Karnali Development Bank Ltd.(KRBL)

Surkhetroad, Nepalgunj; Ph: 081-526014/15

RTS: Prabhu Capital Ltd.
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Amount
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Financial Highlights (4th quarter, 2074/075)

Earning Per Share
6.76
Net Asset Per Share
2020
Net Worth Per Share
107.88
Paid up Capital(Rs in '000')
502830
Reserve and Surplus(Rs in '000')
39647
Operating Profit(Rs in '000')
16034
Net Profit(Rs in '000')
10203
Price Earning Ratio
20.57
Liquidity Ratio
67.76
Fiscal YearBonus ShareCash Dividend
Sector
Development Bank
Operation Date
2038-03-05
Listed Status
Yes
Face Value
100
Listed Share
1630800
Market Capitalization

Karnali Development Bank Ltd. was established on Falgun 6, 2060 under Bank Act 2052 BS. Its head office is located in Nepalgunj and it gradually opened its 11 branches at Tulsipur, Ghorahi, Lamahi, Bhaluwang, Kohalpur, Khajura, Gulariya, Sanoshree, Bansgadhi & Bhurigaun including Head Office. The primary mission of Karnali Development Bank Ltd is to establish, develop, expand and facilitate the productivity of feasible manufacturing and to create employment so as to uplift the rural and urban economy through agriculture, trade and industry by mobilizing the local human and capital resources. We are in the process of expanding our branches at different places, thus meeting the expectations of our rural depositors.

Contact Information
Address
Surkhetroad, Nepalgunj
Phone
081-526014/15
E-Mail
kdbl@ntc.net.np/info@kdblnepal.com
In Thousands4th Quarter3rd Quarter2nd Quarter
(except for per share items)2073/0742073/0742073/074
Share Capital 151000 151000 151000
Reserve Surplus 40051 32387 39842
Noncontrolling Interest - - -
Debenture Bond 45050 0 -
Loans Borrowing 0 0 -
Deposit Liability 0 1808747 1799003
Domestic Currency 2001814 1808747 1799003
Foreign Currency 2001814 0 -
Bills Payable - - -
Proposed Dividend - - -
Income Tax Liability 5634 1630 3109
Other Liabilities 18379 20764 9122
Non Controlling interest - - -
Total Liabilities 2261928 2014528 2002076
Cash Balance 268056 237468 200525
Balance with NRB - - -
Balance with Banks or Financial Institutions - - -
Money at call and Short Notice 761046 600343 620322
Investments 0 0 -
Loan Advances 1039222 969148 984346
Real Estate Loan 0 0 -
Residential Real Estate Loan 0 0 -
Business Complex and Residential Apartment Construction Loan 0 0 -
Income Generating Commerical Complex Loan 0 0 -
Other Real Estate Loan 0 0 -
Personal Home Loan of Ten Million or Less 0 0 -
Margin Type Loan 0 0 -
Term Loan 651035 596750 612990
Overdraf or TR Loan or WC Loan 362551 349887 348501
Other 25636 22511 22855
Fixed Assets 78362 80964 79965
Non Banking Assets 6829 6829 -
Other Assets 108413 119776 116918
Total Assets 2261928 2014528 2002076
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 Quarter
(except for per share items)2073/0742073/0742073/074
Interest Income 1881396 113527 77494
Interest Expenses 1003711 71540 45842
Net Interest Income 877685 41987 31652
Fees Commission and Discount 12245 2767 991
Other Operating Income 88804 12161 7766
Foreign Exchange 58 0 -
Total Operating Income 978791 56915 40409
Staff Expenses 174131 21022 14214
Operating Profit Before Provision 670479 12502 11986
Provision for Possible Losses 33624 6526 6214
Operating Profit 636855 5976 5772
Non Operating Income 130652 0 -
Write Back Provision for Possible Losses 28760 0 -
Profit from Regular Activities 796266 5976 5772
Extra Ordinary Income 0 0 -
Profit Before Bonus and Taxes 796266 5976 5772
Provision for Staff Bonus 72388 543 525
Provision for Income Tax 221255 1630 1574
Non Controlling Interest - - -
Net Profit and Loss 502624 3803 3673
Captila Fund to RAW 20.12 13.62 14
Non Performing Loan to Total Loan 0.88 4.72 3.71
Total loan loss Provision to Total NPL 182.05 157.58 125.47
Cost of Fund as per NRB Directive 8.4 6.2 5.16
Credit to Deposit Ratio as Per NRB Directive 73.59 48.65 51.02
Base Rate 11.56 0 -
Average Yield on Loans and Advance and Investment as Per NRB Directive 0 0 -
Net Interest Spread as Per NRB Directive 4.54 0 -
Other Operating Expenses 134182 23391 14209
ROE 18.1 0 -
ROA 0 0 -
Liquidity Ratio 31.64 46.32 -
EPS 21.93 3.36 -
PE Ratio 14.91 160.01 -
Net Worth Per Share 143.09 121.45 -
Assets Per Share 916.41 1334.12 -
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)
1Dec 06, 2018111234.21
2Dec 06, 2018109109.00
3Sep 07, 201199-
4Oct 16, 201182-
5Apr 12, 20128542.50