Number Of Institutions

As Per Fiscal Year :2078/2079

Month :BHADRA

Class "A" (Commercial Banks)

27

Class "B" (Development Banks)

18

Class "C" (Finance Companies)

17

Class "D" (Micro Finance Financial Institutions)

69

Deposit and Lending Trend

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

Deposit [In Millions]

4,173,560.32

Commercial Bank's

453,135.83

Development Bank's

92,255.89

Finance Companies

Lending [In Millions]

3,876,851.86

Commercial Bank's

406,137.19

Development Bank's

72,144.08

Finance Companies

Monthly Financial Indicator

Overall Indicator Combining A,B,C class Financial Institutions

Fiscal Year :2078/2079
Month :BHADRA
Index Name A Class B Class C Class OVERALL
A. Credit, Deposit Ratios(%)
Total Deposit/GDP 96.70153127 10.55656516 2.117490675 109.3755871
Total Credit/GDP 88.19906715 9.147035456 1.651985378 98.99808798
Total Credit/ Total Deposit 91.20751863 86.64783782 78.01618197 90.51205173
CCD Ratio 87.45 84.76 76.29 86.98
Fixed Deposit/Total Deposit 48.2226121 57.71496658 58.77461389 49.3430671
Saving Deposit/Total Deposit 34.22720174 30.54439332 28.50036731 33.76087898
Current Deposit/Total Deposit 8.411784252 2.104020752 0.995941107 7.659410736
Call Deposit/Total Deposit 8.022542467 9.589808533 10.07406113 8.213526749
NPL/ Total Loan 1.406351815 1.304784303 6.185747349 1.478127677
Total LLP/Total Loan 2.396511819 2.170299702 6.728943099 2.447906174
Deprived Sector Loan/Total Loan 7.432706227 14.89693997 13.05354686 8.248432893
B. Liquidity Ratios (%)
Cash & Bank Balance/Total Deposit 7.277358144 6.572711552 8.848195615 7.239759132
Investment in Gov. Securities/Total Deposit 15.63749286 12.77710516 22.74560974 15.49902962
Total Liquid Assets/Total Deposit 23.93565959 23.93152976 39.51234724 24.23682272
C. Capital Adequacy Ratios (%)
Core Capital/RWA 10.91553664 11.77274098 19.65881047 11.11941421
Total Capital/RWA 14.13379273 13.14416068 22.03515489 14.18572896
D. Financial Access
No. of institutions 27.00 18.00 17.00 62.00
No. of Branches 4766 1023 226 6015
No. of Deposit Accounts 32,927,622.00 4,332,374.48 510,989.00 37,770,985.48
No.of Loan Accounts 1,366,442.00 300,631.00 35,122.00 1,702,195.00
No. of Branchless Banking Centers 1,706.00 0.00 0.00 1,706.00
No. of Branchless Banking Customers 230,154.00 0.00 0.00 230,154.00
No. of Mobile Banking Customers 12,638,366.00 1,500,050.00 56,423.00 14,194,839.00
No. of Internet Banking Customers 1,115,532.00 37,063.00 7,726.00 1,160,321.00td>
No. of ATMs 3,982.00 304.00 43.00 4,329.00
No. of Debit Cards 8,459,435.00 348,411.00 32,009.00 8,839,855.00
No. of Credit Cards 192,370.00 0.00 0.00 192,370.00
No. of Prepaid Cards 65,786.00 0.00 0.00 65,786.00
E. Interest Rate(%)
Wt. Avg Interest Rate on Deposit % 4.76
Wt.Avg Interest on Deposit-Saving % 2.919443779
Wt.Avg Interest on Deposit-Fixed % 7.771302277
Wt.Avg Interest on Deposit-Call % 0.936598614
Wt. Avg Interest Rate on Credit % 8.48
Index Name A Class B Class C Class OVERALL