DSE : ABBANK
AB Bank PLC. — Financial statements
Commercial Banks · Bangladesh
Last price 4.4 BDT (At close: Oct 29, 2026) · Market cap 3.94B
Latest research: AB Bank (ABBANK) financial analysis: 56% NPL, negative equity, Tk16,875 crore provision gap (Oct 2026) · AB Bank: 56.5% of loans classified, equity of minus BDT 48.6bn and a BDT 16,875 crore provision gap
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Financial statements
Income statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 25.79B | 21.64B | 20.60B | |||
| Interest Income on Investments | -879.70M | -745.23M | 9.35B | |||
| Total Interest Income | -879.70M | -745.23M | 9.35B | 25.79B | 21.64B | 20.60B |
| Interest Paid on Deposits | 34.53B | 34.49B | 28.11B | 20.63B | 17.08B | 15.83B |
| Net Interest Income | -35.41B | -35.24B | -18.76B | 5.16B | 4.56B | 4.77B |
| Gain (Loss) on Sale of Investments | -335.72M | -293.33M | -386.20M | -254.39M | -576.28M | -456.48M |
| Other Non-Interest Income | 7.76B | 6.29B | 7.19B | 6.47B | 7.35B | 7.77B |
| Total Non-Interest Income | 7.42B | 6.00B | 6.80B | 6.21B | 6.77B | 7.31B |
| Revenues Before Loan Losses | -27.99B | -29.24B | -11.96B | 11.37B | 11.33B | 12.08B |
| Provision for Loan Losses | 5.16B | 1.95B | 87.32M | 2.12B | 2.21B | 4.11B |
| Revenue | -33.15B | -31.19B | -12.05B | 9.25B | 9.11B | 7.96B |
| Salaries and Employee Benefits | 3.42B | 3.54B | 3.32B | 3.22B | 3.25B | 3.15B |
| Occupancy Expenses | 1.51B | 1.52B | 1.42B | 1.38B | 1.37B | 1.31B |
| Selling, General & Administrative | 254.29M | 283.91M | 365.42M | 340.57M | 292.61M | 256.27M |
| Other Non-Interest Expense | 1.99B | 2.00B | 1.55B | 1.66B | 1.35B | 1.29B |
| Total Non-Interest Expense | 7.17B | 7.34B | 6.66B | 6.60B | 6.27B | 6.00B |
| EBT Excluding Unusual Items | -40.33B | -38.53B | -18.71B | 2.65B | 2.85B | 1.96B |
| Pretax Income | -40.33B | -38.53B | -18.71B | 2.65B | 2.85B | 1.96B |
| Income Tax Expense | 347.97M | 356.89M | 347.72M | 1.76B | 2.13B | 1.25B |
| Earnings From Continuing Operations | -40.68B | -38.89B | -19.06B | 893.74M | 714.35M | 716.80M |
| Minority Interest in Earnings | -80.72K | -309.78K | -516.79K | -215.64K | -157.98K | -189.98K |
| Net Income | -40.68B | -38.89B | -19.06B | 893.52M | 714.20M | 716.61M |
| Net Income to Common | -40.68B | -38.89B | -19.06B | 893.52M | 714.20M | 716.61M |
| Basic Shares Outstanding | 895.69M | 895.69M | 895.69M | 895.69M | 895.69M | 895.69M |
| Diluted Shares Outstanding | 895.69M | 895.69M | 895.69M | 895.69M | 895.69M | 895.69M |
| EPS (Basic) | -45.41 | -43.42 | -21.28 | 1.00 | 0.80 | 0.80 |
| EPS (Diluted) | -45.41 | -43.42 | -21.28 | 1.00 | 0.80 | 0.80 |
| Dividend Per Share | 0.19 | |||||
| Effective Tax Rate | 66.27% | 74.90% | 63.48% |
Balance sheet
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 10.64B | 6.52B | 7.75B | 17.51B | 13.14B | 21.75B |
| Investment Securities | 20.15B | 20.74B | 23.62B | 54.52B | 52.47B | 65.70B |
| Total Investments | 20.15B | 20.74B | 23.62B | 54.52B | 52.47B | 65.70B |
| Gross Loans | 446.74B | 434.84B | 391.24B | 360.62B | 359.44B | 312.21B |
| Allowance for Loan Losses | -22.98B | -22.98B | -25.32B | -26.14B | -27.26B | |
| Other Adjustments to Gross Loans | -50.29B | -43.98B | -26.56B | -9.05B | -11.77B | -13.17B |
| Net Loans | 373.47B | 367.88B | 339.37B | 325.43B | 320.41B | 299.04B |
| Property, Plant & Equipment | 3.30B | 3.39B | 3.13B | 3.35B | 3.56B | 3.96B |
| Other Intangible Assets | 191.38M | 196.90M | ||||
| Restricted Cash | 7.06B | 14.48B | 13.94B | 14.61B | 13.97B | 12.44B |
| Other Long-Term Assets | 9.80B | 8.88B | 24.27B | 21.97B | 8.81B | 10.26B |
| Total Assets | 424.43B | 421.89B | 412.08B | 437.39B | 412.55B | 413.36B |
| Accounts Payable | 555.46M | 102.17M | 13.65M | 17.83M | 17.50M | |
| Accrued Expenses | 37.66M | 39.40M | 46.38M | 109.21M | 117.78M | |
| Interest Bearing Deposits | 301.96B | 300.55B | 287.70B | 306.91B | 267.47B | 256.18B |
| Non-Interest Bearing Deposits | 31.26B | 30.43B | 33.87B | 45.82B | 46.91B | 30.92B |
| Total Deposits | 333.22B | 330.98B | 321.57B | 352.73B | 314.38B | 287.11B |
| Current Income Taxes Payable | 345.40M | 1.13B | ||||
| Other Current Liabilities | 1.45B | 1.87B | 977.33M | 1.66B | 1.89B | 10.97B |
| Long-Term Debt | 53.45B | 44.17B | 23.52B | 13.56B | 22.25B | 41.64B |
| Long-Term Leases | 60.00 | 18.38K | 573.80K | 90.07M | 317.02M | 508.57M |
| Other Long-Term Liabilities | 87.52B | 77.18B | 59.51B | 42.89B | 46.67B | 47.55B |
| Total Liabilities | 476.24B | 454.34B | 405.63B | 411.40B | 386.77B | 387.78B |
| Common Stock | 8.96B | 8.96B | 8.96B | 8.78B | 8.61B | 8.36B |
| Retained Earnings | -61.57B | -42.26B | -3.39B | 16.30B | 16.25B | 16.33B |
| Comprehensive Income & Other | 796.13M | 840.36M | 872.12M | 897.14M | 903.80M | 879.29M |
| Total Common Equity | -51.82B | -32.46B | 6.44B | 25.97B | 25.76B | 25.56B |
| Minority Interest | 13.32M | 13.32M | 13.01M | 12.50M | 12.28M | 12.13M |
| Shareholders' Equity | -51.80B | -32.45B | 6.45B | 25.99B | 25.77B | 25.58B |
| Total Liabilities & Equity | 424.43B | 421.89B | 412.08B | 437.39B | 412.55B | 413.36B |
| Total Debt | 53.45B | 44.17B | 23.52B | 13.65B | 22.56B | 42.15B |
| Net Cash (Debt) | -42.81B | -37.66B | -15.77B | 3.86B | -9.43B | -19.66B |
| Net Cash Per Share | -47.79 | -42.04 | -17.61 | 4.31 | -10.52 | -21.95 |
| Filing Date Shares Outstanding | 895.69M | 895.69M | 895.69M | 895.69M | 895.69M | 895.69M |
| Total Common Shares Outstanding | 895.69M | 895.69M | 895.69M | 895.69M | 895.69M | 895.69M |
| Book Value Per Share | -57.85 | -36.24 | 7.19 | 29.00 | 28.76 | 28.54 |
| Tangible Book Value | -51.82B | -32.46B | 6.44B | 25.97B | 25.57B | 25.37B |
| Tangible Book Value Per Share | -57.85 | -36.24 | 7.19 | 29.00 | 28.55 | 28.32 |
Cash flow statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | -40.68B | -38.89B | -19.06B | 893.52M | 714.20M | 716.61M |
| Depreciation & Amortization | 301.21M | 273.80M | 305.27M | 474.60M | 560.14M | 505.64M |
| Change in Other Net Operating Assets | 42.41B | 23.94B | 18.71B | -25.11B | -34.06B | -2.61B |
| Other Operating Activities | 2.07B | 3.26B | -3.28B | -3.58B | -1.89B | -3.93B |
| Operating Cash Flow | 4.10B | -11.41B | -3.32B | -27.32B | -34.68B | -5.31B |
| Capital Expenditures | -423.51M | -564.89M | -139.42M | -108.12M | -190.91M | |
| Sale of Property, Plant and Equipment | 2.09B | |||||
| Investment in Securities | 1.40B | 2.86B | 31.08B | -2.27B | 13.25B | -1.34B |
| Other Investing Activities | 1.00 | |||||
| Investing Cash Flow | 976.50M | 2.30B | 30.94B | -2.38B | 13.06B | 747.89M |
| Long-Term Debt Issued | 3.55B | |||||
| Long-Term Debt Repaid | -1.36B | -2.23B | -1.12B | -2.01B | ||
| Net Debt Issued (Repaid) | -536.81M | -1.36B | -2.23B | -1.12B | -2.01B | 3.55B |
| Common Dividends Paid | -572.66M | -701.76M | -519.26M | -480.59K | ||
| Net Increase (Decrease) in Deposit Accounts | -12.54B | 9.98B | -34.50B | 37.15B | 17.89B | 7.86B |
| Financing Cash Flow | -13.08B | 8.62B | -37.31B | 35.33B | 15.36B | 11.41B |
| Foreign Exchange Rate Adjustments | -217.31M | -187.21M | -753.99M | -612.28M | -827.92M | 29.32M |
| Net Cash Flow | -8.22B | -684.15M | -10.44B | 5.02B | -7.09B | 6.87B |
| Free Cash Flow | 3.68B | -11.98B | -3.46B | -27.43B | -34.87B | -5.31B |
| Free Cash Flow Margin | -296.58% | -382.62% | -66.73% | |||
| Free Cash Flow Per Share | 4.11 | -13.37 | -3.87 | -30.62 | -38.93 | -5.93 |
| Cash Interest Paid | 38.41B | 34.17B | 25.46B | 19.66B | 16.78B | 16.15B |
| Cash Income Tax Paid | 786.01M | 483.94M | 602.81M | 1.29B | 1.93B | 1.86B |
Ratios
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 3.94B | 3.67B | 6.90B | 8.52B | 8.52B | 11.28B |
| Last Close Price | 4.40 | 4.10 | 7.70 | 9.51 | 9.52 | 12.36 |
| PE Ratio | 9.53 | 11.93 | 15.75 | |||
| PS Ratio | -0.12 | -0.57 | 0.92 | 0.94 | 1.42 | |
| PB Ratio | -0.11 | 1.07 | 0.33 | 0.33 | 0.44 | |
| Debt / Equity Ratio | -1.03 | -1.36 | 3.64 | 0.53 | 0.88 | 1.65 |
| Debt / FCF Ratio | 14.53 | |||||
| Net Debt / Equity Ratio | -0.83 | -1.16 | 2.44 | -0.15 | 0.37 | 0.77 |
| Net Debt / FCF Ratio | 11.63 | -3.14 | -4.55 | 0.14 | -0.27 | -3.70 |
| Return on Equity (ROE) | -117.49% | 3.45% | 2.78% | 2.80% | ||
| Return on Assets (ROA) | -9.56% | -9.33% | -4.49% | 0.21% | 0.17% | 0.18% |
| Earnings Yield | -1,032.15% | -1,059.05% | -276.32% | 10.49% | 8.38% | 6.35% |
| FCF Yield | 93.36% | -326.16% | -50.21% | -322.02% | -409.14% | -47.09% |
| Dividend Yield | 4.24% | 1.48% | ||||
| Payout Ratio | 78.54% | 72.70% | 0.07% | |||
| Buyback Yield / Dilution | 0.00% | |||||
| Total Shareholder Return | 4.24% | 1.48% |