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+977 4417635
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Shivam Cement

PFL ( Pokhara Finance Ltd. )

ISIN Number : NPE152A00006

As of Mar 22, 2020
153.00
3.00
2.00 %
Open
153
High
153
Low
153
Volume
17
Prev. Close
150
Bid Price
---
Ask Price
170 ( 200 )
BASIC CHART
KEY INDICATORS
Market Capitalization
रू 140.34 करोड
Outstanding Shares
9172817.04
Book Value
132.09
PBV
1.16
Stock P/E
12.42
Dividend ( 2075/2076 )
14.2 %
EPS
12.32
PB X PE
14.38
ROE
--
ROA
--
CAR
20.38
Industrial PE
-13.81
Industrial EPS
12.54
52 Weeks High-Low
178 - 129
Lifetime High-Low
459 - 91
180 Day Average Price
146.45
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
-1.29%
3 Months ---
YTD
15.04%
1 Year
14.18%
5 Years ---
COMPETITORS
Name chg % Market cap
BFC 1.04 % रू 78.75 करोड
GUFL 4.96 % रू 99.65 करोड
ICFC 1.74 % रू 149.09 करोड
RLFL 1.56 % रू 108.21 करोड
SIFC 1.4 % रू 116.89 करोड
MORE ON WEB
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STOCK TRADING STRATEGIES
No strategies are available.
TOP BROKERS (As of - Mar 22, 2020)
Sell Buy
Code Qty Amt Commission (Est) Qty Amt Commission (Est) Total Amount Total Commission
7 --- --- --- 17 रू 2.6 हजार रू 15.61 रू 2.6 हजार रू 15.61
22 17 रू 2.6 हजार रू 15.61 --- --- --- रू 2.6 हजार रू 15.61
14 --- --- --- --- --- --- रू 0 रू 0
18 --- --- --- --- --- --- रू 0 रू 0
21 --- --- --- --- --- --- रू 0 रू 0
26 --- --- --- --- --- --- रू 0 रू 0
32 --- --- --- --- --- --- रू 0 रू 0
35 --- --- --- --- --- --- रू 0 रू 0
39 --- --- --- --- --- --- रू 0 रू 0
43 --- --- --- --- --- --- रू 0 रू 0

Condensed Consolidated Statement of Financial Position

Particular
This Quarter
76/77 - 2nd Quarter
Previous Quarter
75/76 - 4th Quarter
Corresponding Previous Year Quarter
75/76 - 2nd Quarter
Cash and cash equivalent 103,024,284 1,270,948,519 283,784,000
Due from Nepal Rastra Bank 245,116,173
Placement with Bank and Financial Institutions 1,740,825,241
Derivative Financial Instruments
Other Trading Assets
Loan and advances to B/Fis 371,420,476
Loan and advances to Customers 5,753,063,958
Investment Securities 320,589,353
Current Tax Assets 41,840,526
Investment in Subsidiaries
Investment in Associates
Investment Property
Property and Equipment 202,394,373
Goodwill and Intangible assets 4,408,407
Deferred Tax Assets 10,201,218
Other Assets 83,688,925 136,458,902 271,872,000
Total Assets 8,876,572,935 7,851,348,834 7,172,614,000
Liabilities
Due to bank and Financial Institutions 1,003,131,925
Due to Nepal Rastra Bank
Derivative Financial Instrument
Deposit from Customers 6,563,513,704 5,792,308,812 5,180,622,000
Borrowings
Current Tax Liabilities
Provisions
Deferred Tax Liabilities
Other Liabilities 98,266,061 155,553,987 444,488,000
Debt securities issued
Subordinated Liabilities
Total Liabilities 7,664,911,690 7,851,348,834 7,172,614,000
Total Liabilities 7,664,911,690 7,851,348,834 7,172,614,000
Equity
Share Capital 917,281,704 857,272,621 857,273,000
Share Premium 21,305,236
Retained Earnings 43,911,345
Reserves 229,126,959
Total equity attributable to equity holders 1,211,661,244
Non-controlling interest
Total Equity 1,211,661,244
Total Liabilities and Equity 8,876,572,935

Condensed Consolidated Statement of Profit or Loss

Particular This Quarter Previous Quarter Corresponding Previous Year Quarter
Interest Income 457,530,514 765,809,581 337,571,000
Interest Expense 292,311,687
Net interest Income 165,218,827 285,303,275 121,205,000
Fees and Commission Income 206,506,354
Fees and Commission Expense 226,000
Net fee and commission income 20,424,634
Net interest, fee and commission income 185,643,460
Net Trading income
Other Operating Income 3,652,863 3,823,134 19,648,000
Total Operating Income 189,296,323 327,478,957 141,289,000
Impairment charge/(reversal) for loans and other losses 19,872,196
Net Operating Income 169,424,127
Loans and Other Losses
Operating Expenses
Personal Expense 54,778,860
Other Operating Expense 24,696,177 32,101,000
Depreciation and Amortization 8,745,086
Operating Profit 81,204,005 152,135,571 63,990,000
Non operating Income 484,000
Non operating expenses 514,830
Profit before Income Tax 80,689,174
Income tax Expenses
   Current Tax 24,206,752
   Deferred Tax
Profit/(loss) for the period 56,482,422 107,281,475 41,029,000

Condensed Consolidated Statement of Comprehensive Income

Particular
This Quarter
76/77 - 2nd Quarter
Previous Quarter
75/76 - 4th Quarter
Corresponding Previous Year Quarter
75/76 - 2nd Quarter
Profit/(loss) for the period 56,482,422 107,281,475 41,029,000
Other Comprehensive Income -345,707
Total Comprehensive Income 56,136,714
Basic Earning per share 12 13 10
Diluted Earning per share 12
Profit attributable to:
   Equity holders of the Bank 56,482,422
   Non-controlling interests
Total 56,482,422
Statement of Distributable Profit and Loss
Net Profit for the Quarter ended 56,482,422
1. Appropriations
1.1 Profit required to be appropriated to statutory reserve
a. General Reserve 11,296,484
b. Capital Redemption Reserve
c. Exchange Fluctuation Fund
d. Corporate Social Responsibility Fund 564,824
e. Employees Training Fund
f. Other 61,583,221
1.2 Profit required to be transferred to Regulatory Reserve
a. Transfer to Regulatory Reserve 6,743,709
b. Transfer from Regulator Reserve
Net Profit for quarter end available for distribution 43,911,345

Ratios as per NRB Directives

Particular
This Quarter
76/77 - 2nd Quarter
Previous Quarter
75/76 - 4th Quarter
Corresponding Previous Year Quarter
75/76 - 2nd Quarter
Capital fund to RWA 20 19 21
Non-Performing Loan (NPL) to Total loan 1 1 1
Total Loan Loss provision to Total NPL 168
Cost of Funds 9
Credit to Deposit Ratio 74
Base Rate 11
Interest Rate Spread 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 132 150 134
Earning Per share (EPS Annualized) 12 13 10
PE Ratio 12 11 14
Price to Book Ratio
Return on Equity (Closing Annualized)
Return on Asset
Market Price High-Low 150 - 129 146 - 130 160 - 128
PEER PERFORMANCE
Companies LTP Intraday 5D % 1M % 3M % YTD % 1Y % Trend
PFL 153 --- --- 1.29 --- 15.04 14.18
BFC 95 --- --- 5 --- 11.76 ---
ICFC 169 --- --- 7.14 --- 15.75 9.74
RLFL 130 --- --- 7.14 --- 15.04 5.69
SIFC 141 --- --- 9.03 --- 0.00 2.92
DIVIDENDS
Fiscal Year Bonus Share Cash Dividend Total Dividend Bonus Dist. Date Right Share Right Dist. Date
1 2075/2076 7 % 7.2 % 14.2 % 2019-12-19 -- --
2 2074/2075 5 % 8.684 % 13.684 % -- -- --
3 2073/2074 8.26 % 0.435 % 8.695 % -- -- --
4 2072/2073 13.5 % 0.71 % 14.21 % 2017-02-06 1:0.15 --
5 2071/2072 48.5 % 2.55 % 51.05 % 2015-12-16 -- --
6 2070/2071 6 % 10 % 16 % 2014-12-02 -- --
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.