As at Third Quarter (13/04/2017) of the Fiscal Year 2073/74

@ sidanarthasank Watusar, Katnmangu Unaudited Financial Results (Quarter) As at 3rd Quarter (13/04/2027) ofthe Fiscal Year 2073174 [Total Capital and Liabilities (1.1 to 1.8) 37,640,869 87,493,831 | 86,881,198 | 86,802,704 60,505,894 | 60,372,729 Paid Up Capital 5,250,859) 5,250,859 [ 5.235.008 5,235,008 | 2.497.416 | 2.437.416 Reserve and Surplus 2,935,986 2,923,067 | __2.515,712[ 2,471,861 | 2,112,387 | 2,094,366 [Debenture and Bond 1,203.520 7,203,520] 1,203,520 [ 1,203,520 [1,203.520 | 1,203,520 Borrowings: 504,014 504,014 600,000 600,000 | 250.000 | 250000 [Deposits (a+b) 74,707,260 | __ 75,275,857 | _ 74,290,771 | 74,935,731 | $3,336,779 | 53,354,327 fa, Domestic Currendy 74,203,360 [74,771,957 | 73,287,912 | 73,993,872 | 52,513,088 | 52,530,636 [b. Foreign Curren 503,900 503,900] Lortaso[ 1o11.ese[a23.6o1| 623.691 TE income Tax Liability रि a 1 17 [other Labilties 7301285 तक्मा 2955649 | _2as65ee| जन्य जन्मन 1.8 [Non-Controling terest 137,943 71s39[ | 56,821 [2 [Total Assets (2.1 to 2. 37,640,869 | 67,403,831 | 66,881,198 | 66,802,704 | 60,505,804 | 60,372,720 2.1 [Cash and Bank Balance 9,123,381 9,086,722 | 8,030,220 [8,027,808] 5.136.205 | 5.078.506 22 [Money at Call and Short Notce 295,000) 995,000 | 3,682,325 [3,682,395 [750.710 | 750.710 23 [Investments 3,590,366 579,382 | 10,299,322 [10,208,303 | 6.435.020 [6.433.678 [2.4 [Loans and Advances (arbrordvext™ 66,260,371 | 66,260,371 | 62,650,288 | 62,659,288 | 44,664,858 | 44,664,858 fa. Real Estate Loan 6.770.198 6,770,198 | 6.233.321 [ 6,293,321 | 4.533.188 [ 4.533.188 ३. Residental Real Estate Loan (Except Personal Home Loan upto Rs.1 Crore) 430,789 430,789 300,037 390.037 17979] 174.979 2, Business Complex & Residental Apartment |Construction Loan 1.233.116 1,233.116 | 1.234.606| 1,234,606] 120214] 1.129.214. 3. Income generating Commercial Complex Loan’ 469,387 469,387 446,938 440938 4541 441.504 4. Other Real Estate Loan (Including Land purchase & plotting 4,636,907 4636907] 4161740 1 4161,740| _2,787.401| 2.787,401. [b. Personal Home Loan of RSa crore or Less 4,113,946) 4,113,046 | 3,998,235 [3,998,235 | 2.864.486 | 2.864.486 ८ Margin Type Loan 1,400,291 1,400,201 [1,157,680 | 1,157,690 [801,931 | 801,931 [a Term Loan’ 72,630,295 | 12,630,205 | 12,610,721 [2,610,721 | 6,092,312 | 9,092,312 le. Overdraft Loan’ TR Loan! WC Loan 28,881,042 | 26,881,042 [27,011,158 | 27,011,158 | 20,943.059 | 20,943,059 {Others 72,464,500 [12,464,599 | 11,448,163 [11,448,163 | 6.429.882 | 6,429,882 25 [Fed Assets 686,898 655,097 639,021 éai27a] 450.123 433.937 2.6 [Non- Banking Assets 154,638 154,638 154,638 154,638 31,287 31,287 27 [Other Assets 7830.216 7762622 | 1415.484[ पन 1.037.691] __979,753 3.1 [Interest income: 4.512.491 4496001] 2.776.450 [2,781,060] 2,790,263] 2,791,871 32 [Interest Expenses 2,600,591 2,616,583| 1.463.198 [1,474,475 | 1.450.309 [1.452.007 IA. Net Interest income (81-32) 7,911,900 1,869,418 1,313,320[ 1,306,585 | 1,339,864 | 1,330,864 3a 1000. Commission and Discount 129.114 129.114 82,640 2,640 [130.168 | 130.163 3.4 [Other Operating income: 529,708 277,953 242,406 493791 | 248.424 [206,251 35 [Foreign Exchange Gain/Loss (NeD 113.312 iissi2| छ [63.465 [131,535 [131,535 IB. Total Operating Income (A+3.3+3.4+3.5) 2,684,034 7,389,706 | 1,701,831 | 1,646,481 | 1,849,986 | 1,807,813 36 [Staff Expenses 420,872 406,217 231,214 221,881 [286,113 275,184 3,7 [Other Operating Expenses 450,397 423,680 289,424 275,307 | 346.992 | 334.500] [C. Operating Profit Before Provision (B-3.6-3.7) 7,812,765 7,559,900 118i,103[ 1,149,203 [4,216,881 | 1,198,129 3. [Provision for Possible Losses 375,073 375,073 277,739 277,739 | 242.966 | 242.966 ID. Operating Profit (C-3.8) 7,437,692 7,184,826 | __903,454 | 871,554 973,915 | __ 955,163 3.9 [Non- Operating income/Expenses (Ned) 789,302 175,942 176,641 पता | 134.269 [129.613 3.10 |Wite Back of Provision for Possible Loss 142.246 142,246 127,420 127,420 | 149.898 | 149.898 IE. Profit from Regular Activities (D+3.9+3.10) 7,769,240 7503015] पकर 1,140,052 | 1,258,082 | 1,284,674 Zi [Enraordinary income/Expenses (Net) 364 Fs छा छा 1 IF. Profit Before Bonus and Taxes (E+3.11) 1,770,103 1503878 1,208,378[ 1aa0o15| 1,258,082 1,284,674 3.2 [Provision for Staff Bonus 160,918 136,716 109,853 103,720 | 11a.s7a [112.243 3.13 [Provision for Taxes 470.654 410.149 326,491 311,159 | 342,049 [336,729 [G. Net ProfitiLoss (F-3.12-3.13) 7,136,531 957,014 772,034 726,037 | __ 801,662 |__785,701 बाई Share of Non-Controling interest in the Prof/Loss ofS ol | 7) 1 फु | IH. Net Profit (Loss) 7,049,587 957,018 749,496 726037 | 793,841 | ___785,701 4.1 [Capital Fund to RWA 11.65% 11.60%] 11.63%] 1159 10.5234 10.4494 42 [Non- Performing Loan (NPL) 1o Total Loan T7196 7196 T5096 1.50% 116% 1.1634 | 4.3 [Total Loan Loss Provision to Total NPL 120.10%6| 120.10%| 135.6694 35.66%] 169.52%6| 169.5294 [4.4 [Cost of Fund 4.80%] 4.8096 4.1696 4.1696 3.9296 3.9234 [45 [Credit o Deposit Ratio (Caloulated as per NRB Directwve) 75.0994 75.09% 77.92%] 77.92%] जक 78.18% | 4.6 [Base Rate 7.67% 7.67% 6.7996 6.7996 6.78% 6.78% “4.7 [Net Interest Spread (Calculated as per NRB Directives) 3.7986 3.7996 4.0496 4.0496 4.26%] 4.26%] [Additional Information [a [Average Vieid B02 Oz TE TE 7.68% 7.68% [0 [Average Cost of DepositLCY 481%] 4.8196 4.15% 4.15% 3.9194 3.9194 ¢_[Retumn on Equit 15.80% 15.80% 1.84%] हाजिर 23.1284 23.1294 [a [Return on Assets 1.4636 1.46% 167% 167% 17436 17236 * Loan & Advances figures are net of Loan Loss Provisioning, Unaudited financial figure may vay if directed by external auditors and supervisory authority figures has been regrouped wherever necessary, Group represents Siddhartha Bank Lid. (Siddhartha) and ts subsidiary Seddhartha Capital Ld. (Siddhartha Capital All inter company tansactions among the group have been eliminated inthe above statement related tothe group, Corresponding Previous Year Quarter Ending figures have been taken from the unauelted Financial Statement of Siddhartha Bank only, All above financials have been prepared as per NRB Directives no. 4 which s not flly compliant with NERS, [Non- Banking Assets are presented gross of provision. Provsioning of NBA. is presented under-OtherLiabiies.