Kathmandu. The commercial banks which have received 'A' category recognition from Nepal Rastra Bank have published their annual financial statements for the last financial year 2079/80. According to their annual financial statement, the net profit has increased significantly in the last year compared to the previous financial year. Distributable profit has decreased.

Similarly, the bad loans which were continuously increasing till the third quarter of last year, have been seen to decrease slightly in the fourth quarter. However, the situation of bad loans of commercial banks has not improved enough. By the end of the last year, the situation of indicators such as net profit, earnings per share, bad loans, spread rate and paid-up capital in commercial banks is mentioned here.

Net profit : In the last year 2079/80, commercial banks have earned a net profit equal to 70 billion 17 million rupees. The distributable profit of commercial banks is low. The profit of Nabil Bank Limited in the last year is Rs 7 billion 52 crore 71 lakh.

Global IME Bank Limited is second in the list of banks that have earned the most profit in the last year. Global IME Bank, which made a profit of Rs 4.95 crore 92 lakh in the previous year, has earned a profit of Rs 7.25 crore 34 lakh in the last year. Rashtriya Commercial Bank is on the third place in the list of commercial banks that earned the most profit last year. 

In the list of commercial banks that earn more profit, NIC Asia Bank is at number four. NIC Asia Bank has earned a profit equal to Rs. Another bank that earns more than four billion profit is Nepal Investment Mega Bank Limited. Investment Mega Bank earned Rs 4 billion 65 crore 13 lakhs last year. The number of banks earning annual profit above three billion rupees and below four billion rupees is seven. Last year, Standard Chartered Bank earned a profit of Rs 3.52 billion 54 lakhs, Nepal Bank Limited Rs.

Similarly, Himalayan Civil Bank has earned a profit of Rs 3.26 crore 61 lakh, Siddharth Bank Rs 3.19 crore 1 lakh and Krishi Bikas Bank has earned a profit of Rs 3.99 crore 93 lakh. Six commercial banks have made a profit between two billion to three billion rupees, while the profit of two commercial banks has decreased to less than two billion rupees.

Last year, Prabhu Bank earned a profit of Rs 2.82 billion 52 million, Sanima Bank earned a profit of Rs 2.61 billion 92 million and Prime Commercial Bank earned a profit of Rs 2.26 billion 31 million. The profit of Lakshmi Sunrise Bank is Rs 2.26 billion 1.8 million, the profit of Nepal SBI Bank is Rs 2.24 billion 1.6 million and the profit of Citizens Bank is Rs 2.21 billion 44 million.

Earnings per share : Among commercial banks, NIC Asia Bank ranks first, Standard Chartered Bank ranks second and National Commercial Bank ranks third on the basis of earnings per share. NIC Asia Bank's earnings per share is Rs 40.22. Standard Chartered Bank's earnings per share is Rs 37.39 while that of National Commercial Bank is Rs 33.96. Similarly, Everest Bank's Rs 31.72, Nabil Bank's Rs 27.82, Nepal Bank's Rs 23.22, Siddharth Bank's Rs 22.64 and Nepal SBI Bank's Rs 22.14.

Sanima Bank's earnings per share is Rs 21.00 two, Krishi Bikas Bank's Rs 20.62, Global IME Bank's Rs 20.28, Lakshmi Sunrise Bank's Rs 19.44, NMB Bank's Rs 18.00 five and Machhapuchhre Bank's Rs 15.00 five. is From last year's profit, the income per share of Nepal Investment Mega Bank is Rs 16.007, the income per share of Citizens Bank is Rs 15.59 and the income per share of Himalayan Bank is Rs 15.008. Similarly, Prabhu Bank's Rs 12, Prime Commercial Bank's Rs 11.66 and Kumari Bank's Rs 7.46.

Bad Loan: Kumari Bank's bad loans are the highest at 4.77 percent. It is equal to 4.57 percent of Himalayan Bank, 4.35 percent of Investment Bank Mega Bank and 4.23 percent of Prime Bank. Prabhu Bank's bad loans are equal to 4.16 percent. Similarly, it is equal to 3.2 percent of Nabil Bank, 3.08 percent of Global IME Bank and 3.19 percent of Citizens Bank.

Bad loans of National Commercial Bank are 2.95 percent, Nepal Bank is 2.85 percent, NMB Bank is 2.72 percent, Krishi Bikas Bank is 2.48 percent, Lakshmi Sunrise Bank is 2.28 percent, Nepal SBI Bank is 2.43 percent and Machhapuchhre Bank is It is 2.12 percent. Similarly, bad loans of Standard Chartered Bank are equal to 1.17 percent, Siddharth Bank is 1.07 percent, Sanima Bank is 1.3 percent, NIC Asia Bank is 0.8 percent and Everest Bank is 0.79 percent.

Paid up capital : Global IME Bank is currently the largest bank in terms of paid-up capital. By the end of last June, the paid-up capital of Global IME Bank is equal to 35.77 billion rupees. On the basis of paid-up capital, Nepal Investment Bank, which is in second place, has Rs. 34.12 billion and Nabil Bank, which is in third place, has Rs. 27.5 billion. Kumari Bank's paid-up capital is Rs 26.23 billion, Prabhu Bank's Rs 54 billion, Himalayan Bank's Rs 21.65 billion and Lakshmi Sunrise Bank's Rs 21.67 billion.

Similarly, National Commercial Bank's Rs 15.63 billion, NIC Asia Bank's Rs 11.56 billion, Standard Chartered Bank's Rs 9.42 billion, Nepal Bank's Rs 14.69 billion and NMB Bank's Rs 18.36 billion. Similarly, Everest Bank Rs 10.69 billion, Siddharth Bank Rs 14.88 billion, Krishi Bikas Bank Rs 18.88 billion, Sanima Bank 12.46 billion, Prime Bank 19.4 billion, Nepal SBI Bank Rs 10.12 billion, Citizens The paid-up capital of the bank is Rs 14.2 billion and Machhapuchhre Bank is Rs 10.25 billion.