KATHMANDU: The government-owned Rastriya Banijya Bank (RBB) has recorded an inactive loan ratio of 4.45 percent and earned a profit of Rs 1.75 billion in the first six months of the current fiscal year (2082/83 BS/ 2025-26) , according to the bank’s preliminary data.

The information was shared at a programme organized today to mark the bank’s 61st anniversary.

Speaking at the event, Chairperson of the Bank’s Board of Directors, Dev Kumar Dhakal, said the RBB has prioritized loan disbursement to the productive sector.

“Positive indicators are now visible in the capital market, construction, services, loan expansion, and the development sector. This has instilled hope in the national economy,” he said.

Bank Chief Executive Officer Devendra Raman Khanal said RBB’s fiscal services are driven by innovation and determination.

Acknowledging the challenges faced by the government in increasing loan disbursement, he said preparations are underway to issue debentures worth Rs 300 billion to strengthen the bank’s capital base.

According to information shared at the programme, RBB currently provides deposit services to more than 4,743,000 million customers, while over 226,000 clients are receiving loan services.

Although the bank has investable funds of Rs 171 billion based on the credit–deposit ratio and Rs 139 billion based on liquidity, it is in a position to disburse only an additional Rs 18 billion in loans due to capital adequacy constraints.

The bank’s paid-up capital stands at Rs 15.63 billion. During the first half of the current fiscal year, it collected deposits totaling Rs 553 billion and disbursed loans worth Rs 99 billion.