Goodwill Finance Co. Ltd.(GFCL)

Kamalpokhari , Ktm, Nepal; Ph: 01-4444039

RTS: NIBL ACE Capital Market Ltd.
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Financial Highlights (4th quarter, 2074/075)

Earning Per Share
0
Net Asset Per Share
0
Net Worth Per Share
0
Paid up Capital(Rs in '000')
800000
Reserve and Surplus(Rs in '000')
1787726.86
Operating Profit(Rs in '000')
74779.4
Net Profit(Rs in '000')
65423.7
Price Earning Ratio
0
Liquidity Ratio
0
Fiscal YearBonus ShareCash Dividend
Sector
Finance
Operation Date
NA
Listed Status
Yes
Face Value
100
Listed Share
7260000
Market Capitalization

Goodwill Finance Limited is a leading provider of financial solutions with unique mix of dedication and perfect execution. With the vision of providing best financial services for success, Goodwill Finance Limited started its operation as financial institution under the license from Nepal Rastra Bank in 1995. It is a public limited company established under the financial company act 2042, on 2051BS. The Authorized Capital of the company is Rupees 64,00,00,000/- and the Issued Capital is 31,05,00,000/- . 60 percent of the Paid-Up Capital is held by the promoter and remaining 40 is held by the general public. The shares of the Company are listed at Nepal Stock Exchange Limited (NEPSE). Our objective is to uplift the economic status of Nepal by investing in different economic sectors under economic liberalization policy, understanding diverse customer needs and providing broad mix of financial services to business and individuals. With corporate office based on Hattisar, Kamalpokhari, Kathmandu, we are known for our financial stability and excellent customer services. We are a continuously growing company and in present our branches are spread over Dillibazar, Indrachowk, Lalitpur, Bakhtapur, Birtamode, Itahari, Dang and Nepalgunj.

Contact Information
Address
Kamalpokhari , Ktm, Nepal
Phone
01-4444039
E-Mail
goodwill@finance.wlink.com.np
In Thousands3rd Quarter2nd Quarter1st Quarter
(except for per share items)2073/0742073/0742073/074
Share Capital 453750 453750 453750
Reserve Surplus 155449.01 126528.7 108745.3
Noncontrolling Interest - - -
Debenture Bond - - -
Loans Borrowing 120000 820000 720000
Deposit Liability 5398736.39 3864883 3711134
Domestic Currency 5398736.39 3864883 3711134
Foreign Currency - - -
Bills Payable - - -
Proposed Dividend - - -
Income Tax Liability 24015.9 11526.01 65969.7
Other Liabilities 328704.26 919426.29 300274.62
Non Controlling interest - - -
Total Liabilities 6480655.56 6196114 5359873.62
Cash Balance 2086104.27 1939448.94 1505035.38
Balance with NRB - - -
Balance with Banks or Financial Institutions - - -
Money at call and Short Notice - - -
Investments 314464.64 333206.96 321065.91
Loan Advances 3671686.49 3271687.39 3123669.46
Real Estate Loan 243393.95 350707.45 322585.86
Residential Real Estate Loan 132019.44 98098.95 96491.44
Business Complex and Residential Apartment Construction Loan - - -
Income Generating Commerical Complex Loan - - -
Other Real Estate Loan 111374.51 252608.5 224094.43
Personal Home Loan of Ten Million or Less 924850.99 904168.32 916038
Margin Type Loan 318640.25 322516.06 278655.26
Term Loan 934005.3 675072.99 720258.01
Overdraf or TR Loan or WC Loan - - -
Other 1250796 1019222.57 886132.33
Fixed Assets 243773.91 243026.63 240979.71
Non Banking Assets - - -
Other Assets 164626.25 410770.19 169123.16
Total Assets 6480655.56 6198140.11 5359873.62
In Thousands
Share Capital
Reserve Surplus
Noncontrolling Interest
Debenture Bond
Loans Borrowing
Deposit Liability
Domestic Currency
Foreign Currency
Bills Payable
Proposed Dividend
Income Tax Liability
Other Liabilities
Non Controlling interest
Total Liabilities
Cash Balance
Balance with NRB
Balance with Banks or Financial Institutions
Money at call and Short Notice
Investments
Loan Advances
Real Estate Loan
Residential Real Estate Loan
Business Complex and Residential Apartment Construction Loan
Income Generating Commerical Complex Loan
Other Real Estate Loan
Personal Home Loan of Ten Million or Less
Margin Type Loan
Term Loan
Overdraf or TR Loan or WC Loan
Other
Fixed Assets
Non Banking Assets
Other Assets
Total Assets
In Thousands3rd Quarter2nd Quarter1st Quarter
(except for per share items)2073/0742073/0742073/074
Interest Income 354573.5 217127.49 86629.68
Interest Expenses 247632.1 132062.1 61288.55
Net Interest Income 106941.4 85065.39 25341.13
Fees Commission and Discount 2227.32 990.65 414.11
Other Operating Income 46782.66 27646.78 19402.06
Foreign Exchange - - -
Total Operating Income 155951.38 113702.82 45157.3
Staff Expenses 31862.13 21385.16 12083.32
Operating Profit Before Provision 77128.02 63523.9 20430.49
Provision for Possible Losses 11235.56 36727.28 18130.71
Operating Profit 65892.46 26796.62 2299.78
Non Operating Income 25055.6 18600.22 16139.13
Write Back Provision for Possible Losses - - -
Profit from Regular Activities 90948.06 45396.84 18438.91
Extra Ordinary Income - - -
Profit Before Bonus and Taxes 90948.06 45396.84 18438.91
Provision for Staff Bonus 8268.01 4126.99 169.45
Provision for Income Tax 24015.9 11526.01 4984.03
Non Controlling Interest - - -
Net Profit and Loss 58664.15 29743.84 13285.43
Captila Fund to RAW 13.84 12.13 13.62
Non Performing Loan to Total Loan 1.55 1.99 1.98
Total loan loss Provision to Total NPL 173.29 185.81 170.18
Cost of Fund as per NRB Directive 8.59 6.78 6.59
Credit to Deposit Ratio as Per NRB Directive 62.74 75.76 75
Base Rate 12 9.55 8.64
Average Yield on Loans and Advance and Investment as Per NRB Directive 13.35 12.18 12.01
Net Interest Spread as Per NRB Directive 4.23 4.96 4.96
Other Operating Expenses 46961.23 28793.76 12643.49
ROE 17.24 - -
ROA 1.21 - -
Liquidity Ratio 41.57 - -
EPS 17.24 - -
PE Ratio 26.07 - -
Net Worth Per Share 134.26 - -
Assets Per Share 1428.22 - -
In Thousands (except for per share items)
Interest Income
Interest Expenses
Net Interest Income
Fees Commission and Discount
Other Operating Income
Foreign Exchange
Total Operating Income
Staff Expenses
Operating Profit Before Provision
Provision for Possible Losses
Operating Profit
Non Operating Income
Write Back Provision for Possible Losses
Profit from Regular Activities
Extra Ordinary Income
Profit Before Bonus and Taxes
Provision for Staff Bonus
Provision for Income Tax
Non Controlling Interest
Net Profit and Loss
Captila Fund to RAW
Non Performing Loan to Total Loan
Total loan loss Provision to Total NPL
Cost of Fund as per NRB Directive
Credit to Deposit Ratio as Per NRB Directive
Base Rate
Average Yield on Loans and Advance and Investment as Per NRB Directive
Net Interest Spread as Per NRB Directive
Other Operating Expenses
ROE
ROA
Liquidity Ratio
EPS
PE Ratio
Net Worth Per Share
Assets Per Share
In Thousands (except for per share items)
Net Profit to Gross Income
Earning per Share
Market Value per Share
Price Earning Ratio
Dividend on Share Capital
Capital Adequacy Fund
Cash Dividend
Interest Income to Loan and Advance
Staff Expenses to Total Operating Expenses
Interest Expenses to Total Deposit and Borrow
Exchange Gain to Total Assets
Exchange Fluctuation Income or Total Income
Staff Bonus to Total Staff Expenses
Net Profit to Loan and Advance
Net Profit to Total Assets
CD Ratio
Total Operating Expenses to Total Assets
Core Capital
Supplementary Capital
Total Capital Fund
Liquidity
Nonperforming Loan to Total Loan
Weighted Average Interest Rate Spread
Return of Asset
Book Net Worth
Book Net Worth per Share
Total Shares
Total Staff
Return on Equity
DateFiscal YearDurationTitle
DateQuantityRateAmount
DateCloseVolumeAmount
SNTraded DateLast PriceMkt Cap (Mil)
1Dec 12, 2018135466.36
2Dec 07, 2014144464.21
3Oct 11, 2017145687.89
4Dec 12, 2018117599.71
5Dec 12, 2018114239.40
6Jul 10, 2014122134.20