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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 228

2793 posts

#NepalEconomy #BankingSector #2 min read
Capital Adequacy Ratio at 13.19%: Meeting Regulatory Norms or Falling Short?
Nepal’s banking sector maintains a CAR of 13.19%, above the regulatory minimum of 11%, signaling compliance and resilience. However, rising NPLs, high funding costs, and rapid credit growth suggest that capital buffers may be tested in the future. The sector is meeting norms, but ensuring genuine resilience will require stronger core capital and prudent risk management.
Sandeep Chaudhary23 Sep, 2025
#NepalEconomy #BankingSector #1 min read
Government Securities Hold 15% of Deposits: A Safety Net for Nepal’s Banks
Nepal’s banks hold 15% of deposits in government securities, providing a secure safety net against rising credit risks while also supporting state financing. This strengthens liquidity and stability but could constrain private-sector credit if the balance tilts too far toward government lending.
Sandeep Chaudhary23 Sep, 2025
#NepalEconomy #BankingSector #1 min read
Cash & Bank Balance Covers 7.8% of Deposits: Healthy Cushion or Liquidity Stress?
Nepal’s banking sector holds cash and bank balances equal to 7.8% of deposits—enough to provide a short-term cushion but also signaling potential liquidity stress if deposit growth slows or withdrawals rise. While it reflects prudent management, the balance between maintaining liquidity and pushing credit expansion remains delicate.
Sandeep Chaudhary23 Sep, 2025
#NepalEconomy #BankingSector #1 min read
NPL Levels Rise to 4.62%: Are Credit Risks Growing Across Class A, B, and C Banks?
Nepal’s NPL ratio of 4.62% highlights a growing concern over credit quality, with finance companies showing severe stress at over 11%. While commercial banks remain relatively stable, development banks and finance companies are facing mounting risks. The challenge for Nepal’s banking sector will be to balance credit growth with stronger risk management, ensuring that rising defaults do not undermine financial stability.
Sandeep Chaudhary23 Sep, 2025
#NepalEconomy #BankingSector #1 min read
Saving Deposits at 37%: Stable Base or Declining Investor Confidence?
Savings deposits, at 37% of total deposits, continue to serve as a vital low-cost funding base for Nepal’s banks, ensuring liquidity and financial inclusion. Yet, the declining share compared to fixed deposits signals shifting investor behavior toward higher returns, raising questions about long-term confidence in savings accounts and creating challenges for banks in managing costs and liquidity.
Sandeep Chaudhary23 Sep, 2025
#NepalEconomy #BankingSector #1 min read
Fixed Deposits Dominate at 48%: What It Means for Liquidity and Savings Trends
With fixed deposits making up 48% of total deposits, Nepal’s banks enjoy stable funding but face higher interest costs and reduced liquidity flexibility. This trend shows public confidence in banks and a preference for guaranteed returns, but it also puts pressure on profitability and risk management.
Sandeep Chaudhary23 Sep, 2025
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#NepalEconomy #BankingSector #1 min read
CD Ratio at 76%: How Banks Are Balancing Lending and Deposits
Nepal’s CD ratio of 76% demonstrates that banks are striking a cautious balance between deposit mobilization and lending. While commercial banks remain conservative, smaller institutions are pushing closer to riskier levels. Overall, the ratio reflects adequate liquidity and prudent financial management, though risks remain if deposit growth slows or loan defaults increase.
Sandeep Chaudhary23 Sep, 2025
#NepalEconomy #BankingSector #2 min read
Credit-to-GDP Ratio at 91%: Is Nepal’s Banking Sector Fueling Growth or Risk?
Nepal’s Credit-to-GDP ratio of 91% demonstrates robust financial deepening, placing banks at the center of economic growth. However, elevated NPLs, aggressive lending by smaller institutions, and reliance on expensive fixed deposits introduce systemic risks. The challenge ahead lies in balancing growth-oriented credit expansion with prudent risk management to avoid a credit-fueled bubble.
Sandeep Chaudhary23 Sep, 2025
#NepalEconomy #BankingSector #2 min read
Nepal’s Deposit-to-GDP Surpasses 118%: Banking Sector’s Expanding Role in the Economy
Nepal’s banking sector has achieved a landmark with deposits exceeding 118% of GDP, reflecting robust savings mobilization, financial inclusion, and digital adoption. While capital adequacy and liquidity remain strong, the challenges lie in rising NPLs and heavy reliance on fixed deposits. The sector stands at the forefront of economic intermediation, playing a pivotal role in sustaining growth, but careful risk management and diversification of funding sources will be crucial moving forward.
Sandeep Chaudhary23 Sep, 2025
Stock Markets3 min read
Youth-Led Movements Reshape South Asian Politics and Stock Markets
Youth-Led Movements Reshape South Asian Politics and Stock Markets Political Upheaval and Economic Tremors A wave of youth-driven protests in South Asia—Bangladesh, Sri Lanka, and Nepal—has not only brought political transformations but also triggered profound economic and financial repercussions. Stock markets, often the first barometer of political stability, reflected both turmoil and optimism during and after these movements.
NEPSE TRADING20 Sep, 2025

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Primary issues

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Insights & Analysis

All Articles — Page 228

Capital Adequacy Ratio at 13.19%: Meeting Regulatory Norms or Falling Short?

Government Securities Hold 15% of Deposits: A Safety Net for Nepal’s Banks

Cash & Bank Balance Covers 7.8% of Deposits: Healthy Cushion or Liquidity Stress?

NPL Levels Rise to 4.62%: Are Credit Risks Growing Across Class A, B, and C Banks?

Saving Deposits at 37%: Stable Base or Declining Investor Confidence?

Fixed Deposits Dominate at 48%: What It Means for Liquidity and Savings Trends

CD Ratio at 76%: How Banks Are Balancing Lending and Deposits

Credit-to-GDP Ratio at 91%: Is Nepal’s Banking Sector Fueling Growth or Risk?

Nepal’s Deposit-to-GDP Surpasses 118%: Banking Sector’s Expanding Role in the Economy

Youth-Led Movements Reshape South Asian Politics and Stock Markets

NEPSEtrading

Primary issues

Income & debt

Live market

Read & learn

NEPSE Trading Network

Insights & Analysis

All Articles — Page 228

Capital Adequacy Ratio at 13.19%: Meeting Regulatory Norms or Falling Short?

Government Securities Hold 15% of Deposits: A Safety Net for Nepal’s Banks

Cash & Bank Balance Covers 7.8% of Deposits: Healthy Cushion or Liquidity Stress?

NPL Levels Rise to 4.62%: Are Credit Risks Growing Across Class A, B, and C Banks?

Saving Deposits at 37%: Stable Base or Declining Investor Confidence?

Fixed Deposits Dominate at 48%: What It Means for Liquidity and Savings Trends

CD Ratio at 76%: How Banks Are Balancing Lending and Deposits

Credit-to-GDP Ratio at 91%: Is Nepal’s Banking Sector Fueling Growth or Risk?

Nepal’s Deposit-to-GDP Surpasses 118%: Banking Sector’s Expanding Role in the Economy

Youth-Led Movements Reshape South Asian Politics and Stock Markets