BBK annual report eng 21.5.5

Financial Highlights2000 2001 2002 2003 2004Income Statement Highlights BD millionsNet interest income 20.8 23.7 25.5 26.1 29.5Other income 11.2 13.6 16.2 21.4 23.6Operating expenses 16.8 18.9 19.9 22.0 23.2Net profit for the year 13.1 16.7 20.0 23.3 25.7Dividend 18% 25% 27% 30% 35%Financial Statement Highlights BD millionsTotal assets 1,059 1,101 1,215 1,314 1,421Net loans 499 481 537 659 765Investments 318 328 386 415 407Deposits 847 873 985 1,064 1,146Term loans 75 85 85 38 –Medium term deposits from banks – – – 47 94Shareholders’ equity 115 126 131 142 158ProfitabilityEarnings per share – fils 23 30 35 41 45Cost / income 52.40% 50.70% 47.70% 46.30% 43.70%Return on average assets 1.22% 1.50% 1.66% 1.83% 1.83%Return on average equity 12.00% 14.40% 16.10% 17.80% 17.80%Profit per employee (BD) 18,960 24,117 28,341 32,739 36,578CapitalCapital adequacy 17.30% 17.10% 16.80% 16.73% 18.82%Shareholders' equity / Total assets 10.90% 11.40% 10.80% 10.80% 11.10%Debt / equity 65.60% 67.40% 64.70% 59.63% 59.73%Liquidity and Business IndicatorsLoans & advances / Total assets 47.20% 43.70% 44.20% 50.20% 53.80%Investments excluding T bills / Total assets 28.40% 26.40% 26.00% 25.70% 26.47%Liquid assets / Total assets 41.40% 31.60% 34.10% 32.40% 29.49%Non inter-bank deposits / Loans & investments 85.40% 95.40% 87.10% 86.04% 82.28%Net interest margin 2.27% 2.41% 2.45% 2.30% 2.29%Number of employees 692 694 706 712 702Annual Report 2004 02 | 03