Everest Bank Reports Rs. 9.12 Arba Core Revenue, Net Profit Surges 32.81% in FY 2081/82
Mon, Aug 11, 2025 7:50 AM on Financial Analysis, Company Analysis, Latest,
Everest Bank Limited (EBL) has recorded a net profit of Rs. 4.91 Arba in the fourth quarter of FY 2081/82, marking a 32.81% rise from Rs. 3.70 Arba in the same period last fiscal year. The growth was driven by a 19.36% increase in net interest income, which reached Rs. 9.12 Arba compared to Rs. 7.64 Arba in the previous year.
Deposits from customers surged 28.63% to Rs. 2.98 Kharba, while loans and advances to customers grew 19.87% to Rs. 2.13 Kharba. Retained earnings jumped 50.03% to Rs. 4.95 Arba, and reserves expanded by 11.12% to Rs. 13.88 Kharba.
Operating profit for the period rose 31.63% to Rs. 7.45 Arba, supported by reduced impairment charges, which shifted to a gain of Rs. 16.17 crore from a loss of Rs. 28.24 crore in the previous fiscal year. The bank also reduced its cost of funds by 31.38% to 3.87%, enhancing profitability.
Key ratios reflected improvements, with annualized earnings per share (EPS) rising to Rs. 37.99 from Rs. 31.47, and net worth per share increasing to Rs. 247.39. Non-performing loans (NPL) declined sharply to 0.38% from 0.71%, while the capital adequacy ratio improved to 13.28% from 12.30%.
The bank’s shares closed the quarter at Rs. 701.56, translating to a price-to-earnings (P/E) ratio of 18.47 times.
Major Financial Highlights:
* Figures are of the Immediate Previous Year Quarter Ending
| Particulars (In Rs '000) | Everest Bank | ||
|---|---|---|---|
| Q4 2081/82 | Q4 2080/81 | Difference | |
| Paid Up Capital | 12,944,694.00 | 11,767,904.00* | 10.00% |
| Share Premium | 238,470.00 | 238,470.00* | 0.00% |
| Retained Earnings | 4,954,470.00 | 3,302,369.00* | 50.03% |
| Reserves | 13,885,917.00 | 12,496,041.00* | 11.12% |
| Deposits | 298,818,400.00 | 232,316,605.00* | 28.63% |
| Borrowings | 1,100,976.00 | 2,349,196.00* | -53.13% |
| Loan and advances to Customers | 213,623,545.00 | 178,215,399.00* | 19.87% |
| Net Interest Income | 9,129,388.00 | 7,648,325.00 | 19.36% |
| Personnel Expenses | 2,608,065.00 | 2,410,514.00 | 8.20% |
| Impairment Charges | -161,722.00 | 282,404.00 | - |
| Operating Profit | 7,454,235.00 | 5,663,071.00 | 31.63% |
| Net Profit | 4,918,165.00 | 3,703,225.00 | 32.81% |
| Distributable Profit/ (Loss) after P/L Appropriation and Regulatory Adjustments | 4,954,470.00 | 3,302,369.00 | - |
| Capital Adequacy (%) | 13.28 | 12.30 | 7.97% |
| NPL% | 0.38 | 0.71 | -46.48% |
| Cost of Fund (%) | 3.87 | 5.64 | -31.38% |
| Annualized EPS (In Rs.) | 37.99 | 31.47 | 20.73% |
| Net Worth per Share (In Rs.) | 247.39 | 236.28 | 4.70% |
| Qtr end PE Ratio (times) | 18.47 | ||
| Qtr End Market Price | 701.56 | - | - |
