Notes-III
			30-06-2007		30-06-2006
			Taka		Taka
7.11	Sector-wise Loans & Advances: Tk.	8,164,809,013
	Industrial Sector
	Food & Allied Products		303,322,000		439464000
	Jute & Allied Fibre Products		540,044,672		549713000
	Cotton Woollen & Synthetic Textile		4,914,031,228		4518802000
	Paper, Paper Products & Printing		142,224,137		140587000
	Tannery & its Products		107,462,544		110430000
	Non-metallic Mineral products		71,356,063		86008000
	Basic Metal Products		10,832,119		13288000
	Metal Products		17,743,395		14078000
	Electrical Machinery & Goods		15,806,500		0
	Machinery & Spare Parts		47,644,104		49095000
	Transport		70,161,045		60387000
	Chemicals & Pharmaceuticals		248,024,859		255792000
	Petro-Chemicals		121,038,816		172789000
	Service Industries		225,503,221		233376000
	Miscellaneous		1,329,614,310		1248600478
	BSCIC Sponsored & BSB Financed				27000
			8,164,809,013		7,892,436,478
7.12	Movement of Written off as          Tk.	12,327,134,680
	per Bangladesh Bank's Circular
	Opening balance		12,622,336,987		11,902,567,171
	Add: Addition during the year		5,817,549		826,896,208
			12,628,154,536		12,729,463,379
	Less: Adjusted		301,019,856		107,126,392
			12,327,134,680		12,622,336,987
8.00	Premises and Fixed Assets :        Tk.	199,277,354
	Opening balance		385,632,950		384,409,192
	Add: Addition during the year		9,858,513		3,500,610
			395,491,463		387,909,802
	Less: Disposal/adjustment during the year		3,937,466		2,276,851
			391,553,997		385,632,951
	Less: Accumulated depreciation at the year end		192,276,643		184,244,482
			199,277,354		201,388,469
	A separate fixed asset schedule is shown in Annexure-A.
9.00	Other Assets :                             Tk.	1,080,901,742
	Stationery & stamps in hand		4,477,953		2,706,454
	Stocks & stores (Spare parts)		513,039		513,039
	Tax paid in advance (9.01)		757,226,196		733,210,193
	Prepaid expenses & security deposit		530,435		519,342
	Accrued income (CAD & Branches) (9.02)		77,338,570		70,553,440
	Suspense A/c. (CAD & Branches)		2,490,774		2,941,461
	Investment, Gratuity & Benevolent Fund (9.03)		9,680,000		9,680,000
	Share of Debt receivable from BSCIC		11,780,693		11,780,693
	Exchange risk adjustment account		151,811,297		151,811,297
	Sanchaya Patra Encashment A/C.		47,712,413		37,969,336
	Legal Expenses Realisable A/C.		17,340,372		22,374,492
			1,080,901,742		1,044,059,747
9.01	Tax paid in Advance :                  Tk.	757,226,196
	Opening balance		733,210,193		708,189,347
	Add : Addition during the year		24,016,003		25,020,846
			757,226,196		733,210,193
	Less : Recovery during the year		-		-
	Closing balance		757,226,196		733,210,193
9.02	Accrued Income:                        Tk.	77,338,570
	(CAD & Branches)
	CAD, Head office:
	Interest on debenture		57,518,741		57,518,741
	Rent		-		2,729,969
	Accrued income from FDR		16,342,333		6,764,651
	Interest on Money at call & Short Notice		39,476		205,973
	Treasury bond		3,164,870		3,120,690
	Sub-Total:		77,065,420		70,340,024
	Branch Offices':		273,150		213,416
	Sub-Total:		273,150		213,416
	Grand-Total:		77,338,570		70,553,440
9.03	Investment Gratuity & :              Tk.	9,680,000
	Benevolent Fund
	Opening balance		9,680,000		6,645,000
	Add : Investment during the year		-		9,680,000
			9,680,000		16,325,000
	Less : Encashment during the year		-		6,645,000
	Closing balance		9,680,000		9,680,000
10.00	Borrowing from Other Banks,        Tk.	4,538,713,667
	Financial Institutions andAgents, etc.
	Inside  Bangladesh (10.01)		4,538,713,667		5,095,078,809
	Outside Bangladesh (10.02)		-		29,946,973
			4,538,713,667		5,125,025,782
a)	As per following segregation : Tk.	4,538,713,667
	Secured		-		-
	Un-Secured		4,538,713,667		5,125,025,782
			4,538,713,667		5,125,025,782
b)	As per following maturity grouping : Tk.	4,538,713,667
	On Demand		-		-
	On Maturity		4,538,713,667		5,125,025,782
			4,538,713,667		5,125,025,782
10.01	Inside Bangladesh :                    Tk.	4,538,713,667
	BSCIC		3,937,500		3,937,500
	K.F.W. Counterpart Fund		165,929,516		165,929,517
	Long Term Loan from Bangladesh Bank (Block A/c.)		3,253,582,558		3,660,280,377
	Long Term Loan from Bangladesh Bank		672,386,350		768,441,543
	DM 3.00 million K.F.W. Loan		11,349,194		11,961,322
	Danish Credit Counterpart Fund		7,487,224		7,487,224
	Rephased Account with Government (DSL)		424,041,325		477,041,326
			4,538,713,667		5,095,078,809
10.02	Outside Bangladesh : Tk. Nil
	DFL 10.00 million		-		29,946,973
	Romanian credit (EFAS)
			-		29,946,973
11.00	Deposits & Other Accounts :    Tk.	655,424,506
	Current and other accounts,etc.(11.02)		238,955,078		240,343,957
	Bills Payable(11.03)		11,530,828		22,064,190
	Saving Bank Deposits		237,332,751		211,208,343
	Fixed Deposits		167,605,849		181,286,745
			655,424,506		654,903,235
11.01	Deposits & Other Accounts :     Tk.	655,424,506
a	Payable on demand
	Deposit from banks				-
	Other than banks		122,537,976		219,377,421
			122,537,976		219,377,421
b	Other deposits
	Deposit from banks				-
	Other than banks		532,886,530		435,525,814
			532,886,530		435,525,814
			655,424,506		654,903,235
11.02	Current & Contengencies :        Tk.	238,955,078
	Short term Deposit A/C.		65,261,003		64,023,386
	Deposit Pension Scheme		2,004,701		2,488,123
	Sundry Deposit A/C.		51,148,270		91,172,612
	Current A./C.		98,804,702		75,336,480
	Margin Deposits A/C.		21,679,730		6,840,184
	Guarantee Margin Security Deposits		56,672		483,172
	Deposit at Call				-
			238,955,078		240,343,957
11.03	Bills Payable A/C. :                    Tk.	11,530,829
	Payment Order A/C.		2,912,358		11,733,720
	Drafts Payable A/C.		7,957,199		8,323,554
	Un-claimed Drafts & Payment Order A/C.		451,383		450,106
	Un-claimed In-operative A/C.		209,889		1,556,811
			11,530,829		22,064,190
11.04	Deposits & Other Accounts :     Tk.	655,424,506
	Payable on demand		122,537,976		219,377,421
	Repayable within 1 month		21,428,507		5,199,572
	Over 1 month but within 6  months		236,019,561		223,700,425
	Over 6 months but  within 1 years		86,305,462		86,236,822
	Over 1 year  but within 5 years		128,913,959		58,871,564
	Over 5 years but within 10 years		59,557,769		59,510,515
	Unclaimed deposits held by the bank more than 10 years		661,272		2,006,916
			655,424,506		654,903,235
12.00	Other Liabilities :                       Tk.	4,222,407,614
	Provision for Unclassified Loan (12.01)		78,896,950		58,517,150
	Provision for classified Loan (12.02)		1,075,632,131		1,198,476,850
	Accrued Expenses (12.03)		23,617,347		23,734,708
	Others Funds (12.04)		5,744,883		6,069,058
	Exchange Equalization A/C.		50,014,200		54,832,397
	Provision for B/D Equity		106,731,020		106,821,020
	Provision for B/D Debenture		113,803,741		69,161,538
	Other Provisions(12.05)		746,995,799		654,427,827
	Interest Suspense (12.06)		1,413,370,559		1,424,577,653
	Miscellaneous (12.07)		363,742,663		383,307,910
	Advance deposit Receipts(12.08)		243,858,321		359,070,486
			4,222,407,614		4,338,996,597
12.01	Provision for Un-Classified Loan  Tk.	78,896,950
	Provision held at the beginning of the year		58,517,150		52,459,620
	Fully provided debts written off(-)		-		-
	Recoveries of amount Previously Written Off(+)		-		-
	Specific provision for the year (+)		20,379,800