Siddhartha Bank Limited (SBL) Share Price & Fundamentals
Siddhartha Bank (SBL) share price is Rs. 458.00, up 2.25% on 2026-09-22. Open Rs. 447.50. High Rs. 459.80. Low Rs. 447.50. Volume 333,403.
Siddhartha Bank Limited is a NEPSE-listed company (SBL), Commercial Banks sector. Revenue: Rs. 1,223.53 Crore. Net profit: Rs. 356.32 Crore. Net worth: Rs. 3,142.37 Crore.
About Siddhartha Bank Limited
Siddhartha Bank Limited (SBL) is a Kathmandu-based class A commercial bank licensed by Nepal Rastra Bank, which commenced operations on 25 December 2002. It merged with Business Universal Development Bank Limited in 2016, strengthening its capital base and branch network, and offers full commercial banking and remittance services through a nationwide branch and ATM network. The bank consolidates subsidiaries, so Group and Bank figures differ.
Siddhartha Bank Limited (SBL) has 14,79,44,792 shares outstanding. It listed on NEPSE in 2016. Its most recent declared dividend was 5.53% on face value.
Company website: www.siddharthabank.com.
SBL key metrics
SBL strengths
What Siddhartha Bank Limited's own accounts show in its favour, graded against the rest of its sector.
- Lends out 76.6% of deposits, comfortably within the 90% Nepal Rastra Bank allows. (Liquidity & Funding)
- 16.7% of income comes from fees and commissions, so it does not depend on lending alone. (Margins & Income Quality)
- 90.9% of its funding comes from customer deposits, which are cheap and stable. (Liquidity & Funding)
- Turns 29.1% of its income into profit once every cost is paid. (Profitability)
- Only 1.9% of funding is borrowed, so the bank largely funds itself. (Liquidity & Funding)
- Keeps 42.8% of income as profit from everyday banking, before tax. (Profitability)
- Customer deposits grew 16.2% on last year, giving it more cheap money to lend. (Growth)
- Each share is backed by Rs 212.4 of the bank's own net worth. (Shareholder Returns)
- 74.1% of income comes from lending, which is steady and predictable. (Margins & Income Quality)
- Loans are 63.2% of what the bank owns, a balanced mix alongside other assets. (Asset Quality)
- The bank grew 14% bigger over the year. (Shareholder Returns)
SBL weaknesses
What the same accounts show against it. Both lists are computed from the filed figures, not opinion, and are not advice.
- Makes only 2.5% from the gap between lending and deposit rates, so core earnings are squeezed. (Margins & Income Quality)
- Return on shareholders' money is 10.9%, below what owners would hope for. (Profitability)
- Return on everything it owns is 1%, so its assets are not producing much. (Profitability)
- Profit moved 3.8% on last year, so earnings are not building up. (Growth)
- 14.4% of income is lost to loans going bad, which eats directly into profit. (Asset Quality)
- Only 9.3% of what it owns belongs to shareholders, so there is less cushion for losses. (Capital Strength)
- Each share produced Rs 24.08 over the year. (Shareholder Returns)
- Income from lending moved 7.2%, so the core business is not growing. (Growth)
- Owns 10.8x for every rupee shareholders put in. A high multiple magnifies losses as well as gains. (Capital Strength)
- The loan book moved 9.7%, so lending is not expanding. (Growth)
- Total income moved 7.6% on last year. (Growth)
- Staff costs take 29.4% of income, a heavy load on earnings. (Efficiency)
- Only 9.2% of income comes from outside interest, so a change in rates hits hard. (Margins & Income Quality)
SBL Q4 2082/83 results
In Q4 2082/83 Siddhartha Bank Limited reported profit of Rs. 150.65 crore and total operating income of Rs. 324.78 crore. Profit in Q3 2082/83 was Rs. 72.02 crore. Profit grew 109.17% on the previous quarter. Total operating income grew 10.87% on the previous quarter. Profit in Q4 2081/82, the same quarter a year earlier, was Rs. 174.71 crore. Profit fell 13.77% on the same quarter last year. Total operating income grew 6.36% on the same quarter last year.
SBL annual results 2082/83
For the financial year 2082/83 Siddhartha Bank Limited reported net profit of Rs. 356.32 crore, total operating income of Rs. 1,223.53 crore and net worth of Rs. 3,142.37 crore. Net profit in 2081/82 was Rs. 343.44 crore. Net profit grew 3.75% on the year. Total operating income grew 7.59% on the year.
SBL profit and loss for 2082/83
In the financial year 2082/83, Siddhartha Bank Limited reported net interest income of Rs. 906.11 crore, net fee and commission income of Rs. 204.27 crore, net trading income of Rs. 51.19 crore, other operating income of Rs. 61.97 crore, total operating income of Rs. 1,223.53 crore, impairment charge/(reversal) of Rs. 176.64 crore, net operating income of Rs. 1,046.89 crore, operating expenses of Rs. 523.07 crore, operating profit of Rs. 523.82 crore, non-operating income/(expense) of Rs. 6.3 crore, profit before income tax of Rs. 517.52 crore, income tax expense of Rs. 161.2 crore and profit for the year of Rs. 356.32 crore.
Reported under net interest income: interest income of Rs. 2,105.93 crore and interest expense of Rs. 1,199.82 crore. Reported under net fee and commission income: fee and commission income of Rs. 264.98 crore and fee and commission expense of Rs. 60.72 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 359.55 crore, other operating expenses of Rs. 114.52 crore and depreciation & amortisation of Rs. 49 crore. Reported under non-operating income/(expense): non-operating income of Rs. 1.04 crore and non-operating expense of Rs. 7.33 crore. Reported under income tax expense: current tax of Rs. 162.5 crore and deferred tax of Rs. 1.3 crore.
SBL profit and loss for 2081/82
In the financial year 2081/82, Siddhartha Bank Limited reported net interest income of Rs. 845.63 crore, net fee and commission income of Rs. 181.35 crore, net trading income of Rs. 43.87 crore, other operating income of Rs. 66.34 crore, total operating income of Rs. 1,137.19 crore, impairment charge/(reversal) of Rs. 137.53 crore, net operating income of Rs. 999.66 crore, operating expenses of Rs. 491.34 crore, operating profit of Rs. 508.32 crore, non-operating income/(expense) of Rs. 0.83 crore, profit before income tax of Rs. 509.15 crore, income tax expense of Rs. 165.71 crore and profit for the year of Rs. 343.44 crore.
Reported under net interest income: interest income of Rs. 2,232.48 crore and interest expense of Rs. 1,386.85 crore. Reported under net fee and commission income: fee and commission income of Rs. 229.99 crore and fee and commission expense of Rs. 48.64 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 330.56 crore, other operating expenses of Rs. 109.65 crore and depreciation & amortisation of Rs. 51.13 crore. Reported under non-operating income/(expense): non-operating income of Rs. 1.62 crore and non-operating expense of Rs. 0.79 crore. Reported under income tax expense: current tax of Rs. 166.89 crore and deferred tax of Rs. 1.17 crore.
SBL profit and loss for 2080/81
In the financial year 2080/81, Siddhartha Bank Limited reported net interest income of Rs. 796.05 crore, net fee and commission income of Rs. 155.31 crore, net trading income of Rs. 24.28 crore, other operating income of Rs. 37.19 crore, total operating income of Rs. 1,012.83 crore, impairment charge/(reversal) of Rs. 105.11 crore, net operating income of Rs. 907.71 crore, operating expenses of Rs. 452.2 crore, operating profit of Rs. 455.52 crore, non-operating income/(expense) of Rs. 0.87 crore, profit before income tax of Rs. 454.64 crore, income tax expense of Rs. 142.42 crore and profit for the year of Rs. 312.23 crore.
Reported under net interest income: interest income of Rs. 2,573.53 crore and interest expense of Rs. 1,777.48 crore. Reported under net fee and commission income: fee and commission income of Rs. 196.67 crore and fee and commission expense of Rs. 41.35 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 302.97 crore, other operating expenses of Rs. 100.41 crore and depreciation & amortisation of Rs. 48.82 crore. Reported under non-operating income/(expense): non-operating income of Rs. 1.13 crore and non-operating expense of Rs. 2 crore. Reported under income tax expense: current tax of Rs. 145.54 crore and deferred tax of Rs. 3.13 crore.
SBL balance sheet for 2081/82
In the financial year 2081/82, Siddhartha Bank Limited reported total assets of Rs. 33,931.91 crore, total liabilities of Rs. 30,789.54 crore and total equity of Rs. 3,142.37 crore.
Reported under total assets: cash and cash equivalents of Rs. 3,079.69 crore, due from nepal rastra bank of Rs. 1,487.58 crore, placement with banks and fis of Rs. 740.52 crore, derivative financial instruments of Rs. 1.6 crore, other trading assets of Rs. 25.04 crore, loans and advances to banks and fis of Rs. 809.81 crore, loans and advances to customers of Rs. 21,447.13 crore, investment securities of Rs. 5,488.9 crore, current tax assets of Rs. 23.27 crore, investment in subsidiaries of Rs. 0 crore, investment property of Rs. 72.56 crore, property and equipment of Rs. 321.94 crore, goodwill and intangible assets of Rs. 12.28 crore and other assets of Rs. 421.58 crore. Reported under total liabilities: due to banks and fis of Rs. 309.25 crore, due to nepal rastra bank of Rs. 39.19 crore, derivative financial instruments of Rs. 1.97 crore, deposits from customers of Rs. 28,000.45 crore, borrowings of Rs. 583.91 crore, deferred tax liabilities of Rs. 48.11 crore, other liabilities of Rs. 640.4 crore and debt securities issued of Rs. 1,166.26 crore. Reported under total equity: share capital of Rs. 1,409 crore, retained earnings of Rs. 195.11 crore, reserves of Rs. 1,513.31 crore and non controlling interest of Rs. 24.95 crore.
SBL balance sheet for 2080/81
In the financial year 2080/81, Siddhartha Bank Limited reported total assets of Rs. 29,775.24 crore, total liabilities of Rs. 26,927.04 crore and total equity of Rs. 2,848.2 crore.
Reported under total assets: cash and cash equivalents of Rs. 2,274.99 crore, due from nepal rastra bank of Rs. 945.38 crore, placement with banks and fis of Rs. 656.21 crore, derivative financial instruments of Rs. 0.5 crore, other trading assets of Rs. 19.76 crore, loans and advances to banks and fis of Rs. 576.78 crore, loans and advances to customers of Rs. 19,548.53 crore, investment securities of Rs. 4,816.97 crore, current tax assets of Rs. 21.9 crore, investment in subsidiaries of Rs. 0 crore, investment property of Rs. 72.76 crore, property and equipment of Rs. 352.09 crore, goodwill and intangible assets of Rs. 14.75 crore and other assets of Rs. 474.64 crore. Reported under total liabilities: due to banks and fis of Rs. 357.82 crore, due to nepal rastra bank of Rs. 39.19 crore, derivative financial instruments of Rs. 0.4 crore, deposits from customers of Rs. 24,098.08 crore, borrowings of Rs. 596.44 crore, deferred tax liabilities of Rs. 65.68 crore, other liabilities of Rs. 603.18 crore and debt securities issued of Rs. 1,166.26 crore. Reported under total equity: share capital of Rs. 1,409 crore, retained earnings of Rs. 67.78 crore, reserves of Rs. 1,348.7 crore and non controlling interest of Rs. 22.72 crore.
SBL balance sheet for 2079/80
In the financial year 2079/80, Siddhartha Bank Limited reported total assets of Rs. 28,637.2 crore, total liabilities of Rs. 26,066.55 crore and total equity of Rs. 2,570.64 crore.
Reported under total assets: cash and cash equivalents of Rs. 1,157.13 crore, due from nepal rastra bank of Rs. 900.07 crore, placement with banks and fis of Rs. 501.13 crore, derivative financial instruments of Rs. 1.73 crore, other trading assets of Rs. 10.94 crore, loans and advances to banks and fis of Rs. 517.08 crore, loans and advances to customers of Rs. 18,401.94 crore, investment securities of Rs. 6,272.89 crore, current tax assets of Rs. 26.73 crore, investment in subsidiaries of Rs. 0 crore, investment property of Rs. 65.45 crore, property and equipment of Rs. 357.95 crore, goodwill and intangible assets of Rs. 16.76 crore and other assets of Rs. 407.39 crore. Reported under total liabilities: due to banks and fis of Rs. 1,161.37 crore, due to nepal rastra bank of Rs. 28.85 crore, derivative financial instruments of Rs. 2.39 crore, deposits from customers of Rs. 22,330.7 crore, borrowings of Rs. 731.25 crore, deferred tax liabilities of Rs. 48.91 crore, other liabilities of Rs. 596.84 crore and debt securities issued of Rs. 1,166.26 crore. Reported under total equity: share capital of Rs. 1,409 crore, retained earnings of Rs. 75.61 crore, reserves of Rs. 1,063.94 crore and non controlling interest of Rs. 22.09 crore.
SBL cash flow for 2081/82
In the financial year 2081/82, Siddhartha Bank Limited reported net cash flow from operating activities (a) of Rs. 1,362.11 crore, net cash flow from investing activities (b) of Rs. 384.2 crore, net cash flow from financing activities (c) of Rs. 178.51 crore, net increase/(decrease) in cash and cash equivalents of Rs. 799.4 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 2,274.99 crore, effect of exchange rate fluctuations on cash and cash equivalents held of Rs. 5.31 crore and cash and cash equivalents at ashadh end of Rs. 3,079.69 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 1,950.4 crore, fees and other income received of Rs. 229.99 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 83.28 crore, interest paid of Rs. 1,269.55 crore, commission and fees paid of Rs. 48.64 crore, cash payment to employees of Rs. 287.59 crore, other expense paid of Rs. 110.58 crore, operating cash flows before changes in operating assets and liabilities of Rs. 547.31 crore, due from nepal rastra bank of Rs. 542.2 crore, placement with banks and financial institutions of Rs. 84.31 crore, other trading assets of Rs. 2.31 crore, loan and advances to banks and financial institutions of Rs. 241.2 crore, loan and advances to customers of Rs. 2,027.48 crore, other assets of Rs. 51.23 crore, due to banks and financial institutions of Rs. 48.56 crore, due to nepal rastra bank of Rs. 0 crore, deposit from customers of Rs. 3,902.37 crore, borrowings of Rs. 12.53 crore, other liabilities of Rs. 16.56 crore, net cash flow from operating activities before tax paid of Rs. 1,530.38 crore and income taxes paid of Rs. 168.27 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. 659.42 crore, purchase of property and equipment of Rs. 17.43 crore, receipt from sale of property and equipment of Rs. 0.45 crore, purchase of intangible assets of Rs. 1.25 crore, interest received of Rs. 272.73 crore and dividend received of Rs. 20.72 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. 61.36 crore, interest paid of Rs. 117.15 crore and other receipt/payment of Rs. 0 crore.
SBL cash flow for 2080/81
In the financial year 2080/81, Siddhartha Bank Limited reported net cash flow from operating activities (a) of Rs. 543.99 crore, net cash flow from investing activities (b) of Rs. 1,829.17 crore, net cash flow from financing activities (c) of Rs. 178.73 crore, net increase/(decrease) in cash and cash equivalents of Rs. 1,106.46 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 1,157.13 crore, effect of exchange rate fluctuations on cash and cash equivalents held of Rs. 11.4 crore and cash and cash equivalents at ashadh end of Rs. 2,274.99 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 2,231.5 crore, fees and other income received of Rs. 197.67 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 36.78 crore, interest paid of Rs. 1,660.44 crore, commission and fees paid of Rs. 41.33 crore, cash payment to employees of Rs. 250.13 crore, other expense paid of Rs. 102.64 crore, operating cash flows before changes in operating assets and liabilities of Rs. 411.42 crore, due from nepal rastra bank of Rs. 45.3 crore, placement with banks and financial institutions of Rs. 155.08 crore, other trading assets of Rs. 4.01 crore, loan and advances to banks and financial institutions of Rs. 59.71 crore, loan and advances to customers of Rs. 1,259.01 crore, other assets of Rs. 63.91 crore, due to banks and financial institutions of Rs. 803.55 crore, due to nepal rastra bank of Rs. 10.35 crore, deposit from customers of Rs. 1,767.38 crore, borrowings of Rs. 134.81 crore, other liabilities of Rs. 45.24 crore, net cash flow from operating activities before tax paid of Rs. 381.46 crore and income taxes paid of Rs. 162.53 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. 1,519.06 crore, purchase of property and equipment of Rs. 37.65 crore, receipt from sale of property and equipment of Rs. 0 crore, purchase of intangible assets of Rs. 2.88 crore, interest received of Rs. 338.14 crore and dividend received of Rs. 12.51 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. 61.9 crore, interest paid of Rs. 116.83 crore and other receipt/payment of Rs. 0 crore.
SBL cash flow for 2079/80
In the financial year 2079/80, Siddhartha Bank Limited reported net cash flow from operating activities (a) of Rs. 640.2 crore, net cash flow from investing activities (b) of Rs. 154.2 crore, net cash flow from financing activities (c) of Rs. 132.19 crore, net increase/(decrease) in cash and cash equivalents of Rs. 353.81 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 793.64 crore, effect of exchange rate fluctuations on cash and cash equivalents held of Rs. 9.68 crore and cash and cash equivalents at ashadh end of Rs. 1,157.13 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 2,401.14 crore, fees and other income received of Rs. 182.12 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 29.7 crore, interest paid of Rs. 1,830.73 crore, commission and fees paid of Rs. 37.42 crore, cash payment to employees of Rs. 217.85 crore, other expense paid of Rs. 103.82 crore, operating cash flows before changes in operating assets and liabilities of Rs. 423.16 crore, due from nepal rastra bank of Rs. 327.03 crore, placement with banks and financial institutions of Rs. 469.1 crore, other trading assets of Rs. 0.71 crore, loan and advances to banks and financial institutions of Rs. 123.26 crore, loan and advances to customers of Rs. 705.05 crore, other assets of Rs. 29.06 crore, due to banks and financial institutions of Rs. 437.9 crore, due to nepal rastra bank of Rs. 2,467.66 crore, deposit from customers of Rs. 3,215.05 crore, borrowings of Rs. 628.97 crore, other liabilities of Rs. 100.43 crore, net cash flow from operating activities before tax paid of Rs. 788.84 crore and income taxes paid of Rs. 148.64 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 428.11 crore, receipts from sale of investment securities of Rs. 0 crore, purchase of property and equipment of Rs. 88.47 crore, receipt from sale of property and equipment of Rs. 0.26 crore, purchase of intangible assets of Rs. 13.63 crore, interest received of Rs. 360.87 crore and dividend received of Rs. 14.89 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. 13.24 crore, interest paid of Rs. 116.83 crore and other receipt/payment of Rs. 2.12 crore.
SBL quarterly for Q4 2082/83
In the quarter Q4 2082/83, Siddhartha Bank Limited reported net interest income of Rs. 252.49 crore, net fee and commission income of Rs. 51.01 crore, net trading income of Rs. 17.13 crore, other operating income of Rs. 4.14 crore, total operating income of Rs. 324.78 crore, impairment charge/(reversal) of Rs. 26.91 crore, net operating income of Rs. 351.69 crore, operating expenses of Rs. 129.85 crore, operating profit of Rs. 221.83 crore, non-operating income/(expense) of Rs. 2.55 crore, profit before income tax of Rs. 219.29 crore, income tax expense of Rs. 68.63 crore and profit for the year of Rs. 150.65 crore.
Reported under net interest income: interest income of Rs. 559.33 crore and interest expense of Rs. 306.84 crore. Reported under net fee and commission income: fee and commission income of Rs. 73.11 crore and fee and commission expense of Rs. 22.1 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 102.79 crore, other operating expenses of Rs. 2.41 crore and depreciation & amortisation of Rs. 29.48 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.26 crore and non-operating expense of Rs. 2.81 crore. Reported under income tax expense: current tax of Rs. 69.94 crore and deferred tax of Rs. 1.3 crore.
SBL quarterly for Q3 2082/83
In the quarter Q3 2082/83, Siddhartha Bank Limited reported net interest income of Rs. 220.3 crore, net fee and commission income of Rs. 48.71 crore, net trading income of Rs. 15.73 crore, other operating income of Rs. 8.18 crore, total operating income of Rs. 292.93 crore, impairment charge/(reversal) of Rs. 58.29 crore, net operating income of Rs. 234.64 crore, operating expenses of Rs. 132.19 crore, operating profit of Rs. 102.45 crore, non-operating income/(expense) of Rs. 1.51 crore, profit before income tax of Rs. 100.94 crore, income tax expense of Rs. 28.91 crore and profit for the year of Rs. 72.02 crore.
Reported under net interest income: interest income of Rs. 503.18 crore and interest expense of Rs. 282.88 crore. Reported under net fee and commission income: fee and commission income of Rs. 61.77 crore and fee and commission expense of Rs. 13.06 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 85.79 crore, other operating expenses of Rs. 39.9 crore and depreciation & amortisation of Rs. 6.5 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.71 crore and non-operating expense of Rs. 2.22 crore. Reported under income tax expense: current tax of Rs. 28.91 crore and deferred tax of Rs. 0 crore.
SBL quarterly for Q2 2082/83
In the quarter Q2 2082/83, Siddhartha Bank Limited reported net interest income of Rs. 216.81 crore, net fee and commission income of Rs. 47.78 crore, net trading income of Rs. 11.91 crore, other operating income of Rs. 18.01 crore, total operating income of Rs. 294.51 crore, impairment charge/(reversal) of Rs. 6.38 crore, net operating income of Rs. 288.13 crore, operating expenses of Rs. 138.68 crore, operating profit of Rs. 149.45 crore, non-operating income/(expense) of Rs. 0.03 crore, profit before income tax of Rs. 149.48 crore, income tax expense of Rs. 46.96 crore and profit for the year of Rs. 102.51 crore.
Reported under net interest income: interest income of Rs. 509.8 crore and interest expense of Rs. 292.99 crore. Reported under net fee and commission income: fee and commission income of Rs. 60.67 crore and fee and commission expense of Rs. 12.89 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 91.19 crore, other operating expenses of Rs. 41.01 crore and depreciation & amortisation of Rs. 6.49 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.03 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 46.96 crore and deferred tax of Rs. 0 crore.
SBL quarterly for Q1 2082/83
In the quarter Q1 2082/83, Siddhartha Bank Limited reported net interest income of Rs. 216.5 crore, net fee and commission income of Rs. 56.76 crore, net trading income of Rs. 6.42 crore, other operating income of Rs. 31.63 crore, total operating income of Rs. 311.32 crore, impairment charge/(reversal) of Rs. 138.88 crore, net operating income of Rs. 172.44 crore, operating expenses of Rs. 122.35 crore, operating profit of Rs. 50.09 crore, non-operating income/(expense) of Rs. 2.27 crore, profit before income tax of Rs. 47.82 crore, income tax expense of Rs. 16.69 crore and profit for the year of Rs. 31.14 crore.
Reported under net interest income: interest income of Rs. 533.62 crore and interest expense of Rs. 317.11 crore. Reported under net fee and commission income: fee and commission income of Rs. 69.43 crore and fee and commission expense of Rs. 12.67 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 79.78 crore, other operating expenses of Rs. 36.02 crore and depreciation & amortisation of Rs. 6.54 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.03 crore and non-operating expense of Rs. 2.31 crore. Reported under income tax expense: current tax of Rs. 16.69 crore and deferred tax of Rs. 0 crore.
SBL 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 | 906 | 846 | 796 | 823 | 664 | 554 |
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| Interest Income | 2,106 | 2,232 | 2,574 | 2,771 | 2,072 | 1,498 |
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| Interest Expense | -1,200 | -1,387 | -1,777 | -1,948 | -1,408 | -944 |
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| Net Fee and Commission Income | 204 | 181 | 155 | 144 | 138 | 126 |
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| Fee and Commission Income | 265 | 230 | 197 | 182 | 170 | 150 |
|---|
| Fee and Commission Expense | -60.7 | -48.6 | -41.4 | -37.4 | -32.6 | -23.6 |
|---|
| Net Trading Income | 51.2 | 43.9 | 24.3 | 18.9 | 37.5 | 79.7 |
|---|
| Other Operating Income | 62.0 | 66.3 | 37.2 | 35.5 | 55.0 | 107 |
|---|
| Total Operating Income | 1,224 | 1,137 | 1,013 | 1,022 | 894 | 868 |
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| Impairment Charge/(Reversal) | -177 | -138 | -105 | -119 | -60.7 | -79.3 |
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| Net Operating Income | 1,047 | 1,000 | 908 | 903 | 833 | 789 |
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| Operating Expenses | -523 | -491 | -452 | -429 | -399 | -357 |
|---|
| Operating Expense - Personnel Expenses | -360 | -331 | -303 | -290 | -273 | -241 |
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| Other Operating Expenses | -115 | -110 | -100 | -93.4 | -84.3 | -95.0 |
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| Depreciation & Amortisation | -49.0 | -51.1 | -48.8 | -45.7 | -41.5 | -20.7 |
|---|
| Operating Profit | 524 | 508 | 456 | 474 | 435 | 432 |
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| Non-Operating Income/(Expense) | -6.3 | 0.83 | -0.87 | -8.8 | -0.76 | 0.12 |
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| Non-Operating Income | 1.0 | 1.6 | 1.1 | 1.3 | 0.91 | 0.12 |
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| Non-Operating Expense | -7.3 | -0.79 | -2.0 | -10.1 | -1.7 | -0.00 |
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| Profit Before Income Tax | 518 | 509 | 455 | 466 | 434 | 432 |
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| Income Tax Expense | -161 | -166 | -142 | -143 | -138 | -136 |
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| Current Tax | -163 | -167 | -146 | -144 | -144 | -137 |
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| Deferred Tax | 1.3 | 1.2 | 3.1 | 1.1 | 6.2 | 1.1 |
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| Profit for the Year | 356 | 343 | 312 | 323 | 296 | 296 |
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SBL Balance Sheet
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 | 2077/78 | 2076/77 |
|---|
| Total Assets | 33,932 | 29,775 | 28,637 | 26,474 | 22,959 | 17,096 |
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| Cash and Cash Equivalents | 3,080 | 2,275 | 1,157 | 794 | 620 | 597 |
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| Due from Nepal Rastra Bank | 1,488 | 945 | 900 | 573 | 774 | 951 |
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| Placement with Banks and FIs | 741 | 656 | 501 | 32.0 | 331 | 107 |
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| Derivative Financial Instruments | 1.6 | 0.50 | 1.7 | 2.0 | 5.2 | 11.1 |
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| Other Trading Assets | 25.0 | 19.8 | 10.9 | 15.9 | 24.4 | 22.3 |
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| Loans and Advances to Banks and FIs | 810 | 577 | 517 | 640 | 603 | 400 |
|---|
| Loans and Advances to Customers | 21,447 | 19,549 | 18,402 | 17,860 | 15,859 | 12,358 |
|---|
| Investment Securities | 5,489 | 4,817 | 6,273 | 5,759 | 4,194 | 2,278 |
|---|
| Current Tax Assets | 23.3 | 21.9 | 26.7 | 35.8 | 12.6 | 16.1 |
|---|
| Investment in Subsidiaries | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Investment Property | 72.6 | 72.8 | 65.5 | 21.3 | 29.1 | 13.7 |
|---|
| Property and Equipment | 322 | 352 | 358 | 311 | 147 | 143 |
|---|
| Goodwill and Intangible Assets | 12.3 | 14.7 | 16.8 | 7.4 | 8.2 | 10.2 |
|---|
| Other Assets | 422 | 475 | 407 | 422 | 352 | 188 |
|---|
| Total Liabilities | 30,790 | 26,927 | 26,067 | 24,275 | 20,877 | 15,459 |
|---|
| Due to Banks and FIs | 309 | 358 | 1,161 | 723 | 772 | 676 |
|---|
| Due to Nepal Rastra Bank | 39.2 | 39.2 | 28.8 | 2,497 | 586 | 2.0 |
|---|
| Derivative Financial Instruments | 2.0 | 0.40 | 2.4 | 1.9 | 0.00 | 0.00 |
|---|
| Deposits from Customers | 28,000 | 24,098 | 22,331 | 19,116 | 18,044 | 13,917 |
|---|
| Borrowings | 584 | 596 | 731 | 102 | 0.00 | 0.00 |
|---|
| Deferred Tax Liabilities | 48.1 | 65.7 | 48.9 | 22.2 | 97.1 | 16.0 |
|---|
| Other Liabilities | 640 | 603 | 597 | 647 | 563 | 332 |
|---|
| Debt Securities Issued | 1,166 | 1,166 | 1,166 | 1,166 | 816 | 516 |
|---|
| Total Equity | 3,142 | 2,848 | 2,571 | 2,198 | 2,081 | 1,636 |
|---|
| Share Capital | 1,409 | 1,409 | 1,409 | 1,252 | 1,096 | 979 |
|---|
| Retained Earnings | 195 | 67.8 | 75.6 | 145 | 191 | 133 |
|---|
| Reserves | 1,513 | 1,349 | 1,064 | 780 | 771 | 505 |
|---|
| Non Controlling Interest | 25.0 | 22.7 | 22.1 | 21.4 | 22.6 | 19.8 |
|---|
SBL 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) | 1,362 | -544 | 640 | 1,623 | 1,356 | 153 |
|---|
| Interest Received | 1,950 | 2,232 | 2,401 | 1,382 | 1,433 | 1,332 |
|---|
| Fees and Other Income Received | 230 | 198 | 182 | 172 | 150 | 115 |
|---|
| Dividend Received | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.11 |
|---|
| Receipts from Other Operating Activities | 83.3 | 36.8 | 29.7 | 50.1 | 172 | 59.6 |
|---|
| Interest Paid | -1,270 | -1,660 | -1,831 | -1,357 | -892 | -933 |
|---|
| Commission and Fees Paid | -48.6 | -41.3 | -37.4 | -32.6 | -23.6 | -19.7 |
|---|
| Cash Payment to Employees | -288 | -250 | -218 | -287 | -190 | -168 |
|---|
| Other Expense Paid | -111 | -103 | -104 | -86.3 | -95.0 | -98.1 |
|---|
| Operating Cash Flows Before Changes in Operating Assets and Liabilities | 547 | 411 | 423 | -160 | 555 | 288 |
|---|
| Due from Nepal Rastra Bank | -542 | -45.3 | -327 | 201 | 177 | -340 |
|---|
| Placement with Banks and Financial Institutions | -84.3 | -155 | -469 | 299 | -224 | -3.4 |
|---|
| Other Trading Assets | 2.3 | -4.0 | 0.71 | 5.9 | 8.6 | -11.1 |
|---|
| Loan and Advances to Banks and Financial Institutions | -241 | -59.7 | 123 | -37.6 | -202 | -73.1 |
|---|
| Loan and Advances to Customers | -2,027 | -1,259 | -705 | -2,054 | -3,596 | -1,944 |
|---|
| Other Assets | 51.2 | -63.9 | 29.1 | 425 | 967 | -379 |
|---|
| Due to Banks and Financial Institutions | -48.6 | -804 | 438 | -48.2 | 95.8 | -165 |
|---|
| Due to Nepal Rastra Bank | 0.00 | 10.3 | -2,468 | 1,911 | 584 | -96.4 |
|---|
| Deposit from Customers | 3,902 | 1,767 | 3,215 | 1,072 | 4,127 | 2,462 |
|---|
| Borrowings | -12.5 | -135 | 629 | 102 | 0.00 | 0.00 |
|---|
| Other Liabilities | -16.6 | -45.2 | -100 | 74.9 | -1,002 | 531 |
|---|
| Net Cash Flow from Operating Activities Before Tax Paid | 1,530 | -381 | 789 | 1,791 | 1,489 | 269 |
|---|
| Income Taxes Paid | -168 | -163 | -149 | -168 | -133 | -116 |
|---|
| Net Cash Flow from Investing Activities (B) | -384 | 1,829 | -154 | -1,737 | -1,542 | -405 |
|---|
| Purchase of Investment Securities | 0.00 | 0.00 | -428 | -1,776 | -1,648 | -464 |
|---|
| Receipts from Sale of Investment Securities | -659 | 1,519 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Purchase of Property and Equipment | -17.4 | -37.7 | -88.5 | -205 | -21.9 | -32.8 |
|---|
| Receipt from Sale of Property and Equipment | 0.45 | 0.00 | 0.26 | 0.49 | 0.22 | 1.2 |
|---|
| Purchase of Intangible Assets | -1.3 | -2.9 | -13.6 | -1.5 | -1.1 | -8.2 |
|---|
| Interest Received | 273 | 338 | 361 | 201 | 119 | 90.9 |
|---|
| Dividend Received | 20.7 | 12.5 | 14.9 | 43.0 | 9.8 | 7.8 |
|---|
| Net Cash Flow from Financing Activities (C) | -179 | -179 | -132 | 282 | 209 | 28.8 |
|---|
| Receipt from Issue of Debt Securities | 0.00 | 0.00 | 0.00 | 400 | 300 | 250 |
|---|
| Repayment of Debt Securities | 0.00 | 0.00 | 0.00 | -50.0 | 0.00 | -30.4 |
|---|
| Dividends Paid | -61.4 | -61.9 | -13.2 | -16.2 | -34.4 | -139 |
|---|
| Interest Paid | -117 | -117 | -117 | -50.3 | -52.1 | -50.1 |
|---|
| Other Receipt/Payment | 0.00 | 0.00 | -2.1 | -1.7 | -4.8 | -2.0 |
|---|
| Net Increase/(Decrease) in Cash and Cash Equivalents | 799 | 1,106 | 354 | 168 | 22.9 | -223 |
|---|
| Cash and Cash Equivalents at Shrawan 01 (Beginning of the Year) | 2,275 | 1,157 | 794 | 620 | 597 | 820 |
|---|
| Effect of Exchange Rate Fluctuations on Cash and Cash Equivalents Held | 5.3 | 11.4 | 9.7 | 5.8 | 0.00 | 0.00 |
|---|
| Cash and Cash Equivalents at Ashadh End | 3,080 | 2,275 | 1,157 | 794 | 620 | 597 |
|---|
SBL 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 |
|---|
| Net Interest Income | 252 | 220 | 217 | 217 | 211 | 223 | 203 | 209 |
|---|
| Interest Income | 559 | 503 | 510 | 534 | 555 | 545 | 545 | 587 |
|---|
| Interest Expense | -307 | -283 | -293 | -317 | -344 | -323 | -342 | -378 |
|---|
| Net Fee and Commission Income | 51.0 | 48.7 | 47.8 | 56.8 | 48.0 | 46.5 | 42.2 | 44.4 |
|---|
| Fee and Commission Income | 73.1 | 61.8 | 60.7 | 69.4 | 58.8 | 58.4 | 55.5 | 56.9 |
|---|
| Fee and Commission Expense | -22.1 | -13.1 | -12.9 | -12.7 | -10.8 | -11.9 | -13.3 | -12.5 |
|---|
| Net Trading Income | 17.1 | 15.7 | 11.9 | 6.4 | 24.4 | 12.2 | 0.48 | 6.8 |
|---|
| Other Operating Income | 4.1 | 8.2 | 18.0 | 31.6 | 22.2 | 13.4 | 15.1 | 15.6 |
|---|
| Total Operating Income | 325 | 293 | 295 | 311 | 305 | 295 | 261 | 276 |
|---|
| Impairment Charge/(Reversal) | 26.9 | -58.3 | -6.4 | -139 | 90.1 | 4.9 | -126 | -101 |
|---|
| Net Operating Income | 352 | 235 | 288 | 172 | 395 | 300 | 135 | 176 |
|---|
| Operating Expenses | -130 | -132 | -139 | -122 | -128 | -133 | -113 | -118 |
|---|
| Operating Expense - Personnel Expenses | -103 | -85.8 | -91.2 | -79.8 | -93.2 | -90.5 | -70.9 | -76.1 |
|---|
| Other Operating Expenses | 2.4 | -39.9 | -41.0 | -36.0 | -4.5 | -35.5 | -34.9 | -34.8 |
|---|
| Depreciation & Amortisation | -29.5 | -6.5 | -6.5 | -6.5 | -30.6 | -6.8 | -6.9 | -6.8 |
|---|
| Operating Profit | 222 | 102 | 149 | 50.1 | 267 | 167 | 22.1 | 57.8 |
|---|
| Non-Operating Income/(Expense) | -2.5 | -1.5 | 0.03 | -2.3 | 0.43 | -0.43 | -0.24 | 0.97 |
|---|
| Non-Operating Income | 0.26 | 0.71 | 0.03 | 0.03 | 0.62 | 0.03 | 0.01 | 0.97 |
|---|
| Non-Operating Expense | -2.8 | -2.2 | 0.00 | -2.3 | -0.20 | -0.46 | -0.24 | 0.00 |
|---|
| Profit Before Income Tax | 219 | 101 | 149 | 47.8 | 268 | 166 | 21.9 | 58.8 |
|---|
| Income Tax Expense | -68.6 | -28.9 | -47.0 | -16.7 | -92.8 | -50.0 | -6.7 | -18.6 |
|---|
| Current Tax | -69.9 | -28.9 | -47.0 | -16.7 | -95.2 | -50.0 | -6.7 | -18.6 |
|---|
| Deferred Tax | 1.3 | 0.00 | 0.00 | 0.00 | 2.3 | 0.00 | 0.00 | 0.00 |
|---|
| Profit for the Year | 151 | 72.0 | 103 | 31.1 | 175 | 116 | 15.2 | 40.1 |
|---|
Siddhartha Bank share price history
Over the last 15 trading sessions SBL closed between Rs. 407.70 and Rs. 458.00, finishing at Rs. 458.00 on 2026-09-22 against Rs. 408.50 on 2026-08-26.
| Date | Open | High | Low | Close | Volume |
|---|
| 2026-09-22 | 447.50 | 459.80 | 447.50 | 458.00 | 3,33,403 |
|---|
| 2026-09-18 | 450.00 | 452.90 | 445.10 | 447.90 | 4,84,794 |
|---|
| 2026-09-17 | 440.00 | 450.00 | 439.00 | 447.00 | 7,56,922 |
|---|
| 2026-09-16 | 429.50 | 433.00 | 419.00 | 431.40 | 1,64,853 |
|---|
| 2026-09-15 | 443.00 | 443.00 | 423.00 | 429.50 | 2,25,605 |
|---|
| 2026-09-14 | 418.70 | 423.60 | 418.70 | 422.00 | 1,55,348 |
|---|
| 2026-09-11 | 418.10 | 421.70 | 412.60 | 419.00 | 1,07,170 |
|---|
| 2026-09-10 | 420.20 | 422.70 | 417.80 | 417.80 | 81,396 |
|---|
| 2026-09-09 | 442.50 | 442.50 | 417.20 | 425.00 | 1,15,390 |
|---|
| 2026-09-07 | 417.00 | 423.80 | 415.00 | 421.50 | 1,54,937 |
|---|
| 2026-09-03 | 408.00 | 414.00 | 408.00 | 412.00 | 68,249 |
|---|
| 2026-09-02 | 407.90 | 411.00 | 407.90 | 408.70 | 34,952 |
|---|
| 2026-09-01 | 411.00 | 412.00 | 407.10 | 407.70 | 1,18,873 |
|---|
| 2026-08-31 | 407.00 | 413.00 | 406.10 | 411.00 | 47,057 |
|---|
| 2026-08-26 | 408.00 | 412.80 | 405.00 | 408.50 | 1,10,122 |
|---|
SBL share price by year
2026, between Rs. 367.60 and Rs. 459.80, 2025, between Rs. 248.57 and Rs. 388.57, 2024, between Rs. 202.10 and Rs. 361.90, 2023, between Rs. 212.38 and Rs. 313.33, 2022, between Rs. 242.12 and Rs. 411.68 and 2021, between Rs. 263.31 and Rs. 448.29.
| Year | Low (Rs.) | High (Rs.) | Sessions |
|---|
| 2026 | 367.60 | 459.80 | 168 |
|---|
| 2025 | 248.57 | 388.57 | 225 |
|---|
| 2024 | 202.10 | 361.90 | 232 |
|---|
| 2023 | 212.38 | 313.33 | 226 |
|---|
| 2022 | 242.12 | 411.68 | 242 |
|---|
| 2021 | 263.31 | 448.29 | 239 |
|---|
| 2020 | 166.72 | 270.59 | 184 |
|---|
| 2019 | 163.59 | 217.12 | 245 |
|---|
| 2018 | 158.09 | 213.08 | 234 |
|---|
| 2017 | 163.53 | 297.61 | 230 |
|---|
| 2016 | 139.48 | 312.99 | 110 |
|---|
| 2015 | 116.05 | 173.52 | 214 |
|---|
Siddhartha Bank share price returns
At Rs. 458.00 on 2026-09-22, SBL is up 6.64% over 1 week, up 10.63% over 1 month, up 16.99% over 3 months, up 10.92% over 6 months, up 33.20% over 1 year and up 19.33% 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 | +6.64% | 429.50 | 2026-09-15 |
|---|
| 1 month | +10.63% | 414.00 | 2026-08-21 |
|---|
| 3 months | +16.99% | 391.50 | 2026-06-24 |
|---|
| 6 months | +10.92% | 412.90 | 2026-03-26 |
|---|
| 1 year | +33.20% | 343.85 | 2025-09-21 |
|---|
| 5 years | +19.33% | 383.82 | 2021-09-23 |
|---|
SBL floorsheet for 2026-09-22
SBL traded 887 times on 2026-09-22, moving 2,96,228 shares for Rs. 13.52 crore of turnover. Trades went through between Rs. 444.00 and Rs. 470.00.
Largest buyers by volume: broker 48, Trishakti Securities Public Limited on 33,873 shares across 35 trades, broker 85, Capital Hub P. Ltd on 31,686 shares across 35 trades, broker 57, Arya Tara Investment And Securities Pvt. Ltd. on 27,007 shares across 55 trades, broker 17, ABC Securities Pvt. Limited on 20,132 shares across 48 trades, broker 34, Vision Securities Pvt.Limited on 17,950 shares across 25 trades, broker 32, Premier Securites Company Limited on 17,010 shares across 40 trades, broker 1, Kumari Securities Pvt. Limited on 12,108 shares across 26 trades, broker 25, Sweta Securities Pvt. Limited on 11,257 shares across 20 trades, broker 69, Index Securities Limited on 9,000 shares across 13 trades and broker 58, Naasa Securities Co. Ltd. on 8,159 shares across 64 trades.
Largest sellers by volume: broker 65, Sharepro Securities Private Limited on 30,386 shares across 58 trades, broker 33, Dakshinkali Investment Securities Pvt.Limited on 27,765 shares across 42 trades, broker 43, South Asian Bulls Pvt.Limited on 25,379 shares across 53 trades, broker 58, Naasa Securities Co. Ltd. on 20,493 shares across 42 trades, broker 4, Stock Broker Opal Securities Investment Pvt. Limited on 17,619 shares across 64 trades, broker 17, ABC Securities Pvt. Limited on 17,252 shares across 22 trades, broker 8, Ashutosh Brokerage & Securities Pvt. Limited on 15,842 shares across 51 trades, broker 75, NIMB Stock Markets Limited on 14,491 shares across 47 trades, broker 38, Dipshika Dhitopatra Karobar Co. Pvt.Limited on 8,341 shares across 19 trades and broker 39, Sumeru Securities Pvt.Limited on 7,684 shares across 18 trades.
SBL dividend history: bonus shares and cash dividend
Siddhartha Bank Limited most recently declared a 10% bonus share issue and a 10% cash dividend, 20% in total for 2082/2083, announced on 2026-09-22. 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% | 10% | 2026-09-22 |
| 2081/2082 | 5% | 5.53% | 2025-10-17 |
| 2080/2081 | | 4% | 2024-12-20 |
| 2079/2080 | | 4.21% | 2023-10-30 |
| 2078/2079 | 12.5% | | 2022-12-20 |
For 2082/2083 Siddhartha Bank Limited declared a 10% bonus share issue and a 10% cash dividend, 20% in total, announced on 2026-09-22.
For 2081/2082 Siddhartha Bank Limited declared a 5% bonus share issue and a 5.53% cash dividend, 10.53% in total, announced on 2025-10-17.
For 2080/2081 Siddhartha Bank Limited declared a 4% cash dividend, announced on 2024-12-20.
For 2079/2080 Siddhartha Bank Limited declared a 4.21% cash dividend, announced on 2023-10-30.
For 2078/2079 Siddhartha Bank Limited declared a 12.5% bonus share issue, announced on 2022-12-20.
SBL general meetings
Annual and special general meetings Siddhartha Bank Limited has called. A dividend is declared by the board and approved at the AGM.
- 22nd AGM for 2082/2083: on 2026-10-14
- 24th AGM for 2081/2082: on 2025-11-16, at Army Officers' Club, Bhadrakali, Kathmandu (10:00 AM) (Attendance Book will be kept open from 9:00 AM onwards)
- 24th AGM for 2081/2082
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