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Shivam Cement

NCCB ( Nepal Credit And Commercial Bank Limited ) NEPSE Group A Company

ISIN Number : NPE027A00000

As of Mar 22, 2020
178.00
12
6.32 %
Open
187
High
187
Low
176
Volume
8372
Prev. Close
190
Bid Price
198 ( 83 )
Ask Price
---
BASIC CHART
KEY INDICATORS
Market Capitalization
रू 1447.82 करोड
Outstanding Shares
81338410
Book Value
156.18
PBV
1.14
Stock P/E
9.57
Dividend ( 2075/2076 )
15.79 %
EPS
18.6
PB X PE
10.91
ROE
--
ROA
--
CAR
13.2
Industrial PE
69.96
Industrial EPS
24.59
52 Weeks High-Low
276 - 169
Lifetime High-Low
718 - 103
180 Day Average Price
201.94
PROMOTER SHARE VALUE
Nepal Credit & Commercial Bank Ltd. Promoter Share ( NCCBPO )
Open
120.00
High
120.00
Low
120.00
Close
120.00
Classic Tech Red Label
PRICE PERFORMANCE
5 Days ---
1 Month
-5.32%
3 Months ---
YTD
-12.32%
1 Year
-21.24%
5 Years ---
COMPETITORS
Name chg % Market cap
BOKL 2.24 % रू 1757.76 करोड
MBL 1.83 % रू 1818.57 करोड
NBB 1.01 % रू 1593.39 करोड
SBI 1.9 % रू 3481.09 करोड
SCB 2.32 % रू 4726.74 करोड
SRBL 2.92 % रू 1899.55 करोड
MORE ON WEB
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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
50 3500 रू 6.2 लाख रू 3.1 हजार 728 रू 1.3 लाख रू 712.81 रू 7.5 लाख रू 3.81 हजार
8 2362 रू 4.25 लाख रू 2.34 हजार 700 रू 1.24 लाख रू 683.1 रू 5.49 लाख रू 3.02 हजार
28 --- --- --- 1500 रू 2.66 लाख रू 1.46 हजार रू 2.66 लाख रू 1.46 हजार
11 1000 रू 1.78 लाख रू 979 450 रू 80.9 हजार रू 444.95 रू 2.59 लाख रू 1.42 हजार
45 --- --- --- 1100 रू 1.96 लाख रू 1.08 हजार रू 1.96 लाख रू 1.08 हजार
10 1000 रू 1.76 लाख रू 969.1 50 रू 8.95 हजार रू 53.7 रू 1.85 लाख रू 1.02 हजार
59 --- --- --- 651 रू 1.16 लाख रू 635.37 रू 1.16 लाख रू 635.37
43 400 रू 71.95 हजार रू 395.73 175 रू 31.9 हजार रू 191.4 रू 1.04 लाख रू 587.13
22 --- --- --- 550 रू 98.05 हजार रू 539.28 रू 98.05 हजार रू 539.28
1 --- --- --- 524 रू 94.61 हजार रू 520.38 रू 94.61 हजार रू 520.38

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 5,192,290,000 3,757,365,000 2,364,963,000
Due from Nepal Rastra Bank 5,364,587,000 4,652,664,000
Placement with Bank and Financial Institutions 1,396,050,000 2,458,057,000
Derivative Financial Instruments 825,231,000
Other Trading Assets
Loan and advances to B/Fis 2,521,935,000 2,490,094,000
Loan and advances to Customers 64,895,858,000 63,206,042,000
Investment Securities 8,388,521,000 7,800,488,000
Current Tax Assets
Investment in Subsidiaries
Investment in Associates 48,352,000 48,352,000
Investment Property 933,255,000 943,339,000
Property and Equipment 897,794,000 897,843,000
Goodwill and Intangible assets 12,738,000 11,986,000
Deferred Tax Assets 131,789,000 328,893,000
Other Assets 1,253,403,000 1,399,251,000 2,765,555,000
Total Assets 91,861,804,000 87,994,375,000 79,010,067,000
Liabilities
Due to bank and Financial Institutions 12,791,737,000 7,182,910,000
Due to Nepal Rastra Bank 837,909,000 742,300,000
Derivative Financial Instrument 771,931,000 6,499,000
Deposit from Customers 63,617,321,000 66,023,589,000 64,717,387,000
Borrowings
Current Tax Liabilities 28,765,000 147,606,000
Provisions 70,948,000
Deferred Tax Liabilities
Other Liabilities 1,111,050,000 1,026,333,000 1,964,249,000
Debt securities issued
Subordinated Liabilities
Total Liabilities 79,158,712,000 25,200,186,000 79,010,067,000
Total Liabilities 79,158,712,000 25,200,186,000 79,010,067,000
Equity
Share Capital 8,133,841,000 8,133,841,000 7,018,559,000
Share Premium 169,861,000 169,861,000
Retained Earnings 1,817,170,000 1,721,168,000
Reserves 2,582,220,000 2,769,320,000
Total equity attributable to equity holders 17,703,092,000 12,794,189,000
Non-controlling interest
Total Equity 12,703,092,000 12,794,189,000
Total Liabilities and Equity 91,861,804,000 87,994,375,000

Condensed Consolidated Statement of Profit or Loss

Particular This Quarter Previous Quarter Corresponding Previous Year Quarter
Interest Income 4,336,635,000 2,169,377,000 3,891,280,000
Interest Expense 2,671,191,000 1,332,276,000
Net interest Income 1,665,444,000 837,101,000 1,465,442,000
Fees and Commission Income 285,300,000 133,626,000
Fees and Commission Expense 9,999,000 5,632,000
Net fee and commission income 275,301,000 127,995,000
Net interest, fee and commission income 1,940,745,000 965,096,000
Net Trading income 82,022,000 45,090,000
Other Operating Income 24,569,000 11,111,000 66,688,000
Total Operating Income 2,047,336,000 1,021,298,000 1,789,276,000
Impairment charge/(reversal) for loans and other losses 63,335,000 95,169,000
Net Operating Income 1,984,001,000 926,129,000
Loans and Other Losses
Operating Expenses
Personal Expense 604,668,000 309,981,000
Other Operating Expense 254,450,000 119,233,000 249,321,000
Depreciation and Amortization 65,521,000 31,846,000
Operating Profit 1,059,361,000 465,068,000 1,033,110,000
Non operating Income 4,575,000
Non operating expenses
Profit before Income Tax 1,059,361,000 465,068,000
Income tax Expenses
   Current Tax 303,013,000 124,725,000
   Deferred Tax
Profit/(loss) for the period 756,348,000 340,343,000 741,175,000

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 756,348,000 340,343,000 741,175,000
Other Comprehensive Income -2,614,000 -7,210,000
Total Comprehensive Income 753,734,000 333,133,000
Basic Earning per share 19 17 21
Diluted Earning per share 19 17
Profit attributable to:
   Equity holders of the Bank 753,734,000 333,133,000
   Non-controlling interests
Total 753,734,000 333,133,000
Statement of Distributable Profit and Loss
Net Profit for the Quarter ended 756,348,000 340,343,000
1. Appropriations
1.1 Profit required to be appropriated to statutory reserve
a. General Reserve -151,270,000 -68,069,000
b. Capital Redemption Reserve
c. Exchange Fluctuation Fund
d. Corporate Social Responsibility Fund -5,579,000 -2,954,000
e. Employees Training Fund
f. Other
1.2 Profit required to be transferred to Regulatory Reserve
a. Transfer to Regulatory Reserve -74,239,000 166,419,000
b. Transfer from Regulator Reserve
Net Profit for quarter end available for distribution 525,260,000 102,901,000

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 13 13 14
Non-Performing Loan (NPL) to Total loan 3 3 4
Total Loan Loss provision to Total NPL 126 126
Cost of Funds 8 8
Credit to Deposit Ratio 77 78
Base Rate 11 11
Interest Rate Spread 4 5
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 156 157 160
Earning Per share (EPS Annualized) 19 17 21
PE Ratio 12 12 10
Price to Book Ratio
Return on Equity (Closing Annualized)
Return on Asset
Market Price High-Low 224 - 194 258 - 191 224 - 197
PEER PERFORMANCE
Companies LTP Intraday 5D % 1M % 3M % YTD % 1Y % Trend
NCCB 178 9 --- 5.32 --- 12.32 21.24
BOKL 218 1 --- 6.03 --- 1.40 17.42
MBL 215 8 --- 5.29 --- 0.92 10.04
NBB 197 5 --- 7.08 --- 5.91 6.64
SBI 412 --- --- 1.67 --- 15.73 1.2
SCB 590 5 --- 6.65 --- 10.49 0.00
SRBL 233 3 --- 7.17 --- 8.37 1.27
DIVIDENDS
Fiscal Year Bonus Share Cash Dividend Total Dividend Bonus Dist. Date Right Share Right Dist. Date
1 2075/2076 15 % 0.78947 % 15.78947 % -- -- --
2 2074/2075 15.89 % 0.83 % 16.72 % -- -- --
3 2071/2072 16 % 0.84 % 16.84 % 2016-05-18 -- --
4 2070/2071 38 % 2 % 40 % -- -- --
5 2068/2069 4.74 % 0.26 % 5 % 2013-07-21 -- --
Company Information
Registered Office
Head Office Location : Bagbazar
Email : corporate@nccbank.com.np
Phone : 4246991
Website : http://www.nccbank.com.np
Registered At :
Share Registrar ( RTS )
Name : Sunrise Capital Limited
Phone : 977-01-4428550
Address : Kamalphokhari, Kathmandu, Nepal.
Website : www.ncm.com.np
Management
Name Designation
Mr. Upendra Keshari Neupane Chairman
Mr. Ramesh Raj Aryal Chief Executive Officer
Mr. Iman Singh Lama Member
Mr. Chandra Prasad Bastola Member
Mr. Madhav Prasad Bhatta Member
Mr. Krishna Shrestha Member
Mr. Kailash Patindra Amatya Member
About Company

Nepal Credit And Commercial Bank Limited

Introduction Background: Nepal Credit & Commerce Bank Ltd. (NCC Bank) formally registered as Nepal - Bank of Ceylon Ltd. (NBOC), commenced its operation on October 14, 1996 as a Joint Venture with Bank of Ceylon, Sri Lanka. It was then the first private sector Bank with the largest authorized capital of NRS. 1,000 million. The Head Office of the Bank is located at Siddhartha Nagar, Rupandehi, the birthplace of LORD BUDDHA, while its Corporate Office is located at Bagbazar, Kathmandu. The name of the Bank was changed to Nepal Credit & Commerce Bank Ltd., (NCC Bank) on 10th September, 2002, due to transfer of shares and management of the Bank from Bank of Ceylon, to Nepalese Promoters. NCC Bank completed its 20 years of banking services on October 14, 2016 and recently, entered into a historic merger with four Development Banks – Infrastructure Development Bank Ltd., Apex Development Bank Ltd., Supreme Development Bank Ltd. and International Development Bank Ltd. The Bank started its joint transaction from January 01, 2017 has now become one of the largest private sector commercial bank. At present NCC provides banking services and facilities to rural and urban areas of the country through its 96 branches and 61 ATMs scattered all over the country from Far West to Far East. The Bank has developed corresponding agency relationship with more than 150 International Banks having worldwide network. CAPITAL STRUCTURE Authorized Capital - Rs. 10 Billion Issued Capital - Rs. 4.679 Billion Paid up Capital - Rs. 4.679 Billion TECHNOLOGY The Bank is using Pumori Plus, the most commonly used software by Nepalese Banks. The Bank offers Any Branch Banking Service (ABBS) in all 96 branches. Telex and SWIFT are other modes of communication for efficient and effective transmission of information. In order to facilitate the customers with state of art technology, Bank is providing Visa Debit Card facilities. NCC VISA Debit Card can be used in any of the ATMs and POS machines displaying VISA LOGO for cash withdrawal, balance enquiry or purchase of goods & Services from various merchants like departmental stores, hospitals, retail shops etc throughout Nepal and India only. In addition, NCC VISA Debit Card enables wider access to VISA Card acceptable more than 4,00,000 ATMs and 2.5 Million Point of Sales(POS) terminals in Nepal and India. With NCC VISA Debit Card on can access one's account 24-hours a day, 7 days a week and enjoy greater convenience to facilitate one's banking and financial needs. GLOBAL CONNECTION NCC Bank has strategic alliance with ICICI Bank, which facilitates our customers to remit their money to more than 670 locations of India through ICICI Bank branches and their correspondent Banks in India. Our customers can affect their money transfer to India either through Speed Transfer Arrangement or through Demand Draft Arrangement. Under Speed Transfer Arrangement, money can be credited on-line to the beneficiary's account at more than 400 branches of ICICI Bank, India. Under Demand Draft Arrangement, the Bank can issue draft payable at more than 670 locations in India. We are globally connected through various prominent Banks in Asia, Europe and North America like Mashreq Bank, Standard Chartered Bank, Bank of Ceylon etc. Our services across the globe include remittance, draft arrangement, import and export business, guarantee etc.