Garima Bikas Bank Ltd.(GBBL)

Lal Durbar,Kathmandu; Ph: 014445424, 014445425

RTS: ACE Capital Ltd.
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Financial Highlights (3rd quarter, 2074/075)

Earning Per Share
14.81
Net Asset Per Share
896.55
Net Worth Per Share
122.52
Paid up Capital(Rs in '000')
2534880
Reserve and Surplus(Rs in '000')
570926
Operating Profit(Rs in '000')
436923
Net Profit(Rs in '000')
281564
Price Earning Ratio
12.22
Liquidity Ratio
25.90
Fiscal YearBonus ShareCash Dividend
Sector
Development Bank
Operation Date
NA
Listed Status
Yes
Face Value
100
Listed Share
22042434
Market Capitalization

Garima Bikas Bank Ltd. was established by a group of enthusiastic, dedicated and successful professionals and entrepreneurs from different fields including business, teaching, engineering, banking, accounting, management etc. The management team also consists of experienced, qualified and devoted professionals. The bank was incorporated under Company Act on 2064.04.22. On 2064.06.24, it acquired licence from Nepal Rastra Bank to perform its financial transactions which was approved by the Company Registrar's office on 2064.5.29. The bank started its formal operations on 2064.07.18 from Waling 3, Syangja. However in the third AGM it was decided to shift the head office to Pokhara. This step was taken to speed up the expansion plan and also to facilitate the upgrading the bank to a national level development bank.

Nilgiri Bikash Bank Ltd. and Garima Bikash Bank Ltd. merged with Swap ratio 1:1

Joint transcation date was 2016/07/13

Garima Bikas Bank Ltd. & Subekshya Bikash Bank Ltd. merged in 1:1 swap ratio. Joint transcation date 2016-09-20

Contact Information
Address
Lal Durbar,Kathmandu
Phone
014445424, 014445425
E-Mail
info@garimabank.com.np
In Thousands4th Quarter3rd Quarter2nd Quarter1st Quarter
(except for per share items)2073/0742073/0742073/0742073/074
Share Capital 2204243.48 1296613.81 1080511.51 1080511.51
Reserve Surplus 625563.77 468959.5 618895.48 506695.31
Noncontrolling Interest - - - -
Debenture Bond 0 - - -
Loans Borrowing 0 - - -
Deposit Liability 14513390.54 13394570.33 13370927.79 12012996.93
Domestic Currency 14513390.54 13394570.33 13370927.79 12012996.93
Foreign Currency 0 - - -
Bills Payable - - - -
Proposed Dividend - - - -
Income Tax Liability 148804.01 108475.88 166074.09 117988.3
Other Liabilities 452853.56 430799.91 402254.5 406451.95
Non Controlling interest - - - -
Total Liabilities 17944855.35 15699419.43 15638663.37 14124644
Cash Balance 1236093.23 1093324.23 1030302.21 1081046.08
Balance with NRB - - - -
Balance with Banks or Financial Institutions - - - -
Money at call and Short Notice 3054808.36 1795724.53 2281042.45 1578664.44
Investments 181652.5 213903.75 105676.84 152097.34
Loan Advances 12990800.88 12090493.42 11701998.92 10829392.89
Real Estate Loan 736656.6 704088.67 692078.83 626429.02
Residential Real Estate Loan 227208.15 218150.65 213578.39 194299.08
Business Complex and Residential Apartment Construction Loan 0 - - -
Income Generating Commerical Complex Loan 291630.96 282539.26 284846.83 267003.31
Other Real Estate Loan 217817.49 203398.76 193653.61 165126.63
Personal Home Loan of Ten Million or Less 1835036.78 1805726.21 1841990.73 1771969.28
Margin Type Loan 3500 - 2500 -
Term Loan 2920538.51 2594161.41 2683377.93 2351884.47
Overdraf or TR Loan or WC Loan 3525990.53 3173845.78 3148906.54 2996994.04
Other 3969078.46 3812671.35 3333144.89 3082116.07
Fixed Assets 170100.13 176366.37 144197.89 127374.65
Non Banking Assets 0 - - -
Other Assets 311400.25 329607.13 375445.06 356068.6
Total Assets 17944855.35 15699419.43 15638663.37 14124644
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 1503354.24 1046422.9 636830.86 266557.77
Interest Expenses 754198.27 502713.1 293429.01 133190.77
Net Interest Income 749155.96 543709.8 343401.85 133367.49
Fees Commission and Discount 10083.02 7157.34 4269.87 1738.6
Other Operating Income 120428.72 81561.17 59269.68 27079.44
Foreign Exchange 0 - - -
Total Operating Income 879667.7 632428.31 406941.4 162185.54
Staff Expenses 167048.33 94943.98 58236.03 30991.8
Operating Profit Before Provision 557468.43 432806.65 287940.51 30068.06
Provision for Possible Losses 30921.61 45150.54 37568.56 101125.68
Operating Profit 526546.82 387656.11 250371.95 17750.47
Non Operating Income 5758.49 426.39 346.2 171.01
Write Back Provision for Possible Losses 6187.02 2500 - -
Profit from Regular Activities 538452.33 390582.5 250718.15 73546.22
Extra Ordinary Income 0 - - -
Profit Before Bonus and Taxes 538452.33 390582.5 250718.15 73546.22
Provision for Staff Bonus 48950.21 35507.5 22792.56 6686.02
Provision for Income Tax 146850.63 106522.5 68377.68 20058.06
Non Controlling Interest - - - -
Net Profit and Loss 342651.49 248552.5 159547.91 -
Captila Fund to RAW 25.04 - 16.8 16.98
Non Performing Loan to Total Loan 0.24 - 0.84 0.66
Total loan loss Provision to Total NPL 499.74 - 168.29 216.24
Cost of Fund as per NRB Directive 7.62 - 5.59 5.18
Credit to Deposit Ratio as Per NRB Directive 71.41 - 77.73 79.72
Base Rate 12.5 - 8.95 8.75
Average Yield on Loans and Advance and Investment as Per NRB Directive 0 - - -
Net Interest Spread as Per NRB Directive 5.82 - 6.25 6.39
Other Operating Expenses 155150.94 104677.68 60764.86 73375.21
ROE 0 - - -
ROA 0 - - -
Liquidity Ratio 27.05 - - -
EPS 15.55 - - -
PE Ratio 19.04 - - -
Net Worth Per Share 128.38 - - -
Assets Per Share 814.11 - - -
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)
1Feb 06, 2011179-
2Jul 13, 20141761,025.11
3Jul 01, 2014185277.50
4Dec 12, 2018150660.72
5Dec 12, 2018152700.49
6Dec 12, 20181603,214.21