Amount inTaka Particulars Notes 2014 2013 Cash 3(a) Cash in hand (including foreign currencies) 1,920,151,177 2,691,858,851 Balance with Banglaclesh Bank & Sonali Bank (inclucling foreign currcncies) 11,265,691,872 L),362,469,751 1.6,186,L46,349 12,054,329,605 Balance with other banks and financial institutions 4(a) In Bangladesh 21,901,628,266 21,122,033,135 Outside Bangladesh 484,897,237 501,606,577 22,386,525,503 21,923,640,012 Money at call and short notice 5(u) 5,030,000,000 8,650,000,000 Investments 6(u) Covernment 56,741,965,545 29 090 R?n lq5 Others 12,077,72L,477 10,461,777,171 68,819,697,022 39,552,597,966 Loans and advances 7(a) Loans, cash credit, overdrafts etc. 122,894,580,653 104,742,869,652 Bills purchased and discounted 2,359,887,950 2,790,385,038 125,254,469,603 107,533,254,690 Fixed assets including land, building furnifure and fixtures 8(a) 13,976,332,957 9,567,767,915 Other assets e(u) 1.6,727,326,'1,35 17,194,720,579 Non-banking assets 10(a) Total assets 268,380,496,570 21.6,466,309,567 Liabilities and capital Liabilities Borrowing from other banks, financial institutions and agents 11(a) 1.,305,24'l.,gg5 746,4'1.3,997 Deposits and other accounts 12(a) Current and other accounts, etc. 14,791,022,346 14,829,889,904 Bills payable 1,471,851,288 1,712,516,196 Savings deposits 41,060,394,652 37,t)31,032,603 Fixed deposits 161,330,550,226 12,1,352,3E.4,839 Other deposits 221.,655,819,5'1,2 177,955,923,g42 Other liabilities 13(a) 30,5'1.5,096,917 25,997,033,452 Total liabilities 253,478,L57,323 204,589,27'1,,19'L Capital and shareholders' equify Paid up capital 1.4 2,087,250,000 1,815,000,000 Share money deposit 15 2,799,953,800 2,799,953,800 Statutory reserve 16 2,659,842,336 2,502,033,346 General reserve 1Z \,513,298,170 1.,513,299,170 Assets revaluation reserve 18 3,252,796,931 '1.,400,864,153 Revaluation reserve for securities 19 782,962,827 111,1.08,269 Retained earnings 2O(a) 1,806,225,183 1,734,790,749 Total shareholders' equity L4,902,32g,246 17,877,039,496 Total liabilities and shareholders' equify 258,380,496,570 2'1.6,466,309,567
Rupali Buk Limittd ,r,
-r t- Rupali Bank Limited Consolidated Balance Sheet as at 31 December 201^4 Amount inTaka Padiculars Notes 20L4 2013
Off - balance sheet exposure 21(a)
Contingent liabilities Acceptance and endorsements Letter of guarantee 2,525,851,308 2,644,340,603
Irrevocable letters of credit 32,818,31.6,123 44,153,061,,097
Bills for collection 3,986,183,448 3,887,604,266
Other contingent liability (DC Notes) 1,,263,561, L,263,561.
Total contingent liabilities 39,331,61,4,440 50,686,269,527
Other commitments
Documentary credits and short term trade-related transaction
Forward assets purchased and forward deposit placed Undrawn note issuance and revolving underwriting facilities Undrawn formal standby facilities, credit lines and other commitments Liabilities against forward purchase and sale Total off balance sheet exposure including contingent liabilities 39,331,,6L4,440 50,685,269,527
Net Asset Value Per Share (NAVPS) 77.40 65.44
The annexed accounting policies and other notes form an integral part of these financial statements
Managing Director /leiautu Director fi"*r,Director Chairman
@ T*,1*l].1 ,rss Rupali Bank Limited Consolidated Profit and Loss aecount for the year ended gr December satg Amount inTaka Particulars Notes 2014 2013
Interest income 23(a) 14,541,287,187 12,869,
Less: Interest paid on deposits and borrowings etc. 2a@) 15,711,388,219 1L,908,177,466 Net interest income ('1,,170,101,032) 951.,774,740 Investment income 25(a) 5,527,961,4 969 Commission, exchange, brokerage etc. 26(a) 1,433,180,429 1,386,751,110 Other operating income 27(a) 680,838,499 509,0L6 Total operating income 6,471,979,374 5,546,365,263 Salary and allowances 28(a) ,t LwrlLVt/UJ Rent, taxes, insurance, electricity etc. 2e(a) 347,956,906 285,055,230 Legal and professional expenses 10,223,833 5,433,280 Postage, stamp, telecommunication etc. 30(a) 23,793,184 19,588,239 Stationery, printing, advertisement etc. 31(a) 107,687,541 1.00,460,826 Managing Director's salary and fees 28.01(a) 825,960 693,360 Directors' fees and expenses 28.02(a) 2,065,750 1,185,750 Auditors'fees 32(a) 1,553,250 1.,746,500 Charges on loan losses Depreciation and repairs o{ bank's assets 33(a) 411,405,063 384,548,668 Other expenses 3a(a) 914,284,357 903,703,422 Total operating expenses 3,817,597,093 3,412,926,259 Profit/(loss) bef ore provision 2,660,282,291 2,133,539,005 Provision for loans and advances 35(a) Provision for off-balance sheet exposures 36(a) 81,770,821 Provision for diminution in value of investments 37(a) 31,345,912 17,518,313 Other provisions 38(a) 340,937,640 378,361,848 Total provisions 1.,774,273,293 1.,009,381.,529 Total profit/ (loss) before tax 886,008,999 '1.,124,157,476 Provision for taxation 3e(a) 395,101,531 672,194,205 Current tax Deferred tax ,066,762) ,749, Net profit after tax for the year 490,907,467 457,973271 L)ther comprehensive income Total comprehensive income 490,907,467 45'L,973,271. Retained earnings brought forward from previous vear (restatcd) 20(a) 1,473,126,705 1,494,952,125 1.,964,034,172 1,946,925,396 Appropriations Statutory reserve General reserve Other reserve 1.57,808,989 212,'1.44,648 Retained earnings surplus L,806,225,t83 7,734,790,749 Basic earning per share (EPS) restated aO(a) 2.3s 2.17 The annexed accounting policies and other notes form an integral part of these financial statements.
Managing $h, *rector i (\,r-,t Director /6'*'tP' Director / ..-J -i qhl- -v {l
