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Quarterly Financial Statement at the quarter ended Chaitra, 2073

Quarterly Financial Statement

At the quarter ended  Chaitra,  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)

242280.68

250520.84

176720.23

1.1

Paid-up Capital

65000.00

65000.00

26000.00

1.2

Reserves and Surplus

14057.39

9564.06

5512.96

1.3

Debenture and Bond

 

 

 

1.4

Borrowings

 

 

 

1.5

Deposits (a+b)

155853.65

165688.67

139667.16

 

a. Domestic Currency

155853.65

165688.67

139667.16

 

b. Foreign Currency

 

 

 

1.6

Income Tax Liabilities

2166.48

3088.36

1352.18

1.7

Other Liabilities

5203.16

7179.74

4187.94

2

Total Assets (2.1 to 2.7)

242280.68

250520.84

176720.23

2.1

Cash & Bank Balance

13932.43

18015.48

15268.63

2.2

Money at call and short Notice

59651.29

81987.29

35488.69

2.3

Investments

 

 

 

2.4

Loans & Advances (a+b+c+d+e+f)

155418.14

138772.13

115843.46

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

17879.15

17587.59

15404.65

0

c. Margin Type Loan

 

 

 

0

d. Term Loan

51738.38

46440.89

37769.32

0

e. Overdraft Loan / TR Loan / WC Loan

0.00

0.00

0.00

0

f. Others

85800.61

74743.66

62669.49

2.5

Fixed Assets

2863.49

2978.76

3418.00

2.6

Non Banking Assets

 

 

 

2.7

Other Assets

10415.32

8767.17

6701.45

3

Profit and Loss Account

 

 

 

3.1

 Interest income

17904.21

10262.03

12423.52

3.2

 Interest Expense

5680.49

3808.52

4776.58

A

 Net Interest Income (3.1-3.2)

12223.72

6453.51

7646.95

3.3

Fees Commission and Discount

711.76

452.69

651.73

3.4

Other Operating Income

618.68

374.80

877.73

3.5

Foreign Exchange Gain/Loss (Net)

 

 

 

B

Total Operating Income (A+3.3+3.4+3.5)

13554.16

7281.00

9176.41

3.6

Staff Expenses

1892.49

1297.80

1743.64

3.7

Other Operating Expenses

2610.25

1681.54

1842.96

C

Operating profit Before Provision (B-3.6-3.7)

9051.42

4301.66

5589.81

3.8

Provision for Possible Loss

736.86

797.09

261.57

D

Operating profit (C-3.8)

8314.56

3504.57

5328.24

3.9

Non Operating Income/Expenses (Net)

-374.02

-256.25

-457.12

3.10

Write Back of Provision for Possible Loss

3.20

193.76

86.87

E

Profit From Regular Activities (D+3.9+3.10)

7943.75

3442.08

4957.99

3.11

Extraordinary Income/Expenses (Net)

 

 

 

F

Profit Before Bonus  and Taxes (E+3.11)

7943.75

3442.08

4957.99

3.12

Provision For Staff Bonus

722.16

312.92

450.73

3.13

Provision For Tax

2166.48

938.75

1352.18

G

Net Profit/Loss (F-3.12 -3.13)

5055.11

2190.41

3155.08

4

Ratios

 

 

 

4.1

Capital Fund to RWA

42.26%

21.06%

23.16%

4.2

Non Performing Loan (NPL) to Total Loan

0.90%

1.13%

0.34%

4.3

Total Loan Loss Provision to total NPL

405.64%

347.03%

1270.91%

4.4

Cost of Funds

7.72%

7.52%

7.20%

4.5

CD Ratio (Calculated as per NRB Directives)

67.08%

69.92%

68.59%

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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