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)

As at First Quarter (17/10/2014) of the FY 2014-2015 (FY 2071-72) [PDF Format]

 

Figures in NPR('000)

S/N Particulars This Quarter Ending Ashwin end 2071 Previous Quarter Ending Ashad end 2071 (audited) Corresponding Quarter Previous Year ending Ashwin end 2070
Group NIBL Group NIBL Group NIBL
1 Total Capital and Liabilities (1.1 to 1.8) 89,426,147 89,424,410 87,618,310 87,612,632 83,823,740 83,824,951
1.1 Paid Up Capital 4,768,714 4,768,714 4,768,714 4,768,714 4,144,808 4,144,808
1.2 Reserve and Surplus 3,652,318 3,648,083 3,163,905 3,156,765 3,338,642 3,338,446
1.3 Debenture and Bond 1,800,000 1,800,000 1,050,000 1,050,000 1,300,000 1,300,000
1.4 Borrowings 407,821 407,821 424,340 424,340 434,674 424,674
1.5 Deposit (a+b) 74,984,731 74,941,229 73,828,084 73,831,376 71,144,633 71,146,041
a. Domestic Currency 66,196,557 66,199,056 65,518,524 65,521,816 60,931,325 60,932,733
b. Foreign Currency 8,742,173 8,742,173 8,309,560 8,309,560 10,213,309 10,213,309
1.6 Income Tax Liability 132,099 132,099- - - 70,015- 70,015-
1.7 Other Liabilities 3,726,464 3,726,464 4,383,267 4,381,438 3,390,966 3,390,966
1.8 Non-Controlling Interest - - - - - -
2 Total Assets (2.1 to 2.7) 89,426,147 89,424,410 87,618,310 87,612,632 83,823,740 83,824,951
2.1 Cash and Bank Balance 9,332,713 9,247,497 16,825,948 16,744,711 20,285,006 20,192,704
2.2 Money at Call and Short Notice 800,000 800,000 232,375 232,375
-
-
2.3 Investments 17,737,340 17,833,053 15,283,226 15,838,529 11,429,388 11,529,659
2.4 Loans and Advances (Gross) 59,818,119 59,818,119 53,458,470 53,458,470 50,219,704 50,219,704
a. Real Estate Loan 4,483,350 4,483,350 4,961,595 4,961,595 6,102,743 6,102,743
1. Residential Real Estate Loan (Except Personal Home Loan upto Rs. 1 Crore) 597,471 597,471 542,695 542,695 530,581 530,581
2. Business Compex & Residential Apartment Construction Loan 1,496,026 1,496,026 1,734,252 1,734,252 1,999,211 1,999,211
3. Income Generating Commercial Complex Loan 38,807 36,807 36,824 36,824 43,289 43,289
4. Other Real Estate Loan (Including Land Purchase and Plotting) 2,351,047 2,351,047 2,647,824 2,647,824 3,529,663 3,529,663
b. Personal Home Loan of Rs. 1 Crore or Less 1,497,447 1,497,447 1,479,546 1,479,546 1,466,464 1,466,464
c. Margin Type Loan 63,213 63,213 48,505 48,505 50,022 50,022
d. Term Loan 9,819,781 9,819,781 9,124,992 9,124,992 7,943,545 7,943,545
e. Overdraft/TR Loan/WC Loan 37,842,504 37,842,504 32,507,649 32,507,649 30,167,529 30,167,529
f. Others 6,111,822 6,111,822 5,336,182 5,336,182 4,489,401 4,489,401
2.5 Fixed Assets (Net) 1,071,637 1,064,331 1,064,550 1,058,313 1,076,571 1,072,863
2.6 Non Banking Assets (Net) 3926 3926 - - - -
2.7 Other Assets 662,413 657,484 753,741 735,234 813,072 810,023
3 Profit & Loss Account Up to This Quarter Up to Previous Quarter Up to Corresponding Quarter Previous Year
3.1 Interest Income 1,373,686 1,372,573 5,820,592 5,816,279 1,473,270 1,471,306
3.2 Interest Expense (668,168) (668,168) (2,818,806) (2,820,475) (791,634) (791,634)
A. Net Interest Income (3.1-3.2) 705,518 704,405 3,001,786 2,995,804 681,637 679,672
3.3 Fees, Commission and Discount 129,130 128,910 479,699 478,608 96,187 96,187
3.4 Other Operating Income 43,940 43,940 225,559 211,346 65,029 64,829
3.5 Foreign Exchange Gain/Loss (Net) 98,918 98,918 460,227 460,227 146,596 146,596
B. Total Operating Income (A.+3.3+3.4+3.5) 977,506 976,174 4,167,270 4,145,985 989,449 987,285
3.6 Staff Expenses (111,322) (108,651) (446,527) (437,766) (93,230) (91,589)
3.7 Other Operating Expenses (132,456) (130,889) (542,960) (539,331) (123,203) (122,038)
C. Operating Profit Before Provision (B.-3.6-3.7) 733,728 736,633 3,177,783 3,168,889 773,015 773,658
3.8 Provision for Possible Losses (197,912) (197,912) (277,278) (277,278) (185,388) (185,388)
D. Operating Profit (C.-3.8) 535,815 538,720 2,900,504 2,891,610 587,627 588,270
3.9 Non Operating Income/Expenses (Net) 1,361 1,361 11,841 11,841 - -
3.10 Write Back of Provision for Possible Loss 235,793 235,793 138,148 139,148 138,688 138,688
E. Profit from Regular Activities (D+3.9+3.10) 772,969 775,874 3,351,494 2,042,600 726,316 726,958
3.11 Extra-ordinary Income/Expenses (Net) - - 527 527 -) -
F. Profit before Bonus and Taxes (E+3.11) 772,969 775,874 3,052,021 3,043,127 726,316 726,958
3.12 Provision for Staff Bonus (70,534) (70,534) (277,456) (276,648) (66,087) (66,087)
3.13 Provision for Tax (214,023) (214,023) (828,652) (826,867) (198,261) (198,261)
G. Net Profit/(Loss) (F-3.12-3.13) 488,412 491,318 1,945,913 1,939,612 461,967 462,610
3.14 Share of non-controlling interest in Profit of Subsidiary - - - - - -
H. Net Profit/Loss (G-3.14) 488,412 491,318 1,945,913 1,939,612 461,967 462,610
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 12.00% 12.00% 11.27% 11.27% 11.32% 11.32%
4.2 Non Performing Loan (NPL) to Total Loan 1.55% 1.55% 1.77% 1.77% 1.70% 1.70%
4.3 Total Loan Loss Provision to Total NPL 150.41% 150.41% 151.90% 151.90% 158.13% 158.13%
4.4 CD Ratio (As per NRB Directives) 78.10% 78.10% 71.90% 71.90% 73.40% 73.40%
4.5 Net Liquid Assets/Total Deposit 32.29% 32.29% 38.93% 38.93% 42.86% 42.86%
4.6 Base Rate 6.49% 6.49% 7.07% 7.07% 7.46% 7.46%
4.7 Average Yield LCY Lending (As per NRB Directives) 8.21% 8.21% 9.31% 9.31% 10.70% 10.70%
4.8 Cost of Funds LCY Deposits (As per NRB Directives) 3.69% 3.69% 3.91% 3.91% 4.67% 4.67%
4.9 Interest Spread LCY (As per NRB Directives) 4.52% 4.52% 5.40% 5.40% 6.03% 6.03%
4.10 Return on Equity (Annualized) 23.20% 23.35% 24.53% 24.47% 24.69% 24.73%
4.11 Return on Assets (Annualized) 2.18% 2.20% 2.22% 2.21% 2.20% 2.21%
4.12 Earning Per share (EPS Annualized) 40.97 41.21 40.81 40.67 44.58 44.64
4.13 PE Ratio 18.67 18.56 23.53 23.60 19.38 19.35
4.14 Networth Per Share 176.59 176.50 166.35 166.20 180.55 180.55
4.15 Total Assets Per Share 1,875.27 1,875.23 1,837.36 1,837.24 2,022.38 2,022.41
Notes:
1) Previous quarters' figures have been regrouped and rearranged wherever 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.
 

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