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'content' => '<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">February 7: The average spread rate of 17 development banks of Nepal in the second quarter of the current fiscal year stands at 4.22 percent. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">As per the financial statements of the second quarter of the current fiscal year (FY 2078/79) released by the development banks, the spread rate has decreased by 1.15 percentage points as compared to the corresponding period of the previous fiscal year (FY 2077/78). The average spread rate was 5.37 percent during the corresponding period of last year. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">There are 16 development banks listed in the Nepal Stock Exchange (NEPSE). Salpa Development Bank is not listed in NEPSE. The spread rates of Narayani Development and Salpa Development Bank have increased compared to the second quarter of last year. During the review period, the spread rate of Narayani Development Bank has increased by 2.32 percentage points and stood at 3.88 percent. The bank's spread rate was 1.56 percent in the second quarter of last year. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">The spread rate of Salpa Development Bank, which is not listed in NEPSE, has increased by 0.16 percentage points in the current fiscal year as compared to the second quarter of last fiscal year. The spread rate of the bank was 4.73 percent in the second quarter of last fiscal year which is now 4.89 percent. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">Sindhu Development Bank has the highest spread rate. The bank's spread rate stood at 5.22 percent in the second quarter of the current fiscal year. In the second quarter of the last fiscal year, the spread rate of the bank was 6.37 percent. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">The spread rates of the 17 development banks are more than 3 percent in the review period while the spread rates of 10 of them are more than 4 percent. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">In the second quarter of the current fiscal year, three banks have reduced the spread rate by more than two percentage points. Karnali Development Bank is one of those banks to reduce the spread rate the most. Compared to the second quarter of last year, its spread rate has decreased by 4.3 percentage points. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">The bank's spread rate was 8.99 percent in the second quarter of last year and 4.96 percent in the current fiscal year. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">Saptakoshi Development Bank and Axel Development Bank are among those who have also reduced the spread rate. The spread rate of these banks has decreased by more than 2 percentage points. </span></span></span></p>
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<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">As per the financial statements of the second quarter of the current fiscal year (FY 2078/79) released by the development banks, the spread rate has decreased by 1.15 percentage points as compared to the corresponding period of the previous fiscal year (FY 2077/78). The average spread rate was 5.37 percent during the corresponding period of last year. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">There are 16 development banks listed in the Nepal Stock Exchange (NEPSE). Salpa Development Bank is not listed in NEPSE. The spread rates of Narayani Development and Salpa Development Bank have increased compared to the second quarter of last year. During the review period, the spread rate of Narayani Development Bank has increased by 2.32 percentage points and stood at 3.88 percent. The bank's spread rate was 1.56 percent in the second quarter of last year. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">The spread rate of Salpa Development Bank, which is not listed in NEPSE, has increased by 0.16 percentage points in the current fiscal year as compared to the second quarter of last fiscal year. The spread rate of the bank was 4.73 percent in the second quarter of last fiscal year which is now 4.89 percent. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">Sindhu Development Bank has the highest spread rate. The bank's spread rate stood at 5.22 percent in the second quarter of the current fiscal year. In the second quarter of the last fiscal year, the spread rate of the bank was 6.37 percent. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">The spread rates of the 17 development banks are more than 3 percent in the review period while the spread rates of 10 of them are more than 4 percent. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">In the second quarter of the current fiscal year, three banks have reduced the spread rate by more than two percentage points. Karnali Development Bank is one of those banks to reduce the spread rate the most. Compared to the second quarter of last year, its spread rate has decreased by 4.3 percentage points. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">The bank's spread rate was 8.99 percent in the second quarter of last year and 4.96 percent in the current fiscal year. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">Saptakoshi Development Bank and Axel Development Bank are among those who have also reduced the spread rate. The spread rate of these banks has decreased by more than 2 percentage points. </span></span></span></p>
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<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">As per the financial statements of the second quarter of the current fiscal year (FY 2078/79) released by the development banks, the spread rate has decreased by 1.15 percentage points as compared to the corresponding period of the previous fiscal year (FY 2077/78). The average spread rate was 5.37 percent during the corresponding period of last year. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">There are 16 development banks listed in the Nepal Stock Exchange (NEPSE). Salpa Development Bank is not listed in NEPSE. The spread rates of Narayani Development and Salpa Development Bank have increased compared to the second quarter of last year. During the review period, the spread rate of Narayani Development Bank has increased by 2.32 percentage points and stood at 3.88 percent. The bank's spread rate was 1.56 percent in the second quarter of last year. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">The spread rate of Salpa Development Bank, which is not listed in NEPSE, has increased by 0.16 percentage points in the current fiscal year as compared to the second quarter of last fiscal year. The spread rate of the bank was 4.73 percent in the second quarter of last fiscal year which is now 4.89 percent. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">Sindhu Development Bank has the highest spread rate. The bank's spread rate stood at 5.22 percent in the second quarter of the current fiscal year. In the second quarter of the last fiscal year, the spread rate of the bank was 6.37 percent. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">The spread rates of the 17 development banks are more than 3 percent in the review period while the spread rates of 10 of them are more than 4 percent. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">In the second quarter of the current fiscal year, three banks have reduced the spread rate by more than two percentage points. Karnali Development Bank is one of those banks to reduce the spread rate the most. Compared to the second quarter of last year, its spread rate has decreased by 4.3 percentage points. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">The bank's spread rate was 8.99 percent in the second quarter of last year and 4.96 percent in the current fiscal year. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">Saptakoshi Development Bank and Axel Development Bank are among those who have also reduced the spread rate. The spread rate of these banks has decreased by more than 2 percentage points. </span></span></span></p>
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<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">As per the financial statements of the second quarter of the current fiscal year (FY 2078/79) released by the development banks, the spread rate has decreased by 1.15 percentage points as compared to the corresponding period of the previous fiscal year (FY 2077/78). The average spread rate was 5.37 percent during the corresponding period of last year. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">There are 16 development banks listed in the Nepal Stock Exchange (NEPSE). Salpa Development Bank is not listed in NEPSE. The spread rates of Narayani Development and Salpa Development Bank have increased compared to the second quarter of last year. During the review period, the spread rate of Narayani Development Bank has increased by 2.32 percentage points and stood at 3.88 percent. The bank's spread rate was 1.56 percent in the second quarter of last year. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">The spread rate of Salpa Development Bank, which is not listed in NEPSE, has increased by 0.16 percentage points in the current fiscal year as compared to the second quarter of last fiscal year. The spread rate of the bank was 4.73 percent in the second quarter of last fiscal year which is now 4.89 percent. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">Sindhu Development Bank has the highest spread rate. The bank's spread rate stood at 5.22 percent in the second quarter of the current fiscal year. In the second quarter of the last fiscal year, the spread rate of the bank was 6.37 percent. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">The spread rates of the 17 development banks are more than 3 percent in the review period while the spread rates of 10 of them are more than 4 percent. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">In the second quarter of the current fiscal year, three banks have reduced the spread rate by more than two percentage points. Karnali Development Bank is one of those banks to reduce the spread rate the most. Compared to the second quarter of last year, its spread rate has decreased by 4.3 percentage points. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">The bank's spread rate was 8.99 percent in the second quarter of last year and 4.96 percent in the current fiscal year. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">Saptakoshi Development Bank and Axel Development Bank are among those who have also reduced the spread rate. The spread rate of these banks has decreased by more than 2 percentage points. </span></span></span></p>
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<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">As per the financial statements of the second quarter of the current fiscal year (FY 2078/79) released by the development banks, the spread rate has decreased by 1.15 percentage points as compared to the corresponding period of the previous fiscal year (FY 2077/78). The average spread rate was 5.37 percent during the corresponding period of last year. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">There are 16 development banks listed in the Nepal Stock Exchange (NEPSE). Salpa Development Bank is not listed in NEPSE. The spread rates of Narayani Development and Salpa Development Bank have increased compared to the second quarter of last year. During the review period, the spread rate of Narayani Development Bank has increased by 2.32 percentage points and stood at 3.88 percent. The bank's spread rate was 1.56 percent in the second quarter of last year. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">The spread rate of Salpa Development Bank, which is not listed in NEPSE, has increased by 0.16 percentage points in the current fiscal year as compared to the second quarter of last fiscal year. The spread rate of the bank was 4.73 percent in the second quarter of last fiscal year which is now 4.89 percent. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">Sindhu Development Bank has the highest spread rate. The bank's spread rate stood at 5.22 percent in the second quarter of the current fiscal year. In the second quarter of the last fiscal year, the spread rate of the bank was 6.37 percent. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">The spread rates of the 17 development banks are more than 3 percent in the review period while the spread rates of 10 of them are more than 4 percent. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">In the second quarter of the current fiscal year, three banks have reduced the spread rate by more than two percentage points. Karnali Development Bank is one of those banks to reduce the spread rate the most. Compared to the second quarter of last year, its spread rate has decreased by 4.3 percentage points. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">The bank's spread rate was 8.99 percent in the second quarter of last year and 4.96 percent in the current fiscal year. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">Saptakoshi Development Bank and Axel Development Bank are among those who have also reduced the spread rate. The spread rate of these banks has decreased by more than 2 percentage points. </span></span></span></p>
<p> </p>
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<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">As per the financial statements of the second quarter of the current fiscal year (FY 2078/79) released by the development banks, the spread rate has decreased by 1.15 percentage points as compared to the corresponding period of the previous fiscal year (FY 2077/78). The average spread rate was 5.37 percent during the corresponding period of last year. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">There are 16 development banks listed in the Nepal Stock Exchange (NEPSE). Salpa Development Bank is not listed in NEPSE. The spread rates of Narayani Development and Salpa Development Bank have increased compared to the second quarter of last year. During the review period, the spread rate of Narayani Development Bank has increased by 2.32 percentage points and stood at 3.88 percent. The bank's spread rate was 1.56 percent in the second quarter of last year. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">The spread rate of Salpa Development Bank, which is not listed in NEPSE, has increased by 0.16 percentage points in the current fiscal year as compared to the second quarter of last fiscal year. The spread rate of the bank was 4.73 percent in the second quarter of last fiscal year which is now 4.89 percent. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">Sindhu Development Bank has the highest spread rate. The bank's spread rate stood at 5.22 percent in the second quarter of the current fiscal year. In the second quarter of the last fiscal year, the spread rate of the bank was 6.37 percent. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">The spread rates of the 17 development banks are more than 3 percent in the review period while the spread rates of 10 of them are more than 4 percent. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">In the second quarter of the current fiscal year, three banks have reduced the spread rate by more than two percentage points. Karnali Development Bank is one of those banks to reduce the spread rate the most. Compared to the second quarter of last year, its spread rate has decreased by 4.3 percentage points. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">The bank's spread rate was 8.99 percent in the second quarter of last year and 4.96 percent in the current fiscal year. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">Saptakoshi Development Bank and Axel Development Bank are among those who have also reduced the spread rate. The spread rate of these banks has decreased by more than 2 percentage points. </span></span></span></p>
<p> </p>
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<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">As per the financial statements of the second quarter of the current fiscal year (FY 2078/79) released by the development banks, the spread rate has decreased by 1.15 percentage points as compared to the corresponding period of the previous fiscal year (FY 2077/78). The average spread rate was 5.37 percent during the corresponding period of last year. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">There are 16 development banks listed in the Nepal Stock Exchange (NEPSE). Salpa Development Bank is not listed in NEPSE. The spread rates of Narayani Development and Salpa Development Bank have increased compared to the second quarter of last year. During the review period, the spread rate of Narayani Development Bank has increased by 2.32 percentage points and stood at 3.88 percent. The bank's spread rate was 1.56 percent in the second quarter of last year. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">The spread rate of Salpa Development Bank, which is not listed in NEPSE, has increased by 0.16 percentage points in the current fiscal year as compared to the second quarter of last fiscal year. The spread rate of the bank was 4.73 percent in the second quarter of last fiscal year which is now 4.89 percent. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">Sindhu Development Bank has the highest spread rate. The bank's spread rate stood at 5.22 percent in the second quarter of the current fiscal year. In the second quarter of the last fiscal year, the spread rate of the bank was 6.37 percent. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">The spread rates of the 17 development banks are more than 3 percent in the review period while the spread rates of 10 of them are more than 4 percent. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">In the second quarter of the current fiscal year, three banks have reduced the spread rate by more than two percentage points. Karnali Development Bank is one of those banks to reduce the spread rate the most. Compared to the second quarter of last year, its spread rate has decreased by 4.3 percentage points. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">The bank's spread rate was 8.99 percent in the second quarter of last year and 4.96 percent in the current fiscal year. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">Saptakoshi Development Bank and Axel Development Bank are among those who have also reduced the spread rate. The spread rate of these banks has decreased by more than 2 percentage points. </span></span></span></p>
<p> </p>
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<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">As per the financial statements of the second quarter of the current fiscal year (FY 2078/79) released by the development banks, the spread rate has decreased by 1.15 percentage points as compared to the corresponding period of the previous fiscal year (FY 2077/78). The average spread rate was 5.37 percent during the corresponding period of last year. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">There are 16 development banks listed in the Nepal Stock Exchange (NEPSE). Salpa Development Bank is not listed in NEPSE. The spread rates of Narayani Development and Salpa Development Bank have increased compared to the second quarter of last year. During the review period, the spread rate of Narayani Development Bank has increased by 2.32 percentage points and stood at 3.88 percent. The bank's spread rate was 1.56 percent in the second quarter of last year. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">The spread rate of Salpa Development Bank, which is not listed in NEPSE, has increased by 0.16 percentage points in the current fiscal year as compared to the second quarter of last fiscal year. The spread rate of the bank was 4.73 percent in the second quarter of last fiscal year which is now 4.89 percent. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">Sindhu Development Bank has the highest spread rate. The bank's spread rate stood at 5.22 percent in the second quarter of the current fiscal year. In the second quarter of the last fiscal year, the spread rate of the bank was 6.37 percent. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">The spread rates of the 17 development banks are more than 3 percent in the review period while the spread rates of 10 of them are more than 4 percent. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">In the second quarter of the current fiscal year, three banks have reduced the spread rate by more than two percentage points. Karnali Development Bank is one of those banks to reduce the spread rate the most. Compared to the second quarter of last year, its spread rate has decreased by 4.3 percentage points. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">The bank's spread rate was 8.99 percent in the second quarter of last year and 4.96 percent in the current fiscal year. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">Saptakoshi Development Bank and Axel Development Bank are among those who have also reduced the spread rate. The spread rate of these banks has decreased by more than 2 percentage points. </span></span></span></p>
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February 7: The average spread rate of 17 development banks of Nepal in the second quarter of the current fiscal year stands at 4.22 percent.
As per the financial statements of the second quarter of the current fiscal year (FY 2078/79) released by the development banks, the spread rate has decreased by 1.15 percentage points as compared to the corresponding period of the previous fiscal year (FY 2077/78). The average spread rate was 5.37 percent during the corresponding period of last year.
There are 16 development banks listed in the Nepal Stock Exchange (NEPSE). Salpa Development Bank is not listed in NEPSE. The spread rates of Narayani Development and Salpa Development Bank have increased compared to the second quarter of last year. During the review period, the spread rate of Narayani Development Bank has increased by 2.32 percentage points and stood at 3.88 percent. The bank's spread rate was 1.56 percent in the second quarter of last year.
The spread rate of Salpa Development Bank, which is not listed in NEPSE, has increased by 0.16 percentage points in the current fiscal year as compared to the second quarter of last fiscal year. The spread rate of the bank was 4.73 percent in the second quarter of last fiscal year which is now 4.89 percent.
Sindhu Development Bank has the highest spread rate. The bank's spread rate stood at 5.22 percent in the second quarter of the current fiscal year. In the second quarter of the last fiscal year, the spread rate of the bank was 6.37 percent.
The spread rates of the 17 development banks are more than 3 percent in the review period while the spread rates of 10 of them are more than 4 percent.
In the second quarter of the current fiscal year, three banks have reduced the spread rate by more than two percentage points. Karnali Development Bank is one of those banks to reduce the spread rate the most. Compared to the second quarter of last year, its spread rate has decreased by 4.3 percentage points.
The bank's spread rate was 8.99 percent in the second quarter of last year and 4.96 percent in the current fiscal year.
Saptakoshi Development Bank and Axel Development Bank are among those who have also reduced the spread rate. The spread rate of these banks has decreased by more than 2 percentage points.
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'content' => '<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">February 7: The average spread rate of 17 development banks of Nepal in the second quarter of the current fiscal year stands at 4.22 percent. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">As per the financial statements of the second quarter of the current fiscal year (FY 2078/79) released by the development banks, the spread rate has decreased by 1.15 percentage points as compared to the corresponding period of the previous fiscal year (FY 2077/78). The average spread rate was 5.37 percent during the corresponding period of last year. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">There are 16 development banks listed in the Nepal Stock Exchange (NEPSE). Salpa Development Bank is not listed in NEPSE. The spread rates of Narayani Development and Salpa Development Bank have increased compared to the second quarter of last year. During the review period, the spread rate of Narayani Development Bank has increased by 2.32 percentage points and stood at 3.88 percent. The bank's spread rate was 1.56 percent in the second quarter of last year. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">The spread rate of Salpa Development Bank, which is not listed in NEPSE, has increased by 0.16 percentage points in the current fiscal year as compared to the second quarter of last fiscal year. The spread rate of the bank was 4.73 percent in the second quarter of last fiscal year which is now 4.89 percent. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">Sindhu Development Bank has the highest spread rate. The bank's spread rate stood at 5.22 percent in the second quarter of the current fiscal year. In the second quarter of the last fiscal year, the spread rate of the bank was 6.37 percent. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">The spread rates of the 17 development banks are more than 3 percent in the review period while the spread rates of 10 of them are more than 4 percent. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">In the second quarter of the current fiscal year, three banks have reduced the spread rate by more than two percentage points. Karnali Development Bank is one of those banks to reduce the spread rate the most. Compared to the second quarter of last year, its spread rate has decreased by 4.3 percentage points. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">The bank's spread rate was 8.99 percent in the second quarter of last year and 4.96 percent in the current fiscal year. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">Saptakoshi Development Bank and Axel Development Bank are among those who have also reduced the spread rate. The spread rate of these banks has decreased by more than 2 percentage points. </span></span></span></p>
<p> </p>
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'summary' => 'February 7: The average spread rate of 17 development banks of Nepal in the second quarter of the current fiscal year stands at 4.22 percent. ',
'content' => '<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">February 7: The average spread rate of 17 development banks of Nepal in the second quarter of the current fiscal year stands at 4.22 percent. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">As per the financial statements of the second quarter of the current fiscal year (FY 2078/79) released by the development banks, the spread rate has decreased by 1.15 percentage points as compared to the corresponding period of the previous fiscal year (FY 2077/78). The average spread rate was 5.37 percent during the corresponding period of last year. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">There are 16 development banks listed in the Nepal Stock Exchange (NEPSE). Salpa Development Bank is not listed in NEPSE. The spread rates of Narayani Development and Salpa Development Bank have increased compared to the second quarter of last year. During the review period, the spread rate of Narayani Development Bank has increased by 2.32 percentage points and stood at 3.88 percent. The bank's spread rate was 1.56 percent in the second quarter of last year. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">The spread rate of Salpa Development Bank, which is not listed in NEPSE, has increased by 0.16 percentage points in the current fiscal year as compared to the second quarter of last fiscal year. The spread rate of the bank was 4.73 percent in the second quarter of last fiscal year which is now 4.89 percent. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">Sindhu Development Bank has the highest spread rate. The bank's spread rate stood at 5.22 percent in the second quarter of the current fiscal year. In the second quarter of the last fiscal year, the spread rate of the bank was 6.37 percent. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">The spread rates of the 17 development banks are more than 3 percent in the review period while the spread rates of 10 of them are more than 4 percent. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">In the second quarter of the current fiscal year, three banks have reduced the spread rate by more than two percentage points. Karnali Development Bank is one of those banks to reduce the spread rate the most. Compared to the second quarter of last year, its spread rate has decreased by 4.3 percentage points. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">The bank's spread rate was 8.99 percent in the second quarter of last year and 4.96 percent in the current fiscal year. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">Saptakoshi Development Bank and Axel Development Bank are among those who have also reduced the spread rate. The spread rate of these banks has decreased by more than 2 percentage points. </span></span></span></p>
<p> </p>
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'content' => '<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">February 7: The average spread rate of 17 development banks of Nepal in the second quarter of the current fiscal year stands at 4.22 percent. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">As per the financial statements of the second quarter of the current fiscal year (FY 2078/79) released by the development banks, the spread rate has decreased by 1.15 percentage points as compared to the corresponding period of the previous fiscal year (FY 2077/78). The average spread rate was 5.37 percent during the corresponding period of last year. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">There are 16 development banks listed in the Nepal Stock Exchange (NEPSE). Salpa Development Bank is not listed in NEPSE. The spread rates of Narayani Development and Salpa Development Bank have increased compared to the second quarter of last year. During the review period, the spread rate of Narayani Development Bank has increased by 2.32 percentage points and stood at 3.88 percent. The bank's spread rate was 1.56 percent in the second quarter of last year. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">The spread rate of Salpa Development Bank, which is not listed in NEPSE, has increased by 0.16 percentage points in the current fiscal year as compared to the second quarter of last fiscal year. The spread rate of the bank was 4.73 percent in the second quarter of last fiscal year which is now 4.89 percent. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">Sindhu Development Bank has the highest spread rate. The bank's spread rate stood at 5.22 percent in the second quarter of the current fiscal year. In the second quarter of the last fiscal year, the spread rate of the bank was 6.37 percent. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">The spread rates of the 17 development banks are more than 3 percent in the review period while the spread rates of 10 of them are more than 4 percent. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">In the second quarter of the current fiscal year, three banks have reduced the spread rate by more than two percentage points. Karnali Development Bank is one of those banks to reduce the spread rate the most. Compared to the second quarter of last year, its spread rate has decreased by 4.3 percentage points. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">The bank's spread rate was 8.99 percent in the second quarter of last year and 4.96 percent in the current fiscal year. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">Saptakoshi Development Bank and Axel Development Bank are among those who have also reduced the spread rate. The spread rate of these banks has decreased by more than 2 percentage points. </span></span></span></p>
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<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">As per the financial statements of the second quarter of the current fiscal year (FY 2078/79) released by the development banks, the spread rate has decreased by 1.15 percentage points as compared to the corresponding period of the previous fiscal year (FY 2077/78). The average spread rate was 5.37 percent during the corresponding period of last year. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">There are 16 development banks listed in the Nepal Stock Exchange (NEPSE). Salpa Development Bank is not listed in NEPSE. The spread rates of Narayani Development and Salpa Development Bank have increased compared to the second quarter of last year. During the review period, the spread rate of Narayani Development Bank has increased by 2.32 percentage points and stood at 3.88 percent. The bank's spread rate was 1.56 percent in the second quarter of last year. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">The spread rate of Salpa Development Bank, which is not listed in NEPSE, has increased by 0.16 percentage points in the current fiscal year as compared to the second quarter of last fiscal year. The spread rate of the bank was 4.73 percent in the second quarter of last fiscal year which is now 4.89 percent. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">Sindhu Development Bank has the highest spread rate. The bank's spread rate stood at 5.22 percent in the second quarter of the current fiscal year. In the second quarter of the last fiscal year, the spread rate of the bank was 6.37 percent. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">The spread rates of the 17 development banks are more than 3 percent in the review period while the spread rates of 10 of them are more than 4 percent. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">In the second quarter of the current fiscal year, three banks have reduced the spread rate by more than two percentage points. Karnali Development Bank is one of those banks to reduce the spread rate the most. Compared to the second quarter of last year, its spread rate has decreased by 4.3 percentage points. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">The bank's spread rate was 8.99 percent in the second quarter of last year and 4.96 percent in the current fiscal year. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">Saptakoshi Development Bank and Axel Development Bank are among those who have also reduced the spread rate. The spread rate of these banks has decreased by more than 2 percentage points. </span></span></span></p>
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'content' => '<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">February 7: The average spread rate of 17 development banks of Nepal in the second quarter of the current fiscal year stands at 4.22 percent. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">As per the financial statements of the second quarter of the current fiscal year (FY 2078/79) released by the development banks, the spread rate has decreased by 1.15 percentage points as compared to the corresponding period of the previous fiscal year (FY 2077/78). The average spread rate was 5.37 percent during the corresponding period of last year. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">There are 16 development banks listed in the Nepal Stock Exchange (NEPSE). Salpa Development Bank is not listed in NEPSE. The spread rates of Narayani Development and Salpa Development Bank have increased compared to the second quarter of last year. During the review period, the spread rate of Narayani Development Bank has increased by 2.32 percentage points and stood at 3.88 percent. The bank's spread rate was 1.56 percent in the second quarter of last year. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">The spread rate of Salpa Development Bank, which is not listed in NEPSE, has increased by 0.16 percentage points in the current fiscal year as compared to the second quarter of last fiscal year. The spread rate of the bank was 4.73 percent in the second quarter of last fiscal year which is now 4.89 percent. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">Sindhu Development Bank has the highest spread rate. The bank's spread rate stood at 5.22 percent in the second quarter of the current fiscal year. In the second quarter of the last fiscal year, the spread rate of the bank was 6.37 percent. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">The spread rates of the 17 development banks are more than 3 percent in the review period while the spread rates of 10 of them are more than 4 percent. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">In the second quarter of the current fiscal year, three banks have reduced the spread rate by more than two percentage points. Karnali Development Bank is one of those banks to reduce the spread rate the most. Compared to the second quarter of last year, its spread rate has decreased by 4.3 percentage points. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">The bank's spread rate was 8.99 percent in the second quarter of last year and 4.96 percent in the current fiscal year. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">Saptakoshi Development Bank and Axel Development Bank are among those who have also reduced the spread rate. The spread rate of these banks has decreased by more than 2 percentage points. </span></span></span></p>
<p> </p>
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'content' => '<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">February 7: The average spread rate of 17 development banks of Nepal in the second quarter of the current fiscal year stands at 4.22 percent. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">As per the financial statements of the second quarter of the current fiscal year (FY 2078/79) released by the development banks, the spread rate has decreased by 1.15 percentage points as compared to the corresponding period of the previous fiscal year (FY 2077/78). The average spread rate was 5.37 percent during the corresponding period of last year. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">There are 16 development banks listed in the Nepal Stock Exchange (NEPSE). Salpa Development Bank is not listed in NEPSE. The spread rates of Narayani Development and Salpa Development Bank have increased compared to the second quarter of last year. During the review period, the spread rate of Narayani Development Bank has increased by 2.32 percentage points and stood at 3.88 percent. The bank's spread rate was 1.56 percent in the second quarter of last year. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">The spread rate of Salpa Development Bank, which is not listed in NEPSE, has increased by 0.16 percentage points in the current fiscal year as compared to the second quarter of last fiscal year. The spread rate of the bank was 4.73 percent in the second quarter of last fiscal year which is now 4.89 percent. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">Sindhu Development Bank has the highest spread rate. The bank's spread rate stood at 5.22 percent in the second quarter of the current fiscal year. In the second quarter of the last fiscal year, the spread rate of the bank was 6.37 percent. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">The spread rates of the 17 development banks are more than 3 percent in the review period while the spread rates of 10 of them are more than 4 percent. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">In the second quarter of the current fiscal year, three banks have reduced the spread rate by more than two percentage points. Karnali Development Bank is one of those banks to reduce the spread rate the most. Compared to the second quarter of last year, its spread rate has decreased by 4.3 percentage points. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">The bank's spread rate was 8.99 percent in the second quarter of last year and 4.96 percent in the current fiscal year. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">Saptakoshi Development Bank and Axel Development Bank are among those who have also reduced the spread rate. The spread rate of these banks has decreased by more than 2 percentage points. </span></span></span></p>
<p> </p>
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'content' => '<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">February 7: The average spread rate of 17 development banks of Nepal in the second quarter of the current fiscal year stands at 4.22 percent. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">As per the financial statements of the second quarter of the current fiscal year (FY 2078/79) released by the development banks, the spread rate has decreased by 1.15 percentage points as compared to the corresponding period of the previous fiscal year (FY 2077/78). The average spread rate was 5.37 percent during the corresponding period of last year. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">There are 16 development banks listed in the Nepal Stock Exchange (NEPSE). Salpa Development Bank is not listed in NEPSE. The spread rates of Narayani Development and Salpa Development Bank have increased compared to the second quarter of last year. During the review period, the spread rate of Narayani Development Bank has increased by 2.32 percentage points and stood at 3.88 percent. The bank's spread rate was 1.56 percent in the second quarter of last year. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">The spread rate of Salpa Development Bank, which is not listed in NEPSE, has increased by 0.16 percentage points in the current fiscal year as compared to the second quarter of last fiscal year. The spread rate of the bank was 4.73 percent in the second quarter of last fiscal year which is now 4.89 percent. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">Sindhu Development Bank has the highest spread rate. The bank's spread rate stood at 5.22 percent in the second quarter of the current fiscal year. In the second quarter of the last fiscal year, the spread rate of the bank was 6.37 percent. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">The spread rates of the 17 development banks are more than 3 percent in the review period while the spread rates of 10 of them are more than 4 percent. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">In the second quarter of the current fiscal year, three banks have reduced the spread rate by more than two percentage points. Karnali Development Bank is one of those banks to reduce the spread rate the most. Compared to the second quarter of last year, its spread rate has decreased by 4.3 percentage points. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">The bank's spread rate was 8.99 percent in the second quarter of last year and 4.96 percent in the current fiscal year. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">Saptakoshi Development Bank and Axel Development Bank are among those who have also reduced the spread rate. The spread rate of these banks has decreased by more than 2 percentage points. </span></span></span></p>
<p> </p>
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<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">As per the financial statements of the second quarter of the current fiscal year (FY 2078/79) released by the development banks, the spread rate has decreased by 1.15 percentage points as compared to the corresponding period of the previous fiscal year (FY 2077/78). The average spread rate was 5.37 percent during the corresponding period of last year. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">There are 16 development banks listed in the Nepal Stock Exchange (NEPSE). Salpa Development Bank is not listed in NEPSE. The spread rates of Narayani Development and Salpa Development Bank have increased compared to the second quarter of last year. During the review period, the spread rate of Narayani Development Bank has increased by 2.32 percentage points and stood at 3.88 percent. The bank's spread rate was 1.56 percent in the second quarter of last year. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">The spread rate of Salpa Development Bank, which is not listed in NEPSE, has increased by 0.16 percentage points in the current fiscal year as compared to the second quarter of last fiscal year. The spread rate of the bank was 4.73 percent in the second quarter of last fiscal year which is now 4.89 percent. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">Sindhu Development Bank has the highest spread rate. The bank's spread rate stood at 5.22 percent in the second quarter of the current fiscal year. In the second quarter of the last fiscal year, the spread rate of the bank was 6.37 percent. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">The spread rates of the 17 development banks are more than 3 percent in the review period while the spread rates of 10 of them are more than 4 percent. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">In the second quarter of the current fiscal year, three banks have reduced the spread rate by more than two percentage points. Karnali Development Bank is one of those banks to reduce the spread rate the most. Compared to the second quarter of last year, its spread rate has decreased by 4.3 percentage points. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">The bank's spread rate was 8.99 percent in the second quarter of last year and 4.96 percent in the current fiscal year. </span></span></span></p>
<p><span style="font-size:16px"><span style="font-family:Calibri,"sans-serif""><span style="font-family:"Times New Roman","serif"">Saptakoshi Development Bank and Axel Development Bank are among those who have also reduced the spread rate. The spread rate of these banks has decreased by more than 2 percentage points. </span></span></span></p>
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