Kamana Sewa Bikas Bank Limited

Development BankHigh Cap

NPR 481.00

NPR +3.7+0.78%

09:14 AM NPT · Nov 6, 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

465.00

High

483.50

Low

465.00

Prev Close

477.30

Volume

18,270

Turnover

Rs 8,779,431

Txns

Valuation · Q4 FY25/26

EPS Ann.

21.23

EPS TTM

21.23

BVPS

165.11

P/E Ann.

22.66

P/E TTM

22.66

Graham #

280.84

Capital

Mkt Cap

18.58 Arab

Total

3.86 Crore

Public

1.89 Crore

Promoter

1.97 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Sell

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Very Strong

Momentum

RSI (14)

61.51

ADX

52.62

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

466.19

SMA 50

459.36

Bands & Channels

BB Width %

10.78%

Volume & Flow

OBV

5,152,675

Flow Analysis

[ Live 2026-11-06 ]

Total Buy

164,533

Shares Bought

Total Sell

164,533

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 52%

Distribution 48%

Accumulators

Quantity

78,174

Amount

37,359,685

Avg Rate

477.90

Rank

Brokers

#96#75

Distributors

Quantity

72,604

Amount

34,797,307

Avg Rate

479.28

Rank

Brokers

#39#22#45#38#44#17

Net Flow Impact:

+5,570units

(Rs. 2,562,377)

Net Flow by Timeframe

KSBBL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 255,568 ]

Buy Side

Total: 141,511

Broker

QTY

AVG

NET

57,066

479.69

+46,965

34.7%

21,108

473.09

+21,108

12.8%

101

20,280

483.01

+20,040

12.3%

12,535

481.08

+12,331

7.6%

6,149

478.10

+6,149

3.7%

4,735

482.45

+3,589

2.9%

4,033

480.22

+2,067

2.5%

3,913

478.68

+3,891

2.4%

3,764

480.25

+1,845

2.3%

2,306

470.00

+2,296

1.4%

1,797

473.38

+809

1.1%

1,050

481.70

+1,050

0.6%

1,022

477.93

+1,022

0.6%

1,000

485.95

+650

0.6%

753

477.63

+753

0.5%

Sell Side

Total: 114,057

Broker

QTY

AVG

NET

20,316

481.80

-20,316

12.3%

13,258

477.97

-12,918

8.1%

12,763

479.12

-10,963

7.8%

9,301

478.48

-9,181

5.7%

8,952

483.05

-5,942

5.4%

8,014

472.00

-6,932

4.9%

6,336

483.01

-5,406

3.9%

6,218

473.42

-5,790

3.8%

6,016

473.84

-4,783

3.7%

5,215

478.08

-5,215

3.2%

5,011

478.76

-4,911

3.0%

3,585

480.38

-3,585

2.2%

3,126

482.16

-406

1.9%

3,086

480.34

-136

1.9%

2,860

481.57

-2,660

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	762	-1.99	-0.26%	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	0.21	86.37	40.55	1.61	1.61%	6.91	6.91%
EDBL	568.9	-1.08	-0.19%	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	23.58	5.78	1.52	1.52%	14.34	14.34%
GBBL	411.7	+0.7	+0.17%	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	0.75	16.23	3.24	1.55	1.55%	16.88	16.88%
GBLBSP	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GRDBL	934.9	+24.93	+2.74%	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	-	85.2	12.58	1	1%	9.97	9.97%
JBBL	354.5	+2.5	+0.71%	0.02	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	-	15.17	2.9	1.34	1.34%	14.31	14.31%
KRBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-82.82	-	-	-	-	-
LBBL	527	+5.01	+0.96%	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	0.17	21	3.81	1.25	1.25%	11.55	11.55%
MDB	570	+3.4	+0.6%	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	373	-1.8	-0.48%	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	1.42	26.11	3.6	0.96	0.96%	8.63	8.63%
MNBBL	344	+0.89	+0.26%	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	-	17.7	2.99	1.09	1.09%	12.18	12.18%
MTBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NABBC	663	+0.99	+0.15%	0	0.03	29.47	49.34%	4	-10.25	-10.25	-	3.76	-1.82	-235.15	48.49%	26.98	-77.56	-	-78.54	182.34	-7.94	-7.94%	-47.61	-47.61%
SABBL	795	-6.98	-0.87%	0	0.07	103.52	63.31%	3.04	1.46	1.46	58.31	4.58	5.49	5.45	0.35%	8.07	571.92	-	614.38	31.26	0.38	0.38%	1.67	1.67%
SADBL	393.9	+1.88	+0.48%	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	0.31	17.65	3.16	1.37	1.37%	14.95	14.95%
SAPDBL	564	+7.02	+1.26%	0	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	0.36	34.7	11.04	1.62	1.62%	23.84	23.84%
SHBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SHINE	408.3	-3.5	-0.85%	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	0.27	18.28	3.47	1.4	1.4%	15.34	15.34%
SINDU	406	+2.1	+0.52%	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	-	2,361.11	9.54	0.01	0.01%	0.19	0.19%

AVG	538.41	2.27	0.35%	0.01	0.065	141.22	75.82%	8	14.79	14.79	226.94	4.27	4.2	0.78	7.49%	6.222	314.26	1.046	201.563	21.785	0.58	0.58%	7.42	7.42%
MED	527	0.99	0.26%	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	0.31	22.29	5.78	1.34	1.34%	11.55	11.55%
MAX	934.9	24.93	2.74%	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	2,361.11	182.34	1.62	1.62%	23.84	23.84%
MIN	344	-6.98	-0.87%	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%