Citizens Bank International Limited

BankingLow Cap

NPR 207.50

NPR 00.00%

09:14 AM NPT · May 11, 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

210.00

High

210.00

Low

206.10

Prev Close

207.50

Volume

26,829

Turnover

Rs 5,595,993.8

Txns

153

Valuation · Q2 FY25/26

EPS Ann.

4.63

EPS TTM

6.39

BVPS

149.79

P/E Ann.

44.82

P/E TTM

32.47

Graham #

124.92

Capital

Mkt Cap

30.65 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)

49.59

ADX

11.76

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

207.48

SMA 50

211.79

Bands & Channels

BB Width %

7.23%

Volume & Flow

OBV

2,305,512

Flow Analysis

[ Live 2026-05-11 ]

Total Buy

180,882

Shares Bought

Total Sell

180,882

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 59%

Distribution 41%

Accumulators

Quantity

84,685

Amount

17,474,892

Avg Rate

206.35

Rank

#12

Brokers

#64#14#38#33

Distributors

Quantity

59,906

Amount

12,256,839

Avg Rate

204.60

Rank

#13

Brokers

#4#16#45#47

Net Flow Impact:

+24,779units

(Rs. 5,218,053)

Net Flow by Timeframe

CZBIL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 257,489 ]

Buy Side

Total: 139,554

Broker

QTY

AVG

NET

50,900

207.21

+50,900

28.1%

12,241

203.85

+10,680

6.8%

11,870

205.95

+6,022

6.6%

10,805

208.97

+8,230

6.0%

10,739

202.50

+9,421

5.9%

7,678

205.39

+6,080

4.2%

6,548

203.35

+1,366

3.6%

5,368

205.73

+4,656

3.0%

5,020

203.00

+1,869

2.8%

5,000

203.00

+4,205

2.8%

4,694

201.85

+1,088

2.6%

3,500

204.34

+2,070

1.9%

2,673

200.53

+2,226

1.5%

1,287

203.97

+175

0.7%

1,231

207.75

+413

0.7%

Sell Side

Total: 117,935

Broker

QTY

AVG

NET

20,199

202.49

-15,548

11.2%

15,418

203.50

-10,588

8.5%

15,247

207.09

-13,578

8.4%

15,113

206.22

-7,713

8.4%

9,042

206.99

-8,988

5.0%

6,008

208.42

-4,878

3.3%

5,014

204.08

-4,830

2.8%

4,974

206.09

-4,902

2.8%

4,899

206.14

-4,649

2.7%

4,154

202.99

-4,043

2.3%

4,108

205.01

-3,436

2.3%

3,925

204.22

-3,441

2.2%

3,500

201.92

-3,500

1.9%

3,270

207.17

-3,130

1.8%

3,064

205.06

-1,079

1.7%

Financial Fundamentals

Financial Metric	FY25/26 Q2	FY24/25 Q2	FY23/24 Q2	FY22/23 Q2	Growth %
Assets
Cash & Liquidity
Cash & Cash Equivalent	12,877,456,894	11,186,282,868	10,132,496,599	13,149,731,741	+15.12%
Money at Call & Short Notice	10,576,703,782	10,342,166,755	10,249,237,904	6,074,493,869	+2.27%
Due from NRB	8,411,509,583	7,626,397,858	6,885,789,763	6,074,493,869	+10.29%
Placement with B/FIs	2,165,194,199	2,715,768,897	3,363,448,141	0	-20.27%
Loans & Advances
Loans and Advances	168,816,530,933	162,961,835,691	150,547,500,455	141,674,798,175	+3.59%
Breakdown
Loans & Advances to B/FIs	606,328,242	1,611,455,611	2,243,333,097	3,095,361,865	-62.37%
Loans & Advances to Customers	168,210,202,691	161,350,380,080	148,304,167,358	138,579,436,310	+4.25%
Investments
Investment Securities	41,821,077,106	32,356,045,153	32,535,079,765	24,192,128,854	+29.25%
Investment in Subsidiaries	317,204,200	317,204,200	317,204,200	317,204,200	0.00%
Investment in Associates	474,250,996	370,783,883	300,319,465	374,279,291	+27.90%
Investment Property	1,275,001,598	960,851,203	288,310,666	221,972,646	+32.70%
Other Assets
Derivative Financial Instruments	0.00	18486851.00	0.00	0.00	-100.00%
Other Trading Assets	540,697,689	444,025,154	714,782,490	314,536,972	+21.77%
Current Tax Assets	11,611,926	389,908,459	340,723,878	214,473,606	-97.02%
Deferred Tax Assets	797,484,989	37,773,467	130,496,480	0	+2011.23%
Goodwill and Intangible Assets	161,719,578	167,226,093	169,321,070	168,505,331	-3.29%
Property & Equipment	4,097,281,698	4,149,429,844	3,998,474,368	3,604,462,584	-1.26%
Other Assets	3,842,821,169	4,268,271,266	4,938,825,136	3,038,588,025	-9.97%
Total Assets	245,653,491,688	227,951,804,036	214,678,739,769	193,357,699,972	+7.77%
Liabilities
Borrowings & Funding
Borrowings	9,466,074,244	9,320,509,750	14,691,397,382	11,015,506,909	+1.56%
Borrowing	0.00	0.00	0.00	0.00	-
Debt Securities Issued	5,473,051,238	5,469,439,035	5,466,204,193	2,478,829,294	+0.07%
Subordinated Liabilities	0.00	0.00	0.00	0.00	-
Interbank & NRB
Due to B/FIs	3,951,583,935	3,809,631,644	9,225,193,189	3,366,532,615	+3.73%
Due to NRB	41,439,071	41,439,071	0	5,170,145,000	0.00%
Deposits	210,223,564,914	193,815,478,537	175,808,073,729	159,481,735,049	+8.47%
Other Liabilities
Derivative Financial Instruments	0.00	18486851.00	0.00	0.00	-100.00%
Provisions	5,306,626	5,306,626	5,306,626	5,306,626	0.00%
Current Tax Liabilities	0.00	0.00	0.00	0.00	-
Deferred Tax Liabilities	0.00	0.00	0.00	55956443.00	-
Other Liabilities	2,729,851,702	2,580,253,862	3,411,871,481	2,843,816,714	+5.80%
Other Liabilities & Provisions	2,735,158,328	2,604,047,339	3,417,178,107	2,905,079,783	+5.03%
Total Liabilities	222,424,797,486	205,740,035,626	193,916,649,218	173,402,321,741	+8.11%
Shareholders Equity
Paid Up Capital	15,507,463,614	14,769,012,966	14,200,974,006	14,200,974,006	+5.00%
Share Premium	0.00	0.00	0.00	0.00	-
Reserves & Surpluses
Reserves	8,821,724,247	7,284,574,143	6,774,208,151	5,647,230,141	+21.10%
Reserves & Surpluses	7,721,230,588	7,442,755,444	6,561,116,545	5,754,404,225	+3.74%
Retained Earnings	-1,100,493,659	158,181,301	-213,091,606	107,174,084	-795.72%
Non-Controlling Interest	0.00	0.00	0.00	0.00	-
Total Equity	23,228,694,202	22,211,768,410	20,762,090,551	19,955,378,231	+4.58%
Total Liabilities & Equity	245,653,491,688	227,951,804,036	214,678,739,769	193,357,699,972	+7.77%

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)%
ADBL	312	0	0%	-	0.06	190.14	64.33%	9.89	19.78	290.9	3.89%	4.08%	4.65%	6.76%	3.13	30.13	0	29.98	14.99	11.25	0.38%	1.09%	3.86%	10.65%
BOKL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CCBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBL	720	+13.98	+1.98%	-	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	241	+3.09	+1.3%	-	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	208	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	225	+2.6	+1.17%	-	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	222	+1.1	+0.5%	-	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	254	+1.01	+0.4%	-	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	532	+5.01	+0.95%	-	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	272.9	+3.4	+1.26%	-	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	364.8	+8.1	+2.27%	0.05	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	205	+1.91	+0.94%	-	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	+2.01	+0.83%	0.05	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	243	+2	+0.83%	-	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	205	+2.01	+0.99%	-	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	367	+2.19	+0.6%	-	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	402.7	+3.71	+0.93%	0.05	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	395.1	+2.08	+0.53%	0.06	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	645.2	0	0%	0.06	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	336.59	3.01	0.86%	0.05	0.061	188.49	73.94%	16.29	19.48	278.97	3.55%	3.87%	4.7%	14.23%	3.279	20.592	0.948	20.246	33.994	11.149	0.84%	1.02%	8.83%	10.59%
MED	263.45	2.05	0.88%	0.05	0.06	182.71	75.65%	17.43	19.06	270.4	3.54%	3.72%	4.78%	14.47%	2.855	16.515	0.005	16.605	15.235	8.805	0.89%	1.05%	10%	11.9%
MAX	720	13.98	2.27%	0.06	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	205	0	0%	0.05	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%