Kamana Sewa Bikas Bank Limited

Development BankHigh Cap

NPR 482.00

NPR +2+0.42%

09:14 AM NPT · May 13, 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

476.00

High

482.00

Low

470.30

Prev Close

480.00

Volume

21,671

Turnover

Rs 10,365,294.1

Txns

Valuation · Q2 FY25/26

EPS Ann.

20.43

EPS TTM

18.32

BVPS

158.07

P/E Ann.

23.59

P/E TTM

26.31

Graham #

269.56

Capital

Mkt Cap

18.61 Arab

Total

3.86 Crore

Public

1.89 Crore

Promoter

1.97 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Buy

RSI

Neutral

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

47.86

ADX

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

480.19

SMA 50

485.62

Bands & Channels

BB Width %

4.29%

Volume & Flow

OBV

4,869,107

Flow Analysis

[ Live 2026-05-13 ]

Total Buy

142,737

Shares Bought

Total Sell

142,737

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 39%

Distribution 61%

Accumulators

Quantity

44,885

Amount

21,502,178

Avg Rate

479.05

Rank

Brokers

#6#75#65#17

Distributors

Quantity

70,291

Amount

33,495,772

Avg Rate

476.53

Rank

Brokers

#49#43#42#57

Net Flow Impact:

-25,406units

(Rs. -11,993,594)

Net Flow by Timeframe

KSBBL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 201,027 ]

Buy Side

Total: 79,635

Broker

QTY

AVG

NET

15,445

480.40

+14,191

10.8%

12,318

476.59

+12,318

8.6%

9,144

478.02

+9,144

6.4%

7,978

481.41

+7,873

5.6%

6,778

480.59

+3,547

4.8%

6,180

484.08

+5,969

4.3%

5,210

478.28

+3,710

3.6%

2,820

479.32

+2,197

2.0%

2,500

467.10

+2,500

1.8%

2,086

482.24

+2,071

1.5%

2,000

466.00

+1,650

1.4%

1,908

462.00

+1,908

1.3%

1,863

479.08

+763

1.3%

1,800

480.41

+700

1.3%

1,605

481.00

+1,605

1.1%

Sell Side

Total: 121,392

Broker

QTY

AVG

NET

32,995

470.10

-18,752

23.1%

23,425

480.13

-1,403

16.4%

15,000

481.57

-14,496

10.5%

14,165

482.65

-13,302

9.9%

8,131

482.65

-6,651

5.7%

4,863

482.16

-3,827

3.4%

4,424

478.36

-4,244

3.1%

4,001

473.16

-4,001

2.8%

3,469

482.98

-3,319

2.4%

3,388

482.27

-1,538

2.4%

2,076

478.83

-213

1.4%

1,893

482.00

-1,577

1.3%

1,540

480.48

-1,340

1.1%

1,153

477.21

-1,058

0.8%

869

480.00

-819

0.6%

Financial Fundamentals

Financial Metric	FY25/26 Q2	FY24/25 Q2	FY23/24 Q2	FY22/23 Q2	Growth %
Assets
Cash & Liquidity
Cash & Cash Equivalent	1,949,105,555	1,834,386,303	1,922,469,089	3,991,093,794	+6.25%
Money at Call & Short Notice	3,085,982,311	2,512,812,803	2,061,282,877	2,136,543,749	+22.81%
Due from NRB	3,085,982,311	2,512,812,803	2,061,282,877	2,136,543,749	+22.81%
Placement with B/FIs	0.00	0.00	0.00	0.00	-
Loans & Advances
Loans and Advances	53,734,994,032	51,902,993,455	47,128,238,964	44,781,591,068	+3.53%
Loans & Advances to B/FIs	1,626,753,318	3,115,632,815	3,145,543,978	2,338,257,019	-47.79%
Loans & Advances to Customers	52,108,240,714	48,787,360,640	43,982,694,986	42,443,334,049	+6.81%
Investments
Investment Securities	11,404,875,127	10,918,163,077	12,353,558,207	6,201,625,856	+4.46%
Investment in Subsidiaries	0.00	0.00	0.00	0.00	-
Investment in Associates	0.00	0.00	0.00	0.00	-
Investment Property	314,522,941	308,901,238	326,644,024	294,816,213	+1.82%
Other Assets
Derivative Financial Instruments	0.00	0.00	0.00	0.00	-
Other Trading Assets	0.00	0.00	0.00	0.00	-
Current Tax Assets	0.00	8171716.00	3846942.00	330724189.00	-100.00%
Deferred Tax Assets	41,621,357	59,184,902	91,070,545	50,040,563	-29.68%
Goodwill and Intangible Assets	10,725,410	11,400,236	11,401,524	91,422,603	-5.92%
Property & Equipment	912,618,580	972,432,667	1,111,478,705	568,347,442	-6.15%
Other Assets	571,913,505	811,828,596	701,326,082	378,566,943	-29.55%
Total Assets	72,026,358,818	69,340,274,993	65,711,316,959	58,824,772,419	+3.87%
Liabilities
Borrowings & Funding
Borrowings	1,357,674,366	1,795,703,083	3,250,495,134	5,205,147,980	-24.39%
Borrowing	0.00	0.00	0.00	0.00	-
Debt Securities Issued	997,108,939	996,230,755	995,160,201	993,460,361	+0.09%
Subordinated Liabilities	0.00	0.00	0.00	0.00	-
Interbank & NRB
Due to B/FIs	360,565,427	799,472,328	2,255,334,933	3,561,687,619	-54.90%
Due to NRB	0.00	0.00	0.00	650000000.00	-
Deposits	63,624,322,919	61,056,976,507	56,296,442,378	47,986,292,108	+4.20%
Other Liabilities
Provisions	28,260,843	19,527,448	23,991,265	26,199,141	+44.72%
Current Tax Liabilities	9,573,804	0	0	0	-
Deferred Tax Liabilities	0.00	0.00	0.00	0.00	-
Other Liabilities	902,020,833	939,941,282	1,165,835,450	855,128,186	-4.03%
Other Liabilities & Provisions	939,855,480	959,468,730	1,189,826,715	881,327,327	-2.04%
Total Liabilities	65,921,852,765	63,812,148,320	60,736,764,227	54,072,767,415	+3.31%
Equity
Paid Up Capital	3,861,930,815	3,510,846,195	3,281,164,669	3,142,577,022	+10.00%
Share Premium	0.00	0.00	0.00	0.00	-
Reserves & Surpluses
Reserves	1,946,808,335	1,641,696,338	1,518,860,806	1,411,315,413	+18.59%
Reserves & Surpluses	2,242,575,239	2,017,280,478	1,693,388,064	1,609,427,981	+11.17%
Retained Earnings	295,766,904	375,584,140	174,527,258	198,112,568	-21.25%
Non-Controlling Interest	0.00	0.00	0.00	0.00	-
Total Equity	6,104,506,054	5,528,126,673	4,974,552,733	4,752,005,003	+10.43%
Total Liabilities & Equity	72,026,358,818	69,340,274,993	65,711,316,960	58,824,772,419	+3.87%

Sector Peers — Development Bank (19)

Peer Comparison

Development Bank SECTOR — NEPAL

2025/2026 Q2

NPR/Millions

Statement

Highlight

TICKER	Market				Key Ratios
	Price	Chg	Chg%	Mkt Cap (M)	Asset Turnover	BVPS	C/D Ratio%	EPS (Annu.)	EPS (TTM)	Graham's No.	Int. Rate Spread%	NIM%	NPL%	NPM%	P/B	P/E (Annu.)	PEG	P/E (Latest)	P/E (TTM)	P/S	ROA (Annu.)%	ROA (TTM)%	ROE (Annu.)%	ROE (TTM)%
CORBL	2,033	+30.83	+1.54%	0.01	0.07	135.79	70.07%	4.93	-2.7	-	4.56%	5.16%	9.79%	12.88%	22.83	314.4	15.9	326.57	-596.3	161.96	0.94%	-0.51%	3.46%	-1.89%
EDBL	580.8	+1.68	+0.29%	0.01	0.06	177.95	75.87%	14.17	17.6	265.46	4.57%	4.28%	7.07%	15.58%	6.73	42.27	0.21	41.64	33.52	26.36	0.94%	1.18%	8.42%	10.48%
GBBL	415.5	-2.51	-0.6%	0.03	0.08	159.59	85.15%	21.1	23.19	288.57	4.59%	4.9%	4.78%	16.52%	4.92	18.62	2.04	18.6	16.93	12.31	1.24%	1.36%	14%	15.39%
GBLBSP	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GRDBL	1,044	+1.98	+0.19%	0.01	0.07	112.86	83.15%	3.58	11.65	172	3.92%	4.2%	4.2%	4.36%	19.67	310.03	28.63	300.28	92.27	54.21	0.32%	1.06%	3.3%	10.76%
JBBL	357.9	-0.11	-0.03%	0.02	0.07	155.09	82.04%	14.16	1.67	76.34	3.84%	4.1%	7.82%	12.6%	4.29	23.5	0.96	23.45	198.8	11.85	0.84%	0.1%	9.3%	1.09%
KRBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-51.36	-82.82	-	-	-	-	-
LBBL	484.6	-0.29	-0.06%	0.02	0.07	190.2	85.98%	15.75	14.29	247.29	3.98%	3.98%	0%	12.08%	5.22	31.52	0.32	30.1	33.17	15.23	0.84%	0.77%	8.46%	7.68%
MDB	595	-4.98	-0.83%	0.01	0.07	135.98	84.37%	9.37	13.27	201.49	4.36%	4.06%	0.45%	17.57%	8.83	64.06	0.55	66.06	46.65	45.04	1.24%	1.78%	6.96%	9.88%
MLBL	366.8	-1.21	-0.33%	0.02	0.14	165.48	85.3%	14.24	7.13	162.93	4.37%	4.94%	6.1%	13.54%	4.45	25.84	7.66	25.57	51.07	13.99	1.92%	0.96%	17.18%	8.6%
MNBBL	374	-0.19	-0.05%	0.03	0.08	151.35	86.59%	16.8	21.33	269.51	4.59%	4.76%	3.75%	13.38%	4.61	20.79	1.21	21.37	16.83	11.13	1.02%	1.3%	11.66%	14.8%
MTBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NABBC	999	-19.04	-1.87%	0.01	0.03	28.9	65.88%	-19.16	-13.62	-	4.5%	-3.2%	57.48%	-473.75%	92.87	-70.04	0	-74.01	-104.11	1,328.71	-15.3%	-10.88%	-95.72%	-68.04%
SABBL	1,230	-29.99	-2.38%	0.01	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	-	-	-	-
SADBL	413.9	-0.08	-0.02%	0.02	0.07	153.24	83.55%	16.21	17.22	243.67	4.57%	4.72%	6.87%	12.94%	5.28	24.95	0.61	25.42	23.93	12.93	0.94%	1.01%	11.1%	11.8%
SAPDBL	781	-9.97	-1.26%	0.01	0.06	75.96	77%	6.43	15.98	165.26	3.84%	3.84%	8.29%	10.2%	21.84	129	0.67	126.59	50.94	52.65	0.6%	1.53%	8.4%	20.9%
SHBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SHINE	410.5	-0.99	-0.24%	0.02	0.07	146.6	84.77%	16.1	15.17	223.69	4.19%	4.22%	4.75%	13.73%	5.5	25.04	1.34	25.06	26.6	13.76	1%	0.95%	11.24%	10.6%
SINDU	706	-0.99	-0.14%	0	0.06	94.19	64.35%	-5.55	9.7	143.38	4.59%	3.36%	6.39%	-7.98%	15.19	-128.88	0	-131.71	75.36	41.16	-0.48%	0.85%	-6.6%	11.55%

AVG	719.47	-2.39	-0.39%	0.01	0.071	134.51	79.58%	9.15	10.85	204.97	4.32%	3.81%	9.12%	-23.31%	15.874	59.364	3.756	48.352	-7.323	128.664	-0.28%	0.1%	0.8%	4.54%
MED	580.8	-0.99	-0.14%	0.01	0.07	148.98	83.35%	14.17	13.78	212.59	4.44%	4.21%	6.24%	12.91%	6.115	25.44	0.64	25.24	29.885	20.795	0.94%	0.99%	8.44%	10.54%
MAX	2,033	30.83	1.54%	0.03	0.14	190.2	86.59%	21.1	23.19	288.57	4.59%	5.16%	57.48%	17.57%	92.87	314.4	28.63	326.57	198.8	1,328.71	1.92%	1.78%	17.18%	20.9%
MIN	357.9	-29.99	-2.38%	0	0.03	28.9	64.35%	-19.16	-13.62	76.34	3.84%	-3.2%	0%	-473.75%	4.29	-128.88	0	-131.71	-596.3	11.13	-15.3%	-10.88%	-95.72%	-68.04%