Shine Resunga Development Bank Ltd. (SHINE) Share Price & Fundamentals

Shine Resunga Development Bank (SHINE) share price is Rs. 404.90, up 1.22% on 2026-10-12. Open Rs. 398.20. High Rs. 405.00. Low Rs. 398.20. Volume 21,666.

Shine Resunga Development Bank Ltd. is a NEPSE-listed company (SHINE), Development Banks sector. Revenue: Rs. 316.79 Crore. Net profit: Rs. 118.13 Crore. Net worth: Rs. 738.37 Crore.

About Shine Resunga Development Bank Ltd.

Shine Resunga Development Bank Limited began as Shine Development Bank, registered on Falgun 11, 2065 BS (February 2009) in Butwal, Rupandehi. It is a Class 'B' development bank licensed by Nepal Rastra Bank and operates at national level, a status obtained in 2076 BS (2019). The bank has grown largely through consolidation: it merged with Resunga Bikas Bank in 2069 BS, taking the combined Shine Resunga name; merged with Gaumukhi Bikas Bank of Pyuthan in 2073 BS; and acquired Bhaargav Bikas Bank and Purnima Bikas Bank in 2076 BS. Its head office is at Kalikanagar, Butwal-11, Rupandehi, in Lumbini Province. The bank lists 87 branches, spread across Lumbini, Bagmati, Gandaki, Karnali and Sudurpashchim provinces. Business lines cover deposit taking (savings, fixed, recurring, call and current accounts), business, consumer, agricultural and microfinance lending, remittance, VISA debit and credit cards, ATM and POS networks, and the DigiShine mobile banking platform. Paid-up capital is about Rs 5.02 billion across 50,219,730 listed shares.

Shine Resunga Development Bank Ltd. (SHINE) has 5,02,19,727 shares outstanding. It listed on NEPSE in 2016. Its most recent declared dividend was 10.00% on face value.

SHINE key metrics

SHINE strengths

What Shine Resunga Development Bank Ltd.'s own accounts show in its favour, graded against the rest of its sector.

• Profit grew 83% on last year. (Growth)
• Lends out 79.3% of deposits, comfortably within the 90% Nepal Rastra Bank allows. (Liquidity & Funding)
• 98.4% of its funding comes from customer deposits, which are cheap and stable. (Liquidity & Funding)
• Turns 37.3% of its income into profit once every cost is paid. (Profitability)
• 89.2% of income comes from lending, which is steady and predictable. (Margins & Income Quality)
• Keeps 54.9% of income as profit from everyday banking, before tax. (Profitability)
• Only 0% of funding is borrowed, so the bank largely funds itself. (Liquidity & Funding)
• Bad-loan charges come to 6.6% of income, so borrowers are paying back well. (Asset Quality)

SHINE 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 8.7%, below what owners would hope for. (Profitability)
• Return on everything it owns is 0.8%, so its assets are not producing much. (Profitability)
• Each share is backed by only Rs 147.03 of net worth. (Shareholder Returns)
• Only 0.9% of income comes from outside interest, so a change in rates hits hard. (Margins & Income Quality)
• Makes only 3.3% from the gap between lending and deposit rates, so core earnings are squeezed. (Margins & Income Quality)
• Only 9.2% of what it owns belongs to shareholders, so there is less cushion for losses. (Capital Strength)
• Each share produced Rs 23.52 over the year. (Shareholder Returns)
• Income from lending moved 6.9%, so the core business is not growing. (Growth)
• Only 9.8% of income comes from fees, so it leans heavily on lending. (Margins & Income Quality)
• Owns 10.88x for every rupee shareholders put in. A high multiple magnifies losses as well as gains. (Capital Strength)
• The loan book moved 9.4%, so lending is not expanding. (Growth)
• Deposits moved 8.8%, so its cheapest source of funding is not growing. (Growth)
• Total income moved 6.4% on last year. (Growth)
• Staff costs take 25.4% of income, a heavy load on earnings. (Efficiency)
• Loans are 70.8% of what the bank owns, so most of its risk sits in lending. (Asset Quality)
• The bank's size moved 9.1% over the year. (Shareholder Returns)

SHINE Q4 2082/83 results

In Q4 2082/83 Shine Resunga Development Bank Ltd. reported profit of Rs. 39.29 crore and total operating income of Rs. 85.01 crore. Profit in Q3 2082/83 was Rs. 38.41 crore. Profit grew 2.28% on the previous quarter. Total operating income fell 0.79% on the previous quarter. Profit in Q4 2081/82, the same quarter a year earlier, was Rs. 17.46 crore. Profit grew 124.99% on the same quarter last year. Total operating income grew 2.34% on the same quarter last year.

SHINE annual results 2082/83

For the financial year 2082/83 Shine Resunga Development Bank Ltd. reported net profit of Rs. 118.13 crore, total operating income of Rs. 316.79 crore and net worth of Rs. 738.37 crore. Net profit in 2081/82 was Rs. 64.56 crore. Net profit grew 82.97% on the year. Total operating income grew 6.39% on the year.

SHINE profit and loss for 2082/83

In the financial year 2082/83, Shine Resunga Development Bank Ltd. reported net interest income of Rs. 282.67 crore, net fee and commission income of Rs. 31.16 crore, net trading income of Rs. 0 crore, other operating income of Rs. 2.96 crore, total operating income of Rs. 316.79 crore, impairment charge/(reversal) of Rs. 20.8 crore, net operating income of Rs. 296 crore, operating expenses of Rs. 122.21 crore, operating profit of Rs. 173.79 crore, non-operating income/(expense) of Rs. 6.04 crore, profit before income tax of Rs. 167.75 crore, income tax expense of Rs. 49.62 crore and profit for the year of Rs. 118.13 crore.

Reported under net interest income: interest income of Rs. 601 crore and interest expense of Rs. 318.33 crore. Reported under net fee and commission income: fee and commission income of Rs. 35.24 crore and fee and commission expense of Rs. 4.08 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 80.43 crore, other operating expenses of Rs. 29.57 crore and depreciation & amortisation of Rs. 12.21 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0 crore and non-operating expense of Rs. 6.04 crore. Reported under income tax expense: current tax of Rs. 53.37 crore and deferred tax of Rs. 3.75 crore.

SHINE profit and loss for 2081/82

In the financial year 2081/82, Shine Resunga Development Bank Ltd. reported net interest income of Rs. 264.44 crore, net fee and commission income of Rs. 30.19 crore, net trading income of Rs. 0 crore, other operating income of Rs. 3.15 crore, total operating income of Rs. 297.78 crore, impairment charge/(reversal) of Rs. 95.04 crore, net operating income of Rs. 202.74 crore, operating expenses of Rs. 111.62 crore, operating profit of Rs. 91.11 crore, non-operating income/(expense) of Rs. 1.46 crore, profit before income tax of Rs. 89.65 crore, income tax expense of Rs. 25.09 crore and profit for the year of Rs. 64.56 crore.

Reported under net interest income: interest income of Rs. 638.52 crore and interest expense of Rs. 374.09 crore. Reported under net fee and commission income: fee and commission income of Rs. 33.73 crore and fee and commission expense of Rs. 3.54 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 71.43 crore, other operating expenses of Rs. 27.9 crore and depreciation & amortisation of Rs. 12.3 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.11 crore and non-operating expense of Rs. 1.57 crore. Reported under income tax expense: current tax of Rs. 28.15 crore and deferred tax of Rs. 3.06 crore.

SHINE profit and loss for 2080/81

In the financial year 2080/81, Shine Resunga Development Bank Ltd. reported net interest income of Rs. 235.02 crore, net fee and commission income of Rs. 29.97 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.79 crore, total operating income of Rs. 265.78 crore, impairment charge/(reversal) of Rs. 49.1 crore, net operating income of Rs. 216.68 crore, operating expenses of Rs. 110.3 crore, operating profit of Rs. 106.39 crore, non-operating income/(expense) of Rs. 0.79 crore, profit before income tax of Rs. 105.6 crore, income tax expense of Rs. 37.07 crore and profit for the year of Rs. 68.53 crore.

Reported under net interest income: interest income of Rs. 716.94 crore and interest expense of Rs. 481.91 crore. Reported under net fee and commission income: fee and commission income of Rs. 33.36 crore and fee and commission expense of Rs. 3.39 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 72.06 crore, other operating expenses of Rs. 30.11 crore and depreciation & amortisation of Rs. 8.12 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.05 crore and non-operating expense of Rs. 0.84 crore. Reported under income tax expense: current tax of Rs. 38.69 crore and deferred tax of Rs. 1.63 crore.

SHINE balance sheet for 2081/82

In the financial year 2081/82, Shine Resunga Development Bank Ltd. reported total assets of Rs. 8,035.32 crore, total liabilities of Rs. 7,296.95 crore and total equity of Rs. 738.37 crore.

Reported under total assets: cash and cash equivalents of Rs. 211.79 crore, due from nepal rastra bank of Rs. 327.36 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. 131.41 crore, loans and advances to customers of Rs. 5,690.71 crore, investment securities of Rs. 1,529.36 crore, current tax assets of Rs. 11.41 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investment property of Rs. 15.2 crore, property and equipment of Rs. 71.51 crore, goodwill and intangible assets of Rs. 13.69 crore, deferred tax assets of Rs. 0 crore and other assets of Rs. 32.89 crore. Reported under total liabilities: due to banks and fis of Rs. 72.6 crore, due to nepal rastra bank of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, deposits from customers of Rs. 7,176.71 crore, borrowings of Rs. 0.04 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 2.7 crore, other liabilities of Rs. 44.91 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 487.57 crore, share premium of Rs. 0 crore, retained earnings of Rs. 66.85 crore, reserves of Rs. 183.95 crore and non controlling interest of Rs. 0 crore.

SHINE balance sheet for 2080/81

In the financial year 2080/81, Shine Resunga Development Bank Ltd. reported total assets of Rs. 7,365.64 crore, total liabilities of Rs. 6,676.45 crore and total equity of Rs. 689.19 crore.

Reported under total assets: cash and cash equivalents of Rs. 222.4 crore, due from nepal rastra bank of Rs. 273.85 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. 175.06 crore, loans and advances to customers of Rs. 5,201.14 crore, investment securities of Rs. 1,360.42 crore, current tax assets of Rs. 5.65 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investment property of Rs. 13 crore, property and equipment of Rs. 61.11 crore, goodwill and intangible assets of Rs. 13.95 crore, deferred tax assets of Rs. 0 crore and other assets of Rs. 39.06 crore. Reported under total liabilities: due to banks and fis of Rs. 36.9 crore, due to nepal rastra bank of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, deposits from customers of Rs. 6,595.62 crore, borrowings of Rs. 0.46 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 4.13 crore, other liabilities of Rs. 39.33 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 473.37 crore, share premium of Rs. 0 crore, retained earnings of Rs. 41.74 crore, reserves of Rs. 174.09 crore and non controlling interest of Rs. 0 crore.

SHINE balance sheet for 2079/80

In the financial year 2079/80, Shine Resunga Development Bank Ltd. reported total assets of Rs. 6,341.88 crore, total liabilities of Rs. 5,724.27 crore and total equity of Rs. 617.61 crore.

Reported under total assets: cash and cash equivalents of Rs. 517.24 crore, due from nepal rastra bank of Rs. 230.33 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. 192.36 crore, loans and advances to customers of Rs. 4,374.45 crore, investment securities of Rs. 908.72 crore, current tax assets of Rs. 7.72 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investment property of Rs. 9.03 crore, property and equipment of Rs. 62.04 crore, goodwill and intangible assets of Rs. 13.01 crore, deferred tax assets of Rs. 0 crore and other assets of Rs. 26.98 crore. Reported under total liabilities: due to banks and fis of Rs. 73.31 crore, due to nepal rastra bank of Rs. 30 crore, derivative financial instruments of Rs. 0 crore, deposits from customers of Rs. 5,568.29 crore, borrowings of Rs. 1.88 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 4.27 crore, other liabilities of Rs. 46.52 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 428.39 crore, share premium of Rs. 0 crore, retained earnings of Rs. 47.73 crore, reserves of Rs. 141.49 crore and non controlling interest of Rs. 0 crore.

SHINE cash flow for 2081/82

In the financial year 2081/82, Shine Resunga Development Bank Ltd. reported net cash flow from operating activities (a) of Rs. 185.19 crore, net cash flow from investing activities (b) of Rs. 193.44 crore, net cash flow from financing activities (c) of Rs. 2.37 crore, net increase/(decrease) in cash and cash equivalents of Rs. 10.62 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 222.4 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. 211.79 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 648.91 crore, fees and other income received of Rs. 33.84 crore, dividend received of Rs. 1.03 crore, receipts from other operating activities of Rs. 1.98 crore, interest paid of Rs. 373.81 crore, commission and fees paid of Rs. 3.54 crore, cash payment to employees of Rs. 62.84 crore, other expense paid of Rs. 19.9 crore, operating cash flows before changes in operating assets and liabilities of Rs. 225.67 crore, due from nepal rastra bank of Rs. 53.51 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. 43.65 crore, loan and advances to customers of Rs. 596.45 crore, other assets of Rs. 0.41 crore, due to banks and financial institutions of Rs. 35.7 crore, due to nepal rastra bank of Rs. 0 crore, deposit from customers of Rs. 581.09 crore, borrowings of Rs. 0.42 crore, other liabilities of Rs. 24.42 crore, net cash flow from operating activities before tax paid of Rs. 211.71 crore and income taxes paid of Rs. 26.52 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 168.94 crore, receipts from sale of investment securities of Rs. 0 crore, purchase of property and equipment of Rs. 21.89 crore, receipt from sale of property and equipment of Rs. 0.13 crore, purchase of intangible assets of Rs. 0.54 crore and purchase of investment properties of Rs. 2.2 crore. Reported under net cash flow from financing activities (c): receipt from issue of debt securities of Rs. 0 crore, receipt from issue of subordinated liabilities of Rs. 0 crore, receipt from issue of shares of Rs. 0 crore, dividends paid of Rs. 2.37 crore, interest paid of Rs. 0 crore and other receipt/payment of Rs. 0 crore.

SHINE cash flow for 2080/81

In the financial year 2080/81, Shine Resunga Development Bank Ltd. reported net cash flow from operating activities (a) of Rs. 170.84 crore, net cash flow from investing activities (b) of Rs. 463.74 crore, net cash flow from financing activities (c) of Rs. 1.96 crore, net increase/(decrease) in cash and cash equivalents of Rs. 294.87 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 517.24 crore, effect of exchange rate fluctuations on cash and cash equivalents held of Rs. 0.03 crore and cash and cash equivalents at ashadh end of Rs. 222.4 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 696.44 crore, fees and other income received of Rs. 33.41 crore, dividend received of Rs. 1.04 crore, receipts from other operating activities of Rs. 0.34 crore, interest paid of Rs. 486.87 crore, commission and fees paid of Rs. 3.39 crore, cash payment to employees of Rs. 59.16 crore, other expense paid of Rs. 31.6 crore, operating cash flows before changes in operating assets and liabilities of Rs. 149.54 crore, due from nepal rastra bank of Rs. 43.52 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. 16.44 crore, loan and advances to customers of Rs. 855.02 crore, other assets of Rs. 10.01 crore, due to banks and financial institutions of Rs. 36.41 crore, due to nepal rastra bank of Rs. 30 crore, deposit from customers of Rs. 1,027.33 crore, borrowings of Rs. 1.41 crore, other liabilities of Rs. 8.9 crore, net cash flow from operating activities before tax paid of Rs. 208.04 crore and income taxes paid of Rs. 37.21 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 451.7 crore, receipts from sale of investment securities of Rs. 0 crore, purchase of property and equipment of Rs. 6.01 crore, receipt from sale of property and equipment of Rs. 0.05 crore, purchase of intangible assets of Rs. 2.11 crore and purchase of investment properties of Rs. 3.97 crore. Reported under net cash flow from financing activities (c): receipt from issue of debt securities of Rs. 0 crore, receipt from issue of subordinated liabilities of Rs. 0 crore, receipt from issue of shares of Rs. 0 crore, dividends paid of Rs. 1.96 crore, interest paid of Rs. 0 crore and other receipt/payment of Rs. 0 crore.

SHINE cash flow for 2079/80

In the financial year 2079/80, Shine Resunga Development Bank Ltd. reported net cash flow from operating activities (a) of Rs. 381.16 crore, net cash flow from investing activities (b) of Rs. 279.09 crore, net cash flow from financing activities (c) of Rs. 0 crore, net increase/(decrease) in cash and cash equivalents of Rs. 102.07 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 415.18 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. 517.24 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 684.49 crore, fees and other income received of Rs. 28.66 crore, dividend received of Rs. 1.21 crore, receipts from other operating activities of Rs. 0.22 crore, interest paid of Rs. 485.42 crore, commission and fees paid of Rs. 3.11 crore, cash payment to employees of Rs. 55.55 crore, other expense paid of Rs. 20.4 crore, operating cash flows before changes in operating assets and liabilities of Rs. 150.1 crore, due from nepal rastra bank of Rs. 98.03 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. 139.67 crore, loan and advances to customers of Rs. 944.77 crore, other assets of Rs. 15.62 crore, due to banks and financial institutions of Rs. 55.98 crore, due to nepal rastra bank of Rs. 110.8 crore, deposit from customers of Rs. 1,240.63 crore, borrowings of Rs. 0.63 crore, other liabilities of Rs. 2.04 crore, net cash flow from operating activities before tax paid of Rs. 414.5 crore and income taxes paid of Rs. 33.34 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 257.8 crore, receipts from sale of investment securities of Rs. 0 crore, purchase of property and equipment of Rs. 11.36 crore, receipt from sale of property and equipment of Rs. 0.13 crore, purchase of intangible assets of Rs. 1.04 crore and purchase of investment properties of Rs. 9.03 crore. Reported under net cash flow from financing activities (c): receipt from issue of debt securities of Rs. 0 crore, receipt from issue 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.

SHINE quarterly for Q4 2082/83

In the quarter Q4 2082/83, Shine Resunga Development Bank Ltd. reported net interest income of Rs. 76.67 crore, net fee and commission income of Rs. 8.15 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.19 crore, total operating income of Rs. 85.01 crore, impairment charge/(reversal) of Rs. 12.25 crore, net operating income of Rs. 97.26 crore, operating expenses of Rs. 39.21 crore, operating profit of Rs. 58.05 crore, non-operating income/(expense) of Rs. 2.93 crore, profit before income tax of Rs. 55.12 crore, income tax expense of Rs. 15.83 crore and profit for the year of Rs. 39.29 crore.

Reported under net interest income: interest income of Rs. 153.7 crore and interest expense of Rs. 77.03 crore. Reported under net fee and commission income: fee and commission income of Rs. 9.72 crore and fee and commission expense of Rs. 1.57 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 27.87 crore, other operating expenses of Rs. 7.99 crore and depreciation & amortisation of Rs. 3.35 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0 crore and non-operating expense of Rs. 2.93 crore. Reported under income tax expense: current tax of Rs. 19.58 crore and deferred tax of Rs. 3.75 crore.

SHINE quarterly for Q3 2082/83

In the quarter Q3 2082/83, Shine Resunga Development Bank Ltd. reported net interest income of Rs. 77.59 crore, net fee and commission income of Rs. 7.94 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.16 crore, total operating income of Rs. 85.69 crore, impairment charge/(reversal) of Rs. 1.58 crore, net operating income of Rs. 84.11 crore, operating expenses of Rs. 28.95 crore, operating profit of Rs. 55.16 crore, non-operating income/(expense) of Rs. 0.28 crore, profit before income tax of Rs. 54.87 crore, income tax expense of Rs. 16.46 crore and profit for the year of Rs. 38.41 crore.

Reported under net interest income: interest income of Rs. 152.97 crore and interest expense of Rs. 75.37 crore. Reported under net fee and commission income: fee and commission income of Rs. 8.91 crore and fee and commission expense of Rs. 0.97 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 18.12 crore, other operating expenses of Rs. 7.87 crore and depreciation & amortisation of Rs. 2.97 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0 crore and non-operating expense of Rs. 0.28 crore. Reported under income tax expense: current tax of Rs. 16.46 crore and deferred tax of Rs. 0 crore.

SHINE quarterly for Q2 2082/83

In the quarter Q2 2082/83, Shine Resunga Development Bank Ltd. reported net interest income of Rs. 63.89 crore, net fee and commission income of Rs. 7.96 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.21 crore, total operating income of Rs. 72.06 crore, impairment charge/(reversal) of Rs. 15.92 crore, net operating income of Rs. 56.13 crore, operating expenses of Rs. 24.56 crore, operating profit of Rs. 31.58 crore, non-operating income/(expense) of Rs. 2.83 crore, profit before income tax of Rs. 28.75 crore, income tax expense of Rs. 8.62 crore and profit for the year of Rs. 20.12 crore.

Reported under net interest income: interest income of Rs. 143.2 crore and interest expense of Rs. 79.32 crore. Reported under net fee and commission income: fee and commission income of Rs. 8.94 crore and fee and commission expense of Rs. 0.98 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 14.73 crore, other operating expenses of Rs. 6.85 crore and depreciation & amortisation of Rs. 2.97 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0 crore and non-operating expense of Rs. 2.83 crore. Reported under income tax expense: current tax of Rs. 8.62 crore and deferred tax of Rs. 0 crore.

SHINE quarterly for Q1 2082/83

In the quarter Q1 2082/83, Shine Resunga Development Bank Ltd. reported net interest income of Rs. 64.52 crore, net fee and commission income of Rs. 7.11 crore, net trading income of Rs. 0 crore, other operating income of Rs. 2.41 crore, total operating income of Rs. 74.03 crore, impairment charge/(reversal) of Rs. 15.54 crore, net operating income of Rs. 58.49 crore, operating expenses of Rs. 29.49 crore, operating profit of Rs. 29.01 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 29.01 crore, income tax expense of Rs. 8.7 crore and profit for the year of Rs. 20.3 crore.

Reported under net interest income: interest income of Rs. 151.13 crore and interest expense of Rs. 86.61 crore. Reported under net fee and commission income: fee and commission income of Rs. 7.67 crore and fee and commission expense of Rs. 0.56 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 19.71 crore, other operating expenses of Rs. 6.85 crore and depreciation & amortisation of Rs. 2.92 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. 8.7 crore and deferred tax of Rs. 0 crore.

SHINE Profit & Loss

Values in Rs. Crore unless stated otherwise.

SHINE Balance Sheet

Values in Rs. Crore unless stated otherwise.

SHINE Cash Flow

Values in Rs. Crore unless stated otherwise.

SHINE Quarterly Results

Values in Rs. Crore unless stated otherwise.

Shine Resunga Development Bank share price history

Over the last 15 trading sessions SHINE closed between Rs. 393.90 and Rs. 433.00, finishing at Rs. 404.90 on 2026-10-12 against Rs. 430.00 on 2026-09-18.

SHINE share price by year

2026, between Rs. 391.00 and Rs. 449.70, 2025, between Rs. 370.87 and Rs. 484.47, 2024, between Rs. 332.74 and Rs. 589.12, 2023, between Rs. 256.08 and Rs. 410.03, 2022, between Rs. 192.06 and Rs. 356.12 and 2021, between Rs. 159.50 and Rs. 444.56.

Shine Resunga Development Bank share price returns

At Rs. 404.90 on 2026-10-12, SHINE is up 0.82% over 1 week, down 4.05% over 1 month, up 1.86% over 3 months, down 2.60% over 6 months, up 1.74% over 1 year and up 29.97% over 5 years. Each return compares that close with the last close on or before the same date in the earlier period.

SHINE floorsheet for 2026-10-12

SHINE traded 88 times on 2026-10-12, moving 21,666 shares for Rs. 0.87 crore of turnover. Trades went through between Rs. 391.00 and Rs. 405.00.

Largest buyers by volume: broker 66, Miyo Securities Pvt Ltd on 10,796 shares across 36 trades, broker 39, Sumeru Securities Pvt.Limited on 4,446 shares across 7 trades, broker 75, NIMB Stock Markets Limited on 1,900 shares across 11 trades, broker 42, Sani Securities Company Limited on 1,210 shares across 8 trades, broker 59, Deevyaa Securities & Stock House Pvt. Ltd on 1,000 shares across 1 trades, broker 98, Trademow Securities Private Limited on 700 shares across 2 trades, broker 22, Siprabi Securities Pvt. Limited on 500 shares across 2 trades, broker 21, Midas Stock Broking Company Pvt. Limited on 455 shares across 3 trades, broker 13, Thrive Brokerage House Pvt. Limited on 205 shares across 5 trades and broker 58, Naasa Securities Co. Ltd. on 170 shares across 2 trades.

Largest sellers by volume: broker 16, Primo Securities Pvt. Limited on 4,029 shares across 2 trades, broker 67, Property Wizard Limited on 3,500 shares across 6 trades, broker 42, Sani Securities Company Limited on 2,021 shares across 7 trades, broker 21, Midas Stock Broking Company Pvt. Limited on 2,003 shares across 8 trades, broker 35, Kohinoor Investment and Securities Pvt.Ltd on 1,626 shares across 5 trades, broker 74, Kalash Stock Market Pvt. Ltd. on 1,162 shares across 4 trades, broker 58, Naasa Securities Co. Ltd. on 1,085 shares across 4 trades, broker 57, Arya Tara Investment And Securities Pvt. Ltd. on 802 shares across 4 trades, broker 49, Online Securities Limited on 580 shares across 2 trades and broker 17, ABC Securities Pvt. Limited on 500 shares across 1 trades.

SHINE dividend history: bonus shares and cash dividend

Shine Resunga Development Bank Ltd. most recently declared a 6% bonus share issue and a 10% cash dividend, 16% in total for 2082/2083, announced on 2026-09-21. Percentages are of paid up value. Declared, not necessarily paid: a dividend is subject to the annual general meeting approving it.

For 2082/2083 Shine Resunga Development Bank Ltd. declared a 6% bonus share issue and a 10% cash dividend, 16% in total, announced on 2026-09-21.

For 2081/2082 Shine Resunga Development Bank Ltd. declared a 3% bonus share issue and a 10% cash dividend, 13% in total, announced on 2025-11-20.

For 2080/2081 Shine Resunga Development Bank Ltd. declared a 3% bonus share issue and a 5% cash dividend, 8% in total, announced on 2024-12-09.

For 2079/2080 Shine Resunga Development Bank Ltd. declared a 10.5% bonus share issue, announced on 2023-11-09.

For 2078/2079 Shine Resunga Development Bank Ltd. declared a 13.3% bonus share issue, announced on 2022-12-18.

SHINE general meetings

Annual and special general meetings Shine Resunga Development Bank Ltd. has called. A dividend is declared by the board and approved at the AGM.

• 18th AGM for 2082/2083: on 2026-10-14
• 17th AGM for 2081/2082: on 2025-12-12, at Hotel Saffron C.K. Pvt. Ltd (Hyatt Palace), Butwal, Lumbini (12:30 PM)
• 16th AGM for 2080/2081: on 2025-01-03, at Dreamland Gold Resort & Hotel Pvt. Ltd., Manigram, Rupandehi (11:00 AM)

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

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