Garima Bikas Bank Reports 201.97% Surge in Net Profit in Q4 FY 2081/82; Impairment Charges Fallen By 68.56%
Fri, Aug 15, 2025 8:57 AM on Latest, Financial Analysis, Company Analysis,
Garima Bikas Bank Limited (GBBL) has reported a significant growth in its financial performance for the fourth quarter of FY 2081/82.
The development bank posted a net profit of Rs. 1.31 Arba, marking a 201.97% increase from Rs. 43.39 crore in the same period last year. The rise was supported by an improvement in net interest income, which climbed 9.91% to Rs. 3.64 Arba compared to Rs. 3.31 Arba in Q4 2080/81.
Deposits grew by 6.96% to Rs. 90.12 Arba, while loans and advances increased by 7.32% to Rs. 69.32 Arba. The bank’s operating profit surged by 195.58% to Rs. 1.89 Arba. Impairment charges for loans and advances fell sharply by 68.56% to Rs. 53.79 crore.
Key financial ratios improved during the review period. The capital adequacy ratio stood at 13.47%, while NPL declined to 4.72% from 4.85% a year earlier. The cost of funds decreased to 4.84% from 6.64%. Annualized EPS increased to Rs. 23.07, and net worth per share reached Rs. 164.17.
Major Highlights
* Figures are of the Immediate Previous Year Quarter Ending
| Particulars (In Rs '000) | Garima Bikas Bank | ||
|---|---|---|---|
| Q4 2081/82 | Q4 2080/81 | Difference | |
| Paid Up Capital | 5,680,517.33 | 5,680,517.33* | 0.00% |
| Share Premium | - | - | - |
| Retained Earnings | 714,978.29 | 286,403.06* | 149.64% |
| Reserves | 2,930,449.87 | 2,291,143.49* | 27.90% |
| Deposits | 90,115,629.86 | 84,252,756.13* | 6.96% |
| Loans & Advances | 69,316,485.05 | 64,590,517.90* | 7.32% |
| Net Interest Income | 3,643,300.59 | 3,314,771.39 | 9.91% |
| Personnel Expenses | 1,163,151.83 | 823,259.47 | 41.29% |
| Impairment Charges/(Reversal) for loans and advances | 537,953.73 | 1,711,042.28 | -68.56% |
| Operating Profit | 1,898,037.53 | 642,131.77 | 195.58% |
| Net Profit | 1,310,392.59 | 433,951.86 | 201.97% |
| Distributable Profit/ (Loss) after P/L Appropriation and Regulatory Adjustments | 714,978.29 | 286,403.06 | 149.64% |
| Capital Adequacy (%) | 13.47 | 13.29 | 1.35% |
| Non- Performing Loan (NPL)(%) | 4.72 | 4.85 | -2.68% |
| Cost of Fund (%) | 4.84 | 6.64 | -27.11% |
| Annualized EPS (In Rs.) | 23.07 | 7.64 | 201.97% |
| Net Worth per Share (In Rs.) | 164.17 | 145.38 | 12.93% |
| Qtr end PE Ratio (times) | 18.57 | ||
| Qtr End Market Price | 428.36 | - | - |
