Saptakoshi Development Bank Ltd

Development BankLow Cap

NPR 564.00

NPR +7+1.26%

09:14 AM NPT · Nov 6, 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

540.00

High

570.00

Low

540.00

Prev Close

557.00

Volume

10,047

Turnover

Rs 5,674,912.6

Txns

Valuation · Q4 FY25/26

EPS Ann.

18.04

EPS TTM

18.04

BVPS

86.71

P/E Ann.

31.26

P/E TTM

31.26

Graham #

187.60

Capital

Mkt Cap

4.71 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 Sell

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

42.25

ADX

29.21

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

563.23

SMA 50

622.24

Bands & Channels

BB Width %

9.16%

Volume & Flow

OBV

8,839,382

Flow Analysis

[ Live 2026-11-06 ]

Total Buy

45,467

Shares Bought

Total Sell

45,467

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 47%

Distribution 53%

Accumulators

Quantity

10,498

Amount

5,952,999

Avg Rate

567.06

Rank

#15

Brokers

#80#35#4#63

Distributors

Quantity

11,748

Amount

6,615,685

Avg Rate

563.13

Rank

#13

Brokers

#19#71#48#7

Net Flow Impact:

-1,250units

(Rs. -662,686)

Net Flow by Timeframe

SAPDBL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 56,825 ]

Buy Side

Total: 31,987

Broker

QTY

AVG

NET

4,300

563.32

+793

9.5%

3,726

567.34

+2,070

8.2%

3,392

566.14

+1,458

7.5%

3,000

565.00

+2,500

6.6%

2,581

565.12

+1,455

5.7%

2,072

567.82

+2,031

4.6%

1,750

562.49

+428

3.9%

1,739

572.29

+539

3.8%

1,700

569.16

+1,570

3.7%

1,605

564.11

+1,071

3.5%

1,485

564.59

+715

3.3%

1,443

558.50

+518

3.2%

1,254

556.57

+1,254

2.8%

1,040

573.16

+30

2.3%

900

559.78

+420

2.0%

Sell Side

Total: 24,838

Broker

QTY

AVG

NET

4,128

577.29

-1,919

9.1%

3,462

557.10

-3,402

7.6%

3,310

565.35

-2,920

7.3%

2,490

567.67

-2,470

5.5%

2,486

564.05

-2,476

5.5%

1,395

575.25

-1,160

3.1%

1,100

563.18

-1,100

2.4%

1,020

551.58

-510

2.2%

1,000

551.07

-1,000

2.2%

999

576.02

-249

2.2%

859

569.40

-507

1.9%

850

560.35

-500

1.9%

700

562.10

-690

1.5%

539

570.89

-539

1.2%

500

553.29

-430

1.1%

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	762	-1.99	-0.26%	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	568.9	-1.08	-0.19%	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	411.7	+0.7	+0.17%	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	934.9	+24.93	+2.74%	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	354.5	+2.5	+0.71%	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	481	+3.72	+0.78%	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	527	+5.01	+0.96%	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	570	+3.4	+0.6%	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	373	-1.8	-0.48%	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	344	+0.89	+0.26%	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	663	+0.99	+0.15%	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	795	-6.98	-0.87%	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	393.9	+1.88	+0.48%	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	408.3	-3.5	-0.85%	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	406	+2.1	+0.52%	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	532.88	2.05	0.31%	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	481	0.99	0.26%	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	934.9	24.93	2.74%	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	344	-6.98	-0.87%	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%