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Financial Result

Unaudited Financial Results (Quarterly)
As at Third Quarter (12/04/2008) of the Fiscal Year 2007/2008 (2064/65)

Figure in '000

S.N.	Particulars	This Quarter Ending (30.12.2064 / 12.04.2008)	Previous Quarter Ending (30.09.2064 / 14.01.2008)	Corresponding Previous Year Quarter Ending (30.12.2063 / 13.04.2007)
1	Total Capital and Liabilities (1.1 to 1.7)	3,511,696	3,300,754	1,969,588
1.1	Paid Up Capital	320,000	320,000	320,000
1.2	Reserve and Surplus	47,963	39,806	18,602
1.3	Debenture and Bond	-	-	-
1.4	Borrowings	467,123	479,623	245,720
1.5	Deposits (a+b)	2,601,841	2,409,511	1,335,372
	a. Domestic Currency	2,008,926	1,841,744	1,102,009
	b. Foreign Currency	592,915	567,767	233,363
1.6	Income Tax Liability	3,509	-	-
1.7	Other Liabilities	71,260	51,814	49,894
2	Total Assets (2.1 to 2.7)	3,511,696	3,300,754	1,969,588
2.1	Cash & Bank Balance	145,583	99,945	67,332
2.2	Money at Call and Short Notice	421,201	181,799	320,916
2.3	Investments	618,837	831,194	210,703
2.4	Loans and Advances	2,252,419	2,121,231	1,318,200
2.5	Fixed Assets	30,000	20,952	11,189
2.6	Non Banking Assets	-	-	-
2.7	Other Assets	43,656	45,633	41,248
3	Profit and Loss Account	Up to This Quarter	Up to This Quarter	Up to This Quarter
3.1	Interest Income	154,332	99,534	83,879
3.2	Interest Expense	96,698	62,347	45,691
	A. Net Interest Income (3.1-3.2)	57,634	37,187	38,188
3.3	Fees, Commission and Discount	11,001	7,824	3,637
3.4	Other Operating Income	-	-	-
3.5	Foreign Exchange Gain/Loss (Net)	1,386	651	(257)
	B. Total Operating Income (A. 3.3+3.4+3.5)	70,021	45,662	41,568
3.6	Staff Expenses	12,337	8,276	8,153
3.7	Other Operating Expenses	16,513	10,795	11,347
	C. Operating Profit Before Provision (B. -3.6-3.7)	41,171	26,591	22,068
3.8	Provision for Possible Losses	8,740	7,258	6,714
	D. Operating Profit (C.-3.8)	32,431	19,333	15,354
3.9	Non Operating Income/Expenses (Net)	-	-	-
3.10	Write Back of Provision For Possible Loss	-	-	-
	E. Profit from Regular Activities (D.+3.9+3.10)	32,431	19,333	15,354
3.11	Extraordinary Income/Expenses (Net)
	F. Profit before Bonus and Taxes (E. +3.11)	32,431	19,333	15,354
3.12	Provision for Staff Bonus	2,948	1,758	1,396
3.13	Provision For Tax	9,287	5,536	4,397
	G. Net Profit/(Loss) (F. -3.12-3.13)	20,196	12,039	9,561
4	Ratios	At the End of this Quarter	At the End of Previous Quarter	At the End of Corresponding Previous Quarter
4.1	Capital Fund to RWA	15.27%	14.64 %	23.60%
4.2	Non Performing Loan (NPL) to Total Loan	0.23%	0.21 %	0.34%
4.3	Total Loan Loss Provision to Total NPL	462%	498 %	317.78

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