निक्षेप ३ प्रतिशत बढ्दा कर्जा प्रवाह आधा मात्र, आर्थिक सुस्तीले बैंकिङ क्षेत्र झनै दबावमाDeposits Rise Twice as Fast as Loans in First Quarter, Reflecting Deepening Economic Slowdown
निक्षेप ३ प्रतिशत बढ्दा कर्जा प्रवाह आधा मात्र, आर्थिक सुस्तीले बैंकिङ क्षेत्र झनै दबावमा नेपाल राष्ट्र बैंकले सार्वजनिक गरेको चालु आर्थिक वर्षको पहिलो तीन महिनाको तथ्यांकले बैंकिङ क्षेत्रको वास्तविक अवस्था झनै स्पष्ट पारेको छ। समीक्षा अवधिमा बैंक तथा वित्तीय संस्थाहरूको निक्षेप ३.० प्रतिशतले बढेको देखिन्छ, तर निजी क्षेत्रमा प्रवाहित कर्जा भने १.५ प्रतिशत वृद्धिमा सीमित छ। निक्षेप वृद्धि कर्जाको तुलनामा करिब आधा मात्र रहेको यस परिदृश्यले आर्थिक क्रियाकलापमा आएको सुस्तीलाई झनै प्रष्ट बनाएको छ। वार्षिक विन्दुगत आधारमा हेर्दा २०८२ असोज मसान्तमा बैंक तथा वित्तीय संस्थाहरूमा रहेको कुल निक्षेप १३ प्रतिशतले वृद्धि भएको छ। तर निजी क्षेत्रमा प्रवाहित कर्जा वृद्धि ७.३ प्रतिशत मात्र छ। निक्षेप र कर्जा विस्तारबीचको यो बढ्दो अन्तर बैंकिङ प्रणालीमा बढ्दो तरलता दबाब र कमजोर कर्जा मागको संकेत हो।Deposits Rise Twice as Fast as Loans in First Quarter, Reflecting Deepening Economic Slowdown Nepal Rastra Bank’s latest three-month data for the current fiscal year paints a clear picture of a slowing economy. While deposits at banks and financial institutions (BFIs) grew by 3.0 percent during the review period, loan expansion stood at only 1.5 percent—exactly half the pace of deposit growth. This widening gap between liquidity accumulation and credit flow highlights the deepening economic lethargy affecting businesses, households and investment activities across the country. On a year-on-year basis, deposits at BFIs grew by 13 percent by the end of Ashoj 2082. However, credit to the private sector rose by only 7.3 percent, underscoring a persistent demand-side constraint. Analysts say the divergence between deposit mobilisation and credit expansion reflects weak confidence in the economy, subdued investment appetite and uncertainty surrounding long-term economic policy. During the review period, deposits increased by NPR 218.72 billion, taking the total to NPR 7.482 trillion. Despite this significant liquidity build-up, private-sector credit grew by only NPR 82.93 billion, reaching NPR 5.580 trillion. By comparison, during the same period last year, private-sector credit had grown by 2.5 percent (NPR 128.65 billion)—indicating that credit demand has weakened further this year.
