Nabil Bank's Q4 Profit Surges 33.50%; Distributable Profit Climbs to Rs. 5.16 Arba
Wed, Aug 5, 2026 10:00 AM on Financial Analysis, Highlight News, Company Analysis,
Nabil Bank Limited (NABIL) has released its fourth-quarter financial results for FY 2082/83, posting a strong improvement in profitability, supported by higher operating income and a significant decline in impairment charges.
The bank's paid-up capital stood at Rs. 32.05 Arba, including preference shares, while retained earnings increased by 34.07% year-on-year to Rs. 5.16 Arba. Total reserves grew by 11.82% to Rs. 34.68 Arba. Customer deposits rose by 12.95% to Rs. 5.92 Kharba, while loans and advances expanded by 12.00% to Rs. 4.60 Kharba.
Net interest income reached Rs. 17.00 Arba, reflecting a 4.18% increase from the previous year. Personnel expenses climbed 5.35% to Rs. 5.31 Arba, whereas impairment charges declined sharply by 36.28% to Rs. 2.67 Arba. Backed by the lower provisioning expenses, operating profit surged 25.22% to Rs. 11.56 Arba, while net profit increased 33.50% year-on-year to Rs. 7.90 Arba.
Following appropriations and regulatory adjustments, the bank's distributable profit stood at Rs. 5.16 Arba, up 34.07% from the previous year.
On the prudential front, the Capital Adequacy Ratio (CAR) improved to 12.37%, compared to 11.81% a year earlier. The Non-Performing Loan (NPL) ratio stood at 4.20%, down from 4.48% in the corresponding period last year, indicating an improvement in asset quality. Meanwhile, the cost of funds declined to 3.09% from 4.41%.
The bank reported an Earnings Per Share (EPS) of Rs. 27.74, compared to Rs. 34.13 in the previous year, while Net Worth Per Share increased to Rs. 247.28. Based on the quarter-end market price of Rs. 534.90, Nabil Bank's Price-to-Earnings (P/E) ratio stood at 19.28 times.
Major Financial Highlights:
| Particulars (In Rs '000) | Nabil Bank Limited | ||
| Q4 2082/83 | Q4 2081/82 | Difference | |
| Paid Up Capital | 32,056,977.00 | 27,056,997.00 | 18.48% |
| 8% Preference Share | 5,000,000.00 | - | - |
| Paid Up Excluding Pref. Share | 27,056,977.00 | - | - |
| Retained Earnings | 5,169,148.00 | 3,855,506.00 | 34.07% |
| Reserves | 34,680,420.00 | 31,621,648.00 | 9.67% |
| Deposit | 592,559,395.00 | 524,625,959.00 | 12.95% |
| Loans & Advances | 460,317,774.00 | 410,992,041.00 | 12.00% |
| Net Interest Income | 17,009,288.00 | 16,327,281.00 | 4.18% |
| Personnel Expenses | 5,318,993.00 | 5,048,935.00 | 5.35% |
| Impairment Charges | 2,677,173.00 | 4,201,412.00 | -36.28% |
| Operating Profit | 11,564,526.00 | 9,235,458.00 | 25.22% |
| Net Profit | 7,905,796.00 | 5,922,144.00 | 33.50% |
| Distributable Profit/ (Loss) after P/L Appropriation and Regulatory Adjustments | 5,169,148.00 | 3,855,506.00 | 34.07% |
| Capital Adequacy (%) | 12.37 | 11.81 | 4.74% |
| NPL (%) | 4.2 | 4.48 | -6.25% |
| Cost of Fund (%) | 3.09 | 4.41 | -29.93% |
| EPS (In Rs.) | 27.74 | 34.13 | -18.73% |
| Net Worth per Share (In Rs.) | 247.28 | 114.2 | 116.44% |
| Qtr end PE Ratio (times) | 19.28 | - | - |
| Qtr End Market Price | 534.9 | - | - |
