DSE : BANKASIA
Bank Asia PLC. — Financial statements
Commercial Banks · Bangladesh
Last price 17 BDT (At close: Oct 29, 2026) · Market cap 23.66B
Latest research: Bank Asia valuation report: fair value BDT 6.3–19.4 (Oct 2026) · Bank Asia's median 9.9% ROE against a 15.8% cost of equity puts fair value at BDT 6–19
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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 | 29.21B | 28.80B | 30.65B | 23.38B | 20.48B | 18.42B |
| Interest Paid on Deposits | 31.47B | 30.08B | 24.51B | 17.07B | 14.94B | 12.73B |
| Net Interest Income | -2.26B | -1.28B | 6.14B | 6.31B | 5.55B | 5.69B |
| Gain (Loss) on Sale of Investments | 2.94B | 3.07B | 360.26M | 763.11M | 256.25M | 2.41B |
| Other Non-Interest Income | 27.03B | 28.02B | 20.38B | 14.30B | 14.89B | 9.14B |
| Total Non-Interest Income | 29.97B | 31.09B | 20.74B | 15.06B | 15.14B | 11.55B |
| Revenues Before Loan Losses | 27.71B | 29.82B | 26.88B | 21.38B | 20.69B | 17.24B |
| Provision for Loan Losses | 10.93B | 13.48B | 10.02B | 6.55B | 4.29B | 4.34B |
| Revenue | 16.79B | 16.34B | 16.86B | 14.82B | 16.40B | 12.90B |
| Salaries and Employee Benefits | 6.61B | 6.19B | 5.84B | 5.41B | 5.18B | 4.00B |
| Occupancy Expenses | 1.76B | 1.73B | 1.69B | 1.69B | 1.59B | 1.39B |
| Selling, General & Administrative | 544.76M | 547.49M | 437.48M | 420.06M | 387.46M | 285.82M |
| Other Non-Interest Expense | 3.08B | 2.73B | 2.45B | 2.48B | 2.62B | 2.70B |
| Total Non-Interest Expense | 11.99B | 11.20B | 10.41B | 9.99B | 9.78B | 8.37B |
| EBT Excluding Unusual Items | 4.80B | 5.14B | 6.45B | 4.83B | 6.62B | 4.52B |
| Pretax Income | 4.80B | 5.14B | 6.45B | 4.83B | 6.62B | 4.52B |
| Income Tax Expense | 823.82M | 704.04M | 3.58B | 2.35B | 3.57B | 1.79B |
| Earnings From Continuing Operations | 3.97B | 4.44B | 2.87B | 2.48B | 3.05B | 2.73B |
| Minority Interest in Earnings | -167.00 | -111.00 | -33.00 | -12.00 | -11.00 | -76.00 |
| Net Income | 3.97B | 4.44B | 2.87B | 2.48B | 3.05B | 2.73B |
| Net Income to Common | 3.97B | 4.44B | 2.87B | 2.48B | 3.05B | 2.73B |
| Basic Shares Outstanding | 1.39B | 1.39B | 1.39B | 1.39B | 1.39B | 1.39B |
| Diluted Shares Outstanding | 1.39B | 1.39B | 1.39B | 1.39B | 1.39B | 1.39B |
| EPS (Basic) | 2.85 | 3.19 | 2.06 | 1.78 | 2.19 | 1.96 |
| EPS (Diluted) | 2.85 | 3.19 | 2.06 | 1.78 | 2.19 | 1.96 |
| Dividend Per Share | 0.78 | 0.78 | 0.84 | 1.26 | 1.26 | 1.26 |
| Effective Tax Rate | 17.18% | 13.69% | 55.55% | 48.68% | 53.89% | 39.68% |
Balance sheet
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 19.88B | 8.98B | 18.51B | 26.47B | 46.25B | 48.97B |
| Investment Securities | 289.94B | 25.53B | 15.20B | 13.33B | 13.42B | 77.95B |
| Total Investments | 289.94B | 25.53B | 15.20B | 13.33B | 13.42B | 77.95B |
| Gross Loans | 296.70B | 337.70B | 332.41B | 321.69B | 304.60B | 285.28B |
| Allowance for Loan Losses | -29.03B | -28.55B | -22.42B | -19.61B | -16.02B | |
| Other Adjustments to Gross Loans | -10.41B | -7.33B | -5.20B | -4.40B | -4.27B | |
| Net Loans | 296.70B | 298.26B | 296.53B | 294.07B | 280.59B | 265.00B |
| Property, Plant & Equipment | 4.58B | 4.99B | 5.27B | 5.93B | 5.68B | 6.12B |
| Other Intangible Assets | 24.00M | 24.00M | 24.00M | 24.00M | 24.00M | |
| Accrued Interest Receivable | 2.86B | 2.65B | 2.07B | 1.30B | 1.62B | |
| Other Receivables | 150.04M | 116.95M | 162.98M | 102.81M | 178.21M | |
| Restricted Cash | 44.05B | 234.63B | 184.36B | 122.20B | 113.70B | 32.09B |
| Other Current Assets | 15.77B | 11.88B | 11.11B | 8.14B | 8.20B | |
| Other Long-Term Assets | 24.96B | 732.86M | 772.35M | 1.18B | 1.52B | 884.93M |
| Total Assets | 680.09B | 591.93B | 535.31B | 476.55B | 470.72B | 441.03B |
| Accrued Expenses | 1.42B | 1.48B | 1.76B | 1.61B | 1.80B | |
| Interest Bearing Deposits | 452.65B | 376.38B | 339.41B | 284.18B | 265.15B | 250.15B |
| Non-Interest Bearing Deposits | 77.39B | 77.21B | 74.24B | 73.58B | 68.53B | 64.29B |
| Total Deposits | 530.05B | 453.59B | 413.65B | 357.76B | 333.69B | 314.45B |
| Current Income Taxes Payable | 14.99B | 15.61B | 13.69B | 11.39B | 10.18B | |
| Accrued Interest Payable | 67.36M | 28.52M | 72.81M | 91.58M | 151.32M | |
| Other Current Liabilities | 3.03B | 3.00B | 3.16B | 4.05B | 4.25B | 3.99B |
| Long-Term Debt | 42.56B | 36.04B | 25.79B | 34.75B | 60.36B | 56.44B |
| Long-Term Leases | 561.71M | 511.23M | 796.85M | 341.39M | 467.22M | |
| Long-Term Unearned Revenue | 710.45M | 1.38B | 972.85M | 806.30M | 896.43M | |
| Long-Term Deferred Tax Liabilities | 472.02M | 472.02M | 472.02M | |||
| Other Long-Term Liabilities | 64.84B | 46.38B | 41.89B | 32.83B | 29.25B | 24.98B |
| Total Liabilities | 640.48B | 556.76B | 503.50B | 447.15B | 442.26B | 413.82B |
| Common Stock | 13.92B | 12.82B | 11.66B | 11.66B | 11.66B | 11.66B |
| Retained Earnings | 20.17B | 17.70B | 15.91B | 15.11B | 14.72B | 13.38B |
| Comprehensive Income & Other | 5.53B | 4.64B | 4.24B | 2.63B | 2.09B | 2.16B |
| Total Common Equity | 39.61B | 35.17B | 31.81B | 29.40B | 28.46B | 27.20B |
| Minority Interest | 70.58K | 70.44K | 10.33K | 10.30K | 10.29K | 10.27K |
| Shareholders' Equity | 39.61B | 35.17B | 31.81B | 29.40B | 28.46B | 27.20B |
| Total Liabilities & Equity | 680.09B | 591.93B | 535.31B | 476.55B | 470.72B | 441.03B |
| Total Debt | 42.56B | 36.61B | 26.31B | 35.55B | 60.71B | 56.90B |
| Net Cash (Debt) | -22.69B | -27.62B | -7.79B | -9.08B | -14.45B | -7.94B |
| Net Cash Per Share | -16.52 | -19.85 | -5.60 | -6.52 | -10.39 | -5.70 |
| Filing Date Shares Outstanding | 1.41B | 1.39B | 1.39B | 1.39B | 1.39B | 1.39B |
| Total Common Shares Outstanding | 1.41B | 1.39B | 1.39B | 1.39B | 1.39B | 1.39B |
| Book Value Per Share | 28.03 | 25.27 | 22.86 | 21.13 | 20.46 | 19.55 |
| Tangible Book Value | 39.61B | 35.15B | 31.78B | 29.38B | 28.44B | 27.18B |
| Tangible Book Value Per Share | 28.03 | 25.26 | 22.84 | 21.11 | 20.44 | 19.53 |
Cash flow statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 5.65B | 4.44B | 2.87B | 2.48B | 3.05B | 2.73B |
| Depreciation & Amortization | 1.03B | 1.01B | 1.01B | 1.03B | 979.55M | 888.41M |
| Gain (Loss) on Sale of Assets | -15.80K | |||||
| Gain (Loss) on Sale of Investments | 640.10M | 506.10M | 580.00M | 90.00M | 51.21M | |
| Total Asset Writedown | 181.00M | 171.00M | 140.00M | 50.00M | 250.00M | 150.00M |
| Provision for Credit Losses | 8.91B | 13.48B | 10.02B | 6.55B | 4.29B | 4.34B |
| Change in Other Net Operating Assets | -7.61B | -2.79B | -12.14B | -40.55B | -12.59B | -6.31B |
| Other Operating Activities | -3.29B | -3.11B | 1.34B | -314.08M | 703.18M | 969.01M |
| Operating Cash Flow | 5.50B | 13.70B | 3.82B | -30.67B | -3.31B | 2.82B |
| Capital Expenditures | -325.43M | -238.81M | -180.77M | -435.02M | -306.93M | -474.43M |
| Investment in Securities | -79.09B | -43.38B | -62.13B | -11.96B | -25.89B | 16.96B |
| Investing Cash Flow | -79.42B | -43.62B | -62.31B | -12.40B | -26.19B | 16.48B |
| Long-Term Debt Repaid | -2.05B | -839.09M | -2.49B | -3.01B | -2.02B | |
| Lease Payments | -497.70M | -486.03M | -470.48M | -487.85M | -410.57M | -419.54M |
| Net Debt Issued (Repaid) | -2.07B | -2.05B | -839.09M | -2.49B | -3.01B | -2.02B |
| Issuance of Common Stock | 2.00B | 2.00B | 2.00B | 340.25M | 3.34B | |
| Common Dividends Paid | -2.09B | -2.17B | -3.75B | -2.14B | -1.77B | -1.17B |
| Net Increase (Decrease) in Deposit Accounts | 86.93B | 39.83B | 55.01B | 24.03B | 19.43B | 14.93B |
| Financing Cash Flow | 84.77B | 37.61B | 52.42B | 19.74B | 17.98B | 11.75B |
| Net Cash Flow | 10.85B | 7.69B | -6.07B | -23.32B | -11.52B | 31.05B |
| Free Cash Flow | 5.17B | 13.46B | 3.64B | -31.10B | -3.62B | 2.35B |
| Free Cash Flow Margin | 27.72% | 82.37% | 21.60% | -209.81% | -22.08% | 18.21% |
| Free Cash Flow Per Share | 3.77 | 9.67 | 2.62 | -22.35 | -2.60 | 1.69 |
| Free Cash Flow After Leases | 4.68B | 12.97B | 3.17B | -31.59B | -4.03B | 1.93B |
| Cash Interest Paid | 30.01B | 30.01B | 24.83B | 17.68B | 15.66B | 13.64B |
| Cash Income Tax Paid | 4.01B | 4.01B | 2.35B | 2.86B | 2.57B | 1.31B |
Ratios
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 23.66B | 23.34B | 19.82B | 23.55B | 23.55B | 25.42B |
| Last Close Price | 17.00 | 16.02 | 12.84 | 14.07 | 13.03 | 13.04 |
| PE Ratio | 4.13 | 5.26 | 6.91 | 9.50 | 7.72 | 9.32 |
| PS Ratio | 1.27 | 1.43 | 1.18 | 1.59 | 1.44 | 1.97 |
| PB Ratio | 0.60 | 0.66 | 0.62 | 0.80 | 0.83 | 0.93 |
| P/FCF Ratio | 4.57 | 1.73 | 5.44 | 10.82 | ||
| P/OCF Ratio | 4.30 | 1.70 | 5.18 | 9.00 | ||
| Debt / Equity Ratio | 1.07 | 1.04 | 0.83 | 1.21 | 2.13 | 2.09 |
| Debt / FCF Ratio | 8.23 | 2.72 | 7.22 | 24.23 | ||
| Net Debt / Equity Ratio | 0.57 | 0.79 | 0.24 | 0.31 | 0.51 | 0.29 |
| Net Debt / FCF Ratio | 4.38 | 2.05 | 2.14 | -0.29 | -3.99 | 3.38 |
| Return on Equity (ROE) | 14.64% | 13.26% | 9.37% | 8.57% | 10.97% | 10.03% |
| Return on Assets (ROA) | 0.89% | 0.79% | 0.57% | 0.52% | 0.67% | 0.64% |
| Earnings Yield | 24.21% | 19.02% | 14.47% | 10.53% | 12.96% | 10.73% |
| FCF Yield | 21.87% | 57.66% | 18.37% | -132.06% | -15.37% | 9.24% |
| Dividend Yield | 4.61% | 4.67% | 5.88% | 7.43% | 7.43% | 6.88% |
| Payout Ratio | 37.00% | 48.77% | 130.72% | 86.28% | 58.12% | 42.73% |
| Total Shareholder Return | 4.12% | 4.67% | 5.88% | 7.43% | 7.43% | 6.88% |