Tinau Development Bank Ltd.(TNBL)

Butwal, Rupandehi, Nepal; Ph: 071-545205

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

Earning Per Share
14.15
Net Asset Per Share
1129.52
Net Worth Per Share
129.05
Paid up Capital(Rs in '000')
56934.91
Reserve and Surplus(Rs in '000')
147239.34
Operating Profit(Rs in '000')
92647.85
Net Profit(Rs in '000')
71756
Price Earning Ratio
11.94
Liquidity Ratio
28.50
Fiscal YearBonus ShareCash Dividend
Sector
Development Bank
Operation Date
2039-02-02
Listed Status
Yes
Face Value
100
Listed Share
4608500
Market Capitalization

Tinau Development Bank has been incorporated as a 'B' class financial institution and has operated its financial activities form 15th Kartik, 2063 for undertaking limited regional banking activities. The professional management team along with dedicated employees is always looking forward to serve the customers with its designed products. The Bank made public offering on 3rd Bhadra, 2067 for 3,00,000 shares. Out of which, 6000 shares were allotted for its employees after complying with all the conditions of Nepal Stock Exchange Limited and Nepal Rastra Bank. The Bank is a public limited company incorporated under the Bank and Financial Institution Act 2006 and the Companies Act 2006. The Bank is licensed by NRB to undertake banking services. The Authorized Capital of the Bank is Rupees 300 Million and the Issued Paid-Up Capital is Rupees 128.80 Million. 70 Percent of the Paid-Up Capital is held by the promoter and remaining 30 percent is held by the general public. Bank has a 6 member Board of Directors (BOD) from promoter's group. Out of which four represents the promoters' group, two represents the general public. To the date, Bank has eight branches. The bank has established itself as an emerging player in financial sector with focus in customer service excellence maintaining excellent relationship with valued customers. Tinau Bank provides various services such as ATM Debit Card, SMS Banking, Remittance, Mobile Recharge Services,Locker Facility and Gold Loan.

Contact Information
Address
Butwal, Rupandehi, Nepal
Phone
071-545205
E-Mail
info@tinaubank.com
In Thousands4th Quarter3rd Quarter2nd Quarter1st Quarter
(except for per share items)2073/0742073/0742073/0742073/074
Share Capital 460849.92 396667.91 387560.21 273096.25
Reserve Surplus 144347.14 118543.85 92321.1 131569.75
Noncontrolling Interest - - - -
Debenture Bond 0 - - -
Loans Borrowing 0 - - -
Deposit Liability 3897804.85 3672434.75 3640972.64 3480317.45
Domestic Currency 3897804.85 3672434.75 3640972.64 3480317.45
Foreign Currency 0 - - -
Bills Payable - - - -
Proposed Dividend - - - -
Income Tax Liability 0 - - -
Other Liabilities 169349.44 144417.07 128186 162012.86
Non Controlling interest - - - -
Total Liabilities 4672351.36 4332063.58 4249039.95 4046996.31
Cash Balance 1071478 848929.36 898283.45 816912.04
Balance with NRB - - - -
Balance with Banks or Financial Institutions - - - -
Money at call and Short Notice 65131 64191.94 62265.52 53539.71
Investments 89901.56 87401.56 87401.56 87397.46
Loan Advances 3246169.64 3215757.97 3099469.68 2974997.44
Real Estate Loan 179117.37 186808.18 193040.38 1816054.53
Residential Real Estate Loan 0 - - -
Business Complex and Residential Apartment Construction Loan 23918.55 24595.83 19272.33 -
Income Generating Commerical Complex Loan 0 - - -
Other Real Estate Loan 155198.82 162212.35 173768.05 181054.53
Personal Home Loan of Ten Million or Less 456331.52 475989.55 498680.38 511525.61
Margin Type Loan 3470 1470 1470 1470
Term Loan 365997.91 373345.09 376266.68 350492.29
Overdraf or TR Loan or WC Loan 1206924.64 1156659.39 1119809.2 1061251.66
Other 1034328.2 1021485.76 910203.04 869203.36
Fixed Assets 110387.75 35479.8 34245.49 31974.31
Non Banking Assets 0 - - -
Other Assets 89283.41 80302.95 67374.25 82175.35
Total Assets 4672351.36 4332063.58 4249039.95 4046996.31
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 435519.95 305131.2 192314.88 85084.9
Interest Expenses 229710.35 154620.9 94171.28 47663.14
Net Interest Income 205809.6 150510.3 98143.6 37421.77
Fees Commission and Discount 4289.55 3008.36 1695.56 822.63
Other Operating Income 26503.82 20920.25 15580.77 7852.18
Foreign Exchange 0 - - -
Total Operating Income 236602.96 174438.91 115419.93 46096.57
Staff Expenses 35123.93 24568.18 17060.24 9841.48
Operating Profit Before Provision 161694.19 130240.54 87435.63 4361.93
Provision for Possible Losses 18675.19 11476.39 7887.32 31893.17
Operating Profit 143019.01 118764.15 79548.31 3378.74
Non Operating Income 1467.36 1530.36 1530.36 865.09
Write Back Provision for Possible Losses 7503.59 2350.5 359.16 762.84
Profit from Regular Activities 151989.96 122645.01 81437.83 30142.36
Extra Ordinary Income 0 - - -
Profit Before Bonus and Taxes 151989.96 122645.01 81437.83 30142.36
Provision for Staff Bonus 13817.27 11149.55 7403.44 2740.21
Provision for Income Tax 41451.81 33448.64 22210.32 8220.64
Non Controlling Interest - - - -
Net Profit and Loss 96720.88 78046.82 51824.07 19181.5
Captila Fund to RAW 16.29 - 13.5 12.07
Non Performing Loan to Total Loan 0.75 - 0.34 0.12
Total loan loss Provision to Total NPL 161.69 - 355.5 858.58
Cost of Fund as per NRB Directive 8.19 - 5.51 5.32
Credit to Deposit Ratio as Per NRB Directive 72.09 - 75.29 76.58
Base Rate 0 - - -
Average Yield on Loans and Advance and Investment as Per NRB Directive 5.57 - - 6.29
Net Interest Spread as Per NRB Directive 0 - 6.67 -
Other Operating Expenses 39784.83 19630.19 10924.06 28514.43
ROE 0 - - -
ROA 0 - - -
Liquidity Ratio 29.16 - - -
EPS 21 - - -
PE Ratio 15.68 - - -
Net Worth Per Share 131.32 - - -
Assets Per Share 1013.86 - - -
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)
1Apr 13, 2014176-
2Feb 06, 2011179-
3Jul 13, 20141761,025.11
4Dec 12, 20181381,874.70
5Jun 14, 201212688.68
6Dec 12, 2018150660.72