Agricultural Development Bank Limited (ADBL) Share Price & Fundamentals
Agricultural Development Bank (ADBL) share price is Rs. 313.90, down 0.03% on 2026-09-22. Open Rs. 316.00. High Rs. 317.00. Low Rs. 311.90. Volume 86,402.
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.
| Particulars | 2082/83 | 2081/82 | 2080/81 | 2079/80 |
|---|
| Net Interest Income | 912 | 983 | 1,055 | 820 |
|---|
| Interest Income | 2,098 | 2,283 | 2,757 | 2,395 |
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| Interest Expense | -1,185 | -1,300 | -1,702 | -1,575 |
|---|
| Net Fee and Commission Income | 172 | 134 | 144 | 116 |
|---|
| Fee and Commission Income | 179 | 163 | 167 | 137 |
|---|
| Fee and Commission Expense | -7.6 | -28.9 | -23.3 | -21.4 |
|---|
| Net Trading Income | 15.2 | 57.5 | 5.4 | 13.9 |
|---|
| Other Operating Income | 23.6 | 12.8 | 16.9 | 22.9 |
|---|
| Total Operating Income | 1,123 | 1,187 | 1,222 | 972 |
|---|
| Impairment Charge/(Reversal) | -117 | -63.1 | -245 | -146 |
|---|
| Net Operating Income | 1,005 | 1,124 | 977 | 827 |
|---|
| Operating Expenses | -611 | -602 | -563 | -511 |
|---|
| Operating Expense - Personnel Expenses | -451 | -455 | -416 | -362 |
|---|
| Other Operating Expenses | -119 | -103 | -99.6 | -99.6 |
|---|
| Depreciation & Amortisation | -40.6 | -43.6 | -47.7 | -48.7 |
|---|
| Operating Profit | 394 | 522 | 413 | 316 |
|---|
| Non-Operating Income/(Expense) | 0.49 | 0.94 | -3.6 | -2.2 |
|---|
| Non-Operating Income | 0.49 | 1.7 | 1.1 | 0.47 |
|---|
| Non-Operating Expense | 0.00 | -0.71 | -4.7 | -2.6 |
|---|
| Profit Before Income Tax | 395 | 523 | 410 | 314 |
|---|
| Income Tax Expense | -132 | -149 | -120 | -180 |
|---|
| Current Tax | -103 | -145 | -115 | -163 |
|---|
| Deferred Tax | -28.8 | -3.9 | -5.1 | -16.3 |
|---|
| Profit for the Year | 263 | 374 | 289 | 134 |
|---|
ADBL Balance Sheet
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 |
|---|
| Total Assets | 36,185 | 31,168 | 26,593 |
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| Cash and Cash Equivalents | 462 | 507 | 946 |
|---|
| Due from Nepal Rastra Bank | 2,280 | 1,521 | 1,290 |
|---|
| Placement with Banks and FIs | 1,002 | 521 | 0.00 |
|---|
| Derivative Financial Instruments | 1.2 | 1.00 | 1.8 |
|---|
| Other Trading Assets | 146 | 127 | 101 |
|---|
| Loans and Advances to Banks and FIs | 290 | 320 | 413 |
|---|
| Loans and Advances to Customers | 21,262 | 20,361 | 17,630 |
|---|
| Investment Securities | 9,667 | 6,889 | 5,182 |
|---|
| Current Tax Assets | 1.8 | 13.9 | 27.8 |
|---|
| Investment in Subsidiaries | 0.00 | 0.00 | 0.00 |
|---|
| Investment in Associates | 0.00 | 0.00 | 0.00 |
|---|
| Investment Property | 131 | 94.3 | 24.9 |
|---|
| Property and Equipment | 245 | 224 | 229 |
|---|
| Goodwill and Intangible Assets | 2.3 | 6.2 | 13.9 |
|---|
| Deferred Tax Assets | 0.00 | 0.00 | 0.00 |
|---|
| Other Assets | 695 | 581 | 732 |
|---|
| Total Liabilities | 32,299 | 27,530 | 23,193 |
|---|
| Due to Banks and FIs | 78.7 | 19.7 | 210 |
|---|
| Due to Nepal Rastra Bank | 0.00 | 0.00 | 0.00 |
|---|
| Derivative Financial Instruments | 0.00 | 0.00 | 0.00 |
|---|
| Deposits from Customers | 29,336 | 24,361 | 19,947 |
|---|
| Borrowings | 280 | 266 | 214 |
|---|
| Current Tax Liabilities | 0.00 | 0.00 | 0.00 |
|---|
| Provisions | 0.00 | 0.00 | 0.00 |
|---|
| Deferred Tax Liabilities | 45.4 | 37.8 | 54.5 |
|---|
| Other Liabilities | 510 | 797 | 721 |
|---|
| Debt Securities Issued | 2,048 | 2,048 | 2,047 |
|---|
| Subordinated Liabilities | 0.00 | 0.00 | 0.00 |
|---|
| Total Equity | 3,886 | 3,638 | 3,400 |
|---|
| Share Capital | 1,929 | 1,888 | 1,888 |
|---|
| Share Premium | 0.00 | 0.00 | 0.00 |
|---|
| Retained Earnings | 286 | 220 | 131 |
|---|
| Reserves | 1,670 | 1,528 | 1,379 |
|---|
| Non Controlling Interest | 1.8 | 1.7 | 1.7 |
|---|
ADBL Cash Flow
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 |
|---|
| Net Cash Flow from Operating Activities (A) | 2,847 | 1,353 | 1,465 |
|---|
| Interest Received | 2,337 | 2,676 | 2,335 |
|---|
| Fees and Other Income Received | 163 | 167 | 137 |
|---|
| Dividend Received | 0.00 | 0.00 | 0.00 |
|---|
| Receipts from Other Operating Activities | 66.7 | 18.9 | 31.8 |
|---|
| Interest Paid | -1,314 | -1,712 | -1,557 |
|---|
| Commission and Fees Paid | -28.4 | -22.9 | -20.9 |
|---|
| Cash Payment to Employees | -467 | -436 | -417 |
|---|
| Other Expense Paid | -104 | -104 | -102 |
|---|
| Operating Cash Flows Before Changes in Operating Assets and Liabilities | 654 | 588 | 407 |
|---|
| Due from Nepal Rastra Bank | -759 | -231 | -88.8 |
|---|
| Placement with Banks and Financial Institutions | -481 | -521 | 12.8 |
|---|
| Other Trading Assets | -18.3 | -25.9 | 34.7 |
|---|
| Loan and Advances to Banks and Financial Institutions | 30.5 | 94.4 | -1.1 |
|---|
| Loan and Advances to Customers | -1,055 | -2,965 | -384 |
|---|
| Other Assets | -114 | 152 | -228 |
|---|
| Due to Banks and Financial Institutions | 59.0 | -190 | -590 |
|---|
| Due to Nepal Rastra Bank | 0.00 | 0.00 | -978 |
|---|
| Deposit from Customers | 4,975 | 4,415 | 3,290 |
|---|
| Borrowings | 14.0 | 52.8 | 35.9 |
|---|
| Other Liabilities | -325 | 87.2 | 70.4 |
|---|
| Net Cash Flow from Operating Activities Before Tax Paid | 2,980 | 1,454 | 1,580 |
|---|
| Income Taxes Paid | -133 | -101 | -115 |
|---|
| Net Cash Flow from Investing Activities (B) | -2,804 | -1,786 | -1,016 |
|---|
| Purchase of Investment Securities | -2,794 | -1,763 | -975 |
|---|
| Receipts from Sale of Investment Securities | 45.8 | 7.8 | 0.00 |
|---|
| Purchase of Property and Equipment | -60.7 | -34.5 | -45.7 |
|---|
| Receipt from Sale of Property and Equipment | 0.00 | 0.00 | 0.00 |
|---|
| Purchase of Intangible Assets | -0.22 | -0.23 | -0.47 |
|---|
| Receipt from Sale of Intangible Assets | 0.00 | 0.00 | 0.00 |
|---|
| Purchase of Investment Properties | 0.00 | 0.00 | 0.00 |
|---|
| Receipt from Sale of Investment Properties | 0.00 | 0.00 | 0.00 |
|---|
| Interest Received | 0.00 | 0.00 | 0.00 |
|---|
| Dividend Received | 5.3 | 4.6 | 5.5 |
|---|
| Net Cash Flow from Financing Activities (C) | -88.1 | -6.4 | -159 |
|---|
| Receipt from Issue of Debt Securities | 0.00 | 0.00 | 0.00 |
|---|
| Repayment of Debt Securities | 0.00 | 0.00 | 0.00 |
|---|
| Receipt from Issue of Subordinated Liabilities | 0.00 | 0.00 | 0.00 |
|---|
| Repayment of Subordinated Liabilities | 0.00 | 0.00 | 0.00 |
|---|
| Receipt from Issue of Shares | 0.00 | 0.00 | 0.00 |
|---|
| Dividends Paid | -88.1 | -6.4 | -159 |
|---|
| Interest Paid | 0.00 | 0.00 | 0.00 |
|---|
| Other Receipt/Payment | 0.00 | 0.00 | 0.00 |
|---|
| Net Increase/(Decrease) in Cash and Cash Equivalents | -45.3 | -439 | 290 |
|---|
| Cash and Cash Equivalents at Shrawan 01 (Beginning of the Year) | 507 | 946 | 656 |
|---|
| Effect of Exchange Rate Fluctuations on Cash and Cash Equivalents Held | 0.00 | 0.00 | 0.00 |
|---|
| Cash and Cash Equivalents at Ashadh End | 462 | 507 | 946 |
|---|
ADBL 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 |
|---|
| Net Interest Income | 249 | 212 | 209 | 242 | 383 | 251 | 194 | 154 |
|---|
| Interest Income | 553 | 499 | 496 | 550 | 669 | 560 | 525 | 528 |
|---|
| Interest Expense | -304 | -287 | -287 | -307 | -287 | -309 | -331 | -374 |
|---|
| Net Fee and Commission Income | 51.6 | 57.6 | 31.6 | 30.8 | 27.7 | 44.1 | 27.7 | 34.1 |
|---|
| Fee and Commission Income | 55.3 | 50.6 | 41.7 | 31.6 | 52.7 | 39.9 | 34.4 | 35.5 |
|---|
| Fee and Commission Expense | -3.7 | 7.0 | -10.1 | -0.82 | -25.0 | 4.2 | -6.7 | -1.5 |
|---|
| Net Trading Income | 22.2 | 5.0 | 4.8 | -16.8 | 29.0 | 7.4 | -11.4 | 34.0 |
|---|
| Other Operating Income | -12.8 | 16.6 | 14.1 | 5.6 | 1.7 | -30.6 | 28.5 | 26.4 |
|---|
| Total Operating Income | 310 | 291 | 260 | 262 | 441 | 272 | 239 | 249 |
|---|
| Impairment Charge/(Reversal) | 79.3 | -33.6 | -16.6 | -146 | 81.1 | -5.9 | 4.5 | -90.2 |
|---|
| Net Operating Income | 389 | 257 | 243 | 116 | 522 | 266 | 243 | 159 |
|---|
| Operating Expenses | -207 | -145 | -136 | -122 | -197 | -141 | -139 | -128 |
|---|
| Operating Expense - Personnel Expenses | -162 | -97.3 | -103 | -89.4 | -169 | -100 | -97.9 | -90.9 |
|---|
| Other Operating Expenses | -37.3 | -37.0 | -17.9 | -26.6 | -19.4 | -28.7 | -29.0 | -25.5 |
|---|
| Depreciation & Amortisation | -7.9 | -10.9 | -15.4 | -6.4 | -8.6 | -11.7 | -11.7 | -11.7 |
|---|
| Operating Profit | 182 | 112 | 107 | -6.8 | 325 | 125 | 105 | 30.7 |
|---|
| Non-Operating Income/(Expense) | -0.78 | 1.1 | 0.12 | 0.01 | 0.15 | 0.07 | 0.02 | 0.01 |
|---|
| Non-Operating Income | -0.78 | 1.1 | 0.12 | 0.01 | 0.15 | 0.07 | -0.34 | 0.37 |
|---|
| Non-Operating Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.36 | -0.36 |
|---|
| Profit Before Income Tax | 181 | 113 | 107 | -6.8 | 325 | 125 | 105 | 30.7 |
|---|
| Income Tax Expense | -57.7 | -43.7 | -37.2 | 7.0 | -94.0 | -36.5 | -28.2 | -11.0 |
|---|
| Current Tax | -26.5 | -42.3 | -34.0 | -0.04 | -94.7 | -35.4 | -32.2 | -1.5 |
|---|
| Deferred Tax | -31.2 | -1.4 | -3.2 | 7.0 | 0.70 | -1.2 | 3.9 | -9.4 |
|---|
| Profit for the Year | 123 | 69.5 | 70.2 | 0.24 | 231 | 88.8 | 76.5 | 19.7 |
|---|
Agricultural Development Bank share price history
Over the last 15 trading sessions ADBL closed between Rs. 295.50 and Rs. 314.00, finishing at Rs. 313.90 on 2026-09-22 against Rs. 296.00 on 2026-08-26.
| Date | Open | High | Low | Close | Volume |
|---|
| 2026-09-22 | 316.00 | 317.00 | 311.90 | 313.90 | 86,402 |
|---|
| 2026-09-18 | 308.00 | 315.00 | 305.00 | 314.00 | 1,03,595 |
|---|
| 2026-09-17 | 306.00 | 309.80 | 305.00 | 308.70 | 90,092 |
|---|
| 2026-09-16 | 302.00 | 309.90 | 298.00 | 305.00 | 23,508 |
|---|
| 2026-09-15 | 317.00 | 317.00 | 303.00 | 308.00 | 71,582 |
|---|
| 2026-09-14 | 300.00 | 303.00 | 298.00 | 302.00 | 23,638 |
|---|
| 2026-09-11 | 298.00 | 300.00 | 298.00 | 300.00 | 15,444 |
|---|
| 2026-09-10 | 300.00 | 300.00 | 296.50 | 297.90 | 6,851 |
|---|
| 2026-09-09 | 299.00 | 301.00 | 297.60 | 299.00 | 22,639 |
|---|
| 2026-09-07 | 311.80 | 311.80 | 295.10 | 300.00 | 28,634 |
|---|
| 2026-09-03 | 299.00 | 299.80 | 296.00 | 297.00 | 9,898 |
|---|
| 2026-09-02 | 311.80 | 311.80 | 295.00 | 296.60 | 14,551 |
|---|
| 2026-09-01 | 295.50 | 299.00 | 293.10 | 297.00 | 19,954 |
|---|
| 2026-08-31 | 305.00 | 305.00 | 291.20 | 295.50 | 16,748 |
|---|
| 2026-08-26 | 299.10 | 301.00 | 295.10 | 296.00 | 30,400 |
|---|
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.
| Year | Low (Rs.) | High (Rs.) | Sessions |
|---|
| 2026 | 288.30 | 340.00 | 168 |
|---|
| 2025 | 263.73 | 334.04 | 225 |
|---|
| 2024 | 209.69 | 402.83 | 232 |
|---|
| 2023 | 210.63 | 328.00 | 227 |
|---|
| 2022 | 274.72 | 413.00 | 242 |
|---|
| 2021 | 305.76 | 476.30 | 239 |
|---|
| 2020 | 209.09 | 384.78 | 184 |
|---|
| 2019 | 182.76 | 284.23 | 243 |
|---|
| 2018 | 168.26 | 227.11 | 234 |
|---|
| 2017 | 170.52 | 260.11 | 229 |
|---|
| 2016 | 132.24 | 320.12 | 232 |
|---|
| 2015 | 99.93 | 147.56 | 215 |
|---|
Agricultural Development Bank share price returns
At Rs. 313.90 on 2026-09-22, ADBL is up 1.92% over 1 week, up 4.29% over 1 month, up 2.01% over 3 months, down 5.76% over 6 months, up 2.24% over 1 year and down 25.03% 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 | +1.92% | 308.00 | 2026-09-15 |
|---|
| 1 month | +4.29% | 301.00 | 2026-08-21 |
|---|
| 3 months | +2.01% | 307.70 | 2026-06-24 |
|---|
| 6 months | -5.76% | 333.10 | 2026-03-26 |
|---|
| 1 year | +2.24% | 307.03 | 2025-09-21 |
|---|
| 5 years | -25.03% | 418.69 | 2021-09-23 |
|---|
ADBL floorsheet for 2026-09-22
ADBL traded 212 times on 2026-09-22, moving 85,925 shares for Rs. 2.69 crore of turnover. Trades went through between Rs. 305.00 and Rs. 317.00.
Largest buyers by volume: broker 43, South Asian Bulls Pvt.Limited on 20,000 shares across 8 trades, broker 33, Dakshinkali Investment Securities Pvt.Limited on 14,404 shares across 24 trades, broker 17, ABC Securities Pvt. Limited on 12,294 shares across 14 trades, broker 36, Secured Securities Limited on 8,500 shares across 21 trades, broker 34, Vision Securities Pvt.Limited on 4,307 shares across 15 trades, broker 58, Naasa Securities Co. Ltd. on 3,633 shares across 22 trades, broker 14, Nepal Stock House Pvt. Limited on 3,157 shares across 9 trades, broker 87, S.P.S.A. Securities Limited on 2,600 shares across 1 trades, broker 65, Sharepro Securities Private Limited on 2,304 shares across 10 trades and broker 40, Creative Securities Pvt.Limited on 2,050 shares across 5 trades.
Largest sellers by volume: broker 58, Naasa Securities Co. Ltd. on 40,236 shares across 54 trades, broker 49, Online Securities Limited on 13,798 shares across 22 trades, broker 52, Sundhara Securities Limited on 3,755 shares across 4 trades, broker 44, Dynamic Money Managers Securities Pvt.Ltd on 3,196 shares across 3 trades, broker 7, J.F. Securities Company Pvt. Limited on 2,624 shares across 3 trades, broker 40, Creative Securities Pvt.Limited on 2,369 shares across 5 trades, broker 14, Nepal Stock House Pvt. Limited on 2,131 shares across 4 trades, broker 54, Sewa Securities Pvt. Ltd. on 2,000 shares across 2 trades, broker 32, Premier Securites Company Limited on 1,958 shares across 3 trades and broker 33, Dakshinkali Investment Securities Pvt.Limited on 1,610 shares across 2 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.
| Financial year | Bonus share | Cash dividend | Announced |
|---|
| 2081/2082 | 3.25% | 9.75% | 2025-11-21 |
| 2080/2081 | 3% | 7.53% | 2024-12-23 |
| 2078/2079 | 2% | 11% | 2023-03-02 |
| 2077/2078 | 20% | | 2021-12-23 |
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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