Comparison of CBBL and DDBL

We have done analysis of Comparison of CBBL and DDBL. These two are the leading commercial microfinance in Nepal.

Comparison is on the basis of factors such as share capital, reserve and surplus, EPS, NPL, and many more of the third quarter report of FY 2079/80. Following is the company’s basic information.

CBBL

It was incorporated in December 2001. CBBL got a license from Nepal Rastra Bank (NRB ) in January 2002. Microfinance is operated by Neighborhood Society Service Centre (NSSC) ( a National Level NGO). It has 137 branches in 66 districts with 1116 staff.

DDBL:

It is the D-class bank and financial institution of Nepal licensed by Nepal Rastra Bank. Nabil bank, Nepal Bank, Agricultural bank, Lumbini bikes bank, and other banks have experience in the banking sector for more than 15 to 20 years. The authorized capital of the company is Rs 2 billion and paid up capital is Rs. 1.387 billion.

Comparison of CBBL and DDBL

Following are the financial highlights.

Particulars “000”	CBBL	DDBL
Paid Up Capital	Rs. 2,876,369.83	Rs. 1,526,248.17
Reserve	Rs. 3,704,152.20	Rs. 1,733,531.65
Borrowings	Rs.5,056,582.11	Rs. 8,179,034.62
Deposits	Rs. 30,222,831.71	Rs. 8,759,740.26
Loans and Advances	Rs. 32,695,321.12	Rs. 18,911,587.85
Net interest Income	Rs. 2,117,056.52	Rs. 940,957.11
Personnel Expense	Rs. 778,457.78	Rs. 459,543.34
Impairment Charge	Rs. 24,409.35	Rs. 46,052.00
Net profit	Rs. 880,659.58	Rs. 277,582.67
Distributable profit	Rs. 1,306,248.75	Rs. 580,257.10
CAR	17.35%	14.05 %
NPL	1.19%	4.49%
EPS	40.82	Rs. 24.25
Net Worth Per Share	228.78	Rs. 213.58