NMB Bank Limited (NMB)

NMB Bank Limited (NMB) Annual Balance Sheet

Particulars2079207820772076207520742073
Cash and cash equivalent12,787,637,05213,887,370,52611,098,349,2348,096,354,5035,183,938,2145,499,968,6226,757,540,896
Due from Nepal Rastra Bank13,747,313,63019,218,505,52815,249,998,50710,829,181,5846,840,510,9379,242,454,9916,390,585,135
Placement with Bank and Financial Institutions3,782,288,7432,717,148,7153,304,233,7922,172,967,239276,407,171681,934,9281,632,360,961
Derivative financial instruments5,293,773,32817,161,392,13410,066,295,9728,595,482,2827,506,751,4855,425,634,2203,666,599,873
Other trading assets-2,660,000266,890,000340,390,000321,720,000298,280,000200,000
Loan and advances to B/FIs5,920,094,8165,194,470,6774,665,864,5793,317,961,9872,497,567,7691,869,100,2311,425,995,187
Loans and advances to customers174,948,356,284151,014,123,921115,668,472,66688,485,031,39472,711,771,76659,886,961,41852,006,836,331
Investment securities31,724,846,75317,453,562,93314,998,756,04710,316,351,0169,448,446,7257,480,981,1724,437,770,882
Current tax assets55,328,90592,745,53461,460,881-763,884,764719,526,541466,635,611
Investment in subsidiaries372,487,600372,487,600372,487,600248,552,000248,552,000148,552,000120,400,000
Investment in associates-------
Investment property295,161,52097,942,26079,648,242102,915,86259,774,62777,488,82769,968,627
Property and equipment1,764,130,3411,741,914,9651,755,794,2351,577,898,7041,559,569,5741,436,619,1061,329,744,034
Goodwill and Intangible assets226,513,150112,540,746125,848,936115,408,80022,054,20915,697,14615,775,309
Deferred tax assets338,964,764249,009,565264,421,08070,040,593--
Other assets3,893,713,3942,230,983,3281,473,393,1321,201,873,6114,883,611,861291,223,308544,556,369

Total Assets

255,150,610,280231,546,858,432179,451,914,903135,470,409,573112,391,430,11393,074,422,51178,864,969,215
Due to Bank and Financial Institutions2,082,436,3381,964,515,7283,150,014,8401,875,151,2511,036,268,951906,395,9951,328,575,351
Due to Nepal Rastra Bank8,996,366,5297,597,982,0454,832,501,5443,203,523,072660,071,6411,110,558,8001,377,300,000
Derivative financial instruments5,351,098,09217,127,036,37610,008,212,6708,458,374,4297,477,483,8925,393,031,2653,643,347,688
Deposits from customers184,817,106,463164,489,285,837131,660,368,35496,641,515,71283,970,867,21972,317,666,60463,452,888,272
Borrowing12,997,400,0007,443,810,0003,416,310,0003,468,060,000-55,347,308110,694,615
Current Tax Liabilities---35,578,570824,302,920588,774,303313,840,105
Provisions----9,078,4449,804,59517,859,204
Deferred tax liabilities-----69,197,22560,168,466
Other liabilities5,907,387,3783,686,459,6413,169,287,8212,145,955,8681,405,999,8001,203,837,692892,714,998
Debt securities issued8,127,853,5225,293,994,3502,279,834,4322,239,236,412517,547,945517,547,945517,547,945
Subordinated Liabilities-------

Total Liabilities

228,279,648,322207,603,083,977158,516,529,660118,067,395,31495,901,620,81282,172,161,73271,714,936,644
Share capital18,366,705,95916,325,960,85313,950,987,4679,618,162,6527,603,290,6346,461,774,3344,486,924,066
Share premium--120,167,4702,512,798,5174,061,366,5861,424,857,94710,150,347
Retained earnings1,550,781,3672,515,343,3481,737,219,7511,780,326,6132,339,181,5971,364,948,8511,378,156,309
Reserves6,953,474,6335,102,470,2545,127,010,5553,491,726,4772,485,970,4841,650,679,6471,274,801,849

Total Equity

26,870,961,95823,943,774,45520,935,385,24317,403,014,25916,489,809,30110,902,260,7797,150,032,571

Total Liabilities and Equity

255,150,610,280231,546,858,432179,451,914,903135,470,409,573112,391,430,11393,074,422,51178,864,969,215

NMB Bank Limited (NMB) Annual Income Statement

Particulars207920782077207620752074
Interest income19,168,862,59413,983,693,53314,442,972,56711,082,059,0318,728,699,8316,109,326,827
Interest expense12,781,322,7528,323,034,2328,946,752,6526,838,038,0855,824,685,7533,505,347,281
Net interest income6,387,539,8425,660,659,3015,496,219,9154,244,020,9462,904,014,0782,603,979,546
Fees and commission income1,689,472,5591,177,641,945914,369,7231,003,530,866794,250,068635,069,204
Fees and commission expense216,241,035138,024,766107,917,28393,955,27062,708,02751,082,047
Net fee and commission income1,473,231,5241,039,617,179806,452,440909,575,596731,542,041583,987,157
Net interest, fee and commission income7,860,771,3666,700,276,4806,302,672,3555,153,596,5423,635,556,1193,187,966,703
Net trading income272,406,509364,108,314384,157,101352,049,490299,605,983154,789,626
Other operating income406,766,685351,973,665215,364,793210,373,919164,962,228121,978,264

Total operating income

8,539,944,5607,416,358,4596,902,194,2495,716,019,9514,100,124,3303,464,734,593
Impairment charge/(reversal) for loan and other losses-37,225,724382,410,3931,627,165,235166,272,634-219,650,78913,569,888

Net operating income

8,577,170,2847,033,948,0665,275,029,0145,549,747,3174,319,775,1193,451,164,705
Personnel expense2,539,345,9892,089,704,2781,647,497,9211,415,793,4931,021,570,435826,873,970
Other operating expense1,087,916,122853,748,763935,573,915708,661,406589,394,199492,213,506
Depreciation & Amortisation290,521,503269,478,145241,683,371176,793,355147,695,238115,783,837

Operating Profit

4,659,386,6703,821,016,8792,450,273,8073,248,499,0622,561,115,2472,016,293,392
Non operating income2,656,85339,071,78618,512,70917,090,67243,140,193136,349,614
Non operating expense46,755,74915,212,62633,981,88717,585,90137,935,37948,225,932

Profit before income tax

4,615,287,7743,844,876,0392,434,804,6293,248,003,8332,566,320,0612,104,417,074
Current Tax1,435,199,2611,185,623,109725,589,473994,167,044829,621,042589,304,078
Deferred Tax-111,005,657-51,820,778-3,561,365-3,439,237-117,093,73426,495,906

Profit for the period

3,291,094,1702,711,073,7081,712,776,5212,257,276,0261,853,792,7531,488,617,090
Gains/(losses) from investments in equity instruments measured at fair value167,948,443265,324,93649,113,5202,162,140-38,270,067-26,323,464
Gains/(losses) on revalution------
Actuarial gains/(losses) on defined benefit plans-44,056,108-15,697,646-25,672,352-1,269,955-24,971,604-31,900,363
Income tax relating to above items-21,050,458-74,888,1877,032,350267,656-18,972,501-17,467,148
Net other comprehsive income that will not be reclassified to profit or loss102,841,877174,739,10316,408,817624,530-44,269,170-40,756,679
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 Tax102,841,877174,739,10316,408,817624,530-44,269,170-40,756,679

Total Comprehensive Income For The Period

3,393,936,0462,885,812,8111,729,185,3382,257,900,5561,809,523,5831,447,860,411

NMB Bank Limited (NMB) Annual Cash Flow Statement

Particulars207920782077207620752074

CASH FLOW FROM OPERATING ACTIVITIES

Interest Received17,405,394,44313,687,650,50212,797,705,25810,029,237,5598,364,873,0365,845,823,206
Fees and other income received1,568,600,1741,160,784,982936,303,627970,870,892790,304,114641,974,858
Dividend received----
Receipts from other operating activities275,027,954327,833,075418,676,147384,775,861357,555,417305,230,505
Interest paid-12,313,716,698-8,221,669,331-9,158,482,410-6,561,973,326-5,828,082,883-3,451,860,291
Commission and fees paid-215,870,497-138,074,594-106,922,556-93,955,270-62,708,027-51,082,047
Cash payment to employees-2,894,083,451-1,756,104,322-1,637,293,487-1,295,324,891-1,013,279,499-679,462,474
Other expense paid-1,053,207,767-829,010,391-921,177,953-700,390,033-613,344,690-523,392,105
Operating cash flows before changes in operating assets and liabilities2,772,144,1594,231,409,9212,328,808,6262,733,240,7931,995,317,4672,087,231,651
(Increase)/Decrease in operating assets
Due from Nepal Rastra Bank5,471,205,795-6,979,639,612-3,011,221,068-3,978,276,1842,402,193,785-2,851,869,856
Placement with bank and financial institutions2,487,937,937-1,398,054,7461,481,768,552-2,265,215,135406,887,994950,426,033
Other trading assets2,660,000264,230,00073,500,000-18,670,000-23,440,000-298,080,000
Loan and advances to bank and financial institutions-711,021,424-381,073,487-757,537,872-817,737,763-634,657,961-447,570,097
Loan and advances to customers-24,348,951,375-31,386,070,687-7,587,006,030-15,509,016,343-12,646,608,128-7,889,729,923
Other assets-920,615,741-804,554,096-158,214,2123,573,449,198-2,868,310,588-1,512,606,939
Total-18,018,784,808-40,685,162,629-9,958,710,630-19,015,466,228-13,363,934,899-12,049,430,781
Increase/ (Decrease) in operating liabilites
Due to bank and financial institutions-475,157,553-1,245,176,3511,836,642,165-411,903,955129,872,956-422,179,356
Due to Nepal Rastra Bank1,398,384,4843,705,451,294939,970,7932,543,451,431-450,487,159-266,741,200
Deposit from customers20,420,898,78926,210,327,7439,813,589,83613,921,434,74811,653,200,6158,864,778,332
Borrowings -5,553,590,0004,027,500,000-51,750,0003,468,060,000-55,347,308-55,347,307
Other Liabilities466,996,061118,125,0951,806,032,540387,420,1142,226,676,5791,880,396,248
Net cash flow from operating activities before tax paid27,364,711,78132,816,227,78114,344,485,33319,908,462,33813,503,915,68310,000,906,717
Income taxes paid-1,396,448,052-1,228,698,096-740,000,000-1,125,413,472-633,132,526-567,260,810

Net cash flow from operating activities (A)

10,721,623,081-4,866,223,0235,974,583,3292,500,823,4321,502,165,725-528,553,223

CASH FLOWS FROM INVESTING ACTIVITIES

Purchase of investment securities-33,256,813,109-4,616,059,622-14,005,481,072-4,834,268,827-10,401,270,740-12,748,983,078
Receipts from sale of investment securities18,332,995,2357,030,509,7237,503,050,4854,351,536,8128,377,760,1629,636,637,520
Purchase of property and equipment-324,801,330-129,680,386-205,152,998-199,177,763-268,775,840-292,794,969
Receipt from the sale of property and equipment119,700,03030,912,70314,393,46392,022,56810,583,52578,916,456
Purchase of intangible assets-93,949,929-22,839,997-37,349,497-106,455,282-12,210,798-
Receipt from the sale of intangible assets------
Purchase of investment properties-224,323,260-17,798,518--53,480,759--
Receipt from the sale of investment properties27,104,000-25,352,22510,844,00073,597,20013,757,616
Investment in subsidiaries, associates & joint ventures-100,000,000-28,152,000
Interest received1,199,748,360851,294,665697,946,875660,235,537384,317,755210,966,857
Dividend received142,201,52887,631,42789,339,37171,020,758132,758,05543,176,660

Net cash used in investing activities (B)

-14,078,138,4743,213,969,995-5,917,901,149-7,722,956-1,803,240,682-3,086,474,939

CASH FLOWS FROM FINANCING ACTIVITIES

Receipt from issue of debt securities2,727,437,0003,500,000,000-1,684,505,000--
Repayment of debt securities--500,000,000----
Receipt from issue of subordinated liabilities------
Repayment of subordinated liabilities-----
Receipt from issue of shares---466,303,949-2,357,846,000
Dividends paid-538,756,708-462,328,095-1,614,163,839-1,815,971,398-21,881,950-54,114,667
Interest paid------
Other receipt/payment------

Net cash from financing activities (C)

2,188,680,2922,537,671,905-1,614,163,839334,837,550-21,881,9502,303,731,333
Net increase (decrease) in cash and cash equivalents-1,167,835,101885,418,878-1,557,481,6592,827,938,026-322,956,906-1,311,296,828
Cash and cash equivalents at Shrawan 01 (beginning of the year)13,887,370,52611,098,349,2348,096,354,5035,180,404,1055,499,968,6226,757,540,896
Cash and cash equivalents acquired from the merger-1,812,575,3374,463,437,114---
Effect of exchange rate fluctuations on cash and cash equivalents held68,101,62791,027,07996,039,27588,012,3726,926,49853,724,554

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

12,787,637,05213,887,370,52611,098,349,2348,096,354,5035,183,938,2145,499,968,622