Nepal Investment Mega Bank Limited · Quarterly report
NIMB Q4 Financial Report — FY 2082/83
Nepal Investment Mega Bank Limited (NIMB) posted a year-to-date net profit of Rs 2.75 Arb at the end of Q4 FY 2082/83, down 59.3% from Rs 6.76 Arb a year earlier. Annualised EPS is Rs 8.05 against Rs 19.80 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 | 34.13 Arb | 34.13 Arb | +0.0% |
| Share Premium | 0 | 0 | — |
| Retained Earnings | -5,087,553,000 | 49.14 Cr | -1135.4% |
| Reserves | 38.43 Arb | 32.74 Arb | +17.4% |
| Total Equity | 67.47 Arb | 67.36 Arb | +0.2% |
| Total Assets | 613.34 Arb | 565.66 Arb | +8.4% |
| Deposits from Customers | 526.63 Arb | 472.35 Arb | +11.5% |
| Borrowings | 0 | 2.74 Arb | -100.0% |
| Loans and Advances to BFIs | 16.21 Arb | 15.36 Arb | +5.6% |
| Loans and Advances to Customers | 321.34 Arb | 326.93 Arb | -1.7% |
| Investment Securities | 160.79 Arb | 138.56 Arb | +16.0% |
| Interest Income | 31.45 Arb | 36.10 Arb | -12.9% |
| Net Interest Income | 12.99 Arb | 14.13 Arb | -8.1% |
| Total Operating Income | 17.00 Arb | 17.64 Arb | -3.6% |
| Operating Profit | 4.34 Arb | 10.14 Arb | -57.2% |
| Net Profit | 2.75 Arb | 6.76 Arb | -59.3% |
| Distributable Profit | -5,087,553,000 | 49.14 Cr | -1135.4% |
| Number of Shares | 34.13 Cr | 34.13 Cr | +0.0% |
| EPS Reported | 8.05 | 19.80 | -59.3% |
| Book Value Reported | 197.71 | 197.38 | +0.2% |
| ROE Reported | 4.07% | 10.60% | -6.53 pp |
| CAR | 12.27% | 13.73% | -1.46 pp |
| NPL | 8.66% | 5.85% | +2.81 pp |
| Cost of funds | 3.18K | 4.25K | -25.2% |
| Credit To Deposit Ratio | 68.17% | 74.44% | -6.27 pp |
| Base Rate | 4.64% | 5.78% | -1.14 pp |
| Interest Spread Rate | 3.15% | 3.01% | +0.14 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
NIMB 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 | 1.46 Arb | 2.83 Arb | 4.54 Arb | 6.76 Arb | 4.50 Cr | 1.61 Arb | 3.15 Arb | 2.75 Arb |
| EPS | — | 16.60 | 17.74 | 19.80 | 0.53 | 9.45 | 12.29 | 8.05 |
| Net interest income | 3.88 Arb | 7.37 Arb | 10.31 Arb | 14.13 Arb | 3.24 Arb | 6.42 Arb | 9.58 Arb | 12.99 Arb |
| Revenue | 4.67 Arb | 9.01 Arb | 12.80 Arb | 17.64 Arb | 4.31 Arb | 8.58 Arb | 12.62 Arb | 17.00 Arb |
| Non-performing loans | 5.84% | 5.86% | 6.06% | 5.85% | 6.63% | 7.90% | 8.41% | 8.66% |