Prime Commercial Bank (PCBL) share price is Rs. 268.00, up 1.13% on 2026-10-12. Open Rs. 278.00. High Rs. 278.00. Low Rs. 262.10. Volume 465,958.
Prime Commercial Bank Ltd. is a NEPSE-listed company (PCBL), Commercial Banks sector. Revenue: Rs. 1,190.08 Crore. Net profit: Rs. 411.26 Crore. Net worth: Rs. 3,289.05 Crore.
Prime Commercial Bank Limited (PCBL) is a Kathmandu-based class A commercial bank with its head office at Kamalpokhari. It was incorporated in September 2007 as the 21st commercial bank of Nepal, and has grown through several mergers and acquisitions - Biratlaxmi Bikas Bank and Country Development Bank (joint operation from 2074 BS), Kankai Bikas Bank, and Kailash Bikas Bank, whose merger completed in February 2020. It provides retail, corporate and digital banking nationwide, and consolidates subsidiaries, so Group and Bank figures differ.
Prime Commercial Bank Ltd. (PCBL) has 20,95,47,818 shares outstanding. It listed on NEPSE in 2017. Its most recent declared dividend was 0.42% on face value.
Company website: www.primebank.com.np.
| Market Cap | Rs. 5,615.88 Crore |
|---|---|
| P/E Ratio | 17.55 |
| P/E Ratio (TTM) | 13.66 |
| EPS | Rs. 15.27 |
| EPS (TTM) | Rs. 19.63 |
| Book Value | Rs. 156.96 |
| Dividend Yield | 0.16% |
| Face Value | Rs. 100.00 |
| 52 Week High | Rs. 278.00 |
| 52 Week Low | Rs. 212.69 |
| Listed Since | 2017 |
What Prime Commercial Bank Ltd.'s own accounts show in its favour, graded against the rest of its sector.
What the same accounts show against it. Both lists are computed from the filed figures, not opinion, and are not advice.
In Q4 2082/83 Prime Commercial Bank Ltd. reported profit of Rs. 102.32 crore and total operating income of Rs. 299.53 crore. Profit in Q3 2082/83 was Rs. 104.6 crore. Profit fell 2.17% on the previous quarter. Total operating income grew 10.20% on the previous quarter. Profit in Q4 2081/82, the same quarter a year earlier, was Rs. 179.51 crore. Profit fell 43.00% on the same quarter last year. Total operating income grew 6.08% on the same quarter last year.
For the financial year 2082/83 Prime Commercial Bank Ltd. reported net profit of Rs. 411.26 crore, total operating income of Rs. 1,190.08 crore and net worth of Rs. 3,289.05 crore. Net profit in 2081/82 was Rs. 320.08 crore. Net profit grew 28.49% on the year. Total operating income grew 5.82% on the year.
In the financial year 2082/83, Prime Commercial Bank Ltd. reported net interest income of Rs. 921.27 crore, net fee and commission income of Rs. 184.52 crore, net trading income of Rs. 37.28 crore, other operating income of Rs. 47.01 crore, total operating income of Rs. 1,190.08 crore, impairment charge/(reversal) of Rs. 173.96 crore, net operating income of Rs. 1,016.12 crore, operating expenses of Rs. 332.81 crore, operating profit of Rs. 683.31 crore, non-operating income/(expense) of Rs. 91.56 crore, profit before income tax of Rs. 591.75 crore, income tax expense of Rs. 180.49 crore and profit for the year of Rs. 411.26 crore.
Reported under net interest income: interest income of Rs. 2,161.86 crore and interest expense of Rs. 1,240.59 crore. Reported under net fee and commission income: fee and commission income of Rs. 207.87 crore and fee and commission expense of Rs. 23.35 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 244.99 crore, other operating expenses of Rs. 57.06 crore and depreciation & amortisation of Rs. 30.76 crore. Reported under non-operating income/(expense): non-operating income of Rs. 3.69 crore and non-operating expense of Rs. 95.25 crore. Reported under income tax expense: current tax of Rs. 228.41 crore and deferred tax of Rs. 47.92 crore.
In the financial year 2081/82, Prime Commercial Bank Ltd. reported net interest income of Rs. 891.82 crore, net fee and commission income of Rs. 169.43 crore, net trading income of Rs. 24.03 crore, other operating income of Rs. 39.32 crore, total operating income of Rs. 1,124.59 crore, impairment charge/(reversal) of Rs. 272.07 crore, net operating income of Rs. 852.52 crore, operating expenses of Rs. 314.24 crore, operating profit of Rs. 538.28 crore, non-operating income/(expense) of Rs. 61.94 crore, profit before income tax of Rs. 476.34 crore, income tax expense of Rs. 156.26 crore and profit for the year of Rs. 320.08 crore.
Reported under net interest income: interest income of Rs. 2,362.85 crore and interest expense of Rs. 1,471.03 crore. Reported under net fee and commission income: fee and commission income of Rs. 191.45 crore and fee and commission expense of Rs. 22.02 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 229.38 crore, other operating expenses of Rs. 55.28 crore and depreciation & amortisation of Rs. 29.57 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.19 crore and non-operating expense of Rs. 62.13 crore. Reported under income tax expense: current tax of Rs. 197.95 crore and deferred tax of Rs. 41.68 crore.
In the financial year 2080/81, Prime Commercial Bank Ltd. reported net interest income of Rs. 788.28 crore, net fee and commission income of Rs. 167.88 crore, net trading income of Rs. 15.36 crore, other operating income of Rs. 11.9 crore, total operating income of Rs. 983.41 crore, impairment charge/(reversal) of Rs. 163.67 crore, net operating income of Rs. 819.74 crore, operating expenses of Rs. 288.45 crore, operating profit of Rs. 531.29 crore, non-operating income/(expense) of Rs. 26.59 crore, profit before income tax of Rs. 504.7 crore, income tax expense of Rs. 153.91 crore and profit for the year of Rs. 350.79 crore.
Reported under net interest income: interest income of Rs. 2,579.93 crore and interest expense of Rs. 1,791.65 crore. Reported under net fee and commission income: fee and commission income of Rs. 187.42 crore and fee and commission expense of Rs. 19.54 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 204.74 crore, other operating expenses of Rs. 52.84 crore and depreciation & amortisation of Rs. 30.86 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.08 crore and non-operating expense of Rs. 26.67 crore. Reported under income tax expense: current tax of Rs. 164.54 crore and deferred tax of Rs. 10.62 crore.
In the financial year 2081/82, Prime Commercial Bank Ltd. reported total assets of Rs. 31,649.16 crore, total liabilities of Rs. 28,360.11 crore and total equity of Rs. 3,289.05 crore.
Reported under total assets: cash and cash equivalents of Rs. 1,355.89 crore, due from nepal rastra bank of Rs. 1,956.74 crore, placement with banks and fis of Rs. 375.98 crore, loans and advances to banks and fis of Rs. 892.99 crore, loans and advances to customers of Rs. 20,909.92 crore, investment securities of Rs. 5,237.94 crore, current tax assets of Rs. 1.54 crore, investment in associates of Rs. 4.6 crore, investment property of Rs. 394.4 crore, property and equipment of Rs. 193.7 crore, goodwill and intangible assets of Rs. 38.59 crore, deferred tax assets of Rs. 80.28 crore and other assets of Rs. 206.59 crore. Reported under total liabilities: due to banks and fis of Rs. 465.98 crore, due to nepal rastra bank of Rs. 0 crore, deposits from customers of Rs. 26,336.07 crore, borrowings of Rs. 275 crore, other liabilities of Rs. 366.32 crore and debt securities issued of Rs. 916.74 crore. Reported under total equity: share capital of Rs. 1,940.26 crore, share premium of Rs. 0 crore, retained earnings of Rs. 173.33 crore, reserves of Rs. 1,175.46 crore and non controlling interest of Rs. 0 crore.
In the financial year 2080/81, Prime Commercial Bank Ltd. reported total assets of Rs. 26,700.24 crore, total liabilities of Rs. 23,635 crore and total equity of Rs. 3,065.23 crore.
Reported under total assets: cash and cash equivalents of Rs. 1,143.58 crore, due from nepal rastra bank of Rs. 969.8 crore, placement with banks and fis of Rs. 115.27 crore, loans and advances to banks and fis of Rs. 893.84 crore, loans and advances to customers of Rs. 18,102.96 crore, investment securities of Rs. 4,758.35 crore, current tax assets of Rs. 6.84 crore, investment in associates of Rs. 4.6 crore, investment property of Rs. 191.19 crore, property and equipment of Rs. 200.72 crore, goodwill and intangible assets of Rs. 37.39 crore, deferred tax assets of Rs. 38.92 crore and other assets of Rs. 236.79 crore. Reported under total liabilities: due to banks and fis of Rs. 1,012.08 crore, due to nepal rastra bank of Rs. 0 crore, deposits from customers of Rs. 21,116.03 crore, borrowings of Rs. 267.4 crore, other liabilities of Rs. 323.55 crore and debt securities issued of Rs. 915.94 crore. Reported under total equity: share capital of Rs. 1,940.26 crore, share premium of Rs. 0 crore, retained earnings of Rs. 99.53 crore, reserves of Rs. 1,025.44 crore and non controlling interest of Rs. 0 crore.
In the financial year 2078/79, Prime Commercial Bank Ltd. reported total assets of Rs. 21,036.19 crore, total liabilities of Rs. 18,335.62 crore and total equity of Rs. 2,700.57 crore.
Reported under total assets: cash and cash equivalents of Rs. 1,162.09 crore, due from nepal rastra bank of Rs. 886.03 crore, placement with banks and fis of Rs. 14.49 crore, loans and advances to banks and fis of Rs. 667.28 crore, loans and advances to customers of Rs. 14,705.39 crore, investment securities of Rs. 3,140.28 crore, current tax assets of Rs. 64 crore, investment in associates of Rs. 4.6 crore, investment property of Rs. 52.98 crore, property and equipment of Rs. 197.37 crore, goodwill and intangible assets of Rs. 37.95 crore, deferred tax assets of Rs. 12.32 crore and other assets of Rs. 91.4 crore. Reported under total liabilities: due to banks and fis of Rs. 609.68 crore, due to nepal rastra bank of Rs. 455.61 crore, deposits from customers of Rs. 16,020.34 crore, borrowings of Rs. 0 crore, other liabilities of Rs. 335.43 crore and debt securities issued of Rs. 914.55 crore. Reported under total equity: share capital of Rs. 1,865.63 crore, share premium of Rs. 0 crore, retained earnings of Rs. 173.89 crore, reserves of Rs. 661.05 crore and non controlling interest of Rs. 0 crore.
In the financial year 2081/82, Prime Commercial Bank Ltd. reported net cash flow from operating activities (a) of Rs. 682.64 crore, net cash flow from investing activities (b) of Rs. 385.87 crore, net cash flow from financing activities (c) of Rs. 84.46 crore, net increase/(decrease) in cash and cash equivalents of Rs. 212.32 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 1,143.58 crore, effect of exchange rate fluctuations on cash and cash equivalents held of Rs. 0.01 crore and cash and cash equivalents at ashadh end of Rs. 1,355.89 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 2,124.99 crore, fees and other income received of Rs. 192.26 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 41.85 crore, interest paid of Rs. 1,464.2 crore, commission and fees paid of Rs. 22.02 crore, cash payment to employees of Rs. 217.83 crore, other expense paid of Rs. 76.31 crore, operating cash flows before changes in operating assets and liabilities of Rs. 578.74 crore, due from nepal rastra bank of Rs. 986.94 crore, placement with banks and financial institutions of Rs. 257.61 crore, other trading assets of Rs. 0 crore, loan and advances to banks and financial institutions of Rs. 6.8 crore, loan and advances to customers of Rs. 3,210.18 crore, other assets of Rs. 33.32 crore, due to banks and financial institutions of Rs. 546.1 crore, due to nepal rastra bank of Rs. 0 crore, deposit from customers of Rs. 5,220.04 crore, borrowings of Rs. 7.6 crore, other liabilities of Rs. 29.62 crore, net cash flow from operating activities before tax paid of Rs. 875.29 crore and income taxes paid of Rs. 192.65 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 696.16 crore, receipts from sale of investment securities of Rs. 233.55 crore, purchase of property and equipment of Rs. 23.45 crore, receipt from sale of property and equipment of Rs. 13.11 crore, purchase of intangible assets of Rs. 1.81 crore, receipt from sale of intangible assets of Rs. 0 crore, purchase of investment properties of Rs. 271.59 crore, receipt from sale of investment properties of Rs. 70.26 crore, interest received of Rs. 281.13 crore and dividend received of Rs. 9.08 crore. Reported under net cash flow from financing activities (c): receipt from issue of debt securities of Rs. 0 crore, receipt from issue of subordinated liabilities of Rs. 0 crore, receipt from issue of shares of Rs. 0 crore, dividends paid of Rs. 84.46 crore, interest paid of Rs. 0 crore and other receipt/payment of Rs. 0 crore.
In the financial year 2080/81, Prime Commercial Bank Ltd. reported net cash flow from operating activities (a) of Rs. 1,378.19 crore, net cash flow from investing activities (b) of Rs. 1,664.36 crore, net cash flow from financing activities (c) of Rs. 0.44 crore, net increase/(decrease) in cash and cash equivalents of Rs. 286.6 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 1,430.54 crore, effect of exchange rate fluctuations on cash and cash equivalents held of Rs. 0.35 crore and cash and cash equivalents at ashadh end of Rs. 1,143.58 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 2,233.81 crore, fees and other income received of Rs. 211.7 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 20.8 crore, interest paid of Rs. 1,790.56 crore, commission and fees paid of Rs. 19.54 crore, cash payment to employees of Rs. 162.87 crore, other expense paid of Rs. 80.1 crore, operating cash flows before changes in operating assets and liabilities of Rs. 413.24 crore, due from nepal rastra bank of Rs. 235.18 crore, placement with banks and financial institutions of Rs. 113.65 crore, other trading assets of Rs. 0 crore, loan and advances to banks and financial institutions of Rs. 246.13 crore, loan and advances to customers of Rs. 2,878.13 crore, other assets of Rs. 108.72 crore, due to banks and financial institutions of Rs. 560.91 crore, due to nepal rastra bank of Rs. 0 crore, deposit from customers of Rs. 3,710.22 crore, borrowings of Rs. 4.4 crore, other liabilities of Rs. 73.63 crore, net cash flow from operating activities before tax paid of Rs. 1,503.71 crore and income taxes paid of Rs. 125.52 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 3,350.84 crore, receipts from sale of investment securities of Rs. 1,496.88 crore, purchase of property and equipment of Rs. 24.05 crore, receipt from sale of property and equipment of Rs. 0.36 crore, purchase of intangible assets of Rs. 0.78 crore, receipt from sale of intangible assets of Rs. 0 crore, purchase of investment properties of Rs. 95.51 crore, receipt from sale of investment properties of Rs. 47.69 crore, interest received of Rs. 259.19 crore and dividend received of Rs. 2.71 crore. Reported under net cash flow from financing activities (c): receipt from issue of debt securities of Rs. 0 crore, receipt from issue of subordinated liabilities of Rs. 0 crore, receipt from issue of shares of Rs. 0 crore, dividends paid of Rs. 0.44 crore, interest paid of Rs. 0 crore and other receipt/payment of Rs. 0 crore.
In the financial year 2078/79, Prime Commercial Bank Ltd. reported net cash flow from operating activities (a) of Rs. 529.91 crore, net cash flow from investing activities (b) of Rs. 815.15 crore, net cash flow from financing activities (c) of Rs. 660.65 crore, net increase/(decrease) in cash and cash equivalents of Rs. 375.4 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 786.5 crore, effect of exchange rate fluctuations on cash and cash equivalents held of Rs. 0.19 crore and cash and cash equivalents at ashadh end of Rs. 1,162.09 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 1,602.03 crore, fees and other income received of Rs. 128.54 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 25.54 crore, interest paid of Rs. 1,216.32 crore, commission and fees paid of Rs. 14.25 crore, cash payment to employees of Rs. 169.72 crore, other expense paid of Rs. 46.74 crore, operating cash flows before changes in operating assets and liabilities of Rs. 309.08 crore, due from nepal rastra bank of Rs. 163.77 crore, placement with banks and financial institutions of Rs. 461.94 crore, other trading assets of Rs. 0 crore, loan and advances to banks and financial institutions of Rs. 58.26 crore, loan and advances to customers of Rs. 1,168.2 crore, other assets of Rs. 22.06 crore, due to banks and financial institutions of Rs. 5.45 crore, due to nepal rastra bank of Rs. 219.53 crore, deposit from customers of Rs. 606.38 crore, borrowings of Rs. 0 crore, other liabilities of Rs. 173.51 crore, net cash flow from operating activities before tax paid of Rs. 691.14 crore and income taxes paid of Rs. 161.23 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 1,069.04 crore, receipts from sale of investment securities of Rs. 280.26 crore, purchase of property and equipment of Rs. 124.8 crore, receipt from sale of property and equipment of Rs. 0.8 crore, purchase of intangible assets of Rs. 0.87 crore, receipt from sale of intangible assets of Rs. 0 crore, purchase of investment properties of Rs. 28.99 crore, receipt from sale of investment properties of Rs. 12.97 crore, interest received of Rs. 106.32 crore and dividend received of Rs. 8.19 crore. Reported under net cash flow from financing activities (c): receipt from issue of debt securities of Rs. 670.46 crore, receipt from issue of subordinated liabilities of Rs. 0 crore, receipt from issue of shares of Rs. 0 crore, dividends paid of Rs. 9.81 crore, interest paid of Rs. 0 crore and other receipt/payment of Rs. 0 crore.
In the quarter Q4 2082/83, Prime Commercial Bank Ltd. reported net interest income of Rs. 237.15 crore, net fee and commission income of Rs. 47.37 crore, net trading income of Rs. 10.31 crore, other operating income of Rs. 4.71 crore, total operating income of Rs. 299.53 crore, impairment charge/(reversal) of Rs. 19.59 crore, net operating income of Rs. 279.94 crore, operating expenses of Rs. 86.03 crore, operating profit of Rs. 193.91 crore, non-operating income/(expense) of Rs. 43.16 crore, profit before income tax of Rs. 150.75 crore, income tax expense of Rs. 48.43 crore and profit for the year of Rs. 102.32 crore.
Reported under net interest income: interest income of Rs. 531.98 crore and interest expense of Rs. 294.84 crore. Reported under net fee and commission income: fee and commission income of Rs. 55.81 crore and fee and commission expense of Rs. 8.44 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 65.17 crore, other operating expenses of Rs. 1.13 crore and depreciation & amortisation of Rs. 19.73 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.78 crore and non-operating expense of Rs. 43.95 crore. Reported under income tax expense: current tax of Rs. 57.07 crore and deferred tax of Rs. 8.64 crore.
In the quarter Q3 2082/83, Prime Commercial Bank Ltd. reported net interest income of Rs. 218.79 crore, net fee and commission income of Rs. 34.07 crore, net trading income of Rs. 10.14 crore, other operating income of Rs. 8.8 crore, total operating income of Rs. 271.8 crore, impairment charge/(reversal) of Rs. 38.92 crore, net operating income of Rs. 232.88 crore, operating expenses of Rs. 83.03 crore, operating profit of Rs. 149.86 crore, non-operating income/(expense) of Rs. 0.84 crore, profit before income tax of Rs. 149.02 crore, income tax expense of Rs. 44.42 crore and profit for the year of Rs. 104.6 crore.
Reported under net interest income: interest income of Rs. 508.04 crore and interest expense of Rs. 289.24 crore. Reported under net fee and commission income: fee and commission income of Rs. 39.76 crore and fee and commission expense of Rs. 5.69 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 60.33 crore, other operating expenses of Rs. 19.01 crore and depreciation & amortisation of Rs. 3.69 crore. Reported under non-operating income/(expense): non-operating income of Rs. 2.62 crore and non-operating expense of Rs. 3.46 crore. Reported under income tax expense: current tax of Rs. 47.29 crore and deferred tax of Rs. 2.87 crore.
In the quarter Q2 2082/83, Prime Commercial Bank Ltd. reported net interest income of Rs. 224.59 crore, net fee and commission income of Rs. 36.04 crore, net trading income of Rs. 8.21 crore, other operating income of Rs. 4.87 crore, total operating income of Rs. 273.7 crore, impairment charge/(reversal) of Rs. 67.36 crore, net operating income of Rs. 206.34 crore, operating expenses of Rs. 74.39 crore, operating profit of Rs. 131.96 crore, non-operating income/(expense) of Rs. 19.87 crore, profit before income tax of Rs. 112.08 crore, income tax expense of Rs. 33.59 crore and profit for the year of Rs. 78.49 crore.
Reported under net interest income: interest income of Rs. 532.21 crore and interest expense of Rs. 307.62 crore. Reported under net fee and commission income: fee and commission income of Rs. 41.36 crore and fee and commission expense of Rs. 5.32 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 51.89 crore, other operating expenses of Rs. 18.87 crore and depreciation & amortisation of Rs. 3.62 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.21 crore and non-operating expense of Rs. 20.08 crore. Reported under income tax expense: current tax of Rs. 53.71 crore and deferred tax of Rs. 20.12 crore.
In the quarter Q1 2082/83, Prime Commercial Bank Ltd. reported net interest income of Rs. 240.74 crore, net fee and commission income of Rs. 67.05 crore, net trading income of Rs. 8.63 crore, other operating income of Rs. 28.63 crore, total operating income of Rs. 345.05 crore, impairment charge/(reversal) of Rs. 48.1 crore, net operating income of Rs. 296.95 crore, operating expenses of Rs. 89.37 crore, operating profit of Rs. 207.58 crore, non-operating income/(expense) of Rs. 27.68 crore, profit before income tax of Rs. 179.9 crore, income tax expense of Rs. 54.06 crore and profit for the year of Rs. 125.84 crore.
Reported under net interest income: interest income of Rs. 589.63 crore and interest expense of Rs. 348.89 crore. Reported under net fee and commission income: fee and commission income of Rs. 70.94 crore and fee and commission expense of Rs. 3.89 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 67.6 crore, other operating expenses of Rs. 18.06 crore and depreciation & amortisation of Rs. 3.71 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.09 crore and non-operating expense of Rs. 27.77 crore. Reported under income tax expense: current tax of Rs. 70.35 crore and deferred tax of Rs. 16.29 crore.
Values in Rs. Crore unless stated otherwise.
| Particulars | 2082/83 | 2081/82 | 2080/81 | 2078/79 | 2077/78 | 2076/77 |
|---|---|---|---|---|---|---|
| Net Interest Income | 921 | 892 | 788 | 619 | 595 | 464 |
| Interest Income | 2,162 | 2,363 | 2,580 | 1,830 | 1,401 | 1,223 |
| Interest Expense | -1,241 | -1,471 | -1,792 | -1,211 | -806 | -759 |
| Net Fee and Commission Income | 185 | 169 | 168 | 109 | 135 | 83.1 |
| Fee and Commission Income | 208 | 191 | 187 | 123 | 145 | 90.3 |
| Fee and Commission Expense | -23.4 | -22.0 | -19.5 | -14.3 | -10.5 | -7.1 |
| Net Trading Income | 37.3 | 24.0 | 15.4 | 23.1 | 32.1 | 26.8 |
| Other Operating Income | 47.0 | 39.3 | 11.9 | 15.7 | 22.7 | 6.2 |
| Total Operating Income | 1,190 | 1,125 | 983 | 766 | 784 | 580 |
| Impairment Charge/(Reversal) | -174 | -272 | -164 | -124 | -76.9 | -76.6 |
| Net Operating Income | 1,016 | 853 | 820 | 642 | 707 | 504 |
| Operating Expenses | -333 | -314 | -288 | -247 | -239 | -177 |
| Operating Expense - Personnel Expenses | -245 | -229 | -205 | -167 | -159 | -109 |
| Other Operating Expenses | -57.1 | -55.3 | -52.8 | -47.2 | -61.2 | -53.3 |
| Depreciation & Amortisation | -30.8 | -29.6 | -30.9 | -33.0 | -18.4 | -14.0 |
| Operating Profit | 683 | 538 | 531 | 395 | 469 | 327 |
| Non-Operating Income/(Expense) | -91.6 | -61.9 | -26.6 | 0.00 | 0.00 | 0.00 |
| Non-Operating Income | 3.7 | 0.19 | 0.08 | 0.00 | 0.00 | 0.00 |
| Non-Operating Expense | -95.2 | -62.1 | -26.7 | 0.00 | 0.00 | 0.00 |
| Profit Before Income Tax | 592 | 476 | 505 | 395 | 469 | 327 |
| Income Tax Expense | -180 | -156 | -154 | -116 | -142 | -102 |
| Current Tax | -228 | -198 | -165 | -126 | -150 | -99.4 |
| Deferred Tax | 47.9 | 41.7 | 10.6 | 9.6 | 8.6 | -2.4 |
| Profit for the Year | 411 | 320 | 351 | 279 | 327 | 225 |
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2078/79 | 2077/78 | 2076/77 |
|---|---|---|---|---|---|
| Total Assets | 31,649 | 26,700 | 21,036 | 19,090 | 15,218 |
| Cash and Cash Equivalents | 1,356 | 1,144 | 1,162 | 786 | 1,038 |
| Due from Nepal Rastra Bank | 1,957 | 970 | 886 | 1,050 | 872 |
| Placement with Banks and FIs | 376 | 115 | 14.5 | 477 | 226 |
| Loans and Advances to Banks and FIs | 893 | 894 | 667 | 610 | 412 |
| Loans and Advances to Customers | 20,910 | 18,103 | 14,705 | 13,538 | 11,044 |
| Investment Securities | 5,238 | 4,758 | 3,140 | 2,343 | 1,368 |
| Current Tax Assets | 1.5 | 6.8 | 64.0 | 28.8 | 13.7 |
| Investment in Associates | 4.6 | 4.6 | 4.6 | 4.6 | 6.0 |
| Investment Property | 394 | 191 | 53.0 | 36.6 | 49.6 |
| Property and Equipment | 194 | 201 | 197 | 105 | 108 |
| Goodwill and Intangible Assets | 38.6 | 37.4 | 38.0 | 38.3 | 1.6 |
| Deferred Tax Assets | 80.3 | 38.9 | 12.3 | 3.5 | 1.2 |
| Other Assets | 207 | 237 | 91.4 | 69.3 | 79.3 |
| Total Liabilities | 28,360 | 23,635 | 18,336 | 16,660 | 13,166 |
| Due to Banks and FIs | 466 | 1,012 | 610 | 604 | 1,035 |
| Due to Nepal Rastra Bank | 0.00 | 0.00 | 456 | 236 | 12.1 |
| Deposits from Customers | 26,336 | 21,116 | 16,020 | 15,414 | 11,944 |
| Borrowings | 275 | 267 | 0.00 | 0.00 | 0.00 |
| Other Liabilities | 366 | 324 | 335 | 161 | 174 |
| Debt Securities Issued | 917 | 916 | 915 | 244 | 0.00 |
| Total Equity | 3,289 | 3,065 | 2,701 | 2,430 | 2,053 |
| Share Capital | 1,940 | 1,940 | 1,866 | 1,608 | 1,399 |
| Share Premium | 0.00 | 0.00 | 0.00 | 0.00 | 0.06 |
| Retained Earnings | 173 | 99.5 | 174 | 272 | 189 |
| Reserves | 1,175 | 1,025 | 661 | 550 | 465 |
| Non Controlling Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2078/79 | 2077/78 | 2076/77 |
|---|---|---|---|---|---|
| Net Cash Flow from Operating Activities (A) | 683 | 1,378 | 530 | 372 | 389 |
| Interest Received | 2,125 | 2,234 | 1,602 | 1,329 | 1,099 |
| Fees and Other Income Received | 192 | 212 | 129 | 113 | 104 |
| Dividend Received | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Receipts from Other Operating Activities | 41.8 | 20.8 | 25.5 | 38.5 | 29.9 |
| Interest Paid | -1,464 | -1,791 | -1,216 | -799 | -763 |
| Commission and Fees Paid | -22.0 | -19.5 | -14.3 | -10.5 | -7.1 |
| Cash Payment to Employees | -218 | -163 | -170 | -144 | -95.2 |
| Other Expense Paid | -76.3 | -80.1 | -46.7 | -59.6 | -53.0 |
| Operating Cash Flows Before Changes in Operating Assets and Liabilities | 579 | 413 | 309 | 467 | 314 |
| Due from Nepal Rastra Bank | -987 | 235 | 164 | -178 | -90.8 |
| Placement with Banks and Financial Institutions | -258 | -114 | 462 | -251 | -114 |
| Other Trading Assets | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Loan and Advances to Banks and Financial Institutions | 6.8 | -246 | -58.3 | -202 | -110 |
| Loan and Advances to Customers | -3,210 | -2,878 | -1,168 | -2,570 | -3,790 |
| Other Assets | 33.3 | -109 | -22.1 | 10.0 | 28.4 |
| Due to Banks and Financial Institutions | -546 | 561 | 5.4 | -431 | 113 |
| Due to Nepal Rastra Bank | 0.00 | 0.00 | 220 | 224 | -115 |
| Deposit from Customers | 5,220 | 3,710 | 606 | 3,470 | 4,240 |
| Borrowings | 7.6 | 4.4 | 0.00 | 0.00 | 0.00 |
| Other Liabilities | 29.6 | -73.6 | 174 | -0.87 | 14.9 |
| Net Cash Flow from Operating Activities Before Tax Paid | 875 | 1,504 | 691 | 537 | 491 |
| Income Taxes Paid | -193 | -126 | -161 | -165 | -102 |
| Net Cash Flow from Investing Activities (B) | -386 | -1,664 | -815 | -868 | -364 |
| Purchase of Investment Securities | -696 | -3,351 | -1,069 | -1,004 | -360 |
| Receipts from Sale of Investment Securities | 234 | 1,497 | 280 | 61.4 | 19.6 |
| Purchase of Property and Equipment | -23.4 | -24.1 | -125 | -18.1 | -45.2 |
| Receipt from Sale of Property and Equipment | 13.1 | 0.36 | 0.80 | 6.0 | 0.65 |
| Purchase of Intangible Assets | -1.8 | -0.78 | -0.87 | -3.7 | -3.2 |
| Receipt from Sale of Intangible Assets | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Purchase of Investment Properties | -272 | -95.5 | -29.0 | -0.36 | -27.2 |
| Receipt from Sale of Investment Properties | 70.3 | 47.7 | 13.0 | 14.8 | 1.6 |
| Interest Received | 281 | 259 | 106 | 74.5 | 48.6 |
| Dividend Received | 9.1 | 2.7 | 8.2 | 1.9 | 1.5 |
| Net Cash Flow from Financing Activities (C) | -84.5 | -0.44 | 661 | 244 | 482 |
| Receipt from Issue of Debt Securities | 0.00 | 0.00 | 670 | 244 | 0.00 |
| Receipt from Issue of Subordinated Liabilities | 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 |
| Dividends Paid | -84.5 | -0.44 | -9.8 | -0.00 | 6.6 |
| Interest Paid | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Receipt/Payment | 0.00 | 0.00 | 0.00 | 0.00 | 475 |
| Net Increase/(Decrease) in Cash and Cash Equivalents | 212 | -287 | 375 | -252 | 507 |
| Cash and Cash Equivalents at Shrawan 01 (Beginning of the Year) | 1,144 | 1,431 | 786 | 1,038 | 530 |
| Effect of Exchange Rate Fluctuations on Cash and Cash Equivalents Held | -0.01 | -0.35 | 0.19 | 0.26 | 0.35 |
| Cash and Cash Equivalents at Ashadh End | 1,356 | 1,144 | 1,162 | 786 | 1,038 |
Values in Rs. Crore unless stated otherwise.
| Particulars | Q4 2082/83 | Q3 2082/83 | Q2 2082/83 | Q1 2082/83 | Q4 2081/82 | Q3 2081/82 | Q2 2081/82 | Q1 2081/82 | Q4 2080/81 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 237 | 219 | 225 | 241 | 216 | 224 | 209 | 233 | 223 |
| Interest Income | 532 | 508 | 532 | 590 | 591 | 576 | 560 | 626 | 651 |
| Interest Expense | -295 | -289 | -308 | -349 | -375 | -352 | -351 | -393 | -428 |
| Net Fee and Commission Income | 47.4 | 34.1 | 36.0 | 67.0 | 49.1 | 32.3 | 33.1 | 56.2 | 41.8 |
| Fee and Commission Income | 55.8 | 39.8 | 41.4 | 70.9 | 56.8 | 37.8 | 38.2 | 60.0 | 49.6 |
| Fee and Commission Expense | -8.4 | -5.7 | -5.3 | -3.9 | -7.7 | -5.5 | -5.1 | -3.8 | -7.8 |
| Net Trading Income | 10.3 | 10.1 | 8.2 | 8.6 | 7.0 | 7.7 | 4.6 | 4.6 | 4.4 |
| Other Operating Income | 4.7 | 8.8 | 4.9 | 28.6 | 10.2 | 6.5 | 5.8 | 17.3 | 9.7 |
| Total Operating Income | 300 | 272 | 274 | 345 | 282 | 271 | 252 | 311 | 278 |
| Impairment Charge/(Reversal) | -19.6 | -38.9 | -67.4 | -48.1 | 91.2 | -147 | -45.1 | -41.0 | -34.9 |
| Net Operating Income | 280 | 233 | 206 | 297 | 374 | 124 | 207 | 270 | 244 |
| Operating Expenses | -86.0 | -83.0 | -74.4 | -89.4 | -89.6 | -70.7 | -71.3 | -87.5 | -85.2 |
| Operating Expense - Personnel Expenses | -65.2 | -60.3 | -51.9 | -67.6 | -69.1 | -49.5 | -49.5 | -66.0 | -59.5 |
| Other Operating Expenses | -1.1 | -19.0 | -18.9 | -18.1 | -0.92 | -17.9 | -18.5 | -18.0 | -1.7 |
| Depreciation & Amortisation | -19.7 | -3.7 | -3.6 | -3.7 | -19.5 | -3.3 | -3.3 | -3.5 | -24.0 |
| Operating Profit | 194 | 150 | 132 | 208 | 284 | 53.1 | 136 | 183 | 158 |
| Non-Operating Income/(Expense) | -43.2 | -0.84 | -19.9 | -27.7 | -9.5 | 0.05 | -52.5 | 0.00 | -26.7 |
| Non-Operating Income | 0.78 | 2.6 | 0.21 | 0.09 | 0.00 | 0.05 | 0.14 | 0.00 | 0.00 |
| Non-Operating Expense | -43.9 | -3.5 | -20.1 | -27.8 | -9.5 | 0.00 | -52.6 | 0.00 | -26.7 |
| Profit Before Income Tax | 151 | 149 | 112 | 180 | 274 | 53.1 | 83.4 | 183 | 132 |
| Income Tax Expense | -48.4 | -44.4 | -33.6 | -54.1 | -95.0 | -17.2 | -25.1 | -54.2 | -42.1 |
| Current Tax | -57.1 | -47.3 | -53.7 | -70.3 | -54.2 | -46.0 | -40.9 | -52.9 | -56.2 |
| Deferred Tax | 8.6 | 2.9 | 20.1 | 16.3 | -40.8 | 28.8 | 15.8 | -1.2 | 14.1 |
| Profit for the Year | 102 | 105 | 78.5 | 126 | 180 | 35.9 | 58.3 | 129 | 89.6 |
Over the last 15 trading sessions PCBL closed between Rs. 253.00 and Rs. 268.00, finishing at Rs. 268.00 on 2026-10-12 against Rs. 259.00 on 2026-09-18.
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| 2026-10-12 | 278.00 | 278.00 | 262.10 | 268.00 | 4,65,958 |
| 2026-10-09 | 272.00 | 272.00 | 260.30 | 265.00 | 2,55,956 |
| 2026-10-08 | 273.90 | 273.90 | 260.00 | 261.00 | 1,27,994 |
| 2026-10-07 | 272.00 | 272.00 | 258.00 | 260.90 | 1,34,970 |
| 2026-10-06 | 255.10 | 261.70 | 255.00 | 260.80 | 1,81,568 |
| 2026-10-05 | 250.00 | 259.90 | 250.00 | 257.90 | 1,47,125 |
| 2026-10-02 | 260.00 | 261.90 | 259.60 | 260.20 | 1,69,742 |
| 2026-10-01 | 259.80 | 262.00 | 257.20 | 261.00 | 1,56,981 |
| 2026-09-30 | 261.50 | 261.50 | 257.00 | 258.20 | 86,554 |
| 2026-09-29 | 261.80 | 262.90 | 255.50 | 260.00 | 2,24,545 |
| 2026-09-28 | 255.00 | 263.10 | 253.00 | 260.00 | 4,18,023 |
| 2026-09-24 | 250.60 | 258.90 | 250.50 | 257.00 | 1,07,064 |
| 2026-09-23 | 260.00 | 260.00 | 250.00 | 253.00 | 2,00,703 |
| 2026-09-22 | 259.00 | 260.80 | 250.80 | 260.00 | 2,16,406 |
| 2026-09-18 | 252.50 | 259.00 | 249.00 | 259.00 | 2,72,648 |
2026, between Rs. 225.00 and Rs. 278.00, 2025, between Rs. 209.26 and Rs. 268.52, 2024, between Rs. 172.22 and Rs. 304.63, 2023, between Rs. 162.96 and Rs. 228.70, 2022, between Rs. 186.52 and Rs. 349.00 and 2021, between Rs. 276.00 and Rs. 414.46.
| Year | Low (Rs.) | High (Rs.) | Sessions |
|---|---|---|---|
| 2026 | 225.00 | 278.00 | 181 |
| 2025 | 209.26 | 268.52 | 225 |
| 2024 | 172.22 | 304.63 | 232 |
| 2023 | 162.96 | 228.70 | 227 |
| 2022 | 186.52 | 349.00 | 242 |
| 2021 | 276.00 | 414.46 | 239 |
| 2020 | 146.29 | 293.66 | 183 |
| 2019 | 147.29 | 196.91 | 245 |
| 2018 | 131.44 | 174.59 | 235 |
| 2017 | 129.27 | 196.83 | 229 |
| 2016 | 127.74 | 246.48 | 232 |
| 2015 | 90.26 | 152.29 | 213 |
At Rs. 268.00 on 2026-10-12, PCBL is up 3.92% over 1 week, up 11.20% over 1 month, up 16.93% over 3 months, up 8.06% over 6 months, up 23.22% over 1 year and down 26.80% 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 | +3.92% | 257.90 | 2026-10-05 |
| 1 month | +11.20% | 241.00 | 2026-09-11 |
| 3 months | +16.93% | 229.20 | 2026-07-14 |
| 6 months | +8.06% | 248.00 | 2026-04-15 |
| 1 year | +23.22% | 217.50 | 2025-10-12 |
| 5 years | -26.80% | 366.10 | 2021-10-11 |
PCBL traded 468 times on 2026-10-12, moving 4,65,958 shares for Rs. 12.46 crore of turnover. Trades went through between Rs. 258.90 and Rs. 278.00.
Largest buyers by volume: broker 58, Naasa Securities Co. Ltd. on 1,32,070 shares across 119 trades, broker 44, Dynamic Money Managers Securities Pvt.Ltd on 1,07,487 shares across 17 trades, broker 4, Stock Broker Opal Securities Investment Pvt. Limited on 30,012 shares across 18 trades, broker 16, Primo Securities Pvt. Limited on 28,000 shares across 31 trades, broker 17, ABC Securities Pvt. Limited on 24,000 shares across 25 trades, broker 48, Trishakti Securities Public Limited on 14,500 shares across 29 trades, broker 49, Online Securities Limited on 13,787 shares across 27 trades, broker 35, Kohinoor Investment and Securities Pvt.Ltd on 11,600 shares across 13 trades, broker 66, Miyo Securities Pvt Ltd on 10,000 shares across 8 trades and broker 8, Ashutosh Brokerage & Securities Pvt. Limited on 9,498 shares across 2 trades.
Largest sellers by volume: broker 34, Vision Securities Pvt.Limited on 1,06,350 shares across 17 trades, broker 44, Dynamic Money Managers Securities Pvt.Ltd on 54,540 shares across 31 trades, broker 33, Dakshinkali Investment Securities Pvt.Limited on 35,744 shares across 18 trades, broker 67, Property Wizard Limited on 27,100 shares across 18 trades, broker 35, Kohinoor Investment and Securities Pvt.Ltd on 22,441 shares across 13 trades, broker 42, Sani Securities Company Limited on 18,060 shares across 19 trades, broker 66, Miyo Securities Pvt Ltd on 17,000 shares across 8 trades, broker 63, Himalayan Brokerage Company Limited on 17,000 shares across 5 trades, broker 77, Nabil Stock Dealer Limited on 16,810 shares across 9 trades and broker 57, Arya Tara Investment And Securities Pvt. Ltd. on 16,704 shares across 20 trades.
Prime Commercial Bank Ltd. most recently declared an 8% bonus share issue for 2081/2082, announced on 2025-12-24. 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 |
|---|---|---|---|
| 2081/2082 | 8% | 2025-12-24 | |
| 2080/2081 | 16% | 5% | 2024-11-13 |
| 2078/2079 | 4% | 4.95% | 2022-12-22 |
For 2081/2082 Prime Commercial Bank Ltd. declared an 8% bonus share issue, announced on 2025-12-24.
For 2080/2081 Prime Commercial Bank Ltd. declared a 16% bonus share issue and a 5% cash dividend, 21% in total, announced on 2024-11-13.
For 2078/2079 Prime Commercial Bank Ltd. declared a 4% bonus share issue and a 4.95% cash dividend, 8.95% in total, announced on 2022-12-22.
Annual and special general meetings Prime Commercial Bank Ltd. has called. A dividend is declared by the board and approved at the AGM.
6 years of annual statements and 9 quarters of results for PCBL, with charts and peer comparison, are free on NepView.
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