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)
Unaudited Financial Results (Quarterly)

As at Second Quarter (14/01/2015) of the FY 2014-2015 (FY 2071-72) [PDF Format]

 

Figures in NPR('000)

S/N Particulars This Quarter Ending Poush end 2071 Previous Quarter Ending Ashwin end 2071 (audited) Corresponding Quarter Previous Year ending Poush end 2070
Group NIBL Group NIBL Group NIBL
1 Total Capital and Liabilities (1.1 to 1.8) 94,289,697 94,286,008 89,426,147 89,424,410 84,510,798 84,514,465
1.1 Paid Up Capital 4,771,204 4,771,204 4,768,714 4,768,714 4,146,708 4,146,708
1.2 Reserve and Surplus 4,127,075 4,122,839 3,652,318 3,648,083 3,817,069 3,814,644
1.3 Debenture and Bond 1,800,000 1,800,000 1,800,000 1,800,000 1,300,000 1,300,000
1.4 Borrowings 318,804 318,804 407,821 407,821 436,057 436,057
1.5 Deposit (a+b) 79,925,467 79,926,014 74,938,731 74,941,229 71,990,337 71,996,429
a. Domestic Currency 72,015,670 72,016,217 66,196,557 66,199,056 60,910,293 60,916,385
b. Foreign Currency 7,909,798 7,909,798 8,742,173 8,742,173 11,080,044 11,080,044
1.6 Income Tax Liability 5,409 5,409 132,099 132,099 - -
1.7 Other Liabilities 3,341,738 3,341,738 3,726,464 3,726,464 2,820,627 2,820,627
1.8 Non-Controlling Interest - - - - - -
2 Total Assets (2.1 to 2.7) 94,289,697 94,286,008 89,426,147 89,424,410 84,510,798 84,514,465
2.1 Cash and Bank Balance 10,145,483 10,058,316 9,332,713 9,247,497 17,246,895 17,154,428
2.2 Money at Call and Short Notice 200,000 200,000 800,000 800,000 1,239,220 1,239,220
2.3 Investments 18,322,046 18,417,759 17,737,340 17,833,053 11,718,357 11,818,628
2.4 Loans and Advances (Gross) 63,744,668 63,744,668 59,818,119 59,818,119 52,250,960 52,250,960
a. Real Estate Loan 4,315,074 4,315,074 4,483,350 4,483,350 5,695,086 5,695,086
1. Residential Real Estate Loan (Except Personal Home Loan upto Rs. 1 Crore) 595,820 595,820 597,471 597,471 576,227 576,227
2. Business Compex & Residential Apartment Construction Loan 1,470,688 1,470,688 1,496,026 1,496,026 1,893,787 1,893,787
3. Income Generating Commercial Complex Loan 35,091 35,091 38,807 38,807 40,063 40,063
4. Other Real Estate Loan (Including Land Purchase and Plotting) 2,213,475 2,213,475 2,351,047 2,351,047 3,185,008 3,185,008
b. Personal Home Loan of Rs. 1 Crore or Less 1,477,420 1,477,420 1,497,447 1,497,447 1,478,838 1,478,838
c. Margin Type Loan 44,245 44,245 63,213 63,213 53,647 53,647
d. Term Loan 10,484,520 10,484,520 9,819,781 9,819,781 8,051,442 8,051,442
e. Overdraft/TR Loan/WC Loan 40,265,667 40,265,667 37,842,504 37,842,504 31,573,558 31,573,558
f.  Others 7,157,742 7,157,742 6,111,822 6,111,822 5,398,389 5,398,389
2.5 Fixed Assets (Net) 1,053,159 1,045,853 1,071,637 1,064,331 1,065,430 1,061,708
2.6 Non Banking Assets (Net) 3,926 3,926 3,926 3,926 - -
2.7 Other Assets 820,414 815,486 662,413 657,484 989,936 989,522
3 Profit & Loss  Account Up to This Quarter Up to Previous Quarter Up to Corresponding Quarter Previous Year
3.1 Interest Income 2,777,577 2,774,455 1,373,686 1,372,573 2,901,521 2,898,573
3.2 Interest Expense (1,336,255) (1,336,287) (668,168) (668,168) (1,482,048) (1,482,888)
A. Net Interest Income (3.1-3.2) 1,441,322 1,438,169 705,518 704,405 1,419,474 1,415,686
3.3 Fees, Commission and Discount 239,478 236,828 129,130 128,910 209,984 209,984
3.4 Other Operating Income 113,256 111,385 43,940 43,940 127,248 123,221
3.5 Foreign Exchange Gain/Loss (Net) 212,754 212,754 98,918 98,918 244,889 244,889
B. Total Operating Income (A.+3.3+3.4+3.5) 2,006,809 1,999,135 977,506 976,174 2,001,595 1,993,779
3.6 Staff Expenses (223,905) (218,829) (111,322) (108,651) (196,716) (193,133)
3.7 Other Operating Expenses (267,518) (264,273) (132,456) (130,889) (252,796) (250,678)
C. Operating Profit Before Provision (B.-3.6-3.7) 1,515,386 1,516,034 733,728 736,633 1,552,083 1,549,968
3.8 Provision for Possible Losses (363,710) (363,710) (197,912) (197,912) (287,548) (287,548)
D. Operating Profit (C.-3.8) 1,151,677 1,152,324 535,815 538,720 1,264,535 1,262,421
3.9 Non Operating Income/Expenses (Net) 1,361 1,361 1,361 1,361 556 556
3.10 Write Back of Provision for Possible Loss 368,236 368,236 235,793 235,793 212,757 212,757
E. Profit from Regular Activities (D+3.9+3.10) 1,521,273 1,521,920 772,969 775,874 1,477,848 1,475,734
3.11 Extra-ordinary Income/Expenses (Net) - - - - - -
F. Profit before Bonus and Taxes (E+3.11) 1,521,273 1,521,920 772,969 775,874 1,477,848 1,475,734
3.12 Provision for Staff Bonus (138,356) (138,356) (70,534) (70,534) (134,158) (134,158)
3.13 Provision for Tax (417,490) (417,490) (214,023) (214,023) (403,297) (402,768)
G. Net Profit/(Loss) (F-3.12-3.13) 965,427 966,074 488,412 491,318 940,394 938,808
3.14 Share of non-controlling interest in Profit of Subsidiary - - - - - -
H. Net Profit/Loss (G-3.14) 965,427 966,074 488,412 491,318 940,394 938,808
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 11.92% 11.92% 12.00% 12.00% 11.52% 11.52%
4.2 Non Performing Loan (NPL) to Total Loan 1.13% 1.13% 1.55% 1.55% 1.76% 1.76%
4.3 Total Loan Loss Provision to Total NPL 199.81% 199.81% 150.41% 150.41% 149.23% 149.23%
4.4 CD Ratio (As per NRB Directives) 75.92% 75.92% 78.10% 78.10% 73.78% 73.78%
4.5 Net Liquid Assets/Total Deposit 30.45% 30.45% 32.29% 32.29% 38.93% 38.93%
4.6 Base Rate 6.07% 6.07% 6.49% 6.49% 7.07% 7.07%
4.7 Average Yield LCY Lending & Investments (As per NRB Directives) 8.14% 8.14% 8.21% 8.21% 10.74% 10.74%
4.8 Cost of Funds LCY Deposits (As per NRB Directives) 3.60% 3.60% 3.69% 3.69% 4.41% 4.41%
4.9 Interest Spread LCY (As per NRB Directives) 4.54% 4.54% 4.52% 4.52% 6.33% 6.33%
4.10 Return on Equity (Closing Annualized) 21.70% 21.72% 23.20% 23.35% 23.62% 23.58%
4.11 Return on Assets (Closing Annualized) 2.05% 2.05% 2.18% 2.20% 2.23% 2.22%
4.12 Earning Per share (EPS Annualized) 40.47 40.50 40.97 41.21 45.36 45.28
4.13 PE Ratio 18.04 18.03 18.67 18.56 22.27 22.31
4.14 Networth Per Share 186.50 186.41 176.59 176.50 192.05 191.99
4.15 Total Assets Per Share 1,976.22 1,976.15 1,875.27 1,875.23 2,038.02 2,038.11

Notes:

  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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