Nabil Bank’s Q4 FY 2081/82 Net Profit Climbs 15.01% to Rs. 7.13 Arba on Lower Impairment Charges and Strong Deposit Growth
Tue, Aug 12, 2025 7:25 AM on Financial Analysis, Company Analysis, Latest,
Nabil Bank Limited (NABIL) has published its financial results for the fourth quarter of FY 2081/82, reporting a notable improvement in profitability driven by higher operating income and reduced impairment charges.
The bank’s paid-up capital remained unchanged at Rs. 27.06 Arba, while retained earnings surged by 54.82% to Rs. 4.77 Arba. Reserves rose by 11.82% to Rs. 31.91 Arba. Deposits increased by 13.53% to Rs. 5.24 Kharba, and loans and advances to customers grew by 10.50% to Rs. 4.12 Kharba.
Net interest income was almost stable at Rs. 16.33 Arba, recording a marginal 0.06% increase. Personnel expenses rose by 12.17% to Rs. 5.23 Arba, while impairment charges dropped sharply by 48.30% to Rs. 2.40 Arba. This led to a 25.44% rise in operating profit, which reached Rs. 10.85 Arba. Net profit grew by 15.01% to Rs. 7.13 Arba.
The bank’s distributable profit after appropriation and regulatory adjustments stood at Rs. 4.77 Arba, marking a 54.82% rise. Capital adequacy declined slightly to 11.94% from 12.24%, while the non-performing loan (NPL) ratio improved to 4.27% from 4.45%. The cost of funds decreased to 4.41% from 5.86%. Earnings per share (EPS) increased to Rs. 26.34 from Rs. 22.90, and net worth per share rose by 8.63% to Rs. 235.58. At the end of the quarter, the bank’s price-to-earnings (P/E) ratio stood at 20.55 times, with a quarter-end market price of Rs. 541.37 per share.
Major Financial Highlights:
* Figures are of the Immediate Previous Year Quarter Ending
| Particulars (In Rs '000) | Nabil Bank | ||
|---|---|---|---|
| Q4 2081/82 | Q4 2080/81 | Difference | |
| Paid Up Capital | 27,056,997.00 | 27,056,997.00* | 0.00% |
| Retained Earnings | 4,773,059.00 | 3,082,904.00* | 54.82% |
| Reserves | 31,909,517.00 | 28,537,033.00* | 11.82% |
| Deposits | 524,625,959.00 | 462,097,419.00* | 13.53% |
| Loan and advances to Customers | 412,795,547.00 | 373,574,157.00* | 10.50% |
| Net Interest Income | 16,327,297.00 | 16,317,315.00 | 0.06% |
| Personnel Expenses | 5,228,148.00 | 4,660,876.00 | 12.17% |
| Impairment Charges | 2,397,906.00 | 4,637,739.00 | -48.30% |
| Operating Profit | 10,847,850.00 | 8,647,637.00 | 25.44% |
| Net Profit | 7,127,566.00 | 6,197,109.00 | 15.01% |
| Distributable Profit/ (Loss) after P/L Appropriation and Regulatory Adjustments | 4,773,059.00 | 3,082,904.00 | 54.82% |
| Capital Adequacy (%) | 11.94 | 12.24 | -2.45% |
| NPL% | 4.27 | 4.45 | -4.04% |
| Cost of Fund (%) | 4.41 | 5.86 | -24.74% |
| EPS (In Rs.) | 26.34 | 22.90 | 15.01% |
| Net Worth per Share (In Rs.) | 235.58 | 216.86 | 8.63% |
| Qtr end PE Ratio (times) | 20.55 | ||
| Qtr End Market Price | 541.37 | - | - |
