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The NEPSE Journal

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

All Articles — Page 226

2881 posts

#NepalBanking #DepositorSafety1 min read
Which Banks Are Safest for Depositors in Nepal?
Based on mid-2025 indicators, the safest banks for depositors in Nepal are Rastriya Banijya Bank, Nepal Bank, Agriculture Development Bank, and Standard Chartered Bank Nepal. Their strong liquidity ratios ensure resilience during withdrawal surges and financial stress. For cautious depositors, these banks offer higher security, whereas aggressive private banks with thinner liquidity margins may provide better returns but carry slightly higher risk.
Sandeep Chaudhary25 Sep, 2025
#NepalBanking #CAR #NPL #CDRat1 min read
Five-Year Trend of CAR NPL and CD Ratio in Nepal
Nepal’s banking sector from 2020 to 2025 shows declining capital adequacy, rising bad loans, and fluctuating liquidity positions. While banks remain adequately capitalized above regulatory requirements, the sharp rise in NPLs poses a significant threat to financial stability. Liquidity risks have eased since the 2022–23 crisis, but aggressive lending strategies by some private banks keep vulnerabilities alive. For investors and depositors, NPL management and CAR sustainability are the most critical indicators to watch moving forward.
Sandeep Chaudhary25 Sep, 2025
#PublicVsPrivateBanks #NepalBa2 min read
Public vs Private Banks Key Financial Differences in 2025
Public banks (Nepal Bank, RBB, ADBL) remain systemically important with large deposit bases, high liquidity, and developmental lending roles, but they struggle with higher NPLs and weaker profitability. Private banks, on the other hand, excel in capital strength, efficiency, and shareholder returns, though they operate with tighter liquidity buffers and higher lending risks. For investors, private banks look more attractive for growth and dividends, while public banks offer stability and alignment with national development goals.
Sandeep Chaudhary25 Sep, 2025
#BankingHealthCheck #NepalBank1 min read
Banking Sector Health Check Key Takeaways for Investors
Nepal’s banking sector is stable with adequate capital and liquidity, but rising NPLs in some banks highlight risks. Standard Chartered, Everest, Global IME, and ADBL emerge as safe and strong performers, while Prabhu, NIC Asia, Nepal Bank, and RBB carry higher risk. Investors must weigh stability versus growth when picking banking stocks.
Sandeep Chaudhary25 Sep, 2025
#BankingReportCard #NepalBanks2 min read
2025 Mid-Year Banking Report Card Winners & Losers
The mid-2025 NRB data shows a divided banking sector: winners like Standard Chartered, Everest, Global IME, and ADBL shine with strong solvency, liquidity, and sectoral compliance, while laggards such as RBB, Nepal Bank, Prabhu, and NIC Asia face challenges from weaker capital strength, higher NPLs, or over-aggressive lending. The message for investors and depositors is clear: stability lies with well-capitalized and prudent banks, while risk remains with aggressive lenders.
Sandeep Chaudhary25 Sep, 2025
#PrescribedSectorLending #Nepa1 min read
How Prescribed Sector Lending Shapes Nepal’s Economy
Prescribed sector lending is NRB’s strategic tool to align banking with national development. By directing credit to agriculture, energy, and MCSMEs, banks not only comply with regulation but also fuel job creation, rural upliftment, and infrastructure growth. Data from Asadh 2082 shows strong compliance, with ADBL, NMB, and NIC Asia leading in different segments. For Nepal, this lending is not just about regulation—it is a cornerstone of economic transformation.
Sandeep Chaudhary25 Sep, 2025
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#CDRatio #BankLending #NepalBa1 min read
Are Nepali Banks Over-Lending? CD Ratio Explained
Nepali banks, with an average CD ratio of 76.63% in mid-July 2025, are lending aggressively but still within regulatory thresholds. State-owned banks remain more conservative, while private banks like NMB, Citizens, and Prime are pushing riskier lending strategies. CD ratio reveals whether banks are balancing profit with liquidity, making it a key indicator for both depositors and inve
Sandeep Chaudhary25 Sep, 2025
#NPL #SharePrices #NepseInvest1 min read
NPL and Share Prices What Investors Need to Know
High NPL ratios hurt bank earnings, dividends, and ultimately share prices. Banks like Everest, Standard Chartered, and Nepal SBI with low NPLs are safer for investors, while ADBL, Prabhu, and NIC Asia face pressure from higher loan defaults. Investors should track NPL trends as a key driver of NEPSE banking stock performance.
Sandeep Chaudhary25 Sep, 2025
#DepositorSafety #LiquidityRat1 min read
Why Depositors Should Watch Liquidity Ratios Closely
Liquidity ratios—Net Liquidity and SLR—are crucial indicators for depositors to measure the safety of their funds. Banks like Standard Chartered and state-owned lenders provide stronger security due to higher liquidity, while aggressive private banks may carry higher risks despite offering attractive returns. In short, watching liquidity ratios is as important as comparing deposit rates for ensuring financial safety.
Sandeep Chaudhary25 Sep, 2025
#NEPSE #BankingIndicators #Inv2 min read
How Banking Indicators Affect NEPSE Investors
Banking indicators are the heartbeat of NEPSE investing. CAR and CCAR reassure investors of stability, liquidity ratios highlight risk appetite, spread rates reveal profitability, and NPLs uncover true asset quality. For investors, these indicators are not just regulatory checks—they are direct signals of stock performance, dividend prospects, and long-term growth potential.
Sandeep Chaudhary25 Sep, 2025

NEPSEtrading

Primary issues

Income & debt

Live market

Read & learn

NEPSE Trading Network

Insights & Analysis

All Articles — Page 226

Which Banks Are Safest for Depositors in Nepal?

Five-Year Trend of CAR NPL and CD Ratio in Nepal

Public vs Private Banks Key Financial Differences in 2025

Banking Sector Health Check Key Takeaways for Investors

2025 Mid-Year Banking Report Card Winners & Losers

How Prescribed Sector Lending Shapes Nepal’s Economy

Are Nepali Banks Over-Lending? CD Ratio Explained

NPL and Share Prices What Investors Need to Know

Why Depositors Should Watch Liquidity Ratios Closely

How Banking Indicators Affect NEPSE Investors

NEPSEtrading

Primary issues

Income & debt

Live market

Read & learn

NEPSE Trading Network

Insights & Analysis

All Articles — Page 226

Which Banks Are Safest for Depositors in Nepal?

Five-Year Trend of CAR NPL and CD Ratio in Nepal

Public vs Private Banks Key Financial Differences in 2025

Banking Sector Health Check Key Takeaways for Investors

2025 Mid-Year Banking Report Card Winners & Losers

How Prescribed Sector Lending Shapes Nepal’s Economy

Are Nepali Banks Over-Lending? CD Ratio Explained

NPL and Share Prices What Investors Need to Know

Why Depositors Should Watch Liquidity Ratios Closely

How Banking Indicators Affect NEPSE Investors