Prime Commercial Bank Ltd. (PCBL) Share Price & Fundamentals
Prime Commercial Bank (PCBL) share price is Rs. 260.00, up 0.39% on 2026-09-22. Open Rs. 259.00. High Rs. 260.80. Low Rs. 250.80. Volume 216,406.
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.
About Prime Commercial Bank Ltd.
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.
PCBL key metrics
PCBL strengths
What Prime Commercial Bank Ltd.'s own accounts show in its favour, graded against the rest of its sector.
- Profit grew 28.5% on last year. (Growth)
- Lends out 79.4% of deposits, comfortably within the 90% Nepal Rastra Bank allows. (Liquidity & Funding)
- 92.9% of its funding comes from customer deposits, which are cheap and stable. (Liquidity & Funding)
- Turns 34.6% of its income into profit once every cost is paid. (Profitability)
- Keeps 57.4% of income as profit from everyday banking, before tax. (Profitability)
- Customer deposits grew 24.7% on last year, giving it more cheap money to lend. (Growth)
- Only 1% of funding is borrowed, so the bank largely funds itself. (Liquidity & Funding)
- 10.4% of what the bank owns belongs to shareholders rather than depositors and lenders. (Capital Strength)
- The bank grew 18.5% bigger over the year. (Shareholder Returns)
- 15.5% of income comes from fees and commissions, so it does not depend on lending alone. (Margins & Income Quality)
- Owns 9.62x for every rupee shareholders put in, a modest multiple that limits risk. (Capital Strength)
- The loan book grew 15.5% on last year, so more money is being put to work. (Growth)
- 77.4% of income comes from lending, which is steady and predictable. (Margins & Income Quality)
- Staff costs come to 20.6% of income, so wages are well controlled. (Efficiency)
PCBL 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 9.7%, below what owners would hope for. (Profitability)
- Makes only 2.8% from the gap between lending and deposit rates, so core earnings are squeezed. (Margins & Income Quality)
- Return on everything it owns is 1%, so its assets are not producing much. (Profitability)
- 14.6% of income is lost to loans going bad, which eats directly into profit. (Asset Quality)
- Each share produced Rs 19.63 over the year. (Shareholder Returns)
- Income from lending moved 3.3%, so the core business is not growing. (Growth)
- Each share is backed by only Rs 156.96 of net worth. (Shareholder Returns)
- Total income moved 5.8% on last year. (Growth)
- Loans are 66.1% of what the bank owns, so most of its risk sits in lending. (Asset Quality)
- Only 7.1% of income comes from outside interest, so a change in rates hits hard. (Margins & Income Quality)
PCBL Q4 2082/83 results
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.
PCBL annual results 2082/83
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.
PCBL profit and loss for 2082/83
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.
PCBL profit and loss for 2081/82
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.
PCBL profit and loss for 2080/81
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.
PCBL balance sheet for 2081/82
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.
PCBL balance sheet for 2080/81
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.
PCBL balance sheet for 2078/79
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.
PCBL cash flow for 2081/82
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.
PCBL cash flow for 2080/81
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.
PCBL cash flow for 2078/79
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.
PCBL quarterly for Q4 2082/83
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.
PCBL quarterly for Q3 2082/83
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.
PCBL quarterly for Q2 2082/83
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.
PCBL quarterly for Q1 2082/83
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.
PCBL Profit & Loss
Values in Rs. Crore unless stated otherwise.
| Particulars | 2082/83 | 2081/82 | 2080/81 | 2078/79 | 2077/78 | 2076/77 |
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| Net Interest Income | 921 | 892 | 788 | 619 | 595 | 464 |
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| Interest Income | 2,162 | 2,363 | 2,580 | 1,830 | 1,401 | 1,223 |
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| Interest Expense | -1,241 | -1,471 | -1,792 | -1,211 | -806 | -759 |
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| Net Fee and Commission Income | 185 | 169 | 168 | 109 | 135 | 83.1 |
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| Fee and Commission Income | 208 | 191 | 187 | 123 | 145 | 90.3 |
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| Fee and Commission Expense | -23.4 | -22.0 | -19.5 | -14.3 | -10.5 | -7.1 |
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| Net Trading Income | 37.3 | 24.0 | 15.4 | 23.1 | 32.1 | 26.8 |
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| Other Operating Income | 47.0 | 39.3 | 11.9 | 15.7 | 22.7 | 6.2 |
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| Total Operating Income | 1,190 | 1,125 | 983 | 766 | 784 | 580 |
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| Impairment Charge/(Reversal) | -174 | -272 | -164 | -124 | -76.9 | -76.6 |
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| Net Operating Income | 1,016 | 853 | 820 | 642 | 707 | 504 |
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| Operating Expenses | -333 | -314 | -288 | -247 | -239 | -177 |
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| Operating Expense - Personnel Expenses | -245 | -229 | -205 | -167 | -159 | -109 |
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| Other Operating Expenses | -57.1 | -55.3 | -52.8 | -47.2 | -61.2 | -53.3 |
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| Depreciation & Amortisation | -30.8 | -29.6 | -30.9 | -33.0 | -18.4 | -14.0 |
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| Operating Profit | 683 | 538 | 531 | 395 | 469 | 327 |
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| Non-Operating Income/(Expense) | -91.6 | -61.9 | -26.6 | 0.00 | 0.00 | 0.00 |
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| Non-Operating Income | 3.7 | 0.19 | 0.08 | 0.00 | 0.00 | 0.00 |
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| Non-Operating Expense | -95.2 | -62.1 | -26.7 | 0.00 | 0.00 | 0.00 |
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| Profit Before Income Tax | 592 | 476 | 505 | 395 | 469 | 327 |
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| Income Tax Expense | -180 | -156 | -154 | -116 | -142 | -102 |
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| Current Tax | -228 | -198 | -165 | -126 | -150 | -99.4 |
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| Deferred Tax | 47.9 | 41.7 | 10.6 | 9.6 | 8.6 | -2.4 |
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| Profit for the Year | 411 | 320 | 351 | 279 | 327 | 225 |
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PCBL Balance Sheet
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2078/79 | 2077/78 | 2076/77 |
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| Total Assets | 31,649 | 26,700 | 21,036 | 19,090 | 15,218 |
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| Cash and Cash Equivalents | 1,356 | 1,144 | 1,162 | 786 | 1,038 |
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| Due from Nepal Rastra Bank | 1,957 | 970 | 886 | 1,050 | 872 |
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| Placement with Banks and FIs | 376 | 115 | 14.5 | 477 | 226 |
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| Loans and Advances to Banks and FIs | 893 | 894 | 667 | 610 | 412 |
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| Loans and Advances to Customers | 20,910 | 18,103 | 14,705 | 13,538 | 11,044 |
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| Investment Securities | 5,238 | 4,758 | 3,140 | 2,343 | 1,368 |
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| 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 |
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| Investment Property | 394 | 191 | 53.0 | 36.6 | 49.6 |
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| Property and Equipment | 194 | 201 | 197 | 105 | 108 |
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| 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 |
|---|
PCBL Cash Flow
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 |
|---|
PCBL Quarterly Results
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 |
|---|
Prime Commercial Bank share price history
Over the last 15 trading sessions PCBL closed between Rs. 233.50 and Rs. 260.00, finishing at Rs. 260.00 on 2026-09-22 against Rs. 237.80 on 2026-08-26.
| Date | Open | High | Low | Close | Volume |
|---|
| 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 |
|---|
| 2026-09-17 | 245.00 | 252.00 | 245.00 | 251.80 | 2,27,337 |
|---|
| 2026-09-16 | 245.10 | 247.00 | 240.00 | 245.00 | 80,305 |
|---|
| 2026-09-15 | 250.00 | 250.00 | 243.00 | 245.00 | 1,51,325 |
|---|
| 2026-09-14 | 244.50 | 245.00 | 240.20 | 242.00 | 78,377 |
|---|
| 2026-09-11 | 239.00 | 241.00 | 236.20 | 241.00 | 40,689 |
|---|
| 2026-09-10 | 239.50 | 242.70 | 236.00 | 239.50 | 42,719 |
|---|
| 2026-09-09 | 256.00 | 256.00 | 239.00 | 240.00 | 24,434 |
|---|
| 2026-09-07 | 249.90 | 249.90 | 236.50 | 243.90 | 43,028 |
|---|
| 2026-09-03 | 237.10 | 239.90 | 235.20 | 238.00 | 40,298 |
|---|
| 2026-09-02 | 235.00 | 237.00 | 234.00 | 237.00 | 19,436 |
|---|
| 2026-09-01 | 234.00 | 238.00 | 232.00 | 235.00 | 31,155 |
|---|
| 2026-08-31 | 235.00 | 236.00 | 232.00 | 233.50 | 33,319 |
|---|
| 2026-08-26 | 237.90 | 239.00 | 236.70 | 237.80 | 40,466 |
|---|
PCBL share price by year
2026, between Rs. 225.00 and Rs. 275.90, 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 | 275.90 | 168 |
|---|
| 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 |
|---|
Prime Commercial Bank share price returns
At Rs. 260.00 on 2026-09-22, PCBL is up 6.12% over 1 week, up 7.88% over 1 month, up 10.83% over 3 months, down 1.10% over 6 months, up 14.49% over 1 year and down 32.25% 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 | +6.12% | 245.00 | 2026-09-15 |
|---|
| 1 month | +7.88% | 241.00 | 2026-08-21 |
|---|
| 3 months | +10.83% | 234.60 | 2026-06-24 |
|---|
| 6 months | -1.10% | 262.90 | 2026-03-26 |
|---|
| 1 year | +14.49% | 227.09 | 2025-09-21 |
|---|
| 5 years | -32.25% | 383.76 | 2021-09-23 |
|---|
PCBL floorsheet for 2026-09-22
PCBL traded 411 times on 2026-09-22, moving 2,01,282 shares for Rs. 5.21 crore of turnover. Trades went through between Rs. 250.80 and Rs. 260.80.
Largest buyers by volume: broker 58, Naasa Securities Co. Ltd. on 29,357 shares across 53 trades, broker 45, Imperial Securities Co. Limited on 28,740 shares across 62 trades, broker 44, Dynamic Money Managers Securities Pvt.Ltd on 20,566 shares across 35 trades, broker 63, Himalayan Brokerage Company Limited on 17,000 shares across 25 trades, broker 17, ABC Securities Pvt. Limited on 15,273 shares across 35 trades, broker 34, Vision Securities Pvt.Limited on 14,440 shares across 27 trades, broker 57, Arya Tara Investment And Securities Pvt. Ltd. on 10,591 shares across 12 trades, broker 50, Crystal Kanchenjunga Securities Pvt.Ltd on 8,972 shares across 8 trades, broker 42, Sani Securities Company Limited on 8,722 shares across 26 trades and broker 16, Primo Securities Pvt. Limited on 6,994 shares across 15 trades.
Largest sellers by volume: broker 91, C.B.I.L. Securities Limited on 40,020 shares across 28 trades, broker 8, Ashutosh Brokerage & Securities Pvt. Limited on 20,190 shares across 28 trades, broker 43, South Asian Bulls Pvt.Limited on 20,032 shares across 31 trades, broker 65, Sharepro Securities Private Limited on 18,000 shares across 12 trades, broker 42, Sani Securities Company Limited on 9,505 shares across 22 trades, broker 6, Agrawal Securities Pvt. Limited on 8,315 shares across 20 trades, broker 32, Premier Securites Company Limited on 6,374 shares across 16 trades, broker 82, N.M.B. Securities Limited on 5,500 shares across 9 trades, broker 83, Sanima Securities Limited on 4,077 shares across 7 trades and broker 14, Nepal Stock House Pvt. Limited on 3,576 shares across 10 trades.
PCBL dividend history: bonus shares and cash dividend
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.
PCBL general meetings
Annual and special general meetings Prime Commercial Bank Ltd. has called. A dividend is declared by the board and approved at the AGM.
- 18th AGM for 2081/2082: on 2026-01-14, at Nepal Pragya Pratisthan, Kamaladi, Kathmandu (11:00A M)
- 17th AGM for 2080/2081: on 2024-12-04, at Army Officer's Club, Bhadrakali, Kathmandu (11:00 AM)
- 16th AGM for 2079/2080: on 2024-01-14, at Amritbhog Caters, Kalikasthan, Dillibazar, Kathmandu (11:00 AM)
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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