Innovative Development Bank Ltd.(INDB)

Siddharthanagar, Rupandehi, Nepal; Ph: 071-526301

RTS: NMB Capital Ltd.
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Financial Highlights (3rd quarter, 2073/074)

Earning Per Share
24.85
Net Asset Per Share
904.51
Net Worth Per Share
128.28
Paid up Capital(Rs in '000')
35368.75
Reserve and Surplus(Rs in '000')
100035.32
Operating Profit(Rs in '000')
88252.42
Net Profit(Rs in '000')
65908.15
Price Earning Ratio
16.82
Liquidity Ratio
24.76
Fiscal YearBonus ShareCash Dividend
Sector
Development Bank
Operation Date
NA
Listed Status
Yes
Face Value
100
Listed Share
3175006
Market Capitalization

Innovative Development Bank Limited was registered on 20/12/2065 with the Office of company register as per Bank and Financial Institution Act, 2063. Bank came in operation from 13th November 2009 after obtaining the license from Nepal Rastra Bank as a ""B"" class financial institution. The bank is promoted by renowned and established businessmen, industrialists, bankers, doctors, engineers, lawyers, intellectuals, retired civil servant etc. The bank is headed by a team of professionals having extensive banking experience and exposure. The working area of the bank is Rupandehi, Nawalparasi and Chitwan district. The central office and initial service coverage area of the bank is Siddharthanagar Municipality of Rupandehi and its surroundings. The bank is planning to extend its banking activities and services in the working area in a phase wise manner.

Joint transaction of Innovative Dev Bank and Century Commercial Bank is started fron 28 Jestha 2074, Sunday.

Contact Information
Address
Siddharthanagar, Rupandehi, Nepal
Phone
071-526301
E-Mail
info@innovativedevelopmentbank.com
In Thousands3rd Quarter2nd Quarter1st Quarter
(except for per share items)2073/0742073/0742073/074
Share Capital 353683.75 353683.75 290500
Reserve Surplus 100035.32 75687.16 108544.49
Noncontrolling Interest - - -
Debenture Bond 0 - -
Loans Borrowing 0 - -
Deposit Liability 2623063.28 2628012.28 2603682.8
Domestic Currency 2623063.28 2628012.28 2603682.8
Foreign Currency 0 - -
Bills Payable - - -
Proposed Dividend - - -
Income Tax Liability 28246.35 17811.43 29223.81
Other Liabilities 94090.09 88674.71 122545.48
Non Controlling interest - - -
Total Liabilities 3199118.79 3163869.33 3154496.58
Cash Balance 187931.58 50826.73 57620.53
Balance with NRB - - -
Balance with Banks or Financial Institutions - - -
Money at call and Short Notice 573929.67 709908.69 855832.23
Investments 6000 1000 1000
Loan Advances 2368239.83 2352318.95 2176569.53
Real Estate Loan 105010.7 135692.28 131502.73
Residential Real Estate Loan 0 - -
Business Complex and Residential Apartment Construction Loan 0 - -
Income Generating Commerical Complex Loan 0 - -
Other Real Estate Loan 105010.7 135692.28 131502.73
Personal Home Loan of Ten Million or Less 278805.86 286597.52 271311.86
Margin Type Loan 0 - -
Term Loan 409353 298941 306739
Overdraf or TR Loan or WC Loan 1009800 1020401 948286
Other 565270.27 610687.15 518729.94
Fixed Assets 15627.53 15937.98 16380.63
Non Banking Assets 0 - -
Other Assets 47390.18 33876.98 47093.66
Total Assets 3199118.79 3163869.33 3154496.58
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 Thousands3rd Quarter2nd Quarter1st Quarter
(except for per share items)2073/0742073/0742073/074
Interest Income 237319 151590.5 66744.7
Interest Expenses 103847.4 65153.43 32743.9
Net Interest Income 133471.79 86437.07 34000.8
Fees Commission and Discount 1981.53 610.7 290.61
Other Operating Income 13795.99 11062.06 5196.34
Foreign Exchange 0 - -
Total Operating Income 149249.31 98109.83 39487.75
Staff Expenses 15995.1 11036.5 6245.35
Operating Profit Before Provision 112014.42 73228.89 6565.95
Provision for Possible Losses 23762 19718.11 26676.45
Operating Profit 88252.42 53510.78 15283.49
Non Operating Income 0 - -
Write Back Provision for Possible Losses 15317.53 11797.78 510.85
Profit from Regular Activities 103569.95 65308.56 11903.81
Extra Ordinary Income 0 - -
Profit Before Bonus and Taxes 103569.95 65308.56 11903.81
Provision for Staff Bonus 9415.45 5937.14 1082.16
Provision for Income Tax 28246.35 17811.43 3246.49
Non Controlling Interest - - -
Net Profit and Loss 65908.15 41559.99 7575.15
Captila Fund to RAW 17.44 16.23 16.27
Non Performing Loan to Total Loan 0.29 0.56 1.19
Total loan loss Provision to Total NPL 440.56 225.51 139.75
Cost of Fund as per NRB Directive 6.59 5.26 5.05
Credit to Deposit Ratio as Per NRB Directive 76.97 76.94 72.48
Base Rate 0 - -
Average Yield on Loans and Advance and Investment as Per NRB Directive 13.33 12.62 12.51
Net Interest Spread as Per NRB Directive 6.74 7.38 7.58
Other Operating Expenses 21239.79 13844.44 11392.96
ROE 20.89 - -
ROA 2.91 - -
Liquidity Ratio 24.76 - -
EPS 24.85 - -
PE Ratio 16.82 - -
Net Worth Per Share 128.28 - -
Assets Per Share 904.51 - -
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 06, 2014435190.25
2Jun 14, 2016468411.09
3Jun 08, 2017460335.78
4Mar 28, 2017365524.74
5Jun 30, 2016377754.00
6Apr 20, 20173404,825.17