September 16, 2025

Monetary Policy Effect on Lending Behaviour of Nepalese Commercial Banks

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Open market operations boost the Credit-to-Deposit Ratio, enhancing lending activity among banks.
Increased cash reserve ratio negatively affects lending, indicating constraints on bank liquidity.
Analysis across eight commercial banks over ten years highlights the importance of liquidity management.
Targeting support for smaller banks can improve credit access for individuals and businesses facing financial hurdles.

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Quantitative analysis of lending behavior using monetary policy tools in Nepal, suggesting areas for improvement.

Pangeni et al. (2025) studied this question.

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