DSE : UTTARABANK
Uttara Bank PLC. — Financial statements
Commercial Banks · Bangladesh
Last price 21.3 BDT (At close: Oct 29, 2026) · Market cap 25.83B
Latest research: Uttara Bank valuation report: fair value BDT 13.3–34.3 (Oct 2026) · Uttara Bank: fair value BDT 13–34 hinges on a 13.5% sustainable ROE against a 15.3% cost of equity
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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 | 25.70B | 23.32B | 20.22B | 14.58B | 12.78B | 11.49B |
| Interest Paid on Deposits | 15.17B | 11.83B | 8.32B | 6.68B | 5.98B | 5.89B |
| Net Interest Income | 10.53B | 11.49B | 11.90B | 7.90B | 6.80B | 5.60B |
| Gain (Loss) on Sale of Assets | -17.16M | -17.16M | -6.50M | -6.68M | -6.54M | -13.33M |
| Gain (Loss) on Sale of Investments | -91.67M | -46.00M | -48.48M | |||
| Other Non-Interest Income | 10.26B | 8.30B | 5.97B | 5.48B | 6.08B | 5.37B |
| Total Non-Interest Income | 10.24B | 8.28B | 5.87B | 5.47B | 6.03B | 5.31B |
| Revenues Before Loan Losses | 20.77B | 19.77B | 17.77B | 13.38B | 12.83B | 10.91B |
| Provision for Loan Losses | 1.89B | 2.58B | 1.90B | 1.13B | 1.47B | 1.49B |
| Revenue | 18.88B | 17.19B | 15.87B | 12.25B | 11.36B | 9.42B |
| Salaries and Employee Benefits | 6.07B | 5.64B | 4.93B | 4.65B | 4.62B | 3.98B |
| Occupancy Expenses | 731.66M | 753.97M | 720.25M | 597.76M | 648.09M | 594.74M |
| Selling, General & Administrative | 713.63M | 694.52M | 686.41M | 619.38M | 540.27M | 497.43M |
| Other Non-Interest Expense | 561.57M | 489.52M | 474.95M | 382.16M | 439.91M | 484.18M |
| Total Non-Interest Expense | 8.08B | 7.58B | 6.81B | 6.25B | 6.25B | 5.56B |
| EBT Excluding Unusual Items | 10.80B | 9.61B | 9.06B | 6.00B | 5.11B | 3.86B |
| Pretax Income | 10.80B | 9.61B | 9.06B | 6.00B | 5.11B | 3.86B |
| Income Tax Expense | 3.96B | 3.71B | 4.28B | 2.83B | 2.41B | 1.64B |
| Earnings From Continuing Operations | 6.84B | 5.90B | 4.78B | 3.17B | 2.71B | 2.22B |
| Minority Interest in Earnings | 6.96K | 4.87K | 5.74K | 1.86K | -451.00 | -7.53K |
| Net Income | 6.84B | 5.90B | 4.78B | 3.17B | 2.71B | 2.22B |
| Net Income to Common | 6.84B | 5.90B | 4.78B | 3.17B | 2.71B | 2.22B |
| Basic Shares Outstanding | 1.21B | 1.21B | 1.21B | 1.21B | 1.21B | 1.21B |
| Diluted Shares Outstanding | 1.21B | 1.21B | 1.21B | 1.21B | 1.21B | 1.21B |
| EPS (Basic) | 5.64 | 4.86 | 3.94 | 2.62 | 2.23 | 1.83 |
| EPS (Diluted) | 5.64 | 4.86 | 3.94 | 2.62 | 2.23 | 1.83 |
| Dividend Per Share | 0.40 | 0.40 | 1.19 | 1.06 | 0.74 | 0.65 |
| Effective Tax Rate | 36.69% | 38.64% | 47.20% | 47.12% | 47.05% | 42.48% |
Balance sheet
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 12.65B | 14.23B | 18.25B | 15.10B | 20.66B | 27.36B |
| Investment Securities | 100.85B | 75.49B | 49.62B | 41.57B | 38.91B | 40.81B |
| Total Investments | 100.85B | 75.49B | 49.62B | 41.57B | 38.91B | 40.81B |
| Gross Loans | 249.69B | 217.34B | 186.51B | 179.11B | 161.41B | 147.38B |
| Other Adjustments to Gross Loans | -48.78M | -43.88M | -48.85M | -35.57M | ||
| Net Loans | 249.69B | 217.34B | 186.46B | 179.06B | 161.36B | 147.35B |
| Property, Plant & Equipment | 3.26B | 2.94B | 3.02B | 2.72B | 2.76B | 2.83B |
| Other Intangible Assets | 16.40M | 22.56M | 3.37M | 6.99M | 12.71M | |
| Accrued Interest Receivable | 953.47M | 715.28M | 685.46M | 928.60M | 1.01B | |
| Other Receivables | 55.41M | 41.86M | 188.31M | 186.48M | 211.28M | |
| Restricted Cash | 12.48B | 8.04B | 8.22B | 6.05B | 5.95B | 7.02B |
| Other Current Assets | 293.44M | 430.50M | 15.38B | 12.76B | 11.23B | |
| Long-Term Deferred Tax Assets | 11.48M | 1.88M | ||||
| Other Real Estate Owned & Foreclosed | 55.32M | 55.62M | 56.02M | 56.42M | 60.73M | 61.71M |
| Other Long-Term Assets | 6.09B | 2.32B | 2.42B | 2.83B | 2.57B | 2.13B |
| Total Assets | 385.09B | 321.73B | 269.25B | 263.66B | 246.15B | 240.03B |
| Accounts Payable | 163.56K | 836.51K | 128.47K | |||
| Accrued Expenses | 1.68B | 1.61B | 957.43M | 903.77M | 780.37M | |
| Interest Bearing Deposits | 225.10B | 181.44B | 148.48B | 141.61B | 133.58B | 128.42B |
| Non-Interest Bearing Deposits | 89.51B | 77.70B | 64.77B | 57.66B | 57.46B | 60.78B |
| Total Deposits | 314.61B | 259.13B | 213.25B | 199.27B | 191.04B | 189.20B |
| Current Portion of Long-Term Debt | 1.04B | 1.08B | 1.98B | 1.55B | 1.77B | |
| Current Income Taxes Payable | 5.37B | 5.48B | 18.54B | 15.72B | 13.34B | |
| Other Current Liabilities | 10.91B | 10.01B | 10.05B | 8.47B | 5.60B | 6.14B |
| Long-Term Debt | 4.04B | 645.85M | 938.71M | 1.01B | 310.82M | 195.69M |
| Long-Term Leases | 175.66M | 239.95M | 136.70M | 203.56M | 266.45M | |
| Long-Term Unearned Revenue | 398.86K | 398.86K | 398.86K | 785.43K | 785.43K | |
| Long-Term Deferred Tax Liabilities | 253.00M | 61.97M | 90.56M | 90.56M | 93.64M | |
| Other Long-Term Liabilities | 22.18B | 12.43B | 10.06B | 10.41B | 10.26B | 9.71B |
| Total Liabilities | 351.73B | 290.73B | 242.77B | 240.88B | 225.68B | 221.50B |
| Common Stock | 12.13B | 9.70B | 8.26B | 7.34B | 6.44B | 5.65B |
| Retained Earnings | 19.00B | 19.21B | 16.26B | 13.75B | 12.40B | 11.30B |
| Comprehensive Income & Other | 2.22B | 2.09B | 1.96B | 1.69B | 1.63B | 1.59B |
| Total Common Equity | 33.35B | 31.00B | 26.48B | 22.78B | 20.47B | 18.54B |
| Minority Interest | 135.33K | 25.16K | 30.03K | 35.77K | 37.63K | 37.18K |
| Shareholders' Equity | 33.35B | 31.00B | 26.48B | 22.78B | 20.47B | 18.54B |
| Total Liabilities & Equity | 385.09B | 321.73B | 269.25B | 263.66B | 246.15B | 240.03B |
| Total Debt | 4.04B | 1.86B | 2.26B | 3.13B | 2.07B | 2.23B |
| Net Cash (Debt) | 8.62B | 12.37B | 15.99B | 11.97B | 18.59B | 25.13B |
| Net Cash Per Share | 7.11 | 10.20 | 13.18 | 9.87 | 15.33 | 20.73 |
| Filing Date Shares Outstanding | 1.21B | 1.21B | 1.21B | 1.21B | 1.21B | 1.21B |
| Total Common Shares Outstanding | 1.21B | 1.21B | 1.21B | 1.21B | 1.21B | 1.21B |
| Book Value Per Share | 27.50 | 25.56 | 21.83 | 18.78 | 16.88 | 15.29 |
| Tangible Book Value | 33.35B | 30.98B | 26.46B | 22.78B | 20.46B | 18.53B |
| Tangible Book Value Per Share | 27.50 | 25.55 | 21.82 | 18.78 | 16.87 | 15.28 |
Cash flow statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 6.84B | 5.90B | 4.78B | 3.17B | 2.71B | 2.22B |
| Depreciation & Amortization | 240.29M | 286.25M | 271.17M | 221.93M | 217.72M | 212.73M |
| Other Amortization | 6.16M | 6.16M | 5.11M | 3.62M | 5.75M | 9.61M |
| Change in Trading Asset Securities | -16.93B | -12.18B | -8.87B | -8.77B | -1.21B | -2.84B |
| Change in Other Net Operating Assets | -67.01B | -35.52B | -15.65B | -18.15B | -15.51B | -15.09B |
| Other Operating Activities | 6.31B | 7.74B | 10.23B | 861.25M | 3.55B | 1.90B |
| Operating Cash Flow | -70.55B | -33.77B | -9.23B | -22.66B | -10.25B | -13.58B |
| Capital Expenditures | -615.54M | -224.27M | -600.96M | -192.29M | -155.02M | |
| Sale of Property, Plant and Equipment | 2.54M | 2.54M | 1.59M | 1.54M | 4.63M | 444.04M |
| Investment in Securities | -21.37B | -13.69B | 759.24M | 6.17B | 3.12B | -6.36B |
| Investing Cash Flow | -21.98B | -13.91B | 159.87M | 5.98B | 2.97B | -5.91B |
| Common Dividends Paid | -503.76M | -1.43B | -1.24B | -870.30M | -765.17M | -1.08B |
| Net Increase (Decrease) in Deposit Accounts | 92.97B | 44.88B | 15.59B | 12.06B | 1.03B | 13.05B |
| Financing Cash Flow | 92.46B | 43.45B | 14.35B | 11.19B | 265.88M | 11.97B |
| Foreign Exchange Rate Adjustments | 70.60M | 39.34M | 35.87M | 27.18M | -763.10M | -123.06M |
| Net Cash Flow | 468.01K | -4.19B | 5.31B | -5.46B | -7.77B | -7.65B |
| Free Cash Flow | -71.17B | -34.00B | -9.83B | -22.85B | -10.40B | -13.58B |
| Free Cash Flow Margin | -376.98% | -197.79% | -61.96% | -186.55% | -91.53% | -144.19% |
| Free Cash Flow Per Share | -58.68 | -28.03 | -8.11 | -18.84 | -8.58 | -11.20 |
| Cash Interest Paid | 13.73B | 10.97B | 7.98B | 8.08B | 5.45B | 5.44B |
| Cash Income Tax Paid | 939.53M | 168.53M | -2.59B | 2.22B | 1.68B | 1.77B |
Ratios
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 25.83B | 22.12B | 18.50B | 16.37B | 15.00B | 14.40B |
| Last Close Price | 21.30 | 17.88 | 13.91 | 11.48 | 9.93 | 9.08 |
| PE Ratio | 3.77 | 3.75 | 3.87 | 5.16 | 5.54 | 6.49 |
| PS Ratio | 1.35 | 1.29 | 1.17 | 1.34 | 1.32 | 1.53 |
| PB Ratio | 0.73 | 0.71 | 0.70 | 0.72 | 0.73 | 0.78 |
| Debt / Equity Ratio | 0.12 | 0.06 | 0.09 | 0.14 | 0.10 | 0.12 |
| Net Debt / Equity Ratio | -0.26 | -0.40 | -0.60 | -0.53 | -0.91 | -1.36 |
| Net Debt / FCF Ratio | 0.12 | 0.36 | 1.63 | 0.52 | 1.79 | 1.85 |
| Return on Equity (ROE) | 22.62% | 20.52% | 19.42% | 14.67% | 13.88% | 12.33% |
| Return on Assets (ROA) | 2.01% | 2.00% | 1.80% | 1.24% | 1.11% | 0.96% |
| Earnings Yield | 26.55% | 26.66% | 25.86% | 19.39% | 18.04% | 15.42% |
| FCF Yield | -225.36% | -153.69% | -53.16% | -139.63% | -69.35% | -94.33% |
| Dividend Yield | 1.88% | 2.19% | 7.81% | 7.85% | 6.01% | 5.49% |
| Payout Ratio | 6.95% | 24.18% | 25.92% | 27.43% | 28.27% | 48.70% |
| Buyback Yield / Dilution | -0.02% | 0.00% | ||||
| Total Shareholder Return | 1.88% | 2.19% | 7.81% | 7.83% | 6.01% | 5.49% |