Citizens Bank International Limited

BankingLow Cap

NPR 202.00

NPR 00.00%

09:14 AM NPT · Aug 7, 2026

Est. 2007-04-20 (2064-01-07 B.S.) · Narayanhiti Path, Kathmandu, Nepal · CEO: Ganesh Raj Pokharel

Citizens Bank International Limited is a commercial bank in Nepal established on April 20, 2007 (2064/01/07 B.S.) as the 20th commercial bank in the country. Its corporate/head office is located on Narayanhiti Path, Kathmandu in the heart of Nepal’s financial hub. The bank was promoted by a consortium of industrial houses, reputed individuals, and professionals, combining business acumen with banking expertise to offer a full suite of banking services in Nepal.Over the years, Citizens Bank International has expanded its reach significantly: it operates a wide branch network across Nepal and supports digital and modern banking services including savings accounts, current accounts, remittance-linked products, international remittance, and other retail & corporate banking services. The bank has grown into a recognized name in Nepal’s banking sector, combining accessibility, regulatory compliance, and diversified services to serve personal, SME, and corporate clients.

www.ctznbank.com/facebook

Trading

Open

203.00

High

204.00

Low

201.00

Prev Close

202.00

Volume

26,917

Turnover

Rs 5,438,354

Txns

Valuation · Q3 FY25/26

EPS Ann.

11.23

EPS TTM

10.56

BVPS

155.99

P/E Ann.

17.99

P/E TTM

19.13

Graham #

198.53

Capital

Mkt Cap

29.83 Arab

Total

14.77 Crore

Public

7.24 Crore

Promoter

7.53 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Sell

RSI

Neutral

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Weak

Momentum

RSI (14)

43.32

ADX

13.84

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

203.57

SMA 50

200.74

Bands & Channels

BB Width %

9.25%

Volume & Flow

OBV

1,908,412

Flow Analysis

[ Live 2026-08-07 ]

Total Buy

269,833

Shares Bought

Total Sell

269,833

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 52%

Distribution 48%

Accumulators

Quantity

100,736

Amount

20,972,292

Avg Rate

208.19

Rank

#16

Brokers

#96#45#99

Distributors

Quantity

92,505

Amount

19,061,588

Avg Rate

206.06

Rank

#18

Brokers

#94#48#6#33#16

Net Flow Impact:

+8,231units

(Rs. 1,910,705)

Net Flow by Timeframe

CZBIL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 366,323 ]

Buy Side

Total: 202,945

Broker

QTY

AVG

NET

45,682

208.87

+28,888

16.9%

37,232

206.59

+37,232

13.8%

24,707

205.67

+11,746

9.2%

17,822

209.80

+17,822

6.6%

14,885

206.35

+11,004

5.5%

10,473

204.10

+7,068

3.9%

8,524

204.60

+7,165

3.2%

6,802

209.61

+5,774

2.5%

6,239

208.99

+3,106

2.3%

5,980

205.02

+3,481

2.2%

5,660

205.46

+80

2.1%

5,500

203.27

+5,500

2.0%

5,310

201.36

+1,524

2.0%

4,129

203.91

+1,469

1.5%

4,000

207.65

+4,000

1.5%

Sell Side

Total: 163,378

Broker

QTY

AVG

NET

28,217

203.28

-26,456

10.5%

25,068

207.45

-21,514

9.3%

15,022

208.97

-14,294

5.6%

14,504

205.45

-13,304

5.4%

12,428

208.23

-3,647

4.6%

9,958

209.20

-5,976

3.7%

9,694

206.97

-8,494

3.6%

8,968

203.23

-4,362

3.3%

7,455

209.61

-7,067

2.8%

7,344

207.39

-3,202

2.7%

5,611

202.03

-4,665

2.1%

5,127

205.85

-660

1.9%

4,942

206.31

-4,052

1.8%

4,661

204.19

-4,651

1.7%

4,379

205.54

-24

1.6%

Financial Fundamentals

Financial Metric	FY25/26 Q3	FY24/25 Q3	FY23/24 Q3	FY22/23 Q3	Growth %
Assets
Cash & Liquidity
Cash & Cash Equivalent	14,075,254	10,710,476	11,301,062	0	+31.42%
Money at Call & Short Notice	11,017,155	10,945,508	8,945,653	0	+0.65%
Due from NRB	8,313,839	7,820,165	7,192,288	0	+6.31%
Placement with B/FIs	2,703,316	3,125,343	1,753,365	0	-13.50%
Loans & Advances
Loans and Advances	170,815,349	169,095,653	154,404,806	0	+1.02%
Breakdown
Loans & Advances to B/FIs	1,424,079	1,331,377	1,834,906	0	+6.96%
Loans & Advances to Customers	169,391,270	167,764,275	152,569,900	0	+0.97%
Investments
Investment Securities	41,067,799	32,059,468	32,005,413	0	+28.10%
Investment in Subsidiaries	317,204	317,204	317,204	0	0.00%
Investment in Associates	484,631	436,482	309,974	0	+11.03%
Investment Property	1,571,231	1,031,543	462,813	0	+52.32%
Other Assets
Derivative Financial Instruments	50,922	25,628	0	0	+98.69%
Other Trading Assets	505,698	373,820	267,634	0	+35.28%
Current Tax Assets	84,002	339,818	272,331	0	-75.28%
Deferred Tax Assets	670,636	44,456	91,056	0	+1408.55%
Goodwill and Intangible Assets	180,329	166,623	167,454	0	+8.23%
Property & Equipment	4,016,828	4,129,346	3,948,245	0	-2.72%
Other Assets	5,221,455	7,186,664	6,946,538	0	-27.35%
Total Assets	248,586,906	235,912,346	218,641,708	0	+5.37%
Liabilities
Borrowings & Funding
Borrowings	8,055,428	9,319,532	10,508,440	0	-13.56%
Borrowing	0.00	0.00	0.00	0	-
Debt Securities Issued	5,473,939	5,470,264	5,466,919	0	+0.07%
Subordinated Liabilities	0.00	0.00	0.00	0	-
Interbank & NRB
Due to B/FIs	2,392,169	3,807,829	5,041,520	0	-37.18%
Due to NRB	189,321	41,439	0	0	+356.87%
Deposits	213,468,835	198,946,017	182,504,924	0	+7.30%
Other Liabilities
Derivative Financial Instruments	50,922	25,628	0	0	+98.69%
Provisions	5,307	5,307	5,307	0	0.00%
Current Tax Liabilities	0.00	0.00	0.00	0	-
Deferred Tax Liabilities	0.00	0.00	0.00	0	-
Other Liabilities	2,867,556	5,082,476	4,321,496	0	-43.58%
Other Liabilities & Provisions	2,872,863	5,087,783	4,329,359	0	-43.53%
Total Liabilities	224,397,127	213,353,332	197,342,722	0	+5.18%
Shareholders Equity
Paid Up Capital	15,507,464	14,769,013	14,200,974	0	+5.00%
Share Premium	0.00	0.00	0.00	0	-
Reserves & Surpluses
Reserves	9,186,771	7,627,379	7,079,093	0	+20.44%
Reserves & Surpluses	8,682,316	7,790,001	7,098,012	0	+11.45%
Retained Earnings	-504,455	162,622	18,919	0	-410.20%
Non-Controlling Interest	0.00	0.00	0.00	0	-
Total Equity	24,189,780	22,559,014	21,298,986	0	+7.23%
Total Liabilities & Equity	248,586,906	235,912,346	218,641,708	0	+5.37%

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)	PEG	P/E (TTM)	P/S	ROA (Annualized)	ROA (TTM)%	ROE (Annualized)	ROE (TTM)%
ADBL	307.9	-0.9	-0.29%	0.04	0.06	194.58	65.44%	9.41	9.42	18.77	286.66	3.47	3.85	9.02	5.06%	2.16	33.47	-	16.89	5.37	0.49	1%	4.95	9.86%
BOKL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CCBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
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	0.97	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	0.01	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	1.79	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	1.07	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	1.46	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	33.06	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	0.43	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	0.76	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	1.38	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	334.54	-0.96	-0.29%	0.06	0.058	188.83	73.85%	9.72	16.38	19.52	281.47	3.38	3.8	15.34	4.55%	2.334	37.3	4.548	35.081	5.567	0.87	1.05%	8.94	10.81%
MED	262.45	-0.94	-0.31%	0.05	0.06	176.81	76.03%	9.47	15.74	18.77	280.6	3.42	3.74	15.56	4.96%	2.08	20.03	1.07	15.98	4.415	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	33.06	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	0.01	9.4	3.36	0.04	0.03%	0.67	0.52%