Sanima Bank Posts 7.25% Rise in Net Profit in Q4; Distributable Profit Soars, EPS Reaches to Rs. 18.93
Mon, Aug 11, 2025 8:13 AM on Financial Analysis, Company Analysis, Latest,
Sanima Bank Limited (SANIMA) reported a net profit of Rs. 2.57Arba in Q4 FY 2081/82, marking a 7.25% increase from Rs. 2.39 Arba in the previous fiscal year. The bank’s net interest income (core revenue) stood at Rs. 6.35 Arba, up 2.82% from Rs. 6.18 Arba last year.
Customer deposits rose 13.57% to Rs. 2.23 Kharba, while loans and advances to customers increased 10.68% to Rs. 1.76 Kharba. Retained earnings jumped 92.13% to Rs. 2.78 Arba, and reserves grew 11.41% to Rs. 6.56 Arba. Borrowings surged 92.83% to Rs. 2.06 Arba.
Operating profit grew 2.97% to Rs. 3.57 Arba, though impairment charges rose sharply by 31.80% to Rs. 1.88 Arba. The bank’s cost of funds fell significantly by 23.33% to 4.70%, boosting profitability.
Earnings per share improved to Rs. 18.93 from Rs. 17.65, while net worth per share climbed 9.59% to Rs. 168.83. The non-performing loan (NPL) ratio increased to 3.01% from 1.72%, indicating rising asset quality pressures.
Sanima’s shares closed the quarter at Rs. 374.77, with a price-to-earnings (P/E) ratio of 19.80 times.
Major Financial Highlights:
* Figures are of the Immediate Previous Year Quarter Ending
| Particulars (In Rs '000) | Sanima Bank | ||
|---|---|---|---|
| Q4 2081/82 | Q4 2080/81 | Difference | |
| Paid Up Capital | 13,581,525.41 | 13,581,525.41* | 0.00% |
| Retained Earnings | 2,780,720.66 | 1,447,337.26* | 92.13% |
| Reserves | 6,567,134.96 | 5,894,786.45* | 11.41% |
| Deposits | 223,954,679.23 | 197,197,071.12* | 13.57% |
| Borrowings | 2,063,250.00 | 1,070,000.00* | 92.83% |
| Loan and advances to Customers | 176,440,505.81 | 159,414,737.57* | 10.68% |
| Net Interest Income | 6,355,997.91 | 6,181,697.78 | 2.82% |
| Personnel Expenses | 2,001,448.98 | 1,913,493.49 | 4.60% |
| Impairment Charges | 1,889,120.78 | 1,433,321.72 | 31.80% |
| Operating Profit | 3,574,110.33 | 3,470,893.93 | 2.97% |
| Net Profit | 2,571,155.95 | 2,397,443.83 | 7.25% |
| Distributable Profit/ (Loss) after P/L Appropriation and Regulatory Adjustments | 2,780,720.66 | 1,447,337.26 | 92.13% |
| Capital Adequacy (%) | 13.01 | 13.21 | -1.51% |
| NPL% | 3.01 | 1.72 | 75.00% |
| Cost of Fund (%) | 4.70 | 6.13 | -23.33% |
| EPS (In Rs.) | 18.93 | 17.65 | 7.25% |
| Net Worth per Share (In Rs.) | 168.83 | 154.06 | 9.59% |
| Qtr end PE Ratio (times) | 19.80 | ||
| Qtr End Market Price | 374.77 | - | - |
