Non Performing Loans (NPL) of Banks Rises to 4.86 Percent
November 10, 2025 | Investopaper
As of Ashwin’s end of the current fiscal year 2082/83 BS, the average Non Performing Loans (NPL) of 20 commercial banks has inclined to 4.86 percent as compared to 4.04 percent in the end of Ashwin, 2081 BS.
Only one bank has NPL lower than one percent. Likewise, 19 banks have non-performing loans between 1-8 percent.
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Everest Bank (EBL) has the lowest NPL among the commercial banks with 0.74 percent. Standard Chartered Bank Nepal Limited (SCB) and Nepal SBI Bank (SBI) have NPL of 1.71 percent and 3.01 percent respectively.
On the other hand, Himalayan Bank Limited (HBL) and NIC Asia Bank Limited (NICA) have the highest NPL of 7.39 percent and 6.99 percent. Likewise, Kumari Bank Limited(KBL) has 6.98 percent in Non-Performing Loans.
The table below presents the NPL of 20 commercial banks of Nepal [As of Ashwin’s end, 2082 BS].
Non Performing Loans (NPL) Of Commercial Banks In Nepal, FY 2082/83
Non Performing Loans, NPL(In %)
| Rank | Commercial Banks | Ashwin’s end, 2082 BS | Ashwin’s end, 2081 BS |
| 1 | Everest Bank Limited | 0.74 | 0.77 |
| 2 | Standard Chartered Bank Nepal Limited | 1.71 | 1.95 |
| 3 | Nepal SBI Bank Limited | 3.01 | 1.84 |
| 4 | Siddhartha Bank Limited | 3.8 | 3.91 |
| 5 | Rastriya Banijya Bank Limited | 3.83 | 4.23 |
| 6 | Sanima Bank Limited | 3.91 | 2.94 |
| 7 | Machhapuchchhre Bank Limited | 4.13 | 3.15 |
| 8 | Nabil Bank Limited | 4.31 | 4.24 |
| 9 | NMB Bank Limited | 4.58 | 3.63 |
| 10 | Agricultural Development Bank Limited | 4.78 | 4.78 |
| 11 | Global IME Bank Limited | 4.98 | 4.67 |
| 12 | Laxmi Sunrise Bank Limited | 5.42 | 5.44 |
| 13 | Nepal Bank Limited | 5.49 | 3.95 |
| 14 | Prabhu Bank Limited | 5.78 | 4.94 |
| 15 | Prime Commercial Bank Limited | 5.86 | 4.86 |
| 16 | Nepal Investment Mega Bank Limited | 6.63 | 5.82 |
| 17 | Citizens Bank International Limited | 6.84 | 5.41 |
| 18 | Kumari Bank Limited | 6.98 | 4.96 |
| 19 | NIC Asia Bank Limited | 6.99 | 4.24 |
| 20 | Himalayan Bank Limited | 7.39 | 4.98 |
| Average NPL | 4.86 | 4.04 |
Source: Unaudited Q1 Report Of Respective Banks, FY 2082/83
Note: The Non-Performing Loans (NPL) of commercial banks is taken from the unaudited quarterly report (of respective banks) of the given fiscal year. Investors are advised to view other indicators along with this while making any investment decisions.
The figures reported by banks are not trustworthy. The real NPL, i.e. overdue 90+, is already at least 10% of the gross LP as of mid-July 2020. Moreover, even a greater share is masked in evergreening overdrafts – the bomb that will explode one day.
You have done a great job by informing us the details of financial status of banks.