Banking & Financial StatiSticS
(Monthly)
(Provisional)
- Deposit
- Credit
3800 3600
3400
3200 3000 2800 2600
2400
3,697 3,255 
3,668 3,268 
3,614 3,223 
3,565 3,189 
3,561 3,165 
3,475 
- 3,445
- 3,443
3,038 
3,356 
2,977
3,354 2,914 
3,333 2,920 
3,210 2,889 
3,090
3,056 
Mid Jun Mid Jul Mid Aug Mid Sep Mid Oct Mid Nov Mid Dec Mid Jan Mid Feb Mid Mar Mid Apr Mid May 
2019 2019 2019 2019 2019 2019 2019 2020 2020 2020 2020 2020 
Nepal RastRa BaNk
Banks & Financial Institution Regulation Department
2077 Baisakh Mid-May, 2020
Contents
Page
- 1
- 1. Explanatory Notes
- 2. Major Financial Indicators
- 2
3. Statement of Assets & Liabilities of Banks & Financial Institutions
4. Profit & Loss Account of Banks & Financial Institutions 
37
- 5. Statement of Sector wise, Product wise and Security wise Credit
- 11
6. Statement of Assets and Liabilities
- a. Commercial Banks
- 15
17 22 b. Development Banks c. Finance Companies
7. Profit & Loss Account a. Commercial Banks b. Development Banks c. Finance Companies 
23 25 28 
8. Sector- wise, product-wise and security-wise credit
- a. Commercial Banks
- 31
33 36 b. Development Banks c. Finance Companies
9. Micro-credit Development Banks a. Major Financial Indicators b. Statement of Assets and Liabilities c. Profit & Loss Account 
39 39 39 39 
10. Districtwise Branch List
40
- 42
- 11. Interest Rate Structure of Commercial Banks
Annexure
- 1. List of Bank and Financial Institutions with Short Name
- Annex 1
Explanatory Notes
"Banking and Financial Statistics, Monthly" contains statistical information of NRB licensed
Banks and Financial Institutions (BFIs).
123
Blank spaces in the headings and sub-headings indicate the unavailability of data or nil in transactions or not submitted in prescribed format. The following months of the Gregorian Calendar year are the approximate equivalent of the months of the Nepalese Calendar Year:
Nepalese Month
Baisakh Jeth
Gregorian Month
Mid-May Mid-June Mid-July Mid-Aug Mid-Sept Mid-Oct 
Asar Saun Bhadau Asoj Kattik Mangsir 
Pus 
Mid-Nov Mid-Dec Mid-Jan 
- Magh
- Mid-Feb
Fagun Chait 
Mid-Mar Mid-Apr 
4
Statistics of following Licensed BFIs have been used.
- Commercial Development
- Finance
Companies 
Micro 
–Credits
Total
- Banks
- Banks
Data available , out of total number Total Number of Licensed BFIs* 
27 27 
23 23 
22 22 
89 90 
161 162 
* Samjhana Finance Ltd. and Himalaya Finance Ltd. ("C" class Financial Institution ) are in the process of liquidation 
567
All the amount in this statistics are in million of rupees. Short Names of BFIs are used in notification and their full names have been provided in the Annexure -I. Balance Sheet and Profit & Loss Statement of Commercial Bank and Development Bank is based on NFRS reporting whereas Finance Company is based on NAS. 
1
Major Financial Indicators
as on Baisakh End, 2077 (Mid-May, 2020)
- Class "A"
- Class "B"
- Class "C"
- Overall
A. Credit, Deposit Ratios (%)
12
- 92.86
- 11.47
9.71
- 2.40
- 106.73
- Total Deposit/GDP
82.09 88.40 75.26 47.44 31.67 
9.42 
2.15 
89.69 73.19 53.85 28.38 
0.37 
93.95 88.03 74.84 47.36 31.38 
9.33 
Total Credit/GDP 
- 3
- 84.64
74.23 45.33 29.64 10.44 14.42 
1.48 
Total Credit/ Total Deposit CCD Ratio# 
45678
Fixed Deposit/Total Deposit Saving Deposit/Total Deposit Current Deposit/Total Deposit Call Deposit/Total Deposit 
10.41 
1.72 
13.33 
6.76 
10.91 
1.81 
NPL/ Total Loan @ 
910 11 
- 2.14
- 11.45
9.75
- 8.82
- 3.26
- Total LLP @ /Total Loan
Deprived Sector Loan/Total Loan $
@
- 6.47
- 8.44
- 6.85
B. Liquidity Ratios (%)
123
9.22 
13.70 24.38 
9.14 5.69 
26.72 
12.21 11.35 32.92 
9.28 
12.79 24.82 
Cash & Bank Balance/Total Deposit Investment in Gov. Securities/Total Deposit Total Liquid Assets/Total Deposit 
C. Capital Adequacy Ratios (%)@
12
11.23 13.38 
13.11 14.22 
18.62 19.99 
11.55 13.59 
Core Capital/RWA Total Capital/RWA 
D. Financial Access
12
- No. of institutions
- 27
4,219 
23 
1,216 
22 
239 
72 
- 5,674
- No. of Branches
No. of Deposit Accounts@ No.of Loan Accounts@
- 3
- 26,568,299
1,150,750 
1,586 
- 4,668,363
- 649,117
- 31,885,779
1,525,435 
1,586 
- 4
- 329,196
- 45,489
No. of Branchless Banking Centers@ No. of Branchless Banking Customers@ No. of Mobile Banking Customers@ No. of Internet Banking Customers@ No. of ATMs@
- 5
- -
- -
- 6
- 190,250
9,465,648 
959,636 
3,566 
-
1,118,251 
27,334 
328 
-
86,173 
5,754 
51 
190,250 
10,670,072 
992,724 
3,945 
789
No. of Debit Cards@ 
10 11 12 
6,943,150 
156,749 
65,530 
269,319 
-
30,684 
-
7,243,153 
156,749 
65,530 
No. of Credit Cards@ No. of Prepaid Cards@ 
- -
- -
E. Interest Rate(%)
Wt. Avg Interest Rate on Deposit
1
6.44
4.27 9.45
(a) Saving (b) Fixed (c) Call
2.83
Wt. Avg Interest Rate on Credit
2
10.99
Note: Bank balance includes money at call Nominal GDP(At Producer's Price) for 2018/19 Rs. 34,64,319 million(Preliminary) Negative core capital has been excluded in calculation of Capital Adequacy Ratios $ 6 months prior Total Loan is taken to calculate Deprived Sector Lending Ratio # Baisakh month end (last day) CCD ratio @ Data as on 3rd Quarter of FY2076/77 (2019/20)
2
Statement of Assets and Liabilities of Banks & Financial Institutions (Aggregate) 
Mid-July 
2018 
2
Mid-Apr 
2020 
Mid-May 
2020 
Liabilities
% Change
2017
1
2019
3
446,402 305,885 
76,174 
4,538 
59,805 90,729 22,927 34,286 
3,299 
- 4
- 5
- 2/1
- 3/2
- 5/4
0.22 0.00
12
CAPITAL FUND 
308,652 225,314 
53,665 (3,005) 32,678 31,800 
7,094 
- 370,014
- 483,713
328,811 
92,259 
4,340 
58,304 
112,277 
20,140 27,106 
9,406 
484,783 328,811 
91,774 
2,716 
61,482 
119,201 
20,318 30,531 10,509 
2,778 
55,065 
3,697,390 
344,863 
1,160,068 1,751,030 
403,227 
38,202 
1,838 
19.88 25.25 18.80 
20.64 
8.39 
19.48 
a. Paid-up Capital b. Statutory Reserves c. Retained Earning d. Others Reserves
BORROWINGS
a. NRB b. "A"Class Licensed Institution c. Foreign Banks and Fin. Ins. d. Other Financial Ins. e. Bonds and Securities
DEPOSITS
282,196 
63,756 (1,932) 25,995 35,453 12,122 
8,583 
-0.53 
-35.71 -334.90 -37.43 -20.45 130.07 11.49 155.92 
5.45 6.17 0.88 
12.64 11.73 
3.72 
- 70.87
- 89.14
- 9,094
- -5.62 299.48
- -
- -
- 0.00
- 0.00
- 5,299
- 2,436
- 3,283
- 2,678
- -54.04
- 34.79
10,312 
2,384,807 
204,361 816,572 998,259 333,350 
32,265 
2,219 
12,312 
2,836,930 
256,809 947,024 
1,229,731 
367,597 
35,770 
3,109 
26,935 
3,354,428 
311,505 
1,060,516 1,526,497 
417,390 
38,519 
2,309 
52,947 
3,668,171 
302,758 
1,139,865 1,779,234 
404,340 
41,974 
2,159 
- 19.39 118.76
- 4.00
0.80
3
18.96 25.66 15.98 23.19 10.27 10.86 
18.24 21.30 11.98 24.13 13.55 
7.69 
a. Current b. Savings c. Fixed
13.91 
1.77 -1.59 -0.28 -8.99 
d. Call Deposits e. Others
- Bills Payable
- 4
5
40.09 -25.72 -14.88
Other Liabilities
1. Loan Loss Provision 2. Interest Suspense a/c 3. Others
Reconcillation A/c Profit & Loss A/c 
TOTAL 
224,201 
52,553 34,892 
136,756 
2,359 
263,876 
55,009 37,705 
171,163 
4,265 
303,249 
54,893 20,271 
228,085 
15,556 73,519 
4,286,193
392,517 
69,003 28,113 
295,401 
3,342 
433,582 
69,926 31,393 
332,264 
3,348 
17.70 
4.67 8.06 -46.24 
25.16 33.26 80.84 264.72 
14.92 -0.21 
10.46 
1.34 
11.67 12.48 
0.16 
67
54,882
3,008,920
61,338
3,574,985
50,983
4,713,162
55,158
4,795,300
11.76
18.81
19.86
19.89
8.19
1.74
Assets
- 1
- LIQUID FUNDS
a. Cash Balance 
Nepalese Notes & Coins Foreign Currency b. Bank Balance 
1. In Nepal Rastra Bank 2. "A"Class Licensed Institution 3. Other Financial Ins. 4. In Foreign banks c. Money at Call 
INVESTMENTS
a. Govt.Securities b Others
423,242 
64,373 63,283 
1,090 
305,795 233,257 
38,882 
6,369 
27,287 53,074 
232,707 214,381 
18,326 
129,938 
439,299 
74,893 72,208 
2,685 
298,098 218,135 
41,055 
7,557 
31,352 66,307 
331,231 295,854 
35,377 
109,665 
466,279 
92,563 84,640 
7,923 
295,862 215,138 
29,036 13,010 38,678 77,853 
375,402 374,262 
1,140 
438,901 
97,726 85,287 12,439 
250,597 172,331 
23,525 
9,533 
45,209 90,578 
409,640 408,300 
1,340 
444,907 
82,869 73,776 
3.79 
16.34 14.10 
6.14 
23.59 -15.20 17.22 -13.50 
1.37 
9,092 146.37 195.09 -26.90 
260,236 190,798 
19,592 
7,714 
42,131 
101,803 474,751 472,810 
1,941 
-2.52 -6.48 
-0.75 -1.37 
3.85 
10.72 
5.59 -29.28 -16.72 
18.65 14.89 24.93 42.34 38.00 
72.16 -19.07 23.37 17.41 13.34 26.50 
-6.81 12.39 15.89 15.80 44.84 -1.52 
2
93.05 -96.78 -15.60
34
SHARE & OTHER INVESTMENT LOANS & ADVANCES (Including Bills Purchased) 
- 186,189
- 181,505
- 178,751
- 69.78
1,994,078 1,976,880 1,923,942 
44,543 
8,394 
2,422,798 2,419,842 2,355,915 
58,056 
5,871 
2,913,970 2,910,511 2,819,279 
86,056 
5,176 
3,267,676 3,264,098 3,147,504 
112,717 
3,877 
3,254,715 3,251,196 3,141,502 
106,394 
3,300 
21.50 22.41 22.45 30.34 
20.27 20.28 19.67 48.23 
-0.40 -0.40 -0.19 -5.61 
4.1 LOANS & ADVANCES
a. Private Sector b. Financial Institutions c. Government Organizations
4.2 BILLS PURCHASED LOANS AGT. COLLECTED BILLS FIXED ASSETS
-30.06 -11.83 -14.89 -82.81 -77.46 -100.00 17.54 24.49 14.98 27.28 
17,199 
571 
2,956 
129 
3,459 
-
3,578 
-
3,520 
-
- 17.03
- -1.62
0.00 0.81 
13.01 -0.35 19.80 
567
40,634 
166,139 
37,666 
128,473 
279 
47,763 
206,834 
43,309 
163,525 
264 
71,420 
253,949 
46,171 
207,777 
26 
77,263 
315,698 134,353 140,798 
173 
77,888 
356,763 133,889 168,683 
144 
49.53 22.78 
6.61 
OTHER ASSETS
a. Accrued Interests b. Others
Expenses not Written off Non Banking Assets
27.06
89
-5.36 -89.99 -16.88
- 3.33
- 4,465
- 4,614
- 5,716
- 6,645
- 6,643
- 23.87
- -0.04
10 Reconcillation Account 11 Profit & Loss A/c 
TOTAL 
16,631 
235 
3,008,920
12,389 
1
3,574,985
13,167 
75 
4,286,193
15,105 
557 
4,713,162
221 516
4,795,300
-25.51
-99.69 10417.22
18.81 19.89
6.28 -98.53 
-7.29 
1.74
3
Statement of Assets and Liabilities of Commercial Banks 
Mid-July 
2018 
Mid-Apr 
2020 
Mid-May 
2020 
Liabilities
% Change
2017
1
2019
- 3
- 2
- 4
- 5
- 2/1
- 3/2
- 5/4
0.29 0.00 -0.41 
-20.43 
5.49 
12
CAPITAL FUND 
262,230 185,011 
46,702 
891 
29,627 29,667 
6,081 7,974 
-
5,299 
10,312 
2,093,256 
199,360 703,029 879,140 285,289 
26,438 
2,179 
190,587 
41,453 26,199 
122,935 
(2,298) 45,610 
2,621,230
314,190 231,458 
56,203 
3,053 
23,477 33,552 11,690 
7,113 
385,245 252,260 
67,359 
8,249 
57,377 82,024 21,327 27,181 
3,299 
421,390 277,155 
82,927 
6,955 
54,352 
106,392 
19,274 22,436 
9,406 
422,612 277,155 
82,588 
19.81 25.10 20.34 
22.62 
8.99 
19.85 
a. Paid-up Capital b. Statutory Reserves c. Retained Earning d. Others Reserves
BORROWINGS
a. NRB b. "A"Class Licensed Institution c. Foreign Banks and Fin. Ins. d. Other Financial Ins. e. Bonds and Securities
DEPOSITS
a. Current b. Savings c. Fixed d. Call Deposits e. Others
Bills Payable Other Liabilities
1. Loan Loss Provision 2. Interest Suspense a/c 3. Others
Reconcillation A/c Profit & Loss A/c 
TOTAL 
5,534 242.69 170.19 
57,335 
114,092 
18,351 27,840 10,509 
-20.76 144.40 13.09 144.47 92.25 -10.80 282.13 
0.00 
7.24 
- 82.43
- -4.79
24.09 11.73 
3.72 3.83 0.84 
- -
- 0.00
- 34.79
- 2,436
- 3,283
- 2,678
- 2,778
54,615 
-54.04 
- 19.39 118.76
- 12,312
2,471,514 
249,248 811,668 
1,070,788 
308,550 
31,261 
3,050 
228,764 
44,118 28,593 
156,052 
(432) 
26,935 
2,880,092 
301,550 901,359 
1,308,269 
336,801 
32,114 
2,239 
264,670 
42,916 10,597 
211,156 
8,608 
52,599 
3,190,249 
293,068 990,438 
1,534,162 
337,465 
35,116 
2,123 
356,966 
58,825 16,745 
281,395 
3,313 
3
3,217,003 
303,062 
1,018,726 1,526,194 
334,853 
34,168 
1,818 
393,063 
59,211 18,518 
315,334 
3,413 
49,661 
4,201,661
18.07 25.02 15.45 21.80 
8.15 
16.53 20.98 11.05 22.18 
9.16 
3.41 2.86 -0.52 -0.77 -2.70 
-14.36 10.11 
0.66 
10.58 12.06 
3.02 
18.24 40.00 -26.59 
2.73 
45
20.03 
6.43 9.14 -62.94 
26.94 35.31 
-81.22 -2094.36
15.70 -2.72
67
53,633
3,104,271
64,456
3,687,334
45,649
4,126,082
17.59
18.43
20.18
18.78
8.79
1.83
Assets
- 1
- LIQUID FUNDS
a. Cash Balance 
Nepalese Notes & Coins Foreign Currency b. Bank Balance 
1. In Nepal Rastra Bank 2. "A"Class Licensed Institution 3. Other Financial Ins. 4. In Foreign banks c. Money at Call 
INVESTMENTS
a. Govt.Securities b Others
335,601 
56,469 55,472 
997 
261,547 218,402 
15,694 
227 
27,224 17,585 
226,811 208,700 
18,111 
126,101 
328,307 
66,242 63,741 
2,501 
244,464 201,684 
11,245 
192 
31,344 17,601 
321,107 285,850 
35,257 
103,824 
348,011 
82,456 74,684 
7,772 
242,924 196,554 
7,476 
328,001 
88,166 75,944 12,223 
208,368 155,797 
7,126 
343,441 
73,683 64,647 
-2.17 17.31 14.91 
6.00 
24.48 17.17 
4.71 
-16.43 -14.87 -26.07 
7.00 
11.58 -6.01 18.68 -6.81 48.75 13.46 13.49 -0.93 -1.58 
9,036 150.87 210.80 
222,949 173,841 
6,698 
-6.53 -7.65 
-28.35 -33.51 -15.65 15.13 
0.09 
41.57 36.97 
-0.63 -2.54 
 
												 
												 
												 
												 
												 
												 
												 
												 
												 
												 
												