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

NIC Asia Bank (NICA) share price is Rs. 326.30, down 0.64% on 2026-09-22. Open Rs. 328.00. High Rs. 334.00. Low Rs. 323.10. Volume 61,214.

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

Market Cap	Rs. 4,758.70 Crore
P/E Ratio (TTM)	128.94
Loss Per Share	Rs. 28.18
EPS (TTM)	Rs. 2.47
Book Value	Rs. 180.94
Dividend Yield	0.00%
Face Value	Rs. 100.00
52 Week High	Rs. 411.00
52 Week Low	Rs. 302.90

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.

Particulars	2081/82	2080/81	2079/80	2078/79	2077/78	2076/77
Net Interest Income	1,090	1,160	1,340	1,263	1,031	813
Interest Income	3,048	4,031	4,106	3,586	2,508	2,152
Interest Expense	-1,958	-2,871	-2,766	-2,323	-1,477	-1,340
Net Fee and Commission Income	136	202	253	241	199	259
Fee and Commission Income	173	241	299	282	225	280
Fee and Commission Expense	-37.6	-39.1	-46.4	-41.6	-25.6	-20.6
Net Trading Income	16.3	12.9	15.0	20.1	32.7	34.0
Other Operating Income	32.8	60.4	32.9	31.1	23.3	26.2
Total Operating Income	1,275	1,435	1,641	1,554	1,287	1,132
Impairment Charge/(Reversal)	-1,012	-427	-53.2	-120	-139	-121
Net Operating Income	263	1,008	1,588	1,435	1,148	1,011
Operating Expenses	-741	-816	-869	-768	-585	-537
Operating Expense - Personnel Expenses	-453	-500	-557	-507	-371	-307
Other Operating Expenses	-206	-227	-229	-182	-175	-204
Depreciation & Amortisation	-83.0	-89.7	-83.0	-79.4	-39.5	-26.7
Operating Profit	-479	192	719	667	563	474
Non-Operating Income/(Expense)	-106	-111	-44.1	3.0	-15.2	-2.4
Non-Operating Income	2.9	1.2	1.0	6.2	0.62	3.3
Non-Operating Expense	-109	-112	-45.1	-3.2	-15.8	-5.7
Profit Before Income Tax	-584	81.5	675	670	548	471
Income Tax Expense	164	-21.8	-190	-198	-164	-139
Current Tax	-92.4	-30.3	-194	-201	-163	-136
Deferred Tax	256	8.5	3.9	2.9	-1.4	-3.1
Profit for the Year	-420	59.7	485	471	384	332

NICA Balance Sheet

Values in Rs. Crore unless stated otherwise.

Particulars	2081/82	2080/81	2079/80	2078/79	2077/78	2076/77
Total Assets	39,324	42,605	38,217	37,695	36,198	25,553
Cash and Cash Equivalents	2,053	3,604	2,436	2,892	2,827	1,266
Due from Nepal Rastra Bank	5,922	1,675	2,044	1,265	907	1,872
Placement with Banks and FIs	0.00	0.00	0.00	0.00	0.00	0.00
Derivative Financial Instruments	499	375	297	0.00	536	564
Other Trading Assets	0.00	0.28	0.54	16.4	1.3	17.8
Loans and Advances to Banks and FIs	655	505	607	1,085	1,005	1,107
Loans and Advances to Customers	23,599	28,667	27,981	27,337	26,507	16,710
Investment Securities	4,891	6,058	3,479	3,955	3,374	2,959
Current Tax Assets	22.7	66.5	27.5	13.8	29.6	363
Investment in Subsidiaries	0.00	0.00	0.00	0.00	0.00	0.00
Investment in Associates	0.00	0.00	0.00	0.00	0.00	0.00
Investment Property	464	437	272	72.3	128	49.6
Property and Equipment	473	552	537	524	317	327
Goodwill and Intangible Assets	16.0	18.9	14.5	13.8	9.9	11.6
Deferred Tax Assets	246	0.00	0.00	0.00	0.00	0.00
Other Assets	482	647	522	520	556	306
Total Liabilities	36,625	39,480	35,044	35,028	33,942	23,748
Due to Banks and FIs	491	539	1,713	1,926	2,434	1,348
Due to Nepal Rastra Bank	0.00	0.00	0.00	1,973	324	0.00
Derivative Financial Instruments	498	375	296	0.00	534	560
Deposits from Customers	32,085	35,507	31,318	29,326	28,950	20,140
Borrowings	1,713	1,513	0.00	0.00	0.00	0.00
Current Tax Liabilities	0.00	0.00	0.00	0.00	0.00	0.00
Provisions	4.0	3.3	0.00	0.00	0.00	0.00
Deferred Tax Liabilities	0.00	9.2	23.9	26.7	45.0	29.5
Other Liabilities	562	460	619	704	559	706
Debt Securities Issued	1,273	1,074	1,073	1,073	1,097	966
Subordinated Liabilities	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity	2,699	3,125	3,173	2,667	2,256	1,804
Share Capital	1,492	1,492	1,156	1,156	1,156	972
Share Premium	0.00	0.00	0.00	0.00	0.00	0.00
Retained Earnings	-1,082	-253	407	389	194	214
Reserves	2,197	1,777	1,474	1,008	797	562
Non Controlling Interest	92.5	109	136	113	109	56.6

NICA Cash Flow

Values in Rs. Crore unless stated otherwise.

Particulars	2081/82	2080/81	2079/80	2078/79	2077/78	2076/77
Net Cash Flow from Operating Activities (A)	-3,191	3,437	-899	512	1,813	300
Interest Received	1,946	3,135	3,586	3,224	2,371	1,982
Fees and Other Income Received	168	234	299	287	225	281
Dividend Received	0.00	0.00	0.00	0.00	0.00	0.00
Receipts from Other Operating Activities	31.1	36.7	12.3	31.6	47.6	57.7
Interest Paid	-1,520	-2,534	-2,661	-2,196	-1,382	-1,247
Commission and Fees Paid	-37.6	-35.8	-46.4	-38.3	-25.6	-20.6
Cash Payment to Employees	-437	-442	-557	-509	-371	-290
Other Expense Paid	-228	-362	-219	-250	-159	-209
Operating Cash Flows Before Changes in Operating Assets and Liabilities	-77.2	32.7	414	549	707	554
(Increase)/Decrease in Operating Assets	190	-673	-851	-1,503	-9,133	-2,944
Due from Nepal Rastra Bank	-4,248	369	-779	-358	965	-262
Placement with Banks and Financial Institutions	0.00	0.00	0.00	0.00	0.00	38.4
Other Trading Assets	0.28	0.26	15.8	-15.1	16.5	-0.25
Loan and Advances to Banks and Financial Institutions	-150	102	478	-79.5	102	-565
Loan and Advances to Customers	4,522	-1,066	-1,052	-1,355	-10,178	-2,079
Other Assets	65.8	-77.9	486	304	-38.2	-77.2
Increase/(Decrease) in Operating Liabilities	-3,272	4,140	-254	1,661	10,475	2,909
Due to Banks and Financial Institutions	-48.0	196	-213	-510	1,086	-215
Due to Nepal Rastra Bank	0.00	0.00	-1,973	1,649	324	-31.5
Deposit from Customers	-3,713	3,999	1,992	326	8,810	2,932
Borrowings	200	140	0.00	0.00	0.00	0.00
Other Liabilities	288	-195	-60.7	196	254	224
Net Cash Flow from Operating Activities Before Tax Paid	-3,159	3,500	-692	706	2,049	519
Income Taxes Paid	-32.2	-63.7	-208	-194	-235	-218
Net Cash Flow from Investing Activities (B)	1,543	-2,135	547	-342	-287	-1,122
Purchase of Investment Securities	0.00	-2,608	-1,636	-641	-400	-1,100
Receipts from Sale of Investment Securities	1,192	33.8	2,130	32.8	58.2	0.00
Purchase of Property and Equipment	-1.6	-80.1	-126	-45.9	-26.2	-89.1
Receipt from Sale of Property and Equipment	0.53	0.27	5.6	0.20	0.10	0.24
Purchase of Intangible Assets	-1.9	-8.8	-4.6	-7.4	-1.6	-3.3
Receipt from Sale of Intangible Assets	0.00	0.00	0.00	0.00	0.00	0.00
Purchase of Investment Properties	0.00	0.00	0.00	0.00	-90.4	-22.0
Receipt from Sale of Investment Properties	0.00	122	-200	55.3	12.5	0.00
Interest Received	344	387	341	239	152	87.8
Dividend Received	10.6	19.6	36.6	25.8	7.6	4.5
Net Cash Flow from Financing Activities (C)	97.7	-134	-104	-105	34.3	39.3
Receipt from Issue of Debt Securities	499	0.00	0.00	0.00	180	194
Repayment of Debt Securities	-300	0.00	0.00	0.00	-50.0	0.00
Receipt from Issue of Subordinated Liabilities	0.00	0.00	0.00	0.00	0.00	0.00
Repayment of Subordinated Liabilities	0.00	0.00	0.00	0.00	0.00	0.00
Receipt from Issue of Shares	0.00	0.00	0.00	0.00	0.00	47.6
Dividends Paid	-0.53	-28.7	0.00	0.00	-1.5	-99.8
Interest Paid	-101	-105	-104	-105	-94.4	-103
Other Receipt/Payment	0.00	0.00	0.00	0.00	0.00	0.00
Net Increase/(Decrease) in Cash and Cash Equivalents	-1,550	1,168	-456	65.3	1,561	-782
Cash and Cash Equivalents at Shrawan 01 (Beginning of the Year)	3,604	2,436	2,892	2,827	1,266	2,049
Effect of Exchange Rate Fluctuations on Cash and Cash Equivalents Held	0.00	0.00	0.00	0.00	0.00	0.00
Cash and Cash Equivalents at Ashadh End	2,053	3,604	2,436	2,892	2,827	1,266

NICA Quarterly Results

Values in Rs. Crore unless stated otherwise.

Particulars	Q3 2082/83	Q2 2082/83	Q1 2082/83	Q4 2081/82	Q3 2081/82	Q2 2081/82	Q1 2081/82	Q4 2080/81	Q3 2080/81	Q2 2080/81	Q1 2080/81
Net Interest Income	225	226	267	256	292	280	274	277	289	296	301
Interest Income	600	614	698	688	750	760	862	953	933	1,082	1,066
Interest Expense	-375	-388	-432	-432	-458	-480	-588	-676	-645	-786	-765
Net Fee and Commission Income	44.8	42.2	38.7	10.7	52.1	38.3	35.9	42.0	30.9	53.9	78.7
Fee and Commission Income	50.6	46.4	46.1	23.5	60.0	47.7	43.2	53.2	40.3	63.2	87.8
Fee and Commission Expense	-5.8	-4.2	-7.3	-12.9	-7.9	-9.4	-7.3	-11.3	-9.4	-9.2	-9.2
Net Trading Income	7.6	6.6	4.8	4.5	5.9	3.3	2.6	4.1	1.8	2.4	4.3
Other Operating Income	0.89	8.1	14.2	17.1	-9.3	2.9	22.3	1.5	28.2	19.7	12.4
Total Operating Income	278	283	324	289	341	324	334	324	349	372	397
Impairment Charge/(Reversal)	-47.8	-125	-132	-156	-68.8	-114	-117	-57.9	-173	11.5	-65.2
Net Operating Income	231	158	192	132	272	211	218	266	177	383	331
Operating Expenses	-166	-153	-167	-182	-167	-189	-196	-304	-166	-182	-166
Operating Expense - Personnel Expenses	-104	-94.2	-99.0	-102	-109	-114	-115	-186	-92.4	-116	-108
Other Operating Expenses	-42.8	-39.1	-47.4	-61.1	-41.1	-52.5	-57.3	-93.4	-50.0	-43.5	-42.3
Depreciation & Amortisation	-19.7	-20.0	-20.1	-18.7	-17.7	-22.9	-23.6	-24.4	-23.6	-21.9	-15.4
Operating Profit	64.1	4.8	25.8	-49.0	105	21.5	22.0	-37.5	10.6	202	166
Non-Operating Income/(Expense)	-45.9	0.99	-2.0	6.4	-99.5	-10.8	-1.7	-9.5	-5.0	-83.0	-13.0
Non-Operating Income	0.46	1.1	0.18	1.3	0.54	0.19	0.88	0.56	0.09	0.13	0.58
Non-Operating Expense	-46.4	-0.08	-2.2	5.0	-100	-11.0	-2.6	-10.0	-5.1	-83.2	-13.6
Profit Before Income Tax	18.1	5.8	23.8	-42.7	5.4	10.7	20.3	-47.0	5.6	119	153
Income Tax Expense	-5.4	-1.5	-8.1	0.16	-1.7	-3.2	-6.1	9.2	-1.5	-30.6	-43.9
Current Tax	-5.4	-1.5	-26.5	-87.4	-1.7	-3.2	-6.1	12.8	-1.5	-30.6	-43.9
Deferred Tax	0.00	0.00	18.4	87.6	0.00	0.00	0.00	-3.5	0.00	0.00	0.00
Profit for the Year	12.7	4.3	15.7	-42.5	3.7	7.5	14.2	-37.8	4.0	88.1	109

NIC Asia Bank share price history

Over the last 15 trading sessions NICA closed between Rs. 303.10 and Rs. 329.90, finishing at Rs. 326.30 on 2026-09-22 against Rs. 308.00 on 2026-08-26.

Date	Open	High	Low	Close	Volume
2026-09-22	328.00	334.00	323.10	326.30	61,214
2026-09-18	324.00	332.10	322.70	328.40	77,993
2026-09-17	322.00	328.90	322.00	325.00	63,062
2026-09-16	345.00	345.00	315.00	324.50	73,845
2026-09-15	329.00	332.00	315.10	329.90	1,46,946
2026-09-14	306.00	315.00	306.00	314.00	44,186
2026-09-11	305.00	310.00	303.10	308.40	14,681
2026-09-10	309.00	309.00	302.90	303.10	69,017
2026-09-09	324.40	324.40	306.30	308.00	32,159
2026-09-07	310.50	315.00	309.00	309.00	38,044
2026-09-03	308.00	310.00	307.00	309.50	26,480
2026-09-02	309.00	309.00	306.00	308.00	21,103
2026-09-01	306.00	311.80	303.10	308.00	19,910
2026-08-31	308.00	312.00	304.00	306.00	42,554
2026-08-26	308.00	310.00	306.10	308.00	62,038

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.

Year	Low (Rs.)	High (Rs.)	Sessions
2026	302.90	411.00	168
2025	304.50	428.40	225
2024	341.60	573.00	232
2023	490.10	668.14	227
2022	465.35	725.04	242
2021	543.41	841.09	239
2020	265.78	713.18	184
2019	217.93	304.98	245
2018	153.43	247.11	234
2017	161.90	242.26	230
2016	184.19	295.04	232
2015	102.75	218.22	215

NIC Asia Bank share price returns

At Rs. 326.30 on 2026-09-22, NICA is up 0.55% over 1 week, up 4.92% over 1 month, down 1.42% over 3 months, down 18.63% over 6 months, down 3.12% over 1 year and down 53.33% over 5 years. Each return compares that close with the last close on or before the same date in the earlier period.

Period	Return	From price (Rs.)	From date
1 week	+0.55%	324.50	2026-09-16
1 month	+4.92%	311.00	2026-08-24
3 months	-1.42%	331.00	2026-06-25
6 months	-18.63%	401.00	2026-03-26
1 year	-3.12%	336.80	2025-09-23
5 years	-53.33%	699.22	2021-09-23

NICA floorsheet for 2026-09-22

NICA traded 200 times on 2026-09-22, moving 59,424 shares for Rs. 1.95 crore of turnover. Trades went through between Rs. 318.00 and Rs. 334.00.

Largest buyers by volume: broker 58, Naasa Securities Co. Ltd. on 21,101 shares across 39 trades, broker 36, Secured Securities Limited on 6,506 shares across 12 trades, broker 56, Sri Hari Securities Pvt.Ltd on 5,000 shares across 11 trades, broker 38, Dipshika Dhitopatra Karobar Co. Pvt.Limited on 3,790 shares across 14 trades, broker 34, Vision Securities Pvt.Limited on 3,157 shares across 10 trades, broker 65, Sharepro Securities Private Limited on 2,010 shares across 2 trades, broker 57, Arya Tara Investment And Securities Pvt. Ltd. on 1,743 shares across 4 trades, broker 14, Nepal Stock House Pvt. Limited on 1,730 shares across 9 trades, broker 7, J.F. Securities Company Pvt. Limited on 1,680 shares across 2 trades and broker 16, Primo Securities Pvt. Limited on 1,450 shares across 8 trades.

Largest sellers by volume: broker 49, Online Securities Limited on 12,937 shares across 35 trades, broker 34, Vision Securities Pvt.Limited on 8,081 shares across 5 trades, broker 94, K.B.L. Securities Limited on 7,600 shares across 15 trades, broker 14, Nepal Stock House Pvt. Limited on 6,197 shares across 6 trades, broker 28, Shree Krishna Securities Limited on 4,600 shares across 15 trades, broker 17, ABC Securities Pvt. Limited on 4,020 shares across 6 trades, broker 22, Siprabi Securities Pvt. Limited on 2,430 shares across 10 trades, broker 65, Sharepro Securities Private Limited on 1,535 shares across 5 trades, broker 71, Shubhakamana Securities Pvt. Ltd on 1,500 shares across 3 trades and broker 59, Deevyaa Securities & Stock House Pvt. Ltd on 1,174 shares across 6 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.

Financial year	Bonus share	Cash dividend	Announced
2079/2080	29%		2023-09-24

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.

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