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The NEPSE Journal

Insights & Analysis

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

All Articles — Page 13

2818 posts

Buddhabhumi Nepal Hydropower 4 min read
Buddhabhumi Nepal Hydropower Returns to Profit as Revenue Rises and Debt Burden Eases
The positive reserve position may eventually improve the company’s ability to distribute dividends. Still, a dividend should not be treated as certain. It will depend on audited profitability, distributable reserves, cash availability, debt obligations, regulatory requirements and the decision of the company’s board and shareholders.
Dipesh Ghimire6 Aug, 2026
ADBL3 min read
ADBL Profit Drops 29.5 Percent as Higher Credit Provisions Weigh on Earnings
The key issue for the bank in the coming fiscal year will be whether it can convert its expanded deposit and credit base into sustainable earnings. Improvement will depend largely on controlling credit risk, recovering stressed loans, maintaining a healthy interest spread and limiting further increases in impairment expenses.
Dipesh Ghimire6 Aug, 2026
Nabil Bank8 min read
Nabil Bank’s Profit Jumps 33.5 Percent, but Lower Credit-Loss Expenses Drive Much of the Gain
Deposits, lending and assets post double-digit growth as the bank strengthens its capital base, while bad loans and weak credit demand remain key risks
Dipesh Ghimire5 Aug, 2026
GBIME8 min read
Global IME Bank’s Profit Jumps 22.7 Percent, but Core Lending Income Remains Weak
The figures also expose significant weaknesses. Net interest income declined, the expansion of lending remained far below deposit growth, surplus liquidity increased and the non-performing loan ratio remained close to 5 percent. Most importantly, the increase in profit was heavily influenced by the Rs 1.19 billion reduction in impairment expenses. This makes the quality of future earnings dependent on whether the bank can prevent bad loans from rising further. The bank’s performance in the next fiscal year should therefore be assessed through three indicators: whether net interest income recovers, whether the NPL ratio declines and whether surplus deposits are converted into sound, income-generating credit. Until those areas improve, the 22.67 percent profit increase represents a stronger financial result—but not yet a complete recovery in the bank’s core business.
Dipesh Ghimire5 Aug, 2026
EBL8 min read
Everest Bank’s Profit Tops Rs 5 Billion as Fee Income and Lending Support Growth
Core interest income remains subdued, while rising capital, a slight increase in bad loans and weak credit demand temper the bank’s otherwise stable performance
Dipesh Ghimire5 Aug, 2026
EDBL3 min read
Excel Development Bank Returns to Profit as Loan-Loss Reversal Lifts Earnings
However, the quality and sustainability of the profit require careful interpretation. Because the impairment reversal made a major contribution to earnings, the same level of profit may not be repeated once the benefit of the write-back disappears. The bank’s longer-term performance will depend on maintaining asset quality, expanding sound lending and generating stronger recurring income without relying heavily on provision reversals.
Dipesh Ghimire4 Aug, 2026
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MANDU3 min read
Mandu Hydropower’s Profit Surges Fivefold, but Core Operating Indicators Send Mixed Signals
Overall, the latest results show a strong recovery in final profit and shareholder returns, but the decline in operating profit and the near-flat movement in total income require closer examination. The headline profit growth is impressive, yet the underlying figures suggest that part of the improvement arose from the absence of unusually high expenses or losses recorded in the previous year rather than from revenue growth alone.
Dipesh Ghimire4 Aug, 2026
SBL6 min read
Siddhartha Bank’s Profit Growth Remains Modest Despite Strong Expansion in Deposits and Revenue
Siddhartha Bank therefore starts the new fiscal year with a stronger deposit base, larger capital and improved core income. Its next challenge will be to deploy excess liquidity profitably, control operating costs, prevent further deterioration in credit quality and convert revenue growth into stronger distributable returns for shareholders.
Dipesh Ghimire4 Aug, 2026
Shine Resunga Development Bank4 min read
Shine Resunga’s Profit Surges 83 Percent as Loan-Loss Charges Decline
The bank’s performance in the new fiscal year will therefore depend less on repeating the benefit of lower provisions and more on improving loan recovery, controlling new defaults, maintaining deposit growth and generating stronger recurring income. Unless asset quality improves, the exceptional profit growth reported this year may be difficult to sustain.
Dipesh Ghimire4 Aug, 2026
NMB5 min read
NMB Bank’s Profit Jumps 40.6 Percent, but Rising Bad Loans Cloud Strong Earnings Growth
The central weakness is the increase in non-performing loans. Unless the bank improves recovery and prevents further deterioration in newly issued credit, rising provisions could weaken future earnings. NMB Bank has therefore entered the new fiscal year with stronger profitability and capital, but its ability to convert that strength into sustainable shareholder returns will depend largely on controlling bad loans, maintaining credit discipline and using its expanded deposit base efficiently.
Dipesh Ghimire4 Aug, 2026

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All Articles — Page 13

Buddhabhumi Nepal Hydropower Returns to Profit as Revenue Rises and Debt Burden Eases

ADBL Profit Drops 29.5 Percent as Higher Credit Provisions Weigh on Earnings

Nabil Bank’s Profit Jumps 33.5 Percent, but Lower Credit-Loss Expenses Drive Much of the Gain

Global IME Bank’s Profit Jumps 22.7 Percent, but Core Lending Income Remains Weak

Everest Bank’s Profit Tops Rs 5 Billion as Fee Income and Lending Support Growth

Excel Development Bank Returns to Profit as Loan-Loss Reversal Lifts Earnings

Mandu Hydropower’s Profit Surges Fivefold, but Core Operating Indicators Send Mixed Signals

Siddhartha Bank’s Profit Growth Remains Modest Despite Strong Expansion in Deposits and Revenue

Shine Resunga’s Profit Surges 83 Percent as Loan-Loss Charges Decline

NMB Bank’s Profit Jumps 40.6 Percent, but Rising Bad Loans Cloud Strong Earnings Growth

NEPSEtrading

Primary issues

Income & debt

Live market

Read & learn

NEPSE Trading Network

Insights & Analysis

All Articles — Page 13

Buddhabhumi Nepal Hydropower Returns to Profit as Revenue Rises and Debt Burden Eases

ADBL Profit Drops 29.5 Percent as Higher Credit Provisions Weigh on Earnings

Nabil Bank’s Profit Jumps 33.5 Percent, but Lower Credit-Loss Expenses Drive Much of the Gain

Global IME Bank’s Profit Jumps 22.7 Percent, but Core Lending Income Remains Weak

Everest Bank’s Profit Tops Rs 5 Billion as Fee Income and Lending Support Growth

Excel Development Bank Returns to Profit as Loan-Loss Reversal Lifts Earnings

Mandu Hydropower’s Profit Surges Fivefold, but Core Operating Indicators Send Mixed Signals

Siddhartha Bank’s Profit Growth Remains Modest Despite Strong Expansion in Deposits and Revenue

Shine Resunga’s Profit Surges 83 Percent as Loan-Loss Charges Decline

NMB Bank’s Profit Jumps 40.6 Percent, but Rising Bad Loans Cloud Strong Earnings Growth