Garima Bikas Bank Limited

Development BankHigh Cap

NPR 418.00

NPR -2-0.48%

09:13 AM NPT · May 12, 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

421.00

High

421.00

Low

416.00

Prev Close

420.00

Volume

16,765

Turnover

Rs 7,004,941.5

Txns

112

Valuation · Q2 FY25/26

EPS Ann.

21.10

EPS TTM

23.19

BVPS

159.59

P/E Ann.

19.81

P/E TTM

18.03

Graham #

275.26

Capital

Mkt Cap

23.74 Arab

Total

5.68 Crore

Public

2.78 Crore

Promoter

2.9 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Sell

SuperTrend

Strong Sell

Trend Analysis

Direction

Downtrend

Strength

Moderate

Momentum

RSI (14)

67.18

ADX

20.39

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

412.11

SMA 50

415.86

Bands & Channels

BB Width %

3.49%

Volume & Flow

OBV

7,339,085

Flow Analysis

[ Live 2026-05-12 ]

Total Buy

96,712

Shares Bought

Total Sell

96,712

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 67%

Distribution 33%

Accumulators

Quantity

39,579

Amount

16,455,653

Avg Rate

415.77

Rank

Brokers

#20#58#34#59

Distributors

Quantity

19,537

Amount

8,116,577

Avg Rate

415.45

Rank

#14

Brokers

#33#88#3#16

Net Flow Impact:

+20,042units

(Rs. 8,339,076)

Net Flow by Timeframe

GBBL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 122,665 ]

Buy Side

Total: 65,631

Broker

QTY

AVG

NET

21,277

415.20

+21,277

22.0%

8,904

416.45

+5,221

9.2%

5,868

417.99

+4,327

6.1%

4,691

415.80

+2,148

4.8%

3,635

415.82

+1,110

3.8%

3,530

413.76

+2,590

3.6%

3,150

415.82

+852

3.3%

2,840

416.08

+2,255

2.9%

2,709

415.19

+819

2.8%

2,644

415.26

+2,502

2.7%

2,144

416.17

+1,889

2.2%

1,095

418.46

+1,085

1.1%

1,085

417.34

+906

1.1%

1,049

413.55

+352

1.1%

1,010

414.59

+273

1.0%

Sell Side

Total: 57,034

Broker

QTY

AVG

NET

9,101

414.37

-9,101

9.4%

5,126

415.40

-2,544

5.3%

4,754

415.22

-2,552

4.9%

4,418

416.24

-4,418

4.6%

4,304

416.29

-756

4.5%

3,704

416.21

-2,833

3.8%

3,351

417.87

-1,015

3.5%

3,251

415.78

-1,810

3.4%

3,137

418.80

-2,512

3.2%

3,103

416.70

-2,878

3.2%

2,915

416.27

-2,905

3.0%

2,500

417.31

-2,450

2.6%

2,500

413.74

-2,500

2.6%

2,475

415.14

-2,475

2.6%

2,395

413.76

-1,002

2.5%

Financial Fundamentals

Financial Metric	FY25/26 Q2	FY24/25 Q2	FY23/24 Q2	FY22/23 Q2	Growth %
Assets
Cash & Liquidity
Cash & Cash Equivalent	3,148,974,750	3,323,829,427	2,916,044,302	4,350,184,463	-5.26%
Money at Call & Short Notice	5,270,501,436	2,975,161,674	3,018,624,470	2,596,713,275	+77.15%
Due from NRB	5,270,501,436	2,975,161,674	3,018,624,470	2,596,713,275	+77.15%
Placement with B/FIs	0.00	0.00	0.00	0.00	-
Loans & Advances
Loans and Advances	76,509,626,269	72,079,332,089	68,447,578,561	63,603,990,860	+6.15%
Loans & Advances to B/FIs	3,564,112,325	4,420,373,123	4,538,478,932	4,021,526,187	-19.37%
Loans & Advances to Customers	72,945,513,944	67,658,958,966	63,909,099,629	59,582,464,673	+7.81%
Investments
Investment Securities	16,258,294,488	18,939,346,082	15,763,846,771	11,165,561,492	-14.16%
Investment in Subsidiaries	123,900,000	123,900,000	123,900,000	123,900,000	0.00%
Investment in Associates	0.00	0.00	0.00	5964682.00	-
Investment Property	700,894,642	271,355,148	227,524,094	92,149,791	+158.29%
Other Assets
Derivative Financial Instruments	0.00	0.00	0.00	0.00	-
Other Trading Assets	0.00	0.00	0.00	0.00	-
Current Tax Assets	134,046,472	278,137,943	95,443,280	0	-51.81%
Deferred Tax Assets	38,835,344	24,888,152	32,452,227	0	+56.04%
Goodwill and Intangible Assets	102,331,328	96,973,051	99,490,645	100,525,055	+5.53%
Property & Equipment	1,871,807,736	537,329,768	611,915,784	718,224,213	+248.35%
Other Assets	735,371,452	782,326,135	529,907,738	414,053,157	-6.00%
Total Assets	104,894,583,917	99,432,579,470	91,866,727,872	83,171,266,988	+5.49%
Liabilities
Borrowings & Funding
Borrowings	2,552,603,142	2,474,905,518	3,773,756,805	3,088,553,522	+3.14%
Borrowing	0.00	2083333.00	1010416667.00	22916667.00	-100.00%
Debt Securities Issued	997,062,992	996,034,134	995,089,258	994,221,509	+0.10%
Subordinated Liabilities	0.00	0.00	0.00	0.00	-
Interbank & NRB
Due to B/FIs	1,555,540,150	1,476,788,051	1,768,250,880	2,071,415,346	+5.33%
Due to NRB	0.00	0.00	0.00	0.00	-
Deposits	91,272,368,460	87,332,866,392	78,575,554,791	71,961,881,730	+4.51%
Other Liabilities
Provisions	0.00	0.00	0.00	0.00	-
Current Tax Liabilities	0.00	0.00	0.00	5505633.00	-
Deferred Tax Liabilities	0.00	0.00	0.00	1053519.00	-
Other Liabilities	1,459,884,820	1,094,931,817	1,260,550,607	1,060,183,091	+33.33%
Other Liabilities & Provisions	1,459,884,820	1,094,931,817	1,260,550,607	1,066,742,243	+33.33%
Total Liabilities	95,284,856,422	90,902,703,727	83,609,862,203	76,117,177,495	+4.82%
Equity
Paid Up Capital	6,021,348,367	5,680,517,328	5,676,101,998	5,187,687,057	+6.00%
Share Premium	0.00	0.00	0.00	4415329.00	-
Reserves & Surpluses
Reserves	3,279,953,858	2,701,729,987	2,557,576,897	1,647,056,323	+21.40%
Reserves & Surpluses	3,588,379,129	2,849,358,416	2,580,763,671	1,866,402,435	+25.94%
Retained Earnings	308,425,271	147,628,429	23,186,774	214,930,783	+108.92%
Non-Controlling Interest	0.00	0.00	0.00	0.00	-
Total Equity	9,609,727,496	8,529,875,744	8,256,865,669	7,054,089,492	+12.66%
Total Liabilities & Equity	104,894,583,918	99,432,579,470	91,866,727,872	83,171,266,988	+5.49%

Sector Peers — Development Bank (19)

Peer Comparison

Development Bank 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)%
CORBL	2,002.1	-83.86	-4.02%	0.01	0.07	135.79	70.07%	4.93	-2.7	-	4.56%	5.16%	9.79%	12.88%	22.83	314.4	15.9	326.57	-596.3	161.96	0.94%	-0.51%	3.46%	-1.89%
EDBL	579.1	-7.51	-1.28%	0.01	0.06	177.95	75.87%	14.17	17.6	265.46	4.57%	4.28%	7.07%	15.58%	6.73	42.27	0.21	41.64	33.52	26.36	0.94%	1.18%	8.42%	10.48%
GBLBSP	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GRDBL	1,042	-16.94	-1.6%	0.01	0.07	112.86	83.15%	3.58	11.65	172	3.92%	4.2%	4.2%	4.36%	19.67	310.03	28.63	300.28	92.27	54.21	0.32%	1.06%	3.3%	10.76%
JBBL	358	-8.02	-2.19%	0.02	0.07	155.09	82.04%	14.16	1.67	76.34	3.84%	4.1%	7.82%	12.6%	4.29	23.5	0.96	23.45	198.8	11.85	0.84%	0.1%	9.3%	1.09%
KRBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-51.36	-82.82	-	-	-	-	-
KSBBL	480	-5	-1.03%	0.02	0.08	158.07	86.77%	20.43	18.32	255.26	4.17%	4.5%	4.1%	14.78%	5.72	22.12	1.99	22.3	24.87	13.09	1.1%	1%	13.56%	12.16%
LBBL	484.9	-7.98	-1.62%	0.02	0.07	190.2	85.98%	15.75	14.29	247.29	3.98%	3.98%	0%	12.08%	5.22	31.52	0.32	30.1	33.17	15.23	0.84%	0.77%	8.46%	7.68%
MDB	600	-5.02	-0.83%	0.01	0.07	135.98	84.37%	9.37	13.27	201.49	4.36%	4.06%	0.45%	17.57%	8.83	64.06	0.55	66.06	46.65	45.04	1.24%	1.78%	6.96%	9.88%
MLBL	368	-5.98	-1.6%	0.02	0.14	165.48	85.3%	14.24	7.13	162.93	4.37%	4.94%	6.1%	13.54%	4.45	25.84	7.66	25.57	51.07	13.99	1.92%	0.96%	17.18%	8.6%
MNBBL	374.2	-1.62	-0.43%	0.03	0.08	151.35	86.59%	16.8	21.33	269.51	4.59%	4.76%	3.75%	13.38%	4.61	20.79	1.21	21.37	16.83	11.13	1.02%	1.3%	11.66%	14.8%
MTBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NABBC	1,018	-36.05	-3.42%	0.01	0.03	28.9	65.88%	-19.16	-13.62	-	4.5%	-3.2%	57.48%	-473.75%	92.87	-70.04	0	-74.01	-104.11	1,328.71	-15.3%	-10.88%	-95.72%	-68.04%
SABBL	1,260	-49.91	-3.81%	0.01	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	-	-	-	-
SADBL	414	-7.89	-1.87%	0.02	0.07	153.24	83.55%	16.21	17.22	243.67	4.57%	4.72%	6.87%	12.94%	5.28	24.95	0.61	25.42	23.93	12.93	0.94%	1.01%	11.1%	11.8%
SAPDBL	791	-14.09	-1.75%	0.01	0.06	75.96	77%	6.43	15.98	165.26	3.84%	3.84%	8.29%	10.2%	21.84	129	0.67	126.59	50.94	52.65	0.6%	1.53%	8.4%	20.9%
SHBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SHINE	411.5	-1.98	-0.48%	0.02	0.07	146.6	84.77%	16.1	15.17	223.69	4.19%	4.22%	4.75%	13.73%	5.5	25.04	1.34	25.06	26.6	13.76	1%	0.95%	11.24%	10.6%
SINDU	707	-4.98	-0.7%	0	0.06	94.19	64.35%	-5.55	9.7	143.38	4.59%	3.36%	6.39%	-7.98%	15.19	-128.88	0	-131.71	75.36	41.16	-0.48%	0.85%	-6.6%	11.55%

AVG	725.99	-17.12	-1.78%	0.01	0.071	134.4	79.69%	9.1	10.5	202.19	4.29%	3.78%	9.08%	-23.44%	15.931	59.614	3.753	48.583	-6.826	128.719	-0.29%	0.08%	0.77%	4.31%
MED	579.1	-7.89	-1.6%	0.01	0.07	148.98	83.35%	14.17	13.78	212.59	4.37%	4.21%	6.24%	12.91%	6.225	25.44	0.64	25.24	29.885	20.795	0.94%	0.98%	8.44%	10.54%
MAX	2,002.1	-1.62	-0.43%	0.03	0.14	190.2	86.77%	20.43	21.33	269.51	4.59%	5.16%	57.48%	17.57%	92.87	314.4	28.63	326.57	198.8	1,328.71	1.92%	1.78%	17.18%	20.9%
MIN	358	-83.86	-4.02%	0	0.03	28.9	64.35%	-19.16	-13.62	76.34	3.84%	-3.2%	0%	-473.75%	4.29	-128.88	0	-131.71	-596.3	11.13	-15.3%	-10.88%	-95.72%	-68.04%