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

ISIN Number : NPE027A00000

As of Mar 30, 2021
319.00
4.00
1.27 %
Open
315
High
323
Low
315
Volume
67761
Prev. Close
315
Bid Price
198 ( 83 )
Ask Price
---
BASIC CHART
KEY INDICATORS
Market Capitalization
रू 2983.9 करोड
Outstanding Shares
93539169.45
Book Value
148.38
PBV
2.15
Stock P/E
24.3
Dividend ( 2075/2076 )
15.79 %
EPS
13.13
PB X PE
52.23
ROE
--
ROA
--
CAR
12.71
Industrial PE
23.86
Industrial EPS
18.78
52 Weeks High-Low
385 - 185
Lifetime High-Low
718 - 103
180 Day Average Price
315.62
PROMOTER SHARE VALUE
Nepal Credit & Commercial Bank Ltd. Promoter Share ( NCCBPO )
Open
118.00
High
118.00
Low
118.00
Close
118.00
Classic Tech Red Label
PRICE PERFORMANCE
5 Days ---
1 Month ---
3 Months ---
YTD ---
1 Year
61.11%
5 Years ---
COMPETITORS
Name chg % Market cap
BOKL 0.00 % रू 2887.79 करोड
CCBL 0.00 % रू 2213.44 करोड
MBL 0.67 % रू 2734.03 करोड
SANIMA 2.79 % रू 3572.48 करोड
SRBL 0.65 % रू 2941.26 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
1 --- --- --- --- --- --- रू 0 रू 0
5 --- --- --- --- --- --- रू 0 रू 0
7_RWS --- --- --- --- --- --- रू 0 रू 0
11 --- --- --- --- --- --- रू 0 रू 0
14_RWS --- --- --- --- --- --- रू 0 रू 0
19 --- --- --- --- --- --- रू 0 रू 0
22 --- --- --- --- --- --- रू 0 रू 0
28 --- --- --- --- --- --- रू 0 रू 0
32_RWS --- --- --- --- --- --- रू 0 रू 0
36 --- --- --- --- --- --- 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 6,753,117,913 7,163,164,934 5,192,290,000
Due from Nepal Rastra Bank 15,125,422,259 8,583,088,976 5,364,587,000
Placement with Bank and Financial Institutions 1,288,100,000 705,000,000 1,396,050,000
Derivative Financial Instruments 968,882,642 1,492,248,653 825,231,000
Other Trading Assets
Loan and advances to B/Fis 3,632,877,261 3,022,409,285 2,521,935,000
Loan and advances to Customers 77,494,765,294 67,520,952,583 64,895,858,000
Investment Securities 11,373,567,327 9,298,926,550 8,388,521,000
Current Tax Assets 33,245,635
Investment in Subsidiaries
Investment in Associates 54,657,126 54,657,126 48,352,000
Investment Property 1,025,807,835 954,111,835 933,255,000
Property and Equipment 871,005,228 863,196,142 897,794,000
Goodwill and Intangible assets 11,790,873 11,581,983 12,738,000
Deferred Tax Assets 24,487,063 65,365,252 131,789,000
Other Assets 1,799,811,958 1,114,344,933 1,253,403,000
Total Assets 120,457,538,414 100,849,048,252 91,861,804,000
Liabilities
Due to bank and Financial Institutions 4,275,151,210 2,877,026,676 12,791,737,000
Due to Nepal Rastra Bank 856,299,593 25,812,889 837,909,000
Derivative Financial Instrument 894,564,950 1,388,858,707 771,931,000
Deposit from Customers 97,956,989,265 80,893,518,149 63,617,321,000
Borrowings
Current Tax Liabilities 46,810,596 28,765,000
Provisions
Deferred Tax Liabilities
Other Liabilities 2,594,853,019 2,092,618,715 1,111,050,000
Debt securities issued
Subordinated Liabilities
Total Liabilities 106,577,858,037 87,324,645,732 79,158,712,000
Total Liabilities 106,577,858,037 87,324,645,732 79,158,712,000
Equity
Share Capital 9,353,916,945 9,353,916,945 8,133,841,000
Share Premium 169,861,000
Retained Earnings 1,464,833,560 1,008,639,986 1,817,170,000
Reserves 3,060,929,872 3,161,845,589 2,582,220,000
Total equity attributable to equity holders 13,879,680,377 13,524,402,520 17,703,092,000
Non-controlling interest
Total Equity 13,879,680,377 13,524,402,520 12,703,092,000
Total Liabilities and Equity 120,457,538,414 100,849,048,252 91,861,804,000

Condensed Consolidated Statement of Profit or Loss

Particular This Quarter Previous Quarter Corresponding Previous Year Quarter
Interest Income 3,985,248,863 2,055,591,769 4,336,635,000
Interest Expense 2,540,952,453 1,257,018,374 2,671,191,000
Net interest Income 1,444,296,410 798,573,395 1,665,444,000
Fees and Commission Income 306,222,040 140,862,205 285,300,000
Fees and Commission Expense 9,902,765 3,992,745 9,999,000
Net fee and commission income 296,319,275 136,869,460 275,301,000
Net interest, fee and commission income 1,740,615,685 935,442,855 1,940,745,000
Net Trading income 98,284,993 57,385,253 82,022,000
Other Operating Income 69,207,183 23,098,981 24,569,000
Total Operating Income 1,908,107,861 1,015,927,089 2,047,336,000
Impairment charge/(reversal) for loans and other losses 143,485,630 92,334,766 63,335,000
Net Operating Income 1,764,622,231 923,592,323 1,984,001,000
Loans and Other Losses
Operating Expenses
Personal Expense 590,491,669 320,992,749 604,668,000
Other Operating Expense 254,061,633 114,372,627 254,450,000
Depreciation and Amortization 64,056,503 31,381,580 65,521,000
Operating Profit 856,012,426 456,845,367 1,059,361,000
Non operating Income
Non operating expenses
Profit before Income Tax 856,012,426 456,845,367 1,059,361,000
Income tax Expenses
   Current Tax 242,008,284 122,258,166 303,013,000
   Deferred Tax
Profit/(loss) for the period 614,004,142 334,587,201 756,348,000

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 614,004,142 334,587,201 756,348,000
Other Comprehensive Income 104,673,637 11,992,478 -2,614,000
Total Comprehensive Income 718,677,779 346,579,679 753,734,000
Basic Earning per share 13 14 19
Diluted Earning per share 13 14 19
Profit attributable to:
   Equity holders of the Bank 718,677,779 346,579,679 753,734,000
   Non-controlling interests
Total 718,677,779 346,579,679 753,734,000
Statement of Distributable Profit and Loss
Net Profit for the Quarter ended 614,004,142 334,587,201 756,348,000
1. Appropriations
1.1 Profit required to be appropriated to statutory reserve
a. General Reserve -122,800,828 -66,917,440 -151,270,000
b. Capital Redemption Reserve
c. Exchange Fluctuation Fund -127,331
d. Corporate Social Responsibility Fund -2,824,980 -2,251,348 -5,579,000
e. Employees Training Fund -21,659,429
f. Other
1.2 Profit required to be transferred to Regulatory Reserve
a. Transfer to Regulatory Reserve -49,915,630 -144,522,874 -74,239,000
b. Transfer from Regulator Reserve 1,679,309
Net Profit for quarter end available for distribution 416,675,944 122,574,847 525,260,000

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 13 13 13
Non-Performing Loan (NPL) to Total loan 2 3 3
Total Loan Loss provision to Total NPL 147 138 126
Cost of Funds 6 6 8
Credit to Deposit Ratio 72 75 77
Base Rate 8 9 11
Interest Rate Spread 4 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 148 156
Earning Per share (EPS Annualized) 13 14 19
PE Ratio 25 12
Price to Book Ratio
Return on Equity (Closing Annualized)
Return on Asset
Market Price High-Low 385 - 223 224 - 194
PEER PERFORMANCE
Companies LTP Intraday 5D % 1M % 3M % YTD % 1Y % Trend
NCCB 319 4 --- --- --- --- 61.11
BOKL 299 --- --- --- --- --- 26.69
CCBL 245 --- --- --- --- --- 37.64
MBL 302 2 --- --- --- --- 29.06
SANIMA 369 10 --- --- --- --- 1.93
SRBL 310 2 --- --- --- --- 27.57
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 : 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.