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)
Unaudited Financial Results (Quarterly)

As at Fourth Quarter (16/07/2015) of the FY 2014-2015 (FY 2071-72) [PDF Format]

 

Figures in NPR('000)

S/N Particulars This Quarter Ending Ashad end 2072 Previous Quarter Ending Chaitra end 2071 Corresponding Quarter Previous Year ending Ashad end 2071
Group NIBL Group NIBL Group NIBL
1 Total Capital and Liabilities (1.1 to 1.8) 109,555,249 105,820,393 95,709,057 95,697,352 87,618,310 87,612,632
1.1 Paid Up Capital 4,771,204 4,771,204 4,771,204 4,771,204 4,768,714 4,768,714
1.2 Reserve and Surplus 5,138,446 5,121,009 4,695,325 4,684,688 3,163,905 3,156,765
1.3 Debenture and Bond 1,550,000 1,550,000 1,800,000 1,800,000 1,050,000 1,050,000
1.4 Borrowings 263,116 263,116 288,750 288,750 424,340 424,340
1.5 Deposit (a+b) 90,630,660 90,631,487 81,165,151 81,168,093 73,828,084 73,831,376
a. Domestic Currency 80,856,057 80,856,884 72,790,083 72,793,025 65,518,542 65,521,816
b. Foreign Currency 9,774,603 9,774,603 8,375,068 8,375,068 8,309,560 8,309,560
1.6 Income Tax Liability 3,432 - (6,884) (8,049) - -
1.7 Other Liabilities 7,198,391 3,483,577 2,995,511 2,992,666 4,383,267 4,381,438
1.8 Non-Controlling Interest - - - - - -
2 Total Assets (2.1 to 2.7) 109,555,249 105,820,393 95,709,057 95,697,352 87,618,310 87,612,632
2.1 Cash and Bank Balance 18,041,469 14,315,048 10,015,195 9,987,330 16,825,948 16,744,711
2.2 Money at Call and Short Notice - - 200,000 200,000 232,275 232,375
2.3 Investments 21,433,179 21,462,588 17,387,811 17,427,219 15,283,226 15,393,529
2.4 Loans and Advances (Gross) 67,690,199 67,690,199 66,149,034 66,149,034 53,458,470 53,458,470
a. Real Estate Loan 4,549,507 4,549,507 4,366,481 4,366,481 4,961,595 4,961,595
1. Residential Real Estate Loan (Except Personal Home Loan upto Rs. 1 Crore) 437,454 437,454 603,823 603,823 542,695 542,695
2. Business Compex & Residential Apartment Construction Loan 1,919,381 1,919,381 1,557,778 1,557,778 1,734,252 1,734,252
3. Income Generating Commercial Complex Loan 73,740 73,740 78,219 78,219 36,824 36,824
4. Other Real Estate Loan (Including Land Purchase and Plotting) 2,118,932 2,118,932 2,126,661 2,126,661 2,647,824 2,647,824
b. Personal Home Loan of Rs. 1 Crore or Less 1,447,741 1,447,741 1,409,056 1,409,056 1,479,546 1,479,546
c. Margin Type Loan 52,316 52,316 117,044 117,044 48,505 48,505
d. Term Loan 15,558,548 15,558,548 13,239,712 13,239,712 9,124,992 9,124,992
e. Overdraft/TR Loan/WC Loan 39,337,746 39,337,746 40,009,199 40,009,199 32,507,649 32,507,649
f.  Others 6,744,340 6,744,340 7,007,541 7,007,541 5,336,182 5,336,182
2.5 Fixed Assets (Net) 1,066,517 1,054,132 1,034,674 1,025,656 1,064,550 1,058,313
2.6 Non Banking Assets (Net) 3,926 3,926 3,926 3,926 - -
2.7 Other Assets 1,319,959 1,294,501 918,419 904,187 753,741 735,234
3 Profit & Loss  Account Up to This Quarter Up to Previous Quarter Up to Corresponding Quarter Previous Year
3.1 Interest Income 5,793,434 5,786,160 4,228,889 4,224,024 5,820,592 5,816,279
3.2 Interest Expense (2,807,166) (2,807,361) (2,021,713) (2,021,713) (2,818,806) (2,820,475)
A. Net Interest Income (3.1-3.2) 2,986,268 2,978,799 2,207,176 2,202,311 3,001,786 2,995,804
3.3 Fees, Commission and Discount 514,080 497,300 388,449 377,744 479,699 478,608
3.4 Other Operating Income 246,628 237,469 170,032 167,544 225,559 211,346
3.5 Foreign Exchange Gain/Loss (Net) 458,418 458,418 322,060 322,060 460,227 460,227
B. Total Operating Income (A.+3.3+3.4+3.5) 4,205,394 4,171,987 3,087,717 3,069,660 4,167,270 4,145,985
3.6 Staff Expenses (492,081) (480,732) (337,228) (329,788) (446,527) (437,766)
3.7 Other Operating Expenses (579,065) (572,108) (404,807) (399,317) (542,960) (539,331)
C. Operating Profit Before Provision (B.-3.6-3.7) 3,134,248 3,119,147 2,345,683 2,340,554 3,177,783 3,168,889
3.8 Provision for Possible Losses (571,391) (571,391) (506,123) (506,123) (277,278) (277,278)
D. Operating Profit (C.-3.8) 2,562,858 2,547,756 1,839,560 1,834,431 2,900,504 2,891,610
3.9 Non Operating Income/Expenses (Net) 15,592 15,592 17,934 17,934 11,841 11,841
3.10 Write Back of Provision for Possible Loss 537,704 537,704 565,145 565,145 139,148 139,148
E. Profit from Regular Activities (D+3.9+3.10) 3,116,154 3,101,052 2,422,639 2,417,511 3,051,494 3,042,600
3.11 Extra-ordinary Income/Expenses (Net) - - - - 527 527
F. Profit before Bonus and Taxes (E+3.11) 3,116,154 3,101,052 2,422,639 2,417,511 3,052,021 3,043,127
3.12 Provision for Staff Bonus (283,287) (281,914) (220,240) (219,774) (277,456) (276,648)
3.13 Provision for Tax (858,326) (854,894) (670,980) (669,814) (826,867) (826,867)
G. Net Profit/(Loss) (F-3.12-3.13) 1,974,541 1,964,244 1,531,420 1,527,923 1,947,698 1,939,612
3.14 Share of non-controlling interest in Profit of Subsidiary - - - - - -
H. Net Profit/Loss (G-3.14) 1,974,541 1,964,244 1,531,420 1,527,923 1,947,698 1,939,612
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 11.99% 11.99% 11.88% 11.88% 11.27% 11.27%
4.2 Non Performing Loan (NPL) to Total Loan 1.25% 1.25% 1.28% 1.28% 1.77% 1.77%
4.3 Total Loan Loss Provision to Total NPL 173.96% 173.96% 162.66% 162.66% 151.90% 151.90%
4.4 CD Ratio (As per NRB Directives) 72.76% 72.76% 77.42% 77.42% 71.86% 71.86%
4.5 Net Liquid Assets/Total Deposit 34.54% 34.54% 30.25% 30.25% 41.41% 41.41%
4.6 Base Rate 6.54% 6.54% 6.16% 6.16% 6.94% 6.94%
4.7 Average Yield LCY Lending & Investments (As per NRB Directives) 8.09% 8.09% 8.17% 8.17% 9.32% 9.32%
4.8 Cost of Funds LCY Deposits (As per NRB Directives) 3.63% 3.63% 3.67% 3.67% 3.91% 3.91%
4.9 Interest Spread LCY (As per NRB Directives) 4.46% 4.46% 4.50% 4.50% 5.41% 5.41%
4.10 Return on Equity (Closing Annualized) 19.93% 19.86% 21.57% 21.54% 24.55% 20.24%
4.11 Return on Assets (Closing Annualized) 1.80% 1.86% 2.13% 2.13% 2.22% 2.21%
4.12 Earning Per share (EPS Annualized) 41.38 41.17 42.80 42.70 40.48 40.67
4.13 PE Ratio 17.01 17.10 16.54 16.58 23.50 23.60
4.14 Networth Per Share 207.70 207.33 198.41 198.19 166.35 166.20
4.15 Total Assets Per Share 2,296.18 2,217.90 2,005.97 2,005.73 1,837.36 1,837.24

Notes

 

  1. Previous quarters' figures have been regrouped and rearranged where-ever 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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