Machhapuchhre Bank Limited (MBL) Share Price & Fundamentals

Machhapuchhre Bank (MBL) share price is Rs. 264.30, up 1.34% on 2026-09-22. Open Rs. 260.80. High Rs. 265.10. Low Rs. 260.00. Volume 174,783.

Machhapuchhre Bank Limited is a NEPSE-listed company (MBL), Commercial Banks sector. Revenue: Rs. 751.88 Crore. Net profit: Rs. 189.54 Crore. Net worth: Rs. 1,901.28 Crore.

About Machhapuchhre Bank Limited

Machhapuchhre Bank Limited (MBL) has 12,08,62,116 shares outstanding. Its most recent declared dividend was 4.00% on face value.

Company website: www.machbank.com.

MBL key metrics

Market Cap	Rs. 3,194.39 Crore
P/E Ratio	16.85
P/E Ratio (TTM)	14.84
EPS	Rs. 15.68
EPS (TTM)	Rs. 17.81
Book Value	Rs. 157.31
Dividend Yield	1.51%
Face Value	Rs. 100.00
52 Week High	Rs. 284.00
52 Week Low	Rs. 205.00

MBL strengths

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

Lends out 76.8% of deposits, comfortably within the 90% Nepal Rastra Bank allows. (Liquidity & Funding)
92.8% of its funding comes from customer deposits, which are cheap and stable. (Liquidity & Funding)
19.1% of income comes from fees and commissions, so it does not depend on lending alone. (Margins & Income Quality)
Profit grew 12.2% on last year. (Growth)
Turns 25.4% of its income into profit once every cost is paid. (Profitability)
Only 1.1% of funding is borrowed, so the bank largely funds itself. (Liquidity & Funding)
Customer deposits grew 16.1% on last year, giving it more cheap money to lend. (Growth)
73.1% of income comes from lending, which is steady and predictable. (Margins & Income Quality)
Total income grew 11.7% on last year. (Growth)
The bank grew 14.7% bigger over the year. (Shareholder Returns)

MBL 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 10%, 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 2.6% from the gap between lending and deposit rates, so core earnings are squeezed. (Margins & Income Quality)
Each share produced Rs 17.49 over the year. (Shareholder Returns)
13% of income is lost to loans going bad, which eats directly into profit. (Asset Quality)
Staff costs take 32.7% of income, a heavy load on earnings. (Efficiency)
Only 8.7% of what it owns belongs to shareholders, so there is less cushion for losses. (Capital Strength)
Income from lending moved 5.5%, so the core business is not growing. (Growth)
Operating margin is 38.1%, so running costs take too much of what core banking earns. (Profitability)
Owns 11.5x for every rupee shareholders put in. A high multiple magnifies losses as well as gains. (Capital Strength)
The loan book moved 11.6%, so lending is not expanding. (Growth)
Each share is backed by only Rs 156.44 of net worth. (Shareholder Returns)
Loans are 65% of what the bank owns, so most of its risk sits in lending. (Asset Quality)
Only 7.9% of income comes from outside interest, so a change in rates hits hard. (Margins & Income Quality)

MBL Q3 2082/83 results

In Q3 2082/83 Machhapuchhre Bank Limited reported profit of Rs. 65.38 crore and total operating income of Rs. 210.97 crore. Profit in Q2 2082/83 was Rs. 62.34 crore. Profit grew 4.87% on the previous quarter. Total operating income grew 3.10% on the previous quarter. Profit in Q3 2081/82, the same quarter a year earlier, was Rs. 29.45 crore. Profit grew 122.00% on the same quarter last year. Total operating income grew 13.23% on the same quarter last year.

MBL annual results 2081/82

For the financial year 2081/82 Machhapuchhre Bank Limited reported net profit of Rs. 189.54 crore, total operating income of Rs. 751.88 crore and net worth of Rs. 1,901.28 crore. Net profit in 2080/81 was Rs. 104.1 crore. Net profit grew 82.08% on the year. Total operating income grew 16.89% on the year.

MBL profit and loss for 2081/82

In the financial year 2081/82, Machhapuchhre Bank Limited reported net interest income of Rs. 576.38 crore, net fee and commission income of Rs. 132.76 crore, net trading income of Rs. 33.22 crore, other operating income of Rs. 9.52 crore, total operating income of Rs. 751.88 crore, impairment charge/(reversal) of Rs. 55.67 crore, net operating income of Rs. 696.22 crore, operating expenses of Rs. 379.47 crore, operating profit of Rs. 316.75 crore, non-operating income/(expense) of Rs. 42.59 crore, profit before income tax of Rs. 274.16 crore, income tax expense of Rs. 84.62 crore and profit for the year of Rs. 189.54 crore.

Reported under net interest income: interest income of Rs. 1,455.68 crore and interest expense of Rs. 879.29 crore. Reported under net fee and commission income: fee and commission income of Rs. 165.06 crore and fee and commission expense of Rs. 32.3 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 250.01 crore, other operating expenses of Rs. 86.64 crore and depreciation & amortisation of Rs. 42.82 crore. Reported under non-operating income/(expense): non-operating income of Rs. 5.24 crore and non-operating expense of Rs. 47.83 crore. Reported under income tax expense: current tax of Rs. 90.12 crore and deferred tax of Rs. 5.5 crore.

MBL profit and loss for 2080/81

In the financial year 2080/81, Machhapuchhre Bank Limited reported net interest income of Rs. 500.67 crore, net fee and commission income of Rs. 110.67 crore, net trading income of Rs. 23.04 crore, other operating income of Rs. 8.87 crore, total operating income of Rs. 643.24 crore, impairment charge/(reversal) of Rs. 139.82 crore, net operating income of Rs. 503.42 crore, operating expenses of Rs. 337.19 crore, operating profit of Rs. 166.24 crore, non-operating income/(expense) of Rs. 1.21 crore, profit before income tax of Rs. 165.03 crore, income tax expense of Rs. 60.93 crore and profit for the year of Rs. 104.1 crore.

Reported under net interest income: interest income of Rs. 1,660.2 crore and interest expense of Rs. 1,159.53 crore. Reported under net fee and commission income: fee and commission income of Rs. 139.37 crore and fee and commission expense of Rs. 28.71 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 211.23 crore, other operating expenses of Rs. 83.73 crore and depreciation & amortisation of Rs. 42.23 crore. Reported under non-operating income/(expense): non-operating income of Rs. 8.53 crore and non-operating expense of Rs. 9.74 crore. Reported under income tax expense: current tax of Rs. 68.01 crore and deferred tax of Rs. 7.08 crore.

MBL profit and loss for 2079/80

In the financial year 2079/80, Machhapuchhre Bank Limited reported net interest income of Rs. 539.2 crore, net fee and commission income of Rs. 117.67 crore, net trading income of Rs. 28.04 crore, other operating income of Rs. 8.08 crore, total operating income of Rs. 692.99 crore, impairment charge/(reversal) of Rs. 114.83 crore, net operating income of Rs. 578.16 crore, operating expenses of Rs. 338.77 crore, operating profit of Rs. 239.39 crore, non-operating income/(expense) of Rs. 4.53 crore, profit before income tax of Rs. 234.86 crore, income tax expense of Rs. 71.29 crore and profit for the year of Rs. 163.57 crore.

Reported under net interest income: interest income of Rs. 1,928.92 crore and interest expense of Rs. 1,389.72 crore. Reported under net fee and commission income: fee and commission income of Rs. 142.94 crore and fee and commission expense of Rs. 25.27 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 213.8 crore, other operating expenses of Rs. 83.11 crore and depreciation & amortisation of Rs. 41.86 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.89 crore and non-operating expense of Rs. 5.42 crore. Reported under income tax expense: current tax of Rs. 74.61 crore and deferred tax of Rs. 3.32 crore.

MBL balance sheet for 2081/82

In the financial year 2081/82, Machhapuchhre Bank Limited reported total assets of Rs. 21,755.33 crore, total liabilities of Rs. 19,854.04 crore and total equity of Rs. 1,901.28 crore.

Reported under total assets: cash and cash equivalents of Rs. 775.66 crore, due from nepal rastra bank of Rs. 832.62 crore, placement with banks and fis of Rs. 173.2 crore, derivative financial instruments of Rs. 0 crore, other trading assets of Rs. 0 crore, loans and advances to banks and fis of Rs. 580.97 crore, loans and advances to customers of Rs. 14,143.6 crore, investment securities of Rs. 4,575.14 crore, current tax assets of Rs. 76.46 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investment property of Rs. 59.44 crore, property and equipment of Rs. 155.96 crore, goodwill and intangible assets of Rs. 12.47 crore, deferred tax assets of Rs. 25.52 crore and other assets of Rs. 344.3 crore. Reported under total liabilities: due to banks and fis of Rs. 267.99 crore, due to nepal rastra bank of Rs. 0 crore, derivative financial instruments of Rs. 1 crore, deposits from customers of Rs. 18,413.47 crore, borrowings of Rs. 214.35 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 407.41 crore, debt securities issued of Rs. 549.83 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 1,162.14 crore, share premium of Rs. 3.09 crore, retained earnings of Rs. 94.28 crore, reserves of Rs. 632.31 crore and non controlling interest of Rs. 9.46 crore.

MBL balance sheet for 2080/81

In the financial year 2080/81, Machhapuchhre Bank Limited reported total assets of Rs. 18,951.83 crore, total liabilities of Rs. 17,230.92 crore and total equity of Rs. 1,720.91 crore.

Reported under total assets: cash and cash equivalents of Rs. 781.54 crore, due from nepal rastra bank of Rs. 634.02 crore, placement with banks and fis of Rs. 40.48 crore, derivative financial instruments of Rs. 0.45 crore, other trading assets of Rs. 1.33 crore, loans and advances to banks and fis of Rs. 510.14 crore, loans and advances to customers of Rs. 12,660.52 crore, investment securities of Rs. 3,584.64 crore, current tax assets of Rs. 93.56 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investment property of Rs. 120.19 crore, property and equipment of Rs. 159.98 crore, goodwill and intangible assets of Rs. 13 crore, deferred tax assets of Rs. 15.74 crore and other assets of Rs. 336.23 crore. Reported under total liabilities: due to banks and fis of Rs. 312.85 crore, due to nepal rastra bank of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, deposits from customers of Rs. 15,843.82 crore, borrowings of Rs. 209.11 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 315.59 crore, debt securities issued of Rs. 549.55 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 1,162.14 crore, share premium of Rs. 3.09 crore, retained earnings of Rs. 35.78 crore, reserves of Rs. 582.46 crore and non controlling interest of Rs. 9 crore.

MBL balance sheet for 2079/80

In the financial year 2079/80, Machhapuchhre Bank Limited reported total assets of Rs. 18,643.57 crore, total liabilities of Rs. 17,018.23 crore and total equity of Rs. 1,625.33 crore.

Reported under total assets: cash and cash equivalents of Rs. 1,063.35 crore, due from nepal rastra bank of Rs. 930.91 crore, placement with banks and fis of Rs. 145.83 crore, derivative financial instruments of Rs. 0 crore, other trading assets of Rs. 48.95 crore, loans and advances to banks and fis of Rs. 446.42 crore, loans and advances to customers of Rs. 12,613.77 crore, investment securities of Rs. 2,761.7 crore, current tax assets of Rs. 78.49 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investment property of Rs. 60.99 crore, property and equipment of Rs. 158.78 crore, goodwill and intangible assets of Rs. 13.46 crore, deferred tax assets of Rs. 9.12 crore and other assets of Rs. 311.78 crore. Reported under total liabilities: due to banks and fis of Rs. 410.51 crore, due to nepal rastra bank of Rs. 1.3 crore, derivative financial instruments of Rs. 0 crore, deposits from customers of Rs. 15,391.17 crore, borrowings of Rs. 339.5 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 326.35 crore, debt securities issued of Rs. 549.4 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 1,025.72 crore, share premium of Rs. 3.09 crore, retained earnings of Rs. 145.62 crore, reserves of Rs. 441.85 crore and non controlling interest of Rs. 9.06 crore.

MBL cash flow for 2081/82

In the financial year 2081/82, Machhapuchhre Bank Limited reported net cash flow from operating activities (a) of Rs. 796.04 crore, net cash flow from investing activities (b) of Rs. 752.03 crore, net cash flow from financing activities (c) of Rs. 49.88 crore, net increase/(decrease) in cash and cash equivalents of Rs. 5.87 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 781.54 crore, effect of exchange rate fluctuations on cash and cash equivalents held of Rs. 0 crore and cash and cash equivalents at ashadh end of Rs. 775.66 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 1,242.65 crore, fees and other income received of Rs. 165.06 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 45.56 crore, interest paid of Rs. 829.13 crore, commission and fees paid of Rs. 32.3 crore, cash payment to employees of Rs. 250.01 crore, other expense paid of Rs. 134.47 crore, operating cash flows before changes in operating assets and liabilities of Rs. 207.36 crore, (increase)/decrease in operating assets of Rs. 1,943.33 crore, due from nepal rastra bank of Rs. 198.6 crore, placement with banks and financial institutions of Rs. 132.72 crore, other trading assets of Rs. 1.78 crore, loan and advances to banks and financial institutions of Rs. 70.82 crore, loan and advances to customers of Rs. 1,538.75 crore, other assets of Rs. 4.22 crore, increase/(decrease) in operating liabilities of Rs. 2,609.46 crore, due to banks and financial institutions of Rs. 44.86 crore, due to nepal rastra bank of Rs. 0 crore, deposit from customers of Rs. 2,569.66 crore, borrowings of Rs. 5.24 crore, other liabilities of Rs. 79.43 crore, net cash flow from operating activities before tax paid of Rs. 873.48 crore and income taxes paid of Rs. 77.45 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 989.97 crore, receipts from sale of investment securities of Rs. 0 crore, purchase of property and equipment of Rs. 38.87 crore, receipt from sale of property and equipment of Rs. 0.08 crore, purchase of intangible assets of Rs. 0.53 crore, receipt from sale of intangible assets of Rs. 0 crore, purchase of investment properties of Rs. 7.52 crore, receipt from sale of investment properties of Rs. 68.28 crore, interest received of Rs. 213.03 crore and dividend received of Rs. 2.42 crore. Reported under net cash flow from financing activities (c): receipt from issue of debt securities of Rs. 0.28 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. 50.16 crore and other receipt/payment of Rs. 0 crore.

MBL cash flow for 2080/81

In the financial year 2080/81, Machhapuchhre Bank Limited reported net cash flow from operating activities (a) of Rs. 507 crore, net cash flow from investing activities (b) of Rs. 731.77 crore, net cash flow from financing activities (c) of Rs. 57.05 crore, net increase/(decrease) in cash and cash equivalents of Rs. 281.81 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 1,063.35 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. 781.54 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 1,467.53 crore, fees and other income received of Rs. 139.37 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 39.27 crore, interest paid of Rs. 1,109.51 crore, commission and fees paid of Rs. 28.71 crore, cash payment to employees of Rs. 211.23 crore, other expense paid of Rs. 93.47 crore, operating cash flows before changes in operating assets and liabilities of Rs. 203.26 crore, (increase)/decrease in operating assets of Rs. 172.19 crore, due from nepal rastra bank of Rs. 296.89 crore, placement with banks and financial institutions of Rs. 105.35 crore, other trading assets of Rs. 47.17 crore, loan and advances to banks and financial institutions of Rs. 63.72 crore, loan and advances to customers of Rs. 186.57 crore, other assets of Rs. 26.93 crore, increase/(decrease) in operating liabilities of Rs. 214.03 crore, due to banks and financial institutions of Rs. 97.66 crore, due to nepal rastra bank of Rs. 1.3 crore, deposit from customers of Rs. 452.64 crore, borrowings of Rs. 130.39 crore, other liabilities of Rs. 9.27 crore, net cash flow from operating activities before tax paid of Rs. 589.48 crore and income taxes paid of Rs. 82.48 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 823.44 crore, receipts from sale of investment securities of Rs. 0 crore, purchase of property and equipment of Rs. 43.65 crore, receipt from sale of property and equipment of Rs. 0.23 crore, purchase of intangible assets of Rs. 0.25 crore, receipt from sale of intangible assets of Rs. 0.21 crore, purchase of investment properties of Rs. 80 crore, receipt from sale of investment properties of Rs. 20.8 crore, interest received of Rs. 192.67 crore and dividend received of Rs. 1.17 crore. Reported under net cash flow from financing activities (c): receipt from issue of debt securities of Rs. 0.14 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. 7.18 crore, interest paid of Rs. 50.01 crore and other receipt/payment of Rs. 0 crore.

MBL cash flow for 2079/80

In the financial year 2079/80, Machhapuchhre Bank Limited reported net cash flow from operating activities (a) of Rs. 212.92 crore, net cash flow from investing activities (b) of Rs. 251.9 crore, net cash flow from financing activities (c) of Rs. 49.88 crore, net increase/(decrease) in cash and cash equivalents of Rs. 88.86 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 1,152.21 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. 1,063.35 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 1,766.47 crore, fees and other income received of Rs. 142.94 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 36.69 crore, interest paid of Rs. 1,339.72 crore, commission and fees paid of Rs. 25.27 crore, cash payment to employees of Rs. 213.8 crore, other expense paid of Rs. 88.56 crore, operating cash flows before changes in operating assets and liabilities of Rs. 278.75 crore, (increase)/decrease in operating assets of Rs. 588.1 crore, due from nepal rastra bank of Rs. 326.18 crore, placement with banks and financial institutions of Rs. 145.83 crore, other trading assets of Rs. 1.85 crore, loan and advances to banks and financial institutions of Rs. 185.67 crore, loan and advances to customers of Rs. 128.72 crore, other assets of Rs. 61 crore, increase/(decrease) in operating liabilities of Rs. 610.87 crore, due to banks and financial institutions of Rs. 96.78 crore, due to nepal rastra bank of Rs. 359.95 crore, deposit from customers of Rs. 899.68 crore, borrowings of Rs. 210.88 crore, other liabilities of Rs. 42.95 crore, net cash flow from operating activities before tax paid of Rs. 301.52 crore and income taxes paid of Rs. 88.6 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 335.44 crore, receipts from sale of investment securities of Rs. 0 crore, purchase of property and equipment of Rs. 42.33 crore, receipt from sale of property and equipment of Rs. 0.32 crore, purchase of intangible assets of Rs. 0.67 crore, receipt from sale of intangible assets of Rs. 0.02 crore, purchase of investment properties of Rs. 38.71 crore, receipt from sale of investment properties of Rs. 2.13 crore, interest received of Rs. 162.45 crore and dividend received of Rs. 0.32 crore. Reported under net cash flow from financing activities (c): receipt from issue of debt securities of Rs. 0.13 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. 50 crore and other receipt/payment of Rs. 0 crore.

MBL quarterly for Q3 2082/83

In the quarter Q3 2082/83, Machhapuchhre Bank Limited reported net interest income of Rs. 145.83 crore, net fee and commission income of Rs. 40.78 crore, net trading income of Rs. 15.81 crore, other operating income of Rs. 8.55 crore, total operating income of Rs. 210.97 crore, impairment charge/(reversal) of Rs. 9.89 crore, net operating income of Rs. 201.08 crore, operating expenses of Rs. 105.93 crore, operating profit of Rs. 95.15 crore, non-operating income/(expense) of Rs. 1.83 crore, profit before income tax of Rs. 93.32 crore, income tax expense of Rs. 27.94 crore and profit for the year of Rs. 65.38 crore.

Reported under net interest income: interest income of Rs. 328.29 crore and interest expense of Rs. 182.46 crore. Reported under net fee and commission income: fee and commission income of Rs. 51.32 crore and fee and commission expense of Rs. 10.53 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 67.44 crore, other operating expenses of Rs. 32.32 crore and depreciation & amortisation of Rs. 6.17 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.01 crore and non-operating expense of Rs. 1.84 crore. Reported under income tax expense: current tax of Rs. 25.37 crore and deferred tax of Rs. 2.57 crore.

MBL quarterly for Q2 2082/83

In the quarter Q2 2082/83, Machhapuchhre Bank Limited reported net interest income of Rs. 148.24 crore, net fee and commission income of Rs. 37.62 crore, net trading income of Rs. 9.46 crore, other operating income of Rs. 9.32 crore, total operating income of Rs. 204.63 crore, impairment charge/(reversal) of Rs. 11.34 crore, net operating income of Rs. 193.29 crore, operating expenses of Rs. 102.97 crore, operating profit of Rs. 90.32 crore, non-operating income/(expense) of Rs. 1.1 crore, profit before income tax of Rs. 89.22 crore, income tax expense of Rs. 26.88 crore and profit for the year of Rs. 62.34 crore.

Reported under net interest income: interest income of Rs. 336.73 crore and interest expense of Rs. 188.49 crore. Reported under net fee and commission income: fee and commission income of Rs. 44.79 crore and fee and commission expense of Rs. 7.17 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 67.64 crore, other operating expenses of Rs. 29.14 crore and depreciation & amortisation of Rs. 6.19 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.53 crore and non-operating expense of Rs. 1.63 crore. Reported under income tax expense: current tax of Rs. 25.17 crore and deferred tax of Rs. 1.71 crore.

MBL quarterly for Q1 2082/83

In the quarter Q1 2082/83, Machhapuchhre Bank Limited reported net interest income of Rs. 146.13 crore, net fee and commission income of Rs. 48.28 crore, net trading income of Rs. 7.9 crore, other operating income of Rs. 5.89 crore, total operating income of Rs. 208.2 crore, impairment charge/(reversal) of Rs. 46.09 crore, net operating income of Rs. 162.11 crore, operating expenses of Rs. 101.96 crore, operating profit of Rs. 60.15 crore, non-operating income/(expense) of Rs. 0.14 crore, profit before income tax of Rs. 60.02 crore, income tax expense of Rs. 18.05 crore and profit for the year of Rs. 41.97 crore.

Reported under net interest income: interest income of Rs. 348.74 crore and interest expense of Rs. 202.61 crore. Reported under net fee and commission income: fee and commission income of Rs. 52.54 crore and fee and commission expense of Rs. 4.26 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 71.4 crore, other operating expenses of Rs. 24.2 crore and depreciation & amortisation of Rs. 6.36 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0 crore and non-operating expense of Rs. 0.14 crore. Reported under income tax expense: current tax of Rs. 23.02 crore and deferred tax of Rs. 4.97 crore.

MBL quarterly for Q4 2081/82

In the quarter Q4 2081/82, Machhapuchhre Bank Limited reported net interest income of Rs. 150.7 crore, net fee and commission income of Rs. 33.98 crore, net trading income of Rs. 7.47 crore, other operating income of Rs. 2.63 crore, total operating income of Rs. 189.52 crore, impairment charge/(reversal) of Rs. 36.19 crore, net operating income of Rs. 225.71 crore, operating expenses of Rs. 97.71 crore, operating profit of Rs. 128 crore, non-operating income/(expense) of Rs. 5.7 crore, profit before income tax of Rs. 133.7 crore, income tax expense of Rs. 42.54 crore and profit for the year of Rs. 91.16 crore.

Reported under net interest income: interest income of Rs. 363.6 crore and interest expense of Rs. 212.9 crore. Reported under net fee and commission income: fee and commission income of Rs. 47.05 crore and fee and commission expense of Rs. 13.08 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 66.51 crore, other operating expenses of Rs. 7.45 crore and depreciation & amortisation of Rs. 23.76 crore. Reported under non-operating income/(expense): non-operating income of Rs. 4.65 crore and non-operating expense of Rs. 1.05 crore. Reported under income tax expense: current tax of Rs. 25.98 crore and deferred tax of Rs. 16.56 crore.

MBL Profit & Loss

Values in Rs. Crore unless stated otherwise.

Particulars	2081/82	2080/81	2079/80	2078/79	2077/78	2076/77
Net Interest Income	576	501	539	489	437	388
Interest Income	1,456	1,660	1,929	1,524	1,116	1,135
Interest Expense	-879	-1,160	-1,390	-1,035	-679	-747
Net Fee and Commission Income	133	111	118	120	105	84.7
Fee and Commission Income	165	139	143	139	118	94.8
Fee and Commission Expense	-32.3	-28.7	-25.3	-19.3	-13.3	-10.1
Net Trading Income	33.2	23.0	28.0	21.7	25.8	28.2
Other Operating Income	9.5	8.9	8.1	7.5	20.4	7.0
Total Operating Income	752	643	693	638	588	508
Impairment Charge/(Reversal)	-55.7	-140	-115	-50.1	-49.8	-58.8
Net Operating Income	696	503	578	588	538	449
Operating Expenses	-379	-337	-339	-343	-288	-256
Operating Expense - Personnel Expenses	-250	-211	-214	-194	-179	-151
Other Operating Expenses	-86.6	-83.7	-83.1	-111	-89.7	-89.3
Depreciation & Amortisation	-42.8	-42.2	-41.9	-37.7	-19.2	-16.2
Operating Profit	317	166	239	246	250	193
Non-Operating Income/(Expense)	-42.6	-1.2	-4.5	-2.8	-18.9	-5.9
Non-Operating Income	5.2	8.5	0.89	3.4	0.98	0.81
Non-Operating Expense	-47.8	-9.7	-5.4	-6.3	-19.9	-6.8
Profit Before Income Tax	274	165	235	243	231	187
Income Tax Expense	-84.6	-60.9	-71.3	-74.1	-68.2	-59.9
Current Tax	-90.1	-68.0	-74.6	-75.3	-68.7	-61.6
Deferred Tax	5.5	7.1	3.3	1.2	0.44	1.7
Profit for the Year	190	104	164	169	163	127

MBL Balance Sheet

Values in Rs. Crore unless stated otherwise.

Particulars	2081/82	2080/81	2079/80	2078/79	2077/78	2076/77
Total Assets	21,755	18,952	18,644	17,871	15,823	12,434
Cash and Cash Equivalents	776	782	1,063	1,152	878	978
Due from Nepal Rastra Bank	833	634	931	605	891	455
Placement with Banks and FIs	173	40.5	146	0.00	47.7	8.1
Derivative Financial Instruments	0.00	0.45	0.00	0.00	2.2	6.7
Other Trading Assets	0.00	1.3	49.0	50.8	1.7	21.2
Loans and Advances to Banks and FIs	581	510	446	261	371	247
Loans and Advances to Customers	14,144	12,661	12,614	12,857	11,357	9,253
Investment Securities	4,575	3,585	2,762	2,427	1,970	1,194
Current Tax Assets	76.5	93.6	78.5	64.7	41.9	27.6
Investment in Subsidiaries	0.00	0.00	0.00	0.00	0.00	0.00
Investment in Associates	0.00	0.00	0.00	0.00	0.00	0.00
Investment Property	59.4	120	61.0	24.4	27.4	17.5
Property and Equipment	156	160	159	159	148	134
Goodwill and Intangible Assets	12.5	13.0	13.5	12.8	12.7	6.6
Deferred Tax Assets	25.5	15.7	9.1	5.5	3.5	3.5
Other Assets	344	336	312	253	70.7	81.0
Total Liabilities	19,854	17,231	17,018	16,413	14,526	11,274
Due to Banks and FIs	268	313	411	507	286	265
Due to Nepal Rastra Bank	0.00	0.00	1.3	361	416	1.4
Derivative Financial Instruments	1.00	0.00	0.00	0.18	0.00	0.00
Deposits from Customers	18,413	15,844	15,391	14,491	13,152	10,390
Borrowings	214	209	340	129	120	120
Current Tax Liabilities	0.00	0.00	0.00	0.00	0.00	0.00
Provisions	0.00	0.00	0.00	0.00	0.00	0.00
Deferred Tax Liabilities	0.00	0.00	0.00	0.00	0.00	0.00
Other Liabilities	407	316	326	375	237	183
Debt Securities Issued	550	550	549	549	315	315
Subordinated Liabilities	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity	1,901	1,721	1,625	1,458	1,297	1,160
Share Capital	1,162	1,162	1,026	1,026	905	846
Share Premium	3.1	3.1	3.1	3.1	3.1	3.1
Retained Earnings	94.3	-35.8	146	59.8	129	99.5
Reserves	632	582	442	360	251	211
Non Controlling Interest	9.5	9.0	9.1	8.8	8.9	0.00

MBL 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)	796	507	213	485	697	-41.6
Interest Received	1,243	1,468	1,766	1,410	986	1,010
Fees and Other Income Received	165	139	143	139	118	94.7
Dividend Received	0.00	0.00	0.00	0.00	0.00	0.00
Receipts from Other Operating Activities	45.6	39.3	36.7	31.2	43.6	34.5
Interest Paid	-829	-1,110	-1,340	-986	-648	-721
Commission and Fees Paid	-32.3	-28.7	-25.3	-19.3	-13.3	-10.1
Cash Payment to Employees	-250	-211	-214	-194	-179	-150
Other Expense Paid	-134	-93.5	-88.6	-118	-111	-97.6
Operating Cash Flows Before Changes in Operating Assets and Liabilities	207	203	279	263	197	160
(Increase)/Decrease in Operating Assets	-1,943	172	-588	-1,334	0.00	0.00
Due from Nepal Rastra Bank	-199	297	-326	286	-436	-133
Placement with Banks and Financial Institutions	-133	105	-146	47.7	-39.6	138
Other Trading Assets	1.8	47.2	1.8	-46.9	24.0	15.2
Loan and Advances to Banks and Financial Institutions	-70.8	-63.7	-186	111	-124	-3.1
Loan and Advances to Customers	-1,539	-187	129	-1,550	-2,154	-1,802
Other Assets	-4.2	-26.9	-61.0	-181	64.2	95.5
Increase/(Decrease) in Operating Liabilities	2,609	214	611	1,654	0.00	0.00
Due to Banks and Financial Institutions	-44.9	-97.7	-96.8	221	21.4	-371
Due to Nepal Rastra Bank	0.00	-1.3	-360	-54.7	415	-101
Deposit from Customers	2,570	453	900	1,340	2,762	1,869
Borrowings	5.2	-130	211	8.4	-0.02	120
Other Liabilities	79.4	-9.3	-43.0	140	50.7	37.7
Net Cash Flow from Operating Activities Before Tax Paid	873	589	302	584	780	26.4
Income Taxes Paid	-77.4	-82.5	-88.6	-98.1	-82.9	-68.0
Net Cash Flow from Investing Activities (B)	-752	-732	-252	-389	-744	-124
Purchase of Investment Securities	-990	-823	-335	-459	-823	-142
Receipts from Sale of Investment Securities	0.00	0.00	0.00	0.00	47.9	0.00
Purchase of Property and Equipment	-38.9	-43.7	-42.3	-49.2	-32.7	-47.7
Receipt from Sale of Property and Equipment	0.08	0.23	0.32	0.75	0.07	11.2
Purchase of Intangible Assets	0.53	0.25	-0.67	-0.09	-6.2	-2.6
Receipt from Sale of Intangible Assets	0.00	0.21	0.02	0.02	0.01	0.00
Purchase of Investment Properties	-7.5	-80.0	-38.7	-12.7	-22.3	-10.8
Receipt from Sale of Investment Properties	68.3	20.8	2.1	15.7	12.4	2.2
Interest Received	213	193	162	114	75.8	64.9
Dividend Received	2.4	1.2	0.32	1.4	3.6	0.45
Net Cash Flow from Financing Activities (C)	-49.9	-57.0	-49.9	178	-52.4	199
Receipt from Issue of Debt Securities	0.28	0.14	0.13	235	0.00	315
Repayment of Debt Securities	0.00	0.00	0.00	0.00	0.00	0.00
Receipt from Issue of Subordinated Liabilities	0.00	0.00	0.00	0.00	0.00	0.00
Repayment of Subordinated Liabilities	0.00	0.00	0.00	0.00	0.00	0.00
Receipt from Issue of Shares	0.00	0.00	0.00	0.00	0.00	0.00
Dividends Paid	0.00	-7.2	0.00	-8.0	-29.8	-88.6
Interest Paid	-50.2	-50.0	-50.0	-48.9	-30.8	-27.1
Other Receipt/Payment	0.00	0.00	0.00	0.00	8.2	0.00
Net Increase/(Decrease) in Cash and Cash Equivalents	-5.9	-282	-88.9	274	-99.4	33.5
Cash and Cash Equivalents at Shrawan 01 (Beginning of the Year)	782	1,063	1,152	878	978	944
Effect of Exchange Rate Fluctuations on Cash and Cash Equivalents Held	0.00	0.00	0.00	0.00	0.00	0.00
Cash and Cash Equivalents at Ashadh End	776	782	1,063	1,152	878	978

MBL 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	146	148	146	151	143	134	149	116	122	123	142
Interest Income	328	337	349	364	349	353	391	377	389	427	469
Interest Expense	-182	-188	-203	-213	-206	-218	-242	-261	-267	-304	-328
Net Fee and Commission Income	40.8	37.6	48.3	34.0	28.6	30.4	39.8	26.8	26.7	24.7	32.4
Fee and Commission Income	51.3	44.8	52.5	47.1	38.2	36.0	43.8	39.4	34.2	30.8	36.4
Fee and Commission Expense	-10.5	-7.2	-4.3	-13.1	-9.6	-5.6	-4.0	-12.6	-7.5	-6.1	-4.0
Net Trading Income	15.8	9.5	7.9	7.5	10.9	10.0	4.9	2.4	5.7	5.3	6.8
Other Operating Income	8.5	9.3	5.9	-2.6	3.9	3.4	4.8	0.65	2.7	2.8	2.0
Total Operating Income	211	205	208	190	186	178	198	146	157	156	183
Impairment Charge/(Reversal)	-9.9	-11.3	-46.1	36.2	-51.1	-24.8	4.3	-12.1	-70.6	-22.6	-1.2
Net Operating Income	201	193	162	226	135	153	202	134	86.3	133	182
Operating Expenses	-106	-103	-102	-97.7	-91.8	-91.5	-101	-74.3	-79.4	-84.2	-102
Operating Expense - Personnel Expenses	-67.4	-67.6	-71.4	-66.5	-57.4	-59.0	-69.2	-42.7	-44.1	-52.6	-74.9
Other Operating Expenses	-32.3	-29.1	-24.2	-7.4	-28.2	-26.5	-24.9	-8.2	-29.2	-25.3	-21.0
Depreciation & Amortisation	-6.2	-6.2	-6.4	-23.8	-6.2	-6.0	-6.6	-23.4	-6.1	-6.2	-6.5
Operating Profit	95.2	90.3	60.2	128	43.5	61.8	102	59.6	6.9	49.0	79.4
Non-Operating Income/(Expense)	-1.8	-1.1	-0.14	5.7	-1.3	-18.8	-28.2	-2.6	-0.14	3.4	-1.8
Non-Operating Income	0.01	0.53	0.00	4.7	0.40	0.17	0.01	5.1	0.56	2.7	0.12
Non-Operating Expense	-1.8	-1.6	-0.14	1.1	-1.7	-18.9	-28.2	-7.7	-0.70	0.65	-1.9
Profit Before Income Tax	93.3	89.2	60.0	134	42.2	43.0	73.4	57.0	6.8	52.4	77.6
Income Tax Expense	-27.9	-26.9	-18.0	-42.5	-12.7	-12.9	-22.0	-17.7	-2.1	-26.0	-23.3
Current Tax	-25.4	-25.2	-23.0	-26.0	-25.8	-14.5	-23.1	-19.4	-1.6	-27.5	-24.8
Deferred Tax	-2.6	-1.7	5.0	-16.6	13.1	1.6	1.1	1.7	-0.45	1.4	1.6
Profit for the Year	65.4	62.3	42.0	91.2	29.5	30.1	51.4	39.3	4.7	26.3	54.3

Machhapuchhre Bank share price history

Over the last 15 trading sessions MBL closed between Rs. 244.80 and Rs. 264.30, finishing at Rs. 264.30 on 2026-09-22 against Rs. 248.00 on 2026-08-26.

Date	Open	High	Low	Close	Volume
2026-09-22	260.80	265.10	260.00	264.30	1,74,783
2026-09-18	254.20	261.80	253.20	260.80	3,19,484
2026-09-17	254.30	257.80	253.40	256.90	68,124
2026-09-16	257.00	259.90	252.20	254.10	1,42,182
2026-09-15	263.00	263.00	250.00	257.70	1,93,525
2026-09-14	263.50	263.50	245.10	250.70	96,940
2026-09-11	250.00	251.00	245.40	251.00	36,390
2026-09-10	250.00	250.20	246.10	249.00	43,419
2026-09-09	262.50	262.50	247.00	249.50	50,743
2026-09-07	255.00	255.00	242.00	250.00	44,708
2026-09-03	242.20	248.80	242.20	246.00	1,06,970
2026-09-02	244.00	246.00	242.60	244.80	1,16,645
2026-09-01	246.00	247.60	243.80	245.00	56,031
2026-08-31	250.00	250.00	241.00	245.00	62,567
2026-08-26	251.00	251.00	245.10	248.00	35,090

MBL share price by year

2026, between Rs. 215.70 and Rs. 284.00, 2025, between Rs. 200.58 and Rs. 261.63, 2024, between Rs. 151.73 and Rs. 283.65, 2023, between Rs. 172.12 and Rs. 240.17, 2022, between Rs. 168.88 and Rs. 297.29 and 2021, between Rs. 185.01 and Rs. 340.81.

Year	Low (Rs.)	High (Rs.)	Sessions
2026	215.70	284.00	168
2025	200.58	261.63	225
2024	151.73	283.65	232
2023	172.12	240.17	227
2022	168.88	297.29	242
2021	185.01	340.81	239
2020	139.27	208.98	182
2019	135.30	196.62	245
2018	133.30	187.29	234
2017	176.63	276.81	230
2016	161.94	305.27	107
2015	122.75	199.10	153

Machhapuchhre Bank share price returns

At Rs. 264.30 on 2026-09-22, MBL is up 2.56% over 1 week, up 5.72% over 1 month, up 7.92% over 3 months, down 0.97% over 6 months, up 14.95% over 1 year and down 14.15% 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	+2.56%	257.70	2026-09-15
1 month	+5.72%	250.00	2026-08-21
3 months	+7.92%	244.90	2026-06-24
6 months	-0.97%	266.90	2026-03-26
1 year	+14.95%	229.92	2025-09-21
5 years	-14.15%	307.86	2021-09-23

MBL floorsheet for 2026-09-22

MBL traded 336 times on 2026-09-22, moving 1,65,224 shares for Rs. 4.35 crore of turnover. Trades went through between Rs. 260.00 and Rs. 265.10.

Largest buyers by volume: broker 1, Kumari Securities Pvt. Limited on 22,680 shares across 32 trades, broker 44, Dynamic Money Managers Securities Pvt.Ltd on 17,556 shares across 15 trades, broker 34, Vision Securities Pvt.Limited on 15,200 shares across 4 trades, broker 64, Sun Securities Pvt. Ltd on 15,000 shares across 19 trades, broker 49, Online Securities Limited on 14,323 shares across 47 trades, broker 58, Naasa Securities Co. Ltd. on 9,719 shares across 20 trades, broker 17, ABC Securities Pvt. Limited on 8,900 shares across 13 trades, broker 60, Nagarik Stock Dealer Company Ltd. on 6,268 shares across 4 trades, broker 52, Sundhara Securities Limited on 5,231 shares across 19 trades and broker 50, Crystal Kanchenjunga Securities Pvt.Ltd on 5,200 shares across 20 trades.

Largest sellers by volume: broker 65, Sharepro Securities Private Limited on 46,920 shares across 28 trades, broker 58, Naasa Securities Co. Ltd. on 12,716 shares across 24 trades, broker 13, Thrive Brokerage House Pvt. Limited on 11,618 shares across 11 trades, broker 44, Dynamic Money Managers Securities Pvt.Ltd on 10,933 shares across 23 trades, broker 57, Arya Tara Investment And Securities Pvt. Ltd. on 7,520 shares across 19 trades, broker 14, Nepal Stock House Pvt. Limited on 7,103 shares across 12 trades, broker 32, Premier Securites Company Limited on 4,685 shares across 10 trades, broker 74, Kalash Stock Market Pvt. Ltd. on 4,675 shares across 8 trades, broker 47, Neev Securities Pvt.Ltd on 4,500 shares across 1 trades and broker 48, Trishakti Securities Public Limited on 3,820 shares across 8 trades.

MBL dividend history: bonus shares and cash dividend

Machhapuchhre Bank Limited most recently declared a 3% bonus share issue and a 3% cash dividend, 6% in total for 2082/2083, announced on 2026-09-21. 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
2082/2083	3%	3%	2026-09-21
2081/2082	4%	4%	2025-09-05
2079/2080	13.3%		2023-10-30

For 2082/2083 Machhapuchhre Bank Limited declared a 3% bonus share issue and a 3% cash dividend, 6% in total, announced on 2026-09-21.

For 2081/2082 Machhapuchhre Bank Limited declared a 4% bonus share issue and a 4% cash dividend, 8% in total, announced on 2025-09-05.

For 2079/2080 Machhapuchhre Bank Limited declared a 13.3% bonus share issue, announced on 2023-10-30.

MBL general meetings

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

28th AGM for 2082/2083: on 2026-10-14, at Hotel Pokhara Grande, Pardi, Pokhara, Kaski ( 11:00 AM)
27th AGM for 2081/2082: on 2025-09-26, at Hotel Pokhara Grande, Pardi, Pokhara, Kaski (11:00 AM) (Attendance Book will be kept open from 10:00 AM onwards)
26th AGM for 2080/2081: on 2025-01-12, at Hotel Pokhara Grande, Pardi, Pokhara, Kaski (11:00 AM)

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

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