Financial Highlights
Article Index
Financial Highlights
Unaudited Financials(III Qtr 73/74)
Unaudited Financials(II Qtr 73/74)
Unaudited Financials(I Qtr 73/74)
Unaudited Financials(IV Qtr 72/73)
Unaudited Financials(III Qtr 72/73)
Unaudited Financials(II Qtr 72/73)
Unaudited Financials(I Qtr 72/73)
Unaudited Financials(IV Qtr 71/72)
Unaudited Financials(III Qtr 71/72)
Unaudited Financials(II Qtr 71/72)
Unaudited Financials(I Qtr 71/72)
Unaudited Financials(IV Qtr 70/71)
Unaudited Financials(III Qtr 70/71)
Unaudited Financial Results (Quarterly)

As at 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%

 



 

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