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Al- Arafaf Islami Bank

Unaudited Profit & Loss Account

For the Period Ended  June 30 ,2008

             
             

INCOME & EXPENDITURE

 

JUNE.-2008

 

JUNE.-2007

 

GROWTH

 

 

Taka

 

Taka

 

%

 

 

 

 

 

 

 

Investment Income

 

     1,662,607,141

 

     993,527,975

 

67.34%

 

 

 

 

 

 

 

Profit paid on Deposit and Borrowing

 

   (1,008,720,053)

 

   (789,966,577)

 

27.69%

Net Investment Income

 

     653,887,088

 

  203,561,398

 

221.22%

 

 

 

 

 

 

 

INCOME FROM COMMISSION,EXCHANGE & OTHERS

 

 

 

 

 

Commission, Exchange and Brokerage

 

        361,686,864

 

     281,718,309

 

28.39%

Income from Investment in Share /Securities

 

          26,493,001

 

                     -  

 

0.00%

Other operating Income

 

          46,494,726

 

       48,992,796

 

-5.10%

Total = (a + b)

 

     434,674,591

 

  330,711,105

 

31.44%

 

 

 

 

 

 

 

Total operating Income (A)

 

  1,088,561,679

 

  534,272,503

 

103.75%

 

 

 

 

 

 

 

Salary and allowances & Contribution to P.F

 

        209,112,318

 

     171,839,950

 

21.69%

Managing Director Salary  & Allowances

 

            2,400,000

 

         1,600,000

 

50.00%

Directors and Sharia Council fees & Expenses

 

            2,094,811

 

         2,852,231

 

-26.56%

Rents, Taxes, Insurance, Lighting etc.

 

          33,464,614

 

       31,807,762

 

5.21%

Postage, Telegram, Telephone & Stamps etc

 

            9,505,914

 

         6,139,031

 

54.84%

Law charges

 

            1,031,457

 

         1,317,948

 

-21.74%

Depreciation  & Repairs to the Banks Properties

 

            2,641,617

 

         2,907,821

 

-9.15%

Stationery, Printing, Advertisement etc.

 

            7,139,920

 

         8,385,842

 

-14.86%

Other  Expenses

 

          20,714,063

 

       24,104,615

 

-14.07%

Total operating expenses (B)

 

     288,104,714

 

  250,955,200

 

14.80%

 

 

 

 

 

 

 

Profit/(loss) before provision and tax  C =  (A - B)

     800,456,965

 

  283,317,303

 

182.53%

 

 

 

 

 

 

 

Provision against Investment & Off-balance sheet exposures

          78,627,000

 

     150,278,053

 

-47.68%

Provision for against decreasing value of Investment

                         -  

 

                     -  

 

                -  

Other Provision

 

                         -  

 

                     -  

 

                -  

 

 

 

 

 

 

 

Total provision  ( D )

 

       78,627,000

 

  150,278,053

 

-47.68%

 

 

 

 

 

 

 

Total Profit/ (Loss) before Taxes E =  (C - D)

 

     721,829,965

 

  133,039,250

 

442.57%

 

 

 

 

 

 

 

Provision for Taxation

 

        324,823,484

 

       59,867,662

 

442.57%

Net Profit after Tax

 

        397,006,481

 

       73,171,587

 

442.57%

Retainned Earning Brought forward

 

               140,947

 

              30,592

 

360.73%

Profit available for appropriation

 

        397,147,428

 

       73,202,179

 

442.53%

 

 

 

 

 

 

 

Appropriations :

 

 

 

 

 

 

Statutory Reserve

 

        144,365,993

 

       26,607,850

 

442.57%

 

 

        144,365,993

 

       26,607,850

 

442.57%

Retained earning Carried forward

 

     252,781,435

 

    46,594,329

 

442.52%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Earning per Share (EPS) ( Tk. 100)

 

28.69

 

6.35

 

352.14%

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