The NEPSE Journal
Insights & Analysis
Market commentary, data deep-dives, and trading notes from the NEPSE Trading desk.
All Articles — Page 228
2899 posts
#BankingHealthCheck #NepalBank1 min readBanking 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 Chaudhary
#CDRatio #BankLending #NepalBa1 min readAre 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 Chaudhary
#NPL #SharePrices #NepseInvest1 min readNPL 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 Chaudhary- Advertisement
#DepositorSafety #LiquidityRat1 min readWhy 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 Chaudhary
#NEPSE #BankingIndicators #Inv2 min readHow 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 Chaudhary
#SanimaBank #LiquidityReview #1 min readSanima Bank Liquidity & Sectoral Lending Performance Review
Sanima Bank demonstrates efficient lending practices with an 81% CD ratio and strong sectoral commitments in agriculture (11.92%) and energy (13.14%). However, its shortfall in MCSME lending (7.88%) and moderate liquidity levels suggest the need for more balance. With a stable CAR of 13.01% and reasonable spread income, the bank is well-capitalized but must focus on SME financing and liquidity strengthening to sustain long-term growth.
Sandeep Chaudhary
#PrabhuBank #LoanGrowth #NPLRi1 min readPrabhu Bank’s Growing Loan Book Risk or Opportunity?
Prabhu Bank’s loan growth is a double-edged sword—it offers income opportunities through strong lending margins and sectoral diversification but also brings higher NPL risks. With a CAR of 13.90% and solid compliance in productive sector lending, the bank has buffers, but success will depend on effective risk management and maintaining asset quality.
Sandeep Chaudhary
