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 Fourth Quarter (15/07/2016) of the FY 2015-2016 (FY 2072-73) [PDF Format]

Figures in NPR('000)

S/N Particulars

This Quarter Ending

Ashad end 2073

Previous Quarter Chaitra end 2072

Corresponding Quarter Previous Year ending Ashad end 2072(Audited)
Group NIBL Group NIBL Group NIBL
1 Total Capital and Liabilities (1.1 to 1.8) 131,432,493 131,331,446 153,458,044 135,045,954 110,199,286 105,816,403
1.1 Paid Up Capital 7,255,510 7,255,510 7,252,639 7,252,639 6,345,701 6,345,701
1.2 Reserve and Surplus 10,620,532 10,555,899 9,884,244 9,836,640 3,477,929 3,461,252
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 250,480 250,480 280,636 280,636 263,116 263,116
1.5 Deposit (a+b) 108,604,530 108,626,642 112,632,377 112,636,602 90,630,660 90,631,487
a. Domestic Currency 95,173,244 95,195,356 101,411,209 101,415,433 80,856,057 80,856,884
b. Foreign Currency 13,431,286 13,431,286 11,221,169 11,221,169 9,774,603 9,774,603
1.6 Income Tax Liability - - (5,084) (5,084) - -
1.7 Other Liabilities 3,142,442 3,092,916 21,863,231 3,494,521 7,931,880 3,564,847
1.8 Non-Controlling Interest - - - - - -
2 Total Assets (2.1 to 2.7) 131,423,493 131,331,446 153,458,044 135,045,954 110,199,286 105,816,403
2.1 Cash and Bank Balance 13,072,023 13,025,832 45,610,515 27,262,528 18,689,605 14,315,048
2.2 Money at Call and Short Notice 149,380 149,380 - - - -
2.3 Investments 29,184,957 29,226,762 21,489,770 21,528,480 21,433,161 21,462,588
2.4 Loans and Advances (Gross) 87,009,792 87,009,792 84,374,373 84,374,373 67,690,199 67,690,199
a. Real Estate Loan 5,334,596 5,334,596 4,636,577 4,636,577 4,549,507 4,549,507
1. Residential Real Estate Loan (Except Personal Home Loan upto Rs. 1 Crore) 531,382 531,382 520,188 520,188 437,454 437,454
2. Business Compex & Residential Apartment Construction Loan 2,465,171 2,465,171 1,869,926 1,869,926 1,919,381 1,919,381
3. Income Generating Commercial Complex Loan 177,223 177,223 180,650 180,650 73,740 73,740
4. Other Real Estate Loan (Including Land Purchase and Plotting) 2,160,820 2,160,820 2,065,812 2,065,812 2,118,932 2,118,932
b. Personal Home Loan of Rs. 1 Crore or Less 1,273,593 1,273,593 1,346,631 1,346,631 1,447,741 1,447,741
c. Margin Type Loan 603,618 603,618 667,778 667,778 52,316 52,316
d. Term Loan 21,373,407 21,373,407 18,131,120 18,131,120 15,558,548 15,558,548
e. Overdraft/TR Loan/WC Loan 50,832,823 50,832,823 52,339,445 52,339,445 39,337,746 39,337,746
f.  Others 7,591,755 7,591,755 7,252,822 7,252,822 6,744,340 6,744,340
2.5 Fixed Assets (Net) 1,073,736 1,050,446 1,052,474 1,028,095 1,066,517 1,054,132
2.6 Non Banking Assets (Net) - - - - - -
2.7 Other Assets 933,605 869,235 930,912 852,478 1,319,804 1,294,437
3 Profit & Loss  Account Up to This Quarter Up to Previous Quarter Up to Corresponding Quarter Previous Year
3.1 Interest Income 6,808,710 6,776,755 4,893,848 4,879,683 5,793,475 5,786,160
3.2 Interest Expense (2,850,423) (2,855,650) (2,178,861) (2,178,861) (2,807,166) (2,807,361)
A. Net Interest Income (3.1-3.2) 3,958,288 3,921,105 2,714,987 2,700,822 2,986,308 2,978,799
3.3 Fees, Commission and Discount 640,741 604,400 494,496 441,644 522,518 497,300
3.4 Other Operating Income 354,493 305,046 218,673 218,673 239,083 237,469
3.5 Foreign Exchange Gain/Loss (Net) 533,265 533,265 377,942 377,942 458,418 458,418
B. Total Operating Income (A.+3.3+3.4+3.5) 5,486,787 5,363,816 3,806,098 3,738,870 4,206,327 4,171,987
3.6 Staff Expenses (589,760) (569,749) (378,570) (365,613 (491,487) (480,139)
3.7 Other Operating Expenses (690,537) (657,913) (459,738) (450,828) (579,621) (572,108)
C. Operating Profit Before Provision (B.-3.6-3.7) 4,206,490 4,136,154 2,967,790 2,922,429 3,135,219 3,119,740
3.8 Provision for Possible Losses (436,465) (436,465) (487,268) (487,268) (573,892) (573,892)
D. Operating Profit (C.-3.8) 3,770,025 3,699,689 2,480,521 2,435,161 2,561,327 2,545,848
3.9 Non Operating Income/Expenses (Net) 19,433 19,433 2,435,161 14,495 14,166 15,592
3.10 Write Back of Provision for Possible Loss 358,690 358,690 428,676 428,676 537,704 537,704
E. Profit from Regular Activities (D+3.9+3.10) 4,148,149 4,077,812 2,923,693 2,878,332 3,113,197 3,099,144
3.11 Extra-ordinary Income/Expenses (Net) 379 379 - - - -
F. Profit before Bonus and Taxes (E+3.11) 4,148,527 4,078,191 2,923,693 2,878,332 3,113,197 3,099,144
3.12 Provision for Staff Bonus (377,139) (370,745) (265,790) (261,667) (283,018) (281,740)
3.13 Provision for Tax (1,172,548) (1,156,563) (795,350) (785,041) (858,790) (855,551)
G. Net Profit/(Loss) (F-3.12-3.13) 2,598,840 2,550,884 1,862,552 1,831,624 1,971,389 1,961,852
3.14 Share of non-controlling interest in Profit of Subsidiary - - - - - -
H. Net Profit/Loss (G-3.14) 2,598,840 2,550,884 1,862,552 1,831,624 1,971,389 1,961,852
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 16.19% 16.19% 16.12% 16.12% 11.90% 11.90%
4.2 Non Performing Loan (NPL) to Total Loan 0.68% 0.68% 0.78% 0.78% 1.25% 1.25%
4.3 Total Loan Loss Provision to Total NPL 261.17% 261.17% 234.71% 234.71% 174.26% 174.26%
4.4 CD Ratio (As per NRB Directives) 75.74% 75.74% 70.05% 70.05% 72.83% 72.83%
4.5 Net Liquid Assets/Total Deposit 31.69% 31.69% 29.81% 29.81% 34.54% 34.54%
4.6 Base Rate 5.08% 5.08% 4.80% 4.80% 6.54% 6.54%
4.7 Average Yield LCY Lending & Investments (As per NRB Directives) 7.21% 7.21% 7.61% 7.61% 8.09% 8.09%
4.8 Cost of Funds LCY Deposits (As per NRB Directives) 2.76% 2.76% 2.65% 2.65% 3.63% 3.63%
4.9 Interest Spread LCY (As per NRB Directives) 4.45% 4.45% 4.96% 4.96% 4.46% 4.46%
4.10 Return on Equity (Closing Annualized) 14.54% 14.32% 14.49% 14.29% 20.07% 20.00%
4.11 Return on Assets (Closing Annualized) 1.98% 1.94% 1.62% 1.81% 1.79% 1.85%
4.12 Earning Per share (EPS Annualized) 35.82 35.16 34.24 33.67 31.07 30.92
4.13 PE Ratio 29.03 29.58 32.10 32.64 22.66 22.77
4.14 Networth Per Share 246.38 245.49 236.28 235.63 154.81 154.54
4.15 Total Assets Per Share 1,811.36 1,810.09 2,115.89 1,862.02 1,736.60 1,667.53

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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