A Comparative Study of Commercial Banks

Q3 Analysis on Commercial Banks
A Comparative Study of Commercial Banks

This report is based on unaudited Financial Result of 3rd Quarter as at 30/12/2068 of the fiscal year 2068/69 of all commercial banks of Nepal
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Majors Highlights of Banking Industry:

Figure In 000
3rd Quarter 3rd Quarter % Change 2068/69 year 2067/68 year Total Net Profit Total Operating Profit Total Net Interest Income Total Deposits Total Loans and Advances Total Investment Total Provision Average Non Performing Loan Average Cost of Fund Average Net Interest Spread 9,072,115.55 9,227,824.32 21,920,490.27 783,477,674.6 571,956,039.5 179,304,438.2 6,221,737.38 2.88% 8.24% 3.45% 10,789,879.7 12,701,799.52 22,497,587.72 647,759,336.2 516,893,737.9 131,357,870.5 4,112,686.094 2.48% 8.14% 3.24% 31.95 10.87% 1.55% 15.44 -15.92% -27.35% -2.57% 20.95% 10.65% 36.50% 51.28% 16.52% 1.24% 6.50% -32.38% -20.73% -33.73% 42.10%
Annualized Average Earning Per 21.60 Share (EPS) Annualized Average Return on 8.61% Equity (ROE) Annualized Average Return on 1.03% Asset (ROA) Annualized Average Price-to- 21.95 Earning (P/E ratio) (Times)
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Net Profit
Net profit of commercial banks at the end of third quarter has gone down by 15.92% compared to the same period of the previous year. The combined net profit of commercial banks was NPR 9.07 billion compared to NPR 10.78 billion in the previous year. According to the unaudited third quarter financial results, Agricultural Development Bank Limited has the highest profit of NPR 1145.94 million, up from 1012.09 million in the previous quarter.
Bank Net Profit (in '000') Market Share (%) ADBNL 1,145,943 NABIL 1,135,194 SCB 850,048 NIBL 801,005 EBL 786,414 RBB 661,939 HBL 570,228 NBBL 480,020 BOK 400,464 NSBI 319,006 NIC 263,554
12.63%
12.51%
9.37%
8.83%
8.67%
7.30%
6.29%
5.29%
4.41%
3.52%
2.91%
Bank Net Profit (in '000') Market Share (%)
LAXMI 250,065
Nepal Bank 188,586
GLOBAL 172,292
Prime Bank 171,117.6
SBL 148,251
Grand 141,153
Bank of Asia 117,350
NCCB 115,297
LUMBINI 107,899
Citizen Bank 100,438
KBL 85,963
2.76%
2.08%
1.90%
1.89%
1.63%
1.56%
1.29%
1.27%
1.19%
1.11%
0.95%
Bank Net Profit (in '000') Market Share (%)
Sunrise Bank 79,451 0.88%
Sanima Bank 78,337 0.86%
NMB 69,202 0.76%
Janata 43,783 0.48%
Mega 40,023 0.44%
Civil Bank 6,742 0.07%
MBL 6,688 0.07%
C&T Bank 3,945 0.04%
Century Bank -36,206 -0.40%
KIST -153,739 -1.69%
Table 1: Net Profit of Commercial Banks (Figure in 000)
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Market Share (%)

ADBNL NABIL SCB NIBL EBL RBB HBL NBBL BOK NSBI NIC LAXMI Nepal Bank GLOBAL
During the review period, Mega Bank Limited has highest net profit growth rate i.e. 189.02 percent compared to corresponding quarter of previous year whereas Century Commercial Bank Limited shows a dismal performance, its profit decreases by 339.37 percent.
Bank Growth Rate (%)
Mega 189.02%
NBBL 144.09%
Janata 83.48%
Grand 21.11%
NABIL 19.64%
Civil Bank 18.82%
ADBNL 13.22%
EBL 12.60%
GLOBAL 9.22%
Sunrise Bank 2.63%
SCB 1.62%
NSBI 0.65%
NCCB -8.48%
LAXMI -10.80%
BOK -11.26%
HBL -14.34%
NIBL -16.53%
NIC -25.95%
Prime Bank -34.51%
MBL -35.56%
SBL -38.10%
Bank of Asia -38.35%
Citizen Bank -42.38%
RBB -47.74%
KBL -52.62%
NMB -60.86%
LUMBINI -62.29%
Nepal Bank -68.40%
C&T Bank -77.52%
KIST -218.18%
Century Bank -339.77%
Table 2: Change in Net Profit of Commercial Bank
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Growth Rate (%)

300.00% 200.00% 100.00% 0.00% -100.00% -200.00% -300.00% -400.00%
Operating Profit:
During the review period, operating profit of the commercial banks decreases by 27.35% at Rs.9.22 billion as compared to corresponding quarter of previous financial year. NABIL Bank Limited has able to earn highest operating profit among all the banks during the review period.
Bank Operating Profit (in'000') Market Share NABIL 1,626,093 SCB 1,233,691 EBL 1,231,809 HBL 887,063 NIBL 850,462 BOK 611,262 NSBI 443,407 NIC 412,095 LAXMI 384,912 GLOBAL 267,618 Prime Bank 261,293.3
17.62%
13.37%
13.35%
9.61%
9.22%
6.62%
4.81%
4.47%
4.17%
2.90%
2.83%
Bank Operating Profit (in'000') Market Share
SBL 232,413
Nepal Bank 226,565
Grand 186,809
Bank of Asia 182,974
LUMBINI 148,068
KBL 131,601
Sanima Bank 123,217
NCCB 96,786
NMB 85,323
Citizen Bank 69,683
Janata 68,722
2.52%
2.46%
2.02%
1.98%
1.60%
1.43%
1.34%
1.05%
0.92%
0.76%
0.74%
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Bank Operating Profit (in'000') Market Share
Mega 62,323
NBBL 28,683
RBB 17,878
Civil Bank 10,594
C&T Bank 6,198
Century Bank -36,799
MBL -53,682
Sunrise Bank -60,691
KIST -154,317
ADBNL -231,012
0.68%
0.31%
0.19%
0.11%
0.07%
-0.40%
-0.58%
-0.66%
-1.67%
-2.50%
Table 3: Operating Profit of Commercial Banks (Figure in 000)
Mega Bank Limited has a highest growth rate of 186.52% whereas Century Commercial Bank Limited suffers a significant decline in operating profit.
Mega 186.52% Civil Bank 155.13% Janata 82.83% EBL 12.60% NABIL 11.85% GLOBAL 7.90% Grand 2.00% SCB -2.81% HBL -3.41% NSBI -3.47% BOK -8.74% LAXMI -11.93%
NIC -24.04%
LUMBINI -33.28%
MBL -33.71%
ADBNL -34.57%
Prime Bank -35.80%
SBL -38.01%
Bank of Asia -38.83%
NIBL -41.73%
NCCB -42.95%
KBL -49.51%
NBBL -62.66%
NMB -66.61%
Nepal Bank -69.80%
Citizen Bank -73.96%
C&T Bank -77.52%
RBB -98.07%
Sunrise Bank -150.07%
KIST -176.58%
Century Bank -37,269.69%
Table 4: Change in Operating Profit of Commercial Bank
Net Interest Income (NII):

Net interest income (NII) is the difference between revenues generated by interest-bearing assets and the cost of servicing (interest-burdened) liabilities. The major source of earning of commercial banks is net interest income. Due to higher lending rate and subsequent increment on the yield on asset, total Net Interest Income of the banking industry has decline by meager 2.57% during the review period. This shows that despite of higher cost of funds, commercial banks have been able to maintain NII and didnt let to decline as much as of net profit. During the review period, Century Commercial Bank Limited has able to increase highest net interest income where as Machhapuchchhre Bank Limited NII declined most among all the commercial banks.
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Bank
Change In Net Interest Income (Increase)
Bank
Change In Net Interest Income (Decrease)
Century Bank
476.03% Nepal Bank -22.15% Civil Bank 165.29% Sunrise Bank -26.55% Mega KIST 61.87% -29.32% Janata 33.63% NBBL -37.43% C&T Bank 32.19% MBL -45.24% Table 5: Change (increase/decrease) in Net Interest Income (%) of Top 5 Commercial Banks
Deposits:
The deposits of commercial banks as of third quarter of the current fiscal year have increased by 20.95% to Rs.783.47 billion compared to same period of last fiscal year. Increase in deposit figure clearly depicts that the overall banking sector liquidity problem have eased down immensely. Presently inter-bank lending rates are almost nil which again indicates that commercial banks have excess liquidity reserve with them. Rastriya Banijaya Bank Limited has largest amount of deposits among all commercial banks whereas Nabil Bank Limited leads the race among all banks excluding government holding banks. During the review period, Century Commercial Bank Limited has the highest growth rate of deposit at 915.55% whereas as Standard Chartered Bank Limited has lowest growth rate of 1.20% among all the commercial bank.
Bank Total Deposit (Rs.) Market Share (%) Rank
RBB NABIL NIBL NSBI Nepal Bank
79,811,245 10.19% 54,628,915 6.97% 54,287,506 6.93% 52,234,858 6.67% 48,917,632 6.24% Table 6: Total Deposits of Top Five Commercial Banks (Figure in 000)
1 2 3 4 5
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80000000 60000000 40000000 20000000 0 RBB NABIL NIBL
NSBI
Nepal Bank
Bank
Change in Deposit (Increase)
Bank
Change In Deposit (Decrease) 10.26% 7.60% 3.52% 3.03% 1.20%
Century Bank Civil Bank Mega Janata C&T Bank
915.55% Citizen Bank 291.68% LUMBINI 174.52% Bank of Asia 173.76% MBL 134.94% SCB Table 7: Change (increase/decrease) in Deposits (%) of Top 5 Commercial Banks
Loan and Advances:

Loan and advances have increased by 10.65% at Rs.571.95 billion during the review period. As compared to increment of deposits, growth rate of loans and advances is less. This indicates that commercial banks were unable to find appropriate/required clients for lending their excess liquidity in the market. Century Commercial Bank Limited has highest growth rate in lending i.e. 4365.75% whereas Machhapuchchhre Bank Limited has a negative growth (i.e. 14.89%). Most of the new commercial banks have higher lending growth which signals that they have been aggressive than former commercial banks. In total 3 commercial banks real estate loan exposures have stood above 20 percent which is higher than Nepal Rastra Bank set limit. Grand Bank Limited has the highest percentage of loan
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exposure in real estate sector i.e. 22.58% whereas Agriculture Development Bank Limited has the lowest percentage i.e. 0.75%. There is a satisfactory growth in long term loans (term loan) of commercial banks i.e. 8.26% compared to same period of last fiscal year. Maximum money lent for project financing like hydropower projects, industrial projects and other manufacturing and service sectors that can emphatically help in sustainable growth of an economy.
Bank Total Loan and Advances (Rs.) Market Share Rank
NIBL NABIL RBB ADBNL EBL
43,153,935 7.54% 41,589,342 7.27% 37,391,783 6.54% 36,003,510 6.29% 35,340,245 6.18% Table 8: Total Loans & Advances of Top Five Commercial Banks (Figure in 000) Change in Loan and Advances (Increase) Bank Change in Loan and Advances (Decrease)
1 2 3 4 5
Bank
Century Bank Civil Bank C&T Bank Janata Mega
4,365.75% RBB 181.76% NIBL 141.07% Bank of Asia 126.40% NBBL 118.97% MBL Table 9: Change (increase/decrease) in Loan and Advances (%) of Top 5 Commercial Banks Change in Real Estate Loan (Increase) 22.58% 20.67% 20.48% 19.75% 19.45% Bank
Nepal Bank RBB C&T Bank Mega ADBNL
3.26% 1.28% -0.24% -0.95% -14.89%
Bank
Grand SBL Prime Bank NIBL KIST
Change in Real Estate Loan (Decrease) 5.52% 5.06% 3.99% 3.36% 0.75%
Table 10: Change (Increase/decrease) in Real Estate Loan (%) of Top 5 Commercial Banks
Total Provision:
Total loan loss provisions have always been major concern for commercial banks. During the review period loss provision rose by whopping 51.28% as compared to corresponding previous quarter of last fiscal year. The total provision of possible losses stood at Rs.6.22 billion which is a worrying signal for overall banking industry. Troubling real estate sector, plunging share market, deteriorating industrial environment, etc. have made a big impact on general public capacity to pay back their principal and interest on time resulting surge in total loan loss
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provisions of banks. Increased provision has led drastic decrease in net profit of commercial banks this time.
Bank Total Provision (Rs.) Highest 5* Bank Total Provision (Rs.) Lowest 5* 40,278 38,816 33,101 25,733 23,442
ADBNL NIBL RBB NABIL KBL
1,649,827 Mega 615,633 Century Bank 581,613 Civil Bank 516,588 C&T Bank 266,634 Janata Table 11: Total Provision of Commercial Banks (Figure in 000) *In Descending order
Non Performing Loan:

The risks of commercial banks have increased during the review period as compared to same period of previous fiscal year. The average non-performing loans as a percentage of total loans have increased to 2.88 percent from 2.48 percent last year. Out of 32 commercial banks, 5 banks NPA stood above 4% which is considered risky while others maintained below that level. Most of the new commercial banks NPA level is low or zero.
Bank
RBB NBBL ADBNL Nepal Bank KIST
Highest 5*
Bank
Lowest 5* 0.03% 0.00% 0.00% 0.00% 0.00%
10.58% Janata 10.32% Century Bank 8.44% Civil Bank 5.44% C&T Bank 4.81% Mega Table 12: Non Performing Loan (%) of Commercial Banks *In Descending order
Earning per Share (EPS) and Return on Equity (ROE):

The significance of EPS is obvious, as the viability of any business depends on the income it can generate. Earnings per share allow us to compare different companies power to make money. Decrease in net profit has badly hit the EPS of banks this time. During the review period, the annualized EPS of banking industry put up Rs.21.60 compared to Rs.31.95 on same period last fiscal year. Amongst all, only 10 commercial banks have earned above industry average.
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The average return on equity stood up mere 8.61% compared to 10.87% of last fiscal year corresponding period. This shows that commercial banks have not been able to increase their profits in the ratio of growth of their paid up capital. Consequently, investors can expect less return in coming fiscal year.
Bank
EBL RBB NABIL SCB Nepal Bank
Annualized EPS (Rs.) (Highest 5)*
Bank
Annualized EPS (Rs.) (Lowest 5)* 0.74 0.54 0.37 -4.46 -10.24
75.35 Civil Bank 75.28 MBL 74.56 C&T Bank 70.39 Century Bank 66.10 KIST Table 13: Annualized EPS of Commercial Banks * In Descending Order ROE (Highest 5)* Bank ROE (Lowest 5)*
Bank
EBL NABIL SCB NBBL BOK
20.16% C&T Bank 19.90% Century Bank 18.77% Nepal Bank 18.29% KIST 14.12% RBB Table 14: Annualized Return on Equity (%) of Commercial Banks (%) * In Descending Order
0.28% -3.23% -4.67% -7.73% -8.30%
Price to Earnings Ratio:

The P/E gives you an idea of what the market is willing to pay for the companys earnings. The higher the P/E the more the market is willing to pay for the companys earnings. Some investors read a high P/E as an overpriced stock and that may be the case, however it can also indicate the market has high hopes for this stocks future and has bid up the price. The overall average annualized P/E ratio of banking industry is 15.65 which indicate that the current price of commercial banks in secondary market is correctly valued. (P/E Ratio around 10-15 is regarded as correct value as per international standard). (Note: P/E Ratio of Machhapuchchhre Bank Limited is excluded while calculating average annualized P/E ratio)
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Bank
NBBL ADBNL GLOBAL NCCB EBL
Annualized P/E Ratio (Highest 5)*
Bank
Annualized P/E Ratio (Lowest 5)* 30.72 32.46 35.54 37.19 46.81
4.45 NSBI 8.18 Bank of Asia 11.15 KBL 12.74 Citizen Bank 13.00 NMB Table 15: Annualized P/E ratio of Commercial Banks *(Times) (In Ascending Order)
Overall Conclusion:
Escalating cost of operations due to inflationary pressure, exceeding liquidity resulting in lower returns, increasing provision against loan of real estate sectors, unstable socio-political environment and growing local competition have adversely affected the growth and net profit of commercial banks as of 3rd quarter of the current fiscal year 2068/69. Therefore, commercial banks should continuously improve their service standards, analyze each cost component minutely to bring down their cost of operations, introduce new products to drive the market, and carry out cautious approach in business segments especially in credit risk assets. Lacking political stability coupled with slacking economic growth, widening trade deficit, rising inflationary rate and arousing number of defaulters in the banking industry continues to remain the major challenges ahead.
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Last 5 Year Dividend distribution history of Commercial Banks

S.n. 1 Commercial Banks Nepal SBI Bank Limited Particulars Earning Per Share (EPS) Dividend (Including Bonus Share) Cash Dividend 2 Himalayan Bank Limited Earning Per Share (EPS) Dividend (Including Bonus Share) Cash Dividend 3 Siddhartha Bank Limited Earning Per Share (EPS) Dividend (Including Bonus Share) Cash Dividend 4 Sunrise Bank Limited Earning Per Share (EPS) Dividend (Including Bonus Share) Cash Dividend 5 Global Bank Limited Earning Per Share (EPS) Dividend (Including Bonus Share) Cash Dividend 6 Laxmi Bank Limited Earning Per Share (EPS) Dividend (Including Bonus Share) Cash Dividend 7 NMB Bank Limited Earning Per Share (EPS) Dividend (Including Bonus Share) Cash Dividend 8 Standard Chartered Bank Earning Per Share (EPS) Dividend (Including Bonus Share) Cash Dividend 9 Nabil Bank Limited Earning Per Share (EPS) Dividend (Including Bonus Share) Cash Dividend Indicator Rs % % Rs % % Rs % % Rs % % Rs % % Rs % % Rs % % Rs % % Rs % % 2063/64 2006/07 39.35 47.59 12.59 60.66 40 15 15.88 15.79 0.79 -7.94 10.75 37.57 30 30 167.37 130 80 137.08 140 100 2064/65 2007/08 28.33 62.74 45 25 17.29 15.79 0.79 -3.89 8.91 16.45 21.05 1.05 7.28 10.53 131.92 130 80 115.86 100 60 2065/66 2008/09 36.18 42.11 2.11 61.9 43.56 12 22.89 15.79 0.79 6.78 2.63 20.7 5.26 0.26 4.42 109.99 100 50 113.44 85 35 2066/67 2009/10 23.69 17.5 5 31.8 36.84 11.84 21.99 10.03 10.03 16.35 10 10 4.95 5 24.12 13 13 10.65 10.53 10 77.65 70 55 83.81 70 30 2067/68 2010/11 24.85 17.5 5 44.66 36.84 16.84 19.82 15.79 12.79 2.2 4 4 14.06 6.67 5.35 23.25 15.79 10.79 11.08 9 9 69.51 50 50 70.67 30 30
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10
Sanima Bank Limited
Earning Per Share (EPS) Dividend (Including Bonus Share) Cash Dividend
Rs % %
5.86 -
5.6
7.53 5 -
10.63 10 -
7 7
11
Nepal Investment Bank Limited
Rs % % Rs % %
62.57 30 5 78.42 30 10
57.87 40.83 7.5 91.82 30 20
37.42 20 20 99.99 30 30
52.55 25 25 100.16 30 30
48.84 50 25 83.18 30 50
12
Everest Bank Limited
13
Citizens Bank International Limited
Rs % %
-2.75 -
8.79 -
9.58 10 10
19.36 12.63 12.63
9.92 10.53 5.53
14
Prime Commercial Bank Limited
Rs % % Rs % % Rs % % Rs % %
43.5 20 20 16.78 12.63 0.63
4 0.64 59.94 42.11 2.11 4.96 -
20.39 10.526 0.526 6.15 5 5 54.68 47.37 7.37 6.23 9.78 0.26
29.54 20.526 10.526 13.86 10.53 10.53 43.08 30 15 9.07 10.53 0.53
16.04 12.63 12.63 10.49 7.37 7.37 44.51 34.75 16.75 4.64 4.33 0.22
15
Bank of Asia Nepal Limited
16
Bank of Kathmandu Limited
17
DCBL Bank Limited (Grand)
18
Agricultural Development Bank Limited
Rs % %
65.14 -
32.21 -
50.91 -
62.3 -
77.88 -
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19
Century Commercial Bank Limited*
Rs % % Rs % % Rs % % Rs % %
32.07 13.13 5 10
32.91 5.91 5 5
30.31 4.48 3.5 3.5
23.49 7.21 5 5
0.1 29.98 10 0.53 2.7 -
20
Civil Bank Limited
21
Lumbini Bank Limited
22
Kist Bank Limited
23
Machhapuchchhre Bank Limited*
Rs % % Rs % % Rs % %
9.02 24.01 21.05 1.05 22.7 21.05 1.05
10.35 21.05 1.05 25.75 21.05 1.05 16.35 10.53 0.53
8.33 27.83 15.79 0.79 22.04 10.58 0.55
4.96 10 34.3 26.32 26.32 24.24 12 12
37.8 20 20 15.67 8.44 0.44
24
NIC Bank Limited
25
Kumari Bank Limited
26
Commerz and Trust Bank Nepal Limited
Rs % % Rs % % Rs % %
0.69 -
162.62 1.49 2.19 -
27
Mega Bank Limited
28
Janata Bank Limited
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29
Nepal Credit and Commerce Bank Limited
Rs % %
-16.53 -
35.63 -
29.35 -
30.28 -
15.78 -
30
Rastriya Banijaya Bank Limited*
Rs % %
419.65 -
446.13 -
499.27 -
526.08 -
31
Nepal Bangladesh Bank Limited*
Earning Per Share (EPS) Dividend (Including Bonus Share) # Cash Dividend
Rs % % Rs % %
80.16 -
116.01 -
54.9 -
32
Nepal Bank Limited* *
Earning Per Share(EPS) Dividend (Including Bonus Share) Cash Dividend
* Audited Financial report is due of 2067/68 fiscal year. ** Presently its in NRB control and surveillance. AGM is not held since last 10 years.
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Annexure
As of 3 Quarter of the current fiscal year 2068/69. Loan & Advances
8,324,315 2,914,527 6,400,580 4,995,863 8,755,825 6,600,675 14,530,035 12,356,273 10,686,246 11,955,722 14,002,985 18,821,506 13,526,518 15,212,014 19,774,361 16,573,357 16,822,934 13,631,491 15,856,898 6,892,905 11,099,259 18,568,223 35,340,245 10,688,930 25,025,654 34,972,137 18,986,670 43,153,935 41,589,342 36,003,510 37,391,783 28,825,636
rd
(Figure in 000)
Bank Sanima Bank Century Bank Civil Bank C&T Bank Mega Janata KIST NMB Grand Bank of Asia Sunrise Bank Prime Bank Citizen Bank GLOBAL SBL LAXMI KBL MBL NIC LUMBINI NCCB BOK EBL NBBL NSBI HBL SCB NIBL NABIL ADBNL RBB Nepal Bank
Paid Up Capital
2,016,000 1,080,000 1,200,000 1,400,000 1,631,000 1,400,000 2,000,000 2,000,000 2,000,000 2,000,000 2,015,000 2,245,746 2,101,840 1,601,452 1,619,244 1,694,081 1,603,800 1,627,197 1,311,552 1,430,000 1,400,000 1,604,187 1,391,570 2,009,396 2,093,990 2,400,000 1,610,168 3,012,924 2,029,769 9,474,300 1,172,300 380,383
Reserve
181,027 41,812 11,342 27,277 120,551 120,658 -10,405 281,830 259,037 271,793 210,513 413,142.8 232,505 280,318 518,180 669,843 696,001 161,926 950,348 527,069 462,371 1,231,464 2,508,390 615,120 1,047,069 2,165,766 291,7657 2,949,391 3,673,580 4,861,122 -9,143,609 -4,416,074
Deposit
9,131,282 2,983,619 7,030,769 5,309,788 9,506,189 6,887,220 18,831,780 14,913,361 11,953,091 13,976,373 17,655,939 21,134,650 15,289,515 18,947,604 23,491,255 19,670,876 20,665,627 18,143,842 19,944,549 7,053,476 14,179,894 22,278,787 45,983,008 13,556,309 52,234,858 47,001,692 36,143,205 54,287,506 54,628,915 41,065,101 79,811,245 48,917,632
Net Profit
78,337 -36,206 6,742 3,945 40,023 43,783 -153,739 69,202 141,153 117,350 79,451 171,117.6 100,438 172,292 148,251 250,065 85,963 6,688 263,554 107,899 115,297 400,464 786,414 480,020 319,006 570,228 850,048 801,005 1,135,194 1,145,943 661,939 188,586
Networth Per Share

108.97 103.87 100.94 101.94 107.39 108.61 99.47 114.09 112.95 113.58 110.44 118.39 111.06 117.50 132.00 139.54 143.39 109.95 172.45 136.85 133.02 176.76 280.25 130.61 150.00 190.24 281.20 197.89 280.98 151.30 -679.97 -1060.95
P/E Ratio
0 0 0 0 0 0 -16.78 46.81 23.91 32.46 29.67 26.96 37.19 11.15 27.76 17.27 35.54 195.24 20.37 25.34 12.74 18.38 13.00 4.45 30.72 20.64 27.02 14.75 17.46 8.18 0 0
Return on Asset
0.68% -0.87% 0.08% 0.06% 0.32% 0.49% -0.71% 0.39% 0.97% 0.63% 0.39% 0.69% 0.53% 0.79% 0.56% 1.08% 0.36% 0.03% 1.13% 1.15% 0.68% 1.45% 1.51% 2.71% 0.56% 1.03% 2.03% 1.25% 1.77% 1.69% 0.79% 0.34%
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Corporate Clients
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A Comparative Study of Commercial Banks

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A Comparative Study of Commercial Banks

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Q3 Analysis on Commercial Banks