Rastriya Banijya Bank Reports Significant Profit Growth in Fourth Quarter Financial Results

13th August 2026, Kathmandu

State-owned Rastriya Banijya Bank Limited, one of the premier commercial banking institutions in Nepal, has officially published its fourth-quarter financial statements for the recently concluded fiscal year.

RBB Reports Profit Growth

The detailed disclosure reflects major positive shifts across key performance indicators, highlighting strong profit growth, expanded top-line revenue, improved operational efficiency, and massive deposit and loan expansion.

The bank performance underscores institutional resilience and effective asset liability management amidst evolving economic conditions and regulatory priorities. Supported by robust core income streams and lower credit risk provisioning, the state-owned enterprise strengthened its capital position while extending its balance sheet footprint across the country.

Substantial Increase in Net Profit and Operating Earnings

Rastriya Banijya Bank recorded a significant surge in bottom-line profitability during the review period. The bank posted a net profit growth of 60.68 percent compared to the previous fiscal year. The substantial expansion in net earnings was driven primarily by strong core revenue generation and a decline in impairment charges set aside for potential credit risks.

The financial metrics highlighting operating profit and interest revenue include:

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• Net Interest Income: Revenue generated from core interest margins increased by 17.85 percent during the review period, serving as the cornerstone of overall operational growth.
• Total Operating Income: Expanding top-line streams propelled total operating income upward by 14.19 percent compared to the prior fiscal year.
• Operating Profit: Supported by revenue growth and cost management, total operating profit experienced a massive surge over the twelve-month period.
• Distributable Profit Turnaround: The distributable profit of the bank achieved a positive turnaround, moving from a negative standing in the previous fiscal year to a solid positive balance at the close of the recent fiscal year.

Capital Reserves Balance Sheet Expansion and Credit Delivery

During the fiscal year, Rastriya Banijya Bank expanded its balance sheet resources, deposit base, and lending portfolio significantly.

The overall capital and asset framework includes:

• Paid-Up Capital: The bank maintained its equity share capital base without dilution across the review period.
• Reserve Fund Growth: Total capital reserves held by the institution recorded steady accumulation, strengthening the overall equity safety buffer.
• Deposit Mobilization: Customer deposit collection witnessed extraordinary expansion, reinforcing the dominant market position of the state-owned lender.
• Loan Portfolio Expansion: The bank scaled up its lending operations, channeling credit toward productive sectors, national infrastructure, commercial enterprises, and retail borrowers.
• Total Asset Growth: Overall total assets controlled by Rastriya Banijya Bank experienced massive expansion, consolidating its status as one of the largest financial institutions in the national banking sector.

Per Share Performance Non-Performing Loans and Cost of Funds

Key efficiency ratios and per-share valuation indicators demonstrated notable improvements, alongside minor shifts in asset quality:

• Earnings Per Share: Annualized earnings per share rose sharply, directly reflecting the 60.68 percent surge in net profit.
• Cost of Funds: The bank funding costs declined noticeably, allowing the institution to maintain competitive lending rates while preserving net interest margins.
• Non-Performing Loan Ratio: The non-performing loan ratio experienced a slight upward tick during the fiscal year. While asset quality requires ongoing credit monitoring and recovery efforts, the ratio remains well managed relative to broader industry headwinds.

Summary of Institutional Standing and Financial Outlook

The fourth-quarter financial results of Rastriya Banijya Bank Limited showcase a powerful financial recovery and business expansion trajectory. The bank achieved robust growth across net profit, operating profit, net interest income, earnings per share, customer deposits, loan disbursements, reserve funds, and overall total assets. Coupled with a reduced cost of funds and positive distributable profit, the state-owned banking leader remains firmly positioned to drive financial inclusion, support national priorities, and deliver sustained growth in the coming fiscal year.

For More: RBB Reports Profit Growth