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