Financial Highlights
Article Index
Financial Highlights
Unaudited Financials(III Qtr 74/75)
Unaudited Financials(II Qtr 74/75)
Unaudited Financials(I Qtr 74/75)
Unaudited Financials(IV Qtr 73/74)
Unaudited Financials(III Qtr 73/74)
Unaudited Financials(II Qtr 73/74)
Unaudited Financials(I Qtr 73/74)
Unaudited Financials(IV Qtr 72/73)
Unaudited Financials(III Qtr 72/73)
Unaudited Financials(II Qtr 72/73)
Unaudited Financials(I Qtr 72/73)
Unaudited Financials(IV Qtr 71/72)
Unaudited Financials(III Qtr 71/72)
Unaudited Financials(II Qtr 71/72)
Unaudited Financials(I Qtr 71/72)
Unaudited Financials(IV Qtr 70/71)
Unaudited Financials(III Qtr 70/71)
Unaudited Financial Results (Quarterly)

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
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
3.10 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%
4.10 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) 35.60 35.55 34.62 34.45 37.54 36.24
4.13 PE Ratio 18.74 18.76 18.98 19.07 21.34 22.10
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.

THIRD QUARTERLY REPORT 2074/75 ( in Nepali)



 

// // // //