A comparative financial review of Lumbini Bank has reported a substantial improvement in the last one year, stated a press release issued by the bank today. The release has attributed the improvement mostly to the revamping of its human resource policy by the bank's new management. The bank has reported a decline in Non Performing Assets (NPA) by more than half of last year at 21 percent. The release says that the bank's performing loans have increased by 80.64 percent while concentration risk has also been reduced. Similarly the bank's earnings from interest have gone up by 49 percent while other income has multiplied by a whopping 478 percent, the release states.