DSE : EBL
Eastern Bank PLC. — Financial statements
Commercial Banks · Bangladesh
Last price 23.7 BDT (At close: Oct 29, 2026) · Market cap 38.96B
Latest research: Eastern Bank valuation report: fair value BDT 20.4–39.5 (Oct 2026) · Eastern Bank: fair value range BDT 20–40; the Tk2,000 crore rule stops cash dividends while paid-up capital is Tk1,644 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 | 48.70B | 49.03B | 39.56B | 26.87B | 19.89B | 16.54B |
| Interest Paid on Deposits | 42.09B | 39.50B | 29.21B | 18.69B | 13.03B | 8.60B |
| Net Interest Income | 6.61B | 9.54B | 10.35B | 8.18B | 6.86B | 7.93B |
| Gain (Loss) on Sale of Assets | 18.06M | -698.88K | 13.10M | 6.65M | 4.30M | 5.69M |
| Gain (Loss) on Sale of Investments | -225.80M | -581.61M | -1.38B | -87.80M | 273.89M | 520.22M |
| Other Non-Interest Income | 26.49B | 21.57B | 16.31B | 12.69B | 11.31B | 9.38B |
| Total Non-Interest Income | 26.29B | 20.99B | 14.94B | 12.61B | 11.59B | 9.91B |
| Revenues Before Loan Losses | 32.90B | 30.53B | 25.29B | 20.79B | 18.45B | 17.84B |
| Provision for Loan Losses | 3.24B | 3.72B | 2.54B | 1.60B | 1.63B | 2.21B |
| Revenue | 29.66B | 26.81B | 22.76B | 19.20B | 16.83B | 15.63B |
| Salaries and Employee Benefits | 8.39B | 7.86B | 6.67B | 5.53B | 5.02B | 4.26B |
| Occupancy Expenses | 2.30B | 2.17B | 1.93B | 1.76B | 1.57B | 1.34B |
| Selling, General & Administrative | 1.66B | 1.62B | 1.43B | 1.16B | 796.64M | 684.03M |
| Other Non-Interest Expense | 1.64B | 1.70B | 995.04M | 1.01B | 1.42B | 660.96M |
| Total Non-Interest Expense | 13.99B | 13.35B | 11.03B | 9.46B | 8.80B | 6.95B |
| EBT Excluding Unusual Items | 15.66B | 13.46B | 11.73B | 9.73B | 8.02B | 8.68B |
| Other Unusual Items | 383.58M | 161.10M | 225.09M | -152.93M | ||
| Pretax Income | 15.66B | 13.46B | 12.12B | 9.89B | 8.25B | 8.53B |
| Income Tax Expense | 6.45B | 5.12B | 5.52B | 3.77B | 3.13B | 3.73B |
| Net Income | 9.22B | 8.34B | 6.60B | 6.12B | 5.12B | 4.80B |
| Net Income to Common | 9.22B | 8.34B | 6.60B | 6.12B | 5.12B | 4.80B |
| Basic Shares Outstanding | 1.64B | 1.64B | 1.64B | 1.64B | 1.64B | 1.64B |
| Diluted Shares Outstanding | 1.64B | 1.64B | 1.64B | 1.64B | 1.64B | 1.64B |
| EPS (Basic) | 5.61 | 5.07 | 4.01 | 3.72 | 3.12 | 2.92 |
| EPS (Diluted) | 5.61 | 5.07 | 4.01 | 3.72 | 3.12 | 2.92 |
| Dividend Per Share | 2.50 | 2.50 | 1.45 | 0.92 | 0.82 | 0.73 |
| Effective Tax Rate | 41.16% | 38.05% | 45.53% | 38.11% | 37.92% | 43.73% |
Balance sheet
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 15.44B | 23.97B | 26.01B | 28.61B | 24.44B | 22.77B |
| Investment Securities | 145.83B | 176.93B | 146.69B | 95.83B | 77.40B | 68.90B |
| Trading Asset Securities | 138.01B | 39.65B | 1.19B | 1.83B | 15.63B | |
| Total Investments | 283.84B | 216.58B | 147.88B | 97.66B | 93.03B | 68.90B |
| Gross Loans | 468.67B | 479.55B | 412.82B | 355.90B | 311.08B | 271.60B |
| Net Loans | 468.67B | 479.55B | 412.82B | 355.90B | 311.08B | 271.60B |
| Property, Plant & Equipment | 6.83B | 6.86B | 6.37B | 6.06B | 8.58B | 7.67B |
| Other Intangible Assets | 789.37M | 789.37M | 789.37M | 840.72M | 840.72M | 840.72M |
| Accrued Interest Receivable | 5.00B | 4.08B | 2.26B | 1.65B | 1.71B | 1.62B |
| Other Receivables | 7.28B | 5.54B | 3.53B | 2.37B | 1.55B | 1.53B |
| Restricted Cash | 21.84B | 24.35B | 17.47B | 14.65B | 15.76B | 14.36B |
| Other Current Assets | 2.35B | 2.58B | 1.10B | 517.16M | 429.88M | 489.03M |
| Long-Term Deferred Tax Assets | 3.00B | 2.79B | 2.91B | 3.16B | 2.42B | 2.40B |
| Other Long-Term Assets | 116.38M | 147.97M | 118.79M | 51.29M | 21.62M | 20.32M |
| Total Assets | 815.16B | 767.23B | 621.25B | 511.48B | 459.87B | 392.19B |
| Accrued Expenses | 855.24M | 1.20B | 966.82M | 834.42M | 840.97M | 893.40M |
| Interest Bearing Deposits | 520.09B | 508.45B | 416.39B | 335.22B | 290.59B | 243.04B |
| Non-Interest Bearing Deposits | 71.67B | 39.19B | 33.24B | 24.31B | 22.61B | 22.12B |
| Total Deposits | 591.76B | 547.65B | 449.63B | 359.53B | 313.20B | 265.16B |
| Short-Term Borrowings | 4.30B | 2.14B | 5.32B | 5.07B | 2.91B | 2.25B |
| Current Portion of Long-Term Debt | 112.70B | 77.51B | 62.00B | 66.81B | 53.22B | |
| Current Income Taxes Payable | 3.29B | 3.78B | 4.09B | 2.92B | 2.24B | 3.37B |
| Accrued Interest Payable | 1.25B | 8.31B | 6.78B | 3.63B | 2.59B | 1.40B |
| Other Current Liabilities | 16.04B | 2.31B | 1.41B | 2.45B | 1.34B | 1.38B |
| Long-Term Debt | 111.48B | 3.33B | 883.55M | 8.60B | 8.87B | 9.83B |
| Long-Term Leases | 1.41B | 1.45B | 1.46B | 1.27B | 1.31B | 752.38M |
| Long-Term Unearned Revenue | 20.73M | 29.05M | 36.41M | 16.81M | 24.65M | 47.47M |
| Pension & Post-Retirement Benefits | 277.23M | 380.49M | 551.94M | 124.33M | 443.69M | 650.82M |
| Other Long-Term Liabilities | 34.00B | 33.85B | 29.37B | 26.79B | 23.51B | 21.61B |
| Total Liabilities | 764.68B | 717.14B | 578.02B | 473.23B | 424.11B | 360.55B |
| Common Stock | 16.44B | 15.96B | 13.58B | 12.07B | 10.73B | 9.54B |
| Retained Earnings | 33.16B | 33.24B | 29.74B | 26.17B | 22.74B | 20.00B |
| Comprehensive Income & Other | 883.39M | 888.44M | -87.87M | -1.58M | 2.29B | 2.10B |
| Shareholders' Equity | 50.48B | 50.08B | 43.23B | 38.24B | 35.76B | 31.64B |
| Total Liabilities & Equity | 815.16B | 767.23B | 621.25B | 511.48B | 459.87B | 392.19B |
| Total Debt | 117.19B | 119.62B | 85.18B | 76.94B | 79.91B | 66.05B |
| Net Cash (Debt) | 36.26B | -56.00B | -57.98B | -46.50B | -39.84B | -43.28B |
| Net Cash Per Share | 22.06 | -34.07 | -35.27 | -28.29 | -24.24 | -26.33 |
| Filing Date Shares Outstanding | 1.64B | 1.64B | 1.64B | 1.64B | 1.64B | 1.64B |
| Total Common Shares Outstanding | 1.64B | 1.64B | 1.64B | 1.64B | 1.64B | 1.64B |
| Book Value Per Share | 30.71 | 30.47 | 26.30 | 23.27 | 21.76 | 19.25 |
| Tangible Book Value | 49.69B | 49.29B | 42.44B | 37.40B | 34.92B | 30.80B |
| Tangible Book Value Per Share | 30.23 | 29.99 | 25.82 | 22.75 | 21.25 | 18.74 |
Cash flow statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 9.22B | 8.34B | 6.60B | 6.12B | 5.12B | 4.80B |
| Depreciation & Amortization | 1.07B | 1.00B | 898.11M | 821.82M | 772.94M | 680.30M |
| Other Amortization | 113.25M | 113.25M | 136.62M | 137.18M | 76.93M | 60.65M |
| Change in Trading Asset Securities | -87.69B | -40.95B | -29.68B | 1.58B | -17.12B | 18.65B |
| Change in Income Taxes | 1.13B | -1.31B | ||||
| Change in Other Net Operating Assets | -25.19B | -69.08B | -59.83B | -44.36B | -41.08B | -39.57B |
| Other Operating Activities | 6.90B | 5.14B | 7.90B | 1.69B | 2.71B | 2.47B |
| Operating Cash Flow | -95.58B | -95.43B | -73.97B | -34.01B | -48.38B | -14.22B |
| Capital Expenditures | -1.06B | -1.15B | -605.56M | -589.84M | -1.77B | -724.62M |
| Investment in Securities | -27.74B | -28.62B | -20.35B | -5.17B | -6.78B | -22.34B |
| Other Investing Activities | -169.70M | -123.34M | -481.03M | -125.57M | 1.00 | |
| Investing Cash Flow | -28.97B | -29.89B | -21.44B | -5.88B | -8.55B | -23.07B |
| Long-Term Debt Issued | 5.34B | 1.07B | 450.00M | 19.02B | ||
| Long-Term Debt Repaid | -344.05M | -1.06B | -296.97M | |||
| Lease Payments | -354.71M | -344.05M | -60.22M | -296.97M | ||
| Net Debt Issued (Repaid) | 5.98B | 5.00B | -1.06B | 773.03M | 450.00M | 19.02B |
| Common Dividends Paid | -3.96B | -2.37B | -1.50B | -1.33B | -1.19B | -1.42B |
| Net Increase (Decrease) in Deposit Accounts | 118.60B | 127.55B | 98.06B | 43.45B | 60.81B | 27.67B |
| Other Financing Activities | 1.00 | -1.00 | ||||
| Financing Cash Flow | 120.62B | 130.17B | 95.50B | 42.90B | 60.07B | 45.26B |
| Foreign Exchange Rate Adjustments | 2.48M | 2.89M | 119.96M | 57.37M | -77.63M | -3.50M |
| Net Cash Flow | -3.92B | 4.85B | 211.38M | 3.06B | 3.07B | 7.98B |
| Free Cash Flow | -96.64B | -96.59B | -74.57B | -34.60B | -50.14B | -14.94B |
| Free Cash Flow Margin | -325.87% | -360.27% | -327.68% | -180.25% | -298.01% | -95.57% |
| Free Cash Flow Per Share | -58.79 | -58.76 | -45.37 | -21.05 | -30.51 | -9.09 |
| Free Cash Flow After Leases | -96.99B | -96.93B | -74.63B | -34.90B | -50.14B | -14.94B |
| Cash Interest Paid | 40.42B | 37.97B | 26.05B | 17.65B | 11.84B | 10.15B |
| Cash Income Tax Paid | -5.30B | 3.89B | 3.71B | 4.26B | 2.42B |
Ratios
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 38.63B | 38.78B | 33.55B | 35.49B | 34.12B | 36.72B |
| Last Close Price | 23.50 | 21.43 | 17.34 | 17.63 | 16.31 | 16.98 |
| PE Ratio | 4.19 | 4.65 | 5.08 | 5.80 | 6.66 | 7.65 |
| PS Ratio | 1.30 | 1.45 | 1.47 | 1.85 | 2.03 | 2.35 |
| PB Ratio | 0.77 | 0.77 | 0.78 | 0.93 | 0.95 | 1.16 |
| Debt / Equity Ratio | 2.32 | 2.39 | 1.97 | 2.01 | 2.23 | 2.09 |
| Net Debt / Equity Ratio | -0.72 | 1.12 | 1.34 | 1.22 | 1.11 | 1.37 |
| Net Debt / FCF Ratio | 0.38 | -0.58 | -0.78 | -1.34 | -0.80 | -2.90 |
| Return on Equity (ROE) | 19.46% | 17.88% | 16.20% | 16.55% | 15.19% | 15.72% |
| Return on Assets (ROA) | 1.23% | 1.20% | 1.17% | 1.26% | 1.20% | 1.31% |
| Earnings Yield | 23.86% | 21.51% | 19.67% | 17.25% | 15.01% | 13.07% |
| FCF Yield | -250.19% | -249.07% | -222.30% | -97.49% | -146.94% | -40.69% |
| Dividend Yield | 10.64% | 10.60% | 7.08% | 4.25% | 3.93% | 3.25% |
| Payout Ratio | 42.93% | 28.37% | 22.73% | 21.71% | 23.29% | 29.59% |
| Buyback Yield / Dilution | -0.09% | 0.00% | 0.00% | |||
| Total Shareholder Return | 10.54% | 10.60% | 7.08% | 4.25% | 3.93% | 3.25% |