Kathmandu. Deposits in banks and financial institutions have increased by 368.47 billion rupees (5.7) in the first nine months of the current fiscal year. In the same period of the previous year, deposits had increased by 7.2 percent, or 49.4 billion rupees.
On an annual point basis, total deposits in banks and financial institutions have increased by 11.5 percent as of mid-Chait 2081.
In mid-Chait 2081, the share of current, savings and fixed deposits in the total deposits of banks and financial institutions was 5.7 percent, 35.8 percent and 51.0 percent respectively. In the same period of the previous year, such shares were 5.2 percent, 29.1 percent and 58.9 percent respectively.
As of mid-Chait 2081, the share of institutional deposits in the total deposits of banks and financial institutions was 35.4 percent. As of mid-Chait 2080, the share of such deposits was 35.7 percent.
Similarly, according to data released by Nepal Rastra Bank, credit flow from banks and financial institutions to the private sector has increased by Rs. 361.3 billion (7.1 percent) during the review period. In the same period of the previous year, such loans had increased by Rs. 222.2 billion (4.6 percent).
On an annual point basis, loans from banks and financial institutions to the private sector increased by 8.3 percent in mid-Chait 2081.
In mid-Chait 2081, the share of loans to the non-financial institutional sector and the share of loans to the individual and household sector was 63.4 percent. In the same period of the previous year, such shares were 62.7 percent and 37.3 percent, respectively.
Among the loans to the private sector during the review period, the loan flow of commercial banks increased by 7.4 percent, that of development banks by 4.6 percent, and that of finance companies by 6.4 percent.
As of mid-March 2081, 14.6 percent of the loans invested by banks and financial institutions were secured by current assets (agricultural and non-agricultural goods) and 65.2 percent were secured by real estate collateral. 2080 Chaitra
At the end of the year, the share of loans flowed against such collateral was 11.4 percent and 67.6 percent, respectively. In the first nine months of the fiscal year 2081/82, among the loans invested by banks and financial institutions, loans to the industrial production sector increased by 9.6 percent, loans to the construction sector by 11.4 percent, loans to the wholesale and retail trade sector by 5.2 percent, loans to the transport, communication and public services sector by 10.2 percent, loans to the service industry sector by 8.6 percent, and loans to the consumer sector by 8.3 percent.
Among the loans disbursed by banks and financial institutions during the review period, term loans increased by 4.9 percent, margin loans by 37.8 percent, trust receipt (import) loans by 60.6 percent, hire purchase loans by 4.1 percent, cash flow loans by 5.2 percent, and real estate loans (including personal residential home loans) by 4.9 percent, while overdraft loans decreased by 12.1 percent.
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