A Comparative Analysis of Commercial Banks

8/11/2019 A Comparative Analysis of Commercial Banks

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A Comparative Analysis of Commercial Banks

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3rd Quarterly Financial High-

lights of 2070/71 scal year


During the review period, Mach-

hapuchchhre Bank Limited was

able to increase its net prot by

223.41 percent whereas Kist Bank

Limited in this category, too, was

the worst performer as its prot

dropped by 288.37 percent. In the

table above we can see that, thetop net prot earning banks do not

gure, which suggests that these

banks capacity of earning prot

is at a saturation point and their

growth rate is more or less static.

Operating Prot Before

Provision:

The real strength of any nancial in-

stitutions is shown by its prot g-ure before any provision and write

back. So any nancial institutions

revenue making efciency is mea-

sured by its operating prot before

provision.This prot shows the real

revenue generating capacity of the

banks through its core business.

During the review period, total

operating prot before provision

of the commercial banks grew by

8.92 percent to NPR 25.23 billion

as compared to the corresponding

third quarter of previous nancial

year, which is not a satisfactory

growth. It is obvious that growth

in operating prot leads to growth

in net prot too, but the gap be-

tween net prot and operating

prot before provision during this

quarter is lesser compared to thecorresponding quarter. The reason

behind it is the income from recov-

ery of bad loan , provision amount

and other non-operating activities.

NABIL Bank Limited has the

highest operating prot before pro-

vision among all the banks during

the review period i.e. NPR 2.84 bil-

lion, which is 15.74 percent of thetotal operating prot before provi-

sion. In terms of growth, Century

Commercial Bank Limited had the

highest growth rate of 76.09 per-

cent, which shows that this bank

is slowly recovering from the

trouble it had in the past. On the

other hand, troublesome Kist Bank

Limited posted the lowest growth

in operating prot before provision

of minus 40.78 percent.

(Figure in 000)Banks Operatng

Prot Be-

fore Provi-

sion (Rs.)

Market

Share

Rank

NABIL 2,846,533 15.74% 1

NIBL 2,312,627 12.79% 2

EBL 1,768,033 9.78% 3

ADBL 1,623,813 8.98% 4

SCB 1,549,120 8.57% 5

Figure: Operating Prot Before Provi-

sion of Top Five Commercial Banks

(In %)

Banks Change in

Oerating

Prot (In-

crease)

Banks Change

in Oerat-

ing Prot

(De-

crease)

CEN-

TURY

76.09 LBL -10.13

NICA 63.49 BOK -10.16

NBB 47.58 NCC -23.19

SANI-MA

46.89 JBNL -32.89

RBB 42.66 KIST -40.78

Figure: Change in Operating Prot

Before Provision of Top Five Commer-

cial Banks

Deposits:

Deposit is one of the main sources

of fund available for commercial

banks to mobilize for different pur-

poses to make prot. Higher the

deposit utilization higher the prot

making chances. So every bank has

their own strategy to attract deposit

from government, public and pri-

vate institutions as well as general

public. The deposit of commercial

banks as of the third quarter of the

current scal year has increased

by 23.68 percent compared to thecorresponding third quarter of the

previous scal year.

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This signals that there is excess

liquidity in the market which has

helped to increase the overall de-

posit of all commercial banks by

good margin. Due to excess liquid-

ity all the banks have lowered their

interest rate on deposit and loans.

As in the pervious quarter, this

time too the banks are focusing on

increasing the lending.

The overall deposit of the banking

sector is NPR 1131.83 billion at

the end of the third quarter.

This quarter also Rastriya Bani-

jaya Bank had the largest amount

of deposits among all the com-

mercial banks. A larger portion ofgovernment deposit are attracted

by this bank whereas Nabil Bank

Limited lead the race, excluding

state-run banks. Century Commer-

ical Bank and NICA Bank Lim-

ited top the list in terms of growth

percentage i.e 78.57 percnet and

73.66 percent respectively. Kist

Bank Limited was again the poor-

est performer as its deposit gure

dropped by 6.38 percent.

Figure in 000)

Banks Total De-

posits (Rs.)

Market

Share

Rank

RBB 99,548,115 8.80% 1

NABIL 73,842,291 6.52% 2

NIBL 71,321,546 6.30% 3

ADBL 66,347,811 5.86% 4

NBL 65,901,540 5.82% 5

Figure: Total Deposits of Top FiveCommercial Banks

((In %)

Banks Change in

Deposit

(Increase)

Banks Changein

Deposit

(De-

crease)

CETURY 78.57 GRAND 15.32

NICA 73.66 KBL 14.63

GBIME

62.85 SCB 12.27NBB 59.94 SBI -4.16

CBL 59.77 KIST -6.38

Figure: Change in Deposits of Top Five

Commercial Banks

Loans and Advances:

One of the main sources for rev-

enue of commercial banks is to

mobilize their funds(deposit) in

loans and advances and make in-

vestment. So they make differ-

ent strategies to increase their

loan portfolio. In this quarter dueto excess liquidity in the banking

sector, they are maily focused on

increasing their loan and advances

rather than focusing on increasing

their deposit. In this context, they

have increased their loans and ad-

vances by 20.86 percent which is

less than the increment in deposit.

This gure signals that banks are

nding very much difcult to in-crease theirs loans and advances.

Banks have managed to increase

their loan and advance amount to

NPR 850.89 billion in this quarter.

Agricultural Development Bank

has the highest gure of loan and

advances among all banks i.e. Rs.

54.50 billion. While, NICA and

Century Commercial banks, interms of loan and advance growth

too, had better gures than the re-

maining banks. The growth rate of

these two banks were 76.91 per-

cent and 75 percent respectively.

(Figure in 000)

Banks Total Loan

& Advanc-

es (Rs.)

Market

Share

Rank

ADBL 54,504,754 6.41% 1

NIBL 53,567,230 6.30% 2

NABIL 53,512,561 6.29% 3

RBB 53,495,112 6.29% 4

EBL 50,643,091 5.95% 5

Figure: Total Loans & Advances of Top

Five Commercial Banks

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(In %)

Banks Change in

Loan and

Advances

(Increase)

Banks Change In

Loan and

Advances

(Decrease)

NICA 76.91 KBL 13.00

CEN-

TURY

75.00 GRAND 10.00

GBIME 65.76 NBL 9.66

CBL 47.49 NCC 7.79

NBB 37.39 KIST -15.24

Figure: Change in Loan and Advances

of Top Five Commercial Banks

Investment:

Rastriya Banijaya Bank Lim-

ited had the highest investment

i.e. NPR 42.09 billion. Basically

these investments were made on

risk-free assets like treasury bills,

governmentt bonds, foreign bonds,

and equity share.

( In Rs )

Banks Investmemt (Rs.)

RBB 42,091,264

NABIL 22,967,001

NBL 19,764,002

ADBL 18,681,399

HBL 17,971,768

Figure: Total Investment of Top Five

Commercial Bank.

As per the Nepal Rastra Bank di-

rectives, out of the 30 commer-

cial banks in the country, none of

them have maintained higher real

estate loan exposure i.e. above 25

percent. But among the existing

commercial banks, Grand Bank

still has the highest percentage ofloan exposure in the real estate i.e.

18.46 percent whereas as in the

previous quarter Agriculture De-

velopment Bank had the lowest

i.e. 0.96 percent. This shows that

all banks have maintained as per

directives of NRB. Compared to

previous quarters, banks have re-

ally decreased their portion on real

estate loan which has decreased

the risk on real estate sector.

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With the real estate sector in the

downhill, the commercial banks

have diminished their exposure in

the realty sector as average expo-

sure has decreased to 7.06 percent

compared to 8.95 percent in the

corresponding quarter. But there

have been 27.18 percent growth in

long-term loans during the review

period which signals that more of

such loans were given to hydro-

power, industrial and other manu-

facturing projects and service sec-

tors. However, it is too be noted

that the banking industrys expo-

sure in long-term loan despite sigi-

nifant growth still ranges between

14 - 15 percent, which is similar to

the corresponding quarter.(In %)

Banks Change

in Real

Estate

Loan

(High)

Banks Netinterest

Spread

(Low)

GRAND 18.46 SBI 4.26

PCBL 15.46 BOK 3.70

SBL 13.15 CEN-

TURY

3.59

CZBIL 11.91 MEGA 2.40

LUBL 11.71 ADBL 0.96

Figure: Investment in Real Estate

Loan/Total Provision of Top and Least


Cost of Fund, Net Interest

Spread and Net Interest In-

come:

With the ease of liquidity situa-

tion in the banking sector since lastyear, the banks have lowered their

interest rate in deposits because of

which the cost of fund dropped by

11.39 percent this quarter. The av-

erage cost of fund gure tallied to

only 5.33 percent this quarter com-

pared to the corresponding quar-

ters gure of 6.02 percent.

The slash in loan interest by com-mercial banks to meet the NRBs

requirement is attributed to the

decline in net interest spread. The

average net interest spread of the


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(In %)

Banks Net

interest

Spread

(High)

Banks Netinterest

Spread

(Low)

ADBL 7.85 LUBL 4.34

SCB 7.38 CEN-

TURY

4.25

NABIL 7.15 SBL 4.17

SRBL 6.81 CBL 4.10

EBL 6.54 NCC 3.21

Figure: Net Interest Spread of Top


During the review period, Agricul-

tural Development Bank had the

highest net interest spread of 7.85

percent whereas NCC Bank had

the lowest i.e. 3.21 percent. Simi-

larly, NICA had the highest changein net interest income with 71.72

percent whereas Kists net interest

income declined by 24.08 percent.

(In %)

Banks Change

in Net

Interest

(Increase)

Banks Change

in Net

Interest

(Decrease)

NICA 71.72 NIBL -4.47

NBB 29.66 NCC -10.09

CEN-

TURY

28.32 LBL -15.01

SANI-

MA

24.41 KBL -15.35

GBIME 23.45 KIST -24.08

Figure: Change in Net Interest Income

of Top and Least Five Commercial

Banks

Loan Loss Provision, Write

Back and Net Write Back:

As per the central bank directives,

1 percent provision of each and

every loan disburse by all com-

mericial banks is mandatory and

further increment in the provision

percent depends upon the state of

the loan. The overall provision for

possible losses stood at NPR. 7.15

billion which has increased by

3.16 percent compared to the pre-vious third quarter. Growth rate of

provison as compared to the pre-

vious quarter is negligible but still

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banking industry in this quarter de-

creased to 5.55 percent.

Contrary to the previous scenario

,where banks had decreased depos-

it rate but maintained higher loan

rate, the banks have decreased

interes rate in loan also which hasdecreased the net interest spread

signicantly compared to the cost

of fund. This outcome has limited

the interest income growth in this

quarter.

During the review period, Net In-

terest Income of the banking indus-

try made a modest growth of only

7.72 percent compared to 41.36

percent gure of third quarter of

2069/70. Overall Net Interest In-

come stood at NPR 32.76 billion.

(In %)

Banks Cost of

Fund

(Low)

Banks Cost ofFund

(High)

CBL 7.87 SBI 4.09

GRAND 7.24 EBL 3.59

SANIMA 6.57 NABIL 3.45JBNL 6.50 RBB 3.04

CEN-

TURY

6.49 SCB 1.78

Figure: Cost of Fund of Top and Least


The old banks of Nepal, which

were less affected by the liquidity

crunch in the previous scal year,

still maintained high positions in

operating with less cost of funds.Standard Chartered Bank had the

lowest cost of funds among all the

commercial banks i.e. 1.78 per-

cent, and Civil Bank had the high-

est cost of fund with 7.87 percent.

This suggests that newer banks

have higher cost of fund whereas

the old ones have lower cost of

fund due to their strong position in

the market since long time.


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the the provision amount is huge.

(Figure in 000)

Banks Total

Provision

(Rs.) (In-

crease)

Banks TotalProvision

(Rs.) (De-

crease)

ADBL 950,761 NMB 84,219

KIST 662,994 EBL 80,660NABIL 563,665 SBI 73,882

RBB 410,161 MEGA 62,896

NIBL 393,243 SANI-MA

36,613

Figure: Total Provision of Top Five Com-

mercial Banks

This quarter the write-back

amount stood at NPR 3.38 billion

which increased by 16.43 percent

compared to the third quarter ofthe last scal year. The write back

from possible losses gure is sat-

isfactory which suggest that banks

are able to recover bad loans. The

total gure of write back is higher

than that of total provision which

is good sign for coming days.

During this quarter, Agricultural

Development Bank provisioned

Rs.950.76 million which is the

highest among all commercial

banks. Similarly, ADBL was able

to write back Rs.451 million dur-

ing review period.( Figure in 000 )

Banks Write back (Rs.)

ADBL 451,009

RBB 433,957

GBIME 341,234

NABIL 280,458NIBL 259,267

Figure: Total Write Back from Possible

Losses of Top Five Commercial Banks

The net write back of overall bank-

ing industry in the review period is

negative NPR 3.77 billion which is

6.40 percent more that of previous

year. This negative gure suggests

that write back amount is less than

that of loan loss provision duringthis review period which means

that NPR 2.57 billion on net basis

was provisioned for possible losses

after deducting write back amount

of overall banking industry.

Non Performing Loan (NPA):

During the review period, the av-

erage non-performing loan of the

commercial banks was higher than

the corresponding quarter. Average

non-performing loan increased by

20.21 percent to 3.13 percent this

quarter from 2.60 percent of the

last third quarter. This is really a

worrying sign for the banking in-

dustry. The gure suggests that the

riskiness of overall loan portfolio

of banks is increasing which will

automatically deteriorate the envi-

ronment for the banking industry .

Out of 30 commercial banks, only

three banks NPA remained above5 percent which is regarded risky,

according to the NRB directives.

Only two government banks, Ne-

pal Bank and ADBL, have more

than 5 percent, which suggests that

these banks loan portfolio is still

in a risky state. For the rst time

RBBs NPA is below 5 percent.

Kist has the highest NPA among

all commercial banks, with worstperformance this quarter.

(In %)

Banks NPA

(Most)

Banks NPA(Least)

KIST 23.72 CEN-

TURY

0.67

ADBL 6.43 EBL 0.62

NBL 5.33 SCB 0.52

RBB 4.77 SBI 0.35

GRAND 4.55 SANI-

MA

0.05

Figure: NPA of Top Five Commercial

Banks

Credit Deposit (CD) Ratio:

The commercial banks are sup-

posed to maintain up to 80 percent

CD ratio as per the NRB direc-

tives. All the commercial banks

CD ratio is below 80 percent. Thisis mainly due to increasing liquid-

ity in the banking system, which

results in higher deposit. Subse-

quently they are unable to increase

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add a minimum premium on the

base rate depending on the qual-

ity of collateral, and the risk of the

loan and the borrower. Banks may

not add any premium if a borrower

has safe collateral like government

bonds and if it is for priority sec-

tors identied by the government.

Price to Earnings Ratio,

Price to Book Ratio and Net

worth:

P/E ratio signals the investors will-

ingness to pay for the companys

earnings. The higher the P/E the

more the market is willing to pay

for the companys earnings. The

investors take the P/E ratio as atool for the valuation of compa-

nys stock price. As per the indus-

try, P/E ratio can varies and inves-

tors exactly cant say how much

P/E ratio is ideal. If the P/E ratio

stands around 10-15 then it is re-

garded as correctly values as per

international standard; above it, it

is taken as overpriced and under it,

it is taken as underpriced. The P/Eratio also indicates the market has

high hopes for this stocks future

and has bid up the price. The over-

all average P/E ratio of the banking

industry was 22.99 times compared

to 17.46 times of the correspond-

ing quarter. Compared to the corre-

sponding quarter, investor are now

very much hopeful about the stock

market and they are paying high

price for the same companies. Out

of the 30 commercial banks, 14

companies P/E ratios were above

the average level and most of the

commercial banks P/E ratio is on

a higher range. With the high hope

of political stability and positive

economic indicator as well as in-

crease in the prot of banks in this

quarter has motivated investors to

pay higher price for the scrips ofthe commercials banks.

Base Rate:(In %)

Banks Base

Rate

(Low)

Banks Base

Rate(High)

ADBL 12.16 NIBL 6.89

CBL 10.14 EBL 6.39

CEN-

TURY

9.88 RBB 5.95

GRAND 9.83 NABIL 5.80

KIST 9.80 SCB 5.24

Figure: : Base Rate of Least Five and

Top Five Commercial Banks

Looking at the base rate of the

banks, Standard Chartered Bank

Nepal shall be the bank to get the

cheapest loan from as its base rate

is the lowest among all commercial

banks whereas Agricultural Devel-

opment Bank may be the most ex-

pensive one, according to the base

rate data of all commercial banks

of Nepal.

SCBs base rate stood at 5.24 per-

cent, followed by NABIL with

5.80 percent, whereas Agricultural

Development Bank base rate stood

at 12.16 percent. Eight banks havea base rate lower than 8 percent,

whereas fourteen banks are in be-

tween 8 to 9 per cent, six banks be-

tween 9 to 10 per cent, and the rest

above 10 per cent.

The base rate came into effect

from mid-January, 2013. The base

rate alone may not be enough for a

bank to provide cheap loans. Butthe base rate gives an idea of the

minimum interest rate that bank

could charge on lending. Banks

cannot extend loans to borrow-

ers below the base rate now, as it

is expected to make credit pricing

more transparent. The central bank

has now made it mandatory for all

the commercial banks to x lend-

ing rates based on the base rate that

will set the oor for credit rates

and give borrowers a basic idea

on how cheap they can get credit

from banks. However, banks can

(Note: the stock price of 13th April

2014 was taken to calculate the

P/E ratio of commercial banks ).

Price-to-book ratio is another tool

which is used for the valuation of

securities. It is just a ratio of the

market price of a companys shares

over its book value of stock. Nepal

Bank had the highest P/B ratio of

24.58 times whereas Agricultural

Development Bank had the low-

est P/B ratio of 1.87 times. This

suggests that ADBL stock price is

highly underpriced.

Networth is the sum of sharehold-

ers capital plus reserve and suplus

divided by number of outstandingshare of any companies. Higher

the networth higher is the nan-

cial soundness of company. Ever-

est Bank has the highest networth

among all commercial banks i.e.

Rs.321.38. followed by Stan-

dard Chartered Bank Limited i.e.

Rs.274.50.(In Times)

Banks PE

Ratio

(Most)

Banks PE Ratio(Least)

JBNL 94.31 NICA 20.32

GRAND 45.73 NMB 19.81

SBI 29.16 NIBL 19.24

SCB 27.85 GBIME 18.25

MBL 27.78 KIST -19.38

Figure: P/E ratio of Top Five Commer-

cial Banks

(In Times)

Banks P/B ratio(Most)

Banks P/BRatio

(Least)

NBL 24.58 NCC 2.53

NABIL 7.28 GRAND 2.41

EBL 6.88 KBL 2.36

SCB 6.62 LUBL 2.09

SBI 5.88 ADBL 1.87

Figure: P/B ratio of Top Five Commer-

cial Banks

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( In Rs )

Banks NET WORTH

EBL 321.38

SCB 274.50

NABIL 274.17

ADBL 259.28

NICA 216.97

Figure: Net worth of Top Five Com-mercial Banks

Conclusion:

As the scal year draws to an end,

the commercial banks are slashing

their interest rate so as to meet the

central banks requirement. The

impact of this action is clearly vis-

ible in this quarters nancial state-

ment as the banking industry hasposted only growth of 13.52 per-

cent.

It is to be noted that the Bankers

Association has raised objection

over the central banks require-

ment. Regarding this issue the

NRB has time and again stated that

it will not roll back the decision but

has hinted of making this require-ment exible as per banking needs.

So, if NRB becomes exible in this

regard, we can again expect better

growth and resource utilization in

this sector.

Futher, it also should be noted that

the presences of nancial institu-

tions are high in numbers which

has triggered a very stiff competi-

tion among the BFIs . Despite this

unfavorable and crowded scenario,

the posted prot by banking indus-

try still is a healthy growth.

Having said that, the large pool

of BFIs in the market is creating

unhealthy practices and increas-

ing defaulters in banks which are a

troubling sign for the protability

of banks in the long run.

However in the current scenario,

the banks have more funds to in-

vest in sectors that yield higher

10

returns. The lack of political har-

mony has kept the business com-

munities in wait and watch mood

for business expansion, which

has been the main obstacles in

loan oatation for banks.

Further, as the country is in the

process of drafting a new consti-

tution, the business fraternities

are closely watching how the fed-

eralism system will evolve. This

is surely going to have direct im-

pact on the expansion strategies

of the business houses, which

again will affect the loan expan-

sion strategy of the banking sec-

tor.

Other worrying factors for the

banking industry are the sluggish

economic condition, widening

trade decit, high ination rate,

unfavorable business environ-

ment, lack of implementation and

smooth transition in big projects,

delay in the decision making pro-

cess that are not only creating ob-

stacles in businesses expansionbut also narrowing the invest-

ment opportunity.

In spite of all these, the central

bank has been very helpful to

guide the banking sector of Nepal

to cope with heightening compe-

tition among the existing banking

institutions in the small market

place like Nepal. NRB has pro-

moted merger of BFIs with an

aim to create a positive impact

in the long term for the banking

industry. And now the NRB has

also come up with acquisition

policy to further facilitate the

banking sector.

Following the successful merger

of banking and nancial institu-

tions one after another, a positiveoutlook in the banking environ-

ment has been created which has

energize more banks to merge

and become strong entities rather

than being a sh in a pond. In addi-

tion, the start of acuquistion prac-

tice will help make the banking

sector more strong and productive

in upcoming days.


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Annex

3rd Quarterly Financial Highlights of 2070/71 scal year(Figure in 000)

Particulars 3rd Quarter

2070/71

3rd Quarter

2069/70

Difference (In

gure)

%

Change

Total Net Prot (In Rs.) 14,514,807.57 12,785,818.35 1,728,989.22 13.52%

Total Operating Prot Before Provision (In Rs.) 25,237,577.84 23,170,962.83 2,066,615.01 8.92%

Total Net Interest Income (In Rs.) 32,768,627.36 30,420,943.48 2,347,683.88 7.72%

Total Deposits (In Rs.) 1,131,832,450.11 915,104,897.06 216,727,553.05 23.68%

Total Loans and Advances (In Rs.) 850,895,558.16 704,061,531.11 146,834,027.05 20.86%

Total Investment (In Rs.) 233,706,116.15 192,861,832.81 40,844,283.34 21.18%

Total Provision (In Rs.) 7,152,287.35 6,933,102.45 219,184.90 3.16%

Write back from possible losses (In Rs.) 3,380,745.69 2,903,656.58 477,089.11 16.43%

Net Write back (In Rs.) -3,771,541.66 -4,029,445.87 257,904.21 -6.40%

Average CD ratio 71.68% 76.04% -4.36% -5.73%

Average Non Performing Loan 3.13% 2.60% 0.53% 20.21%

Average Cost of Fund 5.33% 6.02% -0.69% -11.39%

Average Net Interest Spread 5.55% - - -

Annualized Average Earning Per Share (EPS) (In Rs.) 24.57 22.75 1.82 8.01%

Annualized Average Return on Equity (ROE) 17.09% 14.33% 2.76% 19.23%

Annualized Average Return on Asset (ROA) 1.32% 1.42% -0.10% -7.07%

Annualized Average Price-to-Earning (P/E ratio in

Times)

22.99 17.46 5.53 31.65%

Average Price to Book Ratio (P/B ratio in Times) 3.98 2.54 1.43 56.37%

Average Net worth (In Rs.) 158.80 147.78 11.02 7.45%

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Annexure

Paid up capital

(Figure in Rs 000)

ADBL 9,636,800

RBB 8,588,972

NIBL 4,146,708

GBIME 4,106,858

NBL 3,965,524

NABIL 3,047,168

HBL 2,898,000

SBI 2,650,206

PCBL 2,638,700

MBL 2,478,795

MEGA 2,330,000

NICA 2,311,552

SANIMA 2,217,600NBB 2,210,335

CZBIL 2,101,840

JBNL 2,060,000

SCB 2,041,672

SRBL 2,015,000

CBL 2,000,000

CENTURY 2,000,000

GRAND 2,000,000

KIST 2,000,000

NMB 2,000,000

EBL 1,921,239

BOK 1,920,212

SBL 1,813,554

LUBL 1,729,728

LBL 1,694,081

KBL 1,603,800

NCC 1,470,000

Reserve

(Figure in Rs 000)

ADBL 5,386,625

NABIL 5,307,300

NIBL 4,268,298

EBL 3,987,554

SCB 3,562,775

HBL 3,194,561

NICA 2,703,935

GBIME 1,938,936

SBI 1,823,465

NBB 1,764,837

BOK 1,739,430

LBL 1,260,170

KBL 1,258,353SBL 1,049,024

NCC 981,708

PCBL 874,895

NMB 745,552

SRBL 708,882

MBL 639,284

LUBL 591,977

CZBIL 581,941

SANIMA 527,254

MEGA 380,096

GRAND 268,638

CENTURY 201,343

CBL 114,010

JBNL 108,472

KIST -774,704

NBL -3,450,834

RBB -6,060,829

Deposit

(Figure in Rs 000)

RBB 99,548,115

NABIL 73,842,291

NIBL 71,321,546

ADBL 66,347,811

NBL 65,901,540

HBL 62,917,185

EBL 62,764,384

SBI 51,436,871

GBIME 49,399,403

SCB 42,950,161

NICA 40,569,953

MBL 33,810,995

SBL 32,470,784PCBL 30,154,468

BOK 29,679,750

LBL 29,558,872

KBL 27,424,123

SRBL 26,093,309

CZBIL 25,044,217

NMB 23,954,389

NBB 23,524,437

NCC 22,067,445

SANIMA 20,360,891

KIST 19,679,761

GRAND 19,007,355

CBL 18,432,113

MEGA 17,050,084

CENTURY 16,706,091

JBNL 16,412,917

LUBL 13,401,189

Loan and Advances

(Figure in Rs 000)

ADBL 54,504,754

NIBL 53,567,230

NABIL 53,512,561

RBB 53,495,112

EBL 50,643,091

HBL 45,715,752

GBIME 41,284,747

NBL 38,607,723

SBI 33,592,705

NICA 33,292,199

MBL 27,535,063

SCB 27,016,222

BOK 26,105,304PCBL 25,388,069

SBL 25,318,985

LBL 22,982,129

KBL 22,331,274

CZBIL 21,770,482

SRBL 20,132,179

NMB 19,603,617

SANIMA 18,251,411

NBB 17,605,929

NCC 17,155,403

CBL 15,539,244

GRAND 15,439,198

MEGA 15,259,938

KIST 14,519,935

CENTURY 14,375,293

JBNL 14,345,079

LUBL 12,004,930

12


14/15


Net Write Back

(Figure in Rs 000)

NBL 67,625

GBIME 577,56

RBB 23,796

SBI -7,678

NMB -20,090

SCB -34,938

SANIMA -35,394

MBL -40,547

LUBL -44,280

NBB -55,249

MEGA -58,832

PCBL -61,044

BOK -72,566EBL -74,784

CENTURY -94,904

JBNL -103,809

NCC -118,192

LBL -119,245

CBL -127,738

NICA -130,183

NIBL -133,976

SRBL -137,216

GRAND -138,989

KBL -204,331

SBL -237,667

CZBIL -238,153

NABIL -283,207

HBL -298,924

ADBL -499,752

KIST -549,030

Net Prot

(Figure in Rs 000)

NABIL 1,646,716

NIBL 1,391,624

RBB 1,255,654

EBL 1,080,947

SCB 999,453

ADBL 800,512

HBL 792,852

GBIME 727,373

SBI 674,714

NICA 627,312

PCBL 423,708

NBB 401,756

NBL 384,039SBL 363,075

BOK 355,000

SANIMA 320,823

MBL 317,932

NMB 312,468

CZBIL 304,056

SRBL 272,736

MEGA 257,992

LBL 233,565

KBL 192,390

NCC 172,092

LUBL 145,405

GRAND 89,476

CBL 75,850

CENTURY 62,667

JBNL 46,261

KIST -213,640

Net Worth

(Figure in Rs )

EBL 321.38

SCB 274.50

NABIL 274.17

ADBL 259.28

NICA 216.97

HBL 210.23

NIBL 202.93

BOK 190.59

NBB 179.84

KBL 178.46

LBL 174.39

SBI 168.32

NCC 166.78SBL 158.03

GBIME 147.16

NMB 136.24

SRBL 134.96

LUBL 134.22

PCBL 133.16

CZBIL 127.69

MBL 125.79

SANIMA 123.78

MEGA 116.31

GRAND 113.43

CENTURY 110.07

CBL 105.70

JBNL 105.27

RBB 100.00

KIST 61.26

NBL 12.98

CD Ratio

(Figure in %)

CBL 79.09

SANIMA 78.96

MEGA 78.87

EBL 78.84

CZBIL 77.63

PCBL 77.43

BOK 77.36

KBL 77.10

LUBL 76.94

NICA 76.72

JBNL 76.71

GBIME 76.53

CENTURY 76.49SBI 76.40

LBL 75.59

SRBL 75.51

NMB 75.43

SBL 75.28

NABIL 75.22

MBL 74.75

NIBL 74.62

SCB 74.10

GRAND 73.53

NCC 71.94

ADBL 70.69

HBL 70.56

KIST 70.07

NBB 67.42

NBL 58.36

RBB 52.60

13


15/15


ROE

(Figure in %)

NBL 99.49

EBL 30.61

RBB 29.24

NABIL 28.28

SCB 23.78

SBI 22.64

NIBL 22.23

MBL 20.29

HBL 18.57

PCBL 17.48

SBL 16.92

NICA 16.68

SANIMA 15.68NMB 15.36

CZBIL 15.11

MEGA 14.12

GBIME 13.79

BOK 13.47

NBB 13.44

SRBL 13.37

KBL 11.57

LUBL 11.21

NCC 10.96

LBL 10.71

ADBL 8.21

GRAND 5.26

CBL 4.78

CENTURY 3.91

JBNL 2.86

KIST -17.44

P/E Ratio

(Figure in Times)

JBNL 94.31

GRAND 45.73

SBI 29.16

SCB 27.85

MBL 27.78

EBL 27.62

NABIL 27.43

MEGA 27.19

LBL 25.30

NBB 25.04

LUBL 24.98

NBL 24.71

SANIMA 24.06NCC 23.11

ADBL 22.78

HBL 22.72

SRBL 22.60

CZBIL 22.50

BOK 22.31

PCBL 21.63

KBL 21.30

SBL 21.20

NICA 20.32

NMB 19.81

NIBL 19.24

GBIME 18.25

KIST -19.38

CENTURY -

RBB -

CBL -

ROA

(Figure in %)

NABIL 2.76

SCB 2.67

NIBL 2.21

RBB 2.11

EBL 2.08

NBB 1.86

MEGA 1.81

NICA 1.80

SANIMA 1.73

PCBL 1.69

GBIME 1.65

HBL 1.55

NMB 1.53SBI 1.46

CZBIL 1.36

BOK 1.35

SBL 1.28

SRBL 1.23

LUBL 1.17

MBL 1.10

KBL 1.04

NCC 1.01

LBL 0.94

ADBL 0.73

NBL 0.64

GRAND 0.50

CBL 0.49

CENTURY 0.43

JBNL 0.32

KIST -0.91

Disclaimer:

The views expressed on this document are a general guide to the views of Share Sansar. Use or

distribution of this document by any other person is prohibited. Copying any part of these

materials without the written permission of Share Sansar is prohibited. Care has been taken to

ensure the accuracy of content but no responsibility is accepted for any errors or omissions

herein. The information and opinions in these materials have been complied or arrivedat based uponinformation obtained from sources believed to be reliable and in good faith. Share Sansar accepts no

liability for any damages or any loss or damages of any kind arising from any use of the information herein.

BASE RATE

(Figure in %)

SCB 5.24

NABIL 5.80

RBB 5.95

EBL 6.39

NIBL 6.89

MEGA 7.34

NBL 7.39

HBL 7.78

SBI 8.02

NICA 8.03

BOK 8.17

GBIME 8.21

CZBIL 8.22NMB 8.33

SANIMA 8.40

NBB 8.50

KBL 8.50

MBL 8.57

LUBL 8.71

SRBL 8.72

JBNL 8.79

SBL 9.00

PCBL 9.05

LBL 9.41

NCC 9.69

KIST 9.80

GRAND 9.83

CENTURY 9.88

CBL 10.14

ADBL 12.16

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A Comparative Analysis of Commercial Banks

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