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