Kamana Sewa Bikas Bank Limited

Development BankMid Cap

NPR 448.00

NPR -2.2-0.49%

09:14 AM NPT · Sep 24, 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

451.10

High

454.00

Low

448.00

Prev Close

450.20

Volume

36,298

Turnover

Rs 16,343,579.3

Txns

102

Valuation · Q4 FY25/26

EPS Ann.

21.23

EPS TTM

21.23

BVPS

165.11

P/E Ann.

21.10

P/E TTM

21.10

Graham #

280.84

Capital

Mkt Cap

17.3 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

Weak

Momentum

RSI (14)

41.45

ADX

10.81

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

454.3

SMA 50

459.97

Bands & Channels

BB Width %

5.83%

Volume & Flow

OBV

4,911,132

Flow Analysis

[ Live 2026-09-24 ]

Total Buy

142,315

Shares Bought

Total Sell

142,315

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 50%

Distribution 50%

Accumulators

Quantity

53,825

Amount

24,413,430

Avg Rate

453.57

Rank

Brokers

#100#75#14

Distributors

Quantity

52,891

Amount

24,028,688

Avg Rate

454.31

Rank

Brokers

#86#68#95#45

Net Flow Impact:

+934units

(Rs. 384,742)

Net Flow by Timeframe

KSBBL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 210,195 ]

Buy Side

Total: 103,590

Broker

QTY

AVG

NET

100

20,274

453.10

+20,274

14.3%

19,201

451.26

+18,201

13.5%

14,350

457.33

+13,448

10.1%

9,694

456.44

+3,067

6.8%

9,240

456.69

+6,771

6.5%

7,830

450.83

+7,749

5.5%

6,500

458.72

+6,500

4.6%

4,640

449.23

+1,864

3.3%

2,337

453.54

+2,337

1.6%

2,320

454.27

+2,320

1.6%

1,550

456.00

+1,450

1.1%

1,500

456.65

+1,474

1.1%

1,500

457.05

+1,500

1.1%

1,454

457.03

+664

1.0%

1,200

453.83

+1,200

0.8%

Sell Side

Total: 106,605

Broker

QTY

AVG

NET

31,030

453.75

-31,030

21.8%

24,776

450.43

-2,172

17.4%

8,000

455.90

-8,000

5.6%

7,575

452.24

-6,875

5.3%

6,286

457.53

-5,885

4.4%

4,697

459.05

-3,705

3.3%

3,948

459.05

-2,753

2.8%

3,434

455.00

-3,434

2.4%

2,969

456.68

-1,418

2.1%

2,770

457.62

-2,199

1.9%

2,465

455.00

-1,167

1.7%

2,233

454.85

-1,426

1.6%

2,200

458.50

-2,200

1.6%

2,166

451.57

-2,066

1.5%

2,056

454.77

-1,951

1.4%

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	795.1	-6.9	-0.86%	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	575	+11.99	+2.13%	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	454	+3.02	+0.67%	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	960	-5.02	-0.52%	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	351.9	+3.59	+1.03%	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	484.4	-1.51	-0.31%	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	560	+4.89	+0.88%	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	356.2	-3.82	-1.06%	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	337	-1.01	-0.3%	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	751.8	+6.78	+0.91%	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	871	-1.92	-0.22%	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	404.5	-7.04	-1.71%	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	605	-1.03	-0.17%	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	0.36	34.7	11.04	1.62	1.62%	23.84	23.84%
SHBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SHINE	433	+3.9	+0.91%	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	417.9	-0.59	-0.14%	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	557.12	0.36	0.08%	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	484.4	-1.01	-0.17%	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	960	11.99	2.13%	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	337	-7.04	-1.71%	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%