DSE : JAMUNABANK
Jamuna Bank PLC. — Financial statements
Commercial Banks · Bangladesh
Last price 23.4 BDT (At close: Oct 28, 2026) · Market cap 22.07B
Latest research: Jamuna Bank valuation report: fair value BDT 8.8–28.7 (Oct 2026) · Jamuna Bank: fair value range BDT 9–29; 2025's doubled profit leaned on a 19.6% tax rate and bond gains, and Tk939 crore of paid-up capital bars 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 | 16.89B | 18.08B | 20.26B | 14.93B | 12.34B | 11.11B |
| Interest Paid on Deposits | 16.34B | 17.71B | 16.88B | 10.52B | 9.34B | 8.51B |
| Net Interest Income | 546.32M | 375.87M | 3.38B | 4.42B | 3.00B | 2.59B |
| Gain (Loss) on Sale of Investments | 26.61M | -11.65M | -28.87M | -3.10M | -15.62M | 30.48M |
| Other Non-Interest Income | 19.59B | 18.75B | 14.02B | 11.21B | 9.89B | 8.46B |
| Total Non-Interest Income | 19.62B | 18.74B | 13.99B | 11.21B | 9.88B | 8.49B |
| Revenues Before Loan Losses | 20.17B | 19.12B | 17.37B | 15.62B | 12.88B | 11.08B |
| Provision for Loan Losses | 1.28B | 2.02B | 2.50B | 2.37B | 2.34B | 999.94M |
| Revenue | 18.89B | 17.10B | 14.87B | 13.25B | 10.54B | 10.08B |
| Salaries and Employee Benefits | 6.58B | 6.13B | 5.04B | 5.23B | 4.39B | 3.43B |
| Occupancy Expenses | 1.45B | 1.37B | 1.26B | 1.08B | 822.19M | 744.87M |
| Selling, General & Administrative | 979.84M | 950.52M | 953.44M | 1.04B | 906.47M | 781.16M |
| Other Non-Interest Expense | 1.91B | 1.71B | 1.77B | 1.60B | 1.13B | 1.06B |
| Total Non-Interest Expense | 10.92B | 10.17B | 9.02B | 8.94B | 7.25B | 6.01B |
| EBT Excluding Unusual Items | 7.97B | 6.94B | 5.85B | 4.31B | 3.29B | 4.07B |
| Pretax Income | 7.97B | 6.94B | 5.85B | 4.31B | 3.29B | 4.07B |
| Income Tax Expense | 1.73B | 1.37B | 3.06B | 1.94B | 1.71B | 1.56B |
| Earnings From Continuing Operations | 6.23B | 5.56B | 2.79B | 2.37B | 1.59B | 2.51B |
| Minority Interest in Earnings | -3.00 | 3.00 | -2.00 | -6.00 | 11.00 | -49.00 |
| Net Income | 6.23B | 5.56B | 2.79B | 2.37B | 1.59B | 2.51B |
| Net Income to Common | 6.23B | 5.56B | 2.79B | 2.37B | 1.59B | 2.51B |
| Basic Shares Outstanding | 938.51M | 939.34M | 939.34M | 939.34M | 939.34M | 939.34M |
| Diluted Shares Outstanding | 938.51M | 939.34M | 939.34M | 939.34M | 939.34M | 939.34M |
| EPS (Basic) | 6.64 | 5.92 | 2.97 | 2.52 | 1.69 | 2.67 |
| EPS (Diluted) | 6.64 | 5.92 | 2.97 | 2.52 | 1.69 | 2.67 |
| Dividend Per Share | 2.90 | 2.90 | 1.64 | 1.51 | 1.40 | 1.40 |
| Effective Tax Rate | 21.77% | 19.80% | 52.28% | 45.10% | 51.77% | 38.29% |
Balance sheet
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 4.60B | 21.88B | 27.26B | 20.65B | 8.26B | 7.01B |
| Investment Securities | 255.19B | 203.68B | 129.30B | 81.50B | 78.16B | 69.47B |
| Total Investments | 255.19B | 203.68B | 129.30B | 81.50B | 78.16B | 69.47B |
| Gross Loans | 169.71B | 188.39B | 200.86B | 196.85B | 189.48B | 182.39B |
| Allowance for Loan Losses | -10.41B | -10.71B | -8.96B | -7.91B | -6.44B | |
| Net Loans | 169.71B | 177.98B | 190.15B | 187.89B | 181.57B | 175.95B |
| Property, Plant & Equipment | 4.98B | 5.26B | 5.61B | 4.73B | 4.31B | 3.56B |
| Accrued Interest Receivable | 3.40B | 2.40B | 1.24B | 1.25B | 1.12B | |
| Restricted Cash | 16.30B | 13.98B | 11.37B | 9.18B | 8.50B | 7.29B |
| Other Current Assets | 582.01M | 469.91M | 237.90M | 623.28M | 995.11M | |
| Other Long-Term Assets | 11.08B | 1.94B | -67.85M | 1.94B | 424.26M | -582.19M |
| Total Assets | 466.75B | 428.70B | 366.49B | 307.36B | 283.10B | 264.82B |
| Accrued Expenses | 287.93M | 307.81M | 926.45M | 792.58M | 685.02M | |
| Interest Bearing Deposits | 282.05B | 318.93B | 273.77B | 212.93B | 200.23B | 190.92B |
| Non-Interest Bearing Deposits | 96.98B | 20.07B | 20.50B | 16.44B | 16.72B | 15.13B |
| Total Deposits | 379.02B | 339.00B | 294.27B | 229.37B | 216.95B | 206.05B |
| Short-Term Borrowings | 14.37B | 15.32B | 9.58B | 18.62B | 1.43B | 3.74B |
| Current Portion of Long-Term Debt | 9.21B | 2.84B | ||||
| Current Income Taxes Payable | 1.41B | 730.82M | 678.18M | 885.55M | ||
| Accrued Interest Payable | 10.95B | 9.35B | 6.31B | 3.58B | 1.03B | |
| Other Current Liabilities | 13.48B | 10.36B | 6.78B | 8.69B | 4.51B | 4.97B |
| Long-Term Debt | 11.58B | 9.90B | 7.00B | 9.10B | 14.05B | 13.62B |
| Long-Term Leases | 32.77M | 69.98M | 78.47M | 23.52M | 100.23M | |
| Long-Term Unearned Revenue | 69.20M | 232.90M | 231.29M | 180.80M | ||
| Long-Term Deferred Tax Liabilities | 6.74M | 1.54M | 889.50K | 5.82M | 1.88M | |
| Other Long-Term Liabilities | 19.61B | 17.00B | 15.77B | 13.24B | 12.02B | 9.62B |
| Total Liabilities | 438.06B | 402.93B | 344.78B | 287.31B | 263.43B | 243.54B |
| Common Stock | 9.39B | 9.39B | 8.82B | 8.13B | 7.49B | 7.49B |
| Retained Earnings | 17.62B | 14.04B | 10.99B | 10.71B | 10.70B | 10.76B |
| Comprehensive Income & Other | 1.67B | 2.33B | 1.90B | 1.21B | 1.49B | 3.04B |
| Total Common Equity | 28.69B | 25.76B | 21.71B | 20.06B | 19.68B | 21.29B |
| Minority Interest | 1.68K | 1.65K | 1.66K | 1.65K | 1.65K | 1.65K |
| Shareholders' Equity | 28.69B | 25.76B | 21.71B | 20.06B | 19.68B | 21.29B |
| Total Liabilities & Equity | 466.75B | 428.70B | 366.49B | 307.36B | 283.10B | 264.82B |
| Total Debt | 25.95B | 25.25B | 16.65B | 27.80B | 24.72B | 20.30B |
| Net Cash (Debt) | -21.36B | -3.37B | 10.60B | -7.15B | -16.46B | -13.28B |
| Net Cash Per Share | -22.76 | -3.58 | 11.29 | -7.61 | -17.52 | -14.14 |
| Filing Date Shares Outstanding | 939.34M | 939.34M | 939.34M | 939.34M | 939.34M | 939.34M |
| Total Common Shares Outstanding | 939.34M | 939.34M | 939.34M | 939.34M | 939.34M | 939.34M |
| Book Value Per Share | 30.54 | 27.43 | 23.11 | 21.35 | 20.95 | 22.66 |
| Tangible Book Value | 28.69B | 25.76B | 21.71B | 20.06B | 19.68B | 21.29B |
| Tangible Book Value Per Share | 30.54 | 27.43 | 23.11 | 21.35 | 20.95 | 22.66 |
Cash flow statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 6.23B | 5.56B | 2.79B | 2.37B | 1.59B | 2.51B |
| Depreciation & Amortization | 966.46M | 920.62M | 811.88M | 682.95M | 531.90M | 433.24M |
| Change in Other Net Operating Assets | -64.40B | -60.22B | -50.11B | -13.84B | -8.19B | -16.96B |
| Other Operating Activities | 153.57M | 382.18M | 5.17B | 5.16B | 4.80B | 1.46B |
| Operating Cash Flow | -57.05B | -53.36B | -41.34B | -5.64B | -1.27B | -12.56B |
| Capital Expenditures | -334.09M | -322.12M | -1.57B | -750.46M | -1.20B | -418.96M |
| Investment in Securities | -17.39B | -4.48B | 1.28B | 1.13B | -8.69B | -16.86B |
| Other Investing Activities | 1.00 | |||||
| Investing Cash Flow | -17.73B | -4.80B | -295.55M | 379.25M | -9.89B | -17.28B |
| Long-Term Debt Issued | 2.90B | 5.40B | 4.70B | |||
| Long-Term Debt Repaid | -2.10B | -1.60B | -900.00M | |||
| Net Debt Issued (Repaid) | -5.67B | 2.90B | -2.10B | -1.60B | 4.50B | 4.70B |
| Common Dividends Paid | -1.54B | -1.42B | -1.31B | -1.31B | -1.31B | |
| Net Increase (Decrease) in Deposit Accounts | 62.50B | 54.04B | 53.96B | 21.23B | 10.44B | 21.05B |
| Other Financing Activities | 1.00 | |||||
| Financing Cash Flow | 56.82B | 55.40B | 50.43B | 18.32B | 13.63B | 24.44B |
| Net Cash Flow | -17.95B | -2.76B | 8.80B | 13.06B | 2.46B | -5.40B |
| Free Cash Flow | -57.38B | -53.68B | -42.91B | -6.39B | -2.47B | -12.97B |
| Free Cash Flow Margin | -303.80% | -313.89% | -288.52% | -48.21% | -23.45% | -128.69% |
| Free Cash Flow Per Share | -61.14 | -57.15 | -45.68 | -6.80 | -2.63 | -13.81 |
| Cash Interest Paid | 15.87B | 16.50B | 14.24B | 7.78B | 6.79B | 8.60B |
| Cash Income Tax Paid | 3.42B | 3.42B | 2.38B | 2.06B | 1.91B | 2.15B |
Ratios
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 22.07B | 19.82B | 17.29B | 16.99B | 15.96B | 17.53B |
| Last Close Price | 23.50 | 18.83 | 14.94 | 13.45 | 11.66 | 11.81 |
| PE Ratio | 3.45 | 3.56 | 6.19 | 7.18 | 10.04 | 6.98 |
| PS Ratio | 1.13 | 1.16 | 1.16 | 1.28 | 1.51 | 1.74 |
| PB Ratio | 0.78 | 0.77 | 0.80 | 0.85 | 0.81 | 0.82 |
| Debt / Equity Ratio | 0.91 | 0.98 | 0.77 | 1.39 | 1.26 | 0.95 |
| Net Debt / Equity Ratio | 0.74 | 0.13 | -0.49 | 0.36 | 0.84 | 0.62 |
| Net Debt / FCF Ratio | -0.37 | -0.06 | 0.25 | -1.12 | -6.66 | -1.02 |
| Return on Equity (ROE) | 24.08% | 23.43% | 13.38% | 11.91% | 7.76% | 11.09% |
| Return on Assets (ROA) | 1.43% | 1.40% | 0.83% | 0.80% | 0.58% | 0.99% |
| Earnings Yield | 29.03% | 28.06% | 16.16% | 13.93% | 9.96% | 14.33% |
| FCF Yield | -274.21% | -270.83% | -248.23% | -37.60% | -15.49% | -74.00% |
| Dividend Yield | 12.34% | 13.74% | 8.93% | 8.37% | 8.22% | 7.48% |
| Payout Ratio | 42.51% | 27.75% | 50.93% | 55.41% | 82.51% | 52.19% |
| Buyback Yield / Dilution | 0.21% | 0.00% | 0.00% | |||
| Total Shareholder Return | 12.55% | 13.74% | 8.93% | 8.37% | 8.22% | 7.48% |