Financial Highlights
Article Index
Financial Highlights
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)

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.



 

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