Amount in Taka
						31-Dec-11		31-Dec-10
3.00	Cash
	In  hand					1,550,160,241		1,294,274,237
	Balance with Bangladesh Bank and its agent Bank					5,220,058,344		5,342,697,871
						6,770,218,585		6,636,972,108
3.01	In  hand					1,550,160,241		1,294,274,237
	Local currency					1,544,274,712		1,285,403,266
	Foreign currencies					5,885,529		8,870,971
3.02	Balance with Bangladesh Bank and its agent Bank
	Bangladesh Bank					4,684,048,768		4,922,187,093
	In local currency					3,967,867,753		4,627,943,228
	In foreign currencies					716,181,015		294,243,865
	Sonali Bank as agent of Bangladesh Bank
	Local currency					536,009,576		420,510,778
						5,220,058,344		5,342,697,871
3.03	Cash Reserve Requirement (CRR)and Statutory Liquidity Ratio (SLR)
	Cash Reserve Requirement (CRR) and Statutory Liquidity Ratio (SLR) have been calculated and maintained in accordance with the section 33 of the Bank Companies Act 1991 and MPD Circular No. 04 and Circular No. 05 both of dated December 01, 2010.
3.03.1	Cash Reserve Requirement (CRR): 6%
	of Average Demand and Time Liabilities
	Required reserve in amount					4,151,473,770		3,836,342,370
	Percentage (%)					6.00		6.00
	Average reserve held in amount (Bangladesh Bank)					5,192,590,375		4,157,841,188
	Percentage (%)					7.50		6.50
	Surplus					1.50		0.50
3.03.2	Statutory Liquidity Ratio (SLR) 19% of average time
	and demand Liabilities (includes CRR)
	Required reserve in amount					13,146,333,605		12,148,417,505
	Percentage (%)					19.00		19.00
	Actual reserve held in amount (Note- 3.03.4)					28,782,741,095		24,761,856,126
	Percentage (%)					41.60		38.73
	Surplus / (Deficit)					22.60		19.73
3.03.4	Held for Statutory Liquidity Ratio
	Cash in hand					1,544,274,712		1,285,403,266
	Balance with Bangladesh Bank (CRR)					3,967,867,753		4,627,943,228
	Balance with Sonali  Bank as agent of Bangladesh Bank (Note- 3.02)					536,009,576		420,510,778
	Unencumbered approved securities (HTM+HFT) (Note- 6.00)					22,735,889,054		18,429,298,854
	Lien mark on 10 years Treasury Bond  (part) with B. Bank					(1,300,000)		(1,300,000)
						28,782,741,095		24,761,856,126
						Amount in Taka
						as at
						31-Dec-11		31-Dec-10
4.00	Balance with other Banks and financial institutions
	In Bangladesh					4,976,518,084		33,337,210
	Current deposit account (Note- 4.01)					36,518,084		33,337,210
	Fixed deposit account (Note- 4.02)					4,940,000,000		-
	Outside Bangladesh (Note- 4.03)					389,496,329		396,538,734
						5,366,014,413		429,875,944
4.01	In Bangladesh
	Current deposit account with
	Sonali Bank Ltd.					3,656,371		814,795
	Janata Bank Ltd.					2,714,159		2,042,980
	Trust Bank Ltd.					847,554		879,435
	ICB Islamic Bank Ltd.					29,300,000		29,600,000
						36,518,084		33,337,210
4.02	Fixed deposit account with
	Eastern Bank Ltd.					2,240,000,000		-
	Pubali Bank Ltd.					2,050,000,000		-
	BRAC Bank  Ltd.					650,000,000		-
						4,940,000,000		-
						4,976,518,084		33,337,210
4.03	Outside Bangladesh (Nostro Account)
	Current account					389,496,329		396,538,734
	(Details are shown in Annexure - A)
4.04	Maturity grouping of Balance with other
	Banks and financial institutions
	In Bangladesh					4,976,518,084		33,337,210
	Repayable on demand					36,518,084		33,337,210
	Upto  1 month					4,940,000,000		-
	Over 1 month but not more than 3 months					-		-
	Over 3 months but not more than  1 year					-		-
	Over 1 year but not more than 5 years					-		-
	Over 5 years					-		-
	Outside Bangladesh
	Repayable on demand					389,496,329		396,538,734
						5,366,014,413		429,875,944
5.00	Money at call and short notice with Banks					-		-
						-		-
						Amount in Taka
						as at
						31-Dec-11		31-Dec-10
6.00	Investments
	Government Securities					22,735,889,054		18,429,298,854
	Treasury Bills (Note - 6.01)					426,285,364		151,059,811
	Government Treasury Bonds (Note - 6.02)					22,218,362,490		18,161,638,943
	Prize Bond					10,241,200		5,600,100
	Approved Debentures at cost (Note - 6.03)					81,000,000		111,000,000
	Other Investments
	Shares and Debentures of ICB sponsored companies (Note - 6.04)					7,149,111		7,270,111
	Shares of Companies (Note - 6.05)					148,331,060		151,178,310
	Others (Note - 6.06)					3,380,583		3,380,583
						158,860,754		161,829,004
						22,894,749,808		18,591,127,858
	Investment in Securities are classified
	according to Bangladesh Bank Circular
	Held for trading					12,300,602,829		17,302,692,833
	Held to maturity					10,354,286,225		1,015,606,021
	Other securities					239,860,754		272,829,004
						22,894,749,808		18,591,127,858
6.01	Treasury Bills
	91 days Treasury bills					4,997,061		-
	182 days Treasury bills					198,599,296		108,917,125
	364 days Treasury bills					222,689,007		42,142,686
	5 years Treasury bills					-		-
						426,285,364		151,059,811
6.02	Government Treasury Bonds
	25 years treasury bond					324,667,000		368,679,000
	20 years' BGTBs					2,373,263,660		1,043,351,003
	5 years treasury bond(Bangladesh Diesel Plant)					6,829,544,253		5,954,923,709
	10 years Bangladesh Govt. treasury bond					8,639,554,972		7,963,032,108
	15 years Bangladesh Govt. treasury bond					4,051,332,605		2,831,653,123
						22,218,362,490		18,161,638,943
	Disclosure on REPO and Reverse REPO transactions are in " Annexure- B".
6.03	Approved Debenture at cost
	Bangladesh Steel & Engineering Corporation					11,000,000		11,000,000
	House Building Finance Corporation					40,000,000		50,000,000
	Investment Corporation of Bangladesh					30,000,000		50,000,000
						81,000,000		111,000,000
6.04	Share & debentures of ICB sponsored companies
	Underwritting  Advance (Share)					5,731,691		5,852,691
	Underwritting Advance (Taken up share)					1,057,920		1,057,920
	Underwritting  Advance (Debenture)					359,500		359,500
						7,149,111		7,270,111
						Amount in Taka
						as at
						31-Dec-11		31-Dec-10
6.05	Shares of companies
	Name of company		No. of	Market price	Total	Book value		Book value
	(Quoted:)		Share	per share	Market value	2011		2010
	Investment Corp. of BD		536,490	1,624.00	871,259,760	31,792,000		31,792,000
	Eastern Bank Ltd.		18,863,570	65.80	1,241,222,906	104,017,400		104,017,400
	National Tea Co. Ltd.		24,250	530.00	12,852,500	242,500		242,500
	Eighth ICB Mutual Fund		6,160	59.40	365,904	61,600		61,600
	First BSRS Mutual Fund		9,100	91.50	832,650	91,000		91,000
	Bangladesh Shipping Corp.		5,700	554.50	3,160,650	57,000		57,000
	A		19,445,270		2,129,694,370	136,261,500		136,261,500
	Name of company		No.of	Face	Market	Book value		Book value
	(Un-quoted:)		Share	value	value	2011		2010
	Karmasangsthan Bank		100,000	100	-	10,000,000		10,000,000
	Central Depository BD Ltd.		156,945	10	-	1,569,450		4,416,700
	Industrial Promotion Services Ltd.		25,000	10	-	250,000		250,000
	Calico Cotton Mills Ltd.		25,011	10	-	250,110		250,110
	B		306,956			12,069,560		14,916,810
	A+B		19,752,226			148,331,060		151,178,310
6.06	Others
	Rajshahi Jute Mills Ltd. (Govt. Guaranteed)					43,134		43,134
	Star Jute Mills Ltd. (Govt. Guaranteed)					3,337,449		3,337,449
						3,380,583		3,380,583
6.07	Asset pledged as security
	Assets in the amounts shown below were pledged as
	security for the following liabilities
	Liabilities to banks					26,000,000		26,000,000
	Liabilities to customers					-		-
						26,000,000		26,000,000
	Following assets were pledged as security for the above mentioned liabilities
	Claims on banks					30,000,000		30,000,000
	Claims on customers					-		-
						30,000,000		30,000,000
	At 5% margin of ten years 2 (two) Treasury Bond 2015 of total Tk. 30,000,000 are pledged as security with Bangladesh Bank under T.T. discounting facilities of Tk. 26,000,000.
6.08	Maturity grouping of investments
	On Demand					10,241,200		5,600,100
	Upto 1 month					154,828,011		259,538,325
	Over 1 month but not more than 3 months					198,599,296		-
	Over 3 months but not more  than 1 year					222,689,007		160,731,864
	Over 1 year but not more than  5 years					6,882,577,853		5,887,872,274
	Over 5 years					15,425,814,441		12,277,385,295
						22,894,749,808		18,591,127,858
						Amount in Taka
						as at
						31-Dec-11		31-Dec-10
6.09	Classification of investment
	Un-classified					22,872,720,004		18,568,977,054
	Sub-standard					-		-
	Doubtful					-		-
	Bad or Loss					22,029,804		22,150,804
						22,894,749,808		18,591,127,858
6.10	Particulars of required provision for diminution in value of  Investment
	Un-classified					-		-
	Sub-standard					-		-
	Doubtful					-		-
	Bad or Loss					22,029,804		22,150,804
	Provision required					22,029,804		22,150,804
	Provision maintained (Note - 12.00)					23,250,000		23,250,000
	Excess provision					1,220,196		1,099,196
7.00	Loans and advances
	Loans , cash credits and over drafts etc.
	In Bangladesh					49,384,251,667		44,372,359,512
	Over draft					3,448,369,297		3,388,625,415
	Cash credit					25,352,690,874		22,107,030,631
	Loan					8,328,477,449		8,350,641,039
	Consumer Financing					4,509,155,424		4,788,458,999
	Agri credit					1,249,336,717		1,088,035,287
	Rural Credit					968,224		108,554
	Loan against imported merchandise					1,072,300,255		748,971,723
	Loan against trust receipt					4,668,279,751		3,254,373,876
	Overdraft export					136,970,661		158,345,814
	Lease financing (Note - 7.02)					617,703,015		487,768,174
	Outside Bangladesh					-		-
						49,384,251,667		44,372,359,512
	Bills purchased and discounted
	In Bangladesh					4,415,911,862		4,071,041,162
	Demand draft purchased					2,637,210		1,953,195
	Inland bills purchased					3,446,498,420		3,504,175,166
	Payment against documents					966,776,232		564,912,801
	Outside Bangladesh					210,123,947		229,286,453
	Foreign bills purchased					185,111,907		211,007,382
	Foreign drafts purchased					25,012,040		18,279,071
						4,626,035,809		4,300,327,615
						54,010,287,476		48,672,687,127