DSE : SOUTHEASTB
Southeast Bank PLC — Financial statements
Commercial Banks · Bangladesh
Last price 11.8 BDT (At close: Oct 28, 2026) · Market cap 17.03B
Latest research: Southeast Bank financial analysis: NPL 7.5% after write-offs, shortfall cleared, negative NII and no cash dividend under Tk2,000 crore rule (Oct 2026) · Southeast Bank: NPL halved to 7.5% and the Tk1,539 crore provision shortfall cleared, but net interest income turned negative in H1 2026
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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 | 32.35B | 33.30B | 29.12B | 22.05B | 20.19B | 18.92B |
| Interest Paid on Deposits | 33.43B | 31.18B | 25.10B | 19.39B | 17.04B | 16.00B |
| Net Interest Income | -1.08B | 2.12B | 4.02B | 2.66B | 3.14B | 2.92B |
| Gain (Loss) on Sale of Investments | 372.91M | -237.24M | -2.58B | 1.45B | 908.71M | -89.62M |
| Other Non-Interest Income | 21.38B | 17.70B | 15.14B | 12.58B | 12.72B | 11.75B |
| Total Non-Interest Income | 21.75B | 17.47B | 12.56B | 14.03B | 13.63B | 11.66B |
| Revenues Before Loan Losses | 20.68B | 19.58B | 16.58B | 16.69B | 16.77B | 14.58B |
| Provision for Loan Losses | 5.33B | 7.18B | 6.76B | 5.10B | 5.42B | 4.74B |
| Revenue | 15.35B | 12.40B | 9.82B | 11.60B | 11.35B | 9.85B |
| Salaries and Employee Benefits | 3.40B | 2.91B | 2.86B | 2.85B | 2.76B | 2.31B |
| Occupancy Expenses | 1.96B | 2.06B | 2.02B | 2.02B | 1.93B | 1.74B |
| Selling, General & Administrative | 528.89M | 503.49M | 541.82M | 754.21M | 600.58M | 493.92M |
| Other Non-Interest Expense | 2.96B | 2.44B | 2.52B | 2.46B | 2.22B | 2.05B |
| Total Non-Interest Expense | 8.84B | 7.91B | 7.95B | 8.08B | 7.51B | 6.59B |
| EBT Excluding Unusual Items | 6.50B | 4.49B | 1.87B | 3.51B | 3.84B | 3.26B |
| Pretax Income | 6.50B | 4.49B | 1.87B | 3.51B | 3.84B | 3.26B |
| Income Tax Expense | 2.30B | 1.14B | 1.44B | 1.38B | 2.08B | 1.47B |
| Earnings From Continuing Operations | 4.20B | 3.35B | 432.64M | 2.13B | 1.75B | 1.78B |
| Minority Interest in Earnings | 2.22M | 1.49M | 960.67K | -115.02K | -144.86K | -177.05K |
| Net Income | 4.20B | 3.35B | 433.60M | 2.13B | 1.75B | 1.78B |
| Net Income to Common | 4.20B | 3.35B | 433.60M | 2.13B | 1.75B | 1.78B |
| Basic Shares Outstanding | 1.43B | 1.43B | 1.43B | 1.43B | 1.43B | 1.43B |
| Diluted Shares Outstanding | 1.43B | 1.43B | 1.43B | 1.43B | 1.43B | 1.43B |
| EPS (Basic) | 2.94 | 2.34 | 0.30 | 1.49 | 1.22 | 1.25 |
| EPS (Diluted) | 2.94 | 2.34 | 0.30 | 1.49 | 1.22 | 1.25 |
| Dividend Per Share | 0.28 | 0.28 | 0.56 | 0.54 | 0.52 | 0.66 |
| Effective Tax Rate | 35.36% | 25.46% | 76.91% | 39.28% | 54.33% | 45.23% |
Balance sheet
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 18.28B | 15.49B | 29.27B | 26.21B | 13.82B | 30.23B |
| Investment Securities | 168.46B | 109.77B | 88.88B | 90.91B | 74.73B | 76.61B |
| Trading Asset Securities | 12.95B | 20.63B | 8.19B | 21.75B | 23.66B | |
| Total Investments | 168.46B | 122.72B | 109.51B | 99.11B | 96.48B | 100.26B |
| Gross Loans | 396.97B | 377.26B | 372.91B | 354.35B | 347.74B | 336.33B |
| Net Loans | 396.97B | 377.26B | 372.91B | 354.35B | 347.74B | 336.33B |
| Property, Plant & Equipment | 10.11B | 10.10B | 10.15B | 10.71B | 11.28B | 11.42B |
| Other Intangible Assets | 275.44M | 237.44M | ||||
| Accrued Interest Receivable | 3.54B | 3.08B | 2.97B | 2.96B | 3.23B | |
| Restricted Cash | 25.37B | 21.39B | 16.41B | 15.54B | 15.61B | 12.30B |
| Other Current Assets | 45.84M | 9.56M | 12.28M | 19.96M | 20.51M | |
| Other Long-Term Assets | 9.24B | 3.13B | 3.91B | 1.49B | 4.59B | 1.10B |
| Total Assets | 628.43B | 554.42B | 545.86B | 510.86B | 493.09B | 495.84B |
| Interest Bearing Deposits | 388.07B | 362.26B | 328.92B | 300.61B | 279.14B | 296.62B |
| Non-Interest Bearing Deposits | 71.49B | 72.83B | 79.11B | 82.62B | 88.70B | 76.81B |
| Total Deposits | 459.56B | 435.09B | 408.03B | 383.22B | 367.85B | 373.43B |
| Short-Term Borrowings | 6.70B | |||||
| Current Portion of Long-Term Debt | 42.35B | 10.49B | 18.18B | 18.57B | 21.39B | 25.32B |
| Other Current Liabilities | 14.32B | 4.15B | 3.31B | 3.18B | 3.30B | 3.27B |
| Long-Term Debt | 10.01B | 7.00B | 10.00B | 12.92B | 12.24B | 12.61B |
| Long-Term Leases | 664.32M | 629.84M | 567.31M | 710.08M | 666.94M | |
| Other Long-Term Liabilities | 65.81B | 62.56B | 67.46B | 60.35B | 56.84B | 50.54B |
| Total Liabilities | 592.05B | 519.95B | 514.31B | 478.81B | 462.33B | 465.84B |
| Common Stock | 13.37B | 13.37B | 13.37B | 12.86B | 12.36B | 11.89B |
| Retained Earnings | 18.27B | 16.33B | 13.54B | 14.78B | 13.99B | 13.77B |
| Comprehensive Income & Other | 4.68B | 4.71B | 4.63B | 4.41B | 4.40B | 4.32B |
| Total Common Equity | 36.33B | 34.42B | 31.54B | 32.04B | 30.76B | 29.99B |
| Minority Interest | 57.09M | 57.79M | 9.27M | 10.24M | 10.12M | 10.38M |
| Shareholders' Equity | 36.38B | 34.48B | 31.55B | 32.05B | 30.77B | 30.00B |
| Total Liabilities & Equity | 628.43B | 554.42B | 545.86B | 510.86B | 493.09B | 495.84B |
| Total Debt | 52.36B | 18.15B | 35.50B | 32.06B | 34.35B | 38.60B |
| Net Cash (Debt) | -34.08B | 10.29B | 14.40B | 2.34B | 1.22B | 15.28B |
| Net Cash Per Share | -23.81 | 7.19 | 10.06 | 1.64 | 0.85 | 10.68 |
| Filing Date Shares Outstanding | 1.43B | 1.43B | 1.43B | 1.43B | 1.43B | 1.43B |
| Total Common Shares Outstanding | 1.43B | 1.43B | 1.43B | 1.43B | 1.43B | 1.43B |
| Book Value Per Share | 25.39 | 24.05 | 22.04 | 22.39 | 21.49 | 20.96 |
| Tangible Book Value | 36.33B | 34.14B | 31.31B | 32.04B | 30.76B | 29.99B |
| Tangible Book Value Per Share | 25.39 | 23.86 | 21.88 | 22.39 | 21.49 | 20.96 |
Cash flow statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 4.20B | 3.35B | 433.60M | 2.13B | 1.75B | 1.78B |
| Depreciation & Amortization | 777.36M | 784.09M | 891.67M | 957.75M | 986.38M | 840.75M |
| Change in Trading Asset Securities | -1.20B | -281.26M | 394.40M | 951.91M | 427.79M | -1.61B |
| Change in Other Net Operating Assets | -16.41B | -17.12B | -24.43B | -5.46B | -14.79B | -12.36B |
| Other Operating Activities | 2.39B | 6.49B | 13.09B | 5.65B | 8.58B | 6.56B |
| Operating Cash Flow | -10.24B | -6.77B | -9.62B | 4.23B | -3.04B | -4.78B |
| Capital Expenditures | -214.89M | -327.39M | -127.95M | -286.00M | -686.54M | -878.16M |
| Sale of Property, Plant and Equipment | 10.64M | 9.58M | 1.35M | 1.02M | 1.77M | 70.34M |
| Investment in Securities | -60.09B | -11.08B | -11.93B | -3.42B | 2.00B | -18.48B |
| Other Investing Activities | -1.00 | |||||
| Investing Cash Flow | -60.29B | -11.39B | -12.06B | -3.70B | 1.31B | -19.29B |
| Long-Term Debt Issued | 2.20B | 2.80B | 5.00B | |||
| Long-Term Debt Repaid | -3.24B | -3.27B | -3.25B | -2.25B | -2.82B | |
| Lease Payments | -237.18M | -237.68M | -270.11M | -245.01M | -252.17M | -220.19M |
| Net Debt Issued (Repaid) | -3.24B | -3.24B | -1.07B | -445.01M | 2.75B | -2.82B |
| Common Dividends Paid | -756.00M | -504.00M | -771.57M | -741.90M | -951.15M | -1.19B |
| Net Increase (Decrease) in Deposit Accounts | 66.04B | 13.09B | 27.45B | 12.98B | -13.24B | 26.05B |
| Financing Cash Flow | 62.05B | 9.35B | 25.61B | 11.79B | -11.44B | 22.04B |
| Foreign Exchange Rate Adjustments | 285.46K | 11.81M | 8.60M | 87.83K | 64.19M | -4.26M |
| Net Cash Flow | -8.49B | -8.81B | 3.94B | 12.32B | -13.10B | -2.03B |
| Free Cash Flow | -10.46B | -7.10B | -9.75B | 3.95B | -3.73B | -5.66B |
| Free Cash Flow Margin | -68.14% | -57.26% | -99.26% | 34.05% | -32.83% | -57.50% |
| Free Cash Flow Per Share | -7.31 | -4.96 | -6.81 | 2.76 | -2.60 | -3.96 |
| Free Cash Flow After Leases | -10.69B | -7.34B | -10.02B | 3.70B | -3.98B | -5.88B |
| Cash Interest Paid | 33.25B | 30.75B | 23.46B | 19.11B | 16.58B | 16.83B |
| Cash Income Tax Paid | 2.19B | 1.55B | 1.14B | 1.98B | 1.58B | 1.32B |
Ratios
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 17.03B | 12.04B | 12.04B | 17.10B | 17.06B | 18.43B |
| Last Close Price | 11.90 | 8.16 | 8.16 | 10.91 | 10.41 | 10.63 |
| PE Ratio | 4.02 | 3.59 | 27.76 | 8.02 | 9.74 | 10.33 |
| PS Ratio | 1.11 | 0.97 | 1.23 | 1.48 | 1.50 | 1.87 |
| PB Ratio | 0.47 | 0.35 | 0.38 | 0.53 | 0.56 | 0.61 |
| P/FCF Ratio | 4.33 | |||||
| P/OCF Ratio | 4.04 | |||||
| Debt / Equity Ratio | 1.44 | 0.53 | 1.12 | 1.00 | 1.12 | 1.29 |
| Debt / FCF Ratio | 8.12 | |||||
| Net Debt / Equity Ratio | 0.94 | -0.30 | -0.46 | -0.07 | -0.04 | -0.51 |
| Net Debt / FCF Ratio | -3.26 | 1.45 | 1.48 | -0.59 | 0.33 | 2.70 |
| Return on Equity (ROE) | 12.19% | 10.15% | 1.36% | 6.79% | 5.77% | 5.98% |
| Return on Assets (ROA) | 0.71% | 0.61% | 0.08% | 0.43% | 0.35% | 0.37% |
| Earnings Yield | 24.90% | 27.85% | 3.60% | 12.48% | 10.27% | 9.68% |
| FCF Yield | -61.41% | -59.00% | -81.00% | 23.09% | -21.83% | -30.72% |
| Dividend Yield | 2.38% | 3.33% | 6.67% | 4.51% | 4.35% | 5.16% |
| Payout Ratio | 17.98% | 15.04% | 177.95% | 34.77% | 54.28% | 66.64% |
| Buyback Yield / Dilution | -3.38% | 0.00% | 0.00% | 0.00% | ||
| Total Shareholder Return | -1.01% | 3.33% | 6.67% | 4.51% | 4.35% | 5.16% |