Progress at a glance

1992 - 1995 | 1996 - 1999 | 2000 - 2003| | 2004 - 2008|

Progress at a Glance (2004-2008)

Progress at a glance	2008	2007	2006	2005	2004
From the Balance Sheet (Million Taka)
Authorized Capital	2,000.00	2,000.00	2,000.00	2,000.00	2,000.00
Paid-up Capital	1309.77	1247.40	945.00	810.00	675.00
Reserve and Surplus	1681.39	1349.17	1294.00	916.14	816.23
Shareholders' Equity	2,982.60	2,596.58	2,239.00	1,726.14	1,491.23
Fixed Assets	228.36	196.11	154.52	135.78	101.41
Total Assets	46,651.53	38,773.91	29,417.09	27,136.37	19,436.57
Deposits	38,368.23	31,947.98	24,084.65	22,325.58	15,509.18
Long- term Debt	1708.4	1385.81	830.06	937.51	839.61
Loans and Advances	27,269.13	22,263.35	19,000.00	15,339.35	12,000.15
Placement & Investment	15,653.2	13,560.92	8,212.23	10,236.82	6,098.51
From the Income Statement (Million Taka)
Gross Income	5,060.29	3,549.51	2870.32	2,228.21	1768.85
Gross Expenditure	3,526.18	2,741.37	1,858.69	1,599.77	1,241.63
Profit before Tax	1534.11	808.14	1,011.62	628.44	527.22
Profit after Tax	549.95	282.96	554.14	285.49	291.48
Tax Paid (Cumulative)	3,538.09	2,790.98	2,245.16	1,777.70	1,434.76
Others (Million Taka)
Import Business	27,359.77	21,266.57	17,804.27	14,094.96	12,508
Export Business	22,270.87	16,794.96	15,463.74	11,097.23	7,908
Financial Ratios (Percentage)
Capital Adequacy Ratio	12.02	12.91	11.98	11.66	12.49
Capital Fund to Deposit Liabilities	7.81	9.23	10.34	10.36	10.47
Liquid Assets to Deposit Liabilities	47.70	49.10	40.42	58.01	50.36
Loan to Deposit Liabilities	71.07	69.69	78.89	69.74	77.37
Earning Assets to Deposit Liabilities	114.69	109.70	112.99	114.56	116.70
After Tax Return on Average Assets	1.30	.83	1.94	1.23	1.70
Net Profit to Gross Income	10.87	7.97	19.31	12.81	16.48
Interest Magin Cover	137.08	176.80	211.72	214.56	205.07
After Tax Return on Equity	19.68	11.70	27.82	17.75	21.27
SMI/SSI Loan and
Micro Credit to Total Loan	59.32	56.73	53.43	67.00	62.21
Number of Branches	31	30	28	27	27
Number of Employees	735	721	651	601	578

Progress at a Glance (2000-2003)

Progress at a glance	2003	2002	2001	2000
From the Balance Sheet (Million Taka)
Authorized Capital	2,000.00	500.00	500.00	500.00
Paid-up Capital	450.00	300.00	300.00	240.00
Reserve and Surplus	799.29	712.90	461.39	457.77
Shareholders' Equity	1,249.29	1,012.90	761.35	697.77
Fixed Assets	73.49	76.68	65.73	51.11
Total Assets	14,766.32	13,019.42	9,721.93	7730.67
Deposits	11,266.54	10,021.24	7,512.62	5,845.15
Long- term Debt	690.95	676.51	582.82	555.98
Loans and Advances	9,282.20	7,957.04	6,260.78	4,618.73
Placement & Investment	4,361.93	3,988.76	2,605.23	2,462.17
From the Income Statement (Million Taka)
Gross Income	1,290.66	1,290.66	1,041.76	877.48
Gross Expenditure	856.15	856.15	685.64	573.30
Profit before Tax	434.51	434.51	356.12	304.18
Profit after Tax	251.55	251.55	213.67	173.34
Tax Paid (Cumulative)	881.73	881.73	698.76	556.31
Others (Million Taka)
Import Business	1,558.52	8,645.00	7,542.80	7,948.00
Export Business	1,004.85	5,557.60	5,957.90	5,557.00
Financial Ratios (Percentage)	553.67
Capital Adequacy Ratio	12.57	13.20	12.49	15.30
Capital Fund to Deposit Liabilities	10.65	10.11	10.13	11.94
Liquid Assets to Deposit Liabilities	51.05	54.80	51.47	59.52
Loan to Deposit Liabilities	82.39	79.40	83.34	79.02
Earning Assets to Deposit Liabilities	121.10	119.20	118.01	117.74
After Tax Return on Average Assets	1.70	2.20	2.45	2.33
Net Profit to Gross Income	15.17	19.35	20.51	19.75
Interest Magin Cover	210.87	187.00	173.91	150.67
After Tax Return on Equity	20.90	28.18	28.06	27.04
Small Scale Industries Loan and
Micro Credit to Total Loan	59.16	63.00	50.18	46.96
Number of Branches	26	26	25	25
Number of Employees	523	510	497	453

Progress at a Glance (1996-1999)

Progress at a glance	1999	1998	1997	1996
From the Balance Sheet (Million Taka)
Authorized Capital	500.00	500.00	500.00	100.00
Paid-up Capital	160.00	80.00	80.00	80.00
Reserve and Surplus	424.43	394.48	258.34	163.73
Shareholders' Equity	584.43	474.48	338.34	243.73
Fixed Assets	37.83	41.96	36.39	25.45
Total Assets	7,173.17	5620.57	4350.14	3962.55
Deposits	5,647.93	4,551.48	3,541.60	3,357.05
Long- term Debt	368.85	344.61	273.29	196.45
Loans and Advances	3,960.11	3,218.90	2,630.90	1,724.81
Placement & Investment	2,021.19	2,040.72	1,395.59	1,320.43
From the Income Statement (Million Taka)
Gross Income	794.59	591.64	440.46	311.43
Gross Expenditure	528.01	364.73	268.83	207.41
Profit before Tax	266.58	226.91	171.63	104.02
Profit after Tax	159.95	136.15	94.61	57.77
Tax Paid (Cumulative)	425.47	318.84	228.08	151.06
Others (Million Taka)
Import Business	7,391.10	7,208.20	7,017.56	4,986.10
Export Business	5,060.30	4,420.20	3,754.87	2,609.30
Financial Ratios (Percentage)
Capital Adequacy Ratio 12.39	No t I n t r oduced
Capital Fund to Deposit Liabilities	14.27	14.01	12.45
Capital Fund to Deposit Liabilities	10.34	10.42	9.55	7.26
Liquid Assets to Deposit Liabilities	59.09	62.29	59.58	70.42
Loan to Deposit Liabilities	66.71	66.81	69.86	47.82
Earning Assets to Deposit Liabilities	85.34	115.56	113.69	99.57
After Tax Return on Average Assets	2.50	2.73	2.28	1.60
Net Profit to Gross Income	20.45	23.01	21.48	18.54
Interest Magin Cover	112.67	192.07	194.64	112.45
After Tax Return on Equity	30.21	28.69	27.96	23.70
Small Scale Industries Loan and
Micro Credit to Total Loan	40.09	42.21	35.83	40.99
Number of Branches	23	22	21	19
Number of Employees	417	372	351	315

Progress at a Glance(1992-1995)

Progress at a glance	1995	1994	1993	1992
From the Balance Sheet (Million Taka)
Authorized Capital	100.00	100	100	100
Paid-up Capital	80.00	80	80	80
Reserve and Surplus	105.96	53.49	27.81	10.48
Shareholders' Equity	185.96	133.49	107.81	90.48
Fixed Assets	21.27	21.37	20.82	16.26
Total Assets	3280.16	2609.85	2321.13	1646.95
Deposits	2,773.73	2241.33	1977.60	1367.36
Long- term Debt	166.08	119.68	122.18	125.8
Loans and Advances	1,561.29	1112.24	986.61	715.75
Placement & Investment	995.57	483.9	672.29	553.61
From the Income Statement (Million Taka)
Gross Income	291.62	232.87	197.67	126.70
Gross Expenditure	191.66	81.51	163.01	117.52
Profit before Tax	99.96	51.36	34.66	9.18
Profit after Tax	52.48	25.68	17.33	4.13
Tax Paid (Cumulative)	104.81	57.33	31.65	14.32
Others (Million Taka)
Import Business	4,657.86	2613.5	1851.13	1656.70
Export Business	1,783.09	1227.08	718.63	365.50
Financial Ratios (Percentage)
Capital Adequacy Ratio	N o t I n t r o d u c e d
Capital Fund to Deposit Liabilities	6.70	5.96	5.45	6.62
Liquid Assets to Deposit Liabilities	66.22	68.17	66.91	75.59
Loan to Deposit Liabilities	54.17	49.62	49.89	52.35
Earning Assets to Deposit Liabilities	97.52	74.04	83.69	92.70
After Tax Return on Average Assets	1.78	1.04	0.76	0.23
Net Profit to Gross Income	18.00	11.03	8.77	3.26
Interest Magin Cover	109.68	60.33	84.98	57.85
After Tax Return on Equity	28.22	21.28	17.48	4.71
Small Scale Industries Loan and
Micro Credit to Total Loan	43.44	46.25	22.16	15.38
Number of Branches	18	17	16	13
Number of Employees	300	238	196	159