Analysis of the Financial Health of this bank through Ratio analysis, Trend analysis, and Common Size Analysis

Recommendation based on the outcome of the analysis

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Shareholders' Value 2021 2020 Change over 2020 Earnings per Share (EPS) - Taka 2.16 214 1% Price Earining Ratio (Times) 6.47 5.57 16% Dividend (*) 12% 6% (Cash) 100% 6% (Stock) Net Asset Value (NAV) NAV per Share Taka 20,242 18,792 8% 21.32 19.79 8% Profitability & Performance Ratio - The Bank Return on Assets (ROA) (%) Return on Equity (ROE) (%) Return on Investment (ROI) (%) Operating Profit per Employee Assets per Employee 2021 2020 *Change over 2020 0.65 0.70 -7% 10.53 11.28 -7% 7.78 9.34 -17% 3.29 2.75 20% 166.68 156.26 7% Balance Sheet Focus - The Bank 2021 2020 Change over 2020 Balance Sheet Size 335,351 295,337 14% Shareholders Equity 20,242 18,792 8% Total Deposits Total Loans & Advances 230,417 205,667 12% 215,459 198,660 8% Classified Loans 7,145 6,227 15% Capital Adequacy-The Bank 2021 2020 Change over 2020 Tier- Capital Ratio (%) 9.08 8.86 2% Capital to Risk Weighted Assets Ratio (CRAR) (%) 14.65 14.52 1% Total Eligible Capital 31,334 29,016 8% Shareholders' Value 2021 2020 Change over 2020 Earnings per Share (EPS) - Taka 2.16 214 1% Price Earining Ratio (Times) 6.47 5.57 16% Dividend (*) 12% 6% (Cash) 100% 6% (Stock) Net Asset Value (NAV) NAV per Share Taka 20,242 18,792 8% 21.32 19.79 8% Profitability & Performance Ratio - The Bank Return on Assets (ROA) (%) Return on Equity (ROE) (%) Return on Investment (ROI) (%) Operating Profit per Employee Assets per Employee 2021 2020 *Change over 2020 0.65 0.70 -7% 10.53 11.28 -7% 7.78 9.34 -17% 3.29 2.75 20% 166.68 156.26 7% Balance Sheet Focus - The Bank 2021 2020 Change over 2020 Balance Sheet Size 335,351 295,337 14% Shareholders Equity 20,242 18,792 8% Total Deposits Total Loans & Advances 230,417 205,667 12% 215,459 198,660 8% Classified Loans 7,145 6,227 15% Capital Adequacy-The Bank 2021 2020 Change over 2020 Tier- Capital Ratio (%) 9.08 8.86 2% Capital to Risk Weighted Assets Ratio (CRAR) (%) 14.65 14.52 1% Total Eligible Capital 31,334 29,016 8%