Kumari Bank Limited (KBL)

Kumari Bank Limited (KBL) Annual Balance Sheet

Particulars207920782077207620752074
Cash and cash equivalent17,609,892,3917,580,241,0829,154,311,2718,821,135,6324,734,754,2063,627,601,100
Due from Nepal Rastra Bank5,475,310,6818,486,453,2885,821,520,1133,580,514,3494,910,801,0293,104,484,533
Placement with Bank and Financial Institutions1,949,476,8584,840,711,695852,447,642384,382,7971,484,107,2571,720,307,330
Derivative financial instruments--7,416,210,3685,858,648,39423,185,58625,644,216
Other trading assets------
Loan and advances to B/FIs5,846,262,2175,123,681,1723,796,212,7393,035,403,9741,139,156,439704,242,556
Loans and advances to customers152,562,929,781137,897,925,002110,717,259,56873,017,913,05243,557,019,67429,149,470,116
Investment securities22,815,085,58322,697,941,96312,757,707,8489,121,568,1774,728,824,4993,812,743,021
Current tax assets454,701,292266,729,922328,287,86161,227,29845,246,58558,773,373
Investment in subsidiaries420,000,000220,000,000220,000,000200,000,000--
Investment in associates185,017,596155,017,596130,063,90120,000,00020,000,00020,000,000
Investment property144,491,994128,112,87860,348,33388,422,015160,183,594180,540,628
Property and equipment1,179,754,4791,258,559,2991,383,658,862662,104,656350,648,737262,223,434
Goodwill and Intangible assets161,441,291197,573,361206,831,58197,393,6097,418,7213,190,993
Deferred tax assets--10,001,69777,789,908--
Other assets3,304,074,229939,456,216486,767,825284,981,292254,818,10269,240,732

Total Assets

212,108,438,392

189,792,403,473

153,341,629,610

105,311,485,153

61,416,164,427

42,738,462,031

Due to Bank and Financial Institutions6,194,529,10614,731,924,7377,475,893,65612,168,482,0923,333,547,3754,971,257,613
Due to Nepal Rastra Bank1,345,585,6205,088,973,668225,355,4041,433,248,0371,019,287,0001,186,128,000
Derivative financial instruments39,334,1953,267,7387,369,687,5485,715,359,938--
Deposits from customers176,767,665,556145,838,231,009116,547,033,19673,201,143,76647,691,769,93231,793,139,531
Borrowing------
Current Tax Liabilities------
Provisions2,500,0002,334,810--1,541,463474,600
Deferred tax liabilities75,208,206155,212,668--96,106,573142,965,690
Other liabilities3,685,702,2222,084,796,9591,460,369,8651,074,165,7931,010,542,306485,157,555
Debt securities issued2,995,797,4892,995,439,8262,995,116,270---
Subordinated Liabilities------

Total Liabilities

191,106,322,395

170,900,181,415

136,073,455,939

93,592,399,626

53,152,794,649

38,579,122,989

Share capital14,711,183,32613,878,474,83612,520,049,4698,685,573,1125,969,495,8232,699,166,532
Share premium88,804,04188,804,041571,628,06954,803,159--
Retained earnings1,872,567,4271,247,097,0561,317,542,681883,698,6331,154,599,291713,309,068
Reserves4,329,561,2033,677,846,1252,858,953,4512,095,010,6221,139,274,663746,863,442

Total Equity

21,002,115,997

18,892,222,058

17,268,173,670

11,719,085,527

8,263,369,778

4,159,339,042

Total Liabilities and Equity

212,108,438,392

189,792,403,473

153,341,629,610

105,311,485,153

61,416,164,427

42,738,462,031

Kumari Bank Limited (KBL) Annual Income Statement

Particulars207920782077207620752074
Interest income18,355,159,24112,776,387,13310,569,829,2249,098,573,8396,804,011,3813,736,879,327
Interest expense12,137,993,2447,698,873,5226,996,630,7496,228,619,9124,771,333,2392,299,277,448
Net interest income6,217,165,9975,077,513,6113,573,198,4752,869,953,9282,032,678,1411,437,601,879
Fees and commission income962,856,296828,201,496529,322,874478,946,166396,815,439278,880,211
Fees and commission expense144,683,73871,371,19735,833,49931,866,06327,322,46123,538,573
Net fee and commission income818,172,558756,830,299493,489,375447,080,103369,492,978255,341,638
Net interest, fee and commission income7,035,338,5555,834,343,9104,066,687,8503,317,034,0302,402,171,1191,692,943,517
Net trading income377,867,068420,833,394355,323,689258,904,627148,951,41485,261,574
Other operating income527,950,068390,023,54715,435,69371,959,751100,163,79261,126,449
Total operating income7,941,155,6916,645,200,8524,437,447,2313,647,898,4082,651,286,3251,839,331,539
Impairment charge/(reversal) for loan and other losses812,100,287475,280,357461,786,171229,030,77031,946,183-56,011,027
Net operating income7,129,055,4046,169,920,4953,975,661,0603,418,867,6382,619,340,1421,895,342,566
Personnel expense2,332,987,9342,023,918,3831,408,600,989978,860,368801,840,723518,630,168
Other operating expense683,386,361856,905,482703,066,709554,656,220380,917,372248,154,532
Depreciation & Amortisation535,205,469283,304,555177,913,962120,126,23879,214,26945,947,101
Operating Profit3,577,475,6413,005,792,0741,686,079,3991,765,224,8121,357,367,7771,082,610,764
Non operating income18,320,84633,895,85923,336,29411,842,00124,529,08368,622,159
Non operating expense1,981,949290,72932,2381,029,811--
Profit before income tax3,593,814,5383,039,397,2041,709,383,4551,776,037,0021,381,896,8601,151,232,923
Income tax expense1,014,004,7061,068,667,046550,877,499545,658,742411,550,374312,467,322
Current Tax1,029,422,733929,312,008560,133,759621,921,927-71,546,21945,622,607
Deferred Tax-15,418,027139,355,038-9,256,260-76,263,1851,041,892,704793,142,994
Profit for the period2,579,809,8321,970,730,1581,158,505,9561,230,378,2601,041,892,704793,142,994
Gains/(losses) from investments in equity instruments measured at fair value-231,208,644243,497,14236,262,478-10,287,089-31,455,88615,261,188
Gains/(losses) on revalution------
Actuarial gains/(losses) on defined benefit plans15,920,532-189,257,364170,478,062-62,673,74218,771,860-79,870,248
Income tax relating to above items64,586,434-16,271,933-62,022,16221,888,2493,805,20819,382,718
Net other comprehsive income that will not be reclassified to profit or loss-150,701,67937,967,845144,718,378-51,072,582-8,878,818-45,226,342
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-150,701,67937,967,845144,718,378-51,072,582-8,878,818-45,226,342
Total Comprehensive Income For The Period2,429,108,1532,008,698,0021,303,224,3341,179,305,6791,033,013,886747,916,652

Kumari Bank Limited (KBL) Annual Cash Flow Statement

Particulars207920782077207620752074

CASH FLOW FROM OPERATING ACTIVITIES

Interest Received18,316,644,88912,849,430,03210,229,988,9528,814,787,7426,670,723,1703,728,469,923
Fees and other income received962,856,296822,620,181529,322,874465,986,518396,815,439278,880,211
Dividend received----
Receipts from other operating activities668,074,112801,576,304381,447,487345,630,367237,339,502201,382,233
Interest paid-11,836,936,759-7,362,913,448-6,875,325,935-6,215,038,231-4,771,333,239-2,299,277,448
Commission and fees paid-144,683,738-38,901,965-35,833,499-31,866,063-27,322,461-23,538,573
Cash payment to employees-2,399,577,579-1,844,878,546-1,305,262,424-926,340,878-711,578,278-348,293,224
Other expense paid-1,728,677,237-1,128,810,858-472,639,877-872,793,798-380,917,372-248,154,532
Operating cash flows before changes in operating assets and liabilities3,837,699,9834,098,121,7002,451,697,5771,580,365,6571,413,726,7601,289,468,590
(Increase)/Decrease in operating assets
Due from Nepal Rastra Bank3,011,142,606-2,664,933,1741,295,236,4022,002,246,470-671,959,791-1,806,316,496
Placement with bank and financial institutions2,891,234,836-3,988,264,052-461,967,784329,712,888770,011,571236,200,073
Other trading assets------
Loan and advances to bank and financial institutions-722,581,045-1,327,468,433-177,019,286-1,256,469,391-646,226,589-439,299,199
Loan and advances to customers-14,665,004,779-27,180,665,433-17,302,462,870-12,231,328,755-16,959,434,523-14,431,213,432
Other assets-2,326,103,661-479,208,470-1,141,859,700-5,594,927,968-176,920,413-183,118,739
Increase/ (Decrease) in operating liabilites
Due to bank and financial institutions-8,537,395,6307,256,031,081-6,447,000,6362,064,294,7606,770,639,956-1,637,710,237
Due to Nepal Rastra Bank-3,743,388,0484,863,618,264-1,207,892,632893,690,459-479,729,422-166,841,000
Deposit from customers30,929,434,54729,291,197,81319,858,964,94913,654,808,24711,854,565,58815,898,630,400
Borrowings -------
Other Liabilities1,778,631,791233,595,9231,398,910,0634,687,421,956897,339,434363,054,500
Net cash flow from operating activities before tax paid12,453,670,60010,102,025,2161,733,393,9176,129,814,3242,772,012,572-877,145,539
Income taxes paid-1,217,394,103-867,754,069812,172,014569,336,126-483,892,096-391,422,258

Net cash flow from operating activities (A)

11,236,276,497

9,234,271,148

2,545,565,931

5,560,448,198

2,288,120,475

-1,268,567,797

CASH FLOWS FROM INVESTING ACTIVITIES

Purchase of investment securities-357,093,537-10,014,602,265-2,641,241,873-330,761,174-4,274,079,391-916,081,477
Receipts from sale of investment securities9,949,91681,372,43381,372,43312,096,88715,213,178-
Purchase of property and equipment-456,400,648-158,204,992-481,632,216-316,224,012-159,011,609-132,398,238
Receipt from the sale of property and equipment--11,299,52314,046,5265,843,136100,201
Purchase of intangible assets36,132,0709,258,220-91,954,21313,059,820-106,893,052-6,201,894
Receipt from the sale of intangible assets------
Purchase of investment properties----26,012,59120,357,034
Receipt from the sale of investment properties-16,379,116-67,764,545--10,024,429.3097,199,840
Interest received----
Dividend received256,063,87043,481,36512,648,18910,035,6595,224,0441,857,697

Net cash used in investing activities (B)

-527,727,445

-10,106,459,785

-3,109,508,158

-597,746,294

-4,477,666,675

-935,166,838

CASH FLOWS FROM FINANCING ACTIVITIES

Receipt from issue of debt securities--3,000,000,000---
Repayment of debt securities----
Receipt from issue of subordinated liabilities------
Repayment of subordinated liabilities----
Receipt from issue of shares----1,235,435,8141,336,175,098
Dividends paid-370,555,278-394,381,558-45,713,543-
Interest paid-308,342,465-307,499,993-144,338,800-
Other receipt/payment---77,789,9081,974,712,643

Net cash from financing activities (C)

-678,897,743

-701,881,551

3,178,302,070

-

1,235,435,814

3,310,887,741

Net increase (decrease) in cash and cash equivalents10,029,651,309-1,574,070,188333,175,6385,040,491,812-954,110,3861,107,153,107
Cash and cash equivalents at Shrawan 01 (beginning of the year)7,580,241,0829,154,311,2718,821,135,6323,780,643,8204,734,754,2063,627,601,100
Effect of exchange rate fluctuations on cash and cash equivalents held--

Cash and cash equivalents at Asar end (end of the year)

17,609,892,391

7,580,241,082

9,154,311,271

8,821,135,632

3,780,643,820

4,734,754,206