Main Road ,Hetauda-4,Makwanpur Phone no. 057-524674,Fax no.

057-524673

Unaudited Financial Statement

nd

th

As at 2 Quarter Poush 30 ,072 (14 Jan. 2016) of the fiscal year 2072-73
S.N.
1
1.1
1.2
1.3
1.4
1.5

1.6
1.7
2
2.1
2.2
2.3
2.4
0
0
0
0
0
0
0
0
0
0
2.5
2.6
2.7
3
3.1
3.2
A
3.3
3.4
3.5
B
3.6
3.7
C
3.8
D
3.9
3.10
E
3.11
F
3.12
3.13
G
4
4.1
4.2
4.3
4.4
4.5
4.6

Particulars
Total Capital & Liabilities (1.1 to 1.7)
Paid-up Capital
Reserves and Surplus
Debenture and Bond
Borrowings
Deposits (a+b)
a. Domestic Currency
b. Foreign Currency
Income Tax Liabilities
Other Liabilities
Total Assets (2.1 to 2.7)
Cash & Bank Balance
Money at call and short Notice
Investments
Loans & Advances (a+b+c+d+e+f)
a. Real Estate Loan

(Rs.In '000)

1538805.40
118000.00
91290.48

Corresponding
Previous
Previous Year
Quarter Ending
Quarter Ending
1480368.33
1161631.56
118000.00
118000.00
81079.14
29597.80

1247444.51
1247444.51

1182745.82
1182745.82

942960.12
942960.12

82070.40
1538805.41
129851.10
297912.99
706.30
1019116.14
0.00

98543.37
1480368.33
142534.53
242226.63
706.30
999493.19
0.00

71073.64
1161631.57
109235.28
144163.50
10706.30
823423.87
0.00

This Quarter
Ending

1. Residential Real Estate Loan (Except Personal Home Loan upto Rs 10 million)
2. Business Complex & Residential Apartment Construction Loan
3. Income generating Commercial Complex Loan
4. Other Real Estate Loan (Including Land Purchase & Plotting)

105556.07
104245.21
b. Personal Home Loan of Rs. 10 million or less
c. Margin Type Loan
384915.21
378604.47
d. Term Loan
337356.95
315329.09
e. Overdraft Loan / TR Loan / WC Loan
191287.91
201314.42
f. Others
14074.89
14887.16
Fixed Assets
Non Banking Assets
77143.98
80520.52
Other Assets
Profit and Loss Account
71114.92
31876.26
Interest income
32782.75
16770.15
Interest Expense
38332.17
15106.11
Net Interest Income (3.1-3.2)
958.76
383.85
Fees Commission and Discount
7658.00
4148.79
Other Operating Income
45.84
32.46
Foreign Exchange Gain/Loss (Net)
46994.77
19671.22
Total Operating Income (A+3.3+3.4+3.5)
9403.61
5304.60
Staff Expenses
8805.60
4153.57
Other Operating Expenses
28785.57
10213.04
Operating profit Before Provision (B-3.6-3.7)
14807.67
7533.14
Provision for Possible Loss
13977.89
2679.90
Operating profit (C-3.8)
0.00
0.00
Non Operating Income/Expenses (Net)
8783.24
4072.43
Write Back of Provision for Possible Loss
22761.13
6752.33
Profit From Regular Activities (D+3.9+3.10)
Extraordinary Income/Expenses (Net)
22761.13
6752.33
Profit Before Bonus and Taxes (E+3.11)
2069.19
613.85
Provision For Staff Bonus
6207.58
1841.55
Provision For Tax
14484.36
4296.94
Net Profit/Loss (F-3.12 -3.13)
Ratios
17.25%
16.72%
Capital Fund to RWA
4.19%
3.53%
Non Performing Loan (NPL) to Total Loan
81.30%
Total Loan Loss Provision to total NPL
82.57%
5.41%
5.32%
Cost of Funds
70.71%
72.61%
CD Ratio (Calculated as per NRB Directives)
Base Rate (for class "A" banks )
Additional Information (Optional)
Average Yield (Local Currency)
Net Interest Spread (Local Currency)
Return on Equity
Return on Assets
Note: Figures are subject to change as per the requirement by statutory/regulatory authorities.
Interest rate on Deposit & Loan and Advance
Saving deposit: 4.5% to 6.5%, Fixed Deposit: 6.25% to 10.5%, Loan: 10.5% to 18%

83264.56
493071.91
233707.14
13380.26
15753.23
58349.39
59047.17
25758.87
33288.30
947.48
7670.86
54.61
41961.25
6935.55
8415.02
26610.68
7703.51
18907.17
600.00
1157.86
20665.03
20665.03
1878.64
5635.91
13150.48
14.41%
4.01%
92.49%
4.88%
76.26%