Investor Relations
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)

Fourth Quarterly Report

As at 16/07/2018 of the FY 2017-2018 (FY 2074-75) [PDF Format]

Figures in NPR ('000')

S/N Particulars This Quarter Ending Ashad end 2075 Previous Quarter Ending
Chaitra end 2074		 Corresponding Quarter Previous Year ending Ashad end 2074
Group NIBL Group NIBL Group NIBL
1 Total Capital and Liabilities (1.1 to 1.8) 172,806,051 170,495,659 162,604,781 161,538,022 154,807,997 152,877,103
1.1 Paid Up Capital 10,744,099 10,645,599 10,744,099 10,645,599 10,626,436 10,626,436
1.2 Reserve and Surplus 11,733,474 11,660,306 10,978,222 10,919,897 8,268,760 8,081,448
1.3 Debenture and Bond 1,250,000 1,250,000 1,550,000 1,550,000 1,550,000 1,550,000
1.4 Borrowings 762,666 762,666 2,692,048 2,692,048 288,574 241,324
1.5 Deposit (a+b) 139,984,528 140,071,167 130,032,857 130,197,457 125,477,676 125,669,355
a. Domestic Currency 129,871,533 129,958,172 121,884,277 122,048,876 114,731,607 114,923,286
b. Foreign Currency 10,112,995 10,112,995 8,148,580 8,148,580 10,746,069 10,746,069
1.6 Income Tax Liability (268,726) (268,726) (42,034) (42,034) - -
1.7 Other Liabilities 8,600,009 6,374,646 6,649,588 5,575,056 8,596,551 6,708,540
1.8 Non-Controlling Interest - - - - - -
2 Total Assets (2.1 to 2.7) 172,806,051 170,495,659 162,604,781 161,538,022 154,807,997 152,877,103
2.1 Cash and Bank Balance 19,921,207 17,865,491 11,936,367 11,052,160 19,735,974 17,897,590
2.2 Money at Call and Short Notice - - - - 40,000 40,000
2.3 Investments 27,013,100 26,859,457 28,905,893 28,815,520 25,596,053 25,615,645
2.4 Loans and Advances (Gross) 122,388,438 122,388,438 118,860,752 118,860,752 106,683,877 106,683,877
a. Real Estate Loan 5,435,356 5,435,356 5,609,020 5,609,020 5,756,185 5,756,185
1. Residential Real Estate Loan (Except Personal Home Loan upto Rs. 1.5 Crore) 352,486 352,486 358,450 358,450 448,059 448,059
2. Business Compex & Residential Apartment Construction Loan 1,269,565 1,269,565 1,418,183 1,418,183 1,656,801 1,656,801
3. Income Generating Commercial Complex Loan 651,760 651,760 663,378 663,378 802,460 802,460
4. Other Real Estate Loan (Including Land Purchase and Plotting) 3,161,546 3,161,546 3,169,010 3,169,010 2,848,865 2,848,865
b. Personal Home Loan of Rs. 1.5 Crore or Less 2,088,483 2,088,483 2,084,626 2,084,626 2,118,552 2,118,552
c. Margin Type Loan 1,222,742 1,222,742 1,292,068 1,292,068 1,682,906 1,682,906
d. Term Loan 33,403,492 33,403,492 30,140,442 30,140,442 28,855,445 28,855,445
e. Overdraft/TR Loan/WC Loan 68,242,854 68,242,854 68,523,449 68,523,449 55,933,412 55,933,412
f. Others 11,995,511 11,995,511 11,211,148 11,211,148 12,337,377 12,337,377
2.5 Fixed Assets (Net) 1,468,637 1,437,374 1,379,467 1,347,211 1,336,672 1,304,305
2.6 Non Banking Assets (Net) - - - - - -
2.7 Other Assets 2,014,668 1,944,899 1,522,301 1,462,379 1,415,420 1,335,685
3 Profit & Loss Account Up to This Quarter Up to Previous Quarter Up to Corresponding Quarter Previous Year
3.1 Interest Income 13,487,573 13,428,409 9,757,988 9,724,452 9,394,849 9,248,699
3.2 Interest Expense (7,719,205) (7,723,924) (5,602,743) (5,605,884) (4,441,056) (4,464,552)
A. Net Interest Income (3.1-3.2) 5,768,369 5,704,485 4,155,245 4,118,567 4,953,793 4,784,147
3.3 Fees, Commission and Discount 983,918 893,195 765,496 710,520 843,929 814,827
3.4 Other Operating Income 429,870 422,083 289,825 282,923 491,363 385,187
3.5 Foreign Exchange Gain/Loss (Net) 682,486 682,486 488,923 488,923 621,432 621,432
B. Total Operating Income (A.+3.3+3.4+3.5) 7,864,642 7,702,249 5,699,489 5,600,934 6,910,516 6,605,593
3.6 Staff Expenses (937,625) (897,505) (611,716) (583,538) (703,157) (665,839)
3.7 Other Operating Expenses (917,199) (871,984) (618,210) (593,861) (777,000) (699,685)
C. Operating Profit Before Provision (B.-3.6-3.7) 6,009,819 5,932,760 4,469,563 4,423,535 5,430,359 5,240,068
3.8 Provision for Possible Losses (1,252,803) (1,242,532) (669,444) (667,060) (511,040) (510,285)
D. Operating Profit (C.-3.8) 4,757,016 4,690,228 3,800,119 3,756,475 4,919,320 4,729,783
3.9 Non Operating Income/Expenses (Net) 129,770 129,770 113,849 113,849 88,646 79,879
3.10 Write Back of Provision for Possible Loss 826,935 826,935 590,094 590,094 96,207 96,120
E. Profit from Regular Activities (D+3.9+3.10) 5,713,720 5,646,933 4,504,062 4,460,419 5,104,173 4,905,782
3.11 Extra-ordinary Income/Expenses (Net) (18,695) (18,695) - - 20,156 20,273
F. Profit before Bonus and Taxes (E+3.11) 5,695,026 5,628,238 4,504,062 4,460,419 5,124,329 4,926,055
3.12 Provision for Staff Bonus (517,730) (511,658) (409,460) (405,493) (461,327) (447,823)
3.13 Provision for Tax (1,552,458) (1,537,722) (1,225,953) (1,216,478) (1,410,720) (1,364,101)
G. Net Profit/(Loss) (F-3.12-3.13) 3,624,838 3,578,858 2,868,649 2,838,448 3,252,282 3,114,131
3.14 Share of non-controlling interest in Profit of Subsidiary - - - - - -
H. Net Profit/Loss (G-3.14) 3,624,838 3,578,858 2,868,649 2,838,448 3,252,282 3,114,131
4 Ratios At the End of This Quarter At the End of Previous Quarter At the End of Corresponding Quarter Previous Year
4.1 Capital Fund to RWA 13.34% 13.34% 13.25% 13.25% 13.02% 13.02%
4.2 Non Performing Loan (NPL) to Total Loan 1.03% 1.03% 0.76% 0.76% 0.83% 0.83%
4.3 Total Loan Loss Provision to Total NPL 196.79% 196.79% 244.93% 244.93% 231.84% 231.84%
4.4 CD Ratio (As per NRB Directives) 75.01% 75.01% 78.03% 78.03% 77.63% 77.63%
4.5 Net Liquid Assets/Total Deposit 28.86% 28.86% 23.93% 23.93% 30.43% 30.43%
4.6 Base Rate 9.02% 9.02% 9.12% 9.12% 8.36% 8.36%
4.7 Average Yield LCY Lending & Investments (As per NRB Directives) 10.90% 10.90% 10.63% 10.63% 9.73% 9.73%
4.8 Cost of Funds LCY Deposits (As per NRB Directives) 6.31% 6.31% 6.35% 6.35% 5.84% 5.84%
4.9 Interest Spread LCY (As per NRB Directives) 4.59% 4.59% 4.28% 4.28% 3.90% 3.90%
4.10 Return on Equity (Closing Annualized) 16.13% 16.04% 17.61% 17.55% 17.21% 16.65%
4.11 Return on Assets (Closing Annualized) 2.10% 2.10% 2.35% 2.34% 2.10% 2.04%
4.12 Earning Per share (EPS Annualized) 33.74 33.62 35.60 35.55 30.61 29.31
4.13 PE Ratio 18.41 18.47 18.74 18.76 25.16 26.27
4.14 Networth Per Share 209.21 209.53 202.18 202.58 177.81 176.05
4.15 Total Assets Per Share 1,608.38 1,601.56 1,513.43 1,517.42 1,456.82 1,438.65

NOTES:

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

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

3) Group represents Nepal Investment Bank Ltd. and its 100% subsidiary NIBL Ace Capital Ltd.

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

5) The above results have been prepared as per NRB directives No 4.

 

Unaudited Financial Results (Quarterly)

Third Quarterly Report

As at 13/04/2018 of the FY 2017-2018 (FY 2074-75) [PDF Format]

Figures in NPR('000)

S/N Particulars This Quarter Ending end 2074 Previous Quarter Ending Poush end 2074 Corresponding Quarter Previous Year endingChaitra end 2073
Group NIBL Group NIBL Group NIBL
1 Total Capital and Liabilities (1.1 to 1.8) 162,604,781 161,538,022 158,956,970 158,282,501 148,045,341 143,878,982
1.1 Paid Up Capital 10,744,099 10,645,599 10,724,936 10,626,436 8,746,913 8,746,913
1.2 Reserve and Surplus 10,978,222 10,919,897 9,965,124 9,911,933 10,092,513 9,958,839
1.3 Debenture and Bond 1,550,000 1,550,000 1,550,000 1,550,000 1,550,000 1,550,000
1.4 Borrowings 2,692,048 2,692,048 1,438,272 1,438,272 241,089 241,089
1.5 Deposit (a+b) 130,032,857 130,197,457 129,695,747 129,845,324 119,796,795 119,811,451
a. Domestic Currency 121,884,277 122,048,876 118,555,575 118,705,152 108,135,221 108,149,877
b. Foreign Currency 8,148,580 8,148,580 11,140,172 11,140,172 11,661,574 11,661,574
1.6 Income Tax Liability -42,034 -42,034 27,476 27,476 -10,661 -10,661
1.7 Other Liabilities 6,649,588 5,575,056 5,555,415 4,883,060 7,628,691 3,581,351
1.8 Non-Controlling Interest - - - - - -
2 Total Assets (2.1 to 2.7) 162,604,781 161,538,022 158,956,970 158,282,501 148,045,341 143,878,982
2.1 Cash and Bank Balance 11,936,367 11,052,160 14,792,838 14,227,669 17,986,826 13,882,001
2.2 Money at Call and Short Notice - - 203,000 203,000 200,000 200,000
2.3 Investments 28,905,893 28,815,520 27,372,399 27,374,892 25,348,537 25,366,900
2.4 Loans and Advances (Gross) 118,860,752 118,860,752 113,671,155 113,671,155 101,946,234 101,946,234
a. Real Estate Loan 5,609,020 5,609,020 5,623,946 5,623,946 4,978,345 4,978,345
1. Residential Real Estate Loan (Except Personal Home Loan upto Rs. 1.5 Crore) 358,450 358,450 359,355 359,355 450,086 450,086
2. Business Compex Residential Apartment Construction Loan 1,418,183 1,418,183 1,516,709 1,516,709 1,538,779 1,538,779
3. Income Generating Commercial Complex Loan 663,378 663,378 671,302 671,302 779,941 779,941
4. Other Real Estate Loan (Including Land Purchase and Plotting) 3,169,010 3,169,010 3,076,581 3,076,581 2,209,540 2,209,540
b. Personal Home Loan of Rs. 1.5 Crore or Less 2,084,626 2,084,626 2,082,243 2,082,243 1,204,015 1,204,015
c. Margin Type Loan 1,292,068 1,292,068 1,710,881 1,710,881 849,219 849,219
d. Term Loan 30,140,442 30,140,442 29,837,681 29,837,681 24,748,521 24,748,521
e. Overdraft/TR Loan/WC Loan 68,523,449 68,523,449 63,526,642 63,526,642 58,572,648 58,572,648
f.Others 11,211,148 11,211,148 10,889,761 10,889,761 11,593,486 11,593,486
2.5 Fixed Assets (Net) 1,379,467 1,347,211 1,326,810 1,295,011 1,109,825 1,081,114
2.6 Non Banking Assets (Net) - - - - - -
2.7 Other Assets 1,522,301 1,462,379 1,590,767 1,510,774 1,453,918 1,402,733
3 Profit LossAccount Up to This Quarter Up to Previous Quarter Up to Corresponding Quarter Previous Year
3.1 Interest Income 9,757,988 9,724,452 6,420,115 6,394,564 6,424,193 6,354,773
3.2 Interest Expense (5,602,743) (5,605,884) (3,704,187) (3,708,937) (2,857,502) (2,876,592)
A. Net Interest Income (3.1-3.2) 4,155,245 4,118,567 2,715,929 2,685,628 3,566,691 3,478,181
3.3 Fees, Commission and Discount 765,496 710,520 537,699 498,001 695,769 623,028
3.4 Other Operating Income 289,825 282,923 186,070 179,086 280,449 267,196
3.5 Foreign Exchange Gain/Loss (Net) 488,923 488,923 306,089 306,089 464,216 464,216
B. Total Operating Income (A.+3.3+3.4+3.5) 5,699,489 5,600,934 3,745,786 3,668,803 5,007,125 4,832,620
3.6 Staff Expenses -611,716 -583,538 -403,389 -383,401 -457,330 -434,572
3.7 Other Operating Expenses -618,210 -593,861 -396,493 -377,843 -532,213 -504,982
C. Operating Profit Before Provision (B.-3.6-3.7) 4,469,563 4,423,535 2,945,903 2,907,559 4,017,583 3,893,066
3.8 Provision for Possible Losses -669,444 -667,060 -461,119 -461,119 -435,705 -435,705
D. Operating Profit (C.-3.8) 3,800,119 3,756,475 2,484,784 2,446,440 3,581,877 3,457,361
3.9 Non Operating Income/Expenses (Net) 113,849 113,849 101,400 101,471 73,605 73,605
3.1 Write Back of Provision for Possible Loss 590,094 590,094 328,565 328,565 205,418 205,418
E. Profit from Regular Activities (D+3.9+3.10) 4,504,062 4,460,419 2,914,749 2,876,476 3,860,901 3,736,384
3.11 Extra-ordinary Income/Expenses (Net) - - - - - -
F. Profit before Bonus and Taxes (E+3.11) 4,504,062 4,460,419 2,914,749 2,876,476 3,860,901 3,736,384
3.12 Provision for Staff Bonus -409,460 -405,493 -264,899 -261,498 -350,991 -339,671
3.13 Provision for Tax -793,211 -784,493
G. Net Profit/(Loss) (F-3.12-3.13) 2,868,649 2,838,448 1,856,639 1,830,485 2,462,597 2,377,699
3.14 Share of non-controlling interest in Profit of Subsidiary - - - - - -
H. Net Profit/Loss (G-3.14) 2,868,649 2,838,448 1,856,639 1,830,485 2,462,597 2,377,699
4 Ratios At the End of This Quarter At the End of Previous Quarter At the End of Corresponding Quarter Previous Year
4.1 Capital Fund to RWA 13.25% 13.25% 13.07% 13.07% 13.78% 13.78%
4.2 Non Performing Loan (NPL) to Total Loan 0.76% 0.76% 1.12% 1.12% 0.64% 0.64%
4.3 Total Loan Loss Provision to Total NPL 244.93% 244.93% 176.28% 176.28% 266.86% 266.86%
4.4 CD Ratio (As per NRB Directives) 78.03% 78.03% 78.47% 78.47% 69.17% 69.17%
4.5 Net Liquid Assets/Total Deposit 23.93% 23.93% 27.46% 27.46% 27.97% 27.97%
4.6 Base Rate 9.12% 9.12% 9.00% 9.00% 6.89% 6.89%
4.7 Average Yield LCY Lending Investments (As per NRB Directives) 10.63% 10.63% 10.26% 10.26% 9.42% 9.42%
4.8 Cost of Funds LCY Deposits (As per NRB Directives) 6.35% 6.35% 6.21% 6.21% 4.55% 4.55%
4.9 Interest Spread LCY (As per NRB Directives) 4.28% 4.28% 4.05% 4.05% 4.88% 4.88%
4.1 Return on Equity (Closing Annualized) 17.61% 17.55% 17.95% 17.83% 17.43% 16.95%
4.11 Return on Assets (Closing Annualized) 2.35% 2.34% 2.34% 2.31% 2.22% 2.20%
4.12 Earning Per share (EPS Annualized) 35.6 35.55 34.62 34.45 37.54 36.24
4.13 PE Ratio 18.74 18.76 18.98 19.07 21.34 22.1
4.14 Networth Per Share 202.18 202.58 192.92 193.28 215.38 213.86
4.15 Total Assets Per Share 1,513.43 1,517.42 1,482.13 1,489.52 1,692.54 1,644.91

NOTE
1) Previous quarters figures have been regrouped and rearranged whereever necessary.
2) The above figures are subject to change as per the directions, if any, of Nepal Rastra Bank and/or Statutory Auditor.
3) Group represents Nepal Investment Bank Ltd. and its 100% subsidiary NIBL Ace Capital Ltd.
4) Intercompany transactions among the Group have been eliminated in the above statement related to the Group.
5) The above results have been prepared as per NRB directives and may differ on measurement under NFRS.

 

Unaudited Financial Results (Quarterly)

Second Quarterly Report

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

Figures in NPR('000)

S/N Particulars This Quarter Ending Poush end 2074 Previous Quarter Ending Ashwin end 2074 Corresponding Quarter Previous Year ending Poush end 2073
Group NIBL Group NIBL Group NIBL
1 Total Capital and Liabilities (1.1 to 1.8) 158,956,970 158,282,501 161,782,594 159,765,496 143,460,113 139,831,921
1.1 Paid Up Capital 10,724,936 10,626,436 10,626,436 10,626,436 8,706,612 8,706,612
1.2 Reserve and Surplus 9,965,124 9,911,933 9,118,381 8,976,442 9,299,557 9,166,107
1.3 Debenture and Bond 1,550,000 1,550,000 1,550,000 1,550,000 1,550,000 1,550,000
1.4 Borrowings 1,438,272 1,438,272 242,967 242,967 255,409 255,409
1.5 Deposit (a+b) 129,695,747 129,845,324 131,052,822 131,293,472 116,603,841 116,607,705
a. Domestic Currency 118,555,575 118,705,152 118,367,822 118,608,472 104,097,406 104,101,269
b. Foreign Currency 11,140,172 11,140,172 12,685,000 12,685,000 12,506,436 12,506,436
1.6 Income Tax Liability 27,476 27,476 228,033 228,033 60,599 60,599
1.7 Other Liabilities 5,555,415 4,883,060 8,963,955 6,848,146 6,984,095 3,485,489
1.8 Non-Controlling Interest - - - - - -
2 Total Assets (2.1 to 2.7) 158,956,970 158,282,501 161,782,594 159,765,496 143,460,113 139,831,921
2.1 Cash and Bank Balance 14,792,838 14,227,669 19,801,410 17,832,554 14,418,696 10,875,856
2.2 Money at Call and Short Notice 203,000 203,000 465,755 465,755 1,508,800 1,508,800
2.3 Investments 27,372,399 27,374,892 30,660,663 30,721,159 28,617,480 28,650,919
2.4 Loans and Advances (Gross) 113,671,155 113,671,155 107,968,136 107,968,136 96,709,906 96,709,906
a. Real Estate Loan 5,623,946 5,623,946 5,773,481 5,773,481 5,026,088 5,026,088
1. Residential Real Estate Loan (Except Personal Home Loan upto Rs. 1.5 Crore) 359,355 359,355 466,393 466,393 466,655 466,655
2. Business Compex Residential Apartment Construction Loan 1,516,709 1,516,709 1,619,387 1,619,387 1,552,717 1,552,717
3. Income Generating Commercial Complex Loan 671,302 671,302 686,760 686,760 785,492 785,492
4. Other Real Estate Loan (Including Land Purchase and Plotting) 3,076,581 3,076,581 3,000,942 3,000,942 2,221,224 2,221,224
b. Personal Home Loan of Rs. 1 Crore or Less 2,082,243 2,082,243 1,987,317 1,987,317 1,224,486 1,224,486
c. Margin Type Loan 1,710,881 1,710,881 1,701,027 1,701,027 728,730 728,730
d. Term Loan 29,837,681 29,837,681 29,102,646 29,102,646 23,653,972 23,653,972
e. Overdraft/TR Loan/WC Loan 63,526,642 63,526,642 58,282,393 58,282,393 57,350,217 57,350,217
f.Others 10,889,761 10,889,761 11,121,271 11,121,271 8,726,413 8,726,413
2.5 Fixed Assets (Net) 1,326,810 1,295,011 1,334,514 1,302,703 1,108,606 1,080,107
2.6 Non Banking Assets (Net) - - - - - -
2.7 Other Assets 1,590,767 1,510,774 1,552,116 1,475,190 1,096,626 1,006,334
3 Profit LossAccount Up to This Quarter Up to Previous Quarter Up to Corresponding Quarter Previous Year
3.1 Interest Income 6,420,115 6,394,564 3,223,171 3,209,370 4,043,556 4,001,263
3.2 Interest Expense (3,704,187) (3,708,937) (1,881,278) (1,883,524) (1,665,341) (1,678,823)
A. Net Interest Income (3.1-3.2) 2,715,929 2,685,628 1,341,894 1,325,846 2,378,215 2,322,441
3.3 Fees, Commission and Discount 537,699 498,001 236,428 213,073 439,982 390,860
3.4 Other Operating Income 186,070 179,086 83,843 82,154 198,323 190,978
3.5 Foreign Exchange Gain/Loss (Net) 306,089 306,089 156,214 156,214 318,988 318,988
B. Total Operating Income (A.+3.3+3.4+3.5) 3,745,786 3,668,803 1,818,380 1,777,287 3,335,508 3,223,267
3.6 Staff Expenses (403,389) (383,401) (201,090) (190,679) (305,239) (290,186)
3.7 Other Operating Expenses (396,493) (377,843) (190,719) (181,123) (344,421) (328,377)
C. Operating Profit Before Provision (B.-3.6-3.7) 2,945,903 2,907,559 1,426,571 1,405,485 2,685,848 2,604,703
3.8 Provision for Possible Losses (461,119) (461,119) (185,534) (185,534) (280,214) (280,214)
D. Operating Profit (C.-3.8) 2,484,784 2,446,440 1,241,036 1,219,951 2,405,634 2,324,489
3.9 Non Operating Income/Expenses (Net) 101,400 101,471 91,140 88,536 53,635 53,635
3.10 Write Back of Provision for Possible Loss 328,565 328,565 97,933 97,933 112,539 112,539
E. Profit from Regular Activities (D+3.9+3.10) 2,914,749 2,876,476 1,430,109 1,406,419 2,571,808 2,490,663
3.11 Extra-ordinary Income/Expenses (Net) - - - - - -
F. Profit before Bonus and Taxes (E+3.11) 2,914,749 2,876,476 1,430,109 1,406,419 2,571,808 2,490,663
3.12 Provision for Staff Bonus (264,899) (261,498) (129,676) (127,856) (233,801) (226,424)
3.13 Provision for Tax (793,211) (784,493) (389,036) (383,569) (697,714) (679,272)
G. Net Profit/(Loss) (F-3.12-3.13) 1,856,639 1,830,485 911,396 894,994 1,640,294 1,584,968
3.14 Share of non-controlling interest in Profit of Subsidiary - - - - - -
H. Net Profit/Loss (G-3.14) 1,856,639 1,830,485 911,396 894,994 1,640,294 1,584,968
4 Ratios At the End of This Quarter At the End of Previous Quarter At the End of Corresponding Quarter Previous Year
4.1 Capital Fund to RWA 13.07% 13.07% 12.78% 12.78% 14.28% 14.28%
4.2 Non Performing Loan (NPL) to Total Loan 1.12% 1.12% 1.04% 1.04% 0.70% 0.70%
4.3 Total Loan Loss Provision to Total NPL 176.28% 176.28% 191.98% 191.98% 252.56% 252.56%
4.4 CD Ratio (As per NRB Directives) 78.47% 78.47% 75.92% 75.92% 78.03% 78.03%
4.5 Net Liquid Assets/Total Deposit 27.46% 27.46% 35.13% 35.13% 30.75% 30.75%
4.6 Base Rate 9.00% 9.00% 8.91% 8.91% 5.69% 5.69%
4.7 Average Yield LCY Lending Investments (As per NRB Directives) 10.26% 10.26% 10.40% 10.40% 7.99% 7.99%
4.8 Cost of Funds LCY Deposits (As per NRB Directives) 6.21% 6.21% 6.08% 6.08% 3.53% 3.53%
4.9 Interest Spread LCY (As per NRB Directives) 4.05% 4.05% 4.32% 4.32% 4.46% 4.46%
4.10 Return on Equity (Closing Annualized) 17.95% 17.83% 18.46% 18.26% 18.22% 17.74%
4.11 Return on Assets (Closing Annualized) 2.34% 2.31% 2.25% 2.24% 2.29% 2.27%
4.12 Earning Per share (EPS Annualized) 34.62 34.45 34.31 33.69 37.68 36.41
4.13 PE Ratio 18.98 19.07 18.95 19.29 18.98 19.64
4.14 Networth Per Share 192.92 193.28 185.81 184.47 206.81 205.28
4.15 Total Assets Per Share 1,482.13 1,489.52 1,522.45 1,503.47 1,647.71 1,606.04

NOTE:

1) Previous quarters' figures have been regrouped and rearranged whereever necessary.
2) The above figures are subject to change as per the directions, if any, of Nepal Rastra Bank and/or Statutory Auditor.
3) Group represents Nepal Investment Bank Ltd. and its 100% subsidiaries NIBL Capital Markets Ltd. & Ace Capital Ltd.
4) Intercompany transactions among the Group have been eliminated in the above statement related to the Group.
5) The above results have been prepared as per NRB directives and may differ on measurement under NFRS.

Unaudited Financial Results (Quarterly)

First Quarterly Report

As at 17/10/2017 of the FY 2017-2018 (FY 2074-75) [PDF Format]

Figures in NPR('000)

S/N Particulars This QuarterEndingAshwinend 2074 Previous Quarter EndingAshad end 2074Audited Corresponding Quarter Previous Year endingAshwin end 2073
Group NIBL Group NIBL Group NIBL
1 Total Capital and Liabilities (1.1 to 1.8) 161,782,594 159,765,496 154,807,997 152,877,103 145,419,887 138,670,976
1.1 Paid Up Capital 10,626,436 10,626,436 10,626,436 10,626,436 8,706,612 8,706,612
1.2 Reserve and Surplus 9,118,381 8,976,442 8,268,760 8,081,448 8,400,063 8,321,939
1.3 Debenture and Bond 1,550,000 1,550,000 1,550,000 1,550,000 1,550,000 1,550,000
1.4 Borrowings 242,967 242,967 288,574 241,324 1,049,775 1,049,775
1.5 Deposit (a+b) 131,052,822 131,293,472 125,477,676 125,669,355 112,746,030 114,869,884
a. Domestic Currency 118,367,822 118,608,472 114,731,607 114,923,286 98,944,414 101,068,269
b. Foreign Currency 12,685,000 12,685,000 10,746,069 10,746,069 13,801,616 13,801,616
1.6 Income Tax Liability 228,033 228,033 - - 240,237 240,237
1.7 Other Liabilities 8,963,955 6,848,146 8,596,551 6,708,540 12,727,171 3,932,529
1.8 Non-Controlling Interest - - - - - -
2 Total Assets (2.1 to 2.7) 161,782,594 159,765,496 154,807,997 152,877,103 145,419,887 138,670,976
2.1 Cash and Bank Balance 19,801,410 17,832,554 19,735,974 17,897,590 20,437,573 13,731,739
2.2 Money at Call and Short Notice 465,755 465,755 40,000 40,000 127,680 127,680
2.3 Investments 30,660,663 30,721,159 25,596,053 25,615,645 27,770,077 27,809,647
2.4 Loans and Advances (Gross) 107,968,136 107,968,136 106,683,877 106,683,877 94,445,281 94,445,281
a. Real Estate Loan 5,773,481 5,773,481 5,756,185 5,756,185 5,408,857 5,408,857
1. Residential Real Estate Loan (Except Personal Home Loan upto Rs. 1 Crore) 466,393 466,393 448,059 448,059 494,886 494,886
2. Business Compex Residential Apartment Construction Loan 1,619,387 1,619,387 1,656,801 1,656,801 2,414,756 2,414,756
3. Income Generating Commercial Complex Loan 686,760 686,760 802,460 802,460 175,320 175,320
4. Other Real Estate Loan (Including Land Purchase and Plotting) 3,000,942 3,000,942 2,848,865 2,848,865 2,323,893 2,323,893
b. Personal Home Loan of Rs. 1 Crore or Less 1,987,317 1,987,317 2,118,552 2,118,552 1,268,376 1,268,376
c. Margin Type Loan 1,701,027 1,701,027 1,682,906 1,682,906 477,020 477,020
d. Term Loan 29,102,646 29,102,646 28,855,445 28,855,445 22,620,558 22,620,558
e. Overdraft/TR Loan/WC Loan 58,282,393 58,282,393 55,933,412 55,933,412 56,480,322 56,480,322
f.Others 11,121,271 11,121,271 12,337,377 12,337,377 8,190,149 8,190,149
2.5 Fixed Assets (Net) 1,334,514 1,302,703 1,336,672 1,304,305 1,084,517 1,057,463
2.6 Non Banking Assets (Net) - - - - - -
2.7 Other Assets 1,552,116 1,475,190 1,415,420 1,335,685 1,554,760 1,499,166
3 Profit LossAccount Up to This Quarter Up to Previous Quarter Up to Corresponding Quarter Previous Year
3.1 Interest Income 3,223,171 3,209,370 9,394,849 9,248,699 1,899,862 1,888,689
3.2 Interest Expense (1,881,278) (1,883,524) (4,441,056) (4,464,552) (767,713) (779,007)
A. Net Interest Income (3.1-3.2) 1,341,894 1,325,846 4,953,793 4,784,147 1,132,149 1,109,682
3.3 Fees, Commission and Discount 236,428 213,073 843,929 814,827 199,524 169,632
3.4 Other Operating Income 83,843 82,154 491,363 385,187 116,359 112,437
3.5 Foreign Exchange Gain/Loss (Net) 156,214 156,214 621,432 621,432 156,986 156,986
B. Total Operating Income (A.+3.3+3.4+3.5) 1,818,380 1,777,287 6,910,516 6,605,593 1,605,019 1,548,737
3.6 Staff Expenses (201,090) (190,679) (703,157) (665,839) (151,293) (142,903)
3.7 Other Operating Expenses (190,719) (181,123) (777,000) (699,685) (155,607) (150,757)
C. Operating Profit Before Provision (B.-3.6-3.7) 1,426,571 1,405,485 5,430,359 5,240,068 1,298,118 1,255,077
3.8 Provision for Possible Losses (185,534) (185,534) (511,040) (510,285) (166,356) (166,356)
D. Operating Profit (C.-3.8) 1,241,036 1,219,951 4,919,320 4,729,783 1,131,762 1,088,721
3.9 Non Operating Income/Expenses (Net) 91,140 88,536 88,646 79,879 41,886 41,886
3.10 Write Back of Provision for Possible Loss 97,933 97,933 96,207 96,120 33,507 33,507
E. Profit from Regular Activities (D+3.9+3.10) 1,430,109 1,406,419 5,104,173 4,905,782 1,207,155 1,164,114
3.11 Extra-ordinary Income/Expenses (Net) - - 20,156 20,273 - -
F. Profit before Bonus and Taxes (E+3.11) 1,430,109 1,406,419 5,124,329 4,926,055 1,207,155 1,164,114
3.12 Provision for Staff Bonus (129,676) (127,856) (461,327) (447,823) (109,741) (105,829)
3.13 Provision for Tax (389,036) (383,569) (1,410,720) (1,364,101) (327,268) (317,486)
G. Net Profit/(Loss) (F-3.12-3.13) 911,396 894,994 3,252,282 3,114,131 770,146 740,800
3.14 Share of non-controlling interest in Profit of Subsidiary - - - - - -
H. Net Profit/Loss (G-3.14) 911,396 894,994 3,252,282 3,114,131 770,146 740,800
4 Ratios At the End of This Quarter At the End of Previous Quarter At the End of Corresponding Quarter Previous Year
4.1 Capital Fund to RWA 12.78% 12.78% 13.02% 13.02% 13.93% 13.93%
4.2 Non Performing Loan (NPL) to Total Loan 1.04% 1.04% 0.83% 0.83% 0.71% 0.71%
4.3 Total Loan Loss Provision to Total NPL 191.98% 191.98% 231.84% 231.84% 250.21% 250.21%
4.4 CD Ratio (As per NRB Directives) 75.92% 75.92% 77.63% 77.63% 78.69% 78.69%
4.5 Net Liquid Assets/Total Deposit 35.13% 35.13% 30.43% 30.43% 32.76% 32.76%
4.6 Base Rate 8.91% 8.91% 8.36% 8.36% 5.22% 5.22%
4.7 Average Yield LCY Lending Investments (As per NRB Directives) 10.40% 10.40% 9.73% 9.73% 7.26% 7.26%
4.8 Cost of Funds LCY Deposits (As per NRB Directives) 6.08% 6.08% 5.84% 5.84% 2.89% 2.89%
4.9 Interest Spread LCY (As per NRB Directives) 4.32% 4.32% 3.90% 3.90% 4.37% 4.37%
4.10 Return on Equity (Closing Annualized) 18.46% 18.26% 17.21% 16.65% 18.01% 17.40%
4.11 Return on Assets (Closing Annualized) 2.25% 2.24% 2.10% 2.04% 2.12% 2.14%
4.12 Earning Per share (EPS Annualized) 34.31 33.69 30.61 29.31 35.38 34.03
4.13 PE Ratio 18.95 19.29 25.16 26.27 22.81 23.71
4.14 Networth Per Share 185.81 184.47 177.81 176.05 196.48 195.58
4.15 Total Assets Per Share 1,522.45 1,503.47 1,456.82 1,438.65 1,670.22 1,592.71

NOTE:

1) Previous quarters' figures have been regrouped and rearranged whereever necessary.
2) The above figures are subject to change as per the directions, if any, of Nepal Rastra Bank and/or Statutory Auditor.
3) Group represents Nepal Investment Bank Ltd. and its 100% subsidiaries NIBL Capital Markets Ltd. & Ace Capital Ltd.
4) Intercompany transactions among the Group have been eliminated in the above statement related to the Group.
5) The above results have been prepared as per NRB directives and may differ on measurement under NFRS.

Unaudited Financial Results (Quarterly)


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

 

Figures in NPR('000)

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

Notes:

  • 1) Previous quarters' figures have been regrouped and rearranged whereever necessary.
  • 2) The above figures are subject to change as per the directions, if any, of Nepal Rastra Bank and/or Statutory Auditor.
  • 3) Group represents Nepal Investment Bank Ltd. and its 100% subsidiaries NIBL Capital Markets Ltd. & Ace Capital Ltd.
  • 4) Intercompany transactions among the Group have been eliminated in the above statement related to the Group.
  • 5) The CD ratio mentioned in 4.4 above is calculated without considering the relaxation given by NRB vide its Circular No. 15/2073/74 dated 19/11/2074.
  • 6) The above results have been prepared as per NRB directives and may differ on measurement under NFRS.

 

Unaudited Financial Results (Quarterly)

As at Third Quarter (13/04/2017) of the FY 2016-2017 (FY 2073-74) [PDF Format]

Figures in NPR('000)

S/N Particulars This Quarter Ending Chaitra end 2073 Previous Quarter Ending Poush end 2073 Corresponding Quarter Previous Year ending Chaitra end 2072
Group NIBL Group NIBL Group NIBL
1 Total Capital and Liabilities (1.1 to 1.8) 148,045,341 143,878,982 143,460,113 139,831,921 153,458,044 135,045,954
1.1 Paid Up Capital 8,746,913 8,746,913 8,706,612 8,706,612 7,252,639 7,252,639
1.2 Reserve and Surplus 10,092,513 9,958,839 9,299,557 9,166,107 9,884,244 9,836,640
1.3 Debenture and Bond 1,550,000 1,550,000 1,550,000 1,550,000 1,550,000 1,550,000
1.4 Borrowings 241,089 241,089 255,409 255,409 280,636 280,636
1.5 Deposit (a+b) 119,796,795 119,811,451 116,603,841 116,607,705 112,632,377 112,636,602
a. Domestic Currency 108,135,221 108,149,877 104,097,406 104,101,269 101,411,209 101,415,433
b. Foreign Currency 11,661,574 11,661,574 12,506,436 12,506,436 11,221,169 11,221,169
1.6 Income Tax Liability (10,661) (10,661) 60,599 60,599 (5,084) (5,084)
1.7 Other Liabilities 7,628,691 3,581,351 6,984,095 3,485,489 21,863,231 3,494,521
1.8 Non-Controlling Interest - - - - - -
2 Total Assets (2.1 to 2.7) 148,045,341 143,878,982 143,460,113 139,831,921 153,458,044 135,045,954
2.1 Cash and Bank Balance 17,986,826 13,882,001 14,418,696 10,875,856 45,610,515 27,262,528
2.2 Money at Call and Short Notice 200,000 200,000 1,508,800 1,508,800 - -
2.3 Investments 25,348,537 25,366,900 28,617,480 28,650,919 21,489,770 21,528,480
2.4 Loans and Advances (Gross) 101,946,234 101,946,234 96,709,906 96,709,906 84,374,373 84,374,373
a. Real Estate Loan 4,978,345 4,978,345 5,026,088 5,026,088 4,636,577 4,636,577
1. Residential Real Estate Loan (Except Personal Home Loan upto Rs. 1 Crore) 450,086 450,086 466,655 466,655 520,188 520,188
2. Business Compex Residential Apartment Construction Loan 1,538,779 1,538,779 1,552,717 1,552,717 1,869,926 1,869,926
3. Income Generating Commercial Complex Loan 779,941 779,941 785,492 785,492 180,650 180,650
4. Other Real Estate Loan (Including Land Purchase and Plotting) 2,209,540 2,209,540 2,221,224 2,221,224 2,065,812 2,065,812
b. Personal Home Loan of Rs. 1 Crore or Less 1,204,015 1,204,015 1,224,486 1,224,486 1,346,631 1,346,631
c. Margin Type Loan 849,219 849,219 728,730 728,730 667,778 667,778
d. Term Loan 24,748,521 24,748,521 23,653,972 23,653,972 18,131,120 18,131,120
e. Overdraft/TR Loan/WC Loan 58,572,648 58,572,648 57,350,217 57,350,217 52,339,445 52,339,445
f. Others 11,593,486 11,593,486 8,726,413 8,726,413 7,252,822 7,252,822
2.5 Fixed Assets (Net) 1,109,825 1,081,114 1,108,606 1,080,107 1,052,474 1,028,095
2.6 Non Banking Assets (Net) - - - - - -
2.7 Other Assets 1,453,918 1,402,733 1,096,626 1,006,334 930,912 852,478
3 Profit Loss Account Up to This Quarter Up to Previous Quarter Up to Corresponding Quarter Previous Year
3.1 Interest Income 6,424,193 6,354,773 4,043,556 4,001,263 4,893,848 4,879,683
3.2 Interest Expense (2,857,502) (2,876,592) (1,665,341) (1,678,823) (2,178,861) (2,178,861)
A. Net Interest Income (3.1-3.2) 3,566,691 3,478,181 2,378,215 2,322,441 2,714,987 2,700,822
3.3 Fees, Commission and Discount 695,769 623,028 439,982 390,860 494,496 441,644
3.4 Other Operating Income 280,449 267,196 198,323 190,978 218,673 218,462
3.5 Foreign Exchange Gain/Loss (Net) 464,216 464,216 318,988 318,988 377,942 377,942
B. Total Operating Income (A.+3.3+3.4+3.5) 5,007,125 4,832,620 3,335,508 3,223,267 3,806,098 3,738,870
3.6 Staff Expenses (457,330) (434,572) (305,239) (290,186) (378,570) (365,613)
3.7 Other Operating Expenses (532,213) (504,982) (344,421) (328,377) (459,738) (450,828)
C. Operating Profit Before Provision (B.-3.6-3.7) 4,017,583 3,893,066 2,685,848 2,604,703 2,967,790 2,922,429
3.8 Provision for Possible Losses (435,705) (435,705) (280,214) (280,214) (487,268) (487,268)
D. Operating Profit (C.-3.8) 3,581,877 3,457,361 2,405,634 2,324,489 2,480,521 2,435,161
3.9 Non Operating Income/Expenses (Net) 73,605 73,605 53,635 53,635 14,495 14,495
3.10 Write Back of Provision for Possible Loss 205,418 205,418 112,539 112,539 428,676 428,676
E. Profit from Regular Activities (D+3.9+3.10) 3,860,901 3,736,384 2,571,808 2,490,663 2,923,693 2,878,332
3.11 Extra-ordinary Income/Expenses (Net) - - - - - -
F. Profit before Bonus and Taxes (E+3.11) 3,860,901 3,736,384 2,571,808 2,490,663 2,923,693 2,878,332
3.12 Provision for Staff Bonus (350,991) (339,671) (233,801) (226,424) (265,790) (261,667)
3.13 Provision for Tax (1,047,313) (1,019,014) (697,714) (679,272) (795,350) (785,041)
G. Net Profit/(Loss) (F-3.12-3.13) 2,462,597 2,377,699 1,640,294 1,584,968 1,862,552 1,831,624
3.14 Share of non-controlling interest in Profit of Subsidiary - - - - - -
H. Net Profit/Loss (G-3.14) 2,462,597 2,377,699 1,640,294 1,584,968 1,862,552 1,831,624
4 Ratios At the End of This Quarter At the End of Previous Quarter At the End of Corresponding Quarter Previous Year
4.1 Capital Fund to RWA 13.78% 13.78% 14.28% 14.28% 16.12% 16.12%
4.2 Non Performing Loan (NPL) to Total Loan 0.64% 0.64% 0.70% 0.70% 0.78% 0.78%
4.3 Total Loan Loss Provision to Total NPL 266.86% 266.86% 252.56% 252.56% 234.71% 234.71%
4.4 CD Ratio (As per NRB Directives) 69.17% 69.17% 78.03% 78.03% 70.05% 70.05%
4.5 Net Liquid Assets/Total Deposit 27.97% 27.97% 30.75% 30.75% 29.81% 29.81%
4.6 Base Rate 6.89% 6.89% 5.69% 5.69% 4.80% 4.80%
4.7 Average Yield LCY Lending Investments (As per NRB Directives) 9.42% 9.42% 7.99% 7.99% 7.61% 7.61%
4.8 Cost of Funds LCY Deposits (As per NRB Directives) 4.55% 4.55% 3.53% 3.53% 2.65% 2.65%
4.9 Interest Spread LCY (As per NRB Directives) 4.88% 4.88% 4.46% 4.46% 4.96% 4.96%
4.10 Return on Equity (Closing Annualized) 17.43% 16.95% 18.22% 17.74% 14.49% 14.29%
4.11 Return on Assets (Closing Annualized) 2.22% 2.20% 2.29% 2.27% 1.62% 1.81%
4.12 Earning Per share (EPS Annualized) 37.54 36.24 37.68 36.41 34.24 33.67
4.13 PE Ratio 21.34 22.10 18.98 19.64 32.10 32.64
4.14 Networth Per Share 215.38 213.86 206.81 205.28 236.28 235.63
4.15 Total Assets Per Share 1,692.54 1,644.91 1,647.71 1,606.04 2,115.89 1,862.02
Notes:
  • 1) Previous quarters' figures have been regrouped and rearranged whereever necessary.
  • 2) The above figures are subject to change as per the directions, if any, of Nepal Rastra Bank and/or Statutory Auditor.
  • 3) Group represents Nepal Investment Bank Ltd. and its 100% subsidiary NIBL Capital Markets Ltd.
  • 4) Intercompany transactions among the Group have been eliminated in the above statement related to the Group.
  • 5) The CD ratio mentioned in 4.4 above is calculated after considering the relaxation given by NRB vide its Circular No. 15/2073/74 dated 19/11/2074. CD ratio calculated without considering the said relaxation is 78.04%

 

Unaudited Financial Results (Quarterly)

As at Second Quarter (13/01/2017) of the FY 2016-2017 (FY 2073-74) [PDF Format]

Figures in NPR('000)

S/N

Particulars

This Quarter      Ending                     Poush  end 2073

Previous Quarter Ending                 Ashwin end 2073

Corresponding Quarter Previous Year ending                      Poush end 2072

Group

NIBL

Group

NIBL

Group

NIBL
1 Total Capital and Liabilities (1.1 to 1.8) 143,460,113 139,831,921 145,419,887 138,670,976 114,568,594 114,332,878
1.1 Paid Up Capital 8,706,612 8,706,612 8,706,612 8,706,612 6,345,701 6,345,701
1.2 Reserve and Surplus 9,299,557 9,166,107 8,400,063 8,321,939 4,569,252 4,539,436
1.3 Debenture and Bond 1,550,000 1,550,000 1,550,000 1,550,000 1,550,000 1,550,000
1.4 Borrowings 255,409 255,409 1,049,775 1,049,775 783,549 783,549
1.5 Deposit (a+b) 116,603,841 116,607,705 112,746,030 114,869,884 98,067,810 98,081,283
a. Domestic Currency 104,097,406 104,101,269 98,944,414 101,068,269 87,989,140 88,002,613
b. Foreign Currency 12,506,436 12,506,436 13,801,616 13,801,616 10,078,670 10,078,670
1.6 Income Tax Liability 60,599 60,599 240,237 240,237 (1,464) (1,464)
1.7 Other Liabilities 6,984,095 3,485,489 12,727,171 3,932,529 3,253,746 3,034,374
1.8 Non-Controlling Interest - - - - - -
2 Total Assets (2.1 to 2.7) 143,460,113 139,831,921 145,419,887 138,670,976 114,568,594 114,332,878
2.1 Cash and Bank Balance 14,418,696 10,875,856 20,437,573 13,731,739 12,769,880 12,552,337
2.2 Money at Call and Short Notice 1,508,800 1,508,800 127,680 127,680 - -
2.3 Investments 28,617,480 28,650,919 27,770,077 27,809,647 22,232,643 22,271,572
2.4 Loans and Advances (Gross) 96,709,906 96,709,906 94,445,281 94,445,281 77,482,671 77,482,671
a. Real Estate Loan 5,026,088 5,026,088 5,408,857 5,408,857 4,574,808 4,574,808
1. Residential Real Estate Loan (Except Personal Home Loan upto Rs. 1 Crore) 466,655 466,655 494,886 494,886 486,180 486,180
2. Business Compex & Residential Apartment Construction Loan 1,552,717 1,552,717 2,414,756 2,414,756 1,721,757 1,721,757
3. Income Generating Commercial Complex Loan 785,492 785,492 175,320 175,320 182,690 182,690
4. Other Real Estate Loan (Including Land Purchase and Plotting) 2,221,224 2,221,224 2,323,893 2,323,893 2,184,181 2,184,181
b. Personal Home Loan of Rs. 1 Crore or Less 1,224,486 1,224,486 1,268,376 1,268,376 1,376,585 1,376,585
c. Margin Type Loan 728,730 728,730 477,020 477,020 550,654 550,654
d. Term Loan 23,653,972 23,653,972 22,620,558 22,620,558 17,320,584 17,320,584
e. Overdraft/TR Loan/WC Loan 57,350,217 57,350,217 56,480,322 56,480,322 46,406,326 46,406,326
f.  Others 8,726,413 8,726,413 8,190,149 8,190,149 7,253,714 7,253,714
2.5 Fixed Assets (Net) 1,108,606 1,080,107 1,084,517 1,057,463 1,049,267 1,033,264
2.6 Non Banking Assets (Net) - - - - - -
2.7 Other Assets 1,096,626 1,006,334 1,554,760 1,499,166 1,034,133 993,033
3 Profit & Loss  Account Up to This Quarter Up to Previous Quarter Up to Corresponding Quarter Previous Year
3.1 Interest Income 4,043,556 4,001,263 1,899,862 1,888,689 3,194,684 3,184,777
3.2 Interest Expense (1,665,341) (1,678,823) (767,713) (779,007) (1,519,910) (1,519,910)
A. Net Interest Income (3.1-3.2) 2,378,215 2,322,441 1,132,149 1,109,682 1,674,773 1,664,867
3.3 Fees, Commission and Discount 439,982 390,860 199,524 169,632 278,076 256,350
3.4 Other Operating Income 198,323 190,978 116,359 112,437 123,866 123,655
3.5 Foreign Exchange Gain/Loss (Net) 318,988 318,988 156,986 156,986 247,965 247,965
B. Total Operating Income (A.+3.3+3.4+3.5) 3,335,508 3,223,267 1,605,019 1,548,737 2,324,680 2,292,837
3.6 Staff Expenses (305,239) (290,186) (151,293) (142,903) (250,115) (243,047)
3.7 Other Operating Expenses (344,421) (328,377) (155,607) (150,757) (297,390) (291,885)
C. Operating Profit Before Provision (B.-3.6-3.7) 2,685,848 2,604,703 1,298,118 1,255,077 1,777,175 1,757,905
3.8 Provision for Possible Losses (280,214) (280,214) (166,356) (166,356) (318,516) (318,516)
D. Operating Profit (C.-3.8) 2,405,634 2,324,489 1,131,762 1,088,721 1,458,659 1,439,388
3.9 Non Operating Income/Expenses (Net) 53,635 53,635 41,886 41,886 10,825 10,825
3.10 Write Back of Provision for Possible Loss 112,539 112,539 33,507 33,507 244,076 244,076
E. Profit from Regular Activities (D+3.9+3.10) 2,571,808 2,490,663 1,207,155 1,164,114 1,713,560 1,694,290
3.11 Extra-ordinary Income/Expenses (Net) - - - - - -
F. Profit before Bonus and Taxes (E+3.11) 2,571,808 2,490,663 1,207,155 1,164,114 1,713,560 1,694,290
3.12 Provision for Staff Bonus (233,801) (226,424) (109,741) (105,829) (155,778) (154,026)
3.13 Provision for Tax (697,714) (679,272) (327,268) (317,486) (466,459) (462,079)
G. Net Profit/(Loss) (F-3.12-3.13) 1,640,294 1,584,968 770,146 740,800 1,091,323 1,078,184
3.14 Share of non-controlling interest in Profit of Subsidiary - - - - - -
H. Net Profit/Loss (G-3.14) 1,640,294 1,584,968 770,146 740,800 1,091,323 1,078,184
4 Ratios At the End of This Quarter At the End of Previous Quarter At the End of Corresponding Quarter Previous Year
4.1 Capital Fund to RWA 14.28% 14.28% 13.93% 13.93% 11.69% 11.69%
4.2 Non Performing Loan (NPL) to Total Loan 0.70% 0.70% 0.71% 0.71% 1.10% 1.10%
4.3 Total Loan Loss Provision to Total NPL 252.56% 252.56% 250.21% 250.21% 180.32% 180.32%
4.4 CD Ratio (As per NRB Directives) 78.03% 78.03% 78.69% 78.69% 76.67% 76.67%
4.5 Net Liquid Assets/Total Deposit 30.75% 30.75% 32.76% 32.76% 31.37% 31.37%
4.6 Base Rate 5.69% 5.69% 5.22% 5.22% 5.45% 5.45%
4.7 Average Yield LCY Lending & Investments (As per NRB Directives) 7.99% 7.99% 7.26% 7.26% 7.59% 7.59%
4.8 Cost of Funds LCY Deposits (As per NRB Directives) 3.53% 3.53% 2.89% 2.89% 3.16% 3.16%
4.9 Interest Spread LCY (As per NRB Directives) 4.46% 4.46% 4.37% 4.37% 4.43% 4.43%
4.10 Return on Equity (Closing Annualized) 18.22% 17.74% 18.01% 17.40% 20.00% 19.81%
4.11 Return on Assets (Closing Annualized) 2.29% 2.27% 2.12% 2.14% 1.91% 1.89%
4.12 Earning Per share (EPS Annualized) 37.68 36.41 35.38 34.03 34.40 33.98
4.13 PE Ratio 18.98 36.41 22.81 23.71 22.59 22.87
4.14 Networth Per Share 206.81 205.28 196.48 195.58 172.01 171.54
4.15 Total Assets Per Share 1,647.71 1,606.04 1,670.22 1,592.71 1,805.45 1,801.74
Notes:

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

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

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

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

 

Unaudited Financial Results (Quarterly)

As at First Quarter (16/10/2016) of the FY 2016-2017 (FY 2073-74) [PDF Format]

Figures in NPR('000)

S/N Particulars

This Quarter Ending

Ashwin end 2073

Previous Quarter Ending Ashad end 2073 (Audited)

Corresponding Quarter Previous Year ending Ashwin end 2072
Group NIBL Group NIBL Group NIBL
1 Total Capital and Liabilities
(1.1 to 1.8)		 145,419,887 138,670,976 135,637,863 131,331,446 111,784,656 111,469,739
1.1 Paid Up Capital 8,706,612 8,706,612 8,706,612 8,706,612 6,345,701 6,345,701
1.2 Reserve and Surplus 8,400,063 8,321,939 7,650,217 7,581,140 3,907,705 3,885,086
1.3 Debenture and Bond 1,550,000 1,550,000 1,550,000 1,550,000 1,550,000 1,550,000
1.4 Borrowings 1,049,775 1,049,775 250,480 250,480 274,548 274,548
1.5 Deposit (a+b) 112,746,030 114,869,884 108,596,082 108,626,642 95,897,811 95,902,778
a. Domestic Currency 98,944,414 101,068,269 95,164,796 95,195,356 86,789,897 86,794,864
b. Foreign Currency 13,801,616 13,801,616 13,431,286 13,431,286 9,107,914 9,107,914
1.6 Income Tax Liability 240,237 240,237 78,292 78,292
1.7 Other Liabilities 12,727,171 3,932,529 8,884,474 4,616,573 3,730,600 3,433,336
1.8 Non-Controlling Interest - - - - - -
2 Total Assets (2.1 to 2.7) 145,419,887 138,670,976 135,637,863 131,331,446 111,784,656 111,469,739
2.1 Cash and Bank Balance 20,437,573 13,731,739 17,277,099 13,025,832 16,387,250 16,075,392
2.2 Money at Call and Short Notice 127,680 127,680 149,380 149,380 272,590 272,590
2.3 Investments 27,770,077 27,809,647 29,187,388 29,226,762 19,136,567 19,173,429
2.4 Loans and Advances (Gross) 94,445,281 94,445,281 87,009,792 87,009,792 74,110,818 74,110,818
a. Real Estate Loan 5,408,857 5,408,857 5,334,596 5,334,596 4,456,258 4,456,258
1. Residential
;Real Estate Loan
;(Except Personal Home Loan upto
Rs. 1 Crore)		 494,886 494,886 531,382 531,382 472,274 472,274
2. Business Compex & Residential
Apartment Construction Loan		 2,414,756 2,414,756 2,465,171 2,465,171 1,764,754 1,764,754
3. Income Generating Commercial
Complex Loan		 175,320 175,320 177,223 177,223 183,932 183,932
4. Other Real Estate Loan
(Including Land Purchase and
Plotting)		 2,323,893 2,323,893 2,160,820 2,160,820 2,035,298 2,035,298
b. Personal Home Loan of Rs. 1
Crore or Less		 1,268,376 1,268,376 1,273,593 1,273,593 1,400,322 1,400,322
c. Margin Type Loan 477,020 477,020 603,618 603,618 508,274 508,274
d. Term Loan 22,620,558 22,620,558 21,373,407 21,373,407 16,424,792 16,424,792
e. Overdraft/TR Loan/WC Loan 56,480,322 56,480,322 50,832,823 50,832,823 44,157,771 44,157,771
f. Others 8,190,149 8,190,149 7,591,755 7,591,755 7,163,401 7,163,401
2.5 Fixed Assets (Net) 1,084,517 1,057,463 1,073,736 1,050,446 1,066,398 1,052,896
2.6 Non Banking Assets (Net) - - - - - -
2.7 Other Assets 1,554,760 1,499,166 940,468 869,235 811,032 784,614
3 Profit & Loss Account Up to This Quarter Up to Previous Quarter Up to Corresponding Quarter Previous Year
3.1 Interest Income 1,899,862 1,888,689 6,856,958 6,776,755 1,442,802 1,436,222
3.2 Interest Expense (767,713) (779,007) (2,844,418) (2,855,650) (787,713) (787,713)
A. Net Interest Income (3.1-3.2) 1,132,149 1,109,682 4,012,541 3,921,105 655,089 648,508
3.3 Fees, Commission and Discount 199,524 169,632 595,231 604,400 135,193 125,785
3.4 Other Operating Income 116,359 112,437 304,446 305,046 63,906 63,057
3.5 Foreign Exchange Gain/Loss
(Net)		 156,986 156,986 533,265 533,265 131,630 131,630
B. Total Operating Income
(A.+3.3+3.4+3.5)		 1,605,019 1,548,737 5,445,483 5,363,816 985,817 968,980
3.6 Staff Expenses (151,293) (142,903) (589,880) ; (569,749) (124,072) (119,655)
3.7 Other Operating Expenses (155,607) (150,757) (685,799) (657,913) (143,706) (140,003)
C. Operating Profit Before
Provision (B.-3.6-3.7)		 1,298,118 1,255,077 4,169,804 4,136,154 718,039 709,322
3.8 Provision for Possible Losses (166,356) (166,356) (436,465) (436,465) (131,958) (131,958)
D. Operating Profit (C.-3.8) 1,131,762 1,088,721 3,733,339 3,699,689 586,081 577,365
3.9 Non Operating Income/Expenses
(Net)		 41,886 41,886 62,764 19,433 4,056 4,056
3.10 Write Back of Provision for
Possible Loss		 33,507 33,507 358,709 358,690 84,604 84,604
E. Profit from Regular
Activities (D+3.9+3.10)		 1,207,155 1,164,114 4,154,812 4,077,812 674,741 666,024
3.11 Extra-ordinary Income/Expenses
(Net)		 - - 379 379 - -
F. Profit before Bonus and
Taxes (E+3.11)		 1,207,155 1,164,114 4,155,190 4,078,191 674,741 666,024
3.12 Provision for Staff Bonus (109,741) (105,829) (377,745) (370,745) (61,340) (60,548)
3.13 Provision for Tax (327,268) (317,486) (1,174,162) (1,156,563) (183,624) (181,643)
G. Net Profit/(Loss) (F-3.12-3.13) 770,146 740,800 2,603,283 2,550,884 429,777 423,834
3.14 Share of non-controlling interest in
Profit of Subsidiary		 - - - - - -
H. Net Profit/Loss (G-3.14) 770,146 740,800 2,603,283 2,550,884 429,777 423,834
4 Ratios At the End of This Quarter At the End of Previous Quarter At the End of Corresponding
Quarter Previous Year
4.1 Capital Fund to RWA 13.93% 13.93% 14.92% 14.92% 11.31% 11.31%
4.2 Non Performing Loan (NPL) to
Total Loan		 0.71% 0.71% 0.68% 0.68% 1.07% 1.07%
4.3 Total Loan Loss Provision to
Total NPL		 250.21% 250.21% 261.17% 261.17% 192.25% 192.25%
4.4 CD Ratio (As per NRB Directives) 78.69% 78.69% 76.78% 76.78% 74.63% 74.63%
4.5 Net Liquid Assets/Total Deposit 32.76% 32.76% 31.69% 31.69% 35.06% 35.06%
4.6 Base Rate 5.22% 5.22% 5.08% 5.08% 5.83% 5.83%
4.7 Average Yield LCY Lending &
Investments
;(As per NRB Directives)		 7.26% 7.26% 7.21% 7.21% 8.06% 8.06%
4.8 Cost of Funds LCY Deposits
(As per NRB Directives)		 2.89% 2.89% 2.76% 2.76% 3.49% 3.49%
4.9 Interest Spread LCY
(As per NRB Directives)		 4.37% 4.37% 4.45% 4.45% 4.57% 4.57%
4.10 Return on Equity
(Closing Annualized)		 18.01% 17.40% 15.92% 15.66% 16.77% 16.57%
4.11 Return on Assets
(Closing Annualized)		 2.12% 2.14% 1.92% 1.94% 1.54% 1.52%
4.12 Earning Per share
(EPS Annualized)		 35.38 34.03 29.90 29.30 27.09 26.72
4.13 PE Ratio 22.81 23.71 34.78 35.50 38.13 38.67
4.14 Networth Per Share 196.48 195.58 187.87 187.07 161.58 161.22
4.15 Total Assets Per Share 1,670.22 1,592.71 1,557.87 1,508.41 1,761.58 1,756.62

Notes:

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

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

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

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

 

FIRST QUARTERLY REPORT 2073/74 ( in Nepali)

 
 
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Risk Management

Being a financial institution, risk management is an integral part of Nepal Investment Bank Limited (NIBL). With the continuing increase in the scale as well as complexity of  the banking business and the rapid growth in the volume of financial-related transactions, risk management has become essential.

 
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Basel Disclosure

Note:
Above link/s will open a new page.
Alternatively Right Click on the Link -->Save Target As... to save the report to your computer
All form/s are in PDF Format.  Download Adobe Acrobat
 



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