Deposit Pricing

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Deposit Types
Maturity Deposit
Fixed Deposit

Non-Maturity Deposit
Hybrid Deposit
Current  Recurring Deposit
Saving  Flexible Fixed Deposit

Call/Demand Deposit

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Deposit Pricing
Price
= Base Rate
+Solvency Spread
-Liquidity Spread
-Liquidity Premium

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    Saving Deposit Call Fixed Fixed-Corporate
SN Bank LCY Min LCY Max USD LCY USD USD Indivi-NPR (1 Yr) 3 Months 6 Months 1 Year 2 Years
1 RBB 3.00% 5.00% 1.50% 1.50% 1.75%   6.00% 5.00% 5.00% 5.00% 6.50%
2 EBL 2.50% 4.50% 0.50% 1.00%     7.25% 5.50% 6.00% 6.50% 6.50%
3 ADBL 3.00% 5.00% 0.80% 1.50%   1.00% 7.25% 6.25% 6.25% 6.50% 6.50%
4 BOKL 2.00% 3.50% 1.25% 1.00%     7.25% 4.50% 5.50% 6.50% 6.50%
5 CCBL 4.25% 5.25% 2.85%       8.25% 6.50% 6.50% 7.00% 7.00%
6 CIVIL 4.00% 6.00% 2.50%       8.50% 5.10% 5.10% 6.10% 6.25%
7 CZBL 3.00% 5.00% 1.50%     3.00% 8.00% 6.50% 6.50% 6.50% 6.50%
8 GBIME 2.50% 4.50% 2.00%       7.50% 6.50% 6.50% 6.50% 7.00%
9 HBL 2.00% 4.00% 0.75% 1.00%     6.00% 3.00% 4.00% 5.50% 5.50%
10 Kumari 2.75% 4.75% 1.75% 1.38%   2.75% 7.25% 6.50% 6.50% 6.50% 6.50%
11 Laxmi 3.00% 5.00% 3.00% 1.50%     7.75% 6.50% 6.50% 6.50% 6.50%
12 MBL 3.00% 5.00% 2.00%     3.00% 7.25% 6.50% 6.50% 6.50% 6.75%
13 Mega 3.00% 5.00% 0.50%       8.25% 6.00% 6.00% 7.00% 7.00%
14 Nabil 2.50% 4.50% 0.75%     3.30% 8.50% 6.50% 6.50% 6.50% 6.50%
15 NBB Bank 3.50% 5.00% 1.00%       7.25% 6.50% 6.50% 6.50% 8.25%
16 NBL 2.50% 4.50% 2.00% 1.25%   0.75% 7.25% 5.50% 6.00% 6.50% 6.50%
17 NCC 5.00% 5.00% 3.00%       7.25% 6.50% 6.50% 6.50% 7.00%
18 NIBL 3.00% 5.00% 0.75%       7.75% 7.00% 7.00% 7.00% 7.00%
19 NICA 1.50% 3.50% 2.60%     1.00% 7.25% 4.50% 5.00% 6.50% 6.50%
20 NMB 2.75% 4.75% 2.00% 1.38%   4.00% 7.25% 7.00% 7.00% 7.00% 7.00%
21 NSBI 3.00% 5.00% 1.00% 0.5% - 1.5% 0.50%   7.25% 6.00% 6.00% 6.50% 6.50%
22 Prabhu 2.00% 4.00% 1.50% 1.00%     7.25% 6.50% 6.50% 6.50% 6.50%
23 Prime 3.00% 5.00% 1.00%     1.00% 7.50% 7.00% 7.00% 7.00% 7.25%
24 Sanima 3.00% 5.00% 2.25% 1.50%   4.00% 7.25% 6.50% 6.50% 6.50% 6.50%
25 SBL 3.00% 5.00% 1.50% 1.50%     7.25% 6.50% 6.50% 6.50% 6.50%
26 SCB 3.00% 5.00% 0.05% 1.50%     6.75% 4.00% 5.00% 6.00% 6.00%
27 Sunrise 2.50% 4.50% 2.00% 1.25%     7.25% 6.50% 6.50% 7.00% 7.00%

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 Determinants of Deposit Pricing

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 Pricing of Loan and Advances

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Types of LOAN AND ADVANCES
On the basis of Repayment Term On the basis of Customer Status
Term Loan Vs Revolving Loan Prime Vs Standard Vs Others

On the basis of Period On the basis of Utilization

Short Term Vs Long Term Business Loan Vs Consumer Loan

On the basis of Security On the basis of Currency

Secured Vs Unsecured Local currency Vs Foreign Currency

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 Price of the loan
Interest Rate = Base Rate + Risk Premium

Premium based on the Credit Rating if any: AAA to D

(otherwise judgement will have to be used)

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Credit Rating Scale-ICRA Nepal

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