Citizen Bank International Ltd.(CZBIL)

Narayanhiti, Kathmandu; Ph: 977-1-4262699

RTS: CBIL Capital Ltd.
As on

Rs.
,
Tran.
Volume
Amount
  Buy  Sell  Hold

Financial Highlights (4th quarter, 2074/075)

Earning Per Share
17.53
Net Asset Per Share
980
Net Worth Per Share
134.46
Paid up Capital(Rs in '000')
8033236
Reserve and Surplus(Rs in '000')
2768093
Operating Profit(Rs in '000')
1956134
Net Profit(Rs in '000')
1408454
Price Earning Ratio
13.46
Liquidity Ratio
20.64
Fiscal YearBonus ShareCash Dividend
Sector
Commercial Bank
Operation Date
NA
Listed Status
Yes
Face Value
100
Listed Share
80291600
Market Capitalization

Massive changes and developments have taken place during the past two decades in the financial sector. Amidst all these changes, for economic growth and development of New Nepal, Liberalization, Privatization and Globalization in this sector has given birth to the largest commercial bank, “Citizens Bank International Ltd”. The Bank is located at Sharada Sadan, Kamaladi, Kathmandu, the heart of financial sector of the country.It is promoted by eminent personalities/business and industrial houses and reputed individual having high social standing. It is managed by a team of experienced bankers and professionals.

Contact Information
Address
Narayanhiti, Kathmandu
Phone
977-1-4262699
E-Mail
info@ctznbank.com
In Thousands1st Quarter4th Quarter3rd Quarter2nd Quarter
(except for per share items)2074/0752073/0742073/0742073/074
Share Capital 8029160 6921690 5876440 5537352
Reserve Surplus 1687971 2527163 2176179 1915233
Noncontrolling Interest - - - -
Debenture Bond 500000 500000 500000 500000
Loans Borrowing 3351624 1533578 808884 1634462
Deposit Liability 54632707 52718581 55560895 52749234
Domestic Currency 54388634 52471899 55222855 52328618
Foreign Currency 244073 246682 338040 420616
Bills Payable - - - -
Proposed Dividend - - - -
Income Tax Liability 0 0 - 7641
Other Liabilities 2858270 2350131 2025417 2746905
Non Controlling interest - - - -
Total Liabilities 71059732 66551143 66947815 65090827
Cash Balance 6381983 6056238 6798965 6929810
Balance with NRB - - - -
Balance with Banks or Financial Institutions - - - -
Money at call and Short Notice 1625209 152055 1152308 302776
Investments 9027604 8599381 7912253 7660223
Loan Advances 50065803 48077612 47800018 46782081
Real Estate Loan 5571728 5435403 5457330 5172087
Residential Real Estate Loan 1634609 1765125 1766865 1753118
Business Complex and Residential Apartment Construction Loan 936481 848834 845256 963532
Income Generating Commerical Complex Loan 223000 225000 227000 229000
Other Real Estate Loan 2777638 2596444 2618209 2226437
Personal Home Loan of Ten Million or Less 2981424 2765467 2717405 2767077
Margin Type Loan 3142145 3114286 3233132 3310285
Term Loan 9717514 9716909 9546831 9027636
Overdraf or TR Loan or WC Loan 12841926 11289192 11252456 11879664
Other 15811066 15756355 15592864 14625332
Fixed Assets 1823945 1765129 1302264 1286159
Non Banking Assets 0 0 - -
Other Assets 2135188 1900728 1982007 2129779
Total Assets 71059732 66551143 66947815 65090828
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 1605430 4919927 3356022 2041321
Interest Expenses 1123981 3169545 2101204 1186174
Net Interest Income 481449 1750382 1254818 855147
Fees Commission and Discount 31878 125924 92990 57431
Other Operating Income 108708 352889 262738 194954
Foreign Exchange 72535 182493 141972 97447
Total Operating Income 694570 2411688 1752518 1204979
Staff Expenses 112350 412381 323832 211418
Operating Profit Before Provision 477932 1562950 1119055 802540
Provision for Possible Losses 54780 313409 231905 119688
Operating Profit 423152 1249542 887150 682852
Non Operating Income 7231 63495 58241 32063
Write Back Provision for Possible Losses 71059 901375 829487 696842
Profit from Regular Activities 501442 2214411 1774878 1411757
Extra Ordinary Income 0 -348657 -387535 -419136
Profit Before Bonus and Taxes 501442 1865754 1387343 992621
Provision for Staff Bonus 45586 169614 126122 90238
Provision for Income Tax 136757 485962 378366 270715
Non Controlling Interest - - - -
Net Profit and Loss 319099 1210178 882855 631668
Captila Fund to RAW 16.01 16.91 13.85 13.42
Non Performing Loan to Total Loan 1.99 1.28 1.55 1.32
Total loan loss Provision to Total NPL 135.31 161.43 133.64 152.14
Cost of Fund as per NRB Directive 8.02 8 7.1 5.2
Credit to Deposit Ratio as Per NRB Directive 76.62 77.42 67.17 79.4
Base Rate 10.72 11.17 10.03 7.78
Average Yield on Loans and Advance and Investment as Per NRB Directive 11.64 11.19 3.95 8.69
Net Interest Spread as Per NRB Directive 3.62 3.19 11.05 3.49
Other Operating Expenses 104288 436357 309631 191021
ROE 13.32 16.4 - -
ROA 1.86 1.99 - -
Liquidity Ratio 23.38 22.87 - -
EPS 15.9 17.48 - -
PE Ratio 19.31 23.05 - -
Net Worth Per Share 121.02 136.51 - -
Assets Per Share 885.02 961.49 - -
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)
1Jun 28, 2012228-
2Dec 06, 201824014,115.36
3Dec 06, 201824014,326.79
4Dec 06, 201821615,312.63
5Apr 03, 2014207-
6Nov 10, 2013215-