SCB
·

By Sandeep Chaudhary

Standard Chartered Nepal Q4 Results: Stable Profitability Despite Revenue Dip

Standard Chartered Nepal Q4 Results: Stable Profitability Despite Revenue Dip

Standard Chartered Bank Nepal (SCB) has published its Q4 audited financial results for FY 2024/25, reflecting a slight decline in revenues but maintaining strong profitability, efficiency, and balance sheet strength.

The bank posted a total revenue of Rs. 8.33 billion, down 6.60% YoY compared to Rs. 11.08 billion in Q4 FY 2023/24. Revenue contraction persisted throughout the year with quarterly drops of 23.05% in Q3 and 31.08% in Q2.

Despite this, gross profit stood at Rs. 4.48 billion, with a healthy gross margin of 53.84%, slightly higher than 46.52% in the same period last year.

Net income came in at Rs. 3.03 billion, slightly below last year’s Rs. 3.30 billion, but still reflecting robust profitability. The net profit margin improved to 36.33%, up from 29.86% last year, supported by disciplined cost management and stable interest income.

On profitability ratios, Return on Assets (ROA) remained at a solid 2.04%, while Return on Equity (ROE) stood at 14.41%, consistent with last year’s 16.42%, highlighting SCB’s superior efficiency compared to many peers in the sector.

Earnings per share (EPS, annualized) reached Rs. 30.17, while the price-to-earnings (PE) ratio stood at 21.75, showing balanced valuation in line with the market. Book value per share improved to Rs. 216.96, with the market value closing at Rs. 656.10. Last year, the bank distributed a dividend of Rs. 25.50 per share, while no dividend has been declared yet for this year.

Financial Sector Indicators

  • Capital Adequacy (Capital Fund to RWA): 17.82%, above regulatory minimum and indicating strong capitalization.

  • NPL ratio: Improved to 1.47%, down from 2.14% last year, reflecting stronger asset quality.

  • Provisioning coverage: Strengthened to 160.08%, compared to 126.03% a year earlier, ensuring adequate risk buffers.

  • Cost of funds: Declined to 3.22% from 3.84%, reducing funding pressure.

  • Base rate: Fell to 4.99%, from 6.60% last year, making lending more competitive.

  • Net interest spread: Maintained at 3.53%, stable with previous quarters.

  • Liquidity: Net liquid asset ratio rose to 46.30%, up from 42.48% last year, ensuring ample liquidity cushion.

Related Blogs

Prabhu Insurance Q4: Stable Revenue, Declining Profitability, and Strong Valuation Premium
PRIN

2 min read

Prabhu Insurance Q4: Stable Revenue, Declining Profitability, and Strong Valuation Premium

Prabhu Insurance (PRIN) has published its audited Q4 2024/25 results, showing weaker performance compared to last year. The company’s total revenue fell by 25.70% YoY to Rs. 962.10 million, while net income dropped sharply by 56.8% to Rs. 211.96 million. Profit margins compressed, with net margin declining to 22.03% from 48.47% a year ago. Similarly, returns weakened as ROA slipped to 3.24% and ROE to 6.38%, both well below last year’s levels. Earnings per share also fell significantly to Rs. 14.70 from Rs. 34.05, while the P/E ratio jumped to 61.89, indicating the stock remains highly valued despite reduced profitability. On the balance sheet side, book value per share improved to Rs. 325.91, and the market value per share closed at Rs. 910, showing that PRIN trades at nearly 2.8 times its book value. Operationally, the company issued 123,873 policies, almost flat YoY, while renewed policies rose 27.95%. Claims paid fell by 24.96%, but outstanding claims increased, raising some concerns. Although PRIN had distributed Rs. 18.95 per share in dividend earlier, the steep decline in profitability could pressure future payouts. Overall, the insurer shows stable topline operations but is facing profitability and efficiency challenges despite maintaining high market valuations.

Sandeep Chaudhary

·

22 Aug, 2025

Hathway Investment Nepal Q4: Revenue Jumps Sharply, Margins Stable, But Valuation Stretched
HATHY

1 min read

Hathway Investment Nepal Q4: Revenue Jumps Sharply, Margins Stable, But Valuation Stretched

Hathway Investment Nepal reported Q4 revenue of Rs. 197.49 million (+275.88% YoY) and net income of Rs. 64.95 million (-22.67% YoY). Margins remain stable with 32.89% net margin, but ROA (2.39%) and ROE (3.08%) indicate moderate returns. EPS stood at Rs. 2.29, while the stock trades at a very high P/E of 531.92, signaling stretched valuations. Despite the revenue rebound, the absence of dividends this year contrasts with last year’s Rs. 10.53 payout.

Sandeep Chaudhary

·

22 Aug, 2025

NESDO Laghubitta Q4: Heavy NPL Pressure Drags Earnings into Red Despite Strong Revenue Base
NESDO

1 min read

NESDO Laghubitta Q4: Heavy NPL Pressure Drags Earnings into Red Despite Strong Revenue Base

NESDO Sambridha Laghubitta reported Q4 revenue of Rs. 530.40 million (-33.31% YoY) but slipped into a net loss of Rs. 10.09 million, compared to Rs. 67.86 million profit last year. High NPLs at 21.06% and a stretched CD ratio of 167.84% have severely impacted earnings. ROA and ROE turned negative at -0.24% and -1.23%, while EPS fell to -3.47. Despite financial stress, the stock trades at Rs. 1,716.78, showing market optimism, though no dividend was declared this year

Sandeep Chaudhary

·

22 Aug, 2025

City Hotel Limited Q4: Heavy Losses Persist Despite Strong Revenue Base
CITY

1 min read

City Hotel Limited Q4: Heavy Losses Persist Despite Strong Revenue Base

City Hotel Limited (CITY) reported Q4 FY 2024/25 revenue of Rs. 522.31 million (-9.09% YoY) but a net loss of Rs. 198.97 million. Gross profit margin stood at 28.77%, while net margin was deeply negative at -38.09%. ROA and ROE were -3.58% and -13.83% respectively. EPS came in at -Rs. 11.89, with book value declining to Rs. 80.83. Despite ongoing losses, CITY’s market value per share jumped to Rs. 873.65, suggesting that investors are pricing in long-term tourism recovery prospects.

Sandeep Chaudhary

·

22 Aug, 2025

Standard Chartered Nepal Q4 Results: Stable Profitability Despite Revenue Dip
SCB

1 min read

Standard Chartered Nepal Q4 Results: Stable Profitability Despite Revenue Dip

Standard Chartered Bank Nepal (SCB) reported Q4 FY 2024/25 revenue of Rs. 8.33 billion (-6.60% YoY) with net income of Rs. 3.03 billion (-8.4% YoY). Despite revenue pressure, profit margin strengthened to 36.33%, while ROE stood at 14.41%. Asset quality improved with NPLs down to 1.47% and provisioning coverage rising to 160%. EPS stood at Rs. 30.17, with a PE ratio of 21.75. The bank continues to maintain strong capitalization and liquidity, positioning itself as one of the most stable commercial banks in Nepal.

Sandeep Chaudhary

·

22 Aug, 2025

Prime Commercial Bank Q4 Results: Strong Profitability Despite Revenue Slowdown
PCBL

1 min read

Prime Commercial Bank Q4 Results: Strong Profitability Despite Revenue Slowdown

Prime Commercial Bank (PCBL) reported Q4 FY 2024/25 revenue of Rs. 23.53 billion (-9.21% YoY) but improved profitability with net income of Rs. 4.02 billion (+6.6% YoY). Net profit margin strengthened to 17.10%. EPS rose to Rs. 20.74, while ROE stood at 12.55%. NPLs increased to 5.56%, but cost of funds fell to 5.21%, supporting better margins. Market value closed at Rs. 276.31 per share.

Sandeep Chaudhary

·

22 Aug, 2025

NIC Asia Bank Q4 Results: Weak Profit Growth Despite Solid Revenue Base
NICA

1 min read

NIC Asia Bank Q4 Results: Weak Profit Growth Despite Solid Revenue Base

NIC Asia Bank (NICA) reported Q4 FY 2024/25 revenue of Rs. 28.81 billion (-29.12% YoY) and net income of just Rs. 161.57 million, down sharply from Rs. 1.38 billion a year earlier. Margins remained thin with net profit margin at 0.56%. ROE dropped to 0.54% and EPS to Rs. 1.08, reflecting weak earnings. Asset quality worsened as NPLs rose to 6.28%, though capital adequacy improved to 14%. Market value per share closed at Rs. 420.05.

Sandeep Chaudhary

·

22 Aug, 2025

Nepal Investment Bank Q4 Results: Strong Profitability Amid Revenue Decline
NIMB

1 min read

Nepal Investment Bank Q4 Results: Strong Profitability Amid Revenue Decline

Nepal Investment Bank (NIMB) reported Q4 revenue of Rs. 36.10 billion (-11.22% YoY) but net income surged 29.9% to Rs. 6.75 billion, with margins strengthening to 18.72%. ROE stood at 10.57% and EPS at Rs. 19.80, reflecting robust profitability. NPL ratio inched up to 5.85%, but loan-loss coverage improved to 108.87%. Lower cost of funds and strong liquidity supported earnings. Market value per share rose to Rs. 231.02, highlighting investor confidence.

Sandeep Chaudhary

·

22 Aug, 2025