DSE : ALARABANK
Al-Arafah Islami Bank PLC. — Financial statements
Commercial Banks · Bangladesh
Last price 15 BDT (At close: Oct 29, 2026) · Market cap 17.28B
Latest research: Al-Arafah Islami Bank financial analysis: 17.5% NPI, BDT 53.9bn deferred provisions, sponsors back (Oct 2026) · Al-Arafah Islami Bank: BDT 53.9bn of deferred provisions exceed its BDT 24.2bn equity as the founding sponsors return
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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 | 42.90B | 41.62B | 42.27B | 31.30B | 25.22B | 23.45B |
| Interest Paid on Deposits | 36.24B | 35.50B | 29.72B | 21.20B | 16.11B | 13.07B |
| Net Interest Income | 6.66B | 6.11B | 12.56B | 10.10B | 9.11B | 10.37B |
| Gain (Loss) on Sale of Investments | 290.11M | -176.59M | -176.39M | 9.84M | -31.39M | -8.46M |
| Other Non-Interest Income | 9.03B | 9.09B | 8.19B | 7.80B | 7.52B | 4.25B |
| Total Non-Interest Income | 9.32B | 8.91B | 8.02B | 7.81B | 7.49B | 4.24B |
| Revenues Before Loan Losses | 15.99B | 15.02B | 20.57B | 17.91B | 16.60B | 14.61B |
| Provision for Loan Losses | 2.23B | 2.23B | 3.73B | 2.76B | 3.17B | 2.65B |
| Revenue | 13.76B | 12.79B | 16.84B | 15.14B | 13.43B | 11.97B |
| Salaries and Employee Benefits | 5.71B | 5.64B | 6.29B | 5.22B | 4.57B | 3.96B |
| Occupancy Expenses | 1.64B | 1.59B | 1.57B | 1.47B | 1.46B | 1.29B |
| Selling, General & Administrative | 2.34B | 2.16B | 2.16B | 1.91B | 1.29B | 1.20B |
| Other Non-Interest Expense | 2.48B | 2.33B | 2.71B | 1.06B | 854.55M | 682.47M |
| Total Non-Interest Expense | 12.17B | 11.72B | 12.73B | 9.66B | 8.17B | 7.13B |
| EBT Excluding Unusual Items | 1.58B | 1.07B | 4.11B | 5.48B | 5.26B | 4.84B |
| Pretax Income | 1.58B | 1.07B | 4.11B | 5.48B | 5.26B | 4.84B |
| Income Tax Expense | 688.17M | 217.55M | 3.34B | 3.13B | 3.16B | 2.71B |
| Earnings From Continuing Operations | 896.74M | 854.36M | 764.67M | 2.36B | 2.11B | 2.13B |
| Minority Interest in Earnings | -7.26M | -620.10K | -9.72M | -5.46M | -30.04M | -38.86M |
| Net Income | 889.48M | 853.73M | 754.96M | 2.35B | 2.08B | 2.09B |
| Net Income to Common | 889.48M | 853.73M | 754.96M | 2.35B | 2.08B | 2.09B |
| Basic Shares Outstanding | 1.15B | 1.15B | 1.15B | 1.15B | 1.15B | 1.15B |
| Diluted Shares Outstanding | 1.15B | 1.15B | 1.15B | 1.15B | 1.15B | 1.15B |
| EPS (Basic) | 0.77 | 0.74 | 0.66 | 2.04 | 1.80 | 1.81 |
| EPS (Diluted) | 0.77 | 0.74 | 0.66 | 2.04 | 1.80 | 1.81 |
| Dividend Per Share | 0.95 | 1.11 | 1.39 | |||
| Effective Tax Rate | 43.42% | 20.29% | 81.39% | 57.01% | 59.98% | 56.05% |
Balance sheet
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 75.10B | 68.45B | 56.06B | 47.90B | 45.35B | 40.29B |
| Investment Securities | 25.55B | 27.21B | 31.03B | 21.66B | 20.43B | 33.55B |
| Total Investments | 25.55B | 27.21B | 31.03B | 21.66B | 20.43B | 33.55B |
| Gross Loans | 518.12B | 510.18B | 494.63B | 457.71B | 415.68B | 345.23B |
| Other Adjustments to Gross Loans | -11.93B | -12.35B | -12.59B | -10.59B | -8.89B | -8.34B |
| Net Loans | 506.19B | 497.82B | 482.04B | 447.12B | 406.79B | 336.89B |
| Property, Plant & Equipment | 5.68B | 5.35B | 5.13B | 4.84B | 4.95B | 5.30B |
| Other Intangible Assets | 582.04M | 446.84M | 175.83M | 192.00M | 172.04M | |
| Accrued Interest Receivable | 2.95B | 2.65B | 2.25B | 1.72B | 994.24M | |
| Other Receivables | 824.04M | 311.49M | 12.40B | 10.11M | ||
| Restricted Cash | 23.52B | 21.47B | 24.27B | 20.19B | 23.99B | 18.95B |
| Other Current Assets | 13.87B | 17.78B | 16.33B | 418.74M | 398.14M | |
| Other Long-Term Assets | 24.20B | 6.73B | -1.15B | 444.73M | 30.90B | 26.15B |
| Total Assets | 660.23B | 645.26B | 618.56B | 573.31B | 534.76B | 462.69B |
| Accrued Expenses | 469.57M | 307.02M | 55.44M | 59.36M | 29.74M | |
| Interest Bearing Deposits | 475.78B | 473.80B | 443.33B | 410.32B | 385.05B | 346.13B |
| Total Deposits | 475.78B | 473.80B | 443.33B | 410.32B | 385.05B | 346.13B |
| Current Portion of Long-Term Debt | 32.51B | |||||
| Current Income Taxes Payable | 12.43B | 18.56B | 17.18B | 20.45B | 17.28B | |
| Accrued Interest Payable | 6.69B | 7.19B | 6.61B | 4.54B | 3.98B | 2.93B |
| Other Current Liabilities | 5.86B | 4.98B | 4.09B | 6.34B | 4.48B | 4.33B |
| Long-Term Debt | 73.57B | 70.64B | 78.47B | 77.35B | 70.13B | 14.60B |
| Long-Term Leases | 792.77M | 690.53M | 896.60M | 940.80M | 1.22B | |
| Pension & Post-Retirement Benefits | 1.50K | 1.50K | 16.00 | |||
| Long-Term Deferred Tax Liabilities | 37.09M | 40.24M | 44.42M | 93.60M | ||
| Other Long-Term Liabilities | 71.53B | 48.90B | 40.77B | 30.08B | 23.69B | 17.67B |
| Total Liabilities | 633.43B | 619.20B | 592.87B | 546.81B | 508.84B | 436.79B |
| Common Stock | 11.52B | 11.52B | 11.52B | 10.97B | 10.65B | 10.65B |
| Retained Earnings | 12.51B | 11.77B | 11.41B | 12.77B | 12.49B | 12.47B |
| Comprehensive Income & Other | 1.08B | 1.08B | 1.09B | 1.08B | 1.08B | 1.08B |
| Total Common Equity | 25.11B | 24.37B | 24.01B | 24.82B | 24.22B | 24.21B |
| Minority Interest | 1.69B | 1.68B | 1.68B | 1.67B | 1.69B | 1.69B |
| Shareholders' Equity | 26.80B | 26.06B | 25.70B | 26.50B | 25.92B | 25.90B |
| Total Liabilities & Equity | 660.23B | 645.26B | 618.56B | 573.31B | 534.76B | 462.69B |
| Total Debt | 73.57B | 71.43B | 79.16B | 78.25B | 71.07B | 48.32B |
| Net Cash (Debt) | 6.42B | 3.62B | -16.16B | -22.10B | -17.75B | 15.95B |
| Net Cash Per Share | 5.58 | 3.14 | -14.03 | -19.19 | -15.41 | 13.85 |
| Filing Date Shares Outstanding | 1.15B | 1.15B | 1.15B | 1.15B | 1.15B | 1.15B |
| Total Common Shares Outstanding | 1.15B | 1.15B | 1.15B | 1.15B | 1.15B | 1.15B |
| Book Value Per Share | 21.81 | 21.16 | 20.85 | 21.55 | 21.03 | 21.02 |
| Tangible Book Value | 25.11B | 23.79B | 23.57B | 24.65B | 24.03B | 24.03B |
| Tangible Book Value Per Share | 21.81 | 20.66 | 20.46 | 21.40 | 20.87 | 20.87 |
Cash flow statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 889.48M | 853.73M | 754.96M | 2.35B | 2.08B | 2.09B |
| Depreciation & Amortization | 769.76M | 732.82M | 901.06M | 996.35M | 875.89M | 768.88M |
| Other Amortization | 161.63M | 161.63M | ||||
| Change in Trading Asset Securities | 545.78M | 545.78M | -360.52M | -3.87B | -2.89B | -4.67B |
| Change in Other Net Operating Assets | -11.31B | -19.74B | -25.97B | -28.01B | -34.36B | -38.90B |
| Other Operating Activities | 711.37M | 131.63M | 7.85B | 4.29B | 5.53B | 3.16B |
| Operating Cash Flow | -8.23B | -17.32B | -16.82B | -24.25B | -28.76B | -37.55B |
| Capital Expenditures | -876.45M | -1.25B | -1.47B | -793.65M | -609.31M | -460.73M |
| Sale of Property, Plant and Equipment | -3.95M | 995.55K | 5.08M | |||
| Investing Cash Flow | -911.40M | -1.25B | -1.46B | -793.65M | -609.31M | -460.73M |
| Long-Term Debt Issued | 1.41B | 3.40B | ||||
| Long-Term Debt Repaid | -2.60B | -2.00B | -10.00M | |||
| Net Debt Issued (Repaid) | -2.60B | -2.60B | -2.00B | -10.00M | 1.41B | 3.40B |
| Issuance of Common Stock | 548.42M | 319.47M | ||||
| Common Dividends Paid | -1.10B | -1.32B | -1.65B | -1.60B | ||
| Net Increase (Decrease) in Deposit Accounts | 12.16B | 30.75B | 33.07B | 24.80B | 39.71B | 27.74B |
| Other Financing Activities | -1.07M | -2.08M | 2.08M | -796.74K | 639.20K | 4.89K |
| Financing Cash Flow | 9.56B | 28.15B | 30.52B | 23.79B | 39.48B | 29.54B |
| Net Cash Flow | 412.37M | 9.58B | 12.24B | -1.25B | 10.11B | -8.47B |
| Free Cash Flow | -9.11B | -18.57B | -18.29B | -25.04B | -29.37B | -38.01B |
| Free Cash Flow Margin | -66.20% | -145.18% | -108.63% | -165.34% | -218.69% | -317.60% |
| Free Cash Flow Per Share | -7.91 | -16.12 | -15.88 | -21.74 | -25.50 | -33.00 |
| Cash Interest Paid | 35.81B | 34.93B | 28.48B | 20.65B | 15.06B | 13.55B |
| Cash Income Tax Paid | 1.29B | 2.64B | 3.41B | 2.94B | 2.13B | 2.11B |
Ratios
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 17.74B | 17.28B | 22.46B | 26.00B | 25.13B | 28.33B |
| Last Close Price | 15.40 | 15.00 | 19.50 | 21.68 | 20.01 | 21.28 |
| PE Ratio | 19.94 | 20.23 | 29.75 | 11.06 | 12.10 | 13.57 |
| PS Ratio | 1.29 | 1.35 | 1.33 | 1.72 | 1.87 | 2.37 |
| PB Ratio | 0.66 | 0.66 | 0.87 | 0.98 | 0.97 | 1.09 |
| Debt / Equity Ratio | 2.75 | 2.74 | 3.08 | 2.95 | 2.74 | 1.87 |
| Net Debt / Equity Ratio | -0.24 | -0.14 | 0.63 | 0.83 | 0.69 | -0.62 |
| Net Debt / FCF Ratio | 0.70 | 0.20 | -0.88 | -0.88 | -0.60 | 0.42 |
| Return on Equity (ROE) | 3.37% | 3.30% | 2.93% | 8.99% | 8.13% | 8.28% |
| Return on Assets (ROA) | 0.14% | 0.14% | 0.13% | 0.43% | 0.42% | 0.48% |
| Earnings Yield | 5.02% | 4.94% | 3.36% | 9.04% | 8.26% | 7.37% |
| FCF Yield | -51.35% | -107.47% | -81.44% | -96.33% | -116.86% | -134.19% |
| Dividend Yield | 4.22% | 5.08% | 5.64% | |||
| Payout Ratio | 145.29% | 55.98% | 79.22% | 76.52% | ||
| Buyback Yield / Dilution | 0.00% | 0.00% | ||||
| Total Shareholder Return | 4.22% | 5.08% | 5.64% |