Financial Highlights
Article Index
Financial Highlights
Unaudited Financials(III Qtr 73/74)
Unaudited Financials(II Qtr 73/74)
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 Second Quarter (13/01/2017) of the FY 2016-2017 (FY 2073-74) [PDF Format]

Figures in NPR('000)

S/N

Particulars

This Quarter      Ending                     Poush  end 2073

Previous Quarter Ending                 Ashwin end 2073

Corresponding Quarter Previous Year ending                      Poush end 2072

Group

NIBL

Group

NIBL

Group

NIBL

1 Total Capital and Liabilities (1.1 to 1.8) 143,460,113 139,831,921 145,419,887 138,670,976 114,568,594 114,332,878
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 9,299,557 9,166,107 8,400,063 8,321,939 4,569,252 4,539,436
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 255,409 255,409 1,049,775 1,049,775 783,549 783,549
1.5 Deposit (a+b) 116,603,841 116,607,705 112,746,030 114,869,884 98,067,810 98,081,283
a. Domestic Currency 104,097,406 104,101,269 98,944,414 101,068,269 87,989,140 88,002,613
b. Foreign Currency 12,506,436 12,506,436 13,801,616 13,801,616 10,078,670 10,078,670
1.6 Income Tax Liability 60,599 60,599 240,237 240,237 (1,464) (1,464)
1.7 Other Liabilities 6,984,095 3,485,489 12,727,171 3,932,529 3,253,746 3,034,374
1.8 Non-Controlling Interest - - - - - -
2 Total Assets (2.1 to 2.7) 143,460,113 139,831,921 145,419,887 138,670,976 114,568,594 114,332,878
2.1 Cash and Bank Balance 14,418,696 10,875,856 20,437,573 13,731,739 12,769,880 12,552,337
2.2 Money at Call and Short Notice 1,508,800 1,508,800 127,680 127,680 - -
2.3 Investments 28,617,480 28,650,919 27,770,077 27,809,647 22,232,643 22,271,572
2.4 Loans and Advances (Gross) 96,709,906 96,709,906 94,445,281 94,445,281 77,482,671 77,482,671
a. Real Estate Loan 5,026,088 5,026,088 5,408,857 5,408,857 4,574,808 4,574,808
1. Residential Real Estate Loan (Except Personal Home Loan upto Rs. 1 Crore) 466,655 466,655 494,886 494,886 486,180 486,180
2. Business Compex & Residential Apartment Construction Loan 1,552,717 1,552,717 2,414,756 2,414,756 1,721,757 1,721,757
3. Income Generating Commercial Complex Loan 785,492 785,492 175,320 175,320 182,690 182,690
4. Other Real Estate Loan (Including Land Purchase and Plotting) 2,221,224 2,221,224 2,323,893 2,323,893 2,184,181 2,184,181
b. Personal Home Loan of Rs. 1 Crore or Less 1,224,486 1,224,486 1,268,376 1,268,376 1,376,585 1,376,585
c. Margin Type Loan 728,730 728,730 477,020 477,020 550,654 550,654
d. Term Loan 23,653,972 23,653,972 22,620,558 22,620,558 17,320,584 17,320,584
e. Overdraft/TR Loan/WC Loan 57,350,217 57,350,217 56,480,322 56,480,322 46,406,326 46,406,326
f.  Others 8,726,413 8,726,413 8,190,149 8,190,149 7,253,714 7,253,714
2.5 Fixed Assets (Net) 1,108,606 1,080,107 1,084,517 1,057,463 1,049,267 1,033,264
2.6 Non Banking Assets (Net) - - - - - -
2.7 Other Assets 1,096,626 1,006,334 1,554,760 1,499,166 1,034,133 993,033
3 Profit & Loss  Account Up to This Quarter Up to Previous Quarter Up to Corresponding Quarter Previous Year
3.1 Interest Income 4,043,556 4,001,263 1,899,862 1,888,689 3,194,684 3,184,777
3.2 Interest Expense (1,665,341) (1,678,823) (767,713) (779,007) (1,519,910) (1,519,910)
A. Net Interest Income (3.1-3.2) 2,378,215 2,322,441 1,132,149 1,109,682 1,674,773 1,664,867
3.3 Fees, Commission and Discount 439,982 390,860 199,524 169,632 278,076 256,350
3.4 Other Operating Income 198,323 190,978 116,359 112,437 123,866 123,655
3.5 Foreign Exchange Gain/Loss (Net) 318,988 318,988 156,986 156,986 247,965 247,965
B. Total Operating Income (A.+3.3+3.4+3.5) 3,335,508 3,223,267 1,605,019 1,548,737 2,324,680 2,292,837
3.6 Staff Expenses (305,239) (290,186) (151,293) (142,903) (250,115) (243,047)
3.7 Other Operating Expenses (344,421) (328,377) (155,607) (150,757) (297,390) (291,885)
C. Operating Profit Before Provision (B.-3.6-3.7) 2,685,848 2,604,703 1,298,118 1,255,077 1,777,175 1,757,905
3.8 Provision for Possible Losses (280,214) (280,214) (166,356) (166,356) (318,516) (318,516)
D. Operating Profit (C.-3.8) 2,405,634 2,324,489 1,131,762 1,088,721 1,458,659 1,439,388
3.9 Non Operating Income/Expenses (Net) 53,635 53,635 41,886 41,886 10,825 10,825
3.10 Write Back of Provision for Possible Loss 112,539 112,539 33,507 33,507 244,076 244,076
E. Profit from Regular Activities (D+3.9+3.10) 2,571,808 2,490,663 1,207,155 1,164,114 1,713,560 1,694,290
3.11 Extra-ordinary Income/Expenses (Net) - - - - - -
F. Profit before Bonus and Taxes (E+3.11) 2,571,808 2,490,663 1,207,155 1,164,114 1,713,560 1,694,290
3.12 Provision for Staff Bonus (233,801) (226,424) (109,741) (105,829) (155,778) (154,026)
3.13 Provision for Tax (697,714) (679,272) (327,268) (317,486) (466,459) (462,079)
G. Net Profit/(Loss) (F-3.12-3.13) 1,640,294 1,584,968 770,146 740,800 1,091,323 1,078,184
3.14 Share of non-controlling interest in Profit of Subsidiary - - - - - -
H. Net Profit/Loss (G-3.14) 1,640,294 1,584,968 770,146 740,800 1,091,323 1,078,184
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 14.28% 14.28% 13.93% 13.93% 11.69% 11.69%
4.2 Non Performing Loan (NPL) to Total Loan 0.70% 0.70% 0.71% 0.71% 1.10% 1.10%
4.3 Total Loan Loss Provision to Total NPL 252.56% 252.56% 250.21% 250.21% 180.32% 180.32%
4.4 CD Ratio (As per NRB Directives) 78.03% 78.03% 78.69% 78.69% 76.67% 76.67%
4.5 Net Liquid Assets/Total Deposit 30.75% 30.75% 32.76% 32.76% 31.37% 31.37%
4.6 Base Rate 5.69% 5.69% 5.22% 5.22% 5.45% 5.45%
4.7 Average Yield LCY Lending & Investments (As per NRB Directives) 7.99% 7.99% 7.26% 7.26% 7.59% 7.59%
4.8 Cost of Funds LCY Deposits (As per NRB Directives) 3.53% 3.53% 2.89% 2.89% 3.16% 3.16%
4.9 Interest Spread LCY (As per NRB Directives) 4.46% 4.46% 4.37% 4.37% 4.43% 4.43%
4.10 Return on Equity (Closing Annualized) 18.22% 17.74% 18.01% 17.40% 20.00% 19.81%
4.11 Return on Assets (Closing Annualized) 2.29% 2.27% 2.12% 2.14% 1.91% 1.89%
4.12 Earning Per share (EPS Annualized) 37.68 36.41 35.38 34.03 34.40 33.98
4.13 PE Ratio 18.98 36.41 22.81 23.71 22.59 22.87
4.14 Networth Per Share 206.81 205.28 196.48 195.58 172.01 171.54
4.15 Total Assets Per Share 1,647.71 1,606.04 1,670.22 1,592.71 1,805.45 1,801.74
Notes:

1) 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.

 



 

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