Face to Face: Nepal Bank Vs Agricultural Development Bank Vs Rastriya Banijya Bank

November 19, 2019 | Investopaper

Three of the commercial banks promoted by the government have undergone stunning financial progress in the past several years. Nepal Bank (NBL), Agricultural Development Bank (ADBL), and Rastriya Banijya Bank (RBB) have vastly surpassed expectations and positioned themselves strongly for competing with the private sector banks.

In the first quarter of this fiscal year (2076/77), all 3 banks have delivered a satisfactory performance. Rastriya Banijya Bank has excelled over Nepal Bank and Agricultural Development Bank. As per the report, RBB tops the other two in several financial indicators such as deposits, loans, interest income, and the profit. See the performance of the three government banks in the table below:

Note: The paid-up capital of the Agricultural Development Bank includes an irredeemable preference share worth Rs. 5.43 Arba.

Face to Face: Nepal Bank Vs Agricultural Development Bank Vs Rastriya Banijya Bank

HEADINGS Nepal Bank Limited Agricultural Development Bank Rastriya Banijya Bank
PAID-UP CAPITAL (Rs. In Arba) 9.81 14.45 9
RESERVE & SURPLUS (Rs. In Arba) 19.6 14.84 15.82
DEPOSITS (Rs. In Arba) 114.8 123.55 187.37
LOANS  (Rs. In Arba) 92.66 111.47 143.33
NET INTEREST INCOME (Rs. In Arba) 1.33 1.67 2.27
PROFIT (Rs. In Arba) 0.58 0.61 1.13
DISTRIBUTABLE PROFIT (Rs. In Arba) 0.065 0.26 1.31
NON PERFORMING LOANS, NPL (%) 2.75 3.7 3.5
BASE RATE(%) 7.84 10.18 6.6
EARNINGS PER SHARE, EPS (Rs.) 23.72 23.33 50.22
NETWORTH PER SHARE (Rs.) 299.81 263.65 275.78
MARKET PRICE PER SHARE (Rs.) [Ashwin 30, 2076] 345 419
P/E RATIO 14.54 17.96


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