Amount in Taka
						31-Dec-11		31-Dec-10
12.07	Provision for classified other assets
	Opening balance					63,260,961		63,260,961
	Provision transferred from fixed assets					7,300,000		-
	Closing balance					70,560,961		63,260,961
12.08	Provision for classified fixed assets
	Opening balance					22,300,000		22,300,000
	Provision transferred to other assets					(7,300,000)		-
	Closing balance					15,000,000		22,300,000
12.09	Interest suspense account
	Opening balance					330,994,346		309,129,315
	Addition to during the year					133,708,986		125,282,759
	Recovered during the year					(3,984,738)		(10,037,829)
	Amount written off during the year					(48,196,985)		(93,379,899)
	Closing balance					412,521,609		330,994,346
12.10	Un- claimed dividend
	Un- claimed dividend '2003					4,694,310		4,694,810
	Un- claimed dividend '2004					4,079,921		4,079,921
	Un- claimed dividend '2005					1,870,330		1,870,329
	Un- claimed dividend '2006					6,414,635		6,448,367
	Un-claimed Dividend '2010					101,070,046		-
						118,129,242		17,093,427
13.00	Share Capital
13.01	Authorised capital
	500,000,000 Ordinary Shares of Tk.10 each					5,000,000,000		5,000,000,000
						5,000,000,000		5,000,000,000
13.02	Paid up capital
	239,597,760 Ordinary Shares of Tk. 10 each					2,395,977,600		1,597,318,400
	47,919,552 Ordinary Shares of Tk. 10 each issued as bonus shares					479,195,520		798,659,200
						2,875,173,120		2,395,977,600
13.03	Paid up capital as per shareholders category
	Particulars	2011			2010
		No. of shares	Percentage	Amount	No. of shares	Percentage		Amount
	Government of the People's Republic of Bangladesh
		4,320	0.002%	43,200	3,600	0		36,000
	Directors/Sponsors	29,415,170	10.230%	294,151,700	19,628,010	8.19%		196,280,100
	Bank and financial institutions	24,875,680	8.652%	248,756,800	7,639,040	3.19%		76,390,400
	General public	233,222,142	81.116%	2,332,221,420	212,327,110	88.62%		2,123,271,100
		287,517,312	100%	2,875,173,120	239,597,760	100%		2,395,977,600
13.04	Range - wise shareholdings
	Range of holding  of Shares	2011			2010
		No. of share holders	Percentage of	Number of shares	No. of share holders	Percentage of		Number of shares
			holding			holding
			of shares			of shares
	Upto      500	44,948	2.81%	8,089,822	62,593	17.11%		40,991,490
	501 -  10,000	28,535	17.96%	51,649,856	2,222	14.58%		34,938,870
	10,001 - 20,000	787	3.80%	10,934,158	63	3.77%		9,020,990
	20,001 - 30,000	218	1.87%	5,373,536	27	2.67%		6,393,940
	30,001 - 40,000	93	1.13%	3,249,768	9	1.29%		3,101,920
	40,001 - 50,000	45	0.69%	1,994,349	30	5.62%		13,461,170
	50,001 - 100,000	128	3.13%	9,008,441	43	13.62%		32,643,290
	100,001 - 1,000,000	135	16.32%	46,917,714	49	36.89%		88,387,090
	Over 1,000,000	47	52.27%	150,299,668	1	4.45%		10,659,000
		74,936	99.98%	287,517,312	65,037	100.00%		239,597,760
13.05	Capital adequacy of Bank on the basis of Risk weighted Assets:
	In terms of section 13(2) of the Bank Companies Act, 1991 and Bangladesh Bank BRPD circular No. 10,  dated March 10,2010 minimum capital requirement (MCR) of the Bank at the close of business on 31 December 2011 was Tk. 6,865.60 million as against available Core Capital of Tk. 7,078.18 million and Supplementary Capital of Tk.2,039.23 million making a total eligible of Tk. 9,117.42 million. Details are given below:
						Amount in Taka
						as at
						31-Dec-11		31-Dec-10
	Total assets including off balance sheet items					107,277,968,250		90,829,411,122
	A.   Total risk weighted assets (RWA)					68,655,600,000		69,859,900,000
	B.   Minimum Capital Requirement (MCR) @ 10%
	of total risk weighted assets					6,865,600,000		6,287,400,000
	C.   Total eligible capital
	Core capital (Tier - I) (Note 13.05.1)					7,078,182,063		5,907,037,967
	Supplementary capital (Tier - II) (Note 13.05.2)					2,039,234,708		2,005,676,808
						9,117,416,771		7,912,714,775
	Surplus/(Deficit)					2,251,816,771		1,625,314,775
	Capital Adequacy Ratio (CAR)
	Capital Requirement			2011		2010
				Required	Held	Required		Held
	Tier-I			5.00%	10.33%	4.50%		8.46%
	Tier-II			5.00%	2.96%	4.50%		2.88%
	Total			10.00%	13.29%	9.00%		11.34%
13.05.1	Tier-I (Core Capital)
	Paid up capital					2,875,173,120		2,395,977,600
	Statutory reserve					2,980,837,039		2,370,837,039
	Capital reserve (Note - 15.00)					341,539		341,539
	General reserve (Note - 15.00)					115,291,800		85,291,800
	Dividend equalization fund					64,427,000		64,427,000
	Retained earnings					1,042,111,565		990,162,989
						7,078,182,063		5,907,037,967
13.05.2	Tier-II (Supplementory Capital)
	Assets revaluation reserve (50%)					815,799,618		815,799,618
	Revaluation reserve on Govt.securities 50%					462,124,686		536,101,307
	General provision against unclassified loans  & advances					662,710,000		560,000,000
	General provisionon on off balance sheet exposures					98,600,404		93,775,883
						2,039,234,708		2,005,676,808
	Total eligible capital					9,117,416,771		7,912,714,775
13.06	Particulars of Shareholdings of the Directors
	Name of the  Directors		Status	2011		2010
				No. of Shares	Amount	No. of Shares		Amount
	Mr. Azharul Islam		Chairman	14,753,664	147,536,640	12,294,720		122,947,200
	Mr. Iftekharul Islam		Vice-Chairman	8,589,528	85,895,280	7,157,940		71,579,400
	Mrs. Badrunnessa Sharmin Islam		Director	79,304	793,040	-		-
	Col Engr. M.S. Kamal (Retd)		Director	28,800	288,000	24,000		240,000
	Mr. Syed A.N.M. Wahed		Director	28,800	288,000	24,000		240,000
	Mr. Sk. Amanullah		Director	73,640	736,400	7,200		72,000
	Major General Prof. M.A. Mohaiemen (Retd)		Director	7,200	72,000	6,000		60,000
	Engr. Tofazzal Hossain		Director	28,800	288,000	24,000		240,000
	Mr. Mohammed Farooq		Director	38,880	388,800	32,400		324,000
	Mr. Muhammad Quamrul Ahsan		Director	3,600	36,000	3,000		30,000
	Mr. Asif Rahman		Director	28,800	288,000	24,000		240,000
	Mr. Mirza Aminur Rahman		Director	1,200	12,000	-		-
	Mr. Faruque Alamgir		Director	2,400	24,000	-		-
	Cap. Serajul Huda		Director	5,750,554	57,505,540	-		-
	Dr. Md. Rezaul Karim Mazumder		Director	-	-	3,000		30,000
	Lt. Col. Dewan Zahedur Rahman (Retd)		Director	-	-	3,750		37,500
	Mr. Abul Barq Alvi		Director	-	-	24,000		240,000
	Mr. Shaikh Abdul Aziz		MD	-	-	-		-
	Total			29,415,170	294,151,700	19,628,010		196,280,100