2068-09 (Mid Jan, 2012)
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BANKING & FINANCIAL STATISTICS Monthly NEPAL RASTRA BANK Bank & Financial Institution Regulation Department Statistics Division 1200 1000 939 953 907 919 862 877 800 736 699 703 714 713 719 600 400 Rs. in Rs. billion 200 0 Mid Aug Mid Sep Mid Oct Mid Nov Mid Dec Mid Jan Deposit 2068 Poush (Mid Jan, 2012) (Provisional) Contents Page 1. Explanatory note 1 2. Major financial indicators 2 3. Statement of Assets & Liabilities of Bank & Financial Institutions (Aggregate) 3 4. Geographical distribution of: a. Bank & financial institutions' branches 11 b. Deposit 12 c. Credit 13 d. District wise distribution of bank & financial institutions' brancehs 14 e. District wise distribution of credit & deposit 16 5. Statement of Assets and Liabilities a. Commercial banks 18 b. Development banks 20 c. Finance companies 26 6. Profit & Loss account a. Commercial banks 32 b. Development banks 35 c. Finance companies 45 7. Sector‐ wise, product‐wise and security‐wise credit a. Commercial banks 55 b. Development banks 57 c. Finance companies 62 8. Micro‐credit development banks a. Major financial indicators 67 b. Statement of assets and liabilities 68 c. Profit & loss account 70 d. Progress report 73 9. List of bank and financial institutions with short name 77 Explanatory Notes 1 "Banking and Financial Statistics, Monthly" contains statistical information of NRB licensed Banks and Financial Institutions (BFIs). 2 Blank spaces in the headings and sub‐headings indicate the unavailability of data or nil in transactions or not submitted in prescribed format. 3 The following months of the Gregorian Calendar year are the approximate equivalent of the months of the Nepalese Calendar Year: Nepalese Month Gregorian Month Baisakh Mid‐May Jestha Mid‐June Ashadh Mid‐July Shrawan Mid‐Aug Bhadra Mid‐Sept Aswin Mid‐Oct Kartik Mid‐Nov Marga Mid‐Dec Poush Mid‐Jan Magh Mid‐Feb Falgun Mid‐Mar Chaitra Mid‐Apr 4 Statistics of following Licensed BFIs have been used. Commercial Development Finance Micro Total Banks Banks Companies –Credits Data available , out of total number 31 89 78 14 212 Total Number of Licensed BFIs 31 89 79 21 220 5 All the amount in this statistics are in million of rupees. 6 Short Names of BFIs are used in notification and their full names have been provided in the last page (List of Bank & Financial Institutions). 7 Urban represents all the municipalities (existing 58 and newly declared 41) as well as all VDCs in Kathmandu District. 8 Extension counters, micro finance branches and regional offices have not been included in total number of bank branches. 9 Deposit Collection & Loan Disbursement of BFI's are assumed to be of same district in which the Banks/Branches are located. 1 Major Financial Indicators as on Poush End, 2068 Class "A" Class "B" Class "C" Total A. Credit, Deposit Ratios (%) 1 Deposit/GDP 56.6 7.9 6.3 70.8 2 Credit/GDP 41.7 6.8 6.2 54.7 3 Credit/Deposit 73.8 85.7 97.6 77.2 4 Credit/Deposit & Core Capital 67.9 70.9 82.5 69.7 5 Investment/Deposit 21.5 5.5 5.0 18.2 6 Credit & Investment/Deposit 95.2 91.3 102.7 95.5 7 Fixed Depoist/Total Deposit 37.7 30.3 51.5 38.1 8 Saving Deposit/Total Deposit 33.8 47.5 42.3 36.1 9 Current Deposit/Total Deposit 9.6 1.9 0.1 7.9 10 NPL/ Total Loan 3.9 5.7 9.9 4.8 11 Total LLP/Total Loan 4.4 4.6 11.6 5.3 12 Deprived SectorLoan/Total Loan 3.8 30.1 2.4 6.9 B. Liquidity Ratios (%) 1 NRB Balance/Total Deposit 11.4 3.8 4.7 9.9 2 Cash Balance/Total Deposit 2.4 2.7 1.6 2.4 3 Total Liquid Fund/Total Deposit 30.9 35.4 30.5 31.4 C. Capital Adequacy Ratios 1 Core Capital/RWA (%) 8.5 21.9 18.1 10.8 2 Total Capital/RWA (%) 10.0 21.8 18.9 12.0 3 Total Capital/Total Deposit (%) 8.7 20.8 18.3 10.9 4 Total Capital/Total Credit (%) 13.7 24.1 19.6 15.7 D. Other Information 1 No. of Branches 1,300 629 336 2,265 2 No. of ATM 1,027 166 83 1,276 3 No. of Debit Card 2,360,781 179,451 118,495 2,658,727 4 No. of Credit Card 38,903 ‐ ‐ 38,903 5 No. of Deposit Accounts 6,395,849 1,166,664 739,670 8,302,183 6 No.of Loan 500,907 106,460 59,388 666,755 7 Wt. Avg Interest on Deposit 6.61 10.04 10.69 7.31 (a) Saving 4.92 9.10 9.55 5.95 (b) Fixed 9.60 12.63 12.62 10.17 (c) Call 7.50 9.59 10.22 7.77 8 Wt. Avg Interest on Credit 13.72 16.08 16.85 14.32 2 Statement of Assets and Liabilities of Bank & Financial Institutions (Aggregat Rs in million Mid-July Mid-Dec Mid-Jan Percentage change Liabilities 2009 2010 2011 2011 2012 Column Column Column Column 12345 2/1 3/2 4/3 5/4 1 CAPITAL FUND 50,265.6 75,485.9 103,407.5 111,355.4 108,783.3 50.2 37.0 7.7 (2.3) a. Paid-up Capital 59,200.3 78,357.1 98,418.2 100,239.8 101,424.5 32.4 25.6 1.9 1.2 b. Statutory Reserves 10,768.4 14,234.2 17,727.3 19,866.3 21,139.0 32.2 24.5 12.1 6.4 c. Retained Earning (27,890.5) (27,003.3) (24,280.9) (21,055.7) (26,766.3) (3.2) (10.1) (13.3) 27.1 d. Others Reserves 8,187.3 9,897.9 11,543.0 12,305.0 12,986.1 20.9 16.6 6.6 5.5 2 BORROWINGS 26,136.5 27,377.6 34,058.7 20,644.5 20,353.3 4.7 24.4 (39.4) (1.4) a. NRB 2,238.6 7,559.8 13,307.2 4,005.6 4,355.6 237.7 76.0 (69.9) 8.7 b. "A"Class Licensed Institution 14,110.2 9,794.3 10,916.0 6,571.5 5,788.5 (30.6) 11.5 (39.8) (11.9) c. Foreign Banks and Fin. Ins. 4,120.8 2,043.5 2,232.3 3,117.7 2,478.8 (50.4) 9.2 39.7 (20.5) d. Other Financial Ins. 2,135.0 4,247.5 1,453.4 1,360.8 1,630.7 98.9 (65.8) (6.4) 19.8 e. Bonds and Securities 3,531.9 3,732.6 6,149.8 5,589.0 6,099.6 5.7 64.8 (9.1) 9.1 3 DEPOSITS 668,679.5 785,238.0 869,951.4 939,485.6 952,724.0 17.4 10.8 8.0 1.4 a. Current 72,662.6 82,134.1 80,934.3 74,160.0 75,164.2 13.0 (1.5) (8.4) 1.4 b. Savings 314,013.3 305,780.5 305,589.2 332,713.0 344,091.5 (2.6) (0.1) 8.9 3.4 c. Fixed 183,054.1 265,134.6 332,726.3 359,930.8 363,408.6 44.8 25.5 8.2 1.0 d. Call Deposits 91,663.2 122,927.9 139,308.2 159,490.6 157,072.6 34.1 13.3 14.5 (1.5) e. Others 7,286.3 9,260.9 11,393.4 13,191.3 12,987.2 27.1 23.0 15.8 (1.5) 4 Bills Payable 1,766.8 1,256.4 964.9 832.6 783.8 (28.9) (23.2) (13.7) (5.9) 5 Other Liabilities 103,852.0 93,435.3 106,260.3 133,016.0 125,326.6 (10.0) 13.7 25.2 (5.8) 1. Loan Loss Provision 27,897.5 25,878.4 30,215.8 36,512.4 38,128.4 (7.2) 16.8 20.8 4.4 2. Interest Suspense a/c 29,443.1 27,923.6 28,130.0 34,416.1 31,569.1 (5.2) 0.7 22.3 (8.3) 3. Others 46,511.5 39,633.3 47,914.5 62,087.5 55,629.1 (14.8) 20.9 29.6 (10.4) 6 Reconcillation A/c 97,611.6 4,061.7 9,873.0 13,405.7 3,131.6 (95.8) 143.1 35.8 (76.6) 7 Profit & Loss A/c 19,293.2 21,114.2 20,201.9 4,403.7 7,189.0 9.4 (4.3) (78.2) 63.2 TOTAL 967,605.3 1,007,969.1 1,144,717.7 1,223,143.6 1,218,291.5 4.2 13.6 6.9 (0.4) Assets 1 LIQUID FUNDS 138,395.4 150,503.2 147,994.0 189,009.8 193,635.3 8.7 (1.7) 27.7 2.4 a. Cash Balance 17,754.0 20,454.9 23,950.2 22,708.3 23,637.8 15.2 17.1 (5.2) 4.1 Nepalese Notes & Coins 16,894.5 19,977.5 23,410.2 21,573.1 22,819.7 18.2 17.2 (7.8) 5.8 Foreign Currency 859.5 477.4 540.0 1,135.2 818.1 (44.5) 13.1 110.2 (27.9) b.