The latest spread, interest and marginal lending rates of commercial banks
ShareSansar, June 5:
Spread rate a big deal for any banking and financial institutions. Stringently regulated net interest rate can have immense bearing on its profitability as evident from the quarterly reports published by the BFIs following the central bank’s move to cap the spread.
No wonder that the BFIs have been urging the NRB to become more flexible when it comes to the spread, and no wonder that many of the commercial banks are yet to fit within the cap (see Table 1), though they are adjusting the spread rate.
Table 1: Spread rate of commercial banks
|
S.NO. |
Bank’s Name |
Net Interest Rate |
|
1 |
ADBL |
7.85% |
|
2 |
BOK |
5.73% |
|
3 |
CBL |
4.10% |
|
4 |
CENTURY |
4.25% |
|
5 |
CZBIL |
6.03% |
|
6 |
EBL |
6.54% |
|
7 |
GBIME |
5.77% |
|
8 |
GRAND |
5.20% |
|
9 |
HBL |
6.38% |
|
10 |
JBNL |
4.63% |
|
11 |
KBL |
5.17% |
|
12 |
KIST |
6.31% |
|
13 |
LBL |
5.12% |
|
14 |
LUBL |
4.34% |
|
15 |
MBL |
5.65% |
|
16 |
MEGA |
5.66% |
|
17 |
NABIL |
7.15% |
|
18 |
NBB |
6.12% |
|
19 |
NBL |
4.56% |
|
20 |
NCC |
3.21% |
|
21 |
NIBL |
6.10% |
|
22 |
NICA |
5.36% |
|
23 |
NMB |
4.39% |
|
24 |
PCBL |
5.66% |
|
25 |
RBB |
5.95% |
|
26 |
SANIMA |
5.18% |
|
27 |
SBI |
5.75% |
|
28 |
SBL |
4.17% |
|
29 |
SCB |
7.38% |
|
30 |
SRBL |
6.81% |
Interest rate is crucial as it forms the core business of any BFI. Hence, it has tremendous implication on the financial health of BFIs. It is also useful for the shareholders as well as general clients to keep a close watch on the interest rate of the banks for all the obvious reasons. A good stock investor should have the updated list of marginal lending rate pledged by different banks. ShareSansar has done all the necessary compilation for your knowledge and convenience.
Interest rate of commercial banks:
|
S.NO.
|
Bank’s Name
|
Interest Rate |
Margin Lending Rate |
Effective Date |
|
|
Saving |
Fixed |
||||
|
1 |
ADBL |
3.00-5.00 |
4.00-6.00 |
N/A |
2070/11/01 |
|
2 |
BOK |
2.50-4.50 |
3.00-6.25 |
N/A |
2070/12/09 |
|
3 |
CBL |
4.25-6.25 |
5.00-6.00 |
12.75-14.75 |
2071/01/01 |
|
4 |
Century |
2.25-7.00 |
3.50-7.25 |
12.00-14.00 |
2071/01/20 |
|
5 |
CZBIL |
2.00-4.00 |
3.00-7.00 |
10.00-13.00 |
2070/11/28 |
|
6 |
EBL |
2.50-4.00 |
2.50-5.00 |
11.00-14.00 |
2070/09/04 |
|
7 |
GBIME |
2.50-4.50 |
3.50-6.50 |
12.00-14.00 |
2070/12/26 |
|
8 |
GRAND |
5.00-7.00 |
3.00-7.00 |
13.00-15.00 |
2071/01/01 |
|
9 |
HBL |
2.25-4.25 |
3.00-5.50 |
12.50-13.50 |
2071/01/01 |
|
10 |
JBNL |
3.00-5.00 |
3.00-7.50 |
11.00-13.00 |
2071/01/22 |
|
11 |
KBL |
3.00-4.50 |
1.50-6.50 |
11.50-13.50 |
2071/01/06 |
|
12 |
KIST |
3.00-5.00 |
1.50-6.50 |
13.00-14.00 |
2071/01/10 |
|
13 |
LBL |
2.50-4.00 |
4.50-6.00 |
11.00-14.00 |
2071/02/02 |
|
14 |
LUBL |
3.00-5.00 |
4.00-6.50 |
10.00-13.00 |
2071/02/07 |
|
15 |
MBL |
3.00-5.00 |
3.00-6.00 |
13.00-16.00 |
2070/12/21 |
|
16 |
Mega |
3.00-5.00 |
5.00-7.00 |
N/A |
2071/01/05 |
|
17 |
NABIL |
2.00-4.00 |
1.25-5.50 |
N/A |
2071/01/02 |
|
18 |
NBB |
4.00-5.50 |
4.00-5.75 |
11.00-13.00 |
2070/12/18 |
|
19 |
NBL |
2.00-3.25 |
3.00-6.00 |
10.50-11.50 |
2071/01/18 |
|
20 |
NCC |
4.00-6.00 |
3.50-7.00 |
ND |
2070/10/16 |
|
21 |
NIB |
2.50-4.00 |
2.00-5.00 |
NA |
2071/01/01 |
|
22 |
NICA |
3.00-4.50 |
2.50-7.50 |
9.50-12.00 |
2070/11/01 |
|
23 |
NMB |
2.00-4.00 |
4.00-7.25 |
12.50-15.50 |
2071/02/12 |
|
24 |
PCBL |
2.50-4.50 |
4.00-6.50 |
10.00-12.00 |
2071/01/07 |
|
25 |
RBB |
1.75-3.00 |
3.00-4.50 |
10.00 |
2071/01/01 |
|
26 |
SANIMA |
2.00-6.00 |
5.00-6.50 |
12.00-15.00 |
2071/01/01 |
|
27 |
SBI |
2.50-4.00 |
2.50-6.25 |
13.50-14.00 |
2071/02/11 |
|
28 |
SBL |
3.00-4.50 |
4.00-6.50 |
12.50-14.00 |
2070/10/09 |
|
29 |
SCB |
1.75-2.50 |
0.50-3.50 |
N/A |
2071/01/18 |
|
30 |
SRBL |
2.50-4.50 |
5.00-6.25 |
10.50-13.00 |
2071/01/30 |
