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CLBSL ( Civil Laghubitta Bittiya Sanstha Ltd. )

ISIN Number : NPE267A00002

As of Mar 22, 2020
1042.00
58.00
5.89 %
Open
1003
High
1063
Low
1003
Volume
70
Prev. Close
984
Bid Price
1170 ( 20 )
Ask Price
1195 ( 417 )
BASIC CHART
KEY INDICATORS
Market Capitalization
रू 118.91 करोड
Outstanding Shares
1141140
Book Value
131.51
PBV
7.92
Stock P/E
59.07
Dividend ( 2075/2076 )
10 %
EPS
17.64
PB X PE
468.03
ROE
--
ROA
--
CAR
11.75
Industrial PE
28.88
Industrial EPS
56.26
52 Weeks High-Low
1549 - 438
Lifetime High-Low
1422 - 440
180 Day Average Price
762.23
PROMOTER SHARE VALUE
Civil Laghubitta Bittiya Sanstha Ltd. ( CLBSLP )
Open
--
High
--
Low
--
Close
--
Classic Tech Red Label
PRICE PERFORMANCE
5 Days ---
1 Month
-18.47%
3 Months ---
YTD
82.81%
1 Year
78.42%
5 Years ---
COMPETITORS
Name chg % Market cap
GMFBS 1.95 % रू 77.94 करोड
KMFL 7.79 % रू 88.49 करोड
MMFDB 1.21 % रू 115.78 करोड
MSLB 0.67 % रू 109.55 करोड
MSMBS 3.36 % रू 85.98 करोड
SARATHI --- ---
MORE ON WEB
No floorsheets were found.
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STOCK TRADING STRATEGIES
No strategies are available.
TOP BROKERS (As of - Mar 22, 2020)
Sell Buy
Code Qty Amt Commission (Est) Qty Amt Commission (Est) Total Amount Total Commission
40 10 रू 10.63 हजार रू 63.78 30 रू 31.89 हजार रू 191.34 रू 42.52 हजार रू 255.12
17 10 रू 10.43 हजार रू 62.58 20 रू 20.26 हजार रू 121.56 रू 30.69 हजार रू 184.14
59 20 रू 21.26 हजार रू 127.56 --- --- --- रू 21.26 हजार रू 127.56
43 20 रू 20.45 हजार रू 122.7 --- --- --- रू 20.45 हजार रू 122.7
44 --- --- --- 10 रू 10.43 हजार रू 62.58 रू 10.43 हजार रू 62.58
53 --- --- --- 10 रू 10.42 हजार रू 62.52 रू 10.42 हजार रू 62.52
38 10 रू 10.23 हजार रू 61.38 --- --- --- रू 10.23 हजार रू 61.38
1 --- --- --- --- --- --- रू 0 रू 0
5 --- --- --- --- --- --- रू 0 रू 0
7_RWS --- --- --- --- --- --- रू 0 रू 0

Condensed Consolidated Statement of Financial Position

Particular
This Quarter
76/77 - 2nd Quarter
Previous Quarter
76/77 - 1st Quarter
Corresponding Previous Year Quarter
75/76 - 2nd Quarter
Cash and cash equivalent 105,740,000 36,394,000 17,507,000
Due from Nepal Rastra Bank
Placement with Bank and Financial Institutions
Derivative Financial Instruments
Other Trading Assets
Loan and advances to B/Fis
Loan and advances to Customers
Investment Securities
Current Tax Assets
Investment in Subsidiaries
Investment in Associates
Investment Property
Property and Equipment
Goodwill and Intangible assets
Deferred Tax Assets
Other Assets 21,464,000 27,913,000 8,855,000
Total Assets 1,321,835,000 1,204,526,000 759,343,000
Liabilities
Due to bank and Financial Institutions
Due to Nepal Rastra Bank
Derivative Financial Instrument
Deposit from Customers 350,358,000 310,147,000 204,246,000
Borrowings
Current Tax Liabilities
Provisions
Deferred Tax Liabilities
Other Liabilities 72,287,000 70,803,000 48,420,000
Debt securities issued
Subordinated Liabilities
Total Liabilities 1,321,835,000 1,204,526,000 759,343,000
Total Liabilities 1,321,835,000 1,204,526,000 759,343,000
Equity
Share Capital 114,114,000 114,114,000 109,725,000
Share Premium
Retained Earnings
Reserves
Total equity attributable to equity holders
Non-controlling interest
Total Equity
Total Liabilities and Equity

Condensed Consolidated Statement of Profit or Loss

Particular This Quarter Previous Quarter Corresponding Previous Year Quarter
Interest Income 96,576,000 47,437,000 55,815,000
Interest Expense
Net interest Income 45,689,000 22,211,000 29,497,000
Fees and Commission Income
Fees and Commission Expense
Net fee and commission income
Net interest, fee and commission income
Net Trading income
Other Operating Income 20,203,000 10,074,000 11,336,000
Total Operating Income 66,418,000 32,465,000 40,833,000
Impairment charge/(reversal) for loans and other losses
Net Operating Income
Loans and Other Losses
Operating Expenses
Personal Expense
Other Operating Expense 15,001,000 6,087,000 8,200,000
Depreciation and Amortization
Operating Profit 8,821,000 6,114,000 11,670,000
Non operating Income 1,067,000 1,067,000
Non operating expenses
Profit before Income Tax
Income tax Expenses
   Current Tax
   Deferred Tax
Profit/(loss) for the period 10,066,000 4,569,000 7,426,000

Condensed Consolidated Statement of Comprehensive Income

Particular
This Quarter
76/77 - 2nd Quarter
Previous Quarter
76/77 - 1st Quarter
Corresponding Previous Year Quarter
75/76 - 2nd Quarter
Profit/(loss) for the period 10,066,000 4,569,000 7,426,000
Other Comprehensive Income
Total Comprehensive Income
Basic Earning per share 18 16 14
Diluted Earning per share
Profit attributable to:
   Equity holders of the Bank
   Non-controlling interests
Total
Statement of Distributable Profit and Loss
Net Profit for the Quarter ended
1. Appropriations
1.1 Profit required to be appropriated to statutory reserve
a. General Reserve
b. Capital Redemption Reserve
c. Exchange Fluctuation Fund
d. Corporate Social Responsibility Fund
e. Employees Training Fund
f. Other
1.2 Profit required to be transferred to Regulatory Reserve
a. Transfer to Regulatory Reserve
b. Transfer from Regulator Reserve
Net Profit for quarter end available for distribution

Ratios as per NRB Directives

Particular
This Quarter
76/77 - 2nd Quarter
Previous Quarter
76/77 - 1st Quarter
Corresponding Previous Year Quarter
75/76 - 2nd Quarter
Capital fund to RWA 12 13
Non-Performing Loan (NPL) to Total loan
Total Loan Loss provision to Total NPL
Cost of Funds
Credit to Deposit Ratio
Base Rate
Interest Rate Spread
Net Interest income to total income
Non Interest Income to Operating Cost
Interest Expenses to Interest Income
Shareholder's Equity
Number of Outstanding Share
Net Worth Per Share 132 123 116
Earning Per share (EPS Annualized) 18 16 14
PE Ratio 45 30 50
Price to Book Ratio
Return on Equity (Closing Annualized)
Return on Asset
Market Price High-Low
PEER PERFORMANCE
Companies LTP Intraday 5D % 1M % 3M % YTD % 1Y % Trend
CLBSL 1042 39 --- 18.47 --- 82.81 78.42
GMFBS 753 2 --- 18.24 --- 30.05 ---
DIVIDENDS
Fiscal Year Bonus Share Cash Dividend Total Dividend Bonus Dist. Date Right Share Right Dist. Date
1 2075/2076 5 % 5 % 10 % -- -- --
2 2074/2075 4 % 3.7 % 7.7 % -- -- --
3 2073/2074 4.5 % 0.23 % 4.73 % 2018-04-12 1:2 Apr 25, 2018
4 2072/2073 5 % 0.26 % 5.26 % 2017-05-31 -- --
Company Information
Registered Office
Head Office Location : Chabahil-7
Email : info@civillaghubitta.com
Phone : 977 - 01 - 4471438, 4474202
Website : https://www.civillaghubitta.com.np/contact-us/
Registered At :
Share Registrar ( RTS )
Name : Civil Capital Limited
Email : ccm@civilcapital.com.np
Phone : 977-01-4262303, 4261251, 4259437,4251962
Address : CTC MALL ( Civil Trade Center) 6th Floor, Sundhara, Kathmandu
Website : www.civilcapitalmarket.com
Management
Name Designation
Mr. Balaram Paudel Chief Executive Officer (CEO)
Mr. Sachin Jung Rayamajhi Chairman, Representative, Civil Bank Ltd.
Mr. Prasidha Raj Aryal Director
Mr. Sachin Newa Director
Mr. Hem Lal Bhattarai Director
Mr. Krishna Prasad Adhikari Director
Shakti Ballav Shrestha Director
About Company

Civil Laghubitta Bittiya Sanstha Ltd.

Civil Laghubitta Bittiya Sanstha Limited, a Subsidiary Company of Civil Bank Limited was incorporated as a public limited company on 1st Chaitra 2067 (15 March 2011) under the Companies Act of Nepal. The Company got the business operating license from Nepal Rastra Bank to conduct micro-finance activities as a ‘D’ class financial institution on 7th Baishak 2069 (19 April 2012). The Company started its operation from 21 Ashad 2069 (05 July 2012). The Company has its registered Head office at Chabahil, Kathmandu, Nepal. It has been established with a motive to provide qualitative and reliable financial services in a healthy competitive environment. Its goal is to provide financial tools and resources in the form of micro credits for establishing, running, developing, expanding as well as enhancing capacity and productivity of potential productive sector from the business point of view. Its aim is to effectively regulate the available competency, labor and capital in rural sector to establish, run, develop, expand as well as promote productive and employment generating business and actively participating & helping in eliminating poverty. It focuses on helping the women and unemployed youngsters of rural sector for improving economic and social status through micro credit, trainings and public awareness. Its main focus is in uplifting the life style of the people of the deprived sector who have very little access to banking facilities and helping for the overall development of the economic sector of the country as a whole. By eliminating the risk and the hazards involved in micro financing in Nepal, Civil Laghubitta Bittiya Sanstha Limited has been prominent in providing secure and quality micro financial services to the people of deprived sector through micro credit, micro enterprise loan and other loan and saving schemes as well as other services, the main objectives of Civil Bank. Microfinance Bittiya Sanstha Limited are as follows: To fulfill the deficit requirement of money of microfinance sector To provide microfinance as a retail business partner to the clients and empowerment of marginalized group, poor, extreme poor and socially disadvantaged people to create small and cottage industry To promote micro small enterprises in rural areas To develop banking saving habit amongst rural people, generate savings mobilize for its best utilization To provide alternative financial services to the clients such as remittance services, insurance products etc. To generate employment through self-employment approach To support government poverty reduction strategy Finally to provide maximum profit to its stakeholders