Al-Arafah Islami Bank PLC

ISLAMIC BANKING MAPPING: AIBL reports 'investments' not 'loans/advances'. total_loans_bdt = gross total investments per stockanalysis.com FY2024 balance sheet (BDT 476,981 million = 47,698.1 crore). total_deposits_bdt = customer deposits per stockanalysis.com FY2024 (BDT 443,197 million). npl_pct = classified investment ratio (bad loans as % of gross investments); SimplyWallSt reports 15.1% for FY2024. npl_bdt in BDT could not be verified from a primary source and is set to null. | FINANCIALS: total_assets_bdt = BDT 621,744 million (FY2024) per stockanalysis.com; FY2023 was BDT 573,309 million (+8.45% growth rate corroborated). net_profit_bdt = BDT 754.96 million (Tk75.50 crore) per stockanalysis.com income statement; EPS Tk0.66 per TBS report; profit fell 68% vs FY2023 (Tk2,351 million). CAR for FY2024 could not be extracted from Basel III PDF (binary format); set to null. ROA and ROE not found in public summaries; set to null. | CAPITAL: paid_up_capital_bdt = Tk10,649.02 million per official AIBL at-a-glance page (stated as 'as of December 31, 2023'); 2024 figure not separately disclosed in public sources; used 2023 value as best available. authorized_capital_bdt = Tk15,000 million per official at-a-glance page. | OPERATIONS: 215 branches per official at-a-glance page (Dec 2023); 5,768 employees per same source. Sub-branch, ATM, agent banking counts not found in public summaries. | GOVERNANCE: S. Alam Group (Chattogram-based conglomerate) acquired control over AIBL's board following the Awami League government's tenure. Bangladesh Bank dissolved that board on 3 September 2024 as part of a broad effort to strip S. Alam of control over 8+ banks. New chairman Khwaja Shahriar (former MD, LankaBangla Finance) appointed the same day. Board includes: Md Shahin Ul Islam (ex-BB Executive Director), Md Abdul Wadud (ex-Deputy MD NRB Bank), Prof M Abu Yusuf (Dhaka University), Mohammad Ashraful Hasan FCA. MD Rafat Ullah Khan remained in post; exact appointment date not found in public sources. | RATING: Bank-level long-term credit rating for FY2024 not confirmed. CRISL website listing showed a 2023 entry for a borrower under AIBL guarantee (AA-/ST-3 for working capital) -- that is a borrower rating, not the bank's own rating. Moody's profile page exists but no public rating extracted. | PROVISION: BB directed Tk6,358 crore provision required vs Tk2,400 crore maintained; shortfall of Tk3,958 crore deferred under BB permission. Bank declared no FY2024 dividend. | verification_status=partial: total_assets and net_profit cross-confirmed via stockanalysis.com; npl_pct sourced from SimplyWallSt (secondary aggregator -- AIBL 2024 annual report PDF not extractable); CAR, ROA, ROE, npl_bdt, ATM, agent banking, and bank-level rating not confirmed from primary source.