Nepal Bank Limited

BankingLow Cap

NPR 287.00

NPR -1-0.35%

08:45 AM NPT · Sep 16, 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.

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Trading

Open

288.10

High

289.00

Low

283.00

Prev Close

288.00

Volume

124,099

Turnover

Rs 35,567,489.2

Txns

Valuation · Q4 FY25/26

EPS Ann.

30.63

EPS TTM

30.63

BVPS

287.70

P/E Ann.

9.37

P/E TTM

9.37

Graham #

445.28

Capital

Mkt Cap

42.17 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

Strong

Momentum

RSI (14)

67.5

ADX

28.33

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

275.75

SMA 50

270.76

Bands & Channels

BB Width %

6.15%

Volume & Flow

OBV

21,530,004

Flow Analysis

[ Live 2026-09-15 ]

Total Buy

702,451

Shares Bought

Total Sell

702,451

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 57%

Distribution 43%

Accumulators

Quantity

311,619

Amount

87,762,887

Avg Rate

281.64

Rank

Brokers

#50#14#35#57

Distributors

Quantity

235,215

Amount

66,563,202

Avg Rate

282.99

Rank

Brokers

#58#8#49#37

Net Flow Impact:

+76,404units

(Rs. 21,199,685)

Net Flow by Timeframe

NBL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 851,782 ]

Buy Side

Total: 477,881

Broker

QTY

AVG

NET

178,982

281.33

+40,244

25.5%

58,590

281.68

+49,539

8.3%

38,451

282.93

+33,647

5.5%

35,596

281.68

+27,521

5.1%

24,142

280.80

+8,721

3.4%

20,000

278.03

+20,000

2.9%

18,511

277.93

+18,511

2.6%

17,021

281.46

+13,549

2.4%

17,000

288.00

+1,160

2.4%

12,563

277.28

+4,541

1.8%

12,274

282.24

+11,574

1.8%

11,979

282.23

+7,295

1.7%

11,140

288.94

+9,695

1.6%

10,882

282.03

+617

1.6%

10,750

277.71

+9,150

1.5%

Sell Side

Total: 373,901

Broker

QTY

AVG

NET

121,393

281.87

-95,529

17.3%

66,900

284.27

-46,520

9.5%

29,239

282.75

-19,804

4.2%

17,683

286.26

-16,683

2.5%

17,037

281.90

-13,513

2.4%

16,635

282.73

-9,954

2.4%

16,017

280.14

-4,617

2.3%

14,549

284.52

-5,234

2.1%

11,950

284.79

-7,511

1.7%

11,803

282.38

-6,177

1.7%

11,736

282.09

-8,474

1.7%

10,941

279.40

-8,486

1.6%

10,150

284.86

-8,269

1.4%

9,423

283.02

-3,510

1.3%

8,445

281.91

-3,458

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	305.5	-2.49	-0.81%	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	-	22.58	2.91	0.67	0.67%	6.73	6.73%
BOKL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CCBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CZBIL	205	-3.91	-1.87%	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	0.27	14.9	2.03	0.81	0.81%	8.77	8.77%
EBL	726	-6	-0.82%	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	-	19.95	4.74	1.35	1.35%	15.08	15.08%
GBIME	257.5	+0.41	+0.16%	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	40.73	15.07	2.27	0.82	0.82%	9.05	9.05%
HBL	193.2	-1.89	-0.97%	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	-	29.18	1.93	0.37	0.37%	3.79	3.79%
KBL	216.3	-5.3	-2.39%	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	7.65	1.94	1.58	1.58%	17.99	17.99%
LBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
LSL	232	-4.3	-1.82%	0.06	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	-	18.9	2.18	0.65	0.65%	6.71	6.71%
MBL	253	-4.69	-1.82%	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	-	17.84	2.73	0.89	0.89%	9.93	9.93%
MEGA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NABIL	558	-2.02	-0.36%	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	-	22.1	4.52	1.15	1.15%	11.65	11.65%
NBB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NCCB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NICA	319	-10.89	-3.3%	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	19.86	257.38	2.13	0.04	0.04%	0.65	0.65%
NIMB	191.5	-0.5	-0.26%	0.06	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	-	23.29	2.06	0.46	0.46%	4.07	4.07%
NMB	248.9	-3.69	-1.46%	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	17.14	13.37	2.54	1.07	1.07%	11.36	11.36%
PCBL	243.4	-1.59	-0.65%	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	-	12.28	2.33	1.25	1.25%	11.65	11.65%
PRVU	187	-2.6	-1.37%	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	-	-179.41	2.03	-0.05	-0.05%	-0.67	-0.67%
SANIMA	372.5	-2.51	-0.67%	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	16.27	3.28	1.28	1.28%	14.05	14.05%
SBI	403	-6.89	-1.68%	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	2.46	22.33	3.08	0.84	0.84%	9.59	9.59%
SBL	430.5	+0.99	+0.23%	0.06	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	-	21.52	3.43	0.96	0.96%	10.36	10.36%
SCB	651	-2.02	-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	-	22.9	9.01	1.7	1.7%	12.82	12.82%
SRBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	332.96	-3.33	-1.12%	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	11.613	21.006	3.063	0.88	0.88%	9.09	9.09%
MED	255.25	-2.56	-0.9%	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	2.46	19.425	2.435	0.87	0.87%	9.76	9.76%
MAX	726	0.99	0.23%	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	40.73	257.38	9.01	1.7	1.7%	17.99	17.99%
MIN	187	-10.89	-3.3%	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	-179.41	1.93	-0.05	-0.05%	-0.67	-0.67%