3rd Quarter Financial Statement (Un-audited) (Q 3 financial statement 2025)

30-Sep-25 31-Dec-24

PROPERTY AND ASSETS

Cash

Cash in hand

84,024

94,015

Balance with Bangladesh Bank

188,898,185

130,928,670

Balance with other Banks and

188,982,209

131,022,685

Financial Institutions

Inside Bangladesh

1,435,578,282

1,607,350,029

Outside Bangladesh - -

1,435,578,282

1,607,350,029

Money at call and short notice

-

-

Investment in Securities

Government

-

-

Others

1,041,716,071

1,498,715,777

Lease, Loans and Advances

1,041,716,071

1,498,715,777

In Bangladesh

14,252,305,295

14,685,177,896

Fixed Assets including Premises, Furniture

and Fixtures

744,297,924

697,956,483

Other Assets

2,360,728,572

2,073,262,975

Non Financial Assets

170,634,701

170,634,702

Total Assets

20,194,243,054

20,864,120,546

LIABILITIES AND CAPITAL

Liabilities

Financing (Borrowings) from other Banks,

4,605,711,773

4,717,804,520

Financial Institutions and Agents

Deposits and other Accounts

8,396,150,106

8,636,733,763

Other Liabilities

12,337,810,151

12,769,233,068

Total Liabilities

25,339,672,030

26,123,771,351

Capital/ Shareholders' Equity

Share Capital

1,882,362,670

1,882,362,670

Statutory Reserve General Reserve

Capital Reserve

512,775,889

-98,971,128

501,151,365

-98,971,128

Revaluation Surplus on Land and Building

523,812,536

525,158,414

Retained Earnings

(8,567,008,221)

(8,663,577,901)

Total Shareholders' Equity

(5,549,085,998)

(5,655,934,324)

Non Controlling Interest

403,657,023

396,283,519

Total Liabilities and Shareholders' Equity

20,194,243,054

20,864,120,546

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Company Secretary

Managing Director

Director

Chairman

30-Sep-25

30-Sep-24

Interest Income

757,331,228

1,071,571,476

Less: Interest paid on Deposits and Borrowings etc.

1,186,014,995

1,026,465,554

Net Interest Income

(428,683,766)

45,105,922

Income from Investment

(327,731,054)

195,659,216

Commission, Exchange and Brokerage

23,612,537

42,534,396

Other Operating Income

8,439,807

25,559,606

(295,678,710)

263,753,218

Total Operating Income

(724,362,476)

308,859,139

Salaries and Allowances

179,709,624

169,811,742

Rent, Taxes, Insurances, Electricity etc.

7,228,866

7,842,751

Legal and Professional Fees

3,067,834

2,676,016

Postage, Stamps, Telecommunication etc.

2,097,605

3,185,324

Stationery, Printings, Advertisements etc.

4,890,107

5,016,644

Managing Director's Salary and Allowances

5,802,500

5,802,500

Directors' Fees

1,697,500

1,221,000

Audit Fees

476,772

487,315

Depreciation and Repairs of Assets

44,364,606

46,904,972

Other Expenses

16,807,959

19,222,450

Total Operating Expenses

266,143,372

262,170,713

Profit/(Loss) before Provision

(990,505,848)

46,688,426

Specific Provisions for Classified Investment

(7,161,000)

70,000,000

General Provisions for Unclassified Investment

(544,531,756)

35,000,000

Special Provisions for Unclassified Investment

-

-

Provisions for Other Assets

249,500,000

-

Provisions for Off-Balance Sheet exposures

-

-

Provisions for Investment in Securities and Margin Loan

(580,858,023)

238,556,743

Total Provision

(883,050,779)

343,556,743

Total Profit/(Loss) before Provisions for Taxation

(107,455,069)

(296,868,317)

Current Tax Expenses

11,301,778

27,482,532

Deferred Tax Expenses/(benefit)

(232,978,677)

(126,712,585)

(221,676,899)

(99,230,053)

Net Profit/(Loss) after Taxation

114,221,830

(197,638,264)

Attributable to

114,221,830

(197,638,264)

Shareholder of the Company

106,848,326

(179,575,809)

Non-controlling Interest

7,373,503

(18,062,454)

Net Profit/(Loss) available for distribution

106,848,326

(179,575,809)

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Company Secretary

Managing Director

Director

Chairman

30-Sep-25

30-Sep-24

Cash Flows from Operating Activities

Interest received

777,268,430

1,235,153,465

Interest paid

(898,258,457)

(931,386,873)

Dividend received

(7,392,732)

21,616,232

Fees and Commission received

34,716,420

61,680,151

Cash Payments to Employees

(185,512,124)

(175,614,242)

Cash Payments to Suppliers

(5,807,435)

(6,161,449)

Income Tax Paid

(23,883,631)

(28,210,068)

Received from other Operating activities

(321,125,519)

207,406,143

Payments for other Operating activities

(47,938,210)

(59,793,060)

Cash generated from operating activities before changes in Operating

Assets and Liabilities

(677,933,258)

324,690,300

Changes in Operating Assets and Liabilities

Purchases/Sale of Trading Securities

456,999,706

(110,398,482)

Loans and Lease Finance to Customers

432,872,601

314,397,775

Other Assets

148,986,912

(255,336,270)

Deposits

(240,583,657)

(288,831,404)

Net drawdown of Term Loans

(162,651,568)

70,056,811

Net drawdown of Short Term Loans

17,058,821

(487,050,621)

Other Liabilities

(48,921,123)

290,675,682

Sub Total

603,761,693

(466,486,508)

A) Net Cash flows from Operating Activities

(74,171,566)

(141,796,208)

Cash flows from Investing Activities

Purchase/sale of non trading securities

-

-

Proceeds from Sale of fixed assets

15,022,101

1,959,495

Proceeds from Sale of non banking assets

-

-

(Purchase)/disposal of fixed assets including right-of-use assets

(82,243,096)

(11,385,571)

B) Net Cash flows from Investing Activities

(67,220,995)

(9,426,076)

Cash flows from Financing Activities

Increase/(decrease) of borrowings

-

-

Payment for lease liabilities

27,580,338

(17,292,893)

Dividend Paid

-

C) Net Cash flows from Financing Activities

27,580,338

(17,292,893)

D) Net Increase/(Decrease) in Cash and Cash Equivalents

(113,812,223)

(168,515,177)

(A+B+C)

E) Cash and Cash Equivalents at the beginning of the period

1,738,372,714

1,802,186,312

F) Cash and Cash Equivalents at the end of the period(D+E)

1,624,560,491

1,633,671,136

Net Operating Cash Flows per share (NOCFPS)

(0.39)

(0.75)

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Company Secretary

Managing Director

Director

Chairman

Particulars

Share

capital

Statutory

reserve

General

reserve

Capital

reserve

Revaluation

Surplus

Retained

earnings

Total

Non Controlling

Interest

Total

Equity

Balance as at 01 January 2025

1,882,362,670

501,151,365

-

98,971,128

525,158,410

(8,663,577,898)

(5,655,934,325)

396,283,519

(5,259,650,806)

Changes during the year 2025

10% Cash Dividend - 2022

-

-

-

-

-

-

-

-

-

Interim Cash Dividend - 2022

-

-

-

-

-

-

-

-

-

Profit/(Loss) for the year

-

-

-

-

-

106,848,326

106,848,326

7,373,503

114,221,830

Capital Reserve

-

-

-

-

-

-

-

-

-

Revaluation of Land and Building

-

-

-

-

-

-

-

-

-

Disposal of NBA

-

-

-

-

-

-

-

-

-

Transfer to retained earnings

-

-

-

-

(1,345,878)

1,345,878

-

-

-

Transfer to statutory reserve

-

11,624,524

-

-

-

(11,624,524)

-

-

-

-

11,624,524

-

-

(1,345,878)

96,569,681

106,848,326

7,373,503

114,221,830

Balance as at 30 September 2025

1,882,362,670

512,775,889

-

98,971,128

523,812,532

(8,567,008,217)

(5,549,085,998)

403,657,023

(5,145,428,976)

Balance as at 01 January 2024

1,882,362,670

501,151,365

-

98,971,128

526,952,914

(839,730,814)

2,169,707,263

500,984,378

2,670,691,641

Changes during the year 2024

10% Cash Dividend - 2022

-

-

-

-

-

-

-

-

-

Interim Cash Dividend - 2022

-

-

-

-

-

-

-

-

-

Profit/(Loss) for the year

-

-

-

-

-

(179,575,809)

(179,575,809)

(18,062,454)

(197,638,264)

Capital Reserve

-

-

-

-

-

-

-

-

-

Revaluation of Land and Building

-

-

-

-

-

-

-

-

-

Transfer to retained earnings

-

-

-

-

(1,345,878)

1,345,878

-

-

-

Transfer to statutory reserve

-

-

-

-

-

-

-

-

-

-

-

-

-

(1,345,878)

(178,229,931)

(179,575,809)

(18,062,454)

(197,638,264)

Balance as at 30 September 2024

1,882,362,670

501,151,365

-

98,971,128

525,607,036

(1,017,960,745)

1,990,131,454

482,921,924

2,473,053,377

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Company Secretary

Managing Director

Director

Chairman