APPENDICES

Appendix – 1

Balance Sheet of Parabhu Bank ltd (Rs. in “000”)

BALANCE SHEET

Capital & liabilities 2012/13 2013/14 2014/15 2015/16 2016/17

1. Share Capital 1,694,196 1,694,081 1,948,193 2,337,965 2,893,183

2. Reserve & surplus 419,180 606,177 772,491 837,067 1,253,360

3. Debenture & Bonds 350,000 350,000 750,000 750,000 750,000

4. Borrowings - 27,980 - - -

5. Deposit Liabilities 18,299,627 22,831,842 25,960,598 30,592,046 39,991,814

6. Bills Payable 302,100 1,765 2,663 1,889 5,528

7. Proposed and Dividend Payable 74,098 169,408 - 20,508 -

8. Income Tax Liability 4,678 - - - -

9. Other Liabilities 316,010 347,273 381,990 379,683 446,274

Total Capital & Liabilities 21,559,891 26,028,528 29,815,936 34,919,161 45,340,160

Assets

1. Cash Balance 356,669 407,788 357,704 503,598 687,821

2. Balance with NRB 1,866,490 3,845,300 2,871,238 4,339,211 3,943,915

3. Balance with Banks/financial Institute 551,432 195,585 236,198 488,386 302,935

4. Money At Call and Short Notice 50,000 659,487 443,329 721,875 680,504

5. Investment 3,041,421 3,758,105 5,417,569 4,700,417 6,454,363

6. Loans, Advances & Bills Purchased 15,199,847 1,6476,630 19,693,819 22,723,846 30,971,338

7. fixed Assets 352,338 308,172 437,739 435,358 501,191

8. Non-Banking assets - - - - -

9. Other Assets 141,691 377,457 358,337 1,006,466 1,798,090

Total Assets 21,559,891 26,028,528 29,815,936 34,919,161 45,340,160

Appendix - 2

Profit and Loss Account of Parabhu Bank (Rs. in “000”)

Particulars 2012/13 2013/14 2014/15 2015/16 2016/17

1. Interest Income 2,233,332 2,289,359 2,376,734 2,489,315 2,577,674

2. Interest Expense 1,503,851 1,645,718 1,451,899 1,667,026 1,618,131

Net Interest Income 729,481 643,641 924,835 822,288 959,542

3. Commission and Discount 69,787 149,817 139,294 194,605 216,288

4. Other Operating Income 67,522 56,390 88,637 103,898 151,053

5. Exchange fluctuation Profit 63,127 107,950 117,338 1,201,841 120,381

Total Operating Income 929,920 957,800 1,270,106 1,240,978 1,447,265

6. Staff Expenses 157,662 178,284 207,372 239,996 272,858

7. Other Operating Expenses 169,294 194,842 240,502 265,703 322,379

8. Exchange Fluctuation Loss - - - - -

Operating Profit Before 602,963 584,673 822,230 735,277 852,027

Prov.For Loss

9. Provision For Possible Loss 13,634 30,808 186,037 73,654 243,944

Operating Profit 589,328 553,865 636,192 661,622 608,082

10. Non-Operating 873 5,834 12,971 25,744 23,888

Income/Loss

11. Loss Provision Written 798 - 10,187 53,740 15,756

Back

Profit From Regular 591,001 559,699 659,351 741,107 647,726

Operation

12. Profit/Loss From Extra- 2,348 - 1,200 300 -

ordinary Activities

Net Profit After considering 593,349 559,699 660,551 741,407 647,726

All Activities
13. Provision For Staff Bonus 53,940 50,881 60,050 67,400 58,884

14. Income Tax Provision - - - - -

- Current Year 161,482 154,626 185,477 203,566 167,671

- Up to Previous Year - - - - 221

Current Year Differed Tax 2,780 (2,199) (4,818) (4,416) (4,753)

income/expenditu‾re

Net profit/Loss 375,145 356,390 419,842 474,856 416,195

Appendix – 3

Total Loans & Advances to Total Deposit (Credit to Deposit Ratio in %)

LOAN∧ ADVANCES
LATDR =
TOTAL DEPOSITS

Parabhu
Year Total Loan & advances Total Deposits Bank
2012/13 15,199,847 18,299,627 83.06
2013/14 16,476,630 22,831,841 72.16
2014/15 19,693,819 25,960,598 75.86
2015/16 22,723,846 30,592,046 74.28
2016/17 30,971,338 39,991,814 77.44
Mean 76.56
S.D. 1.89
Appendix – 4

Non-Performing Loan to Total Loans and Advances Ratio(%)

NON PERFORMING lOAN
NPLLAR =
LOAN ∧ ADVANCES

Parabhu
Year Non Performing Loan Loan & Advances Bank
2012/1 0.91
3 138,839 15,199,847
2013/1 103,702 16,476,630 0.62
4
2014/1 304,446 19,693,819 1.54
5
2015/1 265,001 22,723,846 1.16
6
2016/1 410,793 30,971,338 1.32
7
Mean 1.11
S.D. 0.32

Appendix – 5

Non Performing Loan to Loan Loss Provision Ratio (%)

NON PERFORMING LOAN
NPLLLPR =
LOAN LOSS PROVISION
Year Non Performing Loan Loan loss provision Parabhu Bank
2012/13 138,839 182,245 76.18
2013/14 103,702 241,940 42.86
2014/15 304,446 396,852 76.72
2015/16 265,001 360,333 73.54
2016/17 410,793 563,941 72.84
Mean 68.42
S.D. 12.84
Appendix - 6

Loan Loss Provision to Total Loans and Advances Ratio (%)

LOAN LOSS PROVISION

LLPLAR =
LOAN ∧ADVANCES

Parabhu
Year Loan Loss Provision Loan & Advances Bank
2012/13 182,245 15,199,847 1.19
2013/14 241,940 16,476,630 1.46
2014/15 396,852 19,693,819 2.01
2015/16 360,333 22,723,846 1.58
2016/17 563,941 30,971,338 1.82
Mean 1.61
S.D. 0.28

Appendix – 7

Return on Loans and Advances Ratio (%)

NET PROFIT
RLAR =
LOAN∧ ADVANCES
Year Net profit Loan & Advances Parabhu Bank
2012/13 375,145 15,199,847 2.46
2013/14 356,390 16,476,630 2.16
2014/15 419,842 19,693,819 2.13
2015/16 474,856 22,723,846 2.09
2016/17 416,195 30,971,338 1.34
Mean 2.04
S.D 0.37
Appendix – 8

Interest income on Loans and Advances (%)

INTEREST INCOME
IILAR =
LOAN∧ ADVANCES

Year Interest income Loan & Advance Parabhu bank

2012/13 2,233,332 15,199,847 14.69
2013/14 2,289,359 16,476,630 13.89
2014/15 2,376,734 19,693,819 12.07
2015/16 2,489,315 22,723,846 10.95
2016/17 2,577,674 30,971,338 8.32
Mean 11.98
S.D. 2.26

Appendix – 9

Total Interest Paid to Total Deposit & Borrowing Ratio (%)

INTEREST PAID
IPDBR =
DEPOSITS∧BORROWING

Parabhu
Year Interest Paid Deposit & Borrowing Bank
2012/13 1,503,851 18,299,627 8.22
2013/14 1,645,718 22,859,822 7.20
2014/15 1,451,899 25,960,598 5.59
2015/16 1,667,026 30,592,046 5.45
2016/17 1,618,131 39,991,814 4.05
Mean 6.10
S.D. 2.30
Appendix – 10

Capital Adequacy Ratio (%)

TOTAL CAPITAL FUND
CAR =
RISK WEIGHTED EXPOSURES

Parabhu
Year Total capital fund Risk weighted exposure Bank
2012/13 2,330,045 20,034,849 11.63
2013/14 2,480,627 22,517,213 11.02
2014/15 3,262,640 26,675,281 12.23
2015/16 3,697,912 31,043,486 11.91
2016/17 4,634,659 42,855,580 10.81
Mean 11.51
S.D. 1.19