Century Commercial Bank Ltd. · Quarterly report
CCBL Q1 Financial Report — FY 2079/80
Century Commercial Bank Ltd. (CCBL) posted a year-to-date net profit of Rs 31.85 Cr at the end of Q1 FY 2079/80, up 16.9% from Rs 27.25 Cr a year earlier.
Q1 FY 2079/80 vs Q1 FY 2078/79
| Metric | Q1 2079/80 | Q1 2078/79 | Change |
|---|---|---|---|
| Paid Up Capital | 9.55 Arb | 9.03 Arb | +5.7% |
| Retained Earnings | 54.72 Cr | 69.53 Cr | -21.3% |
| Reserves | 2.37 Arb | 1.56 Arb | +52.0% |
| Total Equity | 12.47 Arb | 11.29 Arb | +10.5% |
| Total Assets | 116.30 Arb | 112.43 Arb | +3.4% |
| Deposits from Customers | 95.28 Arb | 94.89 Arb | +0.4% |
| Loans and Advances to BFIs | 2.12 Arb | 2.03 Arb | +4.5% |
| Loans and Advances to Customers | 85.01 Arb | 84.11 Arb | +1.1% |
| Investment Securities | 13.66 Arb | 12.92 Arb | +5.7% |
| Interest Income | 3.31 Arb | 2.16 Arb | +53.1% |
| Net Interest Income | 1.08 Arb | 67.17 Cr | +60.2% |
| Total Operating Income | 1.22 Arb | 91.92 Cr | +33.1% |
| Operating Profit | 43.95 Cr | 37.66 Cr | +16.7% |
| Net Profit | 31.85 Cr | 27.25 Cr | +16.9% |
| Distributable Profit | 54.72 Cr | 69.53 Cr | -21.3% |
| Number of Shares | 9.55 Cr | 9.03 Cr | +5.7% |
| EPS(Rs.) | 13.34 | 12.06 | +10.6% |
| Book Value(Rs.) | 130.52 | 124.95 | +4.5% |
| ROE | 10.22% | 9.65% | +0.57 pp |
| CAR | 13.18% | 11.61% | +1.57 pp |
| NPL | 1.88% | 1.88% | +0.00 pp |
| Cost of funds | 8.73K | 6.17K | +41.5% |
| Credit To Deposit Ratio | 88.40% | 88.70% | -0.30 pp |
| Base Rate | 10.76% | 8.09% | +2.67 pp |
| Interest Spread Rate | 3.72% | 2.74% | +0.98 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
CCBL last 7 quarters
| Metric | Q4 2068/69 | Q4 2069/70 | Q1 2078/79 | Q2 2078/79 | Q3 2078/79 | Q4 2078/79 | Q1 2079/80 |
|---|---|---|---|---|---|---|---|
| Net profit | — | — | 27.25 Cr | 72.22 Cr | 1.02 Arb | 1.36 Arb | 31.85 Cr |
| Net interest income | — | — | 67.17 Cr | 1.29 Arb | 2.14 Arb | 3.20 Arb | 1.08 Arb |
| Revenue | — | — | 91.92 Cr | 1.69 Arb | 2.66 Arb | 3.87 Arb | 1.22 Arb |
| Non-performing loans | — | — | 1.88% | 1.31% | 1.60% | 1.59% | 1.88% |
| Return on equity | — | — | 9.65% | 12.47% | 11.42% | 11.13% | 10.22% |