Bank deposits increase to Rs32tr in Apr

May 15, 2025 (MLN): The total deposits held by scheduled banks have moved up by 1.8% to Rs32.32 trillion in April compared to Rs31.75tr by the end of last month.

When compared to the same month of last year, banks' deposits have risen by 13.7%, compared to Rs28.42tr held in April 2024, data released by the central bank showed.

Total advances decreased by 2.5% to Rs13.14tr compared to Rs13.47tr a month ago. Meanwhile, advances increased by 9.2% from their value of Rs12.03tr from a year ago.

As a result of strong inflow of deposits and weak momentum of advances, the Advances to Deposits Ratio (ADR) dropped to 40.7%, a decrease of 179 basis points on a monthly basis and a decrease of 167 bps on a yearly basis.

This reflects persistently weak private sector demand for bank credit amid subdued economic conditions as well as the government’s high demand for bank financing to meet the budget deficit.

Total investments increased by 2.6% to Rs33.2tr from last month. Compared to last year, investments rose 21.7%.

Investment to Deposit Ratio (IDR) moved up by 76bps to 102.7% compared to last month and increased by 674 bps when compared to a year ago.

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