Sheet1

NCC Bank
Current Ratio
Quick Ratio
Rec. Turnover
Inventory Turnover

N/A
N/A

SEBL

ICBIBANK
2010
0.90855889
0.85029271
N/A
N/A
N/A
N/A

Rupali Bank
1.11013836
0.87397875
N/A
N/A

Profit Margin
Asset Turnover
Return on Assets

0.32543928
0.0694176
0.02259121

0.07273057
0.04513886
0.01145766

Return on Common stockholder Equity

EPS
P-E Ratio
Payout Ratio

0.19407825
45.1978661
7.16848002
0

0.04241903
48.023361
33.220811
0

Debt to Asset Ratio

Times Interest Earned

0.87005587
1.64943057

0.88627368
1.41160564

Current Ratio
Quick Ratio
Rec. Turnover
Inventory Turnover

N/A
N/A

2009
0.84008678
0.81536212
N/A
N/A
N/A
N/A

1.3794906
1.3794906
N/A
N/A

Profit Margin
Asset Turnover
Return on Assets
Return on Common stockholder Equity
EPS
P-E Ratio
Payout Ratio

0.319187
0.06044836
0.02850673
0.29573688
32.4381888
9.9882272
0.1548348

0.22982725
0.04580168
0.01900515
(0.29891745)
133.479146
8.40299804
0

Debt to Asset Ratio

Times Interest Earned

0.89945438
1.45682443

1.06357992
1.51516329

Page 1

Sheet1

Page 2

Sheet1
Average

PGCB

1.00934862 3.73746238
0.86213573 3.36024336
#DIV/0!
209.529271
N/A
N/A
#DIV/0!
0.19908493 0.27101344
0.05727823 0.09761601
0.01702444 0.02645525

Current Ratio
4
3.5

3
2.5
2
1.5
1

0.11824864
46.6106135
20.1946455
0
#DIV/0!
0.87816477
1.53051811

0.10604946
44.1052787
26.3007068
0.61217162

0.5
0

NCC Bank SEBL ICBIBANK

Rupali BankAverage

PGCB

0.74558177
0.56694054

Quick Ratio
1.10978869 3.78492029
1.09742636 3.43342431
#DIV/0!
4.31485311
N/A
N/A
#DIV/0!
0.27450712 0.28003852
0.05312502 0.19566229
0.02375594 0.05479298
-0.00159028 0.22446247
82.9586673 43.9153727
9.19561262 26.4144405
0.0774174 0.60983775
#DIV/0!
0.98151715 0.75589247
1.48599386
0.6796958

3.5
3
2.5
2
1.5
1
0.5
0
NCC Bank

SEBL

ICBIBANKRupali Bank Average

Receivables Turnover
250
200
150
100
50

0
NCC Bank

Page 3

SEBL

ICBIBANKRupali Bank Average

Sheet1

Profit Margin
0.35
0.3
0.25
0.2
0.15
0.1
0.05

0
NCC Bank

SEBL

ICBIBANK Rupali Bank

Average

Asset Turnover
0.2
0.18
0.16
0.14
0.12
0.1
0.08
0.06
0.04
0.02
0
NCC Bank

Page 4

SEBL

ICBIBANK

Rupali
Bank

Average

Sheet1

Return on Assets
0.06
0.05
0.04
2009

0.03

2010

0.02
0.01
0

PGCB

NCC Bank SEBL ICBIBANK

Rupali BankAverage

Return on Common Stockholder Equity

0.3
0.25
0.2
2009

0.15

2010

0.1
0.05
Average

PGCB

NCC Bank

SEBL

ceivables Turnover

ICBIBANKRupali Bank Average

Earnings per Share

140

120
100
2009

80

2010

60

40
20
Average

PGCB

NCC Bank

Page 5

SEBL

ICBIBANKRupali Bank Average

Sheet1

Price-Earnings Ratio
35
30
25
2009

2010

20
15

10
5
Average

PGCB

NCC Bank

SEBL

Asset Turnover

ICBIBANK

Rupali
Bank

Average

Payout Ratio
0.7
0.6
0.5
2009
2010

0.4
0.3
0.2
0.1

Average

PGCB

0
NCC Bank

Page 6

SEBL

ICBIBANK

Rupali
Bank

Average

Sheet1

Return on Assets

2009

2010

Average

Debt to Asset Ratio

PGCB

1.2

1
0.8

Common Stockholder Equity

0.6

0.4
0.2
0

NCC Bank SEBL ICBIBANK

Rupali BankAverage
2009
2010

Average

Times Interest Earned

PGCB

3.5
3
2.5

Earnings per Share

2
1.5
1
0.5
0
1.456824431
2009
2010

Average

PGCB

Page 7

1.515163291.485993861

Sheet1

Earnings Ratio

2009
2010

Average

PGCB

Payout Ratio

2009
2010

Average

PGCB

Page 8

Sheet1

Debt to Asset Ratio

2009
2010

Average

PGCB

mes Interest Earned

2009
2010

1.485993861
0.679695803

Page 9

PGCB
ITEM
Assets

2010

2009

Inventories
Receivables
Prepaid Items
Cash & Equivalents
Current Assets

685,483,498
1,352,523,069
657,724,742
10,612,691,429
13,308,422,738

568,138,491
1,324,223,262
620,132,559
10,282,847,457
12,795,341,769

Property, Plant & Eq.

Capital, WiP
Non-current Assets

33,383,269,863
16,392,344,102
49,775,613,965

33,135,201,489
12,474,463,900
45,609,665,389

63,084,036,703

58,405,007,158

Term Loan interest bearing

Interest Payable
Liabilities for Expenses
Liabilities for other finance
Provision for Taxation
Current Liabilities

1,790,359,768
1,154,536,079
122,341,304
187,377,601
306,203,090
3,560,817,842

1,104,162,608
998,942,459
124,304,346
846,998,129
306,203,090
3,380,610,632

Term Loan interest bearing

Interest Payable
SIDA Grant
Deferred liability
Deferred Tax
Non-current Liabilities

39,428,415,143
1,697,315,307
140,377,926
328,218,950
1,879,162,378
43,473,489,704

37,388,769,313
1,423,542,676
140,377,926
264,663,472
1,549,940,936
40,767,294,323

47,034,307,546

44,147,904,955

3,643,581,000
8,288,522,908
4,117,625,249
16,049,729,157

3,643,581,000
7,119,140,637
3,494,380,566
14,257,102,203

Revenue
Transmission Expenses
Gross Profit

5,929,637,919
(3,274,436,664)
2,655,201,255

5,713,828,865
(3,191,975,197)
2,521,853,668

Administrative Expenses
Finance Income
Other Income
Finance Expenses
Contribution to WPPF
Profit before Taxes
Income Tax Expenses
Net Profit

(142,367,454)
909,081,121
148,365,830
(1,231,898,300)
(111,351,545)
2,227,030,907
(620,019,354)
1,607,011,553

(130,515,356)
1,078,814,191
52,278,338
(1,222,328,269)
(106,889,529)
2,193,213,043
(593,120,869)
1,600,092,174

Cash Received
Interest Paid
Cash Dividend Paid

5,922,353,487
(1,076,304,680)
(983,766,870)

5,637,270,707
(804,271,649)
(975,796,606)

Total Assets
Liabilities

Total Liabilities
Equity
Share Capital
Deposit for Shares
Retained Earnings
Total Shareholder Equity

Page 10

PGCB
* from Financial Statement p.55

*from Profit and Loss Account p.56

*from Cash Flow Statement p. 58

Page 11

RUPALI BANK
Particulars
Assets
Cash in hand (including foreign currencies)
Balance with Bangladesh Bank & Sonali Bank
Balance with other banks & financial institutions
Money at call on short notice
Investment
Loans and advances
Other assets
Total Current Assets
Balance with other banks & financial institutions
Investment
Loans and advances
Other assets
Fixed assets (including premises,furniture & fixture)
Non banking assets
Total Non Current Assets
Total Assets
Liabilities
Borrowing from Bangladesh Bank,other banks,
Financial institutions and agents
Deposit Accounts
Provision & other liabilities
Total Current Liabilities
Borrowing from Bangladesh Bank,other banks,
Financial institutions and agents
Deposit Accounts
Provision & other liabilities
Total Non Current Liabilities
Total Liabilities
Capital & Shareholder's equity
Paidup capital
Share money deposit
Gain on sale of assets of Karachi branch
Statutory Reserve
Other Reserve
Balance of Profit & Loss Account
Total Shareholder's equity
Total Liabilitie & Shareholder's Equity

Interest Income
Less: Interest paid on Deposits & borrowing etc.
Net Interst Income
Interest from Investment
Commission,Exchange,Service charge etc
Other Operating Income

Page 12

RUPALI BANK
Total Operating Income
Sallary & Allowance
Managing Director's Fee
Director's Fee
Rent, Taxes, Insurance, Electricity etc
Legal Expense
Postage, Stamp, Telegram & Telephone
Audit Fee
Stationary, Printing, Advertisement etc
Loss/Expenses for bad loan
Depreciation and repairs to bank's property
Other expenses
Total Operating Expenses
Profit before provision
Provision for: Loans and advances
Off Balance Sheet Items
Other assets
Other provision
Total Provision
Total Profit before Tax
Provision for tax
Total Profit after Tax

Page 13

RUPALI BANK
2010

2009

1,458,862,759
6,083,778,114
2,465,023,347
3,200,000,000
1,272,346,395
40,311,631,031
2,025,639,826
56,817,281,472

*** Data taken from Balance sheet; P-115

1,370,642,112
3,915,764,720 *** The current and non-current portion of the items presented in the balanc
1,845,576,457
are calculated from the Liquidity statement in Page 122 for the year ende
3,700,000,000
9,723,325 *** The current and non-current portion of the items presented in the balanc
32,032,592,227
are calculated from the Notes to Balance Sheet in p.(136-152) for the yea
7,755,650,032
50,629,948,873

223,500,000
14,444,848,327
25,737,335,108
17,690,790,493
9,520,746,146
67,617,220,074

224100000
14,293,281,079
20,311,578,963
2,332,537,980
37,161,498,022

124,434,501,546

87,791,446,895

266,697,248
47,899,275,115
3,014,388,054
51,180,360,417

36,701,916,519

2,799,997

337,206,339

43,224,479,902
15,875,383,569
59,102,663,468

37,101,520,669
19,232,576,344
56,671,303,352

110,283,023,885

93,373,219,871

1,250,000,000
74,953,800
335,562,500
1,535,376,752
10,640,438,287
315,146,322
14,151,477,661

1,250,000,000
74,953,800
335,562,500
1,250,231,061
3,594,213,893
(12,086,734,230)
(5,581,772,976)

124,434,501,546

87,791,446,895

5,552,622,912
3,463,821,453
2,088,801,459
1,762,760,524
923,724,156
14,532,896

36,701,916,519

4978543342 *from Profit and Loss Account p.117

3238758184
1,739,785,158
1558950825
719,318,902
2,941,081

Page 14

RUPALI BANK
4,789,819,035

4,020,995,966

1,626,272,273
527,860
1,611,000
144,957,187
2,144,748
11,234,992
515,000
36,928,583
69,043,052
449,730,375
2,342,965,070

1,390,433,790
364,020
908,000
132,432,004
658,967
9,085,384
500,000
33,832,079
54,106,664
299,962,741
1,922,283,649

2,446,853,965

2,098,712,317

1,021,125,510
1,021,125,510
1,425,728,455
825,436,442

1,744,000
24,869,092
403,609,903
430,222,995
1,668,489,322
0

600,292,013

1,668,489,322

Page 15

RUPALI BANK

urrent portion of the items presented in the balance sheet

he Liquidity statement in Page 122 for the year ended 2010.

urrent portion of the items presented in the balance sheet

he Notes to Balance Sheet in p.(136-152) for the year ended 2009.

Page 16

Particulars
Assets

2010
Cash in hand (including foreign currencies)
Balance with other banks & financial institutions
Money at call on short notice
Investment
Loans and advances
Other assets

1,521,172,604
3,031,107,119
509,500,000
3,404,794,626
63,973,887,493
4,963,971,651

Total Current Assets

77,404,433,493

Cash in hand
Investment
Loans and advances
Other assets
Fixed assets (including premises,furniture & fixture)
Non banking assets

5,774,410,000
14,922,852,647
28,478,728,000
899,970,000
4,463,082,010

Total Non Current Assets

Total Assets

54,539,042,657
131,943,476,150

Liabilities
Borrowing from Bangladesh Bank,other banks,
financial institutions and agents
Deposit Accounts
Provision & other liabilities

680000000
82,815,099,773
1,699,635,116

Total Current Liabilities

85,194,734,889

Borrowing from Bangladesh Bank,other banks,

financial institutions and agents
Deposit Accounts
Provision & other liabilities

296,452,941
24,914,488,000
4,392,519,709

Total Non Current Liabilities

29,603,460,650

Total Liabilities

114,798,195,539

Capital & Shareholder's equity

Paidup capital
Share premium
Statutory Reserve
Revaluation reserve
Other Reserve
Retained earnings

Total Shareholder's equity

Total Liabilities & Shareholder's Equity

Interest Income

6,930,840,400
1,386,168,060
3,650,252,294
3,151,727,770
247,650,000
1,778,642,087

17,145,280,611
131,943,476,150

10,257,037,859

Less: Interest paid on Deposits & borrowing etc.

Net Interst Income
Interest from Investment
Commission,Exchange,Service charge etc
Other Operating Income
Total Operating Income

7,580,851,090
2,676,186,769
3,788,427,272
1,700,994,440
324,873,820
8,490,482,301

Sallary & Allowance

Managing Director's Fee
Director's Fee
Rent, Taxes, Insurance, Electricity etc
Legal Expense
Postage, Stamp, Telegram & Telephone
Audit Fee
Stationary, Printing, Advertisement etc
Loss/Expenses for bad loan
Depreciation and repairs to bank's property
Other expenses
Total Operating Expenses

729,128,338
10,350,000
3,010,379
228,471,845
294,149
78,316,636
500,000
80,668,877
183,357,463
421,443,131
1,735,540,818

Profit before provision

6,754,941,483

Provision for: Provision for loans and advances/investments

General provision
Specific provision

144,200,000
1,500,000,000

Provision for off-balance sheet items

Other provisions
Less: Revarsal of provision for diminution in value of investments

202,950,000
1,000,000
(16,444,985)

Total provision (D)

1,831,705,015

Total Profit Before Tax

4,923,236,468

Provision for taxation

Current
Deferred

2,145,600,000
14,500,000

Net Profit After Tax

2,763,136,468

Payment of Dividend

Market Price on 6/7/2011

324

2009

2008

*** Data taken from Balance sheet; Page 95

6,020,357,579
1,122,345,917
189,700,000
7,787,293,744
52,778,651,199
2,058,917,858

69,957,266,297

*** The current and non-current portion of the items for 2010 presented in the b
are calculated from the Liquidity statement in Page 151 of annual report 201

*** The current and non-current portion of the items for 2009 presented in the b
are calculated from the Liquidity statement in Page 95 of annual report 2009

13,562,940,106
24,718,922,000
99,511,486
4,338,345,035
-

42,719,718,627
112,676,984,924

81,181,527,919 ***Total assets item of 2008 is in annual report 2009

81,687,139,000
1,586,718,076

83,273,857,076

261,836,236
14,981,913,139
2,830,201,186

18,073,950,561
101,347,807,637

3,422,637,300
2,665,605,000
3,710,209,074
251,854,046
1,278,871,867

11,329,177,287

7,357,274,431 ***Total Shareholder's equity of 2008 is in annual report 2009

112,676,984,924

8,962,092,477

*from Profit and Loss Account p.97

7,555,998,616
1,406,093,861
2,615,816,028
1,644,226,192
193,078,837
5,859,214,918
526,015,328
9,207,250
3,440,553
170,558,136
359,253
54,018,201
500,000
66,715,189
121,238,874
292,503,363
1,244,556,147
4,614,658,771

186,685,000
923,500,000
38,300,000
14,409,000
-

1,162,894,000
3,451,764,771

1,581,579,531
-

1,870,185,240

427,829,670

***From CashFlow Statement p99

***Based on Dhaka Stock Exchange Website

or 2010 presented in the balance sheet

ge 151 of annual report 2010.

or 2009 presented in the balance sheet

ge 95 of annual report 2009 (downloaded from internet).