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Shivam Cement

CZBIL ( Citizen Bank International Limited ) NEPSE Group A Company

ISIN Number : NPE011A00004

As of Jul 08, 2020
186.00
5
2.62 %
Open
191
High
192
Low
185
Volume
25367
Prev. Close
191
Bid Price
198 ( 398 )
Ask Price
199 ( 892 )
BASIC CHART
KEY INDICATORS
Market Capitalization
रू 1603.73 करोड
Outstanding Shares
86221967.16
Book Value
145.77
PBV
1.28
Stock P/E
11.03
Dividend ( 2075/2076 )
15 %
EPS
16.87
PB X PE
14.07
ROE
--
ROA
--
CAR
14.21
Industrial PE
69.63
Industrial EPS
24.35
52 Weeks High-Low
240 - 164
Lifetime High-Low
838 - 150
180 Day Average Price
197.5
PROMOTER SHARE VALUE
Citizens Bank Internatioal Limited Promoter Share ( CZBILP )
Open
150.00
High
150.00
Low
150.00
Close
150.00
Classic Tech Red Label
PRICE PERFORMANCE
5 Days
-2.62%
1 Month ---
3 Months ---
YTD
1.64%
1 Year ---
5 Years
-59.12%
COMPETITORS
Name chg % Market cap
EBL 0.15 % रू 5616.74 करोड
HBL 1.7 % रू 4439.05 करोड
MBL 3.13 % रू 1835.49 करोड
PRVU 2.13 % रू 2045.32 करोड
SANIMA 1.54 % रू 2816.44 करोड
MORE ON WEB
No floorsheets were found.
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STOCK TRADING STRATEGIES
No strategies are available.
TOP BROKERS (As of - Jul 07, 2020)
Sell Buy
Code Qty Amt Commission (Est) Qty Amt Commission (Est) Total Amount Total Commission
43 --- --- --- 5250 रू 10 लाख रू 5 हजार रू 10 लाख रू 5 हजार
10 3151 रू 5.98 लाख रू 2.99 हजार 150 रू 28.7 हजार रू 172.2 रू 6.27 लाख रू 3.16 हजार
49 1622 रू 3.13 लाख रू 1.72 हजार 906 रू 1.73 लाख रू 948.97 रू 4.86 लाख रू 2.67 हजार
25 250 रू 48.4 हजार रू 290.4 2000 रू 3.82 लाख रू 2.1 हजार रू 4.3 लाख रू 2.39 हजार
40 2229 रू 4.28 लाख रू 2.35 हजार --- --- --- रू 4.28 लाख रू 2.35 हजार
8 --- --- --- 2210 रू 4.24 लाख रू 2.33 हजार रू 4.24 लाख रू 2.33 हजार
28 2208 रू 4.22 लाख रू 2.32 हजार --- --- --- रू 4.22 लाख रू 2.32 हजार
45 1588 रू 3.04 लाख रू 1.67 हजार 597 रू 1.14 लाख रू 629.32 रू 4.19 लाख रू 2.3 हजार
58 100 रू 18.7 हजार रू 112.2 1985 रू 3.8 लाख रू 2.09 हजार रू 3.99 लाख रू 2.2 हजार
38 1764 रू 3.4 लाख रू 1.87 हजार 50 रू 9.6 हजार रू 57.6 रू 3.49 लाख रू 1.93 हजार

Condensed Consolidated Statement of Financial Position

Particular
This Quarter
76/77 - 3rd Quarter
Previous Quarter
76/77 - 2nd Quarter
Corresponding Previous Year Quarter
75/76 - 3rd Quarter
Cash and cash equivalent 9,322,048,346 9,094,264,762 6,326,897,901
Due from Nepal Rastra Bank 2,447,522,643 3,035,820,092
Placement with Bank and Financial Institutions 992,102,893 577,088,266
Derivative Financial Instruments 61,740,676
Other Trading Assets 86,145,675 178,519,349
Loan and advances to B/Fis 1,435,156,938 1,618,051,772
Loan and advances to Customers 75,014,268,291 69,098,125,352
Investment Securities 10,646,726,068 9,474,246,410
Current Tax Assets 38,565,244
Investment in Subsidiaries 167,204,200 167,204,200
Investment in Associates 17,951,500 17,951,500
Investment Property 195,532,789 216,421,596
Property and Equipment 2,380,196,703 2,343,487,930
Goodwill and Intangible assets 79,151,536 83,827,410
Deferred Tax Assets 56,041,161 24,060,996
Other Assets 1,412,616,959 1,719,431,647 2,371,709,857
Total Assets 104,314,406,396 97,687,066,527 86,973,760,061
Liabilities
Due to bank and Financial Institutions 8,607,956,363 7,728,510,422
Due to Nepal Rastra Bank 598,057,171 425,691,346
Derivative Financial Instrument 3,177,258
Deposit from Customers 77,836,512,947 75,593,362,997 65,920,924,525
Borrowings
Current Tax Liabilities 175,200,890
Provisions
Deferred Tax Liabilities
Other Liabilities 1,551,228,435 1,268,031,499 1,566,122,846
Debt securities issued 2,976,496,459 4,999,418,060 498,771,304
Subordinated Liabilities
Total Liabilities 91,745,452,265 85,518,191,582 86,973,760,061
Total Liabilities 91,745,452,265 85,518,191,582 86,973,760,061
Equity
Share Capital 8,622,196,716 8,622,169,716 8,371,064,773
Share Premium
Retained Earnings 453,389,712 663,483,168
Reserves 3,493,367,694 2,883,195,061
Total equity attributable to equity holders 12,568,954,131 12,168,874,945
Non-controlling interest
Total Equity 12,568,954,131 12,168,874,944
Total Liabilities and Equity 104,314,406,396 97,687,066,527

Condensed Consolidated Statement of Profit or Loss

Particular This Quarter Previous Quarter Corresponding Previous Year Quarter
Interest Income 7,142,431,252 4,679,960,093 6,333,532,965
Interest Expense -4,897,618,069 -3,241,960,096
Net interest Income 2,244,813,183 1,437,999,997 2,087,244,636
Fees and Commission Income 448,180,163 313,417,748
Fees and Commission Expense -41,298,362 -24,979,573
Net fee and commission income 406,881,801 288,438,175
Net interest, fee and commission income 2,651,694,984 1,726,438,172
Net Trading income 226,856,117 110,349,805
Other Operating Income 48,018,198 26,392,628 -30,570,234
Total Operating Income 2,926,569,299 1,863,180,605 2,634,034,075
Impairment charge/(reversal) for loans and other losses -104,755,785 -66,052,286
Net Operating Income 2,821,813,514 1,797,128,319
Loans and Other Losses
Operating Expenses
Personal Expense -787,356,709 -513,088,133
Other Operating Expense -361,960,680 -229,152,767 337,109,384
Depreciation and Amortization -149,348,927 -98,907,993
Operating Profit 1,523,147,198 955,979,426 1,491,405,038
Non operating Income 47,736,686 26,450,644 55,741,344
Non operating expenses
Profit before Income Tax 1,570,883,884 982,430,070
Income tax Expenses
   Current Tax -510,133,914 -294,729,021
   Deferred Tax 30,495,264 72,795,023
Profit/(loss) for the period 1,091,245,234 687,701,049 1,069,601,722

Condensed Consolidated Statement of Comprehensive Income

Particular
This Quarter
76/77 - 3rd Quarter
Previous Quarter
76/77 - 2nd Quarter
Corresponding Previous Year Quarter
75/76 - 3rd Quarter
Profit/(loss) for the period 1,091,245,234 687,701,049 1,069,601,722
Other Comprehensive Income -12,390,000 -8,925,000
Total Comprehensive Income 1,078,855,234 678,776,049
Basic Earning per share 17 16 17
Diluted Earning per share 17 16
Profit attributable to:
   Equity holders of the Bank 1,078,855,234 678,776,049
   Non-controlling interests
Total 1,078,855,234 678,776,049
Statement of Distributable Profit and Loss
Net Profit for the Quarter ended 1,091,245,235 687,701,048
1. Appropriations
1.1 Profit required to be appropriated to statutory reserve
a. General Reserve -218,249,047 -137,540,210
b. Capital Redemption Reserve -53,571,429 -35,714,286
c. Exchange Fluctuation Fund -9,881,144 -5,783,098
d. Corporate Social Responsibility Fund 590,755 -6,877,010
e. Employees Training Fund -9,102,421
f. Other
1.2 Profit required to be transferred to Regulatory Reserve
a. Transfer to Regulatory Reserve -489,427,495
b. Transfer from Regulator Reserve 99,361,496 119,272,953
Net Profit for quarter end available for distribution 410,965,950 621,059,397

Ratios as per NRB Directives

Particular
This Quarter
76/77 - 3rd Quarter
Previous Quarter
76/77 - 2nd Quarter
Corresponding Previous Year Quarter
75/76 - 3rd Quarter
Capital fund to RWA 14 13
Non-Performing Loan (NPL) to Total loan 1 1
Total Loan Loss provision to Total NPL 191 194
Cost of Funds 9 8
Credit to Deposit Ratio 78 78
Base Rate 11 10
Interest Rate Spread 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 146 141
Earning Per share (EPS Annualized) 17 16 17
PE Ratio 11 12
Price to Book Ratio
Return on Equity (Closing Annualized)
Return on Asset
Market Price High-Low 240 - 177 205 - 178
PEER PERFORMANCE
Companies LTP Intraday 5D % 1M % 3M % YTD % 1Y % Trend
CZBIL 186 5 2.62 --- --- 1.64 ---
EBL 660 5 0.15 --- --- 25.71 ---
HBL 521 --- 1.7 --- --- 2.36 ---
MBL 217 5 3.13 --- --- 0.00 ---
PRVU 230 5 2.13 --- --- 2.68 ---
SANIMA 320 6 1.54 --- --- 2.24 ---
COMPANY INSIGHTS
DIVIDENDS
Fiscal Year Bonus Share Cash Dividend Total Dividend Bonus Dist. Date Right Share Right Dist. Date
1 2075/2076 3 % 12 % 15 % -- -- --
2 2074/2075 3.628 % 1.635 % 5.263 % -- -- --
3 2073/2074 16 % 0.85 % 16.85 % 2018-04-03 -- --
4 2072/2073 15.8 % -- 15.8 % 2016-12-28 10:2.5 Jul 16, 2017
5 2071/2072 20 % 1.05 % 21.05 % 2015-12-03 10:5.5 Sep 29, 2016
6 2070/2071 13 % 5.95 % 18.95 % 2014-10-19 -- --
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.