Kumari Bank Reports Staggering 305 Percent Net Profit Growth in Fiscal Year 2082/83

12th August 2026, Kathmandu

Kumari Bank Limited, a prominent commercial bank operating in Nepal, has released its unaudited financial statements for the fourth quarter of fiscal year 2082/83.

Kumari Bank Profit Growth

The disclosure highlights a dramatic turnaround in profitability, characterized by a massive surge in net profit, substantial expansion in operating profit, and solid growth across deposit mobilization and loan disbursement. Despite facing asset quality pressures from non performing assets, the financial institution demonstrated strong revenue recovery and elevated earnings per share.

Staggering Growth in Net Profit and Operating Income

Kumari Bank recorded a staggering 305.95 percent increase in net profit for fiscal year 2082 83, with bottom line earnings reaching 7.38 billion Rupees. In the previous fiscal year 2081 82, the bank had posted a net profit of 1.81 billion Rupees.

The primary operational and income drivers contributing to the annual performance include:

• Net Interest Income: Revenue derived from core interest margins grew by 3.36 percent to reach 12.01 billion Rupees, up from 11.62 billion Rupees reported in the previous fiscal period.
• Net Fee and Commission Income: The bank generated 3.04 billion Rupees in fee and commission revenue, expanding from 2.66 billion Rupees in fiscal year 2081 82.
• Total Operating Income: Total top line operating revenue rose to 16.35 billion Rupees, compared to 15.19 billion Rupees in the prior fiscal year.
• Operating Profit: Operating profit experienced a massive upward surge to reach 11.23 billion Rupees, more than doubling the 5.58 billion Rupees recorded in the preceding year.

Distributable Profit Capital Reserves and Dividend Capacity

Kumari Bank reported a positive distributable profit of 791.66 million Rupees for the fiscal year 2082/83.

Based on the net distributable profit figure after mandatory regulatory adjustments, the dividend distribution capacity of the bank stands at 3.02 percent.

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The financial standing of the institution is supported by a solid equity structure:

• Total Paid Up Capital: The bank maintains a paid up capital base of 26.22 billion Rupees.
• Reserve Fund: Total capital and statutory reserves held by the bank stand at 17.77 billion Rupees.

Expansion in Deposit Collection and Loan Disbursement

During the review period, Kumari Bank continued to expand its market presence and balance sheet through active deposit mobilization and credit delivery.

Total deposit collection increased by 10.44 percent to reach 402.73 billion Rupees by the end of fiscal year 2082 83, up from 364.63 billion Rupees recorded in fiscal year 2081/82.

Similarly, overall loan investment expanded by 4.07 percent to 270.92 billion Rupees, compared to 260.32 billion Rupees extended in the previous fiscal year.

Per Share Metrics and Non Performing Loan Trends

The financial gains achieved during the fiscal year led to a substantial improvement in earnings per share, although asset quality metrics require ongoing operational monitoring.

• Earnings Per Share: Annualized earnings per share increased significantly from 6.94 Rupees in the previous fiscal year to 28.17 Rupees by the close of fiscal year 2082/83.
• Net Worth Per Share: The reported net worth per share of the commercial bank stood at 170.80 Rupees.
• Non Performing Loan Ratio: The non performing loan ratio increased from 6.95 percent to 7.46 percent during the twelve month period.

Summary of Overall Financial Standing

The fourth quarter financial results of Kumari Bank Limited reflect an exceptional operational performance for fiscal year 2082/83. The bank recorded extraordinary growth in net profit, operating income, earnings per share, and deposit mobilization while successfully returning to positive distributable profit status. Although the rise in non performing loans to 7.46 percent highlights continued pressure on asset quality and credit recovery, the substantial boost in core profitability provides the institution with a strong financial buffer to navigate credit risks and sustain future business growth.

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