As at 2nd Quarter (30/09/2066) of the Fiscal Year 2066/67 |
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| S. N. |
Particulars |
This Quarter Ending as on 30.09.2066 (14.01.2010) Unaudited |
Previous Quarter Ending as on 31.06.2066 (17.10.2009) Unaudited |
Corresponding Previous Year Quarter Ending as on 29.09.2065 (13.01.2009) Unaudited |
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| 1 |
Total Capital and Liabilities (1.1 to 1.7) |
34,487,777 |
33,739,790 |
24,323,619 |
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| 1.1 |
Paid Up Capital |
874,528 |
874,528 |
874,528 |
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| 1.2 |
Reserve and surplus |
1,040,176 |
924,913 |
695,391 |
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| 1.3 |
Debenture and Bond |
200,000 |
200,000 |
200,000 |
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| 1.4 |
Borrowings |
2,668,659 |
1,421,099 |
1,295,108 |
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| 1.5 |
Deposits (a+b) |
28,882,481 |
29,442,188 |
20,611,622 |
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| |
a. Domestic Currency |
19,036,496 |
19,454,747 |
14,863,521 |
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b. Foreign Currency |
9,845,986 |
9,987,441 |
5,748,101 |
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| 1.6 |
Income Tax Liability |
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| 1.7 |
Other Liablities |
821,933 |
877,062 |
646,970 |
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| 2 |
Total Assets (2.1 to 2.7) |
34,487,777 |
33,739,790 |
24,323,619 |
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| 2.1 |
Cash and Bank Balance |
2,924,802 |
4,338,381 |
2,586,736 |
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| 2.2 |
Money at Call and Short Notice |
- |
- |
100,000 |
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| 2.3 |
Investments |
12,306,962 |
12,142,626 |
7,944,943 |
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| 2.4 |
Loans and Advances (Gross) |
18,426,314 |
16,541,913 |
13,396,821 |
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a. Real Estate Loan |
964,323 |
1,856,210 |
661,649 |
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b. Home/Housing Loan |
2,588,136 |
2,460,123 |
1,963,829 |
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c. Margin Type Loan |
14,164 |
17,717 |
183,656 |
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d. Term Loan |
1,110,020 |
1,506,899 |
1,176,774 |
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e. Overdraft Loan/TR Loan/WC Loan |
10,466,699 |
9,138,461 |
8,453,868 |
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f. Others |
3,282,973 |
1,562,503 |
957,044 |
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| 2.5 |
Fixed Assets (Net) |
331,339 |
293,630 |
190,819 |
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| 2.6 |
Non Banklng Assets (Net) |
- |
- |
5,028 |
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| 2.7 |
Other Assets |
498,360 |
423,240 |
99,273 |
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| 3 |
Profit and Loss Account |
Up to this Quarter Ending as on 30.09.2066 (14.01.2010) Unaudited |
Up to the Previous Quarter Ending as on 31.06.2066 (17.10.2009) Unaudited |
Up to the Corresponding Previous Year Quarter Ending as on 29.09.2065 (13.01.2009) : Unaudited |
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| 3.1 |
Interest Income |
976,422 |
473,296 |
582,165 |
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| 3.2 |
Interest Expenses |
618,175 |
299,832 |
308,757 |
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| |
A Net Interest Income (3.1-3.2) |
358,247 |
173,464 |
273,408 |
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| 3.3 |
Fees, Commission and Discount |
50,171 |
25,014 |
31,687 |
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| 3.4 |
Other Operating Income |
41,754 |
19,629 |
15,373 |
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| 3.5 |
Foreign Exchange Gain/Loss (Net) |
39,208 |
20,999 |
30,633 |
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| |
B. Total Operating Income (A.+3.3+3.4+3.5) |
489,381 |
239,105 |
351,100 |
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| 3.6 |
Staff Expenses |
63,246 |
34,234 |
46,377 |
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| 3.7 |
Other Operating Expenses |
134,415 |
62,791 |
83,619 |
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C. Operating Profit Before Provision (B.-3.6-3.7) |
291,720 |
142,081 |
221,104 |
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| 3.8 |
Provision for Possible Losses |
30,086 |
9,839 |
16,330 |
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D. Operating Profit (C.-3.8) |
261,634 |
132,241 |
204,774 |
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| 3.9 |
Non Operating Income/Expenses (Net) |
2,186 |
(67) |
781 |
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| 3.10 |
Write Back of Provision for Possible Loss |
3,155 |
2,908 |
138,274 |
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E. Profit From Regular Activities (D + 3.9+3.10) |
266,975 |
135,082 |
343,829 |
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| 3.11 |
Extraordinary Income/Expenses (Net) |
5,982 |
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(111,742) |
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F. Profit before Bonus and Taxes (E + 3.11) |
272,957 |
135,082 |
232,087 |
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| 3.12 |
Provision for Staff Bonus |
24,814 |
12,280 |
21,099 |
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| 3.13 |
Provision for Tax |
46,047 |
35,968 |
55,714 |
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G. Net Profit/Loss (F-3.12-3.13) |
202,096 |
86,834 |
155,274 |
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| 4 |
Ratios |
At the End of this Quarter |
At the End of Previous Quarter |
At the End of Corresponding Previous Year Quarter |
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| 4.1 |
Capital Fund to Risk Weighted Assets (RWA) |
10.85% |
10.90% |
12.66% |
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| 4.2 |
Non Performing Loan (NPL) to Total Loan |
1.68% |
1.85% |
2.67% |
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| 4.3 |
Total Loan Loss Provision to Total NPL |
164.00% |
159.49% |
142.35% |
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| 4.4 |
Cost Of Fund |
4.14% |
4.07% |
3.96% |
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