Kamana Sewa Bikas Bank Limited

Development BankHigh Cap

NPR 475.00

NPR -0.2-0.04%

09:15 AM NPT · Jun 26, 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

475.40

High

476.00

Low

472.00

Prev Close

475.20

Volume

12,549

Turnover

Rs 5,953,600

Txns

Valuation · Q3 FY25/26

EPS Ann.

18.64

EPS TTM

17.35

BVPS

158.28

P/E Ann.

25.48

P/E TTM

27.38

Graham #

257.65

Capital

Mkt Cap

18.34 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

Very Strong

Momentum

RSI (14)

21.37

ADX

70.76

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

484.77

SMA 50

482.99

Bands & Channels

BB Width %

4.56%

Volume & Flow

OBV

4,827,019

Flow Analysis

[ Live 2026-06-26 ]

Total Buy

85,955

Shares Bought

Total Sell

85,955

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 42%

Distribution 58%

Accumulators

Quantity

34,571

Amount

16,507,833

Avg Rate

477.51

Rank

Brokers

#14#20#49#65

Distributors

Quantity

48,221

Amount

23,000,552

Avg Rate

476.98

Rank

Brokers

#44#33#38

Net Flow Impact:

-13,650units

(Rs. -6,492,719)

Net Flow by Timeframe

KSBBL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 134,933 ]

Buy Side

Total: 67,912

Broker

QTY

AVG

NET

9,931

474.51

+8,656

11.6%

8,620

475.08

+7,455

10.0%

8,200

481.21

+7,200

9.5%

7,820

480.10

+7,820

9.1%

5,570

477.36

+5,570

6.5%

4,895

477.69

+3,395

5.7%

4,650

475.02

+4,450

5.4%

4,144

476.46

+2,232

4.8%

3,661

475.65

+457

4.3%

2,500

481.35

+1,855

2.9%

2,000

478.05

+2,000

2.3%

1,695

478.86

+1,395

2.0%

1,600

474.50

+1,600

1.9%

1,350

480.74

+750

1.6%

1,276

481.17

+1,276

1.5%

Sell Side

Total: 67,021

Broker

QTY

AVG

NET

32,401

477.88

-32,031

37.7%

9,300

475.60

-8,200

10.8%

6,520

474.50

-5,160

7.6%

5,000

480.93

-4,920

5.8%

1,910

475.00

-675

2.2%

1,698

475.10

-1,498

2.0%

1,600

479.30

-1,288

1.9%

1,376

480.44

-1,141

1.6%

1,344

479.98

-1,274

1.6%

1,160

475.01

-67

1.4%

1,128

478.40

-268

1.3%

1,126

474.94

-501

1.3%

887

477.93

-767

1.0%

842

475.28

-624

1.0%

729

477.56

-694

0.8%

Financial Fundamentals

Financial Metric	FY25/26 Q3	FY24/25 Q3	FY23/24 Q3	FY22/23 Q3	Growth %
Assets
Cash & Liquidity
Cash & Cash Equivalent	1,621,364	1,661,289	1,663,176	0	-2.40%
Money at Call & Short Notice	2,651,641	2,373,657	2,349,125	0	+11.71%
Due from NRB	2,651,641	2,373,657	2,349,125	0	+11.71%
Placement with B/FIs	0.00	0.00	0.00	0	-
Loans & Advances
Loans and Advances	55,133,053	52,404,695	48,611,606	0	+5.21%
Loans & Advances to B/FIs	1,594,366	2,937,135	3,256,951	0	-45.72%
Loans & Advances to Customers	53,538,688	49,467,561	45,354,655	0	+8.23%
Investments
Investment Securities	12,734,618	11,797,129	11,085,348	0	+7.95%
Investment in Subsidiaries	0.00	0.00	0.00	0	-
Investment in Associates	0.00	0.00	0.00	0	-
Investment Property	329,193	298,401	329,690	0	+10.32%
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	27,540	36,649	19,345	0	-24.85%
Deferred Tax Assets	32,994	45,276	69,017	0	-27.13%
Goodwill and Intangible Assets	12,664	11,565	10,580	0	+9.50%
Property & Equipment	903,024	959,464	1,092,830	0	-5.88%
Other Assets	582,306	776,056	713,984	0	-24.97%
Total Assets	73,955,200	70,270,692	65,845,758	0	+5.24%
Liabilities
Borrowings & Funding
Borrowings	1,362,881	1,658,934	2,326,506	0	-17.85%
Borrowing	0.00	0.00	0.00	0	-
Debt Securities Issued	997,109	996,231	995,160	0	+0.09%
Subordinated Liabilities	0.00	0.00	0.00	0	-
Interbank & NRB
Due to B/FIs	365,772	662,703	1,331,345	0	-44.81%
Due to NRB	0.00	0.00	0.00	0	-
Deposits	64,950,732	61,887,395	57,271,053	0	+4.95%
Other Liabilities
Provisions	32,069	20,734	19,495	0	+54.67%
Current Tax Liabilities	0.00	0.00	0.00	0	-
Deferred Tax Liabilities	0.00	0.00	0.00	0	-
Other Liabilities	942,656	973,116	1,131,765	0	-3.13%
Other Liabilities & Provisions	974,724	993,850	1,151,259	0	-1.92%
Total Liabilities	67,288,337	64,540,178	60,748,818	0	+4.26%
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	2,037,318	1,719,807	1,528,444	0	+18.46%
Reserves & Surpluses	2,454,922	2,219,667	1,815,776	0	+10.60%
Retained Earnings	417,604	499,860	287,332	0	-16.46%
Non-Controlling Interest	0.00	0.00	0.00	0	-
Total Equity	6,666,853	5,730,513	5,096,940	0	+16.34%
Total Liabilities & Equity	73,955,190	70,270,692	65,845,758	0	+5.24%

Sector Peers — Development Bank (19)

Peer Comparison

Development Bank SECTOR — NEPAL

2025/2026 Q3

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)	P/E (TTM)	P/S	ROA (Annualized)	ROA (TTM)%	ROE (Annualized)	ROE (TTM)%
CORBL	1,714	+13.77	+0.81%	0.01	0.07	139.27	58.82%	3.34	12.26	2.68	91.64	4.57	6.71	29.16	6.36%	17.45	148.69	733.62	77.12	2.17	0.47%	8.64	1.89%
EDBL	555.6	-5.39	-0.96%	0.01	0.06	184	76.86%	7.79	16.61	16.24	259.29	4.57	4.28	18.31	6.59%	4.27	35.44	36.22	11.53	1.09	1.07%	9.59	9.37%
GBBL	405.8	+0.89	+0.22%	0.02	0.07	167.58	87.15%	9.73	23.21	26.99	319.01	4.13	4.68	18.73	4.77%	3.29	17.79	15.41	5.92	1.35	1.57%	14.85	17.28%
GBLBSP	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GRDBL	1,048	+8.01	+0.77%	0.01	0.07	116.8	85.44%	8.48	7.63	13.54	188.63	4.17	4.43	9.47	4.32%	12.1	138.93	78.66	23.4	0.68	1.22%	6.87	12.19%
JBBL	338	-2.01	-0.59%	0.02	0.07	163.43	81.45%	9.63	19.09	7.63	167.5	4.17	4.2	17.05	7.83%	3.03	19.43	47.17	5.89	1.15	0.46%	12.11	4.83%
KRBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-82.82	-	-	-	-	-
LBBL	479.9	+0.91	+0.19%	0.02	0.07	205.4	87.11%	7.88	20.67	24.61	337.25	4.08	4.11	16.23	6.49%	3.22	24	20.32	6.93	1.12	1.34%	10.71	12.76%
MDB	587	-3.01	-0.51%	0.01	0.07	139.36	85.76%	5.12	10.54	11.02	185.89	4.25	4	19.48	0.48%	5.95	59	56.3	20.44	1.4	1.46%	7.6	7.94%
MLBL	354.9	-1.1	-0.31%	0.02	0.07	162.01	87.89%	7.6	13.59	11.75	206.96	4.24	4.81	13.92	6.59%	3.09	27.62	31.28	6.83	0.97	0.84%	8.55	7.38%
MNBBL	366.9	0	0%	0.03	0.07	155.09	85.21%	9.87	15.71	21.94	276.7	4.48	4.6	13	4.88%	3.26	24.12	17.09	5.58	0.95	1.33%	10.67	14.89%
MTBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NABBC	788	+1.02	+0.13%	0	0.04	32.98	56.77%	2.97	-12.64	-11.86	-	4.5	-2.52	-304.8	59.37%	47.42	-92.8	-77.31	502.89	-10.84	-10.17%	-59.8	-56.1%
SABBL	976	+13	+1.35%	0.01	0.08	103.75	71.21%	2.81	-0.81	1.39	56.96	4.58	6.2	-2.82	3.35%	20.69	-1,987.65	852.52	99.38	-0.21	0.38%	-0.93	1.61%
SADBL	403	-0.69	-0.17%	0.02	0.07	158.79	83.84%	9.82	17.3	15.73	237.06	4.32	4.63	14.24	7.87%	3.57	24.57	26.7	6.22	1	0.91%	11.37	10.34%
SAPDBL	814	-84.95	-9.45%	0.01	0.06	72.9	71.87%	14.61	9.43	19.59	179.26	3.99	3.59	15.19	7.6%	15.69	90.99	43.29	24.58	0.88	1.84%	12.55	26.07%
SHBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SHINE	404	+1.49	+0.37%	0.02	0.07	153.05	85.75%	10	20.93	19.18	257	4.09	4.36	17.62	4.92%	3.6	19.73	21.74	6.18	1.29	1.19%	14.11	12.93%
SINDU	709	+7.99	+1.14%	0	0.06	91.3	66.04%	11.2	-7.91	1.2	49.65	4.58	3.84	-11.27	7.92%	11.07	-95.85	628.33	19.21	-0.72	0.1%	-9.24	1.4%

AVG	662.94	-3.34	-0.47%	0.01	0.067	136.38	78.08%	8.06	11.04	12.11	200.91	4.31	4.13	-7.77	9.29%	10.513	-103.07	153.033	54.807	0.15	0.27%	3.84	5.65%
MED	555.6	0.89	0.13%	0.01	0.07	153.05	83.84%	8.48	13.59	13.54	197.8	4.25	4.36	15.19	6.49%	4.27	24.12	33.75	11.53	1	1.07%	9.59	9.37%
MAX	1,714	13.77	1.35%	0.03	0.08	205.4	87.89%	14.61	23.21	26.99	337.25	4.58	6.71	29.16	59.37%	47.42	148.69	852.52	502.89	2.17	1.84%	14.85	26.07%
MIN	338	-84.95	-9.45%	0	0.04	32.98	56.77%	2.81	-12.64	-11.86	49.65	3.99	-2.52	-304.8	0.48%	3.03	-1,987.65	-82.82	5.58	-10.84	-10.17%	-59.8	-56.1%