Lumbini Bank Limited
Trusted Financial Partner
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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%
Net interest Spread (A-B) 4.99% 4.13% 4.74%
Return on Equity 17.14% 23.49% 59.97%
D Return on Assets 2.81% 4.10% 8.48%