Quarterly results published by national level development banks as on Kartik 2081 shows convincing and adequate growth in major performance indicators . In this article we have tried to highlight the major performance indicators of national level development banks as on Kartik 2081.

Performance Analysis of National Level Development Banks- Kartik 2081

Loans and Advances:

Muktinath Bikas Bank has the highest loans and advance portfolio as on Kartik 2081 of Rs.99.50 Billion followed by Garima Bikas Bank with loan portfolio of Rs. 73.42 Billion amongst all national level development banks. Loans to Customers stood at Rs.96.79 Billion for Muktinath Bikas Bank while loans to BFIs remained at Rs. 2.71 Billion. Lowest Loan portfolio is of Sangrila Development Bank with Loan amount of Rs. 46.94 Billion.

In terms of Year-to-Date growth, Muktinath Bikas Bank increased its loan portfolio by Rs. 2.82 Billion followed by Garima Bikas Bank with increment of Rs.2.25 Billion and Shine Resunga Development Bank by Rs.1.62 Billion till Kartik 2081. Jyoti Bikas Bank however witnessed negative loan growth of Rs. 3.02 Billion, Lumbini Development Bank witnessed negative growth of Rs.1.02 Billion as compared to Ashadh 2081. Overall Industry loans grew by 2.30% till Kartik 2081 while development’s bank loans grew by 1.24% till Kartik 2081.

 

In Billion

Bank	Rank	Total loan	Loan to customers	Loan to BFIs	M-O-M Change Total loan	Y-T-D Change Total loan	Y-T-D Growth Total loan %
Mukti	1	99.5	96.79	2.71	-0.54	2.82	2.92%
Garima	2	73.42	68.88	4.55	-0.34	2.25	3.16%
Shine	3	56.05	54.19	1.86	0.13	1.62	2.99%
Kamana	4	51.67	48.31	3.36	0.03	1.51	3.01%
Jyoti	5	50.73	50.73	-	-0.32	-3.02	-5.62%
LumbiniDB	6	48.59	47.78	0.81	-0.96	-1.02	-2.05%
Shangrila	7	46.94	43.38	3.55	-0.48	1.26	2.77%
Mahalaxmi	8	45.07	41.94	3.12	-0.74	-0.3	-0.66%

 

Deposits:

Overall Industry deposit grew by 2.29% till Kartik 2081 while development’s bank deposit fell by 1.12% till Kartik 2081. Muktinath Bikas Bank has highest portfolio size of Rs.112.19 Billion as on Kartik 2081 followed by Graima Bikas Bank with Rs.84.96 Billion and Jyoti Bikas Bank with Rs.62.83 Billion.  Four Banks were able to achieve positive Y-T-D growth in Deposits till Kartik 2081. Muktinath Bikas Bank increased its Y-T-D deposit volume by Rs. 1.66 Billion followed by Kamana Sewa Bikas Bank with increment of Rs.1.23 Billion. Jyoti Bikas Bank however let go deposit of Rs. 4.72 Billion from Ashadh 2081 till Kartik 2081, followed by decrement in Lumbini Bikas Bank by Rs. 2.42 Billion and decrement of Rs.2.35 Billion by Mahalaxmi Bikas Bank. Highest CASA volume is held by Mahalaxmi Bikas Bank of more than 48.50%, followed by 38.45% of Shine Resunga Development Bank during the review period. Lowest CASA is of Lumbini Development Bank of 26.20%.

                                                                                                                                       Amount in Billion

Deposit	Rank	Total Deposit	Current	Savings	Fixed	Call Deposits	Others	CASA %	M-O-M Change Deposit	Y-T-D Change Deposit	Y-T-D Growth Deposit %
Mukti	1	112.19	2.37	38.18	64.83	6.73	0.08	36.14%	0.97	1.66	1.50%
Garima	2	84.96	1.17	29.95	46.7	7.14	0.01	36.63%	-0.23	-1.08	-1.25%
Shine	3	67.16	0.79	25.03	38.35	2.98	0.01	38.45%	-0.02	0.83	1.25%
Jyoti	4	62.83	1.44	22.07	32.89	6.37	0.07	37.41%	1.75	-4.72	-6.99%
Kamana	5	60.93	0.81	18.18	37.83	4.11	-	31.16%	-0.72	1.23	2.06%
LumbiniDB	6	57.81	1.05	14.1	38.63	4.01	0.02	26.20%	-1.56	-2.42	-4.02%
Shangrila	7	56.09	0.64	14.67	36.82	3.94	0.02	27.30%	0.16	0.5	0.90%
Mahalaxmi	8	53.77	1.18	24.9	23.43	4.26	-	48.50%	0.1	-2.35	-4.20%

 

 

Non-Banking Assets (NBA):

In terms of NBA, Jyoti Bikas Bank and Mahalaxmi Bikas Bank hold the significant investment property of Rs.818.83 Million and Rs.595.24 Million respectively. Looking into Ashadh 2081 figures, Jyoti Bikas Bank’s NBA increased by Rs.126.38 Million while NBA of Mahalaxmi Bikas Bank increased by Rs.62.79 Million. Lumbini Development Bank sold its NBA worth Rs.16.60 Million till Kartik 2081.

                                                                                                                                                     Amount in Million

Bank	Rank	Kartik 2081	Ashadh 2081	YTD Change
Jyoti	1	818.83	692.46	126.38
Mahalaxmi	2	595.24	532.45	62.79
Mukti	3	431.65	432.5	-0.86
Kamana	4	352.14	352.14	-
Shangrila	5	300.73	288.16	12.57
Garima	6	214.73	198.25	16.48
Shine	7	197.54	130.02	67.52
LumbiniDB	8	188.01	204.61	-16.6

 

Investment:

In terms of Investment, Muktinath Bikas Bank had invested Rs.16.99 Billion in Government Securities being highest amongst peer. All other banks except Shangrila Development Bank and Mahalaxmi Bikas Bank had investment in government securities worth more than a 10 billion. Mahalaxmi Bikas Bank had diluted investments in Government Securities worth Rs. 3.8 Billion followed by Muktinath Bikas Bank with dilution of Rs.2.9 Billion on its Government Securities as compared to Asadh 2081. Looking into investment in shares and other investments Shine Resunga Development Bank managed to increase the portion by 33.27% as compared to Ashadh 2081 followed by Jyoti Bikas Bank with increment by 22.38%.

                                                                                                                                                                                                                                                           Amount in Million

Bank	Kartik 2081		Ashadh 2081		Change (Amount)		Change (%)
	Investment in Govt. Sec	Investment in Shares and Other	Investment in Govt. Sec	Investment in Shares and Other	Investment in Govt. Sec	Investment in Shares and Other	Investment in Govt. Sec	Investment in Shares and Other
Mukti	16,995.48	856.24	19,952.98	835.21	(2,957.51)	21.03	-14.82%	2.52%
Garima	14,687.65	915.66	15,959.37	797.15	(1,271.73)	118.51	-7.97%	14.87%
Jyoti	12,540.29	1,347.02	13,137.19	1,345.82	(596.90)	1.20	-4.54%	0.09%
Shine	12,232.05	556.71	12,973.55	417.71	(741.50)	138.99	-5.72%	33.27%
Kamana	10,473.13	1,116.96	10,607.57	1,088.65	(134.43)	28.31	-1.27%	2.60%
LumbiniDB	11,632.77	2,193.39	10,249.45	2,061.86	1,383.32	131.52	13.50%	6.38%
Mahalaxmi	9,749.62	1,037.87	13,598.22	1,031.09	(3,848.60)	6.79	-28.30%	0.66%
Shangrila	9,578.74	946.58	9,773.09	855.36	(194.35)	91.22	-1.99%	10.66%

 

Net Interest Income (NII):

Muktinath Bikas Bank has highest Net Interest Income of Rs.1.488 Billion followed by Garima Bikas Bank of Rs.1.319 Billion. Lumbini Development Bank has lowest NII of Rs.634.48 Million. Shine Resunga Development Bank’s NII increased by 38.36% on Y-O-Y basis while Lumbini Development Bank’s NII increased by 29.66%.

                                                                                                                                               Amount in Million

Bank Name	Rank (NII)	Kartik 2081	Kartik 2080	Y-O-Y Change	Change %
Mukti	1	1,488.39	1,297.11	191.28	14.75%
Garima	2	1,319.39	1,082.74	236.64	21.86%
Shine	3	881.96	637.42	244.54	38.36%
Jyoti	4	767.41	767.82	-0.41	-0.05%
Shangrila	5	728.48	590.77	137.71	23.31%
Kamana	6	706.4	642.67	63.73	9.92%
Mahalaxmi	7	689.94	594.06	95.88	16.14%
LumbiniDB	8	634.48	489.33	145.16	29.66%

 

Fees, Discount and Commission income:

Shine Resunga Development bank has the highest commission and discount income of Rs.99.78 Million followed by Kamana Sewa Bikas Bank of Rs.98.52 Million. Lumbini Development Bank had the lowest commission and discount income of just Rs.3.38 Million. Shine Resunga Development Bank’s commission income increased by massive 789.43% on YOY basis as compared to Kartik 2080. Commission income of Mahalaxmi Bikas Bank fell by 10.03% on YOY basis.

                                                                                                   Amount in Million

Bank Name	Rank (NII)	Kartik 2081	Kartik 2080	Y-O-Y Change	Change %
Shine	1	99.78	11.22	88.57	789.43%
Kamana	2	98.52	83.93	14.59	17.38%
Shangrila	3	72.17	73.69	-1.52	-2.07%
Mahalaxmi	4	53.56	59.54	-5.97	-10.03%
Garima	5	43.72	43.56	0.15	0.36%
Mukti	6	18.76	12.22	6.55	53.58%
Jyoti	7	7.11	6.85	0.26	3.79%
LumbiniDB	8	3.38	3.41	-0.03	-0.79%

 

LLP Expenses:

Highest LLP expenses was booked by Jyoti Bikas Bank of Rs.534.71 Million followed by Muktinath Bikas Bank of Rs.387.72 Million. Kamana Sewa Bikas Bank managed to book LLP expenses of Rs.48.73 Million being the lowest amongst the peer. LLP expenses of Shine Resunga Development Bank increased by 175.97% on YOY basis while Kamana Sewa Bikas Bank’s YOY LLP expenses decreased by 48.83% as compared to Kartik 2080.

                                                                                                   Amount in Million

Bank Name	Rank (NII)	Kartik 2081	Kartik 2080	Y-O-Y Change	Change %
Jyoti	1	534.71	336.41	198.3	58.94%
Mukti	2	387.72	361.6	26.12	7.22%
Garima	3	372.14	353.85	18.29	5.17%
Shangrila	4	253.09	173.24	79.85	46.09%
Mahalaxmi	5	141.34	106.71	34.63	32.45%
Shine	6	121.17	43.91	77.26	175.97%
LumbiniDB	7	52.46	28.75	23.71	82.45%
Kamana	8	48.73	95.24	-46.51	-48.83%

 

HR Expenses Excluding Bonus:

Lowest HR cost excluding bonus was reported by Lumbini Development Bank of Rs.135.60 Million followed by Mahalaxmi Bikas Bank with Rs.197.59 Million and Shangrila Development Bank of Rs.198.82 Million. Muktinath Bikas Bank reported highest HR costs of Rs.412.43 Million followed by Garima Bikas Bank of Rs.320.74 Million. Lumbini Development Bank managed to decrease its HR costs by 3.09% on Kartik 2081 as compared to Kartik 2080. However, HR costs of Shine Resunga Development Bank increased by 42.15% while that of Kamana Sewa Bikas Bank increased by 16.04% on Kartik 2081 as compared to Kartik 2080 followed by that of Mahalaxmi Bikas Bank with increment of 15.95%.

                                                                                                   Amount in Million

Bank Name	Rank (NII)	Kartik 2081	Kartik 2080	Y-O-Y Change	Change %
Mukti	1	412.43	380.07	32.36	8.51%
Garima	2	320.74	299.22	21.53	7.20%
Kamana	3	246.03	212.03	34.00	16.04%
Shine	4	229.98	203.73	26.25	12.88%
Jyoti	5	200.17	195.26	4.91	2.51%
Shangrila	6	198.82	185.83	12.99	6.99%
Mahalaxmi	7	197.59	170.41	27.18	15.95%
LumbiniDB	8	135.6	139.92	(4.32)	-3.09%

 

Operating Expenses:

Highest Operating expenses was reported by Muktinath Bikas Bank of Rs.265.18 Million followed by Garima Bikas Bank of Rs.216.72 Million till Kartik 2081. Lumbini Development Bank managed to restrict its operating expenses to Rs.91.46 Million. Operating expenses of Lumbini Development Bank decreased by 8.68% during review period while that of Garima Bikas Bank increased by 12.61%.

                                                                                                     Amount in Million

Bank Name	Rank (NII)	Kartik 2081	Kartik 2080	Y-O-Y Change	Change %
Mukti	1	265.18	242.54	22.64	9.34%
Garima	2	216.72	192.46	24.26	12.61%
Jyoti	3	171.18	178.59	-7.41	-4.15%
Shangrila	4	149.34	141.19	8.15	5.77%
Kamana	5	147.79	154.44	-6.64	-4.30%
Shine	6	137.48	128.13	9.35	7.30%
Mahalaxmi	7	125.4	125.38	0.02	0.01%
LumbiniDB	8	91.46	100.14	-8.69	-8.68%

 

Loan Write Off:

Shine Resunga Development Bank has written off of loans and advances worth Rs.7.92 Million followed by Kamana Sewa Bikas Bank of Rs.6.79 Million. Muktinath Bikas Bank, Garima Bikas Bank and Jyoti Bikas Bank have not written off any loans till Kartik 2081.

                                                                                                   Amount in Million

Bank Name	Rank (NII)	Kartik 2081	Kartik 2080	Y-O-Y Change
Shine	1	7.92	-	7.92
Kamana	2	6.79	0.15	6.64
Mahalaxmi	3	1.92	3.17	-1.26
LumbiniDB	4	1.89	6.15	-4.27
Shangrila	5	1.36	1.48	-0.12
Mukti	6	-	15.15	-15.15
Garima	6	-	-	-
Jyoti	6	-	-	-

 

                                              -----The End----