Home › Financial Highlight › UNAUDITED FINANCIAL RESULTS (QUARTERLY) - As at 3rd Quarter (31/12/2066) of the Fiscal Year 2066/67
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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% |
Utilities
