Bank Interest Expenses Staff Expenses other operating expenses Total deposit

2075/2076 MBL 3,117,466.00 612,231.00 349,117.00 85,176,247.00

2075/2076 NBL 1,835,350.00 1,224,590.00 275,620.00 105,678,286.00
2075/2076 NMB 3,278,543.00 679,914.00 408,612.00 184,938,607.00
2075/2076 SBI 5,516,730.00 1,207,921.83 584,651.64 114,528,157.42
2075/2076 HBL 3,078,705.00 753,644.00 418,966.00 165,313,225.05
2075/2076 CBL 1,649,206.00 300,019.00 240,947.00 6,830,194.00
Total Expenses Investments Loans and advances
4,078,814.00 8,156,404.00 74,653,510.00
3,335,560.00 15,145,940.00 85,798,472.00
4,367,069.00 26,119,418.00 183,620,295.00
7,309,303.47 9,032,396.00 90,923,707.00
4,251,315.00 11,003,759.00 98,836,632.00
2,190,172.00 12,682,479.00 87,594,395.00
 Bank Interest income Other income Interest expenses
2079/2080 MBL 9,616,708.89 874733.64 6,823,802.50
2078/2079 MBL 6,596,935.40 887948.01 4,348,180.06
2077/2078 MBL 5,416,893.72 771455.75 3,428,462.51
2076/2077 MBL 5,681,654.45 739126.13 3,694,778.90
2075/2076 MBL 4,814,065.00 553513.00 3,117,466.00

2079/2080 NBL 11,227,737.51 595708.69 7,378,863.04

2078/2079 NBL 6,986,088.34 804655.93 3,961,157.95
2077/2078 NBL 5,743,262.08 700103.08 2,771,863.30
2076/2077 NBL 5,741,714.85 694939.96 2,996,635.14
2075/2076 NBL 5,002,599.00 867135.00 1,835,350.00

2079/2080 NMB 12,993,217.00 1,242,954.00 8,723,929.00

2078/2079 NMB 8,184,657.00 1,523,624.00 5,469,141.00
2077/2078 NMB 6,888,833.00 966,332.00 4,019,342.00
2076/2077 NMB 7,013,075.00 868,007.00 4,278,685.00
2075/2076 NMB 5,284,076.00 777,324.00 3,278,543.00

2079/2080 SBI 12,810,698.12 1190828.24 8,678,530.36

2078/2079 SBI 8,224,517.70 812133.46 5,550,927.20
2077/2078 SBI 3,969,151.12 404200.00 2,671,035.02
2076/2077 SBI 12,364,173.50 1577651.45 7,956,450.45
2075/2076 SBI 8,370,983.55 1236165.64 5,516,730.00

2079/2080 HBL 11,323,257.34 741901.73 7,674,403.52

2078/2079 HBL 6,478,598.36 835425.47 4,562,049.32
2077/2078 HBL 5,137,338.80 641320.24 3,377,629.07
2076/2077 HBL 6,177,152.77 825386.34 3,599,092.61
2075/2076 HBL 5,572,143.00 850978.00 3,078,705.00

2079/2080 CBL 6,819,261.00 287547.00 4,560,887.00

2078/2079 CBL 4,601,162.00 390434.00 3,133,714.00
2077/2078 CBL 3,185,697.00 337985.00 2,251,189.00
2076/2077 CBL 3,092,384.00 274489.00 1,899,503.00
2075/2076 CBL 2,747,234.00 235073.00 1,649,206.00
Operating Expenses
2194061.17
1685442.86
1604744.07
1490665.58
1097649.00

2929997.85
2194249.65
1625279.02
1705378.00
1721895.00

2,793,575.00
1,816,153.00
1,536,504.00
2,087,500.00
1,221,214.00

2766144.64
1820358.54
808903.15
3620265.79
2243702.92

3001496.34
1,689,884.77
1,414,545.93
1,286,353.27
1,394,014.00

1640923.00
1125591.00
1002734.00
1021075.00
822169.00
 Year Bank Interest Expenses Staff Expenses other operating expenses Total deposit
2079/2080
ADBL 7,514,049.10 1,698,498.69 479,467.11 172,847,928.09
2079/2080 PCBL 7,761,024.12 928,712.45 323,263.46 164,464,758.29
2079/2080 PRVU 7,763,098.00 1,542,491.00 526,689.00 270,923,379.00
2079/2080 SBL 9,404,754.19 1,418,441.30 583,191.16 205,129,144.74
2079/2080 CCBL

Year Bank Interest Expenses Staff Expenses other operating expenses Total deposit
2078/2079
ADBL
2078/2079 PCBL
2078/2079 PRVU
2078/2079 SBL
2078/2079 CCBL
ti

Total Expenses Investments Loans and advances

9,692,014.90
38,054,285.60 178,238,038.04
9,013,000.03 31,685,142.73 156,551,081.25
9,832,278.00 52,199,153.00 253,076,639.00
11,406,386.65 47,717,822.17 183,579,333.52

Total Expenses Investments Loans and advances

 ADBL PCBL PRVU SBL

Interest Income 11,243,296.27 11,298,074.07 11,153,981.00 13,422,628.34

Interest Expense 7,514,049.10 7,761,024.12 7,763,098.00 9,404,754.19
Net Interest Income 3,729,247.17 3,537,049.95 3,390,882.00 4,017,874.15
Fees & Commission Income
579,718.77 617,797.33 783,761.00 774,657.42

Fees & Commission Expense

37,301.04 58,291.50 36,302.00 161,845.93

Net Fees & Commission Income

542,417.73 559,505.83 747,458.00 612,811.49

Net Interest, Fees & Commission Income

4,271,664.91 4,096,555.78 4,138,341.00 4,630,685.64

Net Trading Income

42,232.03 88,797.39 105,206.00 123,940.81
Other Operating Income
82,795.58 95,602.94 115,899.00 203,201.09

Total Operating Income

4,396,692.51 4,280,956.11 4,359,446.00 4,957,827.54

Impairment Charge
2,176,539.01 583,192.78 426,749.00 1,192,475.57
Net Operating Income
2,220,153.50 3,697,763.33 3,932,696.00 3,765,351.97

Personnel Expenses
1,698,498.69 928,712.45 1,542,491.00 1,418,441.30
Other Operating Expenses
479,467.11 323,263.46 526,689.00 583,191.16

Depreciation and Amortization

153,729.40 83,422.15 229,322.00 106,452.06

Operating Profit
111,541.69 2,362,365.26 1,634,194.00 1,657,267.44
Non-Operating Income
51,091.67 - 22,827.00 1,187.05

Non-Operating Expenses
48,291.60 - 44,988.00 -

Non-Operating Income / (Expenses)

2,800.07 - 22,161.00 1,187.05

Profit before Tax

108,741.63 2,362,365.26 1,612,033.00 1,658,454.48
Income Tax
20,191.95 710,320.51 412,072.00 497,254.70
Current Tax - 710,320.51 499,727.00 497,254.70
Deferred Tax 20,191.95 - 87,655.00 -
Profit / (Loss) for the period
128,933.57 1,652,044.75 1,199,961.00 1,161,199.78
Other Expenses\ 4,545,535.25 1,976,882.34 2,761,553.00 3,462,406.02
Other Income 704,746.38 802,197.66 1,004,866.00 1,101,799.32
ADBL
CCBL
PCBL
PRVU
SBL

Cash & Cash Equivalent

7,270,611.12
3,924,324.00
5,781,096.64
8,502,854.00
8,494,783.85
L: BOKLAH: NMB
Money at Call & Short Notice
5,394,802.94
4,054,941.00
10,153,937.75
13,288,389.00
9,369,139.29
L: LBLAH: NABIL
Due from NRB
3,853,652.94
3,459,421.00
5,022,031.82
13,288,389.00
8,337,950.40
L: SCBAH: PRVU
Placement with B/FIs
1,541,150.00
595,520.00
5,131,905.93
-
1,031,188.89
L: CBLAH: NABIL
Loans and Advances
176,657,530.65
87,310,962.00
161,423,407.26
149,788,964.00
183,593,607.56
L: NBBAH: NICA
Loans & Advances to B/FIs
2,368,746.02
 2,102,457.00
7,029,110.86
7,456,316.00
6,711,650.52
L: CCBLAH: SCB
Loans & Advances to Customers
174,288,784.63
85,208,505.00
154,394,296.40
142,332,648.00
176,881,957.04
L: NBBAH: NICA
Investments
34,590,320.29
14,503,768.00
22,412,875.25
38,411,495.00
32,313,430.22
L: CBLAH: GBIME
Investment Securities
34,294,441.37
14,287,112.00
22,000,732.27
37,532,707.00
31,923,138.26
L: CBLAH: GBIME
Investment in Subsidiaries
28,840.00
171,500.00
-
524,229.00
51,000.00
L: ADBLAH: NICA
Investment in Associates
69,384.00
27,500.00
46,023.00
-
-
L: CZBILAH: LBL
Investment Property
197,654.91
17,656.00
366,119.98
354,559.00
339,291.97
L: EBLAH: NICA
Other Assets
 3,682,160.40
3,019,153.00
1,087,089.38
6,777,545.00
2,613,129.27
L: SCBAH: GBIME
Derivative Financial Instruments
-
-
-
3,078,489.00
102,294.96
L: MBLAH: NMB
Other Trading Assets
1,609,748.77
-
-
211,894.00
-
L: LBLAH: ADBL
Current Tax Assets
691,917.12
52,063.00
274,620.97
-
196,897.15
L: CZBILAH: NBL
Deferred Tax Assets
-
67,793.00
24,652.60
441,869.00
-
L: SCBAH: PRVU
Other Assets
1,122,062.46
2,889,139.00
768,027.71
2,916,880.00
2,244,655.55
L: SBIAH: NBL
Goodwill and Intangible Assets
258,432.05
10,158.00
19,788.10
128,413.00
69,281.61
L: SBIAH: MEGA
Property & Equipment
1,501,967.59
642,674.00
1,009,265.58
2,287,152.00
1,519,529.26
L: SCBAH: NBL
Total Assets
229,097,392.98
113,455,822.00
201,867,671.86
219,056,399.00
237,903,619.46
L: NBBAH: GBIME
Liabilities

Borrowings
35,029,011.63
6,637,064.00
15,941,657.18
29,819,192.00
23,714,683.28
L: EBLAH: ADBL
Due to B/FIs
1,721,936.10
2,536,996.00
9,176,490.47
5,624,454.00
5,507,590.11
L: NBLAH: GBIME
Due to NRB
14,366,244.24
4,100,068.00
4,324,197.80
18,558,043.00
9,094,934.17
L: CBLAH: PRVU
Borrowing
1,037,644.73
-
-
-
949,600.00
L: SBLAH: NABIL
Debt Securities Issued
17,903,186.56
-
2,440,968.91
5,636,695.00
8,162,559.00
L: EBLAH: ADBL
Deposits
157,491,860.51
92,198,312.00
158,930,952.53
163,598,778.00
188,798,429.61
L: NBBAH: NICA
Other Liabilities & Provisions
3,893,253.84
3,042,429.00
1,452,491.79
7,396,779.00
3,942,336.90
L: MEGAAH: EBL
Derivative Financial Instruments
79,442.20
889,968.00
-
3,026,155.00
-
L: HBLAH: NMB
Provisions
-
84,861.00
-
23,325.00
-
L: CZBILAH: NBL
Current Tax Liabilities
-
-
-
110,041.00
-
L: NMBAH: GBIME
Deferred Tax Liabilities
255,016.02
-
-
-
 779,539.86
L: NCCBAH: NBL
Subordinated Liabilities
-
-
-
-
-
L: N/AAH: N/A
Other Liabilities
3,558,795.62
2,067,600.00
1,452,491.79
4,237,258.00
3,162,797.05
L: BOKLAH: EBL
Total Liabilities
196,414,125.98
101,877,805.00
176,325,101.51
200,814,749.00
216,455,449.79
L: NBBAH: NICA
Equity

Shareholders Equity
32,683,267.00
11,578,016.00
25,542,570.35
18,241,650.00
21,448,169.67
L: CBLAH: GBIME
Paid Up Capital
18,620,627.76
9,553,909.00
18,656,322.80
12,708,704.00
12,524,426.84
L: CBLAH: GBIME
Reserves & Surpluses
14,062,639.24
2,024,107.00
6,886,247.54
 5,532,946.00
8,923,742.84
L: CCBLAH: NBL
Share Premium
-
-
-
-
-
L: NABILAH: EBL
Retained Earnings
3,629,886.02
457,649.00
933,955.94
702,264.00
852,673.22
L: KBLAH: ADBL
Reserves
10,432,753.21
1,566,458.00
5,952,291.60
4,830,682.00
8,071,069.62
L: CBLAH: NBL
Non-Controlling Interest
-
-
-
-
-
L: N/AAH: N/A
Total Equity
32,683,267.00
11,578,016.00
25,542,570.35
18,241,650.00
21,448,169.67
L: CBLAH: GBIME
Total Liabilities & Equity
229,097,392.98
113,455,821.00
201,867,671.86
219,056,399.00
237,903,619.46
L: NBBAH: GBIME
Contact Information
info@smartwealthpro.com (Information)
feedback@smartwealthpro.com (Feedback)
 hello@smartwealthpro.com (Subscription)
+977 9886049950, +977 9802098294, +977 9802320956
smartwealthpro.com
Quick LinksStock MarketPortfolioCompanyMutual FundInvestment OpportunitiesScreeners & Signals NewAdvance ChartMark
Keep in touch
Terms & ConditionsPrivacy PolicyDisclaimer
Powered By: Source Code
Smart Wealth Pro ©2023 All rights reserved
& Signals NewAdvance ChartMarket VisualizationNewsletter FreeFinancial GlossaryA to Z Stock
 Market

Market
Overview

Overview

Indices

Summary

Performance

Analysis

Market
Watch

Full Stock Watch

Floorsheet & Summary

 Historical Data

Technical Data

Broker
Analysis

Broker Breakdown

Broker Trade Summary

Stock Trade by Broker

 Broker Stock Holdings

Broker Contact Information

Stock
Calendar

Stock Calendar

Market
Visualizati
on

Stock Map

Pie Chart

Charts

Basic
 Advance

Sentiment
s

Sentiments

Portfol
io

Comp
any

Mutual
Fund
 News/
Corpor
ate
Action
s

Invest
ment
Opport
unities

Scree
ners &
Signal
s

Stock
Calcul
ator

Newsl
etter

Company
Name or
Symbol

Hi, Pradip

Glossary
Market
Portfolio
Company
Mutual Fund New
News/Corporate Actions
Investment Opportunities
Screeners & Signals New
Stock Calculator New
 Newsletter Free
Financi
al
Compa
rison
Market
Close Advan
ce
Chart Portfol
io Alert &
Notification

Companie
s
× (ADBL) Agriculture Development Bank Limited
×ADBL
×CCBL
×PCBL
×PRVU
 ×SBL

Fiscal
Year
2080/2081 (2023/2024)

Duration

Search R
eset

Key Financials

Balance Sheet

Income Statement

(Figures are
in '000
except for
ratio,
number and
% change.)

ADBL CCBL PCBL PRVU SBL

Interest
### ### ### ### ###
Income
Interest
### ### ### ### ###
Expense
Net Interest
### ### ### ### ###
Income
Fees &
Commission 738,266.14 277,112.00 672,551.08 700,273.00 764,115.89
Income
Fees &
Commission 18,974.13 24,024.00 47,071.78 30,698.00 149,540.41
Expense
Net Fees &
Commissio 719,292.00 253,088.00 625,479.30 669,575.00 614,575.48
n Income
Net Interest,
Fees &
Commissio ### ### ### ### ###
n Income

Net Trading
78,151.43 81,688.00 114,593.05 143,554.00 252,585.53
Income
Other
Operating 320,880.33 66,826.00 158,791.55 128,839.00 445,062.90
Income
Total
Operating ### ### ### ### ###
Income
Impairment
621,044.03 327,555.00 39,153.80 213,938.00 71,185.72
Charge
Net
Operating ### ### ### ### ###
Income
Personnel
### 583,250.00 820,024.02 ### ###
Expenses
Other
Operating 508,760.02 283,249.00 304,888.65 507,158.00 518,042.98
Expenses
Depreciation
and 147,632.76 81,765.00 89,275.93 140,582.00 91,515.55
Amortization
Operating
### ### ### ### ###
Profit
Non-
Operating 17,849.15 26,602.00 - 14,082.00 7,480.15
Income
Non-
Operating 12,610.09 67,861.00 - 40,942.00 16,694.24
Expenses
Non-
Operating
Income / 5,239.06 41,259.00 - 26,860.00 9,214.09
(Expenses)
Profit
### ### ### ### ###
before Tax
Income Tax
664,599.02 309,499.00 731,157.39 575,856.00 694,323.93
Current Tax 680,616.03 309,499.00 731,157.39 577,553.00 694,323.93
Deferred 16,017.01 - - 1,697.00 -
Tax
Profit /
(Loss) for ### 722,163.00 ### ### ###
the period

Contact
Informati
on

info@smartwealthpro.com (Information)
feedback@smartwealthpro.com (Feedback)

hello@smartwealthpro.com (Subscription)

+977
98860499
50, +977
98020982
94, +977
98023209
56

smartwealthpro.com

Quick
Links
Stock Market

Portfolio

Company

Mutual Fund

Investment Opportunities

Screeners & Signals New

Advance Chart

Market Visualization

Newsletter Free
 Financial Glossary

A to Z Stock

Keep in
touch

Terms & Conditions

Privacy Policy

Disclaimer

Powered By: Source Code

Smart
Wealth Pro
©2023 All
rights
reserved
 ADBL CCBL PCBL PRVU SBL

Interest
### ### ### ### ###
Income
Interest
### ### ### ### ###
Expense
Net Interest
### ### ### ### ###
Income
Fees &
Commission 738,266.14 277,112.00 672,551.08 700,273.00 764,115.89
Income
Fees &
Commission 18,974.13 24,024.00 47,071.78 30,698.00 149,540.41
Expense
Net Fees &
Commissio 719,292.00 253,088.00 625,479.30 669,575.00 614,575.48
n Income
Net Interest,
Fees &
Commissio ### ### ### ### ###
n Income

Net Trading
78,151.43 81,688.00 114,593.05 143,554.00 252,585.53
Income
Other
Operating 320,880.33 66,826.00 158,791.55 128,839.00 445,062.90
Income
Total
Operating ### ### ### ### ###
Income
Impairment
621,044.03 327,555.00 39,153.80 213,938.00 71,185.72
Charge
Net
Operating ### ### ### ### ###
Income
Personnel
### 583,250.00 820,024.02 ### ###
Expenses
Other
Operating 508,760.02 283,249.00 304,888.65 507,158.00 518,042.98
Expenses
Depreciation
and 147,632.76 81,765.00 89,275.93 140,582.00 91,515.55
Amortization
Operating
### ### ### ### ###
Profit
Non-
Operating 17,849.15 26,602.00 - 14,082.00 7,480.15
Income
Non-
Operating 12,610.09 67,861.00 - 40,942.00 16,694.24
Expenses
Non-
Operating
Income / 5,239.06 41,259.00 - 26,860.00 9,214.09
(Expenses)
Profit
### ### ### ### ###
before Tax
Income Tax
664,599.02 309,499.00 731,157.39 575,856.00 694,323.93
Current Tax 680,616.03 309,499.00 731,157.39 577,553.00 694,323.93
Deferred 16,017.01 - - 1,697.00 -
Tax
Profit /
(Loss) for ### 722,163.00 ### ### ###
the period
 Investment Return Total Profit
x1 Atlantic oil 50000 0.073 3650
x2 Pacific 30000 0.103 3090
x3 Midwest St 50000 0.064 3200 3830
x4 huber 6000 0.075 450 450
x5 Govt bond 14000 0.045 630
Total Capit 150000
Investment
Atlantic Oil 50000
Pacific Oil 30000
Mid-West Steel 0
Huber Steel 0
Government Bonds 20000
100000
 ADBL PCBL PRVU SBL

Assets
Cash &
Cash 6,395,044.79 10,156,975.58 10,494,917.00 6,562,687.02
Equivalent
Money at
Call & Short
Notice 6,445,193.33 10,093,355.90 14,422,588.00 11,048,454.63

Due from
6,288,893.33 8,468,177.60 14,422,588.00 9,889,239.32
NRB
Placement
156,300.00 1,625,178.30 - 1,159,215.30
with B/FIs
Loans and
178,238,038.04 156,551,081.25 253,076,639.00 183,579,333.52
Advances
Loans &
Advances to 2,380,443.83 6,237,739.83 7,691,062.00 5,977,656.78
B/FIs
Loans &
Advances to 175,857,594.20 150,313,341.43 245,385,577.00 177,601,676.74
Customers
Investment
38,054,285.60 31,685,142.73 52,199,153.00 47,717,822.17
s
Investment
37,703,469.35 30,794,583.51 51,003,883.00 47,447,883.73
Securities
Investment
in 28,840.00 - 695,729.00 51,000.00
Subsidiaries
Investment
in 69,384.00 46,023.00 27,500.00 -
Associates
Investment
252,592.25 844,536.21 472,041.00 218,938.43
Property
Other
8,336,617.49 1,727,466.43 8,279,297.00 5,175,010.34
Assets
Derivative
Financial - - 24,789.00 12,771.17
Instruments
Other
Trading 1,054,822.44 - 183,794.00 -
Assets
Current Tax
1,288,774.17 236,479.77 317,526.00 400,776.89
Assets
Deferred
54,749.39 109,692.57 701,307.00 -
Tax Assets
Other Assets
5,752,877.34 1,005,127.00 6,942,801.00 4,612,552.19
Goodwill and
Intangible
Assets 185,394.14 376,167.09 109,080.00 148,910.09

Property &
2,225,978.02 1,953,265.14 5,032,345.00 3,214,685.09
Equipment
Total
239,695,157.27 212,167,287.02 343,504,939.00 257,297,992.76
Assets
Liabilities
Borrowings 26,465,057.87 16,959,937.88 29,157,562.00 22,196,240.11
Due to B/FIs 2,311,174.36 6,106,938.38 15,346,374.00 6,132,319.64
Due to NRB 1,547,199.92 404,980.00 5,973,163.00 4,401,361.47
Borrowing 2,137,449.00 1,302,500.00 - -
Debt
Securities 20,469,234.59 9,145,519.49 7,838,025.00 11,662,559.00
Issued
Deposits 172,847,928.09 164,464,758.29 270,923,379.00 205,129,144.74
Other
Liabilities &
Provisions 7,197,504.69 2,976,883.52 10,436,147.00 6,964,486.78

Derivative
Financial 29,099.00 - 23,876.00 12,259.69
Instruments
Provisions - - 93,879.00 -
Current Tax
- - - -
Liabilities
Deferred
- - - 387,057.84
Tax
Liabilities
Subordinate
- - - -
d Liabilities
Other
7,168,405.69 2,976,883.52 10,318,392.00 6,565,169.25
Liabilities
Total
206,510,490.65 184,401,579.68 310,517,087.00 234,289,871.63
Liabilities
Equity
Shareholde
33,184,666.62 27,765,707.34 32,987,852.00 23,008,121.14
rs Equity
Paid Up
18,620,627.76 19,402,575.72 23,542,490.00 14,089,980.19
Capital
Reserves &
14,564,038.86 8,363,131.63 9,445,362.00 8,918,140.95
Surpluses
Share
- - - -
Premium
Retained
2,610,628.68 4,105.42 364,224.00 96,568.50
Earnings
Reserves 11,953,410.17 8,359,026.21 9,081,138.00 8,821,572.45
Non-
Controlling - - - -
Interest
Total Equity
33,184,666.62 27,765,707.34 32,987,852.00 23,008,121.14
Total
Liabilities & 239,695,157.27 212,167,287.02 343,504,939.00 257,297,992.76
Equity