particulars note(s) 31.1202021 31.12.

2020

Investment income 21(a) 24,102,157,455

Profit paid on deposits 22(a) 16,217,759,192
Net investment income 7,884,398,263
Income from investment in shares and securities 23(a) 825,534,629
Commissions, exchanges and brokerage 24(a) 1,635,295,855
Other opeerating income 25(a) 683,375,632
3,144,206,116
Total operating income 11,028,604,379

Operating expenses
Salaries and allowances 26(a) 3,623,403,593
Rent, taxes,insurances,electricity etc. 27(a) 505,610,267
Legal expenses 28 7,483,586
Postage,stamps,telecommmunication etc. 29(a) 8,665,023
Stationary,printings,advertisement etc. 30(a) 105,278,351
Managing director's salary and allowances 31 14,254,517
Directors' fees and expenses 32(a) 2,800,818
Shariah supervisory committee's fees & expenses 33 144,284
Auditor's fees 985,750
Charges on investment losses -
Depreciation & repair to Banks assets 34(a) 640,211,037
Zakat expenses 181,384,083
Othere expemses 35(a) 1,202,686,945
Total operating expenses 6,292,908,254

Profit/loss before provision 4,735,696,125

General Provisions for Investment 1,635,265,599
Specific Provisions for Investment
General Provisions for off-Balance Sheet exposure
Other provisions 36(a) 99,855,498
Total provision 37(a) 1,735,121,097
Total profiit/ loss before income taxes 3,000,575,028

Provision for taxation 38(a) 1,250,391,365

Current tax 1,215,533,867
Deferred tax 34,857,498
 Net profit/loss after taxation 1,750,183,663
Appropriations:
Statutory reserve 574,874,153
Retained surplus 1175309513
Attributable to: 1,750,183,666
Equity holders of the bank 1,175,309,416
Non controlling interest rate 97
1,175,309,513
Profit per share(EPS) (prior year restarted) 39(a) 1.78

SOCIAL ISLAMI BANK

CONSOLIDATED BALAN
FOR THE YEAR ENDED 31 DCEMBE
Particulars note(s) 31.1202021 31.12.2020
PROPERTY AND ASSETS
Cash in hand
Cash in hand(including foreign currencies) 3(a) 3,416,614,856
Balance with Bangladesh Bank and Agency Banks(including foreign currencies) 3.1 20,075,647,654
3 23,492,262,510

Balance with other Banks and Financial Institutions

In Bangladesh 4(a) 7,030,447,503

Outside Bangladesh 4.2 2,540,793,342
9,571,240,845
Placement with Banks and other Financial Institutions 5 9,662,743,194
Investment in shares and securities 6(a)
Governments 20,165,050,000
Others 9,223,905,847
29,388,955,847
Investments 7(a)

General investment etc. 296,821,586,727

Bills purchased and discounted 15,162,233,802
311,983,820,529
 Fixed assets including premises 8(a) 4,261,357,069
Other assets 9(a) 20,232,831,433
Non banking assets -
Total assets 408,593,211,427
LIABILITIES ANd CAPITAL
Liabilities
Placement from Banks & other Financial Institutions 10 -
Deposits and other accounts 11
Mudaraba savings deposits 37,308,169,943
Mudaraba term deposits 176,256,112,820
Other Mudaraba deposits 80,399,200,511
Al-wadeeah current & other deposit accounts 11.2(a) 40,988,703,603
Bills payable 11.3 5,064,269,305
Cash Waqf fund 382,356,998
340,398,813,180
BOND
SIBL mudaraba subordinated bond 12 5,600,000,000
SLBL mudaraba perpetual bond 13 5,000,000,000
10,600,000,000
Other liabilities 14(a) 37,731,786,286
Deferred tax liabilities/(assets) 15(a) 465,541,725
Total liabilities 3 389,196,141,191
Capital/Shareholders' equity
Paid-up-capital 16.2 9,849,088,440
Statutory reserve 17 7,605,264,974
General reserve 17(a) 13,938,397
Other reserve 8,500,000
Revaluation reserve on fixed assets 18 557,024,130
Retaineed earnings 19(a) 1,363,252,358
Total shareholders equity of parent company, SIBL 19,397,068,299
Non controlling interest 1,937
Total shareholders equity of parent company, SIBL with Non controlling interest 19,397,070,236
Total liabilities and shareholders' of the group 408,593,211,427
CONTIGENT LIABILITIES

Accptance and endorsement 20.1 21,739,997,400

Irrevocal Letters of credit(including Back to Back Bills ) 20.2 21,109,424,352
Letters of Guarantee 20.3 9,340,583,965
Bills of Collection 20.4 7,273,898,617
Other contigent Liabilities 20.5 -
Total 59,463,904,334

OTHER COMMITMENTS
 Documentary credits and short term trade related transaction -
Forward assets purchased and forward deposits places -
Undrawn note issuance and rervolving underwriting facilities -
Undrawn formal standby facilities,credit lines and other -
Commitments -
Total -
Total Off Balance Sheet Items including -
Contigent Liabilities 59,463,904,334

Consolidated Net Asset Value per share (NAV)(prior year restated) 39(i) 20

SOCIAL ISLAMI BANK LI

CONSOLIDATED CASH FLOW
FOR THE YEAR ENDED 31 DCEMBE

Particulars note(s) 31.12.2021 31.12.2020

Cash flow from operating activities 40(a)
Investment income receipt ###
Profit paid on deposits ###
Dividend receipts 825,534,629.00
Fees and commissions recript 858,095,827.00
Cash payments to employees ###
Cash payments to suppliers (113,943,374.00)
Income tax paid ###
Receipt from other operating activities 41(a) 1,402,834,855.00
Payment for other operating actiivities 42(a) ###
Operating profit before changes in operating assets and liabilities 43(a) 4,202,798,348.00
Increase/Decrease in operating assets and liabilities
Statutory deposits -
Net trading securities ###
Investment to other Banks -
Investment to customers 44(a) ###
Other assets (108,409,362.00)
Deposits from other Banks ###
Deposits receipt from customers ###
Other liabilities on account of customers -
Trading liabilities -
Other liabilities 45(a) (272,665,868.00)
 Sub total ###
A.Net cash flow from operating activities ###
Proceeds from sell of securities -
Payment for purchases of securities -
Proceeds from sale of fixed assets -
Purchases of property,plant & equipments (339,633,776.00)
Purchase/Sale of subsidiaries -
B.Net cash flow from investing activities (339,633,776.00)
Cash flows from financial activities
Receipts from issues of debt instruments -
SIBL Mudaraba subordinated Bond ###
SIBL Mudaraba perpetual bond 3,500,000,000.00
Receipts from issues of right share/ordinary share -
Dividend paid in cash (469,004,212.00)
C.Net cash flow from financial activities 630,995,788.00
D.Net increase/(Decrease) in cash and cash equivalents(A+B+C) ###
E.Effects of exchange rate exchange on cash & cash equivalents 57,740,805.00
F.Cash and cash equivalents at the beginning of the year ###
G.Cash & cash equivalents at the end of the year(D+E+F) 46(a) ###

Net operating Cash Flow Per Share(NOCFPS)(pror year restarted) 39(ii) 1.72
 SOCIAL ISLAMI BANK LIMITED
CONSOLIDATED INCOME STATEMENT
FOR THE YEAR ENDED 31 DCEMBER 2012 TO 2022

202021 31.12.2020 31.121.2019

27,114,836,024 27,872,037,075 25,073,045,000 18,608,909,537

19,557,578,597 18,500,646,256 16,137,704,994 10,624,952,149
7,557,257,427 9,371,390,819 8,935,340,006 7,983,957,388
778,358,729 773,998,540 477,908,519 379,028,131
1,486,658,285 1,526,240,435 1,687,365,606 2,016,766,460
632,784,502 689,079,020 597,139,413 604,729,535
2,897,801,516 2,989,317,995 2,762,413,538 3,000,524,126
10,455,058,943 12,360,708,814 11,697,753,544 10,984,481,514

3,584,686,809 3,413,882,572 3,167,969,465 2,916,733,521

390,764,845 579,209,966 530,631,708 468,880,311
9,374,270 11,268,775 10,586,493 15,502,135
7,333,769 8,776,440 10,088,853 11,551,800
122,909,565 161,473,808 132,965,876 129,645,475
13,621,826 12,712,000 11,920,000 10,849,355
5,322,836 9,918,184 4,872,901 11,120,844
74,629 446,507 245,903 711,064
977,500 977,500 621,000 621,000
- - - -
591,191,793 379,910,822 323,083,166 300,094,580
165,694,341 149,522,749 129,665,548 111,424,295
1,181,269,234 1,265,616,824 1,147,959,281 780,491,293
6,073,221,417 5,993,716,147 5,470,610,194 4,757,625,673

4,381,837,527 6,366,992,667 6,227,143,350 6,226,855,841

1,272,053,993 3,184,444,138 2,261,500,825 2,569,199,969

36,011,634 31,542,301 82,035,292 95,854,352

1,308,065,627 3,215,986,439 2,343,536,117 2,665,054,321
3,073,771,900 3,151,006,228 3,883,607,233 3,561,801,520

1,506,500,770 1,625,326,873 2,282,097,630 2,097,282,797

1,499,394,282 1,606,058,965 - -
7,106,488 19,267,908 - -
 1,567,271,130 1,525,679,355 1,601,509,603 1,464,518,723

608,129,552 626,805,871 769,658,950 707,025,310

959,141,552 898873482 831850655 757493413
1,567,271,104 1,525,679,353 1,601,509,605 1,464,518,723
959,141,552 898,873,480 831,850,640 757,493,325
26 2 15 87
959,141,578 898,873,482 831,850,655 757,493,412
1.59 1.63 1.79 1.8

SOCIAL ISLAMI BANK LIMITED

CONSOLIDATED BALANCE SHEET
FOR THE YEAR ENDED 31 DCEMBER 2012 TO 2022
1202021 31.12.2020 31.121.2019 31.12.1018

2,973,262,850 2,949,359,808 2,344,325,541 2,369,319,898

30,400,773,390 28,949,172,602 23,735,810,359 21,457,534,554
33,374,036,240 31,898,532,410 26,080,135,900 23,826,854,452

3,889,054,019 2,288,375,533 1,159,076,554 532,102,415

611,795,207 1,084,292,499 323,695,854 366,064,370
4,500,849,226 3,372,668,032 1,482,772,408 898,166,785
6,200,795,494 6,826,069,299 5,911,619,899 10,736,619,899

14,462,160,000 13,692,300,000 9,200,000,000 9,100,000,000

4,275,574,273 4,170,415,304 2,549,022,367 2,502,525,517
18,737,734,273 17,862,715,304 11,749,022,367 11,602,525,517

287,594,854,278 251,238,985,230 229,634,994,597 201,932,884,191

12,123,089,288 12,229,604,419 8,219,176,356 7,362,624,894
299,717,943,566 263,468,589,649 237,854,170,953 209,295,509,085
 4,446,983,032 3,613,716,895 3,572,253,103 3,491,020,793
18,231,614,894 18,143,066,838 20,752,880,683 16,439,780,117
- - - -
385,209,956,725 345,185,358,427 307,402,855,313 276,290,476,648

- - 8,000,000,000 5,000,000,000

33,622,114,210 25,739,179,658 19,621,561,549 16,876,607,874

175,364,565,456 165,687,514,476 156,095,697,702 138,266,642,919
72,789,409,014 64,112,318,321 43,569,089,182 42,123,348,876
34,819,969,171 25,608,307,719 23,962,556,672 25,629,690,923
4,909,336,453 5,982,863,785 4,384,822,493 5,233,509,848
377,056,255 342,710,311 317,048,976 277,925,332
321,882,450,559 287,472,894,270 247,950,776,574 228,407,725,772

8,000,000,000 9,400,000,000 10,800,000,000 6,400,000,000

1,500,000,000 - - -
9,500,000,000 9,400,000,000 10,800,000,000 6,400,000,000
35,292,055,497 30,905,629,453 24,789,270,400 22,260,690,365
439,019,598 94,704,927 75,437,019 38,392,503
367,113,525,654 327,873,228,650 291,615,483,993 262,106,808,640

9,380,084,230 8,933,413,560 8,121,285,060 7,382,986,420

7,030,390,821 6,422,261,269 5,795,455,397 5,025,796,447
11,314,058 9,843,356 10,764,250 8,570,541
- - - -
571,142,055 931,379,261 954,998,771 979,221,345
1,103,498,067 1,015,230,517 904,866,027 787,091,456
18,096,429,231 17,312,127,963 15,787,369,505 14,183,666,209
1,840 1,814 1,812 1,797
18,096,431,071 17,312,129,777 15,787,371,318 14,183,668,006
385,209,956,725 345,185,358,427 307,402,855,310 276,290,476,646

21,329,871,746 21,931,661,800 20,129,420,463 28,726,126,414

15,362,950,636 15,775,047,149 15,834,150,200 20,910,040,289
10,352,181,319 11,322,648,716 10,532,813,165 14,094,167,946
5,394,930,566 4,565,448,355 4,189,581,976 4,239,277,561
- - - -
52,439,934,267 53,594,806,020 50,685,965,804 67,969,612,210
 - -
- -
- -
- -
- -
- -
- -
52,439,934,267 53,594,806,020
18 18
SOCIAL ISLAMI BANK LIMITED
ONSOLIDATED CASH FLOW STATEMENT
FOR THE YEAR ENDED 31 DCEMBER 2012 TO 2022
1.12.2021 31.12.2020 31.21.2019
27,251,621,057.00 27,679,327,604.00
(18,550,348,689.00) (16,756,600,941.00)
778,358,729.00 773,998,540.00
711,813,684.00 742,845,087.00
(3,598,308,635.00) (3,426,594,572.00)
(130,243,334.00) (170,250,248.00)
(1,312,378,550.00) (1,326,270,037.00)
1,370,377,559.00 1,418,028,758.00
(2,042,307,306.00) (2,084,247,716.00)
4,478,584,515.00 6,850,236,475.00
- -
(875,018,969.00) (6,113,692,937.00)
- -
(36,249,353,918.00) (25,614,418,696.00)
1,087,045,459.00 4,128,793,353.00
2,771,192,536.00 (3,876,630,345.00)
30,631,133,845.00 41,654,702,726.00
- -
- -
1,783,834,704.00 1,293,392,753.00
- -
- -
- -
- -
- -
- -
- -
50,685,965,804 67,969,612,210
18 17
24,945,765,635.00 18,505,811,786.00
(14,559,686,156.00) (9,159,242,171.00)
477,908,519.00 379,028,131.00
766,440,458.00 993,792,501.00
(3,179,889,465.00) (2,927,582,876.00)
(143,054,728.00) (141,197,275.00)
(1,285,952,527.00) (1,432,091,325.00)
1,452,298,275.00 1,627,703,494.00
(1,861,615,882.00) (1,424,746,664.00)
6,612,214,129.00 6,421,475,601.00
- -
(4,026,922.00) (771,943,598.00)
- -
(28,558,661,868.00) (35,519,375,711.00)
(3,042,338,602.00) (1,375,297,990.00)
(1,687,502,441.00) 13,953,833,871.00
19,652,534,404.00 22,694,848,619.00
- -
- -
(2,057,815,487.00) 210,522,856.00
 (851,166,343.00) 11,472,146,854.00 (15,697,810,916.00) (807,411,953.00)
3,627,418,172.00 18,322,383,329.00 (9,085,596,789.00) 5,614,063,649.00
- - - -
- - - -
- - - -
(1,339,587,820.00) (354,087,403.00) (367,282,428.00) (486,792,982.00)
- - - -
(1,339,587,820.00) (354,087,403.00) (367,282,428.00) (486,792,982.00)

- (8,000,000,000.00) 3,000,000,000.00 2,000,000,000.00

(1,400,000,000.00) (1,400,000,000.00) 4,400,000,000.00 3,400,000,000.00
1,500,000,000.00
- - - -
(446,670,678.00) - - (1,476,597,364.00)
(346,670,678.00) (9,400,000,000.00) 7,400,000,000.00 3,923,402,636.00
1,941,159,674.00 8,568,295,926.00 (2,052,879,217.00) 9,050,673,303.00
37,251,544.00 54,445,609.00 65,766,286.00
42,097,269,741.00 33,474,528,207.00 35,461,641,135.00 26,410,967,833.00
44,075,680,959.00 42,097,269,742.00 33,474,528,204.00 35,461,641,136.00

3.67 19.53 (10.17) 6.91

16,966,286,841 15,346,595,154 13,984,234,867 13,652,592,262
9,576,406,736 9,067,760,966 9,007,200,466 9,706,867,767
7,389,880,105 6,278,834,188 4,977,034,401 3,945,724,495
237,611,204 301,153,885 300,045,705 325,466,389
1,641,246,704 1,300,540,403 1,224,944,942 1,056,116,571
445,679,505 399,346,519 296,406,605 233,154,130
2,324,537,413 2,001,040,807 1,821,397,252 1,614,737,090
9,714,417,518 8,279,874,995 6,798,431,653 5,560,461,585

2,461,778,605 2,218,639,509 1,665,696,112 1,511,746,541

390,701,451 297,293,202 255,524,408 228,445,375
9,915,955 8,210,584 8,142,318 7,943,388
10,361,856 9,603,439 8,661,250 32,286,323
117,718,811 101,872,850 81,490,846 91,543,834
11,634,356 9,320,000 8,900,000 8,602,260
7,637,982 7,380,684 6,984,357 4,805,075
746,775 549,512 342,050 254,362
1,235,500 494,500 753,250 534,750
- - - -
261,971,531 230,838,766 209,582,383 174,744,640
89,792,573 71,840,046 - -
623,310,434 479,207,800 529,193,082 534,797,848
3,986,805,829 3,435,250,892 2,775,270,056 2,595,704,396

5,727,611,689 4,844,624,103 4,023,161,597 2,964,757,189

1,482,889,673 1,350,649,113 651,756,813 84,746,527
752,687,954
27,067,799
39,508,157 34,815,046 18,879,283 41,322,381
1,522,397,830 1,385,464,159 670,636,096 905,824,661
4,205,213,859 3,459,159,944 3,352,525,501 2,058,932,528

1,914,165,959 1,412,861,138 1,424,140,084 806,808,184

- - - -
- - - -
 2,291,047,900 2,046,298,806 1,928,385,417 1,252,124,344

838,438,842 695,834,378 661,503,573 404,931,889

1452609059 1,350,464,398 1,266,881,823 847,202,431
2,291,047,901 2,046,298,776 1,928,385,396 1,252,134,320
1,452,608,995 1,350,464,398 1,350,464,398
64 28 20 27
1,452,609,059 1,350,464,426 1,350,464,418 27
3.1 3.1 3.1 1.78

1,816,338,179 1,145,970,455 976,302,191 1,267,213,967

16,131,320,942 13,535,893,678 11,145,075,318 7,627,790,250
17,947,659,121 14,681,864,133 12,121,377,509 8,895,004,217

842,645,333 3,504,739,496 2,577,414,418 1,899,243,196

423,996,755 355,321,944 332,880,245 1,178,527,956
1,266,642,088 3,860,061,440 2,910,294,663 3,077,771,152
7,196,666,624 6,586,715,074 9,474,249,214 9,064,879,564

9,150,000,000 6,040,000,000 5,116,000,000 5,500,000,000

1,680,581,919 1,702,395,236 1,227,727,286 1,558,185,070
10,830,581,919 7,742,395,236 6,343,727,286 7,058,185,070

166,581,331,180 123,370,222,992 98,511,135,398 76,348,581,962

7,194,802,194 10,486,626,911 9,288,823,913 9,523,749,964
173,776,133,374 133,856,849,903 107,799,959,311 85,872,331,926
 3,268,326,670 3,082,507,826 2,683,691,549 2,662,660,343
13,529,293,052 10,198,251,397 12,252,008,976 9,770,561,641
- - - -
227,815,302,848 180,008,645,009 153,585,308,508 126,401,393,913

3,000,000,000 1,000,000,000 6,150,000,000 4,700,000,000

13,899,504,009 14,273,504,098 9,818,279,970 6,468,729,754

111,657,941,041 88,616,744,207 75,356,410,289 62,746,867,195
40,060,818,730 29,983,914,560 23,923,887,375 19,288,768,828
19,406,875,568 15,206,974,110 12,789,580,088 11,936,321,181
5,031,314,320 1,251,915,364 2,277,639,901 1,316,909,958
236,879,638 178,828,552 99,275,350 84,577,685
190,293,333,306 149,511,880,891 124,265,072,973 101,842,174,601

3,000,000,000 3,000,000,000 - -
- - - -
3,000,000,000 3,000,000,000 0 0
17,306,863,759 13,531,999,349 10,991,253,286 8,765,394,391
21,775,365 9,648,241 5,995,379 1,577,248
213,621,972,430 167,053,528,481 141,412,321,638 115,309,146,240

7,382,986,420 7,031,415,640 7,031,415,640 7,031,415,640

4,318,771,137 3,480,332,295 2,784,497,917 2,122,994,344
6,154,312 4,275,913 2,790,193 6,666,534
- - - -
1,004,065,009 1,029,545,693 1,055,679,727 1,082,485,102
1,481,351,830 1,409,545,341 1,298,601,774 848,684,454
14,193,328,708 12,955,114,882 12,172,985,251 11,092,246,074
1,710 1,645 1,617 1,597
- - - -
227,815,302,848 180,008,645,008 153,585,308,506 126,401,393,911

23,002,645,081 18,431,674,020 15,302,832,788 14,986,882,397

21,928,766,660 14,467,256,620 11,017,261,193 9,854,239,886
11,485,872,882 7,379,609,632 3,936,013,964 3,246,076,013
3,434,061,967 2,818,276,011 1,905,746,855 2,383,031,491
- - - -
59,851,346,590 43,096,816,283 32,161,854,800 30,470,229,787
 - -
- -
- -
- -
- -
- -
- -
59,851,346,590 43,096,816,283
- -
- -
- -
- -
- -
- -
- -
32,161,854,800 30,470,229,787

17 17 17 17

16,966,286,841.00 15,346,595,154.00 13,984,234,867.00 13,652,592,262.00

(6,944,662,524.00) (7,398,708,019.00) (7,712,225,604.00) (6,901,278,644.00)
237,611,204.00 301,153,885.00 300,045,705.00 325,466,389.00
885,417,558.00 705,299,642.00 604,112,217.00 584,822,183.00
(2,473,412,961.00) (2,227,959,509.00) (1,674,596,112.00) (1,520,348,801.00)
(128,080,666.00) (111,476,289.00) (90,152,096.00) (123,830,157.00)
(1,007,764,289.00) (1,170,469,382.00) (801,113,468.00) (1,356,696,826.00)
1,201,508,651.00 994,587,279.00 917,239,330.00 704,448,518.00
(1,156,829,476.00) (913,362,103.00) (827,938,243.00) (794,669,804.00)
7,580,074,338.00 5,525,660,658.00 4,699,606,596.00 4,570,505,120.00

- - - -
(3,088,186,683.00) (1,398,667,950.00) 714,457,784.00 (2,394,168,486.00)
- - - -
(39,919,283,472.00) (26,056,890,592.00) (21,927,627,385.00) (9,847,358,018.00)
(2,323,277,367.00) 3,224,226,961.00 (1,680,333,868.00) (248,053,710.00)
482,081,512.00 (4,258,078,568.00) 9,374,714,973.00 (6,383,245,811.00)
37,667,626,692.00 27,847,879,405.00 11,753,208,538.00 12,142,992,679.00
- - - -
- - - -
352,306,146.00 (252,440,657.00) 131,624,502.00 360,934,923.00
(6,828,733,172.00) (893,971,401.00)
751,341,165.00 4,631,689,256.00
- -
- -
- -
(414,301,569.00) (593,315,131.00)
- -
(414,301,569.00) (593,315,131.00)
2,000,000,000.00 (5,150,000,000.00)
- 3,000,000,000.00
- -
(1,054,712,411.00) (1,265,654,865.00)
945,287,589.00 (3,415,654,865.00)
1,282,327,185.00 622,719,260.00
25,128,640,648.00 24,505,921,387.00
26,410,967,833.00 25,128,640,647.00
6.91 6.91
(1,633,955,456.00) (6,368,898,423.00)
3,065,651,140.00 (1,798,393,302.00)
- -
- -
- -
(203,614,810.00) (562,918,036.00)
- -
(203,614,810.00) (562,918,036.00)
1,450,000,000.00 -
- -
- -
(843,769,877.00) (318,744,971.00)
606,230,123.00 (318,744,971.00)
3,468,266,453.00 (2,680,056,309.00)
21,037,654,933.00 23,717,711,242.00
- -
24,505,921,386.00 21,037,654,933.00
6.91 6.91
11,325,266,334
7,541,679,221
3,783,587,113
233,816,722
1,194,479,560
337,568,377
1,765,864,659
5,549,451,772

1,081,286,476
181,760,278
8,618,710
28,799,564
80,776,376
10,000,000
4,094,874
117,801
910,455
-
149,523,899
-
360,733,108
1,906,621,541

3,642,830,231
173,483,062
285,356,045
104,482,499
307,355,083
870,676,689
2,772,153,542

1,306,935,483
-
-
1,465,218,059

549,578,194
915,639,843
1,465,218,037

20
20
2.08

1,104,657,620
10,020,554,834
11,125,212,454

2,726,839,850
849,779,375
3,576,619,225
9,064,879,564

2,900,000,000
1,764,016,584
4,664,016,584

66,459,100,077
9,565,873,831
76,024,973,908
 2,256,597,940
8,165,811,105
-
114,878,110,780

4,700,000,000

4,905,319,144
62,267,653,508
13,984,000,422
10,585,704,537
1,465,257,228
68,903,770
93,276,838,609

-
-
0
6,699,267,451
70,528
104,676,176,588

6,393,925,700
1,718,062,455
742,432
-
1,109,979,121
930,222,915
10,152,932,623
1,570
-
114,829,110,781

12,634,753,997
7,395,594,893
4,949,826,296
2,784,274,732
-
27,764,449,918
 -
-
-
-
-
-
-
27,764,449,918

17

11,325,266,334.00
(5,247,109,745.00)
233,816,722.00
601,843,415.00
(1,091,286,476.00)
(109,575,940.00)
(929,894,508.00)
930,204,521.00
(569,670,338.00)
5,143,593,985.00

-
(902,656,827.00)
-
(22,116,398,136.00)
(140,718,961.00)
2,311,519,035.00
22,209,028,350.00
-
-
80,878,423.00
 1,441,651,884.00
6,585,245,870.00
-
-
-
(257,483,184.00)
-
(257,483,184.00)

1,000,000,000.00
-

-
(671,362,199.00)
328,637,801.00
6,656,400,487.00
17,061,310,755.00
-
23,717,711,242.00

6.91
 SOCIAL ISLAMI BANK LIMITED
CONSOLIDATED INCOME STATEMENT
FOR THE YEAR ENDED 31 DCEMBER 2012 TO 2022

particulars note(s) 31.1202021 31.12.2020

Investment income21(a) 24102157455 27,114,836,024.00 27,872,037,075.00 25,073,045,000.00

Profit paid on deposits
22(a) 16217759192 19,557,578,597.00 18,500,646,256.00 16,137,704,994.00
Net investment income 7884398263 7,557,257,427.00 9,371,390,819.00 8,935,340,006.00
from investment in shares
23(a)
and securities
825534629 778,358,729.00 773,998,540.00 477,908,519.00
mmissions, exchanges and24(a)
brokerage 1635295855 1,486,658,285.00 1,526,240,435.00 1,687,365,606.00
Other opeerating income
25(a) 683375632 632,784,502.00 689,079,020.00 597,139,413.00
3144206116 2,897,801,516.00 2,989,317,995.00 2,762,413,538.00
Total operating income 11028604379 10,455,058,943.00 12,360,708,814.00 11,697,753,544.00

Operating expenses
Salaries and allowances
26(a) 3623403593 3,584,686,809.00 3,413,882,572.00 3,167,969,465.00
ent, taxes,insurances,electricity
27(a) etc. 505,610,267 390,764,845.00 579,209,966.00 530,631,708.00
Legal expenses 28 7,483,586 9,374,270.00 11,268,775.00 10,586,493.00
age,stamps,telecommmunication
29(a) etc. 8,665,023 7,333,769.00 8,776,440.00 10,088,853.00
ationary,printings,advertisement
30(a) etc. 105,278,351 122,909,565.00 161,473,808.00 132,965,876.00
naging director's salary and31
allowances 14,254,517 13,621,826.00 12,712,000.00 11,920,000.00
Directors' fees and expenses
32(a) 2,800,818 5,322,836.00 9,918,184.00 4,872,901.00
supervisory committee's fees
33 & expenses 144,284 74,629.00 446,507.00 245,903.00
Auditor's fees 985,750 977,500.00 977,500.00 621,000.00
Charges on investment losses - - - -
epreciation & repair to Banks
34(a)assets 640,211,037 591,191,793.00 379,910,822.00 323,083,166.00
Zakat expenses 181,384,083 165,694,341.00 149,522,749.00 129,665,548.00
Othere expemses35(a) 1,202,686,945 1,181,269,234.00 1,265,616,824.00 1,147,959,281.00
Total operating expenses 6,292,908,254 6,073,221,417.00 5,993,716,147.00 5,470,610,194.00

Profit/loss before provision 4,735,696,125 4,381,837,527.00 6,366,992,667.00 6,227,143,350.00

General Provisions for Investment 1,635,265,599 1,272,053,993.00 3,184,444,138.00 2,261,500,825.00
Specific Provisions for Investment
Provisions for off-Balance Sheet exposure
Other provisions36(a) 99,855,498 36,011,634.00 31,542,301.00 82,035,292.00
Total provision 37(a) 1,735,121,097 1,308,065,627.00 3,215,986,439.00 2,343,536,117.00
tal profiit/ loss before income taxes 3,000,575,028 3,073,771,900.00 3,151,006,228.00 3,883,607,233.00

Provision for taxation

38(a) 1,250,391,365 1,506,500,770.00 1,625,326,873.00 2,282,097,630.00
Current tax 1,215,533,867 1,499,394,282.00 1,606,058,965.00 -
Deferred tax 34,857,498 7,106,488.00 19,267,908.00 -

Net profit/loss after taxation 1,750,183,663 1,567,271,130.00 1,525,679,355.00 1,601,509,603.00

Appropriations:
 Statutory reserve 574,874,153 608,129,552.00 626,805,871.00 769,658,950.00
Retained surplus 1175309513 959,141,552.00 898,873,482.00 831,850,655.00
Attributable to: 1,750,183,666 1,567,271,104.00 1,525,679,353.00 1,601,509,605.00
Equity holders of the bank 1,175,309,416 959,141,552.00 898,873,480.00 831,850,640.00
Non controlling interest rate 97 26.00 2.00 15.00
1,175,309,513 959,141,578.00 898,873,482.00 831,850,655.00
t per share(EPS) (prior year
39(a)
restarted) 1.78 1.59 1.63 1.79
31.12.2020 31.121.2019

18,608,909,537.00 16,966,286,841.00 15,346,595,154.00 13,984,234,867.00

10,624,952,149.00 9,576,406,736.00 9,067,760,966.00 9,007,200,466.00
7,983,957,388.00 7,389,880,105.00 6,278,834,188.00 4,977,034,401.00
379,028,131.00 237,611,204.00 301,153,885.00 300,045,705.00
2,016,766,460.00 1,641,246,704.00 1,300,540,403.00 1,224,944,942.00
604,729,535.00 445,679,505.00 399,346,519.00 296,406,605.00
3,000,524,126.00 2,324,537,413.00 2,001,040,807.00 1,821,397,252.00
10,984,481,514.00 9,714,417,518.00 8,279,874,995.00 6,798,431,653.00

2,916,733,521.00 2,461,778,605.00 2,218,639,509.00 1,665,696,112.00

468,880,311.00 390,701,451.00 297,293,202.00 255,524,408.00
15,502,135.00 9,915,955.00 8,210,584.00 8,142,318.00
11,551,800.00 10,361,856.00 9,603,439.00 8,661,250.00
129,645,475.00 117,718,811.00 101,872,850.00 81,490,846.00
10,849,355.00 11,634,356.00 9,320,000.00 8,900,000.00
11,120,844.00 7,637,982.00 7,380,684.00 6,984,357.00
711,064.00 746,775.00 549,512.00 342,050.00
621,000.00 1,235,500.00 494,500.00 753,250.00
- - - -
300,094,580.00 261,971,531.00 230,838,766.00 209,582,383.00
111,424,295.00 89,792,573.00 71,840,046.00 -
780,491,293.00 623,310,434.00 479,207,800.00 529,193,082.00
4,757,625,673.00 3,986,805,829.00 3,435,250,892.00 2,775,270,056.00

6,226,855,841.00 5,727,611,689.00 4,844,624,103.00 4,023,161,597.00

2,569,199,969.00 1,482,889,673.00 1,350,649,113.00 651,756,813.00

95,854,352.00 39,508,157.00 34,815,046.00 18,879,283.00

2,665,054,321.00 1,522,397,830.00 1,385,464,159.00 670,636,096.00
3,561,801,520.00 4,205,213,859.00 3,459,159,944.00 3,352,525,501.00

2,097,282,797.00 1,914,165,959.00 1,412,861,138.00 1,424,140,084.00

- - - -
- - - -

1,464,518,723.00 2,291,047,900.00 2,046,298,806.00 1,928,385,417.00

 707,025,310.00 838,438,842.00 695,834,378.00 661,503,573.00
757,493,413.00 1,452,609,059.00 1,350,464,398.00 1,266,881,823.00
1,464,518,723.00 2,291,047,901.00 2,046,298,776.00 1,928,385,396.00
757,493,325.00 1,452,608,995.00 1,350,464,398.00 1,350,464,398.00
87.00 64.00 28.00 20.00
757,493,412.00 1,452,609,059.00 1,350,464,426.00 1,350,464,418.00
1.80 3.10 3.10 3.10
13,652,592,262.00 11,325,266,334.00
9,706,867,767.00 7,541,679,221.00
3,945,724,495.00 3,783,587,113.00
325,466,389.00 233,816,722.00
1,056,116,571.00 1,194,479,560.00
233,154,130.00 337,568,377.00
1,614,737,090.00 1,765,864,659.00
5,560,461,585.00 5,549,451,772.00

1,511,746,541.00 1,081,286,476.00
228,445,375.00 181,760,278.00
7,943,388.00 8,618,710.00
32,286,323.00 28,799,564.00
91,543,834.00 80,776,376.00
8,602,260.00 10,000,000.00
4,805,075.00 4,094,874.00
254,362.00 117,801.00
534,750.00 910,455.00
- -
174,744,640.00 149,523,899.00
- -
534,797,848.00 360,733,108.00
2,595,704,396.00 1,906,621,541.00

2,964,757,189.00 3,642,830,231.00
84,746,527.00 173,483,062.00
752,687,954.00 285,356,045.00
27,067,799.00 104,482,499.00
41,322,381.00 307,355,083.00
905,824,661.00 870,676,689.00
2,058,932,528.00 2,772,153,542.00

806,808,184.00 1,306,935,483.00
- -
- -

1,252,124,344.00 1,465,218,059.00
 404,931,889.00 549,578,194.00
847,202,431.00 915,639,843.00
1,252,134,320.00 1,465,218,037.00

27.00 20.00
27.00 20.00
1.78 2.08
SOCIAL ISLAMI BANK LIMITED
CONSOLIDATED BALANCE SHEET
FOR THE YEAR ENDED 31 DCEMBER 2012 TO 2022
Particulars note(s) 31.1202021 31.12.2020
PROPERTY AND ASSETS
Cash in hand
Cash in han3(a) 3,416,614,856 2,973,262,850 2,949,359,808 2,344,325,541
Balance wi 3.1 20,075,647,654 30,400,773,390 28,949,172,602 23,735,810,359
3 23,492,262,510 33,374,036,240 31,898,532,410 26,080,135,900

Balance with other Banks and Financial Institutions

In Banglad 4(a) 7,030,447,503 3,889,054,019 2,288,375,533 1,159,076,554

Outside Ba 4.2 2,540,793,342 611,795,207 1,084,292,499 323,695,854
9,571,240,845 4,500,849,226 3,372,668,032 1,482,772,408
Placement w 5 9,662,743,194 6,200,795,494 6,826,069,299 5,911,619,899
Investment6(a)
Governments 20,165,050,000 14,462,160,000 13,692,300,000 9,200,000,000
Others 9,223,905,847 4,275,574,273 4,170,415,304 2,549,022,367
29,388,955,847 18,737,734,273 17,862,715,304 11,749,022,367
Investment7(a)

General investment et 296,821,586,727 287,594,854,278 251,238,985,230 229,634,994,597

Bills purchased and d 15,162,233,802 12,123,089,288 12,229,604,419 8,219,176,356
311,983,820,529 299,717,943,566 263,468,589,649 237,854,170,953

Fixed asset8(a) 4,261,357,069 4,446,983,032 3,613,716,895 3,572,253,103

Other asset9(a) 20,232,831,433 18,231,614,894 18,143,066,838 20,752,880,683
Non banking assets - - - -
Total assets 408,593,211,427 385,209,956,725 345,185,358,427 307,402,855,313
LIABILITIES ANd CAPITAL
Liabilities
Placement 10 - - - 8,000,000,000
Deposits a 11
Mudaraba savings dep 37,308,169,943 33,622,114,210 25,739,179,658 19,621,561,549
Mudaraba term deposi176,256,112,820 175,364,565,456 165,687,514,476 156,095,697,702
Other Mudaraba depo 80,399,200,511 72,789,409,014 64,112,318,321 43,569,089,182
Al-wadeeah11.2(a) 40,988,703,603 34,819,969,171 25,608,307,719 23,962,556,672
Bills payab 11.3 5,064,269,305 4,909,336,453 5,982,863,785 4,384,822,493
Cash Waqf fund 382,356,998 377,056,255 342,710,311 317,048,976
340,398,813,180 321,882,450,559 287,472,894,270 247,950,776,574
BOND
SIBL mudar 12 5,600,000,000 8,000,000,000 9,400,000,000 10,800,000,000
SLBL mudar 13 5,000,000,000 1,500,000,000 - -
10,600,000,000 9,500,000,000 9,400,000,000 10,800,000,000
Other liabil14(a) 37,731,786,286 35,292,055,497 30,905,629,453 24,789,270,400
Deferred tax 15(a) 465,541,725 439,019,598 94,704,927 75,437,019
Total liabili 3 389,196,141,191 367,113,525,654 327,873,228,650 291,615,483,993
Capital/Shareholders' equity
Paid-up-cap 16.2 9,849,088,440 9,380,084,230 8,933,413,560 8,121,285,060
Statutory r 17 7,605,264,974 7,030,390,821 6,422,261,269 5,795,455,397
General re 17(a) 13,938,397 11,314,058 9,843,356 10,764,250
Other reserve 8,500,000 - - -
Revaluation 18 557,024,130 571,142,055 931,379,261 954,998,771
Retaineed 19(a) 1,363,252,358 1,103,498,067 1,015,230,517 904,866,027
Total shareholders eq 19,397,068,299 18,096,429,231 17,312,127,963 15,787,369,505
Non controlling intere 1,937 1,840 1,814 1,812
Total shareholders eq 19,397,070,236 18,096,431,071 17,312,129,777 15,787,371,318
Total liabilities and s 408,593,211,427 385,209,956,725 345,185,358,427 307,402,855,310
CONTIGENT LIABILITIES

Accptance 20.1 21,739,997,400 21,329,871,746 21,931,661,800 20,129,420,463

Irrevocal Le 20.2 21,109,424,352 15,362,950,636 15,775,047,149 15,834,150,200
Letters of 20.3 9,340,583,965 10,352,181,319 11,322,648,716 10,532,813,165
Bills of Col 20.4 7,273,898,617 5,394,930,566 4,565,448,355 4,189,581,976
Other conti 20.5 - - - -
Total 59,463,904,334 52,439,934,267 53,594,806,020 50,685,965,804

OTHER COMMITMENTS
Documentary credits a- - - -
Forward assets purcha- - - -
Undrawn note issuance - - - -
Undrawn formal standby- - - -
Commitments - - - -
Total - - - -
Total Off Balance She - - - -
Contigent Liabilities 59,463,904,334 52,439,934,267 53,594,806,020 50,685,965,804

Consolidate39(i) 19.69 18.37 18.46 17.67

31.1202021 31.12.2020 31.121.2019 31.12.1018

2,369,319,898 1,816,338,179 1,145,970,455 976,302,191 1,267,213,967 1,104,657,620

21,457,534,554 16,131,320,942 13,535,893,678 11,145,075,318 7,627,790,250 10,020,554,834
23,826,854,452 17,947,659,121 14,681,864,133 12,121,377,509 8,895,004,217 11,125,212,454

532,102,415 842,645,333 3,504,739,496 2,577,414,418 1,899,243,196 2,726,839,850

366,064,370 423,996,755 355,321,944 332,880,245 1,178,527,956 849,779,375
898,166,785 1,266,642,088 3,860,061,440 2,910,294,663 3,077,771,152 3,576,619,225
10,736,619,899 7,196,666,624 6,586,715,074 9,474,249,214 9,064,879,564 9,064,879,564

9,100,000,000 9,150,000,000 6,040,000,000 5,116,000,000 5,500,000,000 2,900,000,000

2,502,525,517 1,680,581,919 1,702,395,236 1,227,727,286 1,558,185,070 1,764,016,584
11,602,525,517 10,830,581,919 7,742,395,236 6,343,727,286 7,058,185,070 4,664,016,584

201,932,884,191 166,581,331,180 123,370,222,992 98,511,135,398 76,348,581,962 66,459,100,077

7,362,624,894 7,194,802,194 10,486,626,911 9,288,823,913 9,523,749,964 9,565,873,831
209,295,509,085 173,776,133,374 133,856,849,903 107,799,959,311 85,872,331,926 76,024,973,908

3,491,020,793 3,268,326,670 3,082,507,826 2,683,691,549 2,662,660,343 2,256,597,940

16,439,780,117 13,529,293,052 10,198,251,397 12,252,008,976 9,770,561,641 8,165,811,105
- - - - - -
276,290,476,648 227,815,302,848 180,008,645,009 153,585,308,508 126,401,393,913 114,878,110,780

5,000,000,000 3,000,000,000 1,000,000,000 6,150,000,000 4,700,000,000 4,700,000,000

16,876,607,874 13,899,504,009 14,273,504,098 9,818,279,970 6,468,729,754 4,905,319,144

138,266,642,919 111,657,941,041 88,616,744,207 75,356,410,289 62,746,867,195 62,267,653,508
42,123,348,876 40,060,818,730 29,983,914,560 23,923,887,375 19,288,768,828 13,984,000,422
 25,629,690,923 19,406,875,568 15,206,974,110 12,789,580,088 11,936,321,181 10,585,704,537
5,233,509,848 5,031,314,320 1,251,915,364 2,277,639,901 1,316,909,958 1,465,257,228
277,925,332 236,879,638 178,828,552 99,275,350 84,577,685 68,903,770
228,407,725,772 190,293,333,306 149,511,880,891 124,265,072,973 101,842,174,601 93,276,838,609

6,400,000,000 3,000,000,000 3,000,000,000 - - -

- - - - - -
6,400,000,000 3,000,000,000 3,000,000,000 0 0 0
22,260,690,365 17,306,863,759 13,531,999,349 10,991,253,286 8,765,394,391 6,699,267,451
38,392,503 21,775,365 9,648,241 5,995,379 1,577,248 70,528
262,106,808,640 213,621,972,430 167,053,528,481 141,412,321,638 115,309,146,240 104,676,176,588

7,382,986,420 7,382,986,420 7,031,415,640 7,031,415,640 7,031,415,640 6,393,925,700

5,025,796,447 4,318,771,137 3,480,332,295 2,784,497,917 2,122,994,344 1,718,062,455
8,570,541 6,154,312 4,275,913 2,790,193 6,666,534 742,432
- - - - - -
979,221,345 1,004,065,009 1,029,545,693 1,055,679,727 1,082,485,102 1,109,979,121
787,091,456 1,481,351,830 1,409,545,341 1,298,601,774 848,684,454 930,222,915
14,183,666,209 14,193,328,708 12,955,114,882 12,172,985,251 11,092,246,074 10,152,932,623
1,797 1,710 1,645 1,617 1,597 1,570
14,183,668,006 - - - - -
276,290,476,646 227,815,302,848 180,008,645,008 153,585,308,506 126,401,393,911 114,829,110,781

28,726,126,414 23,002,645,081 18,431,674,020 15,302,832,788 14,986,882,397 12,634,753,997

20,910,040,289 21,928,766,660 14,467,256,620 11,017,261,193 9,854,239,886 7,395,594,893
14,094,167,946 11,485,872,882 7,379,609,632 3,936,013,964 3,246,076,013 4,949,826,296
4,239,277,561 3,434,061,967 2,818,276,011 1,905,746,855 2,383,031,491 2,784,274,732
- - - - - -
67,969,612,210 59,851,346,590 43,096,816,283 32,161,854,800 30,470,229,787 27,764,449,918

- -
- -
- -
- -
- -
- -
- -
67,969,612,210 59,851,346,590
- -
- -
- -
- -
- -
- -
- -
43,096,816,283 32,161,854,800
- -
- -
- -
- -
- -
- -
- -
30,470,229,787 27,764,449,918

17.46 17.46 17.46 17.46 17.46 17.46