Key Financial Indicators of Commercial Banks of Nepal (With Ranking)
July 15, 2019 | Investopaper
The commercial banks of Nepal are in the process of publishing their fourth quarter report (Ashad end, 2076). All the banks have published their performance report until the Chaitra end, 2075 (Mid April 2019). Let’s look into the key financial indicators of commercial banks of Nepal. It is based on the unaudited report until the Chaitra end.
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Here we look into four major financial indicators of commercial banks of Nepal which are:
—Deposits
—Loans
—CCD Ratio
—Non-Performing Loans (NPL)
Total Deposits:
Until Chaitra end, commercial banks have collected the total deposits of Rs. 2,716.44 billion. NIC Asia Bank Limited leads the banking sector in terms of deposit collection with Rs. 178.10 billion. Rastriya Banijya Bank, a government-owned bank, is a close second with deposits of Rs. 175.70 billion. Nabil Bank and Nepal Investment Bank, pioneer of private banks occupy the 3rd and 4th spot with Rs. 153.68 and Rs. 143.49 billion in deposits.
See the rank of commercial banks of Nepal in terms of deposit collection in the table below:
| Rank | Commercial Banks | Total Deposit (Rs. ‘billion’) |
| 1 | NIC Asia Bank Ltd. | 178.10 |
| 2 | Rastriya Banijya Bank Ltd | 175.70 |
| 3 | Nabil Bank Ltd. | 153.68 |
| 4 | Nepal Investment Bank Ltd. | 143.49 |
| 5 | Everest Bank Ltd. | 125.07 |
| 6 | Global IME Bank Ltd. | 117.65 |
| 7 | Agriculture Dev. Bank Ltd. | 113.05 |
| 8 | Siddhartha Bank Ltd. | 112.34 |
| 9 | Himalayan Bank Ltd. | 112.27 |
| 10 | Prabhu Bank Ltd | 107.45 |
| 11 | Nepal Bank Ltd | 105.94 |
| 12 | Nepal SBI Bank Ltd | 100.08 |
| 13 | NMB Bank Ltd. | 94.37 |
| 14 | Machhapuchhre Bank Ltd | 87.57 |
| 15 | Sanima Bank Ltd. | 87.24 |
| 16 | Bank of Kathmandu Lumbini Ltd | 80.67 |
| 17 | Laxmi Bank Ltd. | 77.78 |
| 18 | Kumari Bank Ltd. | 77.29 |
| 19 | Sunrise Bank Ltd. | 75.86 |
| 20 | Prime Commercial Bank Ltd | 74.74 |
| 21 | Mega Bank Nepal Ltd. | 74.65 |
| 22 | Standard Chartered Bank Nepal Ltd. | 71.30 |
| 23 | Janata Bank Nepal Ltd. | 70.75 |
| 24 | Citizens Bank International Ltd | 68.68 |
| 25 | Nepal Credit and Commerce Bank Ltd. | 65.74 |
| 26 | Century Commercial Bank Ltd | 64.70 |
| 27 | Nepal Bangladesh Bank Ltd. | 55.97 |
| 28 | Civil Bank Ltd. | 44.02 |
| Total Deposit of Commercial Banks(Rs. ‘billion’) | 2,716.14 |
Total Loans:
The commercial banks floated the loans and advances of Rs. 2,441.30 billion until the Chaitra end. Rastriya Banijya Bank occupies the top spot with Rs. 140.43 billion in loans. NIC Asia Bank has Rs. 139.36 billion in loans and advances. Likewise, Nabil Bank occupies the third spot with loans and advances of Rs. 131.18 billion.
See the ranking of commerical banks of Nepal based on the total loans and advances in the table below:
| Rank | Commercial Banks | Total Loan (Rs. ‘billion’) |
| 1 | Rastriya Banijya Bank Ltd | 140.43 |
| 2 | NIC Asia Bank Ltd. | 139.36 |
| 3 | Nabil Bank Ltd. | 131.18 |
| 4 | Nepal Investment Bank Ltd. | 130.06 |
| 5 | Agriculture Dev. Bank Ltd. | 110.14 |
| 6 | Global IME Bank Ltd. | 108.34 |
| 7 | Everest Bank Ltd. | 107.96 |
| 8 | Siddhartha Bank Ltd. | 104.56 |
| 9 | Himalayan Bank Ltd. | 98.54 |
| 10 | Nepal Bank Ltd | 92.77 |
| 11 | NMB Bank Ltd. | 90.74 |
| 12 | Nepal SBI Bank Ltd | 90.22 |
| 13 | Prabhu Bank Ltd | 89.91 |
| 14 | Sanima Bank Ltd. | 80.66 |
| 15 | Machhapuchhre Bank Ltd | 77.51 |
| 16 | Bank of Kathmandu Lumbini Ltd | 76.23 |
| 17 | Prime Commercial Bank Ltd | 73.82 |
| 18 | Kumari Bank Ltd. | 73.14 |
| 19 | Laxmi Bank Ltd. | 72.16 |
| 20 | Sunrise Bank Ltd. | 70.15 |
| 21 | Mega Bank Nepal Ltd. | 69.99 |
| 22 | Janata Bank Nepal Ltd. | 66.45 |
| 23 | Citizens Bank International Ltd | 63.59 |
| 24 | Nepal Credit and Commerce Bank Ltd. | 60.50 |
| 25 | Century Commercial Bank Ltd | 60.40 |
| 26 | Standard Chartered Bank Nepal Ltd. | 55.66 |
| 27 | Nepal Bangladesh Bank Ltd. | 53.00 |
| 28 | Civil Bank Ltd. | 43.67 |
| Total Loans of Commercial Banks (Rs. ‘billion’) | 2,441.30 |
CCD Ratio:
CCD ratio is the measure of available loanable funds in the bank. Lower CCD ratio indicates that there is more fund available for the credit. The average CCD ratio of commercial banks is 77.73 percent. Rastriya Banijya Bank has the lowest CCD ratio with 71.38 percent. Likewise, Nepal Investment Bank occupies the second spot with 76.01 percent. Similarly, Prabhu Bank ranks third with the CCD ratio of 76.19 percent.
The table below shows the ranking of commercial banks based on the CCD ratio:
| Rank | Commercial Banks | CCD Ratio (%) |
| 1 | Rastriya Banijya Bank Ltd | 71.38 |
| 2 | Nepal Investment Bank Ltd. | 76.01 |
| 3 | Prabhu Bank Ltd | 76.19 |
| 4 | Nepal SBI Bank Ltd | 76.21 |
| 5 | Nepal Bank Ltd | 76.98 |
| 6 | Standard Chartered Bank Nepal Ltd. | 77.13 |
| 7 | NMB Bank Ltd. | 77.29 |
| 8 | Bank of Kathmandu Lumbini Ltd | 77.38 |
| 9 | Everest Bank Ltd. | 77.45 |
| 10 | Himalayan Bank Ltd. | 77.61 |
| 11 | Agriculture Dev. Bank Ltd. | 77.92 |
| 12 | Nabil Bank Ltd. | 78.09 |
| 13 | Machhapuchhre Bank Ltd | 78.54 |
| 14 | Nepal Credit and Commerce Bank Ltd. | 78.67 |
| 15 | Nepal Bangladesh Bank Ltd. | 78.71 |
| 16 | Sunrise Bank Ltd. | 78.77 |
| 17 | Civil Bank Ltd. | 78.84 |
| 18 | Kumari Bank Ltd. | 78.85 |
| 19 | NIC Asia Bank Ltd. | 79.01 |
| 20 | Global IME Bank Ltd. | 79.14 |
| 21 | Siddhartha Bank Ltd. | 79.17 |
| 22 | Prime Commercial Bank Ltd | 79.2 |
| 23 | Century Commercial Bank Ltd | 79.24 |
| 24 | Laxmi Bank Ltd. | 79.35 |
| 25 | Sanima Bank Ltd. | 79.43 |
| 26 | Mega Bank Nepal Ltd. | 79.45 |
| 27 | Citizens Bank International Ltd | 79.47 |
| 28 | Janata Bank Nepal Ltd. | 79.57 |
| Average CCD Ratio of Commercial Banks (%) | 77.73 |
Non-Performing Loans (NPL):
Non-Performing Loans (NPL) is another major indicator of performance analysis of commercial banks. Lower NPL reflects the higher quality of lending. On the other hand, higher NPL is due to poor lending quality. The average NPL of commercial banks of Nepal is 1.67 percent. Sanima Bank is number one based on the NPL with 0.12 percent. Likewise, Everest Bank has the NPL of 0.18 percent. Nepal SBI Bank is the close third with 0.19 percent NPL.
The ranking of commercial banks based on the NPL is shown in the table below:
| Rank | Commercial Banks | NPL (%) |
| 1 | Sanima Bank Ltd. | 0.12 |
| 2 | Everest Bank Ltd. | 0.18 |
| 3 | Nepal SBI Bank Ltd | 0.19 |
| 4 | Standard Chartered Bank Nepal Ltd. | 0.2 |
| 5 | NIC Asia Bank Ltd. | 0.45 |
| 6 | Machhapuchhre Bank Ltd | 0.48 |
| 7 | Nabil Bank Ltd. | 0.64 |
| 8 | Global IME Bank Ltd. | 0.76 |
| 9 | NMB Bank Ltd. | 0.79 |
| 10 | Laxmi Bank Ltd. | 1.2 |
| 11 | Janata Bank Nepal Ltd. | 1.21 |
| 12 | Himalayan Bank Ltd. | 1.31 |
| 13 | Siddhartha Bank Ltd. | 1.36 |
| 14 | Sunrise Bank Ltd. | 1.37 |
| 15 | Kumari Bank Ltd. | 1.41 |
| 16 | Mega Bank Nepal Ltd. | 1.42 |
| 17 | Century Commercial Bank Ltd | 1.53 |
| 18 | Citizens Bank International Ltd | 1.58 |
| 19 | Prime Commercial Bank Ltd | 1.58 |
| 20 | Nepal Bangladesh Bank Ltd. | 1.86 |
| 21 | Prabhu Bank Ltd | 2.42 |
| 22 | Nepal Bank Ltd | 2.71 |
| 23 | Nepal Investment Bank Ltd. | 3.04 |
| 24 | Bank of Kathmandu Lumbini Ltd | 3.19 |
| 25 | Nepal Credit and Commerce Bank Ltd. | 3.26 |
| 26 | Civil Bank Ltd. | 3.96 |
| 27 | Agriculture Dev. Bank Ltd. | 4.22 |
| 28 | Rastriya Banijya Bank Ltd | 4.28 |
| Average NPL of Commercial Banks (%) | 1.67 |
Note: This Statistics is based on regulatory requirement format, and so, the NFRS based statistic may differ
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