Excel Development Bank Ltd.

Development BankMid Cap

NPR 568.90

NPR -1.1-0.19%

09:14 AM NPT · Nov 6, 2026

Est. July 21, 2005 · Mukti Chowk, Ward No.-7, Birtamode Municipality, Jhapa, Nepal · CEO: Dr. Indra Kumar Kattel

For more than five decades, Nepal’s development banking sector was dominated by government-owned institutions. With economic liberalization, the private sector began establishing development banks licensed by Nepal Rastra Bank. Among these emerging institutions, Excel Development Bank Limited stands out as a trusted and community-focused development bank. It is licensed under the Banking and Financial Regulation Act, 2061, ensuring regulatory compliance and operational reliability. Promoted by a diverse group of experienced professionals—including bankers, entrepreneurs, educationalists, and technocrats—Excel Development Bank reflects strong leadership and broad sectoral insight. Its central office is located in Birtamode, Jhapa, in Nepal’s far-eastern region. The bank’s operational coverage extends across several districts including Ilam, Jhapa, Morang, Sunsari, Panchthar, Udayapur, Dhankuta, and Sankhuwasabha, enabling widespread access to modern financial services. Excel Development Bank is committed to offering simple, transparent, and customer-friendly banking services, especially to rural and underserved communities. The bank emphasizes modern yet accessible banking procedures, ensuring that even first-time customers can easily navigate financial transactions. With competitive interest rates, the bank prioritizes delivering real value to depositors while also encouraging entrepreneurship and productive economic investment. Excel Development Bank aims to serve as a catalyst for regional development, strengthening local economies through responsible lending, trustworthy financial services, and its dedication to customer satisfaction.

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Trading

Open

563.00

High

572.00

Low

557.00

Prev Close

570.00

Volume

6,588

Turnover

Rs 3,715,121

Txns

Valuation · Q4 FY25/26

EPS Ann.

24.76

EPS TTM

24.76

BVPS

177.85

P/E Ann.

22.98

P/E TTM

22.98

Graham #

314.77

Capital

Mkt Cap

7.11 Arab

Total

1.25 Crore

Public

61.24 Lakh

Promoter

63.73 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Sell

RSI

Neutral

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

46.94

ADX

25.3

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

571.87

SMA 50

573.12

Bands & Channels

BB Width %

4.78%

Volume & Flow

OBV

4,925,083

Flow Analysis

[ Live 2026-11-06 ]

Total Buy

33,262

Shares Bought

Total Sell

33,262

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 47%

Distribution 53%

Accumulators

Quantity

10,832

Amount

6,170,570

Avg Rate

569.66

Rank

#14

Brokers

#33#14#45

Distributors

Quantity

12,280

Amount

6,996,367

Avg Rate

569.74

Rank

#12

Brokers

#22#92#36

Net Flow Impact:

-1,448units

(Rs. -825,797)

Net Flow by Timeframe

EDBL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 51,526 ]

Buy Side

Total: 26,023

Broker

QTY

AVG

NET

5,481

570.09

+5,428

16.5%

3,820

577.98

+1,320

11.5%

3,566

570.74

+3,366

10.7%

2,750

567.91

+1,550

8.3%

1,785

566.20

+1,748

5.4%

1,510

566.99

+1,174

4.5%

1,500

564.00

+1,500

4.5%

1,110

565.59

+1,110

3.3%

1,088

568.80

+983

3.3%

810

580.31

+810

2.4%

600

576.88

+600

1.8%

550

576.34

+470

1.6%

510

572.00

+510

1.5%

493

565.96

+393

1.5%

450

580.10

+450

1.4%

Sell Side

Total: 25,503

Broker

QTY

AVG

NET

6,940

572.98

-6,940

20.9%

3,050

564.33

-3,050

9.2%

3,000

566.70

-480

9.0%

2,290

567.12

-2,290

6.9%

1,500

576.45

-1,400

4.5%

1,325

567.02

-1,125

4.0%

1,000

572.52

-500

3.0%

1,000

571.99

-900

3.0%

991

572.87

-991

3.0%

970

581.67

-870

2.9%

804

572.21

-104

2.4%

784

574.07

-68

2.4%

649

565.93

-629

1.9%

600

577.00

-300

1.8%

600

584.97

-600

1.8%

Financial Fundamentals

Financial Metric	FY25/26 Q4	FY24/25 Q4	FY23/24 Q4	FY22/23 Q4	Growth %
Assets
Cash & Liquidity
Cash & Cash Equivalent	1,407,657	1,487,408	2,057,931	0	-5.36%
Money at Call & Short Notice	1,423,765	611,096	304,452	0	+132.99%
Due from NRB	1,423,765	611,096	304,452	0	+132.99%
Placement with B/FIs	0.00	0.00	0.00	0	-
Loans & Advances
Loans and Advances	13,392,672	12,294,170	11,227,997	0	+8.94%
Loans & Advances to B/FIs	204,037	190,333	397,130	0	+7.20%
Loans & Advances to Customers	13,188,635	12,103,837	10,830,868	0	+8.96%
Investments
Investment Securities	4,191,007	4,003,561	3,092,127	0	+4.68%
Investment in Subsidiaries	0.00	0.00	0.00	0	-
Investment in Associates	0.00	0.00	0.00	0	-
Investment Property	584,556	414,764	308,711	0	+40.94%
Other Assets
Derivative Financial Instruments	0.00	0.00	0.00	0	-
Other Trading Assets	58,911	0	0	0	-
Current Tax Assets	0.00	48588.47	21649.31	0	-100.00%
Deferred Tax Assets	0.00	0.00	0.00	0	-
Goodwill and Intangible Assets	2,864	1,361	2,341	0	+110.41%
Property & Equipment	191,995	183,156	213,597	0	+4.83%
Other Assets	137,929	61,958	64,374	0	+122.62%
Total Assets	21,329,580	19,056,113	17,269,188	0	+11.93%
Liabilities
Borrowings & Funding
Borrowings	177,088	253,177	260,344	0	-30.05%
Borrowing	0.00	0.00	0.00	0	-
Debt Securities Issued	0.00	0.00	0.00	0	-
Subordinated Liabilities	0.00	0.00	0.00	0	-
Interbank & NRB
Due to B/FIs	177,088	253,177	260,344	0	-30.05%
Due to NRB	0.00	0.00	0.00	0	-
Deposits	18,582,215	16,498,527	14,763,481	0	+12.63%
Other Liabilities
Provisions	18,279	14,296	8,417	0	+27.86%
Current Tax Liabilities	15,834	0	0	0	-
Deferred Tax Liabilities	60,292	128,955	89,718	0	-53.25%
Other Liabilities	253,251	183,831	179,456	0	+37.76%
Other Liabilities & Provisions	347,657	327,082	277,592	0	+6.29%
Total Liabilities	19,106,960	17,078,786	15,301,416	0	+11.88%
Equity
Paid Up Capital	1,249,694	1,249,694	1,249,694	0	0.00%
Share Premium	9,075	9,075	9,075	0	0.00%
Reserves & Surpluses
Reserves	784,137	806,489	903,554	0	-2.77%
Reserves & Surpluses	972,926	841,632	718,077	0	+15.60%
Retained Earnings	179,714	26,068	-194,552	0	+589.41%
Non-Controlling Interest	0.00	0.00	0.00	0	-
Total Equity	2,222,620	2,091,327	1,967,772	0	+6.28%
Total Liabilities & Equity	21,329,580	19,170,113	17,269,188	0	+11.26%

Sector Peers — Development Bank (19)

Peer Comparison

Development Bank SECTOR — NEPAL

2025/2026 Q4

NPR/Millions

Statement

Highlight

TICKER	Market				Key Ratios
	Price	Chg	Chg%	Mkt Cap (M)	Asset Turnover	Book Value Per Share	C/D Ratio%	Debt to Equity	EPS (Annualized)	EPS (TTM)	Graham's Number	Interest Rate Spread	Net Interest Margin	Net Profit Margin	NPL%	P/B	P/E (Annualized)	PEG	P/E (TTM)	P/S	ROA (Annualized)	ROA (TTM)%	ROE (Annualized)	ROE (TTM)%
CORBL	762	-1.99	-0.26%	0	0.07	139.73	58.14%	3.55	9.54	9.54	173.19	4.57	5.24	24.24	6.24%	11.43	167.35	0.21	86.37	40.55	1.61	1.61%	6.91	6.91%
GBBL	411.7	+0.7	+0.17%	0.03	0.07	177.26	86.14%	9.59	28.04	28.04	334.41	4.04	4.67	22.5	4.76%	2.28	14.4	0.75	16.23	3.24	1.55	1.55%	16.88	16.88%
GBLBSP	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GRDBL	934.9	+24.93	+2.74%	0.01	0.07	122.83	84.95%	8.58	11.76	11.76	180.28	4.57	4.61	14.23	3.22%	8.46	88.34	-	85.2	12.58	1	1%	9.97	9.97%
JBBL	354.5	+2.5	+0.71%	0.02	0.07	170.97	81.07%	9.37	22.88	22.88	296.67	4.15	4.51	19.58	6.55%	1.98	14.82	-	15.17	2.9	1.34	1.34%	14.31	14.31%
KRBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-82.82	-	-	-	-	-
KSBBL	481	+3.72	+0.78%	0.02	0.07	165.11	86.34%	9.88	21.23	21.23	280.84	3.98	4.32	17.21	3.77%	2.87	22.33	1.25	21.54	3.84	1.21	1.21%	13.9	13.9%
LBBL	527	+5.01	+0.96%	0.02	0.07	213.73	86.63%	7.77	23.48	23.48	336.03	3.76	4.15	18.5	6.94%	2.26	20.59	0.17	21	3.81	1.25	1.25%	11.55	11.55%
MDB	570	+3.4	+0.6%	0.01	0.07	143.2	81.39%	5.15	11.6	11.6	193.33	4.37	4.26	20.94	0.26%	4.06	50.17	5.88	48.88	10.51	1.48	1.48%	8.16	8.16%
MLBL	373	-1.8	-0.48%	0.02	0.07	165.42	86.82%	7.72	13.96	13.96	227.94	4.19	4.65	14.52	6.32%	2.09	24.79	1.42	26.11	3.6	0.96	0.96%	8.63	8.63%
MNBBL	344	+0.89	+0.26%	0.03	0.07	161.82	83.86%	9.9	18.98	18.98	262.88	4.55	4.68	15.65	4.77%	2.24	19.12	-	17.7	2.99	1.09	1.09%	12.18	12.18%
MTBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NABBC	663	+0.99	+0.15%	0	0.03	29.47	49.34%	4	-10.25	-10.25	-	3.76	-1.82	-235.15	48.49%	26.98	-77.56	-	-78.54	182.34	-7.94	-7.94%	-47.61	-47.61%
SABBL	795	-6.98	-0.87%	0	0.07	103.52	63.31%	3.04	1.46	1.46	58.31	4.58	5.49	5.45	0.35%	8.07	571.92	-	614.38	31.26	0.38	0.38%	1.67	1.67%
SADBL	393.9	+1.88	+0.48%	0.02	0.07	169.5	83.37%	9.43	23.83	23.83	301.47	4.14	5.14	18.63	6.87%	2.38	16.95	0.31	17.65	3.16	1.37	1.37%	14.95	14.95%
SAPDBL	564	+7.02	+1.26%	0	0.06	86.71	67.63%	12.98	18.04	18.04	187.6	4.2	4.02	27.26	2.15%	8.42	40.47	0.36	34.7	11.04	1.62	1.62%	23.84	23.84%
SHBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SHINE	408.3	-3.5	-0.85%	0.02	0.07	159.48	84.18%	9.95	23.52	23.52	290.51	4.01	4.41	19.65	4.93%	2.6	17.64	0.27	18.28	3.47	1.4	1.4%	15.34	15.34%
SINDU	406	+2.1	+0.52%	0	0.06	96.87	66.92%	10.36	0.18	0.18	19.81	4.59	4.08	0.25	5.92%	6.92	3,722.22	-	2,361.11	9.54	0.01	0.01%	0.19	0.19%

AVG	532.55	2.59	0.41%	0.01	0.066	140.37	76.67%	8.08	14.55	14.55	224.52	4.23	4.16	0.23	7.44%	6.203	314.24	1.18	201.435	21.655	0.56	0.56%	7.39	7.39%
MED	481	1.88	0.48%	0.02	0.07	159.48	83.37%	9.37	18.04	18.04	245.41	4.19	4.51	18.5	4.93%	2.87	22.33	0.36	21.27	3.84	1.25	1.25%	11.55	11.55%
MAX	934.9	24.93	2.74%	0.03	0.07	213.73	86.82%	12.98	28.04	28.04	336.03	4.59	5.49	27.26	48.49%	26.98	3,722.22	5.88	2,361.11	182.34	1.62	1.62%	23.84	23.84%
MIN	344	-6.98	-0.87%	0	0.03	29.47	49.34%	3.04	-10.25	-10.25	19.81	3.76	-1.82	-235.15	0.26%	1.98	-77.56	0.17	-82.82	2.9	-7.94	-7.94%	-47.61	-47.61%