
The NEPSE Journal
Market commentary, data deep-dives, and trading notes from the NEPSE Trading desk.

The bank’s balance sheet also expanded during the year. Deposits increased by 5.46 percent to Rs 277.74 billion, while loans and advances grew by 8.29 percent to Rs 226.44 billion. The higher growth in lending compared to deposits indicates that the bank actively utilized available liquidity to expand credit.

For that reason, the sustainability of Muktinath Bikas Bank's profit will increasingly depend not simply on how much it lends, but on how well those loans perform and how effectively the bank converts its growing deposit base into quality assets.