प्राइम कमर्सियल बैंकको चौथो त्रैमासिक वित्तीय विवरणPrime Commercial Bank Q4 Interim Financial Results

PRIME COMMERCIAL BANK LTD.

Interim Financial Results (Quarterly)

As on Quarter Ended Ashadh 2080

Condensed Statement of Financial Position

As on Quarter Ended Ashadh 2080

Amount in NPR

Assets This Quarter Ending Immediate Previous Year Ending (Audited)

Cash and Cash Equivalents	10,471,724,326	13,558,945,679
Due from Nepal Rastra Bank	19,523,535,967	19,567,391,102
Placement with B/FIs	5,718,196,071	3,759,755,176
Derivative Financial Instruments	-	-
Other Trading Assets	-	-
Loans and Advances to B/FIs	10,595,286,042	8,929,933,751
Loans and Advances to Customers	226,441,101,956	209,099,209,917
Investment Securities	53,057,532,012	52,379,418,305
Current Tax Assets	142,517,379	15,377,688
Investment in Subsidiaries	-	-
Investment in Associates	46,023,000	46,023,000
Investment Property	5,078,577,972	3,943,962,799
Property and Equipment	1,825,650,423	1,936,980,810
Goodwill and Intangible Assets	388,831,460	385,861,036
Deferred Tax Assets	1,317,530,556	802,779,389
Other Assets	1,461,442,094	2,065,927,829
Total Assets	336,067,949,257	316,491,566,481

Liabilities This Quarter Ending Immediate Previous Year Ending (Audited)

Due to Bank and Financial Institutions	5,596,518,829	4,659,806,860
Due to Nepal Rastra Bank	-	-
Derivative Financial Instruments	-	-
Deposits from Customers	277,743,614,735	263,360,694,622

Borrowings - 2,750,000,000

Current Tax Liabilities	-	-
Provisions	-	-
Deferred Tax Liabilities	-	-
Other Liabilities	3,717,946,680	3,663,180,012
Debt Securities Issued	12,171,475,651	9,167,406,736
Subordinated Liabilities	-	-
Total Liabilities	299,229,555,896	283,601,088,230
Equity
Share Capital	20,954,781,773	19,402,575,716
Share Premium	-	-
Retained Earnings	1,907,412,912	1,733,299,518
Reserves	13,976,198,676	11,754,603,016
Total Equity Attributable to Equity Holders	36,838,393,362	32,890,478,250
Non Controlling Interest	-	-
Total Equity	36,838,393,362	32,890,478,250
Total Liabilities and Equity	336,067,949,257	316,491,566,481

Condensed Statement of Profit and Loss

For the Quarter Ended Ashadh 2080

Amount in NPR

Particulars Current Year This Quarter Current Year Up to This Quarter (YTD) Previous Year Corresponding (Audited) This Quarter Previous Year Corresponding (Audited) Up to This Quarter (YTD)
Interest Income	5,319,839,725	21,618,585,427	6,005,473,706	23,628,502,552
Interest Expense	2,948,388,838	12,405,891,807	3,748,693,661	14,710,340,026
Net Interest Income	2,371,450,886	9,212,693,619	2,256,780,044	8,918,162,526
Fee and Commission Income	558,079,571	2,182,864,975	554,504,843	1,914,537,279
Fee and Commission Expense	84,425,805	233,506,025	76,667,345	220,246,764
Net Fee and Commission Income	473,653,766	1,949,358,950	477,837,498	1,694,290,515
Net Interest, Fee and Commission Income	2,845,104,652	11,162,052,569	2,734,617,542	10,612,453,041
Net Trading Income	103,140,272	372,848,998	70,210,398	240,326,974
Other Operating Income	47,092,483	365,937,674	97,263,772	393,153,213
Total Operating Income	2,995,337,407	11,900,839,242	2,902,091,712	11,245,933,229
Impairment Charge/ (Reversal) for Loans and Other Losses	195,910,708	1,739,643,639	389,154,635	2,720,743,761
Net Operating Income	2,799,426,699	10,161,195,603	2,512,937,077	8,525,189,468
Operating Expenses
Personnel Expenses	651,732,182	2,449,910,619	644,036,812	2,293,842,001
Other Operating Expenses	11,252,832	570,634,085	8,908,564	552,814,574
Depreciation & Amortization	197,324,176	307,595,449	195,036,579	295,743,013
Operating Profit	1,939,117,509	6,833,055,450	1,664,955,122	5,382,789,880
Non-Operating Income	7,829,876	36,939,209	1.0	1,896,747
Non-Operating Expense	439,459,271	952,492,092	95,282,705	621,290,984
Profit Before Income Tax	1,507,488,114	5,917,502,567	1,569,672,418	4,763,395,642
Income Tax Expenses
Current Tax	570,687,981	2,284,131,234	581,368,964	1,979,474,285
Deferred Tax	(86,433,352)	(479,197,467)	16,848,638	(416,837,598)
Profit/(Loss) for the Period	1,023,233,485	4,112,568,800	971,454,816	3,200,758,955
Condensed Statement of Comprehensive Income
Profit/(Loss) for the period	1,023,233,485	4,112,568,800	971,454,816	3,200,758,955
Other Comprehensive Income	(75,843,732)	(82,958,633)	(24,256,072)	7,501,488
Total Comprehensive Income	947,389,753	4,029,610,167	947,198,744	3,208,260,443
Basic Earnings per Share	-	19.63	-	16.50
Diluted Earnings per Share	-	19.63	-	16.50
Profit Attributable to:
Equity-holders of the Bank	1,023,233,485	4,112,568,800	971,454,816	3,200,758,955
Non-Controlling Interest	-	-	-	-
Total	1,023,233,485	4,112,568,800	971,454,816	3,200,758,955
Ratio as per NRB Directives
Particulars Current Year This Quarter Current Year Upto This Quarter (YTD) Previous Year Corresponding This Quarter Previous Year Corresponding Upto This Quarter (YTD)
Capital Fund to RWA	-	-

Tier 1 Capital to RWA - 9.88% - 9.98%

Statement of Distributable Profit or Loss

For the quarter end of Ashad 2080

(As per NRB Regulation)

Amount in NPR

Particulars Current Year Up to this Qtr YTD Previous Year Corresponding Qtr (YTD)

Net profit or (loss) as per statement of Profit or Loss 4,112,568,800 3,200,758,955