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See the sector-wise and product-wise loan classification of commercial banks; NIC Asia Bank as the highest lender

Tue, Dec 17, 2019 3:52 PM on Economy, Latest,
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The table below shows the total sector-wise lending of 28 commercial banks as of Kartik end, 2076. The table classifies the total loans and advances floated by banks into 15 categories, of which maximum loans has been directed to Wholesaler and retailers followed by manufacturing.

Similarly, if we look at the loan figures of each bank NIC Asia Banks still stands at a lead with Rs 161,677 millions followed by Rastriya Banijya Bank at Rs 146,773 million and Nabil Bank art 141,546 million.

BFI Name NBL RBB NABIL NIB SCB HBL SBI NBB EBL BOKL NCCB NICA MBL KBL LBL SBL ADBL GBIME CZBIL PCBL SRBL NMB PRVU JBNL MEGA CBL CCBL SANIMA Total
Agricultural and Forest Related          6,040          12,335            3,915            7,820          2,354            5,475          3,216          3,465            4,413          3,577          2,851          10,981          3,990          1,682          3,215            6,533          19,173            4,298          2,443          5,850          5,624            2,913          5,757          2,709          2,370          2,494          2,104          2,039      139,637
Fishery Related             309               722                   4                 71  -                    1               23             107                 14               72             240               312             174             141             141                 55               759                 40               58             240             208               130                 5             122               16               12               32               33          4,040
Mining Related             524  -                125               420  -   -                12             740                 20               12             578  -              108             639               69               369               195               184             671             132               28               116  -                  9               99               18             170          1,155          6,391
Manufacturing (Producing) Related        18,991          15,604          38,856          42,605        11,351          37,929        27,740          8,116          15,767        17,014        15,537          12,661        18,635        23,444        16,022          19,428            7,130          23,053        12,699        12,781          9,397          22,486        14,891        18,577        12,945        10,440        14,572        13,035      511,707
Construction        11,212          17,142            1,128            7,528        12,638            4,138          3,459          5,470          21,012          4,072          8,691          22,027          6,926          8,887        17,570            7,618            6,161          18,091          3,702        10,767        13,331          16,030        14,019          5,478          4,009          2,675          6,454          8,237      268,472
Electricity,Gas and Water          6,392            4,569            8,586          13,143               26               904          3,146          2,760            4,220          3,403          3,547            1,507          3,824          4,140          4,756            4,901            8,038            7,643          4,821          8,068          2,754            6,172          4,607          3,965          2,647          3,225          3,707          4,803      130,273
Metal Products, Mach. & Ele. Eqp.          1,649            2,348            1,025            1,053          1,102            2,146          2,803             867            1,844          1,433          1,202               405             491          2,207          2,694            1,612               436               800             188             531             904            1,635             435             235             536             433          1,217          1,130        33,362
Tras., Com. and Public Utilities          2,846            2,681            1,048            4,426             205            4,256          1,871          1,766            3,642          1,521          2,441               537          2,458          3,599          4,347            6,836            1,092            1,109          1,914          1,780             260            3,446          3,290          2,212          1,181          1,074             948          6,392        69,176
Wholesaler & Retailer        16,485          44,398          37,687          26,708        14,431          19,109        21,575          9,687          32,638        20,083        10,975          39,242        21,349          9,897        16,209          23,563          28,254          30,273        11,283          8,384        15,336          32,984        16,480        15,454        18,701          9,369        11,035        16,264      577,854
Finance, Insurance and Real Estate          6,950          14,248            7,982            7,373          2,605          11,707          5,119          4,710          10,252          8,043          3,919          13,706          8,527          5,902          5,863            8,574            1,735            6,352          3,953        10,351          5,882            8,108          9,186          6,040        13,364          5,774          6,498          4,097      206,820
Hotel or Restaurant          3,257            8,346            4,330          10,450          1,205            5,019          3,765          2,273            3,926          3,197          2,358          10,927          2,302          3,331          3,625            4,376            3,251            5,323          1,100          5,029          3,954            4,477          6,414          3,163          3,580          2,211          2,107          3,169      116,466
Other Services          2,331            3,598            3,222            9,667             579            3,933          1,453        13,722            2,355          6,260          2,889            4,071          6,053          3,337          3,540            3,603            3,157            6,158          3,925          4,884          3,920            2,864          8,555          2,792          2,911          1,765          2,297          3,081      116,923
Consumption Loans        11,531          18,234            4,246            3,159          5,323            3,401          1,282          1,486            4,345          7,513          1,748          10,598          3,109          4,308          3,056            4,031            1,057            6,223          4,711          7,363          3,783            4,243          5,633          1,628          4,597          3,505          3,365          1,966      135,443
Local Government  -                217  -                383             139               255  -   -   -   -   -   -              130                 1             137               151  -                  97  -   -   -   -   -   -   -   -   -   -           1,510
Others        10,000            2,331          29,392            5,655          2,159            4,076        18,100          4,121          10,209          2,197        10,070          34,701          8,585        10,315             920          22,721          32,807          15,333        17,622          7,534          8,552            9,192          6,958          9,425          8,178          3,756          7,268        21,516      323,691
TOTAL sectorwise      98,517      146,773      141,546      140,461      54,118      102,349      93,562      59,292      114,655      78,398      67,046      161,677      86,661      81,830      82,163      114,371      113,246      124,979      69,088      83,693      73,932      114,796      96,230      71,809      75,133      46,752      61,774      86,916 ########

Likewise, the table below shows product-wise breakdown of loans and advances floated by the commercial banks. As seen in the table, highest loan has been floated in demand and other working capital loan (24% of total loans) followed by term loan (19.84%) and overdraft (14.45%).

BFI Name NBL RBB NABIL NIB SCB HBL SBI NBB EBL BOKL NCCB NICA MBL KBL LBL SBL ADBL GBIME CZBIL PCBL SRBL NMB PRVU JBNL MEGA CBL CCBL SANIMA Total
Term Loan      17,448      19,140      24,294      43,834        4,560      17,952      15,493      10,310      21,838      14,166      14,183      27,743      15,511      21,895      19,350      28,479        3,520      18,444      16,356      17,622      11,521      29,724      31,495      16,172      13,829      10,876      19,849      18,564      524,165
Overdraft      12,134      22,383      14,731      16,110        4,241        8,897           912        7,914      22,561      22,611      16,218      35,122        7,351      15,191        5,585      22,450        6,981      26,049      10,604      17,577      12,915        7,219      11,818      14,809      11,399        7,153      12,217        8,613      381,767
Trust Receipt Loan / Import Loan        1,675        1,740      11,936      20,068        6,372      14,349        9,787        2,792        6,237        3,807        2,656           577        3,422        5,366        7,042        4,605             71        6,899        2,407        2,075        1,572        5,554        3,951        3,597        3,137        3,753        1,242        1,977      138,667
Demand & Other Working Capital Loan      13,049      49,568      45,951      39,393      10,701      35,372      36,921      10,992      17,036      12,390        9,982      29,634      12,885      18,174      17,935      22,739      88,404      31,964      11,299      10,220      12,455      19,466      14,546      10,238      18,964      10,212      12,909      15,828      639,225
Res. Per. H. Loan (Up to Rs. 15 mil.)        5,419      13,642      10,532        2,281        8,683        4,138        2,629        4,337      19,536        3,532        4,411      17,567        5,835        4,965        4,029        5,314        5,223      13,135        5,419        4,080        9,918      13,278        9,805        3,629        4,530        1,904        3,640        6,064      197,476
Real Estate Loan        4,558        8,724        5,784        3,649        4,386        3,765        4,145        2,849        3,992        3,721        1,104      16,811        4,161        1,852        3,844        7,377           213        3,784        5,499        6,261        3,408        3,696        4,160        1,126        8,101        3,385        3,710        5,646      129,710
Margin Nature Loan        4,905        2,370           795        1,215  -         1,204  -            278           156        1,051           806           599           207        2,735        1,346        2,811             23        2,011        2,603        1,742        1,601           588        1,805           512           844        1,566           985           312        35,069
Hire Purchase Loan        2,897        6,752        2,602        3,325        4,905        7,577        2,139        7,397        6,776        7,172        5,535        9,849        6,741        3,217        3,016      10,024           873        8,229        6,169        4,778        4,475        6,156        7,212        3,639        4,410        2,340        2,439        4,765      145,412
Deprived Sector Loan        9,349        7,985        7,828        6,825        2,744        5,317        5,113        3,426        7,223        3,887        2,974      14,129        4,367        4,133        4,912        7,441        6,534        5,911        3,113        3,902        3,730        5,973        4,919        3,750        5,142        2,629        2,170        4,595      150,022
Bills Purchased               3             58           137           829             75             81               0           731  -            938             24  -   -            112  -              67  -   -            115           192           779  -              33  -   -   -                4             56          4,234
Other Product      27,081      14,411      16,956        2,930        7,450        3,695      16,423        8,266        9,300        5,123        9,153        9,646      26,183        4,190      15,104        3,064        1,405        8,553        5,503      15,244      11,557      23,142        6,486      14,337        4,779        2,935        2,608      20,496      296,017
Total Product wise Loan      98,517    146,773    141,546    140,461      54,118    102,349      93,562      59,292    114,655      78,398      67,046    161,677      86,661      81,830      82,163    114,371    113,246    124,979      69,088      83,693      73,932    114,796      96,230      71,809      75,133      46,752      61,774      86,916   2,641,766
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