Garima Bikas Bank Limited

Development BankHigh Cap

NPR 411.70

NPR +0.7+0.17%

09:14 AM NPT · Nov 6, 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

412.00

High

414.50

Low

408.20

Prev Close

411.00

Volume

19,532

Turnover

Rs 8,053,803.8

Txns

Valuation · Q4 FY25/26

EPS Ann.

28.04

EPS TTM

28.04

BVPS

177.26

P/E Ann.

14.68

P/E TTM

14.68

Graham #

334.41

Capital

Mkt Cap

27.49 Arab

Total

6.68 Crore

Public

3.27 Crore

Promoter

3.4 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Neutral

SuperTrend

Strong Buy

Trend Analysis

Direction

Downtrend

Strength

Strong

Momentum

RSI (14)

54.61

ADX

37.51

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

410.8

SMA 50

398.73

Bands & Channels

BB Width %

6.31%

Volume & Flow

OBV

8,080,975

Flow Analysis

[ Live 2026-11-06 ]

Total Buy

260,778

Shares Bought

Total Sell

260,778

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 57%

Distribution 43%

Accumulators

Quantity

154,255

Amount

63,910,217

Avg Rate

414.32

Rank

Brokers

#75#20#44

Distributors

Quantity

118,741

Amount

49,194,994

Avg Rate

414.31

Rank

Brokers

#33#22#34#71#19

Net Flow Impact:

+35,514units

(Rs. 14,715,223)

Net Flow by Timeframe

GBBL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 401,246 ]

Buy Side

Total: 211,166

Broker

QTY

AVG

NET

107,956

414.07

+107,956

41.4%

26,085

413.39

+25,272

10.0%

20,214

416.83

+19,304

7.8%

13,299

414.65

+10,660

5.1%

12,423

412.84

+12,271

4.8%

9,468

413.31

+9,468

3.6%

4,430

414.77

+2,498

1.7%

3,963

413.30

+1,132

1.5%

2,856

413.04

+148

1.1%

101

2,250

414.19

+250

0.9%

2,027

412.17

+2,027

0.8%

1,850

413.09

+470

0.7%

1,550

413.94

+631

0.6%

1,400

413.29

+1,400

0.5%

1,395

415.23

+1,395

0.5%

Sell Side

Total: 190,080

Broker

QTY

AVG

NET

50,650

414.87

-50,459

19.4%

26,869

415.16

-26,674

10.3%

20,141

412.62

-16,935

7.7%

15,257

415.90

-4,513

5.8%

12,150

414.22

-10,800

4.7%

8,931

412.44

-8,631

3.4%

8,450

412.93

-6,996

3.2%

7,804

413.72

-6,311

3.0%

7,421

413.87

-7,180

2.9%

7,106

415.30

-5,925

2.7%

5,955

411.43

-2,210

2.3%

4,961

409.73

-4,341

1.9%

4,938

413.60

-3,818

1.9%

4,790

413.80

-2,540

1.8%

4,657

412.31

-4,599

1.8%

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	762	-1.99	-0.26%	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	568.9	-1.08	-0.19%	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	934.9	+24.93	+2.74%	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	354.5	+2.5	+0.71%	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	481	+3.72	+0.78%	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	527	+5.01	+0.96%	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	570	+3.4	+0.6%	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	373	-1.8	-0.48%	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	344	+0.89	+0.26%	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	663	+0.99	+0.15%	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	795	-6.98	-0.87%	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	393.9	+1.88	+0.48%	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	564	+7.02	+1.26%	0	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	408.3	-3.5	-0.85%	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	406	+2.1	+0.52%	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	543.03	2.47	0.39%	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	527	1.88	0.48%	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	934.9	24.93	2.74%	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	344	-6.98	-0.87%	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%