How did commercial banks fare in major indicators in last quarter of 2075/76? Find the details
Mon, Aug 19, 2019 2:51 PM on Exclusive, Stock Market, Latest,
Commercial banks in Nepal have not only acted as the custodian of wealth of the nation but also as resources which are necessary for the economic development of the country. With the end of Fiscal Year 2075/76, all 28 commercial banks have published their unaudited 4th quarterly report. Here, we have presented the comparative financial outlook of those banks with their previous year’s performance on the basis of various key financial indicators.
Reserve and Surplus
The total reserve and surplus of the commercial banks has reached to Rs.186.40 billion in the fiscal year 2075/76, whereas it was Rs. 153.90 billion in the fiscal year 2074/75, an increase by 21.12%. The highest growth of reserve and surplus is maintained by NIC Asia bank (68.48%) and the lowest by Civil bank (12.34%).
|
# |
Stock Symbol |
4th Quarter ('000) |
Differences (%) |
|
|---|---|---|---|---|
|
2075/2076 |
2074/2075 |
|||
|
1 |
9,527,073.00 |
7,789,174.18 |
22.31% |
|
|
2 |
5,719,360.00 |
4,372,437.59 |
30.80% |
|
|
3 |
3,899,153.50 |
2,786,630.06 |
39.92% |
|
|
4 |
4,091,081.00 |
2,980,242.51 |
37.27% |
|
|
5 |
6,200,578.00 |
5,116,351.51 |
21.19% |
|
|
6 |
14,202,395.00 |
12,520,376.69 |
13.43% |
|
|
7 |
19,626,770.00 |
15,670,876.88 |
25.24% |
|
|
8 |
6,044,381.00 |
4,690,302.47 |
28.87% |
|
|
9 |
3,181,971.00 |
3,322,500.16 |
-4.23% |
|
|
10 |
5,673,907.00 |
4,184,349.94 |
35.60% |
|
|
11 |
3,716,806.00 |
2,936,346.36 |
26.58% |
|
|
12 |
3,188,183.00 |
2,270,297.02 |
40.43% |
|
|
13 |
BOK |
5,943,916.67 |
4,468,419.87 |
33.02% |
|
14 |
NIB |
12,739,037.00 |
12,506,969.11 |
1.86% |
|
15 |
HBL |
7,562,950.00 |
6,024,367.62 |
25.54% |
|
16 |
NBB |
4,360,203.63 |
3,649,249.12 |
19.48% |
|
17 |
SCB |
6,976,340.00 |
5,914,071.51 |
17.96% |
|
18 |
PCBL |
4,260,780.75 |
3,174,411.75 |
34.22% |
|
19 |
SRBL |
4,068,792.38 |
3,274,621.19 |
24.25% |
|
20 |
NABIL |
14,244,404.00 |
12,543,062.31 |
13.56% |
|
21 |
NICA |
6,131,584.15 |
3,639,338.56 |
68.48% |
|
22 |
NMB |
5,324,831.00 |
4,825,152.08 |
10.36% |
|
23 |
CBL |
2,239,051.00 |
2,554,213.89 |
-12.34% |
|
24 |
NCCB |
5,328,720.00 |
3,804,054.02 |
40.08% |
|
25 |
JBNL |
2,683,160.06 |
2,034,796.19 |
31.86% |
|
26 |
RBB |
14,537,695.42 |
13,099,801.00 |
10.98% |
|
27 |
MEGA |
3,213,587.62 |
2,346,136.50 |
36.97% |
|
28 |
CCBL |
1,716,170.00 |
1,399,188.96 |
22.65% |
|
Total |
186,402,882.18 |
153,897,739.04 |
21.12% |
|
Source: Annual Report and SS Pro
Deposits from Customers
The total deposits collected by banks from their customers have increased by 16.42% in this FY2075/76. Janata Bank has reported the highest growth in deposit from customers, i.e. by 30.33% in the Fiscal Year 2075/76 followed by NIC Asia with 26.67%, while Prime Commercial Bank has shown the lowest rise in deposit collected from customers, only by 6.06%.
|
# |
Stock Symbol |
4th Quarter ('000) |
Differences (%) |
|
|---|---|---|---|---|
|
2075/2076 |
2074/2075 |
|||
|
1 |
129,550,536.00 |
115,511,705.92 |
12.15% |
|
|
2 |
97,880,824.00 |
84,227,327.38 |
16.21% |
|
|
3 |
89,373,728.00 |
77,849,380.06 |
14.80% |
|
|
4 |
70,509,088.00 |
60,696,026.97 |
16.17% |
|
|
5 |
114,904,864.00 |
94,579,591.12 |
21.49% |
|
|
6 |
119,763,456.00 |
104,216,459.62 |
14.92% |
|
|
7 |
117,200,792.00 |
99,540,725.76 |
17.74% |
|
|
8 |
120,088,440.00 |
104,850,510.39 |
14.53% |
|
|
9 |
73,201,352.00 |
59,546,335.52 |
22.93% |
|
|
10 |
112,393,448.00 |
97,259,664.94 |
15.56% |
|
|
11 |
79,743,104.00 |
65,561,507.92 |
21.63% |
|
|
12 |
85,198,528.00 |
71,142,372.64 |
19.76% |
|
|
13 |
BOK |
82,936,128.00 |
76,913,753.91 |
7.83% |
|
14 |
NIB |
149,392,288.00 |
136,585,576.00 |
9.38% |
|
15 |
HBL |
109,390,480.00 |
98,988,791.21 |
10.51% |
|
16 |
NBB |
59,827,532.00 |
48,052,952.76 |
24.50% |
|
17 |
SCB |
75,731,528.00 |
67,061,046.52 |
12.93% |
|
18 |
PCBL |
77,040,072.00 |
72,635,987.98 |
6.06% |
|
19 |
SRBL |
75,432,152.00 |
67,366,127.52 |
11.97% |
|
20 |
NABIL |
164,373,040.00 |
134,810,669.68 |
21.93% |
|
21 |
NICA |
176,820,688.91 |
139,589,607.85 |
26.67% |
|
22 |
NMB |
97,892,304.00 |
83,970,867.22 |
16.58% |
|
23 |
CBL |
42,000,234.00 |
34,222,597.01 |
22.73% |
|
24 |
NCCB |
67,035,624.00 |
57,260,544.47 |
17.07% |
|
25 |
JBNL |
76,018,696.00 |
58,329,724.25 |
30.33% |
|
26 |
RBB |
190,031,471.67 |
169,337,056.00 |
12.22% |
|
27 |
MEGA |
78,684,856.00 |
63,498,999.38 |
23.92% |
|
28 |
CCBL |
57,996,301.00 |
53,331,616.45 |
8.75% |
|
Total |
2,790,411,555.58 |
2,396,937,526.46 |
16.42% |
|
Source: Annual Report and SS Pro
Loans and Advances
As compared to previous fiscal year, the combined loans and advances of these banks has increased by 19.37% in this fiscal year 2075/76. Nepal Bangladesh Bank has got the highest growth in loans and advances, by 28.96%, whereas Prime Commercial Bank has the lowest growth in loans and advance, only by 7.95%.
|
# |
Stock Symbol |
4th Quarter ('000) |
Differences (%) |
|
|---|---|---|---|---|
|
2075/2076 |
2074/2075 |
|||
|
1 |
112,006,275.00 |
94,182,247.60 |
18.93% |
|
|
2 |
88,558,973.00 |
75,235,861.97 |
17.71% |
|
|
3 |
83,270,156.38 |
69,243,357.17 |
20.26% |
|
|
4 |
64,491,139.25 |
57,022,412.78 |
13.10% |
|
|
5 |
108,164,428.00 |
86,077,253.84 |
25.66% |
|
|
6 |
112,082,460.88 |
100,079,612.26 |
11.99% |
|
|
7 |
95,717,344.25 |
78,295,981.44 |
22.25% |
|
|
8 |
113,002,920.50 |
92,352,355.13 |
22.36% |
|
|
9 |
76,186,366.50 |
62,375,510.40 |
22.14% |
|
|
10 |
90,347,747.00 |
76,172,040.71 |
18.61% |
|
|
11 |
77,163,476.00 |
61,490,901.07 |
25.49% |
|
|
12 |
77,540,982.75 |
64,215,605.15 |
20.75% |
|
|
13 |
BOK |
73,783,722.58 |
67,620,913.91 |
9.11% |
|
14 |
NIB |
151,324,705.33 |
120,825,495.94 |
25.24% |
|
15 |
HBL |
97,593,656.50 |
86,160,212.67 |
13.27% |
|
16 |
NBB |
54,498,417.00 |
42,259,092.47 |
28.96% |
|
17 |
SCB |
55,651,605.00 |
46,696,179.87 |
19.18% |
|
18 |
PCBL |
75,531,240.75 |
69,966,856.44 |
7.95% |
|
19 |
SRBL |
70,028,165.50 |
60,213,138.97 |
16.30% |
|
20 |
NABIL |
135,342,821.00 |
113,625,154.95 |
19.11% |
|
21 |
NICA |
149,506,059.49 |
120,462,766.14 |
24.11% |
|
22 |
NMB |
91,806,146.00 |
75,209,339.54 |
22.07% |
|
23 |
CBL |
44,437,107.00 |
40,122,943.84 |
10.75% |
|
24 |
NCCB |
63,405,411.00 |
53,313,197.20 |
18.93% |
|
25 |
JBNL |
68,596,063.75 |
54,067,898.94 |
26.87% |
|
26 |
RBB |
149,009,080.13 |
124,423,472.00 |
19.76% |
|
27 |
MEGA |
72,663,181.50 |
57,120,429.48 |
27.21% |
|
28 |
CCBL |
59,074,915.00 |
54,478,611.99 |
8.44% |
|
Total |
2,510,784,567.04 |
2,103,308,843.82 |
19.37% |
|
Source: Annual Report and SS Pro
Net Interest Income
The net interest income of these banks has shown the growth of 25.31% in two years. The highest growth is maintained by NCC Bank, i.e.91.48%, and the lowest (negative) by Nepal bank with 3.27% only.
|
# |
Stock Symbol |
4th Quarter ('000) |
Differences (%) |
|
|---|---|---|---|---|
|
2075/2076 |
2074/2075 |
|||
|
1 |
5,636,690.00 |
4,869,763.85 |
15.75% |
|
|
2 |
4,746,960.00 |
4,144,967.63 |
14.52% |
|
|
3 |
4,100,140.00 |
3,015,524.20 |
35.97% |
|
|
4 |
2,816,440.00 |
2,222,067.68 |
26.75% |
|
|
5 |
4,673,970.00 |
3,436,258.54 |
36.02% |
|
|
6 |
7,370,390.00 |
6,637,465.77 |
11.04% |
|
|
7 |
6,179,130.00 |
6,387,746.06 |
-3.27% |
|
|
8 |
5,168,470.00 |
3,876,883.95 |
33.32% |
|
|
9 |
3,019,460.00 |
2,032,678.14 |
48.55% |
|
|
10 |
4,569,320.00 |
2,818,002.56 |
62.15% |
|
|
11 |
3,044,640.00 |
2,332,291.93 |
30.54% |
|
|
12 |
3,539,950.00 |
2,739,799.12 |
29.20% |
|
|
13 |
BOK |
3,774,413.74 |
3,059,125.72 |
23.38% |
|
14 |
NIB |
6,153,188.00 |
5,850,178.35 |
5.18% |
|
15 |
HBL |
5,042,347.50 |
4,321,823.72 |
16.67% |
|
16 |
NBB |
2,914,334.00 |
1,970,621.59 |
47.89% |
|
17 |
SCB |
3,523,189.00 |
3,298,034.16 |
6.83% |
|
18 |
PCBL |
3,597,825.00 |
2,665,915.44 |
34.96% |
|
19 |
SRBL |
3,599,410.00 |
2,870,928.07 |
25.37% |
|
20 |
NABIL |
7,336,036.00 |
6,262,059.03 |
17.15% |
|
21 |
NICA |
6,960,032.59 |
4,209,664.04 |
65.33% |
|
22 |
NMB |
4,266,196.00 |
2,904,014.08 |
46.91% |
|
23 |
CBL |
2,202,202.00 |
1,408,397.32 |
56.36% |
|
24 |
NCCB |
3,088,010.00 |
1,612,692.76 |
91.48% |
|
25 |
JBNL |
3,417,854.00 |
2,402,471.02 |
42.26% |
|
26 |
RBB |
10,229,511.49 |
10,059,079.00 |
1.69% |
|
27 |
MEGA |
3,795,676.75 |
2,373,561.57 |
59.91% |
|
28 |
CCBL |
2,673,282.00 |
1,919,284.68 |
39.29% |
|
Total |
127,439,068.07 |
101,701,299.95 |
25.31% |
|
Source: Annual Report and SS Pro
Net Profit
The net profit of these commercial banks stands at Rs.65.40 billions in the FY 2075/76, whereas it was 53.30 billion in the previous FY 2074/75, an increase by 22.69%. NIC Asia has maintained the highest growth by 128.74% while Nepal Bank has negative growth by 18.77% in this fiscal year 2018/19.
|
# |
Stock Symbol |
4th Quarter ('000) |
Differences (%) |
|
|---|---|---|---|---|
|
2075/2076 |
2074/2075 |
|||
|
1 |
3,046,110.00 |
2,581,682 |
17.99% |
|
|
2 |
2,303,640.00 |
2,023,511 |
13.84% |
|
|
3 |
2,243,390.00 |
1,697,503 |
32.16% |
|
|
4 |
1,488,420.00 |
1,234,104 |
20.61% |
|
|
5 |
2,308,850.00 |
1,904,062 |
21.26% |
|
|
6 |
4,353,250.00 |
3,442,324 |
26.46% |
|
|
7 |
2,611,980.00 |
3,215,681.99 |
-18.77% |
|
|
8 |
2,795,290.00 |
2,101,363 |
33.02% |
|
|
9 |
1,334,050.00 |
1,041,893 |
28.04% |
|
|
10 |
2,050,560.00 |
967,035 |
112.05% |
|
|
11 |
1,576,000.00 |
1,181,091 |
33.44% |
|
|
12 |
1,703,580.00 |
1,249,688 |
36.32% |
|
|
13 |
BOK |
1,938,219.76 |
1,321,188 |
46.70% |
|
14 |
NIB |
3,415,604.00 |
3,659,322.73 |
-6.66% |
|
15 |
HBL |
2,847,005.75 |
1,875,610.47 |
51.79% |
|
16 |
NBB |
1,619,518.25 |
1,144,035.28 |
41.56% |
|
17 |
SCB |
2,495,359.00 |
2,189,898.09 |
13.95% |
|
18 |
PCBL |
2,365,334.25 |
1,726,246.11 |
37.02% |
|
19 |
SRBL |
1,707,037.62 |
1,476,971.85 |
15.58% |
|
20 |
NABIL |
4,294,182.00 |
3,981,892.95 |
7.84% |
|
21 |
NICA |
3,053,304.06 |
1,334,861.93 |
128.74% |
|
22 |
NMB |
2,310,054.00 |
1,853,792.75 |
24.61% |
|
23 |
CBL |
760,406.00 |
629,899.46 |
20.72% |
|
24 |
NCCB |
1,526,823.00 |
1,341,516.33 |
13.81% |
|
25 |
JBNL |
1,344,911.75 |
1,002,779.55 |
34.12% |
|
26 |
RBB |
5,328,371.66 |
4,899,716.00 |
8.75% |
|
27 |
MEGA |
1,719,269.00 |
1,317,351.77 |
30.51% |
|
28 |
CCBL |
860,823.00 |
912,283.37 |
-5.64% |
|
Total |
65,401,343.11 |
53,307,304.54 |
22.69% |
|
Source: Annual Report and SS Pro
Others
The highest EPS of Rs.59.17 is maintained by Rastriya Banijya Bank and the lowest EPS of Rs.9.50 by Civil Bank. The Standard Chartered Bank Nepal has the highest P/E ratio of 21.90, whereas Agricultural Bank has the lowest P/E ratio of 9.16.
|
# |
Stock Symbol |
4th Quarter ('000) |
|||
|---|---|---|---|---|---|
|
EPS (Rs.) |
P/E Ratio |
Net Worth per Share (Rs.) |
NPL to Total Loan |
||
|
1 |
37.57 |
17.72 |
217.52 |
0.16 |
|
|
2 |
27.26 |
17.20 |
167.69 |
0.20 |
|
|
3 |
28.04 |
12.41 |
148.73 |
0.08 |
|
|
4 |
17.78 |
12.60 |
148.87 |
1.19 |
|
|
5 |
25.98 |
12.24 |
169.77 |
0.75 |
|
|
6 |
44.67 |
9.16 |
257.53 |
2.90 |
|
|
7 |
26.62 |
12.62 |
300.05 |
2.58 |
|
|
8 |
27.11 |
10.88 |
158.62 |
0.55 |
|
|
9 |
15.36 |
14.32 |
136.63 |
0.97 |
|
|
10 |
23.06 |
11.54 |
163.80 |
2.31 |
|
|
11 |
17.67 |
12.79 |
141.67 |
1.11 |
|
|
12 |
21.15 |
12.48 |
139.58 |
0.37 |
|
|
13 |
BOK |
24.04 |
10.61 |
173.72 |
1.50 |
|
14 |
NIB |
26.54 |
19.56 |
199.78 |
2.78 |
|
15 |
HBL |
33.41 |
16.52 |
188.76 |
1.12 |
|
16 |
NBB |
20.02 |
11.09 |
153.91 |
1.56 |
|
17 |
SCB |
31.15 |
21.90 |
187.08 |
0.15 |
|
18 |
PCBL |
25.38 |
10.95 |
145.72 |
0.92 |
|
19 |
SRBL |
20.94 |
11.84 |
151.47 |
1.03 |
|
20 |
NABIL |
47.65 |
16.79 |
258.06 |
0.74 |
|
21 |
NICA |
34.56 |
12.96 |
169.41 |
0.46 |
|
22 |
NMB |
24.02 |
15.90 |
181.49 |
0.82 |
|
23 |
CBL |
9.50 |
16.63 |
127.98 |
2.37 |
|
24 |
NCCB |
21.75 |
11.31 |
178.38 |
2.78 |
|
25 |
JBNL |
16.81 |
12.73 |
133.54 |
1.11 |
|
26 |
RBB |
59.17 |
|
261.44 |
3.90 |
|
27 |
MEGA |
16.55 |
12.87 |
130.93 |
0.86 |
|
28 |
CCBL |
10.23 |
17.30 |
120.80 |
1.72 |
Source: Annual Report and SS Pro
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