Nabil Bank’s Net Profit Surges by 45.43% to Rs. 2.55 Arba in Q1 FY 2083/84; Net Interest Income at Rs. 4.74 Arba
Sun, Nov 1, 2026 11:00 AM on Financial Analysis, Highlight News, Company Analysis,
Nabil Bank Limited has reported a 45.43% growth in net profit for the first quarter of FY 2083/84, reaching Rs. 2.56 Arba compared to Rs. 1.76 Arba in the corresponding quarter of the previous fiscal year. The bank's paid-up capital increased by 4.22% to Rs. 33.41 Arba, including Rs. 5 Arba in 8% preference shares. Reserves increased by 3.16% to Rs. 35.78 Arba, while retained earnings declined by 56.19% to Rs. 2.26 Arba.
During the quarter, total deposits increased by 4.59% to Rs. 6.19 Kharba, while loans and advances grew by 3.41% to Rs. 4.76 Kharba. Net Interest Income rose by 21.42% to Rs. 4.74 Arba. Personnel expenses increased by 13.67% to Rs. 1.68 Arba, while impairment charges declined sharply by 74.66% to Rs. 16.40 Crores. Operating profit subsequently surged by 42.33% to Rs. 3.67 Arba.
Nabil Bank's distributable profit after profit/loss appropriation and regulatory adjustments stood at Rs. 2.26 Arba, compared to Rs. 4.72 Arba in the corresponding quarter. The capital adequacy ratio stood at 11.67%, while the Non-Performing Loan (NPL) ratio improved to 4.06% from 4.31%. The cost of funds declined significantly to 2.92% from 4.13%.
The bank's annualized Earnings Per Share (EPS) stood at Rs. 30.34, compared to Rs. 32.19 in the corresponding quarter, while net worth per share increased by 4.28% to Rs. 233.90 from Rs. 224.30. Nabil Bank's quarter-end PE ratio stood at 18.03 times, while its quarter-end market price was Rs. 547 per share.
* Figures are of Immediate Previous Year Quarter Ending
Major Highlights:
| Particulars (In Rs '000) | Nabil Bank Limited | ||
| Q1 2083/84 | Q1 2082/83 | Difference | |
| Paid Up Capital | 33,409,847.00 | 32,056,977.00* | 4.22% |
| 8% Preference Share | 5,000,000.00 | - | - |
| Paid Up Excluding Pref. Share | 28,409,847.00 | - | - |
| Retained Earnings | 2,264,567.00 | 5,168,845.00* | -56.19% |
| Reserves | 35,777,246.00 | 34,680,483.00* | 3.16% |
| Deposit | 619,231,995.00 | 592,082,602.00* | 4.59% |
| Loans & Advances | 476,013,619.00 | 460,317,394.00* | 3.41% |
| Net Interest Income | 4,737,012.00 | 3,901,260.00 | 21.42% |
| Personnel Expenses | 1,680,680.00 | 1,478,551.00 | 13.67% |
| Impairment Charges | 164,012.00 | 647,227.00 | -74.66% |
| Operating Profit | 3,671,949.00 | 2,579,886.00 | 42.33% |
| Net Profit | 2,555,105.00 | 1,756,991.00 | 45.43% |
| Distributable Profit/ (Loss) after P/L Appropriation and Regulatory Adjustments | 2,264,567.00 | 4,717,744.00 | -52.00% |
| Capital Adequacy (%) | 11.67 | 12.67 | -7.89% |
| NPL (%) | 4.06 | 4.31 | -5.80% |
| Cost of Fund (%) | 2.92 | 4.13 | -29.30% |
| Annualized EPS (In Rs.) | 30.34 | 32.19 | -5.74% |
| Net Worth per Share (In Rs.) | 233.90 | 224.3 | 4.28% |
| Qtr end PE Ratio (times) | 18.03 | - | - |
| Qtr End Market Price | 547 | - | - |
