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Imperial Finance Limited |
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Thapathali, Kathmandu Tel : 4101518 |
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Unaudited Financial Results (2066 Poush)2nd Quarter |
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As on second Quarter (30/09/2064) of the Fiscal Year 2064/2065 |
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(Rs in '000') |
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S.N |
Particulars |
This |
Previous Quarter |
Corresponding |
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Quarter |
Ending |
previous year |
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ending |
2066 Aswin End |
quarter ending |
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1 |
Total Capital and Liabilities (1.1 to 1.7) |
830,612.48 |
871,694.55 |
665,643.04 |
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1.1 |
Paid up Capital |
89,900.00 |
100,000.00 |
50,000.00 |
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1.2 |
Reserve and Surplus |
38,206.93 |
26,734.01 |
14,511.05 |
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1.3 |
Debenture and Bonds |
- |
- |
- |
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1.4 |
Borrowings |
50,000.00 |
- |
- |
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1.5 |
Deposits (a+b) |
599,843.32 |
708,405.84 |
566,368.95 |
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a. Domestic currency |
599,843.32 |
708,405.84 |
566,368.95 |
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b. Foreign currency |
- |
- |
- |
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1.6 |
Income tax liabilities |
- |
- |
- |
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1.7 |
Other Liabilities |
52,662.23 |
36,554.70 |
34,763.04 |
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2 |
Total Assets (2 to 2.7) |
830,612.48 |
871,694.55 |
665,643.05 |
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2.1 |
Cash and Bank Balance |
169,100.48 |
248,759.26 |
141,676.85 |
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2.2 |
Money at call and Short notice |
- |
- |
- |
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2.3 |
Investments |
- |
- |
- |
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2.4 |
Loan and Advance |
618,218.69 |
592,004.38 |
483,229.94 |
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2.5 |
Fixed Assets |
25,647.02 |
23,628.66 |
23,548.34 |
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2.6 |
Non Banking Assets |
- |
- |
- |
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2.7 |
Other Assets |
17,646.29 |
7,302.25 |
17,187.92 |
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3 |
Profit and Loss Account |
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3.1 |
Interest Income |
35,973.38 |
15,201.84 |
26,537.63 |
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3.2 |
Interest Expenses |
29,538.16 |
14,762.41 |
20,003.60 |
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A. Net Interest Income(3.1- 3.2) |
6,435.22 |
439.43 |
6,534.03 |
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3.3 |
Fees, Commission and Discount |
3,180.78 |
1,665.51 |
387.90 |
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3.4 |
Other Operating Income |
6,409.69 |
4,445.70 |
2,264.98 |
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3.5 |
Foreign Exchange Gain/Loss (Net) |
- |
- |
- |
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B. Total Operating Income (A+3.3+3.4+3.5) |
16,025.69 |
6,550.64 |
9,186.91 |
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3.6 |
Staff Expenses |
1,675.24 |
771.89 |
1,474.07 |
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3.7 |
Other Operating Expenses |
1,571.26 |
574.04 |
1,799.56 |
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C. Operating Profit Before Provision (B-3.6-3.7 ) |
12,779.19 |
5,204.71 |
5,913.28 |
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3.8 |
Provision for Possible Loss |
6,286.31 |
490.83 |
2,640.82 |
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D. Operating Profit (C-3.8) |
6,492.88 |
4,713.88 |
3,272.46 |
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3.9 |
Non Operating Income/Expenses(Net) |
- |
- |
- |
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3.10 |
Write Back off Provision for Possible Loss |
- |
- |
- |
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E. Profit from Regular Activities (D+3.9+3.10 ) |
6,492.88 |
4,713.88 |
3,272.46 |
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3.11 |
Extraordinary Income /Expenses (Net) |
- |
- |
- |
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F. Profit before Bonus and Taxes(E+3.11) |
6,492.88 |
4,713.88 |
3,272.46 |
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3.12 |
Provision for Staff Bonus |
590.26 |
428.53 |
- |
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3.13 |
Provision for Tax |
1,770.79 |
1,285.61 |
- |
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G. Net Profit /Loss (F-3.12-3.13) |
4,131.83 |
2,999.74 |
3,272.46 |
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4 |
Ratios |
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4.1 |
Capital Fund to RWA |
19.68% |
20.11% |
13.62% |
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4.2 |
Non Performing Loan (NPL) to Total Loan |
3.22% |
1.96% |
1.97% |
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4.3 |
Total Loan Loss Provision to Total NPL |
129.66% |
172.04% |
149.93% |
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4.4 |
Cost of Fund |
9.39% |
0.00% |
0.00% |
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Interest Rate For Fixed Deposit Account |
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Interest Rate For Saving Deposit Acccont |
Fixed Account |
Quarterly |
Maturity |
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Normal Saving 6.75% Monthly Min. Balance |
3 to 9 month |
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6.75% |
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Special Saving 6.50% Daily balance |
One Year |
7.50% |
7.75% |
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Imperial Plus Saving 5.00% Daily balance |
Two Years |
7.75% |
8.00% |
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Special Plus Saving 7.00% Daily balance |
Three Years |
8.25% |
8.75% |
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Loan Interest Rate is 12.00% to 14.00% |
Four Years |
8.75% |
9.25% |
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Five Years |
9.00% |
9.50% |
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Above 5 Years |
Negotiable |
Negotiable |
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4,741,993.74 |
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9,497,118.79 |
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14,239,112.53 |
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483,229,942.82 |
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1.97 |
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149.93 |
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