1997

1998

1999

2000

2001

2002

2003

2004

At Year End              Million Taka

Total Loans and Advances 

2474.25

3040.64

3960.11

4618.73

6260.78

7957.04

9282.20

12000.15

Total Investment

645.53

1067.88

730.82

1074.18

870.36

1566.61

1883.42

2252.96

Total Assets

6520.57

5620.57

7173.17

7730.67

9721.93

13019.42

14766.32

19436.57

Total Deposits

3541.60

4551.48

5647.93

5845.15

7512.62

10021.24

11266.54

15509.18

Long-term Debt

273.29

344.61

368.85

555.98

582.82

676.51

690.95

839.61

Total Shareholder's Equity

338.34

474.48

584.43

697.77

761.35

1012.89

1199.79

1491.27

Financial Ratios     (Percentage)

Capital Adequacy Ratio *

12.45

14.01

14.27

15.30

12.49

13.20

12.57

12.49

Capital fund to deposit Liabilities

9.55

10.42

10.35

11.94

10.13

10.11

10.65

10.47

Liquid Assets to Total Deposit

59.58

62.29

59.09

59.52

51.47

54.80

51.05

50.56

Loan to total Deposit

69.86

66.81

66.71

75.62

83.34

79.40

82.39

77.37

Earning Assets to Total Deposit

113.69

115.56

85.34

117.74

118.01

119.20

121.10

116.70

After tax return on Average Assets

2.28

2.73

2.50

2.33

2.45

2.21

1.70

1.70

Net Profit to Gross Income

21.48

23.01

20.45

19.75

20.51

19.49

15.17

16.48

Interest Margin Cover

194.64

192.07

112.67

150.67

173.91

191.07

210.87

205.07

Return on Equity (after tax)

27.96

28.69

30.21

27.04

28.06

28.36

21.37

21.27

Industrial Loans including Micro Enterprises to Total Loans

55.00

65.00

54.70

61.83

63.14

63.00

59.16

62.21

Non performing Loans to Total Loans

5.67

5.67

4.21

3.73

3.67

5.12

4.25

3.70

Salary & Allowances Per Unit    Million Taka

Deposit (Tk. 100m)

1.21

1.07

1.14

1.29

1.34

1.18

1.27

0.98

Advance (Tk. 100m)

1.73

1.60

1.63

1.63

1.61

1.48

1.54

1.27

Per Employee        Million Taka

Deposit

9.98

12.12

13.54

12.90

15.12

19.65

21.54

26.83

Advance

7.50

8.65

9.50

10.20

12.60

15.60

17.75

20.76

Profit

0.49

0.61

0.64

0.67

0.72

0.85

1.06

0.91

Earnings Analysis     Million Taka

Total Income

440.46

591.64

782.29

877.47

1041.76

1290.66

1558.52

1768.85

Total Operating Expense

268.83

364.73

515.71

573.29

685.73

856.15

1004.85

1241.63

Profit before Tax

171.63

226.91

266.58

304.19

356.12

434.51

553.67

527.22

Income Tax

77.02

90.76

106.63

130.84

142.45

182.97

317.28

235.74

Net Profit after Tax

94.61

136.15

159.95

173.34

213.67

251.55

236.39

291.48