General Finance Limited (Bittiya Sanstha)
Chabahil, Kathmandu
Unaudited Financial Results ( Quarterly)
|
As at 4th Quarter
(32/03/2067) of the Fiscal Year 2066/67 |
Rs. in' 000
|
S.N. |
Particulars |
This
Quarter |
Pervious
Quarter |
Corresponding |
|
|
|
Ending |
Ending |
Previous
Year |
|
|
|
|
|
Quarter
Ending |
|
1 |
Total Capital
and Liabilities (1.1 to 1.7) |
786,553 |
797,930
|
732,418 |
|
1.1 |
Paid Up
Capital |
48,484 |
48,484
|
37,235 |
|
1.2 |
Reserve and
Surplus |
51,185 |
60,779
|
28,231 |
|
1.3 |
Debenture and
Bond |
|
|
|
|
1.4 |
Borrowings |
- |
|
18,000 |
|
1.5 |
Deposits(a+b) |
673,298 |
665,887
|
619,527 |
|
|
a.Domestic
Currency |
|
|
|
|
|
b.Foreign
Currency |
|
|
|
|
1.6 |
Income Tax
Liability |
|
5,653
|
|
|
1.7 |
Other
Liabilites |
13,586 |
17,127
|
29,425 |
|
2 |
Total Assets
(2.1 to2.7) |
786,553 |
797,930
|
732,418 |
|
2.1 |
Cash and Bank
Balance |
88,123 |
96,470
|
67,285 |
|
2.2 |
Money at Call
and Short Notice |
|
|
|
|
2.3 |
Investments |
15,095 |
95 |
20,095 |
|
2.4 |
Loans and
Advances |
672,364 |
679,182
|
614,932 |
|
|
a. Real Estate
Loan |
177,762 |
187,076
|
208,234 |
|
|
b.
Home/Housing Loan |
62,899 |
124,717
|
138,823 |
|
|
c. Margin Type
Loan |
16,767 |
19,428
|
27,233 |
|
|
d. Term Loan |
137,094 |
107,699
|
52,622 |
|
|
e. Overdraft
Loan/TR Loan/WC Loan |
233,069 |
196,051
|
161,636 |
|
|
f. Others |
44,773 |
44,211
|
26,385 |
|
2.5 |
Fixed Assets |
4,572 |
6,227
|
2,475 |
|
2.6 |
Non Banking
Assets |
- |
160
|
310 |
|
2.7 |
Other Assets |
6,399 |
15,796
|
27,321 |
|
3 |
Profit and
Loss Account |
Up to this |
Up to this |
Up to this |
|
|
|
Quater |
Quater |
Quarter |
|
3.1 |
Interest
income |
105,881 |
72,081
|
77,107 |
|
3.2 |
Interest
Expense |
68,937 |
49,778
|
53,997 |
|
|
A . Net
Interest income (3.1- 3.2) |
36,944 |
22,303
|
23,110 |
|
3.3 |
Fees,
Commission and Discount |
865 |
282
|
440 |
|
3.4 |
Other
Operating Income |
11,910 |
6,586
|
8,239 |
|
3.5 |
Foreign
Exchang Gain/Loss (Net) |
- |
-
|
|
|
|
B . Total
Operating Income (A+3.3+3.4+3.5) |
49,720 |
29,171
|
31,789 |
|
3.6 |
Staff Expenses |
6,809 |
5,258
|
8,169 |
|
3.7 |
Other
Operating Expenses |
10,905 |
6,293
|
7,991 |
|
|
C. Operating
Profit Before Provision (B-3. 6-3.7) |
32,007 |
17,620
|
15,629 |
|
3.8 |
Provision for
Possible Losses |
20,794 |
|
552 |
|
|
D . Operating
Profit (C-3.8 ) |
11,213 |
17,620
|
15,077 |
|
3.9 |
Non Operating
Income / Expenses (Net) |
378 |
378
|
-
|
|
3.10 |
Write Back of
Provision for Possibl Loss |
- |
2,732
|
1,707 |
|
|
E. Profit from
Regular Activities (D+3.9+3.10) |
11,591 |
20,730
|
16,784 |
|
3.11 |
Extraordinary
Income / Expenses (Net) |
- |
|
1,198 |
|
|
F . Profit
before Bonus and Taxes (E.+3.11) |
11,591 |
20,730
|
15,586 |
|
3.12 |
Provision for
Staff Bonus |
1,054 |
1,885
|
1,417 |
|
3.13 |
Provision for
Tax |
3,161 |
5,654
|
4,463 |
|
|
G . Net Profit
/ Loss (F-3.12-3.13) |
7,376 |
13,192
|
9,706 |
|
4 |
Ratios |
This
Quarter |
This
Quarter |
At the End
of |
|
|
|
Ending |
Ending |
this
Quarter |
|
4.1 |
Capital Fund
to RWA |
15.12 |
14.09
|
10.79 |
|
4.2 |
Non Performing
Loan (NPL) To Total Loan |
2.98 |
1.36
|
1.31 |
|
4.3 |
Total Loan
Loss Provision to Total NPL |
132.61 |
171.33
|
175.07 |
|
4.4 |
Cost of Funds |
10.24 |
9.97
|
8.72 |
|
4.5 |
Credit to
Deposit Ratio (alculated As per NRB
Directives) |
86.98 |
87.62
|
89.77 |
|
|
|
|
|
1 |
Proportion of
Real Estate Loan to Total Loan |
27.03 |
|
2 |
Proportion of
Home/Housing Loan to Total Loan |
9.16 |
|
3 |
Total
Proportion of Real Estate & Housing
to Total Loan |
36.19 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Paid up
Capital Includes Rs 11000.00
thousand as a advance for share
capital |
|
|
If the
satatutory and supervisory authority
notify any remarks to change, the
un-audited financial statement could
be changed accordingly. |
|
Paid up Capital Includes Rs 12,993 thousand as a advance for share capital
|
