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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 26

2890 posts

NIFRA5 min read
NIFRA’s Profit Drops 20% Despite Strong Loan Expansion
Its future profitability will largely depend on the timely disbursement of approved loans, the income generated from infrastructure projects and its ability to control funding costs. While zero non-performing loans and a strong capital position remain positive, the decline in net interest income and earnings per share shows that improving the return from its expanding business will be the bank’s main challenge.
Dipesh Ghimire23 Jul, 2026
SADBL Sangrila Development3 min read
SADBL Sangrila's 47 Percent Profit Jump Looks Impressive — But the Real Story Is in the Fine Print
The honest interpretation, then, is that Sangrila has had a genuinely good year on its core interest business, but that the spectacular profit figure is amplified by a provisioning decision that sits awkwardly beside a deteriorating loan-quality trend. For shareholders, the immediate rewards are real. For anyone assessing the bank's health over the longer term, the number to watch is not the 47 percent profit growth but the 6.87 percent NPL — because if that trend continues, the impairment charge that flattered this year's profit may well have to rise again, and take some of next year's profit with it.
Dipesh Ghimire22 Jul, 2026
Biraj Bhakta Shrestha 4 min read
Rivers as Heritage, Not Just Resource: Reading the Shift Behind Nepal's New Water Law
Taken together, the meeting represents an ambitious attempt to do three difficult things at once: reconceive rivers as heritage, resolve the federal tangle over who governs water, and modernise the country's energy base — all within a single legislative push. The vision is coherent and, in places, genuinely forward-looking. The harder question, as ever in Nepal's federal experiment, is implementation. Whether this becomes a landmark reform or another well-intentioned framework will depend on whether the promised division of powers holds up once real money, real projects and real provincial ambitions are placed on the table.
Dipesh Ghimire22 Jul, 2026
Cooperative3 min read
125 Depositors, Smallest First: Inside the Slow Grind of Cooperative Refunds
Yet the honest interpretation is one of cautious, incremental progress rather than resolution. The system works, but slowly, and only to the extent that money can be recovered from those who took it. For the depositors paid in this first phase, the relief is real and immediate. For everyone still waiting — especially those with larger balances — the harder truth remains: their recovery is a function not of promises, but of how much of the vanished money can actually be found and returned.
Dipesh Ghimire22 Jul, 2026
Nepal Clearing House Limited 3 min read
What NCHL's New Fee Chart Really Tells Us About the Cost of Going Cashless
Taken as a whole, the schedule is far more than a regulatory disclosure. It is a coherent strategy hidden in a fee table: free at the bottom to win mass adoption, flat and modest in the middle to stay painless, gently steering users from paper to digital, and deliberately cheap on tax payments to support formalisation. The six-monthly disclosure requirement itself adds a layer of transparency, forcing the operator to keep these choices in public view. The real question the numbers raise is not whether the fees are affordable — they plainly are — but whether pricing this low can be sustained as transaction volumes explode, and who ultimately bears the cost of running the rails that increasingly carry Nepal's economy.
Dipesh Ghimire22 Jul, 2026
Department of Commerce3 min read
Small Fines, Big Signal: What the Department's Latest Market Sweep Reveals
Ultimately, this sweep is best understood not as a one-off crackdown but as a snapshot of routine enforcement. The department frames these as regular inspections carried out under the Consumer Protection Act, 2075, and its accompanying 2076 regulations — a continuous, low-intensity presence rather than a dramatic intervention. The real test of such a model is whether steady, repeated checks gradually raise the baseline of compliance across the market, or whether businesses simply absorb the occasional small fine as a minor cost of doing business. On the evidence of this round, where warnings vastly outnumbered penalties, that question remains open.
Dipesh Ghimire22 Jul, 2026
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Iran-US War3 min read
Two Chokepoints, One Crisis: How the Iran-US War Could Squeeze the World's Oil Lifeline
Taken together, the developments point to a conflict that is expanding along three axes at once — militarily across the Gulf, economically along the oil routes, and politically from Washington to Beirut. For analysts, the central worry is no longer just who prevails between Iran and the United States, but whether the world's energy supply and trade arteries can withstand pressure on two chokepoints simultaneously. Until either the strikes ease or the sea lanes are secured, the risk premium on Middle Eastern stability — and on the oil the world depends on — will only keep rising.
Dipesh Ghimire22 Jul, 2026
CB Lama3 min read
Behind the Rs 8 Billion Cooperative Scam: How CB Lama Turned Depositors' Savings Into Land, Colleges and Hospitals
For the thousands still waiting on their money, however, the arrest is only a partial reckoning. Recovering Rs 8 billion tied up in land and businesses registered under individuals is a slow, contested legal process — one that typically outlasts the headlines. Lama's return to custody answers the question of accountability, but the harder question, whether ordinary depositors will ever be made whole, remains firmly unanswered.
Dipesh Ghimire22 Jul, 2026
Nepal's Banks6 min read
Nepal's Banks Are Pouring Money Into Construction — The Question Is Whether the Sector Can Handle It
Nepal has learned that lesson before. The question is whether the lesson has been retained well enough to make this lending cycle different from the ones that came before it.
Dipesh Ghimire21 Jul, 2026
NEPSE8 min read
The North American Trade Order Is Breaking Down — And Nobody Knows How to Stop It
Supply chains, once reorganized, rarely reorganize back. The longer this conflict continues without resolution, the more permanent its structural effects become. That is perhaps the most important thing to understand about what is happening between the United States and Canada right now. It is not just a trade dispute. It is a test of whether the economic architecture of North America — built on the assumption of stable, rules-based, mutually beneficial integration — can survive a period of deliberate disruption by the most powerful participant in the system.
Dipesh Ghimire21 Jul, 2026

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All Articles — Page 26

NIFRA’s Profit Drops 20% Despite Strong Loan Expansion

SADBL Sangrila's 47 Percent Profit Jump Looks Impressive — But the Real Story Is in the Fine Print

Rivers as Heritage, Not Just Resource: Reading the Shift Behind Nepal's New Water Law

125 Depositors, Smallest First: Inside the Slow Grind of Cooperative Refunds

What NCHL's New Fee Chart Really Tells Us About the Cost of Going Cashless

Small Fines, Big Signal: What the Department's Latest Market Sweep Reveals

Two Chokepoints, One Crisis: How the Iran-US War Could Squeeze the World's Oil Lifeline

Behind the Rs 8 Billion Cooperative Scam: How CB Lama Turned Depositors' Savings Into Land, Colleges and Hospitals

Nepal's Banks Are Pouring Money Into Construction — The Question Is Whether the Sector Can Handle It

The North American Trade Order Is Breaking Down — And Nobody Knows How to Stop It

NEPSEtrading

Primary issues

Income & debt

Live market

Read & learn

NEPSE Trading Network

Insights & Analysis

All Articles — Page 26

NIFRA’s Profit Drops 20% Despite Strong Loan Expansion

SADBL Sangrila's 47 Percent Profit Jump Looks Impressive — But the Real Story Is in the Fine Print

Rivers as Heritage, Not Just Resource: Reading the Shift Behind Nepal's New Water Law

125 Depositors, Smallest First: Inside the Slow Grind of Cooperative Refunds

What NCHL's New Fee Chart Really Tells Us About the Cost of Going Cashless

Small Fines, Big Signal: What the Department's Latest Market Sweep Reveals

Two Chokepoints, One Crisis: How the Iran-US War Could Squeeze the World's Oil Lifeline

Behind the Rs 8 Billion Cooperative Scam: How CB Lama Turned Depositors' Savings Into Land, Colleges and Hospitals

Nepal's Banks Are Pouring Money Into Construction — The Question Is Whether the Sector Can Handle It

The North American Trade Order Is Breaking Down — And Nobody Knows How to Stop It