Financial Highlights
Article Index
Financial Highlights
Unaudited Financials(II Qtr 74/75)
Unaudited Financials(I Qtr 74/75)
Unaudited Financials(IV Qtr 73/74)
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)

Second Quarterly Report

As at 14/01/2018 of the FY 2017-2018 (FY 2074-75) [PDF Format]

Figures in NPR('000)

S/N Particulars This Quarter Ending Poush end 2074 Previous Quarter Ending Ashwin end 2074 Corresponding Quarter Previous Year ending Poush end 2073
Group NIBL Group NIBL Group NIBL
1 Total Capital and Liabilities (1.1 to 1.8) 158,956,970 158,282,501 161,782,594 159,765,496 143,460,113 139,831,921
1.1 Paid Up Capital 10,724,936 10,626,436 10,626,436 10,626,436 8,706,612 8,706,612
1.2 Reserve and Surplus 9,965,124 9,911,933 9,118,381 8,976,442 9,299,557 9,166,107
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 1,438,272 1,438,272 242,967 242,967 255,409 255,409
1.5 Deposit (a+b) 129,695,747 129,845,324 131,052,822 131,293,472 116,603,841 116,607,705
a. Domestic Currency 118,555,575 118,705,152 118,367,822 118,608,472 104,097,406 104,101,269
b. Foreign Currency 11,140,172 11,140,172 12,685,000 12,685,000 12,506,436 12,506,436
1.6 Income Tax Liability 27,476 27,476 228,033 228,033 60,599 60,599
1.7 Other Liabilities 5,555,415 4,883,060 8,963,955 6,848,146 6,984,095 3,485,489
1.8 Non-Controlling Interest - - - - - -
2 Total Assets (2.1 to 2.7) 158,956,970 158,282,501 161,782,594 159,765,496 143,460,113 139,831,921
2.1 Cash and Bank Balance 14,792,838 14,227,669 19,801,410 17,832,554 14,418,696 10,875,856
2.2 Money at Call and Short Notice 203,000 203,000 465,755 465,755 1,508,800 1,508,800
2.3 Investments 27,372,399 27,374,892 30,660,663 30,721,159 28,617,480 28,650,919
2.4 Loans and Advances (Gross) 113,671,155 113,671,155 107,968,136 107,968,136 96,709,906 96,709,906
a. Real Estate Loan 5,623,946 5,623,946 5,773,481 5,773,481 5,026,088 5,026,088
1. Residential Real Estate Loan (Except Personal Home Loan upto Rs. 1.5 Crore) 359,355 359,355 466,393 466,393 466,655 466,655
2. Business Compex Residential Apartment Construction Loan 1,516,709 1,516,709 1,619,387 1,619,387 1,552,717 1,552,717
3. Income Generating Commercial Complex Loan 671,302 671,302 686,760 686,760 785,492 785,492
4. Other Real Estate Loan (Including Land Purchase and Plotting) 3,076,581 3,076,581 3,000,942 3,000,942 2,221,224 2,221,224
b. Personal Home Loan of Rs. 1 Crore or Less 2,082,243 2,082,243 1,987,317 1,987,317 1,224,486 1,224,486
c. Margin Type Loan 1,710,881 1,710,881 1,701,027 1,701,027 728,730 728,730
d. Term Loan 29,837,681 29,837,681 29,102,646 29,102,646 23,653,972 23,653,972
e. Overdraft/TR Loan/WC Loan 63,526,642 63,526,642 58,282,393 58,282,393 57,350,217 57,350,217
f.Others 10,889,761 10,889,761 11,121,271 11,121,271 8,726,413 8,726,413
2.5 Fixed Assets (Net) 1,326,810 1,295,011 1,334,514 1,302,703 1,108,606 1,080,107
2.6 Non Banking Assets (Net) - - - - - -
2.7 Other Assets 1,590,767 1,510,774 1,552,116 1,475,190 1,096,626 1,006,334
3 Profit LossAccount Up to This Quarter Up to Previous Quarter Up to Corresponding Quarter Previous Year
3.1 Interest Income 6,420,115 6,394,564 3,223,171 3,209,370 4,043,556 4,001,263
3.2 Interest Expense (3,704,187) (3,708,937) (1,881,278) (1,883,524) (1,665,341) (1,678,823)
A. Net Interest Income (3.1-3.2) 2,715,929 2,685,628 1,341,894 1,325,846 2,378,215 2,322,441
3.3 Fees, Commission and Discount 537,699 498,001 236,428 213,073 439,982 390,860
3.4 Other Operating Income 186,070 179,086 83,843 82,154 198,323 190,978
3.5 Foreign Exchange Gain/Loss (Net) 306,089 306,089 156,214 156,214 318,988 318,988
B. Total Operating Income (A.+3.3+3.4+3.5) 3,745,786 3,668,803 1,818,380 1,777,287 3,335,508 3,223,267
3.6 Staff Expenses (403,389) (383,401) (201,090) (190,679) (305,239) (290,186)
3.7 Other Operating Expenses (396,493) (377,843) (190,719) (181,123) (344,421) (328,377)
C. Operating Profit Before Provision (B.-3.6-3.7) 2,945,903 2,907,559 1,426,571 1,405,485 2,685,848 2,604,703
3.8 Provision for Possible Losses (461,119) (461,119) (185,534) (185,534) (280,214) (280,214)
D. Operating Profit (C.-3.8) 2,484,784 2,446,440 1,241,036 1,219,951 2,405,634 2,324,489
3.9 Non Operating Income/Expenses (Net) 101,400 101,471 91,140 88,536 53,635 53,635
3.10 Write Back of Provision for Possible Loss 328,565 328,565 97,933 97,933 112,539 112,539
E. Profit from Regular Activities (D+3.9+3.10) 2,914,749 2,876,476 1,430,109 1,406,419 2,571,808 2,490,663
3.11 Extra-ordinary Income/Expenses (Net) - - - - - -
F. Profit before Bonus and Taxes (E+3.11) 2,914,749 2,876,476 1,430,109 1,406,419 2,571,808 2,490,663
3.12 Provision for Staff Bonus (264,899) (261,498) (129,676) (127,856) (233,801) (226,424)
3.13 Provision for Tax (793,211) (784,493) (389,036) (383,569) (697,714) (679,272)
G. Net Profit/(Loss) (F-3.12-3.13) 1,856,639 1,830,485 911,396 894,994 1,640,294 1,584,968
3.14 Share of non-controlling interest in Profit of Subsidiary - - - - - -
H. Net Profit/Loss (G-3.14) 1,856,639 1,830,485 911,396 894,994 1,640,294 1,584,968
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 13.07% 13.07% 12.78% 12.78% 14.28% 14.28%
4.2 Non Performing Loan (NPL) to Total Loan 1.12% 1.12% 1.04% 1.04% 0.70% 0.70%
4.3 Total Loan Loss Provision to Total NPL 176.28% 176.28% 191.98% 191.98% 252.56% 252.56%
4.4 CD Ratio (As per NRB Directives) 78.47% 78.47% 75.92% 75.92% 78.03% 78.03%
4.5 Net Liquid Assets/Total Deposit 27.46% 27.46% 35.13% 35.13% 30.75% 30.75%
4.6 Base Rate 9.00% 9.00% 8.91% 8.91% 5.69% 5.69%
4.7 Average Yield LCY Lending Investments (As per NRB Directives) 10.26% 10.26% 10.40% 10.40% 7.99% 7.99%
4.8 Cost of Funds LCY Deposits (As per NRB Directives) 6.21% 6.21% 6.08% 6.08% 3.53% 3.53%
4.9 Interest Spread LCY (As per NRB Directives) 4.05% 4.05% 4.32% 4.32% 4.46% 4.46%
4.10 Return on Equity (Closing Annualized) 17.95% 17.83% 18.46% 18.26% 18.22% 17.74%
4.11 Return on Assets (Closing Annualized) 2.34% 2.31% 2.25% 2.24% 2.29% 2.27%
4.12 Earning Per share (EPS Annualized) 34.62 34.45 34.31 33.69 37.68 36.41
4.13 PE Ratio 18.98 19.07 18.95 19.29 18.98 19.64
4.14 Networth Per Share 192.92 193.28 185.81 184.47 206.81 205.28
4.15 Total Assets Per Share 1,482.13 1,489.52 1,522.45 1,503.47 1,647.71 1,606.04

NOTE:

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% subsidiaries NIBL Capital Markets Ltd. & Ace Capital Ltd.
4) Intercompany transactions among the Group have been eliminated in the above statement related to the Group.
5) The above results have been prepared as per NRB directives and may differ on measurement under NFRS.



 

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