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BANKING & FINANCIAL STATISTICSMonthly
NEPAL RASTRA BANKBank & Financial Institution Regulation Department
Statistics Division
2068 Poush(Mid Jan, 2012)(Provisional)
862 877907 919 939 953
699 703 714 713 719 736
0
200
400
600
800
1000
1200
Mid Aug Mid Sep Mid Oct Mid Nov Mid Dec Mid Jan
Rs. i
n bi
llion
Deposit
Contents
Page1. Explanatory note 12. Major financial indicators 23. Statement of Assets & Liabilities of Bank & Financial Institutions (Aggregate) 3
4. Geographical distribution of: a. Bank & financial institutions' branches 11b. Deposit 12c. Credit 13d. District wise distribution of bank & financial institutions' brancehs 14e. District wise distribution of credit & deposit 16
5. Statement of Assets and Liabilities a. Commercial banks 18b. Development banks 20c. Finance companies 26
6. Profit & Loss accounta. Commercial banks 32b. Development banks 35c. Finance companies 45
7. Sector‐ wise, product‐wise and security‐wise credita. Commercial banks 55b. Development banks 57c. Finance companies 62
8. Micro‐credit development banks a. Major financial indicators 67b. Statement of assets and liabilities 68c. Profit & loss account 70d. Progress report 73
9. List of bank and financial institutions with short name 77
1
2
3
Nepalese Month
Baisakh Mid‐MayJestha Mid‐June
Ashadh Mid‐JulyShrawan Mid‐AugBhadra Mid‐SeptAswin Mid‐OctKartik Mid‐NovMarga Mid‐DecPoush Mid‐JanMagh Mid‐FebFalgun Mid‐MarChaitra Mid‐Apr
4 Statistics of following Licensed BFIs have been used.
Commercial Banks
Development Banks
Finance Companies
Micro –Credits Total
Data available , out of total number 31 89 78 14 212Total Number of Licensed BFIs 31 89 79 21 220
5 All the amount in this statistics are in million of rupees.
6
7
8
9 Deposit Collection & Loan Disbursement of BFI's are assumed to be of same district in which the Banks/Branches are located.
Extension counters, micro finance branches and regional offices have not been included in total number of bank branches.
Urban represents all the municipalities (existing 58 and newly declared 41) as well as all VDCs in Kathmandu District.
Gregorian Month
Explanatory Notes
Short Names of BFIs are used in notification and their full names have been provided in the last page (List of Bank & Financial Institutions).
"Banking and Financial Statistics, Monthly" contains statistical information of NRB licensed Banks and Financial Institutions (BFIs).
Blank spaces in the headings and sub‐headings indicate the unavailability of data or nil in transactions or not submitted in prescribed format.
The following months of the Gregorian Calendar year are the approximate equivalent of the months of the Nepalese Calendar Year:
1
Class "A" Class "B" Class "C" Total
1 Deposit/GDP 56.6 7.9 6.3 70.8
2 Credit/GDP 41.7 6.8 6.2 54.7
3 Credit/Deposit 73.8 85.7 97.6 77.2
4 Credit/Deposit & Core Capital 67.9 70.9 82.5 69.7
5 Investment/Deposit 21.5 5.5 5.0 18.2
6 Credit & Investment/Deposit 95.2 91.3 102.7 95.5
7 Fixed Depoist/Total Deposit 37.7 30.3 51.5 38.1
8 Saving Deposit/Total Deposit 33.8 47.5 42.3 36.1
9 Current Deposit/Total Deposit 9.6 1.9 0.1 7.9
10 NPL/ Total Loan 3.9 5.7 9.9 4.8
11 Total LLP/Total Loan 4.4 4.6 11.6 5.3
12 Deprived SectorLoan/Total Loan 3.8 30.1 2.4 6.9
1 NRB Balance/Total Deposit 11.4 3.8 4.7 9.9
2 Cash Balance/Total Deposit 2.4 2.7 1.6 2.4
3 Total Liquid Fund/Total Deposit 30.9 35.4 30.5 31.4
1 Core Capital/RWA (%) 8.5 21.9 18.1 10.8
2 Total Capital/RWA (%) 10.0 21.8 18.9 12.0
3 Total Capital/Total Deposit (%) 8.7 20.8 18.3 10.9
4 Total Capital/Total Credit (%) 13.7 24.1 19.6 15.7
1 No. of Branches 1,300 629 336 2,265
2 No. of ATM 1,027 166 83 1,276
3 No. of Debit Card 2,360,781 179,451 118,495 2,658,727
4 No. of Credit Card 38,903 ‐ ‐ 38,903
5 No. of Deposit Accounts 6,395,849 1,166,664 739,670 8,302,183
6 No.of Loan 500,907 106,460 59,388 666,755
7 Wt. Avg Interest on Deposit 6.61 10.04 10.69 7.31
(a) Saving 4.92 9.10 9.55 5.95
(b) Fixed 9.60 12.63 12.62 10.17
(c) Call 7.50 9.59 10.22 7.77
8 Wt. Avg Interest on Credit 13.72 16.08 16.85 14.32
D. Other Information
Major Financial Indicators
A. Credit, Deposit Ratios (%)
B. Liquidity Ratios (%)
C. Capital Adequacy Ratios
as on Poush End, 2068
2
Mid-Dec Mid-Jan 2009 2010 2011 2011 2012 Column Column Column Column
1 2 3 4 5 2/1 3/2 4/3 5/41 CAPITAL FUND 50,265.6 75,485.9 103,407.5 111,355.4 108,783.3 50.2 37.0 7.7 (2.3) a. Paid-up Capital 59,200.3 78,357.1 98,418.2 100,239.8 101,424.5 32.4 25.6 1.9 1.2 b. Statutory Reserves 10,768.4 14,234.2 17,727.3 19,866.3 21,139.0 32.2 24.5 12.1 6.4
c. Retained Earning (27,890.5) (27,003.3) (24,280.9) (21,055.7) (26,766.3) (3.2) (10.1) (13.3) 27.1d. Others Reserves 8,187.3 9,897.9 11,543.0 12,305.0 12,986.1 20.9 16.6 6.6 5.5
2 BORROWINGS 26,136.5 27,377.6 34,058.7 20,644.5 20,353.3 4.7 24.4 (39.4) (1.4) a. NRB 2,238.6 7,559.8 13,307.2 4,005.6 4,355.6 237.7 76.0 (69.9) 8.7
b. "A"Class Licensed Institution 14,110.2 9,794.3 10,916.0 6,571.5 5,788.5 (30.6) 11.5 (39.8) (11.9)c. Foreign Banks and Fin. Ins. 4,120.8 2,043.5 2,232.3 3,117.7 2,478.8 (50.4) 9.2 39.7 (20.5)d. Other Financial Ins. 2,135.0 4,247.5 1,453.4 1,360.8 1,630.7 98.9 (65.8) (6.4) 19.8e. Bonds and Securities 3,531.9 3,732.6 6,149.8 5,589.0 6,099.6 5.7 64.8 (9.1) 9.1
3 DEPOSITS 668,679.5 785,238.0 869,951.4 939,485.6 952,724.0 17.4 10.8 8.0 1.4a. Current 72,662.6 82,134.1 80,934.3 74,160.0 75,164.2 13.0 (1.5) (8.4) 1.4b. Savings 314,013.3 305,780.5 305,589.2 332,713.0 344,091.5 (2.6) (0.1) 8.9 3.4c. Fixed 183,054.1 265,134.6 332,726.3 359,930.8 363,408.6 44.8 25.5 8.2 1.0d. Call Deposits 91,663.2 122,927.9 139,308.2 159,490.6 157,072.6 34.1 13.3 14.5 (1.5)e. Others 7,286.3 9,260.9 11,393.4 13,191.3 12,987.2 27.1 23.0 15.8 (1.5)
4 Bills Payable 1,766.8 1,256.4 964.9 832.6 783.8 (28.9) (23.2) (13.7) (5.9)5 Other Liabilities 103,852.0 93,435.3 106,260.3 133,016.0 125,326.6 (10.0) 13.7 25.2 (5.8)
1. Loan Loss Provision 27,897.5 25,878.4 30,215.8 36,512.4 38,128.4 (7.2) 16.8 20.8 4.42. Interest Suspense a/c 29,443.1 27,923.6 28,130.0 34,416.1 31,569.1 (5.2) 0.7 22.3 (8.3)3. Others 46,511.5 39,633.3 47,914.5 62,087.5 55,629.1 (14.8) 20.9 29.6 (10.4)
6 Reconcillation A/c 97,611.6 4,061.7 9,873.0 13,405.7 3,131.6 (95.8) 143.1 35.8 (76.6)7 Profit & Loss A/c 19,293.2 21,114.2 20,201.9 4,403.7 7,189.0 9.4 (4.3) (78.2) 63.2
967,605.3 1,007,969.1 1,144,717.7 1,223,143.6 1,218,291.5 4.2 13.6 6.9 (0.4)
1 LIQUID FUNDS 138,395.4 150,503.2 147,994.0 189,009.8 193,635.3 8.7 (1.7) 27.7 2.4a. Cash Balance 17,754.0 20,454.9 23,950.2 22,708.3 23,637.8 15.2 17.1 (5.2) 4.1 Nepalese Notes & Coins 16,894.5 19,977.5 23,410.2 21,573.1 22,819.7 18.2 17.2 (7.8) 5.8 Foreign Currency 859.5 477.4 540.0 1,135.2 818.1 (44.5) 13.1 110.2 (27.9)b. Bank Balance 96,767.1 97,818.2 90,221.7 135,824.9 139,621.1 1.1 (7.8) 50.5 2.8 1. In Nepal Rastra Bank 60,247.8 54,779.2 54,649.3 97,721.3 95,445.3 (9.1) (0.2) 78.8 (2.3) 2. "A"Class Licensed Institution 23,652.8 23,351.1 15,882.0 17,447.7 17,703.2 (1.3) (32.0) 9.9 1.5 3. Other Financial Ins. 4,878.9 9,394.3 9,176.5 7,729.9 9,154.6 92.5 (2.3) (15.8) 18.4 4. In Foreign banks 7,987.6 10,293.7 10,513.9 12,925.9 17,317.9 28.9 2.1 22.9 34.0c. Money at Call 23,874.2 32,230.1 33,822.1 30,476.6 30,376.4 35.0 4.9 (9.9) (0.3)
2 INVESTMENTS 70,346.5 84,641.5 107,562.4 119,705.0 125,857.2 20.3 27.1 11.3 5.1a. Govt.Securities 69,944.5 81,922.1 105,115.1 118,449.0 124,784.1 17.1 28.3 12.7 5.3b Others 402.0 2,719.3 2,447.2 1,256.0 1,073.1 576.4 (10.0) (48.7) (14.6)
3 SHARE & OTHER INVESTMENT 68,688.6 60,629.2 53,582.9 54,476.3 47,680.1 (11.7) (11.6) 1.7 (12.5)4 LOANS & ADVANCES 499,892.6 609,921.9 698,779.0 711,815.7 728,369.9 22.0 14.6 1.9 2.3
a. Private Sector 432,730.1 593,596.8 675,113.9 687,199.2 703,247.3 37.2 13.7 1.8 2.3b. Financial Institutions 12,581.8 12,812.2 17,300.0 18,312.3 18,251.1 1.8 35.0 5.9 (0.3)c. Government Organizations 54,580.7 3,513.0 6,365.1 6,304.2 6,871.5 (93.6) 81.2 (1.0) 9.0
5 BILL PURCHED 3,907.6 2,257.0 5,149.7 7,151.8 7,192.2 (42.2) 128.2 38.9 0.66 LOANS AGT. COLLECTED BILLS 17.9 98.6 96.0 352.8 416.2 452.2 (2.7) 267.7 18.07 FIXED ASSETS 15,004.6 20,405.9 24,260.6 25,678.8 26,009.4 36.0 18.9 5.8 1.38 OTHER ASSETS 64,802.8 69,231.8 79,138.1 98,169.1 92,102.0 6.8 14.3 24.0 (6.2)
a. Accrued Interests 29,905.2 29,133.1 29,689.7 40,922.5 33,471.8 (2.6) 1.9 37.8 (18.2) b. Others 34,897.6 40,098.7 49,448.4 57,246.6 58,630.1 14.9 23.3 15.8 2.4
9 Expenses not Written off 622.8 617.8 775.3 676.4 551.9 (0.8) 25.5 (12.8) (18.4)10 Non Banking Assets 2,306.4 1,829.1 1,549.7 1,994.7 2,322.8 (20.7) (15.3) 28.7 16.511 Reconcillation Account 95,774.6 7,397.6 21,980.3 10,605.9 (9,788.7) (92.3) 197.1 (51.7) (192.3)12 Profit & Loss A/c 7,845.3 435.5 3,849.8 3,507.5 3,943.3 (94.4) 784.0 (8.9) 12.4
967,605.3 1,007,969.1 1,144,717.7 1,223,143.8 1,218,291.9 4.2 13.6 6.9 (0.4)
Statement of Assets and Liabilities of Bank & Financial Institutions (Aggregat
Liabilities Mid-July Rs in million
TOTALAssets
TOTAL
Percentage change
3
Mid-Dec Mid-Jan 2009 2010 2011 2011 2012 ColumnColum Column Column
1 2 3 4 5 2/1 3/2 4/3 5/41 CAPITAL FUND 30,399.5 40,719.8 59,064.4 68,141.8 66,636.7 33.9 45.1 15.4 (2.2) a. Paid-up Capital 40,738.3 46,630.4 58,294.9 59,714.5 60,348.2 14.5 25.0 2.4 1.1 b. Statutory Reserves 9,514.2 12,146.3 14,925.9 16,468.3 17,602.3 27.7 22.9 10.3 6.9
c. Retained Earning (27,143.0) (26,722.0) (24,831.2) (19,336.3) (23,227.2) (1.6) (7.1) (22.1) 20.1d. Others Reserves 7,290.1 8,665.1 10,674.8 11,295.3 11,913.4 18.9 23.2 5.8 5.5
2 BORROWINGS 18,320.2 19,783.9 24,852.8 15,356.7 15,940.7 8.0 25.6 (38.2) 3.8 a. NRB 2,154.3 6,752.6 10,226.1 3,607.6 4,093.3 213.5 51.4 (64.7) 13.5
b. "A"Class Licensed Institution 8,132.5 4,816.8 6,321.0 3,183.5 3,010.4 (40.8) 31.2 (49.6) (5.4)c. Foreign Banks and Fin. Ins. 4,012.7 1,933.3 1,868.1 2,757.9 2,119.1 (51.8) (3.4) 47.6 (23.2)d. Other Financial Ins. 520.7 2,553.4 379.9 280.0 690.1 390.4 (85.1) (26.3) 146.5e. Bonds and Securities 3,500.0 3,727.8 6,057.8 5,527.8 6,027.8 6.5 62.5 (8.7) 9.0
3 DEPOSITS 563,604.5 630,880.8 687,587.9 754,544.9 761,247.1 11.9 9.0 9.7 0.9a. Current 71,651.0 80,606.2 78,982.9 72,453.9 73,037.4 12.5 (2.0) (8.3) 0.8b. Savings 259,925.4 237,709.3 231,094.4 251,212.8 257,533.6 (8.5) (2.8) 8.7 2.5c. Fixed 141,259.4 200,058.5 253,586.4 283,494.2 287,339.2 41.6 26.8 11.8 1.4d. Call Deposits 84,709.7 105,687.2 116,624.7 138,562.7 134,876.3 24.8 10.3 18.8 (2.7)e. Others 6,058.9 6,819.7 7,299.5 8,821.2 8,460.5 12.6 7.0 20.8 (4.1)
4 Bills Payable 1,738.5 1,226.0 942.9 821.9 764.7 (29.5) (23.1) (12.8) (7.0)5 Other Liabilities 87,709.2 77,413.0 84,386.3 100,606.9 94,097.5 (11.7) 9.0 19.2 (6.5)
1. Loan Loss Provision 23,682.5 21,631.8 21,340.1 24,833.4 24,951.6 (8.7) (1.3) 16.4 0.52. Interest Suspense a/c 27,666.2 24,101.3 23,249.4 25,937.3 24,452.9 (12.9) (3.5) 11.6 (5.7)3. Others 36,360.4 31,679.9 39,796.8 49,836.2 44,693.0 (12.9) 25.6 25.2 (10.3)
6 Reconcillation A/c 95,621.7 1,234.6 5,931.6 9,319.3 (1,632.3) (98.7) 380.4 57.1 (117.5)7 Profit & Loss A/c 14,772.4 16,042.8 15,598.5 4,017.2 5,718.8 8.6 (2.8) (74.2) 42.4
812,165.9 787,300.9 878,364.5 952,808.6 942,773.2 (3.1) 11.6 8.5 (1.1)
1 LIQUID FUNDS 105,989.0 102,749.0 98,071.7 135,572.3 135,829.6 (3.1) (4.6) 38.2 0.2a. Cash Balance 15,839.2 17,573.1 20,265.2 18,678.3 19,392.5 10.9 15.3 (7.8) 3.8 Nepalese Notes & Coins 15,014.6 17,137.2 19,765.0 17,608.6 18,623.1 14.1 15.3 (10.9) 5.8 Foreign Currency 824.6 435.9 500.3 1,069.8 769.4 (47.1) 14.8 113.8 (28.1)b. Bank Balance 75,438.8 69,551.5 63,293.3 106,123.0 108,196.1 (7.8) (9.0) 67.7 2.0 1. In Nepal Rastra Bank 55,539.2 49,542.7 48,727.4 90,234.3 87,387.3 (10.8) (1.6) 85.2 (3.2) 2. "A"Class Licensed Institution 11,505.6 8,460.4 3,826.0 3,145.8 2,835.2 (26.5) (54.8) (17.8) (9.9) 3. Other Financial Ins. 415.4 1,333.7 284.6 14.8 722.0 221.1 (78.7) (94.8) 4780.5 4. In Foreign banks 7,978.6 10,214.7 10,455.2 12,728.0 17,251.6 28.0 2.4 21.7 35.5c. Money at Call 14,711.1 15,624.4 14,513.2 10,771.0 8,241.0 6.2 (7.1) (25.8) (23.5)
2 INVESTMENTS 69,261.4 81,343.8 102,655.9 114,247.9 119,863.2 17.4 26.2 11.3 4.9a. Govt.Securities 68,902.0 79,079.6 100,267.3 113,140.0 118,860.3 14.8 26.8 12.8 5.1b Others 359.4 2,264.2 2,388.6 1,107.9 1,002.9 530.0 5.5 (53.6) (9.5)
3 SHARE & OTHER INVESTMEN 61,595.5 52,697.3 46,901.4 50,076.5 43,480.4 (14.4) (11.0) 6.8 (13.2)4 LOANS & ADVANCES 398,143.0 467,107.2 522,853.3 537,957.5 554,170.4 17.3 11.9 2.9 3.0
a. Private Sector 387,543.3 453,049.0 503,339.4 519,243.3 533,566.3 16.9 11.1 3.2 2.8b. Financial Institutions 7,991.7 11,270.6 13,362.3 12,584.6 13,951.2 41.0 18.6 (5.8) 10.9c. Government Organizations 2,608.0 2,787.6 6,151.5 6,129.6 6,652.9 6.9 120.7 (0.4) 8.5
5 BILL PURCHED 3,745.7 2,172.6 5,073.8 7,117.7 7,132.9 (42.0) 133.5 40.3 0.26 LOANS AGT. COLLECTED BILLS 17.9 98.6 96.0 352.8 416.2 452.2 (2.7) 267.7 18.07 FIXED ASSETS 11,004.8 13,896.1 16,098.8 17,303.3 17,571.6 26.3 15.9 7.5 1.68 OTHER ASSETS 59,152.5 60,702.9 66,675.1 80,559.7 76,159.2 2.6 9.8 20.8 (5.5)
a. Accrued Interests 28,776.5 25,188.4 24,341.4 32,058.0 26,027.1 (12.5) (3.4) 31.7 (18.8) b. Others 30,376.0 35,514.6 42,333.7 48,501.6 50,132.0 16.9 19.2 14.6 3.4
9 Expenses not Written off 475.2 458.8 600.7 508.6 402.6 (3.4) 30.9 (15.3) (20.8)10 Non Banking Assets 1,889.1 1,616.6 1,376.6 1,617.4 1,598.9 (14.4) (14.8) 17.5 (1.1)11 Reconcillation Account 93,915.3 4,457.9 17,961.1 6,552.5 (14,627.6) (95.3) 302.9 (63.5) (323.2)12 Profit & Loss A/c 6,976.4 0.0 0.0 942.4 775.8 (100.0) 0.0 0.0 (17.7)
812,165.9 787,300.9 878,364.5 952,808.6 942,773.2 (3.1) 11.6 8.5 (1.1)
TOTAL
Percentage change
TOTAL
Assets
Rs in million
Mid-July Liabilities
Statement of Assets and Liabilities of Commercial Bank
4
Mid-Dec Mid-Jan 2009 2010 2011 2011 2012 ColumnColum Column Column
1 2 3 4 5 2/1 3/2 4/3 5/41 CAPITAL FUND 9,325.1 15,328.2 22,524.6 23,103.8 22,587.1 64.4 46.9 2.6 (2.2) a. Paid-up Capital 9,140.9 14,535.3 20,895.1 21,150.4 21,352.2 59.0 43.8 1.2 1.0 b. Statutory Reserves 244.8 697.9 1,138.3 1,460.0 1,484.3 185.1 63.1 28.3 1.7
c. Retained Earning (449.9) (443.9) 67.7 (12.2) (801.2) (1.3) (115.2) (118.0) 6467.8d. Others Reserves 389.3 538.9 423.6 505.5 551.7 38.4 (21.4) 19.4 9.1
2 BORROWINGS 2,622.6 4,442.8 4,700.0 2,768.9 2,110.6 69.4 5.8 (41.1) (23.8) a. NRB 84.3 660.7 2,433.7 290.0 253.3 683.7 268.4 (88.1) (12.7)
b. "A"Class Licensed Institution 1,969.6 2,858.6 1,334.0 1,609.8 1,054.7 45.1 (53.3) 20.7 (34.5)c. Foreign Banks and Fin. Ins. 38.1 110.2 364.2 359.8 359.8 189.2 230.5 (1.2) 0.0d. Other Financial Ins. 528.7 808.6 557.1 448.2 371.1 52.9 (31.1) (19.5) (17.2)e. Bonds and Securities 1.9 4.8 11.0 61.2 71.8 152.0 130.1 455.4 17.4
3 DEPOSITS 48,001.6 76,950.8 96,886.7 101,770.9 106,276.5 60.3 25.9 5.0 4.4a. Current 519.7 1,417.4 1,860.5 1,647.9 2,034.8 172.7 31.3 (11.4) 23.5b. Savings 26,551.0 36,106.4 42,968.3 47,563.9 50,491.7 36.0 19.0 10.7 6.2c. Fixed 14,416.2 24,242.1 31,162.9 32,121.4 32,230.5 68.2 28.5 3.1 0.3d. Call Deposits 5,975.3 14,605.3 20,407.7 19,735.7 20,889.1 144.4 39.7 (3.3) 5.8e. Others 539.4 579.5 487.3 701.9 630.5 7.4 (15.9) 44.0 (10.2)
4 Bills Payable 27.4 6.0 17.8 10.1 12.7 (78.1) 196.1 (43.3) 25.95 Other Liabilities 5,584.5 8,151.2 10,858.3 14,953.3 13,789.9 46.0 33.2 37.7 (7.8)
1. Loan Loss Provision 2,162.1 1,921.5 3,520.4 3,932.3 4,190.6 (11.1) 83.2 11.7 6.62. Interest Suspense a/c 961.5 2,821.7 3,189.4 4,524.2 3,655.5 193.5 13.0 41.8 (19.2)3. Others 2,460.9 3,407.9 4,148.5 6,496.8 5,943.9 38.5 21.7 56.6 (8.5)
6 Reconcillation A/c 877.8 1,412.6 2,577.4 2,712.7 3,431.9 60.9 82.5 5.2 26.57 Profit & Loss A/c 1,570.3 2,168.2 2,171.4 168.3 813.2 38.1 0.1 (92.3) 383.3
68,009.3 108,459.7 139,736.2 145,487.9 149,022.0 59.5 28.8 4.1 2.4
1 LIQUID FUNDS 15,999.8 26,036.3 29,411.3 32,214.5 34,247.0 62.7 13.0 9.5 6.3a. Cash Balance 1,309.4 1,932.3 2,465.0 2,763.5 2,907.2 47.6 27.6 12.1 5.2 Nepalese Notes & Coins 1,275.8 1,891.5 2,427.0 2,698.7 2,859.3 48.3 28.3 11.2 5.9 Foreign Currency 33.6 40.7 38.1 64.7 47.9 21.2 (6.5) 69.9 (26.0)b. Bank Balance 10,901.5 13,190.5 13,229.8 15,786.6 15,906.6 21.0 0.3 19.3 0.8 1. In Nepal Rastra Bank 2,441.6 2,698.2 3,511.9 4,396.3 4,084.5 10.5 30.2 25.2 (7.1) 2. "A"Class Licensed Institution 6,185.5 6,785.6 5,973.6 7,582.0 8,206.0 9.7 (12.0) 26.9 8.2 3. Other Financial Ins. 2,265.4 3,627.7 3,685.7 3,610.4 3,549.8 60.1 1.6 (2.0) (1.7) 4. In Foreign banks 9.0 79.0 58.6 197.9 66.4 777.7 (25.8) 237.6 (66.5)c. Money at Call 3,788.9 10,913.5 13,716.4 13,664.5 15,433.2 188.0 25.7 (0.4) 12.9
2 INVESTMENTS 269.4 2,073.1 2,519.6 3,118.5 3,484.4 669.5 21.5 23.8 11.7a. Govt.Securities 256.8 1,633.3 2,497.0 3,095.2 3,471.1 536.0 52.9 24.0 12.1b Others 12.6 439.8 22.6 23.3 13.3 3390.7 (94.9) 3.2 (42.9)
3 SHARE & OTHER INVESTMEN 4,643.3 4,728.7 3,343.5 2,507.9 2,413.3 1.8 (29.3) (25.0) (3.8)4 LOANS & ADVANCES 41,828.4 65,827.9 88,923.3 90,296.6 91,064.3 57.4 35.1 1.5 0.9
a. Private Sector 0.0 65,642.9 88,169.2 87,595.2 89,948.4 0.0 34.3 (0.7) 2.7b. Financial Institutions 0.0 177.8 609.7 2,584.5 954.9 0.0 243.0 323.9 (63.1)c. Government Organizations 41,828.4 7.2 144.4 116.9 161.0 (100.0) 1899 (19.1) 37.8
5 BILL PURCHED 5.0 10.2 45.7 23.7 27.0 103.4 349.5 (48.1) 13.96 LOANS AGT. COLLECTED BILLS 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.07 FIXED ASSETS 1,321.6 2,774.8 3,828.1 4,011.9 4,035.0 110.0 38.0 4.8 0.68 OTHER ASSETS 2,757.7 5,186.0 7,635.1 9,651.2 8,676.2 88.1 47.2 26.4 (10.1)
a. Accrued Interests 261.2 2,903.6 3,339.1 4,677.7 3,800.6 1011.6 15.0 40.1 (18.7) b. Others 2,496.5 2,282.4 4,296.0 4,973.6 4,875.6 (8.6) 88.2 15.8 (2.0)
9 Expenses not Written off 85.2 79.2 110.6 97.9 92.0 (7.1) 39.7 (11.5) (6.0)10 Non Banking Assets 112.0 24.3 12.7 203.1 535.8 (78.3) (47.7) 1496.4 163.811 Reconcillation Account 779.1 1,511.7 2,617.5 2,559.2 3,420.5 94.0 73.1 (2.2) 33.712 Profit & Loss A/c 207.8 207.5 1,288.8 803.6 1,027.0 (0.1) 521.1 (37.6) 27.8
68,009.3 108,459.7 139,736.2 145,488.1 149,022.4 59.5 28.8 4.1 2.4
TOTAL
Mid July Percentage changesRs in million
TOTAL
Assets
Statement of Assets and Liabilities of Development Banks
Liabilities
5
Mid-Dec Mid-Jan 2009 2010 2011 2011 2012 ColumnColum Column Column
1 2 3 4 5 2/1 3/2 4/3 5/41 CAPITAL FUND 10,541.0 19,437.9 21,818.4 20,109.8 19,559.5 84.4 12.2 (7.8) (2.7) a. Paid-up Capital 9,321.1 17,191.3 19,228.2 19,374.9 19,724.1 84.4 11.8 0.8 1.8 b. Statutory Reserves 1,009.5 1,390.0 1,663.1 1,937.9 2,052.3 37.7 19.6 16.5 5.9
c. Retained Earning (297.6) 162.6 482.6 (1,707.2) (2,737.9) (154.6) 196.7 (453.8) 60.4d. Others Reserves 507.9 693.9 444.5 504.2 520.9 36.6 (35.9) 13.4 3.3
2 BORROWINGS 5,193.7 3,151.0 4,505.8 2,518.9 2,302.0 (39.3) 43.0 (44.1) (8.6) a. NRB 0.0 146.5 647.5 108.0 9.0 0.0 342.0 (83.3) (91.7)
b. "A"Class Licensed Institution 4,008.1 2,119.0 3,261.0 1,778.3 1,723.4 (47.1) 53.9 (45.5) (3.1)c. Foreign Banks and Fin. Ins. 70.0 0.0 0.0 0.0 0.0 (100.0) 0.0 0.0 0.0d. Other Financial Ins. 1,085.6 885.5 516.4 632.6 569.6 (18.4) (41.7) 22.5 (10.0)e. Bonds and Securities 30.0 0.0 81.0 0.0 0.0 (100.0) 0.0 (100.0) 0.0
3 DEPOSITS 57,073.4 77,406.3 85,476.9 83,169.9 85,200.4 35.6 10.4 (2.7) 2.4a. Current 491.9 110.5 90.9 58.2 92.0 (77.5) (17.7) (36.0) 58.0b. Savings 27,536.9 31,964.8 31,526.5 33,936.2 36,066.1 16.1 (1.4) 7.6 6.3c. Fixed 27,378.5 40,834.0 47,977.0 44,315.2 43,838.9 49.1 17.5 (7.6) (1.1)d. Call Deposits 978.2 2,635.4 2,275.9 1,192.2 1,307.2 169.4 (13.6) (47.6) 9.6e. Others 688.0 1,861.8 3,606.6 3,668.1 3,896.2 170.6 93.7 1.7 6.2
4 Bills Payable 1.0 24.4 4.2 0.6 6.4 2449.2 (82.8) (85.4) 936.25 Other Liabilities 10,558.3 7,871.1 11,015.7 17,455.8 17,439.2 (25.5) 40.0 58.5 (0.1)
1. Loan Loss Provision 2,052.8 2,325.1 5,355.3 7,746.7 8,986.3 13.3 130.3 44.7 16.02. Interest Suspense a/c 815.3 1,000.5 1,691.2 3,954.6 3,460.8 22.7 69.0 133.8 (12.5)3. Others 7,690.1 4,545.5 3,969.2 5,754.5 4,992.1 (40.9) (12.7) 45.0 (13.2)
6 Reconcillation A/c 1,112.1 1,414.6 1,364.0 1,373.8 1,331.9 27.2 (3.6) 0.7 (3.0)7 Profit & Loss A/c 2,950.6 2,903.2 2,432.0 218.3 657.0 (1.6) (16.2) (91.0) 201.0
87,430.1 112,208.5 126,617.0 124,847.1 126,496.3 28.3 12.8 (1.4) 1.3
1 LIQUID FUNDS 16,406.6 21,717.9 20,511.0 21,223.0 23,558.8 32.4 (5.6) 3.5 11.0a. Cash Balance 605.4 949.5 1,219.9 1,266.5 1,338.1 56.8 28.5 3.8 5.7 Nepalese Notes & Coins 604.2 948.7 1,218.3 1,265.8 1,337.3 57.0 28.4 3.9 5.7 Foreign Currency 1.3 0.8 1.7 0.7 0.8 (37.6) 108.0 (59.7) 16.4b. Bank Balance 10,426.9 15,076.2 13,698.6 13,915.4 15,518.4 44.6 (9.1) 1.6 11.5 1. In Nepal Rastra Bank 2,267.0 2,538.3 2,410.0 3,090.8 3,973.5 12.0 (5.1) 28.2 28.6 2. "A"Class Licensed Institution 5,961.7 8,105.1 6,082.4 6,719.9 6,662.0 36.0 (25.0) 10.5 (0.9) 3. Other Financial Ins. 2,198.2 4,432.8 5,206.2 4,104.7 4,882.9 101.7 17.4 (21.2) 19.0 4. In Foreign banks 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0c. Money at Call 5,374.2 5,692.2 5,592.5 6,041.1 6,702.2 5.9 (1.8) 8.0 10.9
2 INVESTMENTS 815.7 1,224.6 2,386.8 2,338.5 2,509.6 50.1 94.9 (2.0) 7.3a. Govt.Securities 785.7 1,209.3 2,350.8 2,213.7 2,452.7 53.9 94.4 (5.8) 10.8b Others 30.0 15.3 36.0 124.8 56.9 (49.2) 136.0 246.6 (54.4)
3 SHARE & OTHER INVESTMEN 2,449.8 3,203.2 3,337.9 1,891.9 1,786.4 30.8 4.2 (43.3) (5.6)4 LOANS & ADVANCES 59,921.2 76,986.8 87,002.3 83,561.6 83,135.3 28.5 13.0 (4.0) (0.5)
a. Private Sector 45,186.8 74,904.8 83,605.2 80,360.8 79,732.5 65.8 11.6 (3.9) (0.8)b. Financial Institutions 4,590.1 1,363.8 3,327.9 3,143.1 3,345.1 (70.3) 144.0 (5.6) 6.4c. Government Organizations 10,144.3 718.2 69.2 57.7 57.7 (92.9) (90.4) (16.6) (0.0)
5 BILL PURCHED 156.9 74.3 30.2 10.4 32.3 (52.7) (59.4) (65.5) 210.36 LOANS AGT. COLLECTED BILLS 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.07 FIXED ASSETS 2,678.2 3,734.9 4,333.7 4,363.6 4,402.8 39.5 16.0 0.7 0.98 OTHER ASSETS 2,892.6 3,342.9 4,828.0 7,958.3 7,266.6 15.6 44.4 64.8 (8.7)
a. Accrued Interests 867.6 1,041.1 2,009.2 4,186.8 3,644.1 20.0 93.0 108.4 (13.0) b. Others 2,025.1 2,301.8 2,818.8 3,771.4 3,622.5 13.7 22.5 33.8 (3.9)
9 Expenses not Written off 62.4 79.7 64.0 70.0 57.4 27.7 (19.7) 9.3 (18.0)10 Non Banking Assets 305.3 188.2 160.4 174.2 188.2 (38.4) (14.8) 8.6 8.111 Reconcillation Account 1,080.2 1,428.0 1,401.7 1,494.2 1,418.5 32.2 (1.8) 6.6 (5.1)12 Profit & Loss A/c 661.1 228.0 2,561.1 1,761.5 2,140.6 (65.5) 1023 (31.2) 21.5
87,430.1 112,208.5 126,617.0 124,847.1 126,496.3 28.3 12.8 (1.4) 1.3
Rs in million
Percentage changes
Statement of Assets and Liabilities of Finance Companie
TOTAL
Liabilities Mid July
TOTALAssets
6
Rs. In million
Liabilities Class "A" Class "B" Class "C" Total1 CAPITAL FUND 66,636.7 22,587.1 19,559.5 108,783.3 a. Paid‐up Capital 60,348.2 21,352.2 19,724.1 101,424.5
b. Calls in Advance 138.1 186.0 324.1 c. General Reserves 17,602.3 1,484.3 2,052.3 21,139.0
d. Share Premium 248.4 69.4 78.6 396.4e. Retained Earning ‐23,227.2 ‐801.2 ‐2,737.9 ‐26,766.3f. Others Reserves Fund 10,849.0 341.1 256.4 11,446.5g. Exchange Fluctuation Fund 816.0 3.1 819.1
2 BORROWINGS 15,940.7 2,110.6 2,302.0 20,353.3 a. NRB 4,093.3 253.3 9.0 4,355.6
b. "A"Class Licensed Institution 3,010.4 1,054.7 1,723.4 5,788.5c. Foreign Banks and Fin. Ins. 2,119.1 359.8 2,478.8d. Other Financial Ins. 690.1 371.1 569.6 1,630.7e. Bonds and Securities 6,027.8 71.8 6,099.6
3 DEPOSITS 761,247.1 106,276.5 85,200.4 952,724.0a. Current 73,037.4 2,034.8 92.0 75,164.2 Domestic 62,573.5 2,024.8 92.0 64,690.3 Foreign 10,463.9 9.9 10,473.9b. Savings 257,533.6 50,491.7 36,066.1 344,091.5 Domestic 252,119.4 50,429.5 36,066.1 338,615.0 Foreign 5,414.2 62.2 5,476.4c. Fixed 287,339.2 32,230.5 43,838.9 363,408.6 Domestic 254,544.9 31,883.2 43,838.9 330,267.0 Foreign 32,794.3 347.3 33,141.6d. Call Deposits 134,876.3 20,889.1 1,307.2 157,072.6e. Others 8,460.5 630.5 3,896.2 12,987.2
4 Bills Payable 764.7 12.7 6.4 783.85 Other Liabilities 94,097.5 13,789.9 17,439.2 125,326.6
1. Sundry Creditors 13,368.4 415.1 565.8 14,349.3 2. Loan Loss Provision 24,951.6 4,190.6 8,986.3 38,128.4 3. Interest Suspense a/c 24,452.9 3,655.5 3,460.8 31,569.1 4. Others 31,324.6 5,528.8 4,426.4 41,279.8
6 Reconcillation A/c ‐1,632.3 3,431.9 1,331.9 3,131.67 Profit & Loss A/c 5,718.8 813.2 657.0 7,189.0
942,773.2 149,022.0 126,496.3 1,218,291.5TOTAL LIABILITIES
Statement of Assets and Liabilitiesas on Poush End, 2068
7
Assets Class "A" Class "B" Class "C" Total1 LIQUID FUNDS 135,829.6 34,247.0 23,558.8 193,635.3
a. Cash Balance 19,392.5 2,907.2 1,338.1 23,637.8 Nepalese Notes & Coins 18,623.1 2,859.3 1,337.3 22,819.7 Foreign Currency 769.4 47.9 0.8 818.1b. Bank Balance 108,196.1 15,906.6 15,518.4 139,621.1 1. In Nepal Rastra Bank 87,387.3 4,084.5 3,973.5 95,445.3 Domestic Currency 86,621.7 4,076.3 3,973.5 94,671.6 Foreign Currency 765.6 8.1 0.0 773.8 2. "A"Class Licensed Institution 2,835.2 8,206.0 6,662.0 17,703.2 Domestic Currency 2,519.7 8,194.7 6,661.9 17,376.3 Foreign Currency 315.5 11.3 0.1 326.9 3. Other Financial Ins. 722.0 3,549.8 4,882.9 9,154.6 4. In Foreign Banks 17,251.6 66.4 17,317.9c. Money at Call 8,241.0 15,433.2 6,702.2 30,376.4 Domestic Currency 2,649.3 15,239.0 6,702.2 24,590.6 Foreign Currency 5,591.7 194.2 5,785.9
2 INVESTMENT IN SECURITIES 119,863.2 3,484.4 2,509.6 125,857.2a. Govt.Securities 118,860.3 3,471.1 2,452.7 124,784.1b. NRB Bond 172.5 5.0 177.5c. Govt.Non‐Fin. Ins. 270.8 270.8d. Other Non‐Fin Ins. 120.0 13.3 51.6 184.9e Non Residents 439.6 0.3 439.9
3 SHARE & OTHER INVESTMENT 43,480.4 2,413.3 1,786.4 47,680.1 a. Non Residents 33,256.4 135.8 45.8 33,438.0 b. Others 10,224.0 2,277.5 1,740.6 14,242.2
4 LOANS & ADVANCES 554,170.4 91,064.3 83,135.3 728,369.9 a. Private Sector 533,566.3 89,948.4 79,732.5 703,247.3 b. Financial Institutions 13,951.2 954.9 3,345.1 18,251.1 c. Government Organizations 6,652.9 161.0 57.7 6,871.5
5 BILL PURCHASED 7,132.9 27.0 32.3 7,192.2 a. Domestic Bills Purchased 584.5 27.0 32.3 643.7 b. Foreign Bills Purchased 1,770.6 1,770.6 c. Import Bills & Imports 4,777.8 4,777.8
6 LOANS AGAINST COLLECTED BILLS 416.2 416.2 a. Against Domestic Bills 103.0 103.0 b. Against Foreign Bills 313.2 313.2
7 FIXED ASSETS 17,571.6 4,035.0 4,402.8 26,009.48 OTHER ASSETS 76,159.2 8,676.2 7,266.6 92,102.0
a. Accrued Interest: 26,027.1 3,800.6 3,644.1 33,471.8 Financial Institutions 1,016.6 2,571.2 211.4 3,799.2
Government Enterprises 233.0 16.3 2.1 251.4 Private Sector 24,777.5 1,213.2 3,430.5 29,421.2 b. Staff Loans / Adv. 13,700.7 508.8 310.9 14,520.5 c. Sundry Debtors 12,528.9 764.1 541.0 13,834.0 d. Cash In Transit 738.5 5.7 0.9 745.1 e. Others 23,163.9 3,597.0 2,769.7 29,530.6
9 Expenses not Written off 402.6 92.0 57.4 551.910 Non Banking Assets 1,598.9 535.8 188.2 2,322.811 Reconcillation Account ‐14,627.6 3,420.5 1,418.5 ‐9,788.712 Profit & Loss A/c 775.8 1,027.0 2,140.6 3,943.3
942,773.2 149,022.4 126,496.3 1,218,291.9TOTAL ASSETS
8
Rs. In million
Expenses Class "A" Class "B" Class "C" Total 1 Interest Expenses 25,264.5 5,343.1 5,027.4 35,635.0 1.1 Deposit Liabilities 24,991.1 5,144.7 4,787.1 34,922.8 1.1.1 Saving A/c 6,470.0 2,133.8 1,675.9 10,279.7 1.1.2 Fixed A/c 13,487.6 2,034.2 2,991.6 18,513.4 1.1.2.1 Upto 3 Months Fixed A/c 908.5 107.4 138.5 1,154.4 1.1.2.2 3 to 6 Months fixed A/c 726.0 70.7 89.7 886.4 1.1.2.3 6 Months to 1 Year Fixed A/c 5,086.8 1,100.5 1,461.9 7,649.2 1.1.2.4 Above 1 Year 6,766.3 755.6 1,301.5 8,823.5 1.1.3 Call Deposit 5,030.3 976.7 119.4 6,126.4 1.1.4 Certificate of Deposits 3.1 0.0 0.1 3.3 1.2 Others 273.4 198.4 240.4 712.2 2 Commission/Fee Expense 153.9 2.9 1.1 157.9 3 Employees Expenses 4,925.4 744.7 492.5 6,162.6 4 Office Operatiing Expenses 4,093.2 902.6 576.3 5,572.1 5 Exchange Fluctuation Loss 14.6 11.7 26.3 5.1 Due to Change in Exchange Rates 0.5 11.7 12.2 5.2 Due to Foreign Currency Transactions 14.1 0.1 14.2 6 Non‐Operatiing Expenses 13.2 89.9 28.7 131.7 7. Provision for Risk 5,006.2 1,390.2 2,400.4 8,796.9 7.1 Loan loss Provision 4,827.2 898.8 2,324.8 8,050.8
7.1.1 General Loan loss Provision 1,320.8 102.6 148.8 1,572.1 7.1.2 Special Loan Loss Provision 3,466.5 794.7 2,147.3 6,408.5 7.1.3 Additional Loan Loss Provision 40.0 1.5 28.7 70.2
7.2. Provision for Non‐Banking Assets 17.4 454.4 50.1 521.8 7.3. Provision for Loss on Investment 110.7 35.6 25.6 171.8 7.4. Provision for Loss of Other Assets 51.0 1.5 52.5 8 Loan Written Off 183.7 0.0 22.9 206.6 9 Provision for Staff Bonus 632.5 80.7 50.1 763.310 Provision for Income Tax 1,850.2 231.1 151.6 2,232.911 Others 3.2 161.0 4.1 168.312 Net Profit 5,718.8 813.2 656.5 7,188.5
TOTAL EXPENSES 47,859.3 9,771.1 9,411.7 67,042.1
Income Class "A" Class "B" Class "C" Total 1. Interest Income 39,781.7 7,852.0 6,581.1 54,214.8 1.1. On Loans and Advance 35,467.4 6,606.0 5,690.3 47,763.7 1.2. On Investment 3,448.9 88.6 67.6 3,605.2 1.2.1 Government Bonds 3,103.0 73.7 57.7 3,234.5 1.2.2 Foreign Bonds 22.3 22.3 1.2.3 NRB Bonds 305.6 3.1 3.8 312.6 1.2.4 Deventure & Bonds 17.9 11.8 6.1 35.8 1.3 Agency Balance 243.9 66.8 71.9 382.7 1.4 On Call Deposit 212.2 847.6 413.0 1,472.7 1.5 Others 409.2 243.1 338.3 990.6 2. Comission & Discount 2,295.4 247.7 94.1 2,637.2 2.1 Bills Purchase & Discount 105.1 3.0 0.0 108.1 2.2 Comission 1,870.8 109.6 40.7 2,021.1 2.3 Others 319.5 135.0 53.4 508.0 3 Income From Exchange Fluctuation 1,332.3 12.4 12.6 1,357.3 3.1 Due to Change in Exchange Rate 458.6 1.4 12.6 472.5 3.2 Due to Foreign Currency Trans 873.8 11.0 884.8 4 Other Operating Income 1,190.3 324.1 222.0 1,736.4 5 Non Operating Income 103.6 84.0 25.2 212.7 6 Provision Written Back 1,759.6 222.5 318.2 2,300.3 7 Recovery from Written off Loan 380.1 0.9 12.3 393.4 8 Income from Extra Ordinary Expenses 240.3 0.6 240.9 9 Net Loss 775.8 1,027.0 2,146.0 3,948.7
TOTAL INCOME 47,859.3 9,771.1 9,411.5 67,041.9
Agregate Profit & Loss Account
9
Rs. In million
Sectorwise Class "A" Class "B" Class "C" Total1 Agricultural and Forest Related 17,570.3 2,918.3 1,652.3 22,141.02 Fishery Related 2,105.4 30.7 10.7 2,146.83 Mining Related 3,227.5 158.7 219.8 3,606.04 Manufacturing (Producing) Related 130,261.3 7,222.9 6,826.9 144,311.15 Construction 55,665.9 11,472.2 12,836.7 79,974.86 Electricity,Gas and Water 9,120.0 1,355.9 259.8 10,735.67 Metal Products, Machinary & Electronic Equipment
& Assemblage 7,679.8 1,415.8 1,205.1 10,300.88 Transport, Communication and Public Utilities 24,997.7 8,692.5 7,198.3 40,888.59 Wholesaler & Retailer 111,906.9 17,458.6 13,022.4 142,387.8
10 Finance, Insurance and Real Estate 61,394.6 8,370.8 9,926.0 79,691.411 Hotel or Restaurant 13,283.5 3,137.2 2,750.5 19,171.212 Other Services 25,495.1 5,338.2 3,920.7 34,753.913 Consumption Loans 34,367.2 5,404.8 6,019.4 45,791.414 Local Government 1,016.6 32.0 186.5 1,235.015 Others 63,627.8 15,204.0 17,132.5 95,964.3
TOTAL 561,719.6 88,212.6 83,167.6 733,099.8
Product wise Class "A" Class "B" Class "C" Total1 Term Loan 81,128.1 11,174.7 12,849.8 105,152.62 Overdraft 92,114.4 22,194.2 712.3 115,021.03 Trust Receipt Loan / Import Loan 32,998.1 210.1 33,208.24 Demand & Other Working Capital Loan 137,061.9 12,048.8 20,172.8 169,283.55 Residential Personal Home Loan (Up to Rs. 80 Lakh) 32,450.4 6,829.6 6,891.0 46,171.06 Real Estate Loan 67,152.2 11,601.4 15,417.3 94,170.97 Margin Nature Loan 6,434.1 1,894.2 2,324.8 10,653.18 Hire Purchase Loan 35,156.6 9,851.5 8,411.3 53,419.49 Deprived Sector Loan 20,505.1 3,172.8 1,963.7 25,641.6
10 Bills Purchased 7,251.1 27.0 32.3 7,310.311 Other Product 49,467.5 9,208.2 14,351.2 73,026.8
561,719.6 88,212.6 83,126.3 733,058.5
Collateral Wise Class "A" Class "B" Class "C" Total1 Gold and Silver 18,424.9 1,014.3 232.3 19,671.52 Government Securities 2,736.1 16.1 9.1 2,761.33 Non Governmental Securities 4,856.6 1,499.8 1,096.1 7,452.54 Fixed Deposit Receipts 7,172.2 1,454.0 2,854.5 11,480.7
4.1 Own 6,698.5 1,452.1 2,846.0 10,996.64.2 Other Licences Institutions 473.7 1.9 8.4 484.0
5 Collateral of Properties 472,649.6 79,694.4 75,347.9 627,691.95.1 Fixed Assets 380,891.9 79,199.8 74,783.0 534,874.75.2 Current Assets 91,757.6 494.5 565.0 92,817.2
6 Against security of Bill 9,614.7 26.9 0.1 9,641.66.1 Domestic Bills 475.0 26.9 0.1 502.06.2 Foreign Bills 9,139.6 9,139.6
7 Against Guarantee 11,152.2 1,473.9 963.0 13,589.17.1 Government Guarantee 2,122.2 71.1 85.8 2,279.17.2 Institutional Guarantee 5,884.3 467.3 410.0 6,761.67.3 Personal Guarantee 1,179.0 643.3 311.1 2,133.47.4 Collective Guarantee 40.9 281.6 15.5 338.17.5 International Rated Foreign Bank's Guarantee 125.3 10.0 135.37.6 Other Guarantee 1,800.5 0.5 140.6 1,941.6
8 Credit Card 405.5 405.59 Others 34,707.9 3,033.2 2,664.5 40,405.6
Total 561,719.6 88,212.6 83,167.6 733,099.8
TOTAL LOAN & ADVANCES
Agregate Statement of Sector wise, Product wise and Security wise Credit
10
No. % No. % No. % No. % % Per branchUrban 447 34.4% 185 29.4% 94 28.0% 726 32.1%
Rural 72 5.5% 123 19.6% 14 4.2% 209 9.2%
Total 519 39.9% 308 49.0% 108 32.1% 935 41.3% 50.2% 14279
Urban 272 20.9% 147 23.4% 72 21.4% 491 21.7%
Rural 32 2.5% 75 11.9% 10 3.0% 117 5.2%
Total 304 23.4% 222 35.3% 82 24.4% 608 26.8% 33.7% 14744
Urban 39 3.0% 10 1.6% 0 0.0% 49 2.2%
Rural 32 2.5% 11 1.7% 4 1.2% 47 2.1%
Total 71 5.5% 21 3.3% 4 1.2% 96 4.2% 6.7% 18702
Urban 393 30.2% 77 12.2% 140 41.7% 610 26.9%
Rural 13 1.0% 1 0.2% 2 0.6% 16 0.7%
Total 406 31.2% 78 12.4% 142 42.3% 626 27.6% 9.4% 4011
Urban 1151 88.5% 419 66.6% 306 91.1% 1876 82.8%
Rural 149 11.5% 210 33.4% 30 8.9% 389 17.2%
Total 1300 100.0% 629 100.0% 336 100.0% 2265 100.0% 100.0% 11753
Urban 196 15.1% 57 9.1% 37 11.0% 290 12.8%
Rural 31 2.4% 36 5.7% 5 1.5% 72 3.2%
Total 227 17.5% 93 14.8% 42 12.5% 362 16.0% 21.9% 16117
Urban 597 45.9% 191 30.4% 183 54.5% 971 42.9%
Rural 57 4.4% 54 8.6% 6 1.8% 117 5.2%
Total 654 50.3% 245 39.0% 189 56.3% 1088 48.0% 36.5% 8928
Urban 197 15.2% 123 19.6% 72 21.4% 392 17.3%
Rural 38 2.9% 90 14.3% 16 4.8% 144 6.4%
Total 235 18.1% 213 33.9% 88 26.2% 536 23.7% 18.6% 9226
Urban 91 7.0% 35 5.6% 13 3.9% 139 6.1%
Rural 12 0.9% 19 3.0% 2 0.6% 33 1.5%
Total 103 7.9% 54 8.6% 15 4.5% 172 7.6% 13.5% 20839
Urban 70 5.4% 13 2.1% 1 0.3% 84 3.7%
Rural 11 0.8% 11 1.7% 1 0.3% 23 1.0%
Total 81 6.2% 24 3.8% 2 0.6% 107 4.7% 9.6% 23770
Urban 1151 88.5% 419 66.6% 306 91.1% 1876 82.8%
Rural 149 11.5% 210 33.4% 30 8.9% 389 17.2%
Total 1300 100.0% 629 100.0% 336 100.0% 2265 100.0% 100.0% 11753
Total
Political Region wise
Eastern
Central
Western
Mid‐Western
Far‐Western
Population
Terai
Hill
Mountain
KV
Total
Geographical Distribution of Bank & Financial Institution Branches by Number
Geographical Region wise
Region Commercial Bank Development Bank Finance Company Total
11
Rs. in million
Amount % Amount % Amount % Amount %Urban 130,803 17.2% 27,332 25.7% 13,332 15.6% 171,467 18.0%
Rural 13,259 1.7% 10,946 10.3% 695 0.8% 24,901 2.6%
Total 144,062 18.9% 38,278 36.0% 14,028 16.5% 196,368 20.6%
Urban 62,813 8.3% 25,914 24.4% 14,566 17.1% 103,292 10.8%
Rural 4,187 0.5% 4,535 4.3% 811 1.0% 9,532 1.0%
Total 67,000 8.8% 30,448 28.7% 15,376 18.0% 112,825 11.8%
Urban 4,788 0.6% 412 0.4% ‐ 0.0% 5,200 0.5%
Rural 4,655 0.6% 733 0.7% 364 0.4% 5,752 0.6%
Total 9,443 1.2% 1,145 1.1% 364 0.4% 10,953 1.1%
Urban 536,665 70.5% 36,275 34.1% 55,317 64.9% 628,258 65.9%
Rural 4,185 0.5% 121 0.1% 109 0.1% 4,416 0.5%
Total 540,850 71.0% 36,397 34.2% 55,427 65.1% 632,673 66.4%
Urban 735,069 96.5% 89,933 84.6% 83,215 97.7% 908,218 95.3%
Rural 26,286 3.5% 16,336 15.4% 1,980 2.3% 44,601 4.7%
Total 761,355 100.0% 106,269 100.0% 85,195 100.0% 952,819 100.0%
Urban 49,476 6.5% 6,620 6.2% 2,237 2.6% 58,333 6.1%
Rural 5,769 0.8% 2,670 2.5% 381 0.4% 8,820 0.9%
Total 55,245 7.3% 9,291 8.7% 2,618 3.1% 67,153 7.0%
Urban 593,818 78.0% 52,427 49.3% 64,637 75.9% 710,882 74.6%
Rural 8,634 1.1% 3,066 2.9% 173 0.2% 11,873 1.2%
Total 602,452 79.1% 55,493 52.2% 64,810 76.1% 722,755 75.9%
Urban 61,577 8.1% 26,093 24.6% 15,368 18.0% 103,038 10.8%
Rural 6,882 0.9% 8,902 8.4% 1,254 1.5% 17,039 1.8%
Total 68,459 9.0% 34,995 32.9% 16,622 19.5% 120,076 12.6%
Urban 18,322 2.4% 3,171 3.0% 855 1.0% 22,348 2.3%
Rural 2,958 0.4% 1,106 1.0% 154 0.2% 4,218 0.4%
Total 21,281 2.8% 4,277 4.0% 1,009 1.2% 26,566 2.8%
Urban 11,876 1.6% 1,623 1.5% 118 0.1% 13,617 1.4%
Rural 2,042 0.3% 591 0.6% 18 0.0% 2,651 0.3%
Total 13,918 1.8% 2,214 2.1% 136 0.2% 16,268 1.7%
Urban 735,069 96.5% 89,933 84.6% 83,215 97.7% 908,218 95.3%
Rural 26,286 3.5% 16,336 15.4% 1,980 2.3% 44,601 4.7%
Total 761,355 100.0% 106,269 100.0% 85,195 100.0% 952,819 100.0%
Total
Terai
Hill
Mountain
KV
Total
Eastern
Central
Western
Mid‐Western
Far‐Western
Geographical Distribution of Deposit
RegionCommercial Bank Development Bank Finance Company Total
12
No. % No. % No. % No. %Urban 147,157 26.2% 23,345 25.6% 10,655 12.8% 181,156 24.6%
Rural 6,620 1.2% 7,317 8.0% 226 0.3% 14,163 1.9%
Total 153,777 27.4% 30,662 33.7% 10,880 13.1% 195,320 26.5%
Urban 41,085 7.3% 22,436 24.6% 12,994 15.6% 76,515 10.4%
Rural 1,483 0.3% 2,367 2.6% 418 0.5% 4,268 0.6%
Total 42,568 7.6% 24,803 27.2% 13,412 16.1% 80,783 11.0%
Urban 2,097 0.4% 223 0.2% ‐ 0.0% 2,320 0.3%
Rural 675 0.1% 352 0.4% 31 0.0% 1,058 0.1%
Total 2,773 0.5% 574 0.6% 31 0.0% 3,378 0.5%
Urban 361,214 64.3% 35,016 38.4% 58,717 70.6% 454,947 61.8%
Rural 1,359 0.2% 35 0.0% 128 0.2% 1,522 0.2%
Total 362,573 64.6% 35,051 38.5% 58,845 70.8% 456,469 62.0%
Urban 551,553 98.2% 81,019 88.9% 82,366 99.0% 714,938 97.1%
Rural 10,138 1.8% 10,072 11.1% 802 1.0% 21,011 2.9%
Total 561,691 100.0% 91,091 100.0% 83,168 100.0% 735,949 100.0%
Urban 60,324 10.7% 5,312 5.8% 1,848 2.2% 67,484 9.2%
Rural 2,316 0.4% 1,802 2.0% 36 0.0% 4,154 0.6%
Total 62,640 11.2% 7,114 7.8% 1,884 2.3% 71,638 9.7%
Urban 421,666 75.1% 49,905 54.8% 66,838 80.4% 538,409 73.2%
Rural 3,503 0.6% 2,173 2.4% 137 0.2% 5,813 0.8%
Total 425,169 75.7% 52,078 57.2% 66,975 80.5% 544,222 73.9%
Urban 46,929 8.4% 21,699 23.8% 12,989 15.6% 81,617 11.1%
Rural 3,361 0.6% 5,346 5.9% 598 0.7% 9,306 1.3%
Total 50,291 9.0% 27,045 29.7% 13,588 16.3% 90,923 12.4%
Urban 13,454 2.4% 2,821 3.1% 549 0.7% 16,825 2.3%
Rural 373 0.1% 448 0.5% 28 0.0% 849 0.1%
Total 13,827 2.5% 3,269 3.6% 577 0.7% 17,673 2.4%
Urban 9,180 1.6% 1,282 1.4% 141 0.2% 10,603 1.4%
Rural 584 0.1% 303 0.3% 3 0.0% 890 0.1%
Total 9,764 1.7% 1,584 1.7% 144 0.2% 11,493 1.6%
Urban 551,553 98.2% 81,019 88.9% 82,366 99.0% 714,938 97.1%
Rural 10,138 1.8% 10,072 11.1% 802 1.0% 21,011 2.9%
Total 561,691 100.0% 91,091 100.0% 83,168 100.0% 735,949 100.0%
Total
Terai
Hill
Mountain
KV
Total
Eastern
Central
Western
Mid‐Western
Far‐Western
Geographical Distribution of Credit
RegionCommercial bank Development Bank Finance Company Total
13
Zone/DistrictCommercial
BankDevelopment
BankFinance
CompanyTotal
Popn. per branch
Mechi 65 26 10 101 14192
Jhapa 47 23 8 78 10393
Ilam 11 1 0 12 24652
Panchthar 4 1 1 6 33060
Taplejung 3 1 1 5 25709
Koshi 115 59 23 197 11803
Sunsari 47 18 12 77 9755
Morang 49 29 9 87 11089
Dhankuta 5 5 1 11 14921
Terhathum 4 2 1 7 14530
Sankhuwasabha 7 4 0 11 14514
Bhojpur 3 1 0 4 45980
Sagarmatha 49 7 9 65 31932
Saptari 12 0 3 15 43083
Udayapur 12 3 1 16 20123
Siraha 15 0 4 19 33849
Khotang 2 1 0 3 69710
Okhaldhunga 2 1 0 3 49440
Solukhumbu 6 2 1 9 11864
Janakpur 61 25 8 94 30549
Sarlahi 12 7 1 20 38432
Dhanusha 21 2 5 28 27443
Mahottari 10 3 1 14 46172
Dolakha 9 6 0 15 12546
Ramechhap 4 1 1 6 34219
Sindhuli 5 6 0 11 26784
Narayani 121 93 32 246 12167
Bara 16 4 2 22 31865
Rautahat 9 5 0 14 49730
Parsa 36 15 6 57 10556
Chitawan 43 57 17 117 4843
Makawanpur 17 12 7 36 11875
Bagmati 470 128 150 748 5146
Kathmandu 308 59 116 483 3605
Bhaktapur 29 8 9 46 6588
Lalitpur 69 11 16 96 4862
Rasuwa 4 0 0 4 10950
Dhading 13 13 0 26 12933
Sindhupalchok 18 9 1 28 10338
Kavre 21 23 7 51 7646
Nuwakot 8 5 1 14 19912
Gandaki 102 94 46 242 6422
Lamjung 9 7 3 19 8900
Tanahu 18 14 4 36 9183
Gorkha 12 8 1 21 12828
District-wise Distribution of Bank & Financial Institutions Branches
14
Zone/DistrictCommercial
BankDevelopment
BankFinance
CompanyTotal
Popn. per branch
Manang 2 0 0 2 3264
Syangja 10 12 3 25 11522
Kaski 51 53 35 139 3528
Lumbini 107 108 30 245 11618
Gulmi 5 11 0 16 17724
Nawalparasi 15 24 5 44 14450
Palpa 8 6 2 16 16836
Arghakhanchi 8 3 1 12 16704
Rupandehi 60 58 19 137 6472
Kapilbastu 11 6 3 20 28531
Dhaulagiri 26 11 11 48 11346
Baglung 12 3 6 21 12858
Parbat 5 4 1 10 14708
Mustang 3 0 1 4 3450
Myagdi 6 4 3 13 8749
Rapti 35 24 9 68 21684
Rolpa 2 0 1 3 75692
Dang 25 16 6 47 11869
Rukum 2 1 1 4 52720
Salyan 3 0 1 4 60894
Pyuthan 3 7 0 10 23517
Karnali 13 0 0 13 30260
Jumla 4 0 0 4 27184
Mugu 2 0 0 2 27656
Humla 3 0 0 3 17003
Kalikot 2 0 0 2 70810
Dolpa 2 0 0 2 18351
Bheri 55 30 6 91 18862
Dailekh 5 0 1 6 43973
Surkhet 12 7 0 19 18953
Jajarkot 2 0 0 2 86283
Bardiya 8 6 0 14 30496
Banke 28 17 5 50 9860
Seti 51 11 2 64 24561
Bajhang 2 0 0 2 98139
Doti 6 1 0 7 30261
Bajura 2 0 0 2 67753
Kailali 38 8 2 48 16047
Achham 3 2 0 5 51604
Mahakali 30 13 0 43 22592
Darchula 2 0 0 2 66732
Baitadi 5 1 0 6 42019
Dadeldhura 6 2 0 8 17693
Kanchanpur 17 10 0 27 16456
Total 1300 629 336 2265 11753
15
Rs. in million
Current Saving Fixed Other TotalMechi 14,669.4 1,827.3 9,215.6 2,494.8 2,545.8 16,083.5 91.2%
Jhapa 13,218.4 1,138.8 7,296.0 2,079.1 2,207.5 12,721.4 103.9%
Ilam 962.9 240.0 1,100.3 300.8 219.4 1,860.5 51.8%
Panchthar 349.6 191.6 431.6 43.4 64.5 731.2 47.8%
Taplejung 138.5 256.9 387.6 71.5 54.4 770.5 18.0%
Koshi 52,860.1 3,449.0 19,681.8 10,100.4 6,371.7 39,603.0 133.5%
Sunsari 18,544.4 1,208.2 8,631.3 2,904.0 1,696.8 14,440.4 128.4%
Morang 32,603.2 1,646.7 9,216.6 6,500.6 4,512.5 21,876.4 149.0%
Dhankuta 721.1 247.4 801.3 174.8 72.1 1,295.6 55.7%
Terhathum 224.7 86.3 293.0 70.5 15.3 465.2 48.3%
Sankhuwasabha 602.3 143.6 449.2 388.8 67.6 1,049.2 57.4%
Bhojpur 164.4 116.7 290.5 61.6 7.4 476.2 34.5%
Sagarmatha 4,687.4 1,805.9 8,276.9 1,290.7 559.0 11,932.5 39.3%
Saptari 1,370.5 444.7 2,557.5 374.1 159.8 3,536.0 38.8%
Udayapur 944.8 271.0 926.8 237.2 74.4 1,509.3 62.6%
Siraha 1,680.6 611.1 3,577.9 273.9 221.5 4,684.3 35.9%
Khotang 232.8 173.3 352.1 49.4 35.4 610.2 38.1%
Okhaldhunga 150.7 110.1 313.5 68.2 7.0 498.8 30.2%
Solukhumbu 308.1 195.7 549.2 287.9 61.0 1,093.8 28.2%
Janakpur 10,666.4 2,344.8 12,652.7 2,978.4 1,816.5 19,792.5 53.9%
Sarlahi 1,713.9 509.1 1,696.6 206.8 213.1 2,625.6 65.3%
Dhanusha 5,377.2 740.5 7,137.3 1,772.0 774.8 10,424.5 51.6%
Mahottari 1,777.6 361.1 1,962.3 342.4 312.5 2,978.4 59.7%
Dolakha 596.6 196.3 791.4 421.6 342.2 1,751.5 34.1%
Ramechhap 328.3 247.9 454.3 98.6 23.9 824.7 39.8%
Sindhuli 872.8 290.0 610.8 137.0 150.0 1,187.8 73.5%
Narayani 63,477.1 5,812.6 25,444.5 14,767.5 7,531.3 53,555.9 118.5%
Bara 2,903.8 704.3 1,832.9 312.5 312.9 3,162.5 91.8%
Rautahat 1,311.5 444.8 1,491.5 209.7 210.2 2,356.2 55.7%
Parsa 32,912.1 1,818.7 6,048.1 5,234.2 3,338.9 16,440.0 200.2%
Chitawan 20,175.1 1,730.0 12,899.5 7,082.3 2,581.0 24,292.9 83.0%
Makawanpur 6,174.5 1,114.8 3,172.5 1,928.8 1,088.3 7,304.5 84.5%
Bagmati 470,155.6 54,502.3 182,207.7 299,158.3 113,835.5 649,703.8 72.4%
Kathmandu 423,683.2 43,425.9 147,751.9 271,114.1 101,056.2 563,348.2 75.2%
Bhaktapur 5,467.1 1,079.5 6,350.6 4,267.6 2,555.5 14,253.2 38.4%
Lalitpur 27,317.8 8,191.7 21,152.7 19,065.9 6,652.3 55,062.6 49.6%
Rasuwa 167.7 106.7 98.0 52.8 5.3 262.8 63.8%
Dhading 1,225.0 376.5 1,008.7 201.5 107.3 1,694.0 72.3%
Sindhupalchok 877.1 327.5 871.9 287.1 261.2 1,747.6 50.2%
Kavre 10,329.4 654.6 4,201.7 3,953.3 3,078.4 11,888.1 86.9%
Nuwakot 1,088.3 339.9 772.2 216.0 119.2 1,447.3 75.2%
Gandaki 46,199.7 3,151.4 30,073.7 15,157.1 9,571.9 57,954.1 79.7%
Lamjung 1,475.9 216.9 1,332.4 262.8 75.8 1,887.9 78.2%
Tanahu 3,115.3 390.1 2,832.3 701.0 458.9 4,382.3 71.1%
District-wise Distribution of Deposit and Credit
Zone/DistrictTotal Loan &
AdvancesDeposit
C/D Ratio
16
Current Saving Fixed Other TotalZone/District
Total Loan & Advances
DepositC/D Ratio
Gorkha 1,298.7 246.2 1,233.6 427.0 111.3 2,018.2 64.3%
Manang 41.5 60.7 48.1 9.7 1.6 120.1 34.6%
Syangja 2,106.6 293.6 2,068.4 565.9 179.8 3,107.7 67.8%
Kaski 38,161.7 1,943.8 22,558.9 13,190.7 8,744.5 46,437.9 82.2%
Lumbini 39,826.2 4,233.4 31,145.4 10,775.4 8,694.0 54,848.2 72.6%
Gulmi 1,180.7 252.4 1,972.5 403.0 90.3 2,718.2 43.4%
Nawalparasi 4,143.6 523.8 3,553.5 614.5 469.0 5,160.8 80.3%
Palpa 1,313.0 340.9 2,138.2 827.2 295.0 3,601.3 36.5%
Arghakhanchi 399.0 205.2 1,092.6 246.2 68.3 1,612.3 24.7%
Rupandehi 31,253.9 2,560.9 19,898.1 8,232.6 7,573.2 38,264.7 81.7%
Kapilbastu 1,536.0 350.2 2,490.4 451.9 198.2 3,490.8 44.0%
Dhaulagiri 4,241.2 785.6 3,600.5 1,333.1 791.5 6,510.7 65.1%
Baglung 1,971.5 328.1 1,571.6 607.0 311.3 2,818.1 70.0%
Parbat 921.0 175.2 886.1 270.8 125.1 1,457.4 63.2%
Mustang 136.4 67.7 519.1 193.4 44.5 824.8 16.5%
Myagdi 1,212.2 214.5 623.6 261.8 310.6 1,410.5 85.9%
Rapti 6,043.8 1,359.5 5,769.2 1,211.1 789.2 9,128.9 66.2%
Rolpa 95.2 165.9 312.0 26.9 7.6 512.3 18.6%
Dang 5,341.6 575.1 4,506.6 1,007.5 649.5 6,738.6 79.3%
Rukum 111.9 237.7 251.2 59.3 28.2 576.4 19.4%
Salyan 129.2 145.9 186.5 41.4 8.7 382.5 33.8%
Pyuthan 365.8 234.9 512.9 76.1 95.2 919.1 39.8%
Karnali 374.2 736.9 1,104.7 132.5 116.3 2,090.5 17.9%
Jumla 238.3 194.4 488.6 53.5 101.8 838.2 28.4%
Mugu 37.9 120.5 139.2 15.2 2.6 277.4 13.7%
Humla 31.8 105.1 223.2 19.0 5.3 352.7 9.0%
Kalikot 30.6 172.8 172.1 28.6 6.5 379.9 8.1%
Dolpa 35.5 144.2 81.6 16.3 0.2 242.2 14.7%
Bheri 11,255.4 2,268.3 8,914.5 2,178.4 1,985.7 15,347.0 73.3%
Dailekh 109.9 120.6 219.0 45.6 5.2 390.5 28.1%
Surkhet 2,247.3 446.5 1,870.0 540.8 380.7 3,238.0 69.4%
Jajarkot 30.7 168.8 78.6 23.5 3.9 274.8 11.2%
Bardiya 781.9 264.5 1,136.3 137.0 90.3 1,628.1 48.0%
Banke 8,085.7 1,267.9 5,610.6 1,431.5 1,505.6 9,815.6 82.4%
Seti 7,256.6 1,615.9 5,771.7 1,376.4 920.1 9,684.2 74.9%
Bajhang 36.1 175.2 209.8 53.0 3.2 441.2 8.2%
Doti 247.1 348.2 359.7 108.8 23.2 839.9 29.4%
Bajura 37.9 103.4 150.0 22.9 3.5 279.8 13.5%
Kailali 6,857.1 738.6 4,743.1 1,125.9 882.4 7,489.9 91.6%
Achham 78.3 250.4 309.2 65.9 7.9 633.4 12.4%
Makakali 4,236.2 1,128.4 4,087.9 845.9 521.5 6,583.7 64.3%
Darchula 74.2 225.0 313.2 40.2 4.8 583.1 12.7%
Baitadi 165.8 228.6 339.2 119.5 25.8 713.2 23.2%
Dadeldhura 264.6 245.8 633.7 123.9 43.2 1,046.6 25.3%
Kanchanpur 3,731.7 429.0 2,801.9 562.3 447.6 4,240.8 88.0%
Total 735,949.2 85,021.4 347,946.8 363,800.2 156,050.2 952,818.5 77.2%
17
Statement of Assets and Liabilities as on Poush end 2068
Rs. in million
Liabilities NBL
RBB
NAB
IL
NIB
L
SCBN
L
HBL
NSB
I
NBB
L
EBL
BOK
NCC
1 CAPITAL FUND ‐4605.00 ‐8373.74 4566.29 5161.32 3677.78 4335.53 2879.29 2251.17 3113.53 2435.19 1744.24 a. Paid‐up Capital 380.00 1172.30 2029.77 3012.92 1610.17 2400.00 2102.97 2009.40 1391.57 1604.19 1400.00
b. Calls in Advance c. General Reserves 1609.00 2725.35 1836.50 1324.53 1636.33 1191.42 475.78 956.84 803.45 585.31 342.26
d. Share Premium 0.07 11.85 49.66 35.87 14.78 0.08e. Retained Earning ‐7253.00 ‐13489.57 493.39 255.54 96.66 372.98 2.85 ‐991.19 36.09 13.37 ‐40.51f. Others Reserves Fund 591.00 1122.28 109.05 519.28 75.43 341.35 237.75 181.35 844.74 195.33 41.52g. Exchange Fluctuation Fund 68.00 95.90 97.50 37.19 259.19 29.77 10.28 58.91 22.90 37.00 0.89
2 BORROWINGS 2043.00 2784.04 561.84 1269.19 911.00 200.00 300.00 1150.00 a. NRB 2670.56 219.19
b. "A"Class Licensed Institution 261.84 950.00c. Foreign Banks and Fin. Ins. 2043.00d. Other Financial Ins. 113.48 411.00e. Bonds and Securities 300.00 1050.00 500.00 200.00 300.00 200.00
3 DEPOSITS 48709.00 75313.54 55618.89 52355.15 37709.27 45793.20 50753.56 12932.71 45066.48 23220.00 13017.26a. Current 8629.00 14868.05 5852.19 4540.50 11627.92 3914.16 3616.87 762.11 5081.35 2379.61 510.66 Domestic 8421.00 14822.80 4173.77 3785.98 6143.33 3045.54 3059.56 708.07 5000.85 2211.76 497.75 Foreign 208.00 45.25 1678.42 754.51 5484.59 868.62 557.31 54.04 80.50 167.85 12.92b. Savings 28722.00 40396.83 15444.00 15418.34 14027.00 19124.06 8808.70 6194.21 14852.06 7310.61 5414.45 Domestic 28712.00 40390.85 14292.98 14834.56 11997.99 18454.55 8748.99 6177.32 14758.78 7078.16 5297.93 Foreign 10.00 5.98 1151.01 583.79 2029.01 669.51 59.71 16.89 93.28 232.46 116.52c. Fixed 9068.00 17367.68 18337.37 20006.68 6155.26 14039.82 34197.77 2700.29 16880.80 9238.52 4434.55 Domestic 9061.00 17367.68 16776.88 18444.78 4889.82 12988.95 16549.52 2606.64 16613.03 7840.60 4352.20 Foreign 7.00 1560.49 1561.89 1265.44 1050.87 17648.26 93.65 267.77 1397.92 82.35d. Call Deposits 1727.00 2039.92 15314.96 11691.30 5192.23 7820.13 3952.33 3051.95 7515.47 3977.55 2528.12e. Others 563.00 641.06 670.38 698.33 706.86 895.03 177.89 224.16 736.80 313.70 129.48
4 Bills Payable 37.00 19.06 119.30 5.35 46.97 92.66 115.53 11.56 144.55 21.42 5.815 Other Liabilities 10739.00 21050.02 6959.14 4438.14 2384.89 3003.25 1809.58 5046.56 1230.88 1363.85 1936.14
1. Sundry Creditors 4501.00 642.50 2882.66 557.83 333.13 86.31 518.61 147.77 113.03 132.02 102.15 2. Loan Loss Provision 2348.00 3996.81 1199.32 949.12 263.50 1526.96 370.88 1868.76 639.02 529.84 356.23 3. Interest Suspense a/c 3403.00 14235.28 276.90 351.51 184.72 763.50 157.21 1107.08 128.08 36.42 139.29 4. Others 487.00 2175.43 2600.27 2579.68 1603.55 626.49 762.88 1922.96 350.75 665.57 1338.47
6 Reconcillation A/c ‐2087.00 16.37 42.69 0.00 13.02 10.207 Profit & Loss A/c 553.33 658.66 478.74 555.17 339.99 204.70 147.64 487.03 270.22 107.94
54836.00 91346.25 68484.12 63724.25 44374.08 54518.32 55962.67 20402.67 50352.68 28460.67 16811.39
Assets1 LIQUID FUNDS 18692.00 13988.36 5270.46 10119.85 7278.66 4054.59 12259.06 2336.02 6354.19 2146.92 1692.65
a. Cash Balance 1491.00 1653.29 684.68 1223.51 513.83 606.24 1087.00 701.21 1590.13 450.16 425.63 Nepalese Notes & Coins 1436.00 1582.56 649.72 1159.32 449.10 532.88 1058.12 684.74 1563.40 442.01 413.04 Foreign Currency 55.00 70.73 34.96 64.18 64.72 73.36 28.87 16.47 26.73 8.15 12.59b. Bank Balance 17201.00 12135.07 3977.54 8796.34 3135.92 3371.93 11172.06 1634.81 4764.06 1696.76 1267.02 1. In Nepal Rastra Bank 15657.00 11695.82 3639.20 7698.81 2337.73 2418.92 3063.77 1422.23 4472.96 1219.58 887.41 Domestic Currency 15595.00 11636.64 3622.71 7601.86 2263.96 2350.63 3000.44 1416.85 4454.88 1192.57 886.09 Foreign Currency 62.00 59.18 16.49 96.95 73.77 68.30 63.33 5.38 18.08 27.01 1.32 2. "A"Class Licensed Institution 786.00 86.35 87.57 73.63 52.04 139.19 45.37 31.91 44.79 91.77 98.19 Domestic Currency 785.00 86.35 87.57 73.60 52.04 121.94 40.25 31.06 43.61 88.11 96.66 Foreign Currency 1.00 0.04 17.25 5.13 0.85 1.18 3.66 1.53 3. Other Financial Ins. 0.72 4. In Foreign Banks 758.00 352.90 250.76 1023.90 746.16 813.82 8062.92 179.95 246.31 385.41 281.42c. Money at Call 200.00 608.24 100.00 3628.91 76.42 Domestic Currency 200.00 100.00 58.00 Foreign Currency 608.24 3628.91 18.42
2 INVESTMENT IN SECURITIES 7060.00 18594.91 7665.28 4170.70 11608.74 10629.01 5238.26 3358.59 5248.55 5459.53 2951.96a. Govt.Securities 7060.00 18382.59 7460.11 4170.70 11600.25 10629.01 5238.26 3358.59 5248.55 5459.53 2851.96b. NRB Bond c. Govt.Non‐Fin. Ins. 212.32 8.49d. Other Non‐Fin Ins. 100.00e Non Residents 205.16
3 SHARE & OTHER INVESTMENT 2300.00 3129.78 7037.23 4121.63 4457.73 1103.95 13026.59 222.14 890.48 318.67 224.43 a. Non Residents 2024.00 5034.34 3831.56 4348.31 932.97 12986.94 82.30 780.90 245.40 79.94 b. Others 276.00 3129.78 2002.89 290.07 109.43 170.98 39.65 139.84 109.58 73.27 144.49
4 LOANS & ADVANCES 27444.00 36388.26 41498.84 41054.21 18050.96 32886.53 23089.33 10672.92 36227.58 17840.05 9808.05 a. Private Sector 27444.00 36037.71 40384.07 39845.96 16467.19 32886.53 22522.59 10395.31 29187.48 17132.07 9451.71 b. Financial Institutions 322.73 834.78 700.41 1444.96 566.73 181.20 4477.45 558.12 244.50 c. Government Organizations 27.82 279.99 507.85 138.81 96.41 2562.65 149.86 111.84
5 BILL PURCHASED 13.00 75.52 29.77 199.85 1072.52 2168.62 112.75 72.36 41.76 1297.73 13.18 a. Domestic Bills Purchased 55.28 74.40 0.07 89.08 28.21 5.34 b. Foreign Bills Purchased 11.00 20.24 29.77 26.60 1072.44 44.26 112.75 44.15 36.42 31.90 13.18 c. Import Bills & Imports 2.00 98.86 2035.28 1265.83
6 LOANS AGAINST COLLECTED BILLS 87.85 15.20 a. Against Domestic Bills 87.85 15.20 b. Against Foreign Bills
7 FIXED ASSETS 382.00 1012.23 901.15 1113.14 498.21 1221.67 1073.77 306.95 578.97 929.49 503.548 OTHER ASSETS 9982.00 20612.76 5993.54 2944.87 1381.53 2342.77 1155.89 3106.55 959.36 449.15 1044.06
a. Accrued Interest: 3400.00 14196.92 547.83 429.72 437.03 925.08 306.13 1159.74 131.36 147.59 167.11 b. Staff Loans / Adv. 1921.00 3092.68 766.29 119.11 206.90 799.23 204.28 325.49 716.64 72.27 142.62 c. Sundry Debtors 321.00 1009.03 2573.57 130.54 203.63 328.25 38.65 25.37 74.01 98.31 d. Cash In Transit 552.00 147.85 0.00 3.50 e. Others 3788.00 2166.28 2105.85 2265.49 533.97 618.46 317.23 1582.66 85.99 151.77 636.03
9 Expenses not Written off 41.00 0.11 25.72 102.87 7.04 1.2810 Non Banking Assets 367.00 134.93 8.31 325.87 51.79 3.94 469.9011 Reconcillation Account ‐12168.00 ‐2590.61 103.6212 Profit & Loss A/c 723.00
54836.00 91346.25 68484.12 63724.25 44374.08 54518.32 55962.67 20402.67 50352.68 28460.67 16811.39
TOTAL LIABILITIES
TOTAL ASSETS
18
Statement of Assets and Liabilities as on Poush end 2068
Rs. in million
Liabilities
1 CAPITAL FUND a. Paid‐up Capital
b. Calls in Advance c. General Reserves
d. Share Premiume. Retained Earningf. Others Reserves Fundg. Exchange Fluctuation Fund
2 BORROWINGS a. NRB
b. "A"Class Licensed Institutionc. Foreign Banks and Fin. Ins.d. Other Financial Ins.e. Bonds and Securities
3 DEPOSITSa. Current Domestic Foreignb. Savings Domestic Foreignc. Fixed Domestic Foreignd. Call Depositse. Others
4 Bills Payable5 Other Liabilities
1. Sundry Creditors 2. Loan Loss Provision 3. Interest Suspense a/c 4. Others
6 Reconcillation A/c7 Profit & Loss A/c
Assets1 LIQUID FUNDS
a. Cash Balance Nepalese Notes & Coins Foreign Currencyb. Bank Balance 1. In Nepal Rastra Bank Domestic Currency Foreign Currency 2. "A"Class Licensed Institution Domestic Currency Foreign Currency 3. Other Financial Ins. 4. In Foreign Banksc. Money at Call Domestic Currency Foreign Currency
2 INVESTMENT IN SECURITIESa. Govt.Securities b. NRB Bond c. Govt.Non‐Fin. Ins. d. Other Non‐Fin Ins.e Non Residents
3 SHARE & OTHER INVESTMENT a. Non Residents b. Others
4 LOANS & ADVANCES a. Private Sector b. Financial Institutions c. Government Organizations
5 BILL PURCHASED a. Domestic Bills Purchased b. Foreign Bills Purchased c. Import Bills & Imports
6 LOANS AGAINST COLLECTED BILLS a. Against Domestic Bills b. Against Foreign Bills
7 FIXED ASSETS8 OTHER ASSETS
a. Accrued Interest: b. Staff Loans / Adv. c. Sundry Debtors d. Cash In Transit e. Others
9 Expenses not Written off10 Non Banking Assets11 Reconcillation Account12 Profit & Loss A/c
TOTAL LIABILITIES
TOTAL ASSETS
NIC
LBL
MBL
Kum
ari
Laxm
i
SBL
ADBN
L
Glo
bal
Citiz
ens
Prim
e
BOA
Sunr
ise
DCB
L
1930.21 1849.17 1783.39 2360.47 2113.86 1988.40 13270.27 1709.48 2233.91 2486.86 2154.44 2146.06 2117.881311.55 1430.00 1627.20 1485.00 1613.52 1618.26 9474.30 1601.45 2101.84 2245.75 2000.00 2015.00 2000.00
409.68 330.84 129.28 235.44 230.03 228.84 1644.68 77.10 108.51 171.17 96.75 66.67 115.1941.87 5.28 4.44 13.07 2.97 25.96 32.41
0.03 20.89 17.72 17.65 11.27 32.50 ‐3129.43 0.27 9.22 65.53 19.55 28.80 0.82153.21 60.34 611.55 234.60 101.46 5271.50 13.89 10.55 4.34 1.90 0.30 0.09
13.86 1.83 9.19 6.38 11.37 7.34 9.22 16.76 0.81 0.08 10.28 2.88 1.79339.74 431.33 478.13 350.00 373.86 2537.96 324.40 541.60 82.20
426.70 10.00 117.38 10.00 541.60139.74 4.63 78.13 15.00 314.40 82.20
76.0945.00 120.59
200.00 400.00 350.00 227.77 2300.0019416.19 7006.94 17347.34 20091.09 19736.75 23262.80 37947.59 17498.43 15588.45 21154.90 14297.42 16446.03 11739.58
1981.43 323.79 490.46 700.61 752.70 503.39 2740.45 623.94 491.51 469.30 204.35 418.33 196.741967.84 285.71 470.42 680.97 665.28 390.20 2719.86 538.94 479.68 462.77 196.99 373.19 192.54
13.60 38.08 20.04 19.63 87.42 113.19 20.59 85.00 11.83 6.53 7.36 45.14 4.204074.17 2107.71 6803.80 4940.14 3762.34 4264.19 18985.81 4745.66 3572.34 2386.36 2704.40 5741.55 1315.464037.37 2093.28 6783.47 4870.66 3603.16 4238.18 18985.81 4695.52 3554.19 2378.54 2701.54 5730.36 1306.02
36.81 14.43 20.32 69.48 159.18 26.01 50.15 18.15 7.82 2.86 11.19 9.448726.74 3707.00 5320.31 8321.49 9776.51 10872.59 16175.77 8575.19 8918.89 8312.65 7708.07 6881.50 5444.608476.54 3694.67 5149.99 7661.89 8361.44 9968.39 16175.77 8096.23 8672.29 8032.32 7166.71 6306.10 5115.63
250.21 12.33 170.32 659.60 1415.07 904.20 478.96 246.60 280.33 541.36 575.40 328.974515.57 827.58 4581.56 5959.06 5153.84 7316.49 35.22 3227.83 2532.52 9842.06 3621.82 3156.30 4581.05
118.26 40.87 151.21 169.79 291.36 306.14 10.35 325.81 73.18 144.53 58.78 248.35 201.7318.86 2.85 6.52 30.99 2.19 13.58 13.34 5.76 21.11 4.78 0.62
988.18 536.97 959.68 1616.16 1412.21 1500.37 17465.15 1451.85 958.62 984.26 1890.61 1331.79 551.54293.57 119.15 10.42 544.50 81.14 437.65 950.74 754.11 0.20 11.45 3.67300.29 150.50 260.85 504.15 220.05 361.62 6202.70 473.04 252.14 361.69 182.87 516.08 208.65
61.02 73.78 245.41 187.78 53.27 104.33 1970.42 76.42 108.66 81.41 103.65 214.00 82.67333.30 193.55 443.01 379.73 1057.74 596.77 8341.30 148.28 597.61 529.71 1604.10 598.05 260.22
11.87 1.34 380.36 ‐21.13209.98 56.26 5.79 25.13 176.83 93.19 688.27 104.95 113.52 70.31 116.06 38.55 127.07
22915.03 9452.19 20535.39 24601.97 23791.84 27218.63 72289.60 20778.30 19232.23 25243.68 18479.65 20049.41 14515.56
2019.00 1382.23 3077.46 3067.52 3681.91 4106.27 6363.16 1661.11 4879.76 4976.78 1311.75 3844.18 2483.81372.82 204.18 925.06 465.83 317.64 490.67 1588.31 398.16 561.52 827.96 252.72 551.33 400.42359.06 197.65 886.41 446.62 289.70 460.15 1588.22 379.23 544.37 809.47 245.45 539.67 359.08
13.76 6.53 38.65 19.21 27.94 30.52 0.10 18.93 17.15 18.49 7.27 11.65 41.341346.19 1178.05 2152.41 2255.39 3364.27 2923.57 4774.85 1262.96 4110.50 3573.38 894.43 3073.76 2083.401186.73 1069.64 1947.84 1968.54 2481.45 2656.28 4102.54 867.51 3843.12 2986.08 774.79 2607.15 1554.741178.92 1058.28 1917.15 1955.80 2439.41 2634.83 4102.54 850.80 3833.85 2974.53 758.03 2593.21 1552.51
7.81 11.35 30.68 12.74 42.04 21.45 16.71 9.28 11.55 16.76 13.95 2.2466.18 35.76 127.34 42.74 141.00 187.06 28.32 46.84 71.26 36.06 75.91 101.2365.72 35.44 123.62 40.65 124.12 21.48 24.68 42.96 70.52 35.39 75.26 99.57
0.46 0.32 3.72 2.08 16.88 165.58 3.64 3.88 0.74 0.68 0.65 1.665.59 637.58 76.47
93.28 72.65 71.64 244.12 741.82 80.22 34.73 367.13 220.55 516.04 83.57 390.70 350.96300.00 346.29 692.04 207.74 575.44 164.60 219.09300.00 535.00 193.75 289.87 138.71
346.29 157.04 13.99 285.57 164.60 80.394244.77 832.66 1546.77 2649.18 1403.12 1506.02 8617.40 2757.06 575.27 570.32 2381.69 1075.74 1492.104010.31 832.66 1546.77 2649.18 1353.12 1506.02 8617.40 2757.06 575.27 570.32 2381.69 1075.74 1319.61
172.4950.00
234.4630.17 87.79 285.35 302.20 992.01 478.50 348.80 315.29 254.95 216.22 887.36 391.83 169.92
82.20 196.55 206.13 500.51 186.33 297.79 226.59 6.02 142.96 348.47 82.4530.17 5.59 88.80 96.08 491.50 292.17 348.80 17.50 28.36 210.20 744.40 43.36 87.47
15308.25 6636.28 13759.57 16673.91 15438.94 19196.77 40969.70 14828.65 12537.87 18742.75 12127.80 13636.73 9666.9415051.08 6425.06 13364.89 16300.91 14984.51 18185.18 40289.34 14828.65 11990.75 18284.94 11731.64 12869.54 9377.18
257.17 211.22 348.88 226.49 319.79 680.37 304.93 340.00 318.97 676.57 224.9945.80 146.51 134.63 1011.59 242.19 117.80 77.19 90.61 64.77
14.62 0.13 14.35 41.53 885.90 282.27 28.86 73.37 120.40 6.12 18.158.00 6.84 11.43 20.67 17.36 28.86 73.37 119.98 3.51 18.156.62 0.13 7.51 30.10 6.61 264.91 0.42 2.61
858.635.14
5.14348.26 187.09 744.06 595.13 405.20 568.17 1071.67 359.55 369.28 302.57 326.80 521.37 439.56942.38 269.38 944.36 1269.73 984.74 1083.33 14775.96 827.78 534.02 313.47 1444.24 510.47 214.20
80.12 72.20 278.73 287.29 161.25 138.98 1970.42 55.91 122.24 81.41 103.65 243.72 126.7756.34 44.07 140.78 148.17 135.68 225.65 3647.55 106.13 88.61 13.42 62.73 57.06 21.63
670.60 81.17 63.08 8.52 18.44 390.88 5707.64 646.77 18.14 2.64 1.0235.15
135.31 71.94 461.78 790.60 669.37 327.82 3450.35 18.97 305.04 218.64 1277.86 207.05 64.787.58 157.47 2.56 8.33 30.88
56.61 6.00 0.03 142.91 1.17 27.790.02 2.77 ‐2.71 26.85
22915.03 9452.19 20535.39 24601.97 23791.84 27218.63 72289.60 20778.30 19232.23 25243.68 18479.65 20049.41 14515.56
19
Statement of Assets and Liabilities as on Poush end 2068
Rs. in million
Liabilities
1 CAPITAL FUND a. Paid‐up Capital
b. Calls in Advance c. General Reserves
d. Share Premiume. Retained Earningf. Others Reserves Fundg. Exchange Fluctuation Fund
2 BORROWINGS a. NRB
b. "A"Class Licensed Institutionc. Foreign Banks and Fin. Ins.d. Other Financial Ins.e. Bonds and Securities
3 DEPOSITSa. Current Domestic Foreignb. Savings Domestic Foreignc. Fixed Domestic Foreignd. Call Depositse. Others
4 Bills Payable5 Other Liabilities
1. Sundry Creditors 2. Loan Loss Provision 3. Interest Suspense a/c 4. Others
6 Reconcillation A/c7 Profit & Loss A/c
Assets1 LIQUID FUNDS
a. Cash Balance Nepalese Notes & Coins Foreign Currencyb. Bank Balance 1. In Nepal Rastra Bank Domestic Currency Foreign Currency 2. "A"Class Licensed Institution Domestic Currency Foreign Currency 3. Other Financial Ins. 4. In Foreign Banksc. Money at Call Domestic Currency Foreign Currency
2 INVESTMENT IN SECURITIESa. Govt.Securities b. NRB Bond c. Govt.Non‐Fin. Ins. d. Other Non‐Fin Ins.e Non Residents
3 SHARE & OTHER INVESTMENT a. Non Residents b. Others
4 LOANS & ADVANCES a. Private Sector b. Financial Institutions c. Government Organizations
5 BILL PURCHASED a. Domestic Bills Purchased b. Foreign Bills Purchased c. Import Bills & Imports
6 LOANS AGAINST COLLECTED BILLS a. Against Domestic Bills b. Against Foreign Bills
7 FIXED ASSETS8 OTHER ASSETS
a. Accrued Interest: b. Staff Loans / Adv. c. Sundry Debtors d. Cash In Transit e. Others
9 Expenses not Written off10 Non Banking Assets11 Reconcillation Account12 Profit & Loss A/c
TOTAL LIABILITIES
TOTAL ASSETS
NM
B
Kist
Jana
ta
Meg
a
CTBN
L
Civi
l Ban
k
Cent
ury
NID
C
Udd
hyam
Mal
ika
SDBL
UD
BL
MD
BL
Nar
ayan
i
PDBL
2211.46 2143.33 1476.87 1711.43 1423.33 1204.60 1135.65 865.87 61.58 250.14 686.35 13.85 884.67 116.38 386.562000.00 2000.00 1400.00 1631.00 1400.00 1200.00 1080.00 415.82 55.00 204.83 645.00 80.40 1000.00 65.62 336.52
186.06 67.61 8.07 4.86 4.55 0.23 423.60 3.49 22.62 38.07 1.84 72.06 11.11 23.9310.08 0.34 0.54
7.13 71.59 32.16 19.09 15.87 0.82 34.71 ‐60.99 2.18 22.34 1.50 ‐68.39 ‐188.28 36.33 20.361.78 4.04 36.53 56.47 2.91 3.44 20.95 87.44 0.92 1.78 0.86 3.33 5.216.41 0.10 0.11 0.11 0.03
64.75 54.41 798.73 45.05 299.45 0.34 58.65 36.20 1.6250.00 47.8814.75 54.41 798.73 45.05 251.57 36.20
0.34 1.6258.65
14130.97 18220.58 6046.31 8287.67 4104.73 6061.90 2372.31 304.49 193.94 1439.68 4055.46 10.95 2241.34 1015.38 1765.55517.45 324.34 104.11 189.52 76.06 126.14 20.36 13.33 6.12 20.25 79.92 37.42 6.07514.59 316.80 103.60 135.01 73.46 115.03 20.22 13.33 6.12 20.25 79.87 36.12 6.07
2.86 7.54 0.51 54.51 2.60 11.11 0.14 0.05 1.302489.26 8465.06 645.79 2980.74 613.27 513.23 710.12 51.21 43.68 1258.53 2016.62 10.45 354.15 654.14 1013.152485.35 8464.16 645.66 2978.04 604.24 511.29 708.47 51.21 43.68 1258.53 2016.62 10.45 354.15 654.14 1013.15
3.91 0.91 0.12 2.71 9.03 1.93 1.657888.81 6663.22 2911.57 3575.76 1620.09 2420.99 1090.73 220.88 78.00 111.63 1250.29 0.50 751.93 359.55 516.016735.73 6591.09 2659.57 3468.06 1538.19 2174.39 1008.83 220.88 78.00 111.63 1250.29 0.50 751.93 359.55 516.011153.07 72.13 252.00 107.69 81.90 246.60 81.903048.74 2704.71 2338.95 1456.15 1761.87 2860.39 543.63 19.07 66.14 48.66 704.56 1059.64 225.93
186.72 63.26 45.89 85.50 33.45 141.16 7.47 0.60 4.08 38.20 1.69 4.391.33 3.58 6.33 12.97 0.74
499.06 1031.00 255.99 354.88 114.63 157.92 75.14 4065.33 20.79 162.61 193.03 58.79 361.74 83.18 82.8319.27 87.93 3.85 5.31 1.97 26.53 63.95 1.22 3.37 15.72 8.03 4.95 6.25
208.36 424.20 58.22 104.69 40.38 53.42 19.24 907.65 8.74 41.52 49.96 14.25 105.97 26.53 28.2972.10 177.54 8.08 36.82 0.10 7.80 4.64 2457.96 6.24 12.84 18.95 17.62 83.62 36.82 5.05
199.33 341.34 185.84 213.37 68.84 94.72 24.73 635.77 4.59 104.88 108.40 18.89 172.15 14.88 43.250.00 91.77 326.55
85.98 2.39 1.09 86.06 22.54 31.34 12.5316928.81 21465.63 7839.91 11165.69 5688.84 7724.61 3583.10 5413.52 276.32 1874.96 4966.51 142.25 3487.75 1577.68 2249.09
2271.84 1805.20 599.59 870.36 797.44 1474.72 962.72 660.09 71.69 447.97 964.65 36.69 466.53 322.78 614.85484.38 476.13 150.97 127.78 137.76 183.75 48.44 8.96 10.91 48.85 81.24 0.70 42.34 32.47 65.74464.07 465.63 146.45 121.00 126.23 176.86 46.92 8.96 10.91 46.62 81.10 0.70 41.79 32.47 65.74
20.32 10.50 4.51 6.77 11.53 6.88 1.52 2.23 0.15 0.551647.38 1308.23 353.36 588.68 388.18 1160.97 603.61 651.13 60.78 75.36 234.27 35.99 424.20 290.31 99.38
997.24 1135.85 245.94 577.45 325.82 1036.97 508.22 45.62 0.11 76.77 222.29 4.44 36.19 0.58 3.00962.76 1115.17 245.62 576.30 323.76 1018.45 508.17 45.62 0.11 76.77 222.29 4.44 36.19 0.58 3.00
34.48 20.67 0.32 1.15 2.06 18.51 0.05129.28 30.56 42.28 18.34 14.55 20.04 83.63 545.07 15.78 ‐1.41 11.97 1.57 318.05 113.82 96.07129.28 30.41 42.28 18.34 14.55 17.56 1.70 545.07 15.78 ‐1.41 11.97 1.57 316.35 113.82 96.07
0.15 2.48 81.92 1.700.03 1.60 60.43 44.90 29.98 69.96 175.92 0.31
520.83 141.82 65.14 ‐7.12 46.21 103.96 11.76140.07 20.84 95.26 153.91 271.50 130.01 310.67 323.75 649.14 449.73
20.84 145.50 227.00 130.01 310.67 323.75 642.98 449.73140.07 95.26 8.41 44.50 6.16
1295.94 3750.12 838.96 910.81 510.79 456.79 462.20 32.96 61.15 204.19 169.56 5.001275.94 3750.12 838.96 910.81 510.79 456.79 462.20 32.96 61.15 204.19 169.56 5.00
20.00
632.95 89.11 1048.40 116.97 264.39 1.50 24.69 38.97 4.05 123.64 17.50286.55 230.24 116.97 27.98 10.08346.39 89.11 818.17 264.39 1.50 24.69 10.99 4.05 113.56 17.50
11481.91 13636.00 5817.60 7761.00 4037.85 5027.24 1923.89 1399.01 166.05 1130.13 3357.45 68.68 2406.57 715.44 1477.0310911.07 13601.09 5694.86 7367.00 3885.29 4744.84 1923.89 1359.40 165.65 1130.13 3357.45 68.68 2374.92 712.72 1477.03
218.02 122.74 95.00 27.76 247.37 31.65352.81 34.91 299.00 124.79 35.02 39.61 0.40 2.72517.23 21.16 4.86 6.90 18.09
17.00 6.90 18.094.16 4.86
517.23308.06
308.06300.34 1420.12 268.78 304.81 148.84 248.56 120.28 113.91 16.62 53.18 313.78 2.36 127.83 9.29 52.20425.99 726.12 303.34 231.93 193.92 81.87 109.43 2857.79 11.87 152.32 69.39 31.04 193.41 65.28 68.64100.52 253.29 23.36 43.89 3.78 15.65 15.43 2457.96 6.24 3.03 20.75 19.05 88.27 36.82 6.33
35.30 300.04 61.53 85.20 50.95 6.28 47.07 15.24 2.64 29.94 22.37 0.00 26.24 6.31 31.8132.42 21.16 14.92 23.39 25.76 185.07 1.57 25.39 12.07 10.70 9.45 10.62
5.60257.75 151.63 203.54 102.83 139.19 36.55 21.16 199.53 1.41 93.96 14.21 1.29 78.89 12.70 14.27
17.79 1.52 1.10 12.562.61 2.45 4.43 0.30 72.55
0.00 0.48 85.37 326.17 1.316.77 38.37 3.02 4.59 4.62 3.18 47.25 15.09
16928.81 21465.62 7839.91 11165.69 5688.84 7724.61 3583.10 5413.52 276.32 1874.96 4966.51 142.25 3487.75 1577.68 2249.09
20
Statement of Assets and Liabilities as on Poush end 2068
Rs. in million
Liabilities
1 CAPITAL FUND a. Paid‐up Capital
b. Calls in Advance c. General Reserves
d. Share Premiume. Retained Earningf. Others Reserves Fundg. Exchange Fluctuation Fund
2 BORROWINGS a. NRB
b. "A"Class Licensed Institutionc. Foreign Banks and Fin. Ins.d. Other Financial Ins.e. Bonds and Securities
3 DEPOSITSa. Current Domestic Foreignb. Savings Domestic Foreignc. Fixed Domestic Foreignd. Call Depositse. Others
4 Bills Payable5 Other Liabilities
1. Sundry Creditors 2. Loan Loss Provision 3. Interest Suspense a/c 4. Others
6 Reconcillation A/c7 Profit & Loss A/c
Assets1 LIQUID FUNDS
a. Cash Balance Nepalese Notes & Coins Foreign Currencyb. Bank Balance 1. In Nepal Rastra Bank Domestic Currency Foreign Currency 2. "A"Class Licensed Institution Domestic Currency Foreign Currency 3. Other Financial Ins. 4. In Foreign Banksc. Money at Call Domestic Currency Foreign Currency
2 INVESTMENT IN SECURITIESa. Govt.Securities b. NRB Bond c. Govt.Non‐Fin. Ins. d. Other Non‐Fin Ins.e Non Residents
3 SHARE & OTHER INVESTMENT a. Non Residents b. Others
4 LOANS & ADVANCES a. Private Sector b. Financial Institutions c. Government Organizations
5 BILL PURCHASED a. Domestic Bills Purchased b. Foreign Bills Purchased c. Import Bills & Imports
6 LOANS AGAINST COLLECTED BILLS a. Against Domestic Bills b. Against Foreign Bills
7 FIXED ASSETS8 OTHER ASSETS
a. Accrued Interest: b. Staff Loans / Adv. c. Sundry Debtors d. Cash In Transit e. Others
9 Expenses not Written off10 Non Banking Assets11 Reconcillation Account12 Profit & Loss A/c
TOTAL LIABILITIES
TOTAL ASSETS
Saha
yogi
Pash
upat
i
Karn
ali
Triv
eni
Anna
purn
a
Bhri
kuti
Suve
kchh
a
Bage
shw
ori
Sani
ma
Gau
rish
anka
r
Gur
kha
Gan
daki
Infr
astr
uctu
re
Busi
ness
Bira
tlaxm
i
102.91 700.71 92.20 187.99 809.01 368.90 137.08 139.51 2119.04 251.59 ‐436.79 246.38 762.81 735.32 171.5075.00 663.17 80.00 158.77 672.00 279.24 107.85 93.70 2016.00 211.92 660.82 220.00 713.53 690.06 155.65
31.19 0.8212.77 14.05 1.70 16.22 33.25 35.44 7.74 12.76 69.60 35.42 34.15 19.63 40.05 42.19 14.35
0.89 11.53 2.11 0.96 0.29 10.56 2.38 0.08 5.69 0.380.01 22.32 1.41 101.37 11.61 20.53 0.94 20.71 3.88 ‐1187.83 4.50 ‐1.28 2.67 0.54
15.13 0.28 10.50 0.06 0.28 42.60 0.62 2.17 0.36 52.87 2.17 4.72 0.02 0.960.00 0.10
40.00 1.49 65.00 104.5015.0050.00 64.50
40.00 1.49 40.00
1121.65 566.33 885.71 1814.15 1244.05 2383.46 874.79 1282.54 7324.24 767.81 1928.85 1706.35 1567.96 1727.99 2043.6134.58 9.35 33.51 5.93 30.65 25.25 8.48 194.60 15.88 190.09 52.58 20.69 32.01 35.7834.58 9.35 33.51 5.93 30.65 25.25 8.48 194.00 15.88 190.09 52.58 20.69 32.01 35.78
0.60872.08 206.85 755.55 902.75 498.31 1340.63 328.37 881.54 3120.10 482.55 860.94 792.41 461.67 747.53 1106.18872.08 206.85 755.55 902.75 498.31 1340.63 328.37 881.54 3101.55 482.55 860.78 792.41 461.67 747.53 1106.18
18.55 0.16188.21 178.85 127.41 585.73 321.30 467.43 349.29 113.61 3127.95 108.30 502.50 402.75 683.43 351.99 591.47188.21 178.85 127.41 585.73 321.30 467.43 349.29 113.61 3074.77 108.30 502.50 402.75 683.43 351.99 591.47
53.1826.78 171.02 290.54 418.34 541.57 171.89 251.85 869.63 161.08 368.11 456.75 395.98 594.31 307.54
0.26 2.75 1.63 0.18 3.18 27.08 11.97 7.21 1.86 6.19 2.15 2.650.01 1.43
36.69 75.62 34.55 54.22 353.01 100.44 48.02 30.78 253.69 44.81 2887.07 68.48 129.22 78.10 81.424.17 2.61 1.26 11.36 7.70 2.77 3.09 1.49 22.46 3.29 1.00 1.12 2.29 1.49 8.65
14.36 50.32 13.57 23.25 216.51 30.02 20.25 18.17 81.57 15.37 1185.56 18.40 32.50 15.66 24.653.79 20.88 12.80 8.05 27.79 6.76 10.29 2.84 32.11 7.61 223.84 7.61 36.10 15.77 2.31
14.38 1.81 6.92 11.56 101.01 60.88 14.39 8.29 117.56 18.54 1476.68 41.35 58.33 45.19 45.82308.58 648.61 2.91 0.17 ‐0.10 0.00 0.37
15.32 28.11 19.73 21.34 3.46 26.20 59.14 15.67 29.00 19.99 41.27 20.271276.57 1370.78 1012.46 2384.68 2406.08 3522.76 1103.35 1483.43 9821.11 1080.05 4483.53 2050.22 2479.97 2584.49 2316.79
394.23 425.79 348.82 460.56 867.66 779.63 220.87 407.49 962.31 372.33 230.25 703.19 617.83 835.83 659.0727.48 33.68 60.79 77.08 44.63 67.87 47.53 49.16 126.01 33.47 47.23 51.51 62.08 34.15 50.4927.48 33.66 60.79 76.75 44.63 67.87 47.53 47.78 120.85 33.47 46.24 49.74 61.20 33.81 50.46
0.02 0.33 1.38 5.17 0.99 1.76 0.88 0.34 0.0477.46 392.11 23.11 165.72 302.53 127.71 173.34 82.16 596.07 13.49 1.03 651.68 555.75 100.19 126.6260.17 5.60 23.11 0.11 27.29 5.17 74.66 476.88 0.99 0.92 82.34 89.23 98.21 125.0060.17 5.60 23.11 0.11 27.29 5.17 74.66 476.29 0.99 0.63 82.34 88.75 98.21 125.00
0.59 0.29 0.4917.29 358.34 158.20 275.24 121.36 66.00 0.59 95.09 12.50 0.11 334.88 376.51 1.98 1.6217.29 358.34 158.20 275.24 121.36 66.00 0.59 95.05 12.50 0.11 334.88 375.61 1.98 1.62
0.04 0.9028.18 7.41 1.17 107.34 234.47 90.01
6.91 24.09289.30 264.92 217.76 520.50 584.04 276.17 240.23 325.37 181.99 701.49 481.96289.30 264.92 217.76 520.50 584.04 276.17 235.71 325.37 181.71 701.49 481.96
4.53 0.291.32 25.20 17.97 0.89 1218.42 25.00
25.20 17.97 0.89 1218.42 25.00
1.32
90.00 0.40 3.00 1.67 40.10 0.50 151.20 2.80 67.06 86.00 125.62 6.1083.00
90.00 0.40 3.00 1.67 40.10 0.50 151.20 2.80 67.06 3.00 125.62 6.10762.38 855.30 543.63 1502.78 1221.87 1954.85 786.72 1007.38 6847.12 609.96 2425.42 1268.13 1673.39 1478.60 1530.53762.38 833.80 543.63 1502.78 1221.87 1954.85 786.72 1007.38 6735.86 609.96 2425.42 1268.13 1673.39 1478.60 1530.53
20.00 84.341.50 26.91
9.00 27.23 35.54 69.74 34.71 39.72 37.37 35.52 430.76 56.51 102.36 40.68 42.11 107.05 50.0920.61 61.99 72.44 41.72 111.09 34.65 39.91 31.93 211.30 38.45 575.35 38.21 55.19 37.39 46.42
3.79 28.30 12.80 8.05 27.79 6.76 10.54 2.84 62.39 7.61 223.84 7.61 36.08 15.77 2.313.52 4.45 23.12 16.17 0.28 2.06 1.75 9.58 46.21 4.31 43.26 9.91 1.50 2.28 19.095.51 6.32 7.45 10.66 4.73 10.53 11.63 12.39 19.12 12.31 4.89 8.97 5.07 1.49 16.37
0.067.80 22.92 29.07 6.84 78.28 15.30 16.00 7.12 83.59 14.23 303.36 11.72 12.49 17.86 8.650.02 0.12 11.80 0.22 26.57 1.38
437.020.33 0.08 2.21 308.55 648.61 0.00 4.07
6.70 157.29 619.511276.57 1370.78 1012.46 2384.68 2406.08 3522.76 1103.35 1483.43 9821.11 1080.05 4483.53 2050.22 2479.97 2584.49 2317.21
21
Statement of Assets and Liabilities as on Poush end 2068
Rs. in million
Liabilities
1 CAPITAL FUND a. Paid‐up Capital
b. Calls in Advance c. General Reserves
d. Share Premiume. Retained Earningf. Others Reserves Fundg. Exchange Fluctuation Fund
2 BORROWINGS a. NRB
b. "A"Class Licensed Institutionc. Foreign Banks and Fin. Ins.d. Other Financial Ins.e. Bonds and Securities
3 DEPOSITSa. Current Domestic Foreignb. Savings Domestic Foreignc. Fixed Domestic Foreignd. Call Depositse. Others
4 Bills Payable5 Other Liabilities
1. Sundry Creditors 2. Loan Loss Provision 3. Interest Suspense a/c 4. Others
6 Reconcillation A/c7 Profit & Loss A/c
Assets1 LIQUID FUNDS
a. Cash Balance Nepalese Notes & Coins Foreign Currencyb. Bank Balance 1. In Nepal Rastra Bank Domestic Currency Foreign Currency 2. "A"Class Licensed Institution Domestic Currency Foreign Currency 3. Other Financial Ins. 4. In Foreign Banksc. Money at Call Domestic Currency Foreign Currency
2 INVESTMENT IN SECURITIESa. Govt.Securities b. NRB Bond c. Govt.Non‐Fin. Ins. d. Other Non‐Fin Ins.e Non Residents
3 SHARE & OTHER INVESTMENT a. Non Residents b. Others
4 LOANS & ADVANCES a. Private Sector b. Financial Institutions c. Government Organizations
5 BILL PURCHASED a. Domestic Bills Purchased b. Foreign Bills Purchased c. Import Bills & Imports
6 LOANS AGAINST COLLECTED BILLS a. Against Domestic Bills b. Against Foreign Bills
7 FIXED ASSETS8 OTHER ASSETS
a. Accrued Interest: b. Staff Loans / Adv. c. Sundry Debtors d. Cash In Transit e. Others
9 Expenses not Written off10 Non Banking Assets11 Reconcillation Account12 Profit & Loss A/c
TOTAL LIABILITIES
TOTAL ASSETS
Exce
l
WD
BL
H &
B
Aran
iko
ND
EP
CED
BL
Mite
ri
Tina
u
Risi
ng
Muk
tinat
h
Sew
a
Kank
ai
Publ
ic
Mah
akal
i
Ace
139.77 87.67 954.40 213.28 618.70 1166.18 100.44 120.22 185.33 269.74 147.37 58.23 138.90 42.18 889.8680.00 60.00 897.93 200.00 582.45 1088.00 90.29 100.00 140.00 200.00 115.00 40.00 150.00 40.00 797.74
21.60 8.62 1.7716.88 3.67 48.22 8.62 29.08 37.11 10.16 2.09 6.64 69.74 10.40 1.94 3.42 1.90 87.65
2.40 1.79 5.41 12.86 0.2622.69 8.25 4.65 5.31 21.54 18.04 25.82 21.67 7.68 ‐18.00 0.02 0.3920.20 11.76 0.09 0.30 1.71 0.01 3.72
0.01 0.07 2.36 0.362.18 55.73 753.06 10.17 182.49 121.00
10.00 223.30 5.00170.00 100.00359.76
2.18 45.73 182.49 16.0010.17
1853.15 529.21 6431.15 383.03 4479.63 4274.02 562.71 1031.99 799.62 2197.26 1638.41 369.18 477.48 244.83 5110.206.78 9.87 145.04 11.50 147.71 99.96 5.69 7.27 7.89 30.48 18.49 6.26 2.01 43.406.78 9.87 145.04 11.50 147.71 99.54 5.69 7.27 7.89 30.48 18.49 6.26 2.01 42.10
0.42 1.311337.35 347.24 2634.87 306.78 1414.40 1220.66 334.05 279.49 426.99 1458.28 876.83 219.63 202.18 209.82 2634.351337.35 347.24 2634.87 306.78 1413.72 1191.85 334.05 279.49 426.99 1458.28 876.83 219.63 202.18 209.82 2627.44
0.68 28.81 6.91333.06 98.02 2628.20 64.76 1225.89 1806.43 168.72 460.85 246.68 448.79 307.66 32.38 238.94 35.02 1947.35333.06 98.02 2628.20 64.76 1209.51 1528.66 168.72 460.85 246.68 448.79 307.66 32.38 238.94 35.02 1947.35
16.38 277.7773.56 1008.93 1685.35 1115.28 54.25 284.38 117.56 259.71 434.43 110.65 34.36 475.44
175.96 0.52 14.10 6.28 31.69 0.51 1.00 0.25 9.640.07 8.31
74.30 15.56 472.99 74.09 286.34 403.35 10.92 41.00 53.15 100.88 65.62 15.55 93.51 9.36 348.699.13 1.08 2.28 1.18 11.04 9.88 1.08 1.58 0.60 0.51 1.04 0.97 4.35 1.81 1.81
19.02 11.98 116.87 15.87 105.08 80.33 5.76 12.95 24.87 32.65 15.67 6.84 64.86 3.83 69.495.99 0.74 67.00 11.61 62.87 19.01 0.56 3.99 12.98 13.36 7.62 1.52 17.52 1.60 49.17
40.15 1.76 286.84 45.42 107.34 294.14 3.51 22.49 14.70 54.37 41.30 6.22 6.78 2.12 228.21374.64 11.15 0.50 ‐6.00 0.65 74.95 4.88 0.08
17.03 9.44 25.81 10.46 ‐78.29 19.37 14.55 5.10 5.68 31.39 13.05 0.79 1.52 4.442458.89 653.03 7887.10 674.87 5362.76 6624.29 763.57 1198.31 1053.96 2786.63 1864.45 443.75 709.90 297.98 6474.18
852.69 152.55 1878.93 228.49 1119.28 1922.39 171.23 496.08 230.41 818.02 549.06 122.95 103.20 107.92 1116.9757.49 17.97 136.62 13.91 120.16 98.98 5.51 24.31 23.00 74.05 60.25 29.52 13.13 4.86 78.0057.44 17.97 135.42 13.91 115.44 96.03 5.51 24.31 23.00 73.03 60.05 29.52 13.13 4.33 76.36
0.06 1.20 4.71 2.95 1.02 0.20 0.00 0.53 1.64105.92 134.58 1742.31 214.58 232.81 92.61 27.46 382.36 51.22 743.97 488.81 18.17 22.70 103.06 205.24
8.21 0.03 584.44 6.79 229.84 23.88 14.11 0.14 0.20 107.78 40.16 0.05 22.02 4.82 179.968.21 0.03 584.44 6.79 229.79 22.44 14.11 0.14 0.20 107.78 40.16 0.05 22.02 4.82 179.06
0.05 1.43 0.9097.71 115.91 755.82 96.58 2.90 42.80 13.35 382.22 51.02 433.19 334.74 18.11 0.68 66.12 15.8197.71 115.91 755.82 96.58 2.82 42.80 13.35 382.22 51.02 433.19 334.74 18.11 0.68 66.12 15.81
0.0818.65 402.05 111.22 0.07 203.00 113.91 0.01 32.12 0.04
25.94 9.42689.28 766.31 1730.79 138.25 89.41 156.18 75.26 67.36 833.73689.28 763.98 1584.47 138.25 89.41 156.18 75.26 67.36 818.91
2.33 146.32 14.8210.00 79.55 20.00 229.65 257.99 10.00 2.50 2.06 446.7610.00 79.55 20.00 229.65 245.99 10.00 2.50 2.06 446.76
12.00
10.50 132.63 5.10 70.44 159.06 0.10 10.20 45.00 26.18 0.30 0.10 0.50 192.13
10.50 132.63 5.10 70.44 159.06 0.10 10.20 45.00 26.18 0.30 0.10 0.50 192.131182.32 410.42 5342.76 362.22 3559.13 3930.32 502.51 649.76 716.31 1843.84 1223.81 298.63 490.31 174.74 4310.441179.48 410.42 5321.21 362.22 3547.96 3819.90 500.11 649.76 716.31 1843.84 1222.44 490.31 174.30 4191.52
9.48 0.84 94.54 0.90 298.63 103.772.85 12.07 10.33 15.88 1.50 1.37 0.44 15.16
5.705.70
22.81 9.95 171.56 30.47 240.38 114.98 8.71 18.70 34.51 49.78 30.84 14.96 59.88 4.14 132.7926.21 59.61 275.96 34.83 143.88 239.55 6.07 20.75 27.40 48.02 45.13 6.55 31.42 8.62 275.05
5.99 72.60 9.79 75.20 28.82 0.56 3.99 12.98 13.36 7.62 1.52 17.52 1.60 52.322.48 6.67 47.36 6.69 2.70 6.15 0.27 2.54 7.57 0.16 7.42 2.27 8.15
11.77 50.99 4.59 9.33 10.66 54.83 0.66 6.84 1.04 16.72 23.96 1.54 2.64 3.37 4.54
5.97 1.95 151.41 9.01 55.31 149.75 4.58 9.93 13.38 15.41 5.99 3.33 3.84 1.37 210.032.82 0.33 0.78 5.30 0.04
374.85 ‐6.24 0.00 74.95 0.5622.58
2458.89 653.03 7887.10 674.87 5362.76 6624.29 763.57 1198.31 1053.96 2786.63 1864.45 443.75 709.90 297.98 6474.18
22
Statement of Assets and Liabilities as on Poush end 2068
Rs. in million
Liabilities
1 CAPITAL FUND a. Paid‐up Capital
b. Calls in Advance c. General Reserves
d. Share Premiume. Retained Earningf. Others Reserves Fundg. Exchange Fluctuation Fund
2 BORROWINGS a. NRB
b. "A"Class Licensed Institutionc. Foreign Banks and Fin. Ins.d. Other Financial Ins.e. Bonds and Securities
3 DEPOSITSa. Current Domestic Foreignb. Savings Domestic Foreignc. Fixed Domestic Foreignd. Call Depositse. Others
4 Bills Payable5 Other Liabilities
1. Sundry Creditors 2. Loan Loss Provision 3. Interest Suspense a/c 4. Others
6 Reconcillation A/c7 Profit & Loss A/c
Assets1 LIQUID FUNDS
a. Cash Balance Nepalese Notes & Coins Foreign Currencyb. Bank Balance 1. In Nepal Rastra Bank Domestic Currency Foreign Currency 2. "A"Class Licensed Institution Domestic Currency Foreign Currency 3. Other Financial Ins. 4. In Foreign Banksc. Money at Call Domestic Currency Foreign Currency
2 INVESTMENT IN SECURITIESa. Govt.Securities b. NRB Bond c. Govt.Non‐Fin. Ins. d. Other Non‐Fin Ins.e Non Residents
3 SHARE & OTHER INVESTMENT a. Non Residents b. Others
4 LOANS & ADVANCES a. Private Sector b. Financial Institutions c. Government Organizations
5 BILL PURCHASED a. Domestic Bills Purchased b. Foreign Bills Purchased c. Import Bills & Imports
6 LOANS AGAINST COLLECTED BILLS a. Against Domestic Bills b. Against Foreign Bills
7 FIXED ASSETS8 OTHER ASSETS
a. Accrued Interest: b. Staff Loans / Adv. c. Sundry Debtors d. Cash In Transit e. Others
9 Expenses not Written off10 Non Banking Assets11 Reconcillation Account12 Profit & Loss A/c
TOTAL LIABILITIES
TOTAL ASSETS
Bhar
gav
Shan
grila
Resu
nga
Rara
diya
lo
Coun
try
Alpi
ne
Nilg
iri
Kast
ham
and
ap
Gar
ima
City
Bish
ow
Prof
essi
onal
Kabe
li
Kam
ana
91.50 334.66 77.71 223.40 113.43 329.49 105.87 53.84 510.52 232.50 262.17 254.19 102.23 23.67 215.3794.49 320.00 70.38 200.10 100.00 320.00 100.00 50.00 480.81 200.00 220.00 240.00 100.00 20.00 200.00
1.500.97 10.08 4.43 1.47 4.94 4.21 3.67 9.31 14.24 14.95 10.61 2.05 2.17
1.28 9.51‐3.96 2.66 1.08 21.83 8.33 0.88 0.17 20.40 18.26 26.71 0.56 0.17 5.86
1.91 0.54 0.16 9.49 0.77 0.50 3.03 0.010.00
30.00
30.00
197.24 2112.68 985.18 343.89 410.56 1051.85 485.47 421.29 3546.69 1732.17 1954.03 1830.68 216.72 255.33 1330.571.08 0.76 9.22 17.67 1.12 37.85 31.05 5.63 26.34 2.35 4.55 16.961.08 0.76 9.22 17.67 1.12 37.84 31.05 5.63 26.34 2.35 4.55 16.96
0.01127.88 1301.62 896.77 288.07 113.00 171.38 294.03 206.89 1568.70 1037.89 1083.28 667.33 82.67 189.07 678.23127.88 1301.62 896.77 288.07 113.00 171.38 294.03 206.89 1567.80 1037.89 1083.28 667.33 82.67 189.07 678.23
0.9138.02 582.29 87.96 51.88 134.57 407.84 103.01 132.93 924.36 395.87 553.71 704.51 30.62 39.41 314.0038.02 582.29 87.96 51.88 134.57 407.84 103.01 132.93 924.36 395.87 553.71 704.51 30.62 39.41 314.00
30.26 224.45 161.92 463.40 70.66 79.92 1012.20 267.36 310.65 432.50 101.09 22.30 321.394.32 0.46 3.94 0.33 0.11 0.43 3.58 0.75
0.08 0.0911.93 87.65 32.08 22.51 11.39 74.36 41.81 32.04 196.08 62.94 140.12 133.95 8.87 4.59 60.52
0.48 0.67 1.53 0.59 0.32 1.91 7.96 0.15 18.24 13.94 0.07 1.72 2.91 0.30 1.246.59 29.11 9.66 6.11 3.47 14.48 9.87 4.07 43.25 14.62 18.83 18.76 2.12 2.54 13.721.60 13.60 4.83 4.62 3.70 7.29 7.13 4.91 19.98 7.76 15.04 12.38 0.89 1.14 13.173.26 44.26 16.07 11.20 3.90 50.68 16.86 22.91 114.60 26.61 106.19 101.08 2.96 0.61 32.39
36.86 398.98 51.95 572.12 265.50 0.010.70 22.39 14.87 11.66 6.95 7.64 5.27 5.82 4.78 21.98 15.95 23.75 3.39 0.55 15.60
338.23 2557.37 1508.82 653.41 542.32 1493.34 638.42 512.98 4830.18 2315.10 2372.34 2242.58 331.22 284.14 1622.16
121.44 684.07 531.36 269.13 151.90 410.46 140.72 180.56 1165.91 557.82 628.89 581.46 154.79 78.06 503.034.20 41.62 30.17 14.11 5.19 34.52 24.24 14.86 56.88 42.48 40.97 24.93 6.73 19.54 30.364.20 41.10 30.17 14.11 5.19 34.52 23.91 13.53 56.39 42.40 40.91 24.93 6.73 19.54 30.02
0.52 0.33 1.33 0.50 0.08 0.05 0.34117.24 642.45 33.21 109.30 146.72 73.07 35.65 30.73 1109.03 107.28 587.92 556.53 11.86 19.70 472.67
11.29 89.32 4.80 19.88 62.29 1.30 0.01 114.22 87.28 107.75 95.22 0.09 1.66 64.6911.29 89.32 4.80 19.88 62.29 1.30 0.01 114.22 87.28 107.75 95.22 0.09 1.66 64.69
74.05 426.26 27.26 17.35 42.15 10.63 28.64 30.42 649.04 320.01 227.66 11.76 18.04 140.3874.05 426.26 27.26 17.35 42.15 10.63 28.64 30.42 640.46 320.01 227.66 11.76 18.04 140.38
8.5931.90 126.87 1.15 91.96 84.69 0.16 5.71 0.30 345.76 20.00 160.15 233.64 0.02 267.60
467.98 145.72 302.87 80.83 134.97 408.06 136.20 38.83467.98 145.72 302.87 80.83 134.97 408.06 136.20 38.83
3.20 10.00 17.17 173.08 15.003.20 10.00 17.17 173.08 15.00
1.00 20.50 30.00 10.50 0.50 163.06 50.60 1.50 0.10 41.00
1.00 20.50 30.00 10.50 0.50 163.06 50.60 1.50 0.10 41.00162.80 1786.00 551.70 282.71 335.23 1004.74 451.31 309.00 2501.09 1429.44 1562.68 1556.28 165.20 183.24 1007.72162.80 1786.00 551.70 282.71 335.23 991.83 451.31 309.00 2420.69 1429.41 1562.68 1556.28 165.20 183.24 1007.72
1.06 76.8311.86 3.58 0.03
0.600.60
5.92 45.92 11.63 13.52 5.41 31.17 16.16 7.41 123.17 29.60 52.99 56.15 6.47 18.04 37.165.34 40.38 13.46 14.62 9.50 19.29 26.04 16.02 123.04 30.62 58.29 47.19 4.66 4.80 33.251.60 23.41 4.83 4.62 3.70 7.29 7.13 4.91 45.45 7.76 23.89 18.67 0.89 1.14 13.172.02 1.93 0.11 0.18 0.52 0.18 0.53 5.48 0.32 6.43 0.13 0.12 0.100.23 1.30 8.29 0.08 2.56 0.70 13.66 0.61 50.71 0.30 0.00 1.40 2.38 1.31 9.17
1.50 13.75 0.34 9.80 3.06 10.77 5.07 9.96 21.39 22.25 27.96 26.99 1.27 2.24 10.910.29 0.50 7.43 2.11 3.90
1.6837.86 400.67 52.93 3.19 572.80 265.50
338.23 2557.37 1508.82 653.41 542.32 1493.34 638.42 512.98 4830.18 2315.10 2372.34 2242.58 331.22 284.14 1622.16
23
Statement of Assets and Liabilities as on Poush end 2068
Rs. in million
Liabilities
1 CAPITAL FUND a. Paid‐up Capital
b. Calls in Advance c. General Reserves
d. Share Premiume. Retained Earningf. Others Reserves Fundg. Exchange Fluctuation Fund
2 BORROWINGS a. NRB
b. "A"Class Licensed Institutionc. Foreign Banks and Fin. Ins.d. Other Financial Ins.e. Bonds and Securities
3 DEPOSITSa. Current Domestic Foreignb. Savings Domestic Foreignc. Fixed Domestic Foreignd. Call Depositse. Others
4 Bills Payable5 Other Liabilities
1. Sundry Creditors 2. Loan Loss Provision 3. Interest Suspense a/c 4. Others
6 Reconcillation A/c7 Profit & Loss A/c
Assets1 LIQUID FUNDS
a. Cash Balance Nepalese Notes & Coins Foreign Currencyb. Bank Balance 1. In Nepal Rastra Bank Domestic Currency Foreign Currency 2. "A"Class Licensed Institution Domestic Currency Foreign Currency 3. Other Financial Ins. 4. In Foreign Banksc. Money at Call Domestic Currency Foreign Currency
2 INVESTMENT IN SECURITIESa. Govt.Securities b. NRB Bond c. Govt.Non‐Fin. Ins. d. Other Non‐Fin Ins.e Non Residents
3 SHARE & OTHER INVESTMENT a. Non Residents b. Others
4 LOANS & ADVANCES a. Private Sector b. Financial Institutions c. Government Organizations
5 BILL PURCHASED a. Domestic Bills Purchased b. Foreign Bills Purchased c. Import Bills & Imports
6 LOANS AGAINST COLLECTED BILLS a. Against Domestic Bills b. Against Foreign Bills
7 FIXED ASSETS8 OTHER ASSETS
a. Accrued Interest: b. Staff Loans / Adv. c. Sundry Debtors d. Cash In Transit e. Others
9 Expenses not Written off10 Non Banking Assets11 Reconcillation Account12 Profit & Loss A/c
TOTAL LIABILITIES
TOTAL ASSETS
Corp
orat
e
Path
ibha
ra
Purn
ima
Jyot
i
Bagm
ati
Ham
ro
Kakr
e
Shin
e
Paci
fic
Civi
c
IDBL
Gul
mi
Kanc
han
Mat
ribh
umi
Brig
ht
274.66 109.78 112.53 762.37 26.35 41.77 21.21 211.00 43.37 27.19 493.03 18.65 75.84 30.55 109.64200.00 100.00 100.00 740.00 26.50 21.00 18.00 200.00 39.00 14.00 448.00 17.50 70.00 15.40 98.00
20.28 13.00 13.007.61 2.60 2.65 17.81 ‐0.15 0.50 8.00 0.87 0.04 8.08 1.15 1.17 0.43 2.20
0.1467.05 6.73 3.89 2.80 3.21 1.86 3.50 0.15 32.29 4.67 1.72 9.44
0.31 6.00 1.75 1.14 4.670.00
945.40 816.59 652.35 2907.93 99.61 224.57 185.25 1519.69 353.66 88.75 3499.60 288.43 570.20 138.61 359.545.23 5.42 25.78 199.84 11.49 1.04 20.58 1.98 35.78 3.215.23 5.42 25.78 199.83 11.49 1.04 20.58 1.98 35.78 3.21
0.01338.79 474.34 368.88 1213.44 66.04 117.35 149.76 856.31 188.05 78.24 1358.67 261.48 505.25 74.98 96.08338.79 474.34 368.88 1207.32 66.04 117.35 149.76 856.31 188.05 78.24 1358.67 261.48 505.25 74.98 96.08
6.12500.09 82.56 169.62 897.46 13.41 51.61 34.46 378.95 42.97 10.51 1261.45 26.95 64.95 30.67 48.19500.09 82.56 169.62 897.46 13.41 51.61 34.46 378.95 42.97 10.51 1261.45 26.95 64.95 30.67 48.19
98.46 254.27 88.08 573.90 19.91 44.11 260.09 120.61 838.16 32.97 211.932.83 23.28 0.26 3.76 0.05 5.55 0.13
0.4382.56 23.34 18.04 231.64 2.51 4.98 2.24 69.69 5.00 3.75 367.01 6.28 15.81 2.58 23.4513.43 0.27 0.86 1.20 0.09 0.68 0.14 8.96 0.22 1.87 78.00 0.92 0.36 0.20 0.1021.28 12.93 7.79 60.51 1.00 1.96 1.56 13.28 3.16 0.98 190.08 1.66 5.41 1.74 4.0820.90 2.12 2.13 12.11 0.16 0.15 1.37 0.84 0.62 54.97 0.72 2.72 4.0326.95 8.01 7.26 157.82 1.25 2.33 0.39 46.08 0.78 0.27 43.95 2.98 7.31 0.64 15.23
86.66 10.93 106.33 11.315.65 1.97 3.45 24.61 1.64 2.69 2.03 21.46 3.82 2.60 7.05 0.52 2.74
1308.28 1038.34 786.38 3926.55 130.12 274.01 210.74 1821.85 405.85 130.61 4360.07 315.96 775.24 183.57 495.37
263.70 293.45 310.40 810.39 28.31 58.12 65.21 500.63 103.78 34.98 981.82 155.19 212.55 61.14 140.885.72 38.59 18.51 56.95 3.61 4.32 6.68 36.22 7.72 0.85 143.66 5.60 18.93 4.23 14.535.72 38.59 18.51 56.28 3.61 4.32 6.52 36.22 7.72 0.85 142.48 5.50 18.93 4.23 14.53
0.67 0.16 1.18 0.09257.97 51.03 37.06 146.96 7.10 18.09 58.53 81.34 96.05 4.03 212.16 13.75 193.62 7.80 54.56
39.24 0.75 32.84 104.29 0.09 0.46 5.03 3.20 194.26 0.99 38.7139.24 0.75 32.84 104.29 0.09 0.46 5.03 3.20 194.26 0.99 38.71
135.52 50.28 4.22 42.67 7.10 18.00 48.03 77.01 42.53 17.88 13.75 81.53 7.80 15.85135.52 50.28 4.22 42.66 7.10 18.00 48.03 77.01 42.53 17.88 13.75 81.53 7.80 15.85
0.0183.21 0.00 10.50 3.87 48.50 0.83 0.01 0.01 111.10
203.83 254.83 606.49 17.60 35.71 383.07 30.10 626.00 135.84 49.11 71.79203.83 254.83 597.95 17.60 35.71 383.07 30.10 619.75 135.84 49.11 71.79
8.54 6.26256.93 1.00 10.27 68.43256.93 1.00 10.27 68.43
14.63 20.10 0.57 0.10 1.00 55.20 20.10 0.1014.63
20.10 0.57 0.10 1.00 55.20 20.10 0.10947.65 620.23 449.07 2643.83 95.30 196.28 140.51 1250.21 288.46 73.44 2878.68 151.02 400.95 105.19 333.64937.25 619.70 449.07 2630.48 95.30 196.28 140.51 1250.21 287.85 73.44 2796.64 146.47 400.95 105.19 331.89
10.40 8.75 0.62 82.04 1.750.53 4.60 4.55
2.50 0.102.50 0.10
35.59 22.84 16.87 91.28 3.94 15.26 2.77 28.54 7.57 6.65 129.95 7.39 20.78 4.27 13.6944.21 12.91 7.99 100.75 2.24 2.27 2.15 31.18 5.86 3.05 128.53 2.37 14.54 1.57 7.0720.99 2.12 2.24 23.63 0.16 2.96 0.84 0.62 55.12 0.72 6.71 4.03
1.88 16.13 0.89 0.59 0.57 9.60 1.28 0.55 0.24 0.16 0.04 0.024.60 3.19 2.36 0.34 0.08 0.15 2.33 3.52 0.26 2.80 0.02 0.31
23.22 4.31 2.56 58.63 0.84 1.60 1.42 18.62 1.41 1.89 69.65 1.39 4.87 1.51 2.712.25 2.05 3.16 0.33 0.51 0.18 0.76 0.09
86.66 0.02 10.93 106.32 11.310.79 117.45
1308.28 1038.34 786.38 3926.55 130.12 274.01 210.74 1821.85 405.85 130.61 4360.07 315.96 775.24 183.57 495.37
24
Statement of Assets and Liabilities as on Poush end 2068
Rs. in million
Liabilities
1 CAPITAL FUND a. Paid‐up Capital
b. Calls in Advance c. General Reserves
d. Share Premiume. Retained Earningf. Others Reserves Fundg. Exchange Fluctuation Fund
2 BORROWINGS a. NRB
b. "A"Class Licensed Institutionc. Foreign Banks and Fin. Ins.d. Other Financial Ins.e. Bonds and Securities
3 DEPOSITSa. Current Domestic Foreignb. Savings Domestic Foreignc. Fixed Domestic Foreignd. Call Depositse. Others
4 Bills Payable5 Other Liabilities
1. Sundry Creditors 2. Loan Loss Provision 3. Interest Suspense a/c 4. Others
6 Reconcillation A/c7 Profit & Loss A/c
Assets1 LIQUID FUNDS
a. Cash Balance Nepalese Notes & Coins Foreign Currencyb. Bank Balance 1. In Nepal Rastra Bank Domestic Currency Foreign Currency 2. "A"Class Licensed Institution Domestic Currency Foreign Currency 3. Other Financial Ins. 4. In Foreign Banksc. Money at Call Domestic Currency Foreign Currency
2 INVESTMENT IN SECURITIESa. Govt.Securities b. NRB Bond c. Govt.Non‐Fin. Ins. d. Other Non‐Fin Ins.e Non Residents
3 SHARE & OTHER INVESTMENT a. Non Residents b. Others
4 LOANS & ADVANCES a. Private Sector b. Financial Institutions c. Government Organizations
5 BILL PURCHASED a. Domestic Bills Purchased b. Foreign Bills Purchased c. Import Bills & Imports
6 LOANS AGAINST COLLECTED BILLS a. Against Domestic Bills b. Against Foreign Bills
7 FIXED ASSETS8 OTHER ASSETS
a. Accrued Interest: b. Staff Loans / Adv. c. Sundry Debtors d. Cash In Transit e. Others
9 Expenses not Written off10 Non Banking Assets11 Reconcillation Account12 Profit & Loss A/c
TOTAL LIABILITIES
TOTAL ASSETS
Inno
vativ
e
Jhim
ruk
Met
ro
Vibo
r
Gau
muk
hi
Rapt
iver
i
Cons
umer
Khad
bari
Tour
ism
Mis
sion
Sury
a
Mt.
Mak
alu
Sind
hu
Saha
ra
Soci
al
69.81 14.94 81.54 749.43 14.64 75.88 156.72 18.32 451.66 67.97 13.64 13.90 44.23 12.38 397.4666.25 12.00 70.00 681.83 14.00 60.00 140.00 17.50 400.00 70.00 15.00 14.00 51.00 14.00 382.65
7.15 4.20 15.010.23 ‐4.31 2.32 29.59 ‐3.56 0.30 3.34 0.82 9.45 0.39 ‐6.77 ‐1.62 2.15
3.33 9.21 9.18 0.21 13.38 37.70 ‐2.41 ‐1.36 ‐0.10 8.600.10 28.84 0.36 4.40 4.06
0.11564.00 3.00 70.00 5.29 5.92
564.00 70.00
5.29 5.923.00
491.24 152.27 599.32 2541.35 94.36 134.30 419.92 61.29 1436.06 456.16 62.01 50.89 347.33 83.55 449.4311.17 3.94 13.60 37.62 2.27 1.06 6.28 2.59 56.39 0.66 2.53 0.03 29.67 0.4911.17 3.94 13.60 37.62 2.27 1.06 6.28 2.59 50.13 0.66 2.53 0.03 29.67 0.49
6.26191.45 100.33 294.00 561.55 77.81 88.33 151.55 47.79 516.86 248.22 30.63 42.80 191.92 49.18 37.42191.45 100.33 294.00 561.55 77.81 88.33 151.55 47.79 516.80 248.22 30.63 42.80 191.92 49.18 37.42
0.05105.14 18.10 178.48 1487.66 5.32 39.38 125.77 8.49 352.60 82.31 20.46 3.87 47.33 3.16 119.68105.14 18.10 178.48 1487.66 5.32 39.38 125.77 8.49 352.60 82.31 20.46 3.87 47.33 3.16 119.68
183.49 29.91 113.24 453.58 8.96 5.53 136.03 2.43 395.08 124.96 8.39 4.19 1.40 291.840.94 0.29 115.13 108.08 0.15
0.04 2.15 0.0811.65 2.78 17.78 419.81 2.36 5.44 19.03 16.63 50.11 9.61 1.25 2.73 8.37 1.33 50.54
2.09 0.42 1.13 0.57 0.15 0.93 2.95 15.41 0.09 0.43 0.12 1.90 0.003.25 1.47 5.14 85.33 0.98 2.33 3.77 0.67 15.27 3.65 0.49 0.41 2.88 0.63 5.520.98 0.60 2.97 52.29 0.95 1.76 2.55 0.18 11.17 0.75 0.22 2.14 2.10 0.43 21.615.33 0.29 8.54 281.62 0.28 0.42 9.75 0.38 23.58 5.21 0.11 0.06 1.49 0.27 23.410.01 8.92 32.93 4.58 5.131.99 0.95 4.72 0.83 2.83 6.77 0.90 16.63 1.43 1.19 0.28
574.75 170.93 703.35 4276.75 124.11 251.39 672.45 101.73 1964.96 541.09 76.90 68.71 399.93 97.54 897.43
228.94 32.91 168.89 184.65 24.09 49.00 261.97 20.23 435.53 144.66 17.53 23.64 80.36 27.42 212.9613.58 9.09 15.16 38.50 7.34 10.24 8.52 3.23 105.55 20.69 2.34 1.18 8.56 4.57 8.5113.58 8.95 15.16 38.50 6.83 10.23 8.52 3.23 90.04 20.69 2.34 1.18 8.23 4.57 8.51
0.14 0.51 0.01 15.50 0.3425.13 13.69 36.35 146.14 5.61 8.06 14.74 3.59 100.60 1.01 3.30 3.49 7.84 22.86 204.4525.13 36.35 56.10 7.95 13.87 100.60 1.01 5.34 58.0625.13 36.35 56.10 7.95 13.87 96.22 1.01 5.34 58.06
4.3813.59 56.75 5.05 0.12 0.76 3.58 3.30 3.49 2.50 22.86 55.7013.59 56.75 5.05 0.12 0.76 3.58 3.30 3.49 2.50 22.86 55.70
0.10 33.29 0.56 0.11 0.01 90.70
190.24 10.14 117.39 11.14 30.70 238.72 13.41 229.38 122.95 11.88 18.98 63.96190.24 10.14 117.39 11.14 30.70 238.72 13.41 224.47 122.95 11.88 18.98 63.96
4.9190.00 10.00 9.1890.00 10.00 9.18
0.10 206.00 50.00 25.200.10
206.00 50.00 25.20323.75 129.12 513.55 2063.55 84.77 153.50 376.94 66.08 1372.47 369.81 49.35 40.45 288.41 63.11 551.68323.75 129.12 513.55 1950.69 84.77 153.50 369.44 66.08 1372.47 369.81 49.35 40.45 288.41 63.11 537.68
107.76 7.50 14.005.10
17.45 4.46 13.44 127.91 4.00 6.94 19.31 1.75 47.02 22.36 6.58 1.44 16.91 3.92 56.334.61 4.18 7.47 1564.32 1.98 9.02 14.23 8.73 44.82 3.63 2.49 3.02 14.10 2.54 37.610.98 0.60 2.97 52.29 0.95 1.76 2.55 0.18 11.37 0.75 0.22 2.14 2.10 0.47 24.741.28 25.36 0.02 3.80 0.28 2.77 0.08 0.80 0.03 1.190.49 1.51 0.68 2.42 0.07 6.70 2.81 7.79 15.93 0.66 1.67 0.47 1.18 4.32
1.86 2.07 3.81 1484.26 0.94 0.56 5.06 0.48 14.74 2.14 0.60 0.41 11.20 0.86 7.360.16 0.87 0.34 0.47 0.63 0.72 0.15 0.55
17.340.00 8.92 32.92 4.47 5.11
22.11 0.25 0.15 4.46574.75 170.93 703.35 4276.75 124.11 251.39 672.45 101.73 1964.96 541.09 76.90 68.71 399.93 97.54 897.43
25
Statement of Assets and Liabilities as on Poush end 2068
Rs. in million
Liabilities
1 CAPITAL FUND a. Paid‐up Capital
b. Calls in Advance c. General Reserves
d. Share Premiume. Retained Earningf. Others Reserves Fundg. Exchange Fluctuation Fund
2 BORROWINGS a. NRB
b. "A"Class Licensed Institutionc. Foreign Banks and Fin. Ins.d. Other Financial Ins.e. Bonds and Securities
3 DEPOSITSa. Current Domestic Foreignb. Savings Domestic Foreignc. Fixed Domestic Foreignd. Call Depositse. Others
4 Bills Payable5 Other Liabilities
1. Sundry Creditors 2. Loan Loss Provision 3. Interest Suspense a/c 4. Others
6 Reconcillation A/c7 Profit & Loss A/c
Assets1 LIQUID FUNDS
a. Cash Balance Nepalese Notes & Coins Foreign Currencyb. Bank Balance 1. In Nepal Rastra Bank Domestic Currency Foreign Currency 2. "A"Class Licensed Institution Domestic Currency Foreign Currency 3. Other Financial Ins. 4. In Foreign Banksc. Money at Call Domestic Currency Foreign Currency
2 INVESTMENT IN SECURITIESa. Govt.Securities b. NRB Bond c. Govt.Non‐Fin. Ins. d. Other Non‐Fin Ins.e Non Residents
3 SHARE & OTHER INVESTMENT a. Non Residents b. Others
4 LOANS & ADVANCES a. Private Sector b. Financial Institutions c. Government Organizations
5 BILL PURCHASED a. Domestic Bills Purchased b. Foreign Bills Purchased c. Import Bills & Imports
6 LOANS AGAINST COLLECTED BILLS a. Against Domestic Bills b. Against Foreign Bills
7 FIXED ASSETS8 OTHER ASSETS
a. Accrued Interest: b. Staff Loans / Adv. c. Sundry Debtors d. Cash In Transit e. Others
9 Expenses not Written off10 Non Banking Assets11 Reconcillation Account12 Profit & Loss A/c
TOTAL LIABILITIES
TOTAL ASSETS
NCD
BL
Cosm
os
Man
aslu
Sam
abri
ddhi
Ekat
a
Kalin
chow
k
Nep
al A
awas
Nep
al
Fina
nce
NID
C Ca
pita
l
Nar
ayan
i N
atio
nal
AFCL
NSM
FL
Peop
les
Mer
chan
tile
Kath
man
du
64.73 14.98 68.37 70.90 60.00 51.21 221.60 176.14 329.01 874.47 824.08 ‐167.13 ‐338.96 35.48 184.3670.00 17.50 70.00 70.00 60.00 51.00 176.10 135.86 222.36 647.48 704.29 2034.29 289.01 18.00 154.57
‐7.69 0.06 44.30 40.00 77.86 126.36 105.96 58.80 26.20 6.07 27.2112.79 2.48 10.74 0.22
‐2.52 ‐1.63 0.22 0.21 0.80 0.28 25.70 80.03 11.49 ‐2271.98 ‐665.80 0.18 2.362.42 0.62 0.40 3.09 7.80 2.34 9.29 0.89 11.23
23.00 47.50 464.38 30.00
23.00 47.50 350.26
114.13 30.00
323.89 71.19 172.93 73.58 64.70 18.03 494.60 605.99 1304.96 2752.19 4051.61 1870.27 602.23 42.77 392.283.52 1.16 1.35 0.65 0.08 4.18 54.453.52 1.16 1.35 0.65 0.08 4.18 54.45
80.90 67.00 102.16 39.99 48.69 6.39 85.50 166.18 378.77 683.50 1432.47 1074.28 136.00 94.7780.90 67.00 102.16 39.99 48.69 6.39 85.50 166.18 378.77 683.50 1432.47 1074.28 136.00 94.77
59.59 4.14 9.65 7.14 4.13 1.53 388.30 436.31 792.89 2033.88 1847.62 796.00 452.12 42.68 297.5259.59 4.14 9.65 7.14 4.13 1.53 388.30 436.31 792.89 2033.88 1847.62 796.00 452.12 42.68 297.52
179.88 59.96 25.07 11.23 10.03 129.11 717.060.05 0.03 20.80 3.49 34.81 14.12 0.09
10.83 1.57 3.52 3.75 1.17 0.25 88.50 237.13 304.93 280.86 284.34 3997.64 764.19 3.63 49.670.74 1.39 0.59 0.23 23.60 36.76 39.86 3.50 11.95 24.61 17.69 0.04 0.97
2.13 0.45 1.45 0.32 0.65 0.06 25.30 32.81 55.13 91.42 104.29 2677.35 669.09 1.95 24.480.08 0.09 0.45 0.06 19.80 38.44 99.29 59.06 46.70 683.63 64.80 7.418.62 0.30 0.23 2.84 0.22 0.19 19.80 129.12 110.65 126.88 121.40 612.05 12.61 1.64 16.82
0.72 0.10 0.50 18.23 12.66 47.19 61.64 3.53399.45 87.74 244.82 148.94 125.98 69.48 805.20 1042.25 2004.62 3920.17 5207.21 6165.17 1119.10 85.41 626.32
150.69 33.27 76.80 41.24 52.94 57.87 275.70 134.08 538.59 823.65 1215.06 51.84 126.08 9.30 163.257.48 4.76 10.16 5.08 3.55 0.08 0.90 2.19 2.51 36.77 80.61 8.55 4.61 2.59 3.307.48 4.76 10.13 5.08 3.55 0.08 0.90 2.01 2.51 36.77 80.43 8.55 4.61 2.59 3.30
0.03 0.18 0.1931.28 2.75 12.79 36.16 49.39 57.79 210.70 131.89 536.08 786.88 199.11 24.84 45.88 6.71 159.9515.43 3.85 0.03 29.60 27.49 80.25 58.64 182.37 1.52 45.51 0.91 31.2315.43 3.85 0.03 29.60 27.49 80.25 58.64 182.37 1.52 45.51 0.91 31.23
2.75 12.79 11.25 44.87 33.25 121.30 90.47 134.59 664.45 16.74 21.36 0.37 0.23 128.722.75 12.79 11.25 44.87 33.25 121.30 90.47 134.59 664.45 16.74 21.36 0.37 0.23 128.72
15.85 21.06 4.49 24.54 59.80 13.93 321.24 63.79 1.96 5.57
111.94 25.76 53.85 64.10 935.34 18.45 75.59111.94 25.76 53.85 64.10 935.34 18.45 75.59
25.00 24.55 55.27 79.94 108.65 10.91 3.00 7.2925.00 24.55 55.27 79.94 108.65 10.91 3.00 7.29
0.20 26.81 82.36 41.47 152.13 107.42 4.50 4.68 43.53
0.20 26.81 82.36 41.47 152.13 107.42 4.50 4.68 43.53213.25 44.94 144.69 94.36 64.99 5.95 451.10 675.54 1124.12 2675.84 3505.66 4247.48 788.55 67.02 380.88213.25 44.94 144.69 94.36 64.99 5.95 451.10 675.54 1124.12 2675.84 3505.66 4151.56 788.55 67.02 380.88
62.5033.42
24.11 6.73 16.45 10.88 2.53 4.32 4.80 5.50 58.86 115.54 128.90 166.51 124.26 0.85 18.529.74 0.51 5.45 2.47 5.53 1.11 48.40 159.64 126.94 175.67 94.60 1417.47 75.72 0.56 10.567.76 0.09 0.45 0.88 28.70 39.16 99.85 59.06 46.70 680.88 64.94 7.410.21 0.00 0.52 12.90 0.06 0.43 20.24 7.87 7.52 0.04 0.160.06 0.05 3.82 0.81 4.15 3.10 9.59 5.95 3.63 19.93 147.84 0.60 0.22 2.89
1.71 0.38 0.67 1.65 0.49 1.11 3.70 110.83 20.72 92.73 20.10 581.22 10.18 0.30 0.090.59 4.15 2.213.07 18.49 3.90 1.19 0.19
0.03 0.01 25.961.65 2.26 1.43 0.23 12.49 136.39 2.10
399.45 87.74 244.82 148.94 125.98 69.48 805.20 1042.25 2004.62 3920.17 5207.21 6165.17 1119.10 85.41 626.32
26
Statement of Assets and Liabilities as on Poush end 2068
Rs. in million
Liabilities
1 CAPITAL FUND a. Paid‐up Capital
b. Calls in Advance c. General Reserves
d. Share Premiume. Retained Earningf. Others Reserves Fundg. Exchange Fluctuation Fund
2 BORROWINGS a. NRB
b. "A"Class Licensed Institutionc. Foreign Banks and Fin. Ins.d. Other Financial Ins.e. Bonds and Securities
3 DEPOSITSa. Current Domestic Foreignb. Savings Domestic Foreignc. Fixed Domestic Foreignd. Call Depositse. Others
4 Bills Payable5 Other Liabilities
1. Sundry Creditors 2. Loan Loss Provision 3. Interest Suspense a/c 4. Others
6 Reconcillation A/c7 Profit & Loss A/c
Assets1 LIQUID FUNDS
a. Cash Balance Nepalese Notes & Coins Foreign Currencyb. Bank Balance 1. In Nepal Rastra Bank Domestic Currency Foreign Currency 2. "A"Class Licensed Institution Domestic Currency Foreign Currency 3. Other Financial Ins. 4. In Foreign Banksc. Money at Call Domestic Currency Foreign Currency
2 INVESTMENT IN SECURITIESa. Govt.Securities b. NRB Bond c. Govt.Non‐Fin. Ins. d. Other Non‐Fin Ins.e Non Residents
3 SHARE & OTHER INVESTMENT a. Non Residents b. Others
4 LOANS & ADVANCES a. Private Sector b. Financial Institutions c. Government Organizations
5 BILL PURCHASED a. Domestic Bills Purchased b. Foreign Bills Purchased c. Import Bills & Imports
6 LOANS AGAINST COLLECTED BILLS a. Against Domestic Bills b. Against Foreign Bills
7 FIXED ASSETS8 OTHER ASSETS
a. Accrued Interest: b. Staff Loans / Adv. c. Sundry Debtors d. Cash In Transit e. Others
9 Expenses not Written off10 Non Banking Assets11 Reconcillation Account12 Profit & Loss A/c
TOTAL LIABILITIES
TOTAL ASSETS
Him
alay
a
Uni
on
Gor
kha
Pasc
him
anc
hal
NH
MFL
Uni
vers
al
Sam
jhan
a
Goo
dwill
Sidd
hart
ha
FC Sri
Inve
stm
ent
Lum
bini
Inve
sta
Yeti
Stan
dard
ILFC
O
160.30 234.20 175.41 278.88 278.30 190.87 365.41 212.63 211.54 438.32 75.01 220.28 1102.29 2277.10140.00 176.20 160.39 178.52 220.30 152.00 300.00 130.87 160.00 268.13 24.00 180.32 1001.88 2008.80
8.30 29.89 14.11 57.49 50.87 37.04 22.93 29.41 50.47 78.39 11.94 30.09 43.38 109.380.07 0.22 1.41 5.33 1.43 3.59
7.20 26.77 0.23 5.46 1.74 0.54 41.07 52.35 1.07 78.52 32.91 8.45 48.63 155.334.80 1.34 0.61 37.42 5.17 1.29 7.97 6.15 8.40
180.00 20.00 171.50 77.50 127.40
180.00 78.00 77.50 127.40
20.00 93.50
526.59 960.30 290.62 1484.71 1513.51 918.24 1381.23 1042.38 1236.05 1355.52 1051.20 2633.28 1434.048.53 19.17 5.628.53 19.17 5.62
77.85 177.06 44.06 592.94 118.25 167.33 496.48 427.77 281.91 283.65 355.05 936.31 243.7577.85 177.06 44.06 592.94 118.25 167.33 496.48 427.77 281.91 283.65 355.05 936.31 243.75
448.74 691.48 246.56 891.77 1178.85 714.05 884.65 610.69 954.14 983.13 616.42 1393.43 1099.37448.74 691.48 246.56 891.77 1178.85 714.05 884.65 610.69 954.14 983.13 616.42 1393.43 1099.37
57.32 284.32 59.4525.90 216.41 36.85 0.10 3.93 88.74 79.74 0.05 25.85
0.1865.23 71.60 65.28 246.97 279.80 127.57 146.66 95.07 73.33 319.16 18.99 110.32 180.83 487.0610.03 0.92 6.53 12.84 4.27 7.38 5.16 2.23 0.12 3.08 0.01 28.2218.99 27.44 29.05 61.30 65.01 22.93 24.83 22.88 15.49 138.46 15.32 32.26 69.99 187.06
5.67 15.93 23.80 40.71 33.46 34.10 12.84 17.02 3.94 131.89 26.75 46.23 155.4430.54 28.23 11.51 138.43 181.32 57.71 104.72 47.79 48.74 46.59 3.56 48.23 64.60 116.34
7.700.87 10.01 1.49 5.49 6.29 10.67 13.94 14.99 2.85 4.80 10.69 45.32
932.12 1287.15 531.30 2020.57 2073.09 1413.68 1977.08 1360.74 1534.86 2127.99 96.85 1386.61 4054.49 4251.22
167.88 172.98 73.87 484.35 167.67 172.52 167.42 308.83 209.79 309.93 20.60 351.57 773.81 931.507.39 5.22 3.00 28.69 4.22 1.96 46.56 9.31 12.63 12.99 0.01 9.96 94.32 14.687.39 5.22 3.00 28.69 4.22 1.96 46.56 9.31 12.63 12.99 0.01 9.96 94.32 14.68
160.49 58.02 60.68 455.66 68.56 60.04 120.85 299.52 197.16 66.26 20.60 23.34 679.50 916.8221.72 56.30 7.04 28.68 64.57 45.54 34.40 25.35 35.18 32.19 0.01 0.30 141.98 103.2821.72 56.30 7.04 28.68 64.57 45.54 34.40 25.35 35.18 32.19 0.01 0.30 141.98 103.28
138.77 1.59 52.87 282.31 3.86 14.50 86.46 145.64 121.00 1.49 20.59 22.98 344.67 711.15138.77 1.59 52.87 282.31 3.86 14.50 86.46 145.64 121.00 1.49 20.59 22.98 344.67 711.15
0.13 0.77 144.68 0.12 128.53 40.97 32.58 0.07 192.85 102.39
109.74 10.19 94.89 110.52 230.68 318.27109.74 10.19 94.89 110.52 230.68 318.27
44.97 12.76 32.50 94.86 20.00 131.48 50.00 45.49 53.63 25.00 30.63 129.79 167.0544.97 12.76 32.50 43.29 20.00 131.48 50.00 45.49 53.63 25.00 30.63 129.79 167.05
51.58
0.07 6.12 0.73 18.23 17.45 3.57 56.94 4.49 0.30 19.20 0.64 27.16 51.26
0.07 6.12 0.73 18.23 17.45 3.57 56.94 4.49 0.30 19.20 0.64 27.16 51.26721.58 977.82 356.81 1300.70 1511.75 1019.71 1292.08 909.90 1136.66 1548.95 41.25 924.67 2781.42 2813.01721.58 974.57 356.81 1300.70 1511.75 909.90 1136.66 1548.95 924.67 2781.42 2782.01
1009.74 1292.08 41.25 31.003.25 9.97
4.404.40
16.33 31.88 55.87 47.18 132.71 103.69 241.00 20.87 123.92 14.37 2.28 16.58 195.54 72.8518.21 53.13 24.65 131.34 147.23 91.77 77.42 60.95 17.27 168.11 7.71 53.55 117.43 203.94
5.67 15.93 23.86 42.21 33.46 81.25 44.49 17.02 5.22 131.89 3.26 32.68 46.23 159.106.66 6.72 11.65 7.49 1.74 11.20 0.59 1.54 0.14 1.27 8.210.89 14.92 0.34 4.81 3.03 0.29 13.20 2.74 0.01 13.47 0.00 12.20
0.914.99 15.56 0.45 71.76 106.28 7.49 30.91 19.52 8.71 34.68 4.31 6.13 62.98 32.65
0.26 0.05 1.43 10.74 11.561.55 5.43 1.41 0.98 5.16 1.43 8.97 22.62 0.05
0.85 0.55 13.81 2.336.49 6.57
932.12 1287.15 531.30 2020.57 2073.09 1413.68 1977.08 1360.74 1534.86 2127.99 96.85 1386.61 4054.49 4251.22
27
Statement of Assets and Liabilities as on Poush end 2068
Rs. in million
Liabilities
1 CAPITAL FUND a. Paid‐up Capital
b. Calls in Advance c. General Reserves
d. Share Premiume. Retained Earningf. Others Reserves Fundg. Exchange Fluctuation Fund
2 BORROWINGS a. NRB
b. "A"Class Licensed Institutionc. Foreign Banks and Fin. Ins.d. Other Financial Ins.e. Bonds and Securities
3 DEPOSITSa. Current Domestic Foreignb. Savings Domestic Foreignc. Fixed Domestic Foreignd. Call Depositse. Others
4 Bills Payable5 Other Liabilities
1. Sundry Creditors 2. Loan Loss Provision 3. Interest Suspense a/c 4. Others
6 Reconcillation A/c7 Profit & Loss A/c
Assets1 LIQUID FUNDS
a. Cash Balance Nepalese Notes & Coins Foreign Currencyb. Bank Balance 1. In Nepal Rastra Bank Domestic Currency Foreign Currency 2. "A"Class Licensed Institution Domestic Currency Foreign Currency 3. Other Financial Ins. 4. In Foreign Banksc. Money at Call Domestic Currency Foreign Currency
2 INVESTMENT IN SECURITIESa. Govt.Securities b. NRB Bond c. Govt.Non‐Fin. Ins. d. Other Non‐Fin Ins.e Non Residents
3 SHARE & OTHER INVESTMENT a. Non Residents b. Others
4 LOANS & ADVANCES a. Private Sector b. Financial Institutions c. Government Organizations
5 BILL PURCHASED a. Domestic Bills Purchased b. Foreign Bills Purchased c. Import Bills & Imports
6 LOANS AGAINST COLLECTED BILLS a. Against Domestic Bills b. Against Foreign Bills
7 FIXED ASSETS8 OTHER ASSETS
a. Accrued Interest: b. Staff Loans / Adv. c. Sundry Debtors d. Cash In Transit e. Others
9 Expenses not Written off10 Non Banking Assets11 Reconcillation Account12 Profit & Loss A/c
TOTAL LIABILITIES
TOTAL ASSETS
Mah
alax
mi
Lalit
pur
Bhaj
urat
na
Uni
ted
Gen
eral
Prog
ress
ive
Alpi
c Ev
eres
t
Nav
adur
ga
Jana
ki
Pokh
ara
Cent
ral
Prem
ier
Arun
Mul
tipur
pos
e
Butw
al
485.07 281.43 99.88 405.39 172.02 131.66 172.99 145.75 155.25 419.58 236.51 155.06 112.99 31.28 250.75420.00 187.95 78.62 350.80 96.97 120.00 107.87 126.63 97.50 312.00 168.36 120.81 150.00 25.00 208.99
32.93 8.0057.96 63.33 11.75 47.25 11.03 2.35 19.04 18.32 35.08 60.78 28.23 17.06 1.96 1.44 23.52
1.49 3.89 4.84 4.32 0.12 0.43 0.247.11 30.15 6.19 5.84 38.58 ‐0.76 0.22 0.52 22.67 42.48 37.07 16.75 ‐46.97 3.88 17.30
3.32 0.00 21.54 5.23 12.93 0.27 2.74 0.96 0.70
10.00 20.80 25.00 30.00 63.60
20.80 15.00 30.00 63.60
10.00 10.00
2185.32 1632.70 183.34 2549.70 898.35 194.83 713.78 1069.06 763.33 1509.57 1695.30 1035.41 180.88 70.34 1324.76
1016.43 591.06 36.95 1012.80 294.76 87.57 338.88 468.11 231.49 800.74 691.56 321.35 71.99 22.50 558.301016.43 591.06 36.95 1012.80 294.76 87.57 338.88 468.11 231.49 800.74 691.56 321.35 71.99 22.50 558.30
1164.88 1031.87 145.73 1536.90 603.59 107.26 374.89 600.95 511.31 708.84 1003.73 608.61 108.89 47.83 755.841164.88 1031.87 145.73 1536.90 603.59 107.26 374.89 600.95 511.31 708.84 1003.73 608.61 108.89 47.83 755.84
4.02 9.77 0.66 20.52 105.46 10.615.74
132.07 447.00 44.22 140.49 139.72 31.99 139.02 90.16 231.54 224.55 137.10 141.57 114.76 34.71 217.3010.89 0.65 15.98 18.20 6.64 2.16 2.03 2.34 3.69 52.69 6.98 21.00 0.39 3.88 4.5451.71 127.37 10.65 55.87 32.85 15.32 33.43 18.12 59.61 126.06 29.12 49.32 81.36 10.06 56.6413.12 230.19 7.17 30.48 74.20 11.27 48.99 13.00 72.07 39.60 55.88 56.16 16.24 9.81 48.4656.35 88.80 10.42 35.94 26.03 3.24 54.57 56.70 96.16 6.19 45.12 15.09 16.77 10.96 107.66
0.98 574.11 ‐2.04 10.7710.87 3.45 1.87 12.67 8.34 1.79 12.04 47.63 5.38 3.36
2823.33 2386.37 329.31 3682.36 1233.05 366.82 1057.57 1322.76 1197.75 2153.71 2074.29 1335.41 419.40 136.32 1856.41
584.95 121.65 104.49 655.99 119.80 89.84 130.23 303.12 184.75 608.91 390.64 150.68 52.23 8.48 430.8625.57 4.33 0.38 35.19 9.16 2.72 4.17 9.55 1.89 10.64 16.05 22.30 2.62 0.03 29.4525.57 4.33 0.38 35.19 9.16 2.72 4.17 9.55 1.89 10.64 16.05 22.30 2.62 0.03 29.45
77.22 97.32 104.11 620.80 110.64 87.12 126.06 293.57 19.76 64.31 60.36 128.38 13.68 8.45 401.4175.40 81.07 8.16 183.49 20.58 17.78 39.52 38.80 15.81 64.31 60.36 22.29 13.40 41.3275.40 81.07 8.16 183.49 20.58 17.78 39.52 38.80 15.81 64.31 60.36 22.29 13.40 41.32
1.66 16.26 95.95 319.46 47.14 11.81 36.03 140.25 3.95 44.42 0.28 8.45 161.681.66 16.26 95.95 319.46 47.14 11.81 36.03 140.25 3.95 44.42 0.28 8.45 161.68
0.17 117.84 42.93 57.53 50.51 114.52 61.67 198.41
482.16 20.00 163.10 533.95 314.23 35.93482.16 20.00 163.10 533.95 314.23 35.93
172.06 17.50 4.25 62.50 15.00 3.20 30.00 33.37 13.82 30.00 26.60 70.16172.06 17.50 4.25 62.50 15.00 3.20 30.00 33.37 13.82 30.00 26.60 70.16
130.67 15.54 53.03 0.43 20.10 2.42 3.00 71.63 241.90 0.05 31.99 1.70 3.10 0.19 7.60
130.67 15.54 53.03 0.43 20.10 2.42 3.00 71.63 241.90 0.05 31.99 1.70 3.10 0.19 7.601855.47 1873.15 133.13 2256.55 949.21 241.79 724.27 819.80 656.10 1334.76 1468.47 984.65 211.45 105.56 1175.401835.47 1873.15 133.13 2256.55 939.21 237.80 720.25 802.91 653.92 1326.76 1468.47 984.65 211.45 105.56 1175.40
20.00 10.00 3.99 4.02 15.36 8.001.52 2.18
29.84 44.56 1.59 77.99 6.11 5.66 63.63 46.59 14.86 128.00 49.13 50.91 29.38 2.04 78.1447.75 312.53 32.83 51.37 96.33 22.86 73.57 47.01 81.56 64.36 84.81 111.50 30.30 17.00 75.2913.12 230.19 7.68 30.96 74.21 11.27 48.99 13.00 72.07 47.97 55.88 94.66 16.24 9.81 48.46
5.03 20.33 0.33 0.90 3.47 0.50 0.71 0.43 0.99 0.07 2.98 4.827.56 5.83 10.70 16.01 18.61 6.49 5.83 26.97 0.39 0.05 3.93 1.46 4.42 0.96 17.06
22.04 56.18 14.11 3.50 0.05 4.60 18.04 6.61 9.09 16.34 24.02 15.38 9.57 3.25 4.951.06 2.96 1.57 0.02 1.761.20 0.45 0.01 15.61 1.04 30.01 4.76 19.25 9.36 4.38 0.71 1.260.33 0.98 574.58 1.87 1.30 1.23 9.28
9.04 17.63 79.27 2.32 15.942823.33 2386.37 329.31 3682.36 1233.05 366.82 1057.57 1322.76 1197.75 2153.71 2074.29 1335.41 419.40 136.32 1856.41
28
Statement of Assets and Liabilities as on Poush end 2068
Rs. in million
Liabilities
1 CAPITAL FUND a. Paid‐up Capital
b. Calls in Advance c. General Reserves
d. Share Premiume. Retained Earningf. Others Reserves Fundg. Exchange Fluctuation Fund
2 BORROWINGS a. NRB
b. "A"Class Licensed Institutionc. Foreign Banks and Fin. Ins.d. Other Financial Ins.e. Bonds and Securities
3 DEPOSITSa. Current Domestic Foreignb. Savings Domestic Foreignc. Fixed Domestic Foreignd. Call Depositse. Others
4 Bills Payable5 Other Liabilities
1. Sundry Creditors 2. Loan Loss Provision 3. Interest Suspense a/c 4. Others
6 Reconcillation A/c7 Profit & Loss A/c
Assets1 LIQUID FUNDS
a. Cash Balance Nepalese Notes & Coins Foreign Currencyb. Bank Balance 1. In Nepal Rastra Bank Domestic Currency Foreign Currency 2. "A"Class Licensed Institution Domestic Currency Foreign Currency 3. Other Financial Ins. 4. In Foreign Banksc. Money at Call Domestic Currency Foreign Currency
2 INVESTMENT IN SECURITIESa. Govt.Securities b. NRB Bond c. Govt.Non‐Fin. Ins. d. Other Non‐Fin Ins.e Non Residents
3 SHARE & OTHER INVESTMENT a. Non Residents b. Others
4 LOANS & ADVANCES a. Private Sector b. Financial Institutions c. Government Organizations
5 BILL PURCHASED a. Domestic Bills Purchased b. Foreign Bills Purchased c. Import Bills & Imports
6 LOANS AGAINST COLLECTED BILLS a. Against Domestic Bills b. Against Foreign Bills
7 FIXED ASSETS8 OTHER ASSETS
a. Accrued Interest: b. Staff Loans / Adv. c. Sundry Debtors d. Cash In Transit e. Others
9 Expenses not Written off10 Non Banking Assets11 Reconcillation Account12 Profit & Loss A/c
TOTAL LIABILITIES
TOTAL ASSETS
Srija
na
Om
CMB
WM
BFL
CMBF
CL
Crys
tal
Roya
l
Guh
eshw
ori
Pata
n
Few
a
Ever
est
Prud
entia
l
ICFC
IME
Saga
rmat
ha
69.76 289.94 124.41 116.56 167.32 147.82 363.12 189.53 142.33 353.91 102.33 383.59 400.62 584.32 192.4936.40 246.75 150.00 181.98 935.07 70.00 299.09 135.35 110.00 300.30 74.85 293.06 355.73 431.84 137.5026.70 24.49 68.65
4.25 33.46 18.33 20.69 37.10 10.38 21.11 23.72 7.42 42.83 6.19 13.72 43.28 59.56 16.001.04 0.28 1.36 2.61 0.39 0.48 3.49 0.83 3.97 5.41
2.41 8.24 ‐74.05 ‐87.47 ‐807.47 26.15 40.98 10.16 23.94 7.29 20.45 71.56 0.52 20.30 31.080.44 29.86 16.80 1.54 20.30 0.50 5.25 1.08 2.51
88.06 112.85 309.48 124.00 4.00 159.90 30.00
34.00 101.00 174.85 104.00 147.40 30.00
54.06 11.85 134.63 20.00 4.00 12.50
130.98 2433.19 493.96 653.69 1912.87 641.18 1857.73 742.35 362.99 2189.82 292.46 768.32 2979.15 4977.71 1220.39
81.61 1114.12 244.76 294.80 450.97 328.24 953.13 156.97 155.38 917.38 158.97 332.76 1534.45 3642.75 366.0181.61 1114.12 244.76 294.80 450.97 328.24 953.13 156.97 155.38 917.38 158.97 332.76 1534.45 3642.75 366.01
41.66 1319.07 249.20 358.90 858.20 310.18 902.08 506.90 207.61 1066.57 133.49 435.22 1442.83 881.68 688.6741.66 1319.07 249.20 358.90 858.20 310.18 902.08 506.90 207.61 1066.57 133.49 435.22 1442.83 881.68 688.67
7.72 603.70 2.76 2.51 78.48 205.87 0.34 1.88 453.28 165.710.36 0.07 0.00
33.57 139.79 139.19 298.46 3277.37 213.29 140.64 91.03 85.06 167.61 45.76 268.94 215.63 246.87 78.7618.68 0.74 0.50 4.06 15.69 1.13 0.36 5.98 0.46 0.57 5.40 1.00 1.76 49.37 0.74
2.54 35.21 57.61 154.34 2557.01 37.97 38.50 35.79 25.92 57.49 13.29 102.31 51.94 116.87 32.071.84 30.49 22.45 99.96 347.72 77.49 45.48 12.88 22.14 27.73 7.22 41.59 32.51 37.53 16.85
10.51 73.35 58.63 40.10 356.95 96.70 56.30 36.39 36.55 81.82 19.86 124.04 129.41 43.09 29.09214.64
5.95 20.06 6.42 9.83 22.96 6.49 2.52 16.31 33.82 0.23240.25 2883.34 763.98 1156.78 5470.41 1311.76 2495.38 1045.88 594.39 2717.83 443.07 1580.76 3641.72 5842.72 1706.51
48.70 538.18 195.09 24.95 129.05 49.79 385.16 216.50 76.45 734.66 152.28 59.45 888.24 1358.01 291.662.99 29.96 2.52 9.49 3.99 1.85 22.44 5.20 2.73 47.79 4.71 4.39 76.68 108.08 11.182.99 29.96 2.52 9.49 3.99 1.85 22.44 5.11 2.73 47.79 4.70 4.33 76.68 108.08 11.18
0.10 0.01 0.0717.52 508.22 192.57 9.95 125.07 47.54 91.95 15.24 73.72 97.45 147.57 55.06 751.56 260.61 280.48
6.19 49.82 10.08 0.50 15.53 0.98 90.18 15.07 31.63 90.15 5.73 29.28 64.96 178.56 33.736.19 49.82 10.08 0.50 15.53 0.98 90.18 15.07 31.63 90.15 5.73 29.28 64.96 178.56 33.73
10.33 315.38 1.19 1.36 38.21 45.64 1.74 0.16 38.58 7.03 115.28 18.00 225.96 82.05 84.6210.33 315.38 1.19 1.36 38.21 45.64 1.74 0.16 38.58 7.03 115.28 18.00 225.96 82.05 84.62
1.00 143.02 181.30 8.09 71.33 0.91 0.02 0.01 3.50 0.26 26.56 7.78 460.65 162.13
28.19 5.51 0.40 270.77 196.05 589.43 60.00 989.3228.19 5.51 0.40 270.77 196.05 589.43 60.00 989.32
0.32 74.55 20.00 32.00 0.20 92.85 28.00 0.55 32.03 29.94 119.74 35.0074.55 20.00 32.00 0.20 92.85 28.00 0.55 32.03 29.94 119.74 35.00
0.321.03 11.76 40.08 10.03 5.60 70.40 10.19 57.63 0.55 18.18 76.10 2.09 61.63
3.10 42.691.03 11.76 40.08 10.03 2.50 27.71 10.19 57.63 0.55 18.18 76.10 2.09 61.63
167.98 2145.19 416.92 877.82 3020.31 963.84 1727.92 709.21 356.07 1895.67 265.22 1098.82 2421.95 3799.05 1052.41167.98 2145.19 416.92 866.58 2820.52 653.79 1686.35 709.21 353.27 1895.67 265.22 1083.82 2421.95 3764.05 1047.17
7.50 199.79 310.05 41.56 2.50 15.00 35.00 5.243.74 0.30
3.80 1.503.80 1.50
4.94 66.97 17.40 30.16 158.73 107.19 143.00 58.79 22.02 35.79 3.32 190.39 79.57 452.27 20.7817.36 54.99 87.76 132.01 466.81 166.65 71.89 22.49 61.31 50.99 21.70 106.33 145.14 111.55 30.38
1.84 30.49 22.45 105.80 347.72 77.49 45.48 12.88 28.04 27.73 7.22 41.76 49.31 37.53 16.851.39 4.34 1.89 12.66 0.36 4.61 2.10 0.88 14.03 22.32 14.40 0.053.52 4.75 2.44 0.06 3.96 61.33 0.31 4.64 0.24 3.13 2.28 3.86 1.93 2.64
10.60 15.40 60.97 13.49 114.76 27.83 21.48 4.97 30.94 20.13 11.32 50.53 69.65 57.69 10.830.17 2.44 0.30 4.17 0.69 0.780.79 14.76 2.74 5.66
0.66 0.04 0.16 214.6616.36 1685.44 18.49 11.46 74.06
240.25 2883.34 763.98 1156.78 5470.41 1311.76 2495.38 1045.88 594.39 2717.83 443.07 1580.76 3641.72 5842.72 1706.51
29
Statement of Assets and Liabilities as on Poush end 2068
Rs. in million
Liabilities
1 CAPITAL FUND a. Paid‐up Capital
b. Calls in Advance c. General Reserves
d. Share Premiume. Retained Earningf. Others Reserves Fundg. Exchange Fluctuation Fund
2 BORROWINGS a. NRB
b. "A"Class Licensed Institutionc. Foreign Banks and Fin. Ins.d. Other Financial Ins.e. Bonds and Securities
3 DEPOSITSa. Current Domestic Foreignb. Savings Domestic Foreignc. Fixed Domestic Foreignd. Call Depositse. Others
4 Bills Payable5 Other Liabilities
1. Sundry Creditors 2. Loan Loss Provision 3. Interest Suspense a/c 4. Others
6 Reconcillation A/c7 Profit & Loss A/c
Assets1 LIQUID FUNDS
a. Cash Balance Nepalese Notes & Coins Foreign Currencyb. Bank Balance 1. In Nepal Rastra Bank Domestic Currency Foreign Currency 2. "A"Class Licensed Institution Domestic Currency Foreign Currency 3. Other Financial Ins. 4. In Foreign Banksc. Money at Call Domestic Currency Foreign Currency
2 INVESTMENT IN SECURITIESa. Govt.Securities b. NRB Bond c. Govt.Non‐Fin. Ins. d. Other Non‐Fin Ins.e Non Residents
3 SHARE & OTHER INVESTMENT a. Non Residents b. Others
4 LOANS & ADVANCES a. Private Sector b. Financial Institutions c. Government Organizations
5 BILL PURCHASED a. Domestic Bills Purchased b. Foreign Bills Purchased c. Import Bills & Imports
6 LOANS AGAINST COLLECTED BILLS a. Against Domestic Bills b. Against Foreign Bills
7 FIXED ASSETS8 OTHER ASSETS
a. Accrued Interest: b. Staff Loans / Adv. c. Sundry Debtors d. Cash In Transit e. Others
9 Expenses not Written off10 Non Banking Assets11 Reconcillation Account12 Profit & Loss A/c
TOTAL LIABILITIES
TOTAL ASSETS
Shik
har
Civi
l
Prab
hu
Impe
rial
Kube
r
NEF
L
Valle
y
Seti
ham
a
relia
ble
Lord
Bud
dha
Swas
tik
Api
Nam
aste
Kask
i
148.33 168.01 526.04 164.11 195.01 161.55 153.03 51.15 164.92 257.37 198.55 120.09 132.97 20.37 257.38137.50 130.00 469.20 149.73 150.00 143.00 128.00 40.00 200.00 221.39 168.27 114.00 126.00 14.20 240.74
25.2310.24 9.48 39.46 12.85 2.57 8.71 5.10 2.59 0.85 26.04 10.24 5.48 5.29 1.56 13.96
0.10 0.18 3.41 0.62 0.03 0.45 0.330.49 28.04 13.40 1.53 16.59 9.33 19.93 8.56 ‐35.93 9.94 0.42 1.23 4.60 2.35
0.31 0.57 0.51 20.02 0.19
23.80 79.30 79.899.00
23.80 15.40 79.89
54.90
608.09 457.95 6027.15 755.29 871.58 515.85 885.45 118.36 367.22 1743.85 573.23 300.36 702.76 79.17 1100.69
249.79 194.44 4611.58 266.78 253.23 341.77 186.46 85.43 104.04 1235.49 395.82 147.29 498.23 68.71 622.76249.79 194.44 4611.58 266.78 253.23 341.77 186.46 85.43 104.04 1235.49 395.82 147.29 498.23 68.71 622.76
356.90 235.26 1385.36 488.52 618.35 173.96 436.55 32.93 158.60 508.37 177.41 152.99 204.53 10.42 477.92356.90 235.26 1385.36 488.52 618.35 173.96 436.55 32.93 158.60 508.37 177.41 152.99 204.53 10.42 477.92
1.41 28.25 30.21 0.13 262.44 104.58 0.08 0.04
71.01 51.69 243.40 60.49 149.44 27.41 82.91 17.18 212.25 108.10 31.01 15.85 26.35 2.86 54.960.26 0.19 1.67 0.64 18.24 5.71 3.48 0.35 0.12 23.17 0.43 0.39 0.26 0.07 1.57
21.64 14.92 52.13 20.49 36.70 5.39 30.16 5.96 151.41 35.45 12.52 3.99 8.65 1.62 18.9911.85 18.87 39.48 24.01 68.89 1.37 21.45 4.37 49.51 27.48 5.54 3.62 4.39 0.21 13.0137.26 17.71 150.12 15.35 25.61 14.93 27.82 6.50 11.21 22.00 12.53 7.86 13.04 0.96 21.38
43.10 482.73 0.00 ‐0.20 0.075.92 2.54 30.87 5.44 8.17 1.71 2.79 11.67 3.29 4.13 6.58 2.58 10.05
857.15 680.19 6827.46 1028.43 1778.06 712.97 1122.90 189.47 744.39 2200.95 806.09 440.43 868.66 104.97 1423.07
155.74 155.01 1784.16 252.93 73.21 206.58 224.13 38.05 152.21 672.53 289.67 147.75 309.35 28.93 353.495.70 1.25 223.85 3.78 16.24 6.99 17.66 3.45 4.02 40.58 4.13 1.82 9.88 1.90 13.365.70 1.25 223.72 3.78 16.24 6.98 17.66 3.42 4.02 40.58 4.13 1.82 9.88 1.82 13.36
0.13 0.01 0.03 0.08150.04 153.75 1560.31 249.15 56.97 199.59 206.47 34.60 8.46 30.14 285.54 145.92 20.41 2.23 340.13
23.45 10.04 1161.08 46.59 1.91 32.68 30.58 0.16 6.94 29.44 11.72 13.77 19.81 26.1923.45 10.04 1161.06 46.59 1.91 32.68 30.58 0.16 6.94 29.44 11.72 13.77 19.81 26.19
0.0256.00 9.65 260.29 179.69 8.22 96.26 118.84 15.19 1.24 0.70 120.01 116.26 0.31 2.22 109.6956.00 9.65 260.22 179.69 8.22 96.26 118.84 15.19 1.24 0.70 120.01 116.26 0.31 2.22 109.69
0.0770.60 134.07 138.94 22.87 46.84 70.65 57.05 19.25 0.28 153.81 15.89 0.29 0.01 204.24
139.74 601.81 279.06 24.80139.74 601.81 279.06 24.80
24.68 20.00 82.09 10.00 9.99 24.98 1.50 17.05 94.49 16.00 4.00 29.9424.68 20.00 82.09 10.00 9.99 24.98 1.50 17.05 89.49 16.00 4.00 29.94
5.00
12.30 3.21 35.00 14.88 0.10 0.10 0.10 1.00 44.13 0.40 5.10
12.30 3.21 35.00 14.88 0.10 0.10 0.10 1.00 44.13 0.40 5.10640.66 456.27 3916.39 626.79 1062.54 460.19 812.47 141.01 445.83 1256.76 443.20 270.33 519.42 67.72 1005.77633.28 456.27 3916.39 612.60 1062.54 450.39 812.47 141.01 433.23 1229.26 433.44 270.33 519.42 67.72 1005.77
7.38 14.19 8.50 12.60 27.50 9.501.30 0.26
19.98 2.6019.98 2.60
5.27 2.32 311.11 27.38 30.16 9.54 22.75 1.43 7.64 134.46 3.94 5.61 11.75 0.59 16.1529.41 34.18 666.42 33.22 102.23 11.42 38.11 6.16 99.12 40.38 9.16 11.40 27.06 2.63 17.5611.85 19.23 43.93 24.01 68.89 1.47 21.45 4.36 49.51 27.81 5.53 3.62 4.39 0.21 13.01
2.95 0.70 6.77 6.19 4.36 0.91 1.38 0.45 1.33 0.15 2.88 11.90 0.13 0.090.81 0.48 2.56 0.15 20.80 4.84 5.30 0.47 0.19 5.59 0.30 0.65 7.69 1.47 0.08
13.80 13.76 613.16 2.87 8.18 4.20 9.99 1.33 48.97 5.64 3.16 4.25 3.07 0.82 4.381.39 0.12 0.38 0.38 1.33 0.95 1.09 0.14
0.95 0.8544.10 43.10 482.30 0.36 0.02
24.08 22.45857.15 680.19 6827.46 1028.43 1778.06 712.97 1122.90 189.47 744.39 2200.95 806.09 440.43 868.66 104.97 1423.07
30
Statement of Assets and Liabilities as on Poush end 2068
Rs. in million
Liabilities
1 CAPITAL FUND a. Paid‐up Capital
b. Calls in Advance c. General Reserves
d. Share Premiume. Retained Earningf. Others Reserves Fundg. Exchange Fluctuation Fund
2 BORROWINGS a. NRB
b. "A"Class Licensed Institutionc. Foreign Banks and Fin. Ins.d. Other Financial Ins.e. Bonds and Securities
3 DEPOSITSa. Current Domestic Foreignb. Savings Domestic Foreignc. Fixed Domestic Foreignd. Call Depositse. Others
4 Bills Payable5 Other Liabilities
1. Sundry Creditors 2. Loan Loss Provision 3. Interest Suspense a/c 4. Others
6 Reconcillation A/c7 Profit & Loss A/c
Assets1 LIQUID FUNDS
a. Cash Balance Nepalese Notes & Coins Foreign Currencyb. Bank Balance 1. In Nepal Rastra Bank Domestic Currency Foreign Currency 2. "A"Class Licensed Institution Domestic Currency Foreign Currency 3. Other Financial Ins. 4. In Foreign Banksc. Money at Call Domestic Currency Foreign Currency
2 INVESTMENT IN SECURITIESa. Govt.Securities b. NRB Bond c. Govt.Non‐Fin. Ins. d. Other Non‐Fin Ins.e Non Residents
3 SHARE & OTHER INVESTMENT a. Non Residents b. Others
4 LOANS & ADVANCES a. Private Sector b. Financial Institutions c. Government Organizations
5 BILL PURCHASED a. Domestic Bills Purchased b. Foreign Bills Purchased c. Import Bills & Imports
6 LOANS AGAINST COLLECTED BILLS a. Against Domestic Bills b. Against Foreign Bills
7 FIXED ASSETS8 OTHER ASSETS
a. Accrued Interest: b. Staff Loans / Adv. c. Sundry Debtors d. Cash In Transit e. Others
9 Expenses not Written off10 Non Banking Assets11 Reconcillation Account12 Profit & Loss A/c
TOTAL LIABILITIES
TOTAL ASSETS
Sury
adar
sha
n
Zeni
th
Uni
que
Man
jush
ree
Subh
alax
mi
Jebi
ls
Relia
nce
Lotu
s
Baib
hav
Bhak
tapu
r
118.92 216.58 207.76 179.26 210.08 106.46 153.45 127.07 148.91 128.90100.00 205.31 200.00 140.00 200.00 102.00 140.00 120.00 147.00 125.00
5.48 10.59 7.33 7.85 8.19 1.01 5.79 7.07 0.24 0.78
13.44 0.33 0.43 31.41 1.64 3.46 7.66 1.68 3.120.34 0.25
496.89 850.38 372.09 652.90 488.64 318.68 796.16 276.68 99.30 133.66
292.07 389.76 58.57 52.97 98.77 84.77 108.69 79.36 48.38 60.29292.07 389.76 58.57 52.97 98.77 84.77 108.69 79.36 48.38 60.29
204.63 269.14 211.67 225.50 351.92 148.54 344.29 110.86 26.87 13.45204.63 269.14 211.67 225.50 351.92 148.54 344.29 110.86 26.87 13.45
59.920.19 191.48 101.85 374.44 37.95 85.37 343.18 86.46 24.05
35.18 28.02 49.09 35.32 40.63 16.72 49.44 14.67 3.80 4.492.23 0.63 0.61 0.80 1.72 1.20 3.64 0.12 0.016.90 11.32 7.49 11.74 8.26 6.98 17.48 3.19 2.83 0.927.11 6.43 1.32 9.94 2.99 4.69 10.45 6.34
18.94 9.63 39.68 12.83 27.67 3.84 17.86 5.02 0.97 3.560.07
4.67 9.69 12.45 5.77 7.23 0.96 4.85 5.28 5.14 2.08655.65 1104.74 641.39 873.25 746.58 442.81 1003.90 423.70 257.15 269.12
189.44 302.28 179.17 182.70 216.20 117.91 372.70 131.20 163.16 125.216.25 28.43 4.73 10.15 4.33 5.98 17.24 0.92 1.30 3.136.25 28.43 4.73 10.15 4.33 5.98 17.24 0.92 1.30 3.13
183.19 273.84 174.44 172.55 211.87 111.93 355.46 130.29 161.86 122.0812.26 22.16 0.87 7.95 17.12 24.37 26.77 38.19 3.55 47.2112.26 22.16 0.87 7.95 17.12 24.37 26.77 38.19 3.55 47.21
65.66 72.47 42.45 152.79 61.19 27.47 26.72 2.44 66.35 50.9365.66 72.47 42.45 152.79 61.19 27.47 26.72 2.44 66.35 50.93
105.27 179.21 131.12 11.81 133.57 60.09 301.98 89.66 91.96 23.95
13.11 20.00 17.00 13.82 8.00 4.00 2.4913.11 20.00 17.00 13.82 8.00 4.00 2.49
3.21 2.10 0.94 6.00 40.00
3.21 2.10 0.94 6.00 40.00426.93 739.71 429.04 642.99 484.24 288.23 589.08 273.07 84.17 91.86416.32 739.71 419.34 626.39 473.74 284.23 577.38 267.77 91.86
8.88 9.70 16.60 10.50 4.00 11.70 5.30 84.171.74
9.18 7.95 2.91 20.89 15.03 9.63 9.03 4.91 8.06 6.5916.99 31.60 11.17 26.67 17.29 16.60 27.60 8.51 1.76 1.2910.54 6.43 1.32 9.94 2.99 5.00 6.06 6.34 0.10
0.58 18.86 0.41 10.87 6.72 6.57 0.31 0.10 0.281.14 0.31 1.75 1.20 1.03 2.34 0.46 0.09 0.28
4.73 5.99 7.69 4.65 7.58 4.01 18.89 1.61 1.39 0.911.51 1.49 1.68
655.65 1104.74 641.39 873.25 746.58 442.81 1003.90 423.70 257.15 269.12
31
Profit and Loss Accountupto Poush 2068
Rs. in million
Expenses NBL
RBB
NA
BIL
NIB
L
SCBN
L
HBL
NSB
I
1 Interest Expenses 1042.00 1491.66 1672.33 1959.08 565.14 1466.00 1278.75 1.1 Deposit Liabilities 1034.00 1484.31 1653.02 1915.24 563.07 1435.00 1272.72 1.1.1 Saving A/c 642.00 652.66 346.67 334.31 127.59 452.00 134.65 1.1.2 Fixed A/c 392.00 793.77 894.17 1070.48 288.22 744.00 1035.91 1.1.2.1 Upto 3 Months Fixed A/c 0.07 134.13 19.90 0.04 428.65 1.1.2.2 3 to 6 Months fixed A/c 1.38 178.83 2.42 108.83 1.1.2.3 6 Months to 1 Year Fixed A/c 616.90 447.08 45.45 308.33 1.1.2.4 Above 1 Year 392.00 175.42 134.13 1050.57 240.30 744.00 190.11 1.1.3 Call Deposit 37.88 412.18 510.45 147.26 239.00 102.16 1.1.4 Certificate of Deposits 1.2 Others 8.00 7.35 19.31 43.84 2.08 31.00 6.03 2 Commission/Fee Expense 31.70 64.93 42.26 3 Employees Expenses 669.00 653.09 244.44 159.73 179.72 258.00 147.26 4 Office Operatiing Expenses 239.00 446.08 196.40 202.62 180.81 306.00 218.03 5 Exchange Fluctuation Loss 0.10 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 0.10 6 Non‐Operatiing Expenses 2.19 0.15 7. Provision for Risk 857.00 455.69 551.41 424.35 109.06 146.00 45.30 7.1 Loan loss Provision 857.00 455.69 522.46 424.35 109.06 146.00 45.30
7.1.1 General Loan loss Provision 353.66 20.75 254.53 146.00 14.59 7.1.2 Special Loan Loss Provision 857.00 102.03 501.71 169.82 109.06 30.72 7.1.3 Additional Loan Loss Provision
7.2. Provision for Non‐Banking Assets 7.3. Provision for Loss on Investment 23.89 7.4. Provision for Loss of Other Assets 5.06 8 Loan Written Off 4.44 23.27 9 Provision for Staff Bonus 93.72 68.55 79.31 49.00 29.2410 Provision for Income Tax 278.49 206.81 237.93 146.00 88.4611 Others 0.4612 Net Profit 553.33 658.66 478.74 555.17 339.99 204.70
TOTAL EXPENSES 2807.00 3638.74 3760.38 3542.14 1930.42 2710.99 2011.90
Income 1. Interest Income 1866.00 2810.76 3022.34 2893.30 1485.21 2258.00 1748.92 1.1. On Loans and Advance 1680.00 2381.14 2559.32 2725.87 1076.67 1985.00 1372.17 1.2. On Investment 183.00 385.92 339.41 137.00 343.46 258.00 195.25 1.2.1 Government Bonds 183.00 377.70 333.24 137.00 343.13 258.00 155.73 1.2.2 Foreign Bonds 6.17 1.2.3 NRB Bonds 0.02 39.52 1.2.4 Deventure & Bonds 8.20 0.33 1.3 Agency Balance 39.46 0.03 28.54 0.39 164.27 1.4 On Call Deposit 3.00 2.39 96.52 1.89 4.77 15.00 0.65 1.5 Others 1.85 27.06 59.92 16.57 2. Comission & Discount 53.00 185.44 335.03 95.49 89.36 247.00 181.72 2.1 Bills Purchase & Discount 0.42 1.93 6.11 4.59 46.00 0.06 2.2 Comission 53.00 174.43 332.11 89.97 62.35 168.00 128.50 2.3 Others 10.59 0.99 ‐0.59 22.43 33.00 53.16 3 Income From Exchange Fluctuation 25.00 50.93 198.12 132.98 254.64 119.00 47.63 3.1 Due to Change in Exchange Rate 10.00 42.83 130.74 30.67 97.12 13.00 1.92 3.2 Due to Foreign Currency Trans. 15.00 8.10 67.38 102.31 157.52 106.00 45.71 4 Other Operating Income 136.77 419.95 18.88 82.00 5 Non Operating Income 18.53 9.17 0.42 0.02 4.00 0.14 6 Provision Written Back 6.00 295.68 194.54 65.77 27.45 7 Recovery from Written off Loan 55.00 86.33 1.18 16.55 6.05 8 Income from Extra Ordinary Expenses 79.00 54.30 0.99 9 Net Loss 723.00
TOTAL INCOME 2807.00 3638.74 3760.38 3542.14 1930.42 2710.99 2011.90
32
Profit and Loss Accountupto Poush 2068
Rs. in million
Expenses
1 Interest Expenses 1.1 Deposit Liabilities 1.1.1 Saving A/c 1.1.2 Fixed A/c 1.1.2.1 Upto 3 Months Fixed A/c 1.1.2.2 3 to 6 Months fixed A/c 1.1.2.3 6 Months to 1 Year Fixed A/c 1.1.2.4 Above 1 Year 1.1.3 Call Deposit 1.1.4 Certificate of Deposits 1.2 Others 2 Commission/Fee Expense 3 Employees Expenses 4 Office Operatiing Expenses 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 7. Provision for Risk 7.1 Loan loss Provision
7.1.1 General Loan loss Provision 7.1.2 Special Loan Loss Provision 7.1.3 Additional Loan Loss Provision
7.2. Provision for Non‐Banking Assets 7.3. Provision for Loss on Investment 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus10 Provision for Income Tax11 Others12 Net Profit
TOTAL EXPENSES
Income 1. Interest Income 1.1. On Loans and Advance 1.2. On Investment 1.2.1 Government Bonds 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 1.2.4 Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 1.5 Others 2. Comission & Discount 2.1 Bills Purchase & Discount 2.2 Comission 2.3 Others 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans. 4 Other Operating Income 5 Non Operating Income 6 Provision Written Back 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss
TOTAL INCOME
NBB
L
EBL
BOK
NCC NIC
LBL
MBL
Kum
ari
483.97 1473.70 752.26 493.32 824.70 316.89 757.38 795.06483.96 1462.34 736.52 490.11 813.11 316.83 741.48 765.87231.28 283.81 147.81 188.12 105.19 62.44 207.33 165.69148.30 848.01 431.49 202.17 521.91 224.85 338.83 412.71
156.82 16.81 1.1825.04 218.47 10.89 1.90
353.42 431.49 11.49 179.64 224.85 175.94123.26 119.30 190.68 314.57 159.81 412.71104.38 330.52 157.22 99.83 186.02 29.54 195.32 187.48
0.01 11.36 15.73 3.21 11.59 0.06 15.90 29.197.30
84.94 160.90 121.48 57.64 71.58 35.44 81.74 97.4664.46 204.85 153.57 67.57 97.43 47.55 139.23 94.88
12.26
12.264.52 0.52 0.01
206.06 34.87 63.20 54.56 31.54 58.38 204.11185.98 34.87 63.20 54.56 31.54 58.38 204.11
23.30 34.87 12.41 31.54 12.82162.68 19.01 54.56 58.38 191.30
31.7813.58
6.50
78.75 58.1469.58 39.03 30.00 8.73 0.83 3.59
208.73 120.10 89.99 31.04 2.48 10.77
147.64 487.03 270.22 107.94 209.98 56.26 5.79 25.13998.90 2639.66 1519.86 859.78 1324.20 527.44 1103.98 1243.28
684.33 2393.66 1306.96 693.60 1220.98 498.56 908.48 1129.90598.02 2140.62 1146.93 623.85 1060.47 456.71 872.59 1009.70
77.89 253.04 157.60 66.21 149.98 40.31 32.68 9.9965.17 160.28 156.95 56.18 94.19 40.31 30.74 9.99
10.60 5.5412.72 82.16 6.16 50.25
0.65 3.88 1.940.01 0.00 0.991.70 0.22 9.92 3.216.71 2.21 3.54 0.61 0.55 110.21
88.49 108.18 111.12 24.66 39.33 9.55 22.92 76.764.60 0.50 22.18 1.41 0.31 0.01 0.28 1.03
81.24 107.68 88.93 23.25 20.52 9.55 21.80 75.732.65 18.50 0.85
31.16 59.90 77.80 12.03 34.99 7.13 30.23 36.392.44 67.85 9.16 ‐2.38 2.51 4.45 36.39
28.72 ‐7.95 77.80 2.87 37.37 4.61 25.7921.05 75.83 0.70 23.93 28.90 8.23 22.5336.88 2.09 1.16 8.04 0.11
112.67 22.12 94.45 61.68 0.1224.31 0.18 58.14
3.07 3.79
998.90 2639.66 1519.86 859.78 1324.20 527.44 1103.98 1243.28
33
Profit and Loss Accountupto Poush 2068
Rs. in million
Expenses
1 Interest Expenses 1.1 Deposit Liabilities 1.1.1 Saving A/c 1.1.2 Fixed A/c 1.1.2.1 Upto 3 Months Fixed A/c 1.1.2.2 3 to 6 Months fixed A/c 1.1.2.3 6 Months to 1 Year Fixed A/c 1.1.2.4 Above 1 Year 1.1.3 Call Deposit 1.1.4 Certificate of Deposits 1.2 Others 2 Commission/Fee Expense 3 Employees Expenses 4 Office Operatiing Expenses 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 7. Provision for Risk 7.1 Loan loss Provision
7.1.1 General Loan loss Provision 7.1.2 Special Loan Loss Provision 7.1.3 Additional Loan Loss Provision
7.2. Provision for Non‐Banking Assets 7.3. Provision for Loss on Investment 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus10 Provision for Income Tax11 Others12 Net Profit
TOTAL EXPENSES
Income 1. Interest Income 1.1. On Loans and Advance 1.2. On Investment 1.2.1 Government Bonds 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 1.2.4 Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 1.5 Others 2. Comission & Discount 2.1 Bills Purchase & Discount 2.2 Comission 2.3 Others 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans. 4 Other Operating Income 5 Non Operating Income 6 Provision Written Back 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss
TOTAL INCOME
Laxm
i
SBL
AD
BNL
Glo
bal
Citiz
ens
Prim
e
BOA
Sunr
ise
827.03 1036.71 1190.10 742.28 730.80 1010.92 673.91 661.17812.15 1034.69 1181.69 742.28 718.01 1004.19 673.91 660.34175.82 130.58 441.33 334.34 116.82 71.23 84.49 190.22495.49 628.06 722.11 247.74 456.75 488.12 436.65 329.30
1.01 10.11 2.02 45.48 8.185.53 45.69 2.65 28.35 20.15 39.90
207.91 278.63 60.95 304.35 432.92 281.16281.05 293.63 656.49 247.74 78.57 35.05 436.65 0.06140.83 276.05 17.64 160.21 144.44 444.84 152.77 140.81
0.6114.88 2.02 8.41 12.79 6.73 0.84
5.93 0.35 1.2581.04 77.48 1036.81 69.64 51.30 43.47 69.53 92.6788.37 140.37 120.99 190.63 98.07 77.61 84.19 121.08
1.73
1.732.60 3.15
35.26 111.27 938.46 87.78 182.48 36.97 107.9135.26 111.27 932.26 87.78 152.05 36.97 84.57
8.92 111.27 87.75 5.20 16.38 2.07 84.5716.52 844.51 82.58 135.68 34.90
9.811.17
5.25 29.26 23.330.95
18.9525.26 13.31 66.83 14.99 10.04 16.58 5.5175.78 39.94 147.07 44.98 30.13 49.74 16.52
2.72176.83 93.19 688.27 104.95 113.52 70.31 116.06 38.55
1309.57 1512.27 4214.53 1176.55 1081.82 1424.98 1046.98 1044.66
1158.10 1379.17 3128.19 1048.86 945.84 1324.79 940.01 879.361107.82 1290.24 2883.47 957.63 885.49 1267.63 850.12 840.05
50.28 62.70 214.49 89.45 36.39 79.11 27.9048.35 214.49 89.21 36.39 79.11 0.82
62.70 27.081.93 0.24
0.16 0.02 9.4926.07 0.99 23.94
30.24 0.79 57.16 10.77 1.91103.84 86.13 51.19 74.66 38.22 26.10 43.44 42.19
4.54 0.40 6.35 0.55 0.07 0.5096.32 44.15 51.19 71.41 15.08 25.54 12.60 29.72
2.97 41.98 2.85 16.79 30.77 11.9740.00 46.97 21.84 24.82 12.26 12.38 ‐24.70 17.32
9.10 9.59 5.76 5.69 2.57 ‐37.48 0.8930.90 37.38 21.84 19.06 6.58 9.81 12.78 16.43
179.15 25.06 6.24 54.12 14.012.80 7.17 3.15 1.214.83 604.12 78.04 88.24 92.82
123.68 7.61 ‐1.030.01 99.18
1309.57 1512.27 4214.53 1176.55 1081.82 1424.98 1046.98 1044.66
34
Profit and Loss Accountupto Poush 2068
Rs. in million
Expenses
1 Interest Expenses 1.1 Deposit Liabilities 1.1.1 Saving A/c 1.1.2 Fixed A/c 1.1.2.1 Upto 3 Months Fixed A/c 1.1.2.2 3 to 6 Months fixed A/c 1.1.2.3 6 Months to 1 Year Fixed A/c 1.1.2.4 Above 1 Year 1.1.3 Call Deposit 1.1.4 Certificate of Deposits 1.2 Others 2 Commission/Fee Expense 3 Employees Expenses 4 Office Operatiing Expenses 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 7. Provision for Risk 7.1 Loan loss Provision
7.1.1 General Loan loss Provision 7.1.2 Special Loan Loss Provision 7.1.3 Additional Loan Loss Provision
7.2. Provision for Non‐Banking Assets 7.3. Provision for Loss on Investment 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus10 Provision for Income Tax11 Others12 Net Profit
TOTAL EXPENSES
Income 1. Interest Income 1.1. On Loans and Advance 1.2. On Investment 1.2.1 Government Bonds 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 1.2.4 Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 1.5 Others 2. Comission & Discount 2.1 Bills Purchase & Discount 2.2 Comission 2.3 Others 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans. 4 Other Operating Income 5 Non Operating Income 6 Provision Written Back 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss
TOTAL INCOME
DCB
L
NM
B
Kist
Jana
ta
Meg
a
CTBN
L
Civi
l Ban
k
Cent
ury
NID
C
518.65 629.50 778.01 223.67 356.97 181.47 229.40 101.65 14.95513.14 626.12 773.90 222.62 353.96 180.87 224.20 101.43 14.95280.28 79.05 286.41 18.26 113.64 22.69 16.63 26.64 2.15
48.30 411.66 355.12 121.41 179.26 74.65 98.13 48.05 11.838.82 0.83 13.62 52.02 8.850.01 18.55 5.24 8.17 3.98 0.10
42.12 85.25 290.88 86.36 118.76 54.89 48.05 0.036.18 317.59 44.86 16.19 0.32 74.65 30.41 11.70
182.03 135.40 132.37 82.95 61.06 83.53 109.44 26.75 0.962.525.51 3.38 4.12 1.05 3.01 0.60 5.20 0.21
0.1842.75 47.75 114.27 37.37 53.41 28.73 39.75 16.97 15.1046.42 75.45 138.25 51.69 71.21 44.51 52.93 32.93 15.56
0.520.52
‐37.09 87.50 33.55 60.18 74.67 16.52 21.87 7.37‐37.09 84.39 29.76 15.18 56.53 16.52 21.87 7.37
6.59 3.52 0.79 15.18 28.32 16.52 21.87 7.37‐43.68 80.87 30.61 28.21
‐1.642.610.50 3.79 18.14
45.000.10
7.91 0.34 0.16 7.7423.72 1.02 0.47 10.73
127.07 85.98 2.39 1.09 86.06729.95 926.19 1067.94 372.91 556.26 272.93 344.13 158.92 150.14
699.63 840.92 1007.16 331.04 483.90 248.71 302.37 142.67 67.02643.47 771.06 910.56 310.78 434.06 222.26 291.40 112.35 47.67
52.34 64.02 78.49 19.34 8.44 11.30 9.76 15.18 0.2052.34 63.25 78.49 19.33 8.44 1.45 9.76 0.20
0.01 9.84 15.180.77
0.51 0.00 0.030.09 5.69 0.91 14.04 1.22
3.83 5.74 11.91 0.00 27.32 15.16 15.14 19.159.00 14.25 52.10 28.48 7.49 21.39 17.94 10.941.38 0.60 0.87 0.11 0.297.63 13.27 12.64 26.62 7.38 1.57 17.64 0.96
0.38 38.58 1.86 19.82 9.974.69 21.65 8.51 6.56 10.32 2.82 8.24 0.72
0.57 0.24 2.33 10.02 2.82 ‐0.97 0.724.69 21.07 8.28 4.22 0.29 9.21
16.15 28.16 16.12 12.56 11.540.48 7.97 0.16 0.06 0.06 47.52
11.11 24.072.13
6.77 38.37 3.02 4.59729.95 926.19 1067.94 372.91 556.26 272.93 344.13 158.92 150.14
35
Profit and Loss Accountupto Poush 2068
Rs. in million
Expenses
1 Interest Expenses 1.1 Deposit Liabilities 1.1.1 Saving A/c 1.1.2 Fixed A/c 1.1.2.1 Upto 3 Months Fixed A/c 1.1.2.2 3 to 6 Months fixed A/c 1.1.2.3 6 Months to 1 Year Fixed A/c 1.1.2.4 Above 1 Year 1.1.3 Call Deposit 1.1.4 Certificate of Deposits 1.2 Others 2 Commission/Fee Expense 3 Employees Expenses 4 Office Operatiing Expenses 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 7. Provision for Risk 7.1 Loan loss Provision
7.1.1 General Loan loss Provision 7.1.2 Special Loan Loss Provision 7.1.3 Additional Loan Loss Provision
7.2. Provision for Non‐Banking Assets 7.3. Provision for Loss on Investment 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus10 Provision for Income Tax11 Others12 Net Profit
TOTAL EXPENSES
Income 1. Interest Income 1.1. On Loans and Advance 1.2. On Investment 1.2.1 Government Bonds 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 1.2.4 Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 1.5 Others 2. Comission & Discount 2.1 Bills Purchase & Discount 2.2 Comission 2.3 Others 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans. 4 Other Operating Income 5 Non Operating Income 6 Provision Written Back 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss
TOTAL INCOME
Udd
hyam
Mal
ika
SDBL
UD
BL
MD
BL
Nar
ayan
i
PDBL
Saha
yogi
Pash
upat
i
11.51 38.91 201.55 2.81 118.41 52.14 84.18 45.64 28.0211.51 38.91 199.36 0.87 110.68 48.70 84.09 45.64 27.00
2.05 31.89 80.66 0.26 13.62 28.61 42.57 34.30 6.525.26 5.27 85.31 0.62 50.07 20.09 30.87 10.35 14.01
4.94 1.27 0.99 0.072.18 0.63 0.29 1.03
4.70 1.61 27.92 10.70 6.52 26.03 2.64 11.380.56 3.66 50.27 0.62 39.36 11.68 3.55 7.71 1.524.21 1.75 33.39 46.99 10.65 1.00 6.47
2.19 1.94 7.73 3.44 0.09 1.021.12 0.10
2.67 16.66 24.25 0.66 22.54 6.32 17.18 5.27 10.173.79 18.97 34.11 0.27 30.48 5.32 16.09 9.05 13.80
41.173.04 11.98 34.50 0.57 53.53 16.15 7.41 6.80 3.323.03 11.98 33.32 0.57 53.53 11.93 7.41 6.80 3.32
2.67 1.54 1.23 1.23 1.25 0.653.03 9.31 31.56 0.57 53.53 10.71 6.18 5.55 2.67
0.220.01
1.19 4.22
3.22 4.46 1.799.66 13.31 5.37
0.0222.54 31.34 12.53 15.32 28.11
21.02 121.95 344.66 4.30 266.13 79.93 144.54 82.08 83.52
14.40 92.91 304.77 0.76 167.54 60.20 132.76 73.26 77.7010.97 72.55 277.53 0.76 147.19 43.75 110.71 56.84 63.86
2.48 8.36 9.36 0.992.48 8.36 9.36 0.54
0.45
9.93 9.253.44 14.96 18.44 0.01 17.59 16.42
2.91 0.43 1.07 7.21 3.47 13.850.32 4.27 3.61 0.01 3.96 0.20 1.77 2.70 0.29
0.05 0.000.06 4.27 3.56 3.96 0.20 1.77 2.70 0.290.27 0.01
0.35 0.120.24 0.120.12
5.93 11.49 0.88 9.73 5.74 5.5118.84 0.35 0.24 0.28 ‐0.06
1.67 24.10 47.26 3.31 0.38 0.060.35
4.62 3.18 47.25 15.0921.02 121.95 344.66 4.30 266.13 79.93 144.54 82.08 83.52
36
Profit and Loss Accountupto Poush 2068
Rs. in million
Expenses
1 Interest Expenses 1.1 Deposit Liabilities 1.1.1 Saving A/c 1.1.2 Fixed A/c 1.1.2.1 Upto 3 Months Fixed A/c 1.1.2.2 3 to 6 Months fixed A/c 1.1.2.3 6 Months to 1 Year Fixed A/c 1.1.2.4 Above 1 Year 1.1.3 Call Deposit 1.1.4 Certificate of Deposits 1.2 Others 2 Commission/Fee Expense 3 Employees Expenses 4 Office Operatiing Expenses 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 7. Provision for Risk 7.1 Loan loss Provision
7.1.1 General Loan loss Provision 7.1.2 Special Loan Loss Provision 7.1.3 Additional Loan Loss Provision
7.2. Provision for Non‐Banking Assets 7.3. Provision for Loss on Investment 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus10 Provision for Income Tax11 Others12 Net Profit
TOTAL EXPENSES
Income 1. Interest Income 1.1. On Loans and Advance 1.2. On Investment 1.2.1 Government Bonds 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 1.2.4 Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 1.5 Others 2. Comission & Discount 2.1 Bills Purchase & Discount 2.2 Comission 2.3 Others 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans. 4 Other Operating Income 5 Non Operating Income 6 Provision Written Back 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss
TOTAL INCOME
Karn
ali
Triv
eni
Ann
apur
na
Bhri
kuti
Suve
kchh
a
Bage
shw
ori
Sani
ma
Gau
rish
ank
ar
Gur
kha
33.13 84.71 98.58 105.13 51.03 45.83 353.42 67.15 182.2433.13 84.65 63.85 104.89 47.11 45.76 348.32 67.15 179.1623.29 42.04 23.00 64.47 15.01 31.41 124.97 16.92 50.05
9.84 28.05 22.63 28.08 21.21 5.61 181.24 6.40 107.800.06 1.37 2.35 0.00
3.77 0.11 0.03 4.44 0.059.13 21.27 8.35 4.14 144.92 2.46 73.75
9.84 15.15 22.63 6.64 11.46 1.47 29.53 3.94 33.9914.57 18.22 12.34 10.89 8.74 42.11 43.83 21.31
0.06 34.73 0.24 3.92 0.07 5.10 3.08
8.29 8.16 13.99 14.79 6.60 10.88 37.63 7.39 22.257.37 15.35 14.40 10.19 8.26 5.81 44.33 11.22 37.59
4.624.62
12.422.66 6.56 207.93 18.97 4.88 16.71 2.39 433.972.66 6.56 207.93 18.97 4.88 16.71 2.39 ‐8.132.66 0.60 0.08 13.14 0.20 16.71 2.39 ‐81.64
5.96 207.86 5.83 4.68 73.51
437.025.08
3.05 8.469.15 25.50
1.90 157.6919.73 21.34 3.46 26.20 59.14 15.67
51.46 134.51 336.81 182.62 74.23 88.71 562.23 103.82 833.73
39.28 125.30 121.77 172.77 70.60 80.33 539.15 99.62 211.9033.06 115.06 94.01 143.35 61.83 73.52 468.82 53.54 205.72
1.13 0.02 30.030.02 30.03
1.13
6.22 10.25 27.75 26.66 8.77 6.69 30.79 46.08 6.141.63 0.09 9.52 0.04
5.48 9.21 41.98 0.78 0.47 8.39 5.14 4.20 0.200.12
1.20 1.33 1.27 0.78 0.47 2.11 5.14 0.77 0.204.28 7.88 40.60 6.28 3.43
2.25 0.230.22
2.25 0.019.06 3.14 15.68 1.90
0.0115.77 0.02
6.70 157.29 619.5151.46 134.51 336.81 182.62 74.23 88.71 562.23 103.82 833.73
37
Profit and Loss Accountupto Poush 2068
Rs. in million
Expenses
1 Interest Expenses 1.1 Deposit Liabilities 1.1.1 Saving A/c 1.1.2 Fixed A/c 1.1.2.1 Upto 3 Months Fixed A/c 1.1.2.2 3 to 6 Months fixed A/c 1.1.2.3 6 Months to 1 Year Fixed A/c 1.1.2.4 Above 1 Year 1.1.3 Call Deposit 1.1.4 Certificate of Deposits 1.2 Others 2 Commission/Fee Expense 3 Employees Expenses 4 Office Operatiing Expenses 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 7. Provision for Risk 7.1 Loan loss Provision
7.1.1 General Loan loss Provision 7.1.2 Special Loan Loss Provision 7.1.3 Additional Loan Loss Provision
7.2. Provision for Non‐Banking Assets 7.3. Provision for Loss on Investment 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus10 Provision for Income Tax11 Others12 Net Profit
TOTAL EXPENSES
Income 1. Interest Income 1.1. On Loans and Advance 1.2. On Investment 1.2.1 Government Bonds 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 1.2.4 Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 1.5 Others 2. Comission & Discount 2.1 Bills Purchase & Discount 2.2 Comission 2.3 Others 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans. 4 Other Operating Income 5 Non Operating Income 6 Provision Written Back 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss
TOTAL INCOME
Gan
daki
Infr
astr
uctu
re
Busi
ness
Bira
tlaxm
i
Exce
l
WD
BL
H &
B
Ara
niko
ND
EP
89.51 83.85 82.49 91.68 83.69 22.75 346.56 17.17 212.4873.09 83.85 82.46 91.68 83.69 22.75 345.37 17.17 206.4431.49 20.21 34.07 43.75 64.98 17.74 131.47 9.55 60.0625.55 45.15 26.52 32.36 18.71 5.01 175.19 7.62 72.23
0.02 18.74 0.76 0.62 47.590.68 2.97 1.02 0.88 1.09 0.81 10.68
14.56 20.29 15.47 13.11 8.01 1.12 73.9810.30 3.15 9.27 18.37 8.99 3.07 42.95 7.62 72.2316.04 18.49 21.87 15.56 38.70 74.14
16.43 0.03 1.20 6.050.01
9.96 10.51 6.46 15.59 7.22 3.84 38.99 4.30 20.729.83 18.52 8.01 7.87 8.63 2.03 39.28 2.42 35.43
0.00 0.010.00 0.01
0.000.90 23.05 3.824.33 4.08 0.89 0.20 3.23 41.06 12.51 65.594.33 4.08 0.89 0.20 3.23 41.06 12.51 65.590.75 0.20 0.11 3.23 0.04 0.20 65.593.57 3.88 0.89 0.09 41.01 12.31
2.92 5.90 2.439.25 17.69 7.30
29.00 19.99 41.27 20.27 17.03 9.44 25.81 10.46 ‐78.29143.53 149.12 162.70 158.66 129.53 41.88 491.70 46.86 255.94
135.53 136.97 155.10 144.93 120.16 31.01 467.04 26.62 244.75103.05 115.84 127.81 115.81 87.28 31.01 432.14 26.62 221.72
1.08 2.70 2.952.70 2.95
1.0832.88 14.74
16.05 20.95 22.00 28.04 27.43 3.9816.43 0.18 5.29 4.77 1.36
0.51 1.06 0.08 12.49 1.04 2.45 3.27 0.36 5.910.32
0.51 1.06 0.08 0.19 2.45 3.27 0.36 5.5812.49 0.86
0.06 0.17 0.00 0.01 0.490.06 0.17 0.01 0.27
0.00 0.00 0.217.40 5.34 5.35 4.92 16.90 13.03 4.79
0.24 8.42 0.240.03 5.33 2.17 1.23 3.40 4.26 6.84
143.53 149.12 162.70 158.66 129.53 41.88 491.70 46.86 255.94
38
Profit and Loss Accountupto Poush 2068
Rs. in million
Expenses
1 Interest Expenses 1.1 Deposit Liabilities 1.1.1 Saving A/c 1.1.2 Fixed A/c 1.1.2.1 Upto 3 Months Fixed A/c 1.1.2.2 3 to 6 Months fixed A/c 1.1.2.3 6 Months to 1 Year Fixed A/c 1.1.2.4 Above 1 Year 1.1.3 Call Deposit 1.1.4 Certificate of Deposits 1.2 Others 2 Commission/Fee Expense 3 Employees Expenses 4 Office Operatiing Expenses 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 7. Provision for Risk 7.1 Loan loss Provision
7.1.1 General Loan loss Provision 7.1.2 Special Loan Loss Provision 7.1.3 Additional Loan Loss Provision
7.2. Provision for Non‐Banking Assets 7.3. Provision for Loss on Investment 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus10 Provision for Income Tax11 Others12 Net Profit
TOTAL EXPENSES
Income 1. Interest Income 1.1. On Loans and Advance 1.2. On Investment 1.2.1 Government Bonds 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 1.2.4 Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 1.5 Others 2. Comission & Discount 2.1 Bills Purchase & Discount 2.2 Comission 2.3 Others 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans. 4 Other Operating Income 5 Non Operating Income 6 Provision Written Back 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss
TOTAL INCOME
CED
BL
Mite
ri
Tina
u
Risi
ng
Muk
tinat
h
Sew
a
Kank
ai
Publ
ic
Mah
akal
i
216.40 31.56 50.33 37.56 101.60 73.61 15.26 27.34 8.23187.25 26.81 49.90 37.31 88.08 73.59 15.26 27.21 8.23
51.98 24.22 11.22 22.12 51.78 37.37 8.94 9.73 6.5589.69 0.18 28.27 15.20 25.77 17.62 1.94 16.14 1.68
8.49 0.00 0.11 0.16 0.008.20 0.00 0.07 0.19 4.20 0.02 0.14 4.02
60.92 0.03 14.51 11.50 13.03 7.93 1.44 7.80 1.2512.08 0.16 13.57 3.51 8.54 9.51 0.36 4.33 0.4345.58 2.40 10.41 10.52 18.60 4.38 1.34
29.16 4.75 0.43 0.25 13.53 0.02 0.131.28
27.62 4.17 4.55 7.48 23.85 10.28 3.64 8.22 2.6529.26 4.14 4.38 9.47 19.22 8.81 4.11 7.79 2.08
7.037.03
51.79 1.57 6.38 3.82 5.55 2.57 24.67 1.6134.13 1.57 6.38 3.82 5.55 2.57 24.67 1.61
0.00 0.84 ‐0.07 2.71 2.03 2.57 24.67 1.6134.13 0.70 6.45 1.11 3.51
0.04
17.66
0.042.77 0.73 4.48 1.86 0.228.30 2.19 13.45 5.59 0.65
19.37 14.55 5.10 5.68 31.39 13.05 0.79 1.52363.83 55.99 67.29 66.57 197.82 118.74 26.36 68.06 16.94
338.20 50.49 62.19 62.00 178.25 106.75 24.63 42.98 15.82271.89 38.15 43.26 50.71 154.20 90.32 22.79 41.14 11.53
10.25 0.43 0.10 0.120.12
0.1010.25 0.43
42.01 7.58 18.49 7.37 24.06 16.01 1.84 1.7314.05 4.75 0.43 3.92 4.1722.09 0.79 0.27 0.72 3.09 2.04 1.74 0.65 1.12
0.022.72 0.79 0.27 0.62 3.09 2.04 0.36 0.65 1.08
19.35 0.10 1.38 0.00 0.051.26
1.264.72 4.82 3.86 16.03 9.95 1.31
2.28 0.45
0.5522.58
363.83 55.99 67.29 66.57 197.82 118.74 26.36 68.06 16.94
39
Profit and Loss Accountupto Poush 2068
Rs. in million
Expenses
1 Interest Expenses 1.1 Deposit Liabilities 1.1.1 Saving A/c 1.1.2 Fixed A/c 1.1.2.1 Upto 3 Months Fixed A/c 1.1.2.2 3 to 6 Months fixed A/c 1.1.2.3 6 Months to 1 Year Fixed A/c 1.1.2.4 Above 1 Year 1.1.3 Call Deposit 1.1.4 Certificate of Deposits 1.2 Others 2 Commission/Fee Expense 3 Employees Expenses 4 Office Operatiing Expenses 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 7. Provision for Risk 7.1 Loan loss Provision
7.1.1 General Loan loss Provision 7.1.2 Special Loan Loss Provision 7.1.3 Additional Loan Loss Provision
7.2. Provision for Non‐Banking Assets 7.3. Provision for Loss on Investment 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus10 Provision for Income Tax11 Others12 Net Profit
TOTAL EXPENSES
Income 1. Interest Income 1.1. On Loans and Advance 1.2. On Investment 1.2.1 Government Bonds 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 1.2.4 Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 1.5 Others 2. Comission & Discount 2.1 Bills Purchase & Discount 2.2 Comission 2.3 Others 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans. 4 Other Operating Income 5 Non Operating Income 6 Provision Written Back 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss
TOTAL INCOME
Ace
Bhar
gav
Shan
grila
Resu
nga
Rara
diya
lo
Coun
try
Alp
ine
Nilg
iri
246.27 8.96 93.80 33.06 15.86 24.09 72.73 21.43 16.29243.53 8.96 93.80 33.06 15.86 23.45 71.82 21.43 16.29118.51 4.79 48.68 29.75 12.90 4.83 7.94 13.25 8.65109.45 2.82 36.19 3.31 2.96 9.87 30.11 6.30 3.85
1.18 0.17 0.11 0.02 0.38 2.22 0.03 0.080.01 0.69 0.61 0.08 0.07 0.77 0.10 0.44
91.46 1.32 26.32 0.46 1.52 7.35 25.34 3.67 1.5716.80 0.64 9.14 2.84 1.34 2.07 1.77 2.51 1.7615.58 1.35 8.93 8.75 33.77 1.88 3.79
2.74 0.64 0.910.20
26.09 2.67 12.59 4.55 2.54 2.54 4.15 4.43 2.0936.15 3.25 13.68 3.18 4.31 3.66 7.00 5.22 4.38
25.53 0.41 9.48 1.00 0.51 0.03 4.61 1.70 1.2425.53 0.41 9.48 1.00 0.51 0.03 4.12 1.70 1.24
3.78 0.41 1.56 0.51 0.03 0.43 0.28 0.5721.74 7.92 3.69 1.43 0.67
1.00
0.49
0.63 0.10 3.20 0.16 1.09 0.751.90 0.30 9.60 0.49 3.28 2.26
1.434.44 0.70 22.39 14.87 11.66 6.95 7.64 5.27 5.82
341.01 16.39 164.73 56.66 34.89 37.92 102.12 41.06 29.82
318.05 11.57 154.97 51.55 33.20 35.86 96.79 36.74 27.16277.87 11.43 136.94 34.23 23.47 27.35 77.76 33.16 21.96
2.77 0.14 0.44 0.762.77 0.44 0.76
0.14
30.57 18.03 17.31 9.73 17.90 3.58 5.206.86 8.07 0.370.62 4.23 9.75 5.11 1.70 0.04 0.54 4.11 0.67
0.62 1.29 1.59 2.83 1.58 0.04 0.26 0.74 0.672.95 8.15 2.28 0.11 0.28 3.37
0.99 0.01 0.080.08 0.010.91 0.08
18.24 1.49 4.08 1.903.11
0.53 0.70 0.210.59
0.02
341.01 16.39 164.73 56.66 34.89 37.92 102.12 41.06 29.82
40
Profit and Loss Accountupto Poush 2068
Rs. in million
Expenses
1 Interest Expenses 1.1 Deposit Liabilities 1.1.1 Saving A/c 1.1.2 Fixed A/c 1.1.2.1 Upto 3 Months Fixed A/c 1.1.2.2 3 to 6 Months fixed A/c 1.1.2.3 6 Months to 1 Year Fixed A/c 1.1.2.4 Above 1 Year 1.1.3 Call Deposit 1.1.4 Certificate of Deposits 1.2 Others 2 Commission/Fee Expense 3 Employees Expenses 4 Office Operatiing Expenses 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 7. Provision for Risk 7.1 Loan loss Provision
7.1.1 General Loan loss Provision 7.1.2 Special Loan Loss Provision 7.1.3 Additional Loan Loss Provision
7.2. Provision for Non‐Banking Assets 7.3. Provision for Loss on Investment 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus10 Provision for Income Tax11 Others12 Net Profit
TOTAL EXPENSES
Income 1. Interest Income 1.1. On Loans and Advance 1.2. On Investment 1.2.1 Government Bonds 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 1.2.4 Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 1.5 Others 2. Comission & Discount 2.1 Bills Purchase & Discount 2.2 Comission 2.3 Others 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans. 4 Other Operating Income 5 Non Operating Income 6 Provision Written Back 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss
TOTAL INCOME
Kast
ham
anda
p
Gar
ima
City
Bish
ow
Prof
essi
ona
l
Kabe
li
Kam
ana
Corp
orat
e
Path
ibha
ra
177.50 76.56 94.38 95.81 8.71 8.50 62.67 57.20 34.74175.43 76.56 94.37 95.53 8.71 8.50 51.26 57.20 34.74
73.72 41.61 45.70 26.05 6.48 6.00 27.62 23.33 18.7158.82 24.66 33.11 47.65 1.17 2.03 19.29 33.85 4.91
3.92 2.46 2.28 0.02 0.353.08 3.08 1.87 1.81 0.20 0.20 0.95 0.08
43.60 14.27 20.00 39.15 0.59 0.87 7.40 30.79 2.708.22 7.31 8.77 4.42 0.38 0.94 10.58 3.05 2.13
42.89 10.30 15.55 21.84 1.06 0.47 4.35 0.02 11.12
2.07 0.02 0.28 11.410.02
19.70 10.78 7.55 9.45 2.71 2.87 6.48 4.15 7.0030.36 12.25 12.41 12.55 2.61 1.37 7.51 4.18 8.53
1.1611.44 2.63 10.15 2.29 0.54 0.90 1.63 11.23 7.0311.44 2.63 3.90 2.29 0.44 0.90 1.63 11.23 7.03‐1.31 2.63 1.76 2.29 0.44 0.90 ‐0.96 0.61 1.0112.75 2.14 2.59 10.62 6.02
6.25 0.10
0.68 3.14 2.28 3.39 0.48 0.08 2.23 0.81 0.282.05 9.42 6.83 10.18 1.45 0.24 6.69 2.42 0.85
4.78 21.98 15.95 23.75 3.39 0.55 15.60 5.65 1.97246.54 136.75 149.55 157.42 19.90 15.67 102.81 85.64 60.40
238.14 122.12 140.71 147.19 18.86 14.21 97.21 79.75 55.59189.86 101.57 118.18 128.11 12.18 12.22 80.81 69.75 45.35
5.66 0.075.66 0.07
20.55 19.05 19.08 6.67 1.99 16.40 10.2542.62 3.42 0.01 10.00
3.02 1.27 8.83 10.10 0.05 0.64 1.16 0.46 0.810.13
2.97 1.27 8.83 0.69 0.05 0.64 1.16 0.16 0.810.05 9.42 0.170.35 0.010.17 0.000.18 0.015.04 13.36 0.99 0.82 4.44 5.43 3.67
0.13 0.33
246.54 136.75 149.55 157.42 19.90 15.67 102.81 85.64 60.40
41
Profit and Loss Accountupto Poush 2068
Rs. in million
Expenses
1 Interest Expenses 1.1 Deposit Liabilities 1.1.1 Saving A/c 1.1.2 Fixed A/c 1.1.2.1 Upto 3 Months Fixed A/c 1.1.2.2 3 to 6 Months fixed A/c 1.1.2.3 6 Months to 1 Year Fixed A/c 1.1.2.4 Above 1 Year 1.1.3 Call Deposit 1.1.4 Certificate of Deposits 1.2 Others 2 Commission/Fee Expense 3 Employees Expenses 4 Office Operatiing Expenses 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 7. Provision for Risk 7.1 Loan loss Provision
7.1.1 General Loan loss Provision 7.1.2 Special Loan Loss Provision 7.1.3 Additional Loan Loss Provision
7.2. Provision for Non‐Banking Assets 7.3. Provision for Loss on Investment 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus10 Provision for Income Tax11 Others12 Net Profit
TOTAL EXPENSES
Income 1. Interest Income 1.1. On Loans and Advance 1.2. On Investment 1.2.1 Government Bonds 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 1.2.4 Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 1.5 Others 2. Comission & Discount 2.1 Bills Purchase & Discount 2.2 Comission 2.3 Others 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans. 4 Other Operating Income 5 Non Operating Income 6 Provision Written Back 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss
TOTAL INCOME
Purn
ima
Jyot
i
Bagm
ati
Ham
ro
Kakr
e
Shin
e
Paci
fic
Civi
c
IDBL
31.06 137.46 4.62 9.35 7.30 71.17 15.17 3.87 196.8731.06 137.36 4.62 9.35 7.30 71.17 15.17 3.87 192.6015.38 50.23 2.80 4.47 5.53 34.14 7.80 3.29 57.8910.73 60.97 0.85 2.93 1.77 23.19 2.42 0.57 75.30
0.01 0.03 1.950.05 0.02 0.02 0.00 0.24 0.13 4.528.93 0.11 0.40 2.32 0.85 18.74 1.21 0.31 54.551.74 60.84 0.45 0.55 0.92 4.21 1.08 0.26 14.284.96 26.15 0.97 1.95 13.84 4.95 59.42
0.10 4.27
4.68 18.50 1.68 2.35 1.16 6.64 2.14 1.74 23.686.86 30.06 0.99 2.65 2.27 7.04 3.17 2.60 37.93
0.07
0.07
2.61 18.20 0.28 0.32 5.58 1.82 0.49 124.962.61 18.19 0.28 0.32 4.60 1.82 0.49 123.980.95 0.62 0.21 0.32 3.79 0.57 0.231.67 17.57 0.07 0.81 1.24 0.26 123.98
0.980.01 0.98
3.52 0.34 3.0710.55 0.74 9.20 1.30
3.45 24.61 1.64 2.69 2.03 21.46 3.8248.67 242.90 9.22 18.45 12.76 124.16 27.41 8.70 383.51
44.81 229.31 8.45 16.97 11.46 115.20 21.43 6.76 244.4733.75 201.05 7.14 14.64 10.26 90.70 21.43 5.12 218.65
2.49 0.05 0.392.49 0.05 0.39
11.06 22.94 1.31 2.28 24.12 1.64 23.662.83 1.20 2.16
0.59 9.69 0.09 0.58 0.19 8.95 0.53 4.172.32
0.59 9.69 0.09 0.11 0.16 1.49 0.53 1.840.47 0.03 7.47
0.010.010.00
3.26 3.88 0.66 0.89 1.84 1.15 5.791.11 2.65
0.02 0.96 11.64
0.79 117.4548.67 242.90 9.22 18.45 12.76 124.16 27.41 8.70 383.51
42
Profit and Loss Accountupto Poush 2068
Rs. in million
Expenses
1 Interest Expenses 1.1 Deposit Liabilities 1.1.1 Saving A/c 1.1.2 Fixed A/c 1.1.2.1 Upto 3 Months Fixed A/c 1.1.2.2 3 to 6 Months fixed A/c 1.1.2.3 6 Months to 1 Year Fixed A/c 1.1.2.4 Above 1 Year 1.1.3 Call Deposit 1.1.4 Certificate of Deposits 1.2 Others 2 Commission/Fee Expense 3 Employees Expenses 4 Office Operatiing Expenses 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 7. Provision for Risk 7.1 Loan loss Provision
7.1.1 General Loan loss Provision 7.1.2 Special Loan Loss Provision 7.1.3 Additional Loan Loss Provision
7.2. Provision for Non‐Banking Assets 7.3. Provision for Loss on Investment 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus10 Provision for Income Tax11 Others12 Net Profit
TOTAL EXPENSES
Income 1. Interest Income 1.1. On Loans and Advance 1.2. On Investment 1.2.1 Government Bonds 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 1.2.4 Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 1.5 Others 2. Comission & Discount 2.1 Bills Purchase & Discount 2.2 Comission 2.3 Others 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans. 4 Other Operating Income 5 Non Operating Income 6 Provision Written Back 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss
TOTAL INCOME
Gul
mi
Kanc
han
Mat
ribh
umi
Brig
ht
Inno
vativ
e
Jhim
ruk
Met
ro
Vibo
r
Gau
muk
hi
10.53 21.26 7.18 18.14 22.63 6.10 29.92 190.32 3.2910.53 21.26 7.18 18.07 22.63 6.10 29.92 152.22 3.29
9.44 18.20 3.31 4.11 7.80 3.53 12.06 29.51 3.161.09 3.06 2.08 3.58 6.52 1.03 10.92 85.98 0.13
0.19 0.05 0.00 0.00 0.01 0.07 1.160.39 0.05 0.00 0.00 0.02 0.58 0.02
0.49 1.48 0.83 1.78 5.13 0.22 7.30 15.07 0.030.61 1.00 1.15 1.79 1.38 0.78 2.97 69.73 0.10
1.78 10.38 8.31 1.54 6.95 36.73
0.07 38.100.10 0.04
1.72 4.24 1.98 2.84 3.53 1.53 2.44 19.54 1.331.98 5.21 3.53 6.42 1.87 4.81 30.99 0.62
1.580.34 1.80 0.71 1.09 0.53 0.79 1.06 62.50 0.480.34 1.80 0.71 1.09 0.53 0.69 1.06 45.15 0.480.34 1.80 0.07 0.33 0.53 0.50 1.06 0.05 0.38
0.64 0.58 0.19 45.10 0.090.18
17.340.10
0.39 0.671.18 2.02
2.60 7.05 0.52 2.74 1.99 0.95 4.72 0.8317.17 39.55 11.97 29.91 35.11 11.33 45.65 303.35 6.57
15.88 36.02 10.73 27.98 32.01 9.77 42.40 180.85 4.809.66 25.19 8.37 24.77 24.40 9.09 36.84 134.80 4.56
4.313.42
0.90
6.22 5.82 2.36 3.08 7.61 0.68 5.55 2.58 0.245.02 0.13 39.16
0.15 3.53 1.24 0.07 0.57 1.36 0.24 0.02 1.75
2.95 0.39 0.07 0.29 1.26 0.02 1.270.15 0.58 0.85 0.28 0.10 0.24 0.48
1.14 1.86 2.53 3.01 37.49 0.020.38
0.20 62.50 0.01
22.1117.17 39.55 11.97 29.91 35.11 11.33 45.65 303.35 6.57
43
Profit and Loss Accountupto Poush 2068
Rs. in million
Expenses
1 Interest Expenses 1.1 Deposit Liabilities 1.1.1 Saving A/c 1.1.2 Fixed A/c 1.1.2.1 Upto 3 Months Fixed A/c 1.1.2.2 3 to 6 Months fixed A/c 1.1.2.3 6 Months to 1 Year Fixed A/c 1.1.2.4 Above 1 Year 1.1.3 Call Deposit 1.1.4 Certificate of Deposits 1.2 Others 2 Commission/Fee Expense 3 Employees Expenses 4 Office Operatiing Expenses 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 7. Provision for Risk 7.1 Loan loss Provision
7.1.1 General Loan loss Provision 7.1.2 Special Loan Loss Provision 7.1.3 Additional Loan Loss Provision
7.2. Provision for Non‐Banking Assets 7.3. Provision for Loss on Investment 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus10 Provision for Income Tax11 Others12 Net Profit
TOTAL EXPENSES
Income 1. Interest Income 1.1. On Loans and Advance 1.2. On Investment 1.2.1 Government Bonds 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 1.2.4 Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 1.5 Others 2. Comission & Discount 2.1 Bills Purchase & Discount 2.2 Comission 2.3 Others 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans. 4 Other Operating Income 5 Non Operating Income 6 Provision Written Back 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss
TOTAL INCOME
Rapt
iver
i
Cons
umer
Khad
bari
Tour
ism
Mis
sion
Sury
a
Mt.
Mak
alu
Sind
hu
Saha
ra
6.89 21.02 2.05 63.83 22.72 2.62 1.12 18.87 3.226.89 19.77 2.05 63.45 22.65 2.62 1.12 18.72 3.224.20 6.49 1.63 17.06 10.10 0.95 0.87 14.79 1.782.37 8.98 0.39 26.68 5.16 1.15 0.17 3.92 0.11
0.01 2.85 0.13 0.002.72 0.16 0.00 0.05
0.03 2.83 0.09 20.34 4.26 0.62 0.08 3.132.34 6.15 0.29 0.77 0.62 0.53 0.09 0.74 0.110.33 4.31 0.03 19.69 7.39 0.52 0.08 1.33
0.021.25 0.38 0.07 0.15
2.50 3.83 1.23 10.99 5.01 1.51 0.50 3.64 1.011.56 4.10 0.86 18.20 5.66 0.79 0.43 3.80 1.23
0.042.59 0.15 0.22 4.88 1.17 0.10 0.12 1.20 0.352.59 0.15 0.22 4.88 1.17 0.10 0.12 1.20 0.350.56 0.15 0.22 2.53 1.17 0.10 0.11 1.20 0.352.03 2.25 0.01
0.10
0.97 2.382.90 7.13
2.83 6.77 0.90 16.63 1.43 1.19 0.2816.38 39.75 5.26 124.02 35.98 5.02 3.40 27.51 6.08
12.89 38.13 4.37 107.67 32.63 3.96 3.15 23.96 4.5812.03 32.20 4.33 91.59 25.90 3.62 2.81 18.34 3.58
0.900.90
0.86 5.93 0.04 13.26 6.73 0.34 0.34 5.33 1.001.92 0.29
1.65 0.07 0.88 2.95 0.27 0.81 0.24 0.260.06
1.65 0.07 0.88 2.88 0.27 0.81 0.24 0.260.00
6.020.055.96
1.54 6.64 3.08 0.01 3.15 1.500.01
1.84 0.75
0.25 0.1516.38 39.75 5.26 124.02 35.98 5.02 3.40 27.51 6.08
44
Profit and Loss Accountupto Poush 2068
Rs. in million
Expenses
1 Interest Expenses 1.1 Deposit Liabilities 1.1.1 Saving A/c 1.1.2 Fixed A/c 1.1.2.1 Upto 3 Months Fixed A/c 1.1.2.2 3 to 6 Months fixed A/c 1.1.2.3 6 Months to 1 Year Fixed A/c 1.1.2.4 Above 1 Year 1.1.3 Call Deposit 1.1.4 Certificate of Deposits 1.2 Others 2 Commission/Fee Expense 3 Employees Expenses 4 Office Operatiing Expenses 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 7. Provision for Risk 7.1 Loan loss Provision
7.1.1 General Loan loss Provision 7.1.2 Special Loan Loss Provision 7.1.3 Additional Loan Loss Provision
7.2. Provision for Non‐Banking Assets 7.3. Provision for Loss on Investment 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus10 Provision for Income Tax11 Others12 Net Profit
TOTAL EXPENSES
Income 1. Interest Income 1.1. On Loans and Advance 1.2. On Investment 1.2.1 Government Bonds 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 1.2.4 Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 1.5 Others 2. Comission & Discount 2.1 Bills Purchase & Discount 2.2 Comission 2.3 Others 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans. 4 Other Operating Income 5 Non Operating Income 6 Provision Written Back 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss
TOTAL INCOME
Soci
al
NCD
BL
Cosm
os
Man
aslu
Sam
abri
ddhi
Ekat
a
Kalin
chow
k
Nep
al
Aaw
as
Nep
al
Fina
nce
27.11 14.60 2.91 6.23 2.77 0.75 0.19 24.90 38.5026.71 14.60 2.91 6.23 2.77 0.75 0.19 24.90 37.33
2.06 3.17 2.72 3.69 1.43 0.59 0.10 3.70 5.347.73 3.60 0.19 0.48 0.33 0.08 0.02 21.20 32.00
0.05 0.05 0.00 0.910.03 0.00 0.01 0.00 0.48
6.99 3.11 0.00 0.14 0.21 0.07 11.00 24.610.75 0.41 0.19 0.34 0.05 0.00 0.02 10.20 6.00
16.92 7.84 2.05 1.02 0.08 0.07
0.40 1.160.04
7.43 3.11 1.45 3.25 2.17 1.00 1.16 4.00 3.715.35 5.19 2.72 4.07 2.32 1.10 0.35 2.90 5.30
4.48 0.88 0.16 0.190.63 0.07 0.56 0.32 0.65 0.06 8.40 10.290.63 0.07 0.56 0.32 0.65 0.06 8.400.63 0.07 0.56 0.32 0.65 0.06 ‐0.20
8.60
10.29
0.020.04
2.200.72 0.10
44.37 23.53 7.15 14.11 9.18 3.82 1.94 40.20 60.04
37.76 20.20 4.35 11.35 8.32 2.65 1.58 34.10 43.9628.03 14.51 3.59 9.26 6.75 0.79 0.02 24.20 39.11
0.41 0.95
0.41 0.850.11
6.54 5.70 0.77 2.09 1.86 1.57 3.902.78 1.58 9.900.17 0.15 0.53 0.20 0.00 0.02
0.17 0.07 0.14 0.02 0.00 0.020.08 0.39 0.18
1.35 1.52 1.33 0.66 1.16 0.13 0.70 1.490.16 0.01 0.350.48 1.74
4.46 1.65 2.26 1.43 0.23 5.40 12.4944.37 23.53 7.15 14.11 9.18 3.82 1.94 40.20 60.04
45
Profit and Loss Accountupto Poush 2068
Rs. in million
Expenses
1 Interest Expenses 1.1 Deposit Liabilities 1.1.1 Saving A/c 1.1.2 Fixed A/c 1.1.2.1 Upto 3 Months Fixed A/c 1.1.2.2 3 to 6 Months fixed A/c 1.1.2.3 6 Months to 1 Year Fixed A/c 1.1.2.4 Above 1 Year 1.1.3 Call Deposit 1.1.4 Certificate of Deposits 1.2 Others 2 Commission/Fee Expense 3 Employees Expenses 4 Office Operatiing Expenses 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 7. Provision for Risk 7.1 Loan loss Provision
7.1.1 General Loan loss Provision 7.1.2 Special Loan Loss Provision 7.1.3 Additional Loan Loss Provision
7.2. Provision for Non‐Banking Assets 7.3. Provision for Loss on Investment 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus10 Provision for Income Tax11 Others12 Net Profit
TOTAL EXPENSES
Income 1. Interest Income 1.1. On Loans and Advance 1.2. On Investment 1.2.1 Government Bonds 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 1.2.4 Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 1.5 Others 2. Comission & Discount 2.1 Bills Purchase & Discount 2.2 Comission 2.3 Others 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans. 4 Other Operating Income 5 Non Operating Income 6 Provision Written Back 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss
TOTAL INCOME
NID
C Ca
pita
l
Nar
ayan
i N
atio
nal
AFC
L
NSM
FL
Peop
les
Mer
chan
tile
Kath
man
du
Him
alay
a
Uni
on
82.10 139.34 201.92 174.77 32.11 1.92 24.75 30.40 62.0280.34 139.34 200.94 141.79 32.11 1.92 24.75 24.35 60.5219.33 27.88 59.81 55.34 7.64 0.00 4.32 0.87 8.0252.33 111.46 111.81 75.67 24.47 1.92 20.43 23.48 50.19
4.40 0.23 0.28 0.03 3.05 20.43 1.284.87 1.16 1.67 0.82 0.11 1.02 1.75 0.01
19.46 61.86 64.54 38.52 15.64 0.09 5.37 34.1823.59 48.22 45.32 36.29 5.67 0.81 16.37 14.73
8.68 29.32 10.78 2.30
1.76 0.98 32.98 6.05 1.500.27
5.93 12.12 23.20 15.01 3.02 0.65 3.15 4.31 7.087.32 13.30 26.80 14.62 5.57 0.37 3.36 2.26 8.16
1.89 14.27 0.170.01 47.09 15.44 22.07 1.38 11.41 0.33 12.13
47.09 15.44 22.07 1.38 9.95 0.33 12.136.37 12.56 0.33
40.72 2.87 22.07 1.38 9.95 5.416.72
0.01 0.00 1.46
1.81 6.675.43 19.51 0.11
0.8018.23 12.66 47.19 61.64 3.53 0.87
115.49 231.76 340.72 241.54 103.72 6.47 42.77 37.58 90.43
88.60 220.87 322.26 87.68 19.60 5.50 38.71 29.91 79.0253.35 204.87 277.83 86.41 16.29 5.10 31.26 29.86 74.69
1.95 3.56 4.81 0.14 0.35 0.461.95 3.56 4.81 0.46
0.14 0.35
31.07 12.44 25.95 1.27 1.74 0.25 7.02 2.432.23 13.67 1.58 0.08 0.05 1.450.67 0.76 0.92 0.16 0.15 0.04 0.06 0.05
0.67 0.76 0.92 0.15 0.04 0.06 0.050.16
3.55 7.78 14.08 0.41 0.01 1.61 1.11 5.714.05 1.20 9.65 0.20
18.62 1.12 3.47 7.26 83.60 0.81 0.07 5.250.04 0.52 0.06 0.40
136.39 2.10 6.49115.49 231.76 340.72 241.54 103.72 6.47 42.77 37.58 90.43
46
Profit and Loss Accountupto Poush 2068
Rs. in million
Expenses
1 Interest Expenses 1.1 Deposit Liabilities 1.1.1 Saving A/c 1.1.2 Fixed A/c 1.1.2.1 Upto 3 Months Fixed A/c 1.1.2.2 3 to 6 Months fixed A/c 1.1.2.3 6 Months to 1 Year Fixed A/c 1.1.2.4 Above 1 Year 1.1.3 Call Deposit 1.1.4 Certificate of Deposits 1.2 Others 2 Commission/Fee Expense 3 Employees Expenses 4 Office Operatiing Expenses 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 7. Provision for Risk 7.1 Loan loss Provision
7.1.1 General Loan loss Provision 7.1.2 Special Loan Loss Provision 7.1.3 Additional Loan Loss Provision
7.2. Provision for Non‐Banking Assets 7.3. Provision for Loss on Investment 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus10 Provision for Income Tax11 Others12 Net Profit
TOTAL EXPENSES
Income 1. Interest Income 1.1. On Loans and Advance 1.2. On Investment 1.2.1 Government Bonds 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 1.2.4 Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 1.5 Others 2. Comission & Discount 2.1 Bills Purchase & Discount 2.2 Comission 2.3 Others 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans. 4 Other Operating Income 5 Non Operating Income 6 Provision Written Back 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss
TOTAL INCOME
Gor
kha
Pasc
him
anc
hal
NH
MFL
Uni
vers
al
Sam
jhan
a
Goo
dwill
Sidd
hart
ha
FC Sri
Inve
stm
ent
Lum
bini
18.43 80.51 92.98 71.40 81.21 61.69 65.63 78.7418.43 80.51 92.98 71.40 64.95 58.89 65.63 78.74
1.86 25.03 15.18 17.72 24.35 18.86 12.11 15.4316.57 55.49 77.81 53.51 40.59 40.04 53.52 63.31
0.04 5.03 1.19 1.19 0.11 4.240.02 0.26 0.90 1.52 0.84 0.32 3.13
13.00 20.15 23.71 22.63 16.89 42.86 38.613.56 35.03 48.17 28.17 21.67 40.04 10.23 17.33
0.17
16.26 2.79
2.55 9.57 6.65 3.66 8.86 5.92 5.15 5.952.44 8.56 4.98 3.96 15.48 3.71 7.03 4.06
8.23 9.59 8.68 1.29 5.49 7.55 2.44 0.448.23 9.59 1.29 5.49 6.83 2.44 0.44‐0.54 5.49 0.32 0.448.77 9.59 1.29 2.12
6.830.72
8.68
1.43 0.78 0.85 1.99 2.144.29 2.35 2.20 5.98 6.420.03
10.01 1.49 5.49 6.29 10.67 13.94 14.9931.65 124.00 114.77 88.93 120.38 89.53 102.16 112.74
21.73 114.06 112.57 86.67 109.07 77.77 93.79 108.7920.28 100.88 108.03 77.59 104.62 63.36 87.38 105.63
0.16 0.68 1.80 7.36 4.45 1.810.16 0.68 1.80 7.36 4.45 1.81
4.601.29 12.51 2.74 10.41 3.15
1.72 4.001.51 8.78 0.05 0.30 11.31 6.47 0.23
0.000.01 0.13 0.05 0.04 0.22 0.191.50 8.65 0.25 11.31 6.25 0.04
0.06 1.55 0.01 8.28 3.720.00 0.00 0.27 0.060.99 1.09 0.33 1.97 5.24 0.090.85
6.5731.65 124.00 114.77 88.93 120.38 89.53 102.16 112.74
47
Profit and Loss Accountupto Poush 2068
Rs. in million
Expenses
1 Interest Expenses 1.1 Deposit Liabilities 1.1.1 Saving A/c 1.1.2 Fixed A/c 1.1.2.1 Upto 3 Months Fixed A/c 1.1.2.2 3 to 6 Months fixed A/c 1.1.2.3 6 Months to 1 Year Fixed A/c 1.1.2.4 Above 1 Year 1.1.3 Call Deposit 1.1.4 Certificate of Deposits 1.2 Others 2 Commission/Fee Expense 3 Employees Expenses 4 Office Operatiing Expenses 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 7. Provision for Risk 7.1 Loan loss Provision
7.1.1 General Loan loss Provision 7.1.2 Special Loan Loss Provision 7.1.3 Additional Loan Loss Provision
7.2. Provision for Non‐Banking Assets 7.3. Provision for Loss on Investment 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus10 Provision for Income Tax11 Others12 Net Profit
TOTAL EXPENSES
Income 1. Interest Income 1.1. On Loans and Advance 1.2. On Investment 1.2.1 Government Bonds 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 1.2.4 Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 1.5 Others 2. Comission & Discount 2.1 Bills Purchase & Discount 2.2 Comission 2.3 Others 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans. 4 Other Operating Income 5 Non Operating Income 6 Provision Written Back 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss
TOTAL INCOME
Inve
sta
Yeti
Stan
dard
ILFC
O
Mah
alax
mi
Lalit
pur
Bhaj
urat
na
Uni
ted
Gen
eral
0.13 56.86 158.34 82.99 126.48 114.53 10.06 220.04 59.620.13 56.86 153.12 82.99 125.29 103.96 10.06 153.56 58.19
18.27 46.35 11.10 44.95 33.13 1.56 43.50 14.710.13 38.58 92.71 69.90 80.23 70.83 8.50 110.06 43.47
0.54 6.07 3.52 1.78 4.080.16 5.51 0.33 1.19 0.25
12.54 74.03 28.41 10.53 40.49 4.130.13 25.35 7.09 41.49 65.85 27.37 4.37 110.06 39.14
14.06 1.990.11
5.22 1.19 10.58 66.48 1.44
0.53 5.42 17.79 17.64 10.61 4.87 2.09 19.35 4.680.96 4.67 21.22 21.55 9.70 5.34 2.63 16.23 5.18
6.403.37 12.65 31.42 21.66 5.37 20.15 1.273.37 11.96 31.42 21.66 5.37 20.15 1.27
31.42 5.32 ‐0.46 ‐3.123.37 11.96 4.68 5.84 23.27 1.27
11.66
0.69
0.080.69 1.53 6.47 1.55 0.49 0.272.06 4.58 19.42 4.66 1.48 0.80
1.03 0.002.85 4.80 10.69 45.32 10.87 3.45 1.87 12.674.47 77.86 234.23 224.83 185.53 130.17 23.09 288.53 70.74
2.54 73.71 224.52 219.42 177.29 117.11 18.59 280.45 51.162.54 61.88 196.83 191.26 144.49 117.11 13.74 200.96 47.60
1.14 1.40 5.34 1.80 0.18 2.631.14 1.40 5.34 1.80 0.18 2.63
10.69 19.93 15.70 0.63 10.36 3.566.36 22.82 15.30 4.04 66.52
0.60 0.69 0.06 1.63 0.17 0.02 1.23 2.14
0.60 0.69 0.48 0.17 0.02 1.23 2.010.06 1.15 0.13
1.93 2.29 1.56 5.35 4.81 2.58 0.14 6.840.73 0.18 0.18 0.090.34 7.28 1.63 10.30 4.24 8.410.20
9.044.47 77.86 234.23 224.83 185.53 130.17 23.09 288.53 70.74
48
Profit and Loss Accountupto Poush 2068
Rs. in million
Expenses
1 Interest Expenses 1.1 Deposit Liabilities 1.1.1 Saving A/c 1.1.2 Fixed A/c 1.1.2.1 Upto 3 Months Fixed A/c 1.1.2.2 3 to 6 Months fixed A/c 1.1.2.3 6 Months to 1 Year Fixed A/c 1.1.2.4 Above 1 Year 1.1.3 Call Deposit 1.1.4 Certificate of Deposits 1.2 Others 2 Commission/Fee Expense 3 Employees Expenses 4 Office Operatiing Expenses 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 7. Provision for Risk 7.1 Loan loss Provision
7.1.1 General Loan loss Provision 7.1.2 Special Loan Loss Provision 7.1.3 Additional Loan Loss Provision
7.2. Provision for Non‐Banking Assets 7.3. Provision for Loss on Investment 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus10 Provision for Income Tax11 Others12 Net Profit
TOTAL EXPENSES
Income 1. Interest Income 1.1. On Loans and Advance 1.2. On Investment 1.2.1 Government Bonds 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 1.2.4 Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 1.5 Others 2. Comission & Discount 2.1 Bills Purchase & Discount 2.2 Comission 2.3 Others 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans. 4 Other Operating Income 5 Non Operating Income 6 Provision Written Back 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss
TOTAL INCOME
Prog
ress
ive
Alp
ic
Ever
est
Nav
adur
ga
Jana
ki
Pokh
ara
Cent
ral
Prem
ier
Aru
n
Mul
tipur
pose
15.38 45.72 54.12 43.80 74.40 127.78 72.34 9.94 4.4912.83 42.72 54.12 43.80 74.40 111.54 67.76 9.69 4.49
4.49 14.43 20.34 12.67 27.24 33.29 24.83 4.468.35 28.28 33.78 31.14 47.17 78.25 42.93 5.23 4.49
2.47 0.32 8.57 0.051.83 0.01 0.42 2.11 0.97
1.88 12.29 27.85 4.48 26.48 2.956.47 11.70 33.78 31.14 19.31 73.04 5.77 1.26 4.49
2.54 3.00 16.24 4.58 0.250.38 0.13
2.68 3.82 4.16 2.39 4.17 5.50 4.59 3.84 0.792.09 6.36 3.71 0.98 10.21 4.15 7.60 4.13 0.34
0.21 30.24 2.49 0.18 50.80 11.16 77.89 2.770.21 8.42 2.49 0.18 50.80 11.16 77.89 2.77
8.42 0.37 0.18 11.16 ‐1.56 0.032.12 50.80 79.45 2.74
0.2121.81
0.26 0.77 0.530.77 2.31 1.44
8.34 1.79 12.04 47.63 5.38 3.3628.69 88.95 76.51 95.36 139.59 145.89 101.03 95.80 8.52
23.77 48.83 73.78 72.07 116.16 136.79 93.67 15.09 5.8923.77 43.54 58.87 55.24 93.55 112.72 93.67 14.21 5.89
0.52 1.52
0.521.52
2.62 22.61 11.05 0.895.30 14.91 13.69 11.50
0.27 0.30 0.11 0.04 5.80 0.21 0.02 0.03 0.01
0.30 0.11 0.04 0.21 0.02 0.03 0.010.27 5.80 0.00
4.65 5.74 2.60 0.92 2.44 7.33 1.37 0.300.19
34.07 0.02 11.99 6.4510.16 0.04
17.63 79.27 2.3228.69 88.95 76.51 95.36 139.59 145.89 101.03 95.80 8.52
49
Profit and Loss Accountupto Poush 2068
Rs. in million
Expenses
1 Interest Expenses 1.1 Deposit Liabilities 1.1.1 Saving A/c 1.1.2 Fixed A/c 1.1.2.1 Upto 3 Months Fixed A/c 1.1.2.2 3 to 6 Months fixed A/c 1.1.2.3 6 Months to 1 Year Fixed A/c 1.1.2.4 Above 1 Year 1.1.3 Call Deposit 1.1.4 Certificate of Deposits 1.2 Others 2 Commission/Fee Expense 3 Employees Expenses 4 Office Operatiing Expenses 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 7. Provision for Risk 7.1 Loan loss Provision
7.1.1 General Loan loss Provision 7.1.2 Special Loan Loss Provision 7.1.3 Additional Loan Loss Provision
7.2. Provision for Non‐Banking Assets 7.3. Provision for Loss on Investment 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus10 Provision for Income Tax11 Others12 Net Profit
TOTAL EXPENSES
Income 1. Interest Income 1.1. On Loans and Advance 1.2. On Investment 1.2.1 Government Bonds 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 1.2.4 Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 1.5 Others 2. Comission & Discount 2.1 Bills Purchase & Discount 2.2 Comission 2.3 Others 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans. 4 Other Operating Income 5 Non Operating Income 6 Provision Written Back 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss
TOTAL INCOME
Butw
al
Srija
na
Om
CMB
WM
BFL
CMBF
CL
Crys
tal
Roya
l
Guh
eshw
ori
87.33 6.19 138.81 28.15 50.91 133.68 65.17 116.01 48.9884.78 6.19 138.81 28.03 43.70 129.81 65.17 103.73 48.9827.80 3.72 50.35 11.53 14.67 27.96 16.88 35.05 12.2956.99 2.47 88.46 16.49 29.03 64.92 48.29 68.68 36.70
0.73 0.84 0.00 0.84 0.01 3.84 11.04 2.152.71 2.50 0.00 0.05 2.32 3.79 4.07 0.29
28.14 63.94 13.89 20.59 32.27 17.98 39.61 20.9325.40 2.47 21.18 2.60 7.55 30.32 22.68 13.96 13.33
36.94
2.55 0.12 7.21 3.87 12.270.29
10.22 1.65 11.28 4.13 4.35 16.66 3.51 5.31 3.0812.70 1.58 14.61 5.42 7.62 19.44 13.29 3.52
0.64 4.907.71 11.61 26.58 1605.21 0.037.59 11.61 2.68 1605.21 0.037.59 11.61 1.17 ‐22.20 0.03
1.51 1627.41
0.12 23.89
0.46 21.86 0.502.87 0.64
1.73 8.600.03
5.95 20.06 6.42 9.83 22.96120.17 15.67 207.84 93.20 63.37 1775.63 73.58 144.43 78.57
99.94 13.08 190.94 32.94 42.93 90.14 52.62 139.77 74.7483.17 12.58 168.44 23.84 37.55 84.40 51.63 128.84 63.50
1.83 3.41 0.82 3.69 1.111.83 3.41 0.82 3.69 0.65
0.464.06
14.94 0.50 16.95 5.18 6.062.13 8.29 5.38 5.74 0.99 2.05
0.72 0.17 0.01 4.02 0.03 0.03 0.32 0.20
0.72 0.17 0.01 0.03 0.03 0.03 0.32 0.203.99
3.29 2.42 10.08 1.34 0.02 0.56 4.34 3.370.18 0.06 0.26 1.87 0.260.09 6.77 58.66
0.06
15.94 16.36 1685.44 18.49120.17 15.67 207.84 93.20 63.37 1775.63 73.58 144.43 78.57
50
Profit and Loss Accountupto Poush 2068
Rs. in million
Expenses
1 Interest Expenses 1.1 Deposit Liabilities 1.1.1 Saving A/c 1.1.2 Fixed A/c 1.1.2.1 Upto 3 Months Fixed A/c 1.1.2.2 3 to 6 Months fixed A/c 1.1.2.3 6 Months to 1 Year Fixed A/c 1.1.2.4 Above 1 Year 1.1.3 Call Deposit 1.1.4 Certificate of Deposits 1.2 Others 2 Commission/Fee Expense 3 Employees Expenses 4 Office Operatiing Expenses 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 7. Provision for Risk 7.1 Loan loss Provision
7.1.1 General Loan loss Provision 7.1.2 Special Loan Loss Provision 7.1.3 Additional Loan Loss Provision
7.2. Provision for Non‐Banking Assets 7.3. Provision for Loss on Investment 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus10 Provision for Income Tax11 Others12 Net Profit
TOTAL EXPENSES
Income 1. Interest Income 1.1. On Loans and Advance 1.2. On Investment 1.2.1 Government Bonds 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 1.2.4 Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 1.5 Others 2. Comission & Discount 2.1 Bills Purchase & Discount 2.2 Comission 2.3 Others 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans. 4 Other Operating Income 5 Non Operating Income 6 Provision Written Back 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss
TOTAL INCOME
Pata
n
Few
a
Ever
est
Prud
entia
l
ICFC
IME
Saga
rmat
ha
Shik
har
Civi
l
23.12 118.20 15.63 66.37 177.79 199.66 72.63 39.31 27.4922.75 118.20 15.63 54.74 174.39 199.66 72.17 38.10 26.47
8.70 49.23 7.27 20.61 74.39 140.58 23.31 9.04 9.3314.06 68.98 8.36 34.11 100.00 59.08 48.86 29.06 14.96
2.15 3.68 2.73 5.71 3.28 6.03 3.92 0.012.08 1.35 1.06 1.71 5.70 1.87 0.09
47.16 1.35 11.53 45.40 45.68 32.84 20.79 12.6314.06 17.59 3.34 18.50 47.83 8.42 4.29 2.48 2.22
2.180.02
0.36 11.64 3.40 0.46 1.21 1.02
2.94 9.31 1.74 4.22 14.49 23.06 9.55 3.25 3.521.96 11.53 2.87 4.66 22.63 22.42 6.86 4.12 1.83
0.289.59 29.29 2.07 83.85 2.71 63.10 8.76 8.29 14.929.59 29.29 2.07 82.55 2.71 63.10 8.12 8.29 14.929.59 29.29 0.25 ‐0.95 2.82 8.29 4.44
1.82 82.55 3.02 60.28 8.12 7.790.64 2.69
1.30 0.63
0.93 0.36 2.33 0.03 0.402.78 1.08 6.99 0.10 1.09
6.49 2.52 16.31 33.82 0.23 5.92 2.5437.88 178.54 26.28 159.11 243.26 342.06 98.17 60.89 51.79
25.82 169.13 25.13 76.69 232.67 309.35 92.48 57.75 39.2020.43 150.33 18.96 74.55 184.43 275.68 84.19 52.70 28.66
0.45 0.45 0.33 1.92 0.58 0.54 0.420.45 0.33 1.92 0.58 0.54
0.45 0.42
39.5618.36 5.72 0.54 31.75 8.00
5.39 1.28 8.68 7.71 4.51 2.120.02 0.36 0.18 1.77 0.28 12.55 4.64 3.14 0.05
0.000.02 0.36 0.18 0.04 0.28 12.55 0.46 0.51 0.050.00 1.73 4.18 2.63
0.58 9.05 0.97 10.32 20.16 1.721.04
6.59 10.82
11.46 74.0637.88 178.54 26.28 159.11 243.26 342.06 98.17 60.89 51.79
51
Profit and Loss Accountupto Poush 2068
Rs. in million
Expenses
1 Interest Expenses 1.1 Deposit Liabilities 1.1.1 Saving A/c 1.1.2 Fixed A/c 1.1.2.1 Upto 3 Months Fixed A/c 1.1.2.2 3 to 6 Months fixed A/c 1.1.2.3 6 Months to 1 Year Fixed A/c 1.1.2.4 Above 1 Year 1.1.3 Call Deposit 1.1.4 Certificate of Deposits 1.2 Others 2 Commission/Fee Expense 3 Employees Expenses 4 Office Operatiing Expenses 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 7. Provision for Risk 7.1 Loan loss Provision
7.1.1 General Loan loss Provision 7.1.2 Special Loan Loss Provision 7.1.3 Additional Loan Loss Provision
7.2. Provision for Non‐Banking Assets 7.3. Provision for Loss on Investment 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus10 Provision for Income Tax11 Others12 Net Profit
TOTAL EXPENSES
Income 1. Interest Income 1.1. On Loans and Advance 1.2. On Investment 1.2.1 Government Bonds 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 1.2.4 Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 1.5 Others 2. Comission & Discount 2.1 Bills Purchase & Discount 2.2 Comission 2.3 Others 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans. 4 Other Operating Income 5 Non Operating Income 6 Provision Written Back 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss
TOTAL INCOME
Prab
hu
Impe
rial
Kube
r
NEF
L
Valle
y
Seti
ham
a
relia
ble
Lord
Bu
ddha
247.15 50.21 67.71 29.56 51.02 4.75 18.92 94.29 27.61247.08 49.57 63.70 28.20 49.95 4.75 18.90 89.92 27.61153.75 15.41 15.48 15.57 8.25 3.10 5.07 50.82 15.12
93.33 34.16 48.22 12.63 41.71 1.65 9.45 39.09 12.502.61 2.83 0.03 1.69 2.17 1.949.57 0.52 0.18 4.39 0.01 0.09 2.70 1.40
71.41 13.31 48.22 8.42 9.76 1.02 3.95 29.93 8.099.74 17.50 4.00 27.55 0.63 3.72 4.29 1.07
4.38
0.07 0.64 4.01 1.37 1.06 0.02 4.37
29.49 3.61 7.21 4.44 5.50 2.39 3.02 9.06 2.3950.30 2.53 12.22 3.92 7.41 0.72 3.65 9.72 2.47
0.09 0.025.80 2.50 0.87 0.68 12.61 0.53 25.37 3.34 6.105.80 0.87 0.68 12.61 0.32 25.37 6.105.80 0.87 0.07 0.07 ‐1.13 6.10
0.68 12.54 0.25 29.52‐3.02
0.21 3.342.50
4.41 1.17 1.67 0.4713.23 3.50 2.52 5.00 1.41
30.87 5.44 8.17 1.71 2.79 11.67 3.29381.35 64.29 88.01 51.45 78.27 11.18 53.48 134.75 43.75
344.08 56.70 60.75 48.05 73.76 10.40 28.66 122.66 43.72287.58 44.46 58.67 38.86 68.38 9.25 25.12 105.23 32.05
3.74 0.02 0.30 0.46 1.44 0.720.30 0.46 1.44
0.02 0.723.74
23.731.40 1.58 5.38 3.07 15.96 6.44
29.04 12.22 0.69 7.32 1.14 0.00 0.03 4.517.19 0.05 2.18 0.83 0.49 0.11 0.04 1.89 0.02
7.19 0.05 2.18 0.83 0.49 0.11 0.04 1.80 0.020.09
11.66 0.9011.66 0.90
11.54 1.78 0.91 2.57 3.35 0.67 2.34 4.563.16 0.30 0.67 0.153.73 5.46 0.10 4.60
24.08 22.45381.35 64.29 88.01 51.45 78.27 11.18 53.48 134.75 43.75
52
Profit and Loss Accountupto Poush 2068
Rs. in million
Expenses
1 Interest Expenses 1.1 Deposit Liabilities 1.1.1 Saving A/c 1.1.2 Fixed A/c 1.1.2.1 Upto 3 Months Fixed A/c 1.1.2.2 3 to 6 Months fixed A/c 1.1.2.3 6 Months to 1 Year Fixed A/c 1.1.2.4 Above 1 Year 1.1.3 Call Deposit 1.1.4 Certificate of Deposits 1.2 Others 2 Commission/Fee Expense 3 Employees Expenses 4 Office Operatiing Expenses 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 7. Provision for Risk 7.1 Loan loss Provision
7.1.1 General Loan loss Provision 7.1.2 Special Loan Loss Provision 7.1.3 Additional Loan Loss Provision
7.2. Provision for Non‐Banking Assets 7.3. Provision for Loss on Investment 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus10 Provision for Income Tax11 Others12 Net Profit
TOTAL EXPENSES
Income 1. Interest Income 1.1. On Loans and Advance 1.2. On Investment 1.2.1 Government Bonds 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 1.2.4 Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 1.5 Others 2. Comission & Discount 2.1 Bills Purchase & Discount 2.2 Comission 2.3 Others 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans. 4 Other Operating Income 5 Non Operating Income 6 Provision Written Back 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss
TOTAL INCOME
Swas
tik
Api
Nam
aste
Kask
i
Sury
adar
shan
Zeni
th
Uni
que
Man
jush
ree
Subh
alax
mi
16.94 37.84 3.07 61.59 32.02 44.92 23.59 38.36 28.6916.94 37.84 3.07 61.59 30.35 44.83 18.49 37.06 28.69
6.83 24.35 2.56 27.39 13.33 26.72 3.45 20.36 4.5210.11 13.49 0.51 34.20 17.03 18.11 15.04 16.70 22.47
0.48 2.79 1.95 0.11 0.15 0.42 0.580.27 1.45 1.21 0.06 1.75 0.61
6.17 10.07 0.02 28.54 13.54 12.39 13.33 6.85 6.123.95 2.66 0.49 2.86 0.08 4.41 1.50 7.68 15.16
1.70
1.67 0.09 5.09 1.30
2.60 4.90 1.10 5.74 3.10 5.77 2.10 3.43 4.503.08 5.75 0.40 6.53 3.84 4.99 2.97 6.28 6.30
0.75 1.14 0.65 6.27 4.10 2.63 2.02 0.890.75 1.14 0.65 6.27 4.10 2.63 2.02 0.890.75 1.14 0.32 0.17 2.02
0.32 6.27 3.92 0.712.63 0.18
0.94 1.44 0.67 1.38 1.032.82 4.31 2.00 4.15 3.10
4.13 6.58 2.58 10.05 4.67 9.69 12.45 5.77 7.2327.50 59.97 7.79 95.92 46.29 75.00 43.74 55.87 51.73
25.97 54.69 6.63 91.88 44.23 68.46 42.45 53.41 49.1721.18 43.60 5.21 80.30 34.75 56.17 37.32 51.61 49.17
0.18 0.33 0.39 0.05 0.700.18 0.39 0.05 0.70
0.33
4.43 9.68 1.12 6.68 12.240.18 1.41 0.30 11.25 2.42 4.43 1.800.38 0.52 0.15 0.15 1.29 2.46 0.10
0.25 0.52 0.15 0.15 0.49 0.100.12 1.29 1.97
1.15 4.76 0.79 4.04 0.79 6.39 2.460.08
1.13 0.07
27.50 59.97 7.57 95.92 46.29 75.00 43.74 55.87 51.73
53
Profit and Loss Accountupto Poush 2068
Rs. in million
Expenses
1 Interest Expenses 1.1 Deposit Liabilities 1.1.1 Saving A/c 1.1.2 Fixed A/c 1.1.2.1 Upto 3 Months Fixed A/c 1.1.2.2 3 to 6 Months fixed A/c 1.1.2.3 6 Months to 1 Year Fixed A/c 1.1.2.4 Above 1 Year 1.1.3 Call Deposit 1.1.4 Certificate of Deposits 1.2 Others 2 Commission/Fee Expense 3 Employees Expenses 4 Office Operatiing Expenses 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 7. Provision for Risk 7.1 Loan loss Provision
7.1.1 General Loan loss Provision 7.1.2 Special Loan Loss Provision 7.1.3 Additional Loan Loss Provision
7.2. Provision for Non‐Banking Assets 7.3. Provision for Loss on Investment 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus10 Provision for Income Tax11 Others12 Net Profit
TOTAL EXPENSES
Income 1. Interest Income 1.1. On Loans and Advance 1.2. On Investment 1.2.1 Government Bonds 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 1.2.4 Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 1.5 Others 2. Comission & Discount 2.1 Bills Purchase & Discount 2.2 Comission 2.3 Others 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans. 4 Other Operating Income 5 Non Operating Income 6 Provision Written Back 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss
TOTAL INCOME
Jebi
ls
Relia
nce
Lotu
s
Baib
hav
Bhak
tapu
r
17.62 50.03 14.34 6.40 5.0417.62 48.46 14.34 6.40 5.04
3.71 24.73 7.31 5.02 2.299.03 23.73 7.03 1.37 0.740.12 3.72 0.120.64 3.54 0.02 0.073.27 6.94 5.57 0.83 0.225.00 9.53 1.31 0.54 0.454.88 2.01
1.57
4.43 3.83 2.23 2.60 1.404.72 5.44 4.29 2.42 2.10
3.58 1.73 0.58 0.22 0.483.58 1.73 0.58 0.22 0.481.47 1.73 0.22 0.22 0.482.11 0.23
0.13
0.00
0.14 0.69 0.270.47 2.08 0.81
0.96 4.85 5.28 5.14 2.0831.91 68.66 26.72 16.78 12.19
26.53 66.81 24.20 15.43 11.6722.91 51.68 19.28 10.85 4.17
0.31 0.15 0.28 0.01 0.020.31 0.15 0.02
0.010.28
3.31 7.88 4.57 7.030.00 7.11 4.64 0.450.65 0.45 0.04 1.35 0.52
0.65 0.45 0.04 0.001.35 0.51
1.89 1.40 1.49
2.84 0.99
31.91 68.66 26.72 16.78 12.19
54
Statement of Loans and Advancesas on Poush end 2068
Rs. in million
NBL
RBB
NA
BIL
NIB
L
SCBN
L
HBL
NSB
I
NBB
L
EBL
BOK
NCC NIC
LBL
MBL
Kum
ari
Laxm
i
1 Agricultural and Forest Related 289.44 583.28 307.03 350.94 621.16 405.46 481.49 46.97 1884.08 269.81 293.75 763.84 198.52 64.13 328.79 411.832 Fishery Related 51.41 371.79 6.413 Mining Related 44.81 743.16 25.44 41.49 28.04 2.35 300.00 47.96 842.614 Manufacturing (Producing) Related 5026.03 5356.37 12155.21 13829.84 3866.94 11880.33 4594.76 2280.04 6480.38 5749.29 2132.50 5012.99 672.49 3327.22 3249.14 4099.695 Construction 2407.81 3730.80 5032.86 1540.73 4009.04 1462.24 2781.46 2547.59 4464.76 1441.46 964.84 1999.56 828.64 1113.13 2132.85 3150.166 Electricity,Gas and Water 265.07 319.17 121.14 220.56 23.02 899.44 139.23 5.80 469.55 853.46 296.75 140.97 182.56 869.53 16.17 270.307 Metal Products, Mach. & Ele. Eqp. 53.68 867.19 531.38 301.54 298.29 37.24 548.73 151.66 704.66 258.65 294.53 11.35 7.26 126.62 586.08 37.058 Tras., Com. and Public Utilities 900.43 1572.52 3830.52 1007.04 15.42 1642.46 985.68 367.23 3092.32 157.31 626.34 283.43 206.14 526.69 766.35 857.029 Wholesaler & Retailer 5251.74 9674.12 9638.34 6075.61 2486.39 5051.07 7456.07 1998.65 11462.49 4168.86 1633.91 2596.96 1609.34 2591.16 2448.04 2614.83
10 Finance, Insurance and Real Estate 833.36 2233.64 3415.65 5595.97 1444.96 5476.40 841.32 639.33 3291.52 2323.29 1731.83 1725.77 385.61 1793.08 2419.94 3255.4511 Hotel or Restaurant 367.17 679.91 1069.66 2118.43 39.96 790.05 290.33 428.04 693.52 155.50 256.01 95.32 680.19 123.24 427.21 32.7212 Other Services 388.49 1532.45 2217.58 2514.35 144.90 2849.37 272.28 476.54 950.44 1200.57 219.77 304.86 252.77 552.70 974.39 515.9713 Consumption Loans 8147.09 6713.49 210.35 1440.80 3535.41 708.20 280.76 547.90 1865.08 1209.78 909.72 1028.77 38.94 331.05 725.50 543.1714 Local Government 218.39 138.81 255.20 57.29 134.6315 Others 3482.00 2187.88 3061.31 6216.76 2499.18 3225.91 4529.95 1221.08 908.19 1065.01 461.28 1359.06 1516.66 2307.40 1798.38 402.00
TOTAL 27457.10 36463.78 41616.46 41254.06 19123.48 35055.15 23202.07 10745.28 36269.34 19152.98 9821.23 15322.87 6636.41 13773.92 16715.44 16324.84
Product wise credit1 Term Loan 5867.50 3373.42 5732.00 5720.09 2491.20 5222.15 1210.04 1474.99 4883.75 2522.06 903.67 824.87 779.28 2297.48 2427.89 2601.392 Overdraft 3023.60 4952.96 8709.67 9599.76 1174.92 5371.79 1138.83 2919.64 2561.63 4515.82 3168.32 1041.75 729.93 2946.89 4916.38 2326.113 Trust Receipt Loan / Import Loan 1024.10 652.72 4114.73 4040.94 1153.06 4425.74 1333.21 851.91 1296.83 1128.21 635.62 1260.02 108.49 1244.27 708.61 601.684 Demand & Other Working Capital Loan 4772.50 11791.04 5911.97 8335.60 3699.03 8046.92 10559.60 1554.26 14399.65 4141.64 956.20 4183.69 1353.41 1070.93 2845.17 4367.315 Res. Per. H. Loan (Up to Rs. 10 mil.) 1776.10 2916.77 2516.89 788.47 2849.75 1468.31 2244.80 486.86 3873.95 1299.08 587.48 1367.48 145.63 510.17 1303.33 691.116 Real Estate Loan 415.20 1912.86 5011.97 8523.01 1793.16 3666.72 1485.69 871.52 2205.16 1532.39 1477.35 1799.33 1166.41 2723.92 2864.48 3007.767 Margin Nature Loan 724.70 486.84 76.15 917.98 2.09 0.14 74.74 124.91 117.92 247.79 52.74 24.97 288.33 201.268 Hire Purchase Loan 1783.30 1347.56 3962.81 1593.71 3440.89 1693.64 423.38 1150.00 4716.69 1270.94 780.18 1088.48 432.58 879.62 586.04 471.739 Deprived Sector Loan 572.50 1174.66 1162.45 1355.77 584.01 988.42 714.86 322.23 1039.58 721.79 311.63 483.46 204.03 479.38 518.27 501.44
10 Bills Purchased 28.10 75.52 117.62 97.14 1072.52 2168.62 112.75 72.09 41.76 1299.83 15.96 14.48 0.13 14.35 41.53 885.9011 Other Product 7469.50 7779.43 4376.37 1123.41 864.93 1084.85 3976.83 1041.64 1175.60 596.30 866.90 3011.52 1663.78 1581.94 215.41 669.16
27457.10 36463.78 41616.46 41254.06 19123.48 35055.15 23202.07 10745.28 36269.34 19152.98 9821.23 15322.87 6636.41 13773.92 16715.44 16324.84
Security wise credit1 Gold and Silver 6326.93 6452.81 35.93 1046.95 128.54 0.13 420.49 12.66 8.08 1.00 24.432 Government Securities 568.14 516.59 100.44 3.42 1228.49 0.24 175.92 59.67 21.41 3.60 57.29 0.893 Non Governmental Securities 10.99 152.91 103.03 888.22 2.09 927.97 2.20 217.91 273.41 38.46 29.92 156.414 Fixed Deposit Receipts 161.89 478.15 559.33 165.28 274.58 322.05 906.19 252.11 877.44 953.16 193.66 154.77 39.61 144.05 133.60 83.46
4.1 Own 157.12 324.32 489.55 165.28 133.79 321.69 906.19 252.11 876.87 948.41 193.66 154.77 39.61 82.46 133.60 83.464.2 Other Licences Institutions 4.77 153.83 69.79 140.78 0.36 0.57 4.75 61.59
5 Collateral of Properties 16860.22 27887.64 31168.17 35466.52 14848.65 30591.04 20238.57 9206.46 32256.41 16037.38 8257.25 14343.60 5801.09 13082.02 15991.03 15456.745.1 Fixed Assets 14051.26 27721.84 23846.90 30166.06 12698.51 29063.39 17179.48 8667.36 13114.80 13345.73 6569.56 9232.27 5665.93 9663.56 14941.10 11122.085.2 Current Assets 2808.96 165.80 7321.27 5300.47 2150.13 1527.64 3059.08 539.10 19141.61 2691.65 1687.69 5111.33 135.16 3418.47 1049.93 4334.66
6 Against security of Bill 311.30 192.94 3871.59 129.60 2168.62 188.44 97.60 128.32 1375.91 6.85 4.42 252.78 48.52 5.606.1 Domestic Bills 25.35 49.69 129.37 84.43 27.43 14.41 47.69 0.156.2 Foreign Bills 311.30 167.59 3821.91 129.60 2039.25 104.00 70.17 113.91 1375.91 6.85 4.42 252.78 0.83 5.46
7 Against Guarantee 533.02 266.86 46.00 532.56 292.37 1012.15 694.02 957.04 1000.62 749.14 360.79 473.29 150.49 414.73 267.74 138.517.1 Government Guarantee 235.93 11.00 368.27 138.81 156.12 91.30 217.83 2.17 71.84 139.16 129.84 0.77 134.637.2 Institutional Guarantee 220.34 241.23 156.18 153.57 439.90 318.60 698.81 127.04 233.40 334.13 117.73 250.62 266.977.3 Personal Guarantee 25.68 12.51 7.40 547.14 50.68 55.27 0.02 34.26 0.00 3.887.4 Collective Guarantee 1.07 2.02 2.72 0.00 5.297.5 Int. Rtd. Foreign Bank's Guarantee 26.97 98.00 0.287.6 Other Guarantee 50.00 0.10 43.28 0.70 985.18 33.30 614.64 32.74
8 Credit Card 135.92 41.65 109.12 72.83 13.65 10.069 Others 2684.62 515.88 5699.06 3765.05 2370.27 996.84 103.53 1018.91 364.28 57.12 296.69 46.61 160.07 610.74
Total 27457.10 36463.78 41616.46 41254.06 19123.48 35055.15 23202.07 10745.28 36269.34 19152.98 9821.23 15322.87 6636.41 13773.92 16715.44 16324.84
TOTAL LOAN & ADVANCES
Sector wise credit
55
Statement of Loans and Advancesas on Poush end 2068
Rs. in million
1 Agricultural and Forest Related 2 Fishery Related 3 Mining Related 4 Manufacturing (Producing) Related 5 Construction 6 Electricity,Gas and Water 7 Metal Products, Mach. & Ele. Eqp. 8 Tras., Com. and Public Utilities 9 Wholesaler & Retailer
10 Finance, Insurance and Real Estate 11 Hotel or Restaurant 12 Other Services 13 Consumption Loans 14 Local Government 15 Others
TOTAL
Product wise credit1 Term Loan2 Overdraft3 Trust Receipt Loan / Import Loan4 Demand & Other Working Capital Loan5 Res. Per. H. Loan (Up to Rs. 10 mil.)6 Real Estate Loan7 Margin Nature Loan8 Hire Purchase Loan9 Deprived Sector Loan
10 Bills Purchased11 Other Product
Security wise credit1 Gold and Silver 2 Government Securities 3 Non Governmental Securities 4 Fixed Deposit Receipts
4.1 Own 4.2 Other Licences Institutions
5 Collateral of Properties 5.1 Fixed Assets 5.2 Current Assets
6 Against security of Bill 6.1 Domestic Bills 6.2 Foreign Bills
7 Against Guarantee 7.1 Government Guarantee 7.2 Institutional Guarantee 7.3 Personal Guarantee 7.4 Collective Guarantee 7.5 Int. Rtd. Foreign Bank's Guarantee 7.6 Other Guarantee
8 Credit Card 9 Others
Total
TOTAL LOAN & ADVANCES
Sector wise credit SBL
AD
BNL
Glo
bal
Citi
zens
Prim
e
BOA
Sunr
ise
DCB
L
NM
B
Kist
Jana
ta
Meg
a
CTBN
L
Civi
l Ban
k
Cent
ury
NID
C
229.76 8430.94 50.85 80.97 271.17 71.79 29.38 192.62 155.91 303.84 104.76 8.37 271.53 13.90 54.00 19.631675.02 0.50 0.29
90.92 0.90 2.31 19.75 450.32 141.86 154.69 81.43 9.98 169.60 29.933701.74 5033.35 3973.12 2862.26 4095.35 2016.68 3549.23 2079.54 3436.93 1296.39 2732.96 2196.62 1034.18 2010.05 529.74 696.612429.31 2441.57 1084.37 743.44 1214.39 2002.96 508.53 679.10 1381.61 2013.11 155.76 481.10 269.77 279.98 372.96
650.09 5.11 18.37 895.46 747.06 507.11 101.49 3.43 147.73 286.84 312.18 290.68 61.70 29.2085.01 150.94 170.94 76.78 39.80 571.93 83.64 92.98 463.94 65.99 236.28 463.95 328.48 31.80 1.42 4.01
936.17 199.96 122.64 195.88 266.06 1817.92 447.23 1001.30 701.74 662.01 148.20 1097.49 462.17 73.82 28.282948.05 11026.12 3130.03 1249.35 2530.13 2164.04 2302.08 1265.59 1953.22 2250.08 763.58 1368.02 541.32 1210.57 447.11 67.542925.05 574.39 996.66 2678.90 2914.20 1418.23 3647.32 2504.92 1594.87 2799.57 420.11 359.07 132.23 880.29 141.64 117.07
267.04 1007.18 494.82 140.14 134.23 157.19 300.22 354.79 105.75 1010.93 261.68 372.72 109.43 312.28 7.80 394.091100.06 2475.45 375.49 655.16 551.93 390.71 638.94 564.47 771.02 1454.78 239.06 297.30 131.62 391.23 90.43 47.92
121.35 389.24 332.13 884.81 456.19 254.87 1018.74 54.45 807.96 740.22 400.17 420.01 58.49 54.60 138.00 3.16135.05 77.19
3859.44 7559.52 4105.28 2133.48 5192.32 535.32 861.35 810.46 478.46 773.12 349.92 214.56 378.02 21.98 112.51 19.7819479.04 40969.70 14857.51 12616.38 18863.15 12127.80 13642.84 9685.09 11999.14 13657.17 5822.47 7761.00 4037.85 5342.19 1923.89 1399.01
3334.47 12749.09 947.63 2718.18 1774.57 1463.76 1725.21 1458.11 1390.57 2741.95 908.65 570.60 503.32 283.81 226.45 910.024771.99 2521.29 3733.54 2447.23 4998.33 2538.09 2097.46 861.30 714.07 3701.49 1323.24 406.19 948.45 1354.17 599.59 63.20
680.73 1143.48 378.41 720.34 238.68 1311.33 550.40 610.81 135.29 570.16 909.91 293.57 638.06 236.743050.13 18224.57 4219.01 1445.77 572.87 1984.67 3123.58 2965.72 2544.85 1244.60 1971.19 3788.28 1627.85 1944.70 365.22 257.10
824.77 2021.55 395.11 413.86 810.08 671.24 518.65 122.14 805.32 536.77 119.71 91.15 47.50 57.74 188.64 12.444326.37 312.38 2506.20 2534.90 3891.17 2317.43 2801.84 2397.24 1433.22 3049.59 196.66 197.48 159.76 378.08 192.96 108.96
476.31 319.27 64.24 702.10 114.46 81.71 268.74 323.56 412.06 84.21 176.29 18.68 51.94932.38 8.09 920.04 930.54 580.05 1561.15 833.86 181.44 1165.74 999.30 221.68 874.10 173.45 92.35 60.93 20.01611.35 4883.54 400.62 442.07 579.64 406.15 430.09 296.11 373.71 440.14 122.74 163.53 103.60 117.37 9.75282.27 28.86 81.31 120.40 102.47 6.12 18.15 517.23 21.16 4.86 3.05 6.90188.29 249.21 243.75 1159.87 4113.60 729.70 713.01 565.73 2120.03 374.81 299.36 756.71 4.06 450.33 1.42 17.53
19479.04 40969.70 14857.51 12616.38 18863.15 12127.80 13642.84 9685.09 11999.14 13657.17 5822.47 7761.00 4037.85 5342.19 1923.89 1399.01
460.23 2784.90 517.03 187.27 17.500.04
15.83 95.69 59.93 743.15 114.46 365.67 423.80 99.20 37.18 27.50 18.68 51.95286.96 293.03 1.68 132.15 127.78 140.41 86.57 12.29 93.84 181.69 2.64 54.73 2.11 31.83 25.13282.74 293.03 1.66 128.35 127.78 135.96 86.57 12.29 93.84 181.69 2.64 52.95 2.11 31.83 2.17
4.23 0.02 3.80 4.45 1.78 22.9617659.61 40676.67 3080.09 10280.29 14255.06 11791.33 12139.34 9132.18 10750.93 12236.40 5291.07 7434.84 3753.37 4828.79 1846.8112246.44 40676.67 2077.90 7617.63 13833.71 8482.32 9192.74 7298.69 7744.91 12172.85 3150.63 4082.67 1095.70 3392.02 777.20
5413.17 1002.19 2662.66 421.35 3309.01 2946.60 1833.49 3006.03 63.54 2140.43 3352.17 2657.68 1436.77 1069.616.92 17.50 257.84 4.41 18.16 54.42 22.06 92.55 30.30 0.00 328.01
17.50 21.98 4.41 17.00 15.68 19.966.92 235.87 18.16 54.42 5.06 76.88 30.30 0.00 308.06
619.33 88.51 6.73 533.53 77.19 346.22 103.02 603.56 676.01 15.29 76.10 117.37135.05 6.73 117.80 77.19 52.81 34.91484.28 415.13 346.22 102.99 507.11 276.60 76.10 117.37
43.05 0.60 0.03 39.81 358.71 0.004.90 3.83 5.78 15.29
40.5622.31
890.38 11551.73 1419.21 418.72 553.70 419.45 130.67 117.20 149.73 188.65 178.77 1399.0119479.04 40969.70 14857.51 12616.38 18863.15 12127.80 13642.84 9685.09 11999.14 13657.17 5822.47 7761.00 4037.85 5342.19 1923.89 1399.01
56
Statement of Loans and Advancesas on Poush end 2068
Rs. in million
1 Agricultural and Forest Related 2 Fishery Related 3 Mining Related 4 Manufacturing (Producing) Related 5 Construction 6 Electricity,Gas and Water 7 Metal Products, Mach. & Ele. Eqp. 8 Tras., Com. and Public Utilities 9 Wholesaler & Retailer
10 Finance, Insurance and Real Estate 11 Hotel or Restaurant 12 Other Services 13 Consumption Loans 14 Local Government 15 Others
TOTAL
Product wise credit1 Term Loan2 Overdraft3 Trust Receipt Loan / Import Loan4 Demand & Other Working Capital Loan5 Res. Per. H. Loan (Up to Rs. 10 mil.)6 Real Estate Loan7 Margin Nature Loan8 Hire Purchase Loan9 Deprived Sector Loan
10 Bills Purchased11 Other Product
Security wise credit1 Gold and Silver 2 Government Securities 3 Non Governmental Securities 4 Fixed Deposit Receipts
4.1 Own 4.2 Other Licences Institutions
5 Collateral of Properties 5.1 Fixed Assets 5.2 Current Assets
6 Against security of Bill 6.1 Domestic Bills 6.2 Foreign Bills
7 Against Guarantee 7.1 Government Guarantee 7.2 Institutional Guarantee 7.3 Personal Guarantee 7.4 Collective Guarantee 7.5 Int. Rtd. Foreign Bank's Guarantee 7.6 Other Guarantee
8 Credit Card 9 Others
Total
TOTAL LOAN & ADVANCES
Sector wise credit
Udd
hyam
Mal
ika
SDBL
UD
BL
MD
BL
Nar
ayan
i
PDBL
Saha
yogi
Pash
upat
i
Karn
ali
Triv
eni
Ann
apur
na
Bhri
kuti
Suve
kchh
a
Bage
shw
ori
Sani
ma
Gau
rish
ank
ar
18.33 16.33 190.59 24.08 26.92 9.26 258.08 23.35 50.02 86.83 279.64 56.93 68.09 27.95 18.60 3.15 24.134.24 2.15 2.02 0.40 1.08 0.07
21.13 12.94 11.95 1.02 7.13 3.7013.73 163.26 296.58 0.30 156.25 21.76 128.16 22.66 177.57 46.75 111.34 28.63 264.32 4.88 67.83 1115.75 29.9224.32 35.16 335.22 4.04 698.92 67.65 189.61 117.66 46.55 45.01 162.34 59.65 72.13 129.74 1286.16 83.43
1.20 14.55 9.00 1.53 2.48 0.52 376.06178.91 15.42 0.01 18.88 2.39 13.25 42.27 2.60
18.93 84.15 316.53 1.61 46.95 179.81 8.65 43.23 46.11 201.83 70.13 264.85 157.48 113.47 776.89 55.5934.76 445.65 493.13 19.74 587.08 212.06 251.56 230.78 150.52 160.85 145.03 247.73 837.58 422.98 427.36 957.06 38.3113.39 20.00 470.68 306.63 119.30 127.55 173.39 15.44 207.64 683.79 29.0713.96 35.47 284.97 151.16 18.10 37.85 1.44 18.68 228.03 0.11 75.20 84.79 6.48
8.42 50.37 249.05 58.74 30.88 52.03 32.10 143.45 52.04 16.83 281.39 12.84 79.19 508.39 20.451.92 30.54 360.11 302.57 75.71 36.48 18.86 30.52 14.62 21.37 16.68 23.77 53.46 12.93 456.25 17.55
1.50 0.2318.29 243.77 161.94 18.91 96.36 144.66 218.07 287.97 145.97 464.24 285.44 214.86 33.81 62.68 556.55 298.68
166.05 1130.13 3375.54 68.68 2406.57 715.44 1477.03 762.38 855.30 543.63 1502.78 1221.87 1954.85 786.72 1007.38 6847.12 609.96
10.20 45.17 753.04 197.07 29.55 178.85 67.64 207.60 90.12 85.78 88.48 177.38 1215.78 195.7961.84 98.58 144.66 443.23 202.53 420.64 1163.26 248.44 521.93 1313.13 202.10
1.29 787.09 863.95 1077.72 212.06 240.56 290.11 49.68 869.84 846.16 1.2017.92 35.16 4.04 122.78 61.67 42.40 98.07 41.47 98.19 57.25 186.81 66.47 133.41 380.26 63.8813.39 790.82 520.59 119.30 242.58 18.38 156.45 45.01 169.34 208.09 148.11 83.40 1525.91 29.07
2.44 105.61 287.52 64.58 0.89 0.20 45.33 90.9215.55 101.01 347.33 1.61 30.02 46.95 135.64 8.48 64.08 46.11 194.94 24.74 272.58 189.61 113.47 796.85 51.01
7.67 30.86 104.56 1.99 71.10 19.31 64.47 24.68 31.97 22.20 64.10 35.73 67.25 33.81 33.78 192.82 44.4218.09
38.19 128.40 392.14 61.04 1.17 17.37 368.97 372.20 0.86 222.71 415.76 26.22 31.07 31.18 27.42 485.29 22.50166.05 1130.13 3375.54 68.68 2406.57 715.44 1477.03 762.38 855.30 543.63 1502.78 1221.87 1954.85 786.72 1007.38 6847.12 609.96
16.00105.61 272.78 64.58 0.89
0.84 13.67 72.27 3.91 11.13 19.98 18.86 0.86 14.62 68.10 12.16 16.03 21.32 12.90 127.22 7.860.84 13.67 72.27 3.91 11.13 19.98 18.86 0.86 14.62 68.10 12.16 16.03 21.32 12.90 127.22 7.86
164.81 1093.97 3133.35 40.40 2053.59 637.01 1441.91 741.52 825.81 529.01 1126.92 1176.81 1938.82 765.40 994.49 6420.63 596.10164.81 1093.97 3133.35 40.40 2053.59 637.01 1441.66 741.52 825.81 529.01 812.61 1176.81 1938.82 765.40 994.49 6420.63 596.10
0.25 314.3118.0918.09
0.40 1.20 30.22 28.28 41.10 2.72 14.25 28.44 3.70 6.19 5.270.40 2.72 0.04 1.50 3.70
30.02 41.10 20.000.20 28.28 13.38 6.94 6.19 0.01
1.20 0.84 5.26
21.29 35.19 2.01 0.20 307.76 29.19 293.07 0.73166.05 1130.13 3375.54 68.68 2406.57 715.44 1477.03 762.38 855.30 543.63 1502.78 1221.87 1954.85 786.72 1007.38 6847.12 609.96
57
Statement of Loans and Advancesas on Poush end 2068
Rs. in million
1 Agricultural and Forest Related 2 Fishery Related 3 Mining Related 4 Manufacturing (Producing) Related 5 Construction 6 Electricity,Gas and Water 7 Metal Products, Mach. & Ele. Eqp. 8 Tras., Com. and Public Utilities 9 Wholesaler & Retailer
10 Finance, Insurance and Real Estate 11 Hotel or Restaurant 12 Other Services 13 Consumption Loans 14 Local Government 15 Others
TOTAL
Product wise credit1 Term Loan2 Overdraft3 Trust Receipt Loan / Import Loan4 Demand & Other Working Capital Loan5 Res. Per. H. Loan (Up to Rs. 10 mil.)6 Real Estate Loan7 Margin Nature Loan8 Hire Purchase Loan9 Deprived Sector Loan
10 Bills Purchased11 Other Product
Security wise credit1 Gold and Silver 2 Government Securities 3 Non Governmental Securities 4 Fixed Deposit Receipts
4.1 Own 4.2 Other Licences Institutions
5 Collateral of Properties 5.1 Fixed Assets 5.2 Current Assets
6 Against security of Bill 6.1 Domestic Bills 6.2 Foreign Bills
7 Against Guarantee 7.1 Government Guarantee 7.2 Institutional Guarantee 7.3 Personal Guarantee 7.4 Collective Guarantee 7.5 Int. Rtd. Foreign Bank's Guarantee 7.6 Other Guarantee
8 Credit Card 9 Others
Total
TOTAL LOAN & ADVANCES
Sector wise credit
Gur
kha
Gan
daki
Infr
astr
uctu
re
Busi
ness
Bira
tlax
mi
Exce
l
WD
BL
H &
B
Ara
niko
ND
EP
CED
BL
Mit
eri
Tina
u
Risi
ng
Muk
tina
th
Sew
a
Kank
ai
11.50 38.89 27.04 5.91 120.52 94.63 1.23 42.13 23.79 127.77 99.20 17.77 33.74 49.13 17.95 135.04 6.902.01 0.70 0.10 0.80
33.81 3.68 0.32 4.17 28.0614.48 47.60 138.78 31.90 125.78 59.00 16.09 284.33 10.01 130.05 385.23 18.49 21.98 66.06 66.72 22.9158.60 139.31 224.67 253.42 102.74 3.00 18.85 1248.28 68.31 587.87 292.81 53.10 16.68 151.30 514.73 101.74 30.21
19.26 1.28 432.6012.37 0.12 80.91 4.08 41.02 6.04 11.96 351.16 0.25 6.29 16.58
110.34 125.85 57.02 483.15 40.33 70.21 414.16 55.73 154.74 450.34 33.84 71.45 419.53 183.17 13.34180.12 320.67 573.39 166.84 538.07 398.18 120.22 1090.88 56.23 353.91 591.89 97.29 254.78 56.82 245.24 458.00 113.53890.69 49.41 185.88 120.88 493.84 16.49 422.43 693.38 32.82 57.30 5.00 33.33
34.88 52.42 28.73 26.95 46.33 16.18 136.92 7.54 118.32 78.91 9.61 13.95 0.7062.09 43.56 56.95 24.47 52.63 75.16 33.80 390.27 3.47 539.77 32.00 15.43 98.09 5.83 128.02
239.40 41.79 30.02 40.34 86.46 125.50 12.63 204.48 10.53 500.18 78.52 107.76 7.84 24.12 16.29 26.40 6.511.50 1.37
789.53 390.58 536.67 178.51 504.34 215.23 121.21 978.02 102.69 612.12 444.27 113.85 81.63 358.05 630.10 31.43 104.532425.42 1268.13 1673.39 1478.60 1530.53 1182.32 410.42 5348.46 362.22 3559.13 3930.32 502.51 649.76 716.31 1843.84 1223.81 298.63
44.96 43.49 132.32 164.13 354.51 36.29 130.23 275.68 66.83 431.89 697.08 15.63 39.95 47.91 203.22 86.35504.28 507.53 1010.52 201.34 603.93 262.11 154.87 928.20 141.33 1186.07 1138.63 97.35 354.61 141.39 197.33 379.36 147.45
332.12 13.06 211.28 555.19 12.58 1105.45 10.03 490.95 3.20 162.6258.49 114.94 60.74 253.42 102.74 53.90 18.85 610.00 42.70 176.46 236.88 37.40 149.23 489.11 137.47 28.09
933.05 103.28 247.60 142.27 15.77 63.34 686.66 11.53 641.74 704.73 32.82 60.29 5.00 25.62 47.49 12.10226.39 61.74 1.03 76.03 0.78 287.00 166.67 0.68 0.70
69.51 136.18 57.02 510.41 25.85 35.93 70.21 559.39 60.27 169.55 365.46 43.51 80.91 48.39 419.53 175.50 13.5816.67 34.29 39.75 46.10 35.32 38.02 9.68 125.33 19.80 127.59 118.54 16.99 20.53 30.34 496.55 38.27 10.72
5.70239.95 315.38 63.70 160.92 181.14 136.51 14.00 976.04 8.94 538.84 11.39 255.60 92.79 341.96 167.79 79.18 0.35
2425.42 1268.13 1673.39 1478.60 1530.53 1182.32 410.42 5348.46 362.22 3559.13 3930.32 502.51 649.76 716.31 1843.84 1223.81 298.63
13.82 87.34 1.26 142.16 89.23 8.11 0.13
226.39 1.03 1.74 273.56 168.6713.01 17.59 30.02 13.07 60.62 17.12 12.62 103.31 3.22 54.64 35.49 6.78 5.07 16.01 16.29 12.81 0.2613.01 17.59 30.02 13.07 60.62 17.12 12.62 103.13 3.22 54.64 35.49 6.78 5.07 16.01 16.29 12.81 0.26
0.182172.76 1236.73 1581.50 1465.53 1469.92 1072.58 397.80 4903.45 357.76 2918.19 3427.48 406.50 633.60 692.19 1331.00 1208.62 298.242172.76 1236.73 1581.50 1465.53 1469.92 1072.58 397.80 4876.99 357.76 2915.92 3310.72 406.50 633.60 692.19 1331.00 1208.62 298.24
26.46 2.27 116.765.705.70
0.12 21.36 0.08 5.53 79.76 11.09 496.55 2.3815.88 1.37
0.12 9.00 0.19 63.88 10.78 0.212.36 0.08 5.34 0.31 496.55
0.8110.00
13.26 61.74 4.26 311.64 1.15 165.06 218.932425.42 1268.13 1673.39 1478.60 1530.53 1182.32 410.42 5348.46 362.22 3559.13 3930.32 502.51 649.76 716.31 1843.84 1223.81 298.63
58
Statement of Loans and Advancesas on Poush end 2068
Rs. in million
1 Agricultural and Forest Related 2 Fishery Related 3 Mining Related 4 Manufacturing (Producing) Related 5 Construction 6 Electricity,Gas and Water 7 Metal Products, Mach. & Ele. Eqp. 8 Tras., Com. and Public Utilities 9 Wholesaler & Retailer
10 Finance, Insurance and Real Estate 11 Hotel or Restaurant 12 Other Services 13 Consumption Loans 14 Local Government 15 Others
TOTAL
Product wise credit1 Term Loan2 Overdraft3 Trust Receipt Loan / Import Loan4 Demand & Other Working Capital Loan5 Res. Per. H. Loan (Up to Rs. 10 mil.)6 Real Estate Loan7 Margin Nature Loan8 Hire Purchase Loan9 Deprived Sector Loan
10 Bills Purchased11 Other Product
Security wise credit1 Gold and Silver 2 Government Securities 3 Non Governmental Securities 4 Fixed Deposit Receipts
4.1 Own 4.2 Other Licences Institutions
5 Collateral of Properties 5.1 Fixed Assets 5.2 Current Assets
6 Against security of Bill 6.1 Domestic Bills 6.2 Foreign Bills
7 Against Guarantee 7.1 Government Guarantee 7.2 Institutional Guarantee 7.3 Personal Guarantee 7.4 Collective Guarantee 7.5 Int. Rtd. Foreign Bank's Guarantee 7.6 Other Guarantee
8 Credit Card 9 Others
Total
TOTAL LOAN & ADVANCES
Sector wise credit
Publ
ic
Mah
akal
i
Ace
Bhar
gav
Shan
grila
Resu
nga
Rara
diya
lo
Coun
try
Alp
ine
Nilg
iri
Kast
ham
anda
p
Gar
ima
City
Bish
ow
Prof
essi
ona
l
Kabe
li
26.70 9.01 76.63 2.45 3.54 1.11 5.22 30.20 35.19 43.06 3.48 52.15 21.29 38.94 25.08 4.432.62 7.15
1.00 2.4662.37 5.55 613.33 82.56 19.03 76.56 6.66 277.72 32.97 43.24 18.58 0.17
105.36 22.89 642.41 26.67 158.29 220.85 19.59 13.93 44.86 226.83 197.82 381.71 187.30 7.54 14.84173.13 1.01 0.98 83.54
16.84 69.44 14.21 3.61 10.43 29.69 55.19 0.0668.56 14.56 318.67 17.10 227.51 204.40 38.26 0.40 43.19 25.99 201.40 240.41 397.12 14.91 9.2876.45 42.10 651.10 59.61 378.45 112.14 140.53 111.58 246.00 105.83 75.62 419.42 179.15 204.66 44.11 25.4674.59 701.15 111.37 42.92 58.90 78.45 3.15 615.84 80.69 39.29
7.60 2.99 96.93 5.86 69.90 5.53 6.77 20.54 0.90 195.91 57.41 115.18 5.5316.75 153.89 5.61 111.99 6.31 15.00 12.16 152.44 58.15 128.25 890.53 3.87 4.5227.51 22.79 104.68 1.23 118.98 2.26 18.09 8.87 114.27 6.95 52.57 3.57 119.68 131.65 412.27 8.04 104.65
15.16 2.04 1.97 3.58 0.034.96 54.84 686.78 44.27 508.21 10.94 87.43 41.03 385.44 164.30 148.18 237.14 441.84 27.47 66.19 43.07 14.29
490.31 174.74 4310.44 162.80 1786.00 551.70 282.71 335.23 1004.74 451.31 309.00 2501.69 1429.44 1562.68 1556.28 165.20 183.24
21.59 660.71 56.93 220.54 25.82 21.58 171.95 47.04 287.79 278.75 343.29 321.69 7.65197.40 35.84 1553.17 53.83 257.70 146.06 245.30 372.70 91.15 86.39 1108.61 398.94 247.31 473.69
1.70 47.65 106.95 548.67 125.23 85.54 9.50 262.25 66.25 115.45 16.52 54.13 44.6592.03 22.89 328.24 26.67 140.61 13.51 9.79 57.25 60.62 20.17 187.20 179.91 296.71 161.80 7.54 10.3959.22 942.34 133.91 174.85 21.20 32.69 17.83 3.15 551.11 101.97 39.89 110.15
4.78 129.98 1.98 8.66 0.60 19.27 21.6173.91 35.63 305.99 17.10 343.63 203.70 15.90 28.16 99.82 86.51 25.99 144.34 272.64 455.54 209.29 19.17 9.9216.68 5.52 119.70 4.30 66.05 19.84 11.30 10.42 29.86 15.96 7.20 76.31 99.48 52.97 66.19 4.22 3.85
0.6023.00 27.21 163.37 3.96 72.92 2.26 10.39 2.20 128.61 6.69 52.80 11.02 81.25 105.36 213.48 80.14 106.77
490.31 174.74 4310.44 162.80 1786.00 551.70 282.71 335.23 1004.74 451.31 309.00 2501.69 1429.44 1562.68 1556.28 165.20 183.24
8.59 45.51 61.51 53.27 170.43 102.670.07
135.34 1.98 21.6110.17 1.72 67.63 1.23 38.90 2.26 2.19 8.66 22.08 6.69 7.06 28.99 14.10 22.49 27.07 2.85 0.6110.17 1.72 67.63 1.23 38.90 2.26 2.19 8.66 22.08 6.69 7.06 28.99 14.10 22.49 27.07 2.85 0.61
475.65 173.02 3988.48 161.57 1679.70 549.44 280.52 324.53 970.80 428.05 256.42 2360.76 1254.40 1437.63 1292.59 162.35 79.96475.65 173.02 3988.48 161.57 1679.70 549.44 280.52 324.53 970.80 428.05 256.42 2360.76 1254.40 1437.63 1292.59 162.35 79.96
0.600.60
118.93 56.83 2.04 11.86 14.00 92.06 99.44 27.67 66.1915.16 2.04 11.86 4.07 2.69
103.27 76.310.50 15.76 5.82
56.83 14.00 99.44 17.78 63.50
4.49 2.57 19.27490.31 174.74 4310.44 162.80 1786.00 551.70 282.71 335.23 1004.74 451.31 309.00 2501.69 1429.44 1562.68 1556.28 165.20 183.24
59
Statement of Loans and Advancesas on Poush end 2068
Rs. in million
1 Agricultural and Forest Related 2 Fishery Related 3 Mining Related 4 Manufacturing (Producing) Related 5 Construction 6 Electricity,Gas and Water 7 Metal Products, Mach. & Ele. Eqp. 8 Tras., Com. and Public Utilities 9 Wholesaler & Retailer
10 Finance, Insurance and Real Estate 11 Hotel or Restaurant 12 Other Services 13 Consumption Loans 14 Local Government 15 Others
TOTAL
Product wise credit1 Term Loan2 Overdraft3 Trust Receipt Loan / Import Loan4 Demand & Other Working Capital Loan5 Res. Per. H. Loan (Up to Rs. 10 mil.)6 Real Estate Loan7 Margin Nature Loan8 Hire Purchase Loan9 Deprived Sector Loan
10 Bills Purchased11 Other Product
Security wise credit1 Gold and Silver 2 Government Securities 3 Non Governmental Securities 4 Fixed Deposit Receipts
4.1 Own 4.2 Other Licences Institutions
5 Collateral of Properties 5.1 Fixed Assets 5.2 Current Assets
6 Against security of Bill 6.1 Domestic Bills 6.2 Foreign Bills
7 Against Guarantee 7.1 Government Guarantee 7.2 Institutional Guarantee 7.3 Personal Guarantee 7.4 Collective Guarantee 7.5 Int. Rtd. Foreign Bank's Guarantee 7.6 Other Guarantee
8 Credit Card 9 Others
Total
TOTAL LOAN & ADVANCES
Sector wise credit
Kam
ana
Corp
orat
e
Path
ibha
ra
Purn
ima
Jyot
i
Bagm
ati
Ham
ro
Kakr
e
Shin
e
Paci
fic
Civi
c
IDBL
Gul
mi
Kanc
han
Mat
ribh
umi
Brig
ht
Inno
vati
ve
37.36 92.18 6.68 17.39 46.35 10.12 6.90 12.33 28.72 32.64 12.49 4.20 4.24 7.79 16.19 13.822.26 0.73 3.88
12.1234.68 191.69 17.20 48.01 185.00 9.33 4.12 76.45 2.25 5.93 26.59 3.40 43.15 60.11
225.85 85.14 76.45 11.78 416.15 26.03 8.60 6.82 103.54 53.43 13.57 33.41 46.65 17.93 23.53 42.62141.54 4.55 0.46 2.30
12.42 9.14 50.52 1.84 1.28 14.72191.45 85.01 0.29 63.86 399.83 5.89 117.71 24.68 25.38 32.48 6.23 25.42 67.26127.29 155.00 250.22 108.15 251.44 27.67 86.49 39.98 369.77 75.57 21.71 49.48 111.56 25.94 117.11 54.38
71.21 147.54 2.90 30.08 172.25 24.52 119.01 0.62 50.65 7.00 13.75 4.7240.84 28.76 2.20 1.44 60.16 2.61 8.84 1.98 1.00 2.17 3.85 2.00 7.20 3.2881.83 16.07 13.49 27.15 111.36 3.09 74.08 21.87 0.55 15.35 1.51 7.64 7.6688.73 32.96 88.60 8.22 47.60 2.90 27.26 0.67 100.19 13.44 9.80 3.88 2.37 3.09 16.88 20.14
4.6093.80 106.66 162.20 132.98 745.01 19.27 36.61 70.89 251.16 60.16 14.32 20.73 107.23 29.85 62.75 28.85
1007.72 950.15 620.23 449.07 2643.93 95.30 196.28 140.51 1250.21 288.46 73.44 151.02 400.95 105.19 333.64 323.75
186.76 32.28 349.96 5.89 47.68 70.34 3.90 10.48 17.06 43.90 11.81 44.80297.85 272.87 222.84 62.09 536.61 29.91 165.10 0.40 70.99 27.42 190.47 62.00
137.07 70.89 2.17209.41 72.47 393.54 63.26 59.99 484.64 82.62 36.15 51.96 39.59 47.78 50.95
161.92 53.14 76.45 9.15 256.33 25.48 5.10 73.54 53.43 12.34 28.50 46.15 10.73 13.45 24.4837.62 117.58 2.90 30.08 314.61 6.82 149.01 4.90 50.65 7.00 12.00 14.51
1.45 10.18 113.30 8.53 14.70 15.60 0.50218.37 98.48 48.64 66.81 338.51 2.10 24.89 1.79 191.71 37.56 9.60 27.97 32.48 6.59 40.00 82.56
31.75 23.58 15.56 28.83 96.38 3.66 6.70 8.76 25.23 6.94 3.46 7.94 10.20 2.89 10.18 14.562.50 0.10
72.00 130.13 181.37 115.05 244.59 0.80 63.80 4.58 82.11 104.02 11.51 2.38 118.24 6.66 7.44 29.901007.72 950.15 620.23 449.07 2643.93 95.30 196.28 140.51 1250.21 288.46 73.44 151.02 400.95 105.19 333.64 323.75
45.23 35.70
113.30 0.5017.42 16.35 4.55 3.63 10.20 0.80 2.37 0.67 17.66 0.56 0.20 2.37 0.94 3.55 2.8417.42 16.35 4.55 3.63 10.20 0.80 2.37 0.67 17.66 0.56 0.20 2.37 0.94 1.80 2.84
1.75932.75 913.59 579.45 445.45 2455.60 94.50 193.91 139.84 1198.79 287.90 73.24 146.00 382.98 102.99 329.59 320.91932.75 913.59 579.45 445.45 2424.19 94.50 193.91 139.84 1198.79 287.90 73.24 146.00 382.98 102.99 329.59 320.91
31.402.502.50
5.87 0.10 62.55 25.23 5.02 1.254.608.81 13.70
5.87 0.10 48.62 0.770.52 11.53 4.25 1.25
6.45 17.62 0.53 2.28 8.53 15.601007.72 950.15 620.23 449.07 2643.93 95.30 196.28 140.51 1250.21 288.46 73.44 151.02 400.95 105.19 333.64 323.75
60
Statement of Loans and Advancesas on Poush end 2068
Rs. in million
1 Agricultural and Forest Related 2 Fishery Related 3 Mining Related 4 Manufacturing (Producing) Related 5 Construction 6 Electricity,Gas and Water 7 Metal Products, Mach. & Ele. Eqp. 8 Tras., Com. and Public Utilities 9 Wholesaler & Retailer
10 Finance, Insurance and Real Estate 11 Hotel or Restaurant 12 Other Services 13 Consumption Loans 14 Local Government 15 Others
TOTAL
Product wise credit1 Term Loan2 Overdraft3 Trust Receipt Loan / Import Loan4 Demand & Other Working Capital Loan5 Res. Per. H. Loan (Up to Rs. 10 mil.)6 Real Estate Loan7 Margin Nature Loan8 Hire Purchase Loan9 Deprived Sector Loan
10 Bills Purchased11 Other Product
Security wise credit1 Gold and Silver 2 Government Securities 3 Non Governmental Securities 4 Fixed Deposit Receipts
4.1 Own 4.2 Other Licences Institutions
5 Collateral of Properties 5.1 Fixed Assets 5.2 Current Assets
6 Against security of Bill 6.1 Domestic Bills 6.2 Foreign Bills
7 Against Guarantee 7.1 Government Guarantee 7.2 Institutional Guarantee 7.3 Personal Guarantee 7.4 Collective Guarantee 7.5 Int. Rtd. Foreign Bank's Guarantee 7.6 Other Guarantee
8 Credit Card 9 Others
Total
TOTAL LOAN & ADVANCES
Sector wise credit
Jhim
ruk
Met
ro
Vibo
r
Gau
muk
hi
Rapt
iver
i
Cons
umer
Khad
bari
Tour
ism
Mis
sion
Sury
a
Mt.
Mak
alu
Sind
hu
Saha
ra
Soci
al
NCD
BL
Cosm
os
Man
aslu
1.24 3.34 8.14 18.31 10.81 0.57 19.42 35.08 2.11 1.37 1.46 2.22 6.67 3.440.08
6.99 7.404.71 105.93 1.12 13.13 25.94 11.72 209.72 36.40 0.20 0.14 14.50 4.74 17.14 33.81 0.37 0.406.63 88.03 252.67 11.88 11.27 43.20 6.12 196.28 55.76 2.26 0.65 20.32 0.93 35.36 23.24 1.93 19.76
18.25 0.60 41.46 0.4012.56 228.19 1.31 12.45 2.34 21.91 2.14 2.99 1.00 19.97 3.78
17.81 117.12 231.45 11.19 92.69 0.85 84.18 41.47 7.72 0.89 97.38 4.66 7.24 20.9437.37 163.82 240.55 28.92 61.65 35.41 25.54 300.99 114.83 18.42 1.04 85.68 40.72 82.93 54.78 14.16 28.69
53.32 486.01 23.82 7.50 19.75 9.74 11.70 22.002.50 54.52 4.00 10.46 1.30 161.53 5.40 1.04 0.55 4.80 0.61 178.87 20.10 0.380.27 6.00 32.27 1.75 8.10 20.42 3.63 51.70 20.67 0.20 0.15 1.09 1.58 6.08 7.77 13.01 5.21
31.97 44.33 254.27 9.31 5.01 38.67 6.35 67.14 0.77 4.84 9.00 18.34 0.06 74.91 8.63 6.14 48.76
26.54 25.03 144.31 1.00 3.26 102.09 7.62 198.41 40.14 9.56 26.66 33.14 10.87 114.41 49.81 2.09 17.11129.12 513.55 2063.55 84.77 153.50 376.94 66.08 1372.47 369.81 49.35 40.45 288.41 63.11 551.68 213.25 44.94 144.69
18.90 27.54 247.28 21.13 79.77 30.42 39.96 153.24 5.87 64.06 0.28 133.93 2.93 20.61 6.8718.94 144.54 487.50 14.47 13.65 100.74 30.08 732.13 120.29 27.34 0.63 75.21 3.84 253.76 75.98 3.90 10.43
25.05 0.34 255.62 36.98 16.38 123.63 1.20 26.90 55.16 4.59 16.676.63 75.42 8.95 22.73 6.12 140.14 45.93 2.26 0.65 5.36 18.11 1.93 19.76
53.32 487.03 9.30 17.69 97.48 6.35 29.52 52.136.75 35.77 7.51 74.55
18.03 148.02 277.50 13.38 3.00 103.59 1.13 190.81 16.91 10.56 0.89 97.38 14.52 16.94 13.38 22.233.06 13.33 57.60 1.78 7.88 11.34 0.93 33.38 10.70 1.32 0.85 2.80 1.49 17.07 10.79 1.19 2.84
38.50 51.04 235.33 24.73 31.50 35.37 11.44 7.43 15.18 2.01 10.54 19.44 2.35 0.36 83.91 3.94 65.89129.12 513.55 2063.55 84.77 153.50 376.94 66.08 1372.47 369.81 49.35 40.45 288.41 63.11 551.68 213.25 44.94 144.69
28.88 4.81 5.43 4.48 34.65 16.45 47.28
6.75 0.29 22.73 7.51 74.550.72 9.63 235.33 0.09 1.01 5.43 0.78 4.12 2.52 2.01 0.31 1.89 0.36 0.99 0.190.72 9.63 235.33 0.09 1.01 5.43 0.78 4.12 2.52 2.01 0.31 1.89 0.36 0.99 0.19
99.52 503.64 1689.46 79.58 150.84 335.85 54.89 1342.60 360.98 47.34 5.34 270.07 63.11 462.77 208.33 44.94 97.2299.52 503.64 1689.46 79.58 150.84 335.85 54.89 1342.13 360.98 47.34 5.34 270.07 63.11 462.77 208.33 44.94 97.22
0.48
0.28 57.60 1.65 7.50 18.25 6.31 0.17 14.005.10
52.50 7.50 15.00 0.50 14.000.28 0.48 5.44
1.65 2.77
0.38 0.17
74.42 5.94 3.93129.12 513.55 2063.55 84.77 153.50 376.94 66.08 1372.47 369.81 49.35 40.45 288.41 63.11 551.68 213.25 44.94 144.69
61
Statement of Loans and Advancesas on Poush end 2068
Rs. in million
1 Agricultural and Forest Related 2 Fishery Related 3 Mining Related 4 Manufacturing (Producing) Related 5 Construction 6 Electricity,Gas and Water 7 Metal Products, Mach. & Ele. Eqp. 8 Tras., Com. and Public Utilities 9 Wholesaler & Retailer
10 Finance, Insurance and Real Estate 11 Hotel or Restaurant 12 Other Services 13 Consumption Loans 14 Local Government 15 Others
TOTAL
Product wise credit1 Term Loan2 Overdraft3 Trust Receipt Loan / Import Loan4 Demand & Other Working Capital Loan5 Res. Per. H. Loan (Up to Rs. 10 mil.)6 Real Estate Loan7 Margin Nature Loan8 Hire Purchase Loan9 Deprived Sector Loan
10 Bills Purchased11 Other Product
Security wise credit1 Gold and Silver 2 Government Securities 3 Non Governmental Securities 4 Fixed Deposit Receipts
4.1 Own 4.2 Other Licences Institutions
5 Collateral of Properties 5.1 Fixed Assets 5.2 Current Assets
6 Against security of Bill 6.1 Domestic Bills 6.2 Foreign Bills
7 Against Guarantee 7.1 Government Guarantee 7.2 Institutional Guarantee 7.3 Personal Guarantee 7.4 Collective Guarantee 7.5 Int. Rtd. Foreign Bank's Guarantee 7.6 Other Guarantee
8 Credit Card 9 Others
Total
TOTAL LOAN & ADVANCES
Sector wise credit
Sam
abri
ddhi
Ekat
a
Kalin
chow
k
Nep
al
Aaw
as
Nep
al
Fina
nce
NID
C Ca
pita
l
Nar
ayan
i N
atio
nal
AFC
L
NSM
FL
Peop
les
Mer
chan
til
e
Kath
man
du
Him
alay
a
Uni
on
Gor
kha
Pasc
him
anc
hal
NH
MFL
17.62 2.00 1.59 34.80 1.88 80.25 7.11 42.53 16.63 12.61 8.74 9.67 165.26 75.470.40 2.00 0.230.80 2.50 53.81 9.30 2.803.48 7.10 21.69 50.12 181.68 262.54 128.91 85.19 112.30 2.76 104.76 107.436.20 4.15 411.70 107.84 86.67 407.51 620.49 1959.63 339.08 2.78 59.92 202.42 265.14 61.25 103.34 208.18
28.56 5.90 25.55 1.50 0.389.31 2.00 16.67 158.67 3.45 64.99 0.08 2.70 10.77
5.63 14.66 3.71 57.76 98.00 837.73 6.11 2.41 22.48 10.15 87.01 30.68 137.86 118.8131.95 1.35 225.81 426.50 291.77 462.19 169.02 123.77 6.53 46.55 383.64 14.99 19.54 268.21 125.70
1.00 191.88 290.45 378.15 509.72 33.38 89.78 59.32 69.27 388.1212.00 38.49 84.70 25.68 228.82 39.94 97.00 10.81 7.50 20.36 34.32
2.19 9.32 9.35 5.58 107.10 112.44 297.93 2.30 34.16 2.72 26.91 80.213.49 12.00 0.72 39.40 78.66 189.39 92.06 129.69 119.23 38.24 35.23 102.85 103.95 121.76 34.87 74.21 156.74
33.18 13.609.59 5.10 3.64 126.63 19.24 1082.67 307.84 912.29 32.44 99.54 22.83 167.21 138.09 316.78 202.82
94.36 64.99 5.95 451.10 675.54 1124.12 2675.84 3505.66 4247.48 788.55 67.02 380.88 721.58 977.82 356.81 1300.70 1511.75
8.77 1.10 330.31 114.70 403.90 474.60 236.00 6.23 85.77 261.23 593.88 357.526.23 26.49 1.54 712.32
16.22 361.21 204.77 494.28 810.07 99.54 383.64 141.35 152.99 246.2313.33 4.15 350.80 74.69 124.05 340.78 568.01 419.18 26.32 59.92 170.92 144.66 57.36 63.23 162.11
44.30 33.15 201.59 275.43 374.93 2086.86 462.04 1.60 33.38 31.50 142.12 76.89 106.39 407.4644.77 123.90 48.68 9.22 67.22 17.75 76.23 56.60 26.35 4.24 36.39
6.80 19.25 0.72 3.81 53.72 115.94 906.28 296.84 11.01 22.48 10.15 18.70 108.88 30.68 135.06 118.812.04 0.42 0.59 16.60 18.54 16.68 60.66 81.08 95.92 16.63 1.48 13.60 22.83 24.32 9.83 41.98 30.76
40.96 14.68 3.10 39.40 138.26 69.09 1225.37 352.17 94.53 18.82 35.23 2.30 93.99 98.64 2.72 109.68 398.7194.36 64.99 5.95 451.10 675.54 1124.12 2675.84 3505.66 4247.48 788.55 67.02 380.88 721.58 977.82 356.81 1300.70 1511.75
7.41 6.56
9.22 67.22 17.75 76.23 56.60 26.350.21 39.40 28.83 65.49 77.99 61.14 52.01 11.89 35.23 26.62 81.02 30.16 8.52 22.48 122.050.21 39.40 28.83 65.49 77.99 61.14 52.01 11.89 35.23 26.62 81.02 30.16 8.52 22.48 122.05
94.15 53.68 2.31 411.70 584.33 934.73 2524.15 3396.23 4032.57 758.90 30.44 278.04 617.72 848.05 321.94 1271.64 1304.0694.15 52.69 0.72 411.70 584.33 934.73 2524.15 3396.23 4032.57 758.90 30.44 278.04 617.72 848.05 321.94 1271.64 1304.06
0.99 1.59
0.42 38.15 95.68 0.08 43.01 0.0213.15 33.18 3.25
0.42 25.00 20.660.08 19.10
0.02
62.50
3.48 3.64 62.38 123.90 73.71 0.92 0.02 1.28 22.83 85.6494.36 64.99 5.95 451.10 675.54 1124.12 2675.84 3505.66 4247.48 788.55 67.02 380.88 721.58 977.82 356.81 1300.70 1511.75
62
Statement of Loans and Advancesas on Poush end 2068
Rs. in million
1 Agricultural and Forest Related 2 Fishery Related 3 Mining Related 4 Manufacturing (Producing) Related 5 Construction 6 Electricity,Gas and Water 7 Metal Products, Mach. & Ele. Eqp. 8 Tras., Com. and Public Utilities 9 Wholesaler & Retailer
10 Finance, Insurance and Real Estate 11 Hotel or Restaurant 12 Other Services 13 Consumption Loans 14 Local Government 15 Others
TOTAL
Product wise credit1 Term Loan2 Overdraft3 Trust Receipt Loan / Import Loan4 Demand & Other Working Capital Loan5 Res. Per. H. Loan (Up to Rs. 10 mil.)6 Real Estate Loan7 Margin Nature Loan8 Hire Purchase Loan9 Deprived Sector Loan
10 Bills Purchased11 Other Product
Security wise credit1 Gold and Silver 2 Government Securities 3 Non Governmental Securities 4 Fixed Deposit Receipts
4.1 Own 4.2 Other Licences Institutions
5 Collateral of Properties 5.1 Fixed Assets 5.2 Current Assets
6 Against security of Bill 6.1 Domestic Bills 6.2 Foreign Bills
7 Against Guarantee 7.1 Government Guarantee 7.2 Institutional Guarantee 7.3 Personal Guarantee 7.4 Collective Guarantee 7.5 Int. Rtd. Foreign Bank's Guarantee 7.6 Other Guarantee
8 Credit Card 9 Others
Total
TOTAL LOAN & ADVANCES
Sector wise credit
Uni
vers
al
Sam
jhan
a
Goo
dwill
Sidd
hart
ha
FC Sri
Inve
stm
ent
Lum
bini
Inve
sta
Yeti
Stan
dard
ILFC
O
Mah
alax
mi
Lalit
pur
Bhaj
urat
na
Uni
ted
Gen
eral
Prog
ress
ive
Alp
ic
Ever
est
36.62 74.10 54.29 5.28 1.91 6.12 7.54 2.25 11.23 2.28 2.84 0.76 5.73 47.052.00 0.40 0.67
42.00 1.33 6.40 6.40 3.95 0.00144.36 119.90 197.75 159.79 147.06 686.74 291.02 138.15 4.77 22.05 28.42 25.72 124.82211.81 369.81 112.01 193.80 275.68 3.66 59.73 130.21 76.42 554.59 91.35 36.24 810.98 177.11 12.67 118.14
1.45 108.50 2.480.02 47.64 1.32 10.35 4.40 4.47 166.76 9.36 304.49 0.50 7.28
16.63 103.53 96.76 43.59 173.94 34.43 53.81 582.19 954.03 188.73 29.42 15.74 52.25 38.51145.54 548.76 386.58 234.72 267.50 197.08 286.67 169.65 306.34 524.93 32.13 15.25 360.54 5.21 48.40137.24 88.47 116.26 71.54 237.72 338.32 34.30 749.99 89.39 69.47 126.71131.87 56.51 182.74 33.30 265.55 11.90 71.29 0.58 9.56
70.61 33.60 16.73 193.41 159.71 39.81 105.77 614.31 33.51 202.35 0.61 30.59 6.48 44.9436.30 75.79 44.10 72.65 50.71 0.88 142.12 47.48 58.64 68.21 167.95 9.70 923.86 20.12 32.28 20.10
4.0245.27 38.85 133.83 0.15 145.66 0.37 169.69 320.99 123.32 432.96 132.63 18.58 71.35 331.67 30.90 131.59
1019.71 1292.08 909.90 1136.66 1548.95 41.25 924.67 2785.81 2813.01 1855.47 1873.15 133.13 2256.55 949.21 241.79 724.27
536.59 429.64 264.55 58.92 457.44 833.20 268.82 524.93 39.18 0.97 18.98
498.65 360.29 827.32 560.76 772.36 270.05 485.47 3.95 57.26 39.05 294.77306.08 78.86 149.17 69.61 29.02 89.11 48.10 242.82 91.35 582.93 14.31 65.58
345.79 319.97 33.15 131.87 311.85 71.54 340.79 590.12 381.48 749.99 36.24 76.04 177.11 27.25 169.1112.04 38.85 11.48 49.09 4.24 13.11 134.16 29.53 76.48 33.86 8.16 88.75 13.28 25.29 5.5218.49 120.81 96.76 37.51 122.36 118.08 180.91 937.67 194.95 37.27 29.42 974.95 22.57 52.25 49.1825.47 43.13 21.76 27.38 25.00 22.98 66.68 46.25 46.85 39.91 4.67 57.83 10.44 7.32 37.35
4.4081.33 33.60 169.25 116.80 188.56 50.24 739.96 58.09 158.59 391.88 15.45 417.82 725.81 57.33 102.75
1019.71 1292.08 909.90 1136.66 1548.95 924.67 2785.81 2813.01 1855.47 1873.15 133.13 2256.55 949.21 241.79 724.27
49.09 140.92 29.53 33.86 12.89 0.39 13.28 25.2920.76 75.79 44.10 23.56 47.16 47.51 418.87 58.24 68.21 96.82 9.70 120.90 20.12 7.00 8.9320.76 75.79 44.10 23.56 47.16 47.51 410.47 58.20 68.21 96.82 9.70 120.90 20.12 7.00 8.93
8.40 0.04966.25 1129.81 865.80 1063.81 1456.61 40.89 864.04 2173.70 2664.32 1680.16 1407.50 110.53 1987.41 915.81 163.47 702.45966.25 1129.81 865.80 1063.81 1456.61 38.98 864.04 2173.70 2664.32 1653.28 878.61 110.53 1987.41 915.81 163.47 702.45
1.91 26.88 528.88
22.70 47.64 0.20 25.00 50.61 29.80 0.28 55.07 19.95 7.379.97 15.25 4.02
25.00 50.61 14.00 0.02 53.80 3.970.83 0.20 0.55 0.26 1.27 15.98 3.35
11.89 47.64
10.00 38.85 20.18 0.37 13.11 1.72 31.12 106.82 334.98 92.79 26.09 5.521019.71 1292.08 909.90 1136.66 1548.95 41.25 924.67 2785.81 2813.01 1855.47 1873.15 133.13 2256.55 949.21 241.79 724.27
63
Statement of Loans and Advancesas on Poush end 2068
Rs. in million
1 Agricultural and Forest Related 2 Fishery Related 3 Mining Related 4 Manufacturing (Producing) Related 5 Construction 6 Electricity,Gas and Water 7 Metal Products, Mach. & Ele. Eqp. 8 Tras., Com. and Public Utilities 9 Wholesaler & Retailer
10 Finance, Insurance and Real Estate 11 Hotel or Restaurant 12 Other Services 13 Consumption Loans 14 Local Government 15 Others
TOTAL
Product wise credit1 Term Loan2 Overdraft3 Trust Receipt Loan / Import Loan4 Demand & Other Working Capital Loan5 Res. Per. H. Loan (Up to Rs. 10 mil.)6 Real Estate Loan7 Margin Nature Loan8 Hire Purchase Loan9 Deprived Sector Loan
10 Bills Purchased11 Other Product
Security wise credit1 Gold and Silver 2 Government Securities 3 Non Governmental Securities 4 Fixed Deposit Receipts
4.1 Own 4.2 Other Licences Institutions
5 Collateral of Properties 5.1 Fixed Assets 5.2 Current Assets
6 Against security of Bill 6.1 Domestic Bills 6.2 Foreign Bills
7 Against Guarantee 7.1 Government Guarantee 7.2 Institutional Guarantee 7.3 Personal Guarantee 7.4 Collective Guarantee 7.5 Int. Rtd. Foreign Bank's Guarantee 7.6 Other Guarantee
8 Credit Card 9 Others
Total
TOTAL LOAN & ADVANCES
Sector wise credit
Nav
adur
ga
Jana
ki
Pokh
ara
Cent
ral
Prem
ier
Aru
n
Mul
tipu
rpo
se
Butw
al
Srija
na
Om
CMB
WM
BFL
CMBF
CL
Crys
tal
Roya
l
Guh
eshw
ori
Pata
n
40.97 5.66 32.52 19.40 21.12 19.92 0.51 12.81 0.29 390.31 8.58 0.49 7.490.80 0.15
0.35 12.12 31.13 0.30 29.48228.36 66.55 125.45 129.45 159.08 4.15 92.04 70.48 12.31 59.67 981.68 262.95 18.50 26.49
18.52 149.43 83.37 121.66 144.76 48.79 21.29 56.29 20.04 247.57 73.26 58.10 22.95 474.08 156.49 224.45 84.612.00 16.14 2.20 0.955.34 4.35 50.73 12.32 33.72 0.65 12.06 16.21 3.69 0.507.07 69.39 70.25 134.68 204.50 198.08 62.37 43.57 24.76 54.02 33.56
252.23 227.67 424.36 723.47 94.89 50.00 22.45 158.81 68.56 551.61 3.84 83.39 197.61 132.37 0.82 12.03124.47 36.06 205.84 248.85 162.30 230.85 222.27 7.50 271.83 13.43 411.05 92.67 27.95
62.85 19.94 68.64 4.40 20.75 22.60 12.99 59.98 7.73 100.60 17.70 1.73 0.4124.05 67.05 66.82 37.62 0.72 0.13 13.85 188.42 12.24 10.16 23.00 36.92 6.78 2.64 15.45 12.8034.71 51.08 10.75 97.06 28.07 10.43 19.86 68.70 10.57 224.67 37.09 51.23 277.66 33.16 49.34 109.36 83.89
1.52 2.18 127.90 1.3717.35 36.13 274.49 31.37 47.79 2.84 73.68 56.07 547.56 196.91 264.95 991.23 456.60 587.10 208.50 103.71
819.80 656.10 1334.76 1468.47 984.65 211.45 105.56 1175.40 167.98 2145.19 416.92 877.82 3020.31 963.84 1727.92 709.21 359.87
1.50 294.22 210.06 10.62 57.11 55.22 497.95 68.56 832.30 17.59 189.82 1468.83 690.27 68.71 156.16
650.27 618.45 941.25 417.62 86.51 109.15 87.25 133.19 306.07 40.26 510.54 69.5712.99 149.43 124.46 183.39 36.29 21.29 112.84 48.14 74.88 0.67 13.06 92.00 166.83 46.66
111.24 36.06 288.94 248.85 214.92 12.50 230.85 20.04 310.49 17.50 271.83 770.45 207.27 421.46 138.84 30.7518.01 41.67 18.70 9.70 31.67 4.05 17.25 12.43 14.65 37.00 36.61 60.75
5.50 8.46 69.39 70.25 45.39 7.46 8.21 124.16 5.45 191.93 25.79 56.42 46.09 8.92 46.66 19.66 6.5420.28 15.64 31.02 31.37 24.66 4.36 2.84 34.88 4.79 53.14 12.82 11.59 12.00 17.12 40.88 18.27 5.15
3.80152.29 116.90 22.86 54.64 18.00 33.91 69.14 705.15 163.84 201.87 389.18 510.67 172.83 136.65
819.80 656.10 1334.76 1468.47 984.65 211.45 105.56 1175.40 167.98 2145.19 416.92 877.82 3020.31 963.84 1727.92 709.21 359.87
138.29 3.953.11
18.01 41.67 18.70 4.05 12.24 14.65 37.00 62.7516.70 39.62 10.75 55.39 5.16 2.95 11.65 68.70 5.12 65.05 22.42 26.51 237.06 21.14 12.34 53.09 17.5816.70 39.62 10.75 55.39 5.16 2.95 11.65 68.70 5.12 65.05 22.42 26.51 237.06 21.14 12.34 53.09 17.58
773.70 611.29 1324.01 1371.41 943.95 160.72 93.91 1106.71 25.49 1937.79 364.33 798.47 2755.65 934.53 1625.89 612.30 265.47773.70 611.29 1324.01 1371.41 943.95 160.72 93.91 1106.71 25.49 1937.79 364.33 798.47 2755.65 934.53 1625.89 612.30 265.44
0.03
16.83 0.11 21.93 12.00 42.46 5.972.00
14.00 0.11 8.86 12.00 38.64 2.510.83 13.07 3.82 3.46
11.38 5.19 47.79 137.37 30.07 18.67 0.95 5.07 10.22 43.82 4.15819.79 656.10 1334.76 1468.47 984.65 211.45 105.56 1175.40 167.98 2145.19 416.92 877.82 3020.31 963.84 1727.92 709.21 359.87
64
Statement of Loans and Advancesas on Poush end 2068
Rs. in million
1 Agricultural and Forest Related 2 Fishery Related 3 Mining Related 4 Manufacturing (Producing) Related 5 Construction 6 Electricity,Gas and Water 7 Metal Products, Mach. & Ele. Eqp. 8 Tras., Com. and Public Utilities 9 Wholesaler & Retailer
10 Finance, Insurance and Real Estate 11 Hotel or Restaurant 12 Other Services 13 Consumption Loans 14 Local Government 15 Others
TOTAL
Product wise credit1 Term Loan2 Overdraft3 Trust Receipt Loan / Import Loan4 Demand & Other Working Capital Loan5 Res. Per. H. Loan (Up to Rs. 10 mil.)6 Real Estate Loan7 Margin Nature Loan8 Hire Purchase Loan9 Deprived Sector Loan
10 Bills Purchased11 Other Product
Security wise credit1 Gold and Silver 2 Government Securities 3 Non Governmental Securities 4 Fixed Deposit Receipts
4.1 Own 4.2 Other Licences Institutions
5 Collateral of Properties 5.1 Fixed Assets 5.2 Current Assets
6 Against security of Bill 6.1 Domestic Bills 6.2 Foreign Bills
7 Against Guarantee 7.1 Government Guarantee 7.2 Institutional Guarantee 7.3 Personal Guarantee 7.4 Collective Guarantee 7.5 Int. Rtd. Foreign Bank's Guarantee 7.6 Other Guarantee
8 Credit Card 9 Others
Total
TOTAL LOAN & ADVANCES
Sector wise credit
Few
a
Ever
est
Prud
enti
al
ICFC
IME
Saga
rmat
ha
Shik
har
Civi
l
Prab
hu
Impe
rial
Kube
r
NEF
L
Valle
y
Seti
ham
a
relia
ble
Lord
Bu
ddha
17.98 5.83 12.87 5.89 48.73 67.66 27.10 104.97 1.10 3.48 0.72 5.67 0.842.20 1.57
2.00 6.50 4.9899.84 7.61 40.94 257.28 261.30 41.99 58.98 208.56 67.05 24.50 32.17 16.32 31.08
358.95 58.40 31.60 153.17 398.98 63.71 21.79 11.94 282.39 53.99 75.40 38.03 52.17 4.43 4.59 221.10 56.766.77 1.50 13.80 42.10
23.32 0.05 72.97 33.30 20.68 7.99 7.21 9.50 5.38 6.82484.90 129.07 40.15 20.91 56.78 188.10 7.18 234.82 187.14 50.36 13.34 77.10 47.96 76.77 60.75362.81 0.82 128.96 409.54 561.26 105.64 107.96 1.00 325.94 119.12 112.54 41.40 246.56 72.42 9.89 298.64 61.58
13.31 0.54 177.88 627.21 562.85 91.83 185.67 110.08 955.97 92.14 360.40 38.35 54.42 125.29 38.36 20.4098.99 37.71 155.49 232.16 6.86 1.30 350.44 3.35 6.69 2.10 23.0765.97 0.02 76.61 63.11 214.24 50.29 12.30 2.31 187.46 10.50 83.19 10.90 0.90 8.67 75.93 28.55 0.2552.21 15.45 85.88 115.51 190.16 78.51 22.96 12.58 323.52 26.63 78.48 16.41 111.95 5.71 4.72 96.44 11.78
1.30315.18 45.85 394.75 578.54 1245.14 348.34 195.42 83.55 988.97 190.98 307.85 188.98 345.74 27.79 168.53 496.89 134.59
1895.67 265.22 1100.32 2421.95 3799.05 1052.41 640.66 456.27 3936.37 626.79 1065.14 460.19 812.47 141.01 445.83 1256.76 443.20
102.46 42.21 746.17 0.87 151.69 23.26 0.04 38.77 19.05 212.37 316.03 1.69 25.96 2.00 16.28
605.84 1483.57 1263.45 247.85 225.04 294.16 1622.26 355.75 264.97 46.20 234.90 109.76 216.36 234.21 163.63115.48 6.03 105.44 205.96 63.51 8.02 16.44 76.93 37.99 66.99 36.99 42.48 4.43 79.60 30.71193.54 58.40 163.96 500.34 694.28 86.58 199.44 110.11 743.24 93.95 211.03 56.07 64.12 117.28 144.93 30.95
64.21 130.97 101.67 82.65 6.79 10.77 75.66 46.41 21.77 4.10 22.97 11.08 71.46 26.08474.76 129.07 52.01 72.52 65.72 190.69 16.75 12.92 389.19 54.32 38.54 83.15 27.43 4.03 56.96 93.08 60.75
48.07 35.53 31.19 55.73 94.19 28.94 12.83 9.53 101.57 14.19 5.33 11.93 19.12 3.59 12.60 45.80 9.761.50 19.98 2.60
355.53 35.25 72.52 1222.11 328.93 171.78 2.31 868.77 24.18 434.85 9.37 85.42 17.51 5.58 585.68 105.031895.67 265.22 1100.32 2421.95 3799.05 1052.41 640.66 456.27 3936.37 626.79 1065.14 460.19 812.47 141.01 445.83 1256.76 443.20
4.98 77.431.15 4.85
64.21 84.15 6.70 19.12 4.10 26.0836.30 21.93 12.72 59.39 37.82 23.73 6.60 8.28 30.14 24.07 31.67 6.26 7.08 3.14 4.72 8.67 13.7036.30 21.93 12.72 59.39 37.82 23.73 6.60 8.28 30.14 24.07 31.67 6.26 7.08 3.14 4.72 8.67 13.70
1859.37 243.02 991.96 2164.13 3726.23 930.15 616.43 407.92 3503.33 542.12 1001.67 440.03 727.96 137.87 401.82 675.31 393.661859.37 243.02 991.96 2164.13 3726.23 930.15 616.43 407.92 3503.33 542.12 1001.57 440.03 727.96 137.87 401.82 675.31 393.66
0.100.090.09
0.24 32.43 35.00 9.20 2.19 26.62 199.26 4.45 28.21 9.760.26
5.00 35.00 7.20 30.72 0.81 12.60 9.500.24 27.06 2.00 2.19 19.74 162.10 3.64 15.61
0.37 6.45
6.89
0.27 31.19 164.86 0.34 8.65 13.45 198.66 60.60 8.23 9.80 11.08 572.771895.67 265.22 1100.32 2421.95 3799.05 1052.41 640.66 456.27 3936.37 626.79 1065.14 460.19 812.47 141.01 445.83 1256.76 443.20
65
Statement of Loans and Advancesas on Poush end 2068
Rs. in million
1 Agricultural and Forest Related 2 Fishery Related 3 Mining Related 4 Manufacturing (Producing) Related 5 Construction 6 Electricity,Gas and Water 7 Metal Products, Mach. & Ele. Eqp. 8 Tras., Com. and Public Utilities 9 Wholesaler & Retailer
10 Finance, Insurance and Real Estate 11 Hotel or Restaurant 12 Other Services 13 Consumption Loans 14 Local Government 15 Others
TOTAL
Product wise credit1 Term Loan2 Overdraft3 Trust Receipt Loan / Import Loan4 Demand & Other Working Capital Loan5 Res. Per. H. Loan (Up to Rs. 10 mil.)6 Real Estate Loan7 Margin Nature Loan8 Hire Purchase Loan9 Deprived Sector Loan
10 Bills Purchased11 Other Product
Security wise credit1 Gold and Silver 2 Government Securities 3 Non Governmental Securities 4 Fixed Deposit Receipts
4.1 Own 4.2 Other Licences Institutions
5 Collateral of Properties 5.1 Fixed Assets 5.2 Current Assets
6 Against security of Bill 6.1 Domestic Bills 6.2 Foreign Bills
7 Against Guarantee 7.1 Government Guarantee 7.2 Institutional Guarantee 7.3 Personal Guarantee 7.4 Collective Guarantee 7.5 Int. Rtd. Foreign Bank's Guarantee 7.6 Other Guarantee
8 Credit Card 9 Others
Total
TOTAL LOAN & ADVANCES
Sector wise credit
Swas
tik
Api
Nam
aste
Kask
i
Sury
adar
shan
Zeni
th
Uni
que
Man
jush
ree
Subh
alax
mi
Jebi
ls
Relia
nce
Lotu
s
Baib
hav
Bhak
tapu
r
0.34 1.99 24.00 14.88 7.50 12.15 2.99 7.44 2.00 0.14 3.100.72
4.00 0.5012.51 0.70 51.90 10.70 77.85 23.96 34.54 22.39 3.10 29.11 13.09 0.15 14.18
122.86 62.62 12.60 192.80 84.60 53.37 36.52 79.44 36.75 26.10 135.25 11.40 1.20 17.96
2.00 1.70 9.67 31.87 17.21134.23 3.14 241.14 28.18 19.18 93.40 50.11 56.26 17.68 178.11 2.99
43.84 169.62 8.38 204.02 23.79 65.85 49.18 81.57 52.29 70.86 64.01 68.88 18.50 37.891.03 43.64 49.99 117.01 9.70 72.14 8.85 9.69 23.03 5.30 6.400.73 3.30 4.00 32.61 14.80 10.92 6.49 4.92 2.50 0.80
60.17 7.68 1.18 2.44 82.41 22.23 0.81 31.16 34.49 1.97 2.95 20.20 10.95 1.1034.24 25.53 2.13 10.66 51.02 86.68 14.58 7.36 67.35 49.51 24.28 103.10 5.00 4.25
1.409.22 106.90 33.11 231.87 86.54 238.46 193.38 227.87 191.95 95.39 110.22 46.10 39.33 12.58
270.33 519.42 67.72 1005.77 426.93 739.71 429.04 642.99 484.24 288.23 589.08 273.07 84.17 91.86
13.56 9.51 115.99 47.80 14.82 1.49 23.36 7.00
57.03 271.49 246.41 88.32 185.51 124.28 357.66 187.07 85.00 83.47 24.60 59.8728.08 51.90 12.54 169.82 58.19 28.59 44.16 17.05 25.91 134.08 11.7817.64 10.72 1.03 66.62 64.77 121.54 94.57 102.43 62.91 5.69 11.38 11.40 6.4028.50 33.24 66.16 9.45 53.01 46.18 31.01 8.18 11.94 2.8056.40 141.40 3.30 241.14 50.05 28.09 65.80 45.61 60.14 27.83 197.15 90.10 1.88 8.70
6.40 14.17 2.08 24.00 10.61 15.61 9.99 16.60 11.96 6.84 22.33 8.15 0.29
76.27 29.74 35.22 248.27 5.75 275.00 96.36 8.71 98.94 104.47 215.96 44.66 48.19 4.51270.33 519.42 67.72 1005.77 426.93 739.71 429.04 642.99 484.24 288.23 589.08 273.07 84.17 91.86
1.09
24.70 33.24 66.165.74 17.27 0.99 10.66 5.75 12.86 14.96 8.09 31.65 5.76 0.41 1.70 0.32 0.415.74 17.27 0.99 10.66 5.75 12.86 14.96 8.09 31.65 5.76 0.41 1.70 0.32 0.41
234.07 501.06 66.63 985.68 376.57 651.29 387.92 551.24 406.41 237.22 552.70 249.38 80.76 91.35234.07 501.06 66.63 985.68 376.57 651.29 387.92 544.04 406.41 237.22 552.70 249.38 80.76 91.35
7.20
1.00 9.43 6.36 9.40 14.14 21.95 18.44 0.101.60 1.74 1.40
4.63 8.00 4.00 18.06 5.301.00 9.30 3.89 1.50 0.10
7.83 0.84
11.64
4.82 0.10 5.00 26.15 83.66 46.18 31.11 14.03 3.55 3.09270.33 519.42 67.72 1005.77 426.93 739.71 429.04 642.99 484.24 288.23 589.08 273.07 84.17 91.86
66
Mid-Dec Mid-Jan2009 2010 2011 2011 2012 ColumnColum Column Column
1 2 3 4 5 2/1 3/2 4/3 5/41 CAPITAL FUND 1,939.8 2,174.7 2,408.8 3,359.4 2,231.0 12.1 10.8 39.5 (33.6) a. Paid-up Capital 1,098.9 1,272.7 1,546.3 1,266.9 1,121.4 15.8 21.5 (18.1) (11.5) b. Statutory Reserves 148.2 162.9 245.6 241.1 204.2 10.0 50.7 (1.8) (15.3)
c. Retained Earning 85.9 125.2 (25.6) 323.7 300.0 45.8 (120.4) (1365.9) (7.3)d. Others Reserves 606.9 613.8 642.5 1,527.7 605.3 1.1 4.7 137.8 (60.4)
2 BORROWINGS 8,972.9 10,753.8 13,037.6 10,860.8 10,635.7 19.8 21.2 (16.7) (2.1) a. NRB 164.0 210.4 200.9 68.7 64.3 28.3 (4.5) (65.8) (6.4)
b. "A"Class Licensed Institution 5,372.8 7,700.0 6,806.6 6,332.1 6,126.5 43.3 (11.6) (7.0) (3.2)c. Foreign Banks and Fin. Ins. 1,523.7 1,713.9 1,680.0 1,680.0 1,680.0 12.5 (2.0) (0.0) 0.0d. Other Financial Ins. 1,912.5 1,129.5 4,350.2 2,780.0 2,765.0 (40.9) 285.1 (36.1) (0.5)e. Bonds and Securities
3 DEPOSITS 2,000.6 2,574.3 3,537.4 3,422.2 2,676.9 28.7 37.4 (3.3) (21.8)a. Current 2.7 0.9 54.7 67.5 (67.2) 6043.8 23.5b. Savings 1,219.1 1,517.0 3,535.9 3,240.1 2,487.6 24.4 133.1 (8.4) (23.2)c. Fixed 5.7 9.1 3.6 5.2 61.3 (100.0) 46.3d. Call Deposits 0.3 (100.0)e. Others 775.6 1,045.5 0.6 123.8 116.5 34.8 (99.9) 22156.7 (5.9)
4 Bills Payable 79.8 (100.0)5 Other Liabilities 2,135.5 1,415.5 1,818.6 1,564.2 1,196.5 (33.7) 28.5 (14.0) (23.5)
1. Loan Loss Provision 362.4 388.8 436.3 306.6 273.9 7.3 12.2 (29.7) (10.6)2. Interest Suspense a/c 159.5 275.4 354.0 164.6 124.6 72.7 28.5 (53.5) (24.3)3. Others 1,613.6 751.3 1,028.4 1,093.0 797.9 (53.4) 36.9 6.3 (27.0)
6 Reconcillation A/c 117.0 1,726.4 223.2 2,052.5 2,034.4 1375.4 (87.1) 819.6 (0.9)7 Profit & Loss A/c 193.1 277.4 470.7 245.6 261.1 43.6 69.7 (47.8) 6.3
15,438.8 18,922.1 21,496.4 21,504.7 19,035.5 22.6 13.6 0.0 (11.5)
1 LIQUID FUNDS 2,855.1 2,172.8 3,272.2 2,989.8 3,449.1 (23.9) 50.6 (8.6) 15.4a. Cash Balance 50.7 24.9 31.8 18.8 12.3 (50.8) 27.5 (40.7) (34.9) Nepalese Notes & Coins 50.7 24.9 31.8 18.8 12.3 (50.8) 27.5 (40.7) (34.9) Foreign Currencyb. Bank Balance 2,539.1 1,691.9 2,632.4 2,178.3 2,635.1 (33.4) 55.6 (17.2) 21.0 1. In Nepal Rastra Bank 80.9 93.5 71.1 68.0 362.1 15.6 (24.0) (4.3) 432.4 2. "A"Class Licensed Institution 2,002.3 1,081.8 1,885.0 1,552.3 1,768.2 (46.0) 74.3 (17.7) 13.9 3. Other Financial Ins. 456.0 516.6 676.3 558.0 504.8 13.3 30.9 (17.5) (9.5) 4. In Foreign banksc. Money at Call 265.2 456.0 608.1 792.6 801.7 71.9 33.4 30.3 1.1
2 INVESTMENTS 66.2 111.2 164.7 51.2 51.2 68.0 48.1 (68.9)a. Govt.Securities 51.2 111.2 51.2 51.2 51.2 117.1 (53.9)b Others 15.0 113.5 (100.0) (100.0)
3 SHARE & OTHER INVESTMEN 2,002.0 2,424.6 1,560.5 1,554.9 1,424.8 21.1 (35.6) (0.4) (8.4)4 LOANS & ADVANCES 8,222.8 11,117.0 14,649.9 12,952.7 11,033.7 35.2 31.8 (11.6) (14.8)
a. Private Sector 1,500.1 8,464.0 5,284.3 3,371.1 (100.0) (37.6) (36.2)b. Financial Institutions 257.1 6,185.9 7,668.4 7,662.6 (100.0) 24.0 (0.1)c. Government Organizations 6,465.5 11,117.0 71.9 (100.0)
5 BILL PURCHED6 LOANS AGT. COLLECTED BILLS
7 FIXED ASSETS 183.0 225.5 259.3 241.1 243.7 23.2 15.0 (7.0) 1.18 OTHER ASSETS 1,723.4 907.8 1,253.2 927.6 643.6 (47.3) 38.0 (26.0) (30.6)
a. Accrued Interests 189.5 313.7 359.1 209.9 144.0 65.5 14.5 (41.5) (31.4) b. Others 1,533.8 594.1 894.1 717.7 499.6 (61.3) 50.5 (19.7) (30.4)
9 Expenses not Written off 5.7 1.5 1.1 1.1 1.0 (73.4) (28.8) 0.1 (10.9)10 Non Banking Assets 143.6 143.611 Reconcillation Account 101.2 1,712.1 253.0 2,633.1 2,029.2 1591.0 (85.2) 940.7 (22.9)12 Profit & Loss A/c 279.4 249.7 82.5 9.6 15.8 (10.6) (67.0) (88.3) 64.0
15,438.8 18,922.2 21,496.4 21,504.6 19,035.5 22.6 13.6 0.0 (11.5)
TotalAssets
USES OF FUNDS
Major Financial Indicators of Micro-credit Development Banks Rs in million
Liabilities Mid July Percentage changes
67
Statement of Assets and Liabilities of Micro‐credit Development Banksas on Poush end, 2068
Rs. in million
Liabilities
PUG
BB
SPG
BB
PAG
BB
MPG
BB
MG
BB
NIR
DH
AN
RMD
C
DIP
ROSC
CHH
IMEK
Swab
alam
ban
Sana
kisa
n
NER
UD
E
Nay
a N
epal
Sum
mit
Swor
ojga
r
1 CAPITAL FUND 59.91 285.06 883.14 158.52 207.47 398.32 74.86 13.03 20.85 11.53 a. Paid‐up Capital 58.50 192.46 320.00 106.14 126.02 128.79 40.00 14.00 17.50 10.99
b. Calls in Advance c. General Reserves 1.41 32.56 75.13 25.77 39.70 14.84 12.48 ‐0.97 0.80 0.22
d. Share Premium 0.51 3.04 1.38e. Retained Earning 6.06 178.99 21.23 39.81 39.77 2.91 2.42 0.31f. Others Reserves Fund 53.48 309.02 2.34 0.56 214.93 19.47 0.14g. Exchange Fluctuation Fund 0.00
2 BORROWINGS 186.26 1847.62 2415.96 1067.83 1281.32 2387.80 430.03 84.65 64.77 98.16 a. NRB 16.45 3.62 12.18 13.70 18.34
b. "A"Class Licensed Institution 169.81 1844.00 524.88 863.48 914.94 1159.13 242.47 11.50 23.15 23.67c. Foreign Banks and Fin. Ins. 1679.95d. Other Financial Ins. 211.13 192.17 352.69 1210.33 187.56 73.15 41.62 74.49e. Bonds and Securities
3 DEPOSITS 52.15 775.90 281.68 1216.31 252.53 18.84 32.63 28.75a. Current 67.55 Domestic 67.55 Foreignb. Savings 51.36 773.67 126.37 1214.08 252.53 18.84 32.63 Domestic 51.36 773.67 126.37 1214.08 252.53 18.84 32.63 Foreignc. Fixed 0.79 2.23 2.22 Domestic 0.79 2.23 2.22 Foreignd. Call Depositse. Others 87.77 28.75
4 Bills Payable5 Other Liabilities 185.64 225.73 169.60 88.07 150.56 270.44 61.42 3.32 5.32 6.13
1. Sundry Creditors 1.51 14.80 5.48 64.61 13.18 48.65 0.68 0.34 0.12 0.14 2. Loan Loss Provision 24.46 52.91 81.66 16.44 20.54 58.71 9.73 2.02 0.34 1.30 3. Interest Suspense a/c 101.57 16.07 0.00 4.50 1.02 1.44 0.04 4. Others 58.10 141.95 82.46 2.52 116.84 162.06 49.57 0.96 4.86 4.65
6 Reconcillation A/c 119.10 0.00 1478.81 351.60 81.537 Profit & Loss A/c 33.53 80.78 39.81 53.15 27.09 16.15 1.90 2.76 ‐0.58
603.05 3167.84 3549.48 1635.90 4387.62 3083.65 1186.60 121.74 207.86 143.99
Assets1 LIQUID FUNDS 5.76 544.45 348.49 438.63 755.38 637.45 112.14 46.02 8.62 35.65
a. Cash Balance 2.39 2.77 0.01 1.32 1.23 0.60 1.55 0.02 1.04 0.13 Nepalese Notes & Coins 2.39 2.77 0.01 1.32 1.23 0.60 1.55 0.02 1.04 0.13 Foreign Currencyb. Bank Balance 3.36 35.66 348.48 185.98 754.16 636.85 110.59 2.25 6.97 35.51 1. In Nepal Rastra Bank 0.57 15.47 26.22 12.00 4.30 0.80 Domestic Currency 0.57 15.47 16.27 12.00 4.30 0.80 Foreign Currency 9.95 2. "A"Class Licensed Institution 20.20 253.26 163.85 631.36 606.24 53.76 0.83 3.31 3.58 Domestic Currency 20.20 253.25 163.85 631.36 606.24 53.76 0.83 3.31 3.58 Foreign Currency 0.00 3. Other Financial Ins. 2.80 69.00 22.13 122.80 18.61 52.52 0.63 3.65 31.93 4. In Foreign Banksc. Money at Call 506.02 251.33 43.75 0.61 Domestic Currency 506.02 251.33 43.75 0.61 Foreign Currency
2 INVESTMENT IN SECURITIES 38.73 12.50a. Govt.Securities 38.73 12.50b. NRB Bond c. Govt.Non‐Fin. Ins. d. Other Non‐Fin Ins.e Non Residents
3 SHARE & OTHER INVESTMENT 20.80 78.90 1085.63 5.00 13.84 136.54 70.00 14.00 a. Non Residents b. Others 20.80 78.90 1085.63 5.00 13.84 136.54 70.00 14.00
4 LOANS & ADVANCES 156.10 2242.79 2041.55 1117.17 1910.02 2264.34 627.10 59.58 114.34 103.01 a. Private Sector 156.10 2242.79 627.10 59.58 114.34 103.01 b. Financial Institutions 2041.55 1117.17 1910.02 2264.34 c. Government Organizations
5 BILL PURCHASED a. Domestic Bills Purchased b. Foreign Bills Purchased c. Import Bills & Imports
6 LOANS AGAINST COLLECTED BILLS a. Against Domestic Bills b. Against Foreign Bills
7 FIXED ASSETS 1.93 105.61 2.41 12.75 85.66 10.91 10.00 0.88 1.70 2.458 OTHER ASSETS 144.68 160.00 58.91 62.35 143.92 34.40 15.64 0.88 1.50 2.88
a. Accrued Interest: 102.58 16.15 8.59 4.50 0.31 1.02 1.44 0.04 b. Staff Loans / Adv. 39.92 91.88 5.90 45.94 105.62 1.27 5.38 0.13 0.05 1.83 c. Sundry Debtors 0.34 17.15 0.38 3.16 22.19 15.43 0.32 0.13 0.04 d. Cash In Transit 1.31 0.00 e. Others 0.53 34.81 44.04 8.74 15.79 16.69 8.49 0.63 1.45 0.96
9 Expenses not Written off 0.08 0.13 0.1610 Non Banking Assets 143.5911 Reconcillation Account 116.46 ‐2.71 1478.81 0.01 351.72 81.5312 Profit & Loss A/c 13.75 0.25
603.05 3167.84 3549.48 1635.90 4387.62 3083.65 1186.60 121.74 207.86 143.99
TOTAL LIABILITIES
TOTAL ASSETS
68
Statement of Assets and Liabilities of Micro‐credit Development Banksas on Poush end, 2068
Rs. in million
Liabilities
1 CAPITAL FUND a. Paid‐up Capital
b. Calls in Advance c. General Reserves
d. Share Premiume. Retained Earningf. Others Reserves Fundg. Exchange Fluctuation Fund
2 BORROWINGS a. NRB
b. "A"Class Licensed Institutionc. Foreign Banks and Fin. Ins.d. Other Financial Ins.e. Bonds and Securities
3 DEPOSITSa. Current Domestic Foreignb. Savings Domestic Foreignc. Fixed Domestic Foreignd. Call Depositse. Others
4 Bills Payable5 Other Liabilities
1. Sundry Creditors 2. Loan Loss Provision 3. Interest Suspense a/c 4. Others
6 Reconcillation A/c7 Profit & Loss A/c
Assets1 LIQUID FUNDS
a. Cash Balance Nepalese Notes & Coins Foreign Currencyb. Bank Balance 1. In Nepal Rastra Bank Domestic Currency Foreign Currency 2. "A"Class Licensed Institution Domestic Currency Foreign Currency 3. Other Financial Ins. 4. In Foreign Banksc. Money at Call Domestic Currency Foreign Currency
2 INVESTMENT IN SECURITIESa. Govt.Securities b. NRB Bond c. Govt.Non‐Fin. Ins. d. Other Non‐Fin Ins.e Non Residents
3 SHARE & OTHER INVESTMENT a. Non Residents b. Others
4 LOANS & ADVANCES a. Private Sector b. Financial Institutions c. Government Organizations
5 BILL PURCHASED a. Domestic Bills Purchased b. Foreign Bills Purchased c. Import Bills & Imports
6 LOANS AGAINST COLLECTED BILLS a. Against Domestic Bills b. Against Foreign Bills
7 FIXED ASSETS8 OTHER ASSETS
a. Accrued Interest: b. Staff Loans / Adv. c. Sundry Debtors d. Cash In Transit e. Others
9 Expenses not Written off10 Non Banking Assets11 Reconcillation Account12 Profit & Loss A/c
TOTAL LIABILITIES
TOTAL ASSETS
Firs
t
Nag
beli
Kalik
a
Mir
mir
e
Jana
utth
an
Mit
hila
Total
81.10 12.17 14.00 11.00 2,230.96 70.00 12.00 14.00 11.00 1,121.39
0.45 0.45 2.22 0.04 204.20
4.94 8.88 ‐0.33 300.04
599.94 0.00
725.80 18.31 22.67 4.49 10,635.66 64.29
346.66 1.00 1.79 6,126.47 1,679.95
379.14 18.31 21.67 2.70 2,764.95 ‐
12.80 1.01 4.32 2,676.93 67.55 67.55 ‐
12.80 1.01 4.32 2,487.63 12.80 1.01 4.32 2,487.63
‐ 5.24 5.24 ‐ ‐
116.52 ‐
26.61 1.18 0.64 1.83 1,196.49 0.03 0.22 149.76 3.56 0.41 0.20 1.64 273.92 0.00 124.65
23.02 0.77 0.22 0.19 648.16 3.34 2,034.38
5.86 0.65 261.09 839.37 45.10 41.66 21.64 19,035.51
486.42 4.65 24.04 1.38 3,449.06 1.10 0.00 0.11 12.26 1.10 0.00 0.11 12.26
‐ 486.42 3.54 24.04 1.27 2,635.09 302.72 362.08 302.72 352.13
9.95 27.62 2.55 1.46 0.19 1,768.21 27.62 2.55 1.46 0.19 1,768.20
0.00 156.08 0.99 22.58 1.08 504.80
‐ 801.71 801.71
‐ 51.23 51.23 ‐ ‐ ‐ ‐
0.09 1,424.79 ‐
0.09 1,424.79 329.53 38.15 12.67 17.37 11,033.72
38.15 12.67 17.37 3,371.11 329.53 7,662.61
‐ ‐ ‐ ‐ ‐ ‐ ‐ ‐
6.38 1.24 0.75 1.00 243.67 17.04 0.47 0.77 0.13 643.55
9.35 143.99 0.02 0.03 297.95
0.30 0.08 59.53 1.31
7.67 0.47 0.45 0.05 140.79 0.60 0.96
143.59 3.34 2,029.16 0.09 1.68 15.77
839.37 45.10 41.66 21.64 19,035.51
69
Profit and Loss Account of Micro‐credit Development Banksas on Poush end, 2068
Rs. in million
Expenses
PUG
BB
SPG
BB
PAG
BB
MPG
BB
MG
BB
NIR
DH
AN
RMD
C
DIP
ROSC
CHH
IMEK
1 Interest Expenses 9.73 106.73 34.21 49.36 119.90 1.1 Deposit Liabilities 1.04 23.68 10.83 60.47 1.1.1 Saving A/c 1.04 23.59 10.83 60.47 1.1.2 Fixed A/c 0.09 1.1.2.1 Upto 3 Months Fixed A/c 1.1.2.2 3 to 6 Months fixed A/c 1.1.2.3 6 Months to 1 Year Fixed A/c 0.09 1.1.2.4 Above 1 Year 1.1.3 Call Deposit 1.1.4 Certificate of Deposits 1.2 Others 8.69 83.06 34.21 38.52 59.44 2 Commission/Fee Expense 3 Employees Expenses 12.17 91.66 9.81 28.59 50.48 4 Office Operatiing Expenses 2.12 19.42 2.73 9.81 22.34 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 7. Provision for Risk 2.70 0.63 0.70 2.23 7.1 Loan loss Provision 2.70 0.63 0.70 2.23
7.1.1 General Loan loss Provision 2.38 0.70 2.03 7.1.2 Special Loan Loss Provision 2.70 ‐1.74 0.20 7.1.3 Additional Loan Loss Provision
7.2. Provision for Non‐Banking Assets 7.3. Provision for Loss on Investment 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus 11.5410 Provision for Income Tax 34.6211 Others12 Net Profit 33.53 80.78 39.81 53.15
TOTAL EXPENSES 26.71 251.97 173.70 128.26 248.10
Income 1. Interest Income 12.25 220.72 161.88 120.49 183.92 1.1. On Loans and Advance 9.14 198.58 94.94 112.27 183.74 1.2. On Investment 1.68 1.26 0.42 1.2.1 Government Bonds 0.42 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 1.26 1.2.4 Deventure & Bonds 1.68 1.3 Agency Balance 1.4 On Call Deposit 20.89 10.80 7.70 1.5 Others 1.43 55.72 0.52 0.18 2. Comission & Discount 0.38 7.47 2.53 2.1 Bills Purchase & Discount 2.2 Comission 1.02 2.3 Others 0.38 7.47 1.51 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans. 4 Other Operating Income 20.14 3.84 0.31 60.85 5 Non Operating Income 11.11 6 Provision Written Back 0.34 7.97 0.80 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss 13.75
TOTAL INCOME 26.71 251.97 173.70 128.26 248.10
70
Profit and Loss Account of Micro‐credit Development Banksas on Poush end, 2068
Rs. in million
Expenses
1 Interest Expenses 1.1 Deposit Liabilities 1.1.1 Saving A/c 1.1.2 Fixed A/c 1.1.2.1 Upto 3 Months Fixed A/c 1.1.2.2 3 to 6 Months fixed A/c 1.1.2.3 6 Months to 1 Year Fixed A/c 1.1.2.4 Above 1 Year 1.1.3 Call Deposit 1.1.4 Certificate of Deposits 1.2 Others 2 Commission/Fee Expense 3 Employees Expenses 4 Office Operatiing Expenses 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 7. Provision for Risk 7.1 Loan loss Provision
7.1.1 General Loan loss Provision 7.1.2 Special Loan Loss Provision 7.1.3 Additional Loan Loss Provision
7.2. Provision for Non‐Banking Assets 7.3. Provision for Loss on Investment 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus10 Provision for Income Tax11 Others12 Net Profit
TOTAL EXPENSES
Income 1. Interest Income 1.1. On Loans and Advance 1.2. On Investment 1.2.1 Government Bonds 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 1.2.4 Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 1.5 Others 2. Comission & Discount 2.1 Bills Purchase & Discount 2.2 Comission 2.3 Others 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans. 4 Other Operating Income 5 Non Operating Income 6 Provision Written Back 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss
TOTAL INCOME
Swab
alam
ban
Sana
kisa
n
NER
UD
E
Nay
a N
epal
Sum
mit
Swor
ojga
r
Firs
t
Nag
beli
Kalik
a
66.58 30.70 4.74 5.59 6.91 27.17 1.5910.67 0.37 1.02 1.17 0.4410.67 0.37 1.02 1.17 0.44
66.58 20.03 4.37 4.57 5.74 27.17 1.1512.42 0.00
8.34 29.13 1.75 3.53 2.05 1.72 1.103.76 4.89 0.60 1.41 3.70 2.05 1.03
25.67 2.53 0.63 0.08 0.76 0.25 0.1025.67 2.53 0.63 0.08 0.72 0.25 0.10
5.02 0.78 0.06 0.07 0.35 0.25 0.1020.05 1.75 0.57 0.01 0.37
0.59
0.04
3.87 0.8411.61 2.51
27.09 16.15 1.90 2.76 ‐0.58 5.86 0.65159.33 83.41 9.62 13.37 12.85 40.39 4.46
147.04 70.16 7.78 10.39 11.42 37.54 3.52117.38 68.00 5.32 10.39 9.51 22.00 3.39
2.4622.11 1.91 15.54 0.14
7.55 2.150.09 0.10
0.01 0.100.08
0.02 13.25 1.59 2.98 1.28 2.85 0.85
12.19 0.15
0.25159.33 83.41 9.62 13.37 12.85 40.39 4.46
71
Profit and Loss Account of Micro‐credit Development Banksas on Poush end, 2068
Rs. in million
Expenses
1 Interest Expenses 1.1 Deposit Liabilities 1.1.1 Saving A/c 1.1.2 Fixed A/c 1.1.2.1 Upto 3 Months Fixed A/c 1.1.2.2 3 to 6 Months fixed A/c 1.1.2.3 6 Months to 1 Year Fixed A/c 1.1.2.4 Above 1 Year 1.1.3 Call Deposit 1.1.4 Certificate of Deposits 1.2 Others 2 Commission/Fee Expense 3 Employees Expenses 4 Office Operatiing Expenses 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 7. Provision for Risk 7.1 Loan loss Provision
7.1.1 General Loan loss Provision 7.1.2 Special Loan Loss Provision 7.1.3 Additional Loan Loss Provision
7.2. Provision for Non‐Banking Assets 7.3. Provision for Loss on Investment 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus10 Provision for Income Tax11 Others12 Net Profit
TOTAL EXPENSES
Income 1. Interest Income 1.1. On Loans and Advance 1.2. On Investment 1.2.1 Government Bonds 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 1.2.4 Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 1.5 Others 2. Comission & Discount 2.1 Bills Purchase & Discount 2.2 Comission 2.3 Others 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans. 4 Other Operating Income 5 Non Operating Income 6 Provision Written Back 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss
TOTAL INCOME
Mirm
ire
Jana
utth
an
Mith
ila
Total
1.12 0.30 464.630.01 0.09 109.790.01 0.09 109.70
0.09
0.09
1.11 0.21 354.8412.42
1.58 0.47 242.380.44 74.30
0.17 1.49 37.920.17 1.49 37.890.17 0.17 12.06
1.32 25.230.59
0.04
16.2548.74
261.092.86 2.70 1157.74
2.78 1.13 991.021.25 1.02 836.92
3.360.42
1.261.682.46
1.31 0.11 80.500.22 67.78
10.57
1.139.44
0.31 108.2511.1121.44
0.09 1.25 15.342.86 2.70 1157.74
72
Progress Report of Micro‐credit Development Banksas on Poush end, 2068
PUGBB SPGBB PAGBB MPGBB MGBB NIRDHAN
D D D D D D
1 sfo{If]q ePsf] lhNnf ;+Vof ‐ ‐ ‐ ‐ ‐ 37 2 ;]jf k'u]sf] lhNnf ;++Vof ‐ ‐ ‐ ‐ ‐ 37
3 ;]jf k'u]sf] uf=lj=;=÷g=kf= ;++Vof ‐ ‐ ‐ ‐ ‐ 888 4 s'n sd{rf/L ;+Vof ‐ ‐ ‐ ‐ ‐ 465 5 s'n zfvf ;+Vof ‐ ‐ ‐ ‐ ‐ 92 6 s'n s]Gb| ;+Vof ‐ ‐ ‐ ‐ ‐ 6,569 7 s'n ;d"x ;+Vof ‐ ‐ ‐ ‐ ‐ 26,876 8 lgliqmo ;d"x ;+Vof ‐ ‐ ‐ ‐ ‐ ‐ 9 s'n ;b:o ;+Vof ‐ ‐ ‐ ‐ ‐ 161,342 10 lgliqmo ;b:o ;+Vof ‐ ‐ ‐ ‐ ‐ ‐ 11 s'n C0fL ;+Vof ‐ ‐ ‐ ‐ ‐ 105,327 12 s'n shf{ ljt/0f ‐ ‐ ‐ ‐ ‐ 13,990,100.5 12 n3' Joj;fo shf{ ‐ ‐ ‐ ‐ ‐ 12,789,592.0 12 n3' pBd÷lwtf] shf{ ‐ ‐ ‐ ‐ ‐ 567,035.2 12 cGo shf{ ‐ ‐ ‐ ‐ ‐ 633,473.4 13 shf{sf] ;fFjf c;'nL ‐ ‐ ‐ ‐ ‐ 11,747,308.6
13 n3' Joj;fo shf{sf] ;fFjf c;'nL ‐ ‐ ‐ ‐ ‐ 10,809,129.6
13 n3' pBd÷lwtf] shf{sf] ;fFjf c;'nL ‐ ‐ ‐ ‐ ‐ 411,758.3 13 cGo shf{sf] ;fFjf c;'nL ‐ ‐ ‐ ‐ ‐ 526,420.7 14 s'n afFsL shf{ ‐ ‐ ‐ ‐ ‐ 2,242,792.0 14 n3' Joj;fo shf{ aFfsL ‐ ‐ ‐ ‐ ‐ 1,980,462.4 14 n3' pBd÷lwtf] shf{ aFfsL ‐ ‐ ‐ ‐ ‐ 155,276.9 14 cGo shf{ aFfsL ‐ ‐ ‐ ‐ ‐ 107,052.7 15 efvf gf3]sf] shf{ /sd ‐ ‐ ‐ ‐ ‐ 34,187.7 16 efvf gf3]sf] C0fL ;+Vof ‐ ‐ ‐ ‐ ‐ 4,363 17 Aofh c;'nL /sd ‐ ‐ ‐ ‐ ‐ 530,980.1 18 c;'n x'g afFsL Aofh /sd ‐ ‐ ‐ ‐ ‐ ‐ 19 shf{ gf]S;fgL Aoj:yf ‐ ‐ ‐ ‐ ‐ 52,905.5 20 s'n artstf{ ;+Vof ‐ ‐ ‐ ‐ ‐ 156,355 21 s'n art /sd ‐ ‐ ‐ ‐ ‐ 775,900.2 21 clgjfo{ art ‐ ‐ ‐ ‐ ‐ 426,384.0 21 :j]lR5s art ‐ ‐ ‐ ‐ ‐ 197,222.8 21 cGo art ‐ ‐ ‐ ‐ ‐ 88,981.0
21 ;j{;fwf/0fjf6 ;+sng u/]sf] art ‐ ‐ ‐ ‐ ‐ 63,312.4 22 s'n jrt÷s'n shf{ -℅_ 0.0% 0.0% 0.0% 0.0% 0.0% 34.6%23 n3' pBd shf{÷s'n shf{ -℅_ 0.0% 0.0% 0.0% 0.0% 0.0% 6.9%
ljj/0f
73
Progress Report of Micro‐credit Development Banksas on Poush end, 2068
1 sfo{If]q ePsf] lhNnf ;+Vof2 ;]jf k'u]sf] lhNnf ;++Vof
3 ;]jf k'u]sf] uf=lj=;=÷g=kf= ;++Vof
4 s'n sd{rf/L ;+Vof5 s'n zfvf ;+Vof6 s'n s]Gb| ;+Vof7 s'n ;d"x ;+Vof8 lgliqmo ;d"x ;+Vof9 s'n ;b:o ;+Vof10 lgliqmo ;b:o ;+Vof11 s'n C0fL ;+Vof12 s'n shf{ ljt/0f12 n3' Joj;fo shf{ 12 n3' pBd÷lwtf] shf{ 12 cGo shf{13 shf{sf] ;fFjf c;'nL
13 n3' Joj;fo shf{sf] ;fFjf c;'nL
13 n3' pBd÷lwtf] shf{sf] ;fFjf c;'nL
13 cGo shf{sf] ;fFjf c;'nL14 s'n afFsL shf{14 n3' Joj;fo shf{ aFfsL14 n3' pBd÷lwtf] shf{ aFfsL14 cGo shf{ aFfsL15 efvf gf3]sf] shf{ /sd16 efvf gf3]sf] C0fL ;+Vof 17 Aofh c;'nL /sd18 c;'n x'g afFsL Aofh /sd19 shf{ gf]S;fgL Aoj:yf20 s'n artstf{ ;+Vof21 s'n art /sd21 clgjfo{ art21 :j]lR5s art21 cGo art21 ;j{;fwf/0fjf6 ;+sng u/]sf] art
22 s'n jrt÷s'n shf{ -℅_
23 n3' pBd shf{÷s'n shf{ -℅_
ljj/0fRMDC DIPROSC CHHIMEK Swabalamban Sanakisan
D D D D D
75 25 30 ‐ 75
67 25 29 ‐ 41
‐ 528 642 ‐ 326
23 192 402 ‐ 48
‐ 51 55 ‐ 8
‐ 3,473 6,886 ‐ ‐
‐ 13,772 27,289 ‐ 29,317
‐ ‐ 34 ‐ 2,130
‐ 66,697 140,029 ‐ 198,001
‐ 701 1,323 ‐ 15,476
69 51,048 107,604 ‐ 157,600
6,300,981.7 5,419,997.0 11,207,125.4 ‐ 8,793,596.7
‐ 4,875,546.0 10,724,083.7 ‐ 8,793,596.7
‐ 513,126.0 277,872.6 ‐ ‐
6,300,981.7 31,325.0 205,169.0 ‐ ‐
4,259,432.8 4,302,825.0 9,297,110.0 ‐ 6,529,255.9
‐ 3,861,950.0 8,977,413.9 ‐ 6,529,255.9
‐ 410,077.0 150,231.5 ‐ ‐
4,259,432.8 30,798.0 169,464.6 ‐ ‐
2,041,548.9 1,117,172.0 1,910,015.3 ‐ 2,264,340.9
‐ 1,013,597.0 1,746,669.8 ‐ 2,264,340.9
‐ 103,049.0 127,641.1 ‐ ‐
2,041,548.9 526.0 35,704.5 ‐ ‐
‐ 6,144.0 1,629.6 ‐ 28,415.6
‐ 701 144 ‐ 26
94,935.8 112,264.0 183,738.6 ‐ 1,070,844.8
1.8 4,504.0 1,340.5 ‐ 1,015.9
81,662.0 23,532.0 20,538.4 ‐ 58,711.9
‐ 66,786 140,029 ‐ ‐
‐ 281,680.0 1,216,307.0 ‐ ‐
‐ 126,366.0 367,223.9 ‐ ‐
‐ 67,548.0 292,603.8 ‐ ‐
‐ 87,766.0 499,325.1 ‐ ‐
‐ ‐ 57,154.3 ‐ ‐
0.0% 25.2% 63.7% 0.0% 0.0%
0.0% 9.2% 6.7% 0.0% 0.0%
74
Progress Report of Micro‐credit Development Banksas on Poush end, 2068
1 sfo{If]q ePsf] lhNnf ;+Vof2 ;]jf k'u]sf] lhNnf ;++Vof
3 ;]jf k'u]sf] uf=lj=;=÷g=kf= ;++Vof
4 s'n sd{rf/L ;+Vof5 s'n zfvf ;+Vof6 s'n s]Gb| ;+Vof7 s'n ;d"x ;+Vof8 lgliqmo ;d"x ;+Vof9 s'n ;b:o ;+Vof10 lgliqmo ;b:o ;+Vof11 s'n C0fL ;+Vof12 s'n shf{ ljt/0f12 n3' Joj;fo shf{ 12 n3' pBd÷lwtf] shf{ 12 cGo shf{13 shf{sf] ;fFjf c;'nL
13 n3' Joj;fo shf{sf] ;fFjf c;'nL
13 n3' pBd÷lwtf] shf{sf] ;fFjf c;'nL
13 cGo shf{sf] ;fFjf c;'nL14 s'n afFsL shf{14 n3' Joj;fo shf{ aFfsL14 n3' pBd÷lwtf] shf{ aFfsL14 cGo shf{ aFfsL15 efvf gf3]sf] shf{ /sd16 efvf gf3]sf] C0fL ;+Vof 17 Aofh c;'nL /sd18 c;'n x'g afFsL Aofh /sd19 shf{ gf]S;fgL Aoj:yf20 s'n artstf{ ;+Vof21 s'n art /sd21 clgjfo{ art21 :j]lR5s art21 cGo art21 ;j{;fwf/0fjf6 ;+sng u/]sf] art
22 s'n jrt÷s'n shf{ -℅_
23 n3' pBd shf{÷s'n shf{ -℅_
ljj/0fNERUDE Naya Nepal Summit Sworojgar First Nagbeli
D D D D D D
13 5 ‐ ‐ 75 ‐
13 5 ‐ ‐ 22 ‐
170 41 ‐ ‐ ‐ ‐
219 30 ‐ ‐ 9 ‐
36 6 ‐ ‐ 1 ‐
2,753 229 ‐ ‐ ‐ ‐
13,075 576 ‐ ‐ ‐ ‐
‐ ‐ ‐ ‐ ‐ ‐
57,628 3,036 ‐ ‐ ‐ ‐
‐ 143 ‐ ‐ ‐ ‐
44,920 2,798 ‐ ‐ 27 ‐
4,150,244.9 208,206.0 ‐ ‐ 635,200.0 ‐
643,424.2 192,671.0 ‐ ‐ ‐ ‐
7,858.0 15,535.0 ‐ ‐ ‐ ‐
3,498,962.6 ‐ ‐ ‐ 635,200.0 ‐
3,523,140.1 148,623.0 ‐ ‐ 305,667.6 ‐
511,505.1 139,704.0 ‐ ‐ ‐ ‐
4,808.8 8,919.0 ‐ ‐ ‐ ‐
3,006,826.2 ‐ ‐ ‐ 305,667.6 ‐
627,104.8 59,583.0 ‐ ‐ 329,532.4 ‐
131,919.1 52,967.0 ‐ ‐ ‐ ‐
3,049.2 6,616.0 ‐ ‐ ‐ ‐
492,136.5 ‐ ‐ ‐ 329,532.4 ‐
8,988.5 2,543.0 ‐ ‐ ‐ ‐
2,263 197 ‐ ‐ ‐ ‐
67,837.1 ‐ ‐ ‐ ‐ ‐
1,438.8 ‐ ‐ ‐ ‐ ‐
9,725.3 2,023.0 ‐ ‐ 3,564.9 ‐
57,628 ‐ ‐ ‐ ‐ ‐
252,534.5 18,843.0 ‐ ‐ ‐ ‐
83,208.6 10,794.0 ‐ ‐ ‐ ‐
169,325.9 8,049.0 ‐ ‐ ‐ ‐
‐ ‐ ‐ ‐ ‐ ‐
‐ ‐ ‐ ‐ ‐ ‐
40.3% 31.6% 0.0% 0.0% 0.0% 0.0%
0.5% 11.1% 0.0% 0.0% 0.0% 0.0%
75
Progress Report of Micro‐credit Development Banksas on Poush end, 2068
1 sfo{If]q ePsf] lhNnf ;+Vof2 ;]jf k'u]sf] lhNnf ;++Vof
3 ;]jf k'u]sf] uf=lj=;=÷g=kf= ;++Vof
4 s'n sd{rf/L ;+Vof5 s'n zfvf ;+Vof6 s'n s]Gb| ;+Vof7 s'n ;d"x ;+Vof8 lgliqmo ;d"x ;+Vof9 s'n ;b:o ;+Vof10 lgliqmo ;b:o ;+Vof11 s'n C0fL ;+Vof12 s'n shf{ ljt/0f12 n3' Joj;fo shf{ 12 n3' pBd÷lwtf] shf{ 12 cGo shf{13 shf{sf] ;fFjf c;'nL
13 n3' Joj;fo shf{sf] ;fFjf c;'nL
13 n3' pBd÷lwtf] shf{sf] ;fFjf c;'nL
13 cGo shf{sf] ;fFjf c;'nL14 s'n afFsL shf{14 n3' Joj;fo shf{ aFfsL14 n3' pBd÷lwtf] shf{ aFfsL14 cGo shf{ aFfsL15 efvf gf3]sf] shf{ /sd16 efvf gf3]sf] C0fL ;+Vof 17 Aofh c;'nL /sd18 c;'n x'g afFsL Aofh /sd19 shf{ gf]S;fgL Aoj:yf20 s'n artstf{ ;+Vof21 s'n art /sd21 clgjfo{ art21 :j]lR5s art21 cGo art21 ;j{;fwf/0fjf6 ;+sng u/]sf] art
22 s'n jrt÷s'n shf{ -℅_
23 n3' pBd shf{÷s'n shf{ -℅_
ljj/0fKalika Mirmire Janautthan Mithila
D D D D Total5 10 10 ‐
5 2 6 ‐
32 20 21 ‐ 2,668
17 6 17 ‐ 1,428
5 2 2 ‐ 258
147 25 1 ‐ 20,083
506 25 417 ‐ 111,853
‐ 1 ‐ ‐ 2,165
2,529 390 2,534 ‐ 632,186
‐ 10 ‐ ‐ 17,653
1,809 294 1,089 ‐ 472,585
89,141.0 25,290.1 27,453.0 ‐ 50,847,336.3
80,121.0 21,459.1 21,692.0 ‐ 38,142,185.7
9,020.0 3,831.0 5,761.0 ‐ 1,400,038.7
‐ ‐ ‐ ‐ 11,305,111.8
50,989.9 1,246.3 10,087.2 ‐ 40,175,686.3
47,181.0 1,123.0 7,711.1 ‐ 30,884,973.6
3,808.9 123.3 2,376.2 ‐ 992,102.9
‐ ‐ ‐ ‐ 8,298,609.8
38,151.1 11,789.3 17,365.7 ‐ 10,659,395.4
32,941.2 7,958.3 13,980.9 ‐ 7,244,836.6
5,209.9 3,831.0 3,384.8 ‐ 408,057.9
‐ ‐ ‐ ‐ 3,006,501.0
‐ ‐ 191.7 ‐ 82,100.1
‐ ‐ 1 ‐ 7,695
7,024.1 ‐ 1,441.5 ‐ 2,069,065.9
‐ ‐ 22.0 ‐ 8,323.1
409.7 ‐ 1,489.3 ‐ 254,562.0
2,696 ‐ 2,534 ‐ 426,028
12,801.3 2,420.7 4,324.8 ‐ 2,564,811.5
1,273.5 1,211.1 2,234.0 ‐ 1,018,695.2
1,027.9 147.2 2,090.7 ‐ 738,015.3
10,499.9 1,062.4 ‐ ‐ 687,634.3
‐ ‐ ‐ ‐ 120,466.7
33.6% 20.5% 24.9% 0.0% 24.1%
13.7% 32.5% 19.5% 0.0% 3.8%
76
SN Full Name of Bank and Financial Institutions Short Name SN Full Name of Bank and Financial Institutions Short Name
24 Excel Development Bank Limited Excel
1 Nepal Bank Limited NBL 25 Western Development Bank Limited WDBL
2 Rastriya Banijya Bank RBB 26 H. & B. Development Bank Limited H & B
3 Nabil Bank Limited NABIL 27 Arniko Development Bank Limited Araniko
4 Nepal Investment Bank Limited NIBL 28 NDEP Development Bank Limited NDEP
5 Standard Chartered Bank Nepal Limited SCBNL 29 Clean Energy Development Bank Limited CEDBL
6 Himalayan Bank Limited HBL 30 Miteri Development Bank Limited Miteri
7 Nepal SBI Bank Limited NSBI 31 Tinau Bikas Bank Limited Tinau
8 Nepal Bangaladesh Bank Limited NBB 32 Rising Development Bank Limited Rising
9 Everest Bank Limited EBL 33 Muktinath Bikas Bank Limited Muktinath
10 Bank of Kathmandu Limited BOK 34 Sewa Bikas Bank Limited Sewa
11 Nepal Credit and Commerce Bank Limited NCC 35 Kankai Bikas Bank Limited Kankai
12 Nepal Industrial and Commercial Bank Limited NIC 36 Public Development Bank Limited Public
13 Lumbini Bank Limited Lumbini 37 Mahakali Bikas Bank Limited Mahakali
14 Machhapuchhre Bank Limited MBL 38 Ace Development Bank Limited Ace
15 Kumari Bank Limited Kumari 39 Bhargab Bikas Bank Limited Bhargav
16 Laxmi Bank Limited Laxmi 40 Sangrila Bikas Bank Limited Shangrila
17 Siddhartha Bank Limited SBL 41 Resunga Bikas Bank Limited Resunga
18 Agriculture Development Bank ADBNL 42 Rara Bikas Bank Limited Rara
19 Global Bank Limited Global 43 Diyalo Bikas Bank Limited diyalo
20 Citizens Bank International Citizens 44 Country Development Bank Limited Country
21 Prime Commercial Bank Limited Prime 45 Alpine Development Bank Limited Alpine
22 Bank of Asia Nepal Limited BOA 46 Nilgiri Bikas Bank Limited Nilgiri
23 Sunrise Bank Limited Sunrise 47 Kasthamandap Development Bank Limited Kasthamandap
24 DCBL Bank Limited DCBL 48 Garima Bikas Bank Limited Garima
25 NMB Bank Limited NMB 49 City Development Bank Limited City
26 Kist Bank Limited Kist 50 Biswo Bikas Bank Limited Bishow
27 Janata Bank Nepal Limited Janata 51 Professional Bikas Bank Limited Professional
28 Mega Bank Nepal Limited Mega 52 Kabeli Bikas Bank Limited Kabeli
29 Commerz and Trust Bank Nepal Limited CTBNL 53 Kamana Bikas Bank Limited Kamana
30 Civil Bank Limited Civil 54 Corporate Development Bank Limited Corporate
31 Century Commercial Bank Century 55 Pathibhara Bikas Bank Limited Pathibhara
56 Purnima Bikas Bank Limited Purnima
1 Nepal Industrial Development Corporation NIDC 57 Jyoti Development Bank Limited Jyoti
2 Udhyam Development Bank Limited Uddhyam 58 Bagmati Development Bank Limited Bagmati
3 Malika Development Bank Limited Malika 59 Hamro Bikas Bank Limited Hamro
4 Siddhartha Development Bank Limited SDBL 60 Kakre Bihar Bikas Bank Limited Kakre
5 United Development Bank Limited UDBL 61 Shine Development Bank Limited Shine
6 Manakamana Development Bank Limited MDBL 62 Pacific Development Bank Limited Pacific
7 Narayani Development Bank Limited Narayani 63 Civic Development Bank Limited Civic
8 Pashimanchal Development Bank Limited PDBL 64 International Development Bank Limited IDBL
9 Sahayogi Bikas Bank Limited Sahayogi 65 Gulmi Bikas Bank Limited Gulmi
10 Pashupati Development Bank Limited Pashupati 66 Kanchan Development Bank Limited Kanchan
11 Karnali Bikash Bank Limited Karnali 67 Matribhumi Bikas Bank Limited Matribhumi
12 Triveni Development Bank Limited Triveni 68 Bright Development Bank Limited Bright
13 Annapurna Development Bank Limited Annapurna 69 Innovative Development Bank Limited Innovative
14 Bhrikuti Bikas Bank Limited Bhrikuti 70 Jhimruk Bikas Bank Limited Jhimruk
15 Shubhechchha Bikas Bank Limited Suvekchha 71 Metro Development Bank Limited Metro
16 Bageshowri Development Bank Limited Bageshwori 72 Vivor Bikash Bank Limited Vivor
17 Sanima Bikas Bank Limited Sanima 73 Gaumukhi Bikas Bank Limited Gaumukhi
18 Gaurishankar Development Bank Limited Gaurishankar 74 Raptibheri Bikas Bank Limited Raptiveri
19 Gorkha Bikas Bank Limited Gorkha 75 Nepal Consumer Development Bank Limited Consumer
20 Gandaki Bikas Bank Limited Gandaki 76 Khandbari Development Bank Limited Khadbari
21 Infrastructure Development Bank Limited Infrastructure 77 Tourism Development Bank Limited Tourism
22 Business Development Bank Limited Business 78 Mission Development Bank Limited Mission
23 Biratlaxmi Bikas Bank Limited Biratlaxmi 79 Surya Development Bank Limited Surya
Name list of Bank and Financial Institutions
A. Commercial Banks
B. Development Banks
77
SN Full Name of Bank and Financial Institutions Short Name SN Full Name of Bank and Financial Institutions Short Name
80 Mount Makalu Development Bank Limited Mt. Makalu 46 Royal Merchant Banking & Finance Limited Royal
81 Sindhu Bikas Bank Limited Sindhu 47 Guheshworil Merchant Banking & Finance Limited Guheshwori
82 Sahara Development Bank Limited Sahara 48 Patan Finance Co. Limited Patan
83 Social Development Bank Limited Social 49 Fewa Finance Limited Fewa
84 Nepal Community Development Bank Limited NCDBL 50 Everest Finance Limited Everest
85 Cosmos Development Bank Limited Cosmos 51 Prudential Finance Company Limited Prudential
86 Manasalu Development Bank Limited Manaslu 52 ICFC Finance Limited ICFC
87 Samabriddhi Development Bank Limited Samabriddhi 53 IME Financial Institution Limited IME
88 Ekata Development Bank Limited Ekata 54 Sagarmatha Merchant Banking and Finance Limited Sagarmatha
89 Kalinchowk Development Bank Limited Kalinchowk 55 Shikhar Finance Limited Shikhar
56 Civil Merchant Bittiya Sanstha Limited Civil
1 Nepal Aawas Finance Limited Neapal Aawas 57 Prabhu Finance Co. Limited Prabhu
2 Nepal Finance Limited NFL 58 Imperial Finance Limited Imperial
3 NIDC Capital Markets Limited NIDC Capital 59 Kuber Merchant Finance Limited Kuber
4 Narayani National Finance Limited NNFL 60 Nepal Express Finance Limited NEFL
5 Annapurna Finance Co.Limited AFCL 61 Valley Finance Limited Valley
6 Nepal Share Markets and Finance Limited NSMFL 62 Seti Bittiya Sanstha Limited Seti
7 Peoples Finance Limited Peoples 63 Hama Merchant & Finance Limited hama
8 Mercantile Finance Co. Limited Merchantile 64 Reliable Finance Limited reliable
9 Kathmandu Finance Limited KFL 65 Loard Buddha Finance Limited Lord Buddha
10 Himalaya Finance Limited Himalaya 66 Swostik Merchant Finance Company Limited Swastik
11 Union Finance Limited Union 67 Api Finance Limited Api
12 Gorkha Finance Limited Gorkha 68 Namaste Bitiya Sanstha Limited. Namaste
13 Paschhimanchal Finance Co.Limited PFCL 69 Kaski Finance Limited Kaski
14 Nepal Housing & Merchant Finance Limited NHMFL 70 Suryadarshan Finance Co. Limited Suryadarshan
15 Universal Finance Limited Universal 71 Zenith Finance Limited Zenith
16 Samjhana Finance Co. Limited Samjhana 72 Unique Finance Limited Unique
17 Goodwill Finance Limited Goodwill 73 Manjushree Financial Institution Limited Manjushree
18 Siddhartha Finance Limited SFL 74 Subhalaxmi Finance Limited Subhalaxmi
19 Shree Investment & Finance Co. Limited SIFCL 75 Jebil's Finance Limited Jebils
20 Lumbini Finance & Leasing Co. Limited Lumbini 76 Reliance Finance Limited Reliance
21 Inbesta Finance Limited Investa 77 Lotus Investment Finance Limited Lotus
22 Yeti Finance Limited YFL 78 Baibhab Finance Limited Baibhav
23 Standard Finance Limited Standard 79 Bhaktapur Finance Limited Bhaktapur
24 International Leasing & Finance Co. Limited ILFCO D. Micro‐credit Development Banks25 Mahalaxmi Finance Limited Mahalaxmi 1 Purbanchal Grameen Bikas Bank Limited PUGBB
26 Lalitpur Finance Co. Limited Lalitpur 2 Sudur Pashimanchall Grameen Bikas Bank Limited SPGBB
27 Bhajuratna Finance & Saving Co. Limited Bhajuratna 3 Pashimanchall Grameen Bikas Bank Limited PAGBB
28 United Finance Co. Limited United FC 4 Madhya Pashimanchal Grameen Bikas Bank Limited MPGBB
29 General Finance Limited General 5 Madhymanchall Grameen Bikas Bank Limited MGBB
30 Progessive Finance Limited Progressive 6 Nirdhan Utthan Bank Limited NIRDHAN
31 Alpic Everest Finance Limited AEFL 7 Rural Microfinance Development Centre Limited RMDC
32 Nava Durga Finance Co.Limited Navadurga 8 Deprosc Microfinance Development Bank Limited DIPROSC
33 Janaki Finance Co. Limited Janaki 9 Chhimek Microfinance Development Banks Limited CHHIMEK
34 Pokhara Finance Limited Pokhara 10 Shawalamban Laghu Bitta Bikas Banks Limited Swabalamban
35 Central Finance Limited Central 11 Sana Kisan Vikas Bank Limited Sanakisan
36 Premier Finance Co. Limited Premier 12 Nerude Laghu Bitta Bikas Bank Limited NERUDE
37 Arun Finance Limited Arun 13 Naya Nepal Laghu Bitta Bikas Bank Limited Naya Nepal
38 Multipurpose Finance Co. Limited Multipurpose 14 Summit Microfinance Development Bank Limited Summit
39 Butwal Finance Limited Butwal 15 Sworojagar Laghu Bitta Bika Bank Limited Sworojgar
40 Shrijana Finance Limited Srijana 16 Frist Microfinance Development Bank Limited First
41 Om Finance Limited Om 17 Nagbeli Microfinance Development Bank Limited Nagbeli
42 CMB Finance Limited CMB 18 Kalika Microcredit Development Bank Limited Kalika
43 World Merchant Banking & Finance Limited WMBFL 19 Mirmire Microfinance Development Bank Limited Mirmire
44 Capital Merchant Banking & Finance Co. Limited CMBFCL 20 Janautthan SamudayikMicrofinance Dev. Bank Limited Janautthan
45 Crystal Finance Limited Crystal 21 Mithila Laghu Bitta Bikas Banks Limited Mithila
C. Finance Companies
78