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Quarterly Reports :: |
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News Item
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Butwal Finance Limited |
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UNAUDITED FINANCIAL RESULTS (QUARTERLY) |
|
As at 32nd Ashad 2068(4th Quarter of the Fiscal Year 2067/68) |
|
|
|
|
|
Rs. In '000 |
| S.N |
Particulars |
This Quarter |
Previous Quarter |
Corresponding Previous |
| Ending |
Ending |
Year Quarter Ending |
| 1 |
Total Capital & Liabilities |
1,992,924 |
2,113,439 |
1,729,651 |
| 1.1 |
Paid Up Capital |
208,993 |
206,783 |
114,667 |
| 1.2 |
Reserve and Surplus |
46,932 |
43,761 |
56,222 |
| 1.3 |
Debenture and Bond |
- |
- |
- |
| 1.4 |
Borrowings |
85,000 |
155,000 |
95,000 |
| 1.5 |
Deposits (a+b) |
1,574,910 |
1,633,417 |
1,395,165 |
| |
a) Domestic Currency |
1,574,910 |
1,633,417 |
1,395,165 |
| |
b) Foreign Currency |
- |
- |
- |
| 1.6 |
Income Tax Liabilities |
1,696 |
- |
721 |
| 1.7 |
Other Liabilities |
75,393 |
74,478 |
67,876 |
| 2 |
Total Assets |
1,992,924 |
2,113,439 |
1,729,651 |
| 2.1 |
Cash/Bank Balance |
72,722 |
503,400 |
62,514 |
| 2.2 |
Money at Call and Short Notice |
400,278 |
- |
392,782 |
| 2.3 |
Investments |
77,750 |
77,849 |
70,750 |
| 2.4 |
Loan and Advance |
1,336,550 |
1,362,081 |
1,138,931 |
| |
a) Real State Loan |
391,293 |
197,101 |
301,619 |
| |
1.Residential Real Estate Loan (Except personal |
252,595 |
91,036 |
243,075 |
| Home Loan upto 80 lacs) |
| |
2.Business Complex & Residential Apartment |
|
|
|
| Construction Loan |
| |
3.Income Generating Commercial Complex Loan |
|
|
|
| |
4.Other Real state Loan (Including Land Purchase |
138,698 |
106,065 |
58,544 |
| & Plotting |
| |
b) Personal Home Loan of Rs.80 Lacs or Less |
143,167 |
|
|
| |
c) Margin Type Loan |
42,801 |
47,610 |
41,251 |
| |
d) Term Loan |
485,629 |
595,496 |
395,403 |
| |
e) Overdraft Loan/TR Loan / WC Loan |
119,903 |
136,490 |
78,435 |
| |
f) Others |
153,757 |
385,384 |
322,223 |
| 2.5 |
Fixed Assets |
68,625 |
56,187 |
40,857 |
| 2.6 |
Non-Banking Assets |
- |
- |
- |
| 2.7 |
Other Assets |
36,999 |
113,922 |
23,817 |
| 3 |
Profit and Loss Account |
Up to this |
Up to previous |
Up to Corresponding previous Year Quarter |
| Quarter |
Quarter |
| 3.1 |
Interest Income |
253,454 |
173,186 |
183,249 |
| 3.2 |
Interest Expenses |
186,515 |
132,264 |
121,624 |
| |
A.Net Interest Income |
66,939 |
40,922 |
61,625 |
| 3.3 |
Fees, Commision and Discount |
2,986 |
2,285 |
3,750 |
| 3.4 |
Other Operating Income |
15,711 |
12,128 |
13,590 |
| 3.5 |
Foreign Exchange Gain/Loss |
- |
- |
- |
| |
B.Total Operating Income |
85,636 |
55,335 |
78,965 |
| 3.6 |
Staff Expenses |
19,388 |
13,672 |
15,380 |
| 3.7 |
Other Operating Expenses |
31,879 |
16,874 |
22,524 |
| |
C.Operating Profit Before Provision |
34,369 |
24,789 |
41,061 |
| 3.8 |
Provision for Possible Losses |
7,368 |
3,381 |
4,015 |
| |
D.Operating Profit |
27,001 |
21,408 |
37,046 |
| 3.9 |
Non-Operating Income / Expenses (Net) |
626 |
- |
21 |
| 3.1 |
Write Back of Provision for Possible Losses |
- |
- |
729 |
| |
E.Profit From Regular Activities |
27,627 |
21,408 |
37,796 |
| 3.11 |
Extra Ordinary Income/Expenses (Net) |
68 |
0 |
-260 |
| |
F.Profit Before Bonus and Taxes |
27,695 |
21,408 |
37,536 |
| 3.12 |
Provision for Staff Bonus |
2,518 |
1,946 |
3,412 |
| 3.13 |
Provision for Tax |
8,627 |
5,839 |
10,237 |
| |
G.Net Profit (Loss) |
16,550 |
13,623 |
23,887 |
| 4 |
Ratios |
At the end of this Quarter |
At the end of Previous Quarter |
At the end of Corresponding Previous Year Quarter |
| 4.1 |
Capital Fund to RWA |
17.48 |
16.23 |
14.1 |
| 4.2 |
Non Performing Loan(NPL) to Total Loan |
2.18 |
1.46 |
1.65 |
| 4.3 |
Total Loan Loss Provision to Total NPL |
144.83 |
193.16 |
186.95 |
| 4.4 |
Cost of Funds |
14.40% |
12.14% |
10.71% |
| 4.5 |
Credit to Deposit Ratio(Calculated as Per NRB Directives) |
75.46% |
74.51% |
75.16% |
| |
Note : If the statutory and supervisory authority notify any remarks to change, the unaudited financial |
| |
Statement could be changed accordingly. |
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Butwal Finance Limited |
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UNAUDITED FINANCIAL RESULTS (QUARTERLY) |
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As at 30th Chaitra 2067(3rd Quarter of the Fiscal Year 2067/68) |
| |
|
|
|
Rs. In '000 |
| S.N |
Particulars |
This Quarter Ending |
Previous Quarter Ending |
Corresponding Previous Year Quarter Ending |
| 1 |
Total Capital & Liabilities |
2,113,439 |
1,855,272 |
1,590,803 |
| 1.1 |
Paid Up Capital |
206,783 |
139,487 |
82,736 |
| 1.2 |
Reserve and Surplus |
43,761 |
43,452 |
68,107 |
| 1.3 |
Debenture and Bond |
- |
- |
|
| 1.4 |
Borrowings |
155,000 |
87,000 |
118,750 |
| 1.5 |
Deposits (a+b) |
1,633,417 |
1,462,558 |
1,218,463 |
| |
a) Domestic Currency |
1,633,417 |
1,462,558 |
1,218,463 |
| |
b) Foreign Currency |
- |
- |
|
| 1.6 |
Income Tax Liabilities |
- |
496 |
2,397 |
| 1.7 |
Other Liabilities |
74,478 |
122,279 |
100,350 |
| 2 |
Total Assets |
2,113,439 |
1,855,272 |
1,590,803 |
| 2.1 |
Cash/Bank Balance |
503,400 |
401,413 |
350,673 |
| 2.2 |
Money at Call and Short Notice |
- |
- |
|
| 2.3 |
Investments |
77,849 |
77,849 |
70,750 |
| 2.4 |
Loan and Advance |
1,362,081 |
1,289,265 |
1,098,153 |
| |
a) Real State Loan |
197,101 |
211,262 |
512,987 |
| |
1.Residential Real Estate Loan |
91,036 |
61,891 |
440,184 |
| |
2.Business Complex & Residential Apartment Construction Loan |
|
|
|
| |
3.Income Generating Commercial Complex Loan |
|
|
|
| |
4.Other Real state Loan (Including Land Purchase & Plotting |
106,065 |
149,371 |
72,803 |
| |
b) Margin Type Loan |
47,610 |
45,135 |
35,069 |
| |
c) Term Loan |
595,496 |
559,577 |
279,465 |
| |
d) Overdraft Loan/TR Loan / WC Loan |
136,490 |
116,563 |
38,889 |
| |
e) Others |
385,384 |
356,728 |
231,743 |
| 2.5 |
Fixed Assets |
56,187 |
46,987 |
39,962 |
| 2.6 |
Non-Banking Assets |
- |
- |
285 |
| 2.7 |
Other Assets |
113,922 |
39,758 |
30,980 |
| 3 |
Profit and Loss Account |
Up to this Quarter |
Up to previous Quarter |
Up to Corresponding previous Year Quarter |
| 3.1 |
Interest Income |
173,186 |
118,614 |
127,342 |
| 3.2 |
Interest Expenses |
132,264 |
85,187 |
83,297 |
| |
A.Net Interest Income |
40,922 |
33,427 |
44,045 |
| 3.3 |
Fees, Commision and Discount |
2,285 |
1,347 |
2,434 |
| 3.4 |
Other Operating Income |
12,128 |
8,018 |
9,565 |
| 3.5 |
Foreign Exchange Gain/Loss |
- |
- |
- |
| |
B.Total Operating Income |
55,335 |
42,792 |
56,044 |
| 3.6 |
Staff Expenses |
13,672 |
9,254 |
10,847 |
| 3.7 |
Other Operating Expenses |
16,874 |
10,343 |
11,379 |
| |
C.Operating Profit Before Provision |
24,789 |
23,195 |
33,818 |
| 3.8 |
Provision for Possible Losses |
3,381 |
2,273 |
2,075 |
| |
D.Operating Profit |
21,408 |
20,922 |
31,743 |
| 3.9 |
Non-Operating Income / Expenses (Net) |
- |
- |
171 |
| 3.10 |
Write Back of Provision for Possible Losses |
- |
- |
729 |
| |
E.Profit From Regular Activities |
21,408 |
20,922 |
32,643 |
| 3.11 |
Extra Ordinary Income/Expenses (Net) |
0 |
0 |
- |
| |
F.Profit Before Bonus and Taxes |
21,408 |
20,922 |
32,643 |
| 3.12 |
Provision for Staff Bonus |
1,946 |
1,902 |
2,968 |
| 3.13 |
Provision for Tax |
5,839 |
5,706 |
8,903 |
| |
G.Net Profit (Loss) |
13,623 |
13,314 |
20,772 |
| 4 |
Ratios |
At the end of this Quarter |
At the end of Previous Quarter |
At the end of Corresponding Previous Year Quarter |
| 4.1 |
Capital Fund to RWA |
16.23 |
13.59 |
13.25 |
| 4.2 |
Non Performing Loan(NPL) to Total Loan |
1.46 |
1.52 |
1.56 |
| 4.3 |
Total Loan Loss Provision to Total NPL |
193.16 |
191.24 |
196.10 |
| 4.4 |
Cost of Funds |
12.14% |
13.52% |
10.52% |
| 4.5 |
Credit to Deposit Ratio(Calculated as Per NRB Directives) |
|
80.83% |
82.78% |
| |
Note : If the statutory and supervisory authority notify any remarks to change, the unaudited financial |
| |
Statement could be changed accordingly. |
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Butwal Finance Limited |
|
UNAUDITED FINANCIAL RESULTS (QUARTERLY) |
|
As at 30th Poush 2067(2nd Quarter of the Fiscal Year 2067/68) |
| |
|
|
|
Rs. In '000 |
| S.N |
Particulars |
This Quarter Ending |
Previous Quarter Ending |
Corresponding Previous Year Quarter Ending |
| 1 |
Total Capital & Liabilities |
1,855,272 |
1,856,991 |
1,551,633 |
| 1.1 |
Paid Up Capital |
139,487 |
114,667 |
97,736 |
| 1.2 |
Reserve and Surplus |
43,452 |
75,566 |
46,489 |
| 1.3 |
Debenture and Bond |
- |
- |
|
| 1.4 |
Borrowings |
87,000 |
60,000 |
80,000 |
| 1.5 |
Deposits (a+b) |
1,462,558 |
1,511,491 |
1,260,769 |
| |
a) Domestic Currency |
1,462,558 |
1,511,491 |
1,260,769 |
| |
b) Foreign Currency |
- |
- |
|
| 1.6 |
Income Tax Liabilities |
496 |
2,411 |
2,561 |
| 1.7 |
Other Liabilities |
122,279 |
92,856 |
64,078 |
| 2 |
Total Assets |
1,855,272 |
1,856,991 |
1,551,633 |
| 2.1 |
Cash/Bank Balance |
401,413 |
480,856 |
293,318 |
| 2.2 |
Money at Call and Short Notice |
- |
- |
|
| 2.3 |
Investments |
77,849 |
70,850 |
70,750 |
| 2.4 |
Loan and Advance |
1,289,265 |
1,187,498 |
1,117,469 |
| |
a) Real State Loan |
211,262 |
245,077 |
608,264 |
| |
1.Residential Real Estate Loan |
61,891 |
79,823 |
527,951 |
| |
2.Business Complex & Residential Apartment Construction Loan |
|
|
|
| |
3.Income Generating Commercial Complex Loan |
|
|
|
| |
4.Other Real state Loan (Including Land Purchase & Plotting |
149,371 |
165,254 |
80,313 |
| |
b) Margin Type Loan |
45,135 |
45,182 |
30,375 |
| |
c) Term Loan |
559,577 |
466,370 |
234,182 |
| |
d) Overdraft Loan/TR Loan / WC Loan |
116,563 |
88,095 |
32,080 |
| |
e) Others |
356,728 |
342,774 |
212,568 |
| 2.5 |
Fixed Assets |
46,987 |
46,240 |
39,207 |
| 2.6 |
Non-Banking Assets |
- |
- |
1,075 |
| 2.7 |
Other Assets |
39,758 |
71,547 |
29,814 |
| 3 |
Profit and Loss Account |
Up to this Quarter |
Up to previous Quarter |
Up to Corresponding previous Year Quarter |
| 3.1 |
Interest Income |
118,614 |
56,510 |
83,957 |
| 3.2 |
Interest Expenses |
85,187 |
41,396 |
54,740 |
| |
A.Net Interest Income |
33,427 |
15,114 |
29,217 |
| 3.3 |
Fees, Commision and Discount |
1,347 |
684 |
1,722 |
| 3.4 |
Other Operating Income |
8,018 |
3,904 |
7,178 |
| 3.5 |
Foreign Exchange Gain/Loss |
- |
- |
- |
| |
B.Total Operating Income |
42,792 |
19,702 |
38,117 |
| 3.6 |
Staff Expenses |
9,254 |
4,848 |
7,353 |
| 3.7 |
Other Operating Expenses |
10,343 |
4,475 |
7,440 |
| |
C.Operating Profit Before Provision |
23,195 |
10,379 |
23,324 |
| 3.8 |
Provision for Possible Losses |
2,273 |
1,537 |
1,832 |
| |
D.Operating Profit |
20,922 |
8,842 |
21,492 |
| 3.9 |
Non-Operating Income / Expenses (Net) |
- |
- |
21 |
| 3.10 |
Write Back of Provision for Possible Losses |
- |
- |
729 |
| |
E.Profit From Regular Activities |
20,922 |
8,842 |
22,242 |
| 3.11 |
Extra Ordinary Income/Expenses (Net) |
0 |
0 |
- |
| |
F.Profit Before Bonus and Taxes |
20,922 |
8,842 |
22,242 |
| 3.12 |
Provision for Staff Bonus |
1,902 |
804 |
2,022 |
| 3.13 |
Provision for Tax |
5,706 |
2,411 |
6,066 |
| |
G.Net Profit (Loss) |
13,314 |
5,627 |
14,154 |
| 4 |
Ratios |
At the end of this Quarter |
At the end of Previous Quarter |
At the end of Corresponding Previous Year Quarter |
| 4.1 |
Capital Fund to RWA |
13.59 |
13.62 |
12.64 |
| 4.2 |
Non Performing Loan(NPL) to Total Loan |
1.52 |
1.67 |
1.49 |
| 4.3 |
Total Loan Loss Provision to Total NPL |
191.24 |
184.90 |
199.68 |
| 4.4 |
Cost of Funds |
13.52% |
12.91% |
10.37% |
| 4.5 |
Credit to Deposit Ratio(Calculated as Per NRB Directives) |
80.83% |
72.69% |
|
| |
Note : If the statutory and supervisory authority notify any remarks to change, the unaudited financial |
| |
Statement could be changed accordingly. |
|
|
| |
|
|
|
Butwal Finance Limited |
|
UNAUDITED FINANCIAL RESULTS (QUARTERLY) |
|
As at 31st Aswin 2067(1st Quarter of the Fiscal Year 2067/68) |
| |
|
|
|
Rs. In '000 |
| S.N |
Particulars |
This Quarter Ending |
Previous Quarter Ending |
Corresponding Previous Year Quarter Ending |
| 1 |
Total Capital & Liabilities |
1,856,991 |
1,729,651 |
1,605,261 |
| 1.1 |
Paid Up Capital |
114,667 |
114,667 |
97,736 |
| 1.2 |
Reserve and Surplus |
75,566 |
56,222 |
43,275 |
| 1.3 |
Debenture and Bond |
- |
- |
|
| 1.4 |
Borrowings |
60,000 |
95,000 |
150,000 |
| 1.5 |
Deposits (a+b) |
1,511,491 |
1,395,165 |
1,224,102 |
| |
a) Domestic Currency |
1,511,491 |
1,395,165 |
1,224,102 |
| |
b) Foreign Currency |
- |
- |
|
| 1.6 |
Income Tax Liabilities |
2,411 |
721 |
|
| 1.7 |
Other Liabilities |
92,856 |
67,876 |
90,148 |
| 2 |
Total Assets |
1,856,991 |
1,729,651 |
1,605,261 |
| 2.1 |
Cash/Bank Balance |
480,856 |
62,514 |
391,983 |
| 2.2 |
Money at Call and Short Notice |
- |
392,782 |
|
| 2.3 |
Investments |
70,850 |
70,750 |
85,650 |
| 2.4 |
Loan and Advance |
1,187,498 |
1,138,931 |
1,045,288 |
| |
a) Real State Loan |
245,077 |
243,075 |
|
| |
1.Residential Real Estate Loan |
79,823 |
|
|
| |
2.Business Complex & Residential Apartment Construction Loan |
|
|
|
| |
3.Income Generating Commercial Complex Loan |
|
|
|
| |
4.Other Real state Loan (Including Land Purchase & Plotting |
165,254 |
58,544 |
|
| |
b) Margin Type Loan |
45,182 |
41,251 |
|
| |
c) Term Loan |
466,370 |
395,403 |
|
| |
d) Overdraft Loan/TR Loan / WC Loan |
88,095 |
78,435 |
|
| |
e) Others |
342,774 |
322,223 |
|
| 2.5 |
Fixed Assets |
46,240 |
40,857 |
33,836 |
| 2.6 |
Non-Banking Assets |
- |
- |
1,962 |
| 2.7 |
Other Assets |
71,547 |
23,817 |
46,542 |
| 3 |
Profit and Loss Account |
Up to this Quarter |
Up to previous Quarter |
Up to Corresponding previous Year Quarter |
| 3.1 |
Interest Income |
56,510 |
183,249 |
29,435 |
| 3.2 |
Interest Expenses |
41,396 |
121,624 |
23,604 |
| |
A.Net Interest Income |
15,114 |
61,625 |
5,831 |
| 3.3 |
Fees, Commision and Discount |
684 |
3,750 |
732 |
| 3.4 |
Other Operating Income |
3,904 |
13,590 |
3,441 |
| 3.5 |
Foreign Exchange Gain/Loss |
- |
- |
- |
| |
B.Total Operating Income |
19,702 |
78,965 |
10,004 |
| 3.6 |
Staff Expenses |
4,848 |
15,380 |
4,002 |
| 3.7 |
Other Operating Expenses |
4,475 |
22,524 |
3,342 |
| |
C.Operating Profit Before Provision |
10,379 |
41,061 |
2,660 |
| 3.8 |
Provision for Possible Losses |
1,537 |
4,015 |
731 |
| |
D.Operating Profit |
8,842 |
37,046 |
1,929 |
| 3.9 |
Non-Operating Income / Expenses (Net) |
- |
21 |
- |
| 3.10 |
Write Back of Provision for Possible Losses |
- |
729 |
- |
| |
E.Profit From Regular Activities |
8,842 |
37,796 |
1,929 |
| 3.11 |
Extra Ordinary Income/Expenses (Net) |
0 |
(260) |
- |
| |
F.Profit Before Bonus and Taxes |
8,842 |
37,536 |
1,929 |
| 3.12 |
Provision for Staff Bonus |
804 |
3,412 |
|
| 3.13 |
Provision for Tax |
2,411 |
10,237 |
|
| |
G.Net Profit (Loss) |
5,627 |
23,887 |
1,929 |
| 4 |
Ratios |
At the end of this Quarter |
At the end of Previous Quarter |
At the end of Corresponding Previous Year Quarter |
| 4.1 |
Capital Fund to RWA |
13.62 |
14.10 |
11.94 |
| 4.2 |
Non Performing Loan(NPL) to Total Loan |
1.67 |
1.65 |
1.56 |
| 4.3 |
Total Loan Loss Provision to Total NPL |
184.90 |
186.95 |
197.55 |
| 4.4 |
Cost of Funds |
12.91% |
10.71% |
|
| 4.5 |
Credit to Deposit Ratio(Calculated as Per NRB Directives) |
72.69% |
75.16% |
|
| |
Note : If the statutory and supervisory authority notify any remarks to change, the unaudited financial |
| |
Statement could be changed accordingly. |
|
|
| |
|
|
|
|