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There are 26 commercial banks in Nepal. We have analyzed the Non-Performing Loan (NPL) of Commercial Bank
Non-performing loan (NPL) is a bank loan subject to late repayment or is unlikely to be repaid by the borrower in full. Simply, it means those loans whose payment date is matured.
As an investor, one of the factors you have to look after before investing in banks and financial institutions is NPL. Higher is bad for the company and lower is acceptable. Nepal Rastra Bank has given standard for NPL. It would help if you looked after companies having lower NPL than the standard of NRB.
Non-Performing Loan (NPL) of Commercial Bank
| Name of the Commercial Bank | Symbol | NPL (%) |
|---|---|---|
| Everest Bank Ltd | EBL | 0.77 |
| NIC Asia Bank Ltd | NICA | 1.19 |
| Nabil Bank Ltd | NABIL | 1.20 |
| Standard Chartered Bank ltd | SCB | 1.60 |
| Sanima Bank Ltd | SANIMA | 1.72 |
| Siddhartha Bank Ltd | SBL | 2.56 |
| Machhapuchare Bank Ltd | MBL | 2.62 |
| NMB Bank Ltd | NMB | 2.86 |
| Nepal SBI Bank Ltd | SBI | 2.92 |
| Agricultural Development Bank Ltd | ADBL | 3.02 |
| Rastriya Banijya Bank Ltd | RBBL | 3.95 |
| Prime Commercial Bank Ltd | PCBL | 4.07 |
| Citizen Bank International Ltd | CZBIL | 4.07 |
| Nepal Bank Ltd | NBL | 4.50 |
| Laxmi Sunrise Bank Ltd | LSL | 4.67 |
| Global IME Bank Ltd | GBIME | 4.68 |
| Nepal Investment Mega Bank Ltd | NIMB | 4.75 |
| Prabhu Bank Ltd | PRVU | 4.90 |
| Himalayan Bank Ltd | HBL | 4.95 |
| Kumari Bank Ltd | KBL | 4.97 |
Note: these are the updated NPL as the second quarter report of 2080/81.
Frequently Asked Question
Which bank has the highest NPL?
– Kumari Bank Ltd (KBL) has the highest Non-performing loan (NPL)
Which bank has the lowest NPL?
– Everest Bank Ltd) has the lowest NPL
What is the NPL of Nabil Bank?
– The NPL of Nabil Bank is 1.20%.
What is the NPL of NIC Asia Bank?
– NPL of NIC Asia Bank is 1.19%
a. NPL of Global IME Bank?
– The NPL of Global IME Bank is 4.68%.
b. NPL of Nepal Bank Limited?
– The NPL of Nepal Bank Limited is 4.50%.