LANKA BANGLA FINANCE LTD.

LankaBangla Finance Limited started its journey long back in 1997 as a joint-venture financial institution
with multinational collaboration having license from Bangladesh Bank under Financial Institution Act-
1993. Now LankaBangla is the country’s leading provider of integrated financial services including
corporate financial services, retail financial services, SME financial services, stock broking, corporate
advisory and wealth management services. Under the broadest umbrella of products and service offerings,
we are the lone financial institution to operate credit card (MasterCard and VISA) and also provide third
party card processing services to different banks in Bangladesh. LankaBangla is a primary dealer of
government securities since November 2009. Since 2006 LankaBangla has been listed in both DSE &
CSE in Bangladesh

LankaBangla Finance Limited started its journey long back in 1997 as a joint-venture financial institution
with multinational collaboration having license from Bangladesh Bank under Financial Institution Act-
1993. Now LankaBangla is the country’s leading provider of integrated financial services including
Corporate Financial Services, Personal Financial Services, SME Financial Services, Stock Broking,
Corporate Advisory and Wealth Management Services.
We recently have gone through a business process reengineering to build capacity to our clients’ superior
experience than any time ever. The company now operates in centralized administrative framework through
cutting edge technological environment. LankaBangla is serving a wide operational periphery covering
major business hubs of the country.
Under the broadest umbrella of products and service offerings, we are the lone financial institution to
operate credit card (MasterCard and VISA) and also provide third party card processing services to different
banks in Bangladesh.
LankaBangla is the market leader in the capital market services and has been giving all-out effort to develop
an efficient, vibrant and transparent capital market in Bangladesh. Through our subsidiary LankaBangla
Securities Limited, we are providing top notch broking services and leading the industry with cutting edge
trading, top rated research and customer service. Another subsidiary, LankaBangla Investments Limited is
a premier investment bank in the country providing corporate advisory, issue management and portfolio
management services. Additionally, LankaBangla Asset Management Company Limited is providing
professional wealth management services.

Mission:

 Be a growth partner for our customers, ensuring financing and superior experience
 Maintain a culture of meritocracy in the DNA of the company
 Be sustainable and ensure quality returns to our valued shareholders
 Uphold efforts to develop our community

Core Values:

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LANKA BANGLA FINANCE LTD.

 Cherish a sense of ownership

 Be customer centric
 Grow as a team
 Act with integrity & professionalism
 Deal with respect.

Code of Conduct:

LankaBangla is a value driven organization with strict adherence to principles even if the situation
sometimes provides temporary benefit to the company. The guiding principles are set with the objective of
upholding the company’s reputation and dignity and treating them as absolutely priceless. The company’s
affairs get the utmost priority of all the employees.

Marketplace Responsibility:

 Act responsibly in all sorts of communications with customers, suppliers, vendors, partners and
regulatory authorities
 Safeguard the privacy, confidentiality and security of customer data
 Make only factual and truthful statements about company’s products & services
 Gather business intelligence properly and ethically
 Prevent the use of company’s services against money laundering purposes

Personal Responsibilities:

 Be an ethical role model by maintaining integrity and devotion to work

 Protect and enhance company’s interest, dignity and reputation
 Act in accordance with the highest standards, professionalism and excellence in quality output
 Adherence to the company’s policies, rules and regulations that obviously apply to the job
 Always act and behave like an ambassador of the company

Workplace Responsibilities:

 Treat colleagues with respect and dignity

 Support the company’s commitment to diversity and equal employment opportunity
 Provide a positive work environment free from intimidation and harassment
 Do not hold any outside positions with, or accept business opportunities from anyone who does
business or competes with the company
 Ensure that financial records are accurate and complete
 Maintain an effective system of internal control and compliance over financial reporting and
operational activities
 Protect company’s assets and properties

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 LANKA BANGLA FINANCE LTD.

 Ensure cost efficiency

Corporate Citizenships:

 Support all communities and optimize contributions to the society

 Protect the general safety and the environment
 Respond to public and cooperate with the government

Financial Position of 5 years

Financial Position 2013 2014 2015 2016 20 Growth of 2017 over 2016
17

Total Assets 32,648 39,129 50,448 63,935 85,44 33.64%

3
Total Liabilities 25,619 31,997 44,099 57,164 77,01 34.73%
4
Business Disbursement 11,070 19,750 35,770 45,539 56,72 24.57%
6
Property Plant and Equipment 291 311 1,292 1,430 1,762 23.24%
Current Assets 19,281 13,316 19,146 33,088 35,31 6.74%
8
Current Liabilities 14,965 9,381 17,301 29,043 31,95 10.04%
9
Net current assets 4,317 3,935 1,845 4,045 3,359 ?16.96%
Non-Current Assets 13,367 25,813 37,132 30,847 50,12 62.49%
4
Long Term Liabilities 10,654 22,616 26,798 28,121 45,05 60.22%
5
Loans and Advances 24,841 30,396 41,819 51,244 66,54 29.86%
4
Term Deposits 10,827 16,683 29,992 40,033 51,55 28.78%
3
Total Investment PorVolio 31,265 37,217 47,605 60,595 80,80 33.34%
0
Operational Performance
Operating Revenue 5,189 5,100 6,237 7,306 9,981 36.62%
Operating Expenses 892 1,285 1,612 1,999 2,671 33.61%
Financial Expenses 2,731 3,033 3,715 3,964 4,839 22.07%
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 LANKA BANGLA FINANCE LTD.

Financial Position 2013 2014 2015 2016 20 Growth of 2017 over 2016
17

Non Interest Revenue 1,433 1,135 1,449 1,644 2,905 76.68%

Net Profit Before Tax 997 434 533 947 2,264 139.14%
Net Profit AGer Tax 955 454 421 796 1,926 142.10%
EBITDA 4,369 3,909 4,340 5,008 7,256 44.86%
Turnover of Share Trading by 135,795 181,674 148,645 166,902 363,6 117.88%
LBSL 46
Financial Ratios
Gross Profit Ratio 52.63% 59.47% 59.57% 54.26% 48.48 ?10.65%
%
Operating Profit Ratio 30.18% 15.34% 14.59% 18.37% 24.76 34.73%
%
Return on Capital Employed 3.66% 1.41% 1.04% 1.55% 2.83 83.05%
%
Cash reserve ratio liquidity 2.58% 2.64% 2.51% 2.52% 2.92 16.07%
asset ratio (Required 2.5%) %
Statutory Liquidity Reserve 6.52% 6.00% 5.05% 5.08% 5.10 0.34%
(Required 5%) %
Capital Adequacy Ratio (2011: 20.75% 17.26% 13.41% 12.45% 11.95 ?4.02%
Test Run. Effect. From 2012) %
Gross Non-performing assets 4.84% 4.05% 3.20% 3.22% 2.85 ?11.36%
to gross advances Non %
performing loans (assets) to
total loans (assets)
Cost to Income Ratio 36.29% 62.16% 63.92% 59.83% 51.95 ?13.17%
%
Current Ratio 1.29 1.42 1.11 1.14 1.11 ?3.00%
Debt Equity Ratio 3.28 4.09 6.23 7.61 8.42 10.60%
Financial Expense Coverage 1.57 1.26 1.24 1.34 1.51 12.85%
Ratio
Return on Equity (%) 14.34% 6.59% 6.37% 12.29% 25.66 108.80%
%
Return on Assets (%) 3.29% 1.26% 0.94% 1.39% 2.58 85.39%
%
Equity Parameters

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 LANKA BANGLA FINANCE LTD.

Financial Position 2013 2014 2015 2016 20 Growth of 2017 over 2016
17

Authorized Capital 3,000 3,000 3,000 3,000 10,00 233.33%

0
Paid up Capital 2,083 2,188 2,406 2,767 3,183 15.00%
Shareholders' Equity 6,840 6,947 6,262 6,687 8,327 24.53%
No. of Share Outstanding 208 219 241 277 318 15.00%
Net Asset Value (NAV) Per 21.49 21.83 19.68 21.01 26.16 24.53%
Share*
Earnings Per Share (EPS)* 2.94 1.39 1.33 2.5 5.97 138.69%
Market Price Per Share 57.58 40 29 34.8 47.8 37.36%
(Closing)
Price Earnings Ratio (Times) * 19.59 28.79 21.74 13.92 8.01 ?42.45%
Dividend Payment (C? cash & 5% B 10% B 15% B 15% B 7.5% -
B? bonus) 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%
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 RELATIONS

LankaBangla Finance Limited disseminates information on its operations and initiatives on a regular basis.
LankaBangla Finance Limited website serves as a key investor awareness facility, allowing stakeholders to
access information on LankaBangla Finance Limited at their convenience. LankaBangla Finance Limited’s
dedicated investor relations personnel play a proactive role in disseminating information to both analysts
and investors and respond to specific queries.

Services:

 Personal Financial Services

 Corporate Financial Services
 SME Financial Services
 Deposit Schemes.

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