NMB Bank Sees 27.11% Growth in Q1 Net Profit, EPS at Rs 19.02, Distributable Profit at Rs 2.32 Arba
Sun, Nov 1, 2026 7:45 AM on Financial Analysis, Highlight News, Company Analysis,
NMB Bank Limited has reported a notable 27.11% growth in net profit for the first quarter of FY 2083/84, reaching Rs 1.16 Arba compared to Rs 91.60 Crores in the corresponding quarter of the previous fiscal year. The bank's paid-up capital increased by 21.33% to Rs 22.29 Arba, while retained earnings rose by 30.98% to Rs 2.32 Arba and reserves increased by 4.11% to Rs 14.46 Arba.
During the quarter, total deposits grew by 2.18% to Rs 3.22 Kharba, while loans and advances increased by 3.54% to Rs 2.58 Kharba. Net Interest Income rose by 4.19% to Rs 2.59 Arba. Personnel expenses increased marginally by 2.52% to Rs 83.70 Crores, while impairment charges declined sharply by 29.66% to Rs 50.22 Crores. Operating profit surged by 26.17% to Rs 1.89 Arba.
The bank's distributable profit increased by 19.34% to Rs 2.32 Arba after profit/loss appropriation and regulatory adjustments. Its capital adequacy ratio stood at 12.53%, while the Non-Performing Loan (NPL) ratio increased to 4.92% from 4.58% in the corresponding period. The cost of funds declined significantly to 3.37% from 4.05%.
NMB Bank's Earnings Per Share (EPS) stood at Rs 19.02, compared to Rs 32.63 in the corresponding quarter, while net worth per share increased by 10.78% to Rs 187.03. The bank's quarter-end PE ratio stood at 14.32 times, with its quarter-end market price recorded at Rs 272.30 per share.
* Figures are of Immediate Previous Year Quarter Ending
Major Highlights:
| Particulars (In Rs '000) | NMB Bank Limited | ||
| Q1 2083/84 | Q1 2082/83 | 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 | - | 0.00% |
| Retained Earnings | 2,319,136.00 | 1,770,596.00 | 30.98% |
| Reserves | 14,464,405.00 | 13,893,305.00 | 4.11% |
| Deposit | 322,000,882.00 | 315,118,455.00 | 2.18% |
| Loans & Advances | 258,455,463.00 | 249,613,592.00 | 3.54% |
| Net Interest Income | 2,591,564.00 | 2,487,253.00 | 4.19% |
| Personnel Expenses | 836,999.00 | 816,429.00 | 2.52% |
| Impairment Charges | 502,179.00 | 713,962.00 | -29.66% |
| Operating Profit | 1,890,636.00 | 1,498,463.00 | 26.17% |
| Net Profit | 1,164,282.00 | 915,983.00 | 27.11% |
| Distributable Profit/ (Loss) after P/L Appropriation and Regulatory Adjustments | 2,319,136.00 | 1,943,318.00 | 19.34% |
| Capital Adequacy (%) | 12.53 | 12.07 | 3.81% |
| NPL (%) | 4.92 | 4.58 | 7.42% |
| Cost of Fund (%) | 3.37 | 4.05 | -16.79% |
| EPS (In Rs.) | 19.02 | 32.63 | -41.73% |
| Net Worth per Share (In Rs.) | 187.03 | 168.83 | 10.78% |
| Qtr end PE Ratio (times) | 14.32 | - | |
| Qtr End Market Price | 272.3 | - | - |
