Himalayan Bank Limited

BankingLow Cap

NPR 195.50

NPR -1.5-0.76%

09:14 AM NPT · Sep 24, 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

195.00

High

196.90

Low

192.00

Prev Close

197.00

Volume

73,193

Turnover

Rs 14,262,676.6

Txns

514

Valuation · Q4 FY25/26

EPS Ann.

6.56

EPS TTM

6.56

BVPS

177.48

P/E Ann.

29.80

P/E TTM

29.80

Graham #

161.85

Capital

Mkt Cap

44.15 Arab

Total

22.58 Crore

Public

6.1 Crore

Promoter

16.48 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Sell

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Very Strong

Momentum

RSI (14)

65.7

ADX

46.27

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

190.94

SMA 50

194.54

Bands & Channels

BB Width %

9.18%

Volume & Flow

OBV

-1,303,591

Flow Analysis

[ Live 2026-09-24 ]

Total Buy

359,534

Shares Bought

Total Sell

359,534

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 57%

Distribution 43%

Accumulators

Quantity

144,897

Amount

28,618,267

Avg Rate

197.51

Rank

#15

Brokers

#58#45#51#59

Distributors

Quantity

108,103

Amount

21,283,630

Avg Rate

196.88

Rank

#16

Brokers

#91#44#38#25#11

Net Flow Impact:

+36,794units

(Rs. 7,334,637)

Net Flow by Timeframe

HBL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 419,134 ]

Buy Side

Total: 238,666

Broker

QTY

AVG

NET

71,999

197.45

+29,122

20.0%

38,788

197.99

+24,966

10.8%

20,630

197.47

+20,165

5.7%

17,487

197.22

+4,788

4.9%

15,447

197.60

+6,990

4.3%

13,480

196.50

+7,341

3.8%

11,887

198.04

+2,672

3.3%

8,910

198.32

+1,829

2.5%

7,842

199.11

+113

2.2%

6,645

195.97

+1,011

1.9%

5,500

197.60

+5,490

1.5%

5,402

198.40

+4,527

1.5%

5,329

195.10

+5,289

1.5%

4,700

197.45

+3,768

1.3%

4,620

198.61

+3,280

1.3%

Sell Side

Total: 180,468

Broker

QTY

AVG

NET

45,137

198.13

-43,239

12.6%

31,898

194.69

-29,942

8.9%

15,850

198.27

-10,864

4.4%

13,694

197.10

-4,009

3.8%

11,339

198.15

-2,644

3.1%

8,768

196.49

-8,109

2.4%

7,185

197.66

-1,436

2.0%

6,980

196.07

-150

1.9%

6,966

197.16

-3,823

1.9%

6,638

197.85

-3,036

1.9%

6,450

196.11

-4,607

1.8%

6,140

196.48

-3,820

1.7%

4,966

196.57

-3,514

1.4%

4,380

199.35

-3,830

1.2%

4,077

197.37

-1,609

1.1%

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	313	+1.99	+0.64%	0.04	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	213.4	+1.4	+0.66%	0.03	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	697.4	+0.63	+0.09%	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	243.8	+0.8	+0.33%	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	226	+0.99	+0.44%	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	250	+4.11	+1.67%	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	258.5	+0.49	+0.19%	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	569	+4.01	+0.71%	0.15	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	292	+0.5	+0.17%	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	316.3	-0.7	-0.22%	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	194.6	+2.1	+1.09%	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	257.1	+3.4	+1.34%	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	257	+4	+1.58%	0.05	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	187.3	+1.01	+0.54%	0.04	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	368	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	404.2	-2.81	-0.69%	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	456.8	-0.18	-0.04%	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	657.2	+2.03	+0.31%	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	342.31	1.32	0.49%	0.06	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	275.25	1	0.39%	0.05	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	697.4	4.11	1.67%	0.15	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	187.3	-2.81	-0.69%	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%