Kumari Bank Limited

BankingMid Cap

NPR 230.00

NPR -1-0.43%

09:14 AM NPT · Nov 6, 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

231.00

High

232.90

Low

228.00

Prev Close

231.00

Volume

212,487

Turnover

Rs 48,876,044.2

Txns

Valuation · Q4 FY25/26

EPS Ann.

28.17

EPS TTM

28.17

BVPS

170.80

P/E Ann.

8.16

P/E TTM

8.16

Graham #

329.02

Capital

Mkt Cap

62.52 Arab

Total

27.18 Crore

Public

13.32 Crore

Promoter

13.86 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Neutral

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Very Strong

Momentum

RSI (14)

48.51

ADX

62.83

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

234.23

SMA 50

223.13

Bands & Channels

BB Width %

9.8%

Volume & Flow

OBV

19,104,168

Flow Analysis

[ Live 2026-11-06 ]

Total Buy

3,057,706

Shares Bought

Total Sell

3,057,706

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 54%

Distribution 46%

Accumulators

Quantity

1,254,864

Amount

294,376,542

Avg Rate

234.59

Rank

Brokers

#58#94#56#52#14

Distributors

Quantity

1,081,281

Amount

252,921,428

Avg Rate

233.91

Rank

Brokers

#34#75#65#96

Net Flow Impact:

+173,583units

(Rs. 41,455,114)

Net Flow by Timeframe

KBL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 3,644,818 ]

Buy Side

Total: 1,827,913

Broker

QTY

AVG

NET

796,541

234.41

+411,733

26.1%

133,614

233.32

+109,844

4.4%

116,490

237.54

+96,690

3.8%

110,029

235.40

+95,940

3.6%

98,190

233.37

+64,851

3.2%

94,751

233.58

+54,471

3.1%

82,770

232.85

+33,656

2.7%

74,326

233.67

+60,667

2.4%

53,180

235.71

+21,451

1.7%

48,884

234.68

+47,664

1.6%

44,980

231.98

+27,589

1.5%

44,588

234.40

+28,523

1.5%

43,970

233.21

+25,319

1.4%

42,908

232.68

+17,195

1.4%

42,692

233.53

+21,833

1.4%

Sell Side

Total: 1,816,905

Broker

QTY

AVG

NET

638,783

234.02

-594,698

20.9%

202,125

233.98

-142,871

6.6%

157,464

234.23

-143,594

5.2%

115,301

232.68

-41,994

3.8%

82,909

232.30

-77,404

2.7%

74,226

233.60

-50,395

2.4%

71,396

233.13

-35,545

2.3%

67,073

233.99

-20,797

2.2%

66,512

233.12

-61,306

2.2%

64,740

233.74

-3,543

2.1%

60,846

232.78

-1,776

2.0%

58,004

229.86

-58,004

1.9%

57,754

235.02

-10,114

1.9%

57,550

236.15

-42,164

1.9%

42,222

236.74

-3,719

1.4%

Financial Fundamentals

Financial Metric	FY25/26 Q4	FY24/25 Q4	FY23/24 Q4	FY22/23 Q4	Growth %
Assets
Cash & Liquidity
Cash & Cash Equivalent	15,242,540	19,768,453	19,789,939	0	-22.89%
Money at Call & Short Notice	55,750,639	50,292,488	29,384,226	0	+10.85%
Due from NRB	23,605,803	21,322,921	28,158,091	0	+10.71%
Placement with B/FIs	32,144,836	28,969,567	1,226,135	0	+10.96%
Loans & Advances
Loans and Advances	284,902,931	275,089,177	283,946,515	0	+3.57%
Breakdown
Loans & Advances to B/FIs	13,980,679	14,140,779	10,745,447	0	-1.13%
Loans & Advances to Customers	270,922,252	260,948,398	273,201,069	0	+3.82%
Investments
Investment Securities	114,417,301	80,213,706	64,827,729	0	+42.64%
Investment in Subsidiaries	600,000	600,000	600,000	0	0.00%
Investment in Associates	42,995	985,018	1,185,018	0	-95.64%
Investment Property	2,257,536	2,538,825	1,913,184	0	-11.08%
Other Assets
Derivative Financial Instruments	4,192,861	1,176,105	346,540	0	+256.50%
Other Trading Assets	0.00	0.00	0.00	0	-
Current Tax Assets	909,443	1,348,290	1,926,600	0	-32.55%
Deferred Tax Assets	978,290	30,206	135,598	0	+3138.68%
Goodwill and Intangible Assets	191,522	184,392	219,588	0	+3.87%
Property & Equipment	2,451,390	2,058,756	2,294,092	0	+19.07%
Other Assets	14,669,379	10,950,226	8,681,049	0	+33.96%
Total Assets	490,334,711	442,496,649	412,621,752	0	+10.81%
Liabilities
Borrowings & Funding
Borrowings	29,714,569	30,343,766	33,775,319	0	-2.07%
Borrowing	0.00	1380591.73	1339985.48	0	-100.00%
Debt Securities Issued	13,984,141	13,982,370	13,988,424	0	+0.01%
Subordinated Liabilities	0.00	0.00	0.00	0	-
Interbank & NRB
Due to B/FIs	14,200,428	11,085,043	14,717,409	0	+28.10%
Due to NRB	1,530,000	3,895,761	3,729,500	0	-60.73%
Deposits	402,736,208	364,639,162	333,111,322	0	+10.45%
Other Liabilities
Derivative Financial Instruments	4,192,861	1,176,105	346,540	0	+256.50%
Provisions	4,646	3,100	3,000	0	+49.88%
Current Tax Liabilities	0.00	0.00	0.00	0	-
Deferred Tax Liabilities	0.00	0.00	0.00	0	-
Other Liabilities	8,884,281	9,044,418	8,280,831	0	-1.77%
Other Liabilities & Provisions	13,089,863	10,223,955	8,643,872	0	+28.03%
Total Liabilities	445,540,640	405,206,882	375,530,513	0	+9.95%
Shareholders Equity
Paid Up Capital	26,225,861	26,225,861	26,225,861	0	0.00%
Share Premium	0.00	0.00	0.00	0	-
Reserves & Surpluses
Reserves	17,776,548	13,857,926	14,664,376	0	+28.28%
Reserves & Surpluses	18,568,210	11,063,905	10,875,377	0	+67.83%
Retained Earnings	791,662	-2,794,021	-3,788,998	0	+128.33%
Non-Controlling Interest	0.00	0.00	0.00	0	-
Total Equity	44,794,071	37,289,767	37,101,239	0	+20.12%
Total Liabilities & Equity	490,334,711	442,496,649	412,631,752	0	+10.81%

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)	PEG	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	0.29	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	43.16	15.97	2.27	0.82	0.82%	9.05	9.05%
HBL	200.9	-0.91	-0.45%	0.05	0.06	177.48	72.74%	9.43	6.56	6.56	161.85	2.83	3.67	6.5	7.96%	1.1	29.65	-	30.18	1.93	0.37	0.37%	3.79	3.79%
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	0.5	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	20.77	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	18.36	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	0.8	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	2.48	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	353.5	0.34	0.08%	0.06	0.056	193.15	71.86%	9.82	16.93	16.78	272.93	3.38	3.81	15.52	5.17%	1.661	20.79	12.337	22.086	3.053	0.85	0.85%	8.71	8.71%
MED	290.45	-0.15	-0.03%	0.05	0.06	180.31	73.19%	9.8	17.18	17.18	263.07	3.41	3.67	15.43	4.56%	1.485	18.65	2.48	20.07	2.435	0.87	0.87%	9.76	9.76%
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	43.16	269.18	9.01	1.7	1.7%	15.08	15.08%
MIN	187.6	-4	-1.48%	0.03	0.04	140.92	47.24%	6.94	-1.02	-1.02	68.78	2.83	3.42	-1.09	0.49%	0.91	-185.88	0.29	-185.39	1.75	-0.05	-0.05%	-0.67	-0.67%