Citizens Bank International Limited

BankingLow Cap

NPR 204.10

NPR +0.2+0.10%

09:12 AM NPT · May 15, 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

201.40

High

205.80

Low

201.30

Prev Close

203.90

Volume

19,633

Turnover

Rs 4,008,875.6

Txns

109

Valuation · Q2 FY25/26

EPS Ann.

4.63

EPS TTM

6.39

BVPS

149.79

P/E Ann.

44.08

P/E TTM

31.94

Graham #

124.92

Capital

Mkt Cap

30.14 Arab

Total

14.77 Crore

Public

7.24 Crore

Promoter

7.53 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Buy

RSI

Neutral

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Weak

Momentum

RSI (14)

40.2

ADX

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

205.97

SMA 50

211.73

Bands & Channels

BB Width %

5.97%

Volume & Flow

OBV

2,259,819

Flow Analysis

[ Live 2026-05-15 ]

Total Buy

143,178

Shares Bought

Total Sell

143,178

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 46%

Distribution 54%

Accumulators

Quantity

53,085

Amount

10,899,798

Avg Rate

205.33

Rank

#18

Brokers

#49#33#14#16

Distributors

Quantity

62,825

Amount

12,869,399

Avg Rate

204.85

Rank

#16

Brokers

#22#58#34#57

Net Flow Impact:

-9,740units

(Rs. -1,969,600)

Net Flow by Timeframe

CZBIL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 199,204 ]

Buy Side

Total: 94,111

Broker

QTY

AVG

NET

16,459

204.60

+14,745

11.5%

15,745

207.03

+13,145

11.0%

11,177

205.03

+10,831

7.8%

9,704

204.13

+9,140

6.8%

5,363

204.73

+4,363

3.8%

4,977

207.16

+3,119

3.5%

4,819

204.97

+3,044

3.4%

3,618

203.60

+1,607

2.5%

3,548

207.34

+1,074

2.5%

3,420

204.90

+1,160

2.4%

3,320

202.88

+3,060

2.3%

3,300

206.34

+89

2.3%

3,188

205.29

+2,079

2.2%

2,920

202.83

+622

2.0%

2,553

202.99

+2,553

1.8%

Sell Side

Total: 105,093

Broker

QTY

AVG

NET

25,747

204.26

-21,119

18.0%

15,592

205.24

-11,013

10.9%

12,188

203.30

-5,209

8.5%

9,298

207.82

-6,773

6.5%

8,165

205.08

-5

5.7%

6,623

203.38

-5,173

4.6%

5,171

201.36

-4,845

3.6%

4,790

204.81

-4,790

3.4%

4,495

205.29

-3,183

3.1%

2,705

204.80

-2,327

1.9%

2,369

207.93

-2,359

1.6%

2,066

206.96

-606

1.4%

2,038

205.03

-1,463

1.4%

1,934

205.68

-1,934

1.4%

1,912

206.34

-1,912

1.3%

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	310.2	+1.21	+0.39%	0.04	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	703.9	+0.91	+0.13%	0.1	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	234.2	-0.8	-0.34%	0.09	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	203.9	+0.2	+0.1%	0.05	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	218	0	0%	0.06	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	219.9	0	0%	0.06	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	249	+0.99	+0.4%	0.03	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	527	0	0%	0.14	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	266.8	+2.8	+1.06%	0.04	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	352	+0.11	+0.03%	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	198	+0.3	+0.15%	0.07	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	+0.2	+0.08%	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	239.5	+1.19	+0.5%	0.05	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	198.6	+0.59	+0.3%	0.05	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	365.5	+2	+0.55%	0.05	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	396	0	0%	0.04	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	392.5	-0.51	-0.13%	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	649	+2.01	+0.31%	0.07	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	331.57	0.62	0.2%	0.06	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	257.9	0.25	0.12%	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	703.9	2.8	1.06%	0.14	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	198	-0.8	-0.34%	0.03	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%