Saptakoshi Development Bank Ltd

Development BankLow Cap

NPR 781.00

NPR -10-1.26%

09:14 AM NPT · May 13, 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

785.00

High

794.00

Low

779.00

Prev Close

791.00

Volume

15,928

Turnover

Rs 12,489,690.9

Txns

168

Valuation · Q2 FY25/26

EPS Ann.

6.43

EPS TTM

15.98

BVPS

75.96

P/E Ann.

121.46

P/E TTM

48.87

Graham #

104.83

Capital

Mkt Cap

6.52 Arab

Total

83.43 Lakh

Public

28.01 Lakh

Promoter

55.43 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Moderate

Momentum

RSI (14)

37.64

ADX

20.04

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

820.62

SMA 50

863.76

Bands & Channels

BB Width %

15.95%

Volume & Flow

OBV

8,321,966

Flow Analysis

[ Live 2026-05-13 ]

Total Buy

69,790

Shares Bought

Total Sell

69,790

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 54%

Distribution 46%

Accumulators

Quantity

22,466

Amount

17,787,648

Avg Rate

791.76

Rank

Brokers

#91#63#49#42

Distributors

Quantity

19,425

Amount

15,309,960

Avg Rate

788.16

Rank

Brokers

#58#74#82#26#57

Net Flow Impact:

+3,041units

(Rs. 2,477,689)

Net Flow by Timeframe

SAPDBL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 81,739 ]

Buy Side

Total: 40,595

Broker

QTY

AVG

NET

7,747

794.59

+7,687

11.1%

5,610

793.95

+2,021

8.0%

4,749

790.06

+4,109

6.8%

4,360

785.75

+4,260

6.3%

2,726

796.18

+1,962

3.9%

2,366

800.98

+620

3.4%

2,052

795.34

+1,503

2.9%

1,750

795.39

+737

2.5%

1,725

787.43

+1,506

2.5%

1,676

792.49

+261

2.4%

1,390

795.81

+587

2.0%

1,170

801.99

+1,150

1.7%

1,160

783.44

+513

1.7%

1,114

789.93

+314

1.6%

1,000

798.90

+1,000

1.4%

Sell Side

Total: 41,144

Broker

QTY

AVG

NET

6,518

789.95

-3,627

9.3%

5,008

785.18

-3,471

7.2%

3,395

784.54

-1,084

4.9%

3,177

791.61

-1,713

4.5%

3,082

795.80

-834

4.4%

2,766

792.85

-464

4.0%

2,734

787.53

-388

3.9%

2,722

781.97

-1,962

3.9%

2,710

785.66

-1,140

3.9%

2,000

792.72

-2,000

2.9%

1,640

783.76

-1,426

2.4%

1,452

788.38

-597

2.1%

1,400

805.01

-1,400

2.0%

1,340

782.21

-1,199

1.9%

1,200

802.50

-1,200

1.7%

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	2,033	+30.83	+1.54%	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	580.8	+1.68	+0.29%	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	415.5	-2.51	-0.6%	0.03	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	1,044	+1.98	+0.19%	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	357.9	-0.11	-0.03%	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	482	+2.02	+0.42%	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	484.6	-0.29	-0.06%	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	366.8	-1.21	-0.33%	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	374	-0.19	-0.05%	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	999	-19.04	-1.87%	0.01	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	1,230	-29.99	-2.38%	0.01	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	-	-	-	-
SADBL	413.9	-0.08	-0.02%	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	410.5	-0.99	-0.24%	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	706	-0.99	-0.14%	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	699.53	-1.59	-0.27%	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	484.6	-0.29	-0.06%	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	2,033	30.83	1.54%	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	357.9	-29.99	-2.38%	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%