Banking Sector Performance, Regulation and Bank Supervision Essay

7742 Words Apr 10th, 2012 31 Pages
Chapter-5

Banking Sector Performance, Regulation and Bank Supervision

5.1 Industry statistics of the banking sector and the performance trends have been discussed in this chapter. The banking sector in Bangladesh comprises of four categories of scheduled banks.
These are, nationalized commercial banks
(NCBs), government owned development finance institutions (DFIs), private commercial banks
(PCBs) and foreign commercial banks (FCBs).
As of December 2004, total number of banks operating in Bangladesh remained unchanged at
49. These banks have a total number of 6,303 branches including 10 overseas branches.
Structure of the banking sector with breakdown by type of banks is shown in Table 5.1.

5.3 Total deposits of the
…show more content…
During this period, NCBs' assets increased by 8.2 percent and those of the PCBs rose by 21.2 percent. Loans and advances played a major role on the uses of fund. Loans and advances amounting to Taka 1,047.1 billion out of aggregate assets of Taka 1,725.5 billion

Table 5.1 Banking system structure

(billion Taka)

2003

2004

Bank Number Number of types of banks branches

Total assets % of industry assets

deposits

NCBs
DFIs
PCBs
FCBs
Total

631.6
154.5
617.8
110.1
1,514.0

41.7
10.2
40.8
7.3
100.0

525.0
62.6
468.2
84.5
1,140.3

4
5
30
10
49

3,397
1,314
1,510
32
6,253

% of
Number Number of Total deposits of banks branches assets
46.0
5.5
41.1
7.4
100.0

29

4
5
30
10
49

3,388
1,328
1,550
37
6,303

683.7
167.9
749.3
124.6
1,725.5

% of deposits % of deposits industry assets 39.6
567.5
9.7
75.1
43.5
588.0
7.2
95.5
100.0 1,326.1

42.8
5.7
44.3
7.2
100.0

Banking Sector Performance, Regulation and Bank Supervision

Chapter-5

Chart 5.1

Chart 5.2
Aggregate industry liabilities (Dec, 2003)
(billion Taka)

Aggregate industry assets (Dec, 2003)
(billion Taka)

Deposits,
1140.3, 75%

Loans & advances, 918.3, 60%

Govt. bills & bonds, 162.3, 11%

Deposit with BB,
84.1, 6%

Cash in tills,
13.4, 1%

other assets,

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