FAZLAY RABBI

ID: 43

Post Merger Situation

Sl. No.

Description

BSB & BSRS Position

as on December,

BDBLS Position as
December,

Increase or
decrease

2009

2010

(%)

143.00

325.00

127

1027.00

990.47

(4)

55.34

55.16

(0.32)

01.

Deposit

02.

Loans & Advances

03.

DSL Paid

04.

Balance of DSL

316.22

261.06

(17)

05.

Income

121.00

184.51

52

06.

Expenditure

67.00

102.00

52

07.

Net Profit Before Tax

53.55

82.51

54

08.

Loan Sanction

109.84

94.33

(14)

09.

Loan Disbursed

91.21

90.08

(1)

10.

Recovery of Loan

106.58

170.52

60

11.

Recovery from Written-off Loan

20.65

24.64

19

12.

Balance of Written-off Loan

2437.96

2387.23

(20)

13.

Balance of Classified Loan

293.20

310.17

14.

Rate of Classified Loan (Excluding

Staff Loan)

34.25%

38.50%

15.

Balance of Interest in Suspense

139.36

125.32

(10)

16.

Shareholders Equity

643.86

1563.72

142.87

Post Merger Situation

Increase of asset by 1073.10 crore in 2010.
Increase in deposit by 143 crore in 2010.
Loan recovery was 170.52 crore which 104.65% of
annual target.
Operating profit was 82.48 crore.
Written off loan decreased substantially.
The bank had been rated A+ for Long Term Loan and
ST-2 for Short Term Loan by the Credit Rating Agency,
CRISL.
As per Basel-II, the bank had maintained adequate
capital to mitigate its risk and thereby left a surplus
capital of Tk. 663.25 crore.

Post Merger Situation

In SME sector BDBL given authority to sanction
and disburse of loan up to Tk.30lac at Branch
level.
In retail banking the bank has launched
consumers credit and personal loan scheme
under retail banking in 2010.
Financing eco-friendly projects that help
mitigate environmental degradation by lending
more for renewable energy, effluent treatment
plants and other projects is a priority for the
Bank.

Post Merger Situation

Loan Type

Pre-merger (2009)

Post-merger (2010)

109.84

94.33

Loan Disbursed

91.21

90.08

Loan Recovered

106.58

170.52

Loan Sanctioned

Figure: Comparison of Loan Sanctioned,

Disbursed, and Recovered

Post Merger Situation

Value Added Statement of BDBL at the year-end of

December 31, 2010 is as follows:
Sources of Fund

Amount in taka

Income from Services and Other Operations

1733233071

Less: Cost Of Services and Suppliers

(257155869)

Value Added

1476077202

Other Income
Total Value Addition

104504062
1580581264

Applied in the Following Ways:To Employees

Salaries, Allowances and Other benefits

341309344

Contribution to Superannuation Fund, Provident Fund and Benevolent Fund

396434395

To Government
Corporate Income Tax

177937864

To Provider of Capital
Dividend

50000000

Retained by the Bank

As Provision for Loans
As Depreciation
As Reserves
As Retained Earnings
Total Value Addition

2400000
18049135
591101778
3348748
1580581264