This report is based on unaudited Financial Result of 3rd Quarter as at 30/12/2068 of the fiscal year 2068/69 of all commercial banks of Nepal
A Comparative Study of Commercial Banks
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Analysis on
Commercial Banks
Q3
A Comparative Study of Commercial Banks
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Our main objective behind publishing this report is to aware general share market investors and
vested interested organization about the performance of commercial banks in 3rd quarter of
current fiscal year 2068/69.
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Major’s Highlights of Banking Industry: Figure In ‘000’
3rd Quarter 2068/69 year
3rd Quarter 2067/68 year
% Change
Total Net Profit 9,072,115.55 10,789,879.7 -15.92%
Total Operating Profit 9,227,824.32 12,701,799.52 -27.35%
Total Net Interest Income 21,920,490.27 22,497,587.72 -2.57%
Total Deposits 783,477,674.6 647,759,336.2 20.95%
Total Loans and Advances 571,956,039.5 516,893,737.9 10.65%
Total Investment 179,304,438.2 131,357,870.5 36.50%
Total Provision 6,221,737.38 4,112,686.094 51.28%
Average Non Performing Loan 2.88% 2.48% 16.52%
Average Cost of Fund 8.24% 8.14% 1.24%
Average Net Interest Spread 3.45% 3.24% 6.50%
Annualized Average Earning Per Share (EPS)
21.60 31.95 -32.38%
Annualized Average Return on Equity (ROE)
8.61% 10.87% -20.73%
Annualized Average Return on Asset (ROA)
1.03% 1.55% -33.73%
Annualized Average Price-to-Earning (P/E ratio) (Times)
21.95 15.44 42.10%
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Net Profit Net profit of commercial banks at the end of third quarter has gone down by 15.92% compared
to the same period of the previous year. The combined net profit of commercial banks was NPR
9.07 billion compared to NPR 10.78 billion in the previous year. According to the unaudited
third quarter financial results, Agricultural Development Bank Limited has the highest profit of
NPR 1145.94 million, up from 1012.09 million in the previous quarter.
Bank ADBNL NABIL SCB NIBL EBL RBB HBL NBBL BOK NSBI NIC
Net Profit
(in '000')
1,145,943 1,135,194 850,048 801,005 786,414 661,939 570,228 480,020 400,464 319,006 263,554
Market Share
(%)
12.63% 12.51% 9.37% 8.83% 8.67% 7.30% 6.29% 5.29% 4.41% 3.52% 2.91%
Bank LAXMI Nepal Bank
GLOBAL Prime Bank
SBL Grand Bank of Asia
NCCB LUMBINI Citizen Bank
KBL
Net Profit
(in '000')
250,065 188,586 172,292 171,117.6 148,251 141,153 117,350 115,297 107,899 100,438 85,963
Market Share
(%)
2.76% 2.08% 1.90% 1.89% 1.63% 1.56% 1.29% 1.27% 1.19% 1.11% 0.95%
Bank Sunrise Bank
Sanima Bank
NMB Janata Mega Civil Bank
MBL C&T Bank
Century Bank
KIST
Net Profit (in '000')
79,451 78,337 69,202 43,783 40,023 6,742 6,688 3,945 -36,206 -153,739
Market Share (%)
0.88% 0.86% 0.76% 0.48% 0.44% 0.07% 0.07% 0.04% -0.40% -1.69%
Table 1: Net Profit of Commercial Banks (Figure in ‘000’)
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During the review period, Mega Bank Limited has highest net profit growth rate i.e. 189.02
percent compared to corresponding quarter of previous year whereas Century Commercial
Bank Limited shows a dismal performance, its profit decreases by 339.37 percent.
Bank Mega NBBL Janata Grand NABIL Civil Bank
ADBNL EBL GLOBAL Sunrise Bank
SCB
Growth Rate (%)
189.02% 144.09% 83.48% 21.11% 19.64% 18.82% 13.22% 12.60% 9.22% 2.63% 1.62%
Bank NSBI NCCB LAXMI BOK HBL NIBL NIC Prime Bank MBL SBL
Growth Rate (%)
0.65% -8.48% -10.80% -11.26% -14.34% -16.53% -25.95% -34.51% -35.56% -38.10%
Bank Bank of Asia
Citizen Bank
RBB KBL NMB LUMBINI Nepal Bank
C&T Bank KIST Century Bank
Growth Rate (%)
-38.35% -42.38% -47.74% -52.62% -60.86% -62.29% -68.40% -77.52% -218.18% -339.77%
Table 2: Change in Net Profit of Commercial Bank
Market Share (%)
ADBNL
NABIL
SCB
NIBL
EBL
RBB
HBL
NBBL
BOK
NSBI
NIC
LAXMI
Nepal Bank
GLOBAL
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Operating Profit:
During the review period, operating profit of the commercial banks decreases by 27.35% at
Rs.9.22 billion as compared to corresponding quarter of previous financial year. NABIL Bank
Limited has able to earn highest operating profit among all the banks during the review period.
Bank NABIL SCB EBL HBL NIBL BOK NSBI NIC LAXMI GLOBAL Prime Bank
Operating Profit
(in'000')
1,626,093 1,233,691 1,231,809 887,063 850,462 611,262 443,407 412,095 384,912 267,618 261,293.3
Market Share
17.62% 13.37% 13.35% 9.61% 9.22% 6.62% 4.81% 4.47% 4.17% 2.90% 2.83%
Bank SBL Nepal Bank
Grand Bank of Asia LUMBINI KBL Sanima Bank
NCCB NMB Citizen Bank
Janata
Operating Profit
(in'000')
232,413 226,565 186,809 182,974 148,068 131,601 123,217 96,786 85,323 69,683 68,722
Market Share
2.52% 2.46% 2.02% 1.98% 1.60% 1.43% 1.34% 1.05% 0.92% 0.76% 0.74%
-400.00%
-300.00%
-200.00%
-100.00%
0.00%
100.00%
200.00%
300.00%
Growth Rate (%)
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Bank Mega NBBL RBB Civil Bank
C&T Bank Century Bank
MBL Sunrise Bank
KIST ADBNL
Operating Profit
(in'000')
62,323 28,683 17,878 10,594 6,198 -36,799 -53,682 -60,691 -154,317 -231,012
Market Share
0.68% 0.31% 0.19% 0.11% 0.07% -0.40% -0.58% -0.66% -1.67% -2.50%
Table 3: Operating Profit of Commercial Banks (Figure in ‘000’)
Mega Bank Limited has a highest growth rate of 186.52% whereas Century Commercial Bank
Limited suffers a significant decline in operating profit.
Bank Mega Civil Bank
Janata EBL NABIL GLOBAL Grand SCB HBL NSBI BOK LAXMI
Growth Rate (%)
186.52% 155.13% 82.83% 12.60% 11.85% 7.90% 2.00% -2.81% -3.41% -3.47% -8.74% -11.93%
Bank NIC LUMBINI MBL ADBNL Prime Bank
SBL Bank of Asia NIBL NCCB KBL
Growth Rate (%)
-24.04% -33.28% -33.71% -34.57% -35.80% -38.01% -38.83% -41.73% -42.95% -49.51%
Bank NBBL NMB Nepal Bank
Citizen Bank
C&T Bank
RBB Sunrise Bank
KIST Century Bank
Growth Rate (%)
-62.66% -66.61% -69.80% -73.96% -77.52% -98.07% -150.07% -176.58% -37,269.69%
Table 4: Change in Operating Profit of Commercial Bank
Net Interest Income (NII):
Net interest income (NII) is the difference between revenues generated by interest-bearing
assets and the cost of servicing (interest-burdened) liabilities. The major source of earning of
commercial banks is net interest income. Due to higher lending rate and subsequent increment
on the yield on asset, total Net Interest Income of the banking industry has decline by meager
2.57% during the review period. This shows that despite of higher cost of funds, commercial
banks have been able to maintain NII and didn’t let to decline as much as of net profit. During
the review period, Century Commercial Bank Limited has able to increase highest net interest
income where as Machhapuchchhre Bank Limited NII declined most among all the commercial
banks.
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Bank Change In Net Interest Income (Increase)
Bank Change In Net Interest Income (Decrease)
Century Bank 476.03% Nepal Bank -22.15%
Civil Bank 165.29% Sunrise Bank -26.55%
Mega 61.87% KIST -29.32%
Janata 33.63% NBBL -37.43%
C&T Bank 32.19% MBL -45.24%
Table 5: Change (increase/decrease) in Net Interest Income (%) of Top 5 Commercial Banks
Deposits:
The deposits of commercial banks as of third quarter of the current fiscal year have increased
by 20.95% to Rs.783.47 billion compared to same period of last fiscal year. Increase in deposit
figure clearly depicts that the overall banking sector liquidity problem have eased down
immensely. Presently inter-bank lending rates are almost nil which again indicates that
commercial banks have excess liquidity reserve with them.
Rastriya Banijaya Bank Limited has largest amount of deposits among all commercial banks
whereas Nabil Bank Limited leads the race among all banks excluding government holding
banks. During the review period, Century Commercial Bank Limited has the highest growth rate
of deposit at 915.55% whereas as Standard Chartered Bank Limited has lowest growth rate of
1.20% among all the commercial bank.
Bank Total Deposit (Rs.)
Market Share (%)
Rank
RBB 79,811,245 10.19% 1
NABIL 54,628,915 6.97% 2
NIBL 54,287,506 6.93% 3
NSBI 52,234,858 6.67% 4
Nepal Bank 48,917,632 6.24% 5
Table 6: Total Deposits of Top Five Commercial Banks (Figure in ‘000’)
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Bank Change in Deposit (Increase)
Bank Change In Deposit (Decrease)
Century Bank 915.55% Citizen Bank 10.26%
Civil Bank 291.68% LUMBINI 7.60%
Mega 174.52% Bank of Asia 3.52%
Janata 173.76% MBL 3.03%
C&T Bank 134.94% SCB 1.20%
Table 7: Change (increase/decrease) in Deposits (%) of Top 5 Commercial Banks
Loan and Advances:
Loan and advances have increased by 10.65% at Rs.571.95 billion during the review period. As
compared to increment of deposits, growth rate of loans and advances is less. This indicates
that commercial banks were unable to find appropriate/required clients for lending their excess
liquidity in the market. Century Commercial Bank Limited has highest growth rate in lending i.e.
4365.75% whereas Machhapuchchhre Bank Limited has a negative growth (i.e. 14.89%). Most
of the new commercial banks have higher lending growth which signals that they have been
aggressive than former commercial banks.
In total 3 commercial banks real estate loan exposures have stood above 20 percent which is
higher than Nepal Rastra Bank set limit. Grand Bank Limited has the highest percentage of loan
0
20000000
40000000
60000000
80000000
RBBNABIL
NIBLNSBI
Nepal Bank
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exposure in real estate sector i.e. 22.58% whereas Agriculture Development Bank Limited has
the lowest percentage i.e. 0.75%. There is a satisfactory growth in long term loans (term loan)
of commercial banks i.e. 8.26% compared to same period of last fiscal year. Maximum money
lent for project financing like hydropower projects, industrial projects and other manufacturing
and service sectors that can emphatically help in sustainable growth of an economy.
Bank Total Loan and Advances (Rs.)
Market Share Rank
NIBL 43,153,935 7.54% 1 NABIL 41,589,342 7.27% 2 RBB 37,391,783 6.54% 3 ADBNL 36,003,510 6.29% 4 EBL 35,340,245 6.18% 5
Table 8: Total Loans & Advances of Top Five Commercial Banks (Figure in ‘000’)
Bank Change in Loan and Advances (Increase)
Bank Change in Loan and Advances (Decrease)
Century Bank 4,365.75% RBB 3.26% Civil Bank 181.76% NIBL 1.28% C&T Bank 141.07% Bank of Asia -0.24% Janata 126.40% NBBL -0.95% Mega 118.97% MBL -14.89%
Table 9: Change (increase/decrease) in Loan and Advances (%) of Top 5 Commercial Banks
Bank Change in Real Estate Loan (Increase)
Bank Change in Real Estate Loan (Decrease)
Grand 22.58% Nepal Bank 5.52% SBL 20.67% RBB 5.06% Prime Bank 20.48% C&T Bank 3.99% NIBL 19.75% Mega 3.36% KIST 19.45% ADBNL 0.75%
Table 10: Change (Increase/decrease) in Real Estate Loan (%) of Top 5 Commercial Banks
Total Provision:
Total loan loss provisions have always been major concern for commercial banks. During the
review period loss provision rose by whopping 51.28% as compared to corresponding previous
quarter of last fiscal year. The total provision of possible losses stood at Rs.6.22 billion which is
a worrying signal for overall banking industry. Troubling real estate sector, plunging share
market, deteriorating industrial environment, etc. have made a big impact on general public
capacity to pay back their principal and interest on time resulting surge in total loan loss
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provisions of banks. Increased provision has led drastic decrease in net profit of commercial
banks this time.
Bank Total Provision (Rs.) Highest 5*
Bank Total Provision (Rs.) Lowest 5*
ADBNL 1,649,827 Mega 40,278 NIBL 615,633 Century Bank 38,816 RBB 581,613 Civil Bank 33,101 NABIL 516,588 C&T Bank 25,733 KBL 266,634 Janata 23,442
Table 11: Total Provision of Commercial Banks (Figure in ‘000’) *In Descending order
Non Performing Loan:
The risks of commercial banks have increased during the review period as compared to same
period of previous fiscal year. The average non-performing loans as a percentage of total loans
have increased to 2.88 percent from 2.48 percent last year. Out of 32 commercial banks, 5
banks NPA stood above 4% which is considered risky while others maintained below that level.
Most of the new commercial banks NPA level is low or zero.
Bank Highest 5* Bank Lowest 5*
RBB 10.58% Janata 0.03% NBBL 10.32% Century Bank 0.00% ADBNL 8.44% Civil Bank 0.00% Nepal Bank 5.44% C&T Bank 0.00% KIST 4.81% Mega 0.00%
Table 12: Non Performing Loan (%) of Commercial Banks *In Descending order
Earning per Share (EPS) and Return on Equity (ROE):
The significance of EPS is obvious, as the viability of any business depends on the income it can
generate. Earnings per share allow us to compare different companies’ power to make money.
Decrease in net profit has badly hit the EPS of banks this time. During the review period, the
annualized EPS of banking industry put up Rs.21.60 compared to Rs.31.95 on same period last
fiscal year. Amongst all, only 10 commercial banks have earned above industry average.
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The average return on equity stood up mere 8.61% compared to 10.87% of last fiscal year
corresponding period. This shows that commercial banks have not been able to increase their
profits in the ratio of growth of their paid up capital. Consequently, investors can expect less
return in coming fiscal year.
Bank Annualized EPS (Rs.) (Highest 5)*
Bank Annualized EPS (Rs.) (Lowest 5)*
EBL 75.35 Civil Bank 0.74 RBB 75.28 MBL 0.54 NABIL 74.56 C&T Bank 0.37 SCB 70.39 Century Bank -4.46 Nepal Bank 66.10 KIST -10.24
Table 13: Annualized EPS of Commercial Banks * In Descending Order
Bank ROE (Highest 5)* Bank ROE (Lowest 5)*
EBL 20.16% C&T Bank 0.28% NABIL 19.90% Century Bank -3.23% SCB 18.77% Nepal Bank -4.67% NBBL 18.29% KIST -7.73% BOK 14.12% RBB -8.30%
Table 14: Annualized Return on Equity (%) of Commercial Banks (%) * In Descending Order
Price to Earnings Ratio:
The P/E gives you an idea of what the market is willing to pay for the company’s earnings. The
higher the P/E the more the market is willing to pay for the company’s earnings. Some investors
read a high P/E as an overpriced stock and that may be the case, however it can also indicate
the market has high hopes for this stock’s future and has bid up the price. The overall average
annualized P/E ratio of banking industry is 15.65 which indicate that the current price of
commercial banks in secondary market is correctly valued. (P/E Ratio around 10-15 is regarded
as correct value as per international standard).
(Note: P/E Ratio of Machhapuchchhre Bank Limited is excluded while calculating average
annualized P/E ratio)
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Bank Annualized P/E Ratio (Highest 5)*
Bank Annualized P/E Ratio (Lowest 5)*
NBBL 4.45 NSBI 30.72 ADBNL 8.18 Bank of Asia 32.46 GLOBAL 11.15 KBL 35.54 NCCB 12.74 Citizen Bank 37.19 EBL 13.00 NMB 46.81
Table 15: Annualized P/E ratio of Commercial Banks *(Times) (In Ascending Order)
Overall Conclusion:
Escalating cost of operations due to inflationary pressure, exceeding liquidity resulting in lower returns, increasing provision against loan of real estate sectors, unstable socio-political environment and growing local competition have adversely affected the growth and net profit of commercial banks as of 3rd quarter of the current fiscal year 2068/69. Therefore, commercial banks should continuously improve their service standards, analyze each cost component minutely to bring down their cost of operations, introduce new products to drive the market, and carry out cautious approach in business segments especially in credit risk assets. Lacking political stability coupled with slacking economic growth, widening trade deficit, rising inflationary rate and arousing number of defaulters in the banking industry continues to remain the major challenges ahead.
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Last 5 Year Dividend distribution history of Commercial Banks
S.n. Commercial Banks Particulars Indicator 2063/64 2064/65 2065/66 2066/67 2067/68
2006/07 2007/08 2008/09 2009/10 2010/11
1 Nepal SBI Bank Limited Earning Per Share (EPS) Rs 39.35 28.33 36.18 23.69 24.85
Dividend (Including Bonus Share) % 47.59 - 42.11 17.5 17.5
Cash Dividend % 12.59 - 2.11 5 5
2 Himalayan Bank Limited Earning Per Share (EPS) Rs 60.66 62.74 61.9 31.8 44.66
Dividend (Including Bonus Share) % 40 45 43.56 36.84 36.84
Cash Dividend % 15 25 12 11.84 16.84
3 Siddhartha Bank Limited Earning Per Share (EPS) Rs 15.88 17.29 22.89 21.99 19.82
Dividend (Including Bonus Share) % 15.79 15.79 15.79 10.03 15.79
Cash Dividend % 0.79 0.79 0.79 10.03 12.79
4 Sunrise Bank Limited Earning Per Share (EPS) Rs - -3.89 6.78 16.35 2.2
Dividend (Including Bonus Share) % - - - 10 4
Cash Dividend % - - - 10 4
5 Global Bank Limited Earning Per Share (EPS) Rs -7.94 8.91 2.63 4.95 14.06
Dividend (Including Bonus Share) % - - - - 6.67
Cash Dividend % - - - 5 5.35
6 Laxmi Bank Limited Earning Per Share (EPS) Rs 10.75 16.45 20.7 24.12 23.25
Dividend (Including Bonus Share) % - 21.05 5.26 13 15.79
Cash Dividend % - 1.05 0.26 13 10.79
7 NMB Bank Limited Earning Per Share (EPS) Rs 37.57 7.28 4.42 10.65 11.08
Dividend (Including Bonus Share) % 30 10.53 - 10.53 9
Cash Dividend % 30 - - 10 9
8 Standard Chartered Bank Earning Per Share (EPS) Rs 167.37 131.92 109.99 77.65 69.51
Dividend (Including Bonus Share) % 130 130 100 70 50
Cash Dividend % 80 80 50 55 50
9 Nabil Bank Limited Earning Per Share (EPS) Rs 137.08 115.86 113.44 83.81 70.67
Dividend (Including Bonus Share) % 140 100 85 70 30
Cash Dividend % 100 60 35 30 30
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10 Sanima Bank Limited Earning Per Share (EPS) Rs 5.86 5.6 7.53 10.63 7
Dividend (Including Bonus Share) % - - 5 - -
Cash Dividend % - - - 10 7
11 Nepal Investment Bank Limited Earning Per Share (EPS) Rs 62.57 57.87 37.42 52.55 48.84
Dividend (Including Bonus Share) % 30 40.83 20 25 50
Cash Dividend % 5 7.5 20 25 25
12 Everest Bank Limited Earning Per Share (EPS) Rs 78.42 91.82 99.99 100.16 83.18
Dividend (Including Bonus Share) % 30 30 30 30 30
Cash Dividend % 10 20 30 30 50
13 Citizens Bank International Limited Earning Per Share (EPS) Rs -2.75 8.79 9.58 19.36 9.92
Dividend (Including Bonus Share) % - - 10 12.63 10.53
Cash Dividend % - - 10 12.63 5.53
14 Prime Commercial Bank Limited Earning Per Share (EPS) Rs - 4 20.39 29.54 16.04
Dividend (Including Bonus Share) % - - 10.526 20.526 12.63
Cash Dividend % - - 0.526 10.526 12.63
15 Bank of Asia Nepal Limited Earning Per Share (EPS) Rs - 0.64 6.15 13.86 10.49
Dividend (Including Bonus Share) % - - 5 10.53 7.37
Cash Dividend % - - 5 10.53 7.37
16 Bank of Kathmandu Limited Earning Per Share (EPS) Rs 43.5 59.94 54.68 43.08 44.51
Dividend (Including Bonus Share) % 20 42.11 47.37 30 34.75
Cash Dividend % 20 2.11 7.37 15 16.75
17 DCBL Bank Limited (Grand) Earning Per Share (EPS) Rs 16.78 4.96 6.23 9.07 4.64
Dividend (Including Bonus Share) % 12.63 - 9.78 10.53 4.33
Cash Dividend % 0.63 - 0.26 0.53 0.22
18 Agricultural Development Bank Limited Earning Per Share (EPS) Rs 65.14 32.21 50.91 62.3 77.88
Dividend (Including Bonus Share) % - - - - -
Cash Dividend % - - - - -
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19 Century Commercial Bank Limited* Earning Per Share (EPS) Rs - - - - -
Dividend (Including Bonus Share) % - - - - -
Cash Dividend % - - - - -
20 Civil Bank Limited Earning Per Share (EPS) Rs - - - - 0.1
Dividend (Including Bonus Share) % - - - - -
Cash Dividend % - - - - -
21 Lumbini Bank Limited Earning Per Share (EPS) Rs 32.07 32.91 30.31 23.49 29.98
Dividend (Including Bonus Share) % - - - - 10
Cash Dividend % - - - - 0.53
22 Kist Bank Limited Earning Per Share (EPS) Rs 13.13 5.91 4.48 7.21 2.7
Dividend (Including Bonus Share) % 5 5 3.5 5 -
Cash Dividend % 10 5 3.5 5 -
23 Machhapuchchhre Bank Limited* Earning Per Share (EPS) Rs 9.02 10.35 8.33 4.96
-
Dividend (Including Bonus Share) % - 21.05 - 10 -
Cash Dividend % - 1.05 - - -
24 NIC Bank Limited Earning Per Share (EPS) Rs 24.01 25.75 27.83 34.3 37.8
Dividend (Including Bonus Share) % 21.05 21.05 15.79 26.32 20
Cash Dividend % 1.05 1.05 0.79 26.32 20
25 Kumari Bank Limited Earning Per Share (EPS) Rs 22.7 16.35 22.04 24.24 15.67
Dividend (Including Bonus Share) % 21.05 10.53 10.58 12 8.44
Cash Dividend % 1.05 0.53 0.55 12 0.44
26 Commerz and Trust Bank Nepal Limited Earning Per Share (EPS) Rs - - - - 162.62
Dividend (Including Bonus Share) % - - - - -
Cash Dividend % - - - - -
27 Mega Bank Limited Earning Per Share (EPS) Rs - - - - 1.49
Dividend (Including Bonus Share) % - - - - -
Cash Dividend % - - - - -
28 Janata Bank Limited Earning Per Share (EPS) Rs - - - 0.69 2.19
Dividend (Including Bonus Share) % - - - - -
Cash Dividend % - - - - -
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29 Nepal Credit and Commerce Bank Limited Earning Per Share (EPS) Rs -16.53 35.63 29.35 30.28 15.78
Dividend (Including Bonus Share) % - - - - -
Cash Dividend % - - - - -
30 Rastriya Banijaya Bank Limited* Earning Per Share (EPS) Rs 419.65 446.13 499.27 526.08 -
Dividend (Including Bonus Share) %
- - - - -
Cash Dividend % - - - - -
31 Nepal Bangladesh Bank Limited* Earning Per Share (EPS) Rs - 80.16 116.01 54.9 -
Dividend (Including Bonus Share) # % - - - - -
Cash Dividend % - - - - -
32 Nepal Bank Limited* * Earning Per Share(EPS) Rs
Dividend (Including Bonus Share) %
Cash Dividend %
* Audited Financial report is due of 2067/68 fiscal year.
** Presently it’s in NRB control and surveillance. AGM is not held since last 10 years.
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Annexure
As of 3rd
Quarter of the current fiscal year 2068/69. (Figure in ‘000’)
Bank Paid Up Capital Reserve Deposit Loan & Advances
Net Profit
Networth Per Share P/E Ratio
Return on Asset
Sanima Bank 2,016,000 181,027 9,131,282 8,324,315 78,337 108.97 0 0.68%
Century Bank 1,080,000 41,812 2,983,619 2,914,527 -36,206 103.87 0 -0.87%
Civil Bank 1,200,000 11,342 7,030,769 6,400,580 6,742 100.94 0 0.08%
C&T Bank 1,400,000 27,277 5,309,788 4,995,863 3,945 101.94 0 0.06%
Mega 1,631,000 120,551 9,506,189 8,755,825 40,023 107.39 0 0.32%
Janata 1,400,000 120,658 6,887,220 6,600,675 43,783 108.61 0 0.49%
KIST 2,000,000 -10,405 18,831,780 14,530,035 -153,739 99.47 -16.78 -0.71%
NMB 2,000,000 281,830 14,913,361 12,356,273 69,202 114.09 46.81 0.39%
Grand 2,000,000 259,037 11,953,091 10,686,246 141,153 112.95 23.91 0.97%
Bank of Asia 2,000,000 271,793 13,976,373 11,955,722 117,350 113.58 32.46 0.63%
Sunrise Bank 2,015,000 210,513 17,655,939 14,002,985 79,451 110.44 29.67 0.39%
Prime Bank 2,245,746 413,142.8 21,134,650 18,821,506 171,117.6 118.39 26.96 0.69%
Citizen Bank 2,101,840 232,505 15,289,515 13,526,518 100,438 111.06 37.19 0.53%
GLOBAL 1,601,452 280,318 18,947,604 15,212,014 172,292 117.50 11.15 0.79%
SBL 1,619,244 518,180 23,491,255 19,774,361 148,251 132.00 27.76 0.56%
LAXMI 1,694,081 669,843 19,670,876 16,573,357 250,065 139.54 17.27 1.08%
KBL 1,603,800 696,001 20,665,627 16,822,934 85,963 143.39 35.54 0.36%
MBL 1,627,197 161,926 18,143,842 13,631,491 6,688 109.95 195.24 0.03%
NIC 1,311,552 950,348 19,944,549 15,856,898 263,554 172.45 20.37 1.13%
LUMBINI 1,430,000 527,069 7,053,476 6,892,905 107,899 136.85 25.34 1.15%
NCCB 1,400,000 462,371 14,179,894 11,099,259 115,297 133.02 12.74 0.68%
BOK 1,604,187 1,231,464 22,278,787 18,568,223 400,464 176.76 18.38 1.45%
EBL 1,391,570 2,508,390 45,983,008 35,340,245 786,414 280.25 13.00 1.51%
NBBL 2,009,396 615,120 13,556,309 10,688,930 480,020 130.61 4.45 2.71%
NSBI 2,093,990 1,047,069 52,234,858 25,025,654 319,006 150.00 30.72 0.56%
HBL 2,400,000 2,165,766 47,001,692 34,972,137 570,228 190.24 20.64 1.03%
SCB 1,610,168 291,7657 36,143,205 18,986,670 850,048 281.20 27.02 2.03%
NIBL 3,012,924 2,949,391 54,287,506 43,153,935 801,005 197.89 14.75 1.25%
NABIL 2,029,769 3,673,580 54,628,915 41,589,342 1,135,194 280.98 17.46 1.77%
ADBNL 9,474,300 4,861,122 41,065,101 36,003,510 1,145,943 151.30 8.18 1.69%
RBB 1,172,300 -9,143,609 79,811,245 37,391,783 661,939 -679.97 0 0.79%
Nepal Bank 380,383 -4,416,074 48,917,632 28,825,636 188,586 -1060.95 0 0.34%
A Comparative Study of Commercial Banks
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