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.

www.ctznbank.com/facebook

Trading

Open

197.70

High

198.70

Low

194.50

Prev Close

195.10

Volume

29,095

Turnover

Rs 5,704,872

Txns

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

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

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 51%

Distribution 49%

Accumulators

Quantity

66,976

Amount

13,213,430

Avg Rate

197.29

Rank

#17

Brokers

#4#58#46#36

Distributors

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

26,863

197.91

+24,221

16.2%

25,746

196.63

+15,980

15.5%

8,507

196.73

+8,406

5.1%

6,600

195.86

+4,794

4.0%

5,860

198.12

+5,340

3.5%

5,836

196.07

+1,234

3.5%

5,554

196.50

+4,894

3.4%

4,176

196.06

+526

2.5%

3,455

194.92

+2,955

2.1%

3,310

196.17

+2,508

2.0%

3,281

195.35

+2,679

2.0%

2,300

195.67

+2,295

1.4%

2,200

196.17

+1,080

1.3%

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

18,030

195.84

-12,752

10.9%

17,721

196.06

-12,132

10.7%

16,817

195.69

-16,567

10.1%

16,018

196.55

-4,183

9.7%

12,656

195.52

-12,126

7.6%

6,955

198.36

-3,103

4.2%

5,066

196.73

-2,266

3.0%

4,812

195.79

-4,046

2.9%

4,000

199.00

-3,330

2.4%

3,177

197.34

-2,847

1.9%

3,017

196.67

-2,957

1.8%

2,548

197.57

-433

1.5%

2,265

196.63

-1,570

1.4%

2,200

198.24

-2,200

1.3%

2,184

197.67

-939

1.3%

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	-1.01	-0.33%	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	700	+0.98	+0.14%	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	236.7	-3.31	-1.38%	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	193	-1.89	-0.97%	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	208	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	216.3	-1.7	-0.78%	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	243	-0.51	-0.21%	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	525	+3.08	+0.59%	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	263	-0.4	-0.15%	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	331.9	+0.89	+0.27%	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	191.8	-0.19	-0.1%	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	237.9	-0.19	-0.08%	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	233	0	0%	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	190	+0.09	+0.05%	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	352.3	+0.49	+0.14%	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	393.9	+3.09	+0.79%	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	388	-1.79	-0.46%	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	641.8	+0.32	+0.05%	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	325.03	-0.11	-0.14%	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	253	-0.1	-0.04%	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	700	3.09	0.79%	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	190	-3.31	-1.38%	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%