Global IME Bank Posts Marginal Profit Growth in Q4, Retained Earnings Surge Nearly Tenfold
Wed, Aug 13, 2025 9:47 AM on Financial Analysis, Company Analysis, Latest,
Global IME Bank Limited (GBIME) closed the fourth quarter of FY 2081/82 with a net profit of Rs. 6.20 Arba, marking a modest 1.10% increase from Rs. 6.13 Arba in the same period last year. Annualized earnings per share stood at Rs. 16.28, slightly lower than last year’s Rs. 16.99, while the price-to-earnings ratio at the quarter’s close was 15.95 times based on a market price of Rs. 259.57.
The bank’s retained earnings jumped 961.60% to Rs. 5.37 Arba, a significant improvement from Rs. 50.67 Crore a year earlier, mainly due to higher distributable profit. Paid-up capital grew 5.50% to Rs. 38.11 Arba, while reserves dipped slightly by 2.27% to Rs. 24.21 Arba.
Customer deposits reached Rs. 5.50 Kharba, up 12.96% year-on-year, and loans and advances to customers rose 11.47% to Rs. 4.11 Kharba. Borrowings increased modestly by 2.42% to Rs. 12.39 Arba. The cost of funds improved considerably to 4.30% from 6.21% in the previous year.
Net interest income slipped marginally by 0.85% to Rs. 16.71 Arba. Personnel expenses rose by 3.77% to Rs. 4.96 Arba, while impairment charges increased by 19.05% to Rs. 4.31 Arba. Operating profit stood at Rs. 8.77 Arba, down 2.75% year-on-year.
The bank’s capital adequacy ratio strengthened to 13.39% from 12.39%, though the non-performing loan ratio increased to 4.87% from 4.17%. Net worth per share improved to Rs. 177.63 from Rs. 169.97.
Major Financial Highlights:
* Figures are of the Immediate Previous Year Quarter Ending
| Particulars (In Rs '000) | Global IME Bank | ||
|---|---|---|---|
| Q4 2081/82 | Q4 2080/81 | Difference | |
| Paid Up Capital | 38,115,853.00 | 36,128,770.00* | 5.50% |
| Share Premium | 0.00 | 0.00 | - |
| Retained Earnings | 5,379,300.00 | 506,718.00* | 961.60% |
| Reserves | 24,210,305.00 | 24,771,659.00* | -2.27% |
| Deposits | 550,628,438.00 | 487,455,855.00* | 12.96% |
| Borrowings | 12,393,476.00 | 12,100,951.00* | 2.42% |
| Loan and advances to Customers | 411,791,797.00 | 369,424,519.00* | 11.47% |
| Net Interest Income | 16,712,277.00 | 16,856,327.00 | -0.85% |
| Personnel Expenses | 4,962,378.00 | 4,782,108.00 | 3.77% |
| Impairment Charges | 4,305,411.00 | 3,616,608.00 | 19.05% |
| Operating Profit | 8,770,578.00 | 9,018,958.00 | -2.75% |
| Net Profit | 6,204,745.00 | 6,137,454.00 | 1.10% |
| Distributable Profit/ (Loss) after P/L Appropriation and Regulatory Adjustments | 5,379,300.00 | 506,718.00 | 961.60% |
| Capital Adequacy (%) | 13.39 | 12.39 | 8.07% |
| NPL% | 4.87 | 4.17 | 16.79% |
| Cost of Fund (%) | 4.30 | 6.21 | -30.76% |
| Annualized EPS (In Rs.) | 16.28 | 16.99 | -4.17% |
| Net Worth per Share (In Rs.) | 177.63 | 169.97 | 4.51% |
| Qtr end PE Ratio (times) | 15.95 | ||
| Qtr End Market Price | 259.57 | - | - |
