Home › Financial Highlight › UNAUDITED FINANCIAL RESULT ( QUATERLY) As at 4TH Quarter (31/03/2069) of the Fiscal Year 2068/69
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UNAUDITED FINANCIAL RESULT ( QUATERLY) As at 4TH Quarter (31/03/2069) of the Fiscal Year 2068/69
14-08-2012
| Unaudited Financial Results (Quarterly) | |||||
| As at 4TH Quarter (31/03/2069) of the Fiscal Year 2068/69 | |||||
| NPR In '000 | |||||
| S.N. | Particulars | This Quarter Ending (2069.03.31) | Previous Quarter Ending (2068.12.30) | Corresponding Previous Year Quarter Ending (2068.03.32) AUDITED | |
| 1. | Total Capital and Liabilities (1.1 to 1.7) | 10,071,723 | 9,421,965 | 9,056,328 | |
| 1.1 | Paid Up Capital | 1,430,000 | 1,430,000 | 1,430,000 | |
| 1.2 | Reserve and Surplus | 612,613 | 527,069 | 419,169 | |
| 1.3 | Debenture and Bond | - | - | - | |
| 1.4 | Borrowings | - | - | - | |
| 1.5 | Deposits ( a.+ b.) | 7,668,599 | 7,053,476 | 6,772,996 | |
| a. Domestic Currency | 7,568,129 | 6,948,036 | 6,691,301 | ||
| b. Foreign Currency | 100,471 | 105,440 | 81,695 | ||
| 1.6 | Income Tax Liability | (948) | 2,756 | (10,974) | |
| 1.7 | Other Liabilities | 361,459 | 408,664 | 445,137 | |
| 2. | Total Assets (2.1 to 2.7) | 10,071,723 | 9,421,965 | 9,056,328 | |
| 2.1 | Cash and Bank Balance | 2,210,613 | 1,473,932 | 1,100,081 | |
| 2.2 | Money at Call and Short Notice | - | - | - | |
| 2.3 | Investments | 549,208 | 688,750 | 1,332,994 | |
| 2.4 | Loans and Advances ( a + b + c + d + e + f) | 6,979,191 | 6,892,905 | 6,213,112 | |
| a. Real Estate Loan | 1,160,410 | 1,186,090 | 912,338 | ||
| 1. Residential Real Estate Loan (Except personal Home Loan upto Rs. 10 Million) | 86,560 | 88,400 | 72,210 | ||
| 2. Business Complex & Residential Apartment Construction Loan | 235,360 | 221,430 | 112,510 | ||
| 3. Income Generating Commercial Complex Loan | 375,790 | 368,830 | 355,623 | ||
| 4. Other Real Estate Loan ( Including Land Purchase & Plotting) | 462,700 | 507,430 | 371,995 | ||
| b. Personal Home Loan of Rs. 10 Million or Less | 161,420 | 157,780 | 109,081 | ||
| c. Margin Type Loan | 27,040 | 25,710 | 63,539 | ||
| d. Term Loan | 914,110 | 807,310 | 714,669 | ||
| e. Overdraft Loan/TR Loan/WC Loan | 3,249,272 | 3,150,380 | 1,907,111 | ||
| f. Others | 1,466,939 | 1,565,635 | 2,506,374 | ||
| 2.5 | Fixed Assets | 113,443 | 112,246 | 100,647 | |
| 2.6 | Non Banking Assets | 74,089 | 78,182 | 74,427 | |
| 2.7 | Other Assets | 145,178 | 175,950 | 235,067 | |
| 3. | Profit and Loss Account | Up to This Quarter | Up to Previous Quarter | Up to Corresponding Previous Year Quarter | |
| 3.1 | Interest Income | 1,039,199 | 748,373 | 942,742 | |
| 3.2 | Interest Expense | 626,732 | 469,726 | 519,079 | |
| A. | Net Interest Income ( 3.1-3.2 ) | 412,467 | 278,647 | 423,664 | |
| 3.3 | Fees, Commission and Discount | 16,468 | 13,329 | 16,193 | |
| 3.4 | Other Operating Income | 22,599 | 12,380 | 16,449 | |
| 3.5 | Foreign Exchange Gain/Loss (Net) | 14,015 | 9,985 | 11,232 | |
| B. | Total Operating Income ( A.+3.3+3.4+3.5 ) | 465,549 | 314,341 | 467,538 | |
| 3.6 | Staff Expenses | 82,585 | 53,453 | 81,531 | |
| 3.7 | Other Operating Expenses | 110,666 | 71,403 | 115,965 | |
| C. | Operating Profit Before Provision ( B.-3.6-3.7 ) | 272,299 | 189,484 | 270,042 | |
| 3.8 | Provision for Possible Losses | 48,092 | 41,417 | 44,238 | |
| D. | Operating Profit (C.-3.8) | 224,206 | 148,068 | 225,804 | |
| 3.9 | Non Operating Income/Expenses (Net) | 2,125 | 361 | 1,623 | |
| 3.10 | Write Back of Provision for Possible Loss | 62,178 | 13,599 | 382,977 | |
| E. | Profit from Regular Activities (D.+3.9+3.10) | 288,509 | 162,028 | 610,403 | |
| 3.11 | Extraordinary Income/Expenses (Net) | 17,891 | 3,791 | (96,024) | |
| F. | Profit before Bonus and Taxes (E.+3.11) | 306,400 | 165,819 | 514,379 | |
| 3.12 | Provision for Staff Bonus | 27,855 | 15,074 | 46,762 | |
| 3.13 | Provision for Tax Last year | 202 | 202 | - | |
| 3.14 | Provision for Tax Current year | 62,966 | 42,644 | 51,408 | |
| 3.15 | Deferred Tax | 21,935 | 26,516 | ||
| G. | Net Profit/Loss (F.-3.12-3.13) | 193,444 | 107,899 | 389,693 | |
| 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 | 23.55% | 23.42% | 24.22% | |
| 4.2 | Non Performing Loan (NPL) to Total Loan | 0.47% | 0.93% | 0.96% | |
| 4.3 | Total Loan Loss Provision to Total NPL | 270.76% | 197.66% | 169.31% | |
| 4.4 | Cost of Funds | 9.24% | 9.56% | 9.18% | |
| 4.5 | CD Ratio (Calculated as per NRB Directives) | 73.09% | 77.95% | 73.25% | |
| Additional Information | |||||
| A | Average Yield | 13.46% | 12.82% | 12.32% | |
| B | Net interest Spread | 4.22% | 3.26% | 3.14% | |
| C | Return on Equity | 13.53% | 10.06% | 29.98% | |
| D | Return on Assets | 1.92% | 1.53% | 4.41% | |
| The above figures may change if directed by Statutory Auditors/ Regulatory Authorities. | |||||
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