Citizen Investment Trust (CIT) Earns Nearly Rs 1 Billion Profit in First Nine Months, EPS Reaches Rs 19.32

8th May 2026, Kathmandu

Citizen Investment Trust (CIT), one of Nepal’s premier financial institutions, has reported a robust financial performance for the first nine months of the fiscal year 2082/83.

Citizen Investment Trust Profit

According to the third-quarter financial statement ending in Chaitra, the organization has demonstrated impressive resilience and growth. The latest Citizen Investment Trust profit figures confirm its status as a cornerstone of the national financial sector, driven by a significant surge in service-based revenue and disciplined expense management.

As a central manager of citizen savings and specialized investment programs, CIT’s ability to maintain high profitability is a positive indicator for millions of savers and the broader capital market in Nepal.

CIT Net Profit Increases in Third Quarter

During the review period, Citizen Investment Trust successfully increased its bottom line. The institution posted a net profit of Rs 98.60 crore for the first three quarters of the current fiscal year. This is a notable improvement compared to the Rs 89.90 crore earned during the same period in the previous fiscal year.

This steady year-on-year growth highlights the efficiency of CIT’s investment strategies and its success in diversifying income streams. By nearing the Rs 1 billion profit milestone within just nine months, the trust is on track for a record-breaking year-end performance.

Service Fees and Commission Income Drive Revenue

The primary engine behind the Citizen Investment Trust profit growth has been its fee-based income. Unlike traditional banks that rely heavily on interest spreads, CIT generates a massive portion of its revenue from managing various funds and investment schemes.

In the current year, service fee and commission income rose to Rs 1.30 billion, up from Rs 1.19 billion in the previous year. Net interest income also saw a positive shift, climbing to Rs 25.98 crore from Rs 24.01 crore. Overall, the total income for the current period reached Rs 1.64 billion, compared to Rs 1.52 billion in the previous fiscal year. While miscellaneous income saw a slight dip to Rs 7.37 crore, the surge in service charges more than compensated for the difference.

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Management Expenses Remain Stable

A critical factor in the company’s profitability is its ability to control operational costs while scaling up. The financial statement reveals that CIT’s total expenses actually decreased slightly, moving from Rs 32.88 crore to Rs 32.50 crore.

Management expenses were kept in check at Rs 20.71 crore, down from Rs 21.83 crore last year. Even with a minor increase in expense provisions (rising to Rs 11.78 crore), the overall stability in operational costs has allowed a larger portion of the revenue to flow directly into the net profit.

EPS and Net Worth Overview

For shareholders and potential investors, the per-share metrics remain a key point of interest. The institution reported an Earnings Per Share (EPS) of Rs 19.32. This reflects a stable and healthy return on investment for those holding CIT stock.

Additionally, the net worth per share currently stands at Rs 47.11. These indicators, combined with the company’s market reputation, reinforce CIT’s position as a low-risk, high-stability financial entity within the Nepal Stock Exchange (NEPSE).

Strong Paid-Up Capital and Massive Reserve Fund

Citizen Investment Trust maintains one of the most formidable financial positions in the country. The current capital and reserve structure is a testament to its long-term stability:

The institution operates with a paid-up capital of Rs 6.80 billion. More impressively, it holds a massive reserve fund of Rs 12.68 billion. This high reserve-to-capital ratio provides CIT with an enormous capacity for long-term investments in national infrastructure and capital market instruments, ensuring it can withstand market volatility while continuing to reward its contributors.

Conclusion

The third-quarter report for the fiscal year 2082/83 confirms that Citizen Investment Trust is operating at peak efficiency. With the Citizen Investment Trust profit nearing the Rs 1 billion mark, supported by a billion-rupee commission income and stable expenses, the organization continues to be a leader in Nepal’s financial sector. For the millions of citizens whose savings are managed by CIT, these results offer continued confidence in the safety and growth of their investments.

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