Kathmandu. Deposits in banks and financial institutions increased by Rs 399.81 billion (6.2 per cent) during the review period. In the same period of the previous year, such deposits had increased by Rs 443.8 billion (7.8 percent).
On a year-on-year basis, deposits in banks and financial institutions increased by 11.4 percent in mid-April 2019. The share of current, savings and fixed deposits in the total deposits of banks and financial institutions was 5.5 percent, 35.9 percent and 50.8 percent respectively as of mid-April 2018. In the same period last year, the share was 5.0 percent, 29.1 percent and 59.0 percent respectively.
The share of institutional deposits in the total deposits of banks and financial institutions was 35.4 percent as of mid-April 2018. The share of such deposits stood at 35.7 per cent in mid-April 2018.
During the review period, private sector credit from banks and financial institutions increased by Rs 368.68 billion (7.3 per cent). In the same period of the previous year, such loans had increased by Rs 225.24 billion (4.7 percent). On a year-on-year basis, credit flow from banks and financial institutions to the private sector increased by 8.4 percent in mid-April 2019.
As of mid-April 2018, the share of loans disbursed to the private sector by banks and financial institutions was 63.1 percent and the share of loans to the individual and household sectors was 36.9 percent. It was 63.7 percent and 36.3 percent respectively in the same period of the previous year.
During the review period, the credit flow of commercial banks increased by 7.6 percent, development banks by 4.1 percent and finance companies by 6.5 percent. As of mid-April 2019, 14.6 per cent of the loans invested by banks and financial institutions were in the security of current assets (agricultural and non-agricultural goods) and 65.1 per cent in real estate security.
As of mid-April 2018, the share of loans disbursed in such collateral was 12.1 percent and 68.5 percent respectively.
In the 10 months of the fiscal year 2081/82, loans to the industrial production sector increased by 9.0 percent, construction sector by 12.3 percent, wholesale and retail trade sector by 4.9 percent, transport, communication and public service sector by 11.9 percent, service industry by 7.9 percent and consumer sector by 8.8 percent.
During the review period, term loans from banks and financial institutions increased by 5.1 percent, margin loans by 39.3 percent, trust receipt (import) loans by 58.1 percent, higher purchase loans by 4.1 percent, cash flow loans by 3.4 percent and real estate loans (including personal residential home loans) by 5.2 percent, while overseas loans decreased by 12.9 percent.
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