Butwal Finance Limited
UNAUDITED FINANCIAL RESULTS (QUARTERLY)
As at 32nd Ashad  2068(4th Quarter of the Fiscal Year 2067/68)
						Rs. In '000
S.N	Particulars	This Quarter		Previous Quarter		Corresponding Previous
		Ending		Ending		Year Quarter Ending
1	Total Capital & Liabilities	1,992,924		2,113,439		1,729,651
1.1	Paid Up Capital	208,993		206,783		114,667
1.2	Reserve and Surplus	46,932		43,761		56,222
1.3	Debenture and Bond	-		-		-
1.4	Borrowings	85,000		155,000		95,000
1.5	Deposits (a+b)	1,574,910		1,633,417		1,395,165
	a) Domestic Currency	1,574,910		1,633,417		1,395,165
	b) Foreign Currency	-		-		-
1.6	Income Tax Liabilities	1,696		-		721
1.7	Other Liabilities	75,393		74,478		67,876
2	Total Assets	1,992,924		2,113,439		1,729,651
2.1	Cash/Bank Balance	72,722		503,400		62,514
2.2	Money at Call and Short Notice	400,278		-		392,782
2.3	Investments	77,750		77,849		70,750
2.4	Loan and Advance	1,336,550		1,362,081		1,138,931
	a) Real State Loan	391,293		197,101		301,619
	1.Residential Real Estate Loan (Except personal	252,595		91,036		243,075
	Home Loan upto 80 lacs)
	2.Business Complex & Residential Apartment
	Construction Loan
	3.Income Generating Commercial Complex Loan
	4.Other Real state Loan (Including Land Purchase	138,698		106,065		58,544
	& Plotting
	b) Personal Home Loan of Rs.80 Lacs or Less	143,167
	c) Margin Type Loan	42,801		47,610		41,251
	d) Term Loan	485,629		595,496		395,403
	e) Overdraft Loan/TR Loan / WC Loan	119,903		136,490		78,435
	f) Others	153,757		385,384		322,223
2.5	Fixed Assets	68,625		56,187		40,857
2.6	Non-Banking Assets	-		-		-
2.7	Other Assets	36,999		113,922		23,817
3	Profit and Loss Account	Up to this		Up to previous		Up to Corresponding previous Year Quarter
		Quarter		Quarter
3.1	Interest Income	253,454		173,186		183,249
3.2	Interest Expenses	186,515		132,264		121,624
	A.Net Interest Income	66,939		40,922		61,625
3.3	Fees, Commision and Discount	2,986		2,285		3,750
3.4	Other Operating Income	15,711		12,128		13,590
3.5	Foreign Exchange Gain/Loss	-		-		-
	B.Total Operating Income	85,636		55,335		78,965
3.6	Staff Expenses	19,388		13,672		15,380
3.7	Other Operating Expenses	31,879		16,874		22,524
	C.Operating Profit Before Provision	34,369		24,789		41,061
3.8	Provision for Possible Losses	7,368		3,381		4,015
	D.Operating Profit	27,001		21,408		37,046
3.9	Non-Operating Income / Expenses (Net)	626		-		21
3.1	Write Back of Provision for Possible Losses	-		-		729
	E.Profit From Regular Activities	27,627		21,408		37,796
3.11	Extra Ordinary Income/Expenses (Net)	68		0		-260
	F.Profit Before Bonus and Taxes	27,695		21,408		37,536
3.12	Provision for Staff Bonus	2,518		1,946		3,412
3.13	Provision for Tax	8,627		5,839		10,237
	G.Net Profit (Loss)	16,550		13,623		23,887
4	Ratios	At the end of this Quarter		At the end of Previous Quarter		At the end of Corresponding Previous Year Quarter
4.1	Capital Fund to RWA	17.48		16.23		14.1
4.2	Non Performing Loan(NPL) to Total Loan	2.18		1.46		1.65
4.3	Total Loan Loss Provision to Total NPL	144.83		193.16		186.95
4.4	Cost of Funds	14.40%		12.14%		10.71%
4.5	Credit to Deposit Ratio(Calculated as Per NRB Directives)	75.46%		74.51%		75.16%
	Note : If the statutory and supervisory authority notify any remarks to change, the unaudited financial
	Statement could be changed accordingly.

Butwal Finance Limited
UNAUDITED FINANCIAL RESULTS (QUARTERLY)
As at 30th  Chaitra 2067(3rd  Quarter of the Fiscal Year 2067/68)
				Rs. In '000
S.N	Particulars	This Quarter Ending	Previous Quarter Ending	Corresponding Previous Year Quarter Ending
1	Total Capital & Liabilities	2,113,439	1,855,272	1,590,803
1.1	Paid Up Capital	206,783	139,487	82,736
1.2	Reserve and Surplus	43,761	43,452	68,107
1.3	Debenture and Bond	-	-
1.4	Borrowings	155,000	87,000	118,750
1.5	Deposits (a+b)	1,633,417	1,462,558	1,218,463
	a) Domestic Currency	1,633,417	1,462,558	1,218,463
	b) Foreign Currency	-	-
1.6	Income Tax Liabilities	-	496	2,397
1.7	Other Liabilities	74,478	122,279	100,350
2	Total Assets	2,113,439	1,855,272	1,590,803
2.1	Cash/Bank Balance	503,400	401,413	350,673
2.2	Money at Call and Short Notice	-	-
2.3	Investments	77,849	77,849	70,750
2.4	Loan and Advance	1,362,081	1,289,265	1,098,153
	a) Real State Loan	197,101	211,262	512,987
	1.Residential Real Estate Loan	91,036	61,891	440,184
	2.Business Complex & Residential Apartment     Construction Loan
	3.Income Generating Commercial Complex Loan
	4.Other Real state Loan (Including Land Purchase      & Plotting	106,065	149,371	72,803
	b) Margin Type Loan	47,610	45,135	35,069
	c) Term Loan	595,496	559,577	279,465
	d) Overdraft Loan/TR Loan / WC Loan	136,490	116,563	38,889
	e) Others	385,384	356,728	231,743
2.5	Fixed Assets	56,187	46,987	39,962
2.6	Non-Banking Assets	-	-	285
2.7	Other Assets	113,922	39,758	30,980
3	Profit and Loss Account	Up to this  Quarter	Up to previous Quarter	Up to Corresponding previous Year Quarter
3.1	Interest Income	173,186	118,614	127,342
3.2	Interest Expenses	132,264	85,187	83,297
	A.Net Interest Income	40,922	33,427	44,045
3.3	Fees, Commision and Discount	2,285	1,347	2,434
3.4	Other Operating Income	12,128	8,018	9,565
3.5	Foreign Exchange Gain/Loss	-	-	-
	B.Total Operating Income	55,335	42,792	56,044
3.6	Staff Expenses	13,672	9,254	10,847
3.7	Other Operating Expenses	16,874	10,343	11,379
	C.Operating Profit Before Provision	24,789	23,195	33,818
3.8	Provision for Possible Losses	3,381	2,273	2,075
	D.Operating Profit	21,408	20,922	31,743
3.9	Non-Operating Income / Expenses (Net)	-	-	171
3.10	Write Back of Provision for Possible Losses	-	-	729
	E.Profit From Regular Activities	21,408	20,922	32,643
3.11	Extra Ordinary Income/Expenses (Net)	0	0	-
	F.Profit Before Bonus and Taxes	21,408	20,922	32,643
3.12	Provision for Staff Bonus	1,946	1,902	2,968
3.13	Provision for Tax	5,839	5,706	8,903
	G.Net Profit (Loss)	13,623	13,314	20,772
4	Ratios	At the end of this Quarter	At the end of Previous Quarter	At the end of Corresponding Previous Year Quarter
4.1	Capital Fund to RWA	16.23	13.59	13.25
4.2	Non Performing Loan(NPL) to Total Loan	1.46	1.52	1.56
4.3	Total Loan Loss Provision to Total NPL	193.16	191.24	196.10
4.4	Cost of Funds	12.14%	13.52%	10.52%
4.5	Credit to Deposit Ratio(Calculated as Per NRB Directives)		80.83%	82.78%
	Note : If the statutory and supervisory authority notify any remarks to change, the unaudited financial
	Statement could be  changed accordingly.

Butwal Finance Limited
UNAUDITED FINANCIAL RESULTS (QUARTERLY)
As at 30th  Poush 2067(2nd Quarter of the Fiscal Year 2067/68)
				Rs. In '000
S.N	Particulars	This Quarter Ending	Previous Quarter Ending	Corresponding Previous Year Quarter Ending
1	Total Capital & Liabilities	1,855,272	1,856,991	1,551,633
1.1	Paid Up Capital	139,487	114,667	97,736
1.2	Reserve and Surplus	43,452	75,566	46,489
1.3	Debenture and Bond	-	-
1.4	Borrowings	87,000	60,000	80,000
1.5	Deposits (a+b)	1,462,558	1,511,491	1,260,769
	a) Domestic Currency	1,462,558	1,511,491	1,260,769
	b) Foreign Currency	-	-
1.6	Income Tax Liabilities	496	2,411	2,561
1.7	Other Liabilities	122,279	92,856	64,078
2	Total Assets	1,855,272	1,856,991	1,551,633
2.1	Cash/Bank Balance	401,413	480,856	293,318
2.2	Money at Call and Short Notice	-	-
2.3	Investments	77,849	70,850	70,750
2.4	Loan and Advance	1,289,265	1,187,498	1,117,469
	a) Real State Loan	211,262	245,077	608,264
	1.Residential Real Estate Loan	61,891	79,823	527,951
	2.Business Complex & Residential Apartment     Construction Loan
	3.Income Generating Commercial Complex Loan
	4.Other Real state Loan (Including Land Purchase      & Plotting	149,371	165,254	80,313
	b) Margin Type Loan	45,135	45,182	30,375
	c) Term Loan	559,577	466,370	234,182
	d) Overdraft Loan/TR Loan / WC Loan	116,563	88,095	32,080
	e) Others	356,728	342,774	212,568
2.5	Fixed Assets	46,987	46,240	39,207
2.6	Non-Banking Assets	-	-	1,075
2.7	Other Assets	39,758	71,547	29,814
3	Profit and Loss Account	Up to this  Quarter	Up to previous Quarter	Up to Corresponding previous Year Quarter
3.1	Interest Income	118,614	56,510	83,957
3.2	Interest Expenses	85,187	41,396	54,740
	A.Net Interest Income	33,427	15,114	29,217
3.3	Fees, Commision and Discount	1,347	684	1,722
3.4	Other Operating Income	8,018	3,904	7,178
3.5	Foreign Exchange Gain/Loss	-	-	-
	B.Total Operating Income	42,792	19,702	38,117
3.6	Staff Expenses	9,254	4,848	7,353
3.7	Other Operating Expenses	10,343	4,475	7,440
	C.Operating Profit Before Provision	23,195	10,379	23,324
3.8	Provision for Possible Losses	2,273	1,537	1,832
	D.Operating Profit	20,922	8,842	21,492
3.9	Non-Operating Income / Expenses (Net)	-	-	21
3.10	Write Back of Provision for Possible Losses	-	-	729
	E.Profit From Regular Activities	20,922	8,842	22,242
3.11	Extra Ordinary Income/Expenses (Net)	0	0	-
	F.Profit Before Bonus and Taxes	20,922	8,842	22,242
3.12	Provision for Staff Bonus	1,902	804	2,022
3.13	Provision for Tax	5,706	2,411	6,066
	G.Net Profit (Loss)	13,314	5,627	14,154
4	Ratios	At the end of this Quarter	At the end of Previous Quarter	At the end of Corresponding Previous Year Quarter
4.1	Capital Fund to RWA	13.59	13.62	12.64
4.2	Non Performing Loan(NPL) to Total Loan	1.52	1.67	1.49
4.3	Total Loan Loss Provision to Total NPL	191.24	184.90	199.68
4.4	Cost of Funds	13.52%	12.91%	10.37%
4.5	Credit to Deposit Ratio(Calculated as Per NRB Directives)	80.83%	72.69%
	Note : If the statutory and supervisory authority notify any remarks to change, the unaudited financial
	Statement could be  changed accordingly.

Butwal Finance Limited
UNAUDITED FINANCIAL RESULTS (QUARTERLY)
As at 31st  Aswin 2067(1st Quarter of the Fiscal Year 2067/68)
				Rs. In '000
S.N	Particulars	This Quarter Ending	Previous Quarter Ending	Corresponding Previous Year Quarter Ending
1	Total Capital & Liabilities	1,856,991	1,729,651	1,605,261
1.1	Paid Up Capital	114,667	114,667	97,736
1.2	Reserve and Surplus	75,566	56,222	43,275
1.3	Debenture and Bond	-	-
1.4	Borrowings	60,000	95,000	150,000
1.5	Deposits (a+b)	1,511,491	1,395,165	1,224,102
	a) Domestic Currency	1,511,491	1,395,165	1,224,102
	b) Foreign Currency	-	-
1.6	Income Tax Liabilities	2,411	721
1.7	Other Liabilities	92,856	67,876	90,148
2	Total Assets	1,856,991	1,729,651	1,605,261
2.1	Cash/Bank Balance	480,856	62,514	391,983
2.2	Money at Call and Short Notice	-	392,782
2.3	Investments	70,850	70,750	85,650
2.4	Loan and Advance	1,187,498	1,138,931	1,045,288
	a) Real State Loan	245,077	243,075
	1.Residential Real Estate Loan	79,823
	2.Business Complex & Residential Apartment     Construction Loan
	3.Income Generating Commercial Complex Loan
	4.Other Real state Loan (Including Land Purchase      & Plotting	165,254	58,544
	b) Margin Type Loan	45,182	41,251
	c) Term Loan	466,370	395,403
	d) Overdraft Loan/TR Loan / WC Loan	88,095	78,435
	e) Others	342,774	322,223
2.5	Fixed Assets	46,240	40,857	33,836
2.6	Non-Banking Assets	-	-	1,962
2.7	Other Assets	71,547	23,817	46,542
3	Profit and Loss Account	Up to this  Quarter	Up to previous Quarter	Up to Corresponding previous Year Quarter
3.1	Interest Income	56,510	183,249	29,435
3.2	Interest Expenses	41,396	121,624	23,604
	A.Net Interest Income	15,114	61,625	5,831
3.3	Fees, Commision and Discount	684	3,750	732
3.4	Other Operating Income	3,904	13,590	3,441
3.5	Foreign Exchange Gain/Loss	-	-	-
	B.Total Operating Income	19,702	78,965	10,004
3.6	Staff Expenses	4,848	15,380	4,002
3.7	Other Operating Expenses	4,475	22,524	3,342
	C.Operating Profit Before Provision	10,379	41,061	2,660
3.8	Provision for Possible Losses	1,537	4,015	731
	D.Operating Profit	8,842	37,046	1,929
3.9	Non-Operating Income / Expenses (Net)	-	21	-
3.10	Write Back of Provision for Possible Losses	-	729	-
	E.Profit From Regular Activities	8,842	37,796	1,929
3.11	Extra Ordinary Income/Expenses (Net)	0	(260)	-
	F.Profit Before Bonus and Taxes	8,842	37,536	1,929
3.12	Provision for Staff Bonus	804	3,412
3.13	Provision for Tax	2,411	10,237
	G.Net Profit (Loss)	5,627	23,887	1,929
4	Ratios	At the end of this Quarter	At the end of Previous Quarter	At the end of Corresponding Previous Year Quarter
4.1	Capital Fund to RWA	13.62	14.10	11.94
4.2	Non Performing Loan(NPL) to Total Loan	1.67	1.65	1.56
4.3	Total Loan Loss Provision to Total NPL	184.90	186.95	197.55
4.4	Cost of Funds	12.91%	10.71%
4.5	Credit to Deposit Ratio(Calculated as Per NRB Directives)	72.69%	75.16%
	Note : If the statutory and supervisory authority notify any remarks to change, the unaudited financial
	Statement could be  changed accordingly.