United Finance Ltd.(UFL)

Durbar Marg, Ktm, Nepal; Ph: 01-4241648

RTS: Self
As on

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

Earning Per Share
8.46
Net Asset Per Share
825.52
Net Worth Per Share
126.35
Paid up Capital(Rs in '000')
800519
Reserve and Surplus(Rs in '000')
210965
Operating Profit(Rs in '000')
48109
Net Profit(Rs in '000')
50774
Price Earning Ratio
23.65
Liquidity Ratio
19.40
Fiscal YearBonus ShareCash Dividend
Sector
Finance
Operation Date
NA
Listed Status
Yes
Face Value
100
Listed Share
6723596
Market Capitalization

United Finance Limited (UFL) is a leading Consumer Finance Company in Nepal with excellent asset quality and strong growth potential. The company, promoted by the Chaudhary Group - the largest conglomerate in Nepal was established in 1992 as per the Companies Act of Nepal. The main objective of the company is to mobilize scattered savings into the consumer financing sector. The major promoters and shareholders of the company are the Chaudhary Group and Morang Auto Works. These groups among themselves hold 60% of the shares in the company with the remaining balance of 40% shares held by the general public. The shares of the company are actively traded at the Nepal Stock Exchange (NEPSE) and have been categorized in Category “A” by NEPSE for the last Five years. The company operates from its Head Office in Durbar Marg, Kathmandu.

Contact Information
Address
Durbar Marg, Ktm, Nepal
Phone
01-4241648
E-Mail
info@ufl.com.np
RTS
Self
In Thousands4th Quarter3rd Quarter2nd Quarter1st Quarter
(except for per share items)2073/0742073/0742073/0742073/074
Share Capital 672705 672705 670880 670880 643825
Reserve Surplus 286930 255033 224484 224484 176884
Noncontrolling Interest - - - -
Debenture Bond 0 - - -
Loans Borrowing 0 - 500000 500000 80000
Deposit Liability 5445479 5274540 5003465 5003465 4695046
Domestic Currency 5445479 5274540 5003465 5003465 4695046
Foreign Currency 0 - - -
Bills Payable - - - -
Proposed Dividend - - - -
Income Tax Liability 0 - - -
Other Liabilities 135858 103340 105635 105635 78419
Non Controlling interest - - - -
Total Liabilities 6540972 6305618 6504464 6504464 5674174
Cash Balance 1381127 1286513 1531794 1531794 1070542
Balance with NRB - - - -
Balance with Banks or Financial Institutions - - - -
Money at call and Short Notice 0 - - -
Investments 270376 293220 300108 300108 272073
Loan Advances 4684690 4558041 4509491 4509491 4150489
Real Estate Loan 385606 403322 446696 446696 420579
Residential Real Estate Loan 31721 31950 32236 32236 32518
Business Complex and Residential Apartment Construction Loan 0 - - -
Income Generating Commerical Complex Loan 0 - - -
Other Real Estate Loan 353885 371372 414460 414460 388061
Personal Home Loan of Ten Million or Less 404149 414209 426081 426081 390142
Margin Type Loan 407313 391903 535104 535104 499955
Term Loan 1856848 1754795 1670695 1670695 1486995
Overdraf or TR Loan or WC Loan 286752 253383 233416 233416 197716
Other 1344023 1340429 1197499 1197499 1155102
Fixed Assets 51042 46644 47341 47341 89301
Non Banking Assets 0 - - -
Other Assets 153736 121200 115730 115730 91769
Total Assets 6540972 6305618 6504464 6504464 5674174
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 626086 446840 271938 116260
Interest Expenses 383025 262713 148267 69375
Net Interest Income 243060 184127 123671 46885
Fees Commission and Discount 3663 1422 1021 450
Other Operating Income 36582 30835 23203 10052
Foreign Exchange 0 - - -
Total Operating Income 283306 216384 147895 57387
Staff Expenses 68450 44139 28331 15023
Operating Profit Before Provision 160924 132858 94347 29839
Provision for Possible Losses 34307 38758 36275 32974
Operating Profit 126617 94100 58072 -3135
Non Operating Income 47437 33634 26405 15989
Write Back Provision for Possible Losses 9710 6159 6580 3211
Profit from Regular Activities 183764 133893 91057 16065
Extra Ordinary Income 55 -198 -198 -5
Profit Before Bonus and Taxes 183819 133695 90859 16060
Provision for Staff Bonus 16711 12154 8260 1460
Provision for Income Tax 50133 36462 24780 4380
Non Controlling Interest - - - -
Net Profit and Loss 116976 85079 57819 10220
Captila Fund to RAW 19.04 - 17.64 16.84
Non Performing Loan to Total Loan 0.44 - 0.48 0.99
Total loan loss Provision to Total NPL 312.03 - 308.28 199.81
Cost of Fund as per NRB Directive 9.22 - 7.29 6.2
Credit to Deposit Ratio as Per NRB Directive 74.17 - 77.63 77.43
Base Rate 12.54 - 10.26 9.02
Average Yield on Loans and Advance and Investment as Per NRB Directive 0 - - -
Net Interest Spread as Per NRB Directive 4.12 - 4.72 5.31
Other Operating Expenses 53931 39387 25217 12525
ROE 0 - - -
ROA 0 - - -
Liquidity Ratio 25.36 - - -
EPS 17.39 - - -
PE Ratio 14.09 - - -
Net Worth Per Share 142.65 - - -
Assets Per Share 972.34 - - -
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)
1Mar 21, 2017176307.83
2May 13, 2014198436.19
3Apr 13, 2014172-
4Sep 13, 2011149226.10
5Oct 11, 2017145687.89
6Feb 28, 2013141284.76