Home › Financial Highlight › UNAUDITED FINANCIAL RESULTS (QUARTERLY) As at 1st Quarter (31/06/2067) of the Fiscal Year 2067/68
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UNAUDITED FINANCIAL RESULTS (QUARTERLY) As at 1st Quarter (31/06/2067) of the Fiscal Year 2067/68
12-12-2010
| Rs. In '000 | ||||
| S.N. | Particulars | This Quarter Ending (2067.06.31) | Previous Quarter Ending (2067.03.32) Audited | Corresponding Previous Year Quarter Ending (2066.06.31) |
| 1. | Total Capital and Liabilities (1.1 to 1.7) | 7,896,845 | 7,922,281 | 7,804,899 |
| 1.1 | Paid Up Capital | 1,294,548 | 1,294,548 | 1,103,579 |
| 1.2 | Reserve and Surplus | 216,495 | 161,039 | 22,425 |
| 1.3 | Debenture and Bond | - | - | - |
| 1.4 | Borrowings | 21,335 | 14,972 | 37,063 |
| 1.5 | Deposits ( a.+ b.) | 5,844,950 | 5,767,974 | 5,864,225 |
| a. Domestic Currency | 5,774,347 | 5,692,267 | 5,779,995 | |
| b. Foreign Currency | 70,603 | 75,707 | 84,230 | |
| 1.6 | Income Tax Liability | 9,700 | (4,260) | 16,451 |
| 1.7 | Other Liabilities | 509,817 | 688,008 | 761,156 |
| 2. | Total Assets (2.1 to 2.7) | 7,896,845 | 7,922,281 | 7,804,899 |
| 2.1 | Cash and Bank Balance | 594,837 | 830,511 | 645,003 |
| 2.2 | Money at Call and Short Notice | - | 147,709 | 415,046 |
| 2.3 | Investments | 1,532,586 | 1,078,896 | 723,607 |
| 2.4 | Loans and Advances ( a + b + c + d + e) | 5,324,242 | 5,492,910 | 5,592,630 |
| a. Real Estate Loan | 798,777 | 507,037 | 367,609 | |
| 1. Residential Real Estate Loan | 144,834 | 107,261 | 89,891 | |
| 2. Business Complex & Residential Apartment Construction Loan | 113,935 | 103,710 | 62,802 | |
| 3. Income Generating Commercial Complex Loan | 130,884 | 132,449 | 140,242 | |
| 4. Other Real Estate Loan ( Including Land Purchase & Plotting) | 409,124 | 163,617 | 74,674 | |
| b. Margin Type Loan | 11,774 | 5,648 | 3,543 | |
| c. Term Loan | 362,262 | 401,993 | 349,530 | |
| d. Overdraft Loan/TR Loan/WC Loan | 1,924,021 | 2,549,291 | 2,536,260 | |
| e. Others | 2,227,408 | 2,028,941 | 2,335,688 | |
| 2.5 | Fixed Assets | 98,179 | 66,622 | 45,745 |
| 2.6 | Non Banking Assets | 129,177 | 130,468 | 112,674 |
| 2.7 | Other Assets | 217,824 | 175,165 | 270,194 |
| 3. | Profit and Loss Account | Up to This Quarter | Up to Previous Quarter | Up to Corresponding Previous Year Quarter |
| 3.1 | Interest Income | 197,150 | 713,357 | 149,291 |
| 3.2 | Interest Expense | 111,627 | 336,201 | 74,958 |
| A. Net Interest Income ( 3.1-3.2 ) | 85,523 | 377,156 | 74,333 | |
| 3.3 | Fees, Commission and Discount | 5,478 | 18,634 | 5,217 |
| 3.4 | Other Operating Income | 3,387 | 36,071 | 15,328 |
| 3.5 | Foreign Exchange Gain/Loss (Net) | 2,945 | 16,455 | 5,322 |
| B. Total Operating Income ( A.+3.3+3.4+3.5 ) | 97,333 | 448,316 | 100,200 | |
| 3.6 | Staff Expenses | 15,586 | 67,357 | 15,386 |
| 3.7 | Other Operating Expenses | 20,808 | 78,913 | 14,752 |
| 3.7 | Other Operating Expenses | 60,939 | 302,046 | 70,062 |
| 3.8 | Provision for Possible Losses | - | - | - |
| C. Operating Profit (C.-3.8) | 60,939 | 302,046 | 70,062 | |
| 3.9 | Non Operating Income/Expenses (Net) | 1,498 | 1,644 | 632 |
| 3.10 | Write Back of Provision for Possible Loss | 196,993 | 278,520 | 147,350 |
| D. Profit from Regular Activities (D.+3.9+3.10) | 259,430 | 582,210 | 218,044 | |
| 3.11 | Extraordinary Income/Expenses (Net) | (173,679) | (72,235) | - |
| E. Profit before Bonus and Taxes (E.+3.11) | 85,751 | 509,975 | 218,044 | |
| 3.12 | Provision for Staff Bonus | 7,796 | 46,361 | 19,822 |
| 3.13 | Provision for Tax | 22,500 | 159,548 | 32,770 |
| F. Net Profit/Loss (F.-3.12-3.13) | 55,455 | 304,066 | 165,452 | |
| 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 | 25.02% | 24.62% | 22.37% |
| 4.2 | Non Performing Loan (NPL) to Total Loan | 3.58% | 4.53% | 6.98% |
| 4.3 | Total Loan Loss Provision to Total NPL | 99.43% | 155.02% | 141.26% |
| 4.4 | Cost of Funds | 8.65% | 6.35% | 4.97% |
| 4.5 | CD Ratio (Calculated as per NRB Directives) | 74.01% | 77.85% | 78.94% |
| Additional Information | ||||
| A | Average Yield | 13.64% | 10.48% | 9.71% |
| B | Net interest Spread (A-B) | 4.99% | 4.13% | 4.74% |
| C | Return on Equity | 17.14% | 23.49% | 59.97% |
| D | Return on Assets | 2.81% | 4.10% | 8.48% |
Utilities
