INTRODUCTION - bb.org.bdAgrani Bank Limited. 2. Janata Bank Limited. 3. Rupali Bank Limited. 4....
Transcript of INTRODUCTION - bb.org.bdAgrani Bank Limited. 2. Janata Bank Limited. 3. Rupali Bank Limited. 4....
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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 December1986. 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 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. BSB & BSRS merged and renamed as 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. 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 lacs and conducting their affairs to the satisfaction of the Bangladesh Bank have been declared as 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 crores. From 30
th March‟
2003 it was Tk 100 crores. From 8th
October‟ 2007 it was Tk. 200 crores . From 11
th
August‟ 2011, it has been raised at the minimum of Tk. 400 crores ( as per Circular Letter No. BRPD (R-1) 717/ 2008 - 511 dated August 12, 2008).
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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. The Farmers 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.
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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 30st June 2013. At the end of
the period under study the total number of
reported bank branches including SME
service centers stood at 8490, which contains
only 66 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)
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) 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” and outstanding
advances and bills (excluding inter-bank
transactions) mainly in the form of “ by
Rates of Interest & Securities”, “by
Securities”, “by Size of Account”, “by
Economic Purposes” etc.
From the very inception, the
“Scheduled Banks Statistics” were being
collected and published on quarterly basis.
Later on from December, 1988 the collection
of data was done on half yearly basis and
publication made 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 now a days. To this end in
mind agricultural credit statistics time series
data were collected and presented pertaining
to the period from 1981-82 to 2012-13.
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 October-December,
2005, the Scheduled Banks were instructed to
follow the “Banking Statistics Guidelines”
fourth edition, published in September 2005.
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 September 2005.
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) Special Notice
Deposits, (i) Fixed Deposits, (j) Pension
Scheme Deposits, (k) Margin Deposits
(Foreign Currency/Taka), (l) Special Purpose
Deposits, (m) Negotiable Certificates of
Deposits 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
BRAC bank Ltd., a private bank has
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 is 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 is 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
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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.
i) Fixed Deposits: These are reclassified by
period of maturity and are exclusively
time deposits.
j) Deposits Pension Scheme: 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 interest.
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:
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 (Code no.-100) and deposits
withdrawable on sight while interest is
allowed on 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
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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 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.
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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 to 86: 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 87: Classification of Bills by sectors.
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A REVIEW ON DEPOSITS AND ADVANCES OF SCHEDULED BANKS
(AS ON END JUNE, 2013)
Banks’ Deposits:
Total deposit liabilities (excluding
interbank items) of the scheduled banks increased
by Tk.27220.01 crores or 5.00% to Tk. 572107.68
crores during the quarter April-June,2013 as
compared to increases of Tk. 12520.85 crores or
2.35% and Tk. 27712.36 crores or 6.04% in the
previous quarter (January-March,2013) and the
corresponding quarter (April-June, 2012) of the
last year respectively. The increase in deposits
during the quarter was due to increases in urban
deposits by Tk.21297.40 crores or 4.76% to Tk.
469016.83 crores and in rural deposits by
Tk. 5922.61 crores or 6.10% to Tk. 103090.85
crores. The share of urban deposits to total
deposits at the end of the quarter April-June,2013
was 81.98% as compared to 82.17% at the end of
the preceding quarter (January-March,2013) and
82.46% at the end of the corresponding quarter
(April-June,2012) of the last year. Bank deposits
registered an increase of Tk. 85700.47 crores or
17.62% from end June, 2012 to June, 2013 as
compared to an increase of Tk. 74821.66 crores or
18.18% from end June, 2011 to end June, 2012.
Banks' Advances:
Banks‟ advances increased by
Tk.10755.89 crores or 2.60% to Tk. 424804.47
crores during the quarter April-June, 2013 as
compared to increases of Tk. 3423.48 crores or
0.83% and Tk. 19825.80 crores or 5.42%
respectively during the preceding quarter
(January-March,2013) and the corresponding
quarter (April-June, 2012) of the last year. Bank
advances in urban areas increased by Tk. 9732.30
crores or 2.62% toTk. 381378.40 crores and in
rural areas increased by Tk. 1023.59 crores or
2.41% to Tk 43426.07 crores during the quarter
under review. Bank advances exhibited an
increase by Tk. 38871.33 crores or 10.07% from
end June, 2012 to end June, 2013 as compared to
an increase of Tk. 64648.27 crores or 20.12%
from end June, 2011 to end June, 2012.
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Bills:
Bills purchased and discounted by the banks
decreased by Tk. 341.99 crores or 1.37% to Tk
24701.75 crores during the quarter under review
as compared to decreases of Tk. 688.06 crores or
2.67% and Tk. 87.53 crores or 0.30% respectively
during the preceding quarter (January-March,
2013) and the corresponding quarter (April-June,
2012) of the last year.
Interest Rates (Weighted Average):
Weighted average rates of interest on
deposits and advances were 8.43% & 13.61%
respectively at the end of the quarter under review
as compared to 8.48% & 13.74% in January-
March, 2013 and 8.08% & 13.88% in April-June,
2012, 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 Crores)
At the end
of quarter
Deposits Advances Bills Weighted Weighted
Urban Rural Total Urban Rural Total Purchased
Average Interest Rate on
Average Interest Rate on
and Deposits Advances
Discounted
2012
Apr-Jun. 401096.95 85310.26 486407.21 345369.21 40563.93 385933.14 28765.95 8.08 13.88
82.46% 17.54% 100% 89.49% 10.51% 100%
(0.89) (39.51) (6.04) (2.08) (46.00) (5.42) (-0.30)
Jul-Sep. 414917.22 89123.82 504041.04 356979.96 41459.18 398439.14 26474.19 8.33 13.68
82.32% 17.68% 100% 89.59% 10.41% 100%
(3.45) (4.47) (3.63) (3.36) (2.21) (3.24) (-7.97)
Oct-Dec. 437748.54 94618.28 532366.82 368550.98 42074.12 410625.10 25731.80 8.37 13.85
82.23% 17.77% 100% 89.75% 10.25% 100%
(5.50) (6.16) (5.62) (3.24) (1.48) (3.06) (-2.80)
2013
Jan-Mar. 447719.43 97168.24 544887.67 371646.10 42402.48 414048.58 25043.74 8.48 13.74
82.17% 17.83% 100% 89.76% 10.24% 100%
(2.28) (2.69) (2.35) (0.84) (0.78) (0.83) (-2.67)
Apr-Jun. 469016.83 103090.85 572107.68 381378.40 43426.07 424804.47 24701.75 8.43 13.61
81.98% 18.02% 100% 89.78% 10.22% 100%
(4.76) (6.10) (5.00) (2.62) (2.41) (2.60) (-1.37)
Note: Figures in parentheses represent rates of growth in percent over the preceding quarter.
Minor differences may be observed due to rounding off.
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Banks' Credit: Total credit of the Scheduled banks
increased by Tk 10413.90 crores or 2.37% to Tk.
449506.22 crores during the quarter under review
as compared to increases of Tk. 2735.42 crores or
0.63% and Tk. 19738.27 crores or 5.00%
respectively during the preceding quarter
(January-March,2013) and the corresponding
quarter (April-June, 2012) of the last year.
Banks' Investment: The Scheduled banks' investment
increased by Tk. 21156.59 crores or 17.45% to
Tk. 142395.89 crores at the end of the quarter
April-June, 2013 as compared to increases of Tk.
8873.39 crores or 7.90% and Tk. 5493.95 crores
or 5.90% respectively during the preceding
quarter (January-March,2013) and the
corresponding quarter (April-June, 2012) 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. 369.20 crores or 3.77% to Tk. 9436.81 crores
as compared to a decrease of Tk. 5634.90 crores
or 36.49% and an increase of Tk. 2572.74 crores
or 13.48% respectively during the preceding
quarter (January-March,2013) and the
corresponding quarter (April-June, 2012) of the
last year. Quarterly position of the scheduled
banks' credit, investment and borrowings from the
Bangladesh Bank is shown in Table-2.
TABLE-2 SCHEDULED BANKS’CREDIT, INVESTMENT AND
BORROWING FROM BANGLADESH BANK
(Taka in Crores)
At the end Scheduled Banks' Credit Scheduled Banks' Investment Borrowings from
of quarter Advances Bills Total Govt. Others Total Bangladesh
Investment Bank
2012
Apr.-Jun 385933.14 28765.95 414699.09 80109.37 18542.54 98651.91 21664.74
93.06% 6.94% 100% 81.20% 18.80% 100%
(5.42) (-0.30) (5.00) (6.28) (4.28) (5.90) (13.48)
Jul.-Sep. 398439.14 26474.19 424913.33 81431.78 18231.09 99662.87 15290.81
93.77% 6.23% 100% 81.71% 18.29% 100%
(3.24) (-7.97) (2.46) (1.65) (-1.68) (1.02) (-29.42)
Oct.-Dec. 410625.10 25731.80 436356.90 89192.60 23173.31 112365.91 15440.91
94.10% 5.90% 100% 79.38% 20.62% 100%
(3.06) (-2.80) (2.69) (9.53) (27.11) (12.75) (0.98)
2013
Jan.-Mar. 414048.58 25043.74 439092.32 95366.18 25873.12 121239.30 9806.01
94.30% 5.70% 100% 78.66% 21.34% 100%
(0.83) (-2.67) (0.63) (6.92) (11.65) (7.90) (-36.49)
Apr.-Jun 424804.47 24701.75 449506.22 110190.55 32205.34 142395.89 9436.81
94.50% 5.63% 100% 77.38% 22.62% 100%
(2.60) (-1.37) (2.37) (15.54) (24.47) (17.45) (-3.77)
Note: Figures in parentheses represent rates of growth in percent over the preceding quarter.
Minor differences may be observed due to rounding off.
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Deposits by Category of Banks:
The increase of Tk. 27220.01 crores
or 5.00% in total deposit liabilities during the
quarter April-June, 2013 over the preceding
quarter January-March,2013 was shared by
increases in Private banks by Tk. 14292.72 crores
4.17%, State Owned banks by Tk. 11001.23
crores or 7.77%, Specialised banks by Tk.
2997.55 crores 10.94% and a decrease in Foreign
banks by Tk.1071.49 crores or 3.25%. The net
accretion in deposits during the quarter under
review over the same quarter (April-June, 2012)
of the last year amounting to Tk. 85700.47 crores
or 17.62% was due to increase in deposits of State
Owned banks by Tk. 24135.00 crores or 18.79%
in Private banks by 52719.09 crores or 17.31%,
in Specialised banks by Tk. 6207.67 crores or
25.67% and in Foreign banks by Tk. 2638.71
crores or 9.01%. Of the total deposits of Tk.
572107.68 crores at the end of the quarter under
review, the shares of State Owned banks,
Specialised banks, Foreign banks and Private
banks were Tk. 152567.01 crores (26.67%), Tk.
30386.33 crores (5.31%), Tk. 31915.90 crores
(5.58%) and Tk. 357238.44 crores (62.44%)
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
(Taka in Crores)
At the end State Specialised Foreign Private Banks Islamic All
of quarter owned Banks Banks (Including Banks Banks
Banks (Islamic Banks)
2012
Apr.-Jun. 128432.01 24178.66 29277.19 304519.35 84371.40 486407.21
26.40% 4.97% 6.02% 62.61% 17.35% 100%
(6.99) (7.89) (-2.62) (6.41) (8.95) (6.04)
Jul.-Sep. 131089.02 24238.62 31979.26 316734.14 88331.26 504041.04
26.01% 4.81% 6.34% 62.84% 17.52% 100%
(2.07) (0.25) (9.23) (4.01) (4.69) (3.63)
Oct.-Dec. 139066.58 25868.09 31097.77 336334.38 93915.57 532366.82
26.12% 4.86% 5.84% 63.18% 17.64% 100%
(6.09) (6.72) (-2.76) (6.19) (6.32) (5.62)
2013
Jan.-Mar. 141565.78 27388.78 32987.39 342945.72 95836.94 544887.67
25.98% 5.03% 6.05% 62.94% 17.59% 100%
(1.80) (5.88) (6.08) (1.97) (2.05) (2.35)
Apr.-Jun. 152567.01 30386.33 31915.90 357238.44 101201.58 572107.68
26.67% 5.31% 5.58% 62.44% 17.69% 100%
(7.77) (10.94) (-3.25) (4.17) (5.60) (5.00)
Note: Figures in parentheses represent rates of growth in percent over the preceding quarter.
Minor differences may be observed due to rounding off.
xii
Deposits by Types of Accounts:
Breakdown by types of deposits
accounts revealed that the share of fixed
deposits increased from 52.09% at the end of
the quarter January-March, 2013 to 52.10% at
the end of quarter April-June, 2013. The amount
of fixed deposits increased by Tk. 14212.80
crores or 5.01% to Tk. 298061.81 crores at
the end of the quarter under review as
compared to increases of Tk. 12443.72 crores
or 4.58% and Tk. 16482.60 crores or 7.36% at
the end of the preceding quarter (January-
March, 2013) and the corresponding quarter
(April-June, 2012) of the last year respectively.
The share of savings deposits to total deposits
decreased from 18.39% on the 31st March, 2013 to
17.36% on the 30th June, 2013. Deposits
distributed by types of accounts are shown in
Table-4.
xiii
.
TABLE-4 DEPOSITS DISTRIBUTED BY TYPES OF ACCOUNTS
(Taka in Crores)
At the end Current Deposits Savings Convertible Foreign Wage Resident Special Fixed Pension Negotiable Restricted Total
of quarter and Cash Withdraw- Deposits Taka Currency Earners' Foreign Notice Deposits Scheme Certificates (Blocked) Deposits
Credit able on Account of Accounts Deposits Currency Deposits Deposits of Deposits
Deposits Sight Foreigners Deposits Deposits
2012
Apr.-Jun. 42378.57 7881.41 93016.53 1496.06 3729.41 1707.90 3254.88 60594.58 240279.87 30324.93 1709.31 33.76 486407.21
8.71% 1.62% 19.12% 0.31% 0.77% 0.35% 0.67% 12.46% 49.40% 6.23% 0.35% 0.01% 100%
(3.78) (11.72) (1.82) (72.74) (0.14) (8.66) (3.20) (12.48) (7.36) (-1.35) (-0.17) (64.52) (6.04)
Jul.-Sep. 41129.06 7715.07 94522.51 1132.41 3575.64 1767.46 5107.97 59304.47 254964.99 33084.50 1707.39 29.57 504041.04
8.16% 1.53% 18.75% 0.22% 0.71% 0.35% 1.01% 11.77% 50.58% 6.56% 0.34% 0.01% 100%
(-2.95) (-2.11) (1.62) (-24.31) (-4.12) (3.49) (56.93) (-2.13) (6.11) (9.10) (-0.11) (-12.41) (3.63)
Oct.-Dec. 45362.99 8171.11 98667.35 1324.56 3653.97 1641.35 4333.80 60446.89 271405.29 35622.42 1710.13 26.96 532366.82
8.52% 1.53% 18.53% 0.25% 0.69% 0.31% 0.81% 11.35% 50.98% 6.69% 0.32% 0.01% 100%
(10.29) (5.91) (4.39) (16.97) (2.19) (-7.14) (-15.16) (1.93) (6.45) (7.67) (0.16) (-8.83) (5.62)
2013
Jan.-Mar. 41798.95 8240.63 100225.75 1120.64 2634.16 1621.43 4447.98 61990.16 283849.01 37244.93 1685.79 28.24 544887.67
7.67% 1.51% 18.39% 0.21% 0.48% 0.30% 0.82% 11.38% 52.09% 6.84% 0.31% 0.01% 100%
(-7.86) (0.85) (1.58) (-15.40) (-27.91) (-1.21) (2.63) (2.55) (4.58) (4.55) (-1.42) (4.75) (2.35)
Apr.-Jun. 45468.39 7985.30 99316.22 1243.13 3091.41 1356.48 5651.48 67281.65 298061.81 40941.78 1670.02 40.01 572107.68
7.95% 1.40% 17.36% 0.22% 0.54% 0.24% 0.99% 11.76% 52.10% 7.16% 0.29% 0.01% 100%
(8.78) (-3.10) (-0.91) (10.93) (17.36) (-16.34) (27.06) (8.54) (5.01) (9.93) (-0.94) (41.68) (5.00)
Note: Figures in parentheses represent rates of growth in percent over the preceding quarter.
Minor differences may be observed due to rounding off.
Special Notice deposits include Margin deposits & Special purpose deposits.
xiv
Sector-wise Deposits:
The share of private sector deposits
(84.33%) was 5.38 times more than that of the
public sector deposits (15.67%) at the end of the
quarter April-June,2013. Deposits in the private
sector increased by Tk. 25708.43 crores or 5.63%
to Tk. 482462.54 crores at the end of the quarter
under review as compared to increases of Tk.
6879.00 crores or 1.53% and Tk. 21285.63 crores
or 5.62% at the end of the preceding quarter
(January-March,2013) and the corresponding
quarter (April-June,2012) of the last year
respectively. Deposits in the public sector
increased by Tk. 1511.58 crores or 1.72% to Tk.
89645.14 crores at the end of the quarter under
review as compared to increases of Tk. 5641.85
crores or 6.84% and increases of Tk. 6426.73
crores or 8.05% at the preceding quarter (January-
March,2013) and the corresponding quarter
(April-June,2012) of the last year respectively.
Government deposits in the public sector
increased by Tk. 4157.61 crores or 16.29% to Tk.
29680.46 crores as compared to increases of Tk.
664.04 crores or 2.67% and Tk. 1403.46 crores or
5.87% at the end of the preceding quarter
(January-March,2013) and the corresponding
quarter (April-June,2012) 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
(Taka in Crores)
At the end Public Sector Private Total Ratio
of quarter Government Other than Total Sector Deposits (Public/Private)
Government (Public + Private)
2012
Apr.-Jun. 25320.78 60918.52 86239.30 400167.91 486407.21 0.22
5.21% 12.52% 17.73% 82.27% 100%
(5.87) (8.99) (8.05) (5.62) (6.04)
Jul.-Sep. 25876.63 54689.11 80565.74 423475.30 504041.04 0.19
5.13% 10.85% 15.98% 84.02% 100%
(2.20) (-10.23) (-6.58) (5.82) (3.63)
Oct.-Dec. 24858.81 57632.90 82491.71 449875.11 532366.82 0.18
4.67% 10.83% 15.50% 84.50% 100%
(-3.93) (5.38) (2.39) (6.23) (5.62)
2013
Jan.-Mar. 25522.85 62610.71 88133.56 456754.11 544887.67 0.19
4.68% 11.49% 16.17% 83.83% 100%
(2.67) (8.64) (6.84) (1.53) (2.35)
Apr.-Jun. 29680.46 59964.68 89645.14 482462.54 572107.68 0.19
5.19% 10.48% 15.67% 84.33% 100%
(16.29) (-4.23) (1.72) (5.63) (5.00)
Note: Figures in parentheses represent rates of growth in percent over the preceding quarter.
Minor differences may be observed due to rounding off.
xv
Division-wise Urban/Rural Deposits:
Distribution of deposits by administrative areas revealed that
Dhaka Division contributed more than half (64.48%) of the total
deposits and the share of urban deposits in this division was 55.73% at
the end of the quarter under review. The deposits in this division
increased by 6.25% to Tk. 368876.69 crores at the end of the quarter
April-June,2013 as compared to increases of 1.27% and 6.08% at the
end of preceding quarter January-March,2013 and the corresponding
quarter of the last year (April-June,2012) respectively. The share of
deposits in Barisal Division (1.76%) was 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 Crores)
At the end Chittagong Division Dhaka Division Khulna Division Rajshahi Division
of quarter Urban Rural Total Urban Rural Total Urban Rural Total Urban Rural Total
2012
Apr.-Jun. 73607.21 21769.85 95377.06 271950.45 41052.84 313003.29 14543.58 5044.99 19588.57 14006.29 4474.30 18480.59
15.13% 4.48% 19.61% 55.91% 8.44% 64.35% 2.99% 1.04% 4.03% 2.88% 0.92% 3.80%
(0.23) (22.37) (4.55) (0.52) (67.56) (6.08) (4.31) (14.64) (6.79) (6.33) (17.92) (8.92)
Jul.-Sep. 76574.56 22776.99 99351.55 281587.96 43142.56 324730.52 14949.47 5200.82 20150.29 14135.54 4634.21 18769.75
15.19% 4.52% 19.71% 55.87% 8.56% 64.43% 2.97% 1.03% 4.00% 2.80% 0.92% 3.72%
(4.03) (4.63) (4.17) (3.54) (5.09) (3.75) (2.79) (3.09) (2.87) (0.92) (3.57) (1.56)
Oct.-Dec. 79952.62 24144.04 104096.66 297118.75 45737.02 342855.77 16044.11 5615.79 21659.90 15238.10 5057.71 20295.81
15.02% 4.54% 19.55% 55.81% 8.59% 64.40% 3.01% 1.05% 4.07% 2.86% 0.95% 3.81%
(4.41) (6.00) (4.78) (5.52) (6.01) (5.58) (7.32) (7.98) (7.49) (7.80) (9.14) (8.13)
2013
Jan.-Mar. 83838.78 25155.14 108993.92 299950.85 47243.11 347193.96 16507.49 5706.16 22213.65 15617.91 5028.40 20646.31
15.39% 4.62% 20.00% 55.05% 8.67% 63.72% 3.03% 1.05% 4.08% 2.87% 0.92% 3.79%
(4.86) (4.19) (4.70) (0.95) (3.29) (1.27) (2.89) (1.61) (2.56) (2.49) (-0.58) (1.73)
Apr.-Jun. 84567.22 26560.48 111127.70 318848.46 50028.23 368876.69 17581.55 6151.11 23732.66 16639.73 5436.22 22075.95
14.78% 4.64% 19.42% 55.73% 8.74% 64.48% 3.07% 1.08% 4.15% 2.91% 0.95% 3.86%
(0.87) (5.59) (1.96) (6.30) (5.90) (6.25) (6.51) (7.80) (6.84) (6.54) (8.11) (6.92)
Note: Figures in parentheses represent rates of growth in percent over the preceding quarter.
Minor differences may be shown due to rounding off.
xvi
TABLE-6 (Concld.)
DIVISION-WISE URBAN/RURAL DISTRIBUTION OF DEPOSITS
(Taka in Crores)
At the end Barisal Division Sylhet Division Rangpur Division All Divisions
of quarter Urban Rural Total Urban Rural Total Urban Rural Total Urban Rural Total
2012
Apr-Jun. 5815.09 2610.22 8425.31 14705.67 7853.39 22559.06 6468.66 2504.67 8973.33 401096.95 85310.26 486407.21
1.20% 0.54% 1.73% 3.02% 1.61% 4.64% 1.33% 0.51% 1.84% 82.46% 17.54% 100%
(4.95) (24.76) (10.38) (-1.25) (20.54) (5.38) (7.73) (21.80) (11.32) (0.89) (39.51) (6.04)
Jul-Sep. 5928.69 2672.19 8600.88 15270.61 8219.13 23489.74 6470.39 2477.92 8948.31 414917.22 89123.82 504041.04
1.18% 0.53% 1.71% 3.03% 1.63% 4.66% 1.28% 0.49% 1.78% 82.32% 17.68% 100%
(1.95) (2.37) (2.08) (3.84) (4.66) (4.13) (0.03) (-1.07) (-0.28) (3.45) (4.47) (3.63)
Oct-Dec. 6319.35 2793.03 9112.38 15986.57 8519.52 24506.09 7089.04 2751.17 9840.21 437748.54 94618.28 532366.82
1.19% 0.52% 1.71% 3.00% 1.60% 4.60% 1.33% 0.52% 1.85% 82.23% 17.77% 100%
(6.59) (4.52) (5.95) (4.69) (3.65) (4.33) (9.56) (11.03) (9.97) (5.50) (6.16) (5.62)
2013
Jan.-Mar. 6429.39 2907.85 9337.24 16331.41 8553.03 24884.44 9043.60 2574.55 11618.15 447719.43 97168.24 544887.67
1.18% 0.53% 1.71% 3.00% 1.57% 4.57% 1.66% 0.47% 2.13% 82.17% 17.83% 100%
(1.74) (4.11) (2.47) (2.16) (0.39) (1.54) (27.57) (-6.42) (18.07) (2.28) (2.69) (2.35)
Apr-Jun. 6942.79 3105.95 10048.74 16933.76 8937.20 25870.96 7503.32 2871.66 10374.98 469016.83 103090.85 572107.68
1.21% 0.54% 1.76% 2.96% 1.56% 4.52% 1.31% 0.50% 1.81% 81.98% 18.02% 100%
(7.99) (6.81) (7.62) (3.69) (4.49) (3.96) (-17.03) (11.54) (-10.70) (4.76) (6.10) (5.00)
Note: Figures in parentheses represent rates of growth in percent over the preceding quarter.
Minor differences may be shown due to separate rounding off.
xvii
Advances by Category of Banks:
The State owned Banks accounted
for 20.28% of the total advances at the end of the
quarter under review. Advances made by State
owned banks decreased by 1.23% to Tk.86166.38
crores at the end of the quarter under review as
compared to increases of 0.81% and 5.10% at the
end of the preceding quarter (January-March,
2013) and the corresponding quarter (April-
June,2012) of the last year respectively. The share
of Specialised banks‟ advances increased to
6.19% on the 30th June‟2013 from 2.10% on the
31st March‟2013. Advances classified by category
of banks are shown in Table-7.
TABLE -7
ADVANCES CLASSIFIED BY CATEGORY OF BANKS
(Taka in Crores)
At the end State Specialised Foreign Private Banks Islamic All
of quarter owned Banks Banks (including Banks Banks
Banks Islamic Banks)
2012
Apr.-Jun. 81313.85 25967.94 21772.55 256878.80 78046.24 385933.14
21.07% 6.73% 5.64% 66.56% 20.22% 100%
(5.10) (10.13) (5.70) (5.04) (5.06) (5.42)
Jul.-Sep. 83538.79 26304.57 21541.08 267054.70 82428.26 398439.14
20.97% 6.60% 5.41% 67.03% 20.69% 100%
(2.74) (1.30) (-1.06) (3.96) (5.61) (3.24)
Oct.-Dec. 86543.14 27380.30 21715.06 274986.60 86049.74 410625.10
21.08% 6.67% 5.29% 66.97% 20.96 100%
(3.60) (4.09) (0.81) (2.97) (4.39) (3.06)
2013
Jan.-Mar. 87242.58 27954.65 20610.13 278241.22 88287.15 414048.58
21.07% 6.75% 4.98% 67.20% 21.32% 100%
(0.81) (2.10) (-5.09) (1.18) (2.60) (0.83)
Apr.-Jun. 86166.38 29685.57 21302.08 287650.44 89217.98 424804.47
20.28% 6.99% 5.01% 67.71% 21.00% 100%
(-1.23) (6.19) (3.36) (3.38) (1.05) (2.60)
Note: Figures in parentheses represent rates of growth in percent over the preceding quarter.
Minor differences may be observed due to rounding off.
xviii
Sector-wise advances:
Advances in the private sector increased
by Tk. 11320.43 crores or 2.81% to Tk.413572.95
crores at end of the quarter (April-June, 2013) as
compared to increases of Tk. 3504.53 crores or
0.88% and Tk. 22293.88 crores or 6.31% at the
preceding quarter (January-March,2013) and the
corresponding quarter (April-June,2012) of the
last year respectively. Loans to the public sector
decreased by Tk. 564.54 crores or 4.79% to Tk.
11231.52 crores as compared to decreases of Tk.
81.05 crores or 0.68% and Tk. 2468.08 crores or
19.37% during the respective periods &
corresponds quarters. The decrease in advances to
public sector was due to decrease in ' Government'
sector by Tk. 457.31 crores or 13.65% to Tk.
2892.29 crores and „Other Than Government'
sector loans decreased by Tk. 107.23 crores or
1.27% to Tk. 8339.23 crores. 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
(Taka in Crores)
At the end Public Sector Private Total Ratio
of quarter Government Other than Total Sector Advances (Public/Private)
Government (Public + Private)
2012
Apr.-Jun. 2414.62 7855.78 10270.40 375662.74 385933.14 0.03
0.63% 2.04% 2.66% 97.34% 100%
(0.99) (-24.08) (-19.37) (6.31) (5.42)
Jul.-Sep. 3542.36 8896.38 12438.74 386000.40 398439.14 0.03
0.89% 2.23% 3.12% 96.88% 100%
(46.70) (13.25) (21.11) (2.75) (3.24)
Oct.-Dec. 3968.06 7909.05 11877.11 398747.99 410625.10 0.03
0.97% 1.93% 2.89% 97.11% 100%
(12.02) (-11.10) (-4.52) (3.30) (3.06)
2013
Jan.-Mar. 3349.60 8446.46 11796.06 402252.52 414048.58 0.03
0.81% 2.04% 2.85% 97.15% 100%
(-15.59) (6.79) (-0.68) (0.88) (0.83)
Apr.-Jun. 2892.29 8339.23 11231.52 413572.95 424804.47 0.03
0.68% 1.96% 2.64 97.36% 100%
(-13.65) (-1.27) (-4.79) (2.81) (2.60)
Note: Figures in parentheses represent rates of growth in percent over the preceding quarter.
Minor differences may be observed due to rounding off.
xix
Economic purpose-wise advances:
Bulk of Advances (37.51%) was used
for „Trade‟ purpose followed by advances for
„Industry‟ (21.15%) and 'Working Capital
Financing' (13.43%) at the end of the quarter
April-June, 2013. Trade loans increased by Tk.
1580.53 crores or 1.00% to Tk. 159356.89 crores
and 'Industrial' loans also increased by Tk.
6158.13 crores or 7.36% to Tk.89833.84 crores at
the end of the quarter under review as compared
to decreases of 0.47% & 0.22% respectively at the
end of the preceding quarter (January-March,
2013) and increases of 6.18% & 4.95%
respectively at the corresponding quarter (April-
June, 2012) of the last year. „Transport and
communication‟ loans increased by 0.25% to Tk.
9048.23 crores and „Agriculture‟ loans increased
by 3.03% to Tk. 22971.10 crores as compared to a
decreases of 2.76% & an increases of 11.98% at
the end of the preceding quarter (January-March,
2013) and an increase of 1.45% & 10.56% at the
corresponding quarter (April-June,2012) of the
last year respectively. 'Construction' loan
increased by 1.32 % to Tk. 38627.40 crores and
„Working Capital Financing' loan increased by
3.41% to Tk. 57047.66 crores respectively at the
end of the quarter under review. 'Others' loans
showed a decrease of Tk. 66.55 crores to Tk.
47919.35 crores 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 (Taka in Crores)
At the end Agriculture, Industry Working Construction Transport & Trade Others Total
of quarter Fishing & Capital Communi-
Forestry Financing cation
2012
Apr.-Jun. 20930.18 79625.96 50006.71 32034.36 7974.07 149134.74 46227.12 385933.14
5.42% 20.63% 12.96% 8.30% 2.07% 38.64% 11.98% 100%
(10.56) (4.95) (1.33) (0.51) (1.45) (6.18) (10.66) (5.42)
Jul.-Sep. 20933.85 77482.84 55602.95 33981.34 9714.16 153604.21 47119.79 398439.14
5.25% 19.45% 13.96% 8.53% 2.44% 38.55% 11.83% 100%
(0.02) (-2.69) (11.19) (6.08) (21.82) (3.00) (1.93) (3.24)
Oct.-Dec. 19909.82 83861.05 54908.54 37333.05 9281.85 158520.82 46809.97 410625.10
4.85% 20.42% 13.37% 9.09% 2.46% 38.60% 11.40% 100%
(-4.89) (8.23) (-1.25) (9.86) (-4.45) (3.20) (-0.66) (3.06)
2013
Jan.-Mar. 22294.56 83675.71 55167.41 38123.02 9025.62 157776.36 47985.90 414048.58
5.38% 20.21% 13.32% 9.21% 2.18% 38.11% 11.59% 100%
(11.98) (-0.22) (0.47) (2.12) (-2.76) (-0.47) (2.51) (0.83)
Apr.-Jun. 22971.10 89833.84 57047.66 38627.40 9048.23 159356.89 47919.35 424804.47
5.41% 21.15% 13.43% 9.09% 2.13% 37.51% 11.28% 100%
(3.03) (7.36) (3.41) (1.32) (0.25) (1.00) (-0.14) (2.60)
Note: Figures in parentheses represent rates of growth in percent over the preceding quarter.
Minor differences may be observed due to rounding off.
xx
Security-wise Advances:
An analysis of advances classified by
securities revealed that 53.54% of the total loans
were outstanding against 'Real Estate‟ and 8.08%
loans against „Merchandise‟ at the end of the
quarter under review. Advances against „Real
Estate‟ increased by 9.23% to Tk. 227427.18
crores and that against 'Machinery' decreased by
0.64% to Tk. 30566.87 crores at the end of the
quarter April-June, 2013. 'Other items' which
includes (i) Crops / Stock of crops hypothecation,
(ii) Guarantee of individual institution (iii) Other
secured and unsecured advances recorded a
decreases of 7.81% to Tk. 100248.81 crores at the
end of the quarter April-June, 2013 as compared
to increases of 0.84% and 7.43% at the end of
the preceding quarter (January-March, 2013) and
the corresponding quarter (April-June,2012) of the
last year respectively. Security wise classification
of advances is shown in Table-10.
TABLE - 10
SECURITY-WISE CLASSIFICATION OF ADVANCES
(Taka in Crores)
At the end Gold and Shares & Merchan- Machinery Real Financial
of quarter Gold Securities dise & Other Estate Obligation Others Total
Ornaments fixed assets
2012
Apr.-Jun. 0.04 911.28 42988.17 44858.64 167739.34 23805.71 105629.96 385933.14
0.00% 0.24% 11.14% 11.62% 43.46% 6.17% 27.37% 100%
(0.00) (18.13) (6.56) (-2.71) (5.77) (8.38) (7.43) (5.42)
Jul.-Sep. 0.04 1133.40 46505.48 42420.43 168514.39 22709.74 117155.66 398439.14
0.00% 0.28% 11.67% 10.65% 42.29% 5.70% 29.40% 100%
(0.00) (24.37) (8.18) (-5.44) (0.46) (-4.60) (10.91) (3.24)
Oct.-Dec. 0.06 1440.35 43533.22 45022.66 185120.04 27677.28 107831.49 410625.10
0.00% 0.35% 10.60% 10.96% 45.08% 6.74% 26.26% 100%
(50.00) (27.08) (-6.39) (6.13) (9.85) (21.87) (-7.96) (3.06)
2013
Jan.-Mar. 0.07 1608.12 40965.49 30763.46 208216.2 23757.57 108737.67 414048.58
0.00% 0.39% 9.89% 7.43% 50.29% 5.74% 26.26% 100%
(16.67) (11.65) (-5.90) (-31.67) (12.48) (-14.16) (0.84) (0.83)
Apr.-Jun. 0.06 2100.09 34330.06 30566.87 227427.18 30131.40 100248.81 424804.47
0.00% 0.49% 8.08% 7.20% 53.54% 7.09% 23.60% 100%
(-14.29) (30.59) (-16.20) (-0.64) (9.23) (26.83) (-7.81) (2.60)
Note: Figures in parentheses represent rates of growth in percent over the preceding quarter.
Minor differences may be observed due to rounding off.
xxi
Division-wise Urban/Rural Advances: Division-wise break-up of advances revealed that Dhaka Division
consumed 67.10% of total advances of which the share of urban and
rural stood at 62.40% and 4.69% respectively at the end of the quarter
April-June, 2013. The loans in Dhaka Division increased by 2.82% to
Tk. 285035.79 crores and in Chittagong Division increased by 2.26% to
Tk. 84630.77 crores and in Khulna Division decreased by 0.84% to Tk.
18127.86 crores during the quarter under review. The loans in Sylhet
Division decreased by 0.33% to Tk. 6332.16 crores, in Barisal Division
increased by 2.27% to Tk. 4592.86 crores, in Rajshahi Division
increased by 4.13% to Tk. 16409.42 crores, and that in Rangpur
Division increased by 5.44% to Tk. 9675.61 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 Crores)
At the end
of quarter
Chittagong Division Dhaka Division Khulna Division Rajshahi Division
Urban Rural Total Urban Rural Total Urban Rural Total Urban Rural Total
2012
Apr.-Jun. 67573.29 8246.97 75820.26 240730.47 18683.73 259414.20 12678.97 4208.15 16887.12 11698.73 3100.34 14799.07
17.51% 2.14% 19.65% 62.38% 4.84% 67.22% 3.29% 1.09% 4.38% 3.03% 0.80% 3.83%
(1.31) (66.51) (5.82) (2.59) (59.97) (5.31) (-6.91) (51.26) (2.96) (3.94) (20.14) (6.96)
Jul.-Sep. 70988.99 8813.45 79802.22 247586.44 18917.63 266504.07 13937.86 4388.04 18325.90 11849.40 3045.10 14894.50
17.82% 2.21% 20.03% 62.14% 4.75% 66.89% 3.50% 1.10% 4.60% 2.97% 0.76% 3.74%
(5.05) (6.87) (5.25) (2.85) (1.25) (2.73) (9.93) (4.27) (8.52) (1.29) (-1.78) (0.64)
Oct.-Dec. 73228.85 8800.01 82028.86 255844.78 19503.52 275348.30 14000.85 4200.60 18201.45 12286.51 3197.55 15484.06
17.83% 2.14% 19.98% 62.31% 4.75% 67.06% 3.41% 1.02% 4.43% 2.99% 0.78% 3.77%
(3.16) (-0.15) (2.79) (3.34) (3.10) (3.32) (0.45) (-4.27) (-0.68) (3.69) (5.01) (3.96)
2013
Jan.-Mar. 73902.69 8854.12 82756.81 257800.41 19430.44 277230.85 13879.49 4402.17 18281.66 12580.48 3177.55 15758.03
17.85% 2.14% 19.99% 62.26% 4.69% 66.96% 3.35% 1.06% 4.42% 3.04% 0.77% 3.81%
(0.92) (0.61) (0.89) (0.76) (-0.37) (0.68) (-0.87) (4.80) (0.44) (2.39) (-0.63) (1.77)
Apr.-Jun. 75661.36 8969.41 84630.77 265097.34 19938.45 285035.79 13648.28 4479.58 18127.86 13046.08 3363.34 16409.42
17.81% 2.11% 19.92% 62.40% 4.69% 67.10% 3.21% 1.05% 4.27% 3.07% 0.79% 3.86%
(2.38) (1.30) (2.26) (2.83) (2.61) (2.82) (-1.67) (1.76) (-0.84) (3.70) (5.85) (4.13)
Note: Figures in parentheses represent rates of growth in percent over the preceding quarter.
Minor differences may be observed due to rounding off.
xxii
TABLE-11(Concld.)
DIVISION-WISE URBAN/RURAL CLASSIFICATION OF ADVANCES
(Taka in Crores)
At the end Barisal Division Sylhet Division Rangpur Division All Divisions
of quarter Urban Rural Total Urban Rural Total Urban Rural Total Urban Rural Total
2012
Apr.-Jun. 2443.29 1713.26 4156.55 4371.15 1692.38 6063.53 5873.31 2919.10 8792.41 345369.21 40563.93 385933.14
0.63% 0.44% 1.08% 1.13% 0.44% 1.57% 1.52% 0.76% 2.28% 89.49% 10.51% 100%
(-1.69) (22.09) (6.89) (1.64) (9.92) (3.82) (10.59) (2.59) (7.80) (2.08) (46.00) (5.42)
Jul.-Sep. 2450.19 1722.73 4172.92 4318.75 1696.73 6015.48 5848.33 2875.50 8723.83 356979.96 41459.18 398439.14
0.61% 0.43% 1.05% 1.08% 0.43% 1.51% 1.47% 0.72% 2.19% 89.9% 10.41% 100%
(0.28) (0.55) (0.39) (-1.20) (0.26) (-0.79) (-0.43) (-1.49) (-0.78) (3.36) (2.21) (3.24)
Oct.-Dec. 2584.47 1678.97 4263.44 4490.93 1712.36 6203.29 6114.59 2981.11 9095.70 368550.98 42074.12 410625.10
0.63% 0.41% 1.04% 1.09% 0.42% 1.51% 1.49% 0.73% 2.22% 89.75% 10.25% 100%
(5.48) (-2.54) (2.17) (3.99) (0.92) (3.12) (4.55) (3.67) (4.26) (3.24) (1.48) (3.06)
2013
Jan.-Mar. 2675.11 1815.95 4491.06 4573.54 1779.82 6353.36 6234.38 2942.43 9176.81 371646.10 42402.48 414048.58
0.65% 0.44% 1.08% 1.10% 0.43% 1.53% 1.51% 0.71% 2.22% 89.76% 10.24% 100%
(3.51) (8.16) (5.34) (1.84) (3.94) (2.42) (1.96) (-1.30) (0.89) (0.84) (0.78) (0.83)
Apr.-Jun. 2747.36 1845.50 4592.86 4513.57 1818.59 6332.16 6664.41 3011.20 9675.61 381378.40 43426.07 424804.47
0.65% 0.43% 1.08% 1.06% 0.43% 1.49% 1.57% 0.71% 2.28% 89.78% 10.22% 100%
(2.70) (1.63) (2.27) (-1.31) (2.18) (-0.33) (6.90) (2.34) (5.44) (2.62) (2.41) (2.60)
Note: Figures in parentheses represent rates of growth in percent over the preceding quarter.
Minor differences may be observed due to rounding off.
xxiii
Division-wise Advances / Deposits Ratio:
Ratio of Advances to deposits in
Chittagong, Dhaka, Khulna, Rajshahi, Barisal
,Sylhet and Rangpur Division were 0.76, 0.77,
0.76, 0.74, 0.46, 0.24 and 0.93 respectively at the
end of the quarter under review as compared to
0.76, 0.80, 0.82, 0.76, 0.48, 0.26 and 0.79
respectively at the end of the previous quarter
(January-March,2013). Table-11A shows the
Division-wise Advance/ Deposit Ratio.
Growth of Scheduled Bank Branches:
The number of scheduled bank branches
in the country increased by 52 or 0.62% to 8427
during the quarter April-June,2013 as compared to
increased by 53 or 0.64% to 8375 and 61 or
0.76% to 8059 during the preceding quarter
(January-March,2013) and the corresponding
quarter (April-June,2012) of the last year
respectively. The share of rural branches during
the quarter was 57.28%. The number of urban
branches increased by 19 or 0.53% during the
quarter under review as compared to an increase
by 19 or 0.53% during the preceding quarter
(January-March,2013). The number of branch
licenses held unutilised by the banks changed
from 55 to 87 (urban branches 46 and rural
branches 41) at the end of the quarter under
review as compared to the end of the preceding
quarter (January-March,2013). During the quarter
under review 50 urban and 34 rural branches
licenses were issued. The growth of bank
branches of State Owned Banks, Specialised
Banks, Foreign Banks and Private Banks and is
shown in Table-12. Division/Area-wise
distribution of bank branches is shown in Table-
13.
TABLE-11-A
DIVISION-WISE ADVANCE/DEPOSIT RATIO
( Taka in Crores)
April-June’2013 January-March’2013
Divisions Advances Deposits Ratio Advances Deposits Ratio
Chittagong 84630.77 111127.70 0.76 82756.81 108993.92 0.76
Dhaka 285035.79 368876.69 0.77 277230.85 347193.96 0.80
Khulna 18127.86 23732.66 0.76 18281.66 22213.65 0.82
Rajshahi 16409.42 22075.95 0.74 15758.03 20646.31 0.76
Barisal 4592.86 10048.74 0.46 4491.06 9337.24 0.48
Sylhet 6332.16 25870.96 0.24 6353.36 24884.44 0.26
Rangpur 9675.61 10374.98 0.93 9176.81 11618.15 0.79
Grameen Bank: A total of 2,567 branches of
Grameen Bank were in operation at the end of
June, 2013. It has extended its services to 81,387
villages of Bangladesh where in 84,25,146
members (3,21,194 males and 81,03,952 females)
were organised into groups for providing financial
assistance.
xxiv
TABLE-12
NUMBER OF SCHEDULED BANK BRANCHES OPERATING IN BANGLADESH
At the end
of quarter
State
Owned Banks
Specialised
Banks
Foreign
Banks
Private
Banks
All
Banks
Urban Rural Total Urban Rural Total Total Urban Rural Total Urban Rural Total
2012
Apr.-Jun. 1247 2202 3449 168 1249 1417 63 1974 4456 3130 3452 4607 8059
15.47% 27.32% 42.80% 2.08% 15.50% 17.58% 0.78% 24.49% 14.34% 38.84% 42.83% 57.17% 100%
(0.16) (0.23) (0.20) (0.60) (0.08) (0.14) (0.00) (1.44) (2.12) (1.69) (0.91) (0.66) (0.76)
Jul.-Sep. 1248 2207 3455 171 1254 1425 63 2001 1174 3175 3483 4635 8118
15.37% 27.19% 42.56% 2.11% 15.45% 17.55% 0.78% 24.65% 14.46% 39.11% 42.90% 57.10% 100%
(0.08) (0.23) (0.17) (1.79) (0.40) (0.56) (0.00) (1.37) (1.56) (1.44) (0.90) (0.61) (0.73)
Oct.-Dec. 1253 2225 3478 175 1265 1440 65 2069 1270 3339 3562 4760 8322
15.06% 26.74% 41.79% 2.10% 15.20% 17.30% 0.78% 24.86% 15.26% 40.12% 42.80% 57.20% 100%
(0.40) (0.82) (0.67) (2.34) (0.88) (1.05) (3.17) (3.40) (8.18) (5.17) (2.27) (2.70) (2.51)
2013
Jan.-Mar. 1260 2232 3492 176 1284 1460 66 2079 1278 3357 3581 4794 8375
15.04% 26.65% 41.70% 2.10% 15.33% 17.43% 0.79% 24.82% 15.26% 40.08% 42.76% 57.24% 100%
(0.56) (0.31) (0.40) (0.57) (1.50) (1.39) (1.54) (0.48) (0.63) (0.54) (0.53) (0.71) (0.64)
Apr.-Jun. 1262 2237 3499 176 1300 1476 66 2096 1290 3386 3600 4827 8427
14.98% 26.55% 41.52% 2.09% 15.43% 17.52% 0.78% 24.87% 15.31% 40.18% 42.72% 57.28% 100%
(0.16) (0.22) (0.20) (0.00) (1.25) (1.10) (0.00) (0.82) (0.94) (0.86) (0.53) (0.69) (0.62)
Note: Figures in the parentheses represent rates of growth in percent over the preceding quarter.
Minor differences may observed due to rounding off.
xxv
TABLE-13(Contd..)
REGION-WISE POSITION OF SCHEDULED BANK BRANCHES
At the end
of quarter
Chittagong Division Dhaka Division Khulna Division Rajshahi Division
Urban Rural Total Urban Rural Total Urban Rural Total Urban Rural Total
2012
Apr.-Jun. 752 1055 1807 1542 1305 2847 314 507 821 318 591 909
9.33% 13.09% 22.42% 19.13% 16.19% 35.33% 3.90% 6.29% 10.19% 3.95% 7.33% 11.28%
(0.80) (1.15) (1.01) (0.85) (0.77) (0.81) (0.96) (0.20) (0.49) (0.95) (0.51) (0.66)
Jul.-Sep. 756 1065 1821 1558 1317 2875 317 507 824 319 594 913
9.31% 13.12% 22.43% 19.19% 16.22% 35.42% 3.90% 6.25% 10.15% 3.93% 7.32% 11.25%
(0.53) (0.92) (0.77) (1.04) (0.92) (0.98) (0.96) (0.00) (0.37) (0.31) (0.51) (0.44)
Oct.-Dec. 781 1089 1870 1591 1385 2976 324 511 835 321 605 926
9.38% 13.09% 22.47% 19.12% 16.64% 35.76% 3.89% 6.14% 10.03% 3.86% 7.27% 11.13%
(3.31) (2.25) (2.69) (2.12) (5.16) (3.51) (2.21) (0.79) (1.33) (0.63) (1.85) (1.42)
2013
Jan.-Mar. 782 1101 1883 1601 1404 3005 325 511 836 323 605 928
9.34% 13.15% 22.48% 19.12% 16.76% 35.88% 3.88% 6.10% 9.98% 3.86% 7.22% 11.08%
(0.13) (1.10) (0.70) (0.63) (1.37) (0.97) (0.31) (0.00) (0.12) (0.62) (0.00) (0.22)
Apr.-Jun. 788 1112 1900 1612 1419 3031 325 516 841 323 605 928
9.35% 13.20% 22.55% 19.13% 16.84% 35.97% 3.86% 6.12% 9.98% 3.83% 7.18% 11.01%
(0.77) (1.00) (0.90) (0.69) (1.07) (0.87) (0.00) (0.98) (0.60) (0.00) (0.00) (0.00)
Note: Figures in the parentheses represent rates of growth in percent over the preceding quarter
Minor differences may observed due to rounding off.
xxvi
TABLE-13(Concld..)
REGION-WISE POSITION OF SCHEDULED BANK BRANCHES
At the end
of quarter
Barisal Division Sylhet Division Rangpur Division All Divisions
Urban Rural Total Urban Rural Total Urban Rural Total Urban Rural Total
2012
Apr.-Jun. 124 287 411 211 456 667 191 406 597 3452 4607 8059
1.54% 3.56% 5.10% 2.62% 5.66% 8.28% 2.37% 5.04% 7.41% 42.83% 57.17% 100%
(2.48) (0.00) (0.74) (0.00) (0.00) (0.00) (1.60) (1.00) (1.19) (0.91) (0.66) (0.76)
Jul.-Sep. 125 288 413 215 457 672 193 407 600 3483 4635 8118
1.54% 3.55% 5.09% 2.65% 5.63% 8.28% 2.38% 5.01% 7.39% 42.90% 57.10% 100%
(0.81) (0.35) (0.49) (1.90) (0.22) (0.75) (1.05) (0.25) (0.50) (0.90) (0.61) (0.73)
Oct.-Dec. 128 295 423 220 463 683 197 412 609 3562 4760 8322
1.54% 3.54% 5.08% 2.64% 5.56% 8.21% 2.37% 4.95% 7.32% 42.80% 57.20% 100%
(2.40) (2.43) (2.42) (2.33) (1.31) (1.64) (2.07) (1.23) (1.50) (2.27) (2.70) (2.51)
2013
Jan.-Mar. 130 296 426 222 465 687 198 412 610 3581 4794 8375
1.55% 3.53% 5.09% 2.65% 5.55% 8.20% 2.36% 4.92% 7.28% 42.76% 57.24% 100%
(1.56) (0.34) (0.71) (0.91) (0.43) (0.59) (0.51) (0.00) (0.16) (0.53) (0.71) (0.64)
Apr.-Jun. 132 298 430 222 465 687 198 412 610 3600 4827 8427
1.57% 3.54% 5.10% 2.63% 5.52% 8.15% 2.35% 4.89% 7.24% 42.72% 57.28% 100%
(1.54) (0.68) (0.94) (0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (0.53) (0.69) (0.62)
Note: Figures in the parentheses represent rates of growth in percent over the preceding quarter
Minor differences may observed due to rounding off.
xxvii
xxviii
xxix
xxx
xxxi
INDICATORS
(Amount in Taka)
ITEMS
AS ON
30-06-2013 31-03-2013
Number of Banks 52 47
Number of Reporting Bank Branches
(including SME Service Centre) 8,490 8,435
DEPOSITS (Excluding inter-bank)
a) Total Deposits 5,721,076,800,000 5,448,876,700,000
Urban 4,690,168,300,000 4,477,194,300,000
Rural 1,030,908,500,000 971,682,400,000
b) Number of Accounts 61,212,175 60,466,598
c) Average Deposits per account 93,463 90,114
ADVANCES (Excluding inter- bank)
a) Total Advances 4,248,044,700,000 4,140,485,800,000
Urban 3,813,784,000,000 3,716,461,000,000
Rural 434,260,700,000 424,024,800,000
b) Number of Accounts 9,662,958 9,647,960
c) Average Advances per account 439,622 429,157
BANK CREDIT (Advances + Bills) 4,495,062,200,000 4,390,923,200,000
Ratio of Advances to Deposits 0.74 0.76
Ratio of Bank Credit to Deposits 0.79 0.81
Rate of Interest on Deposits(Weighted Average)* 8.43 8.48
Rate of Interest on Advances(Weighted Average)* 13.61 13.74
SCHEDULED BANKS' INVESTMENT
(Excluding inter-bank) 1,423,958,900,000 1,212,393,000,000
BORROWINGS FROM BANGLADESH BANK 94,368,100,000 98,060,100,000
* Weighted average rates of interest both for deposits and advances are calculated as the
sum of product of each rate of interest and its corresponding amount of deposit/advance
being divided by the total of those deposits or advances as the case may be.
xxxii
WEIGHTED AVERAGE RATES OF INTEREST ON DEPOSITS AS ON 30-06-2013
Banks
All
Deposits
Savings
Deposits
Special Notice
Deposits
Fixed
Deposits
3 Months
to Less
than 6 Months
6 Months
to Less
than 1 Year
1 Year
to Less
than 2 Years
2 Years
to Less
than 3 Years
3 Years and
Above
Other
Deposits
1 2 3 4 5
All Banks 8.43 5.22 5.87 11.95 11.76 11.99 12.16 11.96 12.05 3.68
State owned Banks 7.53 5.46 5.39 12.05 11.84 11.89 12.17 12.13 12.09 2.51
Private Banks (a+b) 8.69 4.95 6.22 11.90 11.73 12.01 12.16 11.54 11.98 4.02
a) Domestic 8.98 5.07 6.30 11.95 11.77 12.14 12.23 11.59 11.99 4.59
b) Foreign 5.40 3.66 5.62 11.06 10.70 10.87 11.35 11.47 10.24 0.37
Specialised Banks 9.52 6.46 5.39 12.18 12.13 12.03 12.23 11.88 12.37 5.62
Islamic Banks 9.06 5.38 4.79 11.76 11.69 11.84 12.05 10.66 11.63 6.28
xxxiii
WEIGHTED AVERAGE RATES OF INTEREST ON ADVANCES
BY MAJOR ECONOMIC PURPOSES AS ON 30-06-2013
Banks
All Advances
Agriculture Fishing
&
Forestry
Industry
Working
Capital
Financing
Constr- uction
Water Works
&
Sanitary Services
Transport
And Commun-
ication
Storage Trade Miscell- aneous
1 2 3 4 5 6 7 8 9 10
All Banks 13.61 9.62 13.75 14.07 13.47 13.57 14.96 13.81 14.36 12.14
State owned Banks 10.87 9.14 11.63 11.79 5.94 --- 13.66 11.73 11.50 10.53
Private Banks (a+b) 14.62 12.68 14.66 14.47 15.22 13.58 14.85 15.15 15.16 12.73
a) Domestic 14.66 12.51 14.68 14.56 15.23 13.58 15.04 15.36 15.28 12.17
b) Foreign 14.11 14.67 14.08 13.75 15.03 --- 14.00 8.26 12.81 15.53
Specialised Banks 11.15 8.84 12.66 13.79 14.65 9.36 17.48 10.72 14.00 7.63
Islamic Banks 13.54 10.10 14.18 13.65 14.67 17.77 14.37 15.51 15.14 4.57