Civil Bank Ltd's 4th quarter report of fiscal year 2071/72

Civil Bank Limited (CBL) has earned Rs 23.75 crore net profit during the fourth quarter of the last fiscal year 2071/72.

The bank’s able to earn Rs 85.16 crore net interest income whereas the bank mobilized Rs 26.65 arba in deposit and extended a loan of Rs 22.53 arba in loan and advances.
Its NPA stands at 3.2% whereas the bank provisioned Rs 38.53 crore for possible losses.

The Bank’s EPS is 8.23, P/E ratio is 32.82 times and its net worth stands at Rs 114.48.

Civil Bank Ltd : Fundamental Analysis for FY 2070/71

सिभिल बैंकको विश्लेषण
पूँजी, जगेडा, निक्षेप तथा लगानी
चुक्ता पूँजी २ अरब ६९ करोड ८९ लाख २५ हजार, संचित कोष ३८ करोड ६५ लाख १० हजार, निक्षेप २२ अरब ३ करोड ४२ लाख ९० हजार, कर्जा लगानी १८ अरब ६७ करोड १ लाख ४८ हजार र अन्य लगानी १ अरब ५३ करोड ५१ लाख ९० हजार १५ हजार रहेको छ /
नाफा नोक्सान
खुद व्याज आम्दानी ६१ करोड २७ लाख ७६ हजार र अन्य आम्दानी १७ करोड ७७ लाख १४ गरी जम्मा ७९ करोड ४ लाख ९० हजार कुल आम्दानी गरेको छ / कर्मचारी र संचालन खर्च पश्चातको कुल आम्दानी रु. ४२ करोड १० लाख ७१ हजार रहेको छ / 

NEPSE investors- Get Demat account from CDSC for digital clearing & settlement of stock transaction

CDS and Clearing (CDSC), a subsidiary of the Nepal Stock Exchange (Nepse), officially started clearing and settlement of securities transactions digitally. The paperless system allows processing to be done in an easier and faster way. While the manual system used to take at least three days to transfer ownership of shares after a sale, the central depository system (CDS) does it instantly.

According to CDSC, the CDS acts as the central depository (safekeeping, deposit and withdrawal of securities certificates and transfer of ownership/rights) for various instruments such as equity, bonds and warrants in a dematerialised (electronic) form. Under the new provision, stock ownership has to be first converted into Demat format.
A Demat account can be opened through Depository Participant (DP), an agent appointed by the CDSC.

List of Licensed Depository Participants 

- Civil Capital Market Ltd. 

-ACE Capital Ltd. 

-Stock Management & DP Ltd. 

-Nabil Investment Banking Ltd. 

-NIBL Capital Markets Ltd.

-Laxmi Capital Ltd. 

-Everest Bank Limited 

-Siddhartha Capital Limited 

-NMB Capital Limited 

-Bank of Kathmandu Limited 

 Similarly, the companies listed on Nepse also have to open a Demat account with CDSC. Potential investors, after being okayed for a Demat account, can post the number of shares they want to buy or sell through their brokers.
According to CDSC company secretary Subodh Dhungel, the should enter the assigned number of shares in “Pull Account” through which trading is done. Investors are required to pay Rs 50 to open a Demat account and an annual fee of Rs 100. “Other processing costs are born by the concerned companies,” said Dhungel.
Under the new system, brokers also have to become members of CDSC to act on behalf of their clients.

List of Registered Clearing Members

S.No.	Clearing Members	CM No.
1	ABC Securities Pvt. Ltd.	17
2	Agrawal Securities Pvt. Ltd.	6
3	Arun Securities Pvt. Ltd.	3
4	Aryatara Investment & Securities Pvt. Ltd.	57
5	Ashutosh Brokerage & Securities Pvt. Ltd.	8
6	Asian Securities Pvt. Limited	26
7	Bhrikuti Stock Broking Co. Pvt. Ltd.	55
8	Creative Securities Pvt. Ltd.	40
9	Crystal Kanchanjunga Securities Pvt. Ltd.	50
10	Dakshinkali Investment & Securities Pvt. Ltd.	33
11	Dipshika Dhitopatra Karobar Co. Pvt. Ltd.	38
12	Divyaa Securities & Stock House Pvt. Ltd.	59
13	Imperial Securities Co. Pvt. Ltd.	45
14	Investment Management Nepal Pvt. Ltd.	53
15	J.F. Securities Company Pvt. Ltd.	7
16	Kalika Securities Pvt. Ltd.	46
17	Kumari Securities Pvt. Ltd.	1
18	Kohinoor Investment And Securities Pvt. Ltd.	35
19	Linch Stock Market Ltd.	41
20	Malla & Malla Stock Broking Company Pvt. Ltd.	11
21	Market Securities Exchange Co. Pvt. Ltd.	5
22	Midas Stock Broking Company Pvt. Limited	21
23	Nasa Securities Co. Ltd.	58
24	Nepal Investment & Securities Trading Pvt. Ltd.	19
25	Nepal Stock House Pvt. Ltd.	14
26	Online Securities Pvt. Ltd.	49
27	Opal Securities Investment Pvt. Ltd.	4
28	Oxford Securities Pvt. Ltd.	51
29	Pragyan Securities Pvt. Ltd.	10
30	Premier Securities Company Limited	32
31	Primo Securities Pvt. Ltd.	16
32	Sagarmatha Securities Pvt. Limited	18
33	Sani Securities Co. Ltd.	42
34	Sewa Securities Pvt. Ltd.	54
35	Shree Krishna Securities Ltd.	28
36	Sipla Securities Pvt. Ltd.	20
37	Siprabi Securities Pvt. Limited	22
38	South Asian Bulls Pvt. Ltd.	43
39	Sundhara Securities Ltd.	56
40	Sweta Securities Pvt. Ltd.	25
41	Thrive Brokerage House Pvt. Limited	13
42	Trishakti Securities Public Pvt. Ltd.	48
43	Trisul Securities & Investment Ltd.	29
44	Vision Securities Pvt. Ltd.	34
45	Neev Securities Pvt. Ltd.	47
46	Dynamic Money Managers Securities Pvt. Ltd.	44
47	Secured Securities Ltd.	36
48	Sri Hari Securities Pvt. Ltd.	56
49	Sumeru Securities Pvt. Ltd.	39
50	Swarnalaxmi Securities Pvt. Ltd.	37

Other companies which have obtained a license from the Securities Board of Nepal (Sebon) can also perform the clearing function of stock transactions. The new provision is expected to minimise hassles for investors while buying and selling stocks. The system also makes it easier to acquire rights shares issued by the companies concerned.
“The new system allows traders to do multiple transaction on the same day,” said Dhungel. According to him, investors can also buy and sell shares in small quantities.
All the listed companies will have to open a Demat account at CDSC.

List of Registered Companies 

S.No.	Company	ISIN
1	ACE Development Bank Ltd.	NPE000A00007
2	Agricultural Development Bank	NPE001A00005
3	Everest Finance Co. Ltd.	NPE002A00003
4	Bank of Kathmandu Ltd.	NPE003A00001
5	Laxmi Bank Ltd.	NPE004A00009
6	Himalayan General Insurance Co. Ltd.	NPE005A00006
7	Shikhar Insurance Co. Ltd.	NPE006A00004
8	Nepal SBI Bank Ltd.	NPE007A00002
9	Siddhartha Insurance Limited	NPE008A00000
10	Siddartha Bank Ltd.	NPE009A00008
11	PrimeLife Insurance Co. Ltd.	NPE010A00006
12	Citizens Bank International Ltd.	NPE011A00004
13	Civil Bank Ltd.	NPE012A00002
14	Nepal Bangladesh Bank Ltd.	NPE013A00000
15	Sunrise Bank Ltd.	NPE014A00008
16	Nepal Life Insurance Co. Ltd.	NPE209A00004

17	Himalayan Bank Ltd.	NPE019A00007 (Ordinary Share)                                                     NPE019A00015 (Promoter Share)

CDSC UPDATE

Registered Companies:	17
Registered Clearing Members:	50
Licensed Depository Participants:	10
Beneficial Owners' Demat Account:	624
No. of Shares in Demat Form:	179814
Companies in Pipeline for Admission of Securities:	20
DPs in Pipeline:	2
As of 2014-07-22

Civil Bank, Civil Merchant & Axis' special AGMs on March 3; swap ratio: 1:0.79

Four months after signing a MoU for the merger, Civil Bank Limited, Civil Merchant Bittiya Sanstha and Axis Development Bank Limited have decided to hold their Special Annual General Meetings on March 3 to formally endorse their merger.

The swap ratio has been fixed at 1:0.79 for the commercial and the other two BFIs following DDA Report prepared by BRS Neupane and Company, according to separate notices issued by the three companies today.

Civil Bank AGM endorses 5.7% cash dividend, Merger with Axis Development Bank & Civil Merchant Finance

Civil Bank Limited’s third Annual General Meeting held yesterday took a number of important decisions, including endorsement of 5.7 percent cash dividend to the shareholders from the net profit the young commercial bank posted in the last fiscal year 2069/70.

Besides, the AGM also saw an election of three members to the Board of Directors from the ordinary shareholders. They are Ghanendra Bahadur Shrestha, Mitra Lal Shrestha and Sangam KC.

Civil Bank endorses 5.75% cash dividend for fiscal year 2069/70

Civil Bank Limited has decided to distribute 5.75 percent cash dividend to the shareholders from the net profit it posted in the last fiscal year 2069/70.

The Annual General Meeting of the commercial bank yesterday took the decision to this effect.

Rising provision, NPA threaten to cast shadow over banks’ profits

Though profits posted by most commercial banks for FY 2069/70 came as great news for the entire banking sector, the scenario might not be as rosy as it seems. 

Most of the banks have set aside huge amount of provision for nonperforming assets (NPA) to make up for bad loans.

Civil Bank profit 12.12cr, Janata Bank 19.73cr, Century Comm Bank 6.76cr & NB Bank 59.07cr

Civil Bank has posted a massive growth in profit. Profits increased 345.25% to Rs 12.12 crore from Rs 2.72 crore in the previous fiscal. The bank collected a deposit of Rs 15.63 arba, a 77.50% growth over Rs 8.80 arba of last year. Loans and advances grew 59.55% to Rs 12.36 arba. The bank’s EPS stands at Rs 7.56 and net worth at Rs 107.65.

Listed company in CDSC - List

Listed company in CDSC

S.N.	Company	ISIN
1	ACE Development Bank Ltd.	NPE000A00007
2	Agricultural Development Bank	NPE001A00005
3	Everest Finance Co. Ltd.	NPE002A00003
4	Bank of Kathmandu Ltd.	NPE003A00001
5	Laxmi Bank Ltd.	NPE004A00009
6	Himalayan General Insurance Co. Ltd.	NPE005A00006
7	Shikhar Insurance Com. Ltd.	NPE006A00004
8	Nepal SBI Bank Ltd.	NPE007A00002
9	Siddhartha Insurance Limited	NPE008A00000
10	Siddartha Bank Ltd.
11	PrimeLife Insurance Co. Ltd.	NPE010A00006
12	Citizens Bank International Ltd.	NPE011A00004
13	Civil Bank Ltd.	NPE012A00002
14	Nepal Bangladesh Bank Ltd.

CDSC completes one year of operation without a single settlement of a dematerialised share

CDS and Clearing Ltd (CDSC) has stepped into its second year of operation without undertaking even a single settlement of a dematerialised share as it failed to get listed firms to register their shares.

After a year gone by, there are only 14 listed companies that have registered shares for dematerialisation with CDSC. About 214 listed companies are yet to get their shares registered. The deadline for companies to dematerialise their shares was over by the end of fiscal year 2012-13.

NEPSE ended this FY closing at 518.27, gaining 128.55 pts, or 32.99% over the last fiscal closing.

Fiscal year 2069/70 augured well for the secondary market of Nepal as its performance fared better than the last year’s.

Though the market entered the year in a battered condition, with political gloom hanging over the country following the dissolution of Constituent Assembly, several factors like margin lending, mutual fund, Central Depository System (CDS), dividend payout ratio of the companies and other factors salvaged the performance of the local bourse.

The market ended its fiscal 2069/70 run closing at 518.27, gaining 128.55 points, or 32.99 percent, over the last fiscal closing.