Sanima Bank Limited (SANIMA)

Sanima Bank Limited (SANIMA) Annual Balance Sheet

Particulars2079207820772076207520742073
Cash and cash equivalent5,224,716,2464,771,140,4805,190,299,8454,636,422,4374,530,152,3342,948,780,102837,797,583
Due from Nepal Rastra Bank13,516,139,6176,053,731,2745,325,683,1352,781,194,4625,608,171,8485,265,301,6432,574,787,981
Placement with Bank and Financial Institutions371,162,7441,740,708,3972,827,086,670827,701,829649,156,510982,243,1772,994,663,379
Derivative financial instruments-16,016,11140,221,46185,066,888-17,734,52911,003,478
Other trading assets500,749,432224,408,989443,453,005484,421,811478,048,147406,239,58295,398,304
Loan and advances to B/FIs5,167,865,7084,094,023,6662,844,211,6782,020,420,3761,645,223,405603,938,195928,376,115
Loans and advances to customers136,518,037,930119,071,400,72490,850,351,39081,418,860,58067,598,133,76151,038,471,54039,738,413,130
Investment securities26,468,395,45520,922,507,35715,018,419,48613,611,190,0189,413,443,775429,154,1807,676,014,824
Current tax assets--4,201,081--17,139,73011,766,488
Investment in subsidiaries250,000,000250,000,000250,000,000250,000,000250,000,000110,000,000110,000,000
Investment in associates-------
Investment property72,932,294------
Property and equipment1,344,606,8081,196,388,5391,177,211,4961,150,520,679881,846,292713,080,633646,548,160
Goodwill and Intangible assets88,267,83048,082,94060,545,75070,319,34756,550,5393,315,4032,758,412
Deferred tax assets138,046,795-25,565,11014,774,57150,151,213--
Other assets2,850,171,8662,362,175,6912,253,731,0451,713,594,966661,074,779946,304,967501,028,043
Total Assets192,511,092,727160,750,584,166126,310,981,152109,064,487,96591,821,952,60369,481,703,68156,128,555,897
Due to Bank and Financial Institutions2,614,422,1384,920,874,2733,275,974,8373,694,458,4421,346,959,0392,103,519,3074,981,671,102
Due to Nepal Rastra Bank4,096,650,7753,651,303,83986,292,4881,018,919,629358,950,008611,009,1053,060,479,578
Derivative financial instruments52,394,722---18,851,134--
Deposits from customers157,518,535,239128,425,867,181107,250,202,68789,373,729,16277,849,380,05656,161,055,86041,664,487,644
Borrowing1,279,000,0001,787,250,000-----
Current Tax Liabilities35,222,08462,454,562-24,771,88166,294,857--
Provisions44,769,65931,374,63232,428,91727,174,44611,817,94343,355,93122,701,864
Deferred tax liabilities-42,066,575---30,923,34315,953,905
Other liabilities3,146,611,6982,134,263,7251,122,765,2891,211,174,3461,011,814,0651,013,927,072481,138,842
Debt securities issued6,812,316,0004,771,716,0001,724,712,0001,724,712,000370,000,000370,000,000370,000,000
Subordinated Liabilities-------
Total Liabilities175,599,922,316145,827,170,788113,492,376,21897,074,939,90581,034,067,10260,333,790,61950,596,432,936
Share capital11,327,377,3269,681,519,0828,801,380,9848,001,255,4408,001,255,4406,897,634,0004,022,031,700
Share premium-------
Retained earnings1,244,455,1201,737,199,6871,197,037,7331,751,506,6371,136,681,5381,280,242,935788,338,825
Reserves4,339,337,9653,504,694,6082,820,186,2172,236,785,9821,649,948,523970,036,128721,752,437
Total Equity16,911,170,41114,923,413,37812,818,604,93411,989,548,05910,787,885,5019,147,913,0635,532,122,961
Total Liabilities and Equity192,511,092,727160,750,584,166126,310,981,152109,064,487,96591,821,952,60369,481,703,68156,128,555,897

Sanima Bank Limited (SANIMA) Annual Income Statement

Particulars207920782077207620752074
Interest income14,850,216,91310,762,830,47711,469,725,22910,757,980,8318,107,978,8465,126,693,380
Interest expense10,198,454,2066,237,843,1567,280,030,9286,549,283,7175,092,454,6482,818,180,505
Net interest income4,651,762,7074,524,987,3214,189,694,3004,208,697,1143,015,524,1972,308,512,875
Fees and commission income995,913,637875,116,821698,255,710785,119,601706,389,342455,743,812
Fees and commission expense148,361,76369,381,18378,530,47473,254,19350,152,34832,044,769
Net fee and commission income847,551,875805,735,639619,725,237711,865,408656,236,994423,699,044
Net interest, fee and commission income5,499,314,5825,330,722,9604,809,419,5374,920,562,5223,671,761,1912,732,211,918
Net trading income377,678,967426,739,658420,657,825392,824,856298,410,710236,999,326
Other operating income152,708,33651,665,39059,729,78944,231,71538,961,66610,932,182
Total operating income6,029,701,8845,809,128,0085,289,807,1515,357,619,0934,009,133,5672,980,143,427
Impairment charge/(reversal) for loan and other losses554,394,612248,282,527797,024,603218,238,049.00239,217,543134,882,142
Net operating income5,475,307,2725,560,845,4814,492,782,5485,139,381,0433,769,916,0242,845,261,285
Personnel expense1,549,409,4621,439,196,7931,234,689,2741,259,767,735.00865,555,664558,087,735
Other operating expense625,429,672647,714,941572,705,791515,552,094383,730,300289,913,667
Depreciation & Amortisation345,906,947162,976,335155,534,569139,165,799.00105,455,44481,845,041
Operating Profit2,954,561,1903,310,957,4122,529,852,9143,224,895,4152,415,174,6161,915,414,843
Non operating income6,285,7381,320,8091,409,9622,087,168.00895,45841,207,401
Non operating expense12,035,8113,044,5401,520,4916,826,064734,365280,973
Profit before income tax2,948,811,1183,309,233,6812,529,742,3853,220,156,5192,415,335,7081,956,341,270
Current Tax1,011,150,518978,178,563751,726,953957,816,576774,250,990562,158,566
Deferred Tax-155,455,22913,233,5381,750,9084,272,437-56,418,50617,119,971
Profit for the period2,093,115,8282,317,821,5801,776,264,5242,258,067,5061,697,503,2241,377,062,733
Gains/(losses) from investments in equity instruments measured at fair value-54,665,494169,167,4988,916,694-2,691,832-8,163,038-
Gains/(losses) on revalution--
Actuarial gains/(losses) on defined benefit plans-27,528,31112,159,658-50,721,516106,372,514-74,023,798-7,168,440
Income tax relating to above items24,658,141-54,398,14712,541,447-31,104,20524,656,0512,150,532
Net other comprehsive income that will not be reclassified to profit or loss-57,535,663126,929,010-29,263,37672,576,477-57,530,785-5,017,908
Gains/(losses) on cash flow hedge------
Exchange gains/(losses) (arising from translating financial assets of foreign operation)------
Income tax relating to above items------
Net other comprehsive income that are or may be reclassified to profit or loss------
Other Comprehensive Income For The Period, Net Of Income Tax-57,535,663126,929,010-29,263,37672,576,477-57,530,785-5,017,908
Total Comprehensive Income For The Period2,035,580,1652,444,750,5891,747,001,1492,330,643,9831,639,972,4391,372,044,825

Sanima Bank Limited (SANIMA) Annual Cash Flow Statement

Particulars207920782077207620752074
CASH FLOW FROM OPERATING ACTIVITIES
Interest Received14,386,372,60510,577,098,06810,880,956,05410,481,920,3428,002,273,2514,797,928,723
Fees and other income received986,479,675876,691,561695,298,092789,276,131701,473,377342,010,425
Dividend received------
Receipts from other operating activities359,237,214468,944,503423,536,083415,482,631312,307,411301,979,944
Interest paid-10,183,144,438-6,207,150,881-7,285,999,579-6,350,195,161-5,092,440,963-2,834,569,936
Commission and fees paid-148,361,763-60,957,557-78,530,474-73,254,193-50,152,348-
Cash payment to employees-1,533,415,847-1,250,942,931-1,184,176,256-1,288,926,416-728,799,274-339,098,895
Other expense paid-583,202,989-637,458,232-560,732,861-506,799,351-383,765,844-340,193,986
Operating cash flows before changes in operating assets and liabilities3,283,964,4573,766,224,5312,890,351,0603,467,503,9832,760,895,6081,928,056,274
(Increase)/Decrease in operating assets
Due from Nepal Rastra Bank-7,462,408,343-728,048,140-2,544,488,6732,826,977,386-342,870,204-2,690,513,662
Placement with bank and financial institutions1,369,545,6521,086,378,274-1,999,384,842-178,545,318333,086,6671,812,420,202
Other trading assets-237,054,892194,958,97247,169,477-4,706,575-71,808,565
Loan and advances to bank and financial institutions-1,073,842,042-1,249,811,988-823,791,302-375,196,972-1,051,307,909
Loan and advances to customers-18,001,031,818-28,469,331,861-10,228,515,413-14,038,964,869-16,788,980,230-10,518,959,375
Other assets-146,182,552133,609,34778,486,903-826,149,945367,753,361-1,206,978,904
Increase/ (Decrease) in operating liabilites
Due to bank and financial institutions-2,306,452,1361,644,899,437-418,483,6052,347,499,402-756,560,268-221,460,000
Due to Nepal Rastra Bank445,346,9363,565,011,352-932,627,141659,969,622-252,059,097-2,449,470,473
Deposit from customers29,092,668,05821,175,664,49417,876,473,52611,524,349,10621,688,324,19611,358,662,524
Borrowings-508,250,0001,787,250,000----
Other Liabilities1,288,541,489803,713,853-134,033,674111,235,705-24,059,0931,185,088,209
Net cash flow from operating activities before tax paid5,744,844,8093,710,518,2703,811,156,3165,513,971,52420,655,645,7389,872,820,260
Income taxes paid-882,927,767-924,756,458-782,450,823-916,293,600780,552,184554,542,608
Net cash flow from operating activities (A)4,861,917,0432,785,761,8113,028,705,4934,597,677,9245,081,862,281-1,357,697,813
CASH FLOWS FROM INVESTING ACTIVITIES
Purchase of investment securities-5,874,490,354-5,904,087,871-1,407,229,468-4,197,746,243-3,095,055,409899,415,189
Receipts from sale of investment securities----
Purchase of property and equipment-524,839,688-194,378,425-187,834,785-415,830,648-274,221,103-140,692,611
Receipt from the sale of property and equipment30,714,47312,225,0475,609,39916,189,423
Purchase of intangible assets-40,184,89112,462,810--21,967,769-53,235,136
Receipt from the sale of intangible assets--9,773,597-
Purchase of investment properties----
Receipt from the sale of investment properties-72,932,294---
Interest received-----245,361,436
Dividend received138,150,27434,866,39952,060,82121,994,0204,208,4356,332,956
Net cash used in investing activities (B)-6,343,582,481-6,038,912,041-1,527,620,436-4,597,361,217-3,418,303,2131,010,416,970
CASH FLOWS FROM FINANCING ACTIVITIES
Receipt from issue of debt securities2,033,100,0003,041,604,000-1,354,712,000
Repayment of debt securities----
Receipt from issue of subordinated liabilities----
Repayment of subordinated liabilities----
Receipt from issue of shares----1,103,621,4402,160,162,000
Dividends paid-86,624,118-316,849,715-884,349,285-1,120,175,762
Interest paid----192,353,655
Other receipt/payment-11,234,677109,236,580-62,858,36463,770,813-2,284,042,862-1,185,808,276
Net cash from financing activities (C)1,935,241,2042,833,990,864-947,207,650105,953,397-82,186,8362,160,162,000
Net increase (decrease) in cash and cash equivalents453,575,766-419,159,365553,877,407106,270,1041,581,372,2321,812,881,157
Cash and cash equivalents at Shrawan 01 (beginning of the year)4,771,140,4805,190,299,8454,636,422,4374,530,152,3342,948,780,1021,128,456,564
Effect of exchange rate fluctuations on cash and cash equivalents held-----7,442,380
Cash and cash equivalents at Asar end (end of the year)5,224,716,2464,771,140,4805,190,299,8454,636,422,4374,530,152,3342,948,780,102