Himalayan Bank’s Net Profit Surges 1,041.16% to Rs. 1.48 Arba in Q4 FY 2082/83; EPS Jumps 994.42% to Rs. 6.56
Fri, Aug 14, 2026 10:32 AM on Financial Analysis, Highlight News, Company Analysis,
Himalayan Bank Limited (HBL) has reported a 1,041.16% surge in net profit in the fourth quarter of FY 2082/83, earning Rs. 1.48 Arba compared to Rs. 12.97 Crore in the corresponding quarter of the previous fiscal year.
The bank’s paid-up capital increased by 4.27% to Rs. 22.58 Arba from Rs. 21.66 Arba. Share premium stood at Rs. 52.73 Crore, while reserves increased 9.91% to Rs. 26.81 Arba from Rs. 24.39 Arba. Retained losses widened by 11.13% to Rs. 98.40 Crore from Rs. 88.54 Crore.
Himalayan Bank’s deposits grew 13.72% to Rs. 3.52 Kharba from Rs. 3.09 Kharba a year earlier. However, loans and advances to customers declined 1.24% to Rs. 2.28 Kharba from Rs. 2.31 Kharba.
Net interest income declined 15.74% to Rs. 8.81 Arba from Rs. 10.46 Arba. Personnel expenses increased 6.96% to Rs. 3.66 Arba, while impairment charges declined 22.88% to Rs. 2.90 Arba from Rs. 3.76 Arba.
The bank’s operating profit declined 23.60% to Rs. 2.63 Arba from Rs. 3.44 Arba in the previous fiscal year. Despite the decline in operating profit and net interest income, the bank recorded a significant increase in net profit during the review period.
Himalayan Bank’s capital adequacy ratio improved to 11.69% from 10.60%, indicating a stronger capital position. Meanwhile, the NPL ratio remained broadly stable at 7.96%, compared to 7.97% in the previous fiscal year.
The bank’s cost of funds declined significantly by 25% to 3.63% from 4.84%. Its earnings per share (EPS) surged 994.42% to Rs. 6.56 from Rs. 0.60.
Net worth per share increased 3.34% to Rs. 177.48 from Rs. 171.75. At the end of the review quarter, Himalayan Bank’s share price stood at Rs. 194.50, with its price-to-earnings (P/E) ratio recorded at 29.67 times.
Major Financial Highlights:
| Particulars (In Rs '000) | Himalayan Bank Limited | ||
| Q4 2082/83 | Q4 2081/82 | Difference | |
| Paid Up Capital | 22,581,662.53 | 21,656,615.63 | 4.27% |
| Share Premium | 527,276.73 | 0.00 | |
| Retained Earnings | -9,840,149.79 | -8,854,298.01 | 11.13% |
| Reserves | 26,809,134.19 | 24,392,222.81 | 9.91% |
| Deposit | 351,577,090.39 | 309,158,672.47 | 13.72% |
| Loans & Advances to Customers | 227,779,900.60 | 230,637,296.25 | -1.24% |
| Net Interest Income | 8,810,162.44 | 10,455,626.08 | -15.74% |
| Personnel Expenses | 3,656,373.23 | 3,418,457.49 | 6.96% |
| Impairment Charges | 2,896,498.12 | 3,756,038.66 | -22.88% |
| Operating Profit | 2,626,077.32 | 3,437,451.00 | -23.60% |
| Net Profit | 1,480,385.46 | 129,726.03 | 1041.16% |
| Distributable Profit/ (Loss) after P/L Appropriation and Regulatory Adjustments | -9,840,149.79 | -8,854,298.01 | - |
| Capital Adequacy (%) | 11.69 | 10.60 | 10.28% |
| NPL (%) | 7.96 | 7.97 | |
| Cost of Fund (%) | 3.63 | 4.84 | -25.00% |
| EPS (In Rs.) | 6.56 | 0.60 | 994.42% |
| Net Worth per Share (In Rs.) | 177.48 | 70.38 | 152.18% |
| Qtr end PE Ratio (times) | 29.67 | - | - |
| Qtr End Market Price | 194.5 | - | - |
