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By Sandeep Chaudhary

Citizen Bank International (CZBIL) Dividend History (2068–2082): From 21% Peak to 5% — Decoding a Decade of Payout Trends

Citizen Bank International (CZBIL) Dividend History (2068–2082): From 21% Peak to 5% — Decoding a Decade of Payout Trends

Citizen Bank International Limited (CZBIL) has demonstrated a fascinating dividend journey over the past decade, mirroring both the evolution of Nepal’s financial landscape and the bank’s own strategic maturity. From FY 2068/69 to FY 2081/82, the bank’s dividend distribution trend showcases a clear shift from aggressive double-digit payouts to measured, sustainable rewards, reflecting a prudent approach to capital management and regulatory compliance.

During the early growth phase, Citizen Bank rewarded shareholders with exceptional dividends, reaching a record high of 21.05% in FY 2071/72. This period was marked by robust profitability, credit expansion, and favorable macroeconomic conditions. Similarly, the bank distributed 18.95% in FY 2070/71, 16.63% in FY 2072/73, and 17% in FY 2073/74, establishing itself as one of Nepal’s most rewarding commercial banks at the time.

However, in recent years, as Nepal Rastra Bank (NRB) introduced stricter capital adequacy and dividend control measures, CZBIL transitioned toward a more conservative dividend policy. The payouts gradually moderated to 11% in FY 2077/78, 9% in FY 2079/80, and finally 5.03% (Cash 5% + Bonus 0.26%) in FY 2081/82. This moderation aligns with the sector-wide emphasis on strengthening core capital, improving liquidity ratios, and reducing risk-weighted exposure.

Despite lower percentages, CZBIL continues to maintain consistency, regularly rewarding shareholders and building investor confidence through transparent performance. At the current market price of NPR 207.8, the cash dividend yield stands at around 2.42%, reflecting both sustainability and long-term reliability. The bank’s approach highlights a commitment to steady shareholder returns, rather than short-term market excitement — a hallmark of mature banking institutions.

Over the past decade, CZBIL’s dividend evolution — from 21% peaks to stable 5% payouts — symbolizes its transformation from an aggressive growth player into a stability-oriented and compliance-driven financial institution. This journey underscores how Nepal’s banking system has evolved from rapid expansion to disciplined financial governance.

If you are interested in learning technical and fundamental stock market analysis to understand dividend trends and financial performance like this, you can join Mr. Sandeep Kumar Chaudhary’s professional online or physical stock market training classes. He is one of Nepal’s leading market analysts and trainers, widely recognized for his expertise in both technical and fundamental approaches to equity analysis. For more details or enrollment, contact +977 9709066745.

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