Amount in Taka
							31-Dec-11		31-Dec-10
7.01	Net loans and advances
	Total loans and advances						54,010,287,476		48,672,687,127
	Interest suspense (Note- 12.09)						(412,521,609)		(330,994,346)
	Provision for loans and advances (Note- 12.04)						(1,091,983,437)		(951,983,437)
	Net loans and advances						52,505,782,430		47,389,709,344
7.02	Lease finance
	Lease finance receivable within 1 year						21,537,328		20,319,432
	Lease finance receivable within 5 years						596,165,687		467,448,742
	Lease finance receivable after 5 years						-		-
							617,703,015		487,768,174
	The Bank has finance lease under its credit portfolio, amount disbursed to leases under finance lease are recorded as lease finance and shown along with loans and advances. At present interest is charged on the lease amount on monthly basis and monthly interest is received from leases against such finance is fully complied by the UBL. Leases are classified as finance leases when ever the terms of lease transfer substaintially all the risks in reward of ownership to the leases as per BAS-17 "Leases". All the lease finances have been recognised as direct finance lease.
7.03	Maturity grouping of loans & advances
	including bills purchased  and discounted
	(i)	Loans and Advances
		Receivable on Demand					-		-
		Upto 1 month					5,607,443,255		4,877,528,909
		Over 1 month but not more than 3 months					5,759,111,214		735,966,798
		Over 3 months but not more  than 1 year					21,963,028,319		23,405,139,823
		Over 1 year but not more than 5 years					10,771,837,350		10,075,561,916
		Over 5 years					5,282,831,529		5,278,162,066
							49,384,251,667		44,372,359,512
	(ii)	Bill purchased  and discounted
		Payable within one month					27,649,250		20,232,266
		Over 1 month but not more  than 3 months					4,598,386,559		4,280,095,349
		Over 3 month but not more  than 6 months					-		-
		Six months or more					-		-
							4,626,035,809		4,300,327,615
							54,010,287,476		48,672,687,127
7.04	Loans and advances under the following broad categories
	In Bangladesh
	Loan						20,583,191,496		18,876,703,466
	Cash Credit						25,352,690,874		22,107,030,631
	Over Draft						3,448,369,297		3,388,625,415
							49,384,251,667		44,372,359,512
	Outside Bangladesh						-		-
							49,384,251,667		44,372,359,512
	Bills  purchased and discounted
	In Bangladesh						4,415,911,862		4,071,041,162
	Outside Bangladesh						210,123,947		229,286,453
							4,626,035,809		4,300,327,615
							54,010,287,476		48,672,687,127
							Amount in Taka
							as at
							31-Dec-11		31-Dec-10
7.05	Loans and advances on the basis
	of  significant concentration
	Advance to allied concerns of Directors (Note - 2.23.04)						227,932,266		253,432,266
	Advance (HBL) to the employees' of the Bank (Note - 7.06)						1,498,816,476		972,186,000
	Advance to customers' group						45,650,138,734		42,030,968,861
	Industrial Advances (Note - 7.07)						6,633,400,000		5,416,100,000
							54,010,287,476		48,672,687,127
7.06	Advance (HBL) to the employees of the Bank
	Advance to the Managing Director						-		-
	Advance to senior executives						4,360,299		2,641,000
	Advance to other employees						1,494,456,177		969,545,000
							1,498,816,476		972,186,000
7.07	Industrial Advances
	Term lending						5,089,800,000		4,742,200,000
	Large  & Medium Industry						4,464,200,000		4,726,600,000
	Small & Cottage Industry						625,600,000		15,600,000
	Working Capital						1,543,600,000		673,900,000
	Large  & Medium Industry						1,435,431,000		627,500,000
	Small & Cottage Industry						108,169,000		46,400,000
							6,633,400,000		5,416,100,000
7.08	Industry wise segregation of loans & advances
	Agriculture, fisheries and forestry						1,250,304,941		1,088,143,841
	Industry						6,633,400,000		5,416,100,000
	Construction						1,498,816,476		1,320,000,000
	Transport & communication						488,300,000		684,400,000
	Storage						74,420,000		73,022,000
	Business						29,324,800,000		28,173,400,000
	Consumer Financing						4,509,155,424		4,788,458,999
	Miscellaneous						10,231,090,635		7,129,162,287
							54,010,287,476		48,672,687,127
7.09	Sector wise loans & advances including bills purchased and discounted
	In Bangladesh						54,010,287,476		48,672,687,127
	Government & Autonomous bodies						10,598,000		10,598,000
	Financial Institutions						3,587,343,029		3,588,300,000
	Private Sector						50,412,346,447		45,073,789,127
	Outside Bangladesh						-		-
							54,010,287,476		48,672,687,127
7.10	Geographical area basis distribution of loans and
	advances including bills discounted and purchased
	Dhaka Division						32,180,324,839		32,188,709,595
	Chittagong Division						8,822,533,255		5,598,173,319
	Khulna Division						4,507,289,028		3,717,993,228
	Barisal Division						2,161,921,685		1,685,901,158
	Rajshahi Division						4,979,815,287		4,350,572,588
	Sylhet Division						1,358,403,382		1,131,337,239
							54,010,287,476		48,672,687,127
							Amount in Taka
							as at
							31-Dec-11		31-Dec-10
7.11	Loans and advances allowed to each customer exceeding 10% of Bank's total Capital
	Number of clients						11		15
	Amount of outstanding advances						6,386,311,294		6,073,255,497
	Amount of classified advances						-		-
	(Details are given in Annexure - C)
7.12	Classification of loans & advances including
	bills as per Bangladesh Bank circular
	Unclassified  (including staff loan)						51,188,420,476		45,994,008,127
	Standard (Including staff Loan)						49,865,611,476		45,641,259,127
	Special mentioned account						1,322,809,000		352,749,000
	Classified loans & advances						2,821,867,000		2,678,679,000
	Sub-Standard						496,638,000		228,883,000
	Doubtful						102,934,000		318,556,000
	Bad or loss						2,222,295,000		2,131,240,000
							54,010,287,476		48,672,687,127
7.13	Particulars of required provision for loans and advances
		Particulars			Outstanding	Base for  provision	Required Provision
							2011		2010
							Taka		Taka
		Unclassified-general provision
		a) Standard
		i) Small&Medium entpris.Financing (SMEF) @ 1%			34,449,306,000	34,449,306,000	344,493,000		274,278,520
		ii) CF (Other than HF & LP) @ 5%			81,005,000	81,005,000	4,050,000		3,630,000
		iii) Housing Finance (HF) @ 2%			3,946,280,000	3,946,280,000	78,926,000		84,248,740
		iv) Loans for professionals (LP) @ 2%			4,140,424,000	4,140,424,000	82,808,000		59,751,880
		v) Other than SMEF& CF @ 1%			2,825,912,000	2,825,912,000	28,259,000		46,856,870
		vi) Short term Agri. Credit@ 5%			448,278,000	448,278,000	22,414,000		18,446,650
		vii) Micro Credit @ 5%			-	-	-		-
		viii) Others @ 1%			2,475,590,000	2,475,590,000	24,756,000		49,139,700
		Sub-total			48,366,795,000	48,366,795,000	585,706,000		536,352,360
		b) SMA
		i) Small&Medium entpris.Financing (SMEF) @ 5%			247,578,000	242,178,000	12,109,000		5,227,000
		ii) CF (Other than HF & LP) @ 5%			35,000	32,000	2,000		1,600
		iii) Housing Finance (HF) @ 5%			172,052,000	151,721,000	7,586,000		10,278,500
		iv) Loans for professionals (LP) @ 5%			17,090,000	15,915,000	796,000		31,000
		v) Other than SMEF & CF @ 5%			184,535,000	171,920,000	8,599,000		-
		vi) Short term Agri. Credit @ 5%			-	-	-		-
		vii) Micro Credit @ 5%			-	-	-		-
		viii) Others @ 5%			701,519,000	658,353,000	32,918,000		985,450
		Sub-total			1,322,809,000	1,240,119,000	62,010,000		16,523,550
		Total Unclassified Loans and Advances			49,689,604,000	49,606,914,000	647,716,000		552,875,910
		Classified-specific provision
		Substandard			496,638,000	315,579,000	62,987,600		5,900,100
		Doubtful			102,934,000	8,168,000	4,060,000		77,415,500
		Bad or loss			2,222,295,000	347,686,000	347,686,000		287,719,000
					2,821,867,000	671,433,000	414,733,600		371,034,600
		Staff loans			1,498,816,476	-	-		-
		Total Loans and Advances			54,010,287,476	50,278,347,000	1,062,449,600		923,910,510
		Required provision for loans and advances					1,062,449,600		923,910,510
		Provision maintained (Note- 12.04)					1,091,983,437		951,983,437
		Excess provision					29,533,837		28,072,927
							Amount in Taka
							as at
							31-Dec-11		31-Dec-10
7.14	Particulars of loans and advances in the manner
	i)	Debts considered good in respect of which the Bank Company is fully secured.
							53,906,268,775		48,575,975,708
	ii)	Debts considred good for which the Bank holds no other security than the debtors' personal security
							10,598,000		10,598,000
	iii)	Debts considered good being secured by the personal securities of one or more parties in addition to the personal security of the debtors
							93,420,701		86,113,419
	iv)	Debts considred doubtful or bad not provided for					-		-
							54,010,287,476		48,672,687,127
	v)	Balance of debts due by Directors or Officers of the  bank or any of them either severally or jointly with any other persons
							1,498,816,476		972,186,127
	vi)	Balance of debts due by companies or firms in which the directors of the Bank are interested as directors, partners or managing agents or in the case of private companies as members
							227,932,266		253,432,266
	vii)	Maximum total amount of advances including temporary advances made at any time during the year to directors or employees' of the bank or any of them either severally or jointly with any other person
							1,498,816,476		972,186,127
	viii)	Maximum total amount of advances including temporary advances granted during the year to the companies or firms in which the directors of the bank are interested as Directors,partners or managing agents or in the case of private companies, as members
							227,932,266		253,432,266
	ix)	Debts due from Bank Companies					-		-
	x)	Classified loan on which interest/profit has not been charged
							2,821,867,000		2,678,679,000
	xi)	Increase/decrease in provision (specific)					43,699,000		(88,262,400)
	xii)	Amount of loan written off debt					8,410,064,818		8,275,225,818
	xiii)	Amount recovered against the debt which was previously written off
							523,497,701.00		322,141,271
	xiv)	Amount of provision kept against the amount of loan classified as bad/loss
							419,911,437		308,667,437
	xv)	Amount of interest credited to intt. suspense account (Note- 12.09)					133,708,986		125,282,759
	xvi)	Cumulative amount of written off debts for
		which suit has been filed for recovery					8,410,064,818		8,275,225,818
		Amount of debt written off					8,275,225,818		7,983,751,991
		Amount of written off debt during the year					134,839,000		291,473,827
8.00	Fixed assets including land, building, furniture and fixtures
	Cost:
	Land						1,315,648,485		1,315,648,485
	Building						1,262,917,476		1,262,917,476
	Furniture and fixtures						373,475,829		358,736,161
	Vehicles						232,354,480		229,962,811
	Office appliance						507,400,885		459,654,018
	Software						37,331,023		26,071,746
							3,729,128,178		3,652,990,697
	Less: accumulated depreciation						966,899,286		854,848,920
	Net Book value at the end of the year						2,762,228,892		2,798,141,777
	(Details are shown in Annexure - D  )
							Amount in Taka
							as at
							31-Dec-11		31-Dec-10
8.01	Classification of  fixed assets as per
	Bangladesh Bank circular
	Unclassified						2,748,349,212		2,784,262,097
	Substandard						-		-
	Doubtful						-		-
	Bad or loss						13,879,680		13,879,680
							2,762,228,892		2,798,141,777
8.02	Particulars of required provision for fixed assets
	Sub-standard						-		-
	Doubtful						-		-
	Bad or loss						13,879,680		13,879,680
	Required provision						13,879,680		13,879,680
	Provision maintained (Note - 12.08)						15,000,000		22,300,000
	Surplus provision						1,120,320		8,420,320
9.00	Other Assets
	Stationery, stamps, printing materials in stock etc.						37,450,468		34,010,241
	Advance rent						84,332,025		55,738,100
	Interest accrued on Investment but not collected						719,411,217		657,754,153
	Interest receivable on loans and advnaces (Note - 9.01)						3,201,990		5,556,487
	Pre-payment and Security Deposit						2,843,587		2,800,351
	Advance against placement of share of MSF Asset Mgt Com. Ltd.						2,000,000		-
	Branch adjustment account (Note - 9.02)						398,741,231		185,724,734
	Suspense account (Note - 9.03)						439,354,312		492,326,484
	Investment in subsidiary (Note - 9.04)						99,994,000		99,994,000
	Others (Note - 9.05)						3,733,519,201		2,694,910,630
							5,520,848,031		4,228,815,180
9.a	Consolidated other assets
	Uttara Bank Limted						5,520,848,031		4,228,815,180
	UB Capital & Investment Limited (Inter Company transaction)
	UB Capital tax deducted at  sources						705,807		-
	UB Capital Pre-paid expenses						108,000		10,000
	Investment in subsidiary						(99,994,000)		(99,994,000)
	Payable to Uttara Bank Limited						(12,000)		-
							5,421,655,838		4,128,831,180
9.b	Non-Banking assets
	Opening balance						94,202,809		99,256,359
	Adjustment during the year						622,217		5,053,550
	Closing balance						93,580,592		94,202,809
	Holding period of the above Non-Banking assets are almost below 3(three) years. The value of which does not exceed the market value.  All the Non-Banking assets are non income generating non-banking item(s).
9.01	Interest accrued on investment and interest receivable on loan and advances
	This  represents interest receivable with other banks, on call loans, interest receivable on loans and advances, other receivable etc.
							Amount in Taka
							as at
							31-Dec-11		31-Dec-10
9.02	Branch adjustment account ( UBL General Account)						398,741,231		185,724,734
	Branch adjustment account represents outstanding inter-branch transactions and Head office transactions (net) originated but yet to be responded the balance sheet date. However, the unresponded entries at 31.12.2010 are being responded. The status of unresponded entries as on  31.12.2011 are given below:
	Particulars			No. of Un-responded entries		Un-responded entries (Tk.)			Net amount
				Dr.	Cr.	Dr.	Cr.		2011
	Upto 3 months			1,043	2,988	1,051,427,327	642,331,917		409,095,410
	Over 3 months but within 6 months			217	239	48,472,082	64,432,023		(15,959,941)
	Over 6 months but within 1 year			220	229	243,901,105	239,182,104		4,719,001
	Over 1 year			12	8	2,804,901	1,918,140		886,761
	Total			1,492	3,464	1,346,605,415	947,864,184		398,741,231
9.03	Suspense account
	Suspense account general						24,327,712		15,481,221
	Suspense against encashment of Sanchaya patras						262,097,950		288,725,903
	Suspense against encashment of Wage earners bond						152,928,650		188,119,360
							439,354,312		492,326,484
9.03.a	Suspense account
	Uttara Bank Limited						439,354,312		492,326,484
	Less: Adjustment to Uttara Bank Limited						-		742,000
							439,354,312		491,584,484
9.04	Investment in UB Capital & Investment  Limited						99,994,000		99,994,000
	This represents investment in UB Capital & Investment Limited for 9,999,400 number of shares @ Tk.10/- each representing 99.99% in the equity of UB Capital & Investment Limited which is a subsidiary company of Uttara Bank Limited.
9.05	Others
	Drafts payable account (Ex. advice)						134,144,791		65,964,663
	Income tax deducted  at source						593,648,131		579,537,957
	Advance income tax						2,928,169,530		1,938,136,908
	Receivable from Government						24,225		24,225
	Claim against re-structuring of debts of
	raw jute under Government agreement						20,301,905		20,301,905
	Claim against waiver of interest to Jute traders
	for the period from July to December (1998)						897,200		897,200
	Protested bills						13,683,419		7,722,772
	Wage Earners Bond						42,650,000		82,325,000
							3,733,519,201		2,694,910,630