Prime Commercial Bank Reports 28.49% Rise in Net Profit to Rs. 4.11 Arba in Q4 FY 2082/83; Impairment Charges Down 36.06%
Fri, Aug 14, 2026 8:17 AM on Financial Analysis, Highlight News, Company Analysis,
Prime Commercial Bank Limited (PCBL) has reported a 28.49% increase in net profit in the fourth quarter of FY 2082/83, earning Rs. 4.11 Arba compared to Rs. 3.20 Arba in the corresponding quarter of the previous fiscal year.
The bank’s paid-up capital increased by 8% to Rs. 20.95 Arba from Rs. 19.40 Arba. Retained earnings rose 10.05% to Rs. 1.91 Arba, while reserves increased by 18.90% to Rs. 13.98 Arba.
Prime Commercial Bank’s deposits grew 5.46% to Rs. 2.78 Kharba from Rs. 2.63 Kharba a year earlier. Loans and advances increased 8.29% to Rs. 2.26 Kharba from Rs. 2.09 Kharba.
Net interest income rose 3.30% to Rs. 9.21 Arba, while personnel expenses increased 6.80% to Rs. 2.45 Arba. Meanwhile, impairment charges declined by 36.06% to Rs. 1.74 Arba from Rs. 2.72 Arba.
The bank’s operating profit surged 26.94% to Rs. 6.83 Arba from Rs. 5.38 Arba in the previous fiscal year. The capital adequacy ratio improved to 12.87% from 11.33%, indicating a stronger capital position.
However, the bank’s non-performing loan (NPL) ratio increased to 6.69% from 5.81%, reflecting a rise in non-performing assets.
Prime Commercial Bank’s cost of funds declined significantly by 26.87% to 3.81% from 5.21%. The bank’s earnings per share (EPS) increased 18.97% to Rs. 19.63 from Rs. 16.50.
Net worth per share also increased 3.71% to Rs. 175.80 from Rs. 169.52.
At the end of the review quarter, the bank’s share price stood at Rs. 239.90, with its price-to-earnings (P/E) ratio recorded at 12.22 times.
Major Financial Highlights:
| Particulars (In Rs '000) | Prime Commercial Bank Limited | ||
| Q4 2082/83 | Q4 2081/82 | Difference | |
| Paid Up Capital | 20,954,781.77 | 19,402,575.72 | 8.00% |
| Share Premium | 0.00 | 0.00 | |
| Retained Earnings | 1,907,412.91 | 1,733,299.52 | 10.05% |
| Reserves | 13,976,198.68 | 11,754,603.02 | 18.90% |
| Deposit | 277,743,614.74 | 263,360,694.62 | 5.46% |
| Loans & Advances | 226,441,101.96 | 209,099,209.92 | 8.29% |
| Net Interest Income | 9,212,693.62 | 8,918,162.53 | 3.30% |
| Personnel Expenses | 2,449,910.62 | 2,293,842.00 | 6.80% |
| Impairment Charges | 1,739,643.64 | 2,720,743.76 | -36.06% |
| Operating Profit | 6,833,055.45 | 5,382,789.88 | 26.94% |
| Net Profit | 4,112,568.80 | 3,200,758.96 | 28.49% |
| Distributable Profit/ (Loss) after P/L Appropriation and Regulatory Adjustments | 1,907,412.91 | 1,733,299.52 | - |
| Capital Adequacy (%) | 12.87 | 11.33 | 13.59% |
| NPL (%) | 6.69 | 5.81 | |
| Cost of Fund (%) | 3.81 | 5.21 | -26.87% |
| EPS (In Rs.) | 19.63 | 16.50 | 18.97% |
| Net Worth per Share (In Rs.) | 175.80 | 169.52 | 3.71% |
| Qtr end PE Ratio (times) | 12.22 | - | - |
| Qtr End Market Price | 239.9 | - | - |
