Past Five Years at a Glance (2014- 2018) In BDT

Past Five Years at a Glance (2014-2018) In million taka
Sl.No	Particulars	2014	2015	2016	2017	2018
1.0	Authorised Capital	10000	10000	10000	10000	10000
2.0	Own Fund :
	2.1 Paid-up Capital	796	836	854	862	898
	2.2 Capital and Other Reserve	9847	10391	11492	13427	16538
	2.3 Miscellaneous	5932	5793	5748	5496	5991
	2.4 Total :	16575	17020	18094	19785	23427
3.0	Deposits	170001	189804	199807	208348	226567
4.0	Other Sources of Fund	13044	12782	10243	10116	11280
5.0	Borrowings	1341	1279	1217	1370	2280
6.0	Assets :
	6.1 Loan and Advances (Before Provision)	91643	101086	123829	152044	163154
	6.2 Investment	267	267	261	261	261
	6.3 Cash and Bank Balance	95579	106411	94103	77167	88987
	6.4 Fixed Assets	1527	1513	1497	1501	1509
	6.5 Other Aseets	11945	11608	9671	8646	9643
	6.6 Total Assets	200961	220885	229361	239619	263554
7.0	Own Fund as Percentage of Loan & Advances	18%	17%	15%	13%	14%
8.0	Own Fund and Deposits as Percentage of Loan & Advances	204%	205%	176%	150%	153%
9.0	Total Income	29023	31352	32115	35135	39526
10.0	Expenses :
	10.1 Salaries & Other Related Expenses	6141	7572	11027	11664	11823
	10.2 Interest Expenses	15007	16022	15181	15820	17232
	10.3 Other Expenses	2669	2539	2525	2757	3394
	10.4 Provision Expenses	4770	5195	1990	2619	3592
	10.5 Total Expenses	28587	31328	30723	32860	36041
11.0	Net Profit	436	24	1392	2275	3485
12.0	Provision Balance	9938	10080	7645	7435	8329
13.0	Bad Debt	4370	5052	4426	2827	2690
14.0	Bad Debt Recovery	627	2198	1050	1152	857
15.0	Accumulated Disbursement (including housing loans)	1080956	1230183	1417716	1652431	1899241
16.0	Number of Employees	21807	21651	21043	18185	18105
17.0	Number of Members	8640225	8806779	8901610	8934874	9084503
18.0	Number of Centres	142613	142573	142087	140262	138143
19.0	Number of Villages	81390	81392	81395	81400	81677
20.0	Number of Branches	2568	2568	2568	2568	2568
	Note : Please Visit our Web Site http://www. kryptokasinorecommended.jp.net for more information.

Financial Intermediation Indicators (In billion taka)

Particulars	Year
Particulars	2014	2015	2016	2017	2018
Balance of Deposits	170.00	190.00	200.00	208.35	226.57
Balance of Loan & Advances	91.64	101.09	123.83	152.04	163.15
Balance of borrowings	1.34	1.28	1.22	1.37	2.28
Deposit to Loan Ratio	186%	188%	162%	137%	139%
Deposit to Borrowings Ratio	12687%	14844%	16393%	15208%	9937%

Pension Benefits Paid to Retired Employees (In million taka)
Period	Number of Retired Employees		Payment of Pension Benefits
Period	Yearly Total	Cummulative	Yearly Total	Cummulative
2014	145	9643	281	8401
2015	85	9728	189	8590
2016	416	10144	1591	10181
2017	419	10563	1557	11738
2018	403	10966	1682	13420

Sources of Fund as on 31st December 2018 (In million taka)

Sl.No		Particulars	Amount

1.0	Borrowings
	1.1	Domestic Borrowings
	1.1.1	Commercial Bank	1188	1188

	1.2	Foreign Borrowings
	1.2.1	Term Loans	541
	1.2.2	Loans at Perpetuity	551	1092
		Total :		2280

2.0	Deposits
	2.1	Borrowers’ Deposits	157304
	2.2	Non-Borrowers’ Deposits	69263	226567

3.0	Own Fund
	3.1	Paid up Capital	898
	3.2	Capital & Other Reserve	16538
	3.3	Miscellaneous	5991	23427

4.0		Other Sources		11280

		Total :		263554