DSE : SHAHJABANK
Shahjalal Islami Bank PLC. — Financial statements
Commercial Banks · Bangladesh
Last price 17.3 BDT (At close: Oct 29, 2026) · Market cap 19.25B
Latest research: Shahjalal Islami Bank valuation report: fair value BDT 9–24.7 (Oct 2026) · A 74% Mudaraba payout and 4.5% NPI support fair value BDT 9–25; 2026 cash dividends are barred
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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 | 28.03B | 27.30B | 22.23B | 18.18B | 15.97B | 13.79B |
| Interest Paid on Deposits | 14.91B | 14.23B | 11.87B | 9.06B | 8.37B | 7.40B |
| Net Interest Income | 13.13B | 13.07B | 10.36B | 9.12B | 7.60B | 6.39B |
| Gain (Loss) on Sale of Assets | -1.03M | -1.03M | -1.17M | -7.15M | -4.13M | |
| Gain (Loss) on Sale of Investments | -61.00M | -203.00M | -293.44M | -12.40M | -16.00M | |
| Other Non-Interest Income | 10.22B | 8.40B | 7.54B | 6.20B | 6.88B | 4.79B |
| Total Non-Interest Income | 10.16B | 8.19B | 7.24B | 6.20B | 6.86B | 4.78B |
| Revenues Before Loan Losses | 23.29B | 21.26B | 17.60B | 15.31B | 14.46B | 11.17B |
| Provision for Loan Losses | 4.16B | 4.21B | 4.64B | 1.76B | 1.09B | 737.53M |
| Revenue | 19.13B | 17.05B | 12.97B | 13.55B | 13.38B | 10.43B |
| Salaries and Employee Benefits | 5.47B | 4.58B | 4.65B | 3.98B | 3.62B | 3.03B |
| Occupancy Expenses | 1.02B | 1.03B | 1.14B | 1.01B | 983.15M | 897.83M |
| Selling, General & Administrative | 328.03M | 299.56M | 324.60M | 258.97M | 224.30M | 174.00M |
| Other Non-Interest Expense | 2.31B | 2.18B | 1.06B | 920.81M | 1.02B | 1.22B |
| Total Non-Interest Expense | 9.12B | 8.09B | 7.17B | 6.17B | 5.84B | 5.32B |
| EBT Excluding Unusual Items | 10.00B | 8.96B | 5.79B | 7.38B | 7.54B | 5.11B |
| Pretax Income | 10.00B | 8.96B | 5.79B | 7.38B | 7.54B | 5.11B |
| Income Tax Expense | 5.77B | 5.28B | 4.10B | 3.79B | 3.95B | 2.50B |
| Earnings From Continuing Operations | 4.24B | 3.68B | 1.69B | 3.58B | 3.59B | 2.61B |
| Minority Interest in Earnings | -1.05M | -151.33K | -438.46K | -573.36K | -4.95M | -20.81M |
| Net Income | 4.23B | 3.68B | 1.69B | 3.58B | 3.58B | 2.59B |
| Net Income to Common | 4.23B | 3.68B | 1.69B | 3.58B | 3.58B | 2.59B |
| Basic Shares Outstanding | 1.11B | 1.11B | 1.11B | 1.11B | 1.11B | 1.11B |
| Diluted Shares Outstanding | 1.11B | 1.11B | 1.11B | 1.11B | 1.11B | 1.11B |
| EPS (Basic) | 3.81 | 3.31 | 1.52 | 3.22 | 3.22 | 2.33 |
| EPS (Diluted) | 3.81 | 3.31 | 1.52 | 3.22 | 3.22 | 2.33 |
| Dividend Per Share | 1.30 | 1.30 | 1.00 | 1.40 | 1.17 | 0.92 |
| Effective Tax Rate | 57.66% | 58.93% | 70.77% | 51.45% | 52.43% | 48.87% |
Balance sheet
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 39.06B | 9.56B | 12.48B | 4.00B | 3.30B | 3.10B |
| Investment Securities | 80.95B | 35.01B | 31.90B | 25.56B | 29.12B | 28.80B |
| Total Investments | 80.95B | 35.01B | 31.90B | 25.56B | 29.12B | 28.80B |
| Gross Loans | 335.07B | 321.82B | 293.75B | 261.08B | 251.28B | 232.58B |
| Allowance for Loan Losses | -12.60B | -10.07B | -6.89B | -6.59B | -5.49B | |
| Other Adjustments to Gross Loans | -14.68B | -14.29B | -12.80B | -9.99B | -7.46B | -7.88B |
| Net Loans | 320.39B | 294.94B | 270.87B | 244.20B | 237.23B | 219.20B |
| Property, Plant & Equipment | 5.03B | 5.17B | 5.19B | 5.34B | 5.25B | 5.21B |
| Other Intangible Assets | 34.12M | 23.66M | 29.55M | 24.54M | 23.60M | 18.06M |
| Other Receivables | 3.60B | 702.21M | ||||
| Restricted Cash | 17.08B | 63.94B | 50.01B | 48.32B | 42.96B | 42.08B |
| Other Current Assets | 17.51B | 16.73B | ||||
| Other Real Estate Owned & Foreclosed | 88.31M | 88.31M | 88.31M | 88.31M | 88.91M | 88.91M |
| Other Long-Term Assets | 27.00B | 20.74B | 18.28B | 26.93B | 738.55M | 625.04M |
| Total Assets | 489.63B | 429.47B | 388.85B | 354.46B | 339.82B | 316.56B |
| Accrued Expenses | 345.18K | 633.51M | 377.65M | 263.49M | 109.00M | |
| Interest Bearing Deposits | 254.68B | 224.65B | 207.41B | 184.33B | 173.82B | 173.61B |
| Non-Interest Bearing Deposits | 91.16B | 83.52B | 73.57B | 60.01B | 48.29B | 39.18B |
| Total Deposits | 345.85B | 308.17B | 280.98B | 244.34B | 222.11B | 212.79B |
| Current Income Taxes Payable | 20.61B | 15.77B | 13.77B | 19.61B | 17.29B | |
| Accrued Interest Payable | 567.87K | 600.91M | 554.26M | 485.75M | 134.59M | |
| Other Current Liabilities | 6.04B | 4.75B | 4.52B | 4.88B | 5.87B | 4.02B |
| Long-Term Debt | 45.18B | 36.62B | 35.40B | 35.94B | 52.24B | 44.90B |
| Long-Term Leases | 1.69B | 1.75B | 1.73B | 1.58B | 1.26B | |
| Long-Term Unearned Revenue | 4.98M | 5.00M | 5.27M | 19.23M | 30.94M | |
| Long-Term Deferred Tax Liabilities | 445.03K | 26.77M | 42.96M | 68.72M | 237.15M | 235.55M |
| Other Long-Term Liabilities | 41.70B | 35.25B | 27.77B | 45.20B | 15.54B | 15.73B |
| Total Liabilities | 461.07B | 403.56B | 365.15B | 330.43B | 317.95B | 296.50B |
| Common Stock | 11.13B | 11.13B | 11.13B | 11.13B | 10.81B | 10.29B |
| Retained Earnings | 16.92B | 14.31B | 12.28B | 12.63B | 11.06B | 9.54B |
| Comprehensive Income & Other | 279.08M | 233.47M | 62.42M | 43.91M | 3.45M | |
| Total Common Equity | 28.33B | 25.67B | 23.47B | 23.80B | 21.87B | 19.83B |
| Minority Interest | 228.21M | 229.05M | 228.90M | 228.46M | 227.44M | |
| Shareholders' Equity | 28.56B | 25.90B | 23.70B | 24.03B | 21.87B | 20.06B |
| Total Liabilities & Equity | 489.63B | 429.47B | 388.85B | 354.46B | 339.82B | 316.56B |
| Total Debt | 46.87B | 38.37B | 37.12B | 35.94B | 53.81B | 46.16B |
| Net Cash (Debt) | 5.87B | -5.06B | -4.23B | -17.83B | -29.24B | -24.55B |
| Net Cash Per Share | 5.27 | -4.55 | -3.80 | -16.02 | -26.27 | -22.06 |
| Filing Date Shares Outstanding | 1.11B | 1.11B | 1.11B | 1.11B | 1.11B | 1.11B |
| Total Common Shares Outstanding | 1.11B | 1.11B | 1.11B | 1.11B | 1.11B | 1.11B |
| Book Value Per Share | 25.45 | 23.07 | 21.09 | 21.38 | 19.65 | 17.82 |
| Tangible Book Value | 28.29B | 25.65B | 23.44B | 23.77B | 21.85B | 19.81B |
| Tangible Book Value Per Share | 25.42 | 23.05 | 21.06 | 21.36 | 19.63 | 17.80 |
Cash flow statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 4.23B | 3.68B | 1.69B | 3.58B | 3.58B | 2.59B |
| Depreciation & Amortization | 540.51M | 511.09M | 589.86M | 572.81M | 537.15M | 515.65M |
| Other Amortization | 11.32M | 10.02M | 8.94M | 7.04M | 5.63M | 17.12M |
| Change in Other Net Operating Assets | -29.65B | -24.60B | -35.27B | -15.24B | -13.31B | -2.19B |
| Other Operating Activities | 6.47B | 6.97B | 6.74B | 948.78M | 2.80B | 653.35M |
| Operating Cash Flow | -18.39B | -13.42B | -26.24B | -10.13B | -6.38B | 1.59B |
| Capital Expenditures | -251.49M | -254.90M | -191.52M | -238.43M | -218.32M | -191.17M |
| Sale of Property, Plant and Equipment | 16.28M | 3.22M | 12.50M | 42.48M | 11.68M | 2.87M |
| Investment in Securities | -18.84B | -10.95B | -4.31B | 1.54B | 2.71B | -8.94B |
| Other Investing Activities | -1.00 | -1.00 | 1.00 | 1.00 | ||
| Investing Cash Flow | -19.07B | -11.20B | -4.49B | 1.35B | 2.51B | -9.13B |
| Long-Term Debt Issued | 5.00B | 5.00B | ||||
| Long-Term Debt Repaid | -1.20B | -2.00B | -2.00B | -2.00B | -2.00B | |
| Net Debt Issued (Repaid) | -1.20B | -1.20B | 3.00B | -2.00B | -2.00B | 3.00B |
| Common Dividends Paid | -1.95B | -1.58B | -1.97B | -1.68B | -1.08B | -686.06M |
| Net Increase (Decrease) in Deposit Accounts | 47.24B | 27.09B | 35.17B | 21.36B | 10.30B | -543.62M |
| Other Financing Activities | -4.50M | -20.25M | ||||
| Financing Cash Flow | 44.09B | 24.31B | 36.20B | 17.67B | 7.22B | 1.75B |
| Foreign Exchange Rate Adjustments | -41.57M | 136.20M | 441.18M | 143.89M | 169.72M | 11.33M |
| Net Cash Flow | 6.58B | -173.35M | 5.92B | 9.03B | 3.51B | -5.78B |
| Free Cash Flow | -18.65B | -13.68B | -26.43B | -10.37B | -6.60B | 1.40B |
| Free Cash Flow Margin | -97.48% | -80.22% | -203.82% | -76.55% | -49.33% | 13.39% |
| Free Cash Flow Per Share | -16.75 | -12.29 | -23.75 | -9.32 | -5.93 | 1.25 |
| Cash Interest Paid | 14.46B | 14.01B | 10.86B | 8.98B | 7.99B | 8.27B |
| Cash Income Tax Paid | 4.95B | 3.72B | 3.01B | 4.24B | 2.23B | 1.86B |
Ratios
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 19.25B | 18.36B | 20.37B | 20.37B | 20.31B | 22.43B |
| Last Close Price | 17.30 | 15.26 | 15.96 | 14.83 | 13.86 | 14.60 |
| PE Ratio | 4.55 | 4.99 | 12.03 | 5.69 | 5.67 | 8.66 |
| PS Ratio | 1.01 | 1.08 | 1.57 | 1.50 | 1.52 | 2.15 |
| PB Ratio | 0.67 | 0.71 | 0.86 | 0.85 | 0.93 | 1.12 |
| P/FCF Ratio | 16.06 | |||||
| P/OCF Ratio | 14.13 | |||||
| Debt / Equity Ratio | 1.64 | 1.48 | 1.57 | 1.50 | 2.46 | 2.30 |
| Debt / FCF Ratio | 33.04 | |||||
| Net Debt / Equity Ratio | -0.21 | 0.20 | 0.18 | 0.74 | 1.34 | 1.22 |
| Net Debt / FCF Ratio | 0.32 | -0.37 | -0.16 | -1.72 | -4.43 | 17.57 |
| Return on Equity (ROE) | 15.45% | 14.84% | 7.10% | 15.61% | 17.10% | 13.66% |
| Return on Assets (ROA) | 0.93% | 0.90% | 0.46% | 1.03% | 1.09% | 0.85% |
| Earnings Yield | 21.99% | 20.05% | 8.31% | 17.58% | 17.62% | 11.55% |
| FCF Yield | -96.84% | -74.49% | -129.75% | -50.92% | -32.48% | 6.23% |
| Dividend Yield | 7.51% | 7.88% | 5.46% | 7.65% | 6.38% | 4.59% |
| Payout Ratio | 45.97% | 42.84% | 116.32% | 46.91% | 30.03% | 26.47% |
| Buyback Yield / Dilution | 0.00% | 0.00% | ||||
| Total Shareholder Return | 7.51% | 7.88% | 5.46% | 7.65% | 6.38% | 4.59% |