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Item 1 : Tier I Capital and its sub-components Amount 000" Nu. Sl? 31.03.2017 31.03.2016 1Total Tier I Capital??aPaid - Up Capital 450,000.00 450,000.00 bGeneral Reserves 327,208.46 238,992.88 cShare Premium Account 28,150.80 28,150.80 dRetained Earning 190,477.27 104,845.71 ?Less??eLosses for the Current Year - - ?Total 995,836.53 821,989.39 Item 2 : Tier 2 Capital and its sub-componentsSl? 31.03.2017 31.03.2016 1Tier II Capital - - aCapital Reserve - - bFixed Assets Revaluation Reserve - - cExchange Fluctuation Reserve 10,301.92 7,717.90 dInvestment Fluctuation Reserve - - eResearch and Development Fund - - fGeneral Provision 52,487.49 48,048.93 gCapital Grants - - hSubordinate Debt 178,800.00 178,800.00 iProfit for the Year - - ?Total 241,589.41 234,566.83 Item 3 : Risk weighted assets (Current period and COPPY)SlRisk Weighted AssetsBalance Sheet AmountRisk Weight %Risk Weighted Asset?? 31.03.2017 31.03.2016 ? 31.03.2017 31.03.2016 1LAFD 91,493.04 123,277.17 0% - - 2L & A other then LAFD 4,947,411.77 4,646,368.89 100%4,947,411.77 6,347,313.20 3Non Performing Loans less sepcial prov. 53,145.65 150%79,718.484Claim on Commercial Banks 2,527,319.38 3,629,375.54 20%505,463.88 725,875.11 5Fixed Assets 44,128.51 35,105.75 100%44,128.51 35,105.75 6Other Assets 313,551.88 112,261.85 100% 313,551.88 112,261.85 7Off Balance Sheet items (Direct Credit Substitute) 599,679.31 1,647,307.02 100% 599,679.31 1,647,307.02 8Off Balance Sheet items (Transaction releated contingent item) 1,739,085.74 - 50% 869,542.87 - ?Total Credit Risk???7,359,496.698,867,862.939Operation Risk???519,391.930.00?Grand Total 10,315,815.28 ,193,696.22 ?7,878,888.628,867,862.93Note : In case of same risk weights to different sectors, same RW % to be added and shown under one head. Item 4 : Capital Adequacy RatiosSl? 31.03.2017 31.03.2016 1Tier 1 Capital 995,836.53 821,989.39 aOf which Counter-Cyclical Capital Buffer (CCYB) (if applicable)??bOf which Sectoral Capital Requirements (SCR) (if applicable)??iSector 1??iiSector 2??iiiSector 3??2Tier 2 Capital 241,589.41 234,566.83 3Total Qualifying capital 1,237,425.94 1,056,556.22 4Core CAR13% 9.27 aOf which CCyB (if applicable) expresed as % of RWA??bOf which SCR (if applicable) expresed as % of Sectoral RWA??iSector 1??iiSector 2??iiiSector 3??5CAR16% 11.91 6Leverage ratio7.85% 7.38 5Item 5 : Loans and NPL by Sectoral Classifications31.03.2017Sl. No.Sector31.03.2017 31.03.2016 Total LoansNPL Total Loans NPL aAgriculture 15,415.01 473.46 756,745.48 432.83 bManufacturing / Industry 800,817.76 55,369.20 737,553.87 14,802.40 cService & Tourism 1,284,472.83 67,591.77 1,269,160.68 54,156.62 dTrade & Commerce 440,787.69 14,385.00 628,519.67 25,212.19 eHousing 1,488,594.43 12,617.01 1,219,503.83 7,352.29 fTransport 125,567.03 6,736.40 115,352.46 9,065.79 gLoans to Purchase Securities 289,653.15 ? 261,504.47 - hPersonal Loan 152,117.19 12,941.78 326,868.74 82,513.84 iEducation Loan 14,415.04 636.65 - - jLoan Against Term Deposits 91,493.04 ? 123,277.17 - kLoans to FI (s) 274,395.15 ? - - lOthers?? 54,398.31 1,366.87 mStaff loan (incentive) 20,811.39 ? - - nLoans to Govt. Owned Corporation103,275.29? - - oConsumer Loan (GE) 109,207.99 ? 67,208.70 - ?Total 5,211,022.99 170,751.27 5,560,093.39 194,902.85 6Item 6 : Loans (Over-drafts and term loans ) by type of counter-party.Sl. No.Counter-Party 31.03.2017 31.03.2016 1Overdrafts??aGovernment ??bGovernment Corporations 40,099.16 - cPublic Companies??dPrivate Companies 538,463.19 332,167.69 eIndividuals 1,354,487.15 1,306,933.93 fCommercial Banks? - gNon-Bank Financial Institutions 250,075.34 16,892.78 ?Sub-total 2,183,124.84 1,655,994.40 2Term Loans? - aGovernment ? - bGovernment Corporations 105,566.04 111,723.03 cPublic Companies? 68,056.38 dPrivate Companies 406,116.05 233,125.04 eIndividuals 2,923,406.26 2,735,205.81 fCommercial Banks? - gNon-Bank Financial Institutions? - ?Sub-total 3,435,088.35 3,148,110.25 ?Total loans 5,618,213.19 4,804,104.65 MPRR-Disclosures Requirements Reporting : Annual & Quarterly. 7Item 7 : Assets (net of provisions) and Liabilities by Residual Maturity (Current Period and COPPY) Effective : January, 2017 Applicable : December, 2017 SlAs of period endingOn Demand1-30 days31-90 days91-180 days181-270 days271-365 daysOver 1 yearTotal1Cash in hand????????2Govt. Securities????????3Investmant Securities????????4Loans and Advances to banks????????5Loans and Advances to customers6,528.5853,031.59246,424.16184,424.77 429,801.22 3,253,167.821,037,643.155,211,021.296Other assets?????????TOTAL6,528.5853,031.59246,424.16184,424.77429,801.223,253,167.821,037,643.155211021.291Amount owed to other banks????????2Demand deposits????????3Saving deposits????????4Time deposits????????5Bonds & other negotiable instruments????????6Other liabilities?????????TOTAL000000001Assets/Liabilities6528.5853031.59246424.16184424.77429801.223253167.821037643.155211021.292Net Mismatch in each Time Interval????????3Cumulative Net Mismatch????????8Item 8 : Assets (net of provisions) and Liabilities by Original Maturity (Current Period and COPPY)SlAs of period endingOn Demand1-30 days31-90 days91-180 days181-270 days271-365 daysOver 1 yearTotal1Cash in hand????????2Govt. Securities????????3Investmant Securities????????4Loans and Advances to banks????????5Loans and Advances to customers6,528.5853,031.59246,424.16184,424.77429801.223,253,167.821,037,643.155,211,021.296Other assets?????????TOTAL6528.5853031.59246424.16184424.77429801.223253167.821037643.155211021.291Amount owed to other banks????????2Demand deposits????????3Saving deposits????????4Time deposits????????5Bonds & other negotiable instruments????????6Other liabilities?????????TOTAL000000001Assets/Liabilities6528.5853031.59246424.16184424.77429801.223253167.821037643.155211021.292Net Mismatch in each Time Interval????????3Cumulative Net Mismatch????????9Item 10 : Non Performing Loans and ProvisionsSl. ? 31.03.2017 31.03.2016?Gross Loans 5,211,022.99 4,804,104.65 1Amount of NPLs (Gross) 172,118.17 190,013.34 aSubstandard 22,562.26 27,416.78 bDoubtful 18,957.08 25,701.71 cLoss 130,598.83 136,894.85 ?? 172,118.17 190,013.34 2Specific Provisions 118,972.52 133,037.50 aSubstandard 4,776.13 5,110.07 bDoubtful 9,450.58 12,173.13 cLoss 104,745.80 115,754.29 ?? 118,972.52 133,037.50 3Interest - in Suspense 28,414.84 24,698.26 aSubstandard 1,146.80 1,145.88 bDoubtful 1,415.01 2,411.83 cLoss 25,853.03 21,140.56 ?? 28,414.84 24,698.26 4Net NPLs 24,730.81 31,178.98 aSubstandard - - bDoubtful - - cLoss - - ?? - - ?Net NPLs 24,730.81 24,698.26 ?Net Loans 5,063,635.63 4,645,270.30 ????5Gross NPLs to Gross Loans3.30%3.96%6Net NPLs to net Loans0.49%0.67%7General Provisioning??aStandard 43,840.47 40,108.89 bWatch 8,647.02 7,940.03 Item10.Assets and InvestmentsSl. No.Investment 31.03.2017 31.03.2016 1Marketable Securities??aRMA Securities? - bRGoB Bonds/Securities? - cCorporate Bonds? 250,000,000.00 dOthers? - 2Equity Investments? - aPublic Companies? - bPrivate Companies? - cCommercial banks? - dNon-Bank Financial Institutions? - Less???eSpecific Provisions? - 3Fixed Assets??aFixed Assets (Gross)? 109,241,198.21 Less???bAccumulated Depreciations? 74,135,445.08 cFixed Assets (Net Book Value)? 35,105,753.13 Geographical Distributions of Exposures?DomesticIndia Others ?31.03.201731.03.201631.03.201731.03.2016 31.03.2017 31.03.2016 Demand Deposits Held with Other Banks?217659780.6?2244036354?77488827Time Deposits Held with other Banks?1090190575?0?0Borrowings?0?0?0MPRR-Disclosures RequirementsReporting: Annual & Quarterly. 10Item 10 : Non Performing Loans and ProvisionsEffective : July, 201531.03.2017Applicable : Dec. 2015Sl. ? Current Period COPPY?Gross Loans 5,211,022.99 4,804,104.65 1Amount of NPLs (Gross) 172,118.17 190,013.34 aSubstandard 22,562.26 27,416.78 bDoubtful 18,957.08 25,701.71 cLoss 130,598.83 136,894.85 ?? 172,118.17 190,013.34 2Specific Provisions 118,972.52 133,037.50 aSubstandard 4,776.13 5,110.07 bDoubtful 9,450.58 12,173.13 cLoss 104,745.80 115,754.29 ?? 118,972.52 133,037.50 3Interest - in Suspense 28,414.84 24,698.26 aSubstandard 1,146.80 1,145.88 bDoubtful 1,415.01 2,411.83 cLoss 25,853.03 21,140.56 ?? 28,414.84 24,698.26 4Net NPLs 24,730.81 31,178.98 aSubstandard - - bDoubtful - - cLoss - - ?? - - ?Net NPLs 24,730.81 24,698.26 ?Net Loans 5,063,635.63 4,645,270.30 ????5Gross NPLs to Gross Loans3.30%3.96%6Net NPLs to net Loans0.49%0.67%7General Provisioning??aStandard 43,840.47 40,108.89 bWatch 8,647.02 7,940.03 ................
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