Investor Presentaiton
Expenditure-income ratio
1.20
1.10
1.00
0.90
0.80
0.70
0.60
0.50
0.40
0.30
0.20
0.10
0.00
Independent Review of
RBD
Bangladesh's Development
Management of Commercial Banks
During the years 1993 to 2019, the average expenditure-income ratio was
0.87 in SCBS and 0.77 in PCBs.
This reveals poor management effectiveness of both SCBs and PCBs, even
prior to the start of the pandemic.
Figure: Expenditure-Income ratio (in %)
1993
1994
1995
1996
1997
1998
1999
2000
2001
2002
-SCBS
PCBs FCBs
CPD (2022): State of the Bangladesh Economy in FY2021-22 (Third Reading)
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
65
ratio >1;
making loss
0.5 < ratio < 1;
poorly
managed, but
not making lossView entire presentation