Financial Highlights
Article Index
Financial Highlights
Unaudited Financials(I Qtr 73/74)
Unaudited Financials(IV Qtr 72/73)
Unaudited Financials(III Qtr 72/73)
Unaudited Financials(II Qtr 72/73)
Unaudited Financials(I Qtr 72/73)
Unaudited Financials(IV Qtr 71/72)
Unaudited Financials(III Qtr 71/72)
Unaudited Financials(II Qtr 71/72)
Unaudited Financials(I Qtr 71/72)
Unaudited Financials(IV Qtr 70/71)
Unaudited Financials(III Qtr 70/71)
Unaudited Financial Results (Quarterly)

As at First Quarter (16/10/2016) of the FY 2016-2017 (FY 2073-74) [PDF Format]

Figures in NPR('000)

S/N Particulars

This Quarter Ending

Ashwin end 2073

Previous Quarter Ending Ashad end 2073 (Audited)

Corresponding Quarter Previous Year ending Ashwin end 2072
Group NIBL Group NIBL Group NIBL
1 Total Capital and Liabilities
(1.1 to 1.8)
145,419,887 138,670,976 135,637,863 131,331,446 111,784,656 111,469,739
1.1 Paid Up Capital 8,706,612 8,706,612 8,706,612 8,706,612 6,345,701 6,345,701
1.2 Reserve and Surplus 8,400,063 8,321,939 7,650,217 7,581,140 3,907,705 3,885,086
1.3 Debenture and Bond 1,550,000 1,550,000 1,550,000 1,550,000 1,550,000 1,550,000
1.4 Borrowings 1,049,775 1,049,775 250,480 250,480 274,548 274,548
1.5 Deposit (a+b) 112,746,030 114,869,884 108,596,082 108,626,642 95,897,811 95,902,778
a. Domestic Currency 98,944,414 101,068,269 95,164,796 95,195,356 86,789,897 86,794,864
b. Foreign Currency 13,801,616 13,801,616 13,431,286 13,431,286 9,107,914 9,107,914
1.6 Income Tax Liability 240,237 240,237 78,292 78,292
1.7 Other Liabilities 12,727,171 3,932,529 8,884,474 4,616,573 3,730,600 3,433,336
1.8 Non-Controlling Interest - - - - - -
2 Total Assets (2.1 to 2.7) 145,419,887 138,670,976 135,637,863 131,331,446 111,784,656 111,469,739
2.1 Cash and Bank Balance 20,437,573 13,731,739 17,277,099 13,025,832 16,387,250 16,075,392
2.2 Money at Call and Short Notice 127,680 127,680 149,380 149,380 272,590 272,590
2.3 Investments 27,770,077 27,809,647 29,187,388 29,226,762 19,136,567 19,173,429
2.4 Loans and Advances (Gross) 94,445,281 94,445,281 87,009,792 87,009,792 74,110,818 74,110,818
a. Real Estate Loan 5,408,857 5,408,857 5,334,596 5,334,596 4,456,258 4,456,258
1. Residential
;Real Estate Loan
;(Except Personal Home Loan upto
Rs. 1 Crore)
494,886 494,886 531,382 531,382 472,274 472,274
2. Business Compex & Residential
Apartment Construction Loan
2,414,756 2,414,756 2,465,171 2,465,171 1,764,754 1,764,754
3. Income Generating Commercial
Complex Loan
175,320 175,320 177,223 177,223 183,932 183,932
4. Other Real Estate Loan
(Including Land Purchase and
Plotting)
2,323,893 2,323,893 2,160,820 2,160,820 2,035,298 2,035,298
b. Personal Home Loan of Rs. 1
Crore or Less
1,268,376 1,268,376 1,273,593 1,273,593 1,400,322 1,400,322
c. Margin Type Loan 477,020 477,020 603,618 603,618 508,274 508,274
d. Term Loan 22,620,558 22,620,558 21,373,407 21,373,407 16,424,792 16,424,792
e. Overdraft/TR Loan/WC Loan 56,480,322 56,480,322 50,832,823 50,832,823 44,157,771 44,157,771
f. Others 8,190,149 8,190,149 7,591,755 7,591,755 7,163,401 7,163,401
2.5 Fixed Assets (Net) 1,084,517 1,057,463 1,073,736 1,050,446 1,066,398 1,052,896
2.6 Non Banking Assets (Net) - - - - - -
2.7 Other Assets 1,554,760 1,499,166 940,468 869,235 811,032 784,614
3 Profit & Loss Account Up to This Quarter Up to Previous Quarter Up to Corresponding Quarter Previous Year
3.1 Interest Income 1,899,862 1,888,689 6,856,958 6,776,755 1,442,802 1,436,222
3.2 Interest Expense (767,713) (779,007) (2,844,418) (2,855,650) (787,713) (787,713)
A. Net Interest Income (3.1-3.2) 1,132,149 1,109,682 4,012,541 3,921,105 655,089 648,508
3.3 Fees, Commission and Discount 199,524 169,632 595,231 604,400 135,193 125,785
3.4 Other Operating Income 116,359 112,437 304,446 305,046 63,906 63,057
3.5 Foreign Exchange Gain/Loss
(Net)
156,986 156,986 533,265 533,265 131,630 131,630
B. Total Operating Income
(A.+3.3+3.4+3.5)
1,605,019 1,548,737 5,445,483 5,363,816 985,817 968,980
3.6 Staff Expenses (151,293) (142,903) (589,880) ; (569,749) (124,072) (119,655)
3.7 Other Operating Expenses (155,607) (150,757) (685,799) (657,913) (143,706) (140,003)
C. Operating Profit Before
Provision (B.-3.6-3.7)
1,298,118 1,255,077 4,169,804 4,136,154 718,039 709,322
3.8 Provision for Possible Losses (166,356) (166,356) (436,465) (436,465) (131,958) (131,958)
D. Operating Profit (C.-3.8) 1,131,762 1,088,721 3,733,339 3,699,689 586,081 577,365
3.9 Non Operating Income/Expenses
(Net)
41,886 41,886 62,764 19,433 4,056 4,056
3.10 Write Back of Provision for
Possible Loss
33,507 33,507 358,709 358,690 84,604 84,604
E. Profit from Regular
Activities (D+3.9+3.10)
1,207,155 1,164,114 4,154,812 4,077,812 674,741 666,024
3.11 Extra-ordinary Income/Expenses
(Net)
- - 379 379 - -
F. Profit before Bonus and
Taxes (E+3.11)
1,207,155 1,164,114 4,155,190 4,078,191 674,741 666,024
3.12 Provision for Staff Bonus (109,741) (105,829) (377,745) (370,745) (61,340) (60,548)
3.13 Provision for Tax (327,268) (317,486) (1,174,162) (1,156,563) (183,624) (181,643)
G. Net Profit/(Loss) (F-3.12-3.13) 770,146 740,800 2,603,283 2,550,884 429,777 423,834
3.14 Share of non-controlling interest in
Profit of Subsidiary
- - - - - -
H. Net Profit/Loss (G-3.14) 770,146 740,800 2,603,283 2,550,884 429,777 423,834
4 Ratios At the End of This Quarter At the End of Previous Quarter At the End of Corresponding
Quarter Previous Year
4.1 Capital Fund to RWA 13.93% 13.93% 14.92% 14.92% 11.31% 11.31%
4.2 Non Performing Loan (NPL) to
Total Loan
0.71% 0.71% 0.68% 0.68% 1.07% 1.07%
4.3 Total Loan Loss Provision to
Total NPL
250.21% 250.21% 261.17% 261.17% 192.25% 192.25%
4.4 CD Ratio (As per NRB Directives) 78.69% 78.69% 76.78% 76.78% 74.63% 74.63%
4.5 Net Liquid Assets/Total Deposit 32.76% 32.76% 31.69% 31.69% 35.06% 35.06%
4.6 Base Rate 5.22% 5.22% 5.08% 5.08% 5.83% 5.83%
4.7 Average Yield LCY Lending &
Investments
;(As per NRB Directives)
7.26% 7.26% 7.21% 7.21% 8.06% 8.06%
4.8 Cost of Funds LCY Deposits
(As per NRB Directives)
2.89% 2.89% 2.76% 2.76% 3.49% 3.49%
4.9 Interest Spread LCY
(As per NRB Directives)
4.37% 4.37% 4.45% 4.45% 4.57% 4.57%
4.10 Return on Equity
(Closing Annualized)
18.01% 17.40% 15.92% 15.66% 16.77% 16.57%
4.11 Return on Assets
(Closing Annualized)
2.12% 2.14% 1.92% 1.94% 1.54% 1.52%
4.12 Earning Per share
(EPS Annualized)
35.38 34.03 29.90 29.30 27.09 26.72
4.13 PE Ratio 22.81 23.71 34.78 35.50 38.13 38.67
4.14 Networth Per Share 196.48 195.58 187.87 187.07 161.58 161.22
4.15 Total Assets Per Share 1,670.22 1,592.71 1,557.87 1,508.41 1,761.58 1,756.62

Notes:

1) Previous quarters' figures have been regrouped and rearranged whereever necessary.

2) The above figures are subject to change as per the directions, if any, of Nepal Rastra Bank and/or Statutory Auditor.

3) Group represents Nepal Investment Bank Ltd. and its 100% subsidiary NIBL Capital Markets Ltd.

4) Intercompany transactions among the Group have been eliminated in the above statement related to the Group.

 

FIRST QUARTERLY REPORT 2073/74 ( in Nepali)

 



 

// // // //