Muktinath Bikas Bank Becomes First Development Bank to Post Rs. 1.54 Arba Net Profit; EPS Soars to Rs. 21.82 in Q4 FY 2081/82
Fri, Aug 15, 2025 11:24 AM on Financial Analysis, Company Analysis, Latest,
Muktinath Bikas Bank Limited (MNBBBL) has set a new record as the first development bank in Nepal to post a net profit of Rs. 1.54 Arba for the fourth quarter of FY 2081/82, up 30.70% from Rs. 1.18 Arba in the same period last year.
The bank’s retained earnings surged to Rs. 1.46 Arba, a remarkable 651.15% growth, while operating profit rose by 30.55% to Rs. 2.23 Arba. Net interest income reached Rs. 4.56 Arba, up 7.5%, supported by a decline in impairment charges by 27.52%.
Deposits climbed to Rs. 1.17 Kharba, and loans and advances increased to Rs. 97.52 Arba. The bank maintained a capital adequacy ratio of 12.99% and an NPL ratio of 2.75%, with annualized EPS at Rs. 21.82 and net worth per share at Rs. 169.95.
Major Highlights
* Figures are of the Immediate Previous Year Quarter Ending
| Particulars (In Rs '000) | Muktinath Bikas Bank | ||
|---|---|---|---|
| Q4 2081/82 | Q4 2080/81 | Difference | |
| Paid Up Capital | 7,046,938.00 | 7,046,938.00* | 0.00% |
| Share Premium | - | - | - |
| Retained Earnings | 1,462,502.00 | 194,701.00* | 651.15% |
| Reserves | 3,467,022.00 | 3,187,868.00* | 8.76% |
| Deposits | 117,430,719.00 | 109,758,876.00* | 6.99% |
| Loans & Advances | 97,515,825.00 | 91,907,309.00* | 6.10% |
| Net Interest Income | 4,557,223.00 | 4,239,341.00 | 7.50% |
| Personnel Expenses | 1,654,266.00 | 1,555,408.00 | 6.36% |
| Impairment Charges/(Reversal) for loans and advances | 563,033.00 | 776,782.00 | -27.52% |
| Operating Profit | 2,230,448.00 | 1,708,446.00 | 30.55% |
| Net Profit | 1,537,431.00 | 1,176,335.00 | 30.70% |
| Distributable Profit/ (Loss) after P/L Appropriation and Regulatory Adjustments | 1,462,502.00 | 194,701.00 | 651.15% |
| Capital Adequacy (%) | 12.99 | 11.69 | 11.12% |
| Non- Performing Loan (NPL)(%) | 2.75 | 2.37 | 16.03% |
| Cost of Fund (%) | 4.90 | 6.54 | -25.08% |
| Annualized EPS (In Rs.) | 21.82 | 16.69 | 30.70% |
| Net Worth per Share (In Rs.) | 169.95 | 148.00 | 14.83% |
| Qtr end PE Ratio (times) | 18.61 | ||
| Qtr End Market Price | 405.92 | - | - |
