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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 229

2881 posts

#BaseRate #NepalBanking #Borro1 min read
Why Base Rate Matters for Borrowers and Investors
The base rate matters because it is the foundation of lending rates in Nepal. For borrowers, it determines loan affordability, and for investors, it signals how competitive and profitable a bank might be. As of mid-July 2025, Nepal’s average base rate is 5.99%, with RBB (4.78%) and Standard Chartered (4.96%) offering the lowest lending costs, while banks like NIC Asia (7.04%) and Himalayan (6.57%) operate at higher ends.
Sandeep Chaudhary25 Sep, 2025
#NepalBanking #SpreadRate #Loa1 min read
Spread Rate Comparison Which Bank Earns More from Loans?
As of mid-July 2025, NIC Asia Bank leads with the highest spread rate of 3.99%, followed by NMB, Machhapuchhre, and Prabhu in the 3.7–3.8% range. On the other hand, Nepal Investment Mega Bank (3.01%) and Standard Chartered (3.53%) operate on thinner margins. Overall, the sector’s average spread stands at 3.66%, reflecting stable profitability trends.
Sandeep Chaudhary25 Sep, 2025
#NepalBanking #BaseRate #Lendi1 min read
Base Rate of Nepali Banks Who Offers the Lowest Lending Rate?
As of mid-July 2025, the lowest base rate in Nepal’s banking sector is offered by Standard Chartered Bank at 4.96%, followed by Nabil Bank and Global IME in the 5.5–5.7% range. The average base rate across the sector is 5.99%, indicating cheaper credit than in past years. Borrowers benefit most from banks with strong liquidity positions and efficient operations, while those tied to high-base-rate banks face costlier credit.
Sandeep Chaudhary25 Sep, 2025
#NepalBanking #Deposits #Liqui2 min read
Nepal’s Commercial Banks Deposits Cross Rs. 65 Trillion What It Means
Nepal’s commercial banks now hold over Rs. 65 trillion in deposits, with state-owned and large private banks leading the race. While this strengthens liquidity and depositor safety, the relatively low CD ratio highlights under-utilization of funds. The next challenge will be to channel these deposits into productive lending to fuel economic growth.
Sandeep Chaudhary25 Sep, 2025
#NepalBanking #DepositorSafety2 min read
How Safe Are Deposits? Understanding SLR & Net Liquidity Ratios
Nepal’s banks, as of July 2025, hold average SLR at 30.13% and Net Liquidity at 35.07%, showing the system is well-protected against liquidity shocks. RBB, Standard Chartered, and ADBL stand out as leaders in depositor safety, while private giants like Global IME and NIC Asia also maintain healthy cushions. A few banks operate with leaner liquidity buffers, meaning depositor safety remains strong overall but varies by institution.
Sandeep Chaudhary25 Sep, 2025
#NepalBanking #CustomerDeposit1 min read
Top Banks by Customer Deposits in Nepal – 2025 Ranking
As of July 2025, Global IME Bank (Rs. 575B), Nabil Bank (Rs. 532B), and Rastriya Banijya Bank (Rs. 502B) stand as the top three banks in Nepal by customer deposits. State-owned banks maintain trust-driven deposits, while private banks—especially Global IME and Nabil—are aggressively mobilizing funds to secure leadership positions. The trend indicates a shift from government-backed dominance to competitive private sector growth, reshaping Nepal’s banking deposit landscape.
Sandeep Chaudhary25 Sep, 2025
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#NepalBanking #LiquidityManage1 min read
Deposits vs Loans – Which Banks Are Managing Liquidity Well?
The analysis highlights a dual trend in Nepal’s banking sector: state-owned banks prioritize liquidity security with lower CD ratios, while private banks aggressively expand loans with higher ratios. The sector-wide average of 76.63% reflects moderate lending activity, but the sharp contrast between conservative public banks and profit-driven private banks underscores differing strategies. Overall, the system remains stable, though high CD ratios in private banks signal potential stress points if deposit growth slows.
Sandeep Chaudhary24 Sep, 2025
#NepalBanking #CDRatio #Liquid1 min read
CD Ratio Trends in Nepali Banking Sector – Asadh 2082
The CD ratio trend in Asadh 2082 shows private banks leading with higher loan-to-deposit activity, while state-owned banks remain conservative with much lower ratios. The sector average of 76.63% indicates a moderately aggressive lending stance overall. Banks like Citizens, NMB, and Prime are more aggressive in loan mobilization, whereas RBB, NBL, and ADBL preserve stronger liquidity cushions. This divergence highlights a dual banking strategy in Nepal—profit-driven private banks vs stability-oriented state banks.
Sandeep Chaudhary24 Sep, 2025
#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

NEPSEtrading

Primary issues

Income & debt

Live market

Read & learn

NEPSE Trading Network

Insights & Analysis

All Articles — Page 229

Why Base Rate Matters for Borrowers and Investors

Spread Rate Comparison Which Bank Earns More from Loans?

Base Rate of Nepali Banks Who Offers the Lowest Lending Rate?

Nepal’s Commercial Banks Deposits Cross Rs. 65 Trillion What It Means

How Safe Are Deposits? Understanding SLR & Net Liquidity Ratios

Top Banks by Customer Deposits in Nepal – 2025 Ranking

Deposits vs Loans – Which Banks Are Managing Liquidity Well?

CD Ratio Trends in Nepali Banking Sector – Asadh 2082

Which Bank Has the Best Liquidity Position in Nepal?

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

NEPSEtrading

Primary issues

Income & debt

Live market

Read & learn

NEPSE Trading Network

Insights & Analysis

All Articles — Page 229

Why Base Rate Matters for Borrowers and Investors

Spread Rate Comparison Which Bank Earns More from Loans?

Base Rate of Nepali Banks Who Offers the Lowest Lending Rate?

Nepal’s Commercial Banks Deposits Cross Rs. 65 Trillion What It Means

How Safe Are Deposits? Understanding SLR & Net Liquidity Ratios

Top Banks by Customer Deposits in Nepal – 2025 Ranking

Deposits vs Loans – Which Banks Are Managing Liquidity Well?

CD Ratio Trends in Nepali Banking Sector – Asadh 2082

Which Bank Has the Best Liquidity Position in Nepal?

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