Industry Analysis of Commercial Banks Review Period Ashadh 2081 Vs Ashadh 2080
Published: 13 September, 2024 | By: Tathyanka Admin
Financial Report of all 20 Nepalese Commercial Banks has been released for Q4, 2080/81. The report seems to be the mix of better, bitter and impressive performance by the Banks. In this article, we shall be looking into major financial highlights, performance indicators and major ratios of Commercial Banks of Nepal based on their Q4 reports.
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Deposit Growth |
Credit Growth |
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Year on Year Industry average Deposits of overall Banks and Financial institutions grew by 12.55% i.e. from Rs. 5,771.24 Billion to Rs. 6,495.58 Billion if compared to Ashadh 2081 and Ashadh 2080. Overall industrial deposits of Commercial Banks grew by 13.18% from Rs.5,086.24 million to Rs.5,756.81 million during this period. |
As compared to Ashadh 2080, Credit growth of overall industry remained as on Ashadh 2081 remained at 5.97% i.e. from Rs.4,877.41 Billion to Rs.5,168.66 Billion compared. Overall Loans of Commercial Banks grew by 5.91% from Rs.4,312.59 million to Rs.4,567.54 million. |
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What does Loans and Advances mean to Bank? Loans and Advance is the Balance Sheet items classified under Assets side of the Bank’s Balance Sheets. Loans and Advances includes Loans provided to normal customers by the Bank as well as institutional loans provided by Banks to BFIs.
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Year-on-Year growth of Loans and Advances of Commercial Bank’s grew by 5.53% on Ashadh 2081. Most of the Commercial Bank’s managed to increase their credit portfolio. During the review period all Banks except Prabhu Bank and Standard Chartered Bank have increased their credit portfolio as compared to Ashadh 2080. Nabil Bank leads the chart with highest credit portfolio of Rs. 386.13 Billion whose credit portfolio increased by 13.77% as compared to earlier year. Global IME Bank is second in the list with Rs.383.22 Billion credit portfolio up by 4.10% from previous year followed by NIMB Bank with Rs.319.75 Billion. Most significant credit growth was done by Prime Commercial Bank Limited with 19.81% Y-o-Y growth. Standard Chartered Bank Nepal remained sluggish in terms of credit growth with lowest portfolio size of Rs. 88.63 Billion down by 6.37% as compared to earlier year.
Rs. in Billion
|
Bank |
Ashadh 2080 |
Ashadh 2081 |
Change (Rs. in Bn) |
Change (%) |
Ranking |
|
Nabil |
339.41 |
386.13 |
46.72 |
13.77% |
1 |
|
Global |
368.13 |
383.22 |
15.10 |
4.10% |
2 |
|
NIMB |
311.62 |
319.75 |
8.13 |
2.61% |
3 |
|
Kumari |
280.69 |
283.95 |
3.25 |
1.16% |
4 |
|
NIC Asia |
271.74 |
283.26 |
11.52 |
4.24% |
5 |
|
RBB |
242.94 |
260.86 |
17.92 |
7.38% |
6 |
|
LaxmiSunrise |
255.56 |
258.36 |
2.80 |
1.10% |
7 |
|
HBL |
237.99 |
242.82 |
4.83 |
2.03% |
8 |
|
Parbhu |
241.13 |
234.00 |
(7.13) |
-2.96% |
9 |
|
ADBL |
180.44 |
205.05 |
24.61 |
13.64% |
10 |
|
NBL |
184.06 |
203.45 |
19.40 |
10.54% |
11 |
|
NMB |
196.15 |
202.55 |
6.40 |
3.26% |
12 |
|
SBL |
189.18 |
201.09 |
11.91 |
6.29% |
13 |
|
Prime |
159.58 |
190.40 |
30.81 |
19.31% |
14 |
|
EBL |
167.56 |
187.30 |
19.74 |
11.78% |
15 |
|
Sanima |
149.87 |
165.02 |
15.15 |
10.11% |
16 |
|
Citizen |
142.34 |
155.15 |
12.81 |
9.00% |
17 |
|
NSBI |
121.92 |
132.26 |
10.33 |
8.47% |
18 |
|
MBL |
130.60 |
132.21 |
1.61 |
1.23% |
19 |
|
SCBNL |
94.66 |
88.63 |
(6.03) |
-6.37% |
20 |
|
Average industry |
213.28 |
225.775.53% |
12.49 |
|
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What Does Deposit mean to Banks? Deposits if the total fund collected by the Bank from its customers. Deposit is shown in liability side of Bank’s Balance Sheet which consists of “Due to Bank and Financial Institutions” and “Deposit from Customers”. Banks normally collect deposit in a form of Fixed, Saving, Current, Call, Margin, Recurring accounts.
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All the commercial Banks except Standard Chartered Bank Nepal managed to increase their Deposit Volume during the review period. Overall deposits of Commercial Banks grew by 11.43% on an average during the review period. Global IME Bank’s deposit portfolio remained highest at Rs.504.90 Billion followed by Nabil Bank Limited at Rs.468.77 Billion. In terms of Y-o-Y growth Rastriya Banijye Bank’s deposit grew by 33.35% and remained at Rs.430.71 Billion, followed by Prime Commercial Bank with 23.97% increment. Lowest Deposit is being held by Standard Chartered Bank Nepal at Rs.114.83 Billion.
Rs. in Billion
|
Bank |
Ashadh 2080 |
Ashadh 2081 |
Change (Rs.) |
Change (%) |
Ranking |
|
Global |
439.35 |
504.90 |
65.55 |
14.92% |
1 |
|
Nabil |
403.12 |
468.77 |
65.65 |
16.29% |
2 |
|
RBB |
322.98 |
430.71 |
107.73 |
33.35% |
3 |
|
NIMB |
360.22 |
406.81 |
46.58 |
12.93% |
4 |
|
NIC Asia |
315.34 |
362.44 |
47.10 |
14.94% |
5 |
|
Kumari |
325.28 |
347.83 |
22.55 |
6.93% |
6 |
|
LaxmiSunrise |
300.31 |
333.40 |
33.09 |
11.02% |
7 |
|
Parbhu |
297.09 |
312.23 |
15.14 |
5.09% |
8 |
|
HBL |
280.50 |
297.73 |
17.23 |
6.14% |
9 |
|
NBL |
245.79 |
283.56 |
37.77 |
15.37% |
10 |
|
SBL |
235.27 |
244.91 |
9.64 |
4.10% |
11 |
|
ADBL |
201.58 |
243.79 |
42.20 |
20.94% |
12 |
|
EBL |
199.23 |
233.39 |
34.16 |
17.15% |
13 |
|
NMB |
213.04 |
227.11 |
14.06 |
6.60% |
14 |
|
Prime |
178.57 |
221.37 |
42.80 |
23.97% |
15 |
|
Sanima |
180.84 |
199.38 |
18.54 |
10.25% |
16 |
|
Citizen |
172.56 |
191.67 |
19.12 |
11.08% |
17 |
|
NSBI |
154.84 |
179.24 |
24.41 |
15.76% |
18 |
|
MBL |
158.28 |
161.78 |
3.49 |
2.21% |
19 |
|
SCBNL |
122.49 |
114.83 |
(7.67) |
-6.26% |
20 |
|
Average industry |
255.33 |
288.29 |
32.96 |
11.43% |
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What Does Net Interest Income (NII) mean to Banks? Interest Income is recognized on interest bearing advances and financial assets whose income is booked to statement of profit or loss under interest income, whereas Interest Expenses is booked on interest bearing deposits or financial liabilities whose expenses is booked in statement of profit or loss under interest expenses. The net difference between these income and expenses is referred as Net Interest Income (NII). |
NII being the major source of Bank’s revenue is a primary area to focus for Banks. NII of 13 Commercial Banks shows negative growth whereas of 7 Banks managed to increase their NII as on Ashadh 2081. Leading the NII in terms of highest amount is Global IME Bank with NII of Rs.16,637.92 Million followed by Nabil Bank with Rs.16,207.01 Million. Though the Y-o-Y growth of both the banks is down by 2.74% and 8.69% respectively. In terms of highest Y-O-Y growth Laxmi Sunrise Bank managed to increase its NII by hefty 103.97% from Rs.5,656.69 Million to Rs.11,598.89 Million thanks to its merger synergy. In terms of lowest Y-o-Y growth, Standard Chartered Bank Nepal’s NII fell by 13.46% followed by NIC ASIA Bank and Rastriya Banijye Bank with fall of 13.39% each. In terms of amount lowest NII was reported by Machhapuchhere Bank Limited of Rs.5,009.09 Million. Industry Average NII growth stands at 3.16%.
Rs. in Million
|
Bank |
Ashadh 2080 |
Ashadh 2081 |
Change (Rs.) |
Change% |
Ranking |
|
Global |
17,106.99 |
16,637.92 |
(469.07) |
-2.74% |
1 |
|
Nabil |
17,748.84 |
16,207.01 |
(1,541.83) |
-8.69% |
2 |
|
NIMB |
12,307.10 |
15,017.17 |
2,710.07 |
22.02% |
3 |
|
Parbhu |
10,066.44 |
12,022.55 |
1,956.11 |
19.43% |
4 |
|
HBL |
9,920.78 |
11,619.41 |
1,698.63 |
17.12% |
5 |
|
LaxmiSunrise |
5,686.69 |
11,598.89 |
5,912.20 |
103.97% |
6 |
|
Kumari |
11,066.18 |
10,986.86 |
(79.31) |
-0.72% |
7 |
|
NIC Asia |
12,258.81 |
10,617.17 |
(1,641.64) |
-13.39% |
8 |
|
RBB |
11,816.23 |
10,234.09 |
(1,582.13) |
-13.39% |
9 |
|
ADBL |
8,195.66 |
10,124.28 |
1,928.62 |
23.53% |
10 |
|
NBL |
9,406.95 |
8,802.11 |
(604.84) |
-6.43% |
11 |
|
Prime |
7,140.75 |
8,009.15 |
868.40 |
12.16% |
12 |
|
SBL |
8,184.54 |
7,993.58 |
(190.96) |
-2.33% |
13 |
|
EBL |
7,412.44 |
7,660.55 |
248.11 |
3.35% |
14 |
|
NMB |
8,342.46 |
7,497.06 |
(845.40) |
-10.13% |
15 |
|
Sanima |
6,478.62 |
6,178.06 |
(300.56) |
-4.64% |
16 |
|
Citizen |
5,828.50 |
5,686.16 |
(142.34) |
-2.44% |
17 |
|
SCBNL |
5,956.03 |
5,154.49 |
(801.53) |
-13.46% |
18 |
|
NSBI |
5,767.27 |
5,072.97 |
(694.30) |
-12.04% |
19 |
|
MBL |
5,372.40 |
5,009.09 |
(363.31) |
-6.76% |
20 |
|
Average industry |
9,303.18 |
9,606.43 |
303.25 |
3.16% |
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What Does Net Fee and Commission Income (NFCI) mean to Banks? Net Fees and Commission Income is supplementary source of revenue in addition to Net Interest Income of the Bank consisting of charges, fees or commission on products or services offered by the Bank. Bank’s normally collect loan administration fees, renewal fees, digital banking fees, card issuance fees, remittance commission among others. |
During the review period Nabil Bank managed to collect highest NFCI of Rs. 3,243.28 Million up by 12.04% as compared to earlier year followed by Global IME Bank with NFCI of Rs.2,676.69 Million up by 29.90% as compared to earlier year. Laxmi Sunrise Bank’s NFCI increased by hefty 94.66% during review period, thanks to its merger effect. NIC ASIA Bank, Nepal SBI Bank and Machhapuchhere Bank however encountered negative growth on NFCI with 13.88%, 4.81% and 4.93% fall respectively as compared to Ashadh 2080. In terms of lowest NFCI, Rastriya Banijye Bank collected only Rs.757.89 Million from NFCI. Average industrial growth of NFCI for Commercial Banks remained at 15.08% during the review period.
Rs. in Million
|
Bank |
Ashadh 2080 |
Ashadh 2081 |
Change (Rs.) |
Change% |
Ranking |
|
Nabil |
2,894.79 |
3,243.28 |
348.48 |
12.04% |
1 |
|
Global |
2,060.57 |
2,676.69 |
616.12 |
29.90% |
2 |
|
Kumari |
1,513.31 |
2,117.05 |
603.75 |
39.90% |
3 |
|
NIC Asia |
2,322.48 |
2,000.08 |
(322.40) |
-13.88% |
4 |
|
LaxmiSunrise |
983.42 |
1,914.36 |
930.94 |
94.66% |
5 |
|
Parbhu |
1,592.59 |
1,910.50 |
317.91 |
19.96% |
6 |
|
NIMB |
1,601.35 |
1,780.19 |
178.83 |
11.17% |
7 |
|
NMB |
1,546.86 |
1,674.40 |
127.54 |
8.24% |
8 |
|
Prime |
1,176.23 |
1,546.14 |
369.91 |
31.45% |
9 |
|
ADBL |
1,158.21 |
1,428.28 |
270.07 |
23.32% |
10 |
|
SCBNL |
1,283.93 |
1,415.78 |
131.85 |
10.27% |
11 |
|
SBL |
1,345.62 |
1,391.81 |
46.19 |
3.43% |
12 |
|
EBL |
1,075.59 |
1,343.22 |
267.62 |
24.88% |
13 |
|
NBL |
831.07 |
1,222.91 |
391.84 |
47.15% |
14 |
|
NSBI |
1,188.00 |
1,130.81 |
(57.19) |
-4.81% |
15 |
|
Citizen |
876.78 |
1,124.98 |
248.19 |
28.31% |
16 |
|
MBL |
1,144.04 |
1,087.63 |
(56.42) |
-4.93% |
17 |
|
HBL |
967.09 |
1,040.45 |
73.36 |
7.59% |
18 |
|
Sanima |
797.70 |
1,018.34 |
220.64 |
27.66% |
19 |
|
RBB |
664.50 |
757.89 |
93.40 |
14.05% |
20 |
|
Average industry |
1,351.21 |
1,591.24 |
240.03 |
15.08% |
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What Does Impairment Charges mean to Banks?Impairment Charges are charges recognized as expenses by Banks when Bank expects that they will not recover full amount of expected cash flows of loans. Impairment Charges are reversed if the expected cash flows are lateral realized. Banks try to minimize their Impairment Charges to increase their profitability through stronger recovery actions. |
Impairment charges of overall industry decreased by 35.96% on average during the review period. Impairment Charges of Rastriya Banijye Bank decreased by hefty Rs.2,68 Billion i.e. by 102.87% as compared to Ashadh 2080. RBB has the impairment reversal of Rs.74.95 Million during Ashadh 2081. Standard Chartered Bank Nepal has the second lowest impairment charges whose impairment charges decreased by 63.88% as on Ashadh 2081. Global IME Bank has the highest impairment charges of Rs.3743.30 Million followed by Kumari Bank with Rs.3,564.28 Million of impairment charges. Highest Year-on-Year growth on impairment charges was reported by NIC ASIA Bank with massive 293.97% increment from Rs.721.96 Million to Rs.2844.33 Million. Laxmi Sunrise Bank also reported increase by 222.34% on its impairment charges from Rs.1060.7 Million to Rs.3419.05 Million.
Rs. in Million
|
Bank |
Ashadh 2080 |
Ashadh 2081 |
Change (Rs.) |
Change% |
Ranking |
|
RBB |
2,608.61 |
(74.95) |
(2,683.55) |
-102.87% |
1 |
|
SCBNL |
598.25 |
216.11 |
(382.13) |
-63.88% |
2 |
|
EBL |
771.36 |
282.40 |
(488.96) |
-63.39% |
3 |
|
Parbhu |
5,210.17 |
556.81 |
(4,653.36) |
-89.31% |
4 |
|
NSBI |
1,511.19 |
636.39 |
(874.80) |
-57.89% |
5 |
|
MBL |
1,148.26 |
1,072.20 |
(76.06) |
-6.62% |
6 |
|
SBL |
1,187.56 |
1,231.69 |
44.13 |
3.72% |
7 |
|
ADBL |
1,458.17 |
1,233.61 |
(224.56) |
-15.40% |
8 |
|
Prime |
4,106.19 |
1,243.85 |
(2,862.34) |
-69.71% |
9 |
|
Sanima |
1,053.11 |
1,494.37 |
441.27 |
41.90% |
10 |
|
Citizen |
1,216.48 |
1,765.22 |
548.74 |
45.11% |
11 |
|
NMB |
1,453.82 |
1,921.08 |
467.26 |
32.14% |
12 |
|
NBL |
1,113.35 |
2,596.68 |
1,483.33 |
133.23% |
13 |
|
HBL |
4,868.93 |
2,786.82 |
(2,082.11) |
-42.76% |
14 |
|
NIC Asia |
721.96 |
2,844.33 |
2,122.36 |
293.97% |
15 |
|
NIMB |
3,200.30 |
3,205.64 |
5.34 |
0.17% |
16 |
|
Nabil |
5,426.27 |
3,224.39 |
(2,201.88) |
-40.58% |
17 |
|
LaxmiSunrise |
1,060.70 |
3,419.05 |
2,358.35 |
222.34% |
18 |
|
Kumari |
8,115.80 |
3,564.28 |
(4,551.52) |
-56.08% |
19 |
|
Global |
3,426.14 |
3,743.30 |
317.16 |
9.26% |
20 |
|
Average industry |
2,512.83 |
1,848.16 |
(664.67) |
-35.96% |
|
What Does Personnel Expenses mean to Banks? Personnel expenses includes expenses related to employees of the Bank. Personnel Expenses mostly include staff’s salary, allowances, pension, gratuity, contribution to provident fund, training expenses, uniform expenses, insurance, staff bonus, finance expense under NFRS etc. Banks are required to create provision for staff bonus which is a mandatory requirement under the requirement of the Bonus Act, 2074. Amount of bonus is not included here under analysis. |
Standard Chartered Bank seems to have well managed its Personnel expenses with lowest Personal Expenses as on Ashadh 2081 of 1,061.37 Million followed by Sanima Bank with 1504.41 Million. Highest personnel expense was reported by NIC ASIA with Rs.4,217.33 Million followed by Rastriye Banijye Bank with Rs.4,103.43 Million. In terms of highest Y-o-Y growth, Laxmi Sunrise Bank’s personnel expenses excluding bonus increased by 144.54% followed by Kumari Bank with 89.14% increment. Overall Industry’s average personnel expenses remained at Rs. 2780.19 Million up by 426.39 Million with increment of 15.34% y-o-y.
Rs. in Million
|
Bank |
Ashadh 2080 |
Ashadh 2081 |
Change (Rs.) |
Change% |
Ranking |
|
SCBNL |
991.72 |
1,061.37 |
69.65 |
7.02% |
1 |
|
Sanima |
1,347.56 |
1,504.41 |
156.86 |
11.64% |
2 |
|
Prime |
1,380.25 |
1,524.75 |
144.50 |
10.47% |
3 |
|
NSBI |
1,661.67 |
1,641.53 |
(20.14) |
-1.21% |
4 |
|
Citizen |
1,610.29 |
1,649.60 |
39.31 |
2.44% |
5 |
|
EBL |
1,594.79 |
1,663.01 |
68.23 |
4.28% |
6 |
|
MBL |
1,861.06 |
1,901.59 |
40.54 |
2.18% |
7 |
|
NMB |
2,177.05 |
2,270.58 |
93.54 |
4.30% |
8 |
|
SBL |
2,344.98 |
2,450.67 |
105.69 |
4.51% |
9 |
|
HBL |
1,841.03 |
2,748.92 |
907.89 |
49.31% |
10 |
|
NIMB |
2,443.29 |
3,062.09 |
618.80 |
25.33% |
11 |
|
ADBL |
3,274.63 |
3,197.73 |
(76.90) |
-2.35% |
12 |
|
NBL |
3,395.34 |
3,419.52 |
24.18 |
0.71% |
13 |
|
Nabil |
3,493.85 |
3,677.88 |
184.03 |
5.27% |
14 |
|
Global |
3,204.92 |
3,774.16 |
569.24 |
17.76% |
15 |
|
LaxmiSunrise |
1,545.83 |
3,780.21 |
2,234.37 |
144.54% |
16 |
|
Kumari |
2,098.53 |
3,969.06 |
1,870.54 |
89.14% |
17 |
|
Parbhu |
3,130.34 |
3,985.93 |
855.59 |
27.33% |
18 |
|
RBB |
3,403.12 |
4,103.43 |
700.31 |
20.58% |
19 |
|
NIC Asia |
4,275.72 |
4,217.33 |
(58.39) |
-1.37% |
20 |
|
Average industry |
2,353.80 |
2,780.19 |
426.39 |
15.34% |
Prime Commercial Bank seems to have best managed its per branch staff expenses with lowest per branch expenses of Rs.7.82 Million, followed by Citizen’s Bank with Rs.8.25 Million. Some of the Banks like ADBL, NIC ASIA and Nepal SBI Bank managed to reduce its per branch staff expenses excluding bonus by 2.35%, 1.37%, and 1.21% respectively. In terms of highest per branch staff expenses, Standard Chartered Bank Nepal has the highest per branch staff expenses of Rs.70.76 Million followed by Himalayan Bank with Rs.14.10 Million. Average Per branch staff expenses increase by 12.05% on Y-o-Y basis.
Rs. in Million
|
Bank |
Ashadh 2080 |
Ashadh 2081 |
Change (Rs.) |
Change% |
Ranking |
|
Prime |
7.08 |
7.82 |
0.74 |
10.47% |
1 |
|
Citizen |
8.05 |
8.25 |
0.20 |
2.44% |
2 |
|
Global |
7.37 |
8.68 |
1.31 |
17.76% |
3 |
|
NIC Asia |
8.91 |
8.79 |
(0.12) |
-1.37% |
4 |
|
NIMB |
7.19 |
9.01 |
1.82 |
25.33% |
5 |
|
Parbhu |
8.03 |
10.22 |
2.19 |
27.33% |
6 |
|
MBL |
10.34 |
10.56 |
0.23 |
2.18% |
7 |
|
NMB |
10.37 |
10.81 |
0.45 |
4.30% |
8 |
|
ADBL |
11.29 |
11.03 |
(0.27) |
-2.35% |
9 |
|
Sanima |
9.98 |
11.14 |
1.16 |
11.64% |
10 |
|
Kumari |
6.00 |
11.34 |
5.34 |
89.14% |
11 |
|
RBB |
9.59 |
11.56 |
1.97 |
20.58% |
12 |
|
NBL |
11.71 |
11.79 |
0.08 |
0.71% |
13 |
|
SBL |
11.72 |
12.25 |
0.53 |
4.51% |
14 |
|
EBL |
11.81 |
12.32 |
0.51 |
4.28% |
15 |
|
Nabil |
12.05 |
12.68 |
0.63 |
5.27% |
16 |
|
LaxmiSunrise |
5.42 |
13.26 |
7.84 |
144.54% |
17 |
|
NSBI |
13.85 |
13.68 |
(0.17) |
-1.21% |
18 |
|
HBL |
9.44 |
14.10 |
4.66 |
49.31% |
19 |
|
SCBNL |
66.11 |
70.76 |
4.64 |
7.02% |
20 |
|
Average industry |
12.32 |
14.00 |
1.69 |
12.05% |
|
What Does Operating Expenses mean to Banks? Operating expenses of the Bank includes day to day operation related expenses and consists of Personnel Expenses, Depreciation and Amortization and other operating expenses of the Bank like Operating Expenses consists of Administration Expenses, Audit Fees, Lease Expenses among others. |
Operating Expenses Performance Analysis:
Prime Commercial Bank seems to have best managed its operating expenses with lowest Operating Expenses of Rs.529.40 Million as on Ashadh 2081. Highest amount of operating expenses was reported by Global IME Bank of Rs.2256.81 Million. In terms of highest Y-o-Y growth, Operating Expenses of Laxmi Sunrise Bank increased by 97.43% as compared to previous year, majorly impacted by merger between Laxmi and Sunrise bank. Standard Chartered Bank Nepal and Nepal SBI Bank managed to decrease their operating expenses by 3.12% and 1.53% respectively during the review period. Overall Industry’s average operating expenses grew by 12.48% y-o-y.
Rs. in Million
|
Bank |
Ashadh 2080 |
Ashadh 2081 |
Change (Rs.) |
Change% |
Ranking |
|
Prime |
527.88 |
529.40 |
1.52 |
0.29% |
1 |
|
SCBNL |
571.03 |
553.20 |
(17.83) |
-3.12% |
2 |
|
NSBI |
701.81 |
691.04 |
(10.77) |
-1.53% |
3 |
|
Sanima |
704.68 |
750.52 |
45.84 |
6.51% |
4 |
|
MBL |
801.94 |
820.12 |
18.18 |
2.27% |
5 |
|
Citizen |
901.91 |
948.75 |
46.84 |
5.19% |
6 |
|
SBL |
917.44 |
982.61 |
65.17 |
7.10% |
7 |
|
ADBL |
995.69 |
999.75 |
4.06 |
0.41% |
8 |
|
EBL |
736.67 |
1,039.68 |
303.01 |
41.13% |
9 |
|
NBL |
916.77 |
1,074.84 |
158.07 |
17.24% |
10 |
|
Kumari |
1,019.95 |
1,111.29 |
91.34 |
8.96% |
11 |
|
HBL |
1,076.99 |
1,284.29 |
207.30 |
19.25% |
12 |
|
NMB |
1,192.03 |
1,286.80 |
94.77 |
7.95% |
13 |
|
RBB |
1,165.72 |
1,339.08 |
173.36 |
14.87% |
14 |
|
Parbhu |
1,483.90 |
1,563.06 |
79.17 |
5.33% |
15 |
|
NIMB |
1,184.02 |
1,566.47 |
382.45 |
32.30% |
16 |
|
LaxmiSunrise |
821.75 |
1,622.41 |
800.66 |
97.43% |
17 |
|
Nabil |
1,528.76 |
1,685.44 |
156.68 |
10.25% |
18 |
|
NIC Asia |
2,026.03 |
2,060.43 |
34.39 |
1.70% |
19 |
|
Global |
1,875.36 |
2,256.81 |
381.45 |
20.34% |
20 |
|
Average industry |
1,057.52 |
1,208.30 |
150.78 |
12.48% |
In terms of per branch operating expenses also, Prime Commercial Bank seems to have lowest per branch operating costs of Rs. 2.71 Million followed by Kumari Bank with Rs.3.18 Million. In terms of Year-on-Year variance Nepal SBI Bank and Standard Chartered Bank Nepal were the only two banks whose per branch operating expenses has decreased as compared to earlier year by 1.53% and 3.12% respectively whereas Laxmi Sunrise Bank’s per branch operating expenses increased by hefty 97.43% during the review period due to its merger effect. Overall Industry’s average per branch operating expenses grew by 8.06% y-o-y.
Rs. in Million
|
Bank |
Ashadh 2080 |
Ashadh 2081 |
Change (Rs.) |
Change% |
Ranking |
|
Prime |
2.71 |
2.71 |
0.01 |
0.29% |
1 |
|
Kumari |
2.91 |
3.18 |
0.26 |
8.96% |
2 |
|
ADBL |
3.43 |
3.45 |
0.01 |
0.41% |
3 |
|
NBL |
3.16 |
3.71 |
0.55 |
17.24% |
4 |
|
RBB |
3.28 |
3.77 |
0.49 |
14.87% |
5 |
|
Parbhu |
3.80 |
4.01 |
0.20 |
5.33% |
6 |
|
NIC Asia |
4.22 |
4.29 |
0.07 |
1.70% |
7 |
|
MBL |
4.46 |
4.56 |
0.10 |
2.27% |
8 |
|
NIMB |
3.48 |
4.61 |
1.12 |
32.30% |
9 |
|
Citizen |
4.51 |
4.74 |
0.23 |
5.19% |
10 |
|
SBL |
4.59 |
4.91 |
0.33 |
7.10% |
11 |
|
Global |
4.31 |
5.19 |
0.88 |
20.34% |
12 |
|
Sanima |
5.22 |
5.56 |
0.34 |
6.51% |
13 |
|
LaxmiSunrise |
2.88 |
5.69 |
2.81 |
97.43% |
14 |
|
NSBI |
5.85 |
5.76 |
(0.09) |
-1.53% |
15 |
|
Nabil |
5.27 |
5.81 |
0.54 |
10.25% |
16 |
|
NMB |
5.68 |
6.13 |
0.45 |
7.95% |
17 |
|
HBL |
5.52 |
6.59 |
1.06 |
19.25% |
18 |
|
EBL |
5.46 |
7.70 |
2.24 |
41.13% |
19 |
|
SCBNL |
38.07 |
36.88 |
(1.19) |
-3.12% |
20 |
|
Average industry |
5.94 |
6.46 |
0.52 |
8.06% |
|
What Does Loan Write-offs mean to Banks? Loans are written off by the Banks when Bank’s consider loans to be uncollectable even after necessary recovery efforts from the Bank. Written off loans are removed from Bank’s Balance Sheet and are booked as expenses under non-operating expenses of the Bank reducing Bank’s profit. |
During the review period Nepal Bank and Nepal SBI Bank have not written-offs any loans whereas highest value of loan was written-off by Himalayan Bank Limited of Rs.1,124.35 Million followed by NIC ASIA Bank with written off loan of Rs.1097.30 Million. In terms of Y-o-Y comparison Prime Commercial Bank’s write-off expenses surged by 270.04%. Overall Industry’s average Loan Write-off expenses decreased by 2.69% y-o-y.
Rs. in Million
|
Bank |
Ashadh 2080 |
Ashadh 2081 |
Change (Rs.) |
Change% |
Ranking |
|
HBL |
1,070.45 |
1,124.35 |
53.90 |
5.04% |
1 |
|
NIC Asia |
377.89 |
1,097.30 |
719.41 |
190.37% |
2 |
|
NIMB |
1,300.82 |
732.10 |
(568.72) |
-43.72% |
3 |
|
LaxmiSunrise |
240.38 |
294.56 |
54.18 |
22.54% |
4 |
|
Prime |
72.08 |
266.71 |
194.63 |
270.04% |
5 |
|
Global |
273.50 |
183.68 |
(89.82) |
-32.84% |
6 |
|
NMB |
76.15 |
166.29 |
90.15 |
118.38% |
7 |
|
MBL |
54.23 |
97.37 |
43.14 |
79.55% |
8 |
|
Sanima |
54.99 |
95.96 |
40.97 |
74.51% |
9 |
|
Nabil |
274.88 |
89.74 |
(185.14) |
-67.35% |
10 |
|
SCBNL |
19.54 |
26.39 |
6.85 |
35.05% |
11 |
|
Kumari |
13.76 |
21.71 |
7.95 |
57.82% |
12 |
|
SBL |
101.19 |
20.26 |
(80.93) |
-79.98% |
13 |
|
Citizen |
79.57 |
19.52 |
(60.05) |
-75.47% |
14 |
|
RBB |
- |
6.72 |
6.72 |
0.00% |
15 |
|
Parbhu |
157.09 |
3.00 |
(154.09) |
-98.09% |
16 |
|
EBL |
1.29 |
2.23 |
0.94 |
73.17% |
17 |
|
ADBL |
26.37 |
0.05 |
(26.32) |
-99.81% |
18 |
|
NBL |
- |
- |
- |
0.00% |
19 |
|
NSBI |
- |
- |
- |
0.00% |
20 |
|
Average industry |
209.71 |
212.40 |
2.69 |
1.27% |
|
What Does Net Profit After Tax (NPAT) mean to Banks? Net Profit After Tax (NPAT) means the final profit after deduction of all the expenses and taxes of the Bank. Net Profit helps to judge the profitability healthiness of the Bank. Higher the NPAT better is the bank’s performance in terms of return to shareholders. |
Average Net Profit After Tax of overall commercial banks grew at 11.81% Y-o-Y. Nabil Bank reported highest net profit as on Ashadh 2081 with Rs.7,060.03 Million followed by Global IME Bank with Rs.6,016.22 Million. Highest Y-o-Y increase in Net Profit was reported by Prabhu Bank with 1499.03% increment in Net Profit thanks to its impairment reversal by Rs.4.65 Billion. Prabhu Bank is followed by Kumari Bank with 345.67% Y-o-Y increment whose impairment charges were reversed by Rs.4.55 Billion. In terms of negative growth, NPAT of NIC ASIA decreased by 68.91% and remained at Rs.1381.87 Million. Lowest Net profit was reported by Machhapuchhere Bank with net profit of Rs. 1250.17 Million.
Rs. in Million
|
Bank |
Ashadh 2080 |
Ashadh 2081 |
Change (Rs.) |
Change% |
Ranking |
|
Nabil |
6,404.94 |
7,060.03 |
655.10 |
10.23% |
1 |
|
Global |
6,694.36 |
6,016.22 |
(678.14) |
-10.13% |
2 |
|
NIMB |
3,720.83 |
5,198.32 |
1,477.49 |
39.71% |
3 |
|
Parbhu |
280.22 |
4,480.81 |
4,200.59 |
1499.03% |
4 |
|
Prime |
1,027.90 |
3,774.30 |
2,746.40 |
267.19% |
5 |
|
EBL |
3,362.12 |
3,700.65 |
338.53 |
10.07% |
6 |
|
ADBL |
1,323.41 |
3,655.66 |
2,332.25 |
176.23% |
7 |
|
RBB |
3,595.13 |
3,398.21 |
(196.92) |
-5.48% |
8 |
|
SCBNL |
3,465.33 |
3,308.95 |
(156.38) |
-4.51% |
9 |
|
LaxmiSunrise |
2,285.24 |
3,034.54 |
749.30 |
32.79% |
10 |
|
SBL |
3,166.77 |
3,015.54 |
(151.24) |
-4.78% |
11 |
|
HBL |
1,562.82 |
2,838.05 |
1,275.23 |
81.60% |
12 |
|
Sanima |
2,605.79 |
2,381.94 |
(223.85) |
-8.59% |
13 |
|
NMB |
3,222.55 |
2,336.60 |
(885.95) |
-27.49% |
14 |
|
Kumari |
517.92 |
2,308.21 |
1,790.29 |
345.67% |
15 |
|
NSBI |
1,967.51 |
2,013.72 |
46.21 |
2.35% |
16 |
|
NBL |
3,437.58 |
1,656.83 |
(1,780.75) |
-51.80% |
17 |
|
NIC Asia |
4,444.77 |
1,381.87 |
(3,062.90) |
-68.91% |
18 |
|
Citizen |
1,863.76 |
1,342.47 |
(521.29) |
-27.97% |
19 |
|
MBL |
1,625.53 |
1,250.17 |
(375.36) |
-23.09% |
20 |
|
Average industry |
2,828.72 |
3,207.65 |
378.93 |
11.81% |
|
What Does Distributable Profit and DPS mean to Banks? Distributable Profit (DP) means the final profit which is available for distribution to shareholders. If the same distributable profit is divided by number of available shares with Bank then Dividend Per Share (DPS) is derived which shows how much dividend a share will generate. Higher the distributable profit and DPS better will be the Bank from Shareholders perspective. |
Majority of commercial banks reported positive distributable profit as on Ashadh 2081 except four Banks. Nabil Bank managed to remain at top position with distributable profit of Rs.3,857.34 Million with DPS of Rs.14.26 per share followed by Everest Bank with distributable profit of Rs.3,514.47 Million with DPS of Rs.29.86 per share. Significant raise in distributable profit was reported by Nepal Bank Limited with raise in Distributable profit from Rs.0.39 Million to Rs.769.31 Million with significant recovery of previous accrued interest. NIMB, Kumari Bank, NIC ASIA and Himalayan Bank reported negative DPS of Rs.10.05, Rs.14.45, Rs.15.45 and Rs.26.71 respectively. Industrial average distributable profit remained at 381.13 Million as on Ashadh 2081.
Rs. in Million
|
Distributable Profit (Million) |
|||||
|
Bank |
Ashadh 2080 |
Ashadh 2081 |
Change (Rs.) |
Change% |
Ranking |
|
Nabil |
3,187.06 |
3,857.34 |
670.29 |
21.03% |
1 |
|
EBL |
4,110.49 |
3,514.47 |
(596.02) |
-14.50% |
2 |
|
ADBL |
1,243.17 |
2,662.76 |
1,419.59 |
114.19% |
3 |
|
SCBNL |
2,710.56 |
2,499.17 |
(211.39) |
-7.80% |
4 |
|
Sanima |
2,215.04 |
1,412.31 |
(802.73) |
-36.24% |
5 |
|
LaxmiSunrise |
1,728.33 |
1,287.18 |
(441.16) |
-25.52% |
6 |
|
Parbhu |
(2,236.37) |
1,223.95 |
3,460.32 |
154.73% |
7 |
|
Prime |
(666.95) |
1,199.67 |
1,866.63 |
279.87% |
8 |
|
NSBI |
1,070.55 |
1,130.20 |
59.65 |
5.57% |
9 |
|
Global |
3,243.36 |
1,104.57 |
(2,138.79) |
-65.94% |
10 |
|
NBL |
0.39 |
769.31 |
768.92 |
197178.29% |
11 |
|
Citizen |
846.99 |
616.16 |
(230.83) |
-27.25% |
12 |
|
RBB |
918.41 |
582.20 |
(336.21) |
-36.61% |
13 |
|
MBL |
1,448.53 |
466.45 |
(982.08) |
-67.80% |
14 |
|
SBL |
663.61 |
366.66 |
(296.95) |
-44.75% |
15 |
|
NMB |
1,140.83 |
238.97 |
(901.86) |
-79.05% |
16 |
|
NIC Asia |
3,534.23 |
(2,304.06) |
(5,838.29) |
-165.19% |
17 |
|
NIMB |
(3,471.72) |
(3,430.97) |
40.75 |
1.17% |
18 |
|
Kumari |
(2,202.91) |
(3,789.00) |
(1,586.09) |
-72.00% |
19 |
|
HBL |
(3,242.63) |
(5,784.63) |
(2,542.01) |
-78.39% |
20 |
|
Average industry |
812.05 |
381.13 |
(430.91) |
-113.06% |
|
|
DPS |
||||
|
Bank |
Ashadh 2080 |
Ashadh 2081 |
Change (Rs.) |
Rank |
|
EBL |
38.42 |
29.86 |
(8.56) |
1 |
|
SCBNL |
28.75 |
26.50 |
(2.24) |
2 |
|
Nabil |
11.78 |
14.26 |
2.48 |
3 |
|
ADBL |
6.58 |
14.10 |
7.52 |
4 |
|
NSBI |
10.58 |
10.76 |
0.19 |
5 |
|
Sanima |
17.78 |
10.40 |
(7.38) |
6 |
|
Prime |
(3.44) |
6.18 |
9.62 |
7 |
|
LaxmiSunrise |
7.98 |
5.55 |
(2.42) |
8 |
|
NBL |
0.00 |
5.24 |
5.23 |
9 |
|
Parbhu |
(9.50) |
5.20 |
14.70 |
10 |
|
Citizen |
5.96 |
4.34 |
(1.63) |
11 |
|
MBL |
14.12 |
4.01 |
(10.11) |
12 |
|
RBB |
5.87 |
3.72 |
(2.15) |
13 |
|
Global |
9.07 |
3.06 |
(6.01) |
14 |
|
SBL |
4.71 |
2.60 |
(2.11) |
15 |
|
NMB |
6.21 |
1.30 |
(4.91) |
16 |
|
NIMB |
(10.17) |
(10.05) |
0.12 |
17 |
|
Kumari |
(8.40) |
(14.45) |
(6.05) |
18 |
|
NIC Asia |
30.56 |
(15.45) |
(46.01) |
19 |
|
HBL |
(14.97) |
(26.71) |
(11.74) |
20 |
|
Average industry |
759.46% |
402.18% |
-357.28% |
|
|
What Does Non-Banking Assets (NBA) mean to Banks? If a loan provided is defaulted, then Bank may sell the collateral held and recover the dues of borrower from such collateral sales. However, sometimes the collateral may not be sold and Bank may have to itself take such assets. Such assets are Non-Banking Assets to the Bank, which are shown under Investment Property under Balance Sheets. |
All commercial banks have reported increase in NBA as compared to earlier year except Standard Chartered Bank Nepal which reported zero Non-Banking assets as on Ashadh 2081. Nepal Bank booked Rs.205.74 Million as Non-Banking Assets followed by Rastriye Banijye Bank with NBA of Rs.306.59 Million. Everest Bank and Nepal SBI Bank had not booked any NBA during Ashadh 2080 but both booked NBA of 324.22 Million and 522.30 Million as on Ashadh 2081. Highest amount of NBA was booked by Global IME Bank of Rs. 5040.34 Million in a year up by 190.79% as compared to earlier year. Overall Industry’s NBA increased by 49.31% during the review period.
Rs. in Million
|
Bank |
Ashadh 2080 |
Ashadh 2081 |
Change (Rs.) |
Change (%) |
Ranking |
|
SCBNL |
- |
- |
- |
- |
1 |
|
NBL |
198.11 |
205.74 |
7.63 |
3.85% |
2 |
|
RBB |
196.98 |
305.59 |
108.61 |
55.14% |
3 |
|
NSBI |
- |
324.22 |
324.22 |
100% |
4 |
|
EBL |
- |
522.30 |
522.30 |
100% |
5 |
|
Sanima |
190.17 |
674.00 |
483.83 |
254.41% |
6 |
|
SBL |
654.54 |
727.57 |
73.03 |
11.16% |
7 |
|
Parbhu |
445.35 |
783.05 |
337.69 |
75.83% |
8 |
|
Citizen |
256.13 |
821.26 |
565.13 |
220.64% |
9 |
|
NMB |
697.71 |
851.44 |
153.73 |
22.03% |
10 |
|
ADBL |
248.65 |
943.09 |
694.44 |
279.28% |
11 |
|
MBL |
609.94 |
1,201.90 |
591.97 |
97.05% |
12 |
|
LaxmiSunrise |
1,275.16 |
1,563.13 |
287.97 |
22.58% |
13 |
|
Prime |
1,413.05 |
1,911.87 |
498.82 |
35.30% |
14 |
|
Kumari |
1,263.21 |
1,913.18 |
649.97 |
51.45% |
15 |
|
HBL |
589.16 |
2,414.93 |
1,825.77 |
309.89% |
16 |
|
Nabil |
1,827.07 |
2,962.63 |
1,135.57 |
62.15% |
17 |
|
NIMB |
1,164.97 |
3,016.50 |
1,851.53 |
158.93% |
18 |
|
NIC Asia |
2,718.43 |
4,361.67 |
1,643.24 |
60.45% |
19 |
|
Global |
1,733.32 |
5,040.34 |
3,307.02 |
190.79% |
20 |
|
Average industry |
774.10 |
1,527.22 |
753.12 |
49.31% |
|
What Does Base Rate mean to Banks? Base Rate is the floor rate upon which premium is charged by Banks to derive lending rate. Base rate consists of Cost of Fund, Cost of CRR, Cost of SLR and Operating Costs of the Bank. Higher base rate means Banks are obtaining funds at higher rate and lower base rate means banks are obtaining funds at lower rates. Higher Base rate also means expensive lending rates and lower base rate means cheaper lending rates. |
During the review period Industry average base rate remained at 8.09%. As compared to earlier year, Base rate of all the commercial banks have decreased due to falling cost of deposits. Standard Chartered Bank Nepal has the lowest Base Rate of 6.60% whereas NIC ASIA Bank’s base rate of 9.19% is the highest amongst peer.
|
Bank |
Ashadh 2080 |
Ashadh 2081 |
Change (Rs.) |
Change% |
Ranking |
|
SCBNL |
9.02% |
6.60% |
-2.42% |
-26.83% |
1 |
|
RBB |
7.79% |
7.01% |
-0.78% |
-10.01% |
2 |
|
EBL |
9.47% |
7.29% |
-2.18% |
-23.02% |
3 |
|
Nabil |
9.52% |
7.63% |
-1.89% |
-19.85% |
4 |
|
NIMB |
9.57% |
7.82% |
-1.75% |
-18.29% |
5 |
|
Sanima |
10.15% |
7.83% |
-2.32% |
-22.86% |
6 |
|
NBL |
9.92% |
7.97% |
-1.95% |
-19.66% |
7 |
|
Parbhu |
10.16% |
8.02% |
-2.14% |
-21.06% |
8 |
|
ADBL |
10.06% |
8.09% |
-1.97% |
-19.58% |
9 |
|
Global |
10.20% |
8.09% |
-2.11% |
-20.69% |
9 |
|
SBL |
9.91% |
8.11% |
-1.80% |
-18.16% |
11 |
|
MBL |
10.74% |
8.26% |
-2.48% |
-23.09% |
12 |
|
Citizen |
10.51% |
8.26% |
-2.25% |
-21.41% |
12 |
|
NSBI |
10.74% |
8.30% |
-2.44% |
-22.72% |
14 |
|
NMB |
10.37% |
8.42% |
-1.95% |
-18.80% |
15 |
|
Prime |
10.57% |
8.49% |
-2.08% |
-19.68% |
16 |
|
LaxmiSunrise |
10.75% |
8.52% |
-2.23% |
-20.74% |
17 |
|
Kumari |
10.90% |
8.89% |
-2.01% |
-18.44% |
18 |
|
HBL |
10.86% |
9.08% |
-1.78% |
-16.39% |
19 |
|
NIC Asia |
9.98% |
9.19% |
-0.79% |
-7.92% |
20 |
|
Average industry |
10.06% |
8.09% |
-1.97% |
|
|
What Does Earning Per Share mean to Banks? Earnings Per Share (EPS) is the amount of profit earned by the Bank equivalent to each of its share. Higher the EPS, better it is and vice versa. It is computed by dividing Net Profit by total number of shares of the Bank. |
Standard Chartered Bank Nepal Bank has the highest EPS of Rs.35.09 per share followed by Everest Bank with Rs.31.45 per share. 11 banks have their EPS below industrial average of 17.80 whereas 9 banks have their EPS above industrial average. Kumari Bank has the lowest EPS of Rs. 8.80 per share as on Ashadh 2081.
|
Bank |
Ashadh 2080 |
Ashadh 2081 |
Change (Rs.) |
Change% |
Ranking |
|
SCBNL |
37.39 |
35.09 |
(2.30) |
-6.15% |
1 |
|
EBL |
31.43 |
31.45 |
0.02 |
0.06% |
2 |
|
Nabil |
23.67 |
26.09 |
2.42 |
10.22% |
3 |
|
ADBL |
7.90 |
24.75 |
16.85 |
213.29% |
4 |
|
RBB |
24.22 |
21.73 |
(2.49) |
-10.28% |
5 |
|
SBL |
22.48 |
21.40 |
(1.08) |
-4.80% |
6 |
|
Prime |
5.30 |
19.45 |
14.15 |
266.98% |
7 |
|
NSBI |
18.74 |
19.18 |
0.44 |
2.35% |
8 |
|
Parbhu |
1.19 |
19.03 |
17.84 |
1499.16% |
9 |
|
Sanima |
20.91 |
17.54 |
(3.37) |
-16.12% |
10 |
|
Global |
22.06 |
16.65 |
(5.41) |
-24.52% |
11 |
|
NIMB |
13.92 |
15.23 |
1.31 |
9.41% |
12 |
|
HBL |
9.18 |
13.10 |
3.92 |
42.70% |
13 |
|
LaxmiSunrise |
14.61 |
13.09 |
(1.52) |
-10.40% |
14 |
|
NMB |
17.55 |
12.72 |
(4.83) |
-27.52% |
15 |
|
NBL |
23.39 |
11.28 |
(12.11) |
-51.77% |
16 |
|
MBL |
13.99 |
10.76 |
(3.23) |
-23.09% |
17 |
|
Citizen |
13.12 |
9.45 |
(3.67) |
-27.97% |
18 |
|
NIC Asia |
38.44 |
9.26 |
(29.18) |
-75.91% |
19 |
|
Kumari |
1.97 |
8.80 |
6.83 |
346.70% |
20 |
|
Average industry |
18.07 |
17.80 |
(0.27) |
-1.52% |
|
What Does Non-Performing Loan mean to Banks? Non-Performing Loans (NPL) are those loans which are classified under Doubtful, Substandard and Bad as per the NRB provisions. Higher Non-Performing Loans ratio means higher probability of loan defaults, so Banks try to maintain NPL as low as possible. |
Industry Average non-performing loan (NPL) of overall industry remained at 3.54% as on Ashadh 2081. Higher NPL triggers increased risk of credit defaults and lower changes of credit recovery, so bank’s try to restrict their NPL as low as possible. During the review period, Everest Bank managed to keep its NPL at 0.71% which is lowest amongst peers, followed by Sanima Bank with 1.73% NPL. Highest NPL was reported by Kumari Bank and NIMB Bank with NPL of 4.95% each as on Ashadh 2081. Considering Y-o-Y growth, NPL of NIC ASIA Bank’s growth of 2.53% was highest amongst the peer.
|
Bank |
Ashadh 2080 |
Ashadh 2081 |
YOY Change |
Ranking |
|
EBL |
0.79% |
0.71% |
-0.08% |
1 |
|
Sanima |
1.31% |
1.73% |
0.42% |
2 |
|
NSBI |
2.43% |
2.00% |
-0.43% |
3 |
|
SCBNL |
1.18% |
2.14% |
0.96% |
4 |
|
SBL |
2.01% |
2.22% |
0.21% |
5 |
|
NMB |
2.75% |
3.27% |
0.52% |
6 |
|
NBL |
2.85% |
3.28% |
0.43% |
7 |
|
NIC Asia |
0.88% |
3.41% |
2.53% |
8 |
|
ADBL |
2.78% |
3.44% |
0.66% |
9 |
|
MBL |
2.26% |
3.63% |
1.37% |
10 |
|
RBB |
3.77% |
3.65% |
-0.12% |
11 |
|
Nabil |
3.39% |
3.85% |
0.46% |
12 |
|
Citizen |
3.39% |
4.07% |
0.68% |
13 |
|
Global |
3.15% |
4.37% |
1.22% |
14 |
|
Prime |
4.85% |
4.67% |
-0.18% |
15 |
|
LaxmiSunrise |
2.91% |
4.72% |
1.81% |
16 |
|
Parbhu |
4.98% |
4.78% |
-0.20% |
17 |
|
HBL |
4.93% |
4.91% |
-0.02% |
18 |
|
NIMB |
4.54% |
4.95% |
0.41% |
19 |
|
Kumari |
4.96% |
4.95% |
-0.01% |
19 |
|
Average industry |
3.01% |
3.54% |
0.53% |
|
What Does Cost of Fund mean to Banks? Cost of Fund means the cost incurred by the Bank to obtain funds in a form of deposit or borrowings. It includes cost of local currency deposit and borrowings obtained by the Bank. |
During the review period lowest cost of fund was of Standard Chartered Bank at 3.84% followed by Rastriye Banijye Bank with 4.89%. This means these banks are soliciting funds at lower costs than peers. However, cost of fund of NMB Bank remained highest amongst peer at 7.31% as on Ashadh 2081. Industry average cost of fund remained at 6.09% as on Ashadh 2081.
|
Bank |
Ashadh 2080 |
Ashadh 2081 |
YOY Change |
Ranking |
|
SCBNL |
6.91% |
3.84% |
-3.07% |
1 |
|
RBB |
6.11% |
4.89% |
-1.22% |
2 |
|
NBL |
6.97% |
5.36% |
-1.61% |
3 |
|
EBL |
7.75% |
5.64% |
-2.11% |
4 |
|
Parbhu |
7.83% |
5.77% |
-2.06% |
5 |
|
Nabil |
7.81% |
5.86% |
-1.95% |
6 |
|
NIMB |
7.71% |
5.87% |
-1.84% |
7 |
|
MBL |
7.75% |
5.87% |
-1.88% |
7 |
|
ADBL |
7.51% |
5.88% |
-1.63% |
9 |
|
SBL |
7.82% |
5.95% |
-1.87% |
10 |
|
LaxmiSunrise |
8.38% |
6.11% |
-2.27% |
11 |
|
Sanima |
8.27% |
6.13% |
-2.14% |
12 |
|
Global |
8.18% |
6.21% |
-1.97% |
13 |
|
Citizen |
8.34% |
6.32% |
-2.02% |
14 |
|
Kumari |
8.50% |
6.74% |
-1.76% |
15 |
|
HBL |
8.61% |
6.86% |
-1.75% |
16 |
|
NIC Asia |
7.67% |
6.96% |
-0.71% |
17 |
|
Prime |
8.67% |
7.03% |
-1.64% |
18 |
|
NSBI |
8.20% |
7.12% |
-1.08% |
19 |
|
NMB |
8.31% |
7.31% |
-1.00% |
20 |
|
Average industry |
7.87% |
6.09% |
-1.78% |
|
|
What Does Capital Adequacy Ratio mean to Banks? Capital Adequacy Ratio (CAR) measures the sufficiency of Bank’s capital in terms of its credit, operation and market or liquidity risk weighted exposures. It indicates the sufficiency of Bank’s capital commensurate to risk pertaining to business growth, gross income and open position. NRB has mandated banks to maintain CAR of at least 11% in line with Capital Adequacy Framework, 2015. |
Industrial average CAR remained at 13.01% as on Ashadh 2081. Standard Chartered Bank managed to remain at top with CAR of 17.16% whose Y-o-Y CAR increased by 0.07% as compared to earlier year followed by Machhapuchhere Bank with CAR of 13.83% a raise of 025% from earlier year. Lowest CAR was reported by NIC ASIA of 11.18% followed by Prime Commercial Bank of 11.90%.
|
Bank |
Ashadh 2080 |
Ashadh 2081 |
YOY Change |
Ranking |
|
SCBNL |
17.09% |
17.16% |
0.07% |
1 |
|
MBL |
13.58% |
13.83% |
0.25% |
2 |
|
NIMB |
13.32% |
13.67% |
0.35% |
3 |
|
Sanima |
14.42% |
13.66% |
-0.76% |
4 |
|
NBL |
13.74% |
13.62% |
-0.12% |
5 |
|
Parbhu |
11.87% |
13.55% |
1.68% |
6 |
|
ADBL |
14.24% |
13.44% |
-0.80% |
7 |
|
NSBI |
12.58% |
13.28% |
0.70% |
8 |
|
Citizen |
12.12% |
13.13% |
1.01% |
9 |
|
LaxmiSunrise |
13.21% |
13.11% |
-0.10% |
10 |
|
NMB |
13.33% |
12.82% |
-0.51% |
11 |
|
EBL |
13.36% |
12.61% |
-0.75% |
12 |
|
Global |
13.34% |
12.53% |
-0.81% |
13 |
|
Nabil |
12.54% |
12.39% |
-0.15% |
14 |
|
Kumari |
12.11% |
12.26% |
0.15% |
15 |
|
SBL |
12.47% |
12.15% |
-0.32% |
16 |
|
HBL |
12.31% |
12.04% |
-0.27% |
17 |
|
RBB |
12.92% |
11.91% |
-1.01% |
18 |
|
Prime |
12.10% |
11.90% |
-0.20% |
19 |
|
NIC Asia |
13.39% |
11.18% |
-2.21% |
20 |
|
Average industry |
13.20% |
13.01% |
-0.19% |
|
|
What Does CD Ratio mean to Banks? Credit to Deposit (CD) ratio is the measure which shows proportion of credit and deposit mix of the Bank. Till Ashadh 2081 Banks were allowed to include 50% of their debenture as part of deposit. NRB has set maximum limit of CD ratio at 90%. Higher CD ratio means higher portion of lending as compared to Bank’s deposit volume and lower CD ration means lower portion of lending as compared to Bank’s deposit volume. Banks try to maintain optimum CD ratio by balancing between credit and deposit mix. |
During the review period industrial average CD ratio remained at 78.48%. Prime Commercial Bank had the highest CD ratio of 86.20% followed by NMB Bank of 83.91%. Lowest CD ratio was reported by Rastriye Banijy Bank of 60.82% a fall by 15.48% as compared to earlier year.
|
Bank |
Ashadh 2080 |
Ashadh 2081 |
Change |
Ranking |
|
Prime |
88.72% |
86.20% |
-2.52% |
1 |
|
NMB |
83.46% |
83.91% |
0.45% |
2 |
|
Nabil |
87.12% |
83.60% |
-3.52% |
3 |
|
HBL |
84.70% |
83.37% |
-1.33% |
4 |
|
MBL |
81.35% |
83.32% |
1.97% |
5 |
|
Citizen |
82.40% |
81.84% |
-0.56% |
6 |
|
Kumari |
86.03% |
81.48% |
-4.55% |
7 |
|
Sanima |
79.00% |
80.53% |
1.53% |
8 |
|
EBL |
82.32% |
80.29% |
-2.03% |
9 |
|
NIMB |
85.05% |
79.22% |
-5.83% |
10 |
|
SBL |
77.16% |
78.70% |
1.54% |
11 |
|
NIC Asia |
83.55% |
77.98% |
-5.57% |
12 |
|
ADBL |
81.73% |
77.80% |
-3.93% |
13 |
|
SCBNL |
75.80% |
76.83% |
1.03% |
14 |
|
Global |
83.47% |
75.87% |
-7.60% |
15 |
|
LaxmiSunrise |
81.64% |
75.83% |
-5.81% |
16 |
|
Parbhu |
80.39% |
74.66% |
-5.73% |
17 |
|
NSBI |
78.99% |
74.35% |
-4.64% |
18 |
|
NBL |
74.84% |
72.99% |
-1.85% |
19 |
|
RBB |
76.30% |
60.82% |
-15.48% |
20 |
|
Average industry |
81.70% |
78.48% |
-3.22% |
|
|
Bank |
Loans (Billion) |
Ranking |
Deposit (Billion) |
Ranking |
Non-Banking Assets (Million) |
Ranking |
|
Nabil |
386.13 |
1 |
468.77 |
2 |
2,962.63 |
17 |
|
Global |
383.22 |
2 |
504.90 |
1 |
5,040.34 |
20 |
|
NIMB |
319.75 |
3 |
406.81 |
4 |
3,016.50 |
18 |
|
Kumari |
283.95 |
4 |
347.83 |
6 |
1,913.18 |
15 |
|
NIC Asia |
283.26 |
5 |
362.44 |
5 |
4,361.67 |
19 |
|
RBB |
260.86 |
6 |
430.71 |
3 |
305.59 |
3 |
|
LaxmiSunrise |
258.36 |
7 |
333.40 |
7 |
1,563.13 |
13 |
|
HBL |
242.82 |
8 |
297.73 |
9 |
2,414.93 |
16 |
|
Parbhu |
234.00 |
9 |
312.23 |
8 |
783.05 |
8 |
|
ADBL |
205.05 |
10 |
243.79 |
12 |
943.09 |
11 |
|
NBL |
203.45 |
11 |
283.56 |
10 |
205.74 |
2 |
|
NMB |
202.55 |
12 |
227.11 |
14 |
851.44 |
10 |
|
SBL |
201.09 |
13 |
244.91 |
11 |
727.57 |
7 |
|
Prime |
190.40 |
14 |
221.37 |
15 |
1,911.87 |
14 |
|
EBL |
187.30 |
15 |
233.39 |
13 |
522.30 |
5 |
|
Sanima |
165.02 |
16 |
199.38 |
16 |
674.00 |
6 |
|
Citizen |
155.15 |
17 |
191.67 |
17 |
821.26 |
9 |
|
NSBI |
132.26 |
18 |
179.24 |
18 |
324.22 |
4 |
|
MBL |
132.21 |
19 |
161.78 |
19 |
1,201.90 |
12 |
|
SCBNL |
88.63 |
20 |
114.83 |
20 |
- |
1 |
|
Average industry |
225.77 |
288.29 |
1,527.22 |
- |
|
Bank |
NII |
Ranking |
Net Fee and Commission Income |
Ranking |
Impairment Charge |
Ranking |
Personnel Expenses(Excluding. Bonus) |
Ranking |
|---|---|---|---|---|---|---|---|---|
|
Global |
16,637.92 |
1 |
2,676.69 |
2 |
3,743.30 |
20 |
3,774.16 |
15 |
|
Nabil |
16,207.01 |
2 |
3,243.28 |
1 |
3,224.39 |
17 |
3,677.88 |
14 |
|
NIMB |
15,017.17 |
3 |
1,780.19 |
7 |
3,205.64 |
16 |
3,062.09 |
11 |
|
Parbhu |
12,022.55 |
4 |
1,910.50 |
6 |
556.81 |
4 |
3,985.93 |
18 |
|
HBL |
11,619.41 |
5 |
1,040.45 |
18 |
2,786.82 |
14 |
2,748.92 |
10 |
|
LaxmiSunrise |
11,598.89 |
6 |
1,914.36 |
5 |
3,419.05 |
18 |
3,780.21 |
16 |
|
Kumari |
10,986.86 |
7 |
2,117.05 |
3 |
3,564.28 |
19 |
3,969.06 |
17 |
|
NIC Asia |
10,617.17 |
8 |
2,000.08 |
4 |
2,844.33 |
15 |
4,217.33 |
20 |
|
RBB |
10,234.09 |
9 |
757.89 |
20 |
(74.95) |
1 |
4,103.43 |
19 |
|
ADBL |
10,124.28 |
10 |
1,428.28 |
10 |
1,233.61 |
8 |
3,197.73 |
12 |
|
NBL |
8,802.11 |
11 |
1,222.91 |
14 |
2,596.68 |
13 |
3,419.52 |
13 |
|
Prime |
8,009.15 |
12 |
1,546.14 |
9 |
1,243.85 |
9 |
1,524.75 |
3 |
|
SBL |
7,993.58 |
13 |
1,391.81 |
12 |
1,231.69 |
7 |
2,450.67 |
9 |
|
EBL |
7,660.55 |
14 |
1,343.22 |
13 |
282.40 |
3 |
1,663.01 |
6 |
|
NMB |
7,497.06 |
15 |
1,674.40 |
8 |
1,921.08 |
12 |
2,270.58 |
8 |
|
Sanima |
6,178.06 |
16 |
1,018.34 |
19 |
1,494.37 |
10 |
1,504.41 |
2 |
|
Citizen |
5,686.16 |
17 |
1,124.98 |
16 |
1,765.22 |
11 |
1,649.60 |
5 |
|
SCBNL |
5,154.49 |
18 |
1,415.78 |
11 |
216.11 |
2 |
1,061.37 |
1 |
|
NSBI |
5,072.97 |
19 |
1,130.81 |
15 |
636.39 |
5 |
1,641.53 |
4 |
|
MBL |
5,009.09 |
20 |
1,087.63 |
17 |
1,072.20 |
6 |
1,901.59 |
7 |
|
Average industry |
9,606.43 |
1,591.24 |
1,848.16 |
2,780.19 |
|
Bank |
Operating Expenses |
Ranking |
Writeoff |
Ranking |
PAT |
Ranking |
Distributable Profit |
Ranking |
|---|---|---|---|---|---|---|---|---|
|
Global |
2,256.81 |
20 |
183.68 |
6 |
6,016.22 |
2 |
1,104.57 |
10 |
|
Nabil |
1,685.44 |
18 |
89.74 |
10 |
7,060.03 |
1 |
3,857.34 |
1 |
|
NIMB |
1,566.47 |
16 |
732.10 |
3 |
5,198.32 |
3 |
(3,430.97) |
18 |
|
Parbhu |
1,563.06 |
15 |
3.00 |
16 |
4,480.81 |
4 |
1,223.95 |
7 |
|
HBL |
1,284.29 |
12 |
1,124.35 |
1 |
2,838.05 |
12 |
(5,784.63) |
20 |
|
LaxmiSunrise |
1,622.41 |
17 |
294.56 |
4 |
3,034.54 |
10 |
1,287.18 |
6 |
|
Kumari |
1,111.29 |
11 |
21.71 |
12 |
2,308.21 |
15 |
(3,789.00) |
19 |
|
NIC Asia |
2,060.43 |
19 |
1,097.30 |
2 |
1,381.87 |
18 |
(2,304.06) |
17 |
|
RBB |
1,339.08 |
14 |
6.72 |
15 |
3,398.21 |
8 |
582.20 |
13 |
|
ADBL |
999.75 |
8 |
0.05 |
18 |
3,655.66 |
7 |
2,662.76 |
3 |
|
NBL |
1,074.84 |
10 |
- |
19 |
1,656.83 |
17 |
769.31 |
11 |
|
Prime |
529.40 |
1 |
266.71 |
5 |
3,774.30 |
5 |
1,199.67 |
8 |
|
SBL |
982.61 |
7 |
20.26 |
13 |
3,015.54 |
11 |
366.66 |
15 |
|
EBL |
1,039.68 |
9 |
2.23 |
17 |
3,700.65 |
6 |
3,514.47 |
2 |
|
NMB |
1,286.80 |
13 |
166.29 |
7 |
2,336.60 |
14 |
238.97 |
16 |
|
Sanima |
750.52 |
4 |
95.96 |
9 |
2,381.94 |
13 |
1,412.31 |
5 |
|
Citizen |
948.75 |
6 |
19.52 |
14 |
1,342.47 |
19 |
616.16 |
12 |
|
SCBNL |
553.20 |
2 |
26.39 |
11 |
3,308.95 |
9 |
2,499.17 |
4 |
|
NSBI |
691.04 |
3 |
- |
20 |
2,013.72 |
16 |
1,130.20 |
9 |
|
MBL |
820.12 |
5 |
97.37 |
8 |
1,250.17 |
20 |
466.45 |
14 |
|
Average industry |
1,208.30 |
212.40 |
3,207.65 |
381.13 |
|
Bank |
EPS |
Rank |
DPS |
Rank |
Base Rate |
Rank |
NPL |
Rank |
COF |
Rank |
CAR |
Rank |
CD Raio |
Rank |
|
Global |
16.65 |
11 |
3.06 |
14 |
8.09% |
9 |
4.37% |
14 |
6.21% |
13 |
12.53% |
13 |
75.87% |
15 |
|
Nabil |
26.09 |
3 |
14.26 |
3 |
7.63% |
4 |
3.85% |
12 |
5.86% |
6 |
12.39% |
14 |
83.60% |
3 |
|
NIMB |
15.23 |
12 |
(10.05) |
17 |
7.82% |
5 |
4.95% |
19 |
5.87% |
7 |
13.67% |
3 |
79.22% |
10 |
|
Parbhu |
19.03 |
9 |
5.20 |
10 |
8.02% |
8 |
4.78% |
17 |
5.77% |
5 |
13.55% |
6 |
74.66% |
17 |
|
HBL |
13.1 |
13 |
(26.71) |
20 |
9.08% |
19 |
4.91% |
18 |
6.86% |
16 |
12.04% |
17 |
83.37% |
4 |
|
LaxmiSunrise |
13.09 |
14 |
5.55 |
8 |
8.52% |
17 |
4.72% |
16 |
6.11% |
11 |
13.11% |
10 |
75.83% |
16 |
|
Kumari |
8.8 |
20 |
(14.45) |
18 |
8.89% |
18 |
4.95% |
19 |
6.74% |
15 |
12.26% |
15 |
81.48% |
7 |
|
NIC Asia |
9.26 |
19 |
(15.45) |
19 |
9.19% |
20 |
3.41% |
8 |
6.96% |
17 |
11.18% |
20 |
77.98% |
12 |
|
RBB |
21.73 |
5 |
3.72 |
13 |
7.01% |
2 |
3.65% |
11 |
4.89% |
2 |
11.91% |
18 |
60.82% |
20 |
|
ADBL |
24.75 |
4 |
14.10 |
4 |
8.09% |
9 |
3.44% |
9 |
5.88% |
9 |
13.44% |
7 |
77.80% |
13 |
|
NBL |
11.28 |
16 |
5.24 |
9 |
7.97% |
7 |
3.28% |
7 |
5.36% |
3 |
13.62% |
5 |
72.99% |
19 |
|
Prime |
19.45 |
7 |
6.18 |
7 |
8.49% |
16 |
4.67% |
15 |
7.03% |
18 |
11.90% |
19 |
86.20% |
1 |
|
SBL |
21.4 |
6 |
2.60 |
15 |
8.11% |
11 |
2.22% |
5 |
5.95% |
10 |
12.15% |
16 |
78.70% |
11 |
|
EBL |
31.45 |
2 |
29.86 |
1 |
7.29% |
3 |
0.71% |
1 |
5.64% |
4 |
12.61% |
12 |
80.29% |
9 |
|
NMB |
12.72 |
15 |
1.30 |
16 |
8.42% |
15 |
3.27% |
6 |
7.31% |
20 |
12.82% |
11 |
83.91% |
2 |
|
Sanima |
17.54 |
10 |
10.40 |
6 |
7.83% |
6 |
1.73% |
2 |
6.13% |
12 |
13.66% |
4 |
80.53% |
8 |
|
Citizen |
9.45 |
18 |
4.34 |
11 |
8.26% |
12 |
4.07% |
13 |
6.32% |
14 |
13.13% |
9 |
81.84% |
6 |
|
SCBNL |
35.09 |
1 |
26.50 |
2 |
6.60% |
1 |
2.14% |
4 |
3.84% |
1 |
17.16% |
1 |
76.83% |
14 |
|
NSBI |
19.18 |
8 |
10.76 |
5 |
8.30% |
14 |
2.00% |
3 |
7.12% |
19 |
13.28% |
8 |
74.35% |
18 |
|
MBL |
10.76 |
17 |
4.01 |
12 |
8.26% |
12 |
3.63% |
10 |
5.87% |
7 |
13.83% |
2 |
83.32% |
5 |
|
Average industry |
17.80 |
4.02 |
8.09% |
0.04 |
6.09% |
13.01% |
78.48% |
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