Everest Bank Ltd.(EBL)

EBL House, Lazimpat,Kathmandu , Nepal; Ph: 977-1-4443377

RTS: Self
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Amount
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Financial Highlights (4th quarter, 2074/075)

Earning Per Share
31.7
Net Asset Per Share
1816.91
Net Worth Per Share
178.43
Paid up Capital(Rs in '000')
8106863
Reserve and Surplus(Rs in '000')
6295820
Operating Profit(Rs in '000')
3935137
Net Profit(Rs in '000')
2544536
Price Earning Ratio
20.91
Liquidity Ratio
37.84
Fiscal YearBonus ShareCash Dividend
Sector
Commercial Bank
Operation Date
NA
Listed Status
Yes
Face Value
100
Listed Share
60352359
Market Capitalization

Catering to more than 7.5 lacs customers, Everest Bank Limited (EBL) is a name you can depend on for professionalized & efficient banking services. Founded in 1994, the Bank has been one of the leading banks of the country and has been catering its services to various segments of the society. With clients from all walks of life, the Bank has helped develop the nation corporately, agriculturally & industrially.

Joint Venture Partner

Punjab National Bank (PNB), our joint venture partner (holding 20% equity) is the largest nationalized bank in India having presence virtually in all important centers. Owing to its performance during the year 2012-13, the Bank earned many laurels & accolades in recognition to its service & overall performance. Recently, PNB was awarded with "IDRBT Banking Technology Excellence Award" under Customer Management & Intelligence Initiatives. The Bank also bagged "Golden Peacock Business Excellence Award 2013" by Institute of Directors. Similarly, the Bank was recognized as 'Best Public Sector Bank' by CNBC TV 18. The bank has now more than 6,635 branches and 8622 (as on 30th sept 2015) ATMs spread all across the India. As a joint-venture partner, PNB has been providing top management support to EBL under Technical Service Agreement.

Contact Information
Address
EBL House, Lazimpat,Kathmandu , Nepal
Phone
977-1-4443377
E-Mail
ebllaz@ebl.com.np
RTS
Self
In Thousands1st Quarter4th Quarter3rd Quarter2nd Quarter
(except for per share items)2074/0752073/0742073/0742073/074
Share Capital 6115235 5741095 4606427 4606427
Reserve Surplus 6678253 5883759 5433543 4879236
Noncontrolling Interest - - - -
Debenture Bond 1068845 1068845 1068845 1068845
Loans Borrowing 16676 12500 12500 7500
Deposit Liability 99371205 95094461 92811441 90436607
Domestic Currency 92347331 89015404 86195606 84124231
Foreign Currency 7023874 6079058 6615835 6312376
Bills Payable - - - -
Proposed Dividend - - - -
Income Tax Liability 214276 0 13803 6440
Other Liabilities 9712359 9707079 10085105 11652097
Non Controlling interest - - - -
Total Liabilities 123176848 117507740 114031664 112657152
Cash Balance 19383421 21381228 23375661 20572150
Balance with NRB - - - -
Balance with Banks or Financial Institutions - - - -
Money at call and Short Notice 400000 0 - 2800031
Investments 16350288 11964561 12366167 12470342
Loan Advances 81859369 78284679 73550547 72618124
Real Estate Loan 4036662 4966143 5079148 4130920
Residential Real Estate Loan 1550429 2420551 2329168 2238969
Business Complex and Residential Apartment Construction Loan 695318 814968 977729 1006243
Income Generating Commerical Complex Loan 889929 873332 893680 609316
Other Real Estate Loan 900986 857292 878571 276392
Personal Home Loan of Ten Million or Less 11303562 10392405 10165050 10036938
Margin Type Loan 1222730 1284344 1236404 1360426
Term Loan 19432000 18399385 17458032 16995472
Overdraf or TR Loan or WC Loan 36393726 33647188 29793137 30791677
Other 9470689 9595214 9818776 9302691
Fixed Assets 754481 728399 783774 756221
Non Banking Assets 0 0 - -
Other Assets 4429289 5148873 3955515 3440284
Total Assets 123176848 117507740 114031664 112657152
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 2205818 6748565 4577252 2828193
Interest Expenses 1174877 3009549 1902289 1061560
Net Interest Income 1030941 3739016 2674963 1766633
Fees Commission and Discount 89592 346180 249442 167706
Other Operating Income 125734 565130 384330 259321
Foreign Exchange 28399 94026 65862 44317
Total Operating Income 1274666 4744352 3374597 2237977
Staff Expenses 242441 881422 484546 334980
Operating Profit Before Provision 891658 3182017 2446589 1583363
Provision for Possible Losses 60701 122449 91533 96570
Operating Profit 830957 3059568 2355056 1486793
Non Operating Income 1761 10936 7452 4662
Write Back Provision for Possible Losses 2455 43324 35306 35306
Profit from Regular Activities 835173 3113828 2397814 1526761
Extra Ordinary Income 0 0 - -
Profit Before Bonus and Taxes 835173 3113828 2397814 1526761
Provision for Staff Bonus 75925 283075 217983 138796
Provision for Income Tax 227774 849055 653949 416389
Non Controlling Interest - - - -
Net Profit and Loss 531474 1981698 1525882 971576
Captila Fund to RAW 15.46 14.85 13.88 13.25
Non Performing Loan to Total Loan 0.26 0.51 0.67 70
Total loan loss Provision to Total NPL 100 100 100 100
Cost of Fund as per NRB Directive 4.85 4.82 4.18 2.79
Credit to Deposit Ratio as Per NRB Directive 76.91 76.94 70.89 76.66
Base Rate 7.91 7.68 7.03 -
Average Yield on Loans and Advance and Investment as Per NRB Directive 9.68 0 4.74 -
Net Interest Spread as Per NRB Directive 4.83 4.48 8.92 -
Other Operating Expenses 140567 680913 443462 319634
ROE 17.51 23.5 - -
ROA 1.78 1.72 - -
Liquidity Ratio 36.29 31.46 - -
EPS 35.22 43.78 - -
PE Ratio 35.29 30.9 - -
Net Worth Per Share 210.65 229.99 - -
Assets Per Share 2040.96 2596.04 - -
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, 201856521,186.41
2Dec 06, 201861953,893.93
3Jun 28, 2012468-
4Dec 06, 201847730,963.81