|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
2006 |
|
2005 |
|
12. |
Other liabilities |
|
|
|
Taka |
|
Taka |
|
|
Provision for income tax (Note12.1) |
|
1,811,940,579
|
|
1,193,940,579 |
|
|
Benevolent fund. |
|
|
|
2,500,000 |
|
2,500,000 |
|
|
Adjusting
account credit
balance |
|
7,325,230 |
|
7,939,217 |
|
|
Govt. guarantee fund for special agri
credit. |
8,801,000 |
|
8,801,000 |
|
|
Fund for credit on Nath Bank (Pak) Ltd. |
|
151,284 |
|
151,284 |
|
|
Balance of exchange houses . |
|
323,352,346 |
|
528,648,033 |
|
|
Reserve for
unforeseen losses |
|
36,964,047 |
|
32,970,547 |
|
|
Interim
dividend payable |
|
|
|
223,560 |
|
242,604 |
|
|
Audit fee
payable |
|
|
|
130,000 |
|
130,000 |
|
|
Advance deposit and advance rent. |
|
3,170,427 |
|
2,472,483 |
|
|
Consumers credit risk fund & personal loan
scheme |
16,714,359 |
|
15,960,859 |
|
|
Excise duty
payable |
|
|
|
2,012,404 |
|
2,477,092 |
|
|
Cash
assistance. |
|
|
|
8,128 |
|
432,929 |
|
|
Bonus |
|
|
|
71,595,190 |
|
50,615,632 |
|
|
Wage Earners' Development Bond. |
|
-
|
|
245,000 |
|
|
Provision for classified loans and advances (Note
12.2) |
583,548,567 |
|
574,373,185 |
|
|
General provision for un-classified advances (Note
12.3) |
323,900,000 |
|
279,378,000 |
|
|
Provision for
classified other assets |
|
164,500,000 |
|
164,500,000 |
|
|
Provision for
classified fixed assets |
|
22,300,000 |
|
22,300,000 |
|
|
Provision for diminution in value of Investment
(Note 06.10) |
23,250,000 |
|
10,600,000 |
|
|
Interest suspense account (Note 12.4) |
|
259,519,358 |
|
287,268,246 |
|
|
Clearing
house adjustment |
|
|
|
11,329 |
|
335,689 |
|
|
ATDP fund |
|
|
|
-
|
|
36,000,000 |
|
|
SEDP fund mobilization account |
|
37,619 |
|
404 |
|
|
Dividend distribution tax (Note 16) |
|
-
|
|
5,000,000 |
|
|
Un-
claimed dividend '2003 |
|
|
|
5,073,300 |
|
5,326,150 |
|
|
Un-
claimed dividend '2004 |
|
|
|
5,698,256 |
|
6,173,670 |
|
|
Un-
claimed dividend '2005 |
|
|
|
2,506,428 |
|
-
|
|
|
Proposed
dividend |
|
|
|
39,932,960 |
|
19,966,480 |
|
|
|
|
|
Total |
3,715,166,371
|
|
3,258,749,083
|
|
12.1 |
Provision for income tax |
|
|
|
|
|
|
|
|
Provision held at the beginning of the year |
|
1,193,940,579
|
|
894,116,831 |
|
|
Add: Provision made during the year |
|
618,000,000 |
|
640,000,000 |
|
|
Add: Provision made for the previous year(s) short
fall |
-
|
|
-
|
|
|
Less:
Tax paid/adjustment |
|
|
|
-
|
|
(340,176,252) |
|
|
Balance at the end of the
year |
Total |
1,811,940,579
|
|
1,193,940,579
|
|
12.2 |
Provision for classified loans and advances |
|
|
|
|
|
The movement in specific provision
for Bad & Doubtful Debts |
|
|
|
|
Provision held at the beginning of the year |
|
574,373,185 |
|
811,613,175 |
|
|
Fully provided
debts written off |
|
(329,602,618) |
|
(919,167,340) |
|
|
Recoveries of amounts previously written
off |
70,000,000 |
|
88,700,000 |
|
|
Specific provision for the year |
|
358,600,000 |
|
610,000,000 |
|
|
Provision
transferred to general provision |
|
(3,122,000) |
|
(16,772,650) |
|
|
Recoveries and provision no longer required |
(86,700,000) |
|
-
|
|
|
Net charge to profit and loss account |
|
-
|
|
-
|
|
|
Provision held at the end of the
year |
Subtotal |
583,548,567 |
|
574,373,185 |
|
12.3 |
The movement in general provision on unclassified
loans & advances |
|
|
|
|
Provision held at the beginning of the year |
|
279,378,000 |
|
142,605,350 |
|
|
Specific
general provision for the year |
|
41,400,000 |
|
120,000,000 |
|
|
Provision transferred from classified loans &
advances |
3,122,000 |
|
16,772,650 |
|
|
Provision held at the end of the
year |
Subtotal |
323,900,000 |
|
279,378,000 |
|
|
|
|
|
Total |
907,448,567 |
|
853,751,185 |