id string | number int64 | chapter string | chapter_title string | question string | answer string | evidence string | query_type string | presentation_format string | difficulty string | source_page string |
|---|---|---|---|---|---|---|---|---|---|---|
chapter_5-q1 | 1 | Chapter 5 | Banking Sector Performance, Regulation and Bank Supervision | Which legal provisions empower Bangladesh Bank to regulate and supervise banks and to conduct on-site and off-site supervision? | The Bangladesh Bank Order 1972, Article 7A(f), makes regulating and supervising banking companies and financial institutions a major function of the Bank, and under the Bank Company (Amended up to 2023) Act, 1991 (Sections 44 and 68), Bangladesh Bank is empowered to conduct both on-site and off-site supervision. | Para 5.01: "As per the Bangladesh Bank Order 1972, Article 7A (f), one of the major functions of the Bank is “to regulate and supervise banking companies and financial institutions.” In addition, under the Bank Company (Amended up to 2023) Act, 1991 (Sections 44 and 68), Bangladesh Bank (BB) is empowered to conduct bot... | Evidence Retrieval | Text Only | Easy | 33 |
chapter_5-q2 | 2 | Chapter 5 | Banking Sector Performance, Regulation and Bank Supervision | What are the four categories of scheduled banks in Bangladesh based on ownership structure? | State-owned commercial banks (SCBs), specialised banks (SBs), private commercial banks (PCBs), and foreign commercial banks (FCBs). | Para 5.02: "Depending on their ownership structure, there are four categories of scheduled banks in Bangladesh: state-owned commercial banks (SCBs), specialised banks (SBs), private commercial banks (PCBs), and foreign commercial banks (FCBs)." | Fact Extraction | Text Only | Easy | 34 |
chapter_5-q3 | 3 | Chapter 5 | Banking Sector Performance, Regulation and Bank Supervision | How many scheduled banks and bank branches operated in 2023 and in 2024? | 61 banks with 11,154 branches in 2023, and 61 banks with 11,260 branches in 2024. | Table 5.01 (Banking System Structure, Assets and Deposits), Total row: 2023 No. of Banks = 61, No. of Branches = 11,154; 2024 No. of Banks = 61, No. of Branches = 11,260. | Fact Extraction | Table Only | Easy | 33 |
chapter_5-q4 | 4 | Chapter 5 | Banking Sector Performance, Regulation and Bank Supervision | What was the total asset size of the banking sector at end December 2024, and how did it compare with the previous year? | Total assets stood at BDT 26,297.8 billion at end December 2024, which was 9.65 percent higher than the previous year. | Para 5.03: "At end December 2024, total assets of the banking sector stood at BDT 26,297.8 billion, which was 9.65 percent higher than the previous year (Table 5.01)." Table 5.01, Total row, Total Assets: 2023 = 23,984.0, 2024 = 26,297.8. | Fact Extraction | Text + Table | Easy | 33 |
chapter_5-q5 | 5 | Chapter 5 | Banking Sector Performance, Regulation and Bank Supervision | Compare the total assets of SCBs and PCBs in 2024. | In 2024 SCBs held BDT 5,985.6 billion in total assets while PCBs held BDT 18,350.1 billion — PCBs' total assets were about BDT 12,364.5 billion higher. | Table 5.01, 2024 columns, Total Assets: SCBs = 5,985.6, SBs = 612.1, PCBs = 18,350.1, FCBs = 1,349.1, Total = 26,297.8. | Comparison | Table Only | Easy | 33 |
chapter_5-q6 | 6 | Chapter 5 | Banking Sector Performance, Regulation and Bank Supervision | What share of total banking-sector assets did PCBs and FCBs hold in December 2024? | PCBs held a 69.77 percent share and FCBs held a 5.13 percent share of total assets in December 2024. | Para 5.03: "PCBs' share of total assets was 69.77 percent in December 2024, compared to 68.65 percent in December 2023. The FCBs held a 5.13 percent share of total assets in December 2024, down from 5.66 percent in December 2023." Table 5.01, 2024, Share in Industry Assets (in Percent): PCBs = 69.77, FCBs = 5.13. | Fact Extraction | Text + Table | Medium | 34 |
chapter_5-q7 | 7 | Chapter 5 | Banking Sector Performance, Regulation and Bank Supervision | Compare the share of total banking-sector assets held by SCBs and PCBs in December 2024, and how each changed from December 2023. | SCBs' share fell to 22.77 percent in December 2024 from 23.37 percent in December 2023, while PCBs' share rose to 69.77 percent from 68.65 percent over the same period. | Para 5.03: "In December 2024, the SCBs held a 22.77 percent share of total assets, which was 23.37 percent in December 2023. PCBs' share of total assets was 69.77 percent in December 2024, compared to 68.65 percent in December 2023." Table 5.01, Share in Industry Assets (in Percent): SCBs 2023 = 23.37, 2024 = 22.77; PC... | Comparison | Text + Table | Easy | 34 |
chapter_5-q8 | 8 | Chapter 5 | Banking Sector Performance, Regulation and Bank Supervision | What were the banking sector's total deposits in December 2024, and how did that compare with December 2023? | Total deposits stood at BDT 18,975.8 billion in December 2024, compared to BDT 17,641.1 billion in December 2023, an increase of 7.57 percent. | Para 5.04: "Total deposits of the banking sector stood at BDT 18,975.8 billion in December 2024, compared to BDT 17,641.1 billion in December 2023, showing an increase of 7.57 percent." Table 5.01, Total row, Total Deposits: 2023 = 17,641.1, 2024 = 18,975.8. | Fact Extraction | Text + Table | Easy | 34 |
chapter_5-q9 | 9 | Chapter 5 | Banking Sector Performance, Regulation and Bank Supervision | How did SCBs' and PCBs' shares of total banking-sector deposits change between December 2023 and December 2024? | SCBs' deposit share decreased from 24.68 percent to 23.71 percent, while PCBs' deposit share increased from 67.63 percent to 68.98 percent. | Para 5.04: "SCBs' share decreased from 24.68 percent to 23.71 percent; PCBs' share increased from 67.63 percent to 68.98 percent; FCBs' share decreased from 4.91 percent to 4.49 percent; and SBs' share increased slightly from 2.78 percent to 2.82 percent between December 2023 and December 2024. (Table 5.01)." Table 5.0... | Comparison | Text + Table | Medium | 34 |
chapter_5-q10 | 10 | Chapter 5 | Banking Sector Performance, Regulation and Bank Supervision | What components make up aggregate industry assets, and where does that breakdown come from? | Aggregate industry assets are split into Loans & Advances, Government bills & bond, Deposit with BB, Cash in tills, and Other Assets; the source is the Department of Off-site Supervision, Bangladesh Bank. | Chart 5.01 (Aggregate Industry Assets, in billion BDT): segments labelled "Loans & Advances", "Govt. bills & bond", "Deposit with BB", "Cash in tills", and "Other Assets" for June 2024 and March 2025; "Source: Department of Off-site Supervision, Bangladesh Bank." | Evidence Retrieval | Chart Only | Easy | 34 |
chapter_5-q11 | 11 | Chapter 5 | Banking Sector Performance, Regulation and Bank Supervision | Compare the composition of aggregate industry assets between June 2024 and March 2025 in terms of the loans and advances share and the government bills and bonds share. | The loans and advances share was essentially unchanged — 63.6 percent (BDT 17,112.67 billion) in June 2024 versus 63.5 percent (BDT 17,114.88 billion, or 63.51 percent per paragraph 5.06) in March 2025 — and the government bills and bonds share held at 17.7 percent (BDT 4,749.23 billion in June 2024 and BDT 4,763.46 bi... | Para 5.06: "The aggregate banking sector assets consisted of BDT 17,114.88 billion in loans and advances (63.51 percent of total assets) ... BDT 4,763.46 billion as investments in government bills and bonds (treasury securities) ... (Chart 5.01)." Chart 5.01: June 2024 — Loans & Advances 17112.67 (63.6%), Govt. bills &... | Comparison | Text + Chart | Medium | 33-34 |
chapter_5-q12 | 12 | Chapter 5 | Banking Sector Performance, Regulation and Bank Supervision | What was the total shareholders' equity of the banks at the end of March 2025, and how did it compare with June 2024? | Total shareholders' equity stood at BDT 1,227.24 billion at the end of March 2025, up from BDT 1,222 billion in June 2024. | Para 5.07: "Total shareholders' equity of the banks stood at BDT 1,227.24 billion at the end of March 2025, up from BDT 1,222 billion in June 2024." Chart 5.02 (Aggregate Industry Liabilities, in billion BDT): Share holder's equity = 1222.00 (4.5%) in June 2024 and 1227.24 (4.6%) in March 2025. | Fact Extraction | Text + Chart | Medium | 34 |
chapter_5-q13 | 13 | Chapter 5 | Banking Sector Performance, Regulation and Bank Supervision | How have the banking industry's capital and risk-weighted assets (RWA) trended, and how has the Capital/RWA ratio moved, from 2012 through March 2025? | The bars show Capital and Risk Weighted Assets (RWA) in billion BDT on the left axis, and the line shows Capital/RWA in percent on the right-hand-side axis, covering 2012, 2018, 2019, 2020, 2021, 2022, 2023, 2024 and March 2025. | Chart 5.03 (Aggregate Capital Adequacy Position): left axis "In billion BDT" with bars for "Capital" and "RWA"; right axis "in percent" with line "Capital/RWA (RHS)"; x-axis 2012, 2018, 2019, 2020, 2021, 2022, 2023, 2024, 2025 (March). | Comparison | Chart Only | Medium | 35 |
chapter_5-q14 | 14 | Chapter 5 | Banking Sector Performance, Regulation and Bank Supervision | Under Basel-III, what minimum capital requirement (MCR) must banks in Bangladesh maintain? | A minimum capital requirement of 10.0 percent of risk weighted assets (RWA) or BDT 5.0 billion as capital, whichever is higher. | Para 5.08: "Under Basel-III, banks in Bangladesh are instructed to maintain a minimum capital requirement (MCR) at 10.0 percent of the risk weighted assets (RWA) or BDT 5.0 billion as capital, whichever is higher." | Fact Extraction | Text Only | Easy | 35 |
chapter_5-q15 | 15 | Chapter 5 | Banking Sector Performance, Regulation and Bank Supervision | What was the Capital to Risk Weighted Assets Ratio (CRAR) of the banking industry as a whole at the end of March 2025? | 6.74 percent. | Table 5.02 (Capital to Risk Weighted Assets Ratio by Types of Banks, in percent), Total row, End of March 2025 column = 6.74. | Fact Extraction | Table Only | Easy | 35 |
chapter_5-q16 | 16 | Chapter 5 | Banking Sector Performance, Regulation and Bank Supervision | Compare the banking industry's actual capital adequacy at end March 2025 with the Basel-III minimum capital requirement. | The Basel-III minimum capital requirement is 10.0 percent of RWA, but the CRAR of the banking industry as a whole was only 6.74 percent at end March 2025 — about 3.26 percentage points below the required minimum. | Para 5.08: "banks in Bangladesh are instructed to maintain a minimum capital requirement (MCR) at 10.0 percent of the risk weighted assets (RWA) or BDT 5.0 billion as capital, whichever is higher." Para 5.09: "The CRAR of the banking industry as a whole was 6.74 percent at end March, 2025 (Chart 5.03)." Chart 5.03 show... | Comparison | Text + Chart | Medium | 35-36 |
chapter_5-q17 | 17 | Chapter 5 | Banking Sector Performance, Regulation and Bank Supervision | By how many percentage points did the banking industry's overall CRAR fall from 2023 to the end of March 2025? | It fell by 4.70 percentage points, from 11.44 percent in 2023 to 6.74 percent at end March 2025. | Table 5.02 (Capital to Risk Weighted Assets Ratio by Types of Banks, in percent), Total row: 2023 = 11.44, End of March 2025 = 6.74. Calculation: 11.44 - 6.74 = 4.70. | Numerical Calculation | Table Only | Medium | 35 |
chapter_5-q18 | 18 | Chapter 5 | Banking Sector Performance, Regulation and Bank Supervision | What was the banking industry's Common Equity Tier 1 (CET1) ratio at end March 2025, and how many scheduled banks fell short of the CET1 and minimum capital requirements? | CET1 was 3.99 percent at end March 2025, which was below Basel III requirements; 19 out of 61 scheduled banks fell short of the CET1 requirement and 20 banks failed to meet the minimum capital requirement. | Para 5.29: "the capital to risk weighted asset ratio (CRAR) of the banking industry stood at 6.74 percent at end March, 2025 while CET1 was 3.99 percent, which was below Basel III capital adequacy requirements. At the individual bank level, 19 out of 61 scheduled banks fell short of the CET1 requirement, while 20 banks... | Fact Extraction | Text Only | Medium | 40 |
chapter_5-q19 | 19 | Chapter 5 | Banking Sector Performance, Regulation and Bank Supervision | Explain the ways in which the banking industry fell short of Basel III standards at end March 2025. | At end March 2025 the industry breached every key Basel III capital metric: CRAR was 6.74 percent against the 10.0 percent minimum, CET1 was 3.99 percent against the 4.50 percent minimum, the capital conservation buffer (CCB) stood at 0.00 percent against the 2.50 percent requirement, and the leverage ratio was 2.99 pe... | Table 5.02, Total row, End of March 2025 = 6.74. Para 5.28: minimum total capital ratio 10.0 percent, CET1 "at least 4.50 percent of total risk-weighted assets (RWA)". Para 5.29: "CRAR of the banking industry stood at 6.74 percent at end March, 2025 while CET1 was 3.99 percent ... 19 out of 61 scheduled banks fell shor... | Multi-hop Reasoning | Text + Table | Hard | 35-41 |
chapter_5-q20 | 20 | Chapter 5 | Banking Sector Performance, Regulation and Bank Supervision | What was the gross NPL ratio of the banking sector at end March 2025? | 24.13 percent. | Para 5.10: "At end March 2025, the gross NPL ratio of the banking sector stood at 24.13 percent." Table 5.03(a) (Ratio of Gross NPLs to Total Loans by Types of Banks), Total row, End of March 2025 column = 24.13. | Fact Extraction | Text + Table | Easy | 36 |
chapter_5-q21 | 21 | Chapter 5 | Banking Sector Performance, Regulation and Bank Supervision | Which bank category had the highest and which had the lowest gross NPL ratio at end March 2025, and what were those ratios? | SCBs had the highest gross NPL ratio at 45.79 percent and FCBs had the lowest at 4.83 percent. | Table 5.03(a), End of March 2025 column: SCBs = 45.79, SBs = 14.47, PCBs = 20.16, FCBs = 4.83. | Fact Extraction | Table Only | Easy | 36 |
chapter_5-q22 | 22 | Chapter 5 | Banking Sector Performance, Regulation and Bank Supervision | How did the gross NPL ratios of SCBs and PCBs move from 2024 to end March 2025? | SCBs' gross NPL ratio rose from 42.83 percent in 2024 to 45.79 percent at end March 2025, and PCBs' rose from 15.60 percent to 20.16 percent over the same period. | Table 5.03(a): SCBs 2024 = 42.83, End of March 2025 = 45.79; PCBs 2024 = 15.60, End of March 2025 = 20.16. | Comparison | Table Only | Medium | 36 |
chapter_5-q23 | 23 | Chapter 5 | Banking Sector Performance, Regulation and Bank Supervision | Compare the CRAR of SCBs, PCBs and FCBs as of 31 March 2025. | As of 31 March 2025 the CRAR of SCBs was 2.90 percent, PCBs 7.45 percent, and FCBs 41.32 percent. | Para 5.09: "CRAR of SCBs, PCBs and FCBs were 2.90, 7.45 and 41.32 percent respectively, as of 31 March 2025." Table 5.02, End of March 2025 column: SCBs = 2.90, PCBs = 7.45, FCBs = 41.32. | Comparison | Text + Table | Easy | 36 |
chapter_5-q24 | 24 | Chapter 5 | Banking Sector Performance, Regulation and Bank Supervision | Describe the trend in the banking sector's overall gross NPL ratio from 2015 to end March 2025. | The overall ratio was 8.8 percent in 2015, drifted up to 9.2 percent (2016), 9.3 percent (2017) and 10.3 percent (2018), eased to 9.32 percent (2019) and 7.66 percent (2020), then rose again to 7.93 percent (2021), 8.16 percent (2022) and 9.00 percent (2023), before surging to 20.20 percent in 2024 and 24.13 percent at... | Table 5.03(a), Total row: 2015 = 8.8, 2016 = 9.2, 2017 = 9.3, 2018 = 10.3, 2019 = 9.32, 2020 = 7.66, 2021 = 7.93, 2022 = 8.16, 2023 = 9.00, 2024 = 20.20, End of March 2025 = 24.13. | Trend Analysis | Table Only | Medium | 36 |
chapter_5-q25 | 25 | Chapter 5 | Banking Sector Performance, Regulation and Bank Supervision | How have total loans, NPLs, and the NPL ratio trended from 2018 through March 2025? | Chart 5.04 (Aggregate Position of NPLs to Total Loans) plots Total Loans and NPLs as bars in billion BDT and the NPL Ratio as a line on the right-hand-side axis in percentage, for 2018, 2020, 2021, 2022, 2023, 2024 and March 2025 (data up to March 2025). | Chart 5.04 (Aggregate Position of NPLs to Total Loans): bars "Total Loans" and "NPLs" (left axis "In billion BDT"), line "NPL Ratio (RHS)" (right axis "In percentage"); x-axis 2018, 2020, 2021, 2022, 2023, 2024, 2025 (March); note "* Up to March 2025"; "Source: Department of Off site Supervision, Bangladesh Bank." | Trend Analysis | Chart Only | Easy | 36 |
chapter_5-q26 | 26 | Chapter 5 | Banking Sector Performance, Regulation and Bank Supervision | By how many percentage points did the banking sector's overall gross NPL ratio increase from 2023 to 2024? | It increased by 11.20 percentage points, from 9.00 percent in December 2023 to 20.20 percent in 2024. | Table 5.03(a), Total row: 2023 = 9.00, 2024 = 20.20 (also shown as the NPL Ratio line in Chart 5.04). Para 5.11: "the NPL ratio climbed to 9.00 percent in December 2023. The situation deteriorated sharply in 2024, when the ratio surged to 20.20 percent". Calculation: 20.20 - 9.00 = 11.20. | Numerical Calculation | Table + Chart | Medium | 36-38 |
chapter_5-q27 | 27 | Chapter 5 | Banking Sector Performance, Regulation and Bank Supervision | By how many percentage points did the banking sector's gross NPL ratio rise between December 2023 and end March 2025? | It rose by 15.13 percentage points, from 9.00 percent in December 2023 to 24.13 percent at end March 2025. | Para 5.11: "the NPL ratio climbed to 9.00 percent in December 2023 ... By March 2025 ... the NPL ratio increased further to 24.13 percent". Table 5.03(a), Total row: 2023 = 9.00, End of March 2025 = 24.13. Calculation: 24.13 - 9.00 = 15.13. | Numerical Calculation | Text + Table | Medium | 36-37 |
chapter_5-q28 | 28 | Chapter 5 | Banking Sector Performance, Regulation and Bank Supervision | Why did the banking sector's NPL ratio fall in 2019 and 2020 but rise sharply in 2024? | The ratio fell to 9.3 percent in 2019 because of the amendment to the term loan's definition of 'past due/overdue' and the special loan rescheduling and one-time exit facility, and fell further to 7.66 percent in 2020 after a debt moratorium on all loans during the COVID-19 pandemic. It surged to 20.20 percent in 2024 ... | Para 5.11: "the NPL ratio reduced to 9.3 percent in 2019 due to the amendment to the term loan's definition of 'past due/overdue' and the special loan rescheduling and one-time exit facility offered. Later, NPLs in the banking sector stood at a noticeably lower 7.66 percent in 2020, after a debt moratorium provided for... | Trend Analysis | Text + Table | Medium | 37 |
chapter_5-q29 | 29 | Chapter 5 | Banking Sector Performance, Regulation and Bank Supervision | Why was the deterioration in asset quality by March 2025 concentrated in SCBs and PCBs? | By March 2025 the sector's gross NPL ratio reached 24.13 percent with the burden concentrated in SCBs and PCBs, whose ratios climbed to 45.79 percent and 20.16 percent. The chapter attributes this to poor loan assessment and inadequate follow-up and supervision of loans, which produced low asset quality specifically at... | Para 5.11: "the NPL ratio increased further to 24.13 percent, with the burden concentrated in SCBs and PCBs." Para 5.12: "Poor assessment, along with inadequate follow-up and supervision of loans, eventually resulted in the current situation of low asset quality of SCBs and PCBs." Table 5.03(a), End of March 2025: SCBs... | Multi-hop Reasoning | Text + Table | Hard | 37 |
chapter_5-q30 | 30 | Chapter 5 | Banking Sector Performance, Regulation and Bank Supervision | What was the net NPL ratio of the overall banking sector at end December 2024 and at end March 2025? | The net NPL ratio was 10.57 percent at end December 2024 and 15.00 percent at end March 2025. | Para 5.13: "the ratio of net NPLs (net of provisions and interest suspense) to net total loans (net of provisions and interest suspense) of the banking sector was 10.57 percent at end December 2024. ... At end March, 2025 the net NPL ratio of the overall banking sector stood at 15.00 percent." Table 5.03(b) (Ratio of N... | Fact Extraction | Text + Table | Medium | 37 |
chapter_5-q31 | 31 | Chapter 5 | Banking Sector Performance, Regulation and Bank Supervision | Compare the banking sector's net NPL ratio at end December 2024 with its level at end March 2025. | The net NPL ratio rose from 10.57 percent at end December 2024 to 15.00 percent at end March 2025, an increase of 4.43 percentage points. | Para 5.13: "the ratio of net NPLs ... of the banking sector was 10.57 percent at end December 2024. ... At end March, 2025 the net NPL ratio of the overall banking sector stood at 15.00 percent." Table 5.03(b), Total row: 2024 = 10.5, End June 2025 = 15.00. | Comparison | Text + Table | Medium | 37 |
chapter_5-q32 | 32 | Chapter 5 | Banking Sector Performance, Regulation and Bank Supervision | How have total expenses and total income in the banking industry trended from 2017 through March 2025? | Chart 5.05 (Trends in Aggregate Position of Income and Expenditure in the Banking Industry) shows Total Expenses and Total Income as bars in billion BDT, together with a line indicator in percent, for 2017 through 2024 and March 2025 (data up to March). | Chart 5.05 (Trends in Aggregate Position of Income and Expenditure in the Banking Industry): bars "Total Expenses" and "Total Income" (left axis "In billion BDT"), right axis "In percent"; x-axis 2017, 2018, 2019, 2020, 2021, 2022, 2023, 2024, 2025 (March); note "*Up to March"; "Source: Department of Off site Supervisi... | Trend Analysis | Chart Only | Medium | 37 |
chapter_5-q33 | 33 | Chapter 5 | Banking Sector Performance, Regulation and Bank Supervision | By how much did the amount of NPLs of SCBs increase between 2015 and end March 2025? | SCBs' NPLs increased by BDT 1,191.27 billion, from BDT 272.8 billion in 2015 to BDT 1,464.07 billion at end March 2025. | Table 5.04 (Amount of NPLs by Types of Banks, in billion BDT), SCBs row: 2015 = 272.8, End March 2025 = 1464.07. Calculation: 1464.07 - 272.8 = 1191.27. | Numerical Calculation | Table Only | Medium | 38 |
chapter_5-q34 | 34 | Chapter 5 | Banking Sector Performance, Regulation and Bank Supervision | Which two bank categories drove the increase in total banking-sector NPLs from 2023 to end March 2025, and by how much did each rise? | SCBs and PCBs drove almost the entire increase. Total sector NPLs rose from BDT 1,456.33 billion in 2023 to BDT 4,203.35 billion at end March 2025 (up BDT 2,747.02 billion); of this, SCBs' NPLs rose by BDT 806.26 billion (657.81 to 1,464.07) and PCBs' by BDT 1,932.13 billion (709.82 to 2,641.95), together accounting fo... | Table 5.04: SCBs 2023 = 657.81, End March 2025 = 1464.07; PCBs 2023 = 709.82, End March 2025 = 2641.95; Total 2023 = 1456.33, End March 2025 = 4203.35. Chart 5.07 (Comparative position of NPLs by Type of Banks) shows the SCBs and PCBs lines rising steeply after 2023 while the FCBs line stays flat. Calculations: 1464.07... | Multi-hop Reasoning | Table + Chart | Hard | 38-41 |
chapter_5-q35 | 35 | Chapter 5 | Banking Sector Performance, Regulation and Bank Supervision | How do the NPL trajectories of SCBs and PCBs compare with those of DFIs and FCBs from 2018 to March 2025? | The SCBs and PCBs lines rise sharply, especially after 2023, with PCBs climbing above BDT 2,500 billion and SCBs above BDT 1,400 billion by March 2025, whereas the DFIs and FCBs lines stay low and almost flat near the bottom of the chart throughout the period. | Chart 5.07 (Comparative position of NPLs by Type of Banks, in billion BDT): legend "SCBs", "PCBs", "DFIs", "FCBs"; x-axis 2018 to 2025 (March); the PCBs and SCBs series turn steeply upward after 2023 while DFIs and FCBs remain near the axis. "Source: Department of Off-site Supervision, Bangladesh Bank." | Comparison | Chart Only | Hard | 41 |
chapter_5-q36 | 36 | Chapter 5 | Banking Sector Performance, Regulation and Bank Supervision | What share of total banking-sector NPLs did PCBs account for at end March 2025? | About 62.85 percent — PCBs' NPLs of BDT 2,641.95 billion out of the sector total of BDT 4,203.35 billion. | Table 5.04, End March 2025 column: PCBs = 2641.95, Total = 4203.35. Chart 5.07 shows PCBs as the largest NPL holder by March 2025. Calculation: 2641.95 / 4203.35 = 0.6285 = 62.85 percent. | Numerical Calculation | Table + Chart | Hard | 38-41 |
chapter_5-q37 | 37 | Chapter 5 | Banking Sector Performance, Regulation and Bank Supervision | What was the shortfall between required provision and provision maintained by all banks at end June 2025? | A shortfall of BDT 1,706.55 billion — required provision was BDT 2,751.03 billion while provision maintained was BDT 1,044.48 billion. | Table 5.05 (Required Provision and Provision Maintained by all Banks, in billion BDT), End June 2025 column: Required Provision = 2751.03, Provision maintained = 1044.48, Excess(+)/shortfall(-) = -1706.55. Calculation: 2751.03 - 1044.48 = 1706.55. | Numerical Calculation | Text + Table | Hard | 38 |
chapter_5-q38 | 38 | Chapter 5 | Banking Sector Performance, Regulation and Bank Supervision | By how many percentage points did the provision maintenance ratio of all banks fall from 2022 to end June 2025? | It fell by 48.95 percentage points, from 86.92 percent in 2022 to 37.97 percent at end June 2025. | Table 5.05, Provision maintenance ratio (%) row: 2022 = 86.92, End June 2025 = 37.97. Calculation: 86.92 - 37.97 = 48.95. | Numerical Calculation | Table Only | Medium | 38 |
chapter_5-q39 | 39 | Chapter 5 | Banking Sector Performance, Regulation and Bank Supervision | What was the provision maintenance ratio of all banks in 2021, 2022 and at end December 2024? | Banks maintained 82.63 percent of required provisions in 2021, 86.92 percent in 2022, and 50.75 percent at end December 2024. | Para 5.15: "Banks maintained 82.63 percent of required provisions in 2021, which increased slightly to 86.92 percent in 2022. However, the ratio decreased slightly to 50.75 percent at end December, 2024." Table 5.05, Provision maintenance ratio (%) row: 2021 = 82.63, 2022 = 86.92, 2024 = 50.75; Chart 5.08 plots the Pro... | Fact Extraction | Table + Chart | Medium | 38-41 |
chapter_5-q40 | 40 | Chapter 5 | Banking Sector Performance, Regulation and Bank Supervision | Describe the trend in the provision maintenance ratio and the provision shortfall of all banks between 2020 and end June 2025. | The provision maintenance ratio fell steadily from 99.81 percent in 2020 to 82.63 percent (2021), 86.92 percent (2022), 80.53 percent (2023), 50.75 percent (2024) and 37.97 percent at end June 2025, while the provision shortfall widened dramatically from BDT 1.24 billion in 2020 to BDT 140.07 billion (2021), BDT 110.09... | Table 5.05: Provision maintenance ratio (%) 2020 = 99.81, 2021 = 82.63, 2022 = 86.92, 2023 = 80.53, 2024 = 50.75, End June 2025 = 37.97; Excess(+)/shortfall(-) 2020 = -1.24, 2021 = -140.07, 2022 = -110.09, 2023 = -192.61, 2024 = -1061.31, End June 2025 = -1706.55. Chart 5.08 (Provision Adequacy Position of all Banks): ... | Trend Analysis | Table + Chart | Hard | 38-41 |
chapter_5-q41 | 41 | Chapter 5 | Banking Sector Performance, Regulation and Bank Supervision | Compare the provision maintenance ratio of SCBs and PCBs with that of SBs and FCBs at end March 2025. | At end March 2025 SCBs and PCBs were heavily under-provisioned, with provision maintenance ratios of 31.47 percent and 39.20 percent respectively, whereas SBs and FCBs were over-provisioned at 108.73 percent and 118.65 percent. Chart 5.08 shows the overall (all-banks) provision maintenance ratio dropping to its lowest ... | Table 5.06 (Comparative Position of Provision Adequacy, in billion BDT), End March 2025 rows — Provision maintenance ratio (%): SCBs = 31.47, SBs = 108.73, PCBs = 39.20, FCBs = 118.65 (Required provision: SCBs 933.83, SBs 28.42, PCBs 1765.56, FCBs 23.22; Provision maintained: SCBs 293.86, SBs 30.90, PCBs 692.16, FCBs 2... | Comparison | Table + Chart | Hard | 38-41 |
chapter_5-q42 | 42 | Chapter 5 | Banking Sector Performance, Regulation and Bank Supervision | Why did the banking sector's aggregate provision shortfall widen even though some bank types over-provisioned? | The aggregate provision maintenance ratio fell from about 82–87 percent in 2021–2022 to 50.75 percent at end December 2024 and lower still afterwards because SCBs and PCBs — which hold the bulk of NPLs — could not maintain the required provision at end March 2025, while SBs and FCBs (which over-provisioned in 2022–2024... | Para 5.15: "banks failed to maintain the required level of provision against their NPLs from 2015 to June 2025. Banks maintained 82.63 percent of required provisions in 2021, which increased slightly to 86.92 percent in 2022. However, the ratio decreased slightly to 50.75 percent at end December, 2024." Para 5.16: "SBs... | Multi-hop Reasoning | Text + Chart | Medium | 37-41 |
chapter_5-q43 | 43 | Chapter 5 | Banking Sector Performance, Regulation and Bank Supervision | How does the movement in the banking industry's expenditure-to-income (EI) ratio relate to its income and expenditure trend, and what effect has that had on profits? | Chart 5.05 shows total expenses of the industry rising broadly in line with, and by March 2025 catching up to, total income, and paragraph 5.18 reports that the EI ratio rose for every bank category compared with the previous year (reaching 89.74 percent for the banking sector at end March 2025). Because expenditure gr... | Para 5.18: "the expenditure-to-total income (EI) ratio of the banking sector was 89.74 percent at end March 2025 ... EI ratios of all bank categories showed increasing trends compared to the previous year. The upward trends in the EI ratio, particularly, in operating expenses to total expenses, has had negative impact ... | Multi-hop Reasoning | Text + Chart | Medium | 37-39 |
chapter_5-q44 | 44 | Chapter 5 | Banking Sector Performance, Regulation and Bank Supervision | Describe the trend in the banking sector's expenditure-to-income (EI) ratio. | The EI ratio of every bank category showed an increasing trend compared with the previous year, and the banking sector's EI ratio reached 89.74 percent at end March 2025. The rising trend, especially in operating expenses to total expenses, has had a negative impact on banks' net profits. | Para 5.18: "EI ratios of all bank categories showed increasing trends compared to the previous year. The upward trends in the EI ratio, particularly, in operating expenses to total expenses, has had negative impact on the net profits of banks." Chart 5.05 (Trends in Aggregate Position of Income and Expenditure in the B... | Trend Analysis | Text + Chart | Medium | 37-39 |
chapter_5-q45 | 45 | Chapter 5 | Banking Sector Performance, Regulation and Bank Supervision | Which bank category had the highest expenditure-to-income (EI) ratio in 2024, and what was its value? | Specialised banks (SBs) had the highest EI ratio in 2024, at 131.12 percent. | Table 5.07 (Expenditure-Income (EI) Ratio by Types of Banks, in percent), 2024 column: SCBs = 85.30, SBs = 131.12, PCBs = 80.60, FCBs = 32.2, Total = 78.98. | Fact Extraction | Table Only | Medium | 39 |
chapter_5-q46 | 46 | Chapter 5 | Banking Sector Performance, Regulation and Bank Supervision | Compare the expenditure-to-income (EI) ratios of SCBs, PCBs and FCBs in March 2025. | In March 2025 the EI ratio was 89.74 percent for SCBs, 88.76 percent for PCBs, and 33.12 percent for FCBs — FCBs were far more cost-efficient than SCBs and PCBs. | Para 5.18: "The EI ratios of SCBs, PCBs, and FCBs were 89.74, 88.76, and 33.12 percent, respectively, in March 2025." Table 5.07, End March 2025 column: SCBs = 89.74, PCBs = 88.76, FCBs = 33.12. | Comparison | Text + Table | Medium | 39 |
chapter_5-q47 | 47 | Chapter 5 | Banking Sector Performance, Regulation and Bank Supervision | Compare the return on assets (ROA) of SCBs and PCBs at end March 2025 with their 2024 levels. | SCBs' ROA declined to negative 0.51 percent in March 2025 from negative 0.37 percent in 2024, while PCBs' ROA fell to negative 0.30 percent in March 2025 from a positive 0.51 percent in 2024 — turning negative for the first time. | Para 5.20: "The ROA of SCBs declined to negative 0.51 percent in March 2025, compared to negative 0.37 percent in 2024. On the other hand, the ROA of PCBs has been declining gradually since 2022." Table 5.08 (Profitability Ratio by Types of Banks, in percent), ROA: SCBs 2024 = -0.37, End March 2025 = -0.51; PCBs 2024 =... | Comparison | Text + Table | Medium | 38-40 |
chapter_5-q48 | 48 | Chapter 5 | Banking Sector Performance, Regulation and Bank Supervision | Compare the return on equity (ROE) of PCBs and FCBs at end March 2025 with their 2024 levels. | PCBs' ROE fell to negative 6.11 percent in March 2025 from a positive 9.43 percent in 2024, whereas FCBs' ROE only edged down to 18.02 percent in March 2025 from 19.09 percent in 2024, remaining strongly positive. | Para 5.21: "the ROE of PCBs declined to a negative 6.11 percent in March 2025, down from 9.43 percent in 2024. The ROE of FCBs decreased to 18.02 percent in March 2025, down from 19.09 percent in 2024." Table 5.08, ROE: PCBs 2024 = 9.43, End March 2025 = -6.11; FCBs 2024 = 19.09, End March 2025 = 18.02. | Comparison | Text + Table | Medium | 39-40 |
chapter_5-q49 | 49 | Chapter 5 | Banking Sector Performance, Regulation and Bank Supervision | What was the Net Interest Margin (NIM) of the banking industry in March 2025, and what was it in 2024? | The NIM of the banking industry was 2.30 percent in March 2025, down from 2.90 percent in 2024. | Para 5.22: "the Net Interest Margin (NIM) of the banking industry stood at 2.30 percent in March 2025, which was 2.90 percent in 2024." Table 5.09 (Net Interest Margin (NIM) by Types of Banks, in percent), Total row: 2024 = 2.90, March 2025 = 2.30. | Fact Extraction | Text + Table | Medium | 39-40 |
chapter_5-q50 | 50 | Chapter 5 | Banking Sector Performance, Regulation and Bank Supervision | What was the trend in NIM for the overall banking sector? | NIM for the overall banking sector exhibited a downward trend from 2014 to 2022, despite slight increases in 2018, 2023 and 2024. | Para 5.22: "NIM for the overall banking sector exhibited a downward trend from 2014 to 2022 despite slight increases in 2018, 2023 and 2024." | Trend Analysis | Text Only | Easy | 39 |
chapter_5-q51 | 51 | Chapter 5 | Banking Sector Performance, Regulation and Bank Supervision | How have interest income, interest expense, and the net interest spread of the industry trended from 2014 through March 2025? | Chart 5.09 (Aggregate NII of the industry, billion BDT) plots Interest income and Interest Expense as bars and Net interest spread as a line on the right-hand-side axis, for 2014, 2017, 2018, 2019, 2020, 2021, 2022, 2023, 2024 and March 2025. | Chart 5.09 (Aggregate NII of the industry, billion BDT): bars "Interest income" and "Interest Expense" (left axis "Interest income & expense"), line "Net interest spread (RHS)" (right axis "Net interest income"); x-axis 2014, 2017, 2018, 2019, 2020, 2021, 2022, 2023, 2024, 2025 (March). "Source: Department of Off-site ... | Fact Extraction | Chart Only | Easy | 41 |
chapter_5-q52 | 52 | Chapter 5 | Banking Sector Performance, Regulation and Bank Supervision | What were the liquidity coverage ratio (LCR) and net stable funding ratio (NSFR) of the banking sector as of June 2025, and what are the minimum requirements? | As of 30 June 2025 the LCR of the banking sector was 171.49 percent and the NSFR was 104.95 percent, both against a minimum requirement of 100 percent. | Para 5.27: "As of 30 June 2025, the liquidity coverage ratio (LCR) of the banking sector was 171.49 percent (against a minimum requirement of 100 percent) ... the net stable funding ratio (NSFR) of the banking sector was 104.95 percent (against the minimum requirement of 100 percent) in June 2025". | Fact Extraction | Text Only | Easy | 40 |
chapter_5-q53 | 53 | Chapter 5 | Banking Sector Performance, Regulation and Bank Supervision | Compare the prudential limit of the advance-deposit ratio (ADR) for conventional banks with the investment-deposit ratio (IDR) limit for Islamic Shariah-based banks. | The prudential limit of ADR for conventional banks is 87 percent, while the IDR limit for Islamic Shariah-based banks is 92 percent. The banking sector's overall ADR/IDR stood at 81.55 percent in December 2024. | Para 5.24: "In December 2024, the banking sector's overall advance/investment deposit ratio (ADR/IDR) stood at 81.55 percent. The prudential limits of ADR for conventional and IDR for Islamic Shariah-based banks were 87 percent and 92 percent respectively." | Comparison | Text Only | Easy | 39 |
chapter_5-q54 | 54 | Chapter 5 | Banking Sector Performance, Regulation and Bank Supervision | Compare the current statutory liquidity ratio (SLR) requirement for conventional banks with that for Islamic Shariah-based banks. | The current SLR for conventional banks is 13.00 percent of ATDTL, while for Islamic Shariah-based banks it is 5.50 percent of their ATDTL of the second preceding month. | Para 5.25: "The current rate of statutory liquidity ratio (SLR) for conventional banks is 13.00 percent of ATDTL, but in the case of Islamic Shariah-based banks, the rate of SLR is 5.50 percent of their ATDTL of the second preceding month." | Comparison | Text Only | Easy | 39 |
chapter_5-q55 | 55 | Chapter 5 | Banking Sector Performance, Regulation and Bank Supervision | Which banking inspection department conducted the most inspections in FY25, and how many of its inspections were comprehensive (head offices plus branches)? | DBI-2 conducted the most inspections, with 582 total inspections in FY25, of which 569 were comprehensive inspections (7 at head offices and 562 at branches). | Table 5.10 (A Summary of On-site Banking Inspections in FY25), DBI-2 row: Comprehensive Inspections Head Offices = 7, Branches = 562, Special Inspections = 2, Core Risk Inspections = 8, SREUP and AML Inspections = -, Quick Summary Inspections = 03, Total Inspections = 582. Calculation: 7 + 562 = 569. (Other departments... | Fact Extraction | Table Only | Hard | 42 |
chapter_5-q56 | 56 | Chapter 5 | Banking Sector Performance, Regulation and Bank Supervision | What is the three-stage timeline for the full adoption of the Expected Credit Loss (ECL) framework under IFRS 9 by 2027? | Stage 1 (Preparatory) runs from March 2025 to December 2025, when banks set up IFRS 9 implementation teams and build borrower-level databases going back to 2022. Stage 2 (Development and Pilot) begins in January 2026, with banks finalising automated ECL models by mid-2026 and applying the framework to at least 25 perce... | Box 5.01 (Adoption of Expected Credit Loss (ECL) Framework Under IFRS 9): "Bangladesh Bank has decided to adopt an Expected Credit Loss (ECL) methodology-based provisioning system under IFRS 9, to be fully implemented by 2027. ... 1. Preparatory Stage: The preparatory phase will run from March 2025 to December 2025. ..... | Multi-hop Reasoning | Text Only | Medium | 43 |
chapter_5-q57 | 57 | Chapter 5 | Banking Sector Performance, Regulation and Bank Supervision | What were the total fund and total investment of the Deposit Insurance Trust Fund (DITF) as of 31 December 2024, and what share of depositors were fully insured? | As of 31 December 2024 the DITF total fund was BDT 1,168.71 billion, total investment was BDT 168.3 billion, and approximately 91.21 percent of depositors were fully insured. | Table 5.11 (The recent position of DITF), Unaudited Figure (as of 31 December 2024) column: Total Fund = 1168.71 billion BDT, Total Investment = 168.3 billion BDT, Fully Insured Depositors = 91.21% (Approximately); Premium Rate: Sound Bank Categories = 0.08%, Early Warning Bank Categories = 0.09%, Problem Bank Categori... | Evidence Retrieval | Table Only | Medium | 50 |
chapter_5-q58 | 58 | Chapter 5 | Banking Sector Performance, Regulation and Bank Supervision | When was the Credit Information Bureau (CIB) established in Bangladesh Bank, and when did it introduce online services? | The CIB was established in Bangladesh Bank on 18 August 1992 and introduced online services on 19 July 2011. | Para 5.52: "The Credit Information Bureau (CIB) was established in Bangladesh Bank on 18 August 1992 with the mandate to minimise the incidence of default loans and to strengthen overall credit discipline in the financial sector. To modernise operations and accelerate report generation, the Bureau introduced online ser... | Evidence Retrieval | Text Only | Easy | 50 |
chapter_5-q59 | 59 | Chapter 5 | Banking Sector Performance, Regulation and Bank Supervision | Compare the growth in the total number of bank borrowers with the growth in classified borrowers between June 2024 and June 2025. | The total number of bank borrowers rose only marginally, by 0.16 percent, from 75,93,820 in June 2024 to 76,05,923 in June 2025, whereas the number of classified borrowers rose sharply, by around 39 percent, from 10,12,721 to 14,09,548 over the same period. | Para 5.54: "The total number of bank borrowers stood at 76,05,923 at end June 2025, compared with 75,93,820 in June 2024, showing only a marginal increase of 0.16 percent. In contrast, the number of classified borrowers rose sharply to 14,09,548 in June 2025, up from 10,12,721 in June 2024, representing an increase of ... | Comparison | Text Only | Medium | 50 |
chapter_5-q60 | 60 | Chapter 5 | Banking Sector Performance, Regulation and Bank Supervision | By how many did the total number of bank borrowers increase between June 2024 and June 2025? | By 12,103 borrowers — from 75,93,820 in June 2024 to 76,05,923 in June 2025 (a 0.16 percent increase). | Para 5.54: "The total number of bank borrowers stood at 76,05,923 at end June 2025, compared with 75,93,820 in June 2024, showing only a marginal increase of 0.16 percent." Calculation: 76,05,923 - 75,93,820 = 12,103. | Numerical Calculation | Text Only | Easy | 50 |
chapter_6-q1 | 1 | Chapter 6 | Performance of Islamic Banking System (IBS) in Bangladesh | When did Islamic banking start in Bangladesh, and what has driven its expansion over the past four decades? | Islamic banking started in Bangladesh in 1983 and has continued expanding over the past four decades, driven by higher demand from the Muslim population for Shariah-compliant banking services and regulatory support from the government and Bangladesh Bank. | Para 6.01: "In Bangladesh Islamic banking started in 1983, and has grown significantly as a crucial component of the financial sector. Over the past four decades, Islamic banking has continued expanding, motivated by higher demand of the Muslim population for Shariah-compliant banking services, as well as regulatory su... | Trend Analysis | Text Only | Easy | 53 |
chapter_6-q2 | 2 | Chapter 6 | Performance of Islamic Banking System (IBS) in Bangladesh | How many full-fledged Islamic banks operate in Bangladesh, how many branches do they have, and how many Islamic banking branches and windows do conventional commercial banks provide? | There are 10 full-fledged Islamic banks with 1,699 branches (out of 11,372 branches of the entire banking sector), plus 41 Islamic banking branches of 17 conventional commercial banks and 905 Islamic banking windows of 21 conventional commercial banks. | Para 6.02: "The Islamic banking sector in Bangladesh is composed of 10 full-fledged Islamic banks and consists of 1699 branches out of the 11372 branches of the entire banking sector. In addition, 41 Islamic banking branches of 17 conventional commercial banks and 905 Islamic banking windows of 21 conventional commerci... | Fact Extraction | Text + Table | Easy | 53 |
chapter_6-q3 | 3 | Chapter 6 | Performance of Islamic Banking System (IBS) in Bangladesh | Which full-fledged Islamic bank has the largest branch network, and how many branches does it have? | Islami Bank Bangladesh PLC has the largest network, with 400 branches. | Table 6.01 (Number of Islamic Banks, Branches and Windows), Full-fledged Islamic Banks / No. of Branches: Islami Bank Bangladesh PLC = 400, Al-Arafah Islami Bank PLC = 226, First Security Islami Bank PLC = 206, Social Islami Bank PLC = 181, EXIM Bank PLC = 155, Shahjalal Islami Bank PLC = 141, Standard Bank PLC = 138, ... | Fact Extraction | Table Only | Easy | 53 |
chapter_6-q4 | 4 | Chapter 6 | Performance of Islamic Banking System (IBS) in Bangladesh | How do Islami Bank Bangladesh PLC's assets, deposits and investment compare with those of the other full-fledged Islamic banks at end June 2025? | Islami Bank Bangladesh PLC's assets, deposits and investment bars are far larger than those of any other full-fledged Islamic bank, exceeding BDT 2,000 billion in assets, while the next largest banks (Al-Arafah Islami Bank PLC and First Security Islami Bank PLC) are well below BDT 1,000 billion and ICB Islamic Bank Lim... | Chart 6.01 (Bankwise Assets, Deposits and Investment of Islamic Banks in end June 2025, in billion BDT): the Islami Bank Bangladesh PLC group of bars (assets, Deposits, Investment) rises to roughly 2,000-2,500 while all other banks' bars are a fraction of that, tapering to near zero for ICB Islamic Bank Limited. "Sourc... | Comparison | Chart Only | Easy | 53 |
chapter_6-q5 | 5 | Chapter 6 | Performance of Islamic Banking System (IBS) in Bangladesh | What was the total asset size of the Islamic banking system (IBS) at end June 2025 and at end December 2024? | Total assets of IBS stood at BDT 6,606.68 billion at end June 2025 (an increase of 3.04 percent from December 2024) and BDT 6,411.62 billion at end December 2024 (an increase of 9.63 percent from December 2023). | Para 6.04: "At end June 2025, total assets of the Islamic banking system (IBS) of Bangladesh stood at BDT 6606.68 billion, registering an increase of 3.04 percent from December 2024. Total assets of IBS stood at BDT 6411.62 billion at end December 2024, showing an increase of BDT 563.44 billion or 9.63 percent as compa... | Fact Extraction | Text + Table | Easy | 54 |
chapter_6-q6 | 6 | Chapter 6 | Performance of Islamic Banking System (IBS) in Bangladesh | What were the total deposits of the Islamic banking system (IBS) at end June 2025 and at end December 2024? | Total deposits of IBS stood at BDT 4,709.88 billion at end June 2025 (up 2.89 percent from end December 2024) and BDT 4,577.41 billion at end December 2024 (up 3.84 percent, or BDT 169.44 billion, from December 2023). | Para 6.05: "At end June 2025, total deposits of IBS stood at BDT 4709.88 billion, registering an increase of 2.89 percent from end December 2024. Total deposits of IBS stood at BDT 4577.41 billion at end December 2024, showing an increase of BDT 169.44 billion or 3.84 percent compared to December 2023." Table 6.02, Dep... | Fact Extraction | Text + Table | Easy | 54 |
chapter_6-q7 | 7 | Chapter 6 | Performance of Islamic Banking System (IBS) in Bangladesh | What share of the overall banking industry's assets, deposits and investment did the Islamic banking system account for in 2024? | In 2024 the Islamic banking system held 24.38 percent of overall banking industry assets, 24.30 percent of deposits, and 29.80 percent of investment. | Table 6.02 (Industry Progress and Market Share of Islamic Banking System), Share in Overall Banking Industry (in percent), 2024 column: Assets = 24.38, Deposits = 24.30, Investment = 29.80. | Fact Extraction | Table Only | Easy | 54 |
chapter_6-q8 | 8 | Chapter 6 | Performance of Islamic Banking System (IBS) in Bangladesh | Compare the share of the Islamic banking system in overall banking industry assets with its share of overall deposits in December 2024. | In December 2024 the Islamic banking system's share of overall banking industry assets was 24.38 percent, slightly higher than its 24.30 percent share of overall deposits. | Para 6.04: "The share of IBS accounted for 24.38 percent of the total assets of the whole banking industry in December 2024." Para 6.05: "The share of IBS was recorded at 24.30 percent of the total deposits of the entire banking industry in December 2024." Table 6.02, Share in Overall Banking Industry, 2024: Assets = 2... | Comparison | Text + Table | Easy | 54 |
chapter_6-q9 | 9 | Chapter 6 | Performance of Islamic Banking System (IBS) in Bangladesh | How do the total assets of all banks compare with the total assets of Islamic banks in 2024? | All banks held BDT 26,297.80 billion in total assets in 2024, while Islamic banks held BDT 6,411.62 billion — Islamic banks accounted for roughly a quarter of the industry total. | Table 6.02, Assets row: All Banks 2024 = 26,297.80; Islamic Banks 2024 = 6411.62 (9.63); Share in Overall Banking Industry 2024 = 24.38. | Comparison | Table Only | Easy | 54 |
chapter_6-q10 | 10 | Chapter 6 | Performance of Islamic Banking System (IBS) in Bangladesh | How did the Islamic banking system's share of overall banking industry deposits trend from 2023 to end June 2025? | The Islamic banking system's share of overall banking industry deposits declined steadily, from 25.20 percent in 2023 to 24.30 percent in 2024 and 23.59 percent at end June 2025. | Table 6.02, Deposits row, Share in Overall Banking Industry (in percent): 2023 = 25.20, 2024 = 24.30, 2025* = 23.59. Note: * End June 2025. | Trend Analysis | Table Only | Medium | 54 |
chapter_6-q11 | 11 | Chapter 6 | Performance of Islamic Banking System (IBS) in Bangladesh | What were the main components of the Islamic banking system's total assets in 2024, by share? | Investment secured the highest position at 73.66 percent (BDT 4,722.54 billion), followed by other assets at 14.99 percent (BDT 960.95 billion), sukuk and BGIIB at 4.63 percent (BDT 296.64 billion), deposits with BB at 3.90 percent (BDT 250.09 billion), EDF at 1.57 percent (BDT 100.66 billion), cash in tills at 0.92 pe... | Para 6.04: "Among the total assets, investment secured the highest position at 73.66 percent, followed by other assets 14.99 percent, sukuk and BGIIB 4.63 percent, deposits with BB 3.90 percent, Export Development Fund (EDF) 1.57 percent, cash in tills 0.92 percent and refinance 0.34 percent." Chart 6.02(a) (Total Asse... | Fact Extraction | Text + Chart | Medium | 54 |
chapter_6-q12 | 12 | Chapter 6 | Performance of Islamic Banking System (IBS) in Bangladesh | What components make up the total assets of Islamic banks in 2024, and where does this data come from? | Total Investment, Other assets, Sukuk and BGIIB, Deposit with BB, EDF, Cash in tills, and Refinance; the source is the respective Islamic banks. | Chart 6.02(a) (Total Assets of Islamic Banks in 2024, in billion BDT): labelled segments "Total Investment, 4722.54, 73.66%", "Other assets, 960.95, 14.99%", "Sukuk and BGIIB, 296.64, 4.63%", "Deposit with BB, 250.09, 3.90%", "EDF, 100.66, 1.57%", "Cash in tills, 59.07, 0.92%", "Refinance, 21.66, 0.34%"; "Source: Respe... | Evidence Retrieval | Chart Only | Easy | 54 |
chapter_6-q13 | 13 | Chapter 6 | Performance of Islamic Banking System (IBS) in Bangladesh | What were the components of Islamic banks' total liabilities in 2024? | Time deposit 61.20 percent (BDT 3,923.60 billion), other liabilities 24.39 percent (BDT 1,563.58 billion), demand deposit 10.49 percent (BDT 672.25 billion), shareholders' equity 2.57 percent (BDT 165.05 billion), EDF 1.03 percent (BDT 65.87 billion) and refinance 0.33 percent (BDT 21.14 billion); deposits (time plus d... | Para 6.05: "In 2024, deposits (time + demand) remained the main source of the funding of Islamic banks (71.69 percent of total liabilities). Among the total liabilities, other liabilities were 24.39 percent, shareholders' equity was 2.57 percent, EDF was 1.03 percent and refinance was 0.33 percent." Chart 6.02(b) (Tota... | Evidence Retrieval | Text + Chart | Medium | 54 |
chapter_6-q14 | 14 | Chapter 6 | Performance of Islamic Banking System (IBS) in Bangladesh | How does the share of time deposits compare with the share of demand deposits in Islamic banks' total liabilities in 2024? | Time deposits made up 61.20 percent of total liabilities while demand deposits made up 10.49 percent — time deposits were roughly six times the demand-deposit share, and together the two accounted for 71.69 percent of total liabilities. | Chart 6.02(b): Time deposit 3923.60 (61.20%), Demand deposit 672.25 (10.49%). Para 6.05: "deposits (time + demand) remained the main source of the funding of Islamic banks (71.69 percent of total liabilities)." | Comparison | Text + Chart | Medium | 54 |
chapter_6-q15 | 15 | Chapter 6 | Performance of Islamic Banking System (IBS) in Bangladesh | How does the single largest component of Islamic banks' total assets compare with the single largest component of their total liabilities in 2024? | The largest asset component was Total Investment at BDT 4,722.54 billion (73.66 percent of total assets), while the largest liability component was Time deposit at BDT 3,923.60 billion (61.20 percent of total liabilities). | Chart 6.02(a): "Total Investment, 4722.54, 73.66%" (largest asset segment). Chart 6.02(b): "Time deposit, 3923.60, 61.20%" (largest liability segment). | Comparison | Chart Only | Easy | 54 |
chapter_6-q16 | 16 | Chapter 6 | Performance of Islamic Banking System (IBS) in Bangladesh | By how much did the total assets of the Islamic banking system increase between December 2023 and December 2024? | By BDT 563.44 billion (an increase of 9.63 percent), reaching BDT 6,411.62 billion at end December 2024. | Para 6.04: "Total assets of IBS stood at BDT 6411.62 billion at end December 2024, showing an increase of BDT 563.44 billion or 9.63 percent as compared to December 2023." | Numerical Calculation | Text Only | Easy | 54 |
chapter_6-q17 | 17 | Chapter 6 | Performance of Islamic Banking System (IBS) in Bangladesh | What was the combined value of time and demand deposits held by Islamic banks in 2024, and what share of total liabilities did this represent? | The combined value was BDT 4,595.85 billion (BDT 3,923.60 billion in time deposits plus BDT 672.25 billion in demand deposits), representing 71.69 percent of total liabilities. | Chart 6.02(b): Time deposit = 3923.60 (61.20%), Demand deposit = 672.25 (10.49%). Para 6.05: "deposits (time + demand) remained the main source of the funding of Islamic banks (71.69 percent of total liabilities)." Calculations: 3923.60 + 672.25 = 4595.85; 61.20 + 10.49 = 71.69. | Numerical Calculation | Text + Chart | Hard | 54 |
chapter_6-q18 | 18 | Chapter 6 | Performance of Islamic Banking System (IBS) in Bangladesh | How did the Islamic banking system maintain roughly a one-quarter market share of the banking industry even as its asset quality collapsed? | Between 2023 and end June 2025 the Islamic banking system held its industry share of assets at about 24.4-24.5 percent (24.38 percent in 2023 and 2024, 24.52 percent at end June 2025) and its investment share near 30 percent, because its assets and deposits kept growing in absolute terms (assets up 9.63 percent in 2024... | Table 6.02, Share in Overall Banking Industry (in percent): Assets 2023 = 24.38, 2024 = 24.38, 2025* = 24.52; Investment 2023 = 30.41, 2024 = 29.80, 2025* = 30.11; Gross NPLs 2023 = 17.06, 2024 = 62.44, 2025* = 62.55. Para 6.04: assets "increase of BDT 563.44 billion or 9.63 percent". Para 6.05: deposits "increase of B... | Multi-hop Reasoning | Text + Table | Medium | 54 |
chapter_6-q19 | 19 | Chapter 6 | Performance of Islamic Banking System (IBS) in Bangladesh | What were the total investments (loans and advances) of the Islamic banking system at end June 2025 and at end December 2024? | Total investments stood at BDT 5,222.04 billion at end June 2025 (an increase of 4.12 percent) and BDT 5,015.49 billion at end December 2024 (up BDT 336.67 billion, or 7.20 percent, from December 2023). | Para 6.06: "Total Investments (loans and advances) of IBS increased to BDT 5222.04 billion or 4.12 percent at end June 2025. It stood at BDT 5015.49 billion in December 2024 which had gone up by BDT 336.67 billion or 7.20 percent from December 2023." Table 6.04, Total investment row: 2024 = 5015.49, 2025* = 5222.04. | Fact Extraction | Text + Table | Medium | 55 |
chapter_6-q20 | 20 | Chapter 6 | Performance of Islamic Banking System (IBS) in Bangladesh | What was the capital to risk weighted assets ratio (CRAR) of full-fledged Islamic banks in 2024 and at end June 2025? | The CRAR of full-fledged Islamic banks was 3.91 percent in 2024 and fell to negative 0.95 percent at end June 2025. | Table 6.03 (Capital to Risk Weighted Assets of IBS), Capital to risk weighted assets (ratio in percent) row: 2024 = 3.91, 2025* = -0.95. Note: * As per Provisional data of end June 2025; the capital adequacy figure reflected only for full-fledged Islamic banks. | Fact Extraction | Table Only | Easy | 55 |
chapter_6-q21 | 21 | Chapter 6 | Performance of Islamic Banking System (IBS) in Bangladesh | What was the aggregate regulatory capital of full-fledged Islamic banks on 31 December 2024, and how did it change by end June 2025? | It was BDT 171.85 billion on 31 December 2024 and had decreased to BDT -50.88 billion (negative) at end June 2025. | Para 6.07: "the aggregate amount of regulatory capital of full-fledged Islamic banks stood at BDT 171.85 billion as on 31 December 2024, but had decreased to BDT -50.88 billion at end June 2025." Table 6.03, Total capital row: 2024 = 171.85, 2025* = -50.88. | Fact Extraction | Text + Table | Medium | 55 |
chapter_6-q22 | 22 | Chapter 6 | Performance of Islamic Banking System (IBS) in Bangladesh | What was the ratio of gross NPIs to total investments of Islamic banks in 2024 and at end June 2025? | The ratio was 43.05 percent in 2024 and rose to 50.35 percent at end June 2025. | Table 6.04 (Ratio of Gross NPIs to Total Investments of Islamic Banks), Ratio of gross NPIs to total investments (in percent) row: 2024 = 43.05, 2025* = 50.35. Note: * End June 2025. | Fact Extraction | Table Only | Easy | 55 |
chapter_6-q23 | 23 | Chapter 6 | Performance of Islamic Banking System (IBS) in Bangladesh | What was the amount of gross NPIs of the Islamic banking system as on June 2025, and how was it distributed across full-fledged Islamic banks, Islamic branches and Islamic windows of conventional banks? | Gross NPIs of the Islamic banking system were BDT 2,629.09 billion as on June 2025, of which full-fledged Islamic banks accounted for BDT 2,594.30 billion, Islamic branches of conventional banks BDT 22.91 billion, and Islamic windows of conventional banks BDT 11.89 billion. | Para 6.08: "As on June 2025, the amount of gross NPIs of the Islamic banking system was BDT 2629.09 billion, of which full-fledged Islamic banks, branches and windows of conventional banks were BDT 2594.30 billion, BDT 22.91 billion and BDT 11.89 billion respectively (Table 6.04)." Table 6.04, Gross NPI by types of Isl... | Fact Extraction | Text + Table | Medium | 55 |
chapter_6-q24 | 24 | Chapter 6 | Performance of Islamic Banking System (IBS) in Bangladesh | How did the ratio of gross NPIs to total investments of Islamic banks trend from 2020 to end June 2025? | The ratio was broadly flat and low from 2020 to 2022 (4.06 percent, 4.03 percent, 3.95 percent), edged up to 5.31 percent in 2023, then exploded to 43.05 percent in 2024 and 50.35 percent at end June 2025. | Table 6.04, Ratio of gross NPIs to total investments (in percent) row: 2020 = 4.06, 2021 = 4.03, 2022 = 3.95, 2023 = 5.31, 2024 = 43.05, 2025* = 50.35. | Trend Analysis | Table Only | Medium | 55 |
chapter_6-q25 | 25 | Chapter 6 | Performance of Islamic Banking System (IBS) in Bangladesh | What was the amount of net NPIs of the Islamic banking system as on June 2025, and how was it split across full-fledged Islamic banks, Islamic branches and Islamic windows? | Net NPIs of the Islamic banking system were BDT 1,621.60 billion as on June 2025, comprising BDT 1,592.48 billion for full-fledged Islamic banks, BDT 20.03 billion for Islamic branches of conventional banks, and BDT 9.09 billion for Islamic windows of conventional banks. | Para 6.09: "As on June 2025, the amount of net NPIs of Islamic banking system was BDT 1621.60 billion, of which full-fledged Islamic banks, branches and windows of conventional banks were BDT 1592.48 billion, BDT 20.03 billion and BDT 9.09 billion, respectively." | Fact Extraction | Text Only | Medium | 55 |
chapter_6-q26 | 26 | Chapter 6 | Performance of Islamic Banking System (IBS) in Bangladesh | Compare the ratio of gross NPIs to total investments of Islamic banks at end December 2024 with its level at end June 2025. | The ratio rose from 43.05 percent at end December 2024 to 50.35 percent at end June 2025, an increase of 7.30 percentage points. | Para 6.08: "The gross NPI of Islamic banks increased by 50.35 percent at end June 2025 which was 43.05 percent at end December 2024." Table 6.04, Ratio of gross NPIs to total investments (in percent): 2024 = 43.05, 2025* = 50.35. | Comparison | Text + Table | Medium | 55 |
chapter_6-q27 | 27 | Chapter 6 | Performance of Islamic Banking System (IBS) in Bangladesh | Compare the ratio of net NPIs to net total investments of the Islamic banking system at end December 2023 with that at end December 2024. | The ratio jumped from 2.70 percent at end December 2023 to 29.80 percent at end December 2024. | Para 6.09: "The ratio of net NPIs (net of provisions and profit suspense) to net total investment (net of provisions and profit suspense) of IBS increased to 29.80 percent at end December 2024, up from 2.70 percent of end December 2023 (Table 6.05)." Table 6.05, Ratio of net NPIs to total net investments (%): 2023 = 2.... | Comparison | Text + Table | Medium | 55 |
chapter_6-q28 | 28 | Chapter 6 | Performance of Islamic Banking System (IBS) in Bangladesh | Compare the three largest components of Islamic banks' total liabilities in 2024. | Time deposit was the largest at 61.20 percent (BDT 3,923.60 billion), followed by other liabilities at 24.39 percent (BDT 1,563.58 billion) and demand deposit at 10.49 percent (BDT 672.25 billion) — time deposit alone was larger than the other two combined. | Chart 6.02(b) (Total Liabilities of Islamic Banks in 2024, in billion BDT): Time deposit 3923.60 (61.20%), Other liabilities 1563.58 (24.39%), Demand deposit 672.25 (10.49%), Share holders equity 165.05 (2.57%), EDF 65.87 (1.03%), Refinance 21.14 (0.33%). | Comparison | Chart Only | Medium | 54 |
chapter_6-q29 | 29 | Chapter 6 | Performance of Islamic Banking System (IBS) in Bangladesh | Compare the CRAR of full-fledged Islamic banks in 2023, 2024 and end June 2025. | The CRAR fell from 12.68 percent in 2023 to 3.91 percent in 2024 and then to negative 0.95 percent at end June 2025. | Table 6.03, Capital to risk weighted assets (ratio in percent) row: 2023 = 12.68, 2024 = 3.91, 2025* = -0.95. Para 6.07: "CRAR of full-fledged Islamic banks had reduced to -0.95 percent. It also decreased to 3.91 percent as of December 2024, down from 12.68 percent of 31 December 2023." | Comparison | Table Only | Medium | 55 |
chapter_6-q30 | 30 | Chapter 6 | Performance of Islamic Banking System (IBS) in Bangladesh | How did the CRAR of full-fledged Islamic banks trend from 2020 to end June 2025? | The CRAR held around 12.5-12.8 percent from 2020 to 2023 (12.77, 12.81, 12.51, 12.68 percent), then collapsed to 3.91 percent in 2024 and to negative 0.95 percent at end June 2025. | Table 6.03, Capital to risk weighted assets (ratio in percent) row: 2020 = 12.77, 2021 = 12.81, 2022 = 12.51, 2023 = 12.68, 2024 = 3.91, 2025* = -0.95. Para 6.07 gives the same 2023, 2024 and end June 2025 figures. | Trend Analysis | Text + Table | Medium | 55 |
chapter_6-q31 | 31 | Chapter 6 | Performance of Islamic Banking System (IBS) in Bangladesh | How did the ROA of Islamic banks trend from 2020 to end June 2025? | ROA was positive and fairly stable at about 0.53-0.56 percent from 2020 to 2022 (0.56, 0.53, 0.54 percent), fell to 0.16 percent in 2023, then turned negative at -0.39 percent in 2024 and -0.64 percent at end June 2025. | Table 6.09 (Profitability ratio (ROA) of Islamic banks), ROA row: 2020 = 0.56, 2021 = 0.53, 2022 = 0.54, 2023 = 0.16, 2024 = -0.39, 2025* = -0.64. Para 6.11: "At end June 2025, the ROA of IBS declined to -0.64 percent. It also decreased in December 2024 (-0.39 percent) as compared to December 2023 (0.16 percent)." | Trend Analysis | Text + Table | Medium | 55-57 |
chapter_6-q32 | 32 | Chapter 6 | Performance of Islamic Banking System (IBS) in Bangladesh | By how much did the gross NPIs of Islamic banks increase between 2023 and end June 2025? | By BDT 2,380.64 billion — from BDT 248.45 billion in 2023 to BDT 2,629.09 billion at end June 2025. | Table 6.04, Gross NPIs row: 2023 = 248.45, 2025* = 2629.09. Calculation: 2629.09 - 248.45 = 2380.64. | Numerical Calculation | Table Only | Medium | 55 |
chapter_6-q33 | 33 | Chapter 6 | Performance of Islamic Banking System (IBS) in Bangladesh | By how much did the net NPIs of Islamic banks increase between 2023 and end June 2025? | By BDT 1,499.24 billion — from BDT 122.36 billion in 2023 to BDT 1,621.60 billion at end June 2025. | Table 6.05 (Ratio of Net NPIs to Total Net Investments of Islamic Banks), Net NPIs row: 2023 = 122.36, 2025* = 1621.60. Calculation: 1621.60 - 122.36 = 1499.24. | Numerical Calculation | Table Only | Medium | 55 |
chapter_6-q34 | 34 | Chapter 6 | Performance of Islamic Banking System (IBS) in Bangladesh | By how many percentage points did the CRAR of full-fledged Islamic banks fall between 31 December 2023 and 31 December 2024? | By 8.77 percentage points — from 12.68 percent on 31 December 2023 to 3.91 percent in December 2024. | Para 6.07: "CRAR of full-fledged Islamic banks ... decreased to 3.91 percent as of December 2024, down from 12.68 percent of 31 December 2023." Table 6.03, Capital to risk weighted assets (ratio in percent): 2023 = 12.68, 2024 = 3.91. Calculation: 12.68 - 3.91 = 8.77. | Numerical Calculation | Text + Table | Medium | 55 |
chapter_6-q35 | 35 | Chapter 6 | Performance of Islamic Banking System (IBS) in Bangladesh | What share of the entire banking industry's gross NPLs did Islamic banks account for at end June 2025? | About 62.55 percent — Islamic banks' gross NPLs of BDT 2,629.09 billion out of the all-banks total of BDT 4,203.35 billion. | Table 6.02, Gross NPLs row: All Banks 2025* = 4203.35, Islamic Banks 2025* = 2629.09, Share in Overall Banking Industry 2025* = 62.55. Calculation: 2629.09 / 4203.35 = 0.6255 = 62.55 percent. | Numerical Calculation | Text + Table | Hard | 54-55 |
chapter_6-q36 | 36 | Chapter 6 | Performance of Islamic Banking System (IBS) in Bangladesh | How did the capital position of full-fledged Islamic banks turn negative by mid-2025? | Full-fledged Islamic banks' total capital fell from BDT 370.57 billion in 2023 to BDT 171.85 billion in 2024 and then to BDT -50.88 billion at end June 2025, while their risk-weighted assets kept rising (BDT 2,922.60 billion in 2023 to BDT 4,393.63 billion in 2024 and BDT 5,371.79 billion at end June 2025). With capita... | Table 6.03: Total capital 2023 = 370.57, 2024 = 171.85, 2025* = -50.88; Risk weighted assets 2023 = 2922.60, 2024 = 4393.63, 2025* = 5371.79; Capital to risk weighted assets (ratio in percent) 2023 = 12.68, 2024 = 3.91, 2025* = -0.95. Para 6.07: "the aggregate amount of regulatory capital of full-fledged Islamic banks ... | Multi-hop Reasoning | Text + Table | Hard | 55 |
chapter_6-q37 | 37 | Chapter 6 | Performance of Islamic Banking System (IBS) in Bangladesh | How did the roughly 769 percent jump in Islamic banks' gross NPLs in 2024 propagate into their provisioning and capital positions? | Islamic banks' gross NPLs rose about 769 percent in 2024 (to BDT 2,159.06 billion) and rose further to BDT 2,629.09 billion by end June 2025. The required provision jumped accordingly to BDT 1,925.15 billion in 2024 and BDT 2,154.04 billion by mid-2025, but provision maintained barely moved (BDT 210.68 billion, then BD... | Table 6.02, Gross NPLs row, Islamic Banks: 2024 = 2159.06 (769.00), 2025* = 2629.09 (21.77). Table 6.06 (Required Provision and Provision Maintained by Islamic Banks): Required Provision 2024 = 1925.15, 2025* = 2154.04; Provision maintained 2024 = 210.68, 2025* = 223.89; Ratio of provision maintained to required provis... | Multi-hop Reasoning | Text + Table | Hard | 54-56 |
chapter_6-q38 | 38 | Chapter 6 | Performance of Islamic Banking System (IBS) in Bangladesh | What was the required provision and the provision maintained by Islamic banks at end June 2025? | At end June 2025 the required provision was BDT 2,154.04 billion while the provision maintained was only BDT 223.89 billion. | Table 6.06 (Required Provision and Provision Maintained by Islamic Banks, in billion BDT), 2025* column: Amount of Gross NPI = 2629.09, Required Provision = 2154.04, Provision maintained = 223.89, Ratio of provision maintained to required provision = 10.39, Excess(+)/Shortfall(-) = -1930.15. Note: * End June 2025. | Fact Extraction | Table Only | Medium | 56 |
chapter_6-q39 | 39 | Chapter 6 | Performance of Islamic Banking System (IBS) in Bangladesh | What metrics track Islamic banks' gross NPLs, provisioning and provision-coverage ratio over time, and what period do they span? | Chart 6.03 (Gross NPI, Provision and Ratio of Provision Maintained to Required Provision) shows the amount of Gross NPLs and Provision as bars in billion BDT and the ratio of required provision to provision maintained as a line in percent, for 2020 through 2024 and end June 2025. | Chart 6.03 (Gross NPI, Provision and Ratio of Provision Maintained to Required Provision): bars "Gross NPLs" and "Provision" (left axis "In billion BDT"), line "Ratio of Required Provision to Provision maintained(%)" (right axis "Percent"); x-axis 2020, 2021, 2022, 2023, 2024, 2025*; note "* End June 2025"; "Source: Da... | Fact Extraction | Chart Only | Easy | 56 |
chapter_6-q40 | 40 | Chapter 6 | Performance of Islamic Banking System (IBS) in Bangladesh | How did Islamic banks' gross NPLs and their ratio of provision maintained to required provision move between 2023 and 2024? | Between 2023 and 2024 the Gross NPLs bar jumped from a low level (around BDT 250 billion) to well above BDT 2,000 billion, while the ratio line, which had stayed near the top of its range (about 99 percent) through 2023, plunged to roughly 10 percent. | Chart 6.03: the "Gross NPLs" bar rises steeply from 2023 to 2024 (to well above 2,000 on the "In billion BDT" axis) while the "Ratio of Required Provision to Provision maintained(%)" line drops sharply from near its peak to the bottom of the "Percent" axis between 2023 and 2024. Supporting values (Table 6.06): Amount o... | Comparison | Chart Only | Hard | 56 |
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