NIC Asia Bank Ltd. (NICA) Share Price & Fundamentals

NIC Asia Bank (NICA) share price is Rs. 318.00, down 0.75% on 2026-10-13. Open Rs. 323.00. High Rs. 324.30. Low Rs. 316.00. Volume 55,755.

NIC Asia Bank Ltd. is a NEPSE-listed company (NICA), Commercial Banks sector. Revenue: Rs. 1,274.75 Crore. Net loss: Rs. 420.41 Crore. Net worth: Rs. 2,699.16 Crore.

About NIC Asia Bank Ltd.

NIC Asia Bank Ltd. (NICA) has 14,91,75,669 shares outstanding.

NICA key metrics

NICA strengths

What NIC Asia Bank Ltd.'s own accounts show in its favour, graded against the rest of its sector.

• Lends out 68.5% of deposits, comfortably within the 90% Nepal Rastra Bank allows. (Liquidity & Funding)
• 81.6% of income comes from lending, which is steady and predictable. (Margins & Income Quality)
• 91.4% of its funding comes from customer deposits, which are cheap and stable. (Liquidity & Funding)
• 14.8% of income comes from fees and commissions, so it does not depend on lending alone. (Margins & Income Quality)
• Loans are 58.3% of what the bank owns, a balanced mix alongside other assets. (Asset Quality)

NICA weaknesses

What the same accounts show against it. Both lists are computed from the filed figures, not opinion, and are not advice.

• Return on shareholders' money is -15.1%, below what owners would hope for. (Profitability)
• Return on everything it owns is -1%, so its assets are not producing much. (Profitability)
• 30.3% of income is lost to loans going bad, which eats directly into profit. (Asset Quality)
• Each share produced Rs 1.22 over the year. (Shareholder Returns)
• Income from lending moved -22.6%, so the core business is not growing. (Growth)
• Net profit margin is 1.9%, less than most lenders keep once every cost is paid. (Profitability)
• Makes only 2.7% from the gap between lending and deposit rates, so core earnings are squeezed. (Margins & Income Quality)
• Operating margin is 10.2%, so running costs take too much of what core banking earns. (Profitability)
• Owns 14.59x for every rupee shareholders put in. A high multiple magnifies losses as well as gains. (Capital Strength)
• The loan book moved -19.5%, so lending is not expanding. (Growth)
• Deposits moved -9.9%, so its cheapest source of funding is not growing. (Growth)
• Only 6.9% of what it owns belongs to shareholders, so there is less cushion for losses. (Capital Strength)
• Total income moved -17.3% on last year. (Growth)
• Staff costs take 36.6% of income, a heavy load on earnings. (Efficiency)
• The bank's size moved -8.7% over the year. (Shareholder Returns)
• Only 3.7% of income comes from outside interest, so a change in rates hits hard. (Margins & Income Quality)
• Each share is backed by only Rs 172.22 of net worth. (Shareholder Returns)

NICA Q3 2082/83 results

In Q3 2082/83 NIC Asia Bank Ltd. reported profit of Rs. 12.7 crore and total operating income of Rs. 278.35 crore. Profit in Q2 2082/83 was Rs. 4.34 crore. Profit grew 192.49% on the previous quarter. Total operating income fell 1.55% on the previous quarter. Profit in Q3 2081/82, the same quarter a year earlier, was Rs. 3.71 crore. Profit grew 242.79% on the same quarter last year. Total operating income fell 18.41% on the same quarter last year.

NICA annual results 2081/82

For the financial year 2081/82 NIC Asia Bank Ltd. reported a net loss of Rs. 420.41 crore, total operating income of Rs. 1,274.75 crore and net worth of Rs. 2,699.16 crore. Net profit in 2080/81 was Rs. 59.73 crore. Net profit turned from a profit to a loss on the year. Total operating income fell 11.16% on the year.

NICA profit and loss for 2081/82

In the financial year 2081/82, NIC Asia Bank Ltd. reported net interest income of Rs. 1,089.82 crore, net fee and commission income of Rs. 135.87 crore, net trading income of Rs. 16.27 crore, other operating income of Rs. 32.79 crore, total operating income of Rs. 1,274.75 crore, impairment charge/(reversal) of Rs. 1,012.06 crore, net operating income of Rs. 262.68 crore, operating expenses of Rs. 741.48 crore, operating profit of Rs. 478.8 crore, non-operating income/(expense) of Rs. 105.69 crore, profit before income tax of Rs. 584.49 crore, income tax expense of Rs. 164.07 crore and profit for the year of Rs. 420.41 crore.

Reported under net interest income: interest income of Rs. 3,048.2 crore and interest expense of Rs. 1,958.38 crore. Reported under net fee and commission income: fee and commission income of Rs. 173.5 crore and fee and commission expense of Rs. 37.63 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 452.92 crore, other operating expenses of Rs. 205.6 crore and depreciation & amortisation of Rs. 82.96 crore. Reported under non-operating income/(expense): non-operating income of Rs. 2.94 crore and non-operating expense of Rs. 108.62 crore. Reported under income tax expense: current tax of Rs. 92.36 crore and deferred tax of Rs. 256.44 crore.

NICA profit and loss for 2080/81

In the financial year 2080/81, NIC Asia Bank Ltd. reported net interest income of Rs. 1,159.81 crore, net fee and commission income of Rs. 201.87 crore, net trading income of Rs. 12.87 crore, other operating income of Rs. 60.36 crore, total operating income of Rs. 1,434.91 crore, impairment charge/(reversal) of Rs. 426.58 crore, net operating income of Rs. 1,008.33 crore, operating expenses of Rs. 816.16 crore, operating profit of Rs. 192.16 crore, non-operating income/(expense) of Rs. 110.66 crore, profit before income tax of Rs. 81.5 crore, income tax expense of Rs. 21.77 crore and profit for the year of Rs. 59.73 crore.

Reported under net interest income: interest income of Rs. 4,031.3 crore and interest expense of Rs. 2,871.49 crore. Reported under net fee and commission income: fee and commission income of Rs. 240.98 crore and fee and commission expense of Rs. 39.11 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 499.68 crore, other operating expenses of Rs. 226.79 crore and depreciation & amortisation of Rs. 89.69 crore. Reported under non-operating income/(expense): non-operating income of Rs. 1.2 crore and non-operating expense of Rs. 111.87 crore. Reported under income tax expense: current tax of Rs. 30.29 crore and deferred tax of Rs. 8.52 crore.

NICA profit and loss for 2079/80

In the financial year 2079/80, NIC Asia Bank Ltd. reported net interest income of Rs. 1,340.11 crore, net fee and commission income of Rs. 252.76 crore, net trading income of Rs. 15 crore, other operating income of Rs. 32.89 crore, total operating income of Rs. 1,640.76 crore, impairment charge/(reversal) of Rs. 53.25 crore, net operating income of Rs. 1,587.51 crore, operating expenses of Rs. 868.54 crore, operating profit of Rs. 718.97 crore, non-operating income/(expense) of Rs. 44.08 crore, profit before income tax of Rs. 674.89 crore, income tax expense of Rs. 189.99 crore and profit for the year of Rs. 484.9 crore.

Reported under net interest income: interest income of Rs. 4,106.05 crore and interest expense of Rs. 2,765.94 crore. Reported under net fee and commission income: fee and commission income of Rs. 299.21 crore and fee and commission expense of Rs. 46.45 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 556.95 crore, other operating expenses of Rs. 228.55 crore and depreciation & amortisation of Rs. 83.04 crore. Reported under non-operating income/(expense): non-operating income of Rs. 1.04 crore and non-operating expense of Rs. 45.12 crore. Reported under income tax expense: current tax of Rs. 193.89 crore and deferred tax of Rs. 3.9 crore.

NICA balance sheet for 2081/82

In the financial year 2081/82, NIC Asia Bank Ltd. reported total assets of Rs. 39,324.4 crore, total liabilities of Rs. 36,625.25 crore and total equity of Rs. 2,699.16 crore.

Reported under total assets: cash and cash equivalents of Rs. 2,053.38 crore, due from nepal rastra bank of Rs. 5,922.45 crore, placement with banks and fis of Rs. 0 crore, derivative financial instruments of Rs. 498.51 crore, other trading assets of Rs. 0 crore, loans and advances to banks and fis of Rs. 655.42 crore, loans and advances to customers of Rs. 23,599.05 crore, investment securities of Rs. 4,890.68 crore, current tax assets of Rs. 22.65 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investment property of Rs. 464.36 crore, property and equipment of Rs. 473.48 crore, goodwill and intangible assets of Rs. 16.03 crore, deferred tax assets of Rs. 246.45 crore and other assets of Rs. 481.94 crore. Reported under total liabilities: due to banks and fis of Rs. 490.86 crore, due to nepal rastra bank of Rs. 0 crore, derivative financial instruments of Rs. 497.52 crore, deposits from customers of Rs. 32,084.59 crore, borrowings of Rs. 1,713.28 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 3.97 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 561.71 crore, debt securities issued of Rs. 1,273.32 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 1,491.76 crore, share premium of Rs. 0 crore, retained earnings of Rs. 1,082 crore, reserves of Rs. 2,196.93 crore and non controlling interest of Rs. 92.47 crore.

NICA balance sheet for 2080/81

In the financial year 2080/81, NIC Asia Bank Ltd. reported total assets of Rs. 42,604.93 crore, total liabilities of Rs. 39,479.9 crore and total equity of Rs. 3,125.03 crore.

Reported under total assets: cash and cash equivalents of Rs. 3,603.85 crore, due from nepal rastra bank of Rs. 1,674.92 crore, placement with banks and fis of Rs. 0 crore, derivative financial instruments of Rs. 375.3 crore, other trading assets of Rs. 0.28 crore, loans and advances to banks and fis of Rs. 504.99 crore, loans and advances to customers of Rs. 28,666.98 crore, investment securities of Rs. 6,058.22 crore, current tax assets of Rs. 66.55 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investment property of Rs. 436.54 crore, property and equipment of Rs. 551.84 crore, goodwill and intangible assets of Rs. 18.87 crore, deferred tax assets of Rs. 0 crore and other assets of Rs. 646.6 crore. Reported under total liabilities: due to banks and fis of Rs. 538.83 crore, due to nepal rastra bank of Rs. 0 crore, derivative financial instruments of Rs. 374.67 crore, deposits from customers of Rs. 35,507.08 crore, borrowings of Rs. 1,513.26 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 3.32 crore, deferred tax liabilities of Rs. 9.23 crore, other liabilities of Rs. 459.77 crore, debt securities issued of Rs. 1,073.73 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 1,491.76 crore, share premium of Rs. 0 crore, retained earnings of Rs. 252.73 crore, reserves of Rs. 1,776.58 crore and non controlling interest of Rs. 109.43 crore.

NICA balance sheet for 2079/80

In the financial year 2079/80, NIC Asia Bank Ltd. reported total assets of Rs. 38,216.55 crore, total liabilities of Rs. 35,043.72 crore and total equity of Rs. 3,172.83 crore.

Reported under total assets: cash and cash equivalents of Rs. 2,435.51 crore, due from nepal rastra bank of Rs. 2,044.33 crore, placement with banks and fis of Rs. 0 crore, derivative financial instruments of Rs. 296.55 crore, other trading assets of Rs. 0.54 crore, loans and advances to banks and fis of Rs. 606.55 crore, loans and advances to customers of Rs. 27,981.18 crore, investment securities of Rs. 3,478.79 crore, current tax assets of Rs. 27.52 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investment property of Rs. 271.84 crore, property and equipment of Rs. 537.5 crore, goodwill and intangible assets of Rs. 14.46 crore, deferred tax assets of Rs. 0 crore and other assets of Rs. 521.76 crore. Reported under total liabilities: due to banks and fis of Rs. 1,713.26 crore, due to nepal rastra bank of Rs. 0 crore, derivative financial instruments of Rs. 296.22 crore, deposits from customers of Rs. 31,317.76 crore, borrowings of Rs. 0 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 23.86 crore, other liabilities of Rs. 619.47 crore, debt securities issued of Rs. 1,073.16 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 1,156.4 crore, share premium of Rs. 0 crore, retained earnings of Rs. 406.52 crore, reserves of Rs. 1,474.4 crore and non controlling interest of Rs. 135.51 crore.

NICA cash flow for 2081/82

In the financial year 2081/82, NIC Asia Bank Ltd. reported net cash flow from operating activities (a) of Rs. 3,191.4 crore, net cash flow from investing activities (b) of Rs. 1,543.2 crore, net cash flow from financing activities (c) of Rs. 97.73 crore, net increase/(decrease) in cash and cash equivalents of Rs. 1,550.47 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 3,603.85 crore, effect of exchange rate fluctuations on cash and cash equivalents held of Rs. 0 crore and cash and cash equivalents at ashadh end of Rs. 2,053.38 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 1,946.05 crore, fees and other income received of Rs. 167.76 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 31.11 crore, interest paid of Rs. 1,519.57 crore, commission and fees paid of Rs. 37.63 crore, cash payment to employees of Rs. 436.93 crore, other expense paid of Rs. 227.99 crore, operating cash flows before changes in operating assets and liabilities of Rs. 77.2 crore, (increase)/decrease in operating assets of Rs. 190.27 crore, due from nepal rastra bank of Rs. 4,247.53 crore, placement with banks and financial institutions of Rs. 0 crore, other trading assets of Rs. 0.28 crore, loan and advances to banks and financial institutions of Rs. 150.44 crore, loan and advances to customers of Rs. 4,522.17 crore, other assets of Rs. 65.79 crore, increase/(decrease) in operating liabilities of Rs. 3,272.26 crore, due to banks and financial institutions of Rs. 47.98 crore, due to nepal rastra bank of Rs. 0 crore, deposit from customers of Rs. 3,712.5 crore, borrowings of Rs. 200.02 crore, other liabilities of Rs. 288.2 crore, net cash flow from operating activities before tax paid of Rs. 3,159.19 crore and income taxes paid of Rs. 32.21 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 0 crore, receipts from sale of investment securities of Rs. 1,191.72 crore, purchase of property and equipment of Rs. 1.6 crore, receipt from sale of property and equipment of Rs. 0.53 crore, purchase of intangible assets of Rs. 1.85 crore, receipt from sale of intangible assets of Rs. 0 crore, purchase of investment properties of Rs. 0 crore, receipt from sale of investment properties of Rs. 0 crore, interest received of Rs. 343.82 crore and dividend received of Rs. 10.58 crore. Reported under net cash flow from financing activities (c): receipt from issue of debt securities of Rs. 499.09 crore, repayment of debt securities of Rs. 300 crore, receipt from issue of subordinated liabilities of Rs. 0 crore, repayment of subordinated liabilities of Rs. 0 crore, receipt from issue of shares of Rs. 0 crore, dividends paid of Rs. 0.53 crore, interest paid of Rs. 100.83 crore and other receipt/payment of Rs. 0 crore.

NICA cash flow for 2080/81

In the financial year 2080/81, NIC Asia Bank Ltd. reported net cash flow from operating activities (a) of Rs. 3,436.5 crore, net cash flow from investing activities (b) of Rs. 2,134.7 crore, net cash flow from financing activities (c) of Rs. 133.73 crore, net increase/(decrease) in cash and cash equivalents of Rs. 1,168.08 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 2,435.77 crore, effect of exchange rate fluctuations on cash and cash equivalents held of Rs. 0 crore and cash and cash equivalents at ashadh end of Rs. 3,603.85 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 3,135.42 crore, fees and other income received of Rs. 234.1 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 36.65 crore, interest paid of Rs. 2,534.27 crore, commission and fees paid of Rs. 35.8 crore, cash payment to employees of Rs. 441.89 crore, other expense paid of Rs. 361.5 crore, operating cash flows before changes in operating assets and liabilities of Rs. 32.71 crore, (increase)/decrease in operating assets of Rs. 673.03 crore, due from nepal rastra bank of Rs. 369.42 crore, placement with banks and financial institutions of Rs. 0 crore, other trading assets of Rs. 0.26 crore, loan and advances to banks and financial institutions of Rs. 101.57 crore, loan and advances to customers of Rs. 1,066.4 crore, other assets of Rs. 77.87 crore, increase/(decrease) in operating liabilities of Rs. 4,140.5 crore, due to banks and financial institutions of Rs. 196.24 crore, due to nepal rastra bank of Rs. 0 crore, deposit from customers of Rs. 3,999.23 crore, borrowings of Rs. 139.77 crore, other liabilities of Rs. 194.75 crore, net cash flow from operating activities before tax paid of Rs. 3,500.18 crore and income taxes paid of Rs. 63.67 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 2,608.01 crore, receipts from sale of investment securities of Rs. 33.83 crore, purchase of property and equipment of Rs. 80.07 crore, receipt from sale of property and equipment of Rs. 0.27 crore, purchase of intangible assets of Rs. 8.75 crore, receipt from sale of intangible assets of Rs. 0 crore, purchase of investment properties of Rs. 0 crore, receipt from sale of investment properties of Rs. 121.8 crore, interest received of Rs. 386.67 crore and dividend received of Rs. 19.56 crore. Reported under net cash flow from financing activities (c): receipt from issue of debt securities of Rs. 0 crore, repayment of debt securities of Rs. 0 crore, receipt from issue of subordinated liabilities of Rs. 0 crore, repayment of subordinated liabilities of Rs. 0 crore, receipt from issue of shares of Rs. 0 crore, dividends paid of Rs. 28.67 crore, interest paid of Rs. 105.05 crore and other receipt/payment of Rs. 0 crore.

NICA cash flow for 2079/80

In the financial year 2079/80, NIC Asia Bank Ltd. reported net cash flow from operating activities (a) of Rs. 899.14 crore, net cash flow from investing activities (b) of Rs. 547.13 crore, net cash flow from financing activities (c) of Rs. 104.48 crore, net increase/(decrease) in cash and cash equivalents of Rs. 456.48 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 2,891.99 crore, effect of exchange rate fluctuations on cash and cash equivalents held of Rs. 0 crore and cash and cash equivalents at ashadh end of Rs. 2,435.51 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 3,586.47 crore, fees and other income received of Rs. 299.21 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 12.31 crore, interest paid of Rs. 2,661.46 crore, commission and fees paid of Rs. 46.45 crore, cash payment to employees of Rs. 556.95 crore, other expense paid of Rs. 219.46 crore, operating cash flows before changes in operating assets and liabilities of Rs. 413.67 crore, (increase)/decrease in operating assets of Rs. 851.09 crore, due from nepal rastra bank of Rs. 778.89 crore, placement with banks and financial institutions of Rs. 0 crore, other trading assets of Rs. 15.84 crore, loan and advances to banks and financial institutions of Rs. 478.39 crore, loan and advances to customers of Rs. 1,052.33 crore, other assets of Rs. 485.9 crore, increase/(decrease) in operating liabilities of Rs. 254.15 crore, due to banks and financial institutions of Rs. 212.77 crore, due to nepal rastra bank of Rs. 1,972.78 crore, deposit from customers of Rs. 1,992.09 crore, borrowings of Rs. 0 crore, other liabilities of Rs. 60.71 crore, net cash flow from operating activities before tax paid of Rs. 691.57 crore and income taxes paid of Rs. 207.56 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 1,636.18 crore, receipts from sale of investment securities of Rs. 2,130.29 crore, purchase of property and equipment of Rs. 125.81 crore, receipt from sale of property and equipment of Rs. 5.63 crore, purchase of intangible assets of Rs. 4.63 crore, receipt from sale of intangible assets of Rs. 0 crore, purchase of investment properties of Rs. 0 crore, receipt from sale of investment properties of Rs. 199.59 crore, interest received of Rs. 340.81 crore and dividend received of Rs. 36.62 crore. Reported under net cash flow from financing activities (c): receipt from issue of debt securities of Rs. 0 crore, repayment of debt securities of Rs. 0 crore, receipt from issue of subordinated liabilities of Rs. 0 crore, repayment of subordinated liabilities of Rs. 0 crore, receipt from issue of shares of Rs. 0 crore, dividends paid of Rs. 0 crore, interest paid of Rs. 104.48 crore and other receipt/payment of Rs. 0 crore.

NICA quarterly for Q3 2082/83

In the quarter Q3 2082/83, NIC Asia Bank Ltd. reported net interest income of Rs. 225.05 crore, net fee and commission income of Rs. 44.85 crore, net trading income of Rs. 7.56 crore, other operating income of Rs. 0.89 crore, total operating income of Rs. 278.35 crore, impairment charge/(reversal) of Rs. 47.83 crore, net operating income of Rs. 230.52 crore, operating expenses of Rs. 166.44 crore, operating profit of Rs. 64.08 crore, non-operating income/(expense) of Rs. 45.93 crore, profit before income tax of Rs. 18.15 crore, income tax expense of Rs. 5.44 crore and profit for the year of Rs. 12.7 crore.

Reported under net interest income: interest income of Rs. 599.99 crore and interest expense of Rs. 374.95 crore. Reported under net fee and commission income: fee and commission income of Rs. 50.63 crore and fee and commission expense of Rs. 5.78 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 103.94 crore, other operating expenses of Rs. 42.84 crore and depreciation & amortisation of Rs. 19.66 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.46 crore and non-operating expense of Rs. 46.39 crore. Reported under income tax expense: current tax of Rs. 5.44 crore and deferred tax of Rs. 0 crore.

NICA quarterly for Q2 2082/83

In the quarter Q2 2082/83, NIC Asia Bank Ltd. reported net interest income of Rs. 225.82 crore, net fee and commission income of Rs. 42.24 crore, net trading income of Rs. 6.57 crore, other operating income of Rs. 8.11 crore, total operating income of Rs. 282.74 crore, impairment charge/(reversal) of Rs. 124.61 crore, net operating income of Rs. 158.13 crore, operating expenses of Rs. 153.31 crore, operating profit of Rs. 4.82 crore, non-operating income/(expense) of Rs. 0.99 crore, profit before income tax of Rs. 5.81 crore, income tax expense of Rs. 1.46 crore and profit for the year of Rs. 4.34 crore.

Reported under net interest income: interest income of Rs. 613.6 crore and interest expense of Rs. 387.78 crore. Reported under net fee and commission income: fee and commission income of Rs. 46.4 crore and fee and commission expense of Rs. 4.16 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 94.24 crore, other operating expenses of Rs. 39.08 crore and depreciation & amortisation of Rs. 20 crore. Reported under non-operating income/(expense): non-operating income of Rs. 1.07 crore and non-operating expense of Rs. 0.08 crore. Reported under income tax expense: current tax of Rs. 1.46 crore and deferred tax of Rs. 0 crore.

NICA quarterly for Q1 2082/83

In the quarter Q1 2082/83, NIC Asia Bank Ltd. reported net interest income of Rs. 266.59 crore, net fee and commission income of Rs. 38.74 crore, net trading income of Rs. 4.83 crore, other operating income of Rs. 14.15 crore, total operating income of Rs. 324.31 crore, impairment charge/(reversal) of Rs. 131.99 crore, net operating income of Rs. 192.32 crore, operating expenses of Rs. 166.52 crore, operating profit of Rs. 25.8 crore, non-operating income/(expense) of Rs. 2.01 crore, profit before income tax of Rs. 23.78 crore, income tax expense of Rs. 8.06 crore and profit for the year of Rs. 15.72 crore.

Reported under net interest income: interest income of Rs. 698.27 crore and interest expense of Rs. 431.68 crore. Reported under net fee and commission income: fee and commission income of Rs. 46.05 crore and fee and commission expense of Rs. 7.32 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 99.01 crore, other operating expenses of Rs. 47.36 crore and depreciation & amortisation of Rs. 20.15 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.18 crore and non-operating expense of Rs. 2.19 crore. Reported under income tax expense: current tax of Rs. 26.49 crore and deferred tax of Rs. 18.43 crore.

NICA quarterly for Q4 2081/82

In the quarter Q4 2081/82, NIC Asia Bank Ltd. reported net interest income of Rs. 256.49 crore, net fee and commission income of Rs. 10.65 crore, net trading income of Rs. 4.49 crore, other operating income of Rs. 17.1 crore, total operating income of Rs. 288.74 crore, impairment charge/(reversal) of Rs. 156.28 crore, net operating income of Rs. 132.46 crore, operating expenses of Rs. 181.5 crore, operating profit of Rs. 49.05 crore, non-operating income/(expense) of Rs. 6.35 crore, profit before income tax of Rs. 42.69 crore, income tax expense of Rs. 0.16 crore and profit for the year of Rs. 42.53 crore.

Reported under net interest income: interest income of Rs. 688.15 crore and interest expense of Rs. 431.66 crore. Reported under net fee and commission income: fee and commission income of Rs. 23.55 crore and fee and commission expense of Rs. 12.89 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 101.71 crore, other operating expenses of Rs. 61.1 crore and depreciation & amortisation of Rs. 18.69 crore. Reported under non-operating income/(expense): non-operating income of Rs. 1.32 crore and non-operating expense of Rs. 5.03 crore. Reported under income tax expense: current tax of Rs. 87.44 crore and deferred tax of Rs. 87.61 crore.

NICA Profit & Loss

Values in Rs. Crore unless stated otherwise.

NICA Balance Sheet

Values in Rs. Crore unless stated otherwise.

NICA Cash Flow

Values in Rs. Crore unless stated otherwise.

NICA Quarterly Results

Values in Rs. Crore unless stated otherwise.

NIC Asia Bank share price history

Over the last 15 trading sessions NICA closed between Rs. 308.00 and Rs. 326.30, finishing at Rs. 318.00 on 2026-10-13 against Rs. 326.30 on 2026-09-22.

NICA share price by year

2026, between Rs. 302.90 and Rs. 411.00, 2025, between Rs. 304.50 and Rs. 428.40, 2024, between Rs. 341.60 and Rs. 573.00, 2023, between Rs. 490.10 and Rs. 668.14, 2022, between Rs. 465.35 and Rs. 725.04 and 2021, between Rs. 543.41 and Rs. 841.09.

NIC Asia Bank share price returns

At Rs. 318.00 on 2026-10-13, NICA is up 2.25% over 1 week, up 3.11% over 1 month, down 3.61% over 3 months, down 14.42% over 6 months, down 1.24% over 1 year and down 51.16% over 5 years. Each return compares that close with the last close on or before the same date in the earlier period.

NICA floorsheet for 2026-10-13

NICA traded 221 times on 2026-10-13, moving 55,755 shares for Rs. 1.79 crore of turnover. Trades went through between Rs. 316.00 and Rs. 325.00.

Largest buyers by volume: broker 58, Naasa Securities Co. Ltd. on 11,993 shares across 21 trades, broker 17, ABC Securities Pvt. Limited on 6,400 shares across 15 trades, broker 61, Bhole Ganesh Securities Limited on 6,000 shares across 22 trades, broker 16, Primo Securities Pvt. Limited on 5,270 shares across 10 trades, broker 38, Dipshika Dhitopatra Karobar Co. Pvt.Limited on 4,000 shares across 12 trades, broker 60, Nagarik Stock Dealer Company Ltd. on 3,000 shares across 6 trades, broker 35, Kohinoor Investment and Securities Pvt.Ltd on 2,403 shares across 8 trades, broker 42, Sani Securities Company Limited on 2,284 shares across 14 trades, broker 74, Kalash Stock Market Pvt. Ltd. on 1,725 shares across 6 trades and broker 59, Deevyaa Securities & Stock House Pvt. Ltd on 1,551 shares across 8 trades.

Largest sellers by volume: broker 94, K.B.L. Securities Limited on 12,100 shares across 6 trades, broker 58, Naasa Securities Co. Ltd. on 5,163 shares across 27 trades, broker 32, Premier Securites Company Limited on 3,902 shares across 15 trades, broker 18, Sagarmatha Securities Pvt. Limited on 3,870 shares across 13 trades, broker 48, Trishakti Securities Public Limited on 3,641 shares across 6 trades, broker 62, Capital Max Securities Limited on 3,292 shares across 21 trades, broker 6, Agrawal Securities Pvt. Limited on 2,587 shares across 12 trades, broker 37, Swarnalaxmi Securities Pvt.Limited on 2,350 shares across 4 trades, broker 14, Nepal Stock House Pvt. Limited on 2,200 shares across 7 trades and broker 42, Sani Securities Company Limited on 1,622 shares across 11 trades.

NICA dividend history: bonus shares and cash dividend

NIC Asia Bank Ltd. most recently declared a 29% bonus share issue for 2079/2080, announced on 2023-09-24. Percentages are of paid up value. Declared, not necessarily paid: a dividend is subject to the annual general meeting approving it.

For 2079/2080 NIC Asia Bank Ltd. declared a 29% bonus share issue, announced on 2023-09-24.

NICA general meetings

Annual and special general meetings NIC Asia Bank Ltd. has called. A dividend is declared by the board and approved at the AGM.

• 28th AGM for 2081/2082: on 2026-06-01, at Army Officers Club, Bhadrakali, Kathmandu (Attendance Book will be kept open from 08:00 AM onwards) (9:00 AM)
• 27th AGM for 2080/2081: on 2025-03-06, at Army Officers Club, Bhadrakali, Kathmandu (9:00 AM)
• 26th AGM for 2079/2080: on 2023-10-15, at Army Officers Club, Bhadrakali, Kathmandu (9:00 AM)

6 years of annual statements and 11 quarters of results for NICA, with charts and peer comparison, are free on NepView.

New to these statements? How to read a profit and loss statement, How to read a balance sheet, How to read a cash flow statement, How to read quarterly results.

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