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LankaBangla Finance Limited

Financial Position 2013 2014 2015 2016 2017 Growth of 2017 over 2016 5 Year CAGR (%)/Average*
Total Assets 32,648 39,129 50,448 63,935 85,443 33.64% 27.19%
Total Liabilities 25,619 31,997 44,099 57,164 77,014 34.73% 31.67%
Business Disbursement 11,070 19,750 35,770 45,539 56,726 24.57% 50.46%
Property Plant and Equipment 291 311 1,292 1,430 1,762 23.24% 56.80%
Current Assets 19,281 13,316 19,146 33,088 35,318 6.74% 16.34%
Current Liabilities 14,965 9,381 17,301 29,043 31,959 10.04% 20.89%
Net current assets 4,317 3,935 1,845 4,045 3,359 ?16.96% ?6.08%
Non Current Assets 13,367 25,813 37,132 30,847 50,124 62.49% 39.16%
Long Term Liabilities 10,654 22,616 26,798 28,121 45,055 60.22% 43.40%
Loans and Advances 24,841 30,396 41,819 51,244 66,544 29.86% 27.93%
Term Deposits 10,827 16,683 29,992 40,033 51,553 28.78% 47.72%
Total Investment PorVolio 31,265 37,217 47,605 60,595 80,800 33.34% 26.79%
Operational Performance
Operating Revenue 5,189 5,100 6,237 7,306 9,981 36.62% 17.77%
Operating Expenses 892 1,285 1,612 1,999 2,671 33.61% 31.55%
Financial Expenses 2,731 3,033 3,715 3,964 4,839 22.07% 15.37%
Non Interest Revenue 1,433 1,135 1,449 1,644 2,905 76.68% 19.32%
Net Profit Before Tax 997 434 533 947 2,264 139.14% 22.75%
Net Profit AGer Tax 955 454 421 796 1,926 142.10% 19.19%
EBITDA 4,369 3,909 4,340 5,008 7,256 44.86% 13.52%
Turnover of Share Trading by LBSL 135,795 181,674 148,645 166,902 363,646 117.88% 27.92%
Financial Ratios
Gross Profit Ratio 52.63% 59.47% 59.57% 54.26% 48.48% ?10.65% 54.88%
Operating Profit Ratio 30.18% 15.34% 14.59% 18.37% 24.76% 34.73% 20.65%
Return on Capital Employed 3.66% 1.41% 1.04% 1.55% 2.83% 83.05% 2.10%
Cash reserve ratio� liquidity asset ratio (Required 2.5%) 2.58% 2.64% 2.51% 2.52% 2.92% 16.07% 2.63%
Statutory Liquidity Reserve (Required 5%) 6.52% 6.00% 5.05% 5.08% 5.10% 0.34% 5.55%
Capital Adequacy Ratio (2011: Test Run. Effct. From 2012) 20.75% 17.26% 13.41% 12.45% 11.95% ?4.02% 15.16%
Gross Non performing assets to gross advances�Non performing loans (assets) to total loans (assets) 4.84% 4.05% 3.20% 3.22% 2.85% ?11.36% 3.63%
Cost to Income Ratio 36.29% 62.16% 63.92% 59.83% 51.95% ?13.17% 54.83%
Current Ratio 1.29 1.42 1.11 1.14 1.11 ?3.00% 1.21
Debt Equity Ratio 3.28 4.09 6.23 7.61 8.42 10.60% 5.93
Financial Expense Coverage Ratio 1.57 1.26 1.24 1.34 1.51 12.85% 1.39
Return on Equity (%) 14.34% 6.59% 6.37% 12.29% 25.66% 108.80% 13.05%
Return on Assets (%) 3.29% 1.26% 0.94% 1.39% 2.58% 85.39% 1.89%
Equity Parameters
Authorized Capital 3,000 3,000 3,000 3,000 10,000 233.33% 35.12%
Paid?up Capital 2,083 2,188 2,406 2,767 3,183 15.00% 11.17%
Shareholders' Equity 6,840 6,947 6,262 6,687 8,327 24.53% 5.04%
No. of Share Outstanding 208 219 241 277 318 15.00% 11.17%
Net Asset Value (NAV) Per Share* 21.49 21.83 19.68 21.01 26.16 24.53% 5.04%
Earnings Per Share (EPS)* 2.94 1.39 1.33 2.5 5.97 138.69% 19.37%
Market Price Per Share (Closing) 57.58 40 29 34.8 47.8 37.36% ?4.55%
Price Earnings Ratio (Times) * 19.59 28.79 21.74 13.92 8.01 ?42.45% 18.41
Dividend Payment (C? cash & B? bonus) 5% B 10% B 15% B 15% B 7.5% B - -
15% C 10% C 15% C 15% C 7.5% C - -
Profit Per Employee (mn) 1.79 0.59 0.55 0.84 1.6 90.62% ?2.71%
Credit Ratings
Long Term A2 A1 AA3 AA3 AA3 AA3 -
Short Term ST-3 ST-3 ST-2 ST-2 ST-2 ST-2 -

Investor Downloads

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"LankaBangla has been developing its strategies for years based on diversification in markets with high growth potential, a customer-centric business model and technology as key elements in order to face the transformation process being experienced in its business segments. Sustaining earnings amidst challenging times and taking result oriented initiatives have helped us to elevate the company performance to the next level."

Dear Stakeholders,

I begin my message with a sense of gratitude and pride about LankaBangla Finance Limited that has grown stronger over the course of time. It is indeed a proud moment for me to present to you the audited financial statements of LankaBangla Finance Limited for the year 2017. On behalf of the Board of Directors and everyone from LankaBangla, I welcome you all to the 21st Annual General Meeting.

Bangladesh economy continued to show a solid performance in 2017. One of the major achievements of the economy has been 7.28% economic growth in FY 2016-17 breaking the six percent cycle that continued for a decade. Major boost of growth has come from the industrial sector followed by the services sector. Though interest rate remained considerably low during most part of the year, in the later part of 2017 interest rates were on an upward trajectory led by scarcity of liquidity in the market. Bangladesh Bank initially continued its accommodative monetary stance for H1FY18, but eventually has adopted a somewhat contractionary monetary policy for H2FY18.

You will be happy to know that LankaBangla Finance Limited reported strong results for the year 2017 with consolidated profit after tax of BDT 1,926 million i.e. BDT 5.97 per share. The Company reported ROA of 2.58% and ROE of 25.66%. Net profit after tax increased 142% compared to the previous year. The standalone net profit after tax increased by 26.19% from the prior year and amounted to BDT 1,353 million. Consolidated total asset has reached to BDT 85,443 million at the end of 2017 from BDT 64,044 million at the end of 2016 showing 33.41% growth yearon-year basis. Our consolidated investment portfolio grew 27.95% and stood at BDT 72,014 million at the end of the year.

In addition to keeping a clear focus on customers and clients, our growth strategy includes growing within a clear risk framework so that we can maintain our balanced, stable and financially strong platform. It means we proactively and thoroughly assess risk and reward so that we can provide sustainable returns to our shareholders over time. During 2017 loans, leases, and advances increased by 29.86%; whereas NPL declined to 2.85% from 3.22% in 2016, which demonstrates our focus on growing the right way.

Capital Adequacy Ratio (CAR) stood at 11.95% on consolidated basis against regulatory requirement of minimum 10.00%. At the beginning of 2018 we have issued Rights share which will have a positive impact on the capital base of the Company. We have taken necessary measures to remain compliant, in line with the regulatory requirements, with regard to forecasted future growth.

To grow our business and to reach out to more customers and cater our services we have expanded our distribution network and opened five new branches in 2017. We will continue to widen our reach through extended branch network by launching five more branches in 2018 at major townships and industrial hubs of the country.

We strongly believe that our most important long-term competitive advantage is our people. Our commitment to attract and retain the most talented people in our industry and beyond is of vital importance to the company and the perennial foundation of our success. I am pleased to report that LankaBangla Finance Limited remains a highly attractive place to work. We work hard to make LankaBangla a place where our people can have long and successful careers. We have a history of investing in our people at every level, in number of training sessions and leadership development programs to our continuous work on talent mobility.

We understand that the success of our company is directly linked to the success of our communities. For us, corporate responsibility is a strategic imperative. We see corporate responsibility as an opportunity to work to advance societal needs. We have continued our support to underprivileged people of the community to ensure their health, shelter and education through LankaBangla Foundation. Through conscience corporate governance and effective business model we have contributed towards a sustainable society.

Taking into account our current capital structure and future business plan, the Board has recommended 7.50% cash dividend and 7.50% stock dividend for the year 2017. We realize that our dividend pay-out ratio is slightly low compared to previous years, but we will reap the benefit of ploughing back more resources in growing the business in the coming days.

ICT division is constantly working towards the development and implementation of new technologies to enable the organization to meet future market demand. The year 2017 was special year for the Company in the arena of technological advancement. Our operational activities were upgraded with integration of advanced IT based solutions namely payment collection through mobile banking, development of automated backup procedure for Mastercard, upgrading virtual environment for enhancing services and completed partial Disaster Recovery Infrastructure.

LankaBangla, through LankaBangla Foundation has extended its support for underprivileged people of the community. In 2017, we have extended support to unprivileged brilliant student to pursue their education, provided financial assistance for education for children of deceased ex-officio of LankaBangla, promoted creativity and cultural development of children through arranging art competition, distributed relief among poor flood victims at Kurigram district, distributed bicycle among female students of Birol Upazila, Dinajpur, organized tree planataion program for protecting environmental and ecological degradation, distributed blankets among the poor people to protect them from cold wave. Also LankaBangla and OCAS jointly distributed relief and arranged medical camp among flood victims of South Sunamganj, Sunamganj.

I take immense pride in informing you that in 2017 LankaBangla Finance Limited received SAFA Best Presented Annual Report 2016, ICAB Best Presented Annual Report Award 2016, ICAB Corporate Governance Award 2016, and ICMAB Best Corporate Award 2016. These awards and recognitions are testament to our continuous effort towards reaching excellence in terms of adoption of best practices and transparency. Our subsidiary company, LankaBangla Securities Limited, has secured 1st position in terms of turnover for 12 consecutive years in Dhaka Stock Exchange and for 13 consecutive years in Chittagong Stock Exchange depicting our consistent strong presence in Bangladesh Capital Market.

We duly acknowledge the contribution of our human resources who have delivered the results by working tirelessly to meet customers’ expectations. On behalf of the Board, as well as personally, I would like to thank them all for their dedication and commitment. I extend my profound gratitude to Bangladesh Bank, Bangladesh Securities and Exchange Commission, Dhaka Stock Exchange Limited, Chittagong Stock Exchange Limited, Registrar of Joint Stock Companies and Firms, National Board of Revenue and all other regulatory authorities for their valuable guidance, support and cooperation.

I am proud of the progress that we have made during the year 2017 and excited about the opportunity for even more progress in the year ahead. We anticipate new challenges in 2018 from political developments, tightened money supply and regulatory matters. Nevertheless, we firmly believe that the diverse challenge of tomorrow opens up new opportunities for further growth and progress. On behalf of the Board of Directors, I pledge that we will continue to add value for the stakeholders through formulation and execution of prudent business strategies and practices whilst ensuring that we contribute towards the achievement of national priorities.

I would like to thank all our shareholders and customers whose commitment is a sign of appreciation and trust. We will do everything within our capacity to ensure that LankaBangla Finance Limited remains an attractive investment and a reliable and future-oriented company that justifies your trust.

Yours sincerely,
Mohammad A. Moyeen

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Managing Director's

Review & Statement

"Over the last few years we have been able to successfully embedded a culture of change and constant improvement into the organisation. We will now leverage our strengths, capitalise on opportunities and share our success with all our stakeholders in the journey of GROWING TOGETHER. "

Dear Stakeholders,

Pursuing a clear strategic vision and rising to a variety of growth challenges, we have been consistently achieving impressive results over the past few years. We have also upgraded and strengthened our internal systems and processes to ensure that we serve our customers better and through that added value to all our stakeholders. Our strong work force spread across the country have embraced this vision as one and working with commitment, professionalism and an excellent team spirit has taken us along the path to high growth prospect.

Investor Relation Department

Masum Ali

Vice President, Board Secretariat & Regulatory Affairs

Address : Safura Tower, Level-14 20 Kemal Ataturk Avenue Banani, Dhaka 1213
Phone : +880 2 9883701-10, Ext 402
Cell : +88 01713 069817
Fax : +880 2 8810998
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