NCC Bank Ltd.(NCCB)

Bagh Bazar, Kathmandu, Nepal; Ph: 977-1-4246991

RTS: Sunrise Capital Ltd.
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Financial Highlights (1st quarter, 2074/075)

Earning Per Share
14.07
Net Asset Per Share
1549.04
Net Worth Per Share
158.23
Paid up Capital(Rs in '000')
4679058
Reserve and Surplus(Rs in '000')
2724624
Operating Profit(Rs in '000')
12521
Net Profit(Rs in '000')
164583
Price Earning Ratio
27.22
Liquidity Ratio
28.85
Fiscal YearBonus ShareCash Dividend
Sector
Commercial Bank
Operation Date
NA
Listed Status
Yes
Face Value
100
Listed Share
46790582
Market Capitalization

Nepal Credit & Commerce Bank Ltd. (NCC Bank) formally registered as Nepal - Bank of Ceylon Ltd. (NBOC), commenced its operation on October 14, 1996 as a Joint Venture with Bank of Ceylon, Sri Lanka. It was then the first private sector Bank with the largest authorized capital of NRS. 1,000 million. The Head Office of the Bank is located at Siddhartha Nagar, Rupandehi, the birthplace of LORD BUDDHA, while its Corporate Office is located at Bagbazar, Kathmandu. The name of the Bank was changed to Nepal Credit & Commerce Bank Ltd., (NCC Bank) on 10th September, 2002, due to transfer of shares and management of the Bank from Bank of Ceylon, to Nepalese Promoters.
NCC Bank completed its 20 years of banking services on October 14, 2016 and recently,  entered into a historic merger with four Development Banks – Infrastructure Development Bank Ltd., Apex Development Bank Ltd., Supreme Development Bank Ltd. and International Development Bank Ltd. The Bank started its joint transaction from January 01, 2017 has now become one of the largest private sector commercial bank. At present NCC provides banking services and facilities to rural and urban areas of the country through its 96 branches and 61 ATMs scattered all over the country from Far West to Far East.  The Bank has developed corresponding agency relationship with more than 150 International Banks having worldwide network.

Contact Information
Address
Bagh Bazar, Kathmandu, Nepal
Phone
977-1-4246991
E-Mail
mainbranch@nccbank.com.np
In Thousands1st Quarter4th Quarter3rd Quarter2nd Quarter
(except for per share items)2074/0752073/0742073/0742073/074
Share Capital 4679058 4679058 4679058 4679058
Reserve Surplus 2724624 2560040 2393685 2303938
Noncontrolling Interest 0 - - -
Debenture Bond 484312 0 0 -
Loans Borrowing 61381218 779231 1350222 2500
Deposit Liability 60545038 58795094 55264918 55468025
Domestic Currency 836180 58132336 54398316 54532905
Foreign Currency 70535 662758 866602 935120
Bills Payable 3140803 - - -
Proposed Dividend 72480550 - - -
Income Tax Liability 11664127 300073 71727 33266
Other Liabilities 861722 3905087 3710867 3452176
Non Controlling interest 8584585 - - -
Total Liabilities 48876156 71018583 67470477 65938963
Cash Balance 1233002 13313896 10544862 7478968
Balance with NRB 342270 - - -
Balance with Banks or Financial Institutions 79067 - - -
Money at call and Short Notice 18600 581628 1043479 2500518
Investments 793065 5875001 4427669 4923016
Loan Advances 3863725 48168820 48702751 48422669
Real Estate Loan 627371 1885318 1604346 1673788
Residential Real Estate Loan 5675019 596097 182474 185574
Business Complex and Residential Apartment Construction Loan 21168169 64533 70317 70867
Income Generating Commerical Complex Loan 16308870 18685 19339 19475
Other Real Estate Loan 686440 1206003 1332216 1397872
Personal Home Loan of Ten Million or Less 0 3626270 4166068 4262331
Margin Type Loan 1807520 635554 800630 924767
Term Loan - 5385183 5095830 4946937
Overdraf or TR Loan or WC Loan - 20464622 20661180 20283104
Other - 16171873 16374697 16331742
Fixed Assets - 721089 757235 796284
Non Banking Assets - 630021 625184 626576
Other Assets - 1728128 1369297 1190932
Total Assets - 71018583 67470477 65938963
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 1494446 4412674 3800809 2411027
Interest Expenses 1281447 2690493 2253425 1379843
Net Interest Income 212999 1722181 1547384 1031184
Fees Commission and Discount 42519 213274 124997 76585
Other Operating Income 42779 147722 145869 108436
Foreign Exchange 13539 37038 31171 21465
Total Operating Income 311836 2120215 1849421 1237670
Staff Expenses 154030 474306 372346 251269
Operating Profit Before Provision 48222 1227803 1093471 730498
Provision for Possible Losses 35701 821283 1006815 653756
Operating Profit 12521 406520 86656 76742
Non Operating Income 14698 30550 17798 11906
Write Back Provision for Possible Losses 231411 1333217 166971 41752
Profit from Regular Activities 258630 1770287 271425 130400
Extra Ordinary Income 0 3048 -8427 -8427
Profit Before Bonus and Taxes 258630 1773335 262998 121973
Provision for Staff Bonus 23512 161212 23909 11088
Provision for Income Tax 70535 286306 71727 33266
Non Controlling Interest - - - -
Net Profit and Loss 164583 1325817 167362 77619
Captila Fund to RAW 11.68 12.3 12.06 12.05
Non Performing Loan to Total Loan 4.29 4.8 4.68 4.94
Total loan loss Provision to Total NPL 104.42 102.91 112.59 99.71
Cost of Fund as per NRB Directive 8.21 5.99 5.75 5.28
Credit to Deposit Ratio as Per NRB Directive 70.83 71.48 77.14 78.68
Base Rate 11.43 9.32 8.79 8.27
Average Yield on Loans and Advance and Investment as Per NRB Directive 11.18 9.74 9.07 8.6
Net Interest Spread as Per NRB Directive 2.97 3.75 3.32 3.32
Other Operating Expenses 109584 418106 383604 255903
ROE 9.46 23.16 6.74 -
ROA 0.9 2.39 0.72 -
Liquidity Ratio 28.85 25.12 28.73 -
EPS 14.07 28.34 10.63 -
PE Ratio 27.22 13.51 42.71 -
Net Worth Per Share 158.23 154.71 151.16 -
Assets Per Share 1549.04 1517.8 1441.97 -
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)
1Apr 03, 2014207-
2Jun 28, 2012228-
3Nov 10, 2013215-
4Dec 12, 201819614,153.48
5Dec 12, 20181887,615.35
6Dec 12, 20181758,265.30