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By Sandeep Chaudhary

Top Banks by Total Capital Fund in Nepal 2025

Top Banks by Total Capital Fund in Nepal 2025

The Nepal Rastra Bank’s provisional data for Asadh end 2082 highlights the capital strength of Nepal’s commercial banks through their Total Capital Fund. This indicator reflects the combined core and supplementary capital available to absorb risks and sustain growth. At the sectoral level, the total capital fund amounts to Rs. 764.67 billion, with wide variation across individual banks.

Leading the sector is Global IME Bank Limited, which tops the list with a total capital fund of Rs. 68.18 billion, reflecting its dominance as Nepal’s largest commercial bank. Close behind are Nepal Investment Mega Bank Limited (Rs. 64.09 billion) and Nabil Bank Limited (Rs. 64.00 billion). These three banks alone account for a significant portion of the sector’s total capital, positioning them as systemically important institutions with the strongest cushions against financial shocks.

Among other large banks, Kumari Bank Limited (Rs. 44.50 billion), Prabhu Bank Limited (Rs. 42.77 billion), and Laxmi Sunrise Bank Limited (Rs. 46.00 billion) also maintain robust capital funds, enabling them to expand lending while sustaining regulatory compliance. Mid-sized institutions like Everest Bank (Rs. 35.82 billion), NIC Asia Bank (Rs. 34.49 billion), and Himalayan Bank (Rs. 33.72 billion) also remain competitive with significant capital bases. On the smaller side, Sanima Bank (Rs. 26.07 billion), Nepal SBI Bank (Rs. 23.66 billion), and Standard Chartered Bank Nepal (Rs. 23.36 billion) operate with more modest capital levels, though Standard Chartered balances this with an exceptionally high CAR of 17.82%, indicating quality over scale.

This distribution shows that larger banks with high total capital funds are better positioned to absorb risks, support larger loan portfolios, and maintain investor confidence. Meanwhile, smaller banks, though adequately capitalized, rely more on efficiency, prudent risk management, and niche strategies rather than sheer financial strength.

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