Chhimek Laghubitta Bittiya Sanstha Ltd.

Central Office, Kathmandu, Nepal

Phone/Fax No : 4490513, 4465785
Email: info@chhimekbank.org, Website: www.chhimekbank.org

UNAUDITED FINANCIAL RESULTS (QUARTERLY)

As on Third Quarter (31/12/2077) for the Fiscal Year 2077/2078 (2020/2021)
(Rs. in '000)
Previous Corresponding
This Quarter
S.N. Particulars Quarter Previous Year
Ending
Ending Quarter Ending
1 Total Capital & Liabilities (1.1 to 1.7) 34,219,565 32,914,208 27,958,790
1.1 Paid-up Capital 1,830,000 1,830,000 1,500,000
1.2 Reserves and Surplus 2,900,834 2,614,831 1,643,127
1.3 Debenture and Bond - - -
1.4 Borrowings 6,003,504 6,125,958 4,619,999
1.5 Deposits 21,821,706 20,862,570 18,072,353
1.6 Income Tax Liabilities 436,456 263,783 256,239
1.7 Other Liabilities 1,227,065 1,217,065 1,867,072
2 Total Assets (2.1 to 2.7) 34,219,565 32,914,208 27,958,790
2.1 Cash & Bank Balance 1,416,464 1,405,966 2,656,392
2.2 Money at call and short Notice - - -
2.3 Investments 5,219,642 5,409,250 4,098,760
2.4 Loans & Advances 26,422,663 25,294,527 20,374,093
2.5 Fixed Assets 241,439 233,534 245,443
2.6 Non Banking Assets - - -
2.7 Other Assets 919,357 570,930 584,103
Previous Corresponding
This Quarter
3 Profit and Loss Account Quarter Previous Year
Ending
Ending Quarter Ending
3.1 Interest Income 2,984,189 1,937,769 2,796,552
3.2 Interest Expense 1,457,232 953,660 1,533,576
A Net Interest Income (3.1-3.2) 1,526,957 984,110 1,262,977
3.3 Fees Commission and Discount 467,254 357,121 327,643
3.4 Other Operating Income 307 223 703
3.5 Foreign Exchange Gain/Loss (Net) - - -
B Total Operating Income (A+3.3+3.4+3.5) 1,994,518 1,341,454 1,591,322
3.6 Staff Expenses 481,569 338,981 509,758
3.7 Other Operating Expenses 108,380 71,049 100,988
C Operating profit Before Provision (B-3.6-3.7) 1,404,570 931,425 980,576
3.8 Provision for Possible Loss 21,546 108,135 154,544
D Operating profit (C-3.8) 1,383,024 823,289 826,032
3.9 Non Operating Income/Expenses (Net) 0 0 69
3.10 Write Back of Provision for Possible Loss 164,114 153,685 122,932
E Profit From Regular Activities (D+3.9+3.10) 1,547,138 976,974 949,033
3.11 Extraordinary Income/Expenses (Net) - - -
F Profit Before Bonus and Taxes (E+3.11) 1,547,138 976,974 949,033
3.12 Provision For Staff Bonus 154,714 97,697 94,903
3.13 Provision For Tax 436,456 263,783 256,239
G Net Profit/Loss (F-3.12 -3.13) 955,968 615,494 597,890
4 Ratios
4.1 Capital Fund to RWA 14.50% 13.89% 14.62%
4.2 Non Performing Loan (NPL) to Total Loan 0.55% 2.13% 0.41%
4.3 Total Loan Loss Provision to total NPL 257.82% 87.73% 183.84%
4.4 Cost of Funds 7.68% 7.67% 9.61%
4.5 CD Ratio (Calculated as per NRB Directives) 121.08% 121.24% 112.74%
"*If the statutory audit and supervisory authority notify any remarks to change, the un-audited financial statement may
change accordingly
*Loan and Advances & Investments are being presented in Gross basis and Loan loss provisions are included on other liabilities."
Interest Rate
5. Deposit 3% - 10.5% 6. Loan and Advance 10% - 15%

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