Citizens Bank International Limited

BankingLow Cap

NPR 198.00

NPR +2.9+1.49%

09:14 AM NPT · Jun 26, 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

197.70

High

198.70

Low

194.50

Prev Close

195.10

Volume

29,095

Turnover

Rs 5,704,872

Txns

0

Valuation · Q3 FY25/26

EPS Ann.

11.23

EPS TTM

10.56

BVPS

155.99

P/E Ann.

17.63

P/E TTM

18.75

Graham #

198.53

Capital

Mkt Cap

29.24 Arab

Total

14.77 Crore

Public

7.24 Crore

Promoter

7.53 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Sell

RSI

Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Moderate

Momentum

RSI (14)

35.71

ADX

22.38

Overall Score

38
Below Line

Technical Score

Moving Averages

SMA 20

199.78

SMA 50

203.33

Bands & Channels

BB Width %

4.99%

Volume & Flow

OBV

2,003,476

Flow Analysis

[ Live 2026-06-26 ]

Total Buy

166,020

Shares Bought

Total Sell

166,020

Shares Sold

Net Flow

0

Net Accumulation

Active Brokers

68

Participating

ACCUM/DIST

Accumulation 51%

Distribution 49%

Accumulators

4

Quantity

66,976

Amount

13,213,430

Avg Rate

197.29

Rank

#17

Brokers

#4#58#46#36

Distributors

4

Quantity

65,224

Amount

12,771,072

Avg Rate

195.80

Rank

#15

Brokers

#96#49#57#51

Net Flow Impact:

+1,752units
(Rs. 442,358)

Net Flow by Timeframe

CZBIL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 225,154 ]

Buy Side

Total: 107,688

Broker

QTY

AVG

NET

%

4

26,863

197.91

+24,221

16.2%

58

25,746

196.63

+15,980

15.5%

46

8,507

196.73

+8,406

5.1%

41

6,600

195.86

+4,794

4.0%

36

5,860

198.12

+5,340

3.5%

63

5,836

196.07

+1,234

3.5%

35

5,554

196.50

+4,894

3.4%

16

4,176

196.06

+526

2.5%

19

3,455

194.92

+2,955

2.1%

1

3,310

196.17

+2,508

2.0%

26

3,281

195.35

+2,679

2.0%

6

2,300

195.67

+2,295

1.4%

59

2,200

196.17

+1,080

1.3%

81

2,000

195.00

+1,956

1.2%

100

2,000

197.30

+1,511

1.2%

Sell Side

Total: 117,466

Broker

QTY

AVG

NET

%

49

18,030

195.84

-12,752

10.9%

57

17,721

196.06

-12,132

10.7%

96

16,817

195.69

-16,567

10.1%

45

16,018

196.55

-4,183

9.7%

51

12,656

195.52

-12,126

7.6%

62

6,955

198.36

-3,103

4.2%

42

5,066

196.73

-2,266

3.0%

32

4,812

195.79

-4,046

2.9%

68

4,000

199.00

-3,330

2.4%

52

3,177

197.34

-2,847

1.9%

53

3,017

196.67

-2,957

1.8%

28

2,548

197.57

-433

1.5%

21

2,265

196.63

-1,570

1.4%

82

2,200

198.24

-2,200

1.3%

38

2,184

197.67

-939

1.3%

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

305-1.01-0.33%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

700+0.98+0.14%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

236.7-3.31-1.38%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

193-1.89-0.97%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

20800%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

216.3-1.7-0.78%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

243-0.51-0.21%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

525+3.08+0.59%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

263-0.4-0.15%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

331.9+0.89+0.27%0.050.06172.9765.39%13.971.250.9761.443.440.80.49%2.85296-356.74.210.040.03%0.670.52%

NIMB

191.8-0.19-0.1%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

237.9-0.19-0.08%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

23300%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

190+0.09+0.05%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

352.3+0.49+0.14%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

393.9+3.09+0.79%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

388-1.79-0.46%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

641.8+0.32+0.05%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

------------------------
AVG325.03-0.11-0.14%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%
MED253-0.1-0.04%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%
MAX7003.090.79%0.140.07272.7985.88%13.9732.3534.91437.973.795.0337.878.84%3.9729633.06356.715.861.691.8%14.4915.64%
MIN190-3.31-1.38%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