DSE : EXIMBANK
Export Import Bank of Bangladesh PLC. — Financial statements
Commercial Banks · Bangladesh
Last price 3 BDT (At close: Nov 5, 2025) · Market cap 4.34B
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Financial statements
Income statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 44.01B | 47.45B | 36.61B | 29.87B | 27.91B | 31.64B |
| Interest Paid on Deposits | 42.37B | 37.36B | 26.38B | 21.70B | 20.20B | 23.29B |
| Net Interest Income | 1.64B | 10.09B | 10.23B | 8.17B | 7.71B | 8.35B |
| Gain (Loss) on Sale of Assets | 2.01M | 2.01M | 2.66M | 1.89M | 670.74K | |
| Gain (Loss) on Sale of Investments | -465.35M | -1.10B | -132.06M | -113.24M | 739.33M | 69.88M |
| Other Non-Interest Income | 6.04B | 5.96B | 4.94B | 6.30B | 4.59B | 4.80B |
| Total Non-Interest Income | 5.57B | 4.86B | 4.81B | 6.19B | 5.33B | 4.87B |
| Revenues Before Loan Losses | 7.22B | 14.95B | 15.04B | 14.36B | 13.05B | 13.22B |
| Provision for Loan Losses | -4.56B | 4.41B | 1.93B | 173.44M | 1.61B | 1.13B |
| Revenue | 11.78B | 10.54B | 13.10B | 14.19B | 11.44B | 12.09B |
| Salaries and Employee Benefits | 5.02B | 3.90B | 3.76B | 3.67B | 3.05B | 3.26B |
| Occupancy Expenses | 1.08B | 1.32B | 959.26M | 915.28M | 637.71M | 513.22M |
| Selling, General & Administrative | 839.42M | 885.06M | 862.63M | 862.30M | 779.02M | 755.43M |
| Other Non-Interest Expense | 1.93B | 2.60B | 1.85B | 2.22B | 2.75B | 1.95B |
| Total Non-Interest Expense | 8.86B | 8.70B | 7.43B | 7.67B | 7.22B | 6.48B |
| EBT Excluding Unusual Items | 2.92B | 1.84B | 5.67B | 6.52B | 4.22B | 5.61B |
| Pretax Income | 2.92B | 1.84B | 5.67B | 6.52B | 4.22B | 5.61B |
| Income Tax Expense | 1.79B | 1.58B | 2.29B | 2.79B | 2.07B | 2.80B |
| Earnings From Continuing Operations | 1.13B | 258.90M | 3.38B | 3.72B | 2.16B | 2.82B |
| Minority Interest in Earnings | 11.87K | 13.71K | -5.15K | -3.93K | -11.52K | -2.20K |
| Net Income | 1.13B | 258.91M | 3.38B | 3.72B | 2.16B | 2.82B |
| Preferred Dividends & Other Adjustments | -205.92M | -205.92M | 146.71M | |||
| Net Income to Common | 1.33B | 464.83M | 3.23B | 3.72B | 2.16B | 2.82B |
| Basic Shares Outstanding | 1.45B | 1.45B | 1.45B | 1.45B | 1.45B | 1.45B |
| Diluted Shares Outstanding | 1.45B | 1.45B | 1.45B | 1.45B | 1.45B | 1.45B |
| EPS (Basic) | 0.92 | 0.32 | 2.23 | 2.57 | 1.49 | 1.94 |
| EPS (Diluted) | 0.92 | 0.32 | 2.23 | 2.57 | 1.49 | 1.94 |
| Dividend Per Share | 1.00 | 1.00 | 1.00 | 0.73 | ||
| Effective Tax Rate | 61.29% | 85.89% | 40.41% | 42.89% | 48.94% | 49.83% |
Balance sheet
Fiscal year January - December; amounts in BDT.
| TTM | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 1.46B | 22.92B | 23.44B | 27.93B | 45.58B | 27.96B |
| Investment Securities | 45.79B | 48.12B | 50.54B | 34.49B | 42.50B | 39.39B |
| Total Investments | 45.79B | 48.12B | 50.54B | 34.49B | 42.50B | 39.39B |
| Gross Loans | 543.48B | 525.40B | 472.83B | 453.45B | 429.03B | 394.17B |
| Net Loans | 543.48B | 525.40B | 472.83B | 453.45B | 429.03B | 394.17B |
| Property, Plant & Equipment | 5.52B | 5.78B | 5.83B | 5.86B | 5.54B | 5.55B |
| Accrued Interest Receivable | 2.18B | 1.46B | 842.23M | 1.16B | 1.65B | |
| Other Receivables | 248.34M | 306.53M | 244.55M | 353.84M | 214.36M | |
| Restricted Cash | 7.70B | 17.75B | 17.46B | 15.36B | 14.89B | 13.90B |
| Other Current Assets | 238.90M | 194.15M | 215.96M | 208.64M | 231.97M | |
| Other Long-Term Assets | 5.96B | 3.65B | 4.08B | 2.02B | 2.41B | 1.79B |
| Total Assets | 609.91B | 626.27B | 576.14B | 540.41B | 541.67B | 484.85B |
| Accrued Expenses | 838.05M | 656.81M | 577.24M | 430.78M | 299.37M | |
| Interest Bearing Deposits | 327.51B | 367.12B | 385.05B | 361.98B | 376.05B | 355.54B |
| Non-Interest Bearing Deposits | 36.29B | 58.17B | 57.68B | 60.42B | 42.16B | 36.34B |
| Total Deposits | 363.81B | 425.29B | 442.73B | 422.40B | 418.21B | 391.87B |
| Short-Term Borrowings | 240.00M | |||||
| Current Portion of Long-Term Debt | 104.92B | 38.31B | 33.99B | 43.05B | 25.68B | |
| Current Income Taxes Payable | 174.84M | 1.13B | 1.58B | 758.23M | 987.18M | |
| Accrued Interest Payable | 574.96M | 511.36M | 436.79M | 114.73M | 78.97M | |
| Other Current Liabilities | 2.49B | 6.27B | 5.17B | 4.56B | 2.98B | 2.91B |
| Long-Term Debt | 168.87B | 25.75B | 31.48B | 23.14B | 23.22B | 12.45B |
| Pension & Post-Retirement Benefits | 10.00M | 105.00M | 93.13M | 1.05B | 631.00M | |
| Long-Term Deferred Tax Liabilities | -48.33M | -2.76M | 55.51M | 66.33M | 73.98M | 95.45M |
| Other Long-Term Liabilities | 46.51B | 30.63B | 22.70B | 21.71B | 20.34B | 19.25B |
| Total Liabilities | 581.62B | 594.69B | 542.85B | 508.54B | 510.22B | 454.26B |
| Common Stock | 14.48B | 14.48B | 14.48B | 14.48B | 14.48B | 14.12B |
| Retained Earnings | 13.13B | 16.43B | 18.16B | 16.75B | 14.90B | 14.40B |
| Comprehensive Income & Other | 675.14M | 671.16M | 655.33M | 645.39M | 2.07B | 2.07B |
| Total Common Equity | 28.28B | 31.58B | 33.29B | 31.87B | 31.44B | 30.59B |
| Minority Interest | 114.14K | 110.94K | 124.66K | 119.50K | 115.57K | 104.06K |
| Shareholders' Equity | 28.29B | 31.58B | 33.29B | 31.87B | 31.44B | 30.59B |
| Total Liabilities & Equity | 609.91B | 626.27B | 576.14B | 540.41B | 541.67B | 484.85B |
| Total Debt | 168.87B | 130.91B | 69.79B | 57.12B | 66.27B | 38.13B |
| Net Cash (Debt) | -167.41B | -108.00B | -46.35B | -29.19B | -20.69B | -10.17B |
| Net Cash Per Share | -115.65 | -74.61 | -32.02 | -20.17 | -14.29 | -7.03 |
| Filing Date Shares Outstanding | 1.45B | 1.45B | 1.45B | 1.45B | 1.45B | 1.45B |
| Total Common Shares Outstanding | 1.45B | 1.45B | 1.45B | 1.45B | 1.45B | 1.45B |
| Book Value Per Share | 19.54 | 21.82 | 23.00 | 22.01 | 21.72 | 21.13 |
| Tangible Book Value | 28.28B | 31.58B | 33.29B | 31.87B | 31.44B | 30.59B |
| Tangible Book Value Per Share | 19.54 | 21.82 | 23.00 | 22.01 | 21.72 | 21.13 |
Cash flow statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | |
|---|---|---|---|---|---|---|
| Net Income | 1.13B | 258.91M | 3.38B | 3.72B | 2.16B | 2.82B |
| Depreciation & Amortization | 464.29M | 483.63M | 436.23M | 332.53M | 237.46M | 242.65M |
| Gain (Loss) on Sale of Assets | 2.22M | -1.32M | 2.73M | -1.84M | -511.00K | -172.40K |
| Change in Trading Asset Securities | 3.00B | 1.29B | -502.85M | 1.49B | -1.12B | 53.64M |
| Accrued Interest Receivable | 172.06M | -700.04M | -584.45M | 635.98M | 482.79M | -337.79M |
| Change in Other Net Operating Assets | 72.83B | 13.01B | -16.72B | -32.06B | -15.96B | -37.15B |
| Other Operating Activities | -3.86B | 5.01B | 1.73B | 1.43B | 1.55B | 576.11M |
| Operating Cash Flow | 73.77B | 21.05B | -11.00B | -23.94B | -13.02B | -34.66B |
| Capital Expenditures | -152.93M | -433.29M | -428.87M | -2.10B | -234.44M | -139.28M |
| Sale of Property, Plant and Equipment | 9.06M | 3.13M | 15.01M | 2.28M | 1.07M | 900.44K |
| Investment in Securities | 1.04B | -15.50B | 6.56B | -1.91B | 3.24B | |
| Investing Cash Flow | -143.88M | 610.10M | -15.91B | 4.47B | -2.15B | 3.10B |
| Long-Term Debt Issued | 250.00M | 6.77B | 1.45B | 9.55B | ||
| Long-Term Debt Repaid | -493.20M | -418.63M | -2.59B | -1.30B | -1.30B | |
| Net Debt Issued (Repaid) | 743.20M | -243.20M | 6.36B | -1.14B | 8.25B | -1.30B |
| Common Dividends Paid | -1.45B | -1.45B | -1.45B | -1.06B | -1.41B | |
| Net Increase (Decrease) in Deposit Accounts | -79.01B | -20.24B | 19.60B | 4.82B | 26.58B | 39.64B |
| Financing Cash Flow | -78.27B | -21.93B | 24.51B | 2.24B | 33.77B | 36.92B |
| Foreign Exchange Rate Adjustments | 12.59M | 27.71M | 16.41M | 60.86M | 352.73K | 603.07K |
| Net Cash Flow | -4.63B | -240.85M | -2.39B | -17.17B | 18.60B | 5.36B |
| Free Cash Flow | 73.62B | 20.62B | -11.43B | -26.04B | -13.26B | -34.80B |
| Free Cash Flow Margin | 625.07% | 195.65% | -87.24% | -183.48% | -115.87% | -287.79% |
| Free Cash Flow Per Share | 50.85 | 14.24 | -7.90 | -17.99 | -9.16 | -24.04 |
| Cash Interest Paid | 42.18B | 35.65B | 25.12B | 21.18B | 20.57B | 24.15B |
| Cash Income Tax Paid | 694.28M | 2.25B | 2.42B | 1.79B | 2.16B | 2.88B |
Ratios
Fiscal year January - December; amounts in BDT.
| TTM | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 4.34B | 10.42B | 15.05B | 15.05B | 18.38B | 16.66B |
| Last Close Price | 3.00 | 7.20 | 9.28 | 8.41 | 9.42 | 8.04 |
| PE Ratio | 3.26 | 22.42 | 4.66 | 4.04 | 8.53 | 5.92 |
| PS Ratio | 0.37 | 0.99 | 1.15 | 1.06 | 1.61 | 1.38 |
| PB Ratio | 0.15 | 0.33 | 0.45 | 0.47 | 0.58 | 0.55 |
| P/FCF Ratio | 0.06 | 0.51 | ||||
| P/OCF Ratio | 0.06 | 0.49 | ||||
| Debt / Equity Ratio | 5.97 | 4.15 | 2.10 | 1.79 | 2.11 | 1.25 |
| Debt / FCF Ratio | 2.29 | 6.35 | ||||
| Net Debt / Equity Ratio | 5.92 | 3.42 | 1.39 | 0.92 | 0.66 | 0.33 |
| Net Debt / FCF Ratio | 2.27 | 5.24 | -4.05 | -1.12 | -1.56 | -0.29 |
| Return on Equity (ROE) | 4.02% | 0.80% | 10.37% | 11.76% | 6.95% | 9.42% |
| Return on Assets (ROA) | 0.19% | 0.04% | 0.60% | 0.69% | 0.42% | 0.61% |
| Earnings Yield | 30.70% | 2.48% | 22.45% | 24.72% | 11.73% | 16.89% |
| FCF Yield | 1,695.16% | 197.80% | -75.93% | -172.94% | -72.11% | -208.82% |
| Dividend Yield | 33.33% | 9.62% | 9.62% | 7.87% | 6.36% | |
| Payout Ratio | 559.10% | 42.83% | 38.90% | 49.11% | 50.16% | |
| Buyback Yield / Dilution | 0.00% | |||||
| Total Shareholder Return | 33.33% | 9.62% | 9.62% | 7.87% | 6.36% |