Saptakoshi Development Bank Ltd

Development BankLow Cap

NPR 779.00

NPR +4+0.52%

09:14 AM NPT · May 15, 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

776.10

High

794.00

Low

775.00

Prev Close

775.00

Volume

7,535

Turnover

Rs 5,871,758.9

Txns

109

Valuation · Q2 FY25/26

EPS Ann.

6.43

EPS TTM

15.98

BVPS

75.96

P/E Ann.

121.15

P/E TTM

48.75

Graham #

104.83

Capital

Mkt Cap

6.5 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 Sell

Trend Analysis

Direction

Uptrend

Strength

Moderate

Momentum

RSI (14)

42.77

ADX

20.02

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

811.1

SMA 50

859.87

Bands & Channels

BB Width %

14.75%

Volume & Flow

OBV

8,318,643

Flow Analysis

[ Live 2026-05-15 ]

Total Buy

63,635

Shares Bought

Total Sell

63,635

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 55%

Distribution 45%

Accumulators

Quantity

18,054

Amount

14,274,531

Avg Rate

790.66

Rank

Brokers

#91#63#49#10

Distributors

Quantity

14,815

Amount

11,671,080

Avg Rate

787.79

Rank

#10

Brokers

#75#58#57#19

Net Flow Impact:

+3,239units

(Rs. 2,603,452)

Net Flow by Timeframe

SAPDBL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 74,147 ]

Buy Side

Total: 40,880

Broker

QTY

AVG

NET

9,088

791.70

+9,078

14.3%

5,185

795.17

+1,271

8.2%

4,148

790.80

+1,878

6.5%

3,060

784.66

+2,460

4.8%

2,217

793.33

+1,059

3.5%

2,208

797.99

+160

3.5%

2,079

803.21

+1,634

3.3%

2,068

786.80

+312

3.3%

1,966

793.55

+373

3.1%

1,758

795.34

+1,738

2.8%

1,736

791.78

+196

2.7%

1,500

797.22

+365

2.4%

1,500

791.52

+1,300

2.4%

1,207

798.02

+882

1.9%

1,160

783.15

+1,015

1.8%

Sell Side

Total: 33,267

Broker

QTY

AVG

NET

5,277

792.34

-3,000

8.3%

3,896

783.53

-3,873

6.1%

2,969

791.96

-2,612

4.7%

2,693

785.73

-1,285

4.2%

2,673

780.38

-2,483

4.2%

2,478

798.51

-466

3.9%

2,289

786.77

-1,404

3.6%

2,073

791.79

-1,155

3.3%

1,654

783.32

-1,324

2.6%

1,530

802.46

-1,530

2.4%

1,365

780.66

-1,065

2.1%

1,200

802.50

-1,020

1.9%

1,120

796.88

-661

1.8%

1,050

792.58

-1,050

1.6%

1,000

805.00

-1,000

1.6%

Financial Fundamentals

Financial Metric	FY25/26 Q2	FY24/25 Q2	FY23/24 Q2	FY22/23 Q2	Growth %
Assets
Cash & Liquidity
Cash & Cash Equivalent	1,652,982,022	1,147,658,596	1,174,175,859	837,285,191	+44.03%
Money at Call & Short Notice	361,302,606	457,279,826	262,035,371	226,340,904	-20.99%
Due from NRB	361,302,606	457,279,826	262,035,371	226,340,904	-20.99%
Placement with B/FIs	0.00	0.00	0.00	0.00	-
Loans & Advances
Loans and Advances	5,615,219,463	5,516,844,239	3,886,354,887	4,055,183,164	+1.78%
Loans & Advances to B/FIs	349,710,459	564,307,412	116,724,574	28,904,613	-38.03%
Loans & Advances to Customers	5,265,509,004	4,952,536,827	3,769,630,313	4,026,278,551	+6.32%
Investments
Investment Securities	464,133,998	841,388,520	532,046,331	352,971,574	-44.84%
Investment in Subsidiaries	0.00	0.00	0.00	0.00	-
Investment in Associates	0.00	0.00	0.00	0.00	-
Investment Property	250,354,263	128,131,724	2,487,155	2,487,155	+95.39%
Other Assets
Derivative Financial Instruments	0.00	0.00	0.00	0.00	-
Other Trading Assets	0.00	0.00	0.00	0.00	-
Current Tax Assets	21,950,360	23,201,890	22,977,375	52,473,026	-5.39%
Deferred Tax Assets	147,568,152	93,493,983	94,082,856	7,113,953	+57.84%
Goodwill and Intangible Assets	1,751,944	2,044,913	2,259,709	2,786,241	-14.33%
Property & Equipment	125,095,484	141,770,967	150,725,857	75,959,602	-11.76%
Other Assets	188,067,957	200,009,944	199,196,296	192,844,292	-5.97%
Total Assets	8,828,426,249	8,551,824,602	6,326,341,696	5,805,445,102	+3.23%
Liabilities
Borrowings & Funding
Borrowings	126,714,068	222,172,772	203,551,053	332,331,227	-42.97%
Borrowing	0.00	0.00	0.00	0.00	-
Debt Securities Issued	0.00	0.00	0.00	0.00	-
Subordinated Liabilities	0.00	0.00	0.00	0.00	-
Interbank & NRB
Due to B/FIs	126,714,068	222,172,772	203,551,053	332,331,227	-42.97%
Due to NRB	0.00	0.00	0.00	0.00	-
Deposits	7,742,266,900	7,363,620,899	5,237,751,123	4,651,076,635	+5.14%
Other Liabilities
Provisions	0.00	0.00	0.00	0.00	-
Current Tax Liabilities	0.00	0.00	0.00	0.00	-
Deferred Tax Liabilities	0.00	0.00	0.00	0.00	-
Other Liabilities	325,664,830	324,192,372	370,004,152	221,082,427	+0.45%
Other Liabilities & Provisions	325,664,830	324,192,372	370,004,152	221,082,427	+0.45%
Total Liabilities	8,194,645,798	7,909,986,043	5,811,306,328	5,204,490,289	+3.60%
Equity
Paid Up Capital	834,338,432	834,338,432	834,338,432	834,338,432	0.00%
Share Premium	0.00	0.00	0.00	0.00	-
Reserves & Surpluses
Reserves	424,535,059	283,543,826	208,020,180	125,383,550	+49.72%
Reserves & Surpluses	-200,557,980	-192,499,873	-319,303,065	-233,383,618	-4.19%
Retained Earnings	-625,093,039	-476,043,699	-527,323,245	-358,767,168	-31.31%
Non-Controlling Interest	0.00	0.00	0.00	0.00	-
Total Equity	633,780,452	641,838,559	515,035,367	600,954,813	-1.26%
Total Liabilities & Equity	8,828,426,250	8,551,824,602	6,326,341,695	5,805,445,102	+3.23%

Sector Peers — Development Bank (19)

Peer Comparison

Development Bank SECTOR — NEPAL

2025/2026 Q2

NPR/Millions

Statement

Highlight

TICKER	Market				Key Ratios
	Price	Chg	Chg%	Mkt Cap (M)	Asset Turnover	BVPS	C/D Ratio%	EPS (Annu.)	EPS (TTM)	Graham's No.	Int. Rate Spread%	NIM%	NPL%	NPM%	P/B	P/E (Annu.)	PEG	P/E (Latest)	P/E (TTM)	P/S	ROA (Annu.)%	ROA (TTM)%	ROE (Annu.)%	ROE (TTM)%
CORBL	2,011	-20.93	-1.03%	0.01	0.07	135.79	70.07%	4.93	-2.7	-	4.56%	5.16%	9.79%	12.88%	22.83	314.4	15.9	326.57	-596.3	161.96	0.94%	-0.51%	3.46%	-1.89%
EDBL	579.9	+4.89	+0.85%	0.01	0.06	177.95	75.87%	14.17	17.6	265.46	4.57%	4.28%	7.07%	15.58%	6.73	42.27	0.21	41.64	33.52	26.36	0.94%	1.18%	8.42%	10.48%
GBBL	415	0	0%	0.02	0.08	159.59	85.15%	21.1	23.19	288.57	4.59%	4.9%	4.78%	16.52%	4.92	18.62	2.04	18.6	16.93	12.31	1.24%	1.36%	14%	15.39%
GBLBSP	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GRDBL	1,024.1	-11.91	-1.15%	0.01	0.07	112.86	83.15%	3.58	11.65	172	3.92%	4.2%	4.2%	4.36%	19.67	310.03	28.63	300.28	92.27	54.21	0.32%	1.06%	3.3%	10.76%
JBBL	354.1	-0.28	-0.08%	0.02	0.07	155.09	82.04%	14.16	1.67	76.34	3.84%	4.1%	7.82%	12.6%	4.29	23.5	0.96	23.45	198.8	11.85	0.84%	0.1%	9.3%	1.09%
KRBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-51.36	-82.82	-	-	-	-	-
KSBBL	481	-1.01	-0.21%	0.02	0.08	158.07	86.77%	20.43	18.32	255.26	4.17%	4.5%	4.1%	14.78%	5.72	22.12	1.99	22.3	24.87	13.09	1.1%	1%	13.56%	12.16%
LBBL	485	+3.99	+0.83%	0.02	0.07	190.2	85.98%	15.75	14.29	247.29	3.98%	3.98%	0%	12.08%	5.22	31.52	0.32	30.1	33.17	15.23	0.84%	0.77%	8.46%	7.68%
MDB	595	-4.98	-0.83%	0.01	0.07	135.98	84.37%	9.37	13.27	201.49	4.36%	4.06%	0.45%	17.57%	8.83	64.06	0.55	66.06	46.65	45.04	1.24%	1.78%	6.96%	9.88%
MLBL	365.9	+0.91	+0.25%	0.02	0.14	165.48	85.3%	14.24	7.13	162.93	4.37%	4.94%	6.1%	13.54%	4.45	25.84	7.66	25.57	51.07	13.99	1.92%	0.96%	17.18%	8.6%
MNBBL	371	-1	-0.27%	0.03	0.08	151.35	86.59%	16.8	21.33	269.51	4.59%	4.76%	3.75%	13.38%	4.61	20.79	1.21	21.37	16.83	11.13	1.02%	1.3%	11.66%	14.8%
MTBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NABBC	949	+9.02	+0.96%	0	0.03	28.9	65.88%	-19.16	-13.62	-	4.5%	-3.2%	57.48%	-473.75%	92.87	-70.04	0	-74.01	-104.11	1,328.71	-15.3%	-10.88%	-95.72%	-68.04%
SABBL	1,214	-6.96	-0.57%	0.01	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	-	-	-	-
SADBL	413.9	+3.41	+0.83%	0.02	0.07	153.24	83.55%	16.21	17.22	243.67	4.57%	4.72%	6.87%	12.94%	5.28	24.95	0.61	25.42	23.93	12.93	0.94%	1.01%	11.1%	11.8%
SHBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SHINE	408.3	-1.68	-0.41%	0.02	0.07	146.6	84.77%	16.1	15.17	223.69	4.19%	4.22%	4.75%	13.73%	5.5	25.04	1.34	25.06	26.6	13.76	1%	0.95%	11.24%	10.6%
SINDU	700.1	-8.93	-1.26%	0	0.06	94.19	64.35%	-5.55	9.7	143.38	4.59%	3.36%	6.39%	-7.98%	15.19	-128.88	0	-131.71	75.36	41.16	-0.48%	0.85%	-6.6%	11.55%

AVG	691.15	-2.36	-0.14%	0.01	0.073	140.38	80.27%	10.15	11.02	212.47	4.34%	3.86%	8.83%	-22.98%	14.722	51.73	3.839	41.834	-8.952	125.838	-0.25%	0.07%	1.17%	3.92%
MED	485	-1	-0.21%	0.02	0.07	152.3	83.96%	14.21	13.78	233.68	4.44%	4.25%	5.44%	13.16%	5.61	24.995	0.785	24.255	25.735	14.61	0.94%	0.98%	8.88%	10.54%
MAX	2,011	9.02	0.96%	0.03	0.14	190.2	86.77%	21.1	23.19	288.57	4.59%	5.16%	57.48%	17.57%	92.87	314.4	28.63	326.57	198.8	1,328.71	1.92%	1.78%	17.18%	15.39%
MIN	354.1	-20.93	-1.26%	0	0.03	28.9	64.35%	-19.16	-13.62	76.34	3.84%	-3.2%	0%	-473.75%	4.29	-128.88	0	-131.71	-596.3	11.13	-15.3%	-10.88%	-95.72%	-68.04%