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