Unaudited Financial Results of Commercial Banks (Quarterly)

As at Second Quarter (14/01/2010) of the Fiscal Year 2066/2067.

Rs.In "000"

S. N. NBL1 RBB2 NABIL3 NIBL4 SCBNL5 HBL6 NSBI7 NBBL8 EBL9 BOK10 NCCB 11 NICB 12 LUMBINI 13 MBL 14 KUMARI 15 LAXMI16 SBL17 ADB/N 18 GLOBAL19 CITIZENS 20 PRIME 21 SUNRISE22 BOA23 DCBL 24 NMB25 KIST26 Total
Particulars
1. Total Capital and Liabilities (1.1 to 1.7) 49373890.0 69886840.0 52020628.0 56064615.0 39153446.0 42787164.0 34487778.0 15272165.0 39218335.0 23173096.0 12637094.0 19114254.0 8094792.0 20760100.0 20965674.0 20081993.0 20966456.0 51086835.0 15584617.0 15581218.0 18616360.2 16912717.0 14472382.0 9740973.0 11883677.0 16459462.0 714396561.2
1.1 Paid Up Capital 380383.0 1172300.0 1449124.0 2407069.0 1398484.0 1600000.0 874528.0 1860315.0 1030467.0 1182157.0 1399558.0 1311552.0 1288028.0 1479131.0 1304936.0 1533671.0 1087204.0 10777500.0 1325136.0 1159138.0 1163755.0 1419350.0 1053225.0 1655289.0 1430000.0 2000000.0 44742300.0
1.2 Reserve and Surplus (5248566.0) (13491529.0) 2313516.0 2095146.0 2167458.0 1742212.0 1040176.0 (83233.0) 1556878.0 797146.0 (6005.0) 551095.0 107216.0 325025.0 469631.0 409541.0 455211.0 159294.0 54816.0 119401.0 319440.1 154448.3 112265.0 294768.0 240133.0 85274.0 (3259242.6)
1.3 Debenture and Bond 300000.0 1050000.0 500000.0 200000.0 300000.0 200000.0 200000.0 400000.0 350000.0 227770.0 3727770.0
1.4 Borrowings 1866008.0 7534778.0 2358854.0 1627300.0 500000.0 2668659.0 1600000.0 320000.0 1082369.0 14547.0 2812708.0 1474000.0 600000.0 1450000.0 545937.0 784600.0 1070000.0 1763372.2 1149776.2 959500.0 260000.0 317518.0 1606810.0 34366736.3
1.5 Deposits (a.+b.) 43197080.0 63096023.0 44023217.0 47340317.0 34354386.0 37022129.0 28882482.0 9431180.0 34802841.0 18727142.0 9715555.0 15585450.0 5906117.0 15347019.0 16714593.0 16764666.0 17504533.0 33437942.0 13038917.0 12898956.0 15168648.0 13719149.8 11753715.0 7346338.0 8313089.0 12469715.0 586561199.8
a. Domestic Currency 42977670.0 62122722.0 37233917.0 42574197.0 22207125.0 31852122.0 19036496.0 9253813.0 33884785.0 17318481.0 9601066.0 14888071.0 5827905.0 14962311.0 16521816.0 15007045.0 16631108.0 33437942.0 12688687.0 12592585.0 14320666.4 12776387.6 11131930.0 7306819.0 7615960.0 12468428.0 536240055.0
b. Foreign Currency 219410.0 973301.0 6789300.0 4766120.0 12147261.0 5170007.0 9845986.0 177367.0 918056.0 1408661.0 114489.0 697379.0 78212.0 384708.0 192777.0 1757621.0 873425.0 350230.0 306371.0 847981.7 942762.2 621785.0 39519.0 697129.0 1287.0 50321144.9
1.6 Income Tax Liability 70970.0 43060.0 (29552.0) 70004.0 34327.0 9703.0 26826.0 6309.0 6864.0 3982.0 751686.0 10008.0 36569.0 66488.5 41519.1 41275.0 24799.0 1214837.6
1.7 Other Liabilities 9178985.0 11575268.0 1575917.0 1473813.0 1190058.0 1452375.0 821933.0 3993899.0 1493822.0 666651.0 1198283.0 356962.0 772575.0 789353.0 602514.0 424115.0 237756.0 5414476.0 371140.0 297154.0 134656.3 428473.7 552402.0 184578.0 1558138.0 297663.0 47042960.0
2. Total Assets (2.1 to 2.7) 49373890.0 69886840.0 52020628.0 56064615.0 39153446.0 42787164.0 34487778.0 15272165.0 39218335.0 23173096.0 12637094.0 19114254.0 8094792.0 20760100.0 20965674.0 20081993.0 20966456.0 51086835.0 15584617.0 15581218.0 18616360.2 16912717.0 14472382.0 9740973.0 11883677.0 16459462.0 714396561.2
2.1 Cash and Bank Balance 8155169.0 10330947.0 2834880.0 5552911.0 3076595.0 2834348.0 2924802.0 1391833.0 4744314.0 2178151.0 1213523.0 1316752.0 513448.0 2286602.0 2016275.0 1702675.0 1553600.0 3523241.0 1555284.0 1363156.0 1243406.9 1094193.6 975249.0 503732.0 1768873.0 1366618.0 68020578.5
2.2 Money at Call and Short Notice 450000.0 250000.0 1866369.0 3586456.0 579232.0 190000.0 280000.0 284418.0 164319.0 190000.0 282717.0 70000.0 601810.0 273910.0 402500.0 853547.0 95000.0 219370.0 100000.0 1390264.3 1003390.0 980170.0 211599.0 444855.0 14769926.3
2.3 Investments 11204049.0 16532452.0 11697223.0 7222933.0 15782007.0 6864589.0 12306962.0 1968380.0 4252780.0 2486458.0 1570254.0 2231017.0 840922.0 1859101.0 1994992.0 2532244.0 2018258.0 4338452.0 1431253.0 2808752.0 2733617.7 1330697.0 1467305.0 724142.0 2504791.0 1461209.0 122164839.7
2.4 Loans and Advances 22036960.0 33500356.0 33910095.0 41850141.0 15507107.0 30796074.0 18426315.0 10082353.0 28684027.0 17494431.0 8639966.0 14485031.0 6000356.0 15386501.0 15626093.0 15130985.0 16426878.0 34370261.0 11898069.0 10806504.0 14244666.5 12278858.4 10409828.0 7214860.0 6882496.0 11839611.0 463928823.0
a. Real Estate Loan 1590446.0 4421382.0 9730283.0 662317.0 964323.0 313843.0 873420.0 1641473.0 1206282.0 1708064.0 364202.0 3397591.0 3907867.0 3741577.0 3507414.0 233.0 2754946.0 2677289.0 3855898.3 3858218.9 2546848.0 2702408.0 1666322.0 4065069.0 62157716.1
b. Home / Housing Loan 2895581.0 2526906.0 1330659.0 3438500.0 2588136.0 609221.0 4110392.0 1635813.0 687835.0 1143948.0 82660.0 819666.0 1159989.0 883527.0 766345.0 1730849.0 447853.0 784047.0 1008823.7 442134.0 766140.0 344598.0 506178.0 1167523.0 31877323.7
c. Margin Type Loan 934014.0 574605.0 150000.0 14164.0 5279.0 197450.0 103811.0 853576.0 6786.0 65918.0 424177.0 294657.0 441930.0 436103.0 422404.0 893701.8 65184.7 488476.0 263517.0 640077.0 375028.0 7650858.5
d. Term Loan 2108872.0 4476645.0 5774819.0 692188.0 1110020.0 1275255.0 5209174.0 1667043.0 694669.0 871791.0 1658886.0 2115971.0 2080392.0 2006250.0 2867442.0 10398920.0 1019076.0 1658767.0 1368399.5 1476654.4 709566.0 822315.0 487145.0 1173120.0 53723379.9
e. Overdraft / TR Loan / WC Loan 14335837.0 16132223.0 19661057.0 5010196.0 10466699.0 5841744.0 12321157.0 9267504.0 4061229.0 5513403.0 3836135.0 6017758.0 7166213.0 6444205.0 7467165.0 18975129.0 5852429.0 3429432.0 3617584.9 5112382.9 3262742.0 1618123.0 1952384.0 3359210.0 180721941.8
f. Others 22036960.0 11635606.0 6352939.0 4778718.0 5553906.0 30796074.0 3282973.0 2042290.0 6164605.0 3085148.0 1886140.0 4394249.0 51687.0 2969597.0 887455.0 1760769.0 1376582.0 3265130.0 1387662.0 1834565.0 3500258.3 1324283.6 2636056.0 1463899.0 1630390.0 1699661.0 127797602.9
2.5 Fixed Assets 265496.0 815747.0 680008.0 1070318.0 137157.0 990834.0 331339.0 152455.0 511734.0 491704.0 273484.0 254751.0 45654.0 680479.0 268359.0 234335.0 139847.0 840467.0 348843.0 171544.0 113529.4 311180.4 187233.0 233723.0 221982.0 968584.0 10740786.7
2.6 Non Banking Assets 527134.0 251351.0 375.0 15749.0 4548.0 495399.0 109109.0 1403665.0
2.7 Other Assets 6735082.0 8205987.0 1032053.0 367937.0 1064124.0 706338.0 498360.0 1487144.0 745480.0 233386.0 280149.0 636703.0 302586.0 477417.0 458145.0 207844.0 425373.0 7160867.0 256168.0 211892.0 181139.7 507523.3 429377.0 84346.0 293936.0 378585.0 33367942.0

Up to This Up to This Up to This Up to This Up to This Up to This Up to This Up to This Up to This Up to This Up to This Up to This Up to This Up to This Up to This Up to This Up to This Up to This Up to This Up to This Up to This Up to This Up to This Up to This Up to This Up to This Up to This
3. Profit and Loss Account
Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter

3.1 Interest Income 1273148.0 1842671.0 1762876.0 2079475.0 988163.0 1360599.0 976422.0 533148.0 1373783.0 811023.0 440915.0 801292.0 327781.0 733279.0 1017406.0 817114.0 859704.0 2331726.0 593572.0 593941.0 736348.2 735190.5 559741.0 407638.0 351404.0 612232.0 24920591.7
3.2 Interest Expense 415622.0 580547.0 764167.0 1142648.0 267168.0 673174.0 618175.0 219461.0 688713.0 386386.0 251438.0 482495.0 152442.0 468325.0 709376.0 513456.0 578926.0 679076.0 409166.0 406495.0 485672.4 494882.9 349433.0 259581.0 229580.0 397859.0 12624264.3
A. Net Interest Income (3.1 - 3.2) 857526.0 1262124.0 998709.0 936827.0 720995.0 687425.0 358247.0 313687.0 685070.0 424637.0 189477.0 318797.0 175339.0 264954.0 308030.0 303658.0 280778.0 1652650.0 184406.0 187446.0 250675.8 240307.6 210308.0 148057.0 121824.0 214373.0 12296327.5
3.3 Fees, Commission and Discount 115010.0 242774.0 92316.0 197489.0 120336.0 164713.0 50171.0 53932.0 114069.0 85305.0 25791.0 37370.0 10533.0 24120.0 72419.0 25346.0 19485.0 66727.0 29534.0 53858.0 13274.4 51656.7 14797.0 7202.0 15150.0 6996.0 1710374.0
3.4 Other Operating Income 88501.0 70230.0 115447.0 50233.0 21430.0 27751.0 41754.0 28532.0 76563.0 27975.0 51653.0 28981.0 29932.0 32702.0 38948.0 35920.0 152038.0 33161.0 5597.0 73594.1 43333.0 19336.0 34165.0 64757.0 1192533.1
3.5 Foreign Exchange Gain/Loss (Net) 7363.0 2113.0 139453.0 124854.0 247401.0 105025.0 39208.0 26957.0 21472.0 80646.0 12747.0 51006.0 10025.0 24606.0 22189.0 24831.0 16666.0 341.0 18076.0 7100.0 13499.3 30751.9 20018.0 5885.0 10951.0 1536.0 1064720.1
B. Total Operating Income (A.+ 3.3+ 3.4 + 3.5) 1068400.0 1577241.0 1345925.0 1309403.0 1110162.0 984914.0 489380.0 423108.0 897174.0 618563.0 279668.0 436154.0 225829.0 346382.0 402638.0 392783.0 352849.0 1871756.0 265177.0 254001.0 351043.5 322716.2 288456.0 180480.0 182090.0 287662.0 16263954.7
3.6 Staff Expenses 519312.0 587211.0 160304.0 115642.0 142625.0 188966.0 63246.0 62546.0 107722.0 81829.0 53326.0 49807.0 30800.0 69597.0 70967.0 52527.0 42963.0 1000905.0 46911.0 28486.0 23107.4 56437.9 44488.0 27658.0 30843.0 63215.0 3721441.2
3.7 Other Operating Expenses 139157.0 170262.0 156132.0 229026.0 150956.0 215464.0 134415.0 53912.0 162898.0 128660.0 46789.0 59173.0 31011.0 93049.0 87228.0 64928.0 66306.0 104512.0 61223.0 65157.0 38689.5 84674.7 63899.0 21094.0 46524.0 103505.0 2578644.2
C. Operating Profit Before Provision (B. -3.6-3.7) 409931.0 819768.0 1029489.0 964735.0 816581.0 580484.0 291719.0 306650.0 626554.0 408074.0 179553.0 327174.0 164018.0 183736.0 244443.0 275328.0 243580.0 766339.0 157043.0 160358.0 289246.7 181603.6 180069.0 131728.0 104723.0 120942.0 9963869.3
3.8 Provision for Possible Losses 39109.0 110549.0 91009.0 55455.0 55757.0 253943.0 30086.0 104653.0 35313.0 35907.0 23051.0 16651.0 52039.0 9082.0 24087.0 41391.0 1027700.0 120347.0 26797.0 45455.5 29366.8 28726.0 5129.0 17761.0 55895.0 2335259.3
D. Operating Profit (C. -3.8) 370822.0 709219.0 938480.0 909280.0 760824.0 326541.0 261633.0 201997.0 591241.0 372167.0 156502.0 310523.0 164018.0 131697.0 235361.0 251241.0 202189.0 (261361.0) 36696.0 133561.0 243791.2 152236.8 151343.0 126599.0 86962.0 65047.0 7628610.0
3.9 Non Operating Income / Expenses (Net) 11267.0 26606.0 9064.0 5407.0 30740.0 8123.0 2186.0 183.0 8748.0 1381.0 40220.0 7523.0 1462.0 (254.0) 296.0 29316.0 526.0 856.0 45.0 183695.0
3.10 Write Back of Provision for Possible Loss 79631.0 540573.0 31025.0 19330.0 19046.0 26287.0 3155.0 606149.0 10122.0 189140.0 182254.0 31694.0 53.0 933117.0 3110.0 2674686.0
E. Profit from Regular Activities (D+3.9+3.10) 461720.0 1276398.0 978569.0 934017.0 810610.0 360951.0 266974.0 808329.0 610111.0 373548.0 385862.0 318046.0 347734.0 163391.0 235107.0 251590.0 202189.0 701072.0 36696.0 134087.0 243791.2 152236.8 151343.0 126599.0 90928.0 65092.0 10486991.0
3.11 Extraordinary Income/Expenses (Net) 81450.0 27622.0 13582.0 (4564.0) (11573.0) 5982.0 (7122.0) (1166.0) (373.0) 6765.0 135710.0 246313.0
F. Profit before Bonus and Taxes (E. + 3.11) 543170.0 1304020.0 992151.0 934017.0 806046.0 349378.0 272956.0 808329.0 602989.0 373548.0 384696.0 318046.0 347361.0 163391.0 235107.0 258355.0 202189.0 836782.0 36696.0 134087.0 243791.2 152236.8 151343.0 126599.0 90928.0 65092.0 10733304.0
3.12 Provision for Staff Bonus 49379.0 96594.0 90196.0 84911.0 73277.0 31762.0 24814.0 73484.0 54817.0 33959.0 34972.0 28913.0 31578.0 14854.0 21373.0 23487.0 18381.0 66943.0 3336.0 12190.0 22162.9 13839.7 13758.0 11509.0 8266.0 5918.0 944673.6
3.13 Provision for Tax 148138.0 54912.0 268726.0 254732.0 219831.0 95285.0 46047.0 70004.0 164452.0 101877.0 55090.0 86740.0 65540.0 44561.0 64120.0 70461.0 55143.0 153968.0 10008.0 36569.0 66488.5 41519.1 41275.0 34527.0 24799.0 19019.0 2293831.6
G. Net Profit/Loss (F. - 3.12-3.13) 345653.0 1152514.0 633229.0 594374.0 512938.0 222331.0 202095.0 664841.0 383720.0 237712.0 294634.0 202393.0 250243.0 103976.0 149614.0 164407.0 128665.0 615871.0 23352.0 85328.0 155139.8 96878.0 96310.0 80563.0 57863.0 40155.0 7494798.8

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At the End of
4. Ratios of This of This of This of This of This of This of This of This of This of This of This of This of This of This of This of This of This of This of This of This of This of This of This of This of This of This
This Quarter
Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter

4.1 Capital Fund to RWA -21.3% -31.9% 10.5% 10.7% 17.1% 10.3% 10.9% 11.3% 10.5% 10.6% 12.4% 12.5% 22.5% 10.9% 11.9% 14.2% 10.6% 15.9% 11.5% 11.7% 11.3% 11.4% 10.8% 20.3% 19.7% 14.2%
4.2 Non Performint Loan(NPL) To Total Loan 4.2% 13.0% 1.0% 0.5% 0.8% 2.9% 1.7% 16.2% 0.4% 1.2% 2.1% 1.1% 6.4% 1.9% 0.4% 0.1% 0.4% 9.1% 0.1% 0.0% 0.0% 0.1% 4.0% 1.3% 0.4% 0.2%
4.3 Total Loan Loss Provision to Total NPL 226.4% 114.0% 147.1% 316.0% 184.8% 106.6% 164.0% 118.6% 100.0% 159.4% 179.4% 153.4% 136.2% 168.0% 299.7% 831.4% 307.3% 156.7% 816.4% 4895.9% 0.0% 1612.7% 2815.9% 131.0% 415.4% 493.7%
4.4 Cost of Fund 2.1% 4.5% 5.2% 1.9% 3.9% 4.1% 4.5% 4.0% 4.5% 5.3% 6.4% 5.2% 6.6% 6.2% 6.6% 6.9% 4.8% 7.6% 6.8% 7.1% 6.9% 7.5% 7.8% 6.4% 7.0%