Last Five Year's Financial Highlights 

Particulars Financial Year
  2073/74 2074/75 2075/76 2076/77 2077/78
Assets          
Cash and Cash Equivalents 2,591,333,096 2,580,417,708 3,468,110,840 7,114,774,257 8,021,622,541
Statutory Balances & Due from Nepal Rastra Bank 209,125,820 244,125,820 503,510,020 550,715,020 594,517,670
Placement with Bank and Financial Institutions - - - - -
Derivative Financial Instruments - - - - -
Other Trading Assets - - - - -
Loans and Advances to MFIs & Co-operatives - - - - -
Loans and Advances to Customers 12,382,277,075 16,407,696,744 19,579,543,898 18,922,350,018 24,888,658,466
Investment Securities 8,200,000 8,200,000 139,696,422 298,092,829 359,403,186
Current Tax Assets - - - - -
Investment Property - - - - -
Property and Equipment 154,776,519 158,861,631 242,447,619 250,836,681 260,870,621
Goodwill and Intangible Assets - - 2,990,529 3,491,690 3,698,644
Deferred Tax Assets - - - 8,454,156 21,176,239
Other Assets 163,755,393 150,270,251 119,389,928 110,538,851 136,807,893
Total Assets 15,509,467,905 19,549,572,157 24,055,689,258 27,259,253,505 34,286,755,263
Liabilities          
Due to Bank and Financial Institutions  - - - - -
Due to Nepal Rastra Bank 4,159,871 3,170,903 2,181,935 1,198,967 -
Derivative Financial Instruments  - - - - -
Deposits from Customers 9,068,311,377 11,929,671,577 15,387,326,226 18,665,963,630 22,439,376,264
Borrowings 3,926,233,857 4,429,450,772 4,479,520,993 4,073,346,786 6,217,521,409
Current Tax Liabilities - 15,356,532 25,671,277 20,923,050 44,009,196
Provisions - - 17,064,376 17,064,376 -
Deferred Tax Liabilities - - 1,214,670 - -
Other Liabilities 995, 656,749 1,273,537,543 311,868,685 378,046,788 514,736,948
Debt Securities Issued - - - - -
Subordinated Liabilities - - - - -
Total Liabilities  13,994,361,855 17,651,187,329 20,224,848,166 23,156,543,600 29,215,643,819
Equity          
Share Capital  1,000,000,000 1,180,000,000 1,180,000,000 1,500,000,000 1,830,000,000
Share Premium 40,967,834 40,967,834 40,967,834 40,967,834 40,967,834
Retained Earnings 97,342,919 167,710,535 954,528,133 891,789,432 1,223,997,855
Reserves 376,795,296 509,706,458 1,655,345,124 1,669,952,638 1,976,145,753
Total Equity 1,515,106,049 1,898,384,827 3,830,841,091 4,102,709,905 5,071,111,443
Total Liabilities and Equity 15,509,467,905 19,549,572,157 24,055,689,258 27,259,253,505 34,286,755,263
Contingent Liabilities and Commitments  - - - - -
Net Assets Value per share 151.51 160.88 324.65 273.51 277.11
Particulars Financial Year 
  2073/74 2074/75 2075/76 2076/77 2077/78
Interest Income 2,265,416,063 2,830,725,076 3,491,142,957 3,382,766,170 4,227,806,576
Interest Expense 1,018,996,291 1,339,387,430 1,773,136,555 2,068,458,345 1,998,019,680
Net Interest Income  1,246, 419,771 1,491,337,645 1,718,006,401 1,764,307,824 2,229.786,895
Fee and Commission Income  177,211,467 232,883,938 444,330,450 352,618,315 530,951,586
Fee and Commission Expense  - - - 280,604 76,383
Net Fee and Commission Income  177,211,467 232,883,938 444,330,450 352,618,315 530,951,586
Net Interest, Fee and Commission Income  1,423,631,239 1,724,221,584 2,162,336,852 2,116,926,140 2,760,738,481
Net Trading Income  - - - - -
Other Operating Income  - - - 641,250 702,438
Total Operating Income  1,423,631,239 1,724,221,585 2,162,336,853 2,117,567,390 2,761,440,919
Impairment Charge/ (Reversal) for Loans and Other Losses 50,666,601 46,462,607 55,767,652 283,181,673 (60,290,207)
Net Operating Income  1,372,964,637 1,677,758,977 2,106,569,199 1834,385,717 2,821,731,126
Operating Expense          
Personal Expenses  468,955,264 659,185,435 672,447,961 730,125,045 828,447,250
Other Operating Expenses 70,404,433 81,775,092 298,672,591 112,505,048 122,407,371
Depreciation & Amortization 17,923,475 20,642,834 27,588,736 32,937,543 31,502,890
Operating Profit  815,681,463 916,155,614 1,107,859,909 958,818,080 1,839,373,613
Non Operating Income 23,606,897 45,114,396 50,906,737 30,100,016 64,158,802
Non Operating Expense  - - - 211,921 -
Profit Before Income Tax 839,288,360 961,270,010 1,158,766,646 988,706,175 1,903,532,415
Income Tax Expense  263,480,380 294,659,012 412,092,711 - -
Current Tax 264,314,983 294,247,974 415,885,558 327,275,978 604,792,487
Deferred Tax (834,603) 411,037 (3,792,846) (8,945,880) (15,115,846)
Profit for the Year 575,807,980 666,610,998 746,673,935 670,376,077 1,313,855,775
Profit Attribute To:           
   Equity-holders of the Financial Institution   575,807,980 666,610,998 746,673,935 670,376,077 1,313,855,775
   Non-controlling Interest - - - - -
Profit for the Year 575,807,980 666,610,998 746,673,935 670,376,077 1,313,855,775
Earnings Per Share          
 Basic Earnings Per Share  57.58 56.49 63.28 44.69 71.80
 Diluted Earnings Per Share  57.58 56.49 63.28 44.69 71.80