07 Chapter 4

CHAPTER 4
134
EMPIRICAL ANALYSIS
4.1 Capital Structure of Sample Banks

4.1.1 Islami Bank Bangladesh Limited (IBBL):
Authorised Capital of IBBL is Tk.5000 million which is divided into 50,00,000 ordinary
shares of Tk.1000 each. As on 31 December 2006, its paid up capital stood at Tk.3456
million which is divided into 34,56,000 ordinary shares of Tk.1000 each.
Sl. Particulars Number of Shares Total Taka

No.
01 Sponsors/Promoters 1372552 1372552000
02 General Public 2083403 2083403000
03 Government of People’s Republic of 45 45000
Bangladesh
4.1.2 Export Import Bank of Bangladesh Limited (EXIM):

EXIM Bank started its operation in 1999 with an authorized capital of Tk.3500 million which
was divided into 3,50,00,000 ordinary shares of Tk.100 each. As on December 31, 2006,
Paid-up Capital of EXIM Bank was Tk.1713.7575 million which was divided into 17137575
ordinary shares of Tk.100 each.

No.
01 Sponsors/Directors (including share of 8816241 881624100
the Directors elected from public share
holders)
02 Financial Institutions 2843355 284335500
03 Non Resident bangladeshi 349357 34935700
04 General Public 5128622 512862200
17137575 1713757500
4.1.3 Al-Arafah Islami Bank Limited (AAIBL):
AAIBL started its operation in 1995 with an authorized capital of Tk.1000 million divided
into 10,00,000 ordinary shares of Tk.1000 each. As on December 31, 2006, Bank raised its
authorized capital to Tk.2500 million divided into 25,00,000 ordinary shares of Tk.1000 each
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whereas Paid-up Capital was Tk.854.20 million divided into 8,54,204 ordinary shares of
Tk.1000 each.

No.
01 Sponsors/ Promoters 427065 427065000
02 General Public 427139 427139000
4.1.4 Shah Jalal Islami Bank Limited (SJIBL):

SJIBL started its operation in 2001 with an authorized capital of Tk.800 million divided into
80,00,000 ordinary shares of Tk.100 each. As on December 31, 2006, Bank raised its
authorized capital to Tk.2000 million divided into 2,00,00,000 ordinary shares of Tk.100
each whereas Paid-up Capital was Tk.935.82 million divided into 9358250 ordinary shares of
Tk.1000 each.

No.
01 Sponsors/ Promoters 9358250 935825000
4.1.5 Prime Bank Limited (PBL):

PBL started its operation in 1995 with an authorized capital of Tk.1000 million divided into
1,00,00,000 ordinary shares of Tk.100 each. As on December 31, 2006, Bank raised its
each whereas Paid-up Capital was Tk.1750.00 million divided into 1,75,00,000 ordinary
shares of Tk.1000 each.

No.
01 Sponsors 7597376 759737600
02 Financial Institutions 2352702 235270200
03 Foreign Investors 127150 12715000
04 Non Resident Bangladeshi 3873 387300
05 General Public 7418899 741889900
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4.1.6 National Bank Limited (NBL):
NBL started its operation in 1983 with an authorized capital of Tk.100 million divided into
10,00,000 ordinary shares of Tk.100 each. As on December 31, 2006, Bank raised its
each whereas Paid-up Capital was Tk.805.47 million divided into 80,54,715 ordinary shares
of Tk.100 each.
4.1.7 Standard Chartered Bank (SCB):
SCB is a Foreign Bank that is operating its 26 branches in Bangladesh. For a branch of a
foreign bank Authorised Capital figure is not required. As on December 31,2006, the paid-up
capital (Fund Deposited with Bangladesh Bank as capital) of SCB was Tk.1838.39 million.
4.1.8 Citi Bank NA (CNA):
CNA is also a Foreign Bank that is operating its only one branch in Bangladesh. Being a
branch of Foreign Bank it requires no Authorized capital figure. CNA started its operations in
1995 in Bangladesh. As on December 31,2006, the paid-up capital (Fund Deposited with
Bangladesh Bank as capital) of CNA was 2734.75 million.
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CAPITAL STRUCTURE OF 8 SELECTED BANKS IS AS FOLLOWS:
TABLE NO.T-1
CAPITAL STRUCTURE OF SAMPLE BANKS
(Fig.in Million Taka)

Year IBBL EXIM AAB SJIBL
Authorised Paid up Authorised Paid up Authorised Paid up Authorised Paid up

Capital Capital Capital Capital Capital Capital Capital Capital
200
Tk.5000.00 Tk.3456.00 Tk.3500.00 Tk.1713.00 Tk.2500.00 Tk.854.20 Tk.2000.00 Tk.935.82
6
Year PBL NBL SCB C NA

Authorised Paid up Authorised Paid up Authorised Paid up Authorised Paid up
Capital Capital Capital Capital Capital Capital Capital Capital
200
Tk.4000.00 Tk.1750.00 Tk.2450.00 Tk.805.47 - Tk.1838.39 - Tk.2734.75
6
Source: Banks' Annual Reports and Resume of Financial Institutions of Bangladesh.
4.2 Mobilization and Allocation of Funds of Sample Banks
4.2.1. Deposit Schemes:
Deposit collection or fund mobilization is the main function of a bank. Deposit is considered
“life blood” of a bank. All banks follow different mechanism to collect deposits. All of the
selected banks have traditional Accounts like current Accounts and Savings Accounts. In
addition to these Banks have introduced many accounts with special facilities to attract
clients. Following table shows the various deposit schemes of sample banks.
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TABLE NO.T-2
DEPOSIT SCHEMES OF SAMPLE BANKS
IBBL EXIM AAIB SJBL

1. Al-Wadeeah Deposit 1. Al-Wadiah 1. Al Wadea Current 1. Mudaraba Short
Accounts. Deposit Account Deposit (CD) Notice Deposit
a. Current Account 2. Mudaraba Deposit 2. Mudaraba Saving Account
b. Non Resident Tk. Account (RFCD, Deposit (MSD) 2. Mudaraba Savings
A/c NFCD) 3. Mudaraba Term Account
c. Convertible Taka 3. Mudaraba Savings Deposit (MTD) 3. Mudaraba Term
A/c Monthly Scheme 4. Mudaraba Short Deposit Account
d. Foreign Currency (Money Grower) Notice Deposit 4. Other Scheme
Deposit A/c. 4. Mudaraba Income (SND) Deposit Accounts
Scheme (Steady 5. Monthly Profit
2. Al-Mudaraba Money) Based Term Deposit
Deposit Accounts. 5. Mudaraba Super (PTD)
a. Savings Account Savings-Double in 6. Monthly
b. Savings Bond 6 years Installment Based
c. Hajj Savings A/c. 6. Mudaraba Term Deposit (ITD)
d. Special Savings Multiplus Savings-
(Pension Scheme) A/c More than triple in 7. Monthly
e. Term Deposits A/c 10 years Installment based
f. Special Notice 7. Mudaraba Hajj Deposit (MHD)
Deposit A/c. Education Savings- 8. Onetime Hajj
For Higher Deposit (THD)
Education 9. Marriage &
8. Mudaraba Hajj Investment Deposit
Prokalpa (MIS)
9. Mudaraba Credit 10. Al-Arafah Savings
Cards Bond (ASB)
10. Foreign Currency 11. Foreign Currency
Deposit Account Deposit (FCD)
12. Pension Deposit
Scheme (PDS)
13. Cash Waqfa
Deposit Scheme
(CWD)
14. Mudaraba
Millionaire Deposit
scheme
15. Mudaraba Double
Deposit Scheme
16. Mudaraba Lacpoti
Deposit Scheme
17. Mudaraba Kotipoti
Deposit Scheme
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PBL NBL SCB C NA
1. Contributory 1. Savings Deposits 1. Savings 1. Savings Account.
Savings Scheme Account Account 2. Fixed Deposit
2. Monthly Benefit 2. Current Deposits 2. Current Account.
Deposit Scheme Account Account
3. Education Savings 3. Term or Fixed 3. Term Deposits
Scheme Deposit Accounts 4. Money
4. Fixed Deposit 4. Steady Money Builder
Scheme Deposit Accounts
5. Short Term like STD (Short
Deposit Term Deposit) A/c
6. Lakhopati Deposit 5. Super Savings
Scheme Deposit Accounts
7. Double Benefit 6. Special Deposit
Deposit Scheme Scheme
8. Foreign Currency 7. Monthly Savings
Account Scheme
9. Resident Foreign
Currency Deposit
Account
10. Non-resident
Foreign Currency
Deposit Account
11. Non-resident Taka
Account
12. Non-resident
Investors Taka
Account
13. House Building
Deposit Scheme
14. Prime Millionaire
Scheme
Source: Primary.
Citi Bank NA (CNA) is a Foreign Bank. It started its operation through only one branch in
Bangladesh in 1995. Its branches in Bangladesh are mainly for corporate customers i.e.
Corporations and Banks where they accept deposits from high net worth individuals except
Gulshan Branch which was established in 2003 to offer special deposit schemes like other
banks in Bangladesh. These deposits are taken with different maturities. IBBL, an Islamic
Bank and being operated under Islamic shariah, designs the traditional mechanism in a
Islamic way. It also names its accounts as per Islamic shariah. IBBL has many attractive
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deposit schemes. Among them, Savings Bond, Hajj Savings A/c are two popular accounts for
deposit collection.
Besides, Traditional current A/c, Savings A/c and Term Deposit A/c, NBL has introduced
two special deposit schemes namely ‘Savings Insurance Scheme” and “Deposit Pension
Scheme”.
Comparatively SJBL is a new bank. It mobilizes its funds through only Current A/c, Savings
A/c & Term Deposit A/c. SCB is the introducer of “Electronic” or “Auto-machine” banking
in Bangladesh. They collect funds through typical deposit schemes like savings A/cs, Current
A/cs and Term Deposit A/cs. They always represent their schemes to their clients in an
innovative way. They re-arrange the traditional mechanism and represent it with some
tangible arrangements. Money Builder is one of the deposit schemes of SCB which has been
popular.
4.2.2 Investment Schemes:
A bank must utilize its collected funds in different investment schemes. This is the main way
of earning profit for a bank. Bank’s financial performance mostly depends on how effectively
it utilizes its fund. Banks follow various modes of investment. Following table shows the
investment schemes of selected banks.
141
TABLE NO.T-3
INVESTMENT SCHEMES OF SAMPLE BANKS
IBBL EXIM AAB SJIBL

1. Bai-Murabaha 1. Corporate 1. Murabaha 1. Musharaka (equity
2. Bai Muazzal Finance 2. Bai- participation on the
3. Hire-Purchase 2. Commercial Muazzal basis of sharing profit
4. Musharaka Finance 3. Bai-Salam and loss)
5. Mudaraba 3. Industrial Finance 4. Hire 2. Mudaraba (sharing of
6. Ijara 4. Project Finance Purchase profit and loss in
7. Bai-Salam 5. Lease Finance (HPSM) business where one of
8. Istisna 6. Syndicate 5. Mudaraba the partners provides
9. Quard Finance 6. Musharaka expertise and
10.Welfare-Oriented 7. Hire Purchase 7. Qard management and other
Investment Scheme Finance 8. Special partner provides
a. Small Transport 8. Real Estate Investment capital remaining
Investment Scheme Finance inactive)
b. Transport 3. Murabaha (buying
Investment Scheme. and selling of
c. Small Business commodities, goods
Investment Scheme. etc. with profit)
d. Agriculture 4. Bai-Muajjal (credit
Investment Scheme sale with profit)
e. Poultry Investment 5. Ijara (leasing for
Scheme rent)
f. House Hold 6. 6. Hire purchase or
Durables Investment Shirkatul Melk
Scheme. 7. Bi-Salam
g. Housing Investment (purchasing of
Scheme agricultural products
h. Rural Development while in production
Scheme and providing advance
money to the
producers)
8. Istishna (purchasing
of industrial products
while in production
and providing advance
money to the
producers).
9. Quard.
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PBL NBL SCB C NA
1. General Loan 1. Short Term 1. Short Term 1.Short Term Working
Scheme overdraft (One year) Capital Facilities only.
2. Consumer Credit 2. Short Term L/C Overdraft. 2. Short Term Credit
Scheme Facility. 2. Short Term Facilities.
3. Lease Finance 3. Project Financing L/C Facility
4. House Building 4. Consumer Credit 3. Syndicated
Loan & Apartment Scheme Project
Loan Scheme 5. Master Card. Financing
5. Advance against 4. Personal
Shares Loan Scheme
6. Custodial Services
for investors (both
individual &
institutional) investing
in through Stock
exchange
7. One stop services
for payment of utility
bills.
8. Credit card
Source: Primary
Investment mechanism of IBBL differs with other banks. In every step of IBBL investment
has to follow the principle of Islamic Shariah. It mainly operates its investment mechanism
through “buying and selling” concept. In some modes, “profit-loss sharing” principle is
applied. IBBL is the introducer of welfare for banking system in Bangladesh. It has many
welfare-oriented investment schemes. Among them, Transport Investment Scheme (TIS),
House Hold Durables Investment Scheme (HDS) and Rural Development Scheme (RDS) are
the most successful and popular schemes. In addition to its traditional investment schemes
like Short Term Overdraft, Project Financing, NBL has introduced Consumer Credit Scheme
and Master Card system. Investment schemes of PBL are Short Term Financing, Consumer
Credit Scheme & Lease Financing. Recently PBL has introduced its “Credit Card” scheme.
Alongwith Short Term & Project Financing, SCB has introduced Personal Loan Scheme
which covers Household Durable, Marriage Loan etc.
CNA mainly provides short-term working capital facilities to local and foreign corporates.
They also provide short term credit facilities to local banks to confirm LC issued by them.
Almost all of these facilities are short term basis and they also subscribe equities of local
companies through private placements. Equity investment is made through various
subsidiaries of the Citi Group.
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Both NBL & PBL have Merchant Banking Department to operate Capital Market Investment.
4.2.3 Other Services:

Letter of Credit (L/C) Facilities:
A Letter of Credit is a conditional bank undertaking of payment. In other words, Letter of
Credit is a letter from the Importer Banks to the exporters that the bills if drawn as per terms
and conditions are complied with will be honoured on presentation.
All of the selected banks provide this service to their clients. Under the framework of
Uniform Customs and Practice for Documentary Credits (UCPDC), ICC Publication No.-
500, bank opens LC on behalf of its client and the bank earns commission. LC is a vital
instrument for Import/Export business. Without an L/C mechanism no import-export business
will be operated. Import performance of selected banks through LC facilities are as follows:-
TABLE NO.T-4
IMPORT PERFORMANCE OF SAMPLE BANKS
(Fig. in Million Taka)

2001 25907 8519.7 5559.27 471.03
2002 33788 13152.5 5162.51 2674
2003 46237 19260 7698.29 5584
2004 59804 26781 9337.49 10017
2005 74525 41432 12631.6 13114
2006 96870 49596.7 18821.4 18684

2001 13427.6 22071 19552 3364
2002 19564 19245.7 5220 2928
2003 25440.7 19264.5 36408 9049
2004 36747 22028.3 46941 12694
2005 40303 31648.2 56612 15652
2006 52639 42458.5 51930 11452
Source : Banks’ Annual Report & Resume of Financial Institutions of Bangladesh.
In terms of import performance, IBBL is highest compare to other Bank and performance of
from year 2001 to 2006. In year 2001, IBBL import Tk.25907 million, which is 17.38%
higher than its close competitor NBL (Tk.22071 million). If we compare lowest importer
SJIBL, than we find that in year 2001 IBBL import 54 times higher than SJIBL, which
indicate that IBBL is very much strong position in import business. Compare to only Foreign
Bank IBBL import 7.70 times higher than CNA.
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In year 2002, IBBL keep its superior import business bank position compare to other bank.
Compare to 2001, in year 2002 import business of IBBL increase by 7881 million, which
30.42% higher than previous year. On the other hand its close competitor. NBL import
business decrease by 2826 million, which is 12.80% lower than its previous year import. So
in year 2002, IBBL import more than 53.08% to its close competitor NBL. In year 2002,
growth rate import business of SJIBL is 467.73% which is highest among all bank as IBBL
30.42%, EXIM 54.38%, AAB-7.14%, PBL 45.70%, NBL –12.80%, SCB-73.30%, CNA-
12.96%. In the year 2002, as a third generation Bank position since it import business stood
Tk.13152.5 million, which is 391% higher than another third generation Bank. If we compare
EXIM Bank import performance with other bank than we find that in 2002, its import volume
higher than AAB, SJIBL, SCB, CNA. In year 2003, IBBL import position is highest compare
than other bank. In year 2003, IBBL import Tk.46237 million, which is 36.84% higher than
previous year import of IBBL. In year 2003 IBBL import performance is 54.34% higher than
EXIM, 83.35% higher than AAB, 87.92% higher than SJIBL, 44% higher than PBL, 58.33%
higher than NBL 21.25% higher than SCB, 80.42% higher than CNA.
In terms of growth rate SCB is highest compare to other Bank, since growth rate of SCB is
597%, IBBL is 36.84%, EXIM is 46.44%, SJIBL is 108%, PBL is 30%, NBL is .09%, CNA
is 209%. In year 2003, EXIM Bank performance in import business is very significant, since
its import volume is almost same to NBL and higher than AAB, SJIBL, CNA.
In 2004, IBBL manage its superior position in import business compare to other bank,
however its growth rate decrease to 29.34% compare to 36.87% in year 2003. SCB become
close competitor to IBBL. If we compare growth rate than we see that growth rate of SJIBL is
higher than any other Bank, since it earn 79.38% growth rate. In 2005, IBBL manage its
superior position in export business. It’s import business stood Tk.74525 million, which
24.61% higher than previous year import. EXIM Bank growth rate is 54.71%, which is
highest among all bank, follow by NBL 43.67% AAB 35.28%, SJIBL 30.91%, IBBL
24.61%, SCB 20.60%, CNA 28.89%, PBL 9.67%.
In actual terms, IBBL’s import business increase by Tk.14721 million closely followed by
EXIM’s Tk.14651 million, which is great achievement for EXIM Bank, because its import
business increase very rapidly compare to other bank. In actual terms SCB become third, its
import business stood Tk.9671 million followed by NBL’s Tk.9620 million, PBL’s Tk.3556
million AAB’s Tk.3294 million, SJIBL Tk.3097 million, CNA Tk.2968 million.
145
In the year 2006, IBBL maintain its best position compare to other bank. At actual terms
IBBL import business increase by Tk.2245 million compare to previous Tk.10810 million,
EXIM Tk.8164 million, AAB’s Tk.6190 million, SJIBL Tk.5570 million, Import business of
SCB decrease by Tk.4682 million, CNA decrease by Tk.9200 million, which is very
remarkable incident in 2006.
According to growth rate AAB’s stood first, since it achieve 49.00% growth, followed by
42.47%, NBL’s 34.16% PBL 30.61%, IBBL’s 29.98%, EXIM 19.70% SCB and CNA earned
negative growth 8.27% and 26.83% respectively.
In year 2003 is very remarkable since this year all bank earn 66.08% growth rate followed by
32.79% in year 2004, 27.44% in year 2005.
IBBL EXIM AAB

2002
591 3.67% 2646.10 35.56% 629.86 24.95%
2003 5065 30.88% 5036.30 49.92% 1180.75 62.32%
2004 7413 34.10% 7293.80 48.22% 563.82 18.33%
2005 7018 24.07% 8866.60 39.55% 1293.56 35.54%
2006 14964 41.37% 149496 47.78 4209.80 85.34%
SJIBL PBL NBL

2002
547.74 569.02% 1996.90 14.07% 12791.4 256.87%
2003 1111 172.52% 4301 35.28% 1429.4 8%
2004 2485 141.59% 3011 18.26% 763.5 4.67%
2005 2055 48.47% 9380.2 48.10% 4238.8 24.78%
2006 4987 79.22% 12919 44.73% 6675.1 31.27%
SCB CNA
2002
9371 55.34% 1497 130.97%
2003 27451 363.108% 4419 167.39%
2004 23317 66.60% 627 8.88%
2005 18048 30.94 9748 126.82%
2006 1254 3.11% 2974 17%
Back to Back L/C Facilities:
Back to Back L/C is a type of import L/C either in inland or in abroad, which open against
lien on valid export L/C. International transfer of goods are made through the Letter of Credit
which is issued by the foreign bank at the request of importers in favour of exporters. Such
export L/Cs are enrouted through the Local banks by the foreign banks who have the
correspondent relationship.
146
When a bank receives an LC from importer’s banks it is treated as an export L/C. The bank
then advises the LC to its concerned client and extends its cooperation, so that the client can
execute the export order without facing any hindrance. The exporter collects raw materials
through BB L/C opened by the bank. Exporter also receives packing credit facilities to meet
up their current expenses. Thus a bank helps the exporter to execute the order and earn
foreign currency. Export performance of sample banks is furnished below -
TABLE NO.T-5
EXPORT PERFORMANCE OF SAMPLE BANKS

2001 16082 7442.2 2524.63 96.26
2002 16673 10088.3 1894.77 644
2003 21738 15124.6 3075.52 1755
2004 29151 22418.4 3639.34 4240
2005 36169 31285 4932.9 6295
2006 51133 46234.6 9142.7 11282

2001 14186.6 4979.8 16931 1143
2002 12189.7 17771.2 7560 2640
2003 16490.1 16341.8 35011 7059
2004 19501.8 17105.3 58328 7686
2005 28882 21344.1 40280 17434
2006 41801 28019.2 41534 14460
In year 2001, SCB export Tk.16931 million, which is highest among all bank followed by
IBBL’s Tk.16082 million, PBL’s Tk.14186.6 million, EXIM’s Tk.7442.2 million NBL’s
Tk.4979.8 million, AABs 2524.63 million, CNA’s Tk.1143 million, SJIBL Tk.96.26 million.
In year 2002, NBL’s export stood Tk.17771.2 million which is 256.87% higher than its
previous year export. IBBL export Tk.1673 million, which is second among all bank, its
growth rate is only 3.67%. Two bank, experience negative growth rate in 2002, AAB
24.95%, PBL-14.07%. On the other hand SJIBL experienced highest growth rate by
569.02%.
In year 2003, SCB export Tk.35011 million which is highest among all bank followed by
IBBL’s Tk.21738 million, PBL’s Tk.16490.1 million NBL’s Tk.16341.8 million, EXIM’s
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Tk.15124.6 million CNA’s Tk.7059 million. If we see growth rate, we find that SCB
experience highest growth rate.
Bank Name Growth rate

SCB - 363.108%
SJIBL - 172.52%
CNA - 167.39%
AAB - 62.32%
EXIM - 49.92%
PBL - 35.28%
IBBL - 30.38%
NBL - (-8%)
2004:

SJIBL - 141.59%
SCB - 66.59%
EXIM - 48.22%
IBBL - 34.10%
PBL - 28.26%
AAB - 18%
CNA - 8.88%
NBL - 4.67%
Bank Name Total rate

SCB - 58328
IBBL - 29151
EXIM - 22418
PBL - 19501
NBL - 17105
CNA - 7686
SJIBL - 4240
AAB - 3639
Bank Name Actual Growth

SCB - 23317
IBBL - 7413
EXIM - 7293.8
PBL - 3011.7
SJIBL - 2485
NBL - 627
CNA - 7686
AAB - 563.82
In year 2004, IBBL import Tk.29151 million, which is second among all bank. Its import
increased by 7413, which is also second among all bank and this bank experience 34.01%,
148
which is 4th among all bank. EXIM import Tk.22428.4 million and its import increased by
Tk.7293.8 million and it experience 48.22% growth in all consideration this bank ranked 3rd.
AAB export stood Tk.3639.34 million, and this increased by 563.82, which is 28% above in
its previous year. In year 2004, SJIBL experience highest growth, which is 141.59% and this
year this bank import Tk.4240.00 million, which is increase by 2485 million. PBL’s export
stood Tk.19501.8 in year 2004. This bank export increased by 28.26 than its previous year. In
terms of total export in year 2004, NBL follow PBL, its total export stood Tk.17105.3 million
which is Tk.763.5 million above than its previous year export. This bank experience only
4.67% growth, which is least among all bank.
In year 2004, export performance of SCB is best among all bank. This year SCB export
Tk.58328 million, which is Tk.23317 million higher than its previous year. This year the
bank experience 66.59% growth rate. In real terms this bank is most growing bank in year
2004. CNA’s export stood only 7686 million in year 2004, which is 8.88% higher than
previous year.
Bank Name Total export in 2005 Bank Name Actual growth in 2005
SCB 40280 CNA 9748
IBBL 36169 PBL 9380
EXIM 31285 EXIM 8866.6
PBL 28882 IBBL 7018
NBL 21344 NBL 4238.8
CNA 17434 SJIBL 2055
SJIBL 6295 AAB 1293.56
AAB 4932.9 SCB 18048

CNA 127%
PBL 48%
SJIBL 48%
EXIM 40%
AAB 30%
NBL 25%
IBBL 24%
SCB -31%
In year 2005, SCB export Tk.40280 million, which is highest among all bank. If export
decrease by Tk.18048 million that is 31% less than if previous year export. IBBL export
stood Tk.36169 million, which is second among all bank. Its export increase by Tk.7018
million, which is 24% higher than its previous year export. EXIM bank export growing is
more constant. Its export stood Tk.31285 million, which 40% higher than its previous year
export. Actual increase is Tk.8866.60 million in year 2005. PBL export in year in 2005
become Tk.28882 million, which is increase by 48%. Actual increase in export in year 2005
149
is Tk.9380 million. NBL export in year 2005 in Tk.21344 million, which is 25% higher than
its previous year export. CNA experience highest growth rate in year 2005 among all bank.
Its rate is 127%. Its actual growth of Tk.9748 million, which increase total export of
Tk.17434 million, SJIBL. Total export in year 2005 is Tk.6295 million which is Tk.2005
million from its previous year export growth rate of the bank is 48%, which third among all
growth rate.
Total export of AAB in year 2005 stood Tk.4932.9 million, which is Tk.1293.56 million
higher that its previous year export. Growth rate of export business of AAB in year 2005 is
36%. In year 2005, all bank except SCB experience growth in export business, through SCB
export become highest in all bank.
Bank Name Total export in 2006 Bank Name Growth (Actual)

IBBL 51133 IBBL 14964
EXIM 46234.6 EXIM 14949
PBL 41801 PBL 12919
SCB 41534 NBL 6673.1
NBL 28019 SJIBL 4987
CNA 14460 SJIBL 4209.80
SJIBL 91427 AAB 1254
AAB 9142.7 CNA 2974

AAB 85%
SJIBL 79%
EXIM 48%
PBL 45%
IBBL 41%
NBL 31%
SCB 3%
CNA 17%
Total export of all bank 2006:
150
Year Total export Growth rate
2001 63385.59 -
2002 69460.97 10%
2003 116595.02 68%
2004 162069.84 39%
2005 186622 15%
2006 243606.5 31%
From the above table we find that export of all bank increase in every year. However, in year
2003, all bank export grow by 68% followed by 39% in year 2004, 31% in year 2006, and
15% in year 2005, and minimum growth rate area in year 2002 which is only 10%.
Remittance:
Money Transfer Facility is one of the most important services of a modern bank. People
serving abroad who send money to their accounts through banks channel by TT, MT, PO and
DD. Thus, banks collect huge quantity of foreign currency for the country. Remittance
performance of selected banks is as follows -
TABLE NO.T-6
REMITTANCE PERFORMANCE OF SAMPLE BANKS

2001 9879 402.8 - -
2002 14670 277.6 - 1
2003 16668 235 - 15
2004 23669 113.1 - 67
2005 36948 223 - 690
2006 53819 343.8 - 3535

2001 3.4 22071 11395 12480
2002 1252 6458.1 27536 14960
2003 3063 7637.5 57968 11573
2004 2140 9035.5 78967 18974
2005 3688 13618.2 86544 12462
2006 15050 21311.1 46440 11796
151
Year 2001
Bank Name Total remittance (From Actual Growth Growth rate

highest to lent)
NBL 22071
CNA 12480
SCB 11395
IBBL 9879
EXIM 402.8
PBL 3.4
(Note : 1. AAB and SJIBL is exclude from the table, since they have no remittance
performance in 2001.
2. There is no date of the year 2000, so find out actual growth and growth rate is not
possible)
In year 2001, NBL total remittance stood Tk.22071 million, which is highest among all bank.
CNA remittance business become Tk.12480 million, which is second among all bank
followed by SCB Tk.11395 million, IBBL remittance business in year in Tk.9879 million,
which is 4th among all bank. Another two bank perform remittance, however their transaction
is not notable.
Year 2002
Bank Name Total remittance (From Actual Growth Growth rate

highest to lent)
SCB 27536 16141 71%
CNA 14960 2480 20%
IBBL 14670 4791 48%
NBL 6458.1 -15612.90 -71%
PBL 1252 1248.60 36724%
EXIM 277.6 125.20 -31%
SJIBL 1 - -
In year 2002, SCB total remittance business become Tk.27536 million, which is highest
among all bank. Its remittance business increase by Tk.16141 million, which is 71% higher
than its previous year remittance business. CNA follow SCB, its remittance business in year
2002, Tk.14960 million, which 20% higher than its previous year remittance business. IBBL
remittance business becomes Tk.14670 million in year 2002, which is 3rd among all bank.
This bank experience 48% growth on its remittance business. NBL experience negative
growth in 2002, its total remittance business stood Tk.6458.1 million which is 70% lower
than its previous year. PBL remittance becomes Tk.1252 million, which is 36724% higher
than its previous year remittance.
152
Year 2003
Bank Name Total remittance Actual Growth Growth rate

SCB 57968 30432 111%
IBBL 16668 1998 14%
CNA 11573 -3387 -23%
NBL 76375 1179.4 18%
PBL 3063 2811 145%
EXIM 235 -42.60 -15%
SJIBL 15 14 1400%
In year 2003, SCB total remittance business stood Tk.57968 million, which is 111% higher
than its previous year remittance business. Its remittance business is 3.47 times higher than its
close competitor IBBL remittance business IBBL remittance also experience grow with a rate
of 14% which stood Tk. 16668 million CNA remittance business become down to Tk.11573
million, which is 23% lower its previous year remittance business. NBL keep its 4th position
according to total remittance business. Its total remittance stood Tk.7637.5, which is 18%
higher than its previous year remittance. PBL remittance business stood Tk.3063 million,
which is 145% higher than its previous year remittance. EXIM Bank experience negative
growth rate of 15%. On the other hand SJIBL Bank earn a growth rate of 1400% however its
total remittance stood only Tk.15 million.
Year 2004
Bank Name Total remittance business Actual Growth Growth rate

SCB 78967 20999 36%
IBBL 23669 7001 42%
CNA 18974 7401 64%
NBL 9035.5 1398 18%
PBL 2140 -923 -43%
EXIM 113.1 -121.90 -52%
SJIBL 67 52 347%
In year 2004, SCB is highest remittance earning bank. Its remittance business stood Tk.78967
million, which is 36% higher than its previous year remittance performance. IBBL follow
SCB remittance Tk.23669 million, which is 42% higher than its previous year remittance
performance. CNA earn highest growth rate in year 2004, which is 64% higher than its
previous year remittance performance. Its actual remittance business become Tk.18974
million. NBL remittance business becomes Tk.9035.5 million, which is 18% higher than its
previous year remittance business. PBL and EXIM Bank experience negative growth rate,
153
which is 43% and 52% respectively. Though SJIBL total remittance business is leant among
all bank not its, growth rate is above all, which is 347%.
Year 2005
Bank Name Total remittance business Actual Growth Growth rate

SCB 86544 7577 10%
IBBL 36948 13279 56%
NBL 13618.2 4582.70 51%
CNA 12462 -6512 -34%
PBL 3688 1548 72%
SJIBL 690 623 929.85%
EXIM 223 109.9 97%
SCB, manage its superior position in remittance business in year 2005 also its total
remittance stood Tk.86544 million, which is 10% higher than its previous year remittance
business and 134.23 higher than its close competitor IBBL. IBBL total remittance become
Tk.36948 million, which is 56% higher than its previous year remittance business. NBL
remittance business of the year 2005 is also very significant, because its develop its ranking
at 3rd from 9th among all bank. Total business of NBL stood Tk.136.8 million, which is 51%
hither than its previous year business performance. The only bank, CNA experience negative
growth rate in year 2005, which is 34%. PBL remittance stood Tk.3688 million which is 72%
higher than its previous year remittance business. SJIBL earn highest growth rate in year
2004, which is 929%.
Year 2006
Bank Name Total remittance Growth of remittance Growth rate

IBBL 53819 16871 46%
SCB 46440 40104 -46%
NBL 21311.1 7692.90 56%
PBL 15050 11362 308%
CNA 11796 -666 -05%
EXIM 3535 2845 412%
SJIBL 343.8 120.8 54%
In year 2006, IBBL total remittance becomes Tk.53819 million, which is highest among all
bank. This bank achieved 46% growth rate in year 2006. IBBL remittance is very notable,
since this year domestic bank become superior position over foreign bank. SCB experience a
negative growth rate in remittance business in year 2006, which is 46% two domestic bank
154
NBL and PBL remittance ranked 3rd and 9th position among all bank. Growth rate of NBL an
PBL is 56% and 308% respectively. Another foreign bank CNA also earn negative growth
rate of 5%. On the other hand, another domestic bank SJIBL earn highest growth rate but its
overall remittance position not notable at all.
Year Total remittance Growth rate

2001 56231.2
2002 65154.7 15.87%
2003 97159.50 49.12%
2004 132965.5 36.85%
2005 154173.2 15.95%
2006 152294.9 -1%
If we see the total growth rate, we find that in year 2003 all bank experience highest growth
rate of 49.12% followed by year 36.85% in year 2004, 15.95% in year 2005 and 15.87% in
year 2002. However we find downtrend in year 2006.
To handle foreign exchange remittance business effectively and efficiently, the bank has over
the years, developed a wide network of correspondents throughout the whole world.
Bank Guarantee (BG):
Basing upon the business relation between a bank and a client, a bank gives a BG to its client
so that he can avail himself of any financial opportunity from other organizations. All of the
selected banks provide this facility with their respective clients.
Locker System
Locker System is also available in the selected banks. Clients can keep their valuable
possessions under banks’ safe custody in exchange of some fees.
155
4.2.3 Deposit and Investment Performance
Deposit Performance
Following table shows the deposit figures of sample banks.
TABLE NO.T-7
DEPOSIT PERFORMANCE OF SAMPLE BANKS

2001 41547.29 7389.54 7879.18 1398.3
2002 55461.62 9945.23 7163 3302.15
2003 69941.79 15242.97 8643.27 6039
2004 87841.01 19078.18 10108.28 9092
2005 107779.4 28319.21 11643.66 12205
2006 132419.4 35032.02 16775.33 18091

2001 13259.87 24896.64 16344.92 4495
2002 16481.6 26276.26 32570.52 7101
2003 20483.23 27762.12 45467.74 7854.77
2004 28069.24 28973.39 49089.94 7222.55
2005 36022.46 32984.05 57032.42 14039.6
2006 54724 40350.87 64131.72 21056.94
156
Deposit –2001:
Year Name of Bank Total deposit

2001 IBBL 41547.29
NBL 24896.64
SCB 16344.92
PBL 13259.87
AAB 7879.18
EXIM 7389.54
CNA 4495.00
SJIBL 1398.30
In year 2001 IBBL’s total deposit stood Tk.41547.29 million, which is highest all sample
bank. NBL follow IBBL, its total deposit become Tk.24896.64 million, which is second
among all sample bank. SCB and PBL total deposit stood Tk.16344.92 million and
Tk.13259.87 million respectively, which ranked 3rd and 4th. AAB’s total deposit in year 2001
is Tk.7879.18 million, which is ranked 5th among all sample bank. As a new comer in the
banking industry, performance of EXIM Bank deposit performance is very significant,
through its position among all bank is 6th.
Bank Total deposit Bank Growth rate

IBBL 55461.62 SJIBL 136.15%
SCB 32570.52 SCB 99.27%
NBL 26276.26 CNA 57.97%
PBL 16481.60 EXIM 34.59%
EXIM 9945.23 IBBL 33.49%
AAB 7163 PBL 24.30%
CNA 7101 NBL 5.54%
SJIBL 3302.15 AAB -9.09%
IBBL total deposit in year 2002 become Tk.55461.62 million, which is 33.49% higher than
its previous year deposit. Its position is top among all bank in terms of deposit collection.
Among all bank SCB position is 2nd in terms of deposit and growth rate. Its total deposit
become Tk.32570.52 million, which is 99.27% higher than its previous year deposit. Total
deposit of NBL in the year 2002 become Tk.26276.26 million, which is 3rd among all sample
bank. This bank experience only 5.54% growth rate. PBL’s total deposit in year 2002 each
Tk.16481.6 million, which is 24.30% higher than its previous year total deposit. Position of
EXIM bank in terms of total deposit become 5th. However its growth rate position is third
among all sample bank. AAB total deposit stood Tk.7163 million, which is 6 th among all
sample bank, however only this bank suffer negative growth rate of 9.09%. CNA total
deposit is only Tk.7101 million through its growth become 57.09%.
157
Year 2003:
IBBL 69941.79 SJIBL 82.80%
SCB 45467.74 EXIM 53.27%
NBL 27762.12 SCB 39.60%
PBL 20483.23 IBBL 26.11%
EXIM 15242.97 PBL 24.27%
AAB 8643.27 AAB 20.66%
CNA 7854.77 CNA 10.60%
SJIBL 6039 NBL 5.65%
IBBL manage its superior position above all sample banks in terms of total deposit. Its total
deposit become Tk.69941.79 million, which is 26.11% higher than its previous year deposit
position of SCB is second compare to all sample bank in terms of total deposit, this bank earn
39.60%, which is 3rd among all sample bank. NBL’s total deposit of the year 2003 stood
Tk.27762.12 million, which is only 5.65% higher than its previous year. PBL’s total deposit
reached Tk.20483.23 million, which is 24.27% higher than its previous year deposit. EXIM’s
deposit reached Tk.15242.97 million, which is 20.60% higher than its previous year deposit.
CNA follow AAB, its total deposit reached Tk.7854.77 million, which is 106% higher its
previous year deposit. On the other hand, SJIBL deposit reached at Tk.6039 million, which is
least among all sample bank, but its growth rate is highest among all bank.
Year 2004:
IBBL 87841.01 SJIBL 50.55%
SCB 49089.94 PBL 37.03%
NBL 28973.39 IBBL 25.59%
PBL 28069.24 EXIM 26.16%
EXIM 19078.18 AAB 10.75%
AAB 10108.28 SCB 7.97%
SJIBL 90.92 NBL 4.36%
CNA 7222.55 CNA -8%
IBBL’s total deposit reached Tk.87841.01 million, which is highest among all banks and it
earned 25.59% growth over its last year deposit. SCB follow IBBL in terms of total deposit,
its total deposit reached at Tk.49089.44 million, which second highest among all sample
bank, which is 7.97% higher than its previous year deposit. NBL’s earn 3 rd position in terms
of total deposit collection, its total deposit in year 2004 was Tk.28973.39 million which is
4.36% higher than its previous year deposit collection. PBL total deposit reached
Tk.28069.24 million, which is 37.03% higher than its previous year deposit collection. It earn
158
5th position on overall deposit collection and 4th on growth rate. Total deposit of SJIBL
become Tk.9092 million, however, constantly this bank earn highest growth among all
sample bank. Its growth rate in year 2004 is 50.55%. CNA experience negative growth rate in
year 2004, which is -8%.
Year 2005:
IBBL 107779.40 CNA 94.39%
SCB 57032.42 EXIM 48.43%
PBL 36022.46 SJIBL 34.23%
NBL 32984.05 PBL 28.83%
EXIM 28319.21 IBBL 22.69%
CNA 14039.6 SCB 16.17%
SJIBL 122.05 AAB 15.18%
AAB 11643.66 NBL 13.84%
IBBL total deposit reached Tk.107779.40 million, which is highest among all bank. Its total
deposit is 22.69% highest than its previous year deposit and 1.89 times higher than its close
competitors SCB deposit. SCB’s total deposit reached Tk.57032.32 million, which is 16.17%
higher than its previous year deposit. PBL total deposit reached Tk.36022.46 million which is
3rd among all sample bank and 28.33% higher than its previous year deposit. NBL follow
PLB in terms of total deposit collection, its total deposit reached Tk.32984.03 million, which
is 13.84%, higher than its previous year deposit growth rate on year 2005, which is 94.39%.
Its total deposit reached Tk.12203 million, which is 34.23% higher than its previous year
deposit. Total deposit of AAB become Tk.16643.66, which is 15.28% higher than 2004.
Year 2006:
IBBL 132419.40 PBL 51.92%
SCB 64131.72 CNA 49.98%
PBL 54724 SJIBL 48.23%
NBL 40350.87 AAB 44.87%
EXIM 35032.02 EXIM 23.70%
CNA 21056.94 IBBL 22.80%
SJIBL 180910 NBL 22.32%
AAB 16775.33 SCB 12.45%
In year 2006, IBBL total deposit reach Tk.132419.40 million, which is highest among sample
banks. Its total deposit increase by Tk.22.80% million, and almost 2.06 times higher than its
close competitor SCB. SCB total deposit reached at Tk.64131.72 million, which is higher
than all sample bank except IBBL. Its deposit grow by 12.45% PBL’s total deposit become
Tk.51.92% higher than its previous year deposit. NBL total deposit becomes Tk.40350.87
159
million, which is 22.32% higher than its previous year deposit. EXIM’s total deposit reached
at Tk.35032.02 million, which is 23.70 higher than its deposit of year 2005. Its position
reached 5th among all sample bank. CNA’s total deposit reached Tk.21056.94 million, which
is 49.98% higher than its previous year deposit. SJIBL total deposit reach Tk.18091 million
for the year 2006, which is 48.23% higher than its previous year deposit collection. AAB’s
deposit is least among all sample bank, however its growth rate is 44.07%.
Year Total deposit Growth rate

2001 117210.72 -
2002 158301.38 35.05%
2003 201434.89 27.245
2004 239474.59 28.89%
2005 300025.80 25.28%
2006 382581.28 27.52%
In year 2002, deposit of all sample bank increased by 30.05% which is highest compare to
other year growth rate. In year 2003, growth rate is 27.24%, which 3rd highest rate compare to
other year. In year 2004 growth rate of all bank deposit is only 18.89%, which is lowest
compare to all bank. Growth rate of year 2005 and 2006 is 25.28% and 27.52% respectively.
Graphical representation of Deposit Performance is as follows –
C- 6 : Deposits of Sample Banks
140000
120000
IBBL
100000 EXIM
Tk. in Million
AAB
80000
SBL
PBL
60000
NBL
40000 SCB
C NA
20000
0
2001 2002 2003 2004 2005 2006
Year
160
Investment Performance:
TABLE NO.T-8
INVESTMENT PERFORMANCE OF SAMPLE BANKS

2001 35237.76 5131.55 5079.21 216.56
2002 46280.61 7954.56 6403.6 1999.97
2003 59007.49 12289.12 7571.54 4269
2004 75858.56 19332.44 8150.16 7149
2005 93644.15 26046.34 11474.41 10590
2006 113575.1 32641.27 17423.19 15516

2001 9074.94 20200.64 15731.08 2833
2002 12686.85 21677.96 29527.95 4680
2003 16492.22 22257.15 39239.42 5827.7
2004 23219.67 23129.65 38131.73 6558.77
2005 31916.11 27020.21 40488.65 7302.21
2006 45010 32709.68 47373.1 9543.51
161
Graphical representation of investment performance is as follows:
C - 7 : Investment of Sample Banks
120000
100000 IBBL
EXIM
80000
Tk. in Million
AAB
SBL
60000
PBL
40000 NBL
SCB
20000 C NA
0
2001 2002 2003 2004 2005 2006
Year
Bank Name Total investment

IBBL 35237.76
NBL 20200.64
SCB 15731.08
PBL 9074.94
EXIM 5131.55
AAB 5079.21
CNA 2833.00
SJIBL 216.56
In year 2001, IBBL’s total investment was Tk.35237.76 million which is highest among all
sample bank, which is 1.74 times higher than its close competitor NBL. NBL’s total
investment 20200.64 million, which is second among all sample bank. SCB follow NBL in
terms of total investment in year 2001. Total investment of SCB was Tk.15731.68 million in
year 2001. PBL’s ranked 4th with 9074.94 million. EXIM’s follows PBL with Tk.5131.55
million. CNA investment has Tk.2833 million, which is 7th among all sample bank. SJIBL
investment was only Tk.216.56 million.
162
Bank Name Total Investment Bank Name Growth rate in 2002
IBBL 46280.61 SJIBL 823.52%
SCB 29527.95 SCB 87.70%
NBL 21677.96 CNA 65.12%
PBL 12686.85 EXIM 55%
EXIM 7954.56 PBL 39.80%
AAB 6406.60 IBBL 31.33%
CNA 4680.00 AAB 26.07%
SJIBL 1999.97 NBL 7.31%
IBBL maintain its superior position in year 2002 above all bank. Its total investment was
Tk.46280.61 million, which is 31.33% higher than its previous year investment. SCB’s total
higher than its previous year investment. NBL follow SCB its total investment was 21677.96
million, which is 7.31% higher than its previous year investment. EXIM total investment was
Tk.7954.56 million, which is 55% higher than its previous year total investment. AAB’s total
investment was Tk.6403.60 million, which is 26.07% higher than its previous year
investment. CNA’s total investment was Tk.4680 million, which is 65.19% higher than its
previous year investment. SJIBL earn highest growth among all bank. Its growth rate reached
Tk.823.52 million.

IBBL 59007.49 SJIBL 113.45%
SCB 39239.42 EXIM 54.50%
NBL 22257.15 SCB 32.89%
PBL 16492.22 PBL 30%
EXIM 12289.12 IBBL 27.50%
AAB 7571.54 CNA 24.52%
CNA 5827.70 AAB 18.24%
SJIBL 4269.00 NBL 2.67%
IBBL manage its top position, complete to other bank in terms of total investment. Its total
investment reached Tk.59007.49 million, which is 27.50% higher than its previous year total
investment. SCB’s total investment was Tk. 39239.42 million, which is 32.89% higher than
its total investment in year 2002. NBL’s total investment was Tk.22257.15 million, which is
only 2.67% higher than its total investment in year 2002. EXIM’s total investment was stood
Tk.12289.12 million, which is 54.50% higher than its previous year investment. AAB’s total
investment becomes Tk.7571.54 million, which is 18.24 higher than its previous year
163
performance. CNA’s total investment becomes Tk.5827.70 million, which is 24.52% higher
than its investment in 2002. SJIBL earn highest growth rate in year 2005, which is 113.45%.

IBBL 75858.56 SJIBL 67.46%
SCB 38131.73 EXIM 57.31%
PBL 23219.67 PBL 40.79%
NBL 23129.65 IBBL 28.55%
EXIM 19332.44 CNA 12.54%
AAB 8150.16 AAB 7.64%
SJIBL 7149.00 NBL 3.92%
CNA 6558.00 SCB -2.82%
In terms of total investment IBBL’s position is top among all sample bank. Its total
investment stood Tk.75858.56 million, which is 28.55% higher than its previous year
investment. SCB’s position is second among all banks. Its total investment reached
Tk.38131.73 million, which is 2.82% higher than its previous year investment performance.
PBL slightly become third, compare to all bank. Its total investment reached Tk.23219.67
million, which is 40.79% higher than its previous year investment. NBL’s investment just
follow PBL’s investment in this year. EXIM’s total investment becomes Tk.19332.44
million, which is 57.31% higher than its previous year investment business. AAB’s total
investment becomes Tk.8150.16 million, which is 7.64% higher than its previous year
business. SJIBL experience highest growth rate, which is 64.46%, its total investment stood
Tk.6558.00 million, which is 12.54% higher than its investment in 2003.

IBBL 93644.15 SJIBL 48.13%
SCB 40488.65 AAB 40.78%
PBL 31916.11 PBL 37.45%
NBL 27020.21 EXIM 34.73%
EXIM 26046.34 IBBL 23.44%
AAB 11474.41 NBL 16.82%
SJIBL 10590.00 CNA 11.39%
CNA 7302.21 SCB 6.18%
IBBL total investment in year 2005 becomes Tk.93644.15 million, which is 23.44% higher
than investment in 2004. SCB’s position is second as per total disbursement. Its total
investment. PBL’s total investment becomes Tk.31916.11 million, which is 37.45% higher
than its investment in 2004. NBL’s total investment in year 2005 was 27020.21 million,
which is 16.82% higher than its previous year. EXIM’s total investment reached at
164
Tk.26046.34 million, which is 37.45% higher than its previous year investment Tk.19332.44
million, which is 40.78% higher than its previous year investment business. SJIBL’s total
investment reached Tk.10590.00 million, which is 48.13% higher than its previous year
investment business. CNA’s total investment become only 7302.21 million, which is last
among all sample bank and it is only 11.39% higher than its previous year investment.

IBBL 113575.10 AAB 51.84%
SCB 47373.10 SJIBL 46.52%
PBL 45010 PBL 41.02%
NBL 32709.68 CNA 30.69%
EXIM 32641.27 EXIM 25.32%
AAB 17423.19 IBBL 21.28%
SJIBL 15516.00 NBL 21.05%
CNA 9543.51 SCB 17%
Investment performance of IBBL is outstanding, since its total investment business reached
Tk.113575.10 million, which is 2.39% higher than its close competitor SCB. SCB’s total
investment reached Tk.47373.10 million which is second highest among all sample bank and
17% higher than its previous year investment. PBL’s total investment reached at Tk.45010
million, which is 41.02% higher than its previous year investment. NBL’s total investment
increase by 21.05%, which stand Tk.52709.68 million. EXIM’s total investment reached at
Tk.32641.27 million, which is 25.32% higher than year 2005 investment. AAB’s total
investment also increased by 51.84%, which is now stand Tk.17423.19 million. SJIBL’s total
investment.
The graph shows the competitive position among sample banks on the basis of their
investment performance. In 1994, NBL was in the first position. IBBL’s position was much
better in both 1996 & 1997. Again in 1998, NBL reached over IBBL.
165
4.3 Branch and Manpower Expansion of Sample Banks
4.3.1 Branch Expansion:
Number of branches of sample banks 2001 through 2006 is shown below:
TABLE NO.T-9
NUMBER OF BRANCHES OF SAMPLE BANKS

2001 121 10 40 2
2002 128 16 40 8
2003 141 19 40 10
2004 151 24 40 12
2005 169 28 41 16
2006 176 30 46 21

2001 26 75 13 2
2002 27 76 13 2
2003 30 76 18 3
2004 36 76 18 3
2005 41 76 25 3
2006 50 91 26 3
166
Graphical Representation of Number of Branches is as follows -
C - 8 : Number of Branches
200
180
160 IBBL
Number of Branches
140 EXIM
AAB
120
SBL
100
PBL
80
NBL
60
SCB
40 C NA
20
0
2001 2002 2003 2004 2005 2006
Year
IBBL’s total branch stood 121 in year 2001, however, its total branch become 176 in year
2006, which means its branch increases by 45.45% from year 2001 to year 2006. EXIM’s
total branch in year 2001 is only 10, but its branch becomes 30 in year 2006, which is
increase by 200%. AAB increase by 6 only in 06 year, which is show that its branch
expansion is very slow. SJIBL total branch in year 2001 become 21, which is increase by 19
branch. Prime Bank total branch stood 50 in year 2006, which is 92.30% higher than its
branch in year 2001. NBL’s total branch in year 2006 becomes 91, which is 21.33% higher
than its branch in year 2001. SCB branch also increase by 100% from year 2001 to year
2006.
167
4.3.2 Deposit Per Branch:
A table showing deposit per branch of sample banks is given below –
TABLE NO.T-10
DEPOSIT PER BRANCH

2001 343.37 738.954 196.9795 699.15
2002 433.29 621.5769 179.075 412.7688
2003 496.04 802.2616 216.0818 603.9
2004 581.73 794.9242 252.707 757.6667
2005 637.75 1011.4 283.9917 762.8125
2006 752.38 1167.734 364.6811 861.4762

2001 509.995 331.9552 1257.302 2247.5
2002 610.4296 345.7403 2505.425 3550.625
2003 682.7743 365.2911 2525.986 2618.257
2004 779.7011 381.2288 2727.219 2407.517
2005 878.5966 434.0007 2281.297 4679.867
2006 1094.48 443.4162 2466.605 7018.98
Bank Name Deposit per branch in

Million Taka
CNA 2247.50
SCB 1257.302
EXIM 738.954
SJIBL 699.15
PBL 509995.00
IBBL 343.37
NBL 331.9552
AAB 196.9795
Accordingly to per branch deposit CNA position is superior compare to other bank. CNA per
branch deposit in 2001 was Tk.2247.50 million, followed by SCB Tk.1257.302 million.
Among the Bangladesh Bank EXIM’s per branch deposit is higher than any other bank.
EXIM per branch deposit was Tk.738.954 million, followed by SJIBL’s Tk.699.15 million.
168
Prime Bank per branch deposit was Tk.509.995 million followed by IBBL’s Tk.343.37
million. NBL’s per branch deposit was 331.9552 million followed by Tk.196.9795 million.
Year 2002:
Bank Name Deposit per Bank Name Growth rate

branch
CNA 3550.625 SCB 118.047%
SCB 2505.425 CNA 57.98%
EXIM 621.5769 IBBL 26.19%
PBL 610.4296 PBL 19.69%
IBBL 433.29 NBL 4.15%
SJIBL 412.7688 AAB -9.09%
NBL 345.7403 EXIM -15.88%
AAB 179.075 SJIBL 40.96%
As per deposit per branch CNA is top among sample bank. Its per branch deposit is
Tk.3556.625 million, which is 57.98% higher than its previous year deposit performance.
SCB follow CNA in terms of deposit per branch. Its deposit per branch was Tk.2503.425
million, which is 118% higher than its previous year deposit. EXIM per branch deposit was
Tk.621.57 million, which is third among all bank. However, EXIM experience decline of
deposit by 15.88% this year. PBL’s deposit per branch increase by 19.69%, which is stand
Tk.610.43 million. IBBL deposit per branch was Tk.933.29 million, followed by SJIBL
Tk.412.77 million. NBL’s Tk.345.74 million and AAB’s Tk.179.07 million.
Year 2003:

branch
CNA 2618.26 SJIBL 46.31%
SCB 252599 EXIM 29.07%
EXIM 802.26 AAB 20.67%
PBL 682.77 IBBL 14.48%
IBBL 603.90 PBL 11.85%
SJIBL 426.04 NBL 5.65%
NBL 365.29 SCB .82%
AAB 216.08 CNA -26.26%
Per branch deposit of CNA to Tk.2618.26 million, which is 26.26% lower than its previous
year per branch deposit. SCB follow CNA in terms of deposit per branch. Its deposit per
branch reached Tk.2525.99 million, which is only 0.82% higher than previous year deposit
per branch. EXIM’s deposit per branch was Tk.802.26 million, which is 29.07% higher than
pervious year deposit. PBL follow EXIM bank in terms deposit per branch. Its deposit per
branch reached Tk.682.77 million, which is growing this year by 11.85%. Growth rate of
deposit per branch of SJIBL is highest among all sample bank. Its deposit per branch was
169
Tk.603.90 million, which is 46.31% higher than previous year deposit per branch. NBL’s
deposit per branch was Tk.365.29 million, which is 5.65% higher than previous year. AAB’s
deposit per bank only Tk.216.08 million, which is 20.67% higher than its previous year
deposit per branch.
Year 2004:

branch
CNA 2727.22 SJIBL 25.46%
SCB 2407.52 IBBL 17.27%
EXIM 794.92 AAB 16.95%
PBL 779.40 PBL 14.15%
IBBL 757.67 NBL 4.36%
SJIBL 581.73 CNA 4.16%
NBL 381.23 EXIM .92%
AAB 252.71 SCB -4.69%
SCB’s total deposit per branch reached Tk.2727.22 million, which is 4.69% lower than its
previous year deposit per branch . CNA follows SCB in terms of deposit per branch. Its
deposit per branch was Tk.2407.52 million, which is 4.16% higher than its deposit previous
year. EXIM’s deposit per branch become Tk.794.92 million, which is 92% lower than the
previous year deposit. PBL total deposit per branch was Tk.779.4 million, which is 14.15%
higher than its deposit per branch of year 2003. SJIBL’s deposit per branch becomes
Tk.757.67 million, which is 25.46% higher than previous year deposit per branch. IBBL’s
deposit per branch Tk.581.73 million, which is 17.27% million higher than previous year
performance. NBL’s deposit per branch was Tk.383.23 million which grow by 4.36%. ABB
position in terms of deposit per branch was Tk.252.71 million, which is grow by 16.95%.
Year 2005:

branch
CNA 4679.87 CNA 71.06%
SCB 2281.30 EXIM 27.23%
EXIM 1011.4 NBL 13.84%
PBL 878.59 PBL 12.73%
IBBL 762.81 AAB 12.38%
SJIBL 637.95 IBBL 9.63%
NBL 434.00 SJIBL .68%
AAB 283.99 SCB -5.24%
CNA’s deposit per branch was Tk.4679.87 million followed by SCB Tk.2281.30 million.
Their position among all sample bank are 1st and 2nd respectively. EXIM’s deposit per branch
was Tk.1011.4 million, which was increase by 27.237. Its growth rate is second among all
sample bank. PBL’s deposit per branch was Tk.878.59 million, which was Tk.12.73 million,
170
higher than its previous year deposit. SJIBL’s deposit per branch increase very slowly
compare its previous year growth. IBBL’s deposit per branch of the year was Tk.637.75
million, which was 9.63% higher than its previous year deposit. NBL and AAB follow IBBL
their deposit per branch was Tk.434 million and Tk.283.99 million respectively.
Year 2006:
Bank Name Deposit per branch Bank Name Growth rate

CNA 7018.98 CNA 49.98%
SCB 2466.61 AAB 28.41%
EXIM 1164.73 PBL 24.57%
PBL 1094.48 IBBL 17.97%
SJIBL 861.48 EXIM 15.46%
IBBL 752.38 SJIBL 12.94%
NBL 443.42 SCB 8.12%
AAB 364.68 NBL 2.17%
CNA performance was outstanding in this year. This bank show its superior position both in
real terms and growth rate over all sample bank under consideration. SCB follow CNA in
terms of deposit per branch, however its growth rate is only 8.12%. EXIM keep its superior
position among all Bangladeshi bank in terms of deposit per branch. PBL follow EXIM bank
in deposit per branch consideration. Its deposit also increase by 24.57%. Deposit of SJIBL
increase by 12.94% this year though the bank suffer negative growth in year 2005. IBBL
deposit per branch also increase by 17.94%. This year followed by NBL 2.17% and 28.41%
of AAB.
Deposit per branch of NBL was Tk.263.11 million in 1998 and Tk.235.66 million in 1997.
PBL started its operation in 1995 with 5 branches having an average deposit of Tk.310.87
million per branch. The average rose to Tk.314.48 million in 1996. It dropped to Tk.302.58
million in the following year. In 1998, the average was Tk.295.18 million which was Tk.7.40
million less than that of previous year. In 1998, average deposit per branch of SCB was
Tk.2114.20 million which was Tk.274.70 million more than that of previous year. CNA
started with an average deposit of Tk.484 million in 1995. It raised its deposit per branch to
Tk.1513 million in 1998.
171
Histogram of Deposit per Branch is as follows –
C - 9 : Deposit Per Branch
8000.00
7000.00
IBBL
6000.00 EXIM
Tk. in Million
5000.00 AAB
SBL
4000.00
PBL
3000.00 NBL
2000.00 SCB
C NA
1000.00
0.00
2001 2002 2003 2004 2005 2006
Year
172
4.3.3 Investment Per Branch:
A table showing investment per branch of sample banks is given below:
TABLE NO.T-11
INVESTMENT PER BRANCH

2001 291.22 513.155 126.9803 108.28
2002 361.57 497.16 160.09 249.9963
2003 418.49 646.7958 189.2885 426.9
2004 502.37 805.5183 203.754 595.75
2005 554.11 930.2264 279.8637 661.875
2006 645.31 1088.042 378.765 738.8571

2001 349.0362 269.3419 1210.083 1416.5
2002 469.8833 285.2363 2271.381 2340
2003 549.7407 292.8572 2179.968 1942.567
2004 644.9908 304.3375 2118.429 2186.257
2005 778.4417 355.5291 1619.546 2434.07
2006 900.2 359.447 1822.042 3181.17
173
Graphical picture of investment per branch is as follows -
C -10 : Investment per Branch
3500.00
3000.00
IBBL
2500.00 EXIM
Tk. in Million
AAB
2000.00
SBL
1500.00 PBL
NBL
1000.00 SCB
C NA
500.00
0.00
2001 2002 2003 2004 2005 2006
Year
Year 2006:
Bank Name Per branch Bank Name Growth rate

investment
CNA 7018.98 AAB 35%
SCB 2466.61 CNA 31%
EXIM 1164.73 EXIM 17%
PBL 1094.48 IBBL 16%
SJIBL 861.48 PBL 16%
IBBL 752.38 SCB 13%
AAB 364.68 SJIBL 12%
NBL 443.42 NBL 1%
CNA’s investment per branch was Tk.3181 million, which was 31% higher than previous
year investment per branch. SCB’s investment per branch was Tk.1822 million, which was
13% higher than its previous year performance. EXIM’s investment per branch was Tk.1088
million, which was 17% higher than its previous year investment per branch. PBL’s
investment per branch was Tk.900.00 million, which was 16% higher than previous year
investment per branch. SJIBL’s investment per branch was Tk.738.00 million, which was
174
12% higher than investment per branch in year 2005. IBBL’s investment per branch was
Tk.645.00 million, which was 16% higher than previous year investment per branch.
Year 2005:

investment
CNA 2434 AAB 37%
SCB 1619 PBL 21%
EXIM 930 NBL 17%
PBL 778 EXIM 15%
SJIBL 661 CNA 11%
IBBL 554 SJIBL 11%
NBL 355 IBBL 10%
AAB 279 SCB -24%
In year 2005, CNA investment per branch was Tk.2434 million, which is 11% higher than its
previous year investment per branch. SCB suffer a big blow in terms of investment per
branch. Its investment come down Tk.1619 million from Tk.2118 million, which is 24%
lower than its previous year investment per branch. EXIM’s investment per branch was
Tk.930.00 million, which was 21% higher than its previous year performance. SJIBL
investment per branch was Tk.661.00 million, which was 11% higher than its previous year
performance. IBBL’s investment per branch was Tk.554 million, which was 10% higher than
its previous year performance. NBL’s investment per branch was 355, followed by AAB
Tk.279.00 million, which was increase by 17% and 37% respectively.
Year 2004:

investment
SCB 2128 SJIBL 40%
CNA 2186 EXIM 25%
EXIM 806 IBBL 20%
PBL 645 PBL 17%
SJIBL 596 CNA 13%
IBBL 502 AAB 8%
NBL 304 NBL 4%
AAB 204 SCB -3%
As per investment per branch, top two bank are SCB and CNA. SCB’s and CNA’s
investment per branch was Tk.2118 million and Tk.2136 million respectively. Growth rate of
both bank are -3% and 31% respectively. EXIM’s per branch investment reached Tk.806
million, which is 25% higher than previous year performance. PBL follow EXIM in terms of
175
investment per branch. Its investment per branch. Its investment per branch reach at
Tk.645.00 million, which is 17% higher than previous year investment per branch. SJIBL
investment per branch was Tk.596 million, which is 40% higher than previous year
investment per branch. IBBL’s investment per branch was Tk.502 million, which is 20%
higher than previous year investment per branch. NBL’s investment per branch was Tk.304
million, which is 4% higher than previous year investment per branch. AAB’s investment per
branch was Tk.204.00 million, which is 8% higher than previous year investment per branch.
Year 2003:

investment
SCB 2179.00 SJIBL 71%
CNA 1942.57 EXIM 30%
EXIM 646.80 AAB 18%
PBL 549.74 PBL 17%
SJIBL 426.90 IBBL 16%
IBBL 418.49 NBL 3%
NBL 292.85 SCB -7%
AAB 189.29 CNA -14%
SCB per branch investment is highest among all sample bank. Its per branch investment
reached Tk.2179.00 million, which is 7% lower than its previous year performance. CNA
follow SCB in this regard. Its investment per branch was Tk.1942.57 million, which is 14%
lower than its previous year performance. EXIM investment per branch was Tk.646.80
million, which is 30% higher than its previous year performance in this criteria. PBL follow
EXIM bank. Its investment per branch was Tk.549.74 million, which is 17% higher than its
previous year performance. SJIBL’s investment per branch was Tk.426.90 million, which is
71% higher than its previous year investment per branch. IBBL’s investment per branch was
Tk.418.49 million, which is 16% higher than previous year performance. NBL’s investment
per branch was Tk.292.85 million, which is 3% higher than previous year performance in this
sector. AAB’s per branch investment is very low compare to other bank. However, its
investment income by 18%.
176
4.3.4 Manpower Expansion:
Following table shows total number of manpower that sample banks employeed from 1994 to
1998:
TABLE NO.T-12
NUMBER OF EMPLOYEES
2001 3831 357 659 84
2002 4249 500 670 195
2003 4673 627 685 243
2004 5306 768 803 283
2005 6202 934 771 340
2006 7459 1020 912 377

2001 613 2073 247 42
2002 730 2171 241 50
2003 777 2185 601 80
2004 894 2133 628 94
2005 1024 2183 741 111
2006 1172 2270 859 153
177
Histogram of number of employees is shown below:-
C - 11 : Number of Employees
8000
7000
IBBL
6000 EXIM
5000 AAB
Number
SBL
4000
PBL
3000 NBL
2000 SCB
C NA
1000
0
2001 2002 2003 2004 2005 2006
Year
In year 2001, total number of employee at IBBL was 3831 person, which is highest employee
among all bank. Its per branch employee was 31.86 person, which is third among all sample
bank. EXIM’s total employee was 375 person and its employee per branch was 35.70 which
is second highest as per employee per branch. AAB’s total employee was 659 person which
is 3rd highest compare to another. However, its per branch employee was only 36.48. SJIBL
total employee was 84 which is lowest compare to other bank. But this bank have only two
branch in year 2001. Prime Bank Ltd have 613 employee in 2001 and its employee per
branch was 23.58 person. In terms of employee NBL position was 2nd compare to other bank.
Its per branch employee was 27.64 person. SCB have only 247 employee followed by CNA
with only 42 employee in year 2001.
In the year 2002, the number of employee of IBBL was 4249 person, which is % higher than
previous year employee. Its employee per branch also increase by 1.54 person. EXIM bank
total employee also increase to 500 which is 40% higher than previous year. However its
employee per branch decrease by 4.45 person, which is show its better than Management.
Total employee was 670 person and its total employee increase by only 11 person. SJIBL
total employee increase to 195 person from 84 person and its employee per branch decrease
by 17.62 person.
178
Total number of employee of PBL was 730, which is 117 higher than its previous year
employee. However, its employee per branch increase by 3.46 person. NBL’s total employee
this year was 2171 person, which is only 98 person higher than its previous year employee.
SCB’s total employee was 247, which is 2nd lowest among all bank. Its per bank employee
was only 18.54 person. CNA have only 50 employee which is 8 person higher than its
previous year employee.
In the year 2003, the number of employees of IBBL was 4673 person, which was 424
person higher than its previous year employee. However, its employee per branch was
almost same of 33 person of year 2002. EXIM employee increase by 127 person. Its total
employee was 768, which was 141 person higher than its previous year employee. Its
employee per branch was 33, which is 1.75 person higher than previous year employee per
branch. AAB total employee become 685 person which is only 15 person higher than its
previous year employee. Its employee per branch was 17.13 person. SJIBL employee per
branch was 243 which is 48 person higher than employee in 2002. Prime Bank Ltd total
employee was 777 person which is decided by 25.90 person per branch. NBL total employee
almost unchanged. Its total employee was 2185, which was divided by 2157 person per
branch. SCB total employee increase as 601 person which is 360 higher than its employee in
year 2002. CNA employee also increase to 80 person from 50 person in year 2002.
Number of employees per branch of sample bank is shown below:

TABLE NO. T-15
NUMBER OF EMPLOYEES PER BRANCH

2001 31.66 35.70 16.48 42.00
2002 33.20 31.25 16.75 24.38
2003 33.14 33.00 17.13 24.30
2004 35.14 32.00 20.08 23.58
2005 36.70 33.36 18.80 21.25
2006 42.38 34.00 19.83 17.95

2001 23.58 27.64 19.00 21.00
2002 27.04 28.57 18.54 25.00
2003 25.90 28.75 33.39 26.67
2004 24.83 28.07 34.89 31.33
2005 24.98 28.72 29.64 37.00
2006 23.44 24.95 33.04 51.00
179
A 3-D line diagram reflecting number of employees per branch is shown below –
C - 14 : Employees per Branch
60.00
50.00 IBBL
EXIM
40.00
AAB
Number
SBL
30.00
PBL
NBL
20.00
SCB
10.00 C NA
0.00
2001 2002 2003 2004 2005 2006
Year
In the year 2004:

This year total employee of IBBL was 5306 person, which was 13% higher than its employee
of year 2003. Its employee per branch was 35.14 person, which is 2 person higher than its
previous year employee per branch. EXIM’s total employee also increase by 241 person. Its
total employee was 768 person this year. Employee per branch was 32 person which is 1
person less than previous year employee per branch. AAB total employee was 803 person,
which is 118 person higher than its previous year total employee. SJIBL total employee was
283 person, employee per branch was 23.58 person, which was increase by 16% and 1%
respectively. PBL’s total employee was 894 person, which was 15% higher than its previous
year total employee. However, its employee per branch reduce by 1 person. NBL’s total
employee was 2133 person which is 52 lower than its previous year employee. SCB
employee per branch was 34.89 person which make total employee size 628 person. CNA’s
total employee was only 94 person.
180
In the year 2005:
Total employee of IBBL was 6202 person, which was 896 person higher than its previous
year employee. Its employee per branch was increase by 1.56 person. EXIM total employee
was 934 person, which was increase by 166 person from employee in year 2004. AAB’s total
employee was 771, which is 3% lower than its pervious year employee. SJIBL total employee
was 340 person, which was 4.96% higher than its previous year employee. PBL’s total
employee was 1024 person, which is 130 person higher than its total employee. NBL’s total
employee was 2183 person, which was 50 person higher than its previous year total
employee. SCB’s total employee also increase to 741 person from 628 person. However, its
employee per branch decrease by 5.25 person.
In the year 2006:

IBBL total employee was 7459 person, which was 1257 person higher than its previous year
total employee. However, its employee per branch was also increase by 5.68 person. EXIM’s
total employee was 1020 person, which was 86 person higher than its prrevious year
employee. Its employee per branch also increase by 1.64 person. AAB’s total employee
becomes 912 person, which is 141 person higher than its pervious year total employee. Its
employee per branch also increase by 1.03 person. SJIBL total employee was 377 person,
which was 37person higher than its previous year total employee. PBL’s total employee was
1172 person, which is 148 person higher than its total employee. However, its employee per
branch was decrease by 1.54 person. NBL’s total employee was 2270 person, which was 87
person lower than its previous year total employee. However, employee per branch decrease
by 3.77 person. SCB’s total employee was 859 person which was 118 person higher than its
previous year total employee. Its employee per branch increase by 4.06 person.
4.3.5 Deposit per Employee:

Deposit per employee of sample banks in different year is shown below -
TABLE NO.T-13
DEPOSIT PER EMPLOYEE

2001 10.85 20.70 11.96 16.65
2002 13.05 19.89 10.69 16.93
2003 14.97 24.31 12.62 24.85
2004 16.56 24.84 12.59 32.13
2005 17.38 30.32 15.10 35.90
2006 17.75 34.35 18.39 47.99
181
2001 21.63 12.01 66.17 107.02
2002 22.58 12.10 135.15 142.03
2003 26.36 12.71 75.65 98.18
2004 31.40 13.58 78.17 76.84
2005 35.18 15.11 76.97 126.48
2006 46.69 17.78 74.66 137.63
Histogram of Deposit Per Employee is as follows:-
C - 12 : Deposit per Employee
160.00
140.00
IBBL
120.00 EXIM
Tk. in Million
100.00 AAB
SBL
80.00
PBL
60.00 NBL
40.00 SCB
C NA
20.00
0.00
2001 2002 2003 2004 2005 2006
Year
182
4.3.6 Investment Per Employee:
A table showing investment per employee of sample banks is given below:
TABLE NO.T-14
INVESTMENT PER EMPLOYEE

2001 9.20 14.37 7.71 2.58
2002 10.89 15.91 9.56 10.26
2003 12.63 19.60 11.05 17.57
2004 14.30 25.17 10.15 25.26
2005 15.10 27.89 14.88 31.15
2006 15.23 32.00 19.10 41.16

2001 14.80 9.74 63.69 67.45
2002 17.38 9.99 122.52 93.60
2003 21.23 10.19 65.29 72.85
2004 25.97 10.84 60.72 69.77
2005 31.17 12.38 54.64 65.79
2006 38.40 14.41 55.15 62.38
183
Graphical presentation of investment per employee is as follows –
C - 13 : Investment per Employee
140.00
120.00
IBBL
100.00 EXIM
Tk. in Million
AAB
80.00 SBL
60.00 PBL
NBL
40.00 SCB
C NA
20.00
0.00
2001 2002 2003 2004 2005 2006
Year
184
4.3.7 Employees Per Branch:
Number of employees per branch of sample bank is shown below:
TABLE NO. T-15
NUMBER OF EMPLOYEES PER BRANCH

2001 31.66 35.70 16.48 42.00
2002 33.20 31.25 16.75 24.38
2003 33.14 33.00 17.13 24.30
2004 35.14 32.00 20.08 23.58
2005 36.70 33.36 18.80 21.25
2006 42.38 34.00 19.83 17.95

2001 23.58 27.64 19.00 21.00
2002 27.04 28.57 18.54 25.00
2003 25.90 28.75 33.39 26.67
2004 24.83 28.07 34.89 31.33
2005 24.98 28.72 29.64 37.00
2006 23.44 24.95 33.04 51.00
185
A 3-D line diagram reflecting number of employees per branch is shown below –
C - 14 : Employees per Branch
60.00
50.00 IBBL
EXIM
40.00
AAB
Number
SBL
30.00
PBL
NBL
20.00
SCB
10.00 C NA
0.00
2001 2002 2003 2004 2005 2006
Year
186
4.4 Operating Performance of Sample Banks
4.4.1 Income, Expenditure and Net Profit:
(a) Income:
Total income of sample banks is shown in the following table.
TABLE NO.T-16
TOTAL INCOME

2001 4259.55 940.87 800.35 84.53
2002 5234.07 1316.56 835.42 316
2003 6710.44 1961.91 987.68 536
2004 8262.73 2636.88 1120.85 841
2005 10586.78 3433.39 1452.68 1620
2006 14038.3 4967.57 2172.48 2563

2001 1100.14 3288 2411.88 338
2002 1196.2 3343.55 4430.11 722
2003 1593.69 3622.31 6684.83 1072.77
2004 1970.37 3715.21 7319.68 1275.23
2005 2406.43 4202.52 8070.31 1784.76
2006 3235.23 5728.82 10194.21 2744.08
187
A bar diagram of total income is furnished below -
C - 15 : Total Income
16000
14000
IBBL
12000 EXIM
Tk. in Million
10000 AAB
SBL
8000
PBL
6000 NBL
4000 SCB
C NA
2000
0
2001 2002 2003 2004 2005 2006
Year
Bank Name Total Income

IBBL 4259
NBL 3288
SCB 2411
PBL 1100
EXIM 940
AAB 800
CNA 338
SJIBL 84
Total income of IBBL is highest among all bank. Its total income was Tk.4259 million,
followed by Tk.3288 million of NBL, Tk.2411 million by SCB. Tk.1100 million by PBL,
Tk.940 million by EXIM, Tk.800.00 million by AAB, Tk.338 million by CNA and Tk.84
million by SJIBL.
188
Year 2002:
Bank Name Total income Bank Name Growth rate

IBBL 5234 SJIBL 276
SCB 4430 CNA 114
NBL 3343 SCB 84
EXIM 1317 EXIM 40
PBL 1196 IBBL 23
AAB 835 PBL 9
CNA 722 AAB 4
SJIBL 316 NBL 2
IBBL maintained its superior position compare to other sample bank under consideration. Its
net income reached at Tk.5234 million, which is 23% higher than its previous year net
income. SCB follow IBBL at net income consideration. Its income reached at Tk.4430
milliion, which is 84% higher than its past year total income. NBL total income was Tk.3343
million which was only 2% higher than its previous year total income. This is lowest growth
rate among all sample bank. EXIM’s total income was Tk.1317 million, which was 4th
among all sample bank and 40% higher than its previous year total income. PBL’s total
income was Tk.1196 million, which was only 9% higher than its previous year total income.
Total income of AAB was Tk.835 million, which was only 4% higher than its previous year
total income. CNA’s total income was Tk.722 million, which was 114% higher than its
previous year total income. SJIBL’s total income was Tk.316 million, which was 276%
higher than its previous year total income.
Year 2003
IBBL 6710 SJIBL 70
SCB 6684 SCB 51
NBL 3622 EXIM 49
EXIM 1963 CNA 49
PBL 1593 PBL 33
AAB 987 IBBL 28
CNA 1073 AAB 18
SJIBL 536 NBL 8
IBBL keep its superior position despite its growth rate is only 28%. Its total income stand
Tk.6710 million. SCB follow IBBL, its total income become Tk.6684 million, which was
51% higher than its previous year total income. NBL’s total income become Tk.3622 million,
which was only 8% higher than its previous year total income. EXIM’s keep its growing
trend in year 2003, its total income becomes Tk.1963 million, which is 49% higher than its
189
previous year total income. PBL total income was Tk.1596 million, which is 33% is increase
from its total income in year 2002. CNA total income in year 2003 was Tk.1073 million,
which is 49% higher than its previous year business. AAB’s total income was Tk.987 million,
which is 18% higher than its previous year performance.
Year 2004
IBBL 8263 SJIBL 57
SCB 7320 EXIM 34
NBL 3715 PBL 24
EXIM 2637 IBBL 23
PBL 1970 CNA 19
AAB 1275 AAB 13
CNA 1120 SCB 10
SJIBL 841 NBL 3
If we see growth rate bank’s total income than we find that SJIBL is highest among all bank.
Its growth rate was 57% followed by EXIM’s 34%. PBL’s 24%, IBBL’s 23%, CNA’s 19%,
AAB’s 13%, SCB 10% and only 3% of NBL. However, if we see total income earn position
then it is clear that IBBL’s position is highest among all sample bank. Its total income
reached Tk.8263 million, SCB’s Tk.7320 million, NBL’s Tk.3715 million, SCB’s Tk.7320
million, PBL’s Tk.1972 million, CNA’s Tk.1275 million, AAB’s Tk.1120 million and
SJIBL’s Tk.841 million.
Year 2005
IBBL 10587 SJIBL 93%
SCB 8070 CNA 40%
NBL 4202 EXIM 30%
EXIM 3433 AAB 30%
PBL 2406 IBBL 28%
CNA 1784 PBL 22%
SJIBL 1620 NBL 13%
AAB 1453 SCB 10%
IBBL maintained its superior position among all sample bank in terms of total income
earning capacity. Its total income reached at Tk.10587 million, which is 28% higher than its
previous year total income. SCB secured second position as per total income consideration.
Its total income was Tk.8070 million, which was only 10% higher than its previous year total
income. NBL follow SCB in terms of total income earning. Its total income was Tk.4202
190
million, which was 13% higher than its past performance. EXIM bank total income was
Tk.3433 million, which was 30% higher than its previous year performance. PBL total
income was Tk.2406 million, which was 22% higher than its previous year performance.
CNA total income was Tk.1784 million, which was 40% higher than its previous year
performance. SJIBL total income was Tk.1620 million, which is 93% higher than its previous
total income. This bank earn highest growth rate over all sample bank under consideration.
AAB’s total income was Tk.1453 million, which is lowest among all bank.
Year 2006

IBBL 14038 SJIBL 58%
SCB 10194 CNA 54%
NBL 5728 AAB 49%
EXIM 4967 EXIM 45%
PBL 3235 NBL 36%
CNA 2744 PBL 34%
SJIBL 2563 IBBL 33%
AAB 2172 SCB 26%
in terms of total income, IBBL become 1st. Its total income was Tk.14038 million, followed
by SCB’s Tk.10194 million, NBL’s Tk.5728 million. EXIM’s Tk.4967 million, PBL’s
Tk.3235 million, CNA’s Tk.2744 million, SJIBL’s Tk.2563 million and AAB’s Tk.2172
million. If we see growth rate of total income, we find tha SJIBL is secure 1 st place by 58%
growth followed by CNA’s 54%, AAB’s 49%, EXIM 45%, NBL 36%, PBL 34%, IBBL’s
33% and SCB 26%.
(b) Expenditure:
Total expenditure of sample banks is given in the following table.
TABLE NO.T-17
TOTAL EXPENDITURE
2001 3683.43 667.01 678.84 77.15
2002 4240.02 929.76 671.48 221
2003 5908.42 1399.25 681.34 512
2004 6419.74 1801.07 771.96 767
2005 8424.36 2257.63 904.48 1118
2006 11129.63 3588.89 1202.71 1718
191
2001 344.05 2271.36 1086.7 118
2002 448.36 2473.23 2107.55 474
2003 592.28 2677.22 3159.96 577.49
2004 824.23 2980.06 3348.76 594.63
2005 886.09 3351.19 3666.85 607.55
2006 1108.61 4582.04 4261.7 1065.58
A bar diagram of total expenditure is furnished below -
C - 16 : Total Expenditure
12000
10000 IBBL
EXIM
8000
Tk. in Million
AAB
SBL
6000
PBL
NBL
4000
SCB
2000 C NA
0
2001 2002 2003 2004 2005 2006
Year
192
(c ) Net Profit:
Net profit of sample banks is given below in a table.
TABLE NO.T-18
NET PROFIT
2001 576.12 273.86 121.51 7.38
2002 994.05 386.8 163.94 95
2003 802.2 562.66 306.34 24
2004 1842.99 835.81 348.89 74
2005 2162.42 1175.76 548.2 502
2006 2908.67 1378.68 969.77 845

2001 756.09 1016.64 616.3 220
2002 747.84 870.32 1013.13 248
2003 1001.41 945.09 1953.67 221.01
2004 1146.14 735.15 2483.55 384.41
2005 1520.34 851.33 2879.24 647.83
2006 2126.61 1146.78 3232.09 881.7
193
Graphical representation of Net Profit is furnished below –
C - 17 : Net Profit
3500
3000
IBBL
2500 EXIM
Tk. in Million
AAB
2000 SBL
1500 PBL
NBL
1000 SCB
C NA
500
0
2001 2002 2003 2004 2005 2006
Year
194
4.4.2. Net Profit Per Employee :
Employee-Net Profit Ratios of Sample Banks are mentioned below –
TABLE NO.T-19
NET PROFIT PER EMPLOYEE

2001 0.15 0.77 0.18 0.09
2002 0.23 0.77 0.24 0.49
2003 0.17 0.90 0.45 0.10
2004 0.35 1.09 0.43 0.26
2005 0.35 1.26 0.71 1.48
2006 0.39 1.35 1.06 2.24

2001 1.23 0.49 2.50 5.24
2002 1.02 0.40 4.20 4.96
2003 1.29 0.43 3.25 2.76
2004 1.28 0.34 3.95 4.09
2005 1.48 0.39 3.89 5.84
2006 1.81 0.51 3.76 5.76
195
Graphical representation of Net Profit per Employee is furnished below -
C - 18 : Net Profit per Employee
7.00
6.00
IBBL
5.00 EXIM
Tk. in Million
AAB
4.00
SBL
3.00 PBL
NBL
2.00 SCB
C NA
1.00
0.00
2001 2002 2003 2004 2005 2006
Year
196
4.4.3 Dividend Paid by Sample Banks :
Following table shows the dividend paid by sample banks.
TABLE NO.T-20
DIVIDEND PAID BY SAMPLE BANKS

2001 25% 37.50% 7.50% -
2002 25% 32% 20% 12.50%
2003 20% 40% 16% -
2004 20% 40% 15.50% -
2005 25% 30% 26% -
2006 25% 25% 35% -

2001 50% 30% - -
2002 36.67% 20% - -
2003 62.86% 20% - -
2004 40% 20% - -
2005 25% 30% - -
2006 30% 50% - -
197
A Histogram of paid dividend is furnished below:
C - 19 : Dividend Paid by Sample banks
70%
60%
IBBL
Dividend in Percentage
50% EXIM
AAB
40%
SBL
30% PBL
NBL
20% SCB
C NA
10%
0%
2001 2002 2003 2004 2005 2006
Year
198

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CHAPTER 4

4.1 Capital Structure of Sample Banks

Sl. Particulars Number of Shares Total Taka

4.1.2 Export Import Bank of Bangladesh Limited (EXIM):

Sl. Particulars Number of Shares Total Taka

4.1.3 Al-Arafah Islami Bank Limited (AAIBL):

Sl. Particulars Number of Shares Total Taka

4.1.4 Shah Jalal Islami Bank Limited (SJIBL):

Sl. Particulars Number of Shares Total Taka

4.1.5 Prime Bank Limited (PBL):

Sl. Particulars Number of Shares Total Taka

4.1.7 Standard Chartered Bank (SCB):

4.1.8 Citi Bank NA (CNA):

CAPITAL STRUCTURE OF SAMPLE BANKS

(Fig.in Million Taka)

Authorised Paid up Authorised Paid up Authorised Paid up Authorised Paid up

Year PBL NBL SCB C NA

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

4.2 Mobilization and Allocation of Funds of Sample Banks

4.2.1. Deposit Schemes:

DEPOSIT SCHEMES OF SAMPLE BANKS

IBBL EXIM AAIB SJBL

4.2.2 Investment Schemes:

INVESTMENT SCHEMES OF SAMPLE BANKS

IBBL EXIM AAB SJIBL

4.2.3 Other Services:

IMPORT PERFORMANCE OF SAMPLE BANKS

(Fig. in Million Taka)

(Fig. in Million Taka)

Source : Banks’ Annual Report & Resume of Financial Institutions of Bangladesh.

IBBL EXIM AAB

SJIBL PBL NBL

Back to Back L/C Facilities:

EXPORT PERFORMANCE OF SAMPLE BANKS

(Fig. in Million Taka)

(Fig. in Million Taka)

Source : Banks’ Annual Report & Resume of Financial Institutions of Bangladesh.

Bank Name Growth rate

Bank Name Growth rate

Bank Name Total rate

Bank Name Actual Growth

Bank Name Growth rate

Bank Name Total export in 2006 Bank Name Growth (Actual)

Bank Name Growth rate

Total export of all bank 2006:

REMITTANCE PERFORMANCE OF SAMPLE BANKS

(Fig. in Million Taka)

(Fig. in Million Taka)

Source : Banks’ Annual Report & Resume of Financial Institutions of Bangladesh.

Bank Name Total remittance (From Actual Growth Growth rate

Bank Name Total remittance (From Actual Growth Growth rate

Bank Name Total remittance Actual Growth Growth rate

Bank Name Total remittance business Actual Growth Growth rate

Bank Name Total remittance business Actual Growth Growth rate

Bank Name Total remittance Growth of remittance Growth rate

Year Total remittance Growth rate

Bank Guarantee (BG):

DEPOSIT PERFORMANCE OF SAMPLE BANKS

(Fig. in Million Taka)

Source : Banks’ Annual Report & Resume of Financial Institutions of Bangladesh.

Year Name of Bank Total deposit

Bank Total deposit Bank Growth rate

Year Total deposit Growth rate