Nepal’s Commercial Banks Report Mixed Net Profit Figures by End of Baisakh 2082

Nepal's commercial banking sector posted varied net profit figures as of the end of Baisakh 2082, reflecting differences in operational efficiency, credit performance, and interest management across institutions.

Among the top performers, NABIL Bank led the sector with a notable net profit of Rs. 5.60 billion, closely followed by Global IME Bank at Rs. 5.36 billion, and NMB Bank at Rs. 5.02 billion. These banks continued their strong earnings trajectory, driven by diversified loan portfolios and efficient cost management.

Everest Bank Limited (EBL) and Prime Commercial Bank also showed robust performance, recording net profits of Rs. 3.90 billion and Rs. 2.58 billion respectively. Similarly, Nepal Bank Limited (NBL) and Laxmi Sunrise Banksecured healthy profits of Rs. 3.29 billion and Rs. 2.15 billion, indicating steady income generation despite a tight credit market.

Mid-tier banks like Sanima, Prabhu, and Standard Chartered Nepal (SCBNL) reported profits in the range of Rs. 1.87 to Rs. 2.35 billion, showcasing moderate performance. However, banks such as NIC Asia, Kumari Bank, and Himalayan Bank Limited (HBL) posted lower figures—Rs. 478.7 million, Rs. 481.9 million, and Rs. 683.4 millionrespectively—highlighting the pressure from rising interest expenses and provisioning.

Notably, Rastriya Banijya Bank (RBB) and Agricultural Development Bank (ADBNL) posted profits of Rs. 1.77 billion and Rs. 1.73 billion, respectively, reflecting their continued challenges in asset quality and return on equity compared to their private sector counterparts.

Overall, the data suggests a mixed but cautiously optimistic picture of the banking sector. High-performing banks are clearly capitalizing on operational scale and digital transformation, while others continue to face profitability headwinds due to competitive pressures and elevated credit risk. With the fiscal year approaching its final quarter, the performance in the remaining months will be critical in shaping annual profitability trends across the sector.