Quarterly Scheduled Banks Statistics

QUARTERLY SCHEDULED BANKS STATISTICS

OCTOBER-DECEMBER, 2020

STATISTICS DEPARTMENT BANGLADESH BANK

CHAIRMAN

A.K.M. Fazlul Haque Mia

Executive Director (Statistics)

MEMBERS

Tarun Kanti Ghosh General Manager

Probir Kumar Sarker Deputy General Manager

Md. Saiful Islam Deputy General Manager

Muhammad Mosharaf Hossain Deputy General Manager Barnali Mondal Dewan Sonia Sultana Joint Director Joint Director Masuma Binte Malek Shams Ibn Sharif Joint Director Joint Director Kaniz Fatema Joint Director Animesh Mondal Samina Islam Deputy Director Deputy Director Md. Asif Newaz Emon Rubiyat Hossain Deputy Director Deputy Director Mili Akter Abu Rayhan Assistant Director Assistant Director Adnan Chowdhury Syed Iftekhar Alam Assistant Director Assistant Director Arifin Sultana Mahmuda Ibneth Bithi Assistant Director Assistant Director Md. Murshid Priyanka Saha Assistant Director Assistant Director

Any suggestion/comment for improvement in the contents of this booklet would be highly appreciated. Users may kindly contact with the following mailing address for their suggestions/comments and queries (if any):

General Manager Statistics Department Banking Statistics Division Bangladesh Bank Head Office Dhaka. E-mail: [email protected] CONTENTS Page No.

INTRODUCTION i-iii EXPLANATORY NOTES TO THE TABLES iv-vi A REVIEW ON DEPOSITS AND ADVANCES OF SCHEDULED BANKS vii-xxv GRAPHS xxvi-xxvii INDICATORS xxviii WEIGHTED AVERAGE RATES OF INTEREST ON DEPOSITS xxix WEIGHTED AVERAGE RATES OF INTEREST ON ADVANCES BY MAJOR ECONOMIC PURPOSES xxix

Tables 1. Division/District-wise Distribution of per capita All Banks 1-2 Deposits/Advances on the basis of Population

2. Deposits Distributed by Types of Accounts All Banks 3 3. Deposits Distributed by Types of Accounts State owned Banks 4 4. Deposits Distributed by Types of Accounts Specialised Banks 5 5. Deposits Distributed by Types of Accounts Foreign Banks 6 6. Deposits Distributed by Types of Accounts Private Banks 7 (Including Islamic Banks) 7. Deposits Distributed by Types of Accounts Islamic Banks 8

8. Deposits Distributed by Divisions/Districts All Banks 9-10 and Areas (Urban & Rural) 9. Deposits Distributed by Divisions/Districts State owned Banks 11-12 and Areas (Urban & Rural) 10. Deposits Distributed by Divisions/Districts Specialised Banks 13-14 and Areas (Urban & Rural) 11. Deposits Distributed by Divisions/Districts Foreign Banks 15 and Areas (Urban & Rural) 12. Deposits Distributed by Divisions/Districts Private Banks 16-17 and Areas (Urban & Rural) (Including Islamic Banks) 13. Deposits Distributed by Divisions/Districts Islamic Banks 18-19 and Areas (Urban & Rural)

14. Deposits Distributed by Sectors and Types All Banks 20-25 15. Deposits Distributed by Sectors and Types State owned Banks 26-31 16. Deposits Distributed by Sectors and Types Specialised Banks 32-37 17. Deposits Distributed by Sectors and Types Foreign Banks 38-43 18. Deposits Distributed by Sectors and Types Private Banks 44-49 (Including Islamic Banks) 19. Deposits Distributed by Sectors and Types Islamic Banks 50-55

20. Deposits Distributed by Rates of Interest & Types All Banks 56-59 21. Deposits Distributed by Rates of Interest & Types State owned Banks 60-63 22. Deposits Distributed by Rates of Interest & Types Specialised Banks 64-67 23. Deposits Distributed by Rates of Interest & Types Foreign Banks 68-71 24. Deposits Distributed by Rates of Interest & Types Private Banks 72-75 (Including Islamic Banks) 25. Deposits Distributed by Rates of Profit & Types Islamic Banks 76-79

26. Deposits Distributed by Size of Accounts All Banks 80-81 27. Deposits Distributed by Size of Accounts State owned Banks 82-83 Tables Page No. 28. Deposits Distributed by Size of Accounts Specialised Banks 84-85 29. Deposits Distributed by Size of Accounts Foreign Banks 86-87 30. Deposits Distributed by Size of Accounts Private Banks 88-89 (Including Islamic Banks) 31. Deposits Distributed by Size of Accounts Islamic Banks 90-91

32. Deposits Distributed by Size of Accounts & Sectors All Banks 92-93 33. Deposits Distributed byDistricts/Thanas All Banks 94-112 34. Debits to Deposit Accounts and Turnover All Banks 113

35. Advances Classified by Securities All Banks 114 36. Advances Classified by Securities State owned Banks 115 37. Advances Classified by Securities Specialised Banks 116 38. Advances Classified by Securities Foreign Banks 117 39. Advances Classified by Securities Private Banks 118 (Including Islamic Banks) 40. Advances Classified by Securities Islamic Banks 119

41. Advances Classified by Economic Purposes All Banks 120-123 42. Advances Classified by Economic Purposes State owned Banks 124-127 43. Advances Classified by Economic Purposes Specialised Banks 128-131 44. Advances Classified by Economic Purposes Foreign Banks 132-135 45. Advances Classified by Economic Purposes Private Banks 136-139 (Including Islamic Banks) 46. Advances Classified by Economic Purposes Islamic Banks 140-143

47. Advances Classified by Rates of Interest & Securities All Banks 144-149 48. Advances Classified by Rates of Interest & Securities State owned Banks 150-153 49. Advances Classified by Rates of Interest & Securities Specialised Banks 154-157 50. Advances Classified by Rates of Interest & Securities Foreign Banks 158-163 51. Advances Classified by Rates of Interest & Securities Private Banks 164-169 (Including Islamic Banks) 52. Advances Classified by Rates of Profit & Securities Islamic Banks 170-175

53. Advances Classified by Districts/Thanas All Banks 176-193 54. Advances Classified by Size of Accounts & All Banks 194-195 Major Economic Purposes

55. Advances Classified by Size of Accounts All Banks 196-197 56. Advances Classified by Size of Accounts State owned Banks 198-199 57. Advances Classified by Size of Accounts Specialised Banks 200-201 58. Advances Classified by Size of Accounts Foreign Banks 202-203 59. Advances Classified by Size of Accounts Private Banks 204-205 (Including Islamic Banks) 60. Advances Classified by Size of Accounts Islamic Banks 206-207

61. Advances Classified by Major Economic Purposes All Banks 218-211 & Sectors

62. Advances Classified by Divisions/Districts All Banks 212-213 and Areas (Urban &Rural) 63. Advances Classified by Divisions/Districts State owned Banks 214-215 and Areas(Urban &Rural)

Tables Page No. 64. Advances Classified by Divisions/Districts Specialised Banks 216-217 and Areas (Urban &Rural) 65. Advances Classified by Divisions/Districts Foreign Banks 218 and Areas (Urban &Rural) 66. Advances Classified by Divisions/Districts Private Banks 219-220 and Areas (Urban &Rural) (Including Islamic Banks) 67. Advances Classified by Divisions/Districts Islamic Banks 221-222 and Areas (Urban &Rural)

68. Advances Classified by Size of Accounts & Sectors All Banks 223-224

69. Advances Classified by Rates of Interest & All Banks 225-230 Major Economic Purposes 70. Advances Classified by Rates of Interest & State owned Banks 231-234 Major Economic Purposes 71. Advances Classified by Rates of Interest & Specialised Banks 235-238 Major Economic Purposes 72. Advances Classified by Rates of Interest & Foreign Banks 239-242 Major Economic Purposes 73. Advances Classified by Rates of Interest & Private Banks 243-248 Major Economic Purposes (Including Islamic Banks) 74. Advances Classified by Rates of Profit & Islamic Banks 249-254 Major Economic Purposes 75. Classification of Bills All Banks 255 255 76. Classification of Bills State owned Banks 256 77. Classification of Bills Specialised Banks 257 78. Classification of Bills Foreign Banks 258 Classification of Bills Private Banks 259 79. (Including Islamic Banks) 80. Classification of Bills Islamic Banks 260

81. Classification of Bills by Sectors All Banks 261 82. Agricultural Credit Statistics Overall 262 83. Agricultural Credit Statistics State owned Banks 263 84. Agricultural Credit Statistics Specialised Banks 264 85. Agricultural Credit Statistics Private Banks 265 (Including Islamic Banks) 86. Agricultural Credit Statistics Foreign Banks 266 87. Agricultural Credit Statistics Other Credit Institutions 267 88. Disbursement, Overdue & Recovery of Agricultural All Banks & Group Banks 268-269 and Non-Farm Rural Credit Position

89. SME Credit Position All Banks & NBFI’s 270-263

90. Disbursement, Outstanding, Recovery & Overdue All Banks & Group Banks 274 (DORO)of Advances by Sectors& Group banks 91. Disbursement, Outstanding, Recovery & Overdue All Banks 275 (DORO)of Advances by Economic Purposes

Appendix List of Reporting Bank Branches

INTRODUCTION

After liberation, the banks operating in Quarter January-March, 2003. American Express Bangladesh (except those incorporated abroad) Bank also merged with Standard Chartered Bank were nationalised. These banks were merged and during the quarter October-December, 2005. The grouped into six commercial banks. Of the total six Oriental Bank Ltd. an Islamic private bank was commercial banks, Pubali Bank Ltd. and Uttara Bank renamed as ICB Islamic Bank Ltd. from the quarter Ltd. were subsequently transferred to the private April-June, 2008. Credit Agricole Indosuez, a foreign sector with effect from January 1985. Rupali Bank private bank is renamed as Commercial Bank of was transferred as public limited company from Ceylon Ltd. from the quarter October-December, December 1986. The rest three State Owned Banks 2003. Shamil Bank is renamed as Bank Al-Falah Ltd. were operating as public limited company from the from the quarter April-June, 2005. Arab Bangladesh quarter October-December, 2007. The two Govt. Bank Ltd. is renamed as AB Bank Ltd. from the owned specialised banks were renamed as quarter January-March, 2008 and Social Investment Bangladesh Krishi Bank and Bangladesh Shilpa Bank. Bank Ltd. is renamed as Social Islami Bank Ltd. from In March 1987 Bangladesh Krishi Bank was the quarter April-June, 2009. It is to mentioned that bifurcated and another specialised bank emerged as First Security Bank Ltd. has started its operation Rajshahi Krishi Unnayan Bank (RAKUB) for Rajshahi according to Islamic Sariah from the quarter and Rangpur Division. Bank of Small Industries & January-March, 2009. Shahjalal Bank Ltd. has Commerce Bangladesh Ltd. (BASIC) started its started its operation according to Islamic Sariah operation as a private bank from September 1988 from the quarter April-June, 2001 and it is renamed and rename its abbreviation as Bangladesh Small as Shahjalal Islami Bank Ltd. from the quarter April- Industries and Commerce Bank Ltd. on 30 June, 2004 and EXIM Bank Ltd. has also started its September 2001. Later on Government of operation according to Islamic Sariah from the Bangladesh took over 100 percent ownership on quarter July-September, 2004. The branches of June 1992 and was categorised as a specialised foreign banks operating in Bangladesh are being bank. From July 1995 again the BASIC was treated as foreign private banks. categorised as a private bank and from 1997 Among all fourth generation Scheduled Banks Government decided to treat this bank as a NRB Commercial Bank Ltd., South Bangla Specialised bank again. But from January 2015 Agriculture and Commerce Bank Ltd., Meghna Bank Government decided to treat this bank as a State Ltd., The Farmers Bank Ltd., and Union Bank Ltd. Owned Bank. So in this booklet, from have started their operation from the quarter April- January‐March, 2015 the BASIC has been treated as June, 2013, Midland Bank Ltd., Modhumoti Bank a State Owned Bank. Bangladesh Shilpa Bank (BSB) Ltd., NRB Bank Ltd. have started their operation & Bangladesh Shilpa Rin Sangstha (BSRS) merged from the quarter July-September, 2013. NRB Global and renamed as Bangladesh development Bank Bank Ltd. has started their operation from the Limited (BDBL) from the quarter January‐March, quarter October-December, 2013. Shimanto Bank 2010 treated as specialized bank. But from the Ltd. has started their operation from the quarter quarter (April‐June’15) according to Government October-December, 2016. Probashi Kallyan Bank decision BDBL is being treated as State Owned has started their operation as a specialized bank Bank. Standard Chartered Grindlays Bank was from the quarter July-September, 2018 and merged with Standard Chartered Bank during the Community Bank Bangladesh Ltd. has started their

i operation from the quarter October-December, Company Act, 1991, the minimum aggregate value 2018. From January 2019, The Farmers Bank Ltd. was Tk. 20 crore. From 30 March 2003, it was Tk. Has renamed as Padma Bank Ltd. 100 crore. From 08 October 2007, it was Tk. 200 All such banks operating in Bangladesh with crore. From 11 August 2011, it has been raised at different paid-up capital and reserves having a the minimum of Tk. 400 crore (as per Circular Letter minimum of an aggregate value of Tk. 50 lac and No. BRPD(R-1)717/2008-511 dated August 12, rd conducting their affairs to the satisfaction of the 2008). Later on according to the approval of 393 th Bangladesh Bank have been declared as scheduled Board meeting (held on 17 February 2019), BB has banks in terms of section 37(2) of Bangladesh Bank decided to raise the capital at the minimum of Tk. Order 1972. In terms of section 13 of Bank 500 crore within next two years. The names of the Scheduled Banks whose operations are recorded in this volume are as below: A. STATE OWNED BANKS: 7. Uttara Bank Ltd. 8. Eastern Bank Ltd. 1. Agrani Bank Ltd. 9. National Credit and Commerce Bank Ltd. 2. Janata Bank Ltd. 10. Prime Bank Ltd. 3. Rupali Bank Ltd. 11. Southeast Bank Ltd. 4. Sonali Bank Ltd. 12. Dhaka Bank Ltd. 5. BASIC Bank Ltd. (Bangladesh Small 13. Dutch Bangla Bank Ltd. Industries and Commerce Bank Ltd.) 14. Mercantile Bank Ltd. 6. Bangladesh Development Bank Ltd. 15. Standard Bank Ltd. B. SPECIALISED BANKS: 16. One Bank Ltd. 1. Bangladesh Krishi Bank. 17. Bangladesh Commerce Bank Ltd. 2. Rajshahi Krishi Unnayan Bank. 18. Mutual Trust Bank Ltd. 3. Probashi Kallyan Bank. 19. Premier Bank Ltd. C. PRIVATE BANKS: 20. Bank Asia Ltd. a) Foreign Banks: 21. Trust Bank Ltd. 22. Jamuna Bank Ltd. 1. Standard Chartered Bank 23. BRAC Bank Ltd. 2. State Bank of India 24. NRB Commercial Bank Ltd. 3. Habib Bank Ltd. 25. South Bangla Agriculture and Commerce 4. Citi Bank, N.A. Bank Ltd. 5. Commercial Bank of Ceylon Ltd. 26. Meghna Bank Ltd. 6. National Bank of Pakistan 27. Midland Bank Ltd. 7. Woori Bank 28. Padma Bank Ltd. 8. The Hong Kong & Shanghai Banking 29. NRB Bank Ltd. Corporation Ltd. (HSBC) 30. Modhumoti Bank Ltd. 9. Bank Al-Falah Ltd. 31. NRB Global Bank Ltd. b) Private Banks (Incorporated in 32. Shimanto Bank Ltd. Bangladesh excluding Islamic Banks): 33. Community Bank Bangladesh Ltd. c) Islamic Banks 1. AB Bank Ltd. 2. National Bank Ltd. 1. Islami Bank Bangladesh Ltd. 3. The City Bank Ltd. 2. ICB Islamic Bank Ltd. 4. International Finance Investment and 3. Al-Arafah Islami Bank Ltd. Commerce Bank Ltd. 4. Social Islami Bank Ltd. 5. United Commercial Bank Ltd. 5. EXIM Bank Ltd. 6. Pubali Bank Ltd. 6. First Security Islami Bank Ltd. ii

7. Shahjalal Islami Bank Ltd. 8. Union Bank Ltd The banks play an important role in the From the very inception, the ‘Scheduled economy of the country. The statistics Banks Statistics’ were being collected and department of Bangladesh Bank has been published on quarterly basis. Later on since collecting, compiling and publishing statistics on December, 1988 the data had been collected on scheduled banks for the use of researchers, half yearly basis and published on annual basis planners and policy makers. ending December every year. Subsequently, from The statistical tables contained in this booklet December 1990 the data were collected on have been prepared from the returns submitted quarterly basis but published on annual basis. by the individual bank branches of scheduled Then it was decided to publish again on quarterly banks as on the last day of the quarter ending basis from June 1992 and the present publication December 31, 2020. At the end of the period follows as a sequel to the change in the policy under study the total number of reported bank decision. branches excluding Head Offices, Islamic Windows and SME service centers stood at 10752, which The role of agricultural credit in fostering the contains only 66 branches of foreign banks. economy of the country has gained importance nowadays. To this end in mind agricultural credit For useful presentation of data, banks have statistics time series data were collected and been classified into several groups viz. ‘All Banks’, presented pertaining to the period from 1983-84 ‘State owned Banks’, ‘Specialised Banks’, ‘Foreign to 2020-21 (up to December 31, 2020). Banks’, and ‘Private Banks’ (Including Islamic Banks). A separate subgroup named as ‘Islamic The figures published in this booklet may Banks’ has been introduced consisting of banks differ from those contained in the statement of (Incorporated in Bangladesh), run on the basis of position of Scheduled Banks released each week Islamic Sariah with effect from quarter January- by the Bangladesh Bank due to difference in March 1998. In October-December,2020 Quarter timing and coverage. 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) From the quarter July-September, 2013 the Shahjalal Islami Bank Ltd., 7) First Security Islami Scheduled Banks were instructed to follow the Bank Ltd. and 8) Union Bank Ltd. ‘Guidelines to Fill in the Banking Statistics Returns SBS-1, SBS-2 & SBS-3’ fifth edition, published in July 2013. In this brochure, all The publication provides a detailed analysis of statistical tables have been prepared on the basis bank deposits (excluding inter-bank) mainly in the of returns, submitted by the scheduled banks as form of ‘by Types & Sectors’, ‘by Rates of Interest per the booklet, published in July 2013. & Types’, ‘by Types of Account’; outstanding advances (excluding inter-bank transactions) mainly in the form of ‘by Rates of Interest & For taking into account, the remittances (in Securities’, ‘by Securities’, ‘by Size of Account’, ‘by Foreign Currency) by the Wage earners’ abroad, Economic Purposes’ etc. and bills mainly in the two types of deposits: 1) Wage Earners’ Deposits form of ‘by Sectors’. & 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 emanates from the individuals. A portion, per capita Deposits/Advances on the basis of varying from time to time, of savings population: The table furnishes the deposits constitutes demand deposits. From division/district wise distribution of population, 1st July, 1996 11% of savings deposits was number of reporting bank branches, per capita regarded as demand deposits and from 1st deposits and per capita advances. July 1997, it was 10%. At present from 24th Table-2 to 7: Deposits Distributed by Types of June, 2007, 9% of savings deposits has been Accounts: These tables show the classification of being regarded as demand deposits. total demand and time liabilities of scheduled d) Convertible Taka Account of Foreigners: banks (excluding inter-bank) into fourteen broad Convertible Taka account of foreigners are types such as (a) Current and Cash Credit Account deposits of foreign individuals, embassies, (credit balances) Deposits, (b) Deposits foreign Governments and international withdrawable on Sight, (c) Savings Deposits, (d) agencies, all of which have non-resident Convertible Taka Accounts of Foreigners, (e) status under foreign exchange regulations. Foreign Currency Accounts, (f) Wage Earners’ e) Foreign Currency Accounts: Foreign Deposits, (g) Resident Foreign Currency Deposits, currency accounts consist of the deposits (in (h) Special Notice Deposits, (i) Fixed Deposits, (j) foreign currency) of the foreigners (residing Recurring Deposits, (k) Margin Deposits (Foreign abroad or in Bangladesh) and foreign Currency/Taka), (l) Special Purpose Deposits, (m) missions & their expatriate employees. Negotiable Certificates of Deposits & Promissory f) Wage Earners’ Deposits: The depositors of Notes and (n) Restricted (Blocked) Deposits. these accounts are the Bangladeshi a) Current and Cash Credit Accounts Deposits: nationals, who work abroad. These accounts These are of the nature of demand deposits are fed by the remittances (in foreign and comprise current accounts and credit currency) from these persons. Deposits in balances of cash credit accounts. Generally NFCD accounts along with interest thereon no interest is allowed on these deposits but are also reported in these accounts. from the quarter, October-December, 2005 g) Resident Foreign Currency Deposits: some banks have started paying interest on Persons ordinarily residing in Bangladesh this type of account. These accounts have may open this account with foreign chequing facilities and balances are exchanges brought in at the time of their transferable. return from travel abroad. Deposits or b) Deposits Withdrawable on Sight: This item remittances from persons, working in includes all deposits which cannot be Bangladesh missions abroad and Retention transferred through cheques but are quota deposits by the exporters are also withdrawable on demand such as overdue included in these deposits. Fixed Deposits Accounts, unclaimed h) Special Notice Deposits: This item includes balances, payment orders, telephonic the deposits that are deposited for a period transfers, mail transfers, demand drafts, ranging from 7 days to 89 days. These types unclaimed dividends and draft payable of liabilities are payable on Special notice or accounts, Earnest Money of after a specified period other than the fixed Tenders/Quotations etc. deposits. Some of these types of deposits c) Saving Deposits Account: Deposit on these are of the nature of time deposits. accounts are self-explanatory and generally

iv i) Fixed Deposits: These are reclassified by Table 20 to 25: Deposits Distributed by Rates of period of maturity and are exclusively time Interest/Profit and Types: These tables show the deposits. rates of interest allowed by the scheduled banks on j) Recurring Deposits: A recurring deposit is a different types of deposits. No interest is allowed special kind of term deposit offered by banks on current deposits (Code no. 100) and deposits which help people with regular incomes to withdrawable on sight while interest is allowed on deposit a fixed amount every month into their current deposits (Code no. 105), savings deposits, recurring deposit account and earn interest at fixed deposits, pension scheme deposits and foreign the rate applicable to fixed deposits. Beside currency accounts of non-residents and residents. these any other recurring deposit scheme The rate of interest varies from time to time. The where installment size, installment time are amount of deposits against “Zero” rate of interest not fixed also reported in this account. under “Deposits Withdrawable on Sight” represents mainly the bills payables such as MT, DD, TT, k) Margin Deposits (Foreign Currency/ Taka): outstanding drafts etc. Depositors will have the Equivalent Taka of margin on letters of Credit option for withdrawing interest accumulated every and margins on guarantee (in Taka & Foreign twelve months or can have the interest with the Currency) are included in this item. principal to be compounded in case of maturity l) Special Purpose Deposits: This item comprises exceeding one year. Profit/Loss is applicable in the employees’ provident funds/pension cases of Islamic Shariah Based Banks. Accounts, contribution towards insurance Table 26 to 31: Deposits Distributed by Size of funds, Hajj Deposits, Staff guarantee/Security Accounts: The Statistics of number of Accounts and funds, Security Deposits, Gift Certificate corresponding amount falling within specified Deposits, Sundry deposits, Surcharge and groups are not based exclusively on individual Development charge etc. accounts. As the number of accounts is considerably m) Negotiable Certificates of Deposits and large, the respondents have the option to combine Promissory Notes: Negotiable certificates of the accounts and amount in such cases when the deposits are bearer certificate deposits and types of deposits, the category of depositors and are of nature of time deposits. the rates of interest allowed thereon are the same. n) Restricted (Blocked) Deposits: The balances of In such cases it is not the actual size of components restricted (blocked) deposits are reported in but the average size of the group that determines this item against Private Sector. According to the class to which it belongs. Notwithstanding the Special Law, the competent authority blocks existence of an element of statistical errors, it is these accounts. In blocked period, the believed that the estimates would not differ depositors cannot withdraw their deposits. significantly from the actual position. Table 8 to 13. Deposits Distributed by Divisions/ Table 32: Deposits Distributed by Size of Accounts Districts and Areas (Urban & Rural): These tables and Sectors: The tables provide a break up of show the district-wise distribution of deposits of deposits by size of accounts and sector. urban and rural regions of the country. It is Table 33: Deposits Distributed by Thana/Districts: mentioned that the transaction of the branches in This table shows the distribution of deposits in all municipal area is treated as urban area transaction thanas and districts of the country. (deposits or advances as the case may be) while the Table 34: Debits to Deposits Accounts and transaction of the branches located out-side the Turnover: The table shows debits to various types municipal area is regarded as rural area transaction. of deposit accounts during the period under review. Table 14 to 19: Deposits Distributed by Sectors and This also includes co-efficient of turnover by Types: These Tables provide a break up of deposits relating debits to average amounts of deposits. by different sectors of deposits mentioned in the paragraph number two.

Table 35 to 40: Advances Classified by Securities: Table 68: Advances Classified by Size of Accounts These tables show the break-up of scheduled banks and Sectors: The table provides statistics on advances (excluding Interbank, Money at call, Bills) advances (excluding Interbank, Money at call, Bills) by types of securities pledged or hypothecated. classified by size of accounts and sector. Table 41 to 46: Advances Classified by Economic Table 69 to 74: Advances Classified by Rates of Purposes: These tables show the advances Interest and Major Economic Purposes: These (excluding Interbank, Money at call, Bills) made by tables provide rates of interest charged by the scheduled banks to different economic purposes for scheduled banks on advances (excluding Interbank, which the borrowers borrow. Money at call, Bills)for different economic purposes. Table 47 to 52: Advances Classified by Rates of Table 75 to 80: Classification of Bills purchased and Interest and Securities: These tables give the rates discounted: The statement provides an account of of interest charged by the scheduled banks on bills purchased and discounted by major economic various types of securities as well as clean advances purposes of drawees. Along with the corresponding (excluding Interbank, Money at call, Bills). Advances statement on advances the statistics provide to “Zero” rate of interest mostly represent (a) information on the structure of bank credit. Advances to bank’s own employees, (b) Classified Table 81: Classification of Bills by Sectors: advances (Bad/ Loss) (c) Advances associated with The table provides a break up of bills in public and clearing disputes etc. private sectors. Table 53: Advances Classified by Thana/Districts: Table 82 to 87: Agricultural Credit Statistics: This table shows the classification of advances These tables show the statistics of program/target, (excluding Interbank, Money at call, Bills) in all disbursement, due for recovery and recovery thanas and districts of the country. position in agricultural credit. Table 88: Disbursement, Overdue & Recovery of Table 54: Advances Classified by Size of Accounts Agricultural and Non-Farm Rural Credit Position: and Economic Groups: The table provides statistics The data in this table shows the position of on advances (excluding Interbank, Money at call, disbursement, overdue & recovery of Agricultural Bills) classified by size of accounts and economic and Non-Farm Rural Credit. groups. Table 89: SME Credit Position: This table reveals Table 55 to 60: Advances Classified by Size of the statistics of opening outstanding, disbursement Accounts: These tables provides statistics on and recovery of SME credit in medium, small, advances (excluding Interbank, Money at call, Bills) cottage and micro enterprise. classified by size of accounts. Table 90: Disbursement, Overdue & Recovery of Table 61: Advances Classified by Major Economic Advances by Sectors: Purposes and Sectors: The table provides a break- The table shows the statistics of disbursement, up of advances (excluding Interbank, Money at call, outstanding, overdue & recovery of advances in Bills) classified by major economic purposes to public and private sectors. public and private sectors. Table 91: Disbursement, Overdue & Recovery of Advances by Economic Purposes. Table 62 to 67: Advances Classified by Division / The table provides position of disbursement, Districts and Areas (Urban / Rural): These tables outstanding, overdue & recovery on advances by show the district-wise classification of advances economic purposes. (excluding Interbank, Money at call, Bills) of urban and rural regions of the country.

A Review on Deposits and Advances of Scheduled Banks (As on end December, 2020)

Banks’ Deposits: Total deposit liabilities (excluding or 6.39% to Tk.294282.76 crore as compared interbank items) of the scheduled banks to the previous quarter. The share of urban increased by Tk.66520.65 crore or 5.07% to deposits to total deposits at the end of the Tk.1379150.45 crore during the quarter Oct.- quarter Oct.-Dec., 2020 was 78.66% as Dec., 2020 as compared to an increase of compared to 78.93% at the end of the Tk.48462.64 crore or 3.83% and Tk.55166.33 preceding quarter (Jul.-Sep., 2020) and 79.06% crore or 4.76% in the previous quarter (Jul.- at the end of the corresponding quarter (Oct.- Sep., 2020) and the corresponding quarter Dec., 2019) of the last year. At the end of (Oct.-Dec., 2019) of the last year respectively. December, 2020 Banks’ deposits registered an The increase in deposits during the quarter was increase of Tk.164695.15 crore or 13.56% over due to an increase in urban deposits by December, 2019. Whereas Bank deposits of Tk.48843.10 crore or 4.71% to Tk.1084867.69 December, 2019 increased by Tk.132913.41 crore and rural deposits by Tk.17677.55 crore crore or 12.29% over December, 2018.

Banks' Advances: Banks’ advances increased by Tk.33584.66 Tk.977781.19 crore and in rural areas crore or 3.16% to Tk.1096308.83 crore during increased by Tk.8513.16 crore or 7.74% to the quarter Oct.-Dec., 2020 as compared to an Tk.118527.65 crore during the quarter under increase of Tk.14035.74 crore or 1.34% and review. At the end of December, 2020 Banks Tk.42541.54 crore or 4.43% respectively during advances exhibited a sharp increase by the preceding quarter (Jul.-Sep., 2020) and the Tk.92760.12 crore or 9.24% over December, corresponding quarter (Oct.-Dec., 2019) of the 2019. Whereas Banks advances of December, last year. Banks advances in urban areas 2019 increased by Tk.100771.19 crore or increased by Tk.25071.50 crore or 2.63% to 11.16% over December, 2018.

Bills: Bills purchased and discounted by the crore or 0.06% respectively during the banks decreased by Tk.1505.07 crore or 5.38% preceding quarter (Jul.-Sep., 2020) and the to Tk.26480.44 crore during the quarter under corresponding quarter (Oct.-Dec., 2019) of the review as compared to an increase of Tk.60.89 last year. crore or 0.22% and an increase of Tk.20.31

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Interest Rates (Weighted Average): Weighted average rates of interest on Sep., 2020 and 5.75% & 9.80% in Oct.-Dec., deposits and advances were 4.56% & 7.69% 2019 quarters respectively. Quarterly position respectively at the end of the quarter under of banks deposits, outstanding advances and review as compared to 4.89% & 8.04% in Jul.- bills is shown in Table-1.

Table-1 Overall Deposits, Advances and Bills

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.

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Banks' Credit Total credit of the Scheduled banks increased Sep., 2020) and the corresponding quarter (Oct.- by Tk.32079.59 crore or 2.94% to Tk.1122789.27 Dec., 2019) of the last year. crore during the quarter under review as Borrowings from the Bangladesh Bank compared to an increase of Tk.14096.63 crore or 1.31% and Tk.42561.85 crore or 4.28% The Scheduled Banks' borrowings from the respectively during the preceding quarter (Jul.- Bangladesh Bank at the end of the quarter under Sep., 2020) and the corresponding quarter (Oct.- review increased by Tk.5546.35 crore or 10.18% Dec., 2019) of the last year. to Tk.60007.07 crore as compared to an increase of Tk. Tk.4160.98 crore or 8.27% and an increase Banks' Investment of Tk.2854.88 crore or 7.58% respectively during The Scheduled banks' investment increased the preceding quarter (Jul.-Sep., 2020) and the by Tk.15031.46 crore or 4.85% to Tk.325131.45 corresponding quarter (Oct.-Dec., 2019) of the crore at the end of the quarter Oct.-Dec., 2020 as last year. Quarterly position of the scheduled compared to an increase of Tk.35532.11 crore or banks' credit, investment and borrowings from 12.94% and Tk.18873.01 crore or 8.05% the Bangladesh Bank is shown inTable-2. respectively during the preceding quarter (Jul.- Table-2 Scheduled Banks’ Credit, Investment and Borrowing from Bangladesh Bank

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.

Deposits by Category of Banks: The increased of Tk.66520.65 crore or by Tk.101189.22 crore or 12.28%, in Specialised 5.07% in total deposit liabilities during the Banks increased by Tk.3121.05 crore or 9.80%, quarter Oct.-Dec., 2020 over the preceding and in Foreign Banks increased by Tk.6973.98 quarter Jul.-Sep., 2020 was shared by increased crore or 13.00%. Of the total deposits of in Private Banks by Tk.32313.28 crore or 3.62%, Tk.1379150.45 crore at the end of the quarter State Owned Banks by Tk.30524.73 crore or under review, the shares of State Owned Banks, 9.31% , Specialised Banks by Tk.1397.13 crore Specialised Banks, Foreign Banks, Private Banks or 4.16% and Foreign Banks by Tk.2285.51 crore and Islamic Banks were Tk.358527.73 crore or 3.92% . The net accretion in deposits during (26.00%), Tk.34977.87 crore (2.54%), the quarter under review over the same quarter Tk.60607.49 crore (4.39%), Tk.925037.36 crore (Oct.-Dec., 2019) of the last year amounting to (67.07%) and Tk.292100.18 crore (21.18%) Tk.164695.15 crore or 13.56% was due to respectively. The position in respect of deposit increase in deposits of State Owned Banks by liabilities by category of Banks is shown in Tk.53410.90 crore or 17.51%, in Private Banks Table-3. Table-3

Deposits Distributed by Category of Banks

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.

Deposits by Types of Accounts:

Deposits distributed by types of accounts or 3.39% at the end of the preceding quarter revealed that the share of fixed deposits to total (Jul.-Sep., 2020) and the corresponding quarter deposits declined from 45.97% to 44.95% in (Oct.-Dec., 2019) of the last year respectively. Oct.-Dec.,2020 as compared to the previous The share of savings deposits to total deposits quarter. The amount of fixed deposits increased declined from 21.30% on the September 30, by Tk.16478.30 crore or 2.73% to Tk.619886.99 2020 to 21.19% on the December 31, 2020. crore at the end of the quarter under review as Deposits distributed by types of accounts are compared to an increase of Tk.37783.53 crore shown in Table-4. or 6.68% and an increase of Tk.18946.25 crore

Table-4 Deposits Distributed by Types of Accounts (Taka in Crore) Current Resident Convertible Foreign Wage Special At end of and Cash Savings Foreign Fixed Recurring Other Total Taka Account Currency Earners' Notice the quarter Credit Deposits Currency Deposits Deposits Deposits Deposits of Foreigners Accounts Deposits Deposits Account Deposits 2019 Oct.-Dec. 100765.56 242348.47 1232.93 4782.83 3822.82 16330.12 113329.35 577103.94 96884.85 57854.42 1214455.30 8.30% 19.96% 0.10% 0.39% 0.31% 1.34% 9.33% 47.52% 7.98% 4.76% 100% (13.92) (3.56) (16.72) -(6.65) (6.46) (3.62) (8.78) (3.39) (5.27) (1.66) (4.76) 2020 Jan.-Mar. 97505.27 244248.58 1445.75 5009.94 3869.49 16700.77 107526.65 579568.88 97717.77 56904.78 1210497.89 8.05% 20.18% 0.12% 0.41% 0.32% 1.38% 8.88% 47.88% 8.07% 4.70% 100% -(3.24) (0.78) (17.26) (4.75) (1.22) (2.27) -(5.12) (0.43) (0.86) -(1.64) -(0.33)

Apr.-Jun. 108081.36 265952.25 3089.39 5348.46 4375.70 15189.11 131124.49 565625.16 98707.57 66673.66 1264167.16 8.55% 21.04% 0.24% 0.42% 0.35% 1.20% 10.37% 44.74% 7.81% 5.27% 100% (10.85) (8.89) (113.69) (6.76) (13.08) -(9.05) (21.95) -(2.41) (1.01) (17.17) (4.43) Jul.-Sep. 104155.78 279612.40 1217.19 5229.03 2785.65 17255.67 127144.80 603408.69 102208.32 69612.27 1312629.80 7.93% 21.30% 0.09% 0.40% 0.21% 1.31% 9.69% 45.97% 7.79% 5.30% 100% -(3.63) (5.14) -(60.60) -(2.23) -(36.34) (13.61) -(3.04) (6.68) (3.55) (4.41) (3.83) Oct.-Dec. 119589.79 292271.37 1546.53 4796.38 4772.25 17406.75 143075.60 619886.99 106501.08 69303.73 1379150.45 8.67% 21.19% 0.11% 0.35% 0.35% 1.26% 10.37% 44.95% 7.72% 5.03% 100% (14.82) (4.53) (27.06) -(8.27) (71.32) (0.88) (12.53) (2.73) (4.20) -(0.44) (5.07) 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 . 3. Other deposits include Deposits withdrawable on Sight, Margin Deposits, Special Purpose Deposits, Negotiable Certificates of Deposits and Restricted Deposits.

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Sector-wise Deposits: In total deposits the share of private sector Tk.4474.29 crore or 1.86% and an increase of deposits (81.76%) was 4.48 times more than that Tk.22235.70 crore or 10.31% at the preceding of the public sector deposits (18.24%) at the end quarter (Jul.-Sep., 2020) and the corresponding of the quarter Oct.-Dec., 2020. Deposits in the quarter (Oct.-Dec., 2019) of the last year private sector increased by Tk.50771.56 crore or respectively. Government deposits in the public 4.71% to Tk.1127597.51 crore at the end of the sector increased by Tk.2230.89 crore or 2.78% to quarter under review as compared to an increase Tk.82503.42 crore as compared to a decrease of of Tk.52936.93 crore or 5.17% and Tk.32930.63 Tk.2819.52 crore or 3.39% and an increase of crore or 3.49% at the end of the preceding Tk.9781.77 crore or 14.54% at the end of the quarter (Jul.-Sep., 2020) and the corresponding preceding quarter (Jul.-Sep., 2020) and the quarter (Oct.-Dec., 2019) of the last year corresponding quarter (Oct.-Dec., 2019) of the respectively. Deposits in the public sector last year respectively. The details of deposits by increased by Tk.15749.09 crore or 6.68% to public sector and private sector with their Tk.251552.94 crore at the end of the quarter corresponding growth rates are shown in Table-5. under review as compared to a decrease of Table-5 Sector-wise Classification of Deposits (Taka in Crore) Public Sector At end of Private Total Deposits Ratio Other than the quarter Government Total Sector (Public+Private)(Public/Private) Government 2019 Oct.-Dec. 77059.75 160859.78 237919.53 976535.77 1214455.30 0.24 6.35% 13.25% 19.59% 80.41% 100%

2020 (14.54) (8.39) (10.31) (3.49) (4.76) Jan.-Mar. 80011.82 153497.68 233509.50 976988.40 1210497.89 0.24 6.61% 12.68% 19.29% 80.71% 100% (3.83) -(4.58) -(1.85) (0.05) -(0.33)

Apr.-Jun. 83092.05 157186.08 240278.14 1023889.02 1264167.16 0.23 6.57% 12.43% 19.01% 80.99% 100% (3.85) (2.40) (2.90) (4.80) (4.43) Jul.-Sep. 80272.53 155531.32 235803.85 1076825.95 1312629.80 0.22 6.12% 11.85% 17.96% 82.04% 100% -(3.39) -(1.05) -(1.86) (5.17) (3.83) Oct.-Dec. 82503.42 169049.52 251552.94 1127597.51 1379150.45 0.22 5.98% 12.26% 18.24% 81.76% 100% (2.78) (8.69) (6.68) (4.71) (5.07)

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.

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Division-wise Urban/Rural Deposits Distribution of deposits by administrative areas revealed that Dhaka compared to an increase of 3.58% and 4.86% at the end of preceding Division contributed more than half (61.08%) of the total deposits and quarter (Jul.-Sep., 2020) and the corresponding quarter of the last year the share of urban deposits in this division was 51.68% at the end of the (Oct.-Dec., 2019) respectively. The share of deposits in Mymensingh quarter under review. The deposits in this division increased by 4.71% Division (1.46%) was the lowest. Division wise distribution of deposits in to Tk.842404.21 crore at the end of the quarter Oct.-Dec., 2020 as urban and rural areas is shown in Table-6. Table-6(Contd.) Division-wise Urban/Rural Distribution of Deposits (Taka in Crore) At the end Chattogram Division Dhaka Division Khulna Division Rajshahi Division of quarter Urban Rural Total Urban Rural Total Urban Rural Total Urban Rural Total 2019 Oct.-Dec. 181315.20 78047.14 259362.34 632299.93 112654.79 744954.72 36845.15 15054.56 51899.71 35763.71 12464.70 48228.41 14.93% 6.43% 21.36% 52.06% 9.28% 61.34% 3.03% 1.24% 4.27% 2.94% 1.03% 3.97% (4.12) (4.64) (4.27) (4.67) (5.91) (4.86) (6.36) (5.53) (6.12) (5.72) (4.13) (5.30) 2020 Jan.-Mar. 182591.60 75583.75 258175.35 629684.58 113656.00 743340.58 36955.48 15050.19 52005.67 35288.38 12299.04 47587.42 15.08% 6.24% 21.33% 52.02% 9.39% 61.41% 3.05% 1.24% 4.30% 2.92% 1.02% 3.93% (0.70) -(3.16) -(0.46) -(0.41) (0.89) -(0.22) (0.30) -(0.03) (0.20) -(1.33) -(1.33) -(1.33)

Apr.-Jun. 187348.53 77748.69 265097.22 659937.59 116764.08 776701.67 38894.66 16020.38 54915.04 38057.61 13184.31 51241.93 14.82% 6.15% 20.97% 52.20% 9.24% 61.44% 3.08% 1.27% 4.34% 3.01% 1.04% 4.05% (2.61) (2.86) (2.68) (4.80) (2.73) (4.49) (5.25) (6.45) (5.59) (7.85) (7.20) (7.68) Jul.-Sep. 194355.80 85118.57 279474.37 682575.36 121942.35 804517.71 39766.46 16314.95 56081.41 38947.46 14091.26 53038.72 14.81% 6.48% 21.29% 52.00% 9.29% 61.29% 3.03% 1.24% 4.27% 2.97% 1.07% 4.04% (3.74) (9.48) (5.42) (3.43) (4.43) (3.58) (2.24) (1.84) (2.12) (2.34) (6.88) (3.51) Oct.-Dec. 206714.04 91495.26 298209.31 712725.97 129678.24 842404.21 41971.79 17186.11 59157.89 40209.05 14482.35 54691.39 14.99% 6.63% 21.62% 51.68% 9.40% 61.08% 3.04% 1.25% 4.29% 2.92% 1.05% 3.97% (6.36) (7.49) (6.70) (4.42) (6.34) (4.71) (5.55) (5.34) (5.49) (3.24) (2.78) (3.12)

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.

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

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.

Advances by Category of Banks The State owned Banks accounted for the preceding quarter (Jul.-Sep., 2020) and the 19.11% of the total advances at the end of the corresponding quarter (Oct.-Dec., 2019) of the quarter under review. Advances made by State last year respectively. The share of Specialised Owned Banks increased by 5.66% to Banks’ advances accounted for 2.95% in Tk.209462.81 crore at the end of the quarter December 31, 2020 which is 4.31% higher than under review as compared to an increase of the previous quarter. Advances classified by 0.73% and an increase of 6.11% at the end of category of banks are shown in Table-7.

Table -7 Advances Classified by Category of Banks

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.

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Sector-wise Advances Advances in the private sector increased by Tk.5489.47 crore or 35.74% during the preceding Tk.32201.55 crore or 3.09% to Tk.1075648.30 quarter (Jul.-Sep., 2020) and corresponding crore at end of the quarter (Oct.-Dec., 2020) as quarter (Oct.-Dec., 2019) of the last year compared to an increase of Tk.14299.47 crore or respectively. The increase in advances to public 1.39% and Tk.37052.06 crore or 3.92% at the sector was due to an increase in ‘Other than preceding quarter (Jul.-Sep., 2020) and the Government' sector by Tk.1679.82 crore or corresponding quarter (Oct.-Dec., 2019) of the 10.87% to Tk.17130.72 crore while 'Government' last year respectively. Loans to the public sector sector decreased by Tk.296.71 crore or 7.75% to increased by Tk.1383.10 crore or 7.17% to Tk.3529.82 crore at the end of the quarter under Tk.20660.53 crore as compared to a decrease of review. The sector-wise position of advances is Tk.263.74 crore or 1.35% and an increase of shown in Table-8.

Table- 8 Sector-wise Classification of Advances

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.

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Economic Purpose-wise Advances Bulk of Advances (33.42%) was used for 0.53% to Tk.14132.91 crore and ‘Agriculture’ ‘Trade’ purpose followed by advances for loans increased by 4.25% to Tk.50285.46 crore as 'Working Capital Financing' (21.28%) and ‘Term compared to an increase of 0.81% & a decrease Loan’ (20.39%) at the end of the quarter Oct.- of 0.22% at the end of the preceding quarter Dec., 2020. Trade loans increased by Tk.5111.23 (Jul.-Sep., 2020) and an increase of 28.20% & crore or 1.41% to Tk.366343.34 crore and ‘Term 1.94% at the corresponding quarter (Oct.-Dec., Loan’ increased by Tk.8716.49 crore or 4.06% to 2019) of the last year respectively. 'Construction' Tk.223546.60 crore at the end of the quarter loan increased by 0.75% to Tk.94408.20 crore and under review as compared to an increase of ‘Working Capital Financing' loan increased by 2.16% and a decrease of 0.44% respectively at 2.66% to Tk.233308.50 crore and ‘Consumer the end of the preceding quarter (Jul.-Sep., 2020) Finance’ loan increased by 13.37% to Tk.81988.61 and an increase of 4.82% & 3.61% respectively at crore respectively at the end of the quarter under the corresponding quarter (Oct.-Dec., 2019) of review. Table-9 shows economic purpose-wise the last year. ‘Transport’ loans decreased by classification of advances.

Table -9 Economic Purpose-wise Classification of Advances

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.

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Security-wise Advances An analysis of advances classified by Hypothecation of Crops, (iv) Assignment of Bills securities revealed that 66.90% of the total Receivable, (v) Parri Passu Charge, (vi) Other loans were outstanding against ‘Real Estate’ secured and unsecured advances recorded an and 6.06% loans against ‘Export Documents & increase of 0.78% to Tk.78091.34 crore at the Commodities’ at the end of the quarter under end of the quarter Oct.-Dec., 2020 as compared review. Advances against ‘Real Estate’ increased to a decrease of 0.98% and an increase of by 2.81% to Tk.733385.73 crore and that 8.70% at the end of the preceding quarter (Jul.- against ‘Machinery’ decreased by 9.42% to Sep., 2020) and the corresponding quarter Tk.28117.51 crore at the end of the quarter (Oct.-Dec., 2019) of the last year respectively. Oct.-Dec., 2020. ‘Other Items' which includes (i) Security wise classification of advances is shown Gold & Gold Ornaments, (ii)Vehicles, (iii) in Table-10. Table-10 Security-wise Classification of Advances

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

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Division-wise Urban/Rural Advances Division-wise break-up of advances revealed that Dhaka Division Division increased by 9.22% to Tk.12672.22 crore, in Barishal Division consumed 67.68% of total advances of which the share of urban and increased by 7.47% to Tk.12461.12 crore, in Rajshahi Division rural stood at 63.08% and 4.60% respectively at the end of the quarter increased by 5.31% to Tk.41107.07 crore, in Mymensingh Division Oct.-Dec., 2020. The loans in Dhaka Division increased by 2.49% to increased by 6.25% to Tk.14887.83 crore and that in Rangpur Tk.741982.69 crore and in Chattogram Division increased by 3.73% to Division increased by 6.44% to Tk.25640.64 crore. Division-wise Tk.205243.49 crore and in Khulna Division increased by 4.24% to distribution of urban and rural loans is shown in Table-11. Tk.42313.77 crore during the quarter under review. The loans in Sylhet Table-11 (Contd.) Division-wise Urban/Rural Classification of Advances

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.

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

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.

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Division-wise Advances/ Deposits Ratio Ratio of Advances to deposits in review as compared to 0.71, 0.90, 0.72, 0.74, Chattogram, Dhaka, Khulna, Rajshahi, Barishal, 0.47, 0.23, 0.97 and 0.72 respectively at the end Sylhet, Rangpur and Mymensingh Division were of the previous quarter (Jul.-Sep., 2020). Table- 0.69, 0.88, 0.72, 0.75, 0.48, 0.24, 0.95 and 0.74 11A shows the Division-wise Advance/ Deposit respectively at the end of the quarter under Ratio.

Table-11A Division-wise Advance/Deposit Ratio ( Taka in Crore)

Oct.-Dec., 2020 Jul.-Sep., 2020 Divisions Advances Deposits Ratio Advances Deposits Ratio

Chattogram 205243.49 298209.31 0.69 197866.78 279474.37 0.71

Dhaka 741982.69 842404.21 0.88 723933.36 804517.71 0.90

Khulna 42313.77 59157.89 0.72 40591.82 56081.41 0.72

Rajshahi 41107.07 54691.39 0.75 39032.82 53038.72 0.74

Barishal 12461.12 25812.86 0.48 11595.14 24912.19 0.47

Sylhet 12672.22 51819.15 0.24 11602.12 50114.12 0.23

Rangpur 25640.64 26914.26 0.95 24089.99 24897.52 0.97

Mymensingh 14887.83 20141.37 0.74 14012.13 19593.76 0.72

Total 1096308.83 1379150.45 0.79 1062724.18 1312629.80 0.81

Growth of Scheduled Bank Branches The number of scheduled bank branches in increased by 71 or 1.30% during the quarter the country increased by 145 or 1.37% to 10752 under review as compared to an increase by 8 during the quarter Oct.-Dec., 2020 as compared or 0.15% during the preceding quarter (Jul.- to an increase of 19 or 0.18% to 10607 and 172 Sep., 2020). The growth of bank branches of or 1.65% to 10578 during the preceding quarter State Owned Banks, Specialised Banks, Foreign (Jul.-Sep., 2020) and the corresponding quarter Banks and Private Banks is shown in Table-12. (Oct.-Dec., 2019) of the last year respectively. Division/Area-wise distribution of bank The share of rural branches during the quarter branches is shown in Table-13. was 48.56%. The number of urban branches Grameen Bank A total of 2,568 branches of Grameen Bank members (300,412 males and 9,036,435 were in operation at the end of December, females) were organised into groups for 2020. It has extended its services to 81,678 providing financial assistance services. villages of Bangladesh where in 9,336,847

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Table-12 Number of Scheduled Bank Branches Operating in Bangladesh

At end of State Owned Banks SpecialisedBanks Foreign Private Banks All Banks the quarter Urban Rural Total Urban Rural Total Banks Urban Rural Total Urban Rural Total 2019 Oct.-Dec. 1755 2018 3773 278 1205 1483 65 3349 1908 5257 5447 5131 10578 16.59% 19.08% 35.67% 2.63% 11.39% 14.02% 0.61% 31.66% 18.04% 49.70% 51.49% 48.51% 100.00% (0.00) (0.50) (0.27) (0.00) (0.08) (0.07) (0.00) (2.48) (4.38) (3.16) (1.51) (1.81) (1.65) 2020 Jan.-Mar. 1755 2019 3774 278 1205 1483 65 3352 1909 5261 5450 5133 10583 16.58% 19.08% 35.66% 2.63% 11.39% 14.01% 0.61% 31.67% 18.04% 49.71% 51.50% 48.50% 100.00% (0.00) (0.05) (0.03) (0.00) (0.00) (0.00) (0.00) (0.09) (0.05) (0.08) (0.06) (0.04) (0.05)

Apr.-Jun. 1755 2020 3775 278 1205 1483 65 3354 1911 5265 5452 5136 10588 16.58% 19.08% 35.65% 2.63% 11.38% 14.01% 0.61% 31.68% 18.05% 49.73% 51.49% 48.51% 100.00% (0.00) (0.05) (0.03) (0.00) (0.00) (0.00) (0.00) (0.06) (0.10) (0.08) (0.04) (0.06) (0.05)

Jul.-Sep. 1755 2020 3775 278 1205 1483 67 3360 1922 5282 5460 5147 10607 16.55% 19.04% 35.59% 2.62% 11.36% 13.98% 0.63% 31.68% 18.12% 49.80% 51.48% 48.52% 100.00% (0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (3.08) (0.18) (0.58) (0.32) (0.15) (0.21) (0.18) Oct.-Dec. 1761 2037 3798 281 1211 1492 67 3422 1973 5395 5531 5221 10752 16.38% 18.95% 35.32% 2.61% 11.26% 13.88% 0.62% 31.83% 18.35% 50.18% 51.44% 48.56% 100.00% (0.34) (0.84) (0.61) (1.08) (0.50) (0.61) (0.00) (1.85) (2.65) (2.14) (1.30) (1.44) (1.37)

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

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

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. 3. Due to unavailability of data, figures of Apr.-Jun.,2018 to Apr.-Jun.,2019 have been estimated.

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Chart 1: Deposits Distributed by Types of Account (All Banks)

(Taka in Crore) 700000 Jul.-Sep., 2020 650000 Oct.-Dec., 2020 600000 550000 500000 450000 400000 350000 300000 250000 200000 150000 100000 50000

…

Deposits

Accounts

Special Notice Special

Wage Earner's Wage

Fixed Deposits Fixed

Account of of Account

Other Deposits Other

Savings Deposits Savings

Convertible Convertible Taka

Credit AccountCredit

Foreign Currency Foreign

Current andCurrent Cash

Resident Foreign Resident

Currency Deposits Currency RecurringDeposits

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Chart 2: Advances Classified by Economic Purposes (All Banks)

(Taka in Crore) 400000 Jul.-Sep., 2020 Oct.-Dec., 2020 350000

300000

250000

200000

150000

100000

50000

Others Others

Transport

Term Term Loan

Financing

Construction

& Forestry &

Working CapitalWorking

Consumer FinanceConsumer Agriculture,Fishing Trade & Commerce & Trade

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INDICATORS

1Banking Regulation and Policy Department, Bangladesh Bank.

xxviii

Weighted Average Rates of Interest on Deposits As on December 31, 2020

(in percent)

Weighted Average Rates of Interest on Advances By Major Economic Purposes As on December 31, 2020 (in percent) Industry Agriculture Other Trade All Fishing Working Construc Institu- Consumer Miscell- Banks Term Transport & Advances & Capital -tion tional Finance aneous Loan Commerce Forestry Financing Loan 1 2 3 4 5 6 7 8 9 10 All Banks 7.69 7.85 7.64 8.19 7.71 6.46 7.25 7.50 8.65 6.28

State Owned Banks 6.18 6.82 5.85 6.68 5.62 5.14 5.83 7.83 7.03 6.44

Private Banks (a+b) 8.06 8.27 7.96 8.50 8.23 8.01 7.58 7.46 9.54 5.84

a) Domestic 8.10 8.36 7.97 8.57 8.23 7.97 7.65 7.51 9.54 4.62

b) Foreign 7.26 7.66 7.60 7.31 6.84 8.93 5.15 7.01 9.57 8.35

Specialised Banks 7.59 8.01 7.33 4.09 4.00 --- 7.08 --- 5.75 7.32

Islamic Banks 8.49 9.18 8.10 8.99 8.11 8.65 8.43 6.90 8.72 7.47

Note: … = Not applicable

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