| Figures in NRs million |
UNAUDITED FINANCIAL RESULT
As of Fourth quarter 2007 (4qF07)
|
| S.N. |
Particulars |
This Quarter Ending |
Previous Quarter Ending |
Corresponding Previous Year Quarter Ending |
| 1 |
Total Capital andLiabilities |
974.251 |
994.944 |
944.365 |
| 1.1 |
Paid up Capital |
104.577 |
104.577 |
95.040 |
| 1.2 |
Reserves & Surplus |
126.018 |
99.606 |
93.701 |
| 1.3 |
Debenture and Bond |
|
|
|
| 1.4 |
Borrowings |
|
|
|
| 1.5 |
Total Deposits(a+b) |
629.562 |
619.402 |
621.835 |
| |
a. Domestic Currency |
629.562 |
619.402 |
621.835 |
| |
b. Foregin Courrency |
|
|
|
| 1.6 |
Income Tax Liability |
|
|
|
| 1.7 |
Other Liabilities |
114.094 |
171.359 |
133.789 |
| 2 |
Total Assets (2.1 to 2.7) |
974.251 |
994.944 |
944.365 |
| |
|
|
|
|
| 2.1 |
Cash & Bank Balance |
94.186 |
173.524 |
177.465 |
| 2.2 |
Money at call and short notice |
|
|
|
| 2.3 |
Total Investments |
178.636 |
139.722 |
151.146 |
| 2.4 |
Loans and Advances |
549.287 |
548.604 |
509.692 |
| 2.5 |
Fixed Assets |
32.235 |
34.534 |
31.009 |
| 2.6 |
Non Banking Assets |
29.593 |
19.521 |
16.130 |
| 2.7 |
Other Assets |
90.314 |
79.039 |
58.923 |
| |
Total Balance |
994.9 |
|
919.8 |
| |
|
|
|
|
| 3 |
Profit & Loss |
Up to This Quarter |
Up to Previous Quarter |
Up to Corresponding Previous Year Quarter |
| 3.1 |
Interest Income |
78.203 |
54.622 |
75.020 |
| 3.2 |
Interest Expense |
35.853 |
26.634 |
33.981 |
| |
A. Net Interest Income (3.1 - 3.2) |
42.350 |
27.988 |
41.039 |
| 3.3 |
Fees, Commission and Discount |
154 |
78 |
74 |
| 3.4 |
Other Operating Income |
5.636 |
2.788 |
3.910 |
| 3.5 |
Foreign Exchange Gain/Loss (Net) |
|
|
|
| |
B. Total Operating Income |
48.140 |
30.854 |
45.023 |
| 3.6 |
Staff Expenses |
8.100 |
5.538 |
8.679 |
| 3.7 |
Other Operating Expenses |
8.528 |
5.084 |
6.693 |
| |
C. Operating Profit Before Provision |
31.512 |
20.232 |
29.651 |
| 3.8 |
Provision for Possible Losses |
4.514 |
5.971 |
11.361 |
| |
D. Operating Profit |
26.998 |
14.261 |
18.290 |
| 3.9 |
Non Operating Income/Expenses (Net) |
6.233 |
1.382 |
10.285 |
| 3.10 |
Write Back of Provision for Possible Loss |
9.620 |
932 |
1.368 |
| |
E. Profit fro Regular Activities |
42.851 |
16.575 |
29.943 |
| 3.11 |
Extraordinary Income/Expenses (Net) |
|
|
|
| |
F. Profit before Bonus and Taxes |
42.851 |
16.575 |
29.943 |
| 3.12 |
Provision for Staff Bonus |
4.285 |
|
2.994 |
| 3.13 |
Provision for Tax |
12.148 |
|
8.268 |
| |
G. Net profit/Loss |
26.418 |
16.575 |
18.681 |
4 |
Ratios |
At the End of This Quarter |
At the End of Previous Quarter |
At the End of Corresponding Previous Year Quarter |
4.1 |
Captal Fund to RWA |
27.96% |
25.06% |
28.29% |
4.2 |
Non Performing Loan (NPL) to Total Loan |
3.91% |
6.22% |
9.24% |
4.3 |
Total Loan Loss Provision to Toal NPL |
124.05% |
101.78% |
115.95% |
