Sanima Bank Ltd.(SANIMA)

Naxal, Kathmandu, Nepal; Ph: 977-1-4428977

RTS: Sanima Capital Ltd.
As on

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Volume
Amount
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Financial Highlights (4th quarter, 2074/075)

Earning Per Share
21.17
Net Asset Per Share
1147.72
Net Worth Per Share
134.31
Paid up Capital(Rs in '000')
8001255
Reserve and Surplus(Rs in '000')
3288277
Operating Profit(Rs in '000')
2668571
Net Profit(Rs in '000')
1866659
Price Earning Ratio
15.31
Liquidity Ratio
24.72
Fiscal YearBonus ShareCash Dividend
Sector
Commercial Bank
Operation Date
NA
Listed Status
Yes
Face Value
100
Listed Share
68375003
Market Capitalization
Sanima, promoted by prominent and dynamic Non-Resident Nepalese (NRNs) Businessmen, commenced its operation in 2004 as a National Level Development Bank. Since February 2012, Sanima has been functioning as an "A" Class Commercial Bank with its registered office at 'Alakapuri', Naxal, Kathmandu. 
 
Sanima Bank is committed to provide one window financial solutions to the different customer segments and to achieve healthy growth in profitability consistent with the bank's risk appetite. The Bank has been dedicated to maintain the highest level of ethical standards, professional integrity, corporate governance and regulatory compliance. As a result, Sanima is perceived as a Strong and Reliable player in the banking industry.
Sanima has been committed to meet customer expectations in all areas of its business through continuous improvement for overall benefit of the economy. 
 
Sanima Bank offers a wide range of banking products and financial services to corporate and retail customers through 45 full-fledged branches from Mechi to Mahakali. 
Contact Information
Address
Naxal, Kathmandu, Nepal
Phone
977-1-4428977
E-Mail
sanima@sanimabank.com
In Thousands1st Quarter4th Quarter3rd Quarter2nd Quarter
(except for per share items)2074/0752073/0742073/0742073/074
Share Capital 8001255 6897634 5305872 5305872
Reserve Surplus 1404035 2160401 1740803 1416291
Noncontrolling Interest - - - -
Debenture Bond 370000 370000 370000 370000
Loans Borrowing 319046 611009 834971 2635494
Deposit Liability 64132106 58228495 53432243 51791460
Domestic Currency 63404726 57630552 52398461 51210605
Foreign Currency 727379 597943 1033782 580855
Bills Payable - - - -
Proposed Dividend - - - -
Income Tax Liability 0 0 - 19533
Other Liabilities 2298006 1751783 1085326 534615
Non Controlling interest - - - -
Total Liabilities 76524447 70019322 62769215 62073265
Cash Balance 6534779 6910608 4188786 4286994
Balance with NRB - - - -
Balance with Banks or Financial Institutions - - - -
Money at call and Short Notice 0 0 - -
Investments 9752872 9161815 8013033 9512257
Loan Advances 57288532 51265494 48596840 46921794
Real Estate Loan 5862273 5259325 4925231 4829223
Residential Real Estate Loan 487222 670504 645905 648512
Business Complex and Residential Apartment Construction Loan 365879 348856 380721 392293
Income Generating Commerical Complex Loan 70098 70779 71470 72451
Other Real Estate Loan 4939074 4169186 3827135 3715967
Personal Home Loan of Ten Million or Less 4109843 3482731 3388922 3381428
Margin Type Loan 298721 269831 264058 289842
Term Loan 9216391 8700877 7771090 7413019
Overdraf or TR Loan or WC Loan 18486013 14988439 14388428 14067457
Other 19315291 18564291 17859111 16940825
Fixed Assets 720237 713081 710308 716798
Non Banking Assets 0 0 - -
Other Assets 2228027 1968324 1260247 635420
Total Assets 76524447 70019322 62769214 62073263
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 1769073 5060299 3471787 2132648
Interest Expenses 1174494 2818181 1818823 1042362
Net Interest Income 594578 2242119 1652964 1090286
Fees Commission and Discount 38841 154931 103668 67802
Other Operating Income 125649 300493 212104 154470
Foreign Exchange 68193 194264 141341 94311
Total Operating Income 827262 2891806 2110077 1406869
Staff Expenses 122172 339155 254100 162628
Operating Profit Before Provision 594656 2131397 1551547 1049907
Provision for Possible Losses 96224 132043 115381 95911
Operating Profit 498432 1999354 1436166 953996
Non Operating Income 30423 45779 45339 19818
Write Back Provision for Possible Losses 1368 3391 2365 2217
Profit from Regular Activities 530223 2048524 1483870 976031
Extra Ordinary Income -308 -239 - -
Profit Before Bonus and Taxes 529915 2048285 1483870 976031
Provision for Staff Bonus 48174 186208 134897 88749
Provision for Income Tax 137284 561920 402055 264937
Non Controlling Interest - - - -
Net Profit and Loss 344457 1300158 946918 622345
Captila Fund to RAW 13.52 15.55 13.2 13.23
Non Performing Loan to Total Loan 0.14 0.01 0.04 0.01
Total loan loss Provision to Total NPL 831.91 11578.19 2938.08 11201.06
Cost of Fund as per NRB Directive 7.43 5.35 4.68 4.09
Credit to Deposit Ratio as Per NRB Directive 79.17 72.04 75.17 78.62
Base Rate 10.27 10.2 9.11 7.2
Average Yield on Loans and Advance and Investment as Per NRB Directive 11.8 9.6 4.61 8.6
Net Interest Spread as Per NRB Directive 3.93 3.97 8.99 4.12
Other Operating Expenses 110434 421255 304430 194334
ROE 14.22 14.35 - -
ROA 1.75 1.86 - -
Liquidity Ratio 24.07 26.08 - -
EPS 16.72 18.85 - -
PE Ratio 20.76 22.87 - -
Net Worth Per Share 117.55 131.32 - -
Assets Per Share 956.41 1015.12 - -
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, 201831518,246.11
2Dec 06, 201830520,819.66
3Dec 06, 201835623,003.92
4Dec 06, 201824014,115.36
5Dec 06, 201829223,464.99
6Dec 06, 201824014,326.79