Financial Highlights
Article Index
Financial Highlights
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)

 

As at Third Quarter (12/04/2016) of the FY 2015-2016 (FY 2072-73) [PDF Format]

Figures in NPR('000)

S/N Particulars This Quarter Ending  Chaitra end 2072 Previous Quarter Ending Poush end 2072 Corresponding Quarter Previous Year ending Chaitra end 2071
Group NIBL Group NIBL Group NIBL
1 Total Capital and Liabilities (1.1 to 1.8) 153,458,044 135,045,954 114,568,594 114,332,878 95,705,132 95,693,426
1.1 Paid Up Capital 7,252,639 7,252,639 6,345,701 6,345,701 4,771,204 4,771,204
1.2 Reserve and Surplus 9,884,244 9,836,640 4,569,252 4,539,436 4,695,325 4,684,688
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 280,636 280,636 783,549 783,549 288,750 288,750
1.5 Deposit (a+b) 112,632,377 112,636,602 98,067,810 98,081,283 81,165,151 81,168,093
a. Domestic Currency 101,411,209 101,415,433 87,989,140 88,002,613 72,790,083 72,793,025
b. Foreign Currency 11,221,169 11,221,169 10,078,670 10,078,670 8,375,068 8,375,068
1.6 Income Tax Liability (5,084) (5,084) (1,464) (1,464) (6,884) (8,049)
1.7 Other Liabilities 21,863,231 3,494,521 3,253,746 3,034,374 2,991,585 2,988,741
1.8 Non-Controlling Interest - - - - - -
2 Total Assets (2.1 to 2.7) 153,458,044 135,045,954 114,568,594 114,332,878 95,705,132 95,693,426
2.1 Cash and Bank Balance 45,610,515 27,262,528 12,769,880 12,552,337 10,015,195 9,987,330
2.2 Money at Call and Short Notice - - - - 200,000 200,000
2.3 Investments 21,489,770 21,528,480 22,232,643 22,171,572 17,387,811 17,427,219
2.4 Loans and Advances (Gross) 84,374,373 84,374,373 77,482,671 77,482,671 66,149,034 66,149,034
a. Real Estate Loan 4,636,577 4,636,577 4,574,808 4,574,808 4,366,481 4,366,481
1. Residential Real Estate Loan (Except Personal Home Loan upto Rs. 1 Crore) 520,188 520,188 486,180 486,180 603,823 603,823
2. Business Compex & Residential Apartment Construction Loan 1,869,926 1,869,926 1,721,757 1,721,757 1,557,778 1,557,778
3. Income Generating Commercial Complex Loan 180,650 180,650 182,690 182,690 78,219 78,219
4. Other Real Estate Loan (Including Land Purchase and Plotting) 2,065,812 2,065,812 2,184,181 2,184,181 2,126,661 2,126,661
b. Personal Home Loan of Rs. 1 Crore or Less 1,346,631 1,346,631 1,376,585 1,376,585 1,409,056 1,409,056
c. Margin Type Loan 667,778 667,778 550,654 550,654 117,044 117,044
d. Term Loan 18,131,120 18,131,120 17,320,548 17,320,548 13,239,712 13,239,712
e. Overdraft/TR Loan/WC Loan 52,339,445 52,339,445 46,406,326 46,406,326 40,009,199 40,009,199
f.  Others 7,252,822 7,252,822 7,253,714 7,253,714 7,007,541 7,007,541
2.5 Fixed Assets (Net) 1,052,474 1,028,095 1,049,267 1,033,264 1,034,674 1,025,656
2.6 Non Banking Assets (Net) - - - - - -
2.7 Other Assets 930,912 852,478 1,034,133 993,033 918,419 904,187
3 Profit & Loss  Account Up to This Quarter Up to Previous Quarter Up to Corresponding Quarter Previous Year
3.1 Interest Income 4,893,848 4,879,683 3,194,684 3,184,777 4,228,889 4,224,024
3.2 Interest Expense (2,178,861) (2,178,861) (1,519,910) (1,519,910) (2,021,713) (2,021,713)
A. Net Interest Income (3.1-3.2) 2,714,987 2,700,822 1,674,773 1,664,867 2,207,176 2,202,311
3.3 Fees, Commission and Discount 494,496 441,644 278,076 256,350 388,449 377,744
3.4 Other Operating Income 218,673 218,673 123,866 123,655 170,032 167,544
3.5 Foreign Exchange Gain/Loss (Net) 377,942 377,942 247,965 247,965 322,060 322,060
B. Total Operating Income (A.+3.3+3.4+3.5) 3,806,098 3,738,870 2,324,680 2,292,837 3,087,717 3,069,660
3.6 Staff Expenses (378,570) (365,613) (250,115) (243,047) (337,228) (329,788)
3.7 Other Operating Expenses (459,738) (450,828 (297,390) (291,885) (404,807) (399,317)
C. Operating Profit Before Provision (B.-3.6-3.7) 2,967,790 2,922,429 1,777,175 1,757,905 2,345,683 2,340,554
3.8 Provision for Possible Losses (487,268) (487,268) (318,516) (318,516) (506,123) (506,123)
D. Operating Profit (C.-3.8) 2,480,521 2,435,161 1,458,659 1,439,388 1,839,560 1,834,431
3.9 Non Operating Income/Expenses (Net) 14,495 14,495 10,825 10,825 17,934 17,934
3.10 Write Back of Provision for Possible Loss 428,676 428,676 244,076 244,076 565,145 565,145
E. Profit from Regular Activities (D+3.9+3.10) 2,923,693 2,878,332 1,713,560 1,694,290 2,422,639 2,417,511
3.11 Extra-ordinary Income/Expenses (Net) - - - - - -
F. Profit before Bonus and Taxes (E+3.11) 2,923,693 2,878,332 1,713,560 1,694,290 2,422,639 2,417,511
3.12 Provision for Staff Bonus (265,790) (261,667) (155,778) (154,026) (220,240) (219,774)
3.13 Provision for Tax (795,350) (785,041) (466,459) (462,079) (670,980) (669,814)
G. Net Profit/(Loss) (F-3.12-3.13) 1,862,552 1,831,624 1,091,323 1,078,184 1,531,420 1,527,923
3.14 Share of non-controlling interest in Profit of Subsidiary - - - - - -
H. Net Profit/Loss (G-3.14) 1,862,552 1,831,624 1,091,323 1,078,184 1,531,420 1,527,923
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 16.12% 16.12% 11.69% 11.69% 11.88% 11.88%
4.2 Non Performing Loan (NPL) to Total Loan 0.78% 0.78% 1.10% 1.10% 1.28% 1.28%
4.3 Total Loan Loss Provision to Total NPL 234.71% 234.71% 180.32% 180.32% 162.66% 162.66%
4.4 CD Ratio (As per NRB Directives) 70.05% 70.05% 76.67% 76.67% 77.42% 77.42%
4.5 Net Liquid Assets/Total Deposit 29.81% 29.81% 31.37% 31.37% 30.25% 30.25%
4.6 Base Rate 4.80% 4.80% 5.45% 5.45% 6.16% 6.16%
4.7 Average Yield LCY Lending & Investments (As per NRB Directives) 7.61% 7.61% 7.59% 7.59% 8.17% 8.17%
4.8 Cost of Funds LCY Deposits (As per NRB Directives) 2.65% 2.65% 3.16% 3.16% 3.67% 3.67%
4.9 Interest Spread LCY (As per NRB Directives) 4.96% 4.96% 4.43% 4.43% 4.50% 4.50%
4.10 Return on Equity (Closing Annualized) 14.49% 14.29% 20.00% 19.81% 21.57% 21.54%
4.11 Return on Assets (Closing Annualized) 1.62% 1.81% 1.91% 1.89% 2.13% 2.13%
4.12 Earning Per share (EPS Annualized) 34.24 33.67 34.40 33.98 42.80 40.70
4.13 PE Ratio 32.10 32.64 22.59 22.87 16.54 16.58
4.14 Networth Per Share 236.28 235.63 172.01 171.54 198.41 198.19
4.15 Total Assets Per Share 2,115.89 1,862.02 1,805.45 1,801.74 2,005.97 2,005.73

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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