Nepal Community Development Bank Ltd.(NCDB)

Butwal , Rupandehi, Nepal; Ph: 071-541817

RTS: NIBL ACE Capital Market Ltd.
As on

Rs.
,
Tran.
Volume
Amount
  Buy  Sell  Hold

Financial Highlights (2nd quarter, 2074/075)

Earning Per Share
8.62
Net Asset Per Share
578.68
Net Worth Per Share
117.75
Paid up Capital(Rs in '000')
447624
Reserve and Surplus(Rs in '000')
79432
Operating Profit(Rs in '000')
22694
Net Profit(Rs in '000')
19291
Price Earning Ratio
17.52
Liquidity Ratio
36.34
Fiscal YearBonus ShareCash Dividend
Sector
Development Bank
Operation Date
NA
Listed Status
Yes
Face Value
100
Listed Share
2202892
Market Capitalization

Nepal Community Development Bank Ltd. is established in Butwal, under the Bank and Financial Institution Act 2063 as a regional Development Bank. Initially, the bank is to operate within three districts: Rupandehi, Nawalparasi and Chitwan. The bank will expand its business in other districts as per the requirement of community. The bank is committed to provide effective and efficient banking services in the proposed area, where the banking activities are in short supply.

Contact Information
Address
Butwal , Rupandehi, Nepal
Phone
071-541817
E-Mail
info@ncdbank.com
In Thousands4th Quarter3rd Quarter2nd Quarter1st Quarter
(except for per share items)2073/0742073/0742073/0742073/074
Share Capital 220294.9 220294.9 220294.9 209500
Reserve Surplus 59676.18 46148.5 40181.87 42225.23
Noncontrolling Interest - - - -
Debenture Bond 0 - - -
Loans Borrowing 0 - - -
Deposit Liability 1766589.11 1799904.81 1849118.22 1627067.52
Domestic Currency 1766589.11 1799904.81 1849118.22 1627067.52
Foreign Currency 0 - - -
Bills Payable - - - -
Proposed Dividend - - - -
Income Tax Liability 15475.54 10262.36 7705.23 9720.43
Other Liabilities 47759.35 53176.33 42131.35 40130.13
Non Controlling interest - - - -
Total Liabilities 2109795.08 2129786.9 2159431.57 1928643.31
Cash Balance 158628.61 149423.77 151166.42 153179.14
Balance with NRB - - - -
Balance with Banks or Financial Institutions - - - -
Money at call and Short Notice 307544.44 312505.72 413433.33 335184.14
Investments 1122.9 1122.9 - -
Loan Advances 1568066.92 1593053.17 1532474.58 1384355.41
Real Estate Loan 134981.28 144276.59 176029.81 179969.29
Residential Real Estate Loan 0 - - -
Business Complex and Residential Apartment Construction Loan 34989.57 34998.86 49986.33 49996.04
Income Generating Commerical Complex Loan 0 - - -
Other Real Estate Loan 99991.57 109277.73 126043.48 129973.25
Personal Home Loan of Ten Million or Less 162032.24 160119.32 153341.39 148090.53
Margin Type Loan 0 - - -
Term Loan 176400.08 178080.97 175214.25 153442.04
Overdraf or TR Loan or WC Loan 571067.93 588841.51 587318.55 494861.36
Other 523585.39 521734.78 440570.58 407992.19
Fixed Assets 29971.2 26751.69 28037.18 30366.5
Non Banking Assets 0 - - -
Other Assets 44461.01 46929.65 34320.06 25558.12
Total Assets 2109795.08 2129786.9 2159431.57 1928643.31
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 Quarter1st Quarter
(except for per share items)2073/0742073/0742073/0742073/074
Interest Income 212999.89 149785.05 91768.85 41508.19
Interest Expenses 105246.85 75188.57 41785 18745.46
Net Interest Income 107753.04 74596.48 49983.85 22762.73
Fees Commission and Discount 1776.7 1160.14 712.87 298.99
Other Operating Income 15066.92 12075.83 9478.1 6034.01
Foreign Exchange 0 - - -
Total Operating Income 124596.66 87832.45 60174.82 29095.73
Staff Expenses 28279.23 18718.98 12535.08 6809
Operating Profit Before Provision 66552 48223.44 33902.93 5511.84
Provision for Possible Losses 20263.16 14436.07 7587.31 16774.89
Operating Profit 46288.84 33787.37 26315.62 4161.45
Non Operating Income 2 - - -
Write Back Provision for Possible Losses 10452.8 - 1936.88 616.63
Profit from Regular Activities 56743.64 33787.37 28252.5 13230.07
Extra Ordinary Income 0 - - -
Profit Before Bonus and Taxes 56743.64 33787.37 28252.5 13230.07
Provision for Staff Bonus 5158.51 3420.79 2568.41 1202.73
Provision for Income Tax 15475.54 10262.36 7705.23 3608.2
Non Controlling Interest - - - -
Net Profit and Loss 36109.59 20104.22 17978.86 8419.14
Captila Fund to RAW 15.87 15.1 14.5 14.98
Non Performing Loan to Total Loan 0.61 0.94 0.55 0.32
Total loan loss Provision to Total NPL 250.5 165.64 237.18 400.09
Cost of Fund as per NRB Directive 7.24 8.06 6 5.15
Credit to Deposit Ratio as Per NRB Directive 76.66 72.31 72.64 73.68
Base Rate 0 - 6.69 -
Average Yield on Loans and Advance and Investment as Per NRB Directive 0 - - -
Net Interest Spread as Per NRB Directive 7.3 6.02 - 6.72
Other Operating Expenses 29765.43 20890.03 13736.81 12613.44
ROE 0 - - -
ROA 0 - - -
Liquidity Ratio 26.39 25.66 - -
EPS 16.39 14.49 - -
PE Ratio 18.73 20.29 - -
Net Worth Per Share 127.09 120.95 - -
Assets Per Share 957.71 966.79 - -
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)
1Jun 14, 201212688.68
2Jun 02, 2009126403.20
3Dec 06, 20181391,888.28
4Sep 07, 201199-
5Dec 06, 2018109109.00
6Dec 06, 2018111234.21