BALANCE SHEET       
  Unaudited Financial Results (Quarterly)  
As at Second Quarter of the Fiscal Year 2066/2067  
Rs. in '000  
SN Particulars This  Quarter  Previous Quarter  Previous Year's 
Corresponding
Quarter 		  
9/30/2066 6/31/2066 9/29/2065  
       
1 Total Capital and Liabilities (1.1 to 1.7) 1,190,521 1,140,392 706,551  
1.1 Paid up Capital 100,000 100,000 100,000  
1.2 Reserve and Surplus 23,447 26,060 13,061    
1.3 Debenture and Bond                               -                                            -                                                    -    
1.4 Borrowing 212,000 170,000 80,000  
1.5 Deposits (a+b) 802,792 808,906 461,456  
  a. Domestic Currency 802,792 808,906 461,465  
  b. Foreign Currency                               -                                            -                                                    -    
1.6 Income Tax Liability                               -                   1,192                                                                      -    
1.7 Other Liabilities  52,290 34,234 52,034  
2 Assets (2.1 to 2.7) 1,190,521 1,140,392 706,551  
2.1 Cash and Bank Balance 47.711 51,643 111,101  
2.2 Money at Call and Short Notice         13,062                                   34,885                                                                      -    
2.3 Investments 68,966 132,102 108,102  
2.4 Loan and Advances 1,000,833 866,597 458,725  
2.5 Fixed Assets  6,146 6,473 8,159  
2.6 Non Banking Assets                               -                                            -                                                    -    
2.7 Other Assets  53,811 48,693 20,464  
3 Profit and Loss Account    
3.1 Interest Income  66,002 26,734 33,861  
3.2 Interest Expenses  45,346 20,501 18,030  
  A. Net Interest Income (3.1-3.2) 20,656 6,233 15,831  
3.3 Fees, Commission and Discount 1,435 579 1,021  
3.4 Other Operating Income 4,353 2,161 2,060  
3.5 Foreign Exchange Gain/Loss (Net)                               -                                            -                                                    -    
  B. Total Operating Income (A+3.3+3.4+3.5) 26,444 8,972 18,912  
3.6 Staff Expenses  2,896 1,707 2,357  
3.7 Other Operating Expenses 3,444 1,761 2,936  
  C. Operating Profit Before Provision (B-3.6-3.7) 20,104 5,505 13,619  
3.8 Provision for Possible Losses 4,637 2,576 10,111  
  D. Operating Profit (C-3.8) 15,467 2,928 3,508  
3.9 Non Operating Income/Expenses (Net)                               -                                            -                                                    -    
3.1 Write Back of Provision for Possible Loss 36                                          -                      130                                  
E. Profit from Regular Activities (D+3.9+3.10) 15,503 2,928 3,638  
Extraordinary Income/Expenses (Net)                               -                                            -                                                    -    
F. Profit Before Bonus and Taxes (E+3.11) 15,503 2,928 3,638      
Provision for Staff Bonus           1,409                266                                             331                                
Provision for Tax          4,228                                     799                                         992                                
 G. Net Profit/(Loss) (F-3.12-3.13) 9,866 1,863 2,315  
            Ratios    
  Capital Fund to RWA 12.31% 13.95% 22.73%  
Non performing Loan (NPL) to Total Loan  0.64% 0.92% 2.48%  
Toal Loan Loss Provision to Total NPL 255.98% 208.27% 139.28%  

 

Cost of Funds 

8.94% 

8.38% 

6.66%