Excel Development Bank Ltd.

Development BankLow Cap

NPR 559.70

NPR +4.1+0.74%

09:14 AM NPT · Jun 29, 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

555.00

High

559.70

Low

550.00

Prev Close

555.60

Volume

3,256

Turnover

Rs 1,798,852.7

Txns

Valuation · Q3 FY25/26

EPS Ann.

16.61

EPS TTM

16.24

BVPS

184.00

P/E Ann.

33.70

P/E TTM

34.46

Graham #

262.23

Capital

Mkt Cap

6.99 Arab

Total

1.25 Crore

Public

61.24 Lakh

Promoter

63.73 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Weak

Momentum

RSI (14)

29.78

ADX

9.84

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

574.33

SMA 50

577.9

Bands & Channels

BB Width %

6.53%

Volume & Flow

OBV

4,391,968

Flow Analysis

[ Live 2026-06-29 ]

Total Buy

43,512

Shares Bought

Total Sell

43,512

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 46%

Distribution 54%

Accumulators

Quantity

20,138

Amount

11,351,429

Avg Rate

563.68

Rank

#12

Brokers

#65#32#92

Distributors

Quantity

23,526

Amount

13,289,849

Avg Rate

564.90

Rank

Brokers

#20#68#44

Net Flow Impact:

-3,388units

(Rs. -1,938,420)

Net Flow by Timeframe

EDBL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 73,173 ]

Buy Side

Total: 35,571

Broker

QTY

AVG

NET

15,080

564.95

+14,960

34.7%

2,808

559.34

+2,428

6.5%

2,758

565.95

+888

6.3%

2,250

560.59

+2,230

5.2%

2,004

560.17

+1,504

4.6%

1,625

558.05

+1,435

3.7%

1,420

561.13

+1,200

3.3%

1,308

558.99

+1,308

3.0%

1,260

565.90

+934

2.9%

1,167

565.41

+1,157

2.7%

994

555.00

+879

2.3%

910

555.14

+910

2.1%

892

555.33

+892

2.0%

630

557.83

+630

1.4%

465

562.26

+465

1.1%

Sell Side

Total: 37,602

Broker

QTY

AVG

NET

16,100

564.98

-16,090

37.0%

5,006

567.22

-5,006

11.5%

2,420

559.61

-2,370

5.6%

2,100

558.35

-1,700

4.8%

1,967

558.19

-1,467

4.5%

1,893

560.68

-1,193

4.3%

1,665

564.88

-15

3.8%

1,200

556.84

-1,200

2.8%

1,000

560.31

-48

2.3%

1,000

550.16

-989

2.3%

729

559.27

-324

1.7%

700

555.00

-700

1.6%

700

550.07

-700

1.6%

587

556.48

-347

1.4%

535

566.51

-395

1.2%

Financial Fundamentals

Financial Metric	FY25/26 Q3	FY24/25 Q3	FY23/24 Q3	FY22/23 Q3	Growth %
Assets
Cash & Liquidity
Cash & Cash Equivalent	914,635	1,257,448	1,725,645	0	-27.26%
Money at Call & Short Notice	1,198,336	650,788	500,079	0	+84.14%
Due from NRB	1,198,336	650,788	500,079	0	+84.14%
Placement with B/FIs	0.00	0.00	0.00	0	-
Loans & Advances
Loans and Advances	12,922,521	11,886,772	11,148,202	0	+8.71%
Loans & Advances to B/FIs	134,056	259,500	437,747	0	-48.34%
Loans & Advances to Customers	12,788,464	11,627,271	10,710,455	0	+9.99%
Investments
Investment Securities	4,430,187	3,162,305	2,388,134	0	+40.09%
Investment in Subsidiaries	0.00	0.00	0.00	0	-
Investment in Associates	0.00	0.00	0.00	0	-
Investment Property	414,764	340,414	308,711	0	+21.84%
Other Assets
Derivative Financial Instruments	0.00	0.00	0.00	0	-
Other Trading Assets	0.00	0.00	0.00	0	-
Current Tax Assets	65,864	56,781	47,813	0	+16.00%
Deferred Tax Assets	0.00	0.00	0.00	0	-
Goodwill and Intangible Assets	924.68	1621.44	2375.42	0	-42.97%
Property & Equipment	185,663	192,637	247,056	0	-3.62%
Other Assets	140,746	99,504	80,259	0	+41.45%
Total Assets	20,206,851	17,589,868	16,398,087	0	+14.88%
Liabilities
Borrowings & Funding
Borrowings	208,760	171,949	210,804	0	+21.41%
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	208,760	171,949	210,804	0	+21.41%
Due to NRB	0.00	0.00	0.00	0	-
Deposits	17,303,808	15,105,197	13,998,696	0	+14.56%
Other Liabilities
Provisions	14,296	14,296	5	0	0.00%
Current Tax Liabilities	0.00	0.00	0.00	0	-
Deferred Tax Liabilities	151,431	122,740	69,362	0	+23.38%
Other Liabilities	229,068	146,144	224,747	0	+56.74%
Other Liabilities & Provisions	394,794	283,180	294,114	0	+39.41%
Total Liabilities	17,907,363	15,560,326	14,503,614	0	+15.08%
Equity
Paid Up Capital	1,249,694	1,249,694	1,249,694	0	0.00%
Share Premium	9,075	9,075	9,546	0	0.00%
Reserves & Surpluses
Reserves	889,923	765,365	718,385	0	+16.27%
Reserves & Surpluses	1,049,794	779,847	644,779	0	+34.62%
Retained Earnings	150,795	5,406	-83,152	0	+2689.23%
Non-Controlling Interest	0.00	0.00	0.00	0	-
Total Equity	2,299,488	2,029,542	1,894,473	0	+13.30%
Total Liabilities & Equity	20,206,851	17,589,868	16,398,087	0	+14.88%

Sector Peers — Development Bank (19)

Peer Comparison

Development Bank SECTOR — NEPAL

2025/2026 Q3

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	1,680	-33.94	-1.98%	0.01	0.07	139.27	58.82%	3.34	12.26	2.68	91.64	4.57	6.71	29.16	6.36%	17.45	148.69	0.94	733.62	77.12	2.17	0.47%	8.64	1.89%
GBBL	402	-3.81	-0.94%	0.02	0.07	167.58	87.15%	9.73	23.21	26.99	319.01	4.13	4.68	18.73	4.77%	3.29	17.79	0.52	15.41	5.92	1.35	1.57%	14.85	17.28%
GBLBSP	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GRDBL	1,023	-25.05	-2.39%	0.01	0.07	116.8	85.44%	8.48	7.63	13.54	188.63	4.17	4.43	9.47	4.32%	12.1	138.93	2.62	78.66	23.4	0.68	1.22%	6.87	12.19%
JBBL	336	-1.99	-0.59%	0.02	0.07	163.43	81.45%	9.63	19.09	7.63	167.5	4.17	4.2	17.05	7.83%	3.03	19.43	0.18	47.17	5.89	1.15	0.46%	12.11	4.83%
KRBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-82.82	-	-	-	-	-
KSBBL	472	-2.99	-0.63%	0.02	0.07	158.28	87.33%	10.09	18.64	17.35	248.57	4.11	4.39	15.05	4.4%	4.09	26.03	-	28.3	6.97	1.08	1.01%	12.65	11.78%
LBBL	477	-2.88	-0.6%	0.02	0.07	205.4	87.11%	7.88	20.67	24.61	337.25	4.08	4.11	16.23	6.49%	3.22	24	0.02	20.32	6.93	1.12	1.34%	10.71	12.76%
MDB	582.9	-4.11	-0.7%	0.01	0.07	139.36	85.76%	5.12	10.54	11.02	185.89	4.25	4	19.48	0.48%	5.95	59	14.53	56.3	20.44	1.4	1.46%	7.6	7.94%
MLBL	353	-1.92	-0.54%	0.02	0.07	162.01	87.89%	7.6	13.59	11.75	206.96	4.24	4.81	13.92	6.59%	3.09	27.62	90.13	31.28	6.83	0.97	0.84%	8.55	7.38%
MNBBL	365	-1.91	-0.52%	0.03	0.07	155.09	85.21%	9.87	15.71	21.94	276.7	4.48	4.6	13	4.88%	3.26	24.12	1.64	17.09	5.58	0.95	1.33%	10.67	14.89%
MTBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NABBC	780.1	-7.88	-1%	0	0.04	32.98	56.77%	2.97	-12.64	-11.86	-	4.5	-2.52	-304.8	59.37%	47.42	-92.8	-	-77.31	502.89	-10.84	-10.17%	-59.8	-56.1%
SABBL	969.4	-6.64	-0.68%	0.01	0.08	103.75	71.21%	2.81	-0.81	1.39	56.96	4.58	6.2	-2.82	3.35%	20.69	-1,987.65	-	852.52	99.38	-0.21	0.38%	-0.93	1.61%
SADBL	399.9	-3.1	-0.77%	0.02	0.07	158.79	83.84%	9.82	17.3	15.73	237.06	4.32	4.63	14.24	7.87%	3.57	24.57	3.87	26.7	6.22	1	0.91%	11.37	10.34%
SAPDBL	798	-16.04	-1.97%	0.01	0.06	72.9	71.87%	14.61	9.43	19.59	179.26	3.99	3.59	15.19	7.6%	15.69	90.99	0.29	43.29	24.58	0.88	1.84%	12.55	26.07%
SHBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SHINE	400	-4	-0.99%	0.02	0.07	153.05	85.75%	10	20.93	19.18	257	4.09	4.36	17.62	4.92%	3.6	19.73	0.41	21.74	6.18	1.29	1.19%	14.11	12.93%
SINDU	704	-5.03	-0.71%	0	0.06	91.3	66.04%	11.2	-7.91	1.2	49.65	4.58	3.84	-11.27	7.92%	11.07	-95.85	-	628.33	19.21	-0.72	0.1%	-9.24	1.4%

AVG	649.49	-8.09	-1%	0.01	0.067	134.67	78.78%	8.21	11.18	12.18	200.15	4.28	4.14	-7.98	9.14%	10.501	-103.69	10.468	152.538	54.503	0.15	0.26%	4.05	5.81%
MED	477	-4	-0.71%	0.02	0.07	153.05	85.21%	9.63	13.59	13.54	197.8	4.24	4.39	15.05	6.36%	4.09	24.12	0.94	29.79	6.97	1	1.01%	10.67	10.34%
MAX	1,680	-1.91	-0.52%	0.03	0.08	205.4	87.89%	14.61	23.21	26.99	337.25	4.58	6.71	29.16	59.37%	47.42	148.69	90.13	852.52	502.89	2.17	1.84%	14.85	26.07%
MIN	336	-33.94	-2.39%	0	0.04	32.98	56.77%	2.81	-12.64	-11.86	49.65	3.99	-2.52	-304.8	0.48%	3.03	-1,987.65	0.02	-82.82	5.58	-10.84	-10.17%	-59.8	-56.1%