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)

 

As at Second Quarter (14/01/2016) of the FY 2015-2016 (FY 2072-73) [PDF Format]

 

Figures in NPR('000)

S/N Particulars This Quarter Ending  Poush end 2072 Previous Quarter Ending Ashwin end 2072 Corresponding Quarter Previous Year ending Poush end 2071
Group NIBL Group NIBL Group NIBL
1 Total Capital and Liabilities (1.1 to 1.8) 114,568,594 114,332,878 111,784,656 111,469,739 94,285,771 94,282,082
1.1 Paid Up Capital 6,345,701 6,345,701 6,345,701 6,345,701 4,771,204 4,771,204
1.2 Reserve and Surplus 4,569,252 4,539,436 3,907,705 3,885,086 4,127,075 4,122,839
1.3 Debenture and Bond 1,550,000 1,550,000 1,550,000 1,550,000 1,800,000 1,800,000
1.4 Borrowings 783,549 783,549 274,548 274,548 318,804 318,804
1.5 Deposit (a+b) 98,067,810 98,081,283 95,897,811 95,902,778 79,925,467 79,926,014
a. Domestic Currency 87,989,140 88,002,613 86,789,897 86,794,864 72,015,670 72,016,217
b. Foreign Currency 10,078,670 10,078,670 9,107,914 9,107,914 7,909,798 7,909,798
1.6 Income Tax Liability (1,464) (1,464) 78,292 78,292 5,409 5,409
1.7 Other Liabilities 3,253,746 3,034,374 3,730,600 3,433,336 3,337,813 3,337,813
1.8 Non-Controlling Interest - - - - - -
2 Total Assets (2.1 to 2.7) 114,568,594 114,332,878 111,784,656 111,469,739 94,285,771 94,282,082
2.1 Cash and Bank Balance 12,769,880 12,552,337 16,387,250 16,075,392 10,145,483 10,058,316
2.2 Money at Call and Short Notice - - 272,590 272,590 200,000 200,000
2.3 Investments 22,232,643 22,271,572 19,136,567 19,173,429 18,322,046 18,417,759
2.4 Loans and Advances (Gross) 77,482,671 77,482,671 74,110,818 74,110,818 63,744,668 63,744,668
a. Real Estate Loan 4,574,808 4,574,808 4,456,258 4,456,258 4,315,074 4,315,074
1. Residential Real Estate Loan (Except Personal Home Loan upto Rs. 1 Crore) 486,180 486,180 472,274 472,274 595,820 595,820
2. Business Compex & Residential Apartment Construction Loan 1,721,757 1,721,757 1,764,754 1,764,754 1,470,688 1,470,688
3. Income Generating Commercial Complex Loan 182,690 182,690 183,932 183,932 35,091 35,091
4. Other Real Estate Loan (Including Land Purchase and Plotting) 2,184,181 2,184,181 2,035,298 2,035,298 2,213,475 2,213,475
b. Personal Home Loan of Rs. 1 Crore or Less 1,376,585 1,376,585 1,400,322 1,400,322 1,477,420 1,477,420
c. Margin Type Loan 550,654 550,654 508,274 508,274 44,245 44,245
d. Term Loan 17,320,584 17,320,584 16,424,792 16,424,792 10,484,520 10,484,520
e. Overdraft/TR Loan/WC Loan 46,406,326 46,406,326 44,157,771 44,157,771 40,265,667 40,265,667
f.  Others 7,253,714 7,253,714 7,163,401 7,163,401 7,157,742 7,157,742
2.5 Fixed Assets (Net) 1,049,267 1,033,264 1,066,398 1,052,896 1,053,159 1,045,853
2.6 Non Banking Assets (Net) - - - - - -
2.7 Other Assets 1,034,133 993,033 811,032 784,614 820,414 815,486
3 Profit & Loss  Account Up to This Quarter Up to Previous Quarter Up to Corresponding Quarter Previous Year
3.1 Interest Income 3,194,684 3,184,777 1,442,802 1,436,222 2,777,577 2,774,455
3.2 Interest Expense (1,519,910) (1,519,910) (787,713) (787,713) (1,336,255) (1,336,287)
A. Net Interest Income (3.1-3.2) 1,674,773 1,664,867 655,089 648,508 1,441,322 1,438,169
3.3 Fees, Commission and Discount 278,076 256,350 135,193 125,785 239,478 236,828
3.4 Other Operating Income 123,866 123,655 63,906 63,057 113,256 111,385
3.5 Foreign Exchange Gain/Loss (Net) 247,965 247,965 131,630 131,630 212,754 212,754
B. Total Operating Income (A.+3.3+3.4+3.5) 2,324,680 2,292,837 985,817 968,980 2,006,809 1,999,135
3.6 Staff Expenses (250,115) (243,047) (124,072) (119,655) (223,905) (218,829)
3.7 Other Operating Expenses (297,390) (291,885) (143,706) (140,003) (267,518) (264,273)
C. Operating Profit Before Provision (B.-3.6-3.7) 1,777,175 1,757,905 718,039 709,322 1,515,386 1,516,034
3.8 Provision for Possible Losses (318,516) (318,516) (131,958) (131,958) (363,710) (363,710)
D. Operating Profit (C.-3.8) 1,458,659 1,439,388 586,081 577,365 1,151,677 1,152,324
3.9 Non Operating Income/Expenses (Net) 10,825 10,825 4,056 4,056 1,361 1,361
3.10 Write Back of Provision for Possible Loss 244,076 244,076 84,604 84,604 368,236 368,236
E. Profit from Regular Activities (D+3.9+3.10) 1,713,560 1,694,290 674,741 666,024 1,521,273 1,521,920
3.11 Extra-ordinary Income/Expenses (Net) - - - - - -
F. Profit before Bonus and Taxes (E+3.11) 1,713,560 1,694,290 674,741 666,024 1,521,273 1,521,920
3.12 Provision for Staff Bonus (155,778) (154,026) (61,340) (60,548) (138,356) (138,356)
3.13 Provision for Tax (466,459) (462,079) (183,624) (181,643) (417,490) (417,490)
G. Net Profit/(Loss) (F-3.12-3.13) 1,091,323 1,078,184 429,777 423,834 965,427 966,074
3.14 Share of non-controlling interest in Profit of Subsidiary - - - - - -
H. Net Profit/Loss (G-3.14) 1,091,323 1,078,184 429,777 423,834 965,427 966,074
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 11.69% 11.69% 11.31% 11.31% 11.92% 11.92%
4.2 Non Performing Loan (NPL) to Total Loan 1.10% 1.10% 1.07% 1.07% 1.13% 1.13%
4.3 Total Loan Loss Provision to Total NPL 180.32% 180.32% 192.25% 192.25% 199.81% 199.81%
4.4 CD Ratio (As per NRB Directives) 76.67% 76.67% 74.63% 74.63% 75.92% 75.92%
4.5 Net Liquid Assets/Total Deposit 31.37% 31.37% 35.06% 35.06% 30.45% 30.45%
4.6 Base Rate 5.45% 5.45% 5.83% 5.83% 6.07% 6.07%
4.7 Average Yield LCY Lending & Investments (As per NRB Directives) 7.59% 7.59% 8.06% 8.06% 8.14% 8.14%
4.8 Cost of Funds LCY Deposits (As per NRB Directives) 3.16% 3.16% 3.49% 3.49% 3.60% 3.60%
4.9 Interest Spread LCY (As per NRB Directives) 4.43% 4.43% 4.57% 4.57% 4.54% 4.54%
4.10 Return on Equity (Closing Annualized) 20.00% 19.81% 16.77% 16.57% 21.70% 21.72%
4.11 Return on Assets (Closing Annualized) 1.91% 1.89% 1.54% 1.52% 2.05% 2.05%
4.12 Earning Per share (EPS Annualized) 34.40 33.98 27.09 26.72 40.47 40.50
4.13 PE Ratio 22.59 22.87 38.13 38.67 18.04 18.03
4.14 Networth Per Share 172.01 171.54 161.58 161.22 186.50 186.41
4.15 Total Assets Per Share 1,805.45 1,801.74 1,761.58 1,756.62 1,976.22 1,976.15

Notes:

  1. Previous quarters' figures have been regrouped and rearranged wherever 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. Inter-company transactions among the Group have been eliminated in the above statement related to the Group.

 



 

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