Nepal Bank Limited · Quarterly report
NBL Q4 Financial Report — FY 2082/83
Nepal Bank Limited (NBL) posted a year-to-date net profit of Rs 4.50 Arb at the end of Q4 FY 2082/83, up 19.3% from Rs 3.77 Arb a year earlier. Annualised EPS is Rs 30.63 against Rs 25.68 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 | 14.69 Arb | 14.69 Arb | +0.0% |
| Share Premium | 0 | 0 | — |
| Retained Earnings | 2.33 Arb | -449,089,960 | +618.4% |
| Reserves | 25.25 Arb | 23.93 Arb | +5.5% |
| Total Equity | 42.27 Arb | 38.18 Arb | +10.7% |
| Total Assets | 484.45 Arb | 399.32 Arb | +21.3% |
| Deposits from Customers | 415.18 Arb | 332.02 Arb | +25.0% |
| Borrowings | 0 | 0 | — |
| Loans and Advances to BFIs | 11.87 Arb | 7.18 Arb | +65.3% |
| Loans and Advances to Customers | 243.59 Arb | 221.70 Arb | +9.9% |
| Investment Securities | 80.91 Arb | 62.11 Arb | +30.3% |
| Interest Income | 21.95 Arb | 23.07 Arb | -4.8% |
| Net Interest Income | 10.03 Arb | 10.09 Arb | -0.5% |
| Total Operating Income | 12.09 Arb | 11.94 Arb | +1.2% |
| Operating Profit | 7.19 Arb | 5.42 Arb | +32.8% |
| Net Profit | 4.50 Arb | 3.77 Arb | +19.3% |
| Distributable Profit | 2.33 Arb | -449,089,960 | +618.4% |
| Number of Shares | 14.69 Cr | 14.69 Cr | +0.0% |
| EPS Reported | 30.63 | 25.68 | +19.3% |
| Book Value Reported | 287.70 | 259.81 | +10.7% |
| ROE Reported | 10.65% | 10.22% | +0.43 pp |
| CAR | 13.66% | 13.06% | +0.60 pp |
| NPL | 4.18% | 4.47% | -0.29 pp |
| Cost of funds | 2.92K | 3.74K | -21.9% |
| Credit To Deposit Ratio | 62.85% | 70.72% | -7.87 pp |
| Base Rate | 4.45% | 5.58% | -1.13 pp |
| Interest Spread Rate | 3.54% | 3.90% | -0.36 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
NBL 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 | 60.22 Cr | 46.10 Cr | 2.78 Arb | 3.77 Arb | 58.83 Cr | 1.30 Arb | 2.79 Arb | 4.50 Arb |
| EPS | — | 6.27 | 25.26 | 25.68 | 16.01 | 17.76 | 25.34 | 30.63 |
| Net interest income | 2.21 Arb | 4.63 Arb | 7.10 Arb | 10.09 Arb | 2.57 Arb | 4.44 Arb | 7.31 Arb | 10.03 Arb |
| Revenue | 2.65 Arb | 5.44 Arb | 8.57 Arb | 11.94 Arb | 2.98 Arb | 5.35 Arb | 8.78 Arb | 12.09 Arb |
| Non-performing loans | 3.95% | 4.99% | 5.45% | 4.47% | 5.49% | 5.34% | 4.96% | 4.18% |