Garima Bikas Bank Limited

Development BankHigh Cap

NPR 405.80

NPR +0.9+0.22%

09:14 AM NPT · Jun 26, 2026

Est. 18th Kartik, 2064 · Kathmandu-02, Lazimpat, Kathmandu, Nepal · CEO: Madhav Prasad Upadhaya

Garima Bikas Bank Limited is a National Level Development Bank that began its commercial journey on 18th Kartik 2064, with its formal inauguration on 7th Mangsir 2064. Initially headquartered in Waling, Syangja, the bank started operations with a paid-up capital of just NPR 26.5 million, serving Syangja, Palpa, and Kaski as a Regional Level Development Bank. Its business footprint expanded significantly on 20th Chaitra 2068, increasing service coverage to 10 districts. Guided by the vision of “Access to All,” Garima Bikas Bank strategically upgraded to a National Level Development Bank to overcome geographical and service-distribution limitations. The mergers with Nilgiri Bikas Bank Limited (29th Asadh 2072) and Subekshya Bikas Bank Limited (4th Ashwin 2073) strengthened its capital base, broadened its branch network, and enhanced operational efficiency. The acquisition of Sahara Bikas Bank Limited on 28th Kartik 2078 further expanded the bank’s reach, particularly in Province 2. Today, Garima Bikas Bank stands as a strong and progressive financial institution, offering accessible, customer-centric, and reliable banking services across Nepal.

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Trading

Open

404.90

High

413.00

Low

404.90

Prev Close

404.90

Volume

18,698

Turnover

Rs 7,625,209.8

Txns

Valuation · Q3 FY25/26

EPS Ann.

23.21

EPS TTM

26.99

BVPS

167.58

P/E Ann.

17.48

P/E TTM

15.04

Graham #

295.83

Capital

Mkt Cap

23.05 Arab

Total

5.68 Crore

Public

2.78 Crore

Promoter

2.9 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Sell

RSI

Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Downtrend

Strength

Strong

Momentum

RSI (14)

27.5

ADX

33.46

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

410.32

SMA 50

412.95

Bands & Channels

BB Width %

4.13%

Volume & Flow

OBV

7,183,849

Flow Analysis

[ Live 2026-06-26 ]

Total Buy

131,259

Shares Bought

Total Sell

131,259

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 46%

Distribution 54%

Accumulators

Quantity

40,312

Amount

16,407,173

Avg Rate

407.00

Rank

Brokers

#65#75#39#67

Distributors

Quantity

47,850

Amount

19,418,303

Avg Rate

405.82

Rank

Brokers

#17#43#37#47

Net Flow Impact:

-7,538units

(Rs. -3,011,130)

Net Flow by Timeframe

GBBL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 186,380 ]

Buy Side

Total: 89,579

Broker

QTY

AVG

NET

12,594

406.01

+12,494

9.6%

9,922

406.24

+9,922

7.6%

9,522

410.04

+9,431

7.3%

9,257

405.36

+7,814

7.0%

8,475

406.40

+7,374

6.5%

8,274

405.94

+8,190

6.3%

6,107

405.94

+3,868

4.7%

6,000

404.53

+6,000

4.6%

5,592

407.57

+2,627

4.3%

2,850

406.36

+2,299

2.2%

2,720

406.00

+1,974

2.1%

2,174

406.11

+2,174

1.7%

2,173

404.33

+116

1.7%

2,129

405.62

+14

1.6%

1,790

405.74

+628

1.4%

Sell Side

Total: 96,801

Broker

QTY

AVG

NET

25,681

406.42

-25,091

19.6%

16,380

405.41

-626

12.5%

10,050

406.99

-9,830

7.7%

6,770

403.24

-6,770

5.2%

5,349

403.97

-4,349

4.1%

4,900

405.09

-2,390

3.7%

4,649

404.29

-4,256

3.5%

4,189

407.43

-4,185

3.2%

2,903

405.35

-2,643

2.2%

2,832

404.76

-2,781

2.2%

2,675

405.78

-838

2.0%

2,653

404.77

-786

2.0%

2,607

405.60

-1,878

2.0%

2,589

412.73

-2,539

2.0%

2,574

406.75

-2,574

2.0%

Financial Fundamentals

Financial Metric	FY25/26 Q3	FY24/25 Q3	FY23/24 Q3	FY22/23 Q3	Growth %
Assets
Cash & Liquidity
Cash & Cash Equivalent	2,860,436	3,074,824	3,028,960	0	-6.97%
Money at Call & Short Notice	3,528,785	3,707,362	5,162,302	0	-4.82%
Due from NRB	3,528,785	3,707,362	5,162,302	0	-4.82%
Placement with B/FIs	0.00	0.00	0.00	0	-
Loans & Advances
Loans and Advances	79,611,439	73,778,197	69,346,584	0	+7.91%
Loans & Advances to B/FIs	3,381,602	4,724,428	4,460,805	0	-28.42%
Loans & Advances to Customers	76,229,837	69,053,769	64,885,779	0	+10.39%
Investments
Investment Securities	18,512,667	15,366,813	15,769,403	0	+20.47%
Investment in Subsidiaries	123,900	123,900	123,900	0	0.00%
Investment in Associates	0.00	0.00	0.00	0	-
Investment Property	698,750	348,047	227,524	0	+100.76%
Other Assets
Derivative Financial Instruments	0.00	0.00	0.00	0	-
Other Trading Assets	0.00	0.00	0.00	0	-
Current Tax Assets	159,046	250,237	168,399	0	-36.44%
Deferred Tax Assets	38,835	24,888	32,452	0	+56.04%
Goodwill and Intangible Assets	101,426	97,230	98,788	0	+4.32%
Property & Equipment	1,857,967	530,127	602,078	0	+250.48%
Other Assets	1,096,934	1,010,725	773,382	0	+8.53%
Total Assets	108,290,879	97,939,994	95,034,135	0	+10.57%
Liabilities
Borrowings & Funding
Borrowings	2,447,108	2,320,012	2,626,290	0	+5.48%
Borrowing	0.00	0.00	8333.33	0	-
Debt Securities Issued	997,063	996,034	995,089	0	+0.10%
Subordinated Liabilities	0.00	0.00	0.00	0	-
Interbank & NRB
Due to B/FIs	1,450,045	1,323,978	1,622,867	0	+9.52%
Due to NRB	0.00	0.00	0.00	0	-
Deposits	94,313,761	85,786,910	82,827,015	0	+9.94%
Other Liabilities
Provisions	0.00	0.00	0.00	0	-
Current Tax Liabilities	0.00	0.00	0.00	0	-
Deferred Tax Liabilities	0.00	0.00	0.00	0	-
Other Liabilities	1,439,553	1,115,276	1,142,333	0	+29.08%
Other Liabilities & Provisions	1,439,553	1,115,276	1,142,333	0	+29.08%
Total Liabilities	98,200,422	89,222,198	86,595,637	0	+10.06%
Equity
Paid Up Capital	6,021,348	5,680,517	5,680,517	0	+6.00%
Share Premium	0.00	0.00	0.00	0	-
Reserves & Surpluses
Reserves	3,441,873	2,686,785	2,655,880	0	+28.10%
Reserves & Surpluses	4,069,109	3,037,279	2,757,981	0	+33.97%
Retained Earnings	627,236	350,494	102,100	0	+78.96%
Non-Controlling Interest	0.00	0.00	0.00	0	-
Total Equity	10,090,457	8,717,797	8,438,498	0	+15.75%
Total Liabilities & Equity	108,290,879	97,939,994	95,034,135	0	+10.57%

Sector Peers — Development Bank (19)

Peer Comparison

Development Bank 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)%
CORBL	1,714	+13.77	+0.81%	0.01	0.07	139.27	58.82%	3.34	12.26	2.68	91.64	4.57	6.71	29.16	6.36%	17.45	148.69	0.94	733.62	77.12	2.17	0.47%	8.64	1.89%
EDBL	555.6	-5.39	-0.96%	0.01	0.06	184	76.86%	7.79	16.61	16.24	259.29	4.57	4.28	18.31	6.59%	4.27	35.44	0.01	36.22	11.53	1.09	1.07%	9.59	9.37%
GBLBSP	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GRDBL	1,048	+8.01	+0.77%	0.01	0.07	116.8	85.44%	8.48	7.63	13.54	188.63	4.17	4.43	9.47	4.32%	12.1	138.93	2.62	78.66	23.4	0.68	1.22%	6.87	12.19%
JBBL	338	-2.01	-0.59%	0.02	0.07	163.43	81.45%	9.63	19.09	7.63	167.5	4.17	4.2	17.05	7.83%	3.03	19.43	0.18	47.17	5.89	1.15	0.46%	12.11	4.83%
KRBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-82.82	-	-	-	-	-
KSBBL	475	-0.19	-0.04%	0.02	0.07	158.28	87.33%	10.09	18.64	17.35	248.57	4.11	4.39	15.05	4.4%	4.09	26.03	-	28.3	6.97	1.08	1.01%	12.65	11.78%
LBBL	479.9	+0.91	+0.19%	0.02	0.07	205.4	87.11%	7.88	20.67	24.61	337.25	4.08	4.11	16.23	6.49%	3.22	24	0.02	20.32	6.93	1.12	1.34%	10.71	12.76%
MDB	587	-3.01	-0.51%	0.01	0.07	139.36	85.76%	5.12	10.54	11.02	185.89	4.25	4	19.48	0.48%	5.95	59	14.53	56.3	20.44	1.4	1.46%	7.6	7.94%
MLBL	354.9	-1.1	-0.31%	0.02	0.07	162.01	87.89%	7.6	13.59	11.75	206.96	4.24	4.81	13.92	6.59%	3.09	27.62	90.13	31.28	6.83	0.97	0.84%	8.55	7.38%
MNBBL	366.9	0	0%	0.03	0.07	155.09	85.21%	9.87	15.71	21.94	276.7	4.48	4.6	13	4.88%	3.26	24.12	1.64	17.09	5.58	0.95	1.33%	10.67	14.89%
MTBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NABBC	788	+1.02	+0.13%	0	0.04	32.98	56.77%	2.97	-12.64	-11.86	-	4.5	-2.52	-304.8	59.37%	47.42	-92.8	-	-77.31	502.89	-10.84	-10.17%	-59.8	-56.1%
SABBL	976	+13	+1.35%	0.01	0.08	103.75	71.21%	2.81	-0.81	1.39	56.96	4.58	6.2	-2.82	3.35%	20.69	-1,987.65	-	852.52	99.38	-0.21	0.38%	-0.93	1.61%
SADBL	403	-0.69	-0.17%	0.02	0.07	158.79	83.84%	9.82	17.3	15.73	237.06	4.32	4.63	14.24	7.87%	3.57	24.57	3.87	26.7	6.22	1	0.91%	11.37	10.34%
SAPDBL	814	-84.95	-9.45%	0.01	0.06	72.9	71.87%	14.61	9.43	19.59	179.26	3.99	3.59	15.19	7.6%	15.69	90.99	0.29	43.29	24.58	0.88	1.84%	12.55	26.07%
SHBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SHINE	404	+1.49	+0.37%	0.02	0.07	153.05	85.75%	10	20.93	19.18	257	4.09	4.36	17.62	4.92%	3.6	19.73	0.41	21.74	6.18	1.29	1.19%	14.11	12.93%
SINDU	709	+7.99	+1.14%	0	0.06	91.3	66.04%	11.2	-7.91	1.2	49.65	4.58	3.84	-11.27	7.92%	11.07	-95.85	-	628.33	19.21	-0.72	0.1%	-9.24	1.4%

AVG	667.55	-3.41	-0.48%	0.01	0.067	135.76	78.09%	8.08	10.74	11.47	195.88	4.31	4.11	-8.01	9.26%	10.567	-102.52	10.422	153.838	54.877	0.13	0.23%	3.7	5.29%
MED	555.6	0	0%	0.01	0.07	153.05	83.84%	8.48	13.59	13.54	197.8	4.25	4.36	15.05	6.49%	4.27	24.57	0.94	33.75	11.53	1	1.01%	9.59	9.37%
MAX	1,714	13.77	1.35%	0.03	0.08	205.4	87.89%	14.61	20.93	24.61	337.25	4.58	6.71	29.16	59.37%	47.42	148.69	90.13	852.52	502.89	2.17	1.84%	14.11	26.07%
MIN	338	-84.95	-9.45%	0	0.04	32.98	56.77%	2.81	-12.64	-11.86	49.65	3.99	-2.52	-304.8	0.48%	3.03	-1,987.65	0.01	-82.82	5.58	-10.84	-10.17%	-59.8	-56.1%