The commercial banks of Nepal have released their unaudited financial report for Q4 of the fiscal year 2081/82. The overall performance shows a strong improvement compared to the same period last year.
Overall Performance
All 20 commercial banks together made a net profit of Rs. 71.50 Arba, which is 43.39% higher than the Rs. 49.86 Arba they earned in FY 2080/81. This growth reflects improved earnings across most banks, although some institutions faced declines.
Nabil Bank Limited led the rankings with a net profit of Rs. 7.13 Arba, an increase of 15.01% compared to the previous year.
Nepal Investment Mega Bank followed with Rs. 6.76 Arba, and Global IME Bank secured the third position with Rs. 6.20 Arba.
At the other end of the spectrum, NIC Asia Bank reported the lowest net profit of Rs. 16 crores, a sharp 77.03% drop from last year’s Rs. 70 crores.
Top Growth Performers
Kumari Bank recorded the most remarkable jump in profits, with an increase of 45,820.14%, primarily due to adjustments in the previous year’s figures. Prabhu Bank and Nepal Bank also showed significant growth after revising past results.
Four banks, namely Standard Chartered Bank, Nepal SBI Bank, Citizens Bank International, and NIC Asia Bank, recorded lower profits than the previous year. Among them, NIC Asia saw the steepest decline.
Distributable Profit Per Share
When looking at distributable profit per share, Everest Bank Limited (EBL) led with Rs. 38.27 per share, followed by Sanima Bank Limited with Rs. 20.47 per share. Surprisingly, Nepal Investment Mega Bank, despite being second in total net profit, recorded the lowest positive figure at just Rs. 1.44 per share.
Four banks reported negative distributable profit per share during the quarter, indicating they may face challenges in dividend distribution.
| S. No | Commercial Banks | Symbol | Distributable Profit Per Share Q4 2081/82 (Rs.) |
|---|---|---|---|
| 1 | Everest Bank Limited | EBL | 38.27 |
| 2 | Sanima Bank Limited | SANIMA | 20.47 |
| 3 | Standard Chartered Bank Nepal Limited | SCB | 19.85 |
| 4 | Nabil Bank Limited | NABIL | 17.94 |
| 5 | Agricultural Development Bank Limited | ADBL | 15.58 |
| 6 | Prime Commercial Bank Limited | PCBL | 14.33 |
| 7 | Global IME Bank Limited | GBIME | 14.11 |
| 8 | Siddhartha Bank Limited | SBL | 13.22 |
| 9 | Laxmi Sunrise Bank Limited | LSL | 12.34 |
| 10 | Nepal SBI Bank Limited | SBI | 11.29 |
| 11 | NMB Bank Limited | NMB | 10.95 |
| 12 | Machhapuchchhre Bank Limited | MBL | 9.23 |
| 13 | Citizens Bank International Limited | CZBIL | 5.25 |
| 14 | Prabhu Bank Limited | PRVU | 4.44 |
| 15 | Rastriya Banijya Bank Limited | RBBL | 1.94 |
| 16 | Nepal Investment Mega Bank Limited | NIMB | 1.44 |
| 17 | Nepal Bank Limited | NBL | – |
| 18 | NIC Asia Bank Limited | NICA | – |
| 19 | Kumari Bank Limited | KBL | – |
| 20 | Himalayan Bank Limited | HBL | – |
Key Financial Highlights of Nepal’s Commercial Banks – Q4 FY 2081/82
| S. No | Commercial Banks | Symbol | Net Profit Q4 81-82 (in Arba) | Net Profit Q4 80-81 (in Arba) | Growth (%) |
|---|---|---|---|---|---|
| 1 | Nabil Bank | NABIL | 7.13 | 6.20 | 15.01 |
| 2 | Nepal Investment Mega Bank | NIMB | 6.76 | 4.11 | 64.46 |
| 3 | Global IME Bank | GBIME | 6.20 | 6.14 | 1.09 |
| 4 | Prabhu Bank | PRVU | 5.44 | 0.51 | 965.39 |
| 5 | Everest Bank | EBL | 4.92 | 3.70 | 32.89 |
| 6 | Agriculture Development Bank | ADBL | 4.15 | 2.90 | 43.39 |
| 7 | Laxmi Sunrise Bank | LSL | 4.12 | 2.88 | 40.96 |
| 8 | Prime Commercial Bank | PCBL | 4.02 | 3.51 | 14.47 |
| 9 | Rastriya Banijya Bank | RBBL | 3.82 | 2.55 | 49.53 |
| 10 | Nepal Bank | NBL | 3.77 | 0.03 | 13375.00 |
| 11 | Siddhartha Bank | SBL | 3.40 | 3.09 | 10.03 |
| 12 | NMB Bank | NMB | 3.28 | 2.24 | 46.42 |
| 13 | Standard Chartered Bank | SCB | 3.03 | 3.28 | -7.51 |
| 14 | Sanima Bank | SANIMA | 2.57 | 2.40 | 7.08 |
| 15 | Kumari Bank | KBL | 2.12 | 0.0046 | 45820.14 |
| 16 | Machhapuchchhre Bank | MBL | 2.01 | 1.05 | 92.44 |
| 17 | Nepal SBI Bank | SBI | 1.80 | 1.99 | -9.85 |
| 18 | Himalayan Bank | HBL | 1.51 | 1.23 | 22.13 |
| 19 | Citizens Bank International | CZBIL | 1.29 | 1.32 | -2.05 |
| 20 | NIC Asia Bank | NICA | 0.16 | 0.69 | -77.03 |
| Total | — | — | 71.50 | 49.86 | 43.39 |
| Industry Average | — | — | 3.58 | 2.49 | — |
