Guheshowori Merchant Banking & Finance Ltd.(GMFIL)

Pulchowok, Lalitpur, Nepal; Ph: 5550406

RTS: NIBL ACE Capital Market Ltd.
As on

Rs.
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Tran.
Volume
Amount
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Financial Highlights (3rd quarter, 2074/075)

Earning Per Share
6.3
Net Asset Per Share
469.65
Net Worth Per Share
118.14
Paid up Capital(Rs in '000')
800000
Reserve and Surplus(Rs in '000')
145128
Operating Profit(Rs in '000')
52709
Net Profit(Rs in '000')
37808
Price Earning Ratio
22.92
Liquidity Ratio
26.80
Fiscal YearBonus ShareCash Dividend
Sector
Finance
Operation Date
NA
Listed Status
Yes
Face Value
100
Listed Share
4934821
Market Capitalization

Vision: To develop and upgrade the existing financial institution to a national level commercial bank.

Mission: The fundamental mission is to make financing easy; our motto. We are basically focusing on people who haven’t yet been able to have the facility of banking. We are educating people what banking is and how they can get facility of banking and upgrade their life standard.

Brief Profile:The institution is promoted by local reputed businessmen, entrepreneurs, educationalist, intellectuals, bankers and ex-bureaucrats.

Contact Information
Address
Pulchowok, Lalitpur, Nepal
Phone
5550406
E-Mail
gmbf@wlink.com.np
In Thousands4th Quarter3rd Quarter2nd Quarter1st Quarter
(except for per share items)2073/0742073/0742073/0742073/074
Share Capital 493482 493482 437780 293739
Reserve Surplus 208080 130712 159868 144608
Noncontrolling Interest - - - -
Debenture Bond 0 - - -
Loans Borrowing 36250 - - 200000
Deposit Liability 2454695 2582518 2328446 2165017
Domestic Currency 2454695 2582518 2328446 2165017
Foreign Currency 0 - - -
Bills Payable - - - -
Proposed Dividend - - - -
Income Tax Liability 0 - - 4753
Other Liabilities 117815 117286 94922 97393
Non Controlling interest - - - -
Total Liabilities 3310322 3323998 3021016 2905510
Cash Balance 121920 86197 74137 70498
Balance with NRB - - - -
Balance with Banks or Financial Institutions - - - -
Money at call and Short Notice 650680 760024 612743 636148
Investments 252364 323325 293964 258242
Loan Advances 2115886 2001941 1881681 1789527
Real Estate Loan 187353 296888 188108 163306
Residential Real Estate Loan 257333 160225 134921 104485
Business Complex and Residential Apartment Construction Loan 0 136663 53187 -
Income Generating Commerical Complex Loan 0 - - -
Other Real Estate Loan 0 - - -
Personal Home Loan of Ten Million or Less 0 256189 251401 2333.46
Margin Type Loan 365316 309392 334912 320708
Term Loan 996431 927414 901873 898525
Overdraf or TR Loan or WC Loan 0 - - -
Other 155560 212058 70466 69160
Fixed Assets 66301 60740 59568 58462
Non Banking Assets 0 - - -
Other Assets 103171 91771 98923 92635
Total Assets 3310322 3323998 3021016 2905510
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 Thousands4th Quarter3rd Quarter2nd Quarter1st Quarter
(except for per share items)2073/0742073/0742073/0742073/074
Interest Income 286280 199894 123902 57034
Interest Expenses 174790 118504 70850 33778
Net Interest Income 111491 81390 53052 23256
Fees Commission and Discount 2108 1496 691 358
Other Operating Income 24280 17252 12729 7144
Foreign Exchange 0 - - -
Total Operating Income 137879 100138 66472 30758
Staff Expenses 20158 11545 7706 4089
Operating Profit Before Provision 98382 76744 51133 23778
Provision for Possible Losses 232 153 1363 1459
Operating Profit 98150 76591 49770 22319
Non Operating Income 104988 4971 841 -
Write Back Provision for Possible Losses 0 - - -
Profit from Regular Activities 203139 81562 50611 22319
Extra Ordinary Income 0 - - -
Profit Before Bonus and Taxes 203139 81562 50611 22319
Provision for Staff Bonus 18467 7415 4601 2029
Provision for Income Tax 55401 22244 13803 6087
Non Controlling Interest - - - -
Net Profit and Loss 129270 51903 32207 14203
Captila Fund to RAW 28.03 26.28 25.58 20.67
Non Performing Loan to Total Loan 0.29 0.67 0.76 0.52
Total loan loss Provision to Total NPL 425.94 227.42 192.84 379.14
Cost of Fund as per NRB Directive 9.25 8.86 7.25 6.61
Credit to Deposit Ratio as Per NRB Directive 62.79 62.43 64.31 68.87
Base Rate 11.79 11.27 9.65 8.96
Average Yield on Loans and Advance and Investment as Per NRB Directive 0 - - -
Net Interest Spread as Per NRB Directive 4.78 4.6 4.92 5.18
Other Operating Expenses 19339 11849 7633 2891
ROE 0 - - -
ROA 0 - - -
Liquidity Ratio 31.47 - - -
EPS 26.2 - - -
PE Ratio 10.19 - - -
Net Worth Per Share 142.17 - - -
Assets Per Share 670.81 - - -
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 06, 2018133741.37
2Jul 10, 2014122134.20
3Dec 06, 2018117599.71
4Aug 28, 2011102102.00
5Sep 07, 20119494.00
6Dec 11, 201196961.73