Sanima Bank (SANIMA) share price is Rs. 407.00, down 1.33% on 2026-11-02. Open Rs. 410.00. High Rs. 413.00. Low Rs. 403.00. Volume 277,611.
Sanima Bank Limited is a NEPSE-listed company (SANIMA), Commercial Banks sector. Revenue: Rs. 980.73 Crore. Net profit: Rs. 354.31 Crore. Net worth: Rs. 2,775.93 Crore.
Sanima Bank Limited (SANIMA) is a Kathmandu-based class A commercial bank with its head office at Nagpokhari, Naxal. It began operations in 2004 as a national-level development bank promoted by Non-Resident Nepalis, and was licensed by Nepal Rastra Bank as an A class commercial bank in February 2012. It provides retail, corporate, digital and remittance services, and consolidates subsidiaries (Sanima Capital and Sanima Securities), so Group and Bank figures differ.
Sanima Bank Limited (SANIMA) has 13,58,15,254 shares outstanding. It listed on NEPSE in 2017. Its most recent declared dividend was 7.37% on face value.
Company website: www.sanimabank.com.
| Market Cap | Rs. 5,527.68 Crore |
|---|---|
| P/E Ratio | 15.60 |
| P/E Ratio (TTM) | 13.28 |
| EPS | Rs. 26.09 |
| EPS (TTM) | Rs. 30.65 |
| Book Value | Rs. 204.39 |
| Dividend Yield | 1.81% |
| Face Value | Rs. 100.00 |
| 52 Week High | Rs. 420.20 |
| 52 Week Low | Rs. 295.00 |
| Listed Since | 2017 |
What Sanima Bank Limited's own accounts show in its favour, graded against the rest of its sector.
What the same accounts show against it. Both lists are computed from the filed figures, not opinion, and are not advice.
In the first quarter of 2083/84 (Q1 2083/84) Sanima Bank Limited reported profit of Rs. 104.02 crore and total operating income of Rs. 306.88 crore. Profit in Q4 2082/83 was Rs. 120.22 crore. Profit fell 13.47% on the previous quarter. Total operating income grew 24.19% on the previous quarter. Profit in Q1 2082/83, the same quarter a year earlier, was Rs. 42.12 crore. Profit grew 146.98% on the same quarter last year. Total operating income grew 29.57% on the same quarter last year.
For the financial year 2082/83 Sanima Bank Limited reported net profit of Rs. 354.31 crore, total operating income of Rs. 980.73 crore and net worth of Rs. 2,775.93 crore. Net profit in 2081/82 was Rs. 262.89 crore. Net profit grew 34.77% on the year. Total operating income grew 12.00% on the year.
In the financial year 2082/83, Sanima Bank Limited reported net interest income of Rs. 699.68 crore, net fee and commission income of Rs. 143.85 crore, net trading income of Rs. 85.88 crore, other operating income of Rs. 51.32 crore, total operating income of Rs. 980.73 crore, impairment charge/(reversal) of Rs. 107.78 crore, net operating income of Rs. 872.96 crore, operating expenses of Rs. 355.75 crore, operating profit of Rs. 517.21 crore, non-operating income/(expense) of Rs. 13.23 crore, profit before income tax of Rs. 503.98 crore, income tax expense of Rs. 149.67 crore and profit for the year of Rs. 354.31 crore.
Reported under net interest income: interest income of Rs. 1,660.56 crore and interest expense of Rs. 960.88 crore. Reported under net fee and commission income: fee and commission income of Rs. 161.31 crore and fee and commission expense of Rs. 17.46 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 230.44 crore, other operating expenses of Rs. 87.7 crore and depreciation & amortisation of Rs. 37.61 crore. Reported under non-operating income/(expense): non-operating income of Rs. 1.61 crore and non-operating expense of Rs. 14.84 crore. Reported under income tax expense: current tax of Rs. 155.3 crore and deferred tax of Rs. 5.64 crore.
In the financial year 2081/82, Sanima Bank Limited reported net interest income of Rs. 637.73 crore, net fee and commission income of Rs. 130.85 crore, net trading income of Rs. 63.47 crore, other operating income of Rs. 43.63 crore, total operating income of Rs. 875.67 crore, impairment charge/(reversal) of Rs. 188.91 crore, net operating income of Rs. 686.76 crore, operating expenses of Rs. 320.45 crore, operating profit of Rs. 366.31 crore, non-operating income/(expense) of Rs. 1.48 crore, profit before income tax of Rs. 364.83 crore, income tax expense of Rs. 101.94 crore and profit for the year of Rs. 262.89 crore.
Reported under net interest income: interest income of Rs. 1,804.89 crore and interest expense of Rs. 1,167.17 crore. Reported under net fee and commission income: fee and commission income of Rs. 150.62 crore and fee and commission expense of Rs. 19.77 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 204.75 crore, other operating expenses of Rs. 79.6 crore and depreciation & amortisation of Rs. 36.1 crore. Reported under non-operating income/(expense): non-operating income of Rs. 2.85 crore and non-operating expense of Rs. 4.33 crore. Reported under income tax expense: current tax of Rs. 103.03 crore and deferred tax of Rs. 1.09 crore.
In the financial year 2080/81, Sanima Bank Limited reported net interest income of Rs. 621.43 crore, net fee and commission income of Rs. 110.53 crore, net trading income of Rs. 51.76 crore, other operating income of Rs. 17.64 crore, total operating income of Rs. 801.37 crore, impairment charge/(reversal) of Rs. 143.33 crore, net operating income of Rs. 658.03 crore, operating expenses of Rs. 308.35 crore, operating profit of Rs. 349.68 crore, non-operating income/(expense) of Rs. 9.06 crore, profit before income tax of Rs. 340.62 crore, income tax expense of Rs. 100.35 crore and profit for the year of Rs. 240.27 crore.
Reported under net interest income: interest income of Rs. 2,073.64 crore and interest expense of Rs. 1,452.22 crore. Reported under net fee and commission income: fee and commission income of Rs. 128.78 crore and fee and commission expense of Rs. 18.25 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 195.18 crore, other operating expenses of Rs. 76.28 crore and depreciation & amortisation of Rs. 36.89 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.9 crore and non-operating expense of Rs. 9.96 crore. Reported under income tax expense: current tax of Rs. 104.71 crore and deferred tax of Rs. 4.36 crore.
In the financial year 2082/83, Sanima Bank Limited reported total assets of Rs. 29,123.89 crore, total liabilities of Rs. 26,347.96 crore and total equity of Rs. 2,775.93 crore.
Reported under total assets: cash and cash equivalents of Rs. 1,897.72 crore, due from nepal rastra bank of Rs. 1,742.53 crore, placement with banks and fis of Rs. 655.49 crore, derivative financial instruments of Rs. 0 crore, other trading assets of Rs. 86.32 crore, loans and advances to banks and fis of Rs. 810.53 crore, loans and advances to customers of Rs. 19,581.62 crore, investment securities of Rs. 3,775.8 crore, current tax assets of Rs. 0 crore, investment in subsidiaries of Rs. 0 crore, investment property of Rs. 117.96 crore, property and equipment of Rs. 137.09 crore, goodwill and intangible assets of Rs. 17.95 crore, deferred tax assets of Rs. 20.4 crore and other assets of Rs. 280.48 crore. Reported under total liabilities: due to banks and fis of Rs. 103.5 crore, due to nepal rastra bank of Rs. 0 crore, derivative financial instruments of Rs. 14.72 crore, deposits from customers of Rs. 24,853.47 crore, borrowings of Rs. 0 crore, current tax liabilities of Rs. 14.5 crore, provisions of Rs. 8.3 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 414.96 crore and debt securities issued of Rs. 938.52 crore. Reported under total equity: share capital of Rs. 1,558.15 crore, retained earnings of Rs. 300.67 crore, reserves of Rs. 917.11 crore and non controlling interest of Rs. 0 crore.
In the financial year 2081/82, Sanima Bank Limited reported total assets of Rs. 26,357.43 crore, total liabilities of Rs. 24,036.4 crore and total equity of Rs. 2,321.03 crore.
Reported under total assets: cash and cash equivalents of Rs. 2,044.81 crore, due from nepal rastra bank of Rs. 1,987.55 crore, placement with banks and fis of Rs. 352.02 crore, derivative financial instruments of Rs. 0 crore, other trading assets of Rs. 59.45 crore, loans and advances to banks and fis of Rs. 701.41 crore, loans and advances to customers of Rs. 17,639.96 crore, investment securities of Rs. 2,963.07 crore, current tax assets of Rs. 17.17 crore, investment in subsidiaries of Rs. 0 crore, investment property of Rs. 95.15 crore, property and equipment of Rs. 135.86 crore, goodwill and intangible assets of Rs. 8.91 crore, deferred tax assets of Rs. 16.13 crore and other assets of Rs. 335.93 crore. Reported under total liabilities: due to banks and fis of Rs. 158.29 crore, due to nepal rastra bank of Rs. 0 crore, derivative financial instruments of Rs. 2.14 crore, deposits from customers of Rs. 22,341.82 crore, borrowings of Rs. 206.33 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 4.05 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 385.63 crore and debt securities issued of Rs. 938.14 crore. Reported under total equity: share capital of Rs. 1,358.15 crore, retained earnings of Rs. 223.7 crore, reserves of Rs. 739.18 crore and non controlling interest of Rs. 0 crore.
In the financial year 2080/81, Sanima Bank Limited reported total assets of Rs. 23,381.44 crore, total liabilities of Rs. 21,277.27 crore and total equity of Rs. 2,104.18 crore.
Reported under total assets: cash and cash equivalents of Rs. 1,314.09 crore, due from nepal rastra bank of Rs. 1,423.74 crore, placement with banks and fis of Rs. 64.1 crore, derivative financial instruments of Rs. 0 crore, other trading assets of Rs. 46.67 crore, loans and advances to banks and fis of Rs. 552.78 crore, loans and advances to customers of Rs. 15,941.5 crore, investment securities of Rs. 3,417.83 crore, current tax assets of Rs. 0.5 crore, investment in subsidiaries of Rs. 0 crore, investment property of Rs. 67.4 crore, property and equipment of Rs. 141.35 crore, goodwill and intangible assets of Rs. 8.51 crore, deferred tax assets of Rs. 24.76 crore and other assets of Rs. 378.23 crore. Reported under total liabilities: due to banks and fis of Rs. 218.22 crore, due to nepal rastra bank of Rs. 0 crore, derivative financial instruments of Rs. 0.19 crore, deposits from customers of Rs. 19,689.72 crore, borrowings of Rs. 107 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 3.64 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 320.75 crore and debt securities issued of Rs. 937.75 crore. Reported under total equity: share capital of Rs. 1,358.15 crore, retained earnings of Rs. 153.6 crore, reserves of Rs. 592.43 crore and non controlling interest of Rs. 0 crore.
In the financial year 2082/83, Sanima Bank Limited reported net cash flow from operating activities (a) of Rs. 536.98 crore, net cash flow from investing activities (b) of Rs. 789.79 crore, net cash flow from financing activities (c) of Rs. 105.72 crore, net increase/(decrease) in cash and cash equivalents of Rs. 147.09 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 2,044.81 crore and cash and cash equivalents at ashadh end of Rs. 1,897.72 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 1,626.99 crore, fees and other income received of Rs. 162.9 crore, dividend received of Rs. 3.01 crore, receipts from other operating activities of Rs. 94.75 crore, interest paid of Rs. 957.7 crore, commission and fees paid of Rs. 17.48 crore, cash payment to employees of Rs. 192.72 crore, other expense paid of Rs. 125.73 crore, operating cash flows before changes in operating assets and liabilities of Rs. 594.02 crore, due from nepal rastra bank of Rs. 245.02 crore, placement with banks and financial institutions of Rs. 303.47 crore, other trading assets of Rs. 31.24 crore, loan and advances to banks and financial institutions of Rs. 109.11 crore, loan and advances to customers of Rs. 2,094.21 crore, other assets of Rs. 88.21 crore, due to banks and financial institutions of Rs. 56.57 crore, due to nepal rastra bank of Rs. 0 crore, deposit from customers of Rs. 2,511.64 crore, borrowings of Rs. 201.78 crore, other liabilities of Rs. 18.3 crore, net cash flow from operating activities before tax paid of Rs. 660.81 crore and income taxes paid of Rs. 123.83 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 828.47 crore, receipts from sale of investment securities of Rs. 36.9 crore, purchase of property and equipment of Rs. 24.38 crore, receipt from sale of property and equipment of Rs. 3.8 crore, purchase of intangible assets of Rs. 12.49 crore, purchase of investment properties of Rs. 0 crore, receipt from sale of investment properties of Rs. 21.5 crore and dividend received of Rs. 13.35 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. 200 crore, dividends paid of Rs. 100.08 crore and other receipt/payment of Rs. 5.8 crore.
In the financial year 2081/82, Sanima Bank Limited reported net cash flow from operating activities (a) of Rs. 268.7 crore, net cash flow from investing activities (b) of Rs. 508.28 crore, net cash flow from financing activities (c) of Rs. 46.26 crore, net increase/(decrease) in cash and cash equivalents of Rs. 730.72 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 1,314.09 crore and cash and cash equivalents at ashadh end of Rs. 2,044.81 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 1,791.39 crore, fees and other income received of Rs. 149.16 crore, dividend received of Rs. 1.34 crore, receipts from other operating activities of Rs. 70.11 crore, interest paid of Rs. 1,108.99 crore, commission and fees paid of Rs. 19.76 crore, cash payment to employees of Rs. 203.61 crore, other expense paid of Rs. 107.12 crore, operating cash flows before changes in operating assets and liabilities of Rs. 572.51 crore, due from nepal rastra bank of Rs. 563.82 crore, placement with banks and financial institutions of Rs. 286.91 crore, other trading assets of Rs. 8.23 crore, loan and advances to banks and financial institutions of Rs. 148.64 crore, loan and advances to customers of Rs. 1,954.47 crore, other assets of Rs. 54.44 crore, due to banks and financial institutions of Rs. 60.98 crore, due to nepal rastra bank of Rs. 0 crore, deposit from customers of Rs. 2,651.11 crore, borrowings of Rs. 104.48 crore, other liabilities of Rs. 29.06 crore, net cash flow from operating activities before tax paid of Rs. 388.55 crore and income taxes paid of Rs. 119.86 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 6 crore, receipts from sale of investment securities of Rs. 505.13 crore, purchase of property and equipment of Rs. 16.73 crore, receipt from sale of property and equipment of Rs. 3.01 crore, purchase of intangible assets of Rs. 2.86 crore, purchase of investment properties of Rs. 0 crore, receipt from sale of investment properties of Rs. 18.16 crore and dividend received of Rs. 7.57 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, dividends paid of Rs. 71.48 crore and other receipt/payment of Rs. 25.22 crore.
In the financial year 2080/81, Sanima Bank Limited reported net cash flow from operating activities (a) of Rs. 87.51 crore, net cash flow from investing activities (b) of Rs. 776.97 crore, net cash flow from financing activities (c) of Rs. 85.33 crore, net increase/(decrease) in cash and cash equivalents of Rs. 779.15 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 534.94 crore and cash and cash equivalents at ashadh end of Rs. 1,314.09 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 1,998.48 crore, fees and other income received of Rs. 128.23 crore, dividend received of Rs. 0.77 crore, receipts from other operating activities of Rs. 57.06 crore, interest paid of Rs. 1,455.28 crore, commission and fees paid of Rs. 18.24 crore, cash payment to employees of Rs. 186.28 crore, other expense paid of Rs. 110.12 crore, operating cash flows before changes in operating assets and liabilities of Rs. 414.62 crore, due from nepal rastra bank of Rs. 386.93 crore, placement with banks and financial institutions of Rs. 46.55 crore, other trading assets of Rs. 0.35 crore, loan and advances to banks and financial institutions of Rs. 108.26 crore, loan and advances to customers of Rs. 1,588.49 crore, other assets of Rs. 119.21 crore, due to banks and financial institutions of Rs. 290.91 crore, due to nepal rastra bank of Rs. 7.21 crore, deposit from customers of Rs. 2,153.45 crore, borrowings of Rs. 155.9 crore, other liabilities of Rs. 8.28 crore, net cash flow from operating activities before tax paid of Rs. 187.49 crore and income taxes paid of Rs. 99.97 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 0.11 crore, receipts from sale of investment securities of Rs. 796.64 crore, purchase of property and equipment of Rs. 25.12 crore, receipt from sale of property and equipment of Rs. 3.72 crore, purchase of intangible assets of Rs. 2.04 crore, purchase of investment properties of Rs. 0 crore, receipt from sale of investment properties of Rs. 0 crore and dividend received of Rs. 3.89 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, dividends paid of Rs. 71.02 crore and other receipt/payment of Rs. 14.31 crore.
In the quarter Q1 2083/84, Sanima Bank Limited reported net interest income of Rs. 184.77 crore, net fee and commission income of Rs. 48.15 crore, net trading income of Rs. 36.73 crore, other operating income of Rs. 37.23 crore, total operating income of Rs. 306.88 crore, impairment charge/(reversal) of Rs. 33.1 crore, net operating income of Rs. 273.78 crore, operating expenses of Rs. 99.49 crore, operating profit of Rs. 174.29 crore, non-operating income/(expense) of Rs. 25.5 crore, profit before income tax of Rs. 148.79 crore, income tax expense of Rs. 44.76 crore and profit for the year of Rs. 104.02 crore.
Reported under net interest income: interest income of Rs. 405.93 crore and interest expense of Rs. 221.16 crore. Reported under net fee and commission income: fee and commission income of Rs. 52.01 crore and fee and commission expense of Rs. 3.86 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 62.64 crore, other operating expenses of Rs. 30.63 crore and depreciation & amortisation of Rs. 6.22 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.07 crore and non-operating expense of Rs. 25.57 crore. Reported under income tax expense: current tax of Rs. 44.43 crore and deferred tax of Rs. 0.33 crore.
In the quarter Q4 2082/83, Sanima Bank Limited reported net interest income of Rs. 183.28 crore, net fee and commission income of Rs. 39.85 crore, net trading income of Rs. 20.59 crore, other operating income of Rs. 3.39 crore, total operating income of Rs. 247.11 crore, impairment charge/(reversal) of Rs. 29 crore, net operating income of Rs. 276.1 crore, operating expenses of Rs. 91.34 crore, operating profit of Rs. 184.77 crore, non-operating income/(expense) of Rs. 11.65 crore, profit before income tax of Rs. 173.12 crore, income tax expense of Rs. 52.9 crore and profit for the year of Rs. 120.22 crore.
Reported under net interest income: interest income of Rs. 418.89 crore and interest expense of Rs. 235.61 crore. Reported under net fee and commission income: fee and commission income of Rs. 44.16 crore and fee and commission expense of Rs. 4.31 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 60.57 crore, other operating expenses of Rs. 9.98 crore and depreciation & amortisation of Rs. 20.79 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.52 crore and non-operating expense of Rs. 12.17 crore. Reported under income tax expense: current tax of Rs. 58.33 crore and deferred tax of Rs. 5.43 crore.
In the quarter Q3 2082/83, Sanima Bank Limited reported net interest income of Rs. 173.24 crore, net fee and commission income of Rs. 37.64 crore, net trading income of Rs. 33.71 crore, other operating income of Rs. 19.51 crore, total operating income of Rs. 264.1 crore, impairment charge/(reversal) of Rs. 28.88 crore, net operating income of Rs. 235.22 crore, operating expenses of Rs. 97.26 crore, operating profit of Rs. 137.96 crore, non-operating income/(expense) of Rs. 0.05 crore, profit before income tax of Rs. 138.01 crore, income tax expense of Rs. 40.77 crore and profit for the year of Rs. 97.24 crore.
Reported under net interest income: interest income of Rs. 394.77 crore and interest expense of Rs. 221.53 crore. Reported under net fee and commission income: fee and commission income of Rs. 41.64 crore and fee and commission expense of Rs. 3.99 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 63.25 crore, other operating expenses of Rs. 28.1 crore and depreciation & amortisation of Rs. 5.91 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.16 crore and non-operating expense of Rs. 0.11 crore. Reported under income tax expense: current tax of Rs. 40.39 crore and deferred tax of Rs. 0.38 crore.
In the quarter Q2 2082/83, Sanima Bank Limited reported net interest income of Rs. 174.07 crore, net fee and commission income of Rs. 31.7 crore, net trading income of Rs. 16.95 crore, other operating income of Rs. 9.24 crore, total operating income of Rs. 231.96 crore, impairment charge/(reversal) of Rs. 12.22 crore, net operating income of Rs. 219.74 crore, operating expenses of Rs. 87.99 crore, operating profit of Rs. 131.74 crore, non-operating income/(expense) of Rs. 0.69 crore, profit before income tax of Rs. 132.44 crore, income tax expense of Rs. 37.7 crore and profit for the year of Rs. 94.73 crore.
Reported under net interest income: interest income of Rs. 413.4 crore and interest expense of Rs. 239.33 crore. Reported under net fee and commission income: fee and commission income of Rs. 36.23 crore and fee and commission expense of Rs. 4.53 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 57.5 crore, other operating expenses of Rs. 25.15 crore and depreciation & amortisation of Rs. 5.34 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.82 crore and non-operating expense of Rs. 0.12 crore. Reported under income tax expense: current tax of Rs. 37.5 crore and deferred tax of Rs. 0.2 crore.
Values in Rs. Crore unless stated otherwise.
| Particulars | 2082/83 | 2081/82 | 2080/81 | 2079/80 | 2078/79 | 2077/78 |
|---|---|---|---|---|---|---|
| Net Interest Income | 700 | 638 | 621 | 652 | 468 | 454 |
| Interest Income | 1,661 | 1,805 | 2,074 | 2,162 | 1,486 | 1,077 |
| Interest Expense | -961 | -1,167 | -1,452 | -1,510 | -1,018 | -623 |
| Net Fee and Commission Income | 144 | 131 | 111 | 89.7 | 94.7 | 88.0 |
| Fee and Commission Income | 161 | 151 | 129 | 114 | 110 | 95.1 |
| Fee and Commission Expense | -17.5 | -19.8 | -18.2 | -24.4 | -15.1 | -7.1 |
| Net Trading Income | 85.9 | 63.5 | 51.8 | 21.1 | 35.0 | 52.0 |
| Other Operating Income | 51.3 | 43.6 | 17.6 | 12.8 | 10.7 | 3.4 |
| Total Operating Income | 981 | 876 | 801 | 776 | 608 | 597 |
| Impairment Charge/(Reversal) | -108 | -189 | -143 | -105 | -55.4 | -24.8 |
| Net Operating Income | 873 | 687 | 658 | 670 | 553 | 572 |
| Operating Expenses | -356 | -320 | -308 | -289 | -256 | -229 |
| Operating Expense - Personnel Expenses | -230 | -205 | -195 | -179 | -158 | -147 |
| Other Operating Expenses | -87.7 | -79.6 | -76.3 | -73.1 | -63.3 | -65.2 |
| Depreciation & Amortisation | -37.6 | -36.1 | -36.9 | -36.9 | -35.1 | -16.5 |
| Operating Profit | 517 | 366 | 350 | 381 | 297 | 344 |
| Non-Operating Income/(Expense) | -13.2 | -1.5 | -9.1 | -4.1 | -0.58 | -0.17 |
| Non-Operating Income | 1.6 | 2.9 | 0.90 | 1.4 | 0.63 | 0.13 |
| Non-Operating Expense | -14.8 | -4.3 | -10.0 | -5.5 | -1.2 | -0.30 |
| Profit Before Income Tax | 504 | 365 | 341 | 377 | 296 | 344 |
| Income Tax Expense | -150 | -102 | -100 | -115 | -87.7 | -103 |
| Current Tax | -155 | -103 | -105 | -117 | -105 | -99.8 |
| Deferred Tax | 5.6 | 1.1 | 4.4 | 2.4 | 17.3 | -3.6 |
| Profit for the Year | 354 | 263 | 240 | 262 | 209 | 240 |
Values in Rs. Crore unless stated otherwise.
| Particulars | 2082/83 | 2081/82 | 2080/81 | 2079/80 | 2078/79 | 2077/78 |
|---|---|---|---|---|---|---|
| Total Assets | 29,124 | 26,357 | 23,381 | 21,552 | 19,257 | 16,081 |
| Cash and Cash Equivalents | 1,898 | 2,045 | 1,314 | 535 | 533 | 482 |
| Due from Nepal Rastra Bank | 1,743 | 1,988 | 1,424 | 1,037 | 1,352 | 605 |
| Placement with Banks and FIs | 655 | 352 | 64.1 | 112 | 40.1 | 180 |
| Derivative Financial Instruments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 1.6 |
| Other Trading Assets | 86.3 | 59.5 | 46.7 | 52.6 | 61.4 | 39.5 |
| Loans and Advances to Banks and FIs | 811 | 701 | 553 | 445 | 517 | 409 |
| Loans and Advances to Customers | 19,582 | 17,640 | 15,941 | 14,543 | 13,652 | 11,907 |
| Investment Securities | 3,776 | 2,963 | 3,418 | 4,208 | 2,655 | 2,100 |
| Current Tax Assets | 0.00 | 17.2 | 0.50 | 5.4 | 0.00 | 0.00 |
| Investment in Subsidiaries | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investment Property | 118 | 95.1 | 67.4 | 19.0 | 7.3 | 0.00 |
| Property and Equipment | 137 | 136 | 141 | 139 | 136 | 121 |
| Goodwill and Intangible Assets | 17.9 | 8.9 | 8.5 | 9.6 | 8.8 | 4.8 |
| Deferred Tax Assets | 20.4 | 16.1 | 24.8 | 16.8 | 12.9 | 0.00 |
| Other Assets | 280 | 336 | 378 | 432 | 282 | 230 |
| Total Liabilities | 26,348 | 24,036 | 21,277 | 19,602 | 17,555 | 14,576 |
| Due to Banks and FIs | 103 | 158 | 218 | 509 | 261 | 492 |
| Due to Nepal Rastra Bank | 0.00 | 0.00 | 0.00 | 7.2 | 410 | 365 |
| Derivative Financial Instruments | 14.7 | 2.1 | 0.19 | 0.60 | 5.2 | 0.00 |
| Deposits from Customers | 24,853 | 22,342 | 19,690 | 17,537 | 15,735 | 12,823 |
| Borrowings | 0.00 | 206 | 107 | 263 | 128 | 179 |
| Current Tax Liabilities | 14.5 | 0.00 | 0.00 | 0.00 | 3.9 | 5.2 |
| Provisions | 8.3 | 4.0 | 3.6 | 3.4 | 4.5 | 3.1 |
| Deferred Tax Liabilities | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 7.3 |
| Other Liabilities | 415 | 386 | 321 | 345 | 327 | 224 |
| Debt Securities Issued | 939 | 938 | 938 | 937 | 681 | 477 |
| Total Equity | 2,776 | 2,321 | 2,104 | 1,950 | 1,702 | 1,505 |
| Share Capital | 1,558 | 1,358 | 1,358 | 1,246 | 1,133 | 968 |
| Retained Earnings | 301 | 224 | 154 | 231 | 133 | 183 |
| Reserves | 917 | 739 | 592 | 473 | 437 | 354 |
| Non Controlling Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Values in Rs. Crore unless stated otherwise.
| Particulars | 2082/83 | 2081/82 | 2080/81 | 2079/80 | 2078/79 | 2077/78 |
|---|---|---|---|---|---|---|
| Net Cash Flow from Operating Activities (A) | 537 | 269 | 87.5 | 1,341 | 499 | 282 |
| Interest Received | 1,627 | 1,791 | 1,998 | 2,059 | 1,440 | 1,059 |
| Fees and Other Income Received | 163 | 149 | 128 | 114 | 109 | 94.5 |
| Dividend Received | 3.0 | 1.3 | 0.77 | 0.28 | 0.05 | 0.09 |
| Receipts from Other Operating Activities | 94.8 | 70.1 | 57.1 | 27.3 | 36.7 | 48.0 |
| Interest Paid | -958 | -1,109 | -1,455 | -1,488 | -1,017 | -620 |
| Commission and Fees Paid | -17.5 | -19.8 | -18.2 | -24.5 | -15.1 | -6.3 |
| Cash Payment to Employees | -193 | -204 | -186 | -165 | -157 | -127 |
| Other Expense Paid | -126 | -107 | -110 | -104 | -58.7 | -64.1 |
| Operating Cash Flows Before Changes in Operating Assets and Liabilities | 594 | 573 | 415 | 419 | 338 | 384 |
| Due from Nepal Rastra Bank | 245 | -564 | -387 | 315 | -746 | -72.8 |
| Placement with Banks and Financial Institutions | -303 | -287 | 46.6 | -71.5 | 141 | 108 |
| Other Trading Assets | -31.2 | -8.2 | -0.35 | 8.0 | -21.6 | 19.4 |
| Loan and Advances to Banks and Financial Institutions | -109 | -149 | -108 | 72.3 | -107 | -125 |
| Loan and Advances to Customers | -2,094 | -1,954 | -1,588 | -994 | -1,800 | -2,847 |
| Other Assets | 88.2 | 54.4 | 119 | -51.3 | -14.7 | 13.3 |
| Due to Banks and Financial Institutions | -56.6 | -61.0 | -291 | 248 | -231 | 164 |
| Due to Nepal Rastra Bank | 0.00 | 0.00 | -7.2 | -402 | 44.5 | 357 |
| Deposit from Customers | 2,512 | 2,651 | 2,153 | 1,803 | 2,911 | 2,116 |
| Borrowings | -202 | 104 | -156 | 135 | -50.8 | 179 |
| Other Liabilities | 18.3 | 29.1 | -8.3 | -12.8 | 127 | 81.3 |
| Net Cash Flow from Operating Activities Before Tax Paid | 661 | 389 | 187 | 1,467 | 590 | 378 |
| Income Taxes Paid | -124 | -120 | -100.0 | -126 | -90.7 | -95.3 |
| Net Cash Flow from Investing Activities (B) | -790 | 508 | 777 | -1,583 | -635 | -607 |
| Purchase of Investment Securities | -828 | -6.0 | -0.11 | -2,736 | -589 | -593 |
| Receipts from Sale of Investment Securities | 36.9 | 505 | 797 | 1,184 | 0.00 | 0.00 |
| Purchase of Property and Equipment | -24.4 | -16.7 | -25.1 | -18.9 | -53.7 | -20.2 |
| Receipt from Sale of Property and Equipment | 3.8 | 3.0 | 3.7 | 1.7 | 3.3 | 1.2 |
| Purchase of Intangible Assets | -12.5 | -2.9 | -2.0 | -6.8 | -4.0 | 1.2 |
| Purchase of Investment Properties | 0.00 | 0.00 | 0.00 | -11.7 | 0.00 | 0.00 |
| Receipt from Sale of Investment Properties | 21.5 | 18.2 | 0.00 | 0.00 | -7.3 | 0.00 |
| Dividend Received | 13.4 | 7.6 | 3.9 | 4.9 | 15.0 | 3.7 |
| Net Cash Flow from Financing Activities (C) | 106 | -46.3 | -85.3 | 244 | 187 | 281 |
| Receipt from Issue of Debt Securities | 0.00 | 0.00 | 0.00 | 295 | 203 | 304 |
| Repayment of Debt Securities | 0.00 | 0.00 | 0.00 | -37.0 | 0.00 | 0.00 |
| Receipt from Issue of Shares | 200 | Not reported | Not reported | Not reported | Not reported | Not reported |
| Dividends Paid | -100 | -71.5 | -71.0 | -11.1 | -14.9 | -33.8 |
| Other Receipt/Payment | 5.8 | 25.2 | -14.3 | -2.9 | -1.1 | 10.9 |
| Net Increase/(Decrease) in Cash and Cash Equivalents | -147 | 731 | 779 | 1.9 | 50.8 | -43.3 |
| Cash and Cash Equivalents at Shrawan 01 (Beginning of the Year) | 2,045 | 1,314 | 535 | 533 | 482 | 526 |
| Cash and Cash Equivalents at Ashadh End | 1,898 | 2,045 | 1,314 | 535 | 533 | 482 |
Figures from Sanima Bank Limited's quarterly reports, most recent quarter first.
Values in Rs. Crore unless stated otherwise.
| Particulars | Q1 2083/84 | Q4 2082/83 | Q3 2082/83 | Q2 2082/83 | Q1 2082/83 | Q4 2081/82 | Q3 2081/82 | Q2 2081/82 | Q1 2081/82 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 185 | 183 | 173 | 174 | 169 | 208 | 141 | 156 | 132 |
| Interest Income | 406 | 419 | 395 | 413 | 433 | 502 | 419 | 438 | 446 |
| Interest Expense | -221 | -236 | -222 | -239 | -264 | -294 | -278 | -282 | -313 |
| Net Fee and Commission Income | 48.2 | 39.9 | 37.6 | 31.7 | 34.0 | 35.5 | 31.2 | 34.3 | 29.6 |
| Fee and Commission Income | 52.0 | 44.2 | 41.6 | 36.2 | 38.6 | 41.2 | 35.3 | 38.8 | 35.1 |
| Fee and Commission Expense | -3.9 | -4.3 | -4.0 | -4.5 | -4.6 | -5.7 | -4.1 | -4.5 | -5.4 |
| Net Trading Income | 36.7 | 20.6 | 33.7 | 17.0 | 14.6 | 16.9 | 15.0 | 10.1 | 21.6 |
| Other Operating Income | 37.2 | 3.4 | 19.5 | 9.2 | 19.2 | 0.96 | 18.7 | 11.7 | 12.4 |
| Total Operating Income | 307 | 247 | 264 | 232 | 237 | 262 | 206 | 212 | 196 |
| Impairment Charge/(Reversal) | -33.1 | 29.0 | -28.9 | -12.2 | -95.7 | -48.5 | -64.2 | -19.9 | -56.3 |
| Net Operating Income | 274 | 276 | 235 | 220 | 141 | 213 | 142 | 192 | 140 |
| Operating Expenses | -99.5 | -91.3 | -97.3 | -88.0 | -78.6 | -76.6 | -80.3 | -86.0 | -77.8 |
| Operating Expense - Personnel Expenses | -62.6 | -60.6 | -63.2 | -57.5 | -49.0 | -51.9 | -49.5 | -54.9 | -48.4 |
| Other Operating Expenses | -30.6 | -10.0 | -28.1 | -25.2 | -24.4 | -5.3 | -24.9 | -25.7 | -24.1 |
| Depreciation & Amortisation | -6.2 | -20.8 | -5.9 | -5.3 | -5.3 | -19.4 | -5.9 | -5.4 | -5.3 |
| Operating Profit | 174 | 185 | 138 | 132 | 62.5 | 136 | 61.8 | 106 | 62.0 |
| Non-Operating Income/(Expense) | -25.5 | -11.6 | 0.05 | 0.69 | -2.3 | -1.3 | -0.20 | -0.16 | 0.20 |
| Non-Operating Income | 0.07 | 0.52 | 0.16 | 0.82 | 0.11 | 2.4 | 0.04 | 0.05 | 0.33 |
| Non-Operating Expense | -25.6 | -12.2 | -0.11 | -0.12 | -2.4 | -3.8 | -0.24 | -0.21 | -0.13 |
| Profit Before Income Tax | 149 | 173 | 138 | 132 | 60.2 | 135 | 61.6 | 106 | 62.2 |
| Income Tax Expense | -44.8 | -52.9 | -40.8 | -37.7 | -18.1 | -40.2 | -14.8 | -28.5 | -18.9 |
| Current Tax | -44.4 | -58.3 | -40.4 | -37.5 | -18.9 | -46.2 | -14.4 | -24.1 | -18.6 |
| Deferred Tax | -0.33 | 5.4 | -0.38 | -0.20 | 0.80 | 6.0 | -0.42 | -4.4 | -0.30 |
| Profit for the Year | 104 | 120 | 97.2 | 94.7 | 42.1 | 94.9 | 46.8 | 77.3 | 43.3 |
Over the last 15 trading sessions SANIMA closed between Rs. 365.50 and Rs. 417.00, finishing at Rs. 407.00 on 2026-11-02 against Rs. 365.50 on 2026-10-05.
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| 2026-11-02 | 410.00 | 413.00 | 403.00 | 407.00 | 2,77,611 |
| 2026-10-30 | 419.00 | 420.20 | 411.40 | 412.50 | 2,59,024 |
| 2026-10-29 | 410.00 | 418.00 | 408.00 | 417.00 | 4,23,667 |
| 2026-10-28 | 393.00 | 410.00 | 393.00 | 409.40 | 4,02,810 |
| 2026-10-27 | 394.50 | 397.90 | 391.50 | 393.00 | 1,93,138 |
| 2026-10-26 | 392.90 | 401.00 | 392.90 | 395.00 | 3,13,242 |
| 2026-10-16 | 392.00 | 394.00 | 388.10 | 392.90 | 1,01,691 |
| 2026-10-14 | 384.00 | 395.00 | 384.00 | 392.00 | 2,73,487 |
| 2026-10-13 | 377.00 | 387.00 | 374.10 | 384.00 | 2,67,890 |
| 2026-10-12 | 378.00 | 379.60 | 374.00 | 376.00 | 77,757 |
| 2026-10-09 | 370.00 | 378.00 | 370.00 | 377.00 | 2,10,928 |
| 2026-10-08 | 370.00 | 375.00 | 367.10 | 373.50 | 90,026 |
| 2026-10-07 | 370.00 | 370.00 | 364.00 | 369.80 | 47,841 |
| 2026-10-06 | 360.30 | 368.00 | 360.30 | 367.80 | 51,136 |
| 2026-10-05 | 367.00 | 367.00 | 360.00 | 365.50 | 44,404 |
2026, between Rs. 315.70 and Rs. 420.20, 2025, between Rs. 285.00 and Rs. 391.00, 2024, between Rs. 228.00 and Rs. 382.00, 2023, between Rs. 210.09 and Rs. 284.40, 2022, between Rs. 194.33 and Rs. 335.28 and 2021, between Rs. 230.25 and Rs. 402.69.
| Year | Low (Rs.) | High (Rs.) | Sessions |
|---|---|---|---|
| 2026 | 315.70 | 420.20 | 190 |
| 2025 | 285.00 | 391.00 | 225 |
| 2024 | 228.00 | 382.00 | 232 |
| 2023 | 210.09 | 284.40 | 227 |
| 2022 | 194.33 | 335.28 | 242 |
| 2021 | 230.25 | 402.69 | 239 |
| 2020 | 185.99 | 283.19 | 183 |
| 2019 | 168.49 | 218.57 | 245 |
| 2018 | 173.79 | 227.40 | 235 |
| 2017 | 177.36 | 259.52 | 229 |
| 2016 | 170.25 | 300.47 | 232 |
| 2015 | 108.35 | 192.90 | 216 |
At Rs. 407.00 on 2026-11-02, SANIMA is up 3.04% over 1 week, up 11.20% over 1 month, up 8.82% over 3 months, up 14.65% over 6 months, up 27.19% over 1 year and up 20.55% 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 | +3.04% | 395.00 | 2026-10-26 |
| 1 month | +11.20% | 366.00 | 2026-10-02 |
| 3 months | +8.82% | 374.00 | 2026-08-04 |
| 6 months | +14.65% | 355.00 | 2026-05-06 |
| 1 year | +27.19% | 320.00 | 2025-11-02 |
| 5 years | +20.55% | 337.61 | 2021-11-03 |
SANIMA traded 616 times on 2026-11-02, moving 2,77,611 shares for Rs. 11.27 crore of turnover. Trades went through between Rs. 403.00 and Rs. 413.00.
Largest buyers by volume: broker 94, K.B.L. Securities Limited on 40,766 shares across 94 trades, broker 33, Dakshinkali Investment Securities Pvt.Limited on 35,184 shares across 41 trades, broker 17, ABC Securities Pvt. Limited on 26,155 shares across 48 trades, broker 60, Nagarik Stock Dealer Company Ltd. on 19,574 shares across 31 trades, broker 4, Stock Broker Opal Securities Investment Pvt. Limited on 18,330 shares across 25 trades, broker 35, Kohinoor Investment and Securities Pvt.Ltd on 13,087 shares across 17 trades, broker 67, Property Wizard Limited on 12,520 shares across 18 trades, broker 14, Nepal Stock House Pvt. Limited on 10,368 shares across 16 trades, broker 42, Sani Securities Company Limited on 9,327 shares across 24 trades and broker 44, Dynamic Money Managers Securities Pvt.Ltd on 6,390 shares across 7 trades.
Largest sellers by volume: broker 17, ABC Securities Pvt. Limited on 35,355 shares across 58 trades, broker 77, Nabil Stock Dealer Limited on 33,510 shares across 34 trades, broker 44, Dynamic Money Managers Securities Pvt.Ltd on 27,375 shares across 56 trades, broker 33, Dakshinkali Investment Securities Pvt.Limited on 19,222 shares across 52 trades, broker 4, Stock Broker Opal Securities Investment Pvt. Limited on 17,056 shares across 20 trades, broker 36, Secured Securities Limited on 11,520 shares across 7 trades, broker 82, N.M.B. Securities Limited on 10,877 shares across 24 trades, broker 71, Shubhakamana Securities Pvt. Ltd on 9,000 shares across 10 trades, broker 69, Index Securities Limited on 8,296 shares across 6 trades and broker 14, Nepal Stock House Pvt. Limited on 8,044 shares across 14 trades.
Sanima Bank Limited most recently declared a 10% cash dividend for 2082/2083, announced on 2026-09-04. 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 | 10% | 2026-09-04 | |
| 2081/2082 | 9% | 7.3685% | 2025-09-26 |
| 2080/2081 | 17% | 5.2632% | 2024-10-28 |
| 2079/2080 | 9% | 5.7% | 2023-09-25 |
| 2078/2079 | 10% | 0.98% | 2022-11-18 |
For 2082/2083 Sanima Bank Limited declared a 10% cash dividend, announced on 2026-09-04.
For 2081/2082 Sanima Bank Limited declared a 9% bonus share issue and a 7.3685% cash dividend, 16.3685% in total, announced on 2025-09-26.
For 2080/2081 Sanima Bank Limited declared a 17% bonus share issue and a 5.2632% cash dividend, 22.2632% in total, announced on 2024-10-28.
For 2079/2080 Sanima Bank Limited declared a 9% bonus share issue and a 5.7% cash dividend, 14.7% in total, announced on 2023-09-25.
For 2078/2079 Sanima Bank Limited declared a 10% bonus share issue and a 0.98% cash dividend, 10.98% in total, announced on 2022-11-18.
Annual and special general meetings Sanima Bank Limited has called. A dividend is declared by the board and approved at the AGM.
6 years of annual statements and 9 quarters of results for SANIMA, with charts and peer comparison, are free on NepView.
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