Lumbini Bikas Bank Ltd.(LBBL)

Tripureshwor, KTM, Nepal; Ph: 01-4233373

RTS: Vibor Capital Ltd.
As on

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Financial Highlights (3rd quarter, 2074/075)

Earning Per Share
11.44
Net Asset Per Share
0
Net Worth Per Share
146.61
Paid up Capital(Rs in '000')
2149634
Reserve and Surplus(Rs in '000')
1002044
Operating Profit(Rs in '000')
183493
Net Profit(Rs in '000')
184411
Price Earning Ratio
13.55
Liquidity Ratio
25.25
Fiscal YearBonus ShareCash Dividend
Sector
Development Bank
Operation Date
NA
Listed Status
Yes
Face Value
100
Listed Share
20088785
Market Capitalization

Even today, many entrepreneurial ideas remain wishful thinking. Many others die in infancy. And many more do not reach their fullest potential. We dedicate Vibor to the services of those entrepreneurs whose courage and imagination are the source of inspiration and hope to us all. Vibor Bikas Bank Limited (VIBOR), a national level category B financial institution licensed from Nepal Rastra Bank (the central bank of Nepal), commenced its operation in October 2007. In pursuit to strengthen strategic competitiveness, Vibor Bikas Bank Ltd merged with Bhajuratna Finance and Saving Company Ltd and started joint operation from September 02, 2012 with a vision of ""Together for Better"".

Contact Information
Address
Tripureshwor, KTM, Nepal
Phone
01-4233373
E-Mail
info@viborbank.com
In Thousands4th Quarter3rd Quarter1st Quarter
(except for per share items)2073/0742073/0742073/074
Share Capital 2008878 1815004 1815004 1815004
Reserve Surplus 949257 240287 68504 109920
Noncontrolling Interest - - -
Debenture Bond 0 - -
Loans Borrowing 319971 740334 5000
Deposit Liability 17928045 15064083 14406092 15390372
Domestic Currency 17927965 15064007 14406092 15390293
Foreign Currency 80 76 100 79
Bills Payable - - -
Proposed Dividend - - -
Income Tax Liability 93265 - -
Other Liabilities 1657714 1398521 1536815 1445313
Non Controlling interest - - -
Total Liabilities 22957130 19258229 17831416 18760609
Cash Balance 4632740 3460361 3891616 3348618
Balance with NRB - - -
Balance with Banks or Financial Institutions - - -
Money at call and Short Notice 0 - -
Investments 1001906 656634 642602 644245
Loan Advances 15639584 13568723 11676468 13216497
Real Estate Loan 1927388 1442930 1068838 1432032
Residential Real Estate Loan 210675 190166 94004 170812
Business Complex and Residential Apartment Construction Loan 107930 107146 122588 110062
Income Generating Commerical Complex Loan 100994 103678 102880 105886
Other Real Estate Loan 1507790 1041940 749366 1045272
Personal Home Loan of Ten Million or Less 1474274 1472465 1326548 1457677
Margin Type Loan 734388 741575 726547 786326
Term Loan 2685003 2424608 1890545 2136674
Overdraf or TR Loan or WC Loan 4296359 3348028 3261619 3442250
Other 4522171 4139117 3402370 3961538
Fixed Assets 303309 350206 313017 277959
Non Banking Assets 65579 34940 34940 34940
Other Assets 1314012 1187365 1272772 1238350
Total Assets 22957130 19258229 17831416 18760609
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 1957081 1155453 692404
Interest Expenses 1154288 683490 400120
Net Interest Income 802792 471963 292284
Fees Commission and Discount 10095 5237 3519
Other Operating Income 106425 71631 50537
Foreign Exchange -358 -346 56
Total Operating Income 918954 548485 346396
Staff Expenses 228603 152721 94798
Operating Profit Before Provision 466842 256925 163948
Provision for Possible Losses 10857 32506 48027
Operating Profit 455985 224419 115921
Non Operating Income 40076 18685 8050
Write Back Provision for Possible Losses 15561 - -
Profit from Regular Activities 511622 243104 123971
Extra Ordinary Income 5614 -383 -383
Profit Before Bonus and Taxes 517236 242721 123588
Provision for Staff Bonus 47021 22066 11235
Provision for Income Tax 93265 - -
Non Controlling Interest - - -
Net Profit and Loss 376949 220655 112353
Captila Fund to RAW 17.31 13.86 13.72
Non Performing Loan to Total Loan 2.73 1.75 2.17
Total loan loss Provision to Total NPL 107.99 123.92 103.81
Cost of Fund as per NRB Directive 8.46 7.85 5.84
Credit to Deposit Ratio as Per NRB Directive 75.66 73.35 77.1
Base Rate 12.31 11.62 9.33
Average Yield on Loans and Advance and Investment as Per NRB Directive 13.88 - -
Net Interest Spread as Per NRB Directive 4.98 - -
Other Operating Expenses 223509 138839 87650
ROE 0 - -
ROA 1.64 - -
Liquidity Ratio 27.76 - -
EPS 18.76 - -
PE Ratio 8.95 - -
Net Worth Per Share 147.25 - -
Assets Per Share 1142.78 - -
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)
1Feb 06, 2011179-
2Jul 13, 20141761,025.11
3Jul 01, 2014185277.50
4Dec 12, 20181381,874.70
5Dec 12, 2018150660.72
6Dec 23, 20151331,194.25