Siddhartha Bank Posts Rs. 3.39 Arba Profit in FY 2081/82 as Net Interest Income Rises 6.43%; EPS Reached to Rs. 24.10
Fri, Aug 8, 2025 11:05 AM on Financial Analysis, Company Analysis, Latest,
Siddhartha Bank Limited (SBL) has reported a net profit of Rs. 3.39 Arba for the fiscal year 2081/82, marking a 10.24% increase from Rs. 3.08 Arba in the previous fiscal year. The growth was supported by a 6.43% rise in net interest income, which reached Rs. 8.43 Arba compared to Rs. 7.93 Arba a year earlier.
The bank’s deposits surged by 16.16% to Rs. 2.8 Kharba, while loans and advances to customers grew 9.76% to Rs. 2.14 Kharba. Reserves climbed 12.26% to Rs. 15.04 Arba, and retained earnings saw a sharp jump of 220.97% to Rs. 1.86 Arba.
Operating profit stood at Rs. 5.02 Arba, up 12.16% from the previous year, despite impairment charges increasing by 25.14% to Rs. 1.31 Arba. The bank also reduced its cost of funds to 4.39% from 5.95%, improving profitability margins.
Key financial indicators showed annualized earnings per share (EPS) at Rs. 24.10, up from Rs. 21.86, and net worth per share at Rs. 219.97. The capital adequacy ratio slightly declined to 11.77% from 11.88%, while the non-performing loan (NPL) ratio rose to 2.62% from 2.17%.
The bank’s shares were priced at Rs. 383.77 at the quarter-end, reflecting a price-to-earnings (P/E) ratio of 15.93 times.
Major Financial Highlights:
* Figures are of the Immediate Previous Year Quarter Ending
| Particulars (In Rs '000) | Siddhartha Bank | ||
|---|---|---|---|
| Q4 2081/82 | Q4 2080/81 | Difference | |
| Paid Up Capital | 14,089,980.19 | 14,089,980.19* | 0.00% |
| Retained Earnings | 1,862,787.25 | 580,361.62* | 220.97% |
| Reserves | 15,041,350.84 | 13,398,951.67* | 12.26% |
| Deposits | 280,321,367.83 | 241,329,082.02* | 16.16% |
| Borrowings | 5,839,097.14 | 5,964,375.77* | -2.10% |
| Loan and advances to Customers | 214,542,377.47 | 195,473,382.51* | 9.76% |
| Net Interest Income | 8,439,920.12 | 7,930,069.97 | 6.43% |
| Personnel Expenses | 3,246,207.09 | 2,977,901.22 | 9.01% |
| Impairment Charges | 1,315,361.42 | 1,051,123.14 | 25.14% |
| Operating Profit | 5,029,857.73 | 4,484,499.31 | 12.16% |
| Net Profit | 3,395,285.73 | 3,080,028.68 | 10.24% |
| Distributable Profit/ (Loss) after P/L Appropriation and Regulatory Adjustments | 1,862,787.25 | 580,361.62 | 220.97% |
| Capital Adequacy (%) | 11.77 | 11.88 | -0.93% |
| NPL% | 2.62 | 2.17 | 20.74% |
| Cost of Fund (%) | 4.39 | 5.95 | -26.22% |
| Annualized EPS (In Rs.) | 24.10 | 21.86 | 10.24% |
| Net Worth per Share (In Rs.) | 219.97 | 199.21 | 10.42% |
| Qtr end PE Ratio (times) | 15.93 | ||
| Qtr End Market Price | 383.77 | - | - |
