Citizens Bank International Limited (CZBIL) Share Price & Fundamentals

Citizens Bank International (CZBIL) share price is Rs. 229.00, up 1.55% on 2026-10-30. Open Rs. 217.00. High Rs. 231.60. Low Rs. 217.00. Volume 552,612.

Citizens Bank International Limited is a NEPSE-listed company (CZBIL), Commercial Banks sector. Revenue: Rs. 850.24 Crore. Net profit: Rs. 224.59 Crore. Net worth: Rs. 2,499.58 Crore.

About Citizens Bank International Limited

Citizens Bank International Limited is a class 'A' commercial bank licensed by Nepal Rastra Bank under the Bank and Financial Institution Act 2073, incorporated under the Companies Act 2063 and run from its corporate office at Narayanhiti Path, Kathmandu. It received its licence to commence banking on 20 April 2007 and its shares trade on the Nepal Stock Exchange under the code CZBIL. Much of its growth has come by acquisition: Nepal Housing & Merchant Finance and People's Finance in FY2071/72, Premier Finance in 2073, Sahayogi Vikas Bank in FY2076/77, and Tinau Mission Development Bank and Srijana Finance in FY2077/78. It holds two subsidiaries, Citizens Capital Limited and CBIL Securities Limited.

Citizens Bank International Limited (CZBIL) has 15,50,74,636 shares outstanding. Its most recent declared dividend was 0.26% on face value.

Company website: www.ctznbank.com.

CZBIL key metrics

CZBIL strengths

What Citizens Bank International Limited's own accounts show in its favour, graded against the rest of its sector.

• Lends out 73.5% of deposits, comfortably within the 90% Nepal Rastra Bank allows. (Liquidity & Funding)
• Profit grew 65.2% on last year. (Growth)
• 94.9% of its funding comes from customer deposits, which are cheap and stable. (Liquidity & Funding)
• 18.1% of income comes from fees and commissions, so it does not depend on lending alone. (Margins & Income Quality)
• Only 0.1% of funding is borrowed, so the bank largely funds itself. (Liquidity & Funding)
• Bad-loan charges come to 8.3% of income, so borrowers are paying back well. (Asset Quality)
• Turns 26.4% of its income into profit once every cost is paid. (Profitability)
• Keeps 44.8% of income as profit from everyday banking, before tax. (Profitability)
• 74.3% of income comes from lending, which is steady and predictable. (Margins & Income Quality)
• Loans are 63.3% of what the bank owns, a balanced mix alongside other assets. (Asset Quality)

CZBIL weaknesses

What the same accounts show against it. Both lists are computed from the filed figures, not opinion, and are not advice.

• Return on shareholders' money is 9%, below what owners would hope for. (Profitability)
• Return on everything it owns is 0.8%, so its assets are not producing much. (Profitability)
• Makes only 2.3% from the gap between lending and deposit rates, so core earnings are squeezed. (Margins & Income Quality)
• Each share produced Rs 14.48 over the year. (Shareholder Returns)
• Income from lending moved -1.9%, so the core business is not growing. (Growth)
• The loan book moved 0.8%, so lending is not expanding. (Growth)
• Total income moved 2% on last year. (Growth)
• Only 9.3% of what it owns belongs to shareholders, so there is less cushion for losses. (Capital Strength)
• Owns 10.77x for every rupee shareholders put in. A high multiple magnifies losses as well as gains. (Capital Strength)
• Deposits moved 9.6%, so its cheapest source of funding is not growing. (Growth)
• Each share is backed by only Rs 161.19 of net worth. (Shareholder Returns)
• Staff costs take 29.4% of income, a heavy load on earnings. (Efficiency)
• The bank's size moved 9.7% over the year. (Shareholder Returns)
• Only 7.7% of income comes from outside interest, so a change in rates hits hard. (Margins & Income Quality)

CZBIL Q1 2083/84 results

In the first quarter of 2083/84 (Q1 2083/84) Citizens Bank International Limited reported profit of Rs. 11.22 crore and total operating income of Rs. 209.38 crore. Profit in Q3 2082/83 was Rs. 95.85 crore. Profit fell 88.30% on the previous quarter. Total operating income grew 0.94% on the previous quarter. Profit in Q1 2082/83, the same quarter a year earlier, was a loss of Rs. 21.97 crore. Profit turned from a loss to a profit on the same quarter last year. Total operating income fell 6.07% on the same quarter last year.

CZBIL annual results 2082/83

For the financial year 2082/83 Citizens Bank International Limited reported net profit of Rs. 224.59 crore, total operating income of Rs. 850.24 crore and net worth of Rs. 2,499.58 crore. Net profit in 2081/82 was Rs. 135.97 crore. Net profit grew 65.17% on the year. Total operating income grew 2.05% on the year.

CZBIL profit and loss for 2082/83

In the financial year 2082/83, Citizens Bank International Limited reported net interest income of Rs. 631.47 crore, net fee and commission income of Rs. 153.66 crore, net trading income of Rs. 47.36 crore, other operating income of Rs. 17.76 crore, total operating income of Rs. 850.24 crore, impairment charge/(reversal) of Rs. 70.5 crore, net operating income of Rs. 779.74 crore, operating expenses of Rs. 398.82 crore, operating profit of Rs. 380.93 crore, non-operating income/(expense) of Rs. 55.1 crore, profit before income tax of Rs. 325.83 crore, income tax expense of Rs. 101.25 crore and profit for the year of Rs. 224.59 crore.

Reported under net interest income: interest income of Rs. 1,504.6 crore and interest expense of Rs. 873.13 crore. Reported under net fee and commission income: fee and commission income of Rs. 172.69 crore and fee and commission expense of Rs. 19.03 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 249.57 crore, other operating expenses of Rs. 107.65 crore and depreciation & amortisation of Rs. 41.6 crore. Reported under non-operating income/(expense): non-operating income of Rs. 2 crore and non-operating expense of Rs. 57.1 crore. Reported under income tax expense: current tax of Rs. 141.05 crore and deferred tax of Rs. 39.8 crore.

CZBIL profit and loss for 2081/82

In the financial year 2081/82, Citizens Bank International Limited reported net interest income of Rs. 643.41 crore, net fee and commission income of Rs. 144.9 crore, net trading income of Rs. 32.16 crore, other operating income of Rs. 12.72 crore, total operating income of Rs. 833.19 crore, impairment charge/(reversal) of Rs. 268 crore, net operating income of Rs. 565.19 crore, operating expenses of Rs. 355.95 crore, operating profit of Rs. 209.25 crore, non-operating income/(expense) of Rs. 17.15 crore, profit before income tax of Rs. 192.09 crore, income tax expense of Rs. 56.12 crore and profit for the year of Rs. 135.97 crore.

Reported under net interest income: interest income of Rs. 1,737.13 crore and interest expense of Rs. 1,093.72 crore. Reported under net fee and commission income: fee and commission income of Rs. 162.97 crore and fee and commission expense of Rs. 18.07 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 207.12 crore, other operating expenses of Rs. 108.55 crore and depreciation & amortisation of Rs. 40.27 crore. Reported under non-operating income/(expense): non-operating income of Rs. 1.03 crore and non-operating expense of Rs. 18.18 crore. Reported under income tax expense: current tax of Rs. 79.21 crore and deferred tax of Rs. 23.09 crore.

CZBIL profit and loss for 2080/81

In the financial year 2080/81, Citizens Bank International Limited reported net interest income of Rs. 576.72 crore, net fee and commission income of Rs. 117.99 crore, net trading income of Rs. 16.3 crore, other operating income of Rs. 6.74 crore, total operating income of Rs. 717.75 crore, impairment charge/(reversal) of Rs. 172.54 crore, net operating income of Rs. 545.21 crore, operating expenses of Rs. 332.68 crore, operating profit of Rs. 212.53 crore, non-operating income/(expense) of Rs. 0.07 crore, profit before income tax of Rs. 212.6 crore, income tax expense of Rs. 75.3 crore and profit for the year of Rs. 137.3 crore.

Reported under net interest income: interest income of Rs. 1,973.61 crore and interest expense of Rs. 1,396.88 crore. Reported under net fee and commission income: fee and commission income of Rs. 133.92 crore and fee and commission expense of Rs. 15.93 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 201.47 crore, other operating expenses of Rs. 96.19 crore and depreciation & amortisation of Rs. 35.01 crore. Reported under non-operating income/(expense): non-operating income of Rs. 2.02 crore and non-operating expense of Rs. 1.95 crore. Reported under income tax expense: current tax of Rs. 76.1 crore and deferred tax of Rs. 0.8 crore.

CZBIL balance sheet for 2082/83

In the financial year 2082/83, Citizens Bank International Limited reported total assets of Rs. 26,913.02 crore, total liabilities of Rs. 24,413.44 crore and total equity of Rs. 2,499.58 crore.

Reported under total assets: cash and cash equivalents of Rs. 1,049.24 crore, due from nepal rastra bank of Rs. 883.39 crore, placement with banks and fis of Rs. 711.05 crore, derivative financial instruments of Rs. 0 crore, other trading assets of Rs. 48.46 crore, loans and advances to banks and fis of Rs. 118.18 crore, loans and advances to customers of Rs. 17,029.14 crore, investment securities of Rs. 5,823.47 crore, current tax assets of Rs. 18.35 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 18.17 crore, investment property of Rs. 184.53 crore, property and equipment of Rs. 412.96 crore, goodwill and intangible assets of Rs. 20.39 crore, deferred tax assets of Rs. 75.21 crore and other assets of Rs. 520.5 crore. Reported under total liabilities: due to banks and fis of Rs. 208.66 crore, due to nepal rastra bank of Rs. 59.67 crore, derivative financial instruments of Rs. 5.7 crore, deposits from customers of Rs. 23,170.34 crore, borrowings of Rs. 29.48 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0.53 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 391.56 crore, debt securities issued of Rs. 547.5 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 1,550.75 crore, share premium of Rs. 0 crore, retained earnings of Rs. 72.89 crore, reserves of Rs. 865.7 crore and non controlling interest of Rs. 10.24 crore.

CZBIL balance sheet for 2081/82

In the financial year 2081/82, Citizens Bank International Limited reported total assets of Rs. 24,533.88 crore, total liabilities of Rs. 22,243.35 crore and total equity of Rs. 2,290.53 crore.

Reported under total assets: cash and cash equivalents of Rs. 1,143.87 crore, due from nepal rastra bank of Rs. 811.25 crore, placement with banks and fis of Rs. 193.65 crore, derivative financial instruments of Rs. 0.98 crore, other trading assets of Rs. 57.67 crore, loans and advances to banks and fis of Rs. 125.44 crore, loans and advances to customers of Rs. 16,886.07 crore, investment securities of Rs. 4,237.88 crore, current tax assets of Rs. 21.39 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 17.3 crore, investment property of Rs. 126.05 crore, property and equipment of Rs. 421.12 crore, goodwill and intangible assets of Rs. 19.44 crore, deferred tax assets of Rs. 33.13 crore and other assets of Rs. 438.64 crore. Reported under total liabilities: due to banks and fis of Rs. 258.12 crore, due to nepal rastra bank of Rs. 4.14 crore, derivative financial instruments of Rs. 0 crore, deposits from customers of Rs. 21,131.24 crore, borrowings of Rs. 0 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0.53 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 302.19 crore, debt securities issued of Rs. 547.12 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 1,476.9 crore, share premium of Rs. 0 crore, retained earnings of Rs. 89.7 crore, reserves of Rs. 713.52 crore and non controlling interest of Rs. 10.41 crore.

CZBIL balance sheet for 2080/81

In the financial year 2080/81, Citizens Bank International Limited reported total assets of Rs. 22,247.41 crore, total liabilities of Rs. 20,086.12 crore and total equity of Rs. 2,161.29 crore.

Reported under total assets: cash and cash equivalents of Rs. 1,115.74 crore, due from nepal rastra bank of Rs. 667.82 crore, placement with banks and fis of Rs. 183.29 crore, derivative financial instruments of Rs. 0.41 crore, other trading assets of Rs. 43.44 crore, loans and advances to banks and fis of Rs. 182.11 crore, loans and advances to customers of Rs. 15,328.04 crore, investment securities of Rs. 3,639.04 crore, current tax assets of Rs. 45.51 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 15.81 crore, investment property of Rs. 82.13 crore, property and equipment of Rs. 431.64 crore, goodwill and intangible assets of Rs. 19.51 crore, deferred tax assets of Rs. 10.23 crore and other assets of Rs. 482.7 crore. Reported under total liabilities: due to banks and fis of Rs. 243.8 crore, due to nepal rastra bank of Rs. 0 crore, deposits from customers of Rs. 18,895.41 crore, borrowings of Rs. 0 crore, provisions of Rs. 0.53 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 399.6 crore and debt securities issued of Rs. 546.78 crore. Reported under total equity: share capital of Rs. 1,420.1 crore, share premium of Rs. 0 crore, retained earnings of Rs. 70.95 crore, reserves of Rs. 660.06 crore and non controlling interest of Rs. 10.19 crore.

CZBIL cash flow for 2082/83

In the financial year 2082/83, Citizens Bank International Limited reported net cash flow from operating activities (a) of Rs. 1,372.52 crore, net cash flow from investing activities (b) of Rs. 1,397.93 crore, net cash flow from financing activities (c) of Rs. 69.21 crore, net increase/(decrease) in cash and cash equivalents of Rs. 94.63 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 1,143.87 crore, effect of exchange rate fluctuations on cash and cash equivalents held of Rs. 0 crore and cash and cash equivalents at ashadh end of Rs. 1,049.24 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 1,363 crore, fees and other income received of Rs. 172.63 crore, dividend received of Rs. 4.27 crore, receipts from other operating activities of Rs. 49.27 crore, interest paid of Rs. 815.42 crore, commission and fees paid of Rs. 18.78 crore, cash payment to employees of Rs. 210.28 crore, other expense paid of Rs. 165.22 crore, operating cash flows before changes in operating assets and liabilities of Rs. 379.45 crore, due from nepal rastra bank of Rs. 72.14 crore, placement with banks and financial institutions of Rs. 519.39 crore, other trading assets of Rs. 3.06 crore, loan and advances to banks and financial institutions of Rs. 7.26 crore, loan and advances to customers of Rs. 356.98 crore, other assets of Rs. 50.15 crore, due to banks and financial institutions of Rs. 49.46 crore, due to nepal rastra bank of Rs. 55.53 crore, deposit from customers of Rs. 2,039.1 crore, borrowings of Rs. 29.44 crore, other liabilities of Rs. 109.89 crore, net cash flow from operating activities before tax paid of Rs. 1,575.6 crore and income taxes paid of Rs. 203.08 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 1,630.96 crore, receipts from sale of investment securities of Rs. 51.28 crore, purchase of property and equipment of Rs. 32.17 crore, receipt from sale of property and equipment of Rs. 3.43 crore, purchase of intangible assets of Rs. 2.65 crore, receipt from sale of intangible assets of Rs. 0 crore, purchase of investment properties of Rs. 0 crore, receipt from sale of investment properties of Rs. 22.12 crore, interest received of Rs. 182.7 crore and dividend received of Rs. 8.31 crore. Reported under net cash flow from financing activities (c): receipt from issue of debt securities of Rs. 0 crore, repayment of debt securities of Rs. 0 crore, receipt from issue of subordinated liabilities of Rs. 0 crore, repayment of subordinated liabilities of Rs. 0 crore, receipt from issue of shares of Rs. 0 crore, dividends paid of Rs. 12.03 crore, interest paid of Rs. 57.11 crore and other receipt/payment of Rs. 0.07 crore.

CZBIL cash flow for 2081/82

In the financial year 2081/82, Citizens Bank International Limited reported net cash flow from operating activities (a) of Rs. 503 crore, net cash flow from investing activities (b) of Rs. 405.66 crore, net cash flow from financing activities (c) of Rs. 69.22 crore, net increase/(decrease) in cash and cash equivalents of Rs. 28.13 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 1,115.74 crore, effect of exchange rate fluctuations on cash and cash equivalents held of Rs. 0 crore and cash and cash equivalents at ashadh end of Rs. 1,143.87 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 1,603.69 crore, fees and other income received of Rs. 164.64 crore, dividend received of Rs. 1.49 crore, receipts from other operating activities of Rs. 29.34 crore, interest paid of Rs. 1,031.33 crore, commission and fees paid of Rs. 17.82 crore, cash payment to employees of Rs. 195.95 crore, other expense paid of Rs. 127.17 crore, operating cash flows before changes in operating assets and liabilities of Rs. 426.88 crore, due from nepal rastra bank of Rs. 143.43 crore, placement with banks and financial institutions of Rs. 16.37 crore, other trading assets of Rs. 3.92 crore, loan and advances to banks and financial institutions of Rs. 56.68 crore, loan and advances to customers of Rs. 1,932.17 crore, other assets of Rs. 60.45 crore, due to banks and financial institutions of Rs. 14.32 crore, due to nepal rastra bank of Rs. 4.14 crore, deposit from customers of Rs. 2,208.83 crore, borrowings of Rs. 6.33 crore, other liabilities of Rs. 90.21 crore, net cash flow from operating activities before tax paid of Rs. 578.86 crore and income taxes paid of Rs. 75.86 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 609.25 crore, receipts from sale of investment securities of Rs. 42.97 crore, purchase of property and equipment of Rs. 28 crore, receipt from sale of property and equipment of Rs. 1.52 crore, purchase of intangible assets of Rs. 1.4 crore, receipt from sale of intangible assets of Rs. 0 crore, purchase of investment properties of Rs. 0 crore, receipt from sale of investment properties of Rs. 14.74 crore, interest received of Rs. 166.94 crore and dividend received of Rs. 6.83 crore. Reported under net cash flow from financing activities (c): receipt from issue of debt securities of Rs. 0 crore, repayment of debt securities of Rs. 0 crore, receipt from issue of subordinated liabilities of Rs. 0 crore, repayment of subordinated liabilities of Rs. 0 crore, receipt from issue of shares of Rs. 0 crore, dividends paid of Rs. 13 crore, interest paid of Rs. 56.19 crore and other receipt/payment of Rs. 0.02 crore.

CZBIL cash flow for 2080/81

In the financial year 2080/81, Citizens Bank International Limited reported net cash flow from operating activities (a) of Rs. 633.45 crore, net cash flow from investing activities (b) of Rs. 662.15 crore, net cash flow from financing activities (c) of Rs. 167.23 crore, net increase/(decrease) in cash and cash equivalents of Rs. 138.54 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 977.21 crore and cash and cash equivalents at ashadh end of Rs. 1,115.74 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 1,824.35 crore, fees and other income received of Rs. 137.82 crore, dividend received of Rs. 1.98 crore, receipts from other operating activities of Rs. 20.62 crore, interest paid of Rs. 1,338.5 crore, commission and fees paid of Rs. 15.47 crore, cash payment to employees of Rs. 179.24 crore, other expense paid of Rs. 100.68 crore, operating cash flows before changes in operating assets and liabilities of Rs. 350.87 crore, due from nepal rastra bank of Rs. 2.48 crore, placement with banks and financial institutions of Rs. 48.36 crore, other trading assets of Rs. 1.82 crore, loan and advances to banks and financial institutions of Rs. 68.95 crore, loan and advances to customers of Rs. 1,624.19 crore, other assets of Rs. 120.15 crore, due to banks and financial institutions of Rs. 127.67 crore, due to nepal rastra bank of Rs. 0 crore, deposit from customers of Rs. 2,059.12 crore, borrowings of Rs. 0 crore, other liabilities of Rs. 72.72 crore, net cash flow from operating activities before tax paid of Rs. 728.67 crore and income taxes paid of Rs. 95.22 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 760 crore, receipts from sale of investment securities of Rs. 8.21 crore, purchase of property and equipment of Rs. 90.11 crore, receipt from sale of property and equipment of Rs. 2.02 crore, purchase of intangible assets of Rs. 2.81 crore, receipt from sale of investment properties of Rs. 3.99 crore, interest received of Rs. 173.93 crore and dividend received of Rs. 2.63 crore. Reported under net cash flow from financing activities (c): receipt from issue of debt securities of Rs. 300 crore, repayment of debt securities of Rs. 0 crore, receipt from issue of shares of Rs. 0 crore, dividends paid of Rs. 84.29 crore, interest paid of Rs. 48.26 crore and other receipt/payment of Rs. 0.21 crore.

CZBIL quarterly for Q1 2083/84

In the quarter Q1 2083/84, Citizens Bank International Limited reported net interest income of Rs. 154.1 crore, net fee and commission income of Rs. 38.95 crore, net trading income of Rs. 9.81 crore, other operating income of Rs. 6.52 crore, total operating income of Rs. 209.38 crore, impairment charge/(reversal) of Rs. 107.85 crore, net operating income of Rs. 101.53 crore, operating expenses of Rs. 89.49 crore, operating profit of Rs. 12.04 crore, non-operating income/(expense) of Rs. 4.14 crore, profit before income tax of Rs. 16.19 crore, income tax expense of Rs. 4.97 crore and profit for the year of Rs. 11.22 crore.

Reported under net interest income: interest income of Rs. 363.49 crore and interest expense of Rs. 209.39 crore. Reported under net fee and commission income: fee and commission income of Rs. 43.56 crore and fee and commission expense of Rs. 4.61 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 50.3 crore, other operating expenses of Rs. 28.53 crore and depreciation & amortisation of Rs. 10.66 crore. Reported under non-operating income/(expense): non-operating income of Rs. 4.14 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 28.45 crore and deferred tax of Rs. 23.48 crore.

CZBIL quarterly for Q3 2082/83

In the quarter Q3 2082/83, Citizens Bank International Limited reported net interest income of Rs. 152.86 crore, net fee and commission income of Rs. 32.74 crore, net trading income of Rs. 17.57 crore, other operating income of Rs. 4.27 crore, total operating income of Rs. 207.43 crore, impairment charge/(reversal) of Rs. 34.63 crore, net operating income of Rs. 242.07 crore, operating expenses of Rs. 105.48 crore, operating profit of Rs. 136.58 crore, non-operating income/(expense) of Rs. 0.12 crore, profit before income tax of Rs. 136.71 crore, income tax expense of Rs. 40.86 crore and profit for the year of Rs. 95.85 crore.

Reported under net interest income: interest income of Rs. 354.79 crore and interest expense of Rs. 201.92 crore. Reported under net fee and commission income: fee and commission income of Rs. 37.95 crore and fee and commission expense of Rs. 5.21 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 69.53 crore, other operating expenses of Rs. 25.55 crore and depreciation & amortisation of Rs. 10.4 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.12 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 28.82 crore and deferred tax of Rs. 12.04 crore.

CZBIL quarterly for Q2 2082/83

In the quarter Q2 2082/83, Citizens Bank International Limited reported net interest income of Rs. 148.09 crore, net fee and commission income of Rs. 29.38 crore, net trading income of Rs. 13.96 crore, other operating income of Rs. 2.14 crore, total operating income of Rs. 193.57 crore, impairment charge/(reversal) of Rs. 9.53 crore, net operating income of Rs. 184.04 crore, operating expenses of Rs. 94.67 crore, operating profit of Rs. 89.37 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 89.37 crore, income tax expense of Rs. 30.38 crore and profit for the year of Rs. 58.99 crore.

Reported under net interest income: interest income of Rs. 366.33 crore and interest expense of Rs. 218.24 crore. Reported under net fee and commission income: fee and commission income of Rs. 34.2 crore and fee and commission expense of Rs. 4.82 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 57.91 crore, other operating expenses of Rs. 26.62 crore and depreciation & amortisation of Rs. 10.14 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 34.14 crore and deferred tax of Rs. 3.76 crore.

CZBIL quarterly for Q1 2082/83

In the quarter Q1 2082/83, Citizens Bank International Limited reported net interest income of Rs. 166.83 crore, net fee and commission income of Rs. 37.52 crore, net trading income of Rs. 8.8 crore, other operating income of Rs. 9.75 crore, total operating income of Rs. 222.9 crore, impairment charge/(reversal) of Rs. 173.75 crore, net operating income of Rs. 49.15 crore, operating expenses of Rs. 86.26 crore, operating profit of Rs. 37.1 crore, non-operating income/(expense) of Rs. 1.09 crore, profit before income tax of Rs. 36.01 crore, income tax expense of Rs. 14.04 crore and profit for the year of Rs. 21.97 crore.

Reported under net interest income: interest income of Rs. 406.84 crore and interest expense of Rs. 240.01 crore. Reported under net fee and commission income: fee and commission income of Rs. 41.41 crore and fee and commission expense of Rs. 3.89 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 52.58 crore, other operating expenses of Rs. 23.29 crore and depreciation & amortisation of Rs. 10.38 crore. Reported under non-operating income/(expense): non-operating income of Rs. 1.09 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 39.77 crore and deferred tax of Rs. 53.81 crore.

CZBIL Profit & Loss

Values in Rs. Crore unless stated otherwise.

CZBIL Balance Sheet

Values in Rs. Crore unless stated otherwise.

CZBIL Cash Flow

Values in Rs. Crore unless stated otherwise.

CZBIL Quarterly Results

Figures from Citizens Bank International Limited's quarterly reports, most recent quarter first.

Values in Rs. Crore unless stated otherwise.

Citizens Bank International share price history

Over the last 15 trading sessions CZBIL closed between Rs. 200.70 and Rs. 229.00, finishing at Rs. 229.00 on 2026-10-30 against Rs. 211.00 on 2026-10-02.

CZBIL share price by year

2026, between Rs. 185.00 and Rs. 238.60, 2025, between Rs. 183.00 and Rs. 228.67, 2024, between Rs. 139.65 and Rs. 271.06, 2023, between Rs. 145.51 and Rs. 205.13, 2022, between Rs. 160.26 and Rs. 296.06 and 2021, between Rs. 205.19 and Rs. 360.09.

Citizens Bank International share price returns

At Rs. 229.00 on 2026-10-30, CZBIL is up 4.66% over 1 week, up 8.53% over 1 month, up 10.90% over 3 months, up 13.37% over 6 months, up 13.37% over 1 year and down 16.92% over 5 years. Each return compares that close with the last close on or before the same date in the earlier period.

CZBIL floorsheet for 2026-10-30

CZBIL traded 747 times on 2026-10-30, moving 5,52,612 shares for Rs. 12.64 crore of turnover. Trades went through between Rs. 217.00 and Rs. 231.60.

Largest buyers by volume: broker 33, Dakshinkali Investment Securities Pvt.Limited on 1,76,549 shares across 169 trades, broker 52, Sundhara Securities Limited on 1,15,137 shares across 74 trades, broker 77, Nabil Stock Dealer Limited on 53,461 shares across 43 trades, broker 50, Crystal Kanchenjunga Securities Pvt.Ltd on 20,010 shares across 5 trades, broker 86, Stoxkarts Securities Limited on 19,260 shares across 34 trades, broker 38, Dipshika Dhitopatra Karobar Co. Pvt.Limited on 15,696 shares across 24 trades, broker 49, Online Securities Limited on 15,484 shares across 12 trades, broker 82, N.M.B. Securities Limited on 13,300 shares across 5 trades, broker 26, Asian Securities Pvt. Limited on 12,021 shares across 20 trades and broker 44, Dynamic Money Managers Securities Pvt.Ltd on 9,781 shares across 29 trades.

Largest sellers by volume: broker 42, Sani Securities Company Limited on 87,295 shares across 32 trades, broker 39, Sumeru Securities Pvt.Limited on 80,199 shares across 42 trades, broker 65, Sharepro Securities Private Limited on 37,782 shares across 9 trades, broker 35, Kohinoor Investment and Securities Pvt.Ltd on 31,320 shares across 30 trades, broker 58, Naasa Securities Co. Ltd. on 22,814 shares across 46 trades, broker 34, Vision Securities Pvt.Limited on 20,989 shares across 25 trades, broker 49, Online Securities Limited on 17,304 shares across 19 trades, broker 70, Infinity Securities Limited on 15,000 shares across 5 trades, broker 94, K.B.L. Securities Limited on 14,868 shares across 3 trades and broker 45, Imperial Securities Co. Limited on 14,625 shares across 39 trades.

CZBIL dividend history: bonus shares and cash dividend

Citizens Bank International Limited most recently declared a 3.8% bonus share issue for 2082/2083, announced on 2026-09-22. Percentages are of paid up value. Declared, not necessarily paid: a dividend is subject to the annual general meeting approving it.

For 2082/2083 Citizens Bank International Limited declared a 3.8% bonus share issue, announced on 2026-09-22.

For 2081/2082 Citizens Bank International Limited declared a 5% bonus share issue, announced on 2025-11-05.

For 2080/2081 Citizens Bank International Limited declared a 4% bonus share issue, announced on 2024-10-09.

For 2079/2080 Citizens Bank International Limited declared a 5.79% cash dividend, announced on 2023-09-21.

For 2078/2079 Citizens Bank International Limited declared a 9% cash dividend, announced on 2022-09-28.

CZBIL general meetings

Annual and special general meetings Citizens Bank International Limited has called. A dividend is declared by the board and approved at the AGM.

• 20th AGM for 2082/2083: on 2026-10-14
• 8th SGM for 2082/2083: on 2026-06-17, at Bank's Head Office Building, Narayanhiti Path, Durbarmarg, Kathmandu or Virtual method via Zoom (9:00 AM)
• 19th AGM for 2081/2082: on 2025-11-28, at Anupam Foodland and Banquet, Battisputali, Kathmandu (11:00 AM)

6 years of annual statements and 12 quarters of results for CZBIL, with charts and peer comparison, are free on NepView.

New to these statements? How to read a profit and loss statement, How to read a balance sheet, How to read a cash flow statement, How to read quarterly results.

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