Banking Khabar/ 2 kharba 76 arba 94 crore rupees of loans have been provided to the private sector from banks and financial institutions. According to the data published by Nepal Rastra Bank, in the last financial year 2080/81, banks and financial institutions provided loans equal to this amount. Which is only 5.8 percent more than the previous year 2079/80.Among the loans to the private sector, commercial banks have increased by 5.8 percent, development banks have increased by 5.0 percent and finance companies have increased by 7.7 percent. At the end of Ashadh 2081, 66.5 percent of the loans invested by banks and financial institutions were mortgaged to real estate and 13.2 percent were mortgaged to current assets (agricultural and non-agricultural goods). At the end of Ashadh 2080, the ratio of loans disbursed to such securities was 68.0 percent and 11.6 percent, respectively.
In the year under review, among the loans to the private sector from banks and financial institutions, the share of loans to the non-financial institutional sector was 63.3 percent, and the share of loans to individuals and households was 36.7 percent. In the same period of the previous year, this share was 62.7 percent and 37.3 percent, respectively.
In the financial year 2080/81, loans from banks and financial institutions to the agricultural sector increased by 0.9 percent, loans to the industrial production sector increased by 8.8 percent, loans to the transport, communication and public services sector increased by 16.7 percent, loans to the wholesale and retail trade sector increased by 1.5 percent and loans to the service industry sector increased by 6.2 percent.
In the year under review, periodic loans from banks and financial institutions increased by 22.2 percent, real estate loans (including personal residential house loans) by 9.6 percent, margin loans by 18.1 percent, and trust receipt (import) loans by 12.6 percent whereas higher purchase loans decreased by 22.0 percent, overdraft loans by 46.3 percent and demand and working capital loans by 17.6 percent.
