Financials -  Yearly
NRSP Microfinance Bank Limited
Balance Sheet
  As at December 31, 2015
 
 
Dec 31, 201
Dec 31, 2014
Assets
Cash and balances with SBP and NBP 472,107,622 308,723,036
Balances with other banks/NBFIs/MFBs 1,752,697,769 1,686,937,820
Lendings to financial institutions - -
Investments - net of provisions 2,171,796,032 3,971,191,370
Advances - net of provision 8,999,191,316 5,125,177,047
Operating fixed assets 221,426,706 222,810,333
Other assets 681,895,909 473,049,174
Deferred tax asset 7,367,307 9,726,853
Total assets 14,306,482,661 11,797,615,633
Liabilities
Deposits and other accounts 7,255,315,825 5,159,809,714
Borrowings 4,156,925,000 4,204,216,370
Subordinated debts - -
Other liabilities 349,740,561 307,485,949
Deferred tax liabilities - -
Total Liabilities 11,761,981,386 9,671,512,033
Net assets 2,544,501,275 2,126,103,600
Represented by
Share capital 1,498,372,010 1,498,372,010
Statutory reserve 220,781,778 128,840,798
Depositors protection fund 60,381,579 34,646,895
Accumulated profit 754,487,456 413,516,645
  2,534,022,823 2,075,376,348
Surplus on revaluation of assets - net of tax 11,397 1,498,750
Deferred grants 10,467,055 49,228,502
Total capital 2,544,501,275 2,126,103,600

NRSP Microfinance Bank Limited
Profit and Loss Account
  For the year ended December 31, 2015
 
 
Dec 31, 2015
Dec 31, 2014
Mark-up / return / interest earned 2,053,934,092 1,731,236,416
Mark-up / return / interest expensed (741,048,862) (793,087,433)
Net mark-up / interest income 1,312,885,230 938,148,983
Provision against non-performing loans and advances (129,841,234) (53,672,400)
Provision for diminution in the value of investments - -
Bad debts written off directly (12,647,952) (8,558,847)
  (142,489,186) (62,231,247)
Net mark-up / interest income after provisions 1,170,396,044 875,917,736
Non mark-up / interest income
Fee, commission and brokerage income 391,542,226 188,017,055
Dividend income - -
Other income 209,840,033 140,009,532
Total non markup / interest income 601,382,259 328,026,587
  1,771,778,303 1,203,944,323
Non mark-up / non interest expenses
Administrative expenses (1,121,540,038) (918,212,652)
Other charges - -
Total non mark-up / non interest expense (1,121,540,038) (918,212,652)
  650,238,265 285,731,671
Extraordinary / unusual items - -
Profit before taxation 650,238,265 285,731,671
Taxation - current (187,875,246) (83,216,262)
             - prior years 1,488,000 9,888,165
             - deferred (4,146,119) (14,724,412)
  (190,533,365) (88,052,509)
Profit after taxation 459,704,900 197,679,162
Other comprehensive income    
Items that will never be classified to profit and loss:    
-Re-measurement component - net actuarial loss (3,807,864) (10,032,063)
  (3,807,864) (10,032,063)
Total comprehensive income for the year 455,897,036 187,647,099
Accumulated profit brought forward 413,516,645 275,289,336
Accumulated profit 869,413,681 462,936,435
Appropriations: Transfer to:    
Statutory reserve 91,940,980 39,535,832
Capital reserve - -
Depositors protection fund 22,985,245 9,883,958
Revenue reserve - -
  114,926,225 49,419,790
Accumulated profit carried forward 754,487,456 413,516,645
Earnings per share - basic and diluted 3.07 1.32
Auditor(s):

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