Nepal Bank Limited

BankingLow Cap

NPR 292.00

NPR +0.5+0.17%

09:14 AM NPT · Sep 24, 2026

Est. 1937 (B.S. 1994) · Dharmapath, Kathmandu, Nepal · CEO: Jyoti Prakash Pandey

Nepal Bank Limited (NBL) is Nepal’s first commercial bank, established in 1937 (B.S. 1994), marking the formal beginning of the country’s banking era. As a government‐owned “A” class commercial bank licensed by the Nepal Rastra Bank (NRB), NBL has played a foundational role in shaping Nepal’s financial system, expanding banking services across the country, and promoting financial inclusion for over eight decades. Headquartered in Dharmapath, Kathmandu, Nepal Bank provides a full suite of retail, corporate, and development banking services. These include deposit products, personal and business loans, SME financing, remittance services, trade finance, treasury operations, card and digital banking services, and government payment and subsidy distribution. The bank maintains one of the largest branch networks in Nepal, ensuring nationwide access to modern financial services. With a strong legacy, government backing, and a large customer base, Nepal Bank Limited is committed to modernization, digital transformation, and customer-focused service delivery. Through its emphasis on trust, transparency, and responsible banking, NBL continues to strengthen its position as a cornerstone of Nepal’s financial sector and a key contributor to national economic development.

www.nepalbank.com.np/facebook X

Trading

Open

291.00

High

294.20

Low

287.50

Prev Close

291.50

Volume

315,961

Turnover

Rs 92,217,218

Txns

443

Valuation · Q4 FY25/26

EPS Ann.

30.63

EPS TTM

30.63

BVPS

287.70

P/E Ann.

9.53

P/E TTM

9.53

Graham #

445.28

Capital

Mkt Cap

42.91 Arab

Total

14.69 Crore

Public

7.2 Crore

Promoter

7.49 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)

73.54

ADX

48.44

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

280.78

SMA 50

273.84

Bands & Channels

BB Width %

12.37%

Volume & Flow

OBV

22,490,356

Flow Analysis

[ Live 2026-09-24 ]

Total Buy

1,332,553

Shares Bought

Total Sell

1,332,553

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 44%

Distribution 56%

Accumulators

Quantity

432,701

Amount

127,594,270

Avg Rate

294.88

Rank

Brokers

#65#34#28#101

Distributors

Quantity

551,390

Amount

162,080,592

Avg Rate

293.95

Rank

Brokers

#52#14#62#8#94

Net Flow Impact:

-118,689units

(Rs. -34,486,322)

Net Flow by Timeframe

NBL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 1,691,605 ]

Buy Side

Total: 874,448

Broker

QTY

AVG

NET

137,426

294.69

+101,254

10.3%

122,103

297.33

+93,611

9.2%

109,467

292.72

+80,271

8.2%

78,413

293.91

+15,236

5.9%

74,442

294.97

+37,062

5.6%

101

63,705

294.29

+61,632

4.8%

62,085

293.38

+32,321

4.7%

56,114

291.21

+51,334

4.2%

40,810

291.28

+39,312

3.1%

27,090

297.39

+16,735

2.0%

26,640

293.65

+18,333

2.0%

23,975

297.32

+17,095

1.8%

20,868

293.92

+15,736

1.6%

16,170

291.66

+5,558

1.2%

15,140

292.59

+7,645

1.1%

Sell Side

Total: 817,157

Broker

QTY

AVG

NET

313,870

294.66

-286,723

23.6%

76,774

293.76

-64,020

5.8%

72,575

292.38

-59,216

5.5%

58,549

292.59

-58,278

4.4%

42,878

294.02

-6,536

3.2%

41,449

292.97

-27,547

3.1%

29,622

293.44

-29,612

2.2%

28,598

291.75

-10,979

2.1%

27,990

293.70

-3,223

2.1%

26,095

297.28

-4,375

2.0%

24,224

293.75

-15,709

1.8%

24,069

293.45

-309

1.8%

17,909

296.19

-13,034

1.3%

16,391

295.26

-7,244

1.2%

16,164

293.21

-3,065

1.2%

Financial Fundamentals

Financial Metric	FY25/26 Q4	FY24/25 Q4	FY23/24 Q4	FY22/23 Q4	Growth %
Assets
Cash & Liquidity
Cash & Cash Equivalent	69,028,546	49,747,438	8,294,659	0	+38.76%
Money at Call & Short Notice	41,098,775	25,064,648	25,660,912	0	+63.97%
Due from NRB	31,090,832	18,193,433	21,545,522	0	+70.89%
Placement with B/FIs	10,007,943	6,871,215	4,115,390	0	+45.65%
Loans & Advances
Loans and Advances	255,461,026	228,884,374	203,454,479	0	+11.61%
Breakdown
Loans & Advances to B/FIs	11,870,370	7,180,888	6,414,490	0	+65.31%
Loans & Advances to Customers	243,590,656	221,703,486	197,039,988	0	+9.87%
Investments
Investment Securities	80,907,173	62,112,577	73,809,706	0	+30.26%
Investment in Subsidiaries	0.00	0.00	0.00	0	-
Investment in Associates	4,286,192	2,129,388	2,194,196	0	+101.29%
Investment Property	361,853	264,228	205,739	0	+36.95%
Other Assets
Derivative Financial Instruments	8,961,898	6,634,727	3,334,953	0	+35.08%
Other Trading Assets	187,884	177,324	98,304	0	+5.96%
Current Tax Assets	2,274,507	2,720,416	2,346,104	0	-16.39%
Deferred Tax Assets	0.00	0.00	0.00	0	-
Goodwill and Intangible Assets	47,239	23,567	22,252	0	+100.44%
Property & Equipment	13,315,438	13,482,363	13,231,868	0	-1.24%
Other Assets	19,994,692	17,636,849	12,627,945	0	+13.37%
Total Assets	484,453,696	399,321,864	339,479,503	0	+21.32%
Liabilities
Borrowings & Funding
Borrowings	4,697,591	8,349,412	3,971,521	0	-43.74%
Borrowing	0.00	0.00	0.00	0	-
Debt Securities Issued	3,496,292	3,495,578	3,494,939	0	+0.02%
Subordinated Liabilities	0.00	0.00	0.00	0	-
Interbank & NRB
Due to B/FIs	1,201,299	4,853,833	476,582	0	-75.25%
Due to NRB	0.00	0.00	0.00	0	-
Deposits	415,182,034	332,021,048	283,083,745	0	+25.05%
Other Liabilities
Derivative Financial Instruments	8,961,898	6,634,727	3,334,953	0	+35.08%
Provisions	208,014	198,223	99,820	0	+4.94%
Current Tax Liabilities	0.00	0.00	0.00	0	-
Deferred Tax Liabilities	4,620,764	3,778,331	4,271,121	0	+22.30%
Other Liabilities	8,495,905	10,180,009	6,883,707	0	-16.54%
Other Liabilities & Provisions	22,299,963	20,774,422	14,576,307	0	+7.34%
Total Liabilities	442,179,589	361,144,882	301,631,574	0	+22.44%
Shareholders Equity
Paid Up Capital	14,694,023	14,694,023	14,694,023	0	0.00%
Share Premium	0.00	0.00	0.00	0	-
Reserves & Surpluses
Reserves	25,252,124	23,932,049	22,384,598	0	+5.52%
Reserves & Surpluses	27,580,085	23,482,959	23,153,906	0	+17.45%
Retained Earnings	2,327,961	-449,090	769,308	0	+618.37%
Non-Controlling Interest	0.00	0.00	0.00	0	-
Total Equity	42,274,108	38,176,982	37,847,929	0	+10.73%
Total Liabilities & Equity	484,453,696	399,321,864	339,479,503	0	+21.32%

Sector Peers — Banking (26)

Peer Comparison

Banking 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)%
ADBL	313	+1.99	+0.64%	0.04	0.05	197.11	66.78%	9.8	16.11	13.33	243.14	3.66	3.66	12.54	4.07%	1.57	19.18	-	23.56	2.91	0.67	0.67%	6.73	6.73%
BOKL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CCBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CZBIL	213.4	+1.4	+0.66%	0.03	0.06	160.51	75.72%	9.79	13.53	13.53	221.05	3.48	3.67	13.97	5.88%	1.23	14.55	0.29	15.74	2.03	0.81	0.81%	8.77	8.77%
EBL	697.4	+0.63	+0.09%	0.1	0.05	256.47	77.57%	9.9	36.95	36.95	461.76	3.05	3.71	25.22	0.49%	2.71	18.81	-	18.97	4.74	1.35	1.35%	15.08	15.08%
GBIME	243.8	+0.8	+0.33%	0.1	0.05	183.14	68.43%	10.76	16.34	16.34	259.48	3.29	3.54	15.45	4.96%	1.31	14.69	43.16	15.97	2.27	0.82	0.82%	9.05	9.05%
HBL	195.5	-1.5	-0.76%	0.04	0.06	177.48	72.74%	9.43	6.56	6.56	161.85	2.83	3.67	6.5	7.96%	1.1	29.65	-	30.18	1.93	0.37	0.37%	3.79	3.79%
KBL	226	+0.99	+0.44%	0.06	0.06	170.8	77.14%	9.95	28.17	28.17	329.02	3.11	4.21	25.95	7.46%	1.23	7.45	0.03	8.06	1.94	1.58	1.58%	17.99	17.99%
LBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
LSL	250	+4.11	+1.67%	0.07	0.06	177.02	74.77%	9.8	11.64	11.64	215.32	3.22	3.66	11.8	5.23%	1.22	18.48	-	21.17	2.18	0.65	0.65%	6.71	6.71%
MBL	258.5	+0.49	+0.19%	0.03	0.06	156.01	78.45%	9.89	14.01	14.01	221.76	3.48	3.55	15.4	3.98%	1.59	17.7	-	18.62	2.73	0.89	0.89%	9.93	9.93%
MEGA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NABIL	569	+4.01	+0.71%	0.15	0.06	224.31	80.18%	9.22	24.66	24.66	352.79	3.18	3.56	20.82	4.2%	2.38	21.69	-	22.83	4.52	1.15	1.15%	11.65	11.65%
NBB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NCCB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NICA	316.3	-0.7	-0.22%	0.05	0.06	172.32	61.07%	14.32	1.22	1.22	68.78	3.5	3.9	0.79	9.26%	1.89	266.48	20.77	269.18	2.13	0.04	0.04%	0.65	0.65%
NIMB	194.6	+2.1	+1.09%	0.07	0.05	197.71	68.17%	8.09	8.05	8.05	189.24	3.15	3.84	8.73	8.66%	0.96	23.6	-	24.32	2.06	0.46	0.46%	4.07	4.07%
NMB	257.1	+3.4	+1.34%	0.05	0.06	170.79	82.77%	9.44	18.01	18.01	263.07	3.43	3.6	19.07	4.91%	1.4	13.3	18.36	14.32	2.54	1.07	1.07%	11.36	11.36%
PCBL	257	+4	+1.58%	0.05	0.07	175.8	83.36%	8.12	19.63	19.63	278.65	3.66	3.88	19.02	6.69%	1.36	12.22	-	13.19	2.33	1.25	1.25%	11.65	11.65%
PRVU	187.3	+1.01	+0.54%	0.04	0.05	140.92	67.86%	11.42	-1.02	-1.02	-	3.28	4.18	-1.09	15.55%	1.35	-185.88	-	-185.39	2.03	-0.05	-0.05%	-0.67	-0.67%
SANIMA	368	0	0%	0.05	0.06	177.07	80.77%	9.55	22.78	22.78	301.26	3.39	3.42	21.38	1.02%	1.98	15.36	0.8	16.24	3.28	1.28	1.28%	14.05	14.05%
SBI	404.2	-2.81	-0.69%	0.05	0.06	194.73	71.16%	10.25	18.04	18.04	281.14	3.21	3.51	14.11	2.92%	2.02	21.78	2.48	22.53	3.08	0.84	0.84%	9.59	9.59%
SBL	456.8	-0.18	-0.04%	0.07	0.06	201.81	73.63%	9.56	19.24	19.24	295.57	3.69	3.73	16.71	1.06%	1.96	20.53	-	23.28	3.43	0.96	0.96%	10.36	10.36%
SCB	657.2	+2.03	+0.31%	0.07	0.04	225.77	47.24%	6.94	28.38	28.38	379.69	3.77	5.62	38.39	2.03%	2.95	23.47	-	23.15	9.01	1.7	1.7%	12.82	12.82%
SRBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	336.95	1.21	0.44%	0.06	0.057	186.65	72.66%	9.79	16.79	16.64	266.09	3.35	3.83	15.82	5.35%	1.678	20.73	12.27	21.996	3.063	0.88	0.88%	9.09	9.09%
MED	257.8	1	0.39%	0.05	0.06	177.27	74.2%	9.8	17.18	17.18	263.07	3.34	3.67	15.43	4.94%	1.485	18.65	2.48	20.07	2.435	0.87	0.87%	9.76	9.76%
MAX	697.4	4.11	1.67%	0.15	0.07	256.47	83.36%	14.32	36.95	36.95	461.76	3.77	5.62	38.39	15.55%	2.95	266.48	43.16	269.18	9.01	1.7	1.7%	17.99	17.99%
MIN	187.3	-2.81	-0.76%	0.03	0.04	140.92	47.24%	6.94	-1.02	-1.02	68.78	2.83	3.42	-1.09	0.49%	0.96	-185.88	0.03	-185.39	1.93	-0.05	-0.05%	-0.67	-0.67%