Sanima Bank Limited

BankingMid Cap

NPR 365.50

NPR +2+0.55%

09:14 AM NPT · May 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.

www.sanimabank.com/facebook X

Trading

Open

361.10

High

366.20

Low

361.00

Prev Close

363.50

Volume

100,417

Turnover

Rs 36,666,023.2

Txns

325

Valuation · Q2 FY25/26

EPS Ann.

20.48

EPS TTM

20.39

BVPS

172.39

P/E Ann.

17.85

P/E TTM

17.93

Graham #

281.85

Capital

Mkt Cap

49.64 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

Sell

Trend Analysis

Direction

Uptrend

Strength

Moderate

Momentum

RSI (14)

74.69

ADX

22.29

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

353.75

SMA 50

352.82

Bands & Channels

BB Width %

7.88%

Volume & Flow

OBV

7,786,471

Flow Analysis

[ Live 2026-05-15 ]

Total Buy

370,327

Shares Bought

Total Sell

370,327

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 52%

Distribution 48%

Accumulators

Quantity

123,745

Amount

44,996,249

Avg Rate

363.62

Rank

Brokers

#44#4#16#66

Distributors

Quantity

116,409

Amount

42,293,125

Avg Rate

363.31

Rank

Brokers

#11#43#38#40#67

Net Flow Impact:

+7,336units

(Rs. 2,703,124)

Net Flow by Timeframe

SANIMA — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 470,161 ]

Buy Side

Total: 275,033

Broker

QTY

AVG

NET

45,238

363.37

+23,873

12.2%

39,068

364.08

+35,086

10.6%

24,285

364.23

+13,188

6.6%

21,607

363.06

+16,529

5.8%

19,147

363.01

+13,109

5.2%

17,832

363.92

+16,082

4.8%

16,810

362.88

+2,200

4.5%

15,437

359.05

+15,437

4.2%

14,766

363.55

+14,466

4.0%

13,999

365.27

+13,949

3.8%

13,140

363.37

+3,692

3.5%

13,063

363.48

+986

3.5%

7,130

363.44

+3,113

1.9%

6,861

362.49

+2,168

1.9%

6,650

361.15

+3,301

1.8%

Sell Side

Total: 195,128

Broker

QTY

AVG

NET

34,346

363.49

-33,776

9.3%

30,695

364.10

-22,191

8.3%

25,736

363.60

-21,499

7.0%

14,307

364.81

-10,787

3.9%

11,707

360.92

-9,227

3.2%

11,325

358.14

-10,614

3.1%

10,923

363.22

-2,732

3.0%

8,935

363.31

-5,675

2.4%

8,304

364.34

-3,667

2.2%

7,600

363.47

-6,486

2.0%

7,440

364.00

-3,759

2.0%

7,106

362.81

-1,572

1.9%

5,900

361.46

-4,900

1.6%

5,455

364.54

-3,723

1.5%

5,349

365.09

-5,199

1.4%

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	310.2	+1.21	+0.39%	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	204.1	+0.2	+0.1%	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	703.9	+0.91	+0.13%	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	234.2	-0.8	-0.34%	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	203.9	+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	218	0	0%	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	219.9	0	0%	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	+0.99	+0.4%	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	266.8	+2.8	+1.06%	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	352	+0.11	+0.03%	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	198	+0.3	+0.15%	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	244.2	+0.2	+0.08%	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	239.5	+1.19	+0.5%	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	198.6	+0.59	+0.3%	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	396	0	0%	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	392.5	-0.51	-0.13%	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	649	+2.01	+0.31%	0.07	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	322.6	0.52	0.17%	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	246.6	0.2	0.1%	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	703.9	2.8	1.06%	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	198	-0.8	-0.34%	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%