Fundamental Analysis of Commercial Banks of Nepal for Fiscal Year 2071_72 Quarter 2 by Kriti Capital & Investments Ltd.

1. Bank
Revenue (NPR'000)
Net Interest Income (NPR'000)
Operating Profit before provision (NPR'000)
Net Profit (NPR'000)
Provision for Possible Losses (NPR'000)
Write Back of Provision for Possible Loss (NPR'000)
Citizens Bank International Limited
649,026
300,625
262,602
110,343
96,719
-
Sanima Bank Ltd.
580,718
244,992
231,171
130,925
27,966
599
Global IME Bank Limited
1,158,058
561,966
467,565
223,487
135,333
15,845
NMB Bank Ltd.
533,591
258,228
218,211
146,277
18,044
17,495
Bank of Kathmandu
679,904
348,421
271,746
165,867
18,004
4,522
Nepal Investment Bank Ltd.
1,373,686
705,518
733,728
488,412
197,912
235,793
Kumari Bank Ltd
545,070
179,779
133,462
32,836
91,022
8,137
Mega Bank Nepal Ltd.
419,635
197,021
151,787
80,945
24,810
-
Siddhartha Bank Limited
726,653
295,642
259,562
151,989
46,763
-
Nabil Bank Ltd.
1,379,595
930,351
943,627
510,129
149,285
1,447
Machhachapuchhre Bank Ltd
765,258
343,302
250,876
190,355
54,066
18,691
Nepal Bangladesh Bank Ltd.
464,140
156,900
124,447
46,636
73,913
22,687
Century Commercial Bank Ltd.
415,474
136,525
98,480
35,569
45,966
3,475
Nepal Credit And Com. Bank
472,717
183,005
123,950
102,789
32,068
37,937
Janata Bank Nepal Ltd.
392,911
138,518
80,577
21,362
101,653
53,845
Sunrise Bank Limited
541,987
235,526
163,331
95,025
22,573
9,415
Laxmi Bank Limited
571,467
192,449
200,267
52,330
132,420
-
Lumbini Bank Ltd.
378,670
150,921
121,433
80,617
60,013
30,761
Grand Bank Nepal Ltd.
287,670
(33)
(43,906)
(280,630)
292,571
55,847
Everest Bank Ltd
1,205,662
712,176
645,960
391,137
34,042
-
Standard Chartered Bank Ltd.
661,344
498,051
525,454
349,772
38,855
57,899
Nepal SBI Bank Limited
955,839
468,643
421,211
256,210
32,939
13,269
Prime Commercial Bank Limited
757,325
330,609
306,922
161,637
100,702
47,780
Agricultural Development Bank Ltd
1,837,448
1,081,304
452,689
215,063
316,491
154,151
NIC Asia Bank Ltd.
972,242
407,788
319,771
154,263
98,973
19,757
Himalayan Bank Ltd.
1,087,063
590,377
475,228
268,630
60,215
-
Civil Bank Ltd
479,569
159,684
97,997
(9,600)
107,597
-
Nepal Bank Limited
1,081,114
596,489
132,166
269,199
91,802
320,941

2. Bank
Paid Up Capital (NPR'000)
Reserve and Surplus (NPR'000)
Deposits (NPR'000)
Loans and Advances (NPR'000)
Non Performing Loan (NPL) to total Loan
Capital fund to RWA
Interest Spread
Cost of Funds
Net worth Per Share
EPS
Citizens Bank International Limited
2,379,540
488,078
29,609,038
24,972,046
2.35%
12.49%
4.82%
4.58%
121
19
Sanima Bank Ltd.
2,550,240
414,082
26,590,007
22,833,968
0.05%
11.72%
4.57%
5.20%
116
21
Global IME Bank Limited
5,011,600
1,580,558
53,894,763
45,534,760
2.88%
12.89%
4.75%
4.13%
132
18
NMB Bank Ltd.
2,000,000
1,231,563
25,554,185
21,116,511
0.53%
10.91%
4.71%
4.34%
162
29
Bank of Kathmandu
2,120,212
1,594,214
34,375,042
28,909,583
1.16%
11.83%
4.54%
4.10%
175
31
Nepal Investment Bank Ltd.
4,768,714
3,652,318
74,938,731
59,818,119
1.55%
12.00%
4.52%
3.69%
177
41
Kumari Bank Ltd
2,431,682
567,761
29,640,596
23,846,139
4.38%
11.29%
3.73%
5.03%
123
5
Mega Bank Nepal Ltd.
2,330,000
513,000
18,975,389
16,741,804
2.15%
13.90%
3.48%
4.46%
122
14
Siddhartha Bank Limited
2,031,180
1,118,871
36,462,982
29,019,105
2.74%
11.03%
4.77%
4.68%
155
30
Nabil Bank Ltd.
3,656,602
5,879,591
80,530,620
61,797,857
2.10%
11.17%
5.22%
2.76%
261
56
Machhachapuchhre Bank Ltd
2,776,250
649,750
37,371,241
30,448,980
2.04%
11.01%
4.57%
4.98%
123
27
Nepal Bangladesh Bank Ltd.
2,431,369
1,725,506
26,963,184
21,069,593
1.94%
10.99%
3.92%
4.67%
171
8
Century Commercial Bank Ltd.
2,000,000
273,625
22,119,492
18,984,260
0.46%
11.34%
4.38%
5.24%
114
7
Nepal Credit And Com. Bank
2,028,600
1,289,069
22,375,761
18,089,150
2.70%
11.94%
3.04%
5.52%
188
20
Janata Bank Nepal Ltd.
2,060,000
168,590
19,836,335
17,251,566
1.08%
12.09%
2.06%
5.24%
108
4
Sunrise Bank Limited
2,349,428
617,535
27,724,468
21,522,355
4.25%
11.75%
4.76%
4.82%
133
16
Laxmi Bank Limited
2,337,966
888,360
31,483,017
26,446,436
1.69%
10.86%
4.29%
4.83%
138
9
Lumbini Bank Ltd.
2,000,833
627,231
17,054,331
14,783,370
1.04%
15.94%
4.95%
5.38%
131
16
Grand Bank Nepal Ltd.
2,000,000
(1,704,243)
15,548,035
14,060,626
25.49%
2.55%
5.64%
7.06%
15
(56)
Everest Bank Ltd
2,137,388
3,710,897
66,164,773
53,553,179
0.63%
11.08%
5.67%
3.08%
274
73
Standard Chartered Bank Ltd.
2,245,839
3,192,023
52,161,123
29,553,614
0.25%
12.11%
5.97%
2.10%
242
62
Nepal SBI Bank Limited
2,650,206
2,327,943
55,066,641
37,211,127
0.23%
13.18%
4.39%
3.42%
188
39
Prime Commercial Bank Limited
2,638,699
1,166,271
34,332,436
28,317,816
2.62%
12.24%
4.72%
4.81%
144
25
Agricultural Development Bank Ltd
3,200,000
6,310,638
65,477,138
58,122,176
5.62%
15.38%
7.28%
4.99%
297
27
NIC Asia Bank Ltd.
2,658,285
2,369,010
46,884,946
37,464,735
2.62%
13.88%
3.09%
5.03%
218
23
Himalayan Bank Ltd.
2,898,000
3,644,846
68,912,484
50,548,652
2.18%
11.03%
4.32%
3.83%
226
37
Civil Bank Ltd
2,698,925
519,171
23,985,472
20,509,762
2.22%
13.32%
4.49%
5.99%
119
(1)
Nepal Bank Limited
6,465,002
(2,329,754)
70,824,706
42,137,910
4.78%
5.28%
3.36%
3.49%
41
17

3. Bank
Latest Closing Price
P/E ratio
Revenue/Loan & Advances
Net Profit/L&A
Net Profit/Revenue
ROE Annualized
WriteBack/Net Profit
Citizens Bank International Limited
405
21.83
2.60%
0.44%
17.00%
15.39%
0.00%
Sanima Bank Ltd.
494
24.06
2.54%
0.57%
22.55%
17.67%
0.46%
Global IME Bank Limited
494
27.69
2.54%
0.49%
19.30%
13.56%
7.09%
NMB Bank Ltd.
507
17.33
2.53%
0.69%
27.41%
18.11%
11.96%
Bank of Kathmandu
564
18.02
2.35%
0.57%
24.40%
17.86%
2.73%
Nepal Investment Bank Ltd.
706
17.23
2.30%
0.82%
35.55%
23.20%
48.28%
Kumari Bank Ltd
372
68.87
2.29%
0.14%
6.02%
4.38%
24.78%
Mega Bank Nepal Ltd.
344
24.76
2.51%
0.48%
19.29%
11.39%
0.00%
Siddhartha Bank Limited
575
19.21
2.50%
0.52%
20.92%
19.30%
0.00%
Nabil Bank Ltd.
1,715
30.73
2.23%
0.83%
36.98%
21.40%
0.28%
Machhachapuchhre Bank Ltd
492
17.94
2.51%
0.63%
24.87%
22.22%
9.82%
Nepal Bangladesh Bank Ltd.
477
62.17
2.20%
0.22%
10.05%
4.49%
48.65%
Century Commercial Bank Ltd.
258
36.27
2.19%
0.19%
8.56%
6.26%
9.77%
Nepal Credit And Com. Bank
530
26.15
2.61%
0.57%
21.74%
12.39%
36.91%
Janata Bank Nepal Ltd.
245
59.07
2.28%
0.12%
5.44%
3.83%
252.06%
Sunrise Bank Limited
352
21.76
2.52%
0.44%
17.53%
12.81%
9.91%
Laxmi Bank Limited
452
50.49
2.16%
0.20%
9.16%
6.49%
0.00%
Lumbini Bank Ltd.
314
19.48
2.56%
0.55%
21.29%
12.27%
38.16%
Grand Bank Nepal Ltd.
166
(2.96)
2.05%
-2.00%
-97.55%
-379.54%
-19.90%
Everest Bank Ltd
1,690
23.09
2.25%
0.73%
32.44%
26.75%
0.00%
Standard Chartered Bank Ltd.
1,716
27.55
2.24%
1.18%
52.89%
25.73%
16.55%
Nepal SBI Bank Limited
954
24.67
2.57%
0.69%
26.80%
20.59%
5.18%
Prime Commercial Bank Limited
484
19.75
2.67%
0.57%
21.34%
16.99%
29.56%
Agricultural Development Bank Ltd
465
17.30
3.16%
0.37%
11.70%
9.05%
71.68%
NIC Asia Bank Ltd.
726
31.28
2.60%
0.41%
15.87%
12.27%
12.81%
Himalayan Bank Ltd.
821
22.14
2.15%
0.53%
24.71%
16.42%
0.00%
Civil Bank Ltd
241
(169.39)
2.34%
-0.05%
-2.00%
-1.19%
0.00%
Nepal Bank Limited
353
21.19
2.57%
0.64%
24.90%
26.04%
119.22%