|
|
|
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 |
||
*Based on
risk-weighted assets. The Bank has been calculating the ratio since 1996.