As we know all 28 commercial banks has published the second quarter report of this fiscal year 2074/75. Many shareholders are analyzing the report to make their investment portfolios. All most all investors follow key indicators like Net profit, EPS, Net worth, PE , ROE, ROA etc. to make investment decision.
Financial institutions majorly earned through floating a deposits into loans. They charges interest to customers while landing loans which are income of BFIs. Such interest income consist some degree of risks.
But BFIs also earned risk free incomes which are called non-interest income. Fees, Commission & discount income are rick fee income. Financial institutions earn a significant portion of their income through fees, commission & Discount.
BFIs charges customers in different headings & generate revenue. Charges that generate fees incomes for BFIs are overdraft fees, late fees, over the limit fees, wire transfers fees, monthly & annual services charges for ATMs, mobile banking services etc. BFIs also sell insurance policy & others for getting commission. Such incomes don’t have any risks for financial institutions. They simply get income for providing services for their customers.
Let analyze 28 commercial Banks in terms of Fees, Commissions & Discount income in the second quarter of FY 2074/75.
Which are the top three Commercial banks in terms of Fees, commission & discount?
Nepal investment Bank limited stood at top among other banks. It has earned 49.80 crore of fees, commissions & discount income in the second quarter of FY 2074/75.
Secondly Nepal bank limited eared 35.35 crore. Thirdly Nepal Bangladesh bank earned 33.37 crore where as Century commercial bank earned 3.8 crore & stood at last 28 positions.
Which bank made a massive growth in terms of Fees, commissions & discount as compare to Q2 of FY 2074/75?
In the comparative study Janata Bank Nepal limited stood at top position, as its earned growth by 123.2%. It has earned 5.04 corore from 2.26 crore in the Q2 of last year.
Secondly, Prime commercial bank earning raise by 110.61% to 24.36 corre from 11.56 crore in the last year.
Thirdly, Nepal Bank limited earning raise by 92.61% to 3.53 crore to 1.83 crore.
Himalayan bank stood at last position as its Fees, commission decreased by 9.145. HBL has earned 3.09 crore.
Disclaimers: Information provide in this articles are based on unaudited report published by BFIs. Please don’t use this information as sole advice for making investment portfolios. Before taking decision make judgment for your appropriateness. Trade in your own risk.
