Notes-I
			30-06-2007		30-06-2006
			Taka		Taka
3.00	Cash :                                          Tk.	223,599,239
	Cash in Hand
	Local currency		4,842,230		5,652,376
	Foreign currency		-		-
	Balance with Bangladesh Bank (3.01)		218,757,009		327,753,972
			223,599,239		333,406,348
3.01	Balance with Bangladesh Bank :  Tk.	218,757,009
	Local currency		200,437,873		309,864,624
	Foreign currency		18,319,136		17,889,348
			218,757,009		327,753,972
3.02	Cash Reserve Requirement (CRR) and Statutory Liquidity Ratio (SLR)
	Cash Reserve Requirements (CRR) and Statutory Liquidity Ratio (SLR) have been calculated and maintained in accordance with the Section 33 of the Bank Companies Act 1991 and subsequent BCD Circular # 13 dated 24 May  1992; BRPD Circular # 12, dated 20 Sept, 1999, BRPD Circular No. 22 dated Novemebr 6, 2003, and BRPD circular # 11, dated 25 November 2005.
3.02.01	Cash Reserve Requirements (CRR) : 5% of average demand and time liabilities
	Required reserve		33263000		33,800,000
	Actual reserve held with Bangladesh Bank		218757009		327,753,972
	Surplus		185,494,009		293,953,972
3.02.02	Statutory Liquidity Ratio (SLR) : 13%
	This is not applicable for Bangladesh Shilpa Bank.
4.00	Balance with Other Banks & :     Tk.	26,932,509
	Financial Institutions
	In Bangladesh		13,918,907		7,686,306
	Outside Bangladesh(4.01)		13,013,602		13,700,823
			26,932,509		21,387,129
4.01	Outside Bangladesh :                   Tk.	13,013,602
	Standard Chartered Bank, USA		8,494,603		9,082,381
	INGBHF Bank AG, Germany		3,410,964		2,385,235
	Commerz Bank, Germany		-		1,109,720
	Sonali Bank, India		1,108,035		1,123,487
			13,013,602		13,700,823
4.02	Current A/c. & Other A/c. :       Tk.	26,932,509
	Current account		26,932,509		21,387,129
	Savings account		-		-
			26,932,509		21,387,129
4.03	Maturity-wise Grouping :             Tk.	26,932,509
	On demand		26,932,509		21,387,129
	Up to 3 months				-
	More than 3 months to 12 months				-
	More than 1 year to 5 years				-
	More than 5 years				-
			26,932,509		21,387,129
5.00	Money at Call & Short Notice :     Tk.	240,065,971
	Inside Bangladesh (5.01)		240,065,971		430,064,326
	Outside Bangladesh				-
			240,065,971		430,064,326
5.01	Inside Bangladesh :                      Tk.	240,065,971
	Janata Bank, Local office		26,917		26,207
	Janata Bank, Janata Bhaban Branch		24,661		24,020
	Sonali Bank, Foreign Exchange Corporate Branch		14,393		14,099
	Eastern bank		40,000,000		0
	Brac bank		200,000,000		0
	Investment Corporation Of Bangladesh		-		350,000,000
	A B Bank Limited		-		80,000,000
			240,065,971		430,064,326
6.00	Investments :                              Tk.	2,507,541,406
	(a) Government Securities
	ii) Government securities (6.02)		160,893,200		160,855,600
	iii) Other investment (6.03)		2,346,648,206		2,623,713,689
			2,507,541,406		2,784,569,289
							#REF!
6.01	Maturity Wise Grouping of :       Tk.	2,507,541,406
	Investments
	On demand		1,846,200		1,808,600
	Less than three months		1,984,724,055		2,274,724,055
	More than three months but less than one year		191,657,131		176,032,614
	More than one year but less than five years		159,047,000		159,047,000
	More than five years		170,267,020		172,957,020
			2,507,541,406		2,784,569,289
6.02	Government Securities :              Tk.	160,893,200
	5% Treasury Bond 2008		112,700,000		112,700,000
	5% Treasury Bond 2009		46,347,000		46,347,000
	Prize Bond		1,846,200		1,808,600
			160,893,200		160,855,600
6.03	Other investments :                     Tk.	2,346,648,206
	Shares (6.03.1)		191,657,132		176,032,614
	Debentures		56,786,000		56,786,000
	Others (6.03.2)		2,098,205,074		2,390,895,075
			2,346,648,206		2,623,713,689
6.03.1	Investment in Shares(Annexure-E) :		191,657,132		176,032,614
	Market price of the above share as on 30.06.2007 was Tk. 354,819,000 against cost price Tk. 191,657,132.
6.03.2	Others :                                        Tk.	2,098,205,074
	Term deposit		770,100,000		940,100,000
	Other equity investment		113,363,920		116,053,920
	Investment in share under EFAS-1983		117,100		117,100
	BSB depreciation fund investment (6.03.2.1)		159,624,054		159,624,055
	Building fund investment		65,000,000		65,000,000
	BB loan redemption fund investment (6.03.2.2)		990,000,000		1,110,000,000
			2,098,205,074		2,390,895,075
6.03.2.1	BSB depreciation fund investment
	Depreciation Fund was created with a view to meeting capital replacement obligation of the organisation as per directive of Ministry of Finance through Office Memorandum # MF(ABW-3)MISC-17/85/94(13) dated the 15th August, 1985. The Board of Directors of the bank at its 100th ordinary meeting held on the 19th January, 1988 approved the creation and investment of the fund in Government approved securities/ term deposit for use of the fund, when necessary for the purpose mentioned above.
6.03.2.2	BB Loan redemption fund investment
	This fund has been built up by transferring Tk. 5.00 crore (6.00 crore subsequently) per month from the loan recovery amount in order to capacitate the bank to repay the rephased Bangladesh Bank(B.B) borrowings of Tk.457.54 crore in 10 equal half yearly installment started from 31st July, 2004. During the year under audit required installment have been paid.
7.00	Loans & Advances :                    Tk.	8,164,809,013	8,164,809,013		7,892,436,478
7.01	Break-up of Loans and Advances
	(i) Loans, Cash Credits and Overdrafts, etc. :
	In Bangladesh		8,164,809,013		7,892,436,478
	Outside Bangladesh		-		-
			8,164,809,013		7,892,436,478
	(ii) Bills discounted & purchased :
	Payable in Bangladesh		-		-
	Payable outside Bangladesh		-		-
			8,164,809,013		7,892,436,478
7.02	Maturity wise grouping of Loans & Advances including bills discounted & purchased Tk. 7,892,436,478
	Repayable on demand		-		-
	Repayable not more than 3 months		-		-
	Repayable over 3 months but not more than 1 year		719,282,370		505,559,487
	Repayable over 1 year but not more than 5 years		12,216,328		43,241,715
	Repayable over 5 years		7,433,310,315		7,343,635,276
			8,164,809,013		7,892,436,478
7.03	Nature-wise Loans & Advances: Tk.	8,164,809,013
	Cash credits		718,987,777		501,494,334
	Long term		6,229,599,802		6,258,877,334
	Overdrafts		294,593		4,065,153
	Bridge loan		12,216,328		43,241,715
	Staff loan		1,203,710,513		1,084,757,942
			8,164,809,013		7,892,436,478
7.04	Particulars of Advances
	i. Debts considered good in respect of which the bank is fully secured.		5,916,581,013		5,288,131,942
	ii. Debts considered good for which the bank hold no other security than the debtors personal security.
			-		-
	iii. Debts considered good and secured by the personal liabilities of one or more persons in addition to the personal security of the debtors.		-		-
	iv. Debts considered doubtful or bad not provided for.
	v. Debts due by directors or officers, employees of the banking company or any of them either severally or jointly with any other persons and debt due by companies or firms in which the directors of the banking company are interested as directors, partners or     managing agents or in the case of private companies,  as members.
			1,203,710,513		1,084,757,942
	vi. Maximum total amount of advances, including temporary advances made any time during the year to directors or managers or officers of the banking company or any of them either severally or jointly with any other persons.
			128,823,250		105,000,000
	vii. Maximum total amount of advances including temporary advances granted during the year to the company or firm in which the directors of the banking company are interested as directors, partners,  managing agents or in the case of private companies as members.
			-		-
	viii. Maximum total amount of advances including temporary advances granted during the year to the companies or firms in which the directors of the banking company are interested as directors, partners or managing agents or in the case of private companies as members.		-		-
	ix. Due from Banking Companies		-		-
	x. Classified advances on which no interest has been charged.		2,246,497,000		2,492,208,400
	(a) The balance of bad loan written off is tk.12,327,134,680 which has been written off as per Bangladesh Bank's Circular No. 02, dated 13th January, 2003 and a debt collection unit has been established to take initiative for recovery of that bad loan.
7.05	Movement of Loans and Advances  :
	Tk. 8,164,809,013
	Opening balance		7,892,436,478		8,910,675,036
	Add : Disbursed during the year		834,223,250		622,000,000
	Add : Interest charged during the year		509,366,834		1,072,761,442
			9,236,026,562		10,605,436,478
	Less : Recovery during the year		1,065,400,000		1,161,000,000
			8,170,626,562		9,444,436,478
	Less : Write off during the year		5,817,549		1,552,000,000
			8,164,809,013		7,892,436,478
7.06	Significant concentration-           Tk.	8,164,809,013
	wise grouping:
	Directors and others		-		-
	Managing Director		-		-
	Other Executives and Officers of the Bank		1,203,710,513		1,084,757,942
	Customers		294,593		4,065,153
	Industries		6,960,803,907		6,803,613,383
			8,164,809,013		7,892,436,478
7.07	Classification status of Loans       Tk.	8,164,809,013
	& Advances
	Standard		3,962,712,500		3,942,799,000
	Special Mentioned Accounts		750,158,000		260,575,000
	Sub-standard		1,731,000		1,945,000
	Doubtful		-		110,151,136
	Bad/loss		2,246,497,000		2,492,208,400