NOTICE OVERVIEW
- Organization: Kasthamandap Development Bank Ltd.
- Organization Type: Banking & Financial
- Notice Type: Financial, Public
- Source: Kantipur
- Deadline: May 25, 2017
- Tagged with: Financial activities, issue of financial statement, Kasthamandap Development Bank, Unaudited Financial Result
Kasthamandap Development Bank Ltd.
Tamrakar Complex, Pako, New Road, Kathmandu, Nepal
Tel: 4258400, Fax: 4233804,
E-mail: kdbl@kdbl.com.np,
Web: www.kdbl.com.np
UNAUDITED FINANCIAL RESULT (QUARTERLY
As at Third Quarter Ending on 31st Chaitra, 2073 (13th April, 2017) of Financial Year 2073/074
FIGURE IN ‘000
| SN | Particulars | This Quarter ErxSng 31th Chaitra, 2073 (13-Apr-2017) | Previous Quarter Ending 29th Poush. 2073 (13-Jatv2017) | Corresponding Previous Year Quarter Ending 30th Chaitra. 2072 (12-Apr-2016) |
| 1. | Total Capital & Liabilities (1.1 to 1.7) | 8,983,444 | 9,506,254 | 7,455,306 |
| 1.1 | Paid-up Capital | 835,918 | 679,897 | 679.897 |
| 1.2 | Reserve & Surplus | 430,081 | 379,565 | 180,240 |
| 1.3 | Debenture & Bond | – | • | • |
| 1.4 | Borrowings | 12,360 | 513,192 | 12,762 |
| 1.5 | Deposits (a+b) | 7,609,479 | 7,831,954 | 6,405,803 |
| a. Domestic Currency | 7,607,992 | 7,830,673 | 6,404,640 | |
| 1.6 | b. Foreign Currency Income Tax Liability | 1,487
5,236 |
1,280
21,285 |
1,163 |
| 1.7 | Other Liabilities | 90,369 | 80,363 | 176.604 |
| 2. | Total Assets (2.1 to 2.7) | 8.983,444 | 9,506.254 | 7.455.306 |
| 2.1 | Cash and Bank Balance | 2,235,038 | 2,780,510 | 1,804,028 |
| 2.2 | Money at Call & Short Notice | – | – | – |
| 2.3 | Investments | 203,739 | 201,692 | 169,554 |
| 2.4 | Loan & Advances (a+b+c+d+e+f) | 6,380,477 | 6,339,128 | 5,264,992 |
| a. Real Estate Loan | 484,440 | 452,050 | 425,879 | |
| 1. Residential Real Estate Loan | ||||
| (Except Personal Home Loan upto Rs. 10 million) | 110,664 | 68,828 | 88,958 | |
| 2. Business Complex & Residential | ||||
| Apartment Construction Loan | – | – | 49,500 | |
| 3. Income generating Commercial Complex Loan | – | – | – | |
| 4. Other Real Estate Loan (Including Land purchase 4 Pioltmg) | 373,776 | 383,222 | 287,421 | |
| b. Personal Home Loan of Rs. 10 Million or Less | 1,077,202 | 1,101,059 | 876,169 | |
| c. Margin Type Loan | 327,313 | 330,146 | 303,432 | |
| d. Term Loan | 1,837,675 | 1,799,396 | 1,429,477 | |
| e. Overdraft Loan/TR Loan/WC Loan | 2,158,785 | 2,226,784 | 1,844.508 | |
| f. Others | 495,062 | 429,692 | 385,527 | |
| 2.5 | Fixed Assets | 54,460 | 99,695 | 54,690 |
| 2.6 | Non Banking Assets | – | – | • |
| 2.7 | Other Assets | 109,730 | 85,230 | 162,043 |
| 3. | Profit & Loss Account | Up toThis Quarter Ending | Up to Previous Quarter Ending | Up to Corresponding Previous Year Quarter Ending |
| 3.1 | Interest Income | 577,644 | 353,840 | 397,783 |
| 3.2 | Interest Expense | 303,965 | 174,445 | 214,884 |
| A. Net Interest Income (3.1-3.2) | 273,679 | 179,395 | 182,899 | |
| 3.3 | Fees. Commission and Discount | 7,429 | 5,447 | 4,583 |
| 3.4 | Other Operating Income | 39,795 | 20,981 | 36,737 |
| 3.5 | Foreign Exchange Gain/Loss (Net) | 1,004 | 1,093 | 3.395 |
| B. Total Operating Income (A+3.3+3.4+3.5) | 321,908 | 206,916 | 227,614 | |
| 3.6 | Staff Expenses | 49,920 | 35,003 | 52,004 |
| 3.7 | Other Operating Expenses | 70,477 | 46,736 | 59.590 |
| C. Operating Profit Before Provisions (B-3.6-3.7] | 201,511 | 125,178 | 116,021 | |
| 3.8 | Provision for Possible Losses | – | – | |
| D. Operating Profit (C-3.8) | 201,511 | 125,178 | 116,021 | |
| 3.9
3.10 |
Non Operating Income/Expenses (Net) Write Back of Provision for Possible Loss | 6,316
31,415 |
6,316
28,365 |
23,715
165,238 |
| E. Profit From Regular Activities (D+3.9+3.10) | 239,243 | 159,860 | 304,974 | |
| 3.11 | Extraordinery Income/ Expenses (Net) | – | – | (1.414) |
| F. Profit Before Bonus & Taxes (E+3.11) | 239,243 | 159,860 | 303,561 | |
| 3.12 | Provision for Staff Bonus | 21,749 | 14,533 | 27,596 |
| 3.13 | Provision for Tax | 65,248 | 43,598 | 82,789 |
| G. Net Profit/(Loss) (F-3.12-3.13) | 152,246 | 101,729 | 193,175 | |
| 4. | Ratios | At the End of This Quarter | At the End of Previous Quarter | At the End of Corresponding Previous Year Quarter |
| 4.1 | Capital Fund to RWA | 16.53% | 14.29% | 13.04% |
| 4.2 | Non Performing Loan (NPL) to Total Loan | 0.57% | 0.90% | 2.60% |
| 4.3 | Total Loan Loss Provision to Total NPL | 256.18% | 167.70% | 129.24% |
| 4.4 | Cost of Funds | 7.39% | 5.32% | 4.95% |
| 4.5 | Credit to Deposit Ratio (Calculated as per NRB Directives) | 73.10% | 72.53% | 75.70% |
| 4.6 | Base Rate | 10.54% | 8.41% | 8.44% |
Note: 1. Figures of previous period are regrouped and rearranged wherever necessary.
- Unaudited Financial Figures are subject to change upon instructions, if any, from Supervisory / Regulatory authorities.
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