Kamana Sewa Bikas Bank Posts 9.19% Net Profit Growth, EPS at Rs 18.10; Core Revenue Up by 5.25%
Fri, Jul 18, 2025 9:27 AM on Financial Analysis, Highlight News, Company Analysis,
Kamana Sewa Bikas Bank Limited (KSBBL) has unveiled its unaudited financial results for the quarter end of FY 2081/82, showcasing a 9.19% rise in net profit, totaling Rs 63.52 crores.
This marks a significant improvement from Rs 58.18 crores in the same period of the previous year. Net interest income grew by 5.25%, while impairment charges inclined by 16.55%.
The bank’s total paid-up capital stands at Rs 3.51 Arba, with reserves of Rs 1.78 Arba and retained earnings of Rs 60.74 crores. Deposits rose by 6.38%, reaching Rs 62.83 Arba, while loans and advances increased by 8.67%, totaling Rs 49.96 Arba.
Key metrics for the quarter include an annualized Earnings Per Share (EPS) of Rs 18.10, a price-earnings (P/E) ratio of 27.69 times, and a net worth per share of Rs 168.13. Additionally, the bank reported a distributable profit of Rs 60.74 crores.
* Figures are of Immediate Previous Year Quarter Ending
Major Highlights:
| Particulars (In Rs '000) | Kamana Sewa Bikas Bank | ||
|---|---|---|---|
| Q4 2081/82 | Q4 2080/81 | Difference | |
| Paid Up Capital | 3,510,846.20 | 3,281,164.67* | 7.00% |
| Share Premium | - | - | - |
| Retained Earnings | 607,401.84 | 411,201.36* | 47.71% |
| Reserves | 1,784,467.95 | 1,691,977.15* | 5.47% |
| Deposits | 62,834,301.16 | 59,066,711.73* | 6.38% |
| Loans & Advances | 49,967,284.13 | 45,979,607.70* | 8.67% |
| Net Interest Income | 2,244,468.74 | 2,132,542.91 | 5.25% |
| Personnel Expenses | 781,796.24 | 761,180.56 | 2.71% |
| Impairment Charges/(Reversal) for loans and advances | 417,478.97 | 358,202.05 | 16.55% |
| Operating Profit | 986,986.05 | 967,886.47 | 1.97% |
| Net Profit | 635,297.08 | 581,831.82 | 9.19% |
| Distributable Profit/ (Loss) after P/L Appropriation and Regulatory Adjustments | 607,401.84 | 411,201.54 | 47.71% |
| Capital Adequacy (%) | 13.20 | 12.50 | 5.60% |
| Non- Performing Loan (NPL)(%) | 3.38 | 3.36 | 0.60% |
| Cost of Fund (%) | 5.09 | 6.94 | -26.66% |
| Annualized EPS (In Rs.) | 18.10 | 17.73 | 2.05% |
| Net Worth per Share (In Rs.) | 168.13 | 164.10 | 2.46% |
| Qtr end PE Ratio (times) | 27.69 | ||
| Qtr End Market Price | 501 | - | - |
