Directive Bank

NRB
a A8per Group
Prevlous Year
Prevlous Year Current Year
Current Year Corresponding
Corresponding Upto Thís
Upto Thís Up to This Quarter (YTD)
Up to This Quarter (YTD)
Quarter (YTD) Quarter (YTD) 13.57
13.75
13.57 0.12
13.75 0.35
(%) -0,12 1.422.07
otal Fund to RWA TotalLoan (%)
-0.35
1,422.07
465.33 4.75
-Paorring Loan(NIL) to 465.33 7.63
Provision to Total NPL (%) 7.63
4.75
86.36
88.03
ssi Loan Loss 88.03 6.34
Nof Funds(%) 86.36 9.71
6.34 3.73
(%) 3.86
t To Deposit Ratio 9.71
3,73
Rate (%) 3.86

ienest Rate Spread (%)

 Sanima Bank Ltd.
Condensed Consolidated Statement of Cash Flows
For the Ouarlcr cndcd 32nd Ashad 2079 Amount In NPR
Group Bank
Corresponding
Upto This Quarter Previous Year Upto This Quarter Corresponding
Previous Year
Upto This Quarter Upto This Quarter
CASH FLOWS FROM OPERATING ACTIVITES
Interest received 14,415,545,306 10,585,145,392 14,421,818,832 10,577,098,068
Lees and other income roceived 1,032,438,852 944,790,879 1,000,570,361 876,691,561
Dividcnd roccived 923,381
Receipts from other operating activities 360,538,641 479,583,371 360.538.641
Intercst paid (10,166,473,767)
468,944,503
(6,201,983,913) (10,181,256,314) (6,207,150,881 )
Comnmission and fces paid (152,627,004) (62,500,412) (152,088,968)
Cash pavment to emplovees (1,565,4 16,725) (1,267,673,014) (1361,|Ji,000) (60,957,557)1)
(1250,942,93
Other expense paid (582,337,827) (641,493,574) (585,481,516) (637,458,232)
Operating cash flows before changes inoperating
Ssets aid liabitities 3,341,667,476 3,836,792,109 3,302,990,036 3,766,224531
Increase)/Decrease in operating assets
Due from Nepal Rastra Bank (7,462,408,343) (728,048, 140) (7,462,408,343) (728 04% 140)
Placement with bank and financial institutions 1,396,545,652 1,084,378,274 1,369,545,652 1,086,378,274
Other trading assets (240,865,501) 194,226,216 (238,356,3 18) 194.958,972
Loan and advances to bank and financial institutions (1,073,842,042) (1,249,811,988) (1,073,842,042) (1,249,81 1,988)
Loans and advances to customers (18,354,317,570) (28,469,701,392) (18,354,496,764)
Other assets 774,710,118
(28,469331,861)
133,457,502 777,23 1,951 133,609.347
Incrcasc/(Dccrcase) in opcrating liabilitics
Due to bank and financial institutions (2,306,452,136) 1,644,899,437 (2,306,452, 136)
Due to Nepal RastraBank 445,346,936 3,565,011,352
1,644,899,437
445.346936 3.565.01l352
Deposit from customers 29,227,820,269 21,164,437,236 29,092,668,058 21,175,664,494
Borrowings (508,250,000) 1,787,250,000 (508,250,000) 1,787250,000
Dther liabilities 592,873,913 813,465,344 620,494,255 803,713,853
Net cash flow from operating activities before tax paid 5,832,828,772 3,776,355,949 5,664,471,285 3,710,518,270
ncome taxes paid
(958.012.770) (953,365,676) (953.381,187) (924,756,458)
Net cash flow from operating activities 4,874,816,003 2,822,990,273 4,711,090,098 2,785,761,811
CASH FLOWS FROM INVESTING ACTIVITIES
Purchase of investment securities
(6,760,336,552) (5,928,087,871) (6,760,336,552) (3,904,087,871 )
Receipts from sale of investment securities
Purch "operty and equipment (498,411,601) (201,831,475) (491,168,020) (194,378,423)
sale of property and equipment 12,225.047 12,225,047
gible assets (7,919,696) 12,462,8 10 (7,919,696) 12,462,8 1l0
sale of intangible assets
stment properties
esale of investment
ed
properties (72,932,294) (72,932,294)
Cived 34,866.399
138,150,274 37,241,275 138,150,274
investing activities (7,201,449,868) (6,067,990,214) (7,194,206,288) (6,038,912,041)

ROM FINANCING ACTIVITIES

f debt securities 3,041,604,000
2,048,100,000 3,041,604,000 2,048,100,000
ecurities
f subordinated liabilities
rdinated liabilities
of shares
(86,624,1 18) (316,849,715)
(146,044,803) (338,099,715)
ayment 109,236,580
(24,226,079) 108,980,366 (24,225,079)
financing activities 1,877,829, 18 2,812,484,650 1,937,250,803
2,833,990,864

(decrease) in cash and cash equivalents (545,865,387)

(419,159,365)
cash equivalents at Sawan ) (448,804,747) (432,515,291) 5,190,299,845
4,771,140,480
exchange rate fluctuations on cash and cash 4,823,295,539 5,255,810,829
ents held
nd cash equivalents at period end 4,225,275,093
4,771,140,480
4,374,490,791 4,823,29s,539