Siddhartha Bank Posts Higher FY 2025/26 Profit in Q4, EPS Increases Despite Lower Distributable Earnings
4th August 2026, Kathmandu
Siddhartha Bank Limited has published its fourth-quarter financial results for the fiscal year 2025/26 (FY 2082/83), reporting growth in both net profit and earnings per share compared to the previous fiscal year.
Siddhartha Bank Posts Profit
The bank earned a net profit of NPR 3.52 billion, representing a 4.5% increase from NPR 3.37 billion recorded in FY 2024/25.
Net Interest Income And Operating Revenue Improve
Siddhartha Bank’s net interest income increased to approximately NPR 9.05 billion, up from NPR 8.44 billion a year earlier.
Net fee and commission income rose to NPR 1.86 billion, compared to NPR 1.58 billion in the previous fiscal year.
Total operating income climbed by 8.59% to NPR 12.05 billion, while operating profit improved from NPR 4.97 billion to NPR 5.16 billion, reflecting stronger core business performance.
EPS Rises As Base Rate Declines
Earnings per share increased from NPR 22.76 to NPR 23.06 during the review period.
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The non-performing loan ratio rose from 0.66% to 1.06%, indicating a slight increase in impaired assets.
The base rate declined significantly from 6.42% to 5.02%, potentially making borrowing more affordable for customers.
The bank reported a net worth per share of NPR 225.17.
Capital, Loans, And Deposits Expand
Paid-up capital increased from NPR 14.09 billion to NPR 18.29 billion, while the reserve fund stood at NPR 16.92 billion.
Despite stronger profitability, distributable profit declined to NPR 1.71 billion, down from NPR 1.84 billion in the previous fiscal year.
Loan disbursement increased from NPR 214.46 billion to NPR 233.87 billion, while customer deposits grew from NPR 280.32 billion to NPR 327.02 billion.
Key Financial Highlights Summary
- Net Profit: NPR 3.52 billion (up 4.5%)
- Net Interest Income: NPR 9.05 billion
- Net Fee and Commission Income: NPR 1.86 billion
- Total Operating Income: NPR 12.05 billion (up 8.59%)
- Operating Profit: NPR 5.16 billion
- Earnings Per Share: NPR 23.06
- Non-Performing Loan Ratio: 1.06%
- Base Rate: 5.02%
- Net Worth Per Share: NPR 225.17
- Paid-up Capital: NPR 18.29 billion
- Total Loan Portfolio: NPR 233.87 billion
- Total Customer Deposits: NPR 327.02 billion
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