Kathmandu. Liquidity flow in commercial banks is increasing. As credit flow has not increased as expected, the investable amount in banks has reached close to 12 trillion.
20 commercial banks have collected 5997 billion deposits till Magh of the current year. During this period, banks have invested 4827 billion loans. The investable capital of banks has increased to more than 1170 billion. According to the data of the Nepal Bankers Association (NBA), the deposit-to-loan ratio has reached 79.35 percent.
Global IME Bank is the bank that collected the highest number of deposits in the 7 months of the current fiscal year. The bank has collected Rs 529 billion till Magh, while the bank’s credit flow is Rs 431 billion.
The second largest deposit-collecting bank is Nabil Bank. The bank has collected deposits of Rs 499 billion. Similarly, Nepal Investment Bank has collected deposits of Rs 447 billion in the first seven months of the current fiscal year, Rastriya Banijya Bank has collected deposits of Rs 444 billion, Kumari Bank has collected deposits of Rs 361 billion, Lakshmi Sunrise Bank has collected deposits of Rs 347 billion, Prabhu Bank has collected deposits of Rs 309 billion, Nepal Bank has collected deposits of Rs 304 billion, and NIC Asia Bank has collected deposits of Rs 302 billion.
Similarly, Himalayan Bank has collected deposits of Rs 300 billion, Everest Bank has collected deposits of Rs 261 billion, NMB Bank has collected deposits of Rs 261 billion, Krishi Bikas Bank has collected deposits of Rs 256 billion, Siddhartha Bank has collected deposits of Rs 243 billion, Prime Commercial Bank has collected deposits of Rs 238 billion, Sanima Bank has collected deposits of Rs 213 billion, Citizens Bank has collected deposits of Rs 200 billion, Machhapuchhre Bank has collected deposits of Rs 168 billion, while Nepal Data shows that SBI Bank has collected deposits of Rs 182 billion and Standard Chartered Bank of Rs 124 billion.
Global IME Bank ranks first in disbursing the largest number of loans
According to data released by the Nepal Bankers Association (NBA), Global IME Bank has ranked first in disbursing the largest number of loans in the 7 months of the current fiscal year. The bank has disbursed loans of Rs 431 billion in the 7 months.
Similarly, Nabil Bank is in second place in disbursing the largest number of loans. The bank has disbursed loans worth Rs. 411 billion. Similarly, Nepal Investment Bank has disbursed loans worth Rs 351 billion, Kumari Bank Rs 311 billion, Rastriya Banijya Bank Rs 283 billion, Lakshmi Sunrise Bank Rs 281 billion, and NIC Asia Bank Rs 252 billion.
So Himalayan Bank has disbursed loans worth Rs 250 billion, Prabhu Bank Rs 234 billion, NMB Bank Rs 232 billion, Nepal Bank Rs 224 billion, and Everest Bank Rs 220 billion.
Similarly, in the 7 months of the current fiscal year, Siddhartha Bank has disbursed loans worth Rs 216 billion, Prime Commercial Bank Rs 212 billion, Krishi Bikas Bank Rs 207 billion, and Citizens Bank Rs 168 billion. According to the data, Machhapuchhre Bank disbursed Rs. 143 billion, Nepal SBI Bank disbursed Rs. 139 billion, Sanima Bank disbursed Rs. 177 billion, and Standard Chartered Bank disbursed Rs. 85 billion.
Similarly, according to the data released by the Nepal Bankers Association, the average CD ratio of banks is 79.35 percent.
According to the association, the CD ratio of Rastriya Banijya Bank is 63 percent, Standard Chartered Bank is 68 percent, Nepal Bank is 73 percent, Nepal SBI Bank is 75.49 percent, Nepal Investment Mega Bank is 77.56 percent, Prabhu Bank is 75.84 percent, Global IME Bank is 78.77 percent, and Agriculture Development Bank is 79.35 percent. The bank’s CD ratio has been maintained at 75.43 percent.
Similarly, Citizens Bank has a CD ratio of 84.01 percent, Everest Bank has a CD ratio of 83.51 percent, Himalayan Bank has a CD ratio of 82.70 percent, Kumari Bank has a CD ratio of 81.80 percent, Laxmi Sunrise has a CD ratio of 80.80 percent, Machhapuchhre has a CD ratio of 83.60 percent, Nabil has a CD ratio of 82.44 percent, NIC Asia has a CD ratio of 83.07 percent, NMB Bank has a CD ratio of 83.62 percent, Prime Commercial has a CD ratio of 85.77 percent, Sanima has a CD ratio of 80.92 percent, and Siddhatha has a CD ratio of 85.02 percent.
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