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g,tituroRy AUDIr,:n
REPORT 2015-16, ,;
filrltil,+ tr$D E NTIAL
Nerude Laghubitta Bikas Bank Limited
AUDIT REPORT
&
Ffinancial Statement for the Fiscal Year 2072-73t
S*LliJxnl* tted by: 1q !-anarai & Co.
llnqrt;e red Accountants
vr ::-a,!,og Marg, Anamnagar
'-r--:-ru. Nepal
r'*':r''* 317 -1 -4245860
:,rEf:: " : "r a [email protected]
\il-!.(E.* -,a: O7 )01 6
194 Sahayog Marg, Anam Nagar
N BhOtt Of Oi & CO.d Gpo Box 5236
chortered Accountonts .-.,:,'";f,,. X;HIH#i1r-5860, [email protected]
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Name Share Nos Paid Rs.
llenal Rural Develof r"nt Society Centr 45,000 25\ 4,500,000
BiratLaxmi Bank Limited 315,000 !7.5 3L,500,000Ganesh Pd. Acharya 72,000 4 7,200,000Dhyan Bahadur Rai 45,000 2.5 4,500,000
4,500,000Silu Karki
Mani Kumar Arjyal45,000 2.5
36,000 2 3,600,000
2,700,000Dr.Bhesh Prasad Dhamala
Bubaneshwor fUandel
restriu r<ifre
27,000 1.5
27,000 1.5 2,700,00027,O00 L.5 2,700,000
Mina Nepal 27,O00 1.5 2,700,000lShankar Bahadur KarkiI
27,000 1.5 2,700,000
z,zoo,ooo lsurendra KaJ tshattarai 27,000 1.5Babu Ram Baral 18,000 1 1,800,000Chandra Mani Neupale
Junu Sharma
1-8,000 1.
1.
1.
t
1,900,000
1.,900,000
1,8001000 I
1,900,000 |
L,8g!,000 |
1,800,000 I
900,000 |
18,000Krishna Prasad Khanal 18,000Pramila Pokhrel 1g,000Rupesh Kumar Pokhrel
Dr.Sujan Rijal
18,000 1
18,000 1.
ShymaKumari TharuNabilBalance Fund
9,000 0.5
L5,746 1..21, 1,514,600 |
870,146 71.2t 87,014,600
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Unaudited
It6 Bikas.Bank Limitedr-.n .1 1
o,f3,,IinatnatdrUnaudited l'l
4s at {th Quarter (l'n'aprial Results (Quarterly)y07l?0 I6) of the. Fiscal Year 20t5/2016
j:
{"*. \.*--r' -{*e#=*Fie ,$, {" ,
Rs.in 000'
S.N" Particulars This QuarterEnding
''f plffiio,. ,
Qru.i". nna$8
CorrespondingPrevious Year
Ouarter Endins1 Total Capital and liabilities (l.l to i.7) 4,135,183.I6 3,949,8E9:90 2,011,o24.86
1.1 Paid up capital 1,800,000.00 1,800,000.00 I 25,000.00
1.2 Reserve and surplus 198,797.91 I 58,893.68 185,609. l61"3 Debentures and tsonds
1.4 Borrowings 1,008,400.42 94 1,710.88 825.2 I3.01
1.5 Deposit (a+b) 810,895.24 749,903.45 652,271.ss
a.Domestic curency 8 I 0,895.24 749,903.45 65) )7.1 Si
b.Foreign cuffency
1.6 Income Tax Liability 382.52
I Other liabilities 3 17,089.59 298,999.31 222,928.13Total Assets (2.1 to 2,7) 2,s15,183.17 2,329,8E9.89 2,011,021.86
2.1 Cash and Bank Balance 272.439.t3 275,',713.96 249,947 .682.2 Money at call and short notice
2.3 Investments 10,3 19.60 I 0,3 I 9.60 10,319 602.4 Loans and Advances (a+b+c+d+e+f) 2,131,501.27 1,941,321.30 1,651,562.59
e.Real Esiate Loan
b.Horne/Housing Loan
;.Margin Type Loan
l.Term Loan
e.Deprive Sector Loan
f. Others 2,131,501 .27 1,94 r,324.30 1,65 1,562.592.5 F'ixed Assets 23,456.35 24.914.83 22,389.542.6 Non Banking Assets
2.7 Others Assets 77 .466.82 11,611 .20 76,805.45
3 Profit and Loss Account Up to This
QuartcrPrevious
Quarter Ending
CorrespondingPrevious Year
Ouarter Endins3.1 Interest Income 360,763.93 258,034.80 320,794.043.2 Interest Expenses I 13,692.78 8 1,80 L04 86,142.t7
A.Net Interest Income (3.1-3.2) 241,071.ls 176,233.76 234.651,87J. Fees,Commission and Discount 906.27 616.73 776.203.4 Other Operating Income 49,392.91 32,457.87 33,382.623.5 Foreign Exchange Gain/Loss (Net)
B.Total Operating Income (A.+3.3+3.4+3.5) 291,370.39 209,308.36 268,81 0.693.6 StafTExpenses 132,075. t9 99,200.45 107,199.753.7 Other Operating Expenses 28,054.1 8 t'7,489.78 20,693.60
C.Operating Profit Before Provision (8.-3.6-3.7) t3'1,241.02 92,6r8.13 140,917.343.8 Provision for Possible Losses 12,244.91 7 5)6 )S q 7gq r5
D. 0perating Profit (C.-3.8) 124,996.11 85,091.88 t.3l,618.193.9 Non Operating lncome/Expenses(Net)
3.10 Write Back of Provision fbr possible loss
D.Profit from Regular Activities (D"+3.9+3.10) 121,996.11 85,091.88 131,61 8.193.1 1 Extraordinary Income/Expenses(Net)
F.Profit before iSonus and TaieslE.+iiiJ 121,996.11 8s,091.88 1 3 1,61 E.1 9
3.12 Provision for Staff Bonus I 1,363.28 7,135.63 11,96s.293.13 Provision for Tax 34,089.85 23,206.88 35,895.87
G.Nct Profi t/Loss (F.-3.12-3.13) 79,542.98 54,149.38 83,757.03
4 Ratios At the End ofThis Quarter
At the End ofprevious
Ouarter
CorrespondingPrevious Year
Ouarter Endins4.1 Capital Fund ro RWA 11 130/0 t'7.30% I 8.s4%4.2 Non Performing Loan (NPL)To Total Loan 1.09yo t.l5% t.08%4.J Total Loan Loss Provision to Total \?L 173.7 10/o 173.440/o 186.62%4.4 Cost ofFund 6.95% 6.96% 6.23%
ljl Credit to Deposit Ratio(calculate as per \RB directives) 262.86% 258.88% 253.20%
x 6I)l
Nerude Laghubitta Bikas Bank Limited/.Bhahu Tole, Bir:atnagar
of FN 207212073
Wfq Y.t!$t\\,8-s-\#
NRs.in 000
S.N, PaiticularsAs per Unaudited
FinancialSt^tcmanf
As pehA.irfijlfrl.FinancialSfAtemcnt
Yarianaon {Amou4|,i.
Variance in:/Percentage Reasons for Variance
1 Total Capital and liabilities (1.1 to 1.7) 4,13s,1 83.16 2,42s,842.42 s9s.d4a:4e t|.73
1l Paid up capital I,800,000.00 2 1 6,000.00 1,584,000.00 ,{fuodI d7o Donus shares has been ptoposed andincluded as per the fomat of NRB
I) Reserve and surplus 198,'797 .91 118,811.37 79,986.54 40.24
rr upuscu oonus snares, proposeo dt\ ldend,staffbonus provislon and income tarprovision not apportioned from reserve andsurplus.
13 Debenture and Bond
1.4 Borrowings 1,008,400.42 1,008,451.75 (sl 33 (0.011.5 feposit (a+b) 810,895.24 8 1 0.895.24 (0 00 (0 00
a.Domestic currency 8 I 0,895.24 (8 l 0.895 24 #DIV/OIb.Foreign currency
I Income Tax Liability
I Cther liabilities 3 I 7,089.59 271.684.06 45,405.53 14.32
Loan toss provlslon reserve, tnterestsuspense and staff welfare t'und included andproposed dividenrl and sraff bonus pror rsionnot provisloned in other liabilities
., Iotal Assets (2.1 to 2.7) 2,515,183.17 2,425,842,42 89,340.75 3.552.1 3ash and Bank Balance 272,439.13 272,439.13 (0.00' (0.002.2 Money at call and short notice
lnvestments I 0,31 9 60 t0,319 60
Loans and Advances 2,131,501.27 2,091 ,05 8.0 I 40.443 26 1.90
Loan ano aOvances ls shown as gross
wrthout deducting loan loss pror rsion25 Fixed Assets 23,456.35 24,169.94 (713.59 (3 04)2.6 Non Banking Assets
2 Others Assets 77,466.82 27,855.74 49,61 L08 64.04
lnlerest recelvable lncluded ln unaudlted -ligure. delerred tax assels, adr cnce incotnetax not included rn unaudtted figure
J Profit and Loss Account3.1 Interest Income 360,'763 93 360.124.4s 639.483 Interest Expenses I 13,692 78 | 13,744.14 (st 36)
A.Net Interest lncome (J.l-3.2) 217,011.15 246,380.31 690.843.3 Fees.Commission and Discount 906.21 102.74 803 53
J_+ Jther Operating lncome 49,392.91 42.016.33 7,376.6417.56
Loan loss provtston wrltten back, graturtyu ritlen baek and acctrmulated lear e wrrltenback inculded in unaudited figure
3.5 Foreign Exchange Gain/Loss (Net)u. lotal Uperating lncome
A.+3.3+3.4+3,5) 297 370,39 288,499.38 8,871.01 3.07
Staff Expenses I 32,075. I 9 132,075.19 0.00 0.00Uraturty and accumulated leave expenseswrite offnot deducted in unaudited figure
3.7 Other Operating Expenses 28,054.18 ?7 140 5s 713.632.61
l'flor year tax pald and loss on cash in transil1ot covered by insurance claim rncluded inrnaudited figure
L.Upemung rrollt l,elorc rrovlsron (lJ.-3.6-3.7) 131,241.02 I 29,083.64 8,1 57.38 6.32
l Provision for Possible Losses 12,244 91 12,244.91 0.00 0.00D. Operating Profit (C.-3.8) 124,996.lt 1 16,838.73 8,r57.38 6.98
3.9 Non Operating Income/Expenses(Net)
Loss on cash tn translt not covered byinsurance claim showm under differentheading in unaudited PL
3l( Write Back of Provision lor possible Joss 8,8 I 9.65 (8,8 r 9.65( l 00.00
rrovlsron lor posstble loss wntten back tsincluded rn other operating income in unaudrted figure.
u.Prollt liom Regular Activities
ID.+3.9+3.10) I 2{.996.1 I l 25,658.38 (662.27) (0 53
3lI Extraordinary Incorne/Expenses(Net)
F.Profit before Bonus and Taxes (E.+3.11 t2J.996.r 1 I 25,658.38 (662.27\) (0.53
3.12 Provision for Staff Bonus 11,423.49 (60.2 I
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l'nor year tax patd lncluded as expense inunaudited figure deducted which has
increased profit and hence staffbonus hasbeen increased.
J I' Provision for Tax tl a39 85 11 ,,5 1? 864.s32.60
lmpact oI delerred tax lncome and pnor \,eartax paid has not been adjusted rn unauditedfigure
G.Net Protit/Loss (F.-3.12-3.13) -9 *<l L98 81,009.57 (r,466.s9) (1.81 N
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