सिंहदरबार संवाददाता
Kathmandu. According to data released by Nepal Rastra Bank, credit flowed from banks and financial institutions to the private sector has increased by 283.46 billion (5.6 percent) as of mid-Magh of the current fiscal year. Such credit had increased by 197.21 billion (4.1 percent) in the same period of the previous year.
On an annual point basis, credit flowed from banks and financial institutions to the private sector has increased by 7.3 percent in mid-Magh 2081. As of mid-Magh, the share of loans flowing to the non-financial institutional sector and the share of loans flowing to the individual and household sector among the loans flowing to the private sector from banks and financial institutions was 63.8 percent and 36.2 percent, respectively.
In the same period of the previous year, such shares were 63.2 percent and 36.8 percent, respectively. According to the data of the National Bank, among the loans to the private sector during the review period, the loan flow of commercial banks increased by 5.9 percent, that of development banks by 3.1 percent, and that of finance companies by 5.2 percent.
Similarly, as of mid-Magh, 14.4 percent of the loans invested by banks and financial institutions were secured by current assets (agricultural and non-agricultural goods) and 65.1 percent were secured by real estate collateral.
Among the loans invested by banks and financial institutions in the 7 months, loans to the industrial production sector increased by 9.5 percent, loans to the construction sector by 9.0 percent, loans to the wholesale and retail trade sector by 4.4 percent, loans to the transport, communication and public services sector by 6.7 percent, loans to the service industry sector by 1.1 percent, loans to the Loans to the transport, communication and public services sector increased by 6.7 percent, loans to the service industry sector by 70 percent, and loans to the consumer sector by 5.9 percent.
Among the loans issued by banks and financial institutions during the review period, term loans increased by 3.6 percent, margin loans by 27.8 percent, trust receipt (import) loans by 69.5 percent, hire purchase loans by 4.5 percent, cash flow loans by 3.7 percent, and real estate loans (including personal residential home loans) by 3.2 percent, while overdraft loans decreased by 12.4 percent.
Similarly, deposits in banks and financial institutions increased by 245 billion 340 million (3.8 percent) in the seven months of the current fiscal year. Such deposits had increased by 397.2 billion rupees in the same period of the previous year.
On an annual point basis, deposits in banks and financial institutions have increased by 9.7 percent as of mid-Magh 2081. Similarly, as of mid-Magh, the share of current, savings and term deposits in the total deposits of banks and financial institutions was 5.2 percent, 34.8 percent and 52.4 percent respectively.
In the same period of the previous year, such shares were 6.2 percent, 27.4 percent and 59.8 percent respectively. The share of institutional deposits in the total deposits of banks and financial institutions is 35.3 percent. In mid-Magh 2080, the share of such deposits was 36.4 percent.
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