Kumari Bank Limited

BankingMid Cap

NPR 218.00

NPR 00.00%

07:06 AM NPT · May 15, 2026

Est. 2057-12-21 B.S. (April 03, 2001 A.D.) · Tangal, Kathmandu, Nepal · CEO: Ram Chandra Khanal

Kumari Bank Limited is one of Nepal’s well-established commercial banks. It began operations on Chaitra 21, 2057 B.S. (April 03, 2001 AD) as the country’s 15th commercial bank.Over the years, the bank has expanded steadily, combining traditional banking services with modern digital banking offerings, making it a competitive and comprehensive banking institution. Kumari Bank offers a wide array of banking products and services, including savings and deposit accounts, fixed deposits, personal and corporate loans, home loans, digital banking, debit/credit cards, internet & mobile banking, POS & ATM access, remittance services, lockers, and more.The bank has invested significantly in technology and digital infrastructure offering a mobile banking app, internet banking, and “omnichannel” banking services to ensure convenience and accessibility for customers across Nepal. To support reach and accessibility, KBL boasts a wide physical presence with hundreds of service touchpoints across Nepal, including many branches, ATMs, extension counters, POS terminals, and branchless-banking units, enabling the bank to serve clients in urban, semi-urban, and rural areas. The bank’s mission emphasizes delivering “modern, reliable, and customer-centric financial services,” while its vision focuses on financial inclusion, innovation, and maximizing shareholder value, alongside contributing to Nepal’s economic development. Over time, KBL has also grown through strategic expansion and acquisitions of smaller financial institutions, thereby increasing its paid-up capital, customer base, and institutional capacity. Overall, Kumari Bank stands as a modern, dynamic bank balancing legacy banking services with digital innovation and strives to offer comprehensive banking solutions to a broad customer base across Nepal.

www.kumaribank.com/facebook

Trading

Open

216.90

High

221.00

Low

216.10

Prev Close

218.00

Volume

97,893

Turnover

Rs 21,328,612.1

Txns

246

Valuation · Q2 FY25/26

EPS Ann.

20.74

EPS TTM

17.39

BVPS

151.16

P/E Ann.

10.51

P/E TTM

12.54

Graham #

265.59

Capital

Mkt Cap

57.17 Arab

Total

26.23 Crore

Public

12.85 Crore

Promoter

13.38 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Sell

RSI

Neutral

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Weak

Momentum

RSI (14)

42.39

ADX

18.59

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

220.86

SMA 50

224.89

Bands & Channels

BB Width %

7.76%

Volume & Flow

OBV

13,811,677

Flow Analysis

[ Live 2026-05-14 ]

Total Buy

926,931

Shares Bought

Total Sell

926,931

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 44%

Distribution 56%

Accumulators

Quantity

158,034

Amount

34,743,059

Avg Rate

219.85

Rank

Brokers

#3#40#32#8#66

Distributors

Quantity

204,301

Amount

44,952,429

Avg Rate

220.03

Rank

Brokers

#88#21#1#48#22

Net Flow Impact:

-46,267units

(Rs. -10,209,370)

Net Flow by Timeframe

KBL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 923,661 ]

Buy Side

Total: 483,602

Broker

QTY

AVG

NET

67,490

220.48

+3,417

7.3%

54,933

219.60

+15,633

5.9%

40,322

220.12

+14,736

4.3%

37,204

220.18

+27,397

4.0%

35,590

220.06

+32,337

3.8%

34,250

219.59

+31,094

3.7%

31,920

218.11

+27,230

3.4%

30,337

217.39

+5,837

3.3%

28,582

219.19

+1,117

3.1%

26,767

221.72

+17,780

2.9%

25,502

219.26

+12,574

2.8%

24,441

219.70

+4,335

2.6%

19,070

222.16

+18,996

2.1%

14,345

219.39

+8,108

1.6%

12,849

219.48

+3,800

1.4%

Sell Side

Total: 440,059

Broker

QTY

AVG

NET

75,277

219.97

-35,494

8.1%

54,045

220.39

-10,083

5.8%

37,196

221.77

-20,288

4.0%

37,004

217.40

-36,555

4.0%

36,247

219.24

-9,767

3.9%

35,131

220.61

-31,151

3.8%

28,402

220.12

-436

3.1%

22,177

217.80

-3,887

2.4%

19,693

220.89

-15,988

2.1%

17,293

220.52

-8,549

1.9%

17,232

218.38

-6,606

1.9%

17,174

219.19

-3,037

1.9%

15,000

218.81

-14,655

1.6%

14,188

220.55

-10,856

1.5%

14,000

220.51

-13,972

1.5%

Financial Fundamentals

Financial Metric	FY25/26 Q2	FY24/25 Q2	FY23/24 Q2	FY22/23 Q2	Growth %
Assets
Cash & Liquidity
Cash & Cash Equivalent	19,690,954,456	10,526,221,723	16,329,423,389	20,579,437,996	+87.07%
Money at Call & Short Notice	28,891,028,799	36,189,734,396	24,469,039,492	13,775,319,150	-20.17%
Due from NRB	21,820,858,709	23,198,446,753	12,959,649,416	11,012,266,600	-5.94%
Placement with B/FIs	7,070,170,090	12,991,287,643	11,509,390,076	2,763,052,550	-45.58%
Loans & Advances
Loans and Advances	279,757,846,617	288,046,944,154	284,889,227,925	285,230,842,128	-2.88%
Breakdown
Loans & Advances to B/FIs	13,806,307,206	12,952,721,671	9,450,517,607	9,469,486,575	+6.59%
Loans & Advances to Customers	265,951,539,411	275,094,222,483	275,438,710,318	275,761,355,553	-3.32%
Investments
Investment Securities	106,559,891,877	81,221,933,284	52,813,400,261	39,557,953,696	+31.20%
Investment in Subsidiaries	600,000,000	600,000,000	600,000,000	600,000,000	0.00%
Investment in Associates	960,017,596	1,165,017,596	1,185,017,596	155,017,596	-17.60%
Investment Property	2,490,493,958	2,667,380,959	1,550,013,226	1,135,157,165	-6.63%
Other Assets
Derivative Financial Instruments	2,591,085,195	2,713,045,388	773,317,245	0	-4.50%
Other Trading Assets	0.00	0.00	0.00	0.00	-
Current Tax Assets	124,800,069	3,258,680,318	1,136,244,968	399,790,480	-96.17%
Deferred Tax Assets	1,156,780,394	136,150,602	107,516,744	0	+749.63%
Goodwill and Intangible Assets	173,485,374	200,628,424	186,677,564	340,464,613	-13.53%
Property & Equipment	2,529,734,710	2,189,132,835	2,404,836,936	2,602,345,177	+15.56%
Other Assets	7,486,095,849	7,968,832,938	9,312,821,515	6,526,060,019	-6.06%
Total Assets	452,969,256,039	436,747,675,412	395,798,541,160	370,928,963,489	+3.71%
Liabilities
Borrowings & Funding
Borrowings	28,455,799,579	38,908,727,897	33,055,115,349	24,007,945,014	-26.87%
Borrowing	0.00	1385325253.00	4124059211.00	1314500214.00	-100.00%
Debt Securities Issued	13,983,375,925	13,981,755,330	13,987,500,412	8,995,797,489	+0.01%
Subordinated Liabilities	0.00	0.00	0.00	0.00	-
Interbank & NRB
Due to B/FIs	12,846,723,654	19,134,413,748	13,122,751,669	5,982,374,311	-32.86%
Due to NRB	1,625,700,000	4,407,233,566	1,820,804,057	7,715,273,000	-63.11%
Deposits	371,376,928,598	348,749,107,851	318,765,722,420	299,691,753,456	+6.49%
Other Liabilities
Derivative Financial Instruments	2,591,085,195	2,713,045,388	773,317,245	0	-4.50%
Provisions	0.00	3000000.00	3000000.00	0.00	-100.00%
Current Tax Liabilities	0.00	0.00	0.00	0.00	-
Deferred Tax Liabilities	0.00	0.00	0.00	140898549.00	-
Other Liabilities	10,901,460,595	11,359,079,646	7,319,139,135	8,491,492,004	-4.03%
Other Liabilities & Provisions	13,492,545,790	14,075,125,034	8,095,456,380	8,632,390,553	-4.14%
Total Liabilities	413,325,273,967	401,732,960,781	359,916,294,149	332,332,089,024	+2.89%
Shareholders Equity
Paid Up Capital	26,225,861,340	26,225,861,340	26,225,861,340	26,225,861,340	0.00%
Share Premium	0.00	0.00	0.00	88804041.00	-
Reserves & Surpluses
Reserves	16,405,307,460	15,266,549,045	13,428,220,505	12,057,767,747	+7.46%
Reserves & Surpluses	13,418,120,733	8,788,853,291	9,656,385,671	12,371,013,125	+52.67%
Retained Earnings	-2,987,186,727	-6,477,695,754	-3,771,834,834	224,441,337	+53.89%
Non-Controlling Interest	0.00	0.00	0.00	0.00	-
Total Equity	39,643,982,073	35,014,714,631	35,882,247,011	38,596,874,465	+13.22%
Total Liabilities & Equity	452,969,256,040	436,747,675,412	395,798,541,160	370,928,963,489	+3.71%

Sector Peers — Banking (26)

Peer Comparison

Banking SECTOR — NEPAL

2025/2026 Q2

NPR/Millions

Statement

Highlight

TICKER	Market				Key Ratios
	Price	Chg	Chg%	Mkt Cap (M)	Asset Turnover	BVPS	C/D Ratio%	EPS (Annu.)	EPS (TTM)	Graham's No.	Int. Rate Spread%	NIM%	NPL%	NPM%	P/B	P/E (Annu.)	PEG	P/E (Latest)	P/E (TTM)	P/S	ROA (Annu.)%	ROA (TTM)%	ROE (Annu.)%	ROE (TTM)%
ADBL	308	-0.99	-0.32%	-	0.06	190.14	64.33%	9.89	19.78	290.9	3.89%	4.08%	4.65%	6.76%	3.13	30.13	0	29.98	14.99	11.25	0.38%	1.09%	3.86%	10.65%
BOKL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CCBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CZBIL	205	+1.1	+0.54%	-	0.07	149.79	82.66%	4.63	6.39	146.75	3.69%	3.72%	6.86%	4.64%	2.62	42.33	0	40.63	29.44	7.87	0.3%	0.41%	3.14%	4.35%
EBL	705	+1.97	+0.28%	-	0.06	235.04	80.19%	30.86	36.15	437.24	3.24%	3.7%	0.68%	20.8%	5.62	21.42	0	21.57	18.41	17.82	1.22%	1.43%	13.76%	16.13%
GBIME	235.6	+0.61	+0.26%	-	0.06	175.29	71.55%	17.06	16.8	257.41	3.43%	3.56%	4.91%	16.19%	2.59	13.3	2.02	13.08	13.29	8.61	0.92%	0.92%	9.88%	9.74%
HBL	201.8	-1.89	-0.93%	-	0.06	174.23	74.89%	11.45	5.7	149.48	3.07%	3.82%	7.96%	10.94%	2.18	16.59	0	16.47	33.09	7.26	0.66%	0.33%	6.66%	3.32%
LBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
LSL	218.9	-0.99	-0.45%	-	0.06	166.23	77.44%	-2.04	10.01	193.49	3.54%	3.52%	5.5%	-2.13%	2.59	-105.39	0	-101.18	20.62	8.98	-0.12%	0.61%	-1.26%	6.19%
MBL	248.2	+0.2	+0.08%	-	0.06	161.63	77.99%	16.73	18.33	258.19	3.83%	3.66%	4.25%	14.75%	2.82	13.63	0.66	13.51	12.33	8.04	0.92%	1.01%	10.78%	11.82%
MEGA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NABIL	529	+2	+0.38%	-	0.06	214.49	78.12%	29.69	26.96	360.71	3.54%	3.58%	0.88%	24.78%	4.55	16.44	0.7	16.74	18.43	16.3	1.48%	1.34%	14.86%	13.5%
NBB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NBL	263.5	-0.5	-0.19%	-	0.05	262.43	67.48%	17.76	31.42	430.73	3.8%	3.72%	5.34%	12.57%	1.84	13.57	0.07	13.55	7.66	6.82	0.66%	1.17%	6.76%	11.98%
NCCB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NICA	352	+0.11	+0.03%	-	0.06	198.33	67.1%	1.76	0.95	65.11	3.85%	3.98%	7.47%	1.09%	3.41	192.05	0	183.52	340	8.38	0.06%	0.03%	0.88%	0.47%
NIMB	198	+0.3	+0.15%	-	0.06	194.77	69.63%	9.45	16.22	266.61	3.04%	3.72%	7.9%	9.99%	1.97	20.32	0	19.79	11.53	8.12	0.56%	0.97%	4.96%	8.54%
NMB	242.5	-1.49	-0.61%	-	0.06	169.36	85.09%	17.1	15.18	240.51	3.78%	3.8%	4.56%	15.47%	2.82	13.98	0	13.74	15.48	8.65	0.96%	0.85%	10.34%	9.18%
PCBL	238.4	+0.1	+0.04%	-	0.07	165.8	82.86%	19.5	20.03	273.35	3.79%	4.12%	6.38%	18.21%	2.89	12.3	10.41	11.87	11.56	8.96	1.32%	1.37%	12.32%	12.66%
PRVU	198.1	+0.1	+0.05%	-	0.06	146.17	70.91%	8.62	21.75	267.45	3.8%	4.24%	7.94%	8.65%	2.51	21.29	0	21.11	8.37	7.37	0.52%	1.31%	5.92%	14.95%
SANIMA	363.5	0	0%	-	0.07	172.39	79.42%	20.48	20.39	281.23	3.32%	3.56%	1.33%	16.43%	3.89	16.36	0.98	16.24	16.31	10.75	1.06%	1.07%	12.4%	12.36%
SBI	393.5	-2.49	-0.63%	-	0.06	193.1	68.68%	18.93	17.74	277.63	3.54%	3.44%	2.64%	14.18%	4.19	21.39	2.06	21.39	22.83	12.14	0.86%	0.8%	10.12%	9.5%
SBL	391.5	-1.49	-0.38%	-	0.06	211.23	79.05%	17.93	28.33	366.94	3.9%	3.68%	3.45%	12.71%	3.65	21.48	0.15	20.8	13.17	10.92	0.8%	1.27%	8.94%	14.15%
SCB	649	+2.01	+0.31%	-	0.05	210.97	59.77%	27.35	27.5	361.3	3.35%	4.72%	1.88%	36.84%	6	23.15	0	23.43	23.3	34.12	1.7%	1.72%	13.2%	13.28%
SRBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	330.08	-0.08	-0.08%	-	0.061	188.41	74.29%	15.4	18.87	273.61	3.58%	3.81%	4.7%	13.49%	3.293	22.463	0.947	22.013	35.045	11.242	0.79%	0.98%	8.2%	10.15%
MED	255.85	0.1	0.04%	-	0.06	182.71	76.16%	17.08	19.06	270.4	3.62%	3.72%	4.78%	13.45%	2.855	18.455	0	18.265	15.895	8.805	0.83%	1.04%	9.41%	11.24%
MAX	705	2.01	0.54%	-	0.07	262.43	85.09%	30.86	36.15	437.24	3.9%	4.72%	7.96%	36.84%	6	192.05	10.41	183.52	340	34.12	1.7%	1.72%	14.86%	16.13%
MIN	198	-2.49	-0.93%	-	0.05	146.17	59.77%	-2.04	0.95	65.11	3.04%	3.44%	0.68%	-2.13%	1.84	-105.39	0	-101.18	7.66	6.82	-0.12%	0.03%	-1.26%	0.47%