Commercial Banks EPS and CD ratio in the Q3 of current fiscal year (in tabular format)

Mon, Jul 6, 2015 12:00 AM on Others, Others,

ShareSansar, July 6:

In terms of Earning per share (EPS) of Commercial Banks in third quarter, out of the 30 commercial banks, only 4 banks have EPS more than Rs 50. Earning per share generally show the performance of the company as per the investment made by the investors/ shareholders of the company.  Higher the EPS higher will be the performance of the company, in terms of the investor’s point of view.

Everest Bank Limited has the highest annualized EPS in the third quarter of the current fiscal year which stood at NPR 74.48; whereas Grand Bank Limited had the lowest annualized EPS figure of negative NPR 2. 15.

According to NRB directives, Credit to Deposit (CD) ratio more than 80% is riskier, the banks has to maintain balance in CD ratio up to 80%. There is only Grand Bank which has a CD ratio of 99.39 percent which is the highest out of all 30 commercial banks. Agriculture Development Bank’s credit to deposit ratio stands at 79.82 percent, Kumari Bank’s at 79.63 percent, Everest at 79.17 percent and Himalayan at 79.12 percent.

What is Earning Per Share (EPS)?

Earnings per share are conceptually the earnings of the company divided by the number of shares outstanding. It allows us to compare different companies’ power to make profit per share.

What is Credit to Deposit Ratio (CD ratio)?

CD ratio is the ratio of how much a bank lends out of the deposits it has mobilized. It indicates how much of a bank's core funds are being used for lending, the main banking activity. A higher ratio indicates more reliance on deposits for lending and vice-versa

If the ratio is too high, it means that banks might not have enough liquidity to cover any unforeseen fund requirements; if the ratio is too low, banks may not be earning as much as they could be.

Commercial Banks EPS and CD ratio


Company Name 


Annualised EPS 

CD Ratio

1 Agricultural Development Bank Ltd ADBL 13.68 79.82%
2 Bank of Kathmandu BOK 30.21 77.71%
3 Century Commercial Bank Ltd. CCBL 10.26 78.81%
4 Citizens Bank International Limited CZBIL 25.66 75.75%
5 Civil Bank Ltd CBL 8.80 77.44%
6 Everest Bank Ltd EBL 74.48 79.17%
7 Global IME Bank Limited GBIME 21.61 78.54%
8 Grand Bank Nepal Ltd. GRAND -2.15 99.39%
9 Himalayan Bank Ltd. HBL 35.06 79.12%
10 Janata Bank Nepal Ltd. JBNL 8.71 78.28%
11 Kumari Bank Ltd KBL 13.78 79.63%
12 Laxmi Bank Limited LBL 13.69 78.25%
13 Lumbini Bank Ltd. LUBL 16.45 78.17%
14 Machhachapuchhre Bank Ltd MBL 21.14 78.43%
15 Mega Bank Nepal Ltd. MEGA 13.65 78.83%
16 Nabil Bank Ltd. NABIL 59.63 76.19%
17 Nepal Bangladesh Bank Ltd. NBB 28.14 77.76%
18 Nepal Bank Limited NBL 7.44 68.75%
19 Nepal Credit And Com. Bank NCC 30.11 76.30%
20 Nepal Investment Bank Ltd. NIBL 42.80 77.42%
21 NIC Asia Bank Ltd. NIC Asia 28.83 78.61%
22 NMB Bank Ltd. NMB 23.23 78.06%
23 Prabhu Bank Limited PRVU 28.86 73.95%
24 Prime Commercial Bank Limited PCBL 23.50 75.63%
25 Rastriya Banijya Bank Limited RBB 63.05 62.86%
26 Sanima Bank Ltd. SANIMA 22.13 77.75%
27 SBI Bank Limited  SBI 36.10 77.97%
28 Siddhartha Bank Limited SBL 36.36 78.35%
29 Standard Chartered Bank Ltd. SCB 56.79 78.70%
30 Sunrise Bank Limited SUBL 18.81 78.47%