Bangladesh Commerce Bank Ltd

Financial Statements & Report

 




December 16, 2018 05:20:21 pm

$ USD
TT-Clean 82.9500 TK
BC-Selling: 83.9500 TK
OD-Sight: 82.7500 TK
TT-Selling: 83.9000 TK
€ EURO
TT-Clean: 92.8555 TK
BC-Selling: 97.3555 TK
OD-Sight: 92.6282 TK
£ POUND
TT-Clean: 102.2907 TK
BC-Selling: 106.7907   TK
OD-Sight:

102.0383 TK

 

Figure in Million

BALANCE SHEET METRIC

2012

2011

2010

2009

2008

Authorized capital

10,000

10,000

10,000

2,000

2,000

Paid up capital

1,989

1,989

1,989

920

920

Shareholders' equity

2,328

2,217

2,146

1,018

1,020

Deposits

15,611

13,877

12,188

7,605

6,787

Borrowings

155

-

1,000

-

-

Loans and advances

12,250

11,334

8,266

6,256

5,786

Credit to deposit ratio (Gross)

78.47%

81.67%

67.82%

82.26%

85.25%

Credit to deposit ratio - Gross (excluding OBU loans)

78.47%

81.67%

67.82%

82.26%

85.25%

Investments

2,796

1,953

1,472

710

645

Fixed Assets

165

92

48

39

37

Interest bearing assets

10,697

10,337

7,198

4,771

4,206

Total assets

19,545

17,391

15,578

9,428

8,521

 

INCOME STATEMENT METRIC

2012

2011

2010

2009

2008

Net interest income (excluding Investment Income)

407

598

305

353

112

Non-interest income

64

55

43

22

18

Investment Income

319

115

179

72

49

Non Investment Income (Exchange, fees & charges)

96

132

91

44

37

Operating Revenue

886

900

618

491

216

Operating Profit (Profit before provision and tax)

300

499

325

288

30

Provision for loans, investment and other assets

123

275

163

136

-

Profit before tax

177

224

162

152

30

Profit after tax (PAT)

101

69

63

42

27

 

CAPITAL METRIC

2012

2011

2010

2009

2008

Risk weighted assets (RWA) under Basel II (Basel I for 2008).

18,018

14,914

13,537

5,723

4,983

Core capital (Tier 1)

1,744

1,984

1,793

1,003

954

Supplementary capital (Tier 2)

136

135

103

79

65

Total Capital / Regulatory capital (Tier 1 and 2)

1,880

2,119

1,896

1,082

1,019

Statutory capital (Paid up capital and statutory reserve)

2,168

2,132

2,087

986

955

Capital adequacy ratio (Regulatory capital/RWA)  [Basel II from 2009 & Basel I for 2008]-Solo Basis.

10.43%

14.21%

14.01%

18.91%

20.45%

Core capital (Tier 1) to RWA

9.68%

13.30%

13.25%

17.53%

19.15%

RWA to total assets [Basel II from 2009 & Basel I for 2008]

92.19%

85.76%

86.90%

60.70%

58.48%

 

CREDIT QUALITY

2012

2011

2010

2009

2008

Non performing/classified loans (NPLs)

1,553

997

1,068

1,485

1,580

Specific Provision

438

460

367

279

-

General Provision

107

103

89

59

-

NPL to total loans and advance

12.87%

9.56%

13.18%

23.74%

27.30%

 

TRADE BUSINESS METRIC

2012

2011

2010

2009

2008

Export

3058

2219

1200

1021

979

Import (LC)

5426

7389

4404

3513

2277

Guarantee

387

519

101

104

399

Remittance

360

183

102

13

6

 

EFFICIENCY/PRODUCTIVITY RATIOS

2012

2011

2010

2009

2008

Return on average equity (ROE)

4.34%

3.11%

2.94%

4.13%

2.65%

Return on average assets (ROA) (PAT/average assets)

0.52%

0.40%

0.40%

0.45%

0.32%

Cost to income ratio (Operating expense/Total Revenue)

66.10%

44.60%

47.30%

41.20%

86.20%