Nepal SBI Bank Ltd.
DISCLOSURE UNDER BASEL II
As at Mid October 2014 (1st quarter end of FY 2071/72)
1. CAPITAL STRUCTURE & CAPITAL ADEQUACY
(Amount in NPR Lacs)
i. Core Capital (Tier I)
S.No.
A
B
C
D
E
F
G
Particulars
Paid UP Equity Share Capital
Statutory General Reserve
Retained Earnings
Currrent Year Cumulative Profit
Capital Adjustment Reserve
Deferred Tax Reserve
Other Free Reserve (Debenture Redemption Reserve)
Total Core Capital (Tier I)
Amount
26,502.06
9,260.97
9,280.40
2,562.08
350.00
952.33
746.39
49,654.22
ii. Supplementary Capital (Tier II)
S.No.
A
B
C
D
Particulars
Subordinate Term Debt
General Loan Loss Provision
Investment Adjustment Reserve
Exchange Equalization Reserve
Total Supplementary Capital (Tier II)
Amount
10,000.00
3,757.76
5.15
122.12
13,885.03
iii. Information about Subordinate Term Debt
1.
12.50% Nepal SBI Bank Debentures 2078 of Rs.1,000 each (Unsecured) issued on
12.02.2012 and maturing on 11.02.2022; and
4,000.00
2.
8% Nepal SBI Bank Debentures 2079 of Rs.1,000 each (Unsecured) issued on
03.02.2013 and maturing on 03.02.2023.
4,000.00
3
7.90% Nepal SBI Bank Debentures 2079 of Rs.1,000 each (Unsecured) issued on
20.04.2014 and maturing on 19.04.2024.
2,000.00
Outstanding Amount
Amount raised during the period
Amount Eligible to be reckoned as Capital Fund
Outstanding Balance of Debenture Redemption Reserve fund
Interest Payment - Half Yearly
At the time of liquidation, right of claims will be only after depositors
Redeemable and Non-Convertible
10,000.00
10,000.00
746.39
iv. Deduction Form Capital
S.No. Particulars
A Investment arising out of underwriting comitments
Total Deduction
Amount
Nil
-
v. TOTAL QUALIFYING CAPITAL
Particulars
Total Core Capital (Tier I)
Total Supplementary Capital (Tier II)
Total Capital Fund (Tier I + Tier II)
Amount
49,654.22
13,885.03
63,539.26
vi. Capital Adequacy Ratio
Capital Adequacy Ratio
13.18%
2. RISK EXPOSURE
i. Risk Weighted Exposure for Credit Risk, Market Risk and Operational Risk
S.No.
A
B
C
D
E
Particulars
Risk Weighted Exposure for Credit Risk
Risk Weighted Exposure for Operational Risk
Risk Weighted Exposure for Market Risk
Add: 2% of the Gross Income as per NRB Direction
Add: 2% of the total RWE as per NRB Direction.
Total Risk Weighted Exposure
Amount
435,808.07
30,099.09
2,141.48
4,774.52
9,360.97
482,184.13
ii. Risk Weighted Exposure under each 11 Categories of Credit Risk
S.No.
1
2
3
4
5
6
7
8
9
10
11
Categories
Claims on Government and Central Bank
Claims on Other Official Entities
Claims on Banks
Claims on Corporate and Securities Entities
Claims on Regulatory Retail Portfolio
Claims Secured by Residential Properties
Claims Secured by Commercial Real Estate
Past Due Claims
High Risk Claims
Other Assets
Off Balance Sheet Items
Total
Amount
30,146.16
237,544.65
65,224.93
11,928.96
525.00
590.96
14,616.47
14,273.85
60,957.09
435,808.07
iii. Amount of Non Performing Assets (Gross and Net Amount)
S.No.
A
B
C
D
Particulars
Restructured
Sub-standard
Doubtful
Loss
Total
Gross Amount
269.76
61.00
93.86
453.73
878.35
Provision
269.76
15.25
46.93
453.73
785.67
Net Amount
0.00
45.75
46.93
92.68
iv. Non Performing Assets (NPA) Ratios
NPA Ratios
- Gross NPA to Gross Advances
- Net NPA to Net Advances
Percentage (%)
0.23%
0.02%
v. Movement of Non Performing Assets
S.No. Non Performing Loan
1
2
3
4
Restructured Loan
Sub-Standard
Doubtful
Loss
Opening Balance
Closing Balance
(Ashad End, 2071) (Ashwin End, 2071)
270.76
269.76
93.71
61.00
115.34
93.86
432.57
453.73
Increase/
(Decrease)
(1.00)
(32.71)
(21.48)
21.17
Opening Balance
(Ashad End, 2071)
3,562.30
270.76
23.43
57.67
432.57
4,346.72
Closing Balance
(Ashwin End, 2071)
3,757.76
269.76
15.25
46.93
453.73
4,543.43
Increase/
(Decrease)
195.46
(1.00)
(8.18)
(10.74)
21.17
196.71
Opening Balance
(Ashad End, 2071)
680.58
Closing Balance
(Ashwin End, 2071)
787.72
Increase/
(Decrease)
107.14
vi. Write Off Of Loans and Interest Suspense:
Nil
vii. Movement in Loan Loss Provison and Interest Suspense
a) Loan Loss Provision
S.No. Particulars
1
2
3
4
5
Pass
Restructure
Sub-Standard
Doubtful
Loss
Total Loan Loss Provision
b) Interest Suspense
S.No. Particulars
Interest Suspense
viii. Details of Additional Loan Loss Provision
S.No.
1
2
3
4
5
Particulars
Pass
Restructure
Sub-Standard
Doubtful
Loss
Total
Ashwin End 2071
195.46
15.25
46.93
71.75
329.39
ix. Segregation of the Bank's Investment portfolio
S.No.
1
2
3
Particulars
Held for Trading
Held to Maturity
Available for Sale
Total
Ashad End 2071
182,934.71
299.56
183,234.27

PLANNING D`ACCUEIL MARS 2015