ALARABANK

Al-Arafah Islami Bank PLC. · Bank · Cat Z

11/100

High risk

৳16.0

DSE Hexagon

Stands out for trades below its estimated worth.

Six lenses, each scored 0–100 from the analysis. Integrity is DSE-specific — it reads how organic the price action is (high = clean, low = concentrated-operator risk). Descriptive only, not a recommendation.

Risks & rewards

Risks (4)

⚠ Z-category — higher default/governance risk
⚠ Earnings trending down
⚠ Dividend sustainability at risk
⚠ Financial health deteriorating

Rewards (1)

✓ Trades below estimated fair value

Score breakdown

Price history & performance

52-week high৳19.2

52-week low৳12.1

From 52w high-16.7%

Beta0.46

7D +3.2%

1M +11.9%

3M +0.6%

6M +3.2%

1Y -8.6%

YTD +7.4%

Shareholder returns vs DSEX

ALARABANK+0.0%

DSEX+2.4%

ALARABANK underperformed the DSEX since Jul 8, 2026 — that's when we started tracking the index, so this window will get longer over time.

Volatility

Annualized volatility26.2%

Daily VaR (95%)-2.08%

Max drawdown (5y)-55.7%

Correlation to market0.23

Calmer than most DSE stocks. Descriptive only — past volatility is not a forecast.

Technical read

RSI (14)68.0

MACDbullish

Bollingerinside bands (+1.6σ)

Price cycle (Wyckoff)

Health trenddeteriorating

Flow pressureaccumulation

Valuation

Fair value ()

Upside—

Dividend yield+6.20%

Fundamental verdictAT-RISK

Confidence—

Ownership

Institutional holding37.88%

Foreign holding0.03%

Free float46.98%

Sponsor, institutional, foreign and public holdings from the latest disclosed shareholding pattern. Descriptive only.

Share structure

Authorized capital৳15,000mn

Paid-up capital৳11,516.92mn

Face value৳10

Market lot1

Outstanding shares1,151,691,713

Last AGM12-11-2025

Fiscal year end31-Dec

Reserve & surplus (ex-OCI)৳14,179.2mn

Other comprehensive income৳0mn

Financials

Recent P/E ratio

DateCurrent P/ETrailing P/E

Jul 14, 2026 28.57 19.05

Jul 13, 2026 28.57 19.05

Jul 12, 2026 28.57 19.05

Jul 9, 2026 28.57 19.05

Jul 8, 2026 28.57 19.05

Jul 7, 2026 28.21 18.81

Based on the latest un-audited financial statements. Descriptive only.

Dividend history

202310%

202212%

202115%

202015%

201913%

201815%

201715%

201620%

201510%

201414%

200220%

20017.5%

200012%

199912%

199815%

Earnings & NAV

YearEPSNAVDividend

2025 0.74 21.16 0%

2024 0.66 20.85 0%

2023 2.14 22.63 10%

2022 1.95 22.75 12%

Quarterly EPS — FY2026

Q10.14

Q2—

Half-year—

Q3—

Nine-month—

From disclosed annual reports and dividend declarations. Descriptive only, not a forecast.

Levels

Resistance

৳16

৳16.5

৳17.3

৳17.9

Support

৳15.9

৳15.4

৳14.6

৳14.1

Historical bounce zones

Feb 24, 2025: ৳19→৳23.2 +22%

Mar 11, 2025: ৳20.5→৳23.8 +16%

May 29, 2025: ৳15→৳18 +20%

Jun 22, 2025: ৳16.4→৳19.5 +19%

Nov 9, 2025: ৳12→৳17.3 +44%

Jan 25, 2026: ৳12.5→৳18.5 +48%

Feb 18, 2026: ৳15.7→৳18.1 +15%

May 13, 2026: ৳13.1→৳15.6 +19%

Sector peers

Other Bank names, ranked by our analysis score (DSE has no market-cap feed). Descriptive comparison only.

ScripScorePriceUpsideYield

MTBMutual Trust Bank PLC 82 ৳14.0 +84.00% +7.30%SHAHJABANKShahjalal Islami Bank PLC. 82 ৳17.6 +50.00% +7.40%JAMUNABANKJamuna Bank PLC. 80 ৳23.5 +8.00% +12.30%EBLEastern Bank PLC. 80 ৳24.5 +71.00% +10.20%DHAKABANKDhaka Bank PLC. 77 ৳12.3 +72.00% +8.30%CITYBANKCity Bank PLC. 76 ৳31.1 +124.00% +4.90%

Historical outlook

Based on how similar setups behaved historically — not a prediction of what will happen.

10-day 40% vs 40% market avg Typical move: -6.4% / -1.3% / 5.7%

30-day 41% vs 42% market avg Typical move: -10.7% / -2.5% / 8.8%

Signals: RSI>70 overbought|Above upper Bollinger

Reference levels

Descriptive reference points from the analysis — not instructions to buy or sell.

Entry readAVOID (dormant/dirty)

Reference stopn/a

Reference target—

Timing notestay out

Elevated (score 120) — acceptable only with real earnings and sponsor backing; artificial-activity lens applies. Phase: DORMANT (4% >200-MA, flow ACC). Z-cat. [fundamentals AT-RISK (dividend cut risk), payout 135.0%, yield 6.2%]