Himalayan Bank Limited

BankingLow Cap

NPR 192.70

NPR -0.3-0.16%

09:14 AM NPT · Jun 29, 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

193.00

High

193.00

Low

191.10

Prev Close

193.00

Volume

22,982

Turnover

Rs 4,408,864.2

Txns

Valuation · Q3 FY25/26

EPS Ann.

4.50

EPS TTM

7.86

BVPS

171.96

P/E Ann.

42.82

P/E TTM

24.52

Graham #

131.95

Capital

Mkt Cap

43.51 Arab

Total

22.58 Crore

Public

6.1 Crore

Promoter

16.48 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Sell

RSI

Strong Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Very Strong

Momentum

RSI (14)

16.13

ADX

65.14

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

197.3

SMA 50

201.56

Bands & Channels

BB Width %

5.42%

Volume & Flow

OBV

-1,260,988

Flow Analysis

[ Live 2026-06-29 ]

Total Buy

175,557

Shares Bought

Total Sell

175,557

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 59%

Distribution 41%

Accumulators

Quantity

51,015

Amount

9,888,942

Avg Rate

193.84

Rank

#19

Brokers

#4#33#45#17

Distributors

Quantity

35,003

Amount

6,764,883

Avg Rate

193.27

Rank

#19

Brokers

#81#20#37#66#94

Net Flow Impact:

+16,012units

(Rs. 3,124,059)

Net Flow by Timeframe

HBL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 202,388 ]

Buy Side

Total: 112,864

Broker

QTY

AVG

NET

24,225

194.39

+23,695

13.8%

11,476

193.12

+5,681

6.5%

11,158

192.79

+1,730

6.4%

9,333

193.69

+3,014

5.3%

8,434

193.35

+8,364

4.8%

8,149

193.23

+1,261

4.6%

6,880

193.75

+4,430

3.9%

5,070

193.55

+1,834

2.9%

4,836

193.07

+588

2.8%

4,559

193.10

+3,983

2.6%

4,321

192.85

+4,291

2.5%

3,895

193.75

+2,383

2.2%

3,872

196.38

+88

2.2%

3,441

192.91

+20

2.0%

3,215

192.82

+3,021

1.8%

Sell Side

Total: 89,524

Broker

QTY

AVG

NET

15,077

193.74

-3,833

8.6%

10,462

193.43

-10,452

6.0%

10,079

193.47

-10,069

5.7%

8,772

194.33

-192

5.0%

6,461

193.31

-3,191

3.7%

6,353

192.98

-6,353

3.6%

4,605

193.02

-3,394

2.6%

4,130

193.01

-3,905

2.4%

3,979

193.03

-3,959

2.3%

3,751

193.48

-2,501

2.1%

3,699

192.08

-2,553

2.1%

3,564

193.78

-2,164

2.0%

3,030

193.50

-3,030

1.7%

2,793

194.18

-1,968

1.6%

2,769

193.01

-1,589

1.6%

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	304.7	-0.31	-0.1%	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	196	-2	-1.01%	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	698	-2.03	-0.29%	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	239.3	+2.6	+1.1%	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	207	-1	-0.48%	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	222	+5.71	+2.64%	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	240.5	-2.5	-1.03%	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	524	-1	-0.19%	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	262.5	-0.5	-0.19%	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	328.3	-3.58	-1.08%	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	190	-1.8	-0.94%	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	237.9	0	0%	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	233.3	+0.3	+0.13%	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	189	-1.01	-0.53%	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	352	-0.32	-0.09%	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	390	-3.9	-0.99%	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	387.5	-0.5	-0.13%	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	641	-0.77	-0.12%	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	324.61	-0.7	-0.18%	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	251.5	-0.88	-0.19%	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	698	5.71	2.64%	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	189	-3.9	-1.08%	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%