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 Third Quarter (13/04/2015) of the FY 2014-2015 (FY 2071-72) [PDF Format]

 

Figures in NPR('000)

S/N Particulars This Quarter Ending Chaitra end 2071 Previous Quarter Ending Poush end 2071 Corresponding Quarter Previous Year ending Chaitra end 2070
Group NIBL Group NIBL Group NIBL
1 Total Capital and Liabilities (1.1 to 1.8) 95,709,057 95,697,352 94,289,697 94,286,008 84,022,565 84,024,714
1.1 Paid Up Capital 4,771,204 4,771,204 4,771,204 4,771,204 4,146,708 4,146,708
1.2 Reserve and Surplus 4,695,325 4,684,688 4,127,075 4,122,839 4,268,298 4,267,847
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 288,750 288,750 318,804 318,804 331,795 331,795
1.5 Deposit (a+b) 81,165,151 81,168,093 79,925,467 79,926,014 71,321,546 71,324,146
a. Domestic Currency 72,790,083 72,793,025 72,015,670 72,016,217 61,794,952 61,797,552
b. Foreign Currency 8,375,068 8,375,068 7,909,798 7,909,798 9,526,594 9,526,594
1.6 Income Tax Liability (6,884) (8,049) 5,409 5,409 - -
1.7 Other Liabilities 2,995,511 2,992,666 3,341,738 3,341,738 2,654,218 2,654,218
1.8 Non-Controlling Interest - - - - - -
2 Total Assets (2.1 to 2.7) 95,709,057 95,697,352 94,289,697 94,286,008 84,022,565 84,024,714
2.1 Cash and Bank Balance 10,015,195 9,987,330 10,145,483 10,058,316 15,821,169 15,733,016
2.2 Money at Call and Short Notice 200,000 200,000 200,000 200,000 219,190 219,190
2.3 Investments 17,387,811 17,427,219 18,322,046 18,417,759 12,435,924 12,533,724
2.4 Loans and Advances (Gross) 66,149,034 66,149,034 63,744,668 63,744,668 53,567,231 53,567,231
a. Real Estate Loan 4,366,481 4,366,481 4,315,074 4,315,074 5,562,366 5,562,366
1. Residential Real Estate Loan (Except Personal Home Loan upto Rs. 1 Crore) 603,823 603,823 595,820 595,820 536,861 536,861
2. Business Compex & Residential Apartment Construction Loan 1,557,778 1,557,778 1,470,688 1,470,688 1,896,227 1,896,227
3. Income Generating Commercial Complex Loan 78,219 78,219 35,091 35,091 38,645 38,645
4. Other Real Estate Loan (Including Land Purchase and Plotting) 2,126,661 2,126,661 2,213,475 2,213,475 3,090,633 3,090,633
b. Personal Home Loan of Rs. 1 Crore or Less 1,409,056 1,409,056 1,477,420 1,477,420 1,480,882 1,480,882
c. Margin Type Loan 117,044 117,044 44,245 44,245 56,375 56,375
d. Term Loan 13,239,712 13,239,712 10,484,520 10,484,520 8,403,128 8,403,128
e. Overdraft/TR Loan/WC Loan 40,009,199 40,009,199 40,265,667 40,265,667 32,800,708 32,800,708
f.  Others 7,007,541 7,007,541 7,157,742 7,157,742 5,263,771 5,263,771
2.5 Fixed Assets (Net) 1,034,674 1,025,656 1,053,159 1,045,853 1,048,887 1,042,514
2.6 Non Banking Assets (Net) 3,926 3,926 3,926 3,926 35,573 35,573
2.7 Other Assets 918,419 904,187 820,414 815,486 894,592 893,467
3 Profit & Loss  Account Up to This Quarter Up to Previous Quarter Up to Corresponding Quarter Previous Year
3.1 Interest Income 4,228,889 4,224,024 2,777,577 2,774,455 4,310,312 4,306,943
3.2 Interest Expense (2,021,713) (2,021,713) (1,336,255) (1,336,287) (2,142,580) (2,143,420)
A. Net Interest Income (3.1-3.2) 2,207,176 2,202,311 1,441,322 1,438,169 2,167,731 2,163,523
3.3 Fees, Commission and Discount 388,449 377,744 239,478 236,828 338,367 338,367
3.4 Other Operating Income 170,032 167,544 113,256 111,385 153,499 149,427
3.5 Foreign Exchange Gain/Loss (Net) 322,060 322,060 212,754 212,754 336,551 336,551
B. Total Operating Income (A.+3.3+3.4+3.5) 3,087,717 3,069,660 2,006,809 1,999,135 2,996,148 2,987,867
3.6 Staff Expenses (337,228) (329,788) (223,905) (218,829) (294,922) (289,084)
3.7 Other Operating Expenses (404,807) (399,317) (267,518) (264,273) (388,601) (385,769)
C. Operating Profit Before Provision (B.-3.6-3.7) 2,345,683 2,340,554 1,515,386 1,516,034 2,312,626 2,313,014
3.8 Provision for Possible Losses (506,123) (506,123) (363,710) (363,710) (393,243) (393,243)
D. Operating Profit (C.-3.8) 1,839,560 1,834,431 1,151,677 1,152,324 1,919,382 1,919,771
3.9 Non Operating Income/Expenses (Net) 17,934 17,934 1,361 1,361 8,345 8,345
3.10 Write Back of Provision for Possible Loss 565,145 565,145 368,236 368,236 259,267 259,267
E. Profit from Regular Activities (D+3.9+3.10) 2,422,639 2,417,511 1,521,273 1,521,920 2,186,995 2,187,383
3.11 Extra-ordinary Income/Expenses (Net) - - - - 527 527
F. Profit before Bonus and Taxes (E+3.11) 2,422,639 2,417,511 1,521,273 1,521,920 2,187,522 2,187,911
3.12 Provision for Staff Bonus (220,240) (219,774) (138,356) (138,356) (198,901) (198,901)
3.13 Provision for Tax (670,980) (669,814) (417,490) (417,490) (596,998) (596,998)
G. Net Profit/(Loss) (F-3.12-3.13) 1,531,420 1,527,923 965,427 966,074 1,391,623 1,392,011
3.14 Share of non-controlling interest in Profit of Subsidiary - - - - - -
H. Net Profit/Loss (G-3.14) 1,531,420 1,527,923 965,427 966,074 1,391,623 1,392,011
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 11.88% 11.88% 11.92% 11.92% 11.87% 11.87%
4.2 Non Performing Loan (NPL) to Total Loan 1.28% 1.28% 1.13% 1.13% 1.63% 1.63%
4.3 Total Loan Loss Provision to Total NPL 162.66% 162.66% 199.81% 199.81% 161.98% 161.98%
4.4 CD Ratio (As per NRB Directives) 77.42% 77.42% 75.92% 75.92% 74.62% 74.62%
4.5 Net Liquid Assets/Total Deposit 30.25% 30.25% 30.45% 30.45% 36.79% 36.79%
4.6 Base Rate 6.16% 6.16% 6.07% 6.07% 6.89% 6.89%
4.7 Average Yield LCY Lending & Investments (As per NRB Directives) 8.17% 8.17% 8.14% 8.14% 10.29% 10.29%
4.8 Cost of Funds LCY Deposits (As per NRB Directives) 3.67% 3.67% 3.60% 3.60% 4.19% 4.19%
4.9 Interest Spread LCY (As per NRB Directives) 4.50% 4.50% 4.54% 4.54% 6.10% 6.10%
4.10 Return on Equity (Closing Annualized) 21.57% 21.54% 21.70% 21.72% 22.05% 22.06%
4.11 Return on Assets (Closing Annualized) 2.13% 2.13% 2.05% 2.05% 2.21% 2.21%
4.12 Earning Per share (EPS Annualized) 42.80 42.70 40.47 40.50 44.75 44.76
4.13 PE Ratio 16.54 16.58 18.04 18.03 19.24 19.24
4.14 Networth Per Share 198.41 198.19 186.50 186.41 202.93 202.92
4.15 Total Assets Per Share 2,005.97 2,005.73 1,976.22 1,976.15 2,026.25 2,026.30

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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