DSE : SBACBANK
SBAC Bank PLC. — Financial statements
Commercial Banks · Bangladesh
Last price 6.6 BDT (At close: Oct 29, 2026) · Market cap 5.44B
Latest research: SBAC Bank financial analysis: 19.9% NPL, BDT 10.2bn BB-deferred provision shortfall and qualified audit (Oct 2026) · SBAC Bank: NPL near 20%, a BDT 10.2bn provision shortfall deferred by Bangladesh Bank, and a qualified 2025 audit
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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 | 9.07B | 8.61B | 8.59B | 6.90B | 5.88B | 5.61B |
| Interest Paid on Deposits | 7.93B | 7.67B | 6.65B | 5.24B | 4.61B | 3.94B |
| Net Interest Income | 1.14B | 937.33M | 1.94B | 1.66B | 1.28B | 1.67B |
| Gain (Loss) on Sale of Investments | -45.78M | -61.70M | -198.46M | -25.50M | -91.07M | -36.40M |
| Other Non-Interest Income | 3.02B | 3.11B | 3.74B | 3.34B | 2.97B | 2.53B |
| Total Non-Interest Income | 2.97B | 3.05B | 3.54B | 3.32B | 2.88B | 2.49B |
| Revenues Before Loan Losses | 4.11B | 3.98B | 5.48B | 4.97B | 4.16B | 4.16B |
| Provision for Loan Losses | 1.01B | 828.85M | 1.50B | 772.58M | 484.27M | 811.21M |
| Revenue | 3.10B | 3.15B | 3.99B | 4.20B | 3.67B | 3.34B |
| Salaries and Employee Benefits | 1.96B | 1.98B | 1.96B | 1.82B | 1.58B | 1.33B |
| Occupancy Expenses | 353.31M | 357.12M | 358.81M | 368.42M | 362.14M | 464.21M |
| Selling, General & Administrative | 390.52M | 379.90M | 369.10M | 306.66M | 280.81M | 114.51M |
| Other Non-Interest Expense | 245.17M | 219.54M | 299.13M | 285.73M | 225.78M | 282.90M |
| Total Non-Interest Expense | 2.95B | 2.94B | 2.99B | 2.78B | 2.45B | 2.19B |
| EBT Excluding Unusual Items | 157.38M | 215.70M | 998.35M | 1.42B | 1.22B | 1.16B |
| Other Unusual Items | 75.07M | 9.73M | 102.39M | -177.67M | ||
| Pretax Income | 157.38M | 215.70M | 1.07B | 1.43B | 1.32B | 978.75M |
| Income Tax Expense | 129.00M | 208.65M | 960.28M | 885.78M | 732.08M | 438.86M |
| Net Income | 28.38M | 7.05M | 113.14M | 546.36M | 589.63M | 539.89M |
| Net Income to Common | 28.38M | 7.05M | 113.14M | 546.36M | 589.63M | 539.89M |
| Basic Shares Outstanding | 824.19M | 824.19M | 824.19M | 824.19M | 824.19M | 734.38M |
| Diluted Shares Outstanding | 824.19M | 824.19M | 824.19M | 824.19M | 824.19M | 734.38M |
| EPS (Basic) | 0.03 | 0.01 | 0.14 | 0.66 | 0.72 | 0.74 |
| EPS (Diluted) | 0.03 | 0.01 | 0.14 | 0.66 | 0.72 | 0.74 |
| Dividend Per Share | 0.20 | 0.35 | 0.30 | |||
| Effective Tax Rate | 81.97% | 96.73% | 89.46% | 61.85% | 55.39% | 44.84% |
Balance sheet
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 9.87B | 5.99B | 5.16B | 4.47B | 4.59B | 8.50B |
| Investment Securities | 22.34B | 18.00B | 20.08B | 18.50B | 15.14B | 13.53B |
| Trading Asset Securities | 12.22B | 5.88B | 2.40B | 11.65M | 1.98B | 4.01B |
| Total Investments | 34.55B | 23.87B | 22.49B | 18.51B | 17.13B | 17.54B |
| Gross Loans | 101.11B | 97.99B | 93.72B | 90.11B | 80.57B | 68.35B |
| Allowance for Loan Losses | -3.00B | -3.32B | -4.87B | -3.46B | -2.74B | -2.40B |
| Net Loans | 98.11B | 94.67B | 88.85B | 86.64B | 77.83B | 65.96B |
| Property, Plant & Equipment | 1.25B | 1.38B | 1.41B | 1.49B | 1.74B | 1.63B |
| Restricted Cash | 4.49B | 4.25B | 3.73B | 3.60B | 2.97B | |
| Other Long-Term Assets | 3.17B | 2.63B | 2.46B | 2.42B | 1.41B | 1.23B |
| Total Assets | 146.96B | 133.03B | 124.61B | 117.26B | 106.31B | 97.81B |
| Accrued Expenses | 101.08M | 86.16M | 71.91M | 49.62M | 36.45M | 57.43M |
| Interest Bearing Deposits | 101.91B | 90.85B | 80.48B | 77.23B | 71.87B | 63.07B |
| Non-Interest Bearing Deposits | 6.49B | 5.21B | 6.19B | 4.71B | 3.50B | 3.03B |
| Total Deposits | 108.40B | 96.06B | 86.67B | 81.95B | 75.37B | 66.10B |
| Short-Term Borrowings | 3.89B | |||||
| Current Portion of Long-Term Debt | 2.03B | 1.33B | 2.84B | 2.86B | 3.53B | 4.67B |
| Current Income Taxes Payable | 1.85B | 1.75B | 2.28B | 2.08B | 1.15B | 816.76M |
| Accrued Interest Payable | 1.75B | 1.04B | 942.71M | 761.19M | 696.44M | 616.13M |
| Other Current Liabilities | 10.20B | 10.27B | 8.67B | 10.41B | 7.95B | 5.81B |
| Long-Term Debt | 289.51M | 190.14M | 404.49M | 406.83M | 502.65M | 198.97M |
| Long-Term Leases | 1.05B | 1.13B | 1.10B | 1.11B | 1.23B | 1.17B |
| Long-Term Unearned Revenue | 53.33M | 218.32M | 16.07M | 10.58M | 5.56M | 2.74M |
| Other Long-Term Liabilities | 9.93B | 9.73B | 10.51B | 6.51B | 5.02B | 3.85B |
| Total Liabilities | 135.66B | 121.81B | 113.49B | 106.14B | 95.48B | 87.19B |
| Common Stock | 8.24B | 8.24B | 8.24B | 8.24B | 8.16B | 7.85B |
| Retained Earnings | 2.94B | 2.80B | 2.79B | 2.85B | 2.60B | 2.65B |
| Comprehensive Income & Other | 119.33M | 172.88M | 80.24M | 34.76M | 73.16M | 129.52M |
| Total Common Equity | 11.30B | 11.21B | 11.11B | 11.12B | 10.83B | 10.63B |
| Minority Interest | 436.25K | 435.75K | 435.28K | 435.11K | 432.18K | 405.17K |
| Shareholders' Equity | 11.30B | 11.21B | 11.12B | 11.13B | 10.83B | 10.63B |
| Total Liabilities & Equity | 146.96B | 133.03B | 124.61B | 117.26B | 106.31B | 97.81B |
| Total Debt | 3.37B | 2.65B | 4.34B | 4.37B | 5.26B | 9.93B |
| Net Cash (Debt) | 18.72B | 9.21B | 3.22B | 114.41M | 1.32B | 2.57B |
| Net Cash Per Share | 22.71 | 11.18 | 3.90 | 0.14 | 1.60 | 3.50 |
| Filing Date Shares Outstanding | 824.19M | 824.19M | 824.19M | 824.19M | 824.19M | 824.19M |
| Total Common Shares Outstanding | 824.19M | 824.19M | 824.19M | 824.19M | 824.19M | 824.19M |
| Book Value Per Share | 13.71 | 13.61 | 13.49 | 13.50 | 13.14 | 12.90 |
| Tangible Book Value | 11.30B | 11.21B | 11.11B | 11.12B | 10.83B | 10.63B |
| Tangible Book Value Per Share | 13.71 | 13.61 | 13.49 | 13.50 | 13.14 | 12.90 |
Cash flow statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 28.38M | 7.05M | 113.14M | 546.36M | 589.63M | 539.89M |
| Depreciation & Amortization | 340.17M | 353.29M | 351.12M | 358.72M | 350.11M | 311.00M |
| Other Amortization | 4.09M | 3.60M | 5.34M | 8.65M | 11.98M | 21.25M |
| Gain (Loss) on Sale of Investments | -252.74M | -252.74M | -503.60M | -294.63M | 38.17M | -368.14M |
| Change in Trading Asset Securities | -7.88B | -3.28B | 2.41B | 1.63B | 1.52B | 1.46B |
| Accrued Interest Receivable | -62.99M | -62.99M | -332.80M | 8.79M | 79.80M | 316.05M |
| Change in Other Net Operating Assets | -7.86B | -7.76B | -39.16M | -8.39B | -11.24B | -8.39B |
| Other Operating Activities | 769.20M | 152.37M | 1.02B | -69.24M | -414.18M | 922.26M |
| Operating Cash Flow | -14.82B | -10.74B | 3.26B | -6.15B | -8.99B | -5.29B |
| Capital Expenditures | -326.76M | -326.76M | -272.10M | -117.70M | -478.72M | -434.50M |
| Sale of Property, Plant and Equipment | -122.21M | |||||
| Investment in Securities | -3.15B | 2.26B | -5.95B | -2.67B | -1.21B | -5.54B |
| Investing Cash Flow | -3.60B | 1.93B | -6.22B | -2.78B | -1.69B | -5.98B |
| Long-Term Debt Issued | 6.37B | |||||
| Long-Term Debt Repaid | -1.72B | -18.71M | -768.57M | -4.73B | ||
| Net Debt Issued (Repaid) | 130.18M | -1.72B | -18.71M | -768.57M | -4.73B | 6.37B |
| Issuance of Common Stock | 1.00B | |||||
| Common Dividends Paid | -164.84M | -261.49M | -236.94M | -262.61M | ||
| Net Increase (Decrease) in Deposit Accounts | 16.41B | 10.90B | 3.02B | 9.05B | 11.45B | 1.71B |
| Financing Cash Flow | 16.54B | 9.18B | 2.84B | 8.02B | 6.48B | 8.82B |
| Foreign Exchange Rate Adjustments | 144.45M | 144.45M | 926.85M | 924.16M | 927.06M | 99.56M |
| Net Cash Flow | -1.73B | 521.42M | 804.88M | 3.44M | -3.27B | -2.34B |
| Free Cash Flow | -15.15B | -11.06B | 2.99B | -6.27B | -9.47B | -5.72B |
| Free Cash Flow Margin | -487.95% | -350.79% | 74.97% | -149.24% | -257.91% | -171.08% |
| Free Cash Flow Per Share | -18.38 | -13.42 | 3.63 | -7.61 | -11.49 | -7.79 |
| Cash Interest Paid | 7.63B | 7.57B | 6.49B | 5.22B | 4.55B | 4.05B |
| Cash Income Tax Paid | 585.66M | 780.87M | 669.59M | 852.48M | 701.72M | 442.58M |
Ratios
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 5.44B | 5.03B | 6.26B | 8.65B | 8.65B | 12.40B |
| Last Close Price | 6.60 | 6.10 | 7.60 | 10.21 | 9.87 | 13.75 |
| PE Ratio | 191.69 | 712.99 | 55.36 | 15.84 | 14.67 | 22.97 |
| PS Ratio | 1.75 | 1.59 | 1.57 | 2.06 | 2.36 | 3.71 |
| PB Ratio | 0.48 | 0.45 | 0.56 | 0.78 | 0.80 | 1.17 |
| P/FCF Ratio | 2.10 | |||||
| P/OCF Ratio | 1.92 | |||||
| Debt / Equity Ratio | 0.30 | 0.24 | 0.39 | 0.39 | 0.48 | 0.93 |
| Debt / FCF Ratio | 1.45 | |||||
| Net Debt / Equity Ratio | -1.66 | -0.82 | -0.29 | -0.01 | -0.12 | -0.24 |
| Net Debt / FCF Ratio | 1.24 | 0.83 | -1.08 | 0.02 | 0.14 | 0.45 |
| Return on Equity (ROE) | 0.25% | 0.06% | 1.02% | 4.98% | 5.50% | 5.42% |
| Return on Assets (ROA) | 0.02% | 0.01% | 0.09% | 0.49% | 0.58% | 0.58% |
| Earnings Yield | 0.52% | 0.14% | 1.81% | 6.31% | 6.82% | 4.35% |
| FCF Yield | -278.43% | -220.03% | 47.70% | -72.45% | -109.45% | -46.12% |
| Dividend Yield | 3.03% | 1.91% | 3.30% | 1.97% | ||
| Payout Ratio | 145.69% | 47.86% | 40.18% | 48.64% | ||
| Buyback Yield / Dilution | -0.29% | -12.23% | -2.12% | |||
| Total Shareholder Return | 2.74% | 1.91% | -8.93% | -0.14% |