आत्मनिर्भर लघुवित्त वित्तीय संस्थाको चौथो त्रैमासिक वित्तीय विवरण - NEPSE Trading

निर्देशन फा.नं. घ ४.२

Aatmanirbhar Laghubitta Bittiya Sanstha Limited

Unaudited Financial Results (Quarterly)

As at 4th Quarter (32/03/2080) of the Fiscal Year 2079/080

Rs. In '000

S. N. 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) 2182422.96 2087975.56 1877469.51

1.1 Paid up Capital 89507.20 78343.28 78343.28

1.2 Reserve and Surplus 234850.93 233661.66 223139.01

1.3 Debenture and Bond - - -

1.4 Borrowings 150000.00 96900.70 99723.72

1.5 Deposits (a+b) 1130676.89 1090300.59 980097.19

a. Member	1130676.89	1090300.59	980097.19
b. Public	-	-	-

1.6 Income Tax Liability 16841.85 40422.00 55241.95

1.7 Other Liabilities 560546.09 548347.33 440924.36

2 Total Assets (2.1 to 2.7) 2182422.96 2087975.56 1877469.51

2.1 Cash and Bank Balance 121630.17 125087.38 185843.30

2.2 Money at Call and Short Notice - - -

2.3 Investments - - -

2.4 Loans and Advances 1884550.81 1784910.40 1553410.95

2.5 Fixed Assets 4492.46 5388.71 4262.67

2.6 Non-Banking Assets - - -

2.7 Other Assets 171749.52 172589.07 133952.60

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

3.1 Interest Income 232898.68 165665.49 215071.30

3.2 Interest Expense 79239.09 55832.79 79283.87

A. Net Interest Income (3.1 - 3.2) 153659.59 109832.70 135787.42

3.3 Fees, Commission and Discount - - -

3.4 Other Operating Income 21447.54 15591.10 16011.28

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

B. Total Operating Income (A+3.3+3.4+3.5) 175107.13 125423.80 151798.70

3.6 Staff Expenses 51803.53 37229.34 45495.40

3.7 Other Operating Expenses 15351.85 8980.54 16087.98

C. Operating Profit Before Provision (B-3.6-3.7) 107951.75 79213.92 90215.32

3.8 Provision for Possible Losses 56180.46 31566.57 40449.50

D. Operating Profit (C - 3.8) 51771.28 47647.35 49765.83

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

3.10 Write Back of Provision for Possible Loss 47275.59 29288.64 21205.46

E. Profit from Regular Activities (D+3.9+3.10) 99046.87 76935.99 70971.28

3.11 Extraordinary Income/ Expenses (Net) - - -

F. Profit before Bonus and Taxes (E+3.11) 99046.87 76935.99 70971.28

3.12 Provision for Staff Bonus 9904.69 7693.60 7097.13

3.13 Provision for Tax 26742.65 20772.72 19162.25

G. Net Profit/ Loss (F-3.12-3.13) 62399.53 48469.67 44711.90

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

4.1 Capital Fund to RWA 15.73% 15.77% 17.33%

4.2 Non-Performing Loan (NPL) to Total Loan 10.78% 11.17% 12.80%

4.3 Total Loan Loss Provision to Total NPL 100.48% 99.06% 97.57%

4.4 Cost of Funds 8.45% 6.83% 7.48%

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

Prepared by: Subir Chaudhary, IT Officer

Checked by: Nep Bahadur Chaudhary, Internal Auditor

Approved by: Himal Chaudhary, Finance Officer

Directive Form No. Gha 4.2