११ महिनामा वाणिज्य बैंकको नाफा १९ प्रतिशत बढ्यो, नबिल शीर्ष स्थानमाCommercial Banks’ Profit Rises 19% in First 11 Months of Fiscal Year, Nabil Bank Leads the Sector
काठमाडौं — चालु आर्थिक वर्ष २०८२/८३ को ११ महिनामा वाणिज्य बैंकहरूको नाफामा उल्लेख्य सुधार देखिएको छ। साउनदेखि जेठसम्म २० वटा वाणिज्य बैंकले कुल ६४ अर्ब ५६ करोड रुपैयाँभन्दा बढी नाफा आर्जन गरेका छन्।
गत आर्थिक वर्षको यही अवधिमा बैंकहरूको कुल नाफा ५३ अर्ब ९७ करोड रुपैयाँ रहेको थियो। एक वर्षको अवधिमा बैंकहरूको नाफा करिब १९ प्रतिशतले बढेको हो। समीक्षा अवधिमा १५ वटा बैंकको नाफा बढ्दा ५ वटा बैंकको नाफा भने घटेको छ।
नाफाको आकारका आधारमा नबिल बैंक सबैभन्दा अगाडि देखिएको छ। बैंकले ११ महिनामा ८ अर्ब ४९ करोड रुपैयाँ नाफा कमाएको छ, जुन अघिल्लो वर्षको तुलनामा ३२ प्रतिशतभन्दा बढी वृद्धि हो।
धेरै नाफा कमाउने बैंकको सूचीमा ग्लोबल आइएमई बैंक दोस्रो स्थानमा रहेको छ। बैंकले ५ अर्ब ९७ करोड रुपैयाँ नाफा कमाए पनि अघिल्लो वर्षको तुलनामा सामान्य गिरावट देखिएको छ।
कुमारी बैंकले भने नाफा वृद्धिमा सबैभन्दा ठूलो छलाङ मारेको छ। बैंकको नाफा अघिल्लो वर्षको तुलनामा अत्यधिक बढ्दै ४ अर्ब ७० करोड रुपैयाँ पुगेको छ।
यसैगरी नेपाल इन्भेष्टमेन्ट मेगा बैंक, एभरेष्ट बैंक लगायत केही बैंकको नाफामा भने कमी आएको छ। अर्कोतर्फ राष्ट्रिय वाणिज्य बैंक, सानिमा बैंक, प्राइम कमर्सियल बैंक र एनएमबी बैंकले नाफा वृद्धिमा राम्रो प्रदर्शन गरेका छन्।
बैंकहरूको नाफा सुधार हुनुमा कर्जा असुलीमा सुधार, सञ्चालन क्षमता वृद्धि र वित्तीय व्यवस्थापनको प्रभाव देखिएको बैंकिङ क्षेत्रका जानकारहरू बताउँछन्। तर केही बैंकमा घटेको नाफाले खराब कर्जा, ब्याज आम्दानी र सञ्चालन चुनौती अझै कायम रहेको संकेत गर्छ।
समग्रमा पछिल्लो तथ्यांकले नेपालको बैंकिङ क्षेत्रमा सुधारको संकेत देखाए पनि बैंकहरूबीचको प्रतिस्पर्धा र नाफाको अन्तर भने अझ स्पष्ट हुँदै गएको देखाएको छ।
Kathmandu — Nepal’s commercial banking sector has witnessed a significant improvement in profitability during the first 11 months of the current fiscal year. The combined net profit of 20 commercial banks reached Rs 64.56 billion between Shrawan and Jestha, marking a growth of more than 19 percent compared to the same period last year.
During the corresponding period of the previous fiscal year, commercial banks had earned Rs 53.97 billion in net profit. The latest figures show that 15 out of 20 commercial banks recorded profit growth, while five banks experienced a decline in earnings.
Nabil Bank emerged as the most profitable commercial bank during the review period. The bank posted a net profit of Rs 8.49 billion, compared to Rs 6.40 billion in the same period last year. Its profit increased by around 32.5 percent, placing it at the top among commercial banks in terms of earnings.
Global IME Bank ranked second in terms of total profit, earning Rs 5.97 billion during the 11-month period. However, the bank’s profit declined slightly compared to the previous year, when it had earned Rs 6.03 billion.
Kumari Bank recorded the highest growth rate in profitability among commercial banks. Its profit increased sharply to Rs 4.70 billion from just Rs 371 million in the previous year, representing a significant rise compared to the same period.
Nepal Investment Mega Bank and Everest Bank, however, reported a decline in profits. Nepal Investment Mega Bank earned Rs 4.49 billion, while Everest Bank posted a profit of Rs 4.12 billion, both lower than their earnings during the same period last year.
Several banks including Prime Commercial Bank, Rastriya Banijya Bank, NMB Bank, and Sanima Bank showed strong improvement in profitability. Rastriya Banijya Bank’s profit increased significantly, reaching Rs 3.72 billion, while Sanima Bank recorded a profit growth of more than 44 percent.
The improvement in bank profitability reflects better financial management, recovery in lending activities, and improved operational efficiency in the banking sector. However, the mixed performance among banks indicates that challenges such as credit quality, interest income pressure, and competition remain significant factors.
Despite the overall rise in profits, the banking sector continues to face the challenge of maintaining sustainable growth amid changing interest rates, liquidity conditions, and economic uncertainty.
The latest earnings figures suggest that Nepal’s banking industry is gradually recovering, but the gap between high-performing and struggling banks is becoming increasingly visible. Going forward, banks’ ability to manage risk, expand quality lending, and maintain financial stability will determine their long-term performance.
