Bangladesh Commmerce Bank Limited

Balance Sheet
2010

2009

2008

2007

TAKA

TAKA

TAKA

TAKA

PARTICULARS
PROPERTY & ASSETS
CASH

763,123,871

778,555,729

518,019,218

434,415,228

Cash in Hand ( Including foreign Currencies)

174,197,323

131,700,299

116,593,381

125,275,724

Balance with Bangladesh Bank and its agent bank ( s)

(Including Foreign Currencies)

588,926,549

646,855,430

401,425,837

309,139,504

4,169,752,271

984,808,753

907,161,176

762,086,503

4,109,453,871

943,891,978

871,256,479

707,986,782

60,298,400

40,916,775

35,904,697

54,099,721

330,000,000

450,000,000

410,000,000

360,000,000

BALANCE WITH OTHER BANKS & FINANCIAL

INSTITUTIONS
In Bangladesh
Outside Bangladesh
MONEY AT CALL AND SHORT NOTICE
INVESTMENTS

1,472,321,723

710,059,072

645,771,571

508,375,581

Government
Others

1,127,904,760

693,348,800

640,478,600

504,749,500

344,416,963

16,710,272

5,292,971

3,626,081

LOANS AND ADVANCES BCBL

7,600,797,170

5,526,804,353

5,018,350,550

4,205,522,665

Loan, Cash Cr edit and Over Draft etc.

Bills Purchased and Discounted

7,599,373,830

5,523,312,097

5,006,494,973

4,191,386,707

1,423,340

3,492,256

11,855,577

14,135,958

665,222,894

729,397,327

767,637,716

804,832,317

8,266,020,064

6,256,201,680

5,785,988,266

5,010,354,982

48,180,592

38,953,476

37,186,676

37,730,040

528,961,643
-

209,240,780
-

216,674,321
-

205,429,061
-

15,578,360,165

9,427,819,490

8,520,801,228

7,318,391,395

Loans & Advances BCI

Total Loans and Advances
Fixed Assets including premises and furniture and fixtures
OTHER ASSETS
NON-BANKING ASSETS
TOTAL ASSETS
LIABILITIES AND CAPITAL

100,000,000

12,187,614,460

7,604,975,266

6,786,866,290

5,682,937,214

Current Deposit and Other Accounts etc.

1,965,647,110

541,337,121

798,680,849

601,927,176

Savings Bank Deposits

Fixed Deposits
Short Term Deposits
Deposit under different schemes
Bills Payable

989,904,941
1,334,453,570
5,026,466,909
752,111,890
160,908,668

898,657,064
662,053,186
3,965,746,954
663,816,075
131,060,021

639,132,568
3,568,352,651
573,108,556
513,163,612
90,383,257

574,598,959
3,067,812,879
413,697,365
379,613,223
98,928,342

Bank Deposit
Other Deposits

1,820,000,000

400,000,000

420,000,000

450,000,000

138,121,373

342,304,846

184,044,799

96,359,270

58,628,474

71,727,047

84,802,265

106,875,766

Borrowings from other Banks & Financial Institutions and agents

DEPOSITS AND OTHER ACCOUNTS

Deposits(BCI)
OTHER LIABILITIES

1,085,716,211

732,372,478

629,136,805

523,729,152

TOTAL LIABILITIES

13,431,959,145

8,409,074,791

7,500,805,360

6,313,542,132

Paid-up-Capital
Share Capital BCI Ltd.
Revaluation Reser ve on DSE Member ship
Statutory Reserve
Other Reserve

1,988,742,800
39,000,000
98,329,157
3,848,512

920,000,000
39,000,000
65,792,413
3,848,512

920,000,000
39,000,000
54,250,000
35,453,035
3,848,512

920,000,000
39,000,000
54,250,000
52,710,277
3,848,512

Revaluation Reser ve for HTM Securities

Exchange Equalizaton Account
Surplus/(Deficit) in Profit and Loss account

11,836,557
-

11,836,557
4,395,060

11,836,557
-

4,643,994

(26,127,843)

(44,392,236)

SHAREHOLDER'S EQUITY
SHARE CAPITAL

(64,959,526)

2,146,401,020

1,018,744,699

1,019,995,868

1,004,849,263

15,578,360,165

9,427,819,490

8,520,801,228

7,318,391,395

13,231,321
100,834,581
634,746,923

13,231,321
104,024,022
250,975,065

13,231,321
398,937,233
397,086,762

13,231,321
199,322,657
601,926,411

67,250,528
71,192,301

23,547,453
554,287,301

4,096,328
71,530,301

9,956,293
71,530,301

471,081,000

404,400,000

8,872,556,554

946,065,162

1,355,962,945

1,300,366,983

Documentary Credits and shor t term trade

related transactions
Forward assets purchased and forward
deposits placed
Undrawn note issuance and r evolving
underwriting facilities
Undrawn formal standby facilities, cr edit lines and
other commitments

Total

887,255,654

946,065,162

1,355,962,945

1,300,366,983

Total Shareholder's Equity

TOTAL LIABILITY AND SHAREHOLDER'S EQUITY
Bangladesh Commerce Bank Limited
Off Balance Sheet
CONTINGENT LIABILITIES
Contra entries (BCI)
Letter of Guarentees
Letter of Credit
Bills for Collection
Other contingent liability
Case against the bank which not acknowledged by the bank
TOTAL CONTINGENT LIABILITIES
OTHER COMMITMENTS

TOTAL OFF-BALANCE SHEET ITEMS

Bangladesh Commerce Bank Limited

Profit and Loss Accounts
OPERATING INCOME
Interest Income
Less: Interest Paid on Deposits and Bor rowings

926,555,777

905,556,240

634,800,634

510,962,381

621,149,033

552,907,005

523,104,891

438,607,424

Net Interest Income

305,406,744

352,649,235

111,695,743

72,354,957

Income from Investments

178,700,106

71,751,529

48,528,881

25,732,318

90,933,697

43,619,296

37,088,348

29,240,996

42,740,676

21,850,689

17,611,529

8,897,202

312,374,479

137,221,514

103,228,758

63,870,516

617,781,223

489,870,749

214,924,501

136,225,473

184,540,144
28,731,799

142,390,307
18,418,714

123,167,369
20,576,907

118,213,319
16,343,561

599,498

435,158

527,404

148,260

Postage, Stamp, T telecommunication etc.

Stationery, Printing, Advertisement etc.

4,096,523
9,832,971

2,708,095
5,332,608

3,102,508
5,198,909

3,536,508
3,945,369

Managing Director's salary and allowances

Director's Fee

5,739,353
771,150

1,641,200
692,000

1,537,400
755,326

1,314,457
602,248

100,000

400,000

653,510

1,644,710

15,528,913

12,256,918

10,204,458

7,726,421

42,425,103

17,465,881

19,494,883

12,050,963

Total Operating Expenses (B)

Profit/(Loss) before Provision (C)=A-B

292,365,455

201,740,881

185,218,674

165,525,816

325,415,758

288,129,868

29,705,827

(29,300,343)

Provision for Loans & Advances

100,000,000

51,800,000

30,000,000

32,732,049

84,632,979

TOTAL PROVISION (D)

TOTAL PROFIT/(LOSS) BEFORE TAX (C-D)
PROVISION FOR TAX

162,732,049
162,683,719

136,432,979
151,696,889

29,705,827

99,375,138

110,390,792

3,197,372

Provision for tax

Provision for Deferred Tax

100,000,000

110,635,242

3,197,372

Commission, Exchange Ear nings & Brokerage

Other Operating Income

TOTAL OPERATING INCOME (A)

OPERATING EXPENSES
Salaries and Allowances
Rents, Taxes, Insurances, Lighting etc.
Legal Expenses

Audit & Evaluation Fee

Depreciation & Repair to Fixed Assets
Other Expenses

Provision against Un Classified Loans

Other Provisions

(624,862)

NET PROFIT/(LOSS) AFTER TAX

(244,450)

(29,300,343)
-

63,308,582

41,306,097

26,508,455

(29,300,343)

32,536,744

30,339,378

5,941,165

30,771,838
3

10,966,719
4

20,567,290
3

APPROPRITATIONS
Statutory Reserve
General Reserve
Dividends etc.
Retained Earnings/(Loss) carried forward
Earning per Share(EPS)

(29,300,343)
(3)

Bangladesh Commerce Bank Limited

Cash Flow Statement
CASH FLOW FROM OPERATING ACTIVITIES
Interest Receipts in cash
Interest Payment
Dividend Reciepts
Fee and commision receipts in cash
Salary & Allowances Payments
Recoveries of Loans Pr eviously Written Off
Payment to Supplier s
Income Tax paid
Receipts from other Operating Activities
Payment for other Operating Activities

1,016,111,246

919,934,757

671,888,982

540,203,377

(583,850,852)
885,146
90,933,697
(190,279,497)

(575,484,571)
868,418
43,619,296
(144,031,507)

(523,104,891)
175,214
(124,704,769)
-

(438,607,424)
158,707
(119,527,776)
-

(42,661,293)
(1,814,840)
241,921,365

(29,029,810)
(14,409,179)
63,445,410

(30,629,035)
(8,310,166)
65,965,196

(25,572,765)
(10,523,104)
34,470,813

(42,425,103)

(10,793,900)

(21,431,123)

(14,446,181)

488,819,868

254,118,824

29,849,408

(33,844,353)

Increase/Decrease in operating Assets and Liabilities

1,906,443,679

199,806,090

327,139,629

904,267,872

(Increase)/Decrease in Statutor y Deposits

Purchase/Sale of T rading Securities
(Increase)/Decrease in Loan & Advances to Other Banks
(Increase)/Decrease in Loan & Advances to Clients
(Increase)/Decrease in Other Assets
Increase/(Decrease) in Deposits from Other Banks
Increase/(Decrease) in Deposits from Clients
Increase/(Decrease) in Other Liabilities
Increase/(Decrease) in Trading Liabilities

(2,009,818,384)
(319,720,864)
1,420,000,000
2,362,639,194
353,343,733

(470,213,414)
(85,129,753)
(20,000,000)
688,108,976
87,040,281

(66,996,000)
(775,633,284)
(17,494,316)
(30,000,000)
1,133,929,076
83,334,152

(15,750,618)
(340,595,675)
231,002,036
100,000,000
923,705,592
5,906,537

Operating Profit Before Changes in current Assets & Liabilities

Net Cash Flow from Operating Activities (A)

2,395,263,547

453,924,914

356,989,037

870,423,519

CASH FLOW FROM INVESTING ACTIVITIES

Proceeds from Sale of Secur ities
Increase/(Decrease) in Cash due to Sale and Pur chase of Assets
(Purchase)/Sale of Property plant and equipment
(Purchase)/Sale of Subsidiar y

(9,227,116)

Net Cash used in Investing Activities (B)

(9,227,116)

(11,417,301)
(11,453,325)
(22,870,626)

(1,666,890)
(7,910,383)
(9,577,273)

(19,539,211)
(19,539,211)

CASH FLOW FROM FINANCIAL ACTIVITIES

Receipts from issue of or dinary Shares/(Redemption of Share capital)
Dividend paid

1,068,742,800

Net Cash Flow from Financial Activities (C)

1,068,742,800

Net Increase/(Decrease) in Cash (A+B+C)

Effects of Changes in CRR Maintained with Bangladesh Bank
Opening cash & Cash Equivalent

3,454,779,230
-

431,054,288
-

347,411,763
66,996,000

850,884,308
15,750,618

2,936,001,672

2,475,658,994

2,061,251,231

1,194,616,305

Closing Cash and Cash Equivalent

6,390,780,902

2,906,713,282

2,475,658,994

2,061,251,231