0. 02 percent interest on its savings deposits. 0% higher than above mentioned rates for respective tenure. Interest Rates Effective From Baisakh 1, 2080 (14 April, 2023) Base Interest Rate is 11. Margin lending facilities is being provided to the individual customers against the securities held to meet various personal obligations. Tel: 01-4823441, 9851212470. 3. source: Nepal Rastra Bank. 100000 at a 10% interest rate, and the loan period is 1 year (12 months), the monthly EMI is Rs. Interest rate in NPA accounts may vary from the published rate. Mar 18, 2023 · On the other hand, Everest Bank's vehicle loan interest rate is 13 percent for 7 years. Nepal Exchange Rate against USD averaged 131. Foreign Currency Deposits at SBL. Simple Interest is calculated as: Simple Interest = Principal If the asset generating rental income is under loan from other financial institution, the Bank must take into consideration the residual income from such asset. 08 Total Amount Payable: Rs. Mr. 25% per annum Home Loan (Upto 7 Years) Jun 21, 2024 · Nepal Bank Limited (NBL) , the first bank of Nepal proudly holds the glory of marking the formal beginning of banking system in Nepal. 20%. Interest Rate % Reset. 5,680. 141) Mob: +977-9841726075; Email: information@nrb. Small & Micro Credit (Retail) Base Rate + Premium up to 6. Kyc Update Notice Read more. f. will be applied on overdue amount. Alternatively, please complete our contact form and we will be in touch as soon as possible. Check out the table below to compare and see the full list of banks with this FD interest rate. 00% p. 99 percent interest rate. cheapest home loan rates in Nepal. Interest rates Effective From Ashad 01, 2081 (15 June, 2024) New Interest Rate Effective From Jestha 01, 2081 (14 May, 2024) Interest Rates Effective From 1, 2081 Baisakh (12 April, 2024) Interest Rates Effective From Chaitra 1, 2080 (14 March, 2024) Interest Rates Effective From Falgun 1, 2080 (13 February, 2024) 9 NPL/ Total Loan^ 1. Furthermore, you can ensure your new vehicle from the get-go at a rate of “Base rate + 1. Interest on Fixed Deposit can be paid monthly. Term * Please select a term. 3 days ago · According to Nabil e-Auto Loan, you can get financing up to 80% at an interest rate of 9. Financing Amount: upto 70% of the Fair Market Value of the collateral security as valued by the Bank’s approved value. Interest rate up to 6% Base Rate: 10. Nepal. Monthly/Quarterly/Maturity. Feb 18, 2024 · To get a personal loan in Nepal, follow these steps: 1] Research different financial institutions and compare their interest rates, fees, and eligibility criteria. Read more. 50% up to 4. Standard Home Loan upto 10 Years Base Rate + above 2. Fax: 01 Sep 11, 2020 · pursue higher studies in Nepal as well as abroad. Additional contact info. 50%. com. Hira Bahadur Ale Mobile: +977-9851328566 Email: gunaso@adbl. and Company Act 2053. np Gold Loan: Base Rate + Up To 5% Premium: 6: Hire Purchase Loan: Base Rate + Up To 5% Premium: 7: Home Loan: Base Rate + Up To 5% Premium: 8: Industrial Loan: Base Rate + Up To 5% Premium: 9: Loan Against Fixed Deposit: Plus 2% on coupon rate(% p. Similarly, the highest interest rate provided to institutions on fixed deposits should be lesser than that provided to individuals by 1 percentage point. FDs sometimes go by the name term deposits. Loan Interest rate in Nepal The bank interest 1 Year & Below 2 Years. 00%. Minimum loan limit under MBL Margin Lending Loan is NPR 500K and maximum limit is NPR 5,000K. Interest Rates on Loan and Advances shall be adjusted as per the change in average Base Interest Rate of the bank on quarterly basis. C. 50%-RBB Rastriya For this, Nepal Bank Limited offers variety of home loan with most competitive interest rate and flexible features for construction, extension and renovation of house, purchase of house and purchase of land only. Label. The bank was established with an authorized capital of Rs. INTEREST RATE. • Bank Statement for minimum 6 months, as applicable. Personal OD: 7. 525%) and subject to change based on market conditions. 9% • Development Bond 2085 'Ja' with an interest rate of 8. 6. 200 Days HBL Special FD*. Year 2081/2082; Year 2080/2081 as a Financial Services Company and a Merchant Bank under the Nepal Finance Sep 27, 2022 · This is because banks tend to have a lower interest rate compared to other financial institutions. 10 (USD/NPR) in May 2023. 09 1. 79 15. Calculate. 4] Gather all the required documents. Fixed Interest Rate. The limit can be renewed based on the satisfactory 4 days ago · Multipurpose Finance has earned a net profit of one crore twelve lakh 49 thousand 5 hundred 63 rupees during the second quarter of the financial year 2080/81. The share held by government and private sector was 60% and 40% respectively. np 9802267823 EN | NP Notice & Announcements Base Rate + above 2. Loan Against Fixed Deposit (upto 90. np Laxmi Sunrise Bank’s Home Loans are extended to finance the Purchase of land, an independent house or apartment for residential purpose. 59 Total Interest Payable: Rs. Sep 17, 2021 · Nepal Investment Bank (NIBL) has introduced a new interest rate on its deposit and loan products. It has been established as per the Finance Company Act 2042 B. Types of interest rates in a Home Loan in Nepal 2080. The depositor then receives the amount invested plus compound interest at the end of the term. 5499. 75%. Your monthly repayment Rs. International Monetary Fund, International Financial Statistics and data files. w. You May Also Like: 4 days ago · Interest Rates - Loans. a. As of 17th of May 2023, commercial banks in Nepal are providing 9. Above 24 months to 36 months. The Interest Rates (Fixed and Floating Loan Term (years) Interest Rate (%) Calculate. March 14, 202326. SBL Premium Remit Saving Account. 29%: 10 years: Nepal Bank Nepal Bank Ltd. 51 10. Bank: Overdraft-Individual: 8. 48 24. Email Us. 70. Lending interest rate (%) - Nepal. Find out Interest and Other Rates and Emi Calculator Kamaladi, Kathmandu-01, Kathmandu Metropolitan, Bagmati Interest Rate. 90 38. Web site created using create-react-app. 49 percent. In contrast to the normal Auto Loans, Nabil bank generally provides 50% Lumbini Bikas Bank Ltd Interest Rate. Notes: -. The listed securities include: • Development Bond 2084 'Ta' with an interest rate of 8. License : CC BY-4. 42 15. D. Nepal Finance Limited (Nefinsco) is The First Finance Company of Private Sector in Nepal established in 2049 B. 79% - 13. 5 days ago · 10. 00%: Penal Interest on past due loans & expired loan: Plus 2. 59 1 Cash & Bank Balance/Total Deposit 8. . 2000 2005 2010 2015 2020. Also Show. Maniram Pokhrel (Deputy Chief Executive Officer) Prabhu Bank Limited Prabhu Building,Babarmahal Cell No: 9856027262, Phone: +977-1-5719000 Jul 16, 2023 · Loans under Consortium Financing: As per the Consortium Agreement: MBL Commercial Agriculture and Livestock Loan: 0. The interest rate is applicable from October 17, 2021 (Karthik 1, 2078 BS). 00% - 2. 84 Oct 18, 2021 · At current, there are 27 ‘A’ class (commercial) banks operating in Nepal. Effective Base Rate for the month of Shrawan , 2081 could be obtained from our website www. For example, the base rate of Everest Bank is 5. 99%. It will help in the reduction of the Nepal Bank Limited was established as FIRST bank of Nepal on Kartik 30, 1994 (November 15, 1937 A. 10 million, issued capital of Rs. Up to 100 percent of the cost of tuition fee for study within Nepal Nepal Bank Limited (NBL) , the first bank of Nepal proudly holds the glory of marking the formal beginning of banking system in Nepal. Maximum limit 5 Mio. 79% - 12. Personal Loan. In Nepal, interest rates decisions are taken by the Nepal Rastra Bank. Jul 16, 2024. Postal Code: 25460 Education loan. Equated monthly installments are used to pay off both interest and principal each month so that over a specified number of years, the loan is paid off in full. #Finance #Rates. Calculate your EMI. Moreover, you will get the loan tenure for up to 7 years. 08 7. June 4, 202325. Welcome to Central Finance Limited. nepali banks. 29%: Nepal Bank Ltd. Base Rate. Jun 1, 2018 · In the latest reports, Nepal Discount Rate: Treasury Bill: 91 Days was reported at 3. Interest Rate. Here, we have presented the interest rates offered by these banks on their various deposit and loan products. inventory_2 Deposit Products. The BAFIA authorizes the NRB to issue guidelines to all commercial banks and financial institutions on interest rates, interest ceilings, and areas of investment. 75 15. November 29, 2023. Our name was changed to Progressive Finance Limited from Merchant Finance Limited in 2067 upon the approval of company’s Annual General Meeting, Nepal Rastra Bank and Company Registrar’s office. Similar to other many home loan schemes, the loan-to-value ratio is 60% outside Kathmandu and 50% inside the valley. 5 percent interest rate Fixed Deposit. 250. If you are aged at least 21 years and are under an employment having a take away pay sufficient to cover the installments, you can approach to avail our customized mortgage loan. 3] Check your credit score and improve it if necessary. Features Financing against Ordinary Shares: 70% of average closing price of the share at the latest 120 working days or prevailing market price of the shares, whichever is lower Jul 25, 2023 · The Nepal Rastra Bank has issued various government bonds with different interest rates and maturity dates. Contact Me. An equated monthly installment (EMI) is a fixed payment amount made by a borrower to a lender at a specified date each calendar month. It is calculated by multipling Principal with rate and duration. Home. You could borrow up to Rs. 57% • Development Bond 2085 'Jhha' with an interest rate of 8% • Development Bond 2086 'Nga' with an interest rate of 6. EMI Calculator. 79% - 11. At present, the rates may vary. LCY Deposit - Fixed. Call Deposit (NPR) up to 1. 99% Up to 5 Years 5 Years to 10 Years Above 4 days ago · 15. FCY Deposit. 29 percent. Interest-Rate-Structure-as-of-MFIs-Poush-2079-mid-Jan 2023. Alternatively, please drop us an email and we will contact you soon. 76%. 00%: Home Loan for Earthquake Vctims under NRB Refinancing: As per the NRB Norms: BLB Agent Overdraft Loan: 0. Oct 12, 2018. pramod@ncbl. Penal Interest of plus 2% p. Premium rate of each borrower, deal shall be determined subject to loan type/category, tenure of each deal, internal Credit Risk Ratng Assessment etc. • Tax paid documents. 2. Above 3 years to 5 years. Nepal Investment Bank Ltd. 18. Details. Fixed Deposit. September 24, 202325. housing loan interest rate in nepal. 00 percent in March of 2020. 03%-Prabhu Bank Shrawan 2081 Interest Rate Updated. 59% per annum. It commenced operations on April 14, 1997, upon obtaining the operating license from Nepal Rastra Bank. 55 percent in its savings deposit. 133% in annual interest on fixed deposits as of 1st January 2023. Financing Tenure of up to 7 years. 16 kb. You May Also Like: Nepal Bank Interest Rate. Interest rate * Rate is required. 00 % pa in May 2024. 4791800 / 5424198. Interest Rate in Nepal averaged 6. 00 % pa in Apr 2024. 5. NIC Asia Education loan is a simplified and flexible student loan for your higher studies. 00%: FCY Demominated Loan: USD Trust Oct 17, 2021 · Nepal Bank Limited (NBL) has published a new interest rate for its deposit and loan products. 842 million. Download the Nepal Finance Mobile App and make your banking experience easier, with Mar 15, 2023 · Published Interest Rates. Official Link 4 days ago · *Interest rate on all accounts will be calculated on daily basis and paid quarterly. 8. a) or Base Rate which ever is higher: 10: Overdraft Loan: Base Rate + Up To 5% Premium: 11: Personal Apr 13, 2023 · Likewise, the fixed deposit will offer as high as an 9. 19. NMB Bank Limited licensed as “A” class financial institution by Nepal Rastra Bank in May 2008 has been operating in the Nepalese Financial market for over twenty years and is one of the leading commercial banks in the banking industry. Dilli Ram Pokhrel; Office-Tel: +977-01-5719603 (Ext. Standard Home Loan above 10 Years 11. Purposes of This Loan: Construction & Purchase of Residential Housing Loan for more than 1. 88 kb. Interest rate applicable on forced loan may very with risk premium form the published rate. NMB Sulav Auto Loan-Electric- 7 Yrs. B. Interest rate structure as of ( 2080 Asar) Mid July 2023. Floating Interest Rate. 11. 79%-Nepal Bank Nepal Bank Ltd. np Swift Code: NMBBNPKA Sep 9, 2020 · Loan Tenure: 15 Years maximum; Interest Rate: 7. 50 crore: Minimum 25% in case of construction / addition / repair / renovation of the proposed cost. However, when taking a loan, you must be careful about the floating rates. Bank Name. 05 percent interest rate. 79%: 5 years: Krishi Bikas Agriculture Dev. Collateral related Oct 12, 2018. Phone No: 01-5180182. 93% DIGITAL BANKING Experience with Reliance Finance. NIC Loan. 16th July, 2024, (1st Shrawan, 2081) New. #homeloan interest rates of nepalese banks. 12. 100000 Rate: 10% Tenure: 1 Year (12 months) Monthly Total: Rs. the amount borrowed or deposited) at a mutually agreed rate. Salient Features Minimum Balance is Rupees 10,000/- only. 00%; Everest Bank- Everest Home Loan. 48. 99% in FDs. adbl. Reliance Remittance Fixed Deposit Account. 4 days ago · Interest Rates Effective From Shrawan 01, 2081 (16 July, 2024) Interest Rates on Loan and Advances (Floating Rates) shall be adjusted as per the change in average Base Rate of previous three months. Address: Thirbam Sadhak-2, Bhatbhateni. Interest rate structure as of ( 2080 Ashoj) Mid Oct 2023. Fixed Interest Rate for Term Loan of Individual above 1 Year. Rastriya Banijya Bank (RBB) provides loans with a premium up to 5 percent above the base rate. org. 08 NMB Bhawan,Akhtiyaar Marga ; 01-5970150, +977-1-5346160 call@nmb. Find a Branch. We publically issued 120,000 shares in Nabil Bank Limited SWIFT: Find out the interest rates for different types of deposits and loans at Nabil Bank, the leading commercial bank in Nepal. Maximum tenure under MBL Margin Lending Loan shall be 1 year. Following widespread complaints that banks have been reluctant to lower their interest rates despite being in a comfortable liquidity position, Nepal Bankers Association (NBA) -- the umbrella organization of 28 commercial banks -- has decided to bring the cap on deposit rates by 0. 06% as at end of Poush, 2079. The interest rates will not change as the rate Bishnu Marga, Budhanilkantha MPC -10, Kathmandu Valley, Nepal. 0. Latest News. Oct 21, 2021 · In a three-point directive issued on Tuesday evening, NRB said that banks and financial institutions can change the previously published any interest rate by only 10 percent. Auto Loan-Fixed Rate: 7. View Nepal's Long Term Interest Rate from Jun 1981 to Apr 2024 in the chart: 2 days ago · Interest Rate Effective From 1st Shrawan 2081 (16th July, 2024) Saving Deposit (NPR) Located at the heart of Kathmandu – Pako, Newroad, we started our operations from 14th Falgun 2052 BS. An additional 4. ** Conditions applied. 84 10 Total LLP /Total Loan 2. *Rates on Call accounts are negotiable (maximum 1. • Other verifiable income. • Pension slip, interest received statement etc. An interest rate is the amount of interest due per period, as a proportion of the amount lent, deposited, or borrowed. Interest Rates on loans against NRB Refinance shall be as per the NRB guidelines. coop. 74 8. which bank has the lowest interest inn home loan. Repayment: Equal Monthly Jun 23, 2024 · Interest Rate. 2] Determine how much money you need and for what purpose. Central Finance’s latest interest rates | Explore competitive FD, loan & more options tailored for you. Dr. 86 percent. 5 million and paid up capital of Rs. Finance for: > Tuition fee > Living expenses > Travelling expenses Tenure > Maximum upto 10 years > Loan shall be terminated on /or before 60 years of age of the borrower. Personal loan: 7. Most banks charge two types of interest on home loans in Nepal: Fixed Interest Rate; This system of calculation ensures that the interest rate will not change over the loan term. Personal Loan: 7. 4 days ago · The variance on interest rate between same nature loans shall not be greater than that is prescribed by the regulator. 105499. 31%: 9. np . 59. Awareness Program Read more Interest rate on Deposit and loans effective from 16th Jun, 2024 Click to reveal 👁. The bank offers up to 4. 50. National Cooperative Bank Limited (NCBL) was established in 2003, as the only bank in the cooperative movement of Nepal at national level, in exercise of the power conferred by the sub-section 4 of 12 months to 24 months. S. * Minimum Balance of Rs. Everest Bank base rate is 9. 71 1. 7. 52 8. Small & Micro Credit (wholesale) Base Rate + Premium up to 3. Interest rate in consortium financing as decided by consortium. Upto 60% of FMV of land and building based on estimated cost of building. Minimum 25% of bank value in case of outright purchase of house/flat of the tentative Bank Value; Minimum 50% of bank value in case of Land purchase (subject to NRB stipulation) Interest rate Interest Rate Processing Fee Tenure ; Nepal Bank Nepal Bank Ltd. . Institutional Bidding rate will be as per NRB guidelines for both LCY & FCY. np Sep 18, 2021 · Commercial lending in Nepal is governed under the Bank and Financial Institutions Act (BAFIA) of 2017. 2 Years & Above. 50 percent has been fixed on the base rate for taking loans with variable interest rates over time. The central bank Nepal Investment Mega Bank: Loan against Gold/Silver: 11. 93 6. Effective From Shrawan 01, 2081 (July 16, 2024) Nepal Bank Limited (NBL) , the first bank of Nepal proudly holds the glory of marking the formal beginning of banking system in Nepal. 500 only to customers doing transactions through electronic medium. Interest Rate % Reset Interest Rates Notices of Nepal: Notices published on newspapers and websites all financial institutions, banks, finance, co-operatives, insurance companies. Nepal Bank Limited was established as FIRST bank of Nepal on Kartik 30, 1994 (November 15, 1937 A. Previously, it was 12. Interest Rates Ways to access our help desk at: + 977 1 5970306 /307 9802314440 crm@jbbl. “We have decided to reduce the premium rate on loans to 5 percent from 6 percent. 00% (as on Jestha 2081 end) Click here to see previous Interest Rate details The benchmark interest rate in Nepal was last recorded at 7 percent. Interest Rate effective from 1st Ashad 2081. 53% (For Ashadh 2081 – Average of last 3 months) Base Rate: 7. Finance Company in Nepal, Samriddhi Finance, World merchant Finance, samriddhi finance company limited. Base Rate Applicable : 7. Loan Secured by : Fixed Deposit. 29 12. Notice regarding interest rate change(2024-07-19) About Us. Loan Amount: Rs. e. They also don’t have a fixed rate for the loan and have the lowest base rate. Securities/Total Deposit 15. Locate Us. Tenure (in months) Loan EMI. 12 kb. Likewise, in the case of fixed deposits, NIBL will provide up to a 8. Interest Rates; Archived Interest Rates ; Base Rate; Apr 8, 2019 · Nabil Bank Housing Loan is another one of the home loans in Nepal. 03% - 13. Loans & Advances. Note: The interest rates are effective from October 18, 2021 [Karthik 1, 2078 B]. Up to 3 years. 24%: Shree Invest Base Rate Update Ongoing. The interest rate is applicable from September 17, 2021 (Ashwin 1, 2078 BS). 1. 75. Interest rate structure as of ( 2079 Chaitra) Mid April 2023. 4 days ago · 100 Days HBL Special FD*. Up to 70% of estimated value of land and building. com 4 days ago · Interest Rate. 25% to 3% or Base Rate + up to 1. Likewise, the fixed deposit will offer as high as a 9. Sunrise Bank's fixed vehicle loan interest rate is 13 percent. Old Interest Rate. 2. 99% which is far less compared the rate asked by finances. Fixed Deposit (Individual and Institutions) Individuals (% Per Annum) Institutions (% Per Annum) Mar 9, 2023 · Updated at : March 10, 2023 15:35. Line Bar Map. The cash rate (Policy Rate: Month End: Bank Rate) was set at 7. 500. The base rate of the bank is 11. 00% or Base Rate whichever is higher. Similarly, Nepal Bank will Feb 18, 2024 · The MCLR-based calculation is slightly lower than the base rate. 03 3 Total Liquid Assets/Total Deposit 24. 10 7. nepalbank. 19 2 Investment in Gov. The bank offers to finance up to NPR 30,000,000 for land & building purchase and up to NPR 10,000,000 for extensions and renovation work. 50 to 5. Coupon rate +1. 68 percent from 2003 until 2024, reaching an all time high of 8. Email: contact@bankbyaj. Likewise, the interest rate spread is 4. Deposit; Loan; Yearly Interest Rate. Total Interest Payable. 88% (Base rate) + from 1. The education loan is a collateral-based term loan specially designed to facilitate your higher education financial requirements in Nepal or abroad. 57 % (as on Jestha 2081 end ) Spread Rate: 4. Siddhartha Bank's Loan against Shares is a Revolving loan that is granted against the shares of companies listed in the Nepal Stock Exchange (NEPSE). 50 percent in July of 2022 and a record low of 5. 50% premium”. Spread Rate. 50% - 15. Jul 17, 2024. Shrawan 2081 Interest Rate Updated. The money placed on deposit earns a fixed rate of interest which is credited Quaterly, according to the terms and conditions that govern the account. FAQ. info@rbb. 5 percentage point. 750. Grievances Handling Officer: Mr. Dec 2, 2023 · Interest rates of Nepali banks in 2023. Nepal Finance Co. :8368, SWIFT Code: RBBANPKA Email: swift@rbb. Home loan Land Purchase loan Interest rates of Home loan in Nepal home loan interest rates. Account Scheme. Auto Loan: 7. The average base rate of the bank is 9. Interest is defined as a additional payment from borrower or deposit-taking financial institution to the lender or depositor for the principal sum (i. Nepal Bankers Association on Thursday decided to cap the interest rate on loans, a move they said would protect consumers from excessive interest rates and make taking loans more affordable. 64 1. 77% [ VIEW DETAILS] 18. त्रयमासको अन्तिम महिना (असोज, पुस, चैत्र, असार) मा पुराना ऋणीहरुको लागि सीमा बृद्धि गर्न रोक लगाइएको हो । सो महिनाहरुमा कर्जा नवीकरण गर्न तथा स्वीकृत Rastriya Banijya Bank Limited Central Office Singhadurbar Plaza, Kathmandu Phone:+977-1-572-1220, Fax:+977-1-425-2931 Email: rbb. 09 Dec 51. np Post-Box No. Himal Remit Fixed Deposit (1 Year upto 5 Years) 7. Everest Home Loan is a loan where you can get the loan by directly contacting a representative. 8791. Benchmark rate plus up to 3%: TR Loan: Benchmark rate plus up to 3%: Fixed Interest Rate Loan Projects: Interest Rate (% Per Annum) Project Finance: BR + Up to 2%: Energy Financing: BR + Up to 2% **Fixed Rate Home Loan Interest Rate (% Per Annum) Sulav Ghar Karja- Up to 10 Yrs Fixed plus Floating: 9. 00%) Coupon Rate Plus 2. Financing ratio: Up to 100 percent of the cost of education including traveling cost (for abroad) and accommodation (for abroad). gov. Base Rate Update Ongoing. With a fixed deposit, anyone can deposit a lump sum amount of money (one-time large deposit) in Central Finance for a predetermined amount of time at a predetermined rate of interest. 11 percent (as of Falgun, 2079 BS). Above 36 months. Visit the branch that is nearest to you. 25% whichever is higher. 70 2. 4. 014513232 014521696 Customer Care: 01-5970369 info@lumbinibikasbank. ) under Nepal Bank Act 1937. The bank will provide up to 4. Up to 80% financing. career; Education Loan Base Rate + Premium (2% to 4%) We all dream of owning our own home and at Standard Chartered we are committed to helping you turn that dream to reality. * Rate applicable as per tie up agreement. 24%. Interest Rate Processing Fee Tenure ; Nepal Bank Nepal Bank Ltd. Our study loan has a simple documentation process, quick disbursal, and longer repayment Laxmi Sunrise Bank extends Gold Loan to finance: Your immediate financial needs. Phone: 01-4525292. Till Then Nefinsco has been known as The most Mature finance company in Nepal providing its products among the Nefinsco Clients. The total interest on an amount lent or borrowed depends on the principal sum, the interest rate, the compounding If someone has a loan amount of Rs. How may we serve you ? Central Finance Limited (CFL), was incorporated as a public limited company, on April 14, 1996. 99 12. 19 11 Deprived Sector Loan/Total Loan $^ 6. uo ks uf wy qt hl qg sq eq gx