Sanima Bank Limited

BankingMid Cap

NPR 375.00

NPR +2+0.54%

09:14 AM NPT · Sep 15, 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

390.00

High

390.00

Low

370.00

Prev Close

373.00

Volume

356,506

Turnover

Rs 133,555,278.5

Txns

Valuation · Q4 FY25/26

EPS Ann.

22.78

EPS TTM

22.78

BVPS

177.07

P/E Ann.

16.46

P/E TTM

16.46

Graham #

301.26

Capital

Mkt Cap

50.93 Arab

Total

13.58 Crore

Public

6.65 Crore

Promoter

6.93 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Buy

RSI

Neutral

SuperTrend

Sell

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

55.79

ADX

35.19

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

367.44

SMA 50

365.18

Bands & Channels

BB Width %

5.43%

Volume & Flow

OBV

8,200,163

Flow Analysis

[ Live 2026-09-15 ]

Total Buy

918,103

Shares Bought

Total Sell

918,103

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 47%

Distribution 53%

Accumulators

Quantity

360,194

Amount

133,215,372

Avg Rate

369.84

Rank

Brokers

#33#65#42#34

Distributors

Quantity

413,122

Amount

153,626,466

Avg Rate

371.87

Rank

Brokers

#4#39#41#40#91

Net Flow Impact:

-52,928units

(Rs. -20,411,094)

Net Flow by Timeframe

SANIMA — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 1,196,903 ]

Buy Side

Total: 626,015

Broker

QTY

AVG

NET

171,959

368.40

+139,203

18.7%

94,460

372.75

+30,365

10.3%

84,096

373.01

+81,193

9.2%

67,045

369.22

+47,675

7.3%

37,094

370.46

+34,025

4.0%

33,513

367.22

+32,846

3.6%

26,891

374.22

+2,126

2.9%

20,356

374.32

+14,795

2.2%

16,349

369.16

+957

1.8%

16,010

373.58

+15,624

1.7%

14,470

373.71

+5,580

1.6%

12,400

373.11

+7,671

1.4%

10,965

369.78

+10,965

1.2%

10,715

371.01

+6,234

1.2%

9,692

366.80

+174

1.1%

Sell Side

Total: 570,888

Broker

QTY

AVG

NET

215,660

372.61

-105,053

23.5%

101,563

372.62

-90,118

11.1%

45,759

370.52

-8,034

5.0%

45,175

369.54

-43,459

4.9%

25,837

371.40

-25,762

2.8%

24,887

367.07

-24,887

2.7%

22,224

372.84

-19,347

2.4%

15,751

374.40

-14,548

1.7%

13,367

368.76

-6,109

1.5%

12,097

369.77

-12,055

1.3%

10,668

371.54

-8,550

1.2%

10,523

372.86

-8,143

1.1%

9,174

371.49

-6,846

1.0%

9,128

372.56

-5,738

1.0%

9,075

370.88

-9,037

1.0%

Financial Fundamentals

Financial Metric	FY25/26 Q4	FY24/25 Q4	FY23/24 Q4	FY22/23 Q4	Growth %
Assets
Cash & Liquidity
Cash & Cash Equivalent	18,965,710	20,360,777	13,072,489	0	-6.85%
Money at Call & Short Notice	23,980,191	23,330,684	14,828,406	0	+2.78%
Due from NRB	17,425,283	19,875,524	14,237,363	0	-12.33%
Placement with B/FIs	6,554,908	3,455,160	591,043	0	+89.71%
Loans & Advances
Loans and Advances	203,989,992	183,454,631	165,019,070	0	+11.19%
Breakdown
Loans & Advances to B/FIs	8,105,261	7,014,125	5,527,766	0	+15.56%
Loans & Advances to Customers	195,884,731	176,440,506	159,491,305	0	+11.02%
Investments
Investment Securities	37,612,520	29,355,984	34,082,393	0	+28.13%
Investment in Subsidiaries	450,000	450,000	450,000	0	0.00%
Investment in Associates	0.00	0.00	0.00	0	-
Investment Property	1,179,630	951,499	674,002	0	+23.98%
Other Assets
Derivative Financial Instruments	0.00	0.00	0.00	0	-
Other Trading Assets	615,445	429,614	319,683	0	+43.26%
Current Tax Assets	0.00	170845.77	19425.15	0	-100.00%
Deferred Tax Assets	200,678	206,193	215,071	0	-2.67%
Goodwill and Intangible Assets	175,434	85,859	81,631	0	+104.33%
Property & Equipment	1,339,172	1,346,380	1,393,149	0	-0.54%
Other Assets	3,695,582	4,197,534	4,265,671	0	-11.96%
Total Assets	291,212,798	263,447,490	233,785,180	0	+10.54%
Liabilities
Borrowings & Funding
Borrowings	10,197,270	13,017,009	12,629,678	0	-21.66%
Borrowing	0.00	2063250.00	1070000.00	0	-100.00%
Debt Securities Issued	9,385,216	9,381,366	9,377,516	0	+0.04%
Subordinated Liabilities	0.00	0.00	0.00	0	-
Interbank & NRB
Due to B/FIs	812,054	1,572,393	2,182,162	0	-48.36%
Due to NRB	0.00	0.00	0.00	0	-
Deposits	249,118,017	223,954,679	197,197,071	0	+11.24%
Other Liabilities
Derivative Financial Instruments	0.00	0.00	0.00	0	-
Provisions	83,004	40,449	37,755	0	+105.21%
Current Tax Liabilities	148,635	0	0	0	-
Deferred Tax Liabilities	0.00	0.00	0.00	0	-
Other Liabilities	3,928,455	3,484,590	2,955,274	0	+12.74%
Other Liabilities & Provisions	4,307,255	3,546,421	2,994,917	0	+21.45%
Total Liabilities	263,622,543	240,518,109	212,821,666	0	+9.61%
Shareholders Equity
Paid Up Capital	15,581,525	13,581,525	13,581,525	0	+14.73%
Share Premium	0.00	0.00	0.00	0	-
Reserves & Surpluses
Reserves	9,124,515	6,567,135	5,969,676	0	+38.94%
Reserves & Surpluses	12,008,730	9,347,856	7,381,989	0	+28.47%
Retained Earnings	2,884,215	2,780,721	1,412,312	0	+3.72%
Non-Controlling Interest	0.00	0.00	0.00	0	-
Total Equity	27,590,256	22,929,381	20,963,514	0	+20.33%
Total Liabilities & Equity	291,212,798	263,447,490	233,785,180	0	+10.54%

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	308	+6.01	+1.99%	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	208.9	+6.91	+3.42%	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	732	+7.96	+1.1%	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	257.1	+4.1	+1.62%	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	195.1	+5.09	+2.68%	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	221.6	+4.71	+2.17%	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	236.3	+6.9	+3.01%	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	257.7	+6.99	+2.79%	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	560	+5.98	+1.08%	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	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NBL	288	+5.51	+1.95%	0.04	0.05	287.7	62.85%	10.46	30.63	30.63	445.28	3.54	3.92	20.49	4.18%	0.91	8.54	0.47	9.04	1.75	1.01	1.01%	11.18	11.18%
NCCB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NICA	329.9	+15.89	+5.06%	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	192	+3.89	+2.07%	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	252.6	+9.6	+3.95%	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	245	+3	+1.24%	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	189.6	+4.3	+2.32%	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%
SBI	409.9	+4.98	+1.23%	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	429.5	+7.51	+1.78%	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	653	+2.99	+0.46%	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	331.46	6.24	2.22%	0.06	0.056	192.8	71.66%	9.84	17.23	17.08	274.56	3.36	3.86	15.77	5.53%	1.619	20.35	11.566	20.604	2.978	0.86	0.86%	8.93	8.93%
MED	257.4	5.75	2.03%	0.05	0.06	180.31	73.19%	9.8	17.18	17.18	263.07	3.36	3.69	15.43	4.94%	1.38	18.65	2.46	19.425	2.3	0.87	0.87%	9.76	9.76%
MAX	732	15.89	5.06%	0.15	0.07	287.7	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	189.6	2.99	0.46%	0.03	0.04	140.92	47.24%	6.94	-1.02	-1.02	68.78	2.83	3.51	-1.09	0.49%	0.91	-185.88	0.03	-179.41	1.75	-0.05	-0.05%	-0.67	-0.67%