Lumbini Bank Limited
Trusted Financial Partner
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UNAUDITED FINANCIAL RESULT ( QUATERLY) As at 3rd Quarter (30/12/2068) of the Fiscal Year 2068/69

13-05-2012

Unaudited Financial Results (Quarterly)
As at 3rd Quarter (30/12/2068) of the Fiscal Year 2068/69
          NPR In '000
S.N. Particulars This Quarter Ending (2068.12.30) Previous Quarter Ending (2068.09.30)  Corresponding Previous Year Quarter Ending (2067.12.30)
1. Total Capital and Liabilities (1.1 to 1.7)  9,421,965  9,303,844  8,815,211
  1.1 Paid Up Capital  1,430,000  1,430,000  1,300,000
  1.2 Reserve and Surplus  527,069  475,428  409,924
  1.3 Debenture and Bond      -         -        -  
  1.4 Borrowings      -         -    28,503
  1.5 Deposits ( a.+ b.)  7,053,476  7,006,941  6,555,486
    a. Domestic Currency  6,948,036  6,884,363  6,490,964
    b. Foreign Currency 105,440  122,578  64,522
  1.6 Income Tax Liability 2,756  6,155  2,294
  1.7 Other Liabilities  408,664  385,320  519,003
2. Total Assets (2.1 to 2.7) 9,421,965 9,303,844 8,815,211
  2.1 Cash and Bank Balance    1,473,932  1,382,239  913,905
  2.2 Money at Call and Short Notice         -           -        -  
  2.3 Investments  688,750  920,452  1,554,290
  2.4 Loans and Advances ( a + b + c + d + e + f)  6,892,905  6,636,415  5,888,989
    a. Real Estate Loan  1,186,090  1,166,410  782,020
        1. Residential Real Estate Loan (Except personal Home Loan upto  Rs. 10 Million)  88,400  77,810  68,449
        2. Business Complex & Residential Apartment Construction Loan   221,430  221,240  106,260
        3. Income Generating Commercial Complex Loan  368,830  370,610  169,435
        4. Other Real Estate Loan ( Including Land Purchase & Plotting)  507,430  496,750  437,876
    b. Personal Home Loan of Rs. 10 Million or Less  157,780  145,630  102,187
    c. Margin Type Loan  25,710  52,740  40,691
    d. Term Loan  807,310  811,133  630,700
    e. Overdraft Loan/TR Loan/WC Loan  3,150,380  2,929,961  2,026,262
    f. Others  1,565,635  1,530,541  2,307,129
  2.5 Fixed Assets  112,246  112,529  86,760
  2.6 Non Banking Assets  78,182  56,607  75,327
  2.7 Other Assets  175,950  195,602  295,941
3. Profit and Loss Account  Up to This Quarter   Up to Previous Quarter   Up to Corresponding Previous Year Quarter 
  3.1 Interest Income  748,373  498,560  672,889
  3.2 Interest Expense  469,726  316,891  366,141
A.  Net Interest Income ( 3.1-3.2 )  278,647  181,669  306,748
  3.3 Fees, Commission and Discount  13,329  9,553  12,839
  3.4 Other Operating Income  12,380  8,230  12,760
  3.5 Foreign Exchange Gain/Loss (Net)  9,985  7,126  8,790
B.  Total Operating Income ( A.+3.3+3.4+3.5 )  314,341  206,579 341,137
  3.6 Staff Expenses  53,453  35,435  49,474
  3.7 Other Operating Expenses  71,403  47,545  69,747
C.  Operating Profit Before Provision ( B.-3.6-3.7 ) 189,484  123,598 221,916
  3.8 Provision for Possible Losses  41,417  62,081  -  
D.  Operating Profit (C.-3.8)  148,068  61,517  221,916
  3.9 Non Operating Income/Expenses (Net)  361  180  45,895
  3.10 Write Back of Provision for Possible Loss  13,599  30,538  271,729
E.  Profit from Regular Activities (D.+3.9+3.10) 162,028  92,236  539,540
  3.11 Extraordinary Income/Expenses (Net)  3,791  3,791  (170,680)
F.  Profit before Bonus and Taxes (E.+3.11)  165,819  96,027  368,860
  3.12 Provision for Staff Bonus  15,074  8,730  33,533
  3.13 Provision for Tax Last year  202  202  
  3.14 Provision for Tax This year  42,644  30,837  49,171
G.  Net Profit/Loss (F.-3.12-3.13)  107,899  56,259  286,156
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 23.42% 23.62% 23.67%
  4.2 Non Performing Loan (NPL) to Total Loan 0.93% 1.60% 2.46%
  4.3 Total Loan Loss Provision to Total NPL 197.66% 141.55% 85.53%
  4.4 Cost of Funds 9.56% 9.72% 8.90%
  4.5 CD Ratio (Calculated as per NRB Directives) 77.95% 76.04% 72.24%
    Additional Information      
A Average Yield 12.82% 12.84% 11.66%
Net interest Spread 3.26% 3.12% 2.76%
Return on Equity 10.06% 7.87% 29.35%
D Return on Assets 1.53% 1.21% 4.33%
Figures are regrouped whereever necessary and also may change if directed by Statutory Auditors/ Regulatory Authorities.