Kamana Sewa Bikas Bank Posts 33.51% Jump in Net profit in Q4; EPS Climbs to Rs. 22.34
Sun, Jul 19, 2026 10:53 AM on Financial Analysis, Highlight News,
Kamana Sewa Bikas Bank Limited (KSBBL) has recently unveiled its unaudited financial statement for the Fourth quarter of the fiscal year 2082/83, showcasing a notable increment in net profit and Earnings Per Share (EPS).
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 Fourth quarter of the ongoing fiscal year, the bank achieved a net profit of Rs. 89.41 Crores, marking an 33.51% growth compared to the equivalent period in the previous fiscal year, during which the bank recorded a net profit of Rs. 66.97 Crores.
The rise was supported by an improvement in net interest income, which climbed by 3.98% to Rs. 2.41 arba compared to Rs. 2.31 arba in Q4 2081/82. The bank's operating profit surged 32.87% to Rs. 1.38 billion, primarily supported by a significant decline in impairment charges. Impairment charges for loans and advances declined by 67.34% to Rs. 13.65 croes from Rs.41.83 crores a year earlier.
Key financial ratios improved during the review period. Furthermore, the earnings per share (EPS) reached Rs. 22.34 during the review period. The price-earnings (P/E) ratio for the bank currently stands at 21.22 times, and the net worth per share is reported at Rs. 171.01 with the quarter-end market price standing at Rs. 474.
| Particulars (In Rs '000) | Kamana Sewa Bikas Bank Limited | ||
|---|---|---|---|
| Q4 2082/83 | Q4 2081/82 | Difference | |
| Paid Up Capital | 4,211,930.82 | 3,510,846.20 | 19.97% |
| 9% Preference Share | 350,000.00 | - | - |
| Paid Up Excluding Pref. Share | 3,861,930.82 | - | - |
| Retained Earnings | 601,110.03 | 587,575.80 | 2.30% |
| Reserves | 2,141,310.42 | 1,839,038.61 | 16.44% |
| Deposit | 66,177,524.64 | 62,834,301.16 | 5.32% |
| Loans & Advances | 54,210,170.99 | 50,077,497.28 | 8.25% |
| Net Interest Income | 2,410,802.81 | 2,318,494.17 | 3.98% |
| Personnel Expenses | 867,079.13 | 797,361.61 | 8.74% |
| Impairment Charges | 136,548.13 | 418,131.60 | -67.34% |
| Operating Profit | 1,382,500.56 | 1,040,487.66 | 32.87% |
| Net Profit | 894,178.13 | 669,751.32 | 33.51% |
| Distributable Profit/ (Loss) after P/L Appropriation and Regulatory Adjustments | 601,110.03 | 587,575.80 | 2.30% |
| Capital Adequacy (%) | 14.16 | 12.58 | 12.56% |
| NPL (%) | 3.77 | 3.49 | |
| Cost of Fund (%) | 3.69 | 5.09 | -27.50% |
| EPS (In Rs.) | 22.34 | 19.08 | 17.10% |
| Net Worth per Share (In Rs.) | 171.01 | 169.12 | 1.12% |
| Qtr end PE Ratio (times) | 21.22 | - | - |
| Qtr End Market Price | 474 | - | - |
