Nadep Laghubittiya bittya Sanstha Ltd. (NADEP) Share Price & Fundamentals
Nadep Laghubittiya (NADEP) share price is Rs. 704.00, up 1.44% on 2026-09-22. Open Rs. 699.00. High Rs. 704.00. Low Rs. 683.00. Volume 2,533.
Nadep Laghubittiya bittya Sanstha Ltd. is a NEPSE-listed company (NADEP), Microfinance sector. Revenue: Rs. 59.19 Crore. Net profit: Rs. 18.4 Crore. Net worth: Rs. 81.49 Crore.
About Nadep Laghubittiya bittya Sanstha Ltd.
NADEP Laghubitta Bittiya Sanstha Limited is a "D" class national-level microfinance financial institution licensed by Nepal Rastra Bank, with its head office at Gajuri-1, Dhading.
No subsidiary, associate or non-controlling interest appears in the file, and Total Equity equals Total Equity Attributable to Equity Holders in every audited year. All figures are entity figures in the "Bank" column; the "Consolidated" columns are intentionally blank.
SOURCE: NADEP.pdf, 20 pages. Almost all pages carry a genuine text layer - only the Q2 FY2081/82 page is an image, and that at 300 dpi. Three audited annual reports are included, one of which prints THREE balance-sheet columns, which is why six annual years are recoverable. Read "Notes & Audit" before use - FY2077/78 exists on two bases and the quarterly coverage is partial.
Nadep Laghubittiya bittya Sanstha Ltd. (NADEP) has 48,57,600 shares outstanding.
NADEP key metrics
NADEP strengths
What Nadep Laghubittiya bittya Sanstha Ltd.'s own accounts show in its favour, graded against the rest of its sector.
- Makes 6.9% on its assets from the gap between what it charges borrowers and pays savers. (Margins & Income Quality)
- Profit grew 512.4% on last year. (Growth)
- Bad-loan charges come to -0.3% of income, so borrowers are paying back well. (Asset Quality)
- 12.8% of what the bank owns belongs to shareholders rather than depositors and lenders. (Capital Strength)
- Owns 7.83x for every rupee shareholders put in, a modest multiple that limits risk. (Capital Strength)
- 82.3% of income comes from lending, which is steady and predictable. (Margins & Income Quality)
- Total income grew 22.9% on last year. (Growth)
- Each share earned Rs 37.88 of profit over the year. (Shareholder Returns)
- Income from lending grew 11.4% on last year, so the core business is expanding. (Growth)
- Turns 31.1% of its income into profit once every cost is paid. (Profitability)
- Keeps 41.5% of income as profit from everyday banking, before tax. (Profitability)
NADEP 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 3.7%, below what owners would hope for. (Profitability)
- Return on everything it owns is 0.5%, so its assets are not producing much. (Profitability)
- Only 34.5% of funding comes from deposits, so it relies on costlier borrowing. (Liquidity & Funding)
- Staff costs take 44.3% of income, a heavy load on earnings. (Efficiency)
- Loans are 93.2% of what the bank owns, so most of its risk sits in lending. (Asset Quality)
- The loan book moved 4.3%, so lending is not expanding. (Growth)
- 54.5% of funding is borrowed, which costs more and can dry up in a crisis. (Liquidity & Funding)
- Only 10.8% of income comes from fees, so it leans heavily on lending. (Margins & Income Quality)
- Deposits moved 9.3%, so its cheapest source of funding is not growing. (Growth)
- Each share is backed by only Rs 167.77 of net worth. (Shareholder Returns)
- The bank's size moved 6.3% over the year. (Shareholder Returns)
- Only 6.9% of income comes from outside interest, so a change in rates hits hard. (Margins & Income Quality)
NADEP Q4 2082/83 results
In Q4 2082/83 Nadep Laghubittiya bittya Sanstha Ltd. reported profit of Rs. 11.89 crore and total operating income of Rs. 22.43 crore. Profit in Q3 2082/83 was Rs. 2.74 crore. Profit grew 333.56% on the previous quarter. Total operating income grew 76.08% on the previous quarter. Profit in Q4 2081/82, the same quarter a year earlier, was Rs. 4.6 crore. Profit grew 158.31% on the same quarter last year. Total operating income grew 52.37% on the same quarter last year.
NADEP annual results 2082/83
For the financial year 2082/83 Nadep Laghubittiya bittya Sanstha Ltd. reported net profit of Rs. 18.4 crore, total operating income of Rs. 59.19 crore and net worth of Rs. 81.49 crore. Net profit in 2081/82 was Rs. 3 crore. Net profit grew 512.36% on the year. Total operating income grew 22.90% on the year.
NADEP profit and loss for 2082/83
In the financial year 2082/83, Nadep Laghubittiya bittya Sanstha Ltd. reported net interest income of Rs. 48.71 crore, net fee and commission income of Rs. 6.41 crore, net trading income of Rs. 0 crore, other operating income of Rs. 4.06 crore, total operating income of Rs. 59.19 crore, impairment charge/(reversal) of Rs. 0.2 crore, net operating income of Rs. 59.38 crore, operating expenses of Rs. 34.84 crore, operating profit of Rs. 24.54 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 24.54 crore, income tax expense of Rs. 6.15 crore and profit for the year of Rs. 18.4 crore.
Reported under net interest income: interest income of Rs. 83.87 crore and interest expense of Rs. 35.15 crore. Reported under net fee and commission income: fee and commission income of Rs. 6.41 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 26.21 crore, other operating expenses of Rs. 8.38 crore and depreciation & amortisation of Rs. 0.25 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 6.15 crore and deferred tax of Rs. 0 crore.
NADEP profit and loss for 2081/82
In the financial year 2081/82, Nadep Laghubittiya bittya Sanstha Ltd. reported net interest income of Rs. 43.72 crore, net fee and commission income of Rs. 4.44 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 48.16 crore, impairment charge/(reversal) of Rs. 10.61 crore, net operating income of Rs. 37.55 crore, operating expenses of Rs. 33.06 crore, operating profit of Rs. 4.49 crore, non-operating income/(expense) of Rs. 0.04 crore, profit before income tax of Rs. 4.53 crore, income tax expense of Rs. 1.53 crore and profit for the year of Rs. 3 crore.
Reported under net interest income: interest income of Rs. 85.74 crore and interest expense of Rs. 42.02 crore. Reported under net fee and commission income: fee and commission income of Rs. 4.78 crore and fee and commission expense of Rs. 0.33 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 24.43 crore, other operating expenses of Rs. 6.87 crore and depreciation & amortisation of Rs. 1.76 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.04 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 4.44 crore and deferred tax of Rs. 2.91 crore.
NADEP profit and loss for 2080/81
In the financial year 2080/81, Nadep Laghubittiya bittya Sanstha Ltd. reported net interest income of Rs. 34.61 crore, net fee and commission income of Rs. 2.71 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 37.32 crore, impairment charge/(reversal) of Rs. 8.6 crore, net operating income of Rs. 28.72 crore, operating expenses of Rs. 37.59 crore, operating profit of Rs. 8.87 crore, non-operating income/(expense) of Rs. 0.38 crore, profit before income tax of Rs. 8.49 crore, income tax expense of Rs. 1.05 crore and profit for the year of Rs. 7.44 crore.
Reported under net interest income: interest income of Rs. 81.06 crore and interest expense of Rs. 46.45 crore. Reported under net fee and commission income: fee and commission income of Rs. 3.36 crore and fee and commission expense of Rs. 0.66 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 25.24 crore, other operating expenses of Rs. 11.81 crore and depreciation & amortisation of Rs. 0.54 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.38 crore and non-operating expense of Rs. 0.01 crore. Reported under income tax expense: current tax of Rs. 1.31 crore and deferred tax of Rs. 2.36 crore.
NADEP balance sheet for 2081/82
In the financial year 2081/82, Nadep Laghubittiya bittya Sanstha Ltd. reported total assets of Rs. 638.03 crore, total liabilities of Rs. 556.54 crore and total equity of Rs. 81.49 crore.
Reported under total assets: cash and cash equivalents of Rs. 21.36 crore, due from nepal rastra bank of Rs. 3.59 crore, placement with banks and fis of Rs. 0 crore, loans and advances to banks and fis of Rs. 0 crore, loans and advances to customers of Rs. 594.78 crore, investment securities of Rs. 0.12 crore, current tax assets of Rs. 3.19 crore, property and equipment of Rs. 2.87 crore, goodwill and intangible assets of Rs. 0.06 crore, deferred tax assets of Rs. 10.38 crore and other assets of Rs. 1.68 crore. Reported under total liabilities: deposits from customers of Rs. 191.87 crore, borrowings of Rs. 303.53 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore and other liabilities of Rs. 61.14 crore. Reported under total equity: share capital of Rs. 48.58 crore, retained earnings of Rs. 8.35 crore and reserves of Rs. 41.27 crore.
NADEP balance sheet for 2080/81
In the financial year 2080/81, Nadep Laghubittiya bittya Sanstha Ltd. reported total assets of Rs. 600.35 crore, total liabilities of Rs. 524.89 crore and total equity of Rs. 75.46 crore.
Reported under total assets: cash and cash equivalents of Rs. 11.52 crore, due from nepal rastra bank of Rs. 2.96 crore, placement with banks and fis of Rs. 0 crore, loans and advances to banks and fis of Rs. 0 crore, loans and advances to customers of Rs. 570.3 crore, investment securities of Rs. 0.12 crore, current tax assets of Rs. 3.11 crore, property and equipment of Rs. 2.28 crore, goodwill and intangible assets of Rs. 0.08 crore, deferred tax assets of Rs. 8.84 crore and other assets of Rs. 1.15 crore. Reported under total liabilities: deposits from customers of Rs. 175.62 crore, borrowings of Rs. 283.67 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore and other liabilities of Rs. 65.6 crore. Reported under total equity: share capital of Rs. 48.58 crore, retained earnings of Rs. 7.7 crore and reserves of Rs. 34.58 crore.
NADEP balance sheet for 2079/80
In the financial year 2079/80, Nadep Laghubittiya bittya Sanstha Ltd. reported total assets of Rs. 523.89 crore, total liabilities of Rs. 440.4 crore and total equity of Rs. 83.49 crore.
Reported under total assets: cash and cash equivalents of Rs. 8.58 crore, due from nepal rastra bank of Rs. 2.38 crore, placement with banks and fis of Rs. 0 crore, loans and advances to banks and fis of Rs. 0 crore, loans and advances to customers of Rs. 500.18 crore, investment securities of Rs. 0.12 crore, current tax assets of Rs. 1.94 crore, property and equipment of Rs. 2.66 crore, goodwill and intangible assets of Rs. 0.05 crore, deferred tax assets of Rs. 6.53 crore and other assets of Rs. 1.44 crore. Reported under total liabilities: deposits from customers of Rs. 179.14 crore, borrowings of Rs. 201.8 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore and other liabilities of Rs. 59.46 crore. Reported under total equity: share capital of Rs. 48.58 crore, retained earnings of Rs. 6.36 crore and reserves of Rs. 28.56 crore.
NADEP cash flow for 2081/82
In the financial year 2081/82, Nadep Laghubittiya bittya Sanstha Ltd. reported net cash flow from operating activities (a) of Rs. 7.96 crore, net cash flow from investing activities (b) of Rs. 1.76 crore, net cash flow from financing activities (c) of Rs. 0.16 crore, net increase/(decrease) in cash and cash equivalents of Rs. 6.03 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 11.52 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. 17.56 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 82.02 crore, fees and other income received of Rs. 4.82 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0 crore, interest paid of Rs. 42.02 crore, commission and fees paid of Rs. 0.33 crore, cash payment to employees of Rs. 20.64 crore, other expense paid of Rs. 8.34 crore, operating cash flows before changes in operating assets and liabilities of Rs. 15.51 crore, due from nepal rastra bank of Rs. 0 crore, loan and advances to customers of Rs. 7.47 crore, other assets of Rs. 6.62 crore, deposit from customers of Rs. 0 crore, borrowings of Rs. 0 crore, other liabilities of Rs. 2.18 crore, net cash flow from operating activities before tax paid of Rs. 12.48 crore and income taxes paid of Rs. 4.52 crore. Reported under net cash flow from investing activities (b): purchase of property and equipment of Rs. 1.75 crore, receipt from sale of property and equipment of Rs. 0 crore, purchase of intangible assets of Rs. 0 crore and receipt from sale of intangible assets of Rs. 0.02 crore. Reported under net cash flow from financing activities (c): dividends paid of Rs. 0 crore and other receipt/payment of Rs. 0.16 crore.
NADEP cash flow for 2080/81
In the financial year 2080/81, Nadep Laghubittiya bittya Sanstha Ltd. reported net cash flow from operating activities (a) of Rs. 3.85 crore, net cash flow from investing activities (b) of Rs. 0.19 crore, net cash flow from financing activities (c) of Rs. 0.72 crore, net increase/(decrease) in cash and cash equivalents of Rs. 2.94 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 8.58 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. 11.52 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 74.11 crore, fees and other income received of Rs. 3.75 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0 crore, interest paid of Rs. 46.45 crore, commission and fees paid of Rs. 0.66 crore, cash payment to employees of Rs. 19.68 crore, other expense paid of Rs. 10.41 crore, operating cash flows before changes in operating assets and liabilities of Rs. 0.66 crore, due from nepal rastra bank of Rs. 0.58 crore, loan and advances to customers of Rs. 72.67 crore, other assets of Rs. 0.97 crore, deposit from customers of Rs. 3.52 crore, borrowings of Rs. 81.86 crore, other liabilities of Rs. 0.41 crore, net cash flow from operating activities before tax paid of Rs. 6.32 crore and income taxes paid of Rs. 2.47 crore. Reported under net cash flow from investing activities (b): purchase of property and equipment of Rs. 0.15 crore, receipt from sale of property and equipment of Rs. 0 crore, purchase of intangible assets of Rs. 0.04 crore and receipt from sale of intangible assets of Rs. 0 crore. Reported under net cash flow from financing activities (c): dividends paid of Rs. 0 crore and other receipt/payment of Rs. 0.72 crore.
NADEP cash flow for 2079/80
In the financial year 2079/80, Nadep Laghubittiya bittya Sanstha Ltd. reported net cash flow from operating activities (a) of Rs. 3.27 crore, net cash flow from investing activities (b) of Rs. 0.16 crore, net cash flow from financing activities (c) of Rs. 0.52 crore, net increase/(decrease) in cash and cash equivalents of Rs. 2.59 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 5.99 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. 8.58 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 74.94 crore, fees and other income received of Rs. 4.12 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0 crore, interest paid of Rs. 43.5 crore, commission and fees paid of Rs. 0.6 crore, cash payment to employees of Rs. 22.74 crore, other expense paid of Rs. 5.95 crore, operating cash flows before changes in operating assets and liabilities of Rs. 6.25 crore, due from nepal rastra bank of Rs. 0.02 crore, loan and advances to customers of Rs. 6.47 crore, other assets of Rs. 0.25 crore, deposit from customers of Rs. 2.01 crore, borrowings of Rs. 4.9 crore, other liabilities of Rs. 1.64 crore, net cash flow from operating activities before tax paid of Rs. 11.21 crore and income taxes paid of Rs. 7.94 crore. Reported under net cash flow from investing activities (b): purchase of property and equipment of Rs. 0.16 crore, receipt from sale of property and equipment of Rs. 0 crore, purchase of intangible assets of Rs. 0 crore and receipt from sale of intangible assets of Rs. 0 crore. Reported under net cash flow from financing activities (c): dividends paid of Rs. 0 crore and other receipt/payment of Rs. 0.52 crore.
NADEP quarterly for Q4 2082/83
In the quarter Q4 2082/83, Nadep Laghubittiya bittya Sanstha Ltd. reported net interest income of Rs. 16.24 crore, net fee and commission income of Rs. 6.18 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 22.43 crore, impairment charge/(reversal) of Rs. 3.49 crore, net operating income of Rs. 25.92 crore, operating expenses of Rs. 10.67 crore, operating profit of Rs. 15.24 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 15.24 crore, income tax expense of Rs. 3.36 crore and profit for the year of Rs. 11.89 crore.
Reported under net interest income: interest income of Rs. 24.99 crore and interest expense of Rs. 8.75 crore. Reported under net fee and commission income: fee and commission income of Rs. 6.18 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 7.98 crore, other operating expenses of Rs. 2.62 crore and depreciation & amortisation of Rs. 0.07 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 3.36 crore and deferred tax of Rs. 0 crore.
NADEP quarterly for Q3 2082/83
In the quarter Q3 2082/83, Nadep Laghubittiya bittya Sanstha Ltd. reported net interest income of Rs. 11.14 crore, net fee and commission income of Rs. 2.47 crore, net trading income of Rs. 0 crore, other operating income of Rs. 4.06 crore, total operating income of Rs. 12.74 crore, impairment charge/(reversal) of Rs. 0.89 crore, net operating income of Rs. 11.85 crore, operating expenses of Rs. 7.93 crore, operating profit of Rs. 3.92 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 3.92 crore, income tax expense of Rs. 1.18 crore and profit for the year of Rs. 2.74 crore.
Reported under net interest income: interest income of Rs. 19.55 crore and interest expense of Rs. 8.41 crore. Reported under net fee and commission income: fee and commission income of Rs. 2.47 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 5.93 crore, other operating expenses of Rs. 1.94 crore and depreciation & amortisation of Rs. 0.06 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 1.18 crore and deferred tax of Rs. 0 crore.
NADEP quarterly for Q2 2082/83
In the quarter Q2 2082/83, Nadep Laghubittiya bittya Sanstha Ltd. reported net interest income of Rs. 12.26 crore, net fee and commission income of Rs. 1.62 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 13.88 crore, impairment charge/(reversal) of Rs. 1.07 crore, net operating income of Rs. 12.81 crore, operating expenses of Rs. 8.25 crore, operating profit of Rs. 4.56 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 4.56 crore, income tax expense of Rs. 1.37 crore and profit for the year of Rs. 3.19 crore.
Reported under net interest income: interest income of Rs. 20.89 crore and interest expense of Rs. 8.63 crore. Reported under net fee and commission income: fee and commission income of Rs. 1.62 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 6.29 crore, other operating expenses of Rs. 1.89 crore and depreciation & amortisation of Rs. 0.06 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 1.37 crore and deferred tax of Rs. 0 crore.
NADEP quarterly for Q1 2082/83
In the quarter Q1 2082/83, Nadep Laghubittiya bittya Sanstha Ltd. reported net interest income of Rs. 9.07 crore, net fee and commission income of Rs. 1.08 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 10.15 crore, impairment charge/(reversal) of Rs. 1.33 crore, net operating income of Rs. 8.81 crore, operating expenses of Rs. 7.99 crore, operating profit of Rs. 0.82 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 0.82 crore, income tax expense of Rs. 0.25 crore and profit for the year of Rs. 0.58 crore.
Reported under net interest income: interest income of Rs. 18.43 crore and interest expense of Rs. 9.36 crore. Reported under net fee and commission income: fee and commission income of Rs. 1.08 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 6.01 crore, other operating expenses of Rs. 1.92 crore and depreciation & amortisation of Rs. 0.06 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 0.25 crore and deferred tax of Rs. 0 crore.
NADEP Profit & Loss
Values in Rs. Crore unless stated otherwise.
| Particulars | 2082/83 | 2081/82 | 2080/81 | 2079/80 | 2078/79 |
|---|
| Net Interest Income | 48.7 | 43.7 | 34.6 | 33.5 | 37.4 |
|---|
| Interest Income | 83.9 | 85.7 | 81.1 | 77.0 | 71.0 |
|---|
| Interest Expense | -35.2 | -42.0 | -46.4 | -43.5 | -33.6 |
|---|
| Net Fee and Commission Income | 6.4 | 4.4 | 2.7 | 3.4 | 3.3 |
|---|
| Fee and Commission Income | 6.4 | 4.8 | 3.4 | 4.0 | 3.6 |
|---|
| Fee and Commission Expense | 0.00 | -0.33 | -0.66 | -0.60 | -0.32 |
|---|
| Net Trading Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Other Operating Income | 4.1 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Total Operating Income | 59.2 | 48.2 | 37.3 | 36.9 | 40.7 |
|---|
| Impairment Charge/(Reversal) | 0.20 | -10.6 | -8.6 | -6.5 | -0.70 |
|---|
| Net Operating Income | 59.4 | 37.6 | 28.7 | 30.4 | 40.0 |
|---|
| Operating Expenses | -34.8 | -33.1 | -37.6 | -29.6 | -31.2 |
|---|
| Operating Expense - Personnel Expenses | -26.2 | -24.4 | -25.2 | -22.7 | -23.6 |
|---|
| Other Operating Expenses | -8.4 | -6.9 | -11.8 | -6.0 | -6.8 |
|---|
| Depreciation & Amortisation | -0.25 | -1.8 | -0.54 | -0.88 | -0.86 |
|---|
| Operating Profit | 24.5 | 4.5 | -8.9 | 0.82 | 8.8 |
|---|
| Non-Operating Income/(Expense) | 0.00 | 0.04 | 0.38 | 0.12 | 0.05 |
|---|
| Non-Operating Income | 0.00 | 0.04 | 0.38 | 0.12 | 0.05 |
|---|
| Non-Operating Expense | 0.00 | 0.00 | -0.01 | 0.00 | -0.00 |
|---|
| Profit Before Income Tax | 24.5 | 4.5 | -8.5 | 0.94 | 8.8 |
|---|
| Income Tax Expense | -6.1 | -1.5 | 1.0 | -2.0 | -5.8 |
|---|
| Current Tax | -6.1 | -4.4 | -1.3 | -3.5 | -7.3 |
|---|
| Deferred Tax | 0.00 | 2.9 | 2.4 | 1.4 | 1.5 |
|---|
| Profit for the Year | 18.4 | 3.0 | -7.4 | -1.1 | 3.1 |
|---|
NADEP Balance Sheet
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 | 2077/78 | 2076/77 |
|---|
| Total Assets | 638 | 600 | 524 | 528 | 483 | 485 |
|---|
| Cash and Cash Equivalents | 21.4 | 11.5 | 8.6 | 6.0 | 18.9 | 0.52 |
|---|
| Due from Nepal Rastra Bank | 3.6 | 3.0 | 2.4 | 2.4 | 2.2 | 0.00 |
|---|
| Placement with Banks and FIs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 11.6 |
|---|
| Loans and Advances to Banks and FIs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 44.7 |
|---|
| Loans and Advances to Customers | 595 | 570 | 500 | 511 | 456 | 413 |
|---|
| Investment Securities | 0.12 | 0.12 | 0.12 | 0.20 | 0.20 | 0.20 |
|---|
| Current Tax Assets | 3.2 | 3.1 | 1.9 | 0.00 | 0.00 | 0.00 |
|---|
| Property and Equipment | 2.9 | 2.3 | 2.7 | 1.8 | 1.0 | 1.4 |
|---|
| Goodwill and Intangible Assets | 0.06 | 0.08 | 0.05 | 0.07 | 0.08 | 0.00 |
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| Deferred Tax Assets | 10.4 | 8.8 | 6.5 | 5.1 | 3.2 | 0.00 |
|---|
| Other Assets | 1.7 | 1.2 | 1.4 | 1.2 | 1.3 | 13.9 |
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| Total Liabilities | 557 | 525 | 440 | 443 | 398 | 422 |
|---|
| Deposits from Customers | 192 | 176 | 179 | 177 | 154 | 136 |
|---|
| Borrowings | 304 | 284 | 202 | 207 | 197 | 251 |
|---|
| Current Tax Liabilities | 0.00 | 0.00 | 0.00 | 2.5 | 5.0 | 0.00 |
|---|
| Provisions | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.19 |
|---|
| Other Liabilities | 61.1 | 65.6 | 59.5 | 56.4 | 41.0 | 34.5 |
|---|
| Total Equity | 81.5 | 75.5 | 83.5 | 85.1 | 84.7 | 62.6 |
|---|
| Share Capital | 48.6 | 48.6 | 48.6 | 48.6 | 40.5 | 40.5 |
|---|
| Retained Earnings | -8.4 | -7.7 | 6.4 | 12.5 | 19.2 | 0.00 |
|---|
| Reserves | 41.3 | 34.6 | 28.6 | 24.0 | 25.1 | 22.2 |
|---|
NADEP 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) | 8.0 | 3.8 | 3.3 | -9.5 |
|---|
| Interest Received | 82.0 | 74.1 | 74.9 | 73.3 |
|---|
| Fees and Other Income Received | 4.8 | 3.7 | 4.1 | 3.4 |
|---|
| Dividend Received | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Receipts from Other Operating Activities | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Interest Paid | -42.0 | -46.4 | -43.5 | -33.7 |
|---|
| Commission and Fees Paid | -0.33 | -0.66 | -0.60 | -0.32 |
|---|
| Cash Payment to Employees | -20.6 | -19.7 | -22.7 | -22.5 |
|---|
| Other Expense Paid | -8.3 | -10.4 | -6.0 | -6.1 |
|---|
| Operating Cash Flows Before Changes in Operating Assets and Liabilities | 15.5 | 0.66 | 6.3 | 14.0 |
|---|
| Due from Nepal Rastra Bank | 0.00 | -0.58 | -0.02 | -0.15 |
|---|
| Loan and Advances to Customers | -7.5 | -72.7 | 6.5 | -58.3 |
|---|
| Other Assets | 6.6 | 0.97 | -0.25 | -0.00 |
|---|
| Deposit from Customers | 0.00 | -3.5 | 2.0 | 22.7 |
|---|
| Borrowings | 0.00 | 81.9 | -4.9 | 9.4 |
|---|
| Other Liabilities | -2.2 | -0.41 | 1.6 | 12.6 |
|---|
| Net Cash Flow from Operating Activities Before Tax Paid | 12.5 | 6.3 | 11.2 | 0.34 |
|---|
| Income Taxes Paid | -4.5 | -2.5 | -7.9 | -9.8 |
|---|
| Net Cash Flow from Investing Activities (B) | -1.8 | -0.19 | -0.16 | -1.6 |
|---|
| Purchase of Property and Equipment | -1.7 | -0.15 | -0.16 | -1.6 |
|---|
| Receipt from Sale of Property and Equipment | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Purchase of Intangible Assets | 0.00 | -0.04 | 0.00 | -0.03 |
|---|
| Receipt from Sale of Intangible Assets | -0.02 | 0.00 | 0.00 | 0.00 |
|---|
| Net Cash Flow from Financing Activities (C) | -0.16 | -0.72 | -0.52 | -1.8 |
|---|
| Dividends Paid | 0.00 | 0.00 | 0.00 | -0.43 |
|---|
| Other Receipt/Payment | -0.16 | -0.72 | -0.52 | -1.3 |
|---|
| Net Increase/(Decrease) in Cash and Cash Equivalents | 6.0 | 2.9 | 2.6 | -12.9 |
|---|
| Cash and Cash Equivalents at Shrawan 01 (Beginning of the Year) | 11.5 | 8.6 | 6.0 | 18.9 |
|---|
| 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 | 17.6 | 11.5 | 8.6 | 6.0 |
|---|
NADEP 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 | Q1 2080/81 |
|---|
| Net Interest Income | 16.2 | 11.1 | 12.3 | 9.1 | 13.1 | 10.8 | 10.4 | 5.8 | 21.1 | 5.2 |
|---|
| Interest Income | 25.0 | 19.6 | 20.9 | 18.4 | 23.1 | 21.1 | 21.0 | 17.0 | 33.3 | 16.1 |
|---|
| Interest Expense | -8.8 | -8.4 | -8.6 | -9.4 | -10.0 | -10.2 | -10.6 | -11.1 | -12.2 | -10.9 |
|---|
| Net Fee and Commission Income | 6.2 | -2.5 | 1.6 | 1.1 | 1.6 | 1.0 | 1.3 | 1.1 | 1.5 | 1.6 |
|---|
| Fee and Commission Income | 6.2 | -2.5 | 1.6 | 1.1 | 1.6 | 1.2 | 1.3 | 1.2 | 1.6 | 2.0 |
|---|
| Fee and Commission Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -0.16 | 0.00 | -0.11 | -0.06 | -0.32 |
|---|
| Net Trading Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Other Operating Income | 0.00 | 4.1 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Total Operating Income | 22.4 | 12.7 | 13.9 | 10.1 | 14.7 | 11.9 | 11.7 | 6.9 | 22.6 | 6.8 |
|---|
| Impairment Charge/(Reversal) | 3.5 | -0.89 | -1.1 | -1.3 | 1.1 | -5.4 | 5.0 | -2.9 | 8.9 | 0.80 |
|---|
| Net Operating Income | 25.9 | 11.8 | 12.8 | 8.8 | 15.8 | 6.4 | 16.7 | 4.0 | 31.5 | 7.6 |
|---|
| Operating Expenses | -10.7 | -7.9 | -8.2 | -8.0 | -9.3 | -7.6 | -7.0 | -9.0 | -13.5 | -7.6 |
|---|
| Operating Expense - Personnel Expenses | -8.0 | -5.9 | -6.3 | -6.0 | -6.3 | -5.7 | -4.9 | -7.0 | -11.2 | -6.3 |
|---|
| Other Operating Expenses | -2.6 | -1.9 | -1.9 | -1.9 | -2.9 | -1.8 | -2.1 | -1.9 | -2.2 | -1.3 |
|---|
| Depreciation & Amortisation | -0.07 | -0.06 | -0.06 | -0.06 | -0.07 | -0.06 | -0.06 | -0.06 | -0.08 | -0.07 |
|---|
| Operating Profit | 15.2 | 3.9 | 4.6 | 0.82 | 6.5 | -1.2 | 9.7 | -5.0 | 18.1 | 0.01 |
|---|
| Non-Operating Income/(Expense) | 0.00 | 0.00 | 0.00 | 0.00 | 0.04 | -0.10 | -2.1 | 0.05 | 0.27 | 0.06 |
|---|
| Non-Operating Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.04 | -0.10 | 0.00 | 0.05 | 0.27 | 0.06 |
|---|
| Non-Operating Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -2.1 | 0.00 | 0.00 | 0.00 |
|---|
| Profit Before Income Tax | 15.2 | 3.9 | 4.6 | 0.82 | 6.6 | -1.3 | 7.6 | -5.0 | 18.3 | 0.07 |
|---|
| Income Tax Expense | -3.4 | -1.2 | -1.4 | -0.25 | -2.0 | 0.38 | -0.79 | 0.00 | -5.5 | -0.02 |
|---|
| Current Tax | -3.4 | -1.2 | -1.4 | -0.25 | -2.0 | 0.38 | -0.79 | 0.00 | -5.5 | -0.02 |
|---|
| Deferred Tax | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Profit for the Year | 11.9 | 2.7 | 3.2 | 0.58 | 4.6 | -0.90 | 6.8 | -5.0 | 12.8 | 0.05 |
|---|
Nadep Laghubittiya share price history
Over the last 15 trading sessions NADEP closed between Rs. 676.00 and Rs. 718.00, finishing at Rs. 704.00 on 2026-09-22 against Rs. 710.00 on 2026-08-26.
| Date | Open | High | Low | Close | Volume |
|---|
| 2026-09-22 | 699.00 | 704.00 | 683.00 | 704.00 | 2,533 |
|---|
| 2026-09-18 | 690.00 | 700.00 | 690.00 | 694.00 | 1,109 |
|---|
| 2026-09-17 | 704.90 | 705.00 | 690.00 | 702.90 | 790 |
|---|
| 2026-09-16 | 718.00 | 718.00 | 690.00 | 690.00 | 2,782 |
|---|
| 2026-09-15 | 719.00 | 730.00 | 686.10 | 718.00 | 4,014 |
|---|
| 2026-09-14 | 679.00 | 700.40 | 679.00 | 685.00 | 1,287 |
|---|
| 2026-09-11 | 676.00 | 690.00 | 671.00 | 680.00 | 800 |
|---|
| 2026-09-10 | 677.00 | 685.00 | 660.10 | 676.00 | 515 |
|---|
| 2026-09-09 | 671.00 | 690.00 | 671.00 | 677.10 | 1,670 |
|---|
| 2026-09-07 | 670.00 | 690.10 | 670.00 | 689.00 | 256 |
|---|
| 2026-09-03 | 695.00 | 699.70 | 685.00 | 685.00 | 303 |
|---|
| 2026-09-02 | 688.90 | 697.70 | 652.00 | 697.70 | 1,984 |
|---|
| 2026-09-01 | 683.00 | 705.00 | 682.00 | 698.90 | 3,154 |
|---|
| 2026-08-31 | 692.60 | 707.00 | 672.10 | 704.00 | 172 |
|---|
| 2026-08-26 | 730.00 | 730.00 | 690.00 | 710.00 | 2,450 |
|---|
NADEP share price by year
2026, between Rs. 652.00 and Rs. 871.00, 2025, between Rs. 696.00 and Rs. 1,067.00, 2024, between Rs. 500.00 and Rs. 1,190.00, 2023, between Rs. 455.00 and Rs. 835.00, 2022, between Rs. 638.00 and Rs. 883.10 and 2020, between Rs. 363.64 and Rs. 902.50.
| Year | Low (Rs.) | High (Rs.) | Sessions |
|---|
| 2026 | 652.00 | 871.00 | 168 |
|---|
| 2025 | 696.00 | 1,067.00 | 225 |
|---|
| 2024 | 500.00 | 1,190.00 | 232 |
|---|
| 2023 | 455.00 | 835.00 | 227 |
|---|
| 2022 | 638.00 | 883.10 | 15 |
|---|
| 2020 | 363.64 | 902.50 | 178 |
|---|
| 2019 | 285.61 | 537.55 | 243 |
|---|
| 2018 | 229.58 | 572.79 | 66 |
|---|
Nadep Laghubittiya share price returns
At Rs. 704.00 on 2026-09-22, NADEP is down 1.95% over 1 week, down 0.97% over 1 month, down 4.84% over 3 months, down 14.87% over 6 months, down 9.89% over 1 year and down 18.69% 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 | -1.95% | 718.00 | 2026-09-15 |
|---|
| 1 month | -0.97% | 710.90 | 2026-08-21 |
|---|
| 3 months | -4.84% | 739.80 | 2026-06-24 |
|---|
| 6 months | -14.87% | 827.00 | 2026-03-26 |
|---|
| 1 year | -9.89% | 781.28 | 2025-09-21 |
|---|
| 5 years | -18.69% | 865.83 | 2020-12-31 |
|---|
NADEP floorsheet for 2026-09-22
NADEP traded 34 times on 2026-09-22, moving 2,533 shares for Rs. 0.17 crore of turnover. Trades went through between Rs. 679.00 and Rs. 704.00.
Largest buyers by volume: broker 34, Vision Securities Pvt.Limited on 610 shares across 10 trades, broker 6, Agrawal Securities Pvt. Limited on 500 shares across 1 trades, broker 32, Premier Securites Company Limited on 300 shares across 1 trades, broker 57, Arya Tara Investment And Securities Pvt. Ltd. on 250 shares across 5 trades, broker 68, Elite Stock House Limited on 197 shares across 2 trades, broker 8, Ashutosh Brokerage & Securities Pvt. Limited on 165 shares across 2 trades, broker 58, Naasa Securities Co. Ltd. on 153 shares across 2 trades, broker 52, Sundhara Securities Limited on 145 shares across 1 trades, broker 4, Stock Broker Opal Securities Investment Pvt. Limited on 53 shares across 4 trades and broker 14, Nepal Stock House Pvt. Limited on 50 shares across 1 trades.
Largest sellers by volume: broker 16, Primo Securities Pvt. Limited on 1,746 shares across 18 trades, broker 40, Creative Securities Pvt.Limited on 300 shares across 1 trades, broker 74, Kalash Stock Market Pvt. Ltd. on 244 shares across 4 trades, broker 34, Vision Securities Pvt.Limited on 138 shares across 5 trades, broker 39, Sumeru Securities Pvt.Limited on 60 shares across 2 trades, broker 59, Deevyaa Securities & Stock House Pvt. Ltd on 20 shares across 1 trades, broker 7, J.F. Securities Company Pvt. Limited on 10 shares across 1 trades, broker 25, Sweta Securities Pvt. Limited on 10 shares across 1 trades and broker 41, Linch Stock Market Limited on 5 shares across 1 trades.
NADEP dividend history: bonus shares and cash dividend
Nadep Laghubittiya bittya Sanstha Ltd. most recently declared a 10% bonus share issue for 2078/2079, announced on 2023-02-01. Percentages are of paid up value. Declared, not necessarily paid: a dividend is subject to the annual general meeting approving it.
| Financial year | Bonus share | Cash dividend | Announced |
|---|
| 2078/2079 | 10% | | 2023-02-01 |
For 2078/2079 Nadep Laghubittiya bittya Sanstha Ltd. declared a 10% bonus share issue, announced on 2023-02-01.
NADEP general meetings
Annual and special general meetings Nadep Laghubittiya bittya Sanstha Ltd. has called. A dividend is declared by the board and approved at the AGM.
- 11th AGM for 2081/2082: on 2026-07-06, at Naubise Agro Resort, Naubise, Dhading (11:00 AM)
- 11th AGM for 2081/2082
- 10th AGM for 2080/2081: on 2025-06-08, at Triple Crown Resort, Galaudi-4, Dhading (10:30 AM)
6 years of annual statements and 10 quarters of results for NADEP, with charts and peer comparison, are free on NepView.
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