Financial Highlights |
 |
Unaudited Financial Results (Quarterly)
At the End of 3rd Quarter (13/04/2010) of the Fiscal Year 2066/67 (2009-2010) |
Rs. in '000
| S.No. |
Particulars |
This Quarter Ending 13th April 2010 |
Previous Quarter Ending 14th January 2010 |
Corresponding Previous Year Quarter Ended 13 April 2009 (Unaudited) |
| 1 |
Total Capital and Liabilities |
14,680,698 |
15,272,165 |
14,917,066 |
| 1.1 |
Paid-Up Capital |
1,860,315 |
1,860,315 |
1,822,777 |
| 1.2 |
Reserves and Surplus |
47,752 |
(83,233) |
(1,999,351) |
| 1.3 |
Debenture and Bond |
- |
- |
- |
| 1.4 |
Borrowings |
- |
- |
- |
| 1.5 |
Deposits (a+b) |
9,318,284 |
9,431,180 |
9,924,874 |
| a |
Domestic Currency |
9,177,009 |
9,253,813 |
9,751,298 |
| b |
Foreign Currency |
141,275 |
177,367 |
173,576 |
| 1.6 |
Income Tax Liability |
110,195 |
70,004 |
144,164 |
| 1.7 |
Other Liabilities |
3,344,151 |
3,993,898 |
5,024,602 |
| 2 |
Total Assets |
14,680,698 |
15,272,165 |
14,917,066 |
| 2.1 |
Cash & Bank Balance |
1,118,901 |
1,391,833 |
1,619,964 |
| 2.2 |
Money at Call and Short Notice |
80,000 |
190,000 |
200,000 |
| 2.3 |
Investments |
1,681,624 |
1,968,380 |
2,282,664 |
| 2.4 |
Loans and Advances |
10,033,524 |
10,082,353 |
9,362,994 |
|
a. Real Estate Loan |
324,905 |
313,843 |
- |
| |
b. Home / Housing Loan |
604,636 |
609,221 |
- |
|
c. Margin Type Loan |
- |
- |
- |
|
d. Term Loan |
1,240,200 |
1,275,255 |
- |
| |
e. Overdraft Loan / TR Loan / WC Loan |
5,874,399 |
5,841,744 |
- |
|
f. Others |
1,989,384 |
2,042,290 |
- |
| 2.5 |
Fixed Assets |
153,614 |
152,455 |
148,848 |
| 2.6 |
Non Banking Assets |
- |
- |
2,882 |
| 2.7 |
Other Assets |
1,613,034 |
1,487,144 |
1,299,714 |
| 3 |
Profit and Loss Account |
Upto this Quarter |
Upto Previous Quarter |
Upto Corresponding Previous Year Quarter |
| 3.1 |
Interest Income |
793,070 |
533,148 |
720,352 |
| 3.2 |
Interest Expense |
337,491 |
219,461 |
307,121 |
| A |
Net Interest Income |
455,579 |
313,687 |
413,231 |
| 3.3 |
Fees, Commission and Discount |
86,473 |
53,932 |
90,561 |
| 3.4 |
Other Operating Income |
37,665 |
28,532 |
96,229 |
| 3.5 |
Foreign Exchange gain/loss(Net) |
40,776 |
26,957 |
47,648 |
| B |
Total Operating Income |
620,494 |
423,108 |
647,669 |
| 3.6 |
Staff Expense |
92,482 |
62,546 |
100,149 |
| 3.7 |
Other Operating Expense |
84,221 |
53,912 |
83,350 |
| C |
Operating Profit Before Provision |
443,791 |
306,649 |
464,170 |
| 3.8 |
Provision for Possible Losses/NBA |
119,019 |
104,653 |
149,846 |
| D |
Operating Profit |
324,772 |
201,997 |
314,324 |
| 3.9 |
Non Operating Income/Expense (Net) |
14,129 |
183 |
16,378 |
| 3.10 |
Write Back of Provision for possible losses |
657,722 |
606,149 |
861,024 |
| E |
Profit from Regular Activities |
996,622 |
808,329 |
1,191,726 |
| 3.11 |
Extraordinary Income Expenses (Net) |
- |
- |
- |
| F |
Profit Before Bonus and Taxes |
996,622 |
808,329 |
1,191,726 |
| 3.12 |
Provision for Staff Bonus |
90,602 |
73,484 |
108,339 |
| 3.13 |
Provision for Tax |
110,195 |
70,004 |
144,164 |
| G |
Net Profit/Loss |
795,825 |
664,840 |
939,223 |
| 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 |
11.50% |
11.26% |
-8.16% |
| 4.2 |
Non Performing Loan (NPL) to Total Loan |
14.97% |
16.17% |
29.90% |
| 4.3 |
Total Loan Loss Provision to Total NPL |
119.63% |
118.56% |
118.36% |
| 4.4 |
Average Cost of Fund |
4.69% |
4.52% |
- |
| 4.4 |
Net Interest Spread |
4.45% |
4.52% |
- |
| 4.4 |
Average Yield |
9.14% |
9.04% |
- |
| 4.4 |
CD Ratio (Calculated as per NRB Directives) |
93.53% |
94.47% |
- |
| 4.4 |
Return on Equity |
41.71% |
37.41% |
- |
| 4.4 |
Return on Assets |
5.42% |
4.35% |
- |
|
Note: Above position and performance are subject to change from Supervisory Authority and Statutory Auditor.
|
|
|
|
|
|
|
