MIRA INFORM REPORT

 

 

Report Date :

03.03.2014

 

IDENTIFICATION DETAILS

 

Name :

UNITED COMMERCIAL BANK LTD

 

 

Registered Office :

Bulus Center, Plot - CWS- (A)-1, Road No – 34, Gulshan Avenue, Dhaka, 1212

 

 

Country :

Bangladesh

 

 

Financials (as on) :

31.12.2012

 

 

Date of Incorporation :

26.06.1983

 

 

Legal Form :

Public Independent

 

 

Line of Business :

Subject is engaged in all kinds of commercial banking activities/services to its customers through its branches and electronic delivery channels in Bangladesh. Its products and services includes UCB multi millionaire, UCB money maximizer, UCB earning plus, UCB DPS plus, western union money transfer, short message service banking service, online service, credit card, one stop service, time deposit scheme, monthly savings scheme, deposit insurance scheme, inward and outward remittances, travelers cheques, import finance, export finance, working capital finance, loan syndication, and underwriting and bridge financing.

 

 

No. of Employees :

3,374

 

RATING & COMMENTS

 

MIRA’s Rating :

Ba

 

RATING

STATUS

PROPOSED CREDIT LINE

41-55

Ba

Overall operation is considered normal. Capable to meet normal commitments.

Satisfactory

 

Status :

Satisfactory

Payment Behaviour :

No complaints

Litigation :

Clear

 

NOTES :

Any query related to this report can be made on e-mail : infodept@mirainform.com while quoting report number, name and date.

 

 

ECGC Country Risk Classification List – September 30, 2013

 

Country Name

Previous Rating

(30.06.2013)

Current Rating

(30.09.2013)

Bangladesh

B1

B1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 

BANGLADESH - ECONOMIC OVERVIEW

 

In real terms Bangladesh's economy has grown 5.8% per year since 1996 despite political instability, poor infrastructure, corruption, insufficient power supplies, and slow implementation of economic reforms. Bangladesh remains a poor, overpopulated, and inefficiently-governed nation. Although more than half of GDP is generated through the service sector, 45% of Bangladeshis are employed in the agriculture sector with rice as the single-most-important product. Bangladesh's growth was resilient during the 2008-09 global financial crisis and recession. Garment exports, totaling $12.3 billion in FY09 and remittances from overseas Bangladeshis, totaling $11 billion in FY10, accounted for almost 12% of GDP.

 

Source : CIA

 

 

 

 


Company name and address

 

UNITED COMMERCIAL BANK LTD

                                                                                                                                                                    

 

Bulus Center

Plot - CWS- (A)-1, Road No - 34

Gulshan Avenue

Dhaka, 1212

Bangladesh

 

 

Tel:

880-2-8852500

Fax:

880-2-8852504

 

www.ucbl.com

 

Employees:

3,374

Company Type:

Public Independent

Traded:

Dhaka Stock Exchange:

UCBL

Incorporation Date:

26-Jun-1983

Auditor:

Syful Shamsul Alam & Co

Financials in:

 

 

 

Fiscal Year End:

31-Dec-2012

Reporting Currency:

Bangladesh Taka

Annual Sales:

124.3  1

Net Income:

19.4

Total Assets:

2,552.3  2

Market Value:

297.1

 

(13-Feb-2014)

 

 

Business Description

 

 

United Commercial Bank Ltd (UCB) is engaged in all kinds of commercial banking activities/services to its customers through its branches and electronic delivery channels in Bangladesh. Its products and services includes UCB multi millionaire, UCB money maximizer, UCB earning plus, UCB DPS plus, western union money transfer, short message service banking service, online service, credit card, one stop service, time deposit scheme, monthly savings scheme, deposit insurance scheme, inward and outward remittances, travelers cheques, import finance, export finance, working capital finance, loan syndication, and underwriting and bridge financing. As of December 31, 2009, UCB had 98 branches, which includes Dhaka division has 38 branches, Chittagong division has 32 branches, Sylhet division has 11 branches, Rajshahi division has nine branches, Khulna division has seven branches and Barisal division has one branch. In October 2009, it launched its own automated teller machine and debit card. For the six months ended 30 June 2013, United Commercial Bank Ltd interest income increased 12% to BDT11.16B. Net interest income after loan loss provision decreased 3% to BDT2.44B. Net income increased 68% to BDT1.06B. Net interest income after loan loss provision reflects decrease in interest earning assets and increase in interest bearing liabilities.

 

 

Industry

     

 

Industry

Banking

ANZSIC 2006:

6221 - Banking

ISIC Rev 4:

6419 - Other monetary intermediation

NACE Rev 2:

6419 - Other monetary intermediation

NAICS 2012:

52211 - Commercial Banking

UK SIC 2007:

64191 - Banks

US SIC 1987:

6029 - Commercial Banks, Not Elsewhere Classified

Key Executives   

   

Name

Title

Mohammad Shawkat Jamil

Deputy Managing Director

Mohammad Abdul Abdullah

Deputy Managing Director-HRM & Organization

Akhtaruzzaman Chowdhury

Chairman

Showkat Aziz Russell

Vice Chairman

Shabbir Ahmed

Director

 

 

 

Significant Developments  

 

Topic

#*

Most Recent Headline

Date

Mergers & Acquisitions

2

United Commercial Bank Ltd Announces Purchase Of Floor Space

14-Aug-2013

Dividends

1

United Commercial Bank Ltd Recommends Cash Dividend

2-May-2013

Debt Ratings

1

Credit Rating Information and Services Limited Announces Rating A+ To United Commercial Bank Ltd

3-Jul-2013

* number of significant developments within the last 12 months

 

 

News   

 

Title

Date

World Stock Reports: Chittagong Stock Exchange Ltd Securities Traded Statement: 27-02-2014
Plus News (3306 Words)

27-Feb-2014

Bangladesh: United Commercial Bank Ltd Board Meeting
South Asian Company Newswire (51 Words)

27-Feb-2014

World Stock Reports: Chittagong Stock Exchange Ltd Securities Traded Statement: 26-02-2014
Plus News (3464 Words)

26-Feb-2014

Chittagong Stock Exchange SECURITIES STATEMENT
Bangladesh Government News (6780 Words)

26-Feb-2014

Chittagong Stock Exchange SECURITIES TRADED STATEMENT
Bangladesh Government News (3623 Words)

26-Feb-2014

World Stock Reports: Chittagong Stock Exchange Ltd Securities Traded Statement: 25-02-2014
Plus News (3412 Words)

25-Feb-2014

 

 

Financial Summary    

 

As of 30-Jun-2013

Key Ratios

Company

Industry

Debt to Equity (MRQ)

0.11

 

Sales 5 Year Growth

37.39

11.33

Net Profit Margin (TTM) %

17.44

42.82

Return on Assets (TTM) %

1.01

5.01

Return on Equity (TTM) %

11.87

3.28

 

 

 

Stock Snapshot

    

Traded: Dhaka Stock Exchange: UCBL

 

As of 13-Feb-2014

   Financials in: BDT

Recent Price

27.60

 

EPS

1.90

52 Week High

32.40

 

Price/Sales

2.27

52 Week Low

15.20

 

Dividend Rate

1.00

Avg. Volume (mil)

3.49

 

Price/Earnings

7.10

Market Value (mil)

23,090.48

 

Price/Book

1.27

 

Price % Change

Rel S&P 500%

4 Week

-2.47%

 

13 Week

12.65%

 

52 Week

15.48%

 

Year to Date

9.96%

 

 

 

1 - Profit & Loss Item Exchange Rate: USD 1 = BDT 81.86564

2 - Balance Sheet Item Exchange Rate: USD 1 = BDT 81.2

 

 

Corporate Overview

 

Location
Bulus Center
Plot - CWS- (A)-1, Road No - 34
Gulshan Avenue
Dhaka, 1212
Bangladesh

 

Tel:

880-2-8852500

Fax:

880-2-8852504

 

www.ucbl.com

Quote Symbol - Exchange

UCBL - Dhaka Stock Exchange

Sales BDT(mil):

10,177.7

Assets BDT(mil):

207,244.4

Employees:

3,374

Fiscal Year End:

31-Dec-2012

 

Industry:

Commercial Banks

Incorporation Date:

26-Jun-1983

Company Type:

Public Independent

Quoted Status:

Quoted

 

Chairman:

Akhtaruzzaman Chowdhury

 


Industry Codes

 

ANZSIC 2006 Codes:

6221

-

Banking

 

ISIC Rev 4 Codes:

6419

-

Other monetary intermediation

 

NACE Rev 2 Codes:

6419

-

Other monetary intermediation

 

NAICS 2012 Codes:

52211

-

Commercial Banking

 

US SIC 1987:

6029

-

Commercial Banks, Not Elsewhere Classified

 

UK SIC 2007:

64191

-

Banks

 

Business Description

United Commercial Bank Ltd (UCB) is engaged in all kinds of commercial banking activities/services to its customers through its branches and electronic delivery channels in Bangladesh. Its products and services includes UCB multi millionaire, UCB money maximizer, UCB earning plus, UCB DPS plus, western union money transfer, short message service banking service, online service, credit card, one stop service, time deposit scheme, monthly savings scheme, deposit insurance scheme, inward and outward remittances, travelers cheques, import finance, export finance, working capital finance, loan syndication, and underwriting and bridge financing. As of December 31, 2009, UCB had 98 branches, which includes Dhaka division has 38 branches, Chittagong division has 32 branches, Sylhet division has 11 branches, Rajshahi division has nine branches, Khulna division has seven branches and Barisal division has one branch. In October 2009, it launched its own automated teller machine and debit card. For the six months ended 30 June 2013, United Commercial Bank Ltd interest income increased 12% to BDT11.16B. Net interest income after loan loss provision decreased 3% to BDT2.44B. Net income increased 68% to BDT1.06B. Net interest income after loan loss provision reflects decrease in interest earning assets and increase in interest bearing liabilities.

 

 

 

More Business Descriptions

Commercial banking services

 

Banking Services

 

 

 


Financial Data

 

Financials in:

BDT(mil)

 

Revenue:

10,177.7

Net Income:

1,585.2

Assets:

207,244.4

Long Term Debt:

1,200.0

 

Total Liabilities:

189,077.5

 

 

 

Date of Financial Data:

31-Dec-2012

 

1 Year Growth

9.5%

-46.2%

22.9%

 

 

Key Corporate Relationships

 

Auditor:

Syful Shamsul Alam & Co

 

Auditor:

Syful Shamsul Alam & Co, Syful Shamsul Alam & Co

 

 

 

 

 

Executives Report

 

Board of Directors

 

Name

Title

Function

Akhtaruzzaman Chowdhury

 

Chairman

Chairman

Showkat Aziz Russell

 

Vice Chairman

Vice-Chairman

Emran Ahmed

 

Director

Director/Board Member

Shabbir Ahmed

 

Director

Director/Board Member

Yunus Ahmed

 

Director

Director/Board Member

Bazal Ahmed

 

Director

Director/Board Member

Setara Begum

 

Director

Director/Board Member

Rezia Begum

 

Director

Director/Board Member

Ahmed Arif Billah

 

Director

Director/Board Member

Nurul Islam Chowdhury

 

Director

Director/Board Member

Saifuzzaman Chowdhury

 

Director

Director/Board Member

Riyadh Zafar Chowdhury

 

Director

Director/Board Member

M A Hashem

 

Director

Director/Board Member

Kazi Enamul Hoque

 

Director

Director/Board Member

Nur Uddin Javed

 

Director

Director/Board Member

M A Kalam

 

Director

Director/Board Member

Nasim Kalam

 

Director

Director/Board Member

Tanvir Khan

 

Director

Director/Board Member

Md Jahangir Alam Khan

 

Director

Director/Board Member

M A Sabur

 

Director

Director/Board Member

Sharif Zahir

 

Director

Director/Board Member

Education:

University of Texas at Austin , USA, Finance Economics

 

 

 

Executives

 

 

Name

Title

Function

 

Mohammad Shahed Jalal Chowdhury

 

Deputy Managing Director-Internal Compliance & Control Division

Division Head Executive

 

Mohammad Abdul Abdullah

 

Deputy Managing Director-HRM & Organization

Managing Director

 

M. Shahjahan Bhuiyan

 

Managing Director

Managing Director

 

Mohammad Shawkat Jamil

 

Deputy Managing Director

Managing Director

 

AE Abdul Muhaimen

 

Additional Managing Director

Managing Director

 

Mirza Mahmud Rafiqur Rahman

 

Deputy Managing Director & Secretary

Managing Director

 

Mamun-Ur Rashid

 

Deputy Managing Director

Managing Director

 

 

 

 

 

Significant Developments

 

 

 

 

United Commercial Bank Ltd Announces Purchase Of Floor Space

Aug 14, 2013


United Commercial Bank Ltd announced that it has executed a registered BAINANAMA for purchase of floor space measuring about 6,710 sft. (Ground, 1st & 2nd floor) with 3 (Three) car parking space at the Basement of Aerial Legend Centre, 1080, CDA Avenue, East Nasirabad (G.E.C.), Chittagong along with undivided and undemarcated proportionate area of land measuring 0.78 Katha equivalent to 1.31 decimal (approx.) at Mouza, East Nasirabd, Panchiaish, Chittagong with all common right and facilities at a cost of BDT127,490,000 only excluding registration cost and other charges/fees for use of the bank.

Credit Rating Information and Services Limited Announces Rating A+ To United Commercial Bank Ltd

Jul 03, 2013


Credit Rating Information and Services Limited (CRISL) has rated United Commercial Bank Ltd as A+ in the long term and ST-2 in the short term in consideration of financials of the Company up to December 31, 2012 (audited) and other relevant quantitative as well as qualitative information up to the date of rating declaration.

United Commercial Bank Ltd Recommends Cash Dividend

May 02, 2013


United Commercial Bank Ltd announced that the Board of Directors has recommended cash dividend at 10% (i.e. BDT1.00 per share of BDT10.00 each) for the year ended on December 31, 2012. Record date on May 13, 2013.

United Commercial Bank Ltd Announces Acquisition Of Property

Mar 10, 2013


United Commercial Bank Ltd announced that it has executed a registered Bainanama for purchasing of floor space measuring about 7,000 sft. (aprox.) in the Ground and mezzanine floor with 4 car parking space at Basement along with proportionate undivided undemarcated share of proportionate land measuring 2.69 Decimal out of total land area of 26.91 Decimal at a cost of BDT112,900,000 only excluding the registration cost and other charges/fees for the use of the Bank at Mans Trade Center situated at Patarghata, Chittagong Collector, Kotowali ,Chittagong.

News

 

World Stock Reports: Chittagong Stock Exchange Ltd Securities Traded Statement: 27-02-2014
Plus News (3306 Words)

27-Feb-2014

Bangladesh: United Commercial Bank Ltd Board Meeting
South Asian Company Newswire (51 Words)

27-Feb-2014

World Stock Reports: Chittagong Stock Exchange Ltd Securities Traded Statement: 26-02-2014
Plus News (3464 Words)

26-Feb-2014

Chittagong Stock Exchange SECURITIES STATEMENT
Bangladesh Government News (6780 Words)

26-Feb-2014

Chittagong Stock Exchange SECURITIES TRADED STATEMENT
Bangladesh Government News (3623 Words)

26-Feb-2014

World Stock Reports: Chittagong Stock Exchange Ltd Securities Traded Statement: 25-02-2014
Plus News (3412 Words)

25-Feb-2014

World Stock Reports: Chittagong Stock Exchange Ltd Securities Traded Statement: 24-02-2014
Plus News (3353 Words)

24-Feb-2014

Chittagong Stock Exchange SECURITIES TRADED STATEMENT
Bangladesh Government News (3736 Words)

24-Feb-2014

Chittagong Stock Exchange SECURITIES STATEMENT
Bangladesh Government News (6780 Words)

24-Feb-2014

Chittagong Stock Exchange SECURITIES STATEMENT
Bangladesh Government News (6780 Words)

22-Feb-2014

Chittagong Stock Exchange SECURITIES TRADED STATEMENT
Bangladesh Government News (3605 Words)

22-Feb-2014

 

 

Annual Income Statement

 

 

Financials in: USD (mil)

 

Except for share items (millions) and per share items (actual units)

 

 

 

 

 

 

 

 

31-Dec-2012

31-Dec-2011

31-Dec-2010

31-Dec-2009

31-Dec-2008

Period Length

12 Months

12 Months

12 Months

12 Months

12 Months

UpdateType/Date

Updated Normal
31-Dec-2012

Reclassified Normal
31-Dec-2012

Reclassified Normal
31-Dec-2011

Updated Normal
31-Dec-2009

Updated Normal
31-Dec-2008

Filed Currency

BDT

BDT

BDT

BDT

BDT

Exchange Rate (Period Average)

81.86564

74.041708

69.60265

69.026932

68.582616

Auditor

Syful Shamsul Alam & Co

Syful Shamsul Alam & Co

Syful Shamsul Alam & Co

M.J.Abedin & Co.

M.J.Abedin & Co.

Auditor Opinion

Unqualified

Unqualified

Unqualified

Unqualified

Unqualified

 

 

 

 

 

 

    Interest & Fees on Loans

260.4

207.3

136.0

100.9

83.8

Interest Income, Bank

260.4

207.3

136.0

100.9

83.8

    Interest on Deposit

179.3

135.7

77.8

62.1

53.8

    Interest on Other Borrowings

0.3

2.1

3.2

0.9

0.7

Total Interest Expense

179.6

137.8

80.9

63.0

54.5

Net Interest Income

80.8

69.5

55.1

37.9

29.3

 

 

 

 

 

 

Loan Loss Provision

24.7

10.8

15.8

22.9

14.4

Net Interest Income after Loan Loss Provision

56.1

58.7

39.3

15.0

14.9

 

 

 

 

 

 

    Fees & Commissions from Operations

17.5

21.0

19.5

16.2

16.6

    Investment Securities Gains

17.3

24.8

28.3

14.0

9.8

    Other Unusual Income

0.0

0.0

0.0

0.0

0.0

    Other Revenue

8.7

10.2

9.9

7.1

4.3

Non-Interest Income, Bank

43.5

56.0

57.7

37.3

30.6

    Labor & Related Expenses

-29.1

-24.3

-26.0

-19.2

-16.6

    Depreciation Expense

-4.1

-3.2

-2.4

-1.6

-1.4

    Other Unusual Expense

0.0

0.0

0.0

0.0

-0.1

    Other Expense

-20.7

-17.3

-16.4

-9.2

-6.1

Non-Interest Expense, Bank

-53.9

-44.9

-44.9

-29.9

-24.2

Income Before Tax

45.7

69.9

52.2

22.3

21.3

 

 

 

 

 

 

Total Income Tax

26.3

30.1

20.8

8.8

10.2

Income After Tax

19.4

39.8

31.3

13.5

11.2

 

 

 

 

 

 

Net Income Before Extraord Items

19.4

39.8

31.3

13.5

11.2

Net Income

19.4

39.8

31.3

13.5

11.2

 

 

 

 

 

 

Income Available to Common Excl Extraord Items

19.4

39.8

31.3

13.5

11.2

 

 

 

 

 

 

Income Available to Common Incl Extraord Items

19.4

39.8

31.3

13.5

11.2

 

 

 

 

 

 

Basic/Primary Weighted Average Shares

836.6

836.6

759.3

7.8

7.8

Basic EPS Excl Extraord Items

0.02

0.05

0.04

1.73

1.43

Basic/Primary EPS Incl Extraord Items

0.02

0.05

0.04

1.73

1.43

Diluted Net Income

19.4

39.8

31.3

13.5

11.2

Diluted Weighted Average Shares

836.6

836.6

759.3

46.7

46.7

Diluted EPS Excl Extraord Items

0.02

0.05

0.04

0.29

0.24

Diluted EPS Incl Extraord Items

0.02

0.05

0.04

0.29

0.24

Dividends per Share - Common Stock Primary Issue

0.01

0.01

0.00

0.00

0.00

Gross Dividends - Common Stock

-

19.7

0.0

0.0

0.0

Depreciation, Supplemental

4.1

2.5

1.8

1.1

1.0

Total Special Items

0.0

-0.1

0.0

0.0

0.1

Normalized Income Before Tax

45.7

69.8

52.2

22.3

21.4

 

 

 

 

 

 

Effect of Special Items on Income Taxes

0.0

0.0

0.0

0.0

0.0

Inc Tax Ex Impact of Sp Items

26.3

30.1

20.8

8.8

10.2

Normalized Income After Tax

19.4

39.7

31.3

13.5

11.2

 

 

 

 

 

 

Normalized Inc. Avail to Com.

19.4

39.7

31.3

13.5

11.2

 

 

 

 

 

 

Basic Normalized EPS

0.02

0.05

0.04

1.73

1.43

Diluted Normalized EPS

0.02

0.05

0.04

0.29

0.24

Amort of Intangibles, Supplemental

-

0.2

0.2

0.2

-

Rental Expenses

7.8

4.4

4.1

2.7

1.8

Advertising Expense, Supplemental

1.0

1.2

1.0

0.7

0.6

Bank Total Revenue

124.3

125.5

112.8

75.2

59.9

    Current Tax - Domestic

26.3

30.1

18.5

8.7

10.1

Current Tax - Total

26.3

30.1

18.5

8.7

10.1

    Deferred Tax - Domestic

0.0

0.0

2.3

0.1

0.1

Deferred Tax - Total

0.0

0.0

2.3

0.1

0.1

Income Tax - Total

26.3

30.1

20.8

8.8

10.2

Defined Contribution Expense - Domestic

-

0.9

0.9

0.7

-

Total Pension Expense

-

0.9

0.9

0.7

-

 

 


Annual Balance Sheet

 

Financials in: USD (mil)

 

 

 

31-Dec-2012

31-Dec-2011

31-Dec-2010

31-Dec-2009

31-Dec-2008

UpdateType/Date

Updated Normal
31-Dec-2012

Reclassified Normal
31-Dec-2012

Reclassified Normal
31-Dec-2011

Reclassified Normal
31-Dec-2010

Updated Normal
31-Dec-2008

Filed Currency

BDT

BDT

BDT

BDT

BDT

Exchange Rate

81.199997

81.83

70.475

69.26

68.91

Auditor

Syful Shamsul Alam & Co

Syful Shamsul Alam & Co

Syful Shamsul Alam & Co

M.J.Abedin & Co.

M.J.Abedin & Co.

Auditor Opinion

Unqualified

Unqualified

Unqualified

Unqualified

Unqualified

 

 

 

 

 

 

Cash & Due from Banks

345.9

266.9

184.1

192.4

132.4

    Other Short Term Investments

327.6

238.4

215.3

134.9

104.5

Other Earning Assets, Total

327.6

238.4

215.3

134.9

104.5

Net Loans

1,635.1

1,377.8

1,293.9

873.3

613.9

        Buildings

14.5

7.5

8.3

4.2

1.5

        Land/Improvements

27.2

20.8

9.6

9.8

9.1

        Machinery/Equipment

26.3

20.2

17.5

10.7

9.0

        Construction in Progress

7.4

0.0

-

-

-

    Property/Plant/Equipment - Gross

75.4

48.5

35.4

24.7

19.6

    Accumulated Depreciation

-12.5

-9.3

-8.3

-6.6

-5.6

Property/Plant/Equipment - Net

62.9

39.2

27.1

18.2

14.0

    Intangibles - Gross

1.5

1.0

0.8

0.7

0.5

Intangibles, Net

1.5

1.0

0.8

0.7

0.5

    Other Assets

179.4

138.2

120.3

86.9

75.0

Other Assets, Total

179.4

138.2

120.3

86.9

75.0

Total Assets

2,552.3

2,061.5

1,841.4

1,306.4

940.3

 

 

 

 

 

 

Accounts Payable

31.6

27.8

36.1

14.1

14.9

Accrued Expenses

39.9

30.9

19.1

16.6

20.1

    Interest Bearing Deposits

1,643.0

1,293.4

1,137.4

794.9

545.8

Total Deposits

2,066.1

1,674.3

1,566.9

1,108.2

775.8

    Dividends Payable

0.0

0.0

0.0

0.0

0.0

    Income Taxes Payable

107.0

79.9

61.8

44.2

58.0

Other Current liabilities, Total

107.0

79.9

61.8

44.2

58.0

    Long Term Debt

14.8

0.0

0.0

7.9

0.0

Total Long Term Debt

14.8

0.0

0.0

7.9

0.0

Total Debt

14.8

0.0

0.0

7.9

0.0

 

 

 

 

 

 

    Deferred Income Tax - LT Liability

2.2

2.2

2.6

0.3

0.2

Deferred Income Tax

2.2

2.2

2.6

0.3

0.2

Minority Interest

0.0

0.0

0.0

0.0

-

    Other Liabilities

66.9

51.2

44.1

32.7

7.7

Other Liabilities, Total

66.9

51.2

44.1

32.7

7.7

Total Liabilities

2,328.5

1,866.4

1,730.5

1,224.1

876.7

 

 

 

 

 

 

    Common Stock

103.0

88.9

41.3

4.3

4.3

Common Stock

103.0

88.9

41.3

4.3

4.3

Additional Paid-In Capital

17.9

17.8

0.0

-

-

Retained Earnings (Accumulated Deficit)

64.2

68.4

58.2

65.5

52.3

Unrealized Gain (Loss)

38.5

20.0

11.4

12.6

7.0

    Translation Adjustment

0.0

0.0

0.0

-

-

Other Equity, Total

0.0

0.0

0.0

-

-

Total Equity

223.7

195.1

110.9

82.4

63.6

 

 

 

 

 

 

Total Liabilities & Shareholders’ Equity

2,552.3

2,061.5

1,841.4

1,306.4

940.3

 

 

 

 

 

 

    Shares Outstanding - Common Stock Primary Issue

836.6

836.6

759.3

7.8

7.8

Total Common Shares Outstanding

836.6

836.6

759.3

7.8

7.8

Employees

3,374

2,982

2,738

2,508

2,292

Number of Common Shareholders

133,754

130,175

72,793

10,337

10,337

Total Risk-Weighted Capital

-

0.2

0.1

0.1

0.1

Tier 1 Capital %

8.45%

9.20%

4.87%

7.39%

8.44%

Total Capital %

10.37%

10.87%

6.31%

9.22%

10.34%

Total Long Term Debt, Supplemental

14.8

-

-

7.9

0.0

Long Term Debt Maturing within 1 Year

14.8

-

-

7.9

0.0

Long Term Debt Maturing in Year 2

0.0

-

-

0.0

0.0

Long Term Debt Maturing in Year 3

0.0

-

-

0.0

0.0

Long Term Debt Maturing in Year 4

0.0

-

-

0.0

0.0

Long Term Debt Maturing in Year 5

0.0

-

-

0.0

0.0

Long Term Debt Maturing in 2-3 Years

0.0

-

-

0.0

0.0

Long Term Debt Maturing in 4-5 Years

0.0

-

-

0.0

0.0

Long Term Debt Matur. in Year 6 & Beyond

0.0

-

-

0.0

0.0

 

 

Annual Cash Flows

 

Financials in: USD (mil)

 

 

 

31-Dec-2012

31-Dec-2011

31-Dec-2010

31-Dec-2009

31-Dec-2008

Period Length

12 Months

12 Months

12 Months

12 Months

12 Months

UpdateType/Date

Updated Normal
31-Dec-2012

Updated Normal
31-Dec-2011

Reclassified Normal
31-Dec-2011

Updated Normal
31-Dec-2009

Updated Normal
31-Dec-2008

Filed Currency

BDT

BDT

BDT

BDT

BDT

Exchange Rate (Period Average)

81.86564

74.041708

69.60265

69.026932

68.582616

Auditor

Syful Shamsul Alam & Co

Syful Shamsul Alam & Co

Syful Shamsul Alam & Co

M.J.Abedin & Co.

M.J.Abedin & Co.

Auditor Opinion

Unqualified

Unqualified

Unqualified

Unqualified

Unqualified

 

 

 

 

 

 

Cash Receipts

276.6

224.3

150.4

111.6

92.0

Cash Payments

-179.6

-137.8

-80.9

-63.0

-54.5

    Other Assets

-344.3

-370.1

-545.1

-315.5

-141.4

    Other Liabilities

403.3

385.9

512.8

340.7

194.4

    Other Operating Cash Flow

-52.7

-22.1

-11.7

-13.4

-11.5

Changes in Working Capital

6.4

-6.4

-44.0

11.8

41.5

Cash from Operating Activities

103.4

80.1

25.4

60.3

78.9

 

 

 

 

 

 

    Purchase of Fixed Assets

-26.9

-20.6

-11.5

-5.7

-9.5

Capital Expenditures

-26.9

-20.6

-11.5

-5.7

-9.5

    Sale of Fixed Assets

0.0

0.0

0.0

0.0

0.1

    Investment, Net

-4.2

1.3

-

0.0

0.0

    Purchase of Investments

-

-

-11.1

-1.8

-2.6

Other Investing Cash Flow Items, Total

-4.2

1.3

-11.0

-1.8

-2.6

Cash from Investing Activities

-31.1

-19.3

-22.5

-7.5

-12.1

 

 

 

 

 

 

Total Cash Dividends Paid

-10.7

-

-

-

-

        Sale/Issuance of Common

0.0

59.0

0.0

-

-

    Common Stock, Net

0.0

59.0

0.0

-

-

Issuance (Retirement) of Stock, Net

0.0

59.0

0.0

-

-

        Long Term Debt Issued

14.7

-

-

8.0

0.0

        Long Term Debt Reduction

-

0.0

-7.9

0.0

-4.7

    Long Term Debt, Net

14.7

0.0

-7.9

8.0

-4.7

Issuance (Retirement) of Debt, Net

14.7

0.0

-7.9

8.0

-4.7

Cash from Financing Activities

4.0

59.0

-7.9

8.0

-4.7

 

 

 

 

 

 

Foreign Exchange Effects

-

-

-

0.0

0.0

Net Change in Cash

76.2

119.8

-5.0

60.8

62.2

 

 

 

 

 

 

Net Cash - Beginning Balance

266.8

175.2

191.4

132.2

70.9

Net Cash - Ending Balance

343.1

295.0

186.4

193.0

133.0

Depreciation

-

-

-

1.2

1.0

 

 

Annual Income Statement

 

 

Financials in: USD (mil)

 

Except for share items (millions) and per share items (actual units)

 

 

 

 

 

31-Dec-2012

31-Dec-2011

31-Dec-2010

31-Dec-2009

31-Dec-2008

Period Length

12 Months

12 Months

12 Months

12 Months

12 Months

UpdateType/Date

Updated Normal
31-Dec-2012

Reclassified Normal
31-Dec-2012

Reclassified Normal
31-Dec-2011

Updated Normal
31-Dec-2009

Updated Normal
31-Dec-2008

Filed Currency

BDT

BDT

BDT

BDT

BDT

Exchange Rate (Period Average)

81.86564

74.041708

69.60265

69.026932

68.582616

Auditor

Syful Shamsul Alam & Co

Syful Shamsul Alam & Co

M.J.Abedin & Co.

M.J.Abedin & Co.

M.J.Abedin & Co.

Auditor Opinion

Unqualified

Unqualified

Unqualified

Unqualified

Unqualified

 

 

 

 

 

 

    Interest Income

260.4

207.3

136.0

100.9

83.8

Total Revenue

260.4

207.3

136.0

100.9

83.8

 

 

 

 

 

 

    Interest on Deposits

179.3

135.7

77.8

62.1

53.8

    Interest Paid on Borrowings

0.3

2.1

3.2

0.9

0.7

    Loan Loss Provision

24.7

10.8

15.8

22.9

14.4

Total Operating Expense

204.3

148.6

96.7

85.9

68.9

 

 

 

 

 

 

    Income from Investment

17.3

24.8

28.3

14.0

9.8

    Commision, Exchange & Brokarage

17.5

21.0

19.5

16.2

16.6

    Other Operating Income

8.7

10.2

9.9

7.1

4.3

    Gain on Sale of Assets

0.0

0.1

0.0

0.0

0.0

    Salary & Allowance

-28.9

-24.1

-25.8

-19.0

-16.5

    Rent, Taxes, Insurance, Lighting, etc.

-7.8

-6.1

-5.4

-3.6

-1.8

    Legal Expense

-0.1

-0.1

-0.2

-0.1

-0.2

    Postage, Stamp, Telegram, Telephone etc.

-1.1

-0.9

-0.8

-0.7

-0.5

    Stationary, Printing, Advertisement, etc

-2.6

-2.7

-2.3

-1.4

-1.2

    Chief Executive's Salary & Fees

-0.1

-0.1

-0.1

-0.1

-0.1

    Directors' Fees & Other Expense

-0.1

-0.1

-0.1

-0.1

-0.1

    Auditors Fee

0.0

0.0

0.0

0.0

0.0

    Depreciation & Repair of Fixed Assets

-4.1

-3.2

-2.4

-1.6

-1.4

    Loss on Sale of Assets

0.0

0.0

0.0

0.0

0.0

    Written off of Assets

0.0

0.0

0.0

0.0

-0.1

    Other Expenses

-9.1

-7.6

-7.8

-3.3

-2.5

Total Non-Interest Revenue

43.5

56.0

57.7

37.3

30.6

 

 

 

 

 

 

Total Non-Interest Expense

-53.9

-44.9

-44.9

-29.9

-24.2

 

 

 

 

 

 

Net Income Before Taxes

45.7

69.9

52.2

22.3

21.3

 

 

 

 

 

 

Provision for Income Taxes

26.3

30.1

20.8

8.8

10.2

Net Income After Taxes

19.4

39.8

31.3

13.5

11.2

 

 

 

 

 

 

Net Income Before Extra. Items

19.4

39.8

31.3

13.5

11.2

Net Income

19.4

39.8

31.3

13.5

11.2

 

 

 

 

 

 

Income Available to Com Excl ExtraOrd

19.4

39.8

31.3

13.5

11.2

 

 

 

 

 

 

Income Available to Com Incl ExtraOrd

19.4

39.8

31.3

13.5

11.2

 

 

 

 

 

 

Basic Weighted Average Shares

836.6

836.6

759.3

7.8

7.8

Basic EPS Excluding ExtraOrdinary Items

0.02

0.05

0.04

1.73

1.43

Basic EPS Including ExtraOrdinary Items

0.02

0.05

0.04

1.73

1.43

Diluted Net Income

19.4

39.8

31.3

13.5

11.2

Diluted Weighted Average Shares

836.6

836.6

759.3

46.7

46.7

Diluted EPS Excluding ExtraOrd Items

0.02

0.05

0.04

0.29

0.24

Diluted EPS Including ExtraOrd Items

0.02

0.05

0.04

0.29

0.24

DPS-Fully Paid Ord. Shrs

0.01

0.01

0.00

0.00

0.00

Gross Dividends - Common Stock

-

19.7

0.0

0.0

0.0

Normalized Income Before Taxes

45.7

69.8

52.2

22.3

21.4

 

 

 

 

 

 

Inc Tax Ex Impact of Sp Items

26.3

30.1

20.8

8.8

10.2

Normalized Income After Taxes

19.4

39.7

31.3

13.5

11.2

 

 

 

 

 

 

Normalized Inc. Avail to Com.

19.4

39.7

31.3

13.5

11.2

 

 

 

 

 

 

Basic Normalized EPS

0.02

0.05

0.04

1.73

1.43

Diluted Normalized EPS

0.02

0.05

0.04

0.29

0.24

Depreciation, Supplemental

4.1

2.5

1.8

1.1

1.0

Amort of Intangibles, Supplemental

-

0.2

0.2

0.2

-

Rental Expense, Supplemental

7.8

4.4

4.1

2.7

1.8

Advertising Expense, Supplemental

1.0

1.2

1.0

0.7

0.6

    Current Tax

26.3

30.1

18.5

8.7

10.1

Current Tax - Total

26.3

30.1

18.5

8.7

10.1

    Deferred Tax

0.0

0.0

2.3

0.1

0.1

Deferred Tax - Total

0.0

0.0

2.3

0.1

0.1

Income Tax - Total

26.3

30.1

20.8

8.8

10.2

Provident fund

-

0.9

0.9

0.7

-

Total Pension Expense

-

0.9

0.9

0.7

-

 

 

Annual Balance Sheet

 

Financials in: USD (mil)

 

 

 

 

 

31-Dec-2012

31-Dec-2011

31-Dec-2010

31-Dec-2009

31-Dec-2008

UpdateType/Date

Updated Normal
31-Dec-2012

Reclassified Normal
31-Dec-2012

Reclassified Normal
31-Dec-2011

Reclassified Normal
31-Dec-2010

Updated Normal
31-Dec-2008

Filed Currency

BDT

BDT

BDT

BDT

BDT

Exchange Rate

81.199997

81.83

70.475

69.26

68.91

Auditor

Syful Shamsul Alam & Co

Syful Shamsul Alam & Co

M.J.Abedin & Co.

M.J.Abedin & Co.

M.J.Abedin & Co.

Auditor Opinion

Unqualified

Unqualified

Unqualified

Unqualified

Unqualified

 

 

 

 

 

 

    Cash in Hand

32.2

21.5

22.9

17.7

11.6

    Balance with Balngladesh Bank & Sonali B

167.4

137.8

119.4

83.4

57.3

    Balance with Other Banks & Fin Insti.- B

42.8

39.2

18.1

25.4

54.9

    Balance with Other Banks & Fin Insti.- O

15.2

6.5

7.8

9.5

6.7

    Money at Call & Short Notice

88.2

62.0

15.9

56.3

1.9

    Investment- Government

266.7

199.2

176.1

113.8

89.3

    Investment- Others

61.0

39.1

39.2

21.2

15.2

    Loans, Cash Credit & Overdraft etc.

1,635.1

1,377.8

1,293.9

873.3

613.9

    Bills Purchased & Discounted

40.7

33.8

33.7

17.4

31.1

    Immovable Properties (Land)

27.2

20.8

9.6

9.8

9.1

    Immovable Properties (Buildings)

14.5

7.5

8.3

4.2

1.5

    Furniture & Fixture

9.3

6.9

5.4

3.1

2.7

    Office Equipments

7.0

5.5

4.6

3.0

2.3

    Computer & Equipments

5.6

4.8

5.0

3.1

2.6

    Banks Car/ Scooter/ Vehicle

4.4

3.0

2.5

1.5

1.5

    Capital expenditure WIP

7.4

0.0

-

-

-

    Computer Software

1.5

1.0

0.8

0.7

0.5

    Accumulated depreciation

-12.5

-9.3

-8.3

-6.6

-5.6

    Other Assets

138.7

104.4

86.6

69.5

43.9

Total Assets

2,552.3

2,061.5

1,841.4

1,306.4

940.3

 

 

 

 

 

 

    Current Deposit & Other Accounts

223.3

197.4

230.4

150.2

101.4

    Bills Payable

31.6

27.8

36.1

14.1

14.9

    Saving Bank Deposits

199.8

183.6

199.1

163.0

128.6

    Term Deposit

1,643.0

1,293.4

1,137.4

794.9

545.8

    Borrowings from Other Banks, Financial I

14.8

0.0

0.0

7.9

0.0

Total Long Term Debt

14.8

0.0

0.0

7.9

0.0

 

 

 

 

 

 

    Provision for Taxation

107.0

79.9

61.8

44.2

58.0

    Deferred Tax Liability

2.2

2.2

2.6

0.3

0.2

    Dividend Payable

0.0

0.0

0.0

0.0

0.0

    Interest Payable

39.9

30.9

19.1

16.6

20.1

    Other Liabilities

66.9

51.2

44.1

32.7

7.7

    Non controlling Interest

0.0

0.0

0.0

0.0

-

Total Liabilities

2,328.5

1,866.4

1,730.5

1,224.1

876.7

 

 

 

 

 

 

    Paid up Capital

103.0

88.9

41.3

4.3

4.3

    Share Premium

17.9

17.8

0.0

-

-

    Statutory Reserve

53.5

43.9

36.3

26.5

22.1

    General Reserve

0.3

0.3

1.3

5.2

5.3

    Assets Revaluation Reserve

31.2

18.1

6.5

6.6

6.6

    Currency Translation Reserve

0.0

0.0

0.0

-

-

    Revaluation Reserve (HTM & HFT)

5.9

1.8

1.1

0.6

0.2

    Revaluation Reserve - HFT

1.4

0.1

3.7

5.3

0.2

    Retained Earnings- P/L Account

10.4

24.1

20.6

33.8

24.9

Total Equity

223.7

195.1

110.9

82.4

63.6

 

 

 

 

 

 

Total Liabilities & Shareholders' Equity

2,552.3

2,061.5

1,841.4

1,306.4

940.3

 

 

 

 

 

 

    S/O-Fully Paid Ord. Shrs

836.6

836.6

759.3

7.8

7.8

Total Common Shares Outstanding

836.6

836.6

759.3

7.8

7.8

Tier 1 Capital %

8.45%

9.20%

4.87%

7.39%

8.44%

Total Capital %

10.37%

10.87%

6.31%

9.22%

10.34%

Total Risk-Weighted Capital

-

206.2

128.9

87.1

69.5

Full-Time Employees

3,374

2,982

2,738

2,508

2,292

Number of Common Shareholders

133,754

130,175

72,793

10,337

10,337

Long Term Debt Maturing within 1 Year

14.8

-

-

7.9

0.0

Long Term Debt Maturing in Year 5

0.0

-

-

0.0

0.0

Total Long Term Debt, Supplemental

14.8

-

-

7.9

0.0

 

 

Annual Cash Flows

 

Financials in: USD (mil)

 

 

 

 

 

31-Dec-2012

31-Dec-2011

31-Dec-2010

31-Dec-2009

31-Dec-2008

Period Length

12 Months

12 Months

12 Months

12 Months

12 Months

UpdateType/Date

Updated Normal
31-Dec-2012

Updated Normal
31-Dec-2011

Reclassified Normal
31-Dec-2011

Updated Normal
31-Dec-2009

Updated Normal
31-Dec-2008

Filed Currency

BDT

BDT

BDT

BDT

BDT

Exchange Rate (Period Average)

81.86564

74.041708

69.60265

69.026932

68.582616

Auditor

Syful Shamsul Alam & Co

Syful Shamsul Alam & Co

M.J.Abedin & Co.

M.J.Abedin & Co.

M.J.Abedin & Co.

Auditor Opinion

Unqualified

Unqualified

Unqualified

Unqualified

Unqualified

 

 

 

 

 

 

    Interest Receipts

276.6

224.3

150.4

111.6

92.0

    Interest Payments

-179.6

-137.8

-80.9

-63.0

-54.5

    Dividend Receipts

1.5

2.2

1.1

0.1

0.5

    Fees & Commision Receipts

12.0

14.4

12.2

9.3

9.2

    Recoveries on Previously Written off Adv

1.2

2.0

2.0

1.0

0.1

    Payment to Employees

-29.0

-24.2

-25.9

-19.2

-16.6

    Payment to Suppliers

-11.5

-9.7

-8.4

-5.7

-3.5

    Payment for Advance Income Tax

-29.4

-18.4

-12.2

-11.4

-11.0

    Receipt from Other Activities

12.7

20.5

28.2

16.2

12.8

    Payment for Other Activities

-10.2

-8.8

-8.6

-3.8

-3.1

    Statutory Deposits

-80.4

-52.5

-65.4

-25.0

-18.0

    Purchase/ Sales of Trading Securities

-2.1

-7.3

-5.4

-4.2

-3.9

    Loans & Advances to Customers

-257.9

-298.8

-468.0

-271.6

-112.8

    Other Assets

-3.8

-11.5

-6.3

-14.6

-6.7

    Deposits from Banks

-25.1

-27.0

-29.0

31.5

0.0

    Deposit from Customers

404.3

383.7

536.7

305.2

177.7

    Other Liabilities

24.1

29.1

5.0

3.9

16.7

Cash from Operating Activities

103.4

80.1

25.4

60.3

78.9

 

 

 

 

 

 

    Proceeds from sale of Securities

-4.2

1.3

-

0.0

0.0

    Purchase of Securities

-

-

-11.1

-1.8

-2.6

    Capital Expenditure

-26.9

-20.6

-11.5

-5.7

-9.5

    Sales of Property, Plant & Equipment

0.0

0.0

0.0

0.0

0.1

Cash from Investing Activities

-31.1

-19.3

-22.5

-7.5

-12.1

 

 

 

 

 

 

    Receipt from Borrowings & Issuance of D

14.7

-

-

8.0

0.0

    Dividend paid

-10.7

-

-

-

-

    Repayment of Borrowings & Release of Deb

-

0.0

-7.9

0.0

-4.7

    Cash Received from Issuing of Right Shar

0.0

59.0

0.0

-

-

Cash from Financing Activities

4.0

59.0

-7.9

8.0

-4.7

 

 

 

 

 

 

Foreign Exchange Effects

-

-

-

0.0

0.0

Net Change in Cash

76.2

119.8

-5.0

60.8

62.2

 

 

 

 

 

 

    Depreciation

-

-

-

1.2

1.0

Cash & Cash Equivalent at Beginning of Y

266.8

175.2

191.4

132.2

70.9

Cash & Cash Equivalent at Ending of Year

343.1

295.0

186.4

193.0

133.0

 

 Financial Health

 

 

Financials in: USD (mil)

 

Except for share items (millions) and per share items (actual units)

 

 

Key Indicators USD (mil)

 

Quarter
Ending
30-Jun-2013

Quarter
Ending
Yr Ago

Annual
Year End
31-Dec-2012

1 Year
Growth

3 Year
Growth

5 Year
Growth

Total Revenue1 (?)

40.3

22.66%

124.3

9.50%

25.15%

25.08%

Income Available to Common Excl Extraord Items1 (?)

26.4

851.89%

19.4

-46.18%

19.33%

14.23%

Basic EPS Excl Extraord Items1 (?)

0.03

851.84%

0.02

-46.18%

-74.88%

-55.15%

Capital Expenditures2 (?)

12.6

540.53%

26.9

44.64%

77.57%

63.34%

Cash from Operating Activities2 (?)

-52.4

-

103.4

42.60%

26.64%

118.50%

Free Cash Flow (?)

-65.5

-

77.1

41.90%

18.38%

-

Total Assets3 (?)

2,729.3

14.81%

2,552.3

22.86%

31.82%

32.80%

Total Liabilities3 (?)

2,496.2

14.82%

2,328.5

23.80%

30.65%

32.08%

Total Long Term Debt3 (?)

25.7

71.89%

14.8

-

29.70%

30.11%

Employees3 (?)

-

-

3374

13.15%

10.39%

10.14%

Total Common Shares Outstanding3 (?)

836.6

0.00%

836.6

0.00%

374.98%

154.69%

1-ExchangeRate: BDT to USD Average for Period

77.958751

 

81.865640

 

 

 

2-ExchangeRate: BDT to USD Average for Period

78.527953

 

81.865640

 

 

 

3-ExchangeRate: BDT to USD Period End Date

77.845936

 

81.199997

 

 

 

Banking Industry Specific USD (mil)

 

31-Dec-2012

31-Dec-2011

31-Dec-2010

31-Dec-2009

31-Dec-2008

 

Interest Income, Bank1 (?)

260.4

207.3

136.0

100.9

83.8

 

Total Interest Expense1 (?)

179.6

137.8

80.9

63.0

54.5

 

Loan Loss Provision1 (?)

24.7

10.8

15.8

22.9

14.4

 

Cash & Due from Banks3 (?)

345.9

266.9

184.1

192.4

132.4

 

Total Deposits3 (?)

2,066.1

1,674.3

1,566.9

1,108.2

775.8

 

1-ExchangeRate: BDT to USD Average for Period

81.865640

74.041708

69.602650

69.026932

68.582616

 

3-ExchangeRate: BDT to USD Period End Date

81.199997

81.830000

70.475000

69.260000

68.910000

 

Key Ratios

 

31-Dec-2012

31-Dec-2011

31-Dec-2010

31-Dec-2009

31-Dec-2008

Profitability

Pretax Margin (?)

17.53%

33.69%

38.34%

22.14%

25.45%

Net Profit Margin (?)

7.44%

19.19%

23.02%

13.39%

13.30%

Financial Strength

Long Term Debt/Equity (?)

0.07

0.00

0.00

0.10

0.00

Total Debt/Equity (?)

0.07

0.00

0.00

0.10

0.00

Management Effectiveness

Return on Assets (?)

0.84%

1.97%

1.98%

1.20%

1.33%

Return on Equity (?)

9.29%

24.77%

32.25%

18.49%

20.34%

Efficiency

Receivables Turnover (?)

0.08

0.09

0.10

0.10

0.11

Asset Turnover (?)

0.05

0.06

0.07

0.07

0.07

Market Valuation USD (mil)

P/E (TTM) (?)

11.46

.

Enterprise Value2 (?)

32.6

Price/Sales (TTM) (?)

2.00

.

Price/Book (MRQ) (?)

1.27

Enterprise Value/EBITDA (TTM) (?)

0.54

.

Market Cap1 (?)

297.1

1-ExchangeRate: BDT to USD on 13-Feb-2014

77.717322

 

 

 

2-ExchangeRate: BDT to USD on 30-Jun-2013

77.845936

 

 

 

 

 

Annual Ratios

 

 

Financials in: USD (mil)

 

Except for share items (millions) and per share items (actual units)

 

 



 

 

31-Dec-2012

31-Dec-2011

31-Dec-2010

31-Dec-2009

31-Dec-2008

Financial Strength

Long Term Debt/Equity (?)

0.07

0.00

0.00

0.10

0.00

Total Debt/Equity (?)

0.07

0.00

0.00

0.10

0.00

Long Term Debt/Total Capital (?)

0.06

0.00

0.00

0.09

0.00

Total Debt/Total Capital (?)

0.06

0.00

0.00

0.09

0.00

Payout Ratio (?)

39.58%

22.23%

0.00%

0.00%

0.00%

Effective Tax Rate (?)

57.59%

43.06%

39.95%

39.50%

47.73%

Total Capital1 (?)

238.5

195.1

110.9

90.3

63.6

 

 

 

 

 

 

Efficiency

Asset Turnover (?)

0.05

0.06

0.07

0.07

0.07

Receivables Turnover (?)

0.08

0.09

0.10

0.10

0.11

Days Receivables Outstanding (?)

4,402.33

4,004.24

3,524.43

3,612.98

3,421.64

Revenue/Employee2 (?)

37,149

38,089

40,702

29,890

26,019

 

 

 

 

 

 

Profitability

Pretax Margin (?)

17.53%

33.69%

38.34%

22.14%

25.45%

Net Profit Margin (?)

7.44%

19.19%

23.02%

13.39%

13.30%

 

 

 

 

 

 

Management Effectiveness

Return on Assets (?)

0.84%

1.97%

1.98%

1.20%

1.33%

Return on Equity (?)

9.29%

24.77%

32.25%

18.49%

20.34%

 

 

 

 

 

 

Valuation

Free Cash Flow/Share2 (?)

0.09

0.06

0.02

6.98

8.85

Operating Cash Flow/Share 2 (?)

0.12

0.09

0.03

7.70

10.06

1-ExchangeRate: BDT to USD Period End Date

81.199997

81.83

70.475

69.26

68.91

2-ExchangeRate: BDT to USD Average for Period

81.199997

81.83

70.475

69.26

68.91

 

Current Market Multiples

Market Cap/Earnings (TTM) (?)

11.46

Market Cap/Equity (MRQ) (?)

1.27

Market Cap/Revenue (TTM) (?)

1.03

Market Cap/EBIT (TTM) (?)

5.34

Market Cap/EBITDA (TTM) (?)

4.90

Enterprise Value/Earnings (TTM) (?)

1.26

Enterprise Value/Equity (MRQ) (?)

0.14

Enterprise Value/Revenue (TTM) (?)

0.11

Enterprise Value/EBIT (TTM) (?)

0.59

Enterprise Value/EBITDA (TTM) (?)

0.54

 

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.62.07

UK Pound

1

Rs.103.61

Euro

1

Rs.85.03

 

 

INFORMATION DETAILS

 

Report Prepared by :

NNA

 

 

RATING EXPLANATIONS

 

RATING

STATUS

 

 

PROPOSED CREDIT LINE

>86

Aaa

Possesses an extremely sound financial base with the strongest capability for timely payment of interest and principal sums

 

Unlimited

71-85

Aa

Possesses adequate working capital. No caution needed for credit transaction. It has above average (strong) capability for payment of interest and principal sums

 

Large

56-70

A

Financial & operational base are regarded healthy. General unfavourable factors will not cause fatal effect. Satisfactory capability for payment of interest and principal sums

 

Fairly Large

41-55

Ba

Overall operation is considered normal. Capable to meet normal commitments.

 

Satisfactory

26-40

B

Capability to overcome financial difficulties seems comparatively below average.

 

Small

11-25

Ca

Adverse factors are apparent. Repayment of interest and principal sums in default or expected to be in default upon maturity

 

Limited with full security

<10

C

Absolute credit risk exists. Caution needed to be exercised

 

 

Credit not recommended

--

NB

New Business

 

--

 

This score serves as a reference to assess SC’s credit risk and to set the amount of credit to be extended. It is calculated from a composite of weighted scores obtained from each of the major sections of this report. The assessed factors and their relative weights (as indicated through %) are as follows:

 

Financial condition (40%)            Ownership background (20%)                 Payment record (10%)

Credit history (10%)                    Market trend (10%)                                Operational size (10%)

 

PRIVATE & CONFIDENTIAL : This information is provided to you at your request, you having employed MIPL for such purpose. You will use the information as aid only in determining the propriety of giving credit and generally as an aid to your business and for no other purpose. You will hold the information in strict confidence, and shall not reveal it or make it known to the subject persons, firms or corporations or to any other. MIPL does not warrant the correctness of the information as you hold it free of any liability whatsoever. You will be liable to and indemnify MIPL for any loss, damage or expense, occasioned by your breach or non observance of any one, or more of these conditions

This report is issued at your request without any risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL) or its officials.