Citizens Bank International Limited

BankingLow Cap

NPR 213.40

NPR +1.4+0.66%

09:14 AM NPT · Sep 24, 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

212.00

High

215.00

Low

207.10

Prev Close

212.00

Volume

185,660

Turnover

Rs 39,564,568.6

Txns

367

Valuation · Q4 FY25/26

EPS Ann.

13.53

EPS TTM

13.53

BVPS

160.51

P/E Ann.

15.77

P/E TTM

15.77

Graham #

221.05

Capital

Mkt Cap

31.52 Arab

Total

14.77 Crore

Public

7.24 Crore

Promoter

7.53 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Strong Sell

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

77.27

ADX

38.88

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

201.97

SMA 50

202.58

Bands & Channels

BB Width %

14.26%

Volume & Flow

OBV

2,347,010

Flow Analysis

[ Live 2026-09-24 ]

Total Buy

669,751

Shares Bought

Total Sell

669,751

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 60%

Distribution 40%

Accumulators

Quantity

232,119

Amount

49,501,135

Avg Rate

213.26

Rank

#10

Brokers

#56#49#5#60

Distributors

Quantity

156,431

Amount

33,364,337

Avg Rate

213.28

Rank

#14

Brokers

#50#58#42#3#77

Net Flow Impact:

+75,688units

(Rs. 16,136,798)

Net Flow by Timeframe

CZBIL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 763,102 ]

Buy Side

Total: 417,672

Broker

QTY

AVG

NET

98,130

213.85

+84,793

14.7%

87,755

211.77

+60,127

13.1%

29,032

211.69

+7,447

4.3%

24,271

214.19

+6,509

3.6%

23,434

214.54

+3,819

3.5%

23,295

213.97

+18,485

3.5%

22,939

215.68

+19,901

3.4%

16,943

214.84

+8,889

2.5%

16,867

214.06

+1,735

2.5%

15,085

210.52

+8,781

2.3%

14,638

213.37

+6,571

2.2%

14,000

210.55

+6,000

2.1%

11,364

213.23

+2,627

1.7%

10,367

213.75

+795

1.6%

9,552

213.22

+2,523

1.4%

Sell Side

Total: 345,430

Broker

QTY

AVG

NET

43,856

213.76

-23,856

6.5%

38,467

212.71

-19,852

5.7%

33,692

213.33

-18,473

5.0%

31,718

213.83

-7,501

4.7%

24,476

211.56

-8,119

3.6%

22,754

211.93

-13,804

3.4%

21,496

212.13

-16,261

3.2%

20,491

212.51

-14,186

3.1%

18,920

214.58

-16,279

2.8%

17,666

213.41

-14,035

2.6%

15,631

213.10

-6,358

2.3%

15,560

213.32

-15,560

2.3%

14,915

212.28

-6,555

2.2%

13,993

213.53

-8,963

2.1%

11,795

213.87

-9,110

1.8%

Financial Fundamentals

Financial Metric	FY25/26 Q4	FY24/25 Q4	FY23/24 Q4	FY22/23 Q4	Growth %
Assets
Cash & Liquidity
Cash & Cash Equivalent	10,441,362	11,435,105	11,103,495	0	-8.69%
Money at Call & Short Notice	15,944,393	10,029,034	8,431,026	0	+58.98%
Due from NRB	8,833,930	8,112,517	6,678,168	0	+8.89%
Placement with B/FIs	7,110,463	1,916,517	1,752,857	0	+271.01%
Loans & Advances
Loans and Advances	171,322,970	170,211,192	155,150,303	0	+0.65%
Breakdown
Loans & Advances to B/FIs	1,181,773	1,254,373	1,821,139	0	-5.79%
Loans & Advances to Customers	170,141,197	168,956,819	153,329,164	0	+0.70%
Investments
Investment Securities	58,144,509	42,267,572	36,218,845	0	+37.56%
Investment in Subsidiaries	317,204	317,204	317,204	0	0.00%
Investment in Associates	434,677	524,299	364,714	0	-17.09%
Investment Property	1,845,275	1,260,524	821,263	0	+46.39%
Other Assets
Derivative Financial Instruments	0.00	9781.12	4096.80	0	-100.00%
Other Trading Assets	368,468	416,187	334,688	0	-11.47%
Current Tax Assets	174,120	207,846	464,644	0	-16.23%
Deferred Tax Assets	690,359	202,165	21,652	0	+241.48%
Goodwill and Intangible Assets	202,324	193,759	193,192	0	+4.42%
Property & Equipment	4,104,608	4,189,544	4,299,009	0	-2.03%
Other Assets	6,130,137	5,143,242	5,886,193	0	+19.19%
Total Assets	268,685,135	245,377,716	222,592,052	0	+9.50%
Liabilities
Borrowings & Funding
Borrowings	8,158,300	8,093,825	7,925,734	0	+0.80%
Borrowing	0.00	0.00	0.00	0	-
Debt Securities Issued	5,475,000	5,471,227	5,467,794	0	+0.07%
Subordinated Liabilities	0.00	0.00	0.00	0	-
Interbank & NRB
Due to B/FIs	2,086,589	2,581,158	2,457,941	0	-19.16%
Due to NRB	596,711	41,439	0	0	+1339.97%
Deposits	231,731,237	211,500,793	189,216,730	0	+9.57%
Other Liabilities
Derivative Financial Instruments	0.00	9781.12	4096.80	0	-100.00%
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	3,841,675	2,823,831	3,886,305	0	+36.04%
Other Liabilities & Provisions	3,903,951	2,829,138	3,891,611	0	+37.99%
Total Liabilities	243,793,488	222,423,756	201,034,076	0	+9.61%
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	8,861,081	7,409,495	6,740,838	0	+19.59%
Reserves & Surpluses	9,384,183	8,184,947	7,357,002	0	+14.65%
Retained Earnings	523,102	775,452	616,163	0	-32.54%
Non-Controlling Interest	0.00	0.00	0.00	0	-
Total Equity	24,891,647	22,953,960	21,557,976	0	+8.44%
Total Liabilities & Equity	268,685,135	245,377,716	222,592,052	0	+9.50%

Sector Peers — Banking (26)

Peer Comparison

Banking SECTOR — NEPAL

2025/2026 Q4

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	313	+1.99	+0.64%	0.04	0.05	197.11	66.78%	9.8	16.11	13.33	243.14	3.66	3.66	12.54	4.07%	1.57	19.18	-	23.56	2.91	0.67	0.67%	6.73	6.73%
BOKL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CCBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBL	697.4	+0.63	+0.09%	0.1	0.05	256.47	77.57%	9.9	36.95	36.95	461.76	3.05	3.71	25.22	0.49%	2.71	18.81	-	18.97	4.74	1.35	1.35%	15.08	15.08%
GBIME	243.8	+0.8	+0.33%	0.1	0.05	183.14	68.43%	10.76	16.34	16.34	259.48	3.29	3.54	15.45	4.96%	1.31	14.69	43.16	15.97	2.27	0.82	0.82%	9.05	9.05%
HBL	195.5	-1.5	-0.76%	0.04	0.06	177.48	72.74%	9.43	6.56	6.56	161.85	2.83	3.67	6.5	7.96%	1.1	29.65	-	30.18	1.93	0.37	0.37%	3.79	3.79%
KBL	226	+0.99	+0.44%	0.06	0.06	170.8	77.14%	9.95	28.17	28.17	329.02	3.11	4.21	25.95	7.46%	1.23	7.45	0.03	8.06	1.94	1.58	1.58%	17.99	17.99%
LBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
LSL	250	+4.11	+1.67%	0.07	0.06	177.02	74.77%	9.8	11.64	11.64	215.32	3.22	3.66	11.8	5.23%	1.22	18.48	-	21.17	2.18	0.65	0.65%	6.71	6.71%
MBL	258.5	+0.49	+0.19%	0.03	0.06	156.01	78.45%	9.89	14.01	14.01	221.76	3.48	3.55	15.4	3.98%	1.59	17.7	-	18.62	2.73	0.89	0.89%	9.93	9.93%
MEGA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NABIL	569	+4.01	+0.71%	0.15	0.06	224.31	80.18%	9.22	24.66	24.66	352.79	3.18	3.56	20.82	4.2%	2.38	21.69	-	22.83	4.52	1.15	1.15%	11.65	11.65%
NBB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NBL	292	+0.5	+0.17%	0.04	0.05	287.7	62.85%	10.46	30.63	30.63	445.28	3.54	3.92	20.49	4.18%	0.91	8.54	0.5	9.68	1.75	1.01	1.01%	11.18	11.18%
NCCB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NICA	316.3	-0.7	-0.22%	0.05	0.06	172.32	61.07%	14.32	1.22	1.22	68.78	3.5	3.9	0.79	9.26%	1.89	266.48	20.77	269.18	2.13	0.04	0.04%	0.65	0.65%
NIMB	194.6	+2.1	+1.09%	0.07	0.05	197.71	68.17%	8.09	8.05	8.05	189.24	3.15	3.84	8.73	8.66%	0.96	23.6	-	24.32	2.06	0.46	0.46%	4.07	4.07%
NMB	257.1	+3.4	+1.34%	0.05	0.06	170.79	82.77%	9.44	18.01	18.01	263.07	3.43	3.6	19.07	4.91%	1.4	13.3	18.36	14.32	2.54	1.07	1.07%	11.36	11.36%
PCBL	257	+4	+1.58%	0.05	0.07	175.8	83.36%	8.12	19.63	19.63	278.65	3.66	3.88	19.02	6.69%	1.36	12.22	-	13.19	2.33	1.25	1.25%	11.65	11.65%
PRVU	187.3	+1.01	+0.54%	0.04	0.05	140.92	67.86%	11.42	-1.02	-1.02	-	3.28	4.18	-1.09	15.55%	1.35	-185.88	-	-185.39	2.03	-0.05	-0.05%	-0.67	-0.67%
SANIMA	368	0	0%	0.05	0.06	177.07	80.77%	9.55	22.78	22.78	301.26	3.39	3.42	21.38	1.02%	1.98	15.36	0.8	16.24	3.28	1.28	1.28%	14.05	14.05%
SBI	404.2	-2.81	-0.69%	0.05	0.06	194.73	71.16%	10.25	18.04	18.04	281.14	3.21	3.51	14.11	2.92%	2.02	21.78	2.48	22.53	3.08	0.84	0.84%	9.59	9.59%
SBL	456.8	-0.18	-0.04%	0.07	0.06	201.81	73.63%	9.56	19.24	19.24	295.57	3.69	3.73	16.71	1.06%	1.96	20.53	-	23.28	3.43	0.96	0.96%	10.36	10.36%
SCB	657.2	+2.03	+0.31%	0.07	0.04	225.77	47.24%	6.94	28.38	28.38	379.69	3.77	5.62	38.39	2.03%	2.95	23.47	-	23.15	9.01	1.7	1.7%	12.82	12.82%
SRBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	341.32	1.16	0.41%	0.06	0.056	193.72	71.94%	9.83	17.74	17.59	279.28	3.36	3.84	16.18	5.26%	1.661	20.39	12.3	21.659	3.048	0.89	0.89%	9.22	9.22%
MED	275.25	0.9	0.32%	0.05	0.06	180.31	73.19%	9.8	18.03	18.03	278.65	3.34	3.69	16.08	4.56%	1.485	18.65	2.48	20.07	2.435	0.93	0.93%	10.15	10.15%
MAX	697.4	4.11	1.67%	0.15	0.07	287.7	83.36%	14.32	36.95	36.95	461.76	3.77	5.62	38.39	15.55%	2.95	266.48	43.16	269.18	9.01	1.7	1.7%	17.99	17.99%
MIN	187.3	-2.81	-0.76%	0.03	0.04	140.92	47.24%	6.94	-1.02	-1.02	68.78	2.83	3.42	-1.09	0.49%	0.91	-185.88	0.03	-185.39	1.75	-0.05	-0.05%	-0.67	-0.67%