Kumari Bank Ltd.(KBL)

Putalisadak, Kathmandu, Nepal; Ph: 01-4232112 01-4232113

RTS: Self
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Financial Highlights (2nd quarter, 2074/075)

Earning Per Share
16.09
Net Asset Per Share
0
Net Worth Per Share
143.4
Paid up Capital(Rs in '000')
5969496
Reserve and Surplus(Rs in '000')
250947
Operating Profit(Rs in '000')
345586
Net Profit(Rs in '000')
480206
Price Earning Ratio
17.71
Liquidity Ratio
26.35
Fiscal YearBonus ShareCash Dividend
Sector
Commercial Bank
Operation Date
NA
Listed Status
Yes
Face Value
100
Listed Share
59694957
Market Capitalization

Kumari Bank Limited, came into existence as the fifteenth commercial bank of Nepal by starting its banking operations from Chaitra 21, 2057 B.S (April 03, 2001) with an objective of providing competitive and modern banking services in the Nepalese financial market. The bank has paid up capital of Rs. 2,699,166,532 of which 51% is contributed from promoters and remaining from public.

Kumari Bank Ltd has been providing wide - range of modern banking services through 38 points of representations located in various urban and semi urban part of the country, 36 branches outside and inside the valley; and 2 extension counters. The bank is pioneer in providing some of the latest / lucrative banking services like E-Banking and SMS Banking services in Nepal. The bank always focus on building sound technology driven internal system to cater the changing needs of the customers that enhance high comfort and value. The adoption of modern Globus Software, developed by Temenos NV, Switzerland and arrangement of centralized data base system enables customer to make highly secured transactions in any branch regardless of having account with particular branch. Similarly the bank has been providing 365 days banking facilities, extended banking hours till 7 PM in the evening, Utility Bill Payment Services, Inward and Outward Remittance services, Online remit services and various other banking services.

Visa Electron Debit Card, which is accessible in entire VISA linked ATMs (including 46 own ATMs) and POS (Point of Sale) terminals both in Nepal and India, has also added convenience to the customers. The bank has been able to get recognition as an innovative and fast growing institution striving to enhance customer value and satisfaction by backing transparent business practice, professional management, corporate governance and total quality management as the organizational mission.

The key focus of the bank is always center on serving unfulfilled needs of all classes of customers located in various parts of the country by offering modern and competitive banking products and services in their door step. The bank always prioritizes the priorities of the valued customers.

Contact Information
Address
Putalisadak, Kathmandu, Nepal
Phone
01-4232112 01-4232113
E-Mail
info@kumaribank.com
RTS
Self
In Thousands1st Quarter4th Quarter3rd Quarter2nd Quarter
(except for per share items)2074/0752073/0742073/0742073/074
Share Capital 5969496 5969496 3265992 2699167
Reserve Surplus 2740780 2112466 1143499 1643566
Noncontrolling Interest - - - -
Debenture Bond 0 0 0 -
Loans Borrowing 352655 7217 1076648 1107335
Deposit Liability 54648930 52071282 39035512 39946389
Domestic Currency 52807153 50065555 37194165 38122917
Foreign Currency 1841777 2005727 1841347 1823472
Bills Payable - - - -
Proposed Dividend - - - -
Income Tax Liability 0 0 0 -
Other Liabilities 2301740 2478802 1197791 1536520
Non Controlling interest - - - -
Total Liabilities 66013600 62639263 45714495 46932977
Cash Balance 6536196 7772938 4245482 5310483
Balance with NRB - - - -
Balance with Banks or Financial Institutions - - - -
Money at call and Short Notice 600000 515500 51500 532750
Investments 8891013 7526858 6078162 6144928
Loan Advances 47471234 45195171 34486276 33659894
Real Estate Loan 2243821 2220154 1713733 1793235
Residential Real Estate Loan 768615 739408 623838 616186
Business Complex and Residential Apartment Construction Loan 285211 286897 289702 289885
Income Generating Commerical Complex Loan 0 0 0 -
Other Real Estate Loan 1189995 1193849 800193 887164
Personal Home Loan of Ten Million or Less 5594344 5549534 3851707 3880871
Margin Type Loan 1535105 1437723 1098128 1167563
Term Loan 10646986 10428359 7513473 7481530
Overdraf or TR Loan or WC Loan 23482329 21779122 17660881 16870420
Other 3968649 3780280 2648354 2466275
Fixed Assets 386619 403508 260305 257081
Non Banking Assets 85530 85530 0 -
Other Assets 2043009 1139757 592770 1027841
Total Assets 66013600 62639263 45714495 46932977
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 1416602 3596442 2334466 1441067
Interest Expenses 1059856 2299277 1520680 886024
Net Interest Income 356747 1297165 813786 555043
Fees Commission and Discount 61369 208568 150380 104753
Other Operating Income 19564 73689 54752 33916
Foreign Exchange 34801 106449 72872 49304
Total Operating Income 472482 1685871 1091790 743016
Staff Expenses 155589 374669 251873 160266
Operating Profit Before Provision 227405 1014672 644108 457244
Provision for Possible Losses 149821 212985 135646 97844
Operating Profit 77584 801687 508463 359400
Non Operating Income 1492 16323 5876 4320
Write Back Provision for Possible Losses 97076 282578 76356 75263
Profit from Regular Activities 176151 1100587 590695 438983
Extra Ordinary Income 0 0 0 -
Profit Before Bonus and Taxes 176151 1100587 590695 438983
Provision for Staff Bonus 16014 100053 53700 39907
Provision for Income Tax 48041 300160 161099 119722
Non Controlling Interest - - - -
Net Profit and Loss 112096 700374 375897 279354
Captila Fund to RAW 15.25 16.15 11.45 11.47
Non Performing Loan to Total Loan 1.97 1.86 1.26 1.14
Total loan loss Provision to Total NPL 125.91 130.81 170.55 182.58
Cost of Fund as per NRB Directive 7.75 5.93 5.32 4.7
Credit to Deposit Ratio as Per NRB Directive 77.59 78 74.01 77.37
Base Rate 11.15 11.31 10.3 8.07
Average Yield on Loans and Advance and Investment as Per NRB Directive 10.33 9.19 0 -
Net Interest Spread as Per NRB Directive 2.58 3.26 3.08 3.04
Other Operating Expenses 89488 296529 195809 125506
ROE 5.15 8.67 17.31 -
ROA 0.68 1.12 1.62 -
Liquidity Ratio 25.34 26.66 24.32 -
EPS 7.51 11.71 24.64 -
PE Ratio 41.01 27.92 15.5 -
Net Worth Per Share 145.91 135.37 135.01 -
Assets Per Share 1105.85 1049.32 1399.71 -
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, 201824014,115.36
2Apr 03, 2014207-
3Jun 28, 2012228-
4Nov 10, 2013215-