NIC Asia Bank Ltd.

BankingLow Cap

NPR 348.00

NPR -2.1-0.60%

09:14 AM NPT · Nov 6, 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

340.00

High

354.80

Low

340.00

Prev Close

350.10

Volume

85,082

Turnover

Rs 29,702,154

Txns

0

Valuation · Q4 FY25/26

EPS Ann.

1.22

EPS TTM

1.22

BVPS

172.32

P/E Ann.

285.25

P/E TTM

285.25

Graham #

68.78

Capital

Mkt Cap

47.87 Arab

Total

13.76 Crore

Public

6.74 Crore

Promoter

7.02 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Sell

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

64.73

ADX

37.24

Overall Score

83
Above Line

Technical Score

Moving Averages

SMA 20

326.44

SMA 50

318.88

Bands & Channels

BB Width %

19.11%

Volume & Flow

OBV

-2,621,987

Flow Analysis

[ Live 2026-11-06 ]

Total Buy

2,267,679

Shares Bought

Total Sell

2,267,679

Shares Sold

Net Flow

0

Net Accumulation

Active Brokers

87

Participating

ACCUM/DIST

Accumulation 62%

Distribution 38%

Accumulators

5

Quantity

605,233

Amount

212,527,129

Avg Rate

351.15

Rank

#3

Brokers

#58#56#39#6#67

Distributors

4

Quantity

367,717

Amount

128,662,851

Avg Rate

349.90

Rank

#6

Brokers

#42#45#81#51

Net Flow Impact:

+237,516units
(Rs. 83,864,278)

Net Flow by Timeframe

NICA — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 2,097,579 ]

Buy Side

Total: 1,139,769

Broker

QTY

AVG

NET

%

58

227,717

350.66

+82,805

10.0%

56

135,284

357.30

+67,575

6.0%

39

117,166

344.26

+51,501

5.2%

49

93,506

360.55

+17,461

4.1%

6

76,633

358.83

+49,292

3.4%

34

63,362

352.44

+7,850

2.8%

71

61,445

344.62

+19,439

2.7%

44

54,593

349.36

+856

2.4%

57

54,385

354.31

+23,740

2.4%

67

48,433

340.76

+40,224

2.1%

88

45,452

351.40

+35,582

2.0%

32

43,935

351.56

+26,418

1.9%

84

42,152

363.76

+28,353

1.9%

48

39,614

355.56

+22,066

1.8%

41

36,092

361.10

+5,462

1.6%

Sell Side

Total: 957,810

Broker

QTY

AVG

NET

%

42

138,713

352.42

-90,547

6.1%

45

127,101

348.89

-75,694

5.6%

35

92,135

361.92

-11,620

4.1%

50

68,482

351.40

-32,757

3.0%

14

62,572

347.09

-27,522

2.8%

28

58,045

342.94

-8,049

2.6%

17

56,722

346.07

-9,670

2.5%

38

55,383

353.80

-10,278

2.4%

81

51,197

345.86

-46,306

2.3%

51

50,706

349.58

-39,834

2.2%

16

43,402

353.21

-22,947

1.9%

43

39,474

357.97

-25,106

1.7%

92

39,225

364.20

-23,037

1.7%

40

37,970

360.74

-29,520

1.7%

47

36,683

360.04

-21,377

1.6%

Financial Fundamentals

Financial MetricFY25/26 Q4FY24/25 Q4FY23/24 Q4FY22/23 Q4Growth %
Assets
Cash & Liquidity
Cash & Cash Equivalent13,125,80317,128,00630,956,4300-23.37%
Money at Call & Short Notice90,974,25359,224,51416,749,1690+53.61%
Due from NRB90,974,25359,224,51416,749,1690+53.61%
Placement with B/FIs0.000.000.000-
Loans & Advances
Loans and Advances200,862,816234,021,064283,262,9600-14.17%
Breakdown
Loans & Advances to B/FIs8,846,6409,899,20811,163,6180-10.63%
Loans & Advances to Customers192,016,176224,121,856272,099,3430-14.33%
Investments
Investment Securities66,539,48147,488,61858,895,0830+40.12%
Investment in Subsidiaries1,184,5001,184,5001,194,50000.00%
Investment in Associates0.000.000.000-
Investment Property4,124,2014,639,8444,361,6670-11.11%
Other Assets
Derivative Financial Instruments4,538,9024,973,0483,753,0250-8.73%
Other Trading Assets0.000.002800.000-
Current Tax Assets557,22683,509328,3820+567.27%
Deferred Tax Assets3,589,378715,90700+401.37%
Goodwill and Intangible Assets140,356156,283180,7670-10.19%
Property & Equipment3,933,0934,471,5335,247,1940-12.04%
Other Assets13,134,79110,606,16310,556,9000+23.84%
Total Assets393,878,939378,764,242411,223,9040+3.99%
Liabilities
Borrowings & Funding
Borrowings16,952,13620,127,12318,662,9460-15.77%
Borrowing0.000.000.000-
Debt Securities Issued10,907,34112,733,17410,737,3290-14.34%
Subordinated Liabilities0.000.000.000-
Interbank & NRB
Due to B/FIs6,044,7947,393,9497,925,6170-18.25%
Due to NRB0.000.000.000-
Deposits343,679,056319,065,897354,511,8460+7.71%
Other Liabilities
Derivative Financial Instruments4,538,9024,973,0483,753,0250-8.73%
Provisions0.000.000.000-
Current Tax Liabilities0.000.000.000-
Deferred Tax Liabilities0.000.00235631.660-
Other Liabilities2,982,4665,074,2163,897,7500-41.22%
Other Liabilities & Provisions7,542,20210,049,4647,880,0950-24.95%
Total Liabilities368,173,393349,242,484381,054,8870+5.42%
Shareholders Equity
Paid Up Capital14,917,56714,917,56714,917,56700.00%
Share Premium0.000.000.000-
Reserves & Surpluses
Reserves25,653,00219,816,01317,555,5100+29.46%
Reserves & Surpluses10,787,97914,604,19115,251,4500-26.13%
Retained Earnings-14,865,023-5,211,822-2,304,0590-185.22%
Non-Controlling Interest0.000.000.000-
Total Equity25,705,54629,521,75830,169,0170-12.93%
Total Liabilities & Equity393,878,939378,764,242411,223,9040+3.99%

Sector Peers — Banking (26)

Peer Comparison

Banking SECTOR — NEPAL

2025/2026 Q4

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)PEGP/E (TTM)P/SROA (Annualized)ROA (TTM)%ROE (Annualized)ROE (TTM)%

ADBL

337.4+1.51+0.45%0.050.05197.1166.78%9.816.1113.33243.143.663.6612.544.07%1.5719.18-23.562.910.670.67%6.736.73%

BOKL

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

CBL

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

CCBL

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

CZBIL

219-0.99-0.45%0.040.06160.5175.72%9.7913.5313.53221.053.483.6713.975.88%1.2314.550.2915.742.030.810.81%8.778.77%

EBL

712-0.5-0.07%0.10.05256.4777.57%9.936.9536.95461.763.053.7125.220.49%2.7118.81-18.974.741.351.35%15.0815.08%

GBIME

266+0.8+0.3%0.10.05183.1468.43%10.7616.3416.34259.483.293.5415.454.96%1.3114.6943.1615.972.270.820.82%9.059.05%

HBL

200.9-0.91-0.45%0.050.06177.4872.74%9.436.566.56161.852.833.676.57.96%1.129.65-30.181.930.370.37%3.793.79%

KBL

230-0.99-0.43%0.060.06170.877.14%9.9528.1728.17329.023.114.2125.957.46%1.237.450.038.061.941.581.58%17.9917.99%

LBL

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

LSL

274.9+6.89+2.57%0.070.06177.0274.77%9.811.6411.64215.323.223.6611.85.23%1.2218.48-21.172.180.650.65%6.716.71%

MBL

266-4-1.48%0.030.06156.0178.45%9.8914.0114.01221.763.483.5515.43.98%1.5917.7-18.622.730.890.89%9.939.93%

MEGA

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

NABIL

549-0.99-0.18%0.160.06224.3180.18%9.2224.6624.66352.793.183.5620.824.2%2.3821.69-22.834.521.151.15%11.6511.65%

NBB

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

NBL

30600%0.040.05287.762.85%10.4630.6330.63445.283.543.9220.494.18%0.918.540.59.681.751.011.01%11.1811.18%

NCCB

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

NIMB

205.1-2.7-1.3%0.070.05197.7168.17%8.098.058.05189.243.153.848.738.66%0.9623.6-24.322.060.460.46%4.074.07%

NMB

273.6-0.3-0.11%0.050.06170.7982.77%9.4418.0118.01263.073.433.619.074.91%1.413.318.3614.322.541.071.07%11.3611.36%

PCBL

271.4+2.39+0.89%0.060.07175.883.36%8.1219.6319.63278.653.663.8819.026.69%1.3612.22-13.192.331.251.25%11.6511.65%

PRVU

187.6+0.6+0.32%0.050.05140.9267.86%11.42-1.02-1.02-3.284.18-1.0915.55%1.35-185.88--185.392.03-0.05-0.05%-0.67-0.67%

SANIMA

40000%0.050.06177.0780.77%9.5522.7822.78301.263.393.4221.381.02%1.9815.360.816.243.281.281.28%14.0514.05%

SBI

438+4.08+0.94%0.050.06194.7371.16%10.2518.0418.04281.143.213.5114.112.92%2.0221.782.4822.533.080.840.84%9.599.59%

SBL

436.5+2.82+0.65%0.070.06201.8173.63%9.5619.2419.24295.573.693.7316.711.06%1.9620.53-23.283.430.960.96%10.3610.36%

SCB

671.6-0.4-0.06%0.070.04225.7747.24%6.9428.3828.38379.693.775.6238.392.03%2.9523.47-23.159.011.71.7%12.8212.82%

SRBL

------------------------
AVG346.940.410.09%0.070.056193.0672.76%9.5818.4318.27288.243.363.8316.915.07%1.6246.49.3747.5793.0420.930.93%9.679.67%
MED274.25-0.15-0.03%0.060.06180.3174.2%9.818.0318.03278.653.343.6716.084.56%1.3818.090.818.7952.4350.930.93%10.1510.15%
MAX7126.892.57%0.160.07287.783.36%11.4236.9536.95461.763.775.6238.3915.55%2.9529.6543.1630.189.011.71.7%17.9917.99%
MIN187.6-4-1.48%0.030.04140.9247.24%6.94-1.02-1.02161.852.833.42-1.090.49%0.91-185.880.03-185.391.75-0.05-0.05%-0.67-0.67%

26

securities loaded

Best in class

Laggard

AVG

Average

MED

Median

MAX

Maximum

MIN

Minimum