We have done Comparison of Nabil Bank and Global IME Bank. They are leading and successful commercial banks of Nepal.
Comparison of Nabil Bank and Global IME Bank
Following is the short introduction of the respective Bank:
Nabil Bank Ltd
Nabil Bank Ltd (NABIL) is a leading commercial bank in Nepal which was established in 1984. The Bank operates through its wide network of 230 branch offices, 254 ATMs, numerous POS terminals and remittance agents spread across the nation. The bank as so far acquired Nepal Bangladesh Bank ltd and United finance.
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Global IME Bank Ltd
Global IME Bank Ltd. (GIBL) emerged after successful merger of Global Bank Ltd (an “A” class commercial bank), IME Financial Institution (a “C” class finance company) and Lord Buddha Finance Ltd. Global Bank Limited (GBL) was established in 2007 as an ‘A’ class commercial bank in Nepal. The bank was established with the largest capital base at the time with paid up capital of NPR 1.0 billion. After merger with several bank and financial institutions. The paid-up capital of the bank has been increased to NPR 35.77 billion. Big merger such as with Janata Bank Ltd and Bank of Kathmandu Ltd.
Comparison
Following are the highlights:
| Particulars “000” | Nabil Bank | Global IME Bank |
|---|---|---|
| Paid-up Capital | 27,056,997.00 | 35,771,060.00 |
| Retained Earnings | 1,772,095.00 | 962,673.00 |
| Reserve | 25,574,297.00 | 19,065,507.00 |
| Deposits from Customers | 363,487,636.00 | 409,882,438.00 |
| Loans and Advances to Customers | 323,514,411.00 | 362,082,967.00 |
| Net Interest Income | 12,101,158.00 | 11,792,154.00 |
| Impairment Chage/ (Reversal) | 3,331,712.00 | 2,710,773.00 |
| Personnel Expense | 2,452,802.00 | 3,103,389.00 |
| Operating Profit | 7,486,653.00 | 6,066,066.00 |
| Profit/ (Loss) for the year | 5,116,174.00 | 4,358,264.00 |
| Distributable Profit / Loss | 1,772,092.00 | 962,673.00 |
| Capital Adequacy Ratio (CAR) | 12.34 | 12.75 |
| NPL | 3.87 | 3.96 |
| CD Ratio | 87.68 | 87.17 |
| Cost of fund | 8.16 | 8.62 |
| Interest Rate Spread | 5.15 | 5.20 |
| Base Rate | 9.99 | 10.69 |
| EPS | 25.21 | 16.25 |
| Book Value | 201.07 | 155.99 |
Note: All the data are taken from the 3 Quarter report of FY 2079/80.
Other Important Links:
a. EPS of Commercial Banks: CLICK HERE
b. EPS of Hydropower Company: CLICK HERE
c. Top 10 Commercial Bank: CLICK HERE
Frequently Asked Questions:
Which bank is Better, Nabil Bank or Global IME Bank?
= We have highlighted the financial differences of the banks. So, you can decide which bank is better.
