Lumbini Bikas Bank Returns to Profitability: Earns NPR 327.1 Million in Q1 with Significant NPL Reduction

1st November 2026, Kathmandu

Lumbini Bikas Bank Limited has demonstrated a remarkable financial turnaround in the first quarter of the fiscal year 2083/84, posting a net profit of NPR 327.15 million.

Lumbini Bank Profitability Returns

The bank successfully bounced back into profitability after suffering a net loss of NPR 348.58 million in the corresponding period of the previous fiscal year.

Financial Metrics and Earnings Per Share Turnaround

Following the surge in net profit, key profitability indicators including Earnings Per Share (EPS) and net worth per share showed substantial improvement.

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• Net Profit: NPR 327.15 million (reversing from a net loss of NPR 348.58 million in Q1 FY 2082/83).
• Earnings Per Share (EPS): NPR 36.11 (recovering from a negative EPS of NPR 9.62 recorded in the baseline period).
• Net Worth Per Share: Stood at NPR 216.68.

Deposits, Credit Expansion, and Operating Income Growth

The institution continued to expand its business operations across credit and deposit portfolios while strengthening overall operating income.

• Net Interest Income: Reached NPR 494.4 million, marking an 8.96 percent growth compared to NPR 453.8 million in the previous year’s Q1.
• Total Operating Income: Recorded at NPR 603.5 million.
• Operating Profit: Stood at NPR 434.5 million.
• Total Deposit Mobilization: Accumulated NPR 57.30 billion.
• Credit & Advances Expansion: Reached NPR 49.09 billion, representing a 4.32 percent growth over NPR 47.05 billion in the same period last year.
• Total Assets: Expanded to NPR 67.66 billion.
• Total Shareholders’ Equity: Stood at NPR 7.85 billion.

Non-Performing Loan (NPL) Reduction and Risk Management

Through improved credit risk management strategies, the bank successfully brought down its bad loans ratio during the review period.

• Non-Performing Loan (NPL) Ratio: Reduced to 6.99 percent (down from 7.78 percent in the baseline period).

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