This Quarter Previous Quar- Corresposning End (075 ter End...
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S.N Parculars This Quarter End (075 Ashoj end) Previous Quar- ter End (075 Ashad end) Corresposning Previous Year (074 Ashoj end) 1 Total Capital and Liabilies (1.1 to 1.7) 4,510,092.00 4,570,900.00 3,464,839.00 1.1 Paid Up Capital 500,000.00 500,000.00 380,293.00 1.2 Reserve and Surplus 226,627.00 199,343.00 236,160.00 Proposed Dividend 1.3 Debenture and Bond 1.4 Borrowing 1.5 Deposits (a+b) 3,700,611.00 3,814,288.00 2,785,127.00 a. Domesc Currency 3,700,611.00 3,814,288.00 2,785,127.00 b. Foreign Currency 1.6 Income Tax Liability 3,662.00 1,630.00 3,329.00 1.7 Other Liability 79,192.00 55,639.00 59,930.00 2 Total Asstes(2.1 to 2.7) 4,510,092.00 4,570,900.00 3,464,839.00 2.1 Cash and Bank Balance 211,648.00 280,757.00 174,634.00 2.2 Money at Call and Short Noce 931,030.00 1,124,208.00 780,128.00 2.3 Investments 10,471.00 10,471.00 471.00 2.4 Loan and advance(a+b+c+d+e+f) 3,283,898.00 3,089,234.00 2,446,898.00 a. Real Estate Loan 120,238.00 137,340.00 148,805.00 1. Residental Real Estate Loan ( Except Per- sonal Home Loan upto Rs.80 Lacs) 2. Business Complex & Residenal Apartment Construcon Loan 3. Income generang Commercial Complex Loan 4. Other Real Estate Loan (Including Land purchase & Plong) 120,238.00 137,340.00 148,805.00 b. Personal Home Loan of Rs. 80 Lacs or Less 452,936.00 417,623.00 248,758.00 c. Margin Type Loan d. Term Loan 41,336.00 44,948.00 41,981.00 e. Overdraſt Loan / Tr Loan / WC Loan 840,621.00 759,897.00 646,686.00 f. Other 1,828,767.00 1,729,426.00 1,360,668.00 2.5 Fixed Assets 34,752.00 34,150.00 23,873.00 2.6 Non Banking Assets 2.7 Other Assets 38,293.00 32,080.00 38,835.00 3 Profit and Loss Account 3.1 Interest Income 143,798.00 491,317.00 108,120.00 3.2 Interest Expenses 87,717.00 281,684.00 64,862.00 A.Net Interest Income(3.1-3.2) 56,081.00 209,633.00 43,258.00 3.3 Fee, Commission and Discount 1,010.00 2,867.00 440.00 3.4 Other Operaon Income 13,315.00 44,179.00 11,599.00 3.5 Foreign Exchange Gain/Loss B.Total Operaon Income(A.+3.3+3.4+3.5) 70,406.00 256,679.00 55,297.00 3.6 Staff Expenses 15,050.00 42,935.00 9,915.00 3.7 Other Operang Expanses 7,880.00 27,759.00 5,543.00 C.Operang Profit Before Provision(B.-3.6-3.7) 47,476.00 185,985.00 39,839.00 3.8 Provision for possible Lossess 7,246.00 8,445.00 3,306.00 D.Operang Profit(C-3.8) 40,230.00 177,540.00 36,533.00 3.9 Non Operang Income /Expenses(Net) 56.00 -11.00 85.00 3.1 Write Back Of Provision For Possible Loss 0.00 0.00 0.00 E.Profit from Regular Acivies(D+3.9+3.10) 40,286.00 177,529.00 36,618.00 3.11 Extraordinary Income /Expenses (Net) 0.00 0.00 0.00 F.Profit before Bonus and Taxes(E.+3.11) 40,286.00 177,529.00 36,618.00 3.12 Provisoin for staff Bonus 3,662.00 16,139.00 3,329.00 3.13 Provision for Tax 10,987.00 48,417.00 9,987.00 G.Net Profit /Loss(F.-3.12-3.13) 25,637.00 112,973.00 23,302.00 4 Raons 4.1 Capital Fund To RWA (%) 19.66 20.00 21.00 4.2 Non Performing Loan(NPL) to Total Loan 0.13% 0.05% 0.07% 4.3 Total Laon Loss Provision to Total NPL 870% 2074% 1440% 4.4 Cost of Funds 9.25% 9.87% 9.69% 4.5 Credit to Deposit Rao (Calculated as per NRB Direcves) 75.05% 69.15% 72.71% 4.6 Average Interest Spread (Calculated as per NRB Direcves) 7.35% 6.47% 7.28% 4.7 Base Rate 13.47% 15.27% 12.69%
Transcript of This Quarter Previous Quar- Corresposning End (075 ter End...
S.N Parti cularsThis Quarter
End (075 Ashoj end)
Previous Quar-ter End (075 Ashad end)
Corresposning Previous Year (074
Ashoj end)1 Total Capital and Liabiliti es (1.1 to 1.7) 4,510,092.00 4,570,900.00 3,464,839.00
1.1 Paid Up Capital 500,000.00 500,000.00 380,293.001.2 Reserve and Surplus 226,627.00 199,343.00 236,160.00
Proposed Dividend1.3 Debenture and Bond 1.4 Borrowing1.5 Deposits (a+b) 3,700,611.00 3,814,288.00 2,785,127.00
a. Domesti c Currency 3,700,611.00 3,814,288.00 2,785,127.00b. Foreign Currency
1.6 Income Tax Liability 3,662.00 1,630.00 3,329.001.7 Other Liability 79,192.00 55,639.00 59,930.002 Total Asstes(2.1 to 2.7) 4,510,092.00 4,570,900.00 3,464,839.00
2.1 Cash and Bank Balance 211,648.00 280,757.00 174,634.002.2 Money at Call and Short Noti ce 931,030.00 1,124,208.00 780,128.002.3 Investments 10,471.00 10,471.00 471.002.4 Loan and advance(a+b+c+d+e+f) 3,283,898.00 3,089,234.00 2,446,898.00
a. Real Estate Loan 120,238.00 137,340.00 148,805.001. Residental Real Estate Loan ( Except Per-
sonal Home Loan upto Rs.80 Lacs)2. Business Complex & Residenti al Apartment
Constructi on Loan3. Income generati ng Commercial Complex Loan4. Other Real Estate Loan (Including Land
purchase & Plotti ng) 120,238.00 137,340.00 148,805.00
b. Personal Home Loan of Rs. 80 Lacs or Less 452,936.00 417,623.00 248,758.00c. Margin Type Loand. Term Loan 41,336.00 44,948.00 41,981.00e. Overdraft Loan / Tr Loan / WC Loan 840,621.00 759,897.00 646,686.00f. Other 1,828,767.00 1,729,426.00 1,360,668.00
2.5 Fixed Assets 34,752.00 34,150.00 23,873.002.6 Non Banking Assets2.7 Other Assets 38,293.00 32,080.00 38,835.003 Profi t and Loss Account
3.1 Interest Income 143,798.00 491,317.00 108,120.003.2 Interest Expenses 87,717.00 281,684.00 64,862.00
A.Net Interest Income(3.1-3.2) 56,081.00 209,633.00 43,258.003.3 Fee, Commission and Discount 1,010.00 2,867.00 440.003.4 Other Operati on Income 13,315.00 44,179.00 11,599.003.5 Foreign Exchange Gain/Loss
B.Total Operati on Income(A.+3.3+3.4+3.5) 70,406.00 256,679.00 55,297.003.6 Staff Expenses 15,050.00 42,935.00 9,915.003.7 Other Operati ng Expanses 7,880.00 27,759.00 5,543.00
C.Operati ng Profi t Before Provision(B.-3.6-3.7) 47,476.00 185,985.00 39,839.003.8 Provision for possible Lossess 7,246.00 8,445.00 3,306.00
D.Operati ng Profi t(C-3.8) 40,230.00 177,540.00 36,533.003.9 Non Operati ng Income /Expenses(Net) 56.00 -11.00 85.003.1 Write Back Of Provision For Possible Loss 0.00 0.00 0.00
E.Profi t from Regular Aciti viti es(D+3.9+3.10) 40,286.00 177,529.00 36,618.003.11 Extraordinary Income /Expenses (Net) 0.00 0.00 0.00
F.Profi t before Bonus and Taxes(E.+3.11) 40,286.00 177,529.00 36,618.003.12 Provisoin for staff Bonus 3,662.00 16,139.00 3,329.003.13 Provision for Tax 10,987.00 48,417.00 9,987.00
G.Net Profi t /Loss(F.-3.12-3.13) 25,637.00 112,973.00 23,302.004 Rati ons
4.1 Capital Fund To RWA (%) 19.66 20.00 21.004.2 Non Performing Loan(NPL) to Total Loan 0.13% 0.05% 0.07%4.3 Total Laon Loss Provision to Total NPL 870% 2074% 1440%4.4 Cost of Funds 9.25% 9.87% 9.69%
4.5 Credit to Deposit Rati o (Calculated as per NRB Directi ves) 75.05% 69.15% 72.71%
4.6 Average Interest Spread (Calculated as per NRB Directi ves) 7.35% 6.47% 7.28%
4.7 Base Rate 13.47% 15.27% 12.69%
