वाणिज्य बैंकहरूले बैशाख मसान्तसम्ममा ४४ खर्ब रुपैयाँभन्दा बढी ऋण लगानी गरेका छन्Commercial Banks Disburse Over Rs. 4.40 Trillion in Loans and Advances by Baisakh End 2082
हालै सार्वजनिक गरिएको तथ्यांक अनुसार, नेपालका वाणिज्य बैंकहरूले ऋण तथा अग्रिम लगानीको ठूलो हिस्सा निजी क्षेत्रमा केन्द्रित गरिरहेका छन्। कुल ऋण लगानीको हिसाबले हेर्दा अधिकांश बैंकहरूले निजी व्यवसाय र व्यक्तिगत ऋणीहरूमा अति नै भरोसा राख्दै लगानी विस्तार गरेका छन् भने वित्तीय संस्था र सरकारी संस्थातर्फको लगानी निकै न्यून देखिएको छ।
सबैभन्दा धेरै ऋण लगानी गरेको बैंकका रूपमा ग्लोबल आईएमई बैंक देखिएको छ, जसले रु ४,४०,८०८.७६ मिलियन बराबरको ऋण लगानी गरेको छ। यसमध्ये रु ४,२१,३७९.३३ मिलियन निजी क्षेत्रमै लगानी गरिएको हो। त्यसपछि नबिल बैंकले रु ४,२१,८७९.५४ मिलियन ऋण लगानी गरेको छ, जसको रु ४,०६,६९८.७० मिलियन पनि निजी क्षेत्रमै केन्द्रित छ। एनएमबि बैंकले रु २,३६,८५८.९३ मिलियन ऋण लगानी गरेको छ, जसमा रु २,२७,३३५.९३ मिलियन निजी क्षेत्रतर्फ गएका छन्।
त्यस्तै, राष्ट्रिय वाणिज्य बैंक (आरबिबी) ले कुल रु २,९५,३०३.९१ मिलियन ऋण लगानी गरेकोमा रु २,८१,९१२.६४ मिलियन निजी क्षेत्रमा छ। हिमालयन बैंक, कुमारी बैंक, लक्ष्मी बैंक लगायतका अन्य प्रमुख बैंकहरूले पनि ९०% भन्दा बढी ऋण निजी क्षेत्रमै लगानी गरेका छन्।
वित्तीय संस्थातर्फको ऋण लगानी भने तुलनात्मक रूपमा कम देखिएको छ। यसमा पनि ग्लोबल आईएमई बैंक सबैभन्दा अगाडि देखिन्छ, जसले रु १८,६२५.५३ मिलियन वित्तीय संस्थाहरूमा लगानी गरेको छ। नबिल, एनएमबि र प्राइम बैंकहरूले पनि रु ९,००० मिलियन भन्दा माथिको लगानी गरेका छन्।
सरकारी संस्थातर्फको ऋण लगानी भने अत्यन्तै न्यून छ। नेपाल इन्भेष्टमेन्ट मेगा बैंकले मात्र रु १,७०४.५६ मिलियन, ग्लोबल आईएमईले रु ८०३.८९ मिलियन र एनएमबि बैंकले रु १२४.५५ मिलियन ऋण दिएका छन्। अन्य धेरैजसो बैंकहरूले सरकारी संस्थातर्फ कुनै पनि ऋण नदिएको वा उल्लेख नगरेको देखिन्छ।
निष्कर्षस्वरूप, नेपालका वाणिज्य बैंकहरूले अझै पनि निजी क्षेत्रलाई सबल आर्थिक इञ्जिनको रूपमा हेरेर प्रमुख ऋण लगानी यहीं केन्द्रित गरिरहेका छन्। यसले निजी क्षेत्रप्रतिको विश्वास झल्काउँछ भने सरकारी तथा वित्तीय संस्थातर्फको लगानी अझै पनि सीमित रहेको स्पष्ट हुन्छ।
In the latest disclosure of lending distribution by Nepal’s commercial banks, private sector dominance continues to define the credit landscape. According to the recent data, most of the commercial banks have concentrated a significant portion of their loan portfolios in the private sector, with only minimal allocation towards financial institutions and government organizations.
Global IME Bank has emerged as the leading lender with a total loan and advance portfolio of Rs. 4,40,808.76 million. A major share—Rs. 4,21,379.33 million—was lent to the private sector alone. Following closely, NABIL Bank has reported Rs. 4,21,879.54 million in total loans, of which Rs. 4,06,698.70 million was directed toward the private sector. Similarly, NMB Bank extended Rs. 2,36,858.93 million in total loans, with Rs. 2,27,335.93 million allotted to private enterprises and individuals.
The pattern is consistent across the banking sector. For instance, Rastriya Banijya Bank (RBB) recorded a total lending of Rs. 2,95,303.91 million, out of which Rs. 2,81,912.64 million was for the private sector. Other major players like Himalayan Bank (Rs. 2,53,364.95 million total, Rs. 2,42,887.65 million private sector) and Kumari Bank (Rs. 2,93,835.23 million total, Rs. 2,82,164.84 million private sector) also displayed similar trends.
Loans to financial institutions were relatively modest but notable in some banks. Global IME Bank again led in this category with Rs. 18,625.53 million in inter-financial institution lending. NABIL, NMB, and Prime Bank followed with Rs. 15,180.84 million, Rs. 9,523.00 million, and Rs. 9,867.32 million, respectively. These funds typically support liquidity management, secondary market operations, and interbank transactions.
Government organization lending remained the least prioritized. Only a handful of banks such as Nepal Investment Mega Bank (NIMB), Global IME, and NMB reported notable figures under this head. NIMB lent Rs. 1,704.56 million to government entities—the highest among peers—while Global IME and NMB provided Rs. 803.89 million and Rs. 124.55 million, respectively. Most banks either reported zero lending or skipped this category altogether, reflecting a generally low engagement level with public-sector credit demand.
In summary, Nepal’s commercial banks continue to drive their loan expansion strategies through private sector lending, underlining the sector’s perceived profitability and growth potential. Financial institution lending remains secondary, while government organization financing is minimal across the board. This distribution also highlights the risk appetite and market trust banks place in the private sector as the engine of economic activity.
