Kathmandu. As of mid-July of the last fiscal year 2082÷83, the NPL of Nepal’s finance companies has reached an average of 7.66 percent. According to the data released by the Nepal Rastra Bank, the bad loans of finance companies are significantly high.

Janaki Finance Company has the highest number of bad loans till the end of July. According to the data of the Rastra Bank, the bad loans of the company have reached 61.55 percent.

Similarly, ICFC Finance has the lowest bad loan. The company’s bad loans are 1.55 percent.

During this period, the base rate of finance companies averaged 6.49 percent. Similarly, the loan-deposit ratio (CD ratio) of finance companies is 75.21 percent.

According to the data of the Rastra Bank, the average paid-up capital of the finance companies stood at Rs 1.41 billion as of mid-July. The primary capital stood at Rs 13.60 billion and the total capital fund stood at Rs 117.24 billion.

Similarly, the total risk weighted exposure (CCAR) is 11.60 per cent and the core capital adequacy ratio (CAR) is 14.36 per cent. These indicators on capital adequacy reflect the financial capacity of finance companies and the state of investable resources.