Extensive Loan Portfolio Review of 10 Major Commercial Banks Completed Under ECF Structural Benchmark
Tue, May 19, 2026 9:25 AM on Latest,
According to a notice issued by Nepal Rastra Bank, it was stated that, under the bank’s Fourth Strategic Plan (2022–2026) and in line with the Structural Benchmark set under the Extended Credit Facility (ECF) supported by the International Monetary Fund (IMF), an Extensive Assets Quality Review (Loan Portfolio Review) of commercial banks had been conducted by an independent party in accordance with the approved annual work plan of the Bank Supervision Department for fiscal year 2082/83.
It was stated that an agreement had been signed on August 28, 2025, between the central bank and Howladar Yunus & Co., Chartered Accountants., a chartered accountancy firm based in Bangladesh, to carry out the review of the loan portfolios of 10 major commercial banks. Separate and consolidated reports were subsequently received from the consultant, and decisions had been taken to implement the recommendations mentioned in the reports.
The following commercial banks were included in the review process:
Nepal Investment Mega Bank Limited
Based on the findings submitted by the consultant, it was reported that, based on the financial statements up to mid-April 2025 (end of Chaitra 2081), the average non-performing loan ratio of the selected 10 large commercial banks had remained at 7.6 percent, while the average capital adequacy ratio had stood at 11.30 percent.
Based on the interim audit reports of the 10 commercial banks for the third quarter of the current fiscal year, the average NPL stood at 6.50 percent, showing an average deviation of 1.1 percentage points.
The central bank further stated that policy reform recommendations highlighted in the reports would gradually be implemented. Necessary measures were also said to be advanced to further strengthen banks and financial institutions, minimize identified risks, and maintain financial stability in the banking sector.
