On the basis of following transactions of Jamuna Bank Ltd, Calculate how much profit/Loss Bank has been able to carry forward to the next month December 2020. On the month of November jamuna bank Ltd Borrowed tk. 10 crore form AB Bank Ltd and has to pay Tk. 3900 as monthly interest. Bank Maintains deposit of tk. 1000000 with BB and receives Tk. 2500 as interest per month. Bank pays around Tk. 2500 interest to their deposit holders. Whereas bank has to pay Tk. 700 Interest for the amount they borrowed from BB. Bank earns Tk. 6560 as Profit on exchange transactions, 600 as Other Interest income, Tk 5000 as miscellaneous income. Bank disbursed tk. 8500 as overdraft and earns Tk. 4500 as interest on overdraft. Bank also earns Tk.780 as interest on term loans. Bank maintains 12% as provision for loan loss.

Calculate net interest margin after provision.