Notes		2011		2010
OPERATING INCOME
Interest Income		18.1		6,604,198,304		4,841,862,389
Interest paid on deposits, borrowings etc.		19.a		4,138,754,861		2,959,915,391
Net Interest Income				2,465,443,443		1,881,946,998
Income from Investment		20		2,204,265,402		2,206,593,581
Commission, Exchange and Brokerage		21		987,134,228		939,090,516
Other Operating Income		22.a		871,586,875		780,671,115
Total operating income				6,528,429,948		5,808,302,210
OPERATING EXPENSES
Salary and allowances.		23		2,200,353,628		1,593,059,377
Rent, taxes,insurance,electricity etc.		24		246,142,347		194,414,151
Legal expenses		25		10,571,793		10,115,024
Postage,stamp,telecommunication etc.		26		40,064,254		37,249,289
Stationery,printing,advertisements etc.		27		79,178,405		69,706,067
Managing Director's salary & allowances and fees		28		10,627,301		10,614,666
Directors' fees		29		2,670,000		2,392,000
Auditors' fees		30		500,000		300,000
Charges on Loan losses account				86,643,022		-
Repair, maintenance and depreciation of Bank's property		31		157,564,629		150,533,394
Other expenses		32.a		536,399,080		673,037,516
Total operating expenses				3,370,714,459		2,741,421,484
Profit before  provision				3,157,715,489		3,066,880,726
Provision				150,000,000		265,000,000
Provision for loans & advances & off balance sheet exposures		33		150,000,000		240,000,000
Provision for Others		34		-		20,000,000
Transfer to benevolent fund				-		5,000,000
Profit before tax				3,007,715,489		2,801,880,726
Provision for Taxation				1,352,765,952		1,250,000,000
Current tax				1,317,621,521		1,239,639,400
Deferred tax				35,144,431		10,360,600
Profit after taxation				1,654,949,537		1,551,880,726
Non Controlling Interest				(277)		-
Profit after taxation-without Non Controlling Interest				1,654,949,260		1,551,880,726
Retained earning brought forward		16.1		1,771,949		8,282,263
Profit available for appropriation				1,656,721,209		1,560,162,989
Appropriation				610,000,000		570,000,000
Statutory reserve				610,000,000		570,000,000
General reserve				-		-
Retained surplus		16.a		1,046,721,209		990,162,989
Earning per share (EPS)		39.a		5.76		5.40
Accompanying notes 1 to 41 form an integral part of these financial statements.