Kathmandu. The share of term deposit, which was 47 percent in 2078 BS, has reached 54.3 percent by mid-2078 BS. The share of savings has dropped from 54.3 percent to 31.5 percent. The share of current and savings in bank deposits seems to be declining. According to the Confederation of Banks and Financial Services (CVFIN), the sudden increase in time has put pressure on liquidity management.

Although term deposits are increasing, the share of deposits of less than two years is about 90 percent and the pressure on commercial banks to renew their deposits every year or less is affecting liquidity and interest rates, said Sivifin.

A study of the data of Nepal Rastra Bank for December 2078 shows that Rs. Similarly, Rs 432 billion has been disbursed under the heading "Others". Adding the two clearly defined non-performing loans, the total debt would be Rs 1,055 billion. That is about 23 percent of the total debt of Rs 4.6 trillion.

 A study conducted by Civifin has shown that it is natural for liquidity management to come under pressure as credit increases in such unproductive sectors.