NMB Bank Limited (NMB) Share Price & Fundamentals

NMB Bank (NMB) share price is Rs. 259.00, up 0.43% on 2026-09-22. Open Rs. 258.20. High Rs. 262.00. Low Rs. 256.00. Volume 140,317.

NMB Bank Limited is a NEPSE-listed company (NMB), Commercial Banks sector. Revenue: Rs. 1,408.08 Crore. Net profit: Rs. 428.08 Crore. Net worth: Rs. 3,338.54 Crore.

About NMB Bank Limited

NMB Bank Limited is a Kathmandu-based class A commercial bank with its head office at NMB Bhawan, Babarmahal. It began in 1996 as a finance company and was upgraded to a commercial bank in 2008, taking its present shape in 2015 through a five-way merger with Bhrikuti Development Bank, Pathibhara Bikas Bank, Prudential Finance and Clean Energy Development Bank. The Netherlands development finance company FMO became its single largest shareholder in September 2016, and NMB acquired Om Development Bank in September 2019. It consolidates subsidiaries, so Group and Bank figures differ.

NMB Bank Limited (NMB) has 19,28,50,410 shares outstanding. It listed on NEPSE in 2015. Its most recent declared dividend was 5.00% on face value.

Company website: www.nmb.com.np.

NMB key metrics

Market Cap	Rs. 4,994.83 Crore
P/E Ratio	16.31
P/E Ratio (TTM)	11.67
EPS	Rs. 15.88
EPS (TTM)	Rs. 22.20
Book Value	Rs. 173.12
Dividend Yield	1.93%
Face Value	Rs. 100.00
52 Week High	Rs. 272.00
52 Week Low	Rs. 220.29
Listed Since	2015

NMB strengths

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

Profit grew 39.7% on last year. (Growth)
Income from lending grew 19% on last year, so the core business is expanding. (Growth)
21.2% of income comes from fees and commissions, so it does not depend on lending alone. (Margins & Income Quality)
Customer deposits grew 24.5% on last year, giving it more cheap money to lend. (Growth)
Lends out 84% of deposits, comfortably within the 90% Nepal Rastra Bank allows. (Liquidity & Funding)
The bank grew 24% bigger over the year. (Shareholder Returns)
Total income grew 19.9% on last year. (Growth)
Turns 30.4% of its income into profit once every cost is paid. (Profitability)
Only 2% of funding is borrowed, so the bank largely funds itself. (Liquidity & Funding)
Keeps 46.1% of income as profit from everyday banking, before tax. (Profitability)
The loan book grew 17.8% on last year, so more money is being put to work. (Growth)
71.7% of income comes from lending, which is steady and predictable. (Margins & Income Quality)
Loans are 63.5% of what the bank owns, a balanced mix alongside other assets. (Asset Quality)

NMB 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 9.2%, below what owners would hope for. (Profitability)
Return on everything it owns is 0.8%, so its assets are not producing much. (Profitability)
Makes only 2.3% from the gap between lending and deposit rates, so core earnings are squeezed. (Margins & Income Quality)
17.3% of income is lost to loans going bad, which eats directly into profit. (Asset Quality)
Only 9% of what it owns belongs to shareholders, so there is less cushion for losses. (Capital Strength)
Each share produced Rs 22.2 over the year. (Shareholder Returns)
Only 83.1% of funding comes from deposits, so it relies on costlier borrowing. (Liquidity & Funding)
Owns 11.1x for every rupee shareholders put in. A high multiple magnifies losses as well as gains. (Capital Strength)
Each share is backed by only Rs 173.12 of net worth. (Shareholder Returns)
Staff costs take 24.5% of income, a heavy load on earnings. (Efficiency)
Only 7.2% of income comes from outside interest, so a change in rates hits hard. (Margins & Income Quality)

NMB Q4 2082/83 results

In Q4 2082/83 NMB Bank Limited reported profit of Rs. 141.07 crore and total operating income of Rs. 319.76 crore. Profit in Q3 2082/83 was Rs. 112.75 crore. Profit grew 25.12% on the previous quarter. Total operating income fell 16.96% on the previous quarter. Profit in Q4 2081/82, the same quarter a year earlier, was Rs. 100.35 crore. Profit grew 40.58% on the same quarter last year. Total operating income grew 26.57% on the same quarter last year.

NMB annual results 2082/83

For the financial year 2082/83 NMB Bank Limited reported net profit of Rs. 428.08 crore, total operating income of Rs. 1,408.08 crore and net worth of Rs. 3,338.54 crore. Net profit in 2081/82 was Rs. 306.33 crore. Net profit grew 39.74% on the year. Total operating income grew 19.89% on the year.

NMB profit and loss for 2082/83

In the financial year 2082/83, NMB Bank Limited reported net interest income of Rs. 1,009.38 crore, net fee and commission income of Rs. 298 crore, net trading income of Rs. 68.14 crore, other operating income of Rs. 32.55 crore, total operating income of Rs. 1,408.08 crore, impairment charge/(reversal) of Rs. 243.55 crore, net operating income of Rs. 1,164.53 crore, operating expenses of Rs. 515.91 crore, operating profit of Rs. 648.62 crore, non-operating income/(expense) of Rs. 37.08 crore, profit before income tax of Rs. 611.54 crore, income tax expense of Rs. 183.46 crore and profit for the year of Rs. 428.08 crore.

Reported under net interest income: interest income of Rs. 2,197.93 crore and interest expense of Rs. 1,188.54 crore. Reported under net fee and commission income: fee and commission income of Rs. 322.12 crore and fee and commission expense of Rs. 24.12 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 344.46 crore, other operating expenses of Rs. 130.5 crore and depreciation & amortisation of Rs. 40.95 crore. Reported under non-operating income/(expense): non-operating income of Rs. 12.08 crore and non-operating expense of Rs. 49.17 crore. Reported under income tax expense: current tax of Rs. 189.58 crore and deferred tax of Rs. 6.12 crore.

NMB profit and loss for 2081/82

In the financial year 2081/82, NMB Bank Limited reported net interest income of Rs. 848.55 crore, net fee and commission income of Rs. 253.13 crore, net trading income of Rs. 40.53 crore, other operating income of Rs. 32.28 crore, total operating income of Rs. 1,174.48 crore, impairment charge/(reversal) of Rs. 168.31 crore, net operating income of Rs. 1,006.18 crore, operating expenses of Rs. 505.95 crore, operating profit of Rs. 500.23 crore, non-operating income/(expense) of Rs. 65.11 crore, profit before income tax of Rs. 435.12 crore, income tax expense of Rs. 128.79 crore and profit for the year of Rs. 306.33 crore.

Reported under net interest income: interest income of Rs. 2,292.82 crore and interest expense of Rs. 1,444.27 crore. Reported under net fee and commission income: fee and commission income of Rs. 277.33 crore and fee and commission expense of Rs. 24.21 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 336.72 crore, other operating expenses of Rs. 126.15 crore and depreciation & amortisation of Rs. 43.08 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.76 crore and non-operating expense of Rs. 65.87 crore. Reported under income tax expense: current tax of Rs. 134.2 crore and deferred tax of Rs. 5.41 crore.

NMB profit and loss for 2080/81

In the financial year 2080/81, NMB Bank Limited reported net interest income of Rs. 757.4 crore, net fee and commission income of Rs. 200.78 crore, net trading income of Rs. 25.32 crore, other operating income of Rs. 20.36 crore, total operating income of Rs. 1,003.86 crore, impairment charge/(reversal) of Rs. 204.91 crore, net operating income of Rs. 798.95 crore, operating expenses of Rs. 468.39 crore, operating profit of Rs. 330.56 crore, non-operating income/(expense) of Rs. 2.16 crore, profit before income tax of Rs. 328.41 crore, income tax expense of Rs. 104.43 crore and profit for the year of Rs. 223.97 crore.

Reported under net interest income: interest income of Rs. 2,628.93 crore and interest expense of Rs. 1,871.53 crore. Reported under net fee and commission income: fee and commission income of Rs. 220.11 crore and fee and commission expense of Rs. 19.33 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 293.9 crore, other operating expenses of Rs. 125.99 crore and depreciation & amortisation of Rs. 48.5 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.34 crore and non-operating expense of Rs. 2.5 crore. Reported under income tax expense: current tax of Rs. 106.77 crore and deferred tax of Rs. 2.33 crore.

NMB balance sheet for 2081/82

In the financial year 2081/82, NMB Bank Limited reported total assets of Rs. 37,059.74 crore, total liabilities of Rs. 33,721.19 crore and total equity of Rs. 3,338.54 crore.

Reported under total assets: cash and cash equivalents of Rs. 4,699.58 crore, due from nepal rastra bank of Rs. 1,651.91 crore, placement with banks and fis of Rs. 1,030.44 crore, derivative financial instruments of Rs. 868.14 crore, other trading assets of Rs. 14.05 crore, loans and advances to banks and fis of Rs. 881.68 crore, loans and advances to customers of Rs. 23,519.64 crore, investment securities of Rs. 3,307.51 crore, current tax assets of Rs. 17.03 crore, investment in subsidiaries of Rs. 0 crore, investment property of Rs. 178.42 crore, property and equipment of Rs. 391.08 crore, goodwill and intangible assets of Rs. 13.14 crore, deferred tax assets of Rs. 32.78 crore and other assets of Rs. 454.33 crore. Reported under total liabilities: due to banks and fis of Rs. 602.95 crore, due to nepal rastra bank of Rs. 0 crore, derivative financial instruments of Rs. 869.56 crore, deposits from customers of Rs. 28,011.75 crore, borrowings of Rs. 664.17 crore, provisions of Rs. 0.62 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 2,333.7 crore and debt securities issued of Rs. 1,238.46 crore. Reported under total equity: share capital of Rs. 1,836.67 crore, share premium of Rs. 3.72 crore, retained earnings of Rs. 240.1 crore, reserves of Rs. 1,209.14 crore and non controlling interest of Rs. 48.91 crore.

NMB balance sheet for 2080/81

In the financial year 2080/81, NMB Bank Limited reported total assets of Rs. 29,898.58 crore, total liabilities of Rs. 26,900.75 crore and total equity of Rs. 2,997.84 crore.

Reported under total assets: cash and cash equivalents of Rs. 2,339.84 crore, due from nepal rastra bank of Rs. 1,473.5 crore, placement with banks and fis of Rs. 303.58 crore, derivative financial instruments of Rs. 758.39 crore, other trading assets of Rs. 20.26 crore, loans and advances to banks and fis of Rs. 590.62 crore, loans and advances to customers of Rs. 19,962.03 crore, investment securities of Rs. 3,425.86 crore, current tax assets of Rs. 15.48 crore, investment in subsidiaries of Rs. 0 crore, investment property of Rs. 85.14 crore, property and equipment of Rs. 391.37 crore, goodwill and intangible assets of Rs. 15.3 crore, deferred tax assets of Rs. 42.29 crore and other assets of Rs. 474.92 crore. Reported under total liabilities: due to banks and fis of Rs. 316.32 crore, due to nepal rastra bank of Rs. 0 crore, derivative financial instruments of Rs. 771.08 crore, deposits from customers of Rs. 22,505.17 crore, borrowings of Rs. 1,271.92 crore, provisions of Rs. 0.62 crore, deferred tax liabilities of Rs. 0.25 crore, other liabilities of Rs. 797.18 crore and debt securities issued of Rs. 1,238.2 crore. Reported under total equity: share capital of Rs. 1,836.67 crore, share premium of Rs. 3.72 crore, retained earnings of Rs. 31.88 crore, reserves of Rs. 1,079.66 crore and non controlling interest of Rs. 45.9 crore.

NMB balance sheet for 2079/80

In the financial year 2079/80, NMB Bank Limited reported total assets of Rs. 29,134.09 crore, total liabilities of Rs. 26,175.76 crore and total equity of Rs. 2,958.33 crore.

Reported under total assets: cash and cash equivalents of Rs. 2,471.18 crore, due from nepal rastra bank of Rs. 1,508.65 crore, placement with banks and fis of Rs. 75.58 crore, derivative financial instruments of Rs. 1,085.01 crore, other trading assets of Rs. 11.75 crore, loans and advances to banks and fis of Rs. 599.74 crore, loans and advances to customers of Rs. 19,280.38 crore, investment securities of Rs. 3,292.09 crore, current tax assets of Rs. 6.34 crore, investment in subsidiaries of Rs. 0 crore, investment property of Rs. 69.77 crore, property and equipment of Rs. 274.69 crore, goodwill and intangible assets of Rs. 18.4 crore, deferred tax assets of Rs. 45.35 crore and other assets of Rs. 395.15 crore. Reported under total liabilities: due to banks and fis of Rs. 273.73 crore, due to nepal rastra bank of Rs. 328.6 crore, derivative financial instruments of Rs. 1,106.03 crore, deposits from customers of Rs. 21,155.94 crore, borrowings of Rs. 1,526.24 crore, provisions of Rs. 0.16 crore, deferred tax liabilities of Rs. 1.05 crore, other liabilities of Rs. 556.16 crore and debt securities issued of Rs. 1,227.83 crore. Reported under total equity: share capital of Rs. 1,836.67 crore, share premium of Rs. 3.72 crore, retained earnings of Rs. 161.22 crore, reserves of Rs. 906.45 crore and non controlling interest of Rs. 50.26 crore.

NMB cash flow for 2081/82

In the financial year 2081/82, NMB Bank Limited reported net cash flow from operating activities (a) of Rs. 2,119.22 crore, net cash flow from investing activities (b) of Rs. 220.23 crore, net cash flow from financing activities (c) of Rs. 6.96 crore, net increase/(decrease) in cash and cash equivalents of Rs. 2,346.4 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 2,339.84 crore, effect of exchange rate fluctuations on cash and cash equivalents held of Rs. 13.34 crore and cash and cash equivalents at ashadh end of Rs. 4,699.58 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 2,094.92 crore, fees and other income received of Rs. 308.79 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 41.98 crore, interest paid of Rs. 1,455.45 crore, commission and fees paid of Rs. 23.99 crore, cash payment to employees of Rs. 264.75 crore, other expense paid of Rs. 171.41 crore, operating cash flows before changes in operating assets and liabilities of Rs. 530.09 crore, due from nepal rastra bank of Rs. 178.41 crore, placement with banks and financial institutions of Rs. 722.87 crore, other trading assets of Rs. 0 crore, loan and advances to banks and financial institutions of Rs. 341.88 crore, loan and advances to customers of Rs. 3,673.64 crore, other assets of Rs. 5.25 crore, due to banks and financial institutions of Rs. 286.63 crore, due to nepal rastra bank of Rs. 0 crore, deposit from customers of Rs. 5,492.5 crore, borrowings of Rs. 662.15 crore, other liabilities of Rs. 1,519.83 crore, net cash flow from operating activities before tax paid of Rs. 2,244.86 crore and income taxes paid of Rs. 125.64 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 1,25,228.37 crore, receipts from sale of investment securities of Rs. 1,25,294.17 crore, purchase of property and equipment of Rs. 12.68 crore, receipt from sale of property and equipment of Rs. 32.44 crore, purchase of intangible assets of Rs. 1.35 crore, receipt from sale of intangible assets of Rs. 0.03 crore, purchase of investment properties of Rs. 93.28 crore, receipt from sale of investment properties of Rs. 1.57 crore, interest received of Rs. 221.19 crore and dividend received of Rs. 6.58 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 shares of Rs. 0 crore, dividends paid of Rs. 0 crore and other receipt/payment of Rs. 6.96 crore.

NMB cash flow for 2080/81

In the financial year 2080/81, NMB Bank Limited reported net cash flow from operating activities (a) of Rs. 484.19 crore, net cash flow from investing activities (b) of Rs. 340.06 crore, net cash flow from financing activities (c) of Rs. 2.66 crore, net increase/(decrease) in cash and cash equivalents of Rs. 141.47 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 2,471.18 crore, effect of exchange rate fluctuations on cash and cash equivalents held of Rs. 10.12 crore and cash and cash equivalents at ashadh end of Rs. 2,339.84 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 2,265.89 crore, fees and other income received of Rs. 215.59 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 21.1 crore, interest paid of Rs. 1,778.56 crore, commission and fees paid of Rs. 31.12 crore, cash payment to employees of Rs. 225.21 crore, other expense paid of Rs. 162.5 crore, operating cash flows before changes in operating assets and liabilities of Rs. 305.19 crore, due from nepal rastra bank of Rs. 34.9 crore, placement with banks and financial institutions of Rs. 227.99 crore, other trading assets of Rs. 2.48 crore, loan and advances to banks and financial institutions of Rs. 102.75 crore, loan and advances to customers of Rs. 611.49 crore, other assets of Rs. 426.05 crore, due to banks and financial institutions of Rs. 42.59 crore, due to nepal rastra bank of Rs. 33.7 crore, deposit from customers of Rs. 1,389.64 crore, borrowings of Rs. 326.22 crore, other liabilities of Rs. 240.69 crore, net cash flow from operating activities before tax paid of Rs. 194.11 crore and income taxes paid of Rs. 290.08 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 32,234.53 crore, receipts from sale of investment securities of Rs. 32,327.01 crore, purchase of property and equipment of Rs. 31.68 crore, receipt from sale of property and equipment of Rs. 2.64 crore, purchase of intangible assets of Rs. 2.25 crore, receipt from sale of intangible assets of Rs. 0 crore, purchase of investment properties of Rs. 24.18 crore, receipt from sale of investment properties of Rs. 8.81 crore, interest received of Rs. 287.51 crore and dividend received of Rs. 6.74 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 shares of Rs. 0 crore, dividends paid of Rs. 0 crore and other receipt/payment of Rs. 2.66 crore.

NMB cash flow for 2079/80

In the financial year 2079/80, NMB Bank Limited reported net cash flow from operating activities (a) of Rs. 695.23 crore, net cash flow from investing activities (b) of Rs. 164.56 crore, net cash flow from financing activities (c) of Rs. 272.62 crore, net increase/(decrease) in cash and cash equivalents of Rs. 1,132.41 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 1,332.87 crore, effect of exchange rate fluctuations on cash and cash equivalents held of Rs. 5.91 crore and cash and cash equivalents at ashadh end of Rs. 2,471.18 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 2,353.34 crore, fees and other income received of Rs. 203.82 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 27.3 crore, interest paid of Rs. 1,927.18 crore, commission and fees paid of Rs. 28.47 crore, cash payment to employees of Rs. 230.62 crore, other expense paid of Rs. 125.78 crore, operating cash flows before changes in operating assets and liabilities of Rs. 272.42 crore, due from nepal rastra bank of Rs. 131.22 crore, placement with banks and financial institutions of Rs. 20.91 crore, other trading assets of Rs. 2.48 crore, loan and advances to banks and financial institutions of Rs. 119.2 crore, loan and advances to customers of Rs. 1,370.27 crore, other assets of Rs. 34.39 crore, due to banks and financial institutions of Rs. 116.68 crore, due to nepal rastra bank of Rs. 571.04 crore, deposit from customers of Rs. 2,502.95 crore, borrowings of Rs. 149.94 crore, other liabilities of Rs. 45.62 crore, net cash flow from operating activities before tax paid of Rs. 838.12 crore and income taxes paid of Rs. 142.88 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 4,121.78 crore, receipts from sale of investment securities of Rs. 4,121.1 crore, purchase of property and equipment of Rs. 28.06 crore, receipt from sale of property and equipment of Rs. 1.94 crore, purchase of intangible assets of Rs. 0.88 crore, receipt from sale of intangible assets of Rs. 0 crore, purchase of investment properties of Rs. 40.52 crore, receipt from sale of investment properties of Rs. 0 crore, interest received of Rs. 221.16 crore and dividend received of Rs. 11.61 crore. Reported under net cash flow from financing activities (c): receipt from issue of debt securities of Rs. 400 crore, repayment of debt securities of Rs. 0 crore, receipt from issue of shares of Rs. 20 crore, dividends paid of Rs. 151.53 crore and other receipt/payment of Rs. 4.14 crore.

NMB quarterly for Q4 2082/83

In the quarter Q4 2082/83, NMB Bank Limited reported net interest income of Rs. 225.25 crore, net fee and commission income of Rs. 71.97 crore, net trading income of Rs. 15.13 crore, other operating income of Rs. 7.41 crore, total operating income of Rs. 319.76 crore, impairment charge/(reversal) of Rs. 9.35 crore, net operating income of Rs. 310.41 crore, operating expenses of Rs. 113.56 crore, operating profit of Rs. 196.85 crore, non-operating income/(expense) of Rs. 8.85 crore, profit before income tax of Rs. 205.7 crore, income tax expense of Rs. 64.63 crore and profit for the year of Rs. 141.07 crore.

Reported under net interest income: interest income of Rs. 534.28 crore and interest expense of Rs. 309.03 crore. Reported under net fee and commission income: fee and commission income of Rs. 74.97 crore and fee and commission expense of Rs. 3 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 85.94 crore, other operating expenses of Rs. 4.25 crore and depreciation & amortisation of Rs. 23.37 crore. Reported under non-operating income/(expense): non-operating income of Rs. 7.87 crore and non-operating expense of Rs. 0.98 crore. Reported under income tax expense: current tax of Rs. 70.75 crore and deferred tax of Rs. 6.12 crore.

NMB quarterly for Q3 2082/83

In the quarter Q3 2082/83, NMB Bank Limited reported net interest income of Rs. 277.26 crore, net fee and commission income of Rs. 73.1 crore, net trading income of Rs. 28.25 crore, other operating income of Rs. 6.43 crore, total operating income of Rs. 385.05 crore, impairment charge/(reversal) of Rs. 74.15 crore, net operating income of Rs. 310.9 crore, operating expenses of Rs. 123.64 crore, operating profit of Rs. 187.26 crore, non-operating income/(expense) of Rs. 27.93 crore, profit before income tax of Rs. 159.33 crore, income tax expense of Rs. 46.58 crore and profit for the year of Rs. 112.75 crore.

Reported under net interest income: interest income of Rs. 556.21 crore and interest expense of Rs. 278.95 crore. Reported under net fee and commission income: fee and commission income of Rs. 79.31 crore and fee and commission expense of Rs. 6.2 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 77.51 crore, other operating expenses of Rs. 40.38 crore and depreciation & amortisation of Rs. 5.76 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.05 crore and non-operating expense of Rs. 27.98 crore. Reported under income tax expense: current tax of Rs. 46.58 crore and deferred tax of Rs. 0 crore.

NMB quarterly for Q2 2082/83

In the quarter Q2 2082/83, NMB Bank Limited reported net interest income of Rs. 243.68 crore, net fee and commission income of Rs. 69.16 crore, net trading income of Rs. 8.18 crore, other operating income of Rs. 11.15 crore, total operating income of Rs. 332.17 crore, impairment charge/(reversal) of Rs. 88.53 crore, net operating income of Rs. 243.64 crore, operating expenses of Rs. 138.15 crore, operating profit of Rs. 105.49 crore, non-operating income/(expense) of Rs. 0.99 crore, profit before income tax of Rs. 106.48 crore, income tax expense of Rs. 30.21 crore and profit for the year of Rs. 76.27 crore.

Reported under net interest income: interest income of Rs. 526.88 crore and interest expense of Rs. 283.2 crore. Reported under net fee and commission income: fee and commission income of Rs. 74.43 crore and fee and commission expense of Rs. 5.27 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 89.09 crore, other operating expenses of Rs. 43.32 crore and depreciation & amortisation of Rs. 5.74 crore. Reported under non-operating income/(expense): non-operating income of Rs. 4.07 crore and non-operating expense of Rs. 3.08 crore. Reported under income tax expense: current tax of Rs. 30.21 crore and deferred tax of Rs. 0 crore.

NMB quarterly for Q1 2082/83

In the quarter Q1 2082/83, NMB Bank Limited reported net interest income of Rs. 263.19 crore, net fee and commission income of Rs. 83.76 crore, net trading income of Rs. 16.58 crore, other operating income of Rs. 7.57 crore, total operating income of Rs. 371.11 crore, impairment charge/(reversal) of Rs. 71.53 crore, net operating income of Rs. 299.57 crore, operating expenses of Rs. 140.56 crore, operating profit of Rs. 159.02 crore, non-operating income/(expense) of Rs. 18.99 crore, profit before income tax of Rs. 140.03 crore, income tax expense of Rs. 42.04 crore and profit for the year of Rs. 97.99 crore.

Reported under net interest income: interest income of Rs. 580.56 crore and interest expense of Rs. 317.37 crore. Reported under net fee and commission income: fee and commission income of Rs. 93.4 crore and fee and commission expense of Rs. 9.64 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 91.92 crore, other operating expenses of Rs. 42.56 crore and depreciation & amortisation of Rs. 6.08 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.09 crore and non-operating expense of Rs. 19.08 crore. Reported under income tax expense: current tax of Rs. 42.04 crore and deferred tax of Rs. 0 crore.

NMB Profit & Loss

Values in Rs. Crore unless stated otherwise.

Particulars	2082/83	2081/82	2080/81	2079/80	2078/79	2077/78
Net Interest Income	1,009	849	757	859	691	617
Interest Income	2,198	2,293	2,629	2,729	2,000	1,467
Interest Expense	-1,189	-1,444	-1,872	-1,869	-1,309	-851
Net Fee and Commission Income	298	253	201	183	174	134
Fee and Commission Income	322	277	220	212	196	148
Fee and Commission Expense	-24.1	-24.2	-19.3	-28.9	-21.6	-13.8
Net Trading Income	68.1	40.5	25.3	24.2	27.2	36.4
Other Operating Income	32.6	32.3	20.4	21.0	41.0	37.0
Total Operating Income	1,408	1,174	1,004	1,087	934	824
Impairment Charge/(Reversal)	-244	-168	-205	-152	2.6	-41.0
Net Operating Income	1,165	1,006	799	936	936	783
Operating Expenses	-516	-506	-468	-456	-435	-357
Operating Expense - Personnel Expenses	-344	-337	-294	-298	-281	-233
Other Operating Expenses	-131	-126	-126	-103	-124	-96.1
Depreciation & Amortisation	-40.9	-43.1	-48.5	-55.8	-30.5	-28.0
Operating Profit	649	500	331	479	502	426
Non-Operating Income/(Expense)	-37.1	-65.1	-2.2	-6.7	-4.4	2.5
Non-Operating Income	12.1	0.76	0.34	1.00	0.27	4.0
Non-Operating Expense	-49.2	-65.9	-2.5	-7.7	-4.7	-1.5
Profit Before Income Tax	612	435	328	473	497	428
Income Tax Expense	-183	-129	-104	-143	-143	-126
Current Tax	-190	-134	-107	-147	-154	-132
Deferred Tax	6.1	5.4	2.3	4.1	10.7	5.3
Profit for the Year	428	306	224	330	354	302

NMB Balance Sheet

Values in Rs. Crore unless stated otherwise.

Particulars	2081/82	2080/81	2079/80	2078/79	2077/78	2076/77
Total Assets	37,060	29,899	29,134	26,047	23,622	18,326
Cash and Cash Equivalents	4,700	2,340	2,471	1,333	1,444	1,226
Due from Nepal Rastra Bank	1,652	1,473	1,509	1,377	1,925	1,527
Placement with Banks and FIs	1,030	304	75.6	378	272	330
Derivative Financial Instruments	868	758	1,085	529	1,716	1,007
Other Trading Assets	14.1	20.3	11.7	2.5	0.27	26.7
Loans and Advances to Banks and FIs	882	591	600	592	519	467
Loans and Advances to Customers	23,520	19,962	19,280	17,954	15,511	11,833
Investment Securities	3,308	3,426	3,292	3,201	1,776	1,527
Current Tax Assets	17.0	15.5	6.3	5.4	9.9	6.8
Investment in Subsidiaries	0.00	0.00	0.00	0.00	0.00	0.00
Investment Property	178	85.1	69.8	29.5	9.8	8.0
Property and Equipment	391	391	275	182	177	179
Goodwill and Intangible Assets	13.1	15.3	18.4	23.2	12.1	12.7
Deferred Tax Assets	32.8	42.3	45.4	34.7	25.2	27.0
Other Assets	454	475	395	404	224	150
Total Liabilities	33,721	26,901	26,176	23,244	21,134	16,162
Due to Banks and FIs	603	316	274	208	196	315
Due to Nepal Rastra Bank	0.00	0.00	329	900	760	483
Derivative Financial Instruments	870	771	1,106	535	1,713	1,001
Deposits from Customers	28,012	22,505	21,156	18,650	16,586	13,229
Borrowings	664	1,272	1,526	1,475	924	472
Provisions	0.62	0.62	0.16	0.16	0.17	0.21
Deferred Tax Liabilities	0.00	0.25	1.1	2.2	1.5	1.5
Other Liabilities	2,334	797	556	661	424	433
Debt Securities Issued	1,238	1,238	1,228	813	529	228
Total Equity	3,339	2,998	2,958	2,803	2,489	2,164
Share Capital	1,837	1,837	1,837	1,837	1,633	1,395
Share Premium	3.7	3.7	3.7	3.7	3.7	15.7
Retained Earnings	240	31.9	161	201	287	198
Reserves	1,209	1,080	906	708	519	518
Non Controlling Interest	48.9	45.9	50.3	53.8	46.7	37.2

NMB 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)	2,119	-484	695	1,073	-513	616
Interest Received	2,095	2,266	2,353	1,823	1,409	1,322
Fees and Other Income Received	309	216	204	183	146	107
Dividend Received	0.00	0.00	0.00	0.63	0.00	0.18
Receipts from Other Operating Activities	42.0	21.1	27.3	34.8	33.3	49.0
Interest Paid	-1,455	-1,779	-1,927	-1,270	-847	-940
Commission and Fees Paid	-24.0	-31.1	-28.5	-21.6	-13.8	-10.7
Cash Payment to Employees	-265	-225	-231	-314	-191	-178
Other Expense Paid	-171	-162	-126	-122	-91.7	-98.6
Operating Cash Flows Before Changes in Operating Assets and Liabilities	530	305	272	315	446	250
Due from Nepal Rastra Bank	-178	34.9	-131	547	-698	-301
Placement with Banks and Financial Institutions	-723	-228	-20.9	249	-140	148
Other Trading Assets	0.00	2.5	-2.5	-2.3	26.4	7.4
Loan and Advances to Banks and Financial Institutions	-342	-103	-119	-71.1	-38.1	-75.8
Loan and Advances to Customers	-3,674	-611	-1,370	-2,509	-3,184	-804
Other Assets	-5.2	-426	-34.4	-97.0	-132	-13.4
Due to Banks and Financial Institutions	287	42.6	117	-47.5	-109	184
Due to Nepal Rastra Bank	0.00	-33.7	-571	140	371	94.0
Deposit from Customers	5,493	1,390	2,503	2,074	2,637	944
Borrowings	-662	-326	150	576	435	27.4
Other Liabilities	1,520	-241	45.6	47.8	2.5	235
Net Cash Flow from Operating Activities Before Tax Paid	2,245	-194	838	1,221	-382	696
Income Taxes Paid	-126	-290	-143	-149	-130	-80.1
Net Cash Flow from Investing Activities (B)	220	340	165	-1,409	318	-599
Purchase of Investment Securities	-1,25,228	-32,235	-4,122	-3,326	-465	-1,408
Receipts from Sale of Investment Securities	1,25,294	32,327	4,121	1,835	703	750
Purchase of Property and Equipment	-12.7	-31.7	-28.1	-35.6	-13.1	-20.7
Receipt from Sale of Property and Equipment	32.4	2.6	1.9	12.0	3.3	1.8
Purchase of Intangible Assets	-1.4	-2.2	-0.88	-9.4	-2.4	-3.7
Receipt from Sale of Intangible Assets	-0.03	0.00	0.00	0.00	0.00	0.01
Purchase of Investment Properties	-93.3	-24.2	-40.5	-22.4	-1.8	0.00
Receipt from Sale of Investment Properties	1.6	8.8	0.00	2.7	0.00	2.5
Interest Received	221	288	221	120	85.1	69.8
Dividend Received	6.6	6.7	11.6	14.2	8.8	8.9
Net Cash Flow from Financing Activities (C)	7.0	2.7	273	218	223	-126
Receipt from Issue of Debt Securities	0.00	0.00	400	273	350	0.00
Repayment of Debt Securities	0.00	0.00	0.00	0.00	-50.0	0.00
Receipt from Issue of Shares	0.00	0.00	20.0	0.00	31.6	31.6
Dividends Paid	0.00	0.00	-152	-54.5	-46.2	-161
Other Receipt/Payment	7.0	2.7	4.1	0.00	-62.7	3.5
Net Increase/(Decrease) in Cash and Cash Equivalents	2,346	-141	1,132	-118	27.7	-110
Cash and Cash Equivalents at Shrawan 01 (Beginning of the Year)	2,340	2,471	1,333	1,444	1,407	1,327
Effect of Exchange Rate Fluctuations on Cash and Cash Equivalents Held	13.3	10.1	5.9	6.8	9.1	9.6
Cash and Cash Equivalents at Ashadh End	4,700	2,340	2,471	1,333	1,444	1,226

NMB Quarterly Results

Values in Rs. Crore unless stated otherwise.

Particulars	Q4 2082/83	Q3 2082/83	Q2 2082/83	Q1 2082/83	Q4 2081/82	Q3 2081/82	Q2 2081/82	Q1 2081/82	Q4 2080/81	Q3 2080/81	Q2 2080/81	Q1 2080/81
Net Interest Income	225	277	244	263	171	235	236	209	188	179	157	234
Interest Income	534	556	527	581	529	577	585	605	610	641	662	716
Interest Expense	-309	-279	-283	-317	-357	-342	-349	-396	-422	-462	-505	-482
Net Fee and Commission Income	72.0	73.1	69.2	83.8	64.5	62.4	52.9	73.5	50.9	44.3	48.0	57.6
Fee and Commission Income	75.0	79.3	74.4	93.4	72.3	68.9	57.8	79.6	58.1	49.3	50.3	62.4
Fee and Commission Expense	-3.0	-6.2	-5.3	-9.6	-7.8	-6.4	-4.9	-6.1	-7.2	-5.0	-2.3	-4.8
Net Trading Income	15.1	28.2	8.2	16.6	4.7	13.4	8.4	9.5	4.7	8.3	6.5	5.8
Other Operating Income	7.4	6.4	11.1	7.6	12.2	5.3	7.1	7.2	0.03	3.7	8.9	7.8
Total Operating Income	320	385	332	371	253	316	305	300	244	235	220	305
Impairment Charge/(Reversal)	-9.3	-74.1	-88.5	-71.5	30.7	-95.0	-38.8	4.3	-122	15.8	-47.8	-50.6
Net Operating Income	310	311	244	300	283	221	266	304	121	251	172	254
Operating Expenses	-114	-124	-138	-141	-93.1	-155	-142	-122	-116	-124	-115	-114
Operating Expense - Personnel Expenses	-85.9	-77.5	-89.1	-91.9	-56.7	-105	-98.5	-82.8	-73.7	-76.4	-68.3	-75.5
Other Operating Expenses	-4.2	-40.4	-43.3	-42.6	-12.7	-45.0	-37.5	-31.5	-18.5	-38.4	-38.6	-30.5
Depreciation & Amortisation	-23.4	-5.8	-5.7	-6.1	-23.8	-5.2	-6.2	-7.3	-23.7	-8.7	-8.2	-7.8
Operating Profit	197	187	105	159	190	66.0	123	182	5.4	128	57.2	140
Non-Operating Income/(Expense)	8.9	-27.9	0.99	-19.0	-51.8	-0.91	-1.3	-11.1	2.1	-2.6	-1.0	-0.62
Non-Operating Income	7.9	0.05	4.1	0.09	0.61	0.08	0.06	0.01	0.29	0.05	0.00	0.00
Non-Operating Expense	0.98	-28.0	-3.1	-19.1	-52.4	-1.00	-1.3	-11.1	1.8	-2.6	-1.0	-0.62
Profit Before Income Tax	206	159	106	140	138	65.0	122	171	7.5	125	56.2	140
Income Tax Expense	-64.6	-46.6	-30.2	-42.0	-38.0	-23.9	-35.0	-51.4	-7.7	-37.9	-16.2	-42.6
Current Tax	-70.8	-46.6	-30.2	-42.0	-42.1	-23.9	-35.0	-51.4	-10.1	-37.9	-16.2	-42.6
Deferred Tax	6.1	0.00	0.00	0.00	4.1	0.00	0.00	0.00	2.3	0.00	0.00	0.00
Profit for the Year	141	113	76.3	98.0	100	41.2	87.2	120	-0.23	87.1	40.0	97.1

NMB Bank share price history

Over the last 15 trading sessions NMB closed between Rs. 235.30 and Rs. 259.00, finishing at Rs. 259.00 on 2026-09-22 against Rs. 237.50 on 2026-08-26.

Date	Open	High	Low	Close	Volume
2026-09-22	258.20	262.00	256.00	259.00	1,40,317
2026-09-18	251.00	258.70	251.00	257.90	1,58,905
2026-09-17	250.00	252.00	249.10	251.50	71,314
2026-09-16	247.50	251.70	247.50	248.00	53,847
2026-09-15	255.00	260.00	245.50	252.60	1,25,430
2026-09-14	244.00	245.00	242.00	243.00	34,167
2026-09-11	251.30	251.30	238.00	242.00	32,518
2026-09-10	243.00	243.00	239.00	239.40	49,794
2026-09-09	251.80	251.80	239.00	242.30	28,107
2026-09-07	250.40	250.40	238.10	239.90	45,643
2026-09-03	239.00	240.90	238.10	238.50	26,122
2026-09-02	235.00	239.60	235.00	239.60	56,136
2026-09-01	247.00	247.00	235.00	235.80	29,655
2026-08-31	236.00	237.00	235.00	235.30	44,597
2026-08-26	239.00	240.00	236.60	237.50	27,838

NMB share price by year

2026, between Rs. 230.00 and Rs. 272.00, 2025, between Rs. 219.05 and Rs. 269.52, 2024, between Rs. 154.29 and Rs. 285.71, 2023, between Rs. 183.33 and Rs. 255.43, 2022, between Rs. 214.86 and Rs. 369.14 and 2021, between Rs. 293.33 and Rs. 437.67.

Year	Low (Rs.)	High (Rs.)	Sessions
2026	230.00	272.00	168
2025	219.05	269.52	225
2024	154.29	285.71	232
2023	183.33	255.43	227
2022	214.86	369.14	242
2021	293.33	437.67	239
2020	240.48	387.32	184
2019	185.74	251.99	133
2018	154.66	245.70	234
2017	202.14	331.84	230
2016	158.43	386.62	232
2015	148.14	212.12	32

NMB Bank share price returns

At Rs. 259.00 on 2026-09-22, NMB is up 2.53% over 1 week, up 7.56% over 1 month, up 8.23% over 3 months, down 2.26% over 6 months, up 10.59% over 1 year and down 29.54% 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	+2.53%	252.60	2026-09-15
1 month	+7.56%	240.80	2026-08-21
3 months	+8.23%	239.30	2026-06-24
6 months	-2.26%	265.00	2026-03-26
1 year	+10.59%	234.19	2025-09-21
5 years	-29.54%	367.58	2021-09-23

NMB floorsheet for 2026-09-22

NMB traded 382 times on 2026-09-22, moving 1,39,524 shares for Rs. 3.61 crore of turnover. Trades went through between Rs. 250.00 and Rs. 262.00.

Largest buyers by volume: broker 17, ABC Securities Pvt. Limited on 22,210 shares across 68 trades, broker 44, Dynamic Money Managers Securities Pvt.Ltd on 15,000 shares across 12 trades, broker 57, Arya Tara Investment And Securities Pvt. Ltd. on 14,541 shares across 16 trades, broker 51, Oxford Securities Pvt.Ltd on 13,010 shares across 34 trades, broker 45, Imperial Securities Co. Limited on 10,712 shares across 15 trades, broker 35, Kohinoor Investment and Securities Pvt.Ltd on 8,868 shares across 27 trades, broker 52, Sundhara Securities Limited on 8,524 shares across 28 trades, broker 74, Kalash Stock Market Pvt. Ltd. on 6,298 shares across 4 trades, broker 41, Linch Stock Market Limited on 5,880 shares across 17 trades and broker 85, Capital Hub P. Ltd on 5,550 shares across 5 trades.

Largest sellers by volume: broker 46, Kalika Securities Pvt.Limited on 24,573 shares across 20 trades, broker 34, Vision Securities Pvt.Limited on 17,259 shares across 25 trades, broker 65, Sharepro Securities Private Limited on 11,250 shares across 12 trades, broker 28, Shree Krishna Securities Limited on 11,000 shares across 19 trades, broker 13, Thrive Brokerage House Pvt. Limited on 8,783 shares across 13 trades, broker 6, Agrawal Securities Pvt. Limited on 5,803 shares across 8 trades, broker 58, Naasa Securities Co. Ltd. on 5,412 shares across 29 trades, broker 57, Arya Tara Investment And Securities Pvt. Ltd. on 5,144 shares across 14 trades, broker 1, Kumari Securities Pvt. Limited on 5,021 shares across 5 trades and broker 60, Nagarik Stock Dealer Company Ltd. on 3,667 shares across 12 trades.

NMB dividend history: bonus shares and cash dividend

NMB Bank Limited most recently declared a 5% bonus share issue and a 5% cash dividend, 10% in total for 2081/2082, announced on 2025-12-16. 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
2081/2082	5%	5%	2025-12-16
2078/2079		8.25%	2022-12-16

For 2081/2082 NMB Bank Limited declared a 5% bonus share issue and a 5% cash dividend, 10% in total, announced on 2025-12-16.

For 2078/2079 NMB Bank Limited declared an 8.25% cash dividend, announced on 2022-12-16.

NMB general meetings

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

30th AGM for 2081/2082: on 2026-01-08, at Tribhuvan Army Officers' Club, Tundikhel, Kathmandu (10:00 AM)
29th AGM for 2080/2081: on 2025-01-09, at Tribhuvan Army Officers' Club, Tundikhel, Kathmandu (10:00 AM)
28th AGM for 2079/2080: on 2024-01-11, at Rastriya Sabha Griha, Pradarshani Marg, Kathmandu (10:00 AM)

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

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