DSE : PREMIERBAN
The Premier Bank PLC. — Financial statements
Commercial Banks · Bangladesh
Last price 5.4 BDT (At close: Oct 29, 2026) · Market cap 6.66B
Latest research: The Premier Bank (PREMIERBAN) financial analysis: 31% NPL, Tk9,799 crore provision shortfall, CRAR 5.70% (Oct 2026) · Premier Bank: NPLs at 31% of loans, Tk9,799 crore of provisions left out under a Bangladesh Bank letter, CRAR 5.70% and losses in five straight quarters
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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 | 21.93B | 23.86B | 28.48B | 20.82B | 19.75B | 18.06B |
| Interest Paid on Deposits | 30.11B | 29.81B | 23.47B | 16.68B | 14.87B | 13.16B |
| Net Interest Income | -8.18B | -5.95B | 5.01B | 4.14B | 4.88B | 4.90B |
| Gain (Loss) on Sale of Investments | 27.50M | -903.20M | -11.39M | -264.29M | 51.96M | |
| Other Non-Interest Income | 6.57B | 7.32B | 11.18B | 13.42B | 13.59B | 10.05B |
| Total Non-Interest Income | 6.60B | 7.32B | 10.28B | 13.41B | 13.32B | 10.11B |
| Revenues Before Loan Losses | -1.58B | 1.37B | 15.29B | 17.55B | 18.21B | 15.00B |
| Provision for Loan Losses | 400.00M | 1.00B | 4.69B | 1.92B | 2.62B | 1.67B |
| Revenue | -1.98B | 370.13M | 10.60B | 15.62B | 15.59B | 13.33B |
| Salaries and Employee Benefits | 3.76B | 3.92B | 3.83B | 3.77B | 3.07B | 2.73B |
| Occupancy Expenses | 2.62B | 2.46B | 2.90B | 2.49B | 2.31B | 2.16B |
| Selling, General & Administrative | 425.20M | 1.12B | 533.20M | 1.21B | 2.06B | 884.21M |
| Other Non-Interest Expense | 2.86B | 2.76B | 1.97B | 3.07B | 2.05B | 2.05B |
| Total Non-Interest Expense | 9.66B | 10.26B | 9.24B | 10.54B | 9.49B | 7.83B |
| EBT Excluding Unusual Items | -11.64B | -9.89B | 1.36B | 5.08B | 6.10B | 5.50B |
| Pretax Income | -11.64B | -9.89B | 1.36B | 5.08B | 6.10B | 5.50B |
| Income Tax Expense | 808.94M | 34.38M | 18.15M | 927.19M | 2.17B | 2.22B |
| Earnings From Continuing Operations | -12.45B | -9.93B | 1.34B | 4.15B | 3.93B | 3.28B |
| Minority Interest in Earnings | 948.00 | 1.12K | 904.00 | 1.53K | 840.00 | -94.00 |
| Net Income | -12.45B | -9.93B | 1.34B | 4.15B | 3.93B | 3.28B |
| Net Income to Common | -12.45B | -9.93B | 1.34B | 4.15B | 3.93B | 3.28B |
| Basic Shares Outstanding | 1.23B | 1.23B | 1.23B | 1.23B | 1.23B | 1.23B |
| Diluted Shares Outstanding | 1.23B | 1.23B | 1.23B | 1.23B | 1.23B | 1.23B |
| EPS (Basic) | -10.09 | -8.05 | 1.09 | 3.37 | 3.18 | 2.66 |
| EPS (Diluted) | -10.09 | -8.05 | 1.09 | 3.37 | 3.18 | 2.66 |
| Dividend Per Share | 1.25 | 1.16 | 1.06 | |||
| Effective Tax Rate | 1.33% | 18.25% | 35.63% | 40.33% |
Balance sheet
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 25.15B | 12.62B | 53.38B | 59.17B | 64.01B | 57.32B |
| Investment Securities | 13.87B | 13.79B | 14.46B | 14.37B | 14.08B | 10.54B |
| Total Investments | 13.87B | 13.79B | 14.46B | 14.37B | 14.08B | 10.54B |
| Gross Loans | 337.83B | 336.32B | 331.31B | 291.34B | 266.68B | 251.99B |
| Net Loans | 337.83B | 336.32B | 331.31B | 291.34B | 266.68B | 251.99B |
| Property, Plant & Equipment | 4.45B | 4.63B | 4.88B | 4.93B | 3.31B | 3.34B |
| Other Receivables | 7.87B | 7.26B | 7.02B | 4.93B | 4.27B | |
| Restricted Cash | 17.56B | 18.33B | 13.33B | 13.33B | 15.08B | 11.44B |
| Other Current Assets | 10.42B | 10.49B | 8.17B | 6.56B | 8.55B | |
| Long-Term Deferred Tax Assets | 4.88B | 4.59B | 2.73B | 1.46B | 1.26B | |
| Other Long-Term Assets | 53.25B | 14.96B | 10.28B | 13.91B | 9.43B | 8.72B |
| Total Assets | 452.11B | 423.82B | 449.98B | 414.97B | 385.54B | 357.43B |
| Accrued Expenses | 291.07K | 143.51K | 85.75K | 50.41K | 30.99K | |
| Interest Bearing Deposits | 158.14B | 174.62B | 182.05B | 177.25B | 164.54B | 162.67B |
| Non-Interest Bearing Deposits | 132.63B | 144.83B | 155.46B | 134.80B | 124.66B | 102.40B |
| Total Deposits | 290.77B | 319.45B | 337.51B | 312.06B | 289.20B | 265.07B |
| Short-Term Borrowings | 882.50M | 882.50M | 882.50M | |||
| Current Portion of Long-Term Debt | 15.86B | 18.55B | 24.67B | 22.73B | ||
| Current Income Taxes Payable | 454.00M | 1.89B | 2.51B | 2.35B | 2.04B | |
| Other Current Liabilities | 8.07B | 10.29B | 10.25B | 4.98B | 7.35B | 4.04B |
| Long-Term Debt | 69.86B | 9.21B | 12.83B | 15.22B | 18.87B | 46.73B |
| Long-Term Leases | 1.05B | 1.12B | 1.19B | 125.66M | 316.65M | |
| Long-Term Unearned Revenue | 32.16K | 32.16K | 492.61K | 32.16K | 32.16K | |
| Pension & Post-Retirement Benefits | 1.99B | 1.99B | 1.75B | 1.18B | 876.40M | |
| Other Long-Term Liabilities | 70.54B | 47.86B | 38.14B | 24.48B | 18.90B | 15.99B |
| Total Liabilities | 439.23B | 407.05B | 423.18B | 387.74B | 360.71B | 335.06B |
| Common Stock | 12.33B | 12.33B | 12.33B | 12.33B | 11.47B | 10.43B |
| Retained Earnings | 445.01M | 4.33B | 14.36B | 14.77B | 13.16B | 11.82B |
| Comprehensive Income & Other | 100.69M | 100.69M | 111.42M | 120.68M | 204.31M | 114.55M |
| Total Common Equity | 12.88B | 16.77B | 26.80B | 27.23B | 24.83B | 22.36B |
| Minority Interest | 20.14K | 20.63K | 21.75K | 22.66K | 24.18K | 25.02K |
| Shareholders' Equity | 12.88B | 16.77B | 26.80B | 27.23B | 24.83B | 22.36B |
| Total Liabilities & Equity | 452.11B | 423.82B | 449.98B | 414.97B | 385.54B | 357.43B |
| Total Debt | 69.86B | 27.00B | 33.38B | 41.97B | 41.73B | 47.04B |
| Net Cash (Debt) | -44.71B | -14.38B | 20.00B | 17.20B | 22.28B | 10.28B |
| Net Cash Per Share | -36.25 | -11.66 | 16.21 | 13.95 | 18.06 | 8.34 |
| Filing Date Shares Outstanding | 1.23B | 1.23B | 1.23B | 1.23B | 1.23B | 1.23B |
| Total Common Shares Outstanding | 1.23B | 1.23B | 1.23B | 1.23B | 1.23B | 1.23B |
| Book Value Per Share | 10.44 | 13.59 | 21.73 | 22.08 | 20.13 | 18.13 |
| Tangible Book Value | 12.88B | 16.77B | 26.80B | 27.23B | 24.83B | 22.36B |
| Tangible Book Value Per Share | 10.44 | 13.59 | 21.73 | 22.08 | 20.13 | 18.13 |
Cash flow statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | -12.45B | -9.93B | 1.34B | 4.15B | 3.93B | 3.28B |
| Depreciation & Amortization | 516.59M | 511.15M | 489.62M | 564.81M | 526.22M | 531.99M |
| Gain (Loss) on Sale of Investments | 903.20M | 11.39M | 264.29M | -51.96M | ||
| Provision for Credit Losses | 1.04B | 1.04B | 4.83B | 1.94B | 2.63B | 1.67B |
| Change in Other Net Operating Assets | 55.70B | -1.73B | -39.71B | -29.17B | -21.98B | -33.09B |
| Other Operating Activities | -824.90M | -6.53B | -3.08B | -3.78B | -5.16B | -2.45B |
| Operating Cash Flow | 43.99B | -16.62B | -35.22B | -26.29B | -19.79B | -30.11B |
| Capital Expenditures | -158.99M | -268.14M | -439.99M | -296.47M | -501.66M | -662.76M |
| Investment in Securities | 517.65M | 658.89M | -100.46M | -332.15M | -3.51B | -3.25B |
| Investing Cash Flow | 358.66M | 390.75M | -540.45M | -628.62M | -4.02B | -3.91B |
| Long-Term Debt Issued | 1.68B | 2.00B | ||||
| Long-Term Debt Repaid | -950.00M | -550.00M | -3.17B | |||
| Net Debt Issued (Repaid) | -950.00M | -950.00M | -550.00M | -3.17B | 1.68B | 2.00B |
| Common Dividends Paid | -100.00M | -1.74B | -1.63B | -1.50B | -1.21B | |
| Net Increase (Decrease) in Deposit Accounts | -57.86B | -18.69B | 29.61B | 20.25B | 27.45B | 27.52B |
| Financing Cash Flow | -58.81B | -19.74B | 27.31B | 15.45B | 27.62B | 28.30B |
| Foreign Exchange Rate Adjustments | 459.16M | 207.10M | 2.66B | 4.87B | 6.51B | 2.12B |
| Net Cash Flow | -14.00B | -35.77B | -5.79B | -6.60B | 10.33B | -3.60B |
| Free Cash Flow | 43.83B | -16.89B | -35.66B | -26.58B | -20.29B | -30.77B |
| Free Cash Flow Margin | -4,563.70% | -336.47% | -170.14% | -130.18% | -230.83% | |
| Free Cash Flow Per Share | 35.53 | -13.70 | -28.91 | -21.55 | -16.45 | -24.95 |
| Cash Interest Paid | 30.42B | 29.35B | 22.27B | 16.56B | 14.70B | 13.60B |
| Cash Income Tax Paid | 760.58M | 1.72B | 2.29B | 2.49B | 2.04B | 2.10B |
Ratios
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 6.66B | 4.93B | 10.98B | 16.28B | 15.26B | 15.54B |
| Last Close Price | 5.40 | 4.00 | 8.90 | 11.80 | 10.09 | 9.48 |
| PE Ratio | 8.18 | 3.92 | 3.89 | 4.74 | ||
| PS Ratio | 13.33 | 1.04 | 1.04 | 0.98 | 1.17 | |
| PB Ratio | 0.60 | 0.29 | 0.41 | 0.60 | 0.61 | 0.69 |
| Debt / Equity Ratio | 5.42 | 1.61 | 1.25 | 1.54 | 1.68 | 2.10 |
| Debt / FCF Ratio | 1.59 | |||||
| Net Debt / Equity Ratio | 3.47 | 0.86 | -0.75 | -0.63 | -0.90 | -0.46 |
| Net Debt / FCF Ratio | 1.02 | -0.85 | 0.56 | 0.65 | 1.10 | 0.33 |
| Return on Equity (ROE) | -65.16% | -45.56% | 4.97% | 15.96% | 16.64% | 15.34% |
| Return on Assets (ROA) | -2.73% | -2.27% | 0.31% | 1.04% | 1.06% | 0.97% |
| Earnings Yield | -131.05% | -201.19% | 12.22% | 25.52% | 25.73% | 21.11% |
| FCF Yield | 803.68% | -342.37% | -324.88% | -163.27% | -132.96% | -198.00% |
| Dividend Yield | 9.47% | 9.40% | 8.39% | |||
| Payout Ratio | 129.83% | 39.33% | 38.30% | 36.97% | ||
| Buyback Yield / Dilution | 0.00% | 0.00% | ||||
| Total Shareholder Return | 9.47% | 9.40% | 8.39% |