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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 273

2793 posts

CD ratio1 min read
NIC ASIA Bank Leads in CD Ratio Among Nepali Banks
NIC ASIA Bank has the highest Credit-Deposit (CD) ratio among Nepali banks at 86.11%, according to recent data. Kumari Bank follows with 85.36%, and Prime Commercial Bank is third with 85.10%. Citizens Bank International and Nabil Bank round out the top five with CD ratios of 84.21% and 83.97%, respectively. The high CD ratios indicate a strong lending environment and effective deposit management in Nepal's banking sector.
Sandeep Chaudhary15 Jun, 2024
Bank Loan2 min read
Major Banks in Nepal Report Significant Loan Portfolios: A Comprehensive Analysis
In summary, the significant loan portfolios reported by these banks as of Chait end, 2080 (Mid-April 2024) highlight their vital contributions to the economy, fostering growth and development across various sectors. As the banking sector navigates through challenges and opportunities, these institutions remain integral to the financial stability and progress of Nepal.
Sandeep Chaudhary15 Jun, 2024
Deposit2 min read
Nepalese Banking Sector: A Snapshot of Total Deposits as on Chait End, 2080 (Mid-April 2024)
As we analyze these figures at the close of the fiscal year, it becomes evident that the Nepalese banking sector is characterized by a dynamic and competitive environment. The banks that manage to align their strategies with customer expectations and market demands will likely continue to thrive and expand their deposit bases in the coming years.
Sandeep Chaudhary15 Jun, 2024
CAR2 min read
CAR Interpretation with NRB Regulations and Dividend Restrictions (Chait End, 2080)
The Capital Adequacy Ratio (CAR) is a crucial metric for banks as it ensures that they have enough capital to absorb potential losses and protect depositors. In the context of Nepal Rastra Bank (NRB) regulations, maintaining a minimum CAR of 11% is mandatory. Falling below this threshold can lead to restrictions on dividend distributions and other regulatory actions.
Sandeep Chaudhary15 Jun, 2024
CCAR1 min read
CCAR Non-Compliance: Kumari Bank Ltd. and NIC ASIA Bank Ltd. Face Bonus Distribution Ban
In summary, only Kumari Bank Ltd. and NIC ASIA Bank Ltd. fall below the 8.5% CCAR requirement, and they are restricted from distributing bonuses. All other listed banks meet the regulatory requirement and are eligible to distribute bonuses.
Sandeep Chaudhary15 Jun, 2024
Capital Funds2 min read
Nepal Commercial Bank Capital Funds Update: As of Chait End, 2080 (Mid-April 2024
NRB has set specific capital adequacy requirements that banks must adhere to, often expressed as a percentage of risk-weighted assets. These requirements are part of the broader framework of Basel Accords, which are international banking regulations issued by the Basel Committee on Banking Supervision.
Sandeep Chaudhary15 Jun, 2024
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Core Capital4 min read
Understanding Core Capital || Curent Data of Bank as of 2080-81 (Mid-April 2024)
Core capital is a cornerstone of banking stability and confidence. As regulated by Nepal Rastra Bank, maintaining adequate core capital ensures that banks can absorb losses, remain solvent, and continue supporting economic growth. For depositors, investors, and regulators, understanding and monitoring core capital is essential for assessing the financial health of banks and the stability of the financial system.
Sandeep Chaudhary15 Jun, 2024
FD interest2 min read
Nepal Commercial Bank Fixed Deposit Interest Rates: A Three-Month Comparative Analysis
The fixed deposit interest rates in Nepal show a diverse range of strategies among banks, with some prioritizing stability and others making strategic adjustments to their rates. As the financial landscape continues to evolve, staying informed and making data-driven decisions remains crucial for optimizing returns on fixed deposit investments
Sandeep Chaudhary14 Jun, 2024
GNDI3 min read
What is Gross National Disposable Income (GNDI) and Nepal's Gross National Disposable Income (GNDI) Trends
The GNDI growth trends reveal Nepal's economic resilience and the impact of external factors like the pandemic. The sharp decline in 2019/20 underscores the severity of the global crisis, while the subsequent recovery highlights the country's ability to adapt and bounce back. The projected slowdown in 2023/24 indicates potential challenges ahead, necessitating careful economic planning and strategic policy implementation to sustain growth
Sandeep Chaudhary14 Jun, 2024
GNI4 min read
Understanding Gross National Income (GNI) and Its Growth in Nepal (2018/19 - 2023/24)
Gross National Income is a vital economic indicator that captures the total income of Nepal's residents and businesses, including international earnings. By providing a comprehensive picture of national income, GNI helps in making informed economic decisions, comparing global economies, and allocating international aid. Understanding Nepal's GNI is crucial for anyone interested in economics, as it offers deep insights into the economic well-being of the nation and its citizens.
Sandeep Chaudhary14 Jun, 2024

NEPSEtrading

Primary issues

Income & debt

Live market

Read & learn

NEPSE Trading Network

Insights & Analysis

All Articles — Page 273

NIC ASIA Bank Leads in CD Ratio Among Nepali Banks

Major Banks in Nepal Report Significant Loan Portfolios: A Comprehensive Analysis

Nepalese Banking Sector: A Snapshot of Total Deposits as on Chait End, 2080 (Mid-April 2024)

CAR Interpretation with NRB Regulations and Dividend Restrictions (Chait End, 2080)

CCAR Non-Compliance: Kumari Bank Ltd. and NIC ASIA Bank Ltd. Face Bonus Distribution Ban

Nepal Commercial Bank Capital Funds Update: As of Chait End, 2080 (Mid-April 2024

Understanding Core Capital || Curent Data of Bank as of 2080-81 (Mid-April 2024)

Nepal Commercial Bank Fixed Deposit Interest Rates: A Three-Month Comparative Analysis

What is Gross National Disposable Income (GNDI) and Nepal's Gross National Disposable Income (GNDI) Trends

Understanding Gross National Income (GNI) and Its Growth in Nepal (2018/19 - 2023/24)

NEPSEtrading

Primary issues

Income & debt

Live market

Read & learn

NEPSE Trading Network

Insights & Analysis

All Articles — Page 273

NIC ASIA Bank Leads in CD Ratio Among Nepali Banks

Major Banks in Nepal Report Significant Loan Portfolios: A Comprehensive Analysis

Nepalese Banking Sector: A Snapshot of Total Deposits as on Chait End, 2080 (Mid-April 2024)

CAR Interpretation with NRB Regulations and Dividend Restrictions (Chait End, 2080)

CCAR Non-Compliance: Kumari Bank Ltd. and NIC ASIA Bank Ltd. Face Bonus Distribution Ban

Nepal Commercial Bank Capital Funds Update: As of Chait End, 2080 (Mid-April 2024

Understanding Core Capital || Curent Data of Bank as of 2080-81 (Mid-April 2024)

Nepal Commercial Bank Fixed Deposit Interest Rates: A Three-Month Comparative Analysis

What is Gross National Disposable Income (GNDI) and Nepal's Gross National Disposable Income (GNDI) Trends

Understanding Gross National Income (GNI) and Its Growth in Nepal (2018/19 - 2023/24)