Nabil Bank Limited · Quarterly report
NABIL Q4 Financial Report — FY 2082/83
Nabil Bank Limited (NABIL) posted a year-to-date net profit of Rs 7.91 Arb at the end of Q4 FY 2082/83, up 10.9% from Rs 7.13 Arb a year earlier. Annualised EPS is Rs 24.66 against Rs 26.34 in Q4 FY 2081/82.
Q4 FY 2082/83 vs Q4 FY 2081/82
| Metric | Q4 2082/83 | Q4 2081/82 | Change |
|---|---|---|---|
| Paid Up Capital | 32.06 Arb | 27.06 Arb | +18.5% |
| Share Premium | 0 | 0 | — |
| Retained Earnings | 5.17 Arb | 4.77 Arb | +8.3% |
| Reserves | 34.68 Arb | 31.91 Arb | +8.7% |
| Total Equity | 71.91 Arb | 63.74 Arb | +12.8% |
| Total Assets | 734.73 Arb | 638.16 Arb | +15.1% |
| Deposits from Customers | 592.56 Arb | 524.63 Arb | +12.9% |
| Borrowings | 0 | 0 | — |
| Loans and Advances to BFIs | 16.55 Arb | 14.20 Arb | +16.6% |
| Loans and Advances to Customers | 460.32 Arb | 412.80 Arb | +11.5% |
| Investment Securities | 127.54 Arb | 117.29 Arb | +8.7% |
| Interest Income | 37.96 Arb | 40.47 Arb | -6.2% |
| Net Interest Income | 17.01 Arb | 16.33 Arb | +4.2% |
| Total Operating Income | 22.33 Arb | 21.01 Arb | +6.3% |
| Operating Profit | 11.56 Arb | 10.85 Arb | +6.6% |
| Net Profit | 7.91 Arb | 7.13 Arb | +10.9% |
| Distributable Profit | 5.17 Arb | 4.77 Arb | +8.3% |
| Number of Shares | 32.06 Cr | 27.06 Cr | +18.5% |
| EPS Reported | 24.66 | 26.34 | -6.4% |
| Book Value Reported | 224.31 | 235.58 | -4.8% |
| ROE Reported | 10.99% | 11.64% | -0.65 pp |
| CAR | 12.37% | 11.94% | +0.43 pp |
| NPL | 4.20% | 4.27% | -0.07 pp |
| Cost of funds | 3.09K | 4.41K | -29.9% |
| Credit To Deposit Ratio | 80.18% | 82.48% | -2.30 pp |
| Base Rate | 4.44% | 5.83% | -1.39 pp |
| Interest Spread Rate | 3.18% | 3.57% | -0.39 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
NABIL last 8 quarters
| Metric | Q1 2081/82 | Q2 2081/82 | Q3 2081/82 | Q4 2081/82 | Q1 2082/83 | Q2 2082/83 | Q3 2082/83 | Q4 2082/83 |
|---|---|---|---|---|---|---|---|---|
| Net profit | 2.06 Arb | 3.24 Arb | 5.05 Arb | 7.13 Arb | 1.76 Arb | 4.76 Arb | 6.76 Arb | 7.91 Arb |
| EPS | — | 23.98 | 24.89 | 26.34 | 25.97 | 29.69 | 28.14 | 24.66 |
| Net interest income | 4.14 Arb | 7.90 Arb | 12.05 Arb | 16.33 Arb | 3.90 Arb | 8.09 Arb | 12.46 Arb | 17.01 Arb |
| Revenue | 5.33 Arb | 10.07 Arb | 15.30 Arb | 21.01 Arb | 5.27 Arb | 10.63 Arb | 16.23 Arb | 22.33 Arb |
| Non-performing loans | 4.24% | 4.93% | 4.96% | 4.27% | 431.00% | 4.25% | 4.37% | 4.20% |