Financial Highlights
Article Index
Financial Highlights
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 First Quarter (17/10/2015) of the FY 2015-2016 (FY 2072-73) [PDF Format]

 

Figures in NPR('000)

S/N Particulars This Quarter Ending Ashwin end 2072 Previous Quarter Ending Ashad end 2072  (Audited) Corresponding Quarter Previous Year ending Ashwin end 2071
Group NIBL Group NIBL Group NIBL
1 Total Capital and Liabilities (1.1 to 1.8) 111,784,656 111,469,739 110,199,286 105,816,403 89,422,221 89,420,485
1.1 Paid Up Capital 6,345,701 6,345,701 6,345,701 6,345,701 4,768,714 4,768,714
1.2 Reserve and Surplus 3,907,705 3,885,086 3,477,929 3,461,252 3,652,318 3,648,083
1.3 Debenture and Bond 1,550,000 1,550,000 1,550,000 1,550,000 1,800,000 1,800,000
1.4 Borrowings 274,548 274,548 263,116 263,116 407,821 407,821
1.5 Deposit (a+b) 95,897,811 95,902,778 90,630,660 90,631,487 74,938,731 74,941,229
a. Domestic Currency 86,789,897 86,794,864 80,856,057 80,856,884 66,196,557 66,199,056
b. Foreign Currency 9,107,914 9,107,914 9,774,603 9,774,603 8,742,173 8,742,173
1.6 Income Tax Liability 78,292 78,292 - - 132,099 132,099
1.7 Other Liabilities 3,730,600 3,433,336 7,931,880 3,564,847 3,722,538 3,722,538
1.8 Non-Controlling Interest - - - - -
2 Total Assets (2.1 to 2.7) 111,784,656 111,469,739 110,199,286 105,816,403 89,422,221 89,420,485
2.1 Cash and Bank Balance 16,387,250 16,075,392 18,689,605 14,315,048 9,332,713 9,247,497
2.2 Money at Call and Short Notice 272,590 272,590 - - 800,000 800,000
2.3 Investments 19,136,567 19,173,429 21,433,161 21,462,588 17,737,340 17,833,053
2.4 Loans and Advances (Gross) 74,110,818 74,110,818 67,690,199 67,690,199 59,818,119 59,818,119
a. Real Estate Loan 4,456,258 4,456,258 4,549,507 4,549,507 4,483,350 4,483,350
1. Residential Real Estate Loan (Except Personal Home Loan upto Rs. 1 Crore) 472,274 472,274 437,454 437,454 597,471 597,471
2. Business Compex & Residential Apartment Construction Loan 1,764,754 1,764,754 1,919,381 1,919,381 1,496,026 1,496,026
3. Income Generating Commercial Complex Loan 183,932 183,932 73,740 73,740 38,807 38,807
4. Other Real Estate Loan (Including Land Purchase and Plotting) 2,035,298 2,035,298 2,118,932 2,118,932 2,351,047 2,351,047
b. Personal Home Loan of Rs. 1 Crore or Less 1,400,322 1,400,322 1,447,741 1,447,741 1,497,447 1,497,447
c. Margin Type Loan 508,274 508,274 52,316 52,316 63,213 63,213
d. Term Loan 16,424,792 16,424,792 15,558,548 15,558,548 9,819,781 9,819,781
e. Overdraft/TR Loan/WC Loan 44,157,771 44,157,771 39,337,746 39,337,746 37,842,504 37,842,504
f.  Others 7,163,401 7,163,401 6,744,340 6,744,340 6,111,822 6,111,822
2.5 Fixed Assets (Net) 1,066,398 1,052,896 1,066,517 1,054,132 1,071,637 1,064,331
2.6 Non Banking Assets (Net) - - - - - -
2.7 Other Assets 811,032 784,614 1,319,804 1,294,437 662,413 657,484
3 Profit & Loss  Account Up to This Quarter Up to Previous Quarter Up to Corresponding Quarter Previous Year
3.1 Interest Income 1,442,802 1,436,222 5,793,475 5,786,160 1,373,686 1,372,573
3.2 Interest Expense (787,713) (787,713) (2,807,166) (2,807,361) (668,168) (668,168)
A. Net Interest Income (3.1-3.2) 655,089 648,508 2,986,308 2,978,799 705,518 704,405
3.3 Fees, Commission and Discount 135,193 125,785 522,518 497,300 129,130 128,910
3.4 Other Operating Income 63,906 63,057 239,083 237,469 43,940 43,940
3.5 Foreign Exchange Gain/Loss (Net) 131,630 131,630 458,418 458,418 98,918 98,918
B. Total Operating Income (A.+3.3+3.4+3.5) 985,817 968,980 4,206,327 4,171,987 977,506 976,174
3.6 Staff Expenses (124,072) (119,655) (491,487) (480,139) (111,322) (108,651)
3.7 Other Operating Expenses (143,706) (140,003) (579,621) (572,108) (132,456) (130,889)
C. Operating Profit Before Provision (B.-3.6-3.7) 718,039 709,322 3,135,219 3,119,740 733,728 736,633
3.8 Provision for Possible Losses (131,958) (131,958) (573,892) (573,892) (197,912) (197,912)
D. Operating Profit (C.-3.8) 586,081 577,365 2,561,327 2,545,848 535,815 538,720
3.9 Non Operating Income/Expenses (Net) 4,056 4,056 14,166 15,592 1,361 1,361
3.10 Write Back of Provision for Possible Loss 84,604 84,604 537,704 537,704 235,793 235,793
E. Profit from Regular Activities (D+3.9+3.10) 674,741 666,024 3,113,197 3,099,144 772,969 775,874
3.11 Extra-ordinary Income/Expenses (Net) - - - - - -
F. Profit before Bonus and Taxes (E+3.11) 674,741 666,024 3,113,197 3,099,144 772,969 775,874
3.12 Provision for Staff Bonus (61,340) (60,548) (283,018) (281,740) (70,534) (70,534)
3.13 Provision for Tax (183,624) (181,643) (858,790) (855,551) (214,023) (214,023)
G. Net Profit/(Loss) (F-3.12-3.13) 429,777 423,834 1,971,389 1,961,852 488,412 491,318
3.14 Share of non-controlling interest in Profit of Subsidiary - - - - - -
H. Net Profit/Loss (G-3.14) 429,777 423,834 1,971,389 1,961,852 488,412 491,318
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 11.31% 11.31% 11.90% 11.90% 12.00% 12.00%
4.2 Non Performing Loan (NPL) to Total Loan 1.07% 1.07% 1.25% 1.25% 1.55% 1.55%
4.3 Total Loan Loss Provision to Total NPL 192.25% 192.25% 174.26% 174.26% 150.41% 150.41%
4.4 CD Ratio (As per NRB Directives) 74.63% 74.63% 72.83% 72.83% 78.10% 78.10%
4.5 Net Liquid Assets/Total Deposit 35.06% 35.06% 34.54% 34.54% 32.29% 32.29%
4.6 Base Rate 5.83% 5.83% 6.54% 6.54% 6.49% 6.49%
4.7 Average Yield LCY Lending & Investments (As per NRB Directives) 8.06% 8.06% 8.09% 8.09% 8.21% 8.21%
4.8 Cost of Funds LCY Deposits (As per NRB Directives) 3.49% 3.49% 3.63% 3.63% 3.69% 3.69%
4.9 Interest Spread LCY (As per NRB Directives) 4.57% 4.57% 4.46% 4.46% 4.52% 4.52%
4.10 Return on Equity (Closing Annualized) 16.77% 16.57% 20.07% 20.00% 23.20% 23.35%
4.11 Return on Assets (Closing Annualized) 1.54% 1.52% 1.79% 1.85% 2.18% 2.20%
4.12 Earning Per share (EPS Annualized) 27.09 26.72 31.07 30.92 40.97 41.21
4.13 PE Ratio 38.13 38.67 22.66 22.77 18.67 18.56
4.14 Networth Per Share 161.58 161.22 154.81 154.54 176.59 176.50
4.15 Total Assets Per Share 1,761.58 1,756.62 1,736.60 1,667.53 1,875.27 1,875.23

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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