How much have commercial banks received as deposits and lent as loans by the end of Falgun 75/76? What is the total Credit-Deposit status of banking industry?

Nepal Rastra Bank (NRB) has published the Credit, Deposit and Capital figures of all commercial banks by the end of Falgun 2075/76.

As per the data published by the central bank, in terms of paid up capital, Agricultural Development Bank Limited (ADBL) is leading with a paid up capital of Rs.13.93 Arba, followed by Nepal Investment Bank Limited (NIB) and Mega Bank Limited (MEGA). The data indicated that still three commercial banks have not met the minimum paid up capital requirement. They are Nepal Credit and Commerce Bank (NCCB), Kumari Bank Limited (KBL) and Civil Bank Limited (CBL).

The total deposit amount, by the end of Falgun 75/76 stands at Rs.26.90 Kharba while the total loans and advances for the same period stands at Rs.23.96 Kharba. As per the data, 89% of the total deposits have been credited as loans and advances by commercial banks.

In terms of deposits, government owned Rastra Banijya Bank (RBB) is leading the industry with deposits of Rs.1.78 Kharba, followed by NIC Asia Bank (NICA) with deposits worth Rs.1.69 Kharba. Nabil Bank (NABIL) and Nepal Investment Bank (NIB) are trailing behind in the third and fourth place respectively. With deposits of Rs.42.79 Arba, Civil Bank Limited (CBL) becomes the commercial bank to have the lowest deposits in the industry.

In terms of loans and advances, NICA is the top lender in the industry with loans worth Rs.1.48 Kharba followed by RBB with loans worth Rs.1.35 Kharba. Similar to deposits, Civil Bank Limited (CBL) is also the lowest lender among commercial banks with loans worth Rs.43.93 Arba.