Financials -  Yearly
NRSP Microfinance Bank Limited
Balance Sheet
  As at December 31, 2018
 
 
2018
(Rupees)
2017
(Rupees)
Assets
Cash and balances with SBP and NBP 1,120,907,602 1,642,950,036
Balances with other banks/NBFIs/MFBs 3,699,044,247 5,223,369,743
Lending to financial institutions 2,522,202,000 -
Investments - net of provisions 3,458,697,984 2,696,482,931
Advances - net of provision 23,311,121,828 20,705,809,185
Operating fixed assets 1,008,607,370 533,617,070
Other assets 3,136,557,194 2,787,279,551
Deferred tax assets - net 93,447,540 -
Total assets 38,350,585,765 33,589,508,516
Liabilities
Deposits and other accounts 26,263,175,128 23,671,819,632
Borrowings 4,531,799,881 3,293,888,888
Subordinated debt 672,360,000 672,360,000
Other liabilities 2,275,492,810 1,922,913,622
Deferred tax liabilities - net - 14,616,979
Total Liabilities 33,742,827,819 29,575,599,121
Net assets 4,607,757,946 4,013,909,395
Represented by
Share capital 1,498,372,010 1,498,372,010
Statutory reserve 640,217,412 522,034,107
Depositors' protection fund 180,937,261 142,607,377
Unappropriated profit 2,278,585,992 1,849,115,619
  4,598,112,675 4,012,129,113
Surplus / (Deficit) on revaluation of assets - -
Deferred grants 9,645,271 1,780,282
Total capital 4,607,757,946 4,013,909,395

NRSP Microfinance Bank Limited
Profit and Loss Account
  For the year ended December 31, 2018
 
 
2018
(Rupees)
2017
(Rupees)
Mark-up / return / interest earned 6,331,528,190 4,976,176,699
Mark-up / return / interest expensed (2,226,359,614) (2,038,966,710)
Net mark-up / interest income 4,105,168,576 2,937,209,989
Provision against non-performing loans and advances (1,124,872,140) (383,809,692)
Provision for diminution in the value of investments - -
Bad debts written off directly - net of insurance recover- (29,984,417) (3,700,406)
  (1,154,856,557) (387,510,098)
Net mark-up / interest income after provisions 2,950,312,019 2,549,699,891
Non mark-up / non interest income
Fee, commission and brokerage income 722,596,172 615,784,095
Dividend income 8,403,290 441,034
Other income - net 102,261,942 254,897,425
Total non markup / non interest income 833,261,404 871,122,554
  3,783,573,423 3,420,822,445
Non mark-up / non interest expenses
Administrative expenses (2,881,731,158) (2,313,916,396)
Other charges (3,291,554) (1,232,479)
Total non mark-up / non interest expense (2,885,022,712) (2,315,148,875)
  898,550,711 1,105,673,570
Extraordinary / unusual items - -
  898,550,711 1,105,673,570
Profit before taxation    
Taxation - current (337,865,084) (270,513,654)
             - prior years (77,833,621) -
             - deferred (108,064,519) (13,685,440)
  (307,634,186) (284,199,094)
Profit after taxation 590,916,525 821,474,476
Unappropriated profit brought forward 1,849,115,619 1,250,224,935
Less: other comprehensive income (13,717,021) (17,215,174)
Profit available for appropriation 2,426,315,123 2,054,484,237
  Appropriations:
Transfer to:    
Statutory reserve (118,183,305) (164,294,895)
Depositors' protection fund (29,545,826) (46,024,099)
  (147,729,131) (210,318,994)
Unappropriated profit carried forward 2,278,585,992 1,844,165,243
Earnings per share 3.94 5.48
Auditor(s):

Pakistan Banks' Association 2005. All Rights Reserved.