Citizens Bank International Limited

BankingLow Cap

NPR 219.00

NPR -1-0.45%

09:14 AM NPT · Nov 6, 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

219.00

High

219.90

Low

215.00

Prev Close

220.00

Volume

51,644

Turnover

Rs 11,178,674

Txns

Valuation · Q4 FY25/26

EPS Ann.

13.53

EPS TTM

13.53

BVPS

160.51

P/E Ann.

16.19

P/E TTM

16.19

Graham #

221.05

Capital

Mkt Cap

35.57 Arab

Total

16.24 Crore

Public

7.96 Crore

Promoter

8.28 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Sell

RSI

Neutral

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

57.06

ADX

25.82

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

216.76

SMA 50

204.3

Bands & Channels

BB Width %

14.99%

Volume & Flow

OBV

3,441,138

Flow Analysis

[ Live 2026-11-06 ]

Total Buy

893,837

Shares Bought

Total Sell

893,837

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 52%

Distribution 48%

Accumulators

Quantity

369,280

Amount

82,079,011

Avg Rate

222.27

Rank

#10

Brokers

#33#56#3#65

Distributors

Quantity

347,433

Amount

77,014,336

Avg Rate

221.67

Rank

#10

Brokers

#96#4#44#49#82

Net Flow Impact:

+21,847units

(Rs. 5,064,675)

Net Flow by Timeframe

CZBIL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 1,213,735 ]

Buy Side

Total: 610,029

Broker

QTY

AVG

NET

184,862

222.32

+180,342

20.7%

104,308

225.42

+99,967

11.7%

51,525

220.92

+31,312

5.8%

43,580

216.38

+43,580

4.9%

38,669

220.85

+12,134

4.3%

36,530

220.04

+36,314

4.1%

30,807

222.78

+10,927

3.5%

22,350

225.33

+20,641

2.5%

18,360

222.98

+11,323

2.0%

18,191

221.24

+17,005

2.0%

15,030

221.26

+2,808

1.7%

13,461

222.72

+4,961

1.5%

12,946

221.17

+9,913

1.4%

10,641

223.04

+10,641

1.2%

8,769

215.00

+917

1.0%

Sell Side

Total: 603,706

Broker

QTY

AVG

NET

139,483

222.52

-139,473

15.6%

88,456

217.33

-35,559

9.9%

81,162

223.21

-12,902

9.1%

61,629

224.84

-58,697

6.9%

39,365

222.87

-38,352

4.4%

36,864

220.25

-9,628

4.1%

25,547

219.30

-17,188

2.9%

20,822

222.06

-9,844

2.3%

18,500

222.82

-17,410

2.1%

18,490

222.54

-14,990

2.1%

16,980

215.58

-16,980

1.9%

15,535

221.80

-10,534

1.7%

14,041

224.63

-10,338

1.6%

13,519

223.17

-12,769

1.5%

13,313

223.16

-12,908

1.5%

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	337.4	+1.51	+0.45%	0.05	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	712	-0.5	-0.07%	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	266	+0.8	+0.3%	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	200.9	-0.91	-0.45%	0.05	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	230	-0.99	-0.43%	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	274.9	+6.89	+2.57%	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	266	-4	-1.48%	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	549	-0.99	-0.18%	0.16	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	306	0	0%	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	348	-2.1	-0.6%	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	205.1	-2.7	-1.3%	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	273.6	-0.3	-0.11%	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	271.4	+2.39	+0.89%	0.06	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	187.6	+0.6	+0.32%	0.05	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	400	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	438	+4.08	+0.94%	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	436.5	+2.82	+0.65%	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	671.6	-0.4	-0.06%	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	354.11	0.34	0.08%	0.07	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	290.45	-0.15	-0.03%	0.06	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	712	6.89	2.57%	0.16	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	187.6	-4	-1.48%	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%