NIC Asia Bank Ltd.

BankingMid Cap

NPR 354.90

NPR -0.9-0.25%

09:14 AM NPT · May 13, 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.

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Trading

Open

356.00

High

357.90

Low

350.10

Prev Close

355.80

Volume

45,191

Turnover

Rs 15,957,091.6

Txns

245

Valuation · Q2 FY25/26

EPS Ann.

1.76

EPS TTM

0.95

BVPS

198.33

P/E Ann.

201.65

P/E TTM

373.58

Graham #

88.62

Capital

Mkt Cap

52.94 Arab

Total

14.92 Crore

Public

7.31 Crore

Promoter

7.61 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Sell

RSI

Neutral

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Weak

Momentum

RSI (14)

43.06

ADX

12.77

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

362.39

SMA 50

366.83

Bands & Channels

BB Width %

6.75%

Volume & Flow

OBV

-2,903,900

Flow Analysis

[ Live 2026-05-13 ]

Total Buy

467,282

Shares Bought

Total Sell

467,282

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 46%

Distribution 54%

Accumulators

Quantity

138,807

Amount

49,830,009

Avg Rate

358.99

Rank

Brokers

#28#54#17#71#38#8

Distributors

Quantity

162,653

Amount

58,232,565

Avg Rate

358.02

Rank

Brokers

#4#49#101

Net Flow Impact:

-23,846units

(Rs. -8,402,556)

Net Flow by Timeframe

NICA — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 588,948 ]

Buy Side

Total: 253,087

Broker

QTY

AVG

NET

48,947

361.89

+40,586

10.5%

34,392

356.00

+10,782

7.4%

28,932

358.06

+15,391

6.2%

17,365

355.33

+16,301

3.7%

16,578

359.50

+121

3.5%

15,214

356.60

+13,654

3.3%

14,720

360.63

+13,940

3.1%

14,212

355.84

+10,436

3.0%

13,629

356.08

+12,998

2.9%

9,860

357.43

+5,877

2.1%

9,216

358.68

+4,955

2.0%

8,114

357.50

+5,328

1.7%

7,709

358.82

+3,708

1.6%

7,701

359.66

+7,701

1.6%

6,498

358.11

+5,552

1.4%

Sell Side

Total: 335,861

Broker

QTY

AVG

NET

86,370

357.75

-85,642

18.5%

52,833

358.30

-14,313

11.3%

48,857

358.23

-34,100

10.5%

47,487

358.90

-437

10.2%

101

27,426

358.49

-26,726

5.9%

27,000

356.78

-23,032

5.8%

9,032

357.99

-2,734

1.9%

6,597

360.80

-4,522

1.4%

6,433

354.13

-4,703

1.4%

5,498

355.17

-957

1.2%

5,000

354.33

-5,000

1.1%

3,791

361.74

-2,991

0.8%

3,372

354.95

-2,050

0.7%

3,160

359.01

-3,094

0.7%

3,005

354.88

-932

0.6%

Financial Fundamentals

Financial Metric	FY25/26 Q2	FY24/25 Q2	FY23/24 Q2	FY22/23 Q2	Growth %
Assets
Cash & Liquidity
Cash & Cash Equivalent	18,514,822,904	12,968,518,473	34,072,090,609	18,334,060,116	+42.77%
Money at Call & Short Notice	72,546,441,904	16,894,783,155	15,382,879,854	16,274,842,549	+329.40%
Due from NRB	72,546,441,904	16,894,783,155	15,382,879,854	16,274,842,549	+329.40%
Placement with B/FIs	0.00	0.00	0.00	0.00	-
Loans & Advances
Loans and Advances	218,945,843,320	256,219,728,957	302,674,617,035	266,679,939,767	-14.55%
Breakdown
Loans & Advances to B/FIs	9,634,556,530	11,080,022,162	8,866,177,900	9,819,096,697	-13.05%
Loans & Advances to Customers	209,311,286,790	245,139,706,795	293,808,439,135	256,860,843,070	-14.62%
Investments
Investment Securities	55,844,546,746	59,141,159,028	61,065,263,176	38,882,459,358	-5.57%
Investment in Subsidiaries	1,184,500,000	1,194,500,000	1,204,500,000	1,404,500,000	-0.84%
Investment in Associates	0.00	0.00	0.00	0.00	-
Investment Property	4,317,432,629	4,074,096,174	3,408,049,091	2,755,205,121	+5.97%
Other Assets
Derivative Financial Instruments	5,666,178,679	3,636,589,099	3,598,960,254	1,822,800,000	+55.81%
Other Trading Assets	142,800,000	0	2,280,000	1,920,000	-
Current Tax Assets	608,044,255	597,052,534	161,158,440	0	+1.84%
Deferred Tax Assets	928,808,682	0	0	0	-
Goodwill and Intangible Assets	135,974,142	173,193,191	165,381,369	133,397,411	-21.49%
Property & Equipment	4,172,291,132	4,810,960,804	5,688,677,292	3,160,638,382	-13.28%
Other Assets	4,107,195,232	4,468,865,203	6,164,312,192	8,796,216,478	-8.09%
Total Assets	387,119,586,168	364,159,531,680	433,612,384,646	358,276,772,381	+6.30%
Liabilities
Borrowings & Funding
Borrowings	20,645,247,896	18,650,235,432	12,913,643,809	14,878,022,847	+10.70%
Borrowing	0.00	0.00	0.00	0.00	-
Debt Securities Issued	10,905,257,773	10,740,465,658	10,732,277,965	10,728,862,536	+1.53%
Subordinated Liabilities	0.00	0.00	0.00	0.00	-
Interbank & NRB
Due to B/FIs	9,739,990,123	7,909,769,774	2,181,365,844	3,489,240,311	+23.14%
Due to NRB	0.00	0.00	0.00	659920000.00	-
Deposits	327,501,412,351	308,347,347,373	381,263,295,548	305,857,732,747	+6.21%
Other Liabilities
Derivative Financial Instruments	5,666,178,679	3,636,589,099	3,598,960,254	1,822,800,000	+55.81%
Provisions	0.00	0.00	0.00	0.00	-
Current Tax Liabilities	0.00	0.00	0.00	455358579.00	-
Deferred Tax Liabilities	0.00	236049696.00	229434173.00	303175149.00	-100.00%
Other Liabilities	3,720,540,112	3,614,552,316	5,011,146,076	6,746,471,596	+2.93%
Other Liabilities & Provisions	9,386,718,791	7,487,191,111	8,839,540,503	9,327,805,324	+25.37%
Total Liabilities	357,533,379,038	334,484,773,916	403,016,479,860	330,063,560,918	+6.89%
Shareholders Equity
Paid Up Capital	14,917,566,922	14,917,566,922	14,917,566,922	11,564,005,366	0.00%
Share Premium	0.00	0.00	0.00	0.00	-
Reserves & Surpluses
Reserves	22,068,176,546	17,412,963,707	16,270,605,657	12,896,750,435	+26.73%
Reserves & Surpluses	14,668,640,209	14,757,190,842	15,678,337,866	16,649,206,097	-0.60%
Retained Earnings	-7,399,536,337	-2,655,772,865	-592,267,791	3,752,455,662	-178.62%
Non-Controlling Interest	0.00	0.00	0.00	0.00	-
Total Equity	29,586,207,131	29,674,757,764	30,595,904,788	28,213,211,463	-0.30%
Total Liabilities & Equity	387,119,586,169	364,159,531,680	433,612,384,648	358,276,772,381	+6.30%

Sector Peers — Banking (26)

Peer Comparison

Banking 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)%
ADBL	310.7	+0.71	+0.23%	0.04	0.06	190.14	64.33%	9.89	19.78	290.9	3.89%	4.08%	4.65%	6.76%	3.13	30.13	0	29.98	14.99	11.25	0.38%	1.09%	3.86%	10.65%
BOKL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CCBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CZBIL	203	-2.8	-1.36%	0.03	0.07	149.79	82.66%	4.63	6.39	146.75	3.69%	3.72%	6.86%	4.64%	2.62	42.33	0	40.63	29.44	7.87	0.3%	0.41%	3.14%	4.35%
EBL	704.2	-1.76	-0.25%	0.1	0.06	235.04	80.19%	30.86	36.15	437.24	3.24%	3.7%	0.68%	20.8%	5.62	21.42	0	21.57	18.41	17.82	1.22%	1.43%	13.76%	16.13%
GBIME	234.5	+1.49	+0.64%	0.09	0.06	175.29	71.55%	17.06	16.8	257.41	3.43%	3.56%	4.91%	16.19%	2.59	13.3	2.02	13.08	13.29	8.61	0.92%	0.92%	9.88%	9.74%
HBL	203.7	-0.2	-0.1%	0.05	0.06	174.23	74.89%	11.45	5.7	149.48	3.07%	3.82%	7.96%	10.94%	2.18	16.59	0	16.47	33.09	7.26	0.66%	0.33%	6.66%	3.32%
KBL	219.5	+1.5	+0.69%	0.06	0.07	151.16	76.4%	20.74	17.39	243.2	3.27%	4.84%	6.92%	17.92%	2.37	8.64	0.01	8.82	10.52	6.19	1.22%	1.02%	14.56%	12.21%
LBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
LSL	216.2	-2.69	-1.23%	0.06	0.06	166.23	77.44%	-2.04	10.01	193.49	3.54%	3.52%	5.5%	-2.13%	2.59	-105.39	0	-101.18	20.62	8.98	-0.12%	0.61%	-1.26%	6.19%
MBL	249.5	0	0%	0.03	0.06	161.63	77.99%	16.73	18.33	258.19	3.83%	3.66%	4.25%	14.75%	2.82	13.63	0.66	13.51	12.33	8.04	0.92%	1.01%	10.78%	11.82%
MEGA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NABIL	527	0	0%	0.14	0.06	214.49	78.12%	29.69	26.96	360.71	3.54%	3.58%	0.88%	24.78%	4.55	16.44	0.7	16.74	18.43	16.3	1.48%	1.34%	14.86%	13.5%
NBB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NBL	266	+1.01	+0.38%	0.04	0.05	262.43	67.48%	17.76	31.42	430.73	3.8%	3.72%	5.34%	12.57%	1.84	13.57	0.07	13.55	7.66	6.82	0.66%	1.17%	6.76%	11.98%
NCCB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NIMB	199.1	-2.91	-1.44%	0.07	0.06	194.77	69.63%	9.45	16.22	266.61	3.04%	3.72%	7.9%	9.99%	1.97	20.32	0	19.79	11.53	8.12	0.56%	0.97%	4.96%	8.54%
NMB	244.1	-0.1	-0.04%	0.05	0.06	169.36	85.09%	17.1	15.18	240.51	3.78%	3.8%	4.56%	15.47%	2.82	13.98	0	13.74	15.48	8.65	0.96%	0.85%	10.34%	9.18%
PCBL	238	-0.41	-0.17%	0.05	0.07	165.8	82.86%	19.5	20.03	273.35	3.79%	4.12%	6.38%	18.21%	2.89	12.3	10.41	11.87	11.56	8.96	1.32%	1.37%	12.32%	12.66%
PRVU	199	-1.4	-0.7%	0.05	0.06	146.17	70.91%	8.62	21.75	267.45	3.8%	4.24%	7.94%	8.65%	2.51	21.29	0	21.11	8.37	7.37	0.52%	1.31%	5.92%	14.95%
SANIMA	362.5	+0.51	+0.14%	0.05	0.07	172.39	79.42%	20.48	20.39	281.23	3.32%	3.56%	1.33%	16.43%	3.89	16.36	0.98	16.24	16.31	10.75	1.06%	1.07%	12.4%	12.36%
SBI	394.9	-5.12	-1.28%	0.04	0.06	193.1	68.68%	18.93	17.74	277.63	3.54%	3.44%	2.64%	14.18%	4.19	21.39	2.06	21.39	22.83	12.14	0.86%	0.8%	10.12%	9.5%
SBL	393.5	-2.02	-0.51%	0.06	0.06	211.23	79.05%	17.93	28.33	366.94	3.9%	3.68%	3.45%	12.71%	3.65	21.48	0.15	20.8	13.17	10.92	0.8%	1.27%	8.94%	14.15%
SCB	645.9	-1.1	-0.17%	0.06	0.05	210.97	59.77%	27.35	27.5	361.3	3.35%	4.72%	1.88%	36.84%	6	23.15	0	23.43	23.3	34.12	1.7%	1.72%	13.2%	13.28%
SRBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	322.85	-0.85	-0.29%	0.06	0.061	185.79	74.8%	16.45	19.78	283.51	3.55%	3.86%	4.67%	14.43%	3.235	12.274	0.948	12.308	16.741	11.121	0.86%	1.04%	8.96%	10.81%
MED	246.8	-0.3	-0.14%	0.05	0.06	174.76	76.92%	17.43	19.06	270.4	3.54%	3.72%	4.78%	14.47%	2.82	16.515	0.005	16.605	15.235	8.805	0.89%	1.05%	10%	11.9%
MAX	704.2	1.5	0.69%	0.14	0.07	262.43	85.09%	30.86	36.15	437.24	3.9%	4.84%	7.96%	36.84%	6	42.33	10.41	40.63	33.09	34.12	1.7%	1.72%	14.86%	16.13%
MIN	199	-5.12	-1.44%	0.03	0.05	146.17	59.77%	-2.04	5.7	146.75	3.04%	3.44%	0.68%	-2.13%	1.84	-105.39	0	-101.18	7.66	6.19	-0.12%	0.33%	-1.26%	3.32%