Saptakoshi Development Bank Ltd

Development BankLow Cap

NPR 605.00

NPR -1-0.17%

09:14 AM NPT · Sep 24, 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

612.00

High

617.00

Low

600.00

Prev Close

606.00

Volume

13,985

Turnover

Rs 8,489,371.8

Txns

145

Valuation · Q4 FY25/26

EPS Ann.

18.04

EPS TTM

18.04

BVPS

86.71

P/E Ann.

33.54

P/E TTM

33.54

Graham #

187.60

Capital

Mkt Cap

5.05 Arab

Total

83.43 Lakh

Public

28.01 Lakh

Promoter

55.43 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Strong Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Very Strong

Momentum

RSI (14)

17.41

ADX

42.3

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

660.78

SMA 50

739.74

Bands & Channels

BB Width %

22.81%

Volume & Flow

OBV

8,938,300

Flow Analysis

[ Live 2026-09-24 ]

Total Buy

82,947

Shares Bought

Total Sell

82,947

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 39%

Distribution 61%

Accumulators

Quantity

24,712

Amount

15,257,695

Avg Rate

617.42

Rank

#11

Brokers

#58#34#49#4#3

Distributors

Quantity

38,053

Amount

23,343,406

Avg Rate

613.44

Rank

Brokers

#35#80#66

Net Flow Impact:

-13,341units

(Rs. -8,085,711)

Net Flow by Timeframe

SAPDBL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 112,976 ]

Buy Side

Total: 50,830

Broker

QTY

AVG

NET

8,099

616.69

+5,555

9.8%

5,210

621.11

+3,447

6.3%

4,827

614.35

+4,827

5.8%

4,053

626.12

+358

4.9%

3,940

619.87

+2,057

4.8%

3,376

619.79

+3,376

4.1%

3,317

617.90

+2,165

4.0%

3,200

615.39

+3,100

3.9%

3,120

614.38

+2,620

3.8%

2,620

618.67

+2,339

3.2%

2,159

611.09

+1,279

2.6%

1,933

614.00

+1,563

2.3%

1,723

611.61

+651

2.1%

1,713

610.07

+772

2.1%

1,540

610.56

+478

1.9%

Sell Side

Total: 62,146

Broker

QTY

AVG

NET

22,050

613.06

-19,949

26.6%

11,730

615.74

-10,810

14.1%

4,273

609.13

-3,693

5.2%

4,010

626.03

-490

4.8%

3,785

624.80

-265

4.6%

3,649

619.18

-3,104

4.4%

101

2,570

624.88

-2,090

3.1%

2,540

627.27

-530

3.1%

1,700

623.05

-332

2.0%

1,566

617.81

-283

1.9%

1,260

614.83

-830

1.5%

1,193

605.28

-1,193

1.4%

710

625.92

-710

0.9%

610

626.78

-343

0.7%

500

625.05

-283

0.6%

Financial Fundamentals

Financial Metric	FY25/26 Q4	FY24/25 Q4	FY23/24 Q4	FY22/23 Q4	Growth %
Assets
Cash & Liquidity
Cash & Cash Equivalent	749,082	1,398,169	1,290,737	0	-46.42%
Money at Call & Short Notice	776,028	351,737	326,590	0	+120.63%
Due from NRB	776,028	351,737	326,590	0	+120.63%
Placement with B/FIs	0.00	0.00	0.00	0	-
Loans & Advances
Loans and Advances	5,800,776	5,482,984	4,347,926	0	+5.80%
Loans & Advances to B/FIs	238,180	441,179	259,245	0	-46.01%
Loans & Advances to Customers	5,562,596	5,041,805	4,088,681	0	+10.33%
Investments
Investment Securities	2,103,994	624,704	1,582,488	0	+236.80%
Investment in Subsidiaries	0.00	0.00	0.00	0	-
Investment in Associates	0.00	0.00	0.00	0	-
Investment Property	276,717	179,631	82,513	0	+54.05%
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	-17,532	-9,477	13,447	0	-84.99%
Deferred Tax Assets	119,284	95,426	93,598	0	+25.00%
Goodwill and Intangible Assets	1,500	1,713	2,159	0	-12.41%
Property & Equipment	114,359	139,874	146,500	0	-18.24%
Other Assets	292,101	281,681	309,270	0	+3.70%
Total Assets	10,113,057	8,458,781	8,086,023	0	+19.56%
Liabilities
Borrowings & Funding
Borrowings	132,642	231,678	150,006	0	-42.75%
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	132,642	231,678	150,006	0	-42.75%
Due to NRB	0.00	0.00	0.00	0	-
Deposits	8,885,232	7,357,139	6,947,949	0	+20.77%
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	371,687	331,119	330,197	0	+12.25%
Other Liabilities & Provisions	371,687	331,119	330,197	0	+12.25%
Total Liabilities	9,389,561	7,919,936	7,428,151	0	+18.56%
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	448,011	325,594	260,123	0	+37.60%
Reserves & Surpluses	-110,843	-295,494	-176,466	0	+62.49%
Retained Earnings	-558,854	-621,088	-436,590	0	+10.02%
Non-Controlling Interest	0.00	0.00	0.00	0	-
Total Equity	723,496	538,844	657,872	0	+34.27%
Total Liabilities & Equity	10,113,057	8,458,781	8,086,023	0	+19.56%

Sector Peers — Development Bank (19)

Peer Comparison

Development Bank SECTOR — NEPAL

2025/2026 Q4

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	795.1	-6.9	-0.86%	0	0.07	139.73	58.14%	3.55	9.54	9.54	173.19	4.57	5.24	24.24	6.24%	11.43	167.35	0.21	86.37	40.55	1.61	1.61%	6.91	6.91%
EDBL	575	+11.99	+2.13%	0.01	0.06	177.85	73.5%	8.6	24.76	24.76	314.77	4.55	4.84	25.48	4.57%	3.16	22.67	0.04	23.58	5.78	1.52	1.52%	14.34	14.34%
GBBL	454	+3.02	+0.67%	0.03	0.07	177.26	86.14%	9.59	28.04	28.04	334.41	4.04	4.67	22.5	4.76%	2.28	14.4	0.75	16.23	3.24	1.55	1.55%	16.88	16.88%
GBLBSP	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GRDBL	960	-5.02	-0.52%	0.01	0.07	122.83	84.95%	8.58	11.76	11.76	180.28	4.57	4.61	14.23	3.22%	8.46	88.34	-	85.2	12.58	1	1%	9.97	9.97%
JBBL	351.9	+3.59	+1.03%	0.02	0.07	170.97	81.07%	9.37	22.88	22.88	296.67	4.15	4.51	19.58	6.55%	1.98	14.82	-	15.17	2.9	1.34	1.34%	14.31	14.31%
KRBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-82.82	-	-	-	-	-
KSBBL	448	-2.21	-0.49%	0.02	0.07	165.11	86.34%	9.88	21.23	21.23	280.84	3.98	4.32	17.21	3.77%	2.87	22.33	1.25	21.54	3.84	1.21	1.21%	13.9	13.9%
LBBL	484.4	-1.51	-0.31%	0.02	0.07	213.73	86.63%	7.77	23.48	23.48	336.03	3.76	4.15	18.5	6.94%	2.26	20.59	0.17	21	3.81	1.25	1.25%	11.55	11.55%
MDB	560	+4.89	+0.88%	0.01	0.07	143.2	81.39%	5.15	11.6	11.6	193.33	4.37	4.26	20.94	0.26%	4.06	50.17	5.88	48.88	10.51	1.48	1.48%	8.16	8.16%
MLBL	356.2	-3.82	-1.06%	0.02	0.07	165.42	86.82%	7.72	13.96	13.96	227.94	4.19	4.65	14.52	6.32%	2.09	24.79	1.42	26.11	3.6	0.96	0.96%	8.63	8.63%
MNBBL	337	-1.01	-0.3%	0.03	0.07	161.82	83.86%	9.9	18.98	18.98	262.88	4.55	4.68	15.65	4.77%	2.24	19.12	-	17.7	2.99	1.09	1.09%	12.18	12.18%
MTBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NABBC	751.8	+6.78	+0.91%	0	0.03	29.47	49.34%	4	-10.25	-10.25	-	3.76	-1.82	-235.15	48.49%	26.98	-77.56	-	-78.54	182.34	-7.94	-7.94%	-47.61	-47.61%
SABBL	871	-1.92	-0.22%	0	0.07	103.52	63.31%	3.04	1.46	1.46	58.31	4.58	5.49	5.45	0.35%	8.07	571.92	-	614.38	31.26	0.38	0.38%	1.67	1.67%
SADBL	404.5	-7.04	-1.71%	0.02	0.07	169.5	83.37%	9.43	23.83	23.83	301.47	4.14	5.14	18.63	6.87%	2.38	16.95	0.31	17.65	3.16	1.37	1.37%	14.95	14.95%
SHBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SHINE	433	+3.9	+0.91%	0.02	0.07	159.48	84.18%	9.95	23.52	23.52	290.51	4.01	4.41	19.65	4.93%	2.6	17.64	0.27	18.28	3.47	1.4	1.4%	15.34	15.34%
SINDU	417.9	-0.59	-0.14%	0	0.06	96.87	66.92%	10.36	0.18	0.18	19.81	4.59	4.08	0.25	5.92%	6.92	3,722.22	-	2,361.11	9.54	0.01	0.01%	0.19	0.19%

AVG	546.65	0.28	0.06%	0.01	0.066	146.45	77.06%	7.79	15	15	233.6	4.25	4.22	0.11	7.6%	5.852	313.05	1.144	200.74	21.305	0.55	0.55%	6.76	6.76%
MED	454	-1.01	-0.22%	0.02	0.07	161.82	83.37%	8.6	18.98	18.98	271.86	4.19	4.61	18.5	4.93%	2.87	22.33	0.31	21.27	3.84	1.25	1.25%	11.55	11.55%
MAX	960	11.99	2.13%	0.03	0.07	213.73	86.82%	10.36	28.04	28.04	336.03	4.59	5.49	25.48	48.49%	26.98	3,722.22	5.88	2,361.11	182.34	1.61	1.61%	16.88	16.88%
MIN	337	-7.04	-1.71%	0	0.03	29.47	49.34%	3.04	-10.25	-10.25	19.81	3.76	-1.82	-235.15	0.26%	1.98	-77.56	0.04	-82.82	2.9	-7.94	-7.94%	-47.61	-47.61%