Garima Bikas Bank Limited

Development BankHigh Cap

NPR 454.00

NPR +3+0.67%

09:14 AM NPT · Sep 24, 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

453.00

High

456.00

Low

449.00

Prev Close

451.00

Volume

146,930

Turnover

Rs 66,452,298.3

Txns

381

Valuation · Q4 FY25/26

EPS Ann.

28.04

EPS TTM

28.04

BVPS

177.26

P/E Ann.

16.19

P/E TTM

16.19

Graham #

334.41

Capital

Mkt Cap

25.79 Arab

Total

5.68 Crore

Public

2.78 Crore

Promoter

2.9 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Buy

RSI

Strong Sell

SuperTrend

Strong Buy

Trend Analysis

Direction

Downtrend

Strength

Very Strong

Momentum

RSI (14)

76.44

ADX

44.21

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

439.37

SMA 50

426.34

Bands & Channels

BB Width %

13.04%

Volume & Flow

OBV

7,981,516

Flow Analysis

[ Live 2026-09-24 ]

Total Buy

543,414

Shares Bought

Total Sell

543,414

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 37%

Distribution 63%

Accumulators

Quantity

134,423

Amount

61,036,046

Avg Rate

454.06

Rank

Brokers

#4#97#1#14#49

Distributors

Quantity

227,730

Amount

103,303,134

Avg Rate

453.62

Rank

Brokers

#44#70#84#33

Net Flow Impact:

-93,307units

(Rs. -42,267,088)

Net Flow by Timeframe

GBBL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 645,985 ]

Buy Side

Total: 266,980

Broker

QTY

AVG

NET

43,360

454.23

+36,818

8.0%

30,605

455.07

+12,639

5.6%

24,000

453.41

+15,760

4.4%

22,869

454.54

+15,195

4.2%

22,241

453.29

+22,241

4.1%

21,953

454.72

+19,223

4.0%

15,018

454.91

+6,718

2.8%

14,914

455.38

+3,039

2.7%

13,579

454.24

+7,466

2.5%

10,968

455.67

+9,090

2.0%

10,424

457.09

+10,324

1.9%

9,890

455.33

+6,287

1.8%

9,341

454.18

+8,318

1.7%

9,013

455.44

+9,013

1.7%

8,805

452.43

+5,835

1.6%

Sell Side

Total: 379,005

Broker

QTY

AVG

NET

133,747

452.71

-75,525

24.6%

35,029

452.93

-34,733

6.5%

34,975

456.87

-34,275

6.4%

33,322

454.85

-2,289

6.1%

23,979

454.95

-17,064

4.4%

21,234

453.69

-4,292

3.9%

16,088

456.47

-12,043

3.0%

15,800

455.08

-14,790

2.9%

15,587

455.12

-12,635

2.9%

9,417

455.18

-2,312

1.7%

8,778

455.45

-2,341

1.6%

8,140

456.63

-3,668

1.5%

7,844

456.63

-7,774

1.4%

7,700

454.62

-4,296

1.4%

7,365

453.16

-52

1.4%

Financial Fundamentals

Financial Metric	FY25/26 Q4	FY24/25 Q4	FY23/24 Q4	FY22/23 Q4	Growth %
Assets
Cash & Liquidity
Cash & Cash Equivalent	2,950,652	3,165,092	4,720,352	0	-6.78%
Money at Call & Short Notice	4,068,883	3,777,784	3,743,827	0	+7.71%
Due from NRB	4,068,883	3,777,784	3,743,827	0	+7.71%
Placement with B/FIs	0.00	0.00	0.00	0	-
Loans & Advances
Loans and Advances	81,600,577	73,890,701	70,345,276	0	+10.43%
Loans & Advances to B/FIs	3,359,450	4,574,216	4,333,135	0	-26.56%
Loans & Advances to Customers	78,241,127	69,316,485	66,012,141	0	+12.88%
Investments
Investment Securities	20,900,553	20,195,713	16,632,629	0	+3.49%
Investment in Subsidiaries	123,900	123,900	123,900	0	0.00%
Investment in Associates	0.00	0.00	0.00	0	-
Investment Property	630,035	675,496	198,252	0	-6.73%
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	13,322	57,762	63,295	0	-76.94%
Deferred Tax Assets	38,835	38,086	45,558	0	+1.97%
Goodwill and Intangible Assets	100,534	103,541	98,045	0	-2.90%
Property & Equipment	1,788,556	1,908,680	585,590	0	-6.29%
Other Assets	978,494	807,614	830,216	0	+21.16%
Total Assets	113,041,649	104,544,981	97,180,042	0	+8.13%
Liabilities
Borrowings & Funding
Borrowings	2,390,113	3,563,051	2,785,575	0	-32.92%
Borrowing	0.00	0.00	6250.00	0	-
Debt Securities Issued	998,183	997,063	996,034	0	+0.11%
Subordinated Liabilities	0.00	0.00	0.00	0	-
Interbank & NRB
Due to B/FIs	1,391,930	2,565,988	1,783,291	0	-45.75%
Due to NRB	0.00	0.00	0.00	0	-
Deposits	98,472,073	90,115,630	84,252,756	0	+9.27%
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	1,506,221	1,540,355	1,195,675	0	-2.22%
Other Liabilities & Provisions	1,506,221	1,540,355	1,195,675	0	-2.22%
Total Liabilities	102,368,407	95,219,035	88,234,007	0	+7.51%
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	3,433,932	2,930,450	2,668,022	0	+17.18%
Reserves & Surpluses	4,651,894	3,645,428	3,265,518	0	+27.61%
Retained Earnings	1,217,962	714,978	597,496	0	+70.35%
Non-Controlling Interest	0.00	0.00	0.00	0	-
Total Equity	10,673,242	9,325,945	8,946,035	0	+14.45%
Total Liabilities & Equity	113,041,649	104,544,981	97,180,042	0	+8.13%

Sector Peers — Development Bank (19)

Peer Comparison

Development Bank 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)	PEG	P/E (TTM)	P/S	ROA (Annualized)	ROA (TTM)%	ROE (Annualized)	ROE (TTM)%
CORBL	795.1	-6.9	-0.86%	0	0.07	139.73	58.14%	3.55	9.54	9.54	173.19	4.57	5.24	24.24	6.24%	11.43	167.35	0.21	86.37	40.55	1.61	1.61%	6.91	6.91%
EDBL	575	+11.99	+2.13%	0.01	0.06	177.85	73.5%	8.6	24.76	24.76	314.77	4.55	4.84	25.48	4.57%	3.16	22.67	0.04	23.58	5.78	1.52	1.52%	14.34	14.34%
GBLBSP	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GRDBL	960	-5.02	-0.52%	0.01	0.07	122.83	84.95%	8.58	11.76	11.76	180.28	4.57	4.61	14.23	3.22%	8.46	88.34	-	85.2	12.58	1	1%	9.97	9.97%
JBBL	351.9	+3.59	+1.03%	0.02	0.07	170.97	81.07%	9.37	22.88	22.88	296.67	4.15	4.51	19.58	6.55%	1.98	14.82	-	15.17	2.9	1.34	1.34%	14.31	14.31%
KRBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-82.82	-	-	-	-	-
KSBBL	448	-2.21	-0.49%	0.02	0.07	165.11	86.34%	9.88	21.23	21.23	280.84	3.98	4.32	17.21	3.77%	2.87	22.33	1.25	21.54	3.84	1.21	1.21%	13.9	13.9%
LBBL	484.4	-1.51	-0.31%	0.02	0.07	213.73	86.63%	7.77	23.48	23.48	336.03	3.76	4.15	18.5	6.94%	2.26	20.59	0.17	21	3.81	1.25	1.25%	11.55	11.55%
MDB	560	+4.89	+0.88%	0.01	0.07	143.2	81.39%	5.15	11.6	11.6	193.33	4.37	4.26	20.94	0.26%	4.06	50.17	5.88	48.88	10.51	1.48	1.48%	8.16	8.16%
MLBL	356.2	-3.82	-1.06%	0.02	0.07	165.42	86.82%	7.72	13.96	13.96	227.94	4.19	4.65	14.52	6.32%	2.09	24.79	1.42	26.11	3.6	0.96	0.96%	8.63	8.63%
MNBBL	337	-1.01	-0.3%	0.03	0.07	161.82	83.86%	9.9	18.98	18.98	262.88	4.55	4.68	15.65	4.77%	2.24	19.12	-	17.7	2.99	1.09	1.09%	12.18	12.18%
MTBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NABBC	751.8	+6.78	+0.91%	0	0.03	29.47	49.34%	4	-10.25	-10.25	-	3.76	-1.82	-235.15	48.49%	26.98	-77.56	-	-78.54	182.34	-7.94	-7.94%	-47.61	-47.61%
SABBL	871	-1.92	-0.22%	0	0.07	103.52	63.31%	3.04	1.46	1.46	58.31	4.58	5.49	5.45	0.35%	8.07	571.92	-	614.38	31.26	0.38	0.38%	1.67	1.67%
SADBL	404.5	-7.04	-1.71%	0.02	0.07	169.5	83.37%	9.43	23.83	23.83	301.47	4.14	5.14	18.63	6.87%	2.38	16.95	0.31	17.65	3.16	1.37	1.37%	14.95	14.95%
SAPDBL	605	-1.03	-0.17%	0.01	0.06	86.71	67.63%	12.98	18.04	18.04	187.6	4.2	4.02	27.26	2.15%	8.42	40.47	0.36	34.7	11.04	1.62	1.62%	23.84	23.84%
SHBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SHINE	433	+3.9	+0.91%	0.02	0.07	159.48	84.18%	9.95	23.52	23.52	290.51	4.01	4.41	19.65	4.93%	2.6	17.64	0.27	18.28	3.47	1.4	1.4%	15.34	15.34%
SINDU	417.9	-0.59	-0.14%	0	0.06	96.87	66.92%	10.36	0.18	0.18	19.81	4.59	4.08	0.25	5.92%	6.92	3,722.22	-	2,361.11	9.54	0.01	0.01%	0.19	0.19%

AVG	556.72	0.01	0.01%	0.01	0.065	140.41	75.83%	8.02	14.33	14.33	223.12	4.26	4.17	0.43	7.42%	6.261	314.79	1.101	201.894	21.825	0.55	0.55%	7.22	7.22%
MED	484.4	-1.03	-0.22%	0.01	0.07	159.48	81.39%	8.6	18.04	18.04	245.41	4.2	4.51	18.5	4.93%	3.16	22.67	0.31	22.56	5.78	1.25	1.25%	11.55	11.55%
MAX	960	11.99	2.13%	0.03	0.07	213.73	86.82%	12.98	24.76	24.76	336.03	4.59	5.49	27.26	48.49%	26.98	3,722.22	5.88	2,361.11	182.34	1.62	1.62%	23.84	23.84%
MIN	337	-7.04	-1.71%	0	0.03	29.47	49.34%	3.04	-10.25	-10.25	19.81	3.76	-1.82	-235.15	0.26%	1.98	-77.56	0.04	-82.82	2.9	-7.94	-7.94%	-47.61	-47.61%