Auditors’
Report
To the
Shareholders of Janata Bank Limited
We
have audited the accompanying balance sheet of Janata Bank Ltd. ("the
bank") as of 31 December 2007 and the related profit and loss account and statement
of changes in equity and cash flow statement for the period from 21st May 2007 to 31st December 2007,as
more fully described in Note 1.1 to financial statements, Janata Bank Limited,
was incorporated on 21 May 2007 and took over the business and assets and
liabilities of erstwhile Janata Bank through a vendors agreement with effect
from 1 July 2007. The preparation of these Financial Statements is the
responsibility of the bank's management. Our responsibility is to express an
independent opinion on these financial statements based on our audit.
Scope:
Except
as discussed in the following paragraphs, we conducted our audit in accordance
with Bangladesh Standards on Auditing (BSA). Those standards require that we
plan and perform the audit to obtain reasonable assurance about whether the
financial statements are free of material misstatements. An audit includes
examining, on a test basis, evidence supporting the amounts and disclosure in
the financial statements. An audit also includes assessing the accounting
principles used and significant estimates made by the management, as well as
evaluating the overall financial statements presentation. We believe that our
audit provides a reasonable basis for our opinion.
Our
audit revealed that:
1. The bank has determined the required
provision for Super Annuation Fund (SAF) as of
2. Adequate capital adequacy Ratio of the bank
has not been maintained, as required under section 13(2) of Bank Companies
Act.1991 and BRPD Circular # 05 dated
Opinion:
In
our opinion, except for the effect of the matters as discussed in the preceding
paragraphs, the financial statements referred to above which have been prepared
in the format prescribed by Bangladesh Bank give a true and fair view of the
state of the banks affairs as of 31 December 2007 and of the results of its
operations and its cash flows for the period then ended. The financial
statements comply with the Bank Companies Act 1991 and the rules and
regulations issued by Bangladesh Bank.
We further report that:
i.
we have obtained all the information and
explanations which to the best of our knowledge and belief were necessary for
the purposes of our audit and made due verification thereof;
ii. in our opinion, proper books of account as
required by law have been kept by the bank so far as it appeared from our
examination of those books and proper returns adequate for the purposes of our
audit have been received from the branches not visited by us;
iii. the bank’s balance sheet and profit and loss
account dealt with by the report are in agreement with books of account and
returns except for the provisions and adjustments made during the period for
which necessary accounting entries have been passed as of 31 December 2007;
iv. the financial position of the bank as of
v. the financial statements have been drawn up
in conformity with the Bank Companies Act, 1991 and in accordance with
accounting rules and regulations issued by the Bangladesh Bank;
vi. adequate provisions have been made for loans and advances and other assets, which
are, in our opinion, doubtful of recovery;
vii. the financial statements conform to the
prescribed standards set in the accounting regulations issued by the Bangladesh
Bank after consultation with the professional accounting bodies of
viii. the records and statements submitted by the
branches have been properly maintained and consolidated in the financial
statements;
ix. the information and explanations required by
us have been received and found satisfactory;
x. as far as it was revealed from our test
checks, the existing rules and regulations for loan sanctioning and
disbursements have been followed;
xi. cash Reserve Requirement (CRR) and Statutory
Liquidity Reserve (SLR) with Bangladesh Bank have been maintained as per rule;
xii. it appeared from our test check that, the
internal control system was satisfactory
and adequate to prevent probable frauds and forgeries ;
xiii. guidelines of Core Risk Management Issued by
Bangladesh Bank vide BRPD Circular # 17 dated
xiv. the accounts of overseas subsidiary
associate and branches were not audited by us;
xv.
80% of
the risk-weighted assets of the branches allocated for audit have been audited
by us.
xvi. We have spent approximately 6750 man hours
for the audit of books and accounts of the bank.
Sd/-
Sd/-
Howladar Yunus & Co. A. Wahab & Co.
Chartered
Accountants
Chartered
Accountants
Dated,
Janata Bank Limited
As of
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Note |
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31. 12. 2007 |
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Taka |
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PROPERTY AND ASSETS |
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|
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Cash |
3 |
15,579,764,948 |
|
|
Cash in hand (Including
foreign currency) |
|
4,238,274,687 |
|
|
Balance with Bangladesh
Bank and it's agent bank(s) |
|
11,341,490,261 |
|
|
|
|
|
|
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Balance with other banks
and financial institutions |
4 |
8,301,313,776 |
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In |
|
4,880,254,938 |
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Outside |
|
3,421,058,838 |
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Money at call on short
notice |
5 |
8,567,349,333 |
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Investments: |
6 |
55,862,930,391 |
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Government |
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55,320,609,715 |
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Others |
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542,320,676 |
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Loans and Advances |
7 |
121,204,454,973 |
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Loans, cash credit,
overdrafts, etc. |
|
112,857,503,942 |
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Bills purchased &
discounted |
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8,346,951,031 |
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Fixed Assets including
premises, furniture and fixtures |
8 |
2,424,177,100 |
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Other assets |
9 |
32,121,123,227 |
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Non -banking assets |
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TOTAL PROPERTY AND
ASSETS |
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244,061,113,748 |
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LIABILITIES AND CAPITAL |
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Liabilities: |
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Borrowings
from other banks, financial institutions and agents |
10 |
3,504,298,538 |
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|
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Deposits and other
Accounts |
11 |
198,635,892,054 |
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Current accounts and other
accounts |
|
35,510,834,780 |
|
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Bills Payable |
|
1,880,796,480 |
|
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Savings bank deposits |
|
62,723,703,936 |
|
|
Fixed deposits |
|
98,520,556,858 |
|
|
Bearer certificates of
deposits |
|
- |
|
|
Other deposits |
|
- |
|
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Other Liabilities |
12 |
36,271,297,007 |
|
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Total Liabilities |
|
238,411,487,599 |
|
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Capital/Shareholders'
Equity : |
|
|
|
|
Share Capital |
13 |
2,593,900,000 |
|
|
Statutory Reserve |
14 |
238,158,192 |
|
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Other Reserve |
15 |
2,688,600,459 |
|
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Surplus in Profit/(Loss)
Account |
16 |
128,967,498 |
|
|
|
|
|
|
|
Total Shareholders'
Equity |
|
5,649,626,149 |
|
|
TOTAL LIABILITIES &
SHARE HOLDERS' EQUITY |
|
244,061,113,748 |
|
|
OFF-BALANCE SHEET ITEMS |
|
Note |
31.12.2007 |
|
|
Taka |
||||
|
Contingent
Liabilities |
|
17 |
46,530,328,040 |
|
|
Acceptances &
Endorsements |
|
- |
||
|
Letters of Guarantee |
|
2,865,982,397 |
||
|
Irrevocable Letters of
Credit |
|
39,930,426,343 |
||
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Bills for Collection |
|
3,733,919,300 |
||
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Other Contingent
Liabilities |
|
- |
||
|
Other Commitments: |
|
|
||
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Documentary credits and
other short term trade related transactions. |
|
- |
||
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Forward assets purchased
and forward deposits placed |
|
- |
||
|
Undrawn note issuance and revolving underwriting facilities |
|
- |
||
|
Undrawn formal standby facilities, credit lines and other
commitments |
|
- |
||
|
Total off Balance Sheet
Items including Contingent Liabilities: |
|
46,530,328,040 |
||
|
Notes: 1. The annexed
notes from an integral part of the financial statements 2.
Comparative figures for six month ending 30 June 2007 and twelve month
ending 31 December,
2006 for Janata Bank are shown
In Annex 6 and 7 3.
Auditors report Pages (1 to 3) |
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Sd/- Md. Niaz Uddin Deputy General Manager
(Accounts) |
Sd/- Md. Golam Sarwar General Manager (Accounts) |
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Sd/- S. M. Aminur Rahman CEO & Managing Director |
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Sd/- Mohammad Al Maruf Khan
FCA Director |
Sd/- Commodore Mohammad Zarzeul
Islam, (L), PSC, BN
Director |
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Sd/- Suhel A Choudhury Chairman |
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Sd/- Howladar
Yunus & Co. Chartered Accounts |
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Sd/- A. Wahab & Co. Chartered Accountants |
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Dated, Dhaka 11, May 2008 |
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Janata Bank Limited
Profit and Loss Account
For the period from 21st May to 31st
December 2007
|
PARTICULARS |
Note |
21
st May 2007
to 31st December
2007 |
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|
Taka |
||||||
|
|
|
|
|
|||
|
Interest income |
18 |
|
6,017,323,687 |
|||
|
Interest paid on deposits
and borrowings etc. |
19 |
|
(4,617,377,131) |
|||
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Net Interest Income |
|
|
1,399,946,556 |
|||
|
|
|
|
|
|||
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Investment income |
20 |
|
1,574,424,013 |
|||
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Commission, exchange and
brokerage |
21 |
|
1,365,728,105 |
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Other operating income |
22 |
|
315,905,604 |
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Total Operating Income |
|
|
4,656,004,278 |
|||
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|
|
|
|
|||
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Salary and allowances |
|
|
1,778,857,649 |
|||
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Rent, taxes, insurance and
electricity, etc. |
|
|
180,934,433 |
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Legal Expenses |
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(1,603,763) |
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Postage, stamp,
telecommunication etc. |
|
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(51,557) |
|||
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Stationery, printings ,
advertisements etc. |
|
|
39,709,012 |
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Chief Executive's (MD)
salary and fees |
|
|
252,219 |
|||
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Directors' fees |
23 |
|
438,500 |
|||
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Auditor's fees |
|
|
2,767,189 |
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Charges on Loan Losses |
|
|
- |
|||
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Depreciation and repair
of bank's assets |
|
|
84,497,899 |
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Other expenses |
24 |
|
163,381,550 |
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Total Operating Expenses |
|
|
2,249,183,131 |
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Profit/(Loss) before
provision |
|
|
2,406,821,147 |
|||
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Provision for loans and
advances |
25 |
|
566,943,530 |
|||
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Provision for diminution in
value of investments |
26 |
|
232,652,000 |
|||
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Provision for other assets |
9.03 |
|
(193,807,562) |
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Provision for SAF &
Gratuity |
27 |
|
- |
|||
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Other provisions |
28 |
|
120,000,000 |
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Total provision |
|
|
725,787,968 |
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Total profit / (Loss)
before income taxes |
|
|
1,681,033,179 |
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Provision for taxation: |
29 |
|
|
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Prior year |
|
|
34,707,124 |
|||
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Current year |
|
|
1,083,069,516 |
|||
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1,117,776,640 |
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Deferred tax income/
(expense): |
9.04 |
|
(547,780,087) |
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Prior year |
|
|
- |
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Current year |
|
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(547,780,087) |
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|
|
- |
||
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Net profit/(loss) after
taxation |
|
|
15,476,452 |
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Transfer
from other reserve |
|
|
145,732,920 |
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|
145,732,920 |
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Appropriations |
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|
161,209,372 |
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Statutory Reserve |
|
|
32,241,874 |
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General Reserve |
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|
- |
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Dividends etc. |
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|
- |
|||
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|
|
|
32,241,874 |
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Retained surplus after appropriation |
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|
128,967,498 |
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Earning per share (EPS) |
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|
6 |
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Notes: 1. The
annexed notes from an integral part of the financial statements 2. Comparative figures for six month ending 30
June 2007 and twelve month ending 31 December,
2006 for Janata Bank are shown
In Annex 6 and 7 3.
Auditors report Pages (1 to 3) |
|
Sd/- Md.
Niaz Uddin Deputy
General Manager (Accounts) |
Sd/- Md.
Golam Sarwar General
Manager (Accounts) |
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Sd/- S.
M. Aminur Rahman CEO
& Managing Director |
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Sd/- Mohammad
Al Maruf Khan FCA Director |
Sd/- Commodore
Mohammad Zarzeul Islam, (L), PSC, BN Director |
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Sd/- Suhel A Choudhury Chairman |
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Sd/- Howladar
Yunus & Co. Chartered
Accounts |
Sd/- A.
Wahab & Co. Chartered
Accountants |
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Dated, Dhaka 11, May 2008 |
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Janata
Bank Limited |
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Cash Flow Statement |
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For the period
from 21 May to 31 December 2007 |
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Particulars |
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Note |
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To Taka |
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A. |
CASH FLOWS
FROM OPERATING ACTIVITIES |
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Interest
receipt in cash |
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6,017,323,687 |
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Interest
payments |
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(4,617,377,131) |
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Dividend
receipts |
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16,162,272 |
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Fees and
commission receipt in cash |
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1,365,728,105 |
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Cash
Payments to employees |
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(1,778,861,807) |
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Cash
Payments to suppliers |
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(39,707,872) |
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Income
from investment |
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1,553,168,518 |
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Receipt
from other operating activities |
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320,998,827 |
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Payments
for other operating activities |
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(380,328,067) |
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Operating profit
before changes in working capital |
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2,457,106,532 |
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Increase/decrease in Operating Assets &
Liabilities |
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Statutory
deposits |
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10,984,090,084 |
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Loans and
advance to customers |
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17,288,057,776 |
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Loans and
advance to other banks |
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|
- |
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Other
assets |
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(6,603,355,057) |
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Balance
with other banks |
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(4,005,535,369) |
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Other
liabilities |
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2,856,708,864 |
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Deposits
from other banks |
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|
- |
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Deposits from
customers |
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15,689,356,093 |
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Net cash
from operating activities |
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36,209,322,391 |
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Net cash
from operating Activities (A) |
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38,666,428,923 |
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B. |
CASH FLOW
FROM INVESTING ACTIVITIES |
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Purchase
of Securities and Bond (investment) |
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(9,979,258) |
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Proceeds
from sale of securities |
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(31,067,565,095) |
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Purchase/sale of property, plant and
equipments |
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(1,202,040,750) |
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Purchase/sale of subsidiary |
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- |
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Net cash
from investing activities (B) |
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(32,279,585,103) |
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C. |
CASH FLOW
FROM FINANCING ACTIVITIES |
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- |
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Receipts
from issue of loan capital & Debt security |
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- |
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Payments
for redemption of loan capital & debt security |
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- |
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Receipts
from issue of ordinary share |
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- |
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Dividend
paid |
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- |
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Payments/Receipt from borrowings |
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22,889,614 |
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Net cash
from financing activities (C) |
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22,889,614 |
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D. |
Net
increase/Decrease in cash (A+B+C) |
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6,409,733,434 |
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E. |
Cash and
cash equivalents at beginning of the
period |
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|
17,737,380,847 |
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F. |
Cash and
cash equivalents at end of period |
|
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|
24,147,114,281 |
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Note: Cash
& Cash Equivalents: |
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Cash in
hand |
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|
4,238,274,687 |
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Balance With
Bangladesh Bank & it's agent bank's |
|
11,341,490,261 |
||||
|
|
Money at
call & short notice |
|
8,567,349,333 |
||||
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|
|
|
|
|
|
|
24,147,114,281 |
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|
Notes: |
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1. The annexed notes from an integral part of
the financial statements |
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|
2.
Comparative figures for six month ending 30 June 2007 and twelve month
ending 31, December 2006
. for Janata Bank are shown In Annex 6
and 7 |
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|
3.
Auditors report Pages (1 to 3) |
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|
Sd/- Md.
Niaz Uddin Deputy
General Manager (Accounts) |
Sd/- Md.
Golam Sarwar General
Manager (Accounts) |
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Sd/- S.
M. Aminur Rahman CEO
& Managing Director |
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Sd/- Mohammad
Al Maruf Khan FCA Director |
Sd/- Commodore Mohammad Zarzeul
Islam, (L), PSC, BN
Director |
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Sd/- Suhel A Choudhury Chairman |
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Dated, Dhaka 11, May 2008 |
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Janata Bank Limited |
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|
Statement of
Changes in Equity |
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For the period
from 21st May to 31st December 2007 |
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Particulars |
Paid up |
Statutory |
Other |
Profit and Loss |
Total |
|||
|
Capital |
Reserve |
Reserve |
Accounts |
|
||||
|
Balance as at 01 July 2007 |
2,593,900,000
|
206,390,709 |
1,520,141,141 |
- |
4,320,431,850 |
|||
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Difference in currency
translation |
- |
(474,391) |
- |
- |
(474,391) |
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Transferred from current year
net profit |
- |
32,241,874 |
- |
- |
32,241,874 |
|||
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Revaluation Surplus |
- |
- |
1,152,016,458 |
- |
1,152,016,458 |
|||
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Valuation Adjustment |
- |
- |
|
- |
- |
|||
|
Provisional Income from
Treasury bill |
- |
- |
162,175,780 |
- |
162,175,780 |
|||
|
Adjustment of Other Reserve
|
- |
- |
(145,732,920) |
- |
(145,732,920) |
|||
|
Net Profit/(Loss)/07 after considering
prov. |
- |
- |
- |
128,967,498 |
128,967,498 |
|||
|
Balance as of 31 December
2007 |
2,593,900,000 |
238,158,192 |
2,688,600,459 |
128,967,498 |
5,649,626,149 |
|||
|
Notes: |
||||||||
|
1. The
annexed notes from an integral part of the financial statements |
||||||||
|
2.
Comparative figures for six month ending |
||||||||
|
3.
Auditors report Pages (1to 3) |
||||||||
|
|
||||||||
|
Sd/- Md.
Niaz Uddin Deputy
General Manager (Accounts) |
Sd/- Md.
Golam Sarwar General
Manager (Accounts) |
|||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Sd/- S.
M. Aminur Rahman CEO
& Managing Director |
||||||
|
|
|
|
|
|
|
|
|
Sd/- Mohammad
Al Maruf Khan FCA Director |
|
Sd/- Commodore
Mohammad Zarzeul Islam, (L), PSC, BN Director |
||||
|
|
||||||
|
Sd/- Suhel A Choudhury Chairman |
||||||
|
Dated, 11, May 2008 |
|
|
|
|
||
|
Janata Bank Limited |
||||||
|
Liquidity
Statement |
||||||
|
Assets and
Liability Maturity Analysis |
||||||
|
As of 31st
December 2007 |
||||||
|
Particulars |
Up to 01 month |
01 to 03 months |
03 to 12 months |
01 to 05 years |
More than |
Total |
|
|
05 years |
|||||
|
|
Taka |
Taka |
Taka |
Taka |
Taka |
Taka |
|
Assets: |
|
|
|
|
|
|
|
Cash in hand |
15,579,764,948 |
- |
- |
- |
- |
15,579,764,948 |
|
Balance with other banks
and financial institutions |
1,683,202,427 |
4,050,000,000 |
910,000,000 |
200,000,000 |
1,458,111,349
|
8,301,313,776 |
|
Money at call on short
notice |
8,467,349,333 |
- |
|
100,000,000 |
- |
8,567,349,333 |
|
Investment |
972,642,380 |
3,786,758,234 |
6,308,499,979 |
21,952,094,606 |
22,842,935,193 |
55,862,930,392 |
|
Loans and Advances |
15,527,718,073 |
24,504,045,200 |
35,602,040,300 |
26,203,420,500 |
19,367,230,900 |
121,204,454,973 |
|
Fixed assets including premises, furniture
and fixtures |
- |
- |
133,025,700 |
606,030,500 |
1,685,120,900 |
2,424,177,100 |
|
Other assets |
2,727,593,431 |
2,752,510,500 |
3,689,363,374 |
8,484,007,300 |
14,467,648,621 |
32,121,123,226
|
|
Non banking assets |
- |
- |
- |
- |
- |
- |
|
Total Assets |
44,958,270,592 |
35,093,313,934 |
46,642,929,353 |
57,545,552,906 |
59,821,046,963 |
244,061,113,748 |
|
|
|
|
|
|
|
|
|
Liabilities: |
|
|
|
|
|
|
|
Borrowing
from Bangladesh Bank, other banks, financial institutions and agents |
1,001,070,800 |
1,709,273,536 |
130,821,291 |
662,545,278 |
587,633 |
3,504,298,538 |
|
Deposits |
38,238,230,700 |
29,564,050,300 |
40,287,035,400 |
53,201,040,500 |
27,742,289,972 |
189,032,646,872 |
|
Other accounts |
1,506,025,700 |
2,985,212,330 |
2,409,067,001 |
2,300,869,751 |
402,070,400 |
9,603,245,182 |
|
Provision and other
liabilities |
5,383,874,551 |
2,604,898,298 |
2,502,570,500 |
901,964,234 |
24,877,989,424 |
36,271,297,007 |
|
Total Liabilities |
46,129,201,751 |
36,863,434,464 |
45,329,494,192 |
57,066,419,763 |
53,022,937,429 |
238,411,487,599 |
|
Net Liquidity Gap |
(1,170,931,159) |
(1,770,120,530) |
1,313,435,161 |
479,133,143 |
6,798,109,534 |
5,649,626,149
|
|
|
||||||
|
Notes: |
||||||
|
1. The
annexed notes from an integral part of the financial statements |
||||||
|
2.
Comparative figures for six month ending 30 June 2007 and twelve month
ending 31, December 2006 for Janata
Bank are shown In Annex
6 and 7 |
||||||
|
3.
Auditors report Pages (1 to 3) |
||||||
|
Sd/- Md.
Niaz Uddin Deputy
General Manager (Accounts) |
|
Sd/- Md.
Golam Sarwar General
Manager (Accounts) |
||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Sd/- S.
M. Aminur Rahman CEO
& Managing Director |
||||||
|
|
|
|
|
|
|
|
|
Sd/- Mohammad
Al Maruf Khan FCA Director |
Sd/- Commodore
Mohammad Zarzeul Islam, (L), PSC, BN Director |
|||||
|
|
||||||
|
|
|
|
|
|
|
|
|
Sd/- Suhel A Choudhury Chairman |
||||||
|
|
|
|
|
|||
|
Dated, Dhaka 11, May 2008 |
|
|
|
|
||