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SEBL Financial Statements As on 31

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SEBL Financial Statements As on 31 Southeast Bank Limited Report and Consolidated & Separate Financial Statements as at and for the year ended 31 December 2016 Rahman Rahman Huq Telephone +880 (2) 988 6450-2 Chartered Accountants Fax +880 (2) 988 6449 9&5Mohakhali C/A E-mail [email protected] Dtaka 1212 lnternet www.kpmg.com/bd Bangladesh independent auditoris report to the shareholders of Southeast Bank lJ■ lited Report on the financiat statements We have audited the accompanying consolidated financial statements ol Southeast Bank Limited and its subsidiaries (the "Group') as well as the separate financial statements of Southeast Bank Limited (the "Bank'), which comprise the consolidated balance sheet and the separate balance sheet as at 3l December 2016, and the consolidated and separate profit and loss accounts, consolidated and separate statements of changes in equity and consolidated and separate cash ffow statements for the year then ended, and a summary of significant accounting policies and other explanatory information. Management's responslbility for the financial statements and internal controls Management is responsible for the preparation of consolidated financial statements of the Group and also separate 'linancial statements of the Bank that give a true and lair view in accordance with Bangladesh Financial Reporting Standards as explained in note 2 and for such intemal control as management determines is necessary to enable the preparation of consolidated financial statements of the Group and also separate financial statements of the Bank that are lree from matedal mi$statement, whether due to traud or eror. The Bank Company Act, 1991 and the Bangladesh Bank Regulations require the Management to ensure etf€ctive intemal audit, intemal control and risk management functions of the Bank. The Management is also required to make a self-assessment on lhe effectiveness ol anti-fraud internal controls and report to Bangladesh Bank on instances of fraud and forgeries. Auditor's responsibility Our responsibility is to express an opinion on these consolidated financial statements of the Group and the sepaEte financial statements of the Bank based on our audit. We conducted our audit in accordance with Bangladesh Standards on Auditing. Those standards require that we comply with ethical requirements and plan and perform the audit to obtain reasonable assuranc€ about whether the consolidated financial statements of the Group and sepaEte financial statements of the Bank are lree from material misstratement. An audit involves perlorming procedures to obtiain audit evidence about the amounts and disclosures in the consolidated financial statements of the Group and separate financial statements of the Bank. The procedures selected depond on our iudgment, including the assessment of the risks of material misstatement of the consolidated financial stiatements of the Group and separate financial statements of the Bank, whether due to fraud or eror. ln making those risk assessments, we consider intemal control relevant to the entity's preparation of consolidated financial statemenb of the Group and separate financial statements of the Bank that give a true and fair view in otder to design audit procedures that are appropriate in the circumstances. An audit also includes evaluating the appropriateness of accounting policies used and the reasonableness of accounting estimates made by managem€nt, as well as evaluating the overall presentation ol the consolidated financial statements ol the Group and also separale financial statements of the Bank. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our audit opinion. Opanion ln our opinion, the consolidated financial statements of the Goup and also separate financial statements of the Bank give a true and fair view of the consolidated financial position of the Group and the separate financial position of the Bank as at 31 December 2016, and of its consolidated and separirte financial performance and its consolidated and separate cash flows for the year then ended in accordance with Bangladesh Financial Reporting Standards as explained in note 2. Tel +880 (31) 710704,710996 Fax +880 (31) 2520795 腑器鷲腑Rttξ棚:1:馴 :‖『濯:瑞 |¶:譜憮 chntagong Ofi ce address: 102 Ag● bad C/A Crd日o00 E-mail chitagongokpmg.com arn bted w罐 h KPMG Internationd cooperaⅢ ve lnternet M.kDmg-com/bd CKPMG n10rnalonar)aSwも s enlty Ch,ttagOng Bangladesh Rahman Rahman Huq Chanered Accountants Report on othet legal and regulatory requi.emcnts ln accordancs with the companies Act 1994, securiti€s and Exchang€ Rules 1987, the Bank coinpany Ac{, 199.t and the rules and regulalions issued by Bangladesh Bank, we also report ths followiog: a) we have obtained all the information and explanation which to the best ol our knowledge and b€lief w€re necessary lor the purposs of our audit and made due verifielion th€r6of; b) to the extEnt noted during the cou.se of our audit r4/ork perfomed on the basis stated und6r the Auditods Besponsibility section in forming the above opinion on ths consolidaled fnancial statements of the Grcup and thg separatE financial statsments ol the Bank and considedng the reports of tho Managsment to Bangtadesh Bank on anli-lraud intemal controls and instanc€s ot haud and lorgedss as stated under the ManagEmsnts Responsibility lor lh€ Financial Siatements and lntEmal Control: i) intemal audit, intemal contol and dsk managemgnt arangemenb of the Group and hE Bank as disclosed in Notss 2.2 (i,ii, and iii) ol the financiat statements app8arcd to b€ matedally ad€quate; and ii) nothing has com€ to our attention regading matedal inshnc€s of brgery or iregularity or administrative （ （ （eror and exceplion or anylhing deldmental committed by smploye€s of the Bank and its r€lat€d entities othsr than mattsrs disciosed in thos6 financial statements; c) financial statemenls of all subsidiari€s of ih€ Bank have begn audited by olher auditoc and havs been prcpedy reff€cled in tle consolidat€d financial statements; d) in our opinion, proper books of account as required by law hav€ been kept by tfie Group and the Bank so far as it appoared from our examination of those books; s) fte consolklated balance sheel and consolidated proft and loss account of the Group and the separate balan@ sheet and separato profit and loss account ot tho Bank dealt witr by lhg report are in agreement wit1 th€ books ol a@ounl; f) th€ exp€nditur€ inann€d v,/as for the purposss ol the Bank,s business; g) the consolidated financial statsments of the Group and th€ ssparate fnancial statem€nb of thg Bank hav6 been （ drawn up in conlbmily with prevailing rules, regulalions and accounting standards as woll as with related guidancE issued by Bangladesh Bank （ h) adequats pDvisions have been made lor advancss wtlich are, in our opinioo, doublful ot recov€ry4 i) lhs records and stat€m€nts submitted by lhe branches have been prop€dy maintained and consolidated in tho financial statemenb; j) th€ iniormation and e)slanation r€quired by us hav€ b€€n received ard found sat sfaciory; k) ws have reviewed ov€r 80% of th€ risk w€ighted assets ot the Bank and we have spent aound 5,2oo pE6on hou6 for thg audit of ths books and accounts of the Bank; and O0!cr mattcr The consolidated financid d;t€rnsnts of ths Gloup and also separate financiat stat€ments ot the Bank as ai and for gnded lhe year 31 Oecember 2015 were audit€d by anolher auditor who oersss€d an unmodified opinbn on thoce shtements on 2 Marc-h 2016. （ （ t'h'*,'fuhman Brhman Huq [}gAPR 2ol7 Southeast Bank Limited and its subsidiaries Consolidated Balance Sheet As at 31 December 2016 2016 2015 Note Taka Taka PROPERTY AND ASSETS Cash 4 In hand (including foreign currencies) 2,432,620,307 1,903,292,780 Balance with Bangladesh Bank and its agent banks (including foreign currencies) 15,402,827,761 14,093,697,688 17,835,448,068 15,996,990,468 Balance with other banks and financial institutions 5 In Bangladesh 2,860,092,475 2,187,972,750 Outside Bangladesh 1,185,128,939 1,203,350,315 4,045,221,414 3,391,323,065 Money at call and on short notice 7 4,271,344,100 923,451,500 Investments 8 Government 54,299,803,894 52,620,785,540 Others 7,431,830,566 6,208,480,661 61,731,634,460 58,829,266,201 Loans and advances/investments 10 Loans, cash credit, overdrafts etc./investments 182,661,818,983 161,556,322,321 Bills purchased and discounted 9,203,770,254 7,322,136,224 191,865,589,237 168,878,458,545 Fixed assets including premises, furniture and fixtures 12 8,947,162,556 7,885,226,411 Other assets 14 3,101,610,244 4,813,314,263 Non-banking assets - - Total assets 291,798,010,079 260,718,030,453 LIABILITIES AND CAPITAL Liabilities Borrowings from other banks, financial institutions and agents 16 Subordinated bond 8,000,000,000 3,000,000,000 Other borrowings 7,371,635,082 4,556,919,852 15,371,635,082 7,556,919,852 Deposits and other accounts 18 Current/Al-wadeeah current accounts and other accounts 30,285,059,627 23,179,887,835 Bills payable 6,548,856,941 2,127,206,788 Savings bank/Mudaraba savings bank deposits 19,700,582,409 18,419,861,332 Fixed deposits/Mudaraba fixed deposits 173,438,929,873 166,704,137,174 229,973,428,850 210,431,093,129 Other liabilities 20 19,919,384,323 15,513,931,810 Total liabilities 265,264,448,255 233,501,944,791 Capital/shareholders' equity Paid up capital 22.2 9,169,501,760 9,169,501,760 Statutory reserve 23 9,170,000,000 8,897,307,905 Revaluation reserve 24 4,763,888,676 5,968,128,051 Other reserves 25 247,650,000 247,650,000 Foreign currency translation reserve 26 (24,449,246)
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