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The NEPSE Journal

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

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2899 posts

#KumariBank #LaxmiSunriseBank 2 min read
Kumari Bank & Laxmi Sunrise Merger Impact on 2025 Indicators
The Kumari–Laxmi Sunrise merger will create a stronger, capital-rich private bank with over Rs. 90 billion in capital funds and Rs. 751 billion in deposits, positioning it among Nepal’s top banks. While the combined NPL ratio poses a challenge, the merger improves capital strength, liquidity stability, and compliance with NRB’s sectoral mandates, making it a significant step in Nepal’s ongoing banking consolidation drive.
Sandeep Chaudhary25 Sep, 2025
#NICAAsiaBank #SpreadRate #Len1 min read
NIC Asia’s High Spread and Lending Strategy Explained
NIC Asia Bank leverages its high spread rate (3.99%) to drive profitability, supported by aggressive lending and strong deposit mobilization. While this boosts margins, it also exposes the bank to higher credit risks, as seen in its elevated NPLs. Its compliance with sectoral lending norms and decent capital adequacy offer a safety net, but sustaining this strategy will depend on balancing growth with asset quality.
Sandeep Chaudhary25 Sep, 2025
#RBBvsNBL #StateBanksNepal #Ne1 min read
Rastriya Banijya Bank vs Nepal Bank Which State Bank Is Stronger?
Rastriya Banijya Bank is stronger in liquidity and market dominance, while Nepal Bank Limited holds the edge in capital adequacy and sectoral compliance. RBB ensures depositor safety through scale and stability, while NBL provides resilience through a healthier capital buffer and greater alignment with NRB’s developmental priorities.
Sandeep Chaudhary25 Sep, 2025
#StandardCharteredNepal #CAR #1 min read
Standard Chartered Nepal Highest CAR Lowest NPL?
Standard Chartered Nepal sets the gold standard in banking stability with the highest CAR (17.82%) and the lowest net NPL (0.29%) in the country. Its global risk management practices, conservative lending, and high liquidity make it one of the safest banks for depositors and investors. However, its limited involvement in agriculture and SME lending shows a cautious, corporate-centric model rather than an aggressive growth path. For risk-averse investors, SCBNL represents safety, discipline, and consistency in Nepal’s volatile banking sector.
Sandeep Chaudhary25 Sep, 2025
#NepalBanking #NabilBank #Glob1 min read
Nabil Bank vs Global IME Who Leads Nepal’s Private Banking?
The battle between Nabil Bank and Global IME highlights two distinct leadership styles in Nepal’s private banking: Global IME dominates in scale—capital, deposits, loans, and liquidity—making it the largest private bank, while Nabil positions itself as a quality-driven leader with lower lending rates, stronger asset quality, and better compliance with productive sector mandates. For investors, Global IME offers size and reach, whereas Nabil offers efficiency, stability, and customer appeal.
Sandeep Chaudhary25 Sep, 2025
#NepalBanking #PrescribedSecto1 min read
Why Prescribed Sector Lending Matters for Investors
Prescribed sector lending is not just a regulatory checkbox but a critical indicator of sustainable banking in Nepal. State-owned giants like ADBL, NBL, and RBB lead compliance, while private players such as NMB, Prabhu, and NIC Asia show strong engagement in priority sectors. For investors, higher prescribed sector exposure means better alignment with national priorities, long-term growth prospects, and regulatory security, whereas lagging banks risk compliance challenges and missed opportunities.
Sandeep Chaudhary25 Sep, 2025
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#NepalBanking #SectoralLending1 min read
Sectoral Lending Mandates Compliance Check Asadh 2082
As of mid-July 2025, most state-owned banks (ADBL, Nepal Bank, RBB) and proactive private banks like NMB, Sanima, Citizens, and NIC Asia comply with NRB’s sectoral lending mandates, supporting agriculture, energy, and SMEs. But foreign and conservative banks such as Standard Chartered, Everest, Himalayan, and SBI consistently fall short, exposing compliance gaps in priority sector financing.
Sandeep Chaudhary25 Sep, 2025
#NepalBanking #ProductiveSecto1 min read
Top Banks Supporting Productive Sectors of Nepal’s Economy
As of July 2025, Agriculture Development Bank (59.55%) leads all banks in productive sector financing, followed by Nepal Bank (36.97%), RBB (36.46%), and private leaders like Nabil, NIC Asia, Prabhu, and NMB, all above 30%. These banks are actively fueling agriculture, energy, and SME growth, while others remain moderate contributors.
Sandeep Chaudhary25 Sep, 2025
#NepalBanking #SMELending #MCS1 min read
Micro Cottage Small & Medium Enterprise (MCSME) Lending Trends
As of July 2025, ADBL (24.64%), Nepal Bank (17.59%), and NIC Asia (16.74%) are leading in SME financing, far above NRB’s 11% requirement, while Standard Chartered (4.55%), Himalayan (4.51%), and SBI (6.91%) lag far behind, showing uneven commitment across the sector.
Sandeep Chaudhary25 Sep, 2025
#NepalBanking #EnergyFinance #1 min read
Energy Sector Lending Banks Meeting NRB’s 6.5% Target?
As of July 2025, banks such as NMB (13.05%), Sanima (13.14%), Kumari (11.38%), Laxmi Sunrise (10.37%), and Citizens (12.24%) are leading in meeting NRB’s 6.5% energy sector lending target. In contrast, big names like NIC Asia (2.61%) and some government banks show weaker alignment, raising questions about sectoral priorities.
Sandeep Chaudhary25 Sep, 2025

NEPSEtrading

Primary issues

Income & debt

Live market

Read & learn

NEPSE Trading Network

Insights & Analysis

All Articles — Page 229

Kumari Bank & Laxmi Sunrise Merger Impact on 2025 Indicators

NIC Asia’s High Spread and Lending Strategy Explained

Rastriya Banijya Bank vs Nepal Bank Which State Bank Is Stronger?

Standard Chartered Nepal Highest CAR Lowest NPL?

Nabil Bank vs Global IME Who Leads Nepal’s Private Banking?

Why Prescribed Sector Lending Matters for Investors

Sectoral Lending Mandates Compliance Check Asadh 2082

Top Banks Supporting Productive Sectors of Nepal’s Economy

Micro Cottage Small & Medium Enterprise (MCSME) Lending Trends

Energy Sector Lending Banks Meeting NRB’s 6.5% Target?

NEPSEtrading

Primary issues

Income & debt

Live market

Read & learn

NEPSE Trading Network

Insights & Analysis

All Articles — Page 229

Kumari Bank & Laxmi Sunrise Merger Impact on 2025 Indicators

NIC Asia’s High Spread and Lending Strategy Explained

Rastriya Banijya Bank vs Nepal Bank Which State Bank Is Stronger?

Standard Chartered Nepal Highest CAR Lowest NPL?

Nabil Bank vs Global IME Who Leads Nepal’s Private Banking?

Why Prescribed Sector Lending Matters for Investors

Sectoral Lending Mandates Compliance Check Asadh 2082

Top Banks Supporting Productive Sectors of Nepal’s Economy

Micro Cottage Small & Medium Enterprise (MCSME) Lending Trends

Energy Sector Lending Banks Meeting NRB’s 6.5% Target?