Quarterly Financial Results

Unaudited Financial Results (Quarterly)
As at 4^th Quarter ( 32/03/2067) of the Fiscal Year 2066/2067
				( Rs in ' 000 )
S.N.	Particulars	This Quarter End Ashad 2067 (16 JUL 2010)	Last Quarter End Chaitra 2066 (13 APR 2010)	Corresponding Audited Previous Quarter End Ashad 2066 (15 July 2009)
1	Total Capital and Liabilities (1.1 to 1.7)	6,976,239	9,437,640	3,949,923
1.1	Paid Up Capital	750,464	750,464	750,464
1.2	Reserve and Surplus	138,282	99,159	59,652
1.3	Debenture and Bond	-	-	-
1.4	Borrowings	1,240,000	940,000	390,000
1.5	Deposits (a+b)	4,002,649	3,785,303	2,623,635
	a. Domestic Currency	4,000,674	3,783,376	2,623,635
	b. Foreign Currency	1,976	1,928
1.6	Income Tax Liability (Net)	89	(7,268)	(5,674)
1.7	Other Liabilities	844,755	3,869,982	131,846
2	Total Assets (2.1 to 2.7)	6,976,239	9,437,640	3,949,923
2.1	Cash and Bank Balance	296,029	282,338	153,039
2.2	Money at Call and Short Notice	2,282,945	4,184,360	710,891
2.3	Investments	931,732	1,525,955	668,604
2.4	Loans and Advances *	3,277,144	3,234,186	2,250,220
	a. Real Estate Loan	399,779	384,366	280,589
	b. Home/Housing Loan	422,641	441,107	383,642
	c. Margin Type Loan	194,453	229,412	182,224
	d. Term Loan	428,010	421,044	328,695
	e. Overdraft Loan/TR Loan/WC Loan	1,331,831	1,286,949	659,647
	f. Others	500,430	471,307	415,424
2.5	Fixed Assets Net	134,762	116,731	107,998
2.6	Non Banking Assets	-	-	-
2.7	Other Assets	53,627	94,070	59,171
3	Profit and Loss Account	This Quarter End Ashad 2067 (16 JUL 2010)	Last Quarter End Chaitra 2066 (13 APR 2010)	Corresponding Audited Previous Quarter End Ashad 2066 (15 July 2009)
3.1	Interest Income	498,620	326,448	269,292
3.2	Interest Expense	291,125	197,141	135,047
A. Net Interest Income (3.1 - 3.2)		207,495	129,307	134,245
3.3	Fees, Commission and Discount	8,764	4,742	16,378
3.4	Other Operating Income	21,404	18,236	15,826
3.5	Foreign Exchange Gain/Loss (Net)	1,165	(1,474)	741
B. Total Operating Income (A.+3.3+3.4+3.5)		238,828	150,812	167,190
3.6	Staff Expenses	39,047	27,761	29,180
3.7	Other Operating Expenses	64,714	45,373	44,664
C. Operating Profit Before Provision (B.-3.6-3.7)		135,066	77,677	93,345
3.8	Provision for Possible Losses / NBA	23,648	20,077	17,704
D. Operating Profit (C. -3.8)		111,418	57,600	75,641
3.9	Non Operating Income/Expenses (Net)	566	290	(4,303)
3.10	Write Back of Provision for Possible Loss	13,492	5,298	10,804
E. Profit from Regular Activities (D.+3.9+3.10)		125,476	63,189	82,141
3.11	Extraordinary Income/Expenses (Net)	-	-	292
F. Profit before Bonus and Taxes (E.-3.11)		125,475	63,189	82,433
3.12	Provision for Staff Bonus	11,407	5,744	7,494
3.13	Provision for Tax	35,441	17,939	23,035

G. Net Profit/Loss (F. -3.12-3.13)		78,628	39,505	51,904
4	Ratios	This Quarter End Ashad 2067 (16 JUL 2010)	Last Quarter End Chaitra 2066 (13 APR 2010)	Corresponding Audited Previous Quarter End Ashad 2066 (15 July 2009)
4.1	Capital Fund to RWA	17.93%	15.36%	31.11%
4.2	Non Performing Loan (NPL) to Total Loan	0.03%	0.64%	0.03%
4.3	Total Loan Loss Provision to Total NPL	3181.60%	182.03%	2953.32%
4.4	Cost Of Fund	9.70%	8.45%	5.15%
4.5	CD Ratio (Calculated as per NRB Directives)	67.98%	69.79%	65.77%
Additional Information
	Average Yield (Local Currency)	13.28%	11.76%	11.84%
	Net Interest Spread (Local Currency)	3.58%	3.31%	6.69%
	Return On Equity	8.85%	6.20%	5.26%
	Return on Assets	1.13%	0.56%	0.71%

* Figures regrouped wherever necessary.
* Above figures may vary with the audited figures if modied by the external auditors and regulators.