Kumari Bank’s Net Profit Surges 305.96% to Rs. 7.38 Arba in Q4 FY 2082/83; EPS at Rs. 28.17
Wed, Aug 12, 2026 11:01 AM on Financial Analysis, Highlight News, Company Analysis,
Kumari Bank Limited (KBL) has released its unaudited fourth-quarter financial results for FY 2082/83, reporting a 305.96% surge in net profit. The bank earned Rs. 7.38 Arba during the quarter, compared to Rs. 1.81 Arba in the corresponding quarter of the previous fiscal year.
The bank’s paid-up capital remained unchanged at Rs. 26.22 Arba. Meanwhile, retained earnings improved considerably, with accumulated losses narrowing from Rs. 3.84 Arba in Q4 FY 2081/82 to Rs. 79.16 Crores in Q4 FY 2082/83. Reserves increased by 20.60% to Rs. 17.77 Arba.
Customer deposits grew 10.45% to Rs. 4.02 Kharba, while loans and advances increased 4.07% to Rs. 2.70 Kharba from Rs. 2.60 Kharba a year earlier.
Net interest income rose 3.37% to Rs. 12.01 Arba. Meanwhile, impairment charges shifted from a positive Rs. 3.45 Arba to a negative Rs. 1.43 Arba, representing a decline of 141.72%. Operating profit surged 101.09% to Rs. 11.23 Arba, compared to Rs. 5.58 Arba in the previous fiscal year.
Kumari Bank’s capital adequacy ratio improved to 9.92% from 8.51%, indicating an improvement in its capital position. However, the bank’s NPL ratio increased slightly to 7.46% from 6.95%, pointing to higher non-performing assets.
The cost of funds declined significantly by 22.57% to 3.67%, compared to 4.74% in the previous year.
The bank’s EPS jumped to Rs. 28.17 from Rs. 6.94, while net worth per share increased 20.68% to Rs. 170.80. At the end of the quarter, the bank’s P/E ratio stood at 7.46 times, with its market price recorded at Rs. 210 per share.
Major Financial Highlights:
| Particulars (In Rs '000) | Kumari Bank Limited | ||
| Q4 2082/83 | Q4 2081/82 | Difference | |
| Paid Up Capital | 26,225,861.34 | 26,225,861.34 | 0.00% |
| Share Premium | 0.00 | 0.00 | |
| Retained Earnings | 791,661.68 | -3,849,526.72 | -120.57% |
| Reserves | 17,776,548.14 | 14,740,492.12 | 20.60% |
| Deposit | 402,736,207.79 | 364,639,161.51 | 10.45% |
| Loans & Advances | 270,922,251.96 | 260,322,398.32 | 4.07% |
| Net Interest Income | 12,013,083.60 | 11,621,545.97 | 3.37% |
| Personnel Expenses | 4,892,098.68 | 4,311,039.37 | 13.48% |
| Impairment Charges | -1,439,965.06 | 3,451,421.34 | -141.72% |
| Operating Profit | 11,235,525.92 | 5,587,195.54 | 101.09% |
| Net Profit | 7,387,197.91 | 1,819,698.65 | 305.96% |
| Distributable Profit/ (Loss) after P/L Appropriation and Regulatory Adjustments | 791,661.68 | -3,849,526.72 | - |
| Capital Adequacy (%) | 9.92 | 8.51 | 16.57% |
| NPL (%) | 7.46 | 6.95 | |
| Cost of Fund (%) | 3.67 | 4.74 | -22.57% |
| EPS (In Rs.) | 28.17 | 6.94 | 305.96% |
| Net Worth per Share (In Rs.) | 170.80 | 141.53 | 20.68% |
| Qtr end PE Ratio (times) | 7.46 | - | - |
| Qtr End Market Price | 210 | - | - |
