ANNEXURE 1

STATEMENT OF DEPOSIT AND INVESTMENT OF SAMPLE BANKS.

IBBL

EXIM

AAB

SBL

PBL

NBL

SCB

C.N.A

Year

Deposit

Investment

Deposit

Investment

Deposit

Investment

Deposit

Investment

Deposit

Investment

Deposit

Investment

Deposit

Investment

Deposit

Investment

2001

41547.29

35237.76

7389.54

5131.55

7879.18

5079.21

1398.3

216.56

13259.87

9074.94

24896.64

20200.64

16344.92

15731.08

4495

2833

2002

55461.62

46280.61

9945.23

7954.56

7163

6403.6

3302.15

1999.97

16481.6

12686.85

26276.26

21677.96

32570.52

29527.95

7101

4680

2003

69941.79

59007.49

15242.97

12289.12

8643.27

7571.54

6039

4269

20483.23

16492.22

27762.12

22257.15

45467.74

39239.42

7854.77

5827.7

2004

87841.01

75858.56

19078.18

19332.44

10108.28

8150.16

9092

7149

28069.24

23219.67

28973.39

23129.65

49089.94

38131.73

7222.55

6558.77

2005

107779.4

93644.15

28319.21

26046.34

11643.66

11474.41

12205

10590

36022.46

31916.11

32984.05

27020.21

57032.42

40488.65

14039.6

7302.21

2006

132419.4

113575.1

35032.02

32641.27

16775.33

17423.19

18091

15516

54724

45010

40350.87

32709.68

64131.72

47373.1

21056.94

9543.51

Source : Banks' Annual Reports and Resume of Financial Institutions of Bangladesh.

224

ANNEXURE 2

BANKS STATEMENT OF DEPOSIT GROWTH RATE OF SAMPLE.

IBBL

EXIM

Growth Rate
(%)

Deposit

AAB

Growth Rate
(%)

Growth
Rate (%)

Growth Rate
(%)

Growth Rate
(%)

Growth Rate
(%)

Growth Rate
(%)

55461.62

33.49%

9945.23

34.59%

7163

-9.09%

3302.15

136.15%

16481.6

24.30%

26276.26

5.54%

32570.52

99.27%

7101

57.98%

2003

69941.79

26.11%

15242.97

53.27%

8643.27

20.67%

6039

82.88%

20483.23

24.28%

27762.12

5.65%

45467.74

39.60%

7854.77

10.61%

2004

87841.01

25.59%

19078.18

25.16%

10108.28

16.95%

9092

50.55%

28069.24

37.04%

28973.39

4.36%

49089.94

7.97%

7222.55

-8.05%

2005

107779.42

22.70%

28319.21

48.44%

11643.66

15.19%

12205

34.24%

36022.46

28.33%

32984.05

13.84%

57032.42

16.18%

14039.6

94.39%

2006

132419.4

22.86%

35032.02

23.70%

16775.33

44.07%

18091

48.23%

54724

51.92%

40350.87

22.33%

64131.72

12.45%

21056.94

49.98%

Di - Do
Growth Rate of Deposit per year = ----------- x 100
Do
Here , Do = Deposit of base year
Di = Deposit of the year considering.

225

16344.92

Deposit

Growth Rate
(%)

2002

24896.64

Deposit

C.N.A

41547.29

13259.87

Deposit

SCB

2001

1398.3

Deposit

NBL

Deposit

7879.18

Deposit

PBL

Year

7389.54

Deposit

SBL

4495

ANNEXURE 3

STATEMENT OF INVESTMENT GROWTH RATE OF SAMPLE BANKS

IBBL

EXIM

AAB

SBL

PBL

NBL

SCB

C.N.A

Investment

Growth
Rate (%)

Investment

Growth
Rate (%)

Investment

Growth
Rate (%)

Investment

Growth Rate
(%)

Investment

Growth
Rate (%)

Investment

Growth
Rate (%)

Investment

Growth
Rate (%)

Investment

Growth
Rate (%)

2001

35237.76

5131.55

5079.21

216.56

9074.94

20200.64

15731.08

2833

2002

46280.61

31.34%

7954.56

55.01%

6403.6

26.07%

1999.97

823.52%

12686.85

39.80%

21677.96

7.31%

29527.95

87.70%

4680

65.20%

2003

59007.49

27.50%

12289.12

54.49%

7571.54

18.24%

4269

113.45%

16492.22

29.99%

22257.15

2.67%

39239.42

32.89%

5827.7

24.52%

2004

75858.56

28.56%

19332.44

57.31%

8150.16

7.64%

7149

67.46%

23219.67

40.79%

23129.65

3.92%

38131.73

-2.82%

6558.77

12.54%

2005

93644.15

23.45%

26046.34

34.73%

11474.41

40.79%

10590

48.13%

31916.11

37.45%

27020.21

16.82%

40488.65

6.18%

7302.21

11.34%

2006

113575.07

21.28%

32641.27

25.32%

17423.19

51.84%

15516

46.52%

45010

41.03%

32709.68

21.06%

47373.1

17.00%

9543.51

30.69%

Year

Ii - Io
Growth Rate of Investment per year = ----------- x 100
Io
Here, Io = Investment of base year
Ii = Investment of the year considering.

226

ANNEXURE 4

STATEMENT OF RELATIONSHIP BETWEEN DEPOSIT AND INVESTMENT OF SAMPLE BANKS.

IBBL
Year

Deposit

Investment

Depo.
Utilization

2001
2002
2003
2004
2005
2006

41547.29
55461.62
69941.79
87841.01
107779.4
132419.4

35237.76
46280.61
59007.49
75858.56
93644.15
113575.1

84.81%
83.45%
84.37%
86.36%
86.89%
85.77%

EXIM
Growth Rate of
Depo.
Utilization
-1.61%
1.10%
2.36%
0.61%
-1.28%

Deposit

Investment

Depo.
Utilization

7389.54
9945.23
15242.97
19078.18
28319.21
35032.02

5131.55
7954.56
12289.12
19332.44
26046.34
32641.27

69.44%
79.98%
80.62%
101.33%
91.97%
93.18%

PBL
Year

Deposit

Investment

Depo.
Utilization

2001
2002
2003
2004
2005
2006

13259.87
16481.6
20483.23
28069.24
36022.46
54724

9074.94
12686.85
16492.22
23219.67
31916.11
45010

68.44%
76.98%
80.52%
82.72%
88.60%
82.25%

AAB
Growth Rate of
Depo.
Utilization
15.18%
0.80%
25.69%
-9.24%
1.31%

Deposit

Investment

Depo.
Utilization

7879.18
7163
8643.27
10108.28
11643.66
16775.33

5079.21
6403.6
7571.54
8150.16
11474.41
17423.19

64.46%
89.40%
87.60%
80.63%
98.55%
103.86%

NBL
Growth Rate of
Depo.
Utilization
12.47%
4.60%
2.74%
7.11%
-7.17%

Deposit

Investment

Depo.
Utilization

24896.64
26276.26
27762.12
28973.39
32984.05
40350.87

20200.64
21677.96
22257.15
23129.65
27020.21
32709.68

81.14%
82.50%
80.17%
79.83%
81.92%
81.06%

Ii
Deposit Utilization(DU) = ---- x 100
Di

Here, Ii = Investment of the year considering

Di = Deposit of the year considering.

Growth Rate of
DUi - DUo
Deposit Utilization = -------------- x 100
DUo

Here, DUo = Deposit Utilization of base year

DUi = Deposit Utilization of the year
considering.

SBL
Growth Rate of
Depo.
Utilization
38.68%
-2.01%
-7.96%
22.22%
5.39%

Deposit

Investment

Depo.
Utilization

1398.3
3302.15
6039
9092
12205
18091

216.56
1999.97
4269
7149
10590
15516

15.49%
60.57%
70.69%
78.63%
86.77%
85.77%

SCB
Growth Rate of
Depo.
Utilization
1.68%
-2.82%
-0.42%
2.62%
-1.04%

227

Deposit

Investment

Depo.
Utilization

16344.92
32570.52
45467.74
49089.94
57032.42
64131.72

15731.08
29527.95
39239.42
38131.73
40488.65
47373.1

96.24%
90.66%
86.30%
77.68%
70.99%
73.87%

Growth Rate of
Depo.
Utilization
291.06%
16.72%
11.23%
10.35%
-1.15%

C.N.A
Growth Rate of
Depo.
Utilization
-5.80%
-4.81%
-9.99%
-8.61%
4.05%

Deposit

Investment

Depo.
Utilization

4495
7101
7854.77
7222.55
14039.6
21056.94

2833
4680
5827.7
6558.77
7302.21
9543.51

63.03%
65.90%
74.19%
90.81%
52.01%
45.32%

Growth Rate of
Depo.
Utilization
4.57%
12.58%
22.40%
-42.72%
-12.86%

ANNEXURE 5
STATEMENT OF BRANCH EXPANSION OF SAMPLE BANKS.

Year

Total
Branches

2001
2002
2003
2004
2005
2006

121
128
141
151
169
176

IBBL

EXIM

AAB

Growth
Total
Increase
Rate (%) Branches

Growth
Total
Increase
Rate (%) Branches

Growth
Total
Increase
Rate (%) Branches

7
13
10
18
7

5.79%
10.16%
7.09%
11.92%
4.14%

10
16
19
24
28
30

6
3
5
4
2

60.00%
18.75%
26.32%
16.67%
7.14%

40
40
40
40
41
46

0
0
0
1
5

SBL

0.00%
0.00%
0.00%
2.50%
12.20%

2
8
10
12
16
21

Increase

Growth
Rate (%)

Total
Branches

6
2
2
4
5

300.00%
25.00%
20.00%
33.33%
31.25%

26
27
30
36
41
50

Bi - Bo
Growth Rate of Branch Expansion = ---------- x 100
Bo
Here, Bo = Number of Branches of base year
Bi = Number of Branches of the year considering.

228

PBL

NBL

SCB

C NA

Growth
Total
Increase
Rate (%) Branches

Growth
Total
Increase
Rate (%) Branches

Growth
Total
Increase
Rate (%) Branches

Increase

Growth
Rate (%)

0
1
0
0
0

0.00%
50.00%
0.00%
0.00%
0.00%

1
3
6
5
9

3.85%
11.11%
20.00%
13.89%
21.95%

75
76
76
76
76
91

1
0
0
0
15

1.33%
0.00%
0.00%
0.00%
19.74%

13
13
18
18
25
26

0
5
0
7
1

0.00%
38.46%
0.00%
38.89%
4.00%

2
2
3
3
3
3

ANNEXURE 6

STATEMENT OF RELATIONSHIP BETWEEN DEPOSIT AND NUMBER OF BRANCHES

OF SAMPLE BANKS.
IBBL
Year
2001
2002
2003
2004
2005
2006

Deposit
41547.29
55461.62
69941.79
87841.01
107779.4
132419.4

No. of
Branches
121
128
141
151
169
176

Depo. Per
Branches
343.37
433.29
496.04
581.73
637.75
752.38

Growth Rate
(%)
26.19%
14.48%
17.27%
9.63%
17.97%

Depo. Per
Branches
510.00
610.43
682.77
779.70
878.60
1094.48

Growth Rate
(%)
19.69%
11.85%
14.20%
12.68%
24.57%

Deposit
7389.54
9945.23
15242.97
19078.18
28319.21
35032.02

No. of
Branches
10
16
19
24
28
30

PBL
Year
2001
2002
2003
2004
2005
2006

Deposit
13259.87
16481.6
20483.23
28069.24
36022.46
54724

No. of
Branches
26
27
30
36
41
50

EXIM
Depo. Per
Branches
738.95
621.58
802.26
794.92
1011.40
1167.73

AAB
Growth Rate
(%)
-15.88%
29.07%
-0.91%
27.23%
15.46%

Deposit
7879.18
7163
8643.27
10108.28
11643.66
16775.33

No. of
Branches
40
40
40
40
41
46

NBL
Deposit
24896.64
26276.26
27762.12
28973.39
32984.05
40350.87

No. of
Branches
75
76
76
76
76
91

SBL
Depo. Per
Branches
196.98
179.08
216.08
252.71
283.99
364.68

Growth Rate
(%)
-9.09%
20.67%
16.95%
12.38%
28.41%

Depo. Per
Branches
1257.30
2505.42
2525.99
2727.22
2281.30
2466.60

Growth Rate
(%)
99.27%
0.82%
7.97%
-16.35%
8.12%

Deposit
1398.30
3302.15
6039.00
9092.00
12205.00
18091.00

No. of
Branches
2
8
10
12
16
21

Depo. Per
Branches
699.15
412.77
603.90
757.67
762.81
861.48

Growth Rate
(%)
-40.96%
46.30%
25.46%
0.68%
12.93%

No. of
Branches
2
2
3
3
3
3

C.N.A
Depo. Per
Branches
2247.50
3550.63
2618.26
2407.52
4679.87
7018.98

Growth Rate
(%)
57.98%
-26.26%
-8.05%
94.39%
49.98%

SCB
Depo. Per
Branches
331.96
345.74
365.29
381.23
434.00
443.42

Growth Rate
(%)
4.15%
5.65%
4.36%
13.84%
2.17%

Deposit
16344.92
32570.52
45467.74
49089.94
57032.42
64131.72

Di
Deposit per Branch (DB) = -------Bi

Here, Di = Deposit of the year considering

Bi = Number of Branches of the year considering

DBi - DBo
Growth Rate of Deposit per Branch = --------- x 100
DBo

Here, DBO = Deposit per Branch of

base year
DBi = Deposit per Branch of the
year considering

229

No. of
Branches
13
13
18
18
25
26

Deposit
4495
7101
7854.77
7222.55
14039.6
21056.94

ANNEXURE 7
STATEMENT OF RELATIONSHIP BETWEEN INVESTMENT AND NUMBER OF BRANCHES OF
SAMPLE BANKS

Year

Investment

2001
2002
2003
2004
2005
2006

35237.76
46280.61
59007.49
75858.56
93644.15
113575.1

Year

Investment

2001
2002
2003
2004
2005
2006

9074.94
12686.85
16492.22
23219.67
31916.11
45010

IBBL
No. of
Investment Per
Branches
Branches
121
291.22
128
361.57
141
418.49
151
502.37
169
554.11
176
645.31

Growth
Rate (%)
24.16%
15.74%
20.04%
10.30%
16.46%

PBL
No. of
Investment Per
Branches
Branches
26
349.04
27
469.88
30
549.74
36
644.99
41
778.44
50
900.20

Growth
Rate (%)
34.62%
17.00%
17.33%
20.69%
15.64%

Ii
investment per Branch(IB) = -------- ---Bi

Investment
5131.55
7954.56
12289.12
19332.44
26046.34
32641.27

Investment
20200.64
21677.96
22257.15
23129.65
27020.21
32709.68

EXIM
No. of
Investment Per
Branches
Branches
10
513.16
16
497.16
19
646.80
24
805.52
28
930.23
30
1088.04

Growth
Rate (%)
-3.12%
30.10%
24.54%
15.48%
16.97%

NBL
No. of
Investment Per
Branches
Branches
75
269.34
76
285.24
76
292.86
76
304.34
76
355.53
91
359.45

Growth
Rate (%)
5.90%
2.67%
3.92%
16.82%
1.10%

Investment
5079.21
6403.6
7571.54
8150.16
11474.41
17423.19

Investment
15731.08
29527.95
39239.42
38131.73
40488.65
47373.1

Here, Ii = Investment of the year considering

Bi = Number of Branch of the year considering.

IBi - IBo
Growth Rate of Investment per Branch = --------- x 100
IBo
Here, IBo = Investment per Branch of the base year
IBi = Investment per Branch of the year considering.

230

AAB
No. of
Investment Per Growth Rate
Branches
Branches
(%)
40
126.98
40
160.09
26.07%
40
189.29
18.24%
40
203.75
7.64%
41
279.86
37.35%
46
378.77
35.34%

No. of
Branches
13
13
18
18
25
26

SCB
Investment Per Growth Rate
Branches
(%)
1210.08
2271.38
87.70%
2179.97
-4.02%
2118.43
-2.82%
1619.55
-23.55%
1822.04
12.50%

Investment
216.56
1999.97
4269
7149
10590
15516

Investment
2833
4680
5827.7
6558.77
7302.21
9543.51

No. of
Branches
2
8
10
12
16
21

SBL
Investment Per Growth Rate
Branches
(%)
108.28
250.00
130.88%
426.90
70.76%
595.75
39.55%
661.88
11.10%
738.86
11.63%

C.N.A
No. of
Investment Per Growth Rate
Branches
Branches
(%)
2
1416.50
2
2340.00
65.20%
3
1942.57
-16.98%
3
2186.26
12.54%
3
2434.07
11.34%
3
3181.17
30.69%

ANNEXURE 8
STATEMENT OF MANPOWER EXPANSION OF SAMPLE BANKS.

Year
2001
2002
2003
2004
2005
2006

IBBL
Total
Growth Rate
Manpower
(%)
3831
4249
10.91%
4673
9.98%
5306
13.55%
6202
16.89%
7459
20.27%

EXIM
Total
Growth Rate
Manpower
(%)
357
500
40.06%
627
25.40%
768
22.49%
934
21.61%
1020
9.21%

AAB
Total
Growth Rate
Manpower
(%)
659
670
1.67%
685
2.24%
803
17.23%
771
-3.99%
912
18.29%

Total
Manpower
84
195
243
283
340
377

SBL
Growth Rate
(%)
132.14%
24.62%
16.46%
20.14%
10.88%

Ei - Eo
Growth Rate of Manpower Expansion = -------- x 100
Eo
Here, Eo = Number of Employees of the base year
Ei = Number of Employees of the year considering.

231

Total
Manpower
613
730
777
894
1024
1172

PBL
Growth Rate
(%)
19.09%
6.44%
15.06%
14.54%
14.45%

Total
Manpower
2073
2171
2185
2133
2183
2270

NBL
Growth Rate
(%)
4.73%
0.64%
-2.38%
2.34%
3.99%

Total
Manpower
247
241
601
628
741
859

SCB
Growth Rate
(%)
-2.43%
149.38%
4.49%
17.99%
15.92%

C.N.A
Total
Growth Rate
Manpower
(%)
42
50
19.05%
80
60.00%
94
17.50%
111
18.09%
153
37.84%

ANNEXURE 9
STATEMENT OF RELATIONSHIP BETWEEN DEPOSIT AND NUMBER OF
EMPLOYEES OF SAMPLE BANKS

Year

Deposit

2001
2002
2003
2004
2005
2006

41547.29
55461.62
69941.79
87841.01
107779.4
132419.4

IBBL
Total
Depo. Per
Manpower
Employee
3831
10.85
4249
13.05
4673
14.97
5306
16.56
6202
17.38
7459
17.75

Growth Rate
(%)
20.36%
14.67%
10.61%
4.97%
2.16%

Deposit
7389.54
9945.23
15242.97
19078.18
28319.21
35032.02

EXIM
Total
Depo. Per
Manpower
Employee
357
20.70
500
19.89
627
24.31
768
24.84
934
30.32
1020
34.35

PBL

AAB
Growth Rate
(%)
-3.91%
22.22%
2.18%
22.06%
13.27%

Deposit
7879.18
7163
8643.27
10108.28
11643.66
16775.33

Total
Manpower
659
670
685
803
771
912

NBL
Depo. Per
Employee

Growth Rate
(%)

SBL
Depo. Per
Employee
11.96
10.69
12.62
12.59
15.10
18.39

Growth Rate
(%)
-10.58%
18.02%
-0.24%
19.97%
21.80%

Depo. Per
Employee

Growth Rate
(%)

Deposit

Deposit
1398.30
3302.15
6039.00
9092.00
12205.00
18091.00

SCB
Depo. Per
Employee

Growth Rate
(%)

Deposit

Total
Manpower

Depo. Per
Employee
16.65
16.93
24.85
32.13
35.90
47.99

Growth Rate
(%)
1.73%
46.76%
29.27%
11.73%
33.68%

C.N.A
Total
Depo. Per
Manpower
Employee

Growth Rate
(%)

Year

Deposit

Total
Manpower

2001

13259.87

613

21.63

24896.64

2073

12.01

16344.92

247

66.17

4495

42

107.02

2002
2003
2004
2005
2006

16481.6
20483.23
28069.24
36022.46
54724

730
777
894
1024
1172

22.58
26.36
31.40
35.18
46.69

4.38%
16.76%
19.10%
12.04%
32.73%

26276.26
27762.12
28973.39
32984.05
40350.87

2171
2185
2133
2183
2270

12.10
12.71
13.58
15.11
17.78

0.78%
4.98%
6.91%
11.24%
17.65%

32570.52
45467.74
49089.94
57032.42
64131.72

241
601
628
741
859

135.15
75.65
78.17
76.97
74.66

104.23%
-44.02%
3.32%
-1.54%
-3.00%

7101
7854.77
7222.55
14039.6
21056.94

50
80
94
111
153

142.03
98.18
76.84
126.48
137.63

32.70%
-30.87%
-21.74%
64.61%
8.81%

Di
Deposit per Employee (DE) = ------------Ei
DEi - DEo
Growth Rate of Deposit per Employee = ---------- x 100
DEo

Deposit

Total
Manpower

Total
Manpower
84
195
243
283
340
377

Here, Di = Deposit of the year considering

Ei = Number of Employees of the year considering.
Here, DEo=Deposit per Employee of
base year
DEi=Deposit per Employee of the
year considering.

232

ANNEXURE 10
STATEMENT OF RELATIONSHIP BETWEEN INVESTMENT AND NUMBER OF
EMPLOYEES OF SAMPLE BANKS.

Year

Investment

2001
2002
2003
2004
2005
2006

35237.76
46280.61
59007.49
75858.56
93644.15
113575.1

Year

Investment

2001
2002
2003
2004
2005
2006

9074.94
12686.85
16492.22
23219.67
31916.11
45010

IBBL
Total
Inv. Per
Manpower
Employee
3831
9.20
4249
10.89
4673
12.63
5306
14.30
6202
15.10
7459
15.23

Growth
Rate (%)
18.42%
15.93%
13.22%
5.61%
0.84%

PBL
Total
Manpower
613
730
777
894
1024
1172

Growth
Rate (%)
17.39%
22.13%
22.37%
20.00%
23.22%

Inv. Per
Employee
14.80
17.38
21.23
25.97
31.17
38.40

Ii
Investment per Employee(IE) = ---------Ei

Investment
5131.55
7954.56
12289.12
19332.44
26046.34
32641.27

Investment
20200.64
21677.96
22257.15
23129.65
27020.21
32709.68

EXIM
Total
Inv. Per
Manpower
Employee
357
14.37
500
15.91
627
19.60
768
25.17
934
27.89
1020
32.00

Growth
Rate (%)
10.68%
23.20%
28.43%
10.78%
14.75%

NBL
Total
Inv. Per
Manpower
Employee
2073
9.74
2171
9.99
2185
10.19
2133
10.84
2183
12.38
2270
14.41

Growth
Rate (%)
2.47%
2.01%
6.45%
14.14%
16.42%

Investment
5079.21
6403.6
7571.54
8150.16
11474.41
17423.19

Investment
15731.08
29527.95
39239.42
38131.73
40488.65
47373.1

AAB
Total
Inv. Per
Manpower
Employee
659
7.71
670
9.56
685
11.05
803
10.15
771
14.88
912
19.10

Growth Rate
(%)
24.00%
15.65%
-8.18%
46.63%
28.37%

SCB
Total
Inv. Per
Manpower
Employee
247
63.69
241
122.52
601
65.29
628
60.72
741
54.64
859
55.15

Growth Rate
(%)
92.38%
-46.71%
-7.00%
-10.01%
0.93%

Here, Ii = Investment of the year considering

Ei = Number of Employee of the year considering

TEi - IEo
Growth Rate of Investment per Employee = --------- x 100
IEo
Here, IEo = Investment per Employee of base year.
IEi = Investment per Employee of the year considering.

233

Investment
216.56
1999.97
4269
7149
10590
15516

Investment
2833
4680
5827.7
6558.77
7302.21
9543.51

SBL
Total
Inv. Per
Manpower
Employee
84
2.58
195
10.26
243
17.57
283
25.26
340
31.15
377
41.16

Growth Rate
(%)
297.82%
71.29%
43.79%
23.30%
32.14%

C.N.A
Total
Inv. Per
Manpower
Employee
42
67.45
50
93.60
80
72.85
94
69.77
111
65.79
153
62.38

Growth Rate
(%)
38.76%
-22.17%
-4.22%
-5.72%
-5.18%

ANNEXURE 11
STATEMENT OF RELATIONSHIP BETWEEN NUMBER OF BRANCHES
AND NUMBER OF EMPLOYEES.

Year
2001
2002
2003
2004
2005
2006

Year
2001
2002
2003
2004
2005
2006

IBBL
EXIM
AAB
SBL
Employee Per
Employee Per
Employee Per
Employee Per
Total Manpower Total Branches
Growth Rate (%) Total Manpower Total Branches
Growth Rate (%) Total Manpower Total Branches
Growth Rate (%) Total Manpower Total Branches
Branches
Branches
Branches
Branches
3831
121
32
357
10
36
659
40
16
84
2
42
4249
128
33
4.85%
500
16
31
-12.46%
670
40
17
1.67%
195
8
24
4673
141
33
-0.16%
627
19
33
5.60%
685
40
17
2.24%
243
10
24
5306
151
35
6.03%
768
24
32
-3.03%
803
40
20
17.23%
283
12
24
6202
169
37
4.44%
934
28
33
4.24%
771
41
19
-6.33%
340
16
21
7459
176
42
15.48%
1020
30
34
1.93%
912
46
20
5.43%
377
21
18

Growth Rate
(%)
-41.96%
-0.31%
-2.95%
-9.89%
-15.52%

PBL
NBL
SCB
C.N.A
Employee Per
Employee Per
Employee Per
Employee Per
Total Manpower Total Branches
Growth Rate (%) Total Manpower Total Branches
Growth Rate (%) Total Manpower Total Branches
Growth Rate (%) Total Manpower Total Branches
Branches
Branches
Branches
Branches
613
26
24
2073
75
28
247
13
19
42
2
21
730
27
27
14.68%
2171
76
29
3.35%
241
13
19
-2.43%
50
2
25
777
30
26
-4.21%
2185
76
29
0.64%
601
18
33
80.11%
80
3
27
894
36
25
-4.12%
2133
76
28
-2.38%
628
18
35
4.49%
94
3
31
1024
41
25
0.57%
2183
76
29
2.34%
741
25
30
-15.04%
111
3
37
1172
50
23
-6.15%
2270
91
25
-13.16%
859
26
33
11.47%
153
3
51

Growth Rate
(%)
19.05%
6.67%
17.50%
18.09%
37.84%

Ei
Employees per Branch (EB) = -- -------Bi

Here, Ei = Number of Employees of the year Considering.

Bi = Number of branches of the year considering.

EBi - EBo
Growth rate of Employees per branch = --------- x 100
EBo
Here, EBo = Employees per Branch of the base year.
EBi = Employees per Branch of the year considering.

234

ANNEXURE 12
STATEMENT OF INCOME, EXPENDITURE AND PROFIT PERFORMANCE OF
SAMPLE BANKS.

Year
2001
2002
2003
2004
2005
2006

Income
4259.55
5234.07
6710.44
8262.73
10586.78
14038.3

IBBL
Expenditure
3683.43
4240.02
5908.42
6419.74
8424.36
11129.63

Profit
576.12
994.05
802.2
1842.99
2162.42
2908.67

Growth (%)
72.54%
-19.30%
129.74%
17.33%
34.51%

Income
940.87
1316.56
1961.91
2636.88
3433.39
4967.57

EXIM
Expenditure
Profit
667.01
273.86
929.76
386.8
1399.25
562.66
1801.07
835.81
2257.63
1175.76
3588.89
1378.68

Growth (%)
41.24%
45.47%
48.55%
40.67%
17.26%

Income
800.35
835.42
987.68
1120.85
1452.68
2172.48

AAB
Expenditure
678.84
671.48
681.34
771.96
904.48
1202.71

Profit
121.51
163.94
306.34
348.89
548.2
969.77

Growth (%)
34.92%
86.86%
13.89%
57.13%
76.90%

Income
84.53
316
536
841
1620
2563

SBL
Expenditure
77.15
221
512
767
1118
1718

Profit
7.38
95
24
74
502
845

Growth (%)
1187.26%
-74.74%
208.33%
578.38%
68.33%

Year
2001
2002
2003
2004
2005
2006

PBL
Income
1100.14
1196.2
1593.69
1970.37
2406.43
3235.23

Expenditure
344.05
448.36
592.28
824.23
886.09
1108.61

Profit
756.09
747.84
1001.41
1146.14
1520.34
2126.61

Growth (%)
-1.09%
33.91%
14.45%
32.65%
39.88%

NBL
Income
3288
3343.55
3622.31
3715.21
4202.52
5728.82

Expenditure
2271.36
2473.23
2677.22
2980.06
3351.19
4582.04

Growth (%)
-14.39%
8.59%
-22.21%
15.80%
34.70%

SCB
Income
2411.88
4430.11
6684.83
7319.68
8070.31
10194.2

Expenditure
1086.7
2107.55
3159.96
3348.76
3666.85
4261.7

Profit
616.3
1013.13
1953.67
2483.55
2879.24
3232.09

Growth (%)
64.39%
92.84%
27.12%
15.93%
12.25%

Income
338
722
1072.77
1275.23
1784.76
2744.08

CAN
Expenditure
118
474
577.49
594.63
607.55
1065.58

Profit
220
248
221.01
384.41
647.83
881.7

Growth (%)
12.73%
-10.88%
73.93%
68.53%
36.10%

Net Profit (NP) =

TIi - TEi

Profit
1016.64
870.32
945.09
735.15
851.33
1146.78

Here TIi = Total Income of the year considering.

TEi = Total Expenditure of the year considering.

NPi - NPo
Growth Rate of Net Profit = -------- x 100
NPo
Here, NPo = Net Profit of the base year.
NPi = Net profit of the year considering.

235

ANNEXURE 13
STATEMENT OF PROFIT PERFORMANCE PER EMPLOYEE OF SAMPLE BANKS

IBBL
Profit
576.12
994.05
802.2
1842.99
2162.42
2908.67

Total Manpower
3831
4249
4673
5306
6202
7459

EXIM
Profit per
Employee
0.15
0.23
0.17
0.35
0.35
0.39

Growth Rate
(%)
55.57%
-26.62%
102.33%
0.38%
11.84%

Profit per
Employee
1.23
1.02
1.29
1.28
1.48
1.81

Growth Rate
(%)
-16.94%
25.81%
-0.53%
15.81%
22.21%

Profit
273.86
386.8
562.66
835.81
1175.76
1378.68

Total Manpower
357
500
627
768
934
1020

PBL
Profit
756.09
747.84
1001.41
1146.14
1520.34
2126.61

Total Manpower
613
730
777
894
1024
1172

AAB
Profit per
Employee
0.77
0.77
0.90
1.09
1.26
1.35

Growth Rate
(%)
0.85%
16.00%
21.27%
15.67%
7.37%

Profit per
Employee
0.49
0.40
0.43
0.34
0.39
0.51

Growth Rate
(%)
-18.26%
7.90%
-20.32%
13.15%
29.54%

Profit
121.51
163.94
306.34
348.89
548.2
969.77

Total Manpower
659
670
685
803
771
912

NBL

NPi
Net Profit per Employee (NPE) = ----------Ei
NPEi - NPEo
Growth Rate of Net Profit Employee = ----------- x 100
NPEo

Profit
1016.64
870.32
945.09
735.15
851.33
1146.78

Total Manpower
2073
2171
2185
2133
2183
2270

SBL
Profit per
Employee
0.18
0.24
0.45
0.43
0.71
1.06

Growth Rate
(%)
32.70%
82.77%
-2.85%
63.65%
49.55%

Profit per
Employee
2.50
4.20
3.25
3.95
3.89
3.76

Growth Rate
(%)
68.48%
-22.67%
21.66%
-1.75%
-3.17%

Profit
7.38
95
24
74
502
845

SCB
Profit
616.3
1013.13
1953.67
2483.55
2879.24
3232.09

Total Manpower
247
241
601
628
741
859

Here, NPo = Net Profit of the year considering.

Ei = Number of Employees of the year considering.

Here, NPEo = Net Profit per Employee of the base year

NPEi = Net Profit per Employee of the year considering.

236

Profit
220
248
221.01
384.41
647.83
881.7

Profit per
Employee
0.09
0.49
0.10
0.26
1.48
2.24

Growth Rate
(%)
454.51%
-79.73%
164.75%
464.65%
51.81%

C.N.A
Profit per
Total Manpower
Employee
42
5.24
50
4.96
80
2.76
94
4.09
111
5.84
153
5.76

Growth Rate
(%)
-5.31%
-44.30%
48.03%
42.72%
-1.26%

Total Manpower
84
195
243
283
340
377

ANNEXURE 14
STATEMENT OF DIVIDEND PAID BY SAMPLE BANKS.

Year
2001
2002
2003
2004
2005
2006

IBBL
Growth Rate
Dividend
(%)
25
25
0.00%
20
-20.00%
20
0.00%
25
25.00%
25
0.00%

EXIM
Growth Rate
Dividend
(%)
37.5
32
-14.67%
40
25.00%
40
0.00%
30
-25.00%
25
-16.67%

AAB
Growth Rate
Dividend
(%)
7.5
20
166.67%
16
-20.00%
15.5
-3.13%
26
67.74%
35
34.62%

SBL
Growth Rate
Dividend
(%)
12.5
-

DVi - DVo
Growth Rate of Divided = ------------- x 100
DVo
Here, DVo = Divided paid in base year
DVi = Divided paid in the year considering.

237

PBL
Growth Rate
Dividend
(%)
50
36.67
-26.66%
62.86
71.42%
40
-36.37%
25
-37.50%
30
20.00%

NBL
Growth Rate
Dividend
(%)
30
20
-33.33%
20
0.00%
20
0.00%
30
50.00%
50
66.67%

SCB
Growth Rate
Dividend
(%)
-

C.N.A
Growth Rate
Dividend
(%)
-

ANNEXURE 15
WORK SHEET
2001
Particulars
IBBL
Authorised
Capital
1000
Paid up Capital
640
Number of
Branches
121
Number of
Employees
3831
Deposit in mln
Tk.
41547.29
Investment in
mln. Tk.
35237.76
Total Income
4259.55
Total
Expenditure
3683.43
Net Profit
576.12
Import
Business
25907
Export
Business
16082
Remittance
9879
Dividend
25
No. of
Employees in
Marketing
Dept
Expenditure in
promotion

2002

EXIM

AAB

SBL

PBL

1000

1000

800

1000

225

253

205

500

10

40

26

357

659

84

7389.54

7879.18

5131.55
940.87

NBL

EXIM

AAB

SBL

2003
PBL

3000

1000

1000

800

1000

1000

1920

313.88

506

231

700

430.27

845.9

845

141

19

40

10

30

76

18

241

50

4673

627

685

243

777

2185

601

80

26276.26

32570.52

7101

69941.79

15242.97

8643.27 6039 20483.23

27762.12

45467.74

7854.77

12686.85

21677.96

29527.95

4680

59007.49

12289.12

7571.54 4269 16492.22

22257.15

39239.42

5827.7

1196.2

3343.55

4430.11

722

6710.44

1961.91

987.68

536

1593.69

3622.31

6684.83

1072.77

221

448.36

2473.23

2107.55

474

5908.42

1399.25

681.34

512

592.28

2677.22

3159.96

577.49

163.94

95

747.84

870.32

1013.13

248

802.2

562.66

306.34

24

1001.41

945.09

1953.67

221.01

13152.5

5162.51

2674

19564

19245.7

5220

2928

46237

19260

7698.29 5584

25440.7

19264.5

36408

9049

16673

10088.3

1894.77

644

12189.7

17771.2

7560

2640

21738

15124.6

3075.52 1755

16490.1

16341.8

35011

7059

14670

277.6

1252

6458.1

14960

16668

235

15

3063

7637.5

32

20

12.5

36.67

20

20

40

16

62.86

20

57968
-

11573

25

27536
-

SCB

C NA

IBBL

EXIM

AAB

SBL

PBL

1000

430.27

675

1000

1000

1000

800

1000

640

253.13

253

205

600

75

13

128

16

40

27

613

2073

247

42

4249

500

670

195

1398.3

13259.87

24896.64

16344.92

4495

55461.62

9945.23

7163

5079.21

216.56

800.35

84.53

9074.94

20200.64

15731.08

2833

46280.61

7954.56

1100.14

3288

2411.88

338

5234.07

1316.56

667.01

678.84

77.15

344.05

2271.36

1086.7

118

4240.02

273.86

121.51

7.38

756.09

1016.64

616.3

220

8519.7

5559.27

471.03

13427.6

22071

19552

7442.2

2524.63

96.26

14186.6

4979.8

402.8

3.4

22071

37.5

7.5

50

NBL

SCB

C NA

IBBL

1000

430.27

830.52

76

13

730

2171

3302.15

16481.6

6403.6

1999.97

835.42

316

929.76

671.48

994.05

386.8

3364

33788

16931

1143
12480

30

11395
-

0.12

NBL

SCB

1.16

238

C NA

2.3

Particulars
Authorised
Capital
Paid up Capital
Number of
Branches
Number of
Employees
Deposit in mln
Tk.
Investment in
mln. Tk.
Total Income

IBBL

EXIM

AAB

2004
SBL

PBL

2005
NBL

SCB

C NA

IBBL

EXIM

2006

AAB

SBL

PBL

NBL

SCB

C NA

IBBL

EXIM

AAB

SBL

PBL

NBL

SCB

C NA

3000

1000

1000

2000

1000

1000

5000

1000

1000

2000

4000

1000

5000

3500

2500

2000

4000

2450

2304

627.75

586.96

467

1000

516.33

870.35

1052.89

2764.8

878.85

677.94

936

1400

619.59

1806.83

1805.69

3456

1713.75

854.2

936

1750

805.47

1838.39

2734.75

151

24

40

12

36

76

18

169

28

41

16

41

76

25

176

30

46

21

50

91

26

5306

768

803

283

894

2133

628

94

6202

934

771

340

1024

2183

741

111

7459

1020

912

377

1172

2270

859

153

54724

40350.87 64131.72 21056.94

32709.68 47373.1

87841.01

19078.18 10108.28

9092

28069.24 28973.39 49089.94 7222.55 107779.4 28319.21 11643.66

12205

36022.46 32984.05 57032.42 14039.6 132419.4 35032.02 16775.33

18091

75858.56

19332.44 8150.16

7149

23219.67 23129.65 38131.73 6558.77 93644.15 26046.34 11474.41

10590

31916.11 27020.21 40488.65 7302.21 113575.1 32641.27 17423.19

15516

45010

8262.73

2636.88

1120.85

841

1970.37

3715.21

7319.68

1275.23 10586.78 3433.39

1452.68

1620

2406.43

4202.52

8070.31

1784.76

14038.3

4967.57

2172.48

2563

3235.23

5728.82 10194.21 2744.08

Total Expenditure

6419.74

1801.07

771.96

767

824.23

2980.06

3348.76

594.63

8424.36

2257.63

904.48

1118

886.09

3351.19

3666.85

607.55

11129.63 3588.89

1202.71

1718

1108.61

4582.04

4261.7

1065.58

Net Profit

1842.99

835.81

348.89

74

1146.14

735.15

2483.55

384.41

2162.42

1175.76

548.2

502

1520.34

851.33

2879.24

647.83

2908.67

1378.68

969.77

845

2126.61

1146.78

3232.09

881.7

9543.51

Import Business

59804

26781

9337.49

10017

36747

22028.3

46941

12694

74525

41432

12631.6

13114

40303

31648.2

56612

15652

96870

49596.7

18821.4

18684

52639

42458.5

51930

11452

Export Business

29151

22418.4

3639.34

4240

19501.8

17105.3

58328

7686

36169

31285

4932.9

6295

28882

21344.1

40280

17434

51133

46234.6

9142.7

11282

41801

28019.2

41534

14460

Remittance

18974

36948

223

690

3688

13618.2

53819

343.8

3535

15050

21311.1

30

26

25

30

25

25

35

30

50

46440
-

11796

25

86544
-

12462

23669

113.1

67

2140

9035.5

Dividend

20

40

15.5

40

20

78967
-

No. of Employees
in Marketing Dept

Expenditure in
promotion

1.52

4.22

Source : Banks' Annual Reports & Resume of Financial Institutions of Bangladesh as well as Primary.

239

6.58