Financial Ratios Bank Asia PLC.

Stocks

BANKASIA

BD0127BASIA9

Banks

End-of-day quote Dhaka S.E. 2026-09-30			5-day change	1st Jan Change
16.20 ^BDT	-0.61%		-4.14%	-3.42%

07-25	Bank Asia PLC. Reports Earnings Results for the Second Quarter and Six Months Ended June 30, 2026	CI
05-11	Bank Asia PLC. Reports Earnings Results for the First Quarter Ended March 31, 2026	CI

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Published financial data: BANK ASIA PLC.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021 (BDT)	2022 (BDT)	2023 (BDT)	2024 (BDT)	2025 (BDT)
Interest Income On Loans	18.42B	20.48B	23.38B	30.65B	28.8B
Interest Income, Total	18.42B	20.48B	23.38B	30.65B	28.8B
Interest On Deposits	12.73B	14.94B	17.07B	24.51B	30.08B
Interest Expense, Total	12.73B	14.94B	17.07B	24.51B	30.08B
Net Interest Income	5.69B	5.55B	6.31B	6.14B	-1.28B
Gain (Loss) on Sale of Invest. & Securities - (Rev)	2.41B	256M	763M	3.15B	3.07B
Total Other Non Interest Income	9.14B	14.89B	14.3B	17.59B	28.02B
Non Interest Income, Total	11.55B	15.14B	15.06B	20.74B	31.09B
Revenues Before Provison For Loan Losses	17.24B	20.69B	21.38B	26.88B	29.82B
Provision For Loan Losses	4.34B	4.29B	6.55B	10.02B	13.48B
Total Revenues	12.9B	16.4B	14.82B	16.86B	16.34B
Salaries And Other Employee Benefits	4B	5.18B	5.41B	5.84B	6.19B
Occupancy Expense	1.39B	1.59B	1.69B	1.69B	1.73B
Selling General & Admin Expenses, Total	286M	387M	420M	437M	547M
Total Other Non Interest Expense	2.7B	2.62B	2.48B	2.45B	2.73B
Non Interest Expense, Total	8.37B	9.78B	9.99B	10.41B	11.2B
EBT, Excl. Unusual Items	4.52B	6.62B	4.83B	6.45B	5.14B
EBT, Incl. Unusual Items	4.52B	6.62B	4.83B	6.45B	5.14B
Income Tax Expense	1.79B	3.57B	2.35B	3.58B	704M
Earnings From Continuing Operations	2.73B	3.05B	2.48B	2.87B	4.44B
Net Income to Company	2.73B	3.05B	2.48B	2.87B	4.44B
Minority Interest	-76	-11	-12	-33	-111
Net Income - (IS)	2.73B	3.05B	2.48B	2.87B	4.44B
Net Income to Common Incl Extra Items	2.73B	3.05B	2.48B	2.87B	4.44B
Net Income to Common Excl. Extra Items	2.73B	3.05B	2.48B	2.87B	4.44B
Per Share Items
Net EPS - Basic	1.96	2.19	1.78	2.06	3.19
Basic EPS - Continuing Operations	1.96	2.19	1.78	2.06	3.19
Basic Weighted Average Shares Outstanding	1.39B	1.39B	1.39B	1.39B	1.39B
Net EPS - Diluted	1.96	2.19	1.78	2.06	3.19
Diluted EPS - Continuing Operations	1.96	2.19	1.78	2.06	3.19
Diluted Weighted Average Shares Outstanding	1.39B	1.39B	1.39B	1.39B	1.39B
Normalized Basic EPS	2.03	2.97	2.17	2.9	2.31
Normalized Diluted EPS	2.03	2.97	2.17	2.9	2.31
Dividend Per Share	1.26	1.26	1.26	0.84	0.78
Payout Ratio	42.73	58.12	86.28	73.83	48.78
Supplemental Items
Effective Tax Rate - (Ratio)	39.68	53.89	48.68	55.55	13.68
Current Domestic Taxes	-	-	-	-	-
Total Current Taxes	1.79B	3.57B	2.35B	3.58B	704M
Deferred Domestic Taxes	-	-	-	-	-
Total Deferred Taxes	-	-	-	-	-
Normalized Net Income	2.83B	4.14B	3.02B	4.03B	3.22B
Non-Cash Pension Expense	362M	865M	380M	420M	432M

Fiscal Period: December	2021 (BDT)	2022 (BDT)	2023 (BDT)	2024 (BDT)	2025 (BDT)
Assets
Cash And Equivalents	48.97B	46.25B	26.47B	18.51B	8.98B
Investment Securities, Total	77.95B	104B	13.33B	15.2B	25.53B
Total investments	77.95B	104B	13.33B	15.2B	25.53B
Gross Loans	285B	305B	320B	332B	338B
Allowance For Loan Losses	-16.02B	-19.61B	-20.42B	-28.55B	-29.03B
Other Adjustments to Gross Loans	-4.27B	-4.4B	-5.1B	-7.33B	-10.41B
Net Loans	265B	281B	294B	297B	298B
Gross Property Plant And Equipment	11.92B	12.26B	13.37B	13.6B	14.19B
Accumulated Depreciation	-5.8B	-6.58B	-7.43B	-8.34B	-9.19B
Net Property Plant And Equipment	6.12B	5.68B	5.93B	5.27B	4.99B
Other Intangibles, Total	24M	24M	24M	24M	24M
Accrued Interest Receivable	1.62B	1.3B	2.07B	2.65B	2.86B
Other Receivables	178M	103M	163M	117M	150M
Restricted Cash	32.09B	23.28B	122B	184B	235B
Other Current Assets, Total	8.19B	8.14B	11.11B	11.88B	15.77B
Other Long-Term Assets, Total	885M	1.52B	1.26B	772M	733M
Total Assets	441B	471B	477B	535B	592B
Liabilities
Accrued Expenses, Total	1.8B	1.61B	1.76B	1.48B	1.42B
Interest Bearing Deposits	250B	265B	284B	339B	376B
Non-Interest Bearing Deposits	64.29B	68.53B	73.66B	74.24B	77.21B
Total Deposits	314B	334B	358B	414B	454B
Short-Term Borrowings	-	-	-	-	-
Current Portion of Long-Term Debt	-	-	-	-	-
Current Portion of Leases	-	-	-	-	-
Long-Term Debt	56.44B	60.36B	34.75B	25.79B	36.04B
Long-Term Leases	467M	341M	797M	511M	562M
Current Income Taxes Payable	10.18B	11.39B	13.69B	15.14B	14.99B
Accrued Interest Payable	151M	91.58M	72.81M	28.52M	67.36M
Other Current Liabilities - (Bank / Utility Template)	3.99B	4.25B	4.05B	3.16B	3B
Unearned Revenue Non Current	896M	806M	973M	1.38B	710M
Deferred Tax Liability Non-Current	472M	472M	472M	472M	-
Other Non Current Liabilities	24.98B	29.25B	32.83B	41.89B	46.38B
Total Liabilities	414B	442B	447B	504B	557B
Common Stock, Total	11.66B	11.66B	11.66B	11.66B	12.82B
Retained Earnings	13.38B	14.72B	15.11B	15.91B	17.7B
Comprehensive Income and Other	2.16B	2.09B	2.63B	4.24B	4.64B
Total Common Equity	27.2B	28.46B	29.4B	31.81B	35.17B
Minority Interest	10.27K	10.28K	10.3K	10.33K	70.44K
Total Equity	27.2B	28.46B	29.4B	31.81B	35.17B
Total Liabilities And Equity	441B	471B	477B	535B	592B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	1.39B	1.39B	1.39B	1.39B	1.39B
ECS Total Common Shares Outstanding	1.39B	1.39B	1.39B	1.39B	1.39B
Book Value / Share	19.55	20.46	21.13	22.86	25.27
Tangible Book Value	27.18B	28.44B	29.38B	31.78B	35.15B
Tangible Book Value Per Share	19.53	20.44	21.11	22.84	25.26
Total Debt	56.9B	60.71B	35.55B	26.31B	36.61B
Deposits at Interest - Cash	77.45B	65.45B	42.44B	35.57B	43.05B
Net Debt	7.94B	14.45B	9.08B	7.79B	27.62B
Full Time Employees	2.55K	2.86K	2.75K	2.69K	-
Number Of Offices	129	135	135	131	131
Assets under Capital Lease - Gross	355M	355M	355M	355M	355M
Assets under Capital Lease - Accumulated Depreciation	-355M	-355M	-355M	-355M	-355M

Fiscal Period: December	2021 (BDT)	2022 (BDT)	2023 (BDT)	2024 (BDT)	2025 (BDT)
Net Income	2.73B	3.05B	2.48B	2.87B	4.44B
Depreciation, Depletion & Amortization	793M	980M	1.03B	1.01B	1.01B
Total Depreciation, Depletion & Amortization	793M	980M	1.03B	1.01B	1.01B
(Gain) Loss on Sale of Investments - (CF)	-	-	90M	580M	506M
Total Asset Writedown	-	250M	50M	140M	171M
Provision for Credit Losses	-	4.29B	6.55B	10.02B	13.48B
Change in Other Net Operating Assets (Collected)	-5.78B	-12.59B	-40.47B	-12.14B	-2.79B
Other Operating Activities	5.09B	703M	-314M	1.34B	-3.11B
Cash from Operations	2.82B	-3.31B	-30.59B	3.82B	13.7B
Capital Expenditure	-474M	-307M	-435M	-181M	-239M
Investment in Marketable and Equity Securities, Total	16.96B	-25.89B	-11.96B	-62.13B	-43.38B
Cash from Investing	16.48B	-26.19B	-12.4B	-62.31B	-43.62B
Long-Term Debt Issued, Total	-	-	-	2B	-
Total Debt Issued	-	-	-	2B	-
Long-Term Debt Repaid, Total	-2.02B	-3.01B	-2.49B	-2.47B	-2.05B
Total Debt Repaid	-2.02B	-3.01B	-2.49B	-2.47B	-2.05B
Issuance of Common Stock	-	3.34B	340M	-	2B
Common Dividends Paid	-1.17B	-1.77B	-2.14B	-2.12B	-2.17B
Common & Preferred Stock Dividends Paid	-1.17B	-1.77B	-2.14B	-2.12B	-2.17B
Net Increase (Decrease) in Deposit Accounts - (CF)	14.93B	19.43B	23.95B	55.01B	39.83B
Cash from Financing	11.75B	17.98B	19.66B	52.42B	37.61B
Miscellaneous Cash Flow Adjustments	-	-	-	-	-
Net Change in Cash	31.05B	-11.52B	-23.32B	-6.07B	7.69B
Supplemental Items
Cash Interest Paid	13.64B	15.66B	17.68B	24.98B	30.01B
Cash Income Tax Paid (Refund)	1.31B	2.57B	2.86B	2.35B	4.01B
Net Debt Issued / Repaid	-2.02B	-3.01B	-2.49B	-470M	-2.05B

Fiscal Period: December	2021 (BDT)	2022 (BDT)	2023 (BDT)	2024 (BDT)	2025 (BDT)
Profitability
Return on Assets	0.64	0.67	0.52	0.57	0.79
Return On Equity %	10.03	10.97	8.57	9.37	13.26
Return on Common Equity	10.03	10.97	8.57	9.37	13.26
Shareholders Value Added	-536M	-288M	-993M	-805M	422M
Margin Analysis
SG&A Margin	44	43.63	50.69	47.21	51.82
Net Interest Income / Total Revenues %	44.15	33.83	42.59	36.44	-7.81
EBT Excl. Non-Recurring Items Margin %	35.07	40.37	32.58	38.27	31.49
Income From Continuing Operations Margin %	21.16	18.61	16.72	17.01	27.18
Net Income Margin %	21.16	18.61	16.72	17.01	27.18
Net Avail. For Common Margin %	21.16	18.61	16.72	17.01	27.18
Normalized Net Income Margin	21.92	25.23	20.36	23.92	19.68
Asset quality
Nonperforming Loans / Total Loans %	4.72	4.44	6.1	10.07	7.32
Nonperforming Loans / Total Assets %	3.05	2.87	4.09	6.25	4.17
Nonperforming Assets / Total Assets %	3.05	2.87	4.09	6.25	4.17
NPAs / Loans and OREO	4.72	4.44	6.1	10.07	7.32
NPAs / Equity	49.51	47.5	66.36	105.25	70.25
Allowance for Credit Losses / Net Charge-offs %	764.97	3.26K	552.7	751.59	224.69
Allowance for Credit Losses / Nonperforming Loans %	118.92	145.05	104.64	85.28	117.52
Allowance for Credit Losses / Total Loans %	5.61	6.44	6.39	8.59	8.6
Provision for Loan Losses / Net Charge-offs %	207.42	713.7	177.45	263.8	104.3
Capital And Funding
Total Average Common Equity / Total Average Assets %	6.39	6.11	6.11	6.05	5.94
Total Average Equity / Total Average Assets %	6.39	6.11	6.11	6.05	5.94
Total Equity + Allowance for Loan Losses / Total Loans %	15.15	15.78	15.59	18.16	19.01
Gross Loans / Total Deposits %	90.73	91.28	89.31	80.36	74.45
Net Loans / Total Deposits %	84.27	84.09	82.18	71.69	65.75
Tier 1 Capital Ratio %	9.4	11.28	12.21	11.55	11.15
Total Capital Ratio %	15.5	17.46	16.3	15.39	15.13
Core Tier 1 Capital Ratio	9.4	10.01	10.73	10.19	9.95
Tier 2 Capital Ratio	6.1	6.19	4.09	3.84	3.99
Coverage Ratio	118.92	145.05	104.64	85.28	117.52
Interbank Ratio	99.69	85.71	90.25	89.14	21.8
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.36	1.44	1.28	1.26	1.17
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	78.46	-2.58	13.81	-2.7	-120.78
Non Interest Income, 1 Yr. Growth %	15.14	31.17	-0.52	37.64	49.95
Provision For Loan Losses, 1 Yr. Growth %	146.67	-1.14	52.65	52.88	34.49
Total Revenues, 1 Yr. Growth %	12.56	27.14	-9.6	13.73	-3.07
Earnings From Cont. Operations, 1 Yr. Growth %	34.76	11.88	-18.79	15.7	54.84
Net Income, 1 Yr. Growth %	34.76	11.88	-18.79	15.7	54.84
Normalized Net Income, 1 Yr. Growth %	13.48	46.37	-27.04	33.58	-20.26
Diluted EPS Before Extra, 1 Yr. Growth %	34.76	11.88	-18.79	15.7	54.84
Dividend Per Share, 1 Yr. Growth %	49.99	0	0	-33.33	-6.5
Gross Loans, 1 Yr. Growth %	7.4	6.77	4.92	3.33	1.59
Allowance For Loan Losses, 1 Yr. Growth %	14.73	22.43	4.11	27.36	1.69
Net Loans, 1 Yr. Growth %	7.14	5.88	4.8	0.84	0.58
Non Performing Loans, 1 Yr. Growth %	69.84	0.37	44.31	71.59	-26.2
Non Performing Assets, 1 Yr. Growth %	69.84	0.37	44.31	71.59	-26.2
Total Assets, 1 Yr. Growth %	7.29	6.73	1.26	12.33	10.58
Total Deposits, 1 Yr Growth %	4.9	6.12	7.24	15.62	9.65
Tangible Book Value, 1 Yr. Growth %	-0.02	4.64	3.3	8.19	10.58
Common Equity, 1 Yr. Growth %	-0.02	4.63	3.3	8.18	10.57
Total Equity, 1 Yr. Growth %	-0.02	4.63	3.3	8.18	10.57
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-18.2	31.85	5.3	5.23	-55.03
Non Interest Income, 2 Yr. CAGR %	20.84	22.89	14.23	17.01	43.67
Provision For Loan Losses, 2 Yr. CAGR %	-12.62	56.16	22.85	52.76	43.39
Total Revenues, 2 Yr. CAGR %	9.65	19.63	7.21	1.39	4.99
Earnings From Cont. Operations, 2 Yr. CAGR %	18.05	22.79	-4.68	-3.07	33.84
Net Income, 2 Yr. CAGR %	18.05	22.79	-4.68	-3.07	33.84
Normalized Net Income, 2 Yr. CAGR %	6.64	28.88	3.34	-1.28	3.21
Diluted EPS Before Extra, 2 Yr. CAGR %	18.05	22.79	-4.68	-3.07	33.84
Dividend Per Share, 2 Yr. CAGR %	22.47	22.47	0	-18.35	-21.05
Gross Loans, 2 Yr. CAGR %	8.04	7.08	5.84	4.47	2.46
Allowance For Loan Losses, 2 Yr. CAGR %	14.21	18.52	12.9	20.66	13.81
Net Loans, 2 Yr. CAGR %	7.32	6.51	5.34	2.8	0.71
Non Performing Loans, 2 Yr. CAGR %	13.37	30.56	20.35	57.36	12.53
Non Performing Assets, 2 Yr. CAGR %	13.37	30.56	20.35	57.36	12.53
Total Assets, 2 Yr. CAGR %	11.35	7.01	3.96	6.64	11.45
Total Deposits, 2 Yr CAGR %	12.08	5.51	6.68	11.34	12.6
Tangible Book Value, 2 Yr. CAGR %	5.19	2.28	3.97	5.72	9.38
Common Equity, 2 Yr. CAGR %	5.19	2.28	3.96	5.71	9.37
Total Equity, 2 Yr. CAGR %	5.19	2.28	3.96	5.71	9.37
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-10.71	-13.29	25.54	2.56	-38.72
Non Interest Income, 3 Yr. CAGR %	21.75	24.19	14.53	21.55	27.1
Provision For Loan Losses, 3 Yr. CAGR %	5.44	-8.95	54.98	32.14	46.41
Total Revenues, 3 Yr. CAGR %	6.45	15.19	8.96	9.34	-0.12
Earnings From Cont. Operations, 3 Yr. CAGR %	6.9	15.95	6.98	1.68	13.31
Net Income, 3 Yr. CAGR %	6.9	15.95	6.98	1.68	13.31
Normalized Net Income, 3 Yr. CAGR %	-0.77	18.51	6.61	12.57	-8.06
Diluted EPS Before Extra, 3 Yr. CAGR %	6.9	15.95	6.98	1.68	13.31
Dividend Per Share, 3 Yr. CAGR %	46.59	14.47	14.47	-12.64	-14.58
Gross Loans, 3 Yr. CAGR %	7.72	7.62	6.36	5.23	3.5
Allowance For Loan Losses, 3 Yr. CAGR %	21.26	16.89	13.51	21.25	13.97
Net Loans, 3 Yr. CAGR %	6.8	6.84	5.94	3.82	2.06
Non Performing Loans, 3 Yr. CAGR %	15.2	8.86	34.99	35.46	22.26
Non Performing Assets, 3 Yr. CAGR %	15.2	8.86	34.99	35.46	22.26
Total Assets, 3 Yr. CAGR %	12.56	9.79	5.06	6.67	7.94
Total Deposits, 3 Yr CAGR %	12.88	10.05	6.08	9.57	10.78
Tangible Book Value, 3 Yr. CAGR %	5.43	5.01	2.62	5.35	7.31
Common Equity, 3 Yr. CAGR %	5.47	5	2.62	5.35	7.31
Total Equity, 3 Yr. CAGR %	5.47	5	2.62	5.35	7.31
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	6.34	-0.49	-4.62	-6.31	-16.74
Non Interest Income, 5 Yr. CAGR %	11.4	17.82	18.68	21.27	25.4
Provision For Loan Losses, 5 Yr. CAGR %	11.82	11.32	12.09	11.99	50.24
Total Revenues, 5 Yr. CAGR %	8.87	10.75	6.75	9.46	7.36
Earnings From Cont. Operations, 5 Yr. CAGR %	10.66	7.64	2.11	7.93	17.01
Net Income, 5 Yr. CAGR %	10.66	7.64	2.11	7.93	17.01
Normalized Net Income, 5 Yr. CAGR %	5.61	9.54	0.85	10.16	5.24
Diluted EPS Before Extra, 5 Yr. CAGR %	10.66	7.64	2.11	7.93	17.01
Dividend Per Share, 5 Yr. CAGR %	-	-	25.79	0	-1.34
Gross Loans, 5 Yr. CAGR %	10.2	7.73	6.97	6.35	4.92
Allowance For Loan Losses, 5 Yr. CAGR %	16.63	20.12	17.84	18.38	15.77
Net Loans, 5 Yr. CAGR %	9.74	6.97	6.21	5.2	3.82
Non Performing Loans, 5 Yr. CAGR %	8.77	9.36	17.24	26.15	25.51
Non Performing Assets, 5 Yr. CAGR %	8.77	9.36	17.24	26.15	25.51
Total Assets, 5 Yr. CAGR %	11.59	10.1	9.04	8.52	7.57
Total Deposits, 5 Yr CAGR %	10.99	10.42	10.36	10.57	8.64
Tangible Book Value, 5 Yr. CAGR %	7.58	6.32	4.84	5.29	5.27
Common Equity, 5 Yr. CAGR %	7.6	6.34	4.86	5.29	5.27
Total Equity, 5 Yr. CAGR %	7.6	6.34	4.86	5.29	5.27