Nepal Rastra Bank has published the financial report for commercial and development banks for the past four months up to Kartik in the fiscal year 2081/82. The report highlights that commercial banks outperformed development banks in terms of net profit. Commercial banks achieved a combined net profit of Rs. 22.29 Arba, significantly higher than the Rs. 2.03 Arba recorded by development banks.
Commercial Banks
Among the commercial banks in Nepal, Nabil Bank once again secured the top position, earning a net profit of Rs. 2.69 Arba. In contrast, the Agriculture Development Bank was the only commercial bank to report a loss, recording a net loss of Rs. 22.77 Crores, the weakest performance in the sector.
Global IME Bank was the second-highest profit earner with Rs. 2.11 Arba, while Nepal Investment Mega Bank ranked third with a profit of Rs. 1.82 Arba. Prime Commercial Bank and Kumari Bank also delivered notable performances during these four months. The commercial banking sector recorded a combined net profit of Rs. 22.29 Arba. The detailed performance of all commercial banks is listed below.
| S. No. | Commercial Bank | Net Profit (Rs in Million) |
|---|---|---|
| 1 | Nabil Bank Limited | 2,691.04 |
| 2 | Global IME Bank Limited | 2,114.04 |
| 3 | Nepal Investment Mega Bank Limited | 1,820.90 |
| 4 | Prime Commercial Bank Limited | 1,626.44 |
| 5 | Kumari Bank Limited | 1,590.49 |
| 6 | Everest Bank Limited | 1,509.30 |
| 7 | NMB Bank Limited | 1,483.23 |
| 8 | Prabhu Bank Limited | 1,231.06 |
| 9 | Standard Chartered Bank Nepal Limited | 1,137.31 |
| 10 | Laxmi Sunrise Bank Limited | 1,069.46 |
| 11 | Nepal SBI Bank Limited | 1,007.10 |
| 12 | Nepal Bank Limited | 938.82 |
| 13 | Himalayan Bank Limited | 918.87 |
| 14 | Machhapuchchhre Bank Limited | 689.73 |
| 15 | Siddhartha Bank Limited | 667.80 |
| 16 | Sanima Bank Limited | 651.30 |
| 17 | Rastriya Banijya Bank | 552.75 |
| 18 | Citizens Bank International Limited | 438.64 |
| 19 | NIC Asia Bank Limited | 388.14 |
| 20 | Agricultural Development Bank Limited | -227.76 |
Development Banks
There are currently 17 development banks in Nepal. Among them, 9 banks reported profits, while 8 banks faced losses during the review period. Despite this, the development banking sector collectively achieved a net profit of Rs. 2.03 Arba.
Muktinath Bikas Bank led the development banks, earning a net profit of Rs. 42.29 Crores. Garima Bikas Bank ranked second with a profit of Rs. 36.84 Crores, followed by Shine Resunga Development Bank with Rs. 35.43 Crores. Jyoti Bikas Bank and Miteri Development Bank reported smaller profits of Rs. 66.4 lakhs and Rs. 56 lakhs, respectively.
On the other hand, Narayani Development Bank, Saptakoshi Development Bank, Sindhu Bikas Bank, Karnali Development Bank, Green Development Bank, Salapa Development Bank, Corporate Development Bank, and Excel Development Bank posted losses during the review period, with Excel Development Bank reporting the highest loss of Rs. 21.76 Crores.
The list of all the banks with their performance is given below:
| S. No. | Development Bank | Net Profit (Rs in Million) | Net Loss (Rs in Million) |
|---|---|---|---|
| 1 | Muktinath Bikas Bank | 422.49 | – |
| 2 | Garima Bikas Bank | 368.43 | – |
| 3 | Shine Resunga Development Bank | 354.34 | – |
| 4 | Lumbini Bikas Bank | 293.72 | – |
| 5 | Kamana Sewa Bikas Bank | 247.12 | – |
| 6 | Mahalaxmi Bikas Bank | 201.60 | – |
| 7 | Shangrila Development Bank | 136.83 | – |
| 8 | Jyoti Bikash Bank | 6.64 | – |
| 9 | Miteri Development Bank | 5.60 | – |
| 10 | Green Development Bank | – | 7.54 |
| 11 | Salapa | – | 8.44 |
| 12 | Corporate Development Bank | – | 9.30 |
| 13 | Saptakoshi Development Bank | – | 18.90 |
| 14 | Sindhu Bikas Bank | – | 25.86 |
| 15 | Narayani Development Bank | – | 58.38 |
| 16 | Karnali Development Bank | – | 82.21 |
| 17 | Excel Development Bank | – | 217.62 |
