Himalayan Bank Limited

BankingLow Cap

NPR 195.00

NPR 00.00%

09:14 AM NPT · Aug 13, 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

193.30

High

197.80

Low

192.00

Prev Close

195.00

Volume

42,981

Turnover

Rs 8,310,973.3

Txns

Valuation · Q3 FY25/26

EPS Ann.

4.50

EPS TTM

7.86

BVPS

171.96

P/E Ann.

43.33

P/E TTM

24.81

Graham #

131.95

Capital

Mkt Cap

44.03 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

Weak

Momentum

RSI (14)

25.88

ADX

18.03

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

199.12

SMA 50

197.17

Bands & Channels

BB Width %

6.97%

Volume & Flow

OBV

-1,225,807

Flow Analysis

[ Live 2026-08-13 ]

Total Buy

297,302

Shares Bought

Total Sell

297,302

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 53%

Distribution 47%

Accumulators

Quantity

134,595

Amount

26,629,256

Avg Rate

197.85

Rank

#13

Brokers

#63#49#62#13#74

Distributors

Quantity

117,695

Amount

23,152,319

Avg Rate

196.71

Rank

#10

Brokers

#35#72#34#19

Net Flow Impact:

+16,900units

(Rs. 3,476,936)

Net Flow by Timeframe

HBL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 387,595 ]

Buy Side

Total: 201,325

Broker

QTY

AVG

NET

78,070

200.37

+57,030

26.3%

28,702

194.72

+18,364

9.7%

17,063

193.98

+6,201

5.7%

12,300

193.73

+5,470

4.1%

9,733

194.68

+9,519

3.3%

9,620

193.76

+9,256

3.2%

8,470

193.52

+7,656

2.9%

5,445

194.38

+3,876

1.8%

5,433

193.02

+2,035

1.8%

5,086

194.20

+4,978

1.7%

5,085

194.17

+2,834

1.7%

4,630

193.94

+3,608

1.6%

4,281

194.21

+416

1.4%

3,775

194.35

+1,120

1.3%

3,632

192.75

+1,592

1.2%

Sell Side

Total: 186,270

Broker

QTY

AVG

NET

51,355

200.62

-42,181

17.3%

31,504

193.43

-30,864

10.6%

20,921

194.88

-16,770

7.0%

16,497

195.06

-507

5.5%

13,915

192.50

-13,901

4.7%

13,206

197.22

-7,951

4.4%

5,915

195.50

-3,895

2.0%

5,241

195.01

-3,911

1.8%

5,088

193.35

-1,854

1.7%

4,360

194.63

-3,445

1.5%

4,020

192.41

-4,020

1.4%

3,770

194.12

-409

1.3%

3,625

194.79

-1,326

1.2%

3,601

196.77

-2,457

1.2%

3,252

195.75

-2,752

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	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	304.8	+0.79	+0.26%	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	204.9	+1	+0.49%	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	722	+5.37	+0.75%	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	251.6	+1.6	+0.64%	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	218	-1.01	-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	220.6	-0.31	-0.14%	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	254.8	+0.79	+0.31%	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	550	0	0%	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	268.7	+1.71	+0.64%	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	325	-0.1	-0.03%	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	195.4	+2.3	+1.19%	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	242.5	-0.39	-0.16%	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	0%	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	190	+0.61	+0.32%	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	371.8	+5.78	+1.58%	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	404	0	0%	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	413.5	+2.59	+0.63%	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	658	+8	+1.23%	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	335.31	1.6	0.4%	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	261.75	0.79	0.32%	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	722	8	1.58%	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	190	-1.01	-0.46%	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%