Kamana Sewa Bikas Bank Limited (KSBBL) Share Price & Fundamentals

Kamana Sewa Bikas Bank (KSBBL) share price is Rs. 456.00, up 0.44% on 2026-10-13. Open Rs. 454.00. High Rs. 459.90. Low Rs. 454.00. Volume 7,282.

Kamana Sewa Bikas Bank Limited is a NEPSE-listed company (KSBBL), Development Banks sector. Revenue: Rs. 286.99 Crore. Net profit: Rs. 90.86 Crore. Net worth: Rs. 698.12 Crore.

About Kamana Sewa Bikas Bank Limited

Kamana Sewa Bikas Bank Limited is a national-level Class 'B' development bank licensed by Nepal Rastra Bank, formed in 2016 through the merger of Kamana Bikas Bank and Sewa Bikas Bank and listed on NEPSE in 2017. It is headquartered in Kathmandu and provides deposit, credit, remittance and digital banking services nationwide, with a paid-up capital of roughly NPR 3.9 billion. The bank has grown largely through consolidation of regional development banks.

Kamana Sewa Bikas Bank Limited (KSBBL) has 3,86,19,308 shares outstanding. It listed on NEPSE in 2017. Its most recent declared dividend was 5.79% on face value.

KSBBL key metrics

KSBBL strengths

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

• Profit grew 35.7% on last year. (Growth)
• 96.4% of its funding comes from customer deposits, which are cheap and stable. (Liquidity & Funding)
• Bad-loan charges come to 5% of income, so borrowers are paying back well. (Asset Quality)
• Lends out 81.9% of deposits, comfortably within the 90% Nepal Rastra Bank allows. (Liquidity & Funding)
• 85% of income comes from lending, which is steady and predictable. (Margins & Income Quality)
• Turns 31.7% of its income into profit once every cost is paid. (Profitability)
• Keeps 47.9% of income as profit from everyday banking, before tax. (Profitability)
• 12.1% of income comes from fees and commissions, so it does not depend on lending alone. (Margins & Income Quality)
• Each share is backed by Rs 180.77 of the bank's own net worth. (Shareholder Returns)

KSBBL 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 13%, below what owners would hope for. (Profitability)
• Only 2.9% of income comes from outside interest, so a change in rates hits hard. (Margins & Income Quality)
• Return on everything it owns is 1.2%, so its assets are not producing much. (Profitability)
• Makes only 3.2% from the gap between lending and deposit rates, so core earnings are squeezed. (Margins & Income Quality)
• Staff costs take 31.1% of income, a heavy load on earnings. (Efficiency)
• Only 9.2% of what it owns belongs to shareholders, so there is less cushion for losses. (Capital Strength)
• Each share produced Rs 23.53 over the year. (Shareholder Returns)
• Income from lending moved 5.2%, so the core business is not growing. (Growth)
• Owns 10.84x for every rupee shareholders put in. A high multiple magnifies losses as well as gains. (Capital Strength)
• The loan book moved 8.2%, so lending is not expanding. (Growth)
• Deposits moved 5.3%, so its cheapest source of funding is not growing. (Growth)
• Total income moved 6.2% on last year. (Growth)
• Loans are 71.6% of what the bank owns, so most of its risk sits in lending. (Asset Quality)
• The bank's size moved 5.9% over the year. (Shareholder Returns)

KSBBL Q4 2082/83 results

In Q4 2082/83 Kamana Sewa Bikas Bank Limited reported profit of Rs. 30.55 crore and total operating income of Rs. 71.23 crore. Profit in Q3 2082/83 was Rs. 19.41 crore. Profit grew 57.34% on the previous quarter. Total operating income grew 2.12% on the previous quarter. Profit in Q4 2081/82, the same quarter a year earlier, was Rs. 14.21 crore. Profit grew 114.96% on the same quarter last year. Total operating income grew 6.17% on the same quarter last year.

KSBBL annual results 2082/83

For the financial year 2082/83 Kamana Sewa Bikas Bank Limited reported net profit of Rs. 90.86 crore, total operating income of Rs. 286.99 crore and net worth of Rs. 698.12 crore. Net profit in 2081/82 was Rs. 66.98 crore. Net profit grew 35.66% on the year. Total operating income grew 6.24% on the year.

KSBBL profit and loss for 2082/83

In the financial year 2082/83, Kamana Sewa Bikas Bank Limited reported net interest income of Rs. 243.91 crore, net fee and commission income of Rs. 34.84 crore, net trading income of Rs. 0.07 crore, other operating income of Rs. 8.17 crore, total operating income of Rs. 286.99 crore, impairment charge/(reversal) of Rs. 14.24 crore, net operating income of Rs. 272.74 crore, operating expenses of Rs. 135.37 crore, operating profit of Rs. 137.37 crore, non-operating income/(expense) of Rs. 5.4 crore, profit before income tax of Rs. 131.96 crore, income tax expense of Rs. 41.11 crore and profit for the year of Rs. 90.86 crore.

Reported under net interest income: interest income of Rs. 522.1 crore and interest expense of Rs. 278.2 crore. Reported under net fee and commission income: fee and commission income of Rs. 37.37 crore and fee and commission expense of Rs. 2.53 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 89.37 crore, other operating expenses of Rs. 31.07 crore and depreciation & amortisation of Rs. 14.93 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.25 crore and non-operating expense of Rs. 5.66 crore. Reported under income tax expense: current tax of Rs. 43.18 crore and deferred tax of Rs. 2.07 crore.

KSBBL profit and loss for 2081/82

In the financial year 2081/82, Kamana Sewa Bikas Bank Limited reported net interest income of Rs. 231.85 crore, net fee and commission income of Rs. 31.02 crore, net trading income of Rs. 0.08 crore, other operating income of Rs. 7.18 crore, total operating income of Rs. 270.13 crore, impairment charge/(reversal) of Rs. 41.81 crore, net operating income of Rs. 228.32 crore, operating expenses of Rs. 124.27 crore, operating profit of Rs. 104.05 crore, non-operating income/(expense) of Rs. 4.76 crore, profit before income tax of Rs. 99.29 crore, income tax expense of Rs. 32.32 crore and profit for the year of Rs. 66.98 crore.

Reported under net interest income: interest income of Rs. 594.87 crore and interest expense of Rs. 363.02 crore. Reported under net fee and commission income: fee and commission income of Rs. 33.57 crore and fee and commission expense of Rs. 2.55 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 79.74 crore, other operating expenses of Rs. 28.71 crore and depreciation & amortisation of Rs. 15.83 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.38 crore and non-operating expense of Rs. 5.14 crore. Reported under income tax expense: current tax of Rs. 32.4 crore and deferred tax of Rs. 0.08 crore.

KSBBL profit and loss for 2080/81

In the financial year 2080/81, Kamana Sewa Bikas Bank Limited reported net interest income of Rs. 213.25 crore, net fee and commission income of Rs. 26.95 crore, net trading income of Rs. 0.05 crore, other operating income of Rs. 12.43 crore, total operating income of Rs. 252.68 crore, impairment charge/(reversal) of Rs. 35.82 crore, net operating income of Rs. 216.86 crore, operating expenses of Rs. 120.07 crore, operating profit of Rs. 96.79 crore, non-operating income/(expense) of Rs. 6.93 crore, profit before income tax of Rs. 89.86 crore, income tax expense of Rs. 31.68 crore and profit for the year of Rs. 58.18 crore.

Reported under net interest income: interest income of Rs. 704.05 crore and interest expense of Rs. 490.79 crore. Reported under net fee and commission income: fee and commission income of Rs. 29.85 crore and fee and commission expense of Rs. 2.9 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 76.12 crore, other operating expenses of Rs. 26.69 crore and depreciation & amortisation of Rs. 17.26 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.07 crore and non-operating expense of Rs. 7 crore. Reported under income tax expense: current tax of Rs. 31.77 crore and deferred tax of Rs. 0.09 crore.

KSBBL balance sheet for 2082/83

In the financial year 2082/83, Kamana Sewa Bikas Bank Limited reported total assets of Rs. 7,565.66 crore, total liabilities of Rs. 6,867.54 crore and total equity of Rs. 698.12 crore.

Reported under total assets: cash and cash equivalents of Rs. 149.29 crore, due from nepal rastra bank of Rs. 264.41 crore, placement with banks and fis of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, other trading assets of Rs. 0 crore, loans and advances to banks and fis of Rs. 158.45 crore, loans and advances to customers of Rs. 5,420.39 crore, investment securities of Rs. 1,375.13 crore, current tax assets of Rs. 0 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investment property of Rs. 36.41 crore, property and equipment of Rs. 82.63 crore, goodwill and intangible assets of Rs. 1.23 crore, deferred tax assets of Rs. 5.82 crore and other assets of Rs. 71.91 crore. Reported under total liabilities: due to banks and fis of Rs. 56.61 crore, due to nepal rastra bank of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, deposits from customers of Rs. 6,617.75 crore, borrowings of Rs. 0 crore, current tax liabilities of Rs. 0.5 crore, provisions of Rs. 2.82 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 90.27 crore, debt securities issued of Rs. 99.59 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 421.19 crore, share premium of Rs. 0 crore, retained earnings of Rs. 61.27 crore, reserves of Rs. 215.66 crore and non controlling interest of Rs. 0 crore.

KSBBL balance sheet for 2081/82

In the financial year 2081/82, Kamana Sewa Bikas Bank Limited reported total assets of Rs. 7,145.46 crore, total liabilities of Rs. 6,551.71 crore and total equity of Rs. 593.75 crore.

Reported under total assets: cash and cash equivalents of Rs. 178.67 crore, due from nepal rastra bank of Rs. 272.4 crore, placement with banks and fis of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, other trading assets of Rs. 0 crore, loans and advances to banks and fis of Rs. 253.79 crore, loans and advances to customers of Rs. 5,007.75 crore, investment securities of Rs. 1,229.09 crore, current tax assets of Rs. 0 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investment property of Rs. 35.42 crore, property and equipment of Rs. 93.21 crore, goodwill and intangible assets of Rs. 1.33 crore, deferred tax assets of Rs. 3.25 crore and other assets of Rs. 70.55 crore. Reported under total liabilities: due to banks and fis of Rs. 66.74 crore, due to nepal rastra bank of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, deposits from customers of Rs. 6,283.43 crore, borrowings of Rs. 0 crore, current tax liabilities of Rs. 1.17 crore, provisions of Rs. 2.7 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 97.96 crore, debt securities issued of Rs. 99.71 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 351.08 crore, share premium of Rs. 0 crore, retained earnings of Rs. 58.76 crore, reserves of Rs. 183.9 crore and non controlling interest of Rs. 0 crore.

KSBBL balance sheet for 2080/81

In the financial year 2080/81, Kamana Sewa Bikas Bank Limited reported total assets of Rs. 6,718.9 crore, total liabilities of Rs. 6,180.47 crore and total equity of Rs. 538.43 crore.

Reported under total assets: cash and cash equivalents of Rs. 177.44 crore, due from nepal rastra bank of Rs. 239.7 crore, placement with banks and fis of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, other trading assets of Rs. 0 crore, loans and advances to banks and fis of Rs. 312.17 crore, loans and advances to customers of Rs. 4,597.96 crore, investment securities of Rs. 1,169.62 crore, current tax assets of Rs. 0 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investment property of Rs. 35.21 crore, property and equipment of Rs. 99.15 crore, goodwill and intangible assets of Rs. 1.36 crore, deferred tax assets of Rs. 5.4 crore and other assets of Rs. 80.89 crore. Reported under total liabilities: due to banks and fis of Rs. 62.67 crore, due to nepal rastra bank of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, deposits from customers of Rs. 5,906.67 crore, borrowings of Rs. 0 crore, current tax liabilities of Rs. 2.48 crore, provisions of Rs. 1.65 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 107.38 crore, debt securities issued of Rs. 99.62 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 328.12 crore, share premium of Rs. 0 crore, retained earnings of Rs. 41.12 crore, reserves of Rs. 169.2 crore and non controlling interest of Rs. 0 crore.

KSBBL cash flow for 2082/83

In the financial year 2082/83, Kamana Sewa Bikas Bank Limited reported net cash flow from operating activities (a) of Rs. 82.35 crore, net cash flow from investing activities (b) of Rs. 93.37 crore, net cash flow from financing activities (c) of Rs. 18.35 crore, net increase/(decrease) in cash and cash equivalents of Rs. 29.37 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 178.67 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. 149.29 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 468.69 crore, fees and other income received of Rs. 37.37 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 3.36 crore, interest paid of Rs. 264.66 crore, commission and fees paid of Rs. 2.53 crore, cash payment to employees of Rs. 80.33 crore, other expense paid of Rs. 41.17 crore, operating cash flows before changes in operating assets and liabilities of Rs. 120.73 crore, due from nepal rastra bank of Rs. 7.99 crore, placement with banks and financial institutions of Rs. 0 crore, other trading assets of Rs. 0 crore, loan and advances to banks and financial institutions of Rs. 95.34 crore, loan and advances to customers of Rs. 412.64 crore, other assets of Rs. 3.93 crore, due to banks and financial institutions of Rs. 10.13 crore, due to nepal rastra bank of Rs. 0 crore, deposit from customers of Rs. 334.32 crore, borrowings of Rs. 0 crore, other liabilities of Rs. 8.24 crore, net cash flow from operating activities before tax paid of Rs. 123.45 crore and income taxes paid of Rs. 41.11 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 146.04 crore, receipts from sale of investment securities of Rs. 0 crore, purchase of property and equipment of Rs. 4.76 crore, receipt from sale of property and equipment of Rs. 0.62 crore, purchase of intangible assets of Rs. 0.49 crore, receipt from sale of intangible assets of Rs. 0 crore, purchase of investment properties of Rs. 0.99 crore, receipt from sale of investment properties of Rs. 0 crore, interest received of Rs. 53.41 crore and dividend received of Rs. 4.88 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. 35 crore, dividends paid of Rs. 20.33 crore, interest paid of Rs. 9.09 crore and other receipt/payment of Rs. 23.93 crore.

KSBBL cash flow for 2081/82

In the financial year 2081/82, Kamana Sewa Bikas Bank Limited reported net cash flow from operating activities (a) of Rs. 82.63 crore, net cash flow from investing activities (b) of Rs. 12.59 crore, net cash flow from financing activities (c) of Rs. 68.82 crore, net increase/(decrease) in cash and cash equivalents of Rs. 1.23 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 177.44 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. 178.67 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 541.68 crore, fees and other income received of Rs. 33.57 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 4.43 crore, interest paid of Rs. 349.28 crore, commission and fees paid of Rs. 2.55 crore, cash payment to employees of Rs. 73.93 crore, other expense paid of Rs. 38.51 crore, operating cash flows before changes in operating assets and liabilities of Rs. 115.42 crore, due from nepal rastra bank of Rs. 32.71 crore, placement with banks and financial institutions of Rs. 0 crore, other trading assets of Rs. 0 crore, loan and advances to banks and financial institutions of Rs. 58.38 crore, loan and advances to customers of Rs. 409.79 crore, other assets of Rs. 12.5 crore, due to banks and financial institutions of Rs. 4.07 crore, due to nepal rastra bank of Rs. 0 crore, deposit from customers of Rs. 376.76 crore, borrowings of Rs. 0 crore, other liabilities of Rs. 9.68 crore, net cash flow from operating activities before tax paid of Rs. 114.95 crore and income taxes paid of Rs. 32.32 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 59.47 crore, receipts from sale of investment securities of Rs. 0 crore, purchase of property and equipment of Rs. 9.07 crore, receipt from sale of property and equipment of Rs. 0.57 crore, purchase of intangible assets of Rs. 0.41 crore, receipt from sale of intangible assets of Rs. 0 crore, purchase of investment properties of Rs. 0.2 crore, receipt from sale of investment properties of Rs. 0 crore, interest received of Rs. 53.18 crore and dividend received of Rs. 2.82 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. 16.41 crore, interest paid of Rs. 9.07 crore and other receipt/payment of Rs. 43.35 crore.

KSBBL cash flow for 2080/81

In the financial year 2080/81, Kamana Sewa Bikas Bank Limited reported net cash flow from operating activities (a) of Rs. 123.9 crore, net cash flow from investing activities (b) of Rs. 321.04 crore, net cash flow from financing activities (c) of Rs. 44.74 crore, net increase/(decrease) in cash and cash equivalents of Rs. 241.87 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 419.31 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. 177.44 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 647.04 crore, fees and other income received of Rs. 29.85 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 11.4 crore, interest paid of Rs. 476.3 crore, commission and fees paid of Rs. 2.9 crore, cash payment to employees of Rs. 68.45 crore, other expense paid of Rs. 39.12 crore, operating cash flows before changes in operating assets and liabilities of Rs. 101.52 crore, due from nepal rastra bank of Rs. 22.96 crore, placement with banks and financial institutions of Rs. 0 crore, other trading assets of Rs. 0 crore, loan and advances to banks and financial institutions of Rs. 92.66 crore, loan and advances to customers of Rs. 212.83 crore, other assets of Rs. 13.31 crore, due to banks and financial institutions of Rs. 163.68 crore, due to nepal rastra bank of Rs. 0 crore, deposit from customers of Rs. 559.43 crore, borrowings of Rs. 0 crore, other liabilities of Rs. 0.06 crore, net cash flow from operating activities before tax paid of Rs. 155.58 crore and income taxes paid of Rs. 31.68 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 377.57 crore, receipts from sale of investment securities of Rs. 0 crore, purchase of property and equipment of Rs. 4.43 crore, receipt from sale of property and equipment of Rs. 1.12 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. 2.22 crore, receipt from sale of investment properties of Rs. 0 crore, interest received of Rs. 57.01 crore and dividend received of Rs. 1.08 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 crore, interest paid of Rs. 9.06 crore and other receipt/payment of Rs. 35.68 crore.

KSBBL quarterly for Q4 2082/83

In the quarter Q4 2082/83, Kamana Sewa Bikas Bank Limited reported net interest income of Rs. 59.25 crore, net fee and commission income of Rs. 10.17 crore, net trading income of Rs. 0.02 crore, other operating income of Rs. 1.81 crore, total operating income of Rs. 71.23 crore, impairment charge/(reversal) of Rs. 14.97 crore, net operating income of Rs. 86.2 crore, operating expenses of Rs. 32.69 crore, operating profit of Rs. 53.51 crore, non-operating income/(expense) of Rs. 4.94 crore, profit before income tax of Rs. 48.57 crore, income tax expense of Rs. 18.02 crore and profit for the year of Rs. 30.55 crore.

Reported under net interest income: interest income of Rs. 128.16 crore and interest expense of Rs. 68.91 crore. Reported under net fee and commission income: fee and commission income of Rs. 10.94 crore and fee and commission expense of Rs. 0.78 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 22.78 crore, other operating expenses of Rs. 0.59 crore and depreciation & amortisation of Rs. 9.32 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.1 crore and non-operating expense of Rs. 5.04 crore. Reported under income tax expense: current tax of Rs. 18.02 crore and deferred tax of Rs. 0 crore.

KSBBL quarterly for Q3 2082/83

In the quarter Q3 2082/83, Kamana Sewa Bikas Bank Limited reported net interest income of Rs. 60.69 crore, net fee and commission income of Rs. 8.81 crore, net trading income of Rs. 0.02 crore, other operating income of Rs. 0.24 crore, total operating income of Rs. 69.76 crore, impairment charge/(reversal) of Rs. 9.91 crore, net operating income of Rs. 59.84 crore, operating expenses of Rs. 31.83 crore, operating profit of Rs. 28.01 crore, non-operating income/(expense) of Rs. 0.1 crore, profit before income tax of Rs. 27.91 crore and profit for the year of Rs. 19.41 crore.

Reported under net interest income: interest income of Rs. 124.32 crore and interest expense of Rs. 63.63 crore. Reported under net fee and commission income: fee and commission income of Rs. 9.43 crore and fee and commission expense of Rs. 0.61 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 19.94 crore, other operating expenses of Rs. 9.98 crore and depreciation & amortisation of Rs. 1.91 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.02 crore and non-operating expense of Rs. 0.12 crore.

KSBBL quarterly for Q2 2082/83

In the quarter Q2 2082/83, Kamana Sewa Bikas Bank Limited reported net interest income of Rs. 59.38 crore, net fee and commission income of Rs. 7.42 crore, net trading income of Rs. 0.02 crore, other operating income of Rs. 0.7 crore, total operating income of Rs. 67.52 crore, impairment charge/(reversal) of Rs. 7.64 crore, net operating income of Rs. 59.88 crore, operating expenses of Rs. 31.62 crore, operating profit of Rs. 28.26 crore, non-operating income/(expense) of Rs. 0.13 crore, profit before income tax of Rs. 28.14 crore and profit for the year of Rs. 19.7 crore.

Reported under net interest income: interest income of Rs. 127.43 crore and interest expense of Rs. 68.05 crore. Reported under net fee and commission income: fee and commission income of Rs. 7.94 crore and fee and commission expense of Rs. 0.52 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 19.71 crore, other operating expenses of Rs. 10 crore and depreciation & amortisation of Rs. 1.9 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.13 crore and non-operating expense of Rs. 0.25 crore.

KSBBL quarterly for Q1 2082/83

In the quarter Q1 2082/83, Kamana Sewa Bikas Bank Limited reported net interest income of Rs. 61.76 crore, net fee and commission income of Rs. 8.44 crore, net trading income of Rs. 0.02 crore, other operating income of Rs. 5.21 crore, total operating income of Rs. 75.44 crore, impairment charge/(reversal) of Rs. 11.07 crore, net operating income of Rs. 64.37 crore, operating expenses of Rs. 35.91 crore, operating profit of Rs. 28.46 crore, non-operating income/(expense) of Rs. 0.24 crore, profit before income tax of Rs. 28.23 crore and profit for the year of Rs. 19.76 crore.

Reported under net interest income: interest income of Rs. 139.36 crore and interest expense of Rs. 77.6 crore. Reported under net fee and commission income: fee and commission income of Rs. 9.06 crore and fee and commission expense of Rs. 0.62 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 24.28 crore, other operating expenses of Rs. 9.83 crore and depreciation & amortisation of Rs. 1.8 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.02 crore and non-operating expense of Rs. 0.25 crore.

KSBBL Profit & Loss

Values in Rs. Crore unless stated otherwise.

KSBBL Balance Sheet

Values in Rs. Crore unless stated otherwise.

KSBBL Cash Flow

Values in Rs. Crore unless stated otherwise.

KSBBL Quarterly Results

Values in Rs. Crore unless stated otherwise.

Kamana Sewa Bikas Bank share price history

Over the last 15 trading sessions KSBBL closed between Rs. 442.60 and Rs. 459.00, finishing at Rs. 456.00 on 2026-10-13 against Rs. 459.00 on 2026-09-22.

KSBBL share price by year

2026, between Rs. 430.20 and Rs. 534.00, 2025, between Rs. 378.18 and Rs. 534.55, 2024, between Rs. 264.23 and Rs. 479.86, 2023, between Rs. 233.64 and Rs. 322.85, 2022, between Rs. 237.61 and Rs. 480.10 and 2021, between Rs. 147.64 and Rs. 598.83.

Kamana Sewa Bikas Bank share price returns

At Rs. 456.00 on 2026-10-13, KSBBL is up 1.65% over 1 week, up 3.45% over 1 month, down 2.98% over 3 months, down 6.17% over 6 months, up 6.12% over 1 year and up 1.38% over 5 years. Each return compares that close with the last close on or before the same date in the earlier period.

KSBBL floorsheet for 2026-10-13

KSBBL traded 45 times on 2026-10-13, moving 7,282 shares for Rs. 0.33 crore of turnover. Trades went through between Rs. 454.00 and Rs. 459.90.

Largest buyers by volume: broker 66, Miyo Securities Pvt Ltd on 4,078 shares across 21 trades, broker 83, Sanima Securities Limited on 1,200 shares across 2 trades, broker 34, Vision Securities Pvt.Limited on 445 shares across 3 trades, broker 6, Agrawal Securities Pvt. Limited on 429 shares across 1 trades, broker 49, Online Securities Limited on 300 shares across 4 trades, broker 26, Asian Securities Pvt. Limited on 200 shares across 1 trades, broker 22, Siprabi Securities Pvt. Limited on 200 shares across 1 trades, broker 42, Sani Securities Company Limited on 149 shares across 2 trades, broker 45, Imperial Securities Co. Limited on 100 shares across 2 trades and broker 82, N.M.B. Securities Limited on 87 shares across 3 trades.

Largest sellers by volume: broker 50, Crystal Kanchenjunga Securities Pvt.Ltd on 1,915 shares across 9 trades, broker 49, Online Securities Limited on 1,445 shares across 3 trades, broker 71, Shubhakamana Securities Pvt. Ltd on 500 shares across 2 trades, broker 4, Stock Broker Opal Securities Investment Pvt. Limited on 500 shares across 1 trades, broker 94, K.B.L. Securities Limited on 500 shares across 1 trades, broker 1, Kumari Securities Pvt. Limited on 368 shares across 3 trades, broker 77, Nabil Stock Dealer Limited on 300 shares across 1 trades, broker 38, Dipshika Dhitopatra Karobar Co. Pvt.Limited on 286 shares across 4 trades, broker 34, Vision Securities Pvt.Limited on 229 shares across 2 trades and broker 41, Linch Stock Market Limited on 204 shares across 1 trades.

KSBBL dividend history: bonus shares and cash dividend

Kamana Sewa Bikas Bank Limited most recently declared a 10% bonus share issue and a 15% cash dividend, 25% in total for 2082/2083, announced on 2026-08-26. Percentages are of paid up value. Declared, not necessarily paid: a dividend is subject to the annual general meeting approving it.

For 2082/2083 Kamana Sewa Bikas Bank Limited declared a 10% bonus share issue and a 15% cash dividend, 25% in total, announced on 2026-08-26.

For 2081/2082 Kamana Sewa Bikas Bank Limited declared a 10% bonus share issue and a 5.7895% cash dividend, 15.7895% in total, announced on 2025-09-07.

For 2080/2081 Kamana Sewa Bikas Bank Limited declared a 7% bonus share issue and a 5% cash dividend, 12% in total, announced on 2024-09-24.

For 2078/2079 Kamana Sewa Bikas Bank Limited declared a 4.41% bonus share issue, announced on 2023-04-17.

KSBBL general meetings

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

• 20th AGM for 2082/2083: on 2026-09-16, at Amrapali Banquet, Bhatbhateni, Baluwatar Road, Kathmandu (11:00 AM)
• 19th AGM for 2082/2083: on 2025-10-10, at Lisara Reception, Bhagawati Bahal, Naxal, Kathmandu (11:00 AM)
• 18th AGM for 2080/2081: on 2024-10-16, at Lisara Reception, Bhagawati Bahal, Naxal, Kathmandu (10:30 AM)

6 years of annual statements and 12 quarters of results for KSBBL, with charts and peer comparison, are free on NepView.

New to these statements? How to read a profit and loss statement, How to read a balance sheet, How to read a cash flow statement, How to read quarterly results.

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