Lower Impairment Charges Lift Rastriya Banijya Bank’s Profit 60.68% to Rs. 4.55 Arba
Thu, Aug 13, 2026 12:18 PM on Financial Analysis, Highlight News, Company Analysis,
Rastriya Banijya Bank Limited has reported a net profit of Rs. 4.55 Arba for the fourth quarter of fiscal year 2082/83, marking a 60.68% year-on-year increase.
The bank’s operating profit rose 64.26% to Rs. 6.47 Arba, supported by steady core earnings and a significant reduction in impairment charges. Net interest income increased 17.85% to Rs. 11.96 Arba, while impairment charges declined sharply by 62.05% to Rs. 84.79 Crore.
Rastriya Banijya Bank maintained its paid-up capital at Rs. 15.63 Arba. Its reserves increased by 5.30% to Rs. 39.37 Arba, while retained earnings improved to Rs. 1.07 Arba, reversing the deficit recorded in the previous year.
Customer deposits expanded significantly by 37.11% to Rs. 6.86 Kharba. Similarly, loans and advances grew by 13.60% to Rs. 3.32 Kharba.
The bank’s capital adequacy ratio improved marginally to 11.40%, compared to 11.36% a year earlier.
However, the non-performing loan (NPL) ratio increased to 3.95% from 3.79%. Meanwhile, the cost of funds declined to 2.96% from 3.33%, indicating an improvement in the bank’s funding efficiency.
The bank’s earnings per share (EPS) stood at Rs. 29.14, while net worth per share reached Rs. 358.68.
Major Financial Highlights:
| Particulars (In Rs '000) | Rastriya Banijya Bank Limited | ||
| Q4 2082/83 | Q4 2081/82 | Difference | |
| Paid Up Capital | 15,637,377.06 | 15,637,377.06 | 0.00% |
| Share Premium | 0.00 | 0.00 | |
| Retained Earnings | 1,076,957.80 | -850,273.19 | -226.66% |
| Reserves | 39,373,522.18 | 37,391,790.31 | 5.30% |
| Deposit | 686,135,600.17 | 500,414,680.52 | 37.11% |
| Loans & Advances | 332,083,450.93 | 292,337,157.59 | 13.60% |
| Net Interest Income | 11,966,153.43 | 10,153,978.19 | 17.85% |
| Personnel Expenses | 5,485,628.99 | 4,801,530.23 | 14.25% |
| Impairment Charges | 847,965.94 | 2,234,421.69 | -62.05% |
| Operating Profit | 6,475,318.22 | 3,942,024.35 | 64.26% |
| Net Profit | 4,556,891.45 | 2,836,002.14 | 60.68% |
| Distributable Profit/ (Loss) after P/L Appropriation and Regulatory Adjustments | 1,076,957.80 | -850,273.19 | - |
| Capital Adequacy (%) | 11.40 | 11.36 | 0.35% |
| NPL (%) | 3.95 | 3.79 | |
| Cost of Fund (%) | 2.96 | 3.33 | -11.11% |
| EPS (In Rs.) | 29.14 | 18.14 | 60.68% |
| Net Worth per Share (In Rs.) | 358.68 | 333.68 | 7.49% |
