Home › Financial Highlight › UNAUDITED FINANCIAL RESULT ( QUATERLY) As at 3rd Quarter (30/12/2068) of the Fiscal Year 2068/69
Text size:
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% | |
| B | Net interest Spread | 3.26% | 3.12% | 2.76% | |
| C | 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. | |||||
Utilities
