As at 2nd Quarter (29/09/2065) of the Fiscal Year 2065/66 |
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Rs. in '000 |
| S. N. |
Particulars |
This Quarter Ending as on 29.09.2065 (13.01.2009) |
Previous Quarter Ending as on 30.06.2065 (16.10.2008) |
Corresponding Previous Year Quarter Ending as on 30.09.2064 (14.01.2008) |
| 1 |
Total Capital and Liabilities (1.1 to 1.7) |
24,385,053 |
19,377,475 |
16,645,633 |
| 1.1 |
Paid Up Capital |
874,528 |
874,528 |
647,798 |
| 1.2 |
Reserve and surplus |
695,391 |
612,075 |
515,492 |
| 1.3 |
Debenture and Bond |
200,000 |
200,000 |
200,000 |
| 1.4 |
Borrowings |
1,295,108 |
2,614,604 |
924,692 |
| 1.5 |
Deposits (a+b) |
20,611,622 |
13,833,565 |
12,852,084 |
| |
a. Domestic Currency |
14,863,521 |
13,670,826 |
12,670,195 |
| |
b. Foreign Currency |
5,748,101 |
162,739 |
181,889 |
| 1.6 |
Income Tax Liability |
55,714 |
30,671 |
(217,803) |
| 1.7 |
Other Liablities |
652,691 |
1,212,033 |
1,723,370 |
| 2 |
Total Assets (2.1 to 2.7) |
24,385,053 |
19,377,475 |
16,645,633 |
| 2.1 |
Cash and Bank Balance |
2,586,736 |
3,746,430 |
943,781 |
| 2.2 |
Money at Call and Short Notice |
100,000 |
- |
17,822 |
| 2.3 |
Investments |
7,944,943 |
1,616,727 |
3,085,716 |
| 2.4 |
Loans and Advances (Gross) |
13,396,821 |
13,698,885 |
11,795,239 |
| 2.5 |
Fixed Assets (Net) |
190,819 |
168,056 |
115,611 |
| 2.6 |
Non Banklng Assets (Gross) |
10,748 |
5,720 |
10,194 |
| 2.7 |
Other Assets |
154,987 |
141,657 |
677,270 |
| 3 |
Profit and Loss Account |
Up to this Quarter Ending as on 29.09.2065 (13.01.2009) |
Up to the Previous Quarter Ending as on 30.06.2065 (16.10.2008) |
Up to the Corresponding Previous Year Quarter Ending as on 30.09.2064 (14.01.2008) |
| 3.1 |
Interest Income |
582,165 |
281,619 |
424,923 |
| 3.2 |
Interest Expenses |
308,757 |
148,868 |
212,883 |
| |
A Net Interest Income (3.1-3.2) |
273,408 |
132,751 |
212,041 |
| 3.3 |
Fees, Commission and Discount |
31,687 |
16,575 |
33,209 |
| 3.4 |
Other Operating Income |
15,373 |
7,833 |
- |
| 3.5 |
Foreign Exchange Gain/Loss (Net) |
30,633 |
22,549 |
22,391 |
| |
B. Total Operating Income (A.+3.3+3.4+3.5) |
351,100 |
179,708 |
267,640 |
| 3.6 |
Staff Expenses |
46,377 |
24,873 |
31,145 |
| 3.7 |
Other Operating Expenses |
83,619 |
38,457 |
65,290 |
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C. Operating Profit Before Provision (B.-3.6-3.7) |
221,104 |
116,378 |
171,205 |
| 3.8 |
Provision for Possible Losses |
16,330 |
3,814 |
24,415 |
| |
D. Operating Profit (C.-3.8) |
204,774 |
112,564 |
146,790 |
| 3.9 |
Non Operating Income/Expenses (Net) |
781 |
(64) |
539 |
| 3.10 |
Write Back of Provision for Possible Loss |
138,274 |
392 |
- |
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E. Profit From Regular Activities (D + 3.9+3.10) |
343,829 |
112,891 |
147,329 |
| 3.11 |
Extraordinary Income/Expenses (Net) |
(111,742) |
- |
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F. Profit before Bonus and Taxes (E + 3.11) |
232,087 |
112,891 |
147,329 |
| 3.12 |
Provision for Staff Bonus |
21,099 |
10,263 |
13,394 |
| 3.13 |
Provision for Tax |
55,714 |
30,671 |
40,181 |
| |
G. Net Profit/Loss (F-3.12-3.13) |
155,274 |
71,958 |
93,755 |
| 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)** |
12.66% |
11.50% |
13.44% |
| 4.2 |
Non Performing Loan (NPL) to Total Loan |
2.67% |
3.64% |
4.30% |
| 4.3 |
Total Loan Loss Provision to Total NPL |
142.35% |
127.65% |
122.80% |
| ** The Capital Fund to RWA for Current Quarter & Previous Quarter is calculated as per Basel II & as per Basel I for the Corresponding Previous Year Quarter |
| ***During the quarter, the bank has written off Rs. 111,742,167.80 loan as per NRB Directive on Loan (Book) Write Off. It is shown under "Extraordinary Income / Expenses" The amount of "Writeback of Provision for Possible Loss" disclosed above includes Rs. Rs. 111,742,167.80 resulting from loan write off. . |
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