Scribd Logo
Upload

Welcome to Scribd!

  • 23 views

    Bank Analysis

    Uploaded by

    Sachit KC
    The document compares the financial ratios of NMB Bank and Siddhartha Bank for the quarter ended Asar 2079. It includes statements of profit and loss and financial position for both banks and a table comparing their overall performance ratios for the quarter.

    Copyright:

    © All Rights Reserved
    Download as XLSX, PDF, TXT or read online from Scribd

    Bank Analysis

    Uploaded by

    Sachit KC
    23 views6 pages
    The document compares the financial ratios of NMB Bank and Siddhartha Bank for the quarter ended Asar 2079. It includes statements of profit and loss and financial position for both banks and a table comparing their overall performance ratios for the quarter.

    Copyright

    © © All Rights Reserved

    Available Formats

    XLSX, PDF, TXT or read online from Scribd

    Did you find this document useful?

    Is this content inappropriate?

    The document compares the financial ratios of NMB Bank and Siddhartha Bank for the quarter ended Asar 2079. It includes statements of profit and loss and financial position for both banks and a table comparing their overall performance ratios for the quarter.

    Copyright:

    © All Rights Reserved
    Download as XLSX, PDF, TXT or read online from Scribd
    Download as xlsx, pdf, or txt
    23 views6 pages

    Bank Analysis

    Uploaded by

    Sachit KC
    The document compares the financial ratios of NMB Bank and Siddhartha Bank for the quarter ended Asar 2079. It includes statements of profit and loss and financial position for both banks and a table comparing their overall performance ratios for the quarter.

    Copyright:

    © All Rights Reserved
    Download as XLSX, PDF, TXT or read online from Scribd
    Download as xlsx, pdf, or txt
    of 6

    Comparative Study of Financial Ratios

    of NMB Bank Limited (NMB) and Siddhartha Bank Limited (SBL)


    for Quarter ended Asar, 2079

    Statement of Profit or Loss


    For Quarter ended Asar, 2079

    in "000"
    NMB SBL
    Interest Income 6,057,623 6,621,598
    Interest Expenses 3,932,621 4,344,831
    Net Interest Income 2,125,002 2,276,767
    Loan Loss Provision 217,645 17,214
    Adjusted Net Interest Income 2,342,647 2,259,553
    Non-interest Income 310,352 489,261
    Non-interest Expenses 1,225,442 1,054,164
    Operating Profit 1,427,557 1,694,650
    Non-Operating Income 1,252 1,000
    Non-operating Expenses 46,756 150
    Before Profit Taxes 1,382,053 1,695,800
    Taxes 346,028 564,620
    Net Income 1,036,025 1,131,180
    Statement of Financial Position
    As on Quarter ended Asar, 2079

    in "000"
    NMB SBL
    Assets
    Cash and Cash equivalent 15,428,458 7,898,989
    Due from Nepal Rastra Bank 13,747,314 5,730,449
    Placement with Bank and Financial Institutions 3,782,289 320,313
    Derivative financial instruments 5,293,773 19,694
    Other trading assets - -
    Loan and advances to B/Fis 5,920,095 6,403,394
    Loans and advances to customers 175,788,057 178,754,323
    Investment securities 29,083,063 57,368,162
    Current tax assets - 232609
    Investment in subsidiaries 372,488 51,000
    Investment in associates - -
    Investment Property 295,162 213,308
    Property and equipment 1,762,378 3,077,068
    Goodwill and Intangible assets 153,684 71,491
    Deferred tax assets 339,779 -
    Other assets 3,847,574 4,217,199
    Total Assets 255,814,112 264,357,998
    Liabilities
    Due to Bank and Financial Institutions 2,070,495 7,234,642
    Due to Nepal Rastra Bank 8,996,367 24,965,103
    Derivative financial instruments 5,351,098 19,360
    Deposits from customers 184,829,048 191,550,644
    Borrowing 12,997,400 1,022,800
    Current tax liabilites 88,529 -
    Provisions - -
    Deferred tax liabilities - 239361
    Other liabilities 6,145,641 5,748,057
    Debt securities issued 8,127,854 11,662,559
    Subordinated liabilities - -
    Total Liabilities 228,606,431 242,442,525
    Equity
    Share capital 18,366,706 12,524,427
    Share premium - -
    Retained earnings 2,392,410 1,606,811
    Reserves 6,448,565 7,784,236
    Total equity attributable to equity holders 27,207,681 21,915,474
    Non-controlling interest - -
    Total equity 27,207,681 21,915,474
    Total liabilities and equity 255,814,112 264,357,998
    Overall Performance Ratios of NMB and SBL
    For Quarter ended Asar, 2079

    S.NO. Ratio NMB SBL


    1 ROE 3.81% 5.16%
    2 ROA 0.40% 0.43%
    3 Equity Multiplier 9.40 12.06
    4 Profit Margin 16.27% 15.91%
    5 Asset Utilization 2.49% 2.69%
    6 Net Interest Margin 1.04% 0.96%
    7 Spread 0.97% 0.55%
    8 Overhead efficiency 25.33% 46.41%
    9 Interest expense ratio 61.76% 61.10%
    10 Provision for loan loss ratio -3.42% 0.24%
    11 Noninterest expense ratio 19.24% 14.82%
    12 Tax ratio 5.43% 7.94%
    13 Interest income ratio 2.37% 2.50%
    14 Noninterest income ratio 0.12% 0.19%
    Interest Income 6,621,598,028 6,621,598
    Interest Expenses 4,344,831,129 4,344,831
    Net Interest Income 2,276,766,899 2,276,767
    Loan Loss Provision 17,214,192 17,214
    Adjusted Net Interest Income 2,259,552,707 2,259,553
    Non-interest Income 489,260,949 489,261 392,508,052 87,892,429 8,860,468
    Non-interest Expenses 1,054,163,809 1,054,164 59,988,982 594,794,820 350,301,536
    Operating Profit 1,694,649,847 1,694,650
    Non-Operating Income 999,900 1,000
    Non-operating Expenses 150,000 150
    Before Profit Taxes 1,695,799,747 1,695,800
    Taxes 564,620,208 564,620 605,432,508 40,812,300
    Net Income 1,131,179,539 1,131,180
    49,078,471

    You might also like