Non-interest Income

Non-interest income diversifies a bank's revenue beyond the interest margin. Common sources in Nepali banks include:

• Commission on letters of credit, bank guarantees and remittances.
• Loan processing fees, service charges and documentation charges.
• Card fees, ATM and digital channel fees.
• Gains on foreign exchange trading and revaluation.
• Dividends and gains on investments.
• Locker rent, bancassurance commission and other miscellaneous income.

Income from off-balance sheet business such as LCs and guarantees does not require funding from deposits, so it improves return on assets with less use of balance sheet capacity, although contingent liabilities still carry credit risk.

A higher share of non-interest income makes earnings less sensitive to interest rate and spread changes. However, NRB regulates many fees charged to customers, and some fees have been capped or removed to protect consumers, which limits this source.

गैरब्याज आम्दानीले ब्याज मार्जिनभन्दा बाहिर आम्दानी विविधीकरण गर्छ। नेपाली बैंकका मुख्य स्रोत: प्रतीतपत्र, बैंक जमानत र विप्रेषणको कमिसन; कर्जा प्रशोधन तथा सेवा शुल्क; कार्ड, एटिएम र डिजिटल माध्यमको शुल्क; विदेशी विनिमय कारोबार लाभ; लगानीको लाभांश; लकर भाडा र बैंकास्योरेन्स कमिसन।

प्रतीतपत्र र जमानत जस्ता वासलातबाहिरका कारोबारले निक्षेप प्रयोग नगरी आम्दानी दिन्छन्, यद्यपि कर्जा जोखिम रहन्छ। गैरब्याज आम्दानीको हिस्सा बढी भए ब्याजदर परिवर्तनको असर कम हुन्छ। तर नेपाल राष्ट्र बैंकले ग्राहक संरक्षणका लागि धेरै शुल्क नियमन गर्छ।