DSE : CITYBANK
City Bank PLC. — Financial statements
Commercial Banks · Bangladesh
Last price 29.8 BDT (At close: Oct 29, 2026) · Market cap 52.13B
Latest research: City Bank valuation report: fair value BDT 6.9–39.3 (Oct 2026) · City Bank: bond income lifts ROE to 24%, fair value BDT 7–39
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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 | 56.25B | 54.84B | 45.24B | 34.06B | 25.83B | 21.05B |
| Interest Paid on Deposits | 53.02B | 51.93B | 30.30B | 17.99B | 13.23B | 8.73B |
| Net Interest Income | 3.24B | 2.91B | 14.94B | 16.08B | 12.61B | 12.33B |
| Gain (Loss) on Sale of Assets | -38.42M | -38.42M | -198.39M | 7.95M | 10.43K | |
| Gain (Loss) on Sale of Investments | 1.21B | 231.10M | -1.48B | -132.43M | -47.28M | -33.33M |
| Other Non-Interest Income | 49.54B | 45.97B | 25.89B | 12.47B | 13.05B | 10.68B |
| Total Non-Interest Income | 50.71B | 46.17B | 24.21B | 12.34B | 13.00B | 10.65B |
| Revenues Before Loan Losses | 53.94B | 49.07B | 39.15B | 28.42B | 25.61B | 22.97B |
| Provision for Loan Losses | 6.38B | 7.67B | 4.68B | 2.56B | 2.94B | 1.76B |
| Revenue | 47.56B | 41.41B | 34.47B | 25.85B | 22.67B | 21.22B |
| Salaries and Employee Benefits | 13.53B | 12.37B | 9.20B | 8.08B | 7.23B | 6.33B |
| Occupancy Expenses | 3.62B | 3.09B | 2.75B | 3.19B | 2.82B | 2.53B |
| Selling, General & Administrative | 2.73B | 2.62B | 2.16B | 1.04B | 963.78M | 651.17M |
| Other Non-Interest Expense | 5.19B | 4.21B | 3.13B | 2.47B | 2.27B | 2.16B |
| Total Non-Interest Expense | 25.07B | 22.29B | 17.24B | 14.77B | 13.29B | 11.67B |
| EBT Excluding Unusual Items | 22.50B | 19.12B | 17.23B | 11.09B | 9.38B | 9.54B |
| Pretax Income | 22.50B | 19.12B | 17.23B | 11.09B | 9.38B | 9.54B |
| Income Tax Expense | 7.00B | 5.88B | 7.09B | 4.70B | 4.60B | 4.05B |
| Earnings From Continuing Operations | 15.50B | 13.24B | 10.14B | 6.38B | 4.78B | 5.49B |
| Minority Interest in Earnings | -689.50K | -2.31K | 13.61K | -4.05K | -6.09K | -32.98K |
| Net Income | 15.50B | 13.24B | 10.14B | 6.38B | 4.78B | 5.49B |
| Net Income to Common | 15.50B | 13.24B | 10.14B | 6.38B | 4.78B | 5.49B |
| Basic Shares Outstanding | 1.75B | 1.75B | 1.75B | 1.74B | 1.74B | 1.74B |
| Diluted Shares Outstanding | 1.75B | 1.75B | 1.75B | 1.74B | 1.74B | 1.74B |
| EPS (Basic) | 8.86 | 7.57 | 5.80 | 3.66 | 2.74 | 3.15 |
| EPS (Diluted) | 8.86 | 7.57 | 5.80 | 3.66 | 2.74 | 3.15 |
| Dividend Per Share | 1.30 | 1.30 | 0.97 | 1.05 | 0.69 | 0.77 |
| Effective Tax Rate | 31.11% | 30.73% | 41.12% | 42.41% | 49.02% | 42.43% |
Balance sheet
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 184.56B | 179.79B | 105.84B | 33.80B | 34.17B | 27.15B |
| Investment Securities | 156.27B | 103.90B | 84.56B | 76.82B | 13.39B | 12.50B |
| Total Investments | 156.27B | 103.90B | 84.56B | 76.82B | 13.39B | 12.50B |
| Gross Loans | 548.52B | 512.54B | 450.70B | 400.92B | 357.96B | 289.04B |
| Net Loans | 548.52B | 512.54B | 450.70B | 400.92B | 357.96B | 289.04B |
| Property, Plant & Equipment | 18.11B | 13.66B | 11.75B | 11.06B | 10.42B | 6.93B |
| Goodwill | 51.69M | 46.01M | 40.84M | 40.06M | 35.19M | |
| Other Intangible Assets | 290.66M | 266.46M | 199.76M | 788.92M | 736.51M | |
| Accrued Interest Receivable | 10.31B | 9.20B | 4.05B | 3.38B | 2.35B | |
| Other Receivables | 354.78M | 575.39M | 797.23M | 680.22M | 458.13M | |
| Restricted Cash | 30.36B | 11.28B | 32.31B | 25.87B | 38.52B | 40.60B |
| Other Current Assets | 10.33B | 8.00B | 6.63B | 3.17B | 4.97B | |
| Long-Term Deferred Tax Assets | 34.63M | 746.04M | 1.23B | 1.10B | 1.13B | |
| Other Real Estate Owned & Foreclosed | 435.61M | 449.75M | 576.12M | 634.55M | 662.55M | 783.76M |
| Other Long-Term Assets | 48.82B | 4.22B | 6.71B | 2.89B | 50.62B | 38.22B |
| Total Assets | 987.06B | 847.20B | 711.29B | 564.93B | 514.91B | 424.91B |
| Accrued Expenses | 10.22B | 8.21B | 5.01B | 356.60K | 1.48M | |
| Interest Bearing Deposits | 556.57B | 478.34B | 382.23B | 281.41B | 241.89B | 224.55B |
| Non-Interest Bearing Deposits | 164.72B | 145.00B | 130.33B | 107.21B | 87.42B | 54.98B |
| Total Deposits | 721.29B | 623.34B | 512.56B | 388.63B | 329.30B | 279.52B |
| Short-Term Borrowings | 2.63B | 1.86B | 2.51B | 849.31M | 6.60B | |
| Current Portion of Long-Term Debt | 58.05B | 44.89B | 49.05B | 78.57B | 43.93B | |
| Current Income Taxes Payable | 18.46B | 13.80B | 11.35B | |||
| Accrued Interest Payable | 13.64B | 12.63B | 7.14B | |||
| Other Current Liabilities | 8.65B | 8.36B | 2.18B | 4.06B | 2.58B | 2.68B |
| Long-Term Debt | 105.88B | 17.85B | 24.64B | 22.77B | 20.19B | 17.08B |
| Long-Term Leases | 4.59B | 4.30B | 3.91B | 4.49M | ||
| Long-Term Deferred Tax Liabilities | 168.16M | 29.51M | 29.76M | 156.69K | 211.16K | |
| Other Long-Term Liabilities | 85.38B | 27.96B | 39.54B | 32.00B | 49.54B | 42.35B |
| Total Liabilities | 921.21B | 785.26B | 664.66B | 526.45B | 481.04B | 392.18B |
| Common Stock | 17.49B | 15.21B | 13.47B | 12.25B | 12.01B | 10.67B |
| Additional Paid-In Capital | 1.52B | 1.52B | 1.50B | 1.50B | 1.50B | 1.50B |
| Retained Earnings | 39.33B | 38.90B | 29.99B | 23.63B | 19.21B | 17.95B |
| Comprehensive Income & Other | 7.44B | 6.24B | 1.67B | 1.09B | 1.15B | 2.61B |
| Total Common Equity | 65.78B | 61.87B | 46.63B | 38.48B | 33.87B | 32.74B |
| Minority Interest | 75.83M | 75.15M | 143.28K | 156.89K | 152.84K | 146.76K |
| Shareholders' Equity | 65.85B | 61.95B | 46.63B | 38.48B | 33.87B | 32.74B |
| Total Liabilities & Equity | 987.06B | 847.20B | 711.29B | 564.93B | 514.91B | 424.91B |
| Total Debt | 105.88B | 83.12B | 75.69B | 78.23B | 99.61B | 67.62B |
| Net Cash (Debt) | 78.68B | 96.68B | 30.15B | -44.43B | -65.45B | -40.47B |
| Net Cash Per Share | 44.98 | 55.26 | 17.24 | -25.50 | -37.55 | -23.22 |
| Filing Date Shares Outstanding | 1.75B | 1.75B | 1.74B | 1.74B | 1.74B | 1.74B |
| Total Common Shares Outstanding | 1.75B | 1.75B | 1.74B | 1.74B | 1.74B | 1.74B |
| Book Value Per Share | 37.60 | 35.37 | 26.76 | 22.08 | 19.44 | 18.78 |
| Tangible Book Value | 65.78B | 61.53B | 46.32B | 38.23B | 33.05B | 31.97B |
| Tangible Book Value Per Share | 37.60 | 35.17 | 26.58 | 21.94 | 18.96 | 18.34 |
Cash flow statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 15.50B | 13.24B | 10.14B | 6.38B | 4.78B | 5.49B |
| Depreciation & Amortization | 2.64B | 2.17B | 1.97B | 1.85B | 1.29B | 1.25B |
| Other Amortization | 135.07M | 135.07M | 89.82M | 88.42M | 73.58M | 53.06M |
| Change in Other Net Operating Assets | -55.37B | -72.81B | -50.52B | -46.82B | -68.92B | -19.09B |
| Other Operating Activities | -324.35M | 3.44B | 7.27B | 4.40B | -377.05M | 2.56B |
| Operating Cash Flow | -37.43B | -53.82B | -31.04B | -34.10B | -63.15B | -9.74B |
| Capital Expenditures | -5.40B | -2.66B | -1.20B | -1.36B | -1.42B | -1.10B |
| Investment in Securities | -90.65B | -14.76B | -7.49B | -12.28B | -13.87B | -7.50B |
| Investing Cash Flow | -96.05B | -17.41B | -8.68B | -13.64B | -15.29B | -8.60B |
| Long-Term Debt Issued | 4.54B | 1.60B | ||||
| Long-Term Debt Repaid | -840.00M | -1.72B | -2.59B | -1.51B | ||
| Net Debt Issued (Repaid) | 8.61B | -840.00M | -1.72B | -2.59B | 4.54B | 90.00M |
| Issuance of Common Stock | 31.09M | |||||
| Common Dividends Paid | -4.39B | -2.10B | -2.25B | -1.61B | -1.64B | -1.80B |
| Net Increase (Decrease) in Deposit Accounts | 161.85B | 125.32B | 120.55B | 38.01B | 77.14B | 23.91B |
| Other Financing Activities | -300.19M | |||||
| Financing Cash Flow | 166.07B | 122.41B | 116.58B | 33.81B | 80.03B | 21.90B |
| Foreign Exchange Rate Adjustments | 2.30B | 1.75B | 1.64B | 897.15M | 3.35B | 1.46B |
| Net Cash Flow | 34.88B | 52.92B | 78.49B | -13.03B | 4.94B | 5.03B |
| Free Cash Flow | -42.83B | -56.48B | -32.24B | -35.46B | -64.57B | -10.84B |
| Free Cash Flow Margin | -90.05% | -136.40% | -93.53% | -137.15% | -284.83% | -51.09% |
| Free Cash Flow Per Share | -24.48 | -32.28 | -18.43 | -20.34 | -37.05 | -6.22 |
| Cash Interest Paid | 52.56B | 50.92B | 24.82B | 16.73B | 12.82B | 9.48B |
| Cash Income Tax Paid | 7.74B | 8.70B | 5.21B | 4.13B | 4.11B | 2.19B |
Ratios
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 51.78B | 37.12B | 30.17B | 26.21B | 26.17B | 29.13B |
| Last Close Price | 29.60 | 20.25 | 15.56 | 12.63 | 12.04 | 12.80 |
| PE Ratio | 3.34 | 2.80 | 2.98 | 4.11 | 5.47 | 5.30 |
| PS Ratio | 1.09 | 0.90 | 0.88 | 1.01 | 1.16 | 1.37 |
| PB Ratio | 0.79 | 0.60 | 0.65 | 0.68 | 0.77 | 0.89 |
| Debt / Equity Ratio | 1.61 | 1.34 | 1.62 | 2.03 | 2.94 | 2.07 |
| Net Debt / Equity Ratio | -1.20 | -1.56 | -0.65 | 1.16 | 1.93 | 1.24 |
| Net Debt / FCF Ratio | 1.84 | 1.71 | 0.94 | -1.25 | -1.01 | -3.73 |
| Return on Equity (ROE) | 27.19% | 24.39% | 23.84% | 17.65% | 14.36% | 17.65% |
| Return on Assets (ROA) | 1.75% | 1.70% | 1.59% | 1.18% | 1.02% | 1.35% |
| Earnings Yield | 29.93% | 35.68% | 33.62% | 24.36% | 18.27% | 18.86% |
| FCF Yield | -82.71% | -152.16% | -106.84% | -135.29% | -246.70% | -37.20% |
| Dividend Yield | 4.41% | 6.15% | 5.58% | 7.01% | 4.59% | 4.58% |
| Payout Ratio | 28.36% | 15.86% | 22.22% | 25.25% | 34.37% | 32.68% |
| Buyback Yield / Dilution | -0.38% | 0.00% | 0.00% | |||
| Total Shareholder Return | 4.41% | 6.15% | 5.20% | 7.01% | 4.59% | 4.58% |