Sagarmatha Merchant Banking & Finance Ltd.
Head Office, Manbhawan, Lalitpur
Tel: 5547841, 5535158, 5008800; Fax: 5535419
Branch Office:
Bhadrapur Road, Birtamod ,Tel. : 023-540557, Fax: 023-540558
Damak Chowk, Damak, Tel. : 023-585418, Fax: 023-585419
Dharan Road, Itahari, Tel. : 025-587324, Fax: 025-587336,
Bhanuchowk, Dharan, Tel. : 025-533938, Fax: 025-533939
Mahendra Chowk, Biratnagar, Tel. : 021-440864, Fax: 021-440865
Salleri, Solukhumbu, Tel. : 038-520433, Fax : 038-520438
Unaudited Financial Results (Quarterly)
As at: End of Second Quarter (30/09/2068) of the Fiscal Year 2068/069
(Rs. in 000)
S.
No.
Particulars
1
1.1
1.2
1.3
1.4
1.5
Total Capital and Liabilities (1.1 to 1.7)
Paid Up Capital
Reserve and Surplus
Debenture and Bond
Borrowings
Deposits (a+b)
a. Domestic Currency
b. Foreign Currency
1.6 Income Tax Liability
1.7 Other Liabilities
Corresponding
This Quarter
Previous
Ending
Quarter Ending Previous Year
Quarter Ending
1,437,283.68 1,525,985.73 1,367,375.00
137,500.00 137,500.00 137,500.00
55,224.18
54,001.90
39,436.92
30,000.00
1,220,389.40 1,135,763.07 1,113,117.09
1,220,389.40 1,135,763.07 1,113,117.09
6,242.57
24,170.10 198,720.76
41,078.42
2
2.1
2.2
2.3
2.4
Total Asset (2.1 to 2.7)
1,437,283.68 1,525,985.73 1,367,375.00
Cash and Bank Balance
291,657.79 231,572.30 258,395.33
Money at Call and Short Notice
Investments
90,860.98
77,807.06
91,076.52
Loans and Advances (a+b+c+d+e+f)
1,020,341.50 1,006,557.53 969,142.31
a. Real Estate Loan
72,241.01
86,760.42 130,354.55
1. Residential Real Estate Loan (Except Personal
Home Loan upto Rs.10 Million)
2. Business Complex & Residential Apartment Construction Loan
3. Income Generating Commercial Complex Loan
4. Other Real Estate Loan (Including Land purchase & Plotting)
72,241.01
86,760.42 130,354.55
b. Personal Home Loan of Rs. 10 Million or Less
62,692.04
59,452.23
52,426.59
c. Margin Type Loan
81,690.48
81,697.47
82,875.50
d. Term Loan
23,004.39
16,137.83
9,785.52
e. Overdraft Loan / TR Loan / WC Loan
244,761.42 235,483.29 181,796.32
f. Others 535,952.16
527,026.29 511,903.83
2.5 Fixed Assets
20,776.23
22,101.38
11,274.74
2.6 Non Banking Assets
2.7 Other Assets
13,647.18 187,947.46
37,486.10
3
Profit and Loss Account
3.1 Interest Income
3.2 Interest Expenses
A. Net Interest Income (3.1 - 3.2)
3.3 Fees, Commission and Discount
3.4 Other Operating Income
3.5 Foreign Exchange Gain/Loss (Net)
B. Total Operating Income (A+3.3+3.4+3.5)
3.6 Staff Expenses
3.7 Other Operating Expenses
C. Operating Profit Before Provision (B-3.6-3.7)
3.8 Provision for Possible Losses
D. Operating Profit (C-3.8)
3.9 Non Operating Income / Expenses (Net)
3.10 Write Back of Provision For Possible Loss
E. Profit from Regular Activities (D+3.9+3.10)
3.11 Extraordinary Income / Expenses (Net)
F. Profit before Bonus and Taxes (E+3.11)
3.12 Provision for Staff Bonus
3.13 Provision for Tax
G. Net Profit/Loss (F-3.12-3.13)
4
Ratios
4.1
4.2
4.3
4.4
4.5
Capital Fund to RWA
Non Performing Loan (NPL) To Total Loan
Total Loan Loss Provision to Total NPL
Cost Of Funds
Credit to Deposit Ratio (Calculated as per NRB Directives)
Up to
Up to
Up to Previous Corresponding
This Quarter
Quarter
Previous
Year Quarter
92,484.72
41,729.26
84,978.65
72,629.14
36,128.36
58,759.91
19,855.58
5,600.90
26,218.74
464.04
186.86
425.29
4,176.22
1,100.38
6,346.81
-
-
-
24,495.84
6,888.14
32,990.84
9,554.12
4,544.76
6,568.73
6,856.59
2,465.78
6,385.71
8,085.13
(122.40)
20,036.40
8,757.35
153.06
1,423.16
(672.22)
(275.46)
18,613.24
1,040.52
368.30
-
-
524.08
248.62
-
18,613.24
-
-
368.30
248.62
18,613.24
33.48
22.60
1,692.11
100.45
67.81
5,076.34
234.37
158.21
11,844.79
Up to
Up to
Up to Previous Corresponding
This Quarter
Quarter
Previous
Year Quarter
17.55%
4.21%
72.47%
12.71%
74.47
15.32%
2.62%
89.37%
12.88%
77.79
17.64%
0.89%
265.99%
12.50%
77.08
Note : The above figures are subject to change as per the directions, if any, of Nepal Rastra Bank and/or Statutory Auditor.
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