Janata Bank

Balance Sheet

As of 30th June 2007

 

 

Note

30-06-2007

31.12.2006

 

Taka

Taka

PROPERTY AND ASSETS

 

 

 

Cash

3

     12,788,787,453

       9,749,023,636

Cash in hand (Including foreign currency)

 

          2,765,531,484

          2,410,912,091

Balance with Bangladesh Bank and it's agent bank(s)

 

        10,023,255,969

          7,338,111,545

Balance with other banks and financial institutions

4

       6,414,656,274

       4,295,778,407

In Bangladesh

 

          5,763,073,080

          1,801,800,027

Outside Bangladesh

 

            651,583,194

          2,493,978,380

Money at call on short notice

5

       5,624,699,056

       7,988,357,211

Investments:

6

     40,668,418,344

     24,785,386,038

Government

 

        40,379,632,053

        24,253,044,620

Others

 

            288,786,291

             532,341,418

Loans and Advances

7

  134,840,487,550

  138,492,512,749

Loans, cash credit, overdrafts, etc.

 

       133,831,169,362

       129,618,690,178

Bills purchased & discounted

 

          1,009,318,188

          8,873,822,571

Fixed Assets including premises, furniture and fixtures

8

1,307,418,848

1,287,323,038

Other assets

9

     24,362,398,862

     26,065,548,257

Non -banking assets

 

                          -  

                          -  

TOTAL PROPERTY AND ASSETS

 

  226,006,866,387

  212,663,929,336

LIABILITIES AND CAPITAL

 

 

 

Liabilities:

 

 

 

Borrowings from other banks, financial institutions and agents

10

       2,401,753,260

       3,481,408,924

 

 

 

 

Deposits and other Accounts

11

  196,088,950,219

  182,946,535,961

Current accounts and other accounts

 

        32,860,277,416

        28,388,268,805

Bills Payable

 

          1,539,067,001

          1,558,986,159

Savings bank deposits

 

        61,285,761,821

        59,817,089,793

Fixed deposits

 

       100,403,843,981

        93,182,191,204

Bearer certificates of deposits

 

-

-

Other deposits

 

-

-

Other Liabilities

12

     30,403,835,501

     31,883,735,217

Total Liabilities

 

  228,894,538,980

  218,311,680,102

Capital/Shareholders' Equity :

 

 

 

Paid-up Capital

13

          2,593,900,000

          2,593,900,000

Statutory Reserve

14

            206,390,709

             206,390,709

Other Reserve

15

          1,519,797,443

          1,520,141,141

Surplus in Profit/(Loss) Account upto 2006

16

        (9,968,182,616)

         (9,968,182,616)

 Profit/(Loss)for the period of June/07

 

          2,760,421,871

 

Total Shareholders' Equity

 

     (2,887,672,593)

     (5,647,750,766)

TOTAL LIABILITIES & SHARE HOLDERS' EQUITY

 

  226,006,866,387

  212,663,929,336

 

 

OFF-BALANCE SHEET ITEMS

Note

 

30-06-2007

 

31.12.2006

 

Taka

 

Taka

Contingent Liabilities

 

17

 

    39,220,245,819

 

    44,121,745,296

Acceptances & Endorsements

                         -  

 

                         -  

Letters of Guarantee

         2,841,917,377

 

         2,552,108,859

Irrevocable Letters of Credit

       32,626,517,486

 

       37,356,773,350

Bills for Collection

         3,751,810,956

 

         4,212,863,087

Other Contingent Liabilities

-

 

-

Other Commitments:

 

 

 

Documentary credits and other 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

-

 

-

Total off Balance Sheet Items including Contingent Liabilities:

    39,220,245,819

 

    44,121,745,296

The annexed notes form an integral part of the Balance Sheet.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Sd/-

Md. Niaz uddin

Deputy General Manager (Accounts)

 

 

Sd/-

G.M. Baqui Billah

General Manager (Accounts)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Sd/-

Md. Mukter Hussain

Managing Director

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Sd/-

Mohammad Al  Maruf  Khan FCA

Director

 

 

Sd/-

Muhammad Abdul Mazid

Director

 

 

 

 

 

 

 

 

 

Sd/-

Suhel  A  Choudhury

Chairman

 

 

 

 

 

 

 

This is the Balance Sheet referred to in our report of even date.

 

Dated, Dhaka

 

 

 

 7th August 2007

 

 

 

 

 

 

 

 

 

 

 

 

Janata Bank

Profit and Loss Account

For the period ended 30th June 2007

 

PARTICULARS

Note

 

Jun-07

 

2006

 

Taka

 

Taka

Interest income

18

 

6,694,171,786

 

10,845,776,719

Interest paid on deposits and borrowings etc.

19

 

      (4,704,316,557)

 

        (7,931,369,879)

Net Interest Income

 

 

1,989,855,229

 

2,914,406,840

Investment income

20

 

1,063,173,686

 

2,153,480,404

Commission, exchange and brokerage

21

 

1,348,591,079

 

2,718,842,941

Other operating income

22

 

347,465,625

 

554,068,233

Total Operating Income

 

 

4,749,085,619

 

8,340,798,418

Salary and allowances

 

 

1,573,342,172

 

3,218,629,623

Rent, taxes, insurance and electricity, etc.

 

 

165,158,569

 

323,709,508

Legal Expenses

 

 

7,563,279

 

16,166,093

Postage, stamp, telecommunication etc.

 

 

9,260,349

 

9,028,341

Stationery, printings , advertisements etc.

 

 

40,666,403

 

85,009,348

Chief executive's (MD) salary and fees

 

 

135,120

 

438,426

Directors' fees

23

 

242,500

 

369,000

Auditor's fees

 

 

633,092

 

2,232,844

Charges on Loan Losses

 

 

-

 

-

Depreciation and repair of  bank's assets

 

 

64,076,285

 

158,792,344

Other expenses

24

 

127,585,978

 

312,898,985

Total Operating Expenses

 

 

1,988,663,747

 

4,127,274,512

Profit/(Loss) before provision

 

 

2,760,421,872