In the financial year 2077/78, Civil Bank's investments in loans and credits have seen remarkable growth. 

Since the end of last Chaitra Civil Bank's deposit has increased by 61.96% and loan flow has increased by 54.67%.

By the end of the review period, the bank has made  Rs 87.89 billion in deposit collection and invested Rs 81.44 billion in loan circulation. 

Last year within the same period the bank has collected Rs 54.26 billion in deposits and circulated Rs 52.65 on loans. 

In the current financial year, Civil Bank has increased the amount in deposits by Rs 27.76 which compared to the deposits until the end of Ashadh is 46% more.

Compared to other commercial banks in deposits increase rate, Civil Bank scores the 7th place and in the 1st position by percentage. 

Similarly, the bank increased its loan distribution by Rs 27.62 billion, which compared with the amount till the end of Ashadh is higher by 51%.

Civil Bank's increase in loans compared with other commercial banks puts it in 10th position and on the 1st position in increase percentage. 

By the end of the third quarter, the number of bank's customers reached 5,41,982, which is 24.76 % higher than the last year.

Last year by this period number of bank's customer was 4,42,442.

In the third quarter so far Civil Bank has made some comprehensive improvements in the bad loan ratio. 

According to the bank's financial description of the third quarter in the review period bank has been able to cut out the bad loan ratio by 61.81%.

In the same period, last year bank's bad loan ratio was 2.96 % which has been reduced to 1.13 %. 

Until the review period bank has made a profit of Rs 50,25,000,00, which is 39.39 % higher than last year. 

One of the most essential aspects of today's busy life is owning a vehicle. Urban living without cars is difficult to imagine. It may be hard for most of us to have our own car, but it is not impossible. Civil Bank Ltd. has launched AUTO LOAN SCHEME for all required individuals to turn this difficulty into a possibility.

 


 

Now it's easy to own a new car or a pre-owned car which you have always dreamt of. Civil Bank offers Auto Loan that would change your dreams to reality.

Civil Bank Auto Loan is an exclusive financing option to "move in style" by a vehicle of your own choice. It aims to support you as a valued customer to purchase any type of four-wheeler with a convenient Equated Monthly Installment (EMI) payment option.

Private Vehicle Financing

Like other products, this is an easy financing scheme for the purchase of a new vehicle as well as a second-hand vehicle not older than 5 years from the date of manufacture of the vehicle. The financing scheme launched by the Civil Bank is very easy and faster.

Civil Bank Auto Loan assists an individual in fulfilling their desire to own a dream vehicle by financing up to maximum of 50% of the vehicle.

• Maximum Loan Tenure of 10 years.
• Maximum Loan Amount of NPR 20,000,000 per vehicle.
• Interest Rate - Competitive rate and charges (Up to 3%). 
   

 

Used Vehicles
Financing up to 50% available for Used Vehicles (Private Vehicle) up to 5 years. However, the age of used vehicles should not be more than 10 years old from the date of manufacture at the time of loan maturity. 

Business/Commercial Vehicle Financing

• Financing up to 80% of the Business/Commercial Vehicle.
• Maximum Loan Tenure of 7 years for Business Vehicles and 5 Years for Black plated commercial Vehicles.
• Interest Rate - Competitive rate and charges (Up to 5%).

Used Vehicles

Financing up to 70% available for Business Used Vehicles up to 4 years and financing up to 50% available for Used Commercial Vehicles. However, the age of used vehicles should not be more than 7 years old from the date of manufacture at the time of loan maturity. 

 

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Moving forward with the slogan of “Civil Bank for Prosperity”, Civil Bank has started a new extension counter in its branch of Sundaharaicha Municipality; ward no 9, Morang district. The new extension counter was inaugurated by Biratnagar’s Internal Revenue Department Head Mr. Bimal Sapkota. 

Chamber of Commerce, Biratchowk Chairman Krishna Rijal, Taxpayer Service Office, Biratchowk Chief Netra Ghimire, Civil Bank Deposit and Transaction Banking Department head Bhola Bahadur Bista, Civil Bank State 1 Chief Rajesh Dhakal, and various political figures, industrialists, businessmen, and other distinguished personalities and general public were present in the inauguration ceremony. 

Now the clients from that area will be able to conveniently make tax payments to Nepal Government’s Ministry of Finance Internal Revenue Department from the said extension counter. 

Providing services to 5 lakhs customers from 114 branches, Civil Bank now has a total of 7 extension counters in operation 4 of which are there to collect Nepal government’s taxes and revenues. Also, 89 ATMs are in operation under the bank. Till now the bank has more than Rs 81 Billion operational deposits and has loaned out more than Rs. 74 Billion.

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Civil Bank that operates with the slogan “Civil Bank for Prosperity” celebrated a week-long ‘Global Money Week’ with various financial awareness programs from March 22 to 28.

The bank observed the 7 days of Global Money Week by organizing business-themed awareness events and workshops in 7 regions of Nepal chronologically.

The bank organized financial awareness programs in Orchid College, Biratnagar of region 1,  Janakpur of region 2, Dhulikhel and Banepa of Bagmati region, amongst the boaters of Begnas lake area of Gandaki region, Butwal, Manigram, Tulsipur of Lumbini region, Surkhet, Birendranagar of Karnali and Dhangadi, Janaki, Aadharsh, Bannigadh, Lamkichuha and Bajhnia of Sudurpaschim region.

Similarly to honor the global money week bank initiated QR code payment systems in Tempos of Birtamod and Hetauda of region 1 and Bagmati region respectively and for retailers from Janakpur of region 2.

The bank also demonstrated visual educational materials regarding 7 major electronic payment mediums i. e. mobile apps, QR Code, ATM, Internet Banking, Connect IPS, P.O.S., and digital wallet, through social media.