As Per Fiscal Year :2079/2080
Month :BHADRA
Class "A" (Commercial Banks)
Class "B" (Development Banks)
Class "C" (Finance Companies)
Class "D" (Micro Finance Financial Institutions)
Consolidated Deposit and Lending Of A,B,C Class Bank's [In Millions]
Commercial Bank's
Development Bank's
Finance Companies
Commercial Bank's
Development Bank's
Finance Companies
Overall Indicator Combining A,B,C class Financial Institutions
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 |