As at 4th Quarter (31/03/2066) of the Fiscal Year 2065/66 |
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Rs. in '000 |
| S. N. |
Particulars |
This Quarter Ending as on 31.12.2065 (13.04.2009) |
Previous Quarter Ending as on 29.09.2065 (13.01.2009) |
Corresponding Previous Year Quarter Ending as on 30.12.2064 (12.04.2008) |
| 1 |
Total Capital and Liabilities (1.1 to 1.7) |
30,932,861 |
30,450,153 |
17,187,446 |
| 1.1 |
Paid Up Capital |
874,528 |
874,528 |
874,528 |
| 1.2 |
Reserve and surplus |
874,467 |
765,299 |
540,117 |
| 1.3 |
Debenture and Bond |
200,000 |
200,000 |
200,000 |
| 1.4 |
Borrowings |
727,466 |
1,956,333 |
1,627,480 |
| 1.5 |
Deposits (a+b) |
27,957,221 |
26,329,442 |
13,715,395 |
|
a. Domestic Currency |
17,687,754 |
15,124,547 |
13,537,322 |
|
b. Foreign Currency |
10,269,467 |
11,204,894 |
178,073 |
| 1.6 |
Income Tax Liability |
- |
86,565 |
- |
| 1.7 |
Other Liablities |
299,179 |
237,985 |
229,926 |
| 2 |
Total Assets (2.1 to 2.7) |
30,932,861 |
30,450,153 |
17,187,446 |
| 2.1 |
Cash and Bank Balance |
1,910,919 |
3,244,249 |
1,342,960 |
| 2.2 |
Money at Call and Short Notice |
- |
- |
304,013 |
| 2.3 |
Investments |
13,286,182 |
12,918,638 |
3,088,887 |
| 2.4 |
Loans and Advances (Net) |
15,131,748 |
13,738,040 |
12,113,698 |
| 2.5 |
Fixed Assets (Net) |
255,317 |
241,185 |
120,222 |
| 2.6 |
Non Banklng Assets (Net) |
- |
3,771 |
- |
| 2.7 |
Other Assets |
348,695 |
304,271 |
217,665 |
| 3 |
Profit and Loss Account |
Up to this Quarter Ending as on 31.03.2066 (15.07.2009) |
Up to the Previous Quarter Ending as on 31.12.2065 (13.04.2009) |
Up to the Corresponding Previous Year Quarter Ending as on 31.03.2065 (15.07.2008) : Audited |
| 3.1 |
Interest Income |
1,460,446 |
963,645 |
970,513 |
| 3.2 |
Interest Expenses |
824,700 |
540,154 |
454,918 |
|
A Net Interest Income (3.1-3.2) |
635,745 |
423,491 |
515,595 |
| 3.3 |
Fees, Commission and Discount |
78,803 |
50,040 |
50,918 |
| 3.4 |
Other Operating Income |
52,537 |
29,106 |
19,557 |
| 3.5 |
Foreign Exchange Gain/Loss (Net) |
61,294 |
41,415 |
51,989 |
|
B. Total Operating Income (A.+3.3+3.4+3.5) |
828,380 |
544,052 |
638,059 |
| 3.6 |
Staff Expenses |
98,065 |
71,583 |
74,890 |
| 3.7 |
Other Operating Expenses |
223,634 |
141,824 |
152,380 |
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C. Operating Profit Before Provision (B.-3.6-3.7) |
506,681 |
330,645 |
410,789 |
| 3.8 |
Provision for Possible Losses |
40,345 |
12,954 |
57,464 |
|
D. Operating Profit (C.-3.8) |
466,336 |
317,691 |
353,325 |
| 3.9 |
Non Operating Income/Expenses (Net) |
2,516 |
778 |
(271) |
| 3.10 |
Write Back of Provision for Possible Loss |
198,673 |
136,196 |
29,783 |
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E. Profit From Regular Activities (D + 3.9+3.10) |
667,525 |
454,664 |
382,837 |
| 3.11 |
Extraordinary Income/Expenses (Net) |
(156,221) |
(111,742) |
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F. Profit before Bonus and Taxes (E + 3.11) |
511,304 |
342,922 |
382,837 |
| 3.12 |
Provision for Staff Bonus |
46,482 |
31,175 |
34,803 |
| 3.13 |
Provision for Tax |
130,472 |
86,565 |
100,263 |
|
G. Net Profit/Loss (F-3.12-3.13) |
334,350 |
225,182 |
247,771 |
| 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 Risk Weighted Assets (RWA)** |
12.18% |
11.67% |
12.32% |
| 4.2 |
Non Performing Loan (NPL) to Total Loan |
2.02% |
2.59% |
3.83% |
| 4.3 |
Total Loan Loss Provision to Total NPL |
152.02% |
137.67% |
129.51% |
| ** The Capital Fund to RWA for Current Quarter & Previous Quarter has been calculated as per Basel II & as per Basel I for the Corresponding Previous Year Quarter |
| ***During this FY, the bank has written off Rs. 16,49,00,828.49 loan as per NRB Directive on Loan (Book) Write Off. It has been shown under "Extraordinary Income / Expenses". The amount of "Writeback of Provision for Possible Loss" disclosed above includes Rs. 16,49,00,828.49 resulting from loan write off. |
| *** Provision for Tax includes Deferred Tax Income Rs. 18,19,839 and Write Off of Prepaid Income Tax (related to earlier years) Rs. 25,82,900.00 |
| Note: The figure are subject to change as per directions, if any, resulting from Nepal Rastra Bank's Inspection and/ or Statutory Audit. |
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