Prabhu Bank Limited Published Unaudited Financial Results for Fiscal Year 2082/83

14th August 2026, Kathmandu

Prabhu Bank Limited has published its unaudited financial statements for the fourth quarter of fiscal year 2082/83.

Prabhu Bank Financial Results Published 

The financial disclosure outlines significant pressure on overall profitability alongside a surge in non performing assets despite double digit expansion in net interest income.

Shift to Net Loss and Profitability Contraction

The fourth quarter financial report details a transition into negative net earnings during the fiscal period:

• The bank reported a net loss of Rupees 241.2 million for fiscal year 2082/83.
• This reflects a sharp contraction compared to the net profit of Rupees 872.3 million earned during the preceding fiscal year.

The primary factors driving the shift into a loss include elevated non performing loan levels and higher provisioning requirements for risk management.

Operating Performance and Revenue Stream Trends

Core revenue generation and operating expenditure lines shifted as follows across the review year:

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• Net Interest Income: Net interest earnings rose by 28.72 percent to reach Rupees 9.27 billion compared to Rupees 7.20 billion reported in the prior fiscal year.
• Operating Profit: Operating profit fell by 14.33 percent down to Rupees 1.59 billion from Rupees 1.86 billion recorded a year earlier.
• Fee and Commission Income: Net fee and commission income accumulated to Rupees 2.21 billion during the fiscal period.

Asset Quality Metrics and Provisioning Pressures

Asset quality indicators experienced significant pressure during the fiscal year:

• Non Performing Loan Ratio: The non performing loan NPL ratio surged to 15.55 percent compared to 7.01 percent recorded in the previous fiscal year.
• Risk Provisioning: Higher default levels across credit lines required increased provisioning buffers which directly impacted bottom line profitability.

Deposit Portfolio Credit Disbursements and Distributable Earnings

Prabhu Bank Limited maintained a large market footprint across core banking activities:

• Deposit Collection: Total customer deposits reached Rupees 348 billion by the close of the fourth quarter.
• Loan Portfolio: Total loan disbursements and credit advances stood at Rupees 214 billion.
• Distributable Profit: Distributable profit remained in negative territory at Rupees 633.1 million compared to a negative Rupees 256.5 million recorded in the preceding fiscal year.

Per Share Valuation Metrics

The net loss directly impacted key per share equity indicators:

• Earnings Per Share: Annualized earnings per share turned negative dropping from Rupees 3.71 to negative Rupees 1.02.
• Net Worth Per Share: The reported net worth per share of the bank stood at Rupees 189.60 at the end of the fiscal period.

Summary of Fiscal Performance and Outlook

The financial results for fiscal year 2082/83 highlight operational challenges for Prabhu Bank Limited.

While a 28.72 percent increase in net interest income indicates stable underlying interest revenue managing the elevated NPL ratio of 15.55 percent and restoring asset quality will serve as critical priorities for corporate recovery in upcoming fiscal periods.

For More: Prabhu Bank Financial Results Published