--

lFitwnciatstatemcnts of Natiatuf Crefrt attl Commace $anfrLiniu[ tFor tfie Wbd mde[ on 30 SqttnSer 2019 National Credit and Commerce Bank Limited and its Subsidiaries Consolidated Balance Sheet (Un-audited) As on 30 Septemb€r 2019

30 September 2019 31 December 2018 PROPERTY AND ASSETS IaIa Taka Note cash 3(a) 20 2L 9 59 13 30 t4 79 272 In hand (includinq foreiqn currencies) 2,53,99,78,325 1,95,08,02,816 Balance with Bangladesh Bank and its agent bank (s) 11 66 2l 1 334 11 35 0 76 456 (including foreign currencies) Balance with other banks and financial institutions 4(a) 6 90 181 5 0 504 In Bangladesh 3,76,t0,L0,489 4,61 ,58,66,121 Outside Bangladesh 30 0 55 692 80 383

Money at call and short notice 5 9,14,32,50,000 3,72,53,5O,OOO Investments 6 (a) 37 15 70 529 7 73 079 Government 32,0s,86,83,227 28,86,66,8s,498 Others 5 09 t4 87 302 4 0 87 1

Loans and advances 7(a) 78 90 1 76 99 83 Loans, cash credits, overdrafts, etc. I ,73,46,92,61 ,0t5 |,7 | ,14,92,02,123 Bills purchased & discounted 5 44 5 67 243 5 72 07 43 760

Fixed assets including premises, furnitures and fixtures 8(a) 2$9,OOt79,239 2,62,A3,94,77O Oth€r assets 9(a) 9,26,O7,4O,606 6,49 ,57 ,22,945 Non-banking assets TOTAL ASSETS _2EeEeAZ2_ _2A!EE1&A53_

UABILITIES AND CAPITAL Liabiliti€s Borrowings from other banks, financial institutions and agents 10 (a 13 7 69 64L l3 4 991 Subordinated Bonds 4,00,00,00,000 4,00,00,00,000 Other Borrowings 9 67 89 69 641 9 48 4 1 991

D€posits and other accounts 11 (a 75 29 586 9 5 26 974 Current deposits and other accounts 20,42,40,22,641 18,33,68,11,826 Bills payable 3,46,48,10,457 4,37,19,57,363 Savings bank deposits 22,10,16,27,122 22,25 ,85 ,59 ,221 Fixed deposiG 95 ,65,10 ,22,041 87,02,t1,36,409 Term deposits 54 1 41 47 325 59 23 67 62 155

Oth€r liabilities 12(a) 2s.69,88,61,128 19,48,89,06,542 TOTAL LIABILITIES 2,35,13,34,60,355 2t24,19,43t75,5O7 shareholders' equity Paid up capital 13.2 9,27,37,89,030 8,83,21,80,030 Statutory reserve t4 8,00,35,12,659 7,23,80,30,105 General reserve 15 1,01,62,348 1,01,62,348 Non-controlling (Minority) interest 13.3 209 209 other reserve including assets revaluatton reserve 16 48,44,03,321 46,81 ,10,7 l8 Foreign currency translation gain/(loss) 18.3 66,865 2,42,340 Surp us in profit and loss account 18(a) 1 ,51 ,99 ,19 ,67 S \24 ,a3 ,11 ,196 TOTAL SHAREHOLDERS' EQUITY t9,29,t4,54,L17 17,79,70,36,946 TOTAL UABILITIES AND SHAREHOLDERS' EQUIW _2EE/2E-!1p.2 .ZA!E€,E!EA53

NET ASSETS VALUE PER SHARE 20.80 19.19

(' & H.o FAD 30 Seotember 2019 31 December 2018 Taka Taka OFF BALANCE SHEET ITEMS Contingent liabilities Acceptances and endorsements 26,69,13,89,890 24,43,12,01 ,560 Letters of guarantee 33,35,19 ,40,197 28,87 ,72,15 ,450 Letters of credit issued 22,!5,69 ,84 ,526 22,7 4,44,41 ,325 Bills for colleclion 14,57,65,561 11,77,32,750 Other commitments Claims against the bank not acknowledged as debt Capital commitments Export development fund (EDF) 1,19,58,453 21,16,261 TOTAL OFF BALANCE SHEETS TTEMS ___82E!&&@_ __ls&Epi46_

-ll+1^,^^ Company Secretary Chief Financial

,sr, trman

Dated, Dhaka 30 O.tober 2019

2 National Credit and Commerce Bank Limited and its Subsidiaries Consolidated Protit and Loss Accou (Un-audited) For the pedod ended on 30 September 2019

01lanuary 01J.nu.ry Ol July 01 July to to 3O September 30 S€ptember 30 Septembel 30 S€ptemb€r 2019 20ls 2q19 2qls xate Irlr Irle I*! Iela Interest income 19(a) 15,16,94,17,900 12,88,84,24,62s 5,24,t5,34,446 4,55,47,65,118 Lessr Interest paid on deposits and borrowings 20(a) 10,37,47,87,408 8.94,30,76,849 3,7 t ,36,OO,691 3,16,80,58,513 Net lnterest lncome 4,79,46,3O,492 3 t94t53,47 ,776 L,52,79,37 ,79s 1,38,67,O6,605 Income from investments 2r(a) 2,01 ,76 ,87 ,217 2,16 ,48,57 ,950 73,86,37,806 17 ,84,06,366 Commlsslon, exchan9e and brokera9e 22(d) 1,21192,041635 t,06 ,21 ,99,339 45,34,46,980 39,s5 ,92,129 Other operating income 23(a) 42,62,27 ,894 34 ,49,66 ,226 17t78t24$74 8,57,63,037 Totrl operatlng income 8,51,77,50,238 7,5t,79|7,.t291 2,83,7A,47,456 2,54,&,58,137 Salary and allowances 24(a) 2,02,73,9t,543 1,87 ,32,92,776 64,46,85,494 63,s2,s0 ,923 Rent, taxes, lnslrance, electricity etc. 2s(a) 36,76,53,958 31.40,80,638 11,98,73,551 11,11,69,912 Legal expenses 26 (a) 1,16,01,825 97,59,870 20,51,064 15,54,038 Postage, stamp, telecommunication etc. 27(a) 4,48,46,524 4,57,s1,908 1,00,40,240 1,t4,29,284 Statlonery, printing. advertlsement etc. 28(a) 6,05,13,650 6,07,9s,971 1,80,98,054 1,10,96,512 Managlng Dlrector's salary and allowances 29 97,o5,ooo 93,01,613 34,55,000 34,01,613 Directols fees & other meeting related expense 3O(a) 45,02,133 37,60,091 11,3r,900 70,47,799 Auditors' fees 31(a) 4,61,438 2,88,938 2,88,938 96,313 Charges on loan losses Reparrs, maintelance, amo(izalon & depreciation 32(a 30,76,27,383 21,14,22,492 9,69,98,740 8,61,04,069 Other expenses 33(a 27 ,09 ,62,854 29 ,64,52,021 8,38,47,242 7 32 77 t?0 Total operatlng expense 3,10,s2,66,308 2,44,49,06,224 94,O4,7O,224 93,44,21,533 Profit before provlslons s,41,24,43,930 4,63,30,65,067 L,45,73,77 ,229 L,71,2O,46,3O4 Provlsion for loans and advances 34 18 07 224 0 87 82 775 28 13 30 08 40 94 80 244 Specific provision 12.6.1(a) 1,73,99,34,728 1,04,18,38,165 29,55,71,350 38,26,15,288 General provision 12.6.1(b) 39 81 17 500 69 10 1 42 68 63 956 Provision for off-balance sheet exposures 12,7 6,15,12,985 24,83,95,373 ,66,67,016 6,16,77,852 Provision for off-shore banking unit 12.6 (c) (21,\2,480) (2,t1,03,480\ 31,08,662 s7,93,014 Provision for investment fluctuation in shares 6.3 (a) 13,30,s6,793 79,O7,64,515 12,7 5,25,094 t,49,56,728 Provision for other assets 12.2 2,80,1r,798 27,50,765 26,15,127 Provlsion for nostro accounts 12.11 Total provislons t,55,22,76,324 1,62,83,90,008 43,86?31,080 49t7r22t96s Proflt after provision 3,85,02,07,606 3,00,45,7s,0s9 t,4t,87,46,149 1,21,45,23t539 contribution to Ncc Bank's csR Fund 12,9 7s,00,000 75,oo,ooo 25,00,000 25,00,000 Pmftt befole tar 3,44,27,07,606 2,99,71,75,059 1,4,.,62,46,149 1,2t,2O,23,539 Provision for tax I 50 254 829 6 885 70 540 Current tax 12.4 1,48,39,05,453 68,54,18,135 53,58,75,555 Deferred tax 12.5.1 2 a7 24 24 249 1 84 94 984 Profit after tax 1 57 3 5 I 3 Attrlbutable tol ShareholdeB' of the bank 1,91,88,57,352 1,54,19,94,23t 76,30,31,263 65,16 ,52,999 Non-controlling (Minority) interest (1) 1,91,88,57,352 1,54,19 ,94,230 76,30,31,263 65,16,s2,999 Balance of profit brought forward 18,2 36,50,93,195 11.39,01,690 1.24,83,11,196 1,26,20,85,094 Total prolit available for distribution 2,24,39,5O,s47 r,5s,s&9s,920 2,Ot,L3,42,459 1,91,97,38,093 Approprlatlonsl Statutory reserve 76,54,82,564 59.90,66,136 28,18,81,025 23,52,02,016 Geoeral reserve 16 54 82 564 59 90 66 135 28.18,81,025 23,52,02,015 Retained e.mings 1r51,8467,983 L,O3,64,29,744 L,72,94,6L,433 1,58,45,35,078

Eamlngs per sharc 37(.) 2,O7 1,56 0.82 o,7L

Comp6ny ch ef Financlal .|}''A Manag "s,

ber 2019

3 National Credit and Commerce Bank Limited and its Subsidiaries Consolidated Cash Flow Statement (Un-audated) For the period ended on 30 September 2019 0l January O1.lanuary to to 30 September 30 September 2019 2018 Note Taka Taka A) Cash flows from operating activities Interest received in cash t6 ,87 ,49 ,14 ,524 14 ,48 ,55 ,90 ,4t7 Interest paid by cash (7 ,00,07 ,43,040) (7 ,32,43,2s,90s) Dividend received 6,7t,89,587 8,25,31,246 Fees & commission received in cash 68,95,29,284 67,75,42,363 Recoveries of loans previously written off 2,07,s2,lst 67,L4,643 Cash paid to employees (2,28,s7,46,744) (2,05 ,87 ,7 4 ,424) Cash paid to suppliers (12,60,8s,189) (12,01,07,831) Income taxes paid (t ,76 ,77 ,0t ,984) (8s,77,76,137) Received from other operatinq activities 9s,6s,03,24s 72,65,93,546 Paid for other operating activities (73 ,94 ,32 ,089) (72 ,70 ,31 ,403) Operating Cash flow before changes in operating assets and liabilities 7 ,28 ,9t ,80 ,246 4,89,15,56,514 Increase/(De.rease) in operating ass€ts & liabilities Purchase and sale of trading securities (3 ,79 ,0t ,90 ,07 2) 3,Ls,02,63,247 Loans and advances to customers (Other than banks) (2,03,98,82,37s) (20,36,91,39,601) Other assets ( 1,25,53,48,801) (2s,t3,02,594) Deposits from other banks/borrowings (4,82,86,54,087) 5,60,64,5t,982 Deposits from customers (Other than banks) 10,08,74,57 ,076 16,37,22,7t,9t8 Other liabilities account of customers (22,8t,07,t46) (27 ,34,59,301) Other liabilities (91,38,096) \128 t78,743) Net cash received from/(used in) operating activities FZ2,S],??,14F 9,11r37r63t321 B) Cash flows from investing activities Proceeds from sale of securities 35,54,92,293 33,11,30,459 Payment for purchase of securities (20,36,69,962) (6,67 ,72,23,662) Purchase of property, plant and equipment (2s,69,93,320) (30,s0,3s,041) Sales proceeds of fixed assets 7 70 321 77 ,37,268 Net cash received from/(used in) investing activities (10,44,00,569) (6t64,33t96t975) c) Cash flows from financing activities Borrowings from other banks, financial institutions and agents 40,65,34,264 80,23,48,087 Issue of non-convertible subordinated bonds 4,00,00,00,000 Dividend paid in cash (44,16,09,002) (t ,t4 ,81 ,83 ,404) Net cash received from/(paid on) financing activities (3t5O,74,737) 3,65,41,64,683 D) Net (decrease) / increase in cash (A+B+c) 5,08,58,47,339 6tt2t45pttO29 E) Effects of exchange rate changes on cash and cash-equivalents (7,75,47 s) (16,86,027) F) Opening cash and cash-equivalents 22,33,49,t9,776 t7 ,01 ,80 ,94 ,096 G) Closing cash and cash-equivalents (D+E+F) 35(a) 27,42,O5,9L,O4O 23,L4,O9,39,O99 Net operating Cash Flows Per share 38(a) ______!!3______9.83

Co pany retary ch ef Financial r

M ana "b"r n

4 National Credit and Commerce Bank Limited and its Subsidiaries Consolidated Statement ofChanges in Equity (Un-.udited)

Fo. the period €nded on 30 Septemb€r 2019 For€i9n controlling Surplusin profit Total Parti€ulars Paid up capital Statutory r€sawe (irinority) translation and loss account interest sain/(loss) Taka Taka Taka Taka Taka T.k. Taka Taka Salance as on 0r. Jan 2019 a.a3,21,ao,030 7,23,80,30,105 1,O1,52,3,$ 46,8r,10,7la 209 2,42,341) L24,43,LL,L96 L7,79.70.35.946 revaluation of Transfered from revaluation reserve against depreciation on (14,51,693) t4,5t,693

Traosferred from deferred tax liability aqt. revers€ deferred tax on revaluation on land & building securities (Ueasury Surplus/(deficit) on account oF revaluation of Govt. t,77,44,295 1,77,44,295 hills/honds) HTM & HFT made durino the Deriod ended Currency translation gaans and losses not recognized in the profit & loss (t,75,475) 1.75.475\ Non-controllino {MinoriW) interest Eonus share for the year 2018 44.16.09.000 t44.16.09.000) Cash dividend for the year 2018 (44,16,09,002) (44,16,09,002) Net Drofit for the oeriod ended t,9t,88,51,352 1,91,88,57,352 76,54 ,42,564 176,54,42,564\ aahnce as on 30 September 2019 9,27 ,37 ,A9,O3O 4,00,35,12,659 1.Or.,62,3/ra 44,44,03,32L 209 66,86s L,sl,99,t9,675 t9.29,18,54,1L7

For the D€riod ended on 30 S€Dtemb€r 2018 l{on- controlling Surplus in profit Total Particulars Paid up capital Statutory res€ c (irinority) translation inter€st Taka T.k. Tak. Taka Taka Taka Taka Balance as on 0l January 2018 &a3,21,aO,030 6,54,52,23,559 L,Ot,62,344 5r3rL7t737 209 L8t62tL74 1,26.20,45,O95 t7,L8,5O,3L,251 reserve aqainst depreciation on revaluahon of Transferred from revaluation (r4,88,916) 14,88,916

( liability agt. reverse deferred tax on Transfeffed from deferred t 31.76,353 3r,76,353 rcvaluation on land & burldino (treasury Surplus/(defrcit) on account of revaluation of Govt. securities (8,01,29,410) (8,01,29,410) rna /i' .n rhc ncr^i cn.ia,l Currency translation qains and losses not recognized in the profit & loss (16,86,027) (\6.86.021) Non'controllino (l4inority) interest {1) 1 Bonus share for the year 2017 201,/ 11.14.81.83.404) {1.14.81.83.404) Net orofit for the period ended |,54,19,94,230 t,54.r9,94,230 Transfer to statutory reserve 59,90,66,116 (59.90.66.136) Balance as on 30 September 2018 8,43,21,80,O30 7 ,t4,42,49,AO5 t,oLt62t348 45,50,75.764 204 Lt76,L47 L,Os,A3,LA,7OL 17 ,5O,O2,O3,OO3 +=/---- Chi€f Financial Company +4 "ry

5 National Credit and Commerce Bank Limited Balance Sheet (Un-audited) As on 30 September 2019 30 September 2019 3l December 2018 PROPERTY AND ASSETS Taka Taka Note cash 3 t4 20 35 558 1 30 79 2 In hand (including foreign currencies) 2,53,99 ,7 4,234 1,9s,08,02,816 Balance with Bangladesh Bank and its agent bank (s) 11 6 21 61 334 11 35 06 76 456 (including foreign currencies)

Balance with other banks and financial institutions 4 4 00 5 9 274 5 12 520

In Bangladesh 3,69 ,7 4,36,545 4,44,02,80,137 Outside Banqladesh 30,80,ss,592 68,s0,80,383

Money at call and short notice 5 9,1+32,sO,OOO 3,72,53,50.000 Investments 6 36,93,66,45,1A4 ?347,12$4,749 Government 32,0s,86,83,227 28,86,66,85,498 Others 4,87 ,79 ,61 ,957 4 ,60,45 ,99 ,251 Loans and advances 7 00 7 07 971 I 73 7 89 055 Loans. cash credits, overdrafts, etc. L,7O,56,41 ,40 ,7 28 1,68,14,60,45,295 Bills purchased & discounted 5 44 05 67 243 5 72 43 760 Fixed assets including premises, furnitures and flxtures I 2,67,9LtlL,566 2,61t71,32,566 Other assets 9 tL,tL,z7 $5pgt a42,O7 t2A,sr3 Non-banking assets TOTAL ASSETS -28![911 Z-,6s8 _21482E4]1p_s LIABILITIES AND CAPITAL Liabilities

Borowings frcm other banks, financial institutions and agents 10 13 53 78 5 564 13 33 0 905 Subordinated Bonds 4,00,00,00,000 4,00,00,00,000 Other Borrowings 9 63 78 51 564 9 38 33 0 906

Deposits and other accounts 11 I 96 96 l1 299 9 3 37 5 3 Current deposits and other accounts 2!,02,95,01 ,354 18,45,53,30,515 Bills payable 3,46,44,10,457 4,37 ,19 ,57 ,363 Savings bank deposits 22,10,16,27,122 22,25 ,85 ,59 ,221 Fixed deposits 95 ,65,!0 ,22,04t 87 ,02,r1 ,36,409 Term deposits 54 31 4t 47 25 59 23 67 62 155 other liabilities t2 24,31,74t71,O33 tA,L2t44,3ApL3 TOTAL LIABILITIES 2,34,91,643Op96 2,22,8s,Ls,ts,382 Shareholders' equity Paid up capital 13.2 9,27,37,89,030 8,83,21,80,030 Statutory reserve l4 8,00,35,12,669 7,23,80,30,105 General reserve 15 1,01,62344 1,01,62,348 Other reserve includinq assets revaluation reserve 16 4A,44 ,03 ,321 46,81 ,10,718 Foreign currenry translation gain/(loss) t7 66,865 2,42,340 Surplus in profit and loss account 18 1,39,57,42,529 1 ,12,78,83,7 s2 TOTAL SHAREHOLDERS' EQUITY t9t16t76,76,762 t7 ,67 ,66,09 ,293 TOTAL UABILITIES AND SHAREHOLDERS' EQUITY _2$p9A!pzrts8_ _ZA9EEAfl1

NET ASSETS VALUE PER SHARE 20,67 19.06

SL Loo H.C) FAI) {

6 30 September 2019 31 December 2018 Taka Yaka

OFF BALANCE SHEET ITEMS

Contingent liabilities Acceptances and endorsements 26,69,13,89,890 24 ,43,7 2,0t ,560 Letters of guarantee 33,35,19 ,40 ,197 28,87 ,7 2,15 ,450 Letters of credit issued 22,15,69 ,84,526 22,7 4,44,4),,325 Bills for collection t4,57,65,561 11 ,77 ,32,750 Other commitments Claims against the bank not acknowledqed as debt Capital commitments Export development tund (EDF) 1,19,58,453 21,16,261 TOTAL OFF BALANCE SHEETS ITEMS 82,35,80,38,627 76,17,47,O7,346

Secretary Financial Officer

s",

Dhaka October 2019

1 National Credit and Commerce Bank Limited Profit and Loss Account (Un-audited) For the period ended on 30 Sept€mber 2019

0l J.nuary 01J.nu.ry Ol July 0l July to 30 SeDtembel 30 S€ptember 30 Septernber 30 September 2019 2A1A 2019 201! XoIr IiI! I! Ida I*e Interest income 19 15,11,17,59,413 t2,90,64,23,944 5,23,92,08,019 4,55,54,13,710 Less: Interest paid on deposits and borrowings 20 t0,37,t7,44,466 8,94,30,76,449 3,71,18,19,138 3,16,80,58,513 Net interert inaome 4t80,60 tL4t947 3,96,33,47 ,O95 1,52,73,88,881 \34,73,55,197 '13,11,15,965 Income f rom investments 2r 2,06,74,36,608 2,14,60,17 ,465 77 ,t5,13,692 Commission, exchanqe and brokeraqe 22 1,t5,75,74,849 1,00,84 ,1t,727 43,27,13,828 36,88,89,876 Other operating income 23 42,47 ,t4 ,386 34,34,31,46r 11,66,06,185 8,44,88,243 Total operating inaome 8,44,97,40,790 7 ,46,L2,O4,L44 2,4L34,24,459 2,61,22,47 ,OOa Salary and allowances 24 1,99,93,64,807 L44,56,12,242 63,54,30,993 62,59,45,952 Renq taxes, insurance, electricity etc. 25 35,76,53,652 30,42,88,719 11,65,11,699 t0,77 ,70,605 Legal expenses 26 1,16,01,825 97,59,870 20,51,064 15,54,038 Postage, stamp, telecommunication etc. 27 4,41,2t,616 4,55,72,009 1,00,37,444 t,t3,9t,537 Stationery, printing, advertisement etc. 28 6,02,38,002 6,04,27,2t0 1,80,15,788 1,09,96,251 f4anaging Director's salary and allowances 29 97,05,000 93,01,613 34,55,000 34,01,613 Director's fees & other meeting related expense 30 43,36,533 35,11,691 11,31,900 9,92,599 Auditors' fee 31 4,3t,250 2,58,750 2,58,750 86,250 Charges on loan losses Repairs, maintenance, amortization and depreciation 32 30,55,65,185 26,90,10,533 9,63,39,1s3 8,57.97,618 Other expenses 33 25,59,33,11e 28,72,82,305 8,00,s6,823 6,98,66,557 Total opcrating expense 3,05,25,51,648 3 942 96,32,8816s3 91,78,03.020 Proflt before provblons 5 39 7 9 l42 1 206 8 205 1,59,44,13,948 Provision for loans and advances 7 228 775 308 94 244 Specific provision 12.6(a) 1,73,99,34, 1,04,18, ,165 29,55,71,350 38,26,16,288 Generalprovision 12.6(b) 39 7 500 1 69 610 1 042 68 956 Provision for of{-balance sheet exposures a2.7 5,15,12,98s 24,83,95,373 2,66,67,016 6,t6,71,852 Provision for offshore banking unit 12.6(c) (21,12.480) (2,17.03,480) 31,08,662 87,93,014 Provision for investment fluduaUon in shares 6.3 13,30,56,793 18,50,67,093 r2,15,25,O94 3,33,67,673 Provision for other assets 12,2 2,80,11,798 21,50,765 26,t5,t27 Provision for nostro accounts 12.11 Total prcvisions 1,55,22,75,324 t,62,32,92,526 43,85,31.080 51,59,33,910 Prolit after provision 3,83,49,12,818 3,00,28,30,680 1,4L.19,O5,t26 ltt7,85,LO,O7a Contribution to Ncc Bank's CSR F!nd 12,9 75,()o,ooo 75,oo,ooo 2s,00,000 25,00,000 Profit before tax 3,42,74,L2,4L4 2,99,s3,3o,680 t,40,e1,o5,L25 t,t7 ,5o,1o,o7 a Provision for tax 9 5 158 81 804 Current tax 12.3 t,97,43,64,898 |,47 ,63,69,305 68,22,39,101 54,45,75,820 Deferred tax 12.5.1 6 20 59 730 (2.a7.24.624\ 3 1 84 94 984 Profit after tax 1,91,51,07,550 1,54,7 6,85,999 75,93,58,664 6t,29,39,27 4 Balance of profit brought forward 18.1 24 65,750 28,65,468 t,t2178183 t7 52 t,15.to,48,872 Total profit available for distribution 2,1s,97,73,4OO 1,55,05,51,467 \AA,72,s2,42o 1,76,39,48,145 Appropriationsl Statutory reserve 76,54,82,564 59,90,65,136 28,18,8r,025 23,52,02,0t6 General res€rve 76 54 564 s9,90,66,136 28,18,81,025 23,52,02,016 Ret.ined earnings 1 6 95,14,85,331 1,60,53,71,395 \32,47 ,46,13O

Eamings per share 37 2,O7 1.67 0.a2 0.66

-\u--t cilbf Financiat-_- officer

l{ana

Dated 30 2019

8 National Credit and Commerce Bank Limited Cash Flow Statement (Un-audited) For the period ended on 30 September 2019 01January 01January to to 30 September 30 September Note 20r.9 20r.8 Taka Taka A) Cash flows from operating activities

Interest received in cash t6 ,94 ,45 ,02,7 83 t4 ,51 ,4t ,58,67 5 Interest paid by cash (6 ,99 ,77 ,00,098) (7,32,42,32,629) Dividend received 5,89,16,068 7 ,25,44,775 Fees & commission received in cash 62,18,99,498 61,98,39,651 Recoveries of loans previously written off 2,07,52,051 67 ,r4,643 Cash paid to employees (2,2s ,77 ,19 ,408) (2,03,04,93,890) Cash paid to suppliers (11,91,76,889) (11,50,96,652) Income taxes paid (1,15,61,56,898) (83,77,is,336) Received from other operating activities 95 ,49 ,89 ,137 72,50 ,58,78t Paid for other operating activities (72,ts ,7 6 ,019) (70 ,80 ,t3 ,27 6) opcrating c.sh flow before changes in opeEting assets and liabilities 7 ,34,87 ,30,826 4,92,27,64,74r Increase/(decrea*) in operrting a$eta & liabilities Purchase and sale of trading securities (3 ,79 ,0t ,90,07 2) 3 ,15 ,02,63 ,247 Loans and advances to customers (Other than banks) (2,1,3 ,7 9 ,18 ,91,6) (20,31,4s,ss,0s2) Other assets (1 ,25 ,14 ,r4 ,77 3) (27,70,38,249) Deposits/ borrowings from other banks (4 ,7 6 ,88,6r ,079) 5,60,64,51,981 Deposits from customers (Other than banks) t0,17 ,44,17 ,100 16,22,57,39,234 Other liabilities account of customers (29 ,4s ,Bs ,67 4) (24,87,81,174) Other liabilities (91,38,096) (1 ,28 ,7I ,7 43) Net cash received from/(used in) operating activities 5 27 10 39 3t7 9 05 19 65 985 B) cash flows from investing activities Proceeds from sale of securities 30,28,24,284 25,64,84,405 Payment for purchase of Securities (14,s4,36,833) (6 ,s8,8t,7 2,268) Purchase of property, plant and equipment (2s ,s9 ,96,0r7) (30 ,43 ,61,427) Sales proceeds of fixed assets 7,06,308 77 ,3t,268 Net cash received from/(used in) investing activities (9t79,O2,2s9) (6,6a83,r8r021) C) Cash flows from financing activities Borrowings from other banks, financial institutions and agents 46,63,27,272 80,23,48,087 Issue of non-convertible subordinated bonds 4,00,00,00,000 Dividend paid in cash (44, 16,09,002) (1,14,81,83,404) Net cash received from/(paid on) financing activities 2,47 ,LAt27 I 3 6 4 683 D) Net increase/(decrease) in cash (A+B+c) 5,t9,74,55,329 6p7,78tL2,647 E) Effects of exchange rate changes on cash and cash-equivalents (1,7s,47s\ (16,86,027) F) Opening cash and cash-equivalents 22,15 ,93 ,33 ,t92 1b 90 13 00 433 G) Closing cash and cash-equivalents (D+E+F) 35 __27,3!f919846_ 22,97 t7 4,27 tO54

Net Operating Cash Flows Per Share 38 5.68 9,76

Company,l&r^,-' Secretary c Financial officer ar Ma Dire#Jr an

I National Credit and Commerce Bank Limited Statement of Changes in Equity (Un-audiH) For the period erded on 30 September 2019 Od|€r rcaerue Foreign Paid up General induding as..ets cuaTency Surplus in prcfit Total Particulars Statutory res€we capital reserye r€valuauon translation and loss account ng'erve gain/(loss) Taka Taka Taka Taka Taka Taka Taka Balance as on 0l fanuary 2019 8,83,21,80,030 7,23,8O,3O,1O5 1,01.62,348 45,E\lO,778 2A2t34O L12,74p3,7s2 t7 ,67 ,66,09,293 TEnsferred from revaluation reserve against depreciation on (14,51,693) 14,51,693 revaluation of fixed assets Transferred from deferred tax liability agt. reverse deferred tax on revaluation on land & building Surplus/(deficit) on account of revaluation of Govt. securities L,77,44,295 L,77,44,295 (treasury bills/bonds) HTM & HFT made during the period ended Cunency translation gain/(loss) not recogni2ed in the profrt & loss (1,7s,47s) (t,7s,475\ Bonus share for the year 2018 44,16,09,000 (44, 16,09,000) Cash dividend for the year 2018 (44,16,09,002) (.14. 16.09.002 ) Net Drofit for the period ended 1,91,51,07,650 1.9r.51.07.650 Transfer to statutory reserve 76,54,82,5& (76,54,82,564) Balance as on 30 September 2019 9,27,37,49.030 8,00,35,12,669 1,Ol,52,3ilE ir8.i+4.03.321 66,865 1,39,57,42,529 19.16,7 6,7 6,762

For the period ended or 30 September 2018 Other reserve Foreign Paid up Genelal including assets currency Surplus in profit Total Particulals Statutory reserue capital revaluation translation and loss aaaount teserYe gain/(loss) Taka Taka Taka Taka Taka Taka Taka Balance as on Ol January 2018 8,83,21,80,030 6,54,52,23,669 1,o1,62,348 53,35,17 ,737 ,.8,62,174 1.15,1O,48,872 t7 ,o7 ,39,94,A3O Transferred from revaluation reserve against depreciation on (r4,88,916) 14.88.916 revaluahon of fixed assets Transferred from deferred tax liability agt. reverse deferred tax on 31,76,353 31,76,353 revaluation on land & building Surplus/(deficit) on account of revaluation of Govt. securities (8,01,29,410) (8,01,29,4r0) (treasury bills/bonds) HTM & HFT made during the period ended Currency banslation gain/(loss) not recognized in the profit & loss (r6,86.027) (16,86,027] C.sh dividend for the vear 2017 (r,r4,81,83,404) (1.14.81.83.404) Net profit for the period ended r,54,76.85.999 1.54.76.85.999 Transfer to statutory res€rve 59,90,66,r36 (59.90.66.136) Balance as on 30 September 2018 a,a3,21,80,030 7.t4,42,89,aO' 1,O1,62,348 45.50.7 5,7 64 1.76,147 95,29,7 4,247 17,39,44,54,341

pa Chief Officer

M ",w an 10 National Credit and Commerce Bank Limited Laquidaty Statement ( Asset and Liability Maturity Analysis) As on 30 S€ptember 2019

Not more than Above s-years Particulars 1-3 months term 3-12 months term 1-5 years term Total 1 month term term Assets: Cash 3,54,s 1,60,870 10.65.69.7 4.698 t4,20,21,35,568 Balances with other banks 2,It,54,92,278 1 1 9 00 00 000 70 00 00 000 4 ,0o ,54 ,92 ,278 and financial institutions I4oney at call & short notice 8.55,17,50,000 59,15,00,000 9.14.32.50.000 Investments 3,30,97,48,233 1.49.82.49,200 2,64,67.73.300 10.52.95.31.050 18.95.24.03.401 36,93,66,45,184 Loans & advances tt,32,45,68,t23 25,53,88,26,407 76,38.55.16,683 49.09,54,30,852 13,66,03,6s.906 t.76.00.47 ,07.977 Fixed assets including Iand, building, 2,93,97 ,720 6,23,40,797 28,05,33,587 27,84,74,2t7 2,02,83,6s,24s 2,67,9t,Lt,566 furniture & flxtures Other assets 20,44,t2,706 1,15,14,19,853 2,03,36.08,024 s ,46 ,69 ,30 ,73s 2,25,63,93,772 1t.t|.27.65.09t Non-bankinq assets Total assets 29,08,0s,29,93r 3(J,o3,23,36,257 82,04,63,7L,595 65,37,03,66,853 47,55,45,O3,O22 2,54,O8,4L,O7,658 Liabilities: Borrowing from other banks, financial 4,68,64,02,802 1,t5,67,32,9t3 t,84,66,77,746 93,39,95,397 4,97,40,42,706 t3,63,74,5t,564 institutions & aoents DeDosits 17,7t,86,96,5t7 24,52,03,33,606 80,27,48,69,441 47,29,14,69,ssg 27,15,57,39,t77 1,96.96.11.08.298 Provision & other liabilities t.34.56.7 4.7 43 t,57,70,23,5t4 4 ,17 ,90 ,78 ,270 9,26.06.70.t68 7,95.50.24.33s 24.31.74.7 t.O33 Total liabilities 23,75,O7,74,062 27,25,40,90.O37 86,34,06,2s,4s6 57,48,6L,35,123 40,o8,48,06,218 2,34,91,64.30,496 Net liouiditv qap 5,32,97,55,469 2,77,82,46,22O (4,29,42,s3,462) 7,88,42,3,-,730 7,46,96,96,4O4 L9,L6,76,76,762 Net result of the liquidity statement represents the 'shareholders' equity' of the bank.

.I4""-^^ N+------" Company S€cretary Chief Financial Officer

& o ,9h, trman

11 National Credit and Commerce Bank Limited

Selectlv€ €xplanatory notes to the Financial Statemerts (Un-audlted) As on and for the oeriod ended on 30 September 2Ol9 I Status of the Bank The National Credit and Commerce Bank Limited (NCCBL) was formed as a public banking company limited by shares incorporated in Bangladesh with primary objective to carry on all kinds of banking business in and outside Bangladesh. The principal activities of the Bank are to provide all kinds of commercial banking services i.e. loans and deposiLs services, personal and commercial banking, trade services etc. to its customers through its branches. 2 Significant accounting policies and basis of preparation of financial statements 2.1 Basis of preparation The separate financial statements of the Bank as at and for the period ended on 30 September 2019 comprise those of Domestic Banking Unit (Main operations) and Offshore Banking Unit (OBU), and the consolidated financial statements of the group comprise those of'the Bank'(parent company) and its subsidiaries (together referred to as'the group'and individually referred to as'group entities/subsidiaries'). Financial Statements of the Bank are prepared on a going concern basis under the historical cost convention and in accordance with First Schedule of the Banking Companies Act 1991, as amended 2013, BRPD circular no. 14 dated 25 June 2003, other Bangladesh Bank circulars, International Accounting Standards, and International Financial Reportjng Standards as adopted by the Institute of Chartered Accountants of Bangladesh, the Companies Act, 1994, the Bangladesh Securities and Exchange Rules 1987. Wherever appropriate, such principles are explained in succeeding notes. 2,2 Statement of compliance The Financial Reporting Council (FRC) under the Financial Reporting Act, 2015 has been formed but the Financial Reporting Standards (FRS) under this council ls yet to be issued for public interest entities such as banks. The Bank Company Act, 1991 was amended to require banks to prepare their financial statements under such financial reporting standards, Whether FRS is yet to be issued as per the provisions of the FRA, the consolidated and separate financial statements of the Group and the Bank respectively have been prepared in accordance with International Financial Reporting Standards (IFRSS) and the requirements of the Bank Companies Ad 1991, as amended 2013, the rules and regulations issued by Bangladesh Bank, the Companies Act 1994, Securities and Exchange Rules 1987. In case any requirement of the Bank Companies Act 1991, and provisions and circulars issued by Bangladesh Bank differ with those of IFRSS, the requiremenLs of the Bank Companies Act 1991, and provisions and circulars issued by Bangladesh Bank shall prevail. 2.3 Basis of consolidation The consolidated financial statements include the financial statements of NCC Bank Limited and its subsidiary companies - NCCB Securities and Financial Services Limited & NCCB Capital Limited. The consolidated financial statements haye been prepared in accordance with International Financial Reporting Standards 10-"Consolidated Financial Statemenls". 2.4 Credit Ratings Emerging Credit Rating Limited (ECRL) has affirmed 'AA' (pronounced 'Double A') rating in the Long Term and 'ST-l'rating in the Short Term with Stable Outlook to NCC Bark Limited based on audited financial of FY 2015 - 2018 and other available information up to the date of rating declaration. ECRL considered flnancial performance, capital base, asset quality, liquidity position, management experience and prospect of the industry while assigning the rating. The afflrmed rating reflects the strengths of the bank which is backed by its increased market share in terms of deposits, loans and advances, compliance with SLR, CRR and CRAR, diversification in loan portfolio, high groMh in loan portfolio as well as investment and increased profitability as well as assets and capital of the bank. Details of the rating are as under: Year Ratings 2018 20L7 Long Term AA (Very Strong Capacity) AA (very Strong Capacity) Short Term sT-1 (superior Capacity) ST-1 (Superior Capaciw) Outlook Stable stable Valid From June 22, 2019 June 22, 2018 valid Till June 21, 2020 June 21, 2019 Rating Action Surveillanc€ Initial An institution rated 'AA' in the long term has a very strong capacity to meet its financial commitments and rated'ST-f in the short term have superior capacity to meet its financial commitments in a timely manner, Stable Outlook indicates that the Ratinq is likelv to remain unchanged. 2.5 Cash flow statement Cash flow statement has been prepared in accordance with the BRPD Circular No. 14, dated June 25, 2003 issued by the Banking Regulation & Policl Department of Bangladesh Bank. It reported cash flows during the year classified by operating activities, investinq activities and financinq activities, 2,6 Interest income In terms of the provision of the IFRS-l5 "Revenue from contracts with customers" the interest income is recognized on accrual basis. Interest on loans and advances ceases to be taken in to income when such advances are classified. It is than kept in interest suspense in a memorandum account. Interest on classified loans and advances is accounted for on a cash receipt basis. 2.7 Investment income s cofi. !+ lnterest income on investments is recognized on accrual basis. Capital gain on investments in shares is also t'l investment income. Capital qain is recognized when it is realized. FAD 12 2.8 Dividend income on sharcs Dividend income from an investment is recognised when the company's rights to receive payment is established (declared by the Annual GeneraMeetinq of the investee or otherwise), 2,9 Interest paid and other expenses

In terms of the provisions of IFRS, interest and other expenses are recognized on accrual basis, z.lo Fees and commission income The Bank recognises revenue in the amount of any fee or commission to which it expects to be entitled in exchange for arranging for other parties to provide services. The Bankt fee or commission might be the net amount of consideration that it retains after paying the other party the consideration received in exchange for the goods or services to be provided by that party. Commission charged to customer on letters of credit and letters of guarantee is credited to income at the time of effectino the transactions. 2.1 Provisions a) Loans and Advances, Off Balance Sheet Items, Investments & Othe. Assets: Provisions for loans and advances, off balance sheet items, investments and other assets have been made as per directives of Bangladesh Bank issued from time to time, b) Provision for Taration Provision for income tax has been made on taxable income after necessary add back in accordance with the provision of Finance Act-201.9 and the Income Tax Ordinance 1984, c) Others; Figures relating to previous year/period included in this report have been rearranged, where ever necessary, 30 September 2019 31 December 2018 Taka Taka 3 Cash Cash in hand ( Including foreign currencies) Conventional banking Local currencl 2,s0,87,6s,s18 1,93,32,44 ,s32 Foreign currencies 3,12,08,716 1,75,58,284 2 99 74 234 1,95,08,02,816 Off-shore banking unit 2 s3 99 74 234 1,95,08,02,816 Balance with Bangladesh Bank and its agent bank (s) Conventional banking Local currency 1t,39,37,71,049 10,00,72,86,1s1 Foreign currencies 7,25,46,631 66.s8,29,3s2 11,46,63,23,680 10,67,31,15,503 Sonali Bank Ltd. as agent of Bangladesh Bank ( Local currency ) t9,58,37,653 67,75,60,953 11,66 ,21,6t,334 11,35,06,7 6,456 off-shore banking unit u,66,2t,6t,334 11 ,35,06,7 6,456 ___11AAlE.s68 _-_E&A!]:L272_ 3(a) consolidated cash Cash in hand NCC Bank Limited (Note-3 ) 2,53,99 ,74 ,234 1,95,08,02,816 NCCB Securities and Financial Services Limited 4,091 NCCB capital Limited 2 53 99 78,325 1,9s,08,02,816 Balance with Bangladesh Bank and its agent bank(s) NCC Bank Limited (Note-3 ) rr,66,21 ,6\,334 11 ,35 ,06,7 6 ,456 NCCB Securities and Financial Services Limited NCCB Capital Limited Lt,66,2r,61,334 11,35,06,76,4s6 ___]4AAE.6se__ L3,30,14,79,272 4 Balance with other banks and financial institutions ln Bangladesh Conventional banking 3,69 ,7 4 ,36,586 4 ,44 ,O2,AO,137 Off-shore banking unit 3,44,28,127 4,87 ,49,716 3 ,73 ,t8,64 ,713 4 ,48,90,29 ,853 Less: inter transaction between OBU and conventional banking (3 ,44 ,28 ,127 ) (4 ,87 ,49 ,7 16) 3 69 74 36 586 4 ,44 ,02,80 ,t37 Outside Bangladesh Conventional banking 30,80,55,692 68,50,80,383 Off-shore banking unit c ! !: 30,80,ss,692 68,50,80,383 H.o 4 4 9 274 5,12,53,60,520 !) FAI) 13 :\ 30 September 2019 31 December 2018 Taka Lte 4(a) Consolidated balance with other banks and financial institutions

In Bangladesh

NCC Bank Limited (Note-4 ) 3 ,69 ,7 4 ,36,586 4 ,44 ,02,80 ,t37 NCCB Securities and Financial Services Limited 22,05,86,8& 24,77,75,406 NCCB Capital Limited 25 ,84,36,Lr9 25 ,84 ,s0 ,194 4 ,t7 ,64 ,59 ,569 4 ,94 ,65 ,05,737 Less: Inter company transactions (41,54 ,49 ,080) (33,06,39,616) 3 76 10 10 489 4 61 58 66 121 Outside Bangladesh NCC Bank Limited (Note-4 ) 30,80,ss,692 68,50,80,383 NCCB Securities and Financial Services Limited NCCB Capital Limited 30,80,55,692 68,50,80,383 4,06,90,66,181 s,30.09,46,504 5 Money at call and short notice Banking company 9,14,32,s0,000 3,19,53,50,000 Non-banking financial institutions 53,00,00,000 9.14,32,50,000 3.72,53,50,000

6 Investments Government securities-(Note 5.1) 32,0s,86,83,227 28,86,66,8s,498 Other investments-(Note 6.2) 4 87 79 61 957 4 60 45 99 51 36,93,66,4s,184 33,47,12,84,749

6.1 Government securities Conventional banking Treasury bills: 91 days treasury bills 2,28,16,95,200 182 days treasury bills t,2t,62,94,000 364 days treasury bills 1,95,87.67,800 41,36,34.900 5,45,67,57,000 41 36 34 900

Bangladesh Bank Bill

Treasury bonds:

2 years treasury bonds 1,18,16,10,800 5 years treasury bonds s,st,26,27,991 7,32,76,92,000 10 years treasury bonds 9,22,47,90,257 11,23,15,53,606 15 years treasury bonds 4 ,72,t9 ,67 ,556 4,32,27,67,536 20 years treasury bonds 5 ,95 ,47 ,94 ,423 5,56,38,94,056 26,59,51,91,027 28 ,44 ,59 ,07 ,198 Prize bonds 61,3s,200 71,43,400 32,0s,86,83,227 28,86,66,85,498 off-shore banking unit 32,05,A6,83,221 ____?9E9E9E!/98

6.2 Other investments Conventional banking Bonds Jamuna Bank Limited subordinated bond 30,00,00,000 30,00,00,000 AB Bank Limited subordinated bond 1,70,00,00,000 1,70,00,00,000 Best Holdings Limited corporate bond 1,00,00,00,000 1,00,00,00,000 UCBL subordinate bond 12,00,00,000 16,00,00,000 3 1 00 00 00 3 16 00 0 000 Investment in shares 2,36 ,7 2,89 ,890 1,95,86,07,842 Less; Provision for investment fluctuation in shares (Note-6.3) 60 93 7 933 51 0 8 591 75 79 1 957 1 44 45 99 251 4 87 79 957 4 ,60 ,4s ,99 ,251 Off-shore banking unit !' H,O 87 79 957 ____!pfrEE!_ FAD 14 30 September 2019 31 December 2018 Taka T3Ia 6.3 Provision for investment fluctuation in shares Opening balance 51,40,08,591 32,33,47,799 Add: Provision made for the period ended 13,30,56,793 18,50,67,093 Add: Amount made during rest of the year 55,93,699 Less: Amount adjusted for the period ended (No longer required) (3 ,77 ,37 ,451) Closinq balance --G0;9r,rr93T 51,40,08,591

6.3 (a) Consolldat€d provlslon for Investment fluctuation in shares charged to P/L

NCC Bank Limited (Note-6.3 ) 1 ,30,56,79 18,50,67,093 NCCB Securities and Financial Services Limited for the period ended 50,97,482 NCCB Securities and Financial Services Limited rest of the year NCCB Capital Limited

6 (a ) Consolidated investments Government securities

NCC Bank Limited- (Note-6.1) 32,0s ,86 ,83 ,227 28,86,66,85,498 NCCB Securities and Financial Services Limited NCCB Capital Limited 32,05,86,83,227 28,86,66,85,498 Other investments

NCC Bank Limited-(Note-6.2) 4 ,87 ,79 ,6t ,957 4 ,60 ,45 ,99 ,2s1 NCCB Securities and Financial Services Limited 21,35 ,25 ,345 20,22 ,88,330 NCCB Capital Limited 5,09,14,87,302 4,80,68,87,581 37,15,01,70,529 33,67,35,73,079 7 Loans and Advances

Loans, Cash Credits, Overdrafts etc.(Note-7.1) 1,7 0,56,41,40,728 1,68,14 ,60,4s ,295 Bills Purchased and Discounted (Note-7.2) 5 ,44 ,05 ,67 ,243 5,72,07.43.760 __Lfspa1,B1E1_t __IZLEE 6ZA.9pEs 7.1 Loans, cash credits. overdrafts etc. Inside Bangladesh Colventional banking Loan - qeneral 24 ,t3 ,99 ,468 23,88,06,151 Loan aaainst imoorted merchandise (LIM) 9,02,69,551 8.88.61.064 Loan aqainst trust receipt (LTR) 13,92,78,7 8,854 11,98,91,12,608 Loan aqainst packinq credit 34 ,78,49 ,996 49,05,18,601 Secured overdraft 38 ,66,72,7 6 ,592 38,31,82,7 2,157 Cash credit 27,03,0t,16,799 27,31,67 ,61,s47 Forced loan 1,30,62,24,839 7 5 ,Ll,51,481 Demand loan 40,65,582 2,25,42,834 Transport loan 89,56,97,315 81,67,38,600 Lease flnance 3,13,95,00,055 3,06,26,48,616 Payment against document 81,92,86,806 7 2,95 ,O2 ,039 House buildinq loan 5,31,34,97,647 5,37,47,18,666 Project loan 5,O3,73,718 s,03,73,t43 Personal loan 24,47,t7,878 11,52,47,916 Consumer loan 59,17,01,s35 54,38,27,30t Aqricultural credit 4,33,53,68,211 t,23,24,68,925 Small business loan 57,68,5s,369 60,07,60,3t2 Term loan 43,39,88,20,853 43,03,00,95,629 Staff loan 78,25 ,7 6,864 73,71,88,9ss BB Special RSC loan 29 ,t6 ,68,755 Credit card 45 ,86 ,82,290 4s ,09 ,49 ,965 Car loan 16,31,44 ,346 17,18,40,351 Short term loan 11,41,13,86.019 17,85,51,09,862 ExDort loan 65,85,021 71,90,389 'l'ime loan 12,47 ,91 ,39 ,160 11,48,54 ,21 ,820 Loan aqainst financial inclusion 37,84,300 39,94,836 Education loan 12,O9,745 12,84,406 EDF 3,98,50.63,162 2,66,06,57,120 r,70,56,4r,40,728 1,68,t4,60,45,295 Off-shore banking unit 1,70,56.41.40.728 1 ,68 ,14 ,60,45 ,295 outside Bangladesh Conventional bankinq a omo Otf-shore banking unit v uo _J,2985A7,49,72F- fAD -J,6I14.O015.29L 15 30 September 2019 31 December 2018 Taka Taka 7.2 Eills purchased and discounted Inside Bangladesh Conventional banking Inland bills purchased Local documentary bills purchased 2 .12 .27 .09 .487 2 .11 .94 .29 .7 20 2,t2,27,09,487 2,1r,94 ,29 ,7 20 Off-shore banking unit 2,t2,27,O9,487 2 11 94 29 720 outside Bangladesh Conventional banking Foreign bills purchased Foreign documentary bills purchased I ,96 ,7 4 ,72 ,7 37 2,44 ,89 ,61 ,131 | ,96 ,7 4 ,72,7 37 2,44.89.61.131 Off-shore banking unit Foreign bills purchased Foreign documentary bills purchased 3,09,75,82,926 3,30,88,30,910 3 ,09 ,7 5 ,82 ,926 3,30,88,30,910 5,06,50,55,663 5,75,77,92,041 Less: inter transaction between OBU and conventional banking (r,74,71,97,907) (2,ts ,64 ,7I ,002) 3,31,78,57,756 3,60,13,14,039 5 ,44 ,05 ,67 ,243 5,72,07,43,760 __1JS,99.g,UEZJ_ __!,2186,.6299,p55_ 7.3 Loans and advances including bills purchased and discounted classified into the followinq broad cateqories In Bangladesh

Loans t ,7 0,23 ,24 ,7 1 ,708 1,67,81,83,78,080 Cash credit 9,02,69,s51 8,88,61,064 Overdraft 24,13,99,468 23,88,06,1s1 Bills purchased & discounted 2 1 27 09 87 2 11 72 1,7 15 t,7 ,015 Outside Bangladesh (Bills purchased & discounted) 3,31,78,57,756 3,60,t3,14,039 -r,-iEfrfrfrfrr- --i7rFF,67F 63r 7,4 Classification of loans and advances Unclassified standard (includinq staff loans) 1,65,51,70,38,280 1,63,58,3r,77,43s Unclassified special mention account 33,00,36,597 t9,t7,26,990 Sub-standard 64 ,64 ,99 ,49t 92,9s ,39 ,237 Doubtful 35 ,38,70 ,424 28,62,51 ,457 Bad/Loss 9 15 7 63 179 B 87 60 93 936

7,5 Particulars of required provision for loans and advances Status B.se rorprovision Rate (o/o) A. General Provision Conventional banking x un-classified loans and advances L,62,41 ,94 ,55 ,354 Various 1,37,93,55,383 1,77,88,28,775 Special mention account 33,00,36,597 do 33,s9,212 20,L3,320 t,62,7 t,38,27,14,595 1,7I ,08,42,095 Off-shore banking unit --[fifi-/674frT3,09,75,82,926 lo/o @_ 3,09,75,829i,-rt5',r67or 3,30,88,309 Base for provisior Rate (o/o) B, specific provision Conventional banking Sub-standard-general 28,1r,72,388 20o/o 5,62,34,478 7,7 ,60,574 Sub-standard-agricultural 3t,87,2t7 5o/o 1,59,361 51,592 DoubtfuFgeneral 12,36,00,252 500/o 6,18,00,126 4,43,83,332 Doubtf ul-agricultural 13,22,748 5o/o 66,137 2,10,261, Bad/ Loss 5 ,04 ,06,25 ,7 29 100% 5 ,04 ,06,25 ,7 29 3 53 00 89 5 99 08 334 15,88.85,831 3 65 24 Off-shore banking unit Specific provision Sub-standard 20o/o Doubtful 50o/o Bad/ Loss 100%

s,4Lp_&;E1_ ----l;i5,8=&s-tBf- 3 ,6s,24 ,94 ,842 Required provision for loahs and advances as pet mentioned above 6,57,25,76,255 s,46,64,25,246 Required provision for loans & advances against whlah writ p€tition pending (Bangladesh Bank lefter no. DBI-I ll22l2OL7-r2A4 a'ld DZI'L lL22l2Ot9-42O) 74t7Ot52,945 56,45,00,O00 tr Total provision maintained (Note 12.6 ) v fi 7 31 95 29 200 6,O3,O9,23,246 Excess /(short) provision H.O fAD 16 30 Seotember 2019 3r. December 2018 Taka Taka Particulars of required provision on off -balance sheet exposures conventional banking Base for rovrsron Rate lo/o Acceptance and endorsements 26,69,13,89,890 26,69 ,13 ,899 24 ,43,72,016 Letter of guarantee 33,35 ,19 ,40,197 33 ,35 ,19 ,402 28,87,72,154 Letter of credit 22,15 ,69 ,84 ,s26 22 ,15 ,69 ,445 22 ,7 4 ,44,413 * Bills for collection 14 ,57 ,65 ,56t Others 1,19,58,453 1,19,585 21,163 82,35 ,80,38,627 82,21, ,22,7 3t 76 06 09 746 Off-shore banking unit Required provision for off -balance sheet exposure 82,21,22,731 7 6 ,06,09 ,7 46 Total provision maintained (Note 12.7) 82 ,21 ,22,731 76 06 09 746 Excess/ (short) provision * No Provision is required against bills for collection as per BRPD circular no- 07 dated 2l June 2018. 7 (a) Consolidated loans and advances Loans, cash credits, overdrafts etc.

NCC Bank Limited (Note-7.1) 1,7O,56 ,41,4O,7 28 1 ,68,14 ,60 ,45,295 NCCB Securities and Financial Services Limited 4,17,58,79,189 4,39,88,09,263 NCCB Capital Limited

1 ,7 4 ,7 4 ,00 ,19 ,917 1 ,7 2,54 ,48,54 ,558 Less I Inter company transactions (t,27 ,07 ,58,902) (l ,39 ,56 ,52,435\ t,73,46,92,6r,0l5 L,7L,L4,92,02,L23 Bills purchased and discounted NCC Bank Limited (Note-7,z) 5,44,05,67,243 5,72,07,43,760 NCCB Securities and Financial Services Limited NCCB Capital Limited 5 ,44 ,05 ,67 ,243 5,72,07,43,160 Less : Inter company transactions 5 ,44 ,05 ,67 ,243 5,72,07,43,760 __lz9D9p&2&2Eg __!2-O86p9dtgg3_ 8 Fixed assets including premises, furniture and fixtures Conventional bankinq (Note-8.1) 2,67,9t,tl,566 2,61,7 t,32,566 Off-shore banking unit (Note-8.2) ____2EZELIL!66_ ____LE2!B2ESS_ 8,1 Fixed assets including premises, furniture and fixtures Conventional banking Cost/valuation Land 45 ,t9 ,06,672 4s ,19 ,06,67 2 Buildings & office premises 1,36,88,43,943 1,36,88,43,943 Furniture and fixtures 88,29,85,654 79 ,68,86,046 Machinery and equipment 98,t9,97,873 92,27,98,91.0 Computer equipment 66,53 ,96,708 56,57,79,928 Vehicles 15,40,31,550 15,40,31,550 Work in progress 4s,00,000 Total Cost / valuation 4,5O,5,.,62,4Ot 4,26,47,47 ,O49 Less; Accumulated depreciation (1,82,60,50,83s) (1,64 ,7 6,14 ,484) Net book value ____2,6'Z L ESS- ----2ELZJE:2E66_ 8.2 off-shore banking unit

8(a) Consolidated fixed assets including premises, furniture and fixture

NCC Bank Limited (Note-8) 2,67,91,11,566 2,6 j. ,7 r ,32,566 NCCB Securities and Financial Services Limited t,o9,67 ,673 1,12,62,205 NCCB Capital Limited ____zpi9Je.23e_ 2,62,43,94,770 9 Other assets Conventional banking (Note-9,1) 11,09,39,07,564 8,45 ,75,32,004 Off-shore banking unit 5,55,48,253 1r,14 ,94 ,55 ,817 8,45,75,32,004 cort Less: Inter transaction between OBU and conventional banki & 3 66 90 726 (3,68,03,490) H.O 11 1 27 5 _____geE-&E13 FAD -q l/ 17 i 30 S€ptember 2019 31 December 2018 IaIa Taka 9,1 Co[ventionalbanking Income generating other assets Investment in subsidiaries In Bangladesh NCCB Securities and Financial Services Limited 1,99,99,99,900 1,99,99,99,900 NCCB Capital Limited 24,99,99,900 24 ,99 ,99 ,900 2,24,99,99,800 2,24 ,99 ,99 ,800 Outside Bangladesh 2,24 ,99 ,99 ,800 2,24 ,99 ,99 ,800 Non-income generating other assets Stationery in hand 3,69,31,706 4,01,53,561 Stamps in hand 45,97,518 40,96,829 Security deposits 63,93,972 45,98,424 Advance against rent 19,96,62,603 15 ,69 ,29 ,t46 Software 3,24,19,831 3,12,67 ,t64 Commission receivable 6,00,000 Prepaid expenses 1,85,00,000 57,36,939 Receivable aqainst sale proceeds of shares 1,86,68,935 46,8t,283 Suspense account 20,18,08,032 15,38,55,033 Interest receivable 1,0s,06,40,303 7 s ,63,62,600 Dividend receivable 2,02,36,571 Advance corporate tax 5 ,79 ,68,68,364 4,64,07,lt,467 Others 1,47,74,16,501 38,83.03.187 8,84,39,07,764 6,20 ,7 5 ,32,204 __Jr,o9l9.0zt5!L _____3a5J5.32AAL 9(a) Consolidated otherAssets NCC Bank Limited (Note-g) t1,11,27,65,09t 8,42,07,28,513 Lessr Investment in NCCB Securities and Financial Services Limited (Note-g.1) (1,99,99,99,900) (1,99,99,99,900) Less: Investment in NCCB Capital Limited (Note 9.1) r24.99.99.900) r24.99.99.900)

NCCB Securities and Financial Services Limited 39,28,s8,s35 31,98,37,452 NCCB Capital Limited 39.80.1s.31s 32,49 ,94 ,232 9 ,26 ,07 ,80 ,606 6,49,57 ,22,945 Less: Inter company transactions

10 Borrowing from other banks, financial institutions and agents Subordinated Bonds (t{ote- 10.1) 4,00,00,00,000 4,00,00,00,000 Other Borrowinqs (Note-10.2) 9,63,78,s1,s64 9.38.33.30.906 13.53_74.51.564 13.38.33.30.906 10,1 Non-Convertible Subordinated Bonds NCC Bank Non-Convertible Subordinated Bonds Agrani Bank Limited 50,00,00,000 s0,00,00,000 Rupali Bank Limited 1,00,00,00,000 1,00,00,00,000 Sonali Bank Limited s0,00,00,000 50,00,00,000 United Commercial Bank Limited 2,00,00,00.000 2,00,00,00,000 4,00,00,00,000 4,00,0 0,00,000 10.2 Other Borrowings Conventional banking 8,32,24,92,r29 8,33,18,36,662 Off-shore banking unit 3.09.69.85.469 3 ,25 .67 ,2r ,962 tL,41,94,71,598 11,58,85,58,624 Less: inter transaction between OBU and conventional banking (r,78,16,26,O34) (2,20.s2.27.7t8\ 9,63,7A,5L564 9,38, 33,30,906 10 (a) Consolidated borrowing from other banks, financial institutions and agents Subordinated Bonds NCC Bank Limited (Note-10.1) 4,00,00,00,000 4,00,00,00,000 NCCB Securities and Financial Services Limited NCCB Capital Limited 4,00,00,00,000 4,00,00,00,000 Lessr Inter company transactions 4,00,00,00,000 4,00,00,00,000 Other Borrowings NCC Bank Limited (Note-10.2) 9 ,63 ,7 8,51 ,564 9,38,33,30,906 NCCB Securities and Financial Services Limited 1 ,31,18,7 6 ,979 t ,49 ,6s ,63 ,520 NCCB Capital Limited 10 ,94 ,97 ,28,543 10,87,98,94,426 Less: inter company transactions (r,27,07,58,902\ (1,39,sp.52.43s) 9 67 89 69 641 9,48,42,41,99L {3 I ---1i,!3/2AlE9r 18 .c 30 September 2019 31 December 2018 Taka Taka 11 Current deposits and other accounts Current deposits 11,33,26,84,553 t0,47,90,88,294 Sundry deposits 9,69.68,16,801 7 ,97 ,62,42,22L 2t,02,95,O1,354 18,45,53,30,515 Saving deposiE 22,10,16,27,122 22,25,85,59,221 Fixed deposits 95,65,rO,22,O1t 87,02,rt,36,409 Other Time deposits Special notice deposiLs t8,40,62,42,88t 24,25,83,32,186 Special saYings scheme 24,08,19,10.609 25 ,7 r ,94 ,t2,954 Special deposit scheme 5,65 ,12,86,s71 2,68,23,60,9s2 luloney double program 4 ,49 ,9L ,94 ,574 5 ,64 ,22 ,44 ,t05 l,loney triple program 8s,30,9s,412 85 ,43,7 1,281 FC term deposits 82,24,L7,278 8,00,40,677 54,31,41,47 ,325 s9,23,67,62,1ss Bills Payable Payment order (issued) 3,86,00,6s,0s9 4 ,36,7 L ,05 ,660 Demand draft 47 ,45,398 48,51,703 3,86,48,10,457 4 37 19 57 363 --!.'e,0J6.!!J8.29L -181,i4,il,!5-563- 11.1 (a) Demand deposits From other banks 43,58,514 L3,32,957 Other than banks 26.47.90.99.737 24 .82.92.25 .251. 26.88,34,s8,2s1 24,83,0s,s8,208 (b) Other deposits Deposit from Banks In fixed deposits accounts 6,06,28.00,000 10.53,00,00,000 In other accounts 4.64.46.479 13.93.26.501 6,to,92,46,479 10,66,93,26.s01 Other than banks 1.63,96,84.03.s68 1.55,84,38,60.954 1 70 07 76 50 047 66 51 31 87 455 1.96.96.11.08.298 1.91.34.37.45.663 ll,2 Deposits and other accounts Conventional banking (Note-11) Off-shore banking unit

11 (a) Consolidated deposits and other accounts Current deposits and other accounts NCC Bank Limited (Note-11) 2t ,o2,95 ,01 ,354 18,45,53,30,515 NCCB Securities and Financial Services Limited 20,99,70,367 21 ,21 ,20 ,927 NCCB Capital Limited 21, ,23 ,94 ,7 I ,7 21 18 ,66,7 4 ,51,442 Less: Inter company transactions (41,54,49,080) (33,06,39,616) 20 ,82 ,40 ,22,641 18,33,68,11,826 Bills payable NCC Bank Limited (Note-11) 4,37,L9,57,363 NCCB Securities and Financial Services Limited NCCB Caoital Limited 3 86 48 10 457 Savings bank deposits NCC Bank Limited (Note-11) 6,27,122 NCCB Securities and Financial Services Limited NCCB Capital Limited ,27,122 5 Fixed deposits NCC Bank Limited (Note-l1) ,1,1,36,449 NCCB Securities and Financial Services Limited NCCB Capital Limited 87,02,t1,36 Term deposits NCC Bank Limited (Note-ll) NCCB Securities and Financial Services Limited NCCB Caoital Limited 54 31 41 47

L2 Other liabilities Conventional banking (Note-12.1) 24 ,27 ,49 ,88 ,021 18,07,92,07 ,741 off-shore banking unit (Note-12.6 (c)) 3,09,75,829 3,30,88,309 Interest payable of off-shore banking unit 4.A1.97 .909 4.A9.46.253 24 ,35 ,41,6t ,7 59 r8,L6,12,42,303 Less: Inter transaction between OBU and conventional banking coln,r 3 66 9 (3,68,03,490) '):---Zilr!il!jJj- 18,12,/r4,38,813 g X"t" 19 30 September 2019 31 December 2018 Taka Taka t2,t Conventional banking Other liabilities Interest payable 5 ,20,43 ,26,312 ! ,82,96,46,365 Excise duty 97,60,855 15,47,L8,840 Liability for expenses 4,47 ,r2,737 4,32,t4,5t4 Bonus payable 3,28,18,814 24 ,14 ,68,4t5 Audit fee payable 4,31,250 3,45,000 Withholding tax payable 19 ,7O,54 ,677 t2,89,74,268 Inter branch transadion account 34 ,04 ,t7 ,625 60,7 L,83 ,7 66 Withholding VAT Payable 10,7 6,81 ,102 23,03,85,431 Reserve for unforeseen loss 1,93,53,200 Provision for other assets (Note 12,2) 8,52,92,108 5,72,80,310 Provision for income tax (Note 12.3) 7,80,95,63,389 5,83,51,98,491 Deferred tax liabilities/(assets) (Note 12.5) 28,97,85,297 35,18,45,028 Provision for loans and advances (Note 12.6 ) 7,28,86,53,372 5 ,99 ,78,36,937 Provision on off balance sheet items (Note-12.7) 82,2t,22,731 7 6,06,09 ,746 Interest suspense account (Note 12.8 ) ! ,9t ,6t ,48,247 t,6s,8s,20,201 Contribution to NCC Bank Foundation (Note-12.9) 3,61,19,504 3,25,27,229 Provision for gratuity (Note-12.10) 9,00,00,000 13,00.00,000 Provision for nostro accounts (Note-12.11) 1,00,000 1,00,000 24,27,49.44.Ozt 18,07 ,92.07 .7 4t t2.2 Provision for other assets: opening balance 5,72,80,310 5,94,67 ,483 Add: Provisions made for the period ended 2,80,Ll,798 27,50,765 Add: Provisions made during the rest of the year Lessi Provisions no longer required for the period ended Lessr Provisions no longer required for rest of the year (49,37.938) Closing balance 8,52,92,r08 ______52240J-1-0 t2.3 Provision for income tax: Opening balance 5 3 51 98 491 4 12 04 I4 595 period Add: Provision made for current tax for the ended 1, ,97 ,43 ,64 ,898 1,47,63,69,30s Add: Provision made for current tax during rest of the year 84 t4 591 1,97,43,U,898 1.71.47.83.896 7,80,95,63,389 5,83.51,98,491 Less: Adiusted during the period ended Closing balance 7.40.95.63.349 5.83.51.94.491 12.4 Consolidated provision for income tax: Opening balance 6.00,t7,70,034 4,27,4t,34,t70 Add : Provision made for NCC Bank Limited for the period ended 1,97,43,64,898 1,47,63,69,305 Add : Provision made for NCC Bank Limited for rest of the year 23,84 ,r4 ,591 Add : Provision made for NCCBSFSL for the period ended 1,15.45,086 75,36,148 Add : Provision made for NCCBSFSL for rest of the year 53,15.819 Add : Proyision made for NCCB Capital Limited,

1.98.59.09.984 1 .7 2.7 6 .3s .863 Lessr Adiusted durino the Deriod ended Closing balance 7.98.75.80.018 ____.6JJo;11,19,0i4_ 12.5 Deferred tax A. Deferred tax liabilities Particulars of liabilities As Der carryino As per tax base Taxable temDorarv Revaluation portion of land 32,00,83,348 32,00,83,348 Revaluation portion of buildinq 12,t5 ,55,072 12,15,55,072 Buildinq/Office premises 1,03,09,29,354 50 .67 .24 .547 52.42.04.807 Machinery & equipment 32,58,05,620 21.91.66.059 10.66.39.561 Comouter eouiDment 23,99,74,626 13.39.56.582 10 .60.22 .044 Local software 3.24,19,831 1.36.87.164 r.B7 .32.067 Vehicle 3,43,67,425 3.11 .37 .973 26.29.452 Accrued interest on Govt. securities s3,92,28,984 53.92.28.984 Total 2,64,43,68,261 90,52,72,925 1,73,90,95,336 Rate Applicable Rate Deferred tax liabilities 59,32,24,O42 Openinq balance 62,16,36,889 61,15,86,203 Add: Provision for revaluation reserve on land 62,16,36 ,849 61,15,86,203 Lessr Reverse provision for revaluation on land & buildinq (31,76,3s3) 62,16,36,889 60,84,09,850 Addition durinq the period ended 2,32,27,3t5 Addition durinq the rest of the year colr 62,16.36,889 63,16,37,1_65 Adjustment made during the period ended/year ended (2,84,08,846) Adjustment made during the rest of the year uo (1,00,00,276) Closing balance F AD 59 3 28 o42 62,16,36,889 20 30 September 2019 31 December 2018 Taka Taka B, Deferred tax (assets)

As per carrying Deductible t€mporary Particulars of assets As per tax base value difference

Furniture and fixtures 47 ,45 ,68 ,796 49 ,90,29 ,407 (2.44.60.611\ Provision for investment fluctuation in shares 93 933 (60.93.27.933) Provision for oratuitv :9,00,00,000) (9.00.00.000) Provision for other assets & provision for nostro accounts (8,53,92,108) (8.53.92.108) Total (31,01,51,245) 49,90,29,407 (80,9r,80,552) Rate Applicable Rate Deferred tax assets 30,34,42,745

ODeninq balance 26 ,97 ,91 ,461 18,99,73,605 Addition durinq the Deriod ended 3,36,50,884 5,19,51,939 Addition durinq the rest of the year 2.74.66.317 10 14 4) 74\ 25 97 g1 861 Adiustment made during the period ended Closing balance 30,34,42,745 26,97,9L461 t{et deferred tax (assets)/liabilities (A-B) ------28AL8LIE L ------35;18,45!O2L 12.5,1 Net deferred tax (income)/ expense charged to P/L for period ended ______ts&EJ39L ______J2E-4,624)_ l{et dcferred tax (income)/ expense charged to P/L for rest of the year _____ilzg,66.593l 12.6 Provision for loans and advances a) Movement in specific provision on classified loans and advances Opening balance 4,2L,69,94,842 3 ,85 ,34 ,41,452 Less: Debt written offlwaiver allowed during the period ended (7 ,17 ,42,845) (7,35,94,160) Less; Debt written offlwaiver allowed during the rest of the year (1,22,3O,7 2,078) Add: Recoveries of amount previously written off the period ended 2,07,52,051 67 ,14,643 Add: Recoveries of amount previously written off during the rest of the year 1,01,89,474 Net charged to profit and loss account for the period ended | ,7 3 ,99 ,34 ,7 28 1,04,18,38,165 Net charged to profit and loss account for rest of the year 60 ,14 ,77 ,346 Closing balance 5 90 59 38 777 4 ,21,69 ,94 ,842 b) Movement in general provision on unclassified loans and advances Conventional BankinE Opening balance 1 ,78,08,42,095 1,O9,39,56,432 Add: Provision made or (adjusted)/net charge in profit and loss account for period ended (39,81,27,s00) 16,69 ,44 ,610 Add: Provision made/net charge in profit and loss account for rest of the year 51,99,41,053 Closing balance t,38,27,14,595 1,78,08,42,095 Total (a + b) __J,29,95,tidlL 5,99,74,36,937

c) Provision for Off-Shore Banking Unit Opening balance 3,30,88,309 4,91,t8,199 Add: Provision made/oet charge in profit and loss account For period ended Addi Provision made/net charge in profit and loss account for rest of the year 56,73,s90 Less: Adjustment during the period ended (21,12,480) (2,17,03,480) Closing balance 3,09,75,829 3,30,88,309 Total(a+b+c) ____J,3LESE),29L_ ____s,8,99,8245_ 12.6.1 consolidated provision for loans and advarces charged to profit and loss account a) Specific provision on classified loans and advances NCC Bank Limited for the period ended 1 ,73 ,99 ,34 ,728 1,04,18,38,165 NCC Bank Limited for rest of the year 60,t4,77,346 NCCB Securities and Financial Services Limited for the period ended NCCB Securities and Financial Services Limited for rest of the year NCCB Capital Limited 1, 73 .99 .34 .7 28 1,64,33,15,511 b) Movement in general provision on un-classified loans and advances

NCC Bank Limited for the period ended (39,81,27,500) 16,69 ,44 ,610 NCC Bank Limited for the rest of the year 51,99,41,053 NCCB Securities and Financial Services Limited for the period ended NCCB Capital Limited (39,81,27,500) 68,68,85,663 Total (a + b) ___-),,ia,!9,9!,229_ 2,33,O2,O1,L74

12.7 Provision on off-balance sheet items Opening balance 7 6,06 ,09 ,746 54,35,59,458 Add: Provision made for period ended 6,15,12,985 24 ,83 ,95,373 Add: Provision made for rest of the year !' (3,13,45,085) Adiusted during the period ended e ra.o Closing balance ,) r lP 76,06tog,746 ,o\ 21 N1. 30 September 2019 31 December 2018 Taka Taka 12.8 fnterest suspense account

Opening balance 1,6s,8s,20,201 1 ,71,09 ,35,221 Add: Amount transferred durinq the Deriod ended 53.95.68.767 35.61.28.230 Add; Amount transferred during the rest of the year 28,22,35,898 Less: Amount recovered during the period ended (26,75,77,377) (18,92.81,382) Less: Amount recovered durinq the rest of the year (9,88,78,433) Less: Amount written offlwaived durinq the oeriod ended (1.43.63.345) @.1r35.871\ Less: Amount wriften offlwaived durinq the rest of the year (35 ,54 ,83 ,462) Closing balance _____19:L,St&247_ 1,65,85,20,201 12.9 Contribution to NCC Bank's CSR Fund Opening balance 3,25,27,229 1,68,42,229 Add: Contribution for the period ended 75,00,000 75,00,000 Add: Contribution for rest of the year 2,75,00,000 4,00,27 ,229 5,t8,42,229 Less : Adjusted during the period ended (39,07 ,72s) (1,92,s7,s00) Less : Adjusted during rest of the year (57,500) Closing balance 3,61,19,504 3,2s,27,229 12.10 Provision for gratuity Opening balance 13.00,00,000 7.50,00,000 Add: Provision made for period ended 9,00,00.000 6,00.00,000 Add: Provision made for rest of the year 7,00,00,000 Less: Adjusted/transferred to fund (13.00.00.000) (7,50,00,000) Closing balance ______lJtuxut0tL __ltLoonoJDl 12.11 Provision for nostro accounts Opening balance 1,00,000 1,00,000 Add: Provision made during the period ended Closing balance ______L00.o00______L00000_ 12(a) Consolidated other liabilities

NCC Bank Limited (Note-14) 24 ,31,7 4 ,7 t ,033 t8,t2,44 ,38,8t3 NCCB Securities and Financial Services Limited L ,37 ,62,t0 ,31s 1,35,92,7 5 ,449 NCCB Capital Limited 51.79.780 51,92,280 25,69,88,61,128 19,48,89,06,s42 Lessr Inter company transadions ___2i.69AE6Ll2E_ __I9JEA9.O5E12_ l3 Share capital 13.1 Authorized share capital 2,000,000,000 ordinary shares @ of Tk. 10 each 20,00,00,00,000 20,00,00,00,000 13.2 Issued, subscribed and fully paid-up capital 39,000,000 Ordinary shares of Tk 10 each issued for cash 39,00,00,000 39,00,00,000 743,895,333 Ordinary shares of Tk 10 each issued as bonus 7,43,89,53,330 6,99 ,73 ,44 ,330 144.483.570 Ordinary shares of Tk 10 each issued as rioht share in Cash r,44 ,48,35 ,7 00 1,44 ,48,35 ,700 927,378,903 Ordinary shares oF Tk 10 each 9,27 ,37,49,O30 _____9d321d9p3.0 13.3 Non-controlling (Minority) interest Opening balance 209 209 Profit/(loss) attributable during the period ended (1) Profit/(loss) attributable during rest of the year 1 Closing balance 209 209 t4 statutory reserve Opening balance 7,23,80,30,10s 6 ,s4 ,s2,23 ,669 Addition during the period ended (20% of pre-tax profit) 7 6,54 ,82,564 s9,90,66,136 Addition during the rest of the year (20% of pre-tax profit) 9 37 40 300 Closing balance 8,00,35,12,669 ____l23EpJ.q&E_ 15 Genelal leserve opening balance 1,01,62,344 1,01,62,348 Addition during the period ended Closing balance ______1p182;$______l9il02iu8_ l6 Other rcserves including assets revaluation reserve Assets revaluation reserye on land and building (Note - 16,1) 33 ,49 ,56,722 33 ,64 ,08,414 Revaluation reserve on Govt. securities (Note - 16.2) 14 ,94 ,46,599 13 17 2 04 48.44.O3.321 ______lcal.lozrl 16.1 Assets revaluation reserve on land and building Opening balance 33,64,08,414 33,52,17,28t Less: Depreciation on revalued amount transferred to retained earnings 14,5t,693 9,92,610 9,92,610 Lessi Dep. on rev. amt. tran. to retained earnings during rest of the $ Cr 33 ,49 ,56,7 22 33,32,32,061 Add: Reverse deferred tax on revaluation on land & buildinq H,C) lt 31.76,3s3 Closing balance FAD 33 6 722 33,.64pE1!4 22 ')i ..( 30 S€otember 2019 31 Decembe. 2018 Taka Taka 16.2 Revaluation reserve on Govt. securities (treasury bills & bonds) Opening balance t3 ,17 ,02,304 19,83,00,4ss Add: addition during the year 4 22 241 6 75 720 Held to maturity (HTN4 ) 6,75,720 Held for trading (HFf) 4 22 241 Less: adjusted during the year 2 44 946 6 72 73 871 Held to maturity (HTf4 ) Held for trading (HFr) 2 44 946 Closing balance 14t94,46,599 L3,17,O2,3O4 t7 Foreign currency trarslation gain/(loss) Opening balance 2,42,3_40 \8,62,174 Add : Transfer/adjustment during the period ended 2,36,123 Add : Transfer/adjustment during the rest of the year (1,75,475) (18,55,957) Closing balance 66,86s 2,42,340 18 Surplus in profit and loss account

Retained earnings brought forward ( Note-l8.1 ) 24 ,46,65 ,7 50 28,65,468 Profit for the period ended 1,91,51,07,650 1 ,54 ,76,85 ,999 Profit for the rest of the year 26,81,53,500 Transfer to statutory reserve for the period ended (7 6,54 ,82,564\ (s9,90,66,136) Transfer to statutory reserve for rest of the year (9,37,40,300) 1 ,39 ,42,90,837 1.12,58,98,531 Depreciation on revalued amount of building transferred to retained earnings 14 51 693 19 85 221 _____tEEA2.s2e_ ___j,1228trEtE2 18(a) Consolidated surplus in profit and loss account Retained earning brought forward 36,50,93,195 11,39,01,690 Transferred from/(to) non-controlling (l.4inority) interest 1 Profit for the period ended 1,9t,88,57,3_52 1,54 ,19 ,94 ,230 Profit for the rest of the year 28,32,36,490 Transfer to statutory reserve for the period ended (7 6,54 ,82,564) (s9,90,66,136) Transfer to statutory reserve for rest of the year (9,37,40,300) t ,5t ,84 ,67 ,983 t ,24 ,63,25 ,97 5 Less: Non-controlling (l'linority) Interest 1,51,84,67,983 t,24 ,63,25 ,97 5 Dep. on revalued amount of building transferred to retained earninqs 14,51,693 19,85,221 t,51,99,19,67s 18.1 Retained earnings

Conventional banking 24 ,46,65 ,7 50 28,6s,468 Off-shore banking unit 24,46,65,750 24,65464 Retained earninEs Conventional Banking opening balance 1,05 ,98,83 ,792 1,10,36,56,461 Transferred from Off-shore Banking Unit 6,79,99,960 4 ,7 3 ,92 ,41.1 Bonus share transferred to paid-up capital (44,16,09,000) Cash dividend paid during the period ended (44,16,09,002) (1,14,81,83,404) Cash dividend paid during rest of the year Closing balance 24,46,65,750 ______2EEE/q9_ Off-shore banking unit Opening balance 6,79,99,960 4,73,92,411 Transferred to Conventional Banking Unit (6,79,99,960) 4 ,73 ,92,41t) Closing balance

18.2 Consolidated retained earnings Opening balance 1 ,24 ,83 ,11 ,196 I ,26,20,85 ,O_94 Bonus share transferred to paid-up capital (44,16,09,000) Cash dividend paid during the period ended (44,16,09,002) (1,14,81,83,404) Cash dividend paid durinq rest of the year Closing balance _____l6E9gU95------lri9JrE90 18,3 Consolidated foreign currency translation gain/(loss) NCC Bank Limited (Note-U ) r 66,865 2,42,340 NCCB Securities and Financial Services Limited H,O NCCB Capital Limited FAD 6 8 2,42,340 01January 0l January to to 30 September 30 September 2019 2018 Taka Taka 19 Interest income Conventional banking (Note-19.1) 15,07,70,48,856 L2,8L,7 4 ,62,031 Off-shore banking unit (Note-19.2) 14,81.28,012 1L,44 ,23,883 1s,22,51,76,868 12,93,18,85,914 Less: Inter transaction between OBU and conventional banking ---rs,r'gisrifr ffi 19.1 Conventional banking Interest on loans and advances Loan ( General) 27,55,175 99,04,110 Loan against imported merchandise 84,79,580 75,99,638 Loan aqainst trust receipts r,18,39,17,242 96,37,42,144 Loan against packing credit 2,55,67 ,883 2,33,27,r88 Secured overdraft 3,59 ,24 ,83,537 2,92,O7,73,741 Cash credit 2,31,96,L6,038 2,21,46,97,065 Forced loan fi,54,02,7t7 3,37,32,064 Demand Loan 21,82,703 7,80,590 Transport loan 8,62,14,822 6,85,10,577 Lease finance 29,05,12,481 24,13,89,596 Payment against documents 5,74,06,726 4,39,33,427 House buildinq loan 51,38,37,682 48,60 ,7 6,845 Personal loans 1,82,34,582 1,00,68,173 Consumer loan 1,48,73,374 1,44,70,072 Agricultural credit 17,00,47,406 8,78,11,837 Small business loan 4,34,80,342 5,45,52,958 Term loan 3,66,33,57,327 3,13,77,88,431 Staff loan 3,t7,t5,265 2,57,47,057 Credit card 4,92,00,834 s,28,23,s73 Car loan t,73,04,9L9 2,07,79,078 Short term loan 1,23 ,55 ,5s ,143 1 ,14 ,89 ,63,793 Export loan 1,49,61s OBU 4,74,t7,456 2,54,6t,970 llme loan 63,35,01,354 54,34,05,041 Education loan scheme 1,14,223 1,t7 ,382 Documentary bills purchased 22,48,69,262 15,71,85,091 EDF 4,16,64,473 2,30,24,961 14,39 ,03 ,12,545 12.31 ,68,16,018 Interest on balances with other banks and financial institutions Fixed deposits with other banks 45 ,1,4 .24 ,942 31,14 ,53,472 Banqladesh Bank foreiqn currency account 5,70,96,555 4,26,19,166 Financial institutions 8.85,07,317 4,65,77 ,167 I4oney at call & short notice 78,83,705 5,96,63,222 Foreiqn banks 8.18.23.794 4.03.32.985 68,67,36,312 50,06,46,013 L5,O7,70,44,456 12,4L74,62,O31 19.2 Off-shore banking unit L4,AL,2a,Ot2 Itt44,23,aA3 19(a) Consolidated interest income NCC Bank Limited (Note-19) 15,17,77 ,59,413 12,90 ,64 ,23 ,944 NCCB Securities and Financial Services Limited 9,94,22,769 10,00,31,810 NCCB Capital Limited

Less: Inter company transactions o0,77.64,282\ (11.80,31.129) 15.16,94,17.900 12.44.8,4.24.625 20 Interest paid on deposits and borrowings Conventional banking (Note-20.1) 10,3t ,62,56,465 I,89 ,6t ,48,423 Off-shore banking unit (Note-20.2) 10 29 05 456 7 23 90

(2,54 Less: Inter transaction between OBU and conventional banking 4 74 17 456 ----Ep4:8676F4s-,6r ,97 0\ 20.1 Conventional banking Interest paid on deposits and borrowings Savinqs deposiLs 40,92,51,510 Short notice deposits 82,27 ,s2,0ss 7 2,84 ,44 ,986 Fixed deposits 5.75,30,03,106 4 ,68,79 ,54 ,909 Special savinqs scheme 2,06,15 ,56 ,496 1.98,89,17,133 Special deposit scheme 25 ,60 ,77 ,430 \s ,59 ,03 ,622 Interest paid on borrowings 42,41,7 6 ,299 21 ,49 ,59 ,t24 Money double oroqram 47 ,35 ,13 ,485 63,30.46,0s2 Money triple program 8,32,02,966 7,39,74,601 Foreiqn currency deDosits C o 36.96.484 3 465 8,89,61,48,423 H.o 2O.2 Off-shore banking unit i.) r rrD 7,23,90,396 24 0l January 0l January to to 30 September 30 September 2019 2018 Taka Taka 20(a) Consolidated interest paid on depositsr borrowingsf etc. NCC Bank (Note-20) Limited 10,37,17,44,466 8,94 ,30,7 6,849 NCCB Securities and Financial Services Limited tl,o8,o7,224 11,80,31,129 NCCB Capital Limited 10,48,25,51,690 9,06,11,07,978 Less: Inter company transactions (r0.77,64,282) (11,80.31,129) _-_t 9az,az8z,4oa_ 4.94.30.75.449 2l Income from investments Interest on treasury bills 8,20,37,472 1,77,82,476 Interest on reverse repo s9,41,565 t2,65,676 Interest on treasury bonds 1 ,7 4 ,45 ,st,170 1,67,56,63,761 Interest on subordinated bonds t6,3L ,81 ,7 26 8,64,52,104 Interest on corporate bond 8,41,66,667 3,38,88,889 Interest on Bangladesh Bank bills 63,2s,112 Dividend on shares 3,86,79,497 5,57,66,162 Gain on sale of shares 3,60,67,840 4,78,07,549 Capital gain on sale of treasury bonds 12.31,96,359 29,67,80,412 2,27 ,78,22,295 2,22,17,32,t4t Less: Loss on Repo/sale/revaluation/amortization of securities (2 ,03,8s,687) (7,57,14,276\ _____2ps;b,3s.&e_ 2,t4,60,17.465 21(a) Consolidated income from investments

NCC Bank Limited (Note-2l) 2,06,74 ,36,608 2,14,60,Lt,865 NCCB securities and Financial Services Limited 1,02,50,609 1,88,40,085 NCCB Capital Limited 2,O7,76,87,217 2,t6,48,57,950 Lessi Inter company transactions 2,O7 ,76,87,2t7 -___zts/EEzEso._ 22 Commission, exchange and brokerage Commission Commission on bill purchased r,79,t0,337 1,57,50,911 Commission on remittances 2,80,9t,707 2,86,32,471 Commission on letter of guarantee 21,23,59,660 22,39,17 ,8t0 Commission on letter of credit 20,80,80,720 22,28,31 ,O52 Commission on sanchaypatra 1,50,528 2,64,209 Commission on acceptance 15.18,16,951 12,5s,06,454 Underwriting commission 28,34,695 28,20,745 Commission from national prize bonds 54,900 1.16.000 62,12,99,498 61,98,39,651 Exchange Exchange gain net off exchange losses 02 75 351 38 85 72 076 r,15,15,74.849 t,O0,a4,tt,727 22(a) Consolidated commission, exchange & brokerage NCC Bank (l{ote-22) Limited L ,15,15 ,7 4 ,849 I ,OO ,84 ,11 ,7 27 NCCB Securities and Financial Services Limited 6,76,29,786 5,77 ,02,712 NCCB Capital Limited 1 ,21,92,04 ,635 1,06,61,14,439 Less: Inter company transactions (33,1s,100) _____LAE2A4E35______1,9S,EELi:t9_ 23 Other operating income Rent locker 33,31,179 29,72,496 Rent godown 20,13,001 9,02,369 Postage, fax, swift etc. recoveries 6,26,30,993 4,55,68,489 Legal charge recoveries 14,31,536 rt,t7 ,57 t Service charges 9,r8,34,079 6,27,38,209 ATM transadion fees 15,r7,763 20,04,09s Account maintenance fees 5,29,84,393 5,04,80,963 Card fees & others 4,06,10,344 4 ,06,81. ,142 Gain on sale of fixed assets 69,44,757 Banking & clearing charge 3,09,65,535 2,83,54,777 Miscellaneous earnings t2,91,25,656 9,55,45,t7 | Application and processing fees 82,69,907 6r,21,424 col]la. $, ______3!,3!131d6!_

!) l"% 25 \t 01January 0l January to to 30 September 30 September 2019 2018 Taka Taka 23(a) Consolidated other operating income NCC Bank Limited (Note-23) 42,47 ,r4 386 34 ,34 ,31,461 NCCB Securities and Financial Services Limited 15,13,508 t5,34,765 NCCB Capital Limited ______12EEEE!_ 34,49,66,226 24 Salary & allowances Basic salary 81,83,03,986 75,97,12,381 House rent allowance 34,31,93,788 32,77,02,702 Bonus 20 ,52,09 ,143 18,15,27,500 Bank's contribution to provident fund 7,68,25,6M 7,29,27,462 Salary & allowances for OBU 29,04,s0s L9,26,O51 Gratuity 9,00,00,000 6,00,00,000 Other salary & allowances 46.29.27.78t 44 .18.16.146 1.99.93.64.4O7 _____1L4.55.L2242_ 24(a) Consolidated Salary & allowances NCC Bank Limited (Note-24) 1,99 ,93 ,64 ,807 r ,84 ,56,12,242 NCCB Securities and Financial Services Limited 2,80,26,736 2,76,80,s34 NCCB Capital Limited 2,02,73.9,..543 _____741,i2,92J75_ 25 Rent, taxes, insurance, electricity etc.

Office Rent 19,11,31.615 16.87.81.96s Rates and taxesl

Rates 5,42,511 4,65,547 Taxes 2,20,89,021 19,2L,073 ,26,31.532 B6 620 Insutance: Cash 36,09,644 58,95.511 Fixed Assets 16,55,602 13,13,029 Deposits 8,28,01,495 7 ,59,70,7 L2 L80,66,741 8 31 79 2s2

Electricity 5,58,23,764 4,99,40,882 ______3.!u.6,5:L6ii2______10,4L8&219_ 25(a) Consolidated rent, taxesr insurance. electricity etc. NCC Bank Limited (Note-25) 35 ,7 6,53 ,652 30 ,42,88 ,7 19 NCCB Securities and Financial Services Limited 1,00,00,306 97 ,91,9t9 NCCB Capital Limited 36.76.s3.9s8 ______r.40,40.538_ 26 Legal expenses

Legal charge 57 ,25,t78 86,7t,746 Stamp charge 1,28,518 1,64,960 Consultancy fee 29,57 ,655 7 ,73,t64 Credit rating fee 27,90,475 1,50,000 1.15.01.825 97.59.470 26 (a) Consolidated legal expenses NCC Bank Limited (Note-26) 1,16,01,825 97,59,870 NCCB Securities and Financial Services Limited NCCB Capital Limited 1.16.01.825 _--_----9219,820- 27 Postage, stamp and telecommunication Postaqe 91,16,526 69,68,4s2 Telex/swift/internet/ConnectiviW 3,11,23,250 3,34,84,27 t Telephone 44,81,840 s0,69,255 Postaqe (Off-shore bankinq unit) 50,030 ______aaz,zL,6t6._ 4.55.72.OO9 27(a) Consolidated postage. stamp and telecommunication NCC Bank Limited (Note-27) 4,47,2I,616 4,55,72,009 NCCB and Financial Limited Securities Services coII]r?? 1,24,908 1,79,899 NCCB Capital Limited it t' lf" ______L52,5u108_ ?lc s'. 26 01January 0l January to to 30 September 30 September 2019 2018 Taka Taka 28 Stationery, printing, advertisement etc. Printing and stationeryi Printed stationery 1,49,00,910 95,36,743 SecuriW stationery 76,t8,5r4 85,72,132 Petty stationery 1.18.95.091 98.45.145 3,44,15,5t4 2,79 ,54 ,021. Publiciw and advertisement 2 58 22 488 3,24,73,190 6.02.38.002 6.04.27.21O 28(a) Consolidated stationery, pritlting, advertisement etc. NCC Bank Limited (Note-28) 6,02.38,002 6,04,27,210 NCCB Securities and Financial Services Limited 2,75,648 3,68,661 NCCB Capital Limited ______-6,OI!JL550_ __-5,07-95;97l._ 29 Managing Director's salary & allowances Basic salary 49,50,000 46,01,613 House rent allowance 13,50.000 13,50,000 Bonus 11,55,000 11,00,000 Other allowances 22.50.000 22,50.000 ______9ZJl5-000_ 93,0 r,613 30 Director's fees & other meeting related expense Meeting fees 22,64,O00 21,16.000 Other meeting related expense 20,72,s33 13.95.591 43,36,s33 ______!!4.q9!_ Bank has paid Tk. 8,000/- per attendance per person as honorarium according to the BRPD circular no. 11 dated 04 October 2015, Other benefits include traveling expenses of directoB for attending meetings.

30(a) Consolidated Director's fees & other meeting related expense NCC Bank Limited (Note-30) 43,36,533 35,11,691 NCCB Securities and Financial Services Limited 1,6s,600 2,48,400 NCCB Capital Limited 4s.02.133 37-60.09r

31 Auditors'fees 4,31,250 2,54,750 3l(a) Consolidated auditors' fees NCC Bank Limited (Note-31) 4,3t,250 2,58,750 NCCB Securities and Financial Services Limited 30,188 30,188 NCCB Capital Limited ____r1..6r4t8______2J>E_ 32 Repairs, maintenance, amortization and depreciation

Repairs & maintenance : Repairs & maintenance of fixed assets 8,06,47,100 6,9s,81,97s Amortization of software 78,33,752 79,38,019 Renovation & maintenance of premises 2,46,90,3t5 1,88,13,638 11,3t ,7 1,167 9,63,33,632 Deprcciation : Furniture and fixtures 4,85,56,634 3,97,86,577 Machinery and equipment 5,83,68,193 6,01,81,699 Computer equipment 5,O4,84,634 3,84,24,103 Vehicles 1,29,62,s63 1,19,7t,623 Buildlnqs & office premises 2,20,2t,994 2,23,72,899 19 ,23 ,94 ,OtA 17 27 36 901 _____l0,E5Eq!95_ 26.90,70,533 32(a) Consolidated Repairs, maintenance, amortization and depreciation NCC Bank Limited (Note-32) 30,55,65,185 26,90 ,70,533 NCCB Securities and Financial Services Limited 20,62,198 NCCB Capital Limited ____30ts2,-3g,_ 27,14,22,492 33 Other expenses Conventional banking (Note-33.1) 25,89 ,24 ,790 28,72,82,305 Off-shore banking unit (Note-33.2) tr L 8 988 1 2At7 2,42t3O5 e H.o I FAD

27 ul January 0l January to to 30 September 30 September 2019 20tR Taka Taka 33.1 Conventional banking Entertainment 3,31,90,396 2,53,62,130 Car expenses 6,80,s4,274 6,45,96,341 Paper and periodicals tt,58,752 9,09,858 Trade subscription 88,04,768 1,37,02,941 Traveling & conveyance 2,49,10,346 2,34,93,331 Labour & other charges 23,62,597 17,98,526 LiYeries and uniform 22,10,696 16,12,241 Water sewerage and gas s2,38,684 46,06,030 Laundry and cleaning 15,18,698 11,65,s30 Training expenses 38,76,386 63,63,64t Business promotion 1,94,52,098 1,48,57,617 Donation 2,t9,84,199 7,65,09,013 Loss on sale of fixed assets 9,16,690 Welfare and recreation t,29,40,337 t4,46,000 Subordinated bond 3,45,000 Other bank charge 1,34,O2,570 t,31,44,249 Miscellaneous expenses 8,76,534 27,3t,490 Credit card service charge 1,99,62,145 1,69,35,962 CDBL charge 4,69,618 47,405 Superannuation fund 1,72,50,003 1 80 00 000 25,49,24,790 24,72,42,305 33.2 Off-shore banking unit 8,988 33(a) Consolidated other expenses

NCC Bank Limited (Note-33) 25 ,49 ,33,77I 28,72,82,305 NCCB Securities and Financial Services Limited 1,20,27,s01 t,24,84,I32 NCCB Capital Limited 1,57 s 690 27 ,09,62,854 29,97,67,127 Lessr Inter company transactions (33,15,100) -----J?n9,62f,EL 29,64,52,O27 30 S€ptember 2019 31 December 2018 Taka Taka 34 Composition of shareholders' equity Paid up capital 9,27,37,89,030 8,83,21,80,030 Statutory reserve 8,00,35,12,669 7,23,80,30,105 General reserve r,0L,62,348 1,01,62,348 Other reserve including assets revaluation reserve 48,44,03,32t 46,81,10,718 Foreign currency translation gain/(loss) 66,86s 2,42,340 Surplus in profit and loss account 1.39.57.42.529 1,.12.78.83 .7 52 19,t6,76,76,762 L7,67,66,09,293 Break-up of paid-up capital 39,000,000 Ordinary shares of Tk 10 each issued for cash 39,00,00,000 39,00,00,000 743,895,333 Ordinary shares of Tk 10 each issued as bonus 7,43,89,53,330 6,99 ,73 ,44 ,330 144.483.570 Ordinary shares of Tk 10 each issued as right share in Cash 1,44 ,48,35 ,700 44 48 35 700 927,378,903 Ordinary shares of Tk 10 each 9,27,37,49,O30 8,83,21,80,030 Date/vear Declaration No. of Share Face Value Total Value 18-11-1985 Opening capital 1,95,00,000 10 19,s0,00,000 12-12-1999 Initial Dublic offer (IPO) 1,95,00,000 10 19.50.00.000 2000 10% Bonus Share 39,00,000 10 3,90,00,000 2001 120lo Bonus Share 51,48,000 10 5,14,80,000 2002 15% Bonus Share 72,07,200 10 7 .20.72.000 2003 100/0 Bonus Share 55,25,520 10 5,52,55,200 2004 30o/o Bonus Share |,82,34,210 10 18,23,42,100 21-12-2005 50o/o Riqht Share 3,02,38,570 10 30,23,85,700 2005 10o/o Bonus Share 1,09,25,3s0 10 10,92,53,500 2006 12.50o/o Bonus Share 1,50,22,350 10 15,02,23,500 2007 30% Bonus Share 4,05,60,360 10 40,56,03,600 2008 30% Bonus Share 5,27,28,460 10 52,7 2,84 ,600 2009 47olo Bonus Share 10,73,90,300 10 1,07,39,03,000 11-04-2010 50% Riqht Share tt ,42,45 ,0t0 10 I,14 ,24 ,50,100 2010 329o Bonus Share 14,40,40,105 10 1.44.04,01,050 2011 17Yo Bonus Share 10,10,08,123 10 1,01,00,81,230 20t2 10Yo Bonus Share 6.95,17,355 10 69,51,73,550 2013 57o Bonus Share 3,82,34,545 10 38.23.45.450 2014 1oyo Bonus Share 8.02,92,545 //g/-

Paid up capital 9,27 ,37 ,89,030 8,83,21,80,030 Statutory reserve 8,00,35,12,669 7,23,80,30,105 General reserve 1,01,62,348 L,0t,62,348 Non-controlling (Minority) interest 209 209 Other reserve including asseE revaluation reserve 48,44 ,O3 ,32t 46,81,10,718 Foreign currency translation gain/(loss) 66,865 2,42,340 Surplus in profit and loss account 1 ,51,99 ,19 ,67 s 1,24,83.11,196 19,29,L8,54,117 17.7q.7 o,36.946 30 Seotember 2019 30 September 2018 Taka Taka 35 Cash and cash equivalents Convcntional Banking Cash in hand 2,53,99 ,74 ,234 2,09 ,67 ,25 ,243 Balance with Banqladesh Bank and Sonali Bank Limited Ll ,66,21,6t,334 11,42,32,98,660 Balance with other bank and financial institutions 4 ,00,54 ,92,278 4 ,56,55 ,94,65t Money at call & short notice 9,14,32,50,000 4,88,47,50,000 Prize bonds 61.35.200 70,58,500 27,35,70,t3,M6 22 97 74 27 054 Oft-shore banking unit 27,35,70,L3,O46 22,97,74,27,O54

35(a) Consolidated cash and cash equivalents NCC Bank Limited (Note-34) 27,35,70,13,046 22,97,74,27,054 NCCB Securities and Financial Services Limited 6,35,77,994 t6,35 ,12,045 NCCB Capital Limited ____4,42&58L&n ___23.14n-9,39p9-L

36 Net asset value per share (NAV) Total assets 2,54,08,41,07,658 2,33,31,97,62,917 Less: Total liabilities (2.34 .9L.64 .30.896\ (2.15 .92.49 .04 .57 6) Net asset value (a) 19,16,76,76,762 t7,39,44,54,34L Weighted average number of ordinary share oubtanding (b) 92,73,78,903 92,73,78,903 Net asset value per share (NAV) (a+b) 20.67 18.76

36(a) Consolidated net asset value per share (t{Av)

Total assets 2,55,42,53 ,14 ,472 2,34 ,77 ,92,93 ,r00 Less: Total liabilities (2,36,13,34,60,355) (2,17,27,90,90,097\ Net asset value (a) 19,29.18.54,117 17,50,02,03,003 Weighted average number of ordinary share outstanding (b) 92,73 ,78,903 Net asset value per share (NAV) (a+b) ______lgaz_

37 Earnings per share (EPS)

Net Profit after tax for the period ended (a) 1,91,51,07,650 1,54,76,8s,999 Weighted average number of ordinary share outstanding (b) 92,73,78,903 92,73,78,903 Earnings per share (EPS) (a+b) ______3.o7- __J.67_ * EPS incresded due to enhancement of net interest margin compared to same preiod of last year 37(a) Consolidated earnings per share

Net profit after tax for the period ended (a) 1,91,88,57,352 1 19 94 230 Weighted average number of ordinary share outstanding (b) 9 73 78 903 92,73,78,903 Earnings per share (EPS) (a+b) 1.66

38 Net operating cash flows per share (NOCFPS)

Net cash received/(used) from operating activities during the period (a) 5,27,10,39,317 9,0s,19,65,985 Weighted average number of ordinary share outstanding (b) 92,73,78,903 92,73,78,903 Net operating cash flows per share (NOCFPS) (a+b) s,68 9,76

38(a) consolidated net operating cash flows per share (NOCFPS)

Net cash received/(used) from operating activities during the period (a) 5 2 53 745 9 ,11 ,37 ,63 ,321 Weighted average number of ordinary share outstanding (b) 2 73 7B 903 92,7 3 ,74,903 Net operating cash flows per share (NOCFPS) (a+b) 9.83 FAD 30 September 2019 30 S€ptember 2018 Taka Taka 39 Reconclllation of statement of cash flows from operating activitles Profit beforc provision 5 39 7t 89 L42 4,62,6L,23,206 Adjustment for non cash items

Depreciation on fixed asset 19,23,94,0t8 17 ,27 ,36,90t Amortization on software 78,33,752 79.38,019 20,0 2,27,77O ta,06,7 4,92O Adjustment with non-operating activities

Gain on sale of shares (3,60,67,840) (4,78,07,549) Capital gain on sale of treasury bonds (12,31,96,359) (29,67,80,412) Gain on sale of fixed assets (69,44,7s7) Loss on sale of fixed assets 9,16,690 (15,83,47.508) (35,15,32,718)

Changes in operating asset and liabilities

Changes in loans & advances (2,13,79 ,r8,916) (20,31,4s,55,0s2) Changes in deposits and other accounts 5 ,61,73 ,62,636 23,22,41,31,956 Changes in investments (3,62,27,47,886) (2t,99,46,026\ Changes in borrowings (21,18,06,614) o 39,r9,46,740\ Changes in other assets (2,69 ,20,36,577) (1,30,36,80,240) Chanqes in other liabilities 4 ,03 ,52,7 4 ,169 5,44,04,06,015 98,8r,26,811 5,43,44,t5,9L3

Income Tax Paid (1,15,51,55,898) (83,77,r5,335) Net cash flows from operating activities s,27,1o,39,3L7 9.0s,19,5s,98s

reconciliation of statement of cash flows from operating 39(a) Consolid.ted adlvitles

Profit before provision 5,4L,24,83,930 4,63,30,63,067

Adjustment for non cash items Depreciation on fixed asset 19,31,64,153 t7,40,07,733 Amortization on software 78,40,530 82,28,399 20,10.04,683 18,22,36,L32 Adjustment with non-operating activities

Gain on sale of shares (4,08,35,972) (s,66,61,163) Capital gain on sale of treasury bonds (12,31,96,359) (29 ,67 ,80 ,4r2) Gain on sale of fixed assets (69,44,7s7\ Loss on sale of fixed assets 9 95 15 (16,30,36.855) (36,03,85,332)

changes in operating asset and liabilities Changes in loans & advances (2,03 ,98,82,375) (20,36,91,39,601) Changes in deposits and other accounG 5 ,53 ,04 ,02,612 23,37,06,70,640 Changes in investments (3,62,84 ,19 ,781) (22,37,02,1s8) Changes in borrowings (21,18,06,614) (1 ,39 ,19 ,46,7 40) Changes in other assels (2,76,sO,s7,66r) (1,30,81,96,912) Changes in other liabilities 4 ,05,73 ,36,790 5,43,89,39,363 94 25 7 97L 5,51,6 6,24,591

Income Tax Paid (|,L6.77,OL9A4\ (A5,77,76,1371 Net cash flows from operating activities ----3e82z2.45- ----gE&j-BZL-

Com retary chief Financial q^ r EO oi*r{ot hairman

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