Nepal SBI Bank Limited (SBI) Share Price & Fundamentals
Nepal SBI Bank (SBI) share price is Rs. 408.80, up 0.57% on 2026-09-22. Open Rs. 409.00. High Rs. 410.00. Low Rs. 407.00. Volume 31,928.
Nepal SBI Bank Limited is a NEPSE-listed company (SBI), Commercial Banks sector. Revenue: Rs. 719.06 Crore. Net profit: Rs. 204.88 Crore. Net worth: Rs. 2,072.12 Crore.
About Nepal SBI Bank Limited
Nepal SBI Bank Limited (NSBL) is a joint venture commercial bank established in 1993, with State Bank of India as its principal promoter holding a significant equity stake. NSBL offers a wide range of banking and financial services to retail, corporate, and SME clients across Nepal through its growing branch network. As one of Nepal's oldest joint-venture banks, NSBL is known for its strong parentage, sound asset quality, and consistent profitability. The bank is listed on the Nepal Stock Exchange (NEPSE) and has both Group and Bank financial statements due to its subsidiary structure.
Nepal SBI Bank Limited (SBI) has 11,33,51,244 shares outstanding. It listed on NEPSE in 1993. Its most recent declared dividend was 5.00% on face value.
SBI key metrics
SBI strengths
What Nepal SBI Bank Limited's own accounts show in its favour, graded against the rest of its sector.
- Lends out 67.7% of deposits, comfortably within the 90% Nepal Rastra Bank allows. (Liquidity & Funding)
- 94% of its funding comes from customer deposits, which are cheap and stable. (Liquidity & Funding)
- 18.5% of income comes from fees and commissions, so it does not depend on lending alone. (Margins & Income Quality)
- Profit grew 11.3% on last year. (Growth)
- Loans are 58% of what the bank owns, a balanced mix alongside other assets. (Asset Quality)
- Turns 28.5% of its income into profit once every cost is paid. (Profitability)
- Keeps 40.6% of income as profit from everyday banking, before tax. (Profitability)
- Customer deposits grew 13.8% on last year, giving it more cheap money to lend. (Growth)
- Each share is backed by Rs 182.81 of the bank's own net worth. (Shareholder Returns)
- 74.3% of income comes from lending, which is steady and predictable. (Margins & Income Quality)
- The bank grew 11.5% bigger over the year. (Shareholder Returns)
SBI 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 8.9%, 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)
- Income from lending moved 1.2%, so the core business is not growing. (Growth)
- 13.1% of income is lost to loans going bad, which eats directly into profit. (Asset Quality)
- Staff costs take 30.6% of income, a heavy load on earnings. (Efficiency)
- Only 8.9% of what it owns belongs to shareholders, so there is less cushion for losses. (Capital Strength)
- Each share produced Rs 18.07 over the year. (Shareholder Returns)
- Owns 11.24x for every rupee shareholders put in. A high multiple magnifies losses as well as gains. (Capital Strength)
- The loan book moved 7.1%, so lending is not expanding. (Growth)
- Total income moved 4.6% on last year. (Growth)
- Only 7.2% of income comes from outside interest, so a change in rates hits hard. (Margins & Income Quality)
SBI Q4 2082/83 results
In Q4 2082/83 Nepal SBI Bank Limited reported profit of Rs. 57.85 crore and total operating income of Rs. 185.79 crore. Profit in Q3 2082/83 was Rs. 43.52 crore. Profit grew 32.95% on the previous quarter. Total operating income grew 5.23% on the previous quarter. Profit in Q4 2081/82, the same quarter a year earlier, was Rs. 60.86 crore. Profit fell 4.93% on the same quarter last year. Total operating income fell 14.24% on the same quarter last year.
SBI annual results 2082/83
For the financial year 2082/83 Nepal SBI Bank Limited reported net profit of Rs. 204.88 crore, total operating income of Rs. 719.06 crore and net worth of Rs. 2,072.12 crore. Net profit in 2081/82 was Rs. 184.04 crore. Net profit grew 11.32% on the year. Total operating income grew 4.61% on the year.
SBI profit and loss for 2082/83
In the financial year 2082/83, Nepal SBI Bank Limited reported net interest income of Rs. 534.46 crore, net fee and commission income of Rs. 132.96 crore, net trading income of Rs. 32.18 crore, other operating income of Rs. 19.45 crore, total operating income of Rs. 719.06 crore, impairment charge/(reversal) of Rs. 94.01 crore, net operating income of Rs. 625.05 crore, operating expenses of Rs. 332.84 crore, operating profit of Rs. 292.21 crore, non-operating income/(expense) of Rs. 2.47 crore, profit before income tax of Rs. 289.74 crore, income tax expense of Rs. 84.86 crore and profit for the year of Rs. 204.88 crore.
Reported under net interest income: interest income of Rs. 1,449.06 crore and interest expense of Rs. 914.59 crore. Reported under net fee and commission income: fee and commission income of Rs. 151.51 crore and fee and commission expense of Rs. 18.55 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 220.3 crore, other operating expenses of Rs. 80.22 crore and depreciation & amortisation of Rs. 32.32 crore. Reported under non-operating income/(expense): non-operating income of Rs. 1.86 crore and non-operating expense of Rs. 4.33 crore. Reported under income tax expense: current tax of Rs. 89.06 crore and deferred tax of Rs. 4.2 crore.
SBI profit and loss for 2081/82
In the financial year 2081/82, Nepal SBI Bank Limited reported net interest income of Rs. 528.23 crore, net fee and commission income of Rs. 125.14 crore, net trading income of Rs. 27.8 crore, other operating income of Rs. 6.19 crore, total operating income of Rs. 687.37 crore, impairment charge/(reversal) of Rs. 103.05 crore, net operating income of Rs. 584.32 crore, operating expenses of Rs. 305.54 crore, operating profit of Rs. 278.78 crore, non-operating income/(expense) of Rs. 2.38 crore, profit before income tax of Rs. 276.4 crore, income tax expense of Rs. 92.36 crore and profit for the year of Rs. 184.04 crore.
Reported under net interest income: interest income of Rs. 1,547.32 crore and interest expense of Rs. 1,019.09 crore. Reported under net fee and commission income: fee and commission income of Rs. 140.69 crore and fee and commission expense of Rs. 15.55 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 200.41 crore, other operating expenses of Rs. 76.58 crore and depreciation & amortisation of Rs. 28.55 crore. Reported under non-operating income/(expense): non-operating income of Rs. 4.18 crore and non-operating expense of Rs. 6.55 crore. Reported under income tax expense: current tax of Rs. 94.4 crore and deferred tax of Rs. 2.04 crore.
SBI profit and loss for 2080/81
In the financial year 2080/81, Nepal SBI Bank Limited reported net interest income of Rs. 509.59 crore, net fee and commission income of Rs. 115.99 crore, net trading income of Rs. 16.56 crore, other operating income of Rs. 4.29 crore, total operating income of Rs. 646.43 crore, impairment charge/(reversal) of Rs. 64.83 crore, net operating income of Rs. 581.6 crore, operating expenses of Rs. 294.94 crore, operating profit of Rs. 286.66 crore, non-operating income/(expense) of Rs. 2.34 crore, profit before income tax of Rs. 289 crore, income tax expense of Rs. 87.14 crore and profit for the year of Rs. 201.86 crore.
Reported under net interest income: interest income of Rs. 1,789.76 crore and interest expense of Rs. 1,280.17 crore. Reported under net fee and commission income: fee and commission income of Rs. 130 crore and fee and commission expense of Rs. 14.02 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 198.67 crore, other operating expenses of Rs. 69.64 crore and depreciation & amortisation of Rs. 26.63 crore. Reported under non-operating income/(expense): non-operating income of Rs. 2.34 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 88.91 crore and deferred tax of Rs. 1.77 crore.
SBI balance sheet for 2081/82
In the financial year 2081/82, Nepal SBI Bank Limited reported total assets of Rs. 23,282.83 crore, total liabilities of Rs. 21,210.71 crore and total equity of Rs. 2,072.12 crore.
Reported under total assets: cash and cash equivalents of Rs. 2,968.76 crore, due from nepal rastra bank of Rs. 866.61 crore, placement with banks and fis of Rs. 1,736.46 crore, derivative financial instruments of Rs. 0 crore, other trading assets of Rs. 18.82 crore, loans and advances to banks and fis of Rs. 661.24 crore, loans and advances to customers of Rs. 13,496.38 crore, investment securities of Rs. 3,003.82 crore, current tax assets of Rs. 29.58 crore, investment in subsidiaries of Rs. 0 crore, investment property of Rs. 93.13 crore, property and equipment of Rs. 128.6 crore, goodwill and intangible assets of Rs. 3.75 crore, deferred tax assets of Rs. 45.8 crore and other assets of Rs. 229.88 crore. Reported under total liabilities: due to banks and fis of Rs. 240.87 crore, due to nepal rastra bank of Rs. 0 crore, derivative financial instruments of Rs. 2.09 crore, deposits from customers of Rs. 19,944.75 crore, borrowings of Rs. 0 crore, other liabilities of Rs. 438.48 crore and debt securities issued of Rs. 584.53 crore. Reported under total equity: share capital of Rs. 1,089.92 crore, retained earnings of Rs. 133.37 crore and reserves of Rs. 848.83 crore.
SBI balance sheet for 2080/81
In the financial year 2080/81, Nepal SBI Bank Limited reported total assets of Rs. 20,874.9 crore, total liabilities of Rs. 18,916.51 crore and total equity of Rs. 1,958.39 crore.
Reported under total assets: cash and cash equivalents of Rs. 1,121.73 crore, due from nepal rastra bank of Rs. 967.28 crore, placement with banks and fis of Rs. 276.68 crore, derivative financial instruments of Rs. 0.16 crore, other trading assets of Rs. 19.41 crore, loans and advances to banks and fis of Rs. 626.59 crore, loans and advances to customers of Rs. 12,597.91 crore, investment securities of Rs. 4,783.31 crore, current tax assets of Rs. 51.18 crore, investment in subsidiaries of Rs. 0 crore, investment property of Rs. 32.42 crore, property and equipment of Rs. 130.01 crore, goodwill and intangible assets of Rs. 0.93 crore, deferred tax assets of Rs. 44.44 crore and other assets of Rs. 222.83 crore. Reported under total liabilities: due to banks and fis of Rs. 373.01 crore, due to nepal rastra bank of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, deposits from customers of Rs. 17,532.02 crore, borrowings of Rs. 0 crore, other liabilities of Rs. 427.12 crore and debt securities issued of Rs. 584.36 crore. Reported under total equity: share capital of Rs. 1,050.02 crore, retained earnings of Rs. 121.18 crore and reserves of Rs. 787.19 crore.
SBI balance sheet for 2079/80
In the financial year 2079/80, Nepal SBI Bank Limited reported total assets of Rs. 18,580.74 crore, total liabilities of Rs. 16,743.23 crore and total equity of Rs. 1,837.52 crore.
Reported under total assets: cash and cash equivalents of Rs. 1,223.59 crore, due from nepal rastra bank of Rs. 838.54 crore, placement with banks and fis of Rs. 504.42 crore, derivative financial instruments of Rs. 0.35 crore, other trading assets of Rs. 10.71 crore, loans and advances to banks and fis of Rs. 562.16 crore, loans and advances to customers of Rs. 11,630.23 crore, investment securities of Rs. 3,387.87 crore, current tax assets of Rs. 54.15 crore, investment in subsidiaries of Rs. 0 crore, investment property of Rs. 0 crore, property and equipment of Rs. 130.44 crore, goodwill and intangible assets of Rs. 0.87 crore, deferred tax assets of Rs. 38.24 crore and other assets of Rs. 199.16 crore. Reported under total liabilities: due to banks and fis of Rs. 400.97 crore, due to nepal rastra bank of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, deposits from customers of Rs. 15,056.3 crore, borrowings of Rs. 401.79 crore, other liabilities of Rs. 421.46 crore and debt securities issued of Rs. 462.7 crore. Reported under total equity: share capital of Rs. 1,012.06 crore, retained earnings of Rs. 116.33 crore and reserves of Rs. 709.12 crore.
SBI cash flow for 2081/82
In the financial year 2081/82, Nepal SBI Bank Limited reported net cash flow from operating activities (a) of Rs. 213.26 crore, net cash flow from investing activities (b) of Rs. 1,763.93 crore, net cash flow from financing activities (c) of Rs. 130.16 crore, net increase/(decrease) in cash and cash equivalents of Rs. 1,847.03 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 1,121.73 crore and cash and cash equivalents at ashadh end of Rs. 2,968.76 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 1,542.81 crore, fees and other income received of Rs. 171.41 crore, dividend received of Rs. 0.79 crore, receipts from other operating activities of Rs. 5.99 crore, interest paid of Rs. 961.2 crore, commission and fees paid of Rs. 15.55 crore, cash payment to employees of Rs. 195.9 crore, other expense paid of Rs. 177.54 crore, operating cash flows before changes in operating assets and liabilities of Rs. 370.81 crore, due from nepal rastra bank of Rs. 100.67 crore, placement with banks and financial institutions of Rs. 1,459.77 crore, other trading assets of Rs. 1.09 crore, loan and advances to banks and financial institutions of Rs. 33.72 crore, loan and advances to customers of Rs. 1,002.45 crore, other assets of Rs. 59.1 crore, due to banks and financial institutions of Rs. 132.15 crore, due to nepal rastra bank of Rs. 0 crore, deposit from customers of Rs. 2,412.73 crore, borrowings of Rs. 0 crore and other liabilities of Rs. 15.15 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 1,780.57 crore, receipts from sale of investment securities of Rs. 0 crore, purchase of property and equipment of Rs. 15.2 crore, receipt from sale of property and equipment of Rs. 2.05 crore and purchase of intangible assets of Rs. 3.49 crore. Reported under net cash flow from financing activities (c): receipt from issue of debt securities of Rs. 0.17 crore, repayment of debt securities of Rs. 0 crore, dividends paid of Rs. 72.43 crore, interest paid of Rs. 57.89 crore and other receipt/payment of Rs. 0 crore.
SBI cash flow for 2080/81
In the financial year 2080/81, Nepal SBI Bank Limited reported net cash flow from operating activities (a) of Rs. 1,325.63 crore, net cash flow from investing activities (b) of Rs. 1,420.01 crore, net cash flow from financing activities (c) of Rs. 7.48 crore, net increase/(decrease) in cash and cash equivalents of Rs. 101.86 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 1,223.59 crore and cash and cash equivalents at ashadh end of Rs. 1,121.73 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 1,779.22 crore, fees and other income received of Rs. 147.9 crore, dividend received of Rs. 0.79 crore, receipts from other operating activities of Rs. 4.09 crore, interest paid of Rs. 1,222.58 crore, commission and fees paid of Rs. 14.02 crore, cash payment to employees of Rs. 188.13 crore, other expense paid of Rs. 158.55 crore, operating cash flows before changes in operating assets and liabilities of Rs. 348.72 crore, due from nepal rastra bank of Rs. 128.73 crore, placement with banks and financial institutions of Rs. 227.74 crore, other trading assets of Rs. 8.49 crore, loan and advances to banks and financial institutions of Rs. 64.59 crore, loan and advances to customers of Rs. 1,032.35 crore, other assets of Rs. 66.08 crore, due to banks and financial institutions of Rs. 27.96 crore, due to nepal rastra bank of Rs. 0 crore, deposit from customers of Rs. 2,475.71 crore, borrowings of Rs. 401.79 crore and other liabilities of Rs. 3.46 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 1,407.09 crore, receipts from sale of investment securities of Rs. 0 crore, purchase of property and equipment of Rs. 21.79 crore, receipt from sale of property and equipment of Rs. 9.24 crore and purchase of intangible assets of Rs. 0.37 crore. Reported under net cash flow from financing activities (c): receipt from issue of debt securities of Rs. 141.66 crore, repayment of debt securities of Rs. 20 crore, dividends paid of Rs. 69.72 crore, interest paid of Rs. 57.59 crore and other receipt/payment of Rs. 1.83 crore.
SBI cash flow for 2079/80
In the financial year 2079/80, Nepal SBI Bank Limited reported net cash flow from operating activities (a) of Rs. 1,191.93 crore, net cash flow from investing activities (b) of Rs. 1,066.4 crore, net cash flow from financing activities (c) of Rs. 82 crore, net increase/(decrease) in cash and cash equivalents of Rs. 207.53 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 1,016.06 crore and cash and cash equivalents at ashadh end of Rs. 1,223.59 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 1,764.7 crore, fees and other income received of Rs. 165.3 crore, dividend received of Rs. 0.77 crore, receipts from other operating activities of Rs. 4.41 crore, interest paid of Rs. 1,157.16 crore, commission and fees paid of Rs. 9.93 crore, cash payment to employees of Rs. 179.38 crore, other expense paid of Rs. 160.47 crore, operating cash flows before changes in operating assets and liabilities of Rs. 428.22 crore, due from nepal rastra bank of Rs. 386.55 crore, placement with banks and financial institutions of Rs. 504.42 crore, other trading assets of Rs. 2.6 crore, loan and advances to banks and financial institutions of Rs. 44.16 crore, loan and advances to customers of Rs. 1,241.64 crore, other assets of Rs. 7.15 crore, due to banks and financial institutions of Rs. 45.77 crore, due to nepal rastra bank of Rs. 130.35 crore, deposit from customers of Rs. 3,111.11 crore, borrowings of Rs. 16.41 crore and other liabilities of Rs. 1.18 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 1,026.44 crore, receipts from sale of investment securities of Rs. 0 crore, purchase of property and equipment of Rs. 40.61 crore, receipt from sale of property and equipment of Rs. 1.03 crore and purchase of intangible assets of Rs. 0.37 crore. Reported under net cash flow from financing activities (c): receipt from issue of debt securities of Rs. 239.91 crore, repayment of debt securities of Rs. 40 crore, dividends paid of Rs. 70.33 crore, interest paid of Rs. 47.58 crore and other receipt/payment of Rs. 0 crore.
SBI quarterly for Q4 2082/83
In the quarter Q4 2082/83, Nepal SBI Bank Limited reported net interest income of Rs. 146.82 crore, net fee and commission income of Rs. 27.86 crore, net trading income of Rs. 5.45 crore, other operating income of Rs. 5.67 crore, total operating income of Rs. 185.79 crore, impairment charge/(reversal) of Rs. 1.65 crore, net operating income of Rs. 184.15 crore, operating expenses of Rs. 101.68 crore, operating profit of Rs. 82.47 crore, non-operating income/(expense) of Rs. 2.76 crore, profit before income tax of Rs. 79.7 crore, income tax expense of Rs. 21.85 crore and profit for the year of Rs. 57.85 crore.
Reported under net interest income: interest income of Rs. 367.32 crore and interest expense of Rs. 220.5 crore. Reported under net fee and commission income: fee and commission income of Rs. 35.58 crore and fee and commission expense of Rs. 7.72 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 66.37 crore, other operating expenses of Rs. 24.68 crore and depreciation & amortisation of Rs. 10.63 crore. Reported under non-operating income/(expense): non-operating income of Rs. 1.56 crore and non-operating expense of Rs. 4.32 crore. Reported under income tax expense: current tax of Rs. 26.05 crore and deferred tax of Rs. 4.2 crore.
SBI quarterly for Q3 2082/83
In the quarter Q3 2082/83, Nepal SBI Bank Limited reported net interest income of Rs. 131.09 crore, net fee and commission income of Rs. 31.82 crore, net trading income of Rs. 12.77 crore, other operating income of Rs. 0.88 crore, total operating income of Rs. 176.56 crore, impairment charge/(reversal) of Rs. 35.75 crore, net operating income of Rs. 140.81 crore, operating expenses of Rs. 78.85 crore, operating profit of Rs. 61.96 crore, non-operating income/(expense) of Rs. 0.1 crore, profit before income tax of Rs. 62.06 crore, income tax expense of Rs. 18.54 crore and profit for the year of Rs. 43.52 crore.
Reported under net interest income: interest income of Rs. 354.38 crore and interest expense of Rs. 223.28 crore. Reported under net fee and commission income: fee and commission income of Rs. 35.07 crore and fee and commission expense of Rs. 3.25 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 52.25 crore, other operating expenses of Rs. 19.53 crore and depreciation & amortisation of Rs. 7.06 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.11 crore and non-operating expense of Rs. 0.01 crore. Reported under income tax expense: current tax of Rs. 18.54 crore and deferred tax of Rs. 0 crore.
SBI quarterly for Q2 2082/83
In the quarter Q2 2082/83, Nepal SBI Bank Limited reported net interest income of Rs. 124.4 crore, net fee and commission income of Rs. 38.87 crore, net trading income of Rs. 8.85 crore, other operating income of Rs. 7.56 crore, total operating income of Rs. 179.67 crore, impairment charge/(reversal) of Rs. 27.86 crore, net operating income of Rs. 151.81 crore, operating expenses of Rs. 75.58 crore, operating profit of Rs. 76.23 crore, non-operating income/(expense) of Rs. 0.12 crore, profit before income tax of Rs. 76.35 crore, income tax expense of Rs. 22.7 crore and profit for the year of Rs. 53.65 crore.
Reported under net interest income: interest income of Rs. 352.77 crore and interest expense of Rs. 228.37 crore. Reported under net fee and commission income: fee and commission income of Rs. 43.27 crore and fee and commission expense of Rs. 4.41 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 50.42 crore, other operating expenses of Rs. 18.51 crore and depreciation & amortisation of Rs. 6.66 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.12 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 22.7 crore and deferred tax of Rs. 0 crore.
SBI quarterly for Q1 2082/83
In the quarter Q1 2082/83, Nepal SBI Bank Limited reported net interest income of Rs. 132.15 crore, net fee and commission income of Rs. 34.41 crore, net trading income of Rs. 5.12 crore, other operating income of Rs. 5.35 crore, total operating income of Rs. 177.03 crore, impairment charge/(reversal) of Rs. 28.76 crore, net operating income of Rs. 148.27 crore, operating expenses of Rs. 76.72 crore, operating profit of Rs. 71.55 crore, non-operating income/(expense) of Rs. 0.08 crore, profit before income tax of Rs. 71.63 crore, income tax expense of Rs. 21.77 crore and profit for the year of Rs. 49.86 crore.
Reported under net interest income: interest income of Rs. 374.59 crore and interest expense of Rs. 242.44 crore. Reported under net fee and commission income: fee and commission income of Rs. 37.59 crore and fee and commission expense of Rs. 3.18 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 51.25 crore, other operating expenses of Rs. 17.51 crore and depreciation & amortisation of Rs. 7.96 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.08 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 21.77 crore and deferred tax of Rs. 0 crore.
SBI 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 | 534 | 528 | 510 | 579 | 431 | 289 |
|---|
| Interest Income | 1,449 | 1,547 | 1,790 | 1,784 | 1,231 | 900 |
|---|
| Interest Expense | -915 | -1,019 | -1,280 | -1,205 | -800 | -612 |
|---|
| Net Fee and Commission Income | 133 | 125 | 116 | 121 | 126 | 102 |
|---|
| Fee and Commission Income | 152 | 141 | 130 | 131 | 136 | 110 |
|---|
| Fee and Commission Expense | -18.6 | -15.5 | -14.0 | -9.9 | -9.8 | -8.2 |
|---|
| Net Trading Income | 32.2 | 27.8 | 16.6 | 33.6 | 25.5 | 34.9 |
|---|
| Other Operating Income | 19.5 | 6.2 | 4.3 | 4.5 | 3.3 | 2.0 |
|---|
| Total Operating Income | 719 | 687 | 646 | 738 | 586 | 427 |
|---|
| Impairment Charge/(Reversal) | -94.0 | -103 | -64.8 | -151 | -62.3 | -38.0 |
|---|
| Net Operating Income | 625 | 584 | 582 | 587 | 524 | 389 |
|---|
| Operating Expenses | -333 | -306 | -295 | -303 | -282 | -251 |
|---|
| Operating Expense - Personnel Expenses | -220 | -200 | -199 | -199 | -184 | -158 |
|---|
| Other Operating Expenses | -80.2 | -76.6 | -69.6 | -70.6 | -62.0 | -74.6 |
|---|
| Depreciation & Amortisation | -32.3 | -28.5 | -26.6 | -33.7 | -35.8 | -18.8 |
|---|
| Operating Profit | 292 | 279 | 287 | 284 | 242 | 138 |
|---|
| Non-Operating Income/(Expense) | -2.5 | -2.4 | 2.3 | 1.4 | 0.30 | 0.91 |
|---|
| Non-Operating Income | 1.9 | 4.2 | 2.3 | 1.4 | 0.30 | 0.98 |
|---|
| Non-Operating Expense | -4.3 | -6.6 | 0.00 | 0.00 | 0.00 | -0.06 |
|---|
| Profit Before Income Tax | 290 | 276 | 289 | 286 | 242 | 139 |
|---|
| Income Tax Expense | -84.9 | -92.4 | -87.1 | -87.4 | -75.4 | -40.6 |
|---|
| Current Tax | -89.1 | -94.4 | -88.9 | -89.9 | -79.9 | -46.1 |
|---|
| Deferred Tax | 4.2 | 2.0 | 1.8 | 2.5 | 4.6 | 5.5 |
|---|
| Profit for the Year | 205 | 184 | 202 | 198 | 167 | 98.5 |
|---|
SBI Balance Sheet
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 | 2077/78 | 2076/77 |
|---|
| Total Assets | 23,283 | 20,875 | 18,581 | 15,296 | 13,770 | 13,224 |
|---|
| Cash and Cash Equivalents | 2,969 | 1,122 | 1,224 | 1,016 | 843 | 1,511 |
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| Due from Nepal Rastra Bank | 867 | 967 | 839 | 452 | 327 | 758 |
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| Placement with Banks and FIs | 1,736 | 277 | 504 | 0.00 | 4.2 | 1.1 |
|---|
| Derivative Financial Instruments | 0.00 | 0.16 | 0.35 | 3.4 | 0.00 | 0.00 |
|---|
| Other Trading Assets | 18.8 | 19.4 | 10.7 | 8.6 | 11.1 | 5.8 |
|---|
| Loans and Advances to Banks and FIs | 661 | 627 | 562 | 518 | 459 | 482 |
|---|
| Loans and Advances to Customers | 13,496 | 12,598 | 11,630 | 10,539 | 9,695 | 8,962 |
|---|
| Investment Securities | 3,004 | 4,783 | 3,388 | 2,358 | 2,125 | 1,235 |
|---|
| Current Tax Assets | 29.6 | 51.2 | 54.2 | 40.4 | 41.3 | 29.6 |
|---|
| Investment in Subsidiaries | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Investment Property | 93.1 | 32.4 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Property and Equipment | 129 | 130 | 130 | 106 | 87.7 | 91.8 |
|---|
| Goodwill and Intangible Assets | 3.7 | 0.93 | 0.87 | 0.76 | 0.62 | 0.37 |
|---|
| Deferred Tax Assets | 45.8 | 44.4 | 38.2 | 32.5 | 39.0 | 32.6 |
|---|
| Other Assets | 230 | 223 | 199 | 221 | 137 | 115 |
|---|
| Total Liabilities | 21,211 | 18,917 | 16,743 | 13,575 | 12,223 | 11,741 |
|---|
| Due to Banks and FIs | 241 | 373 | 401 | 447 | 609 | 187 |
|---|
| Due to Nepal Rastra Bank | 0.00 | 0.00 | 0.00 | 130 | 427 | 0.00 |
|---|
| Derivative Financial Instruments | 2.1 | 0.00 | 0.00 | 0.00 | 2.0 | 2.1 |
|---|
| Deposits from Customers | 19,945 | 17,532 | 15,056 | 11,945 | 10,605 | 11,024 |
|---|
| Borrowings | 0.00 | 0.00 | 402 | 385 | 0.00 | 0.00 |
|---|
| Other Liabilities | 438 | 427 | 421 | 405 | 277 | 226 |
|---|
| Debt Securities Issued | 585 | 584 | 463 | 263 | 303 | 303 |
|---|
| Total Equity | 2,072 | 1,958 | 1,838 | 1,721 | 1,547 | 1,483 |
|---|
| Share Capital | 1,090 | 1,050 | 1,012 | 983 | 949 | 896 |
|---|
| Retained Earnings | 133 | 121 | 116 | 153 | 94.4 | 145 |
|---|
| Reserves | 849 | 787 | 709 | 585 | 503 | 442 |
|---|
SBI 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) | 213 | 1,326 | 1,192 | 518 | 300 | 906 |
|---|
| Interest Received | 1,543 | 1,779 | 1,765 | 1,210 | 891 | 1,130 |
|---|
| Fees and Other Income Received | 171 | 148 | 165 | 165 | 142 | 118 |
|---|
| Dividend Received | 0.79 | 0.79 | 0.77 | 2.0 | 0.75 | 0.68 |
|---|
| Receipts from Other Operating Activities | 6.0 | 4.1 | 4.4 | 0.83 | 2.0 | 2.5 |
|---|
| Interest Paid | -961 | -1,223 | -1,157 | -772 | -582 | -720 |
|---|
| Commission and Fees Paid | -15.5 | -14.0 | -9.9 | -9.8 | -8.2 | -10.0 |
|---|
| Cash Payment to Employees | -196 | -188 | -179 | -163 | -148 | -156 |
|---|
| Other Expense Paid | -178 | -159 | -160 | -143 | -122 | -158 |
|---|
| Operating Cash Flows Before Changes in Operating Assets and Liabilities | 371 | 349 | 428 | 289 | 176 | 208 |
|---|
| Due from Nepal Rastra Bank | 101 | -129 | -387 | -125 | 431 | 173 |
|---|
| Placement with Banks and Financial Institutions | -1,460 | 228 | -504 | 4.2 | -3.1 | 0.00 |
|---|
| Other Trading Assets | 1.1 | -8.5 | -2.6 | -1.4 | -1.5 | -3.2 |
|---|
| Loan and Advances to Banks and Financial Institutions | -33.7 | -64.6 | -44.2 | -66.7 | 22.1 | -8.8 |
|---|
| Loan and Advances to Customers | -1,002 | -1,032 | -1,242 | -900 | -770 | -598 |
|---|
| Other Assets | -59.1 | -66.1 | -7.1 | -105 | -33.8 | -7.0 |
|---|
| Due to Banks and Financial Institutions | -132 | -28.0 | -45.8 | -163 | 423 | -40.4 |
|---|
| Due to Nepal Rastra Bank | 0.00 | 0.00 | -130 | -296 | 427 | -76.1 |
|---|
| Deposit from Customers | 2,413 | 2,476 | 3,111 | 1,340 | -418 | 1,251 |
|---|
| Borrowings | 0.00 | -402 | 16.4 | 385 | 0.00 | 0.00 |
|---|
| Other Liabilities | 15.1 | 3.5 | -1.2 | 155 | 47.8 | 7.0 |
|---|
| Net Cash Flow from Investing Activities (B) | 1,764 | -1,420 | -1,066 | -259 | -906 | -319 |
|---|
| Purchase of Investment Securities | 1,781 | -1,407 | -1,026 | -225 | -891 | -304 |
|---|
| Receipts from Sale of Investment Securities | 0.00 | 0.00 | 0.00 | 1.3 | 0.00 | 0.00 |
|---|
| Purchase of Property and Equipment | -15.2 | -21.8 | -40.6 | -37.0 | -15.5 | -18.8 |
|---|
| Receipt from Sale of Property and Equipment | 2.1 | 9.2 | 1.0 | 2.3 | 0.95 | 4.3 |
|---|
| Purchase of Intangible Assets | -3.5 | -0.37 | -0.37 | -0.40 | -0.48 | -0.07 |
|---|
| Net Cash Flow from Financing Activities (C) | -130 | -7.5 | 82.0 | -85.6 | -62.0 | 98.9 |
|---|
| Receipt from Issue of Debt Securities | 0.17 | 142 | 240 | 0.00 | 0.00 | 203 |
|---|
| Repayment of Debt Securities | 0.00 | -20.0 | -40.0 | -40.0 | 0.00 | 0.00 |
|---|
| Dividends Paid | -72.4 | -69.7 | -70.3 | -17.5 | -31.5 | -87.4 |
|---|
| Interest Paid | -57.9 | -57.6 | -47.6 | -28.1 | -30.2 | -16.7 |
|---|
| Other Receipt/Payment | 0.00 | -1.8 | 0.00 | 0.00 | -0.32 | -0.38 |
|---|
| Net Increase/(Decrease) in Cash and Cash Equivalents | 1,847 | -102 | 208 | 173 | -668 | 687 |
|---|
| Cash and Cash Equivalents at Shrawan 01 (Beginning of the Year) | 1,122 | 1,224 | 1,016 | 843 | 1,511 | 824 |
|---|
| Cash and Cash Equivalents at Ashadh End | 2,969 | 1,122 | 1,224 | 1,016 | 843 | 1,511 |
|---|
SBI 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 | 147 | 131 | 124 | 132 | 173 | 125 | 94.8 | 135 | 150 | 91.9 | 128 | 139 |
|---|
| Interest Income | 367 | 354 | 353 | 375 | 416 | 366 | 351 | 414 | 458 | 407 | 451 | 474 |
|---|
| Interest Expense | -220 | -223 | -228 | -242 | -243 | -241 | -256 | -279 | -307 | -315 | -323 | -335 |
|---|
| Net Fee and Commission Income | 27.9 | 31.8 | 38.9 | 34.4 | 35.1 | 33.1 | 29.6 | 29.4 | 31.5 | 25.3 | 30.7 | 28.3 |
|---|
| Fee and Commission Income | 35.6 | 35.1 | 43.3 | 37.6 | 40.3 | 37.0 | 32.7 | 32.8 | 36.9 | 28.8 | 33.3 | 30.9 |
|---|
| Fee and Commission Expense | -7.7 | -3.3 | -4.4 | -3.2 | -5.2 | -3.9 | -3.1 | -3.4 | -5.3 | -3.5 | -2.5 | -2.6 |
|---|
| Net Trading Income | 5.4 | 12.8 | 8.9 | 5.1 | 8.1 | 8.4 | 6.0 | 5.3 | 5.6 | 4.5 | 6.2 | 0.31 |
|---|
| Other Operating Income | 5.7 | 0.88 | 7.6 | 5.3 | 0.26 | 0.66 | 0.75 | 1.3 | 1.2 | 0.66 | -0.58 | 3.1 |
|---|
| Total Operating Income | 186 | 177 | 180 | 177 | 217 | 167 | 131 | 171 | 189 | 122 | 164 | 171 |
|---|
| Impairment Charge/(Reversal) | -1.6 | -35.7 | -27.9 | -28.8 | -30.3 | -48.7 | -51.7 | 27.8 | 16.4 | -5.2 | -45.2 | -29.7 |
|---|
| Net Operating Income | 184 | 141 | 152 | 148 | 186 | 118 | 79.5 | 199 | 205 | 117 | 119 | 141 |
|---|
| Operating Expenses | -102 | -78.8 | -75.6 | -76.7 | -91.2 | -71.7 | -66.3 | -76.1 | -83.6 | -70.7 | -67.8 | -72.5 |
|---|
| Operating Expense - Personnel Expenses | -66.4 | -52.3 | -50.4 | -51.3 | -63.0 | -47.1 | -39.6 | -50.2 | -63.4 | -46.3 | -41.6 | -46.7 |
|---|
| Other Operating Expenses | -24.7 | -19.5 | -18.5 | -17.5 | -23.0 | -10.3 | -22.3 | -21.6 | -18.1 | -16.3 | -17.8 | -17.5 |
|---|
| Depreciation & Amortisation | -10.6 | -7.1 | -6.7 | -8.0 | -5.1 | -14.3 | -4.4 | -4.4 | -2.1 | -8.1 | -8.3 | -8.4 |
|---|
| Operating Profit | 82.5 | 62.0 | 76.2 | 71.6 | 95.2 | 46.5 | 13.2 | 123 | 121 | 46.6 | 51.5 | 68.6 |
|---|
| Non-Operating Income/(Expense) | -2.8 | 0.10 | 0.12 | 0.08 | -3.6 | 0.70 | 0.43 | 0.08 | -1.6 | 0.05 | 3.8 | 0.07 |
|---|
| Non-Operating Income | 1.6 | 0.11 | 0.12 | 0.08 | 3.0 | 0.70 | 0.43 | 0.08 | -1.6 | 0.05 | 3.8 | 0.07 |
|---|
| Non-Operating Expense | -4.3 | -0.01 | 0.00 | 0.00 | -6.6 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Profit Before Income Tax | 79.7 | 62.1 | 76.3 | 71.6 | 91.6 | 47.2 | 13.6 | 123 | 120 | 46.6 | 55.3 | 68.7 |
|---|
| Income Tax Expense | -21.8 | -18.5 | -22.7 | -21.8 | -30.8 | -16.4 | -4.6 | -40.3 | -34.3 | -14.0 | -18.3 | -20.7 |
|---|
| Current Tax | -26.0 | -18.5 | -22.7 | -21.8 | -33.2 | -16.4 | -4.6 | -40.3 | -35.9 | -14.0 | -18.3 | -20.7 |
|---|
| Deferred Tax | 4.2 | 0.00 | 0.00 | 0.00 | 2.5 | 0.00 | 0.00 | 0.00 | 1.6 | 0.00 | 0.00 | 0.00 |
|---|
| Profit for the Year | 57.9 | 43.5 | 53.7 | 49.9 | 60.9 | 30.7 | 9.0 | 82.5 | 85.6 | 32.6 | 37.1 | 48.0 |
|---|
Nepal SBI Bank share price history
Over the last 15 trading sessions SBI closed between Rs. 397.90 and Rs. 409.90, finishing at Rs. 408.80 on 2026-09-22 against Rs. 399.00 on 2026-08-26.
| Date | Open | High | Low | Close | Volume |
|---|
| 2026-09-22 | 409.00 | 410.00 | 407.00 | 408.80 | 31,928 |
|---|
| 2026-09-18 | 404.10 | 408.00 | 402.00 | 406.50 | 30,134 |
|---|
| 2026-09-17 | 406.00 | 410.00 | 404.00 | 404.00 | 8,245 |
|---|
| 2026-09-16 | 411.00 | 411.00 | 392.00 | 404.00 | 3,336 |
|---|
| 2026-09-15 | 425.00 | 425.00 | 403.10 | 409.90 | 78,404 |
|---|
| 2026-09-14 | 404.30 | 406.50 | 399.00 | 404.90 | 12,898 |
|---|
| 2026-09-11 | 401.00 | 404.90 | 397.00 | 404.30 | 66,517 |
|---|
| 2026-09-10 | 401.00 | 404.00 | 397.40 | 403.90 | 4,19,124 |
|---|
| 2026-09-09 | 395.00 | 402.00 | 395.00 | 402.00 | 24,215 |
|---|
| 2026-09-07 | 400.00 | 402.00 | 392.00 | 402.00 | 27,589 |
|---|
| 2026-09-03 | 395.00 | 400.80 | 395.00 | 397.90 | 75,210 |
|---|
| 2026-09-02 | 390.10 | 400.00 | 390.10 | 400.00 | 9,535 |
|---|
| 2026-09-01 | 392.10 | 400.00 | 390.20 | 398.90 | 10,681 |
|---|
| 2026-08-31 | 415.00 | 415.00 | 391.10 | 398.70 | 10,366 |
|---|
| 2026-08-26 | 396.00 | 404.00 | 393.60 | 399.00 | 43,044 |
|---|
SBI share price by year
2026, between Rs. 373.00 and Rs. 441.00, 2025, between Rs. 349.04 and Rs. 442.31, 2024, between Rs. 248.81 and Rs. 508.56, 2023, between Rs. 251.79 and Rs. 337.86, 2022, between Rs. 217.58 and Rs. 365.81 and 2021, between Rs. 277.48 and Rs. 411.23.
| Year | Low (Rs.) | High (Rs.) | Sessions |
|---|
| 2026 | 373.00 | 441.00 | 168 |
|---|
| 2025 | 349.04 | 442.31 | 225 |
|---|
| 2024 | 248.81 | 508.56 | 232 |
|---|
| 2023 | 251.79 | 337.86 | 227 |
|---|
| 2022 | 217.58 | 365.81 | 242 |
|---|
| 2021 | 277.48 | 411.23 | 239 |
|---|
| 2020 | 276.54 | 460.64 | 182 |
|---|
| 2019 | 271.80 | 395.06 | 245 |
|---|
| 2018 | 269.77 | 450.08 | 235 |
|---|
| 2017 | 415.30 | 680.97 | 230 |
|---|
| 2016 | 418.91 | 756.20 | 232 |
|---|
| 2015 | 217.56 | 462.42 | 213 |
|---|
Nepal SBI Bank share price returns
At Rs. 408.80 on 2026-09-22, SBI is down 0.27% over 1 week, up 1.46% over 1 month, up 4.37% over 3 months, down 4.91% over 6 months, up 10.71% over 1 year and up 29.81% 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 | -0.27% | 409.90 | 2026-09-15 |
|---|
| 1 month | +1.46% | 402.90 | 2026-08-21 |
|---|
| 3 months | +4.37% | 391.70 | 2026-06-24 |
|---|
| 6 months | -4.91% | 429.90 | 2026-03-26 |
|---|
| 1 year | +10.71% | 369.26 | 2025-09-21 |
|---|
| 5 years | +29.81% | 314.91 | 2021-09-23 |
|---|
SBI floorsheet for 2026-09-22
SBI traded 121 times on 2026-09-22, moving 31,353 shares for Rs. 1.28 crore of turnover. Trades went through between Rs. 400.00 and Rs. 410.00.
Largest buyers by volume: broker 45, Imperial Securities Co. Limited on 7,586 shares across 6 trades, broker 17, ABC Securities Pvt. Limited on 5,557 shares across 15 trades, broker 34, Vision Securities Pvt.Limited on 3,861 shares across 20 trades, broker 4, Stock Broker Opal Securities Investment Pvt. Limited on 3,306 shares across 11 trades, broker 58, Naasa Securities Co. Ltd. on 2,329 shares across 10 trades, broker 75, NIMB Stock Markets Limited on 2,170 shares across 11 trades, broker 57, Arya Tara Investment And Securities Pvt. Ltd. on 1,789 shares across 11 trades, broker 1, Kumari Securities Pvt. Limited on 1,000 shares across 4 trades, broker 54, Sewa Securities Pvt. Ltd. on 700 shares across 2 trades and broker 10, Pragyan Securities Pvt. Limited on 627 shares across 3 trades.
Largest sellers by volume: broker 7, J.F. Securities Company Pvt. Limited on 6,350 shares across 5 trades, broker 51, Oxford Securities Pvt.Ltd on 5,700 shares across 23 trades, broker 10, Pragyan Securities Pvt. Limited on 3,820 shares across 15 trades, broker 75, NIMB Stock Markets Limited on 3,676 shares across 15 trades, broker 66, Miyo Securities Pvt Ltd on 2,730 shares across 2 trades, broker 14, Nepal Stock House Pvt. Limited on 2,000 shares across 2 trades, broker 42, Sani Securities Company Limited on 1,932 shares across 4 trades, broker 40, Creative Securities Pvt.Limited on 1,180 shares across 6 trades, broker 82, N.M.B. Securities Limited on 994 shares across 2 trades and broker 39, Sumeru Securities Pvt.Limited on 717 shares across 8 trades.
SBI dividend history: bonus shares and cash dividend
Nepal SBI Bank Limited most recently declared a 4% bonus share issue and a 5% cash dividend, 9% in total for 2081/2082, announced on 2025-12-11. 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 | 4% | 5% | 2025-12-11 |
| 2080/2081 | 3.8% | 6.85% | 2024-12-03 |
| 2079/2080 | 3.75% | 6.8% | 2024-01-24 |
| 2078/2079 | 3% | 7.53% | 2022-12-18 |
| 2077/2078 | 3.5% | 1.81% | 2021-12-14 |
For 2081/2082 Nepal SBI Bank Limited declared a 4% bonus share issue and a 5% cash dividend, 9% in total, announced on 2025-12-11.
For 2080/2081 Nepal SBI Bank Limited declared a 3.8% bonus share issue and a 6.85% cash dividend, 10.65% in total, announced on 2024-12-03.
For 2079/2080 Nepal SBI Bank Limited declared a 3.75% bonus share issue and a 6.8% cash dividend, 10.55% in total, announced on 2024-01-24.
For 2078/2079 Nepal SBI Bank Limited declared a 3% bonus share issue and a 7.53% cash dividend, 10.53% in total, announced on 2022-12-18.
For 2077/2078 Nepal SBI Bank Limited declared a 3.5% bonus share issue and a 1.81% cash dividend, 5.31% in total, announced on 2021-12-14.
SBI general meetings
Annual and special general meetings Nepal SBI Bank Limited has called. A dividend is declared by the board and approved at the AGM.
- 32nd AGM for 2081/2082: on 2026-01-02, at Tribhuvan Army Officers' Club, Bhadrakali, Kathmandu (11:00 AM)
- 31st AGM for 2080/2081: on 2025-01-05, at Tribhuvan Army Officers' Club, Bhadrakali, Kathmandu (11:00 AM)
- 30th AGM for 2079/2080: on 2023-12-29, at Tribhuvan Army Officers' Club, Bhadrakali, Kathmandu (11:00 AM)
6 years of annual statements and 12 quarters of results for SBI, with charts and peer comparison, are free on NepView.
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