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By Sandeep Chaudhary

Other Liabilities of Banks Rise 11.5% to Rs 1.84 Trillion as Reserves and Debentures Expand Sharply

Other Liabilities of Banks Rise 11.5% to Rs 1.84 Trillion as Reserves and Debentures Expand Sharply

According to the Nepal Rastra Bank (NRB) Mid-September 2025 “Other Depository Corporation Survey (y-o-y)”, other liabilities of the banking sector surged by 11.5% year-on-year, reaching Rs 1.84 trillion, up from Rs 1.65 trillion in the corresponding period of 2024. This sharp rise—an increase of Rs 189.7 billion—reflects strong growth in general reserves, debenture issuance, and miscellaneous financial obligations within the banking system.

The general reserves of banks jumped by 18.2%, reaching Rs 690.98 billion, compared to Rs 584.34 billion a year earlier. This significant expansion indicates improved profitability, higher retained earnings, and strengthened capital buffers across the banking sector. Similarly, debentures increased by 9.8% to Rs 194.5 billion, suggesting that banks are increasingly relying on long-term instruments to diversify funding sources and enhance financial stability amid evolving liquidity conditions.

In addition, other liabilities—which include payables, provisions, and accrued expenses—rose by 12.9%, signaling an increase in operational obligations as well as growth in contingent liabilities due to expanding credit operations. Paid-up capital also inched up by 1.9%, showing gradual capital strengthening across institutions.

Overall, the growth in “other liabilities” reflects a healthier, more diversified balance sheet structure among Nepali banks, aligning with the NRB’s regulatory emphasis on stronger reserves, long-term funding, and prudent liquidity management. This upward trajectory highlights banks’ readiness to absorb potential shocks while maintaining credit expansion momentum.

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