Laxmi Sunrise Bank Limited (LSL) Share Price & Fundamentals

Laxmi Sunrise Bank (LSL) share price is Rs. 250.00, up 1.46% on 2026-09-22. Open Rs. 251.00. High Rs. 253.90. Low Rs. 248.00. Volume 693,050.

Laxmi Sunrise Bank Limited is a NEPSE-listed company (LSL), Commercial Banks sector. Revenue: Rs. 1,487.13 Crore. Net profit: Rs. 412.68 Crore. Net worth: Rs. 4,613.36 Crore.

About Laxmi Sunrise Bank Limited

Laxmi Sunrise Bank Limited (LSL) has 26,78,11,630 shares outstanding. Its most recent declared dividend was 0.53% on face value.

LSL key metrics

Market Cap	Rs. 6,695.29 Crore
P/E Ratio	16.22
P/E Ratio (TTM)	20.78
EPS	Rs. 15.41
EPS (TTM)	Rs. 12.03
Book Value	Rs. 172.26
Dividend Yield	0.21%
Face Value	Rs. 100.00
52 Week High	Rs. 253.90
52 Week Low	Rs. 193.82

LSL strengths

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

Lends out 74.9% of deposits, comfortably within the 90% Nepal Rastra Bank allows. (Liquidity & Funding)
92.2% of its funding comes from customer deposits, which are cheap and stable. (Liquidity & Funding)
Only 0.1% of funding is borrowed, so the bank largely funds itself. (Liquidity & Funding)
10.2% of what the bank owns belongs to shareholders rather than depositors and lenders. (Capital Strength)
15.7% of income comes from fees and commissions, so it does not depend on lending alone. (Margins & Income Quality)
Owns 9.77x for every rupee shareholders put in, a modest multiple that limits risk. (Capital Strength)
74% of income comes from lending, which is steady and predictable. (Margins & Income Quality)
Total income grew 10.6% on last year. (Growth)
Loans are 62% of what the bank owns, a balanced mix alongside other assets. (Asset Quality)
The bank grew 12% bigger over the year. (Shareholder Returns)
10.3% of income comes from sources other than interest, which spreads the risk. (Margins & Income Quality)

LSL weaknesses

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

Profit moved -23.3% on last year, so earnings are not building up. (Growth)
Return on shareholders' money is 9%, below what owners would hope for. (Profitability)
Return on everything it owns is 0.9%, so its assets are not producing much. (Profitability)
Makes only 2.4% from the gap between lending and deposit rates, so core earnings are squeezed. (Margins & Income Quality)
22.3% of income is lost to loans going bad, which eats directly into profit. (Asset Quality)
Each share produced Rs 11.64 over the year. (Shareholder Returns)
Staff costs take 34.4% of income, a heavy load on earnings. (Efficiency)
Income from lending moved 6.8%, so the core business is not growing. (Growth)
Net profit margin is 19.9%, less than most lenders keep once every cost is paid. (Profitability)
Operating margin is 30.1%, so running costs take too much of what core banking earns. (Profitability)
The loan book moved 11.1%, so lending is not expanding. (Growth)
Deposits moved 11.6%, so its cheapest source of funding is not growing. (Growth)
Each share is backed by only Rs 169.46 of net worth. (Shareholder Returns)

LSL Q3 2082/83 results

In Q3 2082/83 Laxmi Sunrise Bank Limited reported profit of Rs. 235.06 crore and total operating income of Rs. 371.26 crore. Profit in Q2 2082/83 was a loss of Rs. 52.73 crore. Profit turned from a loss to a profit on the previous quarter. Total operating income grew 1.95% on the previous quarter. Profit in Q3 2081/82, the same quarter a year earlier, was Rs. 54.88 crore. Profit grew 328.30% on the same quarter last year. Total operating income fell 0.86% on the same quarter last year.

LSL annual results 2081/82

For the financial year 2081/82 Laxmi Sunrise Bank Limited reported net profit of Rs. 412.68 crore, total operating income of Rs. 1,487.13 crore and net worth of Rs. 4,613.36 crore. Net profit in 2080/81 was Rs. 298.25 crore. Net profit grew 38.37% on the year. Total operating income fell 4.73% on the year.

LSL profit and loss for 2081/82

In the financial year 2081/82, Laxmi Sunrise Bank Limited reported net interest income of Rs. 1,135.01 crore, net fee and commission income of Rs. 244.69 crore, net trading income of Rs. 52.02 crore, other operating income of Rs. 55.41 crore, total operating income of Rs. 1,487.13 crore, impairment charge/(reversal) of Rs. 133.93 crore, net operating income of Rs. 1,353.2 crore, operating expenses of Rs. 741.33 crore, operating profit of Rs. 611.88 crore, non-operating income/(expense) of Rs. 33 crore, profit before income tax of Rs. 578.88 crore, income tax expense of Rs. 166.2 crore and profit for the year of Rs. 412.68 crore.

Reported under net interest income: interest income of Rs. 2,966.16 crore and interest expense of Rs. 1,831.16 crore. Reported under net fee and commission income: fee and commission income of Rs. 296.83 crore and fee and commission expense of Rs. 52.13 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 532.51 crore, other operating expenses of Rs. 147.37 crore and depreciation & amortisation of Rs. 61.45 crore. Reported under non-operating income/(expense): non-operating income of Rs. 10.09 crore and non-operating expense of Rs. 43.08 crore. Reported under income tax expense: current tax of Rs. 183.29 crore and deferred tax of Rs. 17.09 crore.

LSL profit and loss for 2080/81

In the financial year 2080/81, Laxmi Sunrise Bank Limited reported net interest income of Rs. 1,284.42 crore, net fee and commission income of Rs. 225.65 crore, net trading income of Rs. 26.3 crore, other operating income of Rs. 24.58 crore, total operating income of Rs. 1,560.94 crore, impairment charge/(reversal) of Rs. 356.55 crore, net operating income of Rs. 1,204.39 crore, operating expenses of Rs. 746.39 crore, operating profit of Rs. 457.99 crore, non-operating income/(expense) of Rs. 9.71 crore, profit before income tax of Rs. 448.28 crore, income tax expense of Rs. 150.03 crore and profit for the year of Rs. 298.25 crore.

Reported under net interest income: interest income of Rs. 3,666.75 crore and interest expense of Rs. 2,382.34 crore. Reported under net fee and commission income: fee and commission income of Rs. 272.21 crore and fee and commission expense of Rs. 46.56 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 537.32 crore, other operating expenses of Rs. 143.99 crore and depreciation & amortisation of Rs. 65.09 crore. Reported under non-operating income/(expense): non-operating income of Rs. 21.24 crore and non-operating expense of Rs. 30.95 crore. Reported under income tax expense: current tax of Rs. 128.63 crore and deferred tax of Rs. 21.39 crore.

LSL profit and loss for 2079/80

In the financial year 2079/80, Laxmi Sunrise Bank Limited reported net interest income of Rs. 609.23 crore, net fee and commission income of Rs. 113.29 crore, net trading income of Rs. 21.41 crore, other operating income of Rs. 51.21 crore, total operating income of Rs. 795.14 crore, impairment charge/(reversal) of Rs. 116.34 crore, net operating income of Rs. 678.8 crore, operating expenses of Rs. 354.86 crore, operating profit of Rs. 323.94 crore, non-operating income/(expense) of Rs. 23.18 crore, profit before income tax of Rs. 300.76 crore, income tax expense of Rs. 78.68 crore and profit for the year of Rs. 222.08 crore.

Reported under net interest income: interest income of Rs. 1,979.14 crore and interest expense of Rs. 1,369.91 crore. Reported under net fee and commission income: fee and commission income of Rs. 136.03 crore and fee and commission expense of Rs. 22.74 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 227.19 crore, other operating expenses of Rs. 90.53 crore and depreciation & amortisation of Rs. 37.14 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.86 crore and non-operating expense of Rs. 24.04 crore. Reported under income tax expense: current tax of Rs. 94.06 crore and deferred tax of Rs. 15.38 crore.

LSL balance sheet for 2081/82

In the financial year 2081/82, Laxmi Sunrise Bank Limited reported total assets of Rs. 44,782.49 crore, total liabilities of Rs. 40,169.12 crore and total equity of Rs. 4,613.36 crore.

Reported under total assets: cash and cash equivalents of Rs. 1,017.49 crore, due from nepal rastra bank of Rs. 1,639.14 crore, placement with banks and fis of Rs. 909.06 crore, derivative financial instruments of Rs. 1,113.85 crore, other trading assets of Rs. 0 crore, loans and advances to banks and fis of Rs. 619.1 crore, loans and advances to customers of Rs. 28,095.31 crore, investment securities of Rs. 9,866.38 crore, current tax assets of Rs. 9.39 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investment property of Rs. 219.2 crore, property and equipment of Rs. 493.6 crore, goodwill and intangible assets of Rs. 59.61 crore, deferred tax assets of Rs. 0 crore and other assets of Rs. 740.35 crore. Reported under total liabilities: due to banks and fis of Rs. 605.53 crore, due to nepal rastra bank of Rs. 0 crore, derivative financial instruments of Rs. 1,114.05 crore, deposits from customers of Rs. 36,863.73 crore, borrowings of Rs. 54.85 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 46.18 crore, other liabilities of Rs. 784.78 crore, debt securities issued of Rs. 700 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 2,434.65 crore, share premium of Rs. 0 crore, retained earnings of Rs. 299.26 crore, reserves of Rs. 1,855.56 crore and non controlling interest of Rs. 23.89 crore.

LSL balance sheet for 2080/81

In the financial year 2080/81, Laxmi Sunrise Bank Limited reported total assets of Rs. 40,017.11 crore, total liabilities of Rs. 35,897.71 crore and total equity of Rs. 4,119.4 crore.

Reported under total assets: cash and cash equivalents of Rs. 1,558.45 crore, due from nepal rastra bank of Rs. 1,554.06 crore, placement with banks and fis of Rs. 609.51 crore, derivative financial instruments of Rs. 519.02 crore, other trading assets of Rs. 0 crore, loans and advances to banks and fis of Rs. 558.67 crore, loans and advances to customers of Rs. 25,399.83 crore, investment securities of Rs. 8,730.87 crore, current tax assets of Rs. 11.42 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investment property of Rs. 156.31 crore, property and equipment of Rs. 463.41 crore, goodwill and intangible assets of Rs. 60.68 crore, deferred tax assets of Rs. 0 crore and other assets of Rs. 394.87 crore. Reported under total liabilities: due to banks and fis of Rs. 547.61 crore, due to nepal rastra bank of Rs. 0 crore, derivative financial instruments of Rs. 517.96 crore, deposits from customers of Rs. 33,047.26 crore, borrowings of Rs. 398.06 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 26.05 crore, other liabilities of Rs. 660.77 crore, debt securities issued of Rs. 700 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 2,318.72 crore, share premium of Rs. 0 crore, retained earnings of Rs. 123.5 crore, reserves of Rs. 1,654.62 crore and non controlling interest of Rs. 22.56 crore.

LSL balance sheet for 2079/80

In the financial year 2079/80, Laxmi Sunrise Bank Limited reported total assets of Rs. 36,575.75 crore, total liabilities of Rs. 32,688.62 crore and total equity of Rs. 3,887.13 crore.

Reported under total assets: cash and cash equivalents of Rs. 1,896.98 crore, due from nepal rastra bank of Rs. 2,070.84 crore, placement with banks and fis of Rs. 73.87 crore, derivative financial instruments of Rs. 190 crore, other trading assets of Rs. 6.82 crore, loans and advances to banks and fis of Rs. 559.18 crore, loans and advances to customers of Rs. 25,380.1 crore, investment securities of Rs. 5,351.47 crore, current tax assets of Rs. 21.75 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investment property of Rs. 127.52 crore, property and equipment of Rs. 492.59 crore, goodwill and intangible assets of Rs. 53.25 crore, deferred tax assets of Rs. 0 crore and other assets of Rs. 351.38 crore. Reported under total liabilities: due to banks and fis of Rs. 496.9 crore, due to nepal rastra bank of Rs. 0 crore, derivative financial instruments of Rs. 189.67 crore, deposits from customers of Rs. 29,774.49 crore, borrowings of Rs. 508.06 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 21.7 crore, other liabilities of Rs. 897.81 crore, debt securities issued of Rs. 800 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 2,167.02 crore, share premium of Rs. 0 crore, retained earnings of Rs. 206.81 crore, reserves of Rs. 1,492.22 crore and non controlling interest of Rs. 21.07 crore.

LSL cash flow for 2081/82

In the financial year 2081/82, Laxmi Sunrise Bank Limited reported net cash flow from operating activities (a) of Rs. 314.19 crore, net cash flow from investing activities (b) of Rs. 778.73 crore, net cash flow from financing activities (c) of Rs. 76.41 crore, net increase/(decrease) in cash and cash equivalents of Rs. 540.96 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 1,558.45 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. 1,017.49 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 2,699.84 crore, fees and other income received of Rs. 296.83 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 14.78 crore, interest paid of Rs. 1,733.47 crore, commission and fees paid of Rs. 52.13 crore, cash payment to employees of Rs. 517.34 crore, other expense paid of Rs. 276.83 crore, operating cash flows before changes in operating assets and liabilities of Rs. 431.67 crore, due from nepal rastra bank of Rs. 85.08 crore, placement with banks and financial institutions of Rs. 299.55 crore, other trading assets of Rs. 0 crore, loan and advances to banks and financial institutions of Rs. 60.43 crore, loan and advances to customers of Rs. 2,842.75 crore, other assets of Rs. 892.84 crore, due to banks and financial institutions of Rs. 57.93 crore, due to nepal rastra bank of Rs. 0 crore, deposit from customers of Rs. 3,816.48 crore, borrowings of Rs. 343.21 crore, other liabilities of Rs. 698.18 crore, net cash flow from operating activities before tax paid of Rs. 480.38 crore and income taxes paid of Rs. 166.2 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 1,088.17 crore, receipts from sale of investment securities of Rs. 82.36 crore, purchase of property and equipment of Rs. 58.3 crore, receipt from sale of property and equipment of Rs. 0.32 crore, purchase of intangible assets of Rs. 3.38 crore, receipt from sale of intangible assets of Rs. 0 crore, purchase of investment properties of Rs. 77.3 crore, receipt from sale of investment properties of Rs. 15.86 crore, interest received of Rs. 322.59 crore and dividend received of Rs. 27.29 crore. Reported under net cash flow from financing activities (c): receipt from issue of debt securities of Rs. 0 crore, repayment of debt securities of Rs. 0 crore, receipt from issue of subordinated liabilities of Rs. 0 crore, repayment of subordinated liabilities of Rs. 0 crore, receipt from issue of shares of Rs. 0 crore, dividends paid of Rs. 6.49 crore, interest paid of Rs. 67.69 crore and other receipt/payment of Rs. 2.23 crore.

LSL cash flow for 2080/81

In the financial year 2080/81, Laxmi Sunrise Bank Limited reported net cash flow from operating activities (a) of Rs. 3,007.51 crore, net cash flow from investing activities (b) of Rs. 3,133.35 crore, net cash flow from financing activities (c) of Rs. 212.69 crore, net increase/(decrease) in cash and cash equivalents of Rs. 338.53 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 1,896.98 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. 1,558.45 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 3,246.41 crore, fees and other income received of Rs. 272.21 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 84.64 crore, interest paid of Rs. 2,350 crore, commission and fees paid of Rs. 46.56 crore, cash payment to employees of Rs. 522.23 crore, other expense paid of Rs. 218.06 crore, operating cash flows before changes in operating assets and liabilities of Rs. 466.41 crore, due from nepal rastra bank of Rs. 516.78 crore, placement with banks and financial institutions of Rs. 535.64 crore, other trading assets of Rs. 6.82 crore, loan and advances to banks and financial institutions of Rs. 0.5 crore, loan and advances to customers of Rs. 244.32 crore, other assets of Rs. 388.58 crore, due to banks and financial institutions of Rs. 50.71 crore, due to nepal rastra bank of Rs. 0 crore, deposit from customers of Rs. 3,272.77 crore, borrowings of Rs. 110 crore, other liabilities of Rs. 122.07 crore, net cash flow from operating activities before tax paid of Rs. 3,157.54 crore and income taxes paid of Rs. 150.03 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 3,417.73 crore, receipts from sale of investment securities of Rs. 19.02 crore, purchase of property and equipment of Rs. 37.29 crore, receipt from sale of property and equipment of Rs. 3.53 crore, purchase of intangible assets of Rs. 11.66 crore, receipt from sale of intangible assets of Rs. 0 crore, purchase of investment properties of Rs. 50.06 crore, receipt from sale of investment properties of Rs. 22.18 crore, interest received of Rs. 317.77 crore and dividend received of Rs. 20.88 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. 100 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. 8.28 crore, interest paid of Rs. 76 crore and other receipt/payment of Rs. 28.41 crore.

LSL cash flow for 2079/80

In the financial year 2079/80, Laxmi Sunrise Bank Limited reported net cash flow from operating activities (a) of Rs. 4,445.22 crore, net cash flow from investing activities (b) of Rs. 3,634.58 crore, net cash flow from financing activities (c) of Rs. 42.12 crore, net increase/(decrease) in cash and cash equivalents of Rs. 768.52 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 1,128.46 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. 1,896.98 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 1,533.23 crore, fees and other income received of Rs. 136.03 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 25.92 crore, interest paid of Rs. 1,411.48 crore, commission and fees paid of Rs. 22.74 crore, cash payment to employees of Rs. 235.68 crore, other expense paid of Rs. 197.85 crore, operating cash flows before changes in operating assets and liabilities of Rs. 224.41 crore, due from nepal rastra bank of Rs. 1,433.33 crore, placement with banks and financial institutions of Rs. 69.51 crore, other trading assets of Rs. 5.81 crore, loan and advances to banks and financial institutions of Rs. 248.47 crore, loan and advances to customers of Rs. 11,709.32 crore, other assets of Rs. 289.96 crore, due to banks and financial institutions of Rs. 224.57 crore, due to nepal rastra bank of Rs. 256.91 crore, deposit from customers of Rs. 15,596.98 crore, borrowings of Rs. 135.25 crore, other liabilities of Rs. 3,660.58 crore, net cash flow from operating activities before tax paid of Rs. 5,111.18 crore and income taxes paid of Rs. 665.95 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 3,571 crore, receipts from sale of investment securities of Rs. 31.85 crore, purchase of property and equipment of Rs. 38.98 crore, receipt from sale of property and equipment of Rs. 0.34 crore, purchase of intangible assets of Rs. 48.46 crore, receipt from sale of intangible assets of Rs. 0 crore, purchase of investment properties of Rs. 120.46 crore, receipt from sale of investment properties of Rs. 0 crore, interest received of Rs. 97.7 crore and dividend received of Rs. 14.43 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. 5.12 crore, interest paid of Rs. 37 crore and other receipt/payment of Rs. 0 crore.

LSL quarterly for Q3 2082/83

In the quarter Q3 2082/83, Laxmi Sunrise Bank Limited reported net interest income of Rs. 276.16 crore, net fee and commission income of Rs. 61.97 crore, net trading income of Rs. 29.21 crore, other operating income of Rs. 3.91 crore, total operating income of Rs. 371.26 crore, impairment charge/(reversal) of Rs. 145.01 crore, net operating income of Rs. 516.28 crore, operating expenses of Rs. 199.82 crore, operating profit of Rs. 316.45 crore, non-operating income/(expense) of Rs. 0.36 crore, profit before income tax of Rs. 316.81 crore, income tax expense of Rs. 81.75 crore and profit for the year of Rs. 235.06 crore.

Reported under net interest income: interest income of Rs. 628.44 crore and interest expense of Rs. 352.27 crore. Reported under net fee and commission income: fee and commission income of Rs. 75.98 crore and fee and commission expense of Rs. 14.01 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 144.38 crore, other operating expenses of Rs. 47.62 crore and depreciation & amortisation of Rs. 7.81 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.39 crore and non-operating expense of Rs. 0.03 crore. Reported under income tax expense: current tax of Rs. 81.75 crore and deferred tax of Rs. 0 crore.

LSL quarterly for Q2 2082/83

In the quarter Q2 2082/83, Laxmi Sunrise Bank Limited reported net interest income of Rs. 262.59 crore, net fee and commission income of Rs. 62.19 crore, net trading income of Rs. 18.94 crore, other operating income of Rs. 20.44 crore, total operating income of Rs. 364.15 crore, impairment charge/(reversal) of Rs. 253.43 crore, net operating income of Rs. 110.72 crore, operating expenses of Rs. 161.99 crore, operating profit of Rs. 51.26 crore, non-operating income/(expense) of Rs. 12.01 crore, profit before income tax of Rs. 63.27 crore, income tax expense of Rs. 10.54 crore and profit for the year of Rs. 52.73 crore.

Reported under net interest income: interest income of Rs. 625.91 crore and interest expense of Rs. 363.33 crore. Reported under net fee and commission income: fee and commission income of Rs. 74.59 crore and fee and commission expense of Rs. 12.41 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 107.05 crore, other operating expenses of Rs. 47.14 crore and depreciation & amortisation of Rs. 7.8 crore. Reported under non-operating income/(expense): non-operating income of Rs. 1.24 crore and non-operating expense of Rs. 13.24 crore. Reported under income tax expense: current tax of Rs. 10.54 crore and deferred tax of Rs. 0 crore.

LSL quarterly for Q1 2082/83

In the quarter Q1 2082/83, Laxmi Sunrise Bank Limited reported net interest income of Rs. 286.51 crore, net fee and commission income of Rs. 68.96 crore, net trading income of Rs. 21.44 crore, other operating income of Rs. 31.06 crore, total operating income of Rs. 407.97 crore, impairment charge/(reversal) of Rs. 194.99 crore, net operating income of Rs. 212.97 crore, operating expenses of Rs. 167.83 crore, operating profit of Rs. 45.14 crore, non-operating income/(expense) of Rs. 0.63 crore, profit before income tax of Rs. 45.77 crore, income tax expense of Rs. 13.81 crore and profit for the year of Rs. 31.96 crore.

Reported under net interest income: interest income of Rs. 691.87 crore and interest expense of Rs. 405.35 crore. Reported under net fee and commission income: fee and commission income of Rs. 80.33 crore and fee and commission expense of Rs. 11.38 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 114.32 crore, other operating expenses of Rs. 45.59 crore and depreciation & amortisation of Rs. 7.93 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.66 crore and non-operating expense of Rs. 0.03 crore. Reported under income tax expense: current tax of Rs. 13.81 crore and deferred tax of Rs. 0 crore.

LSL quarterly for Q4 2081/82

In the quarter Q4 2081/82, Laxmi Sunrise Bank Limited reported net interest income of Rs. 362.28 crore, net fee and commission income of Rs. 74.03 crore, net trading income of Rs. 19.14 crore, other operating income of Rs. 10.79 crore, total operating income of Rs. 466.24 crore, impairment charge/(reversal) of Rs. 195.28 crore, net operating income of Rs. 661.52 crore, operating expenses of Rs. 305.82 crore, operating profit of Rs. 355.7 crore, non-operating income/(expense) of Rs. 20.01 crore, profit before income tax of Rs. 335.69 crore, income tax expense of Rs. 90.37 crore and profit for the year of Rs. 245.31 crore.

Reported under net interest income: interest income of Rs. 804.84 crore and interest expense of Rs. 442.55 crore. Reported under net fee and commission income: fee and commission income of Rs. 88.62 crore and fee and commission expense of Rs. 14.58 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 243.42 crore, other operating expenses of Rs. 27.61 crore and depreciation & amortisation of Rs. 34.78 crore. Reported under non-operating income/(expense): non-operating income of Rs. 8.85 crore and non-operating expense of Rs. 28.86 crore. Reported under income tax expense: current tax of Rs. 102.27 crore and deferred tax of Rs. 11.9 crore.

LSL Profit & Loss

Values in Rs. Crore unless stated otherwise.

Particulars	2081/82	2080/81	2079/80	2078/79
Net Interest Income	1,135	1,284	609	431
Interest Income	2,966	3,667	1,979	1,392
Interest Expense	-1,831	-2,382	-1,370	-961
Net Fee and Commission Income	245	226	113	116
Fee and Commission Income	297	272	136	137
Fee and Commission Expense	-52.1	-46.6	-22.7	-20.8
Net Trading Income	52.0	26.3	21.4	27.1
Other Operating Income	55.4	24.6	51.2	26.7
Total Operating Income	1,487	1,561	795	601
Impairment Charge/(Reversal)	-134	-357	-116	-59.6
Net Operating Income	1,353	1,204	679	542
Operating Expenses	-741	-746	-355	-303
Operating Expense - Personnel Expenses	-533	-537	-227	-193
Other Operating Expenses	-147	-144	-90.5	-75.2
Depreciation & Amortisation	-61.4	-65.1	-37.1	-34.8
Operating Profit	612	458	324	239
Non-Operating Income/(Expense)	-33.0	-9.7	-23.2	-2.6
Non-Operating Income	10.1	21.2	0.86	1.0
Non-Operating Expense	-43.1	-31.0	-24.0	-3.7
Profit Before Income Tax	579	448	301	236
Income Tax Expense	-166	-150	-78.7	-67.9
Current Tax	-183	-129	-94.1	-76.2
Deferred Tax	17.1	-21.4	15.4	8.3
Profit for the Year	413	298	222	168

LSL Balance Sheet

Values in Rs. Crore unless stated otherwise.

Particulars	2081/82	2080/81	2079/80	2078/79
Total Assets	44,782	40,017	36,576	17,733
Cash and Cash Equivalents	1,017	1,558	1,897	1,128
Due from Nepal Rastra Bank	1,639	1,554	2,071	638
Placement with Banks and FIs	909	610	73.9	4.4
Derivative Financial Instruments	1,114	519	190	36.3
Other Trading Assets	0.00	0.00	6.8	1.0
Loans and Advances to Banks and FIs	619	559	559	308
Loans and Advances to Customers	28,095	25,400	25,380	13,444
Investment Securities	9,866	8,731	5,351	1,690
Current Tax Assets	9.4	11.4	21.8	10.5
Investment in Subsidiaries	0.00	0.00	0.00	0.00
Investment in Associates	0.00	0.00	0.00	28.3
Investment Property	219	156	128	7.1
Property and Equipment	494	463	493	247
Goodwill and Intangible Assets	59.6	60.7	53.3	8.8
Deferred Tax Assets	0.00	0.00	0.00	7.4
Other Assets	740	395	351	175
Total Liabilities	40,169	35,898	32,689	16,024
Due to Banks and FIs	606	548	497	272
Due to Nepal Rastra Bank	0.00	0.00	0.00	257
Derivative Financial Instruments	1,114	518	190	36.4
Deposits from Customers	36,864	33,047	29,774	14,178
Borrowings	54.8	398	508	643
Current Tax Liabilities	0.00	0.00	0.00	0.00
Provisions	0.00	0.00	0.00	0.00
Deferred Tax Liabilities	46.2	26.1	21.7	0.00
Other Liabilities	785	661	898	238
Debt Securities Issued	700	700	800	400
Subordinated Liabilities	0.00	0.00	0.00	0.00
Total Equity	4,613	4,119	3,887	1,709
Share Capital	2,435	2,319	2,167	1,155
Share Premium	0.00	0.00	0.00	0.00
Retained Earnings	299	124	207	162
Reserves	1,856	1,655	1,492	367
Non Controlling Interest	23.9	22.6	21.1	25.0

LSL Cash Flow

Values in Rs. Crore unless stated otherwise.

Particulars	2081/82	2080/81	2079/80	2078/79
Net Cash Flow from Operating Activities (A)	314	3,008	4,445	421
Interest Received	2,700	3,246	1,533	1,324
Fees and Other Income Received	297	272	136	137
Dividend Received	0.00	0.00	0.00	0.00
Receipts from Other Operating Activities	14.8	84.6	-25.9	99.5
Interest Paid	-1,733	-2,350	-1,411	-924
Commission and Fees Paid	-52.1	-46.6	-22.7	-20.8
Cash Payment to Employees	-517	-522	-236	-191
Other Expense Paid	-277	-218	-198	-142
Operating Cash Flows Before Changes in Operating Assets and Liabilities	432	466	-224	283
Due from Nepal Rastra Bank	-85.1	517	-1,433	91.1
Placement with Banks and Financial Institutions	-300	-536	-69.5	19.3
Other Trading Assets	0.00	6.8	-5.8	-1.0
Loan and Advances to Banks and Financial Institutions	-60.4	0.50	-248	-214
Loan and Advances to Customers	-2,843	-244	-11,709	-2,335
Other Assets	-893	-389	-290	532
Due to Banks and Financial Institutions	57.9	50.7	225	-147
Due to Nepal Rastra Bank	0.00	0.00	-257	-180
Deposit from Customers	3,816	3,273	15,597	2,528
Borrowings	-343	-110	-135	284
Other Liabilities	698	122	3,661	-350
Net Cash Flow from Operating Activities Before Tax Paid	480	3,158	5,111	512
Income Taxes Paid	-166	-150	-666	-90.7
Net Cash Flow from Investing Activities (B)	-779	-3,133	-3,635	-520
Purchase of Investment Securities	-1,088	-3,418	-3,571	-464
Receipts from Sale of Investment Securities	82.4	19.0	31.9	-10.9
Purchase of Property and Equipment	-58.3	-37.3	-39.0	-138
Receipt from Sale of Property and Equipment	0.32	3.5	0.34	0.47
Purchase of Intangible Assets	-3.4	-11.7	-48.5	-3.6
Receipt from Sale of Intangible Assets	0.00	0.00	0.00	0.00
Purchase of Investment Properties	-77.3	-50.1	-120	3.5
Receipt from Sale of Investment Properties	15.9	22.2	0.00	0.00
Interest Received	323	318	97.7	59.7
Dividend Received	27.3	20.9	14.4	32.5
Net Cash Flow from Financing Activities (C)	-76.4	-213	-42.1	126
Receipt from Issue of Debt Securities	0.00	0.00	0.00	200
Repayment of Debt Securities	0.00	-100	0.00	0.00
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	-6.5	-8.3	-5.1	-37.7
Interest Paid	-67.7	-76.0	-37.0	-36.6
Other Receipt/Payment	-2.2	-28.4	0.00	0.00
Net Increase/(Decrease) in Cash and Cash Equivalents	-541	-339	769	26.4
Cash and Cash Equivalents at Shrawan 01 (Beginning of the Year)	1,558	1,897	1,128	1,102
Effect of Exchange Rate Fluctuations on Cash and Cash Equivalents Held	0.00	0.00	0.00	0.00
Cash and Cash Equivalents at Ashadh End	1,017	1,558	1,897	1,128

LSL 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	276	263	287	362	284	262	280	325	297	290	295
Interest Income	628	626	692	805	709	716	791	873	861	896	948
Interest Expense	-352	-363	-405	-443	-425	-454	-512	-548	-565	-606	-654
Net Fee and Commission Income	62.0	62.2	69.0	74.0	58.7	57.4	54.9	56.3	62.0	51.3	47.8
Fee and Commission Income	76.0	74.6	80.3	88.6	71.4	70.9	66.4	77.2	72.2	60.1	61.9
Fee and Commission Expense	-14.0	-12.4	-11.4	-14.6	-12.8	-13.5	-11.6	-20.9	-10.2	-8.8	-14.1
Net Trading Income	29.2	18.9	21.4	19.1	15.3	10.3	7.3	8.8	6.3	8.1	3.2
Other Operating Income	3.9	20.4	31.1	10.8	16.3	9.8	19.3	-2.8	3.8	10.8	13.0
Total Operating Income	371	364	408	466	374	339	361	387	369	360	359
Impairment Charge/(Reversal)	145	-253	-195	195	-127	-76.9	-118	58.7	-126	-60.9	-215
Net Operating Income	516	111	213	662	247	262	244	446	243	299	144
Operating Expenses	-200	-162	-168	-306	-166	-162	-162	-215	-157	-164	-134
Operating Expense - Personnel Expenses	-144	-107	-114	-243	-116	-111	-113	-162	-104	-111	-86.1
Other Operating Expenses	-47.6	-47.1	-45.6	-27.6	-41.3	-43.0	-40.5	-43.4	-45.6	-45.0	-39.2
Depreciation & Amortisation	-7.8	-7.8	-7.9	-34.8	-8.0	-8.1	-8.4	-8.9	-7.7	-8.5	-9.1
Operating Profit	316	-51.3	45.1	356	81.7	99.9	81.8	231	85.3	135	9.4
Non-Operating Income/(Expense)	0.36	-12.0	0.63	-20.0	-0.64	-13.5	1.1	-20.3	0.39	1.6	-0.13
Non-Operating Income	0.39	1.2	0.66	8.8	-0.27	0.35	1.2	9.1	0.39	1.6	-0.11
Non-Operating Expense	-0.03	-13.2	-0.03	-28.9	-0.36	-13.8	-0.05	-29.4	0.00	0.00	-0.01
Profit Before Income Tax	317	-63.3	45.8	336	81.1	86.5	83.0	211	85.7	137	9.3
Income Tax Expense	-81.8	10.5	-13.8	-90.4	-26.2	-28.7	-25.0	-63.4	-25.3	-35.5	-5.8
Current Tax	-81.8	10.5	-13.8	-102	-26.2	-28.7	-25.0	-63.4	-25.3	-35.5	-5.8
Deferred Tax	0.00	0.00	0.00	11.9	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Profit for the Year	235	-52.7	32.0	245	54.9	57.8	57.9	148	60.4	101	3.5

Laxmi Sunrise Bank share price history

Over the last 15 trading sessions LSL closed between Rs. 216.90 and Rs. 250.00, finishing at Rs. 250.00 on 2026-09-22 against Rs. 216.90 on 2026-08-26.

Date	Open	High	Low	Close	Volume
2026-09-22	251.00	253.90	248.00	250.00	6,93,050
2026-09-18	250.40	250.40	233.10	246.40	11,07,292
2026-09-17	235.00	239.00	234.10	238.50	3,73,392
2026-09-16	232.20	236.00	230.90	232.10	3,13,812
2026-09-15	240.80	240.80	230.50	236.30	8,38,214
2026-09-14	225.10	231.00	225.00	229.40	3,96,536
2026-09-11	226.50	228.50	222.00	227.30	86,278
2026-09-10	226.00	227.80	221.20	224.00	1,12,172
2026-09-09	236.20	236.20	223.30	226.00	43,166
2026-09-07	234.10	234.10	222.40	225.00	1,13,537
2026-09-03	221.30	225.00	221.30	223.00	78,161
2026-09-02	219.00	221.00	217.00	221.00	68,290
2026-09-01	217.50	220.00	216.00	219.00	40,394
2026-08-31	217.00	217.50	215.10	217.10	63,898
2026-08-26	217.80	217.80	215.00	216.90	47,922

LSL share price by year

2026, between Rs. 203.00 and Rs. 253.90, 2025, between Rs. 182.73 and Rs. 229.09, 2024, between Rs. 124.33 and Rs. 259.74 and 2023, between Rs. 139.26 and Rs. 168.31.

Year	Low (Rs.)	High (Rs.)	Sessions
2026	203.00	253.90	168
2025	182.73	229.09	225
2024	124.33	259.74	232
2023	139.26	168.31	70

Laxmi Sunrise Bank share price returns

At Rs. 250.00 on 2026-09-22, LSL is up 5.80% over 1 week, up 13.64% over 1 month, up 15.53% over 3 months, up 6.38% over 6 months and up 19.13% over 1 year. 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	+5.80%	236.30	2026-09-15
1 month	+13.64%	220.00	2026-08-21
3 months	+15.53%	216.40	2026-06-24
6 months	+6.38%	235.00	2026-03-26
1 year	+19.13%	209.86	2025-09-21

LSL floorsheet for 2026-09-22

LSL traded 957 times on 2026-09-22, moving 6,76,206 shares for Rs. 16.96 crore of turnover. Trades went through between Rs. 244.30 and Rs. 253.90.

Largest buyers by volume: broker 44, Dynamic Money Managers Securities Pvt.Ltd on 2,23,295 shares across 179 trades, broker 33, Dakshinkali Investment Securities Pvt.Limited on 1,01,690 shares across 121 trades, broker 42, Sani Securities Company Limited on 55,826 shares across 108 trades, broker 35, Kohinoor Investment and Securities Pvt.Ltd on 43,280 shares across 68 trades, broker 50, Crystal Kanchenjunga Securities Pvt.Ltd on 34,700 shares across 73 trades, broker 67, Property Wizard Limited on 25,000 shares across 20 trades, broker 85, Capital Hub P. Ltd on 24,500 shares across 22 trades, broker 94, K.B.L. Securities Limited on 18,800 shares across 31 trades, broker 57, Arya Tara Investment And Securities Pvt. Ltd. on 12,251 shares across 17 trades and broker 17, ABC Securities Pvt. Limited on 12,191 shares across 37 trades.

Largest sellers by volume: broker 44, Dynamic Money Managers Securities Pvt.Ltd on 85,118 shares across 15 trades, broker 42, Sani Securities Company Limited on 66,246 shares across 70 trades, broker 14, Nepal Stock House Pvt. Limited on 66,169 shares across 48 trades, broker 6, Agrawal Securities Pvt. Limited on 49,411 shares across 38 trades, broker 94, K.B.L. Securities Limited on 47,469 shares across 24 trades, broker 17, ABC Securities Pvt. Limited on 28,885 shares across 32 trades, broker 49, Online Securities Limited on 28,582 shares across 49 trades, broker 33, Dakshinkali Investment Securities Pvt.Limited on 24,457 shares across 24 trades, broker 58, Naasa Securities Co. Ltd. on 17,252 shares across 54 trades and broker 60, Nagarik Stock Dealer Company Ltd. on 16,461 shares across 11 trades.

LSL dividend history: bonus shares and cash dividend

Laxmi Sunrise Bank Limited most recently declared a 10% bonus share issue for 2081/2082, announced on 2025-12-05. 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	Announced
2081/2082	10%	2025-12-05
2080/2081	5%	2024-12-17
2079/2080	7%	2023-12-21

For 2081/2082 Laxmi Sunrise Bank Limited declared a 10% bonus share issue, announced on 2025-12-05.

For 2080/2081 Laxmi Sunrise Bank Limited declared a 5% bonus share issue, announced on 2024-12-17.

For 2079/2080 Laxmi Sunrise Bank Limited declared a 7% bonus share issue, announced on 2023-12-21.

LSL general meetings

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

25th AGM for 2081/2082: on 2025-12-29, at Agrawal Bhawan, Kamalpokhari, Kathmandu (11:00 AM)
24th AGM for 2080/2081: on 2025-01-08, at Agrawal Bhawan, Kamalpokhari, Kathmandu (11:00 AM)
23rd AGM for 2079/2080: on 2024-01-11, at Agrawal Bhawan, Kamalpokhari, Kathmandu (2:00 PM)

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

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