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NUBL ( Nirdhan Utthan Laghubitta Bittiya Sanstha Limited )

ISIN Number : NPE082A00005

As of Mar 30, 2021
1726.00
91.00
5.57 %
Open
1635
High
1753
Low
1605
Volume
267591
Prev. Close
1635
Bid Price
945 ( 200 )
Ask Price
948 ( 160 )
BASIC CHART
KEY INDICATORS
Market Capitalization
रू 2589 करोड
Outstanding Shares
15000000
Book Value
292.62
PBV
5.9
Stock P/E
226.21
Dividend ( 2076/2077 )
13.68 %
EPS
7.63
PB X PE
1334.3
ROE
2.61
ROA
0.43
CAR
11.1
Industrial PE
39.14
Industrial EPS
58.65
52 Weeks High-Low
1753 - 870
Lifetime High-Low
2662 - 151
180 Day Average Price
1465.97
PROMOTER SHARE VALUE
Nirdhan Utthan Bank Limited Promoter Share ( NUBLPO )
Open
High
0.00
Low
0.00
Close
0.00
Classic Tech Red Label
PRICE PERFORMANCE
5 Days ---
1 Month ---
3 Months ---
YTD ---
1 Year ---
5 Years
-24.96%
COMPETITORS
Name chg % Market cap
CBBL 2.19 % रू 3068.91 करोड
GILB 3.83 % रू 12256.02 करोड
NICLBSL 1.04 % रू 1123.32 करोड
RMDC 2.22 % रू 1236.93 करोड
SKBBL 1.45 % रू 2100.48 करोड
SLBS 0.79 % रू 2711.87 करोड
MORE ON WEB
No floorsheets were found.
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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
32_RWS --- --- --- --- --- --- रू 0 रू 0
36 --- --- --- --- --- --- रू 0 रू 0
40 --- --- --- --- --- --- रू 0 रू 0
44 --- --- --- --- --- --- रू 0 रू 0
48 --- --- --- --- --- --- रू 0 रू 0
52 --- --- --- --- --- --- रू 0 रू 0
55 --- --- --- --- --- --- रू 0 रू 0
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
77/78 - 2nd Quarter
Previous Quarter
77/78 - 1st Quarter
Corresponding Previous Year Quarter
76/77 - 2nd Quarter
Cash and cash equivalent 378,525,000 824,805,000 351,262,000
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 821,868,000 1,294,259,000
Total Assets 26,586,554,000 24,870,667,000 24,799,649,000
Liabilities
Due to bank and Financial Institutions
Due to Nepal Rastra Bank
Derivative Financial Instrument
Deposit from Customers 14,708,563,000 14,000,797,000 12,320,447,000
Borrowings
Current Tax Liabilities
Provisions
Deferred Tax Liabilities
Other Liabilities 993,403,000 1,044,871,000 1,246,363,000
Debt securities issued
Subordinated Liabilities
Total Liabilities 26,586,554,000 24,870,667,000 24,799,649,000
Total Liabilities 26,586,554,000 24,870,667,000 24,799,649,000
Equity
Share Capital 1,500,000,000 1,500,000,000 1,500,000,000
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 1,689,003,000 772,047,000 1,733,487,000
Interest Expense
Net interest Income 1,039,856,000 438,259,000 902,110,000
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 260,260,000 66,376,000 254,804,000
Total Operating Income 1,309,715,000 506,828,000 1,166,897,000
Impairment charge/(reversal) for loans and other losses
Net Operating Income
Loans and Other Losses
Operating Expenses
Personal Expense
Other Operating Expense 60,978,000 69,061,000 66,168,000
Depreciation and Amortization
Operating Profit 90,772,000 -279,289,000 639,843,000
Non operating Income 11 1,706,000
Non operating expenses
Profit before Income Tax
Income tax Expenses
   Current Tax
   Deferred Tax
Profit/(loss) for the period 57,193,000 -279,289,000 404,176,000

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 57,193,000 -279,289,000 404,176,000
Other Comprehensive Income
Total Comprehensive Income
Basic Earning per share 8 19 54
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
77/78 - 2nd Quarter
Previous Quarter
77/78 - 1st Quarter
Corresponding Previous Year Quarter
76/77 - 2nd Quarter
Capital fund to RWA 11 11 12
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 79
Non Interest Income to Operating Cost 66
Interest Expenses to Interest Income 38
Shareholder's Equity 4,389,304,000,000
Number of Outstanding Share 15,000,000
Net Worth Per Share 293 252 201
Earning Per share (EPS Annualized) 8 19 54
PE Ratio 176 17
Price to Book Ratio 5
Return on Equity (Closing Annualized) 3
Return on Asset 0
Market Price High-Low
PEER PERFORMANCE
Companies LTP Intraday 5D % 1M % 3M % YTD % 1Y % Trend
NUBL 1726 91 --- --- --- --- ---
CBBL 1677 36 --- --- --- --- ---
GILB 2169 80 --- --- --- --- ---
RMDC 1196 26 --- --- --- --- ---
SKBBL 1680 24 --- --- --- --- ---
SLBS 2169 17 --- --- --- --- ---
DIVIDENDS
Fiscal Year Bonus Share Cash Dividend Total Dividend Bonus Dist. Date Right Share Right Dist. Date
1 2076/2077 13 % 0.68 % 13.68 % -- -- --
2 2075/2076 25 % 15.53 % 40.53 % 2019-12-15 -- --
3 2074/2075 20 % 22.11 % 42.11 % -- -- --
4 2073/2074 66.67 % 14.04 % 80.71 % -- -- --
5 2072/2073 20 % 11.58 % 31.58 % 2017-01-12 -- --
6 2071/2072 48.81 % 13.1 % 61.91 % 2016-01-27 -- --
Company Information
Registered Office
Head Office Location : Bhagvatibahal, Naxal
Email : info@nirdhan.com
Phone : 4413711
Website : https://www.nirdhan.com.np/
Registered At :
Share Registrar ( RTS )
Name : NIBL Ace Capital Limited
Email : info@niblcapital.com
Phone : 1-4005157, 1-4425280
Address : Lazimpat Kathmandu, Nepal
Website : https://niblcapital.com
Management
Name Designation
Mr. Janardan Dev Pant Chief Executive Officer
Mr. Ganesh Bahadur Thapa Chairperson
Mr. Top Bahadur Rayamajhi Director, Representing, General Public
Mr. Rajendra Bahadur Malla Director, Representing Nabil Bank.
Mr. Girish Kohli Director, Representing Everest Bank Ltd.
Mr. Devendra Bahadur Raut Director, Representing Promotor
Ms Samrita Tiwari Director, Representing General Public
Saradnithi Tiwari Director, Independent Director
About Company

Nirdhan Utthan Laghubitta Bittiya Sanstha Limited

Nirdhan Utthan, “the laghubitta bitiya sanstha for upliftment of the poor” is a microfinance established in November 1998 under Company Act of Nepal 1997 (now Company Act 2006). Nepal Rastra Bank, the Central Bank of Nepal, granted a license in April 1999 to undertake banking activities under the Development Bank Act 1996. It started its formal operation from July 1999. Now, operated under Bank and Financial Institutions Act 2006, Nirdhan Utthan  provides microfinance services such as Loans, Deposits, Micro-insurance and Remittance services to low income families of Nepal. NULBSL follows group lending based on Grameen Bank, Bangladesh model as well as group lending based on NULBSL developed Self-Relaint Group model through a network of 178 branch offices spread over all 77 districts of Nepal.

Though, legally established as a company in 1998, the operation of NUBL is a continuation of microfinance services provided by an NGO called “NIRDHAN” which was providing microfinance services since March 1993. The story behind the establishment of “NIRDHAN” starts from 1986 when Late Dr. Harihar Dev Pant, then senior officer with the Central Bank of Nepal visited Grameen Bank in Bangladesh. This visit inspired him to launch microfinance program in Nepal resulting the birth of “NIRDHAN” or “People Without Money” in 1991. NIRDHAN began its microfinance operations in March 1993.

NIRDHAN, as an NGO had a limited recourses and capacity to satisfy unmet demand of poor people in different part of the country. This resulted the establishment of NUBL as a Company where NIRDHAN NGO became a lead promoter of the bank. In July 1999, NIRDHAN transferred all microfinance operations to NUBL. Strategic reasons for promoting NUBL are:

Banks are supervised and regulated by the Central Bank, which will enforce banking standards;

A bank can have access to different sources of funding enabling it to satisfy financial need of low income households;

The bank can lend to a wider range of clients, including group graduates interested to receive individual loans. Further, a bank can accept collateral for potentially larger and diverse loan products.