NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Neutral

SuperTrend

Strong Sell

Trend Analysis

Direction

Downtrend

Strength

Strong

Momentum

RSI (14)

41.7

ADX

38.1

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

715.52

SMA 50

718.51

Bands & Channels

BB Width %

7.19%

Volume & Flow

OBV

5,042,238

Financial Fundamentals

Financial Metric	FY25/26 Q4	FY24/25 Q4	FY23/24 Q4	FY22/23 Q4	Growth %
Assets
Cash & Liquidity
Cash & Cash Equivalent	9,103,983	6,691,912	7,308,052	0	+36.04%
Money at Call & Short Notice	54,483,138	21,504,553	27,246,998	0	+153.36%
Due from NRB	35,026,020	13,661,353	20,764,973	0	+156.39%
Placement with B/FIs	19,457,118	7,843,200	6,482,025	0	+148.08%
Loans & Advances
Loans and Advances	247,098,682	223,395,424	187,300,361	0	+10.61%
Breakdown
Loans & Advances to B/FIs	11,530,295	9,771,879	7,652,663	0	+17.99%
Loans & Advances to Customers	235,568,387	213,623,545	179,647,698	0	+10.27%
Investments
Investment Securities	57,029,886	100,524,625	65,156,052	0	-43.27%
Investment in Subsidiaries	0.00	0.00	0.00	0	-
Investment in Associates	763,349	776,283	727,810	0	-1.67%
Investment Property	514,473	564,286	522,302	0	-8.83%
Other Assets
Derivative Financial Instruments	7,986,459	4,953,600	18,513	0	+61.23%
Other Trading Assets	0.00	0.00	0.00	0	-
Current Tax Assets	286,182	419,271	525,463	0	-31.74%
Deferred Tax Assets	0.00	0.00	0.00	0	-
Goodwill and Intangible Assets	183,548	116,696	24,477	0	+57.29%
Property & Equipment	3,939,362	4,133,192	3,605,909	0	-4.69%
Other Assets	10,825,363	7,615,079	2,093,675	0	+42.16%
Total Assets	383,758,236	365,205,354	293,961,158	0	+5.08%
Liabilities
Borrowings & Funding
Borrowings	8,961,576	10,040,557	7,024,614	0	-10.75%
Borrowing	0.00	1100976.00	2349196.00	0	-100.00%
Debt Securities Issued	6,603,613	6,603,613	3,603,613	0	0.00%
Subordinated Liabilities	0.00	0.00	0.00	0	-
Interbank & NRB
Due to B/FIs	2,357,963	2,335,968	1,071,805	0	+0.94%
Due to NRB	0.00	0.00	0.00	0	-
Deposits	316,018,577	298,818,400	232,316,604	0	+5.76%
Other Liabilities
Derivative Financial Instruments	7,986,459	4,953,600	18,513	0	+61.23%
Provisions	0.00	0.00	0.00	0	-
Current Tax Liabilities	0.00	0.00	0.00	0	-
Deferred Tax Liabilities	8,085	121,050	138,467	0	-93.32%
Other Liabilities	15,533,117	19,243,044	26,702,317	0	-19.28%
Other Liabilities & Provisions	23,586,200	24,322,845	26,840,784	0	-3.03%
Total Liabilities	348,566,353	333,181,802	266,182,002	0	+4.62%
Shareholders Equity
Paid Up Capital	13,721,376	12,944,694	11,767,904	0	+6.00%
Share Premium	238,470	238,470	238,470	0	0.00%
Reserves & Surpluses
Reserves	15,727,825	13,885,917	12,258,290	0	+13.26%
Reserves & Surpluses	21,470,507	19,078,857	16,011,252	0	+12.54%
Retained Earnings	5,504,212	4,954,470	3,514,492	0	+11.10%
Non-Controlling Interest	0.00	0.00	0.00	0	-
Total Equity	35,191,883	32,023,551	27,779,156	0	+9.89%
Total Liabilities & Equity	383,758,236	365,205,353	293,961,158	0	+5.08%

Sector Peers — Banking (26)

Peer Comparison

Banking SECTOR — NEPAL

2025/2026 Q4

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)	P/E (TTM)	P/S	ROA (Annualized)	ROA (TTM)%	ROE (Annualized)	ROE (TTM)%
ADBL	313	+1.99	+0.64%	0.04	0.05	197.11	66.78%	9.8	16.11	13.33	243.14	3.66	3.66	12.54	4.07%	1.57	19.18	23.56	2.91	0.67	0.67%	6.73	6.73%
BOKL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CCBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CZBIL	213.4	+1.4	+0.66%	0.03	0.06	160.51	75.72%	9.79	13.53	13.53	221.05	3.48	3.67	13.97	5.88%	1.23	14.55	15.74	2.03	0.81	0.81%	8.77	8.77%
GBIME	243.8	+0.8	+0.33%	0.1	0.05	183.14	68.43%	10.76	16.34	16.34	259.48	3.29	3.54	15.45	4.96%	1.31	14.69	15.97	2.27	0.82	0.82%	9.05	9.05%
HBL	195.5	-1.5	-0.76%	0.04	0.06	177.48	72.74%	9.43	6.56	6.56	161.85	2.83	3.67	6.5	7.96%	1.1	29.65	30.18	1.93	0.37	0.37%	3.79	3.79%
KBL	226	+0.99	+0.44%	0.06	0.06	170.8	77.14%	9.95	28.17	28.17	329.02	3.11	4.21	25.95	7.46%	1.23	7.45	8.06	1.94	1.58	1.58%	17.99	17.99%
LBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
LSL	250	+4.11	+1.67%	0.07	0.06	177.02	74.77%	9.8	11.64	11.64	215.32	3.22	3.66	11.8	5.23%	1.22	18.48	21.17	2.18	0.65	0.65%	6.71	6.71%
MBL	258.5	+0.49	+0.19%	0.03	0.06	156.01	78.45%	9.89	14.01	14.01	221.76	3.48	3.55	15.4	3.98%	1.59	17.7	18.62	2.73	0.89	0.89%	9.93	9.93%
MEGA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NABIL	569	+4.01	+0.71%	0.15	0.06	224.31	80.18%	9.22	24.66	24.66	352.79	3.18	3.56	20.82	4.2%	2.38	21.69	22.83	4.52	1.15	1.15%	11.65	11.65%
NBB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NBL	292	+0.5	+0.17%	0.04	0.05	287.7	62.85%	10.46	30.63	30.63	445.28	3.54	3.92	20.49	4.18%	0.91	8.54	9.68	1.75	1.01	1.01%	11.18	11.18%
NCCB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NICA	316.3	-0.7	-0.22%	0.05	0.06	172.32	61.07%	14.32	1.22	1.22	68.78	3.5	3.9	0.79	9.26%	1.89	266.48	269.18	2.13	0.04	0.04%	0.65	0.65%
NIMB	194.6	+2.1	+1.09%	0.07	0.05	197.71	68.17%	8.09	8.05	8.05	189.24	3.15	3.84	8.73	8.66%	0.96	23.6	24.32	2.06	0.46	0.46%	4.07	4.07%
NMB	257.1	+3.4	+1.34%	0.05	0.06	170.79	82.77%	9.44	18.01	18.01	263.07	3.43	3.6	19.07	4.91%	1.4	13.3	14.32	2.54	1.07	1.07%	11.36	11.36%
PCBL	257	+4	+1.58%	0.05	0.07	175.8	83.36%	8.12	19.63	19.63	278.65	3.66	3.88	19.02	6.69%	1.36	12.22	13.19	2.33	1.25	1.25%	11.65	11.65%
PRVU	187.3	+1.01	+0.54%	0.04	0.05	140.92	67.86%	11.42	-1.02	-1.02	-	3.28	4.18	-1.09	15.55%	1.35	-185.88	-185.39	2.03	-0.05	-0.05%	-0.67	-0.67%
SANIMA	368	0	0%	0.05	0.06	177.07	80.77%	9.55	22.78	22.78	301.26	3.39	3.42	21.38	1.02%	1.98	15.36	16.24	3.28	1.28	1.28%	14.05	14.05%
SBI	404.2	-2.81	-0.69%	0.05	0.06	194.73	71.16%	10.25	18.04	18.04	281.14	3.21	3.51	14.11	2.92%	2.02	21.78	22.53	3.08	0.84	0.84%	9.59	9.59%
SBL	456.8	-0.18	-0.04%	0.07	0.06	201.81	73.63%	9.56	19.24	19.24	295.57	3.69	3.73	16.71	1.06%	1.96	20.53	23.28	3.43	0.96	0.96%	10.36	10.36%
SCB	657.2	+2.03	+0.31%	0.07	0.04	225.77	47.24%	6.94	28.38	28.38	379.69	3.77	5.62	38.39	2.03%	2.95	23.47	23.15	9.01	1.7	1.7%	12.82	12.82%
SRBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	314.43	1.2	0.44%	0.06	0.057	188.39	71.84%	9.82	16.44	16.29	265.12	3.38	3.84	15.56	5.56%	1.578	20.16	21.479	2.897	0.86	0.86%	8.87	8.87%
MED	257.8	1	0.39%	0.05	0.06	177.27	73.19%	9.8	17.18	17.18	263.07	3.41	3.67	15.43	4.94%	1.38	18.09	19.895	2.3	0.87	0.87%	9.76	9.76%
MAX	657.2	4.11	1.67%	0.15	0.07	287.7	83.36%	14.32	30.63	30.63	445.28	3.77	5.62	38.39	15.55%	2.95	266.48	269.18	9.01	1.7	1.7%	17.99	17.99%
MIN	187.3	-2.81	-0.76%	0.03	0.04	140.92	47.24%	6.94	-1.02	-1.02	68.78	2.83	3.42	-1.09	1.02%	0.91	-185.88	-185.39	1.75	-0.05	-0.05%	-0.67	-0.67%