Sanima Bank Limited

BankingMid Cap

NPR 362.50

NPR +0.5+0.14%

09:14 AM NPT · May 13, 2026

Est. December 6, 2004 · Kathmandu, Nepal · CEO: Nischal Raj Pandey

Sanima Bank Limited is a prominent national-level “A” class commercial bank in Nepal, licensed by the Nepal Rastra Bank (NRB). Established with the vision of providing reliable, modern, and customer-focused banking services, Sanima Bank has grown into one of Nepal’s most trusted financial institutions, supported by a strong shareholder base that includes prominent Non-Resident Nepalis (NRNs). Headquartered in Naxal, Kathmandu, the bank offers a full suite of retail, SME, and corporate banking solutions including savings and deposit accounts, home and business loans, SME financing, trade finance, digital banking, remittance services, investment products, treasury solutions, and international banking services. Sanima Bank is widely recognized for its strong risk management practices, technological innovation, and commitment to ethical banking. Through its nationwide network of branches, ATMs, extension counters, and modern digital platforms like Sanima Sajilo eBanking and Sanima Mobile Banking, the bank ensures convenient, secure, and accessible financial services for individuals and businesses across Nepal. Sanima Bank continues to prioritize customer satisfaction, operational excellence, and sustainable economic development as it expands its footprint and strengthens its position as a leading commercial bank in Nepal.

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Trading

Open

362.00

High

364.80

Low

356.00

Prev Close

362.00

Volume

60,105

Turnover

Rs 21,605,885.7

Txns

214

Valuation · Q2 FY25/26

EPS Ann.

20.48

EPS TTM

20.39

BVPS

172.39

P/E Ann.

17.70

P/E TTM

17.78

Graham #

281.85

Capital

Mkt Cap

49.23 Arab

Total

13.58 Crore

Public

6.65 Crore

Promoter

6.93 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Sell

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

67.3

ADX

25.11

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

352.53

SMA 50

352.46

Bands & Channels

BB Width %

6.71%

Volume & Flow

OBV

7,613,405

Flow Analysis

[ Live 2026-05-13 ]

Total Buy

292,606

Shares Bought

Total Sell

292,606

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 59%

Distribution 41%

Accumulators

Quantity

109,270

Amount

39,458,261

Avg Rate

361.11

Rank

Brokers

#4#66#16#20

Distributors

Quantity

75,626

Amount

27,229,905

Avg Rate

360.06

Rank

Brokers

#38#67#76#17#26

Net Flow Impact:

+33,644units

(Rs. 12,228,356)

Net Flow by Timeframe

SANIMA — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 353,548 ]

Buy Side

Total: 201,589

Broker

QTY

AVG

NET

41,159

361.30

+27,707

14.1%

26,867

361.36

+25,917

9.2%

24,160

360.89

+18,582

8.3%

19,368

362.62

+13,168

6.6%

17,084

360.55

+17,083

5.8%

14,124

361.89

+1,756

4.8%

11,937

358.58

+11,937

4.1%

8,569

360.25

+637

2.9%

8,070

359.63

+74

2.8%

6,750

361.07

+2,255

2.3%

6,635

362.35

+6,635

2.3%

5,998

356.61

+3,713

2.0%

4,176

356.37

+1,009

1.4%

3,520

365.21

+758

1.2%

3,172

362.51

+522

1.1%

Sell Side

Total: 151,959

Broker

QTY

AVG

NET

30,104

361.15

-28,606

10.3%

14,097

360.54

-9,327

4.8%

13,407

361.79

-1,550

4.6%

11,808

359.92

-3,956

4.0%

11,240

358.02

-10,536

3.8%

10,506

358.21

-10,468

3.6%

9,679

360.33

-7,654

3.3%

7,930

360.21

-7,500

2.7%

7,681

359.82

-7,279

2.6%

6,498

362.23

-2,549

2.2%

6,270

362.79

-1,789

2.1%

6,264

361.56

-3,371

2.1%

5,727

359.23

-3,231

2.0%

5,381

361.16

-3,931

1.8%

5,367

360.98

-3,569

1.8%

Financial Fundamentals

Financial Metric	FY25/26 Q2	FY24/25 Q2	FY23/24 Q2	FY22/23 Q2	Growth %
Assets
Cash & Liquidity
Cash & Cash Equivalent	10,972,976,103	4,626,203,932	4,539,115,056	5,128,868,876	+137.19%
Money at Call & Short Notice	24,143,479,994	21,650,616,364	14,005,556,565	5,822,567,814	+11.51%
Due from NRB	23,579,328,817	20,676,579,644	13,380,885,814	5,559,373,514	+14.04%
Placement with B/FIs	564,151,177	974,036,720	624,670,751	263,194,300	-42.08%
Loans & Advances
Loans and Advances	191,782,761,765	172,939,131,162	156,849,815,632	148,364,900,728	+10.90%
Breakdown
Loans & Advances to B/FIs	7,920,531,966	6,235,944,442	5,278,402,182	4,630,968,356	+27.01%
Loans & Advances to Customers	183,862,229,799	166,703,186,720	151,571,413,450	143,733,932,372	+10.29%
Investments
Investment Securities	36,172,051,796	38,700,185,148	41,415,391,378	31,366,981,536	-6.53%
Investment in Subsidiaries	450,000,000	450,000,000	450,000,000	450,000,000	0.00%
Investment in Associates	0.00	0.00	0.00	0.00	-
Investment Property	1,018,473,368	731,182,356	235,418,285	72,932,294	+39.29%
Other Assets
Derivative Financial Instruments	16,891,680	34,978,444	0	97,833,864	-51.71%
Other Trading Assets	550,958,206	360,287,910	348,410,942	588,543,625	+52.92%
Current Tax Assets	0.00	71854502.00	83189502.00	0.00	-100.00%
Deferred Tax Assets	163,373,152	204,833,896	189,569,211	154,200,879	-20.24%
Goodwill and Intangible Assets	109,078,256	70,281,026	94,198,758	61,176,640	+55.20%
Property & Equipment	1,316,543,213	1,373,833,294	1,367,828,784	1,400,573,218	-4.17%
Other Assets	3,703,317,666	4,859,052,312	3,788,076,500	2,792,015,315	-23.79%
Total Assets	270,383,013,519	246,037,461,902	223,368,136,961	196,202,760,926	+9.90%
Liabilities
Borrowings & Funding
Borrowings	12,413,967,624	13,795,453,126	17,175,662,950	15,608,909,640	-10.01%
Borrowing	2,163,000,000	1,104,800,000	2,123,200,000	3,906,000,000	+95.78%
Debt Securities Issued	9,383,291,000	9,379,441,000	9,375,591,000	9,371,741,000	+0.04%
Subordinated Liabilities	0.00	0.00	0.00	0.00	-
Interbank & NRB
Due to B/FIs	867,676,624	3,311,212,126	5,616,217,790	2,121,889,366	-73.80%
Due to NRB	0.00	0.00	60654160.00	209279274.00	-
Deposits	231,050,046,832	207,894,499,830	183,493,487,332	159,208,052,137	+11.14%
Other Liabilities
Derivative Financial Instruments	16,891,680	34,978,444	0	97,833,864	-51.71%
Provisions	55,103,919	38,309,702	52,983,802	59,299,019	+43.84%
Current Tax Liabilities	3,627,265	0	0	13,283,724	-
Deferred Tax Liabilities	0.00	0.00	0.00	0.00	-
Other Liabilities	3,429,993,616	2,874,599,183	2,949,753,028	3,170,867,921	+19.32%
Other Liabilities & Provisions	3,505,616,480	2,947,887,329	3,002,736,830	3,341,284,528	+18.92%
Total Liabilities	246,969,630,936	224,637,840,285	203,671,887,112	178,158,246,305	+9.94%
Shareholders Equity
Paid Up Capital	13,581,525,414	13,581,525,414	13,581,525,414	12,460,115,059	0.00%
Share Premium	0.00	0.00	0.00	0.00	-
Reserves & Surpluses
Reserves	8,221,600,386	6,018,456,281	5,463,264,176	4,620,689,730	+36.61%
Reserves & Surpluses	9,831,857,169	7,818,096,201	6,114,724,434	5,584,399,562	+25.76%
Retained Earnings	1,610,256,783	1,799,639,920	651,460,258	963,709,832	-10.52%
Non-Controlling Interest	0.00	0.00	0.00	0.00	-
Total Equity	23,413,382,583	21,399,621,615	19,696,249,848	18,044,514,621	+9.41%
Total Liabilities & Equity	270,383,013,519	246,037,461,900	223,368,136,960	196,202,760,926	+9.90%

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	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NICA	354.9	-0.89	-0.25%	0.05	0.06	198.33	67.1%	1.76	0.95	65.11	3.85%	3.98%	7.47%	1.09%	3.41	192.05	0	183.52	340	8.38	0.06%	0.03%	0.88%	0.47%
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%
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	322.43	-0.93	-0.31%	0.06	0.061	187.23	74.12%	15.41	18.7	271.5	3.57%	3.88%	5.01%	13.58%	3.208	22.034	0.893	21.601	34.723	10.989	0.8%	0.98%	8.32%	10.15%
MED	246.8	-0.65	-0.17%	0.05	0.06	182.71	75.65%	17.08	18.03	267.03	3.62%	3.72%	5.13%	13.45%	2.82	18.455	0	18.265	15.235	8.63	0.83%	1.02%	9.41%	11.24%
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	192.05	10.41	183.52	340	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	0.95	65.11	3.04%	3.44%	0.68%	-2.13%	1.84	-105.39	0	-101.18	7.66	6.19	-0.12%	0.03%	-1.26%	0.47%