Professional Documents
Culture Documents
Company profile:
Date of Registration
1st Branch
18 June 1995
Motijheel Branch, Dhaka
Opening Ceremony
27 September, 1995
Authorized Capital
5,000.00 Million
Paid-up Capital
4,677.28 Million
9,647.45 Million
78
Deposit
52,973.97 Million
Investment
53,582.96 Million
Number of Employees1,711
Number of Shareholders
49,386
Known As
AIBL
SWIFT Code
ALARBDDH
Category
Commercial
Type
Private
Origin
Local
Description
With a vision to emerge as the leading Islami bank in Bangladesh, Al-ArafaIslami Bank was established by some
religious personalities from commerce and industries of the country. To make significant contribution to the national
economy for sustainable growth was another agenda of the bank. AIBL presents all its services and products in complianc
with Islamic Laws (Shariah). A powerful Shariah Board is constituted by renowned Islamic scholars and economists of the
country and the board carefully scrutinizes each and every service and product before offering the same to the customers.
Deposit schemes
Investments
MudarabaLakhpoti Deposit
Scheme
MudarabaKotipoti Deposit
Scheme
Agriculture
Industry
Business
Foreign Trade
Construction and
Housing
Transportation
Hire Purchase
Mosque and
Madrasa
Village
Small Enterprise
Consumer
SME Banking
Facilitation of SME
entrepreneurs
Boosting up small
businesses
Facilitation of Agro
industries
Encouraging women
entrepreneurs
Micro Finance
Al-ArafaIslami Bank performs here in full compliance with Shariah.
Micro credit program of the bank is executed under supervision of Al-ArafaIslami Bank. Eight groups having five
members in each, create a Samitee. The credit is distributed to the members having all the other members of a group as
guarantor for it. Personal guarantee from a local eminent person is also accepted. The range of loan is from Tk. 3000 to Tk
50000 and the modes of loan are Fixed capital investment and Running capital investment.
Al-ArafaIslami Bank is still working with same spirit it started with 16 years back.
Liquidity Ratio
1. Cash position indicator
Year Formula
Value
CPI
2009
3,643,562,684+37,850,700,222/48,515,787,384
0.86
Cash +deposit/ Total asset
2010
4,245,822,704 +52,161,451,411/74,005,006,188
0.76
Cash +deposit/ Total asset
[5.b Cash Reserve Requirments (CRR) and Statutory Liquidity Requirments (SLR)
Cash Reserve Requirments(CRR) and Statutory Liquidity Requirments (SLR) have been calculated and
maintained in accordance with Section 33 of Bank Companies Act.1991 & as per Bangladesh bank Curcular
No: MPD/05 Dated: 01.12.10.]
2.
Year
Formula
Value
LSI ratio %
2009
3.09
Govt. sec / Total asset*100
1,500,000,000/48,515,787,384*100
2,000,000,000/74,005,006,188*100
2010
3.
2.7
Formula
Value
LA ratio
0.13
3,643,562,684+1,223,175,753+1,500,000,000/48,515,787,384
2010
0.12
Cash+ reserve+ GS/ TA
4,245,822,704+1,746,422,081+2,000,000,000/74,005,006,188
Leverage ratio
4. Debt ratio
Year
2009
2010
5.
Formula
TD/ TA
TD/ TA
Value
44,951,058,918/48,515,787,384
64,357,558,031/74,005,006,188
Debt ratio
0.93
0.87
Year formula
2009 Debt/ equity
Value
44,951,058,918/3,564,728,466
DE ratio
12.61
64,357,558,031/9,647,448,157
6.67
Formula
L &A / deposit
L &A / deposit
Value
/37,850,700,222
/52,161,451,411
Activity Ratio
7.
Year
2007
200
Formula
II/ Asset *100
Value
1,337,197,611/48,515,787,38*100
1,009,614,472/74,005,006,188*100
TA turnover
1.36 times
Profitability Ratio
9.
Year
2009
Return on Asset
Formula
NI/TA *100
Value
ROA
1.77
858,987,708/48,515,787,384*100
2010
2.45
NI/TA *100
1,816,137,207/74,005,006,188*100
9) Return on equity
Year
2009
Formula
Value
858,987,708/3,564,728,466*100
ROE
24.1
18.82
NI/ Total SH. Equity* 100
1,816,137,207/9,647,448,157*100
value
EPS
2009
2.00
858,987,708/428656737
NI/total no. of shares outstanding
2010
4.14
1,776,992,595/ 438,516,725
NI/total no. of shares outstanding
*note- 38
11.
Year
2009
Formula
2010
Value
858,987,708/1,337,197,611*100
P.A.Tax/II*
100
P.A.Tax/II*
100
NPM %
64.24
1,776,992,595/1,009,614,472*100 176
Market Ratio
Year
2009
2010
Formula
Market price per share/ EPS
Market price per share/ EPS
PER
9.53
13.24
Value
19.06/2.00
54.81/4.14
Formula
value
MPPS
19.06
54.81
Particular
Investment income
Profit paid to depositors
Net Investment Income
Commision, Exchage and other Income
Total Operating Income
Total Operating Expense
Profit before tax and provision
Provision on Investment and others
Profit Before tax
Provision for taxation
Net Profit after tax
EPS
2010
4,143.30
3,133.69
1,009.61
3,378.95
4,388.56
1,328.61
3,059.95
370.80
2,689.15
873.01
1,816.13
4.05
2009
4,004.54
2,667.34
1,337.20
1,301.10
2,638.29
908.47
1,729.83
140.59
1,589.24
730.25
858.99
4.775
Growth %
3.47
17.48
(24.50)
159.70
66.34
46.25
76.89
163.75
69.21
19.55
114.43
110.50
2010
Taka
2009
Taka
2010
(%)
2009(%
)
4,245,822,704
804,082,158
3,643,562,684
988,404,578
5.74
1.09
7.51
8,200,000,000
2,800,000,000
11.08
5.77
2,178,833,340
53,582,960,723
655,388,261
4,337,919,002
74,005,006,188
1,502,000,000
36,134,084,793
466,297,269
2,981,438,060
48,515,787,384
2.94
72.4
3.09461
74.4
.86
5.86
100
0.96112
6.14529
4809
4595
100
5,680,000,000
2,620,000,000
7.68
5.41
52,973,965,466
38,355,496,820
5,690,044,819
3,986,072,408
79.0577
6426
8.22
13,547,746
(10,510,310)
71.58
15972
7.688
4
0.018
64,357,558,031
44,951,058,918
86.96
13.04
92.65
7.35
100
100
2.04
9,647,448,157
74,005,006,188
3,564,728,466
48,515,787,384
(.022)
2010 %
2009%
2010
2009
Investment income
4,143.30
4,004.54
100
100
3,133.69
1,009.61
2,667.34
1,337.20
75.63
24.37
66.60
33.34
3,378.95
1,301.10
81.55
32.49
4,388.56
2,638.29
105.92
65.88
1,328.61
3,059.95
908.47
1,729.83
32.067
73.85
22.68
43.20
370.80
140.59
8.95
3.51
2,689.15
1,589.24
64.90
39.68
873.01
730.25
21.07
18.23
1,816.13
858.99
43.83
21.45
EPS
4.05
4.775
Horizontal analysis
Balance sheet
2010
Taka
2009
Taka
4,245,822,704
804,082,158
3,643,562,684
988,404,578
8,200,000,000
2,800,000,000
2,178,833,340
53,582,960,723
655,388,261
1,502,000,000
36,134,084,793
466,297,269
4,337,919,002
74,005,006,188
2,981,438,060
48,515,787,384
5,680,000,000
2,620,000,000
52,973,965,466
38,355,496,820
5,690,044,819
3,986,072,408
13,547,746
(10,510,310)
64,357,558,031
44,951,058,918
Change in tk
Change in %
602,260,020
16.53
-184,322,420
-18.64
5,400,000,000
192.85
676,833,340
45.062
17,448,875,930
48.289
189,090,992
40.55
1,356,480,942
45.49
25,489,218,804
52.53
3,060,000,000
116.79
14,618,468,646
38.11
1,703,972,411
42.74
24,058,056
-228.90
19,406,499,113
43.17
6,082,719,691
170.63
25,489,218,804
52.53798852
9,647,448,157
74,005,006,188
3,564,728,466
48,515,787,384
Change in
tk
Change in
%
2010
2009
Investment income
4,143.30
4,004.54
138.76
3.46
3,133.69
1,009.61
2,667.34
1,337.20
466.35
-327.59
17.48
-24.49
3,378.95
1,301.10
2,077.85
159.70
4,388.56
2,638.29
1,750.27
66.34
1,328.61
3,059.95
908.47
1,729.83
420.14
1,330.12
46.24
76.89
370.80
140.59
230.21
163.74
2,689.15
1,589.24
1,099.91
69.20
873.01
730.25
142.76
19.54
1,816.13
858.99
957.14
111.42
EPS
4.05
4.775
-0.73
15.18
Investment income increased by 3.47% compared to previous year due to increase investment Tk. 17,448.88 crore in
2010 and optimum utilization of surplus fund. On the other hand profit paid on deposits and borrowings increased by
17.48% compared to previous year.
Commission exchange and other income increased by 159.70% compared to previous year as our
Foreign exchange business increased by 52.22% compared to previous year.
Total operating expenses increased by 46.25% compared to previous year