Saptakoshi Development Bank Ltd

Development BankLow Cap

NPR 791.30

NPR -10.7-1.33%

09:14 AM NPT · Aug 12, 2026

Est. April 2012 · Biratnagar, Nepal · CEO: Navin Subedi

Saptakoshi Development Bank Limited is a national-level development bank in Nepal, licensed by the Nepal Rastra Bank (NRB) as a “B” class financial institution. Established with the objective of promoting financial inclusion, economic growth, and accessible banking services, the bank provides a wide range of financial solutions to individuals, small and medium enterprises (SMEs), and corporate clients. Headquartered in Biratnagar, Saptakoshi Development Bank offers various products including savings and deposit accounts, business and SME loans, home and personal loans, microfinance services, remittance solutions, digital banking, and trade finance. The bank is recognized for its strong regional presence in eastern Nepal, customer-centric service approach, and commitment to supporting local economic activities. Through responsible banking practices, robust governance, and modern digital platforms, the bank aims to deliver secure, efficient, and inclusive financial services. Saptakoshi Development Bank Limited continues to strengthen its influence in Nepal’s development banking sector by empowering communities, supporting entrepreneurship, and contributing to sustainable economic development.

www.skdbl.com.np/facebook

Trading

Open

800.00

High

805.00

Low

790.00

Prev Close

802.00

Volume

14,082

Turnover

Rs 11,179,099.5

Txns

Valuation · Q3 FY25/26

EPS Ann.

9.43

EPS TTM

19.59

BVPS

72.90

P/E Ann.

83.91

P/E TTM

40.39

Graham #

124.37

Capital

Mkt Cap

6.6 Arab

Total

83.43 Lakh

Public

28.01 Lakh

Promoter

55.43 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Neutral

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Very Strong

Momentum

RSI (14)

49.97

ADX

46.98

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

816.39

SMA 50

819.15

Bands & Channels

BB Width %

21.6%

Volume & Flow

OBV

8,815,034

Flow Analysis

[ Live 2026-08-12 ]

Total Buy

224,371

Shares Bought

Total Sell

224,371

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 41%

Distribution 59%

Accumulators

Quantity

69,861

Amount

57,537,603

Avg Rate

823.60

Rank

Brokers

#28#46#71#58#57

Distributors

Quantity

99,031

Amount

79,750,912

Avg Rate

805.31

Rank

Brokers

#87#63#51

Net Flow Impact:

-29,170units

(Rs. -22,213,309)

Net Flow by Timeframe

SAPDBL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 279,813 ]

Buy Side

Total: 120,298

Broker

QTY

AVG

NET

17,384

849.75

+14,900

7.8%

15,300

805.78

+7,700

6.8%

14,066

834.87

+10,761

6.3%

12,300

800.60

+7,551

5.5%

10,811

818.28

+8,135

4.8%

7,515

804.02

+3,295

3.4%

6,821

804.08

+457

3.0%

6,100

817.27

+4,003

2.7%

5,543

824.48

+5,543

2.5%

5,019

804.82

+5,019

2.2%

4,927

809.71

+2,578

2.2%

4,199

799.41

+3,543

1.9%

3,604

807.93

+2,328

1.6%

3,601

811.83

+420

1.6%

3,108

834.44

+2,364

1.4%

Sell Side

Total: 159,515

Broker

QTY

AVG

NET

82,640

806.00

-59,250

36.8%

10,905

815.31

-955

4.9%

10,850

804.10

-10,850

4.8%

9,664

808.10

-625

4.3%

8,175

827.62

-4,930

3.6%

5,802

800.51

-4,097

2.6%

5,541

797.41

-5,067

2.5%

5,000

797.35

-4,980

2.2%

4,514

802.43

-1,246

2.0%

3,853

835.95

-1,490

1.7%

3,185

820.71

-135

1.4%

2,946

819.70

-1,371

1.3%

2,350

828.95

-1,191

1.1%

2,090

797.38

-1,620

0.9%

2,000

817.22

-1,770

0.9%

Financial Fundamentals

Financial Metric	FY25/26 Q3	FY24/25 Q3	FY23/24 Q3	FY22/23 Q3	Growth %
Assets
Cash & Liquidity
Cash & Cash Equivalent	2,004,004	994,583	1,103,103	0	+101.49%
Money at Call & Short Notice	444,555	349,363	230,035	0	+27.25%
Due from NRB	444,555	349,363	230,035	0	+27.25%
Placement with B/FIs	0.00	0.00	0.00	0	-
Loans & Advances
Loans and Advances	5,696,158	5,626,298	3,914,764	0	+1.24%
Loans & Advances to B/FIs	327,001	599,479	54,102	0	-45.45%
Loans & Advances to Customers	5,369,156	5,026,818	3,860,661	0	+6.81%
Investments
Investment Securities	613,682	597,303	1,428,221	0	+2.74%
Investment in Subsidiaries	0.00	0.00	0.00	0	-
Investment in Associates	0.00	0.00	0.00	0	-
Investment Property	258,424	156,506	2,487	0	+65.12%
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	21,249	23,255	23,033	0	-8.63%
Deferred Tax Assets	147,423	92,839	94,047	0	+58.79%
Goodwill and Intangible Assets	1,629	1,936	2,148	0	-15.84%
Property & Equipment	122,465	140,122	151,427	0	-12.60%
Other Assets	358,719	320,382	314,555	0	+11.97%
Total Assets	9,498,007	8,184,556	7,144,592	0	+16.05%
Liabilities
Borrowings & Funding
Borrowings	128,285	177,733	115,170	0	-27.82%
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	128,285	177,733	115,170	0	-27.82%
Due to NRB	0.00	0.00	0.00	0	-
Deposits	8,387,618	7,036,147	6,152,321	0	+19.21%
Other Liabilities
Provisions	0.00	0.00	0.00	0	-
Current Tax Liabilities	0.00	0.00	0.00	0	-
Deferred Tax Liabilities	0.00	0.00	0.00	0	-
Other Liabilities	373,834	325,188	315,910	0	+14.96%
Other Liabilities & Provisions	373,834	325,188	315,910	0	+14.96%
Total Liabilities	8,889,738	7,539,069	6,583,401	0	+17.92%
Equity
Paid Up Capital	834,338	834,338	834,338	0	0.00%
Share Premium	0.00	0.00	0.00	0	-
Reserves & Surpluses
Reserves	408,449	316,650	205,626	0	+28.99%
Reserves & Surpluses	-226,069	-188,851	-273,147	0	-19.71%
Retained Earnings	-634,518	-505,502	-478,773	0	-25.52%
Non-Controlling Interest	0.00	0.00	0.00	0	-
Total Equity	608,269	645,487	561,191	0	-5.77%
Total Liabilities & Equity	9,498,007	8,184,556	7,144,592	0	+16.05%

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	1,086	-54.04	-4.74%	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%
EDBL	583.5	-4.41	-0.75%	0.01	0.06	184	76.86%	7.79	16.61	16.24	259.29	4.57	4.28	18.31	6.59%	4.27	35.44	0.01	36.22	11.53	1.09	1.07%	9.59	9.37%
GBBL	419.5	+0.5	+0.12%	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	1,050	-0.95	-0.09%	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	-1.21	-0.36%	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	474.9	+4.1	+0.87%	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	485	+1.02	+0.21%	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	579.8	+3.8	+0.66%	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	346.5	-1.5	-0.43%	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	-1.8	-0.49%	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	813.1	-3.92	-0.48%	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	955	-2.2	-0.23%	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	409.9	-0.08	-0.02%	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%
SHBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SHINE	410	0	0%	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	684.6	-1.37	-0.2%	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	599.92	-4.14	-0.4%	0.01	0.067	142.07	79.11%	7.76	11.65	11.96	205.87	4.32	4.18	-7.78	9.08%	9.74	-107.4	10.443	152.096	53.633	0.17	0.21%	3.85	4.7%
MED	485	-1.21	-0.2%	0.02	0.07	155.09	85.21%	8.48	15.71	13.54	222.01	4.25	4.39	15.05	6.36%	4.09	24.12	0.94	29.79	6.97	1.08	1.01%	9.59	9.37%
MAX	1,086	4.1	0.87%	0.03	0.08	205.4	87.89%	11.2	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	1.57%	14.85	17.28%
MIN	336	-54.04	-4.74%	0	0.04	32.98	56.77%	2.81	-12.64	-11.86	49.65	4.08	-2.52	-304.8	0.48%	3.03	-1,987.65	0.01	-82.82	5.58	-10.84	-10.17%	-59.8	-56.1%