Saptakoshi Development Bank Ltd

Development BankLow Cap

NPR 839.90

NPR +22.9+2.80%

09:14 AM NPT · Aug 7, 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

840.00

Low

800.00

Prev Close

817.00

Volume

24,319

Turnover

Rs 20,126,444.2

Txns

Valuation · Q3 FY25/26

EPS Ann.

9.43

EPS TTM

19.59

BVPS

72.90

P/E Ann.

89.07

P/E TTM

42.87

Graham #

124.37

Capital

Mkt Cap

7.01 Arab

Total

83.43 Lakh

Public

28.01 Lakh

Promoter

55.43 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Neutral

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

56.15

ADX

34.03

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

804.38

SMA 50

820.33

Bands & Channels

BB Width %

26.93%

Volume & Flow

OBV

8,926,107

Flow Analysis

[ Live 2026-08-07 ]

Total Buy

300,131

Shares Bought

Total Sell

300,131

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 55%

Distribution 45%

Accumulators

Quantity

142,143

Amount

121,356,331

Avg Rate

853.76

Rank

Brokers

#87#60#71#80

Distributors

Quantity

118,146

Amount

97,927,415

Avg Rate

828.87

Rank

Brokers

#93#28#58#63#49

Net Flow Impact:

+23,997units

(Rs. 23,428,916)

Net Flow by Timeframe

SAPDBL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 390,785 ]

Buy Side

Total: 192,687

Broker

QTY

AVG

NET

98,654

864.85

+80,527

32.9%

14,899

833.25

+13,077

5.0%

14,620

827.05

+12,568

4.9%

13,970

825.31

+11,555

4.7%

7,825

830.49

+7,825

2.6%

7,540

820.15

+2,012

2.5%

5,949

809.88

+3,864

2.0%

5,794

827.31

+2,834

1.9%

5,543

824.48

+5,493

1.9%

3,864

831.06

+323

1.3%

3,622

827.30

+561

1.2%

2,932

834.30

+1,222

1.0%

2,630

839.20

+866

0.9%

2,550

837.42

+1,400

0.8%

2,295

818.21

+1,397

0.8%

Sell Side

Total: 198,098

Broker

QTY

AVG

NET

64,565

812.79

-62,127

21.5%

20,248

864.24

-8,325

6.8%

16,376

824.92

-357

5.5%

14,435

839.67

-11,877

4.8%

11,082

826.59

-876

3.7%

10,515

834.04

-7,865

3.5%

8,774

846.07

-4,734

2.9%

8,383

842.21

-6,906

2.8%

8,349

858.54

-930

2.8%

8,084

846.01

-3,398

2.7%

7,441

858.74

-1,197

2.5%

5,344

832.28

-1,929

1.8%

5,240

850.84

-4,840

1.8%

4,862

841.33

-3,922

1.6%

4,400

864.00

-4,400

1.5%

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	1,065	+39.98	+3.9%	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	584	-3.88	-0.66%	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	-2.02	-0.48%	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	1,049	+1.15	+0.11%	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	340	-2.98	-0.87%	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	473.6	+1.6	+0.34%	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	491.9	+0.88	+0.18%	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	578.2	+0.17	+0.03%	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	350.9	-3.4	-0.96%	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	366.3	-3.21	-0.87%	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	825.4	-17.62	-2.09%	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	979	-6.01	-0.61%	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	408.4	-0.61	-0.15%	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	407.2	-0.98	-0.24%	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	691	-9.03	-1.29%	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	601.93	-0.4	-0.24%	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	491.9	-2.02	-0.48%	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	1,065	39.98	3.9%	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	340	-17.62	-2.09%	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%