Banking & Financial Statistics

Transcription

1 Banking & Financial Statistics (Monthly) (Provisional) Deposit Credit Mid Apr Mid May Mid June Mid July Mid Aug Mid Sept Mid Oct Mid Nov Mid Dec Mid Jan Mid Feb Mid Mar Nepal Rastra Bank Banks & Financial Institution Regulation Department Statistics Division 2071 Fagun Mid-Mar, 2015

2 Contents Page 1. Explanatory note 1 2. Major financial indicators 2 3. Statement of Assets & Liabilities of Banks & Financial Institutions 3 4. Profit & Loss Account of Banks & Financial Institutions 7 5. Statement of Sector wise, Product wise and Security wise Credit Statement of Assets and Liabilities a. Commercial banks 15 b. Development banks 17 c. Finance companies Profit & Loss account a. Commercial banks 27 b. Development banks 28 c. Finance companies Sector- wise, product-wise and security-wise credit a. Commercial banks 36 b. Development banks 37 c. Finance companies Micro-credit development banks a. Major financial indicators 44 b. Statement of assets and liabilities 44 c. Profit & loss account 44 d. Miscellaneous Information List of bank and financial institutions with short name Districtwise Branch List 47

3 Explanatory Notes "Banking and Financial Statistics, Monthly" contains statistical information of NRB licensed Banks and Financial Institutions (BFIs). Blank spaces in the headings and sub-headings indicate the unavailability of data or nil in transactions or not submitted in prescribed format. The following months of the Gregorian Calendar year are the approximate equivalent of the months of the Nepalese Calendar Year: Nepalese Month Baisakh Jeth Asar Saun Bhadau Asoj Kattik Mangsir Pus Magh Fagun Chait Gregorian Month Mid-May Mid-June Mid-July Mid-Aug Mid-Sept Mid-Oct Mid-Nov Mid-Dec Mid-Jan Mid-Feb Mid-Mar Mid-Apr 4 Statistics of following Licensed BFIs have been used. Commercial Development Finance Micro Banks Banks Companies Credits Data available, out of total number Number of Licensed BFIs* * Samjhana Finance Ltd. ("C" class Finance Company ) is in the process of liquidation * Himalaya Finance Ltd. ("C" class Finance Company ) has discontinued sending statistics 5 All the amount in this statistics are in million of rupees. 6 Short Names of BFIs are used in notification and their full names have been provided in the last page 7 The capital Fund for the commercial bank is as of Poush, 2071 (2015 January) 1

4 A. Credit, Deposit Ratios (%) Class "A" Class "B" Class "C" Overall 1 Deposit/GDP Credit/GDP Credit/ Deposit Lcy Credit/Lcy Deposit & Core Capital Fixed Deposit/ Deposit Saving Deposit/ Deposit Current Deposit/ Deposit NPL/ Loan* LLP/ Loan Deprived SectorLoan/ Loan* B. Liquidity Ratios (%) 1 Cash & Bank Balance/ Deposit Investment in Gov. Security/ Deposit Liquid Assets/ Deposit C. Capital Adequacy Ratios (%) 1 Core Capital/RWA Capital/RWA D. Other Information Major Financial Indicators as on Fagun End, No. of Branches No. of ATM No. of Debit Card No. of Credit Card No. of Deposit Accounts No.of Loan Wt. Avg Interest on Deposit 3.79 (a) Saving 2.89 (b) Fixed 5.95 (c) Call Wt. Avg Interest on Credit 9.58 Note:Bank balance includes money at call Nominal GDP(At Producer's Price) for 2013/14 Rs million(p) Negative core capital has been excluded in calculation of Capital Adequacy Ratios * Based on Second quarter of FY 2071/72. 2

5 Statement of Assets and Liabilities of Banks & Financial Institutions (Aggregate) Liabilities Mid-July Mid-Feb Mid-Mar % Change /1 3/2 5/4 1 CAPITAL FUND a. Paid-up Capital b. Statutory Reserves c. Retained Earning d. Others Reserves BORROWINGS a. NRB b. "A"Class Licensed Institution c. Banks and Fin. Ins d. Other Financial Ins e. Bonds and Securities DEPOSITS a. Current b. Savings c. Fixed d. Call Deposits e. Others Bills Payable Other Liabilities Loan Loss Provision Interest Suspense a/c Others Reconcillation A/c Profit & Loss A/c TOTAL Assets LIQUID FUNDS a. Cash Balance Nepalese Notes & Coins Currency b. Bank Balance In Nepal Rastra Bank "A"Class Licensed Institution Other Financial Ins In banks c. Money at Call INVESTMENTS a. Govt.Securities b Others SHARE & OTHER INVESTMENT LOANS & ADVANCES a. Private Sector b. Financial Institutions c. Government Organizations BILLS PURCHASED LOANS AGT. COLLECTED BILLS FIXED ASSETS OTHER ASSETS a. Accrued Interests b. Others Expenses not Written off Non Banking Assets Reconcillation Account Profit & Loss A/c TOTAL

6 Statement of Assets and Liabilities of Commercial Banks Liabilities 1 CAPITAL FUND a. Paid-up Capital b. Statutory Reserves c. Retained Earning d. Others Reserves 2 BORROWINGS a. NRB b. "A"Class Licensed Institution c. Banks and Fin. Ins. d. Other Financial Ins. e. Bonds and Securities 3 DEPOSITS a. Current b. Savings c. Fixed d. Call Deposits e. Others 4 Bills Payable 5 Other Liabilities 1. Loan Loss Provision 2. Interest Suspense a/c 3. Others 6 Reconcillation A/c 7 Profit & Loss A/c TOTAL Assets Mid-July Mid-Feb Mid-Mar % Change /1 3/2 5/ LIQUID FUNDS a. Cash Balance Nepalese Notes & Coins Currency b. Bank Balance 1. In Nepal Rastra Bank 2. "A"Class Licensed Institution 3. Other Financial Ins. 4. In banks c. Money at Call INVESTMENTS a. Govt.Securities b Others SHARE & OTHER INVESTMENT LOANS & ADVANCES a. Private Sector b. Financial Institutions c. Government Organizations BILLS PURCHASED LOANS AGT. COLLECTED BILLS FIXED ASSETS OTHER ASSETS a. Accrued Interests b. Others Expenses not Written off Non Banking Assets Reconcillation Account Profit & Loss A/c TOTAL

7 Statement of Assets and Liabilities of Development Banks Liabilities 1 CAPITAL FUND a. Paid-up Capital b. Statutory Reserves c. Retained Earning d. Others Reserves 2 BORROWINGS a. NRB b. "A"Class Licensed Institution c. Banks and Fin. Ins. d. Other Financial Ins. e. Bonds and Securities 3 DEPOSITS a. Current b. Savings c. Fixed d. Call Deposits e. Others 4 Bills Payable 5 Other Liabilities 1. Loan Loss Provision 2. Interest Suspense a/c 3. Others 6 Reconcillation A/c 7 Profit & Loss A/c TOTAL Assets 1 LIQUID FUNDS a. Cash Balance Nepalese Notes & Coins Currency b. Bank Balance 1. In Nepal Rastra Bank 2. "A"Class Licensed Institution 3. Other Financial Ins. 4. In banks c. Money at Call 2 INVESTMENTS a. Govt.Securities b Others 3 SHARE & OTHER INVESTMENT 4 LOANS & ADVANCES a. Private Sector b. Financial Institutions c. Government Organizations 5 BILLS PURCHASED 6 LOANS AGT. COLLECTED BILLS 7 FIXED ASSETS 8 OTHER ASSETS a. Accrued Interests b. Others 9 Expenses not Written off 10 Non Banking Assets 11 Reconcillation Account 12 Profit & Loss A/c TOTAL Mid-July Mid-Feb Mid-Mar % Change /1 3/2 5/

8 Statement of Assets and Liabilities of Finance Companies Liabilities 1 CAPITAL FUND a. Paid-up Capital b. Statutory Reserves c. Retained Earning d. Others Reserves 2 BORROWINGS a. NRB b. "A"Class Licensed Institution c. Banks and Fin. Ins. d. Other Financial Ins. e. Bonds and Securities 3 DEPOSITS a. Current b. Savings c. Fixed d. Call Deposits e. Others 4 Bills Payable 5 Other Liabilities 1. Loan Loss Provision 2. Interest Suspense a/c 3. Others 6 Reconcillation A/c 7 Profit & Loss A/c TOTAL Assets 1 LIQUID FUNDS a. Cash Balance Nepalese Notes & Coins Currency b. Bank Balance 1. In Nepal Rastra Bank 2. "A"Class Licensed Institution 3. Other Financial Ins. 4. In banks c. Money at Call 2 INVESTMENTS a. Govt.Securities b Others 3 SHARE & OTHER INVESTMENT 4 LOANS & ADVANCES a. Private Sector b. Financial Institutions c. Government Organizations 5 BILLS PURCHASED 6 LOANS AGT. COLLECTED BILLS 7 FIXED ASSETS 8 OTHER ASSETS a. Accrued Interests b. Others 9 Expenses not Written off 10 Non Banking Assets 11 Reconcillation Account 12 Profit & Loss A/c TOTAL Mid-July Mid-Feb Mid-Mar % Change /1 3/2 5/

9 Profit and Loss Statement of Banks & Financial Institutions (Aggregate) Mid-July Mid-Feb Mid-Mar % Change /1 3/2 5/4* 1 Interest Expenses Deposit Liabilities Saving A/c Fixed A/c Upto 3 Months Fixed A/c to 6 Months fixed A/c Months to 1 Year Fixed A/c Above 1 Year Call Deposit Certificate of Deposits Others Commission/Fee Expense Employees Expenses Office Operatiing Expenses Exchange Fluctuation Loss Due to Change in Exchange Rates Due to Currency Transactions Non-Operatiing Expenses Provision for Risk Loan loss Provision General Loan loss Provision Special Loan Loss Provision Additional Loan Loss Provision Provision for Non-Banking Assets Provision for Loss on Investment Provision for Loss of Other Assets Loan Written Off Provision for Staff Bonus Provision for Income Tax Others Net Profit TOTAL EXPENSES Income 1. Interest Income On Loans and Advance On Investment Government Bonds Bonds NRB Bonds Deventure & Bonds Agency Balance On Call Deposit Others Comission & Discount Bills Purchase & Discount Comission Others Income From Exchange Fluctuation Due to Change in Exchange Rate Due to Currency Trans Other Operating Income Non Operating Income Provision Written Back Recovery from Written off Loan Income from Extra Ordinary Expenses Net Loss TOTAL INCOME * Cumulative figure adjusted for percentage calculation 7

10 Profit and Loss Statement of Commercial Banks 1 Interest Expenses 1.1 Deposit Liabilities Saving A/c Fixed A/c Upto 3 Months Fixed A/c to 6 Months fixed A/c Months to 1 Year Fixed A/c Above 1 Year Call Deposit Certificate of Deposits 1.2 Others 2 Commission/Fee Expense 3 Employees Expenses 4 Office Operatiing Expenses 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Currency Transactions 6 Non-Operatiing Expenses 7. Provision for Risk 7.1 Loan loss Provision General Loan loss Provision Special Loan Loss Provision Additional Loan Loss Provision 7.2. Provision for Non-Banking Assets 7.3. Provision for Loss on Investment 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus 10 Provision for Income Tax 11 Others 12 Net Profit TOTAL EXPENSES Income 1. Interest Income 1.1. On Loans and Advance 1.2. On Investment Government Bonds Bonds NRB Bonds Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 1.5 Others 2. Comission & Discount 2.1 Bills Purchase & Discount 2.2 Comission 2.3 Others 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Currency Trans. 4 Other Operating Income 5 Non Operating Income 6 Provision Written Back 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss TOTAL INCOME * Cumulative figure adjusted for percentage calcul Mid-July Mid-Feb Mid-Mar % Change /1 3/2 5/4*

11 Profit and Loss Statement of Development Banks 1 Interest Expenses 1.1 Deposit Liabilities Saving A/c Fixed A/c Upto 3 Months Fixed A/c to 6 Months fixed A/c Months to 1 Year Fixed A/c Above 1 Year Call Deposit Certificate of Deposits 1.2 Others 2 Commission/Fee Expense 3 Employees Expenses 4 Office Operatiing Expenses 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Currency Transactions 6 Non-Operatiing Expenses 7. Provision for Risk 7.1 Loan loss Provision General Loan loss Provision Special Loan Loss Provision Additional Loan Loss Provision 7.2. Provision for Non-Banking Assets 7.3. Provision for Loss on Investment 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus 10 Provision for Income Tax 11 Others 12 Net Profit TOTAL EXPENSES Income 1. Interest Income 1.1. On Loans and Advance 1.2. On Investment Government Bonds Bonds NRB Bonds Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 1.5 Others 2. Comission & Discount 2.1 Bills Purchase & Discount 2.2 Comission 2.3 Others 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Currency Trans. 4 Other Operating Income 5 Non Operating Income 6 Provision Written Back 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss TOTAL INCOME * Cumulative figure adjusted for percentage calcul Mid-July Mid-Feb Mid-Mar % Change /1 3/2 5/4*

12 Profit and Loss Statement of Finance Companies 1 Interest Expenses 1.1 Deposit Liabilities Saving A/c Fixed A/c Upto 3 Months Fixed A/c to 6 Months fixed A/c Months to 1 Year Fixed A/c Above 1 Year Call Deposit Certificate of Deposits 1.2 Others 2 Commission/Fee Expense 3 Employees Expenses 4 Office Operatiing Expenses 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Currency Transactions 6 Non-Operatiing Expenses 7. Provision for Risk 7.1 Loan loss Provision General Loan loss Provision Special Loan Loss Provision Additional Loan Loss Provision 7.2. Provision for Non-Banking Assets 7.3. Provision for Loss on Investment 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus 10 Provision for Income Tax 11 Others 12 Net Profit TOTAL EXPENSES Income 1. Interest Income 1.1. On Loans and Advance 1.2. On Investment Government Bonds Bonds NRB Bonds Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 1.5 Others 2. Comission & Discount 2.1 Bills Purchase & Discount 2.2 Comission 2.3 Others 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Currency Trans. 4 Other Operating Income 5 Non Operating Income 6 Provision Written Back 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss TOTAL INCOME * Cumulative figure adjusted for percentage calcul Mid-July Mid-Feb Mid-Mar % Change /1 3/2 5/4*

13 Statement of Loans and Advances of Banks & Financial Institutions (Aggregate) Mid-July Mid-Feb Mid-Mar % Change Sectorwise /1 3/2 5/4 Agricultural and Forest Related Fishery Related Mining Related Agriculture, Forestry & Bevarage Production Related Construction Electricity,Gas and Water Metal Products, Machinary & Electronic Equipment & Assem Transport, Communication and Public Utilities Wholesaler & Retailer Finance, Insurance and Real Estate Hotel or Restaurant Other Services Consumption Loans Local Government Others TOTAL Productwise Term Loan Overdraft Trust Receipt Loan / Import Loan Demand & Other Working Capital Loan Residential Personal Home Loan (Up to Rs. 80 Lakh) Real Estate Loan Margin Nature Loan Hire Purchase Loan Deprived Sector Loan Bills Purchased Other Product Collateral wise Gold and Silver Government Securities Non Governmental Securities Fixed Deposit Receipts Own Other Licences Institutions Collateral of Properties Fixed Assets Current Assets Against security of Bill Bills Bills Against Guarantee Government Guarantee Institutional Guarantee Personal Guarantee Collective Guarantee International Rated Bank's Guarantee Other Guarantee Credit Card Others

14 Statement of Loans and Advances of Commercial Banks Sectorwise Agricultural and Forest Related Fishery Related Mining Related Agriculture, Forestry & Bevarage Production Related Construction Electricity,Gas and Water Metal Products, Machinary & Electronic Equipment & Assem Transport, Communication and Public Utilities Wholesaler & Retailer Finance, Insurance and Real Estate Hotel or Restaurant Other Services Consumption Loans Local Government Others TOTAL Productwise Term Loan Overdraft Trust Receipt Loan / Import Loan Demand & Other Working Capital Loan Residential Personal Home Loan (Up to Rs. 80 Lakh) Real Estate Loan Margin Nature Loan Hire Purchase Loan Deprived Sector Loan Bills Purchased Other Product Collateral wise Gold and Silver Government Securities Non Governmental Securities Fixed Deposit Receipts Own Other Licences Institutions Collateral of Properties Fixed Assets Current Assets Against security of Bill Bills Bills Against Guarantee Government Guarantee Institutional Guarantee Personal Guarantee Collective Guarantee International Rated Bank's Guarantee Other Guarantee Credit Card Others Mid-July Mid-Feb Mid-Mar % Change /1 3/2 5/

15 Statement of Loans and Advances of Development Banks Sectorwise Agricultural and Forest Related Fishery Related Mining Related Agriculture, Forestry & Bevarage Production Related Construction Electricity,Gas and Water Metal Products, Machinary & Electronic Equipment & Assem Transport, Communication and Public Utilities Wholesaler & Retailer Finance, Insurance and Real Estate Hotel or Restaurant Other Services Consumption Loans Local Government Others TOTAL Productwise Term Loan Overdraft Trust Receipt Loan / Import Loan Demand & Other Working Capital Loan Residential Personal Home Loan (Up to Rs. 80 Lakh) Real Estate Loan Margin Nature Loan Hire Purchase Loan Deprived Sector Loan Bills Purchased Other Product Collateral wise Gold and Silver Government Securities Non Governmental Securities Fixed Deposit Receipts Own Other Licences Institutions Collateral of Properties Fixed Assets Current Assets Against security of Bill Bills Bills Against Guarantee Government Guarantee Institutional Guarantee Personal Guarantee Collective Guarantee International Rated Bank's Guarantee Other Guarantee Credit Card Others Mid-July Mid-Feb Mid-Mar % Change /1 3/2 5/