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FINANCIALS

UNAUDITED FINANCIAL RESULTS (QUARTERLY) Click Here
As at 2nd Quarter (30/09/2066) of the Fiscal Year 2066/67

( Rs In Thousand )

S.N.	Particulars	This Quarter Ending (2066.09.30)	Previous Quarter Ending (2066.06.31)	Corresponding Previous Year Quarter Ending (2065.09.29)
1.	Total Capital and Liabilities (1.1 to 1.7)	8,094,792	7,804,899	7,539,968
1.1	Paid Up Capital	1,288,028	1,103,579	1,013,416
1.2	Reserve and Surplus	107,216	22,425	(436,671)
1.3	Debenture and Bond	-	-	-
1.4	Borrowings	14,547	37,063	-
1.5	Deposits ( a.+ b.)	5,906,117	5,864,225	5,809,459
	a. Domestic Currency	5,827,905	5,779,995	5,698,384
	b. Foreign Currency	78,212	84,230	111,075
1.6	Income Tax Liability	6,309	16,451	9,432
1.7	Other Liabilities	772,575	761,156	1,144,332
2.	Total Assets (2.1 to 2.7)	8,094,792	7,804,899	7,539,968
2.1	Cash and Bank Balance	513,448	645,003	755,575
2.2	Money at Call and Short Notice	282,717	415,046	-
2.3	Investments	840,922	723,607	773,622
2.4	Loans and Advances ( a + b + c + d + e + f )	6,000,356	5,592,630	5,569,122
	a. Real Estate Loan	364,202	309,921	149,740
	b. Home/Housing Loan	82,660	85,364	184,942
	c. Margin Type Loan	6,786	3,543	-
	d. Term Loan	1,658,886	1,466,620	1,676,755
	e. Overdraft Loan/TR Loan/WC Loan	3,836,135	3,672,809	3,475,206
	f. Others	51,688	54,373	82,478
2.5	Fixed Assets	45,654	45,745	49,805
2.6	Non Banking Assets	109,109	112,674	129,226
2.7	Other Assets	302,586	270,194	262,618
3.	Profit and Loss Account	Up to This Quarter	Up to Previous Quarter	Up to Corresponding Previous Year Quarter
3.1	Interest Income	327,781	149,291	275,838
3.2	Interest Expenses	152,442	74,958	129,587
A. Net Interest Income ( 3.1-3.2 )		175,339	74,333	146,251
3.3	Fees, Commission and Discount	10,533	5,217	11,414
3.4	Other Operating Income	29,932	15,328	90,421
3.5	Foreign Exchange Gain/Loss (Net)	10,025	5,322	14,367
B. Total Operating Income ( A.+3.3+3.4+3.5 )		225,829	100,200	262,453
3.6	Staff Expenses	30,800	15,386	27,280
3.7	Other Operating Expenses	31,011	14,752	28,048
C. Operating Profit Before Provision ( B.-3.6-3.7 )		164,018	70,062	207,125
3.8	Provision for Possible Losses	-	-	-
D. Operating Profit (C.-3.8)		164,018	70,062	207,125
3.9	Non Operating Income/Expenses (Net)	1,462	632	(1,025)
3.10	Write Back of Provision for Possible Loss	182,254	147,350	158,020
E. Profit from Regular Activities (D.+3.9+3.10)		347,734	218,044	364,120
3.11	Extraordinary Income/Expenses (Net)	(373)	-	(17,615)
F. Profit before Bonus and Taxes (E.+3.11)		347,361	218,044	346,505
3.12	Provision for Staff Bonus	31,578	19,822	31,500
3.13	Provision for Tax	35,032	17,516	49,660
3.14	Deferred Tax	30,508	15,254
4.	Ratios	At the End of This Quarter	At the End of Previous Quarter	At the End of Corresponding Previous Year Quarter
4.1	Capital Fund to RWA	22.46%	22.37%	11.05%
4.2	Non Performing Loan (NPL) to Total Loan	6.37%	6.98%	12.33%
4.3	Total Loan Loss Provision to Total NPL	136.15%	141.26%	105.69%
4.4	Cost of Funds	5.19%	4.97%	4.41%
4.5	CD Ratio	83.14%	78.94%	88.84%
* Figures of 2066.09.30 are subject to change from Supervisory Authority and External Audit.

UNAUDITED FINANCIAL RESULTS (QUARTERLY) Click Here
As at 1st Quarter (31/06/2066) of the Fiscal Year 2066/67

( Rs In Thousand )

S.N.	Particulars	This Quarter Ending F.Y.2066.06.31	Previous Quarter Ending (2066.03.31 )	Corresponding Previous Year Quarter Ending (2065.06.30)
1.	Total Capital and Liabilities (1.1 to 1.7)	7,804,899	8,341,480	7,608,396
1.1	Paid Up Capital	1,103,579	1,096,079	996,310
1.2	Reserve and Surplus	22,425	(143,027)	(594,526)
1.3	Debenture and Bond	-	-	-
1.4	Borrowings	37,063	19,538	50,000
1.5	Deposits ( a.+ b.)	5,864,225	6,444,904	6,035,148
	a. Domestic Currency	5,779,995	6,353,116	5,872,610
	b. Foreign Currency	84,230	91,788	162,538
1.6	Income Tax Liability	16,451	(1,025)	14,781
1.7	Other Liabilities	761,156	925,011	1,106,683
2.	Total Assets (2.1 to 2.7)	7,804,899	8,341,480	7,608,396
2.1	Cash and Bank Balance	645,003	994,860	509,873
2.2	Money at Call and Short Notice	415,046	441,801	373,416
2.3	Investments	723,607	803,625	741,819
2.4	Loans and Advances	5,592,630	5,681,394	5,729,409
2.5	Fixed Assets	45,745	46,167	43,290
2.6	Non Banking Assets	112,674	112,674	130,826
2.7	Other Assets	270,194	260,959	79,763
3.	Profit and Loss Account	Up to 4th Quarter	Up to 3rd Quarter	Up to 4th Quarter
3.1	Interest Income	149,291	580,438	126,879
3.2	Interest Expenses	74,958	264,426	65,884
A. Net Interest Income ( 3.1-3.2 )		74,333	316,012	60,995
3.3	Fees, Commission and Discount	5,217	23,490	5,281
3.4	Other Operating Income	15,328	104,228	28,663
3.5	Foreign Exchange Gain/Loss (Net)	5,322	25,705	6,743
B. Total Operating Income ( A.+3.3+3.4+3.5 )		100,200	469,435	101,682
3.6	Staff Expenses	15,386	77,349	14,078
3.7	Other Operating Expenses	14,752	78,453	15,119
C. Operating Profit Before Provision ( B.-3.6-3.7 )		70,062	313,633	72,485
3.8	Provision for Possible Losses	-	-	-
D. Operating Profit (C.-3.8)		70,062	313,633	72,485
3.9	Non Operating Income/Expenses (Net)	632	(2,566)	(1,098)
3.10	Write Back of Provision for Possible Loss	147,350	218,747	65,163

E. Profit from Regular Activities (D.+3.9+3.10)		218,044	529,814	136,550
3.11	Extraordinary Income/Expenses (Net)	-	(17,615)	-
F. Profit before Bonus and Taxes (E.+3.11)		218,044	512,199	136,550
3.12	Provision for Staff Bonus	19,822	46,564	12,414
3.13	Provision for Tax	17,516	72,972	16,646
3.14	Deferred Tax	15,254	60,456	-
G. Net Profit/Loss (F.-3.12-3.13)		165,452	332,207	107,490
4.	Ratios	2066.06.31	2066.03.31	2065.06.30
4.1	Capital Fund to RWA	22.37%	17.78%	8.54%
4.2	Non Performing Loan (NPL) to Total Loan	6.98%	9.06%	13.62%
4.3	Total Loan Loss Provision to Total NPL	141.26%	135.65%	104.66%
*NPR 105 Million Received as calls in advance is included in paid up capital.Similarly,
NPR 184.48 million received in the right issue, which is under the process of allotment, has been considered in the calculation of Capital Adequacy Ratio.
*. Figures of 2066.06.31 are subject to change from Supervisory Authority and External Audit.

UNAUDITED FINANCIAL RESULTS (PROVISIONAL) Click Here
As at 4th Quarter (31/03/2066) of the Fiscal Year 2065/66

( Rs In Thousand )

S.N.	Particulars	This Quarter Ending F.Y. (2066.03.31)	Previous Quarter Ending (2065.12.31)	Corresponding Previous Year Quarter Ending (2065.03.31)
1.	Total Capital and Liabilities (1.1 to 1.7)	8,341,480	7,796,928	7,126,812
1.1	Paid Up Capital	1,096,079	1,015,295	995,710
1.2	Reserve and Surplus	(143,027)	(384,936)	(702,016)
1.3	Debenture and Bond		-	-
1.4	Borrowings	19,538	50,000	-
1.5	Deposits ( a.+ b.)	6,444,904	6,141,913	5,703,734
	a. Domestic Currency	6,353,116	6,038,619	5,579,174
	b. Foreign Currency	91,788	103,294	124,560
1.6	Income Tax Liability	(1,025)	(6,304)	(1,823)
1.7	Other Liabilities	925,011	980,960	1,131,207
2.	Total Assets (2.1 to 2.7)	8,341,480	7,796,928	7,126,812
2.1	Cash and Bank Balance	994,860	727,067	642,602
2.2	Money at Call and Short Notice	441,801	585,000	67,714
2.3	Investments	803,625	723,616	817,471
2.4	Loans and Advances	5,681,394	5,463,619	5,367,310
2.5	Fixed Assets	46,167	47,425	41,287
2.6	Non Banking Assets	112,674	128,054	135,104
2.7	Other Assets	260,959	122,147	55,324
3.	Profit and Loss Account	Up to 4th Quarter	Up to 3rd Quarter	Up to 4th Quarter
3.1	Interest Income	580,438	418,298	535,801
3.2	Interest Expenses	264,426	192,964	260,390
A. Net Interest Income ( 3.1-3.2 )		316,012	225,334	275,411
3.3	Fees, Commission and Discount	23,490	18,345	22,253
3.4	Other Operating Income	104,228	95,843	39,185
3.5	Foreign Exchange Gain/Loss (Net)	25,705	21,553	14,245
B. Total Operating Income ( A.+3.3+3.4+3.5 )		469,435	361,075	351,094
3.6	Staff Expenses	77,349	42,110	59,172
3.7	Other Operating Expenses	78,453	45,768	71,613
C. Operating Profit Before Provision ( B.-3.6-3.7 )		313,633	273,197	220,309
3.8	Provision for Possible Losses	-	-	-
D. Operating Profit (C.-3.8)		313,633	273,197	220,309
3.9	Non Operating Income/Expenses (Net)	(2,566)	(672)	(932)
3.10	Write Back of Provision for Possible Loss	218,747	160,740	195,299
E. Profit from Regular Activities (D.+3.9+3.10)		529,814	433,265	414,676
3.11	Extraordinary Income/Expenses (Net)	(17,615)	(17,615)	5,360
F. Profit before Bonus and Taxes (E.+3.11)		512,199	415,650	420,036
3.12	Provision for Staff Bonus	46,564	37,786	38,185
3.13	Provision for Tax	72,972	60,784	52,706
3.14	Deferred Tax	60,456	-	1,496
G. Net Profit/Loss (F.-3.12-3.13)		332,207	317,080	327,649
4.	Ratios	2066.03.31	2065.12.31	2065.03.31
4.1	Capital Fund to RWA	17.78%	12.40%	6.92%
4.2	Non Performing Loan (NPL) to Total Loan	9.06%	9.87%	14.92%
4.3	Total Loan Loss Provision to Total NPL	135.65%	135.85%	109.64%
*Above figures are subject to change from Supervisory Authority and External Audit

UNAUDITED FINANCIAL RESULTS (PROVISIONAL) Click Here
As at 3rd Quarter (31/12/2065) of the Fiscal Year 2065/66

( Rs In Thousand )

S.N.	Particulars	This Quarter Ending (2065.12.31)	Previous Quarter Ending (2065.09.29)	Corresponding Previous Year Quarter Ending (2064.12.30)
1.	Total Capital and Liabilities (1.1 to 1.7)	7,796,928	7,539,968	7,109,168
1.1	Paid Up Capital	1,015,295	1,013,416	750,000
1.2	Reserve and Surplus	(384,936)	(436,671)	(710,331)
1.3	Debenture and Bond	-	-	-
1.4	Borrowings	50,000	-	-
1.5	Deposits ( a.+ b.)	6,141,913	5,809,459	5,929,715
	a. Domestic Currency	6,038,619	5,698,384	5,750,585
	b. Foreign Currency	103,294	111,075	179,130
1.6	Income Tax Liability	(6,304)	9,432	1,083
1.7	Other Liabilities	980,960	1,144,332	1,138,701
2.	Total Assets (2.1 to 2.7)	7,796,928	7,539,968	7,109,168
2.1	Cash and Bank Balance	727,067	755,575	555,222
2.2	Money at Call and Short Notice	585,000	-	133,238
2.3	Investments	723,616	773,622	833,963
2.4	Loans and Advances	5,463,619	5,569,122	5,284,497
2.5	Fixed Assets	47,425	49,805	42,404
2.6	Non Banking Assets	128,054	129,226	138,126
2.7	Other Assets	122,147	262,618	121,718
3.	Profit and Loss Account	Up to This Quarter	Up to Previous Quarter	Up to Corresponding Previous Year Quarter
3.1	Interest Income	418,298	275,838	357,577
3.2	Interest Expenses	192,964	129,587	195,712
A. Net Interest Income ( 3.1-3.2 )		225,334	146,251	161,865
3.3	Fees, Commission and Discount	18,345	11,414	15,915
3.4	Other Operating Income	95,843	90,421	28,363
3.5	Foreign Exchange Gain/Loss (Net)	21,553	14,367	10,651
B. Total Operating Income ( A.+3.3+3.4+3.5 )		361,075	262,453	216,794
3.6	Staff Expenses	42,110	27,280	39,803
3.7	Other Operating Expenses	45,768	28,048	45,596
C. Operating Profit Before Provision ( B.-3.6-3.7 )		273,197	207,125	131,395
3.8	Provision for Possible Losses	-	-	-
D. Operating Profit (C.-3.8)		273,197	207,125	131,395
3.9	Non Operating Income/Expenses (Net)	(672)	(1,025)	(6,019)
3.10	Write Back of Provision for Possible Loss	160,740	158,020	243,461
E. Profit from Regular Activities (D.+3.9+3.10)		433,265	364,120	368,837
3.11	Extraordinary Income/Expenses (Net)	(17,615)	(17,615)	5,239
F. Profit before Bonus and Taxes (E.+3.11)		415,650	346,505	374,076
3.12	Provision for Staff Bonus	37,786	31,500	27,272
3.13	Provision for Tax	60,784	49,660	27,470
G. Net Profit/Loss (F.-3.12-3.13)		317,080	265,345	319,334
4.	Ratios	At the End of This Quarter	At the End of Previous Quarter	At the End of Corresponding Previous Year Quarter
4.1	Capital Fund to RWA	12.40%*	11.05%*	1.11%
4.2	Non Performing Loan (NPL) to Total Loan	9.87%	12.33%	15.42%
4.3	Total Loan Loss Provision to Total NPL	135.85%	105.69%	109.43%

*Computed as per BASEL II - Capital Adequacy Framework
CORPORATE OFFICE:			BRANCHES:
Durbarmarg, Kathmandu			Narayangarh: 056-521919
Tel.01-4243158/4243165			Hetauda : 057-524255
Fax: 01-4227590			Butwal : 071-545053
E-mail:info@lumbinibank.com.np			Durbarmarg : 01-4243158
			Biratnagar : 021-538823

UNAUDITED FINANCIAL RESULTS (PROVISIONAL) Click Here
As at 2nd Quarter (29/09/2065) of the Fiscal Year 2065/66

( Rs In Thousand )

S.N.	Particulars	This Quarter Ending (2065.09.29)	Previous Quarter Ending (2065.06.30)	Corresponding Previous Year Quarter Ending (2064.09.30)
1.	Total Capital and Liabilities (1.1 to 1.7)	7,539,968	7,608,396	7,057,658
1.1	Paid Up Capital	1,013,416	996,310	750,000
1.2	Reserve and Surplus	(436,671)	(594,526)	(734,365)
1.3	Debenture and Bond	-	-	-
1.4	Borrowings	-	50,000	260,000
1.5	Deposits ( a.+ b.)	5,809,459	6,035,148	5,657,420
	a. Domestic Currency	5,698,384	5,872,610	5,507,543
	b. Foreign Currency	111,075	162,538	149,877
1.6	Income Tax Liability	9,432	14,781	1,944
1.7	Other Liabilities	1,144,332	1,106,683	1,122,659
2.	Total Assets (2.1 to 2.7)	7,539,968	7,608,396	7,057,658
2.1	Cash and Bank Balance	755,575	509,873	512,431
2.2	Money at Call and Short Notice	-	373,416	43,490
2.3	Investments	773,622	741,819	686,836
2.4	Loans and Advances	5,569,122	5,729,409	5,502,758
2.5	Fixed Assets	49,805	43,290	30,722
2.6	Non Banking Assets	129,226	130,826	141,848
2.7	Other Assets	262,618	79,763	139,573
3.	Profit and Loss Account	Up to This Quarter	Up to Previous Quarter	Up to Corresponding Previous Year Quarter
3.1	Interest Income	275,838	126,879	247,041
3.2	Interest Expenses	129,587	65,884	131,412
A. Net Interest Income ( 3.1-3.2 )		146,251	60,995	115,629
3.3	Fees, Commission and Discount	11,414	5,281	10,501
3.4	Other Operating Income	90,421	28,663	20,311
3.5	Foreign Exchange Gain/Loss (Net)	14,367	6,743	5,737
B. Total Operating Income ( A.+3.3+3.4+3.5 )		262,453	101,682	152,178
3.6	Staff Expenses	27,280	14,078	26,563
3.7	Other Operating Expenses	28,048	15,119	30,042
C. Operating Profit Before Provision ( B.-3.6-3.7 )		207,125	72,485	95,573
3.8	Provision for Possible Losses	-	-	-
D. Operating Profit (C.-3.8)		207,125	72,485	95,573
3.9	Non Operating Income/Expenses (Net)	(1,025)	(1,098)	(5,806)
3.10	Write Back of Provision for Possible Loss	158,020	65,163	236,146
E. Profit from Regular Activities (D.+3.9+3.10)		364,120	136,550	325,913
3.11	Extraordinary Income/Expenses (Net)	(17,615)	-	5,239
F. Profit before Bonus and Taxes (E.+3.11)		346,505	136,550	331,152
3.12	Provision for Staff Bonus	31,500	12,414	18,181
3.13	Provision for Tax	49,660	16,646	17,671
G. Net Profit/Loss (F.-3.12-3.13)		265,346	107,490	295,300
4.	Ratios	At the End of This Quarter	At the End of Previous Quarter	At the End of Corresponding Previous Year Quarter
4.1	Capital Fund to RWA	11.05%*	8.54%*	0.31%
4.2	Non Performing Loan (NPL) to Total Loan	12.33%	13.62%	14.94%
4.3	Total Loan Loss Provision to Total NPL	105.69%	104.66%	108.95%

*Computed as per BASEL II - Capital Adequacy Framework
CORPORATE OFFICE:			BRANCHES:
Durbarmarg, Kathmandu			Narayangarh: 056-521919
Tel.01-4243158/4243165			Hetauda : 057-524255
Fax: 01-4227590			Butwal : 071-545053
E-mail:info@lumbinibank.com.np			Durbarmarg : 01-4243158
			Biratnagar : 021-538823

UNAUDITED FINANCIAL RESULTS (PROVISIONAL) Click Here
As at 1st Quarter (30/06/2065) of the Fiscal Year 2065/66

( Rs In Thousand )

S.N.	Particulars	This Quarter Ending (2065.06.30)	Previous Quarter Ending (2065.03.31) (Audited)	Corresponding Previous Year Quarter Ending (2064.06.30)
1.	Total Capital and Liabilities (1.1 to 1.7)	7,608,396	7,126,812	6,827,122
1.1	Paid Up Capital	996,310	995,710	717,956
1.2	Reserve and Surplus	(594,526)	(702,016)	(945,799)
1.3	Debenture and Bond	-	-	-
1.4	Borrowings	50,000	-	-
1.5	Deposits ( a.+ b.)	6,035,148	5,703,734	5,716,107
	a. Domestic Currency	5,872,610	5,579,174	5,573,415
	b. Foreign Currency	162,538	124,560	142,692
1.6	Income Tax Liability	14,781	(1,823)	1,945
1.7	Other Liabilities	1,106,683	1,131,207	1,336,913
2.	Total Assets (2.1 to 2.7)	7,608,396	7,126,812	6,827,122
2.1	Cash and Bank Balance	509,873	642,602	512,691
2.2	Money at Call and Short Notice	373,416	67,714	83,808
2.3	Investments	741,819	817,471	762,746
2.4	Loans and Advances	5,729,409	5,367,310	5,164,499
2.5	Fixed Assets	43,290	41,287	45,931
2.6	Non Banking Assets	130,826	135,104	165,471
2.7	Other Assets	79,763	55,324	91,976
3.	Profit and Loss Account	Up to This Quarter	Up to Previous Quarter	Up to Corresponding Previous Year Quarter
3.1	Interest Income	126,879	535,801	108,773
3.2	Interest Expenses	65,884	260,390	68,355
A. Net Interest Income ( 3.1-3.2 )		60,995	275,411	40,418
3.3	Fees, Commission and Discount	5,281	22,253	5,114
3.4	Other Operating Income	28,663	39,185	10,763
3.5	Foreign Exchange Gain/Loss (Net)	6,743	14,245	2,771
B. Total Operating Income ( A.+3.3+3.4+3.5 )		101,682	351,094	59,066
3.6	Staff Expenses	14,078	59,172	13,320
3.7	Other Operating Expenses	15,119	71,613	15,795
C. Operating Profit Before Provision ( B.-3.6-3.7 )		72,485	220,309	29,951
3.8	Provision for Possible Losses	-	-	-
D. Operating Profit (C.-3.8)		72,485	220,309	29,951
3.9	Non Operating Income/Expenses (Net)	(1,098)	(932)	2,366
3.10	Write Back of Provision for Possible Loss	65,163	195,299	68,820
E. Profit from Regular Activities (D.+3.9+3.10)		136,550	414,676	101,137
3.11	Extraordinary Income/Expenses (Net)		5,360	-
F. Profit before Bonus and Taxes (E.+3.11)		136,550	420,036	101,137
3.12	Provision for Staff Bonus	12,414	38,185	9,194
3.13	Provision for Tax	16,646	54,202	8,077
G. Net Profit/Loss (F.-3.12-3.13)		107,490	327,649	83,866
4.	Ratios	At the End of This Quarter	At the End of Previous Quarter	At the End of Corresponding Previous Year Quarter
4.1	Capital Fund to RWA	8.54%*	6.00%	-3.88%
4.2	Non Performing Loan (NPL) to Total Loan	13.62%	14.92%	18.83%
4.3	Total Loan Loss Provision to Total NPL	104.66%	109.64%	107.43%

CORPORATE OFFICE:			BRANCHES:
Durbarmarg, Kathmandu			Narayangarh: 056-521919
Tel.01-4243158/4243165			Hetauda : 057-524255
Fax: 01-4227590			Butwal : 071-545053
E-mail:info@lumbinibank.com.np			Durbarmarg : 01-4243158
			Biratnagar : 021-538823

UNAUDITED FINANCIAL RESULTS (PROVISIONAL) Click Here
As at 4th Quarter (31/03/2065) of the Fiscal Year 2064/65

( Rs In Thousand )

S.N.	Particulars	This Quarter Ending (2065.03.31)	Previous Quarter Ending (2064.12.30)	Corresponding Previous Year Quarter Ending (2064.03.32) (Audited)
1.	Total Capital and Liabilities (1.1 to 1.7)	7,434,075	7,404,746	7,169,043
1.1	Paid Up Capital	995,710	750,000	600,000
1.2	Reserve and Surplus	(700,952)	(710,331)	(1,029,665)
1.3	Debenture and Bond	-	-	-
1.4	Borrowings	-	-	23,514
1.5	Deposits ( a.+ b.)	5,703,734	5,929,715	6,024,598
	a. Domestic Currency	5,579,174	5,750,585	5,897,535
	b. Foreign Currency	124,560	179,130	127,063
1.6	Income Tax Liability	(11,176)	1,083	(5,622)
1.7	Other Liabilities	1,446,759	1,434,279	1,556,218
2.	Total Assets (2.1 to 2.7)	7,434,075	7,404,746	7,169,043
2.1	Cash and Bank Balance	642,601	555,222	500,808
2.2	Money at Call and Short Notice	67,714	133,238	295,605
2.3	Investments	817,471	833,963	864,337
2.4	Loans and Advances	5,367,309	5,284,497	4,944,501
2.5	Fixed Assets	35,850	36,418	39,893
2.6	Non Banking Assets	135,104	138,126	178,646
2.7	Other Assets	368,026	423,282	345,253
3.	Profit and Loss Account	Up to This Quarter	Up to Previous Quarter	Up to Corresponding Previous Year Quarter
3.1	Interest Income	537,261	357,577	458,649
3.2	Interest Expenses	260,390	195,712	264,765
A. Net Interest Income ( 3.1-3.2 )		276,871	161,865	193,884
3.3	Fees, Commission and Discount	22,253	15,915	24,026
3.4	Other Operating Income	39,185	28,363	49,681
3.5	Foreign Exchange Gain/Loss (Net)	14,245	10,651	13,737
B. Total Operating Income ( A.+3.3+3.4+3.5 )		352,554	216,794	281,328
3.6	Staff Expenses	59,176	39,803	59,938
3.7	Other Operating Expenses	73,052	45,596	68,683
C. Operating Profit Before Provision ( B.-3.6-3.7 )		220,326	131,395	152,707
3.8	Provision for Possible Losses	-	-	-
D. Operating Profit (C.-3.8)		220,326	131,395	152,707
3.9	Non Operating Income/Expenses (Net)	(932)	(6,019)	1,199
3.10	Write Back of Provision for Possible Loss	195,299	243,461	196,701
E. Profit from Regular Activities (D.+3.9+3.10)		414,693	368,837	350,607
3.11	Extraordinary Income/Expenses (Net)	5,360	5,239	(109,243)
F. Profit before Bonus and Taxes (E.+3.11)		420,053	374,076	241,364
3.12	Provision for Staff Bonus	38,187	27,272	21,942
3.13	Provision for Tax	53,153	27,470	27,018
G. Net Profit/Loss (F.-3.12-3.13)		328,713	319,334	192,404
4.	Ratios	At the End of This Quarter	At the End of Previous Quarter	At the End of Corresponding Previous Year Quarter
4.1	Capital Fund to RWA	5.97%	1.11%	-7.80%
4.2	Non Performing Loan (NPL) to Total Loan	14.87%	15.42%	20.37%
4.3	Total Loan Loss Provision to Total NPL	114.52%	109.43%	109.61%

CORPORATE OFFICE:			BRANCHES:
Durbarmarg, Kathmandu			Narayangarh: 056-521919
Tel.01-4243158/4243165			Hetauda : 057-524255
Fax: 01-4227590			Butwal : 071-545053
E-mail:info@lumbinibank.com.np			Durbarmarg : 01-4243158
			Biratnagar : 021-538823

UNAUDITED FINANCIAL RESULTS (QUARTERLY) Click Here
As at 3rd Quarter (30/12/2064) of the Fiscal Year 2064/65

( Rs In Thousand )

S.N.	Particulars	This Quarter Ending (2064.12.30)	Previous Quarter Ending (2064.09.30)	Corresponding Previous Year Quarter Ending (2063.12.30)
1.	Total Capital and Liabilities (1.1 to 1.7)	7,404,746	7,328,248	7,313,975
1.1	Paid Up Capital	750,000	750,000	600,000
1.2	Reserve and Surplus	(710,331)	(734,365)	(954,544)
1.3	Debenture and Bond	-	-	-
1.4	Borrowings	-	260,000	24,318
1.5	Deposits ( a.+ b.)	5,929,715	5,657,420	6,007,196
	a. Domestic Currency	5,750,585	5,507,543	5,812,203
	b. Foreign Currency	179,130	149,877	194,993
1.6	Income Tax Liability	1,083	1,944	28,024
1.7	Other Liabilities	1,434,279	1,393,249	1,608,981
2.	Total Assets (2.1 to 2.7)	7,404,746	7,328,248	7,313,975
2.1	Cash and Bank Balance	555,222	512,431	358,891
2.2	Money at Call and Short Notice	133,238	43,490	298,506
2.3	Investments	833,963	686,836	762,312
2.4	Loans and Advances	5,284,497	5,502,758	5,296,531
2.5	Fixed Assets	36,418	37,369	38,400
2.6	Non Banking Assets	138,126	141,848	164,263
2.7	Other Assets	423,282	403,516	395,072
3.	Profit and Loss Account	Up to This Quarter	Up to Previous Quarter	Up to Corresponding Previous Year Quarter
3.1	Interest Income	357,577	247,041	341,062
3.2	Interest Expenses	195,712	131,412	193,224
A. Net Interest Income ( 3.1-3.2 )		161,865	115,629	147,838
3.3	Fees, Commission and Discount	15,915	10,501	18,158
3.4	Other Operating Income	28,363	20,311	38,705
3.5	Foreign Exchange Gain/Loss (Net)	10,651	5,737	9,778
B. Total Operating Income ( A.+3.3+3.4+3.5 )		216,794	152,178	214,479
3.6	Staff Expenses	39,803	26,563	36,286
3.7	Other Operating Expenses	45,596	30,042	41,872
C. Operating Profit Before Provision ( B.-3.6-3.7 )		131,395	95,573	136,321
3.8	Provision for Possible Losses	-	-	-
D. Operating Profit (C.-3.8)		131,395	95,573	136,321
3.9	Non Operating Income/Expenses (Net)	(6,019)	(5,806)	1,222
3.10	Write Back of Provision for Possible Loss	243,461	236,146	221,619
E. Profit from Regular Activities (D.+3.9+3.10)		368,837	325,913	359,162
3.11	Extraordinary Income/Expenses (Net)	5,239	5,239	(68,903)
F. Profit before Bonus and Taxes (E.+3.11)		374,076	331,152	290,259
3.12	Provision for Staff Bonus	27,272	18,181	-
3.13	Provision for Tax	27,470	17,671	22,734
G. Net Profit/Loss (F.-3.12-3.13)		319,334	295,300	267,525
4.	Ratios	At the End of This Quarter	At the End of Previous Quarter	At the End of Corresponding Previous Year Quarter
4.1	Capital Fund to RWA	1.11%	0.31%	-6.03%
4.2	Non Performing Loan (NPL) to Total Loan	15.42%	14.94%	19.82%
4.3	Total Loan Loss Provision to Total NPL	109.43%	108.95%	101.80%

UNAUDITED FINANCIAL RESULTS (QUARTERLY) Click Here
As at 2nd Quarter (30/09/2064) of the Fiscal Year 2064/65

( Rs In Thousand )

S.N.	Particulars	This Quarter Ending (2064.09.30)	Previous Quarter Ending (2064.06.30)	Corresponding Previous Year Quarter Ending (2063.09.30)
1.	Total Capital and Liabilities (1.1 to 1.7)	7,328,248	7,107,917	6,913,303
1.1	Paid Up Capital	750,000	717,956	500,000
1.2	Reserve and Surplus	(734,365)	(945,799)	(1,004,637)
1.3	Debenture and Bond	-	-	-
1.4	Borrowings	260,000	-	-
1.5	Deposits ( a.+ b.)	5,657,420	5,716,107	5,804,272
	a. Domestic Currency	5,507,543	5,573,415	5,677,253
	b. Foreign Currency	149,877	142,692	127,019
1.6	Income Tax Liability	1,944	1,945	18,244
1.7	Other Liabilities	1,393,249	1,617,707	1,595,424
2.	Total Assets (2.1 to 2.7)	7,328,248	7,107,917	6,913,303
2.1	Cash and Bank Balance	512,431	512,691	376,743
2.2	Money at Call and Short Notice	43,490	83,808	167,318
2.3	Investments	686,836	762,746	741,104
2.4	Loans and Advances	5,502,758	5,164,499	5,081,407
2.5	Fixed Assets	37,369	38,758	39,333
2.6	Non Banking Assets	141,848	165,471	165,413
2.7	Other Assets	403,516	379,944	341,985
3.	Profit and Loss Account	Up to This Quarter	Up to Previous Quarter	Up to Corresponding Previous Year Quarter
3.1	Interest Income	247,041	108,773	226,540
3.2	Interest Expenses	131,412	68,355	126,150
A. Net Interest Income ( 3.1-3.2 )		115,629	40,418	100,390
3.3	Fees, Commission and Discount	10,501	5,114	12,535
3.4	Other Operating Income	20,311	10,763	26,314
3.5	Foreign Exchange Gain/Loss (Net)	5,737	2,771	4,959
B. Total Operating Income ( A.+3.3+3.4+3.5 )		152,178	59,066	144,198
3.6	Staff Expenses	26,563	13,320	24,661
3.7	Other Operating Expenses	30,042	15,795	26,307
C. Operating Profit Before Provision ( B.-3.6-3.7 )		95,573	29,951	93,230
3.8	Provision for Possible Losses	-	-	-
D. Operating Profit (C.-3.8)		95,573	29,951	93,230
3.9	Non Operating Income/Expenses (Net)	(5,806)	2,366	1,313
3.10	Write Back of Provision for Possible Loss	236,146	68,820	204,722
E. Profit from Regular Activities (D.+3.9+3.10)		325,913	101,137	299,265
3.11	Extraordinary Income/Expenses (Net)	5,239	-	(68,879)
F. Profit before Bonus and Taxes (E.+3.11)		331,152	101,137	230,386
3.12	Provision for Staff Bonus	18,181	9,194	-
3.13	Provision for Tax	17,671	8,077	12,954
G. Net Profit/Loss (F.-3.12-3.13)		295,300	83,866	217,432
4.	Ratios	At the End of This Quarter	At the End of Previous Quarter	At the End of Corresponding Previous Year Quarter
4.1	Capital Fund to RWA	0.31%	-3.88%	-8.84%
4.2	Non Performing Loan (NPL) to Total Loan	14.94%	18.83%	20.94%
4.3	Total Loan Loss Provision to Total NPL	108.95%	107.43%	101.89%

UNAUDITED FINANCIAL RESULTS (QUARTERLY) Click Here
As at 1st Quarter (30/06/2064) of the Fiscal Year 2064/65

( Rs In Thousand )

S.N.	Particulars	This Quarter Ending (2064.06.30)	Previous Quarter Ending (2064.03.32) (Audited)	Corresponding Previous Year Quarter Ending (2063.06.31)
1.	Total Capital and Liabilities (1.1 to 1.7)	7,107,917	7,169,043	6,489,713
1.1	Paid Up Capital	717,956	600,000	500,000
1.2	Reserve and Surplus	(945,799)	(1,029,665)	(1,070,754)
1.3	Debenture and Bond	-	-	-
1.4	Borrowings	-	23,514	-
1.5	Deposits ( a.+ b.)	5,716,107	6,024,598	5,429,695
	a. Domestic Currency	5,573,415	5,897,535	5,336,826
	b. Foreign Currency	142,692	127,063	92,869
1.6	Income Tax Liability	1,945	(5,622)	-
1.7	Other Liabilities	1,617,707	1,556,218	1,630,772
2.	Total Assets (2.1 to 2.7)	7,107,917	7,169,043	6,489,713
2.1	Cash and Bank Balance	512,691	500,808	652,009
2.2	Money at Call and Short Notice	83,808	295,605	20,000
2.3	Investments	762,746	864,337	546,540
2.4	Loans and Advances	5,164,499	4,944,501	4,740,327
2.5	Fixed Assets	38,758	39,893	39,928
2.6	Non Banking Assets	165,471	178,646	116,850
2.7	Other Assets	379,944	345,253	374,059
3.	Profit and Loss Account	Up to This Quarter	Up to Previous Quarter	Up to Corresponding Previous Year Quarter
3.1	Interest Income	108,773	458,649	111,784
3.2	Interest Expenses	68,355	264,765	60,632
A. Net Interest Income ( 3.1-3.2 )		40,418	193,884	51,152
3.3	Fees, Commission and Discount	5,114	24,026	6,312
3.4	Other Operating Income	10,763	49,681	11,022
3.5	Foreign Exchange Gain/Loss (Net)	2,771	13,737	1,756
B. Total Operating Income ( A.+3.3+3.4+3.5 )		59,066	281,328	70,242
3.6	Staff Expenses	13,320	59,938	13,813
3.7	Other Operating Expenses	15,795	68,683	12,691
C. Operating Profit Before Provision ( B.-3.6-3.7 )		29,951	152,707	43,738
3.8	Provision for Possible Losses	-	-	-
D. Operating Profit (C.-3.8)		29,951	152,707	43,738
3.9	Non Operating Income/Expenses (Net)	2,366	1,199	-
3.10	Write Back of Provision for Possible Loss	68,820	196,701	110,929
E. Profit from Regular Activities (D.+3.9+3.10)		101,137	350,607	154,667
3.11	Extraordinary Income/Expenses (Net)	-	(109,243)	-
F. Profit before Bonus and Taxes (E.+3.11)		101,137	241,364	154,667
3.12	Provision for Staff Bonus	9,194	21,942	-
3.13	Provision for Tax	8,077	27,018	-
G. Net Profit/Loss (F.-3.12-3.13)		83,866	192,404	154,667
4.	Ratios	At the End of This Quarter	At the End of Previous Quarter	At the End of Corresponding Previous Year Quarter
4.1	Capital Fund to RWA	-3.88%	-7.80%	-9.56%
4.2	Non Performing Loan (NPL) to Total Loan	18.83%	20.37%	25.27%
4.3	Total Loan Loss Provision to Total NPL	107.43%	109.61%	101.67%

UNAUDITED FINANCIAL RESULTS (QUARTERLY) Click Here
As at 4th Quarter (32/03/2064) of the Fiscal Year 2063/64

( Rs In Thousand )

S.N.	Particulars	This Quarter Ending (2064.03.32)	Previous Quarter Ending (2063.12.30)	Corresponding Previous Year Quarter Ending (2063.03.32) (Audited)
1.	Total Capital and Liabilities (1.1 to 1.7)	7,247,885	7,313,975	5,957,438
1.1	Paid Up Capital	600,000	600,000	500,000
1.2	Reserve and Surplus	(996,217)	(954,544)	(1,222,070)
1.3	Debenture and Bond	-	-	-
1.4	Borrowings	23,514	24,318	-
1.5	Deposits ( a.+ b.)	6,024,598	6,007,196	4,786,440
	a. Domestic Currency	5,897,535	5,812,203	4,698,070
	b. Foreign Currency	127,063	194,993	88,370
1.6	Income Tax Liability	37,923	28,024	12,147
1.7	Other Liabilities	1,558,067	1,608,981	1,880,921
2.	Total Assets (2.1 to 2.7)	7,247,885	7,313,975	5,957,438
2.1	Cash and Bank Balance	500,815	358,891	402,134
2.2	Money at Call and Short Notice	330,128	298,506	50,000
2.3	Investments	829,814	762,312	673,988
2.4	Loans and Advances	4,944,645	5,296,531	4,321,587
2.5	Fixed Assets	39,893	38,400	39,304
2.6	Non Banking Assets	178,646	164,263	116,850
2.7	Other Assets	423,944	395,072	353,575
3.	Profit and Loss Account	Up to This Quarter	Up to Previous Quarter	Up to Corresponding Previous Year Quarter
3.1	Interest Income	460,796	341,062	343,821
3.2	Interest Expenses	264,765	193,224	215,553
A. Net Interest Income ( 3.1-3.2 )		196,031	147,838	128,268
3.3	Fees, Commission and Discount	24,027	18,158	16,582
3.4	Other Operating Income	49,681	38,705	14,577
3.5	Foreign Exchange Gain/Loss (Net)	13,749	9,778	20,866
B. Total Operating Income ( A.+3.3+3.4+3.5 )		283,488	214,479	180,293
3.6	Staff Expenses	59,938	36,286	48,581
3.7	Other Operating Expenses	69,045	41,872	70,392
C. Operating Profit Before Provision ( B.-3.6-3.7 )		154,505	136,321	61,320
3.8	Provision for Possible Losses	-	-	855,593
D. Operating Profit (C.-3.8)		154,505	136,321	(794,273)
3.9	Non Operating Income/Expenses (Net)	1,176	1,222	(1,058)
3.10	Write Back of Provision for Possible Loss	237,873	221,619	9,413
E. Profit from Regular Activities (D.+3.9+3.10)		393,554	359,162	(785,918)
3.11	Extraordinary Income/Expenses (Net)	(109,219)	(68,903)	(9,413)
F. Profit before Bonus and Taxes (E.+3.11)		284,335	290,259	(795,331)
3.12	Provision for Staff Bonus	25,849	-	-
3.13	Provision for Tax	32,633	22,734	10,731
G. Net Profit/Loss (F.-3.12-3.13)		225,853	267,525	(806,062)
4.	Ratios	At the End of This Quarter	At the End of Previous Quarter	At the End of Corresponding Previous Year Quarter
4.1	Capital Fund to RWA	-7.19%	-6.03%	-13.93%
4.2	Non Performing Loan (NPL) to Total Loan	19.85%	19.82%	30.99%
4.3	Total Loan Loss Provision to Total NPL	108.25%	101.80%	99.88%

UNAUDITED FINANCIAL RESULTS (QUARTERLY) Click Here
As at 3rd Quarter (30/12/2063) of the Fiscal Year 2063/64

( Rs In Thousand )

S.N.	Particulars	This Quarter Ending (2063.12.30)	Previous Quarter Ending (2063.09.30)	Corresponding Previous Year Quarter Ending (2062.12.31)
1.	Total Capital and Liabilities (1.1 to 1.7)	7,313,975	6,913,303	5,730,181
1.1	Paid Up Capital	600,000	500,000	500,000
1.2	Reserve and Surplus	(954,544)	(1,004,637)	(1,181,236)
1.3	Debenture and Bond	-	-	-
1.4	Borrowings	24,318	-	2,845
1.5	Deposits ( a.+ b.)	6,007,196	5,804,272	4,477,027
	a. Domestic Currency	5,812,203	5,677,253	4,406,483
	b. Foreign Currency	194,993	127,019	70,544
1.6	Income Tax Liability	28,024	18,244	-
1.7	Other Liabilities	1,608,981	1,595,424	1,931,545
2.	Total Assets (2.1 to 2.7)	7,313,975	6,913,303	5,730,181
2.1	Cash and Bank Balance	358,891	376,743	444,704
2.2	Money at Call and Short Notice	298,506	167,318	253,835
2.3	Investments	762,312	741,104	661,199
2.4	Loans and Advances	5,296,531	5,081,407	3,812,510
2.5	Fixed Assets	38,400	39,333	55,819
2.6	Non Banking Assets	164,263	165,413	123,619
2.7	Other Assets	395,072	341,985	378,496
3.	Profit and Loss Account	Up to This Quarter	Up to Previous Quarter	Up to Corresponding Previous Year Quarter
3.1	Interest Income	341,062	226,540	246,255
3.2	Interest Expenses	193,224	126,150	157,656
A. Net Interest Income ( 3.1-3.2 )		147,838	100,390	88,599
3.3	Fees, Commission and Discount	18,158	12,535	10,480
3.4	Other Operating Income	38,705	26,314	7,587
3.5	Foreign Exchange Gain/Loss (Net)	9,778	4,959	16,218
B. Total Operating Income ( A.+3.3+3.4+3.5 )		214,479	144,198	122,884
3.6	Staff Expenses	36,286	24,661	30,965
3.7	Other Operating Expenses	41,872	26,307	42,174
C. Operating Profit Before Provision ( B.-3.6-3.7 )		136,321	93,230	49,745
3.8	Provision for Possible Losses	-	-	843,119
D. Operating Profit (C.-3.8)		136,321	93,230	(793,374)
3.9	Non Operating Income/Expenses (Net)	1,222	1,313	(686)
3.10	Write Back of Provision for Possible Loss	221,619	204,722	2,756
E. Profit from Regular Activities (D.+3.9+3.10)		359,162	299,265	(791,304)
3.11	Extraordinary Income/Expenses (Net)	(68,903)	(68,879)	-
F. Profit before Bonus and Taxes (E.+3.11)		290,259	230,386	(791,304)
3.12	Provision for Staff Bonus	-	-	-
3.13	Provision for Tax	22,734	12,954	-
G. Net Profit/Loss (F.-3.12-3.13)		267,525	217,432	(791,304)
4.	Ratios	At the End of This Quarter	At the End of Previous Quarter	At the End of Corresponding Previous Year Quarter
4.1	Capital Fund to RWA	-6.03%	-8.84%	-15.60%
4.2	Non Performing Loan (NPL) to Total Loan	19.82%	20.94%	40.54%
4.3	Total Loan Loss Provision to Total NPL	101.80%	101.89%	91.75%

UNAUDITED FINANCIAL RESULTS (PROVISIONAL) Click Here
As at 2nd Quarter (13/01/2006) of the Fiscal Year 2005/2006

( Rs In Thousand )

S.N.	Particulars	This Quarter Ending (2062.09.29)	Previous Quarter Ending (2062.06.31)	Corresponding Previous Year Quarter Ending (2061.09.29)
1.	Total Capital and Liabilities (1.1 to 1.7)	5,422,437	5,441,695	4,800,717
1.1	Paid Up Capital	500,000	500,000	500,000
1.2	Reserve and Surplus	(411,814)	(420,574)	(259,877)
1.3	Debenture and Bond	-	-	-
1.4	Borrowings	50,002	100,000	100,000
1.5	Deposits ( a.+ b.)	4,303,551	4,268,925	3,696,969
	a. Domestic Currency	4,264,401	4,227,770	3,689,931
	b. Foreign Currency	39,150	41,155	7,037
1.6	Income Tax Liability		-	-
1.7	Other Liabilities	980,698	993,344	763,626
2.	Total Assets (2.1 to 2.7)	5,422,437	5,441,695	4,800,717
2.1	Cash and Bank Balance	335,690	371,318	324,476
2.2	Money at Call and Short Notice	25,000	-	-
2.3	Investments	836,918	754,522	433,193
2.4	Loans and Advances	3,738,538	3,803,984	3,628,046
2.5	Fixed Assets	52,746	49,407	40,627
2.6	Non Banking Assets	124,163	105,036	39,921
2.7	Other Assets	309,382	357,429	334,456
3.	Profit and Loss Account	Up to This Quarter	Up to Previous Quarter	Up to Corresponding Previous Year Quarter
3.1	Interest Income	176,474	63,589	172,428
3.2	Interest Expenses	103,591	40,003	95,427
A. Net Interest Income ( 3.1-3.2 )		72,883	23,586	77,001
3.3	Fees, Commission and Discount	7,177	3,114	6,581
3.4	Other Operating Income	4,363	2,182	5,725
3.5	Foreign Exchange Gain/Loss (Net)	10,374	6,212	847
B. Total Operating Income ( A.+3.3+3.4+3.5 )		94,797	35,094	90,154
3.6	Staff Expenses	20,598	10,995	15,448
3.7	Other Operating Expenses	23,947	10,573	22,135
C. Operating Profit Before Provision ( B.-3.6-3.7 )		50,252	13,526	52,571
3.8	Provision for Possible Losses	74,942	179,109	183,199
D. Operating Profit (C.-3.8)		(24,690)	(165,583)	(130,628)
3.9	Non Operating Income/Expenses (Net)	52		98
3.10	Write Back of Provision for Possible Loss	2,756
E. Profit from Regular Activities (D.+3.9+3.10)		(21,883)	(165,583)	(130,530)
3.11	Extraordinary Income/Expenses (Net)
F. Profit before Bonus and Taxes (E.+3.11)		(21,883)	(165,583)	(130,530)
3.12	Provision for Staff Bonus
3.13	Provision for Tax
G. Net Profit/Loss (F.-3.12-3.13)		(21,883)	(165,583)	(130,530)
4.	Ratios	At the End of This Quarter	At the End of Previous Quarter	At the End of Corresponding Previous Year Quarter
4.1	Capital Fund to RWA	3.26%	2.97%	6.45%
4.2	Non Performing Loan (NPL) to Total Loan	21.33%	20.88%	18.06%
4.3	Total Loan Loss Provision to Total NPL	86.75%	87.68%	67.01%

UNAUDITED FINANCIAL RESULTS (PROVISIONAL) Click Here
As at 1st Quarter (17/10/2005) of the Fiscal Year 2005/2006

( Rs In Thousand )

S.N.	Particulars	This Quarter Ending (2062.06.31)	Previous Quarter Ending 2062.03.31	Corresponding Previous Year Quarter Ending 2061.06.30
1.	Total Capital and Liabilities (1.1 to 1.7)	5,441,695	5,080,109	5,024,618
1.1	Paid Up Capital	500,000	500,000	500,000
1.2	Reserve and Surplus	(420,574)	(254,991)	(148,205)
1.3	Debenture and Bond	-	-	-
1.4	Borrowings	100,000	-	164,719
1.5	Deposits ( a.+ b.)	4,268,925	4,031,221	3,874,327
	a. Domestic Currency	4,227,770	3,992,605	3,868,361
	b. Foreign Currency	41,155	38,616	5,965
1.6	Income Tax Liability		35,196
1.7	Other Liabilities	993,344	768,683	633,777

2.	Total Assets (2.1 to 2.7)	5,441,695	5,080,109	5,024,618
2.1	Cash and Bank Balance	371,318	419,013	374,587
2.2	Money at Call and Short Notice	-	-	80,000
2.3	Investments	754,522	535,185	628,332
2.4	Loans and Advances	3,803,984	3,685,135	3,563,564
2.5	Fixed Assets	49,407	48,345	39,822
2.6	Non Banking Assets	105,036	105,036	37,266
2.7	Other Assets	357,429	287,396	301,049

3.	Profit and Loss Account	Up to This Quarter	Up to Previous Quarter	Up to Correspoding Previous Year Quarter
3.1	Interest Income	63,589	384,598	35,494
3.2	Interest Expenses	40,003	193,475	6,930
A. Net Interest Income ( 3.1-3.2 )		23,586	191,123	28,564
3.3	Fees, Commission and Discount	3,114	13,935	3,221
3.4	Other Operating Income	2,182	14,349	2,392
3.5	Foreign Exchange Gain/Loss (Net)	6,212	12,294	4,400
B. Total Operating Income ( A.+3.3+3.4+3.5 )		35,094	231,701	38,576
3.6	Staff Expenses	10,995	37,084	8,718
3.7	Other Operating Expenses	10,573	50,385	10,862
C. Operating Profit Before Provision ( B.-3.6-3.7 )		13,526	144,233	18,996
3.8	Provision for Possible Losses	179,109	303,412	113,779
D. Operating Profit (C.-3.8)		(165,583)	(159,179)	(94,783)
3.9	Non Operating Income/Expenses (Net)	-	(2,398)	90
3.10	Write Back of Provision for Possible Loss	-	-	-
E. Profit from Regular Activities (D.+3.9+3.10)		(165,583)	(161,577)	(94,693)
3.11	Extraordinary Income/Expenses (Net)	-	-	-
F. Profit before Bonus and Taxes (E.+3.11)		(165,583)	(161,577)	(94,693)
3.12	Provision for Staff Bonus	-	-	-
3.13	Provision for Tax	-	35,196	-
G. Net Profit/Loss (F.-3.12-3.13)		(165,583)	(196,773)	(94,693)

4.	Ratios	At the End of This quarter	At the End of Previous Quarter	At the End of Corresponding Previous Year Quarter
4.1	Capital Fund to RWA	2.97%	6.93%	9.14%
4.2	Non Performing Loan (NPL) to Total Loan	20.88%	15.23%	12.04%
4.3	Total Loan Loss Provision to Total NPL	87.68%	92.21%	81.15%

UNAUDITED FINANCIAL RESULTS (PROVISIONAL) Click Here
As at End of Fourth Quarter of Fiscal year 2061/062 (2004-2005)

( Rs In Thousand )

S.N.	Particulars	Fourth Quarter 2062.03.32	Previous Quarter 2061.12.31	Previous Year 2061.03.31 (Audited)
1.	Authorised Capital	1000.00	1000.00	1000.00
2.	Issued Capital	500.00	500.00	500.00
3.	Paid-up Capital	500.00	500.00	350.00
4.	General Reserves	21.63	21.63	21.63
5.	Provision for loan loss	493.07	645.90	279.75
6.	Other Reserves	0.00	4.70	4.70
7.	Retained Earning	(250.46)	(103.56)	(103.56)
8.	Total Deposit & Brrowings	4031.22	4167.93	3942.33
	Interest Bearing	3819.46	3955.95	3691.25
	Non-Interest Bearing	211.76	211.98	251.08
9.	Total Credit	3661.34	3864.70	3222.75
10.	Total Investment	535.18	444.87	588.19
11.	Cash & Bank Balance	419.01	460.99	531.10
	Balance with NRB	267.60	312.63	324.76
	Balance with other Banks	48.18	55.63	91.64
	Cash in Vault	103.23	92.73	114.70
12.	Other Assests	370.14	384.16	224.41
13.	Other Liabilities	196.95	204.59	120.82
14.	Total Income	422.91	272.66	401.18
	Interest Income	384.75	250.38	361.24
	Other Income	38.16	22.28	39.94
15.	Total Expenses	282.50	190.16	281.01
	Interest Expenses	193.47	134.02	197.32
	Operating Expenses	89.02	56.14	83.69
16.	Operating Profit	140.41	82.50	120.17
17.	Profit / (Loss)	-	-	-

UNAUDITED FINANCIAL RESULTS (PROVISIONAL) Click Here
As at End of Third Quarter of Fiscal year 2061/062 (2004-2005)

( Rs In Thousand )

S.N.	Particulars	Third Quarter 2061.12.31	Previous Quarter 2061.09.29	Previous Year 2060.12.30
1.	Authorised Capital	1000.00	1000.00	1000.00
2.	Issued Capital	500.00	500.00	500.00
3.	Paid-up Capital	500.00	500.00	350.00
4.	General Reserves	21.63	21.63	17.90
5.	Provision for loan loss	645.90	462.94	350.65
6.	Other Reserves	4.70	4.70	1.85
7.	Retained Earning	(103.56)	(103.56)	(227.72)
8.	Total Deposit & Brrowings	4167.93	3796.97	3601.70
	Interest Bearing	3955.95	3566.65	3395.25
	Non-Interest Bearing	211.98	230.32	206.45
9.	Total Credit	3864.70	3628.04	3213.99
10.	Total Investment	444.87	433.19	347.77
11.	Cash & Bank Balance	460.99	324.47	435.54
	Balance with NRB	312.63	221.06	222.12
	Balance with other Banks	55.63	26.14	67.58
	Cash in Vault	92.73	77.27	145.84
12.	Other Assests	384.16	374.37	226.52
13.	Other Liabilities	204.59	224.50	510.06
14.	Total Income	272.66	185.68	246.70
	Interest Income	250.38	172.43	224.54
	Other Income	22.28	13.25	22.16
15.	Total Expenses	190.16	133.01	184.35
	Interest Expenses	134.02	95.43	129.70
	Operating Expenses	56.14	37.58	54.65
16.	Operating Profit	82.50	52.67	62.35
17.	Profit / (Loss)	-	-	-

UNAUDITED FINANCIAL RESULTS (PROVISIONAL) Click Here
As at End of Second Quarter of Fiscal year 2061/062 (2004-2005)

( Rs In Thousand )

S.N.	Particular	Second Quarter 2061.09.29	Previous Quarter 2061.06.30	Previous Year 2060.09.30
1.	Authorised Capital	1000.00	1000.00	1000.00
2.	Issued Capital	500.00	500.00	500.00
3.	Paid-up Capital	350.00	350.00	350.00
4.	General Reserves	21.63	21.63	18.90
5.	Provision for loan loss	462.94	394.66	315.91
6.	Other Reserves	4.70	4.70	1.85
7.	Retained Earning	(103.56)	(102.93)	(215.10)
8.	Total Deposit & Brrowings	3796.97	4039.05	3356.01
	Interest Bearing	3566.65	3791.22	3137.00
	Non-Interest Bearing	230.32	247.83	219.01
9.	Total Credit	3628.04	3563.56	3041.13
10.	Total Investment	433.19	708.33	405.10
11.	Cash & Bank Balance	324.47	374.59	354.69
	Balance with NRB	221.06	223.30	236.49
	Balance with other Banks	26.14	57.79	18.06
	Cash in Vault	77.27	93.50	100.14
12.	Other Assests	374.37	338.31	244.50
13.	Other Liabilities	224.50	143.76	446.62
14.	Total Income	185.68	73.28	172.94
	Interest Income	172.43	63.18	155.22
	Other Income	13.25	10.10	17.72
15.	Total Expenses	133.01	62.79	127.68
	Interest Expenses	95.43	43.21	92.61
	Operating Expenses	37.58	19.58	35.07
16.	Operating Profit	52.67	10.49	45.25
17.	Profit / (Loss)	-	-	-

UNAUDITED FINANCIAL RESULTS (PROVISIONAL) Click Here
As at End of First Quarter of Fiscal year 2061/062 (2004-2005)

( Rs In Thousand )

S.N.	Particular	First Quarter 2061.06.30	Previous Quarter 2061.03.31	Previous Year 2060.06.30
1.	Authorised Capital	1000.00	1000.00	1000.00
2.	Issued Capital	500.00	500.00	500.00
3.	Paid-up Capital	350.00	350.00	350.00
4.	General Reserves	21.63	21.63	18.90
5.	Provision for loan loss	394.66	279.75	315.91
6.	Other Reserves	4.70	4.70	1.85
7.	Retained Earning	(102.93)	(102.93)	(215.10)
8.	Total Deposit & Brrowings	4039.05	3942.33	3326.78
	Interest Bearing	3791.22	3691.25	3124.83
	Non-Interest Bearing	247.83	251.08	201.95
9.	Total Credit	3563.56	3222.75	2869.58
10.	Total Investment	708.33	588.19	467.92
11.	Cash & Bank Balance	374.59	531.10	320.17
	Balance with NRB	223.30	324.76	169.84
	Balance with other Banks	57.79	91.64	56.93
	Cash in Vault	93.50	114.70	93.40
12.	Other Assests	338.31	224.41	200.84
13.	Other Liabilities	143.76	120.82	476.70
14.	Total Income	73.28	401.18	69.37
	Interest Income	63.18	361.24	61.96
	Other Income	10.10	39.94	7.41
15.	Total Expenses	62.79	281.01	48.72
	Interest Expenses	43.21	197.32	30.29
	Operating Expenses	19.58	83.69	18.43
16.	Operating Profit	10.49	120.17	20.65
17.	Profit / (Loss)	-	-	-

Balance Sheet

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Statement of Income

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