(Continuation news of FIRSTFIN): which Tk. 8,08,00,000.00 will be expensed in 2019 and Tk. 21,94,924.00 will be amortized in 2020. (4) Referring to Note 3.01.01 (a) of Financial Statements, in respect of Cash reserve requirement (CRR), there was shortage in maintenance of CRR for the months of January to June 2018 for which the company has paid a token penalty to Bangladesh Bank amounting to Tk. 20,00,000.00. (cont. 6)