Kamana Sewa Bikas Bank Limited

Development BankHigh Cap

NPR 481.00

NPR -1-0.21%

09:14 AM NPT · May 15, 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

483.00

High

485.00

Low

480.00

Prev Close

482.00

Volume

8,602

Turnover

Rs 4,148,637.2

Txns

Valuation · Q2 FY25/26

EPS Ann.

20.43

EPS TTM

18.32

BVPS

158.07

P/E Ann.

23.54

P/E TTM

26.26

Graham #

269.56

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

Buy

RSI

Neutral

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

53.59

ADX

34.63

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

479.34

SMA 50

485.12

Bands & Channels

BB Width %

3.15%

Volume & Flow

OBV

4,860,505

Flow Analysis

[ Live 2026-05-15 ]

Total Buy

96,116

Shares Bought

Total Sell

96,116

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 52%

Distribution 48%

Accumulators

Quantity

43,475

Amount

20,969,881

Avg Rate

482.34

Rank

Brokers

#6#44#17

Distributors

Quantity

39,662

Amount

19,138,953

Avg Rate

482.55

Rank

Brokers

#42#43#57#26

Net Flow Impact:

+3,813units

(Rs. 1,830,929)

Net Flow by Timeframe

KSBBL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 146,716 ]

Buy Side

Total: 79,642

Broker

QTY

AVG

NET

21,285

482.68

+8,710

22.1%

15,412

481.56

+14,318

16.0%

6,778

483.06

+6,673

7.0%

6,544

482.12

+6,544

6.8%

5,060

485.26

+4,882

5.3%

4,910

481.15

+4,910

5.1%

4,698

486.56

+2,167

4.9%

3,302

482.57

+2,674

3.4%

2,055

482.22

+1,675

2.1%

2,046

482.34

+2,031

2.1%

1,605

481.00

+1,605

1.7%

1,547

485.89

+1,046

1.6%

1,500

485.40

+1,500

1.6%

1,500

481.84

+400

1.6%

1,400

483.00

+1,022

1.5%

Sell Side

Total: 67,074

Broker

QTY

AVG

NET

14,591

483.33

-14,012

15.2%

14,173

482.65

-14,078

14.8%

6,413

483.46

-5,393

6.7%

4,655

483.39

-2,602

4.8%

4,485

478.40

-4,455

4.7%

4,000

473.16

-3,850

4.2%

3,757

483.68

-3,532

3.9%

3,469

482.98

-3,219

3.6%

2,446

482.09

-1,911

2.5%

2,198

483.75

-2,198

2.3%

1,876

482.37

-1,156

1.9%

1,664

481.89

-1,614

1.7%

1,502

481.77

-1,302

1.6%

940

481.20

-756

1.0%

905

480.27

-817

0.9%

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	2,011	-20.93	-1.03%	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	579.9	+4.89	+0.85%	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	0	0%	0.02	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	1,024.1	-11.91	-1.15%	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	354.1	-0.28	-0.08%	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	485	+3.99	+0.83%	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	365.9	+0.91	+0.25%	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	371	-1	-0.27%	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	949	+9.02	+0.96%	0	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	1,214	-6.96	-0.57%	0.01	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	-	-	-	-
SADBL	413.9	+3.41	+0.83%	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	779	+4.03	+0.52%	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	408.3	-1.68	-0.41%	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	700.1	-8.93	-1.26%	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	711.02	-2.03	-0.09%	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	579.9	-0.28	-0.08%	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	2,011	9.02	0.96%	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	354.1	-20.93	-1.26%	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%