introduction - bb.org.bdagrani bank limited. 2. janata bank limited. 3. rupali bank limited. 4....

i

INTRODUCTION

After liberation, the banks operating in Bangladesh (except those incorporated abroad) were nationalised. These banks were merged and grouped into six commercial banks. Of the total six commercial banks, Pubali Bank Ltd. and Uttara Bank Ltd. were subsequently transferred to the private sector with effect from January 1985. Rupali Bank was transferred as public limited company from December1986. The rest three State Owned Banks were operating as public limited company from the quarter „October-December‟2007. The two Govt. owned specialised banks were renamed as Bangladesh Krishi Bank and Bangladesh Shilpa Bank. In March 1987 Bangladesh Krishi Bank was bifurcated and another specialised bank emerged as Rajshahi Krishi Unnayan Bank (RAKUB) for Rajshahi Division. Bank of Small Industries & Commerce Bangladesh Ltd. (BASIC) started its operation as a private bank from September 1988. Later on BASIC was brought under direct control of the Government and was reckoned to as a specialised bank with effect from June 1993. From July 1995 again the BASIC was categorised as a private bank. In 1997, Government decided to treat this bank as a specialised bank again. So in this booklet, the BASIC has been treated as a specialised bank. BSB & BSRS merged and renamed as BDBL from the quarter January-March‟2010. Standard Chartered Grindlays Bank was merged with Standard Chartered Bank during the Quarter (January-March, 2003). American Express Bank also merged with Standard Chartered Bank during the quarter (October-December, 2005).The Oriental Bank Ltd. an Islamic private bank was renamed as ICB Islamic Bank Ltd. from the quarter (April-June, 2008). Credit Agricole Indosuez, a foreign private bank is renamed as Commercial Bank of Ceylon Ltd. from the quarter (October-December, 2003). Shamil Bank is renamed as Bank Al-Falah Ltd. from the quarter (April-June, 2005). Arab

Bangladesh Bank Ltd is renamed as AB Bank Ltd from the quarter (January-March, 2008) and Social Investment Bank Ltd is renamed as Social Islami Bank Ltd from the quarter (April-June, 2009). It is mentioned that First Security Bank Ltd has started its operation according to Islamic Sariah from the quarter (January-March‟2009), Shahjalal Bank Ltd. has started its operation according to Islamic Sariah from the quarter „April-June‟2001 and it is renamed as Shahjalal Islami Bank Ltd. from the quarter „April-June‟2004 and EXIM Bank Ltd has also started its operation according to Islamic Sariah from the quarter (July-September, 2004). The branches of foreign banks operating in Bangladesh are being treated as foreign private banks.

Among all fourth generation

Scheduled Banks “NRB COMMERCIAL BANK LTD.”, “SOUTH BANGLA AGRICULTURE AND COMMERCE BANK LTD.”, “MEGHNA BANK LTD.”, “THE FARMERS BANK LTD.”, and “UNION BANK LTD.” have started their operation from the quarter April-June, 2013. It is mentioned that Union Bank Ltd. based on Islamic Sariah.

All such banks operating in

Bangladesh with different paid-up capital and reserves having a minimum of an aggregate value of Tk. 50 lacs and conducting their affairs to the satisfaction of the Bangladesh Bank have been declared as scheduled banks in terms of section 37(2) of Bangladesh Bank Order 1972. In terms of section 13 of Bank Company Act, 1991, the minimum aggregate value was Tk. 20 crores. From 30

th March‟

2003 it was Tk 100 crores. From 8th

October‟ 2007 it was Tk. 200 crores . From 11

th

August‟ 2011, it has been raised at the minimum of Tk. 400 crores ( as per Circular Letter No. BRPD (R-1) 717/ 2008 - 511 dated August 12, 2008).

ii

The names of the scheduled banks

whose operations are recorded in this

volume are as below:

A. STATE OWNED BANKS:

1. Agrani Bank Limited.

2. Janata Bank Limited.

3. Rupali Bank Limited.

4. Sonali Bank Limited.

B. SPECIALSED BANKS:

1. Bangladesh Krishi Bank.

2. Rajshahi Krishi Unnayan Bank.

3. Bank of Small Industries and

Commerce Bangladesh Ltd.

4. Bangladesh Development

Bank Limited.

C. PRIVATE BANKS:

a) Foreign Banks:

1. Standard Chartered Bank

2. State Bank of India

3. Habib Bank Ltd.

4. Citi Bank, N.A.

5. Commercial Bank of Ceylon Ltd.

6. National Bank of Pakistan

7. Woori Bank

8. The Hong Kong & Shanghai Banking

Corporation Ltd.

9. Bank Al-Falah Ltd.

b) Private Banks (Incorporated in

Bangladesh excluding Islamic

Banks):

1. AB Bank Ltd.

2. National Bank Ltd.

3. The City Bank Ltd.

4. International Finance Investment and

Commerce Bank Ltd.

5. United Commercial Bank Ltd.

6. Pubali Bank Ltd.

7. Uttara Bank Ltd.

8. Eastern Bank Ltd.

9. National Credit and Commerce Bank

Ltd.

10. Prime Bank Ltd.

11. Southeast Bank Ltd.

12. Dhaka Bank Ltd.

13. Dutch Bangla Bank Ltd.

14. Mercantile Bank Ltd.

15. Standard Bank Ltd.

16. One Bank Ltd.

17. Bangladesh Commerce Bank Ltd.

18. Mutual Trust Bank Ltd.

19. Premier Bank Ltd.

20. Bank Asia Ltd.

21. Trust Bank Ltd.

22. Jamuna Bank Ltd.

23. BRAC Bank Ltd.

24. NRB Commercial Bank Ltd.

25. South Bangla Agriculture And

Commerce Bank Ltd.

26. Meghna Bank Ltd.

27. The Farmers Bank Ltd.

c) Islamic Banks

1. Islami Bank Bangladesh Ltd.

2. ICB Islamic Bank Ltd.

3. Al-Arafah Islami Bank Ltd.

4. Social Islami Bank Ltd.

5. EXIM Bank Ltd.

6. First Security Islami Bank Ltd.

7. Shahjalal Islami Bank Ltd.

8. Union Bank Ltd.

iii

The banks play an important role in the

economy of the country. Bangladesh Bank

has been collecting, compiling and publishing

statistics on scheduled banks for the use of

researchers, planners and policy makers.

The statistical tables contained in this

issue have been prepared from the returns

submitted by the individual bank branches of

scheduled banks as on the last day of the

quarter ending 30st June 2013. At the end of

the period under study the total number of

reported bank branches including SME

service centers stood at 8490, which contains

only 66 branches of foreign banks.

For useful presentation of data, banks

have been classified into several groups viz.

“All Banks”, “State owned Banks”,

“Specialised Banks”, “Foreign Banks”, and

“Private Banks” (Including Islamic Banks). A

separate subgroup named as “Islamic Banks”

has been introduced consisting of seven banks

(Incorporated in Bangladesh), run on the basis

of Islamic Sariah with effect from quarter

January-March 1998. These banks are 1)

Islami Bank Bangladesh Ltd. 2) ICB Islamic

Bank Ltd. 3) Al-Arafah Islami Bank Ltd. 4)

Social Islami Bank Ltd. 5) EXIM Bank Ltd.

6) Shahjalal Islami Bank Ltd. 7) First Security

Islami Bank Ltd. and 8) Union Bank Ltd. The

publication provides a detailed analysis of

bank deposits (excluding inter-bank)

mainly in the form of “by Types &

Sectors”, “ by Rates of Interest & Types”,

“ by Types of Account” and outstanding

advances and bills (excluding inter-bank

transactions) mainly in the form of “ by

Rates of Interest & Securities”, “by

Securities”, “by Size of Account”, “by

Economic Purposes” etc.

From the very inception, the

“Scheduled Banks Statistics” were being

collected and published on quarterly basis.

Later on from December, 1988 the collection

of data was done on half yearly basis and

publication made on annual basis ending

December every year. Subsequently, from

December 1990 the data were collected on

quarterly basis but published on annual basis.

Then it was decided to publish again on

quarterly basis from June 1992 and the

present publication follows as a sequel to the

change in the policy decision.

The role of agricultural credit in

fostering the economy of the country has

gained importance now a days. To this end in

mind agricultural credit statistics time series

data were collected and presented pertaining

to the period from 1981-82 to 2012-13.

The figures published in this booklet

may differ from those contained in the

statement of position of Scheduled Banks

released each week by the Bangladesh Bank

due to difference in timing and coverage.

From the quarter October-December,

2005, the Scheduled Banks were instructed to

follow the “Banking Statistics Guidelines”

fourth edition, published in September 2005.

In this brochure, all statistical tables have

been prepared on the basis of returns,

submitted by the scheduled banks as per the

booklet, published in September 2005.

For taking into account, the

remittances (in Foreign Currency) by the

Wage earners abroad, two types of deposits 1)

Wage Earners‟ Deposits & 2) Resident

Foreign Currency Deposits have been

introduced from the quarter ending on

December, 2001.

iv

EXPLANATORY NOTES TO THE TABLES

Table-1: Divisions/Districts wise

distribution of per capita

Deposits/Advances on the basis of

population: The table furnishes the

division/district wise distribution of

population, number of reporting bank

branches, per capita deposits and per capita

advances.

Table-2 to 7: Deposits Distributed by Types

of Accounts: These tables show the

classification of total demand and time

liabilities of scheduled banks (excluding inter-

bank) into fourteen broad types such as (a)

Current and Cash Credit Account (credit

balances) Deposits, (b) Deposits

withdrawable on Sight, (c) Savings Deposits,

(d) Convertible Taka Accounts of Foreigners,

(e) Foreign Currency Accounts, (f) Wage

Earners‟ Deposits, (g) Resident Foreign

Currency Deposits, (h) Special Notice

Deposits, (i) Fixed Deposits, (j) Pension

Scheme Deposits, (k) Margin Deposits

(Foreign Currency/Taka), (l) Special Purpose

Deposits, (m) Negotiable Certificates of

Deposits and (n) Restricted (Blocked)

Deposits.

a) Current and Cash Credit Accounts

Deposits: These are of the nature of

demand deposits and comprise current

accounts and credit balances of cash credit

accounts. Generally no interest is allowed

on these deposits. These deposits are to be

reported in code no.-100 as usual but from

the quarter, October-December, 2005

BRAC bank Ltd., a private bank has

started paying interest on this type of

account. This later type is to be reported

in code no.-105. These accounts have

chequing facilities and balances are

transferable.

b) Deposits Withdrawable on Sight: This

item includes all deposits which cannot be

transferred through cheques but are

withdrawable on demand such as overdue

Fixed Deposits Accounts, unclaimed

balances, payment orders, telephonic

transfers, mail transfers, demand drafts,

unclaimed dividends and draft payable

accounts, Earnest Money of

Tenders/Quotations etc.

c) Saving Deposits Account: Deposit on

these accounts is self-explanatory and

generally emanates from the individuals.

A portion, varying from time to time, of

savings deposits constitutes demand

deposits. From 1st July, 1996 11% of

savings deposits was regarded as demand

deposits and from 1st July 1997, it was

10%. At present from 24th

June, 2007, 9%

of savings deposits has been being

regarded as demand deposits.

d) Convertible Taka Account of

Foreigners: Convertible Taka account of

foreigners is deposits of foreign

individuals, embassies, foreign

Governments and international agencies,

all of which have non-resident status

under foreign exchange regulations.

e) Foreign Currency Accounts: Foreign

currency accounts consist of the deposits

(in foreign currency) of the foreigners

(residing abroad or in Bangladesh) and

foreign missions & their expatriate

employees.

f) Wage Earners’ Deposits: The depositors

of these accounts are the Bangladeshi

nationals, who work abroad. These

accounts are fed by the remittances (in

foreign currency) from these persons.

Deposits in NFCD accounts along with

interest thereon are also reported in these

accounts. .

g) Resident Foreign Currency Deposits: Persons ordinarily residing in Bangladesh

may open this account with foreign

exchanges brought in at the time of their

return from travel abroad. Deposits or

v

remittances from persons, working in

Bangladesh missions abroad and

Retention quota deposits by the exporters

are also included in these deposits.

h) Special Notice Deposits: This item

includes the deposits that are deposited for

a period ranging from 7 days to 89 days.

These types of liabilities are payable on

Special notice or after a specified period

other than the fixed deposits. Some of

these types of deposits are of the nature of

time deposits.

i) Fixed Deposits: These are reclassified by

period of maturity and are exclusively

time deposits.

j) Deposits Pension Scheme: According to

this scheme the investors would be

required to deposit their money limited to

maximum of Tk. 500 per month for a

period of 10 years and 20 years. Interest

on the invested amount will be

compounded at the rate of 15% and

calculated on yearly basis. Deposits

Pension schemes are of the nature of time

deposits and it was introduced in 1983.

Later on Deposits Scheme e.g. APS,

SDPS, SPS, PDS, PSS etc. and Hajj

Deposits Schemes have been introduced

by the various Banks with various interest.

k) Margin Deposits (Foreign

Currency/Taka): Equivalent Taka of

margin on letters of Credit and margins on

guarantee (in Taka & Foreign Currency)

are included in this item.

l) Special Purpose Deposits: This item

comprises employees‟ provident

funds/pension Accounts, contribution

towards insurance funds, Hajj Deposits,

Staff guarantee/Security funds, Security

Deposits, Gift Certificate Deposits,

Sundry deposits, Surcharge and

Development charge etc.

m) Negotiable Certificates of Deposits:

Negotiable certificates of deposits are

bearer certificate deposits and are of

nature of time deposits.

n) Restricted (Blocked) Deposits: The

balances of restricted (blocked) deposits

are reported in this item against Private

Sector. According to Special Law, the

competent authority blocks these

accounts. In blocked period, the

depositors cannot withdraw their deposits.

Table 8 to 13. Deposits Distributed by

Divisions/Districts and Areas (Urban &

Rural): These tables show the district-wise

distribution of deposits of urban and rural

regions of the country. It is mentioned that the

transaction of the branches in municipal area

is treated as urban area transaction (deposits

or advances as the case may be) while the

transaction of the branches located out-side

the municipal area is regarded as rural area

transaction (deposits or advances).

Table 14 to 19: Deposits Distributed by

Sectors and Types: These Tables provide a

break up of deposits by different sectors of

deposits mentioned in the paragraph number

two.


Rates of Interest/Profit and Types: These

tables show the rates of interest allowed by

the scheduled banks on different types of

deposits. No interest is allowed on current

deposits (Code no.-100) and deposits

withdrawable on sight while interest is

allowed on savings deposits, fixed deposits,

pension scheme deposits and foreign currency

accounts of non-residents and residents. The

rate of interest varies from time to time. The

amount of deposits against “Zero” rate of

interest under “Deposits Withdrawable on

Sight” represents mainly the bills payables

such as MT, DD, TT, outstanding drafts etc.

Depositors will have the option for

vi

withdrawing interest accumulated every

twelve months or can have the interest with

the principal to be compounded in case of

maturity exceeding one year. Profit/Loss is

applicable in the cases of Islamic Banks

(Islami Bank Bangladesh Ltd., ICB Islamic

Bank Ltd., Al-Arafah Islami Bank Ltd.,

Social Islami Bank Ltd., EXIM Bank Ltd,

First Security Islami Bank Ltd., Shahjalal

Islami Bank Ltd. and Union Bank Ltd.).


Size of Accounts: The Statistics of number of

Accounts and corresponding amount falling

within specified groups are not based

exclusively on individual accounts. As the

number of accounts is considerably large, the

respondents have the option to combine the

accounts and amount in such cases when the

types of deposits, the category of depositors

and the rates of interest allowed thereon are

the same. In such cases it is not the actual size

of components but the average size of the

group that determines the class to which it

belongs. Notwithstanding the existence of an

element of statistical errors, it is believed that

the estimates would not differ significantly

from the actual position.

Table 32: Deposits Distributed by Size of

Accounts and Sectors: The Tables provide a

break up of deposits by size of accounts and

sector.

Table 33: Deposits Distributed by Selected

Thanas: The statistics show the distribution

of deposits in the leading thanas of the

country and those have been presented in the

descending order of magnitude of deposits.

Table 34: Debits to Deposits Accounts and

Turnover: The table shows debits to various

types of deposit accounts during the period

under review. This also includes co-efficient

of turnover by relating debits to average

amounts of deposits.

Table 35 to 40: Advances Classified by

Securities: These tables show the break-up of

scheduled banks advances (excluding

interbank) by types of securities pledged or

hypothecated.


Economic Purposes: These tables show the

advances made by scheduled banks to

different economic purposes for which the

borrowers borrow. If a borrower pursues more

than one profession the classification is done

in accordance with his major calling.


Rates of Interest and Securities: These

tables give the rates of interest charged by the

scheduled banks on various types of securities

as well as clean advances. Advances to

“Zero” rate of interest mostly represent (a)

Advances to bank‟s own employees (b)

Classified advances (Bad/ Loss) (c) Advances

associated with clearing disputes etc.

Table 53: Advances Classified by Selected

Thanas: This table shows the classification of

advances in the leading thanas of the country

and those have been presented in the

descending order of magnitude of advances.

Table 54: Advances Classified by Size of

Accounts and Economic Groups: The table

provides statistics on advances classified by

size of accounts and economic groups. The

respondents can group those accounts

together where the securities, the economic

purpose, the category of borrowers and the

rates of interest are the same. As a result the

size of distribution suffers from a similar

limitation as its analogy in deposits.

Table 55 to 60: Advances Classified by Size

of Accounts: These tables provides statistics

on advances classified by size of accounts.

vii

Table 61: Advances Classified by Major

Economic Purposes and Sectors: The table

provides a break-up of advances classified by

major economic purposes to public and

private sectors.


Division / Districts and Areas (Urban /

Rural): These tables show the district-wise

classification of advances of urban and rural

regions of the country.

Table 68: Advances Classified by Size of

Accounts and Sectors: The table provides

statistics on advances classified by size of

accounts and sector.


Rates of Interest and Major Economic

Purposes: These tables provide rates of

interest charged by the scheduled banks on

advances for different economic purposes.

Table 75 to 80: Agricultural Credits

Statistics.

Table 81 to 86: Classification of Bills

purchased and discounted: The statement

provides an account of bills purchased and

discounted by major economic purposes of

drawees. Along with the corresponding

statement on advances the statistics provide

information on the structure of bank credit.

Table 87: Classification of Bills by sectors.

viii

A REVIEW ON DEPOSITS AND ADVANCES OF SCHEDULED BANKS

(AS ON END JUNE, 2013)

Banks’ Deposits:

Total deposit liabilities (excluding

interbank items) of the scheduled banks increased

by Tk.27220.01 crores or 5.00% to Tk. 572107.68

crores during the quarter April-June,2013 as

compared to increases of Tk. 12520.85 crores or

2.35% and Tk. 27712.36 crores or 6.04% in the

previous quarter (January-March,2013) and the

corresponding quarter (April-June, 2012) of the

last year respectively. The increase in deposits

during the quarter was due to increases in urban

deposits by Tk.21297.40 crores or 4.76% to Tk.

469016.83 crores and in rural deposits by

Tk. 5922.61 crores or 6.10% to Tk. 103090.85

crores. The share of urban deposits to total

deposits at the end of the quarter April-June,2013

was 81.98% as compared to 82.17% at the end of

the preceding quarter (January-March,2013) and

82.46% at the end of the corresponding quarter

(April-June,2012) of the last year. Bank deposits

registered an increase of Tk. 85700.47 crores or

17.62% from end June, 2012 to June, 2013 as

compared to an increase of Tk. 74821.66 crores or

18.18% from end June, 2011 to end June, 2012.

Banks' Advances:

Banks‟ advances increased by

Tk.10755.89 crores or 2.60% to Tk. 424804.47

crores during the quarter April-June, 2013 as


0.83% and Tk. 19825.80 crores or 5.42%

respectively during the preceding quarter

(January-March,2013) and the corresponding

quarter (April-June, 2012) of the last year. Bank

advances in urban areas increased by Tk. 9732.30

crores or 2.62% toTk. 381378.40 crores and in

rural areas increased by Tk. 1023.59 crores or

2.41% to Tk 43426.07 crores during the quarter

under review. Bank advances exhibited an

increase by Tk. 38871.33 crores or 10.07% from

end June, 2012 to end June, 2013 as compared to

an increase of Tk. 64648.27 crores or 20.12%

from end June, 2011 to end June, 2012.

ix

Bills:

Bills purchased and discounted by the banks

decreased by Tk. 341.99 crores or 1.37% to Tk

24701.75 crores during the quarter under review

as compared to decreases of Tk. 688.06 crores or

2.67% and Tk. 87.53 crores or 0.30% respectively

during the preceding quarter (January-March,

2013) and the corresponding quarter (April-June,

2012) of the last year.

Interest Rates (Weighted Average):

Weighted average rates of interest on

deposits and advances were 8.43% & 13.61%

respectively at the end of the quarter under review

as compared to 8.48% & 13.74% in January-

March, 2013 and 8.08% & 13.88% in April-June,

2012, quarters respectively. Quarterly position of

banks deposits, outstanding advances and bills is

shown in Table-1.

Table-1

OVERALL DEPOSITS, ADVANCES AND BILLS

(Taka in Crores)

At the end

of quarter

Deposits Advances Bills Weighted Weighted

Urban Rural Total Urban Rural Total Purchased

Average Interest Rate on

Average Interest Rate on

and Deposits Advances

Discounted

2012

Apr-Jun. 401096.95 85310.26 486407.21 345369.21 40563.93 385933.14 28765.95 8.08 13.88

82.46% 17.54% 100% 89.49% 10.51% 100%

(0.89) (39.51) (6.04) (2.08) (46.00) (5.42) (-0.30)

Jul-Sep. 414917.22 89123.82 504041.04 356979.96 41459.18 398439.14 26474.19 8.33 13.68

82.32% 17.68% 100% 89.59% 10.41% 100%

(3.45) (4.47) (3.63) (3.36) (2.21) (3.24) (-7.97)

Oct-Dec. 437748.54 94618.28 532366.82 368550.98 42074.12 410625.10 25731.80 8.37 13.85

82.23% 17.77% 100% 89.75% 10.25% 100%

(5.50) (6.16) (5.62) (3.24) (1.48) (3.06) (-2.80)

2013

Jan-Mar. 447719.43 97168.24 544887.67 371646.10 42402.48 414048.58 25043.74 8.48 13.74

82.17% 17.83% 100% 89.76% 10.24% 100%

(2.28) (2.69) (2.35) (0.84) (0.78) (0.83) (-2.67)

Apr-Jun. 469016.83 103090.85 572107.68 381378.40 43426.07 424804.47 24701.75 8.43 13.61

81.98% 18.02% 100% 89.78% 10.22% 100%

(4.76) (6.10) (5.00) (2.62) (2.41) (2.60) (-1.37)

Note: Figures in parentheses represent rates of growth in percent over the preceding quarter.

Minor differences may be observed due to rounding off.

x

Banks' Credit: Total credit of the Scheduled banks

increased by Tk 10413.90 crores or 2.37% to Tk.

449506.22 crores during the quarter under review

as compared to increases of Tk. 2735.42 crores or

0.63% and Tk. 19738.27 crores or 5.00%

respectively during the preceding quarter


quarter (April-June, 2012) of the last year.

Banks' Investment: The Scheduled banks' investment

increased by Tk. 21156.59 crores or 17.45% to

Tk. 142395.89 crores at the end of the quarter

April-June, 2013 as compared to increases of Tk.

8873.39 crores or 7.90% and Tk. 5493.95 crores

or 5.90% respectively during the preceding

quarter (January-March,2013) and the


last year.

Borrowings from the Bangladesh Bank: The Scheduled

Banks' borrowings from the Bangladesh Bank at

the end of the quarter under review decreased by

Tk. 369.20 crores or 3.77% to Tk. 9436.81 crores

as compared to a decrease of Tk. 5634.90 crores

or 36.49% and an increase of Tk. 2572.74 crores

or 13.48% respectively during the preceding

quarter (January-March,2013) and the


last year. Quarterly position of the scheduled

banks' credit, investment and borrowings from the

Bangladesh Bank is shown in Table-2.

TABLE-2 SCHEDULED BANKS’CREDIT, INVESTMENT AND

BORROWING FROM BANGLADESH BANK

(Taka in Crores)

At the end Scheduled Banks' Credit Scheduled Banks' Investment Borrowings from

of quarter Advances Bills Total Govt. Others Total Bangladesh

Investment Bank

2012

Apr.-Jun 385933.14 28765.95 414699.09 80109.37 18542.54 98651.91 21664.74

93.06% 6.94% 100% 81.20% 18.80% 100%

(5.42) (-0.30) (5.00) (6.28) (4.28) (5.90) (13.48)

Jul.-Sep. 398439.14 26474.19 424913.33 81431.78 18231.09 99662.87 15290.81

93.77% 6.23% 100% 81.71% 18.29% 100%

(3.24) (-7.97) (2.46) (1.65) (-1.68) (1.02) (-29.42)

Oct.-Dec. 410625.10 25731.80 436356.90 89192.60 23173.31 112365.91 15440.91

94.10% 5.90% 100% 79.38% 20.62% 100%

(3.06) (-2.80) (2.69) (9.53) (27.11) (12.75) (0.98)

2013

Jan.-Mar. 414048.58 25043.74 439092.32 95366.18 25873.12 121239.30 9806.01

94.30% 5.70% 100% 78.66% 21.34% 100%

(0.83) (-2.67) (0.63) (6.92) (11.65) (7.90) (-36.49)

Apr.-Jun 424804.47 24701.75 449506.22 110190.55 32205.34 142395.89 9436.81

94.50% 5.63% 100% 77.38% 22.62% 100%

(2.60) (-1.37) (2.37) (15.54) (24.47) (17.45) (-3.77)



xi

Deposits by Category of Banks:

The increase of Tk. 27220.01 crores

or 5.00% in total deposit liabilities during the

quarter April-June, 2013 over the preceding

quarter January-March,2013 was shared by

increases in Private banks by Tk. 14292.72 crores

4.17%, State Owned banks by Tk. 11001.23

crores or 7.77%, Specialised banks by Tk.

2997.55 crores 10.94% and a decrease in Foreign

banks by Tk.1071.49 crores or 3.25%. The net

accretion in deposits during the quarter under

review over the same quarter (April-June, 2012)

of the last year amounting to Tk. 85700.47 crores

or 17.62% was due to increase in deposits of State

Owned banks by Tk. 24135.00 crores or 18.79%

in Private banks by 52719.09 crores or 17.31%,

in Specialised banks by Tk. 6207.67 crores or

25.67% and in Foreign banks by Tk. 2638.71

crores or 9.01%. Of the total deposits of Tk.

572107.68 crores at the end of the quarter under

review, the shares of State Owned banks,

Specialised banks, Foreign banks and Private

banks were Tk. 152567.01 crores (26.67%), Tk.

30386.33 crores (5.31%), Tk. 31915.90 crores

(5.58%) and Tk. 357238.44 crores (62.44%)

respectively. The position in respect of deposit

liabilities by category of banks is shown in Table-

3.

TABLE-3 DEPOSITS DISTRIBUTED BY CATEGORY OF BANKS

(Taka in Crores)

At the end State Specialised Foreign Private Banks Islamic All

of quarter owned Banks Banks (Including Banks Banks

Banks (Islamic Banks)

2012

Apr.-Jun. 128432.01 24178.66 29277.19 304519.35 84371.40 486407.21

26.40% 4.97% 6.02% 62.61% 17.35% 100%

(6.99) (7.89) (-2.62) (6.41) (8.95) (6.04)

Jul.-Sep. 131089.02 24238.62 31979.26 316734.14 88331.26 504041.04

26.01% 4.81% 6.34% 62.84% 17.52% 100%

(2.07) (0.25) (9.23) (4.01) (4.69) (3.63)

Oct.-Dec. 139066.58 25868.09 31097.77 336334.38 93915.57 532366.82

26.12% 4.86% 5.84% 63.18% 17.64% 100%

(6.09) (6.72) (-2.76) (6.19) (6.32) (5.62)

2013

Jan.-Mar. 141565.78 27388.78 32987.39 342945.72 95836.94 544887.67

25.98% 5.03% 6.05% 62.94% 17.59% 100%

(1.80) (5.88) (6.08) (1.97) (2.05) (2.35)

Apr.-Jun. 152567.01 30386.33 31915.90 357238.44 101201.58 572107.68

26.67% 5.31% 5.58% 62.44% 17.69% 100%

(7.77) (10.94) (-3.25) (4.17) (5.60) (5.00)



xii

Deposits by Types of Accounts:

Breakdown by types of deposits

accounts revealed that the share of fixed

deposits increased from 52.09% at the end of

the quarter January-March, 2013 to 52.10% at

the end of quarter April-June, 2013. The amount

of fixed deposits increased by Tk. 14212.80

crores or 5.01% to Tk. 298061.81 crores at

the end of the quarter under review as

compared to increases of Tk. 12443.72 crores

or 4.58% and Tk. 16482.60 crores or 7.36% at

the end of the preceding quarter (January-

March, 2013) and the corresponding quarter

(April-June, 2012) of the last year respectively.

The share of savings deposits to total deposits

decreased from 18.39% on the 31st March, 2013 to

17.36% on the 30th June, 2013. Deposits

distributed by types of accounts are shown in

Table-4.

xiii

.

TABLE-4 DEPOSITS DISTRIBUTED BY TYPES OF ACCOUNTS

(Taka in Crores)

At the end Current Deposits Savings Convertible Foreign Wage Resident Special Fixed Pension Negotiable Restricted Total

of quarter and Cash Withdraw- Deposits Taka Currency Earners' Foreign Notice Deposits Scheme Certificates (Blocked) Deposits

Credit able on Account of Accounts Deposits Currency Deposits Deposits of Deposits

Deposits Sight Foreigners Deposits Deposits

2012

Apr.-Jun. 42378.57 7881.41 93016.53 1496.06 3729.41 1707.90 3254.88 60594.58 240279.87 30324.93 1709.31 33.76 486407.21

8.71% 1.62% 19.12% 0.31% 0.77% 0.35% 0.67% 12.46% 49.40% 6.23% 0.35% 0.01% 100%

(3.78) (11.72) (1.82) (72.74) (0.14) (8.66) (3.20) (12.48) (7.36) (-1.35) (-0.17) (64.52) (6.04)

Jul.-Sep. 41129.06 7715.07 94522.51 1132.41 3575.64 1767.46 5107.97 59304.47 254964.99 33084.50 1707.39 29.57 504041.04

8.16% 1.53% 18.75% 0.22% 0.71% 0.35% 1.01% 11.77% 50.58% 6.56% 0.34% 0.01% 100%

(-2.95) (-2.11) (1.62) (-24.31) (-4.12) (3.49) (56.93) (-2.13) (6.11) (9.10) (-0.11) (-12.41) (3.63)

Oct.-Dec. 45362.99 8171.11 98667.35 1324.56 3653.97 1641.35 4333.80 60446.89 271405.29 35622.42 1710.13 26.96 532366.82

8.52% 1.53% 18.53% 0.25% 0.69% 0.31% 0.81% 11.35% 50.98% 6.69% 0.32% 0.01% 100%

(10.29) (5.91) (4.39) (16.97) (2.19) (-7.14) (-15.16) (1.93) (6.45) (7.67) (0.16) (-8.83) (5.62)

2013

Jan.-Mar. 41798.95 8240.63 100225.75 1120.64 2634.16 1621.43 4447.98 61990.16 283849.01 37244.93 1685.79 28.24 544887.67

7.67% 1.51% 18.39% 0.21% 0.48% 0.30% 0.82% 11.38% 52.09% 6.84% 0.31% 0.01% 100%

(-7.86) (0.85) (1.58) (-15.40) (-27.91) (-1.21) (2.63) (2.55) (4.58) (4.55) (-1.42) (4.75) (2.35)

Apr.-Jun. 45468.39 7985.30 99316.22 1243.13 3091.41 1356.48 5651.48 67281.65 298061.81 40941.78 1670.02 40.01 572107.68

7.95% 1.40% 17.36% 0.22% 0.54% 0.24% 0.99% 11.76% 52.10% 7.16% 0.29% 0.01% 100%

(8.78) (-3.10) (-0.91) (10.93) (17.36) (-16.34) (27.06) (8.54) (5.01) (9.93) (-0.94) (41.68) (5.00)



Special Notice deposits include Margin deposits & Special purpose deposits.

xiv

Sector-wise Deposits:

The share of private sector deposits

(84.33%) was 5.38 times more than that of the

public sector deposits (15.67%) at the end of the

quarter April-June,2013. Deposits in the private

sector increased by Tk. 25708.43 crores or 5.63%

to Tk. 482462.54 crores at the end of the quarter

under review as compared to increases of Tk.

6879.00 crores or 1.53% and Tk. 21285.63 crores

or 5.62% at the end of the preceding quarter


quarter (April-June,2012) of the last year

respectively. Deposits in the public sector

increased by Tk. 1511.58 crores or 1.72% to Tk.


review as compared to increases of Tk. 5641.85

crores or 6.84% and increases of Tk. 6426.73

crores or 8.05% at the preceding quarter (January-

March,2013) and the corresponding quarter

(April-June,2012) of the last year respectively.

Government deposits in the public sector

increased by Tk. 4157.61 crores or 16.29% to Tk.

29680.46 crores as compared to increases of Tk.

664.04 crores or 2.67% and Tk. 1403.46 crores or

5.87% at the end of the preceding quarter



respectively. The details of deposits by public

sector and private sector with their corresponding

growth rates are shown in Table-5.

TABLE -5 SECTOR-WISE CLASSIFICATION OF DEPOSITS

(Taka in Crores)

At the end Public Sector Private Total Ratio

of quarter Government Other than Total Sector Deposits (Public/Private)

Government (Public + Private)

2012

Apr.-Jun. 25320.78 60918.52 86239.30 400167.91 486407.21 0.22

5.21% 12.52% 17.73% 82.27% 100%

(5.87) (8.99) (8.05) (5.62) (6.04)

Jul.-Sep. 25876.63 54689.11 80565.74 423475.30 504041.04 0.19

5.13% 10.85% 15.98% 84.02% 100%

(2.20) (-10.23) (-6.58) (5.82) (3.63)

Oct.-Dec. 24858.81 57632.90 82491.71 449875.11 532366.82 0.18

4.67% 10.83% 15.50% 84.50% 100%

(-3.93) (5.38) (2.39) (6.23) (5.62)

2013

Jan.-Mar. 25522.85 62610.71 88133.56 456754.11 544887.67 0.19

4.68% 11.49% 16.17% 83.83% 100%

(2.67) (8.64) (6.84) (1.53) (2.35)

Apr.-Jun. 29680.46 59964.68 89645.14 482462.54 572107.68 0.19

5.19% 10.48% 15.67% 84.33% 100%

(16.29) (-4.23) (1.72) (5.63) (5.00)



xv

Division-wise Urban/Rural Deposits:

Distribution of deposits by administrative areas revealed that

Dhaka Division contributed more than half (64.48%) of the total

deposits and the share of urban deposits in this division was 55.73% at

the end of the quarter under review. The deposits in this division

increased by 6.25% to Tk. 368876.69 crores at the end of the quarter

April-June,2013 as compared to increases of 1.27% and 6.08% at the

end of preceding quarter January-March,2013 and the corresponding

quarter of the last year (April-June,2012) respectively. The share of

deposits in Barisal Division (1.76%) was the lowest. Division wise

distribution of deposits in urban and rural areas is shown in Table-6.

TABLE-6 (Contd.) DIVISION-WISE URBAN/RURAL DISTRIBUTION OF DEPOSITS

(Taka in Crores)

At the end Chittagong Division Dhaka Division Khulna Division Rajshahi Division

of quarter Urban Rural Total Urban Rural Total Urban Rural Total Urban Rural Total

2012

Apr.-Jun. 73607.21 21769.85 95377.06 271950.45 41052.84 313003.29 14543.58 5044.99 19588.57 14006.29 4474.30 18480.59

15.13% 4.48% 19.61% 55.91% 8.44% 64.35% 2.99% 1.04% 4.03% 2.88% 0.92% 3.80%

(0.23) (22.37) (4.55) (0.52) (67.56) (6.08) (4.31) (14.64) (6.79) (6.33) (17.92) (8.92)

Jul.-Sep. 76574.56 22776.99 99351.55 281587.96 43142.56 324730.52 14949.47 5200.82 20150.29 14135.54 4634.21 18769.75

15.19% 4.52% 19.71% 55.87% 8.56% 64.43% 2.97% 1.03% 4.00% 2.80% 0.92% 3.72%

(4.03) (4.63) (4.17) (3.54) (5.09) (3.75) (2.79) (3.09) (2.87) (0.92) (3.57) (1.56)

Oct.-Dec. 79952.62 24144.04 104096.66 297118.75 45737.02 342855.77 16044.11 5615.79 21659.90 15238.10 5057.71 20295.81

15.02% 4.54% 19.55% 55.81% 8.59% 64.40% 3.01% 1.05% 4.07% 2.86% 0.95% 3.81%

(4.41) (6.00) (4.78) (5.52) (6.01) (5.58) (7.32) (7.98) (7.49) (7.80) (9.14) (8.13)

2013

Jan.-Mar. 83838.78 25155.14 108993.92 299950.85 47243.11 347193.96 16507.49 5706.16 22213.65 15617.91 5028.40 20646.31

15.39% 4.62% 20.00% 55.05% 8.67% 63.72% 3.03% 1.05% 4.08% 2.87% 0.92% 3.79%

(4.86) (4.19) (4.70) (0.95) (3.29) (1.27) (2.89) (1.61) (2.56) (2.49) (-0.58) (1.73)

Apr.-Jun. 84567.22 26560.48 111127.70 318848.46 50028.23 368876.69 17581.55 6151.11 23732.66 16639.73 5436.22 22075.95

14.78% 4.64% 19.42% 55.73% 8.74% 64.48% 3.07% 1.08% 4.15% 2.91% 0.95% 3.86%

(0.87) (5.59) (1.96) (6.30) (5.90) (6.25) (6.51) (7.80) (6.84) (6.54) (8.11) (6.92)


Minor differences may be shown due to rounding off.

xvi

TABLE-6 (Concld.)

DIVISION-WISE URBAN/RURAL DISTRIBUTION OF DEPOSITS

(Taka in Crores)

At the end Barisal Division Sylhet Division Rangpur Division All Divisions


2012

Apr-Jun. 5815.09 2610.22 8425.31 14705.67 7853.39 22559.06 6468.66 2504.67 8973.33 401096.95 85310.26 486407.21

1.20% 0.54% 1.73% 3.02% 1.61% 4.64% 1.33% 0.51% 1.84% 82.46% 17.54% 100%

(4.95) (24.76) (10.38) (-1.25) (20.54) (5.38) (7.73) (21.80) (11.32) (0.89) (39.51) (6.04)

Jul-Sep. 5928.69 2672.19 8600.88 15270.61 8219.13 23489.74 6470.39 2477.92 8948.31 414917.22 89123.82 504041.04

1.18% 0.53% 1.71% 3.03% 1.63% 4.66% 1.28% 0.49% 1.78% 82.32% 17.68% 100%

(1.95) (2.37) (2.08) (3.84) (4.66) (4.13) (0.03) (-1.07) (-0.28) (3.45) (4.47) (3.63)

Oct-Dec. 6319.35 2793.03 9112.38 15986.57 8519.52 24506.09 7089.04 2751.17 9840.21 437748.54 94618.28 532366.82

1.19% 0.52% 1.71% 3.00% 1.60% 4.60% 1.33% 0.52% 1.85% 82.23% 17.77% 100%

(6.59) (4.52) (5.95) (4.69) (3.65) (4.33) (9.56) (11.03) (9.97) (5.50) (6.16) (5.62)

2013

Jan.-Mar. 6429.39 2907.85 9337.24 16331.41 8553.03 24884.44 9043.60 2574.55 11618.15 447719.43 97168.24 544887.67

1.18% 0.53% 1.71% 3.00% 1.57% 4.57% 1.66% 0.47% 2.13% 82.17% 17.83% 100%

(1.74) (4.11) (2.47) (2.16) (0.39) (1.54) (27.57) (-6.42) (18.07) (2.28) (2.69) (2.35)

Apr-Jun. 6942.79 3105.95 10048.74 16933.76 8937.20 25870.96 7503.32 2871.66 10374.98 469016.83 103090.85 572107.68

1.21% 0.54% 1.76% 2.96% 1.56% 4.52% 1.31% 0.50% 1.81% 81.98% 18.02% 100%

(7.99) (6.81) (7.62) (3.69) (4.49) (3.96) (-17.03) (11.54) (-10.70) (4.76) (6.10) (5.00)


Minor differences may be shown due to separate rounding off.

xvii

Advances by Category of Banks:

The State owned Banks accounted

for 20.28% of the total advances at the end of the

quarter under review. Advances made by State

owned banks decreased by 1.23% to Tk.86166.38

crores at the end of the quarter under review as

compared to increases of 0.81% and 5.10% at the

end of the preceding quarter (January-March,

2013) and the corresponding quarter (April-

June,2012) of the last year respectively. The share

of Specialised banks‟ advances increased to

6.19% on the 30th June‟2013 from 2.10% on the

31st March‟2013. Advances classified by category

of banks are shown in Table-7.

TABLE -7

ADVANCES CLASSIFIED BY CATEGORY OF BANKS

(Taka in Crores)

At the end State Specialised Foreign Private Banks Islamic All

of quarter owned Banks Banks (including Banks Banks

Banks Islamic Banks)

2012

Apr.-Jun. 81313.85 25967.94 21772.55 256878.80 78046.24 385933.14

21.07% 6.73% 5.64% 66.56% 20.22% 100%

(5.10) (10.13) (5.70) (5.04) (5.06) (5.42)

Jul.-Sep. 83538.79 26304.57 21541.08 267054.70 82428.26 398439.14

20.97% 6.60% 5.41% 67.03% 20.69% 100%

(2.74) (1.30) (-1.06) (3.96) (5.61) (3.24)

Oct.-Dec. 86543.14 27380.30 21715.06 274986.60 86049.74 410625.10

21.08% 6.67% 5.29% 66.97% 20.96 100%

(3.60) (4.09) (0.81) (2.97) (4.39) (3.06)

2013

Jan.-Mar. 87242.58 27954.65 20610.13 278241.22 88287.15 414048.58

21.07% 6.75% 4.98% 67.20% 21.32% 100%

(0.81) (2.10) (-5.09) (1.18) (2.60) (0.83)

Apr.-Jun. 86166.38 29685.57 21302.08 287650.44 89217.98 424804.47

20.28% 6.99% 5.01% 67.71% 21.00% 100%

(-1.23) (6.19) (3.36) (3.38) (1.05) (2.60)



xviii

Sector-wise advances:

Advances in the private sector increased

by Tk. 11320.43 crores or 2.81% to Tk.413572.95

crores at end of the quarter (April-June, 2013) as


0.88% and Tk. 22293.88 crores or 6.31% at the

preceding quarter (January-March,2013) and the

corresponding quarter (April-June,2012) of the

last year respectively. Loans to the public sector

decreased by Tk. 564.54 crores or 4.79% to Tk.

11231.52 crores as compared to decreases of Tk.

81.05 crores or 0.68% and Tk. 2468.08 crores or

19.37% during the respective periods &

corresponds quarters. The decrease in advances to

public sector was due to decrease in ' Government'

sector by Tk. 457.31 crores or 13.65% to Tk.

2892.29 crores and „Other Than Government'

sector loans decreased by Tk. 107.23 crores or

1.27% to Tk. 8339.23 crores. at the end of the

quarter under review. The sector-wise position of

advances is shown in Table-8.

TABLE- 8 SECTOR-WISE CLASSIFICATION OF ADVANCES

(Taka in Crores)

At the end Public Sector Private Total Ratio

of quarter Government Other than Total Sector Advances (Public/Private)

Government (Public + Private)

2012

Apr.-Jun. 2414.62 7855.78 10270.40 375662.74 385933.14 0.03

0.63% 2.04% 2.66% 97.34% 100%

(0.99) (-24.08) (-19.37) (6.31) (5.42)

Jul.-Sep. 3542.36 8896.38 12438.74 386000.40 398439.14 0.03

0.89% 2.23% 3.12% 96.88% 100%

(46.70) (13.25) (21.11) (2.75) (3.24)

Oct.-Dec. 3968.06 7909.05 11877.11 398747.99 410625.10 0.03

0.97% 1.93% 2.89% 97.11% 100%

(12.02) (-11.10) (-4.52) (3.30) (3.06)

2013

Jan.-Mar. 3349.60 8446.46 11796.06 402252.52 414048.58 0.03

0.81% 2.04% 2.85% 97.15% 100%

(-15.59) (6.79) (-0.68) (0.88) (0.83)

Apr.-Jun. 2892.29 8339.23 11231.52 413572.95 424804.47 0.03

0.68% 1.96% 2.64 97.36% 100%

(-13.65) (-1.27) (-4.79) (2.81) (2.60)



xix

Economic purpose-wise advances:

Bulk of Advances (37.51%) was used

for „Trade‟ purpose followed by advances for

„Industry‟ (21.15%) and 'Working Capital

Financing' (13.43%) at the end of the quarter

April-June, 2013. Trade loans increased by Tk.

1580.53 crores or 1.00% to Tk. 159356.89 crores

and 'Industrial' loans also increased by Tk.

6158.13 crores or 7.36% to Tk.89833.84 crores at

the end of the quarter under review as compared

to decreases of 0.47% & 0.22% respectively at the

end of the preceding quarter (January-March,

2013) and increases of 6.18% & 4.95%

respectively at the corresponding quarter (April-

June, 2012) of the last year. „Transport and

communication‟ loans increased by 0.25% to Tk.

9048.23 crores and „Agriculture‟ loans increased

by 3.03% to Tk. 22971.10 crores as compared to a

decreases of 2.76% & an increases of 11.98% at

the end of the preceding quarter (January-March,

2013) and an increase of 1.45% & 10.56% at the

corresponding quarter (April-June,2012) of the

last year respectively. 'Construction' loan

increased by 1.32 % to Tk. 38627.40 crores and

„Working Capital Financing' loan increased by

3.41% to Tk. 57047.66 crores respectively at the

end of the quarter under review. 'Others' loans

showed a decrease of Tk. 66.55 crores to Tk.


review as compared to the preceding quarter.

Table-9 shows economic purpose-wise

classification of advances.

TABLE -9

ECONOMIC PURPOSE-WISE CLASSIFICATION OF ADVANCES (Taka in Crores)

At the end Agriculture, Industry Working Construction Transport & Trade Others Total

of quarter Fishing & Capital Communi-

Forestry Financing cation

2012

Apr.-Jun. 20930.18 79625.96 50006.71 32034.36 7974.07 149134.74 46227.12 385933.14

5.42% 20.63% 12.96% 8.30% 2.07% 38.64% 11.98% 100%

(10.56) (4.95) (1.33) (0.51) (1.45) (6.18) (10.66) (5.42)

Jul.-Sep. 20933.85 77482.84 55602.95 33981.34 9714.16 153604.21 47119.79 398439.14

5.25% 19.45% 13.96% 8.53% 2.44% 38.55% 11.83% 100%

(0.02) (-2.69) (11.19) (6.08) (21.82) (3.00) (1.93) (3.24)

Oct.-Dec. 19909.82 83861.05 54908.54 37333.05 9281.85 158520.82 46809.97 410625.10

4.85% 20.42% 13.37% 9.09% 2.46% 38.60% 11.40% 100%

(-4.89) (8.23) (-1.25) (9.86) (-4.45) (3.20) (-0.66) (3.06)

2013

Jan.-Mar. 22294.56 83675.71 55167.41 38123.02 9025.62 157776.36 47985.90 414048.58

5.38% 20.21% 13.32% 9.21% 2.18% 38.11% 11.59% 100%

(11.98) (-0.22) (0.47) (2.12) (-2.76) (-0.47) (2.51) (0.83)

Apr.-Jun. 22971.10 89833.84 57047.66 38627.40 9048.23 159356.89 47919.35 424804.47

5.41% 21.15% 13.43% 9.09% 2.13% 37.51% 11.28% 100%

(3.03) (7.36) (3.41) (1.32) (0.25) (1.00) (-0.14) (2.60)



xx

Security-wise Advances:

An analysis of advances classified by

securities revealed that 53.54% of the total loans

were outstanding against 'Real Estate‟ and 8.08%

loans against „Merchandise‟ at the end of the

quarter under review. Advances against „Real

Estate‟ increased by 9.23% to Tk. 227427.18

crores and that against 'Machinery' decreased by

0.64% to Tk. 30566.87 crores at the end of the

quarter April-June, 2013. 'Other items' which

includes (i) Crops / Stock of crops hypothecation,

(ii) Guarantee of individual institution (iii) Other

secured and unsecured advances recorded a

decreases of 7.81% to Tk. 100248.81 crores at the

end of the quarter April-June, 2013 as compared

to increases of 0.84% and 7.43% at the end of

the preceding quarter (January-March, 2013) and

the corresponding quarter (April-June,2012) of the

last year respectively. Security wise classification

of advances is shown in Table-10.

TABLE - 10

SECURITY-WISE CLASSIFICATION OF ADVANCES

(Taka in Crores)

At the end Gold and Shares & Merchan- Machinery Real Financial

of quarter Gold Securities dise & Other Estate Obligation Others Total

Ornaments fixed assets

2012

Apr.-Jun. 0.04 911.28 42988.17 44858.64 167739.34 23805.71 105629.96 385933.14

0.00% 0.24% 11.14% 11.62% 43.46% 6.17% 27.37% 100%

(0.00) (18.13) (6.56) (-2.71) (5.77) (8.38) (7.43) (5.42)

Jul.-Sep. 0.04 1133.40 46505.48 42420.43 168514.39 22709.74 117155.66 398439.14

0.00% 0.28% 11.67% 10.65% 42.29% 5.70% 29.40% 100%

(0.00) (24.37) (8.18) (-5.44) (0.46) (-4.60) (10.91) (3.24)

Oct.-Dec. 0.06 1440.35 43533.22 45022.66 185120.04 27677.28 107831.49 410625.10

0.00% 0.35% 10.60% 10.96% 45.08% 6.74% 26.26% 100%

(50.00) (27.08) (-6.39) (6.13) (9.85) (21.87) (-7.96) (3.06)

2013

Jan.-Mar. 0.07 1608.12 40965.49 30763.46 208216.2 23757.57 108737.67 414048.58

0.00% 0.39% 9.89% 7.43% 50.29% 5.74% 26.26% 100%

(16.67) (11.65) (-5.90) (-31.67) (12.48) (-14.16) (0.84) (0.83)

Apr.-Jun. 0.06 2100.09 34330.06 30566.87 227427.18 30131.40 100248.81 424804.47

0.00% 0.49% 8.08% 7.20% 53.54% 7.09% 23.60% 100%

(-14.29) (30.59) (-16.20) (-0.64) (9.23) (26.83) (-7.81) (2.60)



xxi

Division-wise Urban/Rural Advances: Division-wise break-up of advances revealed that Dhaka Division

consumed 67.10% of total advances of which the share of urban and

rural stood at 62.40% and 4.69% respectively at the end of the quarter

April-June, 2013. The loans in Dhaka Division increased by 2.82% to

Tk. 285035.79 crores and in Chittagong Division increased by 2.26% to

Tk. 84630.77 crores and in Khulna Division decreased by 0.84% to Tk.

18127.86 crores during the quarter under review. The loans in Sylhet

Division decreased by 0.33% to Tk. 6332.16 crores, in Barisal Division

increased by 2.27% to Tk. 4592.86 crores, in Rajshahi Division

increased by 4.13% to Tk. 16409.42 crores, and that in Rangpur

Division increased by 5.44% to Tk. 9675.61 Division-wise distribution

of urban and rural loans is shown in Table-11.

TABLE-11(Contd.)

DIVISION-WISE URBAN/RURAL CLASSIFICATION OF ADVANCES

(Taka in Crores)

At the end

of quarter

Chittagong Division Dhaka Division Khulna Division Rajshahi Division

Urban Rural Total Urban Rural Total Urban Rural Total Urban Rural Total

2012

Apr.-Jun. 67573.29 8246.97 75820.26 240730.47 18683.73 259414.20 12678.97 4208.15 16887.12 11698.73 3100.34 14799.07

17.51% 2.14% 19.65% 62.38% 4.84% 67.22% 3.29% 1.09% 4.38% 3.03% 0.80% 3.83%

(1.31) (66.51) (5.82) (2.59) (59.97) (5.31) (-6.91) (51.26) (2.96) (3.94) (20.14) (6.96)

Jul.-Sep. 70988.99 8813.45 79802.22 247586.44 18917.63 266504.07 13937.86 4388.04 18325.90 11849.40 3045.10 14894.50

17.82% 2.21% 20.03% 62.14% 4.75% 66.89% 3.50% 1.10% 4.60% 2.97% 0.76% 3.74%

(5.05) (6.87) (5.25) (2.85) (1.25) (2.73) (9.93) (4.27) (8.52) (1.29) (-1.78) (0.64)

Oct.-Dec. 73228.85 8800.01 82028.86 255844.78 19503.52 275348.30 14000.85 4200.60 18201.45 12286.51 3197.55 15484.06

17.83% 2.14% 19.98% 62.31% 4.75% 67.06% 3.41% 1.02% 4.43% 2.99% 0.78% 3.77%

(3.16) (-0.15) (2.79) (3.34) (3.10) (3.32) (0.45) (-4.27) (-0.68) (3.69) (5.01) (3.96)

2013

Jan.-Mar. 73902.69 8854.12 82756.81 257800.41 19430.44 277230.85 13879.49 4402.17 18281.66 12580.48 3177.55 15758.03

17.85% 2.14% 19.99% 62.26% 4.69% 66.96% 3.35% 1.06% 4.42% 3.04% 0.77% 3.81%

(0.92) (0.61) (0.89) (0.76) (-0.37) (0.68) (-0.87) (4.80) (0.44) (2.39) (-0.63) (1.77)

Apr.-Jun. 75661.36 8969.41 84630.77 265097.34 19938.45 285035.79 13648.28 4479.58 18127.86 13046.08 3363.34 16409.42

17.81% 2.11% 19.92% 62.40% 4.69% 67.10% 3.21% 1.05% 4.27% 3.07% 0.79% 3.86%

(2.38) (1.30) (2.26) (2.83) (2.61) (2.82) (-1.67) (1.76) (-0.84) (3.70) (5.85) (4.13)



xxii

TABLE-11(Concld.)

DIVISION-WISE URBAN/RURAL CLASSIFICATION OF ADVANCES

(Taka in Crores)

At the end Barisal Division Sylhet Division Rangpur Division All Divisions


2012

Apr.-Jun. 2443.29 1713.26 4156.55 4371.15 1692.38 6063.53 5873.31 2919.10 8792.41 345369.21 40563.93 385933.14

0.63% 0.44% 1.08% 1.13% 0.44% 1.57% 1.52% 0.76% 2.28% 89.49% 10.51% 100%

(-1.69) (22.09) (6.89) (1.64) (9.92) (3.82) (10.59) (2.59) (7.80) (2.08) (46.00) (5.42)

Jul.-Sep. 2450.19 1722.73 4172.92 4318.75 1696.73 6015.48 5848.33 2875.50 8723.83 356979.96 41459.18 398439.14

0.61% 0.43% 1.05% 1.08% 0.43% 1.51% 1.47% 0.72% 2.19% 89.9% 10.41% 100%

(0.28) (0.55) (0.39) (-1.20) (0.26) (-0.79) (-0.43) (-1.49) (-0.78) (3.36) (2.21) (3.24)

Oct.-Dec. 2584.47 1678.97 4263.44 4490.93 1712.36 6203.29 6114.59 2981.11 9095.70 368550.98 42074.12 410625.10

0.63% 0.41% 1.04% 1.09% 0.42% 1.51% 1.49% 0.73% 2.22% 89.75% 10.25% 100%

(5.48) (-2.54) (2.17) (3.99) (0.92) (3.12) (4.55) (3.67) (4.26) (3.24) (1.48) (3.06)

2013

Jan.-Mar. 2675.11 1815.95 4491.06 4573.54 1779.82 6353.36 6234.38 2942.43 9176.81 371646.10 42402.48 414048.58

0.65% 0.44% 1.08% 1.10% 0.43% 1.53% 1.51% 0.71% 2.22% 89.76% 10.24% 100%

(3.51) (8.16) (5.34) (1.84) (3.94) (2.42) (1.96) (-1.30) (0.89) (0.84) (0.78) (0.83)

Apr.-Jun. 2747.36 1845.50 4592.86 4513.57 1818.59 6332.16 6664.41 3011.20 9675.61 381378.40 43426.07 424804.47

0.65% 0.43% 1.08% 1.06% 0.43% 1.49% 1.57% 0.71% 2.28% 89.78% 10.22% 100%

(2.70) (1.63) (2.27) (-1.31) (2.18) (-0.33) (6.90) (2.34) (5.44) (2.62) (2.41) (2.60)



xxiii

Division-wise Advances / Deposits Ratio:

Ratio of Advances to deposits in

Chittagong, Dhaka, Khulna, Rajshahi, Barisal

,Sylhet and Rangpur Division were 0.76, 0.77,

0.76, 0.74, 0.46, 0.24 and 0.93 respectively at the

end of the quarter under review as compared to

0.76, 0.80, 0.82, 0.76, 0.48, 0.26 and 0.79

respectively at the end of the previous quarter

(January-March,2013). Table-11A shows the

Division-wise Advance/ Deposit Ratio.

Growth of Scheduled Bank Branches:

The number of scheduled bank branches

in the country increased by 52 or 0.62% to 8427

during the quarter April-June,2013 as compared to

increased by 53 or 0.64% to 8375 and 61 or

0.76% to 8059 during the preceding quarter



respectively. The share of rural branches during

the quarter was 57.28%. The number of urban

branches increased by 19 or 0.53% during the

quarter under review as compared to an increase

by 19 or 0.53% during the preceding quarter

(January-March,2013). The number of branch

licenses held unutilised by the banks changed

from 55 to 87 (urban branches 46 and rural

branches 41) at the end of the quarter under

review as compared to the end of the preceding

quarter (January-March,2013). During the quarter

under review 50 urban and 34 rural branches

licenses were issued. The growth of bank

branches of State Owned Banks, Specialised

Banks, Foreign Banks and Private Banks and is

shown in Table-12. Division/Area-wise

distribution of bank branches is shown in Table-

13.

TABLE-11-A

DIVISION-WISE ADVANCE/DEPOSIT RATIO

( Taka in Crores)

April-June’2013 January-March’2013

Divisions Advances Deposits Ratio Advances Deposits Ratio

Chittagong 84630.77 111127.70 0.76 82756.81 108993.92 0.76

Dhaka 285035.79 368876.69 0.77 277230.85 347193.96 0.80

Khulna 18127.86 23732.66 0.76 18281.66 22213.65 0.82

Rajshahi 16409.42 22075.95 0.74 15758.03 20646.31 0.76

Barisal 4592.86 10048.74 0.46 4491.06 9337.24 0.48

Sylhet 6332.16 25870.96 0.24 6353.36 24884.44 0.26

Rangpur 9675.61 10374.98 0.93 9176.81 11618.15 0.79

Grameen Bank: A total of 2,567 branches of

Grameen Bank were in operation at the end of

June, 2013. It has extended its services to 81,387

villages of Bangladesh where in 84,25,146

members (3,21,194 males and 81,03,952 females)

were organised into groups for providing financial

assistance.

xxiv

TABLE-12

NUMBER OF SCHEDULED BANK BRANCHES OPERATING IN BANGLADESH

At the end

of quarter

State

Owned Banks

Specialised

Banks

Foreign

Banks

Private

Banks

All

Banks

Urban Rural Total Urban Rural Total Total Urban Rural Total Urban Rural Total

2012

Apr.-Jun. 1247 2202 3449 168 1249 1417 63 1974 4456 3130 3452 4607 8059

15.47% 27.32% 42.80% 2.08% 15.50% 17.58% 0.78% 24.49% 14.34% 38.84% 42.83% 57.17% 100%

(0.16) (0.23) (0.20) (0.60) (0.08) (0.14) (0.00) (1.44) (2.12) (1.69) (0.91) (0.66) (0.76)

Jul.-Sep. 1248 2207 3455 171 1254 1425 63 2001 1174 3175 3483 4635 8118

15.37% 27.19% 42.56% 2.11% 15.45% 17.55% 0.78% 24.65% 14.46% 39.11% 42.90% 57.10% 100%

(0.08) (0.23) (0.17) (1.79) (0.40) (0.56) (0.00) (1.37) (1.56) (1.44) (0.90) (0.61) (0.73)

Oct.-Dec. 1253 2225 3478 175 1265 1440 65 2069 1270 3339 3562 4760 8322

15.06% 26.74% 41.79% 2.10% 15.20% 17.30% 0.78% 24.86% 15.26% 40.12% 42.80% 57.20% 100%

(0.40) (0.82) (0.67) (2.34) (0.88) (1.05) (3.17) (3.40) (8.18) (5.17) (2.27) (2.70) (2.51)

2013

Jan.-Mar. 1260 2232 3492 176 1284 1460 66 2079 1278 3357 3581 4794 8375

15.04% 26.65% 41.70% 2.10% 15.33% 17.43% 0.79% 24.82% 15.26% 40.08% 42.76% 57.24% 100%

(0.56) (0.31) (0.40) (0.57) (1.50) (1.39) (1.54) (0.48) (0.63) (0.54) (0.53) (0.71) (0.64)

Apr.-Jun. 1262 2237 3499 176 1300 1476 66 2096 1290 3386 3600 4827 8427

14.98% 26.55% 41.52% 2.09% 15.43% 17.52% 0.78% 24.87% 15.31% 40.18% 42.72% 57.28% 100%

(0.16) (0.22) (0.20) (0.00) (1.25) (1.10) (0.00) (0.82) (0.94) (0.86) (0.53) (0.69) (0.62)

Note: Figures in the parentheses represent rates of growth in percent over the preceding quarter.

Minor differences may observed due to rounding off.

xxv

TABLE-13(Contd..)

REGION-WISE POSITION OF SCHEDULED BANK BRANCHES

At the end

of quarter

Chittagong Division Dhaka Division Khulna Division Rajshahi Division


2012

Apr.-Jun. 752 1055 1807 1542 1305 2847 314 507 821 318 591 909

9.33% 13.09% 22.42% 19.13% 16.19% 35.33% 3.90% 6.29% 10.19% 3.95% 7.33% 11.28%

(0.80) (1.15) (1.01) (0.85) (0.77) (0.81) (0.96) (0.20) (0.49) (0.95) (0.51) (0.66)

Jul.-Sep. 756 1065 1821 1558 1317 2875 317 507 824 319 594 913

9.31% 13.12% 22.43% 19.19% 16.22% 35.42% 3.90% 6.25% 10.15% 3.93% 7.32% 11.25%

(0.53) (0.92) (0.77) (1.04) (0.92) (0.98) (0.96) (0.00) (0.37) (0.31) (0.51) (0.44)

Oct.-Dec. 781 1089 1870 1591 1385 2976 324 511 835 321 605 926

9.38% 13.09% 22.47% 19.12% 16.64% 35.76% 3.89% 6.14% 10.03% 3.86% 7.27% 11.13%

(3.31) (2.25) (2.69) (2.12) (5.16) (3.51) (2.21) (0.79) (1.33) (0.63) (1.85) (1.42)

2013

Jan.-Mar. 782 1101 1883 1601 1404 3005 325 511 836 323 605 928

9.34% 13.15% 22.48% 19.12% 16.76% 35.88% 3.88% 6.10% 9.98% 3.86% 7.22% 11.08%

(0.13) (1.10) (0.70) (0.63) (1.37) (0.97) (0.31) (0.00) (0.12) (0.62) (0.00) (0.22)

Apr.-Jun. 788 1112 1900 1612 1419 3031 325 516 841 323 605 928

9.35% 13.20% 22.55% 19.13% 16.84% 35.97% 3.86% 6.12% 9.98% 3.83% 7.18% 11.01%

(0.77) (1.00) (0.90) (0.69) (1.07) (0.87) (0.00) (0.98) (0.60) (0.00) (0.00) (0.00)

Note: Figures in the parentheses represent rates of growth in percent over the preceding quarter


xxvi

TABLE-13(Concld..)

REGION-WISE POSITION OF SCHEDULED BANK BRANCHES

At the end

of quarter

Barisal Division Sylhet Division Rangpur Division All Divisions


2012

Apr.-Jun. 124 287 411 211 456 667 191 406 597 3452 4607 8059

1.54% 3.56% 5.10% 2.62% 5.66% 8.28% 2.37% 5.04% 7.41% 42.83% 57.17% 100%

(2.48) (0.00) (0.74) (0.00) (0.00) (0.00) (1.60) (1.00) (1.19) (0.91) (0.66) (0.76)

Jul.-Sep. 125 288 413 215 457 672 193 407 600 3483 4635 8118

1.54% 3.55% 5.09% 2.65% 5.63% 8.28% 2.38% 5.01% 7.39% 42.90% 57.10% 100%

(0.81) (0.35) (0.49) (1.90) (0.22) (0.75) (1.05) (0.25) (0.50) (0.90) (0.61) (0.73)

Oct.-Dec. 128 295 423 220 463 683 197 412 609 3562 4760 8322

1.54% 3.54% 5.08% 2.64% 5.56% 8.21% 2.37% 4.95% 7.32% 42.80% 57.20% 100%

(2.40) (2.43) (2.42) (2.33) (1.31) (1.64) (2.07) (1.23) (1.50) (2.27) (2.70) (2.51)

2013

Jan.-Mar. 130 296 426 222 465 687 198 412 610 3581 4794 8375

1.55% 3.53% 5.09% 2.65% 5.55% 8.20% 2.36% 4.92% 7.28% 42.76% 57.24% 100%

(1.56) (0.34) (0.71) (0.91) (0.43) (0.59) (0.51) (0.00) (0.16) (0.53) (0.71) (0.64)

Apr.-Jun. 132 298 430 222 465 687 198 412 610 3600 4827 8427

1.57% 3.54% 5.10% 2.63% 5.52% 8.15% 2.35% 4.89% 7.24% 42.72% 57.28% 100%

(1.54) (0.68) (0.94) (0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (0.53) (0.69) (0.62)

Note: Figures in the parentheses represent rates of growth in percent over the preceding quarter


xxviii

xxxi

INDICATORS

(Amount in Taka)

ITEMS

AS ON

30-06-2013 31-03-2013

Number of Banks 52 47

Number of Reporting Bank Branches

(including SME Service Centre) 8,490 8,435

DEPOSITS (Excluding inter-bank)

a) Total Deposits 5,721,076,800,000 5,448,876,700,000

Urban 4,690,168,300,000 4,477,194,300,000

Rural 1,030,908,500,000 971,682,400,000

b) Number of Accounts 61,212,175 60,466,598

c) Average Deposits per account 93,463 90,114

ADVANCES (Excluding inter- bank)

a) Total Advances 4,248,044,700,000 4,140,485,800,000

Urban 3,813,784,000,000 3,716,461,000,000

Rural 434,260,700,000 424,024,800,000

b) Number of Accounts 9,662,958 9,647,960

c) Average Advances per account 439,622 429,157

BANK CREDIT (Advances + Bills) 4,495,062,200,000 4,390,923,200,000

Ratio of Advances to Deposits 0.74 0.76

Ratio of Bank Credit to Deposits 0.79 0.81

Rate of Interest on Deposits(Weighted Average)* 8.43 8.48

Rate of Interest on Advances(Weighted Average)* 13.61 13.74

SCHEDULED BANKS' INVESTMENT

(Excluding inter-bank) 1,423,958,900,000 1,212,393,000,000

BORROWINGS FROM BANGLADESH BANK 94,368,100,000 98,060,100,000

* Weighted average rates of interest both for deposits and advances are calculated as the

sum of product of each rate of interest and its corresponding amount of deposit/advance

being divided by the total of those deposits or advances as the case may be.

xxxii

WEIGHTED AVERAGE RATES OF INTEREST ON DEPOSITS AS ON 30-06-2013

Banks

All

Deposits

Savings

Deposits

Special Notice

Deposits

Fixed

Deposits

3 Months

to Less

than 6 Months

6 Months

to Less

than 1 Year

1 Year

to Less

than 2 Years

2 Years

to Less

than 3 Years

3 Years and

Above

Other

Deposits

1 2 3 4 5

All Banks 8.43 5.22 5.87 11.95 11.76 11.99 12.16 11.96 12.05 3.68

State owned Banks 7.53 5.46 5.39 12.05 11.84 11.89 12.17 12.13 12.09 2.51

Private Banks (a+b) 8.69 4.95 6.22 11.90 11.73 12.01 12.16 11.54 11.98 4.02

a) Domestic 8.98 5.07 6.30 11.95 11.77 12.14 12.23 11.59 11.99 4.59

b) Foreign 5.40 3.66 5.62 11.06 10.70 10.87 11.35 11.47 10.24 0.37

Specialised Banks 9.52 6.46 5.39 12.18 12.13 12.03 12.23 11.88 12.37 5.62

Islamic Banks 9.06 5.38 4.79 11.76 11.69 11.84 12.05 10.66 11.63 6.28

xxxiii

WEIGHTED AVERAGE RATES OF INTEREST ON ADVANCES

BY MAJOR ECONOMIC PURPOSES AS ON 30-06-2013

Banks

All Advances

Agriculture Fishing

&

Forestry

Industry

Working

Capital

Financing

Constr- uction

Water Works

&

Sanitary Services

Transport

And Commun-

ication

Storage Trade Miscell- aneous

1 2 3 4 5 6 7 8 9 10

All Banks 13.61 9.62 13.75 14.07 13.47 13.57 14.96 13.81 14.36 12.14

State owned Banks 10.87 9.14 11.63 11.79 5.94 --- 13.66 11.73 11.50 10.53

Private Banks (a+b) 14.62 12.68 14.66 14.47 15.22 13.58 14.85 15.15 15.16 12.73

a) Domestic 14.66 12.51 14.68 14.56 15.23 13.58 15.04 15.36 15.28 12.17

b) Foreign 14.11 14.67 14.08 13.75 15.03 --- 14.00 8.26 12.81 15.53

Specialised Banks 11.15 8.84 12.66 13.79 14.65 9.36 17.48 10.72 14.00 7.63

Islamic Banks 13.54 10.10 14.18 13.65 14.67 17.77 14.37 15.51 15.14 4.57

introduction - bb.org.bdagrani bank limited. 2. janata bank limited. 3. rupali bank limited. 4....

Documents