|
|
|
07. |
Loans and advances |
|
2007 |
|
2006 |
|
|
Loans , cash credits and
over drafts etc |
Taka |
|
Taka |
|
|
In Bangladesh : |
|
|
|
|
|
|
Over draft |
|
278,320,169 |
|
309,356,484 |
|
|
Cash credit |
|
10,225,370,061 |
|
8,814,439,919 |
|
|
Loan |
|
8,531,384,570 |
|
7,338,308,947 |
|
|
Special credit |
|
3,011,784,476 |
|
2,516,948,647 |
|
|
Agri credit |
|
66,056,547 |
|
16,364,232 |
|
|
Rural credit |
|
198,631 |
|
198,631 |
|
|
Loan against imported merchandise |
|
778,739,411 |
|
663,621,921 |
|
|
Loan against trust receipt |
|
1,864,099,232 |
|
1,737,370,372 |
|
|
Overdraft export |
|
126,291,696 |
|
170,103,789 |
|
|
Lease financing (Note 07.2) |
|
415,759,936 |
|
330,919,027 |
|
|
|
|
25,298,004,729
|
|
21,897,631,969
|
|
|
Outside Bangladesh |
|
- |
|
- |
|
|
|
Sub total |
25,298,004,729
|
|
21,897,631,969
|
|
|
Bills discounted and
purchased |
|
|
|
|
|
In Bangladesh : |
|
2,963,315,228 |
|
2,989,487,908 |
|
|
Demand draft purchased |
|
2,483,358 |
|
9,061,394 |
|
|
Inland bills purchased |
|
2,385,881,229 |
|
2,241,192,688 |
|
|
Payment against documents |
|
574,950,641 |
|
739,233,826 |
|
|
Outside Bangladesh : |
|
216,087,309 |
|
276,737,144 |
|
|
Foreign bills purchased |
|
209,248,231 |
|
273,891,507 |
|
|
Foreign drafts purchased |
|
6,839,078 |
|
2,845,637 |
|
|
|
Sub total |
3,179,402,537 |
|
3,266,225,052 |
|
|
|
Total |
28,477,407,266
|
|
25,163,857,021
|
|
|
|
|
|
|
|
|
07.1 |
Net loans and advances |
|
|
|
|
|
|
Total loans and advances |
|
28,477,407,266 |
|
25,163,857,021 |
|
|
Less:Interest suspense |
|
(188,952,604) |
|
(259,519,358) |
|
|
Less:Provision for loans and
advances |
|
(826,401,594) |
|
(907,448,567) |
|
|
Net loans and advances |
|
27,462,053,068
|
|
23,996,889,096
|
|
07.2 |
Lease finance |
|
|
|
|
|
|
Lease finance receivable within 1
year |
|
30,346,394 |
|
59,075,928 |
|
|
Lease finance receivable within 5
years |
|
385,413,542 |
|
271,843,099 |
|
|
Lease finance receivable after 5
years |
|
- |
|
- |
|
|
Total lease receivables |
|
415,759,936
|
|
330,919,027
|
|
|
|
|
|
|
|
|
|
The Bank has finance lease under its
credit portfolio. Amount disbursed to leases under finance lease
are recorded as lease finance and shown along with loans and
advances. At present interest is charged on the lease amount on
daily product basis. |
|
07.3 |
Maturity grouping of loans &
advances |
|
|
|
|
|
including bills discounted
and purchased |
|
|
|
|
07.3.1 |
Loans and Advances |
|
|
|
|
|
|
Receivable on Demand. |
|
-
|
|
-
|
|
|
Upto 1 month |
|
4,335,292,297 |
|
3,922,890,814 |
|
|
Over 1 month but not more than 3
months |
4,138,573,859 |
|
3,799,485,557 |
|
|
Over 3 months but not more than 1
year |
8,141,836,332 |
|
6,998,894,763 |
|
|
Over 1 year but not more than 5
years |
|
5,893,438,541 |
|
4,855,945,316 |
|
|
Over 5 years |
|
2,788,863,700 |
|
2,320,415,519 |
|
|
|
Sub total |
25,298,004,729 |
|
21,897,631,969 |
|
07.3.2 |
Bill discounted and
purchased |
|
|
|
|
|
|
Payable within one month |
|
9,322,436 |
|
11,907,031 |
|
|
Over 1 month but not more than 3
months |
3,170,080,101 |
|
3,254,318,021 |
|
|
Over 3 month but not more than 6
months |
- |
|
- |
|
|
Six months or more |
|
- |
|
- |
|
|
|
Sub total |
3,179,402,537 |
|
3,266,225,052 |
|
|
|
Total |
28,477,407,266
|
|
25,163,857,021
|
|
07.4 |
Loans and advances under the
following |
|
|
|
|
|
broad categories |
|
|
|
|
|
|
In Bangladesh : |
|
|
|
|
|
|
Loan |
|
14,794,314,499 |
|
13,513,069,492 |
|
|
Cash Credit |
|
10,225,370,061 |
|
8,814,439,819 |
|
|
Over Draft |
|
278,320,169 |
|
309,356,484 |
|
|
|
|
25,298,004,729 |
|
22,636,865,795 |
|
|
Outside Bangladesh |
|
- |
|
- |
|
|
|
Sub total |
25,298,004,729 |
|
22,636,865,795 |
|
|
Bills discounted and
purchased |
|
|
|
|
|
|
In Bangladesh : |
|
2,963,315,228 |
|
2,250,254,082 |
|
|
Outside Bangladesh |
|
216,087,309 |
|
276,737,144 |
|
|
|
Sub total |
3,179,402,537 |
|
2,526,991,226 |
|
|
|
Total |
28,477,407,266
|
|
25,163,857,021
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
07.5 |
Loans and advances on the
basis |
|
|
|
|
|
|
of significant
concentration: |
|
|
|
|
|
|
Advance to allied concerns of
Directors (Note 42.4) |
334,642,465 |
|
362,749,112 |
|
|
Advance (HBL) to the employees' of
the Bank (Note 07.6) |
375,051,000 |
|
347,633,000 |
|
|
Advance to customers' group |
|
21,631,113,801 |
|
21,341,374,909 |
|
|
Industrial Advances (Note 07.7) |
|
6,136,600,000 |
|
3,112,100,000 |
|
|
|
Total |
28,477,407,266
|
|
25,163,857,021
|
|
07.6 |
Advance (HBL) to the
employees of the Bank |
|
|
|
|
|
Advance to the Managing Director |
|
906,006 |
|
1,980,655 |
|
|
Advance to senior executives |
|
4,289,396 |
|
3,691,584 |
|
|
Advance to other employees |
|
369,855,598 |
|
341,960,761 |
|
|
|
Total |
375,051,000
|
|
