NMB Bank’s Q4 FY 2081/82 Net Profit Soars 46.22% to Rs. 3.28 Arba; Distributable Profit Hits Rs. 1.91 Arba
Tue, Aug 12, 2025 7:50 AM on Financial Analysis, Company Analysis, Latest,
NMB Bank (NMB) has posted strong financial results for the fourth quarter of FY 2081/82, with net profit soaring by 46.22% to Rs. 3.28 Arba, supported by significant loan growth, higher net interest income, and a significant reduction in impairment charges. The bank’s paid-up capital remained unchanged at Rs. 18.37 Arba, while retained earnings turned positive, reaching Rs. 1.91 Arba from a negative balance of Rs. 9.384 crores in the previous year. Reserves rose by 15.21% to Rs. 12.33 Arba.
Deposits climbed by 25.45% to Rs. 2.80 Kharba, and loans and advances to customers increased by 17.92% to Rs. 2.29 Kharba. Borrowings fell sharply by 65.48% to Rs. 3.99 Arba. Net interest income grew by 11.14% to Rs. 8.02 Arba, while personnel expenses rose by 16.93% to Rs. 3.08 Arba. Impairment charges dropped by 52.99% to Rs. 95.81 Crore, contributing to a 64.46% jump in operating profit to Rs. 5.35 Arba.
The bank’s distributable profit after appropriation and regulatory adjustments stood at Rs. 1.91 Arba. Capital adequacy decreased to 12.03% from 12.84%, while the non-performing loan (NPL) ratio increased to 3.72% from 3.40%. The cost of funds declined sharply to 5.06% from 7.31%. Earnings per share (EPS) surged to Rs. 17.87 from Rs. 12.22, and net worth per share improved by 12.53% to Rs. 177.50. At the end of Q4 FY 2081/82, NMB Bank’s price-to-earnings (P/E) ratio stood at 15.10 times, with a quarter-end market price of Rs. 269.72 per share.
Major Financial Highlights:
* Figures are of the Immediate Previous Year Quarter Ending
| Particulars (In Rs '000) | NMB Bank | ||
|---|---|---|---|
| Q4 2081/82 | Q4 2080/81 | Difference | |
| Paid Up Capital | 18,366,706.00 | 18,366,706.00* | 0.00% |
| Retained Earnings | 1,909,467.00 | -93,841.00* | - |
| Reserves | 12,325,588.00 | 10,698,646.00* | 15.21% |
| Deposits | 280,926,468.00 | 223,942,592.00* | 25.45% |
| Borrowing | 3,987,500.00 | 11,552,656.00* | -65.48% |
| Loan and advances to Customers | 229,119,342.00 | 194,304,186.00* | 17.92% |
| Net Interest Income | 8,020,894.00 | 7,216,743.00 | 11.14% |
| Personnel Expenses | 3,080,564.00 | 2,634,448.00 | 16.93% |
| Impairment Charges | 958,082.00 | 2,037,967.00 | -52.99% |
| Operating Profit | 5,350,207.00 | 3,253,098.00 | 64.46% |
| Net Profit | 3,281,791.00 | 2,244,395.00 | 46.22% |
| Distributable Profit/ (Loss) after P/L Appropriation and Regulatory Adjustments | 1,909,467.00 | -93,841.00 | - |
| Capital Adequacy (%) | 12.03 | 12.84 | -6.31% |
| NPL% | 3.72 | 3.40 | 9.41% |
| Cost of Fund (%) | 5.06 | 7.31 | -30.78% |
| EPS (In Rs.) | 17.87 | 12.22 | 46.22% |
| Net Worth per Share (In Rs.) | 177.50 | 157.74 | 12.53% |
| Qtr end PE Ratio (times) | 15.10 | ||
| Qtr End Market Price | 269.72 | - | - |
