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SAPDBL ( Saptakoshi Development Bank Ltd. ) NEPSE Group A Company

ISIN Number : NPE276A00003

As of Jul 14, 2020
121.00
4
3.2 %
Open
0
High
127
Low
119
Volume
1459
Prev. Close
125
Bid Price
120 ( 500 )
Ask Price
---
BASIC CHART
KEY INDICATORS
Market Capitalization
रू 95.24 करोड
Outstanding Shares
7871117.28
Book Value
124.52
PBV
0.97
Stock P/E
27.31
Dividend ( 2075/2076 )
6.42 %
EPS
4.43
PB X PE
26.54
ROE
--
ROA
--
CAR
28.77
Industrial PE
19.12
Industrial EPS
12.98
52 Weeks High-Low
157 - 102
Lifetime High-Low
631 - 102
180 Day Average Price
117.69
PROMOTER SHARE VALUE
Saptakoshi Development Bank Ltd. Promoter Share ( SKDBLP )
Open
--
High
--
Low
--
Close
--
Classic Tech Red Label
PRICE PERFORMANCE
5 Days ---
1 Month ---
3 Months ---
YTD ---
1 Year ---
5 Years ---
COMPETITORS
Name chg % Market cap
EDBL 1.69 % रू 207.8 करोड
MDB 1.63 % रू 176.09 करोड
ODBL 0.51 % रू 495.5 करोड
TMDBL 1.13 % रू 204.81 करोड
MORE ON WEB
No floorsheets were found.
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STOCK TRADING STRATEGIES
No strategies are available.
TOP BROKERS (As of - Jul 14, 2020)
Sell Buy
Code Qty Amt Commission (Est) Qty Amt Commission (Est) Total Amount Total Commission
22 721 रू 85.95 हजार रू 472.71 10 रू 1.27 हजार रू 7.62 रू 87.22 हजार रू 480.33
32 500 रू 60.5 हजार रू 332.75 131 रू 15.99 हजार रू 95.96 रू 76.49 हजार रू 428.71
57 --- --- --- 500 रू 60.5 हजार रू 332.75 रू 60.5 हजार रू 332.75
45 --- --- --- 397 रू 47.24 हजार रू 283.46 रू 47.24 हजार रू 283.46
38 --- --- --- 200 रू 24 हजार रू 144 रू 24 हजार रू 144
55 --- --- --- 110 रू 13.25 हजार रू 79.5 रू 13.25 हजार रू 79.5
35 --- --- --- 100 रू 11.9 हजार रू 71.4 रू 11.9 हजार रू 71.4
58 77 रू 9.32 हजार रू 55.91 1 रू 122 रू 0.73 रू 9.44 हजार रू 56.64
18 71 रू 8.73 हजार रू 52.4 --- --- --- रू 8.73 हजार रू 52.4
41 50 रू 6.05 हजार रू 36.3 --- --- --- रू 6.05 हजार रू 36.3

Condensed Consolidated Statement of Financial Position

Particular
This Quarter
76/77 - 1st Quarter
Previous Quarter
75/76 - 3rd Quarter
Corresponding Previous Year Quarter
75/76 - 1st Quarter
Cash and cash equivalent 1,050,475,190 115,746,000 133,562,000
Due from Nepal Rastra Bank 149,868,522
Placement with Bank and Financial Institutions
Derivative Financial Instruments
Other Trading Assets
Loan and advances to B/Fis 19,677,345
Loan and advances to Customers 2,449,756,783
Investment Securities 4,502,000
Current Tax Assets
Investment in Subsidiaries
Investment in Associates
Investment Property 2,487,155
Property and Equipment 68,680,749
Goodwill and Intangible assets 3,359,441
Deferred Tax Assets 2,246,029
Other Assets 133,634,271 89,334,000 74,346,000
Total Assets 3,884,687,484 2,236,002,000 2,147,122,000
Liabilities
Due to bank and Financial Institutions
Due to Nepal Rastra Bank
Derivative Financial Instrument
Deposit from Customers 2,870,930,454 1,611,527,000 1,507,976,000
Borrowings
Current Tax Liabilities
Provisions 10,168,998
Deferred Tax Liabilities
Other Liabilities 23,507,429 60,102,000 107,405,000
Debt securities issued
Subordinated Liabilities
Total Liabilities 2,904,606,881 2,236,002,000 2,147,122,000
Total Liabilities 2,904,606,881 2,236,002,000 2,147,122,000
Equity
Share Capital 787,111,728 523,765,000 508,510,000
Share Premium
Retained Earnings 92,261,179
Reserves 100,707,696
Total equity attributable to equity holders 980,080,603
Non-controlling interest
Total Equity 980,080,603
Total Liabilities and Equity 3,884,687,484

Condensed Consolidated Statement of Profit or Loss

Particular This Quarter Previous Quarter Corresponding Previous Year Quarter
Interest Income 109,610,610 186,434,000 58,614,000
Interest Expense -54,107,714
Net interest Income 55,502,895 90,111,000 24,091,000
Fees and Commission Income 879,474
Fees and Commission Expense
Net fee and commission income 879,474
Net interest, fee and commission income 56,382,369
Net Trading income
Other Operating Income 4,369,156 17,087,000 5,255,000
Total Operating Income 60,751,525 29,482,000
Impairment charge/(reversal) for loans and other losses 11,586,372
Net Operating Income 49,165,153
Loans and Other Losses
Operating Expenses
Personal Expense 21,808,353
Other Operating Expense 11,505,794 8,618,000
Depreciation and Amortization 3,428,010
Operating Profit 12,422,996 7,020,000 -7,198,000
Non operating Income 21,450
Non operating expenses
Profit before Income Tax 12,444,446
Income tax Expenses
   Current Tax 3,733,334
   Deferred Tax
Profit/(loss) for the period 8,711,112 22,608,000 1,622,000

Condensed Consolidated Statement of Comprehensive Income

Particular
This Quarter
76/77 - 1st Quarter
Previous Quarter
75/76 - 3rd Quarter
Corresponding Previous Year Quarter
75/76 - 1st Quarter
Profit/(loss) for the period 8,711,112 22,608,000 1,622,000
Other Comprehensive Income
Total Comprehensive Income
Basic Earning per share 4 6 1
Diluted Earning per share 1
Profit attributable to:
   Equity holders of the Bank 8,463,612
   Non-controlling interests
Total 83,781,613
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
76/77 - 1st Quarter
Previous Quarter
75/76 - 3rd Quarter
Corresponding Previous Year Quarter
75/76 - 1st Quarter
Capital fund to RWA 29 30 32
Non-Performing Loan (NPL) to Total loan 3 2 1
Total Loan Loss provision to Total NPL 83
Cost of Funds 7
Credit to Deposit Ratio 67
Base Rate 13
Interest Rate Spread 7
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 125 108 105
Earning Per share (EPS Annualized) 4 6 1
PE Ratio 21 383
Price to Book Ratio
Return on Equity (Closing Annualized)
Return on Asset
Market Price High-Low 130 - 123 122 - 117 128 - 113
PEER PERFORMANCE
Companies LTP Intraday 5D % 1M % 3M % YTD % 1Y % Trend
SAPDBL 121 --- --- --- --- --- ---
EDBL 300 --- --- --- --- 3.45 ---
MDB 301 --- --- --- --- 18.97 28.09
TMDBL 179 --- --- --- --- --- ---
DIVIDENDS
Fiscal Year Bonus Share Cash Dividend Total Dividend Bonus Dist. Date Right Share Right Dist. Date
1 2075/2076 6 % 0.42 % 6.42 % -- -- --
2 2074/2075 3 % 5.03 % 8.03 % -- -- --
3 2073/2074 11 % 0.58 % 11.58 % 2018-04-26 -- --
4 2072/2073 11 % 0.58 % 11.58 % 2017-05-03 01:1.3 Dec 18, 2017
Company Information
Registered Office
Head Office Location : Tankisiniwari
Email : skdbl@wlink.com.np
Phone : 021-528135
Website : http://www.skdbl.com.np
Registered At :
Share Registrar ( RTS )
Name : NMB Capital Limited
Phone : 977 1-4437997
Address : Nagpokhari Marg, Kathmandu 44617, Nepal.
Website : www.nmbcapital.com.np
Management
Name Designation
Mr. Navin Subedi CEO
Mr. Taranath Niroula CHAIRMAN
Mr. Balaram Baral Director
Dr. Puspa Prasad Rijal Director
Mr. Yagya Prasad Sharma Director
Mr. Bhagirath Khanal Director
Dr. Arjun Kumar Baral Director
About Company

Saptakoshi Development Bank Ltd.

Saptakoshi Development Bank Limited is established under Bank and Financial Institution Act 2063, and licensed by Nepal Rastra Bank as a Regional “Kha” level financial institution (Development Bank) with Operating area of Morang, Ilam and Panchthar Districts. The Head Office is located in Tankisinawari – 2, Morang. The promoters of Saptakoshi Development Bank include successful businessman, traders, social workers and professionals having long experience in banking sectors. Saptakoshi Development Bank is equipped with modern technologies and it is providing fast and quality service to the valued customers. Due to the immense support, belief and help, Saptakoshi Development Bank is rapidly extending its services. Our main objective is to provide reliable, trustworthy, efficient and quality banking services to the general public, business community and other beneficiaries with healthy competition in the banking sectors for the development of the nation under the free economy policy of the Nepal government We value our customers and our policies are adapted to meet the best interest of our customers and our stakeholders by reliable services. As our slogan suggests“Our Community Our Bank” we are committed to providing the quality products and services to our community as well as every customer with highest consideration and care. The Bank is committed for good corporate governance practices and banking activities with prudent banking culture. It has been offering various products and services for its customer with competitive rate in market. It has been able to provide diversified service (Modern Banking, Limited Banking and Microfinance) backed by the latest technology.