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Islami's operating profits for 2018 were 27.7bn taka ($330m), a 14.5% increase from 2017.
伊斯蘭銀行2018年的營業利潤是272億塔卡（3.3億美元），比2017年增長14.5%。
But net profits, with provisions against bad loans and corporate taxes deducted, are expected to be much lower.
但扣除壞賬準備金以及公司繳稅后，公司凈利潤將會更少。
Its market capitalisation has dropped to 42bn taka, down from 59bn taka at the end of 2017.
其市場總值從2017年年底的590塔卡降至了420億塔卡。
Until recently Bangladesh's most valuable bank, it is now worth just half as much as brac Bank, its main rival.
直到最近，孟加拉國最具價值的銀行與其主要競爭對手Brac銀行相比，其現在價值僅為它的二分之一。
At the end of last year non-performing loans (NPLS) came to 33.2bn taka.
去年年底，不良貸款（NPLS）達到332億塔卡。
That is just 4.3% of all loans—better than the 11.5% average share across the industry. But this figure is distorted by far higher figures for state banks.
這僅為所有貸款的4.3%—好過整個行業11.5%的平均份額。但國有銀行的超高數字將這一項數字變得扭曲。
Moreover, says Michael Puli, an analyst covering Bangladesh at Standard & Poor's, a rating agency, not only is Islami's NPL ratio rising,
此外，評估機構標準普爾內負責孟加拉國的分析員Michael Puli表示，不僅僅是伊斯蘭銀行的不良貸款率在上漲，
but many of its stressed loans have been restructured or refinanced and thus no longer count as non-performing.
其很多強調貸款已經重組或再籌資，且已經不再算作是不良貸款了。
It restructured 48bn taka of loans in 2018, more than any other Bangladeshi bank.
2018年重組了480億塔卡的貸款，多于任何其他的孟加拉國銀行。
Taken together, non-performing, restructured and refinanced loans came to 7.6% of the institution's loan book at the end of 2017.
截止2017年年底，不良貸款、重組和再投資貸款總額達到了機構貸款登記簿的7.6%。
The share will be higher in 2018, Mr Puli predicts.
Puli預測，2018年該占比會更高。
People with political connections not only find it too easy to get loans from banks the government controls,
有政治關聯的人不僅發現從這些政府控制的銀行，包括伊斯蘭銀行貸款太過容易，
including Islami Bank, says Biru Paksha Paul, a former chief economist at the central bank, but face little penalty for defaulting.
中央銀行前首席經濟學家Biru Paksha Paul表示，而且需要面臨的違約處罰也很少。
"Wilful defaulters" have strained Bangladesh's banks in the past three years, even as the economy has seen speedy growth.
在過去三年中，“故意違約者”讓孟加拉國的銀行感到緊張，即便經濟在迅速增長。
If the banking sector continues to deteriorate, will it be able to keep supporting growth? Responds Ms Khatun, "I doubt it."
如果銀行部門繼續惡化，它還能夠繼續支持增長嗎？Khatun女士回答稱，“我表示懷疑。”
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