DSE : PUBALIBANK
Pubali Bank PLC. — Financial statements
Commercial Banks · Bangladesh
Last price 42.9 BDT (At close: Oct 29, 2026) · Market cap 67.00B
Latest research: Pubali Bank valuation report: fair value BDT 16.8–39.3 (Oct 2026) · Pubali Bank: fair value range BDT 17–39; bonds earned about BDT 12.3bn net of funding in FY2025 against 32bn from lending
Overview · Financial statements · Key statistics · Dividends · Company profile · Price history · Reports
Technical report: trend, RSI, support and resistance, charts
Financial statements
Income statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 68.20B | 66.97B | 58.45B | 40.40B | 29.86B | 22.79B |
| Interest Paid on Deposits | 59.95B | 57.44B | 43.31B | 30.32B | 23.24B | 21.90B |
| Net Interest Income | 8.24B | 9.53B | 15.14B | 10.08B | 6.62B | 890.02M |
| Gain (Loss) on Sale of Investments | 399.37M | -171.33M | -590.00M | -123.74M | -55.41M | |
| Other Non-Interest Income | 48.46B | 42.63B | 27.21B | 20.85B | 19.11B | 19.83B |
| Total Non-Interest Income | 48.86B | 42.46B | 26.62B | 20.73B | 19.05B | 19.83B |
| Revenues Before Loan Losses | 57.10B | 51.99B | 41.76B | 30.81B | 25.67B | 20.72B |
| Provision for Loan Losses | 9.44B | 8.54B | 8.30B | 2.87B | 2.77B | 3.41B |
| Revenue | 47.67B | 43.44B | 33.46B | 27.94B | 22.90B | 17.31B |
| Salaries and Employee Benefits | 14.53B | 13.68B | 10.94B | 9.31B | 8.39B | 6.52B |
| Occupancy Expenses | 5.25B | 4.66B | 3.39B | 2.61B | 2.09B | 1.68B |
| Selling, General & Administrative | 669.70M | 632.00M | 517.77M | 397.63M | 360.52M | 309.41M |
| Other Non-Interest Expense | 4.88B | 4.28B | 5.21B | 3.43B | 3.13B | 3.06B |
| Total Non-Interest Expense | 25.33B | 23.25B | 20.06B | 15.74B | 13.97B | 11.57B |
| EBT Excluding Unusual Items | 22.34B | 20.19B | 13.40B | 12.20B | 8.93B | 5.74B |
| Pretax Income | 22.34B | 20.19B | 13.40B | 12.20B | 8.93B | 5.74B |
| Income Tax Expense | 10.37B | 9.29B | 5.60B | 5.25B | 3.28B | 1.39B |
| Earnings From Continuing Operations | 11.97B | 10.90B | 7.80B | 6.95B | 5.65B | 4.35B |
| Minority Interest in Earnings | -21.00 | -21.00 | -35.00 | -28.00 | -64.00 | -161.00 |
| Net Income | 11.97B | 10.90B | 7.80B | 6.95B | 5.65B | 4.35B |
| Net Income to Common | 11.97B | 10.90B | 7.80B | 6.95B | 5.65B | 4.35B |
| Basic Shares Outstanding | 1.56B | 1.56B | 1.56B | 1.56B | 1.56B | 1.56B |
| Diluted Shares Outstanding | 1.56B | 1.56B | 1.56B | 1.56B | 1.56B | 1.56B |
| EPS (Basic) | 7.67 | 6.98 | 5.00 | 4.45 | 3.62 | 2.79 |
| EPS (Diluted) | 7.67 | 6.98 | 5.00 | 4.45 | 3.62 | 2.79 |
| Dividend Per Share | 1.25 | 1.25 | 0.93 | 0.82 | 0.82 | 0.82 |
| Effective Tax Rate | 46.42% | 46.01% | 41.78% | 43.05% | 36.73% | 24.22% |
Balance sheet
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 23.99B | 20.44B | 25.24B | 15.38B | 19.65B | 27.05B |
| Investment Securities | 408.02B | 316.07B | 224.48B | 161.92B | 152.75B | 158.50B |
| Total Investments | 408.02B | 316.07B | 224.48B | 161.92B | 152.75B | 158.50B |
| Gross Loans | 772.41B | 747.21B | 662.32B | 581.35B | 485.44B | 397.77B |
| Allowance for Loan Losses | -34.93B | -33.66B | -30.42B | -24.17B | -21.10B | -19.24B |
| Other Adjustments to Gross Loans | -1.58B | -1.99B | -1.77B | -1.59B | -1.09B | |
| Net Loans | 737.48B | 711.96B | 629.91B | 555.41B | 462.75B | 377.44B |
| Property, Plant & Equipment | 8.11B | 7.59B | 6.28B | 4.86B | 6.30B | 5.86B |
| Other Intangible Assets | 448.19M | 523.15M | 564.90M | 197.39M | 200.82M | 222.98M |
| Accrued Interest Receivable | 9.26B | 7.82B | 5.17B | 2.91B | 2.99B | 2.97B |
| Other Receivables | 817.08M | 30.21K | 30.21K | 9.00K | 9.00K | 9.00K |
| Restricted Cash | 39.26B | 49.82B | 32.20B | 24.97B | 25.55B | 19.56B |
| Other Current Assets | 63.68B | 55.58B | 50.92B | 39.30B | 35.31B | 32.67B |
| Long-Term Deferred Tax Assets | 4.90B | 5.35B | 6.55B | 4.86B | 4.56B | 4.02B |
| Other Long-Term Assets | 4.90B | 8.43B | 2.95B | 5.38B | 4.21B | 2.11B |
| Total Assets | 1.30T | 1.18T | 984.26B | 815.19B | 714.27B | 630.40B |
| Interest Bearing Deposits | 842.78B | 770.70B | 632.50B | 513.25B | 434.87B | 387.73B |
| Non-Interest Bearing Deposits | 114.91B | 94.80B | 90.00B | 66.21B | 60.21B | 59.10B |
| Total Deposits | 957.69B | 865.50B | 722.50B | 579.46B | 495.08B | 446.83B |
| Short-Term Borrowings | 1.02B | 600.00M | 1.60B | 3.32B | ||
| Current Portion of Long-Term Debt | 62.61B | 37.08B | 46.67B | 61.07B | 45.78B | |
| Other Current Liabilities | 30.95B | 29.34B | 22.38B | 21.80B | 14.27B | 13.83B |
| Long-Term Debt | 93.44B | 24.17B | 36.91B | 29.74B | 17.83B | 14.02B |
| Long-Term Leases | 2.39B | 2.24B | 2.10B | 1.66B | 1.66B | 1.50B |
| Other Long-Term Liabilities | 140.01B | 128.00B | 109.11B | 88.85B | 77.90B | 68.35B |
| Total Liabilities | 1.22T | 1.11T | 930.68B | 769.78B | 671.13B | 590.31B |
| Common Stock | 15.62B | 13.01B | 11.57B | 10.28B | 10.28B | 10.28B |
| Retained Earnings | 49.01B | 46.31B | 38.93B | 34.29B | 28.98B | 25.04B |
| Comprehensive Income & Other | 11.75B | 11.37B | 3.09B | 836.83M | 3.88B | 4.76B |
| Total Common Equity | 76.37B | 70.70B | 53.58B | 45.41B | 43.15B | 40.08B |
| Minority Interest | 1.20K | 1.20K | 1.18K | 1.15K | 1.12K | 1.05K |
| Shareholders' Equity | 76.37B | 70.70B | 53.58B | 45.41B | 43.15B | 40.08B |
| Total Liabilities & Equity | 1.30T | 1.18T | 984.26B | 815.19B | 714.27B | 630.40B |
| Total Debt | 95.83B | 90.04B | 76.70B | 79.67B | 83.88B | 61.30B |
| Net Cash (Debt) | -71.84B | -69.60B | -51.45B | -64.29B | -64.23B | -34.25B |
| Net Cash Per Share | -46.00 | -44.57 | -32.95 | -41.17 | -41.13 | -21.93 |
| Filing Date Shares Outstanding | 1.56B | 1.56B | 1.56B | 1.56B | 1.56B | 1.56B |
| Total Common Shares Outstanding | 1.56B | 1.56B | 1.56B | 1.56B | 1.56B | 1.56B |
| Book Value Per Share | 48.90 | 45.27 | 34.31 | 29.07 | 27.63 | 25.67 |
| Tangible Book Value | 75.92B | 70.17B | 53.02B | 45.21B | 42.95B | 39.86B |
| Tangible Book Value Per Share | 48.62 | 44.93 | 33.95 | 28.95 | 27.50 | 25.52 |
Cash flow statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 11.97B | 10.90B | 7.80B | 6.95B | 5.65B | 4.35B |
| Depreciation & Amortization | 2.18B | 1.92B | 1.32B | 1.14B | 969.26M | 854.49M |
| Other Amortization | 255.47M | 244.57M | 135.61M | 110.25M | 93.79M | 37.80M |
| Change in Trading Asset Securities | -66.79B | -57.17B | -10.19B | -3.19B | -2.71B | 1.29B |
| Change in Other Net Operating Assets | -91.27B | -82.29B | -74.98B | -92.15B | -78.31B | -63.26B |
| Other Operating Activities | 10.08B | 9.27B | 12.70B | 6.25B | 5.11B | 4.75B |
| Operating Cash Flow | -133.57B | -117.13B | -63.22B | -80.89B | -69.19B | -51.97B |
| Capital Expenditures | -2.86B | -2.72B | -2.91B | -2.09B | -888.75M | -690.66M |
| Sale of Property, Plant and Equipment | 49.95M | 16.52M | 14.45M | 5.52M | ||
| Investment in Securities | -76.17B | -26.07B | -50.54B | -6.50B | ||
| Investing Cash Flow | -78.98B | -28.77B | -53.44B | -8.58B | -888.75M | -690.66M |
| Long-Term Debt Issued | 2.80B | 1.50B | 1.00B | 3.90B | 2.80B | |
| Long-Term Debt Repaid | -1.00B | -812.42M | -1.00B | |||
| Lease Payments | -1.03B | -1.00B | -812.42M | |||
| Net Debt Issued (Repaid) | 1.25B | 1.80B | 687.58M | 1.00B | 3.90B | 1.80B |
| Common Dividends Paid | -1.26B | -1.40B | -1.25B | -1.25B | -1.25B | -1.44B |
| Net Increase (Decrease) in Deposit Accounts | 201.04B | 158.83B | 134.60B | 84.42B | 66.11B | 55.35B |
| Other Financing Activities | -500.00M | -500.00M | -501.37M | -500.00M | -363.73M | 2.22M |
| Financing Cash Flow | 200.53B | 158.72B | 133.54B | 83.67B | 68.40B | 55.71B |
| Foreign Exchange Rate Adjustments | 663.55K | 1.02M | 17.21M | 4.28M | 32.18M | |
| Net Cash Flow | -12.02B | 12.82B | 16.90B | -5.79B | -1.65B | 3.05B |
| Free Cash Flow | -136.43B | -119.85B | -66.13B | -82.98B | -70.08B | -52.66B |
| Free Cash Flow Margin | -286.20% | -275.86% | -197.66% | -296.99% | -306.10% | -304.28% |
| Free Cash Flow Per Share | -87.36 | -76.74 | -42.35 | -53.13 | -44.88 | -33.72 |
| Free Cash Flow After Leases | -137.46B | -120.85B | -66.95B | -82.98B | -70.08B | -52.66B |
| Cash Interest Paid | 59.48B | 56.41B | 39.91B | 29.46B | 22.76B | 22.58B |
| Cash Income Tax Paid | 11.34B | 9.19B | 6.07B | 3.70B | 2.07B | 1.81B |
Ratios
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 67.00B | 40.21B | 33.90B | 26.94B | 27.04B | 27.56B |
| Last Close Price | 42.90 | 25.08 | 20.22 | 15.39 | 14.69 | 14.30 |
| PE Ratio | 5.60 | 3.69 | 4.34 | 3.88 | 4.79 | 6.33 |
| PS Ratio | 1.41 | 0.93 | 1.01 | 0.96 | 1.18 | 1.59 |
| PB Ratio | 0.88 | 0.57 | 0.63 | 0.59 | 0.63 | 0.69 |
| Debt / Equity Ratio | 1.25 | 1.27 | 1.43 | 1.75 | 1.94 | 1.53 |
| Net Debt / Equity Ratio | 0.94 | 0.98 | 0.96 | 1.42 | 1.49 | 0.85 |
| Net Debt / FCF Ratio | -0.53 | -0.58 | -0.78 | -0.78 | -0.92 | -0.65 |
| Return on Equity (ROE) | 17.89% | 17.54% | 15.76% | 15.70% | 13.57% | 10.99% |
| Return on Assets (ROA) | 1.01% | 1.01% | 0.87% | 0.91% | 0.84% | 0.73% |
| Earnings Yield | 17.87% | 27.11% | 23.02% | 25.80% | 20.88% | 15.79% |
| FCF Yield | -203.63% | -298.02% | -195.11% | -308.00% | -259.14% | -191.10% |
| Dividend Yield | 2.91% | 4.85% | 4.27% | 4.77% | 4.75% | 4.66% |
| Payout Ratio | 10.52% | 12.88% | 15.99% | 17.97% | 22.06% | 33.09% |
| Buyback Yield / Dilution | 0.00% | 0.00% | ||||
| Total Shareholder Return | 2.91% | 4.85% | 4.27% | 4.77% | 4.75% | 4.66% |