Financials -  Yearly
NRSP Microfinance Bank Limited
Balance Sheet
  As at December 31, 2016
 
 
Dec 31, 2016
Dec 31, 2015
Assets
Cash and balances with SBP and NBP 1,199,468,738 472,107,622
Balances with other banks/NBFIs/MFBs 4,067,413,359 1,752,697,769
Lending to financial institutions - -
Investments - net of provisions 6,109,061,490 2,151,132,615
Advances - net of provisions 13,126,730,911 8,999,191,316
Operating fixed assets 353,177,316 221,426,706
Other assets 1,596,576,278 688,262,407
Deferred tax asset - net - 7,367,307
Total assets 26,452,428,092 14,292,185,742
Liabilities
Deposits and other accounts 16,922,083,617 7,255,315,825
Borrowings 4,677,175,000 4,156,925,000
Subordinated debts 672,360,000 -
Other liabilities 976,148,143 335,443,642
Deferred tax liabilities - net 931,540 -
Total Liabilities 23,248,698,300 11,747,684,467
Net assets 3,203,729,792 2,544,501,275
Represented by
Share capital 1,498,372,010 1,498,372,010
Statutory reserve 357,739,212 220,781,778
Depositors protection fund 96,583,278 60,381,579
Unappropraiated profit 1,250,224,935 754,487,456
  3,202,919,435 2,534,022,823
Surplus on revaluation of assets - net of tax - 11,397
Deferred grants 810,357 10,467,055
Total capital 3,203,729,792 2,544,501,275

NRSP Microfinance Bank Limited
Profit and Loss Account
  For the year ended December 31, 2016
 
 
Dec 31, 2016
Dec 31, 2015
Mark-up / return / interest earned 3,221,205,577 2,053,934,092
Mark-up / return / interest expensed (1,239,767,787) (741,048,862)
Net mark-up / interest income 1,981,437,790 1,312,885,230
Provision against non-performing loans and advances (135,953,448) (129,841,234)
Provision for diminution in the value of investments - -
Bad debts written off directly (19,375,256) (12,647,952)
  (155,328,704) (142,489,186)
Net mark-up / interest income after provisions 1,826,109,086 1,170,396,044
Non mark-up / non interest income
Fee, commission and brokerage income 469,693,440 391,542,226
Dividend income - -
Other income 223,650,552 209,840,033
Total non markup / non interest income 693,343,992 601,382,259
  2,519,453,078 1,771,778,303
Non mark-up / non interest expenses
Administrative expenses (1,558,766,474) (1,121,258,038)
Other charges (188,000) (282,000)
Total non mark-up / non interest expense (1,558,954,474) (1,121,540,038)
  960,498,604 650,238,265
Extraordinary / unusual items - -
Profit before taxation 960,498,604 650,238,265
Taxation - current (259,761,346) (187,875,246)
             - prior years - 1,488,000
             - deferred (15,950,089) (4,146,119)
  (275,711,435) (190,533,365)
Profit after taxation 684,787,169 459,704,900
Other comprehensive income (17,852,898) (3,807,864)
Total comprehensive income for the year 666,934,271 455,897,036
Unappropriated profit brought forward 754,487,456 413,516,645
Profit available for appropriation 1,421,421,727 869,413,681
  Appropritions:
Transfer to:    
Statutory reserve 136,957,434 91,940,980
Capital reserve - -
Depositors' protection fund 34,239,358 22,985,245
Revenue reserve - -
Proposed cash dividend - -
  171,196,792, 114,926,225
Unappropriated profit carried forward 1,250,224,935 754,487,456
Earnings per share - basic and diluted (Rupees) 4.57 3.07
Auditor(s):

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