Saptakoshi Development Bank (SAPDBL) share price is Rs. 562.90, down 0.18% on 2026-10-12. Open Rs. 579.00. High Rs. 579.00. Low Rs. 555.00. Volume 12,551.
Saptakoshi Development Bank Ltd is a NEPSE-listed company (SAPDBL), Development Banks sector. Revenue: Rs. 27.78 Crore. Net profit: Rs. 15.05 Crore. Net worth: Rs. 55.55 Crore.
Saptakoshi Development Bank Limited is a Class 'B' development bank licensed by Nepal Rastra Bank, operating at provincial level in Koshi Province. It commenced operations on 2 October 2012. Its registered head office is at Dhankuta-7, Dhankuta, with the corporate office on Main Road, Biratnagar-7, Morang. The bank's present form results from its merger with Kabeli Bikas Bank Limited: the two signed a merger agreement in January 2019, received final Nepal Rastra Bank approval, and began joint transactions from Asadh 22, 2076 BS (July 2019) under the Saptakoshi Development Bank name, with the stated aim of qualifying as a provincial-level development bank. At the time of merger the combined entity had 28 branches across seven districts; branch listings now show around 36 branches in Morang, Sunsari, Jhapa, Ilam, Panchthar, Dhankuta and Terhathum. Business lines are deposit taking, lending and general banking services. Paid-up capital is about Rs 834 million across 8,343,385 listed shares, with promoters holding roughly 66 percent.
Saptakoshi Development Bank Ltd (SAPDBL) has 83,43,384 shares outstanding. It listed on NEPSE in 2019.
| Market Cap | Rs. 469.65 Crore |
|---|---|
| P/E Ratio | 58.11 |
| P/E Ratio (TTM) | 31.21 |
| EPS | Rs. 9.69 |
| EPS (TTM) | Rs. 18.04 |
| Book Value | Rs. 66.59 |
| Dividend Yield | 0.00% |
| Face Value | Rs. 100.00 |
| 52 Week High | Rs. 1,065.70 |
| 52 Week Low | Rs. 551.00 |
| Listed Since | 2019 |
What Saptakoshi Development Bank Ltd'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 Q4 2082/83 Saptakoshi Development Bank Ltd reported profit of Rs. 9.14 crore and total operating income of Rs. 9.35 crore. Profit in Q3 2082/83 was Rs. 3.22 crore. Profit grew 183.96% on the previous quarter. Total operating income grew 65.87% on the previous quarter. Profit in Q4 2081/82, the same quarter a year earlier, was Rs. 10.44 crore. Profit fell 12.42% on the same quarter last year. Total operating income grew 19.09% on the same quarter last year.
For the financial year 2082/83 Saptakoshi Development Bank Ltd reported net profit of Rs. 15.05 crore, total operating income of Rs. 27.78 crore and net worth of Rs. 55.55 crore. Net profit in 2081/82 was Rs. 8.08 crore. Net profit grew 86.18% on the year. Total operating income fell 2.79% on the year.
In the financial year 2082/83, Saptakoshi Development Bank Ltd reported net interest income of Rs. 23.34 crore, net fee and commission income of Rs. 4.24 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.2 crore, total operating income of Rs. 27.78 crore, impairment charge/(reversal) of Rs. 19.69 crore, net operating income of Rs. 47.47 crore, operating expenses of Rs. 22.68 crore, operating profit of Rs. 24.8 crore, non-operating income/(expense) of Rs. 3.3 crore, profit before income tax of Rs. 21.5 crore, income tax expense of Rs. 6.45 crore and profit for the year of Rs. 15.05 crore.
Reported under net interest income: interest income of Rs. 55.19 crore and interest expense of Rs. 31.84 crore. Reported under net fee and commission income: fee and commission income of Rs. 4.24 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 13.7 crore, other operating expenses of Rs. 7.76 crore and depreciation & amortisation of Rs. 1.22 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0 crore and non-operating expense of Rs. 3.3 crore. Reported under income tax expense: current tax of Rs. 6.45 crore and deferred tax of Rs. 0 crore.
In the financial year 2081/82, Saptakoshi Development Bank Ltd reported net interest income of Rs. 23.45 crore, net fee and commission income of Rs. 4.24 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.88 crore, total operating income of Rs. 28.58 crore, impairment charge/(reversal) of Rs. 4.08 crore, net operating income of Rs. 32.66 crore, operating expenses of Rs. 21.97 crore, operating profit of Rs. 10.69 crore, non-operating income/(expense) of Rs. 0.58 crore, profit before income tax of Rs. 10.1 crore, income tax expense of Rs. 2.02 crore and profit for the year of Rs. 8.08 crore.
Reported under net interest income: interest income of Rs. 59.56 crore and interest expense of Rs. 36.1 crore. Reported under net fee and commission income: fee and commission income of Rs. 4.24 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 13.66 crore, other operating expenses of Rs. 5.83 crore and depreciation & amortisation of Rs. 2.49 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0 crore and non-operating expense of Rs. 0.58 crore. Reported under income tax expense: current tax of Rs. 2.02 crore and deferred tax of Rs. 0 crore.
In the financial year 2080/81, Saptakoshi Development Bank Ltd reported net interest income of Rs. 16.49 crore, net fee and commission income of Rs. 3.04 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.04 crore, total operating income of Rs. 19.57 crore, impairment charge/(reversal) of Rs. 18.7 crore, net operating income of Rs. 0.87 crore, operating expenses of Rs. 20.72 crore, operating profit of Rs. 19.85 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 19.85 crore, income tax expense of Rs. 4.16 crore and profit for the year of Rs. 15.69 crore.
Reported under net interest income: interest income of Rs. 58.73 crore and interest expense of Rs. 42.25 crore. Reported under net fee and commission income: fee and commission income of Rs. 3.04 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 12.25 crore, other operating expenses of Rs. 5.76 crore and depreciation & amortisation of Rs. 2.7 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. 4.16 crore and deferred tax of Rs. 0 crore.
In the financial year 2081/82, Saptakoshi Development Bank Ltd reported total assets of Rs. 850.14 crore, total liabilities of Rs. 794.59 crore and total equity of Rs. 55.55 crore.
Reported under total assets: cash and cash equivalents of Rs. 139.81 crore, due from nepal rastra bank of Rs. 35.17 crore, placement with banks and fis of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, other trading assets of Rs. 0 crore, loans and advances to banks and fis of Rs. 44.17 crore, loans and advances to customers of Rs. 503.83 crore, investment securities of Rs. 63.14 crore, current tax assets of Rs. 2.48 crore, investment in associates of Rs. 0 crore, investment property of Rs. 17.96 crore, property and equipment of Rs. 12.29 crore, goodwill and intangible assets of Rs. 0.17 crore, deferred tax assets of Rs. 12.68 crore and other assets of Rs. 18.43 crore. Reported under total liabilities: due to banks and fis of Rs. 225.18 crore, due to nepal rastra bank of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, deposits from customers of Rs. 533.71 crore, borrowings of Rs. 0 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 35.7 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 83.43 crore, share premium of Rs. 0 crore, retained earnings of Rs. 62.41 crore, reserves of Rs. 34.53 crore and non controlling interest of Rs. 0 crore.
In the financial year 2080/81, Saptakoshi Development Bank Ltd reported total assets of Rs. 791.29 crore, total liabilities of Rs. 743.83 crore and total equity of Rs. 47.46 crore.
Reported under total assets: cash and cash equivalents of Rs. 129.07 crore, due from nepal rastra bank of Rs. 32.66 crore, placement with banks and fis of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, other trading assets of Rs. 0 crore, loans and advances to banks and fis of Rs. 25.95 crore, loans and advances to customers of Rs. 387.31 crore, investment securities of Rs. 159.45 crore, current tax assets of Rs. 2.31 crore, investment in associates of Rs. 0 crore, investment property of Rs. 8.25 crore, property and equipment of Rs. 13.57 crore, goodwill and intangible assets of Rs. 0.22 crore, deferred tax assets of Rs. 14.69 crore and other assets of Rs. 17.81 crore. Reported under total liabilities: due to banks and fis of Rs. 15 crore, due to nepal rastra bank of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, deposits from customers of Rs. 694.79 crore, borrowings of Rs. 0 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 34.03 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 83.43 crore, share premium of Rs. 0 crore, retained earnings of Rs. 66.3 crore, reserves of Rs. 30.33 crore and non controlling interest of Rs. 0 crore.
In the financial year 2079/80, Saptakoshi Development Bank Ltd reported total assets of Rs. 619.17 crore, total liabilities of Rs. 555.65 crore and total equity of Rs. 63.52 crore.
Reported under total assets: cash and cash equivalents of Rs. 100.07 crore, due from nepal rastra bank of Rs. 22.95 crore, placement with banks and fis of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, other trading assets of Rs. 0 crore, loans and advances to banks and fis of Rs. 5.21 crore, loans and advances to customers of Rs. 366.86 crore, investment securities of Rs. 78.56 crore, current tax assets of Rs. 2.29 crore, investment in associates of Rs. 0 crore, investment property of Rs. 0.25 crore, property and equipment of Rs. 15.55 crore, goodwill and intangible assets of Rs. 0.25 crore, deferred tax assets of Rs. 9.37 crore and other assets of Rs. 17.8 crore. Reported under total liabilities: due to banks and fis of Rs. 22.04 crore, due to nepal rastra bank of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, deposits from customers of Rs. 500.69 crore, borrowings of Rs. 0 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 32.92 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 83.43 crore, share premium of Rs. 0 crore, retained earnings of Rs. 41.54 crore, reserves of Rs. 21.62 crore and non controlling interest of Rs. 0 crore.
In the financial year 2081/82, Saptakoshi Development Bank Ltd reported net cash flow from operating activities (a) of Rs. 85.36 crore, net cash flow from investing activities (b) of Rs. 96.1 crore, net cash flow from financing activities (c) of Rs. 0 crore, net increase/(decrease) in cash and cash equivalents of Rs. 10.74 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 129.07 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. 139.81 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 59.6 crore, fees and other income received of Rs. 4.24 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0.03 crore, interest paid of Rs. 35.33 crore, commission and fees paid of Rs. 0 crore, cash payment to employees of Rs. 12.54 crore, other expense paid of Rs. 7.45 crore, operating cash flows before changes in operating assets and liabilities of Rs. 8.55 crore, due from nepal rastra bank of Rs. 2.51 crore, placement with banks and financial institutions of Rs. 0 crore, other trading assets of Rs. 0 crore, loan and advances to banks and financial institutions of Rs. 18.32 crore, loan and advances to customers of Rs. 122.22 crore, other assets of Rs. 0.62 crore, due to banks and financial institutions of Rs. 210.18 crore, due to nepal rastra bank of Rs. 0 crore, deposit from customers of Rs. 161.09 crore, borrowings of Rs. 0 crore, other liabilities of Rs. 0.85 crore, net cash flow from operating activities before tax paid of Rs. 49.93 crore and income taxes paid of Rs. 0.17 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 0 crore, receipts from sale of investment securities of Rs. 96.65 crore, purchase of property and equipment of Rs. 0.7 crore, receipt from sale of property and equipment of Rs. 0.03 crore, purchase of intangible assets of Rs. 0 crore, receipt from sale of intangible assets of Rs. 0 crore, purchase of investment properties of Rs. 0 crore, receipt from sale of investment properties of Rs. 0 crore, interest received of Rs. 0 crore and dividend received of Rs. 0.12 crore. Reported under net cash flow from financing activities (c): receipt from issue of debt securities of Rs. 0 crore, repayment of debt securities of Rs. 0 crore, receipt from issue of subordinated liabilities of Rs. 0 crore, repayment of subordinated liabilities of Rs. 0 crore, receipt from issue of shares of Rs. 0 crore, dividends paid of Rs. 0 crore, interest paid of Rs. 0 crore and other receipt/payment of Rs. 0 crore.
In the financial year 2080/81, Saptakoshi Development Bank Ltd reported net cash flow from operating activities (a) of Rs. 110.59 crore, net cash flow from investing activities (b) of Rs. 81.59 crore, net cash flow from financing activities (c) of Rs. 0 crore, net increase/(decrease) in cash and cash equivalents of Rs. 29 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 100.07 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. 129.07 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 61.46 crore, fees and other income received of Rs. 3.04 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0.1 crore, interest paid of Rs. 41.48 crore, commission and fees paid of Rs. 0 crore, cash payment to employees of Rs. 11.87 crore, other expense paid of Rs. 7.29 crore, operating cash flows before changes in operating assets and liabilities of Rs. 3.95 crore, due from nepal rastra bank of Rs. 9.71 crore, placement with banks and financial institutions of Rs. 0 crore, other trading assets of Rs. 0 crore, loan and advances to banks and financial institutions of Rs. 20.74 crore, loan and advances to customers of Rs. 39.14 crore, other assets of Rs. 16.05 crore, due to banks and financial institutions of Rs. 7.04 crore, due to nepal rastra bank of Rs. 0 crore, deposit from customers of Rs. 194.1 crore, borrowings of Rs. 0 crore, other liabilities of Rs. 1.08 crore, net cash flow from operating activities before tax paid of Rs. 188.14 crore and income taxes paid of Rs. 4.14 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 80.85 crore, receipts from sale of investment securities of Rs. 0 crore, purchase of property and equipment of Rs. 0.82 crore, receipt from sale of property and equipment of Rs. 0.03 crore, purchase of intangible assets of Rs. 0.02 crore, receipt from sale of intangible assets of Rs. 0 crore, purchase of investment properties of Rs. 0 crore, receipt from sale of investment properties of Rs. 0 crore, interest received of Rs. 0 crore and dividend received of Rs. 0.07 crore. Reported under net cash flow from financing activities (c): receipt from issue of debt securities of Rs. 0 crore, repayment of debt securities of Rs. 0 crore, receipt from issue of subordinated liabilities of Rs. 0 crore, repayment of subordinated liabilities of Rs. 0 crore, receipt from issue of shares of Rs. 0 crore, dividends paid of Rs. 0 crore, interest paid of Rs. 0 crore and other receipt/payment of Rs. 0 crore.
In the financial year 2079/80, Saptakoshi Development Bank Ltd reported net cash flow from operating activities (a) of Rs. 80.51 crore, net cash flow from investing activities (b) of Rs. 52.22 crore, net cash flow from financing activities (c) of Rs. 0 crore, net increase/(decrease) in cash and cash equivalents of Rs. 28.28 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 71.79 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. 100.07 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 57.76 crore, fees and other income received of Rs. 1.95 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0 crore, interest paid of Rs. 41.96 crore, commission and fees paid of Rs. 0 crore, cash payment to employees of Rs. 10.2 crore, other expense paid of Rs. 8.03 crore, operating cash flows before changes in operating assets and liabilities of Rs. 0.47 crore, due from nepal rastra bank of Rs. 6.11 crore, placement with banks and financial institutions of Rs. 0 crore, other trading assets of Rs. 0 crore, loan and advances to banks and financial institutions of Rs. 2.24 crore, loan and advances to customers of Rs. 28.04 crore, other assets of Rs. 4.98 crore, due to banks and financial institutions of Rs. 4.73 crore, due to nepal rastra bank of Rs. 6.46 crore, deposit from customers of Rs. 69.48 crore, borrowings of Rs. 0 crore, other liabilities of Rs. 0.58 crore, net cash flow from operating activities before tax paid of Rs. 57.71 crore and income taxes paid of Rs. 8.56 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 51.29 crore, receipts from sale of investment securities of Rs. 0 crore, purchase of property and equipment of Rs. 1.02 crore, receipt from sale of property and equipment of Rs. 0.02 crore, purchase of intangible assets of Rs. 0.01 crore, receipt from sale of intangible assets of Rs. 0 crore, purchase of investment properties of Rs. 0 crore, receipt from sale of investment properties of Rs. 0 crore, interest received of Rs. 0 crore and dividend received of Rs. 0.07 crore. Reported under net cash flow from financing activities (c): receipt from issue of debt securities of Rs. 0 crore, repayment of debt securities of Rs. 0 crore, receipt from issue of subordinated liabilities of Rs. 0 crore, repayment of subordinated liabilities of Rs. 0 crore, receipt from issue of shares of Rs. 0 crore, dividends paid of Rs. 0 crore, interest paid of Rs. 0 crore and other receipt/payment of Rs. 0 crore.
In the quarter Q4 2082/83, Saptakoshi Development Bank Ltd reported net interest income of Rs. 7.98 crore, net fee and commission income of Rs. 1.3 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.07 crore, total operating income of Rs. 9.35 crore, impairment charge/(reversal) of Rs. 11.4 crore, net operating income of Rs. 20.75 crore, operating expenses of Rs. 4.37 crore, operating profit of Rs. 16.39 crore, non-operating income/(expense) of Rs. 3.32 crore, profit before income tax of Rs. 13.06 crore, income tax expense of Rs. 3.92 crore and profit for the year of Rs. 9.14 crore.
Reported under net interest income: interest income of Rs. 16.35 crore and interest expense of Rs. 8.38 crore. Reported under net fee and commission income: fee and commission income of Rs. 1.3 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 4.61 crore, other operating expenses of Rs. 0.57 crore and depreciation & amortisation of Rs. 0.32 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.02 crore and non-operating expense of Rs. 3.3 crore. Reported under income tax expense: current tax of Rs. 3.92 crore and deferred tax of Rs. 0 crore.
In the quarter Q3 2082/83, Saptakoshi Development Bank Ltd reported net interest income of Rs. 4.57 crore, net fee and commission income of Rs. 1.04 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.03 crore, total operating income of Rs. 5.64 crore, impairment charge/(reversal) of Rs. 4.27 crore, net operating income of Rs. 9.91 crore, operating expenses of Rs. 5.32 crore, operating profit of Rs. 4.58 crore, non-operating income/(expense) of Rs. 0.02 crore, profit before income tax of Rs. 4.6 crore, income tax expense of Rs. 1.38 crore and profit for the year of Rs. 3.22 crore.
Reported under net interest income: interest income of Rs. 12.54 crore and interest expense of Rs. 7.97 crore. Reported under net fee and commission income: fee and commission income of Rs. 1.04 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 3.11 crore, other operating expenses of Rs. 1.91 crore and depreciation & amortisation of Rs. 0.3 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.02 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 1.38 crore and deferred tax of Rs. 0 crore.
In the quarter Q2 2082/83, Saptakoshi Development Bank Ltd reported net interest income of Rs. 4.29 crore, net fee and commission income of Rs. 0.97 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.03 crore, total operating income of Rs. 5.29 crore, impairment charge/(reversal) of Rs. 3.51 crore, net operating income of Rs. 8.8 crore, operating expenses of Rs. 4.85 crore, operating profit of Rs. 3.95 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 3.95 crore, income tax expense of Rs. 1.15 crore and profit for the year of Rs. 2.8 crore.
Reported under net interest income: interest income of Rs. 11.94 crore and interest expense of Rs. 7.65 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.97 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 2.83 crore, other operating expenses of Rs. 1.72 crore and depreciation & amortisation of Rs. 0.29 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. 1.15 crore and deferred tax of Rs. 0 crore.
In the quarter Q1 2082/83, Saptakoshi Development Bank Ltd reported net interest income of Rs. 6.5 crore, net fee and commission income of Rs. 0.93 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.08 crore, total operating income of Rs. 7.51 crore, impairment charge/(reversal) of Rs. 0.51 crore, net operating income of Rs. 8.02 crore, operating expenses of Rs. 8.14 crore, operating profit of Rs. 0.13 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 0.12 crore, income tax expense of Rs. 0 crore and profit for the year of Rs. 0.12 crore.
Reported under net interest income: interest income of Rs. 14.35 crore and interest expense of Rs. 7.85 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.93 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 3.14 crore, other operating expenses of Rs. 4.7 crore and depreciation & amortisation of Rs. 0.3 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 crore and deferred tax of Rs. 0 crore.
Values in Rs. Crore unless stated otherwise.
| Particulars | 2082/83 | 2081/82 | 2080/81 | 2079/80 | 2078/79 | 2077/78 |
|---|---|---|---|---|---|---|
| Net Interest Income | 23.3 | 23.5 | 16.5 | 18.0 | 22.3 | 21.6 |
| Interest Income | 55.2 | 59.6 | 58.7 | 60.8 | 54.1 | 44.8 |
| Interest Expense | -31.8 | -36.1 | -42.2 | -42.8 | -31.8 | -23.2 |
| Net Fee and Commission Income | 4.2 | 4.2 | 3.0 | 2.0 | 2.2 | 3.4 |
| Fee and Commission Income | 4.2 | 4.2 | 3.0 | 2.0 | 2.2 | 3.4 |
| Fee and Commission Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Trading Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Operating Income | 0.20 | 0.88 | 0.04 | 0.07 | 0.40 | 0.25 |
| Total Operating Income | 27.8 | 28.6 | 19.6 | 20.1 | 24.8 | 25.2 |
| Impairment Charge/(Reversal) | 19.7 | 4.1 | -18.7 | -24.8 | -8.2 | -3.4 |
| Net Operating Income | 47.5 | 32.7 | 0.87 | -4.8 | 16.7 | 21.9 |
| Operating Expenses | -22.7 | -22.0 | -20.7 | -20.9 | -19.4 | -30.9 |
| Operating Expense - Personnel Expenses | -13.7 | -13.7 | -12.3 | -11.3 | -9.5 | -8.8 |
| Other Operating Expenses | -7.8 | -5.8 | -5.8 | -6.6 | -6.9 | -20.3 |
| Depreciation & Amortisation | -1.2 | -2.5 | -2.7 | -2.9 | -3.1 | -1.8 |
| Operating Profit | 24.8 | 10.7 | -19.8 | -25.6 | -2.7 | -9.1 |
| Non-Operating Income/(Expense) | -3.3 | -0.58 | 0.00 | 0.00 | 0.00 | 0.00 |
| Non-Operating Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Non-Operating Expense | -3.3 | -0.58 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit Before Income Tax | 21.5 | 10.1 | -19.8 | -25.6 | -2.7 | -9.1 |
| Income Tax Expense | -6.4 | -2.0 | 4.2 | 7.3 | 0.34 | -1.5 |
| Current Tax | -6.4 | -2.0 | 4.2 | -1.2 | 0.34 | -1.5 |
| Deferred Tax | 0.00 | 0.00 | 0.00 | 8.4 | 0.00 | 0.00 |
| Profit for the Year | 15.0 | 8.1 | -15.7 | -18.3 | -2.4 | -10.6 |
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 | 2077/78 | 2076/77 |
|---|---|---|---|---|---|---|
| Total Assets | 850 | 791 | 619 | 578 | 572 | 470 |
| Cash and Cash Equivalents | 140 | 129 | 100 | 71.8 | 112 | 151 |
| Due from Nepal Rastra Bank | 35.2 | 32.7 | 23.0 | 16.8 | 17.7 | 23.2 |
| Placement with Banks and FIs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Derivative Financial Instruments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Trading Assets | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Loans and Advances to Banks and FIs | 44.2 | 26.0 | 5.2 | 3.0 | 0.00 | 1.6 |
| Loans and Advances to Customers | 504 | 387 | 367 | 420 | 394 | 280 |
| Investment Securities | 63.1 | 159 | 78.6 | 26.9 | 20.0 | 0.47 |
| Current Tax Assets | 2.5 | 2.3 | 2.3 | 3.6 | 2.5 | 3.2 |
| Investment in Associates | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investment Property | 18.0 | 8.3 | 0.25 | 0.25 | 0.25 | 0.25 |
| Property and Equipment | 12.3 | 13.6 | 15.5 | 16.7 | 8.2 | 7.5 |
| Goodwill and Intangible Assets | 0.17 | 0.22 | 0.25 | 0.31 | 0.29 | 0.29 |
| Deferred Tax Assets | 12.7 | 14.7 | 9.4 | 1.0 | 0.69 | 0.61 |
| Other Assets | 18.4 | 17.8 | 17.8 | 18.1 | 16.6 | 1.0 |
| Total Liabilities | 795 | 744 | 556 | 497 | 488 | 375 |
| Due to Banks and FIs | 225 | 15.0 | 22.0 | 26.8 | 14.0 | 26.2 |
| Due to Nepal Rastra Bank | 0.00 | 0.00 | 0.00 | 6.5 | 2.3 | 0.00 |
| Derivative Financial Instruments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Deposits from Customers | 534 | 695 | 501 | 431 | 450 | 340 |
| Borrowings | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Current Tax Liabilities | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Provisions | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Deferred Tax Liabilities | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Liabilities | 35.7 | 34.0 | 32.9 | 32.1 | 22.0 | 8.9 |
| Debt Securities Issued | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Subordinated Liabilities | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 55.6 | 47.5 | 63.5 | 81.6 | 84.0 | 94.4 |
| Share Capital | 83.4 | 83.4 | 83.4 | 83.4 | 83.4 | 83.4 |
| Share Premium | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Retained Earnings | -62.4 | -66.3 | -41.5 | -12.8 | -8.1 | 3.0 |
| Reserves | 34.5 | 30.3 | 21.6 | 11.0 | 8.6 | 8.0 |
| Non Controlling Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
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) | -85.4 | 111 | 80.5 | -31.3 | -17.7 | 72.5 |
| Interest Received | 59.6 | 61.5 | 57.8 | 51.3 | 46.3 | 42.5 |
| Fees and Other Income Received | 4.2 | 3.0 | 2.0 | 2.2 | 3.4 | 2.6 |
| Dividend Received | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Receipts from Other Operating Activities | 0.03 | 0.10 | 0.00 | 0.13 | 0.23 | 0.08 |
| Interest Paid | -35.3 | -41.5 | -42.0 | -31.8 | -23.2 | -22.6 |
| Commission and Fees Paid | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash Payment to Employees | -12.5 | -11.9 | -10.2 | -8.4 | -8.0 | -7.3 |
| Other Expense Paid | -7.5 | -7.3 | -8.0 | -5.8 | -5.9 | -5.4 |
| Operating Cash Flows Before Changes in Operating Assets and Liabilities | 8.6 | 4.0 | -0.47 | 7.5 | 12.8 | 9.8 |
| Due from Nepal Rastra Bank | -2.5 | -9.7 | -6.1 | 0.91 | 5.4 | -8.0 |
| Placement with Banks and Financial Institutions | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Trading Assets | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Loan and Advances to Banks and Financial Institutions | -18.3 | -20.7 | -2.2 | -3.0 | 1.6 | 1.3 |
| Loan and Advances to Customers | -122 | -39.1 | 28.0 | -30.9 | -119 | -29.7 |
| Other Assets | -0.62 | -16.1 | -5.0 | -1.8 | -15.7 | 7.5 |
| Due to Banks and Financial Institutions | 210 | -7.0 | -4.7 | 12.8 | -12.3 | 10.6 |
| Due to Nepal Rastra Bank | 0.00 | 0.00 | -6.5 | 4.2 | 2.3 | 0.00 |
| Deposit from Customers | -161 | 194 | 69.5 | -18.5 | 110 | 84.0 |
| Borrowings | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Liabilities | 0.85 | 1.1 | -0.58 | -1.6 | -1.9 | 1.7 |
| Net Cash Flow from Operating Activities Before Tax Paid | 49.9 | 188 | 57.7 | -3.2 | 97.7 | 96.3 |
| Income Taxes Paid | -0.17 | 4.1 | 8.6 | -0.70 | -0.88 | -4.7 |
| Net Cash Flow from Investing Activities (B) | 96.1 | -81.6 | -52.2 | -8.6 | -22.0 | -2.9 |
| Purchase of Investment Securities | 0.00 | -80.8 | -51.3 | -6.9 | -19.5 | -0.24 |
| Receipts from Sale of Investment Securities | 96.7 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Purchase of Property and Equipment | -0.70 | -0.82 | -1.0 | -2.1 | -2.5 | -2.9 |
| Receipt from Sale of Property and Equipment | 0.03 | 0.03 | 0.02 | 0.50 | 0.00 | 0.27 |
| Purchase of Intangible Assets | 0.00 | -0.02 | -0.01 | -0.09 | -0.07 | -0.01 |
| Receipt from Sale of Intangible Assets | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Purchase of Investment Properties | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Receipt from Sale of Investment Properties | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest Received | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Dividend Received | 0.12 | 0.07 | 0.07 | 0.07 | 0.02 | 0.01 |
| Net Cash Flow from Financing Activities (C) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Receipt from Issue of Debt Securities | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Repayment of Debt Securities | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Receipt from Issue of Subordinated Liabilities | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Repayment of Subordinated Liabilities | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Receipt from Issue of Shares | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Dividends Paid | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest Paid | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Receipt/Payment | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Increase/(Decrease) in Cash and Cash Equivalents | 10.7 | 29.0 | 28.3 | -39.8 | -39.7 | 69.6 |
| Cash and Cash Equivalents at Shrawan 01 (Beginning of the Year) | 129 | 100 | 71.8 | 112 | 151 | 81.7 |
| Effect of Exchange Rate Fluctuations on Cash and Cash Equivalents Held | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash and Cash Equivalents at Ashadh End | 140 | 129 | 100 | 71.8 | 112 | 151 |
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 | 8.0 | 4.6 | 4.3 | 6.5 | 5.4 | 6.4 | 6.5 | 4.4 | 6.5 | 4.5 | 4.6 | 2.4 |
| Interest Income | 16.4 | 12.5 | 11.9 | 14.3 | 13.6 | 14.5 | 15.5 | 14.5 | 17.3 | 14.6 | 14.7 | 12.8 |
| Interest Expense | -8.4 | -8.0 | -7.6 | -7.8 | -8.1 | -8.1 | -9.0 | -10.1 | -10.8 | -10.1 | -10.1 | -10.4 |
| Net Fee and Commission Income | 1.3 | 1.0 | 0.97 | 0.93 | 2.4 | 0.72 | 1.00 | 1.1 | 1.2 | 0.54 | 0.48 | 0.78 |
| Fee and Commission Income | 1.3 | 1.0 | 0.97 | 0.93 | 2.4 | 0.72 | 1.00 | 1.1 | 1.2 | 0.54 | 0.48 | 0.78 |
| Fee and Commission Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Trading Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Operating Income | 0.07 | 0.03 | 0.03 | 0.08 | 0.02 | 0.03 | 0.10 | 0.01 | 0.06 | 0.04 | 0.06 | 0.02 |
| Total Operating Income | 9.3 | 5.6 | 5.3 | 7.5 | 7.8 | 7.2 | 7.6 | 5.5 | 7.8 | 5.0 | 5.1 | 3.2 |
| Impairment Charge/(Reversal) | 11.4 | 4.3 | 3.5 | 0.51 | 13.2 | -2.5 | 2.6 | -9.1 | 9.5 | 3.9 | -0.73 | -10.3 |
| Net Operating Income | 20.8 | 9.9 | 8.8 | 8.0 | 21.0 | 4.7 | 10.3 | -3.6 | 17.3 | 9.0 | 4.4 | -7.2 |
| Operating Expenses | -4.4 | -5.3 | -4.8 | -8.1 | -7.3 | -4.5 | -4.5 | -5.2 | -6.6 | -4.4 | -4.4 | -4.8 |
| Operating Expense - Personnel Expenses | -4.6 | -3.1 | -2.8 | -3.1 | -4.0 | -2.5 | -2.3 | -3.0 | -3.4 | -2.4 | -2.6 | -2.8 |
| Other Operating Expenses | 0.57 | -1.9 | -1.7 | -4.7 | -2.9 | -1.7 | -1.8 | -1.9 | -2.7 | -1.6 | -1.4 | -1.6 |
| Depreciation & Amortisation | -0.32 | -0.30 | -0.29 | -0.30 | -0.36 | -0.32 | -0.32 | -0.33 | -0.48 | -0.39 | -0.38 | -0.38 |
| Operating Profit | 16.4 | 4.6 | 4.0 | -0.13 | 13.7 | 0.21 | 5.8 | -8.8 | 10.7 | 4.6 | 0.00 | -11.9 |
| Non-Operating Income/(Expense) | -3.3 | 0.02 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -0.13 | 0.00 | 0.00 | 0.00 |
| Non-Operating Income | -0.02 | 0.02 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -0.13 | 0.00 | 0.00 | 0.00 |
| Non-Operating Expense | -3.3 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit Before Income Tax | 13.1 | 4.6 | 4.0 | -0.12 | 13.7 | 0.21 | 5.8 | -8.8 | 10.5 | 4.6 | 0.00 | -11.9 |
| Income Tax Expense | -3.9 | -1.4 | -1.1 | 0.00 | -3.3 | 0.00 | 0.00 | 0.00 | -0.97 | 0.00 | 0.00 | 0.00 |
| Current Tax | -3.9 | -1.4 | -1.1 | 0.00 | -3.3 | 0.00 | 0.00 | 0.00 | -0.97 | 0.00 | 0.00 | 0.00 |
| Deferred Tax | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit for the Year | 9.1 | 3.2 | 2.8 | -0.12 | 10.4 | 0.21 | 5.8 | -8.8 | 9.6 | 4.6 | 0.00 | -11.9 |
Over the last 15 trading sessions SAPDBL closed between Rs. 562.90 and Rs. 628.00, finishing at Rs. 562.90 on 2026-10-12 against Rs. 626.00 on 2026-09-18.
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| 2026-10-12 | 579.00 | 579.00 | 555.00 | 562.90 | 12,551 |
| 2026-10-09 | 552.00 | 580.00 | 551.00 | 563.90 | 13,783 |
| 2026-10-08 | 585.00 | 585.00 | 556.00 | 565.00 | 12,540 |
| 2026-10-07 | 598.00 | 598.00 | 567.00 | 570.00 | 15,304 |
| 2026-10-06 | 602.00 | 605.00 | 583.00 | 584.00 | 4,256 |
| 2026-10-05 | 598.00 | 602.00 | 580.10 | 585.00 | 12,064 |
| 2026-10-02 | 594.00 | 625.00 | 591.00 | 597.50 | 24,472 |
| 2026-10-01 | 619.70 | 619.70 | 588.00 | 600.00 | 10,277 |
| 2026-09-30 | 556.70 | 612.00 | 556.70 | 590.20 | 19,285 |
| 2026-09-29 | 619.50 | 619.50 | 575.30 | 586.00 | 25,987 |
| 2026-09-28 | 635.20 | 635.20 | 587.00 | 590.00 | 26,102 |
| 2026-09-24 | 612.00 | 617.00 | 600.00 | 605.00 | 13,985 |
| 2026-09-23 | 659.00 | 659.00 | 605.00 | 606.00 | 35,114 |
| 2026-09-22 | 636.00 | 641.90 | 620.00 | 628.00 | 12,403 |
| 2026-09-18 | 670.00 | 670.00 | 620.00 | 626.00 | 21,445 |
2026, between Rs. 551.00 and Rs. 1,065.70, 2025, between Rs. 686.00 and Rs. 1,622.70, 2024, between Rs. 237.00 and Rs. 1,180.00, 2023, between Rs. 211.70 and Rs. 305.00, 2022, between Rs. 178.10 and Rs. 410.00 and 2021, between Rs. 138.00 and Rs. 540.00.
| Year | Low (Rs.) | High (Rs.) | Sessions |
|---|---|---|---|
| 2026 | 551.00 | 1,065.70 | 181 |
| 2025 | 686.00 | 1,622.70 | 225 |
| 2024 | 237.00 | 1,180.00 | 232 |
| 2023 | 211.70 | 305.00 | 227 |
| 2022 | 178.10 | 410.00 | 242 |
| 2021 | 138.00 | 540.00 | 239 |
| 2020 | 103.31 | 181.02 | 179 |
| 2019 | 110.20 | 138.65 | 51 |
At Rs. 562.90 on 2026-10-12, SAPDBL is down 3.78% over 1 week, down 11.35% over 1 month, down 21.82% over 3 months, down 35.28% over 6 months, down 30.51% over 1 year and up 58.56% 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 | -3.78% | 585.00 | 2026-10-05 |
| 1 month | -11.35% | 635.00 | 2026-09-11 |
| 3 months | -21.82% | 720.00 | 2026-07-14 |
| 6 months | -35.28% | 869.70 | 2026-04-15 |
| 1 year | -30.51% | 810.00 | 2025-10-12 |
| 5 years | +58.56% | 355.00 | 2021-10-11 |
SAPDBL traded 117 times on 2026-10-12, moving 12,551 shares for Rs. 0.7 crore of turnover. Trades went through between Rs. 555.00 and Rs. 579.00.
Largest buyers by volume: broker 35, Kohinoor Investment and Securities Pvt.Ltd on 2,979 shares across 19 trades, broker 46, Kalika Securities Pvt.Limited on 2,000 shares across 9 trades, broker 58, Naasa Securities Co. Ltd. on 1,080 shares across 7 trades, broker 49, Online Securities Limited on 1,055 shares across 7 trades, broker 32, Premier Securites Company Limited on 800 shares across 6 trades, broker 84, Milky Way Share Broker Company Ltd on 710 shares across 10 trades, broker 34, Vision Securities Pvt.Limited on 558 shares across 6 trades, broker 99, Prabhu Stock Market Limited on 456 shares across 2 trades, broker 26, Asian Securities Pvt. Limited on 400 shares across 1 trades and broker 36, Secured Securities Limited on 300 shares across 4 trades.
Largest sellers by volume: broker 17, ABC Securities Pvt. Limited on 2,630 shares across 24 trades, broker 58, Naasa Securities Co. Ltd. on 1,358 shares across 10 trades, broker 26, Asian Securities Pvt. Limited on 900 shares across 6 trades, broker 22, Siprabi Securities Pvt. Limited on 854 shares across 1 trades, broker 46, Kalika Securities Pvt.Limited on 735 shares across 4 trades, broker 52, Sundhara Securities Limited on 650 shares across 8 trades, broker 99, Prabhu Stock Market Limited on 631 shares across 4 trades, broker 74, Kalash Stock Market Pvt. Ltd. on 629 shares across 6 trades, broker 42, Sani Securities Company Limited on 610 shares across 9 trades and broker 57, Arya Tara Investment And Securities Pvt. Ltd. on 577 shares across 4 trades.
Annual and special general meetings Saptakoshi Development Bank Ltd has called. A dividend is declared by the board and approved at the AGM.
6 years of annual statements and 12 quarters of results for SAPDBL, with charts and peer comparison, are free on NepView.
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