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 Fourth Quarter (16/07/2014) of the FY 2013-2014 (FY 2070-71) [PDF Format]

 

Figures in NPR('000)

 

S/N Particulars This Quarter Ending Ashad end 2071 Previous Quarter Ending Chaitra end 2070 Corresponding Quarter Previous Year ending Ashad end 2070 (audited)
Group NIBL Group NIBL Group NIBL
1 Total Capital and Liabilities (1.1 to 1.8) 87,614,231 87,607,837 84,022,565 84,024,714 74,453,425 74,452,729
1.1 Paid Up Capital 4,146,708 4,146,708 4,146,708 4,146,708 4,144,808 4,144,808
1.2 Reserve and Surplus 4,833,683 4,826,636 4,268,298 4,267,847 2,876,675 2,875,836
1.3 Debenture and Bond 1,050,000 1,050,000 1,300,000 1,300,000 800,000 800,000
1.4 Borrowings 424,340 424,340 331,795 331,795 310,566 310,566
1.5 Deposit (a+b) 73,826,984 73,831,376 71,321,546 71,324,146 62,427,598 62,428,845
a. Domestic Currency 65,517,424 65,521,816 61,794,952 61,797,552 56,122,319 56,123,567
b. Foreign Currency 8,309,560 8,309,560 9,526,594 9,526,594 6,305,279 6,305,279
1.6 Income Tax Liability 1,912 - - - - -
1.7 Other Liabilities 3,330,603 3,328,778 2,654,218 2,654,218 3,893,778 3,892,674
1.8 Non-Controlling Interest - - - - - -
2 Total Assets (2.1 to 2.7) 87,614,231 87,607,837 84,022,565 84,024,714 74,453,425 74,452,729
2.1 Cash and Bank Balance 16,837,160 16,744,711 15,821,169 15,733,016 13,343,409 13,252,088
2.2 Money at Call and Short Notice 232,375 232,375 219,190 219,190 267,400 267,400
2.3 Investments 15,283,375 15,383,529 12,435,924 12,533,724 11,334,997 11,435,268
2.4 Loans and Advances (Gross) 53,458,470 53,458,470 53,567,231 53,567,231 47,700,628 47,700,628
a. Real Estate Loan 4,961,595 4,961,595 5,562,366 5,562,366 6,312,413 6,312,413
1. Residential Real Estate Loan (Except Personal Home Loan upto Rs. 1 Crore) 542,695 542,695 536,861 536,861 513,688 513,688
2. Business Compex & Residential Apartment Construction Loan 1,734,252 1,734,252 1,896,227 1,896,227 1,975,440 1,975,440
3. Income Generating Commercial Complex Loan 36,824 36,824 38,645 38,645 46,616 46,616
4. Other Real Estate Loan (Including Land Purchase and Plotting) 2,647,824 2,647,824 3,090,633 3,090,633 3,776,668 3,776,668
b. Personal Home Loan of Rs. 1 Crore or Less 1,479,546 1,479,546 1,480,882 1,480,882 1,456,825 1,456,825
c. Margin Type Loan 48,505 48,505 56,375 56,375 49,243 49,243
d. Term Loan 9,124,992 9,124,992 8,403,128 8,403,128 7,583,440 7,583,440
e. Overdraft/TR Loan/WC Loan 32,507,649 32,507,649 32,800,708 32,800,708 27,663,921 27,663,921
f.  Others 5,336,182 5,336,182 5,263,771 5,263,771 4,634,786 4,634,786
2.5 Fixed Assets (Net) 1,064,550 1,058,313 1,048,887 1,042,514 1,072,590 1,068,837
2.6 Non Banking Assets (Net) - - 35,573 35,573 - -
2.7 Other Assets 738,300 730,439 894,592 893,467 734,402 728,508
3 Profit & Loss  Account Up to This Quarter Up to Previous Quarter Up to Corresponding Quarter Previous  Year
3.1 Interest Income 5,820,592 5,816,279 4,310,312 4,306,943 5,885,530 5,865,840
3.2 Interest Expense (2,818,806) (2,820,475) (2,142,580) (2,143,420) (2,773,789) (2,774,788)
A. Net Interest Income (3.1-3.2) 3,001,786 2,995,804 2,167,731 2,163,523 3,111,740 3,091,052
3.3 Fees, Commission and Discount 481,024 478,608 315,155 315,155 336,973 348,701
3.4 Other Operating Income 224,178 211,346 176,712 172,639 199,839 199,417
3.5 Foreign Exchange Gain/Loss (Net) 460,227 460,227 336,551 336,551 360,245 360,245
B. Total Operating Income (A.+3.3+3.4+3.5) 4,167,215 4,145,985 2,996,148 2,987,867 4,008,797 3,999,414
3.6 Staff Expenses (446,488) (437,766) (294,922) (289,084) (384,694) (379,942)
3.7 Other Operating Expenses (542,970) (539,331) (388,601) (385,769) (518,879) (515,837)
C. Operating Profit Before Provision (B.-3.6-3.7) 3,177,756 3,168,889 2,312,626 2,313,014 3,105,224 3,103,636
3.8 Provision for Possible Losses (430,508) (430,508) (393,243) (393,243) (958,336) (958,336)
D. Operating Profit (C.-3.8) 2,747,248 2,738,380 1,919,382 1,919,771 2,146,888 2,145,300
3.9 Non Operating Income/Expenses (Net) 11,841 11,841 8,345 8,345 10,431 10,431
3.10 Write Back of Provision for Possible Loss 309,959 309,959 259,267 259,267 930,004 930,004
E. Profit from Regular Activities (D+3.9+3.10) 3,069,049 3,060,181 2,186,995 2,187,383 3,087,323 3,085,734
3.11 Extra-ordinary Income/Expenses (Net) 527 527 527 527 (74,393) (74,393)
F. Profit before Bonus and Taxes (E+3.11) 3,069,576 3,060,708 2,187,522 2,187,911 3,012,929 3,011,341
3.12 Provision for Staff Bonus (279,052) (278,246) (198,901) (198,901) (273,903) (273,758)
3.13 Provision for Tax (833,516) (831,662) (596,998) (596,998) (823,159) (822,555)
G. Net Profit/(Loss) (F-3.12-3.13) 1,957,008 1,950,800 1,391,623 1,392,011 1,915,868 1,915,028
3.14 Share of non-controlling interest in Profit of Subsidiary - - - - - -
H. Net Profit/Loss (G-3.14) 1,957,008 1,950,800 1,391,623 1,392,011 1,915,868 1,915,028
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 12.71% 12.71% 11.87% 11.87% 11.49% 11.49%
4.2 Non Performing Loan (NPL) to Total Loan 1.68% 1.68% 1.63% 1.63% 1.91% 1.91%
4.3 Total Loan Loss Provision to Total NPL 158.41% 158.41% 161.98% 161.98% 142.44% 142.44%
4.4 CD Ratio (As per NRB Directives) 70.85% 70.85% 74.62% 74.62% 78.40% 78.40%
4.5 Net Liquid Assets/Total Deposit 41.41% 41.41% 36.79% 36.79% 31.11% 31.11%
4.6 Base Rate 6.94% 6.94% 6.89% 6.89% 7.80% 7.80%
4.7 Average Yield LCY Lending (As per NRB Directives) 9.32% 9.32% 10.46% 10.46% 11.17% 11.17%
4.8 Cost of Funds LCY Deposits (As per NRB Directives) 3.91% 3.91% 4.41% 4.41% 5.07% 5.07%
4.9 Interest Spread LCY (As per NRB Directives) 5.41% 5.41% 6.05% 6.05% 6.11% 6.11%
4.10 Return on Equity (Annualized) 21.79% 21.74% 22.05% 22.06% 27.29% 27.28%
4.11 Return on Assets (Annualized) 2.23% 2.23% 2.21% 2.21% 2.57% 2.57%
4.12 Earning Per share (EPS Annualized) 47.19 47.04 44.75 44.76 46.22 46.20
4.13 PE Ratio 20.34 20.41 19.24 19.24 16.96 16.97
4.14 Networth Per Share 216.57 216.40 202.93 202.92 169.40 169.38
4.15 Total Assets Per Share 2,112.86 2,112.71 2,026.25 2,026.30 1,796.31 1,796.29

Notes:

1) Previous quarters' figures have been regrouped and rearranged where ever 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) Inter company transactions among the Group have been eliminated in the above statement related to the Group.







 

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