Agricultural Development Bank Limited (ADBL) Share Price & Fundamentals

Agricultural Development Bank (ADBL) share price is Rs. 317.80, up 0.57% on 2026-10-12. Open Rs. 311.30. High Rs. 320.70. Low Rs. 311.30. Volume 101,952.

Agricultural Development Bank Limited is a NEPSE-listed company (ADBL), Commercial Banks sector. Revenue: Rs. 1,122.57 Crore. Net profit: Rs. 263.37 Crore. Net worth: Rs. 3,885.77 Crore.

About Agricultural Development Bank Limited

Agricultural Development Bank Limited (ADBL) has 14,30,55,191 shares outstanding. Its most recent declared dividend was 9.75% on face value.

ADBL key metrics

ADBL strengths

What Agricultural Development Bank Limited's own accounts show in its favour, graded against the rest of its sector.

• Lends out 72.5% of deposits, comfortably within the 90% Nepal Rastra Bank allows. (Liquidity & Funding)
• Each share is backed by Rs 271.63 of the bank's own net worth. (Shareholder Returns)
• Customer deposits grew 20.4% on last year, giving it more cheap money to lend. (Growth)
• Only 0.9% of funding is borrowed, so the bank largely funds itself. (Liquidity & Funding)
• 81.3% of income comes from lending, which is steady and predictable. (Margins & Income Quality)
• 10.7% of what the bank owns belongs to shareholders rather than depositors and lenders. (Capital Strength)
• 90.8% of its funding comes from customer deposits, which are cheap and stable. (Liquidity & Funding)
• The bank grew 16.1% bigger over the year. (Shareholder Returns)
• 15.3% of income comes from fees and commissions, so it does not depend on lending alone. (Margins & Income Quality)
• Owns 9.31x for every rupee shareholders put in, a modest multiple that limits risk. (Capital Strength)
• Loans are 58.8% of what the bank owns, a balanced mix alongside other assets. (Asset Quality)

ADBL weaknesses

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

• Profit moved -29.6% on last year, so earnings are not building up. (Growth)
• Return on shareholders' money is 9.6%, below what owners would hope for. (Profitability)
• Income from lending moved -7.2%, so the core business is not growing. (Growth)
• Makes only 2.7% from the gap between lending and deposit rates, so core earnings are squeezed. (Margins & Income Quality)
• Total income moved -5.4% on last year. (Growth)
• Staff costs take 40.2% of income, a heavy load on earnings. (Efficiency)
• The loan book moved 4.4%, so lending is not expanding. (Growth)
• Return on everything it owns is 1%, so its assets are not producing much. (Profitability)
• 10.4% of income is lost to loans going bad, which eats directly into profit. (Asset Quality)
• Each share produced Rs 18.41 over the year. (Shareholder Returns)
• Net profit margin is 23.5%, less than most lenders keep once every cost is paid. (Profitability)
• Only 3.5% of income comes from outside interest, so a change in rates hits hard. (Margins & Income Quality)
• Operating margin is 35.1%, so running costs take too much of what core banking earns. (Profitability)

ADBL Q4 2082/83 results

In Q4 2082/83 Agricultural Development Bank Limited reported profit of Rs. 123.44 crore and total operating income of Rs. 309.81 crore. Profit in Q3 2082/83 was Rs. 69.52 crore. Profit grew 77.55% on the previous quarter. Total operating income grew 6.53% on the previous quarter. Profit in Q4 2081/82, the same quarter a year earlier, was Rs. 231.01 crore. Profit fell 46.56% on the same quarter last year. Total operating income fell 29.78% on the same quarter last year.

ADBL annual results 2082/83

For the financial year 2082/83 Agricultural Development Bank Limited reported net profit of Rs. 263.37 crore, total operating income of Rs. 1,122.57 crore and net worth of Rs. 3,885.77 crore. Net profit in 2081/82 was Rs. 373.85 crore. Net profit fell 29.55% on the year. Total operating income fell 5.41% on the year.

ADBL profit and loss for 2082/83

In the financial year 2082/83, Agricultural Development Bank Limited reported net interest income of Rs. 912.21 crore, net fee and commission income of Rs. 171.61 crore, net trading income of Rs. 15.19 crore, other operating income of Rs. 23.56 crore, total operating income of Rs. 1,122.57 crore, impairment charge/(reversal) of Rs. 117.27 crore, net operating income of Rs. 1,005.3 crore, operating expenses of Rs. 610.81 crore, operating profit of Rs. 394.5 crore, non-operating income/(expense) of Rs. 0.49 crore, profit before income tax of Rs. 394.99 crore, income tax expense of Rs. 131.62 crore and profit for the year of Rs. 263.37 crore.

Reported under net interest income: interest income of Rs. 2,097.51 crore and interest expense of Rs. 1,185.3 crore. Reported under net fee and commission income: fee and commission income of Rs. 179.23 crore and fee and commission expense of Rs. 7.63 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 451.28 crore, other operating expenses of Rs. 118.88 crore and depreciation & amortisation of Rs. 40.65 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.49 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 102.86 crore and deferred tax of Rs. 28.76 crore.

ADBL profit and loss for 2081/82

In the financial year 2081/82, Agricultural Development Bank Limited reported net interest income of Rs. 982.52 crore, net fee and commission income of Rs. 133.97 crore, net trading income of Rs. 57.51 crore, other operating income of Rs. 12.79 crore, total operating income of Rs. 1,186.79 crore, impairment charge/(reversal) of Rs. 63.08 crore, net operating income of Rs. 1,123.71 crore, operating expenses of Rs. 601.82 crore, operating profit of Rs. 521.89 crore, non-operating income/(expense) of Rs. 0.94 crore, profit before income tax of Rs. 522.83 crore, income tax expense of Rs. 148.98 crore and profit for the year of Rs. 373.85 crore.

Reported under net interest income: interest income of Rs. 2,282.62 crore and interest expense of Rs. 1,300.1 crore. Reported under net fee and commission income: fee and commission income of Rs. 162.84 crore and fee and commission expense of Rs. 28.87 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 455.08 crore, other operating expenses of Rs. 103.12 crore and depreciation & amortisation of Rs. 43.62 crore. Reported under non-operating income/(expense): non-operating income of Rs. 1.65 crore and non-operating expense of Rs. 0.71 crore. Reported under income tax expense: current tax of Rs. 145.08 crore and deferred tax of Rs. 3.91 crore.

ADBL profit and loss for 2080/81

In the financial year 2080/81, Agricultural Development Bank Limited reported net interest income of Rs. 1,055.42 crore, net fee and commission income of Rs. 143.96 crore, net trading income of Rs. 5.44 crore, other operating income of Rs. 16.94 crore, total operating income of Rs. 1,221.77 crore, impairment charge/(reversal) of Rs. 245.22 crore, net operating income of Rs. 976.55 crore, operating expenses of Rs. 563.42 crore, operating profit of Rs. 413.13 crore, non-operating income/(expense) of Rs. 3.57 crore, profit before income tax of Rs. 409.56 crore, income tax expense of Rs. 120.1 crore and profit for the year of Rs. 289.47 crore.

Reported under net interest income: interest income of Rs. 2,757.15 crore and interest expense of Rs. 1,701.73 crore. Reported under net fee and commission income: fee and commission income of Rs. 167.24 crore and fee and commission expense of Rs. 23.28 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 416.18 crore, other operating expenses of Rs. 99.58 crore and depreciation & amortisation of Rs. 47.66 crore. Reported under non-operating income/(expense): non-operating income of Rs. 1.13 crore and non-operating expense of Rs. 4.7 crore. Reported under income tax expense: current tax of Rs. 114.97 crore and deferred tax of Rs. 5.13 crore.

ADBL balance sheet for 2081/82

In the financial year 2081/82, Agricultural Development Bank Limited reported total assets of Rs. 36,184.66 crore, total liabilities of Rs. 32,298.89 crore and total equity of Rs. 3,885.77 crore.

Reported under total assets: cash and cash equivalents of Rs. 462.1 crore, due from nepal rastra bank of Rs. 2,280.31 crore, placement with banks and fis of Rs. 1,002.4 crore, derivative financial instruments of Rs. 1.18 crore, other trading assets of Rs. 145.58 crore, loans and advances to banks and fis of Rs. 290.04 crore, loans and advances to customers of Rs. 21,261.67 crore, investment securities of Rs. 9,666.64 crore, current tax assets of Rs. 1.82 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investment property of Rs. 130.62 crore, property and equipment of Rs. 245.28 crore, goodwill and intangible assets of Rs. 2.31 crore, deferred tax assets of Rs. 0 crore and other assets of Rs. 694.68 crore. Reported under total liabilities: due to banks and fis of Rs. 78.67 crore, due to nepal rastra bank of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, deposits from customers of Rs. 29,335.87 crore, borrowings of Rs. 280.47 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 45.43 crore, other liabilities of Rs. 510.27 crore, debt securities issued of Rs. 2,048.18 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 1,928.79 crore, share premium of Rs. 0 crore, retained earnings of Rs. 285.52 crore, reserves of Rs. 1,669.68 crore and non controlling interest of Rs. 1.77 crore.

ADBL balance sheet for 2080/81

In the financial year 2080/81, Agricultural Development Bank Limited reported total assets of Rs. 31,168.47 crore, total liabilities of Rs. 27,529.98 crore and total equity of Rs. 3,638.49 crore.

Reported under total assets: cash and cash equivalents of Rs. 507.43 crore, due from nepal rastra bank of Rs. 1,521.28 crore, placement with banks and fis of Rs. 521.43 crore, derivative financial instruments of Rs. 1 crore, other trading assets of Rs. 127.48 crore, loans and advances to banks and fis of Rs. 320.22 crore, loans and advances to customers of Rs. 20,361.29 crore, investment securities of Rs. 6,888.99 crore, current tax assets of Rs. 13.88 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investment property of Rs. 94.31 crore, property and equipment of Rs. 224.08 crore, goodwill and intangible assets of Rs. 6.2 crore, deferred tax assets of Rs. 0 crore and other assets of Rs. 580.89 crore. Reported under total liabilities: due to banks and fis of Rs. 19.7 crore, due to nepal rastra bank of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, deposits from customers of Rs. 24,361.37 crore, borrowings of Rs. 266.46 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 37.81 crore, other liabilities of Rs. 796.95 crore, debt securities issued of Rs. 2,047.7 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 1,888.44 crore, share premium of Rs. 0 crore, retained earnings of Rs. 220.02 crore, reserves of Rs. 1,528.38 crore and non controlling interest of Rs. 1.66 crore.

ADBL balance sheet for 2079/80

In the financial year 2079/80, Agricultural Development Bank Limited reported total assets of Rs. 26,592.92 crore, total liabilities of Rs. 23,192.63 crore and total equity of Rs. 3,400.29 crore.

Reported under total assets: cash and cash equivalents of Rs. 946.31 crore, due from nepal rastra bank of Rs. 1,289.89 crore, placement with banks and fis of Rs. 0 crore, derivative financial instruments of Rs. 1.76 crore, other trading assets of Rs. 101.44 crore, loans and advances to banks and fis of Rs. 413.45 crore, loans and advances to customers of Rs. 17,630.36 crore, investment securities of Rs. 5,181.89 crore, current tax assets of Rs. 27.83 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investment property of Rs. 24.86 crore, property and equipment of Rs. 229.34 crore, goodwill and intangible assets of Rs. 13.86 crore, deferred tax assets of Rs. 0 crore and other assets of Rs. 731.93 crore. Reported under total liabilities: due to banks and fis of Rs. 209.59 crore, due to nepal rastra bank of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, deposits from customers of Rs. 19,946.71 crore, borrowings of Rs. 213.66 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 54.55 crore, other liabilities of Rs. 720.77 crore, debt securities issued of Rs. 2,047.35 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 1,888.44 crore, share premium of Rs. 0 crore, retained earnings of Rs. 131.1 crore, reserves of Rs. 1,379.06 crore and non controlling interest of Rs. 1.69 crore.

ADBL cash flow for 2081/82

In the financial year 2081/82, Agricultural Development Bank Limited reported net cash flow from operating activities (a) of Rs. 2,846.78 crore, net cash flow from investing activities (b) of Rs. 2,804.02 crore, net cash flow from financing activities (c) of Rs. 88.09 crore, net increase/(decrease) in cash and cash equivalents of Rs. 45.33 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 507.43 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. 462.1 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 2,337.5 crore, fees and other income received of Rs. 162.84 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 66.66 crore, interest paid of Rs. 1,314.06 crore, commission and fees paid of Rs. 28.39 crore, cash payment to employees of Rs. 466.81 crore, other expense paid of Rs. 103.83 crore, operating cash flows before changes in operating assets and liabilities of Rs. 653.91 crore, due from nepal rastra bank of Rs. 759.04 crore, placement with banks and financial institutions of Rs. 480.97 crore, other trading assets of Rs. 18.26 crore, loan and advances to banks and financial institutions of Rs. 30.48 crore, loan and advances to customers of Rs. 1,054.95 crore, other assets of Rs. 113.97 crore, due to banks and financial institutions of Rs. 58.97 crore, due to nepal rastra bank of Rs. 0 crore, deposit from customers of Rs. 4,974.51 crore, borrowings of Rs. 14.01 crore, other liabilities of Rs. 324.88 crore, net cash flow from operating activities before tax paid of Rs. 2,979.8 crore and income taxes paid of Rs. 133.02 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 2,794.21 crore, receipts from sale of investment securities of Rs. 45.84 crore, purchase of property and equipment of Rs. 60.72 crore, receipt from sale of property and equipment of Rs. 0 crore, purchase of intangible assets of Rs. 0.22 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. 0 crore and dividend received of Rs. 5.29 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. 88.09 crore, interest paid of Rs. 0 crore and other receipt/payment of Rs. 0 crore.

ADBL cash flow for 2080/81

In the financial year 2080/81, Agricultural Development Bank Limited reported net cash flow from operating activities (a) of Rs. 1,353.27 crore, net cash flow from investing activities (b) of Rs. 1,785.75 crore, net cash flow from financing activities (c) of Rs. 6.39 crore, net increase/(decrease) in cash and cash equivalents of Rs. 438.87 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 946.31 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. 507.43 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 2,675.91 crore, fees and other income received of Rs. 167.24 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 18.88 crore, interest paid of Rs. 1,711.63 crore, commission and fees paid of Rs. 22.93 crore, cash payment to employees of Rs. 435.57 crore, other expense paid of Rs. 104.29 crore, operating cash flows before changes in operating assets and liabilities of Rs. 587.61 crore, due from nepal rastra bank of Rs. 231.39 crore, placement with banks and financial institutions of Rs. 521.43 crore, other trading assets of Rs. 25.9 crore, loan and advances to banks and financial institutions of Rs. 94.37 crore, loan and advances to customers of Rs. 2,965.49 crore, other assets of Rs. 151.8 crore, due to banks and financial institutions of Rs. 189.89 crore, due to nepal rastra bank of Rs. 0 crore, deposit from customers of Rs. 4,414.65 crore, borrowings of Rs. 52.8 crore, other liabilities of Rs. 87.16 crore, net cash flow from operating activities before tax paid of Rs. 1,454.29 crore and income taxes paid of Rs. 101.02 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 1,763.44 crore, receipts from sale of investment securities of Rs. 7.78 crore, purchase of property and equipment of Rs. 34.51 crore, receipt from sale of property and equipment of Rs. 0 crore, purchase of intangible assets of Rs. 0.23 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. 0 crore and dividend received of Rs. 4.65 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. 6.39 crore, interest paid of Rs. 0 crore and other receipt/payment of Rs. 0 crore.

ADBL cash flow for 2079/80

In the financial year 2079/80, Agricultural Development Bank Limited reported net cash flow from operating activities (a) of Rs. 1,464.79 crore, net cash flow from investing activities (b) of Rs. 1,015.67 crore, net cash flow from financing activities (c) of Rs. 158.87 crore, net increase/(decrease) in cash and cash equivalents of Rs. 290.25 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 656.05 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. 946.31 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 2,334.96 crore, fees and other income received of Rs. 137.19 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 31.79 crore, interest paid of Rs. 1,556.69 crore, commission and fees paid of Rs. 20.92 crore, cash payment to employees of Rs. 417.17 crore, other expense paid of Rs. 102.28 crore, operating cash flows before changes in operating assets and liabilities of Rs. 406.89 crore, due from nepal rastra bank of Rs. 88.75 crore, placement with banks and financial institutions of Rs. 12.79 crore, other trading assets of Rs. 34.73 crore, loan and advances to banks and financial institutions of Rs. 1.1 crore, loan and advances to customers of Rs. 384.32 crore, other assets of Rs. 228.11 crore, due to banks and financial institutions of Rs. 590.28 crore, due to nepal rastra bank of Rs. 977.71 crore, deposit from customers of Rs. 3,289.63 crore, borrowings of Rs. 35.94 crore, other liabilities of Rs. 70.41 crore, net cash flow from operating activities before tax paid of Rs. 1,580.1 crore and income taxes paid of Rs. 115.31 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 974.95 crore, receipts from sale of investment securities of Rs. 0 crore, purchase of property and equipment of Rs. 45.73 crore, receipt from sale of property and equipment of Rs. 0 crore, purchase of intangible assets of Rs. 0.47 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. 0 crore and dividend received of Rs. 5.48 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. 158.87 crore, interest paid of Rs. 0 crore and other receipt/payment of Rs. 0 crore.

ADBL quarterly for Q4 2082/83

In the quarter Q4 2082/83, Agricultural Development Bank Limited reported net interest income of Rs. 248.72 crore, net fee and commission income of Rs. 51.63 crore, net trading income of Rs. 22.23 crore, other operating income of Rs. 12.77 crore, total operating income of Rs. 309.81 crore, impairment charge/(reversal) of Rs. 79.28 crore, net operating income of Rs. 389.09 crore, operating expenses of Rs. 207.13 crore, operating profit of Rs. 181.96 crore, non-operating income/(expense) of Rs. 0.78 crore, profit before income tax of Rs. 181.17 crore, income tax expense of Rs. 57.74 crore and profit for the year of Rs. 123.44 crore.

Reported under net interest income: interest income of Rs. 552.8 crore and interest expense of Rs. 304.08 crore. Reported under net fee and commission income: fee and commission income of Rs. 55.3 crore and fee and commission expense of Rs. 3.67 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 161.85 crore, other operating expenses of Rs. 37.34 crore and depreciation & amortisation of Rs. 7.95 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.78 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 26.53 crore and deferred tax of Rs. 31.21 crore.

ADBL quarterly for Q3 2082/83

In the quarter Q3 2082/83, Agricultural Development Bank Limited reported net interest income of Rs. 211.65 crore, net fee and commission income of Rs. 57.56 crore, net trading income of Rs. 5.01 crore, other operating income of Rs. 16.6 crore, total operating income of Rs. 290.82 crore, impairment charge/(reversal) of Rs. 33.61 crore, net operating income of Rs. 257.21 crore, operating expenses of Rs. 145.17 crore, operating profit of Rs. 112.04 crore, non-operating income/(expense) of Rs. 1.14 crore, profit before income tax of Rs. 113.18 crore, income tax expense of Rs. 43.65 crore and profit for the year of Rs. 69.52 crore.

Reported under net interest income: interest income of Rs. 498.64 crore and interest expense of Rs. 286.99 crore. Reported under net fee and commission income: fee and commission income of Rs. 50.57 crore and fee and commission expense of Rs. 6.99 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 97.26 crore, other operating expenses of Rs. 37.03 crore and depreciation & amortisation of Rs. 10.88 crore. Reported under non-operating income/(expense): non-operating income of Rs. 1.14 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 42.27 crore and deferred tax of Rs. 1.38 crore.

ADBL quarterly for Q2 2082/83

In the quarter Q2 2082/83, Agricultural Development Bank Limited reported net interest income of Rs. 209.39 crore, net fee and commission income of Rs. 31.61 crore, net trading income of Rs. 4.79 crore, other operating income of Rs. 14.15 crore, total operating income of Rs. 259.93 crore, impairment charge/(reversal) of Rs. 16.55 crore, net operating income of Rs. 243.38 crore, operating expenses of Rs. 136.11 crore, operating profit of Rs. 107.27 crore, non-operating income/(expense) of Rs. 0.12 crore, profit before income tax of Rs. 107.39 crore, income tax expense of Rs. 37.23 crore and profit for the year of Rs. 70.16 crore.

Reported under net interest income: interest income of Rs. 496.48 crore and interest expense of Rs. 287.09 crore. Reported under net fee and commission income: fee and commission income of Rs. 41.74 crore and fee and commission expense of Rs. 10.13 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 102.8 crore, other operating expenses of Rs. 17.91 crore and depreciation & amortisation of Rs. 15.39 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.12 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 34.02 crore and deferred tax of Rs. 3.2 crore.

ADBL quarterly for Q1 2082/83

In the quarter Q1 2082/83, Agricultural Development Bank Limited reported net interest income of Rs. 242.45 crore, net fee and commission income of Rs. 30.8 crore, net trading income of Rs. 16.83 crore, other operating income of Rs. 5.59 crore, total operating income of Rs. 262.01 crore, impairment charge/(reversal) of Rs. 146.39 crore, net operating income of Rs. 115.63 crore, operating expenses of Rs. 122.4 crore, operating profit of Rs. 6.77 crore, non-operating income/(expense) of Rs. 0.01 crore, profit before income tax of Rs. 6.75 crore, income tax expense of Rs. 6.99 crore and profit for the year of Rs. 0.24 crore.

Reported under net interest income: interest income of Rs. 549.59 crore and interest expense of Rs. 307.14 crore. Reported under net fee and commission income: fee and commission income of Rs. 31.62 crore and fee and commission expense of Rs. 0.82 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 89.37 crore, other operating expenses of Rs. 26.6 crore and depreciation & amortisation of Rs. 6.42 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.01 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 0.04 crore and deferred tax of Rs. 7.03 crore.

ADBL Profit & Loss

Values in Rs. Crore unless stated otherwise.

ADBL Balance Sheet

Values in Rs. Crore unless stated otherwise.

ADBL Cash Flow

Values in Rs. Crore unless stated otherwise.

ADBL Quarterly Results

Values in Rs. Crore unless stated otherwise.

Agricultural Development Bank share price history

Over the last 15 trading sessions ADBL closed between Rs. 307.50 and Rs. 317.80, finishing at Rs. 317.80 on 2026-10-12 against Rs. 314.00 on 2026-09-18.

ADBL share price by year

2026, between Rs. 288.30 and Rs. 340.00, 2025, between Rs. 263.73 and Rs. 334.04, 2024, between Rs. 209.69 and Rs. 402.83, 2023, between Rs. 210.63 and Rs. 328.00, 2022, between Rs. 274.72 and Rs. 413.00 and 2021, between Rs. 305.76 and Rs. 476.30.

Agricultural Development Bank share price returns

At Rs. 317.80 on 2026-10-12, ADBL is up 3.05% over 1 week, up 5.93% over 1 month, up 4.88% over 3 months, down 1.30% over 6 months, up 6.64% over 1 year and down 18.73% over 5 years. Each return compares that close with the last close on or before the same date in the earlier period.

ADBL floorsheet for 2026-10-12

ADBL traded 337 times on 2026-10-12, moving 1,01,952 shares for Rs. 3.24 crore of turnover. Trades went through between Rs. 310.00 and Rs. 320.70.

Largest buyers by volume: broker 29, Trishul Securities And Investment Limited on 21,997 shares across 71 trades, broker 33, Dakshinkali Investment Securities Pvt.Limited on 20,100 shares across 30 trades, broker 42, Sani Securities Company Limited on 9,352 shares across 30 trades, broker 17, ABC Securities Pvt. Limited on 7,912 shares across 26 trades, broker 94, K.B.L. Securities Limited on 6,333 shares across 21 trades, broker 45, Imperial Securities Co. Limited on 5,199 shares across 32 trades, broker 85, Capital Hub P. Ltd on 5,028 shares across 5 trades, broker 38, Dipshika Dhitopatra Karobar Co. Pvt.Limited on 3,200 shares across 3 trades, broker 41, Linch Stock Market Limited on 3,063 shares across 8 trades and broker 10, Pragyan Securities Pvt. Limited on 2,888 shares across 9 trades.

Largest sellers by volume: broker 20, Sipla Securities Pvt. Limited on 15,050 shares across 2 trades, broker 14, Nepal Stock House Pvt. Limited on 14,307 shares across 34 trades, broker 40, Creative Securities Pvt.Limited on 7,917 shares across 8 trades, broker 42, Sani Securities Company Limited on 7,905 shares across 26 trades, broker 45, Imperial Securities Co. Limited on 7,626 shares across 13 trades, broker 58, Naasa Securities Co. Ltd. on 5,179 shares across 33 trades, broker 36, Secured Securities Limited on 4,080 shares across 14 trades, broker 35, Kohinoor Investment and Securities Pvt.Ltd on 3,536 shares across 7 trades, broker 6, Agrawal Securities Pvt. Limited on 3,472 shares across 12 trades and broker 49, Online Securities Limited on 2,896 shares across 13 trades.

ADBL dividend history: bonus shares and cash dividend

Agricultural Development Bank Limited most recently declared a 3.25% bonus share issue and a 9.75% cash dividend, 13% in total for 2081/2082, announced on 2025-11-21. Percentages are of paid up value. Declared, not necessarily paid: a dividend is subject to the annual general meeting approving it.

For 2081/2082 Agricultural Development Bank Limited declared a 3.25% bonus share issue and a 9.75% cash dividend, 13% in total, announced on 2025-11-21.

For 2080/2081 Agricultural Development Bank Limited declared a 3% bonus share issue and a 7.53% cash dividend, 10.53% in total, announced on 2024-12-23.

For 2078/2079 Agricultural Development Bank Limited declared a 2% bonus share issue and an 11% cash dividend, 13% in total, announced on 2023-03-02.

For 2077/2078 Agricultural Development Bank Limited declared a 20% bonus share issue, announced on 2021-12-23.

ADBL general meetings

Annual and special general meetings Agricultural Development Bank Limited has called. A dividend is declared by the board and approved at the AGM.

• 19th AGM for 2081/2082: on 2025-12-15, at Agriculture Development Bank Central Training Centre, Bode, Bhaktapur (11:00 AM)
• 18th AGM for 2080/2081: on 2025-01-13, at Agriculture Development Bank Central Training Centre, Bode, Bhaktapur (11:00 AM)
• 17th AGM for 2079/2080: on 2024-03-13, at Agriculture Development Bank Central Training Centre, Bhaktapur (11:00 AM)

4 years of annual statements and 8 quarters of results for ADBL, with charts and peer comparison, are free on NepView.

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