Lumbini Bank Limited
Trusted Financial Partner
Text size: Smaller Font View Normal Font View Larger Font View

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%
Net interest Spread 4.22% 3.26% 3.14%
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.