Kumari Bank Limited

BankingMid Cap

NPR 215.00

NPR -1-0.46%

09:14 AM NPT · Aug 7, 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

218.00

High

218.00

Low

214.60

Prev Close

216.00

Volume

187,087

Turnover

Rs 40,297,743

Txns

Valuation · Q3 FY25/26

EPS Ann.

21.24

EPS TTM

22.91

BVPS

158.53

P/E Ann.

10.12

P/E TTM

9.38

Graham #

275.25

Capital

Mkt Cap

56.39 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 Buy

Trend Analysis

Direction

Uptrend

Strength

Moderate

Momentum

RSI (14)

42.47

ADX

21.58

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

219.03

SMA 50

214.57

Bands & Channels

BB Width %

10.37%

Volume & Flow

OBV

11,769,225

Flow Analysis

[ Live 2026-08-07 ]

Total Buy

1,489,691

Shares Bought

Total Sell

1,489,691

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 49%

Distribution 51%

Accumulators

Quantity

446,550

Amount

98,923,637

Avg Rate

221.53

Rank

Brokers

#91#29#48#62#26

Distributors

Quantity

470,676

Amount

103,844,602

Avg Rate

220.63

Rank

Brokers

#17#6#14#32

Net Flow Impact:

-24,126units

(Rs. -4,920,965)

Net Flow by Timeframe

KBL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 1,813,380 ]

Buy Side

Total: 754,330

Broker

QTY

AVG

NET

213,777

222.01

+213,287

14.3%

85,960

220.36

+82,452

5.8%

73,327

220.35

+43,567

4.9%

53,566

218.85

+23,416

3.6%

48,089

218.89

+1,085

3.2%

38,337

223.45

+33,118

2.6%

35,149

221.84

+32,716

2.4%

33,533

220.65

+20,290

2.3%

32,639

219.65

+13,113

2.2%

28,346

215.63

+14,211

1.9%

24,337

216.75

+20,390

1.6%

22,650

219.84

+11,715

1.5%

22,300

218.57

+14,750

1.5%

22,024

220.99

+21,658

1.5%

20,296

220.08

+7,229

1.4%

Sell Side

Total: 1,059,050

Broker

QTY

AVG

NET

229,394

218.17

-57,445

15.4%

150,683

223.17

-134,575

10.1%

114,663

221.71

-102,848

7.7%

105,038

216.86

-87,266

7.0%

100,292

219.53

-83,082

6.7%

95,319

221.88

-35,856

6.4%

58,891

221.06

-22,560

4.0%

41,591

219.49

-20,561

2.8%

30,225

219.19

-27,423

2.0%

30,193

220.71

-10,697

2.0%

25,803

219.76

-12,005

1.7%

22,545

220.09

-21,841

1.5%

20,070

219.38

-7,966

1.4%

19,536

221.97

-12,695

1.3%

14,807

220.92

-13,307

1.0%

Financial Fundamentals

Financial Metric	FY25/26 Q3	FY24/25 Q3	FY23/24 Q3	FY22/23 Q3	Growth %
Assets
Cash & Liquidity
Cash & Cash Equivalent	14,748,428	13,329,903	13,173,608	0	+10.64%
Money at Call & Short Notice	41,507,818	33,210,569	29,274,615	0	+24.98%
Due from NRB	21,473,544	21,951,994	18,674,486	0	-2.18%
Placement with B/FIs	20,034,274	11,258,574	10,600,129	0	+77.95%
Loans & Advances
Loans and Advances	287,162,350	278,239,230	285,014,165	0	+3.21%
Breakdown
Loans & Advances to B/FIs	13,949,787	13,812,885	10,481,850	0	+0.99%
Loans & Advances to Customers	273,212,563	264,426,346	274,532,315	0	+3.32%
Investments
Investment Securities	110,110,825	83,968,598	49,792,814	0	+31.13%
Investment in Subsidiaries	600,000	600,000	600,000	0	0.00%
Investment in Associates	42,995	1,165,018	1,185,018	0	-96.31%
Investment Property	2,511,127	2,546,318	1,908,254	0	-1.38%
Other Assets
Derivative Financial Instruments	3,906,734	1,938,581	86,041	0	+101.53%
Other Trading Assets	0.00	0.00	0.00	0	-
Current Tax Assets	615,412	2,101,982	1,609,716	0	-70.72%
Deferred Tax Assets	954,130	36,956	116,734	0	+2481.77%
Goodwill and Intangible Assets	167,254	192,390	225,089	0	-13.06%
Property & Equipment	2,472,153	2,118,539	2,360,102	0	+16.69%
Other Assets	15,151,137	12,067,175	10,128,567	0	+25.56%
Total Assets	474,306,834	427,245,350	393,437,142	0	+11.02%
Liabilities
Borrowings & Funding
Borrowings	33,314,173	31,323,633	32,922,522	0	+6.35%
Borrowing	0.00	1380191.80	4143272.95	0	-100.00%
Debt Securities Issued	13,983,524	13,981,887	13,987,500	0	+0.01%
Subordinated Liabilities	0.00	0.00	0.00	0	-
Interbank & NRB
Due to B/FIs	17,574,950	11,551,293	13,206,549	0	+52.15%
Due to NRB	1,755,700	4,410,261	1,585,200	0	-60.19%
Deposits	381,666,667	350,079,224	318,862,108	0	+9.02%
Other Liabilities
Derivative Financial Instruments	3,906,734	1,938,581	86,041	0	+101.53%
Provisions	0.00	3000.00	3000.00	0	-100.00%
Current Tax Liabilities	0.00	0.00	0.00	0	-
Deferred Tax Liabilities	0.00	0.00	0.00	0	-
Other Liabilities	13,799,041	8,743,841	5,692,076	0	+57.81%
Other Liabilities & Provisions	17,751,197	10,586,233	5,801,238	0	+67.68%
Total Liabilities	432,732,038	391,989,090	357,585,868	0	+10.39%
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	17,338,444	15,530,734	13,830,642	0	+11.64%
Reserves & Surpluses	15,348,935	9,030,399	9,625,412	0	+69.97%
Retained Earnings	-1,989,509	-6,500,335	-4,205,229	0	+69.39%
Non-Controlling Interest	0.00	0.00	0.00	0	-
Total Equity	41,574,796	35,256,260	35,851,274	0	+17.92%
Total Liabilities & Equity	474,306,834	427,245,350	393,437,142	0	+11.02%

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	307.9	-0.9	-0.29%	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	202	0	0%	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	723	-2.03	-0.28%	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	251	-1.31	-0.52%	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%
HBL	194.8	-0.1	-0.05%	0.04	0.06	171.96	75.01%	9.48	4.5	7.86	174.39	2.84	3.75	4.41	7.98%	1.62	46.33	0.97	25.57	3.63	0.25	0.45%	2.67	4.67%
LBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
LSL	220.2	-2.61	-1.17%	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	255	+2	+0.79%	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	556	+3.97	+0.72%	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	269.9	+0.89	+0.33%	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	326	-1.9	-0.58%	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	195	-0.9	-0.46%	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	243.1	-0.8	-0.33%	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	240	-0.1	-0.04%	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	191	-1.31	-0.68%	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	370	-3.7	-0.99%	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	405.9	-0.49	-0.12%	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	410	-0.99	-0.24%	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	648	-6.02	-0.92%	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	333.82	-0.9	-0.27%	0.06	0.058	188.68	74.13%	9.66	15.83	18.83	276.28	3.41	3.77	14.91	4.54%	2.327	37.75	4.614	35.624	5.576	0.84	1.02%	8.55	10.33%
MED	262.45	-0.9	-0.29%	0.05	0.06	176.81	76.03%	9.44	15.04	18.48	272.13	3.46	3.69	14.14	4.96%	2.08	20.03	1.07	17.215	4.415	0.81	1%	9.08	10.27%
MAX	723	3.97	0.79%	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%	13.87	14.97%
MIN	191	-6.02	-1.17%	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	10.97	0.43	10.3	3.36	0.04	0.03%	0.67	0.52%