Global IME Bank Reports Strong Q4 with 22.67% Profit Growth, EPS at Rs. 16.34
Wed, Aug 5, 2026 7:58 AM on Financial Analysis, Highlight News, Company Analysis,
Global IME Bank Limited (GBIME) delivered a solid financial performance in the fourth quarter of FY 2082/83, reporting a net profit of Rs. 6.22 Arba, up 22.67% from Rs. 5.07 Arba recorded in the corresponding period last year. The improvement in earnings was primarily supported by lower impairment charges. Earnings per share (EPS) increased to Rs. 16.34 from Rs. 13.32, while the bank’s P/E ratio stood at 14.69 times based on the quarter-end market price of Rs. 240 per share.
The bank’s paid-up capital remained unchanged at Rs. 38.11 Arba, while retained earnings grew 12.98% year-on-year to Rs. 4.58 Arba, reflecting higher distributable profit. Likewise, reserves increased 10.85% to Rs. 27.10 Arba.
On the business front, customer deposits expanded 21.53% to Rs. 6.69 Kharba, while loans and advances rose 7.13% to Rs. 4.39 Kharba. The bank also improved its funding efficiency, with the cost of funds declining to 3.43% from 4.30% a year earlier.
Despite a 2.86% decline in net interest income to Rs. 16.20 Arba, personnel expenses increased by 7.86% to Rs. 5.06 Arba. Meanwhile, impairment charges fell 19.88% to Rs. 4.78 Arba, helping operating profit rise 20.03% year-on-year to Rs. 8.68 Arba.
In terms of asset quality and capital strength, the capital adequacy ratio eased to 12.10% from 12.65%, while the non-performing loan (NPL) ratio edged up to 4.96% from 4.86%. Net worth per share improved to Rs. 183.14, compared to Rs. 174.80 in the previous year.
Report:
Major Financial Highlights:
| Particulars (In Rs '000) | Global IME Bank Limited | ||
| Q4 2082/83 | Q4 2081/82 | Difference | |
| Paid Up Capital | 38,115,853.00 | 38,115,853.00 | 0.00% |
| Share Premium | 0.00 | 0.00 | |
| Retained Earnings | 4,581,064.00 | 4,054,879.00 | 12.98% |
| Reserves | 27,109,347.00 | 24,456,676.00 | 10.85% |
| Deposit | 669,171,448.00 | 550,628,588.00 | 21.53% |
| Loans & Advances | 439,345,125.00 | 410,113,933.00 | 7.13% |
| Net Interest Income | 16,203,053.00 | 16,679,939.00 | -2.86% |
| Personnel Expenses | 5,060,473.00 | 4,691,556.00 | 7.86% |
| Impairment Charges | 4,788,392.00 | 5,976,596.00 | -19.88% |
| Operating Profit | 8,682,113.00 | 7,233,173.00 | 20.03% |
| Net Profit | 6,227,156.00 | 5,076,304.00 | 22.67% |
| Distributable Profit/ (Loss) after P/L Appropriation and Regulatory Adjustments | 4,581,064.00 | 4,054,879.00 | - |
| Capital Adequacy (%) | 12.10 | 12.65 | -4.35% |
| NPL (%) | 4.96 | 4.86 | |
| Cost of Fund (%) | 3.43 | 4.30 | -20.23% |
| EPS (In Rs.) | 16.34 | 13.32 | 22.67% |
| Net Worth per Share (In Rs.) | 183.14 | 174.80 | 4.77% |
| Qtr end PE Ratio (times) | 14.69 | - | - |
| Qtr End Market Price | 240 | - | - |
