Development Credit Bank : DCBL

Figures in NRs million

UNAUDITED FINANCIAL RESULT
As of 15th July,2004 (Ashadh end 2061)

Particulars

4q04

3q04

4q03

Authorized Capital

320

Issued Capital

160

Paid up Capital

160

General Reserves

5.23

Retained Earnings

3.20

Other Reserves

-

Provision for Loan Loss

13.27

19.40

15.98

Total Deposits

1,413.97

1,394.94

1,308.01

Total Borrowings

5.20

56

2.25

Other Financial Instruments

-

Total Credit

1,192.55

1,162.69

1,010.41

Total Investments

45.09

145.49

76.49

Cash & Bank:-

387.53

326.16

421.68

Cash in Vault

4.34

1.81

1.30

Balance with NRB

14.53

25.08

19.73

Balance with Commercial Banks

368.66

299.27

400.65

Balance with Develoment Banks

-

Other

-

Other Assets

55.10

60.67

29.43

Other Liabilities

21.17

36.17

43.34

Total Income:-

176.06

85.46

152.15

Interest Income

165.69

83.95

143.49

Other Income

10.37

1.51

8.66

Total Expenses:-

120.54

61.97

115.60

Interest Expenses

92.87

47.51

87.41

Operating Expenses

23.01

12.17

20.10

Other Expenses(Deprecition/Amortization)

4.66

2.29

8.09

Operationg Profit

60.18

25.78

44.64

Operationg Profit (After Depreciation/ Amortization)

58.23

20.07

32.44

Capital Adequacy

13.33%

13.53%

14.87%