Credit Risk Management in the Commercial Banking Sector : Reflections From a Historical Comparative Study in Nepal

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Bank B had higher intermediation intensity and better asset quality compared to Bank A, leading to stronger profitability links.
Liquidity buffers were significantly higher at Bank A, though both banks showed average current ratios below 1.
Using financial statement analysis, significant correlations were found between loans, deposits, and net profit for both banks.
Key contrasts in governance and risk management highlight the need for better credit practices as guided by Nepal Rastra Bank.

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Historical comparison reveals differing credit risk profiles and profitability between two commercial banks in Nepal.

Aryal et al. (2025) studied this question.

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