Lumbini Bikas Bank Ltd. (LBBL) Share Price & Fundamentals
Lumbini Bikas Bank (LBBL) share price is Rs. 490.80, down 0.47% on 2026-09-22. Open Rs. 485.00. High Rs. 497.00. Low Rs. 484.00. Volume 59,865.
Lumbini Bikas Bank Ltd. is a NEPSE-listed company (LBBL), Development Banks sector. Revenue: Rs. 228.15 Crore. Net profit: Rs. 85.1 Crore. Net worth: Rs. 689.21 Crore.
About Lumbini Bikas Bank Ltd.
Lumbini Bikas Bank Limited is a national-level Class 'B' development bank licensed by Nepal Rastra Bank, formed in 2017 through the merger of Lumbini Finance and Leasing Company and Vibor Society Development Bank, and listed on NEPSE the same year. Its head office is at Dillibazar, Kathmandu. The bank offers deposit, lending, remittance and digital banking services, with a paid-up capital of roughly NPR 3.6 billion. It has no subsidiary and reports on a standalone basis.
Lumbini Bikas Bank Ltd. (LBBL) has 3,62,36,782 shares outstanding. It listed on NEPSE in 2017.
LBBL key metrics
LBBL strengths
What Lumbini Bikas Bank Ltd.'s own accounts show in its favour, graded against the rest of its sector.
- Profit grew 253% on last year. (Growth)
- Bad-loan charges come to 5.9% of income, so borrowers are paying back well. (Asset Quality)
- 94.5% of its funding comes from customer deposits, which are cheap and stable. (Liquidity & Funding)
- Turns 37.3% of its income into profit once every cost is paid. (Profitability)
- 87.5% of income comes from lending, which is steady and predictable. (Margins & Income Quality)
- Keeps 53.4% of income as profit from everyday banking, before tax. (Profitability)
- Lends out 81.7% of deposits, comfortably within the 90% Nepal Rastra Bank allows. (Liquidity & Funding)
- 10.2% of what the bank owns belongs to shareholders rather than depositors and lenders. (Capital Strength)
- Owns 9.85x for every rupee shareholders put in, a modest multiple that limits risk. (Capital Strength)
- Each share is backed by Rs 190.2 of the bank's own net worth. (Shareholder Returns)
LBBL 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 3.5%, below what owners would hope for. (Profitability)
- Return on everything it owns is 0.4%, so its assets are not producing much. (Profitability)
- Makes only 2.7% from the gap between lending and deposit rates, so core earnings are squeezed. (Margins & Income Quality)
- Deposits moved -1.6%, so its cheapest source of funding is not growing. (Growth)
- The loan book moved 1.8%, so lending is not expanding. (Growth)
- The bank's size moved -1.8% over the year. (Shareholder Returns)
- Each share produced Rs 23.48 over the year. (Shareholder Returns)
- Income from lending moved 7.5%, so the core business is not growing. (Growth)
- Only 4.4% of income comes from outside interest, so a change in rates hits hard. (Margins & Income Quality)
- Only 8.1% of income comes from fees, so it leans heavily on lending. (Margins & Income Quality)
- Total income moved 6.1% on last year. (Growth)
- Staff costs take 25.3% of income, a heavy load on earnings. (Efficiency)
- Loans are 69.4% of what the bank owns, so most of its risk sits in lending. (Asset Quality)
LBBL Q4 2082/83 results
In Q4 2082/83 Lumbini Bikas Bank Ltd. reported profit of Rs. 28.93 crore and total operating income of Rs. 60.77 crore. Profit in Q3 2082/83 was Rs. 27.63 crore. Profit grew 4.71% on the previous quarter. Total operating income grew 8.53% on the previous quarter. Profit in Q4 2081/82, the same quarter a year earlier, was Rs. 33.01 crore. Profit fell 12.35% on the same quarter last year. Total operating income grew 4.14% on the same quarter last year.
LBBL annual results 2082/83
For the financial year 2082/83 Lumbini Bikas Bank Ltd. reported net profit of Rs. 85.1 crore, total operating income of Rs. 228.15 crore and net worth of Rs. 689.21 crore. Net profit in 2081/82 was Rs. 24.11 crore. Net profit grew 252.96% on the year. Total operating income grew 6.09% on the year.
LBBL profit and loss for 2082/83
In the financial year 2082/83, Lumbini Bikas Bank Ltd. reported net interest income of Rs. 199.72 crore, net fee and commission income of Rs. 18.43 crore, net trading income of Rs. 0 crore, other operating income of Rs. 9.99 crore, total operating income of Rs. 228.15 crore, impairment charge/(reversal) of Rs. 13.5 crore, net operating income of Rs. 214.64 crore, operating expenses of Rs. 92.86 crore, operating profit of Rs. 121.78 crore, non-operating income/(expense) of Rs. 0.8 crore, profit before income tax of Rs. 122.58 crore, income tax expense of Rs. 37.48 crore and profit for the year of Rs. 85.1 crore.
Reported under net interest income: interest income of Rs. 459.9 crore and interest expense of Rs. 260.18 crore. Reported under net fee and commission income: fee and commission income of Rs. 19.63 crore and fee and commission expense of Rs. 1.2 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 57.81 crore, other operating expenses of Rs. 29.92 crore and depreciation & amortisation of Rs. 5.13 crore. Reported under non-operating income/(expense): non-operating income of Rs. 3.36 crore and non-operating expense of Rs. 2.56 crore. Reported under income tax expense: current tax of Rs. 37.48 crore and deferred tax of Rs. 0 crore.
LBBL profit and loss for 2081/82
In the financial year 2081/82, Lumbini Bikas Bank Ltd. reported net interest income of Rs. 185.73 crore, net fee and commission income of Rs. 20.6 crore, net trading income of Rs. 0.01 crore, other operating income of Rs. 8.7 crore, total operating income of Rs. 215.04 crore, impairment charge/(reversal) of Rs. 77.88 crore, net operating income of Rs. 137.17 crore, operating expenses of Rs. 78.76 crore, operating profit of Rs. 58.41 crore, non-operating income/(expense) of Rs. 10.8 crore, profit before income tax of Rs. 47.61 crore, income tax expense of Rs. 23.49 crore and profit for the year of Rs. 24.11 crore.
Reported under net interest income: interest income of Rs. 562.25 crore and interest expense of Rs. 376.52 crore. Reported under net fee and commission income: fee and commission income of Rs. 21.65 crore and fee and commission expense of Rs. 1.05 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 45.92 crore, other operating expenses of Rs. 20.82 crore and depreciation & amortisation of Rs. 12.02 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.21 crore and non-operating expense of Rs. 11.01 crore. Reported under income tax expense: current tax of Rs. 23.97 crore and deferred tax of Rs. 0.48 crore.
LBBL profit and loss for 2080/81
In the financial year 2080/81, Lumbini Bikas Bank Ltd. reported net interest income of Rs. 175.48 crore, net fee and commission income of Rs. 19.68 crore, net trading income of Rs. 0 crore, other operating income of Rs. 8.52 crore, total operating income of Rs. 203.69 crore, impairment charge/(reversal) of Rs. 23.58 crore, net operating income of Rs. 180.11 crore, operating expenses of Rs. 82.68 crore, operating profit of Rs. 97.43 crore, non-operating income/(expense) of Rs. 2.25 crore, profit before income tax of Rs. 95.18 crore, income tax expense of Rs. 40.81 crore and profit for the year of Rs. 54.37 crore.
Reported under net interest income: interest income of Rs. 689.53 crore and interest expense of Rs. 514.04 crore. Reported under net fee and commission income: fee and commission income of Rs. 20.82 crore and fee and commission expense of Rs. 1.13 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 51.02 crore, other operating expenses of Rs. 20.79 crore and depreciation & amortisation of Rs. 10.86 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.17 crore and non-operating expense of Rs. 2.42 crore. Reported under income tax expense: current tax of Rs. 40.51 crore and deferred tax of Rs. 0.3 crore.
LBBL balance sheet for 2081/82
In the financial year 2081/82, Lumbini Bikas Bank Ltd. reported total assets of Rs. 6,786.45 crore, total liabilities of Rs. 6,097.24 crore and total equity of Rs. 689.21 crore.
Reported under total assets: cash and cash equivalents of Rs. 338.28 crore, due from nepal rastra bank of Rs. 274.55 crore, loans and advances to banks and fis of Rs. 43.57 crore, loans and advances to customers of Rs. 4,706.71 crore, investment securities of Rs. 1,234.85 crore, current tax assets of Rs. 7.44 crore, investment in associates of Rs. 66.9 crore, investment property of Rs. 22.19 crore, property and equipment of Rs. 62.03 crore, goodwill and intangible assets of Rs. 1.06 crore and other assets of Rs. 28.87 crore. Reported under total liabilities: due to banks and fis of Rs. 42.45 crore, due to nepal rastra bank of Rs. 78.99 crore, deposits from customers of Rs. 5,759.41 crore, deferred tax liabilities of Rs. 25.23 crore, other liabilities of Rs. 85.94 crore and debt securities issued of Rs. 105.23 crore. Reported under total equity: share capital of Rs. 362.37 crore, share premium of Rs. 0 crore, retained earnings of Rs. 18.44 crore and reserves of Rs. 308.4 crore.
LBBL balance sheet for 2080/81
In the financial year 2080/81, Lumbini Bikas Bank Ltd. reported total assets of Rs. 6,908.76 crore, total liabilities of Rs. 6,240.02 crore and total equity of Rs. 668.74 crore.
Reported under total assets: cash and cash equivalents of Rs. 368.14 crore, due from nepal rastra bank of Rs. 337.96 crore, loans and advances to banks and fis of Rs. 216.96 crore, loans and advances to customers of Rs. 4,624.74 crore, investment securities of Rs. 1,170 crore, current tax assets of Rs. 6.32 crore, investment in associates of Rs. 65.3 crore, investment property of Rs. 20.4 crore, property and equipment of Rs. 69.73 crore, goodwill and intangible assets of Rs. 0.61 crore and other assets of Rs. 28.6 crore. Reported under total liabilities: due to banks and fis of Rs. 63.84 crore, due to nepal rastra bank of Rs. 104.23 crore, deposits from customers of Rs. 5,855.31 crore, deferred tax liabilities of Rs. 22.09 crore, other liabilities of Rs. 89.31 crore and debt securities issued of Rs. 105.24 crore. Reported under total equity: share capital of Rs. 351.81 crore, share premium of Rs. 0 crore, retained earnings of Rs. 31.16 crore and reserves of Rs. 285.76 crore.
LBBL balance sheet for 2079/80
In the financial year 2079/80, Lumbini Bikas Bank Ltd. reported total assets of Rs. 5,889.15 crore, total liabilities of Rs. 5,267.44 crore and total equity of Rs. 621.71 crore.
Reported under total assets: cash and cash equivalents of Rs. 366.67 crore, due from nepal rastra bank of Rs. 195.96 crore, loans and advances to banks and fis of Rs. 217.67 crore, loans and advances to customers of Rs. 4,142.61 crore, investment securities of Rs. 777.03 crore, current tax assets of Rs. 13.49 crore, investment in associates of Rs. 59.55 crore, investment property of Rs. 16.94 crore, property and equipment of Rs. 76.74 crore, goodwill and intangible assets of Rs. 0.42 crore and other assets of Rs. 22.06 crore. Reported under total liabilities: due to banks and fis of Rs. 96.36 crore, due to nepal rastra bank of Rs. 48.87 crore, deposits from customers of Rs. 4,913.21 crore, deferred tax liabilities of Rs. 20.88 crore, other liabilities of Rs. 87.28 crore and debt securities issued of Rs. 100.85 crore. Reported under total equity: share capital of Rs. 338.28 crore, share premium of Rs. 0 crore, retained earnings of Rs. 30.09 crore and reserves of Rs. 253.34 crore.
LBBL cash flow for 2081/82
In the financial year 2081/82, Lumbini Bikas Bank Ltd. reported net cash flow from operating activities (a) of Rs. 40.05 crore, net cash flow from investing activities (b) of Rs. 55.84 crore, net cash flow from financing activities (c) of Rs. 14.07 crore, net increase/(decrease) in cash and cash equivalents of Rs. 29.86 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 368.14 crore and cash and cash equivalents at ashadh end of Rs. 338.28 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 558.78 crore, fees and other income received of Rs. 21.65 crore, dividend received of Rs. 5.11 crore, receipts from other operating activities of Rs. 3.84 crore, interest paid of Rs. 376.53 crore, commission and fees paid of Rs. 1.05 crore, cash payment to employees of Rs. 47.63 crore, other expense paid of Rs. 29.26 crore, operating cash flows before changes in operating assets and liabilities of Rs. 134.92 crore, due from nepal rastra bank of Rs. 63.41 crore, loan and advances to banks and financial institutions of Rs. 173.4 crore, loan and advances to customers of Rs. 170.65 crore, other assets of Rs. 0.26 crore, due to banks and financial institutions of Rs. 21.39 crore, due to nepal rastra bank of Rs. 25.24 crore, deposit from customers of Rs. 95.9 crore, other liabilities of Rs. 6.86 crore, net cash flow from operating activities before tax paid of Rs. 65.14 crore and income taxes paid of Rs. 25.09 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 77.88 crore, receipts from sale of investment securities of Rs. 24.97 crore, purchase of property and equipment of Rs. 4.3 crore, receipt from sale of property and equipment of Rs. 0.3 crore, purchase of intangible assets of Rs. 0.66 crore, purchase of investment properties of Rs. 8.51 crore, receipt from sale of investment properties of Rs. 6.77 crore and interest received of Rs. 3.46 crore. Reported under net cash flow from financing activities (c): receipt from issue of debt securities of Rs. 0 crore and dividends paid of Rs. 14.07 crore.
LBBL cash flow for 2080/81
In the financial year 2080/81, Lumbini Bikas Bank Ltd. reported net cash flow from operating activities (a) of Rs. 405.75 crore, net cash flow from investing activities (b) of Rs. 389.06 crore, net cash flow from financing activities (c) of Rs. 15.22 crore, net increase/(decrease) in cash and cash equivalents of Rs. 1.47 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 366.67 crore and cash and cash equivalents at ashadh end of Rs. 368.14 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 685.03 crore, fees and other income received of Rs. 20.82 crore, dividend received of Rs. 1.59 crore, receipts from other operating activities of Rs. 3.22 crore, interest paid of Rs. 509.66 crore, commission and fees paid of Rs. 1.13 crore, cash payment to employees of Rs. 45.06 crore, other expense paid of Rs. 20.79 crore, operating cash flows before changes in operating assets and liabilities of Rs. 134.01 crore, due from nepal rastra bank of Rs. 142 crore, loan and advances to banks and financial institutions of Rs. 0.73 crore, loan and advances to customers of Rs. 507.99 crore, other assets of Rs. 6.55 crore, due to banks and financial institutions of Rs. 32.52 crore, due to nepal rastra bank of Rs. 55.36 crore, deposit from customers of Rs. 942.11 crore, other liabilities of Rs. 4.06 crore, net cash flow from operating activities before tax paid of Rs. 439.09 crore and income taxes paid of Rs. 33.34 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 488.06 crore, receipts from sale of investment securities of Rs. 98.29 crore, purchase of property and equipment of Rs. 3.94 crore, receipt from sale of property and equipment of Rs. 0.24 crore, purchase of intangible assets of Rs. 0.35 crore, purchase of investment properties of Rs. 9.01 crore, receipt from sale of investment properties of Rs. 9.27 crore and interest received of Rs. 4.5 crore. Reported under net cash flow from financing activities (c): receipt from issue of debt securities of Rs. 0 crore and dividends paid of Rs. 15.22 crore.
LBBL cash flow for 2079/80
In the financial year 2079/80, Lumbini Bikas Bank Ltd. reported net cash flow from operating activities (a) of Rs. 292.35 crore, net cash flow from investing activities (b) of Rs. 101.66 crore, net cash flow from financing activities (c) of Rs. 70.22 crore, net increase/(decrease) in cash and cash equivalents of Rs. 120.46 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 487.14 crore and cash and cash equivalents at ashadh end of Rs. 366.67 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 668.03 crore, fees and other income received of Rs. 16.57 crore, dividend received of Rs. 3.37 crore, receipts from other operating activities of Rs. 1.55 crore, interest paid of Rs. 492.87 crore, commission and fees paid of Rs. 1.13 crore, cash payment to employees of Rs. 45.85 crore, other expense paid of Rs. 20.81 crore, operating cash flows before changes in operating assets and liabilities of Rs. 128.86 crore, due from nepal rastra bank of Rs. 84.82 crore, loan and advances to banks and financial institutions of Rs. 16.43 crore, loan and advances to customers of Rs. 392.09 crore, other assets of Rs. 1.43 crore, due to banks and financial institutions of Rs. 53.47 crore, due to nepal rastra bank of Rs. 511.89 crore, deposit from customers of Rs. 625.81 crore, other liabilities of Rs. 2.49 crore, net cash flow from operating activities before tax paid of Rs. 275.08 crore and income taxes paid of Rs. 17.27 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 114.31 crore, receipts from sale of investment securities of Rs. 0 crore, purchase of property and equipment of Rs. 11.67 crore, receipt from sale of property and equipment of Rs. 0.15 crore, purchase of intangible assets of Rs. 0.22 crore, purchase of investment properties of Rs. 10.27 crore, receipt from sale of investment properties of Rs. 0.46 crore and interest received of Rs. 9.21 crore. Reported under net cash flow from financing activities (c): receipt from issue of debt securities of Rs. 99.78 crore and dividends paid of Rs. 29.56 crore.
LBBL quarterly for Q4 2082/83
In the quarter Q4 2082/83, Lumbini Bikas Bank Ltd. reported net interest income of Rs. 54.55 crore, net fee and commission income of Rs. 5.58 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.64 crore, total operating income of Rs. 60.77 crore, impairment charge/(reversal) of Rs. 10.76 crore, net operating income of Rs. 71.53 crore, operating expenses of Rs. 29.63 crore, operating profit of Rs. 41.9 crore, non-operating income/(expense) of Rs. 1.97 crore, profit before income tax of Rs. 43.87 crore, income tax expense of Rs. 14.94 crore and profit for the year of Rs. 28.93 crore.
Reported under net interest income: interest income of Rs. 113.87 crore and interest expense of Rs. 59.32 crore. Reported under net fee and commission income: fee and commission income of Rs. 6.04 crore and fee and commission expense of Rs. 0.45 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 17.53 crore, other operating expenses of Rs. 10.76 crore and depreciation & amortisation of Rs. 1.34 crore. Reported under non-operating income/(expense): non-operating income of Rs. 3.02 crore and non-operating expense of Rs. 1.05 crore. Reported under income tax expense: current tax of Rs. 14.94 crore and deferred tax of Rs. 0 crore.
LBBL quarterly for Q3 2082/83
In the quarter Q3 2082/83, Lumbini Bikas Bank Ltd. reported net interest income of Rs. 50.45 crore, net fee and commission income of Rs. 5 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.55 crore, total operating income of Rs. 56 crore, impairment charge/(reversal) of Rs. 5.59 crore, net operating income of Rs. 61.59 crore, operating expenses of Rs. 23.37 crore, operating profit of Rs. 38.22 crore, non-operating income/(expense) of Rs. 0.08 crore, profit before income tax of Rs. 38.14 crore, income tax expense of Rs. 10.51 crore and profit for the year of Rs. 27.63 crore.
Reported under net interest income: interest income of Rs. 109.81 crore and interest expense of Rs. 59.36 crore. Reported under net fee and commission income: fee and commission income of Rs. 5.28 crore and fee and commission expense of Rs. 0.28 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 15.11 crore, other operating expenses of Rs. 7.02 crore and depreciation & amortisation of Rs. 1.24 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.26 crore and non-operating expense of Rs. 0.34 crore. Reported under income tax expense: current tax of Rs. 10.51 crore and deferred tax of Rs. 0 crore.
LBBL quarterly for Q2 2082/83
In the quarter Q2 2082/83, Lumbini Bikas Bank Ltd. reported net interest income of Rs. 49.34 crore, net fee and commission income of Rs. 3.64 crore, net trading income of Rs. 0 crore, other operating income of Rs. 3.35 crore, total operating income of Rs. 56.33 crore, impairment charge/(reversal) of Rs. 41.04 crore, net operating income of Rs. 97.37 crore, operating expenses of Rs. 21.42 crore, operating profit of Rs. 75.95 crore, non-operating income/(expense) of Rs. 0.53 crore, profit before income tax of Rs. 75.43 crore, income tax expense of Rs. 12.03 crore and profit for the year of Rs. 63.4 crore.
Reported under net interest income: interest income of Rs. 115.75 crore and interest expense of Rs. 66.41 crore. Reported under net fee and commission income: fee and commission income of Rs. 3.88 crore and fee and commission expense of Rs. 0.25 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 13.73 crore, other operating expenses of Rs. 6.45 crore and depreciation & amortisation of Rs. 1.24 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.04 crore and non-operating expense of Rs. 0.57 crore. Reported under income tax expense: current tax of Rs. 12.03 crore and deferred tax of Rs. 0 crore.
LBBL quarterly for Q1 2082/83
In the quarter Q1 2082/83, Lumbini Bikas Bank Ltd. reported net interest income of Rs. 45.38 crore, net fee and commission income of Rs. 4.21 crore, net trading income of Rs. 0 crore, other operating income of Rs. 5.45 crore, total operating income of Rs. 55.04 crore, impairment charge/(reversal) of Rs. 70.89 crore, net operating income of Rs. 15.85 crore, operating expenses of Rs. 18.45 crore, operating profit of Rs. 34.29 crore, non-operating income/(expense) of Rs. 0.56 crore, profit before income tax of Rs. 34.86 crore, income tax expense of Rs. 0 crore and profit for the year of Rs. 34.86 crore.
Reported under net interest income: interest income of Rs. 120.47 crore and interest expense of Rs. 75.09 crore. Reported under net fee and commission income: fee and commission income of Rs. 4.43 crore and fee and commission expense of Rs. 0.22 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 11.43 crore, other operating expenses of Rs. 5.7 crore and depreciation & amortisation of Rs. 1.31 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.05 crore and non-operating expense of Rs. 0.61 crore. Reported under income tax expense: current tax of Rs. 0 crore and deferred tax of Rs. 0 crore.
LBBL Profit & Loss
Values in Rs. Crore unless stated otherwise.
| Particulars | 2082/83 | 2081/82 | 2080/81 | 2079/80 | 2078/79 | 2077/78 |
|---|
| Net Interest Income | 200 | 186 | 175 | 184 | 153 | 121 |
|---|
| Interest Income | 460 | 562 | 690 | 677 | 482 | 345 |
|---|
| Interest Expense | -260 | -377 | -514 | -493 | -329 | -224 |
|---|
| Net Fee and Commission Income | 18.4 | 20.6 | 19.7 | 15.4 | 15.4 | 17.2 |
|---|
| Fee and Commission Income | 19.6 | 21.7 | 20.8 | 16.6 | 16.2 | 17.7 |
|---|
| Fee and Commission Expense | -1.2 | -1.1 | -1.1 | -1.1 | -0.85 | -0.48 |
|---|
| Net Trading Income | 0.00 | 0.01 | 0.00 | 0.00 | -0.01 | -0.00 |
|---|
| Other Operating Income | 10.0 | 8.7 | 8.5 | 4.9 | 5.1 | 14.0 |
|---|
| Total Operating Income | 228 | 215 | 204 | 205 | 174 | 152 |
|---|
| Impairment Charge/(Reversal) | -13.5 | -77.9 | -23.6 | -54.6 | -3.4 | -29.4 |
|---|
| Net Operating Income | 215 | 137 | 180 | 150 | 170 | 123 |
|---|
| Operating Expenses | -92.9 | -78.8 | -82.7 | -77.7 | -76.1 | -62.2 |
|---|
| Operating Expense - Personnel Expenses | -57.8 | -45.9 | -51.0 | -46.3 | -45.8 | -35.9 |
|---|
| Other Operating Expenses | -29.9 | -20.8 | -20.8 | -20.8 | -19.4 | -21.5 |
|---|
| Depreciation & Amortisation | -5.1 | -12.0 | -10.9 | -10.6 | -10.9 | -4.8 |
|---|
| Operating Profit | 122 | 58.4 | 97.4 | 72.5 | 94.2 | 60.6 |
|---|
| Non-Operating Income/(Expense) | 0.80 | -10.8 | -2.3 | -1.7 | -0.41 | 1.9 |
|---|
| Non-Operating Income | 3.4 | 0.21 | 0.17 | 0.15 | 0.05 | 2.3 |
|---|
| Non-Operating Expense | -2.6 | -11.0 | -2.4 | -1.8 | -0.46 | -0.41 |
|---|
| Profit Before Income Tax | 123 | 47.6 | 95.2 | 70.8 | 93.8 | 62.5 |
|---|
| Income Tax Expense | -37.5 | -23.5 | -40.8 | -21.0 | -30.1 | -19.1 |
|---|
| Current Tax | -37.5 | -24.0 | -40.5 | -21.0 | -31.0 | -18.9 |
|---|
| Deferred Tax | 0.00 | 0.48 | -0.30 | -0.01 | 0.89 | -0.23 |
|---|
| Profit for the Year | 85.1 | 24.1 | 54.4 | 49.8 | 63.7 | 43.4 |
|---|
LBBL Balance Sheet
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 | 2077/78 | 2076/77 |
|---|
| Total Assets | 6,786 | 6,909 | 5,889 | 5,669 | 4,413 | 3,450 |
|---|
| Cash and Cash Equivalents | 338 | 368 | 367 | 487 | 426 | 481 |
|---|
| Due from Nepal Rastra Bank | 275 | 338 | 196 | 111 | 132 | 130 |
|---|
| Loans and Advances to Banks and FIs | 43.6 | 217 | 218 | 234 | 252 | 101 |
|---|
| Loans and Advances to Customers | 4,707 | 4,625 | 4,143 | 3,807 | 2,967 | 2,432 |
|---|
| Investment Securities | 1,235 | 1,170 | 777 | 842 | 498 | 194 |
|---|
| Current Tax Assets | 7.4 | 6.3 | 13.5 | 17.2 | 25.7 | 14.8 |
|---|
| Investment in Associates | 66.9 | 65.3 | 59.6 | 67.0 | 58.4 | 48.3 |
|---|
| Investment Property | 22.2 | 20.4 | 16.9 | 7.1 | 6.6 | 5.4 |
|---|
| Property and Equipment | 62.0 | 69.7 | 76.7 | 75.3 | 30.6 | 31.5 |
|---|
| Goodwill and Intangible Assets | 1.1 | 0.61 | 0.42 | 0.36 | 0.28 | 0.33 |
|---|
| Other Assets | 28.9 | 28.6 | 22.1 | 20.6 | 16.1 | 11.5 |
|---|
| Total Liabilities | 6,097 | 6,240 | 5,267 | 5,096 | 3,883 | 3,005 |
|---|
| Due to Banks and FIs | 42.4 | 63.8 | 96.4 | 150 | 40.8 | 118 |
|---|
| Due to Nepal Rastra Bank | 79.0 | 104 | 48.9 | 561 | 143 | 47.0 |
|---|
| Deposits from Customers | 5,759 | 5,855 | 4,913 | 4,287 | 3,637 | 2,806 |
|---|
| Deferred Tax Liabilities | 25.2 | 22.1 | 20.9 | 7.1 | 19.4 | 4.1 |
|---|
| Other Liabilities | 85.9 | 89.3 | 87.3 | 90.8 | 42.9 | 30.7 |
|---|
| Debt Securities Issued | 105 | 105 | 101 | 0.00 | 0.00 | 0.00 |
|---|
| Total Equity | 689 | 669 | 622 | 573 | 529 | 444 |
|---|
| Share Capital | 362 | 352 | 338 | 328 | 291 | 272 |
|---|
| Share Premium | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 |
|---|
| Retained Earnings | 18.4 | 31.2 | 30.1 | 46.0 | 43.5 | 29.4 |
|---|
| Reserves | 308 | 286 | 253 | 199 | 195 | 143 |
|---|
LBBL Cash Flow
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 | 2077/78 | 2076/77 |
|---|
| Net Cash Flow from Operating Activities (A) | 40.0 | 406 | -292 | 447 | 193 | 109 |
|---|
| Interest Received | 559 | 685 | 668 | 461 | 335 | 322 |
|---|
| Fees and Other Income Received | 21.7 | 20.8 | 16.6 | 16.3 | 17.7 | 12.0 |
|---|
| Dividend Received | 5.1 | 1.6 | 3.4 | 3.6 | 1.6 | 1.6 |
|---|
| Receipts from Other Operating Activities | 3.8 | 3.2 | 1.5 | 0.96 | 3.4 | 1.3 |
|---|
| Interest Paid | -377 | -510 | -493 | -325 | -224 | -229 |
|---|
| Commission and Fees Paid | -1.1 | -1.1 | -1.1 | -0.85 | -0.48 | -0.34 |
|---|
| Cash Payment to Employees | -47.6 | -45.1 | -45.9 | -39.9 | -33.1 | -39.7 |
|---|
| Other Expense Paid | -29.3 | -20.8 | -20.8 | -25.1 | -22.8 | -21.3 |
|---|
| Operating Cash Flows Before Changes in Operating Assets and Liabilities | 135 | 134 | 129 | 90.6 | 77.2 | 46.3 |
|---|
| Due from Nepal Rastra Bank | 63.4 | -142 | -84.8 | 20.7 | -1.8 | -46.8 |
|---|
| Loan and Advances to Banks and Financial Institutions | 173 | 0.73 | 16.4 | 17.8 | -148 | 19.9 |
|---|
| Loan and Advances to Customers | -171 | -508 | -392 | -828 | -561 | -314 |
|---|
| Other Assets | -0.26 | -6.5 | -1.4 | -4.6 | -4.5 | 0.79 |
|---|
| Due to Banks and Financial Institutions | -21.4 | -32.5 | -53.5 | 109 | -76.8 | -213 |
|---|
| Due to Nepal Rastra Bank | -25.2 | 55.4 | -512 | 418 | 95.7 | -21.2 |
|---|
| Deposit from Customers | -95.9 | 942 | 626 | 650 | 831 | 656 |
|---|
| Other Liabilities | 6.9 | -4.1 | -2.5 | -4.9 | 11.0 | 0.08 |
|---|
| Net Cash Flow from Operating Activities Before Tax Paid | 65.1 | 439 | -275 | 469 | 223 | 128 |
|---|
| Income Taxes Paid | -25.1 | -33.3 | -17.3 | -22.5 | -29.8 | -19.3 |
|---|
| Net Cash Flow from Investing Activities (B) | -55.8 | -389 | 102 | -384 | -240 | -7.4 |
|---|
| Purchase of Investment Securities | -77.9 | -488 | 114 | -392 | -293 | -7.4 |
|---|
| Receipts from Sale of Investment Securities | 25.0 | 98.3 | 0.00 | 11.1 | 55.2 | 4.4 |
|---|
| Purchase of Property and Equipment | -4.3 | -3.9 | -11.7 | -8.5 | -3.9 | -4.4 |
|---|
| Receipt from Sale of Property and Equipment | 0.30 | 0.24 | -0.15 | 0.38 | 0.07 | 0.04 |
|---|
| Purchase of Intangible Assets | -0.66 | -0.35 | -0.22 | -0.20 | -0.05 | -0.04 |
|---|
| Purchase of Investment Properties | -8.5 | -9.0 | -10.3 | 0.00 | 0.00 | 0.00 |
|---|
| Receipt from Sale of Investment Properties | 6.8 | 9.3 | 0.46 | 0.45 | 0.00 | 0.00 |
|---|
| Interest Received | 3.5 | 4.5 | 9.2 | 5.1 | 2.1 | -0.02 |
|---|
| Net Cash Flow from Financing Activities (C) | -14.1 | -15.2 | 70.2 | -2.0 | -8.2 | -33.2 |
|---|
| Receipt from Issue of Debt Securities | 0.00 | 0.00 | 99.8 | 0.00 | 0.00 | 0.00 |
|---|
| Dividends Paid | -14.1 | -15.2 | -29.6 | -2.0 | -8.2 | -33.2 |
|---|
| Net Increase/(Decrease) in Cash and Cash Equivalents | -29.9 | 1.5 | -120 | 60.7 | -54.7 | 68.6 |
|---|
| Cash and Cash Equivalents at Shrawan 01 (Beginning of the Year) | 368 | 367 | 487 | 426 | 481 | 413 |
|---|
| Cash and Cash Equivalents at Ashadh End | 338 | 368 | 367 | 487 | 426 | 481 |
|---|
LBBL Quarterly Results
Values in Rs. Crore unless stated otherwise.
| Particulars | Q4 2082/83 | Q3 2082/83 | Q2 2082/83 | Q1 2082/83 | Q4 2081/82 | Q3 2081/82 | Q2 2081/82 | Q1 2081/82 | Q4 2080/81 | Q3 2080/81 | Q2 2080/81 | Q1 2080/81 |
|---|
| Net Interest Income | 54.6 | 50.4 | 49.3 | 45.4 | 50.1 | 42.6 | 47.1 | 46.0 | 52.6 | 42.3 | 42.8 | 43.2 |
|---|
| Interest Income | 114 | 110 | 116 | 120 | 134 | 127 | 141 | 157 | 176 | 170 | 171 | 174 |
|---|
| Interest Expense | -59.3 | -59.4 | -66.4 | -75.1 | -83.9 | -84.6 | -93.4 | -111 | -123 | -128 | -129 | -131 |
|---|
| Net Fee and Commission Income | 5.6 | 5.0 | 3.6 | 4.2 | 4.0 | 4.9 | 5.1 | 6.6 | 4.9 | 5.2 | 4.6 | 4.9 |
|---|
| Fee and Commission Income | 6.0 | 5.3 | 3.9 | 4.4 | 4.3 | 5.2 | 5.4 | 6.8 | 5.3 | 5.5 | 4.8 | 5.2 |
|---|
| Fee and Commission Expense | -0.45 | -0.28 | -0.25 | -0.22 | -0.29 | -0.28 | -0.28 | -0.21 | -0.38 | -0.26 | -0.19 | -0.28 |
|---|
| Net Trading Income | -0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Other Operating Income | 0.64 | 0.55 | 3.4 | 5.4 | 4.3 | 0.63 | 1.1 | 3.0 | 6.6 | 0.48 | 0.30 | 1.1 |
|---|
| Total Operating Income | 60.8 | 56.0 | 56.3 | 55.0 | 58.4 | 48.1 | 53.3 | 55.6 | 64.1 | 48.0 | 47.7 | 49.2 |
|---|
| Impairment Charge/(Reversal) | 10.8 | 5.6 | 41.0 | -70.9 | 26.9 | -45.6 | -44.1 | -5.2 | 2.6 | -9.7 | -7.6 | -2.3 |
|---|
| Net Operating Income | 71.5 | 61.6 | 97.4 | -15.8 | 85.3 | 2.5 | 9.2 | 50.3 | 66.7 | 38.2 | 40.1 | 46.8 |
|---|
| Operating Expenses | -29.6 | -23.4 | -21.4 | -18.4 | -28.2 | -15.6 | -15.4 | -21.0 | -26.1 | -19.4 | -18.7 | -21.6 |
|---|
| Operating Expense - Personnel Expenses | -17.5 | -15.1 | -13.7 | -11.4 | -17.0 | -7.2 | -7.7 | -14.1 | -15.4 | -11.0 | -11.1 | -13.9 |
|---|
| Other Operating Expenses | -10.8 | -7.0 | -6.4 | -5.7 | -9.9 | -7.1 | -6.5 | -5.6 | -9.4 | -7.1 | -6.4 | -6.4 |
|---|
| Depreciation & Amortisation | -1.3 | -1.2 | -1.2 | -1.3 | -1.3 | -1.3 | -1.3 | -1.3 | -1.4 | -1.3 | -1.3 | -1.3 |
|---|
| Operating Profit | 41.9 | 38.2 | 76.0 | -34.3 | 57.1 | -13.1 | -6.2 | 29.4 | 40.5 | 18.8 | 21.4 | 25.3 |
|---|
| Non-Operating Income/(Expense) | 2.0 | -0.08 | -0.53 | -0.56 | -9.8 | -0.93 | -0.05 | -0.19 | -1.5 | -0.07 | -0.02 | -0.48 |
|---|
| Non-Operating Income | 3.0 | 0.26 | 0.04 | 0.05 | 0.01 | 0.05 | 0.00 | 0.00 | 0.02 | 0.04 | 0.12 | 0.00 |
|---|
| Non-Operating Expense | -1.0 | -0.34 | -0.57 | -0.61 | -9.8 | -0.98 | -0.05 | -0.19 | -1.5 | -0.10 | -0.13 | -0.48 |
|---|
| Profit Before Income Tax | 43.9 | 38.1 | 75.4 | -34.9 | 47.3 | -14.0 | -6.3 | 29.2 | 39.0 | 18.7 | 21.3 | 24.8 |
|---|
| Income Tax Expense | -14.9 | -10.5 | -12.0 | 0.00 | -14.3 | 4.2 | 0.83 | -9.0 | -12.8 | -5.8 | -17.4 | -7.5 |
|---|
| Current Tax | -14.9 | -10.5 | -12.0 | 0.00 | -14.3 | 4.2 | 0.83 | -9.0 | -12.5 | -5.8 | -17.4 | -7.5 |
|---|
| Deferred Tax | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -0.30 | 0.00 | 0.00 | 0.00 |
|---|
| Profit for the Year | 28.9 | 27.6 | 63.4 | -34.9 | 33.0 | -9.8 | -5.4 | 20.2 | 26.2 | 13.0 | 3.9 | 17.3 |
|---|
Lumbini Bikas Bank share price history
Over the last 15 trading sessions LBBL closed between Rs. 467.70 and Rs. 493.10, finishing at Rs. 490.80 on 2026-09-22 against Rs. 473.00 on 2026-08-26.
| Date | Open | High | Low | Close | Volume |
|---|
| 2026-09-22 | 485.00 | 497.00 | 484.00 | 490.80 | 59,865 |
|---|
| 2026-09-18 | 465.00 | 495.00 | 465.00 | 493.10 | 41,600 |
|---|
| 2026-09-17 | 462.00 | 493.00 | 462.00 | 488.00 | 87,393 |
|---|
| 2026-09-16 | 484.00 | 487.00 | 478.00 | 479.00 | 48,158 |
|---|
| 2026-09-15 | 508.00 | 508.00 | 483.00 | 487.00 | 47,162 |
|---|
| 2026-09-14 | 484.50 | 486.10 | 482.40 | 484.00 | 17,004 |
|---|
| 2026-09-11 | 473.00 | 479.00 | 469.20 | 479.00 | 38,716 |
|---|
| 2026-09-10 | 470.30 | 476.00 | 470.00 | 475.00 | 21,494 |
|---|
| 2026-09-09 | 480.20 | 485.00 | 472.10 | 476.00 | 18,091 |
|---|
| 2026-09-07 | 465.00 | 489.20 | 465.00 | 485.00 | 28,681 |
|---|
| 2026-09-03 | 473.00 | 483.90 | 470.70 | 482.80 | 17,558 |
|---|
| 2026-09-02 | 470.00 | 479.00 | 466.00 | 477.80 | 14,679 |
|---|
| 2026-09-01 | 479.00 | 479.00 | 466.00 | 468.00 | 17,278 |
|---|
| 2026-08-31 | 473.00 | 479.00 | 466.00 | 467.70 | 17,234 |
|---|
| 2026-08-26 | 479.00 | 479.00 | 465.00 | 473.00 | 96,154 |
|---|
LBBL share price by year
2026, between Rs. 446.00 and Rs. 555.00, 2025, between Rs. 376.50 and Rs. 646.30, 2024, between Rs. 350.49 and Rs. 543.69, 2023, between Rs. 284.73 and Rs. 423.82, 2022, between Rs. 262.93 and Rs. 522.96 and 2021, between Rs. 162.02 and Rs. 620.80.
| Year | Low (Rs.) | High (Rs.) | Sessions |
|---|
| 2026 | 446.00 | 555.00 | 168 |
|---|
| 2025 | 376.50 | 646.30 | 225 |
|---|
| 2024 | 350.49 | 543.69 | 232 |
|---|
| 2023 | 284.73 | 423.82 | 227 |
|---|
| 2022 | 262.93 | 522.96 | 242 |
|---|
| 2021 | 162.02 | 620.80 | 239 |
|---|
| 2020 | 108.69 | 194.15 | 182 |
|---|
| 2019 | 102.45 | 142.07 | 245 |
|---|
| 2018 | 82.93 | 112.21 | 234 |
|---|
| 2017 | 94.80 | 134.16 | 97 |
|---|
Lumbini Bikas Bank share price returns
At Rs. 490.80 on 2026-09-22, LBBL is up 0.78% over 1 week, up 3.30% over 1 month, up 1.83% over 3 months, down 6.34% over 6 months, down 4.65% over 1 year and up 2.95% 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 | +0.78% | 487.00 | 2026-09-15 |
|---|
| 1 month | +3.30% | 475.10 | 2026-08-21 |
|---|
| 3 months | +1.83% | 482.00 | 2026-06-24 |
|---|
| 6 months | -6.34% | 524.00 | 2026-03-26 |
|---|
| 1 year | -4.65% | 514.71 | 2025-09-21 |
|---|
| 5 years | +2.95% | 476.75 | 2021-09-23 |
|---|
LBBL floorsheet for 2026-09-22
LBBL traded 134 times on 2026-09-22, moving 59,865 shares for Rs. 2.94 crore of turnover. Trades went through between Rs. 484.00 and Rs. 497.00.
Largest buyers by volume: broker 94, K.B.L. Securities Limited on 10,000 shares across 6 trades, broker 34, Vision Securities Pvt.Limited on 8,135 shares across 10 trades, broker 14, Nepal Stock House Pvt. Limited on 7,353 shares across 16 trades, broker 71, Shubhakamana Securities Pvt. Ltd on 6,600 shares across 5 trades, broker 41, Linch Stock Market Limited on 3,000 shares across 9 trades, broker 35, Kohinoor Investment and Securities Pvt.Ltd on 2,013 shares across 2 trades, broker 81, Aakashbhairab Securities Ltd. on 2,000 shares across 1 trades, broker 57, Arya Tara Investment And Securities Pvt. Ltd. on 1,825 shares across 7 trades, broker 10, Pragyan Securities Pvt. Limited on 1,600 shares across 3 trades and broker 11, Malla & Malla Stock Broking Company Pvt. Limited on 1,500 shares across 1 trades.
Largest sellers by volume: broker 38, Dipshika Dhitopatra Karobar Co. Pvt.Limited on 32,863 shares across 48 trades, broker 45, Imperial Securities Co. Limited on 11,100 shares across 15 trades, broker 34, Vision Securities Pvt.Limited on 2,380 shares across 6 trades, broker 58, Naasa Securities Co. Ltd. on 2,142 shares across 8 trades, broker 36, Secured Securities Limited on 2,075 shares across 5 trades, broker 39, Sumeru Securities Pvt.Limited on 1,100 shares across 3 trades, broker 6, Agrawal Securities Pvt. Limited on 1,100 shares across 2 trades, broker 32, Premier Securites Company Limited on 1,000 shares across 1 trades, broker 48, Trishakti Securities Public Limited on 700 shares across 5 trades and broker 22, Siprabi Securities Pvt. Limited on 629 shares across 5 trades.
LBBL dividend history: bonus shares and cash dividend
Lumbini Bikas Bank Ltd. most recently declared a 3% bonus share issue and a 4% cash dividend, 7% in total for 2080/2081, announced on 2024-12-23. 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 |
|---|
| 2080/2081 | 3% | 4% | 2024-12-23 |
| 2079/2080 | 4% | 4.5% | 2023-12-20 |
| 2078/2079 | 3% | 9% | 2022-12-19 |
For 2080/2081 Lumbini Bikas Bank Ltd. declared a 3% bonus share issue and a 4% cash dividend, 7% in total, announced on 2024-12-23.
For 2079/2080 Lumbini Bikas Bank Ltd. declared a 4% bonus share issue and a 4.5% cash dividend, 8.5% in total, announced on 2023-12-20.
For 2078/2079 Lumbini Bikas Bank Ltd. declared a 3% bonus share issue and a 9% cash dividend, 12% in total, announced on 2022-12-19.
LBBL general meetings
Annual and special general meetings Lumbini Bikas Bank Ltd. has called. A dividend is declared by the board and approved at the AGM.
- 18th AGM for 2081/2082: on 2026-01-14, at Amritbhog, Kalikasthan, Kathmandu (10:00 AM)
- 17th AGM for 2080/2081: on 2025-01-13, at Amritbhog, Kalikasthan, Kathmandu (10:30 AM)
- 16th AGM for 2079/2080: on 2024-01-11, at Amritbhog, Kalikasthan, Kathmandu (11:00 AM)
6 years of annual statements and 12 quarters of results for LBBL, with charts and peer comparison, are free on NepView.
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