INTRODUCTION - Bangladesh Bank · PDF fileINTRODUCTION After liberation, the banks operating...

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INTRODUCTION

After liberation, the banks operating in

Bangladesh (except those incorporated abroad)

were nationalised. These banks were merged and

grouped into six commercial banks. Of the total

six commercial banks, Pubali Bank Ltd. and Uttara

Bank Ltd. were subsequently transferred to the

private sector with effect from January 1985.

Rupali Bank was transferred as public limited

company from December 1986. The rest three

State Owned Banks were operating as public

limited company from the quarter October-

December, 2007. The two Govt. owned

specialised banks were renamed as Bangladesh

Krishi Bank and Bangladesh Shilpa Bank. In March

1987 Bangladesh Krishi Bank was bifurcated and

another specialised bank emerged as Rajshahi

Krishi Unnayan Bank (RAKUB) for Rajshahi and

Rangpur Division. Bank of Small Industries &

Commerce Bangladesh Ltd. (BASIC) started its

operation as a private bank from September

1988. Later on BASIC was brought under direct

control of the Government and was reckoned to

as a specialised bank with effect from June 1993.

From July 1995 again the BASIC was categorised

as a private bank. In 1997, Government decided

to treat this bank as a Specialised bank again. So

in this booklet, the BASIC has been treated as a

Specialised Bank. Bangladesh Shilpa Bank (BSB) &

Bangladesh Shilpa Rin Sangstha (BSRS) merged

and renamed as Bangladesh development Bank

Limited (BDBL) from the quarter January-March,

2010. Standard Chartered Grindlays Bank was

merged with Standard Chartered Bank during the

Quarter (January-March, 2003). American Express

Bank also merged with Standard Chartered Bank

during the quarter (October-December, 2005).

The Oriental Bank Ltd. an Islamic private bank

was renamed as ICB Islamic Bank Ltd. from the

quarter (April-June, 2008). Credit Agricole

Indosuez, a foreign private bank is renamed as

Commercial Bank of Ceylon Ltd. from the quarter

(October-December, 2003). Shamil Bank is

renamed as Bank Al-Falah Ltd. from the quarter

(April-June, 2005). Arab Bangladesh Bank Ltd. is

renamed as AB Bank Ltd. from the quarter

(January-March, 2008) and Social Investment

Bank Ltd. is renamed as Social Islami Bank Ltd.

from the quarter (April-June, 2009). It is

mentioned that First Security Bank Ltd. has

started its operation according to Islamic Sariah

from the quarter (January-March, 2009),

Shahjalal Bank Ltd. has started its operation

according to Islamic Sariah from the quarter

April-June, 2001 and it is renamed as Shahjalal

Islami Bank Ltd. from the quarter April-June, 2004

and EXIM Bank Ltd. has also started its operation

according to Islamic Sariah from the quarter (July-

September, 2004). The branches of foreign banks

operating in Bangladesh are being treated as

foreign private banks.

Among all fourth generation Scheduled Banks

“NRB Commercial Bank Ltd.”, “South Bangla

Agriculture and Commerce Bank Ltd.”, “Meghna

Bank Ltd.”, “The Farmers Bank Ltd.”, and “Union

Bank Ltd.” have started their operation from the

quarter April-June, 2013. “Midland Bank Ltd.”,

“Modhumoti Bank Ltd.”, “NRB Bank Ltd.” have

started their operation from the quarter July-

September, 2013 and “NRB Global Bank Ltd”

have started their operation from the quarter

October-December, 2013. It is mentioned that

Union Bank Ltd. based on Islamic Sariah.

All such banks operating in Bangladesh with

different paid-up capital and reserves having a

minimum of an aggregate value of Tk. 50 lac and

conducting their affairs to the satisfaction of the

Bangladesh Bank have been declared as

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scheduled banks in terms of section 37(2) of

Bangladesh Bank Order 1972. In terms of section

13 of Bank Company Act, 1991, the minimum

aggregate value was Tk. 20 crore. From 30 March

2003 it was Tk. 100 crore. From 08 October 2007

it was Tk. 200 crore. From 11 August 2011 it has

been raised at the minimum of Tk. 400 crore (as

per Circular Letter No. BRPD(R-1)717/2008-511

dated August 12, 2008).

The names of the Scheduled Banks whose operations are recorded in this volume are as below:

A. STATE OWNED BANKS:

1. Agrani Bank Limited.

2. Janata Bank Limited.

3. Rupali Bank Limited.

4. Sonali Bank Limited.

B. SPECIALSED BANKS:

1. Bangladesh Krishi Bank.

2. Rajshahi Krishi Unnayan Bank.

3. Bank of Small Industries and Commerce

Bangladesh Ltd.

4. Bangladesh Development Bank Limited.

C. PRIVATE BANKS:

a) Foreign Banks:

1. Standard Chartered Bank

2. State Bank of India

3. Habib Bank Ltd.

4. Citi Bank, N.A.

5. Commercial Bank of Ceylon Ltd.

6. National Bank of Pakistan

7. Woori Bank

8. The Hong Kong & Shanghai Banking

Corporation Ltd.

9. Bank Al-Falah Ltd.

b) Private Banks (Incorporated in

Bangladesh excluding Islamic Banks):

1. AB Bank Ltd.

2. National Bank Ltd.

3. The City Bank Ltd.

4. International Finance Investment and

Commerce Bank Ltd.

5. United Commercial Bank Ltd.

6. Pubali Bank Ltd.

7. Uttara Bank Ltd.

8. Eastern Bank Ltd.

9. National Credit and Commerce Bank Ltd.

10. Prime Bank Ltd.

11. Southeast Bank Ltd.

12. Dhaka Bank Ltd.

13. Dutch Bangla Bank Ltd.

14. Mercantile Bank Ltd.

15. Standard Bank Ltd.

16. One Bank Ltd.

17. Bangladesh Commerce Bank Ltd.

18. Mutual Trust Bank Ltd.

19. Premier Bank Ltd.

20. Bank Asia Ltd.

21. Trust Bank Ltd.

22. Jamuna Bank Ltd.

23. BRAC Bank Ltd.

24. NRB Commercial Bank Ltd.

25. South Bangla Agriculture and Commerce

Bank Ltd.

26. Meghna Bank Ltd.

27. Midland Bank Ltd.

28. The Farmers Bank Ltd.

29. NRB Bank Ltd.

30. Modhumoti Bank Ltd.

31. NRB Global Bank Ltd.

c) Islamic Banks

1. Islami Bank Bangladesh Ltd.

2. ICB Islamic Bank Ltd.

3. Al-Arafah Islami Bank Ltd.

4. Social Islami Bank Ltd.

5. EXIM Bank Ltd.

6. First Security Islami Bank Ltd.

7. Shahjalal Islami Bank Ltd.

8. Union Bank Ltd

iii

The banks play an important role in the

economy of the country. Bangladesh Bank has

been collecting, compiling and publishing

statistics on scheduled banks for the use of

researchers, planners and policy makers.

The statistical tables contained in this issue

have been prepared from the returns submitted

by the individual bank branches of scheduled

banks as on the last day of the quarter ending

December 31, 2014. At the end of the period

under study the total number of reported bank

branches including Head Offices, Islamic

Windows and SME service centers stood at 9,141,

which contains only 76 branches of foreign banks.

For useful presentation of data, banks have

been classified into several groups viz. ‘All Banks’,

‘State owned Banks’, ‘Specialised Banks’, ‘Foreign

Banks’, and ‘Private Banks’ (Including Islamic

Banks). A separate subgroup named as ‘Islamic

Banks’ has been introduced consisting of seven

banks (Incorporated in Bangladesh), run on the

basis of Islamic Sariah with effect from quarter

January-March 1998. These banks are 1) Islamic

Bank Bangladesh Ltd. 2) ICB Islamic Bank Ltd. 3)

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

Ltd. 5) EXIM Bank Ltd. 6) Shahjalal Islami Bank

Ltd. 7) First Security Islami Bank Ltd. and 8) Union

Bank Ltd.

The publication provides a detailed analysis

of bank deposits (excluding inter-bank) mainly in

the form of ‘by Types & Sectors’, ‘by Rates of

Interest & Types’, ‘by Types of Account’;

outstanding advances (excluding inter-bank

transactions) mainly in the form of ‘by Rates of

Interest & Securities’, ‘by Securities’, ‘by Size of

Account’, ‘by Economic Purposes’ etc. and bills

mainly in the form of ‘by Sectors’.

From the very inception, the ‘Scheduled

Banks Statistics’ were being collected and

published on quarterly basis. Later on since

December, 1988 the data had been collected on

half yearly basis and published on annual basis

ending December every year. Subsequently, from

December 1990 the data were collected on

quarterly basis but published on annual basis.

Then it was decided to publish again on quarterly

basis from June 1992 and the present publication

follows as a sequel to the change in the policy

decision.

The role of agricultural credit in fostering the

economy of the country has gained importance

nowadays. To this end in mind agricultural credit

statistics time series data were collected and

presented pertaining to the period from 1984-85

to 2014-15 (up to December 31, 2014).

The figures published in this booklet may

differ from those contained in the statement of

position of Scheduled Banks released each week

by the Bangladesh Bank due to difference in

timing and coverage.

From the quarter July-September, 2013 the

Scheduled Banks were instructed to follow the

‘Guidelines to Fill in the Banking Statistics

Returns SBS-1, SBS-2 & SBS-3’ fifth edition,

published in July 2013. In this brochure, all

statistical tables have been prepared on the basis

of returns, submitted by the scheduled banks as

per the booklet, published in July 2013.

For taking into account, the remittances (in

Foreign Currency) by the Wage earners abroad,

two types of deposits: 1) Wage Earners’ Deposits

& 2) Resident Foreign Currency Deposits have

been introduced from the quarter ending on

December, 2001.

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EXPLANATORY NOTES TO THE TABLES Table-1: Divisions/Districts wise distribution of

per capita Deposits/Advances on the basis of

population: The table furnishes the

division/district wise distribution of population,

number of reporting bank branches, per capita

deposits and per capita advances.

Table-2 to 7: Deposits Distributed by Types of

Accounts: These tables show the classification of

total demand and time liabilities of scheduled

banks (excluding inter-bank) into fourteen broad

types such as (a) Current and Cash Credit Account

(credit balances) Deposits, (b) Deposits

withdrawable on Sight, (c) Savings Deposits, (d)

Convertible Taka Accounts of Foreigners, (e)

Foreign Currency Accounts, (f) Wage Earners’

Deposits, (g) Resident Foreign Currency Deposits,

(h) SpecialNotice Deposits, (i) Fixed Deposits, (j)

Recurring Deposits, (k) Margin Deposits (Foreign

Currency/Taka), (l) Special Purpose Deposits, (m)

Negotiable Certificates of Deposits& Promissory

Notes and (n) Restricted (Blocked) Deposits.

a) Current and Cash Credit Accounts Deposits:

These are of the nature of demand deposits

and comprise current accounts and credit

balances of cash credit accounts. Generally

no interest is allowed on these deposits.

These deposits are to be reported in code

no.-100 as usual but from the quarter,

October-December, 2005 some banks have

started paying interest on this type of

account. This later type is to be reported in

code no.-105. These accounts have chequing

facilities and balances are transferable.

b) Deposits Withdrawable on Sight: This item

includes all deposits which cannot be

transferred through cheques but are

withdrawable on demand such as overdue

Fixed Deposits Accounts, unclaimed

balances, payment orders, telephonic

transfers, mail transfers, demand drafts,

unclaimed dividends and draft payable

accounts, Earnest Money of

Tenders/Quotations etc.

c) Saving Deposits Account: Deposit on these

accounts are self-explanatory and generally

emanates from the individuals. A portion,

varying from time to time, of savings

deposits constitutes demand deposits. From

1st July, 1996 11% of savings deposits was

regarded as demand deposits and from 1st

July 1997, it was 10%. At present from 24th

June, 2007, 9% of savings deposits has been

being regarded as demand deposits.

d) Convertible Taka Account of Foreigners:

Convertible Taka account of foreigners are

deposits of foreign individuals, embassies,

foreign Governments and international

agencies, all of which have non-resident

status under foreign exchange regulations.

e) Foreign Currency Accounts: Foreign

currency accounts consist of the deposits (in

foreign currency) of the foreigners (residing

abroad or in Bangladesh) and foreign

missions & their expatriate employees.

f) Wage Earners’ Deposits: The depositors of

these accounts are the Bangladeshi

nationals, who work abroad. These accounts

are fed by the remittances (in foreign

currency) from these persons. Deposits in

NFCD accounts along with interest thereon

are also reported in these accounts.

g) Resident Foreign Currency Deposits:

Persons ordinarily residing in Bangladesh

may open this account with foreign

exchanges brought in at the time of their

return from travel abroad. Deposits or

remittances from persons, working in

Bangladesh missions abroad and Retention

quota deposits by the exporters are also

included in these deposits.

h) Special Notice Deposits: This item includes

the deposits that are deposited for a period

ranging from 7 days to 89 days. These types

of liabilities are payable on Special notice or

after a specified period other than the fixed

deposits. Some of these types of deposits

are of the nature of time deposits.

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i) Fixed Deposits: These are reclassified by

period of maturity and are exclusively time

deposits.

j) Recurring Deposits: According to this

scheme the investors would be required to

deposit their money limited to maximum of

Tk. 500 per month for a period of 10 years

and 20 years. Interest on the invested

amount will be compounded at the rate of

15% and calculated on yearly basis. Deposits

Pension schemes are of the nature of time

deposits and it was introduced in 1983.

Later on Deposits Scheme e.g. APS, SDPS,

SPS, PDS, PSS etc. and Hajj Deposits

Schemes have been introduced by the

various Banks with various interests.

k) Margin Deposits (Foreign Currency/

Taka) : Equivalent Taka of margin on letters

of Credit and margins on guarantee (in Taka

& Foreign Currency) are included in this

item.

l) Special Purpose Deposits: This item

comprises employees’ provident

funds/pension Accounts, contribution

towards insurance funds, Hajj Deposits, Staff

guarantee/Security funds, Security Deposits,

Gift Certificate Deposits, Sundry deposits,

Surcharge and Development charge etc.

m) Negotiable Certificates of Deposits and

Promissory Notes: Negotiable certificates of

deposits are bearer certificate deposits and

are of nature of time deposits.

n) Restricted (Blocked) Deposits: The balances

of restricted (blocked) deposits are reported

in this item against Private Sector. According

to Special Law, the competent authority

blocks these accounts. In blocked period,

the depositors cannot withdraw their

deposits.

Table 8 to 13. Deposits Distributed by Divisions/

Districts and Areas (Urban & Rural): These tables

show the district-wise distribution of deposits of

urban and rural regions of the country. It is

mentioned that the transaction of the branches

in municipal area is treated as urban area

transaction (deposits or advances as the case

may be) while the transaction of the branches

located out-side the municipal area is regarded as

rural area transaction (deposits or advances).

Table 14 to 19: Deposits Distributed by Sectors

and Types: These Tables provide a break up of

deposits by different sectors of deposits

mentioned in the paragraph number two.

Table 20 to 25: Deposits Distributed by Rates of

Interest/Profit and Types: These tables show the

rates of interest allowed by the scheduled banks

on different types of deposits. No interest is

allowed on current deposits (without interest,

Code no.-100)and deposits withdrawable on sight

while interest is allowed on current deposits

(with interest, Code no.-105), savings deposits,

fixed deposits, pension scheme deposits and

foreign currency accounts of non-residents and

residents. The rate of interest varies from time to

time. The amount of deposits against “Zero” rate

of interest under “Deposits Withdrawable on

Sight” represents mainly the bills payables such

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

will have the option for withdrawing interest

accumulated every twelve months or can have

the interest with the principal to be compounded

in case of maturity exceeding one year.

Profit/Loss is applicable in the cases of Islamic

Banks (Islami Bank Bangladesh Ltd., ICB Islamic

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

Bank Ltd., EXIM Bank Ltd, First Security Islami

Bank Ltd., Shahjalal Islami Bank Ltd. and Union

Bank Ltd.).

Table 26 to 31: Deposits Distributed by Size of

Accounts: The Statistics of number of Accounts

and corresponding amount falling within

specified groups are not based exclusively on

individual accounts. As the number of accounts is

considerably large, the respondents have the

option to combine the accounts and amount in

such cases when the types of deposits, the

category of depositors and the rates of interest

allowed thereon are the same. In such cases it is

not the actual size of components but the

average size of the group that determines the

class to which it belongs. Notwithstanding the

existence of an element of statistical errors, it is

vi

believed that the estimates would not differ

significantly from the actual position.

Table 32: Deposits Distributed by Size of

Accounts and Sectors: The Tables provide a break

up of deposits by size of accounts and sector.

Table 33: Deposits Distributed by Selected

Thanas: The statistics show the distribution of

deposits in the leading thanas of the country and

those have been presented in the descending

order of magnitude of deposits.

Table 34: Debits to Deposits Accounts and

Turnover: The table shows debits to various

types of deposit accounts during the period

under review. This also includes co-efficient of

turnover by relating debits to average amounts of

deposits.

Table 35 to 40: Advances Classified by Securities:

These tables show the break-up of scheduled

banks advances (excluding interbank) by types of

securities pledged or hypothecated.

Table 41 to 46: Advances Classified by Economic

Purposes: These tables show the advances made

by scheduled banks to different economic

purposes for which the borrowers borrow. If a

borrower pursues more than one profession the

classification is done in accordance with his major

calling.

Table 47 to 52: Advances Classified by Rates of

Interest and Securities: These tables give the

rates of interest charged by the scheduled banks

on various types of securities as well as clean

advances. Advances to “Zero” rate of interest

mostly represent (a) Advances to bank’s own

employees (b) Classified advances (Bad/ Loss) (c)

Advances associated with clearing disputes etc.

Table 53: Advances Classified by Selected

Thanas: This table shows the classification of

advances in the leading thanas of the country and

those have been presented in the descending

order of magnitude of advances.

Table 54: Advances Classified by Size of

Accounts and Economic Groups: The table

provides statistics on advances classified by size

of accounts and economic groups. The

respondents can group those accounts together

where the securities, the economic purpose, the

category of borrowers and the rates of interest

are the same. As a result the size of distribution

suffers from a similar limitation as its analogy in

deposits.

Table 55 to 60: Advances Classified by Size of

Accounts: These tables provides statistics on

advances classified by size of accounts.

Table 61: Advances Classified by Major

Economic Purposes and Sectors: The table

provides a break-up of advances classified by

major economic purposes to public and private

sectors.

Table 62 to 67: Advances Classified by Division /

Districts and Areas (Urban / Rural): These tables

show the district-wise classification of advances

of urban and rural regions of the country.

Table 68: Advances Classified by Size of

Accounts and Sectors: The table provides

statistics on advances classified by size of

accounts and sector.

Table 69 to 74: Advances Classified by Rates of

Interest and Major Economic Purposes: These

tables provide rates of interest charged by the

scheduled banks on advances for different

economic purposes.

Table 75 to 80: Agricultural Credits Statistics.

Table 81: Disbursement, Overdue & Recovery of

Agricultural and Non-Farm Rural Credit Position.

Table 82: SME Credit Position.

Table 83 to 88: Classification of Bills purchased

and discounted: The statement provides an

account of bills purchased and discounted by

major economic purposes of drawees. Along with

the corresponding statement on advances the

statistics provide information on the structure of

bank credit.

Table 89: Classification of Bills by Sectors.


Advances by Sectors.


Advances by Economic Purposes.

vii

A Review on Deposits and Advances of Scheduled Banks (As on end December, 2014)

Banks’ Deposits:

Total deposit liabilities (excluding interbank

items) of the scheduled banks increased by

Tk.30723.62 crore or 4.64% to Tk.693112.55 crore

during the quarter Oct.-Dec., 2014 as compared to

increases of Tk.12948.91 crore or 1.99% and

Tk.29877.56 crore or 5.15% in the previous

quarter (Jul.-Sep., 2014) and the corresponding

quarter (Oct.-Dec., 2013) of the last year

respectively. The increase in deposits during

the quarter was due to increases in urban

deposits by Tk.22444.75 crore or 4.17% to

Tk.560516.45 crore and in rural deposits by

Tk.8278.87 crore or 6.66% to Tk.132596.10

crore. The share of urban deposits to total

deposits at the end of the quarter Oct.-Dec.,

2014 was 80.87% as compared to 81.23% at

the end of the preceding quarter (Jul.-Sep.,

2014) and 81.70% at the end of the

corresponding quarter (Oct.-Dec., 2013) of the

last year. Bank deposits registered an increase

of Tk.82582.01 crore or 13.53% from end

December, 2013 to end December, 2014 as

compared to an increase of Tk.78163.72 crore

or 14.68% from end December, 2012 to end

December, 2013.

Banks' Advances:

Banks’ advances increased by Tk.23374.42

crore or 4.83% to Tk.507627.01 crore during

the quarter Oct.-Dec., 2014 as compared to

increases of Tk.14669.38 crore or 3.12% and

Tk.12267.49 crore or 2.84% respectively during

the preceding quarter (Jul.-Sep., 2014) and the


last year. Bank advances in urban areas

increased by Tk.19211.91 crore or 4.39% to

Tk.457117.79 crore and in rural areas


Tk.50509.22 crore during the quarter under

review. Bank advances exhibited an increase by

Tk.63782.60 crore or 14.37% from end

December, 2013 to end December, 2014 as

compared to an increase of Tk.33219.31 crore

or 8.09% from end December, 2012 to end

December, 2013.

Bills:

Bills purchased and discounted by the

banks increased by Tk.853.81 crore or 3.42% to

Tk.25845.21 crore during the quarter under

review as compared to increases of Tk.2617.39

crore or 11.70% and decreases of Tk.1317.55

crore or 5.51% respectively during the

preceding quarter (Jul.-Sep., 2014) and the


last year.

viii

Interest Rates (Weighted Average):

Weighted average rates of interest on

deposits and advances were 7.07% & 12.44

respectively at the end of the quarter under

review as compared to 7.30% & 12.71% in Jul.-

Sep., 2014 and 8.34% & 13.47% in Oct.-Dec.,

2013 quarters respectively. Quarterly position

of banks deposits, outstanding advances and

bills is shown in Table-1.

Table-1

Overall Deposits, Advances and Bills

(Taka in Crore)

Urban Rural Total Urban Rural Total

2013

Oct.-Dec. 498821.20 111709.34 610530.54 398782.04 45062.37 443844.41 22608.99 8.34 13.46

81.70% 18.30% 100% 89.85% 10.15% 100%

(5.01) (5.75) (5.15) (2.75) (3.65) (2.84) (-5.51)

2014

Jan.-Mar. 509143.14 113124.09 622267.23 406225.27 44671.23 450896.50 22138.02 8.06 13.47

81.82% 18.18% 100% 90.09% 9.91% 100%

(2.07) (1.27) (1.92) (1.87) (-0.87) (1.59) (-2.08)

Apr.-Jun. 528490.05 120949.97 649440.02 423226.68 46356.53 469583.21 22374.01 7.66 13.47

81.38% 18.62% 100% 90.13% 9.87% 100%

(3.8) (6.92) (4.37) (4.19) (3.77) (4.14) (1.07)

Jul.-Sep. 538071.70 124317.23 662388.93 437905.88 46346.71 484252.59 24991.40 7.30 12.71

81.23% 18.77% 100% 90.43% 9.57% 100%

(1.81) (2.78) (1.99) (3.47) (-0.02) (3.12) (11.7)

Oct.-Dec. 560516.45 132596.10 693112.55 457117.79 50509.22 507627.01 25845.21 7.07 12.44

80.87% 19.13% 100% 90.05% 9.95% 100% 3.73%

(4.17) (6.66) (4.64) (4.39) (8.98) (4.83) (3.42)

Weighted

Average

Interest Rate

on Advances

At end of

the quarter

Deposits Advances Bills

Purchased

and

Discounted

Weighted

Average

Interest Rate

on Deposits

Note: 1. Figures in parentheses represent rates of growth in percent over the preceding quarter.

2. Minor differences may be observed due to rounding off and changes of Fourth Edition to

Fifth Edition of “Guidelines to fill in the Banking Statistics Returns SBS-1, 2 & 3”.

ix

Banks' Credit Total credit of the Scheduled banks increased

by Tk.24228.23 crore or 4.76% to Tk.533472.22

crore during the quarter under review as

compared to increases of Tk.17286.77 crore or

3.51% and Tk.10949.94 crore or 2.40%

respectively during the preceding quarter (Jul.-

Sep., 2014) and the corresponding quarter (Oct.-

Dec., 2013) of the last year.

Banks' Investment

The Scheduled banks' investment increased

by Tk.6121.86 crore or 3.41% to Tk.185652.01

crore at the end of the quarter Oct.-Dec., 2014 as


2.18% and Tk.14288.30 crore or 9.69%

respectively during the Preceding quarter (Jul.-


Dec., 2013) of the last year.

Borrowings from the Bangladesh Bank

The Scheduled Banks' borrowings from the

Bangladesh Bank at the end of the quarter under

review decreased by Tk.3525.53 crore or 29.16%

to Tk.8564.22 crore as compared to increases of

Tk. Tk.6566.56 crore or 118.89% and decreases of

Tk.1924.49 crore or 22.46% respectively during

the preceding quarter (Jul.-Sep., 2014) and the


last year. Quarterly position of the scheduled

banks' credit, investment and borrowings from

the Bangladesh Bank is showninTable-2.

Table-2

Scheduled Banks’ Credit, Investment and Borrowing from Bangladesh Bank


2. Minor differences may be observed due to rounding off.

x

Deposits by Category of Banks:

The increased of Tk.30723.62 crore or

4.64% in total deposit liabilities during the

quarter Oct.-Dec., 2014 over the preceding

quarter Jul.-Sep., 2014 was shared by increased

in Private Banks by Tk.18596.89 crore or 4.41%,

Specialised Banks by Tk.2112.59 crore or 5.96%,

Islamic Banks by Tk.4500.47 crore or 3.59%,

State Owned Banks by Tk.10861.74 crore or

6.36% and Foreign Banks decreased by

Tk.847.60 crore or 2.46%. The net accretion in

deposits during the quarter under review over

the same quarter (Oct.-Dec., 2013) of the last

year amounting to Tk.82582.01 crore or 13.53%

was due to increased in deposits of State

Owned Banks by Tk.20637.68 crore or 12.82%,

in Private Banks by Tk.58767.60 crore or

15.40%, in Specialised Banks by Tk.3616.19

crore or 10.65%, in Islamic Banks by

Tk.21950.43 crore or 20.36% and in Foreign

Banks decreased by Tk.439.46 crore or 1.29%.

Of the total deposits of Tk.693112.55 crore at

the end of the quarter under review, the shares

of State Owned Banks, Specialised Banks,

Foreign Banks, Private Banks and Islamic Banks

were Tk.181677.60 crore (26.21%), Tk.37577.79

crore (5.42%), Tk.33557.64 crore (4.84%),

Tk.440299.52 crore (63.52%) and Tk.129772.08

crore (18.72%) respectively. The position in

respect of deposit liabilities by category of

Banks is shown in Table-3.

Table-3 Deposits Distributed by Category of Banks



xi

Deposits by Types of Accounts:

Breakdown by types of deposits accounts

revealed that the share of fixed deposits from

53.86% at the end of the quarter Jul.-Sep., 2014

to 53.26% at the end of quarter Oct.-Dec., 2014.

The amount of fixed deposits increased by

Tk.12322.88 crore or 3.45% to Tk.369117.69

crore at the end of the quarter under review as

or compared to increases of Tk.7320.53 crore or

2.09% and Tk.14587.79 crore or 4.68% at the

end of the preceding quarter (Jul.-Sep., 2014)

and the corresponding quarter (Oct.-Dec., 2013)

of the last year respectively. The share of

savings deposits to total deposits from 16.91%

on the September 30, 2014 to 16.88% on the

December 31, 2014. Deposits distributed by

types of accounts are shown in Table-4.

xii

Table-4 Deposits Distributed by Types of Accounts

At end of

the quarter

Current and

Cash Credit

Account

Savings

Deposits

Convertible

Taka Account

of Foreigners

Foreign

Currency

Accounts

Wage

Earners'

Deposits

Resident

Foreign

Currency

Deposits

Special

Notice

Deposits

Fixed

Deposits

Recurring

Deposits

Other

Deposits

Total

Deposits

2013

Oct.-Dec. 46315.71 100523.80 1046.16 3874.19 1443.38 5173.91 49991.07 326168.16 43133.17 32860.99 610530.54

7.59% 16.46% 0.17% 0.63% 0.24% 0.85% 8.19% 53.42% 7.06% 5.38% 100%

(8.67) (2.68) (-1.67) (21.4) (50.36) (-0.6) (7.83) (4.68) (9.53) (1.44) (5.15)

2014

Jan.-Mar. 47854.05 101303.72 1099.04 4656.93 2032.58 5453.34 45772.69 337906.71 42857.67 33330.50 622267.23

7.69% 16.28% 0.18% 0.75% 0.33% 0.88% 7.36% 54.30% 6.89% 5.36% 100%

(3.32) (0.78) (5.05) (20.2) (40.82) (5.4) (-8.44) (3.6) (-0.64) (1.43) (1.92)

Apr.-Jun. 50417.80 108203.93 1324.76 2567.99 1869.85 4988.00 51157.00 349474.28 42714.55 36721.86 649440.02

7.76% 16.66% 0.20% 0.40% 0.29% 0.77% 7.88% 53.81% 6.58% 5.65% 100%

(5.36) (6.81) (20.54) (-44.86) (-8.01) (-8.53) (11.76) (3.42) (-0.33) (10.17) (4.37)

Jul.-Sep. 48231.45 112026.06 1366.60 2874.42 1757.45 5414.99 48900.13 356794.81 46752.05 38270.97 662388.93

7.28% 16.91% 0.21% 0.43% 0.27% 0.82% 7.38% 53.86% 7.06% 5.78% 100%

(-4.34) (3.53) (3.16) (11.93) (-6.01) (8.56) (-4.41) (2.09) (9.45) (4.22) (1.99)

Oct.-Dec. 52861.22 116978.51 1495.89 2860.92 1670.76 5553.40 54866.72 369117.69 48300.68 39406.76 693112.55

7.63% 16.88% 0.22% 0.41% 0.24% 0.80% 7.92% 53.26% 6.97% 5.69% 100%

(9.6) (4.42) (9.46) (-0.47) (-4.93) (2.56) (12.2) (3.45) (3.31) (2.97) (4.64)

(Taka in Crore)


2. Minor differences may be observed due to rounding off and changes of Fourth Edition to Fifth Edition of “Guidelines to fill in the Banking

Statistics Returns SBS-1, 2 & 3”.

3. Other deposits include Deposits Withdrawable on Sight, Margin Deposits, Special Purpose Deposits, Negotiable Certificates of Deposits and

Restricted Deposits.

xiii

Sector-wise Deposits:

The share of private sector deposits

(82.41%) was 4.68 times more than that of the

public sector deposits (17.59%) at the end of the

quarter Oct.-Dec., 2014. Deposits in the private

sector increased by Tk.455105.10 crore or 4.55%

to Tk.571177.72 crore at the end of the quarter

under review as compared to increases of

Tk.10799.17 crore or 2.02% and Tk.23087.88

crore or 4.78% at the end of the preceding



respectively. Deposits in the public sector


Tk.121934.83 crore at the end of the quarter


Tk.2149.74 crore or 1.89% and Tk.6789.68 crore

or 6.99% at the preceding quarter (Jul.-Sep.,

2014) and the corresponding quarter (Oct.-Dec.,

2013) of the last year respectively. Government

deposits in the public sector increased by

Tk.4095.59 crore or 11.28% to Tk.40390.89 crore

as compared to increases of Tk.99.46 crore or

0.27% and increases of Tk.3861.26 crore or

13.38% at the end of the preceding quarter (Jul.-


Dec., 2013) of the last year respectively. The

details of deposits by public sector and private

sector with their corresponding growth rates are

shown in Table-5.

Table-5 Sector-wise Classification of Deposits



xiv

Division-wise Urban/Rural Deposits

Distribution of deposits by administrative areas revealed that Dhaka

Division contributed more than half (63.90%) of the total deposits and

the share of urban deposits in this division was 54.55% at the end of the

quarter under review. The deposits in this division increased by 3.90%

to Tk.442902.65 crore at the end of the quarter Oct.-Dec., 2014 as

compared to increases of 2.52% and 4.92% at the end of preceding

quarter (Jul.-Sep., 2014) and the corresponding quarter of the last year

(Oct.-Dec., 2013) respectively. The share of deposits in Rangpur Division

(1.79%) and Barisal Division (1.80%) were the lowest. Division wise

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

Table-6(Contd.) Division-wise Urban/Rural Distribution of Deposits

(Taka in Crore)

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

2013

Oct.-Dec. 91839.44 28571.80 120411.24 337879.27 55167.82 393047.09 18565.90 6413.70 24979.60 17437.84 5871.62 23309.46

15.04% 4.68% 19.72% 55.34% 9.04% 64.38% 3.04% 1.05% 4.09% 2.86% 0.96% 3.82%

(5.57) (1.44) (4.56) (4.47) (7.76) (4.92) (8.96) (9.11) (9) (6) (4.83) (5.7)

2014

Jan.-Mar. 94421.82 29169.50 123591.32 344706.67 55435.28 400141.95 18752.47 6665.69 25418.16 17462.52 5828.56 23291.08

15.17% 4.69% 19.86% 55.40% 8.91% 64.30% 3.01% 1.07% 4.08% 2.81% 0.94% 3.74%

(2.81) (2.09) (2.64) (2.02) (0.48) (1.81) (1) (3.93) (1.76) (0.14) (-0.73) (-0.08)

Apr.-Jun. 97206.04 31226.20 128432.24 357072.22 58724.93 415797.15 19778.03 7694.94 27472.97 18727.99 6262.51 24990.50

14.97% 4.81% 19.78% 54.98% 9.04% 64.02% 3.05% 1.18% 4.23% 2.88% 0.96% 3.85%

(2.95) (7.05) (3.92) (3.59) (5.93) (3.91) (5.47) (15.44) (8.08) (7.25) (7.45) (7.3)

Jul.-Sep. 98453.22 31657.14 130110.36 364312.21 61982.60 426294.81 20103.50 7161.50 27265.00 18952.45 6379.59 25332.04

14.86% 4.78% 19.64% 55.00% 9.36% 64.36% 3.03% 1.08% 4.12% 2.86% 0.96% 3.82%

(1.28) (1.38) (1.31) (2.03) (5.55) (2.52) (1.65) (-6.93) (-0.76) (1.2) (1.87) (1.37)

Oct.-Dec. 103161.25 34900.93 138062.18 378062.75 64839.90 442902.65 21284.84 7873.93 29158.77 20093.34 6832.21 26925.55

14.88% 5.04% 19.92% 54.55% 9.35% 63.90% 3.07% 1.14% 4.21% 2.90% 0.99% 3.88%

(4.78) (10.25) (6.11) (3.77) (4.61) (3.9) (5.88) (9.95) (6.95) (6.02) (7.09) (6.29)

At the end

of quarter

Chittagong Division Dhaka Division Khulna Division Rajshahi Division

Note: 1. Figures in parentheses represent rates of growth in percent over the preceding quarter. 2. Minor differences may be shown due to separate rounding off.

xv

Table-6 (Concld.) Division-wise Urban/Rural Distribution of Deposits

(Taka in Crore)


2013

Oct.-Dec. 7336.36 3340.93 10677.29 18045.92 9387.72 27433.64 7716.47 2955.75 10672.22 498821.20 111709.34 610530.54

1.20% 0.55% 1.75% 2.96% 1.54% 4.49% 1.26% 0.48% 1.75% 81.70% 18.30% 100.00%

(7.77) (5.78) (7.13) (5.17) (5.25) (5.2) (7.9) (9.02) (8.21) (5.01) (5.75) (5.15)

2014

Jan.-Mar. 7380.56 3455.80 10836.36 18605.49 9612.55 28218.04 7813.61 2956.71 10770.32 509143.14 113124.09 622267.23

1.19% 0.56% 1.74% 2.99% 1.54% 4.53% 1.26% 0.48% 1.73% 81.82% 18.18% 100.00%

(0.6) (3.44) (1.49) (3.1) (2.39) (2.86) (1.26) (0.03) (0.92) (2.07) (1.27) (1.92)

Apr.-Jun. 7918.99 3662.05 11581.04 19467.08 10110.23 29577.31 8319.70 3269.11 11588.81 528490.05 120949.97 649440.02

1.22% 0.56% 1.78% 3.00% 1.56% 4.55% 1.28% 0.50% 1.78% 81.38% 18.62% 100.00%

(7.3) (5.97) (6.87) (4.63) (5.18) (4.82) (6.48) (10.57) (7.6) (3.8) (6.92) (4.37)

Jul.-Sep. 7981.39 3733.71 11715.10 19949.60 10209.43 30159.03 8319.33 3193.26 11512.59 538071.70 124317.23 662388.93

1.20% 0.56% 1.77% 3.01% 1.54% 4.55% 1.26% 0.48% 1.74% 81.23% 18.77% 100.00%

(0.79) (1.96) (1.16) (2.48) (0.98) (1.97) (0) (-2.32) (-0.66) (1.81) (2.78) (1.99)

Oct.-Dec. 8413.16 4042.80 12455.96 20573.34 10646.47 31219.81 8927.77 3459.86 12387.63 560516.45 132596.10 693112.55

1.21% 0.58% 1.80% 2.97% 1.54% 4.50% 1.29% 0.50% 1.79% 80.87% 19.13% 100.00%

(5.41) (8.28) (6.32) (3.13) (4.28) (3.52) (7.31) (8.35) (7.6) (4.17) (6.66) (4.64)

At the end

of quarter

Barisal Division Sylhet Division Rangpur Division All Divisions


2. Minor differences may be shown due to separate rounding off.

xvi

Advances by Category of Banks

The State owned Banks accounted for

17.97% of the total advances at the end of the

quarter under review. Advances made by State

Owned Banks increased by 5.41% to



3.20% and 1.47% at the end of the preceding



respectively. The share of Specialised Banks’

advances decreased to 6.87% on the December

31, 2014 from 7.03% on the September 30,

2014. Advances classified by category of banks

are shown in Table-7.

Table -7

Advances Classified by Category of Banks



xvii

Sector-wise Advances

Advances in the private sector increased by

Tk.20054.96 crore or 4.21% to Tk.495980.41

crore at end of the quarter (Oct.-Dec., 2014) as


3.19% and Tk.11526.72 crore or 2.72% at the

preceding quarter (Jul.-Sep., 2014) and the


last year respectively. Loans to the public sector


Tk.11646.60 crore as compared to decreases of

Tk.54.30 crore or 0.65% and increases of

Tk.740.77 crore or 9.55% during the preceding

quarter (Jul.-Sep., 2014) and corresponding


respectively. The increase in advances to public

sector was due to increase in 'Government'

sector by Tk.1822.13 crore or 152.08% to

Tk.3020.30 crore and ‘Other than Government'

sector loans increased by Tk.1497.33 crore or

21.00% to Tk.8626.30 crore at the end of the

quarter under review. The sector-wise position of

advances is shown in Table-8.

Table- 8

Sector-wise Classification of Advances



xviii

Economic Purpose-wise Advances

Bulk of Advances (39.03%) was used for

‘Trade’ purpose followed by advances for

'Working Capital Financing' (18.49%) and ‘Term

Loan’ (15.84%) at the end of the quarter Oct.-

Dec., 2014. Trade loans increased by Tk.1121.79

crore or 0.57% to Tk.198150.25 crore and ‘Term

Loan’ increased by Tk.6022.51 crore or 8.09% to


under review as compared to increases of 6.55%

and decreases of 6.28% respectively at the end of

the preceding quarter (Jul.-Sep., 2014) and an

increase of 4.95% & a decrease of 10.02%

respectively at the corresponding quarter (Oct.-

Dec., 2013) of the last year. ‘Transport’ loans

increased by 4.31% to Tk.5421.56 crore and

‘Agriculture’ loans increased by 2.67% to

Tk.25801.33 crore as compared to decreases of

2.15% & 3.16% at the end of the preceding

quarter (Jul.-Sep., 2014) and a decrease of 3.71%

& an increase of 0.65% at the corresponding


respectively. 'Construction' loan increased by

1.59% to Tk.44209.25 crore and ‘Working Capital

Financing' loan increased by 2.12% to

Tk.93845.99 crore and ‘Consumer Finance’ loan

increased by 30.60% to Tk.45117.41 crore

respectively at the end of the quarter under

review. 'Others' loans showed a increase of

Tk.2128.81 crore to Tk.14654.28 crore at the end

of the quarter under review as compared to the

preceding quarter. Table-9 shows economic

purpose-wise classification of advances.

Table -9

Economic Purpose-wise Classification of Advances


xix

Security-wise Advances

An analysis of advances classified by

securities revealed that 57.12% of the total

loans were outstanding against ‘Real Estate’

and 7.57% loans against ‘Export Documents/

Commodities’ at the end of the quarter under

review. Advances against ‘Real Estate’ increased

by 7.89% to Tk.289960.98 crore and that

against ‘Machinery’ increased by 9.06% to


Oct.-Dec., 2014. ‘Other Items' which includes (i)

Gold & Gold Ornaments, (ii)Vehicles, (iii)

Hypothecation of Crops, (iv) Assignment of Bills

Receivable, (v) Parri Passu Charge, (vi) Other

secured and unsecured advances recorded an

decrease of 21.12% to Tk.36472.15 crore at the

end of the quarter Oct.-Dec., 2014 as compared

to increases of 27.36% and 27.21% at the end

of the preceding quarter (Jul.-Sep., 2014) and

the corresponding quarter (Oct.-Dec., 2013) of

the last year respectively. Security wise

classification of advances is shown in Table-10.

Table-10 Security-wise Classification of Advances


2. Minor differences may be observed due to rounding off and changes of Fourth Edition to Fifth

Edition of “Guidelines to fill in the Banking Statistics Returns SBS-1, 2 & 3”.

xx

Division-wise Urban/Rural Advances

Division-wise break-up of advances revealed that Dhaka Division

consumed 67.58% of total advances of which the share of urban and

rural stood at 63.01% and 4.57% respectively at the end of the quarter

Oct.-Dec., 2014. The loans in Dhaka Division increased by 5.36% to

Tk.343065.37 crore and in Chittagong Division increased by 2.15% to

Tk.98234.49 crore and in Khulna Division increased by 4.29% to

Tk.21305.38 crore during the quarter under review. The loans in Sylhet

Division increased by 6.23% to Tk.7619.42 crore, in Barisal Division

increased by 11.04% to Tk.5653.95 crore, in Rajshahi Division

increased by 5.25% to Tk.19779.06 crore and that in Rangpur Division

increased by 9.05% to Tk.11969.34 crore. Division-wise distribution of

urban and rural loans is shown in Table-11.

Table-11 (Contd.) Division-wise Urban/Rural Classification of Advances

(Taka in Crore)


2013

Oct.-Dec. 78468.23 9428.89 87897.12 277900.44 20507.46 298407.90 14042.94 4594.61 18637.55 13529.34 3554.36 17083.70

17.68% 2.12% 19.80% 62.61% 4.62% 67.23% 3.16% 1.04% 4.20% 3.05% 0.80% 3.85%(787.81%) (-87.9%) (1.29%) (1284.91%) (-92.37%) (3.3%) (201.78%) (-66.98%) (0.38%) (314.49%) (-73.28%) (3.12%)

2014

Jan.-Mar. 80122.08 8665.00 88787.08 282842.71 20774.08 303616.79 14143.25 4588.09 18731.34 14054.30 3590.81 17645.11

17.77% 1.92% 19.69% 62.73% 4.61% 67.34% 3.14% 1.02% 4.15% 3.12% 0.80% 3.91%(2.11%) (-8.1%) (1.01%) (1.78%) (1.3%) (1.75%) (0.71%) (-0.14%) (0.5%) (3.88%) (1.03%) (3.29%)

Apr.-Jun. 81783.10 8826.95 90610.05 295283.66 21246.17 316529.83 15250.69 5132.28 20382.97 15073.04 3800.68 18873.72

17.42% 1.88% 19.30% 62.88% 4.52% 67.41% 3.25% 1.09% 4.34% 3.21% 0.81% 4.02%(2.07%) (1.87%) (2.05%) (4.4%) (2.27%) (4.25%) (7.83%) (11.86%) (8.82%) (7.25%) (5.84%) (6.96%)

Jul.-Sep. 87189.13 8975.21 96164.34 304425.42 21201.84 325627.26 15335.04 5093.98 20429.02 14973.67 3817.94 18791.61

18.00% 1.85% 19.86% 62.87% 4.38% 67.24% 3.17% 1.05% 4.22% 3.09% 0.79% 3.88%(6.61%) (1.68%) (6.13%) (3.1%) (-0.21%) (2.87%) (0.55%) (-0.75%) (0.23%) (-0.66%) (0.45%) (-0.44%)

Oct.-Dec. 88443.80 9790.69 98234.49 319866.74 23198.63 343065.37 16131.38 5174.00 21305.38 15754.08 4024.98 19779.06

17.42% 1.93% 19.35% 63.01% 4.57% 67.58% 3.18% 1.02% 4.20% 3.10% 0.79% 3.90%(1.44%) (9.09%) (2.15%) (5.07%) (9.42%) (5.36%) (5.19%) (1.57%) (4.29%) (5.21%) (5.42%) (5.25%)

At the end

of quarter

Chittagong Division Dhaka Division Khulna Division Rajshahi Division


xxi

Table-11 (Concld.) Division-wise Urban/Rural Classification of Advances

(Taka in Crore)


2013

Oct.-Dec. 2927.66 1933.68 4861.34 4825.77 1905.04 6730.81 7087.66 3138.33 10225.99 398782.04 45062.37 443844.41

0.66% 0.44% 1.10% 1.09% 0.43% 1.52% 1.60% 0.71% 2.30% 89.85% 10.15% 100.00%

(58.03) (-29.42) (5.86) (156.01) (-59.02) (3.02) (142.95) (-53.44) (5.89) (817.22) (-88.39) (2.84)

2014

Jan.-Mar. 2929.27 1983.41 4912.68 4963.47 1953.31 6916.78 7170.19 3116.53 10286.72 406225.27 44671.23 450896.50

0.65% 0.44% 1.09% 1.10% 0.43% 1.53% 1.59% 0.69% 2.28% 90.09% 9.91% 100.00%

(0.05) (2.57) (1.06) (2.85) (2.53) (2.76) (1.16) (-0.69) (0.59) (1.87) (-0.87) (1.59)

Apr.-Jun. 3049.12 2058.00 5107.12 5054.00 1981.52 7035.52 7733.07 3310.93 11044.00 423226.68 46356.53 469583.21

0.65% 0.44% 1.09% 1.08% 0.42% 1.50% 1.65% 0.71% 2.35% 90.13% 9.87% 100.00%

(4.09) (3.76) (3.96) (1.82) (1.44) (1.72) (7.85) (6.24) (7.36) (4.19) (3.77) (4.14)

Jul.-Sep. 3051.99 2039.87 5091.86 5185.21 1987.28 7172.49 7745.42 3230.59 10976.01 437905.88 46346.71 484252.59

0.63% 0.42% 1.05% 1.07% 0.41% 1.48% 1.60% 0.67% 2.27% 90.43% 9.57% 100.00%

(0.09) (-0.88) (-0.3) (2.6) (0.29) (1.95) (0.16) (-2.43) (-0.62) (3.47) (-0.02) (3.12)

Oct.-Dec. 3221.45 2432.50 5653.95 5156.01 2463.41 7619.42 8544.33 3425.01 11969.34 457117.79 50509.22 507627.01

0.63% 0.48% 1.11% 1.02% 0.49% 1.50% 1.68% 0.67% 2.36% 90.05% 9.95% 100.00%

(5.55) (19.25) (11.04) (-0.56) (23.96) (6.23) (10.31) (6.02) (9.05) (4.39) (8.98) (4.83)

At the end

of quarter

Barisal Division Sylhet Division Rangpur Division All Divisions


xxii

Division-wise Advances/ Deposits Ratio

Ratio of Advances to deposits in Chittagong,

Dhaka, Khulna, Rajshahi, Barisal, Sylhet and

Rangpur Division were 0.71, 0.77, 0.73, 0.73,

0.45, 0.24 and 0.97 respectively at the end of

the quarter under review as compared to 0.74,

0.76, 0.75, 0.74, 0.43, 0.24 and 0.95 respectively

at the end of the previous quarter (Jul.-Sep.,

2014). Table-11A shows the Division-wise

Advance/ Deposit Ratio.

Table-11-A Division-wise Advance/Deposit Ratio

Growth of Scheduled Bank Branches The number of scheduled bank branches in

the country increased by 191 or 2.16% to 9040

during the quarter Oct.-Dec., 2014 as compared

to increase of 55 or 0.63% to 8849 and 203 or

2.39% to 8685 during the preceding quarter

(Jul.-Sep., 2014) and the corresponding quarter

(Oct.-Dec., 2013) of the last year respectively.

The share of rural branches during the quarter

was 56.97%. The number of urban branches

increased by 90 or 2.37% during the quarter

under review as compared to an increased by

28 or 0.74% during the preceding quarter (Jul.-

Sep., 2014). The number of branch licenses held

unutilised by the banks changed from 152 to 86

(urban branches 43 and rural branches 43) at

the end of the quarter under review as

compared to the end of the preceding quarter

(Jul.-Sep., 2014). During the quarter under

review 56 urban and 70 rural branches licenses

were issued. The growth of bank branches of

State Owned Banks, Specialised Banks, Foreign

Banks and Private Banks is shown in Table-12.

Division/Area-wise distribution of bank bran-

ches is shown in Table-13.

Grameen Bank A total of 2,568 branches of Grameen Bank

were in operation at the end December, 2014.

It has extended its services to 81,390 villages of

Bangladesh where in 8,640,225 members

(323,239 males and 8,316,986 females) were

organised into groups for providing financial

assistance.

xxiii

Table-12 Number of Scheduled Bank Branches Operating in Bangladesh


2013

Oct.-Dec. 1268 2252 3520 178 1316 1494 69 2208 1394 3602 3723 4962 8685

14.60% 25.93% 40.53% 2.05% 15.15% 17.20% 0.79% 25.42% 16.05% 41.47% 42.87% 57.13% 100%

(0.24) (0.63) (0.49) (0.56) (0.61) (0.61) (4.55) (4.05) (6.74) (5.08) (2.56) (2.27) (2.39)

2014

Jan.-Mar. 1274 2258 3532 177 1317 1494 69 2225 1408 3633 3745 4983 8728

14.60% 25.87% 40.47% 2.03% 15.09% 17.12% 0.79% 25.49% 16.13% 41.62% 42.91% 57.09% 100%

(0.47) (0.27) (0.34) (-0.56) (0.08) (0) (0) (0.77) (1) (0.86) (0.59) (0.42) (0.5)

Apr.-Jun. 1276 2260 3536 177 1319 1496 70 2249 1443 3692 3772 5022 8794

14.51% 25.70% 40.21% 2.01% 15.00% 17.01% 0.80% 25.57% 16.41% 41.98% 42.89% 57.11% 100%

(0.16) (0.09) (0.11) (0) (0.15) (0.13) (1.45) (1.08) (2.49) (1.62) (0.72) (0.78) (0.76)

Jul.-Sep. 1277 2264 3541 178 1319 1497 70 2275 1466 3741 3800 5049 8849

14.43% 25.58% 40.02% 2.01% 14.91% 16.92% 0.79% 25.71% 16.57% 42.28% 42.94% 57.06% 100%

(0.08) (0.18) (0.14) (0.56) (0) (0.07) (0) (1.16) (1.59) (1.33) (0.74) (0.54) (0.63)

Oct.-Dec. 1282 2271 3553 178 1322 1500 70 2360 1557 3917 3890 5150 9040

14.18% 25.12% 39.30% 1.97% 14.62% 16.59% 0.77% 26.11% 17.22% 43.33% 43.03% 56.97% 100%

(0.39) (0.31) (0.34) (0) (0.23) (0.2) (0) (3.74) (6.21) (4.7) (2.37) (2) (2.16)

At end of

the quarter

State Owned Banks SpecialisedBanks Private BanksForeign

Banks

All Banks

Source: Banking Regulation and Policy Department, Bangladesh Bank.

Note: 1. Figures in the parentheses represent rates of growth in percent over the preceding quarter.

2. Minor differences may observe due to rounding off.

xxiv

Table-13 (Contd.) Region-wise Position of Scheduled Bank Branches




xxv

Table-13 (Concld.) Region-wise Position of Scheduled Bank Branches




xxvi

Deposits Distributed by Account Types (All Banks)

0

50000

100000

150000

200000

250000

300000

350000

Cu

rren

t an

d C

ash

C

red

it A

cco

un

t

Dep

osit

s

Savin

gs D

ep

osit

s

Co

nvert

ible

Taka

Acco

un

t o

f

Fo

reig

ners

Fo

reig

n C

urr

en

cy

Acco

un

ts

Wag

e E

arn

er'

s

Dep

osit

s

Resid

en

t F

ore

ign

C

urr

en

cy D

ep

osit

s

Sp

ecia

l No

tice

Dep

osit

s

Fix

ed

Dep

osit

s

Recu

rrin

g D

ep

osit

s

Oth

er D

ep

osit

s

(Taka in Crore)

Sep-14

Dec-14

xxvii

Advances Classified by Economic Purposes

(All Banks)

0

50000

100000

150000

200000

250000

Ag

ricu

ltu

re, F

ishi

ng

& F

ore

str

y

Term

Lo

an

Wo

rkin

g C

ap

ital

Fin

an

cin

g

Co

nstr

ucti

on

Tra

nsp

ort

Tra

de &

C

om

merc

e

Co

nsu

mer

Fin

an

ce

Oth

ers

(Taka in Crore)

Sep-14Dec-14

xxviii

INDICATORS

xxix

Weighted Average Rates of Interest on Deposits

As on 31-12-2014

BanksAll

Deposits

Savings

Deposits

Special

Notice

Deposits

Fixed

Deposits

For

Less

than

6 Months

For 6

Months

to Less

than

1 Year

For 1

Year to

Less

than

2 Years

For 2

Years to

Less

than

3 Years

For 3

Years

and

Above

Other

Deposits

1 2 3 4 5 6 7 8 9 10

All Banks 7.07 4.7 5 9.55 8.62 9.11 9.84 10.58 11.36 3.83

State owned Banks 6.86 4.85 5.17 10.02 8.83 9.42 9.78 11 11.56 3

Private Banks (a+b) 7.05 4.53 4.88 9.39 8.59 9.02 9.93 10.12 11.25 4.06

a) Domestic 7.31 4.65 5.08 9.45 8.61 9.18 10.06 10.23 11.25 4.55

b) Foreign 3.63 3.02 3 8.03 7.91 6.86 8.09 9.78 9.75 0.33

Specialised Banks 8.24 5.75 5.37 9.57 8.71 8.85 9.56 9.98 11.56 4.91

Islamic Banks 7.57 4.81 3.73 9.37 8.6 9.26 10.31 9.04 10.16 5.91

Weighted Average Rates of Interest on Advances By Major Economic Purposes

As On 31-12-2014

Term

Loan

Working

Capital

Financing

1 2 3 4 5 6 7 8 9 10

All Banks 12.44 10.06 12.81 12.82 12.33 12.12 13.07 11.27 10.4 9.49

State Owned Banks 10.72 8.22 11.59 11.79 6.05 6.99 11.48 13.84 10.97 9.29

Private Banks (a+b) 13.11 11.98 13.41 13.07 14.24 13.58 13.6 11.29 10.25 11.28

a) Domestic 13.21 12.02 13.42 13.33 14.25 13.56 13.77 11.34 9.57 12.06

b) Foreign 11.46 11.67 13.37 10.86 12.86 14.12 9.06 10.24 14.76 9.32

Specialised Banks 9.64 9.93 9.76 11.29 7.64 4.36 9.82 8.05 10.02 7.46

Islamic Banks 12.29 12.35 12.92 12.84 14.57 13.5 13.94 11.22 2.46 14.23

Consumer

Finance

Miscell-

aneousBanks

Other

Institu-

tional

Loan

All

Advances

Agriculture

Fishing

&

Forestry

Industry

Construc

-tionTransport

Trade

&

Commerce

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