DSE : LANKABAFIN
LankaBangla Finance PLC. — Financial statements
Miscellaneous business Credit Institutions · Bangladesh
Last price 13.1 BDT (At close: Oct 29, 2026) · Market cap 7.06B
Latest research: LankaBangla Finance financial analysis: 13.7% NPL, BDT 4.3bn deferred provision shortfall, FY2025 accounts not filed (Oct 2026) · LankaBangla Finance: NPL nearly doubled to 13.7% in 2024, and a BDT 4.3bn provision shortfall deferred by Bangladesh Bank equals 60% of solo equity
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Financial statements
Income statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | |
|---|---|---|---|---|---|---|
| Interest and Dividend Income | 9.53B | 9.73B | 7.89B | 7.75B | 8.25B | 8.46B |
| Total Interest Expense | 6.67B | 6.63B | 5.55B | 5.01B | 4.87B | 5.97B |
| Net Interest Income | 2.87B | 3.10B | 2.34B | 2.73B | 3.38B | 2.49B |
| Commissions and Fees | 580.74M | 595.09M | 484.80M | 777.37M | 1.28B | 496.35M |
| Other Revenue | 858.24M | 748.86M | 742.24M | 748.49M | 722.60M | 709.60M |
| Revenue Before Loan Losses | 4.30B | 4.45B | 3.56B | 4.26B | 5.38B | 3.70B |
| Provision for Loan Losses | 916.28M | 615.65M | 761.57M | 538.38M | 868.79M | 290.07M |
| Revenue | 3.39B | 3.83B | 2.80B | 3.72B | 4.51B | 3.41B |
| Salaries & Employee Benefits | 1.41B | 1.37B | 1.26B | 1.36B | 1.38B | 1.28B |
| Cost of Services Provided | 769.15M | 815.87M | 750.16M | 664.35M | 631.32M | 590.45M |
| Other Operating Expenses | 622.63M | 674.21M | 638.11M | 598.01M | 591.04M | 505.33M |
| Total Operating Expenses | 2.80B | 2.86B | 2.65B | 2.62B | 2.61B | 2.37B |
| Operating Income | 587.19M | 971.06M | 154.08M | 1.10B | 1.91B | 1.03B |
| Currency Exchange Gain (Loss) | 12.72K | 12.72K | 15.24K | 18.85K | -662.00 | -4.70K |
| EBT Excluding Unusual Items | 557.08M | 941.56M | 152.23M | 1.10B | 1.90B | 1.03B |
| Gain (Loss) on Sale of Investments | -48.48M | -260.51M | -49.81M | -159.41M | 37.58M | 140.74M |
| Impairment of Goodwill | -234.14M | |||||
| Pretax Income | 511.45M | 683.91M | 752.13M | 946.57M | 1.71B | 1.18B |
| Income Tax Expense | 286.41M | 394.97M | 359.36M | 285.20M | 399.50M | 199.77M |
| Earnings From Continuing Ops. | 225.04M | 288.93M | 392.76M | 661.38M | 1.31B | 978.52M |
| Minority Interest in Earnings | -16.74M | -15.38M | -15.25M | -11.56M | -25.34M | -4.43M |
| Net Income | 208.30M | 273.56M | 377.51M | 649.81M | 1.28B | 974.09M |
| Net Income to Common | 208.30M | 273.56M | 377.51M | 649.81M | 1.28B | 974.09M |
| Shares Outstanding (Basic) | 544.91M | 538.84M | 538.84M | 538.84M | 538.84M | 538.84M |
| Shares Outstanding (Diluted) | 544.91M | 538.84M | 538.84M | 538.84M | 538.84M | 538.84M |
| EPS (Basic) | 0.38 | 0.51 | 0.70 | 1.21 | 2.38 | 1.81 |
| EPS (Diluted) | 0.38 | 0.51 | 0.70 | 1.21 | 2.38 | 1.81 |
| Free Cash Flow | -63.40M | 655.69M | 98.53M | -7.25B | -676.31M | 8.33B |
| Free Cash Flow Per Share | -0.12 | 1.22 | 0.18 | -13.45 | -1.25 | 15.46 |
| Dividend Per Share | 1.00 | 1.00 | 1.00 | 1.20 | ||
| Operating Margin | 17.33% | 25.36% | 5.50% | 29.53% | 42.25% | 30.38% |
| Profit Margin | 6.15% | 7.14% | 13.47% | 17.46% | 28.37% | 28.60% |
| Free Cash Flow Margin | -1.87% | 17.12% | 3.52% | -194.66% | -14.98% | 244.61% |
| Effective Tax Rate | 56.00% | 57.75% | 47.78% | 30.13% | 23.43% | 16.95% |
| Revenue as Reported | 4.37B | 4.51B | 4.26B | 4.31B | 5.42B |
Balance sheet
Fiscal year January - December; amounts in BDT.
| TTM | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 11.60B | 781.29M | 916.09M | 594.96M | 715.93M | 8.49B |
| Long-Term Investments | 10.42B | 5.10B | 5.49B | 4.68B | 4.00B | 3.42B |
| Trading Asset Securities | 5.43B | 5.43B | 4.17B | 3.78B | 2.84B | |
| Loans & Lease Receivables | 64.08B | 63.51B | 65.35B | 65.09B | 62.89B | 58.47B |
| Other Receivables | 157.23M | 1.88B | 489.21M | 577.76M | 350.50M | |
| Property, Plant & Equipment | 1.08B | 1.17B | 1.35B | 1.19B | 2.42B | 2.41B |
| Goodwill | 234.14M | |||||
| Other Intangible Assets | 130.87M | 146.33M | 202.88M | 174.55M | 137.70M | |
| Other Current Assets | 13.87B | 13.88B | 12.83B | 14.33B | 5.43B | |
| Long-Term Deferred Tax Assets | 22.89M | 22.75M | 21.90M | 22.56M | 22.86M | |
| Other Long-Term Assets | 4.78B | 345.96M | 350.95M | 1.46B | -1.00 | |
| Total Assets | 91.96B | 90.57B | 94.86B | 90.77B | 88.93B | 81.84B |
| Interest Bearing Deposits | 44.63B | 41.87B | 42.22B | 42.91B | 47.68B | 47.13B |
| Total Deposits | 44.63B | 41.87B | 42.22B | 42.91B | 47.68B | 47.13B |
| Accounts Payable | 45.47M | 85.78M | 57.58M | 42.22M | 42.74M | |
| Accrued Expenses | 2.90B | 2.93B | 2.27B | 2.29B | 2.24B | |
| Short-Term Debt | 8.08B | 7.97B | 5.52B | 5.04B | 6.70B | |
| Long-Term Debt | 22.62B | 16.13B | 19.64B | 19.75B | 13.13B | 7.81B |
| Long-Term Leases | 144.03M | 231.98M | 319.49M | 334.68M | 308.13M | |
| Current Income Taxes Payable | 2.72B | 2.31B | 1.96B | 1.76B | 1.37B | |
| Other Current Liabilities | 282.91M | 214.02M | 1.82B | 3.20B | 1.93B | |
| Long-Term Deferred Tax Liabilities | 8.42M | 23.29M | 20.52M | 18.65M | 15.42M | |
| Pension & Post-Retirement Benefits | 87.19M | 60.78M | 66.25M | 44.70M | 77.06M | |
| Other Long-Term Liabilities | 13.71B | 7.62B | 8.21B | 5.08B | 4.52B | 3.99B |
| Total Liabilities | 80.96B | 79.88B | 83.90B | 79.77B | 78.05B | 71.61B |
| Common Stock | 5.39B | 5.39B | 5.39B | 5.39B | 5.39B | 5.39B |
| Additional Paid-In Capital | 1.09B | 1.09B | 1.09B | 1.09B | 1.09B | 1.09B |
| Retained Earnings | 3.57B | 3.28B | 3.55B | 4.22B | 4.19B | 3.57B |
| Comprehensive Income & Other | 115.14M | 115.14M | 106.01M | 86.09M | 13.96M | |
| Total Common Equity | 10.17B | 9.87B | 10.14B | 10.79B | 10.68B | 10.05B |
| Minority Interest | 835.45M | 819.21M | 812.68M | 208.34M | 195.22M | 177.13M |
| Shareholders' Equity | 11.00B | 10.69B | 10.95B | 11.00B | 10.87B | 10.22B |
| Total Liabilities & Equity | 91.96B | 90.57B | 94.86B | 90.77B | 88.93B | 81.84B |
| Total Debt | 22.62B | 24.35B | 27.84B | 25.59B | 18.50B | 14.82B |
| Net Cash (Debt) | -11.02B | -18.14B | -21.50B | -20.82B | -14.00B | -3.48B |
| Net Cash Per Share | -20.22 | -33.67 | -39.90 | -38.64 | -25.99 | -6.46 |
| Filing Date Shares Outstanding | 538.84M | 538.84M | 538.84M | 538.84M | 538.84M | 538.84M |
| Total Common Shares Outstanding | 538.84M | 538.84M | 538.84M | 538.84M | 538.84M | 538.84M |
| Working Capital | 31.05B | 27.91B | 31.76B | 28.67B | 22.31B | 16.21B |
| Book Value Per Share | 18.87 | 18.32 | 18.82 | 20.02 | 19.82 | 18.64 |
| Tangible Book Value | 10.17B | 9.74B | 9.99B | 10.58B | 10.50B | 9.67B |
| Tangible Book Value Per Share | 18.87 | 18.08 | 18.54 | 19.64 | 19.49 | 17.95 |
Cash flow statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | |
|---|---|---|---|---|---|---|
| Net Income | 208.30M | 273.56M | 377.51M | 649.81M | 1.28B | 974.09M |
| Depreciation & Amortization | 328.90M | 328.90M | 250.01M | 226.77M | 241.62M | 291.40M |
| Other Amortization | 54.47M | 54.47M | 63.31M | 60.81M | 49.45M | 53.36M |
| Asset Writedown & Restructuring Costs | 234.14M | |||||
| Provision for Credit Losses | 905.67M | 905.67M | 813.25M | 696.10M | 841.85M | 151.03M |
| Change in Other Net Operating Assets | -803.09M | -139.36M | -81.26M | -8.21B | -3.17B | 7.03B |
| Other Operating Activities | -653.46M | -523.88M | -119.87M | -202.80M | 54.47M | 6.49M |
| Operating Cash Flow | 37.93M | 896.49M | 653.25M | -6.78B | -475.86M | 8.51B |
| Capital Expenditures | -101.33M | -240.80M | -554.71M | -460.44M | -200.44M | -175.74M |
| Sale of Property, Plant & Equipment | 31.87M | 1.74B | 664.90M | 14.36M | 34.94M | 90.48M |
| Cash Acquisitions | -116.05K | 185.33M | -500.00K | -2.50M | ||
| Investment in Securities | 651.82M | 474.25M | -2.06B | -1.06B | -1.51B | -843.56M |
| Other Investing Activities | 261.18M | 261.18M | 116.53M | -1.00 | 1.00 | -1.00 |
| Investing Cash Flow | 843.43M | 2.23B | -1.65B | -1.50B | -1.68B | -928.82M |
| Long-Term Debt Issued | 2.54B | 6.90B | 3.66B | |||
| Long-Term Debt Repaid | -3.43B | -108.06M | -116.42M | -145.14M | -4.03B | |
| Lease Payments | 56.77M | -26.14M | -108.06M | -116.42M | -145.14M | -236.79M |
| Net Debt Issued (Repaid) | -278.48M | -3.43B | 2.43B | 6.79B | 3.51B | -4.03B |
| Common Dividends Paid | -531.88M | -534.23M | -580.49M | -533.32M | -658.47M | -418.15M |
| Other Financing Activities | -1.00 | -1.00 | -3.00M | |||
| Financing Cash Flow | -810.36M | -3.96B | 1.85B | 6.25B | 2.85B | -4.45B |
| Foreign Exchange Rate Adjustments | 5.70K | 12.72K | 15.24K | 18.85K | 778.00 | 1.60K |
| Net Cash Flow | 71.01M | -832.03M | 857.48M | -2.03B | 694.02M | 3.13B |
| Free Cash Flow | -63.40M | 655.69M | 98.53M | -7.25B | -676.31M | 8.33B |
| Free Cash Flow Margin | -1.87% | 17.12% | 3.52% | -194.66% | -14.98% | 244.61% |
| Free Cash Flow Per Share | -0.12 | 1.22 | 0.18 | -13.45 | -1.25 | 15.46 |
| Free Cash Flow After Leases | -6.63M | 629.55M | -9.53M | -7.36B | -821.45M | 8.09B |
| Cash Interest Paid | 7.07B | 6.69B | 5.07B | 4.83B | 4.89B | 6.14B |
| Cash Income Tax Paid | 361.92M | 588.53M | 374.54M | 480.23M | 369.97M | 174.84M |
Ratios
Fiscal year January - December; amounts in BDT.
| TTM | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 7.06B | 10.02B | 14.01B | 14.01B | 20.10B | 16.92B |
| PE Ratio | 34.27 | 36.64 | 37.11 | 21.56 | 15.70 | 17.37 |
| PS Ratio | 2.08 | 2.62 | 5.00 | 3.76 | 4.45 | 4.97 |
| PB Ratio | 0.64 | 0.94 | 1.28 | 1.27 | 1.85 | 1.66 |
| P/FCF Ratio | 15.29 | 142.19 | 2.03 | |||
| P/OCF Ratio | 186.09 | 11.18 | 21.45 | 1.99 | ||
| Debt / Equity Ratio | 2.06 | 2.28 | 2.54 | 2.33 | 1.70 | 1.45 |
| Debt / FCF Ratio | 37.14 | 282.56 | 1.78 | |||
| Net Debt / Equity Ratio | 1.00 | 1.70 | 1.96 | 1.89 | 1.29 | 0.34 |
| Net Debt / FCF Ratio | -173.82 | 27.67 | 218.19 | -2.87 | -20.71 | 0.42 |
| Quick Ratio | 1.70 | 1.25 | 1.32 | 1.29 | 1.13 | 1.18 |
| Current Ratio | 1.70 | 1.50 | 1.57 | 1.53 | 1.37 | 1.27 |
| Asset Turnover | 0.04 | 0.04 | 0.03 | 0.04 | 0.05 | 0.04 |
| Return on Equity (ROE) | 2.07% | 2.67% | 3.58% | 6.05% | 12.38% | 9.84% |
| Return on Assets (ROA) | 0.25% | 0.31% | 0.42% | 0.74% | 1.53% | 1.18% |
| Return on Invested Capital (ROIC) | 0.76% | 1.11% | 0.21% | 2.33% | 5.37% | 3.22% |
| Earnings Yield | 2.92% | 2.73% | 2.70% | 4.64% | 6.37% | 5.76% |
| FCF Yield | -0.90% | 6.54% | 0.70% | -51.72% | -3.36% | 49.23% |
| Dividend Yield | 3.85% | 3.85% | 2.68% | 3.82% | ||
| Payout Ratio | 255.34% | 195.29% | 153.77% | 82.07% | 51.42% | 42.93% |
| Total Shareholder Return | -0.71% | 3.85% | 3.85% | 2.68% | 3.82% |