PAST FIVE YEARS AT A GLANCE (2014-2018) IN USD

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

Sl.No	Particulars	2014	2015	2016	2017	2018
	Exchange Rate : 1 USD=Taka	77.51	78.78	78.54	82.55	83.90
1.0	Authorised Capital	129.02	126.94	127.32	121.14	119.19
2.0	Own Fund :
	2.1 Paid-up Capital	10.27	10.61	10.87	10.44	10.70
	2.2 Capital and Other Reserve	127.04	131.90	146.32	162.65	197.12
	2.3 Miscellaneous	76.53	73.53	73.19	66.58	71.41
	2.4 Total :	213.84	216.04	230.38	239.67	279.23
3.0	Deposits	2193.28	2409.29	2544.02	2523.90	2700.44
4.0	Other Sources of Fund	168.29	162.25	130.42	122.54	134.45
5.0	Borrowings	17.30	16.24	15.49	16.60	27.17
6.0	Assets :
	6.1 Loan and Advances (Before Provision)	1182.34	1283.14	1576.64	1841.84	1944.62
	6.2 Investment	3.44	3.39	3.32	3.16	3.11
	6.3 Cash and Bank Balance	1233.12	1350.74	1198.15	934.79	1060.63
	6.4 Fixed Assets	19.70	19.20	19.06	18.18	17.99
	6.5 Other Aseets	154.11	147.35	123.14	104.74	114.93
	6.6 Total Assets	2592.71	2803.82	2920.31	2902.71	3141.29
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	374.44	397.97	408.90	425.62	471.11
10.0	Expenses :
	10.1 Salaries & Other Related Expenses	79.23	96.11	140.40	141.29	140.92
	10.2 Interest Expenses	193.61	203.38	193.29	191.64	205.39
	10.3 Other Expenses	34.43	32.23	32.15	33.40	40.45
	10.4 Provision Expenses	61.54	65.94	25.34	31.73	42.81
	10.5 Total Expenses	368.81	397.66	391.18	398.06	429.57
11.0	Net Profit	5.63	0.31	17.72	27.56	41.54
12.0	Provision Balance	128.22	127.95	97.34	90.07	99.27
13.0	Bad Debt	56.38	64.13	56.35	34.25	32.06
14.0	Bad Debt Recovery	8.09	27.90	13.37	13.95	10.21
15.0	Accumulated Disbursement (including housing loans)	13946.02	15615.42	18050.88	20017.33	22636.96
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

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Financial Intermediation Indicators (In billion USD)
Particulars	Year
	2014	2015	2016	2017	2018
	2014	2015	2016	2017	2018
Balance of Deposits	2.19	2.41	2.55	2.52	2.70
Balance of Loan & Advances	1.18	1.28	1.58	1.84	1.94
Balance of borrowings	0.02	0.02	0.02	0.02	0.03
Deposit to Loan Ratio	186%	188%	162%	137%	139%
Deposit to Borrowings Ratio	12687%	14844%	16393%	15208%	9937%

Pension Benefits Paid to Retiring Staff (In million USD)
Period	Number of Retiring Staff		Payment of Pension Benefit
	Yearly Total	Cummulative	Yearly Total	Cummulative
2014	145	9643	3.63	128.85
2015	85	9728	2.40	131.25
2016	416	10144	20.26	151.51
2017	419	10563	18.86	170.37
2018	403	10966	20.05	159.95

Sources of Fund as on 31st December 2018 (In million USD)
Sl.No	Particulars	Amount

1.0	Borrowings
	1.1 Domestic Borrowings
	1.1.1 Commercial Bank	14.16	14.16
	1.2 Foreign Borrowings
	1.2.1 Term Loans	6.45
	1.2.2 Loans at Perpetuity	6.56	13.01
	Total :		27.17
2.0	Deposits
	2.1 Borrowers’ Deposits	1874.90
	2.2 Non-Borrowers’ Deposits	825.54	2700.44
3.0	Own Fund
	3.1 Paid up Capital	10.70
	3.2 Capital & Other Reserve	197.12
	3.3 Miscellaneous	71.41	279.23
4.0	Other Sources		134.45
	Total :		3141.29