Welcome to Lumbini Bank

Financial Highlight

Capital Structure

Ownership Pattern

Correspondent Bank

Board of Directors

Management Team

FINANCIALS

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)