Pubali Bank Limited
Profit and Loss Account for the year ended 31 December 2009
2009
2008
Operating Income
Notes
Taka
Taka
Interest income
20
     
8,056,637,551
   6,804,089,811
Interest paid on deposits, borrowings, etc
21
     
3,765,542,303
   2,820,169,022
Net interest income
    
4,291,095,248
   3,983,920,789
Income from investments
22
     
1,109,467,712
      449,635,057
Commission, exchange and brokerage
23
     
1,188,528,522
   1,189,620,546
Other operating income
24
        
309,179,520
      565,907,715
Total operating income
    
6,898,271,002
   6,189,084,107
Operating Expenses
Salaries and allowances
25
     
1,763,426,398
   1,664,727,158
Rent, taxes, insurance, electricity, etc
26
        
183,259,632
      144,780,138
Legal expenses
27
          
10,623,875
          8,730,106
Postage, stamp, telecommunication, etc
28
          
52,843,449
        49,771,756
Stationery, printing, advertisements, etc
29
          
81,497,617
        75,812,256
Managing Director's salary and fees
30
            6,100,000           5,300,000
Directors'  fees
31
            4,976,715           4,188,474
Charges on loan losses
         
11,065,381
          5,093,134
Auditors' fees
32
              
450,000
            450,000
Repair, maintenance and depreciation of fixed assets
33
        
119,062,609
      126,102,987
Other expenses
34
        
825,493,573
      658,265,844
Total operating expenses
    
3,058,799,249
   2,743,221,853
Profit before provisions and taxation
    
3,839,471,753
   3,445,862,254
Provisions
35
Provision for unclassified loans and advances
         
50,000,000
      240,000,000
Provision for diminution in value of investments
         
70,000,000
        15,000,000
Provision for exposure of off balance sheet items
36
          
50,000,000
        50,000,000
Total provisions
       
170,000,000
      305,000,000
Profit before taxation
    
3,669,471,753
   3,140,862,254
Provision for current tax 13.5.2     
1,574,387,628
   1,622,142,880
Provision for deferred tax 13.5.2           
2,849,849
          3,488,249
Total provision for taxes
    
1,577,237,477
   1,625,631,129
Net profit after taxes
    
2,092,234,276
   1,515,231,125
Appropriations
Statutory reserve
       
733,894,351
      628,172,451
Retained surplus (general reserve) carried forward
    
1,358,339,925
      887,058,674
Earnings per ordinary share (EPS)
43
                  
54.74
                39.64
 
Accompanying notes 1 to 43 form an integral part of these financial statements.

 
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