Araniko Development Bank Ltd.(ARDBL)

Dhulikhel, Kavre, Nepal; Ph: 011-490193

RTS: Siddhartha Capital Ltd.
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Financial Highlights (3rd quarter, 2073/074)

Earning Per Share
17.13
Net Asset Per Share
722.49
Net Worth Per Share
125.02
Paid up Capital(Rs in '000')
394480
Reserve and Surplus(Rs in '000')
98686
Operating Profit(Rs in '000')
60500
Net Profit(Rs in '000')
50676
Price Earning Ratio
Liquidity Ratio
30.98
Fiscal YearBonus ShareCash Dividend
Sector
Development Bank
Operation Date
NA
Listed Status
Yes
Face Value
100
Listed Share
2425500
Market Capitalization

Araniko Development Bank Ltd. was duly registered on 2062/10/27 with the office of the company registrar as per the company Ordinance 2062. Bank commenced its operation from Ashadh 22, 2063 B.S.( July 6, 2006) after obtaining license on 2063/3/16 from Nepal Rastra Bank, the central bank of Nepal at Dhulikhel as a regional level development. The bank is promoted by renowned personalities including bankers, professionals and businessman with their initial equity capital of 15.4 million. The bank is headed by a team of energetic professionals having extensive banking experience.In order to make a strong capital base of the bank the bank also added new promoters and increased its promoter equity shares & equity capital to 10.2 million. As per prudential norms of NRB, the bank raised rest of capital (49% of total paid up capital) through the IPO on 2067 Bhadra and also received a license from NRB for working at three districts namely Kavrepalanchowk, Sindhuli & Dhanusha. To increase the strength of the bank, Araniko Development Bank Ltd and Soorya Development Bank Ltd, having work station in Dolakha District, successfully merged each other after receiving permission from NRB and Company Registrar Office and commenced their business jointly from Ashad 30th, 2070 B.S. After merger, Araniko Development Bank received a license from NRB to increase their existing work station 3 to 10 districts i.e. Kavrepalanchowk, Sindhuli, Dhanusha, Dolakha, Makawanpur, Parsa, Mahottari, Udayapur, Morang & Sunsari. By now the bank has 215 promoters with their equity participation of NRs.12,03,30,000.00 and general public NRs.10,29,00,000.00, Araniko Development Bank Ltd is the first regional level development bank of Dhulikhel with its head office on this city and established as a pioneer development bank in Kavrepalanchowk district.

Joint transaction with Century Commercial Bank Ltd. from 28 Jestha 2074.

Contact Information
Address
Dhulikhel, Kavre, Nepal
Phone
011-490193
E-Mail
araniko@ntc.net.np
In Thousands3rd Quarter1st Quarter2nd Quarter
(except for per share items)2073/0742073/0742073/074
Share Capital 394480.89 257830.65 301661.86
Reserve Surplus 98686.46 138831.81 162925.84
Noncontrolling Interest - - -
Debenture Bond - - -
Loans Borrowing - - -
Deposit Liability 2240058.84 2095455.44 2274710.22
Domestic Currency 2240058.84 2095455.44 2274710.22
Foreign Currency - - -
Bills Payable - - -
Proposed Dividend - - -
Income Tax Liability 21718.59 3502.36 15742.23
Other Liabilities 95130.75 203362.98 160994.65
Non Controlling interest - - -
Total Liabilities 2356908.18 2698983.24 2916034.8
Cash Balance 192545.83 222599.37 209548.8
Balance with NRB - - -
Balance with Banks or Financial Institutions - - -
Money at call and Short Notice 424892.18 497924.23 590561.87
Investments 53315.59 51546.89 62084.55
Loan Advances 2068563.85 1790708.97 1938956.43
Real Estate Loan 57224.15 41032.41 50049.13
Residential Real Estate Loan - - -
Business Complex and Residential Apartment Construction Loan - - -
Income Generating Commerical Complex Loan - - -
Other Real Estate Loan 57224.15 41032.41 50049.13
Personal Home Loan of Ten Million or Less 140688.2 121080.05 138846.41
Margin Type Loan 226881.17 234384.37 178847.95
Term Loan 143842.22 127330.14 146284.65
Overdraf or TR Loan or WC Loan 640024.77 608503.21 627015.54
Other 859903.34 658378.79 797912.75
Fixed Assets 51282.63 47401.35 49352.21
Non Banking Assets - - -
Other Assets 59475.45 88802.43 65530.94
Total Assets 2850075.53 2698983.24 2916034.8
In Thousands
Share Capital
Reserve Surplus
Noncontrolling Interest
Debenture Bond
Loans Borrowing
Deposit Liability
Domestic Currency
Foreign Currency
Bills Payable
Proposed Dividend
Income Tax Liability
Other Liabilities
Non Controlling interest
Total Liabilities
Cash Balance
Balance with NRB
Balance with Banks or Financial Institutions
Money at call and Short Notice
Investments
Loan Advances
Real Estate Loan
Residential Real Estate Loan
Business Complex and Residential Apartment Construction Loan
Income Generating Commerical Complex Loan
Other Real Estate Loan
Personal Home Loan of Ten Million or Less
Margin Type Loan
Term Loan
Overdraf or TR Loan or WC Loan
Other
Fixed Assets
Non Banking Assets
Other Assets
Total Assets
In Thousands3rd Quarter1st Quarter2nd Quarter
(except for per share items)2073/0742073/0742073/074
Interest Income 177377.34 49587.14 114037.9
Interest Expenses 84225.58 24525.87 49268.96
Net Interest Income 93151.76 25.61 64768.94
Fees Commission and Discount 4863.11 941.13 3505.72
Other Operating Income 37212.86 9321.78 21390.14
Foreign Exchange - - -
Total Operating Income 135227.73 35324.17 89664.8
Staff Expenses 33645.68 12809.3 22765.15
Operating Profit Before Provision 78593.87 3623.79 53160.77
Provision for Possible Losses 18093.71 18891.08 12752.18
Operating Profit 60500.16 9026.34 40408.59
Non Operating Income - - -
Write Back Provision for Possible Losses 19134.67 2977.23 17312.91
Profit from Regular Activities 79634.83 12841.97 57721.5
Extra Ordinary Income - - -
Profit Before Bonus and Taxes 79634.83 12841.97 57721.5
Provision for Staff Bonus 7239.53 1167.45 5247.41
Provision for Income Tax 21718.59 3502.36 15742.23
Non Controlling Interest - - -
Net Profit and Loss 50676.71 8172.16 36731.86
Captila Fund to RAW - 17.49 15.97
Non Performing Loan to Total Loan - 1.64 0.48
Total loan loss Provision to Total NPL - 129.46 291.93
Cost of Fund as per NRB Directive - 6.63 6.61
Credit to Deposit Ratio as Per NRB Directive - 72.44 74.7
Base Rate - - -
Average Yield on Loans and Advance and Investment as Per NRB Directive - - -
Net Interest Spread as Per NRB Directive - - -
Other Operating Expenses 22988.18 9864.74 13738.88
ROE - - -
ROA - - -
Liquidity Ratio - - -
EPS - - -
PE Ratio - - -
Net Worth Per Share - - -
Assets Per Share - - -
In Thousands (except for per share items)
Interest Income
Interest Expenses
Net Interest Income
Fees Commission and Discount
Other Operating Income
Foreign Exchange
Total Operating Income
Staff Expenses
Operating Profit Before Provision
Provision for Possible Losses
Operating Profit
Non Operating Income
Write Back Provision for Possible Losses
Profit from Regular Activities
Extra Ordinary Income
Profit Before Bonus and Taxes
Provision for Staff Bonus
Provision for Income Tax
Non Controlling Interest
Net Profit and Loss
Captila Fund to RAW
Non Performing Loan to Total Loan
Total loan loss Provision to Total NPL
Cost of Fund as per NRB Directive
Credit to Deposit Ratio as Per NRB Directive
Base Rate
Average Yield on Loans and Advance and Investment as Per NRB Directive
Net Interest Spread as Per NRB Directive
Other Operating Expenses
ROE
ROA
Liquidity Ratio
EPS
PE Ratio
Net Worth Per Share
Assets Per Share
In Thousands (except for per share items)
Net Profit to Gross Income
Earning per Share
Market Value per Share
Price Earning Ratio
Dividend on Share Capital
Capital Adequacy Fund
Cash Dividend
Interest Income to Loan and Advance
Staff Expenses to Total Operating Expenses
Interest Expenses to Total Deposit and Borrow
Exchange Gain to Total Assets
Exchange Fluctuation Income or Total Income
Staff Bonus to Total Staff Expenses
Net Profit to Loan and Advance
Net Profit to Total Assets
CD Ratio
Total Operating Expenses to Total Assets
Core Capital
Supplementary Capital
Total Capital Fund
Liquidity
Nonperforming Loan to Total Loan
Weighted Average Interest Rate Spread
Return of Asset
Book Net Worth
Book Net Worth per Share
Total Shares
Total Staff
Return on Equity
DateFiscal YearDurationTitle
DateQuantityRateAmount
DateCloseVolumeAmount
SNTraded DateLast PriceMkt Cap (Mil)
1Jun 02, 2016411269.06
2Jan 06, 2014435190.25
3Jun 30, 2016377754.00
4Apr 20, 20173404,825.17
5Mar 28, 2017365524.74
6Nov 24, 20163092,892.92