Kathmandu, July 11 – As per the latest financial data published for the end of Jestha 2082 (mid-June 2025), Global IME Bank has emerged as the top performer in terms of total Capital Fund, surpassing all other commercial banks in Nepal. The bank has recorded a capital fund of Rs. 61.44 billion, showcasing its robust financial strength and capital adequacy.

Closely following Global IME is NIMB Bank with Rs. 60.43 billion, NABIL Bank with Rs. 56.27 billion, and Rastriya Banijya Bank (RBB) with Rs. 50.81 billion. These banks have maintained solid capital bases through strong paid-up capital and substantial reserves, helping them meet regulatory capital requirements and risk exposure thresholds.

In terms of Paid-up Capital, Global IME also leads the chart with Rs. 38.11 billion, followed by NABIL (Rs. 27.05 billion) and NIMB (Rs. 34.13 billion). These high capital figures reflect long-term capital raising efforts through rights issues, bonus shares, and mergers.

Under General Reserves, RBB holds the highest amount with Rs. 12.27 billion, signaling a strong retained profitability base over the years. NABIL (Rs. 15.16 billion) and Global IME (Rs. 12.56 billion) also maintain impressive general reserves, which indicate healthy internal capital generation.

Notably, several banks like SCBNL, HBL, and MBL recorded negative retained earnings, suggesting previous-year losses or heavy provisioning. Himalayan Bank (HBL) posted a retained loss of Rs. 7.44 billion, the largest among the banks, which could be a result of write-offs or declining profit margins in the past fiscal periods.

The Others Reserves Fund further highlights long-term resilience, with RBB maintaining the highest at Rs. 26.34 billion, followed by NIMB at Rs. 19.62 billion and NBL at Rs. 16.04 billion. These include funds earmarked for contingencies, regulatory buffers, or revaluation reserves.

Banks such as Sanima, Prabhu, and Citizen maintain relatively modest capital bases, with total capital funds under Rs. 21 billion, which may limit their capacity for aggressive credit expansion or acquisition-led growth.

Overall, the data clearly positions Global IME Bank as the leader in capital strength, supported by a well-diversified reserve base and strong paid-up capital. The strong showing by NIMB, NABIL, and RBB also affirms their standing as dominant institutions in Nepal’s commercial banking sector.

As the financial ecosystem tightens under revised Basel guidelines and potential credit expansions, well-capitalized banks like these are expected to maintain greater market confidence and creditworthiness going forward.