Head Office: Nagpokhari, Naxal, Kathmandu

Phone No. 4428979 / 4428980, Email: [email protected] Url : www.sanimabank.com

Unaudited Financial Results (Quarterly)

As at Fourth Quarter (16/7/2010) of the Fiscal Year 2009/2010 (2066/67)
Figure in '000

Corresponding
This Quarter Previous Quarter
Previous Year
Ending Ending
S.N. Particulars Quarter Ending
(32.03.2067 / (31.12.2066 /
(31.03.2066 /
16.07.2010) 13.04.2010)
15.07.2009)

1 Total Capital and Liabilities (1.1 to 1.7) 7,238,000 6,693,962 5,845,136

1.1 Paid Up Capital 806,400 806,400 766,766
1.2 Reserve and Surplus 156,329 129,120 102,795
1.3 Debenture and Bond - - -
1.4 Borrowings 444,800 376,000 506,000
1.5 Deposits (a+b) 5,760,495 5,291,191 4,417,504
a. Domestic Currency 5,541,427 4,966,362 3,847,849
b. Foreign Currency 219,069 324,829 569,655
1.6 Income Tax Liability - 1,367 -
1.7 Other Liabilities 69,975 89,885 52,071
2 Total Assets (2.1 to 2.7) 7,238,000 6,693,962 5,845,136
2.1 Cash & Bank Balance 228,302 462,897 632,814
2.2 Money at Call and Short Notice 1,017,235 480,893 370,817
2.3 Investments 495,610 449,348 530,725
2.4 Loans and Advances 5,092,099 4,892,287 3,992,091
a. Real Estate Loan 890,935 952,686 1,137,399
b. Home/Housing Loan 853,228 865,592 590,494
c. Margin Type Loan 101,530 113,552 148,924
d. Term Loan 503,732 429,466 315,406
e. Overdraft Loan/TR Loan/WC Loan 1,657,339 1,440,605 886,982
f. Others 1,085,335 1,090,386 912,886
2.5 Fixed Assets 325,503 258,169 229,113
2.6 Non Banking Assets - -
2.7 Other Assets 79,251 150,369 89,576
Up to
Up to This Up to Previous Corresponding
3 Profit and Loss Account
Quarter Quarter previous year
Quarter
3.1 Interest Income 615,526 425,912 358,553
3.2 Interest Expense 399,298 270,266 235,896
A. Net Interest Income (3.1-3.2) 216,228 155,646 122,657
3.3 Fees, Commission and Discount 3,908 2,315 4,252
3.4 Other Operating Income 30,740 22,669 25,565
3.5 Foreign Exchange Gain/Loss (Net) 5,607 5,816 8,480
B. Total Operating Income (A+ 3.3+3.4+3.5) 256,483 186,446 160,954
3.6 Staff Expenses 41,791 28,711 24,288
3.7 Other Operating Expenses 66,964 51,804 38,020
C. Operating Profit Before Provision (B. -3.6-3.7) 147,728 105,931 98,646
3.8 Provision for Possible Losses 11,352 11,062 19,945
D. Operating Profit (C.-3.8) 136,376 94,869 78,701
3.9 Non Operating Income/Expenses (Net) 34 - -
3.10 Write Back of Provision For Possible Loss 2,497 - 10,651
E. Profit from Regular Activities (D.+3.9+3.10) 138,907 94,869 89,352
3.11 Extraordinary Income/Expenses (Net) -
F. Profit before Bonus and Taxes (E. +3.11) 138,907 94,869 89,352
3.12 Provision for Staff Bonus 12,628 8,624 8,123
3.13 Provision For Tax 41,193 25,873 23,469
G. Net Profit/(Loss) (F. -3.12-3.13) 85,086 60,372 57,760
At the End of
4 At the End of At the End of Corresponding
Ratios this Quarter Previous Quarter previous year
Quarter

4.1 Capital Fund to RWA 17.64% 18.89% 22.12%

4.2 Non Performing Loan (NPL) to Total Loan 0.08% 0.11% 0.18%
4.3 Total Loan Loss Provision to Total NPL 1233.12% 1068.79% 635%
4.4 Cost of Fund 9.38% 7.78% 5.94%
4.5 Credit to Deposit Ratio (Calculated as per NRB Directive) 79.14% 83.86% 86.31%
Unaudited financial figures are subject to change from supervisory authority and external auditor.
Previous period figures have been regrouped/rearranged where necessary.
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Head Office: Nagpokhari, Naxal, Kathmandu

Phone No. 4428979 / 4428980, Email: [email protected] Url : www.sanimabank.com