Sanima Bank Limited

BankingMid Cap

NPR 352.30

NPR +0.5+0.14%

09:14 AM NPT · Jun 26, 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

359.00

High

359.00

Low

351.70

Prev Close

351.80

Volume

30,855

Turnover

Rs 10,868,410.8

Txns

Valuation · Q3 FY25/26

EPS Ann.

20.11

EPS TTM

20.98

BVPS

169.34

P/E Ann.

17.52

P/E TTM

16.79

Graham #

276.81

Capital

Mkt Cap

47.85 Arab

Total

13.58 Crore

Public

6.65 Crore

Promoter

6.93 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Strong Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

ADX

29.26

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

360.51

SMA 50

359.06

Bands & Channels

BB Width %

5.89%

Volume & Flow

OBV

7,613,083

Flow Analysis

[ Live 2026-06-26 ]

Total Buy

291,594

Shares Bought

Total Sell

291,594

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 53%

Distribution 47%

Accumulators

Quantity

146,182

Amount

51,452,322

Avg Rate

351.97

Rank

Brokers

#44#65#6#77#14

Distributors

Quantity

127,513

Amount

44,994,697

Avg Rate

352.86

Rank

Brokers

#50#33#32

Net Flow Impact:

+18,669units

(Rs. 6,457,625)

Net Flow by Timeframe

SANIMA — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 431,398 ]

Buy Side

Total: 210,409

Broker

QTY

AVG

NET

61,339

352.78

+53,757

21.0%

41,074

350.40

+40,774

14.1%

18,137

351.64

+15,327

6.2%

14,057

354.49

+10,057

4.8%

11,575

350.77

+11,575

4.0%

9,884

354.12

+9,484

3.4%

9,314

352.74

+448

3.2%

7,709

355.92

+7,709

2.6%

7,532

354.00

+7,431

2.6%

7,050

357.80

+6,995

2.4%

5,716

354.62

+2,714

2.0%

5,477

349.75

+477

1.9%

4,819

354.25

+364

1.6%

3,395

355.50

+3,175

1.2%

3,331

352.03

+2,022

1.1%

Sell Side

Total: 220,989

Broker

QTY

AVG

NET

50,155

352.62

-49,765

17.2%

45,540

355.07

-44,354

15.6%

31,818

350.08

-26,032

10.9%

13,934

350.67

-9,784

4.8%

12,705

350.64

-9,503

4.4%

10,500

356.87

-8,740

3.6%

9,000

355.52

-8,672

3.1%

8,809

350.44

-8,580

3.0%

6,980

352.14

-5,020

2.4%

5,796

353.85

-2,792

2.0%

5,710

355.80

-4,370

2.0%

5,524

350.15

-3,248

1.9%

5,434

351.26

-3,435

1.9%

5,086

353.94

-811

1.7%

3,998

354.73

-1,390

1.4%

Financial Fundamentals

Financial Metric	FY25/26 Q3	FY24/25 Q3	FY23/24 Q3	FY22/23 Q3	Growth %
Assets
Cash & Liquidity
Cash & Cash Equivalent	16,968,701	19,187,967	4,151,180	0	-11.57%
Money at Call & Short Notice	17,360,749	15,371,939	13,628,294	0	+12.94%
Due from NRB	15,944,082	14,566,789	12,685,133	0	+9.46%
Placement with B/FIs	1,416,667	805,151	943,160	0	+75.95%
Loans & Advances
Loans and Advances	198,595,703	179,809,358	165,678,434	0	+10.45%
Breakdown
Loans & Advances to B/FIs	7,819,076	6,712,707	5,298,999	0	+16.48%
Loans & Advances to Customers	190,776,627	173,096,650	160,379,434	0	+10.21%
Investments
Investment Securities	34,184,554	30,714,064	38,632,419	0	+11.30%
Investment in Subsidiaries	450,000	450,000	450,000	0	0.00%
Investment in Associates	0.00	0.00	0.00	0	-
Investment Property	1,107,168	853,624	401,823	0	+29.70%
Other Assets
Derivative Financial Instruments	29,258	36,141	0	0	-19.04%
Other Trading Assets	589,459	373,030	183,987	0	+58.02%
Current Tax Assets	16,813	278,517	316,620	0	-93.96%
Deferred Tax Assets	151,319	193,118	189,525	0	-21.64%
Goodwill and Intangible Assets	174,453	90,342	86,477	0	+93.10%
Property & Equipment	1,357,556	1,356,945	1,373,923	0	+0.04%
Other Assets	4,164,721	4,927,343	4,545,172	0	-15.48%
Total Assets	274,189,150	252,671,241	228,861,243	0	+8.52%
Liabilities
Borrowings & Funding
Borrowings	10,135,655	13,774,684	19,100,210	0	-26.42%
Borrowing	0.00	2615350.00	1600800.00	0	-100.00%
Debt Securities Issued	9,384,254	9,380,404	9,376,554	0	+0.04%
Subordinated Liabilities	0.00	0.00	0.00	0	-
Interbank & NRB
Due to B/FIs	751,402	1,778,931	8,122,857	0	-57.76%
Due to NRB	0.00	0.00	0.00	0	-
Deposits	233,869,125	213,778,954	186,962,077	0	+9.40%
Other Liabilities
Derivative Financial Instruments	29,258	36,141	0	0	-19.04%
Provisions	52,619	36,560	46,148	0	+43.93%
Current Tax Liabilities	0.00	0.00	0.00	0	-
Deferred Tax Liabilities	0.00	0.00	0.00	0	-
Other Liabilities	3,745,505	3,171,309	2,734,477	0	+18.11%
Other Liabilities & Provisions	3,798,123	3,207,869	2,801,775	0	+18.40%
Total Liabilities	247,802,904	230,761,507	208,864,063	0	+7.38%
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	8,663,193	6,129,646	5,658,832	0	+41.33%
Reserves & Surpluses	10,804,721	8,328,209	6,415,655	0	+29.74%
Retained Earnings	2,141,528	2,198,563	756,823	0	-2.59%
Non-Controlling Interest	0.00	0.00	0.00	0	-
Total Equity	26,386,247	21,909,734	19,997,180	0	+20.43%
Total Liabilities & Equity	274,189,150	252,671,241	228,861,243	0	+8.52%

Sector Peers — Banking (26)

Peer Comparison

Banking SECTOR — NEPAL

2025/2026 Q3

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	305	-1.01	-0.33%	0.04	0.06	194.58	65.44%	9.41	9.42	18.77	286.66	3.47	3.85	9.02	5.06%	2.16	33.47	-	16.89	5.37	0.49	1%	4.95	9.86%
BOKL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CCBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CZBIL	198	+2.91	+1.49%	0.03	0.06	155.99	82.18%	9.28	11.23	10.56	192.52	3.55	3.64	11.58	6.82%	1.8	18.72	0.61	19.18	3.86	0.71	0.67%	7.44	7%
EBL	700	+0.98	+0.14%	0.1	0.06	244.21	85.88%	10.3	32.35	34.91	437.97	3.12	3.47	22.17	0.61%	3.81	21.58	-	20.32	8.5	1.25	1.36%	13.87	14.97%
GBIME	236.7	-3.31	-1.38%	0.09	0.06	178.53	71.13%	10.39	15.4	15.93	252.96	3.3	3.47	14.76	4.97%	1.78	15.45	-	14.95	4.06	0.81	0.85%	8.75	9.05%
HBL	193	-1.89	-0.97%	0.04	0.06	171.96	75.01%	9.48	4.5	7.86	174.39	2.84	3.75	4.41	7.98%	1.62	46.33	0.97	25.57	3.63	0.25	0.45%	2.67	4.67%
KBL	208	0	0%	0.06	0.06	158.53	77.14%	10.41	21.24	22.91	285.86	3.13	4.31	19.36	6.94%	1.93	10.78	0.01	9.4	3.71	1.23	1.33%	14.49	15.64%
LBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
LSL	216.3	-1.7	-0.78%	0.06	0.06	175.08	77.04%	9.46	10.15	16.81	257.33	3.4	3.36	10.77	5.29%	1.64	21.23	1.79	13.16	4.07	0.59	0.99%	6.05	10.03%
MBL	243	-0.51	-0.21%	0.03	0.06	154.52	77.67%	9.69	14.66	17.02	243.26	3.53	3.52	16.36	4.01%	2.17	17.19	1.07	14.67	5	0.96	1.12%	10.65	12.38%
MEGA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NABIL	525	+3.08	+0.59%	0.14	0.06	220.95	79.5%	9.14	28.14	27.58	370.28	3.31	3.57	23.78	0.98%	3.2	18.83	1.46	19.4	7.96	1.35	1.32%	13.65	13.38%
NBB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NBL	263	-0.4	-0.15%	0.04	0.05	272.79	66.07%	10.25	25.34	25.74	397.47	3.7	3.93	17.24	4.96%	1.36	10.97	33.06	10.41	3.36	0.89	0.91%	9.49	9.64%
NCCB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NICA	331.9	+0.89	+0.27%	0.05	0.06	172.97	65.39%	13.97	1.25	0.97	61.44	3.4	4	0.8	0.49%	2.85	296	-	356.7	4.21	0.04	0.03%	0.67	0.52%
NIMB	191.8	-0.19	-0.1%	0.07	0.05	199.72	68.37%	8.04	12.29	15.72	265.78	2.79	3.73	13.26	8.41%	1.41	17.14	-	12.55	4.04	0.71	0.92%	6.29	8.05%
NMB	237.9	-0.19	-0.08%	0.05	0.06	165.59	84.68%	9.17	16.08	16.14	245.22	3.5	3.84	16.81	4.95%	2	15.45	-	15.07	4.62	0.99	0.99%	10.47	10.5%
PCBL	233	0	0%	0.05	0.07	171.28	83.12%	8.07	19.66	23.31	299.72	3.79	3.95	18.95	6.39%	1.91	12.49	0.43	10.3	4.21	1.31	1.56%	12.13	14.4%
PRVU	190	+0.09	+0.05%	0.05	0.06	146.26	70.61%	10.67	4.82	18.77	248.53	3.44	4.19	5.06	8.84%	1.91	43.36	-	10.5	3.9	0.28	1.12%	3.28	12.78%
SBI	393.9	+3.09	+0.79%	0.04	0.06	189.57	68.57%	10.86	17.19	18.18	278.47	3.31	3.41	13.52	2.53%	2.85	23.56	1.38	21.95	5.66	0.81	0.86%	9.4	9.94%
SBL	388	-1.79	-0.46%	0.06	0.06	194.39	77.92%	9.31	14.68	20.45	299.07	3.71	3.64	13.03	3.71%	2.69	26.7	-	19.61	6.19	0.79	1.1%	8.28	11.54%
SCB	641.8	+0.32	+0.05%	0.07	0.04	218.59	52.95%	6.99	27.64	29.25	379.29	3.67	5.03	37.87	1.81%	3.97	23.55	-	22.46	15.86	1.69	1.8%	12.93	13.69%
SRBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	316.46	0.02	-0.06%	0.06	0.058	188.08	73.82%	9.72	15.89	18.94	276.46	3.39	3.81	14.93	4.71%	2.281	37.38	4.531	35.172	5.456	0.84	1.02%	8.64	10.45%
MED	240.45	-0.1	-0.04%	0.05	0.06	176.81	76.03%	9.47	15.04	18.48	272.13	3.42	3.74	14.14	4.97%	1.965	20.03	1.07	15.98	4.21	0.81	1%	9.08	10.27%
MAX	700	3.09	1.49%	0.14	0.07	272.79	85.88%	13.97	32.35	34.91	437.97	3.79	5.03	37.87	8.84%	3.97	296	33.06	356.7	15.86	1.69	1.8%	14.49	15.64%
MIN	190	-3.31	-1.38%	0.03	0.04	146.26	52.95%	6.99	1.25	0.97	61.44	2.79	3.36	0.8	0.49%	1.36	10.78	0.01	9.4	3.36	0.04	0.03%	0.67	0.52%