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PFL ( Pokhara Finance Ltd. )

ISIN Number : NPE152A00006

As of Mar 30, 2021
263.00
1.00
0.38 %
Open
262
High
266
Low
260
Volume
5229
Prev. Close
262
Bid Price
---
Ask Price
170 ( 200 )
BASIC CHART
KEY INDICATORS
Market Capitalization
रू 241.25 करोड
Outstanding Shares
9172817.04
Book Value
145.3
PBV
1.81
Stock P/E
12.45
Dividend ( 2076/2077 )
5.26 %
EPS
21.12
PB X PE
22.54
ROE
--
ROA
--
CAR
19.12
Industrial PE
7.27
Industrial EPS
9.24
52 Weeks High-Low
306 - 142
Lifetime High-Low
459 - 91
180 Day Average Price
247.63
PROMOTER SHARE VALUE
Pokhara Finance Company Limited Promoter Share ( PFLPO )
Open
126.00
High
126.00
Low
126.00
Close
126.00
Classic Tech Red Label
PRICE PERFORMANCE
5 Days ---
1 Month ---
3 Months ---
YTD ---
1 Year ---
5 Years
-21.02%
COMPETITORS
Name chg % Market cap
GFCL 1.56 % रू 218.53 करोड
GUFL 0.22 % रू 394.94 करोड
ICFC 1.35 % रू 307.28 करोड
MFIL 2.11 % रू 467.25 करोड
SIFC 0.00 % रू 195.83 करोड
UFL 0.52 % रू 402.8 करोड
MORE ON WEB
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STOCK TRADING STRATEGIES
No strategies are available.
TOP BROKERS (As of - Mar 31, 2021)
Sell Buy
Code Qty Amt Commission (Est) Qty Amt Commission (Est) Total Amount Total Commission
52 --- --- --- --- --- --- रू 0 रू 0
55 --- --- --- --- --- --- रू 0 रू 0
1 --- --- --- --- --- --- रू 0 रू 0
5 --- --- --- --- --- --- रू 0 रू 0
7_RWS --- --- --- --- --- --- रू 0 रू 0
11 --- --- --- --- --- --- रू 0 रू 0
14_RWS --- --- --- --- --- --- रू 0 रू 0
19 --- --- --- --- --- --- रू 0 रू 0
22 --- --- --- --- --- --- रू 0 रू 0
28 --- --- --- --- --- --- रू 0 रू 0

Condensed Consolidated Statement of Financial Position

Particular
This Quarter
77/78 - 2nd Quarter
Previous Quarter
76/77 - 2nd Quarter
Corresponding Previous Year Quarter
76/77 - 2nd Quarter
Cash and cash equivalent 165,109,064 103,024,284 103,024,284
Due from Nepal Rastra Bank 374,018,207 245,116,173 245,116,173
Placement with Bank and Financial Institutions 1,301,755,967 1,740,825,241 1,740,825,241
Derivative Financial Instruments
Other Trading Assets
Loan and advances to B/Fis 1,174,829,119 371,420,476 371,420,476
Loan and advances to Customers 5,877,243,333 5,753,063,958 5,753,063,958
Investment Securities 1,053,456,050 320,589,353 320,589,353
Current Tax Assets 17,194,867 41,840,526 41,840,526
Investment in Subsidiaries
Investment in Associates
Investment Property 106,134,653
Property and Equipment 194,369,393 202,394,373 202,394,373
Goodwill and Intangible assets 3,844,171 4,408,407 4,408,407
Deferred Tax Assets 7,377,372 10,201,218 10,201,218
Other Assets 45,674,943 83,688,925 83,688,925
Total Assets 10,321,007,139 8,876,572,935 8,876,572,935
Liabilities
Due to bank and Financial Institutions 180,614,887 1,003,131,925 1,003,131,925
Due to Nepal Rastra Bank 65,535,000
Derivative Financial Instrument
Deposit from Customers 8,604,945,821 6,563,513,704 6,563,513,704
Borrowings
Current Tax Liabilities
Provisions
Deferred Tax Liabilities
Other Liabilities 137,059,083 98,266,061 98,266,061
Debt securities issued
Subordinated Liabilities
Total Liabilities 8,988,154,792 7,664,911,690 7,664,911,690
Total Liabilities 8,988,154,792 7,664,911,690 7,664,911,690
Equity
Share Capital 917,281,704 917,281,704 917,281,704
Share Premium 21,305,236 21,305,236
Retained Earnings 24,198,608 43,911,345 43,911,345
Reserves 391,372,035 229,126,959 229,126,959
Total equity attributable to equity holders 1,332,852,347 1,211,661,244 1,211,661,244
Non-controlling interest
Total Equity 1,332,852,347 1,211,661,244 1,211,661,244
Total Liabilities and Equity 10,321,007,139 8,876,572,935 8,876,572,935

Condensed Consolidated Statement of Profit or Loss

Particular This Quarter Previous Quarter Corresponding Previous Year Quarter
Interest Income 503,330,445 457,530,514 457,530,514
Interest Expense 307,047,682 292,311,687 292,311,687
Net interest Income 196,282,763 165,218,827 165,218,827
Fees and Commission Income 14,501,156 206,506,354 206,506,354
Fees and Commission Expense 226,000 226,000 226,000
Net fee and commission income 14,275,156 20,424,634 20,424,634
Net interest, fee and commission income 210,557,919 185,643,460 185,643,460
Net Trading income
Other Operating Income 6,824,785 3,652,863 3,652,863
Total Operating Income 217,382,704 189,296,323 189,296,323
Impairment charge/(reversal) for loans and other losses -23,162,072 19,872,196 19,872,196
Net Operating Income 240,544,776 169,424,127 169,424,127
Loans and Other Losses
Operating Expenses
Personal Expense 68,106,401 54,778,860 54,778,860
Other Operating Expense 25,949,118 24,696,177 24,696,177
Depreciation and Amortization 8,080,442 8,745,086 8,745,086
Operating Profit 138,408,815 81,204,005 81,204,005
Non operating Income
Non operating expenses 514,830 514,830
Profit before Income Tax 138,408,815 80,689,174 80,689,174
Income tax Expenses
   Current Tax 41,522,645 24,206,752 24,206,752
   Deferred Tax
Profit/(loss) for the period 96,886,171 56,482,422 56,482,422

Condensed Consolidated Statement of Comprehensive Income

Particular
This Quarter
77/78 - 2nd Quarter
Previous Quarter
76/77 - 2nd Quarter
Corresponding Previous Year Quarter
76/77 - 2nd Quarter
Profit/(loss) for the period 96,886,171 56,482,422 56,482,422
Other Comprehensive Income 6,889,602 -345,707 -345,707
Total Comprehensive Income 103,775,773 56,136,714 56,136,714
Basic Earning per share 21 12 12
Diluted Earning per share 20 12 12
Profit attributable to:
   Equity holders of the Bank 103,775,773 56,482,422 56,482,422
   Non-controlling interests
Total 103,775,773 56,482,422 56,482,422
Statement of Distributable Profit and Loss
Net Profit for the Quarter ended 96,886,171 56,482,422 56,482,422
1. Appropriations
1.1 Profit required to be appropriated to statutory reserve
a. General Reserve 19,377,234 11,296,484 11,296,484
b. Capital Redemption Reserve
c. Exchange Fluctuation Fund
d. Corporate Social Responsibility Fund 968,862 564,824 564,824
e. Employees Training Fund
f. Other 26,384,791 61,583,221 61,583,221
1.2 Profit required to be transferred to Regulatory Reserve
a. Transfer to Regulatory Reserve 66,864,832 6,743,709 6,743,709
b. Transfer from Regulator Reserve 11,013,335
Net Profit for quarter end available for distribution 24,198,608 43,911,345 43,911,345

Ratios as per NRB Directives

Particular
This Quarter
77/78 - 2nd Quarter
Previous Quarter
76/77 - 2nd Quarter
Corresponding Previous Year Quarter
76/77 - 2nd Quarter
Capital fund to RWA 19 20 20
Non-Performing Loan (NPL) to Total loan 1 1 1
Total Loan Loss provision to Total NPL 142 168 168
Cost of Funds 7 9 9
Credit to Deposit Ratio 71 74 74
Base Rate 9 11 11
Interest Rate Spread 4 5 5
Net Interest income to total income
Non Interest Income to Operating Cost
Interest Expenses to Interest Income
Shareholder's Equity
Number of Outstanding Share
Net Worth Per Share 145 132 132
Earning Per share (EPS Annualized) 21 12 12
PE Ratio 10 12 12
Price to Book Ratio
Return on Equity (Closing Annualized)
Return on Asset
Market Price High-Low 224 - 164 150 - 129 150 - 129
PEER PERFORMANCE
Companies LTP Intraday 5D % 1M % 3M % YTD % 1Y % Trend
PFL 263 1 --- --- --- --- ---
GFCL 252 4 --- --- --- --- ---
GUFL 455 1 --- --- --- --- ---
ICFC 300 4 --- --- --- --- ---
MFIL 484 10 --- --- --- --- ---
SIFC 220 --- --- --- --- --- ---
UFL 387 2 --- --- --- --- ---
DIVIDENDS
Fiscal Year Bonus Share Cash Dividend Total Dividend Bonus Dist. Date Right Share Right Dist. Date
1 2076/2077 5 % 0.263 % 5.263 % -- -- --
2 2075/2076 7 % 7.2 % 14.2 % 2019-12-19 -- --
3 2074/2075 5 % 8.684 % 13.684 % -- -- --
4 2073/2074 8.26 % 0.435 % 8.695 % -- -- --
5 2072/2073 13.5 % 0.71 % 14.21 % 2017-02-06 1:0.15 --
6 2071/2072 48.5 % 2.55 % 51.05 % 2015-12-16 -- --
Company Information
Registered Office
Head Office Location : Newroad, Pokhara Lekhnath-9, Kaski, Nepal
Email : pfl@pfl.com
Phone : (977)061-531145, 541135,541136, 541137
Website : http://www.pokharafinance.com.np/
Registered At :
Share Registrar ( RTS )
Name : NIBL Ace Capital Limited
Email : info@niblcapital.com
Phone : 1-4005157, 1-4425280
Address : Lazimpat Kathmandu, Nepal
Website : https://niblcapital.com
Management
Name Designation
Mr. Rabi Chandra Gurung Chief Executive Officer
Mr. Bhuwansing Gurung Chairman
Dr. Deependra Kumar Gautam Public Director
Maj. Prem Bahadur Thapa Public Director
Mr. Krishna Bahadur Gurung Public Director
Resham Lal Poudel Director
Shova Gurung Director
Mr. Bishnu Hari Timilsina Independent Director
Juna Kumari Gurung Company Secretary
About Company

Pokhara Finance Ltd.

Pokhara Finance Limited was established in 2053 B.S. Currently, the company has an Authorized Capital of NPR 1500 million, Issued Capital of NPR 857.27 million and Paid Up Capital of NPR 857.27 million. Its Head Office is situated at Newroad, Pokhara Lekhnath-9, Kaski . The company has an ownership of 51% with 49% shares owned by the general public. The company is amongst the oldest finance companies currently operating in Nepal.

The prime objective of this company is to render banking services to the different sectors like industries, traders, businessmen, priority sector, small entrepreneurs, deprived section of the society and every other people who need banking services. During the period of 22 years of its operation, it has accommodated a large number of clients and has been able to provide excellent services to its customers. We always protect the rights of our shareholders and help people to uplift their economic condition.

Objective

Our main goal is to collect the scattered capital throughout the country and convert them into deposit and provide attractive interest and also invest them into needy sectors to establish business, trades, housing etc. We always protect the rights of our shareholders and help people to uplift their economic condition. We are always dedicated to provide fast, secure and reliable service to our valued customers and stakeholders.