Non Performing Loans (NPL) of Banks Climbs to 3.43 Percent

January 23, 2024 | Investopaper

As of Poush’s end of the current fiscal year 2080/81 BS, the average Non Performing Loans (NPL) of 20 commercial banks has inclined to 3.43 percent as compared to 2.80 percent in the end of Ashad, 2080 BS.

Only one bank has NPL lower than one percent. Likewise, 19 banks have non-performing loans between 1-5 percent.


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Everest Bank (EBL) has the lowest NPL among the commercial banks with 0.77 percent. NIC Asia Bank (NICA) and Standard Chartered Bank Nepal (SCB) have NPL of 1.19 percent and 1.60 percent respectively.

On the other hand, Kumari Bank (KBL) has the highest NPL of 4.89 percent. Likewise,  Himalayan Bank Limited (HBL)  and  Prabhu Bank Limited (PRVU) have 4.95 percent and 4.90 percent in Non-Performing Loans.

The table below presents the NPL of 20 commercial banks of Nepal [As of Poush’s end, 2080 BS].

Non Performing Loans (NPL) Of Commercial Banks In Nepal, FY 2080/81

Non Performing Loans, NPL(In %)

Rank Commercial Banks Poush’s End, 2080 BS Ashwin’s End 2080 BS
1 Everest Bank Limited 0.77 0.9
2 NIC Asia Bank Limited 1.19 1.37
3 Standard Chartered Bank Nepal Limited 1.6 1.1
4 Sanima Bank Limited 1.72 1.79
5 Siddhartha Bank Limited 2.56 3.44
6 Machhapuchchhre Bank Limited 2.62 2.56
7 NMB Bank Limited 2.86 2.84
8 Nepal SBI Bank Limited 2.92 2.35
9 Agricultural Development Bank Limited 3.02 5.33
10 Nabil Bank Limited 3.8 3.69
11 Rastriya Banijya Bank Limited 3.95 3.62
12 Prime Commercial Bank Limited 4.07 3.67
13 Citizens Bank International Limited 4.07 3.97
14 Nepal Bank Limited 4.5 3.84
15 Laxmi Sunrise Bank Limited 4.67 4.69
16 Global IME Bank Limited 4.68 4.38
17 Nepal Investment Mega Bank Limited 4.75 4.83
18 Prabhu Bank Limited 4.9 3.97
19 Himalayan Bank Limited 4.95 4.67
20 Kumari Bank Limited 4.97 4.89
Average NPL 3.43 3.40

Source: Unaudited Q2 Report Of Respective Banks, FY 2080/81


Non Performing Loans (NPL) Of Commercial Banks In Nepal, FY 2079/80

Non Performing Loans, NPL(%)

Rank Bank Name Ashad’s end, 2080 BS Ashad’s end 2079 BS
1 Everest Bank 0.79 0.12
2 NIC Asia Bank 0.8 0.53
3 Standard Chartered Bank Nepal 1.23 0.59
4 Sanima Bank 1.3 0.33
5 Siddhartha Bank 2.01 1.07
6 Machhapuchhre Bank 2.12 1.04
7 Nepal SBI Bank 2.43 0.15
8 Agricultural Development Bank 2.48 2.09
9 NMB Bank 2.72 1.45
10 Laxmi Sunrise Bank 2.81 0.89
11 Nepal Bank 2.85 1.83
12 Rastriya Banijya Bank 2.95 2.09
13 Global IME Bank 3.08 1.28
14 Citizens Bank Internaltional 3.19 2.22
15 Nabil Bank 3.2 1.62
16 Prabhu Bank 4.16 1.86
17 Prime Bank 4.23 1.77
18 Nepal Investment Mega Bank 4.35 1.49
19 Himalayan Bank 4.57 1.59
20 Kumari Bank 4.77 1.11
Average 2.80 1.26

Source: Unaudited Q4 Report, FY 2079/80


Non Performing Loans (NPL) Of Commercial Banks In Nepal, FY 2078/79

Non Performing Loans, NPL(%)

Rank Commercial Banks Non Performing Loans, NPL(%)
1 Nepal SBI Bank 0.15
2 Everest Bank 0.24
3 Sanima Bank 0.35
4 NIC Asia Bank 0.49
5 Standard Chartered Bank Nepal 0.59
6 Mega Bank Nepal 0.74
7 Himalayan Bank 0.77
8 Machhapuchchhre Bank 0.84
9 Laxmi Bank 0.89
10 Kumari Bank 0.96
11 Siddhartha Bank 1.03
12 Civil Bank 1.08
13 Bank Of Kathmandu 1.18
14 Prabhu Bank 1.2
15 Global IME Bank 1.22
16 NMB Bank 1.33
17 Sunrise Bank 1.4
18 Prime Commercial Bank 1.4
19 Nepal Investment Bank 1.47
20 Nabil Bank 1.54
21 Century Commercial Bank 1.59
22 Agricultural Development Bank 1.68
23 Citizens Bank 1.87
24 Nepal Bank 1.9
25 NCC Bank 1.93
26 Rastriya Banijya Bank 2
Average NPL 1.15

Source: Unaudited Q4 Report, FY 2078/79


Non Performing Loans (NPL) Of Commercial Banks In Nepal- FY 2077/78

S.N. Commercial Banks Ashad’s End, 2078 BS (%) Ashad’s End, 2077 BS (%)
1 Everest Bank 0.12 0.22
2 Sanima Bank 0.16 0.45
3 Nepal SBI Bank 0.23 0.23
4 NIC Asia Bank 0.46 0.75
5 Himalayan Bank 0.48 1.01
6 Machhapuchchhre Bank 0.62 0.52
7 Nabil Bank 0.78 0.98
8 Standard Chartered Bank 0.96 0.44
9 Civil Bank 1.05 2.38
10 Kumari Bank 1.08 1.39
11 Siddhartha Bank 1.16 1.38
12 Prime Commercial Bank 1.19 1.48
13 Laxmi Bank 1.21 1.04
14 Mega Bank 1.26 1.2
15 Sunrise Bank 1.38 1.86
16 Global IME Bank 1.42 1.76
17 Nepal Bangladesh Bank 1.55 2.89
18 Bank Of Kathmandu 1.67 2.28
19 Prabhu Bank 1.68 3.15
20 NCC Bank 1.78 2.86
21 Agricultural Development Bank 1.84 2.84
22 Century Commercial Bank 1.95 2.11
23 Nepal Bank 2.1 2.47
24 NMB Bank 2.27 2.68
25 Nepal Investment Bank 2.46 2.91
26 Citizens Bank 2.77 1.55
27 Rastriya Banijya Bank 3.07 4.05
Average NPL Of Banks 1.36 1.74

Source: Unaudited Q4 Report, FY 2077/78


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.

If you want to see the reports of the companies, Click Here.

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2 thoughts on “Non Performing Loans (NPL) of Banks Climbs to 3.43 Percent

  • November 17, 2020 at 1:07 pm
    Permalink

    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.

    Reply
  • November 13, 2021 at 5:51 pm
    Permalink

    You have done a great job by informing us the details of financial status of banks.

    Reply

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