 |
|
| |
Fiscal Year
2006/2007 |
Fiscal Year
2005/2006 |
Fiscal Year
2004/2005 |
Net Worth
|
1,878,124 |
1,415,440 |
1,180,173 |
Deposits
|
24,488,856 |
18,927,306 |
14,254,574 |
Loans, Discounts,
Overdraft
|
17,769,100 |
13,178,152 |
10,453,164 |
| Operating Profit |
857,229 |
648,118 |
473,976 |
| Net Profit |
501,398 |
350,536 |
232,147 |
| Capital Adequacy Ratio |
12.17% |
11.97% |
11.60% |
| |
|
|
|
UNAUDITED FINANCIAL RESULTS (Quartly)
As at Third Quarter (12/04/2008) of Fiscal Year 2007/08
|
| |
|
|
Figs. In NPR (‘000) |
| S. No. |
Particulars |
This
Quarter Ending
|
Previous
Quarter Ending |
Corresponding
Previous Year Quarter Ending |
|
1 |
Total Capital and Liabilities (1.1 to 1.7) |
35,353,970 |
33,514,928
|
25,012,577
|
|
1.1 |
Paid Up Capital |
1,203,048 |
1,002,634 |
801,352
|
|
1.2 |
Reserve and
Surplus |
1,351,983 |
1,178,847
|
958,800
|
|
1.3 |
Debenture and
Bond |
800,000 |
800,000 |
550,000 |
|
1.4 |
Borrowings |
350,000 |
150,000 |
- |
|
1.5 |
Deposit (a+b) |
30,468,123 |
29,243,476 |
21,680,132
|
|
|
a. Domestic
Currency |
27,302,180 |
25,278,236
|
18,537,555
|
|
|
b. Foreign Currency |
3,165,943 |
3,965,240
|
3,142,577
|
|
1.6 |
Income Tax Liability
|
4,845 |
25,901
|
11,215
|
|
1.7 |
Other Liabilities |
1,175,971 |
1,114,070
|
1,011,078
|
|
|
|
|
|
|
|
2 |
Total Assets (2.1 to 2.7) |
35,353,970
|
3,514,928
|
25,012,577
|
|
2.1 |
Cash and Bank
Balance |
3,134,355 |
1,884,782
|
1,407,958
|
|
2.2 |
Money at Call
and Short Notice |
- |
300,000
|
461,400
|
|
2.3 |
Investments |
4,488,196 |
7,990,617 |
5,515,859
|
|
2.4 |
Loans and Advances(Gross) |
26,437,653 |
22,175,607
|
16,870,565 |
|
2.5 |
Fixed Assets
|
819,447 |
779,585 |
397,115 |
|
2.6 |
Non Banking
Assets(Net) |
1,125 |
1,125
|
1,500 |
|
2.7 |
Other Assets |
473,194 |
383,212 |
358,180 |
|
|
|
|
|
|
|
3 |
Profit
& Loss Account |
Up
to This Quarter |
Up
to Previous Quarter |
Up
to corresponding Previous year Quarter |
|
3.1 |
Interest Income |
1,515,540 |
957,440 |
1,129,178 |
|
3.2 |
Interest Expense |
(697,202) |
(438,868) |
(499,516) |
|
|
A. Net Interest
Income (3.1-3.2) |
818,338 |
518,572 |
629,662 |
|
3.3 |
Fees, Commission
and Discount |
151,536 |
90,058 |
116,015 |
|
3.4 |
Other Operating
Income |
47,903 |
33,342 |
32,218 |
|
3.5 |
Foreign Exchange
Gain/Loss(Net) |
125,471 |
85,034
|
109,933 |
|
|
B. Total Operating
Income (A+3.3+3.4+3.5) |
1,143,248 |
727,005 |
887,828 |
|
3.6 |
Staff Expenses |
(139,708) |
(92,852) |
(106,850) |
|
3.7 |
Other Operating
Expenses |
(226,492) |
(148,416) |
(171,337)
|
|
|
C. Operating
Profit Before Provision
(B-3.6-3.7) |
777,048 |
485,738 |
609,641 |
|
3.8 |
Provision for
Possible Losses |
(152,778) |
(93,331) |
(88,833)
|
|
|
D. Operating
Profit (C-3.8) |
624,270 |
392,407 |
520,808 |
|
3.9 |
Non Operating
Income/Expenses (Net) |
6,155 |
2,147
|
1,091 |
|
3.10 |
Write Back of
Provision for Possible Loss |
114,936 |
81,769 |
29,484 |
|
|
E. Profit from
Regular Activities (D+3.9+3.10) |
745,361 |
476,323 |
551,383 |
|
3.11 |
Extra-ordinary
Income/Expenses (Net) |
- |
- |
- |
|
|
F. Profit before
Bonus and Taxes (E+3.11) |
745,361 |
476,323 |
551,383 |
|
3.12 |
Provision for
Staff Bonus |
(67,760) |
(43,302) |
(50,126) |
|
3.13 |
Provision for
Tax |
(202,050) |
(130,606) |
(157,896) |
|
|
G. Net Profit/Loss
(F-3.12-3.13) |
475,551 |
302,415 |
343,361 |
|
|
|
|
|
|
|
4 |
Ratios |
At
the End of This Quarter |
At
the End of Previous Quarter |
At the End of Corresponding Previous Year Quarter Ending |
|
4.1 |
Capital Fund
to RWA |
11.03% |
11.05% |
11.44% |
|
4.2 |
Non Performing
Loan (NPL) to Total Loan |
1.36% |
1.69% |
1.90% |
|
4.3 |
Total Loan Loss
Provision to Total NPL |
149.41% |
137.00% |
144.50% |
|
|
|
