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Message from the Chairman

Dear Shareholders,

The financial year of 2015 to 2016 has been another excellent year for us at Nepal Investment Bank Limited (NIBL). The end of this year marks our 30th year of providing efficient banking services in Nepal. With our strong financial performance and service we have continually, established ourselves as one of the leading banks of Nepal.

The bank which started business with a paid up capital of NPR 30 million 30 years ago, today has the highest paid-up capital (NPR 8.7 billion) amongst the financial institutions in Nepal, and retains a cash reserve of 7.5 billion. At NIBL we strongly believe that banks with strong capital will be able to face any challenges from the market, and, side by side, create value for all our stakeholders.

The Fiscal Year of 2015-2016 (FY 2015/1016) was very rewarding for NIBL. In compliance with the Nepal Rashtra Bank's (NRB) directive to increase the public shareholding from 20% to 30%, NIBL made a Further Public Offering (FPO) of 9,069,388 equity shares of NPR 100, each at a premium price of NPR 601 (premium of NPR 501 per share). The FPO issue was a grand success measured by the overwhelming response from investors.

From this issue, the bank raised NPR 5.45 billion of which NPR 906.93 million is paid up capital, and NPR 4.54 billion is share premium. After this issue, our promoter public shareholding structure became 70:30 from previous a previous ratio of 80:20. Our paid up capital increased to NPR 8.7 billion (including the proposed bonus share for FY 2015/16), and our reserves soared to NPR 7.5 billion. The total shareholders' fund of our bank thus increased to NPR 16.2 billion.

Another significant development for NIBL is the signing of a Memorandum of Understanding (MOU) with Ace Development Bank Ltd, a leading development bank based in Kathmandu on August 5, 2016, to acquire the latter. We believe this acquisition will bring economies of scale and further strengthen our capital base, customer base, branch networks, market share, and lend support to NRB's initiative on consolidating the banking sector. We aim to complete the acquisition process as soon as possible.

In FY 2015/16 our deposits increased by 19.9 percent, reaching NPR 108.6 billion, compared to last year’s figure of NPR 90.6 billion. Similarly, lending by the bank increased by 28.5 percent, reaching NPR 87.0 billion compared to the previous year’s figure of NPR 67.6 billion. The operating profit of the bank also increased by 32.6 percent reaching NPR 4.1 billion. Additionally, the net profit of the bank grew by 30 percent and stands at NPR 2.55 billion compared to last year’s figure of NPR 1.96 billion. The Non-Performing Asset (NPA) ratio of the bank also declined to 0.68 % against 1.25 % last year. We will continue our effort to further minimize the NPA level in upcoming years.

We currently offer our customer base of over six hundred thousand people a broad range of smart, flexible products and services through our network of 47 branches, 84 ATMs, and 52 branchless banking outlets.

Our human resource development also continues to be an integral part of our bank. We believe strongly in focusing on extensive training for our workforce so that they have the necessary skills to effectively overcome challenges and meet the financial needs of our customers. We truly believe our well-trained and motivated staff are the most valuable assets of our bank.

We, at NIBL, are committed to building and maintaining a strong relationship with the larger community and as part of our Corporate Social Responsibility (CSR) we provide ongoing support to our varied chosen social causes this year and in the years to come.

I would like to express my gratitude and appreciation to our energetic and hardworking staff and efficient management team. Their tireless and dedicated performance has led to another fruitful year for our bank. I would like to thank all our regulators for providing us full support in our endeavors. I also wish to express my gratitude to my colleagues on the NIBL board for their ongoing valuable contributions.

Sincerely,

Prithvi B. Pandé

Chairman

Financial Highlights

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 14/01/2018 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
S/N	Particulars	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
S/N	Particulars	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:

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)
S/N	Particulars	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)

Unaudited Financial Results (Quarterly)

As at Fourth Quarter (15/07/2016) of the FY 2015-2016 (FY 2072-73) [PDF Format ]

Figures in NPR('000)

S/N Particulars
This Quarter Ending

Ashad end 2073

Previous Quarter Chaitra end 2072
Corresponding Quarter Previous Year ending Ashad end 2072(Audited)

Group NIBL Group NIBL Group NIBL

1 Total Capital and Liabilities (1.1 to 1.8) 131,432,493 131,331,446 153,458,044 135,045,954 110,199,286 105,816,403

1.1 Paid Up Capital 7,255,510 7,255,510 7,252,639 7,252,639 6,345,701 6,345,701

1.2 Reserve and Surplus 10,620,532 10,555,899 9,884,244 9,836,640 3,477,929 3,461,252

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 250,480 250,480 280,636 280,636 263,116 263,116

1.5 Deposit (a+b) 108,604,530 108,626,642 112,632,377 112,636,602 90,630,660 90,631,487

a. Domestic Currency 95,173,244 95,195,356 101,411,209 101,415,433 80,856,057 80,856,884

b. Foreign Currency 13,431,286 13,431,286 11,221,169 11,221,169 9,774,603 9,774,603

1.6 Income Tax Liability - - (5,084) (5,084) - -

1.7 Other Liabilities 3,142,442 3,092,916 21,863,231 3,494,521 7,931,880 3,564,847

1.8 Non-Controlling Interest - - - - - -

2 Total Assets (2.1 to 2.7) 131,423,493 131,331,446 153,458,044 135,045,954 110,199,286 105,816,403

2.1 Cash and Bank Balance 13,072,023 13,025,832 45,610,515 27,262,528 18,689,605 14,315,048

2.2 Money at Call and Short Notice 149,380 149,380 - - - -

2.3 Investments 29,184,957 29,226,762 21,489,770 21,528,480 21,433,161 21,462,588

2.4 Loans and Advances (Gross) 87,009,792 87,009,792 84,374,373 84,374,373 67,690,199 67,690,199

a. Real Estate Loan 5,334,596 5,334,596 4,636,577 4,636,577 4,549,507 4,549,507

1. Residential Real Estate Loan (Except Personal Home Loan upto Rs. 1 Crore) 531,382 531,382 520,188 520,188 437,454 437,454

2. Business Compex & Residential Apartment Construction Loan 2,465,171 2,465,171 1,869,926 1,869,926 1,919,381 1,919,381

3. Income Generating Commercial Complex Loan 177,223 177,223 180,650 180,650 73,740 73,740

4. Other Real Estate Loan (Including Land Purchase and Plotting) 2,160,820 2,160,820 2,065,812 2,065,812 2,118,932 2,118,932

b. Personal Home Loan of Rs. 1 Crore or Less 1,273,593 1,273,593 1,346,631 1,346,631 1,447,741 1,447,741

c. Margin Type Loan 603,618 603,618 667,778 667,778 52,316 52,316

d. Term Loan 21,373,407 21,373,407 18,131,120 18,131,120 15,558,548 15,558,548

e. Overdraft/TR Loan/WC Loan 50,832,823 50,832,823 52,339,445 52,339,445 39,337,746 39,337,746

f. Others 7,591,755 7,591,755 7,252,822 7,252,822 6,744,340 6,744,340

2.5 Fixed Assets (Net) 1,073,736 1,050,446 1,052,474 1,028,095 1,066,517 1,054,132

2.6 Non Banking Assets (Net) - - - - - -

2.7 Other Assets 933,605 869,235 930,912 852,478 1,319,804 1,294,437

3 Profit & Loss Account Up to This Quarter Up to Previous Quarter Up to Corresponding Quarter Previous Year

3.1 Interest Income 6,808,710 6,776,755 4,893,848 4,879,683 5,793,475 5,786,160

3.2 Interest Expense (2,850,423) (2,855,650) (2,178,861) (2,178,861) (2,807,166) (2,807,361)

A. Net Interest Income (3.1-3.2) 3,958,288 3,921,105 2,714,987 2,700,822 2,986,308 2,978,799

3.3 Fees, Commission and Discount 640,741 604,400 494,496 441,644 522,518 497,300

3.4 Other Operating Income 354,493 305,046 218,673 218,673 239,083 237,469

3.5 Foreign Exchange Gain/Loss (Net) 533,265 533,265 377,942 377,942 458,418 458,418

B. Total Operating Income (A.+3.3+3.4+3.5) 5,486,787 5,363,816 3,806,098 3,738,870 4,206,327 4,171,987

3.6 Staff Expenses (589,760) (569,749) (378,570) (365,613 (491,487) (480,139)

3.7 Other Operating Expenses (690,537) (657,913) (459,738) (450,828) (579,621) (572,108)

C. Operating Profit Before Provision (B.-3.6-3.7) 4,206,490 4,136,154 2,967,790 2,922,429 3,135,219 3,119,740

3.8 Provision for Possible Losses (436,465) (436,465) (487,268) (487,268) (573,892) (573,892)

D. Operating Profit (C.-3.8) 3,770,025 3,699,689 2,480,521 2,435,161 2,561,327 2,545,848

3.9 Non Operating Income/Expenses (Net) 19,433 19,433 2,435,161 14,495 14,166 15,592

3.10 Write Back of Provision for Possible Loss 358,690 358,690 428,676 428,676 537,704 537,704

E. Profit from Regular Activities (D+3.9+3.10) 4,148,149 4,077,812 2,923,693 2,878,332 3,113,197 3,099,144

3.11 Extra-ordinary Income/Expenses (Net) 379 379 - - - -

F. Profit before Bonus and Taxes (E+3.11) 4,148,527 4,078,191 2,923,693 2,878,332 3,113,197 3,099,144

3.12 Provision for Staff Bonus (377,139) (370,745) (265,790) (261,667) (283,018) (281,740)

3.13 Provision for Tax (1,172,548) (1,156,563) (795,350) (785,041) (858,790) (855,551)

G. Net Profit/(Loss) (F-3.12-3.13) 2,598,840 2,550,884 1,862,552 1,831,624 1,971,389 1,961,852

3.14 Share of non-controlling interest in Profit of Subsidiary - - - - - -

H. Net Profit/Loss (G-3.14) 2,598,840 2,550,884 1,862,552 1,831,624 1,971,389 1,961,852

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 16.19% 16.19% 16.12% 16.12% 11.90% 11.90%

4.2 Non Performing Loan (NPL) to Total Loan 0.68% 0.68% 0.78% 0.78% 1.25% 1.25%

4.3 Total Loan Loss Provision to Total NPL 261.17% 261.17% 234.71% 234.71% 174.26% 174.26%

4.4 CD Ratio (As per NRB Directives) 75.74% 75.74% 70.05% 70.05% 72.83% 72.83%

4.5 Net Liquid Assets/Total Deposit 31.69% 31.69% 29.81% 29.81% 34.54% 34.54%

4.6 Base Rate 5.08% 5.08% 4.80% 4.80% 6.54% 6.54%

4.7 Average Yield LCY Lending & Investments (As per NRB Directives) 7.21% 7.21% 7.61% 7.61% 8.09% 8.09%

4.8 Cost of Funds LCY Deposits (As per NRB Directives) 2.76% 2.76% 2.65% 2.65% 3.63% 3.63%

4.9 Interest Spread LCY (As per NRB Directives) 4.45% 4.45% 4.96% 4.96% 4.46% 4.46%

4.10 Return on Equity (Closing Annualized) 14.54% 14.32% 14.49% 14.29% 20.07% 20.00%

4.11 Return on Assets (Closing Annualized) 1.98% 1.94% 1.62% 1.81% 1.79% 1.85%

4.12 Earning Per share (EPS Annualized) 35.82 35.16 34.24 33.67 31.07 30.92

4.13 PE Ratio 29.03 29.58 32.10 32.64 22.66 22.77

4.14 Networth Per Share 246.38 245.49 236.28 235.63 154.81 154.54

4.15 Total Assets Per Share 1,811.36 1,810.09 2,115.89 1,862.02 1,736.60 1,667.53

Notes:

Previous quarters' figures have been regrouped and rearranged wherever necessary.

The above figures are subject to change as per the directions, if any, of Nepal Rastra Bank and/or Statutory Auditor.

Group represents Nepal Investment Bank Ltd. and its 100% subsidiary NIBL Capital Markets Ltd.

Inter-company transactions among the Group have been eliminated in the above statement related to the Group.

As at Third Quarter (12/04/2016) of the FY 2015-2016 (FY 2072-73) [PDF Format ]

Figures in NPR('000)

S/N Particulars This Quarter Ending Chaitra end 2072 Previous Quarter Ending Poush end 2072 Corresponding Quarter Previous Year ending Chaitra end 2071

Group NIBL Group NIBL Group NIBL

1 Total Capital and Liabilities (1.1 to 1.8) 153,458,044 135,045,954 114,568,594 114,332,878 95,705,132 95,693,426

1.1 Paid Up Capital 7,252,639 7,252,639 6,345,701 6,345,701 4,771,204 4,771,204

1.2 Reserve and Surplus 9,884,244 9,836,640 4,569,252 4,539,436 4,695,325 4,684,688

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 280,636 280,636 783,549 783,549 288,750 288,750

1.5 Deposit (a+b) 112,632,377 112,636,602 98,067,810 98,081,283 81,165,151 81,168,093

a. Domestic Currency 101,411,209 101,415,433 87,989,140 88,002,613 72,790,083 72,793,025

b. Foreign Currency 11,221,169 11,221,169 10,078,670 10,078,670 8,375,068 8,375,068

1.6 Income Tax Liability (5,084) (5,084) (1,464) (1,464) (6,884) (8,049)

1.7 Other Liabilities 21,863,231 3,494,521 3,253,746 3,034,374 2,991,585 2,988,741

1.8 Non-Controlling Interest - - - - - -

2 Total Assets (2.1 to 2.7) 153,458,044 135,045,954 114,568,594 114,332,878 95,705,132 95,693,426

2.1 Cash and Bank Balance 45,610,515 27,262,528 12,769,880 12,552,337 10,015,195 9,987,330

2.2 Money at Call and Short Notice - - - - 200,000 200,000

2.3 Investments 21,489,770 21,528,480 22,232,643 22,171,572 17,387,811 17,427,219

2.4 Loans and Advances (Gross) 84,374,373 84,374,373 77,482,671 77,482,671 66,149,034 66,149,034

a. Real Estate Loan 4,636,577 4,636,577 4,574,808 4,574,808 4,366,481 4,366,481

1. Residential Real Estate Loan (Except Personal Home Loan upto Rs. 1 Crore) 520,188 520,188 486,180 486,180 603,823 603,823

2. Business Compex & Residential Apartment Construction Loan 1,869,926 1,869,926 1,721,757 1,721,757 1,557,778 1,557,778

3. Income Generating Commercial Complex Loan 180,650 180,650 182,690 182,690 78,219 78,219

4. Other Real Estate Loan (Including Land Purchase and Plotting) 2,065,812 2,065,812 2,184,181 2,184,181 2,126,661 2,126,661

b. Personal Home Loan of Rs. 1 Crore or Less 1,346,631 1,346,631 1,376,585 1,376,585 1,409,056 1,409,056

c. Margin Type Loan 667,778 667,778 550,654 550,654 117,044 117,044

d. Term Loan 18,131,120 18,131,120 17,320,548 17,320,548 13,239,712 13,239,712

e. Overdraft/TR Loan/WC Loan 52,339,445 52,339,445 46,406,326 46,406,326 40,009,199 40,009,199

f. Others 7,252,822 7,252,822 7,253,714 7,253,714 7,007,541 7,007,541

2.5 Fixed Assets (Net) 1,052,474 1,028,095 1,049,267 1,033,264 1,034,674 1,025,656

2.6 Non Banking Assets (Net) - - - - - -

2.7 Other Assets 930,912 852,478 1,034,133 993,033 918,419 904,187

3 Profit & Loss Account Up to This Quarter Up to Previous Quarter Up to Corresponding Quarter Previous Year

3.1 Interest Income 4,893,848 4,879,683 3,194,684 3,184,777 4,228,889 4,224,024

3.2 Interest Expense (2,178,861) (2,178,861) (1,519,910) (1,519,910) (2,021,713) (2,021,713)

A. Net Interest Income (3.1-3.2) 2,714,987 2,700,822 1,674,773 1,664,867 2,207,176 2,202,311

3.3 Fees, Commission and Discount 494,496 441,644 278,076 256,350 388,449 377,744

3.4 Other Operating Income 218,673 218,673 123,866 123,655 170,032 167,544

3.5 Foreign Exchange Gain/Loss (Net) 377,942 377,942 247,965 247,965 322,060 322,060

B. Total Operating Income (A.+3.3+3.4+3.5) 3,806,098 3,738,870 2,324,680 2,292,837 3,087,717 3,069,660

3.6 Staff Expenses (378,570) (365,613) (250,115) (243,047) (337,228) (329,788)

3.7 Other Operating Expenses (459,738) (450,828 (297,390) (291,885) (404,807) (399,317)

C. Operating Profit Before Provision (B.-3.6-3.7) 2,967,790 2,922,429 1,777,175 1,757,905 2,345,683 2,340,554

3.8 Provision for Possible Losses (487,268) (487,268) (318,516) (318,516) (506,123) (506,123)

D. Operating Profit (C.-3.8) 2,480,521 2,435,161 1,458,659 1,439,388 1,839,560 1,834,431

3.9 Non Operating Income/Expenses (Net) 14,495 14,495 10,825 10,825 17,934 17,934

3.10 Write Back of Provision for Possible Loss 428,676 428,676 244,076 244,076 565,145 565,145

E. Profit from Regular Activities (D+3.9+3.10) 2,923,693 2,878,332 1,713,560 1,694,290 2,422,639 2,417,511

3.11 Extra-ordinary Income/Expenses (Net) - - - - - -

F. Profit before Bonus and Taxes (E+3.11) 2,923,693 2,878,332 1,713,560 1,694,290 2,422,639 2,417,511

3.12 Provision for Staff Bonus (265,790) (261,667) (155,778) (154,026) (220,240) (219,774)

3.13 Provision for Tax (795,350) (785,041) (466,459) (462,079) (670,980) (669,814)

G. Net Profit/(Loss) (F-3.12-3.13) 1,862,552 1,831,624 1,091,323 1,078,184 1,531,420 1,527,923

3.14 Share of non-controlling interest in Profit of Subsidiary - - - - - -

H. Net Profit/Loss (G-3.14) 1,862,552 1,831,624 1,091,323 1,078,184 1,531,420 1,527,923

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 16.12% 16.12% 11.69% 11.69% 11.88% 11.88%

4.2 Non Performing Loan (NPL) to Total Loan 0.78% 0.78% 1.10% 1.10% 1.28% 1.28%

4.3 Total Loan Loss Provision to Total NPL 234.71% 234.71% 180.32% 180.32% 162.66% 162.66%

4.4 CD Ratio (As per NRB Directives) 70.05% 70.05% 76.67% 76.67% 77.42% 77.42%

4.5 Net Liquid Assets/Total Deposit 29.81% 29.81% 31.37% 31.37% 30.25% 30.25%

4.6 Base Rate 4.80% 4.80% 5.45% 5.45% 6.16% 6.16%

4.7 Average Yield LCY Lending & Investments (As per NRB Directives) 7.61% 7.61% 7.59% 7.59% 8.17% 8.17%

4.8 Cost of Funds LCY Deposits (As per NRB Directives) 2.65% 2.65% 3.16% 3.16% 3.67% 3.67%

4.9 Interest Spread LCY (As per NRB Directives) 4.96% 4.96% 4.43% 4.43% 4.50% 4.50%

4.10 Return on Equity (Closing Annualized) 14.49% 14.29% 20.00% 19.81% 21.57% 21.54%

4.11 Return on Assets (Closing Annualized) 1.62% 1.81% 1.91% 1.89% 2.13% 2.13%

4.12 Earning Per share (EPS Annualized) 34.24 33.67 34.40 33.98 42.80 40.70

4.13 PE Ratio 32.10 32.64 22.59 22.87 16.54 16.58

4.14 Networth Per Share 236.28 235.63 172.01 171.54 198.41 198.19

4.15 Total Assets Per Share 2,115.89 1,862.02 1,805.45 1,801.74 2,005.97 2,005.73

Notes:

Previous quarters' figures have been regrouped and rearranged wherever necessary.

The above figures are subject to change as per the directions, if any, of Nepal Rastra Bank and/or Statutory Auditor.

Group represents Nepal Investment Bank Ltd. and its 100% subsidiary NIBL Capital Markets Ltd.

Inter-company transactions among the Group have been eliminated in the above statement related to the Group.

As at Second Quarter (14/01/2016) of the FY 2015-2016 (FY 2072-73) [PDF Format]

Figures in NPR('000)

S/N Particulars This Quarter Ending Poush end 2072 Previous Quarter Ending Ashwin end 2072 Corresponding Quarter Previous Year ending Poush end 2071

Group NIBL Group NIBL Group NIBL

1 Total Capital and Liabilities (1.1 to 1.8) 114,568,594 114,332,878 111,784,656 111,469,739 94,285,771 94,282,082

1.1 Paid Up Capital 6,345,701 6,345,701 6,345,701 6,345,701 4,771,204 4,771,204

1.2 Reserve and Surplus 4,569,252 4,539,436 3,907,705 3,885,086 4,127,075 4,122,839

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 783,549 783,549 274,548 274,548 318,804 318,804

1.5 Deposit (a+b) 98,067,810 98,081,283 95,897,811 95,902,778 79,925,467 79,926,014

a. Domestic Currency 87,989,140 88,002,613 86,789,897 86,794,864 72,015,670 72,016,217

b. Foreign Currency 10,078,670 10,078,670 9,107,914 9,107,914 7,909,798 7,909,798

1.6 Income Tax Liability (1,464) (1,464) 78,292 78,292 5,409 5,409

1.7 Other Liabilities 3,253,746 3,034,374 3,730,600 3,433,336 3,337,813 3,337,813

1.8 Non-Controlling Interest - - - - - -

2 Total Assets (2.1 to 2.7) 114,568,594 114,332,878 111,784,656 111,469,739 94,285,771 94,282,082

2.1 Cash and Bank Balance 12,769,880 12,552,337 16,387,250 16,075,392 10,145,483 10,058,316

2.2 Money at Call and Short Notice - - 272,590 272,590 200,000 200,000

2.3 Investments 22,232,643 22,271,572 19,136,567 19,173,429 18,322,046 18,417,759

2.4 Loans and Advances (Gross) 77,482,671 77,482,671 74,110,818 74,110,818 63,744,668 63,744,668

a. Real Estate Loan 4,574,808 4,574,808 4,456,258 4,456,258 4,315,074 4,315,074

1. Residential Real Estate Loan (Except Personal Home Loan upto Rs. 1 Crore) 486,180 486,180 472,274 472,274 595,820 595,820

2. Business Compex & Residential Apartment Construction Loan 1,721,757 1,721,757 1,764,754 1,764,754 1,470,688 1,470,688

3. Income Generating Commercial Complex Loan 182,690 182,690 183,932 183,932 35,091 35,091

4. Other Real Estate Loan (Including Land Purchase and Plotting) 2,184,181 2,184,181 2,035,298 2,035,298 2,213,475 2,213,475

b. Personal Home Loan of Rs. 1 Crore or Less 1,376,585 1,376,585 1,400,322 1,400,322 1,477,420 1,477,420

c. Margin Type Loan 550,654 550,654 508,274 508,274 44,245 44,245

d. Term Loan 17,320,584 17,320,584 16,424,792 16,424,792 10,484,520 10,484,520

e. Overdraft/TR Loan/WC Loan 46,406,326 46,406,326 44,157,771 44,157,771 40,265,667 40,265,667

f. Others 7,253,714 7,253,714 7,163,401 7,163,401 7,157,742 7,157,742

2.5 Fixed Assets (Net) 1,049,267 1,033,264 1,066,398 1,052,896 1,053,159 1,045,853

2.6 Non Banking Assets (Net) - - - - - -

2.7 Other Assets 1,034,133 993,033 811,032 784,614 820,414 815,486

3 Profit & Loss Account Up to This Quarter Up to Previous Quarter Up to Corresponding Quarter Previous Year

3.1 Interest Income 3,194,684 3,184,777 1,442,802 1,436,222 2,777,577 2,774,455

3.2 Interest Expense (1,519,910) (1,519,910) (787,713) (787,713) (1,336,255) (1,336,287)

A. Net Interest Income (3.1-3.2) 1,674,773 1,664,867 655,089 648,508 1,441,322 1,438,169

3.3 Fees, Commission and Discount 278,076 256,350 135,193 125,785 239,478 236,828

3.4 Other Operating Income 123,866 123,655 63,906 63,057 113,256 111,385

3.5 Foreign Exchange Gain/Loss (Net) 247,965 247,965 131,630 131,630 212,754 212,754

B. Total Operating Income (A.+3.3+3.4+3.5) 2,324,680 2,292,837 985,817 968,980 2,006,809 1,999,135

3.6 Staff Expenses (250,115) (243,047) (124,072) (119,655) (223,905) (218,829)

3.7 Other Operating Expenses (297,390) (291,885) (143,706) (140,003) (267,518) (264,273)

C. Operating Profit Before Provision (B.-3.6-3.7) 1,777,175 1,757,905 718,039 709,322 1,515,386 1,516,034

3.8 Provision for Possible Losses (318,516) (318,516) (131,958) (131,958) (363,710) (363,710)

D. Operating Profit (C.-3.8) 1,458,659 1,439,388 586,081 577,365 1,151,677 1,152,324

3.9 Non Operating Income/Expenses (Net) 10,825 10,825 4,056 4,056 1,361 1,361

3.10 Write Back of Provision for Possible Loss 244,076 244,076 84,604 84,604 368,236 368,236

E. Profit from Regular Activities (D+3.9+3.10) 1,713,560 1,694,290 674,741 666,024 1,521,273 1,521,920

3.11 Extra-ordinary Income/Expenses (Net) - - - - - -

F. Profit before Bonus and Taxes (E+3.11) 1,713,560 1,694,290 674,741 666,024 1,521,273 1,521,920

3.12 Provision for Staff Bonus (155,778) (154,026) (61,340) (60,548) (138,356) (138,356)

3.13 Provision for Tax (466,459) (462,079) (183,624) (181,643) (417,490) (417,490)

G. Net Profit/(Loss) (F-3.12-3.13) 1,091,323 1,078,184 429,777 423,834 965,427 966,074

3.14 Share of non-controlling interest in Profit of Subsidiary - - - - - -

H. Net Profit/Loss (G-3.14) 1,091,323 1,078,184 429,777 423,834 965,427 966,074

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 11.69% 11.69% 11.31% 11.31% 11.92% 11.92%

4.2 Non Performing Loan (NPL) to Total Loan 1.10% 1.10% 1.07% 1.07% 1.13% 1.13%

4.3 Total Loan Loss Provision to Total NPL 180.32% 180.32% 192.25% 192.25% 199.81% 199.81%

4.4 CD Ratio (As per NRB Directives) 76.67% 76.67% 74.63% 74.63% 75.92% 75.92%

4.5 Net Liquid Assets/Total Deposit 31.37% 31.37% 35.06% 35.06% 30.45% 30.45%

4.6 Base Rate 5.45% 5.45% 5.83% 5.83% 6.07% 6.07%

4.7 Average Yield LCY Lending & Investments (As per NRB Directives) 7.59% 7.59% 8.06% 8.06% 8.14% 8.14%

4.8 Cost of Funds LCY Deposits (As per NRB Directives) 3.16% 3.16% 3.49% 3.49% 3.60% 3.60%

4.9 Interest Spread LCY (As per NRB Directives) 4.43% 4.43% 4.57% 4.57% 4.54% 4.54%

4.10 Return on Equity (Closing Annualized) 20.00% 19.81% 16.77% 16.57% 21.70% 21.72%

4.11 Return on Assets (Closing Annualized) 1.91% 1.89% 1.54% 1.52% 2.05% 2.05%

4.12 Earning Per share (EPS Annualized) 34.40 33.98 27.09 26.72 40.47 40.50

4.13 PE Ratio 22.59 22.87 38.13 38.67 18.04 18.03

4.14 Networth Per Share 172.01 171.54 161.58 161.22 186.50 186.41

4.15 Total Assets Per Share 1,805.45 1,801.74 1,761.58 1,756.62 1,976.22 1,976.15

Notes:

Previous quarters' figures have been regrouped and rearranged wherever necessary.

The above figures are subject to change as per the directions, if any, of Nepal Rastra Bank and/or Statutory Auditor.

Group represents Nepal Investment Bank Ltd. and its 100% subsidiary NIBL Capital Markets Ltd.

Inter-company transactions among the Group have been eliminated in the above statement related to the Group.

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:

Previous quarters' figures have been regrouped and rearranged whereever necessary.

The above figures are subject to change as per the directions, if any, of Nepal Rastra Bank and/or Statutory Auditor.

Group represents Nepal Investment Bank Ltd. and its 100% subsidiary NIBL Capital Markets Ltd.

Intercompany transactions among the Group have been eliminated in the above statement related to the Group.

Unaudited Financial Results (Quarterly)

As at Fourth Quarter (16/07/2015) of the FY 2014-2015 (FY 2071-72) [PDF Format]

Figures in NPR('000)

S/N Particulars This Quarter Ending Ashad end 2072 Previous Quarter Ending Chaitra end 2071 Corresponding Quarter Previous Year ending Ashad end 2071

Group NIBL Group NIBL Group NIBL

1 Total Capital and Liabilities (1.1 to 1.8) 109,555,249 105,820,393 95,709,057 95,697,352 87,618,310 87,612,632

1.1 Paid Up Capital 4,771,204 4,771,204 4,771,204 4,771,204 4,768,714 4,768,714

1.2 Reserve and Surplus 5,138,446 5,121,009 4,695,325 4,684,688 3,163,905 3,156,765

1.3 Debenture and Bond 1,550,000 1,550,000 1,800,000 1,800,000 1,050,000 1,050,000

1.4 Borrowings 263,116 263,116 288,750 288,750 424,340 424,340

1.5 Deposit (a+b) 90,630,660 90,631,487 81,165,151 81,168,093 73,828,084 73,831,376

a. Domestic Currency 80,856,057 80,856,884 72,790,083 72,793,025 65,518,542 65,521,816

b. Foreign Currency 9,774,603 9,774,603 8,375,068 8,375,068 8,309,560 8,309,560

1.6 Income Tax Liability 3,432 - (6,884) (8,049) - -

1.7 Other Liabilities 7,198,391 3,483,577 2,995,511 2,992,666 4,383,267 4,381,438

1.8 Non-Controlling Interest - - - - - -

2 Total Assets (2.1 to 2.7) 109,555,249 105,820,393 95,709,057 95,697,352 87,618,310 87,612,632

2.1 Cash and Bank Balance 18,041,469 14,315,048 10,015,195 9,987,330 16,825,948 16,744,711

2.2 Money at Call and Short Notice - - 200,000 200,000 232,275 232,375

2.3 Investments 21,433,179 21,462,588 17,387,811 17,427,219 15,283,226 15,393,529

2.4 Loans and Advances (Gross) 67,690,199 67,690,199 66,149,034 66,149,034 53,458,470 53,458,470

a. Real Estate Loan 4,549,507 4,549,507 4,366,481 4,366,481 4,961,595 4,961,595

1. Residential Real Estate Loan (Except Personal Home Loan upto Rs. 1 Crore) 437,454 437,454 603,823 603,823 542,695 542,695

2. Business Compex & Residential Apartment Construction Loan 1,919,381 1,919,381 1,557,778 1,557,778 1,734,252 1,734,252

3. Income Generating Commercial Complex Loan 73,740 73,740 78,219 78,219 36,824 36,824

4. Other Real Estate Loan (Including Land Purchase and Plotting) 2,118,932 2,118,932 2,126,661 2,126,661 2,647,824 2,647,824

b. Personal Home Loan of Rs. 1 Crore or Less 1,447,741 1,447,741 1,409,056 1,409,056 1,479,546 1,479,546

c. Margin Type Loan 52,316 52,316 117,044 117,044 48,505 48,505

d. Term Loan 15,558,548 15,558,548 13,239,712 13,239,712 9,124,992 9,124,992

e. Overdraft/TR Loan/WC Loan 39,337,746 39,337,746 40,009,199 40,009,199 32,507,649 32,507,649

f. Others 6,744,340 6,744,340 7,007,541 7,007,541 5,336,182 5,336,182

2.5 Fixed Assets (Net) 1,066,517 1,054,132 1,034,674 1,025,656 1,064,550 1,058,313

2.6 Non Banking Assets (Net) 3,926 3,926 3,926 3,926 - -

2.7 Other Assets 1,319,959 1,294,501 918,419 904,187 753,741 735,234

3 Profit & Loss Account Up to This Quarter Up to Previous Quarter Up to Corresponding Quarter Previous Year

3.1 Interest Income 5,793,434 5,786,160 4,228,889 4,224,024 5,820,592 5,816,279

3.2 Interest Expense (2,807,166) (2,807,361) (2,021,713) (2,021,713) (2,818,806) (2,820,475)

A. Net Interest Income (3.1-3.2) 2,986,268 2,978,799 2,207,176 2,202,311 3,001,786 2,995,804

3.3 Fees, Commission and Discount 514,080 497,300 388,449 377,744 479,699 478,608

3.4 Other Operating Income 246,628 237,469 170,032 167,544 225,559 211,346

3.5 Foreign Exchange Gain/Loss (Net) 458,418 458,418 322,060 322,060 460,227 460,227

B. Total Operating Income (A.+3.3+3.4+3.5) 4,205,394 4,171,987 3,087,717 3,069,660 4,167,270 4,145,985

3.6 Staff Expenses (492,081) (480,732) (337,228) (329,788) (446,527) (437,766)

3.7 Other Operating Expenses (579,065) (572,108) (404,807) (399,317) (542,960) (539,331)

C. Operating Profit Before Provision (B.-3.6-3.7) 3,134,248 3,119,147 2,345,683 2,340,554 3,177,783 3,168,889

3.8 Provision for Possible Losses (571,391) (571,391) (506,123) (506,123) (277,278) (277,278)

D. Operating Profit (C.-3.8) 2,562,858 2,547,756 1,839,560 1,834,431 2,900,504 2,891,610

3.9 Non Operating Income/Expenses (Net) 15,592 15,592 17,934 17,934 11,841 11,841

3.10 Write Back of Provision for Possible Loss 537,704 537,704 565,145 565,145 139,148 139,148

E. Profit from Regular Activities (D+3.9+3.10) 3,116,154 3,101,052 2,422,639 2,417,511 3,051,494 3,042,600

3.11 Extra-ordinary Income/Expenses (Net) - - - - 527 527

F. Profit before Bonus and Taxes (E+3.11) 3,116,154 3,101,052 2,422,639 2,417,511 3,052,021 3,043,127

3.12 Provision for Staff Bonus (283,287) (281,914) (220,240) (219,774) (277,456) (276,648)

3.13 Provision for Tax (858,326) (854,894) (670,980) (669,814) (826,867) (826,867)

G. Net Profit/(Loss) (F-3.12-3.13) 1,974,541 1,964,244 1,531,420 1,527,923 1,947,698 1,939,612

3.14 Share of non-controlling interest in Profit of Subsidiary - - - - - -

H. Net Profit/Loss (G-3.14) 1,974,541 1,964,244 1,531,420 1,527,923 1,947,698 1,939,612

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 11.99% 11.99% 11.88% 11.88% 11.27% 11.27%

4.2 Non Performing Loan (NPL) to Total Loan 1.25% 1.25% 1.28% 1.28% 1.77% 1.77%

4.3 Total Loan Loss Provision to Total NPL 173.96% 173.96% 162.66% 162.66% 151.90% 151.90%

4.4 CD Ratio (As per NRB Directives) 72.76% 72.76% 77.42% 77.42% 71.86% 71.86%

4.5 Net Liquid Assets/Total Deposit 34.54% 34.54% 30.25% 30.25% 41.41% 41.41%

4.6 Base Rate 6.54% 6.54% 6.16% 6.16% 6.94% 6.94%

4.7 Average Yield LCY Lending & Investments (As per NRB Directives) 8.09% 8.09% 8.17% 8.17% 9.32% 9.32%

4.8 Cost of Funds LCY Deposits (As per NRB Directives) 3.63% 3.63% 3.67% 3.67% 3.91% 3.91%

4.9 Interest Spread LCY (As per NRB Directives) 4.46% 4.46% 4.50% 4.50% 5.41% 5.41%

4.10 Return on Equity (Closing Annualized) 19.93% 19.86% 21.57% 21.54% 24.55% 20.24%

4.11 Return on Assets (Closing Annualized) 1.80% 1.86% 2.13% 2.13% 2.22% 2.21%

4.12 Earning Per share (EPS Annualized) 41.38 41.17 42.80 42.70 40.48 40.67

4.13 PE Ratio 17.01 17.10 16.54 16.58 23.50 23.60

4.14 Networth Per Share 207.70 207.33 198.41 198.19 166.35 166.20

4.15 Total Assets Per Share 2,296.18 2,217.90 2,005.97 2,005.73 1,837.36 1,837.24

Notes

Previous quarters' figures have been regrouped and rearranged where-ever necessary.

The above figures are subject to change as per the directions, if any, of Nepal Rastra Bank and/or Statutory Auditor.

Group represents Nepal Investment Bank Ltd. and its 100% subsidiary NIBL Capital Markets Ltd.

Inter-company transactions among the Group have been eliminated in the above statement related to the Group.

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

Previous quarters' figures have been regrouped and rearranged where-ever necessary.

The above figures are subject to change as per the directions, if any, of Nepal Rastra Bank and/or Statutory Auditor.

Group represents Nepal Investment Bank Ltd. and its 100% subsidiary NIBL Capital Markets Ltd.

Inter-company transactions among the Group have been eliminated in the above statement related to the Group.

Unaudited Financial Results (Quarterly)

As at Second Quarter (14/01/2015) of the FY 2014-2015 (FY 2071-72) [PDF Format]

Figures in NPR('000)

S/N Particulars This Quarter Ending Poush end 2071 Previous Quarter Ending Ashwin end 2071 (audited) Corresponding Quarter Previous Year ending Poush end 2070

Group NIBL Group NIBL Group NIBL

1 Total Capital and Liabilities (1.1 to 1.8) 94,289,697 94,286,008 89,426,147 89,424,410 84,510,798 84,514,465

1.1 Paid Up Capital 4,771,204 4,771,204 4,768,714 4,768,714 4,146,708 4,146,708

1.2 Reserve and Surplus 4,127,075 4,122,839 3,652,318 3,648,083 3,817,069 3,814,644

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 318,804 318,804 407,821 407,821 436,057 436,057

1.5 Deposit (a+b) 79,925,467 79,926,014 74,938,731 74,941,229 71,990,337 71,996,429

a. Domestic Currency 72,015,670 72,016,217 66,196,557 66,199,056 60,910,293 60,916,385

b. Foreign Currency 7,909,798 7,909,798 8,742,173 8,742,173 11,080,044 11,080,044

1.6 Income Tax Liability 5,409 5,409 132,099 132,099 - -

1.7 Other Liabilities 3,341,738 3,341,738 3,726,464 3,726,464 2,820,627 2,820,627

1.8 Non-Controlling Interest - - - - - -

2 Total Assets (2.1 to 2.7) 94,289,697 94,286,008 89,426,147 89,424,410 84,510,798 84,514,465

2.1 Cash and Bank Balance 10,145,483 10,058,316 9,332,713 9,247,497 17,246,895 17,154,428

2.2 Money at Call and Short Notice 200,000 200,000 800,000 800,000 1,239,220 1,239,220

2.3 Investments 18,322,046 18,417,759 17,737,340 17,833,053 11,718,357 11,818,628

2.4 Loans and Advances (Gross) 63,744,668 63,744,668 59,818,119 59,818,119 52,250,960 52,250,960

a. Real Estate Loan 4,315,074 4,315,074 4,483,350 4,483,350 5,695,086 5,695,086

1. Residential Real Estate Loan (Except Personal Home Loan upto Rs. 1 Crore) 595,820 595,820 597,471 597,471 576,227 576,227

2. Business Compex & Residential Apartment Construction Loan 1,470,688 1,470,688 1,496,026 1,496,026 1,893,787 1,893,787

3. Income Generating Commercial Complex Loan 35,091 35,091 38,807 38,807 40,063 40,063

4. Other Real Estate Loan (Including Land Purchase and Plotting) 2,213,475 2,213,475 2,351,047 2,351,047 3,185,008 3,185,008

b. Personal Home Loan of Rs. 1 Crore or Less 1,477,420 1,477,420 1,497,447 1,497,447 1,478,838 1,478,838

c. Margin Type Loan 44,245 44,245 63,213 63,213 53,647 53,647

d. Term Loan 10,484,520 10,484,520 9,819,781 9,819,781 8,051,442 8,051,442

e. Overdraft/TR Loan/WC Loan 40,265,667 40,265,667 37,842,504 37,842,504 31,573,558 31,573,558

f. Others 7,157,742 7,157,742 6,111,822 6,111,822 5,398,389 5,398,389

2.5 Fixed Assets (Net) 1,053,159 1,045,853 1,071,637 1,064,331 1,065,430 1,061,708

2.6 Non Banking Assets (Net) 3,926 3,926 3,926 3,926 - -

2.7 Other Assets 820,414 815,486 662,413 657,484 989,936 989,522

3 Profit & Loss Account Up to This Quarter Up to Previous Quarter Up to Corresponding Quarter Previous Year

3.1 Interest Income 2,777,577 2,774,455 1,373,686 1,372,573 2,901,521 2,898,573

3.2 Interest Expense (1,336,255) (1,336,287) (668,168) (668,168) (1,482,048) (1,482,888)

A. Net Interest Income (3.1-3.2) 1,441,322 1,438,169 705,518 704,405 1,419,474 1,415,686

3.3 Fees, Commission and Discount 239,478 236,828 129,130 128,910 209,984 209,984

3.4 Other Operating Income 113,256 111,385 43,940 43,940 127,248 123,221

3.5 Foreign Exchange Gain/Loss (Net) 212,754 212,754 98,918 98,918 244,889 244,889

B. Total Operating Income (A.+3.3+3.4+3.5) 2,006,809 1,999,135 977,506 976,174 2,001,595 1,993,779

3.6 Staff Expenses (223,905) (218,829) (111,322) (108,651) (196,716) (193,133)

3.7 Other Operating Expenses (267,518) (264,273) (132,456) (130,889) (252,796) (250,678)

C. Operating Profit Before Provision (B.-3.6-3.7) 1,515,386 1,516,034 733,728 736,633 1,552,083 1,549,968

3.8 Provision for Possible Losses (363,710) (363,710) (197,912) (197,912) (287,548) (287,548)

D. Operating Profit (C.-3.8) 1,151,677 1,152,324 535,815 538,720 1,264,535 1,262,421

3.9 Non Operating Income/Expenses (Net) 1,361 1,361 1,361 1,361 556 556

3.10 Write Back of Provision for Possible Loss 368,236 368,236 235,793 235,793 212,757 212,757

E. Profit from Regular Activities (D+3.9+3.10) 1,521,273 1,521,920 772,969 775,874 1,477,848 1,475,734

3.11 Extra-ordinary Income/Expenses (Net) - - - - - -

F. Profit before Bonus and Taxes (E+3.11) 1,521,273 1,521,920 772,969 775,874 1,477,848 1,475,734

3.12 Provision for Staff Bonus (138,356) (138,356) (70,534) (70,534) (134,158) (134,158)

3.13 Provision for Tax (417,490) (417,490) (214,023) (214,023) (403,297) (402,768)

G. Net Profit/(Loss) (F-3.12-3.13) 965,427 966,074 488,412 491,318 940,394 938,808

3.14 Share of non-controlling interest in Profit of Subsidiary - - - - - -

H. Net Profit/Loss (G-3.14) 965,427 966,074 488,412 491,318 940,394 938,808

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 11.92% 11.92% 12.00% 12.00% 11.52% 11.52%

4.2 Non Performing Loan (NPL) to Total Loan 1.13% 1.13% 1.55% 1.55% 1.76% 1.76%

4.3 Total Loan Loss Provision to Total NPL 199.81% 199.81% 150.41% 150.41% 149.23% 149.23%

4.4 CD Ratio (As per NRB Directives) 75.92% 75.92% 78.10% 78.10% 73.78% 73.78%

4.5 Net Liquid Assets/Total Deposit 30.45% 30.45% 32.29% 32.29% 38.93% 38.93%

4.6 Base Rate 6.07% 6.07% 6.49% 6.49% 7.07% 7.07%

4.7 Average Yield LCY Lending & Investments (As per NRB Directives) 8.14% 8.14% 8.21% 8.21% 10.74% 10.74%

4.8 Cost of Funds LCY Deposits (As per NRB Directives) 3.60% 3.60% 3.69% 3.69% 4.41% 4.41%

4.9 Interest Spread LCY (As per NRB Directives) 4.54% 4.54% 4.52% 4.52% 6.33% 6.33%

4.10 Return on Equity (Closing Annualized) 21.70% 21.72% 23.20% 23.35% 23.62% 23.58%

4.11 Return on Assets (Closing Annualized) 2.05% 2.05% 2.18% 2.20% 2.23% 2.22%

4.12 Earning Per share (EPS Annualized) 40.47 40.50 40.97 41.21 45.36 45.28

4.13 PE Ratio 18.04 18.03 18.67 18.56 22.27 22.31

4.14 Networth Per Share 186.50 186.41 176.59 176.50 192.05 191.99

4.15 Total Assets Per Share 1,976.22 1,976.15 1,875.27 1,875.23 2,038.02 2,038.11

Notes:

Previous quarters' figures have been regrouped and rearranged whereever necessary.

The above figures are subject to change as per the directions, if any, of Nepal Rastra Bank and/or Statutory Auditor.

Group represents Nepal Investment Bank Ltd. and its 100% subsidiary NIBL Capital Markets Ltd.

Intercompany transactions among the Group have been eliminated in the above statement related to the Group.

Unaudited Financial Results (Quarterly)

As at First Quarter (17/10/2014) of the FY 2014-2015 (FY 2071-72) [PDF Format]

Figures in NPR('000)

S/N Particulars This Quarter Ending Ashwin end 2071 Previous Quarter Ending Ashad end 2071 (audited) Corresponding Quarter Previous Year ending Ashwin end 2070

Group NIBL Group NIBL Group NIBL

1 Total Capital and Liabilities (1.1 to 1.8) 89,426,147 89,424,410 87,618,310 87,612,632 83,823,740 83,824,951

1.1 Paid Up Capital 4,768,714 4,768,714 4,768,714 4,768,714 4,144,808 4,144,808

1.2 Reserve and Surplus 3,652,318 3,648,083 3,163,905 3,156,765 3,338,642 3,338,446

1.3 Debenture and Bond 1,800,000 1,800,000 1,050,000 1,050,000 1,300,000 1,300,000

1.4 Borrowings 407,821 407,821 424,340 424,340 434,674 424,674

1.5 Deposit (a+b) 74,984,731 74,941,229 73,828,084 73,831,376 71,144,633 71,146,041

a. Domestic Currency 66,196,557 66,199,056 65,518,524 65,521,816 60,931,325 60,932,733

b. Foreign Currency 8,742,173 8,742,173 8,309,560 8,309,560 10,213,309 10,213,309

1.6 Income Tax Liability 132,099 132,099- - - 70,015- 70,015-

1.7 Other Liabilities 3,726,464 3,726,464 4,383,267 4,381,438 3,390,966 3,390,966

1.8 Non-Controlling Interest - - - - - -

2 Total Assets (2.1 to 2.7) 89,426,147 89,424,410 87,618,310 87,612,632 83,823,740 83,824,951

2.1 Cash and Bank Balance 9,332,713 9,247,497 16,825,948 16,744,711 20,285,006 20,192,704

2.2 Money at Call and Short Notice 800,000 800,000 232,375 232,375
-

-

2.3 Investments 17,737,340 17,833,053 15,283,226 15,838,529 11,429,388 11,529,659

2.4 Loans and Advances (Gross) 59,818,119 59,818,119 53,458,470 53,458,470 50,219,704 50,219,704

a. Real Estate Loan 4,483,350 4,483,350 4,961,595 4,961,595 6,102,743 6,102,743

1. Residential Real Estate Loan (Except Personal Home Loan upto Rs. 1 Crore) 597,471 597,471 542,695 542,695 530,581 530,581

2. Business Compex & Residential Apartment Construction Loan 1,496,026 1,496,026 1,734,252 1,734,252 1,999,211 1,999,211

3. Income Generating Commercial Complex Loan 38,807 36,807 36,824 36,824 43,289 43,289

4. Other Real Estate Loan (Including Land Purchase and Plotting) 2,351,047 2,351,047 2,647,824 2,647,824 3,529,663 3,529,663

b. Personal Home Loan of Rs. 1 Crore or Less 1,497,447 1,497,447 1,479,546 1,479,546 1,466,464 1,466,464

c. Margin Type Loan 63,213 63,213 48,505 48,505 50,022 50,022

d. Term Loan 9,819,781 9,819,781 9,124,992 9,124,992 7,943,545 7,943,545

e. Overdraft/TR Loan/WC Loan 37,842,504 37,842,504 32,507,649 32,507,649 30,167,529 30,167,529

f. Others 6,111,822 6,111,822 5,336,182 5,336,182 4,489,401 4,489,401

2.5 Fixed Assets (Net) 1,071,637 1,064,331 1,064,550 1,058,313 1,076,571 1,072,863

2.6 Non Banking Assets (Net) 3926 3926 - - - -

2.7 Other Assets 662,413 657,484 753,741 735,234 813,072 810,023

3 Profit & Loss Account Up to This Quarter Up to Previous Quarter Up to Corresponding Quarter Previous Year

3.1 Interest Income 1,373,686 1,372,573 5,820,592 5,816,279 1,473,270 1,471,306

3.2 Interest Expense (668,168) (668,168) (2,818,806) (2,820,475) (791,634) (791,634)

A. Net Interest Income (3.1-3.2) 705,518 704,405 3,001,786 2,995,804 681,637 679,672

3.3 Fees, Commission and Discount 129,130 128,910 479,699 478,608 96,187 96,187

3.4 Other Operating Income 43,940 43,940 225,559 211,346 65,029 64,829

3.5 Foreign Exchange Gain/Loss (Net) 98,918 98,918 460,227 460,227 146,596 146,596

B. Total Operating Income (A.+3.3+3.4+3.5) 977,506 976,174 4,167,270 4,145,985 989,449 987,285

3.6 Staff Expenses (111,322) (108,651) (446,527) (437,766) (93,230) (91,589)

3.7 Other Operating Expenses (132,456) (130,889) (542,960) (539,331) (123,203) (122,038)

C. Operating Profit Before Provision (B.-3.6-3.7) 733,728 736,633 3,177,783 3,168,889 773,015 773,658

3.8 Provision for Possible Losses (197,912) (197,912) (277,278) (277,278) (185,388) (185,388)

D. Operating Profit (C.-3.8) 535,815 538,720 2,900,504 2,891,610 587,627 588,270

3.9 Non Operating Income/Expenses (Net) 1,361 1,361 11,841 11,841 - -

3.10 Write Back of Provision for Possible Loss 235,793 235,793 138,148 139,148 138,688 138,688

E. Profit from Regular Activities (D+3.9+3.10) 772,969 775,874 3,351,494 2,042,600 726,316 726,958

3.11 Extra-ordinary Income/Expenses (Net) - - 527 527 -) -

F. Profit before Bonus and Taxes (E+3.11) 772,969 775,874 3,052,021 3,043,127 726,316 726,958

3.12 Provision for Staff Bonus (70,534) (70,534) (277,456) (276,648) (66,087) (66,087)

3.13 Provision for Tax (214,023) (214,023) (828,652) (826,867) (198,261) (198,261)

G. Net Profit/(Loss) (F-3.12-3.13) 488,412 491,318 1,945,913 1,939,612 461,967 462,610

3.14 Share of non-controlling interest in Profit of Subsidiary - - - - - -

H. Net Profit/Loss (G-3.14) 488,412 491,318 1,945,913 1,939,612 461,967 462,610

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 12.00% 12.00% 11.27% 11.27% 11.32% 11.32%

4.2 Non Performing Loan (NPL) to Total Loan 1.55% 1.55% 1.77% 1.77% 1.70% 1.70%

4.3 Total Loan Loss Provision to Total NPL 150.41% 150.41% 151.90% 151.90% 158.13% 158.13%

4.4 CD Ratio (As per NRB Directives) 78.10% 78.10% 71.90% 71.90% 73.40% 73.40%

4.5 Net Liquid Assets/Total Deposit 32.29% 32.29% 38.93% 38.93% 42.86% 42.86%

4.6 Base Rate 6.49% 6.49% 7.07% 7.07% 7.46% 7.46%

4.7 Average Yield LCY Lending (As per NRB Directives) 8.21% 8.21% 9.31% 9.31% 10.70% 10.70%

4.8 Cost of Funds LCY Deposits (As per NRB Directives) 3.69% 3.69% 3.91% 3.91% 4.67% 4.67%

4.9 Interest Spread LCY (As per NRB Directives) 4.52% 4.52% 5.40% 5.40% 6.03% 6.03%

4.10 Return on Equity (Annualized) 23.20% 23.35% 24.53% 24.47% 24.69% 24.73%

4.11 Return on Assets (Annualized) 2.18% 2.20% 2.22% 2.21% 2.20% 2.21%

4.12 Earning Per share (EPS Annualized) 40.97 41.21 40.81 40.67 44.58 44.64

4.13 PE Ratio 18.67 18.56 23.53 23.60 19.38 19.35

4.14 Networth Per Share 176.59 176.50 166.35 166.20 180.55 180.55

4.15 Total Assets Per Share 1,875.27 1,875.23 1,837.36 1,837.24 2,022.38 2,022.41

Notes:

1) Previous quarters' figures have been regrouped and rearranged wherever 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 Fourth Quarter (16/07/2014) of the FY 2013-2014 (FY 2070-71) [PDF Format]

Figures in NPR('000)

S/N Particulars This Quarter Ending Ashad end 2071 Previous Quarter Ending Chaitra end 2070 Corresponding Quarter Previous Year ending Ashad end 2070 (audited)

Group NIBL Group NIBL Group NIBL

1 Total Capital and Liabilities (1.1 to 1.8) 87,614,231 87,607,837 84,022,565 84,024,714 74,453,425 74,452,729

1.1 Paid Up Capital 4,146,708 4,146,708 4,146,708 4,146,708 4,144,808 4,144,808

1.2 Reserve and Surplus 4,833,683 4,826,636 4,268,298 4,267,847 2,876,675 2,875,836

1.3 Debenture and Bond 1,050,000 1,050,000 1,300,000 1,300,000 800,000 800,000

1.4 Borrowings 424,340 424,340 331,795 331,795 310,566 310,566

1.5 Deposit (a+b) 73,826,984 73,831,376 71,321,546 71,324,146 62,427,598 62,428,845

a. Domestic Currency 65,517,424 65,521,816 61,794,952 61,797,552 56,122,319 56,123,567

b. Foreign Currency 8,309,560 8,309,560 9,526,594 9,526,594 6,305,279 6,305,279

1.6 Income Tax Liability 1,912 - - - - -

1.7 Other Liabilities 3,330,603 3,328,778 2,654,218 2,654,218 3,893,778 3,892,674

1.8 Non-Controlling Interest - - - - - -

2 Total Assets (2.1 to 2.7) 87,614,231 87,607,837 84,022,565 84,024,714 74,453,425 74,452,729

2.1 Cash and Bank Balance 16,837,160 16,744,711 15,821,169 15,733,016 13,343,409 13,252,088

2.2 Money at Call and Short Notice 232,375 232,375 219,190 219,190 267,400 267,400

2.3 Investments 15,283,375 15,383,529 12,435,924 12,533,724 11,334,997 11,435,268

2.4 Loans and Advances (Gross) 53,458,470 53,458,470 53,567,231 53,567,231 47,700,628 47,700,628

a. Real Estate Loan 4,961,595 4,961,595 5,562,366 5,562,366 6,312,413 6,312,413

1. Residential Real Estate Loan (Except Personal Home Loan upto Rs. 1 Crore) 542,695 542,695 536,861 536,861 513,688 513,688

2. Business Compex & Residential Apartment Construction Loan 1,734,252 1,734,252 1,896,227 1,896,227 1,975,440 1,975,440

3. Income Generating Commercial Complex Loan 36,824 36,824 38,645 38,645 46,616 46,616

4. Other Real Estate Loan (Including Land Purchase and Plotting) 2,647,824 2,647,824 3,090,633 3,090,633 3,776,668 3,776,668

b. Personal Home Loan of Rs. 1 Crore or Less 1,479,546 1,479,546 1,480,882 1,480,882 1,456,825 1,456,825

c. Margin Type Loan 48,505 48,505 56,375 56,375 49,243 49,243

d. Term Loan 9,124,992 9,124,992 8,403,128 8,403,128 7,583,440 7,583,440

e. Overdraft/TR Loan/WC Loan 32,507,649 32,507,649 32,800,708 32,800,708 27,663,921 27,663,921

f. Others 5,336,182 5,336,182 5,263,771 5,263,771 4,634,786 4,634,786

2.5 Fixed Assets (Net) 1,064,550 1,058,313 1,048,887 1,042,514 1,072,590 1,068,837

2.6 Non Banking Assets (Net) - - 35,573 35,573 - -

2.7 Other Assets 738,300 730,439 894,592 893,467 734,402 728,508

3 Profit & Loss Account Up to This Quarter Up to Previous Quarter Up to Corresponding Quarter Previous Year

3.1 Interest Income 5,820,592 5,816,279 4,310,312 4,306,943 5,885,530 5,865,840

3.2 Interest Expense (2,818,806) (2,820,475) (2,142,580) (2,143,420) (2,773,789) (2,774,788)

A. Net Interest Income (3.1-3.2) 3,001,786 2,995,804 2,167,731 2,163,523 3,111,740 3,091,052

3.3 Fees, Commission and Discount 481,024 478,608 315,155 315,155 336,973 348,701

3.4 Other Operating Income 224,178 211,346 176,712 172,639 199,839 199,417

3.5 Foreign Exchange Gain/Loss (Net) 460,227 460,227 336,551 336,551 360,245 360,245

B. Total Operating Income (A.+3.3+3.4+3.5) 4,167,215 4,145,985 2,996,148 2,987,867 4,008,797 3,999,414

3.6 Staff Expenses (446,488) (437,766) (294,922) (289,084) (384,694) (379,942)

3.7 Other Operating Expenses (542,970) (539,331) (388,601) (385,769) (518,879) (515,837)

C. Operating Profit Before Provision (B.-3.6-3.7) 3,177,756 3,168,889 2,312,626 2,313,014 3,105,224 3,103,636

3.8 Provision for Possible Losses (430,508) (430,508) (393,243) (393,243) (958,336) (958,336)

D. Operating Profit (C.-3.8) 2,747,248 2,738,380 1,919,382 1,919,771 2,146,888 2,145,300

3.9 Non Operating Income/Expenses (Net) 11,841 11,841 8,345 8,345 10,431 10,431

3.10 Write Back of Provision for Possible Loss 309,959 309,959 259,267 259,267 930,004 930,004

E. Profit from Regular Activities (D+3.9+3.10) 3,069,049 3,060,181 2,186,995 2,187,383 3,087,323 3,085,734

3.11 Extra-ordinary Income/Expenses (Net) 527 527 527 527 (74,393) (74,393)

F. Profit before Bonus and Taxes (E+3.11) 3,069,576 3,060,708 2,187,522 2,187,911 3,012,929 3,011,341

3.12 Provision for Staff Bonus (279,052) (278,246) (198,901) (198,901) (273,903) (273,758)

3.13 Provision for Tax (833,516) (831,662) (596,998) (596,998) (823,159) (822,555)

G. Net Profit/(Loss) (F-3.12-3.13) 1,957,008 1,950,800 1,391,623 1,392,011 1,915,868 1,915,028

3.14 Share of non-controlling interest in Profit of Subsidiary - - - - - -

H. Net Profit/Loss (G-3.14) 1,957,008 1,950,800 1,391,623 1,392,011 1,915,868 1,915,028

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 12.71% 12.71% 11.87% 11.87% 11.49% 11.49%

4.2 Non Performing Loan (NPL) to Total Loan 1.68% 1.68% 1.63% 1.63% 1.91% 1.91%

4.3 Total Loan Loss Provision to Total NPL 158.41% 158.41% 161.98% 161.98% 142.44% 142.44%

4.4 CD Ratio (As per NRB Directives) 70.85% 70.85% 74.62% 74.62% 78.40% 78.40%

4.5 Net Liquid Assets/Total Deposit 41.41% 41.41% 36.79% 36.79% 31.11% 31.11%

4.6 Base Rate 6.94% 6.94% 6.89% 6.89% 7.80% 7.80%

4.7 Average Yield LCY Lending (As per NRB Directives) 9.32% 9.32% 10.46% 10.46% 11.17% 11.17%

4.8 Cost of Funds LCY Deposits (As per NRB Directives) 3.91% 3.91% 4.41% 4.41% 5.07% 5.07%

4.9 Interest Spread LCY (As per NRB Directives) 5.41% 5.41% 6.05% 6.05% 6.11% 6.11%

4.10 Return on Equity (Annualized) 21.79% 21.74% 22.05% 22.06% 27.29% 27.28%

4.11 Return on Assets (Annualized) 2.23% 2.23% 2.21% 2.21% 2.57% 2.57%

4.12 Earning Per share (EPS Annualized) 47.19 47.04 44.75 44.76 46.22 46.20

4.13 PE Ratio 20.34 20.41 19.24 19.24 16.96 16.97

4.14 Networth Per Share 216.57 216.40 202.93 202.92 169.40 169.38

4.15 Total Assets Per Share 2,112.86 2,112.71 2,026.25 2,026.30 1,796.31 1,796.29

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.

Unaudited Financial Results (Quarterly)

As at Third Quarter (13/04/2014) of the FY 2013-2014 (FY 2070-71) [PDF Format]

Figures in NPR('000)

S/N Particulars This Quarter Ending Chaitra end 2070 Previous Quarter Ending Poush end 2070 (Audited) Corresponding Quarter Previous Year ending Chaitra end 2069

Group NIBL Group NIBL Group NIBL

1 Total Capital and Liabilities (1.1 to 1.8) 84,022,565 84,024,714 84,510,798 84,514,465 69,595,308 69,598,152

1.1 Paid Up Capital 4,146,708 4,146,708 4,146,708 4,146,708 3,768,008 3,768,008

1.2 Reserve and Surplus 4,268,298 4,267,847 3,817,069 3,814,644 3,627,451 3,630,293

1.3 Debenture and Bond 1,300,000 1,300,000 1,300,000 1,300,000 1,050,000 1,050,000

1.4 Borrowings 331,795 331,795 436,057 436,057 256,234 256,234

1.5 Deposit (a+b) 71,321,546 71,324,146 71,990,337 71,996,429 58,525,311 58,525,382

a. Domestic Currency 61,794,952 61,797,552 60,910,293 60,916,385 52,959,899 52,959,969

b. Foreign Currency 9,526,594 9,526,594 11,080,044 11,080,044 5,565,413 5,565,413

1.6 Income Tax Liability - - - - - -

1.7 Other Liabilities 2,654,218 2,654,218 2,820,627 2,820,627 2,368,304 2,368,236

1.8 Non-Controlling Interest - - - - - -

2 Total Assets (2.1 to 2.7) 84,022,565 84,024,714 84,510,798 84,514,465 69,595,308 69,598,152

2.1 Cash and Bank Balance 15,821,169 15,733,016 17,246,895 17,154,428 10,336,778 10,336,416

2.2 Money at Call and Short Notice 219,190 219,190 1,239,220 1,239,220 130,223 130,223

2.3 Investments 12,435,924 12,533,724 11,718,357 11,818,628 10,434,397 10,443,747

2.4 Loans and Advances (Gross) 53,567,231 53,567,231 52,250,960 52,250,960 46,929,742 46,929,742

a. Real Estate Loan 5,562,366 5,562,366 5,695,086 5,695,086 6,929,557 6,929,557

1. Residential Real Estate Loan (Except Personal Home Loan upto Rs. 1 Crore) 536,861 536,861 576,227 576,227 469,188 469,188

2. Business Compex & Residential Apartment Construction Loan 1,896,227 1,896,227 1,893,787 1,893,787 2,477,248 2,477,248

3. Income Generating Commercial Complex Loan 38,645 38,645 40,063 40,063 50,152 50,152

4. Other Real Estate Loan (Including Land Purchase and Plotting) 3,090,633 3,090,633 3,185,008 3,185,008 3,932,968 3,932,968

b. Personal Home Loan of Rs. 1 Crore or Less 1,480,882 1,480,882 1,478,838 1,478,838 1,301,475 1,301,475

c. Margin Type Loan 56,375 56,375 53,647 53,647 49,103 49,103

d. Term Loan 8,403,128 8,403,128 8,051,442 8,051,442 6,446,968 6,446,968

e. Overdraft/TR Loan/WC Loan 32,800,708 32,800,708 31,573,558 31,573,558 27,691,824 27,691,824

f. Others 5,263,771 5,263,771 5,398,389 5,398,389 4,510,815 4,510,815

2.5 Fixed Assets (Net) 1,048,887 1,042,514 1,065,430 1,061,708 1,042,745 1,039,079

2.6 Non Banking Assets (Net) 35,573 35,573 - - - -

2.7 Other Assets 894,592 893,467 989,936 989,522 721,423 718,945

3 Profit & Loss Account Up to This Quarter Up to Previous Quarter Up to Corresponding Quarter Previous Year

3.1 Interest Income 4,310,312 4,306,943 2,901,521 2,898,573 4,313,168 4,310,704

3.2 Interest Expense (2,142,580) (2,143,420) (1,482,048) (1,482,888) (2,044,003) (2,044,003)

A. Net Interest Income (3.1-3.2) 2,167,731 2,163,523 1,419,474 1,415,686 2,269,165 2,266,701

3.3 Fees, Commission and Discount 315,155 315,155 209,984 209,984 244,400 244,400

3.4 Other Operating Income 176,712 172,639 127,248 123,221 130,381 130,381

3.5 Foreign Exchange Gain/Loss (Net) 336,551 336,551 244,889 244,889 260,028 260,028

B. Total Operating Income (A.+3.3+3.4+3.5) 2,996,148 2,987,867 2,001,595 1,993,779 2,903,975 2,901,510

3.6 Staff Expenses (294,922) (289,084) (196,716) (193,133) (254,166) (250,717)

3.7 Other Operating Expenses (388,601) (385,769) (252,796) (250,678) (373,640) (371,783)

C. Operating Profit Before Provision (B.-3.6-3.7) 2,312,626 2,313,014 1,552,083 1,549,968 2,276,168 2,279,011

3.8 Provision for Possible Losses (393,243) (393,243) (287,548) (287,548) (538,550) (538,550)

D. Operating Profit (C.-3.8) 1,919,382 1,919,771 1,264,535 1,262,421 1,737,618 1,740,460

3.9 Non Operating Income/Expenses (Net) 8,345 8,345 556 556 (4,176) (4,176)

3.10 Write Back of Provision for Possible Loss 259,267 259,267 212,757 212,757 379,655 379,655

E. Profit from Regular Activities (D+3.9+3.10) 2,186,995 2,187,383 1,477,848 1,475,734 2,113,098 2,115,940

3.11 Extra-ordinary Income/Expenses (Net) 527 527 - - - -

F. Profit before Bonus and Taxes (E+3.11) 2,187,522 2,187,911 1,477,848 1,475,734 2,113,098 2,115,940

3.12 Provision for Staff Bonus (198,901) (198,901) (134,158) (134,158) (192,358) (192,358)

3.13 Provision for Tax (596,998) (596,998) (403,297) (402,768) (577,075) (577,075)

G. Net Profit/(Loss) (F-3.12-3.13) 1,391,623 1,392,011 940,394 938,808 1,343,665 1,346,507

3.14 Share of non-controlling interest in Profit of Subsidiary - - - - - -

H. Net Profit/Loss (G-3.14) 1,391,623 1,392,011 940,394 938,808 1,343,665 1,346,507

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 11.87% 11.87% 11.52% 11.52% 11.81% 11.81%

4.2 Non Performing Loan (NPL) to Total Loan 1.63% 1.63% 1.76% 1.76% 2.53% 2.53%

4.3 Total Loan Loss Provision to Total NPL 161.98% 161.98% 149.23% 149.23% 120.40% 120.40%

4.4 CD Ratio (As per NRB Directives) 74.62% 74.62% 73.78% 73.78% 77.13% 77.13%

4.5 Net Liquid Assets/Total Deposit 36.79% 36.79% 38.93% 38.93% 31.11% 31.11%

4.6 Base Rate 6.89% 6.89% 7.07% 7.07% 7.80% 7.80%

4.7 Average Yield LCY Lending (As per NRB Directives) 10.29% 10.29% 11.04% 11.04% 12.41% 12.41%

4.8 Cost of Funds LCY Deposits (As per NRB Directives) 4.19% 4.19% 4.41% 4.41% 4.84% 4.84%

4.9 Interest Spread LCY (As per NRB Directives) 6.10% 6.10% 6.63% 6.63% 7.57% 7.57%

4.10 Return on Equity (Annualized) 22.23% 22.23% 22.38% 22.38% 26.03% 26.03%

4.11 Return on Assets (Annualized) 2.21% 2.21% 2.52% 2.52% 2.58% 2.58%

4.12 Earning Per share (EPS Annualized) 44.75 44.76 45.36 45.28 47.55 47.65

4.13 PE Ratio 19.24 19.24 22.27 22.31 16.51 16.48

4.14 Networth Per Share 202.93 202.92 192.05 191.99 196.27 196.35

4.15 Total Assets Per Share 2,026.25 2,026.30 2,038.02 2,038.11 1,847.01 1,847.08

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.

Reports

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