Citizens Bank International (CZBIL) share price is Rs. 216.00, up 1.93% on 2026-10-12. Open Rs. 212.00. High Rs. 217.00. Low Rs. 210.00. Volume 192,984.
Citizens Bank International Limited is a NEPSE-listed company (CZBIL), Commercial Banks sector. Revenue: Rs. 833.19 Crore. Net profit: Rs. 135.97 Crore. Net worth: Rs. 2,290.53 Crore.
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.
| Market Cap | Rs. 3,349.61 Crore |
|---|---|
| P/E Ratio | 24.63 |
| P/E Ratio (TTM) | 15.79 |
| EPS | Rs. 8.77 |
| EPS (TTM) | Rs. 13.68 |
| Book Value | Rs. 147.71 |
| Dividend Yield | 0.12% |
| Face Value | Rs. 100.00 |
| 52 Week High | Rs. 238.60 |
| 52 Week Low | Rs. 183.00 |
What Citizens Bank International Limited's own accounts show in its favour, graded against the rest of its sector.
What the same accounts show against it. Both lists are computed from the filed figures, not opinion, and are not advice.
In Q3 2082/83 Citizens Bank International Limited reported profit of Rs. 95.85 crore and total operating income of Rs. 207.43 crore. Profit in Q2 2082/83 was Rs. 58.99 crore. Profit grew 62.47% on the previous quarter. Total operating income grew 7.16% on the previous quarter. Profit in Q3 2081/82, the same quarter a year earlier, was Rs. 30.99 crore. Profit grew 209.26% on the same quarter last year. Total operating income grew 0.21% on the same quarter last year.
For the financial year 2081/82 Citizens Bank International Limited reported net profit of Rs. 135.97 crore, total operating income of Rs. 833.19 crore and net worth of Rs. 2,290.53 crore. Net profit in 2080/81 was Rs. 137.3 crore. Net profit fell 0.97% on the year. Total operating income grew 16.08% on the year.
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.
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.
In the financial year 2079/80, Citizens Bank International Limited reported net interest income of Rs. 587.63 crore, net fee and commission income of Rs. 90.77 crore, net trading income of Rs. 18.72 crore, other operating income of Rs. 2.81 crore, total operating income of Rs. 699.93 crore, impairment charge/(reversal) of Rs. 121.65 crore, net operating income of Rs. 578.28 crore, operating expenses of Rs. 314.19 crore, operating profit of Rs. 264.09 crore, non-operating income/(expense) of Rs. 6.63 crore, profit before income tax of Rs. 257.46 crore, income tax expense of Rs. 67 crore and profit for the year of Rs. 190.45 crore.
Reported under net interest income: interest income of Rs. 2,069.48 crore and interest expense of Rs. 1,481.85 crore. Reported under net fee and commission income: fee and commission income of Rs. 104.66 crore and fee and commission expense of Rs. 13.9 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 190.61 crore, other operating expenses of Rs. 90.58 crore and depreciation & amortisation of Rs. 33 crore. Reported under non-operating income/(expense): non-operating income of Rs. 1.32 crore and non-operating expense of Rs. 7.96 crore. Reported under income tax expense: current tax of Rs. 77.81 crore and deferred tax of Rs. 10.8 crore.
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, deposits from customers of Rs. 21,131.24 crore, borrowings of Rs. 0 crore, provisions of Rs. 0.53 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 302.19 crore and debt securities issued of Rs. 547.12 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.
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.
In the financial year 2079/80, Citizens Bank International Limited reported total assets of Rs. 19,859.8 crore, total liabilities of Rs. 17,757.91 crore and total equity of Rs. 2,101.89 crore.
Reported under total assets: cash and cash equivalents of Rs. 977.21 crore, due from nepal rastra bank of Rs. 670.3 crore, placement with banks and fis of Rs. 223.64 crore, derivative financial instruments of Rs. 1.7 crore, other trading assets of Rs. 51.77 crore, loans and advances to banks and fis of Rs. 251.07 crore, loans and advances to customers of Rs. 13,983.2 crore, investment securities of Rs. 2,869.97 crore, current tax assets of Rs. 28.62 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 17.39 crore, investment property of Rs. 25.61 crore, property and equipment of Rs. 376.62 crore, goodwill and intangible assets of Rs. 18 crore, deferred tax assets of Rs. 12.3 crore and other assets of Rs. 352.39 crore. Reported under total liabilities: due to banks and fis of Rs. 371.47 crore, due to nepal rastra bank of Rs. 0 crore, deposits from customers of Rs. 16,843.29 crore, borrowings of Rs. 0 crore, provisions of Rs. 0.53 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 294.64 crore and debt securities issued of Rs. 247.98 crore. Reported under total equity: share capital of Rs. 1,420.1 crore, share premium of Rs. 0 crore, retained earnings of Rs. 92.32 crore, reserves of Rs. 579.67 crore and non controlling interest of Rs. 9.8 crore.
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 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 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 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.
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.
In the financial year 2079/80, Citizens Bank International Limited reported net cash flow from operating activities (a) of Rs. 722.75 crore, net cash flow from investing activities (b) of Rs. 61.95 crore, net cash flow from financing activities (c) of Rs. 151.31 crore, net increase/(decrease) in cash and cash equivalents of Rs. 812.1 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 1,789.31 crore and cash and cash equivalents at ashadh end of Rs. 977.21 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 1,847.82 crore, fees and other income received of Rs. 104.18 crore, dividend received of Rs. 2.11 crore, receipts from other operating activities of Rs. 16.97 crore, interest paid of Rs. 1,459.83 crore, commission and fees paid of Rs. 13.72 crore, cash payment to employees of Rs. 180.89 crore, other expense paid of Rs. 100.47 crore, operating cash flows before changes in operating assets and liabilities of Rs. 216.16 crore, due from nepal rastra bank of Rs. 243.65 crore, placement with banks and financial institutions of Rs. 100.28 crore, other trading assets of Rs. 11.45 crore, loan and advances to banks and financial institutions of Rs. 78.92 crore, loan and advances to customers of Rs. 911.98 crore, other assets of Rs. 80.46 crore, due to banks and financial institutions of Rs. 34.83 crore, due to nepal rastra bank of Rs. 1,107.03 crore, deposit from customers of Rs. 1,583.2 crore, borrowings of Rs. 11.3 crore, other liabilities of Rs. 44.94 crore, net cash flow from operating activities before tax paid of Rs. 644.74 crore and income taxes paid of Rs. 78 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 55.3 crore, receipts from sale of investment securities of Rs. 2.87 crore, purchase of property and equipment of Rs. 37.89 crore, receipt from sale of property and equipment of Rs. 4.28 crore, purchase of intangible assets of Rs. 0.88 crore, receipt from sale of investment properties of Rs. 1.98 crore, interest received of Rs. 145.95 crore and dividend received of Rs. 0.95 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 shares of Rs. 0 crore, dividends paid of Rs. 124.9 crore, interest paid of Rs. 25.63 crore and other receipt/payment of Rs. 0.78 crore.
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.
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.
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.
In the quarter Q4 2081/82, Citizens Bank International Limited reported net interest income of Rs. 162.1 crore, net fee and commission income of Rs. 44.65 crore, net trading income of Rs. 11.76 crore, other operating income of Rs. 2.14 crore, total operating income of Rs. 220.66 crore, impairment charge/(reversal) of Rs. 51.22 crore, net operating income of Rs. 169.45 crore, operating expenses of Rs. 98.37 crore, operating profit of Rs. 71.07 crore, non-operating income/(expense) of Rs. 18.04 crore, profit before income tax of Rs. 53.03 crore, income tax expense of Rs. 17.05 crore and profit for the year of Rs. 35.99 crore.
Reported under net interest income: interest income of Rs. 417.74 crore and interest expense of Rs. 255.64 crore. Reported under net fee and commission income: fee and commission income of Rs. 49.84 crore and fee and commission expense of Rs. 5.19 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 53.69 crore, other operating expenses of Rs. 32.14 crore and depreciation & amortisation of Rs. 12.54 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.14 crore and non-operating expense of Rs. 18.18 crore. Reported under income tax expense: current tax of Rs. 35.16 crore and deferred tax of Rs. 18.11 crore.
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 | 2077/78 | 2076/77 |
|---|---|---|---|---|---|---|
| Net Interest Income | 643 | 577 | 588 | 501 | 367 | 291 |
| Interest Income | 1,737 | 1,974 | 2,069 | 1,597 | 1,084 | 949 |
| Interest Expense | -1,094 | -1,397 | -1,482 | -1,096 | -717 | -658 |
| Net Fee and Commission Income | 145 | 118 | 90.8 | 90.2 | 78.3 | 55.6 |
| Fee and Commission Income | 163 | 134 | 105 | 103 | 86.1 | 61.5 |
| Fee and Commission Expense | -18.1 | -15.9 | -13.9 | -13.1 | -7.8 | -5.9 |
| Net Trading Income | 32.2 | 16.3 | 18.7 | 19.5 | 48.3 | 28.8 |
| Other Operating Income | 12.7 | 6.7 | 2.8 | 20.1 | 15.6 | 10.5 |
| Total Operating Income | 833 | 718 | 700 | 631 | 509 | 386 |
| Impairment Charge/(Reversal) | -268 | -173 | -122 | -55.2 | -39.4 | -64.0 |
| Net Operating Income | 565 | 545 | 578 | 576 | 470 | 322 |
| Operating Expenses | -356 | -333 | -314 | -302 | -214 | -167 |
| Operating Expense - Personnel Expenses | -207 | -201 | -191 | -180 | -125 | -94.4 |
| Other Operating Expenses | -109 | -96.2 | -90.6 | -80.5 | -65.0 | -50.9 |
| Depreciation & Amortisation | -40.3 | -35.0 | -33.0 | -41.6 | -24.7 | -21.4 |
| Operating Profit | 209 | 213 | 264 | 274 | 255 | 155 |
| Non-Operating Income/(Expense) | -17.2 | 0.07 | -6.6 | 11.6 | 12.2 | 15.9 |
| Non-Operating Income | 1.0 | 2.0 | 1.3 | 11.6 | 12.2 | 15.9 |
| Non-Operating Expense | -18.2 | -2.0 | -8.0 | 0.00 | 0.00 | 0.00 |
| Profit Before Income Tax | 192 | 213 | 257 | 286 | 267 | 171 |
| Income Tax Expense | -56.1 | -75.3 | -67.0 | -83.1 | -80.6 | -48.1 |
| Current Tax | -79.2 | -76.1 | -77.8 | -90.7 | -80.0 | -47.7 |
| Deferred Tax | 23.1 | 0.80 | 10.8 | 7.6 | -0.67 | -0.39 |
| Profit for the Year | 136 | 137 | 190 | 203 | 187 | 123 |
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 | 2077/78 | 2076/77 |
|---|---|---|---|---|---|---|
| Total Assets | 24,534 | 22,247 | 19,860 | 19,411 | 16,826 | 11,052 |
| Cash and Cash Equivalents | 1,144 | 1,116 | 977 | 1,789 | 1,157 | 1,085 |
| Due from Nepal Rastra Bank | 811 | 668 | 670 | 427 | 380 | 243 |
| Placement with Banks and FIs | 194 | 183 | 224 | 123 | 287 | 30.3 |
| Derivative Financial Instruments | 0.98 | 0.41 | 1.7 | 0.27 | 4.7 | 0.10 |
| Other Trading Assets | 57.7 | 43.4 | 51.8 | 54.1 | 76.0 | 13.7 |
| Loans and Advances to Banks and FIs | 125 | 182 | 251 | 330 | 325 | 153 |
| Loans and Advances to Customers | 16,886 | 15,328 | 13,983 | 13,128 | 11,891 | 7,898 |
| Investment Securities | 4,238 | 3,639 | 2,870 | 2,819 | 2,206 | 1,186 |
| Current Tax Assets | 21.4 | 45.5 | 28.6 | 34.7 | 29.0 | 15.5 |
| Investment in Subsidiaries | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investment in Associates | 17.3 | 15.8 | 17.4 | 16.5 | 2.1 | 3.5 |
| Investment Property | 126 | 82.1 | 25.6 | 20.9 | 14.1 | 19.6 |
| Property and Equipment | 421 | 432 | 377 | 371 | 288 | 256 |
| Goodwill and Intangible Assets | 19.4 | 19.5 | 18.0 | 19.8 | 8.5 | 7.6 |
| Deferred Tax Assets | 33.1 | 10.2 | 12.3 | 1.6 | 0.00 | 0.00 |
| Other Assets | 439 | 483 | 352 | 276 | 157 | 141 |
| Total Liabilities | 22,243 | 20,086 | 17,758 | 17,372 | 14,920 | 9,697 |
| Due to Banks and FIs | 258 | 244 | 371 | 406 | 277 | 369 |
| Due to Nepal Rastra Bank | 4.1 | 0.00 | 0.00 | 1,107 | 121 | 56.8 |
| Deposits from Customers | 21,131 | 18,895 | 16,843 | 15,253 | 14,036 | 8,817 |
| Borrowings | 0.00 | 0.00 | 0.00 | 4.6 | 0.00 | 0.00 |
| Provisions | 0.53 | 0.53 | 0.53 | 0.53 | 0.53 | 0.53 |
| Deferred Tax Liabilities | 0.00 | 0.00 | 0.00 | 0.00 | 22.2 | 1.3 |
| Other Liabilities | 302 | 400 | 295 | 354 | 216 | 155 |
| Debt Securities Issued | 547 | 547 | 248 | 248 | 248 | 297 |
| Total Equity | 2,291 | 2,161 | 2,102 | 2,039 | 1,906 | 1,355 |
| Share Capital | 1,477 | 1,420 | 1,420 | 1,420 | 1,258 | 909 |
| Share Premium | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.41 |
| Retained Earnings | 89.7 | 70.9 | 92.3 | 138 | 148 | 96.3 |
| Reserves | 714 | 660 | 580 | 472 | 490 | 340 |
| Non Controlling Interest | 10.4 | 10.2 | 9.8 | 8.8 | 11.1 | 9.5 |
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 | 2077/78 | 2076/77 |
|---|---|---|---|---|---|---|
| Net Cash Flow from Operating Activities (A) | 503 | 633 | -723 | 1,373 | 709 | 49.6 |
| Interest Received | 1,604 | 1,824 | 1,848 | 1,466 | 967 | 851 |
| Fees and Other Income Received | 165 | 138 | 104 | 106 | 87.4 | 64.0 |
| Dividend Received | 1.5 | 2.0 | 2.1 | 9.6 | 0.00 | 0.01 |
| Receipts from Other Operating Activities | 29.3 | 20.6 | 17.0 | 42.2 | 45.1 | 34.8 |
| Interest Paid | -1,031 | -1,339 | -1,460 | -1,067 | -686 | -640 |
| Commission and Fees Paid | -17.8 | -15.5 | -13.7 | -12.9 | -7.3 | -5.8 |
| Cash Payment to Employees | -196 | -179 | -181 | -166 | -99.5 | -91.8 |
| Other Expense Paid | -127 | -101 | -100 | -80.1 | -64.7 | -48.7 |
| Operating Cash Flows Before Changes in Operating Assets and Liabilities | 427 | 351 | 216 | 298 | 242 | 163 |
| Due from Nepal Rastra Bank | -143 | 2.5 | -244 | -47.0 | 318 | 155 |
| Placement with Banks and Financial Institutions | -16.4 | 48.4 | -100 | 164 | -257 | 9.2 |
| Other Trading Assets | -3.9 | -1.8 | 11.4 | 12.0 | -44.5 | 50.6 |
| Loan and Advances to Banks and Financial Institutions | 56.7 | 69.0 | 78.9 | -5.3 | 2,035 | 8.5 |
| Loan and Advances to Customers | -1,932 | -1,624 | -912 | -1,315 | -4,026 | -1,228 |
| Other Assets | 60.4 | -120 | -80.5 | -105 | -1.6 | 29.6 |
| Due to Banks and Financial Institutions | 14.3 | -128 | -34.8 | 130 | -133 | -31.1 |
| Due to Nepal Rastra Bank | 4.1 | 0.00 | -1,107 | 986 | 47.6 | -64.5 |
| Deposit from Customers | 2,209 | 2,059 | 1,583 | 1,216 | 2,615 | 1,037 |
| Borrowings | -6.3 | 0.00 | -11.3 | 4.6 | 0.00 | 0.00 |
| Other Liabilities | -90.2 | 72.7 | -44.9 | 132 | 2.6 | -19.5 |
| Net Cash Flow from Operating Activities Before Tax Paid | 579 | 729 | -645 | 1,470 | 798 | 110 |
| Income Taxes Paid | -75.9 | -95.2 | -78.0 | -97.3 | -88.4 | -60.3 |
| Net Cash Flow from Investing Activities (B) | -406 | -662 | 62.0 | -670 | -792 | -69.0 |
| Purchase of Investment Securities | -609 | -760 | -55.3 | -689 | -887 | -92.7 |
| Receipts from Sale of Investment Securities | 43.0 | 8.2 | 2.9 | 6.9 | 9.0 | 4.5 |
| Purchase of Property and Equipment | -28.0 | -90.1 | -37.9 | -122 | -13.7 | -35.0 |
| Receipt from Sale of Property and Equipment | 1.5 | 2.0 | 4.3 | 5.3 | 1.5 | 0.27 |
| Purchase of Intangible Assets | -1.4 | -2.8 | -0.88 | -2.6 | -3.4 | -0.73 |
| Receipt from Sale of Investment Properties | 14.7 | 4.0 | 2.0 | 4.1 | 17.3 | 3.3 |
| Interest Received | 167 | 174 | 146 | 111 | 79.1 | 49.8 |
| Dividend Received | 6.8 | 2.6 | 0.95 | 16.3 | 5.8 | 1.4 |
| Net Cash Flow from Financing Activities (C) | -69.2 | 167 | -151 | -70.9 | -114 | 146 |
| Receipt from Issue of Debt Securities | 0.00 | 300 | 0.00 | 0.00 | 0.00 | 247 |
| Repayment of Debt Securities | 0.00 | 0.00 | 0.00 | 0.00 | -50.0 | 0.00 |
| Receipt from Issue of Shares | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 4.4 |
| Dividends Paid | -13.0 | -84.3 | -125 | -44.5 | -27.7 | -94.3 |
| Interest Paid | -56.2 | -48.3 | -25.6 | -26.4 | -27.7 | -11.2 |
| Other Receipt/Payment | -0.02 | -0.21 | -0.78 | -0.01 | -8.1 | -0.10 |
| Net Increase/(Decrease) in Cash and Cash Equivalents | 28.1 | 139 | -812 | 632 | -196 | 127 |
| Cash and Cash Equivalents at Shrawan 01 (Beginning of the Year) | 1,116 | 977 | 1,789 | 1,157 | 1,353 | 958 |
| Cash and Cash Equivalents at Ashadh End | 1,144 | 1,116 | 977 | 1,789 | 1,157 | 1,085 |
Values in Rs. Crore unless stated otherwise.
| Particulars | Q3 2082/83 | Q2 2082/83 | Q1 2082/83 | Q4 2081/82 | Q3 2081/82 | Q2 2081/82 | Q1 2081/82 | Q4 2080/81 | Q3 2080/81 | Q2 2080/81 | Q1 2080/81 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 153 | 148 | 167 | 162 | 168 | 158 | 150 | 144 | 143 | 140 | 146 |
| Interest Income | 355 | 366 | 407 | 418 | 425 | 433 | 457 | 476 | 481 | 494 | 520 |
| Interest Expense | -202 | -218 | -240 | -256 | -257 | -274 | -306 | -332 | -339 | -353 | -373 |
| Net Fee and Commission Income | 32.7 | 29.4 | 37.5 | 44.7 | 31.6 | 34.1 | 34.6 | 32.4 | 27.5 | 29.0 | 29.1 |
| Fee and Commission Income | 37.9 | 34.2 | 41.4 | 49.8 | 36.2 | 38.6 | 38.4 | 37.7 | 30.7 | 32.6 | 32.8 |
| Fee and Commission Expense | -5.2 | -4.8 | -3.9 | -5.2 | -4.6 | -4.5 | -3.8 | -5.3 | -3.2 | -3.6 | -3.7 |
| Net Trading Income | 17.6 | 14.0 | 8.8 | 11.8 | 7.6 | 4.6 | 8.2 | 9.4 | 3.3 | 4.9 | -1.3 |
| Other Operating Income | 4.3 | 2.1 | 9.8 | 2.1 | 0.05 | 1.4 | 7.7 | 1.7 | 1.7 | 0.20 | 2.9 |
| Total Operating Income | 207 | 194 | 223 | 221 | 207 | 198 | 201 | 188 | 175 | 174 | 177 |
| Impairment Charge/(Reversal) | 34.6 | -9.5 | -174 | -51.2 | -77.9 | -47.6 | -90.9 | -78.0 | -12.6 | -43.3 | -42.6 |
| Net Operating Income | 242 | 184 | 49.2 | 169 | 129 | 151 | 110 | 110 | 163 | 131 | 134 |
| Operating Expenses | -105 | -94.7 | -86.3 | -98.4 | -85.3 | -86.5 | -79.6 | -83.5 | -84.2 | -77.4 | -77.0 |
| Operating Expense - Personnel Expenses | -69.5 | -57.9 | -52.6 | -53.7 | -51.7 | -50.7 | -44.9 | -44.2 | -52.5 | -47.5 | -46.8 |
| Other Operating Expenses | -25.6 | -26.6 | -23.3 | -32.1 | -24.3 | -26.5 | -25.5 | -30.0 | -23.1 | -21.5 | -21.8 |
| Depreciation & Amortisation | -10.4 | -10.1 | -10.4 | -12.5 | -9.3 | -9.2 | -9.1 | -9.4 | -8.7 | -8.5 | -8.5 |
| Operating Profit | 137 | 89.4 | -37.1 | 71.1 | 43.8 | 64.2 | 30.1 | 26.0 | 78.3 | 53.6 | 57.2 |
| Non-Operating Income/(Expense) | 0.12 | 0.00 | 1.1 | -18.0 | 0.29 | 0.11 | 0.49 | -1.2 | 0.27 | 0.44 | 0.61 |
| Non-Operating Income | 0.12 | 0.00 | 1.1 | 0.14 | 0.29 | 0.11 | 0.49 | 0.71 | 0.27 | 0.44 | 0.61 |
| Non-Operating Expense | 0.00 | 0.00 | 0.00 | -18.2 | 0.00 | 0.00 | 0.00 | -2.0 | 0.00 | 0.00 | 0.00 |
| Profit Before Income Tax | 137 | 89.4 | -36.0 | 53.0 | 44.1 | 64.3 | 30.6 | 24.8 | 78.6 | 54.0 | 57.8 |
| Income Tax Expense | -40.9 | -30.4 | 14.0 | -17.0 | -13.1 | -17.2 | -9.5 | -8.4 | -35.3 | -15.0 | -17.4 |
| Current Tax | -28.8 | -34.1 | -39.8 | -35.2 | -15.8 | -19.8 | -8.8 | -6.6 | -32.5 | -18.5 | -17.4 |
| Deferred Tax | -12.0 | 3.8 | 53.8 | 18.1 | 2.7 | 2.6 | -0.75 | -1.8 | -2.8 | 3.4 | 0.00 |
| Profit for the Year | 95.8 | 59.0 | -22.0 | 36.0 | 31.0 | 47.1 | 21.0 | 16.4 | 43.3 | 39.0 | 40.4 |
Over the last 15 trading sessions CZBIL closed between Rs. 200.70 and Rs. 216.00, finishing at Rs. 216.00 on 2026-10-12 against Rs. 212.90 on 2026-09-18.
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| 2026-10-12 | 212.00 | 217.00 | 210.00 | 216.00 | 1,92,984 |
| 2026-10-09 | 206.50 | 211.90 | 203.60 | 211.90 | 1,75,397 |
| 2026-10-08 | 201.00 | 207.00 | 200.00 | 205.00 | 77,091 |
| 2026-10-07 | 200.00 | 203.90 | 199.20 | 203.90 | 1,03,751 |
| 2026-10-06 | 200.00 | 202.60 | 197.00 | 201.60 | 70,193 |
| 2026-10-05 | 201.50 | 203.80 | 199.00 | 200.70 | 73,157 |
| 2026-10-02 | 212.50 | 212.60 | 211.00 | 211.00 | 1,31,073 |
| 2026-10-01 | 210.10 | 213.00 | 206.50 | 212.50 | 52,268 |
| 2026-09-30 | 212.00 | 214.80 | 212.00 | 212.80 | 66,284 |
| 2026-09-29 | 215.00 | 215.00 | 212.00 | 214.70 | 60,021 |
| 2026-09-28 | 207.10 | 215.00 | 207.10 | 215.00 | 1,22,637 |
| 2026-09-24 | 212.00 | 215.00 | 207.10 | 213.40 | 1,85,660 |
| 2026-09-23 | 215.90 | 215.90 | 210.20 | 212.00 | 1,11,232 |
| 2026-09-22 | 202.30 | 218.00 | 202.30 | 214.30 | 1,75,463 |
| 2026-09-18 | 218.10 | 218.10 | 205.00 | 212.90 | 1,97,396 |
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.
| Year | Low (Rs.) | High (Rs.) | Sessions |
|---|---|---|---|
| 2026 | 185.00 | 238.60 | 181 |
| 2025 | 183.00 | 228.67 | 225 |
| 2024 | 139.65 | 271.06 | 232 |
| 2023 | 145.51 | 205.13 | 227 |
| 2022 | 160.26 | 296.06 | 242 |
| 2021 | 205.19 | 360.09 | 239 |
| 2020 | 123.16 | 225.46 | 183 |
| 2019 | 133.67 | 177.17 | 244 |
| 2018 | 147.75 | 211.07 | 234 |
| 2017 | 195.59 | 284.45 | 230 |
| 2016 | 176.49 | 343.14 | 231 |
| 2015 | 107.65 | 206.99 | 216 |
At Rs. 216.00 on 2026-10-12, CZBIL is up 7.62% over 1 week, up 8.00% over 1 month, up 10.77% over 3 months, up 0.47% over 6 months, up 11.34% over 1 year and down 26.75% over 5 years. Each return compares that close with the last close on or before the same date in the earlier period.
| Period | Return | From price (Rs.) | From date |
|---|---|---|---|
| 1 week | +7.62% | 200.70 | 2026-10-05 |
| 1 month | +8.00% | 200.00 | 2026-09-11 |
| 3 months | +10.77% | 195.00 | 2026-07-14 |
| 6 months | +0.47% | 215.00 | 2026-04-15 |
| 1 year | +11.34% | 194.00 | 2025-10-12 |
| 5 years | -26.75% | 294.87 | 2021-10-11 |
CZBIL traded 458 times on 2026-10-12, moving 1,92,984 shares for Rs. 4.15 crore of turnover. Trades went through between Rs. 210.00 and Rs. 217.00.
Largest buyers by volume: broker 29, Trishul Securities And Investment Limited on 25,834 shares across 60 trades, broker 44, Dynamic Money Managers Securities Pvt.Ltd on 25,660 shares across 5 trades, broker 45, Imperial Securities Co. Limited on 20,359 shares across 51 trades, broker 34, Vision Securities Pvt.Limited on 18,854 shares across 27 trades, broker 38, Dipshika Dhitopatra Karobar Co. Pvt.Limited on 17,500 shares across 36 trades, broker 42, Sani Securities Company Limited on 15,295 shares across 30 trades, broker 46, Kalika Securities Pvt.Limited on 13,412 shares across 24 trades, broker 50, Crystal Kanchenjunga Securities Pvt.Ltd on 9,570 shares across 25 trades, broker 70, Infinity Securities Limited on 9,345 shares across 17 trades and broker 47, Neev Securities Pvt.Ltd on 5,000 shares across 11 trades.
Largest sellers by volume: broker 49, Online Securities Limited on 34,432 shares across 19 trades, broker 45, Imperial Securities Co. Limited on 20,452 shares across 37 trades, broker 57, Arya Tara Investment And Securities Pvt. Ltd. on 11,184 shares across 20 trades, broker 1, Kumari Securities Pvt. Limited on 9,212 shares across 22 trades, broker 58, Naasa Securities Co. Ltd. on 8,442 shares across 35 trades, broker 3, Arun Securities Pvt. Limited on 8,050 shares across 15 trades, broker 33, Dakshinkali Investment Securities Pvt.Limited on 7,799 shares across 10 trades, broker 13, Thrive Brokerage House Pvt. Limited on 4,542 shares across 6 trades, broker 6, Agrawal Securities Pvt. Limited on 4,540 shares across 13 trades and broker 94, K.B.L. Securities Limited on 4,500 shares across 1 trades.
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.
| Financial year | Bonus share | Cash dividend | Announced |
|---|---|---|---|
| 2082/2083 | 3.8% | 2026-09-22 | |
| 2081/2082 | 5% | 2025-11-05 | |
| 2080/2081 | 4% | 2024-10-09 | |
| 2079/2080 | 5.79% | 2023-09-21 | |
| 2078/2079 | 9% | 2022-09-28 |
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.
Annual and special general meetings Citizens Bank International Limited has called. A dividend is declared by the board and approved at the AGM.
6 years of annual statements and 11 quarters of results for CZBIL, with charts and peer comparison, are free on NepView.
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