Number Of Institutions

As Per Fiscal Year :2077/2078

Month :CHAITRA

Class "A" (Commercial Banks)

27

Class "B" (Development Banks)

18

Class "C" (Finance Companies)

20

Class "D" (Micro Finance Financial Institutions)

74

Deposit and Lending Trend

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

Deposit [In Millions]

3,945,547.38

Commercial Bank's

416,459.79

Development Bank's

102,609.49

Finance Companies

Lending [In Millions]

3,572,211.53

Commercial Bank's

367,902.28

Development Bank's

84,663.06

Finance Companies

Monthly Financial Indicator

Overall Indicator Combining A,B,C class Financial Institutions

Fiscal Year :2077/2078
Month :CHAITRA
Index Name A Class B Class C Class OVERALL
A. Credit, Deposit Ratios(%)
Total Deposit/GDP 100.05 10.56 2.6 113.21
Total Credit/GDP 90.59 9.33 2.15 102.07
Total Credit/ Total Deposit 90.55 88.34 82.51 90.16
CCD Ratio 78.62 80.23 69.66 78.55
Fixed Deposit/Total Deposit 47.23 53.41 55.61 48
Saving Deposit/Total Deposit 34.48 33.19 30.69 34.27
Current Deposit/Total Deposit 9.26 2.76 1.38 8.47
Call Deposit/Total Deposit 7.94 10.59 10.84 8.25
NPL/ Total Loan 1.41 1.35 5.71 1.5
Total LLP/Total Loan 2.09 1.67 5.78 2.13
Deprived Sector Loan/Total Loan 7.43 14.9 13.05 8.25
B. Liquidity Ratios (%)
Cash & Bank Balance/Total Deposit 8.14 6.85 11.92 8.11
Investment in Gov. Securities/Total Deposit 14.56 9.21 16.06 14.1
Total Liquid Assets/Total Deposit 23.52 22.18 37.34 23.71
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 4702 1013 263 5978
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 % 4.79
Wt.Avg Interest on Deposit-Saving % 2.93
Wt.Avg Interest on Deposit-Fixed % 7.66
Wt.Avg Interest on Deposit-Call % 1.04
Wt. Avg Interest Rate on Credit % 8.61
Index Name A Class B Class C Class OVERALL