NEPSE Heatmap

See the whole market at a glance.

Primary issues

Income & debt

Live market

Featured

Insights & Analysis

Expert reads and market education.

Explore

Read & learn

NEPSE Trading Network

The NEPSE Journal

Insights & Analysis

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

All Articles — Page 221

2793 posts

#NepalBanking #LiquidityStreng1 min read
Which Bank Has the Best Liquidity Position in Nepal?
The analysis clearly shows that Standard Chartered Bank Nepal holds the best liquidity position among all commercial banks in Nepal, followed closely by state-owned banks like RBB, Nepal Bank, and ADBL. This strong liquidity profile provides them with higher resilience against deposit withdrawals and market shocks, ensuring financial stability. In contrast, some private banks maintain leaner liquidity buffers, balancing between profitability and prudence.
Sandeep Chaudhary24 Sep, 2025
#NepalBanking #CapitalAdequacy1 min read
Are Nepali Banks Well-Capitalized? Mid-July 2025 Data Insights
Yes, Nepali banks are broadly well-capitalized, with the sector’s CAR (12.78%) and CCAR (10.03%) exceeding regulatory thresholds. Strong banks like Standard Chartered, Prabhu, NIMB, NIC Asia, and ADBL provide leadership in solvency, while some institutions remain closer to the minimum buffer. State-owned banks remain stable but modest in capital strength compared to private leaders. However, rising NPLs and shrinking spreads underline the need for cautious risk management to ensure that capitalization remains strong in the face of future challenges.
Sandeep Chaudhary24 Sep, 2025
#NepalBanking #TotalCapitalFun1 min read
Top Banks by Total Capital Fund in Nepal 2025
In mid-July 2025, Global IME Bank, Nepal Investment Mega Bank, and Nabil Bank are the top three commercial banks in Nepal by Total Capital Fund, each exceeding Rs. 64 billion. Other strong players include Laxmi Sunrise, Kumari, and Prabhu Bank, while Standard Chartered and Nepal SBI rank lower in absolute terms but maintain solid solvency through high CARs. Overall, the data shows that capital concentration remains high in a handful of large banks, making them the backbone of Nepal’s financial stability.
Sandeep Chaudhary24 Sep, 2025
#NepalBanking #CCAR #CapitalAd2 min read
Why CCAR Matters for Investors: NRB Report Explained
The CCAR of 10.03% in Nepal’s banking sector shows that banks are adequately capitalized, but the equity margin is thinner than the overall CAR of 12.78%. High-CCAR banks like Standard Chartered and NIMB offer stronger equity cushions, while banks like RBB and Himalayan Bank remain closer to the minimum. For investors, CCAR matters more than CAR because it represents the core equity available to absorb real losses, making it a key measure of long-term financial resilience and market confidence.
Sandeep Chaudhary24 Sep, 2025
#NepalBanking #CapitalBuffer #1 min read
Nepal Bank, RBB, ADBL vs Private Banks: Capital Buffer Analysis 2082
In mid-July 2025, Nepal Bank, RBB, and ADBL collectively maintain a stable CAR of 12.70%, but their capital buffers remain modest compared to private-sector peers. Private banks not only dominate in absolute capital volume but also include leaders like Standard Chartered, Prabhu, NIMB, and NIC Asia with significantly higher CARs. However, private banks also carry greater lending risks due to high CD ratios. Overall, state banks continue to provide systemic stability through conservative practices, while private banks drive growth with stronger—but uneven—capital positions.
Sandeep Chaudhary24 Sep, 2025
#NepalBanking #CapitalAdequacy1 min read
Which Banks Have the Highest Capital Adequacy Ratio (CAR) in Nepal?
Nepali commercial banks in mid-July 2025 remain adequately capitalized, with a sector-wide CAR of 12.78%. Standard Chartered Bank Nepal leads with 17.82%, followed by Prabhu Bank, Nepal Investment Mega Bank, NIC Asia, and Agriculture Development Bank, which all maintain strong capital cushions. Larger private and state-owned banks hover around the average, while some smaller players show tighter capital positions. While solvency remains sound, banks face pressure from rising NPLs, tighter spreads, and high credit-to-deposit ratios, underlining the importance of prudent capital and risk management.
Sandeep Chaudhary24 Sep, 2025
Advertisement
#NepalBanking #CoreCapital #Co2 min read
Core Capital Strength of Nepali Commercial Banks in Mid-July 2025
Nepali commercial banks in mid-July 2025 collectively hold Rs. 600 billion in core capital and maintain a sector-wide CAR of 12.78%, well above regulatory norms. Large banks such as Global IME, Nabil, and NIMB lead in capital strength, while state-owned banks provide systemic stability. Mid-tier and smaller banks maintain solid liquidity and efficiency but face profitability pressures. The sector remains resilient but cautious, with rising NPLs, tighter spreads, and high CD ratios highlighting areas that need close monitoring.
Sandeep Chaudhary24 Sep, 2025
#NepalEconomy #PublicDebt #Deb2 min read
How Rising Debt/GDP Ratio Shapes Nepal’s Economic Future
Nepal’s debt-to-GDP ratio has climbed to 43–44% in FY 2024/25, reflecting growing reliance on borrowing to finance fiscal gaps. While still manageable, rising debt raises concerns about fiscal sustainability, external vulnerability, and weak capital spending. Nepal’s future depends on channeling debt into high-return projects; otherwise, it risks falling into a debt-dependence cycle.
Sandeep Chaudhary24 Sep, 2025
#NepalEconomy #RecurrentExpend2 min read
Recurrent Expenditure Dominates Budget – Long-Term Risks Ahead
Recurrent expenditure in Nepal accounts for over 16% of GDP, far outweighing capital spending at just 3.6% of GDP. While it sustains government operations, this imbalance poses long-term risks to fiscal sustainability, growth, and job creation. Without reforms to curb recurrent costs and prioritize capital investment, Nepal risks falling into a low-growth, high-debt trap.
Sandeep Chaudhary24 Sep, 2025
2 min read
Fiscal Deficit Trends in Nepal: Lessons from 2020/21 to 2082/83
Nepal’s fiscal deficit trends from 2020/21 to 2082/83 highlight a structural problem: falling revenue-to-GDP (from 22.4% to below 20%), rising recurrent costs, and weak capital expenditure. While debt levels are still manageable, growing reliance on borrowing and early FY 2082/83’s sharp revenue fall (-10.8%) versus expenditure surge (+15.2%) suggest fiscal deficits will deepen unless revenue reforms and spending efficiency improve.
Sandeep Chaudhary24 Sep, 2025

NEPSEtrading

Primary issues

Income & debt

Live market

Read & learn

NEPSE Trading Network

Insights & Analysis

All Articles — Page 221

Which Bank Has the Best Liquidity Position in Nepal?

Are Nepali Banks Well-Capitalized? Mid-July 2025 Data Insights

Top Banks by Total Capital Fund in Nepal 2025

Why CCAR Matters for Investors: NRB Report Explained

Nepal Bank, RBB, ADBL vs Private Banks: Capital Buffer Analysis 2082

Which Banks Have the Highest Capital Adequacy Ratio (CAR) in Nepal?

Core Capital Strength of Nepali Commercial Banks in Mid-July 2025

How Rising Debt/GDP Ratio Shapes Nepal’s Economic Future

Recurrent Expenditure Dominates Budget – Long-Term Risks Ahead

Fiscal Deficit Trends in Nepal: Lessons from 2020/21 to 2082/83

NEPSEtrading

Primary issues

Income & debt

Live market

Read & learn

NEPSE Trading Network

Insights & Analysis

All Articles — Page 221

Which Bank Has the Best Liquidity Position in Nepal?

Are Nepali Banks Well-Capitalized? Mid-July 2025 Data Insights

Top Banks by Total Capital Fund in Nepal 2025

Why CCAR Matters for Investors: NRB Report Explained

Nepal Bank, RBB, ADBL vs Private Banks: Capital Buffer Analysis 2082

Which Banks Have the Highest Capital Adequacy Ratio (CAR) in Nepal?

Core Capital Strength of Nepali Commercial Banks in Mid-July 2025

How Rising Debt/GDP Ratio Shapes Nepal’s Economic Future

Recurrent Expenditure Dominates Budget – Long-Term Risks Ahead

Fiscal Deficit Trends in Nepal: Lessons from 2020/21 to 2082/83