Compare · Commercial Banks
ADBL vs CZBIL
Agricultural Development Bank and Citizens Bank International, side by side: what Rs 100 became, the figures NEPSE publishes, dividends and each against its sector.
Close · 16 Oct 2026NEPSE published data, may be delayed
Agricultural Development Bank Limited
Citizens Bank International Limited
Rs 100 became…
- ADBLRs 100 becameRs 113.41+13.41% up in 1 year
- CZBILRs 100 becameRs 119.24+19.24% up in 1 year
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Rs 100 in each on the first session of the period, adjusted for bonus shares. Cash dividends are not added back. To the close of 16 Oct 2026.
In plain words
On 16 Oct 2026, ADBL (Agricultural Development Bank Limited) closed at Rs 339.30 and CZBIL (Citizens Bank International Limited) at Rs 221.00. Over the past year, Rs 100 in ADBL became Rs 113 (+13.41%) and in CZBIL Rs 119 (+19.24%), adjusted for bonus shares.
ADBL is the larger company by market value, Rs 4,854 crore against Rs 3,557 crore. Of the 19 commercial banks Punji covers, ADBL is 13th by market value and CZBIL 18th. Cash dividends with a book closure in the last 12 months yield 2.87% on ADBL and 0.21% on CZBIL at the latest close.
Side by side
marks the higher figure. Higher is not better or worse by itself.
| ADBLCommercial Banks | CZBILCommercial Banks | |
|---|---|---|
| Price and returns | ||
| Close, Rs | 339.30 | 221.00 |
| Change, as NEPSE published | +1.65% up | +0.05% up |
| Rs 100 became, 1 year | Rs 113.41 | Rs 119.24, the higher figure |
| Return, 1 month | +11.06% up | +11.36% up, the higher figure |
| Return, 1 year | +13.41% up | +19.24% up, the higher figure |
| 52-week range | ||
| Size and shares | ||
| Market value | Rs 4,854 cr, the higher figure | Rs 3,557 cr |
| Listed shares | 14.31 crore | 16.10 crore, the higher figure |
| Promoter and public | Promoter 51.0%Public 49.0% | Promoter 51.1%Public 48.9% |
| Dividends | ||
| Cash dividend yield, 12 months | 2.87%, the higher figure | 0.21% |
| Latest declaration | 9.75% cash · 3.25% bonus2081/82 | 0.2% cash · 3.8% bonus2082/83 |
| Trading | ||
| Traded value, last 30 days | Rs 105 cr | Rs 128 cr, the higher figure |
| Shares traded, latest session | 2,32,077, the higher figure | 2,25,362 |
| From the quarterly reports | ||
| EPS, P/E, book value and price to book for both, from their latest quarterly reports. | ||
Market value is the close times the listed shares. The 52-week range is NEPSE’s published low and high. Yield is the cash dividends with a book closure in the last 12 months, as a share of the paid-up value, over the close.
Dividends, year by year
As a percentage of paid-up value, as declared. Solid is cash, light is bonus, on one scale.
| Fiscal year | ADBL | CZBIL |
|---|---|---|
| 2082/83 | Not on record | 0.2% cash · 3.8% bonus |
| 2081/82 | 9.75% cash · 3.25% bonus | 0.263% cash · 5% bonus |
| 2080/81 | 7.53% cash · 3% bonus | 0.21% cash · 4% bonus |
| 2079/80 | None declared | 5.79% cash |
| 2078/79 | 11% cash · 2% bonus | 9% cash |
Against the commercial banks
Rank among the 19 commercial banks Punji covers (1st is the highest), and the sector median.
| ADBL | Sector median | CZBIL | |
|---|---|---|---|
| Return, 1 year | +13.41% 11th of 19 | Median +19.24% | +19.24% 10th of 19 |
| Cash dividend yield | 2.87% 3rd of 13 | Median 1.84% | 0.21% 11th of 13 |
| Market value | Rs 4,854 cr 13th of 19 | Median Rs 5,336 cr | Rs 3,557 cr 18th of 19 |
| Traded value, 30 days | Rs 105 cr 15th of 19 | Median Rs 148 cr | Rs 128 cr 12th of 19 |
Dividend yield ranks only the companies that paid a cash dividend in the last 12 months.
Questions
ADBL or CZBIL: questions
Which is bigger, ADBL or CZBIL?
ADBL is larger by market value: Rs 4,854 crore, against Rs 3,557 crore for CZBIL, at the close of 16 Oct 2026. Market value is the share price times the shares listed.
Which has risen more over the past year, ADBL or CZBIL?
Over the past year, Rs 100 in ADBL became Rs 113 (+13.41%) and in CZBIL Rs 119 (+19.24%), adjusted for bonus shares. Cash dividends are not added back. How a share moved in the past does not say how it will move next.
Which pays a higher dividend, ADBL or CZBIL?
ADBL last declared 9.75% cash and 3.25% bonus for 2081/82; CZBIL last declared 0.2% cash and 3.8% bonus for 2082/83. Dividends are declared as a percentage of the paid-up value, not of today’s price, so the cash dividend yield in the table is the comparable figure.
Should I buy ADBL or CZBIL?
Punji does not say. This page lines up the published figures for both and marks neither as better; what fits depends on what you hold, why and for how long.
More comparisons
Also: ADBL stock page, CZBIL stock page, the screener, the heat map and the guides to evaluating banking stocks and bonus and right shares.
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