DSE : ONEBANKPLC
One Bank PLC — Financial statements
Commercial Banks · Bangladesh
Last price 7 BDT (At close: Oct 29, 2026) · Market cap 7.46B
Latest research: ONE Bank financial analysis: 19.6% NPL, Tk3,903 crore provision deferral and CRAR below 12.5% (Oct 2026) · ONE Bank: a 19.6% NPL bank whose Tk3,903 crore deferred provision is larger than its equity, with net interest income down to 0.9% of earning assets
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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 | 25.34B | 25.07B | 24.42B | 18.88B | 16.19B | 16.00B |
| Interest Paid on Deposits | 23.16B | 22.50B | 18.28B | 14.31B | 11.92B | 11.85B |
| Net Interest Income | 2.18B | 2.57B | 6.14B | 4.57B | 4.28B | 4.15B |
| Gain (Loss) on Sale of Assets | 3.06M | 359.57K | ||||
| Gain (Loss) on Sale of Investments | -216.29M | -207.78M | -116.92M | -32.06M | 257.81M | 306.94M |
| Other Non-Interest Income | 8.81B | 9.42B | 8.75B | 5.91B | 5.96B | 4.14B |
| Total Non-Interest Income | 8.60B | 9.21B | 8.63B | 5.88B | 6.22B | 4.45B |
| Revenues Before Loan Losses | 10.78B | 11.78B | 14.78B | 10.45B | 10.50B | 8.60B |
| Provision for Loan Losses | 5.42B | 6.26B | 7.14B | 2.04B | 2.15B | 2.00B |
| Revenue | 5.36B | 5.52B | 7.64B | 8.41B | 8.34B | 6.59B |
| Salaries and Employee Benefits | 4.59B | 4.46B | 4.29B | 4.22B | 3.50B | 2.99B |
| Occupancy Expenses | 1.41B | 1.36B | 1.34B | 1.21B | 1.28B | 1.07B |
| Selling, General & Administrative | 355.28M | 354.41M | 343.94M | 383.31M | 379.62M | 475.24M |
| Other Non-Interest Expense | 1.06B | 1.06B | 987.87M | 985.43M | 934.95M | 452.71M |
| Total Non-Interest Expense | 7.42B | 7.23B | 6.96B | 6.80B | 6.10B | 4.99B |
| EBT Excluding Unusual Items | -2.06B | -1.72B | 680.59M | 1.61B | 2.25B | 1.61B |
| Pretax Income | -2.06B | -1.72B | 680.59M | 1.61B | 2.25B | 1.61B |
| Income Tax Expense | -2.29B | -2.02B | -643.27M | 444.46M | 687.49M | 761.11M |
| Earnings From Continuing Operations | 227.14M | 297.54M | 1.32B | 1.17B | 1.56B | 845.19M |
| Minority Interest in Earnings | -2.43M | -1.25M | -845.01K | -436.57K | -1.86M | -1.07M |
| Net Income | 224.71M | 296.28M | 1.32B | 1.17B | 1.56B | 844.12M |
| Net Income to Common | 224.71M | 296.28M | 1.32B | 1.17B | 1.56B | 844.12M |
| Basic Shares Outstanding | 1.07B | 1.07B | 1.07B | 1.07B | 1.07B | 1.07B |
| Diluted Shares Outstanding | 1.07B | 1.07B | 1.07B | 1.07B | 1.07B | 1.07B |
| EPS (Basic) | 0.21 | 0.28 | 1.24 | 1.09 | 1.46 | 0.79 |
| EPS (Diluted) | 0.21 | 0.28 | 1.24 | 1.09 | 1.46 | 0.79 |
| Dividend Per Share | 0.34 | |||||
| Effective Tax Rate | 27.61% | 30.61% | 47.38% |
Balance sheet
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 19.20B | 13.53B | 21.17B | 13.48B | 16.10B | 15.42B |
| Investment Securities | 71.95B | 14.17B | 15.02B | 11.53B | 10.35B | 8.90B |
| Total Investments | 71.95B | 14.17B | 15.02B | 11.53B | 10.35B | 8.90B |
| Gross Loans | 245.36B | 242.17B | 221.09B | 224.53B | 225.87B | 222.85B |
| Net Loans | 245.36B | 242.17B | 221.09B | 224.53B | 225.87B | 222.85B |
| Property, Plant & Equipment | 4.28B | 3.87B | 4.23B | 3.67B | 3.60B | 3.69B |
| Other Intangible Assets | 87.58M | 73.54M | 31.68M | 29.86M | 186.08K | |
| Accrued Interest Receivable | 1.14B | 1.09B | 861.58M | 665.91M | 644.29M | |
| Other Receivables | 329.51M | 382.50M | 476.23M | 411.22M | 218.42M | |
| Restricted Cash | 16.33B | 18.54B | 15.86B | 17.27B | 17.10B | 15.52B |
| Other Current Assets | 16.72B | 13.43B | 16.43B | 14.44B | 13.23B | |
| Long-Term Deferred Tax Assets | 7.97B | 5.35B | 3.91B | 94.58M | 84.60M | |
| Other Long-Term Assets | 23.91B | 42.01B | 40.96B | 29.77B | 26.44B | 29.87B |
| Total Assets | 381.02B | 360.53B | 338.65B | 321.96B | 315.09B | 310.64B |
| Accrued Expenses | 9.57M | 9.57M | 9.57M | 1.22B | 813.60M | |
| Interest Bearing Deposits | 250.89B | 250.07B | 230.14B | 221.81B | 204.97B | 209.30B |
| Non-Interest Bearing Deposits | 35.47B | 20.20B | 17.48B | 17.36B | 17.18B | 17.57B |
| Total Deposits | 286.36B | 270.26B | 247.62B | 239.16B | 222.15B | 226.87B |
| Short-Term Borrowings | 1.10B | 1.77B | 1.68B | 3.16B | 2.49B | |
| Current Portion of Long-Term Debt | 7.47B | 11.50B | 6.83B | 13.44B | 11.89B | |
| Current Income Taxes Payable | 9.92B | 9.36B | 8.69B | 8.48B | 7.65B | |
| Accrued Interest Payable | 357.04M | 384.12M | 247.43M | 157.20M | 158.93M | |
| Other Current Liabilities | 2.00B | 2.83B | 3.45B | 2.26B | 3.62B | 3.67B |
| Long-Term Debt | 25.11B | 12.89B | 11.25B | 14.54B | 16.74B | 14.62B |
| Long-Term Leases | 1.81B | 1.86B | 1.32B | 1.17B | 1.38B | |
| Pension & Post-Retirement Benefits | 74.70M | |||||
| Long-Term Deferred Tax Liabilities | 544.78M | 521.71M | 427.65M | 123.05M | 165.38M | |
| Other Long-Term Liabilities | 43.01B | 29.37B | 26.84B | 23.62B | 25.94B | 23.18B |
| Total Liabilities | 356.48B | 336.56B | 314.57B | 298.80B | 296.27B | 292.89B |
| Common Stock | 10.66B | 10.66B | 10.66B | 10.30B | 9.81B | 9.34B |
| Retained Earnings | 13.28B | 12.67B | 12.78B | 12.56B | 8.64B | 7.96B |
| Comprehensive Income & Other | 562.15M | 613.99M | 607.22M | 274.44M | 338.44M | 412.78M |
| Total Common Equity | 24.50B | 23.94B | 24.04B | 23.13B | 18.78B | 17.71B |
| Minority Interest | 39.38M | 37.66M | 36.40M | 35.23M | 34.79M | 32.93M |
| Shareholders' Equity | 24.54B | 23.98B | 24.08B | 23.17B | 18.82B | 17.75B |
| Total Liabilities & Equity | 381.02B | 360.53B | 338.65B | 321.96B | 315.09B | 310.64B |
| Total Debt | 25.11B | 23.26B | 26.39B | 24.37B | 34.51B | 30.38B |
| Net Cash (Debt) | -5.91B | -9.74B | -5.22B | -10.89B | -18.41B | -14.96B |
| Net Cash Per Share | -5.55 | -9.13 | -4.90 | -10.22 | -17.27 | -14.04 |
| Filing Date Shares Outstanding | 1.07B | 1.07B | 1.07B | 1.07B | 1.07B | 1.07B |
| Total Common Shares Outstanding | 1.07B | 1.07B | 1.07B | 1.07B | 1.07B | 1.07B |
| Book Value Per Share | 22.99 | 22.46 | 22.56 | 21.71 | 17.62 | 16.62 |
| Tangible Book Value | 24.50B | 23.85B | 23.97B | 23.10B | 18.75B | 17.71B |
| Tangible Book Value Per Share | 22.99 | 22.38 | 22.49 | 21.68 | 17.60 | 16.62 |
Cash flow statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 224.71M | 296.28M | 1.32B | 1.17B | 1.56B | 844.12M |
| Depreciation & Amortization | 883.05M | 900.31M | 879.63M | 821.33M | 714.93M | 616.75M |
| Change in Trading Asset Securities | -10.90B | 2.24B | -10.27B | -4.60B | -844.01M | 920.08M |
| Change in Other Net Operating Assets | -14.54B | -19.84B | 2.50B | -3.65B | 135.79M | -229.07M |
| Other Operating Activities | 3.16B | -1.28B | 2.32B | 3.88B | 1.63B | -911.51M |
| Operating Cash Flow | -21.17B | -17.69B | -3.25B | -2.39B | 3.19B | 1.24B |
| Capital Expenditures | -465.88M | -422.51M | -519.51M | -310.22M | -384.15M | -293.99M |
| Sale of Property, Plant and Equipment | 467.00K | 2.74M | 10.63M | 15.47M | 10.19M | 5.78M |
| Investment in Securities | -6.07B | -5.50B | -494.16M | -3.07B | -152.07M | -9.19B |
| Investing Cash Flow | -6.54B | -5.92B | -1.00B | -3.37B | -526.02M | -9.47B |
| Common Dividends Paid | -311.18M | -492.82M | ||||
| Net Increase (Decrease) in Deposit Accounts | 24.07B | 18.47B | 10.54B | 3.11B | -1.49B | 3.04B |
| Financing Cash Flow | 24.07B | 18.47B | 10.23B | 3.11B | -1.49B | 2.55B |
| Foreign Exchange Rate Adjustments | -90.26M | 173.74M | 301.97M | 205.18M | 1.08B | 59.16M |
| Net Cash Flow | -3.73B | -4.97B | 6.28B | -2.44B | 2.26B | -5.63B |
| Free Cash Flow | -21.64B | -18.12B | -3.77B | -2.70B | 2.81B | 946.38M |
| Free Cash Flow Margin | -403.98% | -328.34% | -49.32% | -32.10% | 33.67% | 14.35% |
| Free Cash Flow Per Share | -20.30 | -17.00 | -3.54 | -2.53 | 2.64 | 0.89 |
| Cash Interest Paid | 23.55B | 22.35B | 18.02B | 14.19B | 12.01B | 11.94B |
| Cash Income Tax Paid | 902.50M | 720.13M | 498.03M | 440.99M | 759.84M | 1.19B |
Ratios
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 7.46B | 7.46B | 9.06B | 9.78B | 10.00B | 12.89B |
| Last Close Price | 7.00 | 7.00 | 8.50 | 8.76 | 8.96 | 11.54 |
| PE Ratio | 33.20 | 25.18 | 6.85 | 8.40 | 6.43 | 15.27 |
| PS Ratio | 1.39 | 1.35 | 1.19 | 1.16 | 1.20 | 1.96 |
| PB Ratio | 0.30 | 0.31 | 0.38 | 0.42 | 0.53 | 0.73 |
| P/FCF Ratio | 3.56 | 13.62 | ||||
| P/OCF Ratio | 3.13 | 10.39 | ||||
| Debt / Equity Ratio | 1.02 | 0.97 | 1.10 | 1.05 | 1.83 | 1.71 |
| Debt / FCF Ratio | 12.28 | 32.10 | ||||
| Net Debt / Equity Ratio | 0.24 | 0.41 | 0.22 | 0.47 | 0.98 | 0.84 |
| Net Debt / FCF Ratio | -0.27 | -0.54 | -1.39 | -4.04 | 6.55 | 15.81 |
| Return on Equity (ROE) | 0.92% | 1.24% | 5.60% | 5.55% | 8.53% | 4.78% |
| Return on Assets (ROA) | 0.06% | 0.08% | 0.40% | 0.37% | 0.50% | 0.27% |
| Earnings Yield | 3.01% | 3.97% | 14.60% | 11.91% | 15.56% | 6.55% |
| FCF Yield | -290.03% | -242.81% | -41.59% | -27.60% | 28.09% | 7.34% |
| Dividend Yield | 3.69% | |||||
| Payout Ratio | 23.52% | 58.38% | ||||
| Buyback Yield / Dilution | 0.00% | 0.00% | ||||
| Total Shareholder Return | 3.69% |