Century Commercial Bank (XNEP:CCBL) Effective Interest Rate on Debt %: 404.41% (As of Oct. 2022)

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XNEP:CCBL Century Commercial Bank Ltd XNEP:CCBL
25 GF Score
Price NPR199.50
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What is Century Commercial Bank Effective Interest Rate on Debt %?

Century Commercial Bank XNEP:CCBL 25 Effective Interest Rate on Debt % is 404.41% as of Oct. 2022. GuruFocus rates XNEP:CCBL with a GF Score™ of 25/100.

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. Century Commercial Bank's annualized positive value of Interest Expense for the quarter that ended in Oct. 2022 was NPR8,897 Mil. Century Commercial Bank's average total debt for the quarter that ended in Oct. 2022 was NPR2,200 Mil. Therefore, Century Commercial Bank's annualized Effective Interest Rate on Debt % for the quarter that ended in Oct. 2022 was 404.41%.


Century Commercial Bank  (XNEP:CCBL) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.


Century Commercial Bank Effective Interest Rate on Debt % Related Terms


Century Commercial Bank Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Century Commercial Bank's Effective Interest Rate on Debt % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Century Commercial Bank Effective Interest Rate on Debt % Chart

Century Commercial Bank Annual Data
Trend Jul12 Jul13 Jul14 Jul15 Jul16 Jul17 Jul18 Jul19 Jul20 Jul21
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3,299.16 2,733.38 920.34 961.51 5,375.66

Century Commercial Bank Quarterly Data
Oct17 Jan18 Apr18 Jul18 Oct18 Jan19 Apr19 Jul19 Oct19 Jan20 Apr20 Jul20 Oct20 Jan21 Apr21 Jul21 Oct21 Jan22 Apr22 Oct22
Effective Interest Rate on Debt % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 19,166.52 2,260.11 1,267.63 0.00 404.41

XNEP:CCBL vs USB, PNC: Effective Interest Rate on Debt % Comparison

For the Banks - Regional subindustry, Century Commercial Bank's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Century Commercial Bank Effective Interest Rate on Debt % vs Banks Industry

For the Banks industry and Financial Services sector, Century Commercial Bank's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Century Commercial Bank's Effective Interest Rate on Debt % falls into.


XNEP:CCBL
25GF Score
Century Commercial Bank Ltd XNEP:CCBL
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Century Commercial Bank Effective Interest Rate on Debt % Calculation

Century Commercial Bank's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Jul. 2021 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Jul. 2020 )+Total Debt  (A: Jul. 2021 ))/ count )
=-1  *  -5171.14/( (165.508+26.883)/ 2 )
=-1  *  -5171.14/96.1955
=5,375.66 %

where

Total Debt  (A: Jul. 2020 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=165.508 + 0
=165.508

Total Debt  (A: Jul. 2021 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=26.883 + 0
=26.883

Century Commercial Bank's annualized Effective Interest Rate on Debt % for the quarter that ended in Oct. 2022 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Apr. 2022 )+Total Debt  (Q: Oct. 2022 ))/ count )
=-1  *  -8896.948/( (0+2200)/ 1 )
=-1  *  -8896.948/2200
=404.41 %

where

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is four times the quarterly (Oct. 2022) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

What does a Effective Interest Rate on Debt % of 404.41% mean?
Century Commercial Bank (XNEP:CCBL) has a Effective Interest Rate on Debt % of 404.41% as of Oct. 2022. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Century Commercial Bank and its competitors.
Is Century Commercial Bank's Effective Interest Rate on Debt % too high?
Century Commercial Bank's current Effective Interest Rate on Debt % is 404.41%. Overall, Century Commercial Bank has a GF Score™ of 25/100, reflecting its overall financial health beyond just this single metric.
How does Century Commercial Bank's Effective Interest Rate on Debt % compare to USB and PNC?
Century Commercial Bank's Effective Interest Rate on Debt % of 404.41% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Effective Interest Rate on Debt % for a Banks company?
A good Effective Interest Rate on Debt % depends on the Banks industry context. However, Effective Interest Rate on Debt % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Century Commercial Bank and its competitors. Century Commercial Bank's current Effective Interest Rate on Debt % is 404.41%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Century Commercial Bank stock overvalued right now?
Century Commercial Bank (XNEP:CCBL) has a current Effective Interest Rate on Debt % of 404.41%. The current Effective Interest Rate on Debt % is 404.41%. Century Commercial Bank's overall GF Score™ is 25/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For Century Commercial Bank (XNEP:CCBL), the current Effective Interest Rate on Debt % is 404.41% as of Oct. 2022. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Century Commercial Bank Business Description

Address Putalisadak, P.O Box 26100, Kathmandu, NPL
Century Commercial Bank Ltd is engaged in the commercial banking business. The principal activities are to provide commercial banking services including deposits, loans, agency services, trade finance services, investment and treasury operations, card services, e-commerce products, remittances, foreign currency operations and other financial services to its customers through its branches, extension counters, strategic business units, ATMs and network of agents. It also provides merchant/investment banking services. The bank derives a majority of the revenue from its loan products. It operates in seven domestic geographical regions, being Region A, Region B, Region C, Region D, Region E, Region F and Region G, of which key revenue is derived from the Region E.
25GF Score

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Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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