Head Office:

Newplaza, Putalisadak, Kathmandu

Phone No: 01-4443034, 4432139 Fax: 01-4423779
www.kailashbank.com, Toll Free No: 16600111777
Unaudited Financial Results (Quarterly)
As at First Quarter (End of Ashwin 2075) of the Fiscal Year 2075/2076
Rs. In '000
Previous Quarter Corresponding
This Quarter Ending
S.N. Particulars Ending Ashad 2075 Previous Year Quarter
Ashwin 2075
(Audited) Ending Ashwin 2074
1 Total Capital and Liabilities (1.1 to 1.7) 29,326,403 27,105,383 22,692,004
1.1 Paid Up Capital 2,520,636 2,520,636 2,291,487
1.2 Reserve and Surplus 1,206,532 662,440 1,084,491
1.3 Debenture and Bond - - -
1.4 Borrowings 650,000 - -
1.5 Deposits ( (a + b) 24,259,341 22,862,105 18,629,410
a. Domestic Currency 24,259,334 22,862,099 18,629,404
b. Foreign Currency 6 6 6
1.6 Income Tax Liability 49,264 8,414 34,260
1.7 Other Liabilites 640,630 1,051,788 652,356
2 Total Assets (2.1 to 2.7) 29,326,403 27,105,383 22,692,004
2.1 Cash and Bank Balance 1,545,172 1,643,629 1,445,808
2.2 Money at call and Short Notice 5,470,399 4,107,613 4,139,177
2.3 Investments 967,181 882,162 782,499
2.4 Loans and Advances (a+b+c+d+e) 20,928,863 20,126,955 15,989,566
a. Real Estate Loan 2,492,103 2,487,629 1,738,139
1.Residential Real Estate Loan (Except Personal
137,815 139,067 126,343
Home Loan upto 15 Million)
2.Business Complex and Residential Apartment Construction Loan - - -
3.Income generating Commercial Complex Loan 306,540 305,120 213,304
4.Other Real Estate Loan (Including Land purchase & Plotting) 2,047,748 2,043,442 1,398,492
b. Personal Home Loan of 15 Million or Less 2,593,202 2,450,753 2,335,914
c. Margin Type Loan 848,366 1,028,002 1,208,295
d.Term Loan 2,751,456 2,606,292 1,930,568
e. Overdraft Loan /TR Loan/WC Loan 5,257,431 4,713,468 3,094,041
f. Others 6,986,306 6,840,811 5,682,607
2.5 Fixed Assets 197,149 178,011 122,290
2.6 Non Banking Assets (Net) - - -
2.7 Other Assets 217,639 167,013 212,665
Upto Previous Quarter Upto Corresponding
Upto This Quarter
3 Profit and Loss Account Ending Ashad 2075 ( Previous Year Quarter
Ending Ashwin 2075
Audited) Ending Ashwin 2074
3.1 Interest Income 736,401 2,691,591 552,428
3.2 Interest Expense 469,366 1,728,930 397,899
A. Net Interest Income (3.1 - 3.2) 267,035 962,661 154,529
3.3 Fees, Commission and Discount 1,657 10,849 1,672
3.4 Other Operating Income 44,364 141,651 27,469
3.5 Foreign Exchange Gain/Loss (Net) 102 474 40
B. Total Operating Income (A+3.3+3.4+3.5) 313,158 1,115,635 183,711
3.6 Staff Expenses 73,671 201,011 50,229
3.7 Other Operating Expenses 48,281 151,765 29,493
C. Operating Profit before Provision (B-3.6-3.7) 191,207 762,859 103,988
3.8 Provision for Possible Losses 19,818 58,511 17,513
D. Operating Profit (C-3.8) 171,389 704,348 86,475
3.9 Non Operating Income/Expenses (Net) 9,776 99,427 51,109
3.10 Write Back of Provision for Possible Loss 1,091 63,611 15,245
E. Profit from Regular Activities(D+3.9+3.10) 182,256 867,386 152,829
3.11 Extra ordinary Income/Expenses (Net) - - -
F. Profit before Bonus & Taxes(E+3.11) 182,256 867,386 152,829
3.12 Provision for Staff Bonus 16,569 78,853 13,894
3.13 Provision for Tax 49,891 239,126 41,693
G. Net Profit/(Loss) (F-3.12-3.13) 115,796 549,407 97,242
Previous Quarter Corresponding
This Quarter Ending
4 Ratios Ending Ashad 2075 Previous Year Quarter
Ashwin 2075
(Audited) Ending Ashwin 2074
4.1 Capital Fund to RWA 16.07% 15.06% 18.33%
4.2 Non Performing Loan (NPL) To Total Loan 0.30% 0.32% 0.91%
4.3 Total Loan Loss Provision to Total NPL 378.40% 351.32% 168.62%
4.4 Cost of Funds 8.30% 8.95% 8.77%
4.5 Credit to Deposit Ratio (Calculated as per NRB Directives) 75.14% 76.08% 72.72%
4.6 Base Rate 11.65% 12.08% 11.95%
4.7 Net Interest Spread (Ashwin) 4.90% 4.82% 4.72%
5 Additional Information
5.1 Net worth Per Share (Rs.) 147.87 126.28 147.33
5.2 Total Assets Per Share(Rs.) 1163.45 1075.34 990.27
5.3 Earning Per Share (Annualized) 18.03 21.95 16.97
5.4 Price Earning Ratio (Annualized) 12.92 10.43 17.08
5.5 Return on Equity (Annualized) 12.58% 18.08% 11.86%
5.6 Net Liquid Assets/Deposits 28.63% 27.48% 32.66%
Note: 1. If the statutory and supervising authority notify to change the Un- Audited Financial statements, the figure may change accordingly.
2. IfPrevious
2, Periodand
the statutory figures have been
supervising regrouped/rearranged
authority notify to change wherever necessary.
the Un-Audited Financial Statements, the figure may change accordingly.
3 Loan & Advances and Investments are presented on gross basis. Loss Provision as on published date are included in other liablities.