Lumbini Bank Limited
Trusted Financial Partner
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UNAUDITED FINANCIAL RESULTS (QUARTERLY) - As at 3rd Quarter (31/12/2066) of the Fiscal Year 2066/67

22-04-2010

( Rs In Thousand )
S.N. Particulars This Quarter Ending (2066.12.31) Previous Quarter Ending (2066.09.30)  Corresponding Previous Year Quarter Ending (2065.12.31)    
1. Total Capital and Liabilities (1.1 to 1.7)      7,709,598       8,094,792                  7,796,928
1.1 Paid Up Capital      1,294,548       1,288,028                  1,015,295
1.2 Reserve and Surplus          154,816           107,216                   (384,936)
1.3 Debenture and Bond                     -                        -                                   -  
1.4 Borrowings            10,710             14,547                        50,000
1.5 Deposits ( a.+ b.)      5,470,811       5,906,117                  6,141,913
  a. Domestic Currency      5,390,833       5,827,905                  6,038,619
  b. Foreign Currency            79,978             78,212                     103,294
1.6 Income Tax Liability              1,557               6,309                        (6,304)
1.7 Other Liabilities          777,156           772,575                     980,960
2. Total Assets (2.1 to 2.7)      7,709,598       8,094,792                  7,796,928
2.1 Cash and Bank Balance          735,075           513,448                     727,067
2.2 Money at Call and Short Notice            87,807           282,717                     585,000
2.3 Investments          842,659           840,922                     723,616
2.4 Loans and Advances ( a + b + c + d + e + f )      5,516,895       6,000,356                  5,463,619
  a. Real Estate Loan          410,969           364,202                     200,853
  b. Home/Housing Loan            95,116             82,660                     177,066
  c. Margin Type Loan              6,041               6,786                                 -  
  d. Term Loan      1,426,888       1,658,886                  1,602,133
  e. Overdraft Loan/TR Loan/WC Loan      3,575,436       3,836,135                  3,402,665
  f. Others              2,445             51,687                        80,902
2.5 Fixed Assets            54,335             45,654                        47,425
2.6 Non Banking Assets          132,893           109,109                     128,054
2.7 Other Assets          339,934           302,586                     122,147
3. Profit and Loss Account  Up to This Quarter   Up to Previous Quarter   Up to Corresponding Previous Year Quarter 
3.1 Interest Income          522,159           327,781                     418,298
3.2 Interest Expenses          234,818           152,442                     192,964
A. Net Interest Income ( 3.1-3.2 )          287,341           175,339                     225,334
3.3 Fees, Commission and Discount            15,158             10,533                        18,345
3.4 Other Operating Income            33,381             29,932                        95,843
3.5 Foreign Exchange Gain/Loss (Net)            12,812             10,025                        21,553
B. Total Operating Income ( A.+3.3+3.4+3.5 )          348,692           225,829                     361,075
3.6 Staff Expenses            45,624             30,800                        42,110
3.7 Other Operating Expenses            46,091             31,011                        45,768
C. Operating Profit Before Provision ( B.-3.6-3.7 )          256,977           164,018                     273,197
3.8 Provision for Possible Losses                     -                        -                                   -  
D. Operating Profit (C.-3.8)          256,977           164,018                     273,197
3.9 Non Operating Income/Expenses (Net)              1,606               1,462                           (672)
3.10 Write Back of Provision for Possible Loss          275,264           182,254                     160,740
E. Profit from Regular Activities (D.+3.9+3.10)          533,847           347,734                     433,265
3.11 Extraordinary Income/Expenses (Net)          (74,804)                 (373)                     (17,615)
F. Profit before Bonus and Taxes (E.+3.11)          459,043           347,361                     415,650
3.12 Provision for Staff Bonus            41,731             31,578                        37,786
3.13 Provision for Tax            63,256             35,032                        60,784
3.14 Deferred Tax            56,213             30,508  
G. Net Profit/Loss (F.-3.12-3.13)          297,843           250,243                     317,080
4. Ratios  At the End of This Quarter   At the End of Previous Quarter    At the End of Corresponding Previous Year Quarter 
4.1 Capital Fund to RWA 24.23% 22.46% 12.40%
4.2 Non Performing Loan (NPL) to Total Loan 4.66% 6.37% 9.87%
4.3 Total Loan Loss Provision to Total NPL 156.48% 136.15% 135.85%
4.4 Cost of Funds 6.75% 5.19% 3.46%
4.4 CD Ratio (Calculated as per NRB Directives) 80.31% 83.14% 82.00%
  Additional Information      
A Average Yield  11.19% 10.22% 9.70%
B Net interest Spread 4.04% 4.71% 6.24%
C Return on Equity 20.41% 21.53% 31.23%
D Return on Assets 3.93% 3.20% 4.55%