Citizens Bank International Limited (CZBIL)

Citizens Bank Limited (CZBIL) Annual Balance Sheet

Particulars207920782077207620752074
Cash and cash equivalent17,892,741,27011,563,041,72010,841,972,9306,740,702,4605,046,237,6763,887,468,818
Due from Nepal Rastra Bank4,266,508,0533,796,487,7972,430,001,1282,596,966,8893,690,192,2932,190,896,703
Placement with Bank and Financial Institutions1,233,631,4572,874,874,811302,681,924394,769,8931,989,878,3581,568,014,418
Derivative financial instruments2,659,08947,007,4981,029,49744,104,43236,385,94421,975,955
Other trading assets327,340,379596,888,93790,624,023567,253,47976,236,44651,442,831
Loan and advances to B/FIs3,299,919,6023,247,166,9531,534,103,5481,581,899,1901,420,646,1971,467,126,976
Loans and advances to customers131,344,327,079118,912,042,28878,976,395,24562,911,970,48455,601,766,58046,021,501,436
Investment securities28,153,425,96822,017,422,07511,828,332,56210,822,603,5515,616,858,3026,785,605,921
Current tax assets348,140,704288,457,633142,488,50214,624,427114,653,791300,791,522
Investment in subsidiaries167,204,200167,204,200167,204,200167,204,200117,200,00067,000,000
Investment in associates375,645,49116,000,00018,951,50017,951,50017,951,50031,751,500
Investment property208,645,871141,146,454195,532,789222,547,153287,547,060390,066,062
Property and equipment3,704,207,3282,880,204,0842,554,050,1772,302,848,7112,121,592,8541,758,546,430
Goodwill and Intangible assets196,840,18883,562,29075,322,68993,353,42770,534,0318,066,489
Deferred tax assets---20,235,997--
Other assets2,891,413,8361,697,543,6761,391,992,0081,622,327,7601,502,271,9621,331,359,117
Total Assets194,412,650,515168,329,050,416110,550,682,72290,121,363,55377,709,952,99465,881,614,179
Due to Bank and Financial Institutions4,063,054,7852,765,001,9543,688,903,9543,926,662,4703,335,288,5322,501,906,804
Due to Nepal Rastra Bank11,070,250,8681,205,558,824567,577,0821,212,586,471695,041,37033,578,077
Derivative financial instruments------
Deposits from customers152,801,490,371140,638,411,48488,496,228,46470,509,084,64960,696,026,97251,716,674,652
Borrowing------
Current Tax Liabilities------
Provisions5,306,6265,306,6265,306,6265,306,6265,306,626-
Deferred tax liabilities63,308,934217,486,29013,613,542-17,677,49985,192,158
Other liabilities3,522,074,7922,133,181,2691,386,951,5271,473,951,4811,447,977,6471,202,929,525
Debt securities issued2,477,875,4802,476,082,2612,974,381,302499,145,186498,722,911498,148,814
Subordinated Liabilities------
Total Liabilities174,003,361,856149,441,028,70897,132,962,49777,626,736,88366,696,041,55656,038,430,030
Share capital14,200,974,00612,576,923,1159,089,817,2908,371,064,7738,033,236,4006,921,689,662
Share premium--4,124,40246,816,126433,526532,794,833
Retained earnings1,329,462,0031,422,777,310931,156,9471,251,267,361132,228,780763,369,943
Reserves4,878,852,6504,888,321,2833,392,621,5872,825,478,4102,848,012,7331,625,329,711
Total Equity20,409,288,65918,888,021,70813,417,720,22512,494,626,67011,013,911,4399,843,184,149
Total Liabilities and Equity194,412,650,515168,329,050,416110,550,682,72290,121,363,55377,709,952,99465,881,614,179

Citizens Bank Limited (CZBIL) Annual Income Statement

Particulars207920782077207620752074
Interest income15,967,648,03510,839,534,3539,489,525,3388,532,283,5877,109,387,5734,960,197,979
Interest expense-10,974,158,052-7,189,136,209-6,604,771,721-5,843,821,610-4,887,319,894-3,169,957,746
Net interest income4,993,489,9833,650,398,1442,884,753,6172,688,461,9772,222,067,6791,790,240,233
Fees and commission income998,102,482825,370,410582,213,590568,573,901559,884,278429,211,115
Fees and commission expense-129,036,061-73,360,658-57,731,667-62,260,248-50,836,108-33,396,855
Net fee and commission income869,066,421752,009,752524,481,923506,313,653509,048,171395,814,259
Net interest, fee and commission income5,862,556,4044,402,407,8963,409,235,5403,194,775,6292,731,115,8502,186,054,492
Net trading income224,276,449418,465,532281,338,052277,322,135181,074,487136,794,468
Other operating income177,226,700153,105,306100,102,83930,465,306120,696,49493,889,840
Total operating income6,264,059,5534,973,978,7343,790,676,4303,502,563,0703,032,886,8302,416,738,801
Impairment charge/(reversal) for loan and other losses-552,420,450-394,036,022-640,133,259138,372,772-89,316,64296,965,217
Net operating income5,711,639,1034,579,942,7123,150,543,1713,640,935,8432,943,570,1882,513,704,017
Personnel expense-1,785,432,248-1,229,753,262-935,254,564-900,244,354-784,057,981-579,564,141
Other operating expense-803,854,246-650,045,937-504,580,220-469,787,230-347,358,417-309,364,627
Depreciation & Amortisation-413,100,077-244,877,287-211,684,673-170,501,154-126,526,734-92,692,281
Operating Profit2,709,252,5322,455,266,2261,499,023,7152,100,403,1061,685,627,0571,532,082,967
Non operating income123,343,936130,437,670169,713,48177,786,06937,955,047735,476,834
Non operating expense----575,339-16,717,011-105,936,458
Profit before income tax2,832,596,4682,585,703,8961,668,737,1952,177,613,8361,706,865,0932,161,623,344
Current Tax-890,236,429-780,301,891-469,449,326-776,346,002-536,347,961-265,337,676
Deferred Tax63,250,757-1,060,939-783,21061,950,94663,586,765-261,367,894
Profit for the period2,005,610,7961,804,341,0661,198,504,6591,463,218,7801,234,103,8971,634,917,774
Gains/(losses) from investments in equity instruments measured at fair value-336,820,152558,725,81277,795,49295,938,512-9,000,000
Gains/(losses) on revalution
Actuarial gains/(losses) on defined benefit plans4,968,67422,894,467-24,790,901-15,813,677-4,092,9803,985,502
Income tax relating to above items99,555,443-174,486,084-15,901,377-24,037,4513,927,894-1,195,651
Net other comprehsive income that will not be reclassified to profit or loss-232,296,035407,134,19637,103,21456,087,385-9,165,0862,789,851
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-232,296,035407,134,19637,103,21456,087,385-9,165,0862,789,851
Total Comprehensive Income For The Period1,773,314,7612,211,475,2621,235,607,8731,519,306,1651,224,938,8111,637,707,625

Citizens Bank Limited (CZBIL) Annual Cash Flow Statement

Particulars207920782077207620752074
CASH FLOW FROM OPERATING ACTIVITIES
Interest Received14,663,831,2189,670,968,7238,510,285,3478,193,995,3766,648,982,3234,828,016,678
Fees and other income received1,023,801,276837,658,755607,821,628593,645,693575,124,736119,946,456
Dividend received96,298,358-57,000220,434174,460176,399
Receipts from other operating activities432,008,078418,844,746358,182,540390,072,146246,042,406953,351,667
Interest paid-10,693,172,684-6,870,094,899-6,420,392,692-5,951,919,486-4,767,244,626-3,060,626,323
Commission and fees paid-129,036,061-73,360,658-57,731,667-67,393,405-50,836,108-33,396,855
Cash payment to employees-1,650,126,107-976,962,173-907,082,314-823,759,526-670,488,221-642,668,376
Other expense paid-798,018,890-642,950,531-484,527,712-189,876,502-486,690,820-310,060,318
Operating cash flows before changes in operating assets and liabilities2,945,585,1882,364,103,9641,606,612,1302,144,984,7291,495,064,1511,854,739,328
(Increase)/Decrease in operating assets
Due from Nepal Rastra Bank-470,020,2563,177,781,5931,545,653,7761,093,225,404-1,499,295,590551,266,238
Placement with bank and financial institutions1,641,243,354-2,572,192,88692,087,9691,595,108,465-421,863,940-587,221,248
Other trading assets110,454,221-455,472,144505,897,554-573,250,005-43,373,359-43,883,470
Loan and advances to bank and financial institutions-52,752,64920,350,662,31584,875,631-161,252,99346,480,779-13,062,565
Loan and advances to customers-13,221,118,863-40,257,635,512-12,281,363,118-7,383,780,341-9,580,265,145-7,429,696,890
Other assets-1,049,603,993-165,381,464294,472,099-152,951,62019,577,295-1,028,439,419
Increase/ (Decrease) in operating liabilites
Due to bank and financial institutions1,298,052,831-1,332,204,851-311,383,946591,373,938833,381,7281,385,610,794
Due to Nepal Rastra Bank9,864,692,044475,973,742-645,009,390517,545,101661,463,29330,828,077
Deposit from customers12,163,078,88726,112,327,19110,542,751,3659,813,057,6778,979,352,3203,636,900,837
Borrowings------
Other Liabilities1,331,465,814161,826,117-295,210,210122,344,51027,462,990-181,882,210
Net cash flow from operating activities before tax paid14,561,076,5787,859,788,0641,139,383,8627,606,404,866517,984,522-1,824,840,527
Income taxes paid-958,548,338-876,396,888-597,313,401-676,316,639-354,138,124-566,129,198
Net cash flow from operating activities (A)13,602,528,2406,983,391,177542,070,4616,930,088,227163,846,398-2,390,969,725
CASH FLOWS FROM INVESTING ACTIVITIES
Purchase of investment securities-6,729,963,129-8,685,704,522-926,933,518-5,188,592,491-36,400,000-171,988,837
Receipts from sale of investment securities----1,191,495,006-20,215,697
Purchase of property and equipment-1,214,608,422-137,285,912-348,195,446-355,933,071-490,030,077-290,897,285
Receipt from the sale of property and equipment52,578,50015,499,2532,746,5023,451,5795,227,247292,099,484
Purchase of intangible assets-25,943,490-33,381,401-6,319,490-22,819,397-65,674,655-74,501,360
Receipt from the sale of intangible assets------
Purchase of investment properties------
Receipt from the sale of investment properties41,349,283173,108,60133,321,66970,572,412102,519,002-
Interest received1,106,160,264787,444,433493,366,852322,400,112300,908,953122,452,635
Dividend received149,406,48053,895,38112,316,1592,667,8535,690,7098,556,068
Net cash used in investing activities (B)-6,621,020,514-7,826,424,167-739,697,272-5,168,253,0031,013,736,186-134,494,992
CASH FLOWS FROM FINANCING ACTIVITIES
Receipt from issue of debt securities--2,474,283,807---
Repayment of debt securities--500,000,000----
Receipt from issue of subordinated liabilities------
Repayment of subordinated liabilities------
Receipt from issue of shares--43,905,62492,765,2004,076,3942,484,810,699
Dividends paid-394,856,121-256,716,000-943,197,062-117,635,632-45,467,973-17,038,157
Interest paid-256,952,055-277,441,781-111,551,624-42,500,008-44,302,083-42,499,998
Other receipt/payment--81,326,494-999,654--529,389,691
Net cash from financing activities (C)-651,808,176-1,115,484,2751,462,441,091-67,370,440-85,693,6622,954,662,235
Net increase (decrease) in cash and cash equivalents6,329,699,550-1,958,517,2651,264,814,2781,694,464,7821,091,888,921429,197,518
Cash Inflow from acquired institution-2,679,586,0552,836,456,192-3,887,468,8183,398,480,006
Cash and cash equivalents at Shrawan 01 (beginning of the year)11,563,041,72010,841,972,9306,740,702,4605,046,237,676
Effect of exchange rate fluctuations on cash and cash equivalents held--66,879,93759,791,295
Cash and cash equivalents at Asar end (end of the year)17,892,741,27011,563,041,72010,841,972,9306,740,702,4605,046,237,6763,887,468,818