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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 69

2772 posts

Top2 min read
Analyzing Himalayan Bank’s Q2: A Post-Merger Struggle as Bad Loans Hit 7.96%
Analyzing Himalayan Bank’s Q2: A Post-Merger Struggle as Bad Loans Hit 7.96% KATHMANDU – Himalayan Bank Limited (HBL), which significantly scaled its operations following the acquisition of Civil Bank, is now facing a severe test of its asset quality. The bank’s second-quarter (Q2) financial results for the current fiscal year (2082/83) reveal a double-digit decline in profitability and a sharp spike in toxic loans, signaling that the "merger synergy" is being overshadowed by a "recovery crisis."
Dipesh Ghimire29 Jan, 2026
Top2 min read
Analyzing Nepal’s New Financial Roadmap: A Digital-First Shift to Stabilize a Strained Economy
Analyzing Nepal’s New Financial Roadmap: A Digital-First Shift to Stabilize a Strained Economy KATHMANDU – The Government of Nepal has unveiled its Second Financial Sector Development Strategy (2025/26–2029/30), a comprehensive five-year manifesto aimed at pulling the financial sector out of its post-pandemic lethargy and thrusting it into a high-tech future. This isn't just a policy update; it is a calculated pivot toward Green Finance, Artificial Intelligence, and Neo-banking, designed to raise the financial sector's contribution to the national GDP to 7.5% by 2030.
Dipesh Ghimire29 Jan, 2026
Top2 min read
Analyzing NMB Bank’s Q2: Core Business Resilience Overshadowed by Sharp Provisioning Spike
Analyzing NMB Bank’s Q2: Core Business Resilience Overshadowed by Sharp Provisioning Spike KATHMANDU – NMB Bank Limited (NMB) has reported a complex set of second-quarter (Q2) results for the current fiscal year (2082/83), presenting a classic case of operational strength versus macroeconomic headwinds. While the bank successfully accelerated its core revenue streams, a significant surge in bad loan provisions has resulted in a 17.71% decline in net profit. The bank’s net profit for the first six months of the fiscal year stood at NPR 1.64 billion, down from the NPR 2.00 billion recorded during the same period last year. The Revenue Engine: Growing Against the Tide A detailed look at the numbers shows that NMB’s core banking business remains robust.
Dipesh Ghimire29 Jan, 2026
Top3 min read
Analyzing NIC Asia’s Q2: Strategic Retreat or a Deepening Crisis as Distributable Deficit Hits NPR 7.39 Billion?
Analyzing NIC Asia’s Q2: Strategic Retreat or a Deepening Crisis as Distributable Deficit Hits NPR 7.39 Billion? KATHMANDU – NIC Asia Bank (NICA), which for years set a high-octane pace for Nepal’s banking sector through aggressive expansion, is now facing its most significant period of cooling. The bank’s second-quarter (Q2) financial results for the current fiscal year (2082/83) reflect a stark reversal, marked by shrinking net profits and a massive distributable deficit that effectively locks the bank out of dividend distribution for the foreseeable future. The bank reported a net profit of NPR 131.1 million for the first half of the fiscal year—a 13.54% contraction compared to the NPR 151.7 million it earned during the same period last year. While the drop in net profit is concerning, the real story lies in the "cleaning" of its massive balance sheet. The Weight of Provisions The decline in profit is a direct consequence of the bank's rising risk profile.
Dipesh Ghimire29 Jan, 2026
Top2 min read
Nabil Bank Defies Market Odds: Profits Leap 47% to NPR 4.75 Billion
Nabil Bank Defies Market Odds: Profits Leap 47% to NPR 4.75 Billion KATHMANDU – In an economy where most commercial banks are struggling to stay afloat, Nabil Bank Limited (NABIL) has emerged as a powerhouse of recovery. The bank’s second-quarter (Q2) financial results for the current fiscal year have sent a strong signal to the market, showing a massive 46.71% surge in net profit, totaling NPR 4.75 billion. This double-digit growth marks a dramatic shift from the NPR 3.24 billion reported in the previous year’s mid-term report, cementing Nabil’s status as a market leader in asset management.
Dipesh Ghimire29 Jan, 2026
Top2 min read
Laxmi Sunrise Bank Slips into NPR 273 Million Loss as Bad Loan Provisions Surge
Laxmi Sunrise Bank Slips into NPR 273 Million Loss as Bad Loan Provisions Surge KATHMANDU – Laxmi Sunrise Bank Limited (LSL), formed through a high-profile merger to become one of Nepal’s largest private lenders, has reported a surprising net loss for the second quarter of the current fiscal year. The unaudited financial statement reveals a stark reversal of fortune, moving from a healthy profit last year to a deficit in the first six months of the current period. The bank recorded a net loss of NPR 273.6 million as of mid-January (Poush end). This stands in sharp contrast to the NPR 1.16 billion net profit the bank earned during the same period in the previous fiscal year.
Dipesh Ghimire29 Jan, 2026
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Top2 min read
Analyzing Standard Chartered Nepal’s Q2: Strategic Caution or a Profitability Crisis?
Analyzing Standard Chartered Nepal’s Q2: Strategic Caution or a Profitability Crisis? KATHMANDU – For years, Standard Chartered Bank Nepal (SCB) has been the gold standard for banking efficiency in Nepal. However, its second-quarter (Q2) financial results for the current fiscal year suggest that even the most seasoned international players are not immune to the domestic economic slowdown. The bank reported a 16.29% drop in net profit, falling to NPR 1.37 billion. While on the surface this looks like a setback, a deeper look at the data reveals a bank prioritizing "Safety over Scale." The Net Interest Income Squeeze The most telling figure in SCB’s report is the 9.13% decline in net interest income.
Dipesh Ghimire29 Jan, 2026
Top2 min read
Analyzing Global IME Bank’s Q2 Performance: A Balance of Stability and Growth Challenges
Analyzing Global IME Bank’s Q2 Performance: A Balance of Stability and Growth Challenges KATHMANDU – Global IME Bank (GBIME), the heavy hitter of Nepal’s banking sector, has unveiled its second-quarter financial results for the current fiscal year. While the headline numbers show a steady ship, a deeper dive into the balance sheet reveals a bank navigating through a complex interest rate environment while leaning on its massive scale for stability. The Profitability Pivot The bank reported a net profit of NPR 3.25 billion, a 6.50% growth year-on-year. While a growth of six percent might seem modest compared to the high-flying years of the past, in the current sluggish economy, this represents a resilient performance. Interestingly, this profit growth did not come from its core lending business—net interest income actually fell by 3.33%. Instead, the bank compensated for this by boosting its non-interest income, particularly from fees and commissions, which jumped by nearly 10%.
Dipesh Ghimire29 Jan, 2026
NEPSE2 min read
NEPSE Navigates Volatility: Market Holds Support at 2,731 Amidst Election Optimism
NEPSE Navigates Volatility: Market Holds Support at 2,731 Amidst Election Optimism The Nepal Stock Exchange (NEPSE) witnessed a day of intense "tug-of-war" between buyers and sellers on Wednesday. Despite significant intraday fluctuations, the benchmark index managed to close in green, gaining 5.38 points (0.20%) to settle at 2,731.89 points. The market opened with uncertainty following Tuesday’s sharp decline of 42.58 points. However, positive sentiment surrounding the upcoming election announcement acted as a catalyst, preventing a further slide. While the index showed resilience, investor caution was evident as the total turnover dropped to NPR 11.49 billion, compared to NPR 14.16 billion in the previous session. Sectoral Performance and Top Gainers The day was marked by a mixed performance across sub-indices. Eight out of thirteen sectors closed in positive territory. The Finance sector led the gains with a 1.24% increase, followed by significant interest in Hydropower. Conversely, heavyweights like Commercial Banks, Life Insurance, and Microfinance faced selling pressure, dragging down their respective indices.
Dipesh Ghimire28 Jan, 2026
Top2 min read
Court Case Against CDSC, But Market Obstacles Persist
Court Case Against CDSC, But Market Obstacles Persist In the ongoing legal battle against the CDS and Clearing Limited (CDSC), the affected parties have been forced to seek legal recourse. The Patan High Court has taken the petition filed by Pure Energy seriously, issuing an order for an expedited hearing. The court's involvement in the case reflects the growing concerns surrounding the halt in the dematerialization process and its implications for the capital market. In the case involving the Golyam Group, although the court did not issue an interim order, it provided legal interpretation suggesting that the existing single ISIN system could proceed as per its current application. This directive appeared to align with the established legal framework. However, despite these legal instructions, the CDSC's ongoing obstruction of share dematerialization has led to further concerns that the issue is being deliberately prolonged. The actions taken so far have done little to resolve the core issue, instead deepening market uncertainty.
Dipesh Ghimire28 Jan, 2026

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Insights & Analysis

All Articles — Page 69

Analyzing Himalayan Bank’s Q2: A Post-Merger Struggle as Bad Loans Hit 7.96%

Analyzing Nepal’s New Financial Roadmap: A Digital-First Shift to Stabilize a Strained Economy

Analyzing NMB Bank’s Q2: Core Business Resilience Overshadowed by Sharp Provisioning Spike

Analyzing NIC Asia’s Q2: Strategic Retreat or a Deepening Crisis as Distributable Deficit Hits NPR 7.39 Billion?

Nabil Bank Defies Market Odds: Profits Leap 47% to NPR 4.75 Billion

Laxmi Sunrise Bank Slips into NPR 273 Million Loss as Bad Loan Provisions Surge

Analyzing Standard Chartered Nepal’s Q2: Strategic Caution or a Profitability Crisis?

Analyzing Global IME Bank’s Q2 Performance: A Balance of Stability and Growth Challenges

NEPSE Navigates Volatility: Market Holds Support at 2,731 Amidst Election Optimism

Court Case Against CDSC, But Market Obstacles Persist

NEPSEtrading

Primary issues

Income & debt

Live market

Read & learn

NEPSE Trading Network

Insights & Analysis

All Articles — Page 69

Analyzing Himalayan Bank’s Q2: A Post-Merger Struggle as Bad Loans Hit 7.96%

Analyzing Nepal’s New Financial Roadmap: A Digital-First Shift to Stabilize a Strained Economy

Analyzing NMB Bank’s Q2: Core Business Resilience Overshadowed by Sharp Provisioning Spike

Analyzing NIC Asia’s Q2: Strategic Retreat or a Deepening Crisis as Distributable Deficit Hits NPR 7.39 Billion?

Nabil Bank Defies Market Odds: Profits Leap 47% to NPR 4.75 Billion

Laxmi Sunrise Bank Slips into NPR 273 Million Loss as Bad Loan Provisions Surge

Analyzing Standard Chartered Nepal’s Q2: Strategic Caution or a Profitability Crisis?

Analyzing Global IME Bank’s Q2 Performance: A Balance of Stability and Growth Challenges

NEPSE Navigates Volatility: Market Holds Support at 2,731 Amidst Election Optimism

Court Case Against CDSC, But Market Obstacles Persist