Garima Bikas Bank Posts NPR 240.1 Million Net Profit in Q1: Business Portfolio Reaches NPR 101.5 Billion Deposits

1st November 2026, Kathmandu

Garima Bikas Bank Limited has published its unverified financial statement for the first quarter of the fiscal year 2083/84 (ending Mid-October 2026).

Garima Bank Posts Profit 

The bank earned a net profit of NPR 240.12 million during the review period. Although net profit experienced a slight contraction of 4.17 percent compared to the NPR 250.58 million recorded in the corresponding period of the previous fiscal year, the bank demonstrated consistent growth across its core business operations, credit flow, and deposit collection.

Net Profit and Shareholder Return Metrics

The bank maintained solid key performance indicators, reflecting steady operational stability and shareholder returns.

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• Net Profit: Reported at NPR 240.12 million, registering a marginal decrease of 4.17 percent compared to NPR 250.58 million in Q1 FY 2082/83.
• Earnings Per Share (EPS): Recorded at NPR 14.50.
• Net Worth Per Share: Stood at NPR 166.38.
• Return on Equity (ROE): Achieved 9.15 percent.
• Return on Assets (ROA): Stood at 0.84 percent.

Deposit Mobilization, Credit Flow, and Asset Growth

The institution continued to expand its total balance sheet size through steady expansion in deposits and loans to customers.

• Total Deposit Collection: Reached NPR 101.53 billion, growing by 3.11 percent compared to NPR 98.47 billion in the corresponding quarter last year.
• Total Credit and Advances: Expanded to NPR 80.22 billion, representing a 1.90 percent increase over NPR 78.73 billion in the baseline period.
• Total Assets: Increased by 1.90 percent to NPR 115.25 billion, up from NPR 113.06 billion recorded in Q1 of the previous year.

Revenue Generation and Operating Parameters

Strong interest revenue underscores the institution’s solid credit performance and low funding costs.

• Gross Interest Income: Accumulated to NPR 1.82 billion during the quarter.
• Net Interest Income: Expanded to NPR 920.8 million.
• Base Rate: Maintained at 5.18 percent.
• Cost of Funds: Stood at 3.46 percent.
• Credit to Deposit (CD) Ratio: Recorded at 84.18 percent.
• Non-Performing Loan (NPL) Ratio: Maintained at 4.81 percent.

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