Top 5 Development Banks of Nepal

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There are 16 developments banks listed in Nepal, licensed from Nepal Rastra Bank. We have analyzed Top 5 Development Banks of Nepal.

Due to Covid financial institutions are facing a difficult time with the liquidity to provide extended loans. This might hamper the core income of financial institutions which is interest income. But development banks are doing good business so far.

There is total of 16 development banks in Nepal. Out of which, 8 banks are national level and the remaining 8 are regional level.

We have done this analysis on the basis paid up capital, reserve, book value, net profit, etc

Paid up capital

If we look after the paid-up capital of the company, Muktinath Bikas Bank Limited (MNBBL) has the highest capital. MNBBL has paid up capital of Rs. 5.65 Arba.

It is followed by Garima Bikas Bank Limited (GBBL) and Jyoti Bikas Bank Limited (JBLB). Paid capital of the company is Rs. 4.57 Arba and Rs. 4.26Arba respectively.

Following are the top 5 banks on the basis of paid-up capital.

MNBBL: Rs. 5.65 Arba
GBBL: Rs. 4.57 Arba
JBBL: Rs. 4.26 Arba
MLBL: Rs. 4.01 Arab
SHINE: Rs. 3.78 Arba

Net Profit

As per the fourth-quarter report, Muktinath Bikas Bank Limited (MNBBL) has earned the highest net profit in the first 3 months of the fiscal year 2079/80. It has earned Rs. 30.70 crore

Similarly, Shine Resunga Bikas Bank Limited (Shine) and Garima Bikas Bank Limited (GBBL) have earned second and third highest net profits in 3 months. They have earned Rs. 20.90 crore and Rs. 19.33 crore respectively.

Following are the top 5 banks on the basis of net profit earned

MNBBL: Rs. 30.70 crore
SHINE: Rs. 20.90 crore
GBBL: Rs. 19.33 crore
MLBL: Rs. 11.93 crore
JBBL: Rs. 10.00 crore

Reserve and Surplus

lumbini Bikas Bank Limited (LBBL) is the development bank with highest reserve and surplus. It has a reserve of Rs. 2.54 Arba.

Similarly, Muktinath Bikas Bank Limited (MNBBL) and Mahalaxmi Bikas Bank Limited (MLBL) are in second and third position. They have kept profit as a reserve and a surplus of Rs. 2.44 Arba and Rs. 2.42 Arba.

Note: Reserve and Surplus include share premium, retained earning, and reserve.

Following are the top 5 banks on the basis of reserve and surplus

LBBL: Rs. 2.54 Arba
MLBL: Rs. 2.44 Arba
MNBBL: Rs. 2.42 Arba
GBBL: Rs. 2.15 Arba
SHINE: Rs. 1.81 Arba

Deposits

In first 6 month, Muktinath Bikas Bank Limited (MNBBL) has collected the highest deposit from the customer. Their collection is Rs. 105.56 arba.

Similarly, Garima Bikas Bank Limited (GBBL) and Jyoti Bikas Bank Limited (JBBL) are in second and third positions. Their collection from the customer is Rs. 68.97 Arba and Rs. 53.92 Arba.

Following are the top 5 banks on the basis of deposits from the customer

MNBBL: Rs.105.56 Arba
GBBL: Rs. 68.97 Arba
JBBL: Rs. 53.92 Arba
SADBL: Rs. 49.97Arba
KSBBL: Rs. 47.48 Arba

Loans and Advance

Muktinath Bikas Bank Limited (MNBBL) has given the highest loans and advances to its customer. They have provided Rs. 88.03 Arba as loans and advance.

Similarly, Garima Bikas Bank Limited (GBBL) and Jyoti Bikas Bank Limited (JBBL) are in second and third position for giving loans and advances to its customer. It has given Rs. 59.86 Arba and Rs. 48.60 Arba.

Following are the top 5 banks on the basis of loans and advances given to its customer

MNBBL: Rs. 88.03 Arba
GBBL: Rs. 59.86 Arba
JBBL: Rs. 48.60 Arba
KSBBL: Rs. 42.78 Arba
SADBL: Rs. 42.14 Arba

Net Interest Income

In 3 months, Muktinath Bikas Bank Limited (MNBBL) top the list of earning highest net interest income. It has earned Rs. 102.39 crore so far.

Similarly, Garima Bikas Bank Limited (GBBL) and Kamana Sewa Bikas Bank Limited (KSBBL) are in second and third positions. They have earned net profit of Rs.79.62 crore and Rs. 59.64 crore respectively.

Following are the top 5 banks on the basis of net interest income.

MNBBL: Rs. 102.39 crore
GBBL: Rs. 79.62 crore
JBBL: Rs. 59.64 crore
MLBL: Rs. 53.06 crore
KSBBL: Rs. 52.23 crore

Earnings Per Share (EPS)

Shine Resunga Bikas Bank Limited (SHINE) has topped the list in terms of annualized EPS amounting to Rs. 22.12 per share.

Similarly, Muktinath Bikas Bank Limited (MNBBL) has the second highest annualized EPS of Rs. 21.74 per share. Garima Bikas Bank Limited (GBBL) comes in third position with EPS of Rs. 16.84 per share.

Following are top 5 banks on the basis of annualized EPS

SHINE: Rs. 22.12
MNBBL: Rs. 21.74
GBBL: Rs. 16.84
MLBL: Rs. 11.90
MDB: Rs. 11.35

Net Worth Per Share

As per the report, Mahalaxmi Bikas Bank limited (MNBBL) has the highest Net Worth Per share of Rs. 178.4.

Similarly, lumbini Bikas Bank Limited (LBBL) and Garima Bikas Bank Limited (GBBL) are in second and third position. Their net worth per share is Rs. 168.68 and Rs. 154.14.

Following are top 5 banks on the basis of net worth per share

LBBL: Rs. 174.02
MLBL: Rs.161.02
GBBL: Rs. 147.42
MNBBL: 148.52
SHINE: Rs.148.05

Note: All these data are presented for educational purpose only.

Full Forms

MNBBL: Muktinath Bikas Bank Limited

KSBBL: Kamana Sewa Bikas Bank Limited

GBBL: Garima Bikas Bank Limited

SHINE: Shine Resunga Development Bank Limited

MLBL: Mahalaxmi Bikas Bank Limited

JBLB: Jyoti Bikas Bank Limited

LBBL: Lumbini Bikas Bank Limited.

This abbreviation is used in above mention article. This can be useful for those who do not know the full form of banks.

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