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As Per Fiscal Year :2077/2078
Month :JESTHA
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 | 101.27 | 10.54 | 2.55 | 114.37 |
| Total Credit/GDP | 92.63 | 9.42 | 2.14 | 104.19 |
| Total Credit/ Total Deposit | 91.46 | 89.34 | 83.83 | 91.09 |
| CCD Ratio | 78.69 | 80.38 | 70.02 | 78.64 |
| Fixed Deposit/Total Deposit | 47.33 | 55.88 | 57.15 | 48.34 |
| Saving Deposit/Total Deposit | 33.98 | 31.98 | 30.66 | 33.72 |
| Current Deposit/Total Deposit | 9.41 | 1.76 | 0.89 | 8.52 |
| Call Deposit/Total Deposit | 8.2 | 10.34 | 9.85 | 8.43 |
| NPL/ Total Loan | 1.41 | 1.35 | 5.71 | 1.5 |
| Total LLP/Total Loan | 2.04 | 1.66 | 5.8 | 2.08 |
| Deprived Sector Loan/Total Loan | 7.43 | 14.9 | 13.05 | 8.25 |
| B. Liquidity Ratios (%) | ||||
| Cash & Bank Balance/Total Deposit | 8 | 6.59 | 12.43 | 7.97 |
| Investment in Gov. Securities/Total Deposit | 14.93 | 9.82 | 16.59 | 14.5 |
| Total Liquid Assets/Total Deposit | 24.04 | 20.61 | 36.9 | 24.01 |
| C. Capital Adequacy Ratios (%) | ||||
| Core Capital/RWA | 10.86 | 11.72 | 19.05 | 11.08 |
| Total Capital/RWA | 13.52 | 13.17 | 21.09 | 13.64 |
| D. Financial Access | ||||
| No. of institutions | 27.00 | 18.00 | 20.00 | 65.00 |
| No. of Branches | 4694 | 1016 | 264 | 5974 |
| No. of Deposit Accounts | 31,565,374.00 | 4,088,498.00 | 712,169.00 | 36,366,041.00 |
| No.of Loan Accounts | 1,334,000.00 | 301,514.00 | 47,331.00 | 1,682,845.00 |
| No. of Branchless Banking Centers | 1,739.00 | 0.00 | 0.00 | 1,739.00 |
| No. of Branchless Banking Customers | 217,826.00 | 0.00 | 0.00 | 217,826.00 |
| No. of Mobile Banking Customers | 12,149,181.00 | 1,296,284.00 | 145,910.00 | 13,591,375.00 |
| No. of Internet Banking Customers | 1,084,369.00 | 31,232.00 | 7,287.00 | 1,122,888.00td> |
| No. of ATMs | 3,950.00 | 296.00 | 54.00 | 4,300.00 |
| No. of Debit Cards | 8,215,210.00 | 315,652.00 | 42,520.00 | 8,573,382.00 |
| No. of Credit Cards | 188,507.00 | 0.00 | 0.00 | 188,507.00 |
| No. of Prepaid Cards | 59,777.00 | 0.00 | 0.00 | 59,777.00 |
| E. Interest Rate(%) | ||||
| Wt. Avg Interest Rate on Deposit | % | 4.72 | ||
| Wt.Avg Interest on Deposit-Saving | % | 2.72 | ||
| Wt.Avg Interest on Deposit-Fixed | % | 7.66 | ||
| Wt.Avg Interest on Deposit-Call | % | 0.96 | ||
| Wt. Avg Interest Rate on Credit | % | 8.46 | ||
| Index Name | A Class | B Class | C Class | OVERALL |
