Kamana Sewa Bikas Bank Limited

Development BankMid Cap

NPR 440.80

NPR -0.3-0.07%

09:14 AM NPT · Sep 11, 2026

Est. August 4, 2017 · Gyaneshwor, Kathmandu, 44600, Nepal · CEO: Dinesh Thakali

Kamana Sewa Bikas Bank Limited (KSBBL) is one of Nepal’s leading national-level development banks, operating with a strong commitment to financial inclusion, digital transformation, and customer-centric banking. Established through the merger of multiple regional development banks, KSBBL has rapidly expanded its footprint across the country and is recognized today as one of the most innovative and service-oriented institutions in the development banking sector. The bank operates under the regulatory framework of Nepal Rastra Bank and serves diverse customer segments ranging from individuals and small businesses to large corporate clients. With an extensive network of branches and ATMs nationwide, Kamana Sewa Bikas Bank has positioned itself as a reliable partner for savings, credit, remittances, investment services, and digital banking. KSBBL is widely known for promoting modern banking practices, including mobile banking, digital payments, online account services, and technology-driven financial solutions aimed at enhancing accessibility in both urban and rural markets. Its product portfolio spans retail loans, microfinance lending, home and business loans, term deposits, savings products, SME financing, and agricultural credit programs that support grassroots economic development. The bank operates with a vision of “Innovation, Inclusion & Impact,” aligning its mission with national goals of financial access and economic upliftment. With a robust capital base, highly trained workforce, and a customer-first approach, Kamana Sewa Bikas Bank Limited continues to strengthen Nepal’s banking ecosystem by fostering trust, efficiency, and sustainable financial growth.

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Trading

Open

441.00

High

445.00

Low

435.20

Prev Close

441.10

Volume

22,088

Turnover

Rs 9,694,067.6

Txns

Valuation · Q4 FY25/26

EPS Ann.

21.23

EPS TTM

21.23

BVPS

165.11

P/E Ann.

20.76

P/E TTM

20.76

Graham #

280.84

Capital

Mkt Cap

17.02 Arab

Total

3.86 Crore

Public

1.89 Crore

Promoter

1.97 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Strong Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

19.49

ADX

27.43

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

468.71

SMA 50

473.92

Bands & Channels

BB Width %

10.96%

Volume & Flow

OBV

4,949,793

Flow Analysis

[ Live 2026-09-11 ]

Total Buy

95,450

Shares Bought

Total Sell

95,450

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 46%

Distribution 54%

Accumulators

Quantity

26,544

Amount

11,839,944

Avg Rate

446.05

Rank

Brokers

#47#100#94#53

Distributors

Quantity

31,649

Amount

14,135,911

Avg Rate

446.65

Rank

Brokers

#6#35#45#49

Net Flow Impact:

-5,105units

(Rs. -2,295,968)

Net Flow by Timeframe

KSBBL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 124,429 ]

Buy Side

Total: 63,283

Broker

QTY

AVG

NET

10,040

449.12

+9,872

10.5%

100

6,715

448.24

+6,715

7.0%

5,446

440.85

+4,946

5.7%

5,006

441.57

+956

5.2%

4,359

444.39

+2,059

4.6%

4,343

442.10

+3,891

4.5%

3,996

447.44

+2,996

4.2%

3,707

449.68

+3,697

3.9%

3,300

447.98

+3,237

3.5%

3,200

442.78

+2,570

3.4%

3,130

449.52

+841

3.3%

2,950

445.11

+127

3.1%

2,911

446.82

+2,049

3.0%

2,463

446.24

+514

2.6%

1,717

451.66

+1,418

1.8%

Sell Side

Total: 61,146

Broker

QTY

AVG

NET

16,168

446.93

-14,997

16.9%

7,028

448.50

-1,248

7.4%

6,320

448.08

-4,475

6.6%

4,795

446.88

-4,675

5.0%

4,366

443.28

-3,114

4.6%

3,676

444.79

-2,226

3.9%

3,000

440.00

-1,916

3.1%

2,897

441.63

-782

3.0%

2,000

443.50

-1,350

2.1%

2,000

440.25

-2,000

2.1%

1,964

444.48

-1,064

2.1%

1,939

446.00

-1,809

2.0%

1,674

449.55

-1,558

1.8%

1,669

440.58

-1,653

1.8%

1,650

437.41

-1,650

1.7%

Financial Fundamentals

Financial Metric	FY25/26 Q4	FY24/25 Q4	FY23/24 Q4	FY22/23 Q4	Growth %
Assets
Cash & Liquidity
Cash & Cash Equivalent	1,492,915	1,786,621	1,774,387	0	-16.44%
Money at Call & Short Notice	2,644,110	2,724,031	2,396,952	0	-2.93%
Due from NRB	2,644,110	2,724,031	2,396,952	0	-2.93%
Placement with B/FIs	0.00	0.00	0.00	0	-
Loans & Advances
Loans and Advances	55,794,633	52,556,362	49,110,858	0	+6.16%
Loans & Advances to B/FIs	1,584,462	2,589,078	3,116,502	0	-38.80%
Loans & Advances to Customers	54,210,171	49,967,284	45,994,357	0	+8.49%
Investments
Investment Securities	13,743,674	12,290,528	11,696,214	0	+11.82%
Investment in Subsidiaries	0.00	0.00	0.00	0	-
Investment in Associates	0.00	0.00	0.00	0	-
Investment Property	364,060	354,180	352,140	0	+2.79%
Other Assets
Derivative Financial Instruments	0.00	0.00	0.00	0	-
Other Trading Assets	0.00	0.00	0.00	0	-
Current Tax Assets	0.00	8131.69	0.00	0	-100.00%
Deferred Tax Assets	39,710	31,795	56,920	0	+24.89%
Goodwill and Intangible Assets	12,318	12,156	12,515	0	+1.34%
Property & Equipment	826,327	937,738	998,079	0	-11.88%
Other Assets	770,696	753,516	907,568	0	+2.28%
Total Assets	75,636,414	71,402,977	67,236,199	0	+5.93%
Liabilities
Borrowings & Funding
Borrowings	1,564,651	1,664,548	1,622,921	0	-6.00%
Borrowing	0.00	0.00	0.00	0	-
Debt Securities Issued	998,544	997,109	996,231	0	+0.14%
Subordinated Liabilities	0.00	0.00	0.00	0	-
Interbank & NRB
Due to B/FIs	566,107	667,439	626,691	0	-15.18%
Due to NRB	0.00	0.00	0.00	0	-
Deposits	66,177,525	62,834,301	59,066,712	0	+5.32%
Other Liabilities
Provisions	28,206	27,469	12,468	0	+2.69%
Current Tax Liabilities	7,493	0	12,309	0	-
Deferred Tax Liabilities	0.00	0.00	0.00	0	-
Other Liabilities	904,189	973,943	1,125,012	0	-7.16%
Other Liabilities & Provisions	939,888	1,001,411	1,149,789	0	-6.14%
Total Liabilities	68,682,063	65,500,261	61,839,422	0	+4.86%
Equity
Paid Up Capital	4,211,931	3,510,846	3,281,165	0	+19.97%
Share Premium	0.00	0.00	0.00	0	-
Reserves & Surpluses
Reserves	2,141,310	1,784,468	1,757,732	0	+20.00%
Reserves & Surpluses	2,742,420	2,391,870	2,115,612	0	+14.66%
Retained Earnings	601,110	607,402	357,880	0	-1.04%
Non-Controlling Interest	0.00	0.00	0.00	0	-
Total Equity	6,954,351	5,902,716	5,396,777	0	+17.82%
Total Liabilities & Equity	75,636,414	71,402,977	67,236,199	0	+5.93%

Sector Peers — Development Bank (19)

Peer Comparison

Development Bank 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)%
CORBL	817	+3.01	+0.37%	0	0.07	139.73	58.14%	3.55	9.54	9.54	173.19	4.57	5.24	24.24	6.24%	11.43	167.35	0.25	101.89	40.55	1.61	1.61%	6.91	6.91%
EDBL	566.9	+1.92	+0.34%	0.01	0.06	177.85	73.5%	8.6	24.76	24.76	314.77	4.55	4.84	25.48	4.57%	3.16	22.67	0.04	23.3	5.78	1.52	1.52%	14.34	14.34%
GBBL	443	+2.38	+0.54%	0.03	0.07	177.26	86.14%	9.59	28.04	28.04	334.41	4.04	4.67	22.5	4.76%	2.28	14.4	0.7	15.04	3.24	1.55	1.55%	16.88	16.88%
GBLBSP	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GRDBL	926.1	-4.93	-0.53%	0.01	0.07	122.83	84.95%	8.58	11.76	11.76	180.28	4.57	4.61	14.23	3.22%	8.46	88.34	-	82.48	12.58	1	1%	9.97	9.97%
JBBL	334.5	+5.91	+1.8%	0.01	0.07	170.97	81.07%	9.37	22.88	22.88	296.67	4.15	4.51	19.58	6.55%	1.98	14.82	-	14.59	2.9	1.34	1.34%	14.31	14.31%
KRBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-82.82	-	-	-	-	-
LBBL	479	+3.99	+0.84%	0.02	0.07	213.73	86.63%	7.77	23.48	23.48	336.03	3.76	4.15	18.5	6.94%	2.26	20.59	0.16	20.23	3.81	1.25	1.25%	11.55	11.55%
MDB	551	+0.99	+0.18%	0.01	0.07	143.2	81.39%	5.15	11.6	11.6	193.33	4.37	4.26	20.94	0.26%	4.06	50.17	5.88	48.88	10.51	1.48	1.48%	8.16	8.16%
MLBL	354.9	+5.42	+1.55%	0.02	0.07	165.42	86.82%	7.72	13.96	13.96	227.94	4.19	4.65	14.52	6.32%	2.09	24.79	1.36	25.07	3.6	0.96	0.96%	8.63	8.63%
MNBBL	332.3	+6.71	+2.06%	0.03	0.07	161.82	83.86%	9.9	18.98	18.98	262.88	4.55	4.68	15.65	4.77%	2.24	19.12	-	19.02	2.99	1.09	1.09%	12.18	12.18%
MTBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NABBC	700	+2.02	+0.29%	0	0.03	29.47	49.34%	4	-10.25	-10.25	-	3.76	-1.82	-235.15	48.49%	26.98	-77.56	-	-76.77	182.34	-7.94	-7.94%	-47.61	-47.61%
SABBL	899.6	+10.58	+1.19%	0	0.07	103.52	63.31%	3.04	1.46	1.46	58.31	4.58	5.49	5.45	1.4%	8.07	571.92	-	619.18	31.26	0.38	0.38%	1.67	1.67%
SADBL	411	+3.1	+0.76%	0.02	0.07	169.5	83.37%	9.43	23.83	23.83	301.47	4.14	5.14	18.63	6.87%	2.38	16.95	0.3	17.12	3.16	1.37	1.37%	14.95	14.95%
SAPDBL	635	+5.48	+0.87%	0.01	0.06	86.71	67.63%	12.98	18.04	18.04	187.6	4.2	4.02	27.26	2.15%	8.42	40.47	0.4	38.75	11.04	1.62	1.62%	23.84	23.84%
SHBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SHINE	422	+5	+1.2%	0.02	0.07	159.48	84.18%	9.95	23.52	23.52	290.51	4.01	4.41	19.65	4.93%	2.6	17.64	0.26	17.39	3.47	1.4	1.4%	15.34	15.34%
SINDU	394	+34.31	+9.54%	0	0.06	96.87	66.92%	10.36	0.18	0.18	19.81	4.59	4.08	0.25	5.92%	6.92	3,722.22	-	3,555.56	9.54	0.01	0.01%	0.19	0.19%

AVG	551.09	5.73	1.4%	0.01	0.065	141.22	75.82%	8	14.79	14.79	226.94	4.27	4.2	0.78	7.56%	6.222	314.26	1.039	277.432	21.785	0.58	0.58%	7.42	7.42%
MED	479	3.99	0.84%	0.01	0.07	159.48	81.39%	8.6	18.04	18.04	245.41	4.2	4.61	18.63	4.93%	3.16	22.67	0.3	21.765	5.78	1.34	1.34%	11.55	11.55%
MAX	926.1	34.31	9.54%	0.03	0.07	213.73	86.82%	12.98	28.04	28.04	336.03	4.59	5.49	27.26	48.49%	26.98	3,722.22	5.88	3,555.56	182.34	1.62	1.62%	23.84	23.84%
MIN	332.3	-4.93	-0.53%	0	0.03	29.47	49.34%	3.04	-10.25	-10.25	19.81	3.76	-1.82	-235.15	0.26%	1.98	-77.56	0.04	-82.82	2.9	-7.94	-7.94%	-47.61	-47.61%