Global IME Bank Reports 22.67 Percent Growth in Net Profit, Strong Improvement Across Key Financial Indicators

5th August 2026, Kathmandu

Global IME Bank Limited has published its unaudited fourth-quarter financial results for the fiscal year 202526, reporting a significant increase in profitability and improvements across most key financial indicators./

Global IME Reports Profit Growth

The commercial bank’s net profit increased by 22.67 percent year-on-year, rising from Rs 5.08 billion in the previous fiscal year to more than Rs 6.22 billion during the review period.

Net Interest Income Declines Slightly

Despite higher overall profitability, the bank’s net interest income experienced a slight decline of 2.86 percent, falling from Rs 16.68 billion to Rs 16.20 billion.

However, fee-based income recorded healthy growth during the financial year, with net fee and commission income increasing from Rs 3.22 billion to Rs 3.64 billion to help support total earnings.

Operating Income and Profit Expansion

Global IME Bank’s total operating income expanded by 2.61 percent during the review period, reaching over Rs 21.80 billion compared to Rs 21.25 billion reported in the prior fiscal year.

Driven by stronger non-interest revenues and operational controls, operating profit surged by 20 percent, climbing from Rs 7.23 billion to Rs 8.68 billion.

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The bank’s distributable profit also improved, rising from Rs 4.05 billion to Rs 4.58 billion, which strengthens its potential dividend distribution capacity for shareholders.

Per Share Metrics and Asset Quality Indicators

The bank reported an improvement in Earnings Per Share, which increased from Rs 13.32 to Rs 16.34 per share.

Meanwhile, asset quality metrics showed a minor shift as the Non-Performing Loan ratio edged up slightly from 4.86 percent to 4.96 percent.

On the interest rate front, the bank’s base rate declined from 5.76 percent to 4.75 percent, while the net worth per share stood at Rs 183.14 at the end of the fourth quarter.

Deposits and Lending Portfolio Expansion

Global IME Bank maintained steady business volume growth and portfolio expansion throughout the fiscal year.

• Paid-up Capital: Rs 38.12 billion
• Reserve Fund: Rs 27.11 billion
• Total Loans and Advances: Increased from Rs 410.11 billion to Rs 439.34 billion
• Total Customer Deposits: Expanded significantly from Rs 550.62 billion to over Rs 669.17 billion

Summary of Key Performance Metrics

• Net Profit: More than Rs 6.22 billion, reflecting a 22.67 percent growth
• Net Interest Income: Rs 16.20 billion, down 2.86 percent
• Net Fee and Commission Income: Rs 3.64 billion, up from Rs 3.22 billion
• Total Operating Income: Over Rs 21.80 billion, up 2.61 percent
• Operating Profit: Rs 8.68 billion, up 20 percent
• Distributable Profit: Rs 4.58 billion, up from Rs 4.05 billion
• Earnings Per Share: Rs 16.34, up from Rs 13.32
• Non-Performing Loan Ratio: 4.96 percent, up from 4.86 percent
• Base Rate: 4.75 percent, down from 5.76 percent
• Net Worth Per Share: Rs 183.14
• Total Customer Deposits: Over Rs 669.17 billion
• Total Loans and Advances: Rs 439.34 billion

Strategic Financial Outlook

The fourth-quarter financial results show that Global IME Bank Limited achieved robust earnings growth driven by improved operating performance, stronger fee-based revenues, and expanded lending and deposit activities, successfully balancing a minor dip in net interest income and a slight rise in non-performing loans.

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