Rastriya Banijya Bank Reports 30.43% Surge in Net Profit to Rs. 5.45 Arba in Q4 FY 2081/82; Impairment Charges Down By 37.79%
Thu, Aug 14, 2025 8:10 AM on Latest, Financial Analysis, Company Analysis,
Rastriya Banijya Bank Limited closed Q4 FY 2081/82 with net profit of Rs. 5.45 Arba, up 30.43% year-on-year. Operating profit rose 31.59% to Rs. 5.38 Arba, supported by stable core earnings and lower impairment. Net interest income edged up 0.52% to Rs. 10.08 Arba, while impairment charges fell 37.79% to Rs. 71.32 Crore.
On the balance sheet, the bank maintained paid-up capital at Rs. 15.64 Arba. Reserves stood at Rs. 37.47 Arba, up 4.62% year-on-year, and retained earnings improved to Rs. 30.35 Crore, reversing last year’s deficit. Customer deposits expanded 16.60% to Rs. 5.00 Kharba, and loans and advances grew 19.79% to Rs. 2.94 Kharba. Borrowings remained minimal at Rs. 6 Crore.
Key ratios strengthened. The capital adequacy ratio improved to 11.84% from 11.11%, and the NPL ratio declined to 3.59% from 4.28%. Funding costs eased to 3.33% from 4.89%, reflecting a more efficient liability mix. Annualized Earnings per share reached Rs. 34.87, while net worth per share rose to Rs. 341.59.
Major Financial Highlights:
* Figures are of the Immediate Previous Year Quarter Ending
| Particulars (In Rs '000) | Rastriya Banijya Bank | ||
|---|---|---|---|
| Q4 2081/82 | Q4 2080/81 | Difference | |
| Paid Up Capital | 15,637,377.06 | 15,637,377.06* | 0.00% |
| Retained Earnings | 303,496.26 | -1,222,153.15* | - |
| Reserves | 37,475,409.15 | 35,822,074.51* | 4.62% |
| Deposits | 500,414,680.52 | 429,187,763.75* | 16.60% |
| Borrowing | 60,000.00 | 60,000.00* | 0.00% |
| Loan and advances to Customers | 294,188,460.22 | 245,595,467.46* | 19.79% |
| Net Interest Income | 10,082,414.89 | 10,030,240.60 | 0.52% |
| Personnel Expenses | 4,789,709.26 | 4,349,257.92 | 10.13% |
| Impairment Charges | 713,235.05 | 1,146,469.25 | -37.79% |
| Operating Profit | 5,382,577.95 | 4,090,267.08 | 31.59% |
| Net Profit | 5,452,442.72 | 4,180,458.79 | 30.43% |
| Distributable Profit/ (Loss) after P/L Appropriation and Regulatory Adjustments | 303,496.26 | -1,222,153.15 | - |
| Capital Adequacy (%) | 11.84 | 11.11 | 6.57% |
| NPL% | 3.59 | 4.28 | -16.12% |
| Cost of Fund (%) | 3.33 | 4.89 | -31.90% |
| EPS (In Rs.) | 34.87 | 26.73 | 30.43% |
| Net Worth per Share (In Rs.) | 341.59 | 321.26 | 6.33% |
