Profit and Loss Account (Un-audited) 
for the Period ended 30 September 2009
(Figures in BDT)
Income and Expenditure  
Jan.- Sept. 2009
  
Jan.- Sept. 2008
  
Jul.- Sept. 2009
  
Jul.- Sept. 2008
Interest Income  
5,882,647,572
 
4,880,017,963
 
1,977,773,460
 
1,744,844,546
Less :Interest paid on Deposits, Borrowings, etc.  
2,868,594,625
 
2,058,722,422
  
945,718,125
   
745,469,028
Net Interest  Income  
3,014,052,947
 
2,821,295,541
 
1,032,055,335
   
999,375,518
 Income from Investment    
607,295,880
   
418,230,412
  
193,140,154
   
152,520,598
Commission, Exchange and Brokerage    
801,682,732
   
838,539,349
  
200,026,198
   
246,433,916
Other Operating Income    
207,430,967
   
430,837,082
    
71,971,629
    
47,146,980
Total Operating Income  
4,630,462,526
 
4,508,902,384
 
1,497,193,316
 
1,445,477,012
Salaries and allowances  
1,080,811,515
 
1,059,954,486
  
398,110,966
   
398,807,618
Rent, Taxes, Insurance, Electricity etc.    
119,180,765
    
98,115,965
    
35,634,117
    
30,118,633
Legal Expenses       
8,258,799
      
7,283,171
      
3,524,545
      
2,366,403
Postage, Stamp, Telecommunication etc.      
38,429,311
    
37,983,278
    
13,336,212
    
12,622,542
Stationery, Printing, Advertisement, etc.      
64,465,604
    
51,409,767
    
20,759,576
    
15,615,998
Managing Director's  salary and fees       
3,850,000
      
3,850,000
      
1,450,000
      
1,450,000
Directors'  Fees       
3,545,599
      
2,556,984
      
1,475,147
         
585,044
Charges on loan losses       
7,696,628
      
5,021,809
      
7,623,798
           
50,168
Auditors' Fee                   
-  
                 
-  
                 
-  
                 
-  
Repair,maintanence and depreciation of fixed assets      
73,785,878
    
65,098,598
    
26,704,967
    
22,346,936
Other Expenses    
622,381,086
   
483,641,530
  
184,590,959
   
159,502,486
Total Operating Expenses  
2,022,405,185
 
1,814,915,588
  
693,210,287
   
643,465,828
Profit before Provision   
2,608,057,341
 
2,693,986,796
  
803,983,029
   
802,011,184
Provision for Loans and Advances      
50,000,000
   
140,000,000
    
50,000,000
    
80,000,000
Provision for diminution in value of Investments                   
-  
                 
-  
                 
-  
                 
-  
Provision for exposure of off-balance sheet items       
25,000,000
   
100,000,000
      
5,000,000
      
2,500,000
Other  Provisions                    
-  
                 
-  
                 
-  
                 
-  
Total Provision      
75,000,000
   
240,000,000
    
55,000,000
    
82,500,000
Profit before Taxation  
2,533,057,341
 
2,453,986,796
  
748,983,029
   
719,511,184
Current Tax  
1,108,424,370
 
1,214,026,558
  
341,692,787
   
362,637,532
Deferred Tax      
10,000,000
    
20,000,000
    
10,000,000
                 
-  
Profit  after Taxation  
1,414,632,971
 
1,219,960,238
  
397,290,242
   
356,873,652
Appropriations :
Statutory Reserve    
506,611,468
   
491,567,359
  
149,796,606
   
144,672,237
General Reserve                   
-  
                 
-  
                 
-  
                 
-  
Total Appropriations    
506,611,468
   
491,567,359
  
149,796,606
   
144,672,237
Retained Profit 

908,021,503

728,392,879

 247,493,636
212,201,415
Earning per Ordinary Share ( EPS ) 37.03 31.94 10.40 9.34
Restated
N.B: After Provisional appropriation of Operating Profit of Sept. 2009

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