Comparison of key parameters of commercial banks of Nepal for Q3 2070/71 vis-a-vis Q2 2070/71

1. 1
Quarter to Quarter Comparison of Key Parameters of Commercial Banks of Nepal
(Q3 2070-71 vis-à-vis Q2 2070-71)
Bank Name Revenue
%
growth
previous
Quarter
Net
Interest
Income
%
growth
previous
Quarter
Operating
Profit before
provision
%
growth
previous
Quarter
Citizens Bank International
Limited
1,800,746 -2.3% 775,608 -3.8% 701,922 -13.7%
Sanima Bank Ltd. 1,469,490 0.7% 579,121 10.8% 532,660 11.6%
Global IME Bank Limited 2,655,970 -0.6% 1,230,369 1.1% 997,119 0.3%
NMB Bank Ltd. 1,484,660 2.7% 581,749 8.3% 493,751 3.0%
Bank of Kathmandu 1,927,368 0.2% 887,670 3.4% 635,131 -3.0%
Nepal Investment Bank
Ltd.
4,310,312 -1.4% 2,167,731 1.4% 2,313,626 -2.2%
Kumari Bank Ltd 1,779,860 4.9% 587,127 21.2% 503,200 22.6%
Mega Bank Nepal Ltd. 1,199,569 8.0% 614,948 11.0% 462,972 32.7%
Siddhartha Bank Limited 2,166,286 -4.9% 880,392 -4.4% 798,065 -16.3%
Nabil Bank Ltd. 4,199,145 -2.6% 2,742,089 -2.0% 2,846,533 -5.0%
Machhachapuchhre Bank
Ltd
2,052,792 1.4% 778,022 3.1% 510,421 -7.2%
Nepal Bangladesh Bank
Ltd.
1,437,790 -2.6% 562,230 -1.8% 580,386 -9.0%
Century Bank 981,991 17.1% 282,701 24.6% 192,587 17.9%
Nepal Credit And Com.
Bank
1,534,284 -7.1% 537,191 -13.8% 384,739 -13.1%
Janata Bank Nepal Ltd. 1,081,788 -0.8% 385,630 -1.7% 174,578 -23.3%
Sunrise Bank Limited 1,803,951 -8.5% 788,947 -10.7% 578,739 -21.8%
Laxmi Bank Limited 1,797,680 -5.2% 541,960 -6.4% 480,852 -4.7%
Lumbini Bank Ltd. 916,181 2.2% 361,759 4.9% 272,028 8.0%
Grand Bank Nepal Ltd. 1,316,598 -13.8% 329,572 -38.3% 278,960 -58.7%
KIST Bank Limited 1,453,290 -7.9% 547,976 -6.2% 268,642 -14.9%
Everest Bank Ltd 3,733,187 1.6% 2,021,644 11.2% 1,768,033 22.0%
Standard Chartered Bank
Ltd.
1,900,096 6.7% 1,482,083 9.4% 1,549,121 10.2%
Nepal SBI Bank Limited 3,006,937 -3.6% 1,276,356 1.9% 1,059,986 -1.2%

2. 2
Bank Name Net Profit
%
growth
previous
Quarter
% growth
same
Quarter
last year
Provision
for
Possible
Losses
Paid Up
Capital
Reserve
and
Surplus
Citizens Bank International
Limited
304,056 -49.1% 33.0% 302,746 2,101,840 581,941
Sanima Bank Ltd. 320,823 17.0% 51.7% 36,613 2,217,600 527,254
Global IME Bank Limited 727,373 -25.6% 101.5% 283,478 4,106,858 1,938,936
NMB Bank Ltd. 312,468 -1.7% 17.4% 84,219 2,000,000 745,552
Bank of Kathmandu 354,999 -18.5% -17.0% 110,279 1,920,212 1,739,430
Nepal Investment Bank Ltd. 1,391,623 -5.7% 3.6% 393,243 4,146,708 4,268,298
Kumari Bank Ltd 192,389 753.0% 14.4% 240,754 1,603,800 1,258,353
Mega Bank Nepal Ltd. 257,992 42.0% 98.2% 62,896 2,330,000 380,096
Siddhartha Bank Limited 362,561 -14.0% 30.1% 245,814 1,813,554 1,049,024
Nabil Bank Ltd. 1,646,717 -3.7% 6.6% 563,665 3,047,168 5,307,300
Machhachapuchhre Bank Ltd 317,931 -16.6% 223.4% 114,586 2,478,795 639,284
Nepal Bangladesh Bank Ltd. 401,756 0.9% 29.2% 199,430 2,210,335 1,764,837
Century Bank 62,668 48.3% 161.5% 123,225 2,000,000 201,343
Nepal Credit And Com. Bank 172,092 -90.5% -28.0% 194,174 1,470,000 981,708
Janata Bank Nepal Ltd. 46,262 -53.6% -63.2% 103,809 2,060,000 108,472
Sunrise Bank Limited 272,736 -40.6% 24.9% 304,860 2,015,000 708,882
Laxmi Bank Limited 235,754 -37.4% -14.6% 134,227 1,694,081 1,265,100
Lumbini Bank Ltd. 145,405 74.8% 24.5% 167,500 1,729,728 591,977
Grand Bank Nepal Ltd. 89,476 -113.3% -44.7% 188,912 2,000,000 268,638
KIST Bank Limited (213,641) NA 662,994 2,000,000 (774,704)
Everest Bank Ltd 1,080,948 22.5% 4.5% 80,660 1,921,239 3,987,554
Standard Chartered Bank Ltd. 999,453 22.4% 17.8% 118,919 2,041,672 3,562,775
Nepal SBI Bank Limited 674,714 -8.7% 22.8% 73,882 2,650,206 1,823,465

3. 3
Bank Name Deposits
%
growth
previous
Quarter
Investments
%
growth
previous
Quarter
Loans and
Advances
%
growth
previous
Quarter
Citizens Bank International
Limited
25,044,217 3.5% 2,696,907 -18.3% 21,770,482 6.6%
Sanima Bank Ltd. 20,360,891 2.4% 3,383,204 6.9% 18,251,411 6.3%
Global IME Bank Limited 49,399,403 33.6% 5,636,379 -1.4% 41,284,747 37.1%
NMB Bank Ltd. 23,954,389 8.4% 2,995,764 -6.0% 19,603,616 12.6%
Bank of Kathmandu 29,679,750 1.2% 5,631,034 -8.4% 26,105,303 5.1%
Nepal Investment Bank Ltd. 71,321,546 -0.9% 12,435,924 6.1% 53,567,231 2.5%
Kumari Bank Ltd 27,424,123 0.1% 3,891,224 -10.1% 22,331,275 3.8%
Mega Bank Nepal Ltd. 17,050,084 13.0% 1,491,313 -15.3% 15,259,938 11.2%
Siddhartha Bank Limited 32,470,784 3.4% 4,103,222 -8.9% 25,318,985 2.4%
Nabil Bank Ltd. 73,842,291 7.2% 22,967,001 37.2% 53,512,562 4.1%
Machhachapuchhre Bank
Ltd
33,810,995 8.7% 2,195,203 -17.3% 27,535,064 9.0%
Nepal Bangladesh Bank Ltd. 23,524,437 -0.7% 3,774,448 -43.8% 17,605,929 10.2%
Century Bank 16,706,091 16.9% 1,058,829 -10.7% 14,375,293 16.5%
Nepal Credit And Com. Bank 22,067,445 0.2% 3,508,642 -5.0% 17,155,403 -2.6%
Janata Bank Nepal Ltd. 16,412,918 10.1% 1,073,412 -18.7% 14,345,079 10.8%
Sunrise Bank Limited 26,093,309 3.0% 3,940,058 32.3% 20,132,179 0.0%
Laxmi Bank Limited 29,561,714 5.8% 3,409,552 -11.5% 23,017,930 5.1%
Lumbini Bank Ltd. 13,401,190 6.8% 226,837 -0.2% 12,004,931 8.7%
Grand Bank Nepal Ltd. 19,007,355 -4.7% 2,277,895 -16.0% 15,439,198 0.3%
KIST Bank Limited 19,679,761 1.4% 2,515,196 46.5% 14,519,936 -8.5%
Everest Bank Ltd 62,764,383 4.7% 11,305,960 4.6% 50,643,091 5.6%
Standard Chartered Bank
Ltd.
42,950,160 7.3% 7,592,476 -43.2% 27,016,222 7.6%
Nepal SBI Bank Limited 51,436,871 -8.9% 17,391,166 -25.7% 33,592,705 3.9%

4. 4
Bank Name
Non
Performing
Loan (NPL)
to total Loan
%
growth
previous
Quarter
Capital
fund to
RWA
Interest
Spread
Cost
of
Funds
CD
Ratio
Citizens Bank International Limited 2.39% -2.8% 13.0% 8.0% 5.32% 77.63%
Sanima Bank Ltd. 0.05% -50.0% 13.2% 4.1% 6.57% 78.96%
Global IME Bank Limited 2.82% -12.4% 13.0% 5.8% 4.68% 76.53%
NMB Bank Ltd. 1.32% 0.0% 11.1% 4.4% 5.74% 75.43%
Bank of Kathmandu 1.52% 14.3% 12.3% 5.7% 5.01% 77.36%
Nepal Investment Bank Ltd. 1.63% 0.0% 11.9% 6.1% 4.19% 74.62%
Kumari Bank Ltd 3.69% -13.4% 11.7% 5.2% 6.17% 77.10%
Mega Bank Nepal Ltd. 1.99% 3.1% 15.3% 4.5% 4.93% 78.87%
Siddhartha Bank Limited 3.14% -10.8% 11.7% 4.2% 5.57% 75.28%
Nabil Bank Ltd. 2.96% -3.0% 12.6% 7.2% 3.45% 75.22%
Machhachapuchhre Bank Ltd 2.20% -17.6% 10.7% 5.7% 5.99% 74.75%
Nepal Bangladesh Bank Ltd. 1.80% 20.0% 11.5% 6.1% 5.56% 67.42%
Century Bank 0.67% -26.4% 15.3% 4.3% 6.29% 76.49%
Nepal Credit And Com. Bank 3.40% 38.2% 11.8% 3.2% 6.44% 71.94%
Janata Bank Nepal Ltd. 1.39% 26.4% 14.5% 2.3% 6.50% 76.71%
Sunrise Bank Limited 3.62% 24.4% 11.3% 4.3% 5.74% 75.51%
Laxmi Bank Limited 2.19% 2.8% 11.3% 3.8% 5.94% 76.17%
Lumbini Bank Ltd. 1.53% -29.8% 17.6% 5.0% 6.20% 76.94%
Grand Bank Nepal Ltd. 4.55% 6.1% 12.4% 3.6% 7.24% 73.53%
KIST Bank Limited 23.72% 35.2% 8.4% 6.3% 5.60% 70.07%
Everest Bank Ltd 0.62% 3.3% 11.9% 6.5% 3.59% 78.84%
Standard Chartered Bank Ltd. 0.52% -17.5% 14.1% 7.4% 1.78% 74.10%
Nepal SBI Bank Limited 0.35% 9.4% 13.3% 5.8% 4.09% 76.40%

5. 5
Bank Name
Base
Rate
EPS
(annualized)
Latest
closing
Price
P/E
ratio
Revenue/Loan
& Advances
Net
Interest/Loan
& Advances
Citizens Bank International
Limited
8.20% 19.29 435 22.55 8.27% 3.56%
Sanima Bank Ltd. 8.40% 19.29 478 24.78 8.05% 3.17%
Global IME Bank Limited 8.21% 23.66 625 26.41 6.43% 2.98%
NMB Bank Ltd. 8.33% 20.83 407 19.54 7.57% 2.97%
Bank of Kathmandu 8.17% 24.65 555 22.52 7.38% 3.40%
Nepal Investment Bank Ltd. 6.89% 44.75 841 18.79 8.05% 4.05%
Kumari Bank Ltd 8.50% 15.99 420 26.26 7.97% 2.63%
Mega Bank Nepal Ltd. 8.34% 14.76 406 27.50 7.86% 4.03%
Siddhartha Bank Limited 9.00% 26.66 600 22.51 8.56% 3.48%
Nabil Bank Ltd. 5.80% 72.05 2,013 27.94 7.85% 5.12%
Machhachapuchhre Bank Ltd 8.57% 17.10 482 28.18 7.46% 2.83%
Nepal Bangladesh Bank Ltd. 8.50% 24.23 622 25.67 8.17% 3.19%
Century Bank 9.88% 4.18 - - 6.83% 1.97%
Nepal Credit And Com. Bank 9.60% 15.61 421 26.97 8.94% 3.13%
Janata Bank Nepal Ltd. 8.79% 2.99 273 91.17 7.54% 2.69%
Sunrise Bank Limited 8.72% 18.05 395 21.89 8.96% 3.92%
Laxmi Bank Limited 9.49% 18.56 462 24.90 7.81% 2.35%
Lumbini Bank Ltd. 8.71% 11.21 280 24.98 7.63% 3.01%
Grand Bank Nepal Ltd. 9.83% 5.97 264 44.26 8.53% 2.13%
KIST Bank Limited 9.80% (14.24) 207 (14.53) 10.01% 3.77%
Everest Bank Ltd 6.39% 75.02 2,260 30.13 7.37% 3.99%
Standard Chartered Bank
Ltd.
5.24% 65.27 1,804 27.64 7.03% 5.49%
Nepal SBI Bank Limited 8.02% 33.95 1,015 29.90 8.95% 3.80%

6. 6
Bank Name
Operating
profit before
provision/L&A
and
Investments
Net
Profit/L&A
and
Investments
Net
Profit/Revenue
ROE
Annualized
Net
Profit/Net
Interest
Income
Citizens Bank International
Limited
2.87% 1.24% 16.89% 15.11% 39.20%
Sanima Bank Ltd. 2.46% 1.48% 21.83% 15.58% 55.40%
Global IME Bank Limited 2.13% 1.55% 27.39% 16.04% 59.12%
NMB Bank Ltd. 2.18% 1.38% 21.05% 15.17% 53.71%
Bank of Kathmandu 2.00% 1.12% 18.42% 12.93% 39.99%
Nepal Investment Bank Ltd. 3.51% 2.11% 32.29% 22.05% 64.20%
Kumari Bank Ltd 1.92% 0.73% 10.81% 8.96% 32.77%
Mega Bank Nepal Ltd. 2.76% 1.54% 21.51% 12.69% 41.95%
Siddhartha Bank Limited 2.71% 1.23% 16.74% 16.89% 41.18%
Nabil Bank Ltd. 3.72% 2.15% 39.22% 26.28% 60.05%
Machhachapuchhre Bank
Ltd
1.72% 1.07% 15.49% 13.60% 40.86%
Nepal Bangladesh Bank Ltd. 2.71% 1.88% 27.94% 13.48% 71.46%
Century Bank 1.25% 0.41% 6.38% 3.80% 22.17%
Nepal Credit And Com. Bank 1.86% 0.83% 11.22% 9.36% 32.04%
Janata Bank Nepal Ltd. 1.13% 0.30% 4.28% 2.84% 12.00%
Sunrise Bank Limited 2.40% 1.13% 15.12% 13.35% 34.57%
Laxmi Bank Limited 1.82% 0.89% 13.11% 10.62% 43.50%
Lumbini Bank Ltd. 2.22% 1.19% 15.87% 8.35% 40.19%
Grand Bank Nepal Ltd. 1.57% 0.51% 6.80% 5.26% 27.15%
KIST Bank Limited 1.58% -1.25% -14.70% -23.25% -38.99%
Everest Bank Ltd 2.85% 1.74% 28.96% 24.39% 53.47%
Standard Chartered Bank
Ltd.
4.48% 2.89% 52.60% 23.78% 67.44%
Nepal SBI Bank Limited 2.08% 1.32% 22.44% 20.11% 52.86%