Financials -  Yearly
NRSP Microfinance Bank Limited
Balance Sheet
  As at December 31, 2019
 
 
2019
(Rupees)
2018
(Rupees)
Assets
Cash and balances with SBP and NBP 1,483,412,144 1,120,907,602
Balances with other banks/NBFIs/MFBs 3,967,373,841 3,699,044,247
Lending to financial institutions - 2,522,202,000
Investments - net of provisions 1,590,417,993 3,458,697,984
Advances - net of provisions 27,370,611,456 23,311,121,828
Operating fixed assets 2,023,314,033 1,008,607,370
Other assets 3,338,470,431 3,136,557,194
Deferred tax asset - net 231,670,697 93,447,540
Total assets 40,005,270,596 38,350,585,765
Liabilities
Deposits and other accounts 26,650,662,052 26,263,175,128
Borrowings 3,764,296,762 4,531,799,881
Subordinated debts 672,360,000 672,360,000
Other liabilities 4,230,319,090 2,275,492,810
Deferred tax liability - net - -
Total Liabilities 35,317,637,904 33,742,827,819
Net assets 4,687,632,692 4,607,757,946
Represented by
Share capital 1,498,372,010 1,498,372,010
Statutory reserve 657,079,488 640,217,412
Depositors' protection fund 198,412,206 180,937,261
Unappropriated profit 2,330,318,665 2,278,585,992
  4,684,182,369 4,598,112,675
(Deficit) / Surplus on revaluation of assets (7,000) -
Deferred grants 3,457,323 9,645,271
Total capital 4,687,632,692 4,607,757,946

NRSP Microfinance Bank Limited
Profit and Loss Account
  For the year ended December 31, 2019
 
 
2019
(Rupees)
2018
(Rupees)
Mark-up / return / interest earned 7,523,998,213 6,331,528,190
Mark-up / return / interest expensed (3,401,596,773) (2,226,359,614)
Net mark-up / interest income 4,122,401,440 4,105,168,576
Provision against non-performing loans and advances (1,820,469,443) (1,124,872,140)
Provision for diminution in the value of investments - -
Bad debts written off directly - net of insurance recoveries (24,571,874) (29,984,417)
  (1,845,041,317) (1,154,856,557)
Net mark-up / interest income after provisions 2,277,360,123 2,950,312,019
Non mark-up / non interest income
Fee, commission and brokerage income 723,578,443 722,596,172
Dividend income 79,500,684 8,403,290
Other income - net 362,012,026 102,261,942
Total non markup / non interest income 1,165,091,153 833,261,404
Non mark-up / non interest expenses
Administrative expenses (3,353,705,406) (2,881,731,158)
Other charges (1,363,601) (3,291,554)
Total non mark-up / non interest expense (3,355,069,007) (2,885,022,712)
  87,382,269 898,550,711
Extraordinary / unusual items - -
Profit before taxation 87,382,269 898,550,711
Taxation - current (141,295,045) (337,865,084)
               prior year - (77,833,621)
               deferred 138,223,157 (108,064,519)
  (3,071,888) (307,634,186)
Profit after taxation 84,310,381 590,916,525
Unappropriated profit brought forward 2,278,585,992 1,849,115,619
Less: other comprehensive income (11,500,112) (13,717,021)
Profit available for appropriation 2,351,396,261 2,426,315,123
  Appropriations:
Transfer to:    
Statutory reserve (16,862,076) (118,183,305)
Depositors' protection fund (4,215,519) (29,545,826)
  (21,077,595) (147,729,131)
Unappropriated profit/ (loss) carried forward 2,330,318,666 2,278,585,992
Earnings per share 0.56 3.94
Auditor(s):

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