Financial Highlights
Article Index
Financial Highlights
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)


As at Fourth Quarter (15/07/2017) of the FY 2016-2017 (FY 2073-74) [PDF Format]

 

Figures in NPR('000)

S/N Particulars This Quarter Ending Ashad end 2074 Previous Quarter Ending Chaitra end 2073 Corresponding Quarter Previous Year ending Ashad end 2073 (audited)
Group NIBL Group NIBL Group NIBL
1 Total Capital and Liabilities (1.1 to 1.8) 154,787,342 152,857,407 148,045,341 143,878,982 135,637,863 131,331,446
1.1 Paid Up Capital 9,240,379 9,240,379 8,746,913 8,746,913 8,706,612 8,706,612
1.2 Reserve and Surplus 11,966,239 11,780,167 10,092,513 9,958,839 7,650,217 7,581,140
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 241,324 241,324 241,089 241,089 250,480 250,480
1.5 Deposit (a+b) 125,476,380 125,669,355 119,796,795 119,811,451 108,596,082 108,626,642
a. Domestic Currency 114,730,312 114,923,286 108,135,221 108,149,877 95,164,796 95,195,356
b. Foreign Currency 10,746,069 10,746,069 11,661,574 11,661,574 13,431,286 13,431,286
1.6 Income Tax Liability - - (10,661) (10,661) - -
1.7 Other Liabilities 6,313,019 4,376,182 7,628,691 3,581,351 8,884,474 4,616,573
1.8 Non-Controlling Interest - - - - - -
2 Total Assets (2.1 to 2.7) 154,787,342 152,857,407 148,045,341 143,878,982 135,637,863 131,331,446
2.1 Cash and Bank Balance 19,734,681 17,897,590 17,986,826 13,882,001 17,277,099 13,025,832
2.2 Money at Call and Short Notice 40,000 40,000 200,000 200,000 149,380 149,380
2.3 Investments 25,596,053 25,615,645 25,348,537 25,366,900 29,187,388 29,226,762
2.4 Loans and Advances (Gross) 106,683,877 106,683,877 101,946,234 101,946,234 87,009,792 87,009,792
a. Real Estate Loan 5,756,185 5,756,185 4,978,345 4,978,345 5,334,596 5,334,596
1. Residential Real Estate Loan (Except Personal Home Loan upto Rs. 1 Crore) 448,059 448,059 450,086 450,086 531,382 531,382
2. Business Compex Residential Apartment Construction Loan 1,656,801 1,656,801 1,538,779 1,538,779 2,465,171 2,465,171
3. Income Generating Commercial Complex Loan 802,460 802,460 779,941 779,941 177,223 177,223
4. Other Real Estate Loan (Including Land Purchase and Plotting) 2,848,865 2,848,865 2,209,540 2,209,540 2,160,820 2,160,820
b. Personal Home Loan of Rs. 1 Crore or Less 2,118,552 2,118,552 1,204,015 1,204,015 1,273,593 1,273,593
c. Margin Type Loan 1,682,906 1,682,906 849,219 849,219 603,618 603,618
d. Term Loan 28,855,445 28,855,445 24,748,521 24,748,521 21,373,407 21,373,407
e. Overdraft/TR Loan/WC Loan 55,933,412 55,933,412 58,572,648 58,572,648 50,832,823 50,832,823
f. Others 12,337,377 12,337,377 11,593,486 11,593,486 7,591,755 7,591,755
2.5 Fixed Assets (Net) 1,307,293 1,274,897 1,109,825 1,081,114 1,073,736 1,050,446
2.6 Non Banking Assets (Net) - - - - - -
2.7 Other Assets 1,425,438 1,345,397 1,453,918 1,402,733 940,468 869,235
3 Profit Loss Account Up to This Quarter Up to Previous Quarter Up to Corresponding Quarter Previous Year
3.1 Interest Income 9,385,518 9,248,699 6,424,193 6,354,773 6,856,958 6,776,755
3.2 Interest Expense (4,441,059) (4,464,552) (2,857,502) (2,876,592) (2,844,418) (2,855,650)
A. Net Interest Income (3.1-3.2) 4,944,459 4,784,147 3,566,691 3,478,181 4,012,541 3,921,105
3.3 Fees, Commission and Discount 909,419 814,827 695,769 623,028 595,231 604,400
3.4 Other Operating Income 410,257 385,187 280,449 267,196 304,446 305,046
3.5 Foreign Exchange Gain/Loss (Net) 621,432 621,432 464,216 464,216 533,265 533,265
B. Total Operating Income (A.+3.3+3.4+3.5) 6,885,567 6,605,593 5,007,125 4,832,620 5,445,483 5,363,816
3.6 Staff Expenses (701,960) (665,839) (457,330) (434,572) (589,880) (569,749)
3.7 Other Operating Expenses (747,797) (699,685) (532,213) (504,982) (685,799) (657,913)
C. Operating Profit Before Provision (B.-3.6-3.7) 5,435,810 5,240,068 4,017,583 3,893,066 4,169,804 4,136,154
3.8 Provision for Possible Losses (438,098) (438,098) (435,705) (435,705) (436,465) (436,465)
D. Operating Profit (C.-3.8) 4,997,712 4,801,970 3,581,877 3,457,361 3,733,339 3,699,689
3.9 Non Operating Income/Expenses (Net) 80,005 79,879 73,605 73,605 62,764 19,433
3.10 Write Back of Provision for Possible Loss 96,120 96,120 205,418 205,418 358,709 358,690
E. Profit from Regular Activities (D+3.9+3.10) 5,173,837 4,977,969 3,860,901 3,736,384 4,154,812 4,077,812
3.11 Extra-ordinary Income/Expenses (Net) 20,273 20,273 - - 379 379
F. Profit before Bonus and Taxes (E+3.11) 5,194,110 4,998,243 3,860,901 3,736,384 4,155,190 4,078,191
3.12 Provision for Staff Bonus (467,670) (454,386) (350,991) (339,671) (377,745) (370,745)
3.13 Provision for Tax (1,429,460) (1,383,789) (1,047,313) (1,019,014) (1,174,162) (1,156,563)
G. Net Profit/(Loss) (F-3.12-3.13) 3,296,980 3,160,069 2,462,597 2,377,699 2,603,283 2,550,884
3.14 Share of non-controlling interest in Profit of Subsidiary - - - - - -
H. Net Profit/Loss (G-3.14) 3,296,980 3,160,069 2,462,597 2,377,699 2,603,283 2,550,884
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 14.47% 14.47% 13.78% 13.78% 14.92% 14.92%
4.2 Non Performing Loan (NPL) to Total Loan 0.83% 0.83% 0.64% 0.64% 0.68% 0.68%
4.3 Total Loan Loss Provision to Total NPL 223.71% 223.71% 266.86% 266.86% 261.17% 261.17%
4.4 CD Ratio (As per NRB Directives) 77.63% 77.63% 78.04% 78.04% 76.78% 76.78%
4.5 Net Liquid Assets/Total Deposit 30.43% 30.43% 27.97% 27.97% 29.81% 29.81%
4.6 Base Rate 8.36% 8.36% 6.89% 6.89% 5.08% 5.08%
4.7 Average Yield LCY Lending Investments (As per NRB Directives) 9.73% 9.73% 9.42% 9.42% 7.61% 7.61%
4.8 Cost of Funds LCY Deposits (As per NRB Directives) 5.84% 5.84% 4.55% 4.55% 2.65% 2.65%
4.9 Interest Spread LCY (As per NRB Directives) 3.90% 3.90% 4.88% 4.88% 4.96% 4.96%
4.10 Return on Equity (Closing Annualized) 15.55% 15.03% 17.43% 16.95% 15.92% 15.66%
4.11 Return on Assets (Closing Annualized) 2.13% 2.07% 2.22% 2.20% 1.92% 1.94%
4.12 Earning Per share (EPS Annualized) 35.68 34.20 37.54 36.24 29.90 29.30
4.13 PE Ratio 21.58 22.52 21.34 22.10 34.78 35.50
4.14 Networth Per Share 229.50 227.49 215.38 213.86 187.87 187.07
4.15 Total Assets Per Share 1,675.12 1,654.23 1,692.54 1,644.91 1,557.87 1,508.41

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% 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 CD ratio mentioned in 4.4 above is calculated without considering the relaxation given by NRB vide its Circular No. 15/2073/74 dated 19/11/2074.
  • 6) The above results have been prepared as per NRB directives and may differ on measurement under NFRS.

 



 

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