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_8-q21 | 21 | Chapter 8 | Performance, Regulation and Supervision of Finance Companies (FCs) | How has the liabilities-to-assets ratio of finance companies trended from 2019 through mid-2025? | The liabilities-assets ratio rose steadily from 86.42 percent in 2019 to 90.43 percent (2020), 91.90 percent (2021), 93.39 percent (2022), 98.63 percent (2023), and then crossed 100 percent to 104.69 percent in 2024 and 113.73 percent as on 30 June 2025 — meaning FCs' total liabilities came to exceed their total assets... | Para 8.09: "At end June 2025, the total liabilities of the FCs increased to BDT 1189.09 billion, up from BDT 1054.38 billion at end June 2024." Table 8.02, Liabilities-assets ratio (%) row: 2019 = 86.42, 2020 = 90.43, 2021 = 91.90, 2022 = 93.39, 2023 = 98.63, 2024 = 104.69, 2025* = 113.73. | Trend Analysis | Text + Table | Easy | 80 |
chapter_8-q22 | 22 | Chapter 8 | Performance, Regulation and Supervision of Finance Companies (FCs) | What does finance companies' liabilities-to-assets position as of 30 June 2025 imply about the sector's net worth? | As on 30 June 2025 FCs' total liabilities (BDT 1,189.09 billion) exceeded their total assets (BDT 1,045.51 billion), a liabilities-assets ratio of 113.73 percent. Since liabilities are larger than assets, the FC sector as a whole had negative net worth (aggregate equity of roughly negative BDT 143.58 billion), and the ... | Para 8.09: "At end June 2025, the total liabilities of the FCs increased to BDT 1189.09 billion, up from BDT 1054.38 billion at end June 2024." Table 8.02, 2025* column: Total assets = 1045.51, Total liabilities = 1189.09, Liabilities-assets ratio (%) = 113.73; the ratio rises every year from 86.42 in 2019. | Multi-hop Reasoning | Text + Table | Medium | 80 |
chapter_8-q23 | 23 | Chapter 8 | Performance, Regulation and Supervision of Finance Companies (FCs) | What was the sector-wise breakdown of finance companies' investment at end June 2025? | Industry 48.25 percent; housing 16.68 percent; trade and commerce 15.04 percent; financial corporations 7.07 percent; service 6.09 percent; consumer finance 3.29 percent; agriculture 2.04 percent; others 1.48 percent; and mining and quarrying 0.07 percent. | Para 8.06: "Sector-wise composition of FCs' investment at end June 2025 was as follows: trade and commerce 15.04 percent; industry 48.25 percent; agriculture 2.04 percent; housing 16.68 percent; financial corporations 7.07 percent; service 6.09 percent; consumer finance 3.29 percent; and others 1.48 percent (Chart 8.01... | Fact Extraction | Text + Chart | Easy | 80 |
chapter_8-q24 | 24 | Chapter 8 | Performance, Regulation and Supervision of Finance Companies (FCs) | Which sector had the largest share of finance companies' investment at end June 2025, and what was that share? | Industry had the largest share, at 48.25 percent of FCs' investment. | Chart 8.01 (Investment Patterns of FCs): Industry: 48.25%, Housing 16.68%, Trade and Commerce 15.04%, Financial Corporation 7.07%, Service 6.09%, Consumer Finance 3.29%, Agriculture 2.04%, Others 1.48%, Mining & Quarrying 0.07%. "* As on 30 June 2025. Source: Department of Financial Institutions and Markets, Bangladesh... | Fact Extraction | Chart Only | Easy | 80 |
chapter_8-q25 | 25 | Chapter 8 | Performance, Regulation and Supervision of Finance Companies (FCs) | What were the second and third largest sectors in finance companies' investment at end June 2025? | Housing was the second largest at 16.68 percent and trade and commerce was the third largest at 15.04 percent. | Chart 8.01 (Investment Patterns of FCs): Industry 48.25%, Housing 16.68%, Trade and Commerce 15.04%, Financial Corporation 7.07%, Service 6.09%. | Fact Extraction | Chart Only | Easy | 80 |
chapter_8-q26 | 26 | Chapter 8 | Performance, Regulation and Supervision of Finance Companies (FCs) | How does the share of finance company investment going to industry compare with the share going to housing at end June 2025? | Industry accounted for 48.25 percent of FC investment, about 2.9 times the 16.68 percent share going to Housing. | Chart 8.01 (Investment Patterns of FCs): Industry: 48.25%, Housing 16.68%. | Comparison | Chart Only | Easy | 80 |
chapter_8-q27 | 27 | Chapter 8 | Performance, Regulation and Supervision of Finance Companies (FCs) | How do the three smallest sectors compare in finance companies' investment at end June 2025? | The three smallest were mining and quarrying at 0.07 percent, others at 1.48 percent and agriculture at 2.04 percent. | Chart 8.01 (Investment Patterns of FCs): Mining & Quarrying 0.07%, Others 1.48%, Agriculture 2.04%, Consumer Finance 3.29%. | Comparison | Chart Only | Easy | 80 |
chapter_8-q28 | 28 | Chapter 8 | Performance, Regulation and Supervision of Finance Companies (FCs) | What shares of finance companies' investment went to agriculture and to consumer finance at end June 2025? | Agriculture received 2.04 percent and consumer finance received 3.29 percent of FCs' investment at end June 2025. | Para 8.06: "agriculture 2.04 percent ... consumer finance 3.29 percent". Chart 8.01: Agriculture 2.04%, Consumer Finance 3.29%. | Fact Extraction | Text + Chart | Easy | 80 |
chapter_8-q29 | 29 | Chapter 8 | Performance, Regulation and Supervision of Finance Companies (FCs) | What shares of finance companies' investment went to financial corporations and to the service sector at end June 2025? | Financial corporations received 7.07 percent and the service sector received 6.09 percent of FCs' investment at end June 2025. | Para 8.06: "financial corporations 7.07 percent; service 6.09 percent". Chart 8.01: Financial Corporation 7.07%, Service 6.09%. | Fact Extraction | Text + Chart | Medium | 80 |
chapter_8-q30 | 30 | Chapter 8 | Performance, Regulation and Supervision of Finance Companies (FCs) | How do the shares of finance company investment going to housing, financial corporations and consumer finance compare at end June 2025? | Housing received the largest of the three at 16.68 percent, more than double the 7.07 percent going to financial corporations and about five times the 3.29 percent going to consumer finance. | Para 8.06: "housing 16.68 percent; financial corporations 7.07 percent ... consumer finance 3.29 percent". Chart 8.01: Housing 16.68%, Financial Corporation 7.07%, Consumer Finance 3.29%. | Comparison | Text + Chart | Medium | 80 |
chapter_8-q31 | 31 | Chapter 8 | Performance, Regulation and Supervision of Finance Companies (FCs) | What was the sector-wise breakdown of finance companies' investment as of 30 June 2025, and where does that breakdown come from? | Chart 8.01 (Investment Patterns of FCs) is a doughnut chart showing the sector-wise composition of FCs' investment across nine sectors — Trade and Commerce, Industry, Agriculture, Mining & Quarrying, Housing, Financial Corporation, Service, Consumer Finance and Others. The source is the Department of Financial Institut... | Chart 8.01 (Investment Patterns of FCs): legend lists Trade and Commerce (15.04%), Industry (48.25%), Agriculture (2.04%), Mining & Quarrying (0.07%), Housing (16.68%), Financial Corporation (7.07%), Service (6.09%), Consumer Finance (3.29%), Others (1.48%); "* As on 30 June 2025. Source: Department of Financial Instit... | Evidence Retrieval | Chart Only | Medium | 80 |
chapter_8-q32 | 32 | Chapter 8 | Performance, Regulation and Supervision of Finance Companies (FCs) | What sector does the narrative description of finance companies' investment mix leave out compared to the fuller sector-wise breakdown reported for it? | Paragraph 8.06 lists eight sectors (trade and commerce, industry, agriculture, housing, financial corporations, service, consumer finance and others), while Chart 8.01 shows nine — it additionally breaks out 'Mining & Quarrying' at 0.07 percent, which the paragraph does not mention separately. | Para 8.06: "trade and commerce 15.04 percent; industry 48.25 percent; agriculture 2.04 percent; housing 16.68 percent; financial corporations 7.07 percent; service 6.09 percent; consumer finance 3.29 percent; and others 1.48 percent (Chart 8.01)." Chart 8.01 legend: Trade and Commerce (15.04%), Industry (48.25%), Agric... | Evidence Retrieval | Text + Chart | Medium | 80 |
chapter_8-q33 | 33 | Chapter 8 | Performance, Regulation and Supervision of Finance Companies (FCs) | What does the sector distribution of finance companies' investment imply about concentration risk? | FC investment is highly concentrated: industry alone accounts for 48.25 percent, and the top three sectors (industry, housing and trade and commerce) together make up about 79.97 percent. This means FCs' loan books are heavily exposed to the fortunes of a few sectors — especially industry — so a downturn there would hi... | Chart 8.01 (Investment Patterns of FCs): Industry 48.25%, Housing 16.68%, Trade and Commerce 15.04%, Financial Corporation 7.07%, Service 6.09%, Consumer Finance 3.29%, Agriculture 2.04%, Others 1.48%, Mining & Quarrying 0.07%. Industry + Housing + Trade and Commerce = 79.97%. | Multi-hop Reasoning | Chart Only | Hard | 80 |
chapter_8-q34 | 34 | Chapter 8 | Performance, Regulation and Supervision of Finance Companies (FCs) | How exposed are finance companies' balance sheets to industrial lending? | Loans and leases made up 73.74 percent of FCs' total assets as of end June 2025, and within that investment portfolio industry was by far the largest sector at 48.25 percent. So roughly a third of all FC assets (about 0.7374 x 0.4825) are industrial loans and leases, making the sector's health highly dependent on indus... | Chart 8.01: Industry = 48.25% of FCs' investment. Para 8.06: "their investments are mostly concentrated in the industrial sector." Para 8.12: "In the total asset composition of all FCs, the share of loans/leases was 73.74 percent as of end June 2025 ... At end June 2025, the NPL for FCs was 35.72 percent." | Multi-hop Reasoning | Text + Chart | Medium | 80-81 |
chapter_8-q35 | 35 | Chapter 8 | Performance, Regulation and Supervision of Finance Companies (FCs) | If industrial exposure is 48.25 percent of finance companies' loan/lease portfolio, approximately how much of the end-June-2025 loan/lease book of BDT 770.92 billion was industrial? | Approximately BDT 371.97 billion (48.25 percent of BDT 770.92 billion), assuming the sector-wise investment shares in Chart 8.01 apply to the loan/lease portfolio. | Chart 8.01: Industry = 48.25% of FCs' investment. Table 8.03 (Trends in Total loan/lease and Classified Loan/Lease, in billion BDT), Loan/lease row, 2025* = 770.92. Calculation: 770.92 x 0.4825 = 371.97. | Fact Extraction | Table + Chart | Hard | 80-81 |
chapter_8-q36 | 36 | Chapter 8 | Performance, Regulation and Supervision of Finance Companies (FCs) | What was the largest sector in finance companies' investment at end June 2025, and what were the sector's total assets at that date? | Industry was the largest sector at 48.25 percent of FCs' investment, and the FC sector's total assets as on 30 June 2025 were BDT 1,045.51 billion. | Chart 8.01 (Investment Patterns of FCs): Industry: 48.25%. Table 8.02, 2025* column: Total assets = 1045.51 (in billion BDT). | Fact Extraction | Table + Chart | Medium | 80 |
chapter_8-q37 | 37 | Chapter 8 | Performance, Regulation and Supervision of Finance Companies (FCs) | How does the share of finance company investment going to industry compare with the share of deposits in their total liabilities as of 30 June 2025? | Industry accounted for 48.25 percent of FCs' investment, while deposits made up only 43.97 percent of FCs' total liabilities — so FCs' single largest asset-side exposure is larger than their reliance on deposit funding. | Chart 8.01: Industry = 48.25% of FCs' investment. Table 8.02, 2025* column: Deposit as % of total liabilities = 43.97. | Comparison | Table + Chart | Medium | 80 |
chapter_8-q38 | 38 | Chapter 8 | Performance, Regulation and Supervision of Finance Companies (FCs) | How does the concentration of finance companies' investment in industry compare with the share of their loan/lease book that is classified as of end June 2025? | Industry made up 48.25 percent of FCs' investment while classified loans/leases made up 35.72 percent of the total loan/lease book (BDT 275.41 billion of BDT 770.92 billion) as of end June 2025 — a heavy single-sector concentration alongside a very high non-performing ratio. | Chart 8.01: Industry = 48.25% of FCs' investment. Table 8.03, 2025* column: Loan/lease = 770.92, Classified loan/lease = 275.41, Classified loan/lease as % of total loan/lease = 35.72. | Comparison | Table + Chart | Hard | 80-81 |
chapter_8-q39 | 39 | Chapter 8 | Performance, Regulation and Supervision of Finance Companies (FCs) | Assuming the sector-wise investment mix applies, what would the industrial share of finance companies' classified loans/leases be at end June 2025? | If industry's 48.25 percent share of the investment mix applied to the BDT 275.41 billion of classified loans/leases, industrial classified loans would be roughly BDT 132.88 billion (48.25 percent of BDT 275.41 billion). | Chart 8.01: Industry = 48.25% of FCs' investment. Table 8.03, 2025* column: Classified loan/lease = 275.41 (in billion BDT). Calculation: 275.41 x 0.4825 = 132.88. | Numerical Calculation | Table + Chart | Hard | 80-81 |
chapter_8-q40 | 40 | Chapter 8 | Performance, Regulation and Supervision of Finance Companies (FCs) | How does sectoral concentration in finance companies' investment relate to the sector's asset quality and profitability? | FCs concentrate their investment in industry (48.25 percent, with the top three sectors near 80 percent), so the sector is highly exposed to a narrow set of borrowers. Over 2019-2025 the classified loan/lease ratio climbed from 9.53 percent to 35.72 percent (with classified loans rising from BDT 63.99 billion to BDT 27... | Chart 8.01: Industry 48.25%, top three sectors (Industry + Housing + Trade and Commerce) = 79.97%. Table 8.03, Classified loan/lease as % of total loan/lease: 2019 = 9.53, 2025* = 35.72; Classified loan/lease: 2019 = 63.99, 2025* = 275.41. Table 8.04, 2025* column: ROE = 2.07, ROA = -3.03. Para 8.13: "ROE has been calc... | Multi-hop Reasoning | Table + Chart | Hard | 80-81 |
chapter_8-q41 | 41 | Chapter 8 | Performance, Regulation and Supervision of Finance Companies (FCs) | What provisioning rates must finance companies keep against each of the five asset classification categories? | 1.00 percent for standard assets (0.25 percent for the CMSME sector), 5.00 percent for special mention accounts, 20.00 percent for sub-standard, 50.00 percent for doubtful, and 100.00 percent for bad/losses. | Para 8.20: "Assets are classified as standard, special mention accounts, sub-standard, doubtful and bad/losses, requiring FCs to keep provisions by 1.00 percent (0.25 percent for CMSME sector), 5.00 percent, 20.00 percent, 50.00 percent and 100.00 percent, respectively." | Comparison | Text Only | Medium | 82 |
chapter_8-q42 | 42 | Chapter 8 | Performance, Regulation and Supervision of Finance Companies (FCs) | What were the total loan/lease, classified loan/lease, and classified ratio for finance companies as of 30 June 2025? | Total loan/lease was BDT 770.92 billion, classified loan/lease was BDT 275.41 billion, and classified loan/lease as a percentage of total loan/lease was 35.72 percent. | Table 8.03 (Trends in Total loan/lease and Classified Loan/Lease, in billion BDT), 2025* column: Loan/lease = 770.92, Classified loan/lease = 275.41, Classified loan/lease as % of total loan/lease = 35.72. Note: * As on 30 June 2025. | Fact Extraction | Table Only | Medium | 81 |
chapter_8-q43 | 43 | Chapter 8 | Performance, Regulation and Supervision of Finance Companies (FCs) | What was the NPL ratio for FCs at end June 2025, and what were the corresponding loan/lease and NPL amounts? | The NPL ratio for FCs was 35.72 percent at end June 2025, with total outstanding loan/lease of BDT 770.92 billion and NPL of BDT 275.41 billion. | Para 8.12: "At end June 2025, the NPL for FCs was 35.72 percent." Para 8.20: "At end June 2025, the total outstanding loan/lease was BDT 770.92 billion, of which NPL was BDT 275.41 billion (35.72 percent of total loan/lease, Table 8.03)." Table 8.03, 2025* column: Loan/lease = 770.92, Classified loan/lease = 275.41, ra... | Fact Extraction | Text + Table | Medium | 81-82 |
chapter_8-q44 | 44 | Chapter 8 | Performance, Regulation and Supervision of Finance Companies (FCs) | Compare the classified loan/lease ratio of FCs in 2019 with that as on 30 June 2025, and the corresponding growth in the classified loan/lease amount. | The classified loan/lease ratio rose from 9.53 percent in 2019 to 35.72 percent as on 30 June 2025, while the classified loan/lease amount rose more than four-fold, from BDT 63.99 billion to BDT 275.41 billion. | Para 8.12: "At end June 2025, the NPL for FCs was 35.72 percent." Table 8.03: Classified loan/lease as % of total loan/lease 2019 = 9.53, 2025* = 35.72; Classified loan/lease 2019 = 63.99, 2025* = 275.41 (in billion BDT). | Comparison | Text + Table | Hard | 81 |
chapter_8-q45 | 45 | Chapter 8 | Performance, Regulation and Supervision of Finance Companies (FCs) | How has the classified loan/lease ratio of finance companies trended from 2019 through mid-2025? | The classified loan/lease ratio rose every year, from 9.53 percent in 2019 to 15.03 percent (2020), 19.33 percent (2021), 23.88 percent (2022), 27.65 percent (2023), 33.15 percent (2024) and 35.72 percent as on 30 June 2025. | Table 8.03, Classified loan/lease as % of total loan/lease row: 2019 = 9.53, 2020 = 15.03, 2021 = 19.33, 2022 = 23.88, 2023 = 27.65, 2024 = 33.15, 2025* = 35.72. | Trend Analysis | Table Only | Medium | 81 |
chapter_8-q46 | 46 | Chapter 8 | Performance, Regulation and Supervision of Finance Companies (FCs) | How has the classified loan/lease amount of finance companies trended from 2019 through mid-2025? | The classified loan/lease amount rose continuously, from BDT 63.99 billion in 2019 to BDT 100.59 billion (2020), BDT 130.17 billion (2021), BDT 168.21 billion (2022), BDT 199.51 billion (2023), BDT 247.11 billion (2024) and BDT 275.41 billion as on 30 June 2025 — while total loan/lease grew only modestly from BDT 671.7... | Para 8.12: "The trends of the ratio of gross NPLs/leases to total loans/leases are shown in Table 8.03." Table 8.03: Classified loan/lease row: 2019 = 63.99, 2020 = 100.59, 2021 = 130.17, 2022 = 168.21, 2023 = 199.51, 2024 = 247.11, 2025* = 275.41; Loan/lease row: 2019 = 671.77, 2025* = 770.92 (in billion BDT). | Trend Analysis | Text + Table | Medium | 81 |
chapter_8-q47 | 47 | Chapter 8 | Performance, Regulation and Supervision of Finance Companies (FCs) | By how much did classified loan/lease of finance companies increase between 2019 and mid-2025? | By BDT 211.42 billion — from BDT 63.99 billion in 2019 to BDT 275.41 billion as on 30 June 2025. | Table 8.03, Classified loan/lease row: 2019 = 63.99, 2025* = 275.41 (in billion BDT). Calculation: 275.41 - 63.99 = 211.42. | Numerical Calculation | Table Only | Medium | 81 |
chapter_8-q48 | 48 | Chapter 8 | Performance, Regulation and Supervision of Finance Companies (FCs) | What's the state of finance companies' asset quality and profitability as of 30 June 2025? | Asset quality is severely impaired: classified loans/leases reached BDT 275.41 billion, or 35.72 percent of the BDT 770.92 billion loan/lease book, after rising every year since 2019. Profitability is negative and worsening at the asset level — ROA fell to negative 3.03 percent as on 30 June 2025 (from negative 2.46 pe... | Table 8.03, 2025* column: Loan/lease = 770.92, Classified loan/lease = 275.41, Classified loan/lease as % of total loan/lease = 35.72. Table 8.04, ROA row: 2024 = -2.46, 2025* = -3.03; ROE row: 2024 = 1.98, 2025* = 2.07. Para 8.13: "Industry ROA and ROE at end June, 2025 were -3.03 and 2.07, respectively ... ROE has be... | Multi-hop Reasoning | Text + Table | Hard | 81 |
chapter_8-q49 | 49 | Chapter 8 | Performance, Regulation and Supervision of Finance Companies (FCs) | What were the return on equity (ROE) and return on assets (ROA) of finance companies as of 30 June 2025? | ROE was 2.07 percent and ROA was negative 3.03 percent as on 30 June 2025. | Table 8.04 (Trends in Profitability of FCs, in percent), 2025* column: Return on equity (ROE) = 2.07, Return on asset (ROA) = -3.03. Note: * As on 30 June 2025. | Fact Extraction | Table Only | Medium | 81 |
chapter_8-q50 | 50 | Chapter 8 | Performance, Regulation and Supervision of Finance Companies (FCs) | How do the ROE and ROA of finance companies compare as of 30 June 2025, and what does the divergence between them reflect? | ROE was a positive 2.07 percent while ROA was a negative 3.03 percent as on 30 June 2025. The two diverge because ROE is calculated on only the 17 FCs that have positive equity, whereas ROA covers the whole sector — so ROE understates the sector-wide losses. | Table 8.04, 2025* column: Return on equity (ROE) = 2.07, Return on asset (ROA) = -3.03. Para 8.13: "Industry ROA and ROE at end June, 2025 were -3.03 and 2.07, respectively Table 8.04. ROE has been calculated considering 17 FCs having positive equity." | Comparison | Table Only | Medium | 81 |
chapter_8-q51 | 51 | Chapter 8 | Performance, Regulation and Supervision of Finance Companies (FCs) | Compare the return on equity (ROE) of FCs in 2023, 2024 and as on 30 June 2025. | ROE was deeply negative at negative 52.30 percent in 2023, then turned positive to 1.98 percent in 2024 and 2.07 percent as on 30 June 2025 — though the recent positive figures reflect only the 17 FCs with positive equity. | Para 8.13: "Industry ROA and ROE at end June, 2025 were -3.03 and 2.07, respectively ... ROE has been calculated considering 17 FCs having positive equity." Table 8.04, Return on equity (ROE) row: 2023 = -52.30, 2024 = 1.98, 2025* = 2.07. | Comparison | Text + Table | Medium | 81 |
chapter_8-q52 | 52 | Chapter 8 | Performance, Regulation and Supervision of Finance Companies (FCs) | How has the return on equity (ROE) of finance companies trended from 2019 through mid-2025? | ROE was negative 25.2 percent in 2019, improved to around negative 2 to negative 3 percent in 2020-2021, deteriorated sharply to negative 19.26 percent in 2022 and negative 52.30 percent in 2023, then turned positive at 1.98 percent in 2024 and 2.07 percent as on 30 June 2025. | Table 8.04, Return on equity (ROE) row: 2019 = -25.2, 2020 = -1.99, 2021 = -2.79, 2022 = -19.26, 2023 = -52.30, 2024 = 1.98, 2025* = 2.07 (in percent). | Trend Analysis | Table Only | Medium | 81 |
chapter_8-q53 | 53 | Chapter 8 | Performance, Regulation and Supervision of Finance Companies (FCs) | How have finance companies' asset quality and asset-level profitability trended together from 2019 through mid-2025? | The two deteriorated together. The classified loan/lease ratio climbed every year, from 9.53 percent (2019) to 35.72 percent (30 June 2025). Over the same span ROA stayed negative throughout — negative 2.56 percent (2019), briefly near zero in 2020-2021, then negative 1.27 percent (2022), negative 0.72 percent (2023), ... | Table 8.03, Classified loan/lease as % of total loan/lease row: 2019 = 9.53, 2020 = 15.03, 2021 = 19.33, 2022 = 23.88, 2023 = 27.65, 2024 = 33.15, 2025* = 35.72. Table 8.04, Return on asset (ROA) row: 2019 = -2.56, 2020 = -0.19, 2021 = -0.23, 2022 = -1.27, 2023 = -0.72, 2024 = -2.46, 2025* = -3.03. | Trend Analysis | Text + Table | Hard | 81 |
chapter_8-q54 | 54 | Chapter 8 | Performance, Regulation and Supervision of Finance Companies (FCs) | What share of the finance company sector was in weak condition around end-2024 to mid-2025? | At end December 2024, of the 35 FCs the composite CAMELS rating put 9 at '4 or Marginal' and 10 at '5 or Unsatisfactory' — 19 FCs, more than half, in the two weakest categories (with 3 more still under process). Consistently, by end June 2025 only 17 of the 35 FCs had positive equity. | Para 8.16: "At end December 2024, out of 35 FCs, the composite CAMELS rating of 9 were '2 or Satisfactory', 4 were '3 or Fair', 9 were '4 or Marginal', 10 were '5 or Unsatisfactory', while 3 are still under process." Para 8.13: "ROE has been calculated considering 17 FCs having positive equity." | Multi-hop Reasoning | Text Only | Medium | 81 |
chapter_8-q55 | 55 | Chapter 8 | Performance, Regulation and Supervision of Finance Companies (FCs) | Compare the statutory liquidity ratio (SLR) requirement for FCs that take term deposits with that for FCs operating without term deposits. | FCs with term liabilities must maintain an SLR of 5.00 percent (inclusive of an average 1.50 percent CRR, with at least 1.00 percent each day, maintained bi-weekly), while FCs operating without taking term deposits must maintain an SLR of 2.50 percent. | Para 8.14: "Term liabilities are subject to a SLR of 5.00 percent, inclusive of an average of 1.50 percent (at least 1.00 percent each day) CRR bi-weekly. The SLR for FCs operating without taking term deposits is 2.50 percent." | Comparison | Text Only | Medium | 81 |
chapter_8-q56 | 56 | Chapter 8 | Performance, Regulation and Supervision of Finance Companies (FCs) | Since when have all FCs carried out stress testing on a quarterly basis? | All FCs have carried out stress testing on a quarterly basis since 30 June 2012, using the methodology and perspectives provided by Bangladesh Bank. | Para 8.23: "All FCs have been carried out stress testing on a quarterly basis since 30 June 2012 using the stress testing methodology and perspectives provided by BB." | Evidence Retrieval | Text Only | Easy | 83 |
chapter_8-q57 | 57 | Chapter 8 | Performance, Regulation and Supervision of Finance Companies (FCs) | How many inspections of each type did Bangladesh Bank's Financial Institutions Inspection Department (FIID) conduct on finance companies in FY25? | In FY25 FIID conducted 25 head office comprehensive inspections of FCs, 1 branch comprehensive inspection, 17 core risk inspections, 38 FICL inspections (Quick Summary Report) and 20 special inspections. | Para 8.24: "During FY25, BB's Financial Institutions Inspection Department (FIID) has conducted a total of 25 comprehensive inspections on head offices of FCs. Details of the inspection conducted by the department are shown in Table 8.05." Table 8.05 (Inspections Conducted by FIID in FY25): Head office comprehensive in... | Evidence Retrieval | Text + Table | Medium | 83 |
chapter_8-q58 | 58 | Chapter 8 | Performance, Regulation and Supervision of Finance Companies (FCs) | How did the cost of funds of FCs change between June 2024 and June 2025? | The cost of funds of FCs rose from 8.54 percent in June 2024 to 9.06 percent in June 2025. | Para 8.26: "The cost of funds of FCs in June 2024 was 8.54 percent, although it increased to 9.06 percent in June 2025." | Comparison | Text Only | Medium | 84 |
chapter_8-q59 | 59 | Chapter 8 | Performance, Regulation and Supervision of Finance Companies (FCs) | By how many percentage points did the cost of funds of FCs increase between June 2024 and June 2025? | By 0.52 percentage points — from 8.54 percent to 9.06 percent. | Para 8.26: "The cost of funds of FCs in June 2024 was 8.54 percent, although it increased to 9.06 percent in June 2025." Calculation: 9.06 - 8.54 = 0.52. | Numerical Calculation | Text Only | Easy | 84 |
chapter_8-q60 | 60 | Chapter 8 | Performance, Regulation and Supervision of Finance Companies (FCs) | Finance companies' total capital market investment of BDT 52.59 billion is reported to have accounted for 5.03 percent of their total assets as of 30 June 2025 — does that check out against the total assets figure reported for that date? | Dividing BDT 52.59 billion by 0.0503 implies total FC assets of about BDT 1,045.5 billion, which matches the BDT 1,045.51 billion total assets reported for 2025 in Table 8.02. | Para 8.07: "As of 30 June 2025, total investment of FCs in the capital market stood at BDT 52.59 billion, which accounted for 5.03 percent of the total assets of all FCs." Table 8.02 (Trends in Assets, Liabilities and Deposits of FCs), Total assets row, 2025* = 1045.51 (in billion BDT). Calculation: 52.59 / 0.0503 = 1,... | Numerical Calculation | Text + Table | Hard | 80-82 |
chapter_9-q1 | 1 | Chapter 9 | Financial Market | During FY25, how many times was the policy (repo) rate raised, by how much in total, and where did it settle? | The policy (repo) rate was raised three times in FY25, by a total of 150 basis points, and settled at 10.00 percent; the interest rate corridor (IRC) was also narrowed to plus or minus 150 bps. | Market Highlights, FY25: "To curb higher inflation, the policy rate (repo rate) was raised thrice with a total of 150 basis points (bps). Besides, IRC was narrowed down to ± 150 bps." Para 9.04: "The repo rate was changed thrice with an increase of 150 bps, and settled at 10.00 percent during FY25." Table 9.02 (Repo Au... | Fact Extraction | Text + Table | Easy | 85-86 |
chapter_9-q2 | 2 | Chapter 9 | Financial Market | What were the average volume of trade and the average weighted average interest rate in the call money market in FY24 and FY25? | The average volume of trade was BDT 900.3 billion in FY24 and BDT 767.1 billion in FY25; the average weighted average interest rate was 7.7 percent in FY24 and 9.8 percent in FY25. | Table 9.01 (Volume of Trade and Weighted Average Interest Rates in Call Money Market), Average row: FY24 Volume = 900.3, FY24 WAIR = 7.7; FY25 Volume = 767.1, FY25 WAIR = 9.8. | Fact Extraction | Table Only | Easy | 85 |
chapter_9-q3 | 3 | Chapter 9 | Financial Market | What was the range of the weighted average call money interest rate in FY25? | The weighted average call money interest rate ranged from 8.8 percent to 10.14 percent in FY25. | Para 9.03: "Weighted average call money interest rate exhibited a significant rise in this financial year, ranging from 8. 8 percent to 10.14 percent in FY25." Table 9.01, FY25 Weighted average interest rates (%) column: 8.8 (July) rising to 10.1 by year-end, Average = 9.8. | Fact Extraction | Text + Table | Easy | 86 |
chapter_9-q4 | 4 | Chapter 9 | Financial Market | How many repo auctions were held in FY25, how much was accepted, and at what interest rates? | A total of 233 repo auctions were held in FY25, in which 19,739 bids for BDT 21,687.0 billion were accepted, at interest rates on accepted bids ranging from 8.50 to 11.50 percent per annum. | Para 9.04: "In FY25, a total of 233 repo auctions were held, while 19739 bids for BDT 21687.0 billion were accepted (Table 9.02). The interest rate of accepted bids ranged from 8.50 to11.50 percent per annum in FY25." Table 9.02 (Repo Auctions in FY25), Total row: Bids accepted Number = 19739, Face value = 21687.0, Int... | Fact Extraction | Text + Table | Medium | 86 |
chapter_9-q5 | 5 | Chapter 9 | Financial Market | How many Standing Deposit Facility (SDF) auctions were held in FY25, how much was accepted, and at what interest rates? | 221 SDF auctions were held in FY25, in which 930 bids for BDT 41,246.3 billion were accepted, at interest rates of 7.00 to 8.50 percent. | Table 9.03 (Standing Deposit Facility (SDF) Auctions in FY25): Total auctions held during the year = 221, Tenure = 1-Day, Bids accepted Number = 930, Face value = 41246.3, Interest rate of the accepted bids (%) = 7.00-8.50. | Fact Extraction | Table Only | Easy | 86 |
chapter_9-q6 | 6 | Chapter 9 | Financial Market | What was the total face value of government treasury bill bids accepted in FY25, and the total outstanding bills as of end June 2025? | The total face value of treasury bill bids accepted was BDT 4,016.7 billion, and total outstanding bills as of end June 2025 were BDT 2,576.8 billion. | Table 9.04 (Auctions of Government Treasury Bills in FY25), Total row: Bids accepted Number = 25087, Face value = 4016.7; Outstanding bills as of end June 2025 = 2576.8 (in billion BDT). | Fact Extraction | Table Only | Easy | 87 |
chapter_9-q7 | 7 | Chapter 9 | Financial Market | What was the total face value of Bangladesh Government Treasury Bond bids accepted in FY25, the outstanding bonds as of end June 2025, and the range of weighted average annual yield? | The total face value of BGTB bids accepted was BDT 1,652.6 billion, outstanding bonds as of end June 2025 were BDT 5,185.9 billion, and the range of annual weighted average yield was 10.2334 to 12.7393 percent. | Table 9.05 (Auctions of Bangladesh Government Treasury Bonds, FY25), Total row: Bids accepted Number = 14203, Face value = 1652.6; Outstanding bonds as of end June 2025 = 5185.9; The range of annual weighted average yield (%) = 10.2334-12.7393*. | Fact Extraction | Table Only | Easy | 88 |
chapter_9-q8 | 8 | Chapter 9 | Financial Market | In FY25, how many BGTB bids were received and accepted, and by how much did outstanding treasury bonds increase? | A total of 19,665 bids for BDT 4,914.7 billion were received, of which 14,203 bids for BDT 1,652.6 billion were accepted; outstanding bonds increased by BDT 1,107.6 billion and stood at BDT 5,185.9 billion at end FY25. | Para 9.13: "In FY25, a total of 19665 bids for BDT 4914.7 billion were received, of which 14203 bids for BDT 1652.6 billion were accepted from banks and non-banks ... Outstanding bonds increased by BDT 1107.6 billion and stood at BDT 5185.9 billion at end FY25." Table 9.05, Total row: Bids offered Number = 19665, Face ... | Fact Extraction | Text + Table | Medium | 88 |
chapter_9-q9 | 9 | Chapter 9 | Financial Market | How did the sale of, and financing against, the Bangladesh Government Islamic Investment Bond (BGIIB) change from FY24 to FY25? | The amount of BGIIB sold rose to BDT 174.2 billion in FY25 from BDT 126.7 billion in FY24, and financing against the BGIIB fund rose to BDT 140.4 billion at end FY25 from BDT 125.9 billion in FY24. | Para 9.15: "The amount sold stood at BDT 174.2 billion in FY25, from BDT 126.7 billion in FY24. Financing against BGIIB fund also went up notably to BDT 140.4 billion at end FY25, compared to BDT 125.9 billion in FY24, implying higher demand for funds by the Islamic banks." | Fact Extraction | Text Only | Medium | 89 |
chapter_9-q10 | 10 | Chapter 9 | Financial Market | What was the net balance against the BGIIB as of end June 2025, and how did it compare with end June 2024? | The net balance against BGIIB increased to BDT 33.8 billion as of end June 2025, from BDT 0.8 billion at end June 2024, because of both higher sales and higher financing of the fund. | Para 9.15: "As of end June 2025, net balance against BGIIB increased to BDT 33.8 billion from BDT 0.8 billion at end June 2024, because of both higher sales and financing of the fund." | Fact Extraction | Text Only | Easy | 89 |
chapter_9-q11 | 11 | Chapter 9 | Financial Market | When was the Bangladesh Government Investment Sukuk (BGIS) bond introduced, and what was the outstanding amount of Sukuk at the end of June 2025? | The BGIS bond was introduced in FY21; so far six Sukuk bonds under Ijarah and Istisna'a mode have been issued, and after a new BDT 50.0 billion BGIS auction in FY25, the outstanding amount of Sukuk rose to BDT 240.0 billion at the end of June 2025. | Para 9.16: "the Bangladesh Government Investment Sukuk (BGIS) bond was introduced in FY21. So far, six Sukuk (BGIS) bonds under Ijarah and Istisna'a mode have been issued ... With a new auction of BDT 50.0 billion BGIS held in FY25, the outstanding amount of Sukuk raised to BDT 240.0 billion at the end of June 2025." | Fact Extraction | Text Only | Easy | 89-90 |
chapter_9-q12 | 12 | Chapter 9 | Financial Market | What were the market capitalisation, turnover in value and DSE Broad Index (DSEX) of the Dhaka Stock Exchange at end June FY25? | Market capitalisation was BDT 6,622.7 billion, turnover in value was BDT 1,110.4 billion, and the DSEX stood at 4,838.4 at end June FY25. | Table 9.07 (Activities of Dhaka Stock Exchange (DSE)), FY25 (End June) column: Market capitalisation (Billion BDT) = 6622.7, Turnover in value (Billion BDT) = 1110.4, Turnover in volume (no. in Billion) = 40.7, DSE Broad Index (DSEX) = 4838.4. | Fact Extraction | Table Only | Easy | 92 |
chapter_9-q13 | 13 | Chapter 9 | Financial Market | By how much did the DSEX and the CSE all-share price index (CASPI) fall in FY25? | The DSEX fell by 9.2 percent to 4,838.4 and the CASPI showed a 10.8 percent decline to 13,438.4 in FY25. | Para 9.21: "DSEX experienced a fall by 9.2 percent to 4838.4, and in CSE the all-share price index (CASPI) showed a 10.8 percent decline to 13438.4 in FY25." Table 9.07, DSE Broad Index (DSEX): FY24 = 5328.4, FY25 = 4838.4. Table 9.08, All-share Price Index (CASPI): FY24 = 15066.8, FY25 = 13438.4. | Fact Extraction | Text + Table | Medium | 91-92 |
chapter_9-q14 | 14 | Chapter 9 | Financial Market | Which sector had the largest share of total advances in FY25? | Trade and Commerce had the largest share at 33.9 percent. | Chart 9.03 (Sector-wise Shares of Total Advances in FY25): Trade & Commerce 33.9%, Industry 22.3%, Working Capital Financing 20.0%, Others 11.7%, Construction 7.2%, Agriculture Fishing and Foresty 4.3%, Transport 0.6%. "Source: Statistics Department, Bangladesh Bank." | Fact Extraction | Chart Only | Easy | 93 |
chapter_9-q15 | 15 | Chapter 9 | Financial Market | What were the sector-wise shares of total credit (advances) in FY25? | Trade and commerce 33.9 percent, industry 22.3 percent, working capital 20.0 percent, other sectors 11.7 percent, construction 7.2 percent, agriculture, fishing and forestry 4.3 percent, and transport 0.6 percent. | Para 9.27: "the trade and commerce sector contributed the most (33.9 percent) (Chart 9.03) ... followed by industry (22.3 percent), working capital (20.0 percent), other sectors (11.7 percent), construction (7.2 percent), agriculture, fishing and forestry (4.3 percent), and transport (0.6 percent)." Chart 9.03 shows th... | Fact Extraction | Text + Chart | Easy | 93 |
chapter_9-q16 | 16 | Chapter 9 | Financial Market | How did disbursement, recovery and outstanding of industrial term loans by banks and finance companies change in FY25? | Disbursement increased by 7.3 percent to BDT 1,057.6 billion, recoveries increased by 11.2 percent to BDT 1,181.5 billion, and outstanding industrial term loans increased by 11.8 percent to BDT 4,174.8 billion; overdue loans rose 32.0 percent and reached 21.7 percent of outstanding at end June 2025. | Para 9.28: "Disbursement of industrial term loans by banks and finance companies (FCs) increased by 7.3 percent to BDT 1057.6 billion in FY25 ... recoveries increased by 11.2 percent to BDT 1181.5 billion in FY25 ... outstanding industrial term loans increased by 11.8 percent and stood at BDT 4174.8 billion in FY25. Ov... | Fact Extraction | Text + Table | Medium | 93-94 |
chapter_9-q17 | 17 | Chapter 9 | Financial Market | What happened to the BDT-USD exchange rate and foreign exchange reserves in FY25? | The exchange rate depreciated by 3.9 percent in FY25 and stood at BDT 122.8 per USD at end June 2025, and foreign exchange reserves increased to USD 31.8 billion (equivalent to 5.2 months of imports of goods and services) at end June 2025. | Para 9.39: "the exchange rate depreciated by 3.9 percent in FY25 and stood at BDT 122.8 at end June 2025 (Chart 9.05)." Para 9.40: "foreign exchange reserves increased markedly to USD 31.8 billion (equivalent to 5.2 months of imports of goods and services) at end June 2025." Chart 9.05 (BDT-USD Exchange Rates Movement ... | Fact Extraction | Text + Chart | Medium | 95-96 |
chapter_9-q18 | 18 | Chapter 9 | Financial Market | What role did PCBs play in industrial term loans at end June 2025? | PCBs dominated: they held a 72.2 percent share of outstanding industrial term loans (BDT 3,014.0 billion of the BDT 4,174.8 billion total) and disbursed the largest amount (BDT 852.3 billion) in FY25. Chart 9.04 shows the PCB bars for disbursement, recovery and outstanding towering over those of SCBs, FCBs, SBs and FIs... | Para 9.29: "Private commercial banks (PCBs) had a major share (72.2 percent) in outstanding industrial term loans at end June 2025 (Table 9.10 and Chart 9.04) ... As per disbursing credit, PCBs occupied the largest portion (BDT 852.3 billion) in FY25." Table 9.10, PCBs row: Disbursement FY25 = 852.3, Recovery FY25 = 96... | Fact Extraction | Table + Chart | Hard | 93-94 |
chapter_9-q19 | 19 | Chapter 9 | Financial Market | Compare the average volume of trade in the call money market in FY24 and FY25. | The average volume of trade fell from BDT 900.3 billion in FY24 to BDT 767.1 billion in FY25. | Table 9.01, Average row: FY24 Volume of trade = 900.3, FY25 Volume of trade = 767.1 (in billion BDT). | Comparison | Table Only | Easy | 85 |
chapter_9-q20 | 20 | Chapter 9 | Financial Market | Compare the weighted average call money interest rate in FY24 with that in FY25. | The weighted average call money rate rose significantly in FY25, ranging from 8.8 percent to 10.14 percent over the year. Chart 9.01 shows the FY25 line sitting well above the FY24 line for every month — FY24 ran from about 6.3 percent in July to a peak of about 9.4 percent in January, easing slightly to around 9.1 per... | Para 9.03: "Weighted average call money interest rate exhibited a significant rise in this financial year, ranging from 8. 8 percent to 10.14 percent in FY25." Table 9.01 (Volume of Trade and Weighted Average Interest Rates in Call Money Market), FY24 column: Jul=6.3, peaks at Jan=9.4, then Feb=9.3, Mar=8.7, Apr=8.8, M... | Comparison | Text + Chart | Easy | 85-86 |
chapter_9-q21 | 21 | Chapter 9 | Financial Market | By how much did the average volume of interbank trade in call money change in FY25 compared with FY24? | It reduced by BDT 133.2 billion, or 14.8 percent, in FY25 compared with FY24. | Para 9.03: "The average volume of interbank trade in call money reduced by BDT 133.2 billion in FY25 (14.8 percent lower than FY24)." Table 9.01, Average Volume of trade: FY24 = 900.3, FY25 = 767.1. | Comparison | Text + Table | Medium | 86 |
chapter_9-q22 | 22 | Chapter 9 | Financial Market | Compare the weighted average annual yield range of 91-day treasury bills in FY24 with FY25. | The weighted average annual yield range of 91-day treasury bills rose from 7.06-11.65 percent in FY24 to 10.21-11.99 percent in FY25. | Table 9.04, 91-Day row, Weighted average annual yield (WAR) range (%): FY24 = 7.06-11.65, FY25 = 10.21-11.99. | Comparison | Table Only | Medium | 87 |
chapter_9-q23 | 23 | Chapter 9 | Financial Market | How did the weighted average annual yields of treasury bills in FY25 compare with FY24? | Weighted average annual yields of treasury bills increased significantly in FY25 compared with FY24, implying a liquidity shortage in the money market; in FY25 the weighted average yield-to-maturity ranged from 10.0 to 12.1 percent, against FY24 ranges that started as low as 7.06 percent. | Para 9.11: "Weighted average annual yields of the treasury bill increased significantly in FY25 compared to FY24 (Table-9.04), implying liquidity shortage in the money-market ... The weighted average yield-to-maturity ranged from 10.0 to 12.1 percent during the period being discussed here." Table 9.04, Total row, WAR r... | Comparison | Text + Table | Medium | 88 |
chapter_9-q24 | 24 | Chapter 9 | Financial Market | Compare the total face value of BGTB bids offered with the total face value accepted in FY25. | Bids offered totalled BDT 4,914.7 billion while only BDT 1,652.6 billion was accepted — about a third of the amount offered. | Table 9.05, Total row: Bids offered Face value = 4914.7, Bids accepted Face value = 1652.6 (in billion BDT). | Comparison | Table Only | Medium | 88 |
chapter_9-q25 | 25 | Chapter 9 | Financial Market | Compare the overdue industrial term loans (as a percentage of outstanding) across bank categories at end June 2025. | At end June 2025 the overdue ratio was 89.3 percent for specialised banks (BKB, RAKUB), 28.7 percent for SCBs, 24.3 percent for finance companies, 20.0 percent for PCBs and just 6.4 percent for foreign banks. | Para 9.30: "Foreign banks had much lower overdue loans (6.4 percent of outstanding) at end June 2025 ... PCBs had also lower overdue loans (20.0 percent) compared to SCBs (28.7 percent), FCs (24.3 percent) and SBs (89.3 percent) at end June, 2025." Table 9.10, Overdue as % of outstanding, FY25 column: SCBs = 28.7%, PCB... | Comparison | Text + Table | Medium | 94 |
chapter_9-q26 | 26 | Chapter 9 | Financial Market | Compare the shares of Trade and Commerce, Industry and Working Capital Financing in total advances in FY25. | Trade and Commerce had the largest share at 33.9 percent, followed by Industry at 22.3 percent and Working Capital Financing at 20.0 percent. | Chart 9.03 (Sector-wise Shares of Total Advances in FY25): Trade & Commerce 33.9%, Industry 22.3%, Working Capital Financing 20.0%, Others 11.7%, Construction 7.2%, Agriculture Fishing and Foresty 4.3%, Transport 0.6%. | Comparison | Chart Only | Easy | 93 |
chapter_9-q27 | 27 | Chapter 9 | Financial Market | By loan size, which band accounted for the largest share of loans at end FY25, and which the smallest? | The largest band was loans of BDT 500 million and above at 30 percent, and the smallest was loans up to BDT 10 million at 23 percent; loans of BDT 100 million to BDT 500 million accounted for 25 percent and BDT 10 million to BDT 100 million for 22 percent. | Box 9.03, "Loan Classification: Size of Loans" pie: Up to BDT 10 million 23%, BDT 10 million to BDT 100 million 22%, BDT 100 million to BDT 500 million 25%, BDT 500 million and above 30%. Accompanying text: "the largest share (30 percent) was held by large loan accounts valued at BDT 500 million and above ... The remai... | Comparison | Chart Only | Medium | 97 |
chapter_9-q28 | 28 | Chapter 9 | Financial Market | Compare the market capitalisation and all-share price index (CASPI) of the Chittagong Stock Exchange in FY23 and FY25. | CSE market capitalisation fell from BDT 7,577.9 billion in FY23 to BDT 6,911.9 billion in FY25, and CASPI fell from 18,702.2 to 13,438.4 over the same period. | Table 9.08 (Activities of Chittagong Stock Exchange (CSE)): Market capitalisation (Billion BDT) FY23 = 7577.9, FY25 = 6911.9; All-share Price Index (CASPI) FY23 = 18702.2, FY25 = 13438.4. | Comparison | Text + Table | Medium | 92 |
chapter_9-q29 | 29 | Chapter 9 | Financial Market | Compare the FY25 decline in secondary-market turnover at the DSE with that at the CSE. | In FY25 turnover in the secondary market decreased by 25.9 percent at the DSE and by 45.0 percent at the CSE — a much steeper fall at the CSE. | Para 9.21: "In FY25, the amount of turnover in the secondary market both at DSE and CSE, decreased by 25.9 percent and 45.0 percent respectively." Table 9.07, Turnover in value (Billion BDT): FY24 = 1498.6, FY25 = 1110.4. Table 9.08, Turnover in value (Billion BDT): FY24 = 72.8, FY25 = 40.1. | Comparison | Text + Table | Medium | 91-92 |
chapter_9-q30 | 30 | Chapter 9 | Financial Market | Compare the DSEX and DSE market capitalisation at end December 2024 with their levels at end June 2025. | At end December 2024 the DSEX stood at 5,216.4 and market capitalisation at BDT 6,626.2 billion; by end June 2025 (Table 9.07, FY25) the DSEX had declined to 4,838.4 while market capitalisation was almost unchanged at BDT 6,622.7 billion. Chart 9.02 shows the DSEX line drifting down through the second half of FY25 whil... | Chart 9.02 (Trends in Market Behaviour of DSE) plots monthly Market Capitalisation and Turnover bars with the DSEX(RHS) line from Jul-24 to Jun-25; the DSEX line falls after December. Para 9.19 states the end-December-2024 readings of 5216.4 (DSEX) and BDT 6626.2 billion (market capitalisation). Table 9.07 (Activities ... | Comparison | Table + Chart | Hard | 90-92 |
chapter_9-q31 | 31 | Chapter 9 | Financial Market | Compare the overdue-loan burden of SCBs, PCBs and specialised banks in industrial term lending at end June 2025. | Specialised banks (BKB, RAKUB) had by far the worst overdue ratio at 89.3 percent of outstanding (BDT 5.0 billion overdue on BDT 5.6 billion outstanding), versus 28.7 percent for SCBs and 20.0 percent for PCBs. In absolute terms, though, PCBs carried the largest overdue amount (BDT 601.7 billion), reflecting their domi... | Table 9.10, FY25 columns: SCBs Outstanding = 751.9, Overdue = 216.0, Overdue % = 28.7%; PCBs Outstanding = 3014.0, Overdue = 601.7, Overdue % = 20.0%; Specialised banks (BKB, RAKUB) Outstanding = 5.6, Overdue = 5.0, Overdue % = 89.3%. Chart 9.04 shows PCBs' Disbursement/Recovery/Outstanding bars dwarfing the other lend... | Comparison | Table + Chart | Hard | 93-94 |
chapter_9-q32 | 32 | Chapter 9 | Financial Market | Compare the gross non-resident portfolio investment inflow through NITA in FY24 and FY25, and the corresponding gross outflow. | Gross inflow increased to BDT 25.0 billion in FY25 from BDT 19.1 billion in FY24, while gross outflow (sale proceeds and dividends) decreased to BDT 24.2 billion in FY25 from BDT 40.6 billion in FY24 — turning the flow roughly balanced. | Para 9.22: "Gross investment inflow in shares and securities listed on the stock exchanges by non-residents through Non-Resident Investor's Taka Account (NITA) increased to BDT 25.0 billion in FY25 from BDT 19.1 billion in FY24. Similarly, gross outflow as sale proceeds and dividends decreased to BDT 24.2 billion in FY... | Comparison | Text Only | Medium | 92 |
chapter_9-q33 | 33 | Chapter 9 | Financial Market | In FY25, compare the gross inflow of non-resident portfolio investment through NITA with the gross outflow. | In FY25 the gross inflow was BDT 25.0 billion and the gross outflow (sale proceeds and dividends) was BDT 24.2 billion, so inflow slightly exceeded outflow by about BDT 0.8 billion. | Para 9.22: "Gross investment inflow ... increased to BDT 25.0 billion in FY25 ... gross outflow as sale proceeds and dividends decreased to BDT 24.2 billion in FY25". | Comparison | Text Only | Easy | 92 |
chapter_9-q34 | 34 | Chapter 9 | Financial Market | Under the Grihayan Tahobil, compare the interest rate at which the fund lends to NGOs with the rate at which NGOs on-lend to the rural poor. | The fund lends to NGOs at a 1.5 percent simple interest rate, while NGOs disburse credit to the rural poor at a 5.5 percent simple interest rate — a 4.0 percentage point spread. | Para 9.36: "This fund provides loan facilities to NGOs at 1.5 percent simple interest rate for disbursing credit to the rural poor at 5.5 percent simple interest rate with a recovery period of maximum 7 years." | Comparison | Text Only | Medium | 95 |
chapter_9-q35 | 35 | Chapter 9 | Financial Market | How did the call money rate move over FY25 relative to FY24? | The FY25 weighted average call money rate started around 8.8 percent in July, climbed to about 10.0 percent by November-December and then held around 10.0-10.1 percent for the rest of the year, staying above the FY24 line in every month (FY24 ran from about 6.3 percent in July to a peak of about 9.4 percent in January,... | Chart 9.01 (Movements of Call Money Rate): two lines, "FY 24" and "FY 25", x-axis Jul to Jun; the FY 25 line rises from about 8.8 to about 10.1 and stays above the FY 24 line throughout, while the FY 24 line rises from about 6.3, peaks at about 9.4 in January, and eases to about 9.1 by June. "Source: Monetary Policy De... | Trend Analysis | Chart Only | Easy | 85 |
chapter_9-q36 | 36 | Chapter 9 | Financial Market | How did the BDT-USD exchange rate trend through FY25? | The BDT-USD end-month exchange rate rose from about 118 in July 2024 to roughly 120 from August through December 2024, stepped up to about 122 from January to April 2025, peaked near 123 in May 2025, and eased slightly to about 122.8 in June 2025. | Chart 9.05 (BDT-USD Exchange Rates Movement (End Month) in FY25): y-axis "BDT per USD" 117-123; x-axis Jul-24 to Jun-25; the line is near 118 (Jul-24), about 120 (Aug-24 to Dec-24), about 122 (Jan-25 to Apr-25), near 123 (May-25) and about 122.8 (Jun-25). "Source: Monetary Policy Department, Bangladesh Bank." | Trend Analysis | Chart Only | Medium | 96 |
chapter_9-q37 | 37 | Chapter 9 | Financial Market | How did the monthly weighted average call money interest rate trend through FY25? | The monthly weighted average rate rose from 8.8 percent in July and August, to 9.1 percent (September), 9.7 percent (October), 10.0 percent (November), and around 10.0-10.1 percent from December through June, easing only slightly to 9.9 percent in April. | Table 9.01, FY25 Weighted average interest rates (%) column: July = 8.8, August = 8.8, September = 9.1, October = 9.7, November = 10.0, December = 10.1, January = 10.1, February = 10.0, March = 10.0, April = 9.9, May = 10.1, June = 10.1; Average = 9.8. | Trend Analysis | Table Only | Medium | 85 |
chapter_9-q38 | 38 | Chapter 9 | Financial Market | How did treasury bill yields move from FY24 to FY25? | Treasury bill weighted average annual yields increased significantly across all tenors. For 91-day bills the range rose from 7.06-11.65 percent (FY24) to 10.21-11.99 percent (FY25); for 182-day bills from 7.13-11.80 to 10.03-12.04 percent; and for 364-day bills from 7.85-12.00 to 10.13-12.09 percent — a clear upward sh... | Para 9.11: "Weighted average annual yields of the treasury bill increased significantly in FY25 compared to FY24 (Table-9.04), implying liquidity shortage in the money-market." Table 9.04, WAR range (%): 91-Day FY24 = 7.06-11.65, FY25 = 10.21-11.99; 182-Day FY24 = 7.13-11.80, FY25 = 10.03-12.04; 364-Day FY24 = 7.85-12.... | Trend Analysis | Text + Table | Medium | 87-88 |
chapter_9-q39 | 39 | Chapter 9 | Financial Market | How did the DSE market trend during FY25? | In the first half of FY25 the DSE market capitalisation and the DSEX both moved up and down, with variability continuing into the latter half. At end December 2024 the DSEX and market capitalisation stood at 5,216.4 and BDT 6,626.2 billion, and they then declined to 4,838.4 and BDT 6,622.7 billion by end June 2025 — so... | Para 9.19: "In the first half of FY25, there were ups and downs in market capitalisation, while the DSE broad index (DSEX) showed a similar pattern. DSEX and market capitalisation also implied variability in the latter half of FY25. Accordingly, at end December 2024, DSEX and market capitalisation stood at 5216.4 and B... | Trend Analysis | Text + Chart | Medium | 90 |
chapter_9-q40 | 40 | Chapter 9 | Financial Market | How did scheduled banks' advances by economic purpose trend in FY25? | Advances of scheduled banks for economic purpose exhibited an upward trend: total advances rose 8.9 percent to BDT 17,390.8 billion at end June 2025 (from BDT 15,971.0 billion in FY24). Industry (+12.8 percent) and trade and commerce (+10.6 percent) grew fastest, while agriculture, fishing and forestry (+2.5 percent) a... | Para 9.26: "Advances of scheduled banks for economic purpose exhibited upward trend in FY25 (Table 9.09). At end June 2025, total advance was BDT 17390.8 billion, which was 8.9 percent higher than that in FY24. Major growth is seen in industry (12.8 percent), trade and commerce (10.6 percent) ... the agriculture, fishi... | Trend Analysis | Text + Table | Easy | 93 |
chapter_9-q41 | 41 | Chapter 9 | Financial Market | How did DSE market capitalisation, turnover in value and the DSEX trend from FY23 to FY25? | All three weakened over FY23-FY25. Market capitalisation fell from BDT 7,720.8 billion (FY23) to BDT 6,621.6 billion (FY24) and was flat at BDT 6,622.7 billion (FY25). Turnover in value fell steadily, from BDT 1,910.9 billion to BDT 1,498.6 billion to BDT 1,110.4 billion. The DSEX declined each year, from 6,344.1 to 5,... | Table 9.07: Market capitalisation (Billion BDT) FY23 = 7720.8, FY24 = 6621.6, FY25 = 6622.7; Turnover in value (Billion BDT) FY23 = 1910.9, FY24 = 1498.6, FY25 = 1110.4; DSE Broad Index (DSEX) FY23 = 6344.1, FY24 = 5328.4, FY25 = 4838.4. Chart 9.02 (Trends in Market Behaviour of DSE) plots monthly Market Capitalisation... | Trend Analysis | Table + Chart | Hard | 90-92 |
chapter_9-q42 | 42 | Chapter 9 | Financial Market | What did the rising call money rate in FY25 reflect? | It reflected persistent liquidity stress in the banking sector, alongside the tighter policy stance adopted by Bangladesh Bank. | Market Highlights, FY25: "The call money interest rates experienced a sharp increase in FY25. The rising call money rate reflected persistent liquidity stress in the banking sector, alongside the tighter policy stance adopted by BB." Para 9.03: "The rising call money rate reflected persistent liquidity stress in the ba... | Trend Analysis | Text Only | Easy | 85-86 |
chapter_9-q43 | 43 | Chapter 9 | Financial Market | By how much did the average volume of trade in the call money market change from FY24 to FY25? | It fell by BDT 133.2 billion — from BDT 900.3 billion in FY24 to BDT 767.1 billion in FY25. | Table 9.01, Average Volume of trade row: FY24 = 900.3, FY25 = 767.1 (in billion BDT). Calculation: 900.3 - 767.1 = 133.2. | Numerical Calculation | Table Only | Medium | 85 |
chapter_9-q44 | 44 | Chapter 9 | Financial Market | If outstanding treasury bonds increased by BDT 1,107.6 billion in FY25 to reach BDT 5,185.9 billion, what was the outstanding amount at the start of FY25? | About BDT 4,078.3 billion (5,185.9 - 1,107.6). | Para 9.13: "Outstanding bonds increased by BDT 1107.6 billion and stood at BDT 5185.9 billion at end FY25." Table 9.05, Total row, Outstanding bonds as of end June 2025 = 5185.9. Calculation: 5185.9 - 1107.6 = 4078.3. | Numerical Calculation | Text + Table | Medium | 88 |
chapter_9-q45 | 45 | Chapter 9 | Financial Market | By how much did the total advances of scheduled banks by economic purpose grow between FY24 and FY25? | By BDT 1,419.81 billion — from BDT 15,971.03 billion in FY24 to BDT 17,390.84 billion in FY25, a rise of 8.9 percent. | Table 9.09 (Advances of Scheduled Banks by Economic Purposes, in billion BDT), Grand Total row: FY24 = 15971.03, FY25(P) = 17390.84, % change = 8.9. Calculation: 17390.84 - 15971.03 = 1419.81. | Numerical Calculation | Table Only | Medium | 93 |
chapter_9-q46 | 46 | Chapter 9 | Financial Market | In FY25, by how much did recoveries of industrial term loans exceed disbursements? | By BDT 123.9 billion — recoveries were BDT 1,181.5 billion against disbursements of BDT 1,057.6 billion. | Para 9.28: "Disbursement of industrial term loans by banks and finance companies (FCs) increased by 7.3 percent to BDT 1057.6 billion in FY25 ... recoveries increased by 11.2 percent to BDT 1181.5 billion in FY25." Table 9.10, Total row: Disbursement FY25 = 1057.6, Recovery FY25 = 1181.5. Calculation: 1181.5 - 1057.6 =... | Numerical Calculation | Text + Table | Medium | 94 |
chapter_9-q47 | 47 | Chapter 9 | Financial Market | By how much did the DSE turnover in value fall from FY24 to FY25, and what percentage decline does that represent? | It fell by BDT 388.2 billion, from BDT 1,498.6 billion in FY24 to BDT 1,110.4 billion in FY25 — a decline of about 25.9 percent, matching the figure in paragraph 9.21. | Table 9.07, Turnover in value (Billion BDT): FY24 = 1498.6, FY25 = 1110.4. Para 9.21: "the amount of turnover in the secondary market both at DSE and CSE, decreased by 25.9 percent and 45.0 percent respectively." Calculation: 1498.6 - 1110.4 = 388.2; 388.2 / 1498.6 = 25.9 percent. | Numerical Calculation | Text + Table | Hard | 91-92 |
chapter_9-q48 | 48 | Chapter 9 | Financial Market | What share of total outstanding industrial term loans did PCBs hold at end June 2025? | About 72.2 percent — PCBs' outstanding of BDT 3,014.0 billion out of the industry total of BDT 4,174.8 billion. | Table 9.10, Outstanding FY25: PCBs = 3014.0, Total = 4174.8 (in billion BDT). Para 9.29: "Private commercial banks (PCBs) had a major share (72.2 percent) in outstanding industrial term loans at end June 2025." Chart 9.04 shows the PCBs Outstanding bar far above those of other lenders. Calculation: 3014.0 / 4174.8 = 0.... | Numerical Calculation | Table + Chart | Hard | 93-94 |
chapter_9-q49 | 49 | Chapter 9 | Financial Market | Under the Grihayan Tahobil, what is the interest rate spread between the rate charged to NGOs and the rate NGOs charge the rural poor? | 4.0 percentage points — the fund lends to NGOs at 1.5 percent and NGOs on-lend to the rural poor at 5.5 percent. | Para 9.36: "This fund provides loan facilities to NGOs at 1.5 percent simple interest rate for disbursing credit to the rural poor at 5.5 percent simple interest rate". Calculation: 5.5 - 1.5 = 4.0. | Numerical Calculation | Text Only | Easy | 95 |
chapter_9-q50 | 50 | Chapter 9 | Financial Market | How would you characterise money-market conditions in FY25? | Money-market conditions tightened sharply on persistent liquidity stress. The weighted average call money rate rose from an average of 7.7 percent (FY24) to 9.8 percent (FY25), ranging up to 10.14 percent, while the average traded volume fell 14.8 percent (BDT 133.2 billion). Treasury bill yields rose in step — 91-day ... | Table 9.01, Average: FY24 WAIR = 7.7, FY25 WAIR = 9.8; FY24 Volume = 900.3, FY25 Volume = 767.1. Para 9.03: "Weighted average call money interest rate ... ranging from 8. 8 percent to 10.14 percent in FY25 ... The average volume of interbank trade in call money reduced by BDT 133.2 billion in FY25 (14.8 percent lower t... | Multi-hop Reasoning | Text + Table | Hard | 85-88 |
chapter_9-q51 | 51 | Chapter 9 | Financial Market | Where was scheduled banks' credit growth concentrated in FY25? | Growth was concentrated in industry and trade. Industry advances grew 12.8 percent (to BDT 3,871.5 billion) and trade and commerce 10.6 percent (to BDT 5,892.6 billion), together far outpacing agriculture (2.5 percent) and construction (0.9 percent). By share of the FY25 credit stock, trade and commerce is the largest ... | Table 9.09, % change column: Industry = 12.8, Trade and Commerce = 10.6, Working Capital Financing = 7.1, Others = 8.6, Agriculture, Fishing and Forestry = 2.5, Construction = 0.9, Transport = -4.2; FY25 amounts: Industry = 3871.5, Trade and Commerce = 5892.6, Grand Total = 17390.84. Para 9.27: "the trade and commerce ... | Multi-hop Reasoning | Text + Table | Medium | 93 |
chapter_9-q52 | 52 | Chapter 9 | Financial Market | Can you summarise the state of Bangladesh's capital market in FY25? | The capital market was weak throughout FY25. Chart 9.02 and paragraph 9.19 show the DSEX drifting down through the year, and paragraph 9.21 records the DSEX falling 9.2 percent to 4,838.4, the CASPI falling 10.8 percent to 13,438.4, and secondary-market turnover dropping 25.9 percent at the DSE and 45.0 percent at the ... | Chart 9.02 (Trends in Market Behaviour of DSE): DSEX(RHS) line declines in the latter part of FY25. Para 9.21: "DSEX experienced a fall by 9.2 percent to 4838.4, and in CSE the all-share price index (CASPI) showed a 10.8 percent decline to 13438.4 in FY25 ... turnover in the secondary market both at DSE and CSE, decrea... | Multi-hop Reasoning | Text + Chart | Hard | 90-96 |
chapter_9-q53 | 53 | Chapter 9 | Financial Market | Which lenders drove the rise in overdue industrial term loans in FY25? | Total overdue industrial term loans rose about 32.0 percent, from BDT 687.2 billion to BDT 906.8 billion. PCBs drove almost all of that increase: their overdue jumped from BDT 384.4 billion to BDT 601.7 billion (overdue ratio up from 14.4 percent to 20.0 percent). SCBs' overdue was roughly flat (BDT 213.6 billion to BD... | Table 9.10, Overdue: PCBs FY24 = 384.4, FY25 = 601.7; SCBs FY24 = 213.6, FY25 = 216.0; Finance companies FY24 = 81.7, FY25 = 79.2; Total FY24 = 687.2, FY25 = 906.8; Overdue as % of outstanding, PCBs FY24 = 14.4%, FY25 = 20.0%. Para 9.28: "Overdue loans also increased by 32.0 percent in FY25". Chart 9.04 shows PCBs' Out... | Multi-hop Reasoning | Table + Chart | Hard | 93-94 |
chapter_9-q54 | 54 | Chapter 9 | Financial Market | How did the foreign exchange market stabilise in FY25? | Continued tight monetary policy and a favourable balance of payments restored stability in the second half of FY25. The crawling peg exchange rate arrangement gave flexibility while higher remittance inflows and positive export growth supported reserve accumulation, so the BDT depreciated only mildly — 3.9 percent over... | Market Highlights, FY25: "In FY25, BDT-USD exchange rate showed a mild depreciating track due to higher remittance inflows, positive export growth and stability in the exchange rate. Hence, foreign exchange reserves accelerated to USD 31.8 billion." Para 9.39: "Continued tight monetary policy and favourable development... | Multi-hop Reasoning | Text Only | Medium | 85-96 |
chapter_9-q55 | 55 | Chapter 9 | Financial Market | What problems does the FY25 outlook identify for Bangladesh's financial market, and how has Bangladesh Bank responded? | The outlook identifies very high NPLs, concentrated and related-party lending, weak governance and risk management, and political interference that have eroded depositor and investor confidence, depressed private-sector credit growth and strained bank balance sheets, alongside a capital market suffering low turnover an... | Para 9.41: "Bangladesh's financial market in FY25 continues to struggle with very high NPLs, concentrated and related-party lending, weak governance and risk management practices, as well as political interference that have eroded depositor and investor confidence." Para 9.42: "Regulators launched asset-quality reviews... | Multi-hop Reasoning | Text Only | Medium | 96-98 |
chapter_9-q56 | 56 | Chapter 9 | Financial Market | Which regulators control the operational activities of the different segments of Bangladesh's financial market? | Bangladesh Bank regulates the money market and the foreign exchange market; the Bangladesh Securities and Exchange Commission (BSEC) regulates the capital market; the Insurance Development and Regulatory Authority (IDRA) regulates insurance companies; and the Microcredit Regulatory Authority (MRA) regulates microcredit... | Para 9.02: "Operational activities of these markets are controlled by different regulators: BB (for money market and foreign exchange market), Bangladesh Securities and Exchange Commission (BSEC) (for capital market), Insurance Development and Regulatory Authority (IDRA) (for insurance companies), and Microcredit Regul... | Evidence Retrieval | Text Only | Easy | 86 |
chapter_9-q57 | 57 | Chapter 9 | Financial Market | Who chairs the Financial Stability Committee (FSC), how often does it meet, and when was its inaugural meeting? | The Governor of Bangladesh Bank chairs the FSC, it meets quarterly (with provision for extraordinary sessions), and its inaugural meeting was convened on 9 July 2025. | Box 9.01: "The Governor chairs a Committee, which also includes all Deputy Governors, the Chief Economist, the Executive Director in charge of the Financial Stability Department (FSD), and the Directors of nine relevant departments as its members ... Meetings are held quarterly, with provisions for extraordinary sessio... | Evidence Retrieval | Text Only | Easy | 89 |
chapter_9-q58 | 58 | Chapter 9 | Financial Market | What was the range of annual weighted average yield for 2-year and 20-year Bangladesh Government Treasury Bonds in FY25? | The range of annual weighted average yield was 10.9312 to 12.3000 percent for 2-year bonds and 11.1824 to 12.7393 percent for 20-year bonds. | Table 9.05 (Auctions of Bangladesh Government Treasury Bonds, FY25), The range of annual weighted average yield (%): 2-Year = 10.9312-12.3000, 3-Year = 12.3004-13.1879, 5-Year = 10.3927-12.3963, 10-Year = 10.2334-12.5639, 15-Year = 10.4917-12.6785, 20-Year = 11.1824-12.7393. | Evidence Retrieval | Table Only | Medium | 88 |
chapter_9-q59 | 59 | Chapter 9 | Financial Market | By major economic purpose, what shares of total loans went to industry, trade and commerce, and consumer finance at end FY25? | Industry (term loan and working capital) received 42 percent, trade and commerce 33 percent, and consumer finance 10 percent of total loans; construction, agriculture and others were smaller (7 percent, 4 percent and 4 percent). | Box 9.03, "Loan Classification: Major Economic Purposes" pie: Industry (Term Loan & Working Capital) 42%, Trade & Commerce 33%, Consumer Finance 10%, Construction 7%, Agriculture, Fishing & Forestry 4%, Others 4%. Accompanying text: "the industrial sector receives the highest allocation, accounting for 42 percent of to... | Evidence Retrieval | Chart Only | Medium | 97 |
chapter_9-q60 | 60 | Chapter 9 | Financial Market | By how much did the BDT depreciate against the USD in FY25, and where did the rate stand at end June 2025? | The exchange rate depreciated by 3.9 percent in FY25 and stood at BDT 122.8 per USD at end June 2025. | Para 9.39: "the exchange rate depreciated by 3.9 percent in FY25 and stood at BDT 122.8 at end June 2025 (Chart 9.05)." Chart 9.05 (BDT-USD Exchange Rates Movement (End Month) in FY25): the end-month line ends near 122.8 in Jun-25, up from about 118 in Jul-24. | Evidence Retrieval | Text + Chart | Medium | 95-96 |
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