With 79.91% Increment in Net Profit, Civil Bank Reports Higher Bottom Line Growth in Q3
Wed, Apr 20, 2022 4:47 PM on Company Analysis, Latest,
Civil Bank Limited has published a third-quarter report of FY 2078/79 and has reported an increase in net profit by 79.91 % as compared to the previous period.
It accumulated a net profit of Rs.90.41 Crores in Q3 which was Rs. 50.25 Crores in the same period of last fiscal year. Likewise, the bank has free profit after statutory adjustments of Rs.42.68 Crores which can be distributed as a dividend to its shareholders.
Major indicators
- Earnings per share (EPS): Rs.13.28
- Net worth per share: Rs. 127.52
- Price to Earnings ratio: 16.34 Times
- Capital adequacy: 15.81 %
- Cost of fund: 7.21%
- Base Rate: 9.94%
|
Particulars (In Rs '000") |
Civil Bank Limited |
||
|---|---|---|---|
|
Q3 2078/79 |
Q3 2077/78 |
Difference |
|
|
Share Capital |
9,075,844 |
8,643,661 |
5.00% |
|
Share Premium |
0 |
0 |
|
|
Retained Earnings |
942,896 |
493,702 |
90.98% |
|
Reserves |
1,554,346 |
1,556,347 |
-0.13% |
|
Deposits from Customers |
90,704,099 |
88,634,877 |
2.33% |
|
Loans & Advances to Customers |
83,936,172 |
79,037,697 |
6.20% |
|
Net Interest Income |
2,455,287 |
1,540,386 |
59.39% |
|
Impairment Charge/(Reversal) |
25,531 |
177,331 |
-85.60% |
|
Personnel Expenses |
1,015,183 |
765,391 |
32.64% |
|
Operating Profit |
1,303,873 |
681,060 |
91.45% |
|
Profit/(Loss) for the Year |
904,123 |
502,555 |
79.91% |
|
Distributable Profit/ (Loss) after P/L Appropriation and Regulatory Adjustments |
426,882 |
|
|
|
Capital Adequacy Ratio (CAR) |
15.81 |
11.43 |
38.32% |
|
NPL |
0.99 |
1.13 |
-12.39% |
|
Credit to Deposit Ratio (CD Ratio) |
90.2 |
80.3 |
12.33% |
|
Cost of Fund (%) |
7.21 |
6.61 |
9.08% |
|
Interest Rate Spread (%) |
3.85 |
3.38 |
13.91% |
|
Base Rate (%) |
9.94 |
7.92 |
25.51% |
|
EPS (In Rs.) |
13.28 |
7.75 |
71.34% |
|
Net Worth per Share (In Rs.) |
127.52 |
123.72 |
3.07% |
|
Qtr End PE Ratio (times) |
16.34 |
- |
- |
|
Qtr End Market Price |
217 |
- |
- |
