Nepal Credit And Commercial Bank Limited · Quarterly report
NCCB Q1 Financial Report — FY 2079/80
Nepal Credit And Commercial Bank Limited (NCCB) posted a year-to-date net profit of Rs 51.68 Cr at the end of Q1 FY 2079/80, down 0.2% from Rs 51.81 Cr a year earlier.
Q1 FY 2079/80 vs Q1 FY 2078/79
| Metric | Q1 2079/80 | Q1 2078/79 | Change |
|---|---|---|---|
| Paid Up Capital | 11.14 Arb | 10.31 Arb | +8.0% |
| Retained Earnings | 1.01 Arb | 93.28 Cr | +8.0% |
| Reserves | 4.44 Arb | 3.79 Arb | +17.2% |
| Total Equity | 16.59 Arb | 15.04 Arb | +10.3% |
| Total Assets | 157.02 Arb | 147.92 Arb | +6.1% |
| Deposits from Customers | 127.02 Arb | 115.07 Arb | +10.4% |
| Loans and Advances to BFIs | 3.97 Arb | 3.82 Arb | +3.8% |
| Loans and Advances to Customers | 113.40 Arb | 109.16 Arb | +3.9% |
| Investment Securities | 15.03 Arb | 13.99 Arb | +7.4% |
| Interest Income | 4.11 Arb | 2.67 Arb | +53.8% |
| Net Interest Income | 1.13 Arb | 93.68 Cr | +20.3% |
| Total Operating Income | 1.38 Arb | 1.21 Arb | +13.7% |
| Operating Profit | 71.85 Cr | 72.04 Cr | -0.3% |
| Net Profit | 51.68 Cr | 51.81 Cr | -0.2% |
| Distributable Profit | 1.01 Arb | 93.28 Cr | +8.0% |
| Number of Shares | 11.14 Cr | 10.31 Cr | +8.0% |
| EPS(Rs.) | 18.56 | 20.09 | -7.6% |
| Book Value(Rs.) | 148.94 | 145.80 | +2.2% |
| ROE | 12.46% | 13.78% | -1.32 pp |
| CAR | 12.00% | 12.51% | -0.51 pp |
| NPL | 2.46% | 1.48% | +0.98 pp |
| Cost of funds | 8.61K | 6.13K | +40.5% |
| Credit To Deposit Ratio | 87.44% | 89.96% | -2.52 pp |
| Base Rate | 10.95% | 8.12% | +2.83 pp |
| Interest Spread Rate | 3.85% | 3.33% | +0.52 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
NCCB 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 | — | — | 51.81 Cr | 90.05 Cr | 1.49 Arb | 2.02 Arb | 51.68 Cr |
| Net interest income | — | — | 93.68 Cr | 1.70 Arb | 6.25 Arb | 4.16 Arb | 1.13 Arb |
| Revenue | — | — | 1.21 Arb | 2.22 Arb | 3.65 Arb | 5.58 Arb | 1.38 Arb |
| Non-performing loans | — | — | 1.48% | 1.33% | 1.52% | 1.93% | 2.46% |
| Return on equity | — | — | 13.78% | 11.68% | 12.45% | 12.28% | 12.46% |