Civil Bank Ltd · Quarterly report
CBL Q2 Financial Report — FY 2079/80
Civil Bank Ltd (CBL) posted a year-to-date net profit of Rs 63.70 Cr at the end of Q2 FY 2079/80, up 26.4% from Rs 50.40 Cr a year earlier.
Q2 FY 2079/80 vs Q2 FY 2078/79
| Metric | Q2 2079/80 | Q2 2078/79 | Change |
|---|---|---|---|
| Paid Up Capital | 9.08 Arb | 8.64 Arb | +5.0% |
| Retained Earnings | 43.98 Cr | 99.77 Cr | -55.9% |
| Reserves | 2.82 Arb | 1.54 Arb | +83.0% |
| Total Equity | 12.34 Arb | 11.18 Arb | +10.3% |
| Total Assets | 119.41 Arb | 113.77 Arb | +5.0% |
| Deposits from Customers | 94.71 Arb | 91.70 Arb | +3.3% |
| Loans and Advances to BFIs | 4.49 Arb | 4.17 Arb | +7.6% |
| Loans and Advances to Customers | 84.08 Arb | 83.43 Arb | +0.8% |
| Investment Securities | 17.97 Arb | 12.34 Arb | +45.7% |
| Interest Income | 6.82 Arb | 4.60 Arb | +48.2% |
| Net Interest Income | 2.26 Arb | 1.47 Arb | +53.9% |
| Total Operating Income | 2.53 Arb | 1.84 Arb | +37.4% |
| Operating Profit | 90.50 Cr | 73.23 Cr | +23.6% |
| Net Profit | 63.70 Cr | 50.40 Cr | +26.4% |
| Distributable Profit | 43.98 Cr | 99.77 Cr | -55.9% |
| Number of Shares | 9.08 Cr | 8.64 Cr | +5.0% |
| EPS(Rs.) | 14.04 | 11.66 | +20.4% |
| Book Value(Rs.) | 135.96 | 129.39 | +5.1% |
| ROE | 10.32% | 9.01% | +1.31 pp |
| CAR | 16.08% | 15.12% | +0.96 pp |
| NPL | 2.41% | 0.94% | +1.47 pp |
| Cost of funds | 9.49K | 6.80K | +39.6% |
| Credit To Deposit Ratio | 87.05% | 88.88% | -1.83 pp |
| Base Rate | 11.73% | 9.74% | +1.99 pp |
| Interest Spread Rate | 4.00% | 3.05% | +0.95 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
CBL last 7 quarters
| Metric | Q4 2068/69 | Q4 2069/70 | Q2 2078/79 | Q3 2078/79 | Q4 2078/79 | Q1 2079/80 | Q2 2079/80 |
|---|---|---|---|---|---|---|---|
| Net profit | — | — | 50.40 Cr | 90.41 Cr | 1.38 Arb | 41.51 Cr | 63.70 Cr |
| Net interest income | — | — | 1.47 Arb | 2.46 Arb | 3.64 Arb | 1.15 Arb | 2.26 Arb |
| Revenue | — | — | 1.84 Arb | 2.94 Arb | 4.25 Arb | 1.30 Arb | 2.53 Arb |
| Non-performing loans | — | — | 0.94% | 0.99% | 1.08% | 1.41% | 2.41% |
| Return on equity | — | — | 9.01% | 10.42% | 11.52% | 13.36% | 10.32% |