Saptakoshi Development Bank Ltd.(SKDBL)

Biratnagar-9, Morang, Nepal; Ph: 977-21-420676

RTS: NMB Capital Ltd.
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Amount
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Financial Highlights (3rd quarter, 2074/075)

Earning Per Share
4.89
Net Asset Per Share
353.08
Net Worth Per Share
109.14
Paid up Capital(Rs in '000')
508510
Reserve and Surplus(Rs in '000')
46468
Operating Profit(Rs in '000')
17674
Net Profit(Rs in '000')
24859
Price Earning Ratio
27.21
Liquidity Ratio
39.48
Fiscal YearBonus ShareCash Dividend
Sector
Development Bank
Operation Date
NA
Listed Status
Yes
Face Value
100
Listed Share
2110000
Market Capitalization

Saptakoshi Development Bank Limited is established under Bank and Financial Institution Act 2063, and licensed by Nepal Rastra Bank as a Regional “Kha” level financial institution (Development Bank) with Operating area of Morang, Ilam and Panchthar Districts. The Head Office is located in Tankisinawari – 2, Morang. The promoters of Saptakoshi Development Bank include successful businessman, traders, social workers and professionals having long experience in banking sectors. Saptakoshi Development Bank is equipped with modern technologies and it is providing fast and quality service to the valued customers. Due to the immense support, belief and help, Saptakoshi Development Bank is rapidly extending its services.

 

Contact Information
Address
Biratnagar-9, Morang, Nepal
Phone
977-21-420676
E-Mail
info@skdbl.com.np
In Thousands4th Quarter3rd Quarter2nd Quarter1st Quarter
(except for per share items)2073/0742073/0742073/0742073/074
Share Capital 211000 211000 100000 100000
Reserve Surplus 34086 27219 24718 6325
Noncontrolling Interest - - - -
Debenture Bond 0 - - -
Loans Borrowing 0 - - -
Deposit Liability 1121026 850779 843291 744218
Domestic Currency 1121026 850779 843291 744218
Foreign Currency 0 - - -
Bills Payable - - - -
Proposed Dividend - - - -
Income Tax Liability 0 - - -
Other Liabilities 36134 54256 26255 35775
Non Controlling interest - - - -
Total Liabilities 1402246 1143254 994264 886318
Cash Balance 81830 78646 62493 70628
Balance with NRB - - - -
Balance with Banks or Financial Institutions - - - -
Money at call and Short Notice 405317 230724 182082 134612
Investments 0 - - -
Loan Advances 857563 767214 712355 648637
Real Estate Loan 19717 - - -
Residential Real Estate Loan 0 - - -
Business Complex and Residential Apartment Construction Loan 0 - - -
Income Generating Commerical Complex Loan 0 - - -
Other Real Estate Loan 19717 - - -
Personal Home Loan of Ten Million or Less 38187 35736 31961 35206
Margin Type Loan 0 - - -
Term Loan 393388 359157 352210 342113
Overdraf or TR Loan or WC Loan 406271 372321 328184 271318
Other 0 - - -
Fixed Assets 18242 15572 15275 15419
Non Banking Assets 0 - - -
Other Assets 39294 51098 22059 17022
Total Assets 1402246 1143254 994264 886318
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 116094 82217 50662 23271
Interest Expenses 47463 32279 19735 9983
Net Interest Income 68631 49938 30927 13288
Fees Commission and Discount 679 503 374 104
Other Operating Income 10677 7322 5039 1901
Foreign Exchange 0 - - -
Total Operating Income 79986 57763 36340 15293
Staff Expenses 17237 13025 8913 4951
Operating Profit Before Provision 40478 29727 18484 4749
Provision for Possible Losses 24278 17780 12680 5593
Operating Profit 16199 11947 5804 6207
Non Operating Income 0 - - -
Write Back Provision for Possible Losses 20761 14222 9070 1706
Profit from Regular Activities 36961 26169 14874 1092
Extra Ordinary Income 0 - - -
Profit Before Bonus and Taxes 36961 26169 14874 1092
Provision for Staff Bonus 3360 2379 1352 99
Provision for Income Tax 10080 7137 4057 298
Non Controlling Interest - - - -
Net Profit and Loss 23521 16653 9465 695
Captila Fund to RAW 26.4 - 16.29 14.93
Non Performing Loan to Total Loan 0.54 - 1.38 1.95
Total loan loss Provision to Total NPL 234.62 - 111.58 93.65
Cost of Fund as per NRB Directive 6.96 - 5.35 5.26
Credit to Deposit Ratio as Per NRB Directive 62.77 - 73.59 76.26
Base Rate 12.17 - 12.85 13.48
Average Yield on Loans and Advance and Investment as Per NRB Directive 17.14 - 17.11 4.17
Net Interest Spread as Per NRB Directive 8.01 - - 9.72
Other Operating Expenses 22271 15011 8943 -614
ROE 0 - - -
ROA 0 - - -
Liquidity Ratio 39.69 - - -
EPS 11.15 - - -
PE Ratio 17.96 - - -
Net Worth Per Share 116.15 - - -
Assets Per Share 664.57 - - -
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, 2018118309.39
4Sep 07, 201199-
5Dec 06, 2018109109.00
6Oct 14, 2012105-