Excel Development Bank (EDBL) share price is Rs. 569.50, up 1.15% on 2026-10-12. Open Rs. 563.10. High Rs. 576.00. Low Rs. 563.00. Volume 8,391.
Excel Development Bank Ltd. is a NEPSE-listed company (EDBL), Development Banks sector. Revenue: Rs. 76.24 Crore. Net profit: Rs. 30.94 Crore. Net worth: Rs. 193.86 Crore.
Excel Development Bank Limited is a Class 'B' development bank licensed by Nepal Rastra Bank, established in 2005 and listed on NEPSE in 2007. Headquartered in Birtamode, Jhapa, it operates under the tagline 'Your Local Partner' and serves eastern Nepal with deposit, credit, remittance and digital banking services for households, agriculture and small and medium enterprises. The bank has a paid-up capital of roughly NPR 1.25 billion. It has no subsidiaries and reports on a standalone basis.
Excel Development Bank Ltd. (EDBL) has 1,24,96,945 shares outstanding. It listed on NEPSE in 2007.
Company website: edb.com.np.
| Market Cap | Rs. 711.70 Crore |
|---|---|
| P/E Ratio | 163.63 |
| P/E Ratio (TTM) | 23.00 |
| EPS | Rs. 3.48 |
| EPS (TTM) | Rs. 24.76 |
| Book Value | Rs. 155.12 |
| Dividend Yield | 0.00% |
| Face Value | Rs. 100.00 |
| 52 Week High | Rs. 683.40 |
| 52 Week Low | Rs. 535.90 |
| Listed Since | 2007 |
What Excel Development Bank Ltd.'s own accounts show in its favour, graded against the rest of its sector.
What the same accounts show against it. Both lists are computed from the filed figures, not opinion, and are not advice.
In Q4 2082/83 Excel Development Bank Ltd. reported profit of Rs. 15.37 crore and total operating income of Rs. 27.56 crore. Profit in Q3 2082/83 was Rs. 6.72 crore. Profit grew 128.76% on the previous quarter. Total operating income grew 57.13% on the previous quarter. Profit in Q4 2081/82, the same quarter a year earlier, was Rs. 4.73 crore. Profit grew 225.02% on the same quarter last year. Total operating income grew 10.99% on the same quarter last year.
For the financial year 2082/83 Excel Development Bank Ltd. reported net profit of Rs. 30.94 crore, total operating income of Rs. 76.24 crore and net worth of Rs. 193.86 crore. Net profit in 2081/82 was Rs. 4.09 crore. Net profit grew 656.45% on the year. Total operating income grew 19.87% on the year.
In the financial year 2082/83, Excel Development Bank Ltd. reported net interest income of Rs. 64.88 crore, net fee and commission income of Rs. 9.56 crore, other operating income of Rs. 1.8 crore, total operating income of Rs. 76.24 crore, impairment charge/(reversal) of Rs. 19.43 crore, net operating income of Rs. 95.66 crore, operating expenses of Rs. 41.7 crore, operating profit of Rs. 53.96 crore, profit before income tax of Rs. 44.73 crore, income tax expense of Rs. 13.79 crore and profit for the year of Rs. 30.94 crore.
Reported under net interest income: interest income of Rs. 121.39 crore and interest expense of Rs. 56.51 crore. Reported under net fee and commission income: fee and commission income of Rs. 11.53 crore and fee and commission expense of Rs. 1.97 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 27.84 crore, other operating expenses of Rs. 9.71 crore and depreciation & amortisation of Rs. 4.15 crore. Reported under income tax expense: current tax of Rs. 14.06 crore and deferred tax of Rs. 0.27 crore.
In the financial year 2081/82, Excel Development Bank Ltd. reported net interest income of Rs. 55.14 crore, net fee and commission income of Rs. 8.27 crore, other operating income of Rs. 0.19 crore, total operating income of Rs. 63.6 crore, impairment charge/(reversal) of Rs. 17.29 crore, net operating income of Rs. 46.31 crore, operating expenses of Rs. 36.2 crore, operating profit of Rs. 10.11 crore, profit before income tax of Rs. 5.84 crore, income tax expense of Rs. 1.75 crore and profit for the year of Rs. 4.09 crore.
Reported under net interest income: interest income of Rs. 121.48 crore and interest expense of Rs. 66.35 crore. Reported under net fee and commission income: fee and commission income of Rs. 9.77 crore and fee and commission expense of Rs. 1.49 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 22.4 crore, other operating expenses of Rs. 9.57 crore and depreciation & amortisation of Rs. 4.23 crore. Reported under income tax expense: current tax of Rs. 1.75 crore and deferred tax of Rs. 0 crore.
In the financial year 2080/81, Excel Development Bank Ltd. reported net interest income of Rs. 55.76 crore, net fee and commission income of Rs. 7.69 crore, other operating income of Rs. 0.22 crore, total operating income of Rs. 63.67 crore, impairment charge/(reversal) of Rs. 12.89 crore, net operating income of Rs. 50.77 crore, operating expenses of Rs. 40.1 crore, operating profit of Rs. 10.67 crore, profit before income tax of Rs. 10.67 crore, income tax expense of Rs. 6.32 crore and profit for the year of Rs. 4.35 crore.
Reported under net interest income: interest income of Rs. 156.3 crore and interest expense of Rs. 100.53 crore. Reported under net fee and commission income: fee and commission income of Rs. 9.11 crore and fee and commission expense of Rs. 1.43 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 25.97 crore, other operating expenses of Rs. 9.55 crore and depreciation & amortisation of Rs. 4.59 crore. Reported under income tax expense: current tax of Rs. 6.66 crore and deferred tax of Rs. 0.34 crore.
In the financial year 2080/81, Excel Development Bank Ltd. reported total assets of Rs. 1,725.24 crore, total liabilities of Rs. 1,531.38 crore and total equity of Rs. 193.86 crore.
Reported under total assets: cash and cash equivalents of Rs. 205.79 crore, due from nepal rastra bank of Rs. 30.45 crore, loans and advances to banks and fis of Rs. 39.71 crore, loans and advances to customers of Rs. 1,083.38 crore, investment securities of Rs. 309.21 crore, current tax assets of Rs. 0 crore, investment property of Rs. 30.87 crore, property and equipment of Rs. 20.65 crore, goodwill and intangible assets of Rs. 0.22 crore, deferred tax assets of Rs. 0 crore and other assets of Rs. 4.96 crore. Reported under total liabilities: due to banks and fis of Rs. 26.03 crore, due to nepal rastra bank of Rs. 0 crore, deposits from customers of Rs. 1,476.35 crore, current tax liabilities of Rs. 1.07 crore, provisions of Rs. 1.43 crore, deferred tax liabilities of Rs. 8.1 crore and other liabilities of Rs. 18.4 crore. Reported under total equity: share capital of Rs. 124.97 crore, share premium of Rs. 0.91 crore, retained earnings of Rs. 1.17 crore and reserves of Rs. 69.15 crore.
In the financial year 2079/80, Excel Development Bank Ltd. reported total assets of Rs. 1,608.65 crore, total liabilities of Rs. 1,439.98 crore and total equity of Rs. 168.67 crore.
Reported under total assets: cash and cash equivalents of Rs. 240.22 crore, due from nepal rastra bank of Rs. 13.05 crore, loans and advances to banks and fis of Rs. 24.19 crore, loans and advances to customers of Rs. 1,049.38 crore, investment securities of Rs. 218.96 crore, current tax assets of Rs. 0.46 crore, investment property of Rs. 30.87 crore, property and equipment of Rs. 21.58 crore, goodwill and intangible assets of Rs. 0.33 crore, deferred tax assets of Rs. 0.49 crore and other assets of Rs. 9.12 crore. Reported under total liabilities: due to banks and fis of Rs. 42.79 crore, due to nepal rastra bank of Rs. 0 crore, deposits from customers of Rs. 1,376.74 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 1.12 crore, deferred tax liabilities of Rs. 0 crore and other liabilities of Rs. 19.32 crore. Reported under total equity: share capital of Rs. 124.97 crore, share premium of Rs. 0.91 crore, retained earnings of Rs. 6.45 crore and reserves of Rs. 49.25 crore.
In the financial year 2078/79, Excel Development Bank Ltd. reported total assets of Rs. 1,431.82 crore, total liabilities of Rs. 1,268.47 crore and total equity of Rs. 163.35 crore.
Reported under total assets: cash and cash equivalents of Rs. 234.54 crore, due from nepal rastra bank of Rs. 13.34 crore, loans and advances to banks and fis of Rs. 27.26 crore, loans and advances to customers of Rs. 1,023.14 crore, investment securities of Rs. 74.86 crore, current tax assets of Rs. 2.17 crore, investment property of Rs. 19.34 crore, property and equipment of Rs. 26.46 crore, goodwill and intangible assets of Rs. 0.36 crore, deferred tax assets of Rs. 1.35 crore and other assets of Rs. 8.99 crore. Reported under total liabilities: due to banks and fis of Rs. 42.25 crore, due to nepal rastra bank of Rs. 26.75 crore, deposits from customers of Rs. 1,175.06 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 1.68 crore, deferred tax liabilities of Rs. 0 crore and other liabilities of Rs. 22.73 crore. Reported under total equity: share capital of Rs. 115.18 crore, share premium of Rs. 0.95 crore, retained earnings of Rs. 12.85 crore and reserves of Rs. 34.37 crore.
In the financial year 2080/81, Excel Development Bank Ltd. reported net cash flow from operating activities (a) of Rs. 23.29 crore, net cash flow from investing activities (b) of Rs. 57.71 crore, net increase/(decrease) in cash and cash equivalents of Rs. 34.43 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 240.22 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. 205.79 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 130.54 crore, fees and other income received of Rs. 9.11 crore, receipts from other operating activities of Rs. 0 crore, interest paid of Rs. 100.47 crore, commission and fees paid of Rs. 1.43 crore, cash payment to employees of Rs. 14.97 crore, other expense paid of Rs. 10.06 crore, operating cash flows before changes in operating assets and liabilities of Rs. 12.72 crore, due from nepal rastra bank of Rs. 17.4 crore, loan and advances to banks and financial institutions of Rs. 15.71 crore, loan and advances to customers of Rs. 36.21 crore, other assets of Rs. 4.62 crore, due to banks and financial institutions of Rs. 16.76 crore, due to nepal rastra bank of Rs. 0 crore, deposit from customers of Rs. 99.61 crore, other liabilities of Rs. 0.92 crore, net cash flow from operating activities before tax paid of Rs. 29.95 crore and income taxes paid of Rs. 6.66 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 2,223.98 crore, receipts from sale of investment securities of Rs. 2,164.92 crore, purchase of property and equipment of Rs. 2.47 crore, receipt from sale of property and equipment of Rs. 0.12 crore, purchase of intangible assets of Rs. 0 crore, interest received of Rs. 3.55 crore and dividend received of Rs. 0.15 crore.
In the financial year 2079/80, Excel Development Bank Ltd. reported net cash flow from operating activities (a) of Rs. 151.17 crore, net cash flow from investing activities (b) of Rs. 144.59 crore, net cash flow from financing activities (c) of Rs. 0.91 crore, net increase/(decrease) in cash and cash equivalents of Rs. 5.68 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 234.54 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. 240.22 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 145.47 crore, fees and other income received of Rs. 8.91 crore, receipts from other operating activities of Rs. 0 crore, interest paid of Rs. 112.71 crore, commission and fees paid of Rs. 1.37 crore, cash payment to employees of Rs. 19.31 crore, other expense paid of Rs. 7.81 crore, operating cash flows before changes in operating assets and liabilities of Rs. 13.17 crore, due from nepal rastra bank of Rs. 0.29 crore, loan and advances to banks and financial institutions of Rs. 3.13 crore, loan and advances to customers of Rs. 33.96 crore, other assets of Rs. 1.59 crore, due to banks and financial institutions of Rs. 0.54 crore, due to nepal rastra bank of Rs. 26.75 crore, deposit from customers of Rs. 201.69 crore, other liabilities of Rs. 3.41 crore, net cash flow from operating activities before tax paid of Rs. 156.3 crore and income taxes paid of Rs. 5.12 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 286.98 crore, receipts from sale of investment securities of Rs. 150.9 crore, purchase of property and equipment of Rs. 13.36 crore, receipt from sale of property and equipment of Rs. 0.05 crore, purchase of intangible assets of Rs. 0.1 crore, interest received of Rs. 4.84 crore and dividend received of Rs. 0.07 crore. Reported under net cash flow from financing activities (c): dividends paid of Rs. 0.52 crore, interest paid of Rs. 0.35 crore and other receipt/payment of Rs. 0.05 crore.
In the financial year 2078/79, Excel Development Bank Ltd. reported net cash flow from operating activities (a) of Rs. 38.58 crore, net cash flow from investing activities (b) of Rs. 19.64 crore, net cash flow from financing activities (c) of Rs. 24.26 crore, net increase/(decrease) in cash and cash equivalents of Rs. 33.95 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 268.49 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. 234.54 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 116.9 crore, fees and other income received of Rs. 7.22 crore, receipts from other operating activities of Rs. 0 crore, interest paid of Rs. 76.17 crore, commission and fees paid of Rs. 0.88 crore, cash payment to employees of Rs. 16.51 crore, other expense paid of Rs. 8.57 crore, operating cash flows before changes in operating assets and liabilities of Rs. 21.98 crore, due from nepal rastra bank of Rs. 15.32 crore, loan and advances to banks and financial institutions of Rs. 9.09 crore, loan and advances to customers of Rs. 105.25 crore, other assets of Rs. 13.43 crore, due to banks and financial institutions of Rs. 3.95 crore, due to nepal rastra bank of Rs. 14.92 crore, deposit from customers of Rs. 73.67 crore, other liabilities of Rs. 5.13 crore, net cash flow from operating activities before tax paid of Rs. 32.89 crore and income taxes paid of Rs. 5.69 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 44.25 crore, receipts from sale of investment securities of Rs. 32.86 crore, purchase of property and equipment of Rs. 9.91 crore, receipt from sale of property and equipment of Rs. 0.04 crore, purchase of intangible assets of Rs. 0.15 crore, interest received of Rs. 1.58 crore and dividend received of Rs. 0.19 crore. Reported under net cash flow from financing activities (c): receipt from issue of shares of Rs. 25.29 crore, dividends paid of Rs. 0.51 crore, interest paid of Rs. 0.51 crore and other receipt/payment of Rs. 0 crore.
In the quarter Q4 2082/83, Excel Development Bank Ltd. reported net interest income of Rs. 23.33 crore, net fee and commission income of Rs. 3.33 crore, other operating income of Rs. 0.91 crore, total operating income of Rs. 27.56 crore, impairment charge/(reversal) of Rs. 18.18 crore, net operating income of Rs. 45.75 crore, operating expenses of Rs. 15.42 crore, operating profit of Rs. 30.33 crore, non-operating income/(expense) of Rs. 7.85 crore, profit before income tax of Rs. 22.48 crore, income tax expense of Rs. 7.11 crore and profit for the year of Rs. 15.37 crore.
Reported under net interest income: interest income of Rs. 36.36 crore and interest expense of Rs. 13.04 crore. Reported under net fee and commission income: fee and commission income of Rs. 4.1 crore and fee and commission expense of Rs. 0.77 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 10.92 crore, other operating expenses of Rs. 2.08 crore and depreciation & amortisation of Rs. 2.41 crore. Reported under non-operating income/(expense): non-operating expense of Rs. 7.85 crore. Reported under income tax expense: current tax of Rs. 7.38 crore and deferred tax of Rs. 0.27 crore.
In the quarter Q3 2082/83, Excel Development Bank Ltd. reported net interest income of Rs. 14.67 crore, net fee and commission income of Rs. 2.23 crore, other operating income of Rs. 0.63 crore, total operating income of Rs. 17.54 crore, impairment charge/(reversal) of Rs. 1.64 crore, net operating income of Rs. 19.18 crore, operating expenses of Rs. 8.66 crore, operating profit of Rs. 10.52 crore, non-operating income/(expense) of Rs. 0.93 crore, profit before income tax of Rs. 9.6 crore, income tax expense of Rs. 2.88 crore and profit for the year of Rs. 6.72 crore.
Reported under net interest income: interest income of Rs. 28.22 crore and interest expense of Rs. 13.55 crore. Reported under net fee and commission income: fee and commission income of Rs. 2.7 crore and fee and commission expense of Rs. 0.47 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 5.68 crore, other operating expenses of Rs. 2.42 crore and depreciation & amortisation of Rs. 0.56 crore. Reported under non-operating income/(expense): non-operating expense of Rs. 0.93 crore. Reported under income tax expense: current tax of Rs. 2.88 crore and deferred tax of Rs. 0 crore.
In the quarter Q2 2082/83, Excel Development Bank Ltd. reported net interest income of Rs. 13.55 crore, net fee and commission income of Rs. 2.14 crore, other operating income of Rs. 0.04 crore, total operating income of Rs. 15.73 crore, impairment charge/(reversal) of Rs. 15.45 crore, net operating income of Rs. 31.18 crore, operating expenses of Rs. 9.09 crore, operating profit of Rs. 22.08 crore, non-operating income/(expense) of Rs. 0.46 crore, profit before income tax of Rs. 21.63 crore, income tax expense of Rs. 3.79 crore and profit for the year of Rs. 17.83 crore.
Reported under net interest income: interest income of Rs. 27.96 crore and interest expense of Rs. 14.41 crore. Reported under net fee and commission income: fee and commission income of Rs. 2.57 crore and fee and commission expense of Rs. 0.43 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 5.78 crore, other operating expenses of Rs. 2.74 crore and depreciation & amortisation of Rs. 0.57 crore. Reported under non-operating income/(expense): non-operating expense of Rs. 0.46 crore. Reported under income tax expense: current tax of Rs. 3.79 crore and deferred tax of Rs. 0 crore.
In the quarter Q1 2082/83, Excel Development Bank Ltd. reported net interest income of Rs. 13.33 crore, net fee and commission income of Rs. 1.85 crore, other operating income of Rs. 0.22 crore, total operating income of Rs. 15.4 crore, impairment charge/(reversal) of Rs. 15.84 crore, net operating income of Rs. 0.44 crore, operating expenses of Rs. 8.54 crore, operating profit of Rs. 8.98 crore, profit before income tax of Rs. 8.98 crore, income tax expense of Rs. 0 crore and profit for the year of Rs. 8.98 crore.
Reported under net interest income: interest income of Rs. 28.84 crore and interest expense of Rs. 15.51 crore. Reported under net fee and commission income: fee and commission income of Rs. 2.15 crore and fee and commission expense of Rs. 0.3 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 5.46 crore, other operating expenses of Rs. 2.47 crore and depreciation & amortisation of Rs. 0.61 crore. Reported under income tax expense: current tax of Rs. 0 crore and deferred tax of Rs. 0 crore.
Values in Rs. Crore unless stated otherwise.
| Particulars | 2082/83 | 2081/82 | 2080/81 | 2079/80 | 2078/79 | 2077/78 |
|---|---|---|---|---|---|---|
| Net Interest Income | 64.9 | 55.1 | 55.8 | 60.9 | 45.2 | 45.7 |
| Interest Income | 121 | 121 | 156 | 174 | 124 | 95.0 |
| Interest Expense | -56.5 | -66.3 | -101 | -113 | -78.5 | -49.2 |
| Net Fee and Commission Income | 9.6 | 8.3 | 7.7 | 7.5 | 6.3 | 7.2 |
| Fee and Commission Income | 11.5 | 9.8 | 9.1 | 8.8 | 7.2 | 7.9 |
| Fee and Commission Expense | -2.0 | -1.5 | -1.4 | -1.4 | -0.88 | -0.68 |
| Other Operating Income | 1.8 | 0.19 | 0.22 | 0.08 | 0.20 | 3.0 |
| Total Operating Income | 76.2 | 63.6 | 63.7 | 68.4 | 51.7 | 56.0 |
| Impairment Charge/(Reversal) | 19.4 | -17.3 | -12.9 | -19.6 | -1.6 | -9.8 |
| Net Operating Income | 95.7 | 46.3 | 50.8 | 48.7 | 50.2 | 46.2 |
| Operating Expenses | -41.7 | -36.2 | -40.1 | -35.2 | -32.8 | -27.6 |
| Operating Expense - Personnel Expenses | -27.8 | -22.4 | -26.0 | -20.9 | -20.5 | -17.8 |
| Other Operating Expenses | -9.7 | -9.6 | -9.5 | -9.5 | -7.9 | -7.6 |
| Depreciation & Amortisation | -4.1 | -4.2 | -4.6 | -4.7 | -4.4 | -2.3 |
| Operating Profit | 54.0 | 10.1 | 10.7 | 13.6 | 17.4 | 18.6 |
| Non-Operating Income/(Expense) | Not reported | Not reported | Not reported | -2.8 | -2.9 | 0.00 |
| Non-Operating Expense | Not reported | Not reported | Not reported | -2.8 | -2.9 | 0.00 |
| Profit Before Income Tax | 44.7 | 5.8 | 10.7 | 10.8 | 14.5 | 18.6 |
| Income Tax Expense | -13.8 | -1.8 | -6.3 | -5.7 | -4.9 | -5.3 |
| Current Tax | -14.1 | -1.8 | -6.7 | -5.1 | -5.7 | -5.7 |
| Deferred Tax | 0.27 | 0.00 | 0.34 | -0.53 | 0.83 | 0.44 |
| Profit for the Year | 30.9 | 4.1 | 4.3 | 5.1 | 9.6 | 13.4 |
Values in Rs. Crore unless stated otherwise.
| Particulars | 2080/81 | 2079/80 | 2078/79 | 2077/78 | 2076/77 |
|---|---|---|---|---|---|
| Total Assets | 1,725 | 1,609 | 1,432 | 1,336 | 1,143 |
| Cash and Cash Equivalents | 206 | 240 | 235 | 268 | 275 |
| Due from Nepal Rastra Bank | 30.4 | 13.0 | 13.3 | 28.7 | 32.1 |
| Loans and Advances to Banks and FIs | 39.7 | 24.2 | 27.3 | 17.8 | 0.00 |
| Loans and Advances to Customers | 1,083 | 1,049 | 1,023 | 919 | 781 |
| Investment Securities | 309 | 219 | 74.9 | 63.6 | 18.3 |
| Current Tax Assets | 0.00 | 0.46 | 2.2 | 2.6 | 2.1 |
| Investment Property | 30.9 | 30.9 | 19.3 | 0.00 | 0.00 |
| Property and Equipment | 20.6 | 21.6 | 26.5 | 25.2 | 23.6 |
| Goodwill and Intangible Assets | 0.22 | 0.33 | 0.36 | 0.33 | 0.14 |
| Deferred Tax Assets | 0.00 | 0.49 | 1.3 | 0.00 | 0.48 |
| Other Assets | 5.0 | 9.1 | 9.0 | 9.9 | 10.9 |
| Total Liabilities | 1,531 | 1,440 | 1,268 | 1,205 | 1,029 |
| Due to Banks and FIs | 26.0 | 42.8 | 42.3 | 38.3 | 0.00 |
| Due to Nepal Rastra Bank | 0.00 | 0.00 | 26.7 | 41.7 | 0.00 |
| Deposits from Customers | 1,476 | 1,377 | 1,175 | 1,101 | 1,014 |
| Current Tax Liabilities | 1.1 | 0.00 | 0.00 | 0.00 | 0.00 |
| Provisions | 1.4 | 1.1 | 1.7 | 2.1 | 2.1 |
| Deferred Tax Liabilities | 8.1 | 0.00 | 0.00 | 0.45 | 0.00 |
| Other Liabilities | 18.4 | 19.3 | 22.7 | 20.9 | 12.6 |
| Total Equity | 194 | 169 | 163 | 131 | 115 |
| Share Capital | 125 | 125 | 115 | 81.1 | 81.1 |
| Share Premium | 0.91 | 0.91 | 0.95 | 0.49 | 0.49 |
| Retained Earnings | -1.2 | -6.5 | 12.9 | 20.3 | 10.0 |
| Reserves | 69.2 | 49.2 | 34.4 | 29.3 | 23.0 |
Values in Rs. Crore unless stated otherwise.
| Particulars | 2080/81 | 2079/80 | 2078/79 | 2077/78 | 2076/77 |
|---|---|---|---|---|---|
| Net Cash Flow from Operating Activities (A) | 23.3 | 151 | -38.6 | 35.7 | 119 |
| Interest Received | 131 | 145 | 117 | 95.0 | 107 |
| Fees and Other Income Received | 9.1 | 8.9 | 7.2 | 7.9 | 8.7 |
| Receipts from Other Operating Activities | 0.00 | 0.00 | 0.00 | 0.05 | 0.01 |
| Interest Paid | -100 | -113 | -76.2 | -49.2 | -59.5 |
| Commission and Fees Paid | -1.4 | -1.4 | -0.88 | -0.68 | -0.62 |
| Cash Payment to Employees | -15.0 | -19.3 | -16.5 | -17.8 | -16.6 |
| Other Expense Paid | -10.1 | -7.8 | -8.6 | -7.2 | -7.5 |
| Operating Cash Flows Before Changes in Operating Assets and Liabilities | 12.7 | 13.2 | 22.0 | 28.0 | 31.0 |
| Due from Nepal Rastra Bank | -17.4 | 0.29 | 15.3 | 3.4 | -18.0 |
| Loan and Advances to Banks and Financial Institutions | -15.7 | 3.1 | -9.1 | -18.0 | 0.00 |
| Loan and Advances to Customers | -36.2 | -34.0 | -105 | -148 | -159 |
| Other Assets | 4.6 | 1.6 | -13.4 | 0.55 | -3.5 |
| Due to Banks and Financial Institutions | -16.8 | 0.54 | 4.0 | 38.3 | 0.00 |
| Due to Nepal Rastra Bank | 0.00 | -26.7 | -14.9 | 41.7 | 0.00 |
| Deposit from Customers | 99.6 | 202 | 73.7 | 87.3 | 270 |
| Other Liabilities | -0.92 | -3.4 | -5.1 | 8.3 | 2.5 |
| Net Cash Flow from Operating Activities Before Tax Paid | 29.9 | 156 | -32.9 | 41.4 | 123 |
| Income Taxes Paid | -6.7 | -5.1 | -5.7 | -5.7 | -4.6 |
| Net Cash Flow from Investing Activities (B) | -57.7 | -145 | -19.6 | -42.1 | -3.2 |
| Purchase of Investment Securities | -2,224 | -287 | -44.3 | -56.4 | -2.7 |
| Receipts from Sale of Investment Securities | 2,165 | 151 | 32.9 | 18.1 | 1.8 |
| Purchase of Property and Equipment | -2.5 | -13.4 | -9.9 | -4.2 | -2.3 |
| Receipt from Sale of Property and Equipment | 0.12 | 0.05 | 0.04 | 0.39 | 0.00 |
| Purchase of Intangible Assets | 0.00 | -0.10 | -0.15 | -0.25 | -0.08 |
| Interest Received | 3.6 | 4.8 | 1.6 | 0.00 | 0.00 |
| Dividend Received | 0.15 | 0.07 | 0.19 | 0.29 | 0.10 |
| Net Cash Flow from Financing Activities (C) | Not reported | -0.91 | 24.3 | 0.00 | -0.62 |
| Receipt from Issue of Shares | Not reported | Not reported | 25.3 | 0.00 | Not reported |
| Dividends Paid | Not reported | -0.52 | -0.51 | 0.00 | -0.62 |
| Interest Paid | Not reported | -0.35 | -0.51 | 0.00 | 0.00 |
| Other Receipt/Payment | Not reported | -0.05 | 0.00 | 0.00 | 0.00 |
| Net Increase/(Decrease) in Cash and Cash Equivalents | -34.4 | 5.7 | -33.9 | -6.4 | 115 |
| Cash and Cash Equivalents at Shrawan 01 (Beginning of the Year) | 240 | 235 | 268 | 275 | 160 |
| Effect of Exchange Rate Fluctuations on Cash and Cash Equivalents Held | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash and Cash Equivalents at Ashadh End | 206 | 240 | 235 | 268 | 275 |
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 | Q3 2080/81 | Q2 2080/81 | Q1 2080/81 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 23.3 | 14.7 | 13.5 | 13.3 | 22.2 | 13.3 | 7.6 | 12.0 | 14.6 | 11.4 | 10.8 | 9.8 |
| Interest Income | 36.4 | 28.2 | 28.0 | 28.8 | 38.1 | 29.0 | 23.9 | 30.5 | 35.9 | 34.3 | 37.3 | 39.6 |
| Interest Expense | -13.0 | -13.6 | -14.4 | -15.5 | -15.9 | -15.7 | -16.2 | -18.5 | -21.4 | -22.9 | -26.5 | -29.8 |
| Net Fee and Commission Income | 3.3 | 2.2 | 2.1 | 1.8 | 2.6 | 2.0 | 1.9 | 1.8 | 2.5 | 1.5 | -0.58 | 4.2 |
| Fee and Commission Income | 4.1 | 2.7 | 2.6 | 2.2 | 3.3 | 2.3 | 2.1 | 2.0 | 3.2 | 1.8 | -0.38 | 4.5 |
| Fee and Commission Expense | -0.77 | -0.47 | -0.43 | -0.30 | -0.71 | -0.35 | -0.23 | -0.20 | -0.68 | -0.29 | -0.20 | -0.26 |
| Other Operating Income | 0.91 | 0.63 | 0.04 | 0.22 | 0.02 | -0.03 | 0.09 | 0.11 | 0.21 | -0.00 | -0.00 | 0.01 |
| Total Operating Income | 27.6 | 17.5 | 15.7 | 15.4 | 24.8 | 15.3 | 9.6 | 13.9 | 17.3 | 12.9 | 10.2 | 14.0 |
| Impairment Charge/(Reversal) | 18.2 | 1.6 | 15.4 | -15.8 | -0.95 | 1.1 | 0.75 | -18.2 | 9.1 | -4.2 | 3.7 | -19.9 |
| Net Operating Income | 45.7 | 19.2 | 31.2 | -0.44 | 23.9 | 16.3 | 10.4 | -4.3 | 26.4 | 8.7 | 13.9 | -5.8 |
| Operating Expenses | -15.4 | -8.7 | -9.1 | -8.5 | -13.2 | -7.9 | -7.1 | -8.0 | -9.7 | -7.0 | -7.0 | -8.1 |
| Operating Expense - Personnel Expenses | -10.9 | -5.7 | -5.8 | -5.5 | -8.8 | -4.7 | -4.2 | -4.8 | -6.1 | -3.9 | -4.1 | -4.9 |
| Other Operating Expenses | -2.1 | -2.4 | -2.7 | -2.5 | -2.1 | -2.5 | -2.3 | -2.6 | -3.1 | -2.4 | -2.2 | -2.5 |
| Depreciation & Amortisation | -2.4 | -0.56 | -0.57 | -0.61 | -2.3 | -0.67 | -0.65 | -0.64 | -0.50 | -0.76 | -0.76 | -0.70 |
| Operating Profit | 30.3 | 10.5 | 22.1 | -9.0 | 10.7 | 8.4 | 3.2 | -12.3 | 16.8 | 1.6 | 6.9 | -13.9 |
| Non-Operating Income/(Expense) | -7.9 | -0.93 | -0.46 | Not reported | -4.2 | -0.03 | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported |
| Non-Operating Expense | -7.9 | -0.93 | -0.46 | Not reported | -4.2 | -0.03 | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported |
| Profit Before Income Tax | 22.5 | 9.6 | 21.6 | -9.0 | 6.5 | 8.4 | 3.2 | -12.3 | 16.8 | 1.6 | 6.9 | -13.9 |
| Income Tax Expense | -7.1 | -2.9 | -3.8 | 0.00 | -1.8 | 0.00 | 0.00 | 0.00 | -4.0 | 0.00 | 0.00 | 0.00 |
| Current Tax | -7.4 | -2.9 | -3.8 | 0.00 | -1.8 | 0.00 | 0.00 | 0.00 | -3.4 | 0.00 | 0.00 | 0.00 |
| Deferred Tax | 0.27 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -0.58 | 0.00 | 0.00 | 0.00 |
| Profit for the Year | 15.4 | 6.7 | 17.8 | -9.0 | 4.7 | 8.4 | 3.2 | -12.3 | 12.8 | 1.6 | 6.9 | -13.9 |
Over the last 15 trading sessions EDBL closed between Rs. 563.00 and Rs. 583.90, finishing at Rs. 569.50 on 2026-10-12 against Rs. 583.90 on 2026-09-18.
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| 2026-10-12 | 563.10 | 576.00 | 563.00 | 569.50 | 8,391 |
| 2026-10-09 | 573.90 | 576.00 | 562.00 | 563.00 | 11,425 |
| 2026-10-08 | 556.10 | 568.90 | 556.10 | 564.90 | 1,375 |
| 2026-10-07 | 560.30 | 565.00 | 555.00 | 564.00 | 1,035 |
| 2026-10-06 | 568.00 | 570.00 | 564.00 | 564.00 | 1,750 |
| 2026-10-05 | 560.00 | 565.00 | 560.00 | 565.00 | 2,455 |
| 2026-10-02 | 573.00 | 573.00 | 562.00 | 565.00 | 2,140 |
| 2026-10-01 | 581.00 | 581.00 | 570.20 | 575.00 | 2,885 |
| 2026-09-30 | 573.00 | 574.90 | 566.40 | 574.90 | 1,031 |
| 2026-09-29 | 572.00 | 575.00 | 565.00 | 573.00 | 36,898 |
| 2026-09-28 | 589.30 | 591.00 | 570.10 | 572.00 | 4,259 |
| 2026-09-24 | 569.00 | 577.90 | 567.00 | 575.00 | 2,862 |
| 2026-09-23 | 580.00 | 580.00 | 563.00 | 563.00 | 7,551 |
| 2026-09-22 | 577.00 | 591.00 | 577.00 | 580.10 | 15,546 |
| 2026-09-18 | 575.00 | 585.00 | 575.00 | 583.90 | 3,035 |
2026, between Rs. 535.90 and Rs. 683.40, 2025, between Rs. 545.00 and Rs. 838.20, 2024, between Rs. 325.00 and Rs. 774.00, 2023, between Rs. 266.40 and Rs. 396.00, 2022, between Rs. 283.87 and Rs. 566.82 and 2021, between Rs. 226.30 and Rs. 797.72.
| Year | Low (Rs.) | High (Rs.) | Sessions |
|---|---|---|---|
| 2026 | 535.90 | 683.40 | 181 |
| 2025 | 545.00 | 838.20 | 225 |
| 2024 | 325.00 | 774.00 | 232 |
| 2023 | 266.40 | 396.00 | 227 |
| 2022 | 283.87 | 566.82 | 242 |
| 2021 | 226.30 | 797.72 | 236 |
| 2020 | 163.61 | 265.02 | 179 |
| 2019 | 146.51 | 183.56 | 209 |
| 2018 | 145.94 | 230.31 | 208 |
| 2017 | 127.93 | 238.29 | 214 |
| 2016 | 122.31 | 223.73 | 211 |
| 2015 | 93.97 | 130.32 | 106 |
At Rs. 569.50 on 2026-10-12, EDBL is up 0.80% over 1 week, up 0.46% over 1 month, up 1.61% over 3 months, down 4.37% over 6 months, up 2.24% over 1 year and up 9.17% 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 | +0.80% | 565.00 | 2026-10-05 |
| 1 month | +0.46% | 566.90 | 2026-09-11 |
| 3 months | +1.61% | 560.50 | 2026-07-14 |
| 6 months | -4.37% | 595.50 | 2026-04-15 |
| 1 year | +2.24% | 557.00 | 2025-10-12 |
| 5 years | +9.17% | 521.66 | 2021-10-11 |
EDBL traded 29 times on 2026-10-12, moving 8,391 shares for Rs. 0.48 crore of turnover. Trades went through between Rs. 563.00 and Rs. 576.00.
Largest buyers by volume: broker 22, Siprabi Securities Pvt. Limited on 7,152 shares across 17 trades, broker 13, Thrive Brokerage House Pvt. Limited on 975 shares across 7 trades, broker 18, Sagarmatha Securities Pvt. Limited on 148 shares across 2 trades, broker 16, Primo Securities Pvt. Limited on 76 shares across 1 trades, broker 43, South Asian Bulls Pvt.Limited on 30 shares across 1 trades and broker 58, Naasa Securities Co. Ltd. on 10 shares across 1 trades.
Largest sellers by volume: broker 33, Dakshinkali Investment Securities Pvt.Limited on 3,830 shares across 3 trades, broker 58, Naasa Securities Co. Ltd. on 1,606 shares across 6 trades, broker 92, Roadshow Securities Limited on 1,037 shares across 1 trades, broker 45, Imperial Securities Co. Limited on 805 shares across 3 trades, broker 74, Kalash Stock Market Pvt. Ltd. on 300 shares across 2 trades, broker 68, Elite Stock House Limited on 200 shares across 2 trades, broker 47, Neev Securities Pvt.Ltd on 200 shares across 3 trades, broker 48, Trishakti Securities Public Limited on 175 shares across 1 trades, broker 49, Online Securities Limited on 78 shares across 1 trades and broker 96, Himalayan Securities Limited on 50 shares across 2 trades.
Excel Development Bank Ltd. most recently declared an 8.5% bonus share issue for 2077/2078, announced on 2022-07-03. 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 |
|---|---|---|---|
| 2077/2078 | 8.5% | 2022-07-03 |
For 2077/2078 Excel Development Bank Ltd. declared an 8.5% bonus share issue, announced on 2022-07-03.
Annual and special general meetings Excel Development Bank Ltd. has called. A dividend is declared by the board and approved at the AGM.
6 years of annual statements and 12 quarters of results for EDBL, with charts and peer comparison, are free on NepView.
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