Investor Presentaiton

Independent Review of RBD Bangladesh's Development Excess Reserves Data from Bangladesh Bank shows that in 2020, excess reserves of all banks increased from BDT 6.74 thousand crore, or 2.15% of total liquid assets, in January 2020, to BDT 20.39 thousand crore, or 4.82% of total liquid assets, in April 2022. ☐ Since excess reserves represent un-invested cash, holding excess reserves is costly for banks. However, excess reserves have been declining starting from June 2021 onwards. Figure: Excess reserve (un-invested cash) (BDT 70.00 in thousand crore) Figure: Excess reserve (un-invested cash) as a share of total liquid assets (in per cent) 45 40 BDT thousand crore 60.00 50.00 40.00 30.00 20.00 10.00 0.00 SCB Jan-20 Feb-20 Mar-20 May-20 Jun-20 Jul-20 Aug-20 Sep-20 Oct-20 Dec-20 Jan-21 Mar-21 Apr-21 Jun-21 Sep-21 Oct-21 Nov-21 Dec-21 Jan-22 Mar-22 Apr-22 PCB -IB FCB *All banks JAN-20 FEB-20 MAR-20 MAY-20 JUN-20 JUL-20 AUG-20 SEP-20 OCT-20 DEC-20 JAN-21 MAR-21 APR-21 JUN-21 SEP-21 OCT-21 NOV-21 DEC-21 JAN-22 MAR-22 APR-22 Per cent 20 25 30 35 OG 5 5 M C C+ 15 10 CPD (2022): State of the Bangladesh Economy in FY2021-22 (Third Reading) SCB PCB -IB FCB *All banks 71

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