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, Latest, Stock Market,
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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%).

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Stock Symbol

4th Quarter ('000)

Differences (%)

2075/2076

2074/2075

1

EBL

          9,527,073.00

               7,789,174.18

22.31%

2

SBI

          5,719,360.00

               4,372,437.59

30.80%

3

SANIMA

          3,899,153.50

               2,786,630.06

39.92%

4

CZBIL

          4,091,081.00

               2,980,242.51

37.27%

5

SBL

          6,200,578.00

               5,116,351.51

21.19%

6

ADBL

       14,202,395.00

            12,520,376.69

13.43%

7

NBL

       19,626,770.00

            15,670,876.88

25.24%

8

GBIME

          6,044,381.00

               4,690,302.47

28.87%

9

KBL

          3,181,971.00

               3,322,500.16

-4.23%

10

PRVU

          5,673,907.00

               4,184,349.94

35.60%

11

LBL

          3,716,806.00

               2,936,346.36

26.58%

12

MBL

          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%.

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Stock Symbol

4th Quarter ('000)

Differences (%)

2075/2076

2074/2075

1

EBL

129,550,536.00

115,511,705.92

12.15%

2

SBI

97,880,824.00

84,227,327.38

16.21%

3

SANIMA

89,373,728.00

77,849,380.06

14.80%

4

CZBIL

70,509,088.00

60,696,026.97

16.17%

5

SBL

114,904,864.00

94,579,591.12

21.49%

6

ADBL

119,763,456.00

104,216,459.62

14.92%

7

NBL

117,200,792.00

99,540,725.76

17.74%

8

GBIME

120,088,440.00

104,850,510.39

14.53%

9

KBL

73,201,352.00

59,546,335.52

22.93%

10

PRVU

112,393,448.00

97,259,664.94

15.56%

11

LBL

79,743,104.00

65,561,507.92

21.63%

12

MBL

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%.

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Stock Symbol

4th Quarter ('000)

Differences (%)

2075/2076

2074/2075

1

EBL

          112,006,275.00

          94,182,247.60

18.93%

2

SBI

            88,558,973.00

          75,235,861.97

17.71%

3

SANIMA

            83,270,156.38

          69,243,357.17

20.26%

4

CZBIL

            64,491,139.25

          57,022,412.78

13.10%

5

SBL

          108,164,428.00

          86,077,253.84

25.66%

6

ADBL

          112,082,460.88

        100,079,612.26

11.99%

7

NBL

            95,717,344.25

          78,295,981.44

22.25%

8

GBIME

          113,002,920.50

          92,352,355.13

22.36%

9

KBL

            76,186,366.50

          62,375,510.40

22.14%

10

PRVU

            90,347,747.00

          76,172,040.71

18.61%

11

LBL

            77,163,476.00

          61,490,901.07

25.49%

12

MBL

            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

EBL

5,636,690.00

4,869,763.85

15.75%

2

SBI

4,746,960.00

4,144,967.63

14.52%

3

SANIMA

4,100,140.00

3,015,524.20

35.97%

4

CZBIL

2,816,440.00

2,222,067.68

26.75%

5

SBL

4,673,970.00

3,436,258.54

36.02%

6

ADBL

7,370,390.00

6,637,465.77

11.04%

7

NBL

6,179,130.00

6,387,746.06

-3.27%

8

GBIME

5,168,470.00

3,876,883.95

33.32%

9

KBL

3,019,460.00

2,032,678.14

48.55%

10

PRVU

4,569,320.00

2,818,002.56

62.15%

11

LBL

3,044,640.00

2,332,291.93

30.54%

12

MBL

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

EBL

3,046,110.00

2,581,682

17.99%

2

SBI

2,303,640.00

2,023,511

13.84%

3

SANIMA

2,243,390.00

1,697,503

32.16%

4

CZBIL

1,488,420.00

1,234,104

20.61%

5

SBL

2,308,850.00

1,904,062

21.26%

6

ADBL

4,353,250.00

3,442,324

26.46%

7

NBL

2,611,980.00

3,215,681.99

-18.77%

8

GBIME

2,795,290.00

2,101,363

33.02%

9

KBL

1,334,050.00

1,041,893

28.04%

10

PRVU

2,050,560.00

967,035

112.05%

11

LBL

1,576,000.00

1,181,091

33.44%

12

MBL

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

EBL

37.57

17.72

217.52

0.16

2

SBI

27.26

17.20

167.69

0.20

3

SANIMA

28.04

12.41

148.73

0.08

4

CZBIL

17.78

12.60

148.87

1.19

5

SBL

25.98

12.24

169.77

0.75

6

ADBL

44.67

9.16

257.53

2.90

7

NBL

26.62

12.62

300.05

2.58

8

GBIME

27.11

10.88

158.62

0.55

9

KBL

15.36

14.32

136.63

0.97

10

PRVU

23.06

11.54

163.80

2.31

11

LBL

17.67

12.79

141.67

1.11

12

MBL

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