Kathmandu, Jan 15: Nepal’s banking sector has maintained overall stability in credit, deposit mobilization, liquidity, and capital adequacy, according to major financial indicators published by Nepal Rastra Bank based on mid-December 2025 data.
Data show that the overall credit-to-deposit (CD) ratio stands at 74.12 percent, reflecting a balanced credit expansion relative to deposit growth. Commercial banks under Class ‘A’ recorded a CD ratio of 73.16 percent, while Class ‘B’ and Class ‘C’ institutions stood at 84.25 percent and 76.69 percent, respectively.
The cash reserve ratio across the banking system averaged 7.97 percent, while the statutory liquidity ratio (SLR) remained comfortable at 23.13 percent, indicating adequate short-term liquidity buffers. Investment in government securities accounted for 14.34 percent of total deposits, underscoring continued reliance on safe assets.
In terms of capital strength, the overall capital adequacy ratio (CAR) was recorded at 12.82 percent, remaining above the regulatory requirement. Core capital ratio stood at 9.72 percent, reflecting a sound capital base across banks and financial institutions.
The report also highlights progress in financial access. The total number of deposit accounts reached 6.53 million, while loan accounts stood at approximately 2.13 million nationwide. Banks and financial institutions currently operate 7,887 branches, along with more than 28,700 mobile banking users and over 5,200 ATMs.
On the interest rate front, the weighted average deposit rate was recorded at 3.66 percent, while the weighted average lending rate stood at 7.26 percent, suggesting a relatively stable interest rate environment amid easing liquidity pressures. #nepal #NRB
