आत्मनिर्भर लघुवित्तको पहिलो त्रैमासिक वित्तीय विवरण सार्वजनिक

Unaudited Financial Results (Quarterly)

As at 1st Quarter (31/06/2083) of the Fiscal Year 2083/084

Rs. In '000

S.No. Particulars Up to this Quarter Up to Previous Quarter Up to Corresponding Previous Year Quarter

1 Total Capital and Liabilities (1.1 to 1.7) 2275261.97 2182422.96 1830448.23

1.1 Paid up Capital 89507.20 89507.20 78343.28

1.2 Reserve and Surplus 252223.42 234850.93 239190.72

1.3 Debenture and Bond - - -

1.4 Borrowings 200000.00 150000.00 18913.15

1.5 Deposits (a+b) 1155222.84 1130676.89 1011598.20

a. Member	1155222.84	1130676.89	1011598.20
b. Public	-	-	-

1.6 Income Tax Liability 19296.07 16841.85 28704.21

1.7 Other Liabilities 559012.44 560546.09 453698.67

2 Total Assets (2.1 to 2.7) 2275261.97 2182422.96 1830448.23

2.1 Cash and Bank Balance 179255.60 121630.17 165925.12

2.2 Money at Call and Short Notice - - -

2.3 Investments - - -

2.4 Loans and Advances 1934738.62 1884550.81 1547806.87

2.5 Fixed Assets 4529.26 4492.46 4339.67

2.6 Non-Banking Assets - - -

2.7 Other Assets 156738.50 171749.52 112376.58

3 Profit and Loss Account Up to this Quarter Up to Previous Quarter Up to Corresponding Previous Year Quarter

3.1 Interest Income 69573.98 232898.68 54844.45

3.2 Interest Expense 22275.64 79239.09 19137.92

A. Net Interest Income (3.1 - 3.2) 47298.34 153659.59 35706.53

3.3 Fees, Commission and Discount - - -

3.4 Other Operating Income 5481.92 21447.54 3820.72

3.5 Foreign Exchange Gain/Loss (Net) - - -

B. Total Operating Income (A+3.3+3.4+3.5) 52780.25 175107.13 39527.24

3.6 Staff Expenses 16308.54 51803.53 14707.63

3.7 Other Operating Expenses 3340.53 15351.85 3421.32

C. Operating Profit Before Provision (B-3.6-3.7) 33131.19 107951.75 21398.30

3.8 Provision for Possible Losses 7590.20 56180.46 10296.06

D. Operating Profit (C - 3.8) 25540.99 51771.28 11102.24

3.9 Non-Operating Income/ Expenses (Net) - - -

3.10 Write Back of Provision for Possible Loss 8331.79 47275.59 7095.27

E. Profit from Regular Activities (D+3.9+3.10) 33872.78 99046.87 18197.52

3.11 Extraordinary Income/ Expenses (Net) - - -

F. Profit before Bonus and Taxes (E+3.11) 33872.78 99046.87 18197.52

3.12 Provision for Staff Bonus 3387.28 9904.69 1819.75

3.13 Provision for Tax 9145.65 26742.65 4913.33

G. Net Profit/ Loss (F-3.12-3.13) 21339.85 62399.53 11464.44

4 Ratios Up to this Quarter Up to Previous Quarter Up to Corresponding Previous Year Quarter

4.1 Capital Fund to RWA 16.33% 15.73% 18.58%

4.2 Non-Performing Loan (NPL) to Total Loan 10.51% 10.78% 12.83%

4.3 Total Loan Loss Provision to Total NPL 101.12% 100.48% 99.90%

4.4 Cost of Funds 6.78% 8.45% 7.42%

Note: The unaudited financial figures may change if directed by the Statutory Audit/Supervisory Authorities.