Agricultural Development Bank Limited

BankingHigh Cap

NPR 307.90

NPR -0.9-0.29%

09:14 AM NPT · Aug 7, 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

309.00

High

309.00

Low

304.00

Prev Close

308.80

Volume

45,973

Turnover

Rs 14,051,047

Txns

Valuation · Q3 FY25/26

EPS Ann.

9.42

EPS TTM

18.77

BVPS

194.58

P/E Ann.

32.69

P/E TTM

16.40

Graham #

203.08

Capital

Mkt Cap

59.39 Arab

Total

19.29 Crore

Public

9.45 Crore

Promoter

9.84 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Neutral

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Very Strong

Momentum

RSI (14)

43.6

ADX

40.33

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

315.1

SMA 50

311.19

Bands & Channels

BB Width %

9.31%

Volume & Flow

OBV

6,948,864

Flow Analysis

[ Live 2026-08-07 ]

Total Buy

443,484

Shares Bought

Total Sell

443,484

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 52%

Distribution 48%

Accumulators

Quantity

250,033

Amount

79,567,523

Avg Rate

318.23

Rank

Brokers

#44#56#33#58

Distributors

Quantity

234,497

Amount

74,529,254

Avg Rate

317.83

Rank

Brokers

#14#48#50#52

Net Flow Impact:

+15,536units

(Rs. 5,038,268)

Net Flow by Timeframe

ADBL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 691,226 ]

Buy Side

Total: 351,021

Broker

QTY

AVG

NET

125,938

322.06

+121,347

28.4%

49,660

318.28

+43,627

11.2%

42,226

311.67

+41,843

9.5%

32,209

311.74

+22,706

7.3%

16,937

310.89

+10,615

3.8%

12,778

318.45

+7,904

2.9%

11,396

315.53

+8,752

2.6%

11,090

310.41

+6,807

2.5%

10,000

323.10

+9,778

2.3%

9,508

310.87

+7,173

2.1%

8,102

309.52

+839

1.8%

7,572

322.67

+7,572

1.7%

6,272

314.51

+4,366

1.4%

4,010

320.37

+4,010

0.9%

3,323

321.09

+1,480

0.8%

Sell Side

Total: 340,205

Broker

QTY

AVG

NET

105,906

318.30

-94,548

23.9%

52,644

308.47

-43,207

11.9%

49,506

323.15

-47,486

11.2%

26,441

324.61

-24,651

6.0%

20,606

322.76

-16,839

4.7%

16,140

314.63

-15,940

3.6%

11,659

308.63

-5,851

2.6%

11,198

306.97

-10,120

2.5%

10,735

308.99

-10,263

2.4%

9,081

308.90

-6,267

2.0%

8,722

323.54

-6,153

2.0%

4,801

322.35

-3,990

1.1%

4,598

318.81

-1,808

1.0%

4,169

311.83

-467

0.9%

3,999

310.69

-3,999

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	202	0	0%	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	723	-2.03	-0.28%	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	251	-1.31	-0.52%	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	194.8	-0.1	-0.05%	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	215	-0.99	-0.46%	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	220.2	-2.61	-1.17%	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	255	+2	+0.79%	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	556	+3.97	+0.72%	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	269.9	+0.89	+0.33%	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	326	-1.9	-0.58%	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	195	-0.9	-0.46%	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	243.1	-0.8	-0.33%	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	240	-0.1	-0.04%	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	191	-1.31	-0.68%	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	370	-3.7	-0.99%	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	405.9	-0.49	-0.12%	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	410	-0.99	-0.24%	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	648	-6.02	-0.92%	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	328.66	-0.91	-0.28%	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	253	-0.94	-0.31%	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	723	3.97	0.79%	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	191	-6.02	-1.17%	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%