Kumari Bank Limited

BankingMid Cap

NPR 226.00

NPR +1+0.44%

09:14 AM NPT · Sep 24, 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

225.00

High

227.00

Low

222.20

Prev Close

225.00

Volume

369,479

Turnover

Rs 83,332,212.4

Txns

621

Valuation · Q4 FY25/26

EPS Ann.

28.17

EPS TTM

28.17

BVPS

170.80

P/E Ann.

8.02

P/E TTM

8.02

Graham #

329.02

Capital

Mkt Cap

59.27 Arab

Total

26.23 Crore

Public

12.85 Crore

Promoter

13.38 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Sell

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

72.19

ADX

29.62

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

216.81

SMA 50

217.48

Bands & Channels

BB Width %

10.4%

Volume & Flow

OBV

15,033,383

Flow Analysis

[ Live 2026-09-24 ]

Total Buy

3,140,366

Shares Bought

Total Sell

3,140,366

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 57%

Distribution 43%

Accumulators

Quantity

1,600,222

Amount

362,699,130

Avg Rate

226.66

Rank

Brokers

#65#33

Distributors

Quantity

1,189,990

Amount

269,739,672

Avg Rate

226.67

Rank

Brokers

#58#35#57#42#47#45#80#49

Net Flow Impact:

+410,232units

(Rs. 92,959,459)

Net Flow by Timeframe

KBL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 3,922,873 ]

Buy Side

Total: 2,255,413

Broker

QTY

AVG

NET

914,951

226.14

+844,583

29.1%

685,271

227.34

+657,337

21.8%

132,301

224.36

+129,201

4.2%

92,900

226.72

+85,265

3.0%

83,286

226.74

+69,105

2.6%

62,495

226.12

+26,031

2.0%

57,788

227.40

+52,600

1.8%

54,514

227.64

+33,397

1.7%

48,263

228.88

+3,731

1.5%

36,970

224.90

+10,837

1.2%

28,295

226.79

+1,407

0.9%

101

25,500

228.80

+3,050

0.8%

20,909

228.06

+19,869

0.7%

7,700

226.46

+5,500

0.3%

4,270

230.11

+1,770

0.1%

Sell Side

Total: 1,667,460

Broker

QTY

AVG

NET

309,414

226.80

-159,408

9.8%

216,948

226.50

-102,714

6.9%

136,053

226.36

-108,243

4.3%

130,871

226.28

-62,284

4.2%

119,228

227.35

-109,519

3.8%

111,083

226.76

-84,681

3.5%

101,531

226.44

-88,206

3.2%

80,604

227.41

-51,986

2.6%

76,978

226.98

-43,910

2.5%

74,715

223.03

-55,791

2.4%

64,862

227.07

-64,733

2.1%

64,167

226.76

-31,696

2.0%

61,878

225.71

-51,308

2.0%

59,651

226.75

-40,303

1.9%

59,477

226.66

-45,303

1.9%

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	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	0.29	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	43.16	15.97	2.27	0.82	0.82%	9.05	9.05%
HBL	195.5	-1.5	-0.76%	0.04	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	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	0.5	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	20.77	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	18.36	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	0.8	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	2.48	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	340.62	1.18	0.42%	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	275.25	0.9	0.32%	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	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	43.16	269.18	9.01	1.7	1.7%	15.08	15.08%
MIN	187.3	-2.81	-0.76%	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%