Himalayan Bank Limited

BankingLow Cap

NPR 194.80

NPR -0.1-0.05%

09:14 AM NPT · Aug 7, 2026

Est. January 18, 1993 · Kathmandu, Nepal · CEO: Ashoke SJB Rana

Himalayan Bank Limited (HBL), established in 1993 as a joint venture with Habib Bank Limited of Pakistan, is one of Nepal’s most prestigious and innovative commercial banks. Since its inception, HBL has played a pioneering role in transforming Nepal’s banking industry, introducing several first-of-its-kind products such as the Premium Savings Account, HBL Proprietary Card, Millionaire Deposit Scheme, ATMs, and Tele-banking services. HBL began operations from the iconic Sanchayakosh Building in Thamel, Kathmandu, and has steadily expanded its footprint nationwide. Today, it stands as a leader in customer service, digital innovation, and financial excellence. The bank is also Nepal’s largest inward remittance handler, powered by its proprietary remittance platform HimalRemit™, which connects Nepali diaspora across major global destinations including the Gulf, Europe, Australia, Japan, the USA, and more. Under Nepal Rastra Bank’s merger policy, Himalayan Bank successfully acquired Civil Bank Limited at a 100:80.28 swap ratio and began joint operations from February 24, 2023. With this integration, HBL now operates through 174 Branch Offices and 20 Extension Counters, strengthening its nationwide presence. Guided by a legacy of trust, innovation, and service excellence, Himalayan Bank Limited continues to set benchmarks in Nepal’s financial sector through customer-centric solutions, technological leadership, and sustainable growth.

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Trading

Open

194.00

High

197.00

Low

193.00

Prev Close

194.90

Volume

33,399

Turnover

Rs 6,495,104.7

Txns

Valuation · Q3 FY25/26

EPS Ann.

4.50

EPS TTM

7.86

BVPS

171.96

P/E Ann.

43.29

P/E TTM

24.78

Graham #

131.95

Capital

Mkt Cap

43.99 Arab

Total

22.58 Crore

Public

6.1 Crore

Promoter

16.48 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Sell

RSI

Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Moderate

Momentum

RSI (14)

39.65

ADX

22.95

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

198.68

SMA 50

197.66

Bands & Channels

BB Width %

8.36%

Volume & Flow

OBV

-1,289,925

Flow Analysis

[ Live 2026-08-07 ]

Total Buy

358,238

Shares Bought

Total Sell

358,238

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 30%

Distribution 70%

Accumulators

Quantity

86,514

Amount

17,146,501

Avg Rate

198.19

Rank

#18

Brokers

#63#56#92#42#53

Distributors

Quantity

198,927

Amount

38,842,190

Avg Rate

195.26

Rank

#10

Brokers

#58#34#44#76

Net Flow Impact:

-112,413units

(Rs. -21,695,690)

Net Flow by Timeframe

HBL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 446,904 ]

Buy Side

Total: 183,198

Broker

QTY

AVG

NET

21,310

203.20

+21,070

6.0%

20,479

190.02

+15,448

5.7%

18,587

197.06

+12,443

5.2%

14,733

198.20

+8,756

4.1%

13,995

201.29

+13,985

3.9%

13,785

192.88

+10,686

3.9%

12,143

201.36

+11,430

3.4%

11,408

193.40

+3,034

3.2%

9,817

198.08

+5,620

2.7%

9,718

199.86

+5,879

2.7%

8,790

200.04

+2,079

2.5%

8,110

195.91

+4,817

2.3%

7,268

194.79

+4,612

2.0%

6,536

195.39

+5,516

1.8%

6,519

194.55

+2,904

1.8%

Sell Side

Total: 263,706

Broker

QTY

AVG

NET

148,087

194.08

-107,447

41.3%

23,287

196.97

-19,000

6.5%

18,351

200.49

-15,843

5.1%

10,808

202.46

-8,847

3.0%

9,738

197.57

-6,748

2.7%

9,202

199.50

-9,202

2.6%

8,619

201.41

-6,565

2.4%

7,983

203.76

-1,456

2.2%

6,590

195.32

-5,400

1.8%

4,067

198.62

-4,067

1.1%

3,970

202.32

-484

1.1%

3,602

198.17

-974

1.0%

3,536

197.19

-2,896

1.0%

3,141

198.11

-2,401

0.9%

2,725

199.49

-2,295

0.8%

Financial Fundamentals

Financial Metric	FY25/26 Q3	FY24/25 Q3	FY23/24 Q3	FY22/23 Q3	Growth %
Assets
Cash & Liquidity
Cash & Cash Equivalent	14,531,824	15,334,514	21,556,400	0	-5.23%
Money at Call & Short Notice	78,132,356	43,284,174	39,738,889	0	+80.51%
Due from NRB	54,171,593	21,806,177	32,099,226	0	+148.42%
Placement with B/FIs	23,960,763	21,477,997	7,639,663	0	+11.56%
Loans & Advances
Loans and Advances	243,088,391	243,325,344	242,943,523	0	-0.10%
Breakdown
Loans & Advances to B/FIs	11,674,090	9,790,478	9,765,096	0	+19.24%
Loans & Advances to Customers	231,414,301	233,534,866	233,178,427	0	-0.91%
Investments
Investment Securities	44,382,316	43,153,744	46,480,226	0	+2.85%
Investment in Subsidiaries	1,060,063	1,060,063	1,060,063	0	0.00%
Investment in Associates	190,929	190,929	190,929	0	0.00%
Investment Property	6,081,281	5,143,520	1,273,817	0	+18.23%
Other Assets
Derivative Financial Instruments	64,942	184,683	4,499	0	-64.84%
Other Trading Assets	0.00	0.00	0.00	0	-
Current Tax Assets	356,502	426,115	155,403	0	-16.34%
Deferred Tax Assets	4,349,148	2,708,820	1,255,839	0	+60.56%
Goodwill and Intangible Assets	1,243,971	981,017	993,324	0	+26.80%
Property & Equipment	8,007,391	8,182,502	5,241,390	0	-2.14%
Other Assets	11,427,660	8,730,324	6,524,373	0	+30.90%
Total Assets	406,902,212	368,405,115	365,009,610	0	+10.45%
Liabilities
Borrowings & Funding
Borrowings	14,137,842	14,944,363	16,003,290	0	-5.40%
Borrowing	0.00	0.00	0.00	0	-
Debt Securities Issued	8,180,825	8,252,547	8,248,258	0	-0.87%
Subordinated Liabilities	0.00	0.00	0.00	0	-
Interbank & NRB
Due to B/FIs	5,957,017	6,691,815	7,755,032	0	-10.98%
Due to NRB	0.00	0.00	0.00	0	-
Deposits	338,181,831	301,137,978	298,625,867	0	+12.30%
Other Liabilities
Derivative Financial Instruments	64,942	184,683	4,499	0	-64.84%
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	15,507,033	15,179,620	14,807,180	0	+2.16%
Other Liabilities & Provisions	15,750,311	15,193,715	14,814,556	0	+3.66%
Total Liabilities	368,069,984	331,276,056	329,443,713	0	+11.11%
Shareholders Equity
Paid Up Capital	22,581,663	21,656,616	21,656,616	0	+4.27%
Share Premium	527,277	0	0	0	-
Reserves & Surpluses
Reserves	26,191,206	22,835,904	19,151,771	0	+14.69%
Reserves & Surpluses	16,250,565	15,472,444	13,909,282	0	+5.03%
Retained Earnings	-10,467,918	-7,363,460	-5,242,489	0	-42.16%
Non-Controlling Interest	0.00	0.00	0.00	0	-
Total Equity	38,832,228	37,129,060	35,565,897	0	+4.59%
Total Liabilities & Equity	406,902,212	368,405,115	365,009,610	0	+10.45%

Sector Peers — Banking (26)

Peer Comparison

Banking 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)%
ADBL	307.9	-0.9	-0.29%	0.04	0.06	194.58	65.44%	9.41	9.42	18.77	286.66	3.47	3.85	9.02	5.06%	2.16	33.47	-	16.89	5.37	0.49	1%	4.95	9.86%
BOKL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CCBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CZBIL	202	0	0%	0.03	0.06	155.99	82.18%	9.28	11.23	10.56	192.52	3.55	3.64	11.58	6.82%	1.8	18.72	0.61	19.18	3.86	0.71	0.67%	7.44	7%
EBL	723	-2.03	-0.28%	0.1	0.06	244.21	85.88%	10.3	32.35	34.91	437.97	3.12	3.47	22.17	0.61%	3.81	21.58	-	20.32	8.5	1.25	1.36%	13.87	14.97%
GBIME	251	-1.31	-0.52%	0.09	0.06	178.53	71.13%	10.39	15.4	15.93	252.96	3.3	3.47	14.76	4.97%	1.78	15.45	-	14.95	4.06	0.81	0.85%	8.75	9.05%
KBL	215	-0.99	-0.46%	0.06	0.06	158.53	77.14%	10.41	21.24	22.91	285.86	3.13	4.31	19.36	6.94%	1.93	10.78	0.01	9.4	3.71	1.23	1.33%	14.49	15.64%
LBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
LSL	220.2	-2.61	-1.17%	0.06	0.06	175.08	77.04%	9.46	10.15	16.81	257.33	3.4	3.36	10.77	5.29%	1.64	21.23	1.79	13.16	4.07	0.59	0.99%	6.05	10.03%
MBL	255	+2	+0.79%	0.03	0.06	154.52	77.67%	9.69	14.66	17.02	243.26	3.53	3.52	16.36	4.01%	2.17	17.19	1.07	14.67	5	0.96	1.12%	10.65	12.38%
MEGA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NABIL	556	+3.97	+0.72%	0.14	0.06	220.95	79.5%	9.14	28.14	27.58	370.28	3.31	3.57	23.78	0.98%	3.2	18.83	1.46	19.4	7.96	1.35	1.32%	13.65	13.38%
NBB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NBL	269.9	+0.89	+0.33%	0.04	0.05	272.79	66.07%	10.25	25.34	25.74	397.47	3.7	3.93	17.24	4.96%	1.36	10.97	33.06	10.41	3.36	0.89	0.91%	9.49	9.64%
NCCB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NICA	326	-1.9	-0.58%	0.05	0.06	172.97	65.39%	13.97	1.25	0.97	61.44	3.4	4	0.8	0.49%	2.85	296	-	356.7	4.21	0.04	0.03%	0.67	0.52%
NIMB	195	-0.9	-0.46%	0.07	0.05	199.72	68.37%	8.04	12.29	15.72	265.78	2.79	3.73	13.26	8.41%	1.41	17.14	-	12.55	4.04	0.71	0.92%	6.29	8.05%
NMB	243.1	-0.8	-0.33%	0.05	0.06	165.59	84.68%	9.17	16.08	16.14	245.22	3.5	3.84	16.81	4.95%	2	15.45	-	15.07	4.62	0.99	0.99%	10.47	10.5%
PCBL	240	-0.1	-0.04%	0.05	0.07	171.28	83.12%	8.07	19.66	23.31	299.72	3.79	3.95	18.95	6.39%	1.91	12.49	0.43	10.3	4.21	1.31	1.56%	12.13	14.4%
PRVU	191	-1.31	-0.68%	0.05	0.06	146.26	70.61%	10.67	4.82	18.77	248.53	3.44	4.19	5.06	8.84%	1.91	43.36	-	10.5	3.9	0.28	1.12%	3.28	12.78%
SANIMA	370	-3.7	-0.99%	0.05	0.06	169.34	82.76%	9.39	20.11	20.98	282.73	3.48	3.45	18.93	3.99%	2.76	17.4	0.76	17.54	5.86	1.19	1.24%	12.97	13.53%
SBI	405.9	-0.49	-0.12%	0.04	0.06	189.57	68.57%	10.86	17.19	18.18	278.47	3.31	3.41	13.52	2.53%	2.85	23.56	1.38	21.95	5.66	0.81	0.86%	9.4	9.94%
SBL	410	-0.99	-0.24%	0.06	0.06	194.39	77.92%	9.31	14.68	20.45	299.07	3.71	3.64	13.03	3.71%	2.69	26.7	-	19.61	6.19	0.79	1.1%	8.28	11.54%
SCB	648	-6.02	-0.92%	0.07	0.04	218.59	52.95%	6.99	27.64	29.25	379.29	3.67	5.03	37.87	1.81%	3.97	23.55	-	22.46	15.86	1.69	1.8%	12.93	13.69%
SRBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	334.94	-0.95	-0.29%	0.06	0.058	187.94	74.25%	9.71	16.76	19.67	282.48	3.42	3.8	15.74	4.49%	2.344	35.77	4.508	34.726	5.58	0.89	1.07%	9.21	10.94%
MED	262.45	-0.94	-0.31%	0.05	0.06	176.81	77.09%	9.44	15.74	18.77	280.6	3.46	3.69	15.56	4.96%	2.08	18.78	1.07	15.98	4.415	0.85	1.05%	9.45	11.02%
MAX	723	3.97	0.79%	0.14	0.07	272.79	85.88%	13.97	32.35	34.91	437.97	3.79	5.03	37.87	8.84%	3.97	296	33.06	356.7	15.86	1.69	1.8%	14.49	15.64%
MIN	191	-6.02	-1.17%	0.03	0.04	146.26	52.95%	6.99	1.25	0.97	61.44	2.79	3.36	0.8	0.49%	1.36	10.78	0.01	9.4	3.36	0.04	0.03%	0.67	0.52%