Financial Details of NIBL
Figures in NPR |
Financial Year |
|
2015/2016 |
2014/2015 |
2013/2014 |
Net Worth |
16,287,751,617 |
9,806,952,579 |
7,925,478,596 |
Deposits |
108,626,641,994 |
90,631,486,765 |
73,831,375,915 |
Loans, Discounts, Overdraft (Net) |
85,461,050,976 |
66,219,232,015 |
52,019,765,103 |
Operating Profit |
3,699,688,752 |
2,545,848,091 |
2,891,610,284 |
Net Profit |
2,550,883,563 |
1,961,852,380 |
1,939,612,344 |
Capital Adequacy Ratio |
14.92% |
11.90% |
11.27% |
Unaudited Financial Results (Quarterly)
Second Quarterly Report
As at 14/01/2019 of the FY 2018-2019 (FY 2075-76) [PDF Format]
Figures in NPR ('000')
Unaudited Financial Results (Quarterly)
First Quarterly Report
As at 16/11/2018 of the FY 2018-2019 (FY 2075-76) [PDF Format]
Figures in NPR ('000')
Unaudited Financial Results (Quarterly)
Fourth Quarterly Report
As at 16/07/2018 of the FY 2017-2018 (FY 2074-75) [PDF Format]
Figures in NPR ('000')
S/N |
Particulars |
This Quarter Ending Ashad end 2075 |
Previous Quarter Ending Chaitra end 2074 |
Corresponding Quarter Previous Year ending Ashad end 2074 |
Group |
NIBL |
Group |
NIBL |
Group |
NIBL |
1 |
Total Capital and Liabilities (1.1 to 1.8) |
172,806,051 |
170,495,659 |
162,604,781 |
161,538,022 |
154,807,997 |
152,877,103 |
1.1 |
Paid Up Capital |
10,744,099 |
10,645,599 |
10,744,099 |
10,645,599 |
10,626,436 |
10,626,436 |
1.2 |
Reserve and Surplus |
11,733,474 |
11,660,306 |
10,978,222 |
10,919,897 |
8,268,760 |
8,081,448 |
1.3 |
Debenture and Bond |
1,250,000 |
1,250,000 |
1,550,000 |
1,550,000 |
1,550,000 |
1,550,000 |
1.4 |
Borrowings |
762,666 |
762,666 |
2,692,048 |
2,692,048 |
288,574 |
241,324 |
1.5 |
Deposit (a+b) |
139,984,528 |
140,071,167 |
130,032,857 |
130,197,457 |
125,477,676 |
125,669,355 |
|
a. Domestic Currency |
129,871,533 |
129,958,172 |
121,884,277 |
122,048,876 |
114,731,607 |
114,923,286 |
|
b. Foreign Currency |
10,112,995 |
10,112,995 |
8,148,580 |
8,148,580 |
10,746,069 |
10,746,069 |
1.6 |
Income Tax Liability |
(268,726) |
(268,726) |
(42,034) |
(42,034) |
- |
- |
1.7 |
Other Liabilities |
8,600,009 |
6,374,646 |
6,649,588 |
5,575,056 |
8,596,551 |
6,708,540 |
1.8 |
Non-Controlling Interest |
- |
- |
- |
- |
- |
- |
2 |
Total Assets (2.1 to 2.7) |
172,806,051 |
170,495,659 |
162,604,781 |
161,538,022 |
154,807,997 |
152,877,103 |
2.1 |
Cash and Bank Balance |
19,921,207 |
17,865,491 |
11,936,367 |
11,052,160 |
19,735,974 |
17,897,590 |
2.2 |
Money at Call and Short Notice |
- |
- |
- |
- |
40,000 |
40,000 |
2.3 |
Investments |
27,013,100 |
26,859,457 |
28,905,893 |
28,815,520 |
25,596,053 |
25,615,645 |
2.4 |
Loans and Advances (Gross) |
122,388,438 |
122,388,438 |
118,860,752 |
118,860,752 |
106,683,877 |
106,683,877 |
|
a. Real Estate Loan |
5,435,356 |
5,435,356 |
5,609,020 |
5,609,020 |
5,756,185 |
5,756,185 |
|
1. Residential Real Estate Loan (Except Personal Home Loan upto Rs. 1.5 Crore) |
352,486 |
352,486 |
358,450 |
358,450 |
448,059 |
448,059 |
|
2. Business Compex & Residential Apartment Construction Loan |
1,269,565 |
1,269,565 |
1,418,183 |
1,418,183 |
1,656,801 |
1,656,801 |
|
3. Income Generating Commercial Complex Loan |
651,760 |
651,760 |
663,378 |
663,378 |
802,460 |
802,460 |
|
4. Other Real Estate Loan (Including Land Purchase and Plotting) |
3,161,546 |
3,161,546 |
3,169,010 |
3,169,010 |
2,848,865 |
2,848,865 |
|
b. Personal Home Loan of Rs. 1.5 Crore or Less |
2,088,483 |
2,088,483 |
2,084,626 |
2,084,626 |
2,118,552 |
2,118,552 |
|
c. Margin Type Loan |
1,222,742 |
1,222,742 |
1,292,068 |
1,292,068 |
1,682,906 |
1,682,906 |
|
d. Term Loan |
33,403,492 |
33,403,492 |
30,140,442 |
30,140,442 |
28,855,445 |
28,855,445 |
|
e. Overdraft/TR Loan/WC Loan |
68,242,854 |
68,242,854 |
68,523,449 |
68,523,449 |
55,933,412 |
55,933,412 |
|
f. Others |
11,995,511 |
11,995,511 |
11,211,148 |
11,211,148 |
12,337,377 |
12,337,377 |
2.5 |
Fixed Assets (Net) |
1,468,637 |
1,437,374 |
1,379,467 |
1,347,211 |
1,336,672 |
1,304,305 |
2.6 |
Non Banking Assets (Net) |
- |
- |
- |
- |
- |
- |
2.7 |
Other Assets |
2,014,668 |
1,944,899 |
1,522,301 |
1,462,379 |
1,415,420 |
1,335,685 |
3 |
Profit & Loss Account |
Up to This Quarter |
Up to Previous Quarter |
Up to Corresponding Quarter Previous Year |
3.1 |
Interest Income |
13,487,573 |
13,428,409 |
9,757,988 |
9,724,452 |
9,394,849 |
9,248,699 |
3.2 |
Interest Expense |
(7,719,205) |
(7,723,924) |
(5,602,743) |
(5,605,884) |
(4,441,056) |
(4,464,552) |
|
A. Net Interest Income (3.1-3.2) |
5,768,369 |
5,704,485 |
4,155,245 |
4,118,567 |
4,953,793 |
4,784,147 |
3.3 |
Fees, Commission and Discount |
983,918 |
893,195 |
765,496 |
710,520 |
843,929 |
814,827 |
3.4 |
Other Operating Income |
429,870 |
422,083 |
289,825 |
282,923 |
491,363 |
385,187 |
3.5 |
Foreign Exchange Gain/Loss (Net) |
682,486 |
682,486 |
488,923 |
488,923 |
621,432 |
621,432 |
|
B. Total Operating Income (A.+3.3+3.4+3.5) |
7,864,642 |
7,702,249 |
5,699,489 |
5,600,934 |
6,910,516 |
6,605,593 |
3.6 |
Staff Expenses |
(937,625) |
(897,505) |
(611,716) |
(583,538) |
(703,157) |
(665,839) |
3.7 |
Other Operating Expenses |
(917,199) |
(871,984) |
(618,210) |
(593,861) |
(777,000) |
(699,685) |
|
C. Operating Profit Before Provision (B.-3.6-3.7) |
6,009,819 |
5,932,760 |
4,469,563 |
4,423,535 |
5,430,359 |
5,240,068 |
3.8 |
Provision for Possible Losses |
(1,252,803) |
(1,242,532) |
(669,444) |
(667,060) |
(511,040) |
(510,285) |
|
D. Operating Profit (C.-3.8) |
4,757,016 |
4,690,228 |
3,800,119 |
3,756,475 |
4,919,320 |
4,729,783 |
3.9 |
Non Operating Income/Expenses (Net) |
129,770 |
129,770 |
113,849 |
113,849 |
88,646 |
79,879 |
3.10 |
Write Back of Provision for Possible Loss |
826,935 |
826,935 |
590,094 |
590,094 |
96,207 |
96,120 |
|
E. Profit from Regular Activities (D+3.9+3.10) |
5,713,720 |
5,646,933 |
4,504,062 |
4,460,419 |
5,104,173 |
4,905,782 |
3.11 |
Extra-ordinary Income/Expenses (Net) |
(18,695) |
(18,695) |
- |
- |
20,156 |
20,273 |
|
F. Profit before Bonus and Taxes (E+3.11) |
5,695,026 |
5,628,238 |
4,504,062 |
4,460,419 |
5,124,329 |
4,926,055 |
3.12 |
Provision for Staff Bonus |
(517,730) |
(511,658) |
(409,460) |
(405,493) |
(461,327) |
(447,823) |
3.13 |
Provision for Tax |
(1,552,458) |
(1,537,722) |
(1,225,953) |
(1,216,478) |
(1,410,720) |
(1,364,101) |
|
G. Net Profit/(Loss) (F-3.12-3.13) |
3,624,838 |
3,578,858 |
2,868,649 |
2,838,448 |
3,252,282 |
3,114,131 |
3.14 |
Share of non-controlling interest in Profit of Subsidiary |
- |
- |
- |
- |
- |
- |
|
H. Net Profit/Loss (G-3.14) |
3,624,838 |
3,578,858 |
2,868,649 |
2,838,448 |
3,252,282 |
3,114,131 |
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 |
13.34% |
13.34% |
13.25% |
13.25% |
13.02% |
13.02% |
4.2 |
Non Performing Loan (NPL) to Total Loan |
1.03% |
1.03% |
0.76% |
0.76% |
0.83% |
0.83% |
4.3 |
Total Loan Loss Provision to Total NPL |
196.79% |
196.79% |
244.93% |
244.93% |
231.84% |
231.84% |
4.4 |
CD Ratio (As per NRB Directives) |
75.01% |
75.01% |
78.03% |
78.03% |
77.63% |
77.63% |
4.5 |
Net Liquid Assets/Total Deposit |
28.86% |
28.86% |
23.93% |
23.93% |
30.43% |
30.43% |
4.6 |
Base Rate |
9.02% |
9.02% |
9.12% |
9.12% |
8.36% |
8.36% |
4.7 |
Average Yield LCY Lending & Investments (As per NRB Directives) |
10.90% |
10.90% |
10.63% |
10.63% |
9.73% |
9.73% |
4.8 |
Cost of Funds LCY Deposits (As per NRB Directives) |
6.31% |
6.31% |
6.35% |
6.35% |
5.84% |
5.84% |
4.9 |
Interest Spread LCY (As per NRB Directives) |
4.59% |
4.59% |
4.28% |
4.28% |
3.90% |
3.90% |
4.10 |
Return on Equity (Closing Annualized) |
16.13% |
16.04% |
17.61% |
17.55% |
17.21% |
16.65% |
4.11 |
Return on Assets (Closing Annualized) |
2.10% |
2.10% |
2.35% |
2.34% |
2.10% |
2.04% |
4.12 |
Earning Per share (EPS Annualized) |
33.74 |
33.62 |
35.60 |
35.55 |
30.61 |
29.31 |
4.13 |
PE Ratio |
18.41 |
18.47 |
18.74 |
18.76 |
25.16 |
26.27 |
4.14 |
Networth Per Share |
209.21 |
209.53 |
202.18 |
202.58 |
177.81 |
176.05 |
4.15 |
Total Assets Per Share |
1,608.38 |
1,601.56 |
1,513.43 |
1,517.42 |
1,456.82 |
1,438.65 |
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 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 No 4.
Unaudited Financial Results (Quarterly)
Third Quarterly Report
As at 13/04/2018 of the FY 2017-2018 (FY 2074-75) [PDF Format]
Figures in NPR('000)
S/N |
Particulars |
This Quarter Ending end 2074 |
Previous Quarter Ending Poush end 2074 |
Corresponding Quarter Previous Year endingChaitra end 2073 |
Group |
NIBL |
Group |
NIBL |
Group |
NIBL |
1 |
Total Capital and Liabilities (1.1 to 1.8) |
162,604,781 |
161,538,022 |
158,956,970 |
158,282,501 |
148,045,341 |
143,878,982 |
1.1 |
Paid Up Capital |
10,744,099 |
10,645,599 |
10,724,936 |
10,626,436 |
8,746,913 |
8,746,913 |
1.2 |
Reserve and Surplus |
10,978,222 |
10,919,897 |
9,965,124 |
9,911,933 |
10,092,513 |
9,958,839 |
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 |
2,692,048 |
2,692,048 |
1,438,272 |
1,438,272 |
241,089 |
241,089 |
1.5 |
Deposit (a+b) |
130,032,857 |
130,197,457 |
129,695,747 |
129,845,324 |
119,796,795 |
119,811,451 |
|
a. Domestic Currency |
121,884,277 |
122,048,876 |
118,555,575 |
118,705,152 |
108,135,221 |
108,149,877 |
|
b. Foreign Currency |
8,148,580 |
8,148,580 |
11,140,172 |
11,140,172 |
11,661,574 |
11,661,574 |
1.6 |
Income Tax Liability |
-42,034 |
-42,034 |
27,476 |
27,476 |
-10,661 |
-10,661 |
1.7 |
Other Liabilities |
6,649,588 |
5,575,056 |
5,555,415 |
4,883,060 |
7,628,691 |
3,581,351 |
1.8 |
Non-Controlling Interest |
- |
- |
- |
- |
- |
- |
2 |
Total Assets (2.1 to 2.7) |
162,604,781 |
161,538,022 |
158,956,970 |
158,282,501 |
148,045,341 |
143,878,982 |
2.1 |
Cash and Bank Balance |
11,936,367 |
11,052,160 |
14,792,838 |
14,227,669 |
17,986,826 |
13,882,001 |
2.2 |
Money at Call and Short Notice |
- |
- |
203,000 |
203,000 |
200,000 |
200,000 |
2.3 |
Investments |
28,905,893 |
28,815,520 |
27,372,399 |
27,374,892 |
25,348,537 |
25,366,900 |
2.4 |
Loans and Advances (Gross) |
118,860,752 |
118,860,752 |
113,671,155 |
113,671,155 |
101,946,234 |
101,946,234 |
|
a. Real Estate Loan |
5,609,020 |
5,609,020 |
5,623,946 |
5,623,946 |
4,978,345 |
4,978,345 |
|
1. Residential Real Estate Loan (Except Personal Home Loan upto Rs. 1.5 Crore) |
358,450 |
358,450 |
359,355 |
359,355 |
450,086 |
450,086 |
|
2. Business Compex Residential Apartment Construction Loan |
1,418,183 |
1,418,183 |
1,516,709 |
1,516,709 |
1,538,779 |
1,538,779 |
|
3. Income Generating Commercial Complex Loan |
663,378 |
663,378 |
671,302 |
671,302 |
779,941 |
779,941 |
|
4. Other Real Estate Loan (Including Land Purchase and Plotting) |
3,169,010 |
3,169,010 |
3,076,581 |
3,076,581 |
2,209,540 |
2,209,540 |
|
b. Personal Home Loan of Rs. 1.5 Crore or Less |
2,084,626 |
2,084,626 |
2,082,243 |
2,082,243 |
1,204,015 |
1,204,015 |
|
c. Margin Type Loan |
1,292,068 |
1,292,068 |
1,710,881 |
1,710,881 |
849,219 |
849,219 |
|
d. Term Loan |
30,140,442 |
30,140,442 |
29,837,681 |
29,837,681 |
24,748,521 |
24,748,521 |
|
e. Overdraft/TR Loan/WC Loan |
68,523,449 |
68,523,449 |
63,526,642 |
63,526,642 |
58,572,648 |
58,572,648 |
|
f.Others |
11,211,148 |
11,211,148 |
10,889,761 |
10,889,761 |
11,593,486 |
11,593,486 |
2.5 |
Fixed Assets (Net) |
1,379,467 |
1,347,211 |
1,326,810 |
1,295,011 |
1,109,825 |
1,081,114 |
2.6 |
Non Banking Assets (Net) |
- |
- |
- |
- |
- |
- |
2.7 |
Other Assets |
1,522,301 |
1,462,379 |
1,590,767 |
1,510,774 |
1,453,918 |
1,402,733 |
3 |
Profit LossAccount |
Up to This Quarter |
Up to Previous Quarter |
Up to Corresponding Quarter Previous Year |
3.1 |
Interest Income |
9,757,988 |
9,724,452 |
6,420,115 |
6,394,564 |
6,424,193 |
6,354,773 |
3.2 |
Interest Expense |
(5,602,743) |
(5,605,884) |
(3,704,187) |
(3,708,937) |
(2,857,502) |
(2,876,592) |
|
A. Net Interest Income (3.1-3.2) |
4,155,245 |
4,118,567 |
2,715,929 |
2,685,628 |
3,566,691 |
3,478,181 |
3.3 |
Fees, Commission and Discount |
765,496 |
710,520 |
537,699 |
498,001 |
695,769 |
623,028 |
3.4 |
Other Operating Income |
289,825 |
282,923 |
186,070 |
179,086 |
280,449 |
267,196 |
3.5 |
Foreign Exchange Gain/Loss (Net) |
488,923 |
488,923 |
306,089 |
306,089 |
464,216 |
464,216 |
|
B. Total Operating Income (A.+3.3+3.4+3.5) |
5,699,489 |
5,600,934 |
3,745,786 |
3,668,803 |
5,007,125 |
4,832,620 |
3.6 |
Staff Expenses |
-611,716 |
-583,538 |
-403,389 |
-383,401 |
-457,330 |
-434,572 |
3.7 |
Other Operating Expenses |
-618,210 |
-593,861 |
-396,493 |
-377,843 |
-532,213 |
-504,982 |
|
C. Operating Profit Before Provision (B.-3.6-3.7) |
4,469,563 |
4,423,535 |
2,945,903 |
2,907,559 |
4,017,583 |
3,893,066 |
3.8 |
Provision for Possible Losses |
-669,444 |
-667,060 |
-461,119 |
-461,119 |
-435,705 |
-435,705 |
|
D. Operating Profit (C.-3.8) |
3,800,119 |
3,756,475 |
2,484,784 |
2,446,440 |
3,581,877 |
3,457,361 |
3.9 |
Non Operating Income/Expenses (Net) |
113,849 |
113,849 |
101,400 |
101,471 |
73,605 |
73,605 |
3.1 |
Write Back of Provision for Possible Loss |
590,094 |
590,094 |
328,565 |
328,565 |
205,418 |
205,418 |
|
E. Profit from Regular Activities (D+3.9+3.10) |
4,504,062 |
4,460,419 |
2,914,749 |
2,876,476 |
3,860,901 |
3,736,384 |
3.11 |
Extra-ordinary Income/Expenses (Net) |
- |
- |
- |
- |
- |
- |
|
F. Profit before Bonus and Taxes (E+3.11) |
4,504,062 |
4,460,419 |
2,914,749 |
2,876,476 |
3,860,901 |
3,736,384 |
3.12 |
Provision for Staff Bonus |
-409,460 |
-405,493 |
-264,899 |
-261,498 |
-350,991 |
-339,671 |
3.13 |
Provision for Tax |
|
|
-793,211 |
-784,493 |
|
|
|
G. Net Profit/(Loss) (F-3.12-3.13) |
2,868,649 |
2,838,448 |
1,856,639 |
1,830,485 |
2,462,597 |
2,377,699 |
3.14 |
Share of non-controlling interest in Profit of Subsidiary |
- |
- |
- |
- |
- |
- |
|
H. Net Profit/Loss (G-3.14) |
2,868,649 |
2,838,448 |
1,856,639 |
1,830,485 |
2,462,597 |
2,377,699 |
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 |
13.25% |
13.25% |
13.07% |
13.07% |
13.78% |
13.78% |
4.2 |
Non Performing Loan (NPL) to Total Loan |
0.76% |
0.76% |
1.12% |
1.12% |
0.64% |
0.64% |
4.3 |
Total Loan Loss Provision to Total NPL |
244.93% |
244.93% |
176.28% |
176.28% |
266.86% |
266.86% |
4.4 |
CD Ratio (As per NRB Directives) |
78.03% |
78.03% |
78.47% |
78.47% |
69.17% |
69.17% |
4.5 |
Net Liquid Assets/Total Deposit |
23.93% |
23.93% |
27.46% |
27.46% |
27.97% |
27.97% |
4.6 |
Base Rate |
9.12% |
9.12% |
9.00% |
9.00% |
6.89% |
6.89% |
4.7 |
Average Yield LCY Lending Investments (As per NRB Directives) |
10.63% |
10.63% |
10.26% |
10.26% |
9.42% |
9.42% |
4.8 |
Cost of Funds LCY Deposits (As per NRB Directives) |
6.35% |
6.35% |
6.21% |
6.21% |
4.55% |
4.55% |
4.9 |
Interest Spread LCY (As per NRB Directives) |
4.28% |
4.28% |
4.05% |
4.05% |
4.88% |
4.88% |
4.1 |
Return on Equity (Closing Annualized) |
17.61% |
17.55% |
17.95% |
17.83% |
17.43% |
16.95% |
4.11 |
Return on Assets (Closing Annualized) |
2.35% |
2.34% |
2.34% |
2.31% |
2.22% |
2.20% |
4.12 |
Earning Per share (EPS Annualized) |
35.6 |
35.55 |
34.62 |
34.45 |
37.54 |
36.24 |
4.13 |
PE Ratio |
18.74 |
18.76 |
18.98 |
19.07 |
21.34 |
22.1 |
4.14 |
Networth Per Share |
202.18 |
202.58 |
192.92 |
193.28 |
215.38 |
213.86 |
4.15 |
Total Assets Per Share |
1,513.43 |
1,517.42 |
1,482.13 |
1,489.52 |
1,692.54 |
1,644.91 |
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% subsidiary NIBL 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.
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.
Unaudited Financial Results (Quarterly)
First Quarterly Report
As at 17/10/2017 of the FY 2017-2018 (FY 2074-75) [PDF Format]
Figures in NPR('000)
S/N |
Particulars |
This QuarterEndingAshwinend 2074 |
Previous Quarter EndingAshad end 2074Audited |
Corresponding Quarter Previous Year endingAshwin end 2073 |
Group |
NIBL |
Group |
NIBL |
Group |
NIBL |
1 |
Total Capital and Liabilities (1.1 to 1.8) |
161,782,594 |
159,765,496 |
154,807,997 |
152,877,103 |
145,419,887 |
138,670,976 |
1.1 |
Paid Up Capital |
10,626,436 |
10,626,436 |
10,626,436 |
10,626,436 |
8,706,612 |
8,706,612 |
1.2 |
Reserve and Surplus |
9,118,381 |
8,976,442 |
8,268,760 |
8,081,448 |
8,400,063 |
8,321,939 |
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 |
242,967 |
242,967 |
288,574 |
241,324 |
1,049,775 |
1,049,775 |
1.5 |
Deposit (a+b) |
131,052,822 |
131,293,472 |
125,477,676 |
125,669,355 |
112,746,030 |
114,869,884 |
|
a. Domestic Currency |
118,367,822 |
118,608,472 |
114,731,607 |
114,923,286 |
98,944,414 |
101,068,269 |
|
b. Foreign Currency |
12,685,000 |
12,685,000 |
10,746,069 |
10,746,069 |
13,801,616 |
13,801,616 |
1.6 |
Income Tax Liability |
228,033 |
228,033 |
- |
- |
240,237 |
240,237 |
1.7 |
Other Liabilities |
8,963,955 |
6,848,146 |
8,596,551 |
6,708,540 |
12,727,171 |
3,932,529 |
1.8 |
Non-Controlling Interest |
- |
- |
- |
- |
- |
- |
2 |
Total Assets (2.1 to 2.7) |
161,782,594 |
159,765,496 |
154,807,997 |
152,877,103 |
145,419,887 |
138,670,976 |
2.1 |
Cash and Bank Balance |
19,801,410 |
17,832,554 |
19,735,974 |
17,897,590 |
20,437,573 |
13,731,739 |
2.2 |
Money at Call and Short Notice |
465,755 |
465,755 |
40,000 |
40,000 |
127,680 |
127,680 |
2.3 |
Investments |
30,660,663 |
30,721,159 |
25,596,053 |
25,615,645 |
27,770,077 |
27,809,647 |
2.4 |
Loans and Advances (Gross) |
107,968,136 |
107,968,136 |
106,683,877 |
106,683,877 |
94,445,281 |
94,445,281 |
|
a. Real Estate Loan |
5,773,481 |
5,773,481 |
5,756,185 |
5,756,185 |
5,408,857 |
5,408,857 |
|
1. Residential Real Estate Loan (Except Personal Home Loan upto Rs. 1 Crore) |
466,393 |
466,393 |
448,059 |
448,059 |
494,886 |
494,886 |
|
2. Business Compex Residential Apartment Construction Loan |
1,619,387 |
1,619,387 |
1,656,801 |
1,656,801 |
2,414,756 |
2,414,756 |
|
3. Income Generating Commercial Complex Loan |
686,760 |
686,760 |
802,460 |
802,460 |
175,320 |
175,320 |
|
4. Other Real Estate Loan (Including Land Purchase and Plotting) |
3,000,942 |
3,000,942 |
2,848,865 |
2,848,865 |
2,323,893 |
2,323,893 |
|
b. Personal Home Loan of Rs. 1 Crore or Less |
1,987,317 |
1,987,317 |
2,118,552 |
2,118,552 |
1,268,376 |
1,268,376 |
|
c. Margin Type Loan |
1,701,027 |
1,701,027 |
1,682,906 |
1,682,906 |
477,020 |
477,020 |
|
d. Term Loan |
29,102,646 |
29,102,646 |
28,855,445 |
28,855,445 |
22,620,558 |
22,620,558 |
|
e. Overdraft/TR Loan/WC Loan |
58,282,393 |
58,282,393 |
55,933,412 |
55,933,412 |
56,480,322 |
56,480,322 |
|
f.Others |
11,121,271 |
11,121,271 |
12,337,377 |
12,337,377 |
8,190,149 |
8,190,149 |
2.5 |
Fixed Assets (Net) |
1,334,514 |
1,302,703 |
1,336,672 |
1,304,305 |
1,084,517 |
1,057,463 |
2.6 |
Non Banking Assets (Net) |
- |
- |
- |
- |
- |
- |
2.7 |
Other Assets |
1,552,116 |
1,475,190 |
1,415,420 |
1,335,685 |
1,554,760 |
1,499,166 |
3 |
Profit LossAccount |
Up to This Quarter |
Up to Previous Quarter |
Up to Corresponding Quarter Previous Year |
3.1 |
Interest Income |
3,223,171 |
3,209,370 |
9,394,849 |
9,248,699 |
1,899,862 |
1,888,689 |
3.2 |
Interest Expense |
(1,881,278) |
(1,883,524) |
(4,441,056) |
(4,464,552) |
(767,713) |
(779,007) |
|
A. Net Interest Income (3.1-3.2) |
1,341,894 |
1,325,846 |
4,953,793 |
4,784,147 |
1,132,149 |
1,109,682 |
3.3 |
Fees, Commission and Discount |
236,428 |
213,073 |
843,929 |
814,827 |
199,524 |
169,632 |
3.4 |
Other Operating Income |
83,843 |
82,154 |
491,363 |
385,187 |
116,359 |
112,437 |
3.5 |
Foreign Exchange Gain/Loss (Net) |
156,214 |
156,214 |
621,432 |
621,432 |
156,986 |
156,986 |
|
B. Total Operating Income (A.+3.3+3.4+3.5) |
1,818,380 |
1,777,287 |
6,910,516 |
6,605,593 |
1,605,019 |
1,548,737 |
3.6 |
Staff Expenses |
(201,090) |
(190,679) |
(703,157) |
(665,839) |
(151,293) |
(142,903) |
3.7 |
Other Operating Expenses |
(190,719) |
(181,123) |
(777,000) |
(699,685) |
(155,607) |
(150,757) |
|
C. Operating Profit Before Provision (B.-3.6-3.7) |
1,426,571 |
1,405,485 |
5,430,359 |
5,240,068 |
1,298,118 |
1,255,077 |
3.8 |
Provision for Possible Losses |
(185,534) |
(185,534) |
(511,040) |
(510,285) |
(166,356) |
(166,356) |
|
D. Operating Profit (C.-3.8) |
1,241,036 |
1,219,951 |
4,919,320 |
4,729,783 |
1,131,762 |
1,088,721 |
3.9 |
Non Operating Income/Expenses (Net) |
91,140 |
88,536 |
88,646 |
79,879 |
41,886 |
41,886 |
3.10 |
Write Back of Provision for Possible Loss |
97,933 |
97,933 |
96,207 |
96,120 |
33,507 |
33,507 |
|
E. Profit from Regular Activities (D+3.9+3.10) |
1,430,109 |
1,406,419 |
5,104,173 |
4,905,782 |
1,207,155 |
1,164,114 |
3.11 |
Extra-ordinary Income/Expenses (Net) |
- |
- |
20,156 |
20,273 |
- |
- |
|
F. Profit before Bonus and Taxes (E+3.11) |
1,430,109 |
1,406,419 |
5,124,329 |
4,926,055 |
1,207,155 |
1,164,114 |
3.12 |
Provision for Staff Bonus |
(129,676) |
(127,856) |
(461,327) |
(447,823) |
(109,741) |
(105,829) |
3.13 |
Provision for Tax |
(389,036) |
(383,569) |
(1,410,720) |
(1,364,101) |
(327,268) |
(317,486) |
|
G. Net Profit/(Loss) (F-3.12-3.13) |
911,396 |
894,994 |
3,252,282 |
3,114,131 |
770,146 |
740,800 |
3.14 |
Share of non-controlling interest in Profit of Subsidiary |
- |
- |
- |
- |
- |
- |
|
H. Net Profit/Loss (G-3.14) |
911,396 |
894,994 |
3,252,282 |
3,114,131 |
770,146 |
740,800 |
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 |
12.78% |
12.78% |
13.02% |
13.02% |
13.93% |
13.93% |
4.2 |
Non Performing Loan (NPL) to Total Loan |
1.04% |
1.04% |
0.83% |
0.83% |
0.71% |
0.71% |
4.3 |
Total Loan Loss Provision to Total NPL |
191.98% |
191.98% |
231.84% |
231.84% |
250.21% |
250.21% |
4.4 |
CD Ratio (As per NRB Directives) |
75.92% |
75.92% |
77.63% |
77.63% |
78.69% |
78.69% |
4.5 |
Net Liquid Assets/Total Deposit |
35.13% |
35.13% |
30.43% |
30.43% |
32.76% |
32.76% |
4.6 |
Base Rate |
8.91% |
8.91% |
8.36% |
8.36% |
5.22% |
5.22% |
4.7 |
Average Yield LCY Lending Investments (As per NRB Directives) |
10.40% |
10.40% |
9.73% |
9.73% |
7.26% |
7.26% |
4.8 |
Cost of Funds LCY Deposits (As per NRB Directives) |
6.08% |
6.08% |
5.84% |
5.84% |
2.89% |
2.89% |
4.9 |
Interest Spread LCY (As per NRB Directives) |
4.32% |
4.32% |
3.90% |
3.90% |
4.37% |
4.37% |
4.10 |
Return on Equity (Closing Annualized) |
18.46% |
18.26% |
17.21% |
16.65% |
18.01% |
17.40% |
4.11 |
Return on Assets (Closing Annualized) |
2.25% |
2.24% |
2.10% |
2.04% |
2.12% |
2.14% |
4.12 |
Earning Per share (EPS Annualized) |
34.31 |
33.69 |
30.61 |
29.31 |
35.38 |
34.03 |
4.13 |
PE Ratio |
18.95 |
19.29 |
25.16 |
26.27 |
22.81 |
23.71 |
4.14 |
Networth Per Share |
185.81 |
184.47 |
177.81 |
176.05 |
196.48 |
195.58 |
4.15 |
Total Assets Per Share |
1,522.45 |
1,503.47 |
1,456.82 |
1,438.65 |
1,670.22 |
1,592.71 |
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.
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.
Unaudited Financial Results (Quarterly)
As at Third Quarter (13/04/2017) of the FY 2016-2017 (FY 2073-74) [PDF Format]
Figures in NPR('000)
S/N |
Particulars |
This Quarter Ending Chaitra end 2073 |
Previous Quarter Ending Poush end 2073 |
Corresponding Quarter Previous Year ending Chaitra end 2072 |
Group |
NIBL |
Group |
NIBL |
Group |
NIBL |
1 |
Total Capital and Liabilities (1.1 to 1.8) |
148,045,341 |
143,878,982 |
143,460,113 |
139,831,921 |
153,458,044 |
135,045,954 |
1.1 |
Paid Up Capital |
8,746,913 |
8,746,913 |
8,706,612 |
8,706,612 |
7,252,639 |
7,252,639 |
1.2 |
Reserve and Surplus |
10,092,513 |
9,958,839 |
9,299,557 |
9,166,107 |
9,884,244 |
9,836,640 |
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 |
241,089 |
241,089 |
255,409 |
255,409 |
280,636 |
280,636 |
1.5 |
Deposit (a+b) |
119,796,795 |
119,811,451 |
116,603,841 |
116,607,705 |
112,632,377 |
112,636,602 |
|
a. Domestic Currency |
108,135,221 |
108,149,877 |
104,097,406 |
104,101,269 |
101,411,209 |
101,415,433 |
|
b. Foreign Currency |
11,661,574 |
11,661,574 |
12,506,436 |
12,506,436 |
11,221,169 |
11,221,169 |
1.6 |
Income Tax Liability |
(10,661) |
(10,661) |
60,599 |
60,599 |
(5,084) |
(5,084) |
1.7 |
Other Liabilities |
7,628,691 |
3,581,351 |
6,984,095 |
3,485,489 |
21,863,231 |
3,494,521 |
1.8 |
Non-Controlling Interest |
- |
- |
- |
- |
- |
- |
2 |
Total Assets (2.1 to 2.7) |
148,045,341 |
143,878,982 |
143,460,113 |
139,831,921 |
153,458,044 |
135,045,954 |
2.1 |
Cash and Bank Balance |
17,986,826 |
13,882,001 |
14,418,696 |
10,875,856 |
45,610,515 |
27,262,528 |
2.2 |
Money at Call and Short Notice |
200,000 |
200,000 |
1,508,800 |
1,508,800 |
- |
- |
2.3 |
Investments |
25,348,537 |
25,366,900 |
28,617,480 |
28,650,919 |
21,489,770 |
21,528,480 |
2.4 |
Loans and Advances (Gross) |
101,946,234 |
101,946,234 |
96,709,906 |
96,709,906 |
84,374,373 |
84,374,373 |
|
a. Real Estate Loan |
4,978,345 |
4,978,345 |
5,026,088 |
5,026,088 |
4,636,577 |
4,636,577 |
|
1. Residential Real Estate Loan (Except Personal Home Loan upto Rs. 1 Crore) |
450,086 |
450,086 |
466,655 |
466,655 |
520,188 |
520,188 |
|
2. Business Compex Residential Apartment Construction Loan |
1,538,779 |
1,538,779 |
1,552,717 |
1,552,717 |
1,869,926 |
1,869,926 |
|
3. Income Generating Commercial Complex Loan |
779,941 |
779,941 |
785,492 |
785,492 |
180,650 |
180,650 |
|
4. Other Real Estate Loan (Including Land Purchase and Plotting) |
2,209,540 |
2,209,540 |
2,221,224 |
2,221,224 |
2,065,812 |
2,065,812 |
|
b. Personal Home Loan of Rs. 1 Crore or Less |
1,204,015 |
1,204,015 |
1,224,486 |
1,224,486 |
1,346,631 |
1,346,631 |
|
c. Margin Type Loan |
849,219 |
849,219 |
728,730 |
728,730 |
667,778 |
667,778 |
|
d. Term Loan |
24,748,521 |
24,748,521 |
23,653,972 |
23,653,972 |
18,131,120 |
18,131,120 |
|
e. Overdraft/TR Loan/WC Loan |
58,572,648 |
58,572,648 |
57,350,217 |
57,350,217 |
52,339,445 |
52,339,445 |
|
f. Others |
11,593,486 |
11,593,486 |
8,726,413 |
8,726,413 |
7,252,822 |
7,252,822 |
2.5 |
Fixed Assets (Net) |
1,109,825 |
1,081,114 |
1,108,606 |
1,080,107 |
1,052,474 |
1,028,095 |
2.6 |
Non Banking Assets (Net) |
- |
- |
- |
- |
- |
- |
2.7 |
Other Assets |
1,453,918 |
1,402,733 |
1,096,626 |
1,006,334 |
930,912 |
852,478 |
3 |
Profit Loss Account |
Up to This Quarter |
Up to Previous Quarter |
Up to Corresponding Quarter Previous Year |
3.1 |
Interest Income |
6,424,193 |
6,354,773 |
4,043,556 |
4,001,263 |
4,893,848 |
4,879,683 |
3.2 |
Interest Expense |
(2,857,502) |
(2,876,592) |
(1,665,341) |
(1,678,823) |
(2,178,861) |
(2,178,861) |
|
A. Net Interest Income (3.1-3.2) |
3,566,691 |
3,478,181 |
2,378,215 |
2,322,441 |
2,714,987 |
2,700,822 |
3.3 |
Fees, Commission and Discount |
695,769 |
623,028 |
439,982 |
390,860 |
494,496 |
441,644 |
3.4 |
Other Operating Income |
280,449 |
267,196 |
198,323 |
190,978 |
218,673 |
218,462 |
3.5 |
Foreign Exchange Gain/Loss (Net) |
464,216 |
464,216 |
318,988 |
318,988 |
377,942 |
377,942 |
|
B. Total Operating Income (A.+3.3+3.4+3.5) |
5,007,125 |
4,832,620 |
3,335,508 |
3,223,267 |
3,806,098 |
3,738,870 |
3.6 |
Staff Expenses |
(457,330) |
(434,572) |
(305,239) |
(290,186) |
(378,570) |
(365,613) |
3.7 |
Other Operating Expenses |
(532,213) |
(504,982) |
(344,421) |
(328,377) |
(459,738) |
(450,828) |
|
C. Operating Profit Before Provision (B.-3.6-3.7) |
4,017,583 |
3,893,066 |
2,685,848 |
2,604,703 |
2,967,790 |
2,922,429 |
3.8 |
Provision for Possible Losses |
(435,705) |
(435,705) |
(280,214) |
(280,214) |
(487,268) |
(487,268) |
|
D. Operating Profit (C.-3.8) |
3,581,877 |
3,457,361 |
2,405,634 |
2,324,489 |
2,480,521 |
2,435,161 |
3.9 |
Non Operating Income/Expenses (Net) |
73,605 |
73,605 |
53,635 |
53,635 |
14,495 |
14,495 |
3.10 |
Write Back of Provision for Possible Loss |
205,418 |
205,418 |
112,539 |
112,539 |
428,676 |
428,676 |
|
E. Profit from Regular Activities (D+3.9+3.10) |
3,860,901 |
3,736,384 |
2,571,808 |
2,490,663 |
2,923,693 |
2,878,332 |
3.11 |
Extra-ordinary Income/Expenses (Net) |
- |
- |
- |
- |
- |
- |
|
F. Profit before Bonus and Taxes (E+3.11) |
3,860,901 |
3,736,384 |
2,571,808 |
2,490,663 |
2,923,693 |
2,878,332 |
3.12 |
Provision for Staff Bonus |
(350,991) |
(339,671) |
(233,801) |
(226,424) |
(265,790) |
(261,667) |
3.13 |
Provision for Tax |
(1,047,313) |
(1,019,014) |
(697,714) |
(679,272) |
(795,350) |
(785,041) |
|
G. Net Profit/(Loss) (F-3.12-3.13) |
2,462,597 |
2,377,699 |
1,640,294 |
1,584,968 |
1,862,552 |
1,831,624 |
3.14 |
Share of non-controlling interest in Profit of Subsidiary |
- |
- |
- |
- |
- |
- |
|
H. Net Profit/Loss (G-3.14) |
2,462,597 |
2,377,699 |
1,640,294 |
1,584,968 |
1,862,552 |
1,831,624 |
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 |
13.78% |
13.78% |
14.28% |
14.28% |
16.12% |
16.12% |
4.2 |
Non Performing Loan (NPL) to Total Loan |
0.64% |
0.64% |
0.70% |
0.70% |
0.78% |
0.78% |
4.3 |
Total Loan Loss Provision to Total NPL |
266.86% |
266.86% |
252.56% |
252.56% |
234.71% |
234.71% |
4.4 |
CD Ratio (As per NRB Directives) |
69.17% |
69.17% |
78.03% |
78.03% |
70.05% |
70.05% |
4.5 |
Net Liquid Assets/Total Deposit |
27.97% |
27.97% |
30.75% |
30.75% |
29.81% |
29.81% |
4.6 |
Base Rate |
6.89% |
6.89% |
5.69% |
5.69% |
4.80% |
4.80% |
4.7 |
Average Yield LCY Lending Investments (As per NRB Directives) |
9.42% |
9.42% |
7.99% |
7.99% |
7.61% |
7.61% |
4.8 |
Cost of Funds LCY Deposits (As per NRB Directives) |
4.55% |
4.55% |
3.53% |
3.53% |
2.65% |
2.65% |
4.9 |
Interest Spread LCY (As per NRB Directives) |
4.88% |
4.88% |
4.46% |
4.46% |
4.96% |
4.96% |
4.10 |
Return on Equity (Closing Annualized) |
17.43% |
16.95% |
18.22% |
17.74% |
14.49% |
14.29% |
4.11 |
Return on Assets (Closing Annualized) |
2.22% |
2.20% |
2.29% |
2.27% |
1.62% |
1.81% |
4.12 |
Earning Per share (EPS Annualized) |
37.54 |
36.24 |
37.68 |
36.41 |
34.24 |
33.67 |
4.13 |
PE Ratio |
21.34 |
22.10 |
18.98 |
19.64 |
32.10 |
32.64 |
4.14 |
Networth Per Share |
215.38 |
213.86 |
206.81 |
205.28 |
236.28 |
235.63 |
4.15 |
Total Assets Per Share |
1,692.54 |
1,644.91 |
1,647.71 |
1,606.04 |
2,115.89 |
1,862.02 |
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.
- 5) The CD ratio mentioned in 4.4 above is calculated after considering the relaxation given by NRB vide its Circular No. 15/2073/74 dated 19/11/2074. CD ratio calculated without considering the said relaxation is 78.04%
Unaudited Financial Results (Quarterly)
As at Second Quarter (13/01/2017) of the FY 2016-2017 (FY 2073-74) [PDF Format]
Figures in NPR('000)
S/N
|
Particulars
|
This Quarter Ending Poush end 2073
|
Previous Quarter Ending Ashwin end 2073
|
Corresponding Quarter Previous Year ending Poush end 2072
|
Group
|
NIBL
|
Group
|
NIBL
|
Group
|
NIBL
|
1 |
Total Capital and Liabilities (1.1 to 1.8) |
143,460,113 |
139,831,921 |
145,419,887 |
138,670,976 |
114,568,594 |
114,332,878 |
1.1 |
Paid Up Capital |
8,706,612 |
8,706,612 |
8,706,612 |
8,706,612 |
6,345,701 |
6,345,701 |
1.2 |
Reserve and Surplus |
9,299,557 |
9,166,107 |
8,400,063 |
8,321,939 |
4,569,252 |
4,539,436 |
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 |
255,409 |
255,409 |
1,049,775 |
1,049,775 |
783,549 |
783,549 |
1.5 |
Deposit (a+b) |
116,603,841 |
116,607,705 |
112,746,030 |
114,869,884 |
98,067,810 |
98,081,283 |
|
a. Domestic Currency |
104,097,406 |
104,101,269 |
98,944,414 |
101,068,269 |
87,989,140 |
88,002,613 |
|
b. Foreign Currency |
12,506,436 |
12,506,436 |
13,801,616 |
13,801,616 |
10,078,670 |
10,078,670 |
1.6 |
Income Tax Liability |
60,599 |
60,599 |
240,237 |
240,237 |
(1,464) |
(1,464) |
1.7 |
Other Liabilities |
6,984,095 |
3,485,489 |
12,727,171 |
3,932,529 |
3,253,746 |
3,034,374 |
1.8 |
Non-Controlling Interest |
- |
- |
- |
- |
- |
- |
2 |
Total Assets (2.1 to 2.7) |
143,460,113 |
139,831,921 |
145,419,887 |
138,670,976 |
114,568,594 |
114,332,878 |
2.1 |
Cash and Bank Balance |
14,418,696 |
10,875,856 |
20,437,573 |
13,731,739 |
12,769,880 |
12,552,337 |
2.2 |
Money at Call and Short Notice |
1,508,800 |
1,508,800 |
127,680 |
127,680 |
- |
- |
2.3 |
Investments |
28,617,480 |
28,650,919 |
27,770,077 |
27,809,647 |
22,232,643 |
22,271,572 |
2.4 |
Loans and Advances (Gross) |
96,709,906 |
96,709,906 |
94,445,281 |
94,445,281 |
77,482,671 |
77,482,671 |
|
a. Real Estate Loan |
5,026,088 |
5,026,088 |
5,408,857 |
5,408,857 |
4,574,808 |
4,574,808 |
|
1. Residential Real Estate Loan (Except Personal Home Loan upto Rs. 1 Crore) |
466,655 |
466,655 |
494,886 |
494,886 |
486,180 |
486,180 |
|
2. Business Compex & Residential Apartment Construction Loan |
1,552,717 |
1,552,717 |
2,414,756 |
2,414,756 |
1,721,757 |
1,721,757 |
|
3. Income Generating Commercial Complex Loan |
785,492 |
785,492 |
175,320 |
175,320 |
182,690 |
182,690 |
|
4. Other Real Estate Loan (Including Land Purchase and Plotting) |
2,221,224 |
2,221,224 |
2,323,893 |
2,323,893 |
2,184,181 |
2,184,181 |
|
b. Personal Home Loan of Rs. 1 Crore or Less |
1,224,486 |
1,224,486 |
1,268,376 |
1,268,376 |
1,376,585 |
1,376,585 |
|
c. Margin Type Loan |
728,730 |
728,730 |
477,020 |
477,020 |
550,654 |
550,654 |
|
d. Term Loan |
23,653,972 |
23,653,972 |
22,620,558 |
22,620,558 |
17,320,584 |
17,320,584 |
|
e. Overdraft/TR Loan/WC Loan |
57,350,217 |
57,350,217 |
56,480,322 |
56,480,322 |
46,406,326 |
46,406,326 |
|
f. Others |
8,726,413 |
8,726,413 |
8,190,149 |
8,190,149 |
7,253,714 |
7,253,714 |
2.5 |
Fixed Assets (Net) |
1,108,606 |
1,080,107 |
1,084,517 |
1,057,463 |
1,049,267 |
1,033,264 |
2.6 |
Non Banking Assets (Net) |
- |
- |
- |
- |
- |
- |
2.7 |
Other Assets |
1,096,626 |
1,006,334 |
1,554,760 |
1,499,166 |
1,034,133 |
993,033 |
3 |
Profit & Loss Account |
Up to This Quarter |
Up to Previous Quarter |
Up to Corresponding Quarter Previous Year |
3.1 |
Interest Income |
4,043,556 |
4,001,263 |
1,899,862 |
1,888,689 |
3,194,684 |
3,184,777 |
3.2 |
Interest Expense |
(1,665,341) |
(1,678,823) |
(767,713) |
(779,007) |
(1,519,910) |
(1,519,910) |
|
A. Net Interest Income (3.1-3.2) |
2,378,215 |
2,322,441 |
1,132,149 |
1,109,682 |
1,674,773 |
1,664,867 |
3.3 |
Fees, Commission and Discount |
439,982 |
390,860 |
199,524 |
169,632 |
278,076 |
256,350 |
3.4 |
Other Operating Income |
198,323 |
190,978 |
116,359 |
112,437 |
123,866 |
123,655 |
3.5 |
Foreign Exchange Gain/Loss (Net) |
318,988 |
318,988 |
156,986 |
156,986 |
247,965 |
247,965 |
|
B. Total Operating Income (A.+3.3+3.4+3.5) |
3,335,508 |
3,223,267 |
1,605,019 |
1,548,737 |
2,324,680 |
2,292,837 |
3.6 |
Staff Expenses |
(305,239) |
(290,186) |
(151,293) |
(142,903) |
(250,115) |
(243,047) |
3.7 |
Other Operating Expenses |
(344,421) |
(328,377) |
(155,607) |
(150,757) |
(297,390) |
(291,885) |
|
C. Operating Profit Before Provision (B.-3.6-3.7) |
2,685,848 |
2,604,703 |
1,298,118 |
1,255,077 |
1,777,175 |
1,757,905 |
3.8 |
Provision for Possible Losses |
(280,214) |
(280,214) |
(166,356) |
(166,356) |
(318,516) |
(318,516) |
|
D. Operating Profit (C.-3.8) |
2,405,634 |
2,324,489 |
1,131,762 |
1,088,721 |
1,458,659 |
1,439,388 |
3.9 |
Non Operating Income/Expenses (Net) |
53,635 |
53,635 |
41,886 |
41,886 |
10,825 |
10,825 |
3.10 |
Write Back of Provision for Possible Loss |
112,539 |
112,539 |
33,507 |
33,507 |
244,076 |
244,076 |
|
E. Profit from Regular Activities (D+3.9+3.10) |
2,571,808 |
2,490,663 |
1,207,155 |
1,164,114 |
1,713,560 |
1,694,290 |
3.11 |
Extra-ordinary Income/Expenses (Net) |
- |
- |
- |
- |
- |
- |
|
F. Profit before Bonus and Taxes (E+3.11) |
2,571,808 |
2,490,663 |
1,207,155 |
1,164,114 |
1,713,560 |
1,694,290 |
3.12 |
Provision for Staff Bonus |
(233,801) |
(226,424) |
(109,741) |
(105,829) |
(155,778) |
(154,026) |
3.13 |
Provision for Tax |
(697,714) |
(679,272) |
(327,268) |
(317,486) |
(466,459) |
(462,079) |
|
G. Net Profit/(Loss) (F-3.12-3.13) |
1,640,294 |
1,584,968 |
770,146 |
740,800 |
1,091,323 |
1,078,184 |
3.14 |
Share of non-controlling interest in Profit of Subsidiary |
- |
- |
- |
- |
- |
- |
|
H. Net Profit/Loss (G-3.14) |
1,640,294 |
1,584,968 |
770,146 |
740,800 |
1,091,323 |
1,078,184 |
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 |
14.28% |
14.28% |
13.93% |
13.93% |
11.69% |
11.69% |
4.2 |
Non Performing Loan (NPL) to Total Loan |
0.70% |
0.70% |
0.71% |
0.71% |
1.10% |
1.10% |
4.3 |
Total Loan Loss Provision to Total NPL |
252.56% |
252.56% |
250.21% |
250.21% |
180.32% |
180.32% |
4.4 |
CD Ratio (As per NRB Directives) |
78.03% |
78.03% |
78.69% |
78.69% |
76.67% |
76.67% |
4.5 |
Net Liquid Assets/Total Deposit |
30.75% |
30.75% |
32.76% |
32.76% |
31.37% |
31.37% |
4.6 |
Base Rate |
5.69% |
5.69% |
5.22% |
5.22% |
5.45% |
5.45% |
4.7 |
Average Yield LCY Lending & Investments (As per NRB Directives) |
7.99% |
7.99% |
7.26% |
7.26% |
7.59% |
7.59% |
4.8 |
Cost of Funds LCY Deposits (As per NRB Directives) |
3.53% |
3.53% |
2.89% |
2.89% |
3.16% |
3.16% |
4.9 |
Interest Spread LCY (As per NRB Directives) |
4.46% |
4.46% |
4.37% |
4.37% |
4.43% |
4.43% |
4.10 |
Return on Equity (Closing Annualized) |
18.22% |
17.74% |
18.01% |
17.40% |
20.00% |
19.81% |
4.11 |
Return on Assets (Closing Annualized) |
2.29% |
2.27% |
2.12% |
2.14% |
1.91% |
1.89% |
4.12 |
Earning Per share (EPS Annualized) |
37.68 |
36.41 |
35.38 |
34.03 |
34.40 |
33.98 |
4.13 |
PE Ratio |
18.98 |
36.41 |
22.81 |
23.71 |
22.59 |
22.87 |
4.14 |
Networth Per Share |
206.81 |
205.28 |
196.48 |
195.58 |
172.01 |
171.54 |
4.15 |
Total Assets Per Share |
1,647.71 |
1,606.04 |
1,670.22 |
1,592.71 |
1,805.45 |
1,801.74 |
Notes:
1) 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.
Unaudited Financial Results (Quarterly)
As at First Quarter (16/10/2016) of the FY 2016-2017 (FY 2073-74) [PDF Format]
Figures in NPR('000)
S/N |
Particulars |
This Quarter Ending
Ashwin end 2073
|
Previous Quarter Ending Ashad end 2073 (Audited)
|
Corresponding Quarter Previous Year ending Ashwin end 2072 |
Group |
NIBL |
Group |
NIBL |
Group |
NIBL |
1 |
Total Capital and Liabilities (1.1 to 1.8) |
145,419,887 |
138,670,976 |
135,637,863 |
131,331,446 |
111,784,656 |
111,469,739 |
1.1 |
Paid Up Capital |
8,706,612 |
8,706,612 |
8,706,612 |
8,706,612 |
6,345,701 |
6,345,701 |
1.2 |
Reserve and Surplus |
8,400,063 |
8,321,939 |
7,650,217 |
7,581,140 |
3,907,705 |
3,885,086 |
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 |
1,049,775 |
1,049,775 |
250,480 |
250,480 |
274,548 |
274,548 |
1.5 |
Deposit (a+b) |
112,746,030 |
114,869,884 |
108,596,082 |
108,626,642 |
95,897,811 |
95,902,778 |
|
a. Domestic Currency |
98,944,414 |
101,068,269 |
95,164,796 |
95,195,356 |
86,789,897 |
86,794,864 |
|
b. Foreign Currency |
13,801,616 |
13,801,616 |
13,431,286 |
13,431,286 |
9,107,914 |
9,107,914 |
1.6 |
Income Tax Liability |
240,237 |
240,237 |
|
|
78,292 |
78,292 |
1.7 |
Other Liabilities |
12,727,171 |
3,932,529 |
8,884,474 |
4,616,573 |
3,730,600 |
3,433,336 |
1.8 |
Non-Controlling Interest |
- |
- |
- |
- |
- |
- |
2 |
Total Assets (2.1 to 2.7) |
145,419,887 |
138,670,976 |
135,637,863 |
131,331,446 |
111,784,656 |
111,469,739 |
2.1 |
Cash and Bank Balance |
20,437,573 |
13,731,739 |
17,277,099 |
13,025,832 |
16,387,250 |
16,075,392 |
2.2 |
Money at Call and Short Notice |
127,680 |
127,680 |
149,380 |
149,380 |
272,590 |
272,590 |
2.3 |
Investments |
27,770,077 |
27,809,647 |
29,187,388 |
29,226,762 |
19,136,567 |
19,173,429 |
2.4 |
Loans and Advances (Gross) |
94,445,281 |
94,445,281 |
87,009,792 |
87,009,792 |
74,110,818 |
74,110,818 |
|
a. Real Estate Loan |
5,408,857 |
5,408,857 |
5,334,596 |
5,334,596 |
4,456,258 |
4,456,258 |
|
1. Residential ;Real Estate Loan ;(Except Personal Home Loan upto Rs. 1 Crore) |
494,886 |
494,886 |
531,382 |
531,382 |
472,274 |
472,274 |
|
2. Business Compex & Residential Apartment Construction Loan |
2,414,756 |
2,414,756 |
2,465,171 |
2,465,171 |
1,764,754 |
1,764,754 |
|
3. Income Generating Commercial Complex Loan |
175,320 |
175,320 |
177,223 |
177,223 |
183,932 |
183,932 |
|
4. Other Real Estate Loan (Including Land Purchase and Plotting) |
2,323,893 |
2,323,893 |
2,160,820 |
2,160,820 |
2,035,298 |
2,035,298 |
|
b. Personal Home Loan of Rs. 1 Crore or Less |
1,268,376 |
1,268,376 |
1,273,593 |
1,273,593 |
1,400,322 |
1,400,322 |
|
c. Margin Type Loan |
477,020 |
477,020 |
603,618 |
603,618 |
508,274 |
508,274 |
|
d. Term Loan |
22,620,558 |
22,620,558 |
21,373,407 |
21,373,407 |
16,424,792 |
16,424,792 |
|
e. Overdraft/TR Loan/WC Loan |
56,480,322 |
56,480,322 |
50,832,823 |
50,832,823 |
44,157,771 |
44,157,771 |
|
f. Others |
8,190,149 |
8,190,149 |
7,591,755 |
7,591,755 |
7,163,401 |
7,163,401 |
2.5 |
Fixed Assets (Net) |
1,084,517 |
1,057,463 |
1,073,736 |
1,050,446 |
1,066,398 |
1,052,896 |
2.6 |
Non Banking Assets (Net) |
- |
- |
- |
- |
- |
- |
2.7 |
Other Assets |
1,554,760 |
1,499,166 |
940,468 |
869,235 |
811,032 |
784,614 |
3 |
Profit & Loss Account |
Up to This Quarter |
Up to Previous Quarter |
Up to Corresponding Quarter Previous Year |
3.1 |
Interest Income |
1,899,862 |
1,888,689 |
6,856,958 |
6,776,755 |
1,442,802 |
1,436,222 |
3.2 |
Interest Expense |
(767,713) |
(779,007) |
(2,844,418) |
(2,855,650) |
(787,713) |
(787,713) |
|
A. Net Interest Income (3.1-3.2) |
1,132,149 |
1,109,682 |
4,012,541 |
3,921,105 |
655,089 |
648,508 |
3.3 |
Fees, Commission and Discount |
199,524 |
169,632 |
595,231 |
604,400 |
135,193 |
125,785 |
3.4 |
Other Operating Income |
116,359 |
112,437 |
304,446 |
305,046 |
63,906 |
63,057 |
3.5 |
Foreign Exchange Gain/Loss (Net) |
156,986 |
156,986 |
533,265 |
533,265 |
131,630 |
131,630 |
|
B. Total Operating Income (A.+3.3+3.4+3.5) |
1,605,019 |
1,548,737 |
5,445,483 |
5,363,816 |
985,817 |
968,980 |
3.6 |
Staff Expenses |
(151,293) |
(142,903) |
(589,880) |
; (569,749) |
(124,072) |
(119,655) |
3.7 |
Other Operating Expenses |
(155,607) |
(150,757) |
(685,799) |
(657,913) |
(143,706) |
(140,003) |
|
C. Operating Profit Before Provision (B.-3.6-3.7) |
1,298,118 |
1,255,077 |
4,169,804 |
4,136,154 |
718,039 |
709,322 |
3.8 |
Provision for Possible Losses |
(166,356) |
(166,356) |
(436,465) |
(436,465) |
(131,958) |
(131,958) |
|
D. Operating Profit (C.-3.8) |
1,131,762 |
1,088,721 |
3,733,339 |
3,699,689 |
586,081 |
577,365 |
3.9 |
Non Operating Income/Expenses (Net) |
41,886 |
41,886 |
62,764 |
19,433 |
4,056 |
4,056 |
3.10 |
Write Back of Provision for Possible Loss |
33,507 |
33,507 |
358,709 |
358,690 |
84,604 |
84,604 |
|
E. Profit from Regular Activities (D+3.9+3.10) |
1,207,155 |
1,164,114 |
4,154,812 |
4,077,812 |
674,741 |
666,024 |
3.11 |
Extra-ordinary Income/Expenses (Net) |
- |
- |
379 |
379 |
- |
- |
|
F. Profit before Bonus and Taxes (E+3.11) |
1,207,155 |
1,164,114 |
4,155,190 |
4,078,191 |
674,741 |
666,024 |
3.12 |
Provision for Staff Bonus |
(109,741) |
(105,829) |
(377,745) |
(370,745) |
(61,340) |
(60,548) |
3.13 |
Provision for Tax |
(327,268) |
(317,486) |
(1,174,162) |
(1,156,563) |
(183,624) |
(181,643) |
|
G. Net Profit/(Loss) (F-3.12-3.13) |
770,146 |
740,800 |
2,603,283 |
2,550,884 |
429,777 |
423,834 |
3.14 |
Share of non-controlling interest in Profit of Subsidiary |
- |
- |
- |
- |
- |
- |
|
H. Net Profit/Loss (G-3.14) |
770,146 |
740,800 |
2,603,283 |
2,550,884 |
429,777 |
423,834 |
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 |
13.93% |
13.93% |
14.92% |
14.92% |
11.31% |
11.31% |
4.2 |
Non Performing Loan (NPL) to Total Loan |
0.71% |
0.71% |
0.68% |
0.68% |
1.07% |
1.07% |
4.3 |
Total Loan Loss Provision to Total NPL |
250.21% |
250.21% |
261.17% |
261.17% |
192.25% |
192.25% |
4.4 |
CD Ratio (As per NRB Directives) |
78.69% |
78.69% |
76.78% |
76.78% |
74.63% |
74.63% |
4.5 |
Net Liquid Assets/Total Deposit |
32.76% |
32.76% |
31.69% |
31.69% |
35.06% |
35.06% |
4.6 |
Base Rate |
5.22% |
5.22% |
5.08% |
5.08% |
5.83% |
5.83% |
4.7 |
Average Yield LCY Lending & Investments ;(As per NRB Directives) |
7.26% |
7.26% |
7.21% |
7.21% |
8.06% |
8.06% |
4.8 |
Cost of Funds LCY Deposits (As per NRB Directives) |
2.89% |
2.89% |
2.76% |
2.76% |
3.49% |
3.49% |
4.9 |
Interest Spread LCY (As per NRB Directives) |
4.37% |
4.37% |
4.45% |
4.45% |
4.57% |
4.57% |
4.10 |
Return on Equity (Closing Annualized) |
18.01% |
17.40% |
15.92% |
15.66% |
16.77% |
16.57% |
4.11 |
Return on Assets (Closing Annualized) |
2.12% |
2.14% |
1.92% |
1.94% |
1.54% |
1.52% |
4.12 |
Earning Per share (EPS Annualized) |
35.38 |
34.03 |
29.90 |
29.30 |
27.09 |
26.72 |
4.13 |
PE Ratio |
22.81 |
23.71 |
34.78 |
35.50 |
38.13 |
38.67 |
4.14 |
Networth Per Share |
196.48 |
195.58 |
187.87 |
187.07 |
161.58 |
161.22 |
4.15 |
Total Assets Per Share |
1,670.22 |
1,592.71 |
1,557.87 |
1,508.41 |
1,761.58 |
1,756.62 |
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.
FIRST QUARTERLY REPORT 2073/74 ( in Nepali)
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