Asset Quality Ratio %

Table: 2.10.2 Asset Quality Ratio

B. Asset Quality Ratio % : Year-2009 Year-2008 Year-2007 Year-2006
1. Non performing loan to Total Loan 2.20 2.84 5.06 5.03
2. Loan Loss Reserve to Total Loan 2.93 2.83 4.45 2.50
3. Loan to deposit 76.23 77.04 79.42 74.03

Reference: Annual report of JBL 2009.

Fig: 2.10.6
Non performing loan to Total loan

2.2
3
2009
Non performing loan to
Total Loan
2.84
2
2008 Year

5.06
1
2007

Fig: 2.10.7
Loan Loss Reserve to Total Loan

4.45
2.93 2.83 2.5
0
Year- Year- Year- Year-
2009 2008 2007 2006

Loan Loss Reserve to Total Loan

Fig: 2.10.8
Loan to Deposit

00
74.03 76.23
Year-2009

Year-2008

79.42 77.04 Year-2007

Year-2006

Reference: Asset quality ratio of JBL 2006 to2009

Comments: This figure shows that the asset quality ratio of Jamuna Bank Limited is increasing
significantly from 31.12.2006 to 31.12.2009.
 Capital Ratio / Regulatory Capital Ratio %
Table: 2.10.3 Capital Ratio
C. Capital Ratio Or
Regulatory Capital Ratio % : Year-2009 Year-2008 Year-2007 Year-2006

1. Total Risk - Based Capital Ratio 12.83 11.91 12.42 14.79

2. Tier 1 Risk- Based Capital Ratio 9.80 10.39 10.95 13.58
3. Leverage Capital Ratio: 8.78 1042 10.98 9.76
4. Average Equity to Average Assets 7.64 6.58 6.91 6.40
References: Annual report of JBL 2009.
Fig: 2.10.9
Total Risk Based Capital Ratio

16
14
12
10
8 14.79
6 12.83 11.91 12.42
4
2
0
Year-2009 Year-2008 Year-2007 Year-2006
Total Risk Based Capital Ratio

Tier 1 Risk Based Capital Ratio

Fig: 2.10.10

00 9.8
13.58

10.39
10.95

Year-2009 Year-2008 Year-2007 Year-2006

Fig: 2.10.11
Leverage Capital Ratio (Capital)

12 10.98
10.42
9.76
10 8.78
8
6
4
2
0
Year-2009 Year-2008 Year-2007 Year-2006

Leverage Capital Ratio (Capital)

Reference: Asset quality ratio of JBL 2006 to 2009

Comments: These figure shows that the asset ratio of Jamuna Bank Limited is increasing
significantly from 31.12.2006 to 31.12.2009.
 Maturity grouping of loans and advances:

Table: 2.10. 4 Maturity grouping of loans and advances

Maturity Grouping of loans, advances Year 2009 Year 2008

Payable on demand 2,299,139,261 1,010,751,356

Not More than three months 4,029,877,863 3,742,783,418
More than three months but not more than 1 year 16,817,138,373 9,894,012,811
More than 1 year but not more than 5 years 7,250,587,042 5,265,293,827
More than 5 years 1,890,918,617 1,124,019,600
Total 32,287,661,156 21,036,861,012

Reference: Annual report of JBL 2009.

Fig: 2.10.12 Maturity Grouping of Loan and Advances

Maturity Grouping of Loan and Advance

Year 2008 1,010,751,356

Year 2009 2,299,139,261

Year

Value

Payable on demand

Fig: 2.10.13 Loan Not More than three months

Maturity Grouping of Loan and Advance

Year 2008
Year 2009
Year

0 2000 4000 6000

Value Millions

Not More than three months

Fig: 2.10.14 Loan More than three months but not more than 1 year
Maturity Groipingof Loan and Advance

Year 2008 9,894,012,811

Year 2009 16,817,138,373

More than three months but
not more than 1 year

Fig: 2.10.15 Loan More than 1 year but not more than 5 years
Maturity Grouping of Loan and advance
5,265,293,827

1,124,019,600
7,250,587,042

1,890,918,617
Year 2008
Year 2009

0 5E+09 1E+10

More than 1 year but not more than 5 years More than 5 years

References: Annual report of JBL 2009.

Comments: This figure shows that the maturity grouping of loans and advances of Jamuna Bank
Limited is increasing significantly from 31.12.2006 to 31.12.2009.
Concentration of advances:
Table: 2.10. 5 Concentration of advances

Concentration of advances Year 2009 Year 2008

Advances to allied concerns of Directors
Advances to Chief Executives and other 77,484,000 69,732,000
officers
Customer Groups: Year 2009 Year 2008
Agriculture and Fisheries 162,900,000 98,300,000
Industry Wise 5,602,500,000 4,019,800,000
Small and Cottage 1,432,500,000 373,100,000
Advances to other Customers 25,012,277,155 16,475,929,012
Total 32,210,177,155 20,967,129,012

Reference: Reference: Annual report of JBL 2009.

Fig: 2.10.16 Customer Groups of Advance

Customer Groups of Advance

30000000000
25000000000
20000000000
Value

15000000000
10000000000
5000000000
0
Agriculture Industry Wise Small and Advances to
and Fisheries Cottage other
Customers
Year

Year 2009 Year 2008

Reference: Annual report of JBL 2009.

Comments: This figure shows that the customer group advances of Jamuna Bank Limited is
increasing significantly from 31.12.2008 to 31.12.2009.