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With the distributable profit of Rs. 3.8 arba, Nabil bank increased profit by 16.50% till Q3

By: Nepse Direct Apr 30, 2021

In 3rd quarter of current fiscal year Nabil bank NABIL increased net profit by 16.50% to Rs.3.67 arba compared to last year. Although bank decreased its interest income compared to last year still bank make huge profit compared to its competitors. The Operating Profit Increased by 16.37% to Rs. 5.24 arba and annualized EPS of the bank stands at Rs.36.40. Bank’s distributable profit reach to Rs. 3.80 arba.

The bank’s deposited from customer have a growth rate of 9.18% to Rs. 208,333,818,000 and loans and advances to customer also rose by 25.76% to Rs. 186,193,198,000.  After proposes 35.26% dividend the paid-up capital reach to Rs. 13.18 arba and bank reserve & surplus increased by 11.22%  to Rs.17.52 arba compared to last year.

The Non-Performing Loan (NPL) has decreased to 0.48% from 0.63%.

 

Fundamental Analysis of NABIL:

Particulars

Q3 2077/2078

Q3 2076/2077

Difference

Interest Income

11,828,776,000

12,386,182,000

-4.50%

Interest Expenses

6,731,814,000

7,015,670,000

-4.04%

Net Interest Income

5,096,962,000

5,370,512,000

-5.09%

Other Operating Income

1,055,068,000

351,316,000

200.31%

Operating Profit

5,240,809,000

4,503,467,000

16.37%

Net Profit Before Tax

5,239,985,000

4,502,425,000

16.38%

Net Profit

3,679,870,000

3,158,686,000

16.50%

Net Interest Income Margin

43.08%

43.35%

-0.27%

Operating Profit Margin

44.30%

36.35%

7.95%

Net Profit Margin

31.10%

25.50%

5.6%

Distributable Profit

3,802,495,000

2,095,284,000

81.47%

EPS

36.63

45.74

-19.91%

PE

37.91

14.68

-

Total Assets

277,318,050,000

237,680,030,000

16.67%

Current Assets

272,970,936,000

233,695,470,000

16.80%

Non-Current Assets

4,347,114,000

3,984,560,000

9.09%

Total Liabilities and Equity

277,318,050,000

237,680,030,000

16.67%

Total Liabilities

246,311,061,000

211,824,371,000

16.28%

Current Liabilities

236,840,347,000

203,852,820,000

16.18%

Non-Current Liabilities

9,470,714,000

7,971,551,000

18.80%

Total Equity

31,006,990,000

25,855,659,000

19.92%

Outstanding Share (in Number)

134,801,590

100,974,970

33.50%

Paid-up Capital

13,480,159,000

10,097,497,000

33.50%

Retained Earnings

3,680,052,000

3,576,423,000

2.89%

Reserve and Surplus

13,846,704,000

12,181,664,000

13.66%

Total Debt

2,049,315,000

2,035,874,000

0.66%

Current Ratio

1.15

1.14

0.87%

Book Value per Share

230.02

214.08

7.44%

PB Ratio

5.99

3.03

97.68%

ROE

15.82%

16.87%

-1.05%

Total Debt to Equity

0.06

0.07

-14.28%

Capital Adequacy Ratio

12.28

11.17

9.93%

Non-Performing Loan to Total Loan

0.48%

0.63%

-0.15%

Total Loan Loss Provision to Total NPL

304.82%

242.37%

62.45%

Cost of Fund

4.68%

6.55%

-1.87%

CD Ratio

80.80%

78.88%

1.92%

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