|
 |
|
|
|
|
|
|
|
|
Amount in Taka |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
31-Dec-11 |
|
31-Dec-10 |
|
14.00 |
Statutory reserve |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
Balance brought forward |
|
|
|
2,370,837,039 |
|
1,800,837,039 |
| |
Addition during the year |
|
|
|
610,000,000 |
|
570,000,000 |
| |
|
|
|
|
|
2,980,837,039 |
|
2,370,837,039 |
|
|
|
|
|
|
|
|
|
|
| |
As per Section 24 of Bank Companies Act, 1991, 20% of pre tax
profit has been transferred to Statutory reserve Account. |
| |
|
|
|
|
|
|
|
|
|
|
|
15.00 |
Other reserve |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
Capital reserve |
|
|
|
|
341,539 |
|
341,539 |
| |
General reserve (Note 15.01) |
|
|
|
115,291,800 |
|
85,291,800 |
| |
Assets revaluation reserve (Note
15.02) |
|
1,631,599,235 |
|
1,631,599,235 |
| |
Revaluation reserve A/c. (Govt. Securities) |
|
924,249,373 |
|
1,072,202,614 |
| |
Dividend equilization reserve |
|
|
64,427,000 |
|
64,427,000 |
|
|
|
|
|
|
|
2,735,908,947 |
|
2,853,862,188 |
|
|
|
|
|
|
|
|
|
|
|
15.01 |
General reserve |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
Balance brought forward |
|
|
|
85,291,800 |
|
85,291,800 |
| |
Transfer from profit & loss A/c (2010) |
|
30,000,000 |
|
- |
|
|
|
|
|
|
|
115,291,800 |
|
85,291,800 |
|
|
|
|
|
|
|
|
|
|
|
15.02 |
Assets revaluation reserve |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
In terms of Bangladesh Accounting Standard (BAS)- 16,
"Property, Plant & Equipment" and instruction contained in
BRPD Circular No. 10 dated 25 November 2002 issued by
Bangladesh Bank, all the immovable properties of the Bank were
revalued as at 28.02.2010 by Jorip O Paridarshan Company Ltd.
an independent professionally qualified valuation firm of the
country based on market survey. Accordingly, revaluation
surplus of Tk. 1,631,599,235 for land and building included as
asset revaluation reserve at reporting date as follows: |
| |
| |
| |
| |
| |
|
|
|
|
|
|
|
|
|
|
| |
Opening balance |
|
|
|
1,631,599,235 |
|
258,463,843 |
| |
Reserve made for the year |
|
|
|
- |
|
1,373,135,392 |
| |
Closing balance as on 31 December 2011 |
|
1,631,599,235 |
|
1,631,599,235 |
|
|
|
|
|
|
|
|
|
|
|
16.00 |
Surplus in profit and loss account |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Retained earning (Note 16.01) |
|
|
1,771,949 |
|
8,282,263 |
|
|
Profit after tax |
|
|
|
|
1,650,339,616 |
|
1,551,880,726 |
|
|
Profit before appropriation |
|
|
|
1,652,111,565 |
|
1,560,162,989 |
|
|
|
|
|
|
|
|
|
|
|
|
Appropriation for the year: |
|
|
|
|
|
|
|
|
Statutory reserve |
|
|
|
610,000,000 |
|
570,000,000 |
|
|
General reserve |
|
|
|
- |
|
- |
|
|
|
|
|
|
|
610,000,000 |
|
570,000,000 |
|
|
|
|
|
|
|
|
|
|
|
|
Retained surplus |
|
|
|
1,042,111,565 |
|
990,162,989 |
|
|
|
|
|
|
|
|
|
|
|
16.a |
Consolidated Surplus in profit and loss account |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Uttara Bank Limited |
|
|
|
1,042,111,565 |
|
990,162,989 |
| |
UB Capital and Investment Limited |
|
|
4,609,644 |
|
- |
| |
|
|
|
|
|
1,046,721,209 |
|
990,162,989 |
|
|
|
|
|
|
|
|
|
|
|
16.01 |
Retained earning |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Opening balance |
|
|
|
990,162,989 |
|
8,282,263 |
| |
Issue of bonus share and cash dividend for 2010 |
(958,391,040) |
|
- |
| |
Transferred to general reserve |
|
|
(30,000,000) |
|
- |
|
|
Closing balance |
|
|
|
1,771,949 |
|
8,282,263 |
|
|
|
|
|
|
|
|
|
|
|
17.00 |
Contingent Liabilities |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
Letter of guarantees |
|
|
|
1,806,640,538 |
|
1,759,129,983 |
| |
Irrevocable letters of credit |
|
|
|
5,451,357,766 |
|
5,279,474,336 |
| |
Bills for collection |
|
|
|
- |
|
- |
| |
Other contingent liabilities |
|
|
|
2,602,042,149 |
|
2,338,984,000 |
|
|
|
|
|
|
|
9,860,040,453 |
|
9,377,588,319 |
|
|
|
|
|
|
|
|
|
|
| |
|
|
|
|
|
Amount in Taka |
| |
|
|
|
|
|
as at |
|
|
|
|
|
|
|
|
|
|
| |
|
|
|
|
|
31-Dec-11 |
|
31-Dec-10 |
|
|
|
|
|
|
|
|
|
|
|
17.01 |
Letter of guarantees |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
Letter of Guarantee on behalf of Coustomer |
|
1,647,259,538 |
|
1,581,868,983 |
| |
Letter of Guarantee on behalf of Directors |
|
- |
|
- |
| |
Letter of Guarantee on behalf of Government |
|
- |
|
- |
| |
Letter of Guarantee on behalf of Bank& Others |
|
|
|
|
| |
Letter of Guarantee on behalf of Financial Institution |
|
159,381,000 |
|
177,261,000 |
| |
|
|
|
|
|
1,806,640,538 |
|
1,759,129,983 |
| |
|
|
|
|
|
|
|
|
|
17.02 |
Irrevocable letters of credit |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
Letter of credit on behalf of Coustomer |
|
5,443,469,766 |
|
5,104,993,336 |
| |
Letter of credit on behalf of Directors |
|
- |
|
- |
| |
Letter of credit on behalf of Government |
|
7,888,000 |
|
174,481,000 |
| |
Letter of credit on behalf of Others |
|
|
- |
|
- |
| |
|
|
|
|
|
5,451,357,766 |
|
5,279,474,336 |
|
|
|
|
|
|
|
|
|
|
|
17.03 |
Bills for collection |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
Bills for collection on behlaf of Coustmers |
|
- |
|
- |
| |
|
|
|
|
|
|
|
|
|
17.04 |
Other contingent liabilities |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
IFBC on behlaf of Coustomers |
|
|
2,602,042,149 |
|
2,338,984,000 |
| |
IFBC on behlaf of Directors |
|
|
|
- |
|
- |
| |
IFBC on behlaf of Government |
|
|
- |
|
- |
| |
IFBC on behlaf of Others |
|
|
|
- |
|
- |
| |
|
|
|
|
|
2,602,042,149 |
|
2,338,984,000 |
| |
|
|
|
|
|
|
|
|
|
18.00 |
Income |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
Interest, discount and similar income
(Note- 18.01) |
6,604,198,304 |
|
4,841,862,389 |
| |
Dividend income |
|
|
|
6,591,246 |
|
25,794,363 |
| |
Fee, commission and brokerage |
|
|
975,334,057 |
|
547,466,914 |
| |
Gains less losses arising from dealing in securities |
494,699,774 |
|
380,991,509 |
| |
Gains less losses arising from investment in securities |
1,702,974,382 |
|
2,180,799,218 |
| |
Gains less losses arising from dealing in foreign currencies |
11,800,171 |
|
10,632,093 |
| |
Income from non-banking assets |
|
|
- |
|
- |
| |
Other operating income |
|
|
|
872,603,275 |
|
780,671,115 |
| |
Profit less losses on interest rate changes |
|
- |
|
- |
| |
Total income |
|
|
|
|
10,668,201,209 |
|
8,768,217,601 |
|
|
|
|
|
|
|
|
|
|
| |
Expenses |
|
|
|
|
|
|
|
| |
Interest paid on deposits, borrowings etc
(Note - 19.00) |
4,148,108,568 |
|
2,959,915,391 |
| |
Administrative expenses (Note -
19.02) |
|
2,634,558,864 |
|
1,960,041,500 |
| |
Charges on loan losses account |
|
|
86,643,022 |
|
- |
| |
Depreciation on banking assets (Note
- 31.03) |
113,113,493 |
|
108,342,468 |
| |
Other operating expenses (Note -
32.00) |
|
535,437,646 |
|
673,037,516 |
| |
Total expenses |
|
|
|
|
7,517,861,593 |
|
5,701,336,875 |
|
|
|
|
|
|
|
|
|
|
| |
Gross profit |
|
|
|
|
3,150,339,616 |
|
3,066,880,726 |
| |
|
|
|
|
|
|
|
|
| |
|
|
|
|
|
Amount in Taka |
| |
|
|
|
|
|
for the year |
|
|
|
|
|
|
|
|
|
|
| |
|
|
|
|
|
2011 |
|
2010 |
|
|
|
|
|
|
|
|
|
|
|
18.01 |
Interest income |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
Loan, cash credit, over draft etc.
(Note - 18.02) |
6,551,327,865 |
|
4,736,932,651 |
| |
Call loans to Banks |
|
|
|
15,690,086 |
|
43,292,528 |
| |
Balance with foreign Banks |
|
|
|
6,386,520 |
|
4,264,988 |
| |
Balance with other Banks |
|
|
|
30,793,833 |
|
57,372,222 |
| |
|
|
|
|
|
6,604,198,304 |
|
4,841,862,389 |
| |
|
|
|
|
|
|
|
|
|
18.02 |
Loan, cash credit & over draft etc. |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
Over draft (Note - 18.02.a) |
|
|
|
299,149,490 |
|
230,155,831 |
| |
Cash credit |
|
|
|
|
3,022,172,312 |
|
1,932,559,048 |
| |
Loan accounts (Note - 18.02.b) |
|
|
1,087,359,187 |
|
943,187,484 |
| |
Bills discounted and purchased |
|
|
511,614,862 |
|
354,637,266 |
| |
Loan against imported merchandise |
|
118,474,963 |
|
55,447,942 |
| |
Loan against trust receipt |
|
|
|
536,738,812 |
|
397,316,278 |
| |
Payment against documents |
|
|
|
140,412,687 |
|
92,870,538 |
| |
Over draft export |
|
|
|
13,615,655 |
|
10,993,428 |
| |
Agri & rural credit |
|
|
|
109,864,004 |
|
58,517,549 |
| |
Lease financing |
|
|
|
|
67,832,688 |
|
38,085,549 |
| |
Consumers financing (Note - 18.02.c) |
|
577,168,593 |
|
549,465,456 |
| |
Sundry accounts |
|
|
|
66,924,612 |
|
73,696,282 |
| |
|
|
|
|
|
6,551,327,865 |
|
4,736,932,651 |
|
|
|
|
|
|
|
|
|
|
|
18.02.a |
Over draft |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
Interest on over draft |
|
|
|
175,242,865 |
|
126,277,247 |
| |
Interest on loan against DPS |
|
|
|
6,884,191 |
|
2,119,370 |
| |
Interest on loan against FDR |
|
|
|
86803969 |
|
58,610,923 |
| |
Interest on loan against share/securities |
|
16,762,353 |
|
29,081,419 |
| |
Interest on loan against work order |
|
|
13,456,112 |
|
14,066,872 |
| |
|
|
|
|
|
299,149,490 |
|
230,155,831 |
|
|
|
|
|
|
|
|
|
|
|
18.02.b |
Loan accounts |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
Interest on loan accounts |
|
|
|
144,704,500 |
|
98,311,181 |
| |
Interest on WES L/c loan |
|
|
|
45,687 |
|
- |
| |
Interest on small business loan |
|
|
26,781,153 |
|
28,854,748 |
| |
Interest on staff house building loan |
|
|
73,881,379 |
|
34,494,409 |
| |
Interest on term loan/project loan |
|
|
821,804,288 |
|
766,958,830 |
| |
Interest on import L/c/Demand loan |
|
20,142,180 |
|
14,568,316 |
| |
|
|
|
|
|
1,087,359,187 |
|
943,187,484 |
|
|
|
|
|
|
|
|
|
|
|
18.02.c |
Consumers financing |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
Interest on consumer loan |
|
|
|
8,887,306 |
|
9,646,906 |
| |
Interest on personal laon |
|
|
|
16,025 |
|
43,500 |
| |
Interest on house repairing and renovation loan |
568,265,262 |
|
539,775,050 |
| |
|
|
|
|
|
577,168,593 |
|
549,465,456 |
|
|
|
|
|
|
|
|
|
|
|
19.00 |
Interest paid on deposits and borrowing etc. |
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
On deposits (Note - 19.01) |
|
|
|
3,651,343,050 |
|
2,953,156,177 |
| |
On borrowings |
|
|
|
|
496,765,518 |
|
6,759,214 |
| |
|
|
|
|
|
4,148,108,568 |
|
2,959,915,391 |
| |
|
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
|
| |
|
|
|
|
|
Amount in Taka |
| |
|
|
|
|
|
for the year |
|
|
|
|
|
|
|
|
|
|
| |
|
|
|
|
|
2011 |
|
2010 |
| |
|
|
|
|
|
|
|
|
|
19.a |
Consolidated Interest paid on deposits and borrowing etc. |
|
|
|
| |
|
|
|
|
|
|
|
|
| |
Uttara Bank Limited |
|
|
|
4,148,108,568 |
|
2,959,915,391 |
| |
UBCIL inter company transaction |
|
|
(9,353,707) |
|
- |
| |
|
|
|
|
|
4,138,754,861 |
|
2,959,915,391 |
| |
|
|
|
|
|
|
|
|
|
19.01 |
Interest paid on deposits |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
Fixed deposits |
|
|
|
|
1,475,259,443 |
|
1,176,206,250 |
| |
Special Notice Deposit |
|
|
|
146,795,606 |
|
178,331,165 |
| |
Savings Banks deposits |
|
|
|
805,583,763 |
|
762,367,050 |
| |
Deposits pension scheme |
|
|
|
7,754,248 |
|
7,285,723 |
| |
NFCD A/c |
|
|
|
|
5,666,446 |
|
5,362,854 |
| |
Double benefit deposit scheme |
|
|
517,409,276 |
|
471,610,550 |
| |
Monthly deposit scheme |
|
|
|
562,171,307 |
|
339,059,131 |
| |
BO Account |
|
|
|
|
122,959,444 |
|
- |
| |
Sundry accounts |
|
|
|
7,743,517 |
|
12,933,454 |
| |
|
|
|
|
|
3,651,343,050 |
|
2,953,156,177 |
|
|
|
|
|
|
|
|
|
|
|
19.02 |
Administrative expenses |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
Salary and allowances (excluding MD's salary, allowance) |
2,200,353,628 |
|
1,593,059,378 |
| |
Rent, taxes,insurance,electricity etc. |
|
|
246,142,347 |
|
194,414,151 |
| |
Legal expenses |
|
|
|
|
10,571,793 |
|
10,115,024 |
| |
Postage,stamp,telecommunication etc. |
|
40,064,254 |
|
37,249,288 |
| |
Stationery,printing,advertisements etc. |
|
79,178,405 |
|
69,706,067 |
| |
Managing Director's salary & allowances |
|
10,627,301 |
|
10,614,666 |
| |
Directors' fees |
|
|
|
|
2,670,000 |
|
2,392,000 |
| |
Auditors' fees |
|
|
|
|
500,000 |
|
300,000 |
| |
Repair of Bank's property (Note -
31.01) |
|
9,723,352 |
|
8,944,087 |
| |
Maintainance of Bank's property (Note
- 31.02) |
34,727,784 |
|
33,246,839 |
| |
|
|
|
|
|
2,634,558,864 |
|
1,960,041,500 |
| |
|
|
|
|
|
|
|
|
|
20.00 |
Income from investment |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
Interest on treasury bills/bonds |
|
|
2,376,446,359 |
|
1,568,077,300 |
| |
Interest on debentures |
|
|
|
4,386,974 |
|
6,174,983 |
| |
Dividend received |
|
|
|
6,591,246 |
|
25,794,363 |
| |
Interest on Govt securities |
|
|
|
8,860,266 |
|
3,910,428 |
| |
Gain on securities sale |
|
|
|
698,376,668 |
|
504,161,578 |
| |
Inerest on amortization T.Bill (HFT) |
|
|
89,691,542 |
|
146,860,259 |
| |
Iinterest received on REPO and reverse REPO |
- |
|
532,280 |
| |
Interest paid on REPO and reverse REPO |
|
(776,410,759) |
|
(25,136,817) |
| |
Loss on securities sale |
|
|
|
(203,676,894) |
|
(23,780,793) |
| |
|
|
|
|
|
2,204,265,402 |
|
2,206,593,581 |
|
|
|
|
|
|
|
|
|
|
|
21.00 |
Commission, exchange and brokerage |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
Commission (Note - 21.01) |
|
|
|
571,081,433 |
|
547,466,914 |
| |
Exchange Gain (Note - 21.02) |
|
|
416,052,795 |
|
391,623,602 |
| |
|
|
|
|
|
987,134,228 |
|
939,090,516 |
| |
|
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
|
|
|
|
|
Amount in Taka |
| |
|
|
|
|
|
for the year |
|
|
|
|
|
|
|
|
|
|
| |
|
|
|
|
|
2011 |
|
2010 |
|
|
|
|
|
|
|
|
|
|
|
21.01 |
Commission |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
Comm on SC, LSC, DD, TT, MT,PO. |
|
168,825,846 |
|
180,244,020 |
| |
Comm Opng/Amd/Cncl of Fgn L/C. |
|
138,521,715 |
|
116,708,421 |
| |
Comm on Ong/Amd. Cncl of Local L/c |
|
34,747,556 |
|
35,909,198 |
| |
Comm on issnc. of Fogn. Grnt./Counter Grnt. |
2,823,424 |
|
2,219,936 |
| |
Comm on issnc. of local Grnt. |
|
|
18,859,708 |
|
25,241,455 |
| |
Under writting com. sell on govt. sector |
|
15,540,995 |
|
11,974,250 |
| |
Comm on ATM transaction |
|
|
|
128,068 |
|
66,492 |
| |
Comm on issnce of T.C |
|
|
|
196,159 |
|
387,807 |
| |
Comm on other transations |
|
|
|
191,437,962 |
|
174,715,335 |
| |
|
|
|
|
|
571,081,433 |
|
547,466,914 |
|
|
|
|
|
|
|
|
|
|
|
21.02 |
Exchange (Gain/Loss) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
Exchange (general) |
|
|
|
591,758,546 |
|
412,019,561 |
| |
Exchange gain on foreign bill purchased |
|
23,080,924 |
|
6,603,962 |
| |
Exchange gain on foreign exchange business |
11,803,595 |
|
10,660,157 |
| |
Exchange gain on others |
|
|
|
38,969,158 |
|
16,137,863 |
| |
Exchange loss on foreign exchange business |
|
(249,559,428) |
|
(53,797,941) |
| |
|
|
|
|
|
416,052,795 |
|
391,623,602 |
|
|
|
|
|
|
|
|
|
|
|
22.00 |
Other operating income |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
Postage |
|
|
|
|
15,947,399 |
|
18,673,556 |
| |
Telegram charge recovery |
|
|
|
153,530 |
|
58,710 |
| |
Telex and fax charge recovery |
|
|
28,875,868 |
|
31,065,105 |
| |
Telephone/charge recovery |
|
|
|
26,878,415 |
|
31,101,624 |
| |
F.C.charge recovery |
|
|
|
300,105 |
|
4,171,026 |
| |
Rents |
|
|
|
|
50,447,883 |
|
47,547,614 |
| |
Income/gain on sale of Bank 's properties |
|
3,090,502 |
|
402,925 |
| |
Income/gain on sale of non banking assets |
|
471,765 |
|
422,207 |
| |
Electricity & Gas bill charge recovery |
|
4,094,796 |
|
4,912,846 |
| |
ATM service Charges |
|
|
|
- |
|
423,735 |
| |
Extra Ordinary Gain |
|
|
|
- |
|
55,578,852 |
| |
Recovery of loan previously written off |
|
523,497,701 |
|
322,141,271 |
| |
Cost of MICR cheque recovered |
|
|
2,247,340 |
|
1,525,069 |
| |
Other income (Note - 22.01) |
|
|
|
216,597,971 |
|
262,646,575 |
| |
|
|
|
|
|
872,603,275 |
|
780,671,115 |
| |
|
|
|
|
|
|
|
|
|
22.a |
Consolidated other operating income |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
Uttara Bank Limited |
|
|
|
872,603,275 |
|
780,671,115 |
| |
UB Capital and Investment Limited |
|
|
(1,016,400) |
|
- |
| |
|
|
|
|
|
871,586,875 |
|
780,671,115 |
| |
|
|
|
|
|
|
|
|
|
22.01 |
Other income |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
Income from lease financing |
|
|
|
2,101,280 |
|
1,598,632 |
| |
Service charges /bus fare collection |
|
|
38,766,987 |
|
50,450,380 |
| |
Service charges |
|
|
|
|
64,843,438 |
|
63,085,245 |
| |
Misc. income |
|
|
|
|
110,886,266 |
|
147,512,318 |
| |
|
|
|
|
|
216,597,971 |
|
262,646,575 |
| |
|
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
|
| |
|
|
|
|
|
Amount in Taka |
| |
|
|
|
|
|
for the year |
|
|
|
|
|
|
|
|
|
|
| |
|
|
|
|
|
2011 |
|
2010 |
|
|
|
|
|
|
|
|
|
|
|
23.00 |
Salary and allowances (excluding MD's salary, allowances) |
|
|
|
|
|
|
|
|
|
|
|
|
| |
Basic salary |
|
|
|
|
685,956,143 |
|
499,121,440 |
| |
House rent allowances |
|
|
|
420,089,682 |
|
266,388,388 |
| |
House maintenance allowances |
|
|
4,471,191 |
|
2,597,879 |
| |
Conveyance allowance |
|
|
|
133,698,917 |
|
82,676,732 |
| |
Madical allowances |
|
|
|
111,063,561 |
|
67,877,261 |
| |
Contributory Providend Fund |
|
|
59,688,784 |
|
45,394,982 |
| |
Bonus to employees |
|
|
|
312,596,122 |
|
188,903,293 |
| |
Gratuity |
|
|
|
|
240,000,000 |
|
240,000,000 |
| |
Other allowances |
|
|
|
232,789,228 |
|
200,099,402 |
| |
|
|
|
|
|
2,200,353,628 |
|
1,593,059,377 |
|
|
|
|
|
|
|
|
|
|
|
24.00 |
Rent, taxes, insurance, electricity etc. |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
Rent (Bank premises) |
|
|
|
109,365,579 |
|
80,863,801 |
| |
Rent (Godown) |
|
|
|
5,041,880 |
|
3,178,384 |
| |
Rates & taxes |
|
|
|
|
54,513,653 |
|
36,747,722 |
| |
Insurance |
|
|
|
|
39,136,010 |
|
37,909,510 |
| |
Lighting & electric fittings |
|
|
|
38,085,225 |
|
35,714,734 |
| |
|
|
|
|
|
246,142,347 |
|
194,414,151 |
|
|
|
|
|
|
|
|
|
|
|
25.00 |
Legal expenses |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
Lawyer charges |
|
|
|
4,707,504 |
|
4,831,416 |
| |
Court fees and other expenses |
|
|
5,864,289 |
|
5,283,608 |
| |
|
|
|
|
|
10,571,793 |
|
10,115,024 |
|
|
|
|
|
|
|
|
|
|
|
26.00 |
Postage, stamp and tele communication |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
Postage & telegram |
|
|
|
13,401,483 |
|
12,283,247 |
| |
Telex & fax etc. |
|
|
|
|
76,442 |
|
126,658 |
| |
Stamps |
|
|
|
|
32,453 |
|
61,897 |
| |
Telephone( office) |
|
|
|
11,886,645 |
|
12,590,187 |
| |
Telephone (residence) |
|
|
|
582,945 |
|
824,940 |
| |
SWIFT |
|
|
|
|
6,766,484 |
|
6,770,153 |
| |
Internet |
|
|
|
|
2,334,045 |
|
1,765,259 |
| |
Foreign Correspondence Charges |
|
|
2,234 |
|
10,280 |
| |
Charges Account Data Connectivity |
|
4,766,504 |
|
2,691,162 |
| |
Charges Account SMS Notification Service |
|
215,019 |
|
125,506 |
| |
|
|
|
|
|
40,064,254 |
|
37,249,289 |
|
|
|
|
|
|
|
|
|
|
|
27.00 |
Stationery, printing, advertisement etc. |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
Stationery |
|
|
|
|
12,431,897 |
|
9,701,095 |
| |
Comupter accessories |
|
|
|
18,921,526 |
|
17,927,237 |
| |
Printing and stationery |
|
|
|
15,653,607 |
|
11,740,709 |
| |
Consumption of books & forms |
|
|
16,604,851 |
|
16,678,540 |
| |
Advertisement |
|
|
|
|
11,469,469 |
|
12,178,930 |
| |
MICR cheque book |
|
|
|
4,097,055 |
|
1,479,556 |
| |
|
|
|
|
|
79,178,405 |
|
69,706,067 |
|
|
|
|
|
|
|
|
|
|
|
28.00 |
Managing Director's salary & allowances
and Fees |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
Salary and allowances |
|
|
|
10,627,301 |
|
10,614,666 |
| |
Meeting fees |
|
|
|
|
- |
|
- |
| |
|
|
|
|
|
10,627,301 |
|
10,614,666 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Amount in Taka |
|
|
|
|
|
|
|
for the year |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
2011 |
|
2010 |
|
|
|
|
|
|
|
|
|
|
|
29.00 |
Directors' Fees |
|
|
|
|
2,670,000 |
|
2,392,000 |
|
|
|
|
|
|
|
|
|
|
|
30.00 |
Auditors' fees |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Statutory annual audit fees |
|
|
|
500,000 |
|
300,000 |
|
|
|
|
|
|
|
|
|
|
|
31.00 |
Repair, maintenance and depreciation of Bank's
property |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Repair of Bank's property (Note - 31.01) |
|
|
9,723,352 |
|
8,944,087 |
|
|
Maitainance of Bank's property (Note
- 31.02) |
|
|
34,727,784 |
|
33,246,839 |
|
|
Depreciation of fixed assets (Note -
31.03) |
|
|
113,113,493 |
|
108,342,468 |
|
|
|
|
|
|
|
157,564,629 |
|
150,533,394 |
|
|
|
|
|
|
|
|
|
|
|
31.01 |
Repair of Bank's property |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Furniture & fixture |
|
|
|
1,286,996 |
|
902,539 |
|
|
Machineries & equipments |
|
|
|
8,436,356 |
|
8,041,548 |
|
|
|
|
|
|
|
9,723,352 |
|
8,944,087 |
|
|
|
|
|
|
|
|
|
|
|
31.02 |
Maintenance of Bank's property |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Bank premises |
|
|
|
|
11,987,432 |
|
15,065,705 |
|
|
Motor vehicles |
|
|
|
|
15,565,093 |
|
14,514,475 |
|
|
Office appliance |
|
|
|
5,589,229 |
|
2,127,243 |
|
|
Head Office lift |
|
|
|
|
1,586,030 |
|
1,539,416 |
| |
|
|
|
|
|
34,727,784 |
|
33,246,839 |
|
|
|
|
|
|
|
|
|
|
|
31.03 |
Depreciation of fixed assets |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Furniture and fixtures |
|
|
|
21,193,168 |
|
19,783,796 |
|
|
Motor vehicles |
|
|
|
|
15,240,705 |
|
14,399,479 |
|
|
Office appliance |
|
|
|
42,138,455 |
|
42,499,383 |
|
|
Bank premises |
|
|
|
|
27,074,961 |
|
26,471,877 |
|
|
Software |
|
|
|
|
7,466,204 |
|
5,187,933 |
|
|
|
|
|
|
|
113,113,493 |
|
108,342,468 |
|
|
|
|
|
|
|
|
|
|
|
32.00 |
Other expenses |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Repair to rented property |
|
|
|
109,161 |
|
119,643 |
|
|
Travelling expenses |
|
|
|
15,596,941 |
|
13,570,429 |
|
|
Entertainment |
|
|
|
|
15,737,627 |
|
14,461,523 |
|
|
Honorarium & awards |
|
|
|
27,805,333 |
|
1,059,648 |
|
|
Books,newspaper & periodicals |
|
|
1,532,602 |
|
1,560,527 |
|
|
Remittance of cash |
|
|
|
8,822,414 |
|
8,340,163 |
|
|
Conveyance |
|
|
|
|
15,088,353 |
|
13,625,113 |
|
|
Subscription & donation |
|
|
|
19,714,305 |
|
42,138,096 |
|
|
Business development |
|
|
|
23,659,469 |
|
9,061,948 |
|
|
Liveries & uniforms |
|
|
|
2,792,630 |
|
2,728,667 |
|
|
Welfare & recreation |
|
|
|
10,139,233 |
|
17,290,223 |
|
|
Collie & cartage |
|
|
|
1,290,554 |
|
1,090,350 |
|
|
Loss on sale of Bank's properties |
|
|
675,413 |
|
962,729 |
|
|
Photocopy expenses |
|
|
|
3,731,545 |
|
3,238,843 |
|
|
Branch opening/shifting expenses |
|
|
1,537,270 |
|
1,297,944 |
|
|
Gun licence fees |
|
|
|
719,995 |
|
384,681 |
|
|
Fuel consumption |
|
|
|
32,521,892 |
|
37,376,411 |
|
|
Training Expenses |
|
|
|
669,733 |
|
454,798 |
|
|
Professional expenses/Saturday banking allowances |
|
1,507,861 |
|
6,090,352 |
|
|
Excise duty and Development surcharge |
|
403,376 |
|
609,737 |
|
|
CDBL expenses |
|
|
|
|
11,323,742 |
|
18,900 |
|
|
Revaluation loss on Govt. securities |
|
|
324,180,508 |
|
485,871,320 |
|
|
CIB Reporting expenses |
|
|
| |