Kathmandu. Himalayan Bank Limited (HBL) reported a net profit of Rs 1.51 billion for the full fiscal year 2081/082 (ending mid-July 2025). 

According to the financial statement, the bank earned a profit of Rs 1.51 billion in the last fiscal year. The previous fiscal year 2080. The bank had posted a net profit of Rs 1.23 billion in 2017-19. In this way, the bank's profit has increased by 22.15 percent compared to the previous year.

the bank's distributable profit stood at Rs 7.10 billion. In the previous fiscal year, the bank's net profit stood at Rs 7.44 billion.

In the review year, the operating profit of the bank increased to Rs 5.43 billion. In the previous fiscal year, the operating profit was Rs 2.88 billion. The operating profit of the bank also increased by 88.41 percent.

In the fourth quarter of the last fiscal year, the bank earned Rs 10.45 billion in interest income. In the same period last year, the bank had earned Rs 11.61 billion in interest income. Interest income increased by 9.99 percent.

With a paid-up capital of Rs 21.65 billion, the bank's retained earnings stood at Rs 7.10 billion and reserves at Rs 23.35 billion. In the previous fiscal year, the retained earnings stood at Rs 7.44 billion, while the reserve was Rs 22.40 billion.

In the review year, the bank's bad loan ratio (NPL) increased to 7.28 percent. In the same period last year, the bank's NPL was 4.98 percent.

The bank's annualized earnings per share (EPS) increased to Rs 6.98. Last year, the EPS was Rs 5.72. The bank has a net worth of Rs 175.07 per share with a PE ratio of 33.98 times.

• Q1 (First Quarter): Rs 726.43 million
• Q2 (Second Quarter): Rs 1.518 billion (a marginal 0.98% increase over Q2 2080/081)
• Q3 (Third Quarter): Rs 500.04 million
• Q4 (Fourth Quarter): The cumulative net profit for the entire fiscal year was Rs 1.51 billion. 

• Earnings Per Share (EPS): Rs 6.70 (annualized)
• Non-Performing Loan (NPL) ratio: Increased to 7.28%
• Distributable profit: Remained negative at Rs 7.10 billion