Excel Development Bank Ltd.(EDBL)

Birtamode, Jhapa, Nepal; Ph: 023-543714

RTS: ACE Capital Ltd.
As on

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Financial Highlights (4th quarter, 2074/075)

Earning Per Share
22.61
Net Asset Per Share
931.44
Net Worth Per Share
138.74
Paid up Capital(Rs in '000')
692673.98
Reserve and Surplus(Rs in '000')
268312.94
Operating Profit(Rs in '000')
212701.21
Net Profit(Rs in '000')
156600.71
Price Earning Ratio
14.42
Liquidity Ratio
32.24
Fiscal YearBonus ShareCash Dividend
Sector
Development Bank
Operation Date
NA
Listed Status
Yes
Face Value
100
Listed Share
48795887
Market Capitalization

Development Banking Sector remained dominated by government owned bank for more than five decades. With the liberalization of economy private sector started to promote development banks obtaining license from Nepal Rastra Bank, the central Bank of Nepal. Excel Development Bank Limited is licensed by Nepal Rastra Bank under banking and financial Regulation Act 2061.The bank is promoted by a group of experienced and highly motivated individuals from all walks on life. The promoters include; professional bankers, Entrepreneurs, Educationalists and Technocrats. The bank's central office is located in Birtamode, Jhapa, the far eastern part of Nepal. At present the banks working area is Illam, Jhapa and Morang districts. The bank is committed to deliver its services to the customers through easy banking procedures. Since the bank is located in the rural area, it indicates to serve the need of common people by providing simple yet modern banking facilities. It is transparent in its approach and workings.

Contact Information
Address
Birtamode, Jhapa, Nepal
Phone
023-543714
E-Mail
info@edb.com.np
In Thousands4th Quarter3rd Quarter2nd Quarter1st Quarter
(except for per share items)2073/0742073/0742073/0742073/074
Share Capital 384562.5 384562.5 307650 307650
Reserve Surplus 233358.38 197724.27 231453.98 190220.41
Noncontrolling Interest - - - -
Debenture Bond 0 - - -
Loans Borrowing 25000 25000 845000 460000
Deposit Liability 4620633.76 4221021.7 4057201.21 3795301.11
Domestic Currency 4620633.76 4221021.7 4057201.21 3795301.11
Foreign Currency 0 - - -
Bills Payable - - - -
Proposed Dividend - - - -
Income Tax Liability 64705.73 49433.96 30927.05 54432.18
Other Liabilities 159783.09 158482.76 144021.37 153460.81
Non Controlling interest - - - -
Total Liabilities 5488043.45 5036225.19 5616253.61 4961064.51
Cash Balance 547176.7 390213.97 476453.72 548329.84
Balance with NRB - - - -
Balance with Banks or Financial Institutions - - - -
Money at call and Short Notice 872001.25 671818.12 1319371.1 853918.91
Investments 41618.86 36475.45 27117.52 14043.63
Loan Advances 3821039.09 3758894.54 3593191.4 3307906.67
Real Estate Loan 454498.2 408830.82 382042.58 341482.53
Residential Real Estate Loan 27911.35 28032.92 28308.73 28565.66
Business Complex and Residential Apartment Construction Loan 5549.65 5640.05 5734.26 5824.53
Income Generating Commerical Complex Loan 0 - - -
Other Real Estate Loan 421037.21 375157.85 347999.59 307092.34
Personal Home Loan of Ten Million or Less 449016.16 419248.26 391175.16 345187.69
Margin Type Loan 41274.13 25298.07 14298.46 16182.71
Term Loan 638785.12 667874.14 645256.75 598394.67
Overdraf or TR Loan or WC Loan 1663021.72 1695064.1 1773686.01 1684352.82
Other 574443.75 542579.15 386732.44 322306.26
Fixed Assets 41237.33 45137.83 44702.42 43887.4
Non Banking Assets 0 - - -
Other Assets 164970.22 133685.28 155417.45 192978.06
Total Assets 5488043.45 5036225.19 5616253.61 4961064.51
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 Thousands4th Quarter3rd Quarter2nd Quarter1st Quarter
(except for per share items)2073/0742073/0742073/0742073/074
Interest Income 482163.92 152674.71 341641.32 206560.93 92818.38
Interest Expenses 167261.83 109117.52 57896.55 24465.59
Net Interest Income 314902.09 232523.8 148664.38 68352.79
Fees Commission and Discount 11178.75 4742.71 2496.82 1141.72
Other Operating Income 20855.31 15979.18 11129.65 5509.4
Foreign Exchange 0 - - -
Total Operating Income 346936.04 253245.69 162290.85 75003.9
Staff Expenses 52831.73 32765.38 22215.98 12465.74
Operating Profit Before Provision 247179.7 195404.07 123620.58 9316.14
Provision for Possible Losses 33572 29792.85 20811.67 53219.03
Operating Profit 213607.7 165611.22 102808.91 14232.43
Non Operating Income 2961.48 2003.79 786.29 594.92
Write Back Provision for Possible Losses 23348.21 16305.92 12467.06 3984.86
Profit from Regular Activities 239917.4 183920.93 116062.26 43566.38
Extra Ordinary Income 0 - - -
Profit Before Bonus and Taxes 239917 183920.93 116062.26 43566.38
Provision for Staff Bonus 21810.67 16720.08 10551.11 3960.58
Provision for Income Tax 65432.02 50160.25 31653.34 11881.74
Non Controlling Interest - - - -
Net Profit and Loss - 117040.6 73857.81 27724.06
Captila Fund to RAW 12.89 12.75 11.56 11.5
Non Performing Loan to Total Loan 1.02 1.04 1.03 1.54
Total loan loss Provision to Total NPL 176.4 184.72 180.27 134.92
Cost of Fund as per NRB Directive 5.33 5.11 4.96 2.82
Credit to Deposit Ratio as Per NRB Directive 73.26 78.62 78.56 77.44
Base Rate 10.27 - - -
Average Yield on Loans and Advance and Investment as Per NRB Directive 12.96 12.75 - -
Net Interest Spread as Per NRB Directive 7.57 7.69 8.3 -
Other Operating Expenses 46924.61 25076.24 16454.29 38986.6
ROE 32.82 - - -
ROA 2.78 - - -
Liquidity Ratio 30.71 - - -
EPS 39.7 - - -
PE Ratio 15.72 - - -
Net Worth Per Share 160.68 - - -
Assets Per Share 1427.09 - - -
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)
1Jan 28, 20152831,008.90
2Nov 24, 20163092,892.92
3Jul 13, 2014280599.58
4Nov 26, 20152101,702.26
5Jul 10, 2018231725.16
6Mar 14, 20172192,912.61