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.

www.ctznbank.com/facebook

Trading

Open

202.00

High

203.90

Low

200.00

Prev Close

202.00

Volume

39,327

Turnover

Rs 7,892,274

Txns

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

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

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 48%

Distribution 52%

Accumulators

Quantity

70,503

Amount

14,332,683

Avg Rate

203.29

Rank

#18

Brokers

#96#57#50#58

Distributors

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

26,908

205.28

+26,898

13.8%

15,159

201.39

+13,510

7.8%

14,469

203.00

+12,264

7.4%

13,967

201.83

+6,058

7.2%

12,010

202.25

+5,653

6.2%

11,524

203.51

+4,165

5.9%

9,434

204.13

+5,225

4.8%

8,182

204.61

+4,152

4.2%

6,050

203.46

+5,976

3.1%

5,560

201.32

+3,660

2.9%

5,500

203.27

+5,071

2.8%

4,467

204.77

+1,500

2.3%

4,297

201.26

+2,373

2.2%

4,185

204.06

+485

2.1%

4,000

207.65

+4,000

2.0%

Sell Side

Total: 118,627

Broker

QTY

AVG

NET

28,145

203.26

-28,145

14.4%

15,329

205.20

-14,129

7.9%

14,592

202.32

-8,850

7.5%

11,632

205.65

-7,088

6.0%

8,934

201.47

-8,909

4.6%

8,468

202.82

-8,268

4.3%

5,599

202.02

-4,743

2.9%

4,261

203.35

-4,251

2.2%

3,762

205.19

-762

1.9%

3,421

202.37

-2,171

1.8%

3,133

202.00

-684

1.6%

3,118

204.23

-2,277

1.6%

3,081

200.18

-2,959

1.6%

2,922

203.34

-2,686

1.5%

2,230

203.78

-2,100

1.1%

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	305	-2.89	-0.94%	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	715	-8.03	-1.11%	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	0	0%	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	0%	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	0%	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	-0.2	-0.09%	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	250.3	-4.69	-1.84%	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	549.4	-6.62	-1.19%	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	265.2	-4.7	-1.74%	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	325	-1.01	-0.31%	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	192.9	-2.11	-1.08%	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	-0.1	-0.04%	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	239	-1.01	-0.42%	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	188.5	-2.5	-1.31%	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	369.8	-0.18	-0.05%	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	401	-4.91	-1.21%	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	405.1	-4.92	-1.2%	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	643.2	-4.8	-0.74%	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	331.84	-2.7	-0.74%	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	258.1	-2.3	-0.84%	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	715	0	0%	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	188.5	-8.03	-1.84%	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%