Sunday, March 1, 2020

७६७७ को ६ महिनामा बैंकहरूकाे उपलब्धी र लगानी प्राथमिकता

आर्थिक वर्ष २०७६-७७ को अर्धवार्षिक समिक्षा गर्दा धेरैले वार्षिक तथ्यांक तुलना गर्दै उच्च उपलब्धिकाे प्रस्तुत गरे, तर वास्तवमा एक वर्ष अगाडिका कतिपय तथ्यांक बासी र तुलनायाेग्य समेत छैनन् भने कतिपय तथ्यांक वार्षिक तुलनाकाे विकल्प पनि छैन् । यहाँ बैंकहरूकाे २०७५–७६ के चाैथाे त्रैमासिक पछिकाे अवस्था तुलनात्मक रूपमा केलाउने प्रयास गरिएकाे छ । तथ्यांक विश्लेषण र प्रस्तुति गर्दा बैंकहरूले प्रकाशित विवरणमा हामीले देखेकाे अावश्यक समायाेजन समेत गरिएकाे छ ।

चुक्ता पूँजी, सामान्य जगेडा काेष, ग्राहक निक्षेप र ग्राहक कर्जामा परिवर्तन
सरसर्ति हेर्दा ग्लाेवलले उल्लेख्य प्रगति देखिए पनि उसकाे तथ्यांकमा जनता बैंककाे पुँजी, जगेडा, ग्राहक निक्षेप र ग्राहक कर्जा समेत जाेडिएकाे अनि एनएमबीले अाेमलाइ मर्ज गरेकाेले तथ्यांकमा उल्लेख्य सुधार अाएकाे पाटाे बिर्सनु हुन्न । एनसिसिकाे काेष २८ प्रतिशतले घटेकाे देखिन्छ भने ग्राहक निक्षेप पनि ५.१० प्रतिशतले घटेकाे छ । कर्जा विस्तारमा भने चार्टर सबैभन्दा कमजाेर नै देखिन्छ । अाैसतमा बैंकहरूले करिव ११७ कराेड (१२.७१%) ले पुजी, ३६ कराेडले जगेडा काेष (१२.८१%), निक्षेप ८५९ कराेड (८.८१%) र कर्जा १०५० कराेड (११.७३%)ले  बढाएका छन् ।


Bank
Capital (Rs. Crore)
General Reserve (Rs. Crore)
Deposit from Customer
(Rs. Crore)
Loan & Advances to Customer (Rs. Crore)
Change
%
Change
%
Change
%
Change
%
ADBL
54.09
6.00%
0.96
0.09%
745
6.22%
456.38
4.12%
BOKL
48.38
6.00%
(4.01)
-0.88%
627
7.56%
515.50
7.19%
CBL
-
0.00%
(0.18)
-0.11%
575
13.68%
506.74
11.87%
CCBL
-
0.00%
34.66
33.54%
325
5.61%
257.30
4.52%
CZBL
25.11
3.00%
10.68
3.85%
508
7.21%
618.89
9.84%
EBL
44.33
5.52%
16.69
2.35%
1,164
8.99%
976.12
9.33%
GBIME
866.54
84.04%
427.75
133.39%
7,732
64.39%
8,154.09
74.82%
HBL
85.20
10.00%
79.01
14.83%
334
3.05%
489.95
5.28%
KBL
86.86
10.00%
9.52
4.43%
747
10.21%
780.50
10.67%
LBL
89.21
10.00%
14.27
6.59%
849
10.64%
982.47
13.06%
MBL
40.28
5.00%
60.34
41.57%
1,233
14.47%
1,224.93
16.27%
Mega
-
0.00%
4.77
2.58%
153
1.95%
420.15
6.00%
Nabil
108.57
12.05%
233.83
25.06%
(5)
-0.03%
1,211.02
9.37%
NBB
40.44
5.00%
36.09
10.87%
330
5.51%
520.51
9.87%
NBL
147.17
15.00%
17.58
1.32%
(8)
-0.07%
604.56
6.54%
NCC
233.53
33.27%
(101.37)
-28.19%
(342)
-5.10%
376.40
6.16%
NIB
135.13
10.50%
(85.27)
-7.78%
56
0.38%
960.21
7.81%
NICA
88.34
10.00%
109.54
28.23%
192
1.09%
887.00
6.22%
NMB
433.28
45.05%
167.97
47.56%
2,854
29.15%
2,514.89
28.42%
PCBL
191.81
20.58%
58.73
22.51%
331
4.30%
839.68
11.58%
Pravu
142.28
16.00%
(2.34)
-0.60%
311
2.76%
830.05
9.61%
Sanima
80.01
10.00%
16.33
7.24%
993
11.11%
746.32
9.19%
SBI
50.70
6.00%
28.34
7.42%
677
6.91%
993.26
11.78%
SBL
90.02
10.13%
(55.64)
-12.60%
1,164
10.13%
1,359.53
12.98%
SCB
-
0.00%
(7.38)
-1.43%
481
6.35%
118.29
2.23%
SRBL
81.53
10.00%
34.34
13.27%
672
8.91%
670.92
9.74%
RBB
-
0.00%
(125.46)
-9.13%
487
2.56%
344.33
2.38%
Avg
117.14
12.71%
36.29
12.81%
858.74
8.81%
1,050.37
11.73%
Note: Consider Global merged Janata and NMB merged Om Development Bank

खुद व्याज अाय, संचालन मुनाफा र अवधिकाे मुनाफा (खुद मुनाफा) मा परिवर्तन
सरसर्ति हेर्दा ग्लाेवलले उल्लेख्य प्रगति देखिए पनि उसकाे तथ्यांकमा जनता बैंककाे पुँजी, जगेडा, ग्राहक निक्षेप र ग्राहक कर्जा समेत जाेडिएकाे अनि एनएमबीले अाेमलाइ मर्ज गरेकाेले तथ्यांकमा उल्लेख्य सुधार अाएकाे पाटाे बिर्सनु हुन्न । नेपाल बैंककाे खुद ब्याज अाय करिव ४२ कराेड र संचालन मुनाफा पनि करिव ५८ कराेडले घटेकाे देखिन्छ । वितरणयाेग्य मुनाफा भने राष्ट्रिय बाणिज्य बैंककाे सबैभन्दा बढि घटकाे छ ।

Bank
Net Interest (Rs. Crore)
Operating Profit  (Rs. Crore)
Profit Period (Rs. Crore)
Free Profit (Rs. Crore)

Chg Amt
%
Chg Amt
%
Chg Amt
%
Chg Amt
%
ADBL
(39.96)
-11.19%
19.94
11.17%
21.74
15.94%
5.46
4.99%
BOKL
16.37
9.25%
21.48
20.52%
14.63
19.83%
(6.31)
-9.54%
CBL
9.49
8.64%
(6.46)
-12.65%
(4.35)
-12.08%
(10.87)
-45.31%
CCBL
18.85
14.07%
17.05
23.04%
13.17
25.39%
(2.05)
-4.62%
CZBL
(5.65)
-3.78%
(13.05)
-12.01%
(8.26)
-10.73%
(3.86)
-5.86%
EBL
23.14
8.66%
11.39
5.58%
7.99
5.59%
(17.68)
-16.97%
GBIME
116.76
49.04%
62.79
36.06%
90.79
73.85%
8.15
7.23%
HBL
8.46
3.39%
16.67
8.55%
37.54
27.46%
(23.19)
-19.97%
KBL
30.58
20.16%
16.80
17.39%
12.68
18.75%
5.48
9.07%
LBL
29.01
19.95%
21.58
20.01%
17.92
24.76%
(8.03)
-11.94%
MBL
29.03
17.11%
8.29
7.19%
4.05
5.18%
(19.73)
-24.55%
Mega
35.24
19.79%
32.56
31.49%
21.82
29.80%
7.93
14.49%
Nabil
(15.97)
-4.42%
(17.43)
-5.65%
(13.50)
-6.20%
(58.59)
-28.65%
NBB
(4.13)
-2.96%
7.46
7.09%
1.45
1.82%
(18.01)
-29.13%
NBL
(42.22)
-13.33%
(57.79)
-24.99%
(30.91)
-18.60%
(89.32)
-56.64%
NCC
20.00
13.65%
2.63
2.54%
1.52
2.05%
(11.87)
-18.43%
NIB
(24.99)
-7.54%
(46.29)
-16.28%
(30.95)
-15.66%
(88.31)
-51.15%
NICA
3.98
1.10%
76.61
35.85%
50.48
33.40%
(18.61)
-14.77%
NMB
72.89
36.34%
(4.67)
-2.99%
52.61
47.40%
14.17
14.53%
PCBL
39.24
22.14%
34.18
22.61%
23.99
22.61%
(6.83)
-7.31%
Pravu
30.41
14.12%
17.24
12.94%
4.40
4.22%
(4.81)
-4.45%
Sanima
25.85
13.54%
23.01
16.51%
16.54
16.84%
0.09
0.10%
SBI
(8.66)
-3.96%
(1.55)
-1.08%
(2.20)
-2.15%
(16.56)
-18.35%
SBL
48.50
21.19%
(0.13)
-0.09%
(4.29)
-4.01%
(29.56)
-33.96%
SCB
18.52
11.21%
11.65
7.12%
8.16
7.12%
3.26
3.27%
SRBL
32.60
18.94%
20.92
18.42%
15.16
19.13%
(20.71)
-28.52%
RBB
10.69
2.16%
(37.21)
-10.83%
(20.05)
-8.32%
(108.51)
-49.82%
Avg
17.71
10.27%
8.80
8.06%
11.19
11.98%
(20.43)
-18.79%
Note: Consider Global merged Janata and NMB merged Om Development Bank

अाधारभूत इपिएस, वितरणयाेग्य मुनाफामा इपिएस, नेटवर्थ, पूँजीकाेष र एनपिएलमा परिवर्तन
माथिकाे तालिकाले खुद मुनाफा अाैसतमा करिव ११.९८% ले बढेकाे देखिँदे गर्दा प्रतिशेयर अाय भने अाैसतमा ५.५१% ले घटेकाे छ । यसकाे मतलब पुँजी वृद्धिकाे अनुपातमा मुनाफा बढ्नसकेकाे छैन । अझ वितरणयाेग्य मुनाफामा त उल्लेख्य ह्रास देखिन्छ ।

Bank
EPS (Rs) PP
EPS (Rs) FPP
Networth (Rs)
CAR (%)
NPL (%)

Change (Rs)
%
Change (Rs)
%
Change (Rs)
%
Change (Pt)
%
Change (Pt)
%
ADBL
(14.98)
-33.53%
(12.49)
-37.72%
(1.81)
-0.70%
0.06
0.30%
1.01
34.83%
BOKL
(3.36)
-13.97%
(2.13)
-13.18%
(13.87)
-7.98%
(0.78)
-5.35%
0.04
2.67%
CBL
(1.60)
-16.85%
(3.68)
-52.87%
(3.76)
-2.94%
(2.05)
-11.41%
0.32
13.50%
CCBL
5.22
51.04%
3.69
58.05%
6.20
5.13%
0.50
3.51%
(0.05)
-2.91%
CZBL
(1.83)
-10.30%
1.04
7.75%
(7.74)
-5.20%
(0.41)
-3.11%
(0.20)
-16.81%
EBL
(2.26)
-5.97%
(6.80)
-25.01%
(11.65)
-5.33%
(1.42)
-10.33%
-
0.00%
GBIME
(4.58)
-16.90%
(10.83)
-45.94%
(13.39)
-8.44%
(0.84)
-6.82%
0.65
118.18%
HBL
3.77
11.27%
(3.91)
-16.46%
(10.40)
-5.51%
2.00
15.71%
0.16
14.29%
KBL
1.45
9.44%
2.66
23.85%
(6.00)
-4.39%
(0.55)
-4.56%
0.07
7.22%
LBL
0.74
4.20%
(0.90)
-6.95%
(7.77)
-5.48%
1.84
16.24%
(0.23)
-20.72%
MBL
(1.72)
-8.12%
(2.05)
-12.52%
(7.70)
-5.52%
0.60
4.66%
0.08
21.62%
Mega
1.74
10.52%
(1.01)
-7.75%
(3.68)
-2.81%
(1.76)
-11.37%
0.63
73.26%
Nabil
(7.21)
-15.13%
(6.44)
-18.22%
(21.38)
-8.28%
(1.18)
-9.28%
0.01
1.35%
NBB
(1.00)
-5.01%
(1.42)
-12.11%
(11.61)
-7.54%
(0.80)
-5.82%
0.36
23.08%
NBL
(2.65)
-9.96%
(23.06)
-65.55%
(50.00)
-16.66%
-
0.00%
0.08
3.10%
NCC
(5.58)
-25.67%
(5.86)
-34.31%
(43.26)
-24.25%
(0.84)
-5.98%
0.04
1.44%
NIB
(3.11)
-11.72%
1.05
9.76%
(15.75)
-7.88%
(0.28)
-2.05%
0.12
4.32%
NICA
6.94
20.07%
(2.26)
-9.27%
(4.54)
-2.68%
(0.73)
-5.42%
-
0.00%
NMB
(0.57)
-2.36%
2.76
20.79%
(37.23)
-20.51%
0.73
4.77%
1.14
139.02%
PCBL
(2.23)
-8.80%
(1.77)
-10.29%
(9.16)
-6.29%
0.45
3.52%
0.53
57.61%
Pravu
(2.01)
-8.71%
0.53
2.73%
(16.19)
-9.88%
0.32
2.76%
0.81
35.06%
Sanima
(1.97)
-7.02%
1.29
6.36%
(9.67)
-6.50%
(0.33)
-2.52%
0.33
412.50%
SBI
(4.91)
-18.03%
(2.45)
-12.96%
(19.05)
-11.36%
(1.03)
-7.35%
(0.03)
-15.00%
SBL
(5.00)
-19.24%
(6.84)
-36.79%
(19.05)
-11.22%
0.30
2.39%
0.80
106.67%
SCB
(0.52)
-1.66%
3.23
14.36%
(8.05)
-4.30%
(3.82)
-19.20%
0.02
13.33%
SRBL
0.12
0.58%
(2.13)
-15.54%
(9.21)
-6.08%
2.00
15.22%
0.66
64.08%
RBB
(10.10)
-17.07%
(15.89)
-39.56%
(7.20)
-2.75%
(0.05)
-0.38%
0.87
22.31%
Avg
(2.12)
-5.51%
(3.54)
-12.20%
(13.44)
-7.24%
(0.30)
-1.55%
0.30
41.26%
Note: Consider Global merged Janata and NMB merged Om Development Bank

हालकाे मुनाफा वर्षान्तसम्म निकै परिवर्तन हुनसक्छ, त्यसैले हालकाे तथ्यांकलाइ केवल अनुमानका लागि मात्र प्रयाेग गरिनुपर्छ । बैंकहरूकाे सूचकांकहरूलाइ समग्रतामा विश्लेषण गर्दा लगानी प्राथमिकताका लागि २०७६ फागुन १५ गतेकाे मूल्यका अाधारमा पिइ निकाल्दा यस्ताे देखियाे ।

Bank
Capital*
General Reserve*
Deposit Customer*
Loan & Advances Customer*
Net Interest *
Operating Profit*
Profit Period*
Free Profit*
EPS (Rs)
Free EPS (Rs)
Networth (Rs)
CAR (%)
NPL (%)
PE
Aggregate Score
Nabil
10.10
11.67
164.32
141.39
3.45
2.91
2.04
1.46
40.44
28.90
236.68
11.53
0.75
23.62
17.99
GBIME
18.98
7.48
197.41
190.53
3.55
2.37
2.14
1.21
22.53
12.74
145.23
11.47
1.20
13.58
16.90
NICA
9.72
4.98
178.74
151.45
3.65
2.90
2.02
1.07
41.50
22.11
164.87
12.75
0.46
15.90
16.34
ADBL
9.56
10.42
127.22
115.36
3.17
1.98
1.58
1.15
29.69
20.62
255.72
20.39
3.91
15.73
14.99
NIB
14.22
10.10
149.95
132.60
3.06
2.38
1.67
0.84
23.43
11.86
184.03
13.37
2.90
20.66
14.93
NBL
11.28
13.52
117.12
98.46
2.75
1.73
1.35
0.68
23.97
12.12
250.05
17.41
2.66
13.14
14.50
EBL
8.47
7.27
141.20
114.33
2.90
2.16
1.51
0.86
35.62
20.39
207.04
12.33
0.16
24.71
14.32
HBL
9.37
6.12
112.73
97.72
2.58
2.12
1.74
0.93
37.18
19.83
178.36
14.73
1.28
18.77
13.67
NMB
13.95
5.21
126.43
113.64
2.73
1.51
1.64
1.12
23.45
16.01
144.26
16.05
1.96
21.24
12.67
Pravu
10.32
3.85
115.50
94.72
2.46
1.50
1.09
1.03
21.05
20.03
147.61
11.90
3.12
13.49
12.09
SBL
9.79
3.86
126.55
118.36
2.77
1.52
1.03
0.57
20.98
11.75
150.72
12.86
1.55
18.16
11.57
Sanima
8.80
2.42
99.30
88.71
2.17
1.62
1.15
0.95
26.07
21.61
139.06
12.78
0.41
16.26
11.42
PCBL
11.24
3.20
80.35
80.92
2.16
1.85
1.30
0.87
23.15
15.41
136.56
13.23
1.45
14.47
11.39
SCB
8.01
5.10
80.54
54.29
1.84
1.75
1.23
1.03
30.63
25.73
179.03
16.08
0.17
27.33
11.40
SBI
8.96
4.11
104.65
94.23
2.10
1.41
1.00
0.74
22.35
16.45
148.64
12.98
0.17
24.25
10.82
BOKL
8.55
4.51
89.21
76.89
1.93
1.26
0.88
0.60
20.68
14.00
159.85
13.80
1.54
13.73
10.57
MBL
8.46
2.05
97.52
87.55
1.99
1.24
0.82
0.61
19.43
14.34
131.88
13.48
0.45
14.57
9.99
SRBL
8.97
2.93
82.16
75.59
2.05
1.35
0.94
0.52
21.06
11.58
142.26
15.14
1.69
14.20
10.01
LBL
9.81
2.31
88.23
85.05
1.74
1.29
0.90
0.59
18.41
12.06
133.90
13.17
0.88
14.50
9.92
KBL
9.55
2.24
80.68
80.93
1.82
1.13
0.80
0.66
16.81
13.79
130.64
11.52
1.04
13.56
9.88
Mega
10.39
1.90
80.22
74.19
2.13
1.36
0.95
0.63
18.29
12.06
127.25
13.72
1.49
14.49
9.87
CZBL
8.62
2.88
75.59
69.10
1.44
0.96
0.69
0.62
15.95
14.41
141.13
12.78
0.99
14.42
9.25
NBB
8.49
3.68
63.12
57.93
1.36
1.13
0.81
0.44
19.02
10.32
142.30
12.95
1.92
13.77
9.24
NCC
9.35
2.58
63.62
64.90
1.67
1.06
0.76
0.53
16.17
11.23
135.12
13.20
2.82
13.85
9.11
CCBL
8.42
1.38
61.25
59.51
1.53
0.91
0.65
0.42
15.45
10.05
127.00
14.74
1.67
13.07
8.28
CBL
8.00
1.61
47.75
47.76
1.19
0.45
0.32
0.13
7.90
3.28
124.22
15.92
2.69
20.51
6.06
RBB
9.00
12.48
194.90
147.90
5.06
3.07
2.21
1.09
49.07
24.28
254.24
13.15
4.77
-
18.60
Total
270.37
139.87
2,946.25
2,614.01
65.25
44.93
33.21
21.35
Average
9.66
5.18
109.12
96.82
2.42
1.60
1.23
0.79
24.45
15.81
163.62
13.83
1.63
16.37

* Figures in Rs. Billion

याे केवल एक विश्लेषण हाे । लगानी निर्णय गर्दा अाफ्नाे जाेखिम लिने क्षमता, उदेश्य, रकमकाे स्राेत जस्ता धेरैपक्षमा ध्यान दिनुपर्छ । तथ्यांकलाइ पुनः विश्लेषण गर्न नबिर्सनु हेाला ।

बैंकहरूकाे दाेस्राे त्रैमासकाे विवरणका लागि Q27677 अनिश्चित अवस्थाका बैंकहरूको अन्योलपूर्ण विवरण पढ्नु हाेला ।

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