DSE : STANDBANKL
Standard Islami Bank PLC. — Financial statements
Commercial Banks · Bangladesh
Last price 4 BDT (At close: Oct 29, 2026) · Market cap 4.46B
Latest research: Standard Islami Bank financial analysis: 29.9% NPI, BDT 59bn provision gap, Q3 loss (Oct 2026) · Standard Islami Bank: a 29.9% NPI, a BDT 59bn deferred provision gap and a Q3 2026 loss
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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 | 16.04B | 17.01B | 16.88B | 13.15B | 12.03B | 12.09B |
| Interest Paid on Deposits | 16.97B | 16.95B | 13.41B | 9.63B | 8.26B | 7.62B |
| Net Interest Income | -929.19M | 58.30M | 3.46B | 3.52B | 3.77B | 4.46B |
| Gain (Loss) on Sale of Investments | 2.59M | -553.98M | -2.06B | -200.89M | -14.77M | -6.76M |
| Other Non-Interest Income | 5.86B | 6.22B | 5.03B | 3.58B | 2.96B | 1.79B |
| Total Non-Interest Income | 5.87B | 5.67B | 2.97B | 3.38B | 2.94B | 1.79B |
| Revenues Before Loan Losses | 4.94B | 5.73B | 6.43B | 6.91B | 6.71B | 6.25B |
| Provision for Loan Losses | 41.16M | 47.59M | 36.64M | 21.27M | 212.19M | 305.38M |
| Revenue | 4.90B | 5.68B | 6.40B | 6.88B | 6.50B | 5.94B |
| Salaries and Employee Benefits | 2.71B | 2.80B | 2.84B | 3.28B | 3.35B | 2.91B |
| Occupancy Expenses | 798.45M | 630.45M | 633.97M | 604.83M | 699.07M | 728.73M |
| Selling, General & Administrative | 347.33M | 491.56M | 475.25M | 451.23M | 455.40M | 412.68M |
| Other Non-Interest Expense | 303.77M | 370.41M | 418.85M | 385.95M | 444.47M | 517.91M |
| Total Non-Interest Expense | 4.16B | 4.29B | 4.37B | 4.72B | 4.95B | 4.57B |
| EBT Excluding Unusual Items | 732.54M | 1.39B | 2.03B | 2.16B | 1.55B | 1.38B |
| Other Unusual Items | -2.81M | |||||
| Pretax Income | 732.54M | 1.39B | 2.03B | 2.16B | 1.55B | 1.38B |
| Income Tax Expense | 277.01M | 581.28M | 1.20B | 781.54M | 424.68M | 598.81M |
| Net Income | 455.53M | 804.61M | 828.39M | 1.38B | 1.12B | 778.61M |
| Net Income to Common | 455.53M | 804.61M | 828.39M | 1.38B | 1.12B | 778.61M |
| Basic Shares Outstanding | 1.12B | 1.12B | 1.12B | 1.12B | 1.12B | 1.12B |
| Diluted Shares Outstanding | 1.12B | 1.12B | 1.12B | 1.12B | 1.12B | 1.12B |
| EPS (Basic) | 0.41 | 0.72 | 0.74 | 1.24 | 1.01 | 0.70 |
| EPS (Diluted) | 0.41 | 0.72 | 0.74 | 1.24 | 1.01 | 0.70 |
| Dividend Per Share | 0.24 | 0.24 | 0.28 | |||
| Effective Tax Rate | 37.81% | 41.94% | 59.11% | 36.14% | 27.46% | 43.47% |
Balance sheet
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 40.57B | 42.36B | 28.65B | 18.49B | 15.96B | 19.49B |
| Investment Securities | 9.68B | 9.68B | 9.75B | 7.40B | 7.59B | 7.61B |
| Total Investments | 9.68B | 9.68B | 9.75B | 7.40B | 7.59B | 7.61B |
| Gross Loans | 217.04B | 288.24B | 276.74B | 216.36B | 199.50B | 184.37B |
| Allowance for Loan Losses | -8.95B | -8.94B | -7.83B | -5.37B | -4.91B | -4.76B |
| Other Adjustments to Gross Loans | -69.88B | -65.29B | -17.11B | -16.46B | -12.08B | |
| Net Loans | 208.09B | 209.42B | 203.62B | 193.88B | 178.13B | 167.54B |
| Property, Plant & Equipment | 4.94B | 4.76B | 4.53B | 4.36B | 4.11B | 4.18B |
| Other Intangible Assets | 13.36M | 13.36M | 21.71M | 31.87M | 46.20M | 18.66M |
| Accrued Interest Receivable | 2.76B | 2.49B | 1.48B | 1.28B | 784.24M | 93.60M |
| Other Receivables | 22.50M | 38.96M | 133.34M | 178.40M | 139.08M | 13.03M |
| Restricted Cash | 11.98B | 11.61B | 11.88B | 14.37B | 13.45B | 12.95B |
| Other Current Assets | 5.99B | 5.99B | 9.33B | 13.07B | 12.45B | 11.85B |
| Long-Term Deferred Tax Assets | 485.13M | 484.08M | 476.29M | 467.96M | 338.84M | 253.59M |
| Other Long-Term Assets | 1.55B | 1.27B | 941.54M | 1.08B | 927.52M | 1.09B |
| Total Assets | 286.07B | 288.11B | 270.82B | 254.61B | 233.93B | 225.09B |
| Accrued Expenses | 1.80B | 2.04B | 1.65B | 1.50B | 1.18B | 1.06B |
| Interest Bearing Deposits | 179.18B | 182.23B | 172.05B | 167.48B | 147.43B | 147.78B |
| Non-Interest Bearing Deposits | 18.02B | 17.38B | 18.09B | 16.57B | 15.82B | 13.01B |
| Total Deposits | 197.20B | 199.61B | 190.14B | 184.05B | 163.26B | 160.78B |
| Short-Term Borrowings | 28.28B | 28.36B | 22.30B | 16.00B | 20.47B | 19.08B |
| Current Income Taxes Payable | 6.46B | 6.38B | 10.52B | 13.74B | 12.87B | 12.40B |
| Accrued Interest Payable | 4.71B | 4.59B | 4.32B | 3.22B | 2.38B | 1.80B |
| Other Current Liabilities | 4.52B | 4.06B | 3.03B | 3.41B | 2.30B | 2.19B |
| Long-Term Leases | 17.02M | 17.02M | 47.12M | 84.67M | 129.21M | 184.98M |
| Long-Term Unearned Revenue | 92.33M | 87.80M | 79.90M | 61.65M | 43.10M | 15.97M |
| Pension & Post-Retirement Benefits | -168.59K | 10.06K | -169.59K | -170.99K | 7.57K | 7.57K |
| Other Long-Term Liabilities | 24.06B | 24.06B | 20.18B | 14.11B | 13.59B | 10.33B |
| Total Liabilities | 267.14B | 269.22B | 252.27B | 236.18B | 216.22B | 207.83B |
| Common Stock | 11.16B | 11.16B | 11.16B | 10.89B | 10.62B | 10.31B |
| Retained Earnings | 7.77B | 7.74B | 7.39B | 7.54B | 7.08B | 6.94B |
| Total Common Equity | 18.93B | 18.90B | 18.55B | 18.43B | 17.70B | 17.25B |
| Minority Interest | 165.84K | 172.06K | 172.06K | 169.73K | 164.55K | 158.53K |
| Shareholders' Equity | 18.93B | 18.90B | 18.55B | 18.43B | 17.70B | 17.25B |
| Total Liabilities & Equity | 286.07B | 288.11B | 270.82B | 254.61B | 233.93B | 225.09B |
| Total Debt | 28.30B | 28.37B | 22.35B | 16.09B | 20.60B | 19.26B |
| Net Cash (Debt) | 12.27B | 13.98B | 6.30B | 2.41B | -4.63B | 232.79M |
| Net Cash Per Share | 10.99 | 12.53 | 5.65 | 2.16 | -4.15 | 0.21 |
| Filing Date Shares Outstanding | 1.12B | 1.12B | 1.12B | 1.12B | 1.12B | 1.12B |
| Total Common Shares Outstanding | 1.12B | 1.12B | 1.12B | 1.12B | 1.12B | 1.12B |
| Book Value Per Share | 16.96 | 16.94 | 16.63 | 16.51 | 15.86 | 15.46 |
| Tangible Book Value | 18.91B | 18.88B | 18.53B | 18.40B | 17.66B | 17.23B |
| Tangible Book Value Per Share | 16.95 | 16.92 | 16.61 | 16.49 | 15.82 | 15.45 |
Cash flow statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 455.53M | 804.61M | 828.39M | 1.38B | 1.12B | 778.61M |
| Depreciation & Amortization | 168.19M | 167.42M | 170.06M | 195.63M | 250.89M | 304.87M |
| Other Amortization | 8.30M | 8.71M | 10.31M | 14.70M | 14.85M | 11.85M |
| Gain (Loss) on Sale of Assets | 8.14M | 8.21M | 281.66K | 333.69K | 186.39K | |
| Gain (Loss) on Sale of Investments | -9.02M | 564.59M | 2.06B | 200.89M | 39.95M | 442.55M |
| Provision for Credit Losses | 47.59M | 47.59M | 36.64M | 21.27M | 38.53M | |
| Change in Trading Asset Securities | 103.91M | 72.41M | -2.35B | 194.29M | 14.77M | -4.22B |
| Change in Other Net Operating Assets | -6.09B | 615.82M | -5.12B | -17.93B | -6.10B | -2.69B |
| Other Operating Activities | 9.93M | -1.02B | -150.53M | -814.71M | -1.67B | -3.76B |
| Operating Cash Flow | -5.30B | 1.27B | -4.52B | -16.73B | -6.29B | -9.14B |
| Capital Expenditures | -73.54M | -72.82M | -121.97M | -110.48M | -78.14M | -83.83M |
| Sale of Property, Plant and Equipment | 8.14M | 8.21M | 281.66K | 333.69K | 186.39K | |
| Investing Cash Flow | -65.39M | -64.61M | -121.69M | -110.48M | -77.81M | -83.65M |
| Long-Term Debt Issued | 3.50B | 6.00B | ||||
| Long-Term Debt Repaid | -990.00M | -1.79B | -1.05B | -800.00M | -1.20B | |
| Net Debt Issued (Repaid) | -990.00M | -990.00M | 1.71B | -1.05B | -800.00M | 4.80B |
| Common Dividends Paid | -272.16M | -265.52M | -318.62M | -251.50M | ||
| Net Increase (Decrease) in Deposit Accounts | 2.73B | 11.41B | 8.82B | 20.79B | 3.80B | 342.98M |
| Financing Cash Flow | 1.74B | 10.42B | 10.26B | 19.48B | 2.69B | 4.89B |
| Foreign Exchange Rate Adjustments | 1.42B | 1.80B | 2.05B | 824.82M | 645.46M | 252.12M |
| Net Cash Flow | -2.20B | 13.43B | 7.67B | 3.46B | -3.04B | -4.08B |
| Free Cash Flow | -5.37B | 1.20B | -4.64B | -16.84B | -6.37B | -9.22B |
| Free Cash Flow Margin | -109.71% | 21.15% | -72.56% | -244.67% | -97.96% | -155.09% |
| Free Cash Flow Per Share | -4.81 | 1.08 | -4.16 | -15.10 | -5.71 | -8.26 |
| Cash Interest Paid | 15.45B | 15.69B | 11.55B | 8.79B | 7.68B | 11.19B |
| Cash Income Tax Paid | -1.81B | 815.51M | 374.35M | 638.21M | 530.91M |
Ratios
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 4.46B | 5.47B | 6.70B | 9.36B | 9.35B | 11.03B |
| Last Close Price | 4.00 | 4.90 | 6.00 | 8.06 | 7.82 | 8.94 |
| PE Ratio | 9.80 | 6.79 | 8.08 | 6.78 | 8.33 | 14.17 |
| PS Ratio | 0.91 | 0.96 | 1.05 | 1.36 | 1.44 | 1.86 |
| PB Ratio | 0.24 | 0.29 | 0.36 | 0.51 | 0.53 | 0.64 |
| P/FCF Ratio | 4.55 | |||||
| P/OCF Ratio | 4.29 | |||||
| Debt / Equity Ratio | 1.50 | 1.50 | 1.21 | 0.87 | 1.16 | 1.12 |
| Debt / FCF Ratio | 23.62 | |||||
| Net Debt / Equity Ratio | -0.65 | -0.74 | -0.34 | -0.13 | 0.26 | -0.01 |
| Net Debt / FCF Ratio | 2.28 | -11.64 | 1.36 | 0.14 | -0.73 | 0.03 |
| Return on Equity (ROE) | 2.41% | 4.30% | 4.48% | 7.65% | 6.42% | 4.58% |
| Return on Assets (ROA) | 0.16% | 0.29% | 0.32% | 0.56% | 0.49% | 0.35% |
| Earnings Yield | 10.21% | 14.72% | 12.37% | 14.75% | 12.00% | 7.06% |
| FCF Yield | -120.34% | 21.97% | -69.32% | -179.91% | -68.14% | -83.56% |
| Dividend Yield | 2.91% | 2.84% | 2.80% | |||
| Payout Ratio | 32.85% | 19.23% | 28.40% | 32.30% | ||
| Buyback Yield / Dilution | 0.00% | |||||
| Total Shareholder Return | 2.91% | 2.84% | 2.80% |