DSE : DHAKABANK
Dhaka Bank PLC. — Financial statements
Commercial Banks · Bangladesh
Last price 11 BDT (At close: Oct 29, 2026) · Market cap 11.63B
Latest research: Dhaka Bank financial analysis: NPL 3.8%, deferral cleared, NII down 45% and 47% short of Tk2,000 crore paid-up (Oct 2026) · Dhaka Bank: NPL down to 3.8% and the 2024 deferral cleared, but net interest income fell 45% in H1 2026 and paid-up capital is 47% short of Tk2,000 crore
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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 | 30.36B | 31.18B | 27.73B | 21.09B | 16.16B | 14.86B |
| Interest Paid on Deposits | 25.33B | 25.15B | 20.59B | 14.43B | 12.79B | 10.40B |
| Net Interest Income | 5.04B | 6.03B | 7.14B | 6.66B | 3.37B | 4.46B |
| Gain (Loss) on Sale of Assets | 1.24M | 3.94M | 677.30K | 618.18K | ||
| Gain (Loss) on Sale of Investments | 2.17B | 2.11B | 2.25B | 1.00B | 675.13M | 562.98M |
| Other Non-Interest Income | 13.00B | 11.76B | 8.82B | 6.91B | 9.57B | 6.83B |
| Total Non-Interest Income | 15.17B | 13.88B | 11.06B | 7.91B | 10.25B | 7.39B |
| Revenues Before Loan Losses | 20.20B | 19.91B | 18.20B | 14.57B | 13.62B | 11.85B |
| Provision for Loan Losses | 5.32B | 5.56B | 6.99B | 3.83B | 3.19B | 2.12B |
| Revenue | 14.88B | 14.35B | 11.21B | 10.74B | 10.42B | 9.73B |
| Salaries and Employee Benefits | 4.50B | 4.35B | 4.04B | 3.31B | 3.27B | 2.53B |
| Occupancy Expenses | 1.46B | 1.40B | 1.35B | 1.51B | 1.38B | 1.21B |
| Selling, General & Administrative | 1.34B | 1.23B | 1.04B | 638.62M | 514.18M | 427.78M |
| Other Non-Interest Expense | 1.09B | 1.11B | 1.33B | 1.21B | 1.33B | 1.33B |
| Total Non-Interest Expense | 8.39B | 8.09B | 7.76B | 6.68B | 6.49B | 5.50B |
| EBT Excluding Unusual Items | 6.49B | 6.26B | 3.45B | 4.06B | 3.93B | 4.23B |
| Asset Writedown | -20.64M | |||||
| Pretax Income | 6.49B | 6.26B | 3.43B | 4.06B | 3.93B | 4.23B |
| Income Tax Expense | 3.84B | 3.46B | 2.15B | 2.39B | 2.26B | 2.10B |
| Earnings From Continuing Operations | 2.65B | 2.80B | 1.28B | 1.67B | 1.67B | 2.14B |
| Minority Interest in Earnings | -12.80K | -11.05K | -3.04K | 5.98K | -1.31K | -8.07K |
| Net Income | 2.65B | 2.80B | 1.28B | 1.67B | 1.67B | 2.14B |
| Preferred Dividends & Other Adjustments | -59.83M | |||||
| Net Income to Common | 2.65B | 2.80B | 1.28B | 1.73B | 1.67B | 2.14B |
| Basic Shares Outstanding | 1.06B | 1.06B | 1.06B | 1.06B | 1.06B | 1.06B |
| Diluted Shares Outstanding | 1.06B | 1.06B | 1.06B | 1.06B | 1.06B | 1.06B |
| EPS (Basic) | 2.51 | 2.65 | 1.21 | 1.64 | 1.58 | 2.02 |
| EPS (Diluted) | 2.51 | 2.65 | 1.21 | 1.64 | 1.58 | 2.02 |
| Dividend Per Share | 1.00 | 1.00 | 0.50 | 0.95 | 0.54 | 1.08 |
| Effective Tax Rate | 59.20% | 55.29% | 62.64% | 58.85% | 57.46% | 49.53% |
Balance sheet
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 14.37B | 23.28B | 23.29B | 39.44B | 24.16B | 36.69B |
| Investment Securities | 116.93B | 23.19B | 36.16B | 11.60B | 12.64B | 13.76B |
| Total Investments | 116.93B | 23.19B | 36.16B | 11.60B | 12.64B | 13.76B |
| Gross Loans | 283.79B | 278.29B | 271.89B | 256.45B | 240.00B | 215.15B |
| Other Adjustments to Gross Loans | -1.29B | -1.38B | -1.18B | -1.16B | -546.74M | |
| Net Loans | 283.79B | 277.00B | 270.50B | 255.27B | 238.84B | 214.61B |
| Property, Plant & Equipment | 9.30B | 8.20B | 8.50B | 8.64B | 8.57B | 8.48B |
| Other Intangible Assets | 1.01M | 430.06M | 493.45M | |||
| Accrued Interest Receivable | 2.55B | 2.51B | 1.46B | 831.16M | 838.41M | 1.05B |
| Other Receivables | 1.89B | 676.53M | 491.00M | 444.43M | 444.31M | 361.00M |
| Restricted Cash | 15.60B | 3.84B | 4.58B | 2.96B | 4.40B | 11.26B |
| Other Current Assets | 9.81B | 7.36B | 18.45B | 16.52B | 12.35B | 10.09B |
| Long-Term Deferred Tax Assets | 1.11B | 838.73M | 872.51M | 570.69M | 560.75M | 475.08M |
| Other Real Estate Owned & Foreclosed | 30.68M | 30.68M | 36.68M | 33.35M | ||
| Other Long-Term Assets | 580.71M | 98.84B | 68.19B | 43.16B | 44.27B | 39.10B |
| Total Assets | 456.36B | 446.11B | 432.84B | 379.69B | 347.69B | 336.57B |
| Accrued Expenses | -107.82M | -299.50M | 714.91M | 861.84M | 870.92M | 320.87M |
| Interest Bearing Deposits | 269.71B | 285.66B | 254.80B | 233.86B | 196.43B | 193.56B |
| Non-Interest Bearing Deposits | 53.26B | 50.76B | 42.50B | 44.59B | 44.15B | 34.17B |
| Total Deposits | 322.98B | 336.41B | 297.30B | 278.46B | 240.58B | 227.74B |
| Short-Term Borrowings | 7.49M | 7.49M | 7.65M | 183.53M | 166.56M | 126.87M |
| Current Portion of Long-Term Debt | 23.05B | 26.09B | 20.14B | 30.23B | ||
| Current Income Taxes Payable | 9.78B | 8.15B | 18.14B | 15.64B | 13.24B | 10.92B |
| Accrued Interest Payable | 382.19M | 667.53M | 1.02B | 379.23M | 363.08M | 265.54M |
| Other Current Liabilities | 11.19B | 6.52B | 6.25B | 8.41B | 4.03B | 2.91B |
| Long-Term Debt | 56.09B | 16.09B | 29.17B | 7.23B | 10.01B | 49.79B |
| Long-Term Leases | 1.93B | 1.09B | 1.32B | 1.30B | 1.39B | 1.19B |
| Pension & Post-Retirement Benefits | 254.01M | 554.77M | 142.23M | 307.32M | 100.04M | |
| Other Long-Term Liabilities | 29.32B | 29.19B | 29.58B | 24.53B | 25.00B | 22.25B |
| Total Liabilities | 431.57B | 421.12B | 410.15B | 357.28B | 326.18B | 315.60B |
| Common Stock | 10.57B | 10.57B | 10.07B | 10.07B | 9.50B | 9.50B |
| Retained Earnings | 13.72B | 13.88B | 12.31B | 12.28B | 11.91B | 11.39B |
| Comprehensive Income & Other | 499.91M | 535.97M | 308.26M | 59.69M | 102.06M | 74.90M |
| Total Common Equity | 24.79B | 24.99B | 22.69B | 22.41B | 21.51B | 20.97B |
| Minority Interest | 87.89K | 80.90K | 69.85K | 66.81K | 72.80K | 71.48K |
| Shareholders' Equity | 24.79B | 24.99B | 22.69B | 22.41B | 21.51B | 20.97B |
| Total Liabilities & Equity | 456.36B | 446.11B | 432.84B | 379.69B | 347.69B | 336.57B |
| Total Debt | 58.03B | 40.23B | 56.59B | 28.86B | 41.80B | 51.11B |
| Net Cash (Debt) | -43.66B | -16.95B | -33.30B | 10.58B | -17.64B | -14.42B |
| Net Cash Per Share | -41.31 | -16.04 | -31.51 | 10.01 | -16.69 | -13.64 |
| Filing Date Shares Outstanding | 1.06B | 1.06B | 1.06B | 1.06B | 1.06B | 1.06B |
| Total Common Shares Outstanding | 1.06B | 1.06B | 1.06B | 1.06B | 1.06B | 1.06B |
| Book Value Per Share | 23.46 | 23.64 | 21.47 | 21.20 | 20.35 | 19.84 |
| Tangible Book Value | 24.79B | 24.99B | 22.69B | 22.41B | 21.08B | 20.47B |
| Tangible Book Value Per Share | 23.46 | 23.64 | 21.47 | 21.20 | 19.94 | 19.37 |
Cash flow statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 2.65B | 2.80B | 1.28B | 1.67B | 1.67B | 2.14B |
| Depreciation & Amortization | 825.98M | 796.23M | 767.98M | 785.78M | 822.82M | 696.42M |
| Other Amortization | 80.26M | 79.20M | 77.27M | 75.90M | 77.37M | 85.68M |
| Change in Trading Asset Securities | -2.02B | -8.25B | -23.39B | 4.20B | -3.02B | -6.24B |
| Change in Other Net Operating Assets | -30.21B | -14.36B | -18.12B | -19.18B | -23.57B | -17.36B |
| Other Operating Activities | 1.97B | 2.34B | 3.26B | 1.79B | -526.60M | 948.41M |
| Operating Cash Flow | -26.70B | -16.60B | -36.13B | -10.65B | -24.54B | -19.73B |
| Capital Expenditures | -448.03M | -367.46M | -275.48M | -206.31M | -281.66M | -263.17M |
| Sale of Property, Plant and Equipment | 16.52M | 17.69M | 21.56M | 719.89K | 704.55K | 1.27M |
| Investment in Securities | -1.69B | -7.32B | -23.76B | -896.76M | -688.37M | -3.26B |
| Investing Cash Flow | -2.12B | -7.67B | -24.02B | -1.10B | -969.32M | -3.53B |
| Long-Term Debt Issued | 996.00M | 27.79B | 580.00M | 1.42B | 11.53B | |
| Long-Term Debt Repaid | -17.12B | -13.51B | -10.81B | -1.60B | ||
| Net Debt Issued (Repaid) | 7.23B | -16.13B | 27.79B | -12.93B | -9.39B | 9.93B |
| Common Dividends Paid | -1.56B | -503.30M | -1.01B | -569.77M | -1.14B | -537.52M |
| Net Increase (Decrease) in Deposit Accounts | 13.78B | 39.10B | 17.49B | 38.65B | 13.03B | 24.77B |
| Other Financing Activities | -200.00M | -200.00M | -228.50M | -142.50M | ||
| Financing Cash Flow | 19.24B | 22.27B | 44.04B | 25.01B | 2.51B | 34.16B |
| Foreign Exchange Rate Adjustments | 899.80M | 1.25B | 1.58B | 705.13M | 3.60B | 794.33M |
| Net Cash Flow | -8.68B | -753.48M | -14.53B | 13.96B | -19.41B | 11.70B |
| Free Cash Flow | -27.15B | -16.97B | -36.41B | -10.86B | -24.82B | -19.99B |
| Free Cash Flow Margin | -182.42% | -118.27% | -324.75% | -101.09% | -238.12% | -205.46% |
| Free Cash Flow Per Share | -25.69 | -16.05 | -34.45 | -10.28 | -23.49 | -18.91 |
| Cash Interest Paid | 26.24B | 25.71B | 20.18B | 14.93B | 12.69B | 10.45B |
| Cash Income Tax Paid | 2.66B | 1.80B | 2.07B | 2.81B | 2.18B | 1.71B |
Ratios
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 11.63B | 11.94B | 10.97B | 12.58B | 12.54B | 13.29B |
| Last Close Price | 11.00 | 10.36 | 9.07 | 9.46 | 9.00 | 8.73 |
| PE Ratio | 4.39 | 4.27 | 8.56 | 7.27 | 7.49 | 6.22 |
| PS Ratio | 0.78 | 0.83 | 0.98 | 1.17 | 1.20 | 1.37 |
| PB Ratio | 0.47 | 0.48 | 0.48 | 0.56 | 0.58 | 0.63 |
| Debt / Equity Ratio | 2.34 | 1.61 | 2.49 | 1.29 | 1.94 | 2.44 |
| Net Debt / Equity Ratio | 1.76 | 0.68 | 1.47 | -0.47 | 0.82 | 0.69 |
| Net Debt / FCF Ratio | -1.61 | -1.00 | -0.92 | 0.97 | -0.71 | -0.72 |
| Return on Equity (ROE) | 10.92% | 11.74% | 5.68% | 7.61% | 7.88% | 10.58% |
| Return on Assets (ROA) | 0.58% | 0.64% | 0.32% | 0.46% | 0.49% | 0.68% |
| Earnings Yield | 22.79% | 23.43% | 11.68% | 13.29% | 13.35% | 16.07% |
| FCF Yield | -233.54% | -142.07% | -331.81% | -86.31% | -198.03% | -150.36% |
| Dividend Yield | 9.09% | 8.85% | 4.82% | 8.00% | 4.55% | 8.57% |
| Payout Ratio | 58.89% | 17.99% | 78.56% | 34.08% | 68.12% | 25.16% |
| Buyback Yield / Dilution | 0.00% | |||||
| Total Shareholder Return | 9.09% | 8.85% | 4.82% | 8.00% | 4.55% | 8.57% |