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Probashi Kallyan Bank *l Auditors'Report And Audited Financial Statements For the vear ended June 30. 2020 eror*mnqutqtr ffiB{@ r s{rfi q1.d* ,sr1 PROBASHI KALLYAN BANK ] A. WAHAB & CO. BASU BANERJEE NATH & CO. Chartered Accountants Chartered Accountants Hotel Purbani, Annex-2 14th Floor; Dhaka Trade Center (llth Floor) 1 Dilkusha ClA, Dhaka-1000. 99rKazi Nazrul Islam Avenue Phone : 880-2-958 5626, 9 57 5293 Kawran Bazar, Dhaka-1215. Phone: 880- 02-91 267 63, 9113357 ), I Basu Banerjee Nath & Co. A. Wahab & Co. Chartered Accountants Chartered Accountants T Probashi Kallyan Bank For the year ended 30 June 2020 T Table of Contents SI. No. Particulars Paee No. I I Independent Auditors' Report t-4 2 Balance Sheet 5-6 I ., Profit & Loss Account 1 4 Statement of Changes in Equity 8 : 5 Cash Flow Statement 9 6 Liquidity Statement 10 r 1 Notes to the Accounts t1-28 8 Highlights on the overall Activities of the Bank 29 ; I 9 Fixed Asseles Schedule ( Annexure-A ) 30 I I I I I rI Il I I I t Basu Banerjee Nath & Co. A. Wahab & Co. Chartered Accountants Chartered Accountants T lndependent Auditor's Report t To the Shareholders of Probashi Kallyan Bank Report on the Financial Statements t Opinion We have audited the financial statements of Probashi Kallyan Bank which comprise the Balance Sheet as at 30 June 2020 and Profit and Loss Account, Statement of Changes in Equity and Cash Flow Statement for the year then ended, and notes to the financial statements, including a summary I of significant accounting policies. ln our opinion, the accompanying financial statements present fairly, in all material respects, the Balance Sheet ol the Probashi Kallyan Bank as at 30 June 2020 and of its financial performance for I the year then ended in accordance with lnternational Financial Reporting Standards (lFRSs) and comply with the Banking Companies Act, 1991, and other applicable laws and regulations. Basis for opinion t We conducted our audit in accordance with lnternational Standards on Auditing (lSAs).Our responsibilities under those Standards are further described in the Auditor's Responsibilities for the Audit of the Financial Statements section of our report. We are independent of the Bank in accordance with the lnternational Ethics Standards Board for Accountants Code of Ethics for I Professional Accountants (IESBA Code) together with the ethical requirements that are relevant to our audit of the financial statements in Bangladesh and we have fulfilled our other ethical responsibilities in accordance with these requirements and the IESBA Code. We believe that the audit I evidence we have obtained is sufficient and appropriate to provide a basis for our opinion. Key Audit Matters Key audit matters are those matters that, in our professional judgment, were of most significance in our audit of the financial statements of the current period. These matters were addressed in the t context of our audit of the financial statements as a whole, and in forming our opinion thereon, and we do not provide a separate opinion on these matters, Measurement of provigiol for toans, advan,ces I The process for estimating the provision We tested the design and operating effectiveness of key for loans and advances associated with controls focusing on the following: credit risk is significant and complex. o Credit appraisal, loan disbursement procedures, monitoring and provisioning process: I For the individual analysis for large . ldentification of loss events, including early warning exposure, provisions calculation and default warning indicators; consider the estimates of future . Reviewed quarterly Classification of Loans (CL); I business performance and the market Our substantive procedures in relation to the provision for value of collateral provided for credit loans and advances port{olio comprised the following: transactions. r Reviewed the adequacy of the general and specific provisions in line with related Bangladesh Bank I For the collective analysis of exposure guidelines; on portfolio basis, provision calculation r Assessed the methodologies on which the provision and reporting are manually processed amounts are based, recalculated the provisions and trat deals with voluminous databases, tested the completeness and accuracy of the assumptions and estimates. underlying information ; o Evaluated the appropriateness and presentation of At year end the Bank reported total gross disclosures against relevant accounting standards loans and advances of BDT and Bangladesh Bank guidelines. 2136 (2018-2019: BDT 85 million . Finally, compared the amount of provision 839.64 million) provision for loans i and requirement as determined by Bangladesh Bank ard advances of BDT 53.29 million inspection team to the actual amount of provision 2018 2019: BDT million). 45.95 maintained See note nos. 7 and 12.01 to the financial statements t $ F I : Basu Banerjee Nath & Co. A. Wahab & Co. Chartered Accountants Chartered Accountants : li systems and controls Our audit procedures have a focus on lT We tested the design and operating effectiveness of the : systems and controls due to the Bank's IT access controls over the information systems pervasive nature and complexity of the that are critical to financial reporting. lT environment, the large volume of transactions processed in numerous We tested lT general controls (logical access, changes : locations daily and the reliance on management and aspects of lT operational controls). automated and lT dependent manual This included testing that requests for access to systems controls. were appropriately reviewed and authorized. t Our areas of audit focus included user We tested the Bank's periodic review of access rights access management, developer access and reviewed requests of changes to systems for to the production environment and appropriate approval and authorization. changes to the lT environment. These : are key to ensuring lT dependent and We considered the control environment relating to application based controls are operating various interfaces, configuration and other application effectively. layer controls identified as key to our audit. t Olher lnformation Management is responsible for the other information. The other information comprises all of the information in the Annual Report other than the financial statements and our auditors' report thereon, I The Annual Report is expected to be made available to us after the date of this auditor's report. Our opinion on the financial statements does not cover the other information and we do not express I any form of assurance conclusion thereon. ln connection with our audit of the financial statements, our responsibility is to read the other information identified above when it becomes available and, in doing so, consider whether the other information is materially inconsistent with the financial statements or our knowledge obtained in the I audit or otherwise appears to be materially misstated. When we read the annual report, if we conclude that there is a material misstatement therein, we are t required to communicate the matter to those charged with governance. Responsibilities of Management and Those Charged with Governance for the Financial Statements Managements is responsible for the preparation and fair presentation of the financial statements in I accordance with IFRSs and comply with Banking Company Act, and for such internal control as management determines is necessary to enable the preparation of financial statements that are free from material misstatement, whether due to fraud or error. I ln preparing the financial statements, management is responsible for assessing the Bank's ability to continue as a going concern, disclosing, as applicable, matters related to going concern and using the going concern basis of accounting unless management either intends to liquidate the Bank or to I cease operations, or has no realistic alternative but to do so. Those charged with governance are responsible for overseeing the Bank's financial reporting process. Auditors Responsibilities for the Audit of the Financial Statements Our objectives are to obtain reasonable assurance about whether the financial statements as a whole are free from material misstatement, whether due to fraud or error, and to issue an auditor's report that includes our opinion. Reasonable assurance is a high level of assurance, but is not a guarantee that an audit conducted in accordance with lSAs will always detect a material misstatement when it exists. Misstatements can arise from expected to influence the economic decisions of users taken on the basis of these financial statements. As part of an audit in accordance with lSAs, we exercise professional judgment and maintain professional skepticism throughout the audit. F r Basu Banerjee Nath & Co. Chaltered Accountants A. Wahab & Co. Chartered Accountants I We also: o ldentify and assess the risks of material misstatement of the financiar I due to fraud or error, oesign ino'pertorm statements, whether ;;o;";ir". to those risks, and aonropi"i"";it to p,o"ide.r"rpon.ive ;31"I'lit."J,'jfff; mlj;lil1t-.a10* a basis rL,. o,i-Jpinion rhe j lft ,?L' ?'"1 i " ;:Wg. fi I l" i: [,H l,1 {;:,',ml* r ml* ; ,,,* L,, ffi kf ' obtain an understanding of internal control relevant to the audit in order to design audit llHflyfi '"r ot ro r t h e p u rpo s e or exp I il"":?"TiJ""fJ:*; i,t iiff il,.,#irii'* re s s i n s ' Evaluate the appropriateness of accounting poricies used accounting estimates and rerated and the reasonabreness of l discrosures made by management. conclude on ' the appropriateness of management's accounting . use of the going and' based on tne auoit evioence"oot"ir"i, concern basis of related to events *n"tnu, a ,iteriil unclrtainty or conditioni th;;;"y cast significant'oorot e*rsts t as a going concern lf we on the Bank,s abirity to continue concluJe that a ,rt""ri"t attention in ,r"Lit"rtv exists, we are required our auditor's report io irrl rerateo to draw discrosures oii"i*rr" in''ine financiar statements are inadequat.i, l" rriirv o* opin-rr.
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