NIFRA Reports Notable 36.15% Decline in Net Profit for Q2, 2082/83, With EPS at Rs. 3.80
Wed, Jan 21, 2026 12:39 PM on Company Analysis, Latest,
Nepal Infrastructure Bank Limited (NIFRA) has reported a net profit of Rs. 40.99 Crores in the Second quarter of Fiscal Year 2082/83, reflecting a notable decline of 36.15% compared to Rs. 64.19 Crores earned during the same period last fiscal year.
The bank maintains a total paid-up capital of Rs. 21.6 Arba and reserves and surplus reaching Rs. 3.18 Arba. However, net interest income fell by 29.09%, amounting to Rs. 74.07 crores against Rs. 1.04 arba in previous fiscal year.
NIFRA's core operations depict deposits from customers standing at Rs. 8.11 Arba and loans and advances reaching Rs. 27.41 Arba. The bank's personnel expenses declined by 24.77 % to Rs. 10.11 crores.
Distributable profit after P/L appropriation and regulatory adjustments declined to Rs. 34.78 crores , marking a 33.37% decrease from Rs. 64.18 crores in the previous fiscal year.
NIFRA's capital adequacy ratio decreased to 72.40% from 80.18%, while the cost of fund decrease sightly to 6.27%, down from 6.89%. Annualized Earnings per share (EPS) declined to Rs. 3.80 from Rs. 5.94. Networth per share stood at Rs.114.75 for the second quarter of this fiscal year.
The quarter-end PE ratio stood at 68.50 times, with a closing market price of Rs. 260.
| Particulars (In Rs '000) | Nepal Infrastructure Bank Limited | ||
|---|---|---|---|
| Q2 2082/83 | Q2 2081/82 | Difference | |
| Paid Up Capital | 21,600,000.00 | 21,600,000.00 | 0.00% |
| Reserves | 3,185,732.00 | 3,572,539.00 | -10.83% |
| Deposits | 8,116,274.00 | 7,515,539.00 | 7.99% |
| Loans and Advances | 27,411,623.00 | 23,262,586.00 | 17.84% |
| Net Interest Income | 740,720.00 | 1,044,533.00 | -29.09% |
| Personal Expenses | 101,164.00 | 134,472.00 | -24.77% |
| Impairment Charges/(Reversal) for loans and advances | 29,401.00 | -22,889.00 | - |
| Operating Profit | 586,590.00 | 917,189.00 | -36.04% |
| Net Profit | 409,940.00 | 641,986.00 | -36.15% |
| Distributable Profit/(loss) after P/L Appropriation and Regulatory Adjustments | 347,892.00 | 522,111.00 | -33.37% |
| Capital Adequancy(%) | 72.49 | 80.18 | -9.59% |
| Cost of Fund | 6.27 | 6.89 | -9.00% |
| Annualized EPS (In Rs.) | 3.80 | 5.94 | -36.15% |
| Net Worth per Share (In Rs.) | 114.75 | 116.54 | -1.54% |
| Qtr end PE Ratio (times) | 68.50 | - | - |
| Qtr End Market Price | 260 | - | - |
