Financial Highlights
Article Index
Financial Highlights
Unaudited Financials(IV Qtr 74/75)
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 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.

 



 

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