Kamana Sewa Bikas Bank Net Profit Rises By 16.99% in Q1 FY 2083/84; Eps at Rs. 20.68
Wed, Oct 28, 2026 11:09 AM on Financial Analysis, Highlight News,
Kamana Sewa Bikas Bank Limited (KSBBL) has recently unveiled its unaudited financial statement for the First quarter of the fiscal year 2083/84, showcasing a notable increment in net profit.
KSBBL’s paid-up capital reached Rs. 4.21 arba, which includes Rs. 35 crores worth of 9% non-cumulative irredeemable preference shares. Excluding the preference shares, the bank’s core equity base stood at Rs. 3.86 arba.
In the First quarter of the ongoing fiscal year, the bank achieved a net profit of Rs. 23.11 Crores, marking an 16.99% growth compared to the equivalent period in the previous fiscal year, during which the bank recorded a net profit of Rs. 19.75 Crores.
The bank's operating profit surged 19.02% to Rs. 33.87 crores, primarily supported by a significant decline in impairment charges Also, Impairment charges for loans and advances has declined by 55.36% to Rs. 4.94 crore.
Key financial ratios improved during the review period. Furthermore, the annualized earnings per share (EPS) reached Rs. 20.68 during the review period. The price-earnings (P/E) ratio for the bank currently stands at 23.01 times, and the net worth per share is reported at Rs. 161.84.
| Particulars (In Rs '000) | Kamana Sewa Bikas Bank Limited | ||
|---|---|---|---|
| Q1 2083/84 | Q1 2082/83 | Difference | |
| Paid Up Capital | 4,211,930.82 | 4,211,930.82* | 0.00% |
| 9% Preference Share | 350,000.00 | - | - |
| Paid Up Excluding Pref. Share | 3,861,930.82 | - | - |
| Retained Earnings | 160,042.54 | 612,683.08* | -73.88% |
| Reserves | 2,228,327.54 | 2,156,608.31* | 3.33% |
| Deposit | 67,904,709.26 | 66,177,524.64* | 2.61% |
| Loans & Advances | 56,345,333.17 | 54,203,871.01* | 3.95% |
| Net Interest Income | 626,487.30 | 617,636.61 | 1.43% |
| Personnel Expenses | 242,221.55 | 242,813.10 | -0.24% |
| Impairment Charges | 49,417.23 | 110,693.77 | -55.36% |
| Operating Profit | 338,770.40 | 284,628.48 | 19.02% |
| Net Profit | 231,155.62 | 197,584.14 | 16.99% |
| Distributable Profit/ (Loss) after P/L Appropriation and Regulatory Adjustments | 152,167.54 | 135,221.29 | 12.53% |
| Capital Adequacy (%) | 12.97 | 12.26 | 5.79% |
| NPL (%) | 3.93 | 4.41 | |
| Cost of Fund (%) | 3.50 | 4.59 | -23.75% |
| Annualized EPS (In Rs.) | 20.68 | 18.76 | 10.21% |
| Net Worth per Share (In Rs.) | 161.84 | 165.75 | -2.36% |
| Qtr end PE Ratio (times) | 23.01 | - | - |
| Qtr End Market Price | 475.9 | - | - |
