D Total liabilities 34,782,492,132 34,339,205,544 13 Capital/Shareholders' equity Paid-up capital Statutory reserve General reserve Share premium Dividend equalisation reserve Retained earnings Total Equity attributable to equity holders of the company 14.a 15 16 1,252,204,800 1,554,486,003 2,450,000,000 528,000,000 1,100,000,000 935,677,366 7,820,368,169 1,252,204,800 1,554,486,003 1,950,000,000 528,000,000 900,000,000 702,905,707 6,887,596,510 17.a 39 Non-controlling interest Total liabilities and shareholders' equity 10,371 42,602,870,672 41,226,802,054 OFF-BALANCE SHEET ITEMS Contingent liabilities Acceptances and endorsements Letters of guarantee Irrevocable letters of credit Bills of collection Other contingent liabilities Other commitments Bills of collection Other contingent liabilities Other commitments Documentary credits and short term trade-related transactions Forward assets purchased and forward deposits placed Un-drawn note issuance and revolving underwriting facilities Un-drawn formal standby facilities, credit lines Total off-balance sheet items including contingent liabilities These financial statements should be read in conjunction with the annexed notes Net Asset Value (NAV) per share 38.a 62.45 55.00 Profit Margin Interest Expense Total Operating Income ROA Net Income Total Operating Income Net Income Total Assets Provision for Loan Losses Total Operating Income ROE Noninterest Expense Total Operating Income Net Income Total Equity Capital Income Taxes Total Operating Income Asset Utilization Interest Income Total Assets (components) Total Operating Income Total Assets Equity Multiplier Total Assets Total Equity Capital Noninterest Income Total Assets (components) 2019 2018 Notes 19.a 20.a BDT 4,265,779,231 (2,349,877,488) 1,915,901,743 53,120,905 BDT 4,659,797,325 (2,339,014,363) 2,320,782,962 25,702,556 21.a 22.a 23.a Interest income Interest paid on deposits, borrowings, etc. Net interest income Investment income Commission, exchange and brokerage Other operating income Total operating income Salary and allowances Rent, taxes, insurance, electricity, etc. Legal expenses Postage, stamp, telecommunication, etc. Stationery, printing, advertisements, etc. Managing Director's salary and benefits Directors' fees Auditors' fees Depreciation and repair of company's assets Other expenses Total operating expenses 24.a 25.a 26.a 27.a 28.a 29.a 30.a 31.a 32.a 33.a 27,856,031 1,996,878,679 133,287,296 28,810,022 1,945,422 2,933,006 4,854,139 14,300,000 829,290 361,3341 48,305,631 40,130,062 275.756.202 20,869,341 2,367,354,859 101,205,865 35,849,124 2,773,395 3,174,090 7,665,820 14,300,000 1,079,280 521,334 21,979,531 24,219,443 212.767.8821 34 1,721,122,477 241,408,435 1,962,530,912 (77,064,251) 124,693,671 2,154,586,977 243,080,896 2,397,667,873 458,887,988 266,858,593 35.a 36.a Profit from main operations Profit from merchant banking operations Profit before provision Provision against loans, advances and leases Provision for diminution in value of investments Other provisions Total provisions Profit before tax Provision for taxation Current tax Deferred tax 47,629,420 1,914,901,492 725,746,581 1,671,921,292 12.2.3.b 12.2.3.b 721,678,502 10,000,000 731,678,502 1,183,222,990 626,970,485 10,000,000 636,970,485 1,034,950,808 Net profit after tax Attributable to: Shareholders of the Company Non-controlling interest 1,183,222,585 405 1,183,222,990 Appropriations to: Statutory reserve General reserve Dividend equalisation reserve Cash dividend 700,000,000 483,222,990 625,661,440 409,289,368 Retained Surplus Balance Sheet Notes 1 Profit & Loss AC Notes 2 Sheet4 2019 2018 Notes BDT BDT 3.a Property and assets Cash In hand (including foreign currencies) Balance with Bangladesh Bank and its agent bank (including foreign currencies) 332,938,458 6,792 353,637,642 1,220 332,931,666 353,636,422 4.a Balance with other banks and financial institutions In Bangladesh 1,310,454,985 1,310,454,985 1,594,593,962 1,594,593,962 Outside Bangladesh Money at call and on short notice Investments 5.a 6.a 2,097,444,935 1,545,147,427 Government Others 2,097,444,935 1,545, 147,427 + Natan 1 DOLA Matan ht * 7.a Loans, advances and leases Leases, loans, cash credits, overdrafts, etc. Bills purchased and discounted 37,083,078,010 37,083,078,0101 35,922,425,642 35,922,425,642 8.a Fixed assets including land, building, furniture and fixtures Other assets Non-banking assets 112,693,693 1,666,260,591 109,685,031 1,701,312,350 9.a 42,602,870,672 41,226,802,054 Total assets Liabilities and capital Liabilities Borrowings from other banks, financial institutions & agents Deposits and other accounts 10.a 7,670,508,646 8,274,424,038 18,772,134,622 18,015,388,056 Current deposits and other accounts Bills payable Savings bank deposits 11.a 18,772,134,6221 18,015,388,056 Term deposits Bearer certificates of deposit Other deposits A B D Total liabilities 34,782,492,132 34,339,205,544 13 Capital/Shareholders' equity Paid-up capital Statutory reserve General reserve Share premium Dividend equalisation reserve Retained earnings Total Equity attributable to equity holders of the company 14.a 15 16 1,252,204,800 1,554,486,003 2,450,000,000 528,000,000 1,100,000,000 935,677,366 7,820,368,169 1,252,204,800 1,554,486,003 1,950,000,000 528,000,000 900,000,000 702,905,707 6,887,596,510 17.a 39 Non-controlling interest Total liabilities and shareholders' equity 10,371 42,602,870,672 41,226,802,054 OFF-BALANCE SHEET ITEMS Contingent liabilities Acceptances and endorsements Letters of guarantee Irrevocable letters of credit Bills of collection Other contingent liabilities Other commitments Bills of collection Other contingent liabilities Other commitments Documentary credits and short term trade-related transactions Forward assets purchased and forward deposits placed Un-drawn note issuance and revolving underwriting facilities Un-drawn formal standby facilities, credit lines Total off-balance sheet items including contingent liabilities These financial statements should be read in conjunction with the annexed notes Net Asset Value (NAV) per share 38.a 62.45 55.00 Profit Margin Interest Expense Total Operating Income ROA Net Income Total Operating Income Net Income Total Assets Provision for Loan Losses Total Operating Income ROE Noninterest Expense Total Operating Income Net Income Total Equity Capital Income Taxes Total Operating Income Asset Utilization Interest Income Total Assets (components) Total Operating Income Total Assets Equity Multiplier Total Assets Total Equity Capital Noninterest Income Total Assets (components)