Himalayan Bank Limited

BankingLow Cap

NPR 200.90

NPR -0.9-0.45%

09:14 AM NPT · Nov 6, 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

201.80

High

201.90

Low

200.00

Prev Close

201.80

Volume

52,918

Turnover

Rs 10,615,039.5

Txns

Valuation · Q4 FY25/26

EPS Ann.

6.56

EPS TTM

6.56

BVPS

177.48

P/E Ann.

30.63

P/E TTM

30.63

Graham #

161.85

Capital

Mkt Cap

46.29 Arab

Total

23.04 Crore

Public

6.91 Crore

Promoter

16.13 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Sell

RSI

Neutral

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Very Strong

Momentum

RSI (14)

51.84

ADX

61.22

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

200.5

SMA 50

195.12

Bands & Channels

BB Width %

10.61%

Volume & Flow

OBV

-965,117

Flow Analysis

[ Live 2026-11-06 ]

Total Buy

505,827

Shares Bought

Total Sell

505,827

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 43%

Distribution 57%

Accumulators

Quantity

128,966

Amount

26,240,919

Avg Rate

203.47

Rank

#17

Brokers

#40#42#43#49

Distributors

Quantity

171,456

Amount

34,789,206

Avg Rate

202.90

Rank

#18

Brokers

#47#45#4#63#74

Net Flow Impact:

-42,490units

(Rs. -8,548,287)

Net Flow by Timeframe

HBL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 595,112 ]

Buy Side

Total: 290,368

Broker

QTY

AVG

NET

38,452

203.49

+15,178

7.6%

35,918

205.35

+34,258

7.1%

31,566

202.06

+20,250

6.2%

31,484

202.59

+2,625

6.2%

23,030

202.45

+18,820

4.5%

18,191

202.73

+9,491

3.6%

17,961

202.86

+4,151

3.5%

15,333

201.79

+5,612

3.0%

12,557

202.37

+12,537

2.5%

12,474

203.16

+11,534

2.5%

12,430

201.99

+11,640

2.5%

12,272

205.07

+11,142

2.4%

100

9,665

202.34

+9,635

1.9%

9,560

201.90

+5,210

1.9%

9,475

201.34

+5,993

1.9%

Sell Side

Total: 304,744

Broker

QTY

AVG

NET

59,852

203.42

-55,468

11.8%

46,982

202.66

-32,843

9.3%

23,268

202.12

-19,398

4.6%

21,955

202.88

-14,141

4.3%

19,399

202.88

-19,288

3.8%

18,006

203.21

-8,225

3.6%

16,569

202.02

-10,555

3.3%

16,452

200.93

-11,021

3.3%

15,212

202.74

-537

3.0%

14,600

203.70

-8,973

2.9%

13,202

202.73

-5,085

2.6%

12,899

202.31

-572

2.5%

9,390

203.02

-5,120

1.9%

9,237

201.63

-1,637

1.8%

7,721

205.17

-3,524

1.5%

Financial Fundamentals

Financial Metric	FY25/26 Q4	FY24/25 Q4	FY23/24 Q4	FY22/23 Q4	Growth %
Assets
Cash & Liquidity
Cash & Cash Equivalent	9,409,531	9,705,883	8,097,765	0	-3.05%
Money at Call & Short Notice	88,333,261	55,313,055	46,188,698	0	+59.70%
Due from NRB	62,917,012	36,929,167	35,686,947	0	+70.37%
Placement with B/FIs	25,416,249	18,383,888	10,501,751	0	+38.25%
Loans & Advances
Loans and Advances	239,430,532	243,264,178	242,817,760	0	-1.58%
Breakdown
Loans & Advances to B/FIs	11,650,631	10,405,890	10,098,881	0	+11.96%
Loans & Advances to Customers	227,779,901	232,858,288	232,718,879	0	-2.18%
Investments
Investment Securities	54,409,902	40,506,834	42,143,259	0	+34.32%
Investment in Subsidiaries	1,060,063	1,060,063	1,060,063	0	0.00%
Investment in Associates	35,509	190,929	190,929	0	-81.40%
Investment Property	6,489,239	5,664,754	2,414,932	0	+14.55%
Other Assets
Derivative Financial Instruments	14,348	40,321	26,241	0	-64.42%
Other Trading Assets	0.00	0.00	0.00	0	-
Current Tax Assets	457,016	332,060	388,740	0	+37.63%
Deferred Tax Assets	4,207,945	2,849,660	866,530	0	+47.66%
Goodwill and Intangible Assets	1,060,816	968,352	983,142	0	+9.55%
Property & Equipment	7,884,145	8,196,319	8,170,597	0	-3.81%
Other Assets	10,943,094	9,045,299	6,418,036	0	+20.98%
Total Assets	417,995,277	372,947,316	357,502,038	0	+12.08%
Liabilities
Borrowings & Funding
Borrowings	13,422,134	12,288,612	12,209,923	0	+9.22%
Borrowing	0.00	0.00	0.00	0	-
Debt Securities Issued	8,312,753	8,387,698	8,384,144	0	-0.89%
Subordinated Liabilities	0.00	0.00	0.00	0	-
Interbank & NRB
Due to B/FIs	5,109,381	3,900,914	3,825,780	0	+30.98%
Due to NRB	0.00	0.00	0.00	0	-
Deposits	351,577,090	309,158,672	293,899,590	0	+13.72%
Other Liabilities
Derivative Financial Instruments	14,348	40,321	26,241	0	-64.42%
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	12,759,814	13,524,594	13,067,660	0	-5.65%
Other Liabilities & Provisions	12,918,128	13,584,976	13,081,511	0	-4.91%
Total Liabilities	377,917,353	335,032,261	319,191,025	0	+12.80%
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	26,809,134	23,359,967	22,439,030	0	+14.77%
Reserves & Surpluses	17,496,261	16,258,439	16,654,398	0	+7.61%
Retained Earnings	-9,840,150	-7,101,527	-5,784,632	0	-38.56%
Non-Controlling Interest	0.00	0.00	0.00	0	-
Total Equity	40,077,924	37,915,055	38,311,013	0	+5.70%
Total Liabilities & Equity	417,995,277	372,947,316	357,502,038	0	+12.08%

Sector Peers — Banking (26)

Peer Comparison

Banking 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)	P/E (TTM)	P/S	ROA (Annualized)	ROA (TTM)%	ROE (Annualized)	ROE (TTM)%
ADBL	337.4	+1.51	+0.45%	0.05	0.05	197.11	66.78%	9.8	16.11	13.33	243.14	3.66	3.66	12.54	4.07%	1.57	19.18	23.56	2.91	0.67	0.67%	6.73	6.73%
BOKL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CCBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CZBIL	219	-0.99	-0.45%	0.04	0.06	160.51	75.72%	9.79	13.53	13.53	221.05	3.48	3.67	13.97	5.88%	1.23	14.55	15.74	2.03	0.81	0.81%	8.77	8.77%
EBL	712	-0.5	-0.07%	0.1	0.05	256.47	77.57%	9.9	36.95	36.95	461.76	3.05	3.71	25.22	0.49%	2.71	18.81	18.97	4.74	1.35	1.35%	15.08	15.08%
GBIME	266	+0.8	+0.3%	0.1	0.05	183.14	68.43%	10.76	16.34	16.34	259.48	3.29	3.54	15.45	4.96%	1.31	14.69	15.97	2.27	0.82	0.82%	9.05	9.05%
KBL	230	-0.99	-0.43%	0.06	0.06	170.8	77.14%	9.95	28.17	28.17	329.02	3.11	4.21	25.95	7.46%	1.23	7.45	8.06	1.94	1.58	1.58%	17.99	17.99%
LBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
LSL	274.9	+6.89	+2.57%	0.07	0.06	177.02	74.77%	9.8	11.64	11.64	215.32	3.22	3.66	11.8	5.23%	1.22	18.48	21.17	2.18	0.65	0.65%	6.71	6.71%
MBL	266	-4	-1.48%	0.03	0.06	156.01	78.45%	9.89	14.01	14.01	221.76	3.48	3.55	15.4	3.98%	1.59	17.7	18.62	2.73	0.89	0.89%	9.93	9.93%
MEGA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NABIL	549	-0.99	-0.18%	0.16	0.06	224.31	80.18%	9.22	24.66	24.66	352.79	3.18	3.56	20.82	4.2%	2.38	21.69	22.83	4.52	1.15	1.15%	11.65	11.65%
NBB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NBL	306	0	0%	0.04	0.05	287.7	62.85%	10.46	30.63	30.63	445.28	3.54	3.92	20.49	4.18%	0.91	8.54	9.68	1.75	1.01	1.01%	11.18	11.18%
NCCB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NICA	348	-2.1	-0.6%	0.05	0.06	172.32	61.07%	14.32	1.22	1.22	68.78	3.5	3.9	0.79	9.26%	1.89	266.48	269.18	2.13	0.04	0.04%	0.65	0.65%
NIMB	205.1	-2.7	-1.3%	0.07	0.05	197.71	68.17%	8.09	8.05	8.05	189.24	3.15	3.84	8.73	8.66%	0.96	23.6	24.32	2.06	0.46	0.46%	4.07	4.07%
NMB	273.6	-0.3	-0.11%	0.05	0.06	170.79	82.77%	9.44	18.01	18.01	263.07	3.43	3.6	19.07	4.91%	1.4	13.3	14.32	2.54	1.07	1.07%	11.36	11.36%
PCBL	271.4	+2.39	+0.89%	0.06	0.07	175.8	83.36%	8.12	19.63	19.63	278.65	3.66	3.88	19.02	6.69%	1.36	12.22	13.19	2.33	1.25	1.25%	11.65	11.65%
PRVU	187.6	+0.6	+0.32%	0.05	0.05	140.92	67.86%	11.42	-1.02	-1.02	-	3.28	4.18	-1.09	15.55%	1.35	-185.88	-185.39	2.03	-0.05	-0.05%	-0.67	-0.67%
SANIMA	400	0	0%	0.05	0.06	177.07	80.77%	9.55	22.78	22.78	301.26	3.39	3.42	21.38	1.02%	1.98	15.36	16.24	3.28	1.28	1.28%	14.05	14.05%
SBI	438	+4.08	+0.94%	0.05	0.06	194.73	71.16%	10.25	18.04	18.04	281.14	3.21	3.51	14.11	2.92%	2.02	21.78	22.53	3.08	0.84	0.84%	9.59	9.59%
SBL	436.5	+2.82	+0.65%	0.07	0.06	201.81	73.63%	9.56	19.24	19.24	295.57	3.69	3.73	16.71	1.06%	1.96	20.53	23.28	3.43	0.96	0.96%	10.36	10.36%
SCB	671.6	-0.4	-0.06%	0.07	0.04	225.77	47.24%	6.94	28.38	28.38	379.69	3.77	5.62	38.39	2.03%	2.95	23.47	23.15	9.01	1.7	1.7%	12.82	12.82%
SRBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	355.12	0.34	0.08%	0.07	0.056	192.78	72.11%	9.85	18.13	17.98	282.76	3.39	3.84	16.6	5.14%	1.668	19.55	20.857	3.053	0.92	0.92%	9.5	9.5%
MED	290.45	-0.15	-0.03%	0.06	0.06	180.11	74.2%	9.8	18.03	18.03	278.65	3.41	3.69	16.08	4.56%	1.485	18.09	18.795	2.435	0.93	0.93%	10.15	10.15%
MAX	712	6.89	2.57%	0.16	0.07	287.7	83.36%	14.32	36.95	36.95	461.76	3.77	5.62	38.39	15.55%	2.95	266.48	269.18	9.01	1.7	1.7%	17.99	17.99%
MIN	187.6	-4	-1.48%	0.03	0.04	140.92	47.24%	6.94	-1.02	-1.02	68.78	3.05	3.42	-1.09	0.49%	0.91	-185.88	-185.39	1.75	-0.05	-0.05%	-0.67	-0.67%