81

MARKET PULSE 

FEB-2018

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FINANCIAL INSTITUTIONS

Basic Company Information

Market Statistics

Key Financial 2016

Growth Indicators (CAGR of 3 

Years)

Earnings Decomposition (In BDT mn.) & 

Financial Ratios 2016

Latest Quarterly 

Analysis

Valuation

Company Name

Year 

End

Market 

Category

Paid Up 

Capital 

(BDTmn)

Market 

Capitalization 

(BDTmn)

Last 

Declaration 

Date

Last Corporate 

Declaration

Closing 

Price 

(BDT)

Monthly 

Price 

Return 

(%)

Changes in 

Turnover

Operating 

Income (BDT 

In Mn) 

Net Profit 

(BDT In 

Mn) 

Net Profit 

(In %)

Operating 

Income 

(In %)

Net Interest 

Income

Loans & 

Advances 

(In %)

Net Interest 

Income

Investment 

Income

Commission, 

Exchange & 

Brokerage

ROE(In %)

Non Performing 

Loan Ratio 

(In %)

EPS

 Trailing 

P/E

P/B

Cash

Stock

Q1

Q2

Q3

BAYLEASINGDec

A

1309.07

3311.94

5/31/201715.0%

0.0%

27.80

-4.7%

13.1%

285.28

101.30

-30.6%

-8.2%

30.0%

23.1%

159.19

54.73

23.07

3.4%

5.2%

 0.24 

 0.65 

 -   

27.80

1.25

BDFINANCEDec

A

1384.54

3101.37

5/8/2017

0.0%

10.0%

20.00

-1.0%

-66.0%

440.72

168.70

73.8%

3.3%

39.0%

22.8%

502.78

-3.65

64.22

11.3%

4.4%

 0.69 

 0.55 

 0.51 

10.85

1.55

BIFC

Dec

Z

1006.80

956.46

7/25/2017

0.0%

0.0%

10.60

2.8%

-76.4%

-641.74

-681.44

365.3%-33.3%

-35.5%

9.5%

170.94

12.83

0.00

3.8%

10.3%

 (1.70)

 (3.45) (5.45)

0.00

3.02

DBH

Dec

A

1218.52

16376.89

3/29/201830.0%

0.0%

125.60

1.0%

356.5%

1452.82

785.98

14.7%

3.8%

3.0%

14.8%

1687.33

10.31

132.92

23.2%

0.3%

 -   

 -   

 -   

17.25

4.54

FAREASTFINDec

B

1640.63

1542.20

5/3/2017

5.0%

0.0%

12.30

5.7%

-74.5%

46.31

102.98

-33.5%-26.3%

-34.9%

13.0%

289.33

7.33

0.00

9.7%

5.8%

 (3.82)

 (4.43) (5.10)

0.00

0.75

FASFIN

Dec

B

1290.71

2078.05

5/15/2017

0.0%

5.0%

16.70

12.0%

-52.2%

232.14

91.39

-5.0%

33.0%

50.8%

93.6%

444.02

26.71

0.00

7.9%

7.0% 0.6381 

 0.61  0.7000 

14.03

1.28

FIRSTFIN

Dec

Z

1220.31

1256.92

5/23/2017

0.0%

5.0%

13.20

6.1%

-27.7%

133.94

50.12

-87.2%

11.1%

-20.4%

11.3%

106.39

-2.01

0.00

0.6%

40.4%

 (0.79)

 (0.47) (1.19)

22.51

0.85

GSPFINANCEDec

A

1292.21

2481.05

4/30/201722.0%

0.0%

30.70

-7.2%

0.3%

620.57

300.78

71.9%

41.3%

47.9%

11.7%

357.38

23.59

11.32

12.1%

6.1%

 0.52 

 1.07 

 1.64 

6.62

0.97

ICB

June

A

6644.53

88305.8211/26/201730.0%

5.0%

180.20

-0.7%

-62.6%

4324.483316.44

19.3%

13.1%

NA

5.2%-2596.717571.90

1592.67

11.8%

17.6%

 1.87 

 3.39 

 -   

16.30

2.35

IDLC

Dec

A

3770.51

26016.50

3/8/201830.0%

0.0%

86.30

-0.2%

6.2%

3204.761780.30

17.2%

25.4%

18.3%

17.3%

3417.99372.10

356.95

20.4%

3.8%

 -   

 -   

 -   

11.26

2.91

ILFSL

Dec

B

1796.33

3053.75

5/16/2017

0.0%

5.0%

17.70

21.5%

-55.4%

466.41

125.85

-2.7%

14.8%

31.6%

26.3%

539.21

-28.73

136.26

5.6%

6.9%

 0.70  (0.73)

 0.54 

11.95

1.32

IPDC

Dec

A

2181.61

8159.21

2/27/2018

0.0%

20.0%

47.10

-4.9%

-47.1%

501.61

303.09

45.1%

10.2%

3.5%

13.0%

430.94

55.41

7.58

10.1%

2.0%

 -   

 -   

 -   

24.26

2.94

ISLAMICFINDec

A

1209.76

2189.67

4/5/201814.5%

0.0%

23.50

-3.8%

-41.8%

388.34

278.12

124.5%

7.9%

-5.4%

22.6%

245.16

22.29

23.90

13.3%

N/A

 -   

 -   

 -   

10.00

1.28

LANKABAFINDec

A

5131.80

15549.34

3/8/2018

7.5%

7.5%

60.70

0.8%

18.2%

1342.31

795.64

-7.3%

22.0%

15.0%

37.6%

1072.36436.31

562.07

6.9%

3.2%

 -   

 -   

 -   

5.46

2.33

MIDASFIN

Dec

Z

1202.69

4606.29

5/29/2017

0.0%

0.0%

30.50

18.7%

-37.6%

583.80

267.22

NA342.1%

NA

4.4%

137.46

45.62

0.38

7.5%

22.5%

 0.65 

 0.98 

 1.35 

17.81

3.99

NHFIL

Dec

A

1063.92

4138.65

4/25/201718.0%

0.0%

52.20

-2.3%

-65.7%

471.11

243.77

10.2%

26.9%

23.6%

31.8%

509.69

9.59

0.14

15.0%

5.6%

 0.56 

 1.26 

 1.67 

17.29

2.53

PHOENIXFINDec

A

1214.95

4252.31

5/4/201720.0%

0.0%

32.10

4.4%

217.1%

448.81

282.97

33.5%

3.8%

7.0%

17.7%

803.50

44.76

0.00

10.6%

2.8%

 0.58 

 1.24 

 1.69 

14.71

1.62

PLFSL

Dec

Z

2854.41

3282.57

8/7/2017

0.0%

0.0%

12.80

10.9%

-56.1%

479.02

-493.64

-526.9%-136.7%

-334.5%-20.6%

-947.65150.66

0.00-20.3%

4.2%

 0.21 

 0.31 

 0.42 

7.82

1.06

PREMIERLEADec

A

1206.08

1845.30

4/13/2017

5.0%

5.0%

18.50

-5.9%

-72.9%

389.15

155.16

743.7%128.5%

222.3%

73.2%

420.10

9.47

20.49

5.0%

9.1%

 0.42 

 0.49 

 0.71 

10.26

1.27

PRIMEFIN

Dec

Z

2729.16

2756.46

3/14/2017

0.0%

0.0%

13.50

-0.7%

-56.1%

-673.88

-949.67

-191.0%-79.8%

-86.8%

6.8%

45.99

-0.39

61.44

-8.5%

8.8%

 (0.56)

 (1.45) (3.36)

0.00

0.99

UNIONCAP

Dec

A

1565.30

2582.74

5/31/2017

0.0%

10.0%

21.30

-0.5%

-65.0%

747.45

258.42

17.1%

-9.8%

19.3%

6.1%

683.32-100.80

162.52

8.7%

7.8%

 0.46  (1.34) (2.18)

0.00

1.02

UNITEDFIN

Dec

A

1697.18

3462.26

3/18/201810.0%

5.0%

25.20

-9.1%

141.6%

510.10

313.04

6.0%

0.9%

-6.9%

11.3%

774.53

81.09

0.00

13.4%

5.1%

 -   

 -   

 -   

14.17

1.18

UTTARAFIN

Dec

A

1252.20

8389.77

4/12/201730.0%

0.0%

71.00

-0.1%

338.5%

1356.05

829.37

212.5%

56.9%

90.4%

9.8%

1005.69

47.79

0.00

10.9%

7.5%

 2.24 

 5.58 

 7.87 

8.63

1.47

LIFE INSURANCE

Basic Company Information

Market Statistics

Key Financial 2016

Ticker

Year 

End

Market 

Category

Paid Up 

Capital 

(BDTmn)

Market 

Capitalization 

(BDTmn)

Last 

Declaration 

Date

Last Corporate 

Declaration

Closing Price 

(BDT)

Monthly Price 

Return (%)

Changes in 

Turnover (%)

Life Fund

(BDT mn)

Life Fund 
Per Share 

(BDT)

Gross Premium (BDT 

mn)

Investment Income 

(BDT mn)

Claims (BDT mn)

Total Investment 

(BDT mn)

Claims to Premium 

(%)

Management 

Expenses to 

Premuim (%)

Cash

Stock

31/12/14

31/12/15

31/12/15

31/12/14

31/12/15

31/12/1431/12/1531/12/1431/12/15

31/12/14

31/12/15

31/12/1431/12/1531/12/1431/12/15

DELTALIFE

Dec

A

1237.50

12659.63

5/25/201720.0%

0.0%

102.00

6.8%

-8.2%

33029.4234702.48280.425582.405886.613067.642850.294245.974887.2232091.4433589.7376.06

83.02

28.0328.89

FAREASTLIF

Dec

A

622.86

5321.68

9/21/201715.0%20.0%

77.50

3.9%

246.0%

28863.1531297.71418.747671.308511.211883.961611.542639.743575.0514273.9618201.2934.41

42.00

37.7831.43

MEGHNALIFEDec

A

319.26

1860.47

8/2/201720.0%

5.0%

54.50

6.6%

-15.7%

13406.7013773.00410.874431.504351.50941.30975.702123.103056.907922.739290.2847.91

70.25

41.7740.42

NATLIFEINS

Dec

A

820.58

13796.45

8/8/201720.0%15.0%

157.10

1.0%

59.4%

30302.3631352.08332.247640.497815.892953.392899.334648.346518.9119451.8722221.5460.84

83.41

31.6529.89

PADMALIFE

Dec

A

324.00

1357.56

10/16/201720.0%

0.0%

46.70

2.8%

17.4%

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

POPULARLIFDec

A

604.28

4979.30

7/10/201740.0%

0.0%

66.00

9.7%

-35.0%

28017.3528206.18466.776623.176700.122153.552423.352510.156044.9014387.3018332.0537.90

90.22

44.7642.33

PRAGATILIF

Dec

A

103.72

1046.57

7/27/20178.0%17.0%

102.10

5.2%

-78.1%

3370.424260.15410.721655.521989.78336.07344.08943.911170.482060.252461.1257.02

58.82

54.3046.36

PRIMELIFE

Dec

A

305.20

1468.02

8/30/201725.0%

0.0%

53.50

-1.1%

-21.3%

7119.787582.75248.452273.082606.98526.90438.10999.741490.443831.394722.5443.98

57.17

38.1639.91

PROGRESLIFDec

Z

129.00

801.54

 N/A 0.0%

0.0%

0

-2.6%

21.9%

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

RUPALILIFE

Dec

A

277.39

1317.61

8/24/201710.0%

0.0%

38.70

4.7%

63.2%

3370.423670.53132.321752.621907.07228.69235.10851.80887.181819.841976.8148.60

46.52

55.6249.91

CFA Institute Integrity List: 50 Ways to Restore Trust in the Investment Industry

20. Never overlook unethical behavior because you’re better served by ignorance.