[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-sidebar-cat-0-en-105":3,"doc-seo-203600-105":59,"doc-detail-203600-en":131},{"code":4,"msg":5,"data":6},0,"success",[7,13,18,23,28,33,38,43,48,51,55],{"id":8,"doc_module":4,"doc_module_name":9,"category_name":10,"show_sort_weight":11,"slug":12},1,"Document","Story & Novel",90,"story-novel",{"id":14,"doc_module":4,"doc_module_name":9,"category_name":15,"show_sort_weight":16,"slug":17},2,"Literature",80,"literature",{"id":19,"doc_module":4,"doc_module_name":9,"category_name":20,"show_sort_weight":21,"slug":22},4,"Exam",70,"exam",{"id":24,"doc_module":4,"doc_module_name":9,"category_name":25,"show_sort_weight":26,"slug":27},5,"Comic",60,"comic",{"id":29,"doc_module":4,"doc_module_name":9,"category_name":30,"show_sort_weight":31,"slug":32},6,"Technology",50,"technology",{"id":34,"doc_module":4,"doc_module_name":9,"category_name":35,"show_sort_weight":36,"slug":37},7,"Healthcare",40,"healthcare",{"id":39,"doc_module":4,"doc_module_name":9,"category_name":40,"show_sort_weight":41,"slug":42},8,"Research & Report",30,"research-report",{"id":44,"doc_module":4,"doc_module_name":9,"category_name":45,"show_sort_weight":46,"slug":47},9,"Religion & Spirituality",20,"religion-spirituality",{"id":46,"doc_module":4,"doc_module_name":9,"category_name":49,"show_sort_weight":46,"slug":50},"World Cup","world-cup",{"id":52,"doc_module":4,"doc_module_name":9,"category_name":53,"show_sort_weight":52,"slug":54},10,"Lifestyle","lifestyle",{"id":56,"doc_module":4,"doc_module_name":9,"category_name":57,"show_sort_weight":24,"slug":58},19,"General","general",{"code":4,"msg":60,"data":61},"ok",{"site_id":62,"language":63,"slug":64,"title":65,"keywords":66,"description":67,"schema_data":68,"social_meta":124,"head_meta":126,"extra_data":128,"updated_unix":130},105,"en","sonali-bank-plc-annual-report-2023","Sonali Bank PLC Annual Report 2023","","Sonali Bank PLC Annual Report 2023 presents the bank’s good governance framework and progress-focused strategic direction, emphasizing transparency, accountability, ethical conduct, and effective board oversight. The report highlights key 2023 performance outcomes, including strong net and operating profits, growth in deposits and total assets, and improved net interest income. It also covers asset quality metrics, capital adequacy and credit ratings, and risk management plus sustainability and stakeholder-related disclosures for 2023 and into 2024.",{"@graph":69,"@context":123},[70,84,106],{"@type":71,"itemListElement":72},"BreadcrumbList",[73,77,79,82],{"item":74,"name":75,"@type":76,"position":8},"https://docshare.wps.com","Home","ListItem",{"item":78,"name":9,"@type":76,"position":14},"https://docshare.wps.com/document/",{"item":80,"name":40,"@type":76,"position":81},"https://docshare.wps.com/document/research-report/",3,{"item":83,"name":65,"@type":76,"position":19},"https://docshare.wps.com/document/sonali-bank-plc-annual-report-2023/203600/",{"url":83,"name":65,"@type":85,"image":86,"author":91,"headline":65,"publisher":94,"fileFormat":97,"inLanguage":63,"description":67,"dateModified":98,"datePublished":99,"encodingFormat":97,"isAccessibleForFree":100,"interactionStatistic":101},"DigitalDocument",{"url":87,"@type":88,"width":89,"height":90},"https://docshare.wps.com/thumbnails/sonali-bank-plc-annual-report-2023/203600.png","ImageObject",300,407,{"name":92,"@type":93},"Maya Linwood","Person",{"url":74,"name":95,"@type":96},"DocShare","Organization","application/pdf","2026-11-06","2026-09-04",true,{"@type":102,"interactionType":103,"userInteractionCount":105},"InteractionCounter",{"@type":104},"ViewAction",13,{"@type":107,"mainEntity":108},"FAQPage",[109,115,119],{"name":110,"@type":111,"acceptedAnswer":112},"What governance principles does Sonali Bank PLC emphasize in the 2023 annual report?","Question",{"text":113,"@type":114},"The report emphasizes transparency, accountability, ethical conduct, and effective board oversight. It also highlights proper communication with stakeholders and alignment of interests through regulatory compliance and industry standards.","Answer",{"name":116,"@type":111,"acceptedAnswer":117},"Which financial results for 2023 are highlighted as key achievements?",{"text":118,"@type":114},"The report highlights net profit, operating profit, deposits, total assets, net interest income, and advances/loans. It also provides key ratios such as advance-deposit ratio, earnings per share, and profitability metrics including ROA and ROE.",{"name":120,"@type":111,"acceptedAnswer":121},"How does the report present risk management and regulatory compliance?",{"text":122,"@type":114},"It includes sections on core risk management reporting and BASEL-III compliance, along with market disclosures under Pillar-III. Related committee and governance compliance materials are also covered.","https://schema.org",{"og:url":83,"og:type":125,"og:title":65,"og:site_name":95,"og:description":67},"article",{"robots":127,"canonical":83},"index,follow",{"doc_id":129,"site_id":62},203600,1788562228,{"code":4,"msg":5,"data":132},{"doc_id":129,"user_id":133,"nickname":92,"user_avatar":134,"doc_module":4,"category_id":39,"category_name":40,"doc_title":65,"doc_description":67,"doc_content":135,"file_id":136,"file_url":137,"file_type":138,"file_size":139,"view_count":105,"is_deleted":4,"is_public":8,"is_downloadable":8,"audit_status":8,"page_count":140,"language":141,"language_code":63,"site_id":62,"html_lang":63,"table_of_contents":142,"faqs":143,"seo_title":144,"seo_description":67,"update_tm":130,"read_time":145,"preview_page_count":4},962084928432,"https://ap-avatar.wpscdn.com/davatar_155a257f0dc6eb9ab79c44ca47cae57d","COVER RATIONALE  \nGOOD GOVERNANCE TOWARDS PROGRESS  \nSonali Bank PLC has developed a good corporate governance structure over the years by promoting transparency, accountability, and ethical conduct in the bank’s governance framework, board structure, and governance policies. The healthy atmosphere between the Board and top management, proper communication with the stakeholders have helped to ensure alignment of interest and build trust through complying regulatory requirements and industry standards. The diversified qualities of the Board members, their expertise and effectiveness in guiding have helped the Bank towards progress and sustainability. The positive impact has been reflected in its business performance while the Bank has achieved the highest operating profit (Tk. 38,461 .88 million) and net profit (Tk. 6,514 .80 million) in 2023 among the Bangladeshi banks and is moving faster to achieve more in the upcoming years.  \nKEY ACHIEVEMENT 2023  \n(Figure in Tk. Million except stated otherwise)  \nNET PROFIT  \n\n| 2023 | 2022 |\n| --- | --- |\n| 6515 | 3710 |\n| +2805 |  |\n\nDEPOSIT  \n\n| 2023 | 2022 |\n| --- | --- |\n| 1506184 | 1420263 |\n| +85921 |  |\n\nTOTAL ASSETS  \n\n| 2023 | 2022 |\n| --- | --- |\n| 1981130 | 1789772 |\n| +191358 |  |\n\nNET INTEREST INCOME  \n\n| 2023 | 2022 |\n| --- | --- |\n| 4759 | 2089 |\n| +2670 |  |\n\nOPERATING PROFIT  \n\n| \u003Cbr>2023 2022 |  |\n| --- | --- |\n| 38462 23823 |  |\n| +14639 |  |\n| | LOANS & ADVANCES |\n| \u003Cbr>2023 2022 |  |\n| 1008053 846430 |  |\n| +161623 |  |\n\nADVANCE DEPOSIT RATIO  \n\n| 2023 | 2022 |\n| --- | --- |\n| 66.93% | 59.59% |\n| +7.34% |  |\n\nEARNING PER SHARE  \n\n| 2023 | 2022 |\n| --- | --- |\n| 14.38 | 8.19 |\n| +6.19 |  |\n\nRATE OF CLASSIFIED LOANS (%)  \n\n| \u003Cbr>2023 2022 |  |  |\n| --- | --- | --- |\n| 13. 23% 14. 83% |  |  |\n| -1.60% |  |  |\n| | RETURN ON\u003Cbr>INVESTMENT (ROI) |  |\n| \u003Cbr>2023 2022 |  |  |\n| 7. 36% 4. 83% |  |  |\n| +2.53% |  |  |\n| | RETURN ON EQUITY (ROE) |  |\n| 2023 |  | 2022 |\n| 7.77% |  | 4.70% |\n| +3.07% |  |  |\n\n CREDIT RATING  \nCAPITAL ADEQUACY RATIO (%)  \n\n| \u003Cbr>2023 2022 |  |  |\n| --- | --- | --- |\n| 10. 07% 10. 05% |  |  |\n| +0.02% |  |  |\n| | RETURN ON ASSETS (ROA) |  |\n| \u003Cbr>2023 2022 |  |  |\n| 0. 35% 0. 21% |  |  |\n| +0.14% |  |  |\n| | NET OPERATING INCOME PER SHARE |  |\n| 2023 |  | 2022 |\n| 84.90 |  | 52.59 |\n| +32.31 |  |  |\n\n\n| Surveillance Rating | Upto June 2024 |  | Upto June 2023 |  |\n| --- | --- | --- | --- | --- |\n|  | Long Term | Short Term | Long Term | Short Term |\n| As Government Support Bank | AAA | ST-1 | AAA | ST-1 |\n| As Commeercial Bank | A+ | ST-2 | A+ | ST-2 |\n| Outlook | Stable |  | Stable |  |\n\nC NTENTS  \nOrganizational Information  \n06 Letter of Transmittal  \n07 Notice of the 17th Annual General Meeting  \n08 Corporate Vision and Mission  \n10 Core Values  \n11 Ethical Principles  \n12 Strategic Objectives of SBPLC  \n13 Statement of Forward Looking Approach  \n14 Corporate Profile  \n17 Group Corporate Structure  \n18 Corporate Organogram  \n20 Milestones  \n22 List of Chairman  \n23 List of CEOs of SBPLC  \n24 SBPLC at a Glance  \nBoard of Directors and Management Profile  \n26 Board of Directors & its committees  \n32 Directors’ Profile  \n41 Management Team  \nChairman and CEO’s Message  \n48 Message from the Chairman  \n54 CEO’s Message  \nCorporate Governance  \n62 Directors’ Report  \n93 Corporate Governance  \n106 Certificate with Compliance Report on CG  \n107 Compliance Report with BSEC Notification on CG  \n118 Report of the Shariah Supervisory Committee  \n119 Declaration of CEO and CFO to the Board  \n120 Directors’ Responsibility for FR and IC  \n121 Report of the Audit Committee  \n124 Note from the Chairman of Risk Management Committee  \nStakeholders Information  \n128 Stakeholders and Shareholders Information  \n130 Redressing to Shareholders’ Observations  \n132 Comparative Financial Highlights of SBPLC  \n133 Graphical Presentations  \n138 Key Financial Data and Ratios of SBPLC  \n143 Profitability, Dividend, Performance and Liquidity Ratio  \n144 Segment wise Presentat","cbCaiqjuUXadcubh","https://ap.wps.com/l/cbCaiqjuUXadcubh","pdf",12379578,457,"English","# Organizational Information\n## Letter of Transmittal\n## Notice of the 17th Annual General Meeting\n## Corporate Vision and Mission\n## Core Values\n## Ethical Principles\n## Strategic Objectives of SBPLC\n## Statement of Forward Looking Approach\n## Corporate Profile\n## Group Corporate Structure\n## Milestones\n## List of Chairman\n## List of CEOs of SBPLC\n## SBPLC at a Glance\n# Board of Directors and Management Profile\n## Board of Directors & its committees\n## Directors’ Profile\n## Management Team\n## Chairman and CEO’s Message\n## Message from the Chairman\n## CEO’s Message\n# Corporate Governance\n## Directors’ Report\n## Corporate Governance\n## Compliance Report on CG\n## Report of the Shariah Supervisory Committee\n## Declaration of CEO and CFO to the Board\n## Directors’ Responsibility for FR and IC\n## Report of the Audit Committee\n# Stakeholders Information\n## Stakeholders and Shareholders Information\n## Redressing to Shareholders’ Observations\n## Comparative Financial Highlights of SBPLC\n## Key Financial Data and Ratios of SBPLC\n## Profitability, Dividend, Performance and Liquidity Ratio\n## Segment wise Presentation\n## Market Value Added Statement\n## Credit Rating\n## Financial Calendar 2023 and 2024\n# Risk Management and Control Environment\n## Report on Core Risk Management\n## BASEL-III Compliance Report\n## Market Disclosures under Piller-III\n# Sustainability Analysis and Integrated Reporting\n## Report on Sustainable Banking\n## Report on Human Resources\n## Report on Financial Inclusion\n## Customer Care\n## Citizen Charter\n## Report on Corporate Social Responsibility\n## Contribution to National Economy\n# Management Review and Other Information\n## Management Discussion and Analysis\n## Products and Services of SBPLC\n## Media Highlights 2023\n## Awards and Recognition\n# Auditors’ Report and Financial Statements\n## Auditors’ Report\n## Consolidated Financial Statements-SBPLC\n## Financial Statements-SBPLC (Solo)\n## Financial Statements of subsidiaries\n# Additional Information\n## Domestic Branches of SBPLC\n## Branch Network and Remittance Network\n## Overseas Branches and Representative Branches\n## List of Acronyms","[{\"question\":\"What governance principles does Sonali Bank PLC emphasize in the 2023 annual report?\",\"answer\":\"The report emphasizes transparency, accountability, ethical conduct, and effective board oversight. It also highlights proper communication with stakeholders and alignment of interests through regulatory compliance and industry standards.\"},{\"question\":\"Which financial results for 2023 are highlighted as key achievements?\",\"answer\":\"The report highlights net profit, operating profit, deposits, total assets, net interest income, and advances/loans. It also provides key ratios such as advance-deposit ratio, earnings per share, and profitability metrics including ROA and ROE.\"},{\"question\":\"How does the report present risk management and regulatory compliance?\",\"answer\":\"It includes sections on core risk management reporting and BASEL-III compliance, along with market disclosures under Pillar-III. Related committee and governance compliance materials are also covered.\"}]","Sonali Bank PLC Annual Report 2023 | PDF",1152]