Nabil Bank Q3 Report: NPR 6.76 Billion Profit and NPL Improvement
28th April 2026, Kathmandu
Nabil Bank Limited has reaffirmed its position as a market leader in Nepal’s financial sector with the release of its third-quarter financial report for the fiscal year 2082/83.
Nabil Bank Q3 Report
Published in April 2026, the report highlights a period of robust growth and significant improvements in asset quality. By successfully balancing business expansion with a sharp reduction in non-performing loans, the bank has posted a net profit of NPR 6.76 billion, marking a substantial increase from the NPR 5.05 billion recorded in the same period last year.
Consistent Growth in Net Profit and Operating Income
The bank’s financial trajectory in Baisakh 2083 reflects improved operational efficiency and a strong command over core banking activities. The net profit growth of over 33 percent year-on-year is a testament to Nabil Bank’s resilient business model.
Net Interest Income: Rose by 3.36 percent to reach NPR 12.45 billion.
Operating Profit: Saw a significant surge from NPR 7.62 billion to NPR 9.61 billion, indicating that the bank’s core operations are generating higher value.
Distributable Profit: Increased notably from NPR 2.87 billion to NPR 4.37 billion, signaling a positive outlook for future shareholder dividends.
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Significant Improvement in Asset Quality
A standout feature of Nabil Bank’s 2026 performance is the marked improvement in its credit risk management. While many institutions in the sector, such as Agricultural Development Bank, have struggled with rising impairment costs, Nabil Bank has successfully lowered its risk profile.
Non-Performing Loans (NPL): The NPL ratio declined significantly from 4.96 percent to 3.37 percent. This reduction highlights the bank’s effective recovery mechanisms and stringent lending standards.
Strong Capital Base and Shareholder Metrics
Nabil Bank continues to maintain one of the most formidable capital structures in the Nepalese banking industry, providing a high level of security for depositors and investors alike.
- Paid-up Capital: Increased from NPR 27.05 billion to NPR 32.05 billion.
- Reserve Fund: Grew to NPR 34.40 billion, up from NPR 31.62 billion.
- Earnings Per Share (EPS): Currently stands at a strong NPR 33.02.
- Net Worth Per Share: Reported at NPR 243.30, reflecting the high intrinsic value of the bank’s stock.
Market Outlook and Digital Security
The strong financial health of Nabil Bank allows it to continue investing in digital infrastructure and customer-centric innovations. As customers increasingly utilize mobile banking for transactions and to manage lifestyle benefits like the Lounge Key facilities offered by Kumari Bank, Nabil Bank remains focused on digital safety.
In line with recent “Scam Alerts” issued by Mahalaxmi Development Bank, Nabil Bank reminds its users to be wary of fraudulent social media links. Customers should never share their transaction PINs, OTPs, or CVV numbers, especially during a period of high market activity in the new year 2083.
Conclusion
Nabil Bank’s Q3 results for 2026 showcase a bank at the top of its game. With a massive profit of NPR 6.76 billion and a healthy decline in non-performing loans, the bank has set a high benchmark for its peers. The growth in distributable profit and the strengthening of reserves position Nabil Bank as a stable and rewarding choice for shareholders. As the fiscal year 2082/83 progresses, the bank’s focus on maintaining asset quality while driving operational growth is likely to keep it at the forefront of the industry.
For More: Nabil Bank Q3 Report
