NMB Bank Q4 Profit Jumps 40.6% to Rs. 4.01 Arba, EPS Climbs to Rs. 19.53
Tue, Aug 4, 2026 10:03 AM on Financial Analysis, Highlight News, Company Analysis,
NMB Bank Limited (NMB) has reported a strong financial performance for the fourth quarter of FY 2082/83, with its net profit surging 40.60% year-on-year to Rs. 4.01 Arba. The impressive growth was primarily driven by higher loan expansion and a significant increase in net interest income, despite a notable rise in impairment charges. The bank's paid-up capital, including preference shares, stood at Rs. 22.28 Arba in FY 2082/83, compared to Rs. 18.36 Arba in FY 2081/82. Retained earnings showed a remarkable turnaround, rising to a positive Rs. 1.87 Arba from a negative balance of Rs. 1.90 Arba in the previous fiscal year. Meanwhile, the bank's reserves grew by 16.76% year-on-year to Rs. 13.90 Arba.
Customer deposits grew by 12.17% to Rs. 3.15 Kharba, while loans and advances expanded by 9.33% to Rs. 2.49 Kharba. Net interest income rose 17.52% to Rs. 9.42 Arba, whereas personnel expenses saw only a marginal increase of 0.30% to Rs. 3.05 Arba. Although impairment charges climbed 43.15% to Rs. 2.34 Arba, the bank still recorded a 29.06% increase in operating profit, reaching Rs. 4.01 Arba.
Following appropriation and regulatory adjustments, NMB Bank's distributable profit stood at Rs. 1.75 Arba. Its capital adequacy ratio improved to 12.73% from 11.92% in the previous year. However, the non-performing loan (NPL) ratio edged up to 4.91% from 4.11%. The cost of funds declined significantly to 3.74% from 5.06%, reflecting improved funding efficiency. Earnings per share (EPS) increased to Rs. 19.53, while net worth per share rose 4.19% to Rs. 181.80. As of the end of Q4 FY 2082/83, the bank's price-to-earnings (P/E) ratio stood at 12.26 times, based on a closing market price of Rs. 239.50 per share.
Major Financial Highlights:
| Particulars (In Rs '000) | NMB Bank Limited | ||
| Q4 2082/83 | Q4 2081/82 | Difference | |
| Paid Up Capital | 22,285,041.00 | 18,366,706.00 | 21.33% |
| 8.25% Preference Share | 3,000,000.00 | - | 0.00% |
| Paid Up Excluding Pref. Share | 19,285,041.00 | - | - |
| Retained Earnings | 1,872,996.00 | 1,901,381.00 | -1.49% |
| Reserves | 13,901,734.00 | 11,906,521.00 | 16.76% |
| Deposit | 315,118,455.00 | 280,926,468.00 | 12.17% |
| Loans & Advances | 249,759,929.00 | 228,456,304.00 | 9.33% |
| Net Interest Income | 9,426,240.00 | 8,020,894.00 | 17.52% |
| Personnel Expenses | 3,051,537.00 | 3,042,547.00 | 0.30% |
| Impairment Charges | 2,345,056.00 | 1,638,170.00 | 43.15% |
| Operating Profit | 6,117,506.00 | 4,739,988.00 | 29.06% |
| Net Profit | 4,013,671.00 | 2,854,638.00 | 40.60% |
| Distributable Profit/ (Loss) after P/L Appropriation and Regulatory Adjustments | 1,750,941.00 | 1,901,381.00 | -7.91% |
| Capital Adequacy (%) | 12.73 | 11.92 | 6.80% |
| NPL (%) | 4.91 | 4.11 | 19.46% |
| Cost of Fund (%) | 3.74 | 5.06 | -26.09% |
| EPS (In Rs.) | 19.53 | 25.81 | -24.33% |
| Net Worth per Share (In Rs.) | 181.80 | 174.49 | 4.19% |
| Qtr end PE Ratio (times) | 12.26 | - | - |
| Qtr End Market Price | 239.5 | - | - |
