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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 282

2887 posts

Hydropower2 min read
Hydropower Investment by Commercial Banks Exceeds Regulatory Requirements
The proactive approach of Nepal's commercial banks towards meeting and exceeding regulatory requirements for hydropower investment is a positive development. It highlights the crucial role of the banking sector in supporting national infrastructure projects and fostering sustainable economic growth.
Sandeep Chaudhary17 Jun, 2024
Agriculture Loan2 min read
Banks Mandated to Allocate 13% of Loans to Agriculture by Mid-2023, 14% by Mid-2024
In conclusion, while the banking sector shows a positive trend towards meeting agricultural lending targets, there is still room for improvement among certain institutions. Continued efforts and strategic initiatives will be key to achieving the upcoming milestones and supporting the growth and sustainability of Nepal's agricultural sector
Sandeep Chaudhary17 Jun, 2024
SLR2 min read
High SLR Ratios Among Nepali Banks Indicate Strong Liquidity Positions
The high SLR percentages across these banks highlight the strong liquidity positions within the Nepali banking sector. By maintaining substantial liquid reserves, these institutions not only comply with regulatory requirements but also reinforce their resilience against potential financial adversities, thereby ensuring sustained trust and stability in the banking system.
Sandeep Chaudhary15 Jun, 2024
Net Liquidity1 min read
Analysis of Nepal Banking Sector Net Liquidity Percentages As on Chait end, 2080 (Mid-April 2024)
Overall, while many banks in Nepal exhibit strong liquidity positions, ensuring they can meet depositor demands and regulatory requirements, some banks need to enhance their liquidity management practices. Maintaining a healthy net liquidity percentage is crucial for sustaining depositor confidence and achieving long-term financial stability.
Sandeep Chaudhary15 Jun, 2024
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
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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

NEPSEtrading

Primary issues

Income & debt

Live market

Read & learn

NEPSE Trading Network

Insights & Analysis

All Articles — Page 282

Hydropower Investment by Commercial Banks Exceeds Regulatory Requirements

Banks Mandated to Allocate 13% of Loans to Agriculture by Mid-2023, 14% by Mid-2024

High SLR Ratios Among Nepali Banks Indicate Strong Liquidity Positions

Analysis of Nepal Banking Sector Net Liquidity Percentages As on Chait end, 2080 (Mid-April 2024)

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

NEPSEtrading

Primary issues

Income & debt

Live market

Read & learn

NEPSE Trading Network

Insights & Analysis

All Articles — Page 282

Hydropower Investment by Commercial Banks Exceeds Regulatory Requirements

Banks Mandated to Allocate 13% of Loans to Agriculture by Mid-2023, 14% by Mid-2024

High SLR Ratios Among Nepali Banks Indicate Strong Liquidity Positions

Analysis of Nepal Banking Sector Net Liquidity Percentages As on Chait end, 2080 (Mid-April 2024)

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