DSE : PRIMEBANK
Prime Bank PLC. — Financial statements
Commercial Banks · Bangladesh
Last price 29.4 BDT (At close: Oct 29, 2026) · Market cap 35.83B
Latest research: Prime Bank valuation report: fair value BDT 7.4–38.6 (Oct 2026) · Prime Bank: bonds earn 34% of gross income and falling yields set value; fair value BDT 7–39
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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 | 33.66B | 33.51B | 31.50B | 24.24B | 18.39B | 14.88B |
| Interest Paid on Deposits | 31.72B | 29.35B | 22.02B | 14.95B | 9.88B | 6.79B |
| Net Interest Income | 1.94B | 4.16B | 9.48B | 9.29B | 8.51B | 8.09B |
| Gain (Loss) on Sale of Assets | 2.21M | -3.95M | ||||
| Gain (Loss) on Sale of Investments | -208.66M | -399.28M | -306.03M | -183.55M | -39.43M | 43.12M |
| Other Non-Interest Income | 25.91B | 22.36B | 14.94B | 8.79B | 8.56B | 7.66B |
| Total Non-Interest Income | 25.70B | 21.96B | 14.64B | 8.60B | 8.52B | 7.71B |
| Revenues Before Loan Losses | 27.64B | 26.12B | 24.12B | 17.90B | 17.03B | 15.80B |
| Provision for Loan Losses | 1.47B | 1.37B | 1.25B | 2.23B | 2.66B | 2.09B |
| Revenue | 26.18B | 24.76B | 22.87B | 15.67B | 14.37B | 13.70B |
| Salaries and Employee Benefits | 6.98B | 6.51B | 5.81B | 5.13B | 4.71B | 4.29B |
| Occupancy Expenses | 1.82B | 1.81B | 1.70B | 1.56B | 1.38B | 1.43B |
| Selling, General & Administrative | 936.82M | 932.99M | 655.66M | 439.80M | 438.63M | 386.35M |
| Other Non-Interest Expense | 2.38B | 2.44B | 2.72B | 1.82B | 1.56B | 1.82B |
| Total Non-Interest Expense | 12.12B | 11.70B | 10.88B | 8.95B | 8.09B | 7.92B |
| EBT Excluding Unusual Items | 14.06B | 13.06B | 11.99B | 6.71B | 6.28B | 5.79B |
| Asset Writedown | 62.30K | -32.02M | ||||
| Pretax Income | 14.06B | 13.06B | 11.99B | 6.71B | 6.24B | 5.79B |
| Income Tax Expense | 4.72B | 3.96B | 4.67B | 1.90B | 2.25B | 2.54B |
| Earnings From Continuing Operations | 9.33B | 9.10B | 7.32B | 4.82B | 3.99B | 3.25B |
| Minority Interest in Earnings | -5.00 | -4.00 | -3.00 | -1.00 | 2.00 | 3.00 |
| Net Income | 9.33B | 9.10B | 7.32B | 4.82B | 3.99B | 3.25B |
| Net Income to Common | 9.33B | 9.10B | 7.32B | 4.82B | 3.99B | 3.25B |
| Basic Shares Outstanding | 1.22B | 1.22B | 1.22B | 1.22B | 1.22B | 1.22B |
| Diluted Shares Outstanding | 1.22B | 1.22B | 1.22B | 1.22B | 1.22B | 1.22B |
| EPS (Basic) | 7.66 | 7.47 | 6.01 | 3.95 | 3.28 | 2.67 |
| EPS (Diluted) | 7.66 | 7.47 | 6.01 | 3.95 | 3.28 | 2.67 |
| Dividend Per Share | 2.38 | 2.38 | 1.63 | 1.63 | 1.63 | 1.63 |
| Effective Tax Rate | 33.59% | 30.32% | 38.93% | 28.27% | 36.02% | 43.85% |
Balance sheet
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 10.03B | 7.74B | 4.48B | 13.60B | 5.48B | 12.41B |
| Investment Securities | 228.92B | 24.68B | 24.69B | 11.24B | 9.00B | 8.73B |
| Trading Asset Securities | 5.71B | |||||
| Total Investments | 228.92B | 24.68B | 24.69B | 11.24B | 14.72B | 8.73B |
| Gross Loans | 350.13B | 374.72B | 368.36B | 339.22B | 318.39B | 285.54B |
| Allowance for Loan Losses | -14.64B | -17.35B | -16.85B | -14.26B | -13.93B | |
| Other Adjustments to Gross Loans | -6.23B | -6.49B | -6.44B | -5.92B | -6.65B | |
| Net Loans | 350.13B | 353.86B | 344.51B | 315.93B | 298.21B | 264.97B |
| Property, Plant & Equipment | 8.07B | 7.56B | 7.02B | 6.72B | 8.84B | 8.12B |
| Other Intangible Assets | 235.46M | 180.55M | 129.55M | 180.47M | 174.48M | 273.02M |
| Accrued Interest Receivable | 6.90B | 6.37B | 4.77B | 3.27B | 2.45B | 1.95B |
| Other Receivables | 7.15M | 5.91M | 19.84M | 831.90M | 473.41M | |
| Restricted Cash | 19.39B | 45.67B | 29.17B | 20.77B | 17.47B | 15.85B |
| Other Current Assets | 24.80B | 93.14B | 67.90B | 34.61B | 33.35B | 33.84B |
| Long-Term Deferred Tax Assets | 3.96B | 4.01B | 4.01B | 3.48B | 2.80B | 1.99B |
| Other Real Estate Owned & Foreclosed | 164.85M | 164.85M | 220.50M | 220.50M | 220.50M | 220.50M |
| Other Long-Term Assets | 5.41B | 107.59B | 63.29B | 62.62B | 50.92B | 43.04B |
| Total Assets | 657.99B | 650.98B | 550.19B | 472.65B | 435.46B | 391.88B |
| Accrued Expenses | 1.23B | 1.68B | 1.40B | 760.48M | ||
| Interest Bearing Deposits | 368.50B | 358.68B | 280.08B | 224.68B | 200.06B | 190.47B |
| Non-Interest Bearing Deposits | 76.10B | 75.82B | 75.62B | 65.92B | 48.56B | 47.42B |
| Total Deposits | 444.60B | 434.50B | 355.70B | 290.59B | 248.62B | 237.89B |
| Short-Term Borrowings | 256.33M | |||||
| Current Portion of Long-Term Debt | 91.77B | 81.80B | 57.09B | |||
| Current Income Taxes Payable | 30.11B | 27.90B | 27.46B | 22.08B | ||
| Other Current Liabilities | 18.37B | 8.93B | 2.96B | 14.21B | 17.11B | 4.92B |
| Long-Term Debt | 86.27B | 10.92B | 10.03B | 81.33B | 77.72B | 5.84B |
| Long-Term Leases | 762.72M | 927.46M | 1.27B | 1.13B | 1.43B | 1.31B |
| Long-Term Unearned Revenue | 475.79M | 447.76M | 579.58M | 318.01M | ||
| Pension & Post-Retirement Benefits | 130.23M | 165.82M | ||||
| Long-Term Deferred Tax Liabilities | 390.72M | |||||
| Other Long-Term Liabilities | 28.62B | 27.34B | 29.78B | 28.37B | 58.41B | 55.09B |
| Total Liabilities | 610.42B | 604.56B | 511.41B | 439.18B | 403.29B | 362.14B |
| Common Stock | 12.19B | 11.61B | 11.32B | 11.32B | 11.32B | 11.32B |
| Additional Paid-In Capital | 1.21B | 1.21B | 1.21B | 1.21B | 1.21B | 1.21B |
| Retained Earnings | 32.74B | 32.46B | 25.70B | 20.70B | 17.85B | 15.60B |
| Comprehensive Income & Other | 1.43B | 1.14B | 554.94M | 244.37M | 1.78B | 1.61B |
| Total Common Equity | 47.56B | 46.42B | 38.78B | 33.48B | 32.17B | 29.74B |
| Minority Interest | 65.00 | 64.00 | 63.00 | 61.00 | 58.00 | 57.00 |
| Shareholders' Equity | 47.56B | 46.42B | 38.78B | 33.48B | 32.17B | 29.74B |
| Total Liabilities & Equity | 657.99B | 650.98B | 550.19B | 472.65B | 435.46B | 391.88B |
| Total Debt | 87.03B | 103.62B | 93.36B | 82.46B | 79.15B | 64.24B |
| Net Cash (Debt) | -77.00B | -95.87B | -88.88B | -68.86B | -67.96B | -51.83B |
| Net Cash Per Share | -63.19 | -78.67 | -72.94 | -56.51 | -55.77 | -42.53 |
| Filing Date Shares Outstanding | 1.22B | 1.22B | 1.22B | 1.22B | 1.22B | 1.22B |
| Total Common Shares Outstanding | 1.22B | 1.22B | 1.22B | 1.22B | 1.22B | 1.22B |
| Book Value Per Share | 39.03 | 38.09 | 31.83 | 27.47 | 26.40 | 24.40 |
| Tangible Book Value | 47.33B | 46.24B | 38.66B | 33.30B | 32.00B | 29.46B |
| Tangible Book Value Per Share | 38.84 | 37.94 | 31.72 | 27.32 | 26.26 | 24.18 |
Cash flow statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 9.33B | 9.10B | 7.32B | 4.82B | 3.99B | 3.25B |
| Depreciation & Amortization | 947.82M | 943.07M | 913.48M | 765.49M | 696.18M | 692.11M |
| Other Amortization | 54.16M | 57.18M | 58.53M | 83.54M | 122.24M | 122.93M |
| Change in Trading Asset Securities | 9.27B | -23.71B | -43.53B | -18.25B | -9.60B | -2.09B |
| Change in Other Net Operating Assets | -16.26B | -12.04B | -41.96B | -20.49B | -24.26B | -30.56B |
| Other Operating Activities | 2.51B | 1.41B | 4.33B | 2.69B | 2.30B | 1.78B |
| Operating Cash Flow | 5.85B | -24.24B | -72.86B | -30.38B | -26.75B | -26.81B |
| Capital Expenditures | -1.92B | -1.63B | -566.28M | -645.62M | -706.74M | -543.72M |
| Sale of Property, Plant and Equipment | 3.55M | 4.13M | 23.11M | 21.04M | 13.38M | 5.25M |
| Investment in Securities | -61.76B | -42.60B | -90.33M | 983.87M | -569.30M | -3.07B |
| Other Investing Activities | -1.00 | -1.00 | -1.00 | |||
| Investing Cash Flow | -63.68B | -44.22B | -633.50M | 359.30M | -1.26B | -3.61B |
| Long-Term Debt Issued | 3.00B | |||||
| Long-Term Debt Repaid | -1.40B | -1.40B | -1.40B | -1.90B | -2.27B | |
| Net Debt Issued (Repaid) | -1.40B | -1.40B | -1.40B | 1.60B | -1.90B | -2.27B |
| Common Dividends Paid | -2.90B | -1.98B | -1.98B | -1.98B | -1.98B | -1.70B |
| Net Increase (Decrease) in Deposit Accounts | 50.90B | 91.64B | 76.14B | 41.81B | 26.48B | 37.74B |
| Other Financing Activities | -64.91M | |||||
| Financing Cash Flow | 46.60B | 88.26B | 72.76B | 41.43B | 22.60B | 33.70B |
| Foreign Exchange Rate Adjustments | -53.44M | -27.87M | 12.02M | 19.76M | 90.94M | 3.95M |
| Net Cash Flow | -11.29B | 19.77B | -720.60M | 11.42B | -5.32B | 3.29B |
| Free Cash Flow | 3.93B | -25.87B | -73.42B | -31.03B | -27.46B | -27.35B |
| Free Cash Flow Margin | 15.02% | -104.50% | -321.05% | -198.07% | -191.11% | -199.56% |
| Free Cash Flow Per Share | 3.23 | -21.23 | -60.25 | -25.46 | -22.53 | -22.44 |
| Cash Interest Paid | 31.16B | 28.25B | 19.79B | 14.04B | 9.34B | 7.70B |
| Cash Income Tax Paid | 5.16B | 5.03B | 4.03B | 2.48B | 3.08B | 2.68B |
Ratios
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 35.83B | 33.31B | 26.50B | 23.78B | 21.74B | 24.34B |
| Last Close Price | 29.40 | 25.31 | 18.70 | 15.44 | 12.93 | 13.35 |
| PE Ratio | 3.71 | 3.66 | 3.62 | 4.94 | 5.44 | 7.49 |
| PS Ratio | 1.30 | 1.34 | 1.16 | 1.52 | 1.51 | 1.78 |
| PB Ratio | 0.72 | 0.72 | 0.68 | 0.71 | 0.68 | 0.82 |
| Debt / Equity Ratio | 1.83 | 2.23 | 2.41 | 2.46 | 2.46 | 2.16 |
| Debt / FCF Ratio | 22.14 | |||||
| Net Debt / Equity Ratio | 1.62 | 2.06 | 2.29 | 2.06 | 2.11 | 1.74 |
| Net Debt / FCF Ratio | 19.59 | -3.71 | -1.21 | -2.22 | -2.48 | -1.90 |
| Return on Equity (ROE) | 21.05% | 21.36% | 20.27% | 14.67% | 12.91% | 11.16% |
| Return on Assets (ROA) | 1.49% | 1.52% | 1.43% | 1.06% | 0.97% | 0.88% |
| Earnings Yield | 26.96% | 27.32% | 27.64% | 20.25% | 18.38% | 13.35% |
| FCF Yield | -21.45% | -77.67% | -277.12% | -130.50% | -126.30% | -112.34% |
| Dividend Yield | 8.10% | 8.71% | 7.48% | 8.33% | 9.11% | 8.14% |
| Payout Ratio | 30.03% | 21.78% | 27.06% | 41.15% | 49.60% | 52.26% |
| Buyback Yield / Dilution | 0.00% | |||||
| Total Shareholder Return | 8.10% | 8.71% | 7.48% | 8.33% | 9.11% | 8.14% |