Comparison of NABIL and NIC Asia banks

Comparison of NABIL and NIC Asia banks

Nabil Bank Limited (NABIL) and NIC Asia Bank Limited (NICA) both are shareholder-desired scripts listed on Nepal Stock Exchange. Comparison of NABIL and NIC Asia banks

 They are strong in terms of earning as well as building the brand in the market.

The Share capital of NABIL is Rs. 27.05 arba and Rs. 11.56 arba of NICA. In terms of reserve and surplus, NABIL bank has Rs. 25.57 Arba and NIC Asia Bank has Rs. 12.89 Arba. 

They have collected a huge amount from Customers. NIC Asia Bank has collected Rs. 305 Arba and Nabil Bank have collected Rs. 347 Arba. Similarly, loans and advances of the NIC Asia and Nabil Bank are Rs. 256 arba and 315 Arba respectively. 

In this Quarter, NICA earned more net interest income which is Rs. 9.21  arba whereas NABIL earned Rs. 12.10  arba . 

The book value of the NABIL and NICA is Rs. 201.07 and Rs. 248.88 respectively. Similarly, the non-performing loan of the Nabil Bank is 3.87% and NIC Asia Bank is 0.85%.

Comparison of NABIL and NIC Asia banks

Following are the details information.

Particulars “000”Nabil BankNIC Asia Bank
Paid-up Capital27,056,997.0011,564,005.00
Retained Earnings3,961,099.003,698,834.03
Reserve27,070,722.0014,388,438.39
Deposits from Customers396,843,499.00311,367,922.42
Loans and Advances to Customers332,698,854.00262,098,740.71
Net Interest Income17,983,210.0012,371,164.31
Impairment Chage/ (Reversal)3,889,529.00394,197.09
Personnel Expense4,692,669.004,995,499.81
Operating Profit11,016,010.006,827,332.94
Profit/ (Loss) for the year7,527,149.004,651,338.48
Distributable Profit / Loss3,961,099.003,698,834.03
Capital Adequacy Ratio (CAR)12.6613.99
NPL1.230.80
CD Ratio87.6883.55
Cost of fund7.817.67
Interest Rate Spread4.993.99
Base Rate9.529.98
EPS27.8240.22
Book Value214.69256.41

Note: Data are taken from the 3rd quarter unaudited report of Nabil Bank.

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