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 Third Quarter (13/04/2014) of the FY 2013-2014 (FY 2070-71) [PDF Format]

 

Figures in NPR('000)

 

S/N Particulars This Quarter Ending Chaitra end 2070 Previous Quarter Ending Poush end 2070 (Audited) Corresponding Quarter Previous Year ending Chaitra end 2069
Group NIBL Group NIBL Group NIBL
1 Total Capital and Liabilities (1.1 to 1.8) 84,022,565 84,024,714 84,510,798 84,514,465 69,595,308 69,598,152
1.1 Paid Up Capital 4,146,708 4,146,708 4,146,708 4,146,708 3,768,008 3,768,008
1.2 Reserve and Surplus 4,268,298 4,267,847 3,817,069 3,814,644 3,627,451 3,630,293
1.3 Debenture and Bond 1,300,000 1,300,000 1,300,000 1,300,000 1,050,000 1,050,000
1.4 Borrowings 331,795 331,795 436,057 436,057 256,234 256,234
1.5 Deposit (a+b) 71,321,546 71,324,146 71,990,337 71,996,429 58,525,311 58,525,382
a. Domestic Currency 61,794,952 61,797,552 60,910,293 60,916,385 52,959,899 52,959,969
b. Foreign Currency 9,526,594 9,526,594 11,080,044 11,080,044 5,565,413 5,565,413
1.6 Income Tax Liability - - - - - -
1.7 Other Liabilities 2,654,218 2,654,218 2,820,627 2,820,627 2,368,304 2,368,236
1.8 Non-Controlling Interest - - - - - -
2 Total Assets (2.1 to 2.7) 84,022,565 84,024,714 84,510,798 84,514,465 69,595,308 69,598,152
2.1 Cash and Bank Balance 15,821,169 15,733,016 17,246,895 17,154,428 10,336,778 10,336,416
2.2 Money at Call and Short Notice 219,190 219,190 1,239,220 1,239,220 130,223 130,223
2.3 Investments 12,435,924 12,533,724 11,718,357 11,818,628 10,434,397 10,443,747
2.4 Loans and Advances (Gross) 53,567,231 53,567,231 52,250,960 52,250,960 46,929,742 46,929,742
a. Real Estate Loan 5,562,366 5,562,366 5,695,086 5,695,086 6,929,557 6,929,557
1. Residential Real Estate Loan (Except Personal Home Loan upto Rs. 1 Crore) 536,861 536,861 576,227 576,227 469,188 469,188
2. Business Compex & Residential Apartment Construction Loan 1,896,227 1,896,227 1,893,787 1,893,787 2,477,248 2,477,248
3. Income Generating Commercial Complex Loan 38,645 38,645 40,063 40,063 50,152 50,152
4. Other Real Estate Loan (Including Land Purchase and Plotting) 3,090,633 3,090,633 3,185,008 3,185,008 3,932,968 3,932,968
b. Personal Home Loan of Rs. 1 Crore or Less 1,480,882 1,480,882 1,478,838 1,478,838 1,301,475 1,301,475
c. Margin Type Loan 56,375 56,375 53,647 53,647 49,103 49,103
d. Term Loan 8,403,128 8,403,128 8,051,442 8,051,442 6,446,968 6,446,968
e. Overdraft/TR Loan/WC Loan 32,800,708 32,800,708 31,573,558 31,573,558 27,691,824 27,691,824
f.  Others 5,263,771 5,263,771 5,398,389 5,398,389 4,510,815 4,510,815
2.5 Fixed Assets (Net) 1,048,887 1,042,514 1,065,430 1,061,708 1,042,745 1,039,079
2.6 Non Banking Assets (Net) 35,573 35,573 - - - -
2.7 Other Assets 894,592 893,467 989,936 989,522 721,423 718,945
3 Profit & Loss  Account Up to This Quarter Up to Previous Quarter Up to Corresponding Quarter Previous  Year
3.1 Interest Income 4,310,312 4,306,943 2,901,521 2,898,573 4,313,168 4,310,704
3.2 Interest Expense (2,142,580) (2,143,420) (1,482,048) (1,482,888) (2,044,003) (2,044,003)
A. Net Interest Income (3.1-3.2) 2,167,731 2,163,523 1,419,474 1,415,686 2,269,165 2,266,701
3.3 Fees, Commission and Discount 315,155 315,155 209,984 209,984 244,400 244,400
3.4 Other Operating Income 176,712 172,639 127,248 123,221 130,381 130,381
3.5 Foreign Exchange Gain/Loss (Net) 336,551 336,551 244,889 244,889 260,028 260,028
B. Total Operating Income (A.+3.3+3.4+3.5) 2,996,148 2,987,867 2,001,595 1,993,779 2,903,975 2,901,510
3.6 Staff Expenses (294,922) (289,084) (196,716) (193,133) (254,166) (250,717)
3.7 Other Operating Expenses (388,601) (385,769) (252,796) (250,678) (373,640) (371,783)
C. Operating Profit Before Provision (B.-3.6-3.7) 2,312,626 2,313,014 1,552,083 1,549,968 2,276,168 2,279,011
3.8 Provision for Possible Losses (393,243) (393,243) (287,548) (287,548) (538,550) (538,550)
D. Operating Profit (C.-3.8) 1,919,382 1,919,771 1,264,535 1,262,421 1,737,618 1,740,460
3.9 Non Operating Income/Expenses (Net) 8,345 8,345 556 556 (4,176) (4,176)
3.10 Write Back of Provision for Possible Loss 259,267 259,267 212,757 212,757 379,655 379,655
E. Profit from Regular Activities (D+3.9+3.10) 2,186,995 2,187,383 1,477,848 1,475,734 2,113,098 2,115,940
3.11 Extra-ordinary Income/Expenses (Net) 527 527 - - - -
F. Profit before Bonus and Taxes (E+3.11) 2,187,522 2,187,911 1,477,848 1,475,734 2,113,098 2,115,940
3.12 Provision for Staff Bonus (198,901) (198,901) (134,158) (134,158) (192,358) (192,358)
3.13 Provision for Tax (596,998) (596,998) (403,297) (402,768) (577,075) (577,075)
G. Net Profit/(Loss) (F-3.12-3.13) 1,391,623 1,392,011 940,394 938,808 1,343,665 1,346,507
3.14 Share of non-controlling interest in Profit of Subsidiary - - - - - -
H. Net Profit/Loss (G-3.14) 1,391,623 1,392,011 940,394 938,808 1,343,665 1,346,507
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 11.87% 11.87% 11.52% 11.52% 11.81% 11.81%
4.2 Non Performing Loan (NPL) to Total Loan 1.63% 1.63% 1.76% 1.76% 2.53% 2.53%
4.3 Total Loan Loss Provision to Total NPL 161.98% 161.98% 149.23% 149.23% 120.40% 120.40%
4.4 CD Ratio (As per NRB Directives) 74.62% 74.62% 73.78% 73.78% 77.13% 77.13%
4.5 Net Liquid Assets/Total Deposit 36.79% 36.79% 38.93% 38.93% 31.11% 31.11%
4.6 Base Rate 6.89% 6.89% 7.07% 7.07% 7.80% 7.80%
4.7 Average Yield LCY Lending (As per NRB Directives) 10.29% 10.29% 11.04% 11.04% 12.41% 12.41%
4.8 Cost of Funds LCY Deposits (As per NRB Directives) 4.19% 4.19% 4.41% 4.41% 4.84% 4.84%
4.9 Interest Spread LCY (As per NRB Directives) 6.10% 6.10% 6.63% 6.63% 7.57% 7.57%
4.10 Return on Equity (Annualized) 22.23% 22.23% 22.38% 22.38% 26.03% 26.03%
4.11 Return on Assets (Annualized) 2.21% 2.21% 2.52% 2.52% 2.58% 2.58%
4.12 Earning Per share (EPS Annualized) 44.75 44.76 45.36 45.28 47.55 47.65
4.13 PE Ratio 19.24 19.24 22.27 22.31 16.51 16.48
4.14 Networth Per Share 202.93 202.92 192.05 191.99 196.27 196.35
4.15 Total Assets Per Share 2,026.25 2,026.30 2,038.02 2,038.11 1,847.01 1,847.08

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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