Ratio and Trend Analysis

Introduction (FY 74-75)

• 32 years of service

• NPR 10.65 billion Paid-up Capital

• NPR 20.94 billion Core Capital

• “Nepal’s Best Bank” award by Euromoney Awards for Excellence – 2018.

• Consistent rating of “A” from ICRA Nepal since 2009.

• June 2018, upgraded to “A+”

• Customer base reached to 897,791

Branches
FY 74... 77.00

20.78%

FY 73... 61.00

24.59%

FY 72... 46.00

0.00%

FY 71... 46.00

4.35%

FY 70... 44.00
Weighted Average Interest Rate Spread
FY 74-75 4.30

-0.93%

FY 73-74 4.34

-7.37%

FY 72-73 4.66

1.07%

FY 71-72 4.61

-4.56%

FY 70-71 4.82
Return on Equity
FY 74-75 14.71

-29.98%

FY 73-74 19.12

-36.51%

FY 72-73 26.10

4.98%

FY 71-72 24.80

-11.29%

FY 70-71 27.60
Return on Assets
FY 74-75 2.10

0.00%

FY 73-74 2.10

4.76%

FY 72-73 2.00

5.00%

FY 71-72 1.90

-21.05%

FY 70-71 2.30
Earning per Share
FY 74-75 35.70

17.93%

FY 73-74 29.31

0.03%

FY 72-73 29.30

-5.46%

FY 71-72 30.90

-31.72%

FY 70-71 40.70
Market Price per Share
FY 74-75 621.00

-23.99%

FY 73-74 770.00

-35.06%

FY 72-73 1,040.00

32.31%

FY 71-72 704.00

-36.36%

FY 70-71 960.00
Price Earning Ratio
FY 74-75 17.40

-51.15%

FY 73-74 26.30

-34.98%

FY 72-73 35.50

35.77%

FY 71-72 22.80

-3.51%

FY 70-71 23.60
Total Deposits (amt in billions)

FY 74-75 140.33

10.45%

FY 73-74 125.67

13.56%

FY 72-73 108.63

32.03%

FY 71-72 73.83

-22.75%

FY 70-71 90.63
Total Loans (amt in billions)

FY 74-75 120.83

13.41%

FY 73-74 104.62

18.32%

FY 72-73 85.46

22.52%

FY 71-72 66.22

21.44%

FY 70-71 52.02
Credit Deposit Ratio
FY 74-75 86%

3.31%

FY 73-74 83%

5.50%

FY 72-73 79%

-14.00%

FY 71-72 90%

36.00%

FY 70-71 57%
Non Performing Assets (amt in millions)

FY 74-75 1,665.23

46.66%

FY 73-74 888.16

33.23%

FY 72-73 592.99

-42.35%

FY 71-72 844.13

-12.20%

FY 70-71 947.12
Operating Income (amt in billions)

FY 74-75 15.87

30.23%

FY 73-74 11.07

25.75%

FY 72-73 8.22

15.09%

FY 71-72 6.98

0.18%

FY 70-71 6.97
Operating Cost (amt in billions)

FY 74-75 10.91

41.87%

FY 73-74 6.34

28.71%

FY 72-73 4.52

1.91%

FY 71-72 4.43

8.09%

FY 70-71 4.07
Operating Profit (amt in billions)

FY 74-75 4.96

4.62%

FY 73-74 4.73

21.78%

FY 72-73 3.70

31.19%

FY 71-72 2.55

-13.58%

FY 70-71 2.89
Cost to Income Ratio
FY 74-75 68.75%

16.69%

FY 73-74 57.27%

3.99%

FY 72-73 54.99%

-15.52%

FY 71-72 63.52%

7.92%

FY 70-71 58.49%
Net Income (amt in billions)

FY 74-75 3.00

-8.23%

FY 73-74 3.25

19.96%

FY 72-73 2.60

25.49%

FY 71-72 1.94

-1.15%

FY 70-71 1.96
Total Assets (amt in billions)

FY 74-75 171.89

12.26%

FY 73-74 150.82

13.95%

FY 72-73 129.78

19.60%

FY 71-72 104.35

17.41%

FY 70-71 86.17
Total Liabilities (amt in billions)

FY 74-75 147.02

10.14%

FY 73-74 132.11

14.09%

FY 72-73 113.49

16.70%

FY 71-72 94.54

17.23%

FY 70-71 78.25
Book Value (amt in billions)

FY 74-75 24.87

24.78%

FY 73-74 18.71

12.94%

FY 72-73 16.29

39.79%

FY 71-72 9.81

19.19%

FY 70-71 7.93
Book Value per share
FY 74-75 236.00

25.42%

FY 73-74 176.00

-6.25%

FY 72-73 187.00

17.11%

FY 71-72 155.00

-7.10%

FY 70-71 166.00
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