Saptakoshi Development Bank Ltd

Development BankLow Cap

NPR 814.00

NPR -85-9.45%

09:14 AM NPT · Jun 26, 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

854.10

High

854.10

Low

795.00

Prev Close

899.00

Volume

103,495

Turnover

Rs 83,273,665.7

Txns

Valuation · Q3 FY25/26

EPS Ann.

9.43

EPS TTM

19.59

BVPS

72.90

P/E Ann.

86.32

P/E TTM

41.55

Graham #

124.37

Capital

Mkt Cap

6.79 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)

40.64

ADX

48.22

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

855.79

SMA 50

826.09

Bands & Channels

BB Width %

23.81%

Volume & Flow

OBV

8,776,365

Flow Analysis

[ Live 2026-06-26 ]

Total Buy

448,467

Shares Bought

Total Sell

448,467

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 43%

Distribution 57%

Accumulators

Quantity

120,909

Amount

100,176,883

Avg Rate

828.53

Rank

Brokers

#87#101#45#49#51

Distributors

Quantity

160,223

Amount

129,355,053

Avg Rate

807.34

Rank

Brokers

#28#70#94#63

Net Flow Impact:

-39,314units

(Rs. -29,178,170)

Net Flow by Timeframe

SAPDBL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 468,395 ]

Buy Side

Total: 248,663

Broker

QTY

AVG

NET

72,093

844.78

+14,460

16.1%

46,608

838.86

+3,021

10.4%

18,915

811.37

+2,779

4.2%

101

16,000

812.81

+9,480

3.6%

13,874

800.93

+8,943

3.1%

11,585

796.31

+2,660

2.6%

11,445

801.87

+8,053

2.5%

11,234

810.33

+779

2.5%

9,217

795.45

+1,269

2.1%

7,729

817.36

+3,984

1.7%

7,497

797.59

+5,157

1.7%

6,823

803.43

+1,437

1.5%

5,306

806.68

+2,812

1.2%

5,230

809.37

+4,188

1.2%

5,107

806.05

+250

1.1%

Sell Side

Total: 219,732

Broker

QTY

AVG

NET

138,516

802.31

-59,103

30.9%

11,280

836.44

-4,152

2.5%

9,591

839.50

-1,597

2.1%

8,064

836.42

-1,796

1.8%

7,472

835.68

-3,942

1.7%

6,444

842.14

-3,376

1.4%

5,564

843.03

-489

1.2%

5,442

845.36

-5,306

1.2%

5,136

841.02

-1,523

1.1%

4,985

839.82

-4,945

1.1%

4,392

833.77

-3,992

1.0%

4,171

825.62

-199

0.9%

3,050

843.59

-2,900

0.7%

2,854

858.22

-1,309

0.6%

2,771

821.29

-108

0.6%

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	1,714	+13.77	+0.81%	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	555.6	-5.39	-0.96%	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	405.8	+0.89	+0.22%	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	1,048	+8.01	+0.77%	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	338	-2.01	-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	475	-0.19	-0.04%	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	479.9	+0.91	+0.19%	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	587	-3.01	-0.51%	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	354.9	-1.1	-0.31%	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	366.9	0	0%	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	788	+1.02	+0.13%	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	976	+13	+1.35%	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	403	-0.69	-0.17%	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	404	+1.49	+0.37%	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	709	+7.99	+1.14%	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	640.34	2.31	0.16%	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	479.9	0.89	0.13%	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	1,714	13.77	1.35%	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	338	-5.39	-0.96%	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%