Agricultural Development Bank Limited

BankingHigh Cap

NPR 305.00

NPR -1-0.33%

09:14 AM NPT · Jun 26, 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.

adbl.gov.np/facebook linkedin

Trading

Open

308.00

High

308.00

Low

303.00

Prev Close

306.00

Volume

8,138

Turnover

Rs 2,477,045.6

Txns

Valuation · Q3 FY25/26

EPS Ann.

9.42

EPS TTM

18.77

BVPS

194.58

P/E Ann.

32.38

P/E TTM

16.25

Graham #

203.08

Capital

Mkt Cap

58.83 Arab

Total

19.29 Crore

Public

9.45 Crore

Promoter

9.84 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Sell

RSI

Strong Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Moderate

Momentum

RSI (14)

22.66

ADX

21.79

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

310.43

SMA 50

311.6

Bands & Channels

BB Width %

4.75%

Volume & Flow

OBV

6,689,488

Flow Analysis

[ Live 2026-06-26 ]

Total Buy

158,166

Shares Bought

Total Sell

158,166

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 51%

Distribution 49%

Accumulators

Quantity

73,180

Amount

22,346,948

Avg Rate

305.37

Rank

#10

Brokers

#65#20#40#85

Distributors

Quantity

69,148

Amount

21,036,266

Avg Rate

304.22

Rank

#11

Brokers

#33#34#57

Net Flow Impact:

+4,032units

(Rs. 1,310,681)

Net Flow by Timeframe

ADBL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 237,857 ]

Buy Side

Total: 98,570

Broker

QTY

AVG

NET

52,283

305.48

+51,772

33.1%

8,380

304.08

+6,991

5.3%

8,000

306.50

+8,000

5.1%

4,517

304.49

+3,893

2.9%

4,188

304.48

+2,982

2.6%

3,387

304.15

+3,265

2.1%

3,161

304.98

+1,649

2.0%

2,815

306.63

+2,107

1.8%

2,805

304.25

+2,250

1.8%

2,352

303.08

+419

1.5%

2,118

305.76

+18

1.3%

1,384

303.92

+735

0.9%

1,295

305.14

+1,244

0.8%

1,085

303.48

+534

0.7%

800

303.81

+800

0.5%

Sell Side

Total: 139,287

Broker

QTY

AVG

NET

55,276

304.02

-55,049

35.0%

34,132

306.78

-4,569

21.6%

7,772

304.96

-5,052

4.9%

7,645

304.27

-3,718

4.8%

6,100

305.10

-5,988

3.9%

4,717

304.95

-3,203

3.0%

4,559

305.71

-2,953

2.9%

3,812

307.90

-1,792

2.4%

3,099

304.50

-1,962

2.0%

3,026

305.05

-688

1.9%

2,520

305.50

-2,520

1.6%

1,949

305.47

-428

1.2%

1,914

305.24

-164

1.2%

1,400

306.69

-200

0.9%

1,366

306.34

-1,245

0.9%

Financial Fundamentals

Financial Metric	FY25/26 Q3	FY24/25 Q3	FY23/24 Q3	FY22/23 Q3	Growth %
Assets
Cash & Liquidity
Cash & Cash Equivalent	8,768,825	10,693,253	7,778,143	0	-18.00%
Money at Call & Short Notice	32,846,656	25,305,104	15,171,413	0	+29.80%
Due from NRB	17,972,645	12,830,573	11,366,178	0	+40.08%
Placement with B/FIs	14,874,011	12,474,531	3,805,235	0	+19.24%
Loans & Advances
Loans and Advances	228,939,178	210,343,893	199,480,856	0	+8.84%
Breakdown
Loans & Advances to B/FIs	2,189,628	3,104,375	3,460,025	0	-29.47%
Loans & Advances to Customers	226,749,551	207,239,517	196,020,832	0	+9.41%
Investments
Investment Securities	116,359,693	75,340,674	62,734,492	0	+54.44%
Investment in Subsidiaries	29,013	29,013	28,840	0	0.00%
Investment in Associates	0.00	0.00	0.00	0	-
Investment Property	1,388,874	1,009,273	303,393	0	+37.61%
Other Assets
Derivative Financial Instruments	0.00	0.00	0.00	0	-
Other Trading Assets	1,330,914	1,507,023	853,916	0	-11.69%
Current Tax Assets	174,540	448,506	196,056	0	-61.08%
Deferred Tax Assets	0.00	0.00	0.00	0	-
Goodwill and Intangible Assets	12,253	33,021	99,741	0	-62.89%
Property & Equipment	2,324,493	2,224,041	2,247,162	0	+4.52%
Other Assets	9,130,717	10,136,484	7,127,591	0	-9.92%
Total Assets	399,787,450	335,081,735	294,871,891	0	+19.31%
Liabilities
Borrowings & Funding
Borrowings	25,002,598	34,195,909	22,616,173	0	-26.88%
Borrowing	2,803,272	10,385,452	2,024,559	0	-73.01%
Debt Securities Issued	20,483,737	20,477,020	20,473,530	0	+0.03%
Subordinated Liabilities	0.00	0.00	0.00	0	-
Interbank & NRB
Due to B/FIs	1,715,589	3,333,436	114,707	0	-48.53%
Due to NRB	0.00	0.00	3377.76	0	-
Deposits	330,728,411	254,716,079	228,087,719	0	+29.84%
Other Liabilities
Derivative Financial Instruments	0.00	0.00	0.00	0	-
Provisions	0.00	0.00	0.00	0	-
Current Tax Liabilities	0.00	0.00	0.00	0	-
Deferred Tax Liabilities	394,782	398,733	292,714	0	-0.99%
Other Liabilities	5,193,568	9,075,463	8,221,173	0	-42.77%
Other Liabilities & Provisions	5,650,531	9,474,195	8,513,887	0	-40.36%
Total Liabilities	361,381,540	298,386,183	259,217,779	0	+21.11%
Shareholders Equity
Paid Up Capital	19,738,231	19,287,936	18,884,386	0	+2.33%
Share Premium	0.00	0.00	0.00	0	-
Reserves & Surpluses
Reserves	17,416,236	15,496,584	15,641,124	0	+12.39%
Reserves & Surpluses	18,667,679	17,407,615	16,769,726	0	+7.24%
Retained Earnings	1,251,443	1,911,032	1,128,602	0	-34.51%
Non-Controlling Interest	0.00	0.00	0.00	0	-
Total Equity	38,405,910	36,695,552	35,654,112	0	+4.66%
Total Liabilities & Equity	399,787,450	335,081,735	294,871,891	0	+19.31%

Sector Peers — Banking (26)

Peer Comparison

Banking SECTOR — NEPAL

2025/2026 Q3

NPR/Millions

Statement

Highlight

TICKER	Market				Key Ratios
	Price	Chg	Chg%	Mkt Cap (M)	Asset Turnover	Book Value Per Share	C/D Ratio%	Debt to Equity	EPS (Annualized)	EPS (TTM)	Graham's Number	Interest Rate Spread	Net Interest Margin	Net Profit Margin	NPL%	P/B	P/E (Annualized)	P/E (TTM)	P/S	ROA (Annualized)	ROA (TTM)%	ROE (Annualized)	ROE (TTM)%
BOKL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CCBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CZBIL	198	+2.91	+1.49%	0.03	0.06	155.99	82.18%	9.28	11.23	10.56	192.52	3.55	3.64	11.58	6.82%	1.8	18.72	19.18	3.86	0.71	0.67%	7.44	7%
EBL	700	+0.98	+0.14%	0.1	0.06	244.21	85.88%	10.3	32.35	34.91	437.97	3.12	3.47	22.17	0.61%	3.81	21.58	20.32	8.5	1.25	1.36%	13.87	14.97%
GBIME	236.7	-3.31	-1.38%	0.09	0.06	178.53	71.13%	10.39	15.4	15.93	252.96	3.3	3.47	14.76	4.97%	1.78	15.45	14.95	4.06	0.81	0.85%	8.75	9.05%
HBL	193	-1.89	-0.97%	0.04	0.06	171.96	75.01%	9.48	4.5	7.86	174.39	2.84	3.75	4.41	7.98%	1.62	46.33	25.57	3.63	0.25	0.45%	2.67	4.67%
KBL	208	0	0%	0.06	0.06	158.53	77.14%	10.41	21.24	22.91	285.86	3.13	4.31	19.36	6.94%	1.93	10.78	9.4	3.71	1.23	1.33%	14.49	15.64%
LBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
LSL	216.3	-1.7	-0.78%	0.06	0.06	175.08	77.04%	9.46	10.15	16.81	257.33	3.4	3.36	10.77	5.29%	1.64	21.23	13.16	4.07	0.59	0.99%	6.05	10.03%
MBL	243	-0.51	-0.21%	0.03	0.06	154.52	77.67%	9.69	14.66	17.02	243.26	3.53	3.52	16.36	4.01%	2.17	17.19	14.67	5	0.96	1.12%	10.65	12.38%
MEGA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NABIL	525	+3.08	+0.59%	0.14	0.06	220.95	79.5%	9.14	28.14	27.58	370.28	3.31	3.57	23.78	0.98%	3.2	18.83	19.4	7.96	1.35	1.32%	13.65	13.38%
NBB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NBL	263	-0.4	-0.15%	0.04	0.05	272.79	66.07%	10.25	25.34	25.74	397.47	3.7	3.93	17.24	4.96%	1.36	10.97	10.41	3.36	0.89	0.91%	9.49	9.64%
NCCB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NICA	331.9	+0.89	+0.27%	0.05	0.06	172.97	65.39%	13.97	1.25	0.97	61.44	3.4	4	0.8	0.49%	2.85	296	356.7	4.21	0.04	0.03%	0.67	0.52%
NIMB	191.8	-0.19	-0.1%	0.07	0.05	199.72	68.37%	8.04	12.29	15.72	265.78	2.79	3.73	13.26	8.41%	1.41	17.14	12.55	4.04	0.71	0.92%	6.29	8.05%
NMB	237.9	-0.19	-0.08%	0.05	0.06	165.59	84.68%	9.17	16.08	16.14	245.22	3.5	3.84	16.81	4.95%	2	15.45	15.07	4.62	0.99	0.99%	10.47	10.5%
PCBL	233	0	0%	0.05	0.07	171.28	83.12%	8.07	19.66	23.31	299.72	3.79	3.95	18.95	6.39%	1.91	12.49	10.3	4.21	1.31	1.56%	12.13	14.4%
PRVU	190	+0.09	+0.05%	0.05	0.06	146.26	70.61%	10.67	4.82	18.77	248.53	3.44	4.19	5.06	8.84%	1.91	43.36	10.5	3.9	0.28	1.12%	3.28	12.78%
SANIMA	352.3	+0.49	+0.14%	0.05	0.06	169.34	82.76%	9.39	20.11	20.98	282.73	3.48	3.45	18.93	3.99%	2.76	17.4	17.54	5.86	1.19	1.24%	12.97	13.53%
SBI	393.9	+3.09	+0.79%	0.04	0.06	189.57	68.57%	10.86	17.19	18.18	278.47	3.31	3.41	13.52	2.53%	2.85	23.56	21.95	5.66	0.81	0.86%	9.4	9.94%
SBL	388	-1.79	-0.46%	0.06	0.06	194.39	77.92%	9.31	14.68	20.45	299.07	3.71	3.64	13.03	3.71%	2.69	26.7	19.61	6.19	0.79	1.1%	8.28	11.54%
SCB	641.8	+0.32	+0.05%	0.07	0.04	218.59	52.95%	6.99	27.64	29.25	379.29	3.67	5.03	37.87	1.81%	3.97	23.55	22.46	15.86	1.69	1.8%	12.93	13.69%
SRBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	319.09	0.1	-0.03%	0.06	0.058	186.68	74.78%	9.72	16.49	19.06	276.24	3.39	3.79	15.48	4.65%	2.314	36.48	35.208	5.483	0.88	1.03%	9.08	10.65%
MED	240.45	0	0%	0.05	0.06	174.03	77.09%	9.47	15.74	18.48	272.13	3.42	3.69	15.56	4.96%	1.965	18.78	16.305	4.21	0.85	1.05%	9.45	11.02%
MAX	700	3.09	1.49%	0.14	0.07	272.79	85.88%	13.97	32.35	34.91	437.97	3.79	5.03	37.87	8.84%	3.97	296	356.7	15.86	1.69	1.8%	14.49	15.64%
MIN	190	-3.31	-1.38%	0.03	0.04	146.26	52.95%	6.99	1.25	0.97	61.44	2.79	3.36	0.8	0.49%	1.36	10.78	9.4	3.36	0.04	0.03%	0.67	0.52%