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General Finance Limited (Bittiya Sanstha)

Chabahil, Kathmandu
Unaudited Financial Results ( Quarterly)
As at 3rd Quater (31/12/2065) of the Fiscal Yerar 2065/66
Rs. in' 000
S.N Particulars This Quarter Ending Pervious Corresponding Previous Year Quarter Ending
1 Total Capital and Liabilities (1.1 to 1.7) 735767 723466 598454
1.1 Paid Up Capital 37235 36200 24200
1.2 Reserve and Surplus 30120 28175 15319
1.3 Debenture and Bond      
1.4 Borrowings      
1.5 Deposits (a + b) 642539 634110 514626
  a. Domestic Currency      
  b. Foreign Currency      
1.6 Income Tax Liability      
1.7 Other Liabilites 25873 24981 44309
2 Total Assets (2.1 to 2.7) 735767 723466 598454
2.1 Cash and Bank Balance 62589 84926 88980
2.2 Money at Call and Short Notice      
2.3 Investments 20027 27 27
2.4 Loans and Advances 622691 625282 474910
2.5 Fixed Assets 3445 3242 2721
2.6 Non Banking Assets 1000 2587 2587
2.7 Othe Assets 26016 7404 29229
3 Profit and Loss Account Up to this Quater Up to Previous Quater Up to Corresponding Previous Year Quarter
3.1 Interest income 77107 46680 57050
3.2 Interest Expense 53997 39608 40561
  A. Net Interest income (3.1 - 3.2) 23110 7072 16489
3.3 Fees, Commission and Discount 440 347 349
3.4 Other Operatin Income 8239 4667 5256
3.5 Foreign Exchange Gain/ Loss (Net) - - -
  B. Total Operating Income (A+3.3+3.4+3.5) 31789 12087 22094
3.6 Staff Expenses 8169 6272 4903
3.7 Other Operating Expenses 7991 3870 5481
  C. Operating Profit Before Provision (B - 3.6 - 3.7) 15,629 1945 11710
3.8 Provision for Possible Losses 552 - -
  D. Operating Profit ( C - 3.8) 15077 1945 79
3.9 Non Operating Income/ Expenses (Net) - -  
3.10 Write Back of Provision for Possibl Loss 1707 - 3871
  E. Profit from Regular Activities ( D + 3.9 + 3.10) 16784 1945 15581
3.11 Extraordinary Income/ Expenses (Net) 1198 - -
  F. Profit before Bonus and Taxes (E + 3.11) 15586 1945 15581
3.12 Provision for Staff Bonus 1417 - 1558
3.13 Provision for Tax 4463 - 4417
  G. Net Profit/ Loss (F-3.12-3.13) 9706 1945 9606
4 Ratios This Quarter Ending Previous Quarter Corresponding Previous Year Quarter
4.1 Capital Fund to RWA 11.64 11.26 9.09
4.2 Non Performing Loan (NPL) To Total Loan 1.32 1.25 2.85
4.3 Total Loan Loss Provision to Total NPL 117.50 181.42 130.85
Paid up Capital Includes Rs 12,993 thousand as a advance for share capital
Loan Amount
Interest Rate %
Term (yrs)
Your EMI (Rs.)
Share Loan
Educational Loan
Hire/Purchase Loan

HeadOffice : Chabahil, Kathmandu | Phone: 4484754, 4484753 Fax no. 01-4484754
Brance Office : Pako Newroad, Kathmandu | Phone: 4258880, 4267024
Email: generalfinance@enet.com.np, info@generalfinance.com.np

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