to Comparison of Key Parameters of Commercial Banks of Nepal (Q3 2070-71 vis-à-vis Q2 2070-71) Revenue Interest Income Operating Profit before provision 1,800,746-2.3 775,608-3.8 701,922-13.7 Sanima Bank 1,469,490 0.7 579,121 10.8 532,660 11.6 Global IME Bank 2,655,970-0.6 1,230,369 1.1 997,119 0.3 NMB Bank 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 4,310,312-1.4 2,167,731 1.4 2,313,626-2.2 Kumari Bank 1,779,860 4.9 587,127 21.2 503,200 22.6 Mega Bank Nepal 1,199,569 8.0 614,948 11.0 462,972 32.7 Siddhartha Bank 2,166,286-4.9 880,392-4.4 798,065-16.3 Nabil Bank 4,199,145-2.6 2,742,089-2.0 2,846,533-5.0 Machhachapuchhre Bank 2,052,792 1.4 778,022 3.1 510,421-7.2 Nepal Bangladesh Bank 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 1,081,788-0.8 385,630-1.7 174,578-23.3 Sunrise Bank 1,803,951-8.5 788,947-10.7 578,739-21.8 Laxmi Bank 1,797,680-5.2 541,960-6.4 480,852-4.7 Lumbini Bank 916,181 2.2 361,759 4.9 272,028 8.0 Grand Bank Nepal 1,316,598-13.8 329,572-38.3 278,960-58.7 KIST Bank 1,453,290-7.9 547,976-6.2 268,642-14.9 Everest Bank 3,733,187 1.6 2,021,644 11.2 1,768,033 22.0 1,900,096 6.7 1,482,083 9.4 1,549,121 10.2 Nepal SBI Bank 3,006,937-3.6 1,276,356 1.9 1,059,986-1.2 1
Profit same last year Provision for Possible Losses Paid Up Capital Reserve and Surplus 304,056-49.1 33.0 302,746 2,101,840 581,941 Sanima Bank 320,823 17.0 51.7 36,613 2,217,600 527,254 Global IME Bank 727,373-25.6 101.5 283,478 4,106,858 1,938,936 NMB Bank 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 1,391,623-5.7 3.6 393,243 4,146,708 4,268,298 Kumari Bank 192,389 753.0 14.4 240,754 1,603,800 1,258,353 Mega Bank Nepal 257,992 42.0 98.2 62,896 2,330,000 380,096 Siddhartha Bank 362,561-14.0 30.1 245,814 1,813,554 1,049,024 Nabil Bank 1,646,717-3.7 6.6 563,665 3,047,168 5,307,300 Machhachapuchhre Bank 317,931-16.6 223.4 114,586 2,478,795 639,284 Nepal Bangladesh Bank 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 46,262-53.6-63.2 103,809 2,060,000 108,472 Sunrise Bank 272,736-40.6 24.9 304,860 2,015,000 708,882 Laxmi Bank 235,754-37.4-14.6 134,227 1,694,081 1,265,100 Lumbini Bank 145,405 74.8 24.5 167,500 1,729,728 591,977 Grand Bank Nepal 89,476-113.3-44.7 188,912 2,000,000 268,638 KIST Bank (213,641) NA 662,994 2,000,000 (774,704) Everest Bank 1,080,948 22.5 4.5 80,660 1,921,239 3,987,554 999,453 22.4 17.8 118,919 2,041,672 3,562,775 Nepal SBI Bank 674,714-8.7 22.8 73,882 2,650,206 1,823,465 2
Deposits Investments Loans and Advances 25,044,217 3.5 2,696,907-18.3 21,770,482 6.6 Sanima Bank 20,360,891 2.4 3,383,204 6.9 18,251,411 6.3 Global IME Bank 49,399,403 33.6 5,636,379-1.4 41,284,747 37.1 NMB Bank 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 71,321,546-0.9 12,435,924 6.1 53,567,231 2.5 Kumari Bank 27,424,123 0.1 3,891,224-10.1 22,331,275 3.8 Mega Bank Nepal 17,050,084 13.0 1,491,313-15.3 15,259,938 11.2 Siddhartha Bank 32,470,784 3.4 4,103,222-8.9 25,318,985 2.4 Nabil Bank 73,842,291 7.2 22,967,001 37.2 53,512,562 4.1 Machhachapuchhre Bank 33,810,995 8.7 2,195,203-17.3 27,535,064 9.0 Nepal Bangladesh Bank 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 16,412,918 10.1 1,073,412-18.7 14,345,079 10.8 Sunrise Bank 26,093,309 3.0 3,940,058 32.3 20,132,179 0.0 Laxmi Bank 29,561,714 5.8 3,409,552-11.5 23,017,930 5.1 Lumbini Bank 13,401,190 6.8 226,837-0.2 12,004,931 8.7 Grand Bank Nepal 19,007,355-4.7 2,277,895-16.0 15,439,198 0.3 KIST Bank 19,679,761 1.4 2,515,196 46.5 14,519,936-8.5 Everest Bank 62,764,383 4.7 11,305,960 4.6 50,643,091 5.6 42,950,160 7.3 7,592,476-43.2 27,016,222 7.6 Nepal SBI Bank 51,436,871-8.9 17,391,166-25.7 33,592,705 3.9 3
Non Performing Loan (NPL) to total Loan Capital fund to RWA Interest Spread Cost of Funds CD Ratio 2.39-2.8 13.0 8.0 5.32 77.63 Sanima Bank 0.05-50.0 13.2 4.1 6.57 78.96 Global IME Bank 2.82-12.4 13.0 5.8 4.68 76.53 NMB Bank 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 1.63 0.0 11.9 6.1 4.19 74.62 Kumari Bank 3.69-13.4 11.7 5.2 6.17 77.10 Mega Bank Nepal 1.99 3.1 15.3 4.5 4.93 78.87 Siddhartha Bank 3.14-10.8 11.7 4.2 5.57 75.28 Nabil Bank 2.96-3.0 12.6 7.2 3.45 75.22 Machhachapuchhre Bank 2.20-17.6 10.7 5.7 5.99 74.75 Nepal Bangladesh Bank 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 1.39 26.4 14.5 2.3 6.50 76.71 Sunrise Bank 3.62 24.4 11.3 4.3 5.74 75.51 Laxmi Bank 2.19 2.8 11.3 3.8 5.94 76.17 Lumbini Bank 1.53-29.8 17.6 5.0 6.20 76.94 Grand Bank Nepal 4.55 6.1 12.4 3.6 7.24 73.53 KIST Bank 23.72 35.2 8.4 6.3 5.60 70.07 Everest Bank 0.62 3.3 11.9 6.5 3.59 78.84 0.52-17.5 14.1 7.4 1.78 74.10 Nepal SBI Bank 0.35 9.4 13.3 5.8 4.09 76.40 4
Base Rate EPS (annualized) Latest closing Price P/E ratio Revenue/Loan & Advances Interest/Loan & Advances 8.20 19.29 435 22.55 8.27 3.56 Sanima Bank 8.40 19.29 478 24.78 8.05 3.17 Global IME Bank 8.21 23.66 625 26.41 6.43 2.98 NMB Bank 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 6.89 44.75 841 18.79 8.05 4.05 Kumari Bank 8.50 15.99 420 26.26 7.97 2.63 Mega Bank Nepal 8.34 14.76 406 27.50 7.86 4.03 Siddhartha Bank 9.00 26.66 600 22.51 8.56 3.48 Nabil Bank 5.80 72.05 2,013 27.94 7.85 5.12 Machhachapuchhre Bank 8.57 17.10 482 28.18 7.46 2.83 Nepal Bangladesh Bank 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 8.79 2.99 273 91.17 7.54 2.69 Sunrise Bank 8.72 18.05 395 21.89 8.96 3.92 Laxmi Bank 9.49 18.56 462 24.90 7.81 2.35 Lumbini Bank 8.71 11.21 280 24.98 7.63 3.01 Grand Bank Nepal 9.83 5.97 264 44.26 8.53 2.13 KIST Bank 9.80 (14.24) 207 (14.53) 10.01 3.77 Everest Bank 6.39 75.02 2,260 30.13 7.37 3.99 5.24 65.27 1,804 27.64 7.03 5.49 Nepal SBI Bank 8.02 33.95 1,015 29.90 8.95 3.80 5
Operating profit before provision/l&a and Investments Profit/L&A and Investments Profit/Revenue ROE Annualized Profit/ Interest Income 2.87 1.24 16.89 15.11 39.20 Sanima Bank 2.46 1.48 21.83 15.58 55.40 Global IME Bank 2.13 1.55 27.39 16.04 59.12 NMB Bank 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 3.51 2.11 32.29 22.05 64.20 Kumari Bank 1.92 0.73 10.81 8.96 32.77 Mega Bank Nepal 2.76 1.54 21.51 12.69 41.95 Siddhartha Bank 2.71 1.23 16.74 16.89 41.18 Nabil Bank 3.72 2.15 39.22 26.28 60.05 Machhachapuchhre Bank 1.72 1.07 15.49 13.60 40.86 Nepal Bangladesh Bank 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 1.13 0.30 4.28 2.84 12.00 Sunrise Bank 2.40 1.13 15.12 13.35 34.57 Laxmi Bank 1.82 0.89 13.11 10.62 43.50 Lumbini Bank 2.22 1.19 15.87 8.35 40.19 Grand Bank Nepal 1.57 0.51 6.80 5.26 27.15 KIST Bank 1.58-1.25-14.70-23.25-38.99 Everest Bank 2.85 1.74 28.96 24.39 53.47 4.48 2.89 52.60 23.78 67.44 Nepal SBI Bank 2.08 1.32 22.44 20.11 52.86 6
Prime Commercial Bank Agricultural Development Bank NIC Asia Bank Himalayan Bank Civil Bank Nepal Bank Particulars Revenue 2067518 5873941 2957913 3528870 1262252 3498073 Qr. -8.3-1.5-5.2-5.9-1.1 7.7 Interest Income 732,445 3,240,583 1,309,231 1,795,246 353,746 1,856,697 Qr. -21.3-11.6-0.7-7.9-10.7 14.4 Operating Profit before provision 726,870 1,623,812 1,107,221 1,525,646 246,931 432,534 Qr. -20.6-1.8-3.0-17.4-16.3-74.9 Profit 423,707 800,511 627,311 792,852 75,850 384,038 Qr. -39.1 52.7 0.6-33.1 94.6-49.5 same last year 9.20-15.3 62.9 10.4-10.1 54.31 Provision for Possible Losses 179099 950761 256128 299182 127738 139829 Paid Up Capital 2,638,699 3,200,000 2,311,552 2,898,000 2,000,000 3,965,524 Reserve and Surplus 874,895 5,386,625 2,703,935 3,194,561 114,010 (3,450,834) Deposits 30,154,468 66,347,811 40,569,954 62,917,185 18,432,113 65,901,540 Qr. 11.9 2.1 5.5 5.3-0.3 2.5 Investments 3,063,859 18,681,399 4,558,521 17,971,768 1,983,018 19,764,002 Qr. 5.0 20.5-8.1 20.2 2.1 25.2 Loans and Advances 25388069 54504754 33292196 45715752 15539244 38607723 Qr. 8.8 3.4 4.6 4.0 1.6-0.8 Non Performing Loan (NPL) to total Loan 2.01 6.43 2.77 2.84 1.57 5.33 Qr. -9.0 6.3-6.4-17.9 8.3-8.6 Capital fund to RWA 12.27 15.15 13.84 11.21 11.88 0.88 Interest Spread 5.66 7.85 4.37 4.58 3.66 4.56 Cost of Funds 6.02 5.52 6.18 4.42 7.87 4.15 CD Ratio 77.43 70.69 76.72 70.56 79.09 58.36 Base Rate 9.05 12.16 8.03 7.78 10.14 7.39 EPS (annualized) 21.41 33.35 36.18 36.48 5.06 12.91 Latest closing Price 480.00 452.00 761.00 865.00 251.00 318.00 P/E ratio 22.42 13.55 21.03 23.71 49.64 24.63 7