|
 |
|
|
|
|
|
|
|
2010 |
|
2009 |
|
|
|
|
|
|
Taka |
|
Taka |
|
|
|
|
|
|
|
|
|
|
03. |
Cash |
|
|
|
6,637,786,903 |
|
5,348,163,400 |
|
03.1 |
In hand |
|
|
|
|
|
|
|
|
Local currency |
|
|
|
1,285,403,266 |
|
1,333,243,516 |
|
|
Foreign currencies |
|
|
|
8,870,971 |
|
8,195,429 |
|
|
|
|
|
|
1,294,274,237 |
|
1,341,438,945 |
|
03.2 |
Balance with Bangladesh Bank |
|
|
|
|
|
|
and its agent Bank |
|
|
|
|
|
|
|
|
Bangladesh Bank |
|
|
|
4,922,187,093 |
|
3,397,762,185 |
|
|
In local currency |
|
|
3.3.1 |
4,627,943,228 |
|
3,194,893,817 |
|
|
In foreign currencies |
|
|
|
294,243,865 |
|
202,868,368 |
|
|
Sonali Bank as agent of Bangladesh Bank |
|
|
|
|
|
Local currency |
|
|
|
421,325,573 |
|
608,962,270 |
|
|
|
|
|
|
5,343,512,666 |
|
4,006,724,455 |
|
03.3 |
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 section
33 of the Bank Companies Act,1991 and BRPD Circular No. 11 and
12, dated August 25, 2005 and MPD circular No. 04 & 05 both of
dated 01.12.2010. |
|
03.3.1 |
CRR (Cash Reserve Requirment) |
|
|
|
|
|
|
Required reserve (6.00%) |
|
|
3,836,342,400 |
|
2,890,081,000 |
|
|
Actual reserve maintained (7.17%) |
|
4,627,943,228 |
|
3,194,893,817 |
|
|
Surplus/(deficit
) |
|
|
|
791,600,828 |
|
304,812,817 |
|
03.3.2 |
SLR ( Statutory Liquidity Ratio) |
|
|
|
|
|
|
Required reserve (19.00% ) |
|
12,148,417,600 |
|
10,404,290,520 |
|
|
Actual reserve maintained (38.63%) |
03.3.3 |
24,762,670,921 |
|
27,479,869,104 |
|
|
Surplus/(deficit) |
|
|
|
12,614,253,321 |
|
17,075,578,584 |
|
|
|
|
|
|
|
|
|
| |
As per Circular Letter No. 5 dated 26.05.2008 of DOS of
Bangladesh Bank, Banks are permitted to consider both HFT& HTM
as to maintain SLR. |
|
03.3.3 |
Held for Statutory Liquidity Ratio |
|
|
|
|
|
|
Cash in hand |
|
|
|
1,285,403,266 |
|
1,333,243,516 |
|
|
Balance with Bangladesh Bank (CRR) |
|
4,627,943,228 |
|
3,194,893,817 |
|
|
Balance with Sonali Bank as agent of Bangladesh Bank |
421,325,573 |
|
608,962,270 |
|
|
Government securities |
|
|
|
18,429,298,854 |
|
22,344,069,501 |
|
|
Lien mark on 10 years Treasury Bond (part) with B. Bank |
(1,300,000) |
|
(1,300,000) |
|
|
|
|
|
|
24,762,670,921 |
|
27,479,869,104 |
|
04. |
Balance with other Banks and |
|
|
|
|
|
|
financial institutions |
|
|
|
|
|
|
|
|
In Bangladesh |
|
|
|
2,922,415 |
|
2,856,213 |
|
|
Current deposit account |
|
|
04.1 |
2,922,415 |
|
2,856,213 |
|
|
Fixed deposit account |
|
|
|
-
|
|
- |
|
|
|
|
|
|
|
|
|
|
|
Outside Bangladesh |
04.2 |
396,538,734 |
|
283,102,484 |
|
|
|
|
|
|
399,461,149 |
|
285,958,697 |
|
04.a |
Consolidated balance with other Banks and financial
institutions |
|
|
|
|
Uttara Bank Limited |
|
|
|
399,461,149 |
|
285,958,697 |
|
|
UB Capital and Investment Limited |
|
100,000,000 |
|
-
|
|
|
|
|
|
|
499,461,149 |
|
285,958,697 |
|
04.1 |
In Bangladesh |
|
|
|
|
|
|
|
|
Current deposit account with |
|
2,922,415 |
|
2,856,213 |
|
|
Janata Bank |
|
|
|
2,042,980 |
|
2,026,825 |
|
|
Trust Bank Ltd. |
|
|
|
879,435 |
|
829,388 |
|
|
|
|
|
|
|
|
|
|
|
Fixed deposit account |
|
|
|
- |
|
- |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
2,922,415 |
|
2,856,213 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
2010 |
|
2009 |
|
|
|
|
|
|
Taka |
|
Taka |
|
04.2 |
Outside Bangladesh(NOSTRO ACCOUNTS) |
|
|
|
|
|
Current account |
|
|
|
396,538,734 |
|
283,102,484 |
|
|
(Details in annexure "A" ) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
04.3 |
Maturity grouping of Balance with other |
|
|
|
|
|
Banks and financial institutions |
|
|
|
|
|
|
|
|
In Bangladesh |
|
|
|
2,922,415 |
|
2,856,213 |
|
|
Repayable on demand |
|
|
|
2,922,415 |
|
2,856,213 |
|
|
Upto 1 month |
|
|
|
-
|
|
- |
|
|
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 |
|
|
|
396,538,734 |
|
283,102,484 |
|
|
|
|
|
|
399,461,149 |
|
285,958,697 |
|
05. |
Money at call and short notice |
|
|
|
|
|
|
With Banks |
|
|
|
29,600,000 |
|
329,700,000 |
|
|
ICB Islamic Bank |
|
|
|
29,600,000 |
|
29,700,000 |
|
|
(Formerly known as The Oriental Bank Ltd.) |
|
|
|
|
|
Arab Bangladesh Bank Limited |
|
-
|
|
300,000,000 |
|
|
With financial institution |
|
|
|
-
|
|
- |
|
|
|
|
|
|
29,600,000 |
|
329,700,000 |
|
|
|
|
|
|
|
|
|
| |
The amount against ICB Islamic Bank has been treated as Money at
call and short notice as per Bangladesh Bank BRPD Circular No.
(R-1) 651/9(10)/2007-446, dated 02.08.2007 under section -7 of
The Oriental Bank Limited Reconstruction Scheme -2007. |
|
06. |
Investments |
|
|
|
|
|
|
|
i) |
Investments classified as per B. Bank Circular |
|
|
|
|
|
Held for trading |
|
|
|
17,302,692,833 |
|
20,970,196,720 |
|
|
Held to maturity |
|
|
|
1,015,606,021 |
|
814,376,540 |
|
|
Other securities |
|
|
|
272,829,004 |
|
717,908,545 |
|
|
|
|
|
|
18,591,127,858 |
|
22,502,481,805 |
|
|
|
|
|
|
|
|
|
|
ii) |
Investments classified as per nature |
|
|
|
|
|
|
Government Securities |
|
|
|
18,429,298,854 |
|
22,344,069,501 |
|
|
Treasury Bills |
|
|
06.1 |
151,059,811 |
|
7,093,272,560 |
|
|
Government Treasury Bonds |
06.2 |
18,161,638,943 |
|
15,089,593,341 |
|
|
National Prize Bond |
|
|
|
5,600,100 |
|
10,203,600 |
|
|
Approved Debentures at cost |
06.3 |
111,000,000 |
|
151,000,000 |
|
|
|
|
|
|
|
|
|
|
|
Other Investments |
|
|
|
161,829,004 |
|
158,412,304 |
|
|
Shares and Debentures of ICB sponsored companies |
06.4 |
7,270,111 |
|
7,270,111 |
|
|
Shares of Companies |
|
|
06.5 |
151,178,310 |
|
147,761,610 |
|
|
Others |
|
|
06.6 |
3,380,583 |
|
3,380,583 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
18,591,127,858 |
|
22,502,481,805 |
|
06.1 |
Treasury Bills |
|
|
|
|
|
|
|
|
91 days Treasury bills |
|
|
|
-
|
|
2,654,461,855 |
|
|
182 days Treasury bills |
|
|
|
108,917,125 |
|
1,798,483,329 |
|
|
364 days Treasury bills |
|
|
|
42,142,686 |
|
2,640,327,376 |
|
|
5 years Treasury bills |
|
|
|
-
|
|
- |
|
|
|
|
|
|
151,059,811 |
|
7,093,272,560 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
2010 |
|
2009 |
|
|
|
|
|
|
Taka |
|
Taka |
|
06.2 |
Government Treasury Bonds |
|
|
|
|
|
|
25 years treasury bond |
|
|
|
368,679,000 |
|
412,691,000 |
|
|
20 years' BGTBs |
|
|
|
1,043,351,003 |
|
586,708,639 |
|
|
5 years treasury bond(Bangladesh Diesel Plant) |
5,954,923,709 |
|
5,015,662,638 |
|
|
10 years Bangladesh Govt. treasury bond |
|
7,963,032,108 |
|
6,906,074,228 |
|
|
15 years Bangladesh Govt. treasury bond |
|
2,831,653,123 |
|
2,168,456,836 |
|
|
|
|
|
|
18,161,638,943 |
|
15,089,593,341 |
|
|
Disclosure on REPO and Reverse REPO transactions are in "
Annexure-B". |
|
|
|
06.3 |
Approved Debenture at cost |
|
|
|
|
|
|
|
Bangladesh Steel & Engineering Corporation |
11,000,000 |
|
11,000,000 |
|
|
House Building Finance Corporation |
|
50,000,000 |
|
60,000,000 |
|
|
Investment Corporation of Bangladesh |
|
50,000,000 |
|
80,000,000 |
|
|
|
|
|
|
111,000,000 |
|
151,000,000 |
|
06.4 |
Share & debentures of ICB sponsored companies |
|
|
|
|
|
Underwritting Advance (Share) |
|
5,852,691 |
|
5,852,691 |
|
|
Underwritting Advance (Taken up share) |
|
1,057,920 |
|
1,057,920 |
|
|
Underwritting Advance (Debenture) |
|
359,500 |
|
359,500 |
|
|
|
|
|
|
7,270,111 |
|
7,270,111 |
|
06.5 |
Shares of companies |
|
|
|
|
|
|
|
|
Name of company |
|
No. of |
Market price |
Total |
Book value |
Book value |
|
|
(Quoted:) |
|
Share |
per share |
Market value |
2010 |
2009 |
|
|
Investment Corporation of Bangladesh |
397,400 |
4,219.50 |
1,676,829,300 |
31,792,000 |
31,792,000 |
|
|
Eastern Bank Ltd. |
|
12,170,030 |
129.40 |
1,574,801,882 |
104,017,400 |
104,017,400 |
|
|
National Tea Co. Ltd. |
|
2,425 |
5,787.00 |
14,033,475 |
242,500 |
242,500 |
|
|
Eighth ICB Mutual Fund |
|
616 |
924.25 |
569,338 |
61,600 |
61,600 |
|
|
First BSRS Mutual Fund |
|
910 |
2,099.25 |
1,910,318 |
91,000 |
91,000 |
|
|
Bangladesh Shipping Corporation |
570 |
3,220.50 |
1,835,685 |
57,000 |
57,000 |
|
|
A |
|
12,571,951 |
|
3,269,979,998 |
136,261,500 |
136,261,500 |
|
|
Name of company |
|
No.of Share |
Face value |
Market value |
Book value |
Book value |
|
|
(Un-quoted:) |
|
|
|
|
2010 |
2009 |
|
|
Karmasangsthan Bank |
|
100,000 |
100 |
-
|
10,000,000 |
10,000,000 |
|
|
Central Depository Bangladesh Ltd. |
256,945 |
10 |
-
|
4,416,700 |
1,000,000 |
|
|
Industrial Promotion Services Ltd. |
25,000 |
10 |
-
|
250,000 |
250,000 |
|
|
Calico Cotton Mills Ltd. |
|
25,011 |
10 |
-
|
250,110 |
250,110 |
|
|
B |
|
406,956 |
|
|
14,916,810 |
11,500,110 |
|
|
A+B |
|
12,978,907 |
|
|
151,178,310 |
147,761,610 |
|
06.6 |
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 |
|
06.7 |
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 coustomers |
|
|
|
-
|
|
- |
|
|
|
|
|
|
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 coustomers |
|
|
|
-
|
|
- |
|
|
|
|
|
|
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. |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
2010 |
|
2009 |
|
|
|
|
|
|
Taka |
|
Taka |
|
|
|
|
|
|
|
|
|
|
6.8 |
Maturity grouping of investments |
|
|
|
|
|
|
On Demand |
|
|
|
5,600,100 |
|
10,203,600 |
|
|
Upto 1 month |
|
|
|
259,538,325 |
|
1,448,416,422 |
|
|
Over 1 month but not more than 3 months |
|
-
|
|
968,234,429 |
|
|
Over 3 months but not more than 1 year |
|
160,731,864 |
|
5,379,085,000 |
|
|
Over 1 year but not more than 5 years |
|
5,887,872,274 |
|
4,460,403,847 |
|
|
Over 5 years |
|
|
|
12,277,385,295 |
|
10,236,138,507 |
|
|
|
|
|
|
18,591,127,858 |
|
22,502,481,805 |
|
|
|
|
|
|
|
|
|
|
06.9 |
Classification of investment |
|
|
|
|
|
|
Un-classified |
|
|
|
18,568,977,054 |
|
22,480,274,001 |
|
|
Sub-standard |
|
|
|
-
|
|
- |
|
|
Doubtful |
|
|
|
-
|
|
- |
|
|
Bad or Loss |
|
|
|
22,150,804 |
|
22,207,804 |
|
|
|
|
|
|
18,591,127,858 |
|
22,502,481,805 |
|
|
|
|
|
|
|
|
|
|
06.10 |
Particulars of required provision for investment |
|
|
|
|
|
Un-classified |
|
|
|
-
|
|
- |
|
|
Sub-standard |
|
|
|
-
|
|
- |
|
|
Doubtful |
|
|
|
-
|
|
- |
|
|
Bad or Loss |
|
|
|
22,150,804 |
|
22,207,804 |
|
|
Provision required |
|
|
|
22,150,804 |
|
22,207,804 |
|
|
Provision maintained |
|
|
12 |
23,250,000 |
|
23,250,000 |
|
|
Excess provision |
|
|
|
1,099,196 |
|
1,042,196 |
|
|
|
|
|
|
|
|
|
|
07. |
Loans and advances |
|
|
|
|
|
|
|
i) |
Loans , cash credits and over drafts etc. |
|
|
|
|
|
|
In Bangladesh |
|
|
|
44,372,359,512 |
|
36,289,189,482 |
|
|
Over draft |
|
|
|
3,388,625,415 |
|
231,829,504 |
|
|
Cash credit |
|
|
|
22,107,030,631 |
|
16,359,178,928 |
|
|
Loan |
|
|
|
8,350,641,039 |
|
9,859,459,390 |
|
|
Consumer Financing |
|
|
|
4,788,458,999 |
|
4,599,912,132 |
|
|
Agri credit |
|
|
|
1,088,035,287 |
|
314,331,699 |
|
|
Rural Credit |
|
|
|
108,554 |
|
- |
|
|
Loan against imported merchandise |
|
748,971,723 |
|
708,664,653 |
|
|
Loan against trust receipt |
|
|
3,254,373,876 |
|
3,666,430,221 |
|
|
Overdraft export |
|
|
|
158,345,814 |
|
157,804,557 |
|
|
Lease financing |
|
|
07.2 |
487,768,174 |
|
391,578,398 |
|
|
Outside Bangladesh |
|
|
|
-
|
|
- |
|
|
|
|
|
|
44,372,359,512 |
|
36,289,189,482 |
|
ii) |
Bills purchased and discounted |
|
|
|
|
|
|
In Bangladesh |
|
|
|
4,071,041,162 |
|
3,027,031,937 |
|
|
Demand draft purchased |
|
|
1,953,195 |
|
5,229,692 |
|
|
Inland bills purchased |
|
|
|
3,504,175,166 |
|
2,460,507,763 |
|
|
Payment against documents |
|
564,912,801 |
|
561,294,482 |
|
|
Outside Bangladesh |
|
|
|
229,286,453 |
|
&nbs
| |
