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Quarterly Financial Statement at the quarter ended Ashad, 2073

 

Quarterly Financial Statement
At the quarter ended  Ashad,  2073
 
 
 
 
(Rs. in '000)
S.N.
Particulars
 This Quarter Ending
 Previous Quarter Ending
 Corresponding Previous Year Quarter Ending
1
Total Capital & Liabilities (1.1 to 1.7)
191676.56
176720.23
170830.86
1.1
Paid-up Capital
26000.00
26000.00
20000.00
1.2
Reserves and Surplus
7314.92
5512.96
8570.19
1.3
Debenture and Bond
 
 
 
1.4
Borrowings
 
 
 
1.5
Deposits (a+b)
152220.61
139667.16
137064.54
 
a. Domestic Currency
152220.61
139667.16
137064.54
 
b. Foreign Currency
 
 
 
1.6
Income Tax Liabilities
2124.45
1352.18
1708.91
1.7
Other Liabilities
4016.58
4187.94
3487.21
2
Total Assets (2.1 to 2.7)
191676.56
176720.23
170573.35
2.1
Cash & Bank Balance
17384.22
15268.63
15237.64
2.2
Money at call and short Notice
33942.81
35488.69
38250.53
2.3
Investments
 
 
 
2.4
Loans & Advances (a+b+c+d+e+f)
131515.94
115843.46
108903.96
0
a. Real Estate Loan
0.00
0.00
0.00
0
1. Residential Real Estate Loan (Except Personal Home Loan upto Rs 10 million)
 
 
 
0
2. Business Complex & Residential Apartment Construction Loan
 
 
 
0
3. Income generating Commercial Complex Loan
 
 
 
0
4. Other Real Estate Loan (Including Land Purchase & Plotting)
 
 
 
0
b. Personal Home Loan of Rs. 10 million or less
16738.45
15404.65
15105.10
0
c. Margin Type Loan
 
 
 
0
d. Term Loan
42254.86
37769.32
16576.57
0
e. Overdraft Loan / TR Loan / WC Loan
0.00
0.00
693.00
0
f. Others
72522.63
62669.49
76529.29
2.5
Fixed Assets
3187.56
3418.00
3812.38
2.6
Non Banking Assets
 
 
 
2.7
Other Assets
5646.03
6701.45
4368.84
3
Profit and Loss Account
 
 
 
3.1
 Interest income
18609.14
12423.52
16408.10
3.2
 Interest Expense
6485.52
4776.58
6147.49
A
 Net Interest Income (3.1-3.2)
12123.62
7646.95
10260.61
3.3
Fees Commission and Discount
947.79
651.73
945.56
3.4
Other Operating Income
1495.18
877.73
565.02
3.5
Foreign Exchange Gain/Loss (Net)
 
 
 
B
Total Operating Income (A+3.3+3.4+3.5)
14566.59
9176.41
11771.19
3.6
Staff Expenses
2598.77
1743.64
1986.89
3.7
Other Operating Expenses
3318.64
1842.96
3236.53
C
Operating profit Before Provision (B-3.6-3.7)
8649.17
5589.81
6547.78
3.8
Provision for Possible Loss
245.12
261.57
316.91
D
Operating profit (C-3.8)
8404.05
5328.24
6230.86
3.9
Non Operating Income/Expenses (Net)
-614.40
-457.12
-713.78
3.10
Write Back of Provision for Possible Loss
0.00
86.87
748.94
E
Profit From Regular Activities (D+3.9+3.10)
7789.65
4957.99
6266.02
3.11
Extraordinary Income/Expenses (Net)
 
 
 
F
Profit Before Bonus  and Taxes (E+3.11)
7789.65
4957.99
6266.02
3.12
Provision For Staff Bonus
708.15
450.73
569.64
3.13
Provision For Tax
2124.45
1352.18
1708.91
G
Net Profit/Loss (F-3.12 -3.13)
4957.05
3155.08
3987.47
4
Ratios
 
 
 
4.1
Capital Fund to RWA
22.39%
23.16%
22.16%
4.2
Non Performing Loan (NPL) to Total Loan
0.03%
0.34%
0.00%
4.3
Total Loan Loss Provision to total NPL
6619.52%
1270.91%
0.00%
4.4
Cost of Funds
7.05%
7.20%
7.17%
4.5
CD Ratio (Calculated as per NRB Directives)
71.61%
68.59%
66.74%
4.6
Base Rate (for class "A" banks )
 
 
 
 
Interest Rate of Saving Deposit ,
Interest Rate of Fixed Deposit
 
Normal Saving            4% pa    Krishak Bachat                4.5%pa
6 Month                          4.5% pa
 
Bal Bachat                    6% pa    Premium Account          4% pa
9 Month                          5% pa
 
Briddha Bachat          6% pa    Nari Bachat                       4.25% pa
1 Year                              6% pa
 
Shareholder Saving   5% pa
2 Year                              7% pa
 
Mt Makalu Special Saving      4%pa                           Call Account          4% pa
3 Year                             8% pa
 
Minimum Balance Of above Accounts Rs. 1000/-
4 Year                              9% pa
 
Interest Rate of Loans & Advances                 14% to 17% pa
5 Year                             10% pa
Note Financial Statement may be changed if any amendment required by supervisory authority or statutory auditor
 
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