DSE : DUTCHBANGL
Dutch-Bangla Bank PLC. — Financial statements
Commercial Banks · Bangladesh
Last price 46.6 BDT (At close: Oct 29, 2026) · Market cap 47.30B
Latest research: Dutch-Bangla Bank valuation report: fair value BDT 11.1–105 (Oct 2026) · 2.6% deposit cost earns a 17% ROE, but Tk1,015 crore paid-up capital bars 2026 cash dividends
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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 | 40.29B | 41.13B | 42.14B | 30.96B | 24.64B | 22.22B |
| Interest Paid on Deposits | 22.85B | 21.26B | 12.88B | 8.69B | 7.74B | 6.70B |
| Net Interest Income | 17.44B | 19.87B | 29.26B | 22.26B | 16.90B | 15.52B |
| Gain (Loss) on Sale of Assets | 28.44M | 28.16M | 14.78M | 1.17M | 38.83M | |
| Gain (Loss) on Sale of Investments | 982.34M | 3.84B | 817.54M | 598.52M | 846.48M | 2.19B |
| Other Non-Interest Income | 35.59B | 28.23B | 16.90B | 13.02B | 14.20B | 10.45B |
| Total Non-Interest Income | 36.60B | 32.10B | 17.73B | 13.62B | 15.05B | 12.68B |
| Revenues Before Loan Losses | 54.04B | 51.97B | 46.99B | 35.88B | 31.95B | 28.20B |
| Provision for Loan Losses | 3.16B | 9.45B | 17.60B | 3.95B | 2.76B | 3.21B |
| Revenue | 50.88B | 42.52B | 29.39B | 31.93B | 29.19B | 24.99B |
| Salaries and Employee Benefits | 10.13B | 9.16B | 8.58B | 7.13B | 6.61B | 5.67B |
| Occupancy Expenses | 3.80B | 3.77B | 3.50B | 3.20B | 2.91B | 2.63B |
| Selling, General & Administrative | 5.48B | 5.37B | 4.92B | 3.63B | 3.56B | 3.28B |
| Other Non-Interest Expense | 7.86B | 8.31B | 8.96B | 6.95B | 7.01B | 5.27B |
| Total Non-Interest Expense | 27.27B | 26.61B | 25.96B | 20.91B | 20.09B | 16.86B |
| EBT Excluding Unusual Items | 23.61B | 15.91B | 3.43B | 11.02B | 9.10B | 8.13B |
| Other Unusual Items | 1.94B | 433.92M | -236.66M | |||
| Pretax Income | 23.61B | 15.91B | 5.37B | 11.45B | 8.87B | 8.13B |
| Income Tax Expense | 10.59B | 6.26B | 634.71M | 3.43B | 3.20B | 2.57B |
| Net Income | 13.01B | 9.65B | 4.73B | 8.02B | 5.66B | 5.56B |
| Net Income to Common | 13.01B | 9.65B | 4.73B | 8.02B | 5.66B | 5.56B |
| Basic Shares Outstanding | 1.02B | 1.02B | 1.02B | 1.02B | 1.02B | 1.02B |
| Diluted Shares Outstanding | 1.02B | 1.02B | 1.02B | 1.02B | 1.02B | 1.02B |
| EPS (Basic) | 12.82 | 9.50 | 4.66 | 7.90 | 5.58 | 5.48 |
| EPS (Diluted) | 12.82 | 9.50 | 4.66 | 7.90 | 5.58 | 5.48 |
| Dividend Per Share | 2.38 | 2.38 | 0.87 | 1.29 | 1.20 | 1.09 |
| Effective Tax Rate | 44.87% | 39.37% | 11.82% | 29.98% | 36.15% | 31.62% |
Balance sheet
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 50.90B | 40.07B | 54.01B | 40.86B | 40.54B | 32.84B |
| Investment Securities | 109.01B | 111.08B | 95.43B | 83.59B | 77.64B | 72.48B |
| Trading Asset Securities | 209.69B | 142.72B | 32.87B | 5.61B | 24.03B | 44.20B |
| Total Investments | 318.70B | 253.80B | 128.30B | 89.20B | 101.67B | 116.67B |
| Gross Loans | 496.14B | 501.03B | 461.64B | 435.31B | 383.95B | 335.72B |
| Allowance for Loan Losses | -38.59B | -34.27B | -25.17B | -16.25B | -14.03B | -10.96B |
| Other Adjustments to Gross Loans | -20.25B | -16.25B | -7.78B | -6.98B | -5.93B | -5.31B |
| Net Loans | 437.29B | 450.50B | 428.69B | 412.07B | 364.00B | 319.45B |
| Property, Plant & Equipment | 11.94B | 12.00B | 13.16B | 10.58B | 9.26B | 7.69B |
| Other Intangible Assets | 363.81M | 192.95M | 222.62M | 149.91M | 120.02M | |
| Accrued Interest Receivable | 5.55B | 4.60B | 2.95B | 2.08B | 1.67B | 1.91B |
| Other Receivables | 110.00M | |||||
| Restricted Cash | 26.50B | 24.61B | 21.15B | 18.49B | 17.83B | 16.25B |
| Other Current Assets | 15.68B | 9.53B | 7.57B | 2.92B | 5.11B | 10.15B |
| Long-Term Deferred Tax Assets | 13.29B | 12.25B | 9.56B | 5.72B | 4.14B | 2.92B |
| Other Long-Term Assets | 17.81B | 6.87B | 9.37B | 10.74B | 10.55B | 5.88B |
| Total Assets | 900.56B | 817.80B | 679.88B | 593.88B | 555.47B | 514.40B |
| Accrued Expenses | 9.69B | 6.93B | 1.86B | 601.60M | 617.41M | 624.84M |
| Interest Bearing Deposits | 439.11B | 393.31B | 325.58B | 334.43B | 312.09B | 296.78B |
| Non-Interest Bearing Deposits | 247.16B | 222.95B | 191.38B | 117.02B | 109.76B | 92.63B |
| Total Deposits | 686.27B | 616.26B | 516.96B | 451.45B | 421.86B | 389.41B |
| Current Portion of Long-Term Debt | 33.18B | 39.30B | 17.94B | 23.75B | 24.29B | |
| Current Income Taxes Payable | 19.69B | 14.87B | 10.92B | 6.47B | 8.30B | 12.83B |
| Accrued Interest Payable | 710.18M | 725.59M | 118.72M | 111.70M | 767.47M | 685.59M |
| Other Current Liabilities | 10.10B | 5.80B | 4.95B | 21.30B | 15.61B | 11.51B |
| Long-Term Debt | 39.44B | 18.79B | 10.05B | 17.29B | 14.53B | 16.69B |
| Long-Term Leases | 2.69B | 2.95B | 3.43B | 3.82B | 3.17B | 2.02B |
| Pension & Post-Retirement Benefits | 600.00M | 300.00M | 430.00M | 271.38M | 715.00M | 540.00M |
| Other Long-Term Liabilities | 66.81B | 57.91B | 40.26B | 26.46B | 24.52B | 18.85B |
| Total Liabilities | 838.49B | 757.73B | 628.27B | 545.71B | 513.83B | 477.43B |
| Common Stock | 10.15B | 9.67B | 8.79B | 7.48B | 6.96B | 6.33B |
| Additional Paid-In Capital | 11.07M | 11.07M | 11.07M | 11.07M | 11.07M | 11.07M |
| Retained Earnings | 51.06B | 49.54B | 41.75B | 39.68B | 33.46B | 29.60B |
| Comprehensive Income & Other | 852.25M | 852.25M | 1.06B | 1.01B | 1.21B | 1.03B |
| Shareholders' Equity | 62.07B | 60.07B | 51.61B | 48.17B | 41.64B | 36.97B |
| Total Liabilities & Equity | 900.56B | 817.80B | 679.88B | 593.88B | 555.47B | 514.40B |
| Total Debt | 44.63B | 54.92B | 52.78B | 39.05B | 41.45B | 42.99B |
| Net Cash (Debt) | 217.30B | 135.86B | 34.11B | 7.41B | 23.12B | 34.04B |
| Net Cash Per Share | 214.08 | 133.85 | 33.60 | 7.31 | 22.78 | 33.54 |
| Filing Date Shares Outstanding | 1.02B | 1.02B | 1.02B | 1.02B | 1.02B | 1.02B |
| Total Common Shares Outstanding | 1.02B | 1.02B | 1.02B | 1.02B | 1.02B | 1.02B |
| Book Value Per Share | 61.15 | 59.18 | 50.84 | 47.46 | 41.02 | 36.42 |
| Tangible Book Value | 62.07B | 59.71B | 51.42B | 47.95B | 41.49B | 36.85B |
| Tangible Book Value Per Share | 61.15 | 58.82 | 50.65 | 47.24 | 40.87 | 36.30 |
Cash flow statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 13.01B | 9.65B | 4.73B | 8.02B | 5.66B | 5.56B |
| Depreciation & Amortization | 2.39B | 2.46B | 2.29B | 2.15B | 2.00B | 1.73B |
| Other Amortization | 120.37M | 70.15M | 72.72M | 62.14M | 49.82M | 47.77M |
| Gain (Loss) on Sale of Assets | -28.44M | -28.16M | -14.78M | -2.63M | -1.17M | -38.83M |
| Provision for Credit Losses | 5.35M | 3.92M | 1.65M | 2.99M | 44.19M | 133.93M |
| Change in Trading Asset Securities | -121.87B | -109.85B | -27.26B | 18.42B | 20.17B | 10.16B |
| Change in Other Net Operating Assets | -20.25B | -21.19B | -670.17M | -52.43B | -46.89B | -46.79B |
| Other Operating Activities | 15.06B | 17.66B | 8.69B | -818.32M | 3.65B | 3.91B |
| Operating Cash Flow | -111.56B | -101.22B | -12.15B | -24.60B | -15.32B | -25.30B |
| Capital Expenditures | -1.76B | -1.65B | -4.94B | -3.60B | -3.89B | -1.72B |
| Sale of Property, Plant and Equipment | 156.88M | 131.74M | 37.86M | 3.54M | 236.49M | 56.06M |
| Investment in Securities | -5.70B | -15.65B | -11.84B | -5.95B | -5.16B | -14.25B |
| Other Investing Activities | 1.00 | |||||
| Investing Cash Flow | -7.30B | -17.17B | -16.74B | -9.55B | -8.82B | -15.91B |
| Long-Term Debt Issued | 12.00B | 5.00B | ||||
| Long-Term Debt Repaid | -2.00B | -3.00B | -3.00B | -2.00B | -2.00B | |
| Net Debt Issued (Repaid) | -2.00B | 10.00B | -3.00B | 2.00B | -2.00B | -2.00B |
| Common Dividends Paid | -2.42B | -911.12M | -1.28B | -1.22B | -1.11B | -835.89M |
| Net Increase (Decrease) in Deposit Accounts | 114.06B | 98.82B | 48.98B | 34.34B | 36.54B | 38.97B |
| Financing Cash Flow | 109.65B | 107.90B | 44.70B | 35.12B | 33.43B | 36.14B |
| Net Cash Flow | -9.22B | -10.49B | 15.81B | 973.54M | 9.29B | -5.07B |
| Free Cash Flow | -113.32B | -102.87B | -17.09B | -28.20B | -19.21B | -27.02B |
| Free Cash Flow Margin | -222.72% | -241.94% | -58.16% | -88.32% | -65.83% | -108.09% |
| Free Cash Flow Per Share | -111.64 | -101.34 | -16.84 | -27.78 | -18.93 | -26.61 |
| Cash Interest Paid | 21.42B | 18.73B | 12.68B | 8.43B | 7.51B | 6.58B |
| Cash Income Tax Paid | 8.87B | 6.50B | 4.70B | 4.94B | 3.99B | 3.84B |
Ratios
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 47.30B | 37.22B | 42.10B | 44.20B | 43.55B | 49.40B |
| Last Close Price | 46.60 | 34.47 | 38.07 | 38.86 | 37.23 | 41.26 |
| PE Ratio | 3.63 | 3.86 | 8.89 | 5.51 | 7.69 | 8.88 |
| PS Ratio | 0.93 | 0.88 | 1.43 | 1.38 | 1.49 | 1.98 |
| PB Ratio | 0.76 | 0.62 | 0.82 | 0.92 | 1.05 | 1.34 |
| Debt / Equity Ratio | 0.72 | 0.91 | 1.02 | 0.81 | 1.00 | 1.16 |
| Net Debt / Equity Ratio | -3.50 | -2.26 | -0.66 | -0.15 | -0.56 | -0.92 |
| Net Debt / FCF Ratio | 1.92 | 1.32 | 2.00 | 0.26 | 1.20 | 1.26 |
| Return on Equity (ROE) | 22.88% | 17.28% | 9.49% | 17.85% | 14.41% | 16.07% |
| Return on Assets (ROA) | 1.58% | 1.29% | 0.74% | 1.40% | 1.06% | 1.13% |
| Earnings Yield | 27.51% | 25.92% | 11.25% | 18.14% | 13.00% | 11.26% |
| FCF Yield | -239.58% | -276.40% | -40.60% | -63.80% | -44.12% | -54.69% |
| Dividend Yield | 5.11% | 6.49% | 2.09% | 2.96% | 2.79% | 2.24% |
| Payout Ratio | 18.56% | 9.44% | 26.97% | 15.18% | 19.54% | 15.03% |
| Buyback Yield / Dilution | 0.00% | 0.00% | ||||
| Total Shareholder Return | 5.11% | 6.49% | 2.09% | 2.96% | 2.79% | 2.24% |