Kathmandu, 4 August: Nepal Rastra Bank has fined two commercial banks for defying its instructions. The Central Bank has  fined Rs 113, 478 to Standard Chartered Bank and NCC Bank for not maintaining the mandatory cash balance/statutory liquidity ratio in the fourth quarter of the year 2078/079. The regulatory body has warned both the banks to comply with its periodical directives or face stern action. Both banks are reported to have low investment in the agriculture sector and high lending in unproductive sectors. People's News Monitoring Service