NIC Asia Bank Ltd.

BankingMid Cap

NPR 327.00

NPR +1+0.31%

06:21 AM NPT · Aug 12, 2026

Est. 1998 · Kathmandu, Nepal · CEO: Sujit Kumar Shakya

NIC Asia Bank Limited is one of Nepal’s largest and fastest-growing commercial banks, licensed by the Nepal Rastra Bank (NRB) as an “A” class financial institution. Formed through the merger of NIC Bank and Bank of Asia Nepal in 2013, the bank has since expanded rapidly, establishing one of the most extensive nationwide networks of branches, ATMs, and digital banking services in the country. Headquartered in Thapathali, Kathmandu, NIC Asia provides a comprehensive suite of financial solutions that include retail and corporate banking, SME financing, digital banking, remittance services, trade finance, cards and payment solutions, wealth management, and investment advisory. The bank is widely recognized for its aggressive digital transformation strategy, offering innovative platforms such as NIC Asia MoBank, Internet Banking, QR-based payments, and a wide range of cashless services that promote convenience and financial inclusion. NIC Asia has consistently positioned itself as a market leader in deposit collection, lending, technological adoption, and branch expansion. With a strong management team, disciplined risk framework, and customer-centric approach, the bank serves millions of customers across Nepal while maintaining high service standards and regulatory compliance. Driven by its mission to deliver accessible, modern, and reliable financial services, NIC Asia Bank Limited continues to strengthen its presence as a dominant force in Nepal’s banking industry and a key contributor to national economic growth.

Trading

Open

330.00

High

334.00

Low

325.00

Prev Close

326.00

Volume

5,281

Turnover

Rs 1,737,032.7

Txns

0

Valuation · Q3 FY25/26

EPS Ann.

1.25

EPS TTM

0.97

BVPS

172.97

P/E Ann.

261.60

P/E TTM

337.11

Graham #

69.75

Capital

Mkt Cap

48.78 Arab

Total

14.92 Crore

Public

7.31 Crore

Promoter

7.61 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Strong Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Weak

Momentum

RSI (14)

24.4

ADX

17.79

Overall Score

27
Below Line

Technical Score

Moving Averages

SMA 20

335.08

SMA 50

335.13

Bands & Channels

BB Width %

8.09%

Volume & Flow

OBV

-3,660,799

Flow Analysis

[ Live 2026-08-11 ]

Total Buy

213,416

Shares Bought

Total Sell

213,416

Shares Sold

Net Flow

0

Net Accumulation

Active Brokers

76

Participating

ACCUM/DIST

Accumulation 46%

Distribution 54%

Accumulators

5

Quantity

79,336

Amount

25,942,079

Avg Rate

326.99

Rank

#13

Brokers

#42#56#92#58#45

Distributors

3

Quantity

94,179

Amount

30,762,230

Avg Rate

326.64

Rank

#11

Brokers

#34#38#17

Net Flow Impact:

-14,843units
(Rs. -4,820,151)

Net Flow by Timeframe

NICA — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 277,148 ]

Buy Side

Total: 130,298

Broker

QTY

AVG

NET

%

42

22,556

326.39

+19,285

10.6%

56

20,380

327.09

+19,135

9.6%

58

15,058

327.80

+6,865

7.1%

45

13,785

326.04

+5,938

6.5%

49

8,122

326.94

+2,685

3.8%

92

7,557

328.65

+7,557

3.5%

16

6,437

327.31

+4,875

3.0%

7

5,466

326.04

+4,578

2.6%

44

5,132

327.06

+266

2.4%

32

4,671

326.76

+4,041

2.2%

14

4,528

326.74

+3,691

2.1%

41

4,397

327.18

+1,128

2.1%

13

4,350

328.34

+1,040

2.0%

25

4,005

326.46

+1,086

1.9%

36

3,854

328.23

+3,777

1.8%

Sell Side

Total: 146,850

Broker

QTY

AVG

NET

%

34

46,245

326.01

-41,167

21.7%

38

29,304

327.87

-24,934

13.7%

17

18,630

326.25

-8,010

8.7%

82

6,500

328.95

-6,500

3.0%

81

6,485

326.91

-185

3.0%

39

6,370

326.57

-4,470

3.0%

29

5,421

326.05

-4,481

2.5%

35

4,856

326.64

-2,736

2.3%

46

4,303

329.84

-4,303

2.0%

57

4,145

327.69

-292

1.9%

71

3,505

330.43

-3,505

1.6%

88

3,050

325.30

-40

1.4%

3

3,015

325.94

-2,623

1.4%

51

2,571

325.40

-247

1.2%

40

2,450

325.98

-2,000

1.1%

Financial Fundamentals

Financial MetricFY25/26 Q3FY24/25 Q3FY23/24 Q3FY22/23 Q3Growth %
Assets
Cash & Liquidity
Cash & Cash Equivalent14,723,40612,871,72420,724,7770+14.39%
Money at Call & Short Notice84,074,82615,837,31216,654,8020+430.87%
Due from NRB84,074,82615,837,31216,654,8020+430.87%
Placement with B/FIs0.000.000.000-
Loans & Advances
Loans and Advances209,944,914243,719,481287,836,8230-13.86%
Breakdown
Loans & Advances to B/FIs8,601,61510,285,16010,655,6760-16.37%
Loans & Advances to Customers201,343,299233,434,322277,181,1470-13.75%
Investments
Investment Securities53,768,18359,204,57153,119,8130-9.18%
Investment in Subsidiaries1,184,5001,194,5001,194,5000-0.84%
Investment in Associates0.000.000.000-
Investment Property4,168,0264,587,5334,098,7440-9.14%
Other Assets
Derivative Financial Instruments5,774,8025,115,7172,758,2420+12.88%
Other Trading Assets120,000487,9002,2800-75.40%
Current Tax Assets989,205614,735131,9390+60.92%
Deferred Tax Assets2,513,484000-
Goodwill and Intangible Assets146,605166,515188,8470-11.96%
Property & Equipment3,982,5784,712,4325,253,5000-15.49%
Other Assets14,435,78612,187,1659,920,9020+18.45%
Total Assets386,282,219354,314,719398,803,8610+9.02%
Liabilities
Borrowings & Funding
Borrowings16,951,09421,543,25634,096,2620-21.32%
Borrowing0.000.000.000-
Debt Securities Issued10,906,29912,740,46610,737,3290-14.40%
Subordinated Liabilities0.000.000.000-
Interbank & NRB
Due to B/FIs6,044,7948,802,79023,358,9330-31.33%
Due to NRB0.000.000.000-
Deposits334,375,479294,060,130327,167,6440+13.71%
Other Liabilities
Derivative Financial Instruments5,774,8025,115,7172,758,2420+12.88%
Provisions0.000.000.000-
Current Tax Liabilities0.000.000.000-
Deferred Tax Liabilities0.00257846.83197633.300-100.00%
Other Liabilities3,338,9603,756,1923,941,3430-11.11%
Other Liabilities & Provisions9,152,1438,980,6706,888,4700+1.91%
Total Liabilities360,478,716324,584,055368,152,3750+11.06%
Shareholders Equity
Paid Up Capital14,917,56714,917,56714,917,56700.00%
Share Premium0.000.000.000-
Reserves & Surpluses
Reserves24,544,15018,382,29917,459,5610+33.52%
Reserves & Surpluses10,885,93614,813,09615,733,9180-26.51%
Retained Earnings-13,658,214-3,569,203-1,725,6430-282.67%
Non-Controlling Interest0.000.000.000-
Total Equity25,803,50329,730,66330,651,4850-13.21%
Total Liabilities & Equity386,282,219354,314,719398,803,8610+9.02%

Sector Peers — Banking (26)

Peer Comparison

Banking SECTOR — NEPAL

2025/2026 Q3

NPR/Millions

Statement

Highlight

TICKERMarket
Key Ratios
PriceChgChg%Mkt Cap (M)Asset TurnoverBook Value Per ShareC/D Ratio%Debt to EquityEPS (Annualized)EPS (TTM)Graham's NumberInterest Rate SpreadNet Interest MarginNet Profit MarginNPL%P/BP/E (Annualized)P/E (TTM)P/SROA (Annualized)ROA (TTM)%ROE (Annualized)ROE (TTM)%

ADBL

303+0.51+0.17%0.040.06194.5865.44%9.419.4218.77286.663.473.859.025.06%2.1633.4716.895.370.491%4.959.86%

BOKL

-----------------------

CBL

-----------------------

CCBL

-----------------------

CZBIL

201.5-1.3-0.64%0.030.06155.9982.18%9.2811.2310.56192.523.553.6411.586.82%1.818.7219.183.860.710.67%7.447%

EBL

722.7+7.72+1.08%0.10.06244.2185.88%10.332.3534.91437.973.123.4722.170.61%3.8121.5820.328.51.251.36%13.8714.97%

GBIME

251.9+1.2+0.48%0.090.06178.5371.13%10.3915.415.93252.963.33.4714.764.97%1.7815.4514.954.060.810.85%8.759.05%

HBL

194.1+0.1+0.05%0.040.06171.9675.01%9.484.57.86174.392.843.754.417.98%1.6246.3325.573.630.250.45%2.674.67%

KBL

218.7+2.7+1.25%0.060.06158.5377.14%10.4121.2422.91285.863.134.3119.366.94%1.9310.789.43.711.231.33%14.4915.64%

LBL

-----------------------

LSL

221.7+0.71+0.32%0.060.06175.0877.04%9.4610.1516.81257.333.43.3610.775.29%1.6421.2313.164.070.590.99%6.0510.03%

MBL

253.2+0.2+0.08%0.030.06154.5277.67%9.6914.6617.02243.263.533.5216.364.01%2.1717.1914.6750.961.12%10.6512.38%

MEGA

-----------------------

NABIL

551.1+0.11+0.02%0.140.06220.9579.5%9.1428.1427.58370.283.313.5723.780.98%3.218.8319.47.961.351.32%13.6513.38%

NBB

-----------------------

NBL

264.5-1.41-0.53%0.040.05272.7966.07%10.2525.3425.74397.473.73.9317.244.96%1.3610.9710.413.360.890.91%9.499.64%

NCCB

-----------------------

NIMB

194+0.7+0.36%0.070.05199.7268.37%8.0412.2915.72265.782.793.7313.268.41%1.4117.1412.554.040.710.92%6.298.05%

NMB

241.3-2-0.82%0.050.06165.5984.68%9.1716.0816.14245.223.53.8416.814.95%215.4515.074.620.990.99%10.4710.5%

PCBL

239-1.01-0.42%0.050.07171.2883.12%8.0719.6623.31299.723.793.9518.956.39%1.9112.4910.34.211.311.56%12.1314.4%

PRVU

189.8-0.21-0.11%0.050.06146.2670.61%10.674.8218.77248.533.444.195.068.84%1.9143.3610.53.90.281.12%3.2812.78%

SANIMA

368.1-0.89-0.24%0.050.06169.3482.76%9.3920.1120.98282.733.483.4518.933.99%2.7617.417.545.861.191.24%12.9713.53%

SBI

399-5.99-1.48%0.040.06189.5768.57%10.8617.1918.18278.473.313.4113.522.53%2.8523.5621.955.660.810.86%9.49.94%

SBL

409-0.98-0.24%0.060.06194.3977.92%9.3114.6820.45299.073.713.6413.033.71%2.6926.719.616.190.791.1%8.2811.54%

SCB

650+0.71+0.11%0.070.04218.5952.95%6.9927.6429.25379.293.675.0337.871.81%3.9723.5522.4615.861.691.8%12.9313.69%

SRBL

-----------------------
AVG326.260.05-0.03%0.060.058187.8874.78%9.4616.9420.05288.753.393.7815.944.9%2.27621.916.3295.5480.911.09%9.3211.17%
MED252.550.10.04%0.050.06176.8177.09%9.4415.7418.77280.63.463.6915.564.97%1.96518.7815.984.4150.851.05%9.4511.02%
MAX722.77.721.25%0.140.07272.7985.88%10.8632.3534.91437.973.795.0337.878.84%3.9746.3325.5715.861.691.8%14.4915.64%
MIN189.8-5.99-1.48%0.030.04146.2652.95%6.994.57.86174.392.793.364.410.61%1.3610.789.43.360.250.45%2.674.67%

26

securities loaded

Best in class

Laggard

AVG

Average

MED

Median

MAX

Maximum

MIN

Minimum