1
Quarterly Financial Statement (At the quarter ended Chaitra, 2075) 1 1.1 1.2 1.3 1.4 1.5 1.6 1.7 2 2.1 2.2 2.3 2.4 2.5 2.6 2.7 3 3.1 3.2 A 3.3 3.4 3.5 B 3.6 3.7 C 3.8 D 3.9 3.10 E 3.11 F 3.12 3.13 G 4 4.1 4.2 4.3 4.4 4.5 4.6 Total Capital & Liabilities (1.1 to 1.7) Paid-up Capital Reserves and Surplus Debenture and Bond Borrowings Deposits (a+b) a. Domestic Currency b. Foreign Currency Income Tax Liabilities Other Liabilities Total Assets (2.1 to 2.7) Cash & Bank Balance Money at call and short Notice Investments Loans & Advances (a+b+c+d+e+f) a. Real Estate Loan 1. Residential Real Estate Loan (Except Personal Home Loan upto Rs 10 million) 2. Business Complex & Residential Apartment Construction Loan 3. Income generating Commercial Complex Loan 4. Other Real Estate Loan (Including Land Purchase & Plotting) b. Personal Home Loan of Rs. 10 million or less c. Margin Type Loan d. Term Loan e. Overdraft Loan / TR Loan / WC Loan f. Others Fixed Assets Non Banking Assets Other Assets Profit and Loss Account Interest Income Interest Expense Net Interest Income (3.1-3.2) Fees Commission and Discount Other Operating Income Foreign Exchange Gain/Loss (Net) Total Operating Income (A+3.3+3.4+3.5) Staff Expenses Other Operating Expenses OperatingprofitBeforeProvision(B-3.6-3.7) Provision for Possible Loss Operating profit (C-3.8) Non Operating Income/Expenses (Net) Write Back of Provision for Possible Loss Profit From RegularActivities (D+3.9+3.10) Extraordinary Income/Expenses (Net) Profit Before Bonus and Taxes (E+3.11) Provision For Staff Bonus Provision For Tax Net Profit/Loss (F-3.12 -3.13) Ratios Capital Fund to RWA Non Performing Loan (NPL) to Total Loan Total Loan Loss Provision to total NPL Cost of Funds CD Ratio (Calculated as per NRB Directives) Base Rate (for class "A" banks ) 1639500.08 712104.60 42508.61 827266.36 827266.36 9730.05 47890.46 1639500.08 48005.22 634380.64 17396.01 884498.44 46041.90 17999.00 28042.90 43260.58 29516.63 229849.08 161740.99 374089.26 15837.70 39382.07 94105.62 52828.45 41277.17 88.74 7048.56 48414.47 9984.58 12691.21 25738.68 17577.75 8160.93 -377.54 30412.98 38196.36 4616.46 42812.82 3892.07 9730.06 29190.69 68.83% 3.39% 90.14% 9.40% 55.44% 12.47% 1481507.87 645809.60 37763.15 752948.32 752948.32 7722.43 37264.37 1481507.87 647773.98 17389.21 772095.73 37891.06 37891.06 32079.98 25692.24 214956.13 138761.17 322715.15 14984.94 29264.01 56305.66 35735.54 20570.12 48.33 5563.92 26182.37 6225.72 8635.95 11320.70 7209.83 4110.87 22.19 26701.97 30835.03 4616.46 35451.49 3222.86 7722.43 24506.20 71.09% 1.53% 172.89% 9.36% 53.34% 12.76% 762602.81 210000.00 2654.12 488811.81 488811.81 3302.30 57834.58 762602.81 245292.51 16863.31 466758.77 47168.56 47168.56 5944.33 20761.87 75523.80 28584.43 288775.78 9728.34 23959.88 57896.29 39106.00 18790.29 29.85 2075.86 20896.00 5901.65 7302.39 7691.96 18019.23 -10327.27 440.31 0.00 -9886.96 175.70 -9711.26 -9711.26 38.57% 3.83% 96.56% 10.54% 66.80% 14.30% S.N. Particulars This Quarter Ending Previous Quarter Ending Corresponding Previous Year Quarter Ending (Rs. in '000) cf=j= @)&%÷&^ sf] t];|f] q}dfl;s k|ltj]bg lwtf]kq btf{ tyf lgisf;g lgodfjnL @)&# sf] cg';"rL !$ lgod @^ sf] pklgod -!_ ;+u ;DalGwt ljQLo ljj/0fM o; q}df;sf] jf;nft tyf gfkmf–gf]S;fg ;DaGwL ljQLo ljj/0f ldlt @)&^ ;fn a}zfv !& ut] cleofg /fli6«o b}lgs cyf{t o;} k|ltj]bgsf ;fy klqsfdf k|sflzt ul/Psf] 5. k|d'v ljQLo cg'kftx? M k|lt z]o/ cfDbfgL ?= M $=!) k|lt z]o/ g]6jy{ ?= M !)%=(& k|lt z]o/ s'n ;DklQsf] d"No ?= M @#)=@# t/ntf cg'kft M *@=$(Ü P/E Ratio M #)=)! Joj:yfklso ljZn]if0fM sfg"gL sf/jfxL ;DalGw ljj/0fM s_ o; cjlwdf ;+:yfsf] tk{maf6÷lj?4 s'g} d'2f bfo/ gePsf]. v_ o; ;+:yfsf] ;+:yfks jf ;+rfnsn] jf ;+:yfks jf ;+rfnssf] lj?4df k|rlnt lgodsf] cj1f jf kmf}hbf/L ck/fw u/]sf] ;DaGwdf s'g} d'2f bfo/ ePsf] ;DaGwdf hfgsf/L gePsf]. u_ s'g} ;+:yfks jf ;+rfns lj?4 cfly{s ck/fw u/]sf] ;DaGwdf s'g} d'2f bfo/ ePsf] ;DaGwdf hfgsf/L gePsf]. ;+ul7t ;+:yfsf] z]o/ sf/f]jf/ ;DaGwL ljZn]if0fM s_ z]o/ sf/f]jf/ lwtf]kq af]8{af6 lgb] {lzt /xg] x' Fbf o; ;+:yfsf] z]o/ sf/f]jf/ bf];|f] ahf/df ;sf/fTds /x]sf] 5 . nufgLstf{sf] o; ;+:yfk|ltsf] ljZjf; a9\g] qmddf /x]sf] x' Fbf ;+:yfsf] Joj;flos clej[l4 ;Fu} sf/f]af/ d'No eljiodf a9\g] ck]Iff ul/Psf] 5. v_ g]kfn :6s PS;r]Ghsf] j]e;fO{6 cg';f/ o; q}dfl;s cjlwdf o; ;+:yfsf] z]o/ sf/f]jf/ lgDg ljj/0f cg';f/ ePsf] b]lvG5. z]o/sf] clwstd d"NoM !@# z]o/sf] Go"gtd d"NoM !@! clGtd d"NoM !@# sf/f]af/ ePsf] s'n lbgM # lbg sf/f]af/ ePsf] s'n ;+VofM !#) lsQf ;d:of tyf r'gf}tLM cfGtl/s ;d:of s_ gofF Zffvf la:tf/sf nflu bIf hgzlQmsf] cefj v_ a9\bf] ;~rfng nfut u_ a}+ls· If]qdf a9\b} uO/x]sf] ;~rfng hf]lvd afx\o ;d:of s_ c:j:y k|lt:kwf{ v_ g]kfn ;/sf/ tyf g]kfn /fi6« Af} +saf6 hf/L x'g] gLltlgb] {zgsf] kl/jt{g af6 x'g ;Sg] hf]lvd u_ t/ntfdf cfpg] ptf/r9fjx?sf] sf/0fn] x'g ;Sg] hf]lvd 3_ /fhg}lts cl:y/tfsf] sf/0faf6 pTkGg c;xh cj:yfsf] sf/0faf6 nufgLsf cj;/x?sf] sdL /0fgLlt pk/f]Qm ;d:of tyf r'gf}tLnfO{ sfa'leq /fVg / c:j:y k|lt:kwf{;+u ;fdgf ug{sf] nflu dfgj ;+;fwgnfO{ r':t agfO{ u|fxsd'lv ;]jf k|bfg ug{,bIf hgzlQmsf] ljsf; ug{ / ljQLo If]qdf b]lvPsf] c:j:y k|lt:kwf{sf] ;d:ofnfO{ ;xh?kdf r'gf}tL lbg ;Sg] kl/l:yltsf] ;[hgf ug]{ d'Vo /0fgLlt /x]sf] 5. ;+:yfut ;'zf;gM o; ;+:yfåf/f g]kfn /fi6« Af}+saf6 hf/L ul/Psf ;+:yfut ;'zf;g ;DalGw ;Dk"0f{ lgb]{zgsf] k"0f{ ?kdf kfngf ul/Psf] 5. ;fy} ;+:yfut ;'zf;g clej[l4sf nflu lgDg Joj:yfx? ldnfOPsf] 5M s_ cfGtl/s lgoGq0f sfo{sf] nflu ;+rfnsx?sf] ;+of]hsTjdf n]vf kl/If0f ;ldlt, hf]lvd Go"lgs/0f tyf Joj:yfkgsf nflu hf]lvd Joj:yfkg ;ldlt tyf ;DklQ z'4Ls/0f tyf cft+ssf/L sfo{df ljljw nufgL lgjf/0fsf] nflu ;ldlt u7g ul/Psf] 5. v_ ;DklQ hf]lvdnfO{ Go"lgs/0f ug{sf] nflu ljleGg gLlt lgb]{lzsfx? lgdf{0f u/L sfof{Gjogdf NofO{Psf] 5. u_ cfGtl/s lgoGq0f k|0ffnLnfO{ Jojl:yt ug{sf] nflu cfGtl/s n]vfkl/Ifssf] Joj:yf ul/Psf] 5, n]vfkl/Ifsaf6 q}dfl;s ?kdf n]vfkl/If0f k|ltj]bg n]vfkl/If0f ;ldltdf k]z ug] { u/]sf] / ;f]df b]lvPsf] s}lkmotx?nfO{ ;'wf/ ug{ ;+rfns ;ldlt dfk{mt Joj:yfkgnfO{ lgb] {zg lbg] Joj:yf ldnfOPsf] 5. ;To tYo ;DaGwdf sfo{sf/L k|d'vsf] pb\3f]if0fM cfhsf] ldlt;Dd o; k|ltj]bgdf pNn]lvt hfgsf/L tyf ljj/0fx?sf] z'4tfsf] ;DaGwdf d JolQmut ?kdf pQ/bfloTj lnG5'. ;fy} d of] pb\3f]if ub{5' ls d}n] hfg] a'e]m;Dd o; k|ltj]bgdf pNn]lvt ljj/0fx? ;To, tYo / k"0f{ 5g\ / nufgLstf{x?nfO{ ;';"lrt lg0f{o lng cfjZos s'g} ljj/0f, ;"rgf tyf hfgsf/Lx? n'sfOPsf] 5}g. != @= #= $= %= ^= &= q}dfl;s cjlwdf ;+:yfsf] df}Hbft, cfDbfgL / t/ntfdf s'g} kl/jt{g ePsf] eP ;f]sf] k|d'v sf/0f ;DalGw ljj/0fM – a}ls· If]qsf] clws k|lt:k|lw jftfj/0fsf afjh't klg ljQLo ;+:yfsf] lgIf]k, shf{ tyf gfkmfdf ;Gtf]ifhgs a[4L ePsf] 5. cfufdL cjlwsf] Jofj;flos of]hgf ;DaGwdf Joj:yfkgsf] ljZn]if0ffTds ljj/0fM – g]kfn /fi6« a} +sn] cf=j= @)&@÷&# sf] df}lb|s gLlt dfkm{t tf]lsPsf] r'Qmf kF "hL k'¥ofpg k" FhL j[l4 ug{sf] nflu !M@=*! xsk|b z]o/ lgisfzg ubf{ ;Dk"0f{ z]o/wgLx?af6 cfj]bg k|fKt gePkl5 lnnfd a9fa9 dfkm{t z]o/ cfj]bg k|fKt u/L ldlt @)&^÷)!÷!% ut]af6 cfjZos r'Qmf k" FhL ? *),)!,)),))) k'lu;s]sf] 5 . ;+:yfn] tof/ kf/]sf] Jofj;flos of]hgf cg';f/ cfufdL lbgdf v/fa shf{ Joj:yfkg ug] {, Joj;fo ljljlws/0f, gofF of]hgf sfof{Gjog, sd{rf/Lx?nfO{ bIf agfpg cfjZos tflnd tyf cled'lvs/0f ug' {sf ;fy} zfvf lj:tf/ ul/ sf/f]af/df clea[l4 ug] { nIo lnPsf] 5 . ljutsf] cg'ejaf6 ;+ul7t ;+:yfsf] df}Hbft, gfkmf jf gub k|jfxdf tflTjs c;/ kfg{ ;Sg] 36gf cj:yf cfbL ePdf ;f] ;DaGwdf ljZn]if0ffTds ljj/0fM – ljutsf] cg'ejdf o; ;+:yfsf] df}Hbft, gfkmf jf gub k|jfxdf tflTjs c;/ kfg{ ;Sg] cj:yf 36gf jf cj:yfsf] nIf0f lgDg adf]lhd /x]sf 5g\M s_ b]zsf] ljBdfg /fhgLlts cj:yfn] kg{ ;Sg] k|efj. v_ ;dofg';f/ clws÷Go"gtd t/ntfsf sf/0f kg{ ;Sg] c;/. u_ k|fs[lts k|sf]ksf] c;/af6 ;[hgf x'g ;Sg] :jefljs hf]lvdx?. s_ v_ u_ ;j{;fwf/0f z]o/

cf=j= @)&%÷&^ sf] t];|f] q}dfl;s k|ltj]bg

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Page 1: cf=j= @)&%÷&^ sf] t];|f] q}dfl;s k|ltj]bg

Quarterly Financial Statement(At the quarter ended Chaitra, 2075)

11.11.21.31.41.5

1.61.72

2.12.22.32.4

2.52.62.73

3.13.2A3.33.43.5B

3.63.7C

3.8D3.93.10

E3.11

F3.123.13G4

4.14.24.34.44.54.6

Total Capital & Liabilities (1.1 to 1.7)Paid-up CapitalReserves and SurplusDebenture and BondBorrowingsDeposits (a+b)a. Domestic Currencyb. Foreign CurrencyIncome Tax LiabilitiesOther LiabilitiesTotal Assets (2.1 to 2.7)Cash & Bank BalanceMoney at call and short NoticeInvestmentsLoans & Advances (a+b+c+d+e+f)a. Real Estate Loan1. Residential Real Estate Loan (ExceptPersonal Home Loan upto Rs 10 million)2. Business Complex & Residential Apartment Construction Loan3. Income generating Commercial Complex Loan4. Other Real Estate Loan (Including Land Purchase & Plotting)b. Personal Home Loan of Rs. 10 million or lessc. Margin Type Loand. Term Loane. Overdraft Loan / TR Loan / WC Loanf. OthersFixed AssetsNon Banking AssetsOther AssetsProfit and Loss Account Interest Income Interest Expense Net Interest Income (3.1-3.2)Fees Commission and DiscountOther Operating IncomeForeign Exchange Gain/Loss (Net)Total Operating Income (A+3.3+3.4+3.5)Staff ExpensesOther Operating ExpensesOperating profit Before Provision (B-3.6-3.7)Provision for Possible LossOperating profit (C-3.8)Non Operating Income/Expenses (Net)Write Back of Provision for Possible Loss Profit From Regular Activities (D+3.9+3.10)Extraordinary Income/Expenses (Net)Profit Before Bonus and Taxes (E+3.11)Provision For Staff BonusProvision For TaxNet Profit/Loss (F-3.12 -3.13)Ratios Capital Fund to RWANon Performing Loan (NPL) to Total LoanTotal Loan Loss Provision to total NPLCost of FundsCD Ratio (Calculated as per NRB Directives)Base Rate (for class "A" banks )

1639500.08712104.6042508.61

827266.36827266.36

9730.0547890.46

1639500.0848005.22

634380.6417396.01

884498.4446041.90

17999.00

28042.90

43260.5829516.63

229849.08161740.99374089.2615837.70

39382.07

94105.6252828.4541277.17

88.747048.56

48414.479984.58

12691.2125738.6817577.758160.93-377.54

30412.9838196.364616.46

42812.823892.079730.06

29190.69

68.83%3.39%

90.14%9.40%

55.44%12.47%

1481507.87645809.6037763.15

752948.32752948.32

7722.4337264.37

1481507.87647773.98

17389.21772095.7337891.06

37891.06

32079.9825692.24

214956.13138761.17322715.1514984.94

29264.01

56305.6635735.5420570.12

48.335563.92

26182.376225.728635.95

11320.707209.834110.87

22.1926701.9730835.034616.46

35451.493222.867722.43

24506.20

71.09%1.53%

172.89%9.36%

53.34%12.76%

762602.81210000.00

2654.12

488811.81488811.81

3302.3057834.58

762602.81245292.51

16863.31466758.7747168.56

47168.56

5944.3320761.8775523.8028584.43

288775.789728.34

23959.88

57896.2939106.0018790.29

29.852075.86

20896.005901.657302.397691.96

18019.23-10327.27

440.310.00

-9886.96175.70

-9711.26

-9711.26

38.57%3.83%

96.56%10.54%66.80%14.30%

S.N. ParticularsThis

Quarter Ending

Previous QuarterEnding

Corresponding Previous Year

Quarter Ending

(Rs. in '000)

cf=j= @)&%÷&^ sf] t];|f] q}dfl;s k|ltj]bg

lwtf]kq btf{ tyf lgisf;g lgodfjnL @)&# sf] cg';"rL !$ lgod @^ sf] pklgod -!_ ;+u ;DalGwt

ljQLo ljj/0fMo; q}df;sf] jf;nft tyf gfkmf–gf]S;fg ;DaGwL ljQLo ljj/0f ldlt @)&^ ;fn a}zfv !& ut] “cleofg /fli6«o b}lgs ” cyf{t o;} k|ltj]bgsf ;fy klqsfdf k|sflzt ul/Psf] 5. k|d'v ljQLo cg'kftx? M k|lt z]o/ cfDbfgL ?= M $=!) k|lt z]o/ g]6jy{ ?= M !)%=(& k|lt z]o/ s'n ;DklQsf] d"No ?= M @#)=@# t/ntf cg'kft M *@=$(Ü P/E Ratio M #)=)!

Joj:yfklso ljZn]if0fM

sfg"gL sf/jfxL ;DalGw ljj/0fMs_ o; cjlwdf ;+:yfsf] tk{maf6÷lj?4 s'g} d'2f bfo/ gePsf].v_ o; ;+:yfsf] ;+:yfks jf ;+rfnsn] jf ;+:yfks jf ;+rfnssf] lj?4df k|rlnt lgodsf] cj1f jf kmf}hbf/L ck/fw u/]sf] ;DaGwdf s'g} d'2f bfo/ ePsf] ;DaGwdf hfgsf/L gePsf].u_ s'g} ;+:yfks jf ;+rfns lj?4 cfly{s ck/fw u/]sf] ;DaGwdf s'g} d'2f bfo/ ePsf] ;DaGwdf hfgsf/L gePsf].

;+ul7t ;+:yfsf] z]o/ sf/f]jf/ ;DaGwL ljZn]if0fMs_ z]o/ sf/f]jf/ lwtf]kq af]8{af6 lgb]{lzt /xg] x'Fbf o; ;+:yfsf] z]o/ sf/f]jf/ bf];|f] ahf/df ;sf/fTds /x]sf] 5 . nufgLstf{sf] o; ;+:yfk|ltsf] ljZjf; a9\g] qmddf /x]sf] x'Fbf ;+:yfsf] Joj;flos clej[l4 ;Fu} sf/f]af/ d'No eljiodf a9\g] ck]Iff ul/Psf] 5. v_ g]kfn :6s PS;r]Ghsf] j]e;fO{6 cg';f/ o; q}dfl;s cjlwdf o; ;+:yfsf] z]o/ sf/f]jf/ lgDg ljj/0f cg';f/ ePsf] b]lvG5.

z]o/sf] clwstd d"NoM !@# z]o/sf] Go"gtd d"NoM !@! clGtd d"NoM !@# sf/f]af/ ePsf] s'n lbgM # lbg sf/f]af/ ePsf] s'n ;+VofM !#) lsQf;d:of tyf r'gf}tLMcfGtl/s ;d:ofs_ gofF Zffvf la:tf/sf nflu bIf hgzlQmsf] cefjv_ a9\bf] ;~rfng nfut u_ a}+ls· If]qdf a9\b} uO/x]sf] ;~rfng hf]lvdafx\o ;d:ofs_ c:j:y k|lt:kwf{ v_ g]kfn ;/sf/ tyf g]kfn /fi6« Af}+saf6 hf/L x'g] gLltlgb]{zgsf] kl/jt{g af6 x'g ;Sg] hf]lvd u_ t/ntfdf cfpg] ptf/r9fjx?sf] sf/0fn] x'g ;Sg] hf]lvd 3_ /fhg}lts cl:y/tfsf] sf/0faf6 pTkGg c;xh cj:yfsf] sf/0faf6 nufgLsf cj;/x?sf] sdL/0fgLltpk/f]Qm ;d:of tyf r'gf}tLnfO{ sfa'leq /fVg / c:j:y k|lt:kwf{;+u ;fdgf ug{sf] nflu dfgj ;+;fwgnfO{ r':t agfO{ u|fxsd'lv ;]jf k|bfg ug{,bIf hgzlQmsf] ljsf; ug{ / ljQLo If]qdf b]lvPsf] c:j:y k|lt:kwf{sf] ;d:ofnfO{ ;xh?kdf r'gf}tL lbg ;Sg] kl/l:yltsf] ;[hgf ug]{ d'Vo /0fgLlt /x]sf] 5.;+:yfut ;'zf;gMo; ;+:yfåf/f g]kfn /fi6« Af}+saf6 hf/L ul/Psf ;+:yfut ;'zf;g ;DalGw ;Dk"0f{ lgb]{zgsf] k"0f{ ?kdf kfngf ul/Psf] 5. ;fy} ;+:yfut ;'zf;g clej[l4sf nflu lgDg Joj:yfx? ldnfOPsf] 5Ms_ cfGtl/s lgoGq0f sfo{sf] nflu ;+rfnsx?sf] ;+of]hsTjdf n]vf kl/If0f ;ldlt, hf]lvd Go"lgs/0f tyf Joj:yfkgsf nflu hf]lvd Joj:yfkg ;ldlt tyf ;DklQ z'4Ls/0f tyf cft+ssf/L sfo{df ljljw nufgL lgjf/0fsf] nflu ;ldlt u7g ul/Psf] 5.v_ ;DklQ hf]lvdnfO{ Go"lgs/0f ug{sf] nflu ljleGg gLlt lgb]{lzsfx? lgdf{0f u/L sfof{Gjogdf NofO{Psf] 5.u_ cfGtl/s lgoGq0f k|0ffnLnfO{ Jojl:yt ug{sf] nflu cfGtl/s n]vfkl/Ifssf] Joj:yf ul/Psf] 5, n]vfkl/Ifsaf6 q}dfl;s ?kdf n]vfkl/If0f k|ltj]bg n]vfkl/If0f ;ldltdf k]z ug]{ u/]sf] / ;f]df b]lvPsf] s}lkmotx?nfO{ ;'wf/ ug{ ;+rfns ;ldlt dfk{mt Joj:yfkgnfO{ lgb]{zg lbg] Joj:yf ldnfOPsf] 5.;To tYo ;DaGwdf sfo{sf/L k|d'vsf] pb\3f]if0fMcfhsf] ldlt;Dd o; k|ltj]bgdf pNn]lvt hfgsf/L tyf ljj/0fx?sf] z'4tfsf] ;DaGwdf d JolQmut ?kdf pQ/bfloTj lnG5'. ;fy} d of] pb\3f]if ub{5' ls d}n] hfg] a'e]m;Dd o; k|ltj]bgdf pNn]lvt ljj/0fx? ;To, tYo / k"0f{ 5g\ / nufgLstf{x?nfO{ ;';"lrt lg0f{o lng cfjZos s'g} ljj/0f, ;"rgf tyf hfgsf/Lx? n'sfOPsf] 5}g.

!=

@=

#=

$=

%=

^=

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