Unaudited Financial Results of Commercial Banks (Quarterly)

As at Second Quarter (15/01/2009) of the Fiscal Year 2065/2066.

Rs.In "000"

S. N. NBL1 RBB2 NABIL3 NIBL4 SCBNL5 HBL6 NSBI7 NBBL8 EBL9 BOK10 NC & CBL11 NI & CBL12 LUMBINI13 MBL14 KUMARI15 LAXMI16 SBL17 ADB/N18 GLOBAL19 CITIZENS20 PRIME21 SUNRISE22 BOA23 DCBL24 NMB25 Total
Particulars
1. Total Capital and Liabilities (1.1 to 1.7) 46405478.0 74295364.0 41036049.0 47566232.0 41005602.0 38761684.0 24385054.0 13492477.0 31694689.0 19553635.0 10747360.0 17265787.0 7539968.0 14123185.0 16351665.0 14147648.0 15259251.0 44804721.0 9080781.0 9286522.0 9937737.3 9989400.6 6688084.0 6869683.0 6202987.0 576491043.9
1.1 Paid Up Capital 380383.0 1172300.0 965747.0 1606066.0 931966.0 1216215.0 874528.0 744126.0 838820.0 844398.0 1399558.0 1140480.0 1013416.0 1314642.0 1078272.0 1098086.0 952200.0 10777500.0 1000000.0 700000.0 836455.0 875000.0 700000.0 1107456.0 1000000.0 34567614.0
1.2 Reserve and Surplus (5937850.0) (15661887.0) 1900662.0 1313675.0 2046073.0 1675600.0 695391.0 (2350121.0) 1235500.0 726854.0 (515772.0) 389122.0 (436671.0) 285964.0 434240.0 154597.0 225932.0 (4668449.0) 22622.0 39421.0 28007.1 (27208.6) 23175.0 194405.0 256234.0 (17950484.4)
1.3 Debenture and Bond 300000.0 1050000.0 860000.0 200000.0 300000.0 200000.0 200000.0 400000.0 350000.0 227770.0 4087770.0
1.4 Borrowings 1938466.0 2669248.0 2732687.0 1810015.0 124600.0 1295108.0 313600.0 289058.0 752400.0 99773.0 262640.0 450000.0 1289026.0 211054.0 200071.0 838378.0 575160.9 178050.0 696335.0 250000.0 216198.0 17191867.9
1.5 Deposits (a.+b.) 43111119.0 62264993.0 33848524.0 38914364.0 35180188.0 32456552.0 20611622.0 10382813.0 27695480.0 16800116.0 8027286.0 14416481.0 5809459.0 12086705.0 13808180.0 11781238.0 12114999.0 33046922.0 7576533.0 7531058.0 8374561.6 8646845.3 5057117.0 5190398.0 3723712.0 478457265.9
a. Domestic Currency 42909701.0 60723622.0 27193747.0 33954269.0 21478175.0 28039025.0 14863521.0 10137843.0 27350786.0 15528459.0 7904395.0 13689194.0 5698384.0 11428765.0 13580793.0 10741705.0 12007285.0 33046922.0 7177437.0 6995328.0 7980344.2 7474739.1 4400441.0 5174062.0 3259430.0 432738372.3
b. Foreign Currency 201418.0 1541371.0 6654777.0 4960095.0 13702013.0 4417527.0 5748101.0 244970.0 344694.0 1271657.0 122891.0 727287.0 111075.0 657940.0 227387.0 1039533.0 107714.0 399096.0 535730.0 394217.4 1172106.2 656676.0 16336.0 464282.0 45718893.6
1.6 Income Tax Liability 125499.0 52769.0 162354.0 55714.0 86983.0 21496.0 2939.0 24205.0 9432.0 510.0 47051.0 365242.0 25654.2 20014.9 2557.0 1002420.1
1.7 Other Liabilities 6913360.0 23850710.0 1288429.0 4556628.0 984591.0 2266363.0 652691.0 4628676.0 1289793.0 693209.0 1833349.0 343099.0 1144332.0 336101.0 367823.0 313727.0 402273.0 5072452.0 281555.0 177665.0 97898.5 296698.9 208900.0 127424.0 1006843.0 59134590.5
2. Total Assets (2.1 to 2.7) 46405478.0 74295364.0 41036049.0 47566232.0 41005602.0 38761684.0 24385054.0 13492477.0 31694689.0 19553635.0 10747360.0 17265787.0 7539968.0 14123185.0 16351665.0 14147648.0 15259251.0 44804721.0 9080781.0 9286522.0 9937737.3 9989400.6 6688084.0 6869683.0 6202987.0 576491043.9
2.1 Cash and Bank Balance 5630387.0 16615320.0 2751943.0 8096855.0 1805416.0 2191759.0 2586736.0 1617413.0 1538218.0 1786496.0 1272691.0 1187231.0 755575.0 1563817.0 768160.0 1155692.0 1167220.0 3884764.0 869719.0 758997.0 1026025.6 903870.5 359862.0 462958.0 649688.0 61406813.1
2.2 Money at Call and Short Notice 90000.0 636837.0 4389723.0 234599.0 100000.0 460000.0 850000.0 233567.0 115320.0 151476.0 250000.0 35000.0 981102.0 227000.0 45710.0 150000.0 300000.0 782630.0 126188.0 10159152.0
2.3 Investments 16354682.0 15870886.0 10954498.0 6467967.0 19328581.0 12341032.0 7944943.0 2090427.0 6915234.0 3118395.0 1898413.0 3110444.0 773622.0 1260993.0 2101490.0 1602403.0 1636312.0 3476455.0 1625325.0 1812269.0 780559.7 1483773.7 1066328.0 212757.0 1501030.0 125728819.4
2.4 Loans and Advances 17090541.0 28204955.0 25440330.0 31537366.0 13752015.0 21354921.0 13396821.0 6804422.0 20947241.0 13651153.0 6312583.0 12395094.0 5569122.0 10011497.0 12834429.0 11021582.0 12132521.0 30041946.0 5931338.0 6433641.0 7791483.3 6927268.5 5119449.0 5135851.0 2939557.0 332777126.8
2.5 Fixed Assets 225534.0 775291.0 584760.0 960905.0 152235.0 1154163.0 190819.0 149518.0 444032.0 410970.0 268663.0 201611.0 49805.0 570065.0 253577.0 214989.0 92867.0 798375.0 195144.0 133380.0 63878.0 100402.7 106179.0 178460.0 174928.0 8450550.7
2.6 Non Banking Assets 660936.0 299262.0 750.0 22945.0 10748.0 1922.0 5595.0 91828.0 370.0 129226.0 1223582.0
2.7 Other Assets 6443398.0 12439650.0 667681.0 502389.0 1577632.0 1462265.0 154987.0 2368775.0 999964.0 347459.0 787862.0 219561.0 262618.0 466813.0 359009.0 152982.0 230331.0 5622079.0 232255.0 102525.0 125790.7 274085.1 36266.0 97027.0 811596.0 36744999.8
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

3.1 Interest Income 1239258.0 1479139.0 1249477.0 722983.0 910146.0 1109437.0 582165.0 437203.0 977912.0 620773.0 354218.0 606679.0 275838.0 438409.0 623976.0 480662.0 551550.0 2080964.0 305782.0 316638.0 335228.3 339045.8 213798.0 238309.0 157484.0 16647074.1
3.2 Interest Expense 388940.0 509548.0 530803.0 362274.0 273041.0 442598.0 308757.0 206629.0 452793.0 252348.0 159900.0 342758.0 129587.0 257616.0 367317.0 305725.0 330842.0 1402707.0 206077.0 209394.0 227974.5 228529.7 137703.0 126798.0 88777.0 8249436.2
A. Net Interest Income (3.1 - 3.2) 850318.0 969591.0 718674.0 360709.0 637105.0 666839.0 273408.0 230574.0 525119.0 368425.0 194318.0 263921.0 146251.0 180793.0 256659.0 174937.0 220708.0 678257.0 99705.0 107244.0 107253.8 110516.1 76095.0 111511.0 68707.0 8397637.9
3.3 Fees, Commission and Discount 98348.0 97099.0 89310.0 67624.0 139209.0 120694.0 31687.0 57776.0 87135.0 71017.0 28611.0 25501.0 11414.0 16562.0 44118.0 21305.0 34797.0 49872.0 27799.0 24089.0 8997.1 26415.6 27768.0 18662.0 17732.0 1243541.7
3.4 Other Operating Income 55582.0 56436.0 61511.0 16355.0 17477.0 27065.0 15373.0 84936.0 52600.0 18778.0 48993.0 20424.0 90421.0 20787.0 33126.0 2741.0 166814.0 7939.0 1625.0 31525.4 1156.6 17920.0 849585.0
3.5 Foreign Exchange Gain/Loss (Net) 52685.0 60061.0 123301.0 59157.0 208245.0 132155.0 30633.0 38904.0 35150.0 70835.0 12372.0 63276.0 14367.0 42437.0 25490.0 22175.0 22454.0 99.0 12535.0 3776.0 5958.8 17905.7 3992.0 8471.0 2609.0 1069043.5
B. Total Operating Income (A.+ 3.3+ 3.4 + 3.5) 1056933.0 1183187.0 992796.0 503845.0 1002036.0 946753.0 351101.0 412190.0 700004.0 529055.0 284294.0 373122.0 262453.0 260579.0 326267.0 251543.0 280700.0 895042.0 147978.0 136734.0 153735.1 155994.0 107855.0 138644.0 106968.0 11559808.1
3.6 Staff Expenses 393784.0 406236.0 119632.0 44045.0 122463.0 168109.0 46377.0 70378.0 75007.0 69781.0 44483.0 38658.0 27280.0 40005.0 49416.0 41172.0 32630.0 535941.0 29649.0 21204.0 16372.5 30384.1 21954.0 22525.0 18596.0 2486081.6
3.7 Other Operating Expenses 153330.0 128324.0 125603.0 90132.0 129550.0 178864.0 83619.0 62279.0 121366.0 96831.0 42133.0 47789.0 28048.0 73388.0 72075.0 45325.0 46204.0 106532.0 45996.0 41871.0 23334.6 43653.1 32853.0 18636.0 23607.0 1861342.7
C. Operating Profit Before Provision (B. -3.6-3.7) 509819.0 648627.0 747561.0 369668.0 750023.0 599780.0 221105.0 279533.0 503631.0 362443.0 197678.0 286675.0 207125.0 147186.0 204776.0 165046.0 201866.0 252569.0 72333.0 73659.0 114028.0 81956.8 53048.0 97483.0 64765.0 7212383.8
3.8 Provision for Possible Losses 81501.0 114005.0 115633.0 50895.0 26106.0 17232.0 16330.0 82116.0 48612.0 9124.0 37317.0 17613.0 109541.0 20692.0 13794.0 29345.0 1037064.0 7063.0 17864.0 27245.6 41587.9 23642.0 18583.0 16325.0 1979230.5
D. Operating Profit (C. -3.8) 428318.0 534622.0 631928.0 318773.0 723917.0 582548.0 204775.0 197417.0 455019.0 353319.0 160361.0 269062.0 207125.0 37645.0 184084.0 151252.0 172521.0 (784495.0) 65270.0 55795.0 86782.4 40368.9 29406.0 78900.0 48440.0 5233153.3
3.9 Non Operating Income / Expenses (Net) 8235.0 5377.0 2593.0 714.0 91.0 2174.0 781.0 10409.0 320.0 1652.0 1592.0 (1025.0) 1281.0 (4195.0) 45872.0 127.0 856.0 76854.0
3.10 Write Back of Provision for Possible Loss 41645.0 541680.0 45257.0 41859.0 9388.0 138274.0 535153.0 4878.0 159184.0 3913.0 158020.0 24834.0 1311.0 861281.0 33018.9 17886.0 2617581.9
E. Profit from Regular Activities (D+3.9+3.10) 478198.0 1081679.0 634521.0 364744.0 765867.0 594110.0 343830.0 742979.0 459897.0 353639.0 321197.0 274567.0 364120.0 37645.0 210199.0 148368.0 172521.0 122658.0 65270.0 55922.0 86782.4 73387.8 29406.0 78900.0 67182.0 7927589.2
3.11 Extraordinary Income/Expenses (Net) 230255.0 118853.0 38998.0 (4194.0) 1186.0 (111742.0) (4878.0) 6500.0 (45127.0) 4851.0 (17615.0) (132.0) 651082.0 868037.0
F. Profit before Bonus and Taxes (E. + 3.11) 708453.0 1200532.0 673519.0 364744.0 761673.0 595296.0 232088.0 742979.0 455019.0 360139.0 276070.0 279418.0 346505.0 37645.0 210067.0 148368.0 172521.0 773740.0 65270.0 55922.0 86782.4 73387.8 29406.0 78900.0 67182.0 8795626.2
3.12 Provision for Staff Bonus 64405.0 88928.0 61229.0 33159.0 69243.0 54118.0 21099.0 67544.0 41365.0 32740.0 25097.0 25401.0 31500.0 3422.0 19097.0 13488.0 15684.0 5084.0 7889.3 6671.6 2673.0 7173.0 6107.0 703116.9
3.13 Provision for Tax 193214.0 182964.0 99476.0 207729.0 162354.0 55714.0 86983.0 124096.0 98219.0 52270.0 76238.0 49660.0 10267.0 57291.0 40464.0 47051.0 15251.0 23667.9 20014.9 8020.0 21518.0 18322.0 1650783.8
G. Net Profit/Loss (F. - 3.12-3.13) 450834.0 1111604.0 429326.0 232109.0 484701.0 378824.0 155275.0 588452.0 289558.0 229180.0 198703.0 177779.0 265345.0 23956.0 133679.0 94416.0 109786.0 773740.0 65270.0 35587.0 55225.2 46701.3 18713.0 50209.0 42753.0 6441725.5

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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
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

4.1 Capital Fund to RWA -24.9% -23.0% 11.2% 10.4% 13.8% 12.5% 12.7% -11.2% 10.7% 11.4% 12.1% 13.1% 11.1% 13.6% 13.2% 13.1% 11.0% 10.5% 13.3% 11.5% 10.8% 10.7% 13.0% 18.3% 27.7%
4.2 Non Performint Loan(NPL) To Total Loan 11.0% 19.0% 0.8% 1.0% 0.8% 1.8% 2.7% 29.3% 0.5% 1.8% 10.3% 0.9% 12.3% 4.8% 1.1% 0.1% 0.6% 11.7% 0.1% 0.0% 1.8% 1.5%
4.3 Total Loan Loss Provision to Total NPL 139.0% 117.1% 222.9% 174.6% 198.6% 174.8% 142.4% 128.4% 100.0% 121.5% 115.5% 184.2% 105.7% 85.4% 135.7% 1161.7% 234.6% 151.6% 891.6% 6415.4% 112.3% 153.1%