Citizens Bank International Limited

BankingLow Cap

NPR 200.20

NPR -1.8-0.89%

09:14 AM NPT · Aug 10, 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.

Trading

Open

202.00

High

203.90

Low

200.00

Prev Close

202.00

Volume

39,327

Turnover

Rs 7,892,274

Txns

0

Valuation · Q3 FY25/26

EPS Ann.

11.23

EPS TTM

10.56

BVPS

155.99

P/E Ann.

17.83

P/E TTM

18.96

Graham #

198.53

Capital

Mkt Cap

29.57 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)

42.53

ADX

14.42

Overall Score

22
Below Line

Technical Score

Moving Averages

SMA 20

203.91

SMA 50

200.67

Bands & Channels

BB Width %

8.15%

Volume & Flow

OBV

1,870,054

Flow Analysis

[ Live 2026-08-10 ]

Total Buy

194,874

Shares Bought

Total Sell

194,874

Shares Sold

Net Flow

0

Net Accumulation

Active Brokers

76

Participating

ACCUM/DIST

Accumulation 48%

Distribution 52%

Accumulators

4

Quantity

70,503

Amount

14,332,683

Avg Rate

203.29

Rank

#18

Brokers

#96#57#50#58

Distributors

5

Quantity

75,468

Amount

15,335,864

Avg Rate

203.21

Rank

#18

Brokers

#94#33#14#45#85

Net Flow Impact:

-4,965units
(Rs. -1,003,181)

Net Flow by Timeframe

CZBIL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 264,339 ]

Buy Side

Total: 145,712

Broker

QTY

AVG

NET

%

96

26,908

205.28

+26,898

13.8%

57

15,159

201.39

+13,510

7.8%

50

14,469

203.00

+12,264

7.4%

58

13,967

201.83

+6,058

7.2%

49

12,010

202.25

+5,653

6.2%

38

11,524

203.51

+4,165

5.9%

1

9,434

204.13

+5,225

4.8%

34

8,182

204.61

+4,152

4.2%

13

6,050

203.46

+5,976

3.1%

74

5,560

201.32

+3,660

2.9%

8

5,500

203.27

+5,071

2.8%

41

4,467

204.77

+1,500

2.3%

56

4,297

201.26

+2,373

2.2%

62

4,185

204.06

+485

2.1%

86

4,000

207.65

+4,000

2.0%

Sell Side

Total: 118,627

Broker

QTY

AVG

NET

%

94

28,145

203.26

-28,145

14.4%

33

15,329

205.20

-14,129

7.9%

45

14,592

202.32

-8,850

7.5%

48

11,632

205.65

-7,088

6.0%

14

8,934

201.47

-8,909

4.6%

85

8,468

202.82

-8,268

4.3%

3

5,599

202.02

-4,743

2.9%

17

4,261

203.35

-4,251

2.2%

36

3,762

205.19

-762

1.9%

16

3,421

202.37

-2,171

1.8%

81

3,133

202.00

-684

1.6%

29

3,118

204.23

-2,277

1.6%

52

3,081

200.18

-2,959

1.6%

28

2,922

203.34

-2,686

1.5%

65

2,230

203.78

-2,100

1.1%

Financial Fundamentals

Financial MetricFY25/26 Q3FY24/25 Q3FY23/24 Q3FY22/23 Q3Growth %
Assets
Cash & Liquidity
Cash & Cash Equivalent14,075,25410,710,47611,301,0620+31.42%
Money at Call & Short Notice11,017,15510,945,5088,945,6530+0.65%
Due from NRB8,313,8397,820,1657,192,2880+6.31%
Placement with B/FIs2,703,3163,125,3431,753,3650-13.50%
Loans & Advances
Loans and Advances170,815,349169,095,653154,404,8060+1.02%
Breakdown
Loans & Advances to B/FIs1,424,0791,331,3771,834,9060+6.96%
Loans & Advances to Customers169,391,270167,764,275152,569,9000+0.97%
Investments
Investment Securities41,067,79932,059,46832,005,4130+28.10%
Investment in Subsidiaries317,204317,204317,20400.00%
Investment in Associates484,631436,482309,9740+11.03%
Investment Property1,571,2311,031,543462,8130+52.32%
Other Assets
Derivative Financial Instruments50,92225,62800+98.69%
Other Trading Assets505,698373,820267,6340+35.28%
Current Tax Assets84,002339,818272,3310-75.28%
Deferred Tax Assets670,63644,45691,0560+1408.55%
Goodwill and Intangible Assets180,329166,623167,4540+8.23%
Property & Equipment4,016,8284,129,3463,948,2450-2.72%
Other Assets5,221,4557,186,6646,946,5380-27.35%
Total Assets248,586,906235,912,346218,641,7080+5.37%
Liabilities
Borrowings & Funding
Borrowings8,055,4289,319,53210,508,4400-13.56%
Borrowing0.000.000.000-
Debt Securities Issued5,473,9395,470,2645,466,9190+0.07%
Subordinated Liabilities0.000.000.000-
Interbank & NRB
Due to B/FIs2,392,1693,807,8295,041,5200-37.18%
Due to NRB189,32141,43900+356.87%
Deposits213,468,835198,946,017182,504,9240+7.30%
Other Liabilities
Derivative Financial Instruments50,92225,62800+98.69%
Provisions5,3075,3075,30700.00%
Current Tax Liabilities0.000.000.000-
Deferred Tax Liabilities0.000.000.000-
Other Liabilities2,867,5565,082,4764,321,4960-43.58%
Other Liabilities & Provisions2,872,8635,087,7834,329,3590-43.53%
Total Liabilities224,397,127213,353,332197,342,7220+5.18%
Shareholders Equity
Paid Up Capital15,507,46414,769,01314,200,9740+5.00%
Share Premium0.000.000.000-
Reserves & Surpluses
Reserves9,186,7717,627,3797,079,0930+20.44%
Reserves & Surpluses8,682,3167,790,0017,098,0120+11.45%
Retained Earnings-504,455162,62218,9190-410.20%
Non-Controlling Interest0.000.000.000-
Total Equity24,189,78022,559,01421,298,9860+7.23%
Total Liabilities & Equity248,586,906235,912,346218,641,7080+5.37%

Sector Peers — Banking (26)

Peer Comparison

Banking SECTOR — NEPAL

2025/2026 Q3

NPR/Millions

Statement

Highlight

TICKERMarket
Key Ratios
PriceChgChg%Mkt Cap (M)Asset TurnoverBook Value Per ShareC/D Ratio%Debt to EquityEPS (Annualized)EPS (TTM)Graham's NumberInterest Rate SpreadNet Interest MarginNet Profit MarginNPL%P/BP/E (Annualized)PEGP/E (TTM)P/SROA (Annualized)ROA (TTM)%ROE (Annualized)ROE (TTM)%

ADBL

305-2.89-0.94%0.040.06194.5865.44%9.419.4218.77286.663.473.859.025.06%2.1633.47-16.895.370.491%4.959.86%

BOKL

------------------------

CBL

------------------------

CCBL

------------------------

EBL

715-8.03-1.11%0.10.06244.2185.88%10.332.3534.91437.973.123.4722.170.61%3.8121.58-20.328.51.251.36%13.8714.97%

GBIME

25100%0.090.06178.5371.13%10.3915.415.93252.963.33.4714.764.97%1.7815.45-14.954.060.810.85%8.759.05%

HBL

194.800%0.040.06171.9675.01%9.484.57.86174.392.843.754.417.98%1.6246.330.9725.573.630.250.45%2.674.67%

KBL

21500%0.060.06158.5377.14%10.4121.2422.91285.863.134.3119.366.94%1.9310.780.019.43.711.231.33%14.4915.64%

LBL

------------------------

LSL

220-0.2-0.09%0.060.06175.0877.04%9.4610.1516.81257.333.43.3610.775.29%1.6421.231.7913.164.070.590.99%6.0510.03%

MBL

250.3-4.69-1.84%0.030.06154.5277.67%9.6914.6617.02243.263.533.5216.364.01%2.1717.191.0714.6750.961.12%10.6512.38%

MEGA

------------------------

NABIL

549.4-6.62-1.19%0.140.06220.9579.5%9.1428.1427.58370.283.313.5723.780.98%3.218.831.4619.47.961.351.32%13.6513.38%

NBB

------------------------

NBL

265.2-4.7-1.74%0.040.05272.7966.07%10.2525.3425.74397.473.73.9317.244.96%1.3610.9733.0610.413.360.890.91%9.499.64%

NCCB

------------------------

NICA

325-1.01-0.31%0.050.06172.9765.39%13.971.250.9761.443.440.80.49%2.85296-356.74.210.040.03%0.670.52%

NIMB

192.9-2.11-1.08%0.070.05199.7268.37%8.0412.2915.72265.782.793.7313.268.41%1.4117.14-12.554.040.710.92%6.298.05%

NMB

243-0.1-0.04%0.050.06165.5984.68%9.1716.0816.14245.223.53.8416.814.95%215.45-15.074.620.990.99%10.4710.5%

PCBL

239-1.01-0.42%0.050.07171.2883.12%8.0719.6623.31299.723.793.9518.956.39%1.9112.490.4310.34.211.311.56%12.1314.4%

PRVU

188.5-2.5-1.31%0.050.06146.2670.61%10.674.8218.77248.533.444.195.068.84%1.9143.36-10.53.90.281.12%3.2812.78%

SANIMA

369.8-0.18-0.05%0.050.06169.3482.76%9.3920.1120.98282.733.483.4518.933.99%2.7617.40.7617.545.861.191.24%12.9713.53%

SBI

401-4.91-1.21%0.040.06189.5768.57%10.8617.1918.18278.473.313.4113.522.53%2.8523.561.3821.955.660.810.86%9.49.94%

SBL

405.1-4.92-1.2%0.060.06194.3977.92%9.3114.6820.45299.073.713.6413.033.71%2.6926.7-19.616.190.791.1%8.2811.54%

SCB

643.2-4.8-0.74%0.070.04218.5952.95%6.9927.6429.25379.293.675.0337.871.81%3.9723.55-22.4615.861.691.8%12.9313.69%

SRBL

------------------------
AVG331.84-2.7-0.74%0.060.058188.8373.85%9.7216.3819.52281.473.383.815.344.55%2.33437.34.54835.0815.5670.871.05%8.9410.81%
MED258.1-2.3-0.84%0.050.06176.8176.03%9.4715.7418.77280.63.423.7415.564.96%2.0820.031.0715.984.4150.851.05%9.4511.02%
MAX71500%0.140.07272.7985.88%13.9732.3534.91437.973.795.0337.878.84%3.9729633.06356.715.861.691.8%14.4915.64%
MIN188.5-8.03-1.84%0.030.04146.2652.95%6.991.250.9761.442.793.360.80.49%1.3610.780.019.43.360.040.03%0.670.52%

26

securities loaded

Best in class

Laggard

AVG

Average

MED

Median

MAX

Maximum

MIN

Minimum