Nepal Investment Mega Bank Posts 64% Surge in Net Profit to Rs. 6.75 Arba in Q4; Distributable Profit at Rs. 49.13 Crores
Fri, Aug 15, 2025 6:53 AM on Financial Analysis, Company Analysis, Latest,
Nepal Investment Mega Bank Limited (NIMB) has reported a significant improvement in its financial performance for the fourth quarter of FY 2081/82, recording strong growth in profitability and reserves alongside an improvement in capital adequacy.
The bank’s net profit reached Rs. 6.76 Arba, up 64.44% from Rs. 4.11 Arba in the same period last year. This performance boosted its annualized earnings per share (EPS) to Rs. 19.80, compared to Rs. 12.04 in Q4 2080/81.
Operating profit surged by 58.67% to Rs. 10.14 Arba, aided by a substantial drop in impairment charges, which declined by 88.76% to Rs. 57.44 Crore from Rs. 5.11 Arba in the previous year. However, net interest income fell by 6.54% to Rs. 14.13 Arba, while personnel expenses rose by 16.10% to Rs. 4.38 Arba.
On the balance sheet front, deposits increased by 17.09% to Rs. 472.35 Arba, and loans and advances grew by 7.02% to Rs. 326.93 Arba. The bank’s reserves expanded to Rs. 32.74 Arba, a 3.17% rise year-on-year.
The bank improved its capital adequacy ratio to 13.73% from 12.97%, while the cost of funds decreased to 4.25% from 5.87%. However, non-performing loans (NPLs) rose to 5.85%, compared to 4.91% a year earlier.
The bank’s net worth per share stood at Rs. 197.38, up 11.95% from last year. Its quarter-end price-to-earnings (P/E) ratio was recorded at 11.67, with a market price of Rs. 231.02 per share at the end of the period.
Major Highlights
* Figures are of the Immediate Previous Year Quarter Ending
| Particulars (In Rs '000) | Nepal Investment Mega Bank | ||
|---|---|---|---|
| Q4 2081/82 | Q4 2080/81 | Difference | |
| Paid Up Capital | 34,128,595.93 | 34,128,595.93* | 0.00% |
| Share Premium | 0.00 | 0.00 | - |
| Retained Earnings | 491,356.00 | -5,693,232.00* | - |
| Reserves | 32,741,724.00 | 31,737,094.00* | 3.17% |
| Deposits | 472,347,472.00 | 403,416,956.00* | 17.09% |
| Borrowings | 2,744,000.00 | 5,334,000.00* | - |
| Loan and advances to Customers | 326,932,297.00 | 305,494,819.00* | 7.02% |
| Net Interest Income | 14,128,167.00 | 15,116,920.00 | -6.54% |
| Personnel Expenses | 4,375,596.00 | 3,768,832.00 | 16.10% |
| Impairment Charges | 574,409.00 | 5,111,564.00 | -88.76% |
| Operating Profit | 10,142,766.00 | 6,392,451.00 | 58.67% |
| Net Profit | 6,756,649.00 | 4,108,892.00 | 64.44% |
| Distributable Profit/ (Loss) after P/L Appropriation and Regulatory Adjustments | 491,356.00 | -5,693,232.00 | - |
| Capital Adequacy (%) | 13.73 | 12.97 | 5.86% |
| NPL% | 5.85 | 4.91 | 19.14% |
| Cost of Fund (%) | 4.25 | 5.87 | -27.60% |
| Annualized EPS (In Rs.) | 19.80 | 12.04 | 64.44% |
| Net Worth per Share (In Rs.) | 197.38 | 176.31 | 11.95% |
| Qtr end PE Ratio (times) | 11.67 | ||
| Qtr End Market Price | 231.02 | - | - |
