| PROPERTY
AND ASSETS |
NOTES |
AMOUNT (IN TAKA) |
| 30.06.
2009 |
30.06.
2008 |
FIXED
ASSETS
|
Fixed Assets at
cost less depreciation |
3 |
9,561,230.00 |
10,105,516.00 |
INVESTMENTS |
|
44,561,508.00 |
31,505,890.00 |
Investment in
FDR |
4 |
30,150,000.00 |
23,250,000.00 |
Investment, LLP |
5 |
10,600,000.00 |
2,000,000.00 |
Investment, DMF |
6 |
3,631,441.00 |
5,689,999.00 |
Investment in
Partnership Loan Programe |
7 |
180,067.00 |
565,891.00 |
CURRENT
ASSETS |
490,804,016.75 |
447,644,369.84 |
Asset in Stock |
8 |
469,144.00 |
198,580.00 |
Loan receivable
balance |
9 |
422,653,229.00 |
413,427,124.00 |
Accrued Interest
on FDR |
10 |
3,504,202.00 |
1,555,809.00 |
Staff advance |
11 |
3,241,703.00 |
2,926,422.00 |
Other advance |
12 |
19,294,515.35 |
7,226,028.41 |
Cash and bank
balances |
13 |
41,641,233.40 |
22,310,406.43 |
TOTAL
TAKA
|
544,926,754.75
|
489,255,775.84 |
FUND
AND LIABILITIES
|
CAPITAL
ACCOUNT
|
Capital Fund |
14 |
130,521,646.21 |
127,736,348.21 |
FUND
LIABILITIES |
|
78,619,442.98 |
57,343,783.08 |
Staff Welfare
Fund |
15 |
767,551.00 |
858,375.85 |
Provident Fund |
16 |
1,732,404.00 |
871,124.00 |
| Emergency Fund
|
17 |
22,370,339.00 |
16,417,285.00 |
Loan Loss Provision
Fund |
18 |
40,255,954.00 |
26,962,626.00 |
Disaster Management
Fund |
19 |
3,661,558.00 |
2,774,464.00 |
| Education Scholarship
Fund |
20 |
9,296,377.32 |
9,039,827.57 |
Innovation Fund |
21 |
68,895.66 |
68,895.66 |
Center Fund |
22 |
466,364.00 |
351,185.00 |
LONG
TERM LOAN |
|
92,583,547.31 |
79,440,361.38 |
Loan from PKSF |
23 |
61,300,000.00 |
31,300,000.02 |
Loan from other
sources |
24 |
31,283,547.31 |
48,110,361.36 |
CURRENT
LIABILITIES |
|
230,340,135.00 |
212,478,283.00 |
Members Savings |
25 |
188,341,884.00 |
187,462,023.00 |
| Special Savings |
26 |
36,335,869.00 |
19,231,540.00 |
Paribaric Savings |
27 |
3,155,069.00 |
1,837,025.00 |
Savings Account |
28 |
2,507,313.00 |
3,947,695.00 |
OTHER
CURRENT LIABILITIES |
|
12,861,983.25 |
12,257,000.17 |
Risk Insurance |
29 |
2,151,869.00 |
1,790,861.00 |
Agriculture Program |
30 |
74,238.00 |
316,979.00 |
Health Programe |
31 |
5,832,708.00 |
5,520,590.00 |
Secuity money,
Staff |
32 |
1,297,780.00 |
752,500.00 |
Other |
33 |
3,505,388.25 |
3,876,070.17 |
TOTAL
TAKA
|
544,926,754.75 |
489,255,775.84 |
|
|
INCOME AND EXPENDITURE ACCOUNT FOR
THE YEAR ENDED 30th JUNE 2009 |
INCOME:
|
SERVICE
CHARGES
|
91,569,592.00 |
94,904,606.00 |
Interest
on Staff Advance
|
113,151.00 |
67,858.00 |
Interest
on FDR
|
2,681,631.00 |
1,405,229.00 |
Interest
on Partnership Loan Program
|
0.00 |
11,700.00 |
House
Rent
|
910,338.00 |
952,473.00 |
Bank
Interest
|
206,009.10 |
229,581.23 |
Pass
book Sale
|
151,500.00 |
148,099.00 |
Account
Closing Fee
|
393,028.00 |
389,393.00 |
News
Paper Sale
|
11,394.00 |
9,478.00 |
Attendance
Register sale
|
13,957.00 |
25,607.00 |
Car
Sale
|
465,000.00 |
490,000.00 |
| Other Income |
300,888.00 |
443,672.49 |
Donation
|
445,563.00 |
- |
|
Total Taka: |
97,926,211.10 |
99,077,696.72 |
EXPENDITURE:
|
A.
OPERATING EXPENSES:
|
79,305,264.53 |
68,695,417.34 |
Salary
and Allowance
|
43,170,652.00 |
33,140,782.00 |
Traveling
& conveyance
|
3,812,374.00 |
3,279,189.00 |
Reporting,
Printing & Publication
|
1,247,518.00 |
1,163,352.00 |
Stationery
|
522,759.00 |
438,018.00 |
Office
Rent
|
3,285,668.00 |
2,853,304.00 |
Utilities
|
654,168.00 |
646,908.00 |
Postage,
Telephone
|
581,669.00 |
641,384.00 |
Operarion
& Maintenance of Equitment
|
441,184.00 |
386,919.00 |
Workshop/Seminer
|
617,702.00 |
492,714.00 |
Fuel
& Maintenance
|
633,744.00 |
524,792.88 |
Registration
& Insurance
|
112,912.00 |
71,477.00 |
Bank
Charges
|
410,345.21 |
442,295.08 |
Legal
Expense
|
154,538.00 |
232,240.00 |
Carrying
& Transportation
|
7,721.00 |
7,560.00 |
Advertisement
|
74,222.00 |
41,935.00 |
Audit
fee
|
29,000.00 |
30,000.00 |
Work
Aid
|
63,320.00 |
70,840.00 |
News
Paper
|
170,613.00 |
158,389.00 |
Contribution
to Provident fund
|
861,280.00 |
871,124.00 |
Resarch
& Development |
177,447.00 |
358,009.00 |
Human
resources development |
420,975.00 |
1,443,026.00 |
Contribution
to Emergency fund
|
3,545,199.00 |
3,502,267.00 |
Contribution
to Staff welfare Found
|
69,105.15 |
- |
Staff
welfare Found
|
7,386.00 |
134,816.00 |
Loan
loss Provision (LLP) |
15,394,176.00 |
15,140,096.00 |
DMFE |
887,094.00 |
937,209.00 |
Depriciation |
1,474,161.00 |
1,151,966.00 |
Donation |
14,800.00 |
165,777.00 |
Contingencics |
463,532.17 |
369,028.38 |
B.
INTEREST ON LOAN:
|
7,805,954.99 |
8,133,523.25 |
Grameen
Trust
|
1,122.00 |
13,634.00 |
PKSF
|
1,521,824.99 |
2,123,350.00 |
Grhayan
Tahbil
|
11,107.00 |
22,232.00 |
Sonali
Bank Ltd.
|
334,276.00 |
459,459.00 |
BASIC
Bank
|
22,813.00 |
157,971.75 |
BRAC
Bank
|
4,112,170.00 |
3,711,032.50 |
Provident
Fund
|
201,000.00 |
110,000.00 |
Edication
Scholarship Found |
849,243.00 |
837,156.00 |
Health
Program |
529,951.00 |
531,852.00 |
CDF |
222,448.00 |
166,836.00 |
C.
INTEREST PAID ON MEMBER'S SAVINGS:
|
10,083,791.00 |
8,901,988.00 |
Members
Savings
|
7,748,193.00 |
7,651,198.00 |
Special
Savings
|
1,084,477.00 |
297,734.00 |
Paribaric
Savings
|
204,481.00 |
58,854.00 |
Savings
Account
|
109,690.00 |
169,258.00 |
Emergency
Fund
|
830,161.00 |
641,823.00 |
Risk
Fund
|
87,511.00 |
68,443.00 |
Center
Fund
|
19,278.00 |
14,678.00 |
Total
Exponditure (A+B+C)
|
97,195,010.52 |
85,730,928.59 |
EXCESS
OF INCOME OVER EXPENDITURE
|
731,200.58 |
13,346,768.13 |
|
Total Taka |
97,926,211.10 |
99,077,696.72 |
RECEIPTS
AND PAYMENTS ACCOUNTS FOR THE PERIOD FROM 1st JULY 2008 TO 30
JUNE 2009
|
Opening
Balance 01.07.2008
|
22,310,406.43 |
|
Cash
in Hand
|
1,278,428.00 |
|
Cash
at Banks
|
21,031,978.43 |
|
Encashment
(Savings) of FDR
|
1,500,000.00 |
|
Loan
Loss Provision Found Investment
|
4,376,637.00 |
|
Disaster
Management Found Investment
|
385,824.00 |
|
Interest
on FDR
|
700,542.00 |
|
Loan
Realised from Members
|
749,379,395.00 |
|
Staff
Advance Realised
|
2,771,123.00 |
|
Other:
|
25,647,053.99 |
|
Purchase
|
930,849.00 |
|
Equipment
Advance (T.V)
|
67,227.00 |
|
Travelling
Advance
|
654,773.00 |
|
Motor
Car Advance
|
192,324.00 |
|
Advance
House Rent
|
372,300.00 |
|
Advance
for accident & Disaster
|
2,578,791.00 |
|
HFPP
|
101,598.00 |
|
Loan
to improve over program
|
90,803.00 |
|
Advance
for Salary
|
211,394.00 |
|
Loan
to PKSF Program
|
20,150,659.99 |
|
HV/AIDS
Program
|
201,222.00 |
|
Agriculture
Program
|
16,410.00 |
|
Petty
Cash
|
78,703.00 |
|
MEMBERS
SAVINGS
|
88,892,205.00 |
|
SPECIAL
SAVINGS
|
41,157,607.00 |
|
PARIBARIC
SAVINGS
|
2,174,762.00 |
|
SAVINGS
ACCOUNT
|
6,987,603.00 |
|
EMERGENCY
FOUND
|
8,176,122.00 |
|
RISK
INSURANCE
|
523,157.00 |
|
CENTER
FOUND
|
110,930.00 |
|
LOAN
FROM PKSF
|
55,000,000.00 |
|
LOAN
FROM OTHER SOURCES
|
7,565,347.00 |
|
SECURITY
MONEY, STAFF
|
593,810.00 |
|
OTHER
LIABILITIES:
|
5,438,686.00 |
|
GTZ-
Found
|
71,800.00 |
|
Audir
Fee
|
18,777.00 |
|
CIDA-
Project
|
1,225,482.00 |
|
HKI-
Project
|
2,027,735.00 |
|
Provident
Found
|
104,273.00 |
|
|
T.V. Charge
|
14,435.00 |
|
HFPP
|
22,665.00 |
|
Improvement
Women
|
159,411.00 |
|
Other
Program
|
211,850.00 |
|
Excess
Cash/Bank
|
332.00 |
|
Solar
Home System
|
851,328.00 |
|
ANCT
Now Children
|
103,335.00 |
|
CRS
|
11,824.00 |
|
Health
Program
|
12,703.00 |
|
Agriculture
Program
|
425.00 |
|
Others
|
597,274.00 |
|
Payble
Savings
|
5,037.00 |
|
Service
Charge
|
91,569,592.00 |
|
Interest
from Staff Advance
|
113,151.00 |
|
Bank
Interest
|
910,338.00 |
|
House
Rent
|
206,009.00 |
|
Interest
on FDR
|
32,696.00 |
|
Pass
Book Sale
|
151,500.00 |
|
Account
Clossing Fee
|
393,028.00 |
|
Interest
on Solar Loan
|
664,160.00 |
|
News
Paper Sale
|
11,394.00 |
|
Attendance
Register Sale
|
13,957.00 |
|
Car
Sale
|
465,000.00 |
|
Other
Income
|
300,888.00 |
|
Donation
|
445,563.00 |
|
Total
Taka
|
1,120,968,486.52 |
|
PAYMENTS
|
Loan
Disbursed
|
758,605,500.00 |
|
OPERATING
AND ADMINISTRATIVE COST:
|
Salary
and Allowance
|
43,126,240.00 |
|
Travelling
& Conveyance
|
3,671,966.00 |
|
Reporting, Printing & Publication
|
1,247,518.00 |
|
Stationery
|
522,759.00 |
|
| Office Rent
|
3,237,904.00 |
|
Utilities
|
633,049.00 |
|
Postage
& Telephone
|
579,669.00 |
|
Operation
& Maintenance of Equipment
|
441,184.00 |
|
Workshop/Seminer
|
617,702.00 |
|
Motor
Fuel & repair
|
626,044.00 |
|
Registration
and Insurance
|
112,912.00 |
|
Bank
Charges
|
410,345.21 |
|
Legal
Expense
|
154,538.00 |
|
Carrying
& Transport
|
7,721.00 |
|
Advertisment
|
74,222.00 |
|
Audit
Fee
|
29,000.00 |
|
Work
Aid
|
63,320.00 |
|
News
Paper
|
170,613.00 |
|
Cost
of Fund (Interest on Loan)
|
6,495,866.14 |
|
Resarch
& Development
|
177,447.00 |
|
Human
resources Development
|
420,975.00 |
|
Loan
Loss Expenses
|
|
|
Disaster
Management Found
|
|
|
Contribution
to Emergency Found Expenses
|
3,545,199.00 |
|
Donation
Payment
|
14,800.00 |
|
Contingencies
|
463,532.17 |
|
CAPITAL
EXPENDITURE
|
Land
|
144,442.00 |
|
Vehicle
|
|
|
Building
|
26,910.00 |
|
Equipment
|
367,541.00 |
|
Electrical
Installation
|
157,534.00 |
|
Furniture
|
233,448.00 |
|
CAPITAL
FUND
|
0.00 |
|
|
INVESTMENT OF FDR (SAVINGS)
|
10,400,000.00 |
|
|
|
10,600.000.00 |
|
|
|
|
|
ASSET
IN STOCK
|
270,564.00 |
|
SECURITY
MONEY, STAFF
|
48,530.00 |
|
HEALTH
PROGRAMME
|
264,583.00 |
|
LOAN
REFUND (PKSF)
|
25,030,000.00 |
|
LOAN
FROM OTHER SOURCES
|
24,392,161.00 |
|
AGRICULTURE
FUND
|
242,741.00 |
|
STAFF
ADVANCE
|
3,086,404.00 |
|
SAVINGS
RETURNED
|
95,760,537.00 |
|
SPECIAL
SAVINGS
|
25,137,755.00 |
|
PARIBARIC
SAVINGS
|
856,718.00 |
|
SAVINGS
ACCOUNT
|
8,537,675.00 |
|
EMERGENCY
GRANT DISBURSED
|
3,053,229.00 |
|
RISK
INSURANCE
|
249,660.00 |
|
OTHER
ADVANCE
|
37,715,540.93 |
|
Purchase
Advance
|
2,702,135.00 |
|
Equipment
Advance (T.V.)
|
110,801.00 |
|
Travelling
Advance
|
713,681.00 |
|
Motor
Car Advance
|
198,324.00 |
|
Advance
House Rent
|
520,100.00 |
|
Advance
for accident & Disaster
|
3,454,402.00 |
|
Loan
to PD Program
|
30,405.00 |
|
HFPP
|
29,913.00 |
|
Advance
for Building Development
|
1,304,356.00 |
|
Loan
to improve oven Program
|
322,297.00 |
|
Advance
for Salary
|
20,200.00 |
|
Loan
to PKSF Program
|
20,150,659.99 |
|
Loan
to SIDA Program
|
1,002,270.00 |
|
Loan
to Cadian Sida Program
|
198,924.00 |
|
Loan
to Act now Children Program
|
103,335.00 |
|
Loan
to Branch
|
227,888.94 |
|
Loan
to Solar Program
|
6,252,132.00 |
|
HIV/AIDS
Program
|
235,158.00 |
|
GTZ
Found
|
41,500.00 |
|
Agriculture
Program
|
5,200.00 |
|
Petty
Cash
|
78,703.00 |
|
Advance
for Karmashala
|
13,156.00 |
|
Other
Liabilities:
|
6,277,252.00 |
|
Provision
for Expenses
|
250,189.00 |
|
GTZ-Found
|
339,440.00 |
|
Audit
Fee
|
18,777.00 |
|
CIDA-
Project
|
2,252,040.00 |
|
HKI
Project
|
1,849,280.00 |
|
Interest
on Paribaric Savings
|
673.00 |
|
Provident
Found
|
104,273.00 |
|
T.V.
Charge
|
20,644.00 |
|
Vat
Charge
|
32,896.00 |
|
HFPP
|
17,602.00 |
|
Improement
Woven
|
77,216.00 |
|
Other
Program
|
129,070.00 |
|
Excess
Cash/Bank
|
31,232.00 |
|
Solar
Home System
|
845,688.00 |
|
ANCT
Now Children
|
103,335.00 |
|
Health
Program
|
57,058.00 |
|
Others
|
147,839.00 |
|
Education
Scholarship
|
592,693.25 |
|
Centre
Found Program
|
15,029.00 |
|
Staff
Welfare Fund
|
98,210.85 |
|
|
|
|
|
Closing
Balance:
|
41,641,223.90 |
|
Cash
in Hand
|
2,733,947.00 |
|
Cash
at Banks
|
38,907,276.90 |
|
|
Total Taka |
1,120,968,486.52 |
|
|