Annual Report 2022 .

Reports & Financial Statements BRAC Bank Limited

Amount in Taka Amount in Taka
Consolidated BRAC Bank Limited Consolidated BRAC Bank Limited
Particulars Note Particulars Note
2022 2021 2022 2021 2022 2021 2022 2021
Quoted 8.3 Net loans and advances
Investment in secondary market 6,118,355,504 , , , , , , , , , Gross loans and advances , , , 322,135,188,439 , , , , , ,
6,118,355,504 5,772,644,214 4,679,007,081 4,348,697,004 Less: Interest suspense . , , , , , , , , , , , ,
6,750,485,372 6,165,950,469 5,167,512,591 4,645,016,664 Less: Provision for loans and
7.2.3 Preference shares advances including Covid
special provision . , , , , , , , , , , , ,
Union Capital Preference Share 2,500,000 4,000,000 2,500,000 4,000,000
394,987,072,241 306,499,484,642 394,790,564,387 306,795,632,359
2,500,000 4,000,000 2,500,000 4,000,000
8.4 Loans and advances under the following broad categories
7.3 Maturity wise grouping of investment
Inside Bangladesh:
On demand - - , , , -
Loans , , , , , , 383,346,598,800 293,842,653,431
Up to 1 month , , , , , , , , , , ,
Cash credit - - - -
More than 1 month but not
more than 3 months , , , , , , , , 200,000,000 Overdrafts , , , , , , , , , , , ,
More than 3 months but not 412,012,488,860 321,868,932,306 410,604,145,236 , , ,
more than 1 year 14,536,811,309 , , , , , , , , , Outside Bangladesh:
More than 1 year but not more Loans - - - -
than 5 years 36,654,461,496 33,494,806,504 , , , 31,885,306,402 Cash credits - - - -
More than 5 years 49,592,338,603 , , , , , , 13,289,316,251 Overdrafts , , 266,256,133 , , 266,256,133
116,551,993,858 70,068,593,304 64,287,682,264 51,590,814,842 , , 266,256,133 , , 266,256,133
412,084,750,584 322,135,188,439 410,676,406,960 321,212,230,987
8 Loans and advances
8.5 Geographical location wise portfolio grouping
Loans, cash credit,
overdrafts etc. 8.1.1 , , , , , , , , , 168,205,415,381 Inside Bangladesh: Rural
Small and medium enterprises 8.1.2 , , , , , , , , , , , , Dhaka Division 21,801,834,985 16,286,585,281 21,801,834,985 16,286,585,281
Bills purchased and discounted* 8.2 , , , , , , , , , , , , Chattogram Division , , , , , , , , , , , ,
412,084,750,584 322,135,188,439 410,676,406,960 321,212,230,987 Khulna Division 2,135,336,810 , , , 2,135,336,810 , , ,
* Bills purchased and discounted excludes bills purchased and discounted of small and medium enterprises (SME). Sylhet Division , , , , , , , ,
Barisal Division , , , 2,252,683,323 , , , 2,252,683,323
8.1.1 Loans, cash credit, overdrafts etc.
Rajshahi Division - - - -
Overdrafts 14,264,660,532 , , , 14,264,660,532 , , , Rangpur Division - - - -
Demand loans , , , , , , , , , , , , Mymensingh Division - - - -
Term loans 101,066,162,683 84,980,045,030 101,066,162,683 84,980,045,030 35,046,610,978 26,704,737,166 35,046,610,978 26,704,737,166
Lease receivables , , 823,850,563 , , 823,850,563 Inside Bangladesh: Urban
Credit Cards , , , , , , , , , , , , Dhaka Division , , , , , , , , , , , ,
Staff loans , , , 1,123,591,696 1,139,528,139 1,113,245,362 Chattogram Division , , , 29,398,804,991 , , , , , ,
Margin loan 2,383,856,084 , , , - - Khulna Division 19,220,934,984 14,920,391,316 19,220,934,984 14,920,391,316
, , , 169,985,342,854 , , , 168,205,415,381 Sylhet Division , , , , , , , , , , , ,
Less: Inter company elimination 988,895,848 , , - - Barisal Division , , , , , , , , , 14,860,502,458
222,711,877,598 169,128,372,833 221,303,533,974 168,205,415,381 Rajshahi Division 6,891,514,015 20,018,904,916 6,891,514,015 5,263,466,418
8.1.2 Small and medium enterprises Rangpur Division 12,180,549,220 6,403,619,148 12,180,549,220 9,309,338,283
Overdrafts 12,992,885,904 , , , 12,992,885,904 , , , Mymensingh Division , , , 8,146,203,689 , , , 4,432,556,160
Demand loans , , , , , , , , , , , , 376,965,877,882 295,164,195,140 375,557,534,258 294,241,237,688
Term loans , , , , , , , , , , , , Outside Bangladesh 72,261,724 266,256,133 72,261,724 266,256,133
Lease receivables , , 12,493,658 , , 12,493,658 412,084,750,584 322,135,188,439 410,676,406,960 321,212,230,987
Bills purchased and discounted (SME) , , , , , , , , 8.6
187,247,111,913 150,749,009,625 187,247,111,913 150,749,009,625 8.6.1 Loans and advances to directors, executives and others
8.2 Bills purchased and discounted Directors, subsidiaries and others , , , , , , , ,
Bills purchased and Staffs:
discounted (except SME) , , , , , , , , , , , , Managing Director and CEO - - - -
Bills purchased and discounted (SME) , , , , , , , , Senior executives , , , , 113,952,814 106,920,329
2,179,455,340 2,293,459,388 2,179,455,340 2,293,459,388 Other executives and staffs , , , 1,006,325,033 , , , 1,006,325,033
, , , 1,123,591,696 1,139,528,139 1,113,245,362
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Annual Report 2022 . Reports & Financial Statements BRAC Bank Limited
Amount in Taka Amount in Taka
Consolidated BRAC Bank Limited Consolidated BRAC Bank Limited
Particulars Note Particulars Note
2022 2021 2022 2021 2022 2021 2022 2021
Industries:
Agro-based , , , , , , , , , , , , Sub-standard , , , , , , , , , , , ,
Large and medium , , , , , , , , , , , , Doubtful , , , , , , , , , ,
Small and cottage 28,146,418,322 26,021,968,591 28,146,418,322 26,021,968,591 Bad/Loss , , , 10,560,186,061 , , , , , ,
Service industry , , , 14,618,681,406 , , , 14,618,681,406 16,493,938,006 , , , 15,268,631,102 12,522,560,419
, , , , , , , , , , , , 412,084,750,584 322,135,188,439 410,676,406,961 321,212,230,987
Agricultural , , , , , , , , , , , , 8.9.1
Consumers , , , 64,361,156,599 , , , 64,361,156,599
Corporate , , , , , , , , , , , ,
Trade and commercial 143,656,845,308 106,519,590,246 , , , , , ,
Retail 3,119,523,698 3,154,195,395 , , , 1,928,888,491
Others , , , , , , , , , , , ,
Small and medium enterprises , , , 4,405,314,201 , , , 4,405,314,201
412,084,750,584 322,135,188,439 410,676,406,960 321,212,230,987
16,493,938,006 13,747,867,323 15,268,631,102 12,522,560,419
8.6.2 Staff loan
8.9.2
Personal loan , , 58,119,303 , , , ,
Agriculture , , , , , , , ,
Car and motorcycle loan , , , , , , , ,
Communication - 486,924,192 - 486,924,192
House building loan , , 518,196,516 , , 518,196,516
Construction , , - , , -
1,152,911,527 1,123,591,696 1,139,528,139 1,113,245,362
Consumer credit 1,894,219,834 , , , 1,894,219,834 , , ,
8.7 Overall Sector wise concentration of loans and advance Other manufacturing
Agriculture , , , , , , , , , , , , industries , , , 2,619,111,630 , , , 2,619,111,630
Communication , , , , , , , , , , , , Power, Gas - - - -
Construction , , , , , , , , , , , , Readymade garments , , , , , , , , , , , ,
Consumer credit , , , , , , , , , , , , Residential real estate
Other manufacturing industries 84,860,249,089 , , , 84,860,249,089 , , , financing - - - -
Power, Gas , , , 1,160,503,826 , , , 1,160,503,826 Ship building - , , - , ,
Readymade garments , , , 22,844,920,562 , , , 22,844,920,562 Service industries , , , , , , , ,
Residential real estate financing , , , , , , , , , , Textile 805,904,806 1,093,866,163 805,904,806 1,093,866,163
Service industries 24,825,639,412 , , , 24,825,639,412 , , , Trade service , , , , , , , , , , , ,
Textile 6,489,929,560 , , , 6,489,929,560 , , , Others , , , , , , , ,
Trade service 146,335,501,432 , , , 146,335,501,432 , , , 16,493,938,006 13,747,867,323 15,268,631,102 12,522,560,419
Ship building , , , , , , , , 8.9.3
Others , , , , , , , , , 25,150,961,064 Opening balance , , , 9,233,853,039 12,522,560,419 8,008,546,135
412,084,750,584 322,135,188,439 410,676,406,960 321,212,230,987 Additions during the year , , , , , , , , , , , ,
8.8 Securities wise loans and advances including bills purchased and discounted Released during the year ( , , , ) (2,361,865,621) ( , , , ) (2,361,865,621)
Collateral of moveable/ 16,493,938,006 13,747,867,323 15,268,631,102 12,522,560,419
immoveable assets 126,686,442,834 , , , 126,686,442,834 , , , 8.9.4
ocal banks and financial
Overdraft 2,280,501,223 , , , 2,280,501,223 , , ,
institutions guarantee - - - -
Demand loan , , , 3,440,164,860 , , , 3,440,164,860
Government guarantee - - - -
Term loan 9,129,361,188 , , , 9,129,361,188 , , ,
Foreign banks guarantee - - - -
ease finance , , , , , , , ,
Export documents - - - -
Credit cards , , , , , , , ,
Fixed deposit receipts (FDR) , , , , , , , , , , , ,
Margin loan 1,225,306,904 1,225,306,904 - -
FDR of other banks - - - -
16,493,938,006 13,747,867,323 15,268,631,102 12,522,560,419
Government bonds - - - -
Personal guarantee and other securities , , , , , , , , , , , , 8.10 Details of large loan (Standalone basis)
Other securities 1,628,386,319 , , , 233,426,083 , , Large loan clients are those to whom loans and advances sanctioned are 10% or more of the total regulatory capital
412,084,750,584 322,135,188,439 410,676,406,960 321,212,230,987 of the Bank. Total capital of the Bank was Taka , , , as at December and taka , , ,
as at 31 December 2021. Client wise details of large loans have been presented in below:
8.9
Number of clients 22
Amount of outstanding loans and advances , , ,
Standard (including staff loan) 394,146,614,538 , , , , , , , , ,
Amount of classified loans and advances NIL
Special Mention Accounts
(SMA) 1,444,198,040 , , , 1,444,198,040 , , ,
, , , , , , , , , , , ,
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