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