31 December 2009		31 December 2008
			Taka		Taka
3.00	Cash
a.	Cash in hand
	In Local Currency		3,347,597,018		3,591,822,281
	In Foreign  Currency		465,083,588		774,991,571
			3,812,680,606		4,366,813,852
b.	Balance with Bangladesh Bank and its agent bank(s)
	In Local Currency		21,203,495,905		15,648,072,125
	In Foreign Currency		3,399,777,031		626,706,221
			24,603,272,936		16,274,778,346
			28,415,953,542		20,641,592,198
c.	Mode of deposit with Bangladesh Bank (As per Bangladesh Bank Record)
	Statutory Deposit		21,281,407,604		15,303,955,000
	Non-statutory Deposit		-		-
			21,281,407,604		15,303,955,000
3.01	Cash Reserve Requirements (CRR) and Statutory Liquidity Ratio (SLR)
	Cash Reserve Requirements (CRR) and Statutory Liquidity Ratio (SLR) have been calculated and maintained in accordance with the Section 25 & 33 of the Bank Companies Act 1991 and subsequent BRPD Circular No.11 & 12 dated August 25, 2005.
	The Cash Reserve Requirement on the Bank's time and demand liabilities at the rate of 5% has been calculated and maintained with Bangladesh Bank in current account and 18% Statutory Liquidity Ratio, including CRR, on the liabilities has also been maintained in the form of treasury bills, bonds and debentures including F.C. balance with Bangladesh Bank. Both the reserves maintained by the Bank are in excess of the statutory requirements, as shown below:
3.01.a	Cash reserve requirements (CRR) 5% of Average Demand & Time Liabilities :
	As per BRPD Circular No. 11 & 12 dated August 25, 2005 Sonali Bank Ltd. has to maintain Tk.1,805.38 (5% of Total Demand & Time liabilities) crore daily average on fortnightly basis on December 2009 as CRR .
			5%		5%
	Required Reserve		18,053,834,000		15,692,426,000
	Actual Reserve held with Bangladesh Bank (Note-3.00 c)		21,281,407,604		15,303,955,000
	Surplus/(deficit)		3,227,573,604		(388,471,000)
	Required Reserve		18,053,834,000		15,692,426,000
	Maintenance (Average)		21,281,407,604		15,774,314,000
	Surplus/(deficit)		3,227,573,604		81,888,000
	As per directives of Bangladesh Bank actual CRR should be maintained at an average of  5% on time and demand liabilities on a fortnightly basis. However, minimum 4% can be maintained for a particular day of the fortnight. Therefore, effectively there was no shortfall in CRR as per Bangladesh Bank directives.
3.01.b	Statutory Liquidity Ratio (SLR): 18% including 5% Cash Reserve
	Requirement of average demand and time liabilities:
	The Bank has to maintain Tk. 6,499.38 Crore (18% of Total Demand & Time liabilities) on daily  basis on December 2009 as SLR against which the bank maintained Tk. 13,453.72 crore as a result the surplus of SLR stood Tk 6,954.35 Crore.
	Required Reserve		64,993,801,000		56,492,735,000
	Actual Reserve held		134,537,256,000		112,779,719,000
	Surplus		69,543,455,000		56,286,984,000
4.00	Balance with other Banks & Financial institutions:
	Inside Bangladesh (4.01)		3,696,316,284		5,265,819,000
	Outside Bangladesh (4.02)		6,918,409,808		4,713,898,359
			10,614,726,092		9,979,717,359
4.01	Inside Bangladesh (Term Deposits)
	Ind. Infrastructure & Development Finance Co. (IIDFC)		200,000,000		300,000,000
	Lanka Bangla Finance Ltd		250,000,000		100,000,000
	Delta Brac Housing Finance Corporation (DBH)		-		400,000,000
	ICB Islamic Bank Ltd		145,819,000		145,819,000
	Bangladesh Commerce Bank Ltd.		-		100,000,000
	National Bank of Pakistan		100,000,000		-
	BRAC Bank Ltd.		-		400,000,000
	A B Bank Ltd		-		250,000,000
	First Lease International Ltd.		50,000,000		50,000,000
	First Security Bank Ltd.		400,000,000		300,000,000
	Fidelity		100,000,000		-
	Investment		500,000,000		-
	Jamuna Bank Limited		400,000,000		-
	Habib Bank Ltd.		-		150,000,000
	Mutual Trust Bank Ltd		-		200,000,000
	Mercantile Bank Ltd.		-		400,000,000
	National Credit and Commerce Bank Ltd.		-		450,000,000
	People's Leasing & Financial Services Ltd.		320,000,000		230,000,000
	Prime Finance and Investment Ltd.		200,000,000		150,000,000
	Premier Leasing & Investment Ltd		150,000,000		150,000,000
	Phoenix Finance  & Investment Limited		230,000,000		180,000,000
	Standard Bank Ltd		-		350,000,000
	South East Bank Ltd		-		200,000,000
	Bay Leasing & Investment Ltd		80,000,000		80,000,000
	Bangladesh Industrial Finance Company Ltd.		100,000,000		30,000,000
	Uttara Finance & Investment Ltd		50,000,000		250,000,000
	Union Capital Ltd		100,000,000		50,000,000
	GSP		50,000,000		-
	Bangladesh Finance & Investment Co.		-		50,000,000
	Islamic Finance and Investment Ltd.		20,000,000		100,000,000
	International Leasing & Finance Service Ltd.		250,000,000		200,000,000
	FDR With Other Bank		497,284		-
	Total		3,696,316,284		5,265,819,000
4.02	Balance Held with Foreign Banks (Outside Bangladesh)
a.	Foreign Banks (Annexure-A)		6,372,238,761		4,317,690,954
b.	Asian Clearing Union (Annexure-B)		342,274,964		275,656,101
c.	Overseas Branches of Sonali Bank Ltd. (Annexure-C )		203,896,083		120,551,304
	Total		6,918,409,808		4,713,898,359
4.03	Maturity grouping of balance held with other banks
	Payable on Demand		5,197,662,718		4,859,717,359
	Payable within 3 months		3,719,867,385		3,530,000,000
	Payable above 3 months to 1 Year		1,697,195,989		1,590,000,000
	Payable above 1 year to 5 Years		-		-
	Payable after 5 Years		-		-
			10,614,726,092		9,979,717,359
5.00	Money at call on short notice
	Inside Bangladesh (5.01)		3,060,000,000		180,000,000
	Out side Bangladesh (5.02)		19,323,200		70,857,360
			3,079,323,200		250,857,360
5.01	Inside Bangladesh
	ICB Islamic Bank Ltd.		180,000,000.00		-
	People Leasing		150,000,000.00		-
	Delta Brac Housing Finance Corporation (DBH)		80,000,000.00		-
	International Leasing		80,000,000.00		-
	BIFC		70,000,000.00		-
	Premier Leasing		50,000,000.00		-
	Prime Finance		200,000,000.00		-
	United Leasing		100,000,000.00		-
	Union Capital		100,000,000.00		-
	Bay Leasing		50,000,000.00		-
	Eastern Bank Ltd.		1,400,000,000.00		-
	Citi Bank Ltd.		200,000,000.00		-
	Premier Bank Ltd		200,000,000.00		180,000,000
	Basic Bank Ltd.		200,000,000		-
			3,060,000,000		180,000,000
5.02	Outside Bangladesh
	Kolkata branch of Sonali Bank Ltd.		19,323,200		70,857,360
6.00	Investment
a)	Government Securities (6.01)		109,499,844,618		93,947,843,070
	Other Investment (6.02)		3,980,121,691		1,145,398,129
			113,479,966,309		95,093,241,199
b)	Held to Maturity (HTM)		48,751,564,637		65,306,324,625
	Held for Trading (HFT)		60,809,526,571		28,617,325,023
	Other Securities		3,730,311,740		998,800,172							38,096,685
	Prize Bonds		78,775,410		94,204,420
			113,370,178,358		95,016,654,240
	Overseas Branches		109,787,951		76,586,959
			113,479,966,309		95,093,241,199
6.01	Government Securities
	Treasury Bills (6.01.1)		18,379,676,484		8,640,828,374
	Prize Bonds		78,775,410		94,204,420								##
	Treasury Bonds (6.01.2)		90,562,774,824		84,428,312,376								(2)
	Reverse REPO		-		200,000,000
	Debentures of Govt. Corporations		478,617,900		584,497,900
			109,499,844,618		93,947,843,070
6.01.1	Treasury Bills
	28 days' treasury bills		-		-
	91 days' treasury bills		3,684,820,780		2,234,530,079								##
	182 days' treasury bills		5,839,055,704		1,299,968,463
	364 days' treasury bills		8,855,800,000		5,106,329,832
	5 years' treasury bills		-		-
			18,379,676,484		8,640,828,374