1. Welcome to our Presentation On Capital structure and profitability analysis Welcome to our Presentation On Capital structure and profitability analysis

2. Dhaka Bank: History The Bank was incorporated as a public limited company under the Companies Act. 1994. The Bank started its commercial operation on July 05, 1995 with an authorized capital of Tk. 1,000 million and paid up capital of Tk. 100 million. Strategic Objectives  Their objectives are to conduct transparent and high quality business operation based on market mechanism within the legal and social framework spelt in our mission and reflected in our vision.  Their greatest concerns are their customers to provide them continually efficient, innovative and high quality products with excellent delivery system. Company Overview

3. Products and Services of Dhaka Bank Ltd. Capital structure The capital structure of Dhaka Bank Ltd. is quite strong. Its authorized capital is Tk 6,000 million and paid up capital is Tk 2,128 million. Market price per share is tk 780. Products/Services Products  Services:  Internet Banking  SMS Banking  Locker  ATM Card  VISA Credit Card  Utility Bill BBbILLBill/TuitioFeeCollection Liability Products: Savings Bundled Product Deposit Pension Scheme Special Deposit Scheme Deposit Double Scheme Gift Cheque Asset Products: Home loan Personal loan Vacation loan Car loan Any Purpose loan

4. Company overview of Beximco Textile. IFIC Bank 2.9 History IFIC Bank operates as a scheduled Bank under banking license issued by Bangladesh Bank, the central bank of Bangladesh. This Bank is having an authorized capital of Tk. 500 million and Paid up Capital Tk. 406.44 million sponsored by 14 members of board of directors.

5. Capital Structure Analysis Product and Services Besides traditional Banking services, IFIC Bank Limited has added a wide range of products/services in its service portfolio. Various products & services offered by IFIC Bank Ltd. include: Deposit SchemesLoan Schemes Current Account DepositsGeneral Loan Scheme; Savings Bank DepositLease Finance Fixed DepositConsumer Credit Scheme Short Term DepositCar Loan Monthly Benefit Deposit SchemeLoan Against Salary Special Deposit SchemeDoctors loan Pension Savings SchemeHouse Building Loan/Apartment Loan Scheme Double Benefit SchemeSME Loan Credit Card Educational Loan

6. Deposit The deposit base of the Bank continued to register a steady growth and stood at Tk.60, 918 million excluding call as of 31 December 2009 compared to Tk. 56,986 million of the previous year registered a 7% growth. Deposit The deposit base of the Bank continued to register a steady growth and stood at Tk.60, 918 million excluding call as of 31 December 2009 compared to Tk. 56,986 million of the previous year registered a 7% growth. Deposit Mix Deposit Mix of the Bank as of 31 December 2009 was as follows: Deposit Mix Deposit Mix of the Bank as of 31 December 2009 was as follows:

7. Sources and Uses of Fund Sources of fund and uses of fund of the Bank as of 31 December 2009 was as follows:

8. Geographical location wise loans and advances From the graph it is seen that Dhaka bank provides most of the portion of loan and advances in urban area, whereas they provide a little portion in rural area. As we seen before that this bank provide more loan and advances in other industries than agricultural industries. Because of this their contribution to urban area is more than rural area.

9. Credit/ deposit Ration Credit to deposit ratio measures what portion of deposit collected from surplus unit lend to deficit unit. Greater this ratio shows greater ability to utilize its liability to revenue sector. Credit to deposit ratio has increased from 82.03% to 87.21% in 2007 to 2008. Where as it has decrease from 87.21% to 86.85% in 2008 to 2009. This ratio is increasing but not a steady rate. Credit to deposit ratio measures what portion of deposit collected from surplus unit lend to deficit unit. Greater this ratio shows greater ability to utilize its liability to revenue sector. Credit to deposit ratio has increased from 82.03% to 87.21% in 2007 to 2008. Where as it has decrease from 87.21% to 86.85% in 2008 to 2009. This ratio is increasing but not a steady rate.

10. Non Performing Loan As of 31 December 2009, 94.43% of the total Bank's loan portfolio was regular while only 5.57% of the total portfolio was non-performing as compared to 3.84% of 2008. Bank made required provision as of 31 December against performing and non - performing loans as per rate and classification norm provided by Bangladesh Bank. The volume of non-performing loans stood at Tk.2, 946 million in 2009 from Tk. 1,908 million in 2008. Of the total loan provision of Tk.2, 113 million, Tk.625 million was general provision, which was 30% of the total provision. The rest Tk.1, 488 million was against the classified accounts. Non Performing Loan As of 31 December 2009, 94.43% of the total Bank's loan portfolio was regular while only 5.57% of the total portfolio was non-performing as compared to 3.84% of 2008. Bank made required provision as of 31 December against performing and non - performing loans as per rate and classification norm provided by Bangladesh Bank. The volume of non-performing loans stood at Tk.2, 946 million in 2009 from Tk. 1,908 million in 2008. Of the total loan provision of Tk.2, 113 million, Tk.625 million was general provision, which was 30% of the total provision. The rest Tk.1, 488 million was against the classified accounts.

11. Investment The Bank's Investment during the year 2009 were mostly in long term Government Securities which stood at Tk.8,660 million as against Tk, 7,239 million making a growth of 20% over the last year. Investment The Bank's Investment during the year 2009 were mostly in long term Government Securities which stood at Tk.8,660 million as against Tk, 7,239 million making a growth of 20% over the last year. Income from Investment From the graph we can see that return on investment in 2008 is 9.18% and 10.63% in 2009. so the firm gradually improving their income from investment.

12. IFIC Bank Deposit Mix From the Graph it can be said that the maximum portion of deposit comes from fixed deposit 44% of total deposit, 23% of that comes from current deposit. Where saving deposit and other deposit provides 18% and 15% respectively.

13. Performance of Different Types of Loans Type of Loan 200920082007 Amount ( In Lac)% % % Loan General719129.35615523.69383320.03 House building19027.7622408.62215911.28 Lease finance286411.69291711.23297815.56 Hire Purchase563222.99592222.79591830.92 Cash Credit419817.14355413.68215511.26 SOD (Work order)3211.3126114232.21 SOD General23879.75493318.9916718.73 Total244961002598210019137100

14. Loans in Different Economic Sectors Sector 200920082007 Amount ( In Lac)% % % Garments734229.97713127.45710337.12 Manufacturing887536.23695426.76335817.55 Service3521.445532.139484.95 Trade13625.56150.06160.08 Transportation271311.084171.604732.47 House building16696.813291.263311.73 Investment4051.6513775.305943.10 IT service90.04299711.54296115.48 Importer5212.1317136.59198410.37 Exporter3161.293471.344832.52 Personal9333.81414915.978854.63 Total244961002598210019137100

15. Investment Major portion of the investment of IFIC Bank was in the Government sector. The investment of the IFIC Bank is increasing. In the year of 2008 it was Tk 3515.48 million and in 2009 it increase to Tk 9002.95 million. Income from investment Income from investment of IFIC Bank is decreasing that we can see in the graph. The return on investment was 13.22% in 2008 and it i s decreased to 11.68% in 2009.

16. Findings Both Dhaka Bank and IFIC Bank collected maximum deposit from fixed deposit, 69% and 44% respectively. Dhaka Bank provides loan to the textile and garments industry (18%) and IFIC Bank provides loan maximum in manufacturing sector 36% Dhaka Bank provide maximum amount of loan to Dhaka region. Credit to loan ratio is increasing for both company, it is higher in 2009 for IFIC Bank 91% than Dhaka Bank 86.85%. Interest income from Loan and advance is higher for Dhaka Bank 6907.66 million than IFIC Bank 3872.14 million.

17. Findings Non performing loan is for Dhaka Bank is 5.57% which is less than IFIC Bank 8.68%. The income from investment of Dhaka Bank is increased to 10.63% from 9018%. But reverse situation for IFIC bank their income from investment is decreased to 11.68% from 13.22%. But in compare to this two Banks the IFIC Bank is in good position in 2009. Both the company invests major portion of investment money in government sector.

18. Recommendation  Non performing loan is higher more or less for both the bank. They should give more emphasize on better monitoring after paying loan to the borrower.  The income from investment is decreasing for Dhaka Bank they should invest in more profitable sector, and they should do proper analysis before investment.  In government sector, such as T-bill, the return is so low so they should reduce the amount from government sector and invest in profitable portfolio so that their profit from investment is increased.  Dhaka bank is less capable to provide loan in compare to deposit, so they should seek potential eligible borrower in which they can earn extra profit.  Non performing loan is higher more or less for both the bank. They should give more emphasize on better monitoring after paying loan to the borrower.  The income from investment is decreasing for Dhaka Bank they should invest in more profitable sector, and they should do proper analysis before investment.  In government sector, such as T-bill, the return is so low so they should reduce the amount from government sector and invest in profitable portfolio so that their profit from investment is increased.  Dhaka bank is less capable to provide loan in compare to deposit, so they should seek potential eligible borrower in which they can earn extra profit.

19. Thank You All