Prime Commercial Bank Reports 14.72% Rise in Net Profit to Rs. 4.02 Arba in Q4 FY 2081/82; Impairment Charges Down By 13.27%
Fri, Aug 15, 2025 7:21 AM on Financial Analysis, Company Analysis, Latest,
Prime Commercial Bank Limited (PCBL) has posted a net profit of Rs. 4.02 arba in the fourth quarter of FY 2081/82, marking a 14.72% increase compared to Rs. 3.50 arba in the same period last year. The distributable profit after P/L appropriation and regulatory adjustments surged by 179.38% to Rs. 2.78 arba from Rs. 99.53 crore.
The bank’s deposits rose by 24.72% to Rs. 2.63 kharba, while loans and advances to customers grew by 16.26% to Rs. 2.10 kharba. Net interest income climbed 11.92% to Rs. 8.82 Arba, and operating profit improved by 23.44% to Rs. 6.55 Arba.
Key indicators showed the cost of funds declining to 5.21% from 7.03%, while the Non-Performing Loan (NPL) ratio increased to 5.56% from 4.65%. The bank’s annualized earnings per share (EPS) stood at Rs. 20.74, net worth per share at Rs. 173.72, and capital adequacy ratio at 11.74%.
At the end of the review quarter, the bank’s shares were priced at Rs. 276.31, reflecting a price-to-earnings (P/E) ratio of 13.32 times.
Major Highlights
* Figures are of the Immediate Previous Year Quarter Ending
| Particulars (In Rs '000) | Prime Commercial Bank | ||
|---|---|---|---|
| Q4 2081/82 | Q4 2080/81 | Difference | |
| Paid Up Capital | 19,402,575.72 | 19,402,575.72* | 0.00% |
| Share Premium | 0.00 | 0.00 | - |
| Retained Earnings | 2,780,819.22 | 995,339.45* | 179.38% |
| Reserves | 11,523,494.73 | 10,254,431.43* | 12.38% |
| Deposits | 263,360,694.62 | 211,160,276.03* | 24.72% |
| Borrowings | 2,750,000.00 | 2,674,000.00* | 2.84% |
| Loan and advances to Customers | 210,461,724.38 | 181,029,569.18* | 16.26% |
| Net Interest Income | 8,822,434.30 | 7,882,775.53 | 11.92% |
| Personnel Expenses | 2,341,144.26 | 2,047,432.07 | 14.35% |
| Impairment Charges | 1,419,496.35 | 1,636,720.66 | -13.27% |
| Operating Profit | 6,558,016.16 | 5,312,918.38 | 23.44% |
| Net Profit | 4,024,431.57 | 3,507,894.99 | 14.72% |
| Distributable Profit/ (Loss) after P/L Appropriation and Regulatory Adjustments | 2,780,819.22 | 995,339.45 | 179.38% |
| Capital Adequacy (%) | 11.74 | 11.80 | -0.51% |
| NPL% | 5.56 | 4.65 | 19.57% |
| Cost of Fund (%) | 5.21 | 7.03 | -25.89% |
| Annualized EPS (In Rs.) | 20.74 | 18.08 | 14.72% |
| Net Worth per Share (In Rs.) | 173.72 | 157.98 | 9.97% |
| Qtr end PE Ratio (times) | 13.32 | ||
| Qtr End Market Price | 276.31 | - | - |
