Agricultural Development Bank Limited (ADBL)

Agricultural Development Bank (ADBL) Annual Balance Sheet

Particulars2079207820772076207520742073
Cash and cash equivalent6,559,900,76710,636,731,9238,489,432,16711,500,752,52311,227,273,79212,252,208,07413,689,269,833
Due from Nepal Rastra Bank6,208,948,7469,740,613,30812,567,111,1664,993,659,8338,270,666,8789,929,595,6254,711,222,554
Placement with Bank and Financial Institutions127,900,0004,117,575,0005,007,605,9802,858,700,000---
Derivative financial instruments103,880,00070,862,400133,762,200118,552,200---
Other trading assets1,047,488,9781,666,533,70317,422,939----
Loan and advances to B/FIs4,123,680,396113,668,1541,137,559,4511,285,268,937495,000,000--
Loans and advances to customers173,314,972,381150,598,355,820121,849,394,269109,467,841,999100,030,112,26093,184,410,15584,080,371,550
Investment securities45,922,116,89937,879,949,36824,422,064,12116,846,608,52012,246,645,4439,568,494,6457,340,593,852
Current tax assets966,315,7601,214,561,127897,717,791206,423,34067,138,8349,522,562
Investment in subsidiaries28,840,00028,840,00028,840,00028,840,00028,840,00028,840,00028,840,000
Investment in associates69,384,00069,384,00069,384,00069,384,00069,384,00069,384,00069,384,000
Investment property252,592,246198,284,843220,925,902258,423,496240,313,081312,104,309192,827,508
Property and equipment2,225,084,1721,480,615,0901,293,544,8271,264,192,2761,213,597,4031,108,144,1151,171,265,297
Goodwill and Intangible assets229,766,704262,005,147289,802,78969,398,74650,011,7263,660,8254,881,100
Deferred tax assets52,152,028-
Other assets4,951,219,8594,362,369,3612,895,650,6242,606,951,0011,547,770,1051,766,206,1742,613,493,285
Total Assets246,184,242,937222,440,349,244179,320,218,226151,574,996,872135,419,614,689128,290,186,757113,911,671,541
Due to Bank and Financial Institutions7,998,742,407175,324,116103,132,518478,369,715551,886,896300,932,693450,276,480
Due to Nepal Rastra Bank9,781,708,3108,716,363,1619,670,49438,424,211195,156,104203,474,72046,299,160
Derivative financial instruments-------
Deposits from customers166,590,266,216162,814,930,677143,628,524,817118,884,923,356104,216,459,61799,515,339,44986,936,878,467
Borrowing1,777,211,512538,529,94410,937,37660,917,808360,447,613464,458,672514,439,855
Current Tax Liabilities---156,230,258
Provisions----
Deferred tax liabilities-327,591,236177,084,440113,614,715139,362,45426,526,233248,288,140
Other liabilities6,210,241,9913,886,280,8144,425,332,4683,508,781,2902,881,767,0613,265,123,2923,880,722,287
Debt securities issued20,469,037,52914,476,211,5572,494,649,108-460,000,000920,000,0001,380,000,000
Subordinated Liabilities----
Total Liabilities212,827,207,965190,935,231,505150,849,331,221123,085,031,095108,961,310,003104,695,855,05993,456,904,389
Share capital18,620,627,76316,422,641,80214,989,172,69814,448,240,96013,937,928,00012,520,392,00010,374,400,000
Share premium540,826,597
Retained earnings3,521,792,3083,654,511,9802,342,124,8533,558,323,0022,598,638,4143,412,354,6773,158,349,450
Reserves11,214,614,90111,427,963,95711,139,589,45410,483,401,8159,921,738,2727,120,758,4246,922,017,702
Total Equity33,357,034,97131,505,117,73928,470,887,00528,489,965,77726,458,304,68623,594,331,69820,454,767,152
Total Liabilities and Equity246,184,242,937222,440,349,244179,320,218,226151,574,996,872135,419,614,689128,290,186,757113,911,671,541

Agricultural Development Bank (ADBL) Annual Income Statement

Particulars207920782077207620752074
Interest income19,582,603,30915,124,046,10415,821,701,19815,480,122,10513,603,751,75011,210,152,686
Interest expense11,226,663,8008,258,328,1349,105,579,9267,865,130,4466,966,285,9824,224,871,172
Net interest income8,355,939,5096,865,717,9706,716,121,2727,614,991,6596,637,465,7686,985,281,514
Fees and commission income1,464,286,1321,612,950,2361,901,633,6591,081,481,421949,765,312939,207,607
Fees and commission expense56,186,38746,882,57325,812,96911,012,3586,055,6923,898,730
Net fee and commission income1,408,099,7441,566,067,6631,875,820,6901,070,469,063943,709,620935,308,877
Net interest, fee and commission income9,764,039,2538,431,785,6338,591,941,9628,685,460,7227,581,175,3877,920,590,392
Net trading income-232,458,124994,296,864392,175,906318,873,266188,129,126137,768,271
Other operating income234,762,916452,412,58435,931,07918,897,94945,980,244507,409,454
Total operating income9,766,344,0469,878,495,0819,020,048,9479,023,231,9377,815,284,7588,565,768,116
Impairment charge/(reversal) for loan and other losses992,764,740121,425,257517,221,877-289,846,557.53-822,352,826636,667,048
Net operating income8,773,579,3069,757,069,8248,502,827,0709,313,078,4948,637,637,5847,929,101,069
Personnel expense3,823,916,2993,313,869,5703,025,470,1442,928,862,064.563,060,562,4313,210,422,793
Other operating expense872,306,7751,130,197,419942,161,089876,305,524712,317,761686,720,728
Depreciation & Amortisation472,951,148275,686,160216,593,059166,192,588.00131,930,099153,777,205
Operating Profit3,604,405,0845,037,316,6764,318,602,7785,341,718,3174,732,827,2923,878,180,343
Non operating income87,530,84828,240,91681,282,615382,280,672.47235,825,089269,937,252
Non operating expense51,546,5543,214,01539,48004,320,3923,397,278
Profit before income tax3,640,389,3775,062,343,5764,399,845,9145,723,998,9904,964,331,9894,144,720,317
Income tax expense1,414,623,4291,534,806,6701,068,108,3391,532,408,3541,522,008,1931,171,439,780
Current Tax1,684,696,2311,344,771,5731,027,222,6231,565,726,6641,500,231,5481,188,028,466
Deferred Tax-270,072,802190,035,09740,885,715-33,318,31021,776,646-16,588,686
Profit for the period2,225,765,9483,527,536,9063,331,737,5754,191,590,6353,442,323,7962,973,280,536
Gains/(losses) from investments in equity instruments measured at fair value-93,502,916482,946,212100,761,315149,241,621303,531,920-683,910,739
Gains/(losses) on revalution
Actuarial gains/(losses) on defined benefit plans54,776,686-614,707,215-939,303,981-304,289,319-390,253,274-401,108,093
Income tax relating to above items11,617,86939,528,301-30,228,394-44,772,486-91,059,576205,173,222
Net other comprehsive income that will not be reclassified to profit or loss-27,108,361-92,232,702-868,771,061-199,820,184-177,780,930-879,845,610
Gains/(losses) on cash flow hedge------
Exchange gains/(losses) (arising from translating financial assets of foreign operation)------
Income tax relating to above items------
Net other comprehsive income that are or may be reclassified to profit or loss------
Other Comprehensive Income For The Period, Net Of Income Tax-27,108,361-92,232,702-868,771,061-199,820,184-177,780,930-879,845,610
Total Comprehensive Income For The Period2,198,657,5873,435,304,2042,462,966,5153,991,770,4513,264,542,8662,093,434,926

Agricultural Development Bank (ADBL) Annual Cash Flow Statement

Particulars207920782077207620752074
CASH FLOW FROM OPERATING ACTIVITIES
Interest Received19,969,318,08615,510,760,88215,086,779,69115,413,895,38013,847,210,00111,339,870,649
Fees and other income received1,464,286,1321,612,950,2362,294,269,1821,081,481,421949,765,312939,207,607
Dividend received
Receipts from other operating activities480,716,6551,437,240,35190,641,553704,568,643447,239,803902,850,241
Interest paid-10,470,694,967-8,397,307,953-9,296,216,937-7,437,528,820-7,103,406,765-4,536,681,023
Commission and fees paid-56,186,387-46,882,573-25,812,969-11,012,358-6,055,692-3,898,730
Cash payment to employees-3,832,845,856-3,543,985,926-3,571,174,287-3,135,240,363-3,230,890,357-3,326,484,462
Other expense paid-931,027,357-1,695,237,385-946,918,490-856,217,812-1,231,779,006-1,091,659,280
Operating cash flows before changes in operating assets and liabilities6,623,566,3054,877,537,6313,631,567,7435,759,946,0903,672,083,2964,223,205,002
(Increase)/Decrease in operating assets
Due from Nepal Rastra Bank3,531,664,5622,826,497,858-7,573,451,3323,277,007,0451,658,928,747-5,218,373,072
Placement with bank and financial institutions3,989,675,000890,030,979-2,148,905,979-2,858,700,000--
Other trading assets26,479,947-1,649,110,764-17,882,556---
Loan and advances to bank and financial institutions-4,050,517,4171,034,233,634149,201,501-798,251,451-495,000,000-
Loan and advances to customers-24,109,898,307.53-29,244,802,863-12,658,332,790-10,392,194,779-6,393,196,409-9,974,337,343
Other assets-621,868,098-1,403,061,800-303,909,623-329,584,587349,452,455821,328,874
Total-21,234,464,313-27,546,212,956-22,553,280,780-11,101,723,773-1,207,731,911-10,148,176,539
Increase/ (Decrease) in operating liabilites
Due to bank and financial institutions7,823,418,29172,191,598-375,237,198-73,517,181250,954,203-149,343,787
Due to Nepal Rastra Bank1,065,345,1498,706,692,667-28,753,717-156,731,893-8,318,616157,175,560
Deposit from customers3,775,335,53919,186,405,85924,743,601,46114,705,963,2144,701,120,16812,578,460,982
Borrowings1,238,681,568527,592,568-49,980,432-299,529,805-104,011,059-49,981,183
Other Liabilities1,855,159,200-505,791,209850,151,08920,943,714-75,907,522-187,727,475
Net cash flow from operating activities before tax paid1,147,041,7395,318,416,1606,218,068,1678,855,350,3673,556,105,2622,200,407,558
Income taxes paid-1,436,450,864-1,661,615,409-1,718,517,074-1,928,380,262-1,276,862,456-1,245,644,738
Net cash flow from operating activities (A)-289,409,1253,656,800,7514,499,551,0926,926,970,1042,279,242,807954,762,820
CASH FLOWS FROM INVESTING ACTIVITIES
Purchase of investment securities-8,498,458,959-14,612,258,982-7,571,294,104-7,684,872,078-2,390,761,539.91-183,968,274
Receipts from sale of investment securities362,788,5131,563,096,98796,599,8183,026,677,35516,142,662-2,727,843,258
Purchase of property and equipment-1,279,788,111-436,445,345-198,751,194-207,869,502-448,851,601.38-281,961,742
Receipt from the sale of property and equipment151,251,20453,901,37012,458,612333,274220,864,824.93192,525,994
Purchase of intangible assets-56,639,075-52,414,804-279,437,505-28,621,469-55,747,512
Receipt from the sale of intangible assets
Purchase of investment properties
Receipt from the sale of investment properties37,497,59429,404,439192,051,300
Interest received
Dividend received198,531,20437,710,01326,003,01014,714,82622,694,65612,264,736
Net cash used in investing activities (B)-9,122,315,225-13,446,410,762-7,876,923,769-4,850,233,154-2,443,607,211-2,988,982,544
CASH FLOWS FROM FINANCING ACTIVITIES
Receipt from issue of debt securities6,000,000,00012,000,000,0002,500,000,000
Repayment of debt securities-460,000,000-460,000,000-460,000,000
Receipt from issue of subordinated liabilities
Repayment of subordinated liabilities
Receipt from issue of shares1,505,538,597
Dividends paid-665,106,806-63,090,234-2,133,947,678-1,343,258,219-400,569,878-448,380,632
Interest paid
Other receipt/payment-
Net cash from financing activities (C)5,334,893,19411,936,909,766366,052,322-1,803,258,219-860,569,878597,157,965
Net increase (decrease) in cash and cash equivalents-4,076,831,1562,147,299,755-3,011,320,356273,478,731-1,024,934,282-1,437,061,759
Cash and cash equivalents at Shrawan 01 (beginning of the year)10,636,731,9238,489,432,16711,500,752,52311,227,273,79212,252,208,07413,689,269,833
Effect of exchange rate fluctuations on cash and cash equivalents held
Cash and cash equivalents at Asar end (end of the year)6,559,900,76710,636,731,9228,489,432,16711,500,752,52311,227,273,79212,252,208,074