Nepal Bank Maintains Steady Growth as Q3 Profit Reaches Rs. 2.79 Arba
Mon, Apr 27, 2026 11:55 AM on Financial Analysis, Highlight News,
Nepal Bank Limited (NBL) has recently unveiled its unaudited financial statement for the third quarter of the fiscal year 2082/83, showcasing a moderate increment in net profit and Earnings Per Share (EPS).
NBL paid-up capital reached Rs.14.69 arba and it's retained earning stood at 32.13 crore for this quarter.
In the third quarter of the ongoing fiscal year, the bank achieved a net profit of Rs. 2,79 arba marking moderate 0.34% growth compared to the equivalent period in the previous fiscal year, during which the bank recorded a net profit of Rs. 2.78 arba.
The moderate rise was supported by an improvement in net interest income, which climbed by 2.99% to Rs. 7.31 arba compared to Rs. 7.10 arba in Q3 2081/82. The company recorded a significant reversal in impairment charges amounting to Rs. 39.01 crores.
Key financial ratios moderately improved during the review period. Furthermore, the annualized earnings per share (EPS) reached Rs. 25.34 during the review period. The price-earnings (P/E) ratio for the bank currently stands at 10.97 times, and the net worth per share is reported at Rs. 272.79.
Major Financial Highlights:
* Figures are of the Immediate Previous Year Quarter Ending
| Particulars (In Rs '000) | Nepal Bank Limited | ||
| Q3 2082/83 | Q3 2081/82 | Difference | |
| Paid Up Capital | 14,694,022.93 | 14,694,022.93* | 0.00% |
| Retained Earnings | 321,334.19 | -1,418,553.09* | -122.65% |
| Reserves | 25,068,827.03 | 24,341,186.73* | 2.99% |
| Deposit | 384,379,204.77 | 332,092,373.05* | 15.74% |
| Loans & Advances | 239,444,605.94 | 220,499,777.92* | 8.59% |
| Net Interest Income | 7,313,205.86 | 7,100,752.63 | 2.99% |
| Personnel Expenses | 3,299,226.43 | 2,980,816.11 | 10.68% |
| Impairment Charges | -391,034.66 | 282,817.77 | -238.26% |
| Operating Profit | 4,852,861.39 | 4,312,783.28 | 12.52% |
| Net Profit | 2,792,981.92 | 2,783,494.68 | 0.34% |
| Distributable Profit/ (Loss) after P/L Appropriation and Regulatory Adjustments | 321,334.19 | 306,218.43 | 4.94% |
| Capital Adequacy (%) | 13.05 | 12.97 | 0.62% |
| NPL (%) | 4.96 | 5.45 | |
| Cost of Fund (%) | 3.13 | 3.96 | -20.96% |
| Annualized EPS (In Rs.) | 25.34 | 25.26 | 0.34% |
| Net Worth per Share (In Rs.) | 272.79 | 256.00 | 6.56% |
| Qtr end PE Ratio (times) | 10.97 | - | - |
| Qtr End Market Price | 278 | - | - |
