Agricultural Development Bank Limited

BankingHigh Cap

NPR 309.00

NPR -1.7-0.55%

09:14 AM NPT · May 14, 2026

Est. 1968-01-21 · Ramshah Path, Kathmandu, Nepal · CEO: Govinda Gurung

Agriculture Development Bank Limited (ADBL) is one of Nepal’s leading “A-class” commercial banks with a strong legacy in rural and agricultural financing. Established originally as the Agricultural Development Bank in 1968, the institution played a pivotal role in providing credit to farmers, small entrepreneurs, and rural industries. Later, under BAFIA 2005, it transformed into a full-fledged public-limited commercial bank, combining its developmental mission with modern banking services. Today, ADBL operates a widespread branch network across all seven provinces and 77 districts, offering comprehensive services such as savings, loans, remittance, trade finance, digital banking, and business lending—while maintaining a strong focus on agricultural and rural development. The bank is majority-owned by the Government of Nepal (51%), with the remaining 49% held by the public, employees, and customers, giving it both a national responsibility and corporate strength. The current CEO of ADBL is Mr. Govinda Gurung, appointed on February 20, 2023, who brings more than 28 years of banking experience in Nepal and abroad. Under his leadership, the bank continues to expand its reach, enhance service quality, and strengthen its role as a key contributor to Nepal’s agricultural and economic growth.

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Trading

Open

311.00

High

311.00

Low

306.30

Prev Close

310.70

Volume

9,404

Turnover

Rs 2,892,913.2

Txns

Valuation · Q2 FY25/26

EPS Ann.

9.89

EPS TTM

19.78

BVPS

190.14

P/E Ann.

31.24

P/E TTM

15.62

Graham #

205.70

Capital

Mkt Cap

59.6 Arab

Total

19.29 Crore

Public

9.45 Crore

Promoter

9.84 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Sell

RSI

Neutral

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

44.83

ADX

29.15

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

311.57

SMA 50

315.01

Bands & Channels

BB Width %

5.26%

Volume & Flow

OBV

6,742,898

Flow Analysis

[ Live 2026-05-14 ]

Total Buy

93,442

Shares Bought

Total Sell

93,442

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 60%

Distribution 40%

Accumulators

Quantity

43,974

Amount

13,637,230

Avg Rate

310.12

Rank

#18

Brokers

#52#50#14#39

Distributors

Quantity

28,889

Amount

8,948,024

Avg Rate

309.74

Rank

#19

Brokers

#67#56#26#77

Net Flow Impact:

+15,085units

(Rs. 4,689,206)

Net Flow by Timeframe

ADBL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 130,046 ]

Buy Side

Total: 67,616

Broker

QTY

AVG

NET

21,257

310.39

+21,011

22.8%

13,671

310.18

+13,372

14.6%

6,241

310.08

+794

6.7%

5,672

310.20

+2,709

6.1%

5,271

308.23

+3,522

5.6%

3,775

311.06

+3,415

4.0%

2,034

310.50

+255

2.2%

1,625

309.70

+105

1.7%

1,602

310.09

+53

1.7%

1,303

310.28

+291

1.4%

1,200

308.06

+700

1.3%

1,131

311.32

+1,131

1.2%

1,090

310.39

+793

1.2%

1,020

310.40

+166

1.1%

724

309.91

+105

0.8%

Sell Side

Total: 62,430

Broker

QTY

AVG

NET

11,170

308.16

-8,775

11.9%

9,113

310.26

-9,102

9.8%

7,533

310.69

-2,696

8.1%

7,374

308.84

-3,142

7.9%

4,821

311.11

-4,474

5.2%

3,785

311.37

-3,655

4.0%

3,294

311.39

-3,099

3.5%

2,283

309.49

-1,905

2.4%

2,141

307.80

-1,959

2.3%

2,135

310.91

-660

2.3%

2,000

309.60

-750

2.1%

1,940

310.76

-1,353

2.1%

1,794

309.09

-1,052

1.9%

1,607

310.18

-1,607

1.7%

1,440

309.38

-1,380

1.5%

Financial Fundamentals

Financial Metric	FY25/26 Q2	FY24/25 Q2	FY23/24 Q2	FY22/23 Q2	Growth %
Assets
Cash & Liquidity
Cash & Cash Equivalent	6,848,911,121	5,822,700,300	10,959,099,052	6,395,044,788	+17.62%
Money at Call & Short Notice	47,359,377,865	20,706,269,717	12,275,527,018	6,445,193,335	+128.72%
Due from NRB	31,246,309,115	10,953,644,717	8,649,499,518	6,288,893,335	+185.26%
Placement with B/FIs	16,113,068,750	9,752,625,000	3,626,027,500	156,300,000	+65.22%
Loans & Advances
Loans and Advances	220,506,970,874	207,168,154,298	190,877,520,728	178,238,038,036	+6.44%
Breakdown
Loans & Advances to B/FIs	2,234,738,230	3,056,962,705	3,516,041,532	2,380,443,832	-26.90%
Loans & Advances to Customers	218,272,232,644	204,111,191,593	187,361,479,196	175,857,594,204	+6.94%
Investments
Investment Securities	103,457,862,869	73,915,597,188	67,770,819,216	37,703,469,351	+39.97%
Investment in Subsidiaries	29,013,000	29,013,000	28,840,000	28,840,000	0.00%
Investment in Associates	0.00	0.00	0.00	69384000.00	-
Investment Property	1,336,799,093	1,015,708,938	303,356,851	252,592,246	+31.61%
Other Assets
Derivative Financial Instruments	0.00	0.00	0.00	29099000.00	-
Other Trading Assets	1,285,163,135	1,439,127,517	2,976,911,456	1,054,822,443	-10.70%
Current Tax Assets	345,228,059	99,414,651	136,510,044	1,288,774,174	+247.26%
Deferred Tax Assets	0.00	0.00	0.00	54749388.00	-
Goodwill and Intangible Assets	18,513,734	53,668,638	99,740,643	185,394,143	-65.50%
Property & Equipment	2,333,989,899	2,248,187,371	2,259,519,630	2,225,978,023	+3.82%
Other Assets	8,635,346,162	7,652,281,470	9,218,319,235	5,752,877,340	+12.85%
Total Assets	392,157,175,811	320,150,123,086	296,906,163,873	239,695,157,267	+22.49%
Liabilities
Borrowings & Funding
Borrowings	25,931,040,316	22,851,573,286	23,173,703,775	26,465,057,868	+13.48%
Borrowing	2,803,771,847	1,982,117,495	2,024,558,568	2,137,449,000	+41.45%
Debt Securities Issued	20,484,259,132	20,477,020,373	20,473,530,263	20,469,234,585	+0.04%
Subordinated Liabilities	0.00	0.00	0.00	0.00	-
Interbank & NRB
Due to B/FIs	2,643,009,337	389,078,087	672,237,182	2,311,174,359	+579.30%
Due to NRB	0.00	3357331.00	3377762.00	1547199924.00	-100.00%
Deposits	323,444,667,038	251,272,784,132	229,368,832,638	172,847,928,091	+28.72%
Other Liabilities
Derivative Financial Instruments	0.00	0.00	0.00	29099000.00	-
Provisions	0.00	0.00	0.00	0.00	-
Current Tax Liabilities	0.00	0.00	0.00	0.00	-
Deferred Tax Liabilities	299,861,783	366,770,606	365,565,734	0	-18.24%
Other Liabilities	4,951,699,473	9,896,753,782	8,971,485,379	7,168,405,690	-49.97%
Other Liabilities & Provisions	5,251,561,256	10,263,524,388	9,337,051,113	7,197,504,690	-48.83%
Total Liabilities	354,627,268,610	284,387,881,807	261,879,587,526	206,510,490,649	+24.70%
Shareholders Equity
Paid Up Capital	19,738,231,090	19,287,936,300	18,884,386,078	18,620,627,763	+2.33%
Share Premium	0.00	0.00	0.00	0.00	-
Reserves & Surpluses
Reserves	17,071,799,483	15,244,429,634	15,389,996,202	11,953,410,174	+11.99%
Reserves & Surpluses	17,791,676,112	16,474,304,979	16,142,190,269	14,564,038,855	+8.00%
Retained Earnings	719,876,629	1,229,875,345	752,194,067	2,610,628,681	-41.47%
Non-Controlling Interest	0.00	0.00	0.00	0.00	-
Total Equity	37,529,907,202	35,762,241,279	35,026,576,347	33,184,666,618	+4.94%
Total Liabilities & Equity	392,157,175,812	320,150,123,086	296,906,163,873	239,695,157,267	+22.49%

Sector Peers — Banking (26)

Peer Comparison

Banking SECTOR — NEPAL

2025/2026 Q2

NPR/Millions

Statement

Highlight

TICKER	Market				Key Ratios
	Price	Chg	Chg%	Mkt Cap (M)	Asset Turnover	BVPS	C/D Ratio%	EPS (Annu.)	EPS (TTM)	Graham's No.	Int. Rate Spread%	NIM%	NPL%	NPM%	P/B	P/E (Annu.)	PEG	P/E (Latest)	P/E (TTM)	P/S	ROA (Annu.)%	ROA (TTM)%	ROE (Annu.)%	ROE (TTM)%
BOKL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CCBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CZBIL	203.9	+0.89	+0.44%	-	0.07	149.79	82.66%	4.63	6.39	146.75	3.69%	3.72%	6.86%	4.64%	2.62	42.33	0	40.63	29.44	7.87	0.3%	0.41%	3.14%	4.35%
EBL	703	-1.2	-0.17%	-	0.06	235.04	80.19%	30.86	36.15	437.24	3.24%	3.7%	0.68%	20.8%	5.62	21.42	0	21.57	18.41	17.82	1.22%	1.43%	13.76%	16.13%
GBIME	235	+0.49	+0.21%	-	0.06	175.29	71.55%	17.06	16.8	257.41	3.43%	3.56%	4.91%	16.19%	2.59	13.3	2.02	13.08	13.29	8.61	0.92%	0.92%	9.88%	9.74%
HBL	203.7	0	0%	-	0.06	174.23	74.89%	11.45	5.7	149.48	3.07%	3.82%	7.96%	10.94%	2.18	16.59	0	16.47	33.09	7.26	0.66%	0.33%	6.66%	3.32%
KBL	218	-1.49	-0.68%	-	0.07	151.16	76.4%	20.74	17.39	243.2	3.27%	4.84%	6.92%	17.92%	2.37	8.64	0.01	8.82	10.52	6.19	1.22%	1.02%	14.56%	12.21%
LBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
LSL	219.9	+3.7	+1.71%	-	0.06	166.23	77.44%	-2.04	10.01	193.49	3.54%	3.52%	5.5%	-2.13%	2.59	-105.39	0	-101.18	20.62	8.98	-0.12%	0.61%	-1.26%	6.19%
MBL	248	-1.5	-0.6%	-	0.06	161.63	77.99%	16.73	18.33	258.19	3.83%	3.66%	4.25%	14.75%	2.82	13.63	0.66	13.51	12.33	8.04	0.92%	1.01%	10.78%	11.82%
MEGA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NABIL	527	0	0%	-	0.06	214.49	78.12%	29.69	26.96	360.71	3.54%	3.58%	0.88%	24.78%	4.55	16.44	0.7	16.74	18.43	16.3	1.48%	1.34%	14.86%	13.5%
NBB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NBL	264	-1.99	-0.75%	-	0.05	262.43	67.48%	17.76	31.42	430.73	3.8%	3.72%	5.34%	12.57%	1.84	13.57	0.07	13.55	7.66	6.82	0.66%	1.17%	6.76%	11.98%
NCCB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NICA	351.9	-3.02	-0.85%	-	0.06	198.33	67.1%	1.76	0.95	65.11	3.85%	3.98%	7.47%	1.09%	3.41	192.05	0	183.52	340	8.38	0.06%	0.03%	0.88%	0.47%
NIMB	197.7	-1.39	-0.7%	-	0.06	194.77	69.63%	9.45	16.22	266.61	3.04%	3.72%	7.9%	9.99%	1.97	20.32	0	19.79	11.53	8.12	0.56%	0.97%	4.96%	8.54%
NMB	244	-0.1	-0.04%	-	0.06	169.36	85.09%	17.1	15.18	240.51	3.78%	3.8%	4.56%	15.47%	2.82	13.98	0	13.74	15.48	8.65	0.96%	0.85%	10.34%	9.18%
PCBL	238.3	+0.31	+0.13%	-	0.07	165.8	82.86%	19.5	20.03	273.35	3.79%	4.12%	6.38%	18.21%	2.89	12.3	10.41	11.87	11.56	8.96	1.32%	1.37%	12.32%	12.66%
PRVU	198	-0.99	-0.5%	-	0.06	146.17	70.91%	8.62	21.75	267.45	3.8%	4.24%	7.94%	8.65%	2.51	21.29	0	21.11	8.37	7.37	0.52%	1.31%	5.92%	14.95%
SANIMA	363.5	+1.01	+0.28%	-	0.07	172.39	79.42%	20.48	20.39	281.23	3.32%	3.56%	1.33%	16.43%	3.89	16.36	0.98	16.24	16.31	10.75	1.06%	1.07%	12.4%	12.36%
SBI	396	+1.11	+0.28%	-	0.06	193.1	68.68%	18.93	17.74	277.63	3.54%	3.44%	2.64%	14.18%	4.19	21.39	2.06	21.39	22.83	12.14	0.86%	0.8%	10.12%	9.5%
SBL	393	-0.51	-0.13%	-	0.06	211.23	79.05%	17.93	28.33	366.94	3.9%	3.68%	3.45%	12.71%	3.65	21.48	0.15	20.8	13.17	10.92	0.8%	1.27%	8.94%	14.15%
SCB	647	+1.1	+0.17%	-	0.05	210.97	59.77%	27.35	27.5	361.3	3.35%	4.72%	1.88%	36.84%	6	23.15	0	23.43	23.3	34.12	1.7%	1.72%	13.2%	13.28%
SRBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	325.11	-0.2	-0.07%	-	0.061	186.25	74.96%	16	18.74	270.96	3.54%	3.85%	4.82%	14.11%	3.251	21.269	0.948	20.838	34.797	10.961	0.84%	0.98%	8.79%	10.24%
MED	246	-0.05	-0.02%	-	0.06	174.76	76.92%	17.43	18.03	267.03	3.54%	3.72%	5.13%	14.47%	2.82	16.515	0.005	16.605	15.895	8.63	0.89%	1.02%	10%	11.9%
MAX	703	3.7	1.71%	-	0.07	262.43	85.09%	30.86	36.15	437.24	3.9%	4.84%	7.96%	36.84%	6	192.05	10.41	183.52	340	34.12	1.7%	1.72%	14.86%	16.13%
MIN	197.7	-3.02	-0.85%	-	0.05	146.17	59.77%	-2.04	0.95	65.11	3.04%	3.44%	0.68%	-2.13%	1.84	-105.39	0	-101.18	7.66	6.19	-0.12%	0.03%	-1.26%	0.47%