Nepal SBI Bank Limited

BankingLow Cap

NPR 405.00

NPR +4+1.00%

09:14 AM NPT · Aug 11, 2026

Est. July 17, 1992 · Kathmandu, Nepal · CEO: Ram Kumar Tiwari

Nepal SBI Bank Limited (NSBL) is one of Nepal’s leading “A” class commercial banks, established as a joint venture between the State Bank of India (SBI)—India’s largest commercial bank—and Nepal’s leading public and private sector institutions. Since its inception, the bank has been recognized for bringing international banking standards, modern financial technology, and strong corporate governance practices to the Nepali banking sector. Headquartered in Kathmandu, Nepal SBI Bank provides a full suite of retail, SME, and corporate banking services including savings and deposit products, home and business loans, SME financing, trade finance, treasury solutions, remittance services, digital/mobile banking, and international banking facilitated by SBI’s global network. The bank is known for its strong capital base, risk management framework, efficient service delivery, and customer-centric approach. Through its extensive branch network, ATMs, extension counters, and digital platforms, NSBL ensures secure, accessible, and innovative financial services nationwide. As a trusted financial institution backed by the strength of SBI’s global expertise, Nepal SBI Bank Limited continues to play a key role in advancing Nepal’s financial sector, supporting economic growth, and promoting banking inclusion across the country.

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Trading

Open

401.00

High

405.00

Low

398.00

Prev Close

401.00

Volume

22,384

Turnover

Rs 8,936,130.9

Txns

Valuation · Q3 FY25/26

EPS Ann.

17.19

EPS TTM

18.18

BVPS

189.57

P/E Ann.

23.56

P/E TTM

22.28

Graham #

270.78

Capital

Mkt Cap

44.14 Arab

Total

10.9 Crore

Public

3.27 Crore

Promoter

7.63 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Sell

RSI

Buy

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Moderate

Momentum

RSI (14)

39.94

ADX

24.46

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

406.26

SMA 50

398.16

Bands & Channels

BB Width %

6.57%

Volume & Flow

OBV

4,048,270

Flow Analysis

[ Live 2026-08-11 ]

Total Buy

55,420

Shares Bought

Total Sell

55,420

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 48%

Distribution 52%

Accumulators

Quantity

23,873

Amount

9,631,379

Avg Rate

403.44

Rank

#19

Brokers

#49#89#14

Distributors

Quantity

25,481

Amount

10,182,288

Avg Rate

399.60

Rank

#19

Brokers

#44#17#32#35

Net Flow Impact:

-1,608units

(Rs. -550,908)

Net Flow by Timeframe

SBI — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 86,925 ]

Buy Side

Total: 48,780

Broker

QTY

AVG

NET

9,230

406.68

+8,904

16.6%

7,583

398.68

+6,893

13.7%

7,060

404.32

+7,060

12.7%

5,500

398.18

+3,855

9.9%

5,378

402.29

+2,770

9.7%

5,371

402.62

+3,289

9.7%

1,780

401.10

+447

3.2%

100

1,480

400.00

+1,480

2.7%

1,300

398.68

+205

2.4%

990

400.10

+845

1.8%

900

402.34

+481

1.6%

750

401.74

+410

1.4%

504

405.17

+494

0.9%

500

401.20

+498

0.9%

454

401.30

+205

0.8%

Sell Side

Total: 38,145

Broker

QTY

AVG

NET

18,536

398.79

-16,846

33.5%

2,570

404.69

-2,495

4.6%

2,345

400.01

-2,345

4.2%

2,030

400.08

-1,970

3.7%

1,597

401.36

-1,597

2.9%

1,500

405.00

-1,500

2.7%

1,425

404.98

-890

2.6%

1,135

404.90

-1,051

2.0%

1,105

408.87

-305

2.0%

1,039

401.14

-899

1.9%

1,014

403.58

-904

1.8%

1,000

404.00

-990

1.8%

1,000

405.01

-1,000

1.8%

934

400.20

-864

1.7%

915

401.42

-415

1.6%

Financial Fundamentals

Financial Metric	FY25/26 Q3	FY24/25 Q3	FY23/24 Q3	FY22/23 Q3	Growth %
Assets
Cash & Liquidity
Cash & Cash Equivalent	33,934,959	11,442,955	11,304,595	0	+196.56%
Money at Call & Short Notice	32,266,043	19,326,870	10,473,328	0	+66.95%
Due from NRB	8,948,586	8,268,481	8,687,170	0	+8.23%
Placement with B/FIs	23,317,457	11,058,388	1,786,158	0	+110.86%
Loans & Advances
Loans and Advances	150,922,466	141,557,203	128,720,887	0	+6.62%
Breakdown
Loans & Advances to B/FIs	6,210,407	6,308,627	6,169,512	0	-1.56%
Loans & Advances to Customers	144,712,059	135,248,576	122,551,375	0	+7.00%
Investments
Investment Securities	31,479,013	43,654,980	54,712,931	0	-27.89%
Investment in Subsidiaries	188,889	188,889	188,889	0	0.00%
Investment in Associates	0.00	0.00	0.00	0	-
Investment Property	1,351,611	885,689	0	0	+52.61%
Other Assets
Derivative Financial Instruments	0.00	62052.24	3661.07	0	-100.00%
Other Trading Assets	170,601	83,417	75,321	0	+104.52%
Current Tax Assets	358,267	514,742	605,533	0	-30.40%
Deferred Tax Assets	453,722	437,408	418,835	0	+3.73%
Goodwill and Intangible Assets	45,888	11,646	8,190	0	+294.01%
Property & Equipment	1,283,336	1,250,187	1,224,900	0	+2.65%
Other Assets	3,317,766	2,330,539	3,065,516	0	+42.36%
Total Assets	254,744,083	220,637,312	209,691,046	0	+15.46%
Liabilities
Borrowings & Funding
Borrowings	8,841,432	11,033,288	11,601,551	0	-19.87%
Borrowing	0.00	0.00	0.00	0	-
Debt Securities Issued	8,841,432	5,844,821	6,043,153	0	+51.27%
Subordinated Liabilities	0.00	0.00	0.00	0	-
Interbank & NRB
Due to B/FIs	0.00	5188467.29	5558398.00	0	-100.00%
Due to NRB	0.00	0.00	0.00	0	-
Deposits	220,027,582	185,831,403	174,566,050	0	+18.40%
Other Liabilities
Derivative Financial Instruments	0.00	62052.24	3661.07	0	-100.00%
Provisions	0.00	0.00	0.00	0	-
Current Tax Liabilities	0.00	0.00	0.00	0	-
Deferred Tax Liabilities	0.00	0.00	0.00	0	-
Other Liabilities	4,330,370	3,818,132	4,872,071	0	+13.42%
Other Liabilities & Provisions	4,386,961	3,818,132	4,872,071	0	+14.90%
Total Liabilities	233,255,976	200,682,824	191,039,672	0	+16.23%
Shareholders Equity
Paid Up Capital	11,335,124	10,899,158	10,500,152	0	+4.00%
Share Premium	0.00	0.00	0.00	0	-
Reserves & Surpluses
Reserves	9,126,743	8,003,797	7,316,862	0	+14.03%
Reserves & Surpluses	10,152,983	9,055,331	8,151,222	0	+12.12%
Retained Earnings	1,026,239	1,051,533	834,360	0	-2.41%
Non-Controlling Interest	0.00	0.00	0.00	0	-
Total Equity	21,488,107	19,954,489	18,651,374	0	+7.69%
Total Liabilities & Equity	254,744,083	220,637,312	209,691,046	0	+15.46%

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	302.5	-2.5	-0.82%	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	202.8	+2.6	+1.3%	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	715	0	0%	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	250.7	-0.3	-0.12%	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	194	-0.8	-0.41%	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	216	+1.01	+0.47%	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	221	+0.99	+0.45%	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	253	+2.7	+1.08%	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	551	+1.59	+0.29%	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	265.9	-0.11	-0.04%	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	326	+1.01	+0.31%	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	193.3	+0.41	+0.21%	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	243.3	+0.29	+0.12%	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	240	+1	+0.42%	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	+1.51	+0.8%	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%
SANIMA	369	-0.81	-0.22%	0.05	0.06	169.34	82.76%	9.39	20.11	20.98	282.73	3.48	3.45	18.93	3.99%	2.76	17.4	0.76	17.54	5.86	1.19	1.24%	12.97	13.53%
SBL	410	+4.9	+1.21%	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	649.3	+6.11	+0.95%	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	321.82	1.09	0.33%	0.06	0.058	186.96	74.6%	9.63	16.05	19.09	276.69	3.4	3.82	15.23	4.79%	2.276	37.04	4.462	34.927	5.467	0.86	1.04%	8.84	10.65%
MED	251.85	1	0.3%	0.05	0.06	174.03	77.09%	9.44	15.04	18.77	274.26	3.46	3.74	15.56	4.97%	1.965	18.78	0.97	15.98	4.21	0.85	1.05%	9.12	11.02%
MAX	715	6.11	1.3%	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	-2.5	-0.82%	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%