Kamana Sewa Bikas Bank Posts 16.99 Percent Net Profit Growth to NPR 231.15 Million in Q1

28th October 2026, Kathmandu

Kamana Sewa Bikas Bank Limited has registered an expansion in net profit and earnings per share for the first quarter of the fiscal year 2083/84, supported by lower impairment provisions and moderate credit expansion.

KSBBL Posts Net Profit Growth

Financial Performance and Q1 Earnings Growth

According to the un-audited financial statements published for the period ending Ashwin 2083, the national-level development bank recorded improved operational metrics across key parameters.

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• Net Profit Growth: The bank earned a net profit of NPR 231.15 million during the first quarter, representing a 16.99 percent increase compared to NPR 197.58 million generated in the corresponding period of the previous fiscal year.
• Impairment Charge Reduction: Credit impairment charges for potential loan losses decreased significantly by 55.33 percent to NPR 49.40 million, down from NPR 110.60 million recorded in the same period last fiscal year.
• Net Interest Income: Net interest income grew by 1.43 percent to reach NPR 626.48 million, compared to NPR 617.63 million in the previous corresponding quarter.
• Fee and Commission Earnings: Net fee and commission income reached NPR 110.23 million during the three-month period.
• Operating Profit and Revenue: Total operating income rose to NPR 745.88 million, while operating profit reached NPR 338.77 million.
• Capital Reserve and Equity Base: Paid-up capital stood at NPR 4.21 billion, while total reserve funds accumulated to NPR 2.22 billion as of Ashwin end.

Deposit Collection, Credit Portfolio, and Asset Metrics

The financial institution maintained steady trajectory across balance sheet expansion, asset recovery, and profitability ratios.

• Deposit Base: Total customer deposits increased by 2.60 percent to reach NPR 67.90 billion, compared to NPR 66.17 billion recorded in the previous corresponding period.
• Credit Portfolio Expansion: Total loan disbursements expanded by 3.95 percent to NPR 56.34 billion, up from NPR 54.20 billion in the previous corresponding quarter.
• Non-Performing Loans (NPL): The ratio of non-performing loans improved to 3.93 percent of total loans, down from 4.41 percent reported in the same quarter last year.
• Per Share Ratios: Annualized earnings per share (EPS) expanded to NPR 23.13 from NPR 20.46 in the previous corresponding period. Net worth per share stood at NPR 161.84, while the price-to-earnings (P/E) ratio recorded 20.58 times.
• Distributable Profit and Dividend Capacity: Distributable profit stood at NPR 152.16 million, translating into an annualized dividend capacity of 15.76 percent.

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