31 December 2009		31 December 2008
				Taka		Taka
12.00		Deposits and other accounts		406,151,569,403		364,385,970,931
		Inter banks deposits		17,251,588,981		18,275,570,233
		Other deposits		388,899,980,422		346,110,400,698
12.01		Deposits and other accounts
		Payable on Demand		86,179,261,459		85,896,254,066
		Deposit from banks		13,390,916,425		16,869,850,650
		Other than banks		72,788,345,034		69,026,403,416
		Other Deposits		319,972,307,944		278,489,716,865
		Deposit from banks		3,860,672,556		1,405,719,583
		Other than banks		316,111,635,388		277,083,997,282
12.02		Deposits and Other Accounts (Category wise)		406,151,569,403		364,385,970,931
	a)	Domestic Branches		405,815,870,430		364,076,482,455
		Current and Contingency (12.03.a)		101,414,604,791		98,579,738,764
		Bills Payable (12.04.a)		7,073,473,848		6,642,924,279
		Savings Bank Account (12.05.a)		130,302,888,245		120,399,457,006
		Fixed Deposits (12.06.a)		167,024,903,546		138,454,362,406
		Other Deposits		-		-
	b)	Overseas Branches		335,698,973		309,488,476
		Current and Contingency (12.03.b)		228,113,023		215,784,625
		Bills Payable (12.04.b)		-		-
		Savings Bank Account (12.05.b)		32,162,591		23,704,426
		Fixed Deposit (12.06.b)		75,423,359		69,999,425
		Other Deposits		-		-
		Total (a+b)		406,151,569,403		364,385,970,931
12.03		Current and Contingency
		a) Domestic Branches		101,414,604,791		98,579,738,764
		Current A/C (credit Balance)		85,104,870,896		85,297,002,047
		Hajj Deposits		33,343,404		18,660,890
		Margin on Letter of Credit		786,338,923		336,647,979
		Margin on Bank Guarantee		26,595,214		28,158,525
		Foreign Bank Deposit		375,913,884		826,298,406
		ATM A/c.		4,132,903		-
		Current A/C Barter		1,924,523,833		2,361,721,502
		Fixed Deposit Interest		3,381,681,823		3,047,240,142
		Call Deposit		305,943,095		354,615,727
		Monthly Earning Scheme Interest		26,714,812		-
		Double Benefit Scheme Interest		245,523,816		-
		S.B. Employees Provident Fund Interest		3,258,966		-
		Foreign Currency Deposit		7,738,138,758		5,471,732,644
		Unsold Balance of N.F.C.D.		1,155,091,696		663,437,134
		Credit Balance of Loan & Advances		302,532,768		174,223,768
		b) Overseas Branches		228,113,023		215,784,625
		Total (a+b)		101,642,717,814		98,795,523,389
12.04		Bills Payable
		a) Domestic Branches		7,073,473,849		6,642,924,279
		Draft Payable		2,779,307,476		3,218,787,281
		Govt. Draft Payable		588,499,456		84,993,558
		Payment Order		3,489,926,113		3,264,866,693
		Foreign Draft/Travelers Cheque Issued A/c.		32,533,262		2,281,296
		Foreign Draft Payable A/c.		183,207,542		71,995,451
		b) Overseas Branches		-		-
		Total (a+b)		7,073,473,849		6,642,924,279
12.05		Savings Bank Deposits		130,335,050,836		120,423,161,432
		a) Domestic Branches		130,302,888,245		120,399,457,006
		b) Overseas Branches		32,162,591		23,704,426
12.06		Fixed  Deposit
	a.	Domestic Branches		167,024,903,546		138,454,362,406
		Fixed  Deposits		100,275,672,834		81,723,825,939
		Short term deposits		31,823,424,124		29,752,230,008
		Deposit Pension Scheme		1,330,773,556		1,322,475,776
		Special Deposit Pension Scheme		765,641,448		7,225,163,797
		Sonali Deposit Scheme		5,765,427,398		3,829,271,142
		Education Deposit Scheme.		3,734,505,154		2,353,664,743
		Medicare Deposit Scheme		6,959,953,990		4,087,231,325
		Rural Deposit Schemes		604,985,605		576,246,225
		Monthly Earning Schemes		1,752,940,242		369,633,250
		Marriage Savings Schemes		154,134,620		5,405,632
		Double Benefit Scheme		5,781,243,051		-
		Daily Profit Scheme		37,053,279		-
		Portfolio Deposit		3,124,553		-
		S.B.Employees Provident Fund (General)		1,151,390,944		1,081,513,321
		S.B. Employees Provident Fund (Contributory)		6,884,632,748		6,127,701,248
	b.	Overseas Branches		75,423,359		69,999,425
		Total (a+b)		167,100,326,905		138,524,361,831
12.07		Maturity grouping of deposits and other accounts
		Repayable on Demand		80,016,365,821		87,443,530,728
		Repayable within 1 Month		30,348,110,959		31,235,603,440
		Over 1 month but within 6 Months		26,267,105,233		73,789,866,668
		Over 6 months but within 1 year		30,188,799,988		33,278,646,126
		Over 1 year but within 5 years		69,381,197,713		65,304,348,570
		Over 5 years but within 10 years		169,920,340,423		73,316,686,769
		Over 10 years		29,649,265		17,288,630
				406,151,569,402		364,385,970,931
		Un-claimed deposits for 10 years or more held by the bank as on 31 December 2009		29,649,265		17,288,630
12.08		Maturity analysis of Inter banks deposits
		Repayable on Demand		12,421,144,066		16,869,850,650
		Repayable within 1 Month		517,547,669		406,922,573
		Over 1 month but within 6 Months		-		-
		Over 6 months but within 1 year		345,031,780		826,298,406
		Over 1 year but within 5 years		3,967,865,466		-
		Over 5 years but within 10 years		-		-
		Over 10 years		-		-
				17,251,588,981		18,103,071,629
12.09		Maturity analysis of other deposits
		Repayable on Demand		60,521,747,906		70,573,680,078
		Repayable within 1 Month		29,830,563,290		30,828,680,867
		Over 1 month but within 6 Months		26,267,105,233		73,789,866,668
		Over 6 months but within 1 year		29,843,768,209		32,452,347,720
		Over 1 year but within 5 years		65,413,332,247		65,304,348,570
		Over 5 years but within 10 years		169,920,340,423		73,333,975,399
		Over 10 years		29,649,265		-
				381,826,506,573		346,282,899,302
12.10		Maturity analysis of Bills Payable
		Repayable on Demand		7,073,473,848		6,642,924,279
		Repayable within 1 Month		-		-
		Over 1 month but within 6 Months		-		-
		Over 6 months but within 1 year		-		-
		Over 1 year but within 5 years		-		-
		Over 5 years but within 10 years		-		-
		Over 10 years		-		-
				7,073,473,848		6,642,924,279
13.00		Other liabilities		107,282,215,750		103,596,507,559		3,685,708,191	3.56%
	a)	Domestic Branches		107,120,166,982		103,393,257,549		3,726,909,433	3.60%
		Provision for Classified loans (13.01.i)		43,380,164,155		44,597,434,283		(1,217,270,128)	-2.73%
		Provision for Un-Classified loans ( 13.01.ii)		2,737,400,000		2,737,400,000		-	0.00%
		Provision against diminishing value of Investment  (13.02)		130,028,996		118,828,996		11,200,000	9.43%
		Interest Suspense (13.03)		17,173,881,427		16,210,159,077		963,722,350	5.95%
		Provision for employees benefit (Additional) (13.04)		1,100,035,634		17,999,135,634		(16,899,100,000)	-93.89%
		Sonali Bank Employees Pension fund (13.04)		1,613,997,132		1,468,657,326		145,339,806	9.90%	19,815,052,718
		Sonali Bank Employees PDCR Benefit fund (13.04)		19,815,052,718		1,607,873,855		18,207,178,863	1132.38%
		Provision for Income Tax (13.05)		2,772,331,849		1,790,383,282		981,948,567	54.85%
		Provision for other assets		8,734,144,628		8,734,144,628		-	0.00%
		Exporters' Foreign Currency Retention Quota		76,052,080		115,933,985		(39,881,905)	-34.40%
		Provision against Off Balance Sheet Exposure		678,253,842		623,253,842		55,000,000	8.82%
		Provision for Exgratia/Bonus etc.		1,050,433,282		770,691,117		279,742,165	36.30%
		Foreign Correspondent Charges		43,556		2,546,082		(2,502,526)	-98.29%
		Adjusting Account Credit Balance		449,694,741		120,651,737		329,043,004	272.72%	15046+1613982086
		Foreign Currency Fund Purchased A/C		2,224,880,759		3,682,418,011		(1,457,537,252)	-39.58%	1,613,997,132
		Provision for NOSTRO A/C		3,639,246		324,556		3,314,690	1021.30%
		Vocational Women's Cr.Scheme Guarantee Fund		256,353		256,353		-	0.00%
		Agricultural Guarantee Against I.D.A. Credit -724 B.D.		19,562,611		19,562,611		-	0.00%
		Industrial Cr. Guarantee Claims received Fund		1,834,492		1,834,492		-	0.00%
		Bangladesh Bank Cr.Guarantee Fee I.D.A Cr. - 825 B.D.		178,997		178,997		-	0.00%
		I.D.A. Service Charges  765 B.D.		157,635		157,635		-	0.00%
		BSCIC Service Charges I.D.A Credit -825 B.D.		4,881,123		4,881,123		-	0.00%
		Revolving fund against I.D.A. Credit -725 B.D.		27,820,800		27,820,800		-	0.00%
		Sundry Deposits (H.O)		351,692,421		316,455,601		35,236,820	11.13%
		Interest Subsidy Account		3,585,618		3,585,618		-	0.00%
		SPL A/C's Proceeds of Import Documents Dr.of F.C( NBP)		787,657		787,657		-	0.00%
		Special accounts surplus Proceeds of Import Goods		8,479		8,479		-	0.00%
		Unclaimed Dividend (NBP)		149,577		149,577		-	0.00%
		AST-CIDA Guarantee Fund for MCDSF.		45,312		45,312		-	0.00%
		Mother Club Women's Cr.Guarantee Fund		2,554,409		2,554,409		-	0.00%
		Interest Reserve against Agri-Loan Interest Exemption 2004		45,207,547		45,207,547		-	0.00%
		BRDB/UCCA Crop Loan Intt. P.Intt. Reserve A/C.1994		62,546,240		62,546,240		-	0.00%
		BRDB/UCCA Crop Loan Interest Reserve A/C.2001		155,528,213		155,528,213		-	0.00%
		Balance Held with Foreign Bank abroad (Cr Balance)		3,812,578,538		1,759,205,072		2,053,373,466	116.72%
		Asian Clearing Union (NOSTRO)		182,494,322		266,359,358		(83,865,036)	-31.49%
		Loan from IDA Credit No. 765 BD.		56,824,870		55,579,188		1,245,682	2.24%
		Sirajganj Integrated Rural Development Fund		33,627,425		33,002,745		624,680	1.89%
		Agro Based Industrial & Technology Dev. Proj.		3,045,681		475,741		2,569,940	540.20%
		Operational A/C RD--9.		57,238,370		57,238,370		-	0.00%
		Rebate A/C of Term Loans to NBFI		80,191		-		80,191	#DIV/0!
		FC. Clearing A/C (Credit Balance)		33,069,283		-		33,069,283	#DIV/0!
		Exchange Equalization		39,397,757		-		39,397,757	#DIV/0!
		I.D.A. Credit -3917 B.D.		21,069,700		-		21,069,700	#DIV/0!
		BRDB/UCCA Crop Loan Intt.& P.Intt. Reserve A/C.-2007		84,247,526		-		84,247,526	#DIV/0!
		Profit Repatriated from Overseas Branch		11,398,459		-		11,398,459	#DIV/0!
		Accounts Payable		17,447,546		-		17,447,546	#DIV/0!
		Asian Clearing Union (VOSTRO)		150,815,785		-		150,815,785	#DIV/0!
	b)	OVERSEAS BRANCHES		162,048,768		203,250,010
		Profit Earned by Overseas Branch		30,448,766		26,238,614
		Other Liabilities of Overseas Branch		57,026,427		115,995,411
		Reserve Fund of Kolkata Branch		74,573,575		61,015,985
13.01		Accumulated Provision for Loans and Advances
		i) Provision for Classified loans
		Balance at the beginning of the period		44,597,434,283		48,031,159,428
		Less: Loans written off which fully Provided for		1,229,367,020		3,439,881,732
				43,368,067,263		44,591,277,696
		Add: Recovery Loans which was Written off earlier		12,096,892		6,156,587
				43,380,164,155		44,597,434,283
		Add: Special Provision made during the year		-		-
				43,380,164,155		44,597,434,283
		Less: Recovered and Provision which no more required		-		-
				43,380,164,155		44,597,434,283
		Add: Net Charge on Profit Loss Account		-		-
		Balance at the end of the period		43,380,164,155		44,597,434,283
		ii) Provision for Un-Classified loans
		Balance at the beginning of the period		2,737,400,000		2,737,400,000
		Less: Loans written off which fully Provided for		-		-
				2,737,400,000		2,737,400,000
		Add: Recovery from the Previous Written Off Loans		-		-
				2,737,400,000		2,737,400,000
		Add: Special Provision made during the year		-		-
				2,737,400,000		2,737,400,000
		Less: Recovered and Provision which no more required		-		-
				2,737,400,000		2,737,400,000
		Add: Net Charge on Profit Loss Account		-		-
		Balance at the end of the period		2,737,400,000		2,737,400,000
13.02		Provision against diminishing value of Investment
		Balance at the beginning of the period		118,828,996		119,474,046
		Less: written off which fully Provided		-		645,050
				118,828,996		118,828,996
		Add: Provision made during the year		11,200,000		-
		Balance at the end of the period		130,028,996		118,828,996
13.03		Interest Suspense
		Balance at the beginning of the period		16,210,159,077		16,828,015,057
		Interest Reserve		16,147,797,931		15,997,214,231
		Interest Reserve Penal Interest		62,361,146		830,800,826
		Add: Amount transferred to "Interest Suspense" Account during the year		2,747,873,336		4,859,350,763
		Interest Reserve		2,745,239,485		4,856,863,024
		Interest Reserve Penal  Interest		2,633,851		2,487,739
		Less: Amount Recovered in "Interest Suspense" Account during the year		1,419,861,932		3,799,730,328
		Interest Reserve		1,416,202,537		3,030,245,630
		Interest Reserve Penal  Interest		3,659,395		769,484,698
		Less: Amount written off during the year		364,289,055		1,677,476,415
		Interest Reserve		361,807,752		1,676,033,694
		Interest Reserve Penal  Interest		2,481,303		1,442,721
		Balance at the end of the period
		Interest Reserve		17,115,027,127		16,147,797,931
		Interest Reserve Penal  Interest		58,854,299		62,361,146
				17,173,881,426		16,210,159,077		1,001,035,634
13.04		Provision for employees benefit						1,001,000,000
		Opening Balance
		Sonali Bank Ltd. Employees Pension fund		1,468,657,326		1,318,560,116
		Sonali Bank Ltd. Employees PDCR Benefit fund		1,607,873,855		1,377,058,799		847,517,989		19,800,231,501
		Provision for employees benefit		17,999,135,634		17,499,135,634		-		1,607,831,351
				21,075,666,815		20,194,754,549		847,517,989		18,192,400,150
		Transfer/Adjustment made during the year
		Sonali Bank Ltd. Employees Pension fund		-		-
		Sonali Bank Ltd. Employees PDCR Benefit fund		17,999,100,000		-		19,815,052,718
		Provision for employees benefit		(17,999,100,000)		-
				-		-
		Less: Payment made during the year
		Sonali Bank Ltd. Employees Pension fund		58,778,106		56,375,215
		Sonali Bank Ltd. Employees PDCR Benefit fund		847,517,989		728,046,115		(208,078,863)
		Provision for employees benefit		-		-		145,339,806
				906,296,095		784,421,330
		Add: Creation during the year
		Sonali Bank Ltd. Employees Pension fund		204,117,912		206,472,425				-
		Sonali Bank Ltd. Employees PDCR Benefit fund		1,055,596,852		958,861,171		193,435,306		#REF!
		Provision for employees benefit		1,100,000,000		500,000,000
				2,359,714,764		1,665,333,596		1,613,997,132
								#REF!
		Closing Balance
		Sonali Bank Ltd. Employees Pension fund		1,613,997,132		1,468,657,326
		Sonali Bank Ltd. Employees PDCR Benefit fund		19,815,052,718		1,607,873,855		214,020		(208,078,863)
		Provision for employees benefit		1,100,035,634		17,999,135,634
				22,529,085,484		21,075,666,815		145,339,806
		Provision Required		29,466,535,560		21,075,666,815		18,207,178,863
		Provision Surplus/(Deficit)		(6,937,450,076)		-
13.05		Provision for Income Tax
		Balance at the beginning of the period		1,790,383,282		1,062,785,439
		Amount transferred during the period		981,948,567		727,597,843
		Balance at the end of the period		2,772,331,849		1,790,383,282
13.05.01		The bank has provided Tk. 981,948,567 as provision of Income Tax during the year @ 42.5% on current year's  profit as per Income Tax Ordinance 1984. The calculation of the Tax is  shown below :
		Profit before provision		2,310,467,216		1,616,884,094
		Taxable Profit		2,310,467,216		1,616,884,094
		Tax payable (42.5% of Taxable Profit)		981,948,567		727,597,842
14.00		Share capital
14.01		Authorized capital
		100,000,000 ordinary shares of Taka 100 each		10,000,000,000		10,000,000,000
14.02		Issued, subscribed and fully paid-up capital
		90,000,000 ordinary shares of Taka 100 each		9,000,000,000		9,000,000,000
		The entire amount of the paid up capital has been subscribed by the Government of the People's Republic of Bangladesh but each Director of the Bank is the holder of one symbolic Share of taka one hundred.
14.03		Capital adequacy ratio
		In terms of section 13(2) of Banking Companies Act, 1991 and Bangladesh Bank BRPD circular no. 01, 14 and 10 dated 08 January 1996, 16 November 1996 and 25 November 2002 respectively, required capital of the Bank at the close of business on 31 December 2009 was Taka  23,153.00 million as against core capital of Taka 16,648.48 million and supplementary capital of Taka 10,368.50 million making a total capital of Taka 27,016.98 million thereby showing a surplus capital/equity of Taka 3,863.98 million at the year end.
		Details are shown below:
				Taka		Taka
				(in million)		(in million)
		Core Capital (Tier-i)		16,648.48		15,111.70
		Paid up capital		9,000.00		9,000.00
		Statutory Reserves		3,566.48		3,116.50
		General Reserves		47.00		47.00
		Retained Earnings (Note-17)		4,035.00		2,948.20
		Supplementary Capital (Tier- ii)		10,368.50		7,820.30
		General Provision for Unclassified Loans		2,737.40		2,737.40
		Assets revaluation Reserve		6,913.40		4,653.00
		Provision against off-Balance Sheet Exposure		678.30		623.20
		Exchange Equalization Reserve		39.40		(193.30)
		A. Total capital (Tire i + Tier ii)		27,016.98		22,932.00
		Total Assets (Including off Balance Sheet items)		611,768.60		555,271.50
		B. Total risk weighted assets		231,530.20		181,856.20
		C. Required capital based on risk weighted assets		23,153.00		18,185.60
		D. Surplus/(Deficit) (A-C)		3,863.98		4,746.40
		Capital Adequacy Ratio		Held		Held
		Tier-i		16,648.48		15,111.70
		Tier-ii		10,368.50		7,820.30
		Total		27,016.98		22,932.00		2,701,700,000
15.00		Statutory Reserve
		Balance at the beginning of the period		3,116,476,533		2,994,716,024
		Addition during the year		450,000,000		121,760,509
		Balance at the end of the period		3,566,476,533		3,116,476,533
16.00		Other Reserve
	a.	Reserve for Unforeseen Losses & Others:
		Balance at the beginning of the period		47,000,000		27,000,000
		Reserve for Unforeseen Losses		-		20,000,000		4,993,072,592
		Profit Earned by Kolkata Branch		-		-		472,195,224
		Reserve Fund of Kolkata Branch		-		-		4,520,877,368
		Loss Incurred by Siliguri Branch		-		-
		Addition during the year		-		20,000,000
		Balance at the end of the period		47,000,000		47,000,000		4,541,947,068
	b.	Asset  (investment) Revaluation Reserve (16.1):
		Balance at the beginning of the period		472,195,224		107,324,488
		Add: Profit on Revaluation of Govt. Treasury Bond		4,520,877,368		-
		Add: Profit on Revaluation of Govt. Treasury Bill		-		-
		Add: Profit on Revaluation of Other Investments		-		-
		Add: Asset Revaluation (investment) reserve		-		364,870,736
		Addition during the year		4,520,877,368		364,870,736
		Balance at the end of the period		4,993,072,592		472,195,224
	c.	Assets (Fixed Assets) Revaluation Reserve
		Balance at the beginning of the period		8,833,824,291		8,833,824,291
		Addition during the year		-		-
		Balance at the end of the period		8,833,824,291		8,833,824,291		13,826,896,883
		Total (a+b+c)		13,873,896,883		9,353,019,515		9,306,019,515
16.01		Asset Revaluation (investment) Reserve
		The amount represents revaluation of  Treasury Bill/Bond (HTM) as on 31-12-2009.
17.00		Surplus in Profit and Loss Account/Retained Earnings
		Balance at the beginning of the period		2,948,218,089		778,864,096
		Transfer from Intangible Assets- Valuation Adjustment A/C		-		-
		Addition during the year		1,536,766,608		2,311,114,502
		Transfer to statutory reserve		(450,000,000)		(121,760,509)
		Transfer to Reserve for Unforeseen Losses		-		(20,000,000)
		Issue of bonus share		-		-
		Balance at the end of the period		4,034,984,697		2,948,218,089
18.00		Contingent Liabilities
18.01		Claim against the bank which is not recognized as loan		-		-
18.02	a.	Letters of Guarantee
		Money for which the Bank is Contingently
		liable in respect of Guarantee issued favoring:
	(i)	Directors		-		-
	(ii)	Government
		Domestic		5,869,143,955		5,329,212,812
		Overseas		-		-
				5,869,143,955		5,329,212,812
		Less: Margin		-		35,792,146
		Sub Total		5,869,143,955		5,293,420,666
	(iii)	Bank and Other Financial Institutions
		Domestic		95,246,259		789,165
		Overseas		-		-
				95,246,259		789,165
		Less: Margin		-		611,365
		Sub Total		95,246,259		177,800
	(iv)	Others
		Domestic		1,235,257,277		2,182,588,221
		Overseas		929,297		765,673
				1,236,186,574		2,183,353,894
		Less: Margin		-		70,866,101
		Sub Total		1,236,186,574		2,112,487,793
		Total of (i+ii+iii+iv)		7,200,576,788		7,406,086,259
	b.	Irrevocable Letters of Credit
	(i)	Government
		Domestic		33,946,034,429		31,979,779,685
		Overseas		-		-
				33,946,034,429		31,979,779,685
		Less: Margin		-		665,467,040
		Sub Total		33,946,034,429		31,314,312,645
	(ii)	Bank and Other Financial Institutions
		Domestic		991,710,020		4,306,270
		Overseas		-		-
				991,710,020		4,306,270
		Less: Margin		-		-
		Sub Total		991,710,020		4,306,270
	(iii)	Others
		Domestic		17,645,687,242		14,498,076,979
		Overseas		3,249,270		3,012,844
				17,648,936,512		14,501,089,823
		Less: Margin		-		431,194,455
		Sub Total		17,648,936,512		14,069,895,368
		Total of (i+ii+iii)		52,586,680,961		45,388,514,283
	c.	Bills for Collection
		Inland Bills Collection		1,156,820,943		1,679,200,503
		Foreign Bills Collection		6,855,224,111		7,851,583,176
				8,012,045,054		9,530,783,679
		Less: Margin		-		-
				8,012,045,054		9,530,783,679
	d.	Suits filed by the bank (Region wise)		-		-
	e.	Other Contingent Liabilities		-		-
	f.	Total (a+b+c+d+e)		67,799,302,803		62,325,384,221