Prime Commercial Bank Ltd.(PCBL)

Kamalpokhari, Kathmandu, Nepal; Ph: 977-1-4423432/4423433/4423436

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

Earning Per Share
23.55
Net Asset Per Share
1192.14
Net Worth Per Share
140.99
Paid up Capital(Rs in '000')
8033292.87
Reserve and Surplus(Rs in '000')
3292953.55
Operating Profit(Rs in '000')
2695002.3
Net Profit(Rs in '000')
1892038.67
Price Earning Ratio
12.19
Liquidity Ratio
25.61
Fiscal YearBonus ShareCash Dividend
Sector
Commercial Bank
Operation Date
NA
Listed Status
Yes
Face Value
100
Listed Share
57924152
Market Capitalization
Prime Commercial Bank Ltd. was incorporated in September 2007 as the 21st commercial bank in Nepal. We are a Category ‘A’ Financial Institution registered under the “Banks and Financial Institutions Act” of Nepal. It has been established by prominent business personnel and professionals from diversified areas with a prime objective of providing 'Banking Services to Everyone' in the country where still large number of population are deprived of Banking Services.

 

The bank has established itself as an emerging player in financial sector with focus in customer service excellence maintaining excellent relationship with valued customers. It is counted among the top 10 commercial banks in Nepal by independent raters and publications in the country.
Contact Information
Address
Kamalpokhari, Kathmandu, Nepal
Phone
977-1-4423432/4423433/4423436
E-Mail
info@pcbl.com.np
In Thousands1st Quarter4th Quarter3rd Quarter2nd Quarter
(except for per share items)2074/0752073/0742073/0742073/074
Share Capital 6325432.18 6325432.18 5792560.01 4940349.69
Reserve Surplus 3459058.34 3126014.6 1910438.78 2437366.83
Noncontrolling Interest - - - -
Debenture Bond 0 0 - -
Loans Borrowing 1946440.76 0 - -
Deposit Liability 68597356.08 65865251.32 56107652.69 55006021.38
Domestic Currency 67124206.3 65114038.48 54910571.98 54078359.23
Foreign Currency 1473149.78 751212.84 1197080.71 927662.15
Bills Payable - - - -
Proposed Dividend - - - -
Income Tax Liability 146464.5 682543.78 378411.75 239878.97
Other Liabilities 788057.79 2064405.41 1825260.86 354091.25
Non Controlling interest - - - -
Total Liabilities 81262809.65 78063647.29 66014324.09 62977708.12
Cash Balance 11474090.55 12541384.82 9922166.62 8664042.68
Balance with NRB - - - -
Balance with Banks or Financial Institutions - - - -
Money at call and Short Notice 248224.48 48224.48 48224.48 448224.48
Investments 9163990.12 6145506.52 6077044.43 6811236.55
Loan Advances 59031390.73 57710189.8 48611482.7 46052452.56
Real Estate Loan 6758617.77 6844644.52 5721133.45 5980052.73
Residential Real Estate Loan 677418.25 954458.99 716844.81 672039.04
Business Complex and Residential Apartment Construction Loan 798812.56 766445.2 747369.66 758856.65
Income Generating Commerical Complex Loan 542383.29 551116.35 560639.22 573913.92
Other Real Estate Loan 4740003.67 4572623.98 3696279.76 3975243.12
Personal Home Loan of Ten Million or Less 3625327.61 3330382.13 3026886.28 2913707.45
Margin Type Loan 2088318.34 2009679.08 1896801.96 1872157
Term Loan 8336161.91 8328667.13 7045274.11 6344708.27
Overdraf or TR Loan or WC Loan 17673445.06 16166798.83 14485631.61 13516314.21
Other 20549520.04 21030018.11 16435755.29 15425512.9
Fixed Assets 573896.79 576102.2 498123.25 493148.27
Non Banking Assets 0 0 - -
Other Assets 771216.98 1042239.47 857282.61 508603.58
Total Assets 81262809.65 78063647.29 66014324.09 62977708.12
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 1862369.91 5208608.68 3418037.69 2049552.26
Interest Expenses 1410775.21 3304226.37 2102491.46 1241394.41
Net Interest Income 451594.7 1904382.31 1315546.23 808157.85
Fees Commission and Discount 130958.97 362005.41 216196.48 115682.13
Other Operating Income 136131.25 419026.73 239039.8 174843.06
Foreign Exchange 41332.36 122512.09 83720.4 53562.95
Total Operating Income 760017.28 2807926.54 1854502.91 1152245.99
Staff Expenses 99349.01 281130.48 185959.56 124417.24
Operating Profit Before Provision 589859 2232753.09 1498369.46 918906.45
Provision for Possible Losses 156011.44 220289.51 244676.85 184737.15
Operating Profit 433847.56 2012463.58 1253692.61 734169.3
Non Operating Income 0 127966.85 - -
Write Back Provision for Possible Losses 103188.96 185677.85 133817.14 145386.91
Profit from Regular Activities 537036.52 2326107.76 1387509.75 879556.21
Extra Ordinary Income 0 -143.09 - -
Profit Before Bonus and Taxes 537036.52 2325964.67 1387509.75 879556.21
Provision for Staff Bonus 48821.5 211451.33 126137.25 79959.66
Provision for Income Tax 146464.51 631654.38 378411.75 239878.97
Non Controlling Interest - - - -
Net Profit and Loss 341750.51 1482858.96 882960.75 559717.58
Captila Fund to RAW 12.9 13.36 12.82 13.57
Non Performing Loan to Total Loan 1.37 0.78 1.37 1.36
Total loan loss Provision to Total NPL 128.32 206.99 137.57 135.07
Cost of Fund as per NRB Directive 8.22 8.15 4.98 4.48
Credit to Deposit Ratio as Per NRB Directive 75.7 76.8 72.67 76.3
Base Rate 10.95 10.64 7.96 7.3
Average Yield on Loans and Advance and Investment as Per NRB Directive 11.75 11.6 7.88 7.27
Net Interest Spread as Per NRB Directive 3.53 3.45 2.9 2.79
Other Operating Expenses 70809.27 294042.97 170173.89 108922.3
ROE 14.21 19.96 - -
ROA 1.72 2.24 - -
Liquidity Ratio 27.9 25.56 - -
EPS 21.61 23.44 - -
PE Ratio 20.55 17.96 - -
Net Worth Per Share 154.68 149.42 - -
Assets Per Share 1284.7 1234.12 - -
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
DateFiscal YearDurationTitle
DateQuantityRateAmount
DateCloseVolumeAmount
SNTraded DateLast PriceMkt Cap (Mil)
1Dec 06, 201835623,003.92
2Dec 06, 201835723,892.57
3Dec 06, 201832723,176.71
4Dec 06, 201830520,819.66
5Dec 06, 201829920,444.13
6Dec 06, 201829223,464.99