At the end of the second quarter of 2013, non-performing loans of the banking sector reached from 8 percent in March to nearly 12 percent. Net Non-Performing Loans to total loans are higher in state owned commercial banks (SCBs) and development financial institutions (DFIs). In 2011, net-NPLswere 0.34 and 16.95 percent in state owned commercial banks (SCBs) and development financial institutions (DFIs) respectively whereas in 2012, the percentages stood too high as 12.82 and 20.4
