Global IME Bank Tops in Deposit Collection, Followed by Nabil and RBB

Global IME Bank has emerged as the top commercial bank in Nepal in terms of total deposit collection. According to data published by Nepal Rastra Bank for the period ending Baisakh 2082, the bank has mobilized Rs. 540.72 billion in total deposits, securing its position at the top of the national banking industry.

Closely following Global IME are Nabil Bank, with Rs. 507.14 billion, and Rastriya Banijya Bank (RBB), with Rs. 462.50 billion in deposits. These three banks together dominate the commercial banking sector in terms of deposit volume, reflecting their deep market penetration, extensive branch networks, and robust customer base.

While Global IME leads in total deposits, Nabil Bank ranks highest in current deposits, which represent funds kept in checking accounts and are often used for daily transactions. Nabil holds Rs. 41.78 billion in current deposits, followed by RBB with Rs. 36.79 billion, and Global IME with Rs. 32.89 billion.

Current deposits are considered a key indicator of a bank’s liquidity and transactional activity. Higher current deposits reflect stronger customer engagement and active account utilization, positioning banks to respond swiftly to lending demands and short-term liquidity needs.

On the other hand, some banks remain on the lower end of the deposit spectrum. Machhapuchchhre Bank (MBL), Citizen Bank, Sanima Bank, and NSBI have total deposits ranging between Rs. 170 billion to Rs. 220 billion. Their lower figures highlight limited market outreach or conservative deposit strategies that may need revision to stay competitive.

According to banking analysts, deposit strength is a crucial signal of public trust, service accessibility, and brand reputation. In an increasingly competitive market, banks with higher deposits tend to benefit from economies of scale, investment capability, and interest spread advantages. Major banks have been expanding rapidly through digital banking, aggressive product offerings, and rural penetration.

Meanwhile, the central bank continues to push for balanced deposit-credit ratios and encourages sustainable liquidity management across the sector. Stable and diversified deposit bases help banks mitigate risks, manage credit flow, and remain resilient during economic shocks.

Overall, the data for Baisakh 2082 reflects a stark contrast between large and mid-sized banks in Nepal. While the top banks continue to strengthen their grip, smaller institutions will need strategic pivots, innovation, and focused customer engagement to rise in the ranks.