We have done comparison of the Comparison of CBBL and DDBL. These are among the best microfinance company in Nepal.
Introduction
Chhimek Laghubitta (CBBL)
Chhimek Laghubitta Bittiya Sanstha Ltd (CBBL) was incorporated in December 2001. CBBL got a license from Nepal Rastra Bank (NRB ) in January 2002. Microfinance is operated by Neighborhood Society Service Centre (NSSC) (a National Level NGO). It has 137 branches in 66 districts with 1116 staff. It is one of the leading and largest microfinance company in Nepal.
Deprosc Laghubitta (DDBL)
Deprosc Laghubitta Bittiya Sanstha Limited (DDBL) is promoted with the equity participation of Nabil Bank Ltd, Nepal Bank Ltd, Agriculture Development Bank Ltd, Lumbini Bikas Bank Limited , Development Project Service Center (NGO), CEAPRED (NGO) and former bankers having 15-20 years of experience. The bank was registered on January 12, 2001 under Company Registration Act 1997. Similarly, Nepal Rastra Bank has provided operating license on July 3, 2001 under Bank and Financial Institution Act 2007.
Comparison of CBBL and DDBL
Following is the comparison
| Particulars “000” | CBBL | DDBL |
|---|---|---|
| Paid Up Capital | Rs. 2,876,369.83 | Rs. 1,526,248.17 |
| Reserve | Rs. 3,704,152.20 | Rs. 1,733,531.65 |
| Borrowings | Rs.5,056,582.11 | Rs. 8,179,034.62 |
| Deposits | Rs. 30,222,831.71 | Rs. 8,759,740.26 |
| Loans and Advances | Rs. 32,695,321.12 | Rs. 18,911,587.85 |
| Net interest Income | Rs. 2,117,056.52 | Rs. 940,957.11 |
| Personnel Expense | Rs. 778,457.78 | Rs. 459,543.34 |
| Impairment Charge | Rs. 24,409.35 | Rs. 46,052.00 |
| Net profit | Rs. 880,659.58 | Rs. 277,582.67 |
| Distributable profit | Rs. 1,306,248.75 | Rs. 580,257.10 |
| CAR | 17.35% | 14.05 % |
| NPL | 1.19% | 4.49% |
| EPS | 40.82 | Rs. 24.25 |
| Net Worth Per Share | 228.78 | Rs. 213.58 |
Note: All data are collected for educational purpose only.
Other Important Links:
a. EPS of Microfinance: CLICK HERE
b. EPS of Commercial Banks: CLICK HERE
