Himalayan Bank Ltd.(HBL)

HBL Corporate Office, Kamaladi, Kathmandu, Nepal; Ph: 4227749, 01-4246218, 01-4246219, 01-4250201

RTS: Self
As on

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

Earning Per Share
-125.81
Net Asset Per Share
1401.06
Net Worth Per Share
163.61
Paid up Capital(Rs in '000')
8114529
Reserve and Surplus(Rs in '000')
5202468
Operating Profit(Rs in '000')
2126360
Net Profit(Rs in '000')
1611802
Price Earning Ratio
23.63
Liquidity Ratio
21.85
Fiscal YearBonus ShareCash Dividend
Sector
Commercial Bank
Operation Date
NA
Listed Status
Yes
Face Value
100
Listed Share
64913657
Market Capitalization

Himalayan Bank was established in 1993 in joint venture with Habib Bank Limited of Pakistan. Despite the cut-throat competition in the Nepalese Banking sector, Himalayan Bank has been able to maintain a lead in the primary banking activities- Loans and Deposits. Legacy of Himalayan lives on in an institution that's known throughout Nepal for its innovative approaches to merchandising and customer service. Products such as Premium Savings Account, HBL Proprietary Card and Millionaire Deposit Scheme besides services such as ATMs and Tele-banking were first introduced by HBL. Other financial institutions in the country have been following our lead by introducing similar products and services. Therefore, we stand for the innovations that we bring about in this country to help our Customers besides modernizing the banking sector. With the highest deposit base and loan portfolio amongst private sector banks and extending guarantees to correspondent banks covering exposure of other local banks under our credit standing with foreign correspondent banks, we believe we obviously lead the banking sector of Nepal. The most recent rating of HBL by Bankers’ Almanac as country’s number 1 Bank easily confirms our claim. All Branches of HBL are integrated into Globus (developed by Temenos), the single Banking software where the Bank has made substantial investments. This has helped the Bank provide services like ‘Any Branch Banking Facility’, Internet Banking and SMS Banking. Living up to the expectations and aspirations of the Customers and other stakeholders of being innovative, HBL introduced several new products and services. Millionaire Deposit Scheme, Small and Medium Enterprises Loan, Pre-paid Visa Card, International Travel Quota Credit Card, Consumer Finance through Credit Card and online TOEFL, SAT, IELTS, etc. fee payment facility are some of the products and services. HBL also has a dedicated offsite ‘Disaster Recovery Management System’. Looking at the number of Nepalese workers abroad and their need for formal money transfer channel; HBL has developed exclusive and proprietary online money transfer software- HimalRemitTM. By deputing our own staff with technical tie-ups with local exchange houses and banks, in the Middle East and Gulf region, HBL is the biggest inward remittance handling Bank in Nepal. All this only reflects that HBL has an outside-in rather than inside-out approach where Customers’ needs and wants stand first.

Contact Information
Address
HBL Corporate Office, Kamaladi, Kathmandu, Nepal
Phone
4227749, 01-4246218, 01-4246219, 01-4250201
E-Mail
info@himalayanbank.com
RTS
Self
In Thousands1st Quarter4th Quarter3rd Quarter2nd Quarter
(except for per share items)2074/0752073/0742073/0742073/074
Share Capital 6491624 6491624 6614718 6476320
Reserve Surplus 5686669 5274461 4510030 4002759
Noncontrolling Interest - - - -
Debenture Bond 600000 600000 600000 600000
Loans Borrowing 311405 40000 - 1350053
Deposit Liability 96136781 92881114 92890828 91098628
Domestic Currency 86988091 84096096 83401006 81566656
Foreign Currency 9148690 8785018 9489822 9531972
Bills Payable - - - -
Proposed Dividend - - - -
Income Tax Liability 92945 0 - 18642
Other Liabilities 3852708 3210023 3297544 3251567
Non Controlling interest - - - -
Total Liabilities 113172132 108497222 107913120 106797969
Cash Balance 8292065 8915386 10076868 8270827
Balance with NRB - - - -
Balance with Banks or Financial Institutions - - - -
Money at call and Short Notice 1541238 0 290575 450034
Investments 17840035 17929265 15027102 17935617
Loan Advances 80788349 77654974 78083492 75567816
Real Estate Loan 3116083 3481717 3601989 3652267
Residential Real Estate Loan 402431 707207 692410 743532
Business Complex and Residential Apartment Construction Loan 247213 251163 256624 316902
Income Generating Commerical Complex Loan 631892 630343 624355 627915
Other Real Estate Loan 1834547 1893004 2028600 1963918
Personal Home Loan of Ten Million or Less 4919971 4649307 4786560 4747199
Margin Type Loan 2333320 2465737 2249972 2237185
Term Loan 13037879 12793117 11742562 10733721
Overdraf or TR Loan or WC Loan 43520776 38632673 40534279 39580227
Other 13860320 15632424 15168130 14617217
Fixed Assets 2177081 2176914 2190324 2185540
Non Banking Assets 0 0 - -
Other Assets 2533364 1820683 2244759 2388133
Total Assets 113172132 108497222 107913120 106797967
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 2137024 6936742 2176487 4692774 2865154
Interest Expenses 1361566 3173334 1923181 1060478
Net Interest Income 775458 3763408 2769593 1804676
Fees Commission and Discount 148240 713468 484567 340884
Other Operating Income 26366 129518 71629 49647
Foreign Exchange 160988 609622 452257 321102
Total Operating Income 1111052 5216016 3778046 2516309
Staff Expenses 257985 1058219 750954 475988
Operating Profit Before Provision 648731 3308505 2423038 1644113
Provision for Possible Losses 203407 817327 25794 35042
Operating Profit 445324 2491178 2397244 1609071
Non Operating Income 223 26807 5895 928
Write Back Provision for Possible Losses 198886 915257 - -
Profit from Regular Activities 644413 3433242 2403139 1609999
Extra Ordinary Income 0 2294 7875 6160
Profit Before Bonus and Taxes 644413 3435536 2411014 1616159
Provision for Staff Bonus 58583 312321 219183 146924
Provision for Income Tax 175718 946728 656680 441356
Non Controlling Interest - - - -
Net Profit and Loss 410112 - 1535151 1027879
Captila Fund to RAW 11.98 12.23 11.74 11.25
Non Performing Loan to Total Loan 1.24 0.87 0.9 0.94
Total loan loss Provision to Total NPL 144.84 186.55 197.36 196.79
Cost of Fund as per NRB Directive 6.59 3.99 3.25 2.71
Credit to Deposit Ratio as Per NRB Directive 77.74 79.07 79.9 79.22
Base Rate 9.45 9.57 7.93 6
Average Yield on Loans and Advance and Investment as Per NRB Directive 10.72 8.43 7.82 7.17
Net Interest Spread as Per NRB Directive 4.13 4.73 4.57 4.95
Other Operating Expenses 204336 849292 604054 396208
ROE 13.69 21.24 - -
ROA 1.48 2.09 - -
Liquidity Ratio 20.69 26.64 - -
EPS 25.27 33.53 - -
PE Ratio 35.35 26.43 - -
Net Worth Per Share 187.6 181.25 - -
Assets Per Share 1743.36 1671.34 - -
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, 201852431,624.64
3Jun 28, 2012468-
4Dec 06, 201839427,468.89
5Dec 24, 20154018,023.34