(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) 274952.36 238007.21 115183.78

1.1 Paid-up Capital 28000.00 28000.00 18200.00

1.2 Reserves and Surplus 717.17 -993.38 -2732.04

1.3 Debenture and Bond

1.4 Borrowings 3000.00 3000.00 3000.00

1.5 Deposits (a+b) 238916.22 203713.07 94357.44

a. Domestic Currency 238916.22 203713.07 94357.44

b. Foreign Currency

1.6 Income Tax Liabilities 232.80 122.73

1.7 Other Liabilities 4318.97 4054.72 2235.66

2 Total Assets (2.1 to 2.7) 274952.36 238007.21 115183.78

2.1 Cash & Bank Balance 22986.95 45165.06 12945.17

2.2 Money at call and short Notice 53354.53 20051.60 11144.28

2.3 Investments

2.4 Loans & Advances (a+b+c+d+e+f) 190393.57 161656.55 84773.67

0 a. Real Estate Loan 661.04 903.23 9295.95

0 1. Residential Real Estate Loan (Except Personal Home Loan upto Rs 10 million) 7482.49

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) 661.04 903.23 1813.47

0 b. Personal Home Loan of Rs. 10 million or less 17705.68 12626.24

0 c. Margin Type Loan 256.13 209.22

0 d. Term Loan 31105.65 30875.09 21126.31

0 e. Overdraft Loan / TR Loan / WC Loan 55056.10 41869.12 14470.68

0 f. Others 85608.97 75173.65 39880.73

2.5 Fixed Assets 5478.68 5410.33 3999.55

2.6 Non Banking Assets

2.7 Other Assets 2738.63 5723.67 2321.12

3 Profit and Loss Account

3.1 Interest income 12923.25 5570.06 4799.92

3.2 Interest Expense 8606.88 3933.57 3290.79

A Net Interest Income (3.1-3.2) 4316.37 1636.49 1509.12

3.3 Fees Commission and Discount 663.63 1606.71 1748.73

3.4 Other Operating Income 2551.62 51.35 19.50

3.5 Foreign Exchange Gain/Loss (Net)

B Total Operating Income (A+3.3+3.4+3.5) 7531.62 3294.55 3277.35

3.6 Staff Expenses 2554.26 1266.28 1328.21

3.7 Other Operating Expenses 1141.82 507.32 651.03

C Operating profit Before Provision (B-3.6-3.7) 3835.54 1520.94 1298.11

3.8 Provision for Possible Loss 758.27 468.85 476.39

D Operating profit (C-3.8) 3077.27 1052.09 821.72

Gaumukhi Bikas Bank LimitedCentral Office, Bijuwar - 6, PyuthanUnaudited Financial Results ( Quarterly)

At the quarter ended Paush, 2069

3.9 Non Operating Income/Expenses (Net)

3.10 Write Back of Provision for Possible Loss 199.49 139.70 6.14

E Profit From Regular Activities (D+3.9+3.10) 3276.75 1191.80 827.87

3.11 Extraordinary Income/Expenses (Net)

F Profit Before Bonus and Taxes (E+3.11) 3276.75 1191.80 827.87

3.12 Provision For Staff Bonus 297.89 108.35 75.26

3.13 Provision For Tax 0.00 0.00

G Net Profit/Loss (F-3.12 -3.13) 2978.87 1083.45 752.61

4 Ratios

4.1 Capital Fund to RWA 14.33% 15.65% 16.84%

4.2 Non Performing Loan (NPL) to Total Loan 0.29% 0.48% 0.38%

4.3 Total Loan Loss Provision to total NPL 402.89% 260.55% 307.66%

4.4 Cost of Funds 8.86 9.05% 8.84%

4.5 CD Ratio (Calculated as per NRB Directives) 71.19% 70.12% 77.43%

Additional Information (Optional)

Average Yield (Local Currency) 15.82 15.87 15.82

Net Interest Spread (Local Currency) 6.95 6.82 6.89

Return on Equity 102.56 96.45 84.99

Return on Assets 0.01 0.00 0.01

Above Figure May Vary with the audited figure if modified by the auditor & Regulator Authority

Gaumukhi Bikash Bank limited

Bijuwar -6, Pyuthan Ph. No. 086-460323, 460324, Email :- Gaumukhi.bijuwar@gmail.com