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Balance sheet as on 30 June 2006

Particulars

30 June 2006

30 June 2005

(Taka)

(Taka)
Assets:    
Cash in hand (including foreign currency)

8,54,48,259

8,84,01,903
Balance with Bangladesh Bank & Sonali Bank

117,55,76,245

85,75,20,735
Balance with Other Bank & Financial Institution

188,12,79,538

19,450,23,771
Investment

342,18,24,210

344,99,04,412
Loans and Advances

2471,28,99,342

2142,78,26,619
Land, Building & other fixed Assets

5,62,85,555

6,44,94,604
Other Assets

258,21,42,766

255,18,76,319
Total Assets

3391,54,55,915

3038,50,48,363
Liabilities & Capital:    
Borrowing from other Bank and Agents

1814,52,92,524

1594,88,98,940
Deposits and other Accounts

1284,87,27,465

1157,80,52,369
Other Liabilities

314,11,46,139

295,62,93,686
Total liabilities

3413,51,66,128

3048,32,44,995
Capital    
Paid-up Capital

180,00,00,000

150,00,00,000
Other reserves

20,84,90,150

20,84,90,150
Profit & Loss Account

(222,82,00,363)

(180,66,86,782)
Total Shareholders Equity

(21,97,10,213)

(9,81,96,632)
Total Liabilities & Shareholders Equity

3391,54,55,915

3038,50,48,363
Total Off Balance Sheet Items    
Contingent Liabilities

70,09,82,470

52,60,75,006

 

Profit & Loss Account as on 30 June 2006

Particulars
30 June 2006
30 June 2005
(Taka)
(Taka)
Interest Income

161,61,00,156

148,57,61,793
Less: Interest paid on Deposit and Borrowing

119,33,65,420

101,05,45,779
Net Interest Income

42,27,34,736

47,52,16,014
Income from Investment

30,41,004

32,10,201
Commission, Exchange & Brokerage

2,65,50,084

2,57,98,144
Other Operational Income

9,00,01,826

8,81,95,651
Total Operational Income

54,23,27,650

59,24,20,010
Salary and Allowances

58,54,33,311

53,27,24,584
Rent, Taxes, Insurance, Lighting etc.

3,99,17,744

3,40,96,178
Law charges

15,67,028

18,78,566
Postage, Telegram, Telephone and Stamp

54,60,922

58,44,069
Stationary, Printing and Advertisement

1,30,20,128

1,26,35,564
Pay and Allowances of Managing Director

2,98,479

3,54,799
Audit Fee

8,10,000

8,49,000
Directors and Local Committee Members Fee

2,82,041

3,12,919
Expenditure for Interest Remission & Write off

2,82,214,208

32,94,06,474
Depreciation and Repairs of Bank Property

90,35,489

82,51,565
Other Expenses

2,58,01,881

3,24,47,952
Total Operational Expenses

96,38,41,231

95,88,01,670
Profit/ (Loss) before Provision

(42,15,13,581)

(36,63,81,660)
Profit/ (Loss) before Tax

(42,15,13,581)

(36,63,81,660)
Profit/ (Loss) after Tax
-
-
Surplus
-
-

 

Select Statistics as on 30 June 2006

Particulars

30 June 2006

30 June 2005

 

(Taka)

(Taka)

 

Paid-up-Capital

180,00,00,000

150,00,00,000

Total Capital

(21,97,10,213)

(9,81,96,632)

Capital Surplus (Deficit)

(263,04,00,000)

(212,41,00,000)

Total Assets

3391,54,55,915

3038,50,48,363

Total Deposit

1284,87,27,465

1157,80,52,369

Total Loans & Advances

2471,28,99,342

2142,78,56,619

Total Contingent Liability

70,09,82,470

52,60,75,006

Loan Deposit Ratio

1 : 0.52

01:0.5

Ratio of Classified Loan against Total Loan & Advances

1 : 0.27

01:0.3

Profit/ (Loss) before Tax

(42,15,13,581)

(36,63,81,660)

Amount of Classified Loan

671,62,55,000

640,74,86,000

Provision for Classified Loan

165,23,22,000

165,23,22,000

Provision Surplus/ Deficit

(47,16,50,000)

0

Cost of Fund

7.51 %

6.60%

Interest Earning Assets

2335,08,35,739

1643,08,59,947

Non Performing Assets

1056,46,20,175

980,27,16,410

Return on Investment (ROI)

30,41,004

3210201

Return on Assets (ROA)

173,56,93,070

1602965789

Interest on Investment

-

-

Income per Share

- -

Income per Share

- -

Income Price Ratio

- -