Investor Presentaiton

% -3 -4 654321OTTY -2 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 Independent Review of RBD Bangladesh's Development Profitability of Banks During the Pandemic PCBs experienced a decline in profitability, as their return on asset (ROA) fell from 0.80% in 2019 to 0.70% in 2021, and their return on equity (ROE) fell from 11.2% in 2019 to 10.1% in 2021. DFIs dug themselves into a deeper hole after the pandemic, as their return on asset and return on equity plummeted in 2020. FCBs saw their profitability fall in 2021, as both their ROA and ROE fell sharply. However, SCBs actually managed to improve their profitability in 2021. Return on asset (in %) Return on equity (in %) -SCBs DFIS -PCBs FCBs All banks 2012 2013 2014 2015 2016 CPD (2022): State of the Bangladesh Economy in FY2021-22 (Third Reading) 2017 2018 2019 2020 2021 -200 1998 -150 1999 -100 2000 2001 2002 -50 -SCBs DFIS PCBs 50 2003 2004 2005 2006 2007 2008 2009 2010 2011 100 2012 2013 2014 2015 2016 2017 2018 2019 FCBs All banks 66 2020 2021

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