The presentation is on a particular bank's NPL, EPS, DPS and net profit.

The presentation is on a particular bank's NPL, EPS, DPS and net profit.An exclusive overview of Bank's Anual performance.

1. Financial Performance Analysis of Mercantile Bank Limited Presented by Team Warden of Words

2. Team Members: 2 Md.Tanjil Ahammad Babul Uddin Shohaiel Islam Fahim Tasnia Ibnat Chowdhury Afrin Sultana Jui Md. Fardous Hossain Robin 30 40 50 60 94 98 Warden of Words

3. A Journey of Growth and Trust 3 Founded in 1999 with Tk. 1,200 million authorized capital. Began operations with 5 branches in Dhaka. Now operates over 150 branches across Bangladesh. Listed on Dhaka & Chittagong Stock Exchanges in 2004. Introduced Islamic banking and agent banking windows. Focused on modern digital banking and customer satisfaction.

4. Core Functions and Offerings 4 Retail Banking: Savings current, deposit schemes, debit & credit cards. Corporate Banking: Business loans, project finance, working capital SME Banking: Loans for small and medium enterprises. Foreign Trade: Import/export finance, L/C, remittance services. Digital Banking: MBL Rainbow App, internet & mobile banking, ATM network. Islamic Banking: Shariah -compliant investment and deposit products.

5. Contribution to the Economy Role in National Development 5 Financing industrial and SME sectors for job creation. Encouraging entrepreneurship through micro and small loans. Supporting export-import business and remittance inflow. Participating in green banking and sustainable finance.

6. NON-PERFORMING LOAN

7. NON-PERFORMING LOAN ” A Non-Performing Loan (NPL) is a loan in which the borrower is not making the scheduled payments either of principal, interest or both for a specified period of time , typically 90 days or more. A higher NPL ratio means more bad loans, showing poor asset quality. A lower NPL ratio means the bank is performing better and managing its loans well.

8. MERCHANTILE BANK LIMITED

9. MERCHANTILE BANK LIMITED

10. Mercantile Bank PLC PRESENTED BY: Shohaiel Islam Fahim ID- 50 ANALYSIS OF LOAN DISBURSEMENT

11. Some Important Metrics Metrics Value Total portfolio size(2024) BDT-3,00,022.19(Million) Total Growth (2015-2024) 137.46% Compound Annual Growth Rate 10.09% Peak Growth 32.31%(2017) Lowest Growth 1.40%(2023)

12. Year Loan and Advances (BDT in million) Growth Rate 2015 126338.83 N/A 2016 150910.00 19.45% 2017 199660.72 32.31% 2018 224230.61 12.31% 2019 236890.45 5.65% 2020 248994.39 5.11% 2021 266766.60 7.14% 2022 280890.53 5.30% 2023 284828.05 1.40% 2024 300022.19 5.3% Total loan and Growth Rate Finally, the total from 2015-2024 is 137.46%

13. Net profit Net profit in banking is the amount of money a bank has left after all expenses including opering expense,loan interest,tax expenses and other expenses. .

14. Initial years : 1999 to 2005 the profit raised 77 million to 387 million Growth phase :2006 to 2015 the net profit raised from 475 million to 1369 million. stability and transition :2016 to 2020 the bank maintained a stable growth and profit climed from 1512 to 2056 million. Recent performance :2021 to 2023 the bank reached its peak profit of around 2203 million in 2022

15. Deposit and Growth of Mercantile Bank Limited

16. Total Deposits Growth (2014-2023)

17. Change in Deposit Structure (2014 vs 2023)

18. Earnings per Share (EPS) Analysis Afrin sultana Jui ID:94

19. Understanding Earnings Per Share: EPS measures how much net profit a company earns per ordinary share. Formula: EPS = Net Profit After Tax ÷ Number of Ordinary Shares Indicates profitability and shareholder value. A higher EPS = better earnings and stronger investor confidence.

20. EPS Trend (2012–2024) Year EPS (USD) 2024 4.93 2023 5.13 2022 3.85 2021 3.69 2020 2.71 2019 3.01 2018 2.53 2017 1.90 2016 1.96 2015 1.62 2014 1.28 2013 1.95 2012 1.30

21. Year-to-Year EPS Comparison (Recent 5 Years): Year EPS Change 2024 4.93 3.9% 2023 5.13 33.2% 2022 3.85 4.3% 2021 3.69 36.2% 2020 2.71 10.0% EPS grew strongly from 2020 to 2023 . Small decline in 2024, but overall trend remains positive .

22. Interpretation and Insights Consistent EPS growth = improved profitability. Reflects strong management performance and cost control. Increasing EPS builds shareholder confidence. Slight 2024 dip indicates possible market correction or reinvestment phase. EPS trend aligns with positive long-term financial stability.