Himalayan Bank Limited (HBL) Share Price & Fundamentals

Himalayan Bank (HBL) share price is Rs. 200.00, up 1.01% on 2026-09-22. Open Rs. 198.00. High Rs. 202.00. Low Rs. 197.00. Volume 116,095.

Himalayan Bank Limited is a NEPSE-listed company (HBL), Commercial Banks sector. Revenue: Rs. 1,322.57 Crore. Net profit: Rs. 54.77 Crore. Net worth: Rs. 3,914.86 Crore.

About Himalayan Bank Limited

Himalayan Bank Limited (HBL) has 22,58,16,625 shares outstanding.

Company website: www.himalayanbank.com.

HBL FPO and listing

Himalayan Bank Limited listed on the Nepal Stock Exchange on 2025-09-01. The FPO was issued at Rs. 157.00 a share, for 92,50,469 units. The issue was open from 2025-07-16 to 2025-07-20. It closed its first session at Rs. 206.09, a gain of 30.70% on the issue price.

HBL key metrics

Market Cap	Rs. 4,426.01 Crore
P/E Ratio	80.82
P/E Ratio (TTM)	28.82
EPS	Rs. 2.43
EPS (TTM)	Rs. 6.80
Book Value	Rs. 173.36
Dividend Yield	0.00%
Face Value	Rs. 100.00
52 Week High	Rs. 237.00
52 Week Low	Rs. 183.00

HBL strengths

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

Lends out 74.6% of deposits, comfortably within the 90% Nepal Rastra Bank allows. (Liquidity & Funding)
Profit grew 1041.2% on last year. (Growth)
92.4% of its funding comes from customer deposits, which are cheap and stable. (Liquidity & Funding)
78.9% of income comes from lending, which is steady and predictable. (Margins & Income Quality)
Loans are 62.1% of what the bank owns, a balanced mix alongside other assets. (Asset Quality)
11.5% of income comes from sources other than interest, which spreads the risk. (Margins & Income Quality)

HBL weaknesses

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

Return on shareholders' money is 0.4%, below what owners would hope for. (Profitability)
Return on everything it owns is 0%, so its assets are not producing much. (Profitability)
26% of income is lost to loans going bad, which eats directly into profit. (Asset Quality)
Each share produced Rs 6.56 over the year. (Shareholder Returns)
Income from lending moved -15.7%, so the core business is not growing. (Growth)
Makes only 2.8% from the gap between lending and deposit rates, so core earnings are squeezed. (Margins & Income Quality)
Net profit margin is 13.3%, less than most lenders keep once every cost is paid. (Profitability)
Total income moved -10.9% on last year. (Growth)
Operating margin is 23.5%, so running costs take too much of what core banking earns. (Profitability)
The loan book moved 0.2%, so lending is not expanding. (Growth)
Staff costs take 32.8% of income, a heavy load on earnings. (Efficiency)
Only 9.9% of what it owns belongs to shareholders, so there is less cushion for losses. (Capital Strength)
Only 9.5% of income comes from fees, so it leans heavily on lending. (Margins & Income Quality)
Owns 10.14x for every rupee shareholders put in. A high multiple magnifies losses as well as gains. (Capital Strength)
Deposits moved 5.2%, so its cheapest source of funding is not growing. (Growth)
Each share is backed by only Rs 162.19 of net worth. (Shareholder Returns)
The bank's size moved 4.4% over the year. (Shareholder Returns)

HBL Q3 2082/83 results

In Q3 2082/83 Himalayan Bank Limited reported a loss of Rs. 55.97 crore and total operating income of Rs. 272.12 crore. Profit in Q2 2082/83 was Rs. 63.3 crore. Profit turned from a profit to a loss on the previous quarter. Total operating income fell 3.71% on the previous quarter. Profit in Q3 2081/82, the same quarter a year earlier, was a loss of Rs. 95.98 crore. The loss narrowed 41.68% on the same quarter last year. Total operating income fell 15.18% on the same quarter last year.

HBL annual results 2081/82

For the financial year 2081/82 Himalayan Bank Limited reported net profit of Rs. 54.77 crore, total operating income of Rs. 1,322.57 crore and net worth of Rs. 3,914.86 crore. Net profit in 2080/81 was Rs. 146.14 crore. Net profit fell 62.52% on the year. Total operating income fell 2.80% on the year.

HBL profit and loss for 2081/82

In the financial year 2081/82, Himalayan Bank Limited reported net interest income of Rs. 1,092.45 crore, net fee and commission income of Rs. 128.42 crore, net trading income of Rs. 66.64 crore, other operating income of Rs. 35.05 crore, total operating income of Rs. 1,322.57 crore, impairment charge/(reversal) of Rs. 379.43 crore, net operating income of Rs. 943.14 crore, operating expenses of Rs. 570.35 crore, operating profit of Rs. 372.79 crore, non-operating income/(expense) of Rs. 313.26 crore, profit before income tax of Rs. 59.53 crore, income tax expense of Rs. 4.77 crore and profit for the year of Rs. 54.77 crore.

Reported under net interest income: interest income of Rs. 2,838.16 crore and interest expense of Rs. 1,745.71 crore. Reported under net fee and commission income: fee and commission income of Rs. 146.22 crore and fee and commission expense of Rs. 17.8 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 367.01 crore, other operating expenses of Rs. 134.02 crore and depreciation & amortisation of Rs. 69.33 crore. Reported under non-operating income/(expense): non-operating income of Rs. 23.08 crore and non-operating expense of Rs. 336.34 crore. Reported under income tax expense: current tax of Rs. 179.63 crore and deferred tax of Rs. 174.87 crore.

HBL profit and loss for 2080/81

In the financial year 2080/81, Himalayan Bank Limited reported net interest income of Rs. 1,195.52 crore, net fee and commission income of Rs. 114.22 crore, net trading income of Rs. 44.11 crore, other operating income of Rs. 6.87 crore, total operating income of Rs. 1,360.73 crore, impairment charge/(reversal) of Rs. 529.03 crore, net operating income of Rs. 831.7 crore, operating expenses of Rs. 529.88 crore, operating profit of Rs. 301.81 crore, non-operating income/(expense) of Rs. 98.24 crore, profit before income tax of Rs. 203.58 crore, income tax expense of Rs. 57.44 crore and profit for the year of Rs. 146.14 crore.

Reported under net interest income: interest income of Rs. 3,613.79 crore and interest expense of Rs. 2,418.27 crore. Reported under net fee and commission income: fee and commission income of Rs. 130.73 crore and fee and commission expense of Rs. 16.51 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 321.85 crore, other operating expenses of Rs. 134.55 crore and depreciation & amortisation of Rs. 73.48 crore. Reported under non-operating income/(expense): non-operating income of Rs. 14.2 crore and non-operating expense of Rs. 112.44 crore. Reported under income tax expense: current tax of Rs. 218.5 crore and deferred tax of Rs. 161.06 crore.

HBL profit and loss for 2079/80

In the financial year 2079/80, Himalayan Bank Limited reported net interest income of Rs. 1,009.54 crore, net fee and commission income of Rs. 100.51 crore, net trading income of Rs. 38.27 crore, other operating income of Rs. 24.01 crore, total operating income of Rs. 1,172.34 crore, impairment charge/(reversal) of Rs. 488.38 crore, net operating income of Rs. 683.96 crore, operating expenses of Rs. 376.13 crore, operating profit of Rs. 307.84 crore, non-operating income/(expense) of Rs. 100.4 crore, profit before income tax of Rs. 207.44 crore, income tax expense of Rs. 47.99 crore and profit for the year of Rs. 159.45 crore.

Reported under net interest income: interest income of Rs. 2,937.69 crore and interest expense of Rs. 1,928.15 crore. Reported under net fee and commission income: fee and commission income of Rs. 115.58 crore and fee and commission expense of Rs. 15.07 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 216.15 crore, other operating expenses of Rs. 110.93 crore and depreciation & amortisation of Rs. 49.05 crore. Reported under non-operating income/(expense): non-operating income of Rs. 6.65 crore and non-operating expense of Rs. 107.05 crore. Reported under income tax expense: current tax of Rs. 150.81 crore and deferred tax of Rs. 102.82 crore.

HBL balance sheet for 2081/82

In the financial year 2081/82, Himalayan Bank Limited reported total assets of Rs. 37,682.34 crore, total liabilities of Rs. 33,767.48 crore and total equity of Rs. 3,914.86 crore.

Reported under total assets: cash and cash equivalents of Rs. 1,017.56 crore, due from nepal rastra bank of Rs. 3,695.32 crore, placement with banks and fis of Rs. 1,838.71 crore, derivative financial instruments of Rs. 4.03 crore, other trading assets of Rs. 12.41 crore, loans and advances to banks and fis of Rs. 848.26 crore, loans and advances to customers of Rs. 23,533.5 crore, investment securities of Rs. 4,092.62 crore, current tax assets of Rs. 32.93 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 196.36 crore, investment property of Rs. 566.48 crore, property and equipment of Rs. 836.37 crore, goodwill and intangible assets of Rs. 97.2 crore, deferred tax assets of Rs. 351.11 crore and other assets of Rs. 559.49 crore. Reported under total liabilities: due to banks and fis of Rs. 344.83 crore, due to nepal rastra bank of Rs. 0 crore, derivative financial instruments of Rs. 6.04 crore, deposits from customers of Rs. 30,930.64 crore, borrowings of Rs. 190.55 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 1,456.66 crore, debt securities issued of Rs. 838.77 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 2,165.66 crore, share premium of Rs. 0 crore, retained earnings of Rs. 664.96 crore, reserves of Rs. 2,384 crore and non controlling interest of Rs. 30.15 crore.

HBL balance sheet for 2080/81

In the financial year 2080/81, Himalayan Bank Limited reported total assets of Rs. 36,075.95 crore, total liabilities of Rs. 32,201.22 crore and total equity of Rs. 3,874.73 crore.

Reported under total assets: cash and cash equivalents of Rs. 863.28 crore, due from nepal rastra bank of Rs. 3,570.99 crore, placement with banks and fis of Rs. 1,051.35 crore, derivative financial instruments of Rs. 2.62 crore, other trading assets of Rs. 6.98 crore, loans and advances to banks and fis of Rs. 954.97 crore, loans and advances to customers of Rs. 23,351.15 crore, investment securities of Rs. 4,278.9 crore, current tax assets of Rs. 32.11 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 174.6 crore, investment property of Rs. 241.49 crore, property and equipment of Rs. 827.71 crore, goodwill and intangible assets of Rs. 98.63 crore, deferred tax assets of Rs. 171.1 crore and other assets of Rs. 450.05 crore. Reported under total liabilities: due to banks and fis of Rs. 382.58 crore, due to nepal rastra bank of Rs. 0 crore, derivative financial instruments of Rs. 1.39 crore, deposits from customers of Rs. 29,348.64 crore, borrowings of Rs. 231.03 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 1,399.17 crore, debt securities issued of Rs. 838.41 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 2,165.66 crore, share premium of Rs. 0 crore, retained earnings of Rs. 559.36 crore, reserves of Rs. 2,242.33 crore and non controlling interest of Rs. 26.1 crore.

HBL balance sheet for 2079/80

In the financial year 2079/80, Himalayan Bank Limited reported total assets of Rs. 34,100.17 crore, total liabilities of Rs. 30,354.39 crore and total equity of Rs. 3,745.78 crore.

Reported under total assets: cash and cash equivalents of Rs. 1,902.42 crore, due from nepal rastra bank of Rs. 2,025.9 crore, placement with banks and fis of Rs. 513.64 crore, derivative financial instruments of Rs. 2.98 crore, other trading assets of Rs. 2.66 crore, loans and advances to banks and fis of Rs. 987.08 crore, loans and advances to customers of Rs. 23,178.18 crore, investment securities of Rs. 3,774.35 crore, current tax assets of Rs. 55.8 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 161.44 crore, investment property of Rs. 58.92 crore, property and equipment of Rs. 794.74 crore, goodwill and intangible assets of Rs. 99.65 crore, deferred tax assets of Rs. 2.47 crore and other assets of Rs. 539.94 crore. Reported under total liabilities: due to banks and fis of Rs. 518.74 crore, due to nepal rastra bank of Rs. 54.69 crore, derivative financial instruments of Rs. 0.88 crore, deposits from customers of Rs. 27,434.51 crore, borrowings of Rs. 245.39 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 1,262.1 crore, debt securities issued of Rs. 838.08 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 2,165.66 crore, share premium of Rs. 0 crore, retained earnings of Rs. 160.15 crore, reserves of Rs. 1,710.38 crore and non controlling interest of Rs. 29.89 crore.

HBL cash flow for 2081/82

In the financial year 2081/82, Himalayan Bank Limited reported net cash flow from operating activities (a) of Rs. 200.08 crore, net cash flow from investing activities (b) of Rs. 449.08 crore, net cash flow from financing activities (c) of Rs. 94.93 crore, net increase/(decrease) in cash and cash equivalents of Rs. 154.07 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 863.28 crore, effect of exchange rate fluctuations on cash and cash equivalents held of Rs. 0.21 crore and cash and cash equivalents at ashadh end of Rs. 1,017.56 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 2,311.64 crore, fees and other income received of Rs. 146.22 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 108.8 crore, interest paid of Rs. 1,670.95 crore, commission and fees paid of Rs. 17.7 crore, cash payment to employees of Rs. 296.95 crore, other expense paid of Rs. 134.02 crore, operating cash flows before changes in operating assets and liabilities of Rs. 447.03 crore, due from nepal rastra bank of Rs. 124.32 crore, placement with banks and financial institutions of Rs. 787.36 crore, other trading assets of Rs. 5.44 crore, loan and advances to banks and financial institutions of Rs. 139.19 crore, loan and advances to customers of Rs. 1,036.22 crore, other assets of Rs. 169.3 crore, due to banks and financial institutions of Rs. 37.75 crore, due to nepal rastra bank of Rs. 0 crore, deposit from customers of Rs. 1,582 crore, borrowings of Rs. 40.48 crore, other liabilities of Rs. 13.02 crore, net cash flow from operating activities before tax paid of Rs. 19.64 crore and income taxes paid of Rs. 180.45 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 171.03 crore, receipts from sale of investment securities of Rs. 0 crore, purchase of property and equipment of Rs. 66.9 crore, receipt from sale of property and equipment of Rs. 0 crore, purchase of intangible assets of Rs. 10.79 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. 17.65 crore, interest received of Rs. 331.39 crore and dividend received of Rs. 6.7 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. 0.42 crore, interest paid of Rs. 94.51 crore and other receipt/payment of Rs. 0 crore.

HBL cash flow for 2080/81

In the financial year 2080/81, Himalayan Bank Limited reported net cash flow from operating activities (a) of Rs. 667.38 crore, net cash flow from investing activities (b) of Rs. 266.01 crore, net cash flow from financing activities (c) of Rs. 102.8 crore, net increase/(decrease) in cash and cash equivalents of Rs. 1,036.18 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 1,902.42 crore, effect of exchange rate fluctuations on cash and cash equivalents held of Rs. 2.96 crore and cash and cash equivalents at ashadh end of Rs. 863.28 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 2,949.06 crore, fees and other income received of Rs. 130.73 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 68.28 crore, interest paid of Rs. 2,248.15 crore, commission and fees paid of Rs. 16.26 crore, cash payment to employees of Rs. 315.44 crore, other expense paid of Rs. 172.91 crore, operating cash flows before changes in operating assets and liabilities of Rs. 395.3 crore, due from nepal rastra bank of Rs. 1,545.1 crore, placement with banks and financial institutions of Rs. 537.71 crore, other trading assets of Rs. 4.32 crore, loan and advances to banks and financial institutions of Rs. 31.12 crore, loan and advances to customers of Rs. 633.54 crore, other assets of Rs. 77.8 crore, due to banks and financial institutions of Rs. 136.16 crore, due to nepal rastra bank of Rs. 54.69 crore, deposit from customers of Rs. 1,914.13 crore, borrowings of Rs. 14.36 crore, other liabilities of Rs. 34.96 crore, net cash flow from operating activities before tax paid of Rs. 472.57 crore and income taxes paid of Rs. 194.81 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 520.37 crore, receipts from sale of investment securities of Rs. 0 crore, purchase of property and equipment of Rs. 38.48 crore, receipt from sale of property and equipment of Rs. 5.44 crore, purchase of intangible assets of Rs. 10.02 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. 0.13 crore, interest received of Rs. 303.54 crore and dividend received of Rs. 4.64 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. 0.51 crore, interest paid of Rs. 102.29 crore and other receipt/payment of Rs. 0 crore.

HBL cash flow for 2079/80

In the financial year 2079/80, Himalayan Bank Limited reported net cash flow from operating activities (a) of Rs. 910.2 crore, net cash flow from investing activities (b) of Rs. 1,370.19 crore, net cash flow from financing activities (c) of Rs. 15.87 crore, net increase/(decrease) in cash and cash equivalents of Rs. 475.85 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 1,426.9 crore, effect of exchange rate fluctuations on cash and cash equivalents held of Rs. 0.32 crore and cash and cash equivalents at ashadh end of Rs. 1,902.42 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 2,512.93 crore, fees and other income received of Rs. 115.58 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 57.14 crore, interest paid of Rs. 1,833.97 crore, commission and fees paid of Rs. 15.07 crore, cash payment to employees of Rs. 222.37 crore, other expense paid of Rs. 110.93 crore, operating cash flows before changes in operating assets and liabilities of Rs. 503.32 crore, due from nepal rastra bank of Rs. 672.61 crore, placement with banks and financial institutions of Rs. 88.99 crore, other trading assets of Rs. 2.35 crore, loan and advances to banks and financial institutions of Rs. 176.52 crore, loan and advances to customers of Rs. 106.66 crore, other assets of Rs. 188.4 crore, due to banks and financial institutions of Rs. 1.28 crore, due to nepal rastra bank of Rs. 1,880.54 crore, deposit from customers of Rs. 1,249.45 crore, borrowings of Rs. 37.05 crore, other liabilities of Rs. 177.72 crore, net cash flow from operating activities before tax paid of Rs. 796.78 crore and income taxes paid of Rs. 113.43 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 296.79 crore, receipts from sale of investment securities of Rs. 1,480.48 crore, purchase of property and equipment of Rs. 47.04 crore, receipt from sale of property and equipment of Rs. 3.37 crore, purchase of intangible assets of Rs. 19.51 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. 0.7 crore, interest received of Rs. 247.64 crore and dividend received of Rs. 1.34 crore. Reported under net cash flow from financing activities (c): receipt from issue of debt securities of Rs. 250 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. 178.78 crore, interest paid of Rs. 55.36 crore and other receipt/payment of Rs. 0 crore.

HBL quarterly for Q3 2082/83

In the quarter Q3 2082/83, Himalayan Bank Limited reported net interest income of Rs. 225.82 crore, net fee and commission income of Rs. 29.89 crore, net trading income of Rs. 22.75 crore, other operating income of Rs. 6.34 crore, total operating income of Rs. 272.12 crore, impairment charge/(reversal) of Rs. 209.79 crore, net operating income of Rs. 62.33 crore, operating expenses of Rs. 132.45 crore, operating profit of Rs. 70.12 crore, non-operating income/(expense) of Rs. 7.18 crore, profit before income tax of Rs. 77.3 crore, income tax expense of Rs. 21.33 crore and profit for the year of Rs. 55.97 crore.

Reported under net interest income: interest income of Rs. 563.51 crore and interest expense of Rs. 337.69 crore. Reported under net fee and commission income: fee and commission income of Rs. 32.88 crore and fee and commission expense of Rs. 2.99 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 79.92 crore, other operating expenses of Rs. 41.49 crore and depreciation & amortisation of Rs. 11.04 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.16 crore and non-operating expense of Rs. 7.34 crore. Reported under income tax expense: current tax of Rs. 42.14 crore and deferred tax of Rs. 63.47 crore.

HBL quarterly for Q2 2082/83

In the quarter Q2 2082/83, Himalayan Bank Limited reported net interest income of Rs. 230.36 crore, net fee and commission income of Rs. 22.44 crore, net trading income of Rs. 17.13 crore, other operating income of Rs. 12.7 crore, total operating income of Rs. 282.62 crore, impairment charge/(reversal) of Rs. 46.83 crore, net operating income of Rs. 235.79 crore, operating expenses of Rs. 149.9 crore, operating profit of Rs. 85.89 crore, non-operating income/(expense) of Rs. 1.66 crore, profit before income tax of Rs. 84.22 crore, income tax expense of Rs. 20.93 crore and profit for the year of Rs. 63.3 crore.

Reported under net interest income: interest income of Rs. 573.72 crore and interest expense of Rs. 343.37 crore. Reported under net fee and commission income: fee and commission income of Rs. 24.97 crore and fee and commission expense of Rs. 2.53 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 98.57 crore, other operating expenses of Rs. 40.59 crore and depreciation & amortisation of Rs. 10.74 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.11 crore and non-operating expense of Rs. 1.77 crore. Reported under income tax expense: current tax of Rs. 29.46 crore and deferred tax of Rs. 8.53 crore.

HBL quarterly for Q1 2082/83

In the quarter Q1 2082/83, Himalayan Bank Limited reported net interest income of Rs. 261.59 crore, net fee and commission income of Rs. 27.9 crore, net trading income of Rs. 19.94 crore, other operating income of Rs. 12.2 crore, total operating income of Rs. 321.63 crore, impairment charge/(reversal) of Rs. 59.29 crore, net operating income of Rs. 262.34 crore, operating expenses of Rs. 150.75 crore, operating profit of Rs. 111.59 crore, non-operating income/(expense) of Rs. 1.44 crore, profit before income tax of Rs. 110.15 crore, income tax expense of Rs. 35.71 crore and profit for the year of Rs. 74.44 crore.

Reported under net interest income: interest income of Rs. 637.78 crore and interest expense of Rs. 376.19 crore. Reported under net fee and commission income: fee and commission income of Rs. 32.83 crore and fee and commission expense of Rs. 4.92 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 100.75 crore, other operating expenses of Rs. 39.66 crore and depreciation & amortisation of Rs. 10.34 crore. Reported under non-operating income/(expense): non-operating income of Rs. 1.33 crore and non-operating expense of Rs. 2.77 crore. Reported under income tax expense: current tax of Rs. 51.04 crore and deferred tax of Rs. 15.33 crore.

HBL quarterly for Q4 2081/82

In the quarter Q4 2081/82, Himalayan Bank Limited reported net interest income of Rs. 282.57 crore, net fee and commission income of Rs. 45.04 crore, net trading income of Rs. 19.05 crore, other operating income of Rs. 14.7 crore, total operating income of Rs. 361.36 crore, impairment charge/(reversal) of Rs. 20.57 crore, net operating income of Rs. 340.79 crore, operating expenses of Rs. 166.98 crore, operating profit of Rs. 173.81 crore, non-operating income/(expense) of Rs. 25.19 crore, profit before income tax of Rs. 148.62 crore, income tax expense of Rs. 39.55 crore and profit for the year of Rs. 109.07 crore.

Reported under net interest income: interest income of Rs. 686.08 crore and interest expense of Rs. 403.51 crore. Reported under net fee and commission income: fee and commission income of Rs. 50.11 crore and fee and commission expense of Rs. 5.07 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 114.52 crore, other operating expenses of Rs. 12.82 crore and depreciation & amortisation of Rs. 39.63 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.72 crore and non-operating expense of Rs. 25.91 crore. Reported under income tax expense: current tax of Rs. 43.83 crore and deferred tax of Rs. 4.28 crore.

HBL Profit & Loss

Values in Rs. Crore unless stated otherwise.

Particulars	2081/82	2080/81	2079/80	2076/77
Net Interest Income	1,092	1,196	1,010	484
Interest Income	2,838	3,614	2,938	1,219
Interest Expense	-1,746	-2,418	-1,928	-735
Net Fee and Commission Income	128	114	101	68.6
Fee and Commission Income	146	131	116	74.8
Fee and Commission Expense	-17.8	-16.5	-15.1	-6.2
Net Trading Income	66.6	44.1	38.3	76.6
Other Operating Income	35.1	6.9	24.0	8.9
Total Operating Income	1,323	1,361	1,172	638
Impairment Charge/(Reversal)	-379	-529	-488	-30.6
Net Operating Income	943	832	684	608
Operating Expenses	-570	-530	-376	-272
Operating Expense - Personnel Expenses	-367	-322	-216	-165
Other Operating Expenses	-134	-135	-111	-88.7
Depreciation & Amortisation	-69.3	-73.5	-49.0	-18.2
Operating Profit	373	302	308	336
Non-Operating Income/(Expense)	-313	-98.2	-100	37.4
Non-Operating Income	23.1	14.2	6.6	62.5
Non-Operating Expense	-336	-112	-107	-25.1
Profit Before Income Tax	59.5	204	207	373
Income Tax Expense	-4.8	-57.4	-48.0	-97.2
Current Tax	-180	-218	-151	-97.9
Deferred Tax	175	161	103	0.75
Profit for the Year	54.8	146	159	276

HBL Balance Sheet

Values in Rs. Crore unless stated otherwise.

Particulars	2081/82	2080/81	2079/80	2076/77
Total Assets	37,682	36,076	34,100	15,692
Cash and Cash Equivalents	1,018	863	1,902	734
Due from Nepal Rastra Bank	3,695	3,571	2,026	1,241
Placement with Banks and FIs	1,839	1,051	514	634
Derivative Financial Instruments	4.0	2.6	3.0	11.6
Other Trading Assets	12.4	7.0	2.7	0.62
Loans and Advances to Banks and FIs	848	955	987	500
Loans and Advances to Customers	23,533	23,351	23,178	10,173
Investment Securities	4,093	4,279	3,774	1,826
Current Tax Assets	32.9	32.1	55.8	35.5
Investment in Subsidiaries	0.00	0.00	0.00	0.00
Investment in Associates	196	175	161	127
Investment Property	566	241	58.9	38.0
Property and Equipment	836	828	795	242
Goodwill and Intangible Assets	97.2	98.6	99.6	15.2
Deferred Tax Assets	351	171	2.5	0.00
Other Assets	559	450	540	113
Total Liabilities	33,767	32,201	30,354	13,824
Due to Banks and FIs	345	383	519	660
Due to Nepal Rastra Bank	0.00	0.00	54.7	15.6
Derivative Financial Instruments	6.0	1.4	0.88	7.6
Deposits from Customers	30,931	29,349	27,435	12,510
Borrowings	191	231	245	0.00
Current Tax Liabilities	0.00	0.00	0.00	0.00
Provisions	0.00	0.00	0.00	0.00
Deferred Tax Liabilities	0.00	0.00	0.00	9.6
Other Liabilities	1,457	1,399	1,262	366
Debt Securities Issued	839	838	838	256
Subordinated Liabilities	0.00	0.00	0.00	0.00
Total Equity	3,915	3,875	3,746	1,867
Share Capital	2,166	2,166	2,166	937
Share Premium	0.00	0.00	0.00	0.00
Retained Earnings	-665	-559	-160	358
Reserves	2,384	2,242	1,710	572
Non Controlling Interest	30.2	26.1	29.9	0.00

HBL Cash Flow

Values in Rs. Crore unless stated otherwise.

Particulars	2081/82	2080/81	2079/80	2076/77
Net Cash Flow from Operating Activities (A)	-200	-667	-910	73.7
Interest Received	2,312	2,949	2,513	1,076
Fees and Other Income Received	146	131	116	74.9
Dividend Received	0.00	0.00	0.00	0.00
Receipts from Other Operating Activities	109	68.3	57.1	127
Interest Paid	-1,671	-2,248	-1,834	-676
Commission and Fees Paid	-17.7	-16.3	-15.1	-6.2
Cash Payment to Employees	-297	-315	-222	-165
Other Expense Paid	-134	-173	-111	-114
Operating Cash Flows Before Changes in Operating Assets and Liabilities	447	395	503	317
Due from Nepal Rastra Bank	-124	-1,545	-673	-752
Placement with Banks and Financial Institutions	-787	-538	-89.0	-342
Other Trading Assets	-5.4	-4.3	-2.4	0.00
Loan and Advances to Banks and Financial Institutions	139	31.1	177	-23.0
Loan and Advances to Customers	-1,036	-634	-107	-910
Other Assets	-169	77.8	-188	-2.6
Due to Banks and Financial Institutions	-37.8	-136	-1.3	289
Due to Nepal Rastra Bank	0.00	-54.7	-1,881	-40.5
Deposit from Customers	1,582	1,914	1,249	1,591
Borrowings	-40.5	-14.4	37.0	0.00
Other Liabilities	13.0	35.0	178	57.5
Net Cash Flow from Operating Activities Before Tax Paid	-19.6	-473	-797	1,898
Income Taxes Paid	-180	-195	-113	-111
Net Cash Flow from Investing Activities (B)	449	-266	1,370	-104
Purchase of Investment Securities	171	-520	-297	-1,652
Receipts from Sale of Investment Securities	0.00	0.00	1,480	1,467
Purchase of Property and Equipment	-66.9	-38.5	-47.0	-18.5
Receipt from Sale of Property and Equipment	0.00	-5.4	3.4	0.97
Purchase of Intangible Assets	-10.8	-10.0	-19.5	-7.1
Receipt from Sale of Intangible Assets	0.00	0.00	0.00	0.00
Purchase of Investment Properties	0.00	0.00	0.00	0.00
Receipt from Sale of Investment Properties	17.6	0.13	0.70	0.00
Interest Received	331	304	248	99.3
Dividend Received	6.7	4.6	1.3	5.9
Net Cash Flow from Financing Activities (C)	-94.9	-103	15.9	69.3
Receipt from Issue of Debt Securities	0.00	0.00	250	257
Repayment of Debt Securities	0.00	0.00	0.00	-60.0
Receipt from Issue of Subordinated Liabilities	0.00	0.00	0.00	0.00
Repayment of Subordinated Liabilities	0.00	0.00	0.00	0.00
Receipt from Issue of Shares	0.00	0.00	0.00	0.00
Dividends Paid	-0.42	-0.51	-179	-95.8
Interest Paid	-94.5	-102	-55.4	-31.8
Other Receipt/Payment	0.00	0.00	0.00	0.00
Net Increase/(Decrease) in Cash and Cash Equivalents	154	-1,036	476	38.9
Cash and Cash Equivalents at Shrawan 01 (Beginning of the Year)	863	1,902	1,427	697
Effect of Exchange Rate Fluctuations on Cash and Cash Equivalents Held	0.21	-3.0	-0.32	-1.4
Cash and Cash Equivalents at Ashadh End	1,018	863	1,902	734

HBL Quarterly Results

Values in Rs. Crore unless stated otherwise.

Particulars	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	226	230	262	283	262	288	254	329	269	272	327
Interest Income	564	574	638	686	652	722	772	885	861	908	962
Interest Expense	-338	-343	-376	-404	-390	-434	-518	-556	-592	-636	-635
Net Fee and Commission Income	29.9	22.4	27.9	45.0	34.2	24.6	29.9	30.2	25.7	24.8	32.4
Fee and Commission Income	32.9	25.0	32.8	50.1	38.6	29.5	34.8	35.1	29.3	28.8	36.0
Fee and Commission Expense	-3.0	-2.5	-4.9	-5.1	-4.4	-4.9	-4.9	-4.8	-3.6	-4.0	-3.7
Net Trading Income	22.8	17.1	19.9	19.1	20.5	16.6	10.0	11.0	10.3	10.8	10.2
Other Operating Income	-6.3	12.7	12.2	14.7	4.2	8.7	6.1	2.2	-0.15	4.2	1.7
Total Operating Income	272	283	322	361	321	338	300	373	305	312	371
Impairment Charge/(Reversal)	-210	-46.8	-59.3	-20.6	-113	-51.8	32.1	-55.4	-30.7	-119	-76.3
Net Operating Income	62.3	236	262	341	208	287	332	317	274	193	295
Operating Expenses	-132	-150	-151	-167	-131	-151	-144	-151	-140	-120	-140
Operating Expense - Personnel Expenses	-79.9	-98.6	-101	-115	-80.4	-101	-92.8	-92.9	-90.0	-73.8	-84.0
Other Operating Expenses	-41.5	-40.6	-39.7	-12.8	-39.6	-40.2	-41.3	-14.1	-40.1	-36.4	-46.2
Depreciation & Amortisation	-11.0	-10.7	-10.3	-39.6	-10.5	-9.6	-9.5	-43.8	-9.5	-9.5	-10.1
Operating Profit	-70.1	85.9	112	174	77.2	136	189	166	135	73.3	154
Non-Operating Income/(Expense)	-7.2	-1.7	-1.4	-25.2	-215	-17.7	-77.5	-60.5	-46.8	-4.3	0.08
Non-Operating Income	0.16	0.11	1.3	0.72	0.52	0.04	0.04	0.36	0.00	0.47	0.08
Non-Operating Expense	-7.3	-1.8	-2.8	-25.9	-215	-17.8	-77.5	-60.8	-46.8	-4.8	0.00
Profit Before Income Tax	-77.3	84.2	110	149	-137	118	111	106	88.0	68.9	155
Income Tax Expense	21.3	-20.9	-35.7	-39.5	41.4	-35.4	-33.3	-15.3	-40.8	-22.0	-46.4
Current Tax	-42.1	-29.5	-51.0	-43.8	-41.2	-59.6	-30.7	-56.0	-55.3	-54.6	-43.7
Deferred Tax	63.5	8.5	15.3	4.3	82.6	24.2	-2.6	40.7	14.5	32.6	-2.7
Profit for the Year	-56.0	63.3	74.4	109	-96.0	82.4	77.9	90.6	47.2	46.9	108

Himalayan Bank share price history

Over the last 15 trading sessions HBL closed between Rs. 185.20 and Rs. 200.00, finishing at Rs. 200.00 on 2026-09-22 against Rs. 189.50 on 2026-08-26.

Date	Open	High	Low	Close	Volume
2026-09-22	198.00	202.00	197.00	200.00	1,16,095
2026-09-18	194.00	199.50	192.70	198.00	1,08,485
2026-09-17	196.00	197.90	193.70	194.40	45,993
2026-09-16	190.00	199.80	190.00	194.00	70,051
2026-09-15	195.00	205.00	193.00	195.10	1,11,185
2026-09-14	188.00	191.00	187.00	190.00	39,261
2026-09-11	185.20	188.00	185.00	188.00	49,771
2026-09-10	187.00	188.00	185.00	185.20	51,294
2026-09-09	188.00	188.00	185.10	186.00	44,416
2026-09-07	188.00	189.00	186.00	189.00	78,585
2026-09-03	185.00	187.90	184.00	187.60	34,664
2026-09-02	186.00	188.90	183.00	187.50	71,755
2026-09-01	185.50	188.00	185.50	186.80	36,459
2026-08-31	187.00	188.00	185.40	186.80	43,451
2026-08-26	190.00	190.00	186.00	189.50	37,365

HBL share price by year

2026, between Rs. 183.00 and Rs. 237.00, 2025, between Rs. 184.00 and Rs. 261.00, 2024, between Rs. 167.10 and Rs. 312.10, 2023, between Rs. 193.00 and Rs. 341.94, 2022, between Rs. 268.52 and Rs. 361.85 and 2021, between Rs. 363.87 and Rs. 458.46.

Year	Low (Rs.)	High (Rs.)	Sessions
2026	183.00	237.00	168
2025	184.00	261.00	225
2024	167.10	312.10	232
2023	193.00	341.94	227
2022	268.52	361.85	142
2021	363.87	458.46	89
2020	302.46	501.19	184
2019	254.28	391.76	244
2018	275.19	397.44	232
2017	340.66	530.22	230
2016	289.90	539.16	231
2015	167.37	346.46	213

Himalayan Bank share price returns

At Rs. 200.00 on 2026-09-22, HBL is up 3.09% over 1 week, up 5.37% over 1 month, up 2.62% over 3 months, down 12.47% over 6 months, down 0.05% over 1 year and down 45.83% 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	+3.09%	194.00	2026-09-16
1 month	+5.37%	189.80	2026-08-24
3 months	+2.62%	194.90	2026-06-25
6 months	-12.47%	228.50	2026-03-26
1 year	-0.05%	200.10	2025-09-23
5 years	-45.83%	369.21	2021-05-13

HBL floorsheet for 2026-09-22

HBL traded 1,017 times on 2026-09-22, moving 1,13,309 shares for Rs. 2.26 crore of turnover. Trades went through between Rs. 197.00 and Rs. 202.00.

Largest buyers by volume: broker 58, Naasa Securities Co. Ltd. on 34,600 shares across 246 trades, broker 45, Imperial Securities Co. Limited on 15,969 shares across 75 trades, broker 49, Online Securities Limited on 7,926 shares across 161 trades, broker 4, Stock Broker Opal Securities Investment Pvt. Limited on 5,680 shares across 47 trades, broker 74, Kalash Stock Market Pvt. Ltd. on 5,615 shares across 28 trades, broker 34, Vision Securities Pvt.Limited on 4,533 shares across 7 trades, broker 29, Trishul Securities And Investment Limited on 4,320 shares across 13 trades, broker 57, Arya Tara Investment And Securities Pvt. Ltd. on 3,320 shares across 31 trades, broker 42, Sani Securities Company Limited on 3,305 shares across 40 trades and broker 8, Ashutosh Brokerage & Securities Pvt. Limited on 2,620 shares across 20 trades.

Largest sellers by volume: broker 91, C.B.I.L. Securities Limited on 29,897 shares across 38 trades, broker 58, Naasa Securities Co. Ltd. on 16,301 shares across 209 trades, broker 38, Dipshika Dhitopatra Karobar Co. Pvt.Limited on 5,245 shares across 57 trades, broker 45, Imperial Securities Co. Limited on 5,020 shares across 41 trades, broker 42, Sani Securities Company Limited on 3,687 shares across 46 trades, broker 34, Vision Securities Pvt.Limited on 3,375 shares across 40 trades, broker 83, Sanima Securities Limited on 2,928 shares across 10 trades, broker 96, Himalayan Securities Limited on 2,830 shares across 9 trades, broker 39, Sumeru Securities Pvt.Limited on 2,440 shares across 20 trades and broker 35, Kohinoor Investment and Securities Pvt.Ltd on 2,425 shares across 20 trades.

HBL dividend history: bonus shares and cash dividend

Himalayan Bank Limited most recently declared an 8% bonus share issue and an 11.11% cash dividend, 19.11% in total for 2078/2079, announced on 2022-12-22. 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
2078/2079	8%	11.11%	2022-12-22
2077/2078	21.38%	4.62%	2021-12-26

For 2078/2079 Himalayan Bank Limited declared an 8% bonus share issue and an 11.11% cash dividend, 19.11% in total, announced on 2022-12-22.

For 2077/2078 Himalayan Bank Limited declared a 21.38% bonus share issue and a 4.62% cash dividend, 26% in total, announced on 2021-12-26.

HBL general meetings

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

33rd AGM for 2081/2082: on 2026-01-14, at Nepal Army Officer's Club, Bhadrakali, Kathmandu (11:00 AM)
32nd AGM for 2080/2081: on 2025-01-13, at Nepal Army Officer's Club, Bhadrakali, Kathmandu (10:00 AM)
31st AGM for 2079/2080: on 2024-01-14, at Nepal Pragya Pratisthan, Kamaladi, Kathmandu (9:00 AM)

4 years of annual statements and 11 quarters of results for HBL, with charts and peer comparison, are free on NepView.

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