Unaudited Financial Results (Quarterly)
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Imperial Finance Limited |
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Thapathali, Kathmandu Tel : 4101518 |
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Unaudited Financial Results (2066 Asadh End) |
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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 |
2065 Chaitra End |
quarter ending |
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1 |
Total Capital and Liabilities (1.1 to 1.7) |
894,377.32 |
634,353.40 |
489,027.59 |
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1.1 |
Paid up Capital |
100,000.00 |
50,000.00 |
50,000.00 |
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1.2 |
Reserve and Surplus |
34,510.72 |
14,511.05 |
4,559.81 |
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1.3 |
Debenture and Bonds |
- |
- |
- |
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1.4 |
Borrowings |
- |
- |
20,000.00 |
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1.5 |
Deposits (a+b) |
620,361.28 |
525,576.62 |
377,317.14 |
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a. Domestic currency |
620,361.28 |
525,576.62 |
377,317.14 |
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b. Foreign currency |
- |
- |
- |
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1.6 |
Income tax liabilities |
- |
- |
- |
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1.7 |
Other Liabilities |
139,505.32 |
44,265.73 |
37,150.64 |
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2 |
Total Assets (2 to 2.7) |
894,377.32 |
634,353.40 |
489,027.59 |
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2.1 |
Cash and Bank Balance |
300,541.03 |
84,924.60 |
87,473.42 |
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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 |
558,317.54 |
505,941.41 |
374,121.29 |
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2.5 |
Fixed Assets |
23,628.66 |
24,039.48 |
18,114.44 |
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2.6 |
Non Banking Assets |
- |
- |
- |
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2.7 |
Other Assets |
11,890.10 |
19,447.91 |
9,318.44 |
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3 |
Profit and Loss Account |
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3.1 |
Interest Income |
61,464.44 |
45,673.74 |
73,422.19 |
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3.2 |
Interest Expenses |
43,610.80 |
30,975.63 |
50,331.24 |
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A. Net Interest Income(3.1- 3.2) |
17,853.64 |
14,698.12 |
23,090.95 |
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3.3 |
Fees, Commission and Discount |
14,386.92 |
4,367.67 |
447.40 |
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3.4 |
Other Operating Income |
5,078.58 |
3,015.18 |
5,510.88 |
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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) |
37,319.14 |
22,080.97 |
29,049.23 |
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3.6 |
Staff Expenses |
2,943.62 |
2,191.71 |
2,385.85 |
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3.7 |
Other Operating Expenses |
4,458.74 |
2,289.32 |
2,663.51 |
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C. Operating Profit Before Provision (B-3.6-3.7 ) |
29,916.78 |
17,599.93 |
23,999.87 |
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3.8 |
Provision for Possible Loss |
7,917.57 |
10,840.17 |
7,326.53 |
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D. Operating Profit (C-3.8) |
21,999.21 |
6,759.76 |
16,673.34 |
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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 ) |
21,999.21 |
6,759.76 |
16,673.34 |
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3.11 |
Extraordinary Income /Expenses (Net) |
- |
- |
- |
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F. Profit From Bonus and Taxes(E+3.11) |
21,999.21 |
6,759.76 |
16,673.34 |
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3.12 |
Provision for Staff Bonus |
1,999.55 |
- |
1,515.76 |
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3.13 |
Provision for Tax |
5,998.66 |
- |
4,774.64 |
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G. Net Profit /Loss (F-3.12-3.13) |
14,001.00 |
6,759.76 |
10,382.94 |
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4 |
Ratios |
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4.1 |
Capital Fund to RWA |
22.64% |
14.06% |
18.96% |
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4.2 |
Non Performing Loan (NPL) to Total Loan |
2.52% |
3.47% |
1.87% |
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4.3 |
Total Loan Loss Provision to Total NPL |
138.67% |
127.82% |
152.34% |
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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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