Nepal SBI Bank Ltd.(SBI)

Kesharmahal, Kathmandu, Nepal; Ph: 977-1-4435613

RTS: Self
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Volume
Amount
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Financial Highlights (3rd quarter, 2074/075)

Earning Per Share
22.86
Net Asset Per Share
1310.74
Net Worth Per Share
151.69
Paid up Capital(Rs in '000')
8046905
Reserve and Surplus(Rs in '000')
4159500
Operating Profit(Rs in '000')
2203769
Net Profit(Rs in '000')
1379785
Price Earning Ratio
24.06
Liquidity Ratio
25.30
Fiscal YearBonus ShareCash Dividend
Sector
Commercial Bank
Operation Date
NA
Listed Status
Yes
Face Value
100
Listed Share
69717983
Market Capitalization

Nepal SBI Bank Ltd.(NSBL) is a subsidiary of State Bank of India (SBI) having 55 percent of ownership. The local partner viz. Employee Provident Fund holds 15% equity and General Public 30%. In terms of the Technical Services Agreement between SBI and the NSBL, the former provides management support to the bank through its expatriate officers including Managing Director who is also the CEO of the Bank. Central Management Committee (CENMAC), consisting of the Managing Director & CEO, Chief Operating Officer & Dy. CEO, Chief Financial Officer, Chief Risk Officer and Chief Credit Officer, exercises overall control functions with the help of 3 Regional Offices, and oversee the overall operations of the Bank.

NSBL was established in July 1993 and has emerged as one of the leading banks of Nepal, with 679 skilled and dedicated Nepalese employees working in 62 branches, 7 extension counters, 3 Regional Offices and Corporate Office. With presence in 32 districts in Nepal, the Bank is providing value added services to its customers through its wide network of 85 ATMs, internet banking, mobile wallet, SMS banking, IRCTC Ticket Online Booking facility, etc. NSBL is one of the fastest growing Commercial Banks of Nepal with more than 6.22 lakhs satisfied deposit customers and over 4.80 lakhs ATM/Debit cardholders. The Bank enjoys leading position in the country in terms of penetration of technology products, viz. Mobile Banking, Internet Banking and Card Services. The Bank is moving ahead in the Nepalese Banking Industry with significant growth in Net Profit with very nominal NPA. As of 31st Ashad, 2073, the Bank has deposits of Rs. 65.21 billion and advances (net) of Rs. 47.54 billion, besides investment portfolio of Rs.19.29billion. 

State Bank of India (SBI), with a 210 year history, is the largest commercial Bank in India in terms of assets, deposits, profits, branches, customers and employees. The Government of India is the majority stakeholder and has controlling stake in SBI, a “Fortune 500” entity.
 
The SBI group consists of SBI and five associate banks. The group has an extensive network, with over 22,000 branches in India and another 198 foreign offices in 37 countries across the world.
 
SBI's non- banking subsidiaries / Joint ventures are market leaders in their respective areas and provide wide ranging services, which include life insurance, merchant banking, mutual funds, credit cards, factoring services, security trading and primary dealership, making the SBI Group a truly large financial supermarket and India's financial icon. SBI has arrangements with over 1,600 various international / local banks to exchange financial messages through SWIFT in all business centers of the world to facilitate trade related banking business, reinforced by dedicated and highly skilled teams of professionals.

Contact Information
Address
Kesharmahal, Kathmandu, Nepal
Phone
977-1-4435613
E-Mail
info@nsbl.com.np
RTS
Self
In Thousands1st Quarter4th Quarter3rd Quarter2nd Quarter
(except for per share items)2074/0752073/0742073/0742073/074
Share Capital 6971798 6924893 4979856 3883736
Reserve Surplus 4350273 3509485 3110810 3852966
Noncontrolling Interest - - - -
Debenture Bond 1000000 1000000 1000000 1000000
Loans Borrowing 5668000 5309655 4843350 8584160
Deposit Liability 86620009 81664548 85467303 77504132
Domestic Currency 76557843 72200637 76534585 67516624
Foreign Currency 10062166 9463911 8932718 9987508
Bills Payable - - - -
Proposed Dividend - - - -
Income Tax Liability 0 0 - -
Other Liabilities 1422720 1420661 1570699 2053233
Non Controlling interest - - - -
Total Liabilities 106032800 99829242 100972018 96878227
Cash Balance 10863613 13229681 16340071 7120116
Balance with NRB - - - -
Balance with Banks or Financial Institutions - - - -
Money at call and Short Notice 500000 0 600000 1500000
Investments 24756554 21043220 19878675 25253564
Loan Advances 67057554 63025023 62412475 59772328
Real Estate Loan 4892476 4862429 4970034 4503517
Residential Real Estate Loan 400894 722412 698708 638760
Business Complex and Residential Apartment Construction Loan 633253 419992 435264 426864
Income Generating Commerical Complex Loan 0 0 - -
Other Real Estate Loan 3858329 3720025 3836062 3437893
Personal Home Loan of Ten Million or Less 2207518 1799446 1751575 1793110
Margin Type Loan 0 0 - -
Term Loan 4493909 3807416 3557590 3203024
Overdraf or TR Loan or WC Loan 35755496 32592879 33235590 33698435
Other 19707837 19962853 18200453 16574242
Fixed Assets 771006 750826 697233 680582
Non Banking Assets 0 0 - -
Other Assets 2084391 1780492 1740797 2551637
Total Assets 106032800 99829242 100972018 96878227
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 Quarter3rd Quarter2nd Quarter1st Quarter
(except for per share items)2074/0752073/0742073/0742073/074
Interest Income 2078296 4034770 2449199 1153764
Interest Expenses 1176244 1839066 996409 460867
Net Interest Income 902052 2195704 1452790 692897
Fees Commission and Discount 108759 468149 228705 121906
Other Operating Income 116030 204729 209643 89091
Foreign Exchange 55773 159691 92585 40272
Total Operating Income 1182614 3028273 1983723 944166
Staff Expenses 250275 579279 338609 190657
Operating Profit Before Provision 730716 1931602 1324139 146662
Provision for Possible Losses 69254 181049 159384 68332
Operating Profit 661462 1750553 1164755 538515
Non Operating Income 770 4886 785 38
Write Back Provision for Possible Losses 6723 23609 26835 18012
Profit from Regular Activities 668955 1779048 1192375 556565
Extra Ordinary Income 36000 - - -
Profit Before Bonus and Taxes 704955 1779048 1192375 556565
Provision for Staff Bonus 64087 161732 108389 50597
Provision for Income Tax 202003 512916 325190 151790
Non Controlling Interest - - - -
Net Profit and Loss 438865 1104400 758796 354178
Captila Fund to RAW 15.61 12.88 12.06 12.89
Non Performing Loan to Total Loan 0.13 0.12 0.12 0.11
Total loan loss Provision to Total NPL 889 1003 988 928
Cost of Fund as per NRB Directive 5.91 2.96 2.53 2.46
Credit to Deposit Ratio as Per NRB Directive 76.37 72.09 79.32 79.51
Base Rate 9.32 8.21 6.48 6.08
Average Yield on Loans and Advance and Investment as Per NRB Directive 10.16 7.65 7.22 7.26
Net Interest Spread as Per NRB Directive 4.81 4.33 4.74 -
Other Operating Expenses 201623 517392 320975 -
ROE 16.46 - - -
ROA 1.72 - - -
Liquidity Ratio 22.84 - - -
EPS 25.18 - - -
PE Ratio 32.96 - - -
Net Worth Per Share 162.4 - - -
Assets Per Share 1520.88 - - -
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)
1Jun 28, 2012468-
2Dec 24, 20154018,023.34
3Dec 06, 201835623,003.92
4Dec 06, 201835723,892.57
5Dec 06, 201832723,176.71