Everest Bank Earns NPR 1.17 Billion Net Profit in Q1 FY 2025/26

7th November 2025, Kathmandu

The Nepalese banking sector is buzzing following the release of Everest Bank Limited’s (EBL) unaudited financial report for the first quarter of the fiscal year 2025/26. The figures underscore the bank’s stability and strategic growth, cementing its position as a powerhouse of profitability in the market.

Everest Bank Earns Profit

The headline-grabbing news is the impressive NPR 1.17 billion net profit earned by the Everest Bank, a clear signal of robust performance and efficient operations. This significant achievement, coupled with a solid Earnings Per Share (EPS) of NPR 36.44, provides a compelling narrative for investors focused on long-term value and consistent returns.

Net Profit Growth: A Testament to Financial Resilience

Everest Bank’s reported net profit of NPR 1.17 billion for Q1 FY 2025/26 represents a commendable 4.56% year-on-year (YoY) increase from the NPR 1.12 billion posted in the same quarter of the previous fiscal year. This upward trajectory is particularly noteworthy in a dynamic financial landscape, demonstrating the bank’s inherent financial strength and its ability to not just sustain, but actively grow, its bottom line. This steady, albeit measured, profit growth is a crucial indicator for investors looking for stability and predictable performance. It suggests that EBL has effectively navigated the current economic environment, turning potential headwinds into opportunities for increased shareholder wealth.

The consistency in net profit growth can be largely attributed to the bank’s fundamental operating efficiencies. A strong focus on core banking activities and strategic resource allocation has clearly paid dividends. The underlying factors driving this profit surge are multifaceted, but the dominant forces point towards strategic growth in its primary revenue streams and disciplined cost management.

The Core Driver: Soaring Net Interest Income

A closer look at the financial report reveals the true engine behind Everest Bank’s Q1 success: a substantial jump in Net Interest Income (NII). The bank recorded a NII of NPR 2.40 billion, marking a considerable 12.38% increase from NPR 2.13 billion in the corresponding period last year. Net Interest Income is the lifeblood of a commercial bank, representing the difference between the interest earned on loans and the interest paid on deposits.

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This double-digit growth in NII is a powerful affirmation of Everest Bank’s effective management of its interest-earning assets and interest-bearing liabilities. It signifies successful strategies in expanding its loan portfolio—lending more and smarter—while simultaneously managing its cost of funds. An increase in NII of this magnitude often suggests an improvement in the Net Interest Margin (NIM), a key profitability metric that reflects how efficiently a bank is converting its assets into profit. This strong performance in the core business activity is arguably the single most compelling reason for the bank’s increased profitability and its appeal to savvy market analysts and investors.

Operating Profit and Strategic Cost Control

Further bolstering the excellent Q1 results is the increase in Operating Profit, which rose to NPR 1.68 billion, up from NPR 1.61 billion, representing a 4.58% growth. Operating profit is a critical measure as it reflects a company’s profit from its regular business operations before accounting for interest and taxes. The near-perfect correlation between the net profit growth (4.56%) and the operating profit growth (4.58%) suggests that the bank’s profitability gains are fundamentally rooted in its operational efficiency.

This metric confirms that the bank has maintained efficient cost management—a factor explicitly highlighted in the financial summary. By controlling operational expenses while simultaneously growing its primary revenue streams, Everest Bank has demonstrated a mature and disciplined approach to financial management. This discipline ensures that a larger proportion of its gross revenue successfully trickles down to the bottom line, thereby reinforcing shareholder confidence in the bank’s management team and long-term business model. The operational performance provides a strong foundation that supports the quality of the bank’s net profit.

Investor Metrics: EPS and Net Worth per Share

For investors, the most direct and crucial metric is the Earnings Per Share (EPS). Everest Bank’s EPS stands firm at NPR 36.44. This number represents the portion of a company’s profit allocated to each individual share of its outstanding common stock and is a vital indicator of a company’s profitability and value. A high EPS makes the stock more attractive, suggesting the bank is highly efficient at generating profits relative to its outstanding shares.

Additionally, the Net Worth Per Share (NWPS) is reported at NPR 255.69. Net Worth Per Share is a measure of the total value of the bank’s assets minus its liabilities, divided by the number of outstanding shares. This high figure indicates a strong intrinsic value and substantial equity base, reflecting the bank’s overall financial health and its ability to absorb potential financial shocks. The bank’s Paid-up Capital of NPR 12.94 billion further establishes a solid capital base, satisfying regulatory requirements and providing the necessary foundation for future business expansion. These robust ratios collectively position Everest Bank as a premium choice for investors prioritizing quality and sustained returns in the Nepalese banking sector. The steady improvement across these key financial indicators is a clear sign that Everest Bank is successfully executing its strategy for sustained profitability and is undoubtedly a top-tier performer in the competitive financial market of Nepal.

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