Kathmandu. There are 26 commercial banks listed in NEPSE. We have collected data from the Top 10 Commercial banks in Nepal. We comparisons of Commercial banks based on Paid-Up capital, Reserve, NPL, CD Ratio, and net profit. 

As a financial services provider, banks provide a safe place to store your cash. As such, they play a vital role in the economy by providing essential services to consumers and businesses. The economy relies heavily on banks. Bank definition goes to a financial institution authorized to accept deposits and provide credits.

Top 10 Commercial banks of Nepal 

Net Profit

According to the first quarter report of FY 2079/80, NIC Asia Bank Limited (NICA) is based on Rs. 1.75 arba.

Following are the top 10 banks on the basis of Net Profit.

1. NIC Aisa Bank Limited (NICA) : Rs.1.75 arba

2. Nabil Ban Limited (NABIL) : Rs.1.51 arba

3. Rastriya Banijya Bank Limited (RBBL) : Rs. 1.24 arba

4. Global IME Bank Limited (GBIME): Rs. 1.18 arba

5. Nepal Investment Bank Limited (NIBL): Rs. 1.14 arba

6. Kumari Bank Limited (KBL): Rs. 1.00 arba

7. NMB Bank Limited (NMB) : Rs. 0.90 arba

8. Prime Commercial Bank Limited (PCBL): Rs. 0.87 arba

9. Everest Bank Ltd (EBL): Rs. 0.86 arba

10. Standard Chartered Bank Ltd (SCB): Rs. 0.81 arba

These financial institutions lend short-term cash (deposits) to others for long-term debt (loans) such as house mortgages, car loans, business loans, etc. This process creates market liquidity that money and keeps the supply chain going.

The goal is to earn profit: Just like any other business, the goal is to profit for its stakeholders. To achieve this, banks charge higher interest rates on loans and other debt they issue to borrowers than account holders.

Top 10 Commercial banks of Nepal

Following are the top 10 Commercial Banks on the basis of different headings: 

Paid-up Capital: 

Global IME Bank Limited (GBIME) is the bank with the highest paid-up capital of Rs. 23.79 arba

Following are the 10 banks on the basis of Paid up capital:

1. Global IME Bank Limited (GBIME): Rs. 23.79 arba

2. Nabil Bank Limited (NABIL) : Rs. 22.83 arba

3. Prime Commercial Bank Limited (PCBL): Rs. 18.66 arba

4. NMB Bank Limited (NMB): Rs. 18.36 arba

5. Nepal Investment Bank Limited (NIB): Rs.18.30 arba

6. Mega Bank Limited ( MEGA): Rs.16.10 arba

7. Rastriya Banijya Bank (RBB): Rs. 14.94 arba

8. Kumari Bank Limited (KBL): Rs. 14.71 arba

9. Nepal Bank Limited (NBL): Rs.14.40 arba

10. Citizen Bank International Limited (CZBIL): Rs. 14.20 arba

We use the bank daily. But if someone asks what the bank says in Nepali, we may have a hard time. Let's find out what is called a bank in Nepali. According to the information, the bank is called Adhikosh in Nepali.

According to the Nepali dictionary, a bank is an organization or bank that is legally authorized to make cash deposits (deposits) by the general public, return the amount with interest if they ask for it, and give loans to the general public with appropriate collateral.

On the other hand, the meaning of a bank is a governmental or non-governmental institution related to commerce that collects money by paying interest, pays or gives money when requested, transactions, transactions, etc.'

Reserve and Surplus

Nabil Bank Limited (NABIL) has the highest reserve and surplus of Rs. 27.51 arba.

Following are the 10 banks on the basis of Reserve and Surplus

1. Nabil Bank Limited (NABIL): Rs. 27.51 arba

2. Nepal Bank Limited (NBL): Rs. 18.78 arba 

3. Rastriya Banijya Bank (RBB): Rs. 16.61 arba

4. Nepal Investment Bank Limited (NIB): Rs. 15.09 arba

5. Agricultural Development Bank Limited (ADBL): Rs. 12.21 arba

6. NIC Asia Bank Limited (NICA): Rs. 11.01 arba

7. Global IME Bank Limited (GBIME): Rs. 11.59 arba

8. Everest Bank Limited (EBL): Rs. 8.99 arba

9. Siddhartha Bank Limited (SBL): Rs. 8.43 arba

10. Himilayan Bank Limited (HBL): Rs. 7.71 arba

Distributable Profit

As per the first Quarter report of FY 2079/80, Everest Bank Limited (EBL)  has the highest Distributable Profit of Rs. 4.71 arba.

Following are the top 10 banks based on Distribututable Profit

1. Everest Bank Limited  (EBL): Rs. 4.71 arba

2. NIC Asia Bank Limited (NICA): Rs. 4.20 arba

3. Global IME Bank Limited (GBIME): Rs. 3.49 arba

4. Agricultural Development Bank Limited (ADBL): Rs. 3.27 arba

5. Rastriya Banijya Bank Limited (RBBL) : Rs. 3.17 arba

6. Nabil Bank Limited (NABIL) : Rs. 2.91 arba

7. Himalayan Bank Limited (HBL): Rs. 2.40  arba

8. NMB Bank Limited (NMB): Rs. 2.23 arba

9. Siddhartha Bank Limited (SBL): Rs. 2.10 arba

10. Prime Commercial Bank Limited (PCBL): Rs. 2.07 arba