Civil Bank Ltd.(CBL)

Classic Complex, Tindhara Road, Kamaladi, Kathmandu, Nepal; Ph: 4169040, 4169030

RTS: Civil Capital Market Ltd.
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Financial Highlights (1st quarter, 2074/075)

Earning Per Share
8.49
Net Asset Per Share
842.08
Net Worth Per Share
133.87
Paid up Capital(Rs in '000')
5185222
Reserve and Surplus(Rs in '000')
1756274
Operating Profit(Rs in '000')
-137225
Net Profit(Rs in '000')
113369
Price Earning Ratio
27.33
Liquidity Ratio
25.15
Fiscal YearBonus ShareCash Dividend
Sector
Commercial Bank
Operation Date
NA
Listed Status
Yes
Face Value
100
Listed Share
47158201
Market Capitalization

Founded by promoters coming from a diverse professional backgrounds (such as real-estate, manufacturing, trading, financial industry) with a vision to become a most trusted bank by providing dedicated service to all the clients/customer through thick and thin, Civil Bank envisions in becoming a dominant player in the banking industry of Nepal and firmly believes in contributing to its economic growth by rendering services to, and empowering all classes and sectors of society. Civil Bank is a policy driven Bank which functions with the principle of ""zero tolerance"" in terms of compliances with all the regulations, policy, manuals/guidelines and prudential banking norms and always believes and functions with ethical business values. Driven by the customer centered philosophy, Civil Bank Limited always endeavors to provide essential banking services and access to finance to Nepali denizens from all strata across the country through the support of sophisticated technology. To ensure the quality and efficiency in the service delivery to its customer/clients, Bank has adopted the latest technology with a view to establish it as a technology driven Bank. The Bank steadfastly endeavors to create value for all stakeholders including its promoters and shareholders in its wholehearted attempts to become "the Bank" of the people through sustainable earnings. Civil Bank has now substantially grown to become a bigger institution in terms of capital, asset size and business volumes. With the completion of merger with former Axis Development Bank Limited and former Civil Merchant Bittiya Sanstha Limited, Civil Bank now figures in the Top Seven Banks in terms of paid-up capital out of 30 commercial Banks in Nepal. Similarly, the total Asset Size, Deposit Portfolio and Risk Assets Portfolio of the Bank have grown exponentially to NPR 27.52 Billion, NPR 21.23 Billion and NPR 19.44 Billion (as of May end, 2014) respectively during last 3 ½ years of operations. In a short span of time, the total strength of the Bank’s workforce has also increased significantly to exceed 400 and its network of branches have reached 41 which has enabled the Bank to meet the demands and financial/banking requirements of the customer across the country more efficiently. With an array of techno-tailored products and services supported with the state-of-the art technology, Civil Bank has placed itself as one of the leading Banks in terms of technology driven products and services. The Bank follows prudent practices to conform to the central bank’s directives while ensuring constant adherence to its values, culture and traditions ingrained since inception. The Bank has been moving forward through strategic growth while being socially responsible.

Civil Bank Limited & Axis Development limited & Civil Merchant Bitiya Sanstha Limited merged in 1 :0.79 :0.79 swap ratio. Joint transcation date is 2014-04-14

Contact Information
Address
Classic Complex, Tindhara Road, Kamaladi, Kathmandu, Nepal
Phone
4169040, 4169030
E-Mail
info@civilbank.com.npi
In Thousands1st Quarter4th Quarter3rd Quarter2nd Quarter
(except for per share items)2074/0752073/0742073/0742073/074
Share Capital 5185222 5185222 4583806 4583806
Reserve Surplus 1756274 1493548 1312919 1428083
Noncontrolling Interest - - - -
Debenture Bond 0 0 0 -
Loans Borrowing 1787500 403500 403500 750000
Deposit Liability 34248136 34110741 33811873 32934926
Domestic Currency 33729160 33647714 33551548 32622138
Foreign Currency 518976 463027 260325 312788
Bills Payable - - - -
Proposed Dividend - - - -
Income Tax Liability 0 0 0 -
Other Liabilities 686417 526583 806734 904423
Non Controlling interest - - - -
Total Liabilities 43663549 41719594 40918832 40601238
Cash Balance 4499815 4462949 3609124 3335609
Balance with NRB - - - -
Balance with Banks or Financial Institutions - - - -
Money at call and Short Notice 200000 0 0 200000
Investments 6685710 6583464 6043501 6180899
Loan Advances 30958745 29490059 29807232 29505072
Real Estate Loan 1559559 1484604 1487544 1477600
Residential Real Estate Loan 509256 410522 437465 239515
Business Complex and Residential Apartment Construction Loan 142446 143698 129382 119190
Income Generating Commerical Complex Loan 61704 95348 95499 69921
Other Real Estate Loan 846153 835036 825198 1048974
Personal Home Loan of Ten Million or Less 1387857 1348279 1213284 1149295
Margin Type Loan 122124 130472 73995 128398
Term Loan 9506361 9007374 8377006 8260370
Overdraf or TR Loan or WC Loan 15400442 14280877 15396034 14970379
Other 2982402 3238453 3259369 3519030
Fixed Assets 270595 279164 273844 285323
Non Banking Assets 0 0 0 -
Other Assets 1048684 903958 1185131 1094335
Total Assets 43663549 41719594 40918832 40601238
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 Thousands1st Quarter4th Quarter3rd Quarter2nd Quarter
(except for per share items)2074/0752073/0742073/0742073/074
Interest Income 981255 3207706 2151450 1363315
Interest Expenses 694965 2084866 1417915 813949
Net Interest Income 286290 1122840 733535 549366
Fees Commission and Discount 24121 86717 61829 47408
Other Operating Income 30717 114307 81826 71093
Foreign Exchange 29134 99107 74446 42425
Total Operating Income 370262 1422971 951636 710292
Staff Expenses 95054 330249 232370 140873
Operating Profit Before Provision 194486 786478 504941 431760
Provision for Possible Losses 331711 676387 474921 431553
Operating Profit -137225 110091 30020 207
Non Operating Income 1 8802 12166 -
Write Back Provision for Possible Losses 314509 437290 274493 262753
Profit from Regular Activities 177285 556183 316678 262960
Extra Ordinary Income 866 -99071 -73976 -
Profit Before Bonus and Taxes 178151 457112 242703 262960
Provision for Staff Bonus 16195 41556 22064 23905
Provision for Income Tax 48587 77442 66192 71716
Non Controlling Interest - - - -
Net Profit and Loss 113369 338114 154447 167339
Captila Fund to RAW 19.62 19.45 17.54 17.74
Non Performing Loan to Total Loan 4.69 4.05 4.66 4.45
Total loan loss Provision to Total NPL 93.84 111.11 95.42 88.46
Cost of Fund as per NRB Directive 8.08 6.83 6.32 5.55
Credit to Deposit Ratio as Per NRB Directive 76.48 75.73 77.75 79.07
Base Rate 11.55 11.59 11.1 8.78
Average Yield on Loans and Advance and Investment as Per NRB Directive 11.09 9.49 8.88 8.61
Net Interest Spread as Per NRB Directive 3.01 2.66 1.14 3.06
Other Operating Expenses 80722 306244 214325 137659
ROE 6.34 5.06 3.51 -
ROA 1.01 0.81 0.51 -
Liquidity Ratio 25.15 29.65 24.98 -
EPS 8.49 6.52 4.52 -
PE Ratio 27.33 37.73 61.93 -
Net Worth Per Share 133.87 128.8 128.64 -
Assets Per Share 842.08 804.59 892.68 -
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
DateFiscal YearDurationTitle
DateQuantityRateAmount
DateCloseVolumeAmount
SNTraded DateLast PriceMkt Cap (Mil)
1Dec 06, 201818913,648.00
2Feb 02, 2012160-
3Dec 06, 20181867,534.34