IFIC Bank Limited (IFIC) - (IFIC Bank Limited) - Bank - Dhaka Stock Exchange - Share market analysis of dhaka stock exchange, Bangladesh
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IFIC Bank Limited (IFIC)

(IFIC Bank Limited) - Bank - Dhaka Stock Exchange

19.00 0.20    1.06%
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Volume   1,604,957 0.00 19.20 18.80
Open   18.80
Open: 18.80
Closed Last Update:  23 November 02:29 PM

Financial Statements Period Latest financial statements withBangladeshi Taka where financial year ends on December

2012
(Year)
2013
(Year)
2014
(Year)
2015
(Year)
2016
(Year)
Balance Sheet
Total assets 115,506,870,848 133,403,308,674 159,044,135,395 180,737,393,078 200,251,063,674.00
Total liabilities 107,640,500,599 124,157,566,749 147,147,126,485 168,367,011,894 186,328,664,856.00
Shareholders' equity 7,866,364,249 9,245,735,925 11,897,001,465 12,370,373,663 13,922,392,257.00
Total liabilities and shareholders' equity 115,506,870,848 133,403,308,674 159,044,135,395 180,737,393,078 200,251,063,674.00
Book Value Per Share 22.73 24.29 27.18 24.57 24.69
Paid up capital 3,460,473,750 3,806,521,120 4,377,499,280 5,034,124,170 5,638,219,070.00
Income statement
Net interest income 2,861,583,265 2,606,764,518 3,405,176,270 3,774,510,082 4,405,426,276.00
Total operating income 6,359,343,433 6,629,110,403 7,737,344,598 11,854,492,834 8,652,852,760.00
Total operating expenses 3,127,454,735 3,643,916,768 4,525,709,102 4,468,279,355 5,193,836,662.00
Profit before provision against loans and advances 3,231,888,698 2,985,193,635 3,211,635,496 7,386,213,479 3,841,837,614.00
Total provision 1,769,464,465 240,160,392 499,344,377 2,050,581,490 1,371,932,309.00
Profit before tax 1,462,424,233 2,745,033,243 3,204,881,730 5,095,507,326 2,469,905,305.00
Net profit after tax 1,133,840,736 1,370,933,641 2,061,109,962 4,351,401,959 1,582,530,322.00
Audited EPS 3.28 3.6 4.71 8.64 2.81
Cash Flow
Net cash from operating activities 9,977,451,578 14,264,417,186 4,983,026,192 (1,576,469,468) 694,685,972.00
Net cash used in investing activities (563,300,141) (5,627,577,922) (2,836,166,805) (6,279,884,034) 2,644,717,523.00
Net Cash used in financing activities (239,765,188) -- 2,083,768,811 1,562,221,297 2,162,885,585.00
Net increase/(decrease) in cash and cash equivalents 9,174,386,249 8,636,839,264 4,230,628,198 (6,294,132,205) 5,502,289,080.00
Cash & Cash Equivalents at beginning of the year 17,805,611,013 26,979,997,262 19,729,565,720 23,908,092,411 17,608,744,275.00
Cash and cash equivalents at end of the year 26,979,997,262 35,616,836,526 23,908,092,411 17,608,744,275 23,091,914,737.00
2012
(Year)
2013
(Year)
2014
(Year)
2015
(Year)
2016
(Year)
Cash 9,582,866,983 9,694,857,863 10,402,677,369 11,883,940,873 14,079,419,866.00
In hand (Including foreign currencies) 1,793,372,821 2,027,983,219 1,833,243,747 1,648,726,967 2,018,405,559.00
Balances with Bangladesh bank and sonali bank (Including foreign currencies) 7,789,494,162 7,666,874,644 8,569,433,622 10,235,213,906 12,061,014,307.00
Balance with other banks and financial institution 5,158,506,347 10,028,287,316 12,049,563,141 5,717,048,302 9,008,977,771.00
In Bangladesh 3,497,911,209 8,754,990,093 11,214,966,414 3,827,088,364 7,592,399,021.00
Outside Bangladesh 1,660,595,138 1,273,297,223 834,596,727 1,889,959,938 1,416,578,750.00
Money at call and short notice 950,000,000 -- 1,450,000,000 -- --
Investment in shares & securities 15,836,154,786 21,294,982,636 24,030,515,228 29,113,754,270 26,279,460,893.00
Government 11,311,623,934 15,893,691,348 17,217,294,297 23,596,892,752 20,754,752,878.00
Others 4,524,530,852 5,401,291,288 6,813,220,931 5,516,861,518 5,524,708,015.00
Loans and advances/Investment 78,446,281,797 86,020,739,530 104,419,397,669 125,668,039,638 141,258,758,320.00
Loans, cash credits, overdrafts/General Investments 71,546,062,534 79,899,715,032 96,670,129,520 116,635,497,917 132,138,872,955.00
Bills discounted and purchased 6,900,219,263 6,121,024,498 7,749,268,149 9,032,541,721 9,119,885,365.00
Land, building, furniture and fixtures (Including leased assets) 2,367,569,482 2,358,801,815 2,946,853,254 3,244,881,023 3,498,780,629.00
Non-Banking Assets -- 373,474,800 373,474,800 373,474,800 373,474,800
Other assets 3,165,491,453 3,632,164,714 3,371,653,934 4,736,254,172 5,752,191,395.00
Total assets 115,506,870,848 133,403,308,674 159,044,135,395 180,737,393,078 200,251,063,674
Borrowings from other banks, financial institutions and agents 1,111,976,655 780,065,530 5,924,591,258 7,493,454,676 6,161,734,496.00
Deposits and other accounts 92,481,115,043 107,990,281,917 129,863,053,203 146,848,211,304 160,132,621,436.00
Current /Al-Wadeeah current and other deposit accounts 11,588,588,434 12,817,554,019 15,582,027,154 17,440,029,998 20,040,265,832.00
Savings deposits/Mudaraba Savings Deposits 11,468,553,820 13,890,783,163 18,366,462,687 24,496,108,248 27,886,177,596.00
Mudarabba/ Term and Fixed deposits 65,317,764,044 76,702,440,925 94,039,587,998 103,438,502,428 110,130,532,901.00
Other Deposits/ Mudarabba Deposits 2,613,797,586 3,005,674,356 -- -- --
Bills payable 1,492,411,159 1,573,829,454 1,874,975,364 1,473,570,630 2,075,645,107.00
Other liabilities 14,047,408,901 15,387,219,302 11,359,482,024 14,025,345,914 16,534,308,924.00
Subordinated Debt/Mudaraba bond -- -- -- -- 3,500,000,000
Total liabilities 107,640,500,599 124,157,566,749 147,147,126,485 168,367,011,894 186,328,664,856
Shareholders' equity 7,866,364,249 9,245,735,925 11,897,001,465 12,370,373,663 13,922,392,257
Minority Interest 6,000 6,000 7,445 7,521 6,561.00
Total liabilities and shareholders' equity 115,506,870,848 133,403,308,674 159,044,135,395 180,737,393,078 200,251,063,674
Book Value Per Share 22.73 24.29 27.18 24.57 24.69
Paid up capital 3,460,473,750 3,806,521,120 4,377,499,280 5,034,124,170 5,638,219,070
Regulatory Capital 7,923,695,690 9,630,845,995 -- -- --
Risk weighted assets 77,798,800,000 92,915,367,884 -- -- --
Non-performing loan 4,095,545,142 3,168,075,712 -- -- --
Total provisioning 1,611,799,882 (145,290,413) -- -- --
Cost of deposits/funds 0.07 0.07 -- -- --
Interest earning assets 94,235,471,605 109,474,123,577 -- -- 150,267,736,091.00
No. of Employees 2,422 2,574 -- -- --
No. of Branches 106 112 -- -- --
2012
(Year)
2013
(Year)
2014
(Year)
2015
(Year)
2016
(Year)
Interest income 10,520,385,971 11,157,042,069 11,924,197,296 12,720,241,526 12,552,253,073.00
Interest paid on deposits and borrowings 7,658,802,706 8,550,277,551 8,519,021,026 8,945,731,444 8,146,826,797.00
Net interest income 2,861,583,265 2,606,764,518 3,405,176,270 3,774,510,082 4,405,426,276
Income from investments 1,813,933,609 2,192,253,088 2,378,647,190 2,281,973,080 2,103,580,097.00
Commission, exchange and brokerage Income 1,254,026,405 1,319,763,289 1,423,651,023 1,519,705,704 1,552,391,886.00
Other operating income 429,800,154 510,329,508 529,870,115 4,278,303,968 591,454,501.00
Total operating income 6,359,343,433 6,629,110,403 7,737,344,598 11,854,492,834 8,652,852,760
Salaries, allowances and other benefits 1,788,996,149 1,910,600,460 2,475,625,867 2,231,581,713 2,373,808,573.00
Charges on loan losses and portfolio 578,731,227 35,777,187 -- 69,825,108 281,172,341.00
Other operating expense 759,727,359 1,697,539,121 2,050,083,235 2,166,872,534 (2,654,980,914.00)
Total operating expenses 3,127,454,735 3,643,916,768 4,525,709,102 4,468,279,355 5,193,836,662
Profit before provision against loans and advances 3,231,888,698 2,985,193,635 3,211,635,496 7,386,213,479 3,841,837,614
Total provision 1,769,464,465 240,160,392 499,344,377 2,050,581,490 1,371,932,309
Extraordinary gains and losses -- -- 492,590,611 (240,124,663) --
Profit before tax 1,462,424,233 2,745,033,243 3,204,881,730 5,095,507,326 2,469,905,305
Current Tax 1,006,863,357 1,101,878,414 1,301,314,763 966,255,904 717,569,284.00
Deferred tax (678,279,860) 272,221,188 (157,542,995) (222,150,537) 169,805,699.00
Provision for tax 328,583,497 1,374,099,602 1,143,771,768 744,105,367 887,374,983.00
Net profit after tax 1,133,840,736 1,370,933,641 2,061,109,962 4,351,401,959 1,582,530,322
Audited EPS 3.28 3.6 4.71 8.64 2.81
2012
(Year)
2013
(Year)
2014
(Year)
2015
(Year)
2016
(Year)
Interest receipts/Investment income in cash 10,520,385,971 13,189,956,060 14,319,189,765 14,766,733,413 14,469,282,654.00
Interest payments/Profit paid on deposits in cash (7,658,802,706) (8,550,277,551) (8,740,274,155) (8,978,636,056) (8,307,226,698.00)
Dividend receipts from investment in shares & securities 53,213,728 83,972,568 106,248,532 161,080,469 75,411,582.00
Fees and commission receipts in cash 1,151,880,094 1,319,763,289 1,423,651,023 1,512,245,117 1,581,266,572.00
Recoveries of loans previously written off 175,200,118 648,876,150 194,316,107 91,978,387 433,046,280.00
Cash payments to employees (1,639,222,255) (1,724,260,460) (2,509,285,867) -- (2,317,928,573.00)
Cash payments to suppliers -- -- (237,324,678) (2,295,434,213) (349,128,233)
Income taxes paid (872,717,004) (1,031,213,745) (1,207,026,021) (254,380,826) (1,054,531,613.00)
Extra-ordinary income -- -- -- (1,046,898,362) --
Receipts from other operating activities 2,292,666,344 585,696,037 588,990,468 528,027,210 607,880,367.00
Payments from other operating activities (1,124,007,033) (1,381,330,651) (1,555,292,691) (1,471,425,558) (1,825,282,694.00)
Cash generated from operating activities before changes in operating assets and liabilities 2,898,597,257 3,141,181,697 2,383,192,483 3,013,289,581 3,312,789,644.00
Loans and advances to consumers (13,017,932,433) (7,574,457,732) (17,220,713,652) (20,618,792,622) (15,040,588,693.00)
Other assets 342,626,717 (592,439,172) 225,964,975 (1,163,194,963) (1,419,164,464.00)
Deposits from other banks/borrowings 300,353,000 (168,749,125) (225,339,000) 306,602,000 (783,680,000.00)
Trading liabilities (298,830,132) -- -- -- --
Other liabilities 662,468,608 4,112,876,644 407,556,116 168,405,715 351,055,164.00
Net increase / (decrease) in operating liabilities 7,078,854,321 11,123,235,489 2,599,833,709 (4,589,759,049) (2,618,103,672.00)
Net cash from operating activities 9,977,451,578 14,264,417,186 4,983,026,192 (1,576,469,468) 694,685,972
Sale proceeds of fixed assets -- 4,912,148 3,253,511 -- --
(Purchase)/Sale of government securities -- (4,582,067,414) (1,255,048,849) (6,154,867,151) 2,809,897,359
Proceeds from sale of securities 18,000,000 -- (743,310,039) 611,567,060 --
(Purchase)/Sale of securities (254,215,397) (876,760,435) -- -- 451,192,822.00
(Purchase)/Sale of property ,plant and equipment (327,084,744) (173,662,221) (833,798,050) (739,401,777) (622,660,050.00)
Payment against lease obligation -- -- (7,263,378) -- --
Other investment activities -- -- -- 2,817,834 6,287,392
Net cash used in investing activities (563,300,141) (5,627,577,922) (2,836,166,805) (6,279,884,034) 2,644,717,523
Borrowings from other banks, financial institution and agents -- -- 2,083,768,811 1,568,863,417 (1,331,720,180)
Payment for finance lease -- -- -- (6,642,120) --
Deposits from customers 19,090,168,561 15,346,004,874 19,412,365,270 16,717,220,821 14,274,274,321.00
Receipts from issue of subordinated bond 5,793,512 -- -- -- 3,500,000,000.00
Payment for redemption of Debt Instruments (245,558,700) -- -- -- --
Other financing activities -- -- -- -- (5,394,235)
Net Cash used in financing activities (239,765,188) -- 2,083,768,811 1,562,221,297 2,162,885,585
Net increase/(decrease) in cash and cash equivalents 9,174,386,249 8,636,839,264 4,230,628,198 (6,294,132,205) 5,502,289,080
Effects of Exchange Rate Changes on Cash & Cash Equivalent -- -- (52,101,507) (5,215,931) (19,118,618)
Cash & Cash Equivalents at beginning of the year 17,805,611,013 26,979,997,262 19,729,565,720 23,908,092,411 17,608,744,275
Cash and cash equivalents at end of the year 26,979,997,262 35,616,836,526 23,908,092,411 17,608,744,275 23,091,914,737

Disclaimer:
  • • This is a generalized format for the sectors
  • • For company specific financial statement, please see Report section
  • • Latest 05 years Annual reports and 5 years quarterly reports are available under this section.
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