Sonali Bank Limited

Court Building Branch, Rajshahi

Name MD. ABDULLAH AL BAQUI
Designation Senior Principal Officer
Date of Birth 19/05/1982
Joining Date 11/11/2010
Retirement Date 18/05/2041
Increament Date 1/7/2023
Present Basic 53610
Basic In the Time of Retirement 122875

Year Basic Increment Total PF rate Month Monthly Yearly Yearly Inerest rate Total Total PF Previous Total Inerest rate Total Total Balance
Deduction deduction deduction Interest Amount From Balance Balance interest
Divided 2 from Br. Br. before
interest
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17

2023 53610 53610 20% 6 13403 80418 46911 13.00% 6098 86516 86516 13.0% 1121262
2024 53610 2681 56291 20% 12 11258 135097 73178 13.00% 9513 144610 1121262 1265872 13.0% 145764 1411636
2025 56291 2815 59105 20% 12 11821 141852 76837 13.00% 9989 151841 1411636 1563477 13.0% 183513 1746990
2026 59105 2955 62060 20% 12 12412 148945 80678 13.00% 10488 159433 1746990 1906423 13.0% 227109 2133531
2027 62060 3103 65163 20% 12 13033 156392 84712 13.00% 11013 167404 2133531 2300936 13.0% 277359 2578295
2028 65163 3258 68421 20% 12 13684 164211 88948 13.00% 11563 175775 2578295 2754070 13.0% 335178 3089248
2029 68421 3421 71843 20% 12 14369 172422 93395 13.00% 12141 184563 3089248 3273812 13.0% 401602 3675414
2030 71843 3592 75435 20% 12 15087 181043 98065 13.00% 12748 193792 3675414 3869205 13.0% 477804 4347009
2031 75435 3772 79206 20% 12 15841 190095 102968 13.00% 13386 203481 4347009 4550490 13.0% 565111 5115602
2032 79206 3960 83167 20% 12 16633 199600 108117 13.00% 14055 213655 5115602 5329257 13.0% 665028 5994285
2033 83167 4158 87325 20% 12 17465 209580 113523 13.00% 14758 224338 5994285 6218623 13.0% 779257 6997880
2034 87325 4366 91691 20% 12 18338 220059 119199 13.00% 15496 235555 6997880 7233435 13.0% 909724 8143160
2035 91691 4585 96276 20% 12 19255 231062 125159 13.00% 16271 247333 8143160 8390492 13.0% 1058611 9449103
2036 96276 4814 101090 20% 12 20218 242615 131417 13.00% 17084 259699 9449103 9708802 13.0% 1228383 10937186
2037 101090 5054 106144 20% 12 21229 254746 137987 13.00% 17938 272684 10937186 11209870 13.0% 1421834 12631704
2038 106144 5307 111451 20% 12 22290 267483 144887 13.00% 18835 286318 12631704 12918023 13.0% 1642122 14560144
2039 111451 5573 117024 20% 12 23405 280857 152131 13.00% 19777 300634 14560144 14860778 13.0% 1892819 16753597
2040 117024 5851 122875 20% 12 24575 294900 159738 13.00% 20766 315666 16753597 17069263 13.0% 2177968 19247231
2041 122875 6144 129019 20% 5 25804 129019 77411 13.00% 10063 139082 19247231 19386313 13.0% 2502140 21888453

Year Basic Increment Total House Month Monthly Yearly Last Year Inerest rate Total Interest Principal Total
Rent Rate Deduction deduction Principal Interest Balance Balance Balance
Balance from Loan
1 2 3 4 5 6 7 8 9 10 11 12 13 14
2023 53610 53610 40% 6 21444 128664 10499265 0 10499265
2024 53610 2681 56291 40% 12 22516 270194 10499265 4.00% 419971 419971 10229071 10649041
2025 56291 2815 59105 40% 12 23642 283704 10229071 4.00% 409163 829133 9945366 10774500
2026 59105 2955 62060 40% 12 24824 297889 9945366 4.00% 397815 1226948 9647477 10874425

Page 1 HBL Debt Service Coverage

2027 62060 3103 65163 40% 12 26065 312784 9647477 4.00% 385899 1612847 9334693 10947541
2028 65163 3258 68421 40% 12 27369 328423 9334693 4.00% 373388 1986235 9006270 10992505
2029 68421 3421 71843 40% 12 28737 344844 9006270 4.00% 360251 2346486 8661426 11007912
2030 71843 3592 75435 40% 12 30174 362086 8661426 4.00% 346457 2692943 8299340 10992283
2031 75435 3772 79206 40% 12 31683 380191 8299340 4.00% 331974 3024916 7919149 10944066
2032 79206 3960 83167 40% 12 33267 399200 7919149 4.00% 316766 3341682 7519949 10861631
2033 83167 4158 87325 40% 12 34930 419160 7519949 4.00% 300798 3642480 7100789 10743269
2034 87325 4366 91691 40% 12 36677 440118 7100789 4.00% 284032 3926512 6660671 10587183
2035 91691 4585 96276 40% 12 38510 462124 6660671 4.00% 266427 4192939 6198547 10391485
2036 96276 4814 101090 40% 12 40436 485230 6198547 4.00% 247942 4440881 5713316 10154197
2037 101090 5054 106144 40% 12 42458 509492 5713316 4.00% 228533 4669413 5203824 9873238
2038 106144 5307 111451 40% 12 44581 534966 5203824 4.00% 208153 4877566 4668858 9546424
2039 111451 5573 117024 40% 12 46810 561715 4668858 4.00% 186754 5064320 4107143 9171464
2040 117024 5851 122875 40% 12 49150 589800 4107143 4.00% 164286 5228606 3517343 8745949
2041 122875 6144 129019 40% 5 51608 258038 3517343 4.00% 140694 5369300 3259305 8628605

Total Service Coverage 34606026

Total Debt Coverage 8628605 Total PF Fund 21888453
Debt Service Coverage 25977421 Pension Grutuity 12717573

Page 2 HBL Debt Service Coverage

 Sonali Bank Limited
Principal Office, Rajshahi
Name Md. Sumon Ali
Designation Officer
Date of Birth 4/10/1982
Joining Date 3/5/2012
Retirement Date 4/9/2040
Increament Date 7/1/2017
Present Basic 19460
Basic In the Time of Retirement .

Year Basic Increment Total PF rate Month Monthly Yearly Yearly Inerest rate Total Total PF Previous Total Inerest rate Total Total Balance
Deduction deduction deduction Interest Amount From Balance Balance interest
Divided 2 from Br. Br. before
interest
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17

2016 0 0 20% 12 0 0 0 13.00% 0 0 0 13.0% 152755

2017 19460 0 19460 20% 12 3892 46704 25298 13.00% 3289 49993 152755 202748 13.0% 19858 222606
2018 19460 973 20433 20% 12 4087 49039 26563 13.00% 3453 52492 222606 275098 13.0% 28939 304037
2019 20433 1022 21455 20% 12 4291 51491 27891 13.00% 3626 55117 304037 359154 13.0% 39525 398679
2020 21455 1073 22527 20% 12 4505 54066 29286 13.00% 3807 57873 398679 456552 13.0% 51828 508380
2021 22527 1126 23654 20% 12 4731 56769 30750 13.00% 3997 60766 508380 569146 13.0% 66089 635236
2022 23654 1183 24836 20% 12 4967 59607 32287 13.00% 4197 63805 635236 699041 13.0% 82581 781621
2023 24836 1242 26078 20% 12 5216 62588 33902 13.00% 4407 66995 781621 848616 13.0% 101611 950227
2024 26078 1304 27382 20% 12 5476 65717 35597 13.00% 4628 70345 950227 1020572 13.0% 123530 1144101
2025 27382 1369 28751 20% 12 5750 69003 37377 13.00% 4859 73862 1144101 1217963 13.0% 148733 1366697
2026 28751 1438 30189 20% 12 6038 72453 39246 13.00% 5102 77555 1366697 1444252 13.0% 177671 1621922
2027 30189 1509 31698 20% 12 6340 76076 41208 13.00% 5357 81433 1621922 1703355 13.0% 210850 1914205
2028 31698 1585 33283 20% 12 6657 79880 43268 13.00% 5625 85505 1914205 1999710 13.0% 248847 2248556
2029 33283 1664 34947 20% 12 6989 83874 45432 13.00% 5906 89780 2248556 2338336 13.0% 292312 2630649
2030 34947 1747 36695 20% 12 7339 88067 47703 13.00% 6201 94269 2630649 2724917 13.0% 341984 3066902
2031 36695 1835 38529 20% 12 7706 92471 50088 13.00% 6511 98982 3066902 3165884 13.0% 398697 3564581
2032 38529 1926 40456 20% 12 8091 97094 52593 13.00% 6837 103931 3564581 3668512 13.0% 463396 4131908
2033 40456 2023 42479 20% 12 8496 101949 55222 13.00% 7179 109128 4131908 4241036 13.0% 537148 4778184
2034 42479 2124 44603 20% 12 8921 107046 57983 13.00% 7538 114584 4778184 4892768 13.0% 621164 5513932
2035 44603 2230 46833 20% 12 9367 112399 60883 13.00% 7915 120313 5513932 5634245 13.0% 716811 6351057
2036 46833 2342 49174 20% 12 9835 118019 63927 13.00% 8310 126329 6351057 6477386 13.0% 825637 7303023
2037 49174 2459 51633 20% 12 10327 123920 67123 13.00% 8726 132646 7303023 7435669 13.0% 949393 8385062
2038 51633 2582 54215 20% 12 10843 130116 70479 13.00% 9162 139278 8385062 8524340 13.0% 1090058 9614398
2039 54215 2711 56926 20% 12 11385 136621 74003 13.00% 9620 146242 9614398 9760639 13.0% 1249872 11010511
2040 56926 2846 59772 20% 12 11954 143452 77703 13.00% 10101 153554 11010511 11164065 13.0% 1431366 12595432
2041 59772 2989 62760 20% 12 12552 150625 81589 13.00% 10607 161232 12595432 12756663 13.0% 1637406 14394069
2042 65898 0 65898 20% 6 13180 79078 46129 13.00% 5997 85074 14394069 14479144 13.0% 1871229 16350373

Page 3 HBL Debt Service Coverage

Year Basic Increment Total House Month Monthly Yearly Last Year Inerest rate Total Interest Principal Total
Rent Rate Deduction deduction Principal Interest Balance Balance Balance
Balance from Loan
1 2 3 4 5 6 7 8 9 10 11 12 13 14
0 0 2600000 0 2600000
2017 19460 0 19460 45% 12 8757 105084 2600000 5.00% 130000 130000 2494916 2624916
2018 19460 973 20433 45% 12 9195 110338 2494916 5.00% 124746 254746 2384578 2639324
2019 20433 1022 21455 45% 12 9655 115855 2384578 5.00% 119229 373975 2268723 2642697
2020 21455 1073 22527 45% 12 10137 121648 2268723 5.00% 113436 487411 2147075 2634486
2021 22527 1126 23654 45% 12 10644 127730 2147075 5.00% 107354 594765 2019345 2614109
2022 23654 1183 24836 45% 12 11176 134117 2019345 5.00% 100967 695732 1885228 2580960
2023 24836 1242 26078 45% 12 11735 140823 1885228 5.00% 94261 789993 1744405 2534398
2024 26078 1304 27382 45% 12 12322 147864 1744405 5.00% 87220 877213 1596541 2473755
2025 27382 1369 28751 45% 12 12938 155257 1596541 5.00% 79827 957041 1441285 2398325
2026 28751 1438 30189 45% 12 13585 163020 1441285 5.00% 72064 1029105 1278265 2307369
2027 30189 1509 31698 45% 12 14264 171171 1278265 5.00% 63913 1093018 1107094 2200112
2028 31698 1585 33283 45% 12 14977 179729 1107094 5.00% 55355 1148373 927365 2075737
2029 33283 1664 34947 45% 12 15726 188716 927365 5.00% 46368 1194741 738649 1933390
2030 34947 1747 36695 45% 12 16513 198152 738649 5.00% 36932 1231673 540497 1772171
2031 36695 1835 38529 45% 12 17338 208059 540497 5.00% 27025 1258698 332438 1591136
2032 38529 1926 40456 45% 12 18205 218462 332438 5.00% 16622 1275320 113976 1389296
2033 40456 2023 42479 45% 12 19115 229385 113976 5.00% 5699 1281019 -115409 1165610
2034 42479 2124 44603 45% 12 20071 240854 -115409 5.00% -5770 1275248 -356264 918985
2035 44603 2230 46833 45% 12 21075 252897 -356264 5.00% -17813 1257435 -609161 648275
2036 46833 2342 49174 45% 12 22129 265542 -609161 5.00% -30458 1226977 -874703 352275
2037 49174 2459 51633 45% 12 23235 278819 -874703 5.00% -43735 1183242 -1153522 29720
2038 51633 2582 54215 45% 12 24397 292760 -1153522 5.00% -57676 1125566 -1446282 -320716
2039 54215 2711 56926 45% 12 25617 307398 -1446282 5.00% -72314 1053252 -1753680 -700428
2040 56926 2846 59772 45% 12 26897 322768 -1753680 5.00% -87684 965568 -2076448 -1110880
2041 59772 2989 62760 45% 12 28242 338906 -2076448 5.00% -103822 861746 -2415354 -1553609
2042 62760 3138 65898 45% 12 29654 355852 -2415354 5.00% -120768 740978 -2771206 -2030228

Total Service Coverage 20304253

Total Debt Coverage -2030228 Total PF Fund 16350373 Demandable 2600000 Demanded 2600000
Debt Service Coverage 22334481 Pension Grutuity 3953880 Principle 2600000
Receiveable 2600000

Page 4 HBL Debt Service Coverage

 1081080 79760 40020
1634340 407453 104500
115200 90818 36740
3372000 278050 281020
2586060 497091 86300
4594800 126818 393065
1903320 145596 398000
3209040 215178 92460
1831800 37650 173420
1758900 617656 363580
4976040 1892846 25100
159840 393236 673520
2450580 107993 277575
2171820 760649 269160
4377120 81320 145875
1029660 307992 40020
2041140 40150 41040
82080 79305 195040
2230560 188054 20000
1511160 324762 295280
3433200 6672377 3951715
1321920
469320
2187000
1042260
3382170

54952410 54977510

54984292.1
-6782.10000000149

12000000 6197539
20000000 3088067
50000000 50442256
50000000 43326073

30000000 30049900

46785976 1115836

3651192
4651263
6704065
5155564
6685435
7616574
9514514
30000000 15496559

22500000 6964295

30000000 27871611

30000000 30420475

7500000 7593360
7500000 7593360
7500000 7593360
7500000 7593360
30000000 30382550
37446 3000
14979 9000
1545 6000
618 6000
1748 3000
699 7500
360 15000
144 15000
1100 22500
1701 7500
2835 94500
660
63835
 STOCK PURCHA
TOTALS:
SED

DATE Purchas PURCHASE P PURCHASE

ACCOUNT QTY Trade Fees
ed RICE COST

1 AAMRANET 6/29/2022 1100 53.12 58432.00

2 ACMELAB 8/17/2022 2000 80.85 161700.00

3 APEXFOODS 10/29/2022 610 307.94 187843.40

4 BESTHLDING 1/13/2021 2612 24.00 62688.00

5 BEXIMCO 12/8/2020 501 139.83 70054.83

6 BSC 1/19/2021 1130 123.82 139916.60

7 DHAKAINS 12/19/2019 3649 54.16 197629.84

8 EASTRNLUB 1/13/2021 423 1,587.29 671423.67

9 EXIMBANK 7000 9.83 68810.00

10 GENEXIL 100 69.84 6984.00

11 GIB 15000 9.20 138000.00

12 IFIC 11000 12.00 132000.00

13 JAMUNAOIL 1601 179.30 287059.30

14 LHBL 5200 75.56 392912.00

15 MONOSPOOL 126 261.43 32940.18

16 MPETROLEUM 10 204.50 2045.00

17 OIMEX 2900 22.19 64351.00

18 OLYMPIC 1300 154.20 200460.00

19 RAKCERAMIC 7000 41.25 288750.00

 Unrealized Gain
Current PRICE Current VALUE
/Loss POSITION STOP LOSS

B 56.00
B 85.00
B

S 126.00
S 55.00
-
B
B
B
B

S 25.00
S 155.00
B
 STOCK $9,232.75 $1,797.35
SOLD

DATE Sol INCOME from Realized Gai Realized % Gai

NOTE SELL PRICE
d Sale n/Loss n/Loss

- - -

- - -

- - -

- - -

- - -

- - -

5/17/2021 $360.10 $7,202.00 $2,391.60 49.72%

3/5/2021 $81.23 $2,030.75 ($594.25) -22.64%

 FORMAT FORMAT
CAGR
2 DIGITS %

20.34% $0.00 0.00%

13.62% $0.00 0.00%

19.86% $0.00 0.00%

-2.93% $0.00 0.00%

4.31% $0.00 0.00%

1.44% $0.00 0.00%

33.11% $0.00 0.00%

-84.07% $0.00 0.00%