Kathmandu. Banks have been facing liquidity problems for a long time. Due to the lack of increase in bank deposits, most of the banks are still facing liquidity problems. The loan-deposit ratio (CD ratio) of banks is still around 90 percent.

According to the data published by Nepal Rastra Bank, the CD ratio of 10 banks out of 22 banks is above 87 percent. Kumari, Global IME, Nabil, Prime Commercial, Lakshmi, Krishi Vikas, Citizens, Sunrise, NMB and Himalayan Bank. Since the credit deposit ratio (CD ratio) of these banks is higher as compared to other banks, it seems that these banks are still able to give loans.

Kumari Bank, which merged with NCC, has the most. By the end of January, Kumari's CD ratio is 90.7 percent. Along with this, compared to other banks, Kumari Bank is not easy to provide loans. Similarly, 89.41 percent of Global IME, 89.36 percent of Nabil, 88.88 percent of Prime, 87.87 percent of Lakshmi, 87.5 percent of Agricultural Development, 87.47 percent of Citizens, 87.27 percent of Sunrise, 87.24 percent of NMB percent and Himalayan has 87.11 percent CD ratio.

Similarly, the remaining 12 banks have a CD ratio of less than 87 percent. Out of which Standard Chartered Bank has the lowest CD ratio. By the end of January, the CD ratio of the bank is 78.73 percent. Along with this, compared to other banks, Standard Chartered seems to be very easy to provide loans.