Garima Bikas Bank Limited

Development BankHigh Cap

NPR 419.00

NPR +0.4+0.10%

09:14 AM NPT · Aug 11, 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

418.00

High

421.50

Low

418.00

Prev Close

418.60

Volume

21,129

Turnover

Rs 8,853,104.7

Txns

Valuation · Q3 FY25/26

EPS Ann.

23.21

EPS TTM

26.99

BVPS

167.58

P/E Ann.

18.05

P/E TTM

15.52

Graham #

295.83

Capital

Mkt Cap

23.8 Arab

Total

5.68 Crore

Public

2.78 Crore

Promoter

2.9 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Sell

RSI

Neutral

SuperTrend

Strong Buy

Trend Analysis

Direction

Downtrend

Strength

Weak

Momentum

RSI (14)

46.65

ADX

14.94

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

417.71

SMA 50

410.84

Bands & Channels

BB Width %

5.98%

Volume & Flow

OBV

7,211,831

Flow Analysis

[ Live 2026-08-11 ]

Total Buy

204,268

Shares Bought

Total Sell

204,268

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 43%

Distribution 57%

Accumulators

Quantity

61,806

Amount

25,887,497

Avg Rate

418.85

Rank

Brokers

#14#74#39#85

Distributors

Quantity

82,262

Amount

34,383,483

Avg Rate

417.98

Rank

Brokers

#82#44#34#41

Net Flow Impact:

-20,456units

(Rs. -8,495,985)

Net Flow by Timeframe

GBBL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 275,826 ]

Buy Side

Total: 112,273

Broker

QTY

AVG

NET

17,941

420.03

+17,636

8.8%

17,471

417.28

+13,765

8.6%

15,894

418.94

+15,894

7.8%

10,500

419.33

+10,000

5.1%

8,458

423.36

+5,665

4.1%

6,365

419.96

+5,709

3.1%

5,454

419.53

+5,320

2.7%

5,041

417.54

+5,041

2.5%

5,005

419.58

+5,005

2.5%

4,710

419.31

+2,858

2.3%

4,651

418.91

+4,229

2.3%

3,055

419.28

+2,437

1.5%

2,874

418.64

+2,567

1.4%

2,563

418.44

+131

1.3%

2,291

418.64

+1,566

1.1%

Sell Side

Total: 163,553

Broker

QTY

AVG

NET

46,023

417.30

-5,328

22.5%

28,000

418.20

-28,000

13.7%

23,828

415.80

-14,070

11.7%

20,773

419.51

-17,713

10.2%

9,661

419.37

-8,961

4.7%

7,134

417.33

-218

3.5%

6,560

420.50

-3,141

3.2%

3,900

420.09

-3,900

1.9%

3,159

419.93

-3,159

1.6%

3,035

422.07

-3,035

1.5%

2,438

418.82

-1,619

1.2%

2,380

418.97

-114

1.2%

2,240

418.12

-1,720

1.1%

2,235

422.10

-1,064

1.1%

2,187

419.20

-677

1.1%

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	1,140	-15.25	-1.32%	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	587.9	+7.89	+1.36%	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	1,050.9	-8.05	-0.76%	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	337.2	-1.8	-0.53%	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	470.8	+2.81	+0.6%	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	484	-1.02	-0.21%	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	576	-2.02	-0.35%	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	348	0	0%	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	366.8	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	817	+4.79	+0.59%	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	957.2	-23.74	-2.42%	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	410	+2	+0.49%	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	802	-32.98	-3.95%	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	410	+3.01	+0.74%	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	688	-2.97	-0.43%	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	629.72	-4.49	-0.41%	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	576	-1.02	-0.21%	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	1,140	7.89	1.36%	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	337.2	-32.98	-3.95%	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%