Sanima Bank Limited (SANIMA) reported a net profit of Rs. 2.57Arba in Q4 FY 2081/82, marking a 7.25% increase from Rs. 2.39 Arba in the previous fiscal year. The bank’s net interest income (core revenue) stood at Rs. 6.35 Arba, up 2.82% from Rs. 6.18 Arba last year.

Customer deposits rose 13.57% to Rs. 2.23 Kharba, while loans and advances to customers increased 10.68% to Rs. 1.76 Kharba. Retained earnings jumped 92.13% to Rs. 2.78 Arba, and reserves grew 11.41% to Rs. 6.56 Arba. Borrowings surged 92.83% to Rs. 2.06 Arba.

Operating profit grew 2.97% to Rs. 3.57 Arba, though impairment charges rose sharply by 31.80% to Rs. 1.88 Arba. The bank’s cost of funds fell significantly by 23.33% to 4.70%, boosting profitability.

Earnings per share improved to Rs. 18.93 from Rs. 17.65, while net worth per share climbed 9.59% to Rs. 168.83. The non-performing loan (NPL) ratio increased to 3.01% from 1.72%, indicating rising asset quality pressures.

Sanima’s shares closed the quarter at Rs. 374.77, with a price-to-earnings (P/E) ratio of 19.80 times.