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BANGLADESH FINANCE AND INVESTMENT COMPANY LIMITED
Baitul Hossain Building (2nd Floor), 27, Dilkusha C/A, Dhaka‐1000

Balance Sheet
As at 31 March 2011

Provisional & Un‐audited
Note PROPERTY AND ASSETS Cash Cash in hand Balance with Bangladesh Bank Balance with other Banks and Financial Institutions Inside Bangladesh Outside Bangladesh Money at call and short notice Investment in Securities Government Others Lease, Loans and Advances In Bangladesh Outside Bangladesh Fixed Assets including Premises, Furniture and Fixtures Other Assets Non Banking Assets Total Assets LIABILITIES AND CAPITAL Liabilities Financing (Borrowings) from other Banks financial Institutions and Agents Deposits and other Accounts Term Deposits Other Deposits Bills Payable Other Liabilities Total Liabilities Capital/ Shareholders' Equity Share Capital Statutory Reserve General Reserve Revaluation Surplus on Land & Building Retained earnings Total Shareholders' Equity Total Liabilities & Shareholders' Equity 3 ‐ 582,162,375 582,162,375 4 2,973,703,798 ‐ 2,973,703,798 199,507,329 637,734,997 ‐ 4,577,669,191 2,956,524,869 ‐ 2,956,524,869 200,670,584 116,267,219 ‐ 4,398,727,414 ‐ 489,369,077 489,369,077 31‐Mar‐11 Taka 31‐Dec‐10 Taka

1 40,477 27,340,259 27,380,735 2 157,179,956 ‐ 157,179,956 ‐ 94,086,713 ‐ 94,086,713 520,000,000 365,501 21,443,450 21,808,951

5 6

7

1,856,311,072

1,729,129,054

8

1,304,101,006 1,223,431,489 80,669,516 ‐ 482,458,111 3,642,870,188

1,261,452,499 1,162,768,474 98,684,025 ‐ 475,586,537 3,466,168,090

9

10 11 12 5 13

440,415,900 120,656,499 50,000,000 138,223,602 185,503,002 934,799,003 4,577,669,191

440,415,900 120,208,563 46,702,684 138,223,602 187,008,575 932,559,324 4,398,727,414

Sd/‐ Sd/‐ Mohammad Liton Miah, ACA Ahmed Reza Chowdhury Chief Financial Officer Company Secretary

Sd/‐ G.M. Salehuddin Ahmed Managing Director & CEO

BANGLADESH FINANCE AND INVESTMENT COMPANY LIMITED
Baitul Hossain Building (2nd Floor), 27, Dilkusha C/A, Dhaka‐1000 Off‐Balance Sheet Item As at 31 March 2011 Provisional & Un‐audited 31‐Mar‐11 31‐Dec‐10 Taka Taka OFF BALANCE SHEET EXPOSURES CONTINGENT LIABILITIES Acceptances and Endorsements Letters of Guarantee Irrevocable Letters of Credit Bills for Collection Total OTHER COMMITMENTS Documentary credits and short term trade related transactions Forward assets purchased and forward deposits placed Undrawn note issuance and revolving underwriting facilities Undrawn formal standby facilities, credit lines and other commitments Claims against the Bank not acknowledged as debts Total TOTAL OFF BALANCE SHEET EXPOSURES INCLUDING CONTINGENT LIABILITIES ‐ ‐ ‐ ‐ ‐ ‐ 254,801,330 ‐ ‐ ‐ ‐ ‐ ‐ 350,000,000 ‐ 254,801,330 ‐ ‐ 254,801,330 ‐ 350,000,000 ‐ ‐ 350,000,000

Sd/‐ Sd/‐ Mohammad Liton Miah, ACA Ahmed Reza Chowdhury Chief Financial Officer Company Secretary

Sd/‐ G.M. Salehuddin Ahmed Managing Director & CEO

BANGLADESH FINANCE AND INVESTMENT COMPANY LIMITED
Baitul Hossain Building (2nd Floor), 27, Dilkusha C/A, Dhaka‐1000

Profit and Loss Account
For the period 1 January to 31 March 2011

Provisional & Un‐audited
Note Interest Income Less: Interest paid on Deposits & Borrowings etc. Net Interest Income Income from Investment in securities Commission, Exchange and Brokerage Other Operating Income Total Operating Income Salaries and Allowances Rent, Taxes, Insurances, Electricity etc. Legal Expenses Postage, Stamps, Telecommunication etc. Stationery, Printings, Advertisements etc. Managing Director's Salary and Allowances Directors' Fees and Conveyance Auditors' Fees Depreciation & Repairs of NBFI's Assets Other Expenses Total Operating Expenses Profit before Provision Specific provisions for Classified Investment General Provisions for Unclassified Investment Provisions for Investment in Securities Total Provision Total Profit before Provisions for Taxation Deferred Tax Expenses/(benefit) Current Tax Expenses Net Profit after Taxation Appropriations Statutory Reserve General Reserve Retained Earnings 14 15 16 17 31‐Mar‐11 Taka 107,655,169 94,393,847 13,261,322 3,952,529 ‐ 2,007,361 5,959,890 19,221,212 4,353,954 1,687,235 73,797 133,453 988,767 776,250 148,000 1,488,714 1,472,722 11,122,892 8,098,319 4,099,574 (1,240,934) ‐ 2,858,640 5,239,679 ‐ 3,000,000 3,000,000 2,239,679 31‐Mar‐10 Taka 79,184,023 58,175,106 21,008,917 47,131,744 2,000,000 1,707,162 50,838,906 71,847,823 3,261,661 1,629,349 3,718 124,990 377,630 525,000 156,400 1,671,440 1,458,817 9,209,005 62,638,818 13,378,726 1,751,169 4,154,700 19,284,595 43,354,223 ‐ 6,590,506 6,590,506 36,763,717

18 19 20 21 22 23 24 25

26

11 12 13

447,936 ‐ 1,791,743 2,239,679 0.05

7,352,743 ‐ 29,410,973 36,763,717 0.83

Earning Per Share (Re‐stated)

27

Sd/‐ Sd/‐ Mohammad Liton Miah, ACA Ahmed Reza Chowdhury Chief Financial Officer Company Secretary

Sd/‐ G.M. Salehuddin Ahmed Managing Director & CEO

BANGLADESH FINANCE AND INVESTMENT COMPANY LTD.
CASH FLOW STATEMENT FOR THE PERIOD 1 JANUARY TO 31 MARCH 2011

Provisional & Un‐audited
Note Cash Flow from Operating Activities Interest received Interest paid Dividend received Fees & Commission received Cash Payments to Employees Cash Payments to Suppliers Income Tax Paid Received from other Operating activities Payments for other Operating activities Operating Profit before changes in Operating Assets & Liabilities Changes in Operating Assets and Liabilities Purchases/Sale of Trading Securities Loans and Lease Finance to Customers Other Assets Deposits Other Liabilities Sub Total A) Net Cash from Operating Activities Cash flows from Investing Activities Purchase/sale of non trading securities Proceeds from Sale of fixed assets Purchases/sale of Property, Plant & Equipments Net Cash from Investing Activities Cash flows from Financing Activities Increase/(decrease) of borrowings Dividend Paid Net Cash from Financing Activities Net Increase/(Decrease) in Cash & Cash Equivalents (A+B+C) Cash and cash equivalents at the beginning of the period Cash and cash equivalents at the end of the period (D+E) 39 28 29 31‐Mar‐11 Taka 119,442,790 (90,951,025) 1,400 ‐ (5,130,204) (988,767) (2,968,280) 5,958,490 (3,724,070) 21,640,333 31‐Mar‐10 Taka 90,921,988 (51,293,239) 1,124,526 2,000,000 (3,786,661) (377,630) (990,645) 47,714,379 (3,571,838) 81,740,882

30 31

32 33

(92,793,298) (17,178,929) (2,383,954) 42,648,507 (10,333,054) (80,040,728) (58,400,394) ‐ ‐ (116,596) (116,596) 127,182,018 ‐ 127,182,018 68,665,028 115,895,664 184,560,692 (0)

(231,560,789) (266,810,568) 8,623,666 233,910,853 (10,829,857) (266,666,695) (184,925,814) ‐ ‐ (110,630) (110,630) 213,866,071 ‐ 213,866,071 28,829,627 131,898,062 160,727,689

B)

C) D) E) F)

Sd/‐ Sd/‐ Mohammad Liton Miah, ACA Ahmed Reza Chowdhury Chief Financial Officer Company Secretary

Sd/‐ G.M. Salehuddin Ahmed Managing Director & CEO

BANGLADESH FINANCE AND INVESTMENT COMPANY LIMITED
Baitul Hossain Building (2nd Floor), 27, Dilkusha C/A, Dhaka‐1000

Statement of Changes in Shareholders' Equity
For the period 1 January to 31 March 2011

Provisional & Un‐audited Share capital Taka Balance as at 1 January 2011 Changes during the period 2010 Issue of Bonus Share Profit/(Loss) for the period Transfer to statutory reserve Balance as at 31 March 2011 440,415,900 Statutory reserve Taka 120,208,563 General reserve Taka 46,702,684 Revaluation Surplus Taka 138,223,602 Retained earnings Taka 187,008,575

Total Taka 932,559,324

‐ ‐ ‐ ‐ 440,415,900

‐ ‐ 447,936 447,936 120,656,499

‐ ‐ ‐ ‐ 46,702,684

‐ ‐ ‐ ‐ 138,223,602

‐ 2,239,679 (447,936) 1,791,743 188,800,318

‐ 2,239,679 ‐ 2,239,679 934,799,003

Balance as at 1 January 2010 Changes during the period 2010 Issue of Bonus Share Profit for the period Adjustment of General Reserve Transfer to General Reserve Transfer to Statutory Reserve Revaluation Surplus on Land & Building Balance as at 31 December 2010

367,013,300

70,981,257

18,919,025



94,907,313

551,820,895

73,402,600 ‐ ‐ ‐ ‐ ‐ 73,402,600 440,415,900

‐ ‐ ‐ ‐ 49,227,306 ‐ 49,227,306 120,208,563

‐ ‐ (3,621,703) 31,405,362 ‐ ‐ 27,783,659 46,702,684

‐ ‐ ‐ ‐ 138,223,602 138,223,602 138,223,602

(73,402,600) ‐ 246,136,530 246,136,530 (3,621,703) (31,405,362) (49,227,306) ‐ ‐ 138,223,602 92,101,262 380,738,429 187,008,575 932,559,324

Sd/‐ Sd/‐ Mohammad Liton Miah, ACA Ahmed Reza Chowdhury Chief Financial Officer Company Secretary

Sd/‐ G.M. Salehuddin Ahmed Managing Director & CEO

BANGLADESH FINANCE AND INVESTMENT COMPANY LIMITED
Baitul Hossain Building (2 nd Floor), 27, Dilkusha C/A, Dhaka‐1000

Notes to the Financial Statements
For the period 1 January to 31 March 2011 31‐Mar‐11 Taka 1. Cash Cash in hand Balance with Bangladesh Bank Balance with other Banks and Finacial Institutions Inside Bangladesh Outside Bangladesh 40,477 27,340,259 27,380,735 157,179,956 ‐ 157,179,956 31‐Dec‐10 Taka 365,501 21,443,450 21,808,951 94,086,713 ‐ 94,086,713

2.

2.1. Inside Bangladesh Current Account CD A/C: Bank Alfala Ltd CD A/C: BRAC Bank Ltd. CD A/C: Dhaka Bank Ltd. CD A/C: Dutch Bangla Bank Ltd CD A/C: EXIM Bank Ltd. CD A/C: IFIC Bank Ltd. CD A/C: Islami Bank Bangladesh Ltd. CD A/C: Jamuna Bank Ltd CD A/C: NCC ( Jatrabari) Bank Ltd. CD A/C: One Bank C/D Account CD A/C: Prime Bank CD A/C: Rupali Bank Ltd. CD A/C: Shahjalal Bank Ltd. CD A/C: Social Investment Bank Ltd. CD A/C: Standard Bank Ltd. CD A/C (33005052) CD A/C: The City Bank Ltd‐collection CD A/C: UCBL STD Account STD A/C: Bank Asia Ltd. STD A/C: BRAC Bank STD A/C (Motijheel Br.) STD A/C: DBBL STD A/C (105‐120‐1501) STD A/C: DBBL STD A/C (Nayabazar) STD A/C: Mutual Trust Bank STD A/C Prin. Br. STD A/C: NCC Bank Ltd STD A/C: Southeast Bank Ltd STD A/C: Southeast Bank Ltd‐ Agb STD A/C: Southeast Bank Ltd‐ Corporate STD A/C: Southeast Bank Ltd.‐682 for dividend STD A/C: Southeast Bank Ltd‐ Bangshal Br. STD A/C: The City Bank Ltd. ( Foreign) STD A/C: The City Bank Ltd. ( Pricipal) FDR with Southeast Bank Ltd. Cash at Bank Total Cash and Cash Equivalent (a+b) 3. Investment in Securities a) Government b) Others

3,031 72 1,459,984 30,347 35 870 615 ‐ 3,400 16,020 63,965 2,800 181 55,752 ‐ 5,755 3,247 1,646,072 898,931 932,335 6,482,731 9,313 33,513,264 12,772 21,487,340 4,368,431 22,561 784,755 5,085,677 11,938,531 2,243 85,538,884 69,995,000 157,179,956 184,560,692

3,319 72 949,234 31,094 ‐ 870 615 ‐ 3,400 16,250 61,078 3,200 181 55,752 ‐ 5,755 3,247 1,134,067 1,172,798 4,928,987 1,346,179 9,388 549,552 12,772 9,598,995 4,981,744 786,431 22,561 722,097 8,818,899 2,243 32,952,646 60,000,000 94,086,713 115,895,664

‐ 582,162,375

‐ 489,369,077

582,162,375 3.b. Investment in Securities‐Others Investment in shares (in quoted companies) Investment in shares (in un‐quoted companies)

489,369,077

543,905,045 38,257,330 582,162,375

451,111,747 38,257,330 489,369,077

4.

Lease, Loans and Advances A) Lease Finance Advance against Lease Assets (a) Lease assets at cost Less: Accumulated depreciation Net Executed Lease Assets (b) Outstanding Lease Assets (a+b) Receivable agaist Lease Finance Total Lease Finance (a+b+c) B) Term Finance Outstanding Term Finance Receivable against Term Finance

4,460,000 1,757,512,697 838,662,250 918,850,448 923,310,448 110,193,817 1,033,504,265

55,750,000 1,723,066,560 796,987,046 926,079,514 981,829,514 96,328,608 1,078,158,122

1,874,366,860 63,150,163 1,937,517,023 2,682,511 2,973,703,798

1,824,398,156 51,251,884 1,875,650,040 2,716,707 2,956,524,869

C) Housing Finance Total Lease, Loans and Advances 5. Fixed Assets including Premises, Furniture and Fixtures Total Cost of Fixed Assets Add: Revaluation Surplus Less: Accumulated Depreciation

84,808,713 138,223,602 23,524,986 199,507,329

84,692,116 138,223,602 22,245,134 200,670,584

6.

Other Assets Investment in Subsidiaries (Note 6.1) Receivables, Advances & Deposits (Note 6.2)

560,933,861 76,801,136 637,734,997

2,324,340 113,942,879 116,267,219

6.1

Invesment In Subsidiaries Invesment In Subsidiaries paid up capital Share Money Deposit

5,454,000 555,479,861 560,933,861

‐ 2,324,340 2,324,340

6.2

Receivables, Advances & Deposits a) Other receivables Interest on investment in FDR Re‐imbursable expenses Receivable IDCP Receivable insurance claim Receivable on sale of Shares Receivable against Call Loan Receivable from Brokerage House Receivable Interest on General Account Receivable‐Others Receivable against Leased Assets

981,291 1,804,621 2,187,451 ‐ 940,519 ‐ 368,958 ‐ 880,000 9,389,374 16,552,214

4,865,747 1,582,466 2,187,451 ‐ 37,027,164 522,222

220,000 9,479,063 55,884,113

b) Advance, deposits and prepayments Advances Advance office rent‐HO Advance against salary Advance against Fixed Assets Advance income tax Accounts with Bangshal Branch Accounts with Chittagong Branch Advance others Advance against 64 Motijheel Stock of Stamp on hand c) Deposits with others Deposits with BTTB & Mobile Deposits with Baitul Hossain Building Deposit with Land Lord Bangshal Branch Deposit with CDBL Deposit with Sadharan Bima

676,576 ‐ ‐ 57,997,179 46,934 (98,755) 112,761 16,151 18,662 58,769,508 70,600 203,814 800,000 400,000 5,000 1,479,414 76,801,136

1,230,178 ‐ 55,028,899 ‐ (1) 306,000 9,686 4,590 56,579,352 70,600 203,814 800,000 400,000 5,000 1,479,414 113,942,879

Other Assets (a+b+c) 7. Borrowing from other banks, Financial Institutions and agents In Bangladesh Outside Bangladesh

1,856,311,072 ‐ 1,856,311,072 87,128,518 2,837,500 1,753,174,120 13,170,933 ‐ 1,856,311,072 1,223,431,489 80,669,516 1,304,101,006 32,927,726 2,014,170 31,267,735 14,459,885 80,669,516 84,492,938 42,000,000 53,033,638 150,458,650 2,808,263 120,093,937 6,267,419 19,480,000 ‐ 2,951,691 871,574 482,458,111

1,729,129,054 ‐ 1,729,129,054 93,589,814 2,864,286 1,430,192,725 202,482,229 ‐ 1,729,129,054 1,162,768,474 98,684,025 1,261,452,499 35,339,101 2,014,170 32,815,256 28,515,498 98,684,025 81,634,298 42,000,000 45,130,473 147,458,650 2,808,263 116,651,115 6,608,796 19,470,000 10,000,000 2,951,691 873,251 475,586,537

7.1. In Bangladesh Refinance against SME loan from Bangladesh Bank Refinance against Housing loan from Bangladesh Bank Term Loan from other Banks Short term loan from other bank Call Loan 8. Deposits & Other Account Term Deposits & Scheme Deposits Other Deposits (a) (a) Other Deposits Lease deposits Security deposits Loan deposits Sundry Creditors 9. Other Liabilities Provision for Loans and Lease Finance (Note 9.1 ) Provisions for Investment in Securities Interest Suspense Provision for Taxation ( Note 9.2) Deferred Tax Interest payable on Borrowing and Deposits (Note 9.3) Payable & Provision against expenditure (Note 9.4) Advance Rent Received Margin on Guarantee Gratuity Fund Dividend payable

9.1. Provision against unclassified loan Lease Finance Term Finance Provision against Classified loan & Lease Lease Finance Term Finance Total Loan & Lease Provision 9.2. Provision for Taxation Opening Balance Addition during the period

7,057,343 18,517,432 25,574,775 51,121,565 7,796,598 58,918,163 84,492,938

8,777,631 18,038,078 26,815,709 50,368,593 4,449,996 54,818,589 81,634,298

147,458,650 3,000,000 150,458,650

66,003,531 81,455,119 147,458,650

9.3. Interest payable on Borrowing and Deposits Interest payable on TDR and other deposits Interest payable on term loan Interest payable on Refinancing loan from Bangladesh Bank (SME) Interest payable on Refinancing loan from Bangladesh Bank (Housing) Interest Payable on Call loan Interest payable on Security Deposit

85,232,285 33,098,873 1,611,247 83,343 ‐ 68,190 120,093,937

87,119,767 27,546,365 1,825,155 91,638 ‐ 68,190 116,651,115

9.4. Payable & Provision against expenditure Advance transfer price Payable others Withholding tax Withholding VAT

33,001 5,689,721 424,029 120,668 6,267,419

33,001 5,863,389 599,096 113,310 6,608,796

10.

Share Capital Authorised 20,00,00,000 Ordinary Shares of Taka 10 each Issued, Subscribed & Paid up Capital 4,40,41,590 Ordinary shares Tk 10 each

2,000,000,000 440,415,900 ‐ 440,415,900

2,000,000,000 440,415,900 ‐ 440,415,900 70,981,257 49,227,306 120,208,563 18,919,025 31,405,362 (3,621,703) 46,702,684 94,907,313 246,136,530 154,035,268 187,008,575

11.

Statutory Reserve Opening Balance Addition during the period General Reserve Opening Balance Addition during the period Less: Adjustment During the Period Retained Earnings Opening Balance Addition during the period Less: Distribution During the period (Reserves & Dividend)

120,208,563 447,936 120,656,499 46,702,684 ‐ 46,702,684 183,711,258 1,791,743 ‐ 185,503,002

12.

13.

31‐Mar‐11 Taka 14. Interest income Interest income on Loans & Lease Finance (Note‐14.1) Interest on placement with other Banks & Fis (Note‐14.2) 101,937,125 5,718,044 107,655,169

31‐Mar‐10 Taka 77,473,618 1,710,405 79,184,023

14.1. Interest income on Loans & Lease Finance a) Interest income on lease finance Lease Rental Less: Depreciation on lease assets Less: Interest Suspended Add: Grace period interest Sub Total (a) b) Interest income on term finance Interest on term finance Interest on short term finance Interest on secured overdraft Interest on Housing Finance Less: Interest Suspended Add: Grace Period Interest Sub Total (b) Total Interest Income (a+b) Grace Period Interest Lease Finance Term Finance 14.2. Interest on placement with other Banks & FIs Interest from TDR Interest on Fund Placement Interest received from Banks 15. Interest Paid on Deposit & Borrowings Interest Expenses on TDR Interest on Call Loan Interest on term loans Interest on SOD loan Interest expenses on refinancing loan from BB Interest expenses on refinancing loan for Housing Finance from BB Interest on Others Interest on General Account Income from Investment in Securities Income from Investment in Shares Dividend Income

90,212,743 56,727,122 33,485,621 4,823,669 28,661,952 ‐ 28,661,952

112,365,202 74,415,875 37,949,327 4,720,419 33,228,908 5,298,097 38,527,005

50,756,998 25,536,438 ‐ 61,233 76,354,669 3,079,496 73,275,173 ‐ 73,275,173 101,937,125

25,134,739 14,742,412 0 64,170 39,941,321 994,708 38,946,613 ‐ 38,946,613 77,473,618

‐ ‐ ‐ 1,665,544 ‐ 4,052,500 5,718,044 34,694,352 16,111 55,957,435 2,582,820 1,108,120 35,009 ‐ ‐ 94,393,847 3,951,129 1,400 3,952,529

5,298,097 ‐ 5,298,097 1,484,851 ‐ 225,554 1,710,405 33,064,538 1,131,806 21,571,353 1,008,740 1,371,668 27,001 ‐ ‐ 58,175,106 46,007,217 1,124,526 47,131,744

16.

31‐Mar‐11 Taka 17. Other operational income Service & documentation charge Transfer price Misc. income Penal interest Office Rent (64 Motijheel) Gain on sale of Fixed Assets Rent, Taxes, Insurance, Electricity etc. Rent, Rates & Taxes Insurance Electricity & Lighting, WASA, Gas etc. Legal Expenses Legal Fees & Charge Other Legal Expenses Postage, Stamps, Telecommunication etc. Stamp & Court Fees Commission on purchase of stamps Internet expenses Postage & Courier Expenses Telephone & Fax Expenses Mobile Expenses Stationery, Printing, Advertisements etc. Staionary‐Toner & Cartridge Stationary Expenses Printing Expenses Advertisement and Publicity Managing Director's Salary and Allowances Basic Salary Allowances Bonus Directors' Fees & Conveyance Dircetor Fees Local Conveyance Depreciation and Repair of NBFI's Assets a) Depreciation of NBFI's Assets Building Furniture & Fixtures Office Equipments Motor Vehicles 53,788 20,000 38,500 245,074 1,650,000 ‐ 2,007,361 1,438,059 59,594 189,582 1,687,235 73,797 ‐ 73,797 30,070 1,400 20,913 9,727 32,449 38,894 133,453 45,300 51,935 463,027 428,505 988,767 776,250 ‐ ‐ 776,250 148,000 ‐ 148,000

31‐Mar‐10 Taka 1,301,064 129,500 57,138 219,461 ‐ 1,707,162 1,343,106 213,451 72,792 1,629,349 3,718 ‐ 3,718 25,795 1,000 4,800 9,759 46,383 37,253 124,990 35,450 41,958 274,772 25,450 377,630 525,000 ‐ ‐ 525,000 156,400 ‐ 156,400

18.

19.

20.

21.

22.

23.

24.

134,970 64,923 89,244 739,265 1,028,402

‐ 263,390 255,573 647,361 1,166,324

31‐Mar‐11 Taka b) Amortization Expenses System & Software Office Renovation c) Repair of NBFI's Assets Office Equipment Office Furniture & Fixtures Motor Vehicles 33,646 217,803 251,449 19,440 ‐ 189,423 208,863 1,488,714 196,560 610,170 136,213 50,000 94,935 ‐ 49,292 26,493 43,703 17,297 ‐ 39,339 12,000 108,254 88,466 1,472,722

31‐Mar‐10 Taka 88,749 217,803 306,552 37,644 ‐ 160,920 198,564 1,671,440 139,377 610,170 123,010 140,000 75,091 60,685 31,902 19,692 53,826 20,581 ‐ 69,383 80,322 20,598 14,180 1,458,817

25.

Other Expenses Petrol, Oil, Lubricants, CNG & others Lease Rental against Motor Vehicle Entertainment Donation and Subscription Traveling and Conveyance Training Expenses Registration & Renewal Expenses Papers & Periodicals Office Maintenance Office Supplies Uniform & Liveries Bank Charges & Excise Duty Business development & Promotion Security Service‐Outsourcing Miscellaneous Expenses

26.

Total Provision against loans, lease finance & Others Provision on unclassified Loans & Advances Provision on classified investment Provisions on Investment in Securities

(1,240,934) 4,099,574 ‐ 2,858,640

1,751,169 13,378,726 4,154,700 19,284,595

27.

Earnig Per Shares Net Profit after Tax Number of Ordinary Shares outstanding

2,239,679 44,041,590 0.05

36,763,716 44,041,590 0.83…...

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...Expectations from students: The aim of this Term Paper is to produce a Programming logic or Animation on the assigned Topic. The assignment is to read the existing system/problem and create a program of your concept to obtain the expected results. Assistance from text and reference books, articles and reports on the concerned topics from Internet can be taken but the animation logic should be your own piece of work. Along with, students are supposed to write an abstract of the topic with example, real world applications, and impact on society or solutions recommended. Abstract submission: (3-4 pages) • Description of the topic • Example of the given topic • Future plan of the given work. The Abstract (Synopsis) of the topic must be submitted latest by 15thof Sept and submission will be accepted thereafter. Final submission: a) A report containing following contents: 1. Introduction Provide a brief textual description of the problem. Elaborate on the given problem statement, providing some more detail. 2. Background a. What was the weakness in the previous algorithm/concepts and requirement of existing algorithm/concept? 3. Methodology : a. Steps of making the program (graphics be used to showcase the output) 4. Observation a. Result in the form of output and a well formatted report. 5. Future Scope and Suggestion --- Suggestion to improve the......

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...Term Paper The course Term Paper is due no later than 11:59 PM on Sunday, December 7th 2014.   For the course Term Paper use the SCR Associates Case Study from the chapters covered in the course and you have worked on each week to do the following: 1. Review and summarize the progress the Case Study has made from inception to close (where did you start, where did you finish). 2. State the "lessons learned" as a student of Systems Analysis and Design in performing the assigned tasks of the Case Study. 3. Discuss how do you believe the Case Study experience has enhanced your understanding of the SDLC process and the SA&D discipline as a whole. 4. Describe how you anticipate you will use your newly developed analytical skills in Systems Design in your present or your dream job. The above must be created using MLA writing format and saved in a file format that can be opened using MS Word 2010 (not native open office). The file must be attached to the link above and not e-mailed to your instructor. Use the Special Topic Discussion Board set up for your use to post questions about this course term paper. However, allow me to anticipate one question... Q. Mr. Miller, how many pages should the course term paper be? A. The course Term Paper must consist of enough pages in order that the content FULLY and COMPLETELY addresses the four (4) subject areas described above. Historically, students have created between 8 to 12 pages to accomplish this task. ...

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...TERM PAPER COMPILER DESIGN Translator For Simple Expression Submitted to:Harshpreet Sir Submitted by:Kapish Mahajan Registration no. 11207646 Section : K2202 Roll no. A-19 Syntax Directed Translation 1. Syntax Directed Definitions There are two notations for associating semantic actions with productions: syntax-directed definitions and translation schemes. The Syntax-Directed Definitions are a mechanism for specifying translations for the programming language constructs. A syntax-directed definition specifies the translation of a construct in terms of the attributes associated with its syntactic components. A syntax-directed definition uses a context-free grammar to specify the structure of the input: with each grammar symbol it associates a set of attributes; and with each production a set of semantic rules for computing the values of the attributes associated with the symbols in it. A Translation Scheme is like a syntax-directed translation except that the order of evaluation of the semantic rules is explicitly shown. A translation scheme is a context-free grammar in which program fragments called semantic actions are embedded within the right sides of the productions. Translation schemes show the order in which the semantic rules has to be evaluated, so they show implementation details. With both syntax-directed definitions and translation schemes the input token stream is......

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...t TERM PAPER Course Code:  MIB 130                                                                 Credit Units: 04 Objectives   The aim of the term paper is to provide the students with an opportunity to further enhance their knowledge in a sector of their choice by undertaking a significant practical unit of examining and analyzing various aspects of business management at a level commensurate with the learning outcomes of the various courses taken up y them in the ongoing semester. For students of the first semester, the required term paper is primarily a self worded structured report written by the students after interpreting & analyzing various primary & secondary records of intelligent interviews/readings from several sources on a particular sector.     Conduct of Term Paper   • The term paper will be executed & submitted by students in groups. (Maximum four students in each group) • The students are to form groups of four and decide the sector of study / company of interest within two weeks of the start of the semester. • A Faculty Mentor will be assigned to each group of students undertaking a Team Paper. • Special Time slot to conduct the research will be included in the timetable. • The Mentor will conduct weekly sessions to guide & follow up the students as well as to clarify any queries or problem faced by the students. • Weekly review of the Work in Progress will be maintained by Faculty Mentor & will carry 20%......

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...Terms Comparison Paper HCS 552 October 10, 2011 Harry Morris Terms Comparison Paper Economics is the study of supply and demand and the affect that these interactions have on resource allocation (Getzen, 2007). The basic concepts economics can be connected to the health care industry and used as a means to assess prospects when distributing resources. Health economics is a branch of economics focused on evaluating shortage in health care systems in different economies (Investorworks.com, 2011). Health economics seeks to identify problem areas in a health care system and propose solutions for issues by evaluating all possible causes and solutions. There are many terms that are used that relates both to health care and economics in which results in Health Economics. Health care in the future will focus on both disciplines and will shape how physicians and insurance companies will determine how and what will be provided to the community. In this paper, the terms utility, resources, and risk will be discussed in terms on how they compare and differ in relations to health care and economics. Utility In economics, Utility means the ultimate satisfaction received from consuming a product or service. This could mean that when a person buys an expensive car and drives it on the highway, the person the will feel utility when others look at the person driving the car. Measuring a person’s utility is looking at a person’s drive and determination in reaching the maximum......

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...How to Make  Term Papers Outline ?   A good term paper outline should have the following sequence and contents to write a term paper. Introduction Introduce the topic of your term paper about which you have to write the term paper and proceed to write thesis statement. Thesis statement Thesis statement is an essential part of any term paper. Develop a thesis statement which clearly states the point you are discussing. Body of the Term Paper The body of the term paper has all the points to discuss and support with favorable evidences, experiments or examples. Present the collected data in a way that supports the thesis statement. Conclusions It is the final part where you have to present all the results you got from the research and make suggestions for further development in the field. Bibliography It is the list of references of the sources of information. There are different formats of referencing the information resources such as APA, MLA, Harvard, etc. So use the one instructed by your supervisor. CONTENTS: STEP 1. CHOOSE A TOPIC STEP 2. FIND INFORMATION STEP 3. STATE YOUR THESIS STEP 4. MAKE A TENTATIVE OUTLINE STEP 5. ORGANIZE YOUR NOTES STEP 6. WRITE YOUR FIRST DRAFT STEP 7. REVISE YOUR OUTLINE AND DRAFT               Checklist One   Checklist Two STEP 8. TYPE FINAL PAPER STEP 1. CHOOSE A TOPIC Choose a topic which interests and challenges you. Your attitude towards the topic may well determine the amount of effort......

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