Progress at a glance  

 2005  

 2004  

 2003  

 2002  

 2001

From the Balance Sheet (Million Taka)

Authorized Capital  

 2,000.00  

 2,000.00  

 2,000.00  

 500.00  

 500.00

Paid-up Capital  

 810.00  

 675.00  

 450.00  

 300.00  

 300.00

Reserve and Surplus  

 916.14  

 816.23  

 799.29  

 712.90  

 461.39

Shareholders' Equity  

 1,726.14  

 1,491.23  

 1,249.29  

 1,012.90  

 761.35

Fixed Assets  

 135.78  

 101.41  

 73.49  

 76.68  

 65.73

Total Assets  

 27,136.37  

 19,436.57  

 14,766.32  

 13,019.42  

 9,721.93

Deposits  

 22,325.58  

 15,509.18  

 11,266.54  

 10,021.24  

 7,512.62

Long- term Debt  

 937.51  

 839.61  

 690.95  

 676.51  

 582.82

Loans and Advances  

 15,339.35  

 12,000.15  

 9,282.20  

 7,957.04  

 6,260.78

Placement & Investment  

 10,236.82  

 6,098.51  

 4,361.93  

 3,988.76  

 2,605.23

From the Income Statement (Million Taka)   

Gross Income  

 2,228.21  

 1768.85  

 1,558.52  

 1,290.66  

 1,041.76

Gross Expenditure  

 1,599.77  

 1,241.63  

 1,004.85  

 856.15  

 685.64

Profit before Tax  

 628.44  

 527.22  

 553.67  

 434.51  

 356.12

Profit after Tax  

 285.49  

 291.48  

 236.39  

 251.55  

 213.67

Tax Paid (Cumulative)  

 1,777.70  

 1,434.76  

 1,199.02  

 881.73  

 698.76

Others (Million Taka)

Import Business  

 14,094.96  

 12,508  

 9,882.80  

 8,645.00  

 7,542.80

Export Business  

 11,097.23  

 7,908  

 6,933.90  

 5,557.60  

 5,957.90

Financial Ratios (Percentage)    

Capital Adequacy Ratio  

 11.66  

 12.49  

 12.57  

 13.20  

 12.49

Capital Fund to Deposit Liabilities  

 10.36  

 10.47  

 10.65  

 10.11  

 10.13

Liquid Assets to Deposit Liabilities  

 58.01  

 50.36  

 51.05  

 54.80  

 51.47

Loan to Deposit Liabilities  

 69.74  

 77.37  

 82.39  

 79.40  

 83.34

Earning Assets to Deposit Liabilities  

 114.56  

 116.70  

 121.10  

 119.20  

 118.01

After Tax Return on Average Assets  

 1.23  

 1.70  

 1.70  

 2.20  

 2.45

Net Profit to Gross Income  

 12.81  

 16.48  

 15.17  

 19.35  

 20.51

Interest Magin Cover  

 214.56  

 205.07  

 210.87  

 187.00  

 173.91

After Tax Return on Equity  

 17.75  

 21.27  

 20.90  

 28.18  

 28.06

SMI/SSI Loan and  

Micro Credit to Total Loan  

 67.00  

 62.21  

 59.16  

 63.00  

 50.18

Number of Branches  

27  

 27  

 26  

 26  

 25

Number of Employees  

 601  

 578  

 523  

 510  

 497

Progress at a glance  

 2000  

 1999  

 1998  

 1997

From the Balance Sheet (Million Taka)   

Authorized Capital  

 500.00  

 500.00  

 500.00  

 500.00

Paid-up Capital  

 240.00  

 160.00  

 80.00  

 80.00

Reserve and Surplus  

 457.77  

 424.43  

 394.48  

 258.34

Shareholders' Equity  

 697.77  

 584.43  

 474.48  

 338.34

Fixed Assets  

 51.11  

 37.83  

 41.96  

 36.39

Total Assets  

 7730.67  

 7,173.17  

 5620.57  

 4350.14

Deposits  

 5,845.15  

 5,647.93  

 4,551.48  

 3,541.60

Long- term Debt  

 555.98  

 368.85  

 344.61  

 273.29

Loans and Advances  

 4,618.73  

 3,960.11  

 3,218.90  

 2,630.90

Placement & Investment  

 2,462.17  

 2,021.19  

 2,040.72  

 1,395.59

From the Income Statement (Million Taka)    

Gross Income  

 877.48  

 794.59  

 591.64  

 440.46

Gross Expenditure  

 573.30  

 528.01  

 364.73  

 268.83

Profit before Tax  

 304.18  

 266.58  

 226.91  

 171.63

Profit after Tax  

 173.34  

 159.95  

 136.15  

 94.61

Tax Paid (Cumulative)  

 556.31  

 425.47  

 318.84  

 228.08

Others (Million Taka)  

Import Business  

 7,948.00  

 7,391.10  

 7,208.20  

 7,017.56

Export Business  

 5,557.00  

 5,060.30  

 4,420.20  

 3,754.87

Financial Ratios (Percentage)  

Capital Adequacy Ratio  

 15.30  

 14.27  

 14.01  

 12.45

Capital Fund to Deposit Liabilities  

 11.94  

 10.34  

 10.42  

 9.55

Liquid Assets to Deposit Liabilities  

 59.52  

 59.09  

 62.29  

 59.58

Loan to Deposit Liabilities  

  79.02  

 66.71  

 66.81  

 69.86

Earning Assets to Deposit Liabilities  

 117.74  

 85.34  

 115.56  

 113.69

After Tax Return on Average Assets  

 2.33  

 2.50  

 2.73  

 2.28

Net Profit to Gross Income  

 19.75  

 20.45  

 23.01  

 21.48

Interest Magin Cover  

 150.67  

 112.67  

 192.07  

 194.64

After Tax Return on Equity  

 27.04  

 30.21  

 28.69  

 27.96

Progress at a glance  

 1996  

 1995  

 1994  

 1993

From the Balance Sheet (Million Taka)     

Authorized Capital  

 100.00  

 100.00  

 100  

 100

Paid-up Capital  

 80.00  

 80.00  

 80  

 80

Reserve and Surplus  

 163.73  

 105.96  

 53.49  

 27.81

Shareholders' Equity  

 243.73  

 185.96  

 133.49  

 107.81

Fixed Assets  

 25.45  

 21.27  

 21.37  

 20.82

Total Assets  

 3962.55  

 3280.16  

 2609.85  

 2321.13

Deposits  

 3,357.05  

 2,773.73  

 2241.33  

 1977.60

Long- term Debt  

 196.45  

 166.08  

 119.68  

 122.18

Loans and Advances  

 1,724.81  

 1,561.29  

 1112.24  

 986.61

Placement & Investment  

 1,320.43  

 995.57  

 483.9  

 672.29

From the Income Statement (Million Taka)   

Gross Income  

 311.43  

 291.62  

 232.87  

 197.67

Gross Expenditure  

 207.41  

 191.66  

 81.51  

 163.01

Profit before Tax  

 104.02  

 99.96  

 51.36  

 34.66

Profit after Tax  

 57.77  

 52.48  

 25.68  

 17.33

Tax Paid (Cumulative)  

 151.06  

 104.81  

 57.33  

 31.65

Others (Million Taka)  

Import Business  

 4,986.10  

 4,657.86  

 2613.5  

 1851.13

Export Business  

 2,609.30  

 1,783.09  

 1227.08  

 718.63

Financial Ratios (Percentage)  

Capital Adequacy Ratio 12.39

No t I n t r oduced  

Capital Fund to Deposit Liabilities  

 7.26  

 6.70  

 5.96  

 5.45

Liquid Assets to Deposit Liabilities  

 70.42  

 66.22  

 68.17  

 66.91

Loan to Deposit Liabilities  

 47.82  

 54.17  

 49.62  

 49.89

Earning Assets to Deposit Liabilities  

 99.57  

 97.52  

 74.04  

 83.69

After Tax Return on Average Assets  

 1.60  

 1.78  

 1.04  

 0.76

Net Profit to Gross Income  

 18.54  

 18.00  

 11.03  

 8.77

Interest Magin Cover  

 112.45  

 109.68  

 60.33  

 84.98

After Tax Return on Equity  

 23.70  

 28.22  

 21.28  

 17.48

Small Scale Industries Loan and  

Micro Credit to Total Loan  

 40.99  

 43.44  

 46.25  

 22.16

Number of Branches  

 19  

 18  

 17  

 16

Number of Employees  

 315  

 300  

 238  

 196

Progress at a glance  

 1992  

 1991  

 1990  

 1989

From the Balance Sheet (Million Taka)  

Authorized Capital  

 100  

 100  

 100  

 100

Paid-up Capital  

 80  

 80  

 80  

 80

Reserve and Surplus  

 10.48  

 4.83  

 4.36  

 1.09

Shareholders' Equity  

 90.48  

 84.83  

 84.36  

 81.09

Fixed Assets  

 16.26  

 15.15  

 14.08  

 7.62

Total Assets  

 1646.95  

 991.37  

 661.91  

 406.73

Deposits  

 1367.36  

 843.79  

 529.19  

 317.72

Long- term Debt  

 125.8  

 30  

 30  

 0

Loans and Advances  

 715.75  

 432.80  

 200  

 66.45

Placement & Investment  

 553.61  

 404.60  

 341.11  

 287.52

From the Income Statement (Million Taka)  

Gross Income  

 126.70  

 98.80  

 61.11  

 28.42

Gross Expenditure  

 117.52  

 95.33  

 52.22  

 24.28

Profit before Tax  

 9.18  

 3.47  

 8.89  

 4.14

Profit after Tax  

 4.13  

 2.87  

 3.27  

 1.09

Tax Paid (Cumulative)  

 14.32  

 9.27  

 8.67  

 3.05

Others (Million Taka)  

Import Business  

 1656.70  

 1144.16  

 582.39  

 296.41

Export Business  

 365.50  

 115.64  

 36.76  

 0

Financial Ratios (Percentage)  

Capital Adequacy Ratio  

 N o t I n t r o d u c e d        

Capital Fund to Deposit Liabilities  

 6.62  

 10.05  

 15.94  

 25.52

Liquid Assets to Deposit Liabilities  

 75.59  

 61.21  

 81.86  

 104.05

Loan to Deposit Liabilities  

 52.35  

 51.29  

 37.79  

 20.91

Earning Assets to Deposit Liabilities  

 92.70  

 101.48  

 102.99  

 111.41

After Tax Return on Average Assets  

 0.23  

 0.23  

 0.39  

 0.35

Net Profit to Gross Income  

 3.26  

 2.9  

 5.35  

 3.84

Interest Magin Cover  

 57.85  

 82.15  

 102.43  

 123.1

After Tax Return on Equity  

 4.71  

 3.39  

 3.95  

 1.34

Small Scale Industries Loan and  

Micro Credit to Total Loan  

 15.38  

 15.56  

 23.84  

 28.12

Number of Branches  

 13  

 10  

 7  

 3

Number of Employees  

 159  

 124  

 100  

 48