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CZBIL ( Citizen Bank International Limited ) NEPSE Group A Company

ISIN Number : NPE011A00004

As of Mar 30, 2021
304.00
1
0.33 %
Open
305
High
320
Low
301
Volume
86172
Prev. Close
305
Bid Price
198 ( 398 )
Ask Price
199 ( 892 )
BASIC CHART
KEY INDICATORS
Market Capitalization
रू 2984.37 करोड
Outstanding Shares
98170026.73
Book Value
--
PBV
--
Stock P/E
17.05
Dividend ( 2076/2077 )
11 %
EPS
17.83
PB X PE
--
ROE
--
ROA
--
CAR
13.69
Industrial PE
23.86
Industrial EPS
18.78
52 Weeks High-Low
333 - 204
Lifetime High-Low
838 - 150
180 Day Average Price
304.5
PROMOTER SHARE VALUE
Citizens Bank Internatioal Limited Promoter Share ( CZBILP )
Open
171.00
High
171.00
Low
171.00
Close
171.00
Classic Tech Red Label
PRICE PERFORMANCE
5 Days ---
1 Month ---
3 Months ---
YTD ---
1 Year
46.86%
5 Years ---
COMPETITORS
Name chg % Market cap
BOKL 0.00 % रू 2887.79 करोड
HBL 0.20 % रू 5299.46 करोड
LBL 0.70 % रू 3080.36 करोड
PRVU 0.92 % रू 4981.36 करोड
SANIMA 2.79 % रू 3572.48 करोड
SBL 2.46 % रू 4081.5 करोड
MORE ON WEB
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STOCK TRADING STRATEGIES
No strategies are available.
TOP BROKERS (As of - Mar 31, 2021)
Sell Buy
Code Qty Amt Commission (Est) Qty Amt Commission (Est) Total Amount Total Commission
4 --- --- --- --- --- --- रू 0 रू 0
7 --- --- --- --- --- --- रू 0 रू 0
10_RWS --- --- --- --- --- --- रू 0 रू 0
14 --- --- --- --- --- --- रू 0 रू 0
18 --- --- --- --- --- --- रू 0 रू 0
21 --- --- --- --- --- --- रू 0 रू 0
26 --- --- --- --- --- --- रू 0 रू 0
32 --- --- --- --- --- --- रू 0 रू 0
35 --- --- --- --- --- --- रू 0 रू 0
39 --- --- --- --- --- --- रू 0 रू 0

Condensed Consolidated Statement of Financial Position

Particular
This Quarter
77/78 - 2nd Quarter
Previous Quarter
77/78 - 1st Quarter
Corresponding Previous Year Quarter
76/77 - 2nd Quarter
Cash and cash equivalent 7,108,331,244 8,645,639,286 9,094,264,762
Due from Nepal Rastra Bank 3,016,680,764 2,772,392,410 3,035,820,092
Placement with Bank and Financial Institutions 4,128,999,805 3,287,876,123 577,088,266
Derivative Financial Instruments 59,329,500 37,534,687
Other Trading Assets 265,249,859 111,477,630 178,519,349
Loan and advances to B/Fis 2,171,847,677 1,736,589,654 1,618,051,772
Loan and advances to Customers 87,875,853,698 82,648,523,766 69,098,125,352
Investment Securities 18,455,615,036 15,121,408,222 9,474,246,410
Current Tax Assets 21,584,167 38,565,244
Investment in Subsidiaries 167,204,200 167,204,200 167,204,200
Investment in Associates 18,951,500 18,951,500 17,951,500
Investment Property 278,311,235 177,374,958 216,421,596
Property and Equipment 2,473,349,575 2,540,645,074 2,343,487,930
Goodwill and Intangible assets 66,468,390 74,037,527 83,827,410
Deferred Tax Assets 24,060,996
Other Assets 2,190,493,477 1,740,057,799 1,719,431,647
Total Assets 128,298,270,127 119,079,792,836 97,687,066,527
Liabilities
Due to bank and Financial Institutions 3,830,427,977 2,342,909,307 7,728,510,422
Due to Nepal Rastra Bank 133,850,000 30,940,454 425,691,346
Derivative Financial Instrument 3,177,258
Deposit from Customers 105,178,566,994 97,940,621,581 75,593,362,997
Borrowings
Current Tax Liabilities 70,351,349
Provisions 5,306,626 5,307,256
Deferred Tax Liabilities 60,404,463 18,049,874
Other Liabilities 2,482,607,436 1,753,218,604 1,268,031,499
Debt securities issued 2,475,253,776 2,974,731,311 4,999,418,060
Subordinated Liabilities
Total Liabilities 114,166,417,272 105,136,129,726 85,518,191,582
Total Liabilities 114,166,417,272 105,136,129,726 85,518,191,582
Equity
Share Capital 9,817,002,673 9,089,817,290 8,622,169,716
Share Premium 4,124,402
Retained Earnings 876,778,127 943,723,137 663,483,168
Reserves 3,438,072,855 3,905,998,281 2,883,195,061
Total equity attributable to equity holders 14,131,852,855 13,943,663,110 12,168,874,945
Non-controlling interest
Total Equity 14,131,852,855 13,943,663,110 12,168,874,944
Total Liabilities and Equity 128,298,270,127 119,079,792,836 97,687,066,527

Condensed Consolidated Statement of Profit or Loss

Particular This Quarter Previous Quarter Corresponding Previous Year Quarter
Interest Income 5,061,536,161 2,580,333,420 4,679,960,093
Interest Expense -3,445,372,453 -1,741,160,903 -3,241,960,096
Net interest Income 1,616,163,703 839,172,517 1,437,999,997
Fees and Commission Income 370,015,689 179,786,486 313,417,748
Fees and Commission Expense -26,511,601 -9,436,985 -24,979,573
Net fee and commission income 343,504,088 170,349,501 288,438,175
Net interest, fee and commission income 1,959,667,796 1,009,522,018 1,726,438,172
Net Trading income 196,732,223 147,010,868 110,349,805
Other Operating Income 113,268,822 25,879,635 26,392,628
Total Operating Income 2,269,668,841 1,182,412,521 1,863,180,605
Impairment charge/(reversal) for loans and other losses -167,176,265 25,155,722 -66,052,286
Net Operating Income 2,102,492,576 1,207,568,243 1,797,128,319
Loans and Other Losses
Operating Expenses
Personal Expense -559,547,550 -289,335,872 -513,088,133
Other Operating Expense -267,855,052 -127,970,923 -229,152,767
Depreciation and Amortization -112,999,030 -57,185,836 -98,907,993
Operating Profit 1,162,090,944 733,075,812 955,979,426
Non operating Income 113,947,213 3,483,228 26,450,644
Non operating expenses
Profit before Income Tax 1,276,038,157 736,559,040 982,430,070
Income tax Expenses
   Current Tax -400,844,550 -220,967,712 -294,729,021
   Deferred Tax
Profit/(loss) for the period 875,193,607 515,591,328 687,701,049

Condensed Consolidated Statement of Comprehensive Income

Particular
This Quarter
77/78 - 2nd Quarter
Previous Quarter
77/78 - 1st Quarter
Corresponding Previous Year Quarter
76/77 - 2nd Quarter
Profit/(loss) for the period 875,193,607 515,591,328 687,701,049
Other Comprehensive Income 109,178,815 10,351,206 -8,925,000
Total Comprehensive Income 984,372,422 525,942,534 678,776,049
Basic Earning per share 18 23 16
Diluted Earning per share 18 23 16
Profit attributable to:
   Equity holders of the Bank 984,372,422 525,942,534 678,776,049
   Non-controlling interests
Total 984,372,422 525,942,534 678,776,049
Statement of Distributable Profit and Loss
Net Profit for the Quarter ended 875,193,607 687,701,048
1. Appropriations
1.1 Profit required to be appropriated to statutory reserve
a. General Reserve -175,038,722 -103,118,266 -137,540,210
b. Capital Redemption Reserve 361,111,111 -69,444,444 -35,714,286
c. Exchange Fluctuation Fund -11,420,872 -2,858,431 -5,783,098
d. Corporate Social Responsibility Fund 2,562,277 2,745,935 -6,877,010
e. Employees Training Fund -4,386,090 -3,291,611
f. Other
1.2 Profit required to be transferred to Regulatory Reserve
a. Transfer to Regulatory Reserve -199,978,742 -341,759,715
b. Transfer from Regulator Reserve -199,978,742 11,439,433 119,272,953
Net Profit for quarter end available for distribution 848,042,569 9,274,229 621,059,397

Ratios as per NRB Directives

Particular
This Quarter
77/78 - 2nd Quarter
Previous Quarter
77/78 - 1st Quarter
Corresponding Previous Year Quarter
76/77 - 2nd Quarter
Capital fund to RWA 14 14 13
Non-Performing Loan (NPL) to Total loan 2 1 1
Total Loan Loss provision to Total NPL 101 167 194
Cost of Funds 6 7 8
Credit to Deposit Ratio 73 74 78
Base Rate 8 9 10
Interest Rate Spread 4 4
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 141
Earning Per share (EPS Annualized) 18 23 16
PE Ratio 17 12
Price to Book Ratio
Return on Equity (Closing Annualized)
Return on Asset
Market Price High-Low 312 - 212 205 - 178
PEER PERFORMANCE
Companies LTP Intraday 5D % 1M % 3M % YTD % 1Y % Trend
CZBIL 304 1 --- --- --- --- 46.86
BOKL 299 --- --- --- --- --- 15.44
HBL 496 1 --- --- --- --- 12.37
LBL 288 2 --- --- --- --- 17.07
PRVU 439 4 --- --- --- --- 87.61
SANIMA 369 10 --- --- --- --- 7.27
SBL 417 10 --- --- --- --- 34.08
COMPANY INSIGHTS
DIVIDENDS
Fiscal Year Bonus Share Cash Dividend Total Dividend Bonus Dist. Date Right Share Right Dist. Date
1 2076/2077 8 % 3 % 11 % -- -- --
2 2075/2076 3 % 12 % 15 % -- -- --
3 2074/2075 3.628 % 1.635 % 5.263 % -- -- --
4 2073/2074 16 % 0.85 % 16.85 % 2018-04-03 -- --
5 2072/2073 15.8 % -- 15.8 % 2016-12-28 10:2.5 Jul 16, 2017
6 2071/2072 20 % 1.05 % 21.05 % 2015-12-03 10:5.5 Sep 29, 2016
Company Information
Registered Office
Head Office Location : Kamaladi
Email : info@ctznbank.com
Phone : 4169067
Website : www.ctznbank.com/
Registered At :
Share Registrar ( RTS )
Name : CBIL Capital Limited
Email : info@cbilcapital.com
Phone : (977-1) 4417723 / 4417457 / 4418526 / 4421235
Address : Batule Ghar, Dillibazar – 33, Kathmandu, Bagmati, Nepal
Website : http://www.cbilcapital.com/
Management
Name Designation
Shankar Prasad Sharma Chairman
Prakash Chandra Mainali Public Director
Avanindra Kumar Shrestha Professional Director
Ganesh Raj Pokharel CEO
Rajan Singh Bhandari Director
Prabal Jung Pandey Director
Sajan Sharma Director
Seeta Karki K.C. Public Director
Bodh Raj Devkota Deputy CEO/Company Secretary
About Company

Citizen Bank International Limited

Corporate Profile Citizens Bank International Limited has been established as a reliable and trustworthy partner for all financial solutions. Institutionalized by a highly professional and experienced team, we have gained credibility in banking sector through quality financial service. History Established on April 20, 2007 (2064/01/07) as 20th commercial bank of the nation, “Citizens Bank International Limited”, has its corporate office at the heart of the financial sector of the country, Narayanhiti Path, Kathmandu. It is promoted by eminent personalities, business and industrial houses and reputed individual having high social standing and has been managed by a team of experienced bankers and professionals. There are 67 branches and 62 ATMs all over the country.