Gandaki Bikas Bank Ltd.(GDBL)

Pokhara , Kaski, Nepal; Ph: 061-540466

RTS: Global IME Capital Limited
As on

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Amount
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Financial Highlights (3rd quarter, 2074/075)

Earning Per Share
19.69
Net Asset Per Share
1080.34
Net Worth Per Share
156.33
Paid up Capital(Rs in '000')
2304908
Reserve and Surplus(Rs in '000')
1298354
Operating Profit(Rs in '000')
521812
Net Profit(Rs in '000')
340444
Price Earning Ratio
11.93
Liquidity Ratio
28.30
Fiscal YearBonus ShareCash Dividend
Sector
Development Bank
Operation Date
NA
Listed Status
Yes
Face Value
100
Listed Share
4576000
Market Capitalization

Gandaki Bikash Bank Limited is first and one of the leading Bank of Pokhara.The  Bank is established under the company act 2063 at New Road Pokhara in Magh 12 2061 B.S.

Contact Information
Address
Pokhara , Kaski, Nepal
Phone
061-540466
E-Mail
hop@gandakibank.com.np
In Thousands4th Quarter3rd Quarter2nd Quarter1st Quarter
(except for per share items)2073/0742073/0742073/0742073/074
Share Capital 1843926 643956 643956 538560
Reserve Surplus 934968 238515 203668 249310
Noncontrolling Interest - - - -
Debenture Bond 0 - - -
Loans Borrowing 0 - - -
Deposit Liability 18334571 6039687 5879836 5560482
Domestic Currency 18334571 6039687 5879836 5560482
Foreign Currency 0 - - -
Bills Payable - - - -
Proposed Dividend - - - -
Income Tax Liability 231687 - 8763 13964
Other Liabilities 693643 161451 123624 208614
Non Controlling interest - - - -
Total Liabilities 22038796 7083609 6859847 6570930
Cash Balance 4418040 1614820 1470194 1432576
Balance with NRB - - - -
Balance with Banks or Financial Institutions - - - -
Money at call and Short Notice 0 - - -
Investments 401528 19697 15504 7843
Loan Advances 16518077 5263612 5176805 4811235
Real Estate Loan 1456753 332642 381054 375074
Residential Real Estate Loan 16966 - - -
Business Complex and Residential Apartment Construction Loan 261050 - - -
Income Generating Commerical Complex Loan 0 - - -
Other Real Estate Loan 1178736 332642 381054 375074
Personal Home Loan of Ten Million or Less 2332749 873235 896151 869936
Margin Type Loan 249 - - -
Term Loan 800712 303645 321534 225768
Overdraf or TR Loan or WC Loan 6751693 2705607 2670534 2460608
Other 5175922 1048483 907532 879849
Fixed Assets 216662 131223 129127 132109
Non Banking Assets 0 - - -
Other Assets 484489 54257 68217 187167
Total Assets 22038796 7083609 6859847 6570930
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 2191446 493691 313335 145462
Interest Expenses 1125496 234990 142168 71198
Net Interest Income 1065950 258701 171167 76264
Fees Commission and Discount 11028 669 1688 176
Other Operating Income 125334 33611 24481 11667
Foreign Exchange 27.61 26 21 5
Total Operating Income 1202339 293007 197357 86112
Staff Expenses 180436 39603 27573 15699
Operating Profit Before Provision 867638 220591 150062 9075
Provision for Possible Losses 24652 21020 13696 61338
Operating Profit 842986 199571 136366 11061
Non Operating Income 8484 2911 2404 745
Write Back Provision for Possible Losses 0 8052 7855 179
Profit from Regular Activities 851470 210534 146625 51201
Extra Ordinary Income -1949 - - -
Profit Before Bonus and Taxes 849520 210534 146625 51201
Provision for Staff Bonus 77229 19140 13330 4655
Provision for Income Tax 231687 57419 39989 13964
Non Controlling Interest - - - -
Net Profit and Loss 540604 133975 93306 32582
Captila Fund to RAW 19.58 13.99 13.33 13.06
Non Performing Loan to Total Loan 0.4 0.27 0.22 0.05
Total loan loss Provision to Total NPL 319.97 447.02 501.71 251.23
Cost of Fund as per NRB Directive 8.15 5.74 5.14 5.65
Credit to Deposit Ratio as Per NRB Directive 78.29 69.73 76.95 76.16
Base Rate 11.06 8.72 8.09 8.91
Average Yield on Loans and Advance and Investment as Per NRB Directive 0 - - -
Net Interest Spread as Per NRB Directive 5.63 6.27 6.86 -
Other Operating Expenses 154266 32813 19722 50277
ROE 0 - - -
ROA 0 - - -
Liquidity Ratio 25.87 - - -
EPS 29.32 - - -
PE Ratio 0 - - -
Net Worth Per Share 150.71 - - -
Assets Per Share 1195.21 - - -
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)
1Mar 14, 20172192,912.61
2Apr 06, 2017219219.00
3Aug 19, 20181972,074.11
4Apr 13, 2014176-
5Feb 06, 2011179-
6Jul 13, 20141761,025.11