Number Of Institutions

As Per Fiscal Year :2079/2080

Month :BHADRA

Class "A" (Commercial Banks)

26

Class "B" (Development Banks)

17

Class "C" (Finance Companies)

17

Class "D" (Micro Finance Financial Institutions)

64

Deposit and Lending Trend

Consolidated Deposit and Lending Of A,B,C Class Bank's [In Millions]

Deposit [In Millions]

4,488,186.71

Commercial Bank's

502,302.80

Development Bank's

101,659.04

Finance Companies

Lending [In Millions]

4,210,074.68

Commercial Bank's

450,437.27

Development Bank's

91,836.20

Finance Companies

Monthly Financial Indicator

Overall Indicator Combining A,B,C class Financial Institutions

Fiscal Year :2079/2080
Month :BHADRA
Index Name A Class B Class C Class OVERALL
A. Credit, Deposit Ratios(%)
Total Deposit/GDP 92.51 10.35 2.10 104.96
Total Credit/GDP 86.78 9.28 1.89 97.95
Total Credit/ Total Deposit 93.80 89.67 90.34 93.33
CCD Ratio 87.71 86.81 87.73 87.63
Fixed Deposit/Total Deposit 56.84 67.61 71.22 58.19
Saving Deposit/Total Deposit 26.73 23.03 18.49 26.20
Current Deposit/Total Deposit 8.73 1.35 0.80 7.84
Call Deposit/Total Deposit 6.25 7.91 8.10 6.45
NPL/ Total Loan 1.20 1.36 6.23 1.31
Total LLP/Total Loan 2.27 2.13 6.85 2.34
Deprived Sector Loan/Total Loan 6.83 11.25 8.16 7.27
B. Liquidity Ratios (%)
Cash & Bank Balance/Total Deposit 7.10 7.31 8.22 7.15
Investment in Gov. Securities/Total Deposit 16.45 13.82 21.19 16.29
Total Liquid Assets/Total Deposit 24.97 24.88 35.57 25.17
C. Capital Adequacy Ratios (%)
Core Capital/RWA 10.73 10.55 15.64 10.81
Total Capital/RWA 13.53 13.10 17.75 13.58
D. Financial Access
No. of institutions 26.00 17.00 17.00 60.00
No. of Branches 5,054.00 1,120.00 273.00 6,447.00
No. of Deposit Accounts 39,880,391.00 5,653,594.00 668,708.00 46,202,693.00
No.of Loan Accounts 1,498,603.00 294,722.23 41,610.00 1,834,935.23
No. of Branchless Banking Centers 1,472.00 25.00 0.00 1,497.00
No. of Branchless Banking Customers 296,178.00 123.00 0.00 296,301.00
No. of Mobile Banking Customers 16,512,275.00 2,266,547.00 110,608.00 18,889,430.00
No. of Internet Banking Customers 1,280,515.00 414,866.00 10,710.00 1,706,091.00
No. of ATMs 4,291.00 326.00 44.00 4,661.00
No. of Debit Cards 10,707,067.00 595,018.00 47,277.00 11,349,362.00
No. of Credit Cards 258,021.00 22.00 0.00 258,043.00
No. of Prepaid Cards 111,857.00 1,171.00 0.00 113,028.00
E. Interest Rate(%)
Wt. Avg Interest Rate on Deposit 7.81 %
Wt.Avg Interest on Deposit-Saving 6.27 %
Wt.Avg Interest on Deposit-Fixed 10.34 %
Wt.Avg Interest on Deposit-Call 2.38 %
Wt. Avg Interest Rate on Credit 12.06 %
Index Name A Class B Class C Class OVERALL