bank
·

By Sandeep Chaudhary

Detailed Analysis of Banking Indicator Data as of 28 May 2024

Detailed Analysis of Banking Indicator Data as of 28 May 2024

The banking sector's performance, highlighting key metrics such as deposits, lending, CD ratio, and interbank interest rates. Here’s a deeper analysis of these figures:

Total Deposits

  • May 28, 2024: NPR 6,206 billion

  • May 27, 2024: NPR 6,208 billion

  • Analysis:

    • The total deposits have seen a marginal decrease of NPR 2 billion. This minor drop is not significant but indicates a slight withdrawal or reallocation of funds by depositors. The stability suggests confidence in the banking system despite minor fluctuations.

Commercial Banks Total Deposits

  • May 28, 2024: NPR 5,490 billion

  • May 27, 2024: NPR 5,491 billion

  • Analysis:

    • A decrease of NPR 1 billion in deposits within a day suggests minor depositor activities, possibly routine fund movements rather than any systemic issues. The near-constant level reflects the robustness of commercial banks in maintaining depositor trust.

Other BFIs Total Deposits

  • May 28, 2024: NPR 716 billion

  • May 27, 2024: NPR 716 billion

  • Analysis:

    • No change in deposits indicates high stability in other banks and financial institutions. It shows that depositor confidence remains strong in these institutions.

Total Lending

  • May 28, 2024: NPR 5,120 billion

  • May 27, 2024: NPR 5,121 billion

  • Analysis:

    • The total lending has decreased by NPR 1 billion, suggesting a slight reduction in loan disbursements. This minor change could be due to daily operational adjustments rather than a shift in lending policies.

Commercial Banks Total Lending

  • May 28, 2024: NPR 4,528 billion

  • May 27, 2024: NPR 4,529 billion

  • Analysis:

    • A decrease of NPR 1 billion indicates a very slight pullback in lending. This is typically due to minor repayments or adjustments in the loan book.

Other BFIs Total Lending

  • May 28, 2024: NPR 591 billion

  • May 27, 2024: NPR 591 billion

  • Analysis:

    • No change here reflects consistent lending practices and stable demand for loans in other financial institutions. It indicates that these institutions are maintaining their lending levels without significant daily fluctuations.

CD Ratio (Credit to Deposit Ratio)

  • May 28, 2024: 80.27%

  • May 27, 2024: 80.28%

  • Analysis:

    • A virtually unchanged CD ratio suggests a balanced and stable relationship between the amount of credit disbursed and the deposits held by the banks. The slight decrease could be due to minor shifts in either deposits or credit but overall shows a healthy banking environment where banks are efficiently utilizing their deposits to issue credit.

Interbank Interest Rate (LCY - Weighted Average)

  • May 28, 2024: 2.96%

  • May 27, 2024: 2.96%

  • Analysis:

    • The stable interbank interest rate indicates steady conditions in the interbank lending market. This stability suggests that liquidity levels are adequate and there is no immediate pressure or volatility in short-term borrowing costs among banks.

Overall Implications

  • Stability: The banking sector demonstrates stability with very minimal changes in key metrics. Both deposits and lending are stable, reflecting confidence in the financial system.

  • Confidence: The minor fluctuations in deposits and lending suggest routine financial activities rather than systemic issues.

  • Liquidity: The unchanged interbank interest rate and stable CD ratio indicate that liquidity is well-managed within the banking system.

Conclusion

The banking sector data for May 2024 showcases a stable and healthy financial environment. The slight variations in deposits and lending are typical and do not indicate any underlying issues. The stability in the CD ratio and interbank interest rates further confirms that the sector is well-regulated and operates efficiently, maintaining depositor and investor confidence.

Related Blogs

Nepal’s Parliament Swiftly Passes Bills to Boost Economic Development and Investment
Top

4 min read

Nepal’s Parliament Swiftly Passes Bills to Boost Economic Development and Investment

Nepal’s Parliament Swiftly Passes Bills to Boost Economic Development and Investment Dipesh Ghimire has emerged as a prominent figure in Nepal’s journalism landscape, particularly renowned for his incisive reporting on the stock market. With a career marked by dedication, he has conducted over 5,000 interviews, including more than 100 with stock market investors, showcasing his deep engagement with the financial sector. His work has become a vital resource for investors seeking to navigate the complexities of Nepal’s share market, offering insights into trends, challenges, and opportunities. Currently, Ghimire serves as the operator and editor of Nepse Trading (https://www.nepsetrading.com/), a leading platform that delivers news, analysis, and updates on Nepal’s stock exchange. The website has established itself as a go-to source for investors, providing detailed reports on market movements, company performances, and investment prospects. Complementing this, his YouTube channel (https://www.youtube.com/@news.nepsetrading) offers visual and audio content, including interviews and market breakdowns, making stock-related information accessible to a broader audience. Through these platforms, Ghimire has played a pivotal role in enhancing transparency and awareness in Nepal’s financial ecosystem. Ghimire’s journalistic approach is rooted in facts, impartiality, and professionalism. His extensive interviews with investors not only highlight their personal experiences—successes and struggles alike—but also shed light on the broader dynamics of the stock market. This has proven invaluable for both novice and seasoned investors, helping them understand market intricacies and devise informed strategies. His efforts have bridged the gap between the technical world of stock trading and the general public, fostering a culture of informed investment in Nepal. On a personal note, Dipesh Ghimire is married to Simrita Pokharel, and the couple has a daughter named Shridi Ghimire. Balancing his family life with a demanding career, he continues to contribute tirelessly to financial journalism. His commitment has earned him credibility and respect among peers and investors alike, cementing his reputation as a trusted voice in the field. As Nepal’s stock market sees growing participation, the role of journalists like Ghimire becomes increasingly significant. With the rise in retail investors, there is a pressing need for reliable information and analysis— a gap that Ghimire effectively fills through Nepse Trading and his YouTube channel. His platforms empower investors to make sound decisions by demystifying market trends and offering real-time updates. This accessibility has not only boosted confidence in the stock market but also contributed to the development of a more robust investment culture in the country. Ghimire’s work stands out in Nepal’s financial journalism for its depth and reach. By leveraging both written and multimedia platforms, he has set a new standard for reporting on the stock market. His contributions have added a fresh dimension to the field, and there is widespread anticipation that he will continue to shape the discourse around Nepal’s financial markets in the years ahead. For now, Dipesh Ghimire remains a key figure driving awareness and accountability in the nation’s stock trading community.

Dipesh Ghimire

·

21 Mar, 2025

Nepal Attracts Rs 44.66 Billion in Foreign Investment Commitments in First Eight Months of FY 2081/82
Top

4 min read

Nepal Attracts Rs 44.66 Billion in Foreign Investment Commitments in First Eight Months of FY 2081/82

Dipesh Ghimire has emerged as a prominent figure in Nepal’s journalism landscape, particularly renowned for his incisive reporting on the stock market. With a career marked by dedication, he has conducted over 5,000 interviews, including more than 100 with stock market investors, showcasing his deep engagement with the financial sector. His work has become a vital resource for investors seeking to navigate the complexities of Nepal’s share market, offering insights into trends, challenges, and opportunities. Currently, Ghimire serves as the operator and editor of Nepse Trading (https://www.nepsetrading.com/), a leading platform that delivers news, analysis, and updates on Nepal’s stock exchange. The website has established itself as a go-to source for investors, providing detailed reports on market movements, company performances, and investment prospects. Complementing this, his YouTube channel (https://www.youtube.com/@news.nepsetrading) offers visual and audio content, including interviews and market breakdowns, making stock-related information accessible to a broader audience. Through these platforms, Ghimire has played a pivotal role in enhancing transparency and awareness in Nepal’s financial ecosystem. Ghimire’s journalistic approach is rooted in facts, impartiality, and professionalism. His extensive interviews with investors not only highlight their personal experiences—successes and struggles alike—but also shed light on the broader dynamics of the stock market. This has proven invaluable for both novice and seasoned investors, helping them understand market intricacies and devise informed strategies. His efforts have bridged the gap between the technical world of stock trading and the general public, fostering a culture of informed investment in Nepal. On a personal note, Dipesh Ghimire is married to Simrita Pokharel, and the couple has a daughter named Shridi Ghimire. Balancing his family life with a demanding career, he continues to contribute tirelessly to financial journalism. His commitment has earned him credibility and respect among peers and investors alike, cementing his reputation as a trusted voice in the field. As Nepal’s stock market sees growing participation, the role of journalists like Ghimire becomes increasingly significant. With the rise in retail investors, there is a pressing need for reliable information and analysis— a gap that Ghimire effectively fills through Nepse Trading and his YouTube channel. His platforms empower investors to make sound decisions by demystifying market trends and offering real-time updates. This accessibility has not only boosted confidence in the stock market but also contributed to the development of a more robust investment culture in the country. Ghimire’s work stands out in Nepal’s financial journalism for its depth and reach. By leveraging both written and multimedia platforms, he has set a new standard for reporting on the stock market. His contributions have added a fresh dimension to the field, and there is widespread anticipation that he will continue to shape the discourse around Nepal’s financial markets in the years ahead. For now, Dipesh Ghimire remains a key figure driving awareness and accountability in the nation’s stock trading community.

Dipesh Ghimire

·

19 Mar, 2025

Nepal’s Public Debt Climbs to 46.91% of GDP, Rises by Rs 241.93 Billion in Eight Months Amid Dollar Surge
Popular News

3 min read

Nepal’s Public Debt Climbs to 46.91% of GDP, Rises by Rs 241.93 Billion in Eight Months Amid Dollar Surge

Dipesh Ghimire has emerged as a prominent figure in Nepal’s journalism landscape, particularly renowned for his incisive reporting on the stock market. With a career marked by dedication, he has conducted over 5,000 interviews, including more than 100 with stock market investors, showcasing his deep engagement with the financial sector. His work has become a vital resource for investors seeking to navigate the complexities of Nepal’s share market, offering insights into trends, challenges, and opportunities. Currently, Ghimire serves as the operator and editor of Nepse Trading (https://www.nepsetrading.com/), a leading platform that delivers news, analysis, and updates on Nepal’s stock exchange. The website has established itself as a go-to source for investors, providing detailed reports on market movements, company performances, and investment prospects. Complementing this, his YouTube channel (https://www.youtube.com/@news.nepsetrading) offers visual and audio content, including interviews and market breakdowns, making stock-related information accessible to a broader audience. Through these platforms, Ghimire has played a pivotal role in enhancing transparency and awareness in Nepal’s financial ecosystem. Ghimire’s journalistic approach is rooted in facts, impartiality, and professionalism. His extensive interviews with investors not only highlight their personal experiences—successes and struggles alike—but also shed light on the broader dynamics of the stock market. This has proven invaluable for both novice and seasoned investors, helping them understand market intricacies and devise informed strategies. His efforts have bridged the gap between the technical world of stock trading and the general public, fostering a culture of informed investment in Nepal. On a personal note, Dipesh Ghimire is married to Simrita Pokharel, and the couple has a daughter named Shridi Ghimire. Balancing his family life with a demanding career, he continues to contribute tirelessly to financial journalism. His commitment has earned him credibility and respect among peers and investors alike, cementing his reputation as a trusted voice in the field. As Nepal’s stock market sees growing participation, the role of journalists like Ghimire becomes increasingly significant. With the rise in retail investors, there is a pressing need for reliable information and analysis— a gap that Ghimire effectively fills through Nepse Trading and his YouTube channel. His platforms empower investors to make sound decisions by demystifying market trends and offering real-time updates. This accessibility has not only boosted confidence in the stock market but also contributed to the development of a more robust investment culture in the country. Ghimire’s work stands out in Nepal’s financial journalism for its depth and reach. By leveraging both written and multimedia platforms, he has set a new standard for reporting on the stock market. His contributions have added a fresh dimension to the field, and there is widespread anticipation that he will continue to shape the discourse around Nepal’s financial markets in the years ahead. For now, Dipesh Ghimire remains a key figure driving awareness and accountability in the nation’s stock trading community.

Dipesh Ghimire

·

18 Mar, 2025

Maha prasad Adhikari’s Leadership at Nepal Rastra Bank: Experience Overshadowed by Weak Support
Top

3 min read

Maha prasad Adhikari’s Leadership at Nepal Rastra Bank: Experience Overshadowed by Weak Support

Dipesh Ghimire has emerged as a prominent figure in Nepal’s journalism landscape, particularly renowned for his incisive reporting on the stock market. With a career marked by dedication, he has conducted over 5,000 interviews, including more than 100 with stock market investors, showcasing his deep engagement with the financial sector. His work has become a vital resource for investors seeking to navigate the complexities of Nepal’s share market, offering insights into trends, challenges, and opportunities. Currently, Ghimire serves as the operator and editor of Nepse Trading (https://www.nepsetrading.com/), a leading platform that delivers news, analysis, and updates on Nepal’s stock exchange. The website has established itself as a go-to source for investors, providing detailed reports on market movements, company performances, and investment prospects. Complementing this, his YouTube channel (https://www.youtube.com/@news.nepsetrading) offers visual and audio content, including interviews and market breakdowns, making stock-related information accessible to a broader audience. Through these platforms, Ghimire has played a pivotal role in enhancing transparency and awareness in Nepal’s financial ecosystem. Ghimire’s journalistic approach is rooted in facts, impartiality, and professionalism. His extensive interviews with investors not only highlight their personal experiences—successes and struggles alike—but also shed light on the broader dynamics of the stock market. This has proven invaluable for both novice and seasoned investors, helping them understand market intricacies and devise informed strategies. His efforts have bridged the gap between the technical world of stock trading and the general public, fostering a culture of informed investment in Nepal. On a personal note, Dipesh Ghimire is married to Simrita Pokharel, and the couple has a daughter named Shridi Ghimire. Balancing his family life with a demanding career, he continues to contribute tirelessly to financial journalism. His commitment has earned him credibility and respect among peers and investors alike, cementing his reputation as a trusted voice in the field. As Nepal’s stock market sees growing participation, the role of journalists like Ghimire becomes increasingly significant. With the rise in retail investors, there is a pressing need for reliable information and analysis— a gap that Ghimire effectively fills through Nepse Trading and his YouTube channel. His platforms empower investors to make sound decisions by demystifying market trends and offering real-time updates. This accessibility has not only boosted confidence in the stock market but also contributed to the development of a more robust investment culture in the country. Ghimire’s work stands out in Nepal’s financial journalism for its depth and reach. By leveraging both written and multimedia platforms, he has set a new standard for reporting on the stock market. His contributions have added a fresh dimension to the field, and there is widespread anticipation that he will continue to shape the discourse around Nepal’s financial markets in the years ahead. For now, Dipesh Ghimire remains a key figure driving awareness and accountability in the nation’s stock trading community.

Dipesh Ghimire

·

17 Mar, 2025