BANKING AND FINANCIAL STATISTICS - Nepal Rastra...

BANKING AND FINANCIALSTATISTICS

MID – JANUARY NO. 50

NEPAL RASTRA BANKBANKS & FINANCIAL INSTITUTIONS REGULATION DEPARTMENT

STATISTICS DIVISION

Deposit (Mid-Jan 2008)14%

51%

25%

1% 9%

Current Deposits Savings DepositsFixed Deposits Others DepositsCall Deposits

Credit & Investment

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BANKING AND FINANCIAL STATISTICS

MID - JANUARY 2008 NO.50

NEPAL RASTRA BANK BANKS & FINANCIAL INSTITUTIONS REGULATION

DEPARTMENT STATISTICS DIVISION

CONTENTS Page No.

I Explanatory Notes i

II Highlights on Perforformance of Banks and Non-Bank Financial Institutions iiiIII List of Tables :

1 Financial System at a Glance 12 Major Indicators of Commercials Banks and ADB/N 23 Sources and Uses of Funds of Commercial Banks and ADB/N 34 Some Ratios of Commercial Banks and ADB/N 45 Capital Fund to Risk Weighted Assets of Commercial Banks 56 Non Performing Loan Status of Commercial Banks 67 Sources and Uses of Funds of Nepal Bank Limited 78 Sources and Uses of Funds of Rastriya Banijya Bank 89 Sources and Uses of Funds of NABIL Bank Limited 910 Sources and Uses of Funds of Nepal Investment Bank Limited 1011 Sources and Uses of Funds of Standard Chartered Bank Nepal Limited 1112 Sources and Uses of Funds of Himalayan Bank Limited 1213 Sources and Uses of Funds of NSBI Bank Limited 1314 Sources and Uses of Funds of Nepal Bangladesh Bank Limited 1415 Sources and Uses of Funds of Everest Bank Limited 1516 Sources and Uses of Funds of Bank of Kathmandu Limited 1617 Sources and Uses of Funds of Nepal Credit & Commerce Bank Limited 1718 Sources and Uses of Funds of Lumbini Bank Limited 1819 Sources and Uses of Funds of Nepal Industrial & Commercial Bank Limited 1920 Sources and Uses of Funds of Machhapuchhre Bank Limited 2021 Sources and Uses of Funds of Kumari Bank Limited 2122 Sources and Uses of Funds of Laxmi Bank Limited 2223 Sources and Uses of Funds of Siddhartha Bank Limited 2324 Sources and Uses of Funds of Agricultural Development Bank Limited 2425 Sources and Uses of Funds of Global Bank Limited 2526 Sources and Uses of Funds of Citizens Bank International Limited 2627 Sources and Uses of Funds of Prime Commercial Bank Limited 2728 Sources and Uses of Funds of Sunrise Bank Limited 2829 Sources and Uses of Funds of Bank of Asia Nepal Limited 2930 Profit & Loss Account of Commercial Banks 3031 Sector wise Loans & Advances of Commercial Banks 3132 Security wise Loans & Advances of Commercial Banks 3233 Deprived Sector Loans of Commercial Banks 3334 Commercial Banks Loans to Public Enterprises 3435 Ownership Classification of Deposits of Commercial banks 3536 Interest Rate Structure of Commercial Banks 3637 Commercial Bank Branches 3838 Sources and Uses of Funds of Development Banks (Aggregate) 4139 Sources and Uses of Funds of Development Banks 4240 Unaudited Financial Results of Development Banks 4541 Sector wise Loans & Advances of Development Banks 4842 Non Performing Loan Status of Development Banks 5143 Sources and Uses of Funds of Finance Companies (Aggregate) 5244 Sources and Uses of Funds of Finance Companies 5345 Sources and Uses of Funds of Finance Companies (Within and Outside Kathmandu Valle 5746 Sector wise Loans & Advances of Finance Co. 5847 Unaudited Financial Results of Finance co. 6248 Non Performing Loan Status of Finance Co. 6649 Sources and Uses of Funds of Rural Development Banks (Aggregate) 6750 Sources and Uses of Funds of Rural Development Banks 6851 Sources and Uses of Funds of Micro-Credit Development Banks (Aggregate) 6952 Sources and Uses of Funds of Micro-Credit Development Banks 7053 Sources and Uses of Funds of Cooperative Societies (Aggregate) 7154 Sources and Uses of Funds of Cooperative Societies 7255 Sources and Uses of Funds of Micro Finance NGOs. 7356 List of Bank and Financial Institutions 75

i

Explanatory Notes

1. This issue of "Banking and Financial Statistics, Mid-Jan 2008, No-50" contains statistical information on NRB licensed banks and non-bank financial institutions.

2. This bulletin consists of 56 tables and a brief explanation on performance of NRB licensed banks and financial institutions.

3. The statistics published in this bulletin are based on the actual monthly and quarterly returns of the banks and non-bank financial institutions.

4. Efforts have been made to present current data for mid-Jan 2008. If the data for that period are not available, the latest available data have been presented in this bulletin.

5. Format for tables of Sources and Uses of Funds of Commercial Banks has slightly been changed from bulletin no 44. Therefore, figures for new headings in these tables are not available for comparison.

6. The term ‘Capital Funds’ does not include pass loan loss provision.

7. As the ADB/N is upgraded into "A" class bank on 2062 Chaitra 03, the financial figures of the bank are consolidated in commercial banking section from mid July, 2007.

8. Due to unavailability of data in specified format, many sub-headings may not contain information. The total figure is shown under main heading.

9. Because of subsequent revisions, differences with previously published figures are at times unavoidable.

10. The totals in the tables may not exactly tally with the sum of the constituent items due to rounding off the figures.

11. For convenience, the following abbreviations are used in different places in the bulletin:

NBL = Nepal Bank Limited NaBL = Nabil Bank Limited RBB = Rastriya Banijya Bank SCBNL = Standard Chartered Bank Nepal Limit NIBL = Nepal Investment Bank Limited HBL = Himalayan Bank Limited NBBL = Nepal Bangladesh Bank Limited NSBIBL = Nepal SBI Bank Limited EBL = Everest Bank Limited BoKL = Bank of Kathmandu Limited NCCBL = Nepal Credit and Commerce Bank Limited LuBL = Lumbini Bank Limited

NICBL = Nepal Industrial and Commercial Bank Limited KBL = Kumari Bank Limited

MBL = Machhapuchchhre Bank Limited LaBL = Laxmi Bank Limited SBL = Sidhartha Bank Limited ADB/N = Agricultural Dev. Bank /Nepal

SFDB = Small Farmers Development Bank OMCDBs = Other Micro Credit Development Banks

RDB = Rural development bank MCDBs = Micro Credit Development Banks

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12. The following months of the Gregorian Calendar year are the approximate equivalent of the months of the Nepalese Calendar year:

Gregorian Month Nepalese Month

Mid-Apr/Mid-May Baisakh

Mid-May/Mid-June Jestha

Mid-June/Mid-July Ashadh

Mid-July/Mid-Aug Shrawan

Mid-Aug /Mid-Sept Bhadra

Mid-Sept/Mid-Oct Aswin

Mid-Oct/Mid-Nov Kartik

Mid-Nov/Mid-Dec Marga

Mid-Dec/Mid-Jan Poush

Mid-Jan/Mid-Feb Magh

Mid-Feb/Mid-Mar Falgun

Mid-Mar/Mid-Apr Chaitra

13. It is hoped that this publication will be of immense use to the researchers and all concerned people in the field of banking, management, economics and statistics.

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HHiigghhlliigghhttss oonn PPeerrffoorrmmaannccee ooff BBaannkkss aanndd NNoonn--BBaannkk FFiinnaanncciiaall IInnssttiittuuttiioonnss

A. Financial Sector at a Glance:

1. The Nepalese financial sector is composed of banking sector and non-banking sector. Banking sector comprises Nepal Rastra Bank (NRB) and commercial banks. The non-banking sector includes development banks, finance companies, micro-credit development banks, co-operative financial institutions, non-government organizations (NGOs) performing limited banking activities and other financial institutions such as insurance companies, employee's provident fund, citizen investment trust, postal saving offices and Nepal stock exchange. However, this bulletin contains information only on those financial institutions which are licensed by NRB up to mid-Jan 2008.

2. During the last two and half decades the number of financial institutions has grown significantly. At the beginning of the 1980s there were only two commercial bank and two development banks in the country. After the induction of economic liberalization policy, particularly the financial sector liberalization, that impetus in the establishment of new bank and non-banks financial institutions. Consequently, by the end of mid-Jan 2008 altogether 235 banks and non-banks financial institutions licensed by NRB are in operation. Out of these, 23 are "A" class commercial banks, 58 "B" class development banks, 79 "C" class finance companies, 12 "D" class micro-credit development banks, 16 saving and credit co-operatives, and 47 NGOs. Table (i) : Growth of Financial Institutions:

Number of Institutions in mid-July Type of Financial Institutions 1980 1985 1990 1995 2000 2005

2006 2007 Mid-Jan

2008 Commercial Banks 2 3 5 10 13 17 18 20 23 Development Banks 2 2 2 3 7 26 28 38 58

Finance Companies - - - 21 45 60 70 74 79

Micro Credit Development Banks - - - 4 7 11 11 12 12

Saving and Credit Cooperatives(limited Banking activities)

- - - 6 19 20 19 17 16

NGOs (financial intermediaries) - - - - 7 47 47 47 47

Total 4 5 7 44 98 181 193 208 235

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3. Along with increase in the number of financial institutions and their activities the total assets/liabilities of the whole financial system witnessed continuous growth over the last six and half years. During the period of 2001 to 2007 the total assets/liabilities increased by on an average of 13.51 percent. Propelled by the strong growth of the major component of total assets/liabilities, the overall assets/liabilities of financial system increased by higher rate of 16.49 percent in the first six months of 2007/08 over 4.79 percent in the same period of last year.

4. In mid-Jan 2008, the total assets/liabilities of financial system reached to Rs.678516.93 million from Rs.582477.30 million in mid July 2007. It was recorded Rs.273946.20 million at the end of mid July 2001.

5. The ratio of total assets/liabilities of the financial system to GDP at nominal prices climbed by 2.55 percentage point to 82.66 percent at mid-Jan 2008 from 80.11 percent in mid-July 2007.

Figure (a): Total Assets/ GDP Ratio

0102030405060708090

Mid-July2001

Mid-July2002

Mid-July2003

Mid-July2004

Mid-July2005

Mid-July2006

Mid-July2007

Mid-Jan2008

Year

Perc

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6. Banking sector, as being the largest financial sector, alone held more than 80 percent of the total assets/liabilities of the financial system. As of mid-Jan 2008 commercial banks group occupied the 82.11 percent followed by finance companies 10.52 percent, development bank 4.72 percent micro credit development bank 1.77 percent and others 0.88 percent. Likewise, the respective shares were 84.23 percent, 3.89 percent, 9.18 percent, 1.77 percent and 0.93 percent in mid July 2007.

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7. Of the component of liabilities the total deposit occupied 65.01 percent followed by other liabilities 26.86 percent, borrowing 5.62 percent and capital fund 2.44 percent in mid Jan 2008. Similarly, in the assets side loans and advances, other assets, investment and liquid fund occupied 51.27 percent, 22.27 percent, 17.63 percent and 9.84 percent respectively.

8. Commercial banking sector held dominate share on the major balance sheet components of financial system. Of the total deposits Rs.441634.23 million in mid Jan 2008, it occupied 84.92 percent followed by finance companies 9.26 percent, development banks 4.89 percent, others 0.63 percent and micro credit development banks 0.30 percent. Similarly, on the loans and advances the share of commercial banks stood at 78.29 percent, finance companies 12.88 percent, development banks 6.05 percent and micro credit development banks 1.85 percent and others 0.93 percent in the same period.

9. In the first six months of current fiscal year the financial system has gained the remarkable achievement in the capital fund front. During this period it is increased by 139.40 percent and reached to Rs.16522.71 million compared to last year. In mid July 2007, it was Rs.6901.70 million only.

10. The total deposit, a major source of fund for financial system accelerated by 12.91 percent and reached to Rs.441634.23 million in mid Jan 2008 compared to 9.19 percent growth in the same period of last year. The average annual growth rate was registered at 12.18 percent during the last six year.

Figure (b): Assets Composition of Whole Financial System

In Mid-Jul 2007

Investment 17%

Liquid Funds 10%

Other Assets 23%

Loans and Advances

50%

In Mid-Jan 2008

Other Assets22%

Liquid Fund10%

Investment17%

Loans and Advances

51%

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11. The loans and advances reported substantial growth of 19.31 percent in mid Jan 2008 compared to 14.42 percent in the same period of the last year. At end of mid Jan 2008 total loans and advances reached to Rs.347900.74 million from Rs.291605.76 in the mid July 2007. During the 2001 to 2007 the annual average growth rate of loans and advances was recorded at 15.45 percent.

12. The higher growth rate of loans and advances compared to deposit mobilization attributed to increase in credit deposit ratio of financial system to 78.78 percent in mid Jan 2008 from 74.55 percent in the end of mid July 2007.

Table (ii) Growth of Major Balance-Sheet Indicators ( in %):

At end of mid-July Mid Jan Particulars

2001 2002 2003 2004 2005 2006 2007 2007 2008

Capital Fund 26.56 43.97 26.56 -107.36 516.43 -17.90 192.50 158.99 139.4

Borrowings - - - 12.46 23.77 34.61 22.32 0.38 42.73

Deposits 21.95 23.59 11.51 13.12 9.81 15.42 19.28 9.19 12.91

Liquid Funds 16.20 -5.90 -20.59 22.08 -14.32 4.23 21.66 9.23 14.93

Investments 40.59 43.36 31.00 8.64 18.95 33.76 14.53 1.86 10.72

Loans and Advances

15.94 19.54 11.35 11.67 13.38 10.22 26.55 14.42 19.31

Figure (c): Credit Deposit Ratio of Whole Financial System

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Mid-July2002

Mid-July2003

Mid-July2004

Mid-July2005

Mid-July2006

Mid-July2007

Mid-Jan2008

Year

Perc

ent

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B. Commercial Banking at a Glance:

13. The number of commercial bank branches operating in the country reached to 574 in mid Jan 2008. Of the total bank branches more than 46.34 percent i.e. 266 bank branches are concentrated in the central region. In the eastern, western, mid-western and far-western region 122, 117, 38 and 31 bank branches are in operation respectively.

14. The total sources of fund of commercial bank increased by higher rate of 14.18 percent in mid Jan 2008 compared to 9.53 percent in the same period of the last year. At end of the mid Jan 2008, the total sources of fund of the commercial banks reached to Rs. 557142.3 million. It was Rs. 487970.3 million in mid July 2007.

15. The composition of sources of fund shows that the proportion of total deposit stood more than two third. As of mid Jan 2008, it constituted the 67.31 percent. Similarly borrowing held the 3.09 percent and capital fund 0.69 percent in the same year. In the mid July 2007, proportions of deposit, borrowing and capital fund to the total sources of fund were 67.16 percent, 2.61 and -0.85 percent respectively.

16. In the first six months of current fiscal year deposit mobilization of commercial bank increased by 11.12 percent compare to 6.73 percent growth in the same period of last year. In mid Jan 2008 it reached to Rs. 375035.7 million from Rs. 337497.2 in the last year. On an average 10.98 percent annual growth rate was observed during the 2001 to 2007 period. During the first six months of 2007/08, the current, saving and fixed deposits were accelerated by higher rate of 13.0 percent, 10.21 percent and 6.63 percent compared to the respective percentage of 6.30, 6.59 and 6.55 in the same period of the last year.

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Figure (e): Trend of Commercial Banking Assets Components/Total Assets

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Liquid Funds /Total Assets Loan and Advances /Total AssetsInvestments /Total Assets Other Assets /Total Assets

17. Of the components of total deposit, saving deposit constituted the highest share of 51.35 percent followed by fixed deposit 24.80 percent, current deposit 13.57 percent and call deposit 9.34 percent in the first six months of current fiscal year. In the last year the respective share of saving, fixed, current and call deposit were 51.77 percent, 25.84 percent, 13.34 percent and 7.99 percent.

18. The borrowings constituted 3.09 percent of total liabilities in mid-Jan 2008. It was 2.60 percent in the last year. During the first six months of 2007/8 the borrowing increased by higher rate of 35.03 percent over 10.26 percent in the same period of last year. By the end of mid Jan 2008 it reached to Rs.17216.6 million from Rs. 12750.4 million in mid July 2007.

19. As against the continued negative figure of capital fund of commercial banks, the remarkable achievement has been observed in the first six months of current fiscal year and turned to positive of Rs.3826.7 million. It was negative of Rs.4149.5 million in mid July 2007.

20. Loans and advances, the major component of uses of fund, constituted the 48.86 percent in mid Jan 2008. Similarly, investment and liquid funds, another component of assets, registered the 18.10 percent and 8.12 percent in the same period. In the mid July 2007 the respective share of loan and advances, investment and liquid funds were 46.66 percent, 19.06 percent and 8.98 percent.

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Figure (f): Composition of Total Deposits of CBs in Mid-Jan 2008

Fixed Deposits25%

Others Deposits1%

Call Deposits9%

Savings Deposits51%

Current Deposits14%

21. During the first six months of current fiscal year, the loans and advances increased by slower rate of 17.51 percent compare to 21.35 percent in the last year. By the end of mid Jan 2008 the total outstanding amount of loans and advances of commercial bank reached to Rs.272364.0 million. It was Rs. 213142.4 million in mid Jan 2007.

22. The aggregate investment in the first six months of 2007/08 increased by higher rate of 7.84 percent compared to 1.13 percent in the same period of last year. At the end of mid Jan 2008, it reached to Rs. 100860.5 million. It was Rs.93530.8 million in mid July 2007.

23. Liquid funds increased by 2.65 percent and reached to Rs.45258.1 million in mid Jan 2008 from Rs. 44089.7 million in mid-July 2007.

24. The sector wise loans and advances of the commercial banks in the first six months of current fiscal year 2007/08 reached to Rs.272284.3 million. Out of these, the production sector constituted the highest share of 26.79 percent followed by wholesale & retailers 18.63 percent, construction 9.33 percent, service industries 7.66 percent, finance, insurance & fixed assets 6.80 percent agriculture 5.09 percent transportation, communication & public services 5.35 and consumable loan 3.13 percent.

25. Subsequent decision of NRB to phase out the priority sector credit, it is not mandatory for commercial banks to provide such credit from the fiscal year 2007/08. However, under the micro credit program these commercial banks have to provide minimum of 3.0 percent of their outstanding credit to the deprived sector from the current fiscal year 2007/08.

26. During the first six months of current fiscal year 2007/08 the deprived sector credit provided by commercial banks increased by 33.08 percent and reached to Rs. 9106.5 million. It was Rs. 6842.0 million in mid-July

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2007. The ratio of deprived sector credit to total credit (six months ago) inched up to 3.93 percent in mid Jan 2008 over 3.24 percent in mid July 2007. Out of the total outstanding of deprived sector credit in the mid Jan, 2008, direct investment constituted 32.15 percent and rest were delivered through indirect channel.

27. In mid Jan 2008, the credit/deposit ratio of the commercial banks expanded by 3.95 point to 72.62 percent from 68.67 percent in mid July 2007. Higher growth rate of private sector credit compared to deposit collection contributed to increase in this ratio.

Figure (g): Credit / Deposit Ratio of Commercial Banking System

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64.00

66.00

68.00

70.00

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Mid - Jul2002

Mid - Jul2003

Mid - Jul2004

Mid - Jul2005

Mid - Jul2006

Mid - Jul2007

Mid-Jan2008

Year

Perc

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28. In the first six months of current fiscal year, net profit of the commercial banks increased by 24.43 percent compared to same period of the last year. These banks earned Rs. 4225.6 million during this period. In the last year it was 3395.9 million.

29. In contrast to negative capital adequacy structure of the commercial banks till mid July 2007, these banks has gained the remarkable improvement over it and maintained Rs. 5067.4 million positive at the end of the first six months of current fiscal year. In mid Jan 2008, the proportion of capital fund to risk weighted assets i.e. capital adequacy stood at 1.47 percent over -0.07 percent in mid July 2007.

Table (iii) Soundness Indicators of Commercial Banking System:

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Mid-July Mid Jan

Indicators 2001 2002 2003 2004 2005 2006 2007 2008 Profitability (Rs. In million)

-7843 -9428 -3317 3707 5205 79888 88300 4225.6

NPL as Percentage of Total Loan

29.3 30.4 28.8 22.8 18.94 14.22 9.65 8.94

Total Capital Fund as Percentage of RWA

-5.49 -9.88 -12.04 -9.07 -6.33 -5.30 0.17 1.47

30. The proportion of non-performing loan to total gross loan of commercial banks declined by 5.14 point and remained to 8.94 percent in mid Jan 2008 over 14.08 percent in mid July 2007. At the end of mid Jan 2008, the total amount of NPL of commercial banks slightly inched up to Rs. 24360.0 million compared to Rs.24215.85 million in mid July 2007.

C. Development Banks:

31. During the first six months of current fiscal year total number of development banks increased substantially to 58 from 38 in mid July 2007. Out of these 10 are national level and rest are district level development banks.

32. In the last year the conversion of ADB/N into commercial banks resulted to decline in overall component of assets and liabilities of development banks. However, the first six months of 2007/08 the total assets/liabilities of development banks increased by 41.49 percent as against the 62.30 percent declined in the same period of previous year. An increase in the number of development banks attributed to expand these assets and liabilities. At the end of mid Jan 2008, these reached to Rs.32059.90 million over Rs. 22658.2 million in the mid July 2007. In mid Jan 2007 it was 18645.20 million.

33. Of the liabilities, deposit constituted the highest share of 67.35 percent followed by capital fund 17.00 percent and borrowing 8.54 percent in mid Jan 2008. In the previous year the respective share of deposit, capital fund and borrowing were 67.84 percent, 17.92 percent and 9.85 percent. Similarly, the proportion of loans and advances to the total asset registered of 65.63 percent followed by liquid funds 15.41 percent and aggregate investment 9.09 percent in the same period.

34. During the first six months of current fiscal year, capital funds, borrowing and deposit of development banks increased by 34.23 percent, 22.69 percent and 40.48 percent respectively. At the end of mid Jan 2008, the respective amount of capital fund, borrowing and deposits reached to Rs.5449.64 million, Rs. 2738.37 million and Rs. 21591.5

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million over Rs.4060.04 million, Rs.2231.87 million and Rs.15370.0 million in mid July 2007 respectively.

35. On an assets side, the overall components were increased remarkably in the mid Jan 2008 compared to mid July 2007. Consequently, the liquid funds, aggregate investment and lending increased by 32.40 percent, 89.56 percent and 36.87 percent respectively. At end of mid Jan 2008, the amount of liquid fund, investment and loans & advances stood at Rs.4940.45 million, 2912.78 million and Rs.21041.8 million over Rs.3731.35 million, Rs.1430.98 million and Rs.12392.2 million in mid July 2007 respectively.

36. The ratio of Non-performing loan of the development banks declined to 4.50 percent in mid Jan 2008 as against 5.16 percent in mid July 2007. The total amount of NPL remained to Rs.810.5 million at end of mid Jan 2008.

37. The ratio of credit to deposit of development banks inched down to 97.45 in mid Jan 2008 from 100 percent in mid July 2007.

Figure (h) :

Liabilities(Mid-Jan 2008)

BORROWINGS9%

CAPITAL FUND17%

DEPOSITS

67%

Other Liabilities

7%

Assets(Mid-Jan 2008)

LOANS & ADVANCE

S66%

LIQUID FUNDS

15%

OTHER ASSETS

10%INVESTM

ENT IN SECURITI

ES9%

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Figure (i): Components of Assets / Liabilities of Development Banks

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LIQUID FUNDS INVESTMENT IN SECURITIES LOANS & ADVANCES

D. Finance Companies:

38. By the end of mid Jan 2008, total number of finance companies increased 79 from 74 in mid July 2007. During this period one finance company is upgraded into B class development banks while 6 other new finance companies came into operation. Out of that only 25 are been operating outside the Kathmandu valley.

39. The total assets/liabilities of the finance companies increased by 33.48 percent and reached to Rs.71365.76 million in mid-Jan 2008 from Rs. 53466.3 million in mid-July 2007. Of the total liabilities deposits held the largest share of 57.29 percent followed by borrowing 12.78 percent and capital fund 7.86 percent. On the assets side, loans and advances, liquid funds and investment held 62.81 percent, 20.37percent and 7.86 percent respectively.

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Liabilities

BORROWINGS13%

DEPOSITS

57%

CAPITAL FUND

8%

Other Liabilities

22%

AssetsOTHER ASSETS

9%

LIQUID FUNDS

20%

INVESTMENT IN

SECURITIES8%

LOANS & ADVANC

ES63%

40. Of the total liabilities, borrowing of the finance companies increased significantly by 162.93 percent and reached to Rs. 9122.57 million in mid Jan 2008 from Rs. 3469.54 million in mid July 2007. Similarly, the total deposit increased by 18.46 percent in the same period. In mid Jan 2008, the total deposit reached to 40884.67 million from Rs.3469.54 million in mid July 2007. The capital fund grew by merely 4.25 percent in the first six months of current fiscal year and reached to 5608.37 million from 5379.8 million in mid July 2007.

41. In the use side of funds, liquid fund increased substantially by 93.49 percent and reached to Rs.14537.33 million in mid Jan 2008 from Rs. 7513.41 million in mid July 2007. Similarly, loans & advances and aggregative investment increased by 25.85 percent and 21.0 percent respectively. By the end of mid Jan 2008, the outstanding amount of loans and advances accounted to Rs.44824.14 million and investment registered at Rs.5609.04 million. In the mid July 2007, these were Rs.35616.46 million and 4635.66 million respectively.

42. Credit deposit ratio of finance companies expanded by 6.44 percentage point to 109.63 percent in mid Jan 2008 from 103.19 percent in mid July 2007. Such ratio is increasing significantly from the fiscal year 2005/06 onwards.

43. With respect to the sector wise credit distribution, construction, wholesaler & retailers, consumable loan and transportation, communications & public services constituted 22.2 percent, 12.5 percent, 9.7 percent and 8.5 percent respectively. Whereas, others, non included elsewhere, held the highest share of 32.3 percent of total outstanding loans and advances in mid Jan 2008.

44. Based on un-audited financial results of second quarter revealed that the proportion of NPL to total loan declined by more than two point to 4.39 percent in mid Jan 2008 from 6.17 percent in mid July 2007. By the end

Figure (h): Assets/Liabilities Composition of Finance Companies in mid-Jan 2008

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of mid Jan 2008 the total amount of NPL remained to Rs.194.4 million from Rs. 213.9 million in the last year.

E. Micro Credit Development Banks:

45. The total number of "D" class micro credit development banks remained the same as last year. As of mid Jan 2008 there were altogether 12 micro credit development banks. Out of these five are Regional Rural Development Banks.

46. During the first six months of 2007/08 the total assets/liabilities of micro credit development banks increased by 16.70 percent and reached to Rs.11998.94 million from Rs.10281 million in mid July 2007. Of the total assets/liabilities the proportion of Regional Rural Development Banks decreased to 34.31 percent in mid Jan 2008 from 38.57in the last year.

47. In mid Jan 2008, the total outstanding of micro credit increased by 11.54 percent amounting to Rs.6447.6 million from Rs.5780.6 million in mid July 2007. Out of the total micro credit only 28.62 percent is held by Regional Rural Development Banks.

Rural Development Banks

48. There are five regional level rural development banks involved in micro credit activities. The total assets/liabilities of these Banks inched up by 3.82 percent and reached to Rs.4117.1 million in mid Jan 2008 from Rs. Rs. 3965.5 million in mid July 2007. Of the total liabilities, borrowing constituted 70.47 percent, deposit 13.29 percent and capital fund 7.35 percent. Similarly on the assets side, loans and advances held the highest share of 44.83 percent followed by aggregate investment 38.76 percent and liquid fund 4.71 percent in the mid Jan 2008.

49. During the first six months of 2007/08, deposit and borrowing increased by 4.35 and 5.64 percent respectively while the capital fund decreased by 10.61 percent. Likewise, in the assets side, the total credit and investment increased by 4.21 percent, 3.51 percent respectively. However, the liquid funds decrease by 1.77 percent in the same period.

50. By the end of mid Jan 2008, capital funds, borrowings, and deposit accounted to Rs. 302.5 million, 2901.5 million and 547.1 million respectively. Likewise, the liquid funds, investment and loans & advances stood at Rs. 194.0 million, 1595.9 million and 1845.6 million respectively.

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Other Micro Credit Development Banks

51. The total assets/liabilities of other micro credit development banks increased by 24.79 percent and reached to Rs. 7881.8 million in mid Jan 2008. It was Rs. 6315.9 million in mid July 2007.

52. In mid Jan 2008, the borrowing constituted 59.14 percent followed by capital fund 10.30 percent and deposit by 9.81 percent respectively. On the assets side, loans and advances a major chunk of assets, held the 58.39 percent while other components aggregate investment 20.39 percent and liquid fund 8.65 percent in the same period.

Mid-July 2007

RDBs39%

OMCDBs

61%

Mid-Jan 2008

OMCDB66% RDBs

34%

During the first six months of current fiscal year 2007/08, capital fund borrowing and deposit increased by 4.04 percent, 11.96 percent and 32.18 percent compared to the previous year respectively. The growth rate of respective components in the last year was 17.96 percent, 74.98 percent and 40.03 percent. As of mid Jan 2007, the capital fund, borrowing and deposit reached to Rs. 811.6 million, Rs.4661.6 million and Rs.773.5 million respectively.

On the assets front, aggregate investment increased substantially by 252.81 percent and reached to Rs.1607.4 million over 15.97 percent growth in the same period of last year. During the first six months of 2007/08 outstanding of micro credit increased by 14.77 percent and reached to Rs.4602.0 million from Rs.4009.6 million in mid July 2007. The liquid fund in the mid Jan 2008, decreased by 56.73 percent compared to mid July 2007and remained to 681.7 million from Rs.1575.3 million.

Figure (m): Composition of Micro Credit Development Banks' Assets/Liabilities

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Figure (n): Growth of Assets/Liabilities Components of Other MCDBs

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in L

akh

CAPITAL FUND DEPOSITS BORROWINGS

LIQUID FUNDS INVESTMENT LOANS & ADVANCES

F. Cooperatives and NGOs:

53. The number of financial cooperatives licensed by NRB to conduct limited banking activities decreased to 16 in mid-Jan 2008 from 17 in mid July 2007.

54. As against the decline in the number, the aggregate assets/liabilities of the cooperatives increased by 9.04 percent and reached to Rs. 3914.85 million in mid-Jan 2008 from Rs. 3590.39 million in mid-July 2007. Of the total liabilities, deposits accounted 67.90 percent, capital funds 9.32 percent and borrowings 4.88 percent. Similarly, loans and advances held 67.78 percent of total assets. Other components of total assets namely liquid funds and investments held 17.26 percent and 5.59 percent respectively.

55. During the first six months of 2007/08 the capital fund increased by 5.50 percent compared to 6.51 percent in the last year. The total deposit, a major chunk of sources of fund, grew by slower rate of 4.45 percent as against the 14.35 percent growth in same period of last year. By the end of mid Jan 2008, it reached to Rs.2658 million. Similarly, the borrowing accounted a higher rate of 97.53 percent growth in mid July 2007 compared to the last year.

56. In mid Jan 2008, loans and advances the major component of uses of fund, increased by 9.13 percent and reached to Rs. 2433.58 million from Rs.2229.81 million in mid July 2007. Similarly, liquid fund and investment increased by 26.55 percent and 12.91 percent in the same

xviii

period of last year. By the end of mid Jan 2008 liquid fund and investment reached to Rs.619.75 million and Rs.200.65 million respectively.

57. The total number of NGOs licensed by NRB to perform as a financial intermediaries remained the same to 47 in the mid Jan 2008. However, the total sources and uses of fund of these NGOs increased significantly and reached to Rs. 2034.17 million in mid Jan 2008 from Rs.1842.26 million in mid July 2007. By the end of mid Jan 2008 total outstanding micro credit of these NGOs stood at Rs. 786.89 million. It was Rs. 775.69 million in mid July 2007. Similarly, during this period Rs. 143.78million was mobilized as a macro saving. As of mid Jan 2008, borrowing stood at Rs.1281.36 million.

(Rs in Million)

2001 2002 2003 2004 2005 2006 2007 2007 20081 Capital Fund 10993.50 15827.20 20031.00 -1474.30 -9088.10 -7461.47 6901.70 4401.54 16522.71

Commercial Banks 74.9% 64.5% 59.0% -692.0% -210.5% 237.78% -60.12% -117.31% 23.16%Development Banks 5.7% 17.2% 20.6% 282.0% 52.15% -26.86% 58.83% 79.86% 32.98%Finance Companies 17.5% 16.8% 16.0% 247.8% 46.76% 90.55% 77.97% 105.72% 33.94%Micro Credit Development Banks 3.1% 45.29% 8.14% 19.25% 16.21% 21.99% 6.74%Others 1.9% 1.6% 1.4% 16.8% 3.44% 44.59% 7.13% 9.74% 3.17%

2 Borrowing 11650.90 13102.90 16217.60 21830.26 26703.67 21912.72 38112.97Commercial Banks 27.2% 23.1% 42.2% 43.61% 47.75% 47.90% 45.17%Development Banks 50.5% 45.5% 27.7% 23.94% 8.36% 8.39% 7.18%Finance Companies 1.2% 10.0% 6.1% 5.29% 12.99% 10.37% 23.94%Micro Cr. Development Banks 20.5% 21.1% 21.0% 24.39% 26.00% 29.64% 19.84%Others 0.6% 0.3% 3.0% 2.77% 4.90% 3.69% 3.86%

3 Deposits 197325.60 205135.30 228736.40 258742.30 284115.20 327925.28 391152.60 358063.31 441634.23Commercial Banks 92.1% 90.3% 89.1% 90.4% 88.8% 88.81% 86.28% 86.81% 84.92%Development Banks 1.3% 2.4% 2.8% 1.5% 2.4% 1.78% 3.93% 3.38% 4.89%Finance Companies 5.9% 6.6% 7.2% 7.5% 7.9% 8.34% 8.82% 8.90% 9.26%Micro Cr. Development Banks 0.3% 0.3% 0.3% 0.28% 0.28% 0.26% 0.30%Others 0.7% 0.8% 0.8% 0.6% 0.6% 0.78% 0.68% 0.64% 0.63%

4 Other Liabilities 96632.60 117061.30 183080.30 163664.30 157719.20 145833.01 182247.02Commercial Banks 89.7% 89.4% 93.4% 89.01% 91.64% 93.77% 88.38%Development Banks 6.8% 7.1% 4.0% 6.47% 0.63% 0.31% 1.25%Finance Companies 2.3% 2.4% 1.6% 3.69% 6.41% 4.41% 8.64%Micro Cr. Development Banks 0.7% 0.7% 0.8% 0.68% 0.71% 0.90% 1.10%Others 0.4% 0.3% 0.3% 0.15% 0.61% 0.60% 0.63%

5 Liquid Fund 58587.30 55133.50 43782.00 53448.80 45792.50 47728.06 58064.15 52132.16 66734.87Commercial Banks 94.9% 90.6% 87.2% 86.5% 83.8% 81.38% 75.93% 79.75% 67.82%Development Banks 1.0% 3.4% 5.8% 4.3% 4.9% 3.25% 6.43% 5.29% 7.40%Finance Companies 3.5% 5.2% 6.1% 8.4% 8.5% 11.29% 12.94% 10.76% 21.78%Micro Cr. Development Banks 1.0% 1.1% 1.4% 2.77% 3.05% 2.96% 1.31%Others 0.6% 0.8% 0.9% 0.8% 1.3% 1.31% 1.65% 1.23% 1.68%

6 Investment 27398.50 39279.70 51457.90 55903.10 66499.10 88959.57 101888.18 90611.53 112807.56Commercial Banks 92.9% 87.1% 88.2% 88.8% 90.5% 92.37% 91.80% 91.71% 89.41%Development Banks 1.8% 8.3% 6.7% 6.3% 3.0% 2.38% 1.51% 1.57% 2.58%Finance Companies 4.6% 4.1% 4.6% 4.5% 3.6% 3.13% 4.55% 3.91% 4.97%Micro Cr. Development Banks 2.0% 2.2% 2.3% 1.88% 1.96% 2.60% 2.84%Others 0.7% 0.5% 0.5% 0.3% 0.6% 0.24% 0.18% 0.22% 0.20%

7 Loans and Advances 124048.90 148290.70 165119.10 184389.10 209053.70 230424.74 291605.76 263649.52 347900.74Commercial Banks 88.0% 76.3% 75.4% 75.9% 78.3% 76.74% 79.50% 80.86% 78.29%Development Banks 2.3% 14.7% 14.9% 13.8% 9.2% 8.72% 5.27% 4.55% 6.05%Finance Companies 8.8% 8.1% 8.8% 9.5% 10.2% 11.76% 12.21% 11.87% 12.88%Micro Cr. Development Banks 1.5% 1.5% 1.7% 1.87% 1.98% 1.83% 1.85%Others 1.0% 0.9% 0.9% 0.7% 0.7% 0.91% 1.03% 0.88% 0.93%

8 Other Assets 96691.9 93691.2 152979.7 138846.08 130919.04 123817.29 151073.76Commercial Banks 100.8% 101.7% 97.2% 94.26% 92.57% 92.92% 91.78%Development Banks -4.4% -5.5% 0.0% 1.91% 1.54% 1.41% 2.09%Finance Companies 2.7% 2.9% 1.9% 2.59% 4.36% 3.87% 4.24%Micro Cr. Development Banks 0.3% 0.3% 0.4% 0.65% 0.56% 0.79% 0.97%Others 0.6% 0.5% 0.4% 0.60% 0.98% 1.01% 0.92%

9 Total Assets / Liabilities 273946.20 314567.10 357050.90 387432.20 474325.90 505958.47 582477.30 530210.14 678516.93Commercial Banks 91.8% 87.4% 85.6% 87.7% 86.7% 84.73% 84.23% 85.43% 82.11%Development Banks 1.7% 6.0% 7.5% 4.7% 4.9% 5.22% 3.89% 3.38% 4.72%Finance Companies 5.8% 5.9% 6.2% 7.0% 6.4% 7.68% 9.18% 8.53% 10.52%Micro Cr. Development Banks 1.2% 1.3% 1.3% 1.62% 1.77% 1.83% 1.77%Others 0.7% 0.7% 0.7% 0.6% 0.7% 0.75% 0.93% 0.83% 0.88%

Mid - July Mid-Jan

Table No.1Financial System at a Glance

1

2001 2002 2003 2004 2006 2007 1. Gross Domestic Product 1/ Rs.in million 441518.0 459443.0 492230.0 536749.0 589412.0 646469 719476 640547 719476 (P)

2. Number of Bank Branches In Unit 430.0 413.0 447.0 423.0 422.0 437 552 542 574 3. Population per Bank Branches In Thousand 53.8 57.3 54.1 58.5 60.0 59.2 47.9 46.7 46.1 4. Total Deposits Rs.in million 181767.0 185144.7 203879.3 233811.2 252409.8 291245.5 337497.2 310858.5 375035.7 A. Current 25100.7 24327.0 28862.5 33729.9 34646.4 37386.5 45031.2 39743.2 50887.5 B. Savings 80988.4 83855.6 97238.9 114137.2 129995.0 151639.4 174732.5 161638.5 192570.1 C. Fixed 65322.3 64171.4 63287.6 65130.9 67318.2 76572.8 87212.6 81587.1 92993.4 D. Others 10355.6 12790.7 14490.3 20813.2 20450.2 25646.8 30520.9 27889.7 38584.75. Total Credit Rs.in million 109121.2 113174.6 124522.4 140031.4 163718.8 176820.3 231829.5 213198 272370.66. Total Investment Rs.in million 25446.5 34209.8 45386.3 49668.6 60181.1 82173.7 93530.8 83101.2 100860.57. Credit to Government Enterprises Rs.in million 2909.7 2651.1 2867.7 2519.4 2442.5 4988.7 5461.4 5470.85 5782.78. Average Deposit per Bank Branch Rs.in million 422.7 448.3 456.1 552.7 598.1 666.5 611.4 573.5 653.49. Per Capita Deposits Rs. in Unit 7851.7 7997.6 8806.9 10099.8 10903.2 11515.5 13344.2 12290.9 14184.410. Average Credit per Bank Branch Rs.in million 253.8 274.0 278.6 331.0 388.0 404.6 420.0 393.4 474.511. Per Capita Credit Rs. in Unit 4713.7 4888.8 5378.9 6048.9 7072.1 6991.2 9166.2 8429.6 10301.512. Deposit Growth In Percentage 17.3 1.9 10.1 14.7 8.0 9.6 15.9 6.7 11.113. Credit Growth In Percentage 13.3 3.7 10.0 12.5 16.9 3.0 31.1 20.6 17.514. Investment Growth In Percentage 41.6 34.4 32.7 9.4 21.2 24.5 13.8 1.1 7.815. Time Deposit Growth In Percentage 14.4 1.2 8.4 11.7 10.1 10.0 13.9 6.5 6.616. Paid up Capital & Reserve Fund Rs. in million 8230.2 10202.5 11814.6 14854.4 15153.3 16567 28640.7 26279.1 348071/ Source: Nepal Rastra Bank, Research Department (At current prices)

Mid-July2007 2008

MID-Jan

Table No. 2MAJOR INDICATORS OF COMMERCIAL BANKS & ADB/N

Unit2005

2

(Rs. in million)

2001 2002 2003 2004 2005 2006 2007 2007 20081 CAPITAL FUND 8230.2 10202.5 11814.6 -10201.7 -19129.5 -17742.1 -4149.5 -5163.3 3826.7 a. Paid-up Capital 5504.1 6431.0 7726.0 8350.0 9723.9 10571.7 20017.1 18047.6 25488.3 b. Statutory Reserves 1787.1 2540.0 2820.0 3385.0 3825.9 4841.7 6586.0 6055.3 7393.5

c. Share Premium 10.0 10.0 10.0 10.0 210.0d. Retained Earning 260.9 75.7 -25056.1 -34292.8 -34912.0 -32800.2 -31452.4 -31657.8e. Others Reserves 939.0 970.6 1192.9 3119.4 1062.5 1376.8 1607.8 1744.6 1925.2F. Exchange FluctuationFund 541.1 369.7 429.8 431.6 467.6

2 BORROWINGS 2308.7 2349.5 3170.4 3023.6 6842.9 9519.6 12750.4 10497.1 17216.6 a. NRB 411.8 1167.7 1437.0 731.6 4488.6 3644.5 3767.7 3440.4 5399.9

b. "A"Class Licensed Institution 1896.9 953.4 1599.2 1770.5 1347.2 1991.9 3119.3 2057.6 6543.6c. Foreign Banks and Fin. Ins. 0.0 228.5 134.2 521.4 27.6 2273.2 3692.1 3210.2 3227.2d. Other Financial Ins. 979.6 111.4 178.9 -14.0e. Bonds and Securities 1610.0 2060.0 1610.0 2060.0

3 DEPOSITS 181767.0 185144.7 203879.3 233811.2 252409.8 291245.6 337497.2 310858.1 375035.7a. Current 25100.7 24327.0 28862.5 33729.9 34646.4 37386.6 45031.2 39743.2 50887.5 Domestic 29196.3 32794.6 39967.0 34794.9 44036.3 Foreign 5450.0 4592.0 5064.2 4948.3 6851.3b. Savings 80988.4 83855.6 97238.9 114137.2 129995.0 151639.4 174732.5 161638.2 192570.1 Domestic 123899.0 145701.7 168419.0 155999.2 186018.2 Foreign 6095.9 5937.7 6313.5 5639.0 6551.9c. Fixed 65322.3 64171.4 63287.6 65130.9 67318.2 76572.8 87212.6 81587.0 92993.4 Domestic 59053.9 63555.6 72661.1 68072.6 80278.7 Foreign 8264.3 13017.2 14551.4 13514.4 12714.8d. Call Deposits 7691.8 10531.9 12027.9 18061.1 17681.7 22722.1 26953.3 24989.2 35039.0e. Others 2663.8 2258.8 2462.4 2752.1 2768.5 2924.7 3567.6 2900.5 3545.7

4 Bills Payable 480.2 599.6 698.7 918.8 844.85 Other Liabilities 59221.3 77221.2 86697.4 113183.6 92900.7 86580.7 79854.6 83132.0 88732.2

1. Sundry Creditors 2986.1 4513.5 8064.9 9280.0 14987.0 2. Loan Loss Provision 31419.2 26097.4 28485.1 28536.4 29632.2 3. Interest Suspense a/c 39070.5 36083.1 33659.7 33347.9 34751.8 4. Others 59221.3 77221.2 86697.4 113183.6 19424.9 19886.7 9644.6 11967.7 9361.3

6 Reconcillation A/c 65319.8 47230.1 60737.6 56982.5 66674.37 Profit & Loss A/c 581.3 4811.9

251527.2 274917.9 305561.7 339816.7 398824.0 417433.5 487970.3 457225.2 557142.31 LIQUID FUNDS 55583.3 49937.2 38163.6 46252.8 38369.4 38842.1 44089.7 41577.2 45258.1

a. Cash Balance 4775.1 5494.8 5440.4 4719.3 5137.3 6306.6 7813.6 5999.4 8585.0 Nepalese Notes & Coins 4116.9 4881.1 4735.9 4283.8 4763.8 5908.6 7359.7 5534.8 8055.2 Foreign Currency 658.2 613.8 704.5 435.5 373.5 398.0 453.9 464.6 529.8b. Bank Balance 37230.9 31115.2 21334.4 26579.7 21173.5 24309.2 28434.1 28840.4 28376.1 1. In Nepal Rastra Bank 21440.9 23170.3 16867.6 22728.2 17859.5 21058.2 23233.2 24155.6 22932.9 Domestic Currency 16501.0 20866.6 23085.4 24008.5 22682.8 Foreign Currency 1358.6 191.6 147.9 147.1 250.1 2. "A"Class Licensed Institution 796.1 928.2 683.7 1825.1 848.9 1288.9 1545.4 1718.1 3056.4 Domestic Currency 835.2 1287.7 1511.9 1511.5 2805.5 Foreign Currency 13.7 1.2 33.0 206.6 250.8 3. Other Financial Ins. 0.0 0.0 258.6 224.4 375.6 4. In Foreign banks 14993.9 7016.7 3783.1 2026.4 2465.1 1962.1 3397.0 2742.3 2011.2c.Money at Call 13577.3 13327.3 11388.8 14953.8 12058.7 8226.3 7841.8 6737.4 8297.0 Domestic Currency 1482.0 1805.5 2768.1 2282.3 3229.8 Foreign Currency 10576.7 6420.8 5073.7 4455.0 5067.2

2 INVESTMENTS 25100.9 28573.8 39045.5 42384.3 50821.9 57539.1 64443.0 57133.4 61608.8a. Govt.Securities 25100.9 28573.8 39045.5 42384.3 47678.2 57464.7 63889.5 56883.8 61608.8b. NRB Bond 0.0 0.0c. Govt.Non-Fin. Ins. 100.4 0.0 0.0 0.0 0.0d. Other Non-Fin Ins. 0.0 0.0 0.0 0.0 0.0e Non Residents 3043.4 74.4 553.5 249.7 0.0

3 SHARE & OTHER INVESTMENT 345.6 5636.0 6340.8 7284.3 9359.1 24634.7 29087.8 25967.8 39251.7 1. Non Residents 6467.5 17515.0 21374.8 20718.9 22507.1 2.Others 2891.5 7119.7 7713.2 5248.8 16744.6

4 LOANS & ADVANCES 107118.9 111694.4 123211.1 138922.9 159641.4 173383.4 228951.9 210331.6 269185.0a. Government Organization 2909.6 2651.1 2867.7 2519.4 2442.5 4988.7 5461.4 5470.8 5782.7b. Pvt. Sector 104209.3 109043.3 120343.4 136403.5 157198.9 168394.7 218597.7 199213.1 257679.5c. Financial Institutions 4892.7 5647.7 5722.8

5 BILL PURCHED 1887.2 1322.2 1143.8 1050.4 3909.2 3353.8 2824.1 2810.8 3179.5 a. Domestic Bills Purchased 745.7 669.6 500.4 609.8 721.1 b. Foreign Bills Purchased 1887.2 1322.2 1143.8 1050.4 1053.4 1230.9 1060.3 1246.7 1010.2 c. Import Bills & Imports 2110.1 1453.3 1263.3 954.3 1448.1

6 LOANS AGAINST COLLECTED BILLS 115.0 158.0 167.5 58.2 168.2 83.0 53.5 55.5 6.1 a. Against Domestic Bills 21.7 21.2 1.4 35.1 5.4 b. Against Foreign Bills 115.0 158.0 167.5 58.2 146.5 61.8 52.1 20.4 0.7

7 FIXED ASSETS 3809.6 4026.7 6077.7 5384.8 6676.78 OTHER ASSETS 61376.3 77596.3 97489.4 103863.8 50728.6 52632.7 59145.7 56767.0 67611.0

a. Accrued Interests 19888.5 23742.8 27722.2 34458.5 38786.5 36718.0 33444.3 33863.9 35616.6 Govt. Entp. 334.3 308.2 297.8 180.3 161.9 297.7 423.6 227.2 372.5 Private Sector 19554.2 23434.6 27424.4 34278.2 38624.6 36420.3 33020.8 33636.7 35244.2 b. Staff Loans / Adv. 4448.0 5877.6 6181.8 7168.2 c. Sundry Debtors 2427.5 1750.5 7052.0 3509.5 12065.6 d. Cash In Transit 795.8 513.6 584.8 373.5 2584.2 e. Others 41487.8 53853.5 69767.2 69405.3 8718.8 9202.6 12186.9 12838.3 10176.4

9 Expenses not Written off 262.4 377.5 350.0 373.0 345.810 Non Banking Assets 1269.9 2109.7 2633.5 2837.0 2572.211 Reconcillation Account 75288.9 59040.3 50313.4 48465.6 53316.112 Profit & Loss A/c 5195.2 1410.5 5521.5 8131.3

251527.2 274917.9 305561.7 339816.7 398823.9 417433.5 487970.3 457225.2 557142.3

Table No. 3

SOURCES OF FUNDS

USES OF FUNDS

Mid-July Mid-Jan

SOURCES AND USES OF FUND OF COMMERCIAL BANKS (AGGREGATE)

3

2001 2002 2003 2004 2005 2006 2007A. GDP, DEPOSITS, CREDIT & INVESTMENT 1. Deposit / GDP 44.2 43.8 41.4 43.6 42.8 45.1 46.9 48.5 52.1 2. Credit / GDP 26.6 26.8 25.3 26.1 27.8 27.4 32.2 33.3 37.9 3. Investment / GDP 6.2 8.1 9.2 9.3 10.2 12.7 13.0 13.0 14.0 4. Credit & Investment / GDP 32.8 34.9 34.5 35.3 38.0 40.1 45.2 46.3 51.9 5. Time Deposit / GDP 35.6 35.1 32.6 33.4 33.5 35.3 36.4 38.0 39.7 6. Current Deposit / GDP 8.6 8.8 5.9 6.3 5.9 5.8 6.3 6.2 7.1 7. Credit / Total Deposit 60.0 61.1 61.1 59.9 64.9 60.7 68.7 68.6 72.6 8. Investment / Total Deposit 14.0 18.5 22.3 21.2 23.8 28.2 27.7 26.7 26.9 9. Credit & Investment / Total Deposit 74.0 79.6 83.3 81.1 88.7 88.9 96.4 95.3 99.510. Time Deposit / Total Deposit 80.5 80.0 78.7 76.7 78.2 78.4 77.6 78.2 76.111. Current Deposit / Total Deposit 19.5 20.0 14.2 14.4 13.7 12.8 13.3 12.8 13.612. Credit to Govt. Entp. / Total Credit 2.7 2.3 2.3 1.8 1.5 2.8 2.4 2.6 2.113. Credit to Pvt.Sector / Total Credit 97.3 97.7 97.7 98.2 98.5 97.2 95.5 94.8 96.1B. LIQUIDITY1. NRB Balance / Total Deposit 12.5 13.4 8.9 9.7 7.1 7.2 6.9 7.8 6.12. Vault / Total Deposit 2.8 3.2 2.9 1.8 1.9 2.2 2.3 1.9 2.33. Total Liquid Fund / Total Deposit 32.4 29.0 20.2 19.8 15.2 13.3 13.1 13.4 12.1C. CAPITAL ADEQUACY1. Capital / Total Deposit 4.5 5.5 5.8 -4.4 -7.6 -6.1 -1.2 -1.7 1.02. Capital / Total Credit 7.5 9.0 9.5 -7.3 -10.8 -10.0 -1.8 -2.4 -1.43. Capital / Total Assets 3.3 3.7 3.9 -3.0 -4.7 -4.1 -0.8 -1.1 -0.74. Capital Fund / Risk weighted Assets -5.49 -9.88 -12.04 -9.07 -6.33 -5.3 -0.07 -2.83 1.47

Table No.4SOME RATIOS OF COMMERCIAL BANKS & ADB/N

20082007 Mid-July MID-Jan

4

(Rs. in million)

Capital Fund

Capital Fund to Risk

Weighted Assets ( In

%)

Capital Fund

Capital Fund to

Risk Weighted Assets ( In

%)

Capital Fund



%)

Capital Fund



%)

Capital Fund



%)

Capital Fund

Capital Fund to

Risk Weighted Assets (

In %)

Capital Fund

Capital Fund to

Risk Weighted Assets (

In %)1. Nepal Bank Limited -9449.14 -28.25 -8806.67 -24.97 -7514.785 -19.54 -5008.4 -29.67 -6082.40 -30.57 -7114.00 -39.40 -6229.90 -30.462. Rastriya Banijya Bank -21998.92 -44.28 -21009.57 -42.12 -20288.801 -40.54 -17865.29 -50.30 -16676.60 -44.24 -17685.80 -52.85 -16904.70 -40.153. NABIL Bank Limited 1455.09 13.05 1609.42 13.56 1766.072 12.44 2567.79 15.08 2826.60 12.61 2438.50 13.16 2714.40 11.164. Nepal Investment Bank Limited 698.24 8.85 1099.38 11.18 1579.2125 11.58 2246.1 12.36 2911.00 13.36 2348.80 11.32 3145.30 11.045. Standard Chartered Bank Nepal Limited. 1464.85 14.21 1560.16 15.99 1664.361 16.36 2344.6 19.13 2553.30 18.44 2199.30 16.93 2676.30 17.566. Himalayan Bank Limited 1604.21 11.03 1790.57 10.62 2034.008 11.10 2588.9 13.10 2787.00 12.81 2535.50 11.59 2857.30 10.797. Nepal SBI Bank Limited 686.28 13.78 671.41 10.25 744.875 9.47 1348.08 15.01 1711.80 15.50 1467.90 14.08 1658.20 13.038. Nepal Bangladesh Bank Limited 843.26 8.11 743.80 5.61 386.644 3.02 835.76 6.70 -1038.20 -8.68 -958.30 -7.55 -2638.40 -20.719. Everest Bank Limited 703.74 12.33 766.88 11.07 1247.562 13.57 1414.79 12.86 1729.18 11.31 1539.00 11.64 2303.70 12.5310. Bank of Kathmandu Limited 658.31 12.05 704.86 11.18 777.45 11.22 1216.7 15.71 1397.70 13.62 1321.70 15.27 1439.70 11.6711. Nepal Credit and Commerce Bank Limited 269.65 6.51 223.23 3.42 404.793 5.51 383.77 5.22 -477.50 -7.66 278.70 3.97 341.90 5.3012. Lumbini Bank Limited 361.77 11.37 337.08 8.71 274.13 6.35 -648.2 -13.29 -396.50 -7.04 -446.80 -7.75 9.50 0.1513. Nepal Industrial & Commercial Bank Limited 594.51 18.87 656.36 13.75 730.985 13.29 1037.5 13.62 1217.24 12.29 1077.50 12.04 1344.50 11.5414. Machhapuchhre Bank Limited 517.87 24.75 579.38 17.82 688.843 11.36 987.9 12.98 1099.50 11.12 1098.80 12.36 1149.20 11.5015. Kumari Bank Limited 390.91 15.46 570.15 12.81 701.503 11.15 961.65 12.64 1132.60 11.39 1018.60 11.11 1268.30 10.3016. Laxmi Bank Limited 334.58 38.56 574.56 29.13 639.438 20.72 695.4 14.18 911.60 12.21 743.20 12.40 1009.10 10.2217. Siddhartha Bank Limited 355.01 41.85 383.29 19.36 413.425 13.93 641 14.83 874.98 12.17 667.10 11.44 950.60 9.9518. Global Bank Ltd 512.00 16.63 508.70 387.70 729.60 14.4019. Agriculture Development Bank Ltd. 2818.50 6.49 -478.30 -1.18 4510.20 9.3920. Citizens Bank International Ltd. 605.50 12.7121. Prime Commercial Bank Ltd. 719.80 22.5822. Sun Rise BANK Ltd. 697.40 40.2023. Bank of Asia Ltd. 709.90 17.75

Total -20509.78 -12.04 -17545.71 -9.07 -13750.285 -6.33 -4251.95 -5.30 -188.2 -0.07 -7439.9 -2.83 5067.4 1.47

Table No. 5Capital Fund to Risk Weighted Assets of Commercial Banks

Mid-July 2007Mid-July 2006

Banks

Mid-July 2003 Mid-July 2004 Mid-July 2005 Mid-Janaury 2007 Mid-January 2008

5

(Rs. in million)

Total Gross Loan

NPL

NPL to Total Gross Loan (In%)

Total Gross Loan

NPL


Total Gross Loan

NPL


Total Gross Loan

NPL


Total Gross Loan

NPL


Total Gross Loan

NPL


Total Gross Loan NPL


1. Nepal Bank Limited 18132.33 10964.91 60.47 17937.66 9640.08 53.74 16866.50 8372.00 49.64 12441.59 2262.18 18.18 13756.60 1856.00 13.49 12754.40 2252.10 17.66 16001.10 2243.10 14.022. Rastriya Banijya Bank 26608.83 16005.32 60.15 25105.68 14470.52 57.64 27000.90 13689.30 50.70 23246.50 8622.20 37.09 24871.36 6876.50 27.65 22896.00 11548.80 50.44 25126.80 6792.20 27.033. NABIL Bank Limited 8113.68 449.63 5.54 8548.66 286.68 3.35 10946.74 144.51 1.32 13278.78 182.60 1.38 15903.00 178.30 1.12 15154.30 249.10 1.64 19973.70 215.80 1.084. Nepal Investment Bank Limited 5921.79 117.09 1.98 7338.57 181.44 2.47 10453.16 280.87 2.69 13171.54 272.49 2.07 17769.00 421.97 2.37 16160.90 304.00 1.88 22175.60 375.60 1.695. Standard Chartered Bank Nepal Limited. 6000.16 247.95 4.13 6693.86 252.20 3.77 8420.87 226.31 2.69 9206.28 195.90 2.13 10790.10 197.10 1.83 9775.80 188.50 1.93 12093.90 178.70 1.486. Himalayan Bank Limited 10844.60 1092.84 10.08 12919.63 1147.46 8.88 13451.17 1001.35 7.44 15761.97 1040.75 6.60 17793.70 641.60 3.61 17301.90 890.20 5.15 20777.00 656.90 3.167. Nepal SBI Bank Limited 4795.84 426.90 8.90 5531.83 345.82 6.25 6739.35 441.02 6.54 8241.45 505.30 6.13 10065.00 45.80 4.56 9298.90 508.00 5.16 11795.10 512.00 4.348. Nepal Bangladesh Bank Limited 7961.51 1013.28 12.73 9644.70 1042.18 10.81 9626.91 1832.94 19.04 9796.38 2927.00 29.88 9169.40 3645.90 39.76 9796.60 3410.80 34.82 9890.70 3829.30 38.729. Everest Bank Limited 5049.58 111.19 2.20 6095.84 104.76 1.72 7900.09 128.81 1.63 10136.25 129.20 1.27 14082.68 113.17 0.80 11783.70 122.20 1.04 16968.70 109.20 0.6410. Bank of Kathmandu Limited 4856.03 420.87 8.67 6008.31 399.94 6.66 6182.05 308.51 4.99 7488.70 203.60 2.72 9694.00 243.29 2.51 8437.00 245.70 2.91 11835.30 288.80 2.4411. Nepal Credit and Commerce Bank Limited 3396.41 700.83 20.63 4717.30 600.05 12.72 6011.90 519.26 8.64 5899.16 1289.90 21.87 5122.20 1606.87 31.37 5836.90 1004.30 17.21 5274.20 1362.00 25.8212. Lumbini Bank Limited 2622.36 306.77 11.70 3222.75 237.30 7.36 3685.13 561.13 15.23 4321.58 1339.20 30.99 4944.60 1007.00 20.37 5081.40 1063.80 20.94 5502.60 821.80 14.9313. Nepal Industrial & Commercial Bank Limited 2562.86 170.69 6.66 3743.09 146.59 3.92 4909.36 185.43 3.78 6902.10 179.55 2.60 9128.70 1001.10 1.11 8035.90 275.50 3.43 10682.50 89.20 0.8414. Machhapuchhre Bank Limited 1495.86 31.10 2.08 2540.79 24.98 0.98 5130.22 19.86 0.39 6146.57 16.92 0.28 7319.90 85.16 1.16 7297.90 45.00 0.62 8186.00 137.00 1.6715. Kumari Bank Limited 2137.59 36.32 1.70 3697.99 28.19 0.76 5681.01 53.99 0.95 7007.78 64.35 0.92 9062.50 66.20 0.73 8425.70 131.50 1.56 11391.20 96.60 0.8516. Laxmi Bank Limited 775.94 0.00 0.00 1750.93 0.00 0.00 2726.14 44.49 1.63 4279.80 33.50 0.78 6529.20 23.10 0.35 5356.00 29.20 0.55 8363.60 24.70 0.3017. Siddhartha Bank Limited 629.03 0.00 0.00 1567.83 25.22 1.61 2634.93 67.93 2.58 3869.27 33.57 0.87 6319.90 21.50 0.34 4811.70 52.20 1.08 8030.00 25.60 0.3218. Global Bank Ltd 2601.70 0.00 0.00 0.00 0.00 3905.40 0.00 0.0019. Agriculture Development Bank Ltd. 33310.75 6858.99 20.59 34440.37 6185.29 17.96 33269.10 7446.50 22.38 35522.60 6601.50 18.5820. Citizens Bank International Ltd.* 4087.3021. Prime Commercial Bank Ltd. 2839.6022. Sun Rise BANK Ltd. 1056.9023. Bank of Asia Ltd. 900.40

Total 111904.40 32095.69 28.68 127065.40 28933.41 22.77 148366.43 27877.70 18.79 194506.45 26157.20 13.45 229363.91 24215.85 10.56 211474.10 29767.40 14.08 272380.20 24360.00 8.94* Data not available.

Banks

Mid-Janaury 2007

Table No. 6Non Performing Loan Status of Commercial Banks

2005 20082006Mid-July

2003 2004 2007

6

(Rs. in million)

2001 2002 2003 2004 2005 2006 2007 2007 20081 CAPITAL FUND 1125.7 1349.5 1449.1 1064.3 -10347.5 -10066.5 1820.6 1543.5 1906.5 a. Paid-up Capital 380.4 380.4 380.4 380.4 380.4 380.4 380.4 380.4 380.4 b. General Reserve 544.6 544.6 557.2 557.2 699.3 1045.3 1286.8 1045.3 1332.2

c. Share Premium 0 0 0.0 0.0d. Retained Earning -11672.7 -11672.7 0.0 0.0e. Others Reserves 200.7 424.6 511.5 126.7 127.4 180.5 127.7 92.1 168.2F. Exchange FluctuationFund 118.1 0 25.7 25.7 25.7

2 BORROWINGS 266.2 215.0 52.4 0.0 1124.85 1717.4 1604.9 1681.5 1610.4 a. NRB 264.8 213.7 52.4 0.0 1124.46 1717.4 1604.9 1681.5 1610.4

b. "A"Class Licensed Institution 1.4 1.4 0.0 0.0 0.34 0 0 0.0 0.0c. Foreign Banks and Fin. Ins. 0.0 0.0 0.0 0.0 0 0 0 0.0 0.0d. Other Financial Ins. 0.05 0 0 0.0 0.0e. Bonds and Securities 0.0

3 DEPOSITS 35528.6 34060.1 34737.4 36288.5 34744.2 35444.9 38715.2 36223.3 39840.72a. Current 5000.7 4311.7 4689.5 6300.0 5714.43 6030.5 6761.5 5626.6 6823.8 Domestic 5522.66 5873.6 6605.7 5481.4 6630.9 Foreign 191.77 156.9 155.8 145.2 192.9b. Savings 20281.6 19851.5 21534.5 22063.0 22671.8 23547.9 26425.4 24277.5 27608.2 Domestic 22665.5 23538.9 26412.9 24265.7 27592.7 Foreign 6.26 9 12.5 11.8 15.5c. Fixed 9921.8 9731.8 8396.9 7481.0 6269.26 5790.9 5393.2 6257.3 5325.4 Domestic 6263.32 5784.5 5387.6 6251.1 5319.9 Foreign 5.945 6.4 5.6 6.2 5.5d. Call Deposits 0.0 7.8 12.4 270.0 2.75 0 0.0e. Others 324.5 157.4 104.1 174.5 85.97 75.6 135.1 61.9 83.4

4 Bills Payable 169.2 76.1 92.4 95.1 62.85 Other Liabilities 13947.3 28191.9 30090.6 26711.0 36401 23575.4 10265.5 9412.3 10695.36

1. Sundry Creditors 814.477 1641.5 2362 2157.9 2178.0 2. Loan Loss Provision 9249.89 3269.6 2376.3 2256.1 2763.0 3. Interest Suspense a/c 13629.7 6456.8 5090.4 4367.0 5344.7 4. Others 13947.3 28191.9 30090.6 26711.0 12707 12207.5 436.8 631.3 409.6

6 Reconcillation A/c 1767.96 1056 3085.8 2928.7 1973.37 Profit & Loss A/c

50867.7 63816.6 66329.5 64063.8 63859.7 51803.3 55584.4 51884.4 56089.01 LIQUID FUNDS 8050.5 8063.8 4770.6 6444.0 5886.2 5517.4 7003.6 4671.2 5267.592

a. Cash Balance 1784.8 1648.9 1420.9 969.4 1020.7 1116.5 1084.9 915.2 959.0 Nepalese Notes & Coins 1479.4 1409.9 1198.1 885.9 942.5 1048.4 1012.9 834.6 886.8 Foreign Currency 305.4 239.0 222.8 83.5 78.2 68.1 72.0 80.6 72.2b. Bank Balance 6265.7 6410.9 3349.7 4452.6 4315.5 4400.9 5918.7 3756.0 3808.7 1. In Nepal Rastra Bank 3050.4 3307.4 2524.1 3783.5 3793.6 3702.9 5112.8 3224.0 3136.4 Domestic Currency 2626.6 3702.2 5125.8 3224.6 3125.3 Foreign Currency 1167 0.7 -13 -0.6 11.2 2. "A"Class Licensed Institution 328.1 244.0 84.8 129.1 183.8 291.8 327.6 226.8 177.2 Domestic Currency 183.8 291.8 320 226.8 177.2 Foreign Currency 0 0 7.6 0.0 3. Other Financial Ins. 0 0 0.0 4. In Foreign banks 2887.2 2859.5 740.8 540.0 338.1 406.2 478.3 305.2 495.1c.Money at Call 0.0 4.1 0.0 1022.0 550 0 0 0.0 499.9 Domestic Currency 550 0 0.0 499.9 Foreign Currency 0.0

2 INVESTMENTS 6720.0 7115.2 11722.8 10593.8 13838.6 11776.9 13226.3 12316.2 12216.4a. Govt.Securities 6720.0 7115.2 11722.8 10593.8 11278 11776.9 13226.3 12316.2 12216.4b. NRB Bond 0 0 0 0.0 0.0c. Govt.Non-Fin. Ins. 0 0 0 0.0 0.0d. Other Non-Fin Ins. 0 0 0 0.0 0.0e Non Residents 2560.6 0 0 0.0 0.0

3 SHARE & OTHER INVESTMENT 56.3 37.6 59.8 429.9 51.2 2644.5 3057.0 2177.4 2843.6 1. Non Residents 0 2597.2 2045.5 2115.9 2146.0 2.Others 51.2 47.3 1011.5 61.5 697.6

4 LOANS & ADVANCES 21728.8 20755.6 19078.1 19108.0 17456.0 12180.4 13377.5 12660.8 15410.1a. Government Organization 597.8 652.2 743.0 491.3 572.3 765.5 742.7 631.2 795.8b. Pvt. Sector 21131.0 20103.4 18335.1 18616.7 16884 11415 12424 11819.9 14339.3c. Financial Institutions 211 209.7 275.0

5 BILL PURCHED 234.2 139.2 88.4 33.7 1073.3 610.7 373.1 17 591 a. Domestic Bills Purchased 22.6 1.6 0.3 2.4 b. Foreign Bills Purchased 234.2 139.2 88.4 33.7 21.2 15.3 6.8 16.7 6.7 c. Import Bills & Imports 1029.5 593.8 366.3 581.9

6 LOANS AGAINST COLLECTED BILLS 99.3 102.7 99.6 0.0 1.3 0.0 0.0 0.0 0.0 a. Against Domestic Bills 1.3 0.0 0.0 0.0 b. Against Foreign Bills 99.3 102.7 99.6 0.0


a. Accrued Interests 6958.2 8793.0 9772.9 11498.8 12950.6 6456.0 4146.0 4367.1 5344.8 Govt. Entp. 101.9 132.1 195.1 141.0 161.9 128.3 306.8 7.6 252.0 Private Sector 6856.3 8660.9 9577.8 11357.8 12788.7 6327.7 3839.2 4359.5 5092.8 b. Staff Loans / Adv. 1314.2 1251.2 1314.9 1345.9 c. Sundry Debtors 322.4 254.9 293.2 454.7 232.9 d. Cash In Transit 147.1 513.6 372.6 1473.3 e. Others 7020.4 18809.5 20737.3 15955.6 2311.4 1966.2 3243.5 1812.8 1850.5

9 Expenses not Written off 122.3 128 91.6 128.9 90.110 Non Banking Assets 169.3 798.2 838.5 857.0 809.111 Reconcillation Account 388.4 737.4 615.9 1799.8 279.112 Profit & Loss A/c 8932.7 6694.3 7877.3 8713.7 8108.0

50867.7 63816.6 66329.5 64063.8 63859.7 51803.3 55584.4 51884.4 56089.0

SOURCES AND USES OF FUND OF NEPAL BANK LIMITEDTable No. 7

SOURCES OF FUNDS

USES OF FUNDS

Mid-July Mid-Jan

7

(Rs. in million)

2001 2002 2003 2004 2005 2006 2007 2007 20081 CAPITAL FUND 1506.7 1538.2 1557.5 -23839.8 -21437.9 -20282.5 -18385.1 -18725.0 -17196.4 a. Paid-up Capital 1172.3 1172.3 1172.3 1172.3 1172.3 1172.3 1172.3 1172.3 1172.3 b. General Reserve 68.2 68.2 68.2 369.2 276.2 540.8 1195.4 877.4 1198.5

c. Share Premium 0 0 0 0 0d. Retained Earning -25607.0 -23032.3 -22085.0 -20826.9 -20864.1 -19641.3e. Others Reserves 266.2 297.7 317.0 225.7 5.5 5.5 5.5 83.9 5.5F. Exchange FluctuationFund 140.4 83.9 68.6 5.5 68.6

2 BORROWINGS 146.9 156.1 161.9 338.0 3215.7 4351.5 2213.1 2316.5 2559 a. NRB 146.9 156.1 161.9 338.0 3215.7 1646 149.5 122.8 310.3

b. "A"Class Licensed Institution 0.0 0.0 0.0 0.0 0 440 150c. Foreign Banks and Fin. Ins. 0.0 0.0 0.0 0.0 0 2265.5 2063.6 2193.7 2098.7d. Other Financial Ins. 0.0 0.0 0.0 0.0 0 0 0 0e. Bonds and Securities 0 0 0

3 DEPOSITS 40500.4 38964.6 39308.6 40313.6 43489.2 45700.7 50192.6 47713 53747.7a. Current 4864.0 4639.7 4687.9 5227.5 6419.8 7891.2 10084.7 8451 10503 Domestic 6341.1 7872.8 9946 8422.7 10473.3 Foreign 78.7 18.4 138.7 28.3 29.7b. Savings 18822.1 18997.2 20861.2 23288.9 26848.2 29494.9 32909.4 31419.6 36357.2 Domestic 25690 29480.3 32847.4 31375.9 36276.1 Foreign 1158.2 14.6 62 43.7 81.1c. Fixed 16477.2 15166.6 13579.5 11572.8 9001.5 8103.8 6997.5 7627.9 6739.2 Domestic 8712.2 8099.9 6698.6 7454.8 6164.3 Foreign 289.3 3.9 298.9 173.1 574.9d. Call Deposits 0.8 6.7 2.2 134.6 1034.9 45 6.6 29.3 0e. Others 336.3 154.4 177.8 89.8 184.8 165.8 194.4 185.2 148.3

4 Bills Payable 38.3 40.8 62.6 176.1 107.55 Other Liabilities 31490.7 35459.2 41070.3 64012.7 40601.2 42099.9 29501 30947.1 30510.3

1. Sundry Creditors 575.2 602.7 663.9 952 1000.5 2. Loan Loss Provision 15214.4 13593.1 8967.5 8906.4 8866.7 3. Interest Suspense a/c 21558.6 24786.8 19059.7 17785.3 19769.5 4. Others 31490.7 35459.2 41070.3 64012.7 3253 3117.3 809.9 3303.4 873.6

6 Reconcillation A/c 11299.2 7227 6680 10308.9 7786.97 Profit & Loss A/c 388.4 1949.7 1777.1 620.9 360.3

73644.7 76118.1 82098.3 80824.5 77594.1 81087.1 72041.3 73357.5 77875.31 LIQUID FUNDS 14559.8 15089.9 8158.8 10704.1 6714.9 7495.5 5707.9 8546.3 6372.6

a. Cash Balance 899.6 853.8 1016.4 840.4 1027.1 1086.6 1431.2 1018 1406.6 Nepalese Notes & Coins 736.1 725.0 884.6 738.4 919.8 1006.5 1339.2 915.0 1297.6 Foreign Currency 163.5 128.8 131.8 102.0 107.3 80.1 92.0 103.0 109.0b. Bank Balance 13660.2 14236.1 7142.4 9763.7 5687.8 6408.9 4256.7 7528.3 4965.7 1. In Nepal Rastra Bank 11881.8 13077.4 5917.5 8845.8 4788.2 5959.7 3749.7 7061.9 4380.5 Domestic Currency 4788.2 5959.7 3749.7 7061.9 4380.5 Foreign Currency 0 0 0 2. "A"Class Licensed Institution -36.0 -43.7 6.8 709.9 105.2 109.2 84 94.7 163.4 Domestic Currency 107.7 109.2 84 94.7 162.9 Foreign Currency -2.5 0 0 0 0.5 3. Other Financial Ins. 0 0 0 0 0 4. In Foreign banks 1814.4 1202.4 1218.1 208.0 794.4 340 423 371.7 421.8c.Money at Call 0.0 0.0 0.0 100.0 0 0 20 0 0.3 Domestic Currency 0 0 20 0 0 Foreign Currency 0 0 0 0 0.3

2 INVESTMENTS 5576.3 4088.5 4137.1 2918.9 6494.8 9025.7 10129.2 9012.5 10352.3a. Govt.Securities 5576.3 4088.5 4137.1 2918.9 6494.8 9025.7 10129.2 9012.5 10352.3b. NRB Bond 0 0 0 0 0c. Govt.Non-Fin. Ins. 0 0 0 0 0d. Other Non-Fin Ins. 0 0 0 0 0e Non Residents 0 0 0 0 0

3 SHARE & OTHER INVESTMENT 80.6 82.1 95.8 223.1 2058.1 2753.2 2693.0 2094.9 4540.4 1. Non Residents 0 2445.8 0 0.8 0 2.Others 2058.1 307.4 2693 2094.1 4540.4

4 LOANS & ADVANCES 28081.2 28183.5 27969.6 26514.4 28614.0 26863.8 25214.8 24408.5 24987.5a. Govt. Entp. 634.7 561.0 566.1 302.9 323 1606 1125 1599 1072b. Pvt. Sector 27446.5 27622.5 27403.5 26211.5 28291 25258 23272 20451 22910c. Financial Institutions 818 2358 1005

5 BILL PURCHED 327.7 316.6 276.8 267.3 305.8 300.9 207.5 287.3 139.3 a. Domestic Bills Purchased 19.2 28 87.4 30.2 18.7 b. Foreign Bills Purchased 327.7 316.6 276.8 267.3 286.6 272.9 120.1 257.1 120.6 c. Import Bills & Imports 0.0 0.0 0.0 0.0

6 LOANS AGAINST COLLECTED B 15.8 15.9 12.5 0.0 0.0 0.2 0.0 0.2 0.0 a. Against Domestic Bills 0.2 0.2 0.0 b. Against Foreign Bills 15.8 15.9 12.5 0.0 0.0



9 Expenses not Written off 0 0 5.4 10.110 Non Banking Assets 273.2 403 316.2 434.6 304.111 Reconcillation Account 7164.1 3607 1394.9 2530.8 3812 Profit & Loss A/c

73644.7 76118.1 82098.3 80824.5 77594.1 81087.1 72041.3 73357.5 77875.3USES OF FUNDS

Mid-July Mid-Jan

Table No. 8SOURCES AND USES OF FUND OF RASTRIYA BANIJYA BANK

SOURCES OF FUNDS

8

(Rs. in million)

2001 2002 2003 2004 2005 2006 2007 2007 20081 CAPITAL FUND 1046.9 1062.8 1146.4 1804.2 1482.4 1657.7 1874.8 1874.8 2058.0 a. Paid-up Capital 849.1 491.7 491.7 491.7 491.7 491.7 491.7 491.7 689.2 b. General Reserve 0.0 514.5 568.8 652.0 743.2 847 975 975 983.5

c. Share Premium 0.7 0.1 0.1 0.1 0.074d. Retained Earning 26.2 2.1 26.1 29.8 30.0 33.4 33.4 113.4e. Others Reserves 197.8 30.4 83.8 634.4 183.1 251.1 330.4 44.2 216.078F. Exchange FluctuationFund 33.9 37.8 44.2 330.4 55.7

2 BORROWINGS 0.0 280.0 961.5 229.7 17.1 173.2 882.6 1019.9 2907.4 a. NRB 0.0 0.0 611.5 0.0 0 0 600 720 1160

b. "A"Class Licensed Institution 0.0 280.0 350.0 229.7 17.1 173.2 282.6 299.9 1554c. Foreign Bank and Fin.Ins. 0.0 0.0 0.0 0.0 0 0 0 0 193.4d.Other Financial Ins. 0.0 0.0 0.0 0.0 0 0 0 0 0e. Bonds and Securities 0 0 0 0

3 DEPOSITS 15838.9 15370.6 13437.7 14098.0 14586.8 19348.4 23342.4 22082.5 26814.27a. Current 2957.1 2723.0 3025.0 2687.0 2843.5 2953.3 3446.1 3098.5 4044.9 Domestic 2046.1 2326.5 2603.3 2343.5 2884.212 Foreign 797.4 626.8 842.8 755 1160.688b. Savings 4917.1 4889.0 5237.4 5994.1 7026.4 8770.8 10187.4 9559.5 10965.02 Domestic 6114.6 7757 9103.6 8554.8 10029.21 Foreign 911.8 1013.8 1083.8 1004.7 935.808c. Fixed 3719.2 2446.8 2252.6 2310.6 2078.6 3450.2 5435.2 5059.5 5424.614 Domestic 1012.9 1105.1 2892.4 2538.2 3010.762 Foreign 1065.7 2345.1 2542.8 2521.3 2413.852d. Call Deposits 3948.3 4944.7 2540.7 2801.6 2341.3 3851.2 3961.6 4062.5 5994.979e. Others 297.2 367.1 382.0 304.7 297 322.9 312.1 302.5 384.759

4 Bills Payable 71.3 113.8 94.2 213 91.4125 Other Liabilities 2568.6 2932.4 2730.3 2102.4 1639.4 1862.4 2780.8 2547.4 1719.67

1. Sundry Creditors 176.9 216.9 478 416.9 431.611 2. Loan Loss Provision 392 352.9 356.3 358.7 392.864 3. Interest Suspense a/c 166.6 145 112.2 122.3 143.052 4. Others 2568.6 2932.4 2730.3 2102.4 903.9 1147.6 1834.3 1649.5 752.143

6 Reconcillation A/c 0 0 0 07 Profit & Loss A/c 817.9 979.1 685.6 329 553.812

19454.4 19645.7 18275.9 18234.3 18614.9 24134.6 29660.4 28066.6 34144.51 LIQUID FUNDS 6284.9 4999.3 4162.1 3916.9 1345.2 2365.2 1963.1 2353.2 2234.077

a. Cash Balance 208.2 318.1 190.6 286.9 146.3 237.8 270.4 195.8 334.879 Nepalese Notes & Coins 182.3 285.4 157.6 263.2 132.4 220.1 243.1 171.5 308.6 Foreign Currency 25.9 32.7 33.0 23.7 13.9 17.7 27.3 24.3 26.3b. Bank Balance 602.6 593.8 957.1 682.5 413.2 392.5 1129.2 1736.9 1214.627 1. In Nepal Rastra Bank 510.2 366.3 892.8 606.4 107.3 318.4 1113.2 1644.8 1307.298 Domestic Currency 85.7 299.1 1100.8 1622.4 1294.384 Foreign Currency 21.6 19.3 12.4 22.4 12.914 2. "A"Class Licensed Institution 4.8 24.0 16.2 37.8 26.2 26.9 31.5 14.4 25.531 Domestic Currency 26.2 26.9 31.5 14.4 25.531 Foreign Currency 0 0 0 0 3. Other Financial Ins. 0.0 0 0 0 0 4. In Foreign banks 87.6 203.5 48.1 38.3 279.7 47.2 -15.5 77.7 -118.202c.Money at Call 5474.1 4087.4 3014.4 2947.5 785.7 1734.9 563.5 420.5 684.571 Domestic Currency 102.5 670 100 0 205.062 Foreign Currency 683.2 1064.9 463.5 420.5 479.509

2 INVESTMENTS 2732.9 4120.3 3663.5 3672.6 2826.8 2372.3 5359.2 3688.9 4884.7a. Govt.Securities 2732.9 4120.3 3663.5 3672.6 2413.9 2297.9 4805.7 3439.2 4884.7b. NRB Bond 0 0 0c. Govt.Non-Fin. Ins. 0 0 0 0 0d. Other Non-Fin Ins. 0 0 0 0 0e Non Residents 412.9 74.4 553.5 249.7 0



5 BILL PURCHED 264.5 256.2 256.9 117.5 144.7 218.1 221.2 189.3 268.2 a. Domestic Bills Purchased 77.2 66.7 63 95.3 106 b. Foreign Bills Purchased 264.5 256.2 256.9 117.5 68 151 158 94 162 c. Import Bills & Imports 0.0 0.0 0.0 0.0 0.0

6 LOANS AGAINST COLLECTED BILLS 0.0 0.0 14.0 17.1 137.6 39.4 24.7 43.2 0.0 a. Against Domestic Bills 20.4 21.0 0.0 34.9 0.0 b. Against Foreign Bills 0.0 0.0 14.0 17.1 117.2 18.4 24.7 8.3


a. Accrued Interests 369.5 377.3 241.2 212.7 185.0 288.1 220.0 227.8 313.6 Govt. Entp. 0.0 3.6 3.6 0.0 0.0 0.6 4.1 Private Sector 369.5 373.7 237.6 212.7 185.0 287.5 220.0 227.8 309.5 b. Staff Loans / Adv. 286.7 335.2 293.0 372.3 c. Sundry Debtors 126.6 148.7 374.6 255.8 40.9 d. Cash In Transit 0.1 0.0 0.0 e. Others 1609.7 1738.9 1917.0 1637.9 883.3 1273.2 1623.2 1454.9 724.7

9 Expenses not Written off 0 0 0 0 010 Non Banking Assets 0 0 0 0 011 Reconcillation Account 0 0 0 0 012 Profit & Loss A/c 0 0 0 0 0

19454.4 19645.7 18275.9 18234.3 18614.9 24134.6 29660.4 28066.6 34144.5

Mid-Jan

Table No. 9SOURCES AND USES OF FUND OF NABIL BANK LTD.

USES OF FUNDS

SOURCES OF FUNDS

Mid-July

9

(Rs. in million)

2001 2002 2003 2004 2005 2006 2007 2007 20081 CAPITAL FUND 407.1 419.9 557.1 740.7 1234.5 1158.1 1370.8 1370.8 1757.7 a. Paid-up Capital 135.3 170.0 295.3 295.3 587.7 590.6 801.4 801.4 1002.6 b. General Reserve 222.5 233.8 245.2 268.7 299.3 345.7 415.8 415.8 516.1

c. Share Premium 0 0 0 0 0d. Retained Earning 49.9 0.0 0.0 0.0 0.0 0.0e. Others Reserves 49.3 16.1 16.6 126.8 329.6 203.5 131.5 131.5 213.1F. Exchange FluctuationFund 17.9 18.3 22.1 22.1 25.9

2 BORROWINGS 120.0 98.5 6.8 61.5 50 550 800 550 950 a. NRB 0.0 98.5 6.8 61.5 50 0 0 0 0

b. "A"Class Licensed Institution 120.0 0.0 0.0 0.0 0 0 0 150c. Foreign Bank and Fin.Ins. 0.0 0.0 0.0 0.0 0 0 0 0 0d.Other Financial Ins. 0.0 0.0 0.0 0 0 0 0 0e. Bonds and Securities 550 800 550 800

3 DEPOSITS 4256.2 4174.8 7922.8 11706.3 14254.8 18927.3 24488.9 21591.2 29243.5a. Current 769.0 787.5 979.0 1625.1 1583.2 1705.6 2175.1 2126.1 3511.5 Domestic 1233.7 1307 1749.6 1614.8 2366.8 Foreign 349.5 398.6 425.5 511.3 1144.7b. Savings 1259.6 1276.7 2433.9 4922.0 6703.5 8082 10742.2 9668.9 12318.5 Domestic 6352.2 7695.5 10262.6 9229.7 11816.4 Foreign 351.3 386.5 479.6 439.2 502.1c. Fixed 1658.7 945.9 1672.8 2294.7 3212.4 5413 7516.8 5688.3 8981.3 Domestic 2242.2 3293.4 5265.6 3774.1 7074.7 Foreign 970.2 2119.6 2251.2 1914.2 1906.6d. Call Deposits 502.5 1052.0 2610.6 2576.6 2469.7 3448.2 3683.1 3752.7 4056.5e. Others 66.4 112.7 226.5 287.9 286 278.5 371.7 355.2 375.7

4 Bills Payable 14.3 18.8 32.4 12.7 71.56 Other Liabilities 750.2 694.6 615.7 1056.8 804 943 1308.2 1127.7 1552.4

1. Sundry Creditors 114.5 192.8 223.4 201 259.2 2. Loan Loss Provision 256.2 374.3 442.7 443.7 515.8 3. Interest Suspense a/c 54.1 78 90.5 137.9 106.6 4. Others 750.2 694.6 615.7 1056.8 379.2 297.9 551.6 345.1 670.8

7 Reconcillation A/c 0 0 10.8 4 28 Profit & Loss A/c 280.3 410 561.7 271.2 423.7

5533.5 5387.8 9102.4 13565.3 16637.9 22007.2 28572.8 24927.6 34000.81 LIQUID FUNDS 446.7 1899.1 926.4 1215.2 1340.4 2354.9 2791.5 1978.2 2184.9

a. Cash Balance 71.5 61.5 200.9 315.4 374.2 562.5 764 513.5 672.7 Nepalese Notes & Coins 62.9 50.8 178.6 288.0 350.4 542.0 736.9 488.2 640.6 Foreign Currency 8.6 10.7 22.3 27.4 23.8 20.5 27.1 25.3 32.1b. Bank Balance 375.2 1837.6 725.5 899.8 966.2 1792.4 1677.5 1262.6 1212.2 1. In Nepal Rastra Bank 212.3 166.3 450.4 533.9 780.2 1526.1 1381.3 1023.5 981.1 Domestic Currency 739.1 1506.3 1357.6 1019.5 932.4 Foreign Currency 41.1 19.8 23.7 4 48.7 2. "A"Class Licensed Institution 3.8 2.8 3.5 85.8 15.6 25.7 20.8 16.5 52.7 Domestic Currency 15.3 21.1 19.2 9.8 49.8 Foreign Currency 0.3 4.6 1.6 6.7 2.9 3. Other Financial Ins. 0 0 0 0 0 4. In Foreign banks 159.1 1668.5 271.6 280.1 170.4 240.6 275.4 222.6 178.4c.Money at Call 0.0 0.0 0.0 0.0 0 0 350 202.1 300 Domestic Currency 350 202.1 300 Foreign Currency 0

2 INVESTMENTS 300.0 224.4 400.0 2001.1 1948.5 2522.3 3256.4 3070.0 4101.4a. Govt.Securities 300.0 224.4 400.0 2001.1 1948.5 2522.3 3256.4 3070 4101.4b. NRB Bond 0c. Govt.Non-Fin. Ins. 0d. Other Non-Fin Ins. 0e Non Residents 0



5 BILL PURCHED 45.8 22.7 76.6 115.8 195.0 164.3 287.1 367.9 359.1 a. Domestic Bills Purchased 30.4 49.3 144.7 125.4 194.3 b. Foreign Bills Purchased 45.8 22.7 76.6 115.8 70.1 0 0 c. Import Bills & Imports 94.5 115.0 142.4 242.5 164.8

6 LOANS AGAINST COLLECTED BILLS 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 a. Against Domestic Bills b. Against Foreign Bills


a. Accrued Interests 120.6 79.3 110.6 112.0 131.2 158.1 174.7 181.9 202.5 Govt. Entp. 0.0 0.6 0.6 1.0 0.0 0.1 0.0 0.3 Private Sector 120.6 78.7 110.0 111.0 131.2 158.1 174.6 181.9 202.2 b. Staff Loans / Adv. 40.3 56.2 47.8 60.4 c. Sundry Debtors 61.1 64.6 97.7 96.5 89.5 d. Cash In Transit 0.0 0.0 0.0 e. Others 2222.2 431.7 370.9 775.4 200 169.5 401.1 259.1 513.9

10 Expenses not Written off 0 0 0 0 011 Non Banking Assets 4.6 2.9 4.4 2.9 3.912 Reconcillation Account 0.1 0 0 0 013 Profit & Loss A/c 0

5533.5 5387.8 9102.4 13565.3 16637.9 22007.2 28572.8 24927.6 34000.8

Mid-Jan

Table No. 10SOURCES AND USES OF FUND OF NEPAL INVESTMENT BANK LTD.

USES OF FUNDS

SOURCES OF FUNDS

Mid-July

10

(Rs. in million)


c. Share Premium 0 0 0 0d. Retained Earning 0.0 0.0 99.6 245.2 370.6 370.6 504.7e. Others Reserves 71.9 77.8 100.4 374.6 37.5 75 74.9 74.9 0F. Exchange FluctuationFund 116.8 132.2 147.2 147.2 165.2

2 BORROWINGS 1590.0 671.5 79.1 78.3 43.8 10.2 1190.9 477.2 0 a. NRB 0.0 0.0 0.0 0.0 0 0 400 477.2

b. "A"Class Licensed Institution 1590.0 671.5 28.1 64.7 16.2 10.2 6.5c. Foreign Bank and Fin.Ins. 0.0 0.0 51.0 13.6 27.6 0 784.4d.Other Financial Ins. 0.0 0.0 0.0 0 0e. Bonds and Securities

3 DEPOSITS 15430.1 15835.7 18755.5 21161.4 19344 23050.5 24640.3 24629.8 27066.9a. Current 3279.4 3808.4 5768.6 5816.9 4356.3 4681.8 4794.5 5541.2 5491 Domestic 2360.6 3071.6 2806.9 3609.8 3223.1 Foreign 1995.7 1610.2 1987.6 1931.4 2267.9b. Savings 8404.6 9441.8 10633.1 12771.8 13027.7 14597.5 15244.2 14914.2 16344.1 Domestic 10733.3 12078.9 12685.8 12666.2 13360.0 Foreign 2294.4 2518.6 2558.4 2248.0 2984.1c. Fixed 3471.7 2264.9 1948.5 1428.5 1416.4 2136.3 3196.5 2517.5 3225.2 Domestic 631.9 386.5 413.2 407.0 434.0 Foreign 784.5 1749.8 2783.3 2110.5 2791.2d. Call Deposits 0.0 101.1 185.2 941.0 294.9 1125.5 919 1345.6 1429.0e. Others 274.4 219.5 220.1 203.2 248.7 509.4 486.1 311.3 577.6

4 Bills Payable 55 55.8 36.2 55.5 46.76 Other Liabilities 3477.7 2156.1 2355.5 1691.5 1279.9 1442.5 1622.6 1380.4 1755.7

1. Sundry Creditors 116.8 192.6 259.3 277.6 273.9 2. Loan Loss Provision 277.7 270.4 287.5 275.2 281.9 3. Interest Suspense a/c 133.5 160.1 240.6 165.6 182.8 4. Others 3477.7 2156.1 2355.5 1691.5 751.9 819.4 835.2 662 1017.1

7 Reconcillation A/c 0 0 0 0 08 Profit & Loss A/c 757.9 662.5 692.1 348.2 394.8

21418.1 19675.6 22309.1 24459.1 22758.8 26797.8 29937.4 28646.4 31381.31 LIQUID FUNDS 8086.5 2890.6 3170.0 4241.8 3370.8 3253.5 3996.1 3644.7 3369.5

a. Cash Balance 187.6 257.8 198.7 187.7 195.4 279.4 378.4 239.7 296.5 Nepalese Notes & Coins 169.9 224.0 153.2 154.2 162.1 243.3 336.4 209.3 247.7 Foreign Currency 17.7 33.8 45.5 33.5 33.3 36.1 42.0 30.4 48.8b. Bank Balance 7898.9 570.8 1313.4 1835.5 915.7 996.8 1856.5 1508.6 788.4 1. In Nepal Rastra Bank 659.5 369.8 1141.1 1534.2 692.2 749.8 1613.7 1092 454.2 Domestic Currency 681 731.8 1592.3 1080.9 446.4 Foreign Currency 11.2 18 21.4 11.1 7.8 2. "A"Class Licensed Institution 1.4 16.7 112.3 165.1 15.5 18.6 28.8 217.4 239.6 Domestic Currency 15.5 18.6 28.8 36.3 31 Foreign Currency 0 0 181.1 208.6 3. Other Financial Ins. 0 0 0 0 0 4. In Foreign banks 7238.0 184.3 60.0 136.2 208 228.4 214 199.2 94.6c.Money at Call 0.0 2062.0 1657.9 2218.6 2259.7 1977.3 1761.2 1896.4 2284.6 Domestic Currency 0 Foreign Currency 2259.7 1977.3 1761.2 1896.4 2284.6

2 INVESTMENTS 4811.0 5784.8 6722.8 7948.2 7204.6 8644.9 7115.7 8681.8 7697.2a. Govt.Securities 4811.0 5784.8 6722.8 7948.2 7204.6 8644.9 7115.7 8681.8 7697.2b. NRB Bond c. Govt.Non-Fin. Ins. d. Other Non-Fin Ins.e Non Residents


4 LOANS & ADVANCES 5838.7 5675.6 6028.5 6662.0 8213.5 8905.1 10538.1 9524.0 11849.1a. Govt. Entp. 359.9 286.2 51.5 6.7 315 83 375 148 209b. Pvt. Sector 5478.8 5389.4 5977.0 6655.3 7898 8822 9596 8819 11145c. Financial Institutions 566.6 557 495

5 BILL PURCHED 85.4 112.3 52.2 67.6 313.6 301.2 251.9 251.7 244.7 a. Domestic Bills Purchased 3 4.5 2.6 2.5 2.7 b. Foreign Bills Purchased 85.4 112.3 52.2 67.6 235.9 296.7 249.3 249.2 242 c. Import Bills & Imports 74.7 0.0 0.0 0.0 0.0

6 LOANS AGAINST COLLECTED BILLS 0.0 0.0 0.0 0.0 0.0 a. Against Domestic Bills b. Against Foreign Bills


a. Accrued Interests 186.6 216.0 167.6 290.7 266.6 378.4 441.9 375.2 398.5 Govt. Entp. 0.0 0.0 2.5 0.0 14.2 0.6 0.4 0.3 Private Sector 186.6 216.0 165.1 290.7 266.6 364.2 441.3 374.8 398.2 b. Staff Loans / Adv. 122.9 146.1 122.4 154.1 c. Sundry Debtors 94.1 59.5 109.0 96.9 202.8 d. Cash In Transit 0.0 0.0 0.0 0.0 0.0 e. Others 2398.7 1505.1 2533.1 1836.7 393.4 534.6 461.3 988.3 1173.2

10 Expenses not Written off 8.3 1.3 1.6 011 Non Banking Assets 0 0 0 012 Reconcillation Account 0 0 0 013 Profit & Loss A/c 0 0 0 0

21418.1 19675.6 22309.1 24459.1 22758.8 26797.8 29937.4 28646.4 31381.3

Mid-Jan

Table No. 11SOURCES AND USES OF FUND OF STANDARD CHARTERED BANK NEPAL LTD.

USES OF FUNDS

SOURCES OF FUNDS

Mid-July

11

(Rs. in million)


c. Share Premium 0 0 0 0 0d. Retained Earning 0.0 68.9 173.9 158.2 156.6 156.6 184.4e. Others Reserves 18.0 21.9 22.8 501.5 102.9 154.3 244.3 244.3 295.8F. Exchange FluctuationFund 26.1 13.6 19.5 19.5 19.5

2 BORROWINGS 5.4 48.2 538.8 66.4 485 383 360 362 727.7 a. NRB 0.0 47.6 403.7 66.4 25 23

b. "A"Class Licensed Institution 5.4 0.6 135.1 0.0 100 0 2 367.7c. Foreign Bank and Fin.Ins. 0.0 0.0 0.0 0.0 0 0d.Other Financial Ins. 0.0 0.0 0.0 360 0e. Bonds and Securities 360 360 360 360

3 DEPOSITS 17613.6 18595.2 21002.8 22760.9 24831.1 26456.2 29905.8 28516.6 29713.7a. Current 2313.7 2652.8 3702.2 4353.1 5013 4993.6 5447.1 5475 6067.7 Domestic 3446.9 3647.4 4370.2 4365 4486.7 Foreign 1566.1 1346.2 1076.9 1110 1581b. Savings 9164.1 9102.8 10840.8 11719.7 12852.4 14582.8 15784.7 15309.4 16943.3 Domestic 11925.3 13287.7 14573 14182.9 15886.6 Foreign 927.1 1295.1 1211.7 1126.5 1056.7c. Fixed 5668.1 6044.9 5880.7 6043.7 6364.3 6350.2 8201.1 7260.9 6265.6 Domestic 2540 2353.3 4076.4 3384.4 3143.1 Foreign 3824.3 3996.9 4124.7 3876.5 3122.5d. Call Deposits 0.0 343.8 201.3 219.6 15.4 41.6 97.9 40.4 1.5e. Others 467.7 450.9 377.8 424.8 586 488 375 430.9 435.6

4 Bills Payable 101.3 94.9 82.8 124.56 Other Liabilities 2808.4 2085.7 2439.0 2488.0 1705.9 2067.2 1557.4 1918 1979.8

1. Sundry Creditors 17.2 83.6 24 73.1 50.8 2. Loan Loss Provision 937.1 1029 760.1 999.9 841.3 3. Interest Suspense a/c 518.2 558.2 343.1 498.7 409.2 4. Others 2808.4 2085.7 2439.0 2488.0 233.4 396.4 430.2 346.3 678.5

7 Reconcillation A/c 0 1.7 132.8 54.5 174.68 Profit & Loss A/c 752.4 513.8 828.5 386.4 414.6

20929.0 21380.7 24721.2 26751.2 29102.6 31064.9 34645.5 33086.4 35281.41 LIQUID FUNDS 7192.6 7658.8 8281.7 8613.5 8173.2 2677.6 3259.6 2660.7 3272.6

a. Cash Balance 149.9 462.8 382.7 274.2 287.2 305.4 177.2 236.1 276 Nepalese Notes & Coins 131.7 450.1 350.0 274.2 287.2 263.3 154.6 202.8 248.2 Foreign Currency 18.2 12.7 32.7 0.0 0.0 42.1 22.6 33.3 27.8b. Bank Balance 1136.9 768.6 1770.0 1494.5 1262.2 1366.9 1372.4 1546.3 1484.8 1. In Nepal Rastra Bank 1073.2 695.4 1130.0 1623.9 1412 1093 1269.5 1273.6 1181.8 Domestic Currency 1373.2 1109.6 1255 1251.7 1160.3 Foreign Currency 38.8 -16.6 14.5 21.9 21.5 2. "A"Class Licensed Institution 11.0 36.3 40.0 33.0 2.5 78.6 40.8 113.5 114.2 Domestic Currency 2.5 78.6 38.8 113.2 115.4 Foreign Currency 0 0 2 0.3 -1.2 3. Other Financial Ins. 4. In Foreign banks 52.7 36.9 600.0 -162.4 -152.3 195.3 62.1 159.2 188.8c.Money at Call 5905.8 6427.4 6129.0 6844.8 6623.8 1005.3 1710 878.3 1511.8 Domestic Currency 200 0 130 325 195 Foreign Currency 6423.8 1005.3 1580 553.3 1316.8

2 INVESTMENTS 2224.3 2588.6 3980.0 2781.7 5469.7 5144.4 6454.8 6057.2 4194.9a. Govt.Securities 2224.3 2588.6 3980.0 2781.7 5469.7 4577.7 6454.8 6057.2 4194.9b. NRB Bond 566.7c. Govt.Non-Fin. Ins. d. Other Non-Fin Ins.e Non Residents

3 SHARE & OTHER INVESTMENT 10.7 34.3 34.3 96.6 39.9 5746.1 5366.8 5375.9 5157.7 1. Non Residents 0 0 5294.7 5309.6 4799 2.Others 39.9 5746.1 72.1 66.3 358.7

4 LOANS & ADVANCES 8836.6 9673.5 10894.2 13081.7 13245.0 15515.7 17672.0 17102.4 20561.6a. Govt. Entp. 536.4 352.5 742.7 766.2 745 605 702 598 654b. Pvt. Sector 8300.2 9321.0 10151.5 12315.5 12500 14911 16970 16505 19908c. Financial Institutions

5 BILL PURCHED 340.3 0.0 180.0 0.0 345.9 252.6 169.5 199.3 215.3 a. Domestic Bills Purchased 345.9 252.6 30.3 14.2 78.3 b. Foreign Bills Purchased 340.3 0.0 180.0 0.0 139.2 185.1 137 c. Import Bills & Imports



a. Accrued Interests 115.5 313.4 313.5 661.9 701.4 688.2 415.3 635.2 514.6 Govt. Entp. 0.0 5.5 0.9 2.2 0.0 0.0 0.0 0.0 Private Sector 115.5 307.9 312.6 659.7 701.4 688.2 415.3 635.2 514.6 b. Staff Loans / Adv. 109.4 151.7 196.5 167.8 c. Sundry Debtors 58.8 27.1 33.2 13.7 36.8 d. Cash In Transit 0.0 0.0 0.9 e. Others 2209.0 1112.3 1037.5 1515.8 275.6 225.3 409.7 128.4 428.7

10 Expenses not Written off 121.5 118.3 116.1 111.411 Non Banking Assets 57.9 16.2 19.6 30.9 3.512 Reconcillation Account 254.2 0 0 0 013 Profit & Loss A/c 0 0 0 0 0

20929.0 21380.7 24721.2 26751.2 29102.6 31064.9 34645.5 33086.4 35281.4

Mid-Jan

Table No. 12SOURCES AND USES OF FUND OF HIMALAYAN BANK LTD.

USES OF FUNDS

SOURCES OF FUNDS

Mid-July

12

(Rs. in million)

2001 2002 2003 2004 2005 2006 2007 2007 20081 CAPITAL FUND 243.5 541.5 582.9 823.2 689.3 1119.8 989.9 1204.7 1163.3 a. Paid-up Capital 143.9 424.9 425.2 426.9 431.9 840.2 647.8 840.2 647.8 b. General Reserve 73.2 75.7 83.9 136.2 191 245.7 140.7 140.7 191.7

c. Share Premium 0 0 0 0.0 0.0d. Retained Earning 12.2 40.9 12.2 38.2 5.3 1.7 1.7 0.7e. Others Reserves 26.4 28.7 32.9 247.9 22.4 22.4 192.4 315.3F. Exchange FluctuationFund 5.8 6.2 7.3 222.1 7.8

2 BORROWINGS 0.0 264.2 65.8 0.0 67.4 0 1015.4 942.6 1124.692 a. NRB 0.0 264.2 65.8 0.0 67.4 0 50 0

b. "A"Class Licensed Institution 0.0 0.0 0.0 0.0 0c. Foreign Bank and Fin.Ins. 0.0 0.0 0.0 0.0 815.4 892.6 924.692d.Other Financial Ins. 0.0 0.0 0e. Bonds and Securities 200 200

3 DEPOSITS 6618.4 5572.2 6522.8 7232.1 8645.8 10852.7 11445.2 10589.5 12852.08a. Current 2359.9 1086.7 1300.0 1712.6 1774.1 1375.4 1930.4 1323.5 1839.742 Domestic 1724.2 1326.9 1884.3 1293.8 1794.891 Foreign 49.9 48.5 46.1 29.7 44.851b. Savings 1259.5 1274.7 1820.7 2024.2 2684.7 2832.7 3274.7 3135.5 3797.52 Domestic 2601 2764.9 3175.6 3043 3721.684 Foreign 83.7 67.8 99.1 92.5 75.836c. Fixed 2929.4 3132.7 3337.6 3371.4 4086.4 6116.2 5517.3 5556.8 6618.921 Domestic 4086.4 5970.4 5354.8 5395.4 6601.225 Foreign 0 145.8 162.5 161.4 17.696d. Call Deposits 0.0 26.3 0.0 0.0 0 449 624.7 437.7 478.484e. Others 69.6 51.9 64.5 123.9 100.6 79.4 98.1 136 117.416


1. Sundry Creditors 11.4 86.1 311.2 190.5 241.159 2. Loan Loss Provision 397.3 613.6 589.2 600.7 629.016 3. Interest Suspense a/c 475.5 462.8 464.6 465.7 511.144 4. Others 538.5 574.3 829.1 877.7 73 100.6 125.4 140.3 207.864

7 Reconcillation A/c 7.1 244.7 0.2 50.5 2.68 Profit & Loss A/c 217.1 219.8 394.5 162.6 147.3

7400.4 6952.2 8000.6 8933.0 10616.6 13735.6 15397.2 14432.9 16954.21 LIQUID FUNDS 2348.2 1403.2 1331.6 775.0 459.6 894.5 1754.5 1384.6 961.603

a. Cash Balance 148.5 166.6 269.6 161.2 143.7 269.7 287.5 248.3 298.194 Nepalese Notes & Coins 133.2 147.8 243.1 140.1 125.3 244.1 262.2 234.8 281.3 Foreign Currency 15.3 18.8 26.5 21.1 18.4 25.6 25.3 13.5 16.9b. Bank Balance 1809.7 1236.6 1062.0 613.8 315.9 261.6 835.1 978.3 645.587 1. In Nepal Rastra Bank 294.2 1177.5 892.3 578.3 390.1 629.9 556.7 641.3 342.801 Domestic Currency 387.6 626.3 544 636.4 336.107 Foreign Currency 2.5 3.6 12.7 4.9 6.694 2. "A"Class Licensed Institution 4.7 12.9 12.2 7.3 8.1 4.7 11.8 8.9 37.313 Domestic Currency 8.1 4.1 10.8 8.3 35.778 Foreign Currency 0.6 1 0.6 1.535 3. Other Financial Ins. 0 4. In Foreign banks 1510.8 46.2 157.5 28.2 -82.3 -373 266.6 328.1 265.473c.Money at Call 390.0 0.0 0.0 0.0 0 363.2 631.9 158 17.822 Domestic Currency 215 350 0 Foreign Currency 148.2 281.9 158 17.822

2 INVESTMENTS 364.7 503.2 1189.4 1871.5 2588.2 3680.4 2345.6 2793.6 3053.8a. Govt.Securities 364.7 503.2 1189.4 1871.5 2470 3680.4 2345.6 2793.6 3053.777b. NRB Bond 118.2 0 0c. Govt.Non-Fin. Ins. 0d. Other Non-Fin Ins. 0e Non Residents 0

3 SHARE & OTHER INVESTMENT 8.9 17.9 17.9 17.9 19.5 19.5 31.9 31.9 31.9 1. Non Residents 0 0 0 0 0 2.Others 19.5 19.5 31.9 31.9 31.939

4 LOANS & ADVANCES 4091 4529 4761 5491 6619 8060 9847 9089 11607a. Govt. Entp. 88.3 87.4 50.0 72.9 43 163 206 187 114b. Pvt. Sector 4002.7 4441.2 4711.1 5418.0 6576 7897 9464 8726 11309c. Financial Institutions 176 176 184

5 BILL PURCHED 85.3 65.3 5.0 61.6 146.1 190.8 218.4 210.2 188.0 a. Domestic Bills Purchased 29.5 26.8 51.6 15.8 36.299 b. Foreign Bills Purchased 85.3 65.3 5.0 61.6 116.6 164 166.8 194.4 151.667 c. Import Bills & Imports 0.0




10 Expenses not Written off 0 2.4 1.5 2.4 1.54811 Non Banking Assets 19.4 43.6 3.8 24 3.84712 Reconcillation Account 0 0 0 0 013 Profit & Loss A/c 0 0 0 0 0

7400.4 6952.1 8000.6 8933.0 10616.6 13735.6 15397.2 14432.9 16954.1

Mid-Jan

SOURCES AND USES OF FUND OF NEPAL SBI BANK LIMITED.Table No. 13

USES OF FUNDS

SOURCES OF FUNDS

Mid-July

13

(Rs. in million)

2001 2002 2003 2004 2005 2006 2007 2007 20081 CAPITAL FUND 299.7 595.6 622.6 1038.7 1038.1 234.6 -1562.4 -1008.1 -2795.7 a. Paid-up Capital 119.1 238.1 359.9 359.9 719.9 719.9 719.9 719.9 744.1 b. General Reserve 137.9 178.2 190.9 205.2 201.7 201.7 201.7 201.7 204.693

c. Share Premium 3.5 3.5 3.5 3.5 3.472d. Retained Earning 145.8 0.0 145.8 0.0 -803.7 -2605.4 -2046.5 -3866.0e. Others Reserves 42.7 33.5 71.8 327.8 72 72 72 72 72F. Exchange FluctuationFund 41 41.2 45.9 41.3 46.016

2 BORROWINGS 0.0 152.5 68.3 67.2 0 71 230 720 0 a. NRB 0.0 152.5 8.3 30.0 0 71 230 720 0

b. "A"Class Licensed Institution 0.0 0.0 60.0 0.0 0 0 0 0 0c. Foreign Bank and Fin.Ins. 0.0 0.0 0.0 37.2 0 0 0 0 0d.Other Financial Ins. 0.0 0.0 0 0 0 0 0e. Bonds and Securities 0 0

3 DEPOSITS 8578.8 9514.0 10548.0 12747.3 12125.5 13014.8 9464 9134.2 10215.38a. Current 634.1 864.5 884.2 1137.0 1077.6 1117.5 872.5 760.4 1056.073 Domestic 950.9 1032 822.8 696.7 1000.083 Foreign 126.7 85.5 49.7 63.7 55.99b. Savings 1694.9 2086.9 2913.6 4225.9 5475.2 7414.8 5582.9 4850.7 6462.822 Domestic 5454.3 7390.2 5562.1 4831.2 6438.84 Foreign 20.9 24.6 20.8 19.5 23.982c. Fixed 5236.8 5453.6 5031.6 4875.7 3536.6 2867 1578.1 2397.1 1386.209 Domestic 3444.8 2848.2 1575.4 2379.2 1384.187 Foreign 91.8 18.8 2.7 17.9 2.022d. Call Deposits 682.1 766.0 1439.8 2208.8 1770.4 1363.6 1155.7 893.5 1095.939e. Others 330.9 343.0 278.8 299.9 265.7 251.9 274.8 232.5 214.338

4 Bills Payable -94.9 -252.1 22.7 -50.1 49.66 Other Liabilities 1452.2 1737.0 1690.3 2043.4 2499.2 3292.7 5571 5381 7897.788

1. Sundry Creditors 114.4 162.4 161.1 220.6 1529.097 2. Loan Loss Provision 1184.5 1691.9 3633.7 3460.1 4122.01 3. Interest Suspense a/c 702.6 984.6 1249.8 1256.3 1522.429 4. Others 1452.2 1737.0 1690.3 2043.4 497.7 453.8 526.4 444 724.252

7 Reconcillation A/c -104.1 -96.2 -19.9 -219.7 -204.7438 Profit & Loss A/c 76.1 457 576.9 208.88

10330.7 11999.1 12929.2 15896.6 15539.9 16721.8 14282.3 13957.3 15371.21 LIQUID FUNDS 1810.1 1836.7 891.8 1488.8 1493.2 1764.7 1195.3 569.3 949.184

a. Cash Balance 242.8 362.8 309.8 350.7 300.9 354.5 391.7 350.4 453.917 Nepalese Notes & Coins 221.5 334.2 267.4 319.7 279.4 333.3 371.0 328.6 414.5 Foreign Currency 21.3 28.6 42.4 31.0 21.5 21.2 20.7 21.8 39.4b. Bank Balance 756.1 1395.6 582.0 1056.2 1054.4 1292.8 771.1 138.9 347.641 1. In Nepal Rastra Bank 634.1 1170.7 511.0 800.3 747.7 1110.4 613.2 35.1 683.616 Domestic Currency 735.5 1009.1 599.1 3.2 634.72 Foreign Currency 12.2 101.3 14.1 31.9 48.896 2. "A"Class Licensed Institution 22.2 20.9 15.1 33.2 21.4 11.3 21.5 12.3 -180.291 Domestic Currency 20.2 10.9 21.2 12 -180.588 Foreign Currency 1.2 0.4 0.3 0.3 0.297 3. Other Financial Ins. 0 4. In Foreign banks 99.8 204.0 55.9 222.7 285.3 171.1 136.4 91.5 -155.684c.Money at Call 811.2 78.3 0.0 81.9 137.9 117.4 32.5 80 147.626 Domestic Currency 0 30 32.5 80 147.626 Foreign Currency 137.9 87.4 0

2 INVESTMENTS 262.5 891.0 2040.4 2578.9 2212.5 2525.3 826.8 300.5 1019.7a. Govt.Securities 262.5 891.0 2040.4 2578.9 2212.5 2525.3 826.8 300.5 1019.721b. NRB Bond 0c. Govt.Non-Fin. Ins. 0d. Other Non-Fin Ins. 0e Non Residents 0

3 SHARE & OTHER INVESTMENT 15.0 138.4 236.3 38.4 62.8 64.8 182.2 250.1 230.1 1. Non Residents 102.4 170.3 151.288 2.Others 62.8 64.8 79.8 80 78.823

4 LOANS & ADVANCES 7022 7969 8363 9996 8740 9011 8303 9021 9091.5a. Govt. Entp. 318.9 260.7 283.0 333.5 58 159 59 88.5 80b. Pvt. Sector 6703.4 7708.4 8079.9 9662.1 8682 8852 7863 8546.2 8746c. Financial Institutions 382 386 265

5 BILL PURCHED 325.1 245.4 129.0 258.0 984.5 895.2 856.3 776.1 799.4 a. Domestic Bills Purchased 18.9 8.4 10.5 3.3 41.766 b. Foreign Bills Purchased 325.1 245.4 129.0 258.0 128.2 144.2 101 61 70 c. Import Bills & Imports 837.4 742.6 744.8 711.8 688.1

6 LOANS AGAINST COLLECTED BILLS 0.0 7.6 0.0 0.0 0.0 0.0 0.0 0 0.0 a. Against Domestic Bills 0.0 b. Against Foreign Bills 0.0 7.6 0.0 0.0 0


a. Accrued Interests 91.9 124.2 160.8 300.9 364.7 984.5 1249.8 1256.3 1522.4 Govt. Entp. 0.0 0.0 0.8 3.1 7.7 15.0 0.6 15.4 Private Sector 91.9 124.2 160.0 297.8 364.7 976.8 1234.8 1255.7 1507.0 b. Staff Loans / Adv. 71.4 93.4 93.5 114.4 c. Sundry Debtors 21.0 21.1 12.9 17.7 22.8 d. Cash In Transit 0.0 0.0 0 0.0 e. Others 803.8 786.7 1108.0 1236.0 1123.3 716.4 970.5 957.2 1051.235

10 Expenses not Written off 10.6 10.7 6.8 9.7 5.49711 Non Banking Assets 328.1 484.9 444.3 478.7 418.3912 Reconcillation Account 0 0 0 0 013 Profit & Loss A/c 0 0 0 60.1 0

10330.7 11999.1 12929.2 15896.6 15539.9 16721.8 14282.3 13957.3 15371.3

Mid-Jan

Table No. 14SOURCES AND USES OF FUND OF NEPAL BANGLADESH BANK LIMITED.

USES OF FUNDS

SOURCES OF FUNDS

Mid-July

14

(Rs. in million)


c. Share Premium 6.4 6.4 6.4 6.4 206.427d. Retained Earning 62.5 72.9 62.5 46.9 70.5 108.6 108.6 130.5e. Others Reserves 39.0 8.7 14.3 83.8 63 94.5 133.1 132.3 183.326F. Exchange FluctuationFund 15.8 15.8 16.7 16.7 16.978

2 BORROWINGS 80.0 310.3 83.2 433.3 0 300 300 300 300 a. NRB 0.0 81.8 0.0 0.0 0 0 0 0 0

b. "A"Class Licensed Institution 80.0 0.0 0.0 0.0 0 0 0 0 0c. Foreign Bank and Fin.Ins. 0.0 228.5 83.2 433.3 0 0 0 0 0d.Other Financial Ins. 0.0 0.0 0.0 0 300 300 0 0e. Bonds and Securities 300 300

3 DEPOSITS 4574.5 5461.1 6694.9 8064.0 10097.8 13802.5 19097.7 16054.2 22315.09a. Current 399.7 489.6 562.4 719.8 1025.2 1155.2 2620 1695.1 4529.327 Domestic 997.8 1128.5 2585.2 1663.8 4478.9 Foreign 27.4 26.7 34.8 31.3 50.427b. Savings 1384.1 1733.3 2758.0 3730.7 4806.9 6929.2 9018 7854.4 10529.54 Domestic 4767.5 6815 8887.7 7729.2 10389.93 Foreign 39.4 114.2 130.3 125.2 139.605c. Fixed 2470.2 2694.6 2803.4 2914.1 3444.5 4298.2 5658.7 4879.8 5832.895 Domestic 3418 3758.1 5368.4 4188.8 5662.928 Foreign 26.5 540.1 290.3 691 169.967d. Call Deposits 225.6 439.4 428.0 565.6 704.4 1293.3 1578.9 1453 1241.239e. Others 94.9 104.2 143.1 133.8 116.8 126.6 222.1 171.9 182.092




5240.2 6774.2 8260.2 9967.2 15069.0 16714.5 23335.3 19311.5 26865.61 LIQUID FUNDS 824.1 809.2 1156.1 869.7 1624.2 1619.6 3329.7 2298.1 4155.31

a. Cash Balance 108.0 169.9 136.6 128.7 192.6 259.4 535 252.2 591.2 Nepalese Notes & Coins 92.9 146.3 109.8 117.8 180.6 246.1 512.3 238.7 561.5 Foreign Currency 15.1 23.6 26.8 10.9 12.0 13.3 22.7 13.5 29.7b. Bank Balance 716.1 502.3 982.0 508.9 861.6 1360.2 2794.7 1895.9 3166.11 1. In Nepal Rastra Bank 385.6 357.7 724.8 441.9 774.5 1139.5 1846.8 1407.8 2946.646 Domestic Currency 757.1 1136.5 1841.7 1400.3 2921.069 Foreign Currency 17.4 3 5.1 7.5 25.577 2. "A"Class Licensed Institution 2.3 3.1 5.9 4.2 13.4 6.1 36.3 4.9 16.183 Domestic Currency 12.5 6.1 32.6 4.8 12.332 Foreign Currency 0.9 0 3.7 0.1 3.851 3. Other Financial Ins. 0 0 0 0 0 4. In Foreign banks 328.2 141.5 251.3 62.8 73.7 214.6 911.6 483.2 203.281c.Money at Call 0.0 137.0 37.5 232.1 570 0 0 150 398 Domestic Currency 570 0 150 398 Foreign Currency 0 0 0 0


3 SHARE & OTHER INVESTMENT 3.7 89.7 17.1 17.1 19.4 652.7 280.5 844.4 262.3 1. Non Residents 646.2 274 837.9 237.403 2.Others 19.4 6.5 6.5 6.5 24.89

4 LOANS & ADVANCES 2963.7 3969.6 5030.9 6116.6 7914.4 10124.2 14059.2 11739.7 16921.2a. Govt. Entp. 0.0 0.0 60.0 69.2 0 494 643 684 683b. Pvt. Sector 2963.7 3969.6 4970.9 6047.4 7914 9631 13027 10697 15852c. Financial Institutions 388.9 359 385.5

5 BILL PURCHED 29.7 30.7 40.8 44.0 47.6 a. Domestic Bills Purchased 16.4 21.7 28.8 40.6 39.357 b. Foreign Bills Purchased 13.3 9 12 3 8 c. Import Bills & Imports 0.0 0.0 0.0 0.0 0.0

6 LOANS AGAINST COLLECTED BILLS 0.0 0.0 0.0 0.0 0.0 a. Against Domestic Bills 0.0 b. Against Foreign Bills 0



10 Expenses not Written off 0 0 0 0 0.00511 Non Banking Assets 48.7 9.9 0 0 012 Reconcillation Account 2748.7 0 0 0 013 Profit & Loss A/c 0 0 0 0 0

5197.3 6761.1 8241.5 9952.7 15069.0 16714.6 23335.3 19311.5 26865.6

Mid-Jan

Table No. 15SOURCES AND USES OF FUND OF EVEREST BANK LIMITED.

USES OF FUNDS

SOURCES OF FUNDS

Mid-July

15

(Rs. in million)


c. Share Premium 0 0 0 0 0d. Retained Earning 5.5 12.9 51.9 6.5 1.0 8.3 8.3 6.7e. Others Reserves 6.1 8.5 8.7 167.7 92.9 139.2 68.9 68.9 157.8F. Exchange FluctuationFund 10.9 12.1 14.6 14.6 16.6

2 BORROWINGS 100.0 0.0 498.2 912.2 6 753.2 930 440 1005 a. NRB 0.0 0.0 107.0 8.0 6 0 360 0 490

b. "A"Class Licensed Institution 100.0 0.0 391.2 904.2 0 553.2 370 240 315c. Foreign Bank and Fin.Ins. 0.0 0.0 0.0 0.0 0 0 0 0 0d.Other Financial Ins. 0.0 0.0 0.0 0 0 0 0 0e. Bonds and Securities 200 200 200 200

3 DEPOSITS 5724.1 5735.9 6169.6 7741.6 8942.8 10429.3 12358.6 11956.1 13499.4a. Current 681.5 789.6 935.7 997.9 1302.6 1409.2 1661.8 1913.7 1827.8 Domestic 1135.7 1218.8 1490.7 1691.4 1654.3 Foreign 166.9 190.4 171.1 222.3 173.5b. Savings 1848.9 1862.6 2267.3 2873.8 3447.5 4582 5526.8 5286.2 6431.2 Domestic 3244.5 4297.3 5298.3 5068.1 6237.4 Foreign 203 284.7 228.5 218.1 193.8c. Fixed 1948.5 1958.8 1991.1 2279.7 2878.9 2709.8 3037.2 2733.4 2868.2 Domestic 2194.2 1940.1 2216.5 2105.4 2267.3 Foreign 684.7 769.7 820.7 628 600.9d. Call Deposits 1050.1 995.1 854.7 1450.7 1162.1 1618.6 1966.5 1930.6 2215.5e. Others 195.1 129.8 120.8 139.5 151.7 109.7 166.3 92.2 156.7

4 Bills Payable 19.2 11 9.3 16.4 18.66 Other Liabilities 444.9 567.7 777.6 574.6 398.4 415.9 580.9 500.9 835.1

1. Sundry Creditors -12.8 69.1 46.4 3.4 152.9 2. Loan Loss Provision 269.7 236.2 286.5 268.3 331.4 3. Interest Suspense a/c 27.8 24 14.7 14.4 23.7 4. Others 444.9 567.7 777.6 574.6 113.7 86.6 233.3 214.8 327.1

7 Reconcillation A/c 0 0 0 08 Profit & Loss A/c 228.8 330.7 278.5 195 241.6

6528.8 6814.3 7965.6 9963.0 10246.0 12660.8 14997.5 13948.6 16581.71 LIQUID FUNDS 1529.9 810.7 692.7 1150.0 1428.3 1945.6 1560.9 2018.5 1853

a. Cash Balance 171.2 193.1 157.4 139.2 161.5 184 219 299.6 390.7 Nepalese Notes & Coins 157.1 178.0 133.0 111.1 150.6 171.2 198.0 265.8 368.7 Foreign Currency 14.1 15.1 24.4 28.1 10.9 12.8 21.0 33.8 22.0b. Bank Balance 972.3 490.2 527.8 655.7 579 544.7 1082.6 1015.3 1150.5 1. In Nepal Rastra Bank 399.9 298.2 362.4 447.4 417.9 349.3 883.5 745 945.2 Domestic Currency 386.7 336.7 877.1 741 934.1 Foreign Currency 31.2 12.6 6.4 4 11.1 2. "A"Class Licensed Institution 11.3 59.3 19.9 26.1 29.3 21.3 42.3 43 29.8 Domestic Currency 24.3 20.7 41.2 42.3 26.2 Foreign Currency 5 0.6 1.1 0.7 3.6 3. Other Financial Ins. 0 0 0 0 0 4. In Foreign banks 561.1 132.7 145.5 182.2 131.8 174.1 156.8 227.3 175.5c.Money at Call 386.4 127.4 7.5 355.1 687.8 1216.9 259.3 703.6 311.8 Domestic Currency 0 0 50 58.3 Foreign Currency 687.8 1216.9 259.3 653.6 253.5

2 INVESTMENTS 300.8 542.7 1510.8 2371.8 2216.5 2654.8 2332.0 2830.7 1612.6a. Govt.Securities 300.8 542.7 1510.8 2371.8 2146.6 2654.8 2332 2830.7 1612.6b. NRB Bond 0c. Govt.Non-Fin. Ins. 0d. Other Non-Fin Ins. 0e Non Residents 69.9 0 0 0 0

3 SHARE & OTHER INVESTMENT 24.6 88.0 108.0 22.8 19.2 93.6 663.2 92.7 592.3 1. Non Residents 0 2.Others 19.2 93.6 663.2 92.7 592.3

4 LOANS & ADVANCES 4275.3 4840.1 4913.3 6049.7 6166.9 7525.2 9663.6 8272.4 11803.3a. Govt. Entp. 0.0 88.4 0.0 0.0 0 82 293 315 287b. Pvt. Sector 4275.3 4751.7 4913.3 6049.7 6167 7443 9371 7958 11517c. Financial Institutions 0

5 BILL PURCHED 51.8 137.5 27.7 25.0 82.3 17.6 31.1 161.1 32.0 a. Domestic Bills Purchased 19.5 9.7 21.3 153.2 18.6 b. Foreign Bills Purchased 51.8 137.5 27.7 25.0 15 6 6 0 c. Import Bills & Imports 47.8 1.9 9.8 1.9 13.4

6 LOANS AGAINST COLLECTED BILLS 0.0 0.0 15.2 30.2 29.3 43.4 27.4 12.1 0.0 a. Against Domestic Bills 0.0 b. Against Foreign Bills 0.0 0.0 15.2 30.2 29.3 43.4 27.4 12.1


a. Accrued Interests -5.5 12.4 41.1 31.4 23.6 58.0 56.6 57.2 57.9 Govt. Entp. 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 Private Sector -5.5 12.4 41.1 31.4 23.6 58.0 56.6 57.2 57.9 b. Staff Loans / Adv. 0.0 29.9 4.7 28.7 c. Sundry Debtors 17.4 26.0 126.7 12.2 53.8 d. Cash In Transit 0.0 0.0 0.0 0.0 0.0 e. Others 351.9 382.9 656.8 282.1 12.7 20.3 13.2 17.8 34.4

10 Expenses not Written off 0 0 0 0 011 Non Banking Assets 24 7.3 3.6 7.4 15.712 Reconcillation Account 0 0 0 0 013 Profit & Loss A/c 0 0 0 0 0

6528.8 6814.3 7965.6 9963.0 10246.0 12660.8 14997.5 13948.6 16581.7

Mid-Jan

Table No. 16SOURCES AND USES OF FUND OF BANK OF KATHMANDU LIMITED.

USES OF FUNDS

SOURCES OF FUNDS

Mid-July

16

(Rs. in million)

2001 2002 2003 2004 2005 2006 2007 2007 20081 CAPITAL FUND 364.2 380.8 510.7 941.3 725.5 260.7 -308.3 305.4 -510.0 a. Paid-up Capital 350.0 350.0 490.0 595.0 693.6 698.4 699.1 698.7 699.4 b. General Reserve 9.8 13.4 13.4 29.8 30.5 30.5 30.5 30.5 30.5

c. Share Premium 0 0 0 0 0d. Retained Earning 0.0 0.0 113.6 0.0 -468.2 -1063.2 -423.8 -1265.2e. Others Reserves 4.4 17.4 7.3 202.9 0 0 25.3 25.3F. Exchange FluctuationFund 1.4 0 0 0 0

2 BORROWINGS 0.0 0.0 19.7 0.0 0 0 0 0 0 a. NRB 0.0 0.0 19.7 0.0 0 0 0

b. "A"Class Licensed Institution 0.0 0.0 0.0 0.0 0 0 0c. Foreign Bank and Fin.Ins. 0.0 0.0 0.0 0.0 0 0 0d.Other Financial Ins. 0.0 0.0 0.0 0 0 0e. Bonds and Securities

3 DEPOSITS 3772.7 3709.0 4294.1 5959.6 6630.1 6619.5 6500.3 6146.5 6313.3a. Current 261.2 362.4 252.3 452.5 380.3 372.6 451.4 313 469.9 Domestic 374.3 361.4 440.7 309.4 464.5 Foreign 6 11.2 10.7 3.6 5.4b. Savings 600.6 798.3 1024.6 1919.8 2626.1 3370.3 3317.3 3183.5 3864.5 Domestic 2572.1 3300 3260.5 3157.1 3844.9 Foreign 54 70.3 56.8 26.4 19.6c. Fixed 2710.2 2421.5 2613.0 2659.5 2676.5 1922.9 1736.6 1802.9 961.7 Domestic 2675.2 1922.9 1735.7 1802.9 945.2 Foreign 1.3 0 0.9 0 16.5d. Call Deposits 106.7 61.0 350.0 839.5 819.6 838.4 900.4 745.5 923.7e. Others 94.0 65.8 54.2 88.3 127.6 115.3 94.6 101.6 93.5

4 Bills Payable 5.8 63.6 14.5 4.9 12.76 Other Liabilities 466.4 928.0 811.8 715.3 1220.5 1651 2568.4 1986.7 2939.3

1. Sundry Creditors 25.8 29.2 18.4 25.2 412.8 2. Loan Loss Provision 584.9 684.7 1406.9 836.2 1204.7 3. Interest Suspense a/c 504.9 754 902.7 950 916.2 4. Others 466.4 928.0 811.8 715.3 104.9 183.1 240.4 175.3 405.6

7 Reconcillation A/c 0.1 14.8 41.8 138.78 Profit & Loss A/c 31.2 299.3

4603.3 5017.8 5636.3 7616.2 8582.0 8640.8 8816.7 8443.5 9193.31 LIQUID FUNDS 940.3 809.7 793.3 1024.9 710.6 805.1 832.4 853.4 1011.6

a. Cash Balance 113.0 167.5 246.4 209.7 151.4 230.6 265.8 203.6 274.8 Nepalese Notes & Coins 93.5 149.0 192.4 183.0 140.5 219.8 256.8 186.5 255.8 Foreign Currency 19.5 18.5 54.0 26.7 10.9 10.8 9.0 17.1 19.0b. Bank Balance 357.5 378.5 433.9 760.8 511.3 553.4 490.9 509.1 598.2 1. In Nepal Rastra Bank 249.8 235.8 363.2 550.6 441 478.2 255.1 293.9 526.2 Domestic Currency 452.2 468.8 248.3 291 522.9 Foreign Currency -11.2 9.4 6.8 2.9 3.3 2. "A"Class Licensed Institution 32.9 52.6 26.1 112.1 23.5 19.6 71 24.1 34.9 Domestic Currency 22.1 19.2 68.4 22.6 31.2 Foreign Currency 1.4 0.4 2.6 1.5 3.7 3. Other Financial Ins. 0 0 120 120 0 4. In Foreign banks 74.8 90.1 44.6 98.1 46.8 55.6 44.8 71.1 37.1c.Money at Call 469.8 263.7 113.0 54.4 47.9 21.1 75.7 140.7 138.6 Domestic Currency 10 0 40 100 80 Foreign Currency 37.9 21.1 35.7 40.7 58.6


3 SHARE & OTHER INVESTMENT 91.2 126.1 91.8 96.6 68.1 75.6 70.0 75.6 61.6 1. Non Residents 0 2.Others 68.1 75.6 70 75.6 61.6

4 LOANS & ADVANCES 2894.1 2936.9 3321.8 4417.6 5934.3 5836.6 5083.9 5787.6 5248.1a. Govt. Entp. 97.3 98.1 98.8 146.4 86 144 136 134 141b. Pvt. Sector 2796.8 2838.8 3223.0 4271.2 5849 5692 4774 5481 5108c. Financial Institutions 173.4 173.4

5 BILL PURCHED 31.8 0.2 0.5 19.3 104.0 78.1 38.3 49.3 26.1 a. Domestic Bills Purchased 78.4 69.6 10.7 19.5 5.9 b. Foreign Bills Purchased 31.8 0.2 0.5 19.3 25.6 8.5 27.6 30 20 c. Import Bills & Imports 0.0 0.0 0.0 0.0 0.0

6 LOANS AGAINST COLLECTED BILLS 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 a. Against Domestic Bills 0.0 b. Against Foreign Bills


a. Accrued Interests 245.5 1.7 4.4 428.6 671.2 796.6 919.6 951.8 930.5 Govt. Entp. 0.0 0.0 0.0 2.3 0.0 0.0 35.2 27.5 43.4 Private Sector 245.5 1.7 4.4 426.3 671.2 796.6 884.4 924.3 887.1 b. Staff Loans / Adv. 27.6 36.8 34.0 51.8 c. Sundry Debtors 20.2 12.7 63.6 12.5 61.0 d. Cash In Transit 0.0 0.0 0.0 0.0 0.0 e. Others 202.7 943.5 1109.3 1117.3 137.9 187.5 253.9 183 354.3

10 Expenses not Written off 15.9 11.8 7.7 12.3 7.911 Non Banking Assets 57.5 86.6 47.4 61.7 44.412 Reconcillation Account 0 0 -14.5 013 Profit & Loss A/c 340.6 0 104.6 114.5 0

4603.3 5017.8 5636.3 7616.2 8582.0 8640.8 8816.7 8443.5 9193.3

Mid-Jan

Table No. 17SOURCES AND USES OF FUND OF BANK OF NEPAL CREDIT & COMMERCE BANK LIMITED.

USES OF FUNDS

SOURCES OF FUNDS

Mid-July

17

(Rs. in million)

2001 2002 2003 2004 2005 2006 2007 2007 20081 CAPITAL FUND 351.1 351.4 380.5 358.4 526.3 106.1 -622.1 -722.1 -279.7 a. Paid-up Capital 350.0 350.0 350.0 350.0 500.0 500.0 600.0 500.0 750.0 b. General Reserve 0.1 0.1 28.7 17.9 21.6 21.6 21.6 21.6 60.112

c. Share Premium 0 0 0 0 0d. Retained Earning 0.0 0.0 -64.4 0.0 -415.5 -1245.4 -1245.4 -1091.4e. Others Reserves 1.0 1.3 1.8 54.9 0 0 0 0 0F. Exchange FluctuationFund 4.7 0 1.7 1.7 1.669

2 BORROWINGS 0.0 121.5 90.0 164.7 0 0 23.5 0 260 a. NRB 0.0 121.5 0.0 164.7 0 0 0 0 200

b. "A"Class Licensed Institution 0.0 0.0 90.0 0.0 0 0 23.5 0 60c. Foreign Bank and Fin.Ins. 0.0 0.0 0.0 0.0 0 0 0 0 0d.Other Financial Ins. 0 0 0 0 0e. Bonds and Securities 0 0

3 DEPOSITS 2097.4 2646.1 2959.8 3777.6 4029.5 4786.5 6024.6 5804.4 5657.42a. Current 66.6 122.8 158.7 200.0 149.8 159.9 348 248.8 280.65 Domestic 143.7 154.1 327.1 230.8 264.163 Foreign 6.1 5.8 20.9 18 16.487b. Savings 435.0 548.5 571.2 833.2 940.9 1769.4 2703.5 2159.4 3082.533 Domestic 940 1768.9 2694.9 2153.5 3054.745 Foreign 0.9 0.5 8.6 5.9 27.788c. Fixed 1271.3 1674.9 1808.1 1829.5 2142.8 1822 1660.1 1884.5 1074.317 Domestic 2107.5 1747.6 1593.6 1811.9 999.109 Foreign 35.3 74.4 66.5 72.6 75.208d. Call Deposits 273.2 268.1 375.9 863.8 740.5 950.1 1222.2 1424.6 1142.573e. Others 51.3 31.9 45.9 51.1 55.5 85.1 90.8 87.1 77.347

4 Bills Payable 47.4 104.6 14.3 56.5 29.26 Other Liabilities 95.6 292.0 221.3 484.4 775.5 1724 1468.7 1426.9 1327.991

1. Sundry Creditors 6 57.8 39.3 47.4 42.542 2. Loan Loss Provision 645.9 1391.3 1062.4 1084.1 895.534 3. Interest Suspense a/c 112.7 238.9 260.9 232.8 270.59 4. Others 95.6 292.0 221.3 484.4 10.9 36 106.1 62.6 119.325

7 Reconcillation A/c 4.6 14 1.7 3.78 Profit & Loss A/c 0 0 225.9 217.4 295.3

2544.1 3410.9 3651.6 4785.1 5383.3 6735.2 7134.9 6784.8 7293.91 LIQUID FUNDS 301.6 531.7 466.1 681.0 469.4 452.1 830.9 544.3 555.921

a. Cash Balance 63.7 98.6 83.8 114.7 92.7 133.4 138.5 116.4 109.075 Nepalese Notes & Coins 56.5 90.1 66.8 96.4 82.1 122.4 129.5 102.7 102.8 Foreign Currency 7.2 8.5 17.0 18.3 10.6 11.0 9.0 13.7 6.3b. Bank Balance 237.9 433.1 249.7 416.4 256.2 268.7 362.3 260.6 403.356 1. In Nepal Rastra Bank 136.3 284.0 185.7 324.8 211.8 178.3 280.5 227.2 383.066 Domestic Currency 206.9 176.5 273.3 224 374.951 Foreign Currency 4.9 1.8 7.2 3.2 8.115 2. "A"Class Licensed Institution 68.0 62.8 22.8 26.5 15.6 20.5 54.1 23.9 15.008 Domestic Currency 12.6 20.3 54.1 23.7 14.998 Foreign Currency 3 0.2 0.2 0.01 3. Other Financial Ins. 0 0 0 0 4. In Foreign banks 33.6 86.3 41.2 65.1 28.8 69.9 27.7 9.5 5.282c.Money at Call 0.0 0.0 132.6 149.9 120.5 50 330.1 167.3 43.49 Domestic Currency 0 50 250 121 10 Foreign Currency 120.5 0 80.1 46.3 33.49

2 INVESTMENTS 208.8 100.0 274.9 433.1 376.0 527.0 795.6 627.4 594.7a. Govt.Securities 208.8 100.0 274.9 433.1 376 527 795.6 627.4 594.662b. NRB Bond 0c. Govt.Non-Fin. Ins. 0d. Other Non-Fin Ins. 0e Non Residents 0

3 SHARE & OTHER INVESTMENT 3.3 170.7 20.8 5.3 16.0 147.0 33.9 113.5 92.2 1. Non Residents 101 28.2 102.8 80.896 2.Others 16 46 5.7 10.7 11.274

4 LOANS & ADVANCES 1793.0 2295.4 2626.7 3207.0 3816.9 4315.0 4938.2 5057.2 5497.6a. Govt. Entp. 0.0 15.0 46.8 45.0 0 144 130 126 130b. Pvt. Sector 1793.0 2280.4 2579.9 3162.0 3817 4171 4658 4827 5206c. Financial Institutions 150.5 104.6 161

5 BILL PURCHED 0.2 1.2 5.3 11.0 12.9 69.0 6.4 24.2 5.2 a. Domestic Bills Purchased 2.9 0.2 0.7 3.3 3.848 b. Foreign Bills Purchased 0.2 1.2 5.3 11.0 10 68.8 5.7 21 1 c. Import Bills & Imports 0.0 0.0 0.0 0.0 0.0

6 LOANS AGAINST COLLECTED BILLS 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 a. Against Domestic Bills 0.0 b. Against Foreign Bills 0.0 0.0 0.0 0.0


a. Accrued Interests 57.0 65.3 65.7 117.6 112.7 205.9 226.0 199.8 238.8 Govt. Entp. 0.0 0.0 0.0 0.0 0.0 4.5 0.0 Private Sector 57.0 65.3 65.7 117.6 112.7 201.4 226.0 199.8 238.8 b. Staff Loans / Adv. 44.8 38.4 37.2 41.0 c. Sundry Debtors 78.2 5.4 48.5 28.1 66.2 d. Cash In Transit 0.0 0.0 0.0 0.0 0.0 e. Others 180.2 246.7 192.1 330.1 26.9 47 46.4 26.3 57.279

10 Expenses not Written off 10.6 16.2 21 6 4.2811 Non Banking Assets 45 54.1 73.8 49.1 64.82112 Reconcillation Account 0 0 0 0 013 Profit & Loss A/c 371.5 801.6 0 0

2544.1 3410.9 3651.6 4785.1 5383.3 6735.2 7134.7 6784.8 7294.0

Mid-Jan

Table No. 18SOURCES AND USES OF FUND OF LUMBINI BANK LIMITED.

USES OF FUNDS

SOURCES OF FUNDS

Mid-July

18

(Rs. in million)


c. Share Premium 0 0 0 0 0d. Retained Earning 11.8 7.6 3.1 82.1 11.5 25.0 25.0 11.9e. Others Reserves 15.3 2.7 2.7 35.0 0 0 0 0 0F. Exchange FluctuationFund 3.62 4.1 4.7 4.7 5.625

2 BORROWINGS 0.0 0.0 274.8 60.0 450 657.7 552.1 521.5 976.32 a. NRB 0.0 0.0 0.0 60.0 0 0 200 650

b. "A"Class Licensed Institution 0.0 0.0 274.8 0.0 450 450 152.1 290 126.32c. Foreign Bank and Fin.Ins. 0.0 0.0 0.0 0.0 0 7.7 31.5 0d.Other Financial Ins. 0.0 0.0 0.0 0.0 0 0 0 0e. Bonds and Securities 200 200 200 200

3 DEPOSITS 3575.8 3165.3 3143.9 5146.4 6243.3 8765.8 10068.3 9390.5 10867.95a. Current 248.0 257.2 235.8 278.5 233.1 391.8 510.2 421.1 533.807 Domestic 206.3 357.1 473.8 378.9 514.67 Foreign 26.8 34.7 36.4 42.2 19.137b. Savings 526.0 576.2 733.7 1280.4 2026.3 2797.4 3335.7 3092.1 3654.166 Domestic 2018.7 2745.8 3249.8 3028.4 3560.006 Foreign 7.6 51.6 85.9 63.7 94.16c. Fixed 1958.0 1347.1 1143.0 2083.1 2930.6 4064.5 4074.6 4131.5 4631.373 Domestic 2559.3 3296.2 3689.1 3372 4430.079 Foreign 371.3 768.3 385.5 759.5 201.294d. Call Deposits 797.1 942.9 966.1 1416.2 989.9 1459.2 2066.2 1679 1968.041e. Others 46.7 41.9 65.3 88.2 63.4 52.9 81.6 66.8 80.56


1. Sundry Creditors 16.4 51.5 50.3 67.1 94.945 2. Loan Loss Provision 174.7 244.7 225.6 252.6 182.796 3. Interest Suspense a/c 9.1 9 3.5 9.7 5.46 4. Others 286.7 166.1 302.9 388.6 12.7 24 20.5 24.3 56.085


4382.3 3862.7 4247.7 6154.2 40490.7 49221.4 58991.2 54584.6 65819.51 LIQUID FUNDS 539.4 606.5 348.0 448.8 1095 1097.5 858.8 871.7 839.599

a. Cash Balance 127.1 139.9 95.8 79.1 69.8 139.2 181.6 103.9 170.395 Nepalese Notes & Coins 117.2 120.4 88.5 65.6 59.5 129.3 172.7 93.6 161.9 Foreign Currency 9.9 19.5 7.3 13.5 10.3 9.9 8.9 10.3 8.5b. Bank Balance 412.3 419.8 222.3 240.0 935.3 604.8 514.2 618.2 648.64 1. In Nepal Rastra Bank 331.7 350.6 175.2 205.1 832.4 450.7 358.8 459 590.606 Domestic Currency 830 447.3 355.6 457.1 587.709 Foreign Currency 2.4 3.4 3.2 1.9 2.897 2. "A"Class Licensed Institution 9.4 9.7 6.2 12.4 19.3 34.3 29.2 33 27.752 Domestic Currency 18.7 33.6 29 29.2 25.361 Foreign Currency 0.6 0.7 0.2 3.8 2.391 3. Other Financial Ins. 0 0 51.3 51.3 31.353 4. In Foreign banks 71.2 59.5 40.9 22.5 83.6 119.8 74.9 74.9 -1.071c.Money at Call 0.0 46.8 29.9 129.7 89.9 353.5 163 149.6 20.564 Domestic Currency 0 167.5 130 20.564 Foreign Currency 89.9 186 33 149.6 0


3 SHARE & OTHER INVESTMENT 0.0 73.4 78.1 525.4 378.6 723.3 495.4 877.1 573.9 1. Non Residents 287.1 505.5 378.8 532.1 317.784 2.Others 91.5 217.8 116.6 345 256.098

4 LOANS & ADVANCES 2572.5 2328.8 2527.6 3729.1 4895.4 6882.8 9107.6 8014.9 10672.8a. Govt. Entp. 150.0 50.0 50.0 45.0 125 105 143 105 166b. Pvt. Sector 2422.5 2278.8 2477.6 3684.1 4770 6778 8626 7638 10098c. Financial Institutions 338.7 271.3 408.6

5 BILL PURCHED 49.7 9.4 10.5 6.6 17.9 19.3 21.1 21.3 7.6 a. Domestic Bills Purchased 5.9 5.3 4.6 5.6 0 b. Foreign Bills Purchased 49.7 9.4 10.5 6.6 12 14 16.5 16 8 c. Import Bills & Imports 0.0 0.0 0.0 0.0 0.0

6 LOANS AGAINST COLLECTED BILLS 0.0 31.7 26.2 10.9 0.0 0.0 0.0 0.0 0.0 a. Against Domestic Bills 0.0 b. Against Foreign Bills 0.0 31.7 26.2 10.9



10 Expenses not Written off 13.7 12.2 15 10.3 18.16211 Non Banking Assets 2.6 4.4 3.4 2.6 1.16412 Reconcillation Account 32742.2 38555.3 47040.6 43350.9 52553.6813 Profit & Loss A/c 0 0 0 0 0

4382.3 3862.7 4247.7 6154.2 40490.7 49221.4 58991.2 54584.6 65819.5

Mid-Jan

Table No. 19SOURCES AND USES OF FUND OF NEPAL INDUSTRIAL & COMMERCIAL BANK LIMITED.

USES OF FUNDS

SOURCES OF FUNDS

Mid-July

19

(Rs. in million)


c. Share Premium 0 0 0 0 0d. Retained Earning 0.0 -57.8 -15.4 -9.5 3.4 13.5 13.5 13.5e. Others Reserves 0.1 1.1 0.0 5.2 0 55 35.3 142.3 35F. Exchange FluctuationFund 0 0 4.1 4.1 4.1

2 BORROWINGS 0.0 0.0 90.0 75.2 154.2 117.1 228.5 317.3 407.2 a. NRB 0.0 0.0 0.0 3.0 0 117.1 80.8 24.9 400

b. "A"Class Licensed Institution 0.0 0.0 90.0 72.2 154.2 0 119 200 0c. Foreign Bank and Fin.Ins. 0.0 0.0 0.0 0.0 0 0 28.7 92.4 7.2d.Other Financial Ins. 0.0 0.0 0.0 0 0 0e. Bonds and Securities 0

3 DEPOSITS 700.0 994.8 1778.7 2754.6 5586.5 7893.3 9475 8653 9327.4a. Current 27.0 49.3 53.5 71.4 142.6 248.9 346.2 218.2 311.2 Domestic 130.6 240.4 336.6 211.6 278.3 Foreign 12 8.5 9.6 6.6 32.9b. Savings 57.8 134.5 252.1 493.1 1250 2333.3 3856.8 3187.4 4480.5 Domestic 1246.2 2322.6 3832.7 3173.2 4454.7 Foreign 3.8 10.7 24.1 14.2 25.8c. Fixed 612.0 736.2 921.6 1227.3 1914.8 2604.9 2733.4 2816.4 2490.8 Domestic 1897.1 2362.9 2542.5 2610.1 2304.5 Foreign 17.7 242 190.9 206.3 186.3d. Call Deposits 0.0 69.9 530.6 892.0 2209.3 2586 2269.1 2304.5 1848.6e. Others 3.2 4.9 20.9 70.8 69.8 120.2 269.5 126.5 196.3


1. Sundry Creditors 92.5 64.1 10.7 14.7 115.5 2. Loan Loss Provision 67.3 77.4 229.3 144.3 178 3. Interest Suspense a/c 26.8 47.6 42.9 47.7 63.7 4. Others 16.9 55.5 76.4 123.6 33.8 82.4 165.4 161 139

7 Reconcillation A/c 13614.6 0 0 08 Profit & Loss A/c 116.3 159.7 93 31.3 261.2

801.0 1187.6 2431.5 3496.3 20254.2 9255.8 11197.1 10317.1 11441.01 LIQUID FUNDS 151.5 265.2 421.7 560.3 746.2 1518.2 1434.1 1384.4 1523.5

a. Cash Balance 21.6 31.5 45.6 64.8 121.6 280.4 386 305.6 351.2 Nepalese Notes & Coins 17.9 26.7 37.7 58.9 109.0 262.4 364.4 284.4 329.3 Foreign Currency 3.7 4.8 7.9 5.9 12.6 18.0 21.6 21.2 21.9b. Bank Balance 89.9 194.6 156.1 345.5 609.6 519.4 898.1 599 522.3 1. In Nepal Rastra Bank 37.4 110.8 88.9 136.7 463.3 489.1 785.7 531.9 337.6 Domestic Currency 456 480.7 777.5 526.5 328.2 Foreign Currency 7.3 8.4 8.2 5.4 9.4 2. "A"Class Licensed Institution 6.8 47.0 27.7 54.7 102.4 13 38.4 41.4 103.1 Domestic Currency 101.4 24 36.7 40.2 101.2 Foreign Currency 1 -11 1.7 1.2 1.9 3. Other Financial Ins. 0 0 51 10 11 4. In Foreign banks 45.7 36.8 39.5 154.1 43.9 17.3 23 15.7 70.6c.Money at Call 40.0 39.1 220.0 150.0 15 718.4 150 479.8 650 Domestic Currency 15 525 150 430 650 Foreign Currency 0 193.4 49.8 0


3 SHARE & OTHER INVESTMENT 7.5 28.9 319.0 203.1 341.3 286.9 871.2 388.5 468.8 1. Non Residents 274.3 274.6 246.8 294.5 2.Others 67 12.3 871.2 141.7 174.3


5 BILL PURCHED 0.6 1.8 1.9 2.7 80.2 113.2 45.0 67.7 140.5 a. Domestic Bills Purchased 71.2 104.2 17 45 95.4 b. Foreign Bills Purchased 0.6 1.8 1.9 2.7 9 9 28 23 45 c. Import Bills & Imports 0.0 0.0 0.0 0.0 0.0




10 Expenses not Written off 48.4 54.4 64.6 59.5 71.311 Non Banking Assets 5.8 18.6 3.4 12.5 7.612 Reconcillation Account 13614.6 0 0 0 013 Profit & Loss A/c 0 0 0 0 0

801.0 1187.6 2431.5 3496.3 20254.2 9255.8 11197.1 10317.1 11441.0

Mid-Jan

Table No. 20SOURCES AND USES OF FUND OF MACHHAPUCHHRE BANK LIMITED.

USES OF FUNDS

SOURCES OF FUNDS

Mid-July

20

(Rs. in million)


c. Share Premium 0 0 0 0 0d. Retained Earning -2.9 -2.9 -2.9 17.2 8.0 19.6 8.0 189.9e. Others Reserves 0.0 0.2 1.2 4.0 26.3 100 37.5 100 37.502F. Exchange FluctuationFund 3.7 3.7 5.3 3.7 5.331

2 BORROWINGS 0.0 32.0 0.0 0.0 401.8 224.4 213 271.2 1005 a. NRB 0.0 32.0 0.0 0.0 0 0 0 0 0

b. "A"Class Licensed Institution 0.0 0.0 0.0 0.0 401.8 224.4 213 271.2 1005c. Foreign Bank and Fin.Ins. 0.0 0.0 0.0 0.0 0 0 0 0 0d.Other Financial Ins. 0.0 0.0 0.0 0 0 0 0 0e. Bonds and Securities 0

3 DEPOSITS 316.0 1180.0 2513.1 4816.5 6270.1 7800.4 10560 9761 11486.76a. Current 37.3 84.1 135.1 250.8 280.3 355.2 401 263.8 467.338 Domestic 260.4 344.9 382.4 246.9 436.7 Foreign 19.9 10.3 18.6 16.9 30.638b. Savings 75.4 260.9 461.9 910.9 1515.5 2317.9 4469 3479.6 4219.436 Domestic 1488.4 2265.3 4319.8 3371.4 4042.774 Foreign 27.1 52.6 149.2 108.2 176.662c. Fixed 86.8 332.3 795.4 1292.4 2302.1 3189.9 2772.2 2722.5 3706.222 Domestic 2282.5 2983.1 2650.4 2453 3487.649 Foreign 19.6 206.8 121.8 269.5 218.573d. Call Deposits 105.0 482.7 1093.3 2299.9 2102.8 1880.7 2827.7 3210.3 2958.54e. Others 11.5 20.0 27.4 62.5 69.4 56.7 90.1 84.8 135.225

4 Bills Payable 7.3 11.9 16.6 21.4 54.46 Other Liabilities 8.6 52.4 205.6 412.1 363 444.2 391.9 461.1 570.061


7 Reconcillation A/c 0 0 0 08 Profit & Loss A/c 93.6 142.9 279.7 273.2 149.7

674.6 1611.7 3067.3 5730.0 7695.5 9390.6 12324.4 11554.7 14299.41 LIQUID FUNDS 271.8 129.2 291.7 1067.4 513.2 813.6 1424.6 1489.6 1294.757

a. Cash Balance 18.8 30.3 40.8 68.5 111.2 135.8 190.8 123.2 204.831 Nepalese Notes & Coins 16.5 23.4 38.6 64.8 107.9 129.9 178.6 116.4 179.8 Foreign Currency 2.3 6.9 2.2 3.7 3.3 5.9 12.2 6.8 25.0b. Bank Balance 153.0 98.9 250.9 617.0 332.1 252.5 481.4 630.9 701.214 1. In Nepal Rastra Bank 86.0 50.9 224.0 524.6 219.8 209.2 384.8 556.6 641.334 Domestic Currency 211.1 207.8 368.1 552.6 613.23 Foreign Currency 8.7 1.4 16.7 4 28.104 2. "A"Class Licensed Institution 37.3 1.3 2.2 10.5 5.5 6 5.6 16.9 19.446 Domestic Currency 3.8 4.7 2.8 12.2 15.045 Foreign Currency 1.7 1.3 2.8 4.7 4.401 3. Other Financial Ins. 0 0 0 0 0 4. In Foreign banks 29.7 46.7 24.7 81.9 106.8 37.3 91 57.4 40.434c.Money at Call 100.0 0.0 0.0 381.9 69.9 425.3 752.4 735.5 388.712 Domestic Currency 0 145 372.2 320 15 Foreign Currency 69.9 280.3 380.2 415.5 373.712

2 INVESTMENTS 19.8 116.7 236.0 601.9 1220.7 1114.3 1297.9 1114.3 944.0a. Govt.Securities 19.8 116.7 236.0 601.9 1120.3 1114.3 1297.9 1114.3 943.953b. NRB Bond 0c. Govt.Non-Fin. Ins. 100.4 0 0 0 0d. Other Non-Fin Ins. 0e Non Residents 0

3 SHARE & OTHER INVESTMENT 0.0 138.3 187.5 0.0 120.0 0.4 0.4 0.4 0.4 1. Non Residents 0 0 0 0 0 2.Others 120 0.4 0.4 0.4 0.35


5 BILL PURCHED 1.6 1.4 2.0 0.0 37.7 91.8 51.5 112.7 83.9 a. Domestic Bills Purchased 4.6 21 22.5 40.4 47.565 b. Foreign Bills Purchased 1.6 1.4 2.0 0.0 6.9 70.8 29 72 36 c. Import Bills & Imports 26.2 0.0 0.0 0.0 0.0

6 LOANS AGAINST COLLECTED BILLS 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 a. Against Domestic Bills 0.0 b. Against Foreign Bills 0



10 Expenses not Written off 0 0 0.1 0.1 011 Non Banking Assets 0 4.8 4.8 4.8 7.38112 Reconcillation Account 0.3 0 11.2 5.17413 Profit & Loss A/c 0 0 0 0 0

674.6 1611.7 3067.3 5730.0 7695.5 9390.6 12324.4 11554.7 14299.4

Mid-Jan

Table No. 21SOURCES AND USES OF FUND OF KUMARI BANK LIMITED.

USES OF FUNDS

SOURCES OF FUNDS

Mid-July

21

(Rs. in million)

2002 2003 2004 2005 2006 2007 2007 20081 CAPITAL FUND 275.0 330.0 550.0 612.8 618.1 798.8 678.9 866.7 a. Paid-up Capital 275.0 330.0 549.2 609.8 609.8 729.7 609.8 732.0 b. General Reserve 0.0 0.0 0.2 2.3 7.6 14.7 14.7 27.78

c. Share Premium 0 0 0 0 0d. Retained Earning 0.0 0.0 0.0 0.0 0.0 0.0 0.0 52.1e. Others Reserves 0.0 0.0 0.6 0 0 53.4 53.4 53.42F. Exchange FluctuationFund 0.7 0.7 1 1 1.362

2 BORROWINGS 0.0 70.0 317.0 17.7 29.8 0 0 450 a. NRB 0.0 0.0 0.0 0 0 0 0

b. "A"Class Licensed Institution 0.0 70.0 279.8 17.7 29.8 0 450c. Foreign Bank and Fin.Ins. 0.0 0.0 37.2 0 0 0 0d.Other Financial Ins. 0.0 0.0 0.0 0 0 0 0e. Bonds and Securities 0 0

3 DEPOSITS 112.6 691.8 1684.3 3028.6 4444.3 7611.7 5571.3 8987.55a. Current 2.8 49.7 211.1 429.4 94.6 378.6 173.8 302.88 Domestic 404.4 84.5 360.9 143.7 284.8 Foreign 25 10.1 17.7 30.1 18.08b. Savings 17.9 98.5 185.5 446.7 1000.1 1857.2 1411 2244.6 Domestic 442.1 985 1784.7 1328.6 2124.2 Foreign 4.6 15.1 72.5 82.4 120.4c. Fixed 64.5 288.6 1082.9 1779.2 2657.6 4256.2 3482.4 4528.9 Domestic 1729.7 2642.7 4117.5 3390 4335.5 Foreign 49.5 14.9 138.7 92.4 193.4d. Call Deposits 24.4 247.2 187.8 346.8 651 947.3 415.3 1806.5e. Others 3.0 7.8 17.0 26.5 41 172.4 88.8 104.67

4 Bills Payable 31.4 85 55.4 10.2 3.16 Other Liabilities 1.9 20.3 70.4 196.1 268.1 269.1 212.6 405.038

1. Sundry Creditors 58.4 73.9 21.2 58.7 45 2. Loan Loss Provision 60.4 69.8 91.8 83.7 113.4 3. Interest Suspense a/c 2.1 10.1 15.5 21.1 19.38 4. Others 1.9 20.3 70.4 75.2 114.3 140.6 49.1 227.258

7 Reconcillation A/c8 Profit & Loss A/c 49.6 63.8 65.5 39.1 60.07

389.5 1112.1 2621.7 3936.2 5509.1 8800.5 6512.1 10772.51 LIQUID FUNDS 222.8 168.5 490.8 529.1 225.2 482.7 503.1 541.416

a. Cash Balance 3.0 16.0 37.0 105.9 66.6 119.4 101.1 115.662 Nepalese Notes & Coins 2.8 15.2 35.4 101.7 64.3 109.2 91.9 107.5 Foreign Currency 0.2 0.8 1.6 4.2 2.3 10.2 9.2 8.2b. Bank Balance 165.8 137.5 342.6 358.6 158.6 350.3 330.7 425.754 1. In Nepal Rastra Bank 40.7 80.1 222.6 254.9 132.4 323.7 278.8 386.302 Domestic Currency 252 128.5 319 255 390.593 Foreign Currency 2.9 3.9 4.7 23.8 -4.291 2. "A"Class Licensed Institution 107.2 26.6 68.8 32.6 8.4 4.1 17.9 20.138 Domestic Currency 31.5 8.2 4.1 17.1 20.138 Foreign Currency 1.1 0.2 0.8 0 3. Other Financial Ins. 0 0 0 0 0 4. In Foreign banks 17.9 30.8 51.2 71.1 17.8 22.5 34 19.314c.Money at Call 54.0 15.0 111.2 64.6 0 13 71.3 0 Domestic Currency 1 0 13 0 0 Foreign Currency 63.6 0 71.3 0

2 INVESTMENTS 30.0 95.0 283.9 401.0 425.0 977.8 258.2 285.8a. Govt.Securities 30.0 95.0 283.9 401 425 977.8 258.2 285.828b. NRB Bond 0c. Govt.Non-Fin. Ins. 0d. Other Non-Fin Ins. 0e Non Residents 0

3 SHARE & OTHER INVESTMENT 0.0 0.0 0.0 13.4 155.6 459.3 154.1 1069.8 1. Non Residents 0 0 0 0 0 2.Others 13.4 155.6 459.3 154.1 1069.757

4 LOANS & ADVANCES 124.1 764.0 1701.0 2700.8 4274.3 6527.5 5316.5 8358.4a. Govt. Entp. 50.0 0.0 0.0 0 125 153 129 53b. Pvt. Sector 74.1 764.0 1701.0 2701 4150 6374 5188 8306c. Financial Institutions

5 BILL PURCHED 0.0 12.2 49.8 35.2 0.3 1.7 39.5 5.2 a. Domestic Bills Purchased 0 0 1.7 15.2 5.172 b. Foreign Bills Purchased 0.0 12.2 49.8 35.2 0.3 24 0 c. Import Bills & Imports 0.0 0.0 0.0 0.0 0.0

6 LOANS AGAINST COLLECTED BILLS 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 a. Against Domestic Bills 0.0 b. Against Foreign Bills 0

8 FIXED ASSETS 149.0 162.3 194.5 136.9 212.19 OTHER ASSETS 12.6 72.4 96.2 83.6 243.6 145.8 89.5 296.1

a. Accrued Interests 0.7 5.2 14.9 23.0 28.1 24.9 32.7 48.1 Govt. Entp. 0.0 0.3 0.0 0.0 0.0 0.1 0.5 0.1 Private Sector 0.7 4.9 14.9 23.0 28.1 24.8 32.2 48.0 b. Staff Loans / Adv. 12.7 25.6 12.9 25.7 c. Sundry Debtors 9.7 59.3 5.8 84.6 d. Cash In Transit 0.0 0.0 0.0 0.0 e. Others 11.9 67.2 81.3 50.9 143.5 95.3 38.1 137.67

10 Expenses not Written off 21.3 15.6 10.4 13.6 1.82911 Non Banking Assets 2.8 7.2 0.8 0.7 1.83212 Reconcillation Account 0 0 0 0 013 Profit & Loss A/c 0 0 0 0 0

389.5 1112.1 2621.7 3936.2 5509.1 8800.5 6512.1 10772.4USES OF FUNDS

SOURCES OF FUNDS

Mid-July

Table No. 22SOURCES AND USES OF FUND OF LAXMI BANK LIMITED.

Mid-Jan

22

(Rs. in million)

2003 2004 2005 2006 2007 2007 20081 CAPITAL FUND 350.0 350.0 377.2 537.9 703.2 603.2 793.7 a. Paid-up Capital 350.0 350.0 350.0 500.0 600.0 500.0 600.0 b. General Reserve 0.0 0.0 0 37.9 27.1 27.1 46.168

c. Share Premium 0 0 0 0 0d. Retained Earning 0.0 0.0 27.2 0.0 0.0 0.0 0.0e. Others Reserves 0.0 0.0 0 0 74.9 74.9 146.191F. Exchange FluctuationFund 0 0 1.2 1.2 1.352

2 BORROWINGS 110.0 220.0 190 181.2 430 176.3 601.455 a. NRB 0.0 0.0 0 70 270

b. "A"Class Licensed Institution 110.0 220.0 190 111.2 430 176.3 331.455c. Foreign Bank and Fin.Ins. 0.0 0.0 0 0 0d.Other Financial Ins. 0.0 0.0 0 0 0e. Bonds and Securities 0 0

3 DEPOSITS 391.6 1291.3 2461.9 3918.1 6625.2 5031.6 8275.554a. Current 49.8 58.8 85.7 82.3 150.8 114.5 179.226 Domestic 81.6 79.1 137.5 111.7 172.854 Foreign 4.1 3.2 13.3 2.8 6.372b. Savings 64.2 267.6 525.7 1128.4 1881.7 1435.5 2412.921 Domestic 523.7 1120.4 1872.3 1426.6 2397.458 Foreign 2 8 9.4 8.9 15.463c. Fixed 66.9 537.2 1196.5 1632.1 3022.6 2256.5 3846.747 Domestic 1169.8 1617.3 3009.6 2242.3 3833.538 Foreign 26.7 14.8 13 14.2 13.209d. Call Deposits 189.7 393.4 620.9 1029.6 1493.3 1164.8 1741.511e. Others 21.0 34.3 33.1 45.7 76.8 60.3 95.149

4 Bills Payable 7.3 1.2 10.5 1.56 Other Liabilities 23.8 93.4 110.1 160.5 255.7 223.2 424.917

1. Sundry Creditors 20.3 27.2 67.4 39.5 171.305 2. Loan Loss Provision 62.4 73.9 99.3 80.2 110.66 3. Interest Suspense a/c 3.9 18.5 18.1 21.7 19.39 4. Others 23.8 93.4 23.5 40.9 70.9 81.8 123.562

7 Reconcillation A/c 4 1.6 1259.7 5.2 -2.28 Profit & Loss A/c 42.7 100.1 157.5 65.8 116.014

875.4 1954.7 3193.2 4900.6 9441.8 6105.3 10211.01 LIQUID FUNDS 97.1 246.7 170 362.1 732.8 405.2 520.676

a. Cash Balance 9.3 18.3 33.4 65 130.4 67 79.571 Nepalese Notes & Coins 8.6 17.1 32.8 62.3 126.4 60.8 75.7 Foreign Currency 0.7 1.2 0.6 2.7 4.0 6.2 3.8b. Bank Balance 55.7 53.6 104.1 57.1 376 234 437.105 1. In Nepal Rastra Bank 42.6 35.4 45.6 48.8 380.7 222.4 450.026 Domestic Currency 45.1 47.2 378.9 223.5 448.511 Foreign Currency 0.5 1.6 1.8 -1.1 1.515 2. "A"Class Licensed Institution 0.5 1.8 21.2 8.3 -4.7 11.6 12.071 Domestic Currency 21.2 5.2 3 6.9 12.071 Foreign Currency 0 3.1 -7.7 4.7 0 3. Other Financial Ins. 0 0 0 0 0 4. In Foreign banks 12.6 16.4 37.3 0 0 0 -24.992c.Money at Call 32.1 174.8 32.5 240 226.4 104.2 4 Domestic Currency 30 0 40 104.2 4 Foreign Currency 2.5 240 186.4 0

2 INVESTMENTS 3.8 42.1 277.1 394.6 625.7 330.9 371.3a. Govt.Securities 3.8 42.1 277.1 394.6 625.7 330.9 371.306b. NRB Bond 0c. Govt.Non-Fin. Ins. 0d. Other Non-Fin Ins. 0e Non Residents 0

3 SHARE & OTHER INVESTMENT 70.0 0.0 0.0 112.6 242.4 315.2 839.8 1. Non Residents 0 0 0 0 0 2.Others 0 112.6 242.4 315.2 839.815

4 LOANS & ADVANCES 629.0 1567.9 2634.9 3869.3 6319.8 4811.7 8029.9a. Govt. Entp. 0.0 0.0 0 0 0 0 0b. Pvt. Sector 629.0 1567.9 2635 3869 6296 4809 8024c. Financial Institutions 23.5 3 5.8

5 BILL PURCHED 0.0 0.0 0.2 0.0 0.1 0.1 0.0 a. Domestic Bills Purchased 0 0 0.1 0.1 b. Foreign Bills Purchased 0.2 0 0 0 c. Import Bills & Imports 0.0 0.0 0.0 0.0

6 LOANS AGAINST COLLECTED BILLS 0.0 0.0 0.0 0.0 0.0 0.0 0.0 a. Against Domestic Bills 0.0 b. Against Foreign Bills

8 FIXED ASSETS 52.3 74.1 95.0 89.2 109.19 OTHER ASSETS 75.5 98.0 47.3 84.6 148.7 150.8 340.1

a. Accrued Interests 4.2 14.5 22.1 21.6 22.5 36.7 42.7 Govt. Entp. 0.0 0.0 0.0 0.0 0.0 0.0 0.0 Private Sector 4.2 14.5 22.1 21.6 22.5 36.7 42.7 b. Staff Loans / Adv. 0.0 0.0 0.0 72.5 c. Sundry Debtors 0.9 6.7 22.0 19.2 59.7 d. Cash In Transit 0.0 0.0 0.0 0.0 0.0 e. Others 71.3 83.5 24.3 56.3 104.2 94.9 165.279

10 Expenses not Written off 11.4 3.3 1.1 2.2 011 Non Banking Assets 0 0 14.2 0 012 Reconcillation Account 0 0 1262 0 013 Profit & Loss A/c 0 0 0 0 0

875.4 1954.7 3193.2 4900.6 9441.8 6105.3 10211.0

Mid-Jan

Table No. 23SOURCES AND USES OF FUND OF SIDDHARTHA BANK LIMITED.

USES OF FUNDS

SOURCES OF FUNDS

Mid-July

23

(Rs. in million)

2001 2002 2003 2004 2005 2006 2007 2007 20081 CAPITAL FUND 0.0 0.0 0.0 0.0 0.0 0.0 214.7 -588.2 3023.1 a. Paid-up Capital 0.0 0.0 7528.0 6478.0 9278.0 b. General Reserve 0 0 482.7 532.1 694.369

c. Share Premium 0 0 0 0 0d. Retained Earning 0.0 0.0 -7796.7 -7598.3 -6950.0e. Others Reserves 0 0 0.7 0 0.7F. Exchange FluctuationFund 0 0 0 0 0

2 BORROWINGS 0.0 0.0 0.0 0.0 619.5 0 374 400.1 312.479 a. NRB 0.0 0.0 0.0 0.0 0 0 142.6 121.2 119.2

b. "A"Class Licensed Institution 0.0 0.0 0.0 0.0 0 0 150 100 226.279c. Foreign Bank and Fin.Ins. 0.0 0.0 0.0 0.0 0 0 0 0 0d.Other Financial Ins. 0.0 0.0 0.0 619.5 0 81.4 178.9 -33e. Bonds and Securities 0

3 DEPOSITS 16640.9 20052.1 23005.9 26267.2 27100.1 29990.2 32406.9 31999.6 32614.73a. Current 1201.3 1294.9 1393.0 1630.0 1835.4 2367.8 2381.8 1979.8 2223.465 Domestic 1835.4 2367.8 2381.8 1979.8 2223.465 Foreign 0 0 0 0 0b. Savings 10257.3 11002.9 12732.2 14632.6 15121.7 16087.9 17922.4 17407.9 18446.07 Domestic 15121.7 16087.9 17922.4 17407.9 18446.07 Foreign 0 0 0 0 0c. Fixed 5182.3 7754.3 8756.2 9846.8 10087 11443.4 12102.5 12511.9 11945.19 Domestic 10087 11443.4 12102.5 12511.9 11945.19 Foreign 0 0 0 0 0d. Call Deposits 0.0 0.0 0.0 0.0 56 91.1 0.2 100 0e. Others 0.0 0.0 124.5 157.8 0 0 0 0 0

4 Bills Payable 20.5 18.26 Other Liabilities 532.1 821.4 1541.6 8533.6 2731 3593.7 17790.5 22224.3 22121.26

1. Sundry Creditors 460.7 684.1 2876 4175.9 7501.32 2. Loan Loss Provision 1182.8 1638.2 7071.9 7942.9 7451.686 3. Interest Suspense a/c 1080.9 1264 5624.3 7128.8 5239.312 4. Others 532.1 821.4 1541.6 8533.6 6.6 7.4 2218.3 2976.7 1928.937

7 Reconcillation A/c 3068.6 0 1257.9 0 2742.28 Profit & Loss A/c 158.9 0 1452.9 109.8 395.5

17173.0 20873.5 24547.5 34800.8 33698.6 33602.1 53496.9 54145.6 61209.31 LIQUID FUNDS 2244.8 1911.0 2035.0 2312.6 2300 3679.9 3517 4914.6 5945.268

a. Cash Balance 458.5 528.8 618.7 473.5 601.7 599.8 748.9 700.3 1395.925 Nepalese Notes & Coins 448.0 517.2 612.5 470.0 600.1 599.8 747.1 699.6 1394.6 Foreign Currency 10.5 11.6 6.2 3.5 1.6 0.0 1.8 0.7 1.3b. Bank Balance 1786.3 1382.2 1416.3 1839.1 1694.8 3080.1 2768.1 4214.3 4549.343 1. In Nepal Rastra Bank 1498.4 1110.9 1161.4 1532.4 1487 2492.5 1951.9 3373.4 2416.637 Domestic Currency 1487 2492.5 1951.9 3373.4 2416.637 Foreign Currency 0 0 0 0 0 2. "A"Class Licensed Institution 287.9 271.3 254.9 306.7 207.8 584.6 660.1 791.9 2069.887 Domestic Currency 207.8 584.6 660.1 791.9 2069.887 Foreign Currency 0 0 0 0 0 3. Other Financial Ins. 0 0 156.1 43 0 4. In Foreign banks 0 3 6 62.819c.Money at Call 3.5 0 0 0 0 Domestic Currency 3.5 0 0 0 0 Foreign Currency 0 0 0 0 0

2 INVESTMENTS 0.0 0.0 0.0 0.0 0.2 0.0 1759.6 613.3 3400.1a. Govt.Securities 0.2 0 1759.6 613.3 3400.095b. NRB Bond 0c. Govt.Non-Fin. Ins. 0d. Other Non-Fin Ins. 0e Non Residents 0

3 SHARE & OTHER INVESTMENT 0.0 0.0 653.3 1552.3 2074.1 1. Non Residents 0 2.Others 0 0 653.3 1552.3 2074.134

4 LOANS & ADVANCES 5700.5 6847.8 8794.7 9221.2 10746.4 11040.6 34225.0 33269.1 35522.6a. Govt. Entp. 0.0 0.0 0.0 0.0 0 0 100 100 100b. Pvt. Sector 5700.5 6847.8 8794.7 9221.2 10746 11041 34125 33169 35423c. Financial Institutions

5 BILL PURCHED 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 a. Domestic Bills Purchased 0 0 0 0 b. Foreign Bills Purchased 0 0 0 0 c. Import Bills & Imports 0.0 0.0 0.0 0.0 0.0



a. Accrued Interests 150.5 91.1 834.7 958.4 1096.4 1264.0 5624.3 7128.8 5239.3 Govt. Entp. 0.0 0.0 0.0 0.0 0.0 Private Sector 150.5 91.1 834.7 958.4 1096.4 1264.0 5624.3 7128.8 5239.3 b. Staff Loans / Adv. 293.3 1311.2 1634.3 2244.5 c. Sundry Debtors 332.7 412.8 4301.7 1594.7 4317.9 d. Cash In Transit 0.0 0.0 52.0 0.0 761.1 e. Others 9077.2 12023.6 12883.1 22308.6 492.5 5.5 330.3 808.8 18.464

10 Expenses not Written off 0 0 0 0 011 Non Banking Assets 231 168 855.3 870.2 886.512 Reconcillation Account 18376.3 16140.6 787.5 013 Profit & Loss A/c 464.1 0

17173.0 20873.5 24547.5 34800.8 33698.6 33602.1 53496.9 54145.6 61209.3

Mid-Jan

Table No. 24SOURCES AND USES OF FUND OF AGRICULTURAL DEVELOPMENT BANK LIMITED

USES OF FUNDS

SOURCES OF FUNDS

Mid-July

24

(Rs. in million)Mid-July

2007 2007 20081 CAPITAL FUND 510.0 510.0 663.6 a. Paid-up Capital 510.0 510.0 700.0 b. General Reserve 0 0

c. Share Premium 0 0d. Retained Earning -36.4e. Others Reserves 0 0 0F. Exchange FluctuationFund 0 0

2 BORROWINGS 30 1 180.058 a. NRB 0 0

b. "A"Class Licensed Institution 1 180.058c. Foreign Bank and Fin.Ins. 0 0d.Other Financial Ins. 30 0 0e. Bonds and Securities 0 0

3 DEPOSITS 3021.4 11.1 4394.148a. Current 195 0.3 132.196 Domestic 187.5 0.3 120.065 Foreign 7.5 12.131b. Savings 595.5 6.1 848.588 Domestic 576.1 6.1 827.571 Foreign 19.4 21.017c. Fixed 1363.8 0.2 2000.196 Domestic 1285.3 0.2 1923 Foreign 78.5 77.196d. Call Deposits 811.1 1349.087e. Others 56 4.5 64.081

4 Bills Payable 06 Other Liabilities 51.5 4 101.224

1. Sundry Creditors 16.3 3.6 43.388 2. Loan Loss Provision 26 39.053 3. Interest Suspense a/c 0.082 4. Others 9.2 0.4 18.701

7 Reconcillation A/c8 Profit & Loss A/c 36.23

3612.9 526.1 5375.21 LIQUID FUNDS 485.3 486.2 576.89

a. Cash Balance 66.7 9.7 55.187 Nepalese Notes & Coins 62.6 9.7 50.1 Foreign Currency 4.1 5.0b. Bank Balance 406.4 76.5 326.583 1. In Nepal Rastra Bank 304.2 63.5 204.537 Domestic Currency 303.2 63.5 200.861 Foreign Currency 1 3.676 2. "A"Class Licensed Institution 21.6 5 16.633 Domestic Currency 14.7 5 9.998 Foreign Currency 6.9 6.635 3. Other Financial Ins. 36.3 0 77.63 4. In Foreign banks 44.3 8 27.783c.Money at Call 12.2 400 195.12 Domestic Currency 400 0 Foreign Currency 12.2 195.12

2 INVESTMENTS 124.6 0.0 124.6a. Govt.Securities 124.6 124.617b. NRB Bond 0c. Govt.Non-Fin. Ins. 0d. Other Non-Fin Ins. 0e Non Residents 0

3 SHARE & OTHER INVESTMENT 252.7 0.0 622.0 1. Non Residents 118.8 0 2.Others 133.9 622

4 LOANS & ADVANCES 2597.3 0.0 3874.5a. Govt. Entp. 103 120b. Pvt. Sector 2495 3755c. Financial Institutions

5 BILL PURCHED 3.0 0.0 23.7 a. Domestic Bills Purchased 3 23.732 b. Foreign Bills Purchased 0 c. Import Bills & Imports 0.0

6 LOANS AGAINST COLLECTED BILLS 1.4 0.0 6.1 a. Against Domestic Bills 1.4 5.4 b. Against Foreign Bills 0.668

8 FIXED ASSETS 72.5 25.1 79.99 OTHER ASSETS 41.9 8.2 58.2

a. Accrued Interests 3.6 0.1 10.4 Govt. Entp. 0.0 Private Sector 3.6 0.1 10.4 b. Staff Loans / Adv. 10.1 1.6 26.2 c. Sundry Debtors 10.0 13.0 d. Cash In Transit 0.0 e. Others 18.2 6.5 8.574

10 Expenses not Written off 10.2 6.6 9.30811 Non Banking Assets 0 0 012 Reconcillation Account 0 0 013 Profit & Loss A/c 24 0 0

3612.9 526.1 5375.3

Mid-Jan

Table No.25SOURCES AND USES OF FUND OF GLOBAL BANK LIMITED

USES OF FUNDS

SOURCES OF FUNDS

25

(Rs. in million)Mid-July Mid-Jan

2007 20081 CAPITAL FUND 560.0 544.7 a. Paid-up Capital 560.0 560.0 b. General Reserve 0

c. Share Premium 0d. Retained Earning -15.3e. Others Reserves 0 0F. Exchange FluctuationFund 0

2 BORROWINGS 1372.6 1129.753 a. NRB 0

b. "A"Class Licensed Institution 1372.6 1129.753c. Foreign Bank and Fin.Ins. 0d.Other Financial Ins. 0e. Bonds and Securities 0

3 DEPOSITS 1553.1 4341.567a. Current 74.6 156.4 Domestic 74.1 148.2 Foreign 0.5 8.2b. Savings 97.7 423.398 Domestic 96.8 394.935 Foreign 0.9 28.463c. Fixed 958.9 2877.176 Domestic 686 2877.176 Foreign 272.9 0d. Call Deposits 421.9 884.593e. Others 0

4 Bills Payable 1.3 2.66 Other Liabilities 233.3 108.02

1. Sundry Creditors 195.5 11.421 2. Loan Loss Provision 20.5 29.88 3. Interest Suspense a/c 0.9 3.894 4. Others 16.4 62.825

7 Reconcillation A/c8 Profit & Loss A/c 41.912

3720.3 6168.51 LIQUID FUNDS 927.9 324.248

a. Cash Balance 46.1 49.435 Nepalese Notes & Coins 45.8 46.5 Foreign Currency 0.3 2.9b. Bank Balance 91.5 83.509 1. In Nepal Rastra Bank 67.5 71.84 Domestic Currency 66.3 69.569 Foreign Currency 1.2 2.271 2. "A"Class Licensed Institution 20 8.362 Domestic Currency 10.9 7.003 Foreign Currency 9.1 1.359 3. Other Financial Ins. 0 4. In Foreign banks 4 3.307c.Money at Call 790.3 191.304 Domestic Currency 790.3 191.304 Foreign Currency 0

2 INVESTMENTS 0.0 0.0a. Govt.Securities b. NRB Bond 0c. Govt.Non-Fin. Ins. 0d. Other Non-Fin Ins. 0e Non Residents

3 SHARE & OTHER INVESTMENT 431.0 1441.5 1. Non Residents 2.Others 431 1441.536

4 LOANS & ADVANCES 2046.7 4085.2a. Govt. Entp. 5 149b. Pvt. Sector 2042 3936c. Financial Institutions

5 BILL PURCHED 0.0 0.0 a. Domestic Bills Purchased b. Foreign Bills Purchased c. Import Bills & Imports 0.0

6 LOANS AGAINST COLLECTED BILLS 0.0 0.0 a. Against Domestic Bills 0.0 b. Against Foreign Bills

8 FIXED ASSETS 75.2 78.89 OTHER ASSETS 224.6 238.8

a. Accrued Interests 207.5 25.2 Govt. Entp. 0.8 Private Sector 207.5 24.4 b. Staff Loans / Adv. 0.1 0.9 c. Sundry Debtors 0.3 8.2 d. Cash In Transit 0.0 e. Others 16.7 204.497

10 Expenses not Written off 011 Non Banking Assets 0 012 Reconcillation Account 0 013 Profit & Loss A/c 14.9 0

3720.3 6168.6USES OF FUNDS

SOURCES OF FUNDS

Table No.26SOURCES AND USES OF FUND OF CITIZENS BANK INTERNATIONAL LIMITED

26

(Rs. in million)Mid-Jan

20081 CAPITAL FUND 700.0 a. Paid-up Capital 700.0 b. General Reserve 0

c. Share Premium 0d. Retained Earning 0.0e. Others Reserves 0F. Exchange FluctuationFund 0

2 BORROWINGS 50 a. NRB 0

b. "A"Class Licensed Institution 50c. Foreign Bank and Fin.Ins. 0d.Other Financial Ins. 0e. Bonds and Securities 0

3 DEPOSITS 2547.15a. Current 83.632 Domestic 83.632 Foreign 0b. Savings 837.317 Domestic 836.956 Foreign 0.361c. Fixed 1208.819 Domestic 1208.819 Foreign 0d. Call Deposits 408.116e. Others 9.266

4 Bills Payable 9.26 Other Liabilities 46.914

1. Sundry Creditors 0.391 2. Loan Loss Provision 28.395 3. Interest Suspense a/c 0.101 4. Others 18.027

7 Reconcillation A/c 08 Profit & Loss A/c 0

3353.31 LIQUID FUNDS 293.779

a. Cash Balance 60.395 Nepalese Notes & Coins 58.1 Foreign Currency 2.3b. Bank Balance 233.384 1. In Nepal Rastra Bank 204.773 Domestic Currency 204.336 Foreign Currency 0.437 2. "A"Class Licensed Institution 28.611 Domestic Currency 23.783 Foreign Currency 4.828 3. Other Financial Ins. 0 4. In Foreign banks 0c.Money at Call 0 Domestic Currency 0 Foreign Currency 0

2 INVESTMENTS 0.0a. Govt.Securities b. NRB Bond 0c. Govt.Non-Fin. Ins. 0d. Other Non-Fin Ins. 0e Non Residents

3 SHARE & OTHER INVESTMENT 130.0 1. Non Residents 2.Others 130

4 LOANS & ADVANCES 2839.5a. Govt. Entp.b. Pvt. Sector 2839c. Financial Institutions

5 BILL PURCHED 0.1 a. Domestic Bills Purchased b. Foreign Bills Purchased 0 c. Import Bills & Imports 0.0

6 LOANS AGAINST COLLECTED BILLS 0.0 a. Against Domestic Bills 0.0 b. Against Foreign Bills

8 FIXED ASSETS 39.99 OTHER ASSETS 29.3

a. Accrued Interests 0.6 Govt. Entp. 0.0 Private Sector 0.6 b. Staff Loans / Adv. 4.5 c. Sundry Debtors 0.0 d. Cash In Transit 0.0 e. Others 24.181

10 Expenses not Written off 12.07911 Non Banking Assets 012 Reconcillation Account 013 Profit & Loss A/c 8.633

3353.3

Table No.27

USES OF FUNDS

SOURCES OF FUNDS

SOURCES AND USES OF FUND OF PRIME COMMERCIAL BANK LIMITED

27




2 BORROWINGS 407.024 a. NRB 190

b. "A"Class Licensed Institution 198.046c. Foreign Bank and Fin.Ins. 0d.Other Financial Ins. 18.978e. Bonds and Securities 0

3 DEPOSITS 1518.855a. Current 22.038 Domestic 21.77 Foreign 0.268b. Savings 197.857 Domestic 184.218 Foreign 13.639c. Fixed 476.788 Domestic 348.789 Foreign 127.999d. Call Deposits 815.529e. Others 6.643


1. Sundry Creditors 0 2. Loan Loss Provision 10.542 3. Interest Suspense a/c 1.12 4. Others 20.181

7 Reconcillation A/c 439.8148 Profit & Loss A/c

3097.71 LIQUID FUNDS 855.084

a. Cash Balance 24.335 Nepalese Notes & Coins 24.0 Foreign Currency 0.3b. Bank Balance 371.947 1. In Nepal Rastra Bank 84.175 Domestic Currency 83.767 Foreign Currency 0.408 2. "A"Class Licensed Institution 23.334 Domestic Currency 19.119 Foreign Currency 4.215 3. Other Financial Ins. 255.638 4. In Foreign banks 8.8c.Money at Call 458.802 Domestic Currency 405.05 Foreign Currency 53.752

2 INVESTMENTS 228.0a. Govt.Securities 228b. NRB Bond 0c. Govt.Non-Fin. Ins. 0d. Other Non-Fin Ins. 0e Non Residents

3 SHARE & OTHER INVESTMENT 421.3 1. Non Residents 2.Others 421.275


5 BILL PURCHED 1.4 a. Domestic Bills Purchased b. Foreign Bills Purchased 1 c. Import Bills & Imports 0.0




10 Expenses not Written off 011 Non Banking Assets 012 Reconcillation Account 440.08113 Profit & Loss A/c 13.15

3097.8

Table No.28

USES OF FUNDS

SOURCES OF FUNDS

SOURCES AND USES OF FUND OF SUNRISE BANK LIMITED

28




2 BORROWINGS 253.16 a. NRB 0

b. "A"Class Licensed Institution 250c. Foreign Bank and Fin.Ins. 3.16d. Other Financial Ins. 0e. Bonds and Securities 0

3 DEPOSITS 3394.622a. Current 30 Domestic 30 Foreign 0b. Savings 100.807 Domestic 100.807 Foreign 0c. Fixed 577.65 Domestic 577.65 Foreign 0d. Call Deposits 2679.08e. Others 7.085


1. Sundry Creditors 3.789 2. Loan Loss Provision 9.004 3. Interest Suspense a/c 0.187 4. Others 1.275

7 Reconcillation A/c 08 Profit & Loss A/c

4362.41 LIQUID FUNDS 355.089

a. Cash Balance 14.56 Nepalese Notes & Coins 13.6 Foreign Currency 0.9b. Bank Balance 290.529 1. In Nepal Rastra Bank 276.296 Domestic Currency 276.296 Foreign Currency 0 2. "A"Class Licensed Institution 1.427 Domestic Currency 0.167 Foreign Currency 1.26 3. Other Financial Ins. 0 4. In Foreign banks 12.806c.Money at Call 50 Domestic Currency 50 Foreign Currency 0

2 INVESTMENTS 57.3a. Govt.Securities 57.3b. NRB Bond 0c. Govt.Non-Fin. Ins. 0d. Other Non-Fin Ins. 0e Non Residents

3 SHARE & OTHER INVESTMENT 2983.0 1. Non Residents 2.Others 2982.971


5 BILL PURCHED 1.0 a. Domestic Bills Purchased 1 b. Foreign Bills Purchased c. Import Bills & Imports 0.0




10 Expenses not Written off 2.41911 Non Banking Assets 012 Reconcillation Account 013 Profit & Loss A/c 1.49

4362.5

Table No.29

USES OF FUNDS

SOURCES OF FUNDS

SOURCES AND USES OF FUND OF BANK OF ASIA NEPAL LIMITED

29

(Rs.In million) Expenses NBL RBB NABIL NINV SCBL HBL NSBIB NBBL EBL BOK NCCB LMBIB NICB MPBL KMBL LAXMI SDBL ADBL Global CITIZENS PRIME SUNRISE BOA Total 1 Interest Expenses 380.9 478.5 335.7 438.8 230.0 418.4 212.9 286.0 283.3 197.3 137.2 131.4 230.2 196.4 272.1 180.7 181.5 738.5 84.0 92.5 19.7 7.4 18.0 5551.1 1.1 Deposit Liabilities 318.7 478.5 300.4 409.5 225.5 408.4 206.3 195.8 274.3 182.7 137.2 128.8 230.2 195.9 201.8 169.9 169.2 730.7 80.8 70.1 19.3 6.4 16.3 5156.6 1.1.1 Saving A/c 229.4 312.7 116.1 130.4 136.2 163.7 44.3 122.5 121.0 70.8 71.4 67.1 60.2 75.5 58.4 39.9 45.7 246.4 17.0 1.0 4.8 0.8 0.2 2135.4 1.1.2 Fixed A/c 88.9 152.6 113.2 204.3 66.9 244.7 149.6 45.8 133.2 72.5 39.6 31.6 117.3 69.9 80.9 105.8 90.0 438.5 42.3 55.3 10.7 1.2 1.6 2356.4 1.1.2.1 Upto 3 Months Fixed A/c 88.9 9.8 10.8 0.0 66.9 66.6 2.6 0.8 246.2 1.1.2.2 3 to 6 Months fixed A/c 0.7 21.6 0.9 0.3 3.3 9.9 1.5 77.3 0.5 0.4 116.3 1.1.2.3 6 Months to 1 Year Fixed A/c 139.6 73.0 7.0 33.5 72.5 3.0 31.6 1.7 9.2 8.8 14.2 6.6 400.6 1.1.2.4 Above 1 Year 2.5 7.9 177.2 38.5 93.9 36.6 105.7 59.2 80.9 4.0 438.5 42.3 39.9 4.1 0.8 1.6 1133.4 1.1.3 Call Deposit 0.4 13.2 71.0 74.8 22.4 12.4 27.5 20.2 39.4 26.2 30.1 52.8 50.5 62.5 24.2 33.4 45.8 21.5 13.9 3.7 4.4 14.6 664.8 1.1.4 Certificate of Deposits 0.0 1.2 Others 62.2 35.4 29.3 4.5 10.0 6.6 90.2 9.0 14.6 2.6 0.5 70.3 10.7 12.3 7.8 3.2 22.4 0.4 1.0 1.7 394.5 2 Commission/Fee Expense 31.1 6.2 1.4 0.0 3.2 41.9 3 Employees Expenses 448.6 392.7 112.7 92.9 98.6 136.0 31.1 59.0 62.7 45.2 39.9 26.6 31.8 32.9 41.0 28.5 21.6 447.4 14.9 14.2 9.5 10.0 4.5 2202.2 4 Office Operatiing Expenses 102.8 183.3 101.3 142.2 116.6 162.0 65.3 48.4 99.8 66.4 37.1 30.0 36.8 53.5 58.7 34.6 30.6 115.7 25.2 21.6 9.0 11.2 6.6 1558.5 5 Exchange Fluctuation Loss 0.0 0.0 0.0 0.0 0.0 0.0 0.0 2.2 0.0 0.0 0.0 0.8 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 3.0 5.1 Due to Change in Exchange Rates 0.0 0.8 0.0 0.0 0.0 0.0 0.0 0.8 5.2 Due to Foreign Currency Transactions 2.2 0.0 0.0 0.0 0.0 0.0 2.2 6 Non-Operatiing Expenses 0.0 36.3 1.8 5.8 0.0 4.2 21.6 30.0 99.7 7 Loan Written Off 1.1 0.8 0.7 0.4 0.0 2.9 8 Loan Loss Provision 68.4 191.8 42.1 11.6 11.5 49.9 24.6 256.0 46.1 46.7 0.0 0.0 7.1 -12.0 36.3 23.3 9.6 855.2 0.6 9.4 28.4 10.5 9.0 1726.0 8.1 General Loan Loss Provision 175.5 26.2 5.2 0.4 49.9 23.9 46.1 21.6 14.8 -24.5 23.1 21.0 8.7 855.2 0.6 9.4 28.4 10.5 9.0 1305.0 8.2 Special Loan Loss Provision 68.4 16.3 15.9 6.4 11.1 0.0 24.6 232.1 0.0 25.1 0.0 0.0 -7.7 12.5 13.2 2.3 0.9 0.0 0.0 0.0 0.0 0.0 0.0 421.1 7.2.1 Sub-Standard Loan Loss Provision 0.0 -0.9 1.0 3.7 1.3 3.9 13.0 0.0 9.9 1.7 9.4 2.0 0.2 0.9 46.2 7.2.2 Doubtful Loans Loss Provision 2.9 14.0 1.9 14.0 11.2 0.0 2.1 -5.2 11.0 0.4 52.3 7.2.3 Loss Loan Loss Provision 68.4 14.3 0.9 0.8 9.8 6.7 207.9 15.2 -11.5 8.3 0.2 1.7 322.6 8.3 Provision Expense for NBA 2.9 1.8 4.7 8.4 Provision Expense for Investment 0.0 8.5 Provision Expense for Other Assets 0.0

0.09 Provision for Staff Bonus 0.0 43.3 57.6 33.2 18.2 17.4 8.8 178.510 Provision for Income Tax 130.6 181.6 32.3 17.7 52.9 27.6 442.711 Others 3.7 7.4 127.5 138.612 Net Profit 43.5 554.0 302.4 394.8 414.6 147.3 208.9 290.4 241.6 299.9 295.3 121.3 135.6 149.7 60.0 116.0 395.5 36.2 41.9 4248.9

TOTAL EXPENCES 1047.8 1283.7 1177.0 1168.0 1092.1 1180.8 481.2 866.5 784.1 597.2 587.0 526.5 497.5 406.4 560.2 368.0 380.8 2709.8 160.85 179.58 66.57 39.09 38.14 16198.8TOTAL INCOME 1047.8 1283.7 1177.0 1168.0 1092.1 1180.8 481.2 866.5 784.1 597.2 587.0 526.5 497.5 406.4 560.2 368.0 380.8 2709.8 160.85 179.58 66.57 39.09 38.14 16198.8

1. Interest Income 801.8 1151.7 881.5 945.4 767.7 936.3 424.9 459.7 665.8 472.5 264.4 247.0 424.1 358.7 510.2 319.8 344.7 1796.7 139.38 157.89 44.78 21.57 34.45 12170.9 1.1. On Loans and Advance 500.1 905.3 645.2 792.0 408.5 656.0 374.7 343.7 559.8 396.2 242.3 227.0 382.2 321.6 420.4 307.4 286.6 1672.0 120.7 109.0 35.4 8.8 5.7 9720.5 1.2. On Investment 215.6 169.7 96.8 48.6 141.0 90.2 38.6 16.9 100.6 43.4 17.6 12.3 21.6 9.7 22.3 12.4 12.8 30.8 2.8 0.0 0.0 1.4 0.1 1105.1 1.2.1 Government Bonds 215.6 89.6 48.6 141.0 90.2 35.4 11.7 55.9 43.4 17.4 12.3 21.6 9.7 22.3 12.4 12.8 30.8 2.8 1.4 0.1 875.0 1.2.2 Foreign Bonds 0.0 7.2 11.4 0.0 0.0 0.0 0.0 0.0 0.0 18.6 1.2.3 NRB Bonds 0.0 3.2 33.3 0.2 36.7 1.2.4 Deventure & Bonds 169.7 5.2 0.0 0.0 0.0 0.0 0.0 174.9 1.3 Agency Balance 2.8 53.4 2.7 5.0 5.4 7.8 2.1 0.3 0.4 0.0 7.0 86.7 1.4 On Call Deposit 6.9 23.3 135.0 90.0 209.5 190.2 2.0 8.4 5.4 0.3 1.1 5.0 19.7 4.0 67.6 22.7 0.3 15.9 48.9 1.2 1.4 28.6 887.3 1.5 Others 76.4 1.9 9.9 3.3 1.8 90.7 32.6 3.4 0.6 0.3 23.4 -0.1 22.3 93.6 8.2 3.0 371.2 2. Comission & Discount 85.7 97.2 149.7 97.3 158.6 156.9 33.2 71.8 47.3 59.6 17.8 10.5 49.0 14.7 32.6 23.9 24.0 35.6 5.0 16.6 12.4 0.6 1.9 1201.9 2.1 Bills Purchase & Discount 0.1 0.3 3.6 12.0 7.5 2.7 1.3 2.8 1.1 1.7 0.1 0.2 0.5 1.6 0.0 0.0 0.5 0.0 0.0 36.0 2.2 Comission 85.6 85.9 145.3 85.3 142.1 90.4 29.0 66.7 46.2 59.6 16.1 10.4 47.0 13.8 32.6 20.3 13.3 35.6 5.0 16.6 11.8 0.6 0.3 1059.2 2.3 Others 11.0 0.9 9.0 63.9 2.9 2.3 0.0 1.8 0.4 2.0 10.7 0.1 1.7 106.7 3 Income From Exchange Fluctuation 6.7 -25.7 96.8 85.0 158.2 87.6 22.4 1.4 7.7 54.6 6.9 6.6 17.5 17.9 17.2 20.9 12.2 2.3 11.1 3.1 0.7 1.6 0.3 612.9 3.1 Due to Change in Exchange Rate -1.5 -33.2 23.4 4.9 158.2 1.7 0.2 1.2 -2.5 -1.5 3.4 0.5 17.2 2.0 2.3 2.3 6.1 0.3 0.1 185.0 3.2 Due to Foreign Currency Trans. 8.2 7.5 73.4 80.2 86.0 22.2 0.2 10.2 54.6 8.4 6.6 14.1 17.4 18.7 9.9 5.0 2.8 0.7 1.6 0.1 427.7 4 Other Income 153.6 60.5 41.5 40.3 1.2 0.3 68.9 63.2 0.4 34.8 26.3 6.9 15.1 0.4 250.2 5.4 2.0 0.0 2.2 0.0 773.2 5 Non Operating Income 0.0 1.0 6.4 0.5 36.3 7.8 34.2 0.2 1.0 30.4 117.8 6 Provision Written Back 0.0 6.5 0.0 228.4 2.3 228.9 236.2 2.0 594.6 1298.9 7 Net Loss 8.6 13.2 1.5 23.3

Table No. 30Profit And Loss Account of Commercial Banks

Mid-January 2008

30

(Rs.In.Million)

Sectors Banks NBL RBB NABIL NIBL SCBNL HBL NSBIBL NBBL EBL BOKL NCCBL LuBL NICBL MBL KBL LaBL SBL ADB GLOBAL CITIZEN PRIME SUNRISE BOA TOTAL

1 Agriculture 299.0 951.5 51.5 180.6 432.9 661.7 144.8 49.3 86.4 81.0 271.6 139.7 119.3 53.4 307.6 0.0 46.1 9829.7 146.3 0.0 0.0 0.0 0.0 13852.6

2 Mining 16.9 241.1 13.8 1.9 68.9 0.0 0.0 29.4 17.5 348.8 19.3 0.0 0.0 51.0 314.6 0.0 2.8 19.5 366.6 19.2 0.0 0.0 0.0 1531.4

3 Productions 3848.6 4767.0 6534.2 7601.2 2499.9 9679.9 4242.8 3798.5 3921.4 3141.1 1505.9 1134.0 3868.3 1515.4 2543.3 3238.8 2140.2 4517.5 447.9 1188.5 389.5 346.3 82.9 72953.1

4 Construction 685.7 1876.1 2265.8 798.2 2521.0 544.3 1429.3 715.3 2313.5 1302.5 561.1 231.2 2016.5 602.7 1469.6 2067.3 1043.8 1602.7 667.3 244.5 252.3 25.1 175.9 25412.0

5 Metal Productions,Machinary & Electrical Tools & Fittings 233.5 595.9 277.9 285.7 43.7 479.4 402.1 231.2 59.8 223.2 32.6 6.0 2.8 714.0 222.0 0.0 102.1 370.4 263.3 10.4 11.0 0.0 0.0 4566.7

6 Transportation Equipment Production & Fitting 259.5 366.2 1751.7 13.7 5.9 85.2 0.4 130.9 106.1 95.5 19.7 62.8 0.0 93.6 572.3 297.6 132.7 97.1 37.1 0.0 12.0 0.0 0.0 4139.8

7 Transportation, Communications & Public Services 748.2 931.6 1522.8 844.4 696.0 1345.0 574.2 1125.5 1208.5 1285.1 621.3 446.1 286.2 847.4 366.7 168.6 763.7 531.2 59.4 208.5 0.0 0.0 0.0 14580.5

8 Wholesaler & Retailers 2926.4 6294.0 2936.7 3811.5 796.0 2704.3 2196.3 1557.1 5262.3 2084.2 719.5 1170.9 1820.2 1637.7 1235.6 907.5 1232.8 10222.4 68.6 585.9 312.6 114.9 137.1 50734.5

9 Finance, Insurance & Fixed Assets 819.6 2320.1 1092.6 1280.2 901.7 1238.8 490.4 483.0 439.9 1103.6 262.4 168.4 852.5 632.6 1462.0 673.5 935.5 876.1 23.3 1016.3 867.1 151.4 431.1 18522.2

10 Service Industries 480.1 1973.3 2053.8 2586.4 362.7 2001.5 750.3 1017.9 427.5 998.5 528.0 529.7 398.0 641.6 791.3 483.5 385.0 3430.7 451.8 330.7 197.6 6.4 32.5 20858.8

11 Consumable Loan 4082.1 1812.5 106.1 251.3 71.7 201.1 54.1 89.7 217.4 243.3 82.3 0.3 61.0 20.2 661.7 23.3 103.7 408.2 0.0 0.0 0.0 0.0 39.8 8529.8

12 Local Government 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

13 Others 1601.4 2996.7 1366.8 4520.6 3693.2 1835.8 1510.5 662.8 2908.6 928.5 650.6 1608.6 1257.6 1371.5 1360.8 503.5 1141.4 3617.1 1373.7 481.3 801.9 410.1 0.0 36603.0

Total 16001.1 25126.0 19973.7 22175.6 12093.6 20777.0 11795.2 9890.9 16968.9 11835.3 5274.3 5497.6 10682.6 8181.1 11307.3 8363.6 8029.9 35522.6 3905.3 4085.2 2844.0 1054.2 899.3 272284.3

SECTORWISE LOANS and ADVANCES of COMMERCIAL BANKS Mid-January,2008

Table No.31

31

(Rs.In million)

Security Banks NBL RBB NABIL NIBL SCBNL HBL NSBI NBB EBL BOK NCCB LBL NIC MBL KBL Laxmi SBL ADB/N GLOBAL CITIZENS PRIME SUNRISE BOA TOTAL 1 Gold/Silver 1280.5 1723.1 0.0 227.6 0.0 0.0 0.0 0.0 0.0 0.0 30.5 0.0 3.9 0.0 9.1 0.0 5.5 0.0 0.0 0.0 0.0 0.0 0.0 3280.3 2 Government Securities 2750.7 58.2 35.7 12.2 1017.5 130.9 261.2 1.0 52.8 258.9 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 4579.1 3 Non Government Securities 11.6 46.8 0.0 507.7 236.6 179.0 121.9 41.4 15.2 0.0 156.2 20.0 636.8 71.4 477.8 0.0 13.5 0.0 150.0 194.4 61.3 0.0 33.9 2975.5 4 Fixed A/c Receipt 336.3 53.9 377.7 184.3 913.0 607.9 134.1 133.7 568.9 1204.1 146.9 91.3 270.2 372.2 68.1 11.5 177.2 209.5 31.7 127.5 3.2 27.1 4.6 6055.0 4.1 On Own Bank 120.6 53.9 209.1 160.7 502.7 566.0 34.1 133.7 283.5 289.9 141.7 80.5 63.2 105.6 5.5 5.1 98.9 209.5 8.2 69.0 3.2 1.5 4.6 3150.7 4.2 On Other Banks 215.7 0.0 168.7 23.6 410.3 41.9 100.0 0.0 285.5 914.2 5.2 10.8 206.9 266.6 62.6 6.4 78.3 0.0 23.5 58.5 0.0 25.6 0.0 2904.2 5 Asset Guarantee 8250.2 20099.0 13269.0 20121.7 7355.2 18208.7 10882.5 8032.0 15542.2 9219.8 4239.2 4455.1 9219.4 7230.7 10142.6 7872.9 6933.8 35313.1 2532.8 3650.0 2602.8 895.2 860.8 226928.6 5.1 Fixed Assets 5647.7 19702.2 9506.7 14580.9 6966.2 15464.9 5626.0 7380.0 11514.4 6995.4 3572.1 4265.7 5895.4 5176.5 9319.3 5489.0 5271.1 35313.1 1623.9 2072.8 2479.3 420.7 743.4 185026.4 5.1.1 Lands & Buildings 4417.7 19153.8 5629.0 12969.6 4548.7 10608.0 4934.5 6459.3 9126.0 5712.9 3115.5 3684.3 5052.6 3879.1 7863.3 4794.5 3925.3 35313.1 143.2 1526.8 2433.6 299.7 733.2 156323.8 5.1.2 Machinary & Tools 216.5 5.8 688.6 99.1 0.0 898.0 387.4 278.5 214.3 57.3 24.3 85.0 30.8 726.3 104.3 44.6 345.9 0.0 125.8 93.0 0.0 0.0 4.0 4429.2 5.1.3 Furniture & Fixture 129.4 9.7 2.3 0.0 79.1 0.0 0.0 2.1 41.3 0.0 42.2 2.5 0.0 0.0 6.6 0.0 0.0 0.0 0.0 49.9 0.0 0.0 0.0 365.1 5.1.4 Vehicles 706.2 500.4 2568.0 1257.5 2338.4 1843.1 300.0 640.1 1783.0 1225.2 292.9 489.9 806.2 569.5 500.2 621.1 808.5 0.0 286.7 403.1 45.6 21.2 6.2 18013.1 5.1.5 Other Fixed Assets 178.0 32.5 618.8 254.7 0.0 2115.9 4.1 0.0 349.8 0.0 97.2 4.0 5.8 1.6 844.8 28.8 191.4 0.0 1068.1 0.0 0.0 99.7 0.0 5895.3 5.2 Current Assets 2602.5 396.8 3762.3 5540.8 389.0 2743.8 5256.4 652.1 4027.8 2224.4 667.1 189.5 3324.0 2054.2 823.3 2383.9 1662.8 0.0 909.0 1577.3 123.5 474.5 117.4 41902.3 5.2.1 Agricultural Products 428.5 119.8 570.4 95.0 0.0 0.0 458.1 94.3 525.7 0.0 27.1 0.0 260.8 0.9 22.1 0.0 251.8 0.0 130.0 42.7 0.0 0.0 1.7 3028.9 5.2.1.1 Rice 368.4 36.0 221.0 93.4 0.0 0.0 84.8 10.0 165.6 0.0 9.2 0.0 0.0 0.2 0.0 0.0 0.0 0.0 120.9 42.7 0.0 0.0 0.0 1152.2 5.2.1.2 Raw Jute 16.5 69.0 29.8 0.0 0.0 0.0 0.0 0.0 0.3 0.0 0.5 0.0 6.5 0.7 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 123.4 5.2.1.3 Other Agricultural Products 43.7 14.8 319.5 1.7 0.0 0.0 373.3 84.3 359.8 0.0 17.4 0.0 254.3 0.0 22.1 0.0 251.8 0.0 9.1 0.0 0.0 0.0 1.7 1753.3 5.2.2 Other Non Agricultural Products 2173.9 277.0 3191.9 5445.8 389.0 2743.8 4798.3 557.7 3502.1 2224.4 640.0 189.5 3063.2 2053.3 801.2 2383.9 1411.0 0.0 779.0 1534.6 123.5 474.5 115.7 38873.4 5.2.2.1 Raw Materials 183.6 9.8 203.0 132.0 247.3 0.0 1860.1 17.2 826.8 1455.3 266.3 37.6 1593.1 747.5 0.0 179.4 379.4 0.0 596.7 591.4 0.0 94.6 0.0 9421.0 5.2.2.2 Semi Ready Made Goods 449.5 4.6 96.2 0.0 0.0 0.0 79.2 139.8 0.8 0.0 18.1 9.4 1.4 0.0 469.4 701.1 16.3 0.0 2.9 86.5 0.0 0.0 1.3 2076.6 5.2.2.3 Readymade Goods 1540.8 262.6 2892.7 5313.8 141.7 2743.8 2859.1 400.8 2674.4 769.1 355.6 142.5 1468.7 1305.8 331.8 1503.4 1015.2 0.0 179.4 856.6 123.5 380.0 114.4 27375.7 5.2.2.3.1 Salt, Sugar, Ghee, Oil 309.7 21.0 174.2 121.8 0.0 0.0 308.7 185.5 165.6 769.1 180.3 0.0 166.7 2.4 51.2 230.7 0.0 0.0 148.0 105.0 0.0 0.0 114.4 3054.2 5.2.2.3.2 Clothing 597.3 11.4 119.8 39.8 0.0 0.0 6.6 29.4 56.6 0.0 54.7 0.0 50.2 0.0 0.0 0.0 53.9 0.0 4.2 466.4 0.0 0.0 0.0 1490.3 5.2.2.3.3 Other Goods 633.9 230.2 2598.7 5152.3 141.7 2743.8 2543.8 185.9 2452.2 0.0 120.6 142.5 1251.8 1303.4 280.6 1272.7 961.3 0.0 27.2 285.3 123.5 380.0 0.0 22831.2 6 On Bills Guarantee 625.0 1034.8 3557.7 343.2 17.5 215.4 143.9 899.1 65.9 98.6 73.0 317.8 7.7 41.7 358.1 0.0 0.0 0.0 22.2 0.0 0.0 0.0 0.0 7821.5 6.1 Domestic Bills 2.4 18.9 60.8 79.6 17.5 58.9 1.2 40.6 33.2 0.0 22.1 11.0 0.0 29.6 2.2 0.0 0.0 0.0 13.6 0.0 0.0 0.0 0.0 391.6 6.2 Foreign Bills 622.6 1015.9 3496.9 263.6 0.0 156.4 142.7 858.6 32.7 98.6 50.9 306.8 7.7 12.1 355.8 0.0 0.0 0.0 8.6 0.0 0.0 0.0 0.0 7429.9 6.2.1 Import Bill & Letter of Credit 581.9 846.7 3376.0 65.6 0.0 0.0 24.4 696.2 25.8 5.9 16.0 295.2 2.1 1.5 353.8 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 6291.2 6.2.2 Export Bill 20.0 86.2 114.8 132.9 0.0 73.9 49.4 110.1 3.6 17.2 30.0 7.3 5.2 0.0 0.0 0.0 0.0 0.0 1.4 0.0 0.0 0.0 0.0 652.0 6.2.3 Against Export Bill 14.0 34.6 6.1 5.0 0.0 0.0 54.2 44.3 0.0 75.5 0.0 4.3 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 238.0 6.2.4 Other Foreign Bills 6.7 48.4 0.0 60.1 0.0 82.5 14.6 8.0 3.3 0.0 4.9 0.0 0.3 10.6 2.1 0.0 0.0 0.0 7.1 0.0 0.0 0.0 0.0 248.7 7 Guarantee 780.5 987.4 679.6 189.0 885.8 1382.8 138.1 736.3 641.2 1053.9 319.8 288.7 295.9 279.4 218.2 312.5 460.0 0.0 411.5 0.0 0.0 0.0 0.0 10060.5 7.1 Government Guarantee 363.2 1.9 0.0 0.0 0.0 242.5 0.0 0.0 0.0 20.5 5.6 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 633.7 7.2 Institutional Guarantee 312.4 2.0 584.2 172.4 834.9 523.6 112.3 268.5 302.6 499.0 294.7 221.8 295.9 137.6 205.6 312.5 458.8 0.0 0.0 0.0 0.0 0.0 0.0 5539.0 7.3 Personal Guarantee 46.1 916.4 0.6 11.0 0.0 80.7 25.8 206.2 26.8 0.0 19.5 66.8 0.0 93.2 0.5 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 1493.7 7.4 Group Guarantee 58.5 64.9 21.3 0.0 0.0 0.0 0.0 0.1 0.0 1.1 0.0 0.0 0.0 0.0 0.1 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 146.0 7.5 On Other Guarantee 0.3 2.2 73.5 5.5 50.9 536.0 0.0 261.6 311.8 533.3 0.0 0.0 0.0 48.6 11.9 0.0 1.1 0.0 411.5 0.0 0.0 0.0 0.0 2248.2 8 Credit Card 0.0 0.0 87.8 11.8 70.2 52.1 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 6.2 0.0 0.0 0.0 0.0 0.0 0.0 0.0 228.1 9 Earthquake Victim Loan 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 10 Others 1966.3 1122.8 1966.2 578.1 1597.8 0.4 113.5 47.2 82.6 0.0 308.7 324.6 248.7 185.7 33.5 160.5 439.9 0.0 757.2 113.3 176.7 132.0 0.0 10355.7

Total 16001.1 25126.0 19973.7 22175.6 12093.6 20777.0 11795.2 9890.9 16968.9 11835.3 5274.3 5497.6 10682.6 8181.1 11307.3 8363.6 8029.9 35522.6 3905.3 4085.2 2844.0 1054.2 899.3 272284.3

Table No. 32SECURITY- WISE LOANS AND ADVANCES OF COMMERCIAL BANKS*

Mid-January,2008

32

(Rs in million)Loan Title NBL RBB NABIL NINV SCBL HBL NSBIB NBBL EBL BOK NCCB LMBIBL NICB MPBL KMBL LAXMI SDBL ADBL GLOBAL CITIZENS PRIME SUNRISE BOA TOTAL

2. Deprived Sector Loans (A) Direct Investment 256.24 701.9 2.94 485.7 0.0 0.0 336.5 0.5 4.8 4.2 0.0 0.0 0.0 0.3 0.0 0.0 0.0 1134.5 0.0 0.0 0.0 0.0 0.0 2927.5 - Agriculture 184.59 417 13.8 67.8 0.4 4.0 0.3 1134.5 1822.3 - Domestic Industries 9.46 62.3 75.5 83.6 230.8 - Services 62.19 222.6 2.9 331.5 175.5 0.1 0.8 4.2 799.8 - Power Sector 64.9 9.7 74.6 - Machine & Import of Raw Materials 0.0 (B) Indirect Investment 334.57 141.3 539.0 325.0 558.4 310.7 273.7 429.3 529.8 187.7 159.9 371.8 247.2 273.6 206.8 155.6 1134.8 6179.0

Total 590.81 843.2 541.94 485.7 325 558.35 647.2 274.17 434.01 534 187.7 159.92 371.75 247.5 273.59 206.8 155.6 2269.3 0 0 0 0 0 9106.5

Table No 33Deprived Sector Loan Statement of Commercial Banks

Mid-January,2008

33

(Rs.in million) Corporation Banks NBL RBB NABIL NIBL SCBNL HBL NSBI NBB EBL BOK NCCB LBL NIC MBL KBL LAXMI SBL ADBL GLOBAL CITIZENS PRIME SUNRISE BOA Total

1 Industrial 215.8 55.4 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 84.7 0.0 0.0 0.0 0.0 52.7 0.0 0.0 0.0 0.0 0.0 0.0 0.0 408.6 1.1 Agricultural Lime Industries Ltd. 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 1.2 Birjung Sugar Mills Ltd. 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 1.3 Dairy Development Corporation 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 1.4 Herbs Production and Processing Center Ltd. 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 1.5 Hetauda Cement Industries Ltd. 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 1.6 Janakpur Cigaratte Factory Ltd. 190.2 55.3 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 245.5 1.7 Limbini Sugar Mills Ltd. 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 1.8 Nepal Rosin and Terpentine Ltd. 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 1.9 Royal Drugs LTd. 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 84.7 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 84.7 1.10 Udaypur Cement Industries Ltd. 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 1.11 Nepal Orient and Magnesite Pvt. LTd. 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 1.12 Himal Cement Company 15.6 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 15.6 1.13 Hetauda Textile Industries Ltd. 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 1.14 Bhaktapur Brick Factory 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 1.15 Others 10.0 0.1 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 52.7 0.0 0.0 0.0 0.0 0.0 0.0 0.0 62.8 2 Trading 358.1 704.5 500.0 0.0 88.7 205.8 114.2 77.7 446.8 282.0 0.0 0.0 0.0 66.8 0.0 0.0 0.0 99.7 119.6 149.3 0.0 0.0 0.0 3213.4 2.1 Agriculture Input Corporation 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 2.2 Cottage Indutries Development Corporation 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 2.3 National Trading Ltd. 0.0 0.0 0.0 0.0 88.7 132.5 0.0 0.0 0.0 0.0 0.0 0.0 0.0 66.8 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 288.1 2.4 Nepal Food Corporation 187.2 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 149.3 0.0 0.0 0.0 336.6 2.5 Nepal Oil Corporation 0.0 600.0 500.0 0.0 0.0 0.0 0.0 0.0 300.0 253.6 0.0 0.0 0.0 0.0 0.0 0.0 0.0 99.7 0.0 0.0 0.0 0.0 0.0 1753.3 2.6 The Timbre Corporation of Nepal 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 2.7 Others 170.9 104.5 0.0 0.0 0.0 73.3 114.2 77.7 146.8 28.4 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 119.6 0.0 0.0 0.0 0.0 835.4 3 Financial 221.9 0.1 0.0 83.5 0.0 0.0 0.0 0.0 236.6 0.0 0.0 129.6 140.0 0.0 70.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 881.7 3.1 Agriculture Development Bank 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 100.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 100.0 3.2 Nepal Industrial Development Corporation 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 3.3 Rastria Banijya Bank 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 3.4 Credit Insurance and Loan Guarantee Corp. Pvt. Ltd. 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 3.5 Nepal Housing Development Finance Company 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 3.6 Nepal Stock Exchange 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 3.7 Citizen Investment Fund 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 3.8 National Insurance Corporation 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 3.9 Others 221.9 0.1 0.0 83.5 0.0 0.0 0.0 0.0 236.6 0.0 0.0 129.6 40.0 0.0 70.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 781.7 4 Service Oriented 0.0 244.9 60.0 0.0 0.1 448.3 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 753.2 4.1 Insutrial Area Management Ltd. 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 4.2 National Construction Company Nepal Ltd. 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 4.3 Nepal Traportaion and Warehouse Management Co. Ltd. 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 4.4 Nepal Engineering Consultancy Service Center Ltd. 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 4.5 Royal Nepal Airlines Corporation 0.0 244.9 60.0 0.0 0.0 248.3 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 553.2 4.6 National Productivity and Economic Development Center Ltd. 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 4.7 Nepal Transportation Corporation 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 4.8 Others 0.0 0.0 0.0 0.0 0.1 200.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 200.1 5 Other Government Corporations 0.0 67.4 250.0 0.0 119.9 0.0 0.0 2.2 0.0 4.6 55.8 0.0 25.8 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 525.7 5.1 Cultural Corporation 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 5.2 Gorakhapatra Corporation 0.0 0.0 0.0 0.0 0.0 0.0 0.0 2.2 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 2.2 5.3 Janak Educationa Material Center Ltd. 0.0 67.4 0.0 0.0 19.9 0.0 0.0 0.0 0.0 4.6 0.0 0.0 25.8 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 117.7 5.4 Nepal Television 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 5.5 Rural Housing Company Ltd. 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 5.6 Nepal Water Supply Corporation 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 5.7 Nepal Electricity Authority 0.0 0.0 250.0 0.0 100.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 350.0 5.8 Nepal Telecommunication Corporation 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 5.9 Civial Aviation Authority 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 5.10 Others 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 55.8 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 55.8

Total 795.8 1072.3 810.0 83.5 208.7 654.1 114.2 80.0 683.4 286.6 140.5 129.6 165.8 66.8 70.0 52.7 0.0 99.7 119.6 149.3 0.0 0.0 0.0 5782.7

Table No. 34COMMERCIAL BANKS LOANS TO PUBLIC ENTERPRISES

Mid January. 2008(Aggregate)

34

(Rs.in million)Development Financial Other Non- Commercial Non-ProfitCommittees Insts. Govt. Corps. Government Banks Earning

Insts. Insts.CurrentMid-July. 2000 4027.3 538.1 1768.8 1598.8 4314.4 330.5 1386.5 4117.3 1446.6 19528.3Mid-July. 2001 4497.1 459.8 2492.8 3830.6 3941.4 469.1 1540.6 4817.9 1850.1 23899.4Mid-July. 2002 4502.8 652.4 2127.7 1866.0 4813.7 603.0 1595.1 6134.7 2031.6 24327.0Mid-July. 2003 5090.5 827.8 2562.6 4532.1 6546.0 563.2 2055.4 4895.7 1789.6 28862.9Mid-July. 2004 4973.4 1045.8 3699.8 4778.9 7600.2 716.5 3217.3 5114.0 2584.0 33729.9Mid-July. 2005 5446.4 1381.4 3741.4 4980.1 7149.4 543.0 2431.3 6463.7 2509.7 34646.4Mid-July. 2006 4591.8 594.2 4398.0 4684.4 8807.8 488.2 3122.2 8825.8 1874.3 37386.6Mid-July. 2007 5116.3 521.1 3953.2 5650.3 11006.8 2339.4 2893.7 12673.4 877.0 45031.2Mid-January. 2008 6850.9 530.4 4157.2 8119.8 10657.8 2049.2 3045.0 13434.1 2043.1 50887.5

SavingMid-July. 2000 2339.3 25.1 158.9 811.3 1073.8 0.0 917.2 51755.0 606.1 57686.7Mid-July. 2001 3380.9 19.8 134.4 677.7 2884.2 0.6 979.9 60795.8 1857.8 70731.1Mid-July. 2002 3832.7 91.1 574.5 565.3 1833.3 0.5 2241.8 70826.0 3890.4 83855.6Mid-July. 2003 4353.9 80.7 762.2 467.7 1194.8 3.2 3529.6 84836.4 2010.4 97238.9Mid-July. 2004 6609.0 180.8 1145.7 984.7 2030.0 32.7 2939.6 97931.8 2282.9 114137.2Mid-July. 2005 6095.8 362.0 1658.4 2041.6 2475.5 44.0 3773.9 110446.6 3097.2 129995.0Mid-July. 2006 5933.9 191.7 1381.7 1930.0 2787.0 66.2 6831.9 128148.0 4369.0 151639.4Mid-July. 2007 6313.4 197.9 1778.1 1417.9 4983.6 98.5 4635.6 152920.4 2387.1 174732.5Mid-January. 2008 6551.5 199.3 5488.8 1952.2 5274.6 38.5 4732.9 166998.2 1334.3 192570.1

FixedMid-July. 2000# 6066.1 10.6 15795.4 9047.4 3360.7 80.0 1555.8 20221.8 4283.7 60421.5Mid-July. 2001# 9063.8 13.2 14827.2 10808.0 3926.7 235.8 1783.0 18046.1 9128.0 67831.8Mid-July. 2002# 8911.1 31.6 19913.5 9508.9 3630.0 388.3 2256.8 28060.5 2002.6 74703.3Mid-July. 2003 6539.7 26.4 22065.2 4364.7 2603.9 205.1 4197.3 22225.0 1060.3 63287.6Mid-July. 2004 7651.3 35.9 25557.4 3823.6 2413.1 55.4 3878.8 20603.8 1111.6 65130.9Mid-July. 2005 8264.3 94.3 28673.3 4735.8 2634.0 27.0 3570.6 17931.7 1387.2 67318.2Mid-July. 2006 13017.2 99.7 30388.6 5398.2 2705.8 32.5 2700.2 17787.2 4443.5 76572.8Mid-July. 2007 14551.2 75.0 37322.2 7443.5 1997.2 306.8 3106.1 21747.3 663.4 87212.6Mid-January. 2008 13249.4 123.7 35911.9 9271.6 2566.4 372.1 3704.8 24047.9 3745.8 92993.4

TotalMid-July. 2000 12432.7 573.8 17723.1 11457.5 8748.9 410.5 3859.5 76094.1 6336.4 137636.5Mid-July. 2001 16941.8 492.8 17454.4 15316.3 10752.3 705.5 4303.5 83659.8 12835.9 162462.3Mid-July. 2002 17246.6 775.1 22615.7 11940.2 10277.0 991.8 6093.7 105021.2 7924.6 182885.9Mid-July. 2003 15984.1 934.9 25390.0 9364.5 10344.7 771.5 9782.3 111957.1 4860.3 189389.4Mid-July. 2004 19233.7 1262.5 30402.9 9587.2 12043.3 804.6 10035.7 123649.6 5978.5 212998.0Mid-July. 2005 19806.5 1837.7 34073.1 11757.5 12258.9 614.0 9775.8 134842.0 6994.1 231959.6Mid-July. 2006 23542.9 885.6 36168.3 12012.5 14300.6 586.9 12654.3 154760.9 10686.8 265598.8Mid-July. 2007 25981.0 794.0 43053.5 14511.7 17987.6 2744.7 10635.5 187341.1 3927.5 306976.4Mid-January. 2008 26651.7 853.4 45557.9 19343.5 18498.8 2459.8 11482.6 204480.2 7123.1 336451.0 $ Including Call Deposit of NABIL, Nepal Investment, NBBL and NCC Bank Limited. # Including Call Deposit.

Table No. 35OWNERSHIP CLASSIFICATION OF DEPOSITS OF COMMERCIAL BANKS

(AGGREGATE)

TotalOtherIndividualsForeigners

35

Deposits : (in %)

Fixed

B.C. Exis. B.C. Exis. B.C. Exis. B.C. Exis. B.C. Exis. B.C. Exis. B.C. Exis. B.C. Exis. B.C. Exis. B.C. Exis.NBL 2.00 2.00 - - - - 2.00 2.00 - - 2.25 2.25 2.50 2.50 3.00 3.00 3.50 3.50RBB 2.00 2.00 - - - - - - - - 2.25 2.25 2.50 2.50 3.25-3.5 3.25-3.5 - -NABIL 2.00 2.00 3-4 3-4 - - 2.50 1.75 3.00 2.00 - 3.25 2.75 3.50 3.00 4.00 3.50 4-4.25 3.75-4.25NIB 2.50 2.50 2.75 2.75 - - 1.25 1.25 1.75 1.75 - - 2.5-2.75 2.5-2.75 2.75-3 2.75-3 3.5-3.75 4.25-4.5 3.75-4 4.5-5SCBL 2.00 2.00 - - 1.00 1.00 1.50 1.50 1.50 1.50 1.50 1.50 1.75 1.75 2.25 2.25 2.50 2.50HBL 2.00 2.00 2.75 2.75 - - 1.75 1.75 2.00 2.00 - - 2.50 2.50 3.00 3.00 3.75 3.75 3.75 4.00NSBI 3.00 3.00 - - - - 2.75 2.75 - - 3.25 3.25 3.75 3.75 4.00 4.00 4.00 4.00NBB 4.50 4.50 3.5-4.75 3.5-4.75 - - - - 3.50 3.50 - - 4.00 4.00 4.50 4.50 4.75 4.75 5.00 5.00EBL 3.25 3.00 2.75 2.75 - - - - - 2.75 - 2.75 3.00 3.00 3.50 3.50 4.00 4.00 4.50 4.50BOK 2.50 2.25 2.25-4.25 2.00 1.50 1.50 2.00 2.00 2.50 2.50 - - 3.00 3.00 3.50 3.25 4-4.5 3.5-3.75 5-5.25 3-4.25NCCB 4.50 4.50 4.25-5 - - - - - - - - 4.00 4.00 4.50 4.50 4.9-5 5.00 5.4-6.40 5.50LBL 5.00 5.00 5.00 2.5-5 - - - - - - - - 4.00 4.00 4.50 4.50 5.00 5.00 5.25-5.5 5.25-5.5NICB 3.00 3.00 5.00 1.25-5 - - - 1.75 - 2.25 - - 2.50 2.50 3.25 3.25 4-4.25 4-4.25 4.75-5 4.5-5MBL 4.00 4.00 4.00 4.00 - - - - - - 2.5-3 2.5-3 3-3.5 3-3.5 3.5-4 3.25-3.75 4-5 3.75-4.75KBL 2.75 3.00 3.5-4.5 3.5-4.5 2.00 2.00 2.25-2.5 2.50 2.5-3 3.00 2.75-3.25 3.50 3.75-4 5.00 4.25-4.75 5.5-6LAXMI 3.50 3.5-4 4-4.5 4-4.5 - - - - 2.50 2.50 3.00 3.00 3.50 3.50 4.25-5 4.25-4.75 - 4.5-5SIDHARTHA 5.00 5.00 4.50 4.25 1.50 1.50 2.50 2.50 2.75 2.75 3.25 3.25 3.50 3.50 4.50 4.50 5.00 5.00ADB/N 3.00 3.00 - - - - 2.00 2-2.25 - - 2.50 2.5-2.75 3.00 3-3.25 3.50 4-4.25 4-4.5 4.25-5GLOBAL 4.00 4-5 2.50 3.00 3.50 4.00 4.50 4.75-5CITIZENS 4.00 1.50 2.50 3.25 3.50 3.75 4.00 4.25 5.00SUNRISE 4.00 4.00 4.25-4.5 4.25-5 2.50 2.50 3.00 3.00 3.50 3.50 4.00 4.00 4.25 4.75 4.50 5.25BANK ASIA 4.00 4.00 3-4.75 4-4.75 2.50 2.75 2.75 3.00 3.50 4.00 4.50 4.25-4.75 5.00 4.5-5.5PRIME 4.00 4.00 4.5-4.75 4.5-4.75 1.25 1.25 1.75 1.75 2.75 2.75 3.00 3.00 4.50 4.50 4.75-5 4.75-5 Credit :

B.C. Exis. B.C. Exis. B.C. Exis. B.C. Exis. B.C. Exis. B.C. Exis. B.C. Exis. B.C. Exis.

NBL 10.00 10.00 8.00 8.00 - - +1.5% +1.5% 6.50 6.50 7.00 7.00 - - - -RBB 10.00 10.00 8.00 8.00 8.00 8.00 +1.5% +1.5% 5.00 5.00 7.00 7.00 - 6.00 - -NABIL - - 9.50 7-10.5 8.5-11 7-10.5 7.00 7.00 7-7.5 7-7.5 9.00 7.50 10.00 8.50 - -NIB 9.75-12 9.75-12 8.25-10.5 8.25-10.5 - - 7-8 7-8 7.00 7.00 8.00 8.00 - - - -SCBL 6.50 6.50 6.50-11.5 6.50-11.5 7.5-9 7.5-9 +2% ,+3% +2%,+3% 6.5-8 6.5-8 8.5-9.50 8.5-9.50 10-11 10-11 10-11.5 10-11.5HBL 8-10 8-10 6-8.75 6-8.75 6-9.5 6-9 +2 %,+2.5% +2.5% 6.50 6.50 6.5-8 7-8 - - - -NSBI 8.5-11 8.5-11 6.5-9 6.5-9 - - +1%,+2.% +1%,+2.% 6.5-7 6.5-7 7.5-9.5 7.5-9.5 - - - -NBB - - 9-9.5 9-9.5 - - - +2% 7.50 7.50 8.00 8.00 - - 10-12 10-10.5EBL 8-11 8-11 7-8 7-8 6.75-10 6.75-10 +1.25% +1.25% 5-6 5-6 7.5-8.5 7.5-8.5 - - 8-11 8-11BOK 10-13.50 10-13.50 5-10.5 5-10.5 8-12.50 8-12.5 6.5-8.5 6.5-8.5 6.5-8 6.5-8 8-10.5 8-10.5 6.5-8.5 6.5-8.5 10.5-13 10.5-13NCCB 13-14.5 13-14.5 9-11 10-11 - - +1.5%,+2% +1.5,+2% 9.00 9.00 10.50 10.50 - - 12.5-13.5 12.5-13.5LBL 11-13 10-12 - - 9-10.5 8-10 +2 % +2 % 7.50-8.5 7.50-8.5 8.50 8.50 - - 9-12.5 8-12NICB 6-12.5 6-11 6-10.5 4-9 8-10 7.5-9.5 +2%-3% +2% 6-8 6-8 6.5-8.5 6.5-8 - - - -MBL 9-11 9-11 7.5-8.5 7.5-8.5 7.5-9 7.5-9 +1.5% +1.5% 6.00 6.00 7.00 7.00 8.50 8.50 - -KBL 10-12 10-12 9.5-10.5 9.5-10.5 8-11 8-11 +2% +2% 7.75-9 7.75-9 9.50 9.50 9.5-10 9.5-10 10-12 10-12LAXMI 9.5-11 9.5-11 9-10 9-10 7-9.5 7-9.5 7.5-9 7.5-9 7.5-9 7.5-9 7.5-9 7.5-9 - -SIDHARTHA 9.75-11 9.75-11 8.5-10.5 8.5-10.5 8-9.5 8-9.5 +2% +2% 7.5-8 7.5-8 8.5-9 8.5-9 9-9.5 9-9.5 8-10.5 8-10.5ADB/N 11.5-15.5 11.5-12.5 - - - - - +2% - 6.50 - - - - 10-13 10.00GLOBAL 9-11 +2, +2.5 6.50 8.5-9 7-11.25CITIZENS 9-12 8.50 +2 7.50 8.00 8.5 8.25-11SUNRISE 8-10.5 9-10.5 6.5-8.5 7.5-8.5 6.5-8.5 7.5-8.5 +2 +2 6.50 6.50 6.5-8 6.5-8BANK ASIA 8-12 +2 6.50 6.50PRIME 9-10 7.5-9 7.00 7.00 7.00

Contd….

( Mid-January,2008)INTEREST RATE STRUCTURE OF COMMERCIAL BANKS AND ADB/N

Table No. 36

Agnst other Guran. Industrial Loan

6 months 1 year 2 yrs/Above

Banks Overdraft Export Credit Import L/C Against FDR Agnst HMG Bond Against BG/CG

14 days 1 month 2 months 3 monthsBanks Savings Special Savings7 days

36

B.C. Exis. B.C. Exis. B.C. Exis. B.C. Exis. B.C. Exis. B.C. Exis. B.C. Exis. B.C. Exis.

NBL - - 10.00 10.00 7.50 7.50 - - 10.00 10.00 10.50 10.50 5-11 4-11RBB - - 10.50 10.50 7.50 7.50 10.00 10.00 - - 7.00 9.00 APCD APCD 5-11 5-11NABIL - - 11-12 9.5-11 6-9 4.5-9 11-13 9-12 10-12 8-11.5 7-9.5 6.5-12 7-13 6.5-12NIB - - 4-12 4-12 4-9 4-9 11-12 11-12 10-12 9.75-12 9-11 9-11 6.5-13 6.5-13SCBL 11-11.5 11-11.5 - - 7.50 7.50 10-11.5 10-11.5 9-10 9-10 7-9.5 7-9.5 6.50-13 6.50-13HBL - - 10.00 - 4.5-8.25 4.5-8.25 8-10.5 8-10.5 - - 8-9 7-9 6-12 6-10.5NSBI - - 9.5-11 9.5-11 7-9 7-9 8.5-11 8.5-11 - - 8.5-9.5 8.5-9.5 6.25-11 6.25-11NBB 8-9.5 8-9.5 10.00 10.00 9.50 9.50 - - - 9.00 9.50 9.50 APCD APCD 6-10.5 7.5-10.5EBL 8-11 8-11 - - 4.5-10 4.5-10 8-11 8-11 8-11 8-11 6-7 8.5-10.5 4.5-11 4.5-11BOK 11-13.50 11-13.50 - - 6.5-11 6.5-11 10.5-13 10.5-13 10-13.50 10-13.50 7.5-11 7.5-11 5-13.50 5-13.50NCCB 13-14 11-14 12-13 12-13 7-11 7-11 12.5-14 12.5-14 - - 11.5-12.5 11.5-12.5 APCD 9-14.5 9-14LBL 9.5-13 8.5-12 11.5-12 7-10 5-8 11.5-13 10.5-12 11-13 9.5-12 10.5-11.5 10.5-11.5 4.5-15 5-13NICB - - - - 7.5-9.5 6-8 7-14 9-11 10-12 8-10.5 9-11 6.99-9.99 6-14 6-11.5MBL - - 10.00 5-10 5-10 10-11 10-11 9-11 9-11 8.5-9.5 8.5-9.5 APCD APCD 6.5-11 6.5-11KBL 10.5-12 10.5-12 10-12 10-12 6-7 6-7 11-12 11-12 10-12 10-12 9-11 9-11 6-13 6-13LAXMI - - 9.5-11 9.5-11 5-9 5-9 9-11 9-11 7.5-11 7.5-11 5-10 5-10 5-12 5-12SIDHARTHA 8.5-11 8.5-11 9.5-10.5 9.5-10.5 6-8 6-8 9.75-11 8.5-11 9.5-11 9.5-11 8.5-11 8.5-11 7-11 7-11ADB/N 11-14 11.00 - - - - - - - - 10-13 10.00 12.5-15.5 10-12.5GLOBAL 8-12 11.00 6-10 9-12 8.5-10.5 10-11 6-12CITIZENS 8.5-12 9-12 8.5-11.5 7-10 APCD 7-12SUNRISE 4.5-9 5-9 8.5-11 9.5-11 7-10.5 8-10.5 6.5-11 6.5-12BANK ASIA 9-11.5 8-12 6.5-11PRIME 11.00 9.00 9.00 7.5-10 7-12

B.C. = Before Change Exis. = Existing Banks

APCD = As Per Consortium Decision NEPAL BANK LTD (NBL)................................................. 2063/09/01 (16 Dec '2006 ) 2064/04/14 (30 Jul '2007 )RASTRIYA BANIJYA BANK (RBB) ................................ 2064/04/01 (17 Jul. '2007. ) 2064/07/01 (18 Oct. '2007. )NABIL BANK LTD.(NABIL) .................................... 2063/06/01 (17 Sep. 2006) 2063/12/07 (21 March. 2007)NEPAL INVESTMENT BANK (NIB) ................................ 2062/01/01 (14 Apr. '2005 ) 2064/07/15 (01 Nov. '2007 )STANDARD CHARTERED BANK. (SCBL)..................... 2064/04/01 (17 Jul.'2007 ) 2064/07/01 (18 Oct.'2007 )HIMALAYAN BANK LTD. (HBL).....................................2063/10/01 (15 Jan.'2007 ) 2064/06/13 (30 Sep.'2007 )NEPAL SBI BANK (NSBI)................................................. 2064/04/25 (10 Aug. '2007 ) 2064/09/05 (20 Dec. '2007 )NEPAL BANGLADESH BANK .(NBB)............................. 2062/03/31 (15 Jul '2005 ) 2064/04/15 (31 Jul '2007 )EVEREST BANK (EBL)..................................................... 2062/05/01 (17 Aug '2005 ) 2063/09/01 (16 Dec '2006 )BANK OF KATHMANDU .(BOK)..................................... 2063/08/10 (26 Nov '2006 ) 2064/09/01 (16 Jan '2008 )NEPAL CREDIT & COM. BANK LTD.(NCCB)............... 2062/06/01 (17 Sep. '2005 ) 2063/07/02 (19 Oct. '2006 )LUMBINI BANK LIMITED.(LBL)........................ 2063/03/32 (16 July. 2007) 2064/05/01 (18 August. 2007)NEPAL INDUSTRIAL & COMM.BANK LTD.(NICB)..... 2063/04/01 (17 July. '2006) 2064/06/16 (03 Oct. '2007)MACHHAPUCHCHHRE BANK LTD.(MPBL)................. 2063/05/16 (01 Sep. 2006 ) 2064/08/23 (09 Dec. 2007 )KUMARI BANK LTD.(KBL)............................................ 2064/04/01 (17 Jul.'2007) 2064/09/17 (01 Jan.'2008)LAXMI BANK LTD (LAXMI) 2062/12/19 ( 01 Apr 2006 ) 2063/12/18 ( 01 Mar 2007 )SIDHARTHA BANK LTD (SIDHARTHA) 2063/07/01 (18 Oct.2006) 2063/10/01 (15 Jan.2007)AGRICULTURE DEVELOPMENT BANK LTD (ADBL)............2061/04/01 ( 16 Jul '2004 ) 2062/04/01 ( 16 Jul '2004 ) GLOBAL BANK LTD (GLOBAL)……………. 2064/03/01 ( 15 June '2007 ) CITIZENS BANK INTERNATIONAL LTD (CITIZENS)………….. 2064/04/01 ( 17 Jul '2007 ) SUNRISE BANK LTD.(SUNRISE)……………………… 2064/07/14 ( 31 Oct. '2007 ) 2064/09/15 ( 30 Dec. '2007 ) BANK OF ASIA LTD.(BANK ASIA)………….. 2064/06/25 ( 12 Oct. '2007 ) 2064/09/22 (06 Jan. '2008 ) PRIME COMMERCIAL BANK LTD.(PRIME)……. 2064/08/23 ( 09 Dec. '2007 ) 2064/09/09 ( 24 Dec. '2007 )

OthersBanks Commercial Loan Priority Sector Deprived Sector Term Loan Working Capital

Effective DateBefore Change Existing

Hire Purchase Consortium

37

AD

B/N

Glo

bal

Citi

zen

Prim

e

Sun

rise

BO

A

Dist. Zone

Dev

.Reg

ion

Jhapa 3 6 6 - 2 1 - 1 - 1 - - 1 - - - - - - - - - 21 Ilam 2 1 2 - - - - - - - - - - - - - - - - - - - 5 Panchthar - 1 1 - - - - - - - - - - - - - - - - - - - 2 Taplejung - 1 2 - - - - - - - - - - - - - - - - - - - 3 Sunsari 3 4 6 1 2 2 1 2 2 - - - 1 - - 1 - - - - - - - 25 Morang 6 3 7 1 1 1 1 1 1 1 1 1 1 1 - 1 1 1 - - - - - 30 Dhankuta 1 1 1 - - - - - - - - - - - - - - - - - - - - 3 Terhathum - 1 1 - - - - - - - - - - - - - - - - - - - - 2 Sankhuwasava 2 1 - - - - - - - - - - - - - - - - - - - - - 3 Bhojpur 1 1 1 - - - - - - - - - - - - - - - - - - - - 3 Saptari 1 2 3 - - - - - - - - - - - - - - - - - - - - 6 Udayapur 1 1 1 - - - - - - - - - - - - - - - - - - - - 3 Siraha 3 3 5 - - - - - - - - - - - - - - - - - - - - 11 Khotang 1 - - - - - - - - - - - - - - - - - - - - - 1 Okhaldhunga 1 - - - - - - - - - - - - - - - - - - - - - - 1 Solukhumbu 3 - - - - - - - - - - - - - - - - - - - - - - 3

Table No. 37

Devel-opmentRegion

Zone District

RB

B*

NB

L

NB

BL

NaB

L

EB

L

HB

L

NS

BIB

L

SC

BN

L

NC

CB

L

KB

L

SB

L

LaB

L

BO

KL

NIB

L

NIC

BL

LuB

L

Total

Eas

tern

Mec

hi

31

122 Kos

hi

66

Sag

arm

atha

25

MB

L

List of Class A Licensed Financial Institution (Commercial Banks) BranchesMid-January 2008

38

AD

B/N

Glo

bal

Citi

zen

Prim

e

Sun

rise

BO

A

Dist. Zone

Dev

.Reg

ion

Sarlahi 1 1 4 - - - - - - - - - - - - - - - - - - - 6 Dhanusha 2 2 3 1 - 1 - 1 - - 1 1 1 - - - 1 - - - - - 14 Mohattari 1 5 - - - - - - - - - - - - - - - - - - - 6 Dolakha 1 1 1 - - - - - - - - - - - - - - - - - - 3 Ramechhap 2 - 1 - - - - - - - - - - - - - - - - - - 3 Sindhuli 1 - 1 - - - - - - - - - - - - - - - - - - 2 Bara 2 4 - - 1 - - 1 1 1 - - - - - - - 10 Rautahat 2 2 2 - - - - - - - - - - - - - - - - - - 6 Parsa 2 3 3 1 2 2 1 3 - 1 1 1 1 - 1 2 1 1 1 - - - 27 Chitawan 2 2 6 - 1 - 2 - - 1 - 1 1 - - 1 - - - - 17 Makawanpur 1 2 2 1 1 - 1 - 1 - 1 - - 1 - - - - - - 11 Kathmandu 16 11 19 4 6 7 4 3 2 4 3 4 2 1 2 3 2 3 1 1 1 1 1 101 Bhaktapur 3 2 3 - - - 1 - - - - 1 - - - - - - - - - 10 Lalitpur 2 5 4 2 1 1 2 - 1 1 1 1 1 - 1 1 - 1 - - - - 25 Rsauwa - 1 - - - - - - - - - - - - - - - - - - - 1 Dhading 2 - 2 - - - - - - - - - - - - - - - - - - 4 Sindhupalchok 1 1 1 - - - - - 1 - - - - - - - - - - - 4 Kabhre 2 3 2 - - - 1 - - 1 - 1 - - 1 1 - - - - 12 Nuwakot 1 1 1 1 - - - - - - - - - - - - - - - - 4 Lamjung 1 1 2 - - - - - - - - - - - - - - - - - - 4 Tanahun 1 1 1 - - - - - - - - - - 1 - - - - - - 4 Gorkha 1 1 - - - - - - - - - - - - - - - - - - - 2 Manang - 1 - - - - - - - - - - - - - - - - - - - 1 Syangja 1 2 3 - - - - - - - - - - - - - - - - - - 6 Kaski 3 3 4 1 2 1 1 3 3 1 1 1 1 - 4 1 1 2 - - - - 33 Gulmi 1 - 1 - - - - - - - - - - - - - - - - - - 2 Nawalparasi 3 1 4 - - - - - - - - - - - - - - - - - - 8 Palpa 1 1 1 - - - - - - - - - - - - - - - - - - 3 Arghakanchi 1 - - - - - - - - - - - - - - - - - - - - 1 Rupandehi 2 2 10 1 3 2 2 2 2 3 1 2 - 1 1 - - - - - 34 Kapilbastu 1 2 3 - - - - - - - - - - - - - - - - - - 6 Baglung 1 1 1 - 1 - - - - - - - - - - - - 1 - - - 5 Parwat 1 1 1 - - - - - - - - - - - - - - - - - - 3 Mustang - 1 - - - - - - - - - - - - 1 - - - - - - 2 Myagdi 1 1 1 - - - - - - - - - - - - - - - - - - 3

Devel-opmentRegion

Zone District

RB

B*

NB

L

NB

BL

NaB

L

EB

L

HB

L

NS

BIB

L

SC

BN

L

NC

CB

L

KB

L

SB

L

LaB

L

BO

KL

NIB

L

NIC

BL

LuB

L

Total

MB

L

Cen

tral

Jana

kpur

34

266 Nar

ayan

i

71

Bag

mat

i

161

Wes

tern

Gan

daki

50

117

Lum

bini

54

Dha

wla

giri

13

39

AD

B/N

Glo

bal

Citi

zen

Prim

e

Sun

rise

BO

A

Dist. Zone

Dev

.Reg

ion

Rolpa - 1 - - - - - - - - - - - - - - - - - - - 1 Dang 2 1 5 - 2 - - - - - - - - - - - - - - - - 10 Rukum - 1 - - - - - - - - - - - - - - - - - - - 1 Salyan - 1 - - - - - - - - - - - - - - - - - - - 1 Pyuthan 1 1 - - - - - - - - - - - - - - - - - - - 2 Jumla 1 - - - - - - - - - - - - - - - - - - - - 1 Mugu 1 - - - - - - - - - - - - - - - - - - - - 1 Humla 1 - - - - - - - - - - - - - - - - - - - - 1 Kalikot 1 - - - - - - - - - - - - - - - - - - - - 1 Dolpa - 1 - - - - - - - - - - - - - - - - - - - 1 Dailekh 1 - - - - - - - - - - - - - - - - - - - - 1 Surkhet 1 1 1 - - - - - - - - - - - - - - - - - - 3 Jajarkot - 1 - - - - - - - - - - - - - - - - - - - 1 Bardiya 1 1 - - - - - - - - - - - - - - - - - - - 2 Banke 2 2 - 1 1 1 - - 1 - 1 1 1 - - - - - - - 11 Bajhang 1 - - - - - - - - - - - - - - - - - - - - 1 Doti 2 - - - - - - - - - - - - - - - - - - - - 2 Bajura 1 - - - - - - - - - - - - - - - - - - - - 1 Kailali 3 2 5 1 1 1 - - - - 1 - - - - - - - - - 14 Achham 1 - - - - - - - - - - - - - - - - - - - - 1 Darchula 1 - - - - - - - - - - - - - - - - - - - 1 Baitadi 1 - - - - - - - - - - - - - - - - - - - 1 Dadeldhura 1 1 - - - - - - - - - - - - - - - - - - - 2 Kanchanpur 1 1 4 - 1 - - - - 1 - - - - - - - - - - - 8

114 97 147 17 27 21 17 16 13 17 13 16 10 5 12 9 5 11 3 1 1 1 1 574 574 574 * It excludes its four regional branches that are performing non-banking activities in Biratnagar, Birjung, Pokhara and Nepalgunj.

Devel-opmentRegion

Zone District

RB

B*

NB

L

NB

BL

NaB

L

EB

L

HB

L

NS

BIB

L

SC

BN

L

NC

CB

L

KB

L

SB

L

LaB

L

BO

KL

NIB

L

NIC

BL

LuB

L

Total

MB

L

Rap

ti

15

38

Kar

nali

5

Bhe

ri

18

Total

Far W

este

rn Seti

19

31

Mah

akal

i

12

Mid

-Wes

tern

40

(Rs in Lakh)

2001 2002 2003 2004 2005 2006 2007 2007 2008

1 CAPITAL FUND 3223.19 26856.58 41226.2 41586.56 47548.58 47651.6 40600.4 37264.4 54496.39 a. Paid-up Capital 3163.37 23580.6 24008.4 25053.7 31527.4 31223.6 28606.2 25319.2 42754.2 b. General Reserves 7.52 2941.7 2149.4 2208.9 2301.98 2557.9 1375.2 1328.2 2194.19

c. Share Premium 19 19 59d. Retained Earning 281 -392 -377 -1500e. Others Reserves 52.3 334.28 15068.4 14323.96 13719.2 13589.1 10992 10975 10989

1. Ex.Eq.Fund 0 2. Other 10992 10975 11003

2 BORROWINGS 1.48 59320.76 58894.05 59599.3 51177.65 52262.2 22318.7 20889.7 27383.7 a. NRB 1.48 3025.76 11152.08 11759.3 11427.95 11591 7965 7951 7840

b. "A"Class Licensed Institution 41563 6871 6969 6830 7583 5967 6512 8693c. Foreign Banks and Fin. Ins. 0 0 0d. Other Financial Ins. 14732 40870.97 40871 32919.7 32996.2 7976.7 6015.7 10440.7e. Bonds and Securities 92 410 411 410

3 DEPOSITS 21959.96 246774.5 288024.5 294271.95 339578.41 358327.4 153700 123576 215915a. Current 1578 1080 3544 Domestic 1565 1077 3533 Foreign 13 3 11b. Savings 60027 47459 93642 Domestic 59019 47274 93319 Foreign 1008 185 323c. Fixed 71325 58692 91965 Domestic 67205 56670 86560 Foreign 4120 2022 5405d. Call Deposits 14079 9629 18877e. Others 6691 6716 7887

4 Bills Payable 20 0 156 Other Liabilities 380.9 50896 85771.6 94120.26 150028.37 149165.2 15713 12797 24586

1. Sundry Creditors 64.5 9 5207.9 5254.48 179.37 251 664 823 1192 2. Loan Loss Provision 1723 6605 5162 7866 3. Interest Suspense a/c 1508 2647 2677 3499 4. Others 316.4 50887 80563.7 88865.78 149849 145683.2 5797 4135 12029

7 Reconcillation A/c 2818.58 2561.09 627.7 2015 928 582 57438 Profit & Loss A/c 432.5 -5433 -6588.4 -13123.84 -10811.15 -8436.1 -6698.1 -8657.12 -7540.1

Total Sources of Funds 25998.03 378414.8 470146.5 479015.3 578149.6 600985.3 226582 186451.98 320598.991 LIQUID FUNDS 4793.99 36294.51 41369.64 40536.76 45627.43 52325.3 37313.5 30152.5 49404.5

a. Cash Balance 118.55 30572.57 7251.37 7421.26 6572.17 6894 2372.1 2037.1 3498.1 Nepalese Notes & Coins 6683 2133.1 1818.1 3332.1 Foreign Currency 211 239 219 166b. Bank Balance 4675.44 5721.94 34118.27 33115.5 39055.26 36911.3 22555.4 17644.4 29125.4 1. In Nepal Rastra Bank 56 549.42 14594 15140 12534.28 13987.1 5222.7 3099.7 6777.7 Domestic Currency 13981.1 5181.7 3093.7 6756.7 Foreign Currency 6 41 6 21 2. "A"Class Licensed Institution 4178.88 4826.82 18634.27 16325.5 24657.68 18262.2 10212.7 8490.7 12943.7 Domestic Currency 18251.2 10181.7 8392.7 12925.7 Foreign Currency 11 31 98 18 3. Other Financial Ins. 440.56 345.7 890 1650 1863.3 4662 7075 6050 9264 4. in Foreign banks 45 4 140C.Money at Call 8520 12386 10471 16781 Domestic Currency 8519 11244 8522 15600 Foreign Currency 1 1142 1949 1181

2 INVESTMENT IN SECURITIES 500 16240 11616.6 11147.35 4748.55 5143.7 1479 1291 2108a. Govt.Securities 500 16240 11616.6 11147.35 4748.55 5143.7 1374 1291 1953b. NRB Bond 0c. Govt.Non-Fin. Ins. 105 105d. Other Non-Fin Ins. 50e Non Residents 0

3 SHARE & OTHER INVESTMENT 653.25 11676.37 12176.47 11969.35 15161.66 16046.9 13886.8 13018.8 27019.8 1.1 Non Residents 87 87 39 2.Others 13799.8 12931.8 26980.8

4 LOANS & ADVANCES 18410.34 275548.2 310268.8 319052.59 298937.05 311399.5 153597 123755 210152a. Govt. Entp.a. Pvt. Sector 18410.34 275548.2 310268.8 319052.59 298937.05 311399.5 153597 123755 210152b. Financial

5 BILL PURCHED 22 141 167 266 a. Domestic Bills Purchased 22 141 167 266 b. Foreign Bills Purchased 0 0 0 c. Import Bills & Imports 0 0 0

6 LOANS AGAINST COLLECTED BILLS 0 0 0 a. Against Domestic Bills 0 0 0 b. Against Foreign Bills 0 0 0

8 FIXED ASSETS 2265 3954 3446 65169 OTHER ASSETS 1640.45 38655.76 94332.65 96039.43 212795.44 207395.9 6347.7 6787.68 15512.68

a. Accrued Interests 632.89 231.32 11755.38 13148 2126.3 1711.7 2789.7 3074.68 3756.68 Govt. Entp. 23 Private Sector 2789.7 3051.68 3756.68 c. Sundry Debtors 130.4 88.4 60529.65 60531.2 110.5 373.5 604.5 640.5 1984.5 d. Cash In Transit 102 20 13 e. Others 877.16 38336.04 22047.62 22360.23 210558.64 205310.7 2851.5 3052.5 9758.5

10 Expenses not Written off 346 615 581 91511 Non Banking Assets 701 1033 531 73712 Reconcillation Account 340.8 182.45 575.46 2021 657 859 107013 Profit & Loss A/c 41.57 87.39 303.97 3319 7558 5863 6898Total uses of Fund 25998.03 378414.8 470146.5 479015.3 578149.6 600985.3 226582 186451.98 320598.98

Md-Jan

Table No. 38SOURCES AND USES OF FUND OF DEVELOPMENT BANKS

(AGGREGATE)

Mid-July

41

(Rs.In Lakh)

NID

C*

ND

B

UD

BL

Mal

ika

Sidd

hart

h

DEV

.CR

CSI

Uni

ted

Nar

ayan

i

Pash

chim

.

Saha

yogi

Pash

upat

i

Kar

nali

Ann

apur

na

Triv

eni

Bhr

ikut

i

Bag

eshw

ori

Gor

kha

Sani

ma

Bus

ines

s

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 201 CAPITAL FUND 15701.4 2719.0 329.0 635.0 582.0 3480.0 -1387.0 35.0 229.0 661.0 236.0 645.0 204.0 671.0 393.0 378.0 398.0 3259.0 3478.0 670.0 a. Paid-up Capital 4158.2 2538.0 175.0 500.0 500.0 3011.0 1120.0 35.0 200.0 525.0 200.0 610.0 204.0 600.0 350.0 240.0 300.0 3200.0 3200.0 600.0 b. General Reserves 675.2 181.0 13.0 41.0 48.0 341.0 68.0 0.0 15.0 40.0 10.0 10.0 0.0 15.0 12.0 8.0 5.0 56.0 15.0

c. Share Premium 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 59.0 0.0d. Retained Earning 0.0 0.0 141.0 91.0 34.0 128.0 -2575.0 0.0 0.0 96.0 26.0 25.0 0.0 56.0 31.0 130.0 93.0 222.0 55.0e. Others Reserves 10868.0 0.0 0.0 3.0 0.0 0.0 0.0 0.0 14.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

1. Ex.Eq.Fund 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 2. Other 10868.0 0.0 0.0 3.0 0.0 0.0 0.0 0.0 14.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

2 BORROWINGS 13494.7 0.0 0.0 631.0 123.0 500.0 0.0 623.0 99.0 200.0 0.0 79.0 24.0 497.0 272.0 100.0 150.0 300.0 4796.0 450.0 a. NRB 7785.0 0.0 0.0 41.0 14.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

b. "A"Class Licensed Institution 0.0 0.0 0.0 130.0 0.0 500.0 0.0 0.0 99.0 100.0 0.0 79.0 0.0 0.0 101.0 100.0 300.0 4796.0 450.0c. Foreign Banks and Fin. Ins. 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0d. Other Financial Ins. 5709.7 0.0 0.0 50.0 109.0 0.0 623.0 0.0 100.0 0.0 0.0 24.0 497.0 171.0 0.0 150.0e. Bonds and Securities 410.0 0.0

3 DEPOSITS 5225.0 7263.0 712.0 6596.0 6602.0 30678.0 1359.0 237.0 2827.0 6748.0 1836.0 1623.0 2331.0 3096.0 3174.0 4457.0 3019.0 15434.0 24095.0 4742.0a. Current 0.0 0.0 0.0 0.0 0.0 406.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 78.0 0.0 0.0 0.0 358.0 0.0 Domestic 0.0 0.0 0.0 0.0 0.0 406.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 78.0 0.0 0.0 351.0 0.0 Foreign 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 7.0b. Savings 0.0 1664.0 75.0 5129.0 4342.0 9944.0 106.0 54.0 1154.0 3469.0 1179.0 662.0 1436.0 1279.0 2031.0 2724.0 2302.0 8891.0 5885.0 3280.0 Domestic 0.0 1662.0 75.0 5129.0 4342.0 9917.0 106.0 54.0 1154.0 3469.0 1179.0 662.0 1436.0 1279.0 2031.0 2724.0 2302.0 8891.0 5619.0 3280.0 Foreign 0.0 2.0 0.0 0.0 0.0 27.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 266.0 0.0c. Fixed 0.0 5393.0 637.0 1463.0 2260.0 17600.0 139.0 183.0 1601.0 3271.0 657.0 882.0 895.0 1817.0 591.0 1616.0 717.0 5063.0 15269.0 1445.0 Domestic 0.0 5393 637 1463 2260 17600 139 183.0 1601 3271 657 882 895 1817 591 1616 717 5063 9864 1445 Foreign 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 5405.0d. Call Deposits 0.0 1.0 0.0 0.0 0.0 1220.0 1110.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 474.0 82.0 1103.0 2521.0 13.0e. Others 5225.0 205.0 0.0 4.0 0.0 1508.0 4.0 0.0 72.0 8.0 0.0 79.0 0.0 0.0 0.0 35.0 377.0 62.0 4.0

4 Bills Payable 0.0 0.0 0.0 0.0 0.0 7.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 5.0 0.0 0.0 0.0 0.0 0.06 Other Liabilities 0.0 5184.0 218.0 735.0 420.0 1946.0 8600.0 798.0 399.0 407.0 134.0 124.0 81.0 134.0 75.0 456.0 85.0 543.0 518.0 160.0

1. Sundry Creditors 0.0 1.0 1.0 211.0 10.0 0.0 27.0 32.0 8.0 46.0 0.0 7.0 7.0 15.0 15.0 19.0 0.0 116.0 1.0 12.0 2. Loan Loss Provision 0.0 1062.0 32.0 321.0 131.0 582.0 2900.0 484.0 180.0 142.0 70.0 74.0 50.0 60.0 39.0 86.0 46.0 285.0 223.0 62.0 3. Interest Suspense a/c 0.0 591.0 103.0 148.0 70.0 291.0 1339.0 244.0 116.0 40.0 49.0 18.0 3.0 32.0 14.0 34.0 4.0 1.0 38.0 41.0 4. Others 0.0 3530.0 82.0 55.0 209.0 1073.0 4334.0 38.0 95.0 179.0 15.0 25.0 21.0 27.0 7.0 317.0 35.0 141.0 256.0 45.0

7 Reconcillation A/c 0.0 0.0 0.0 164.0 0.0 4679.0 0.0 0.0 42.0 0.0 0.0 0.0 48.0 0.0 64.0 0.0 0.0 0.0 0.0 0.08 Profit & Loss A/c -9765.1 0.0 16.0 221.0 118.0 131.0 0.0 35.0 113.0 77.0 35.0 18.0 35.0 216.0 49.0 69.0 3.0 249.0 120.0 110.0

TOTAL LIABILITIES 24656.0 15166.0 1275.0 8982.0 7845.0 41421.0 8572.0 1728.0 3709.0 8093.0 2241.0 2489.0 2723.0 4614.0 4032.0 5460.0 3655.0 19785.0 33007.0 6132.01 LIQUID FUNDS 2209.5 1792.0 62.0 1247.0 1510.0 6697.0 1225.0 56.0 293.0 738.0 519.0 119.0 842.0 378.0 552.0 861.0 306.0 1755.0 2817.0 567.0

a. Cash Balance 0.1 89.0 1.0 177.0 78.0 169.0 37.0 1.0 68.0 110.0 42.0 29.0 109.0 26.0 63.0 135.0 120.0 275.0 192.0 72.0 Nepalese Notes & Coins 0.1 82.0 1.0 161.0 78.0 157.0 37.0 1.0 67.0 110.0 42.0 29.0 98.0 26.0 61.0 135.0 113.0 259.0 185.0 70.0 Foreign Currency 0.0 7.0 0.0 16.0 0.0 12.0 0.0 0.0 1.0 0.0 0.0 0.0 11.0 0.0 2.0 0.0 7.0 16.0 7.0 2.0b. Bank Balance 2209.4 1450.0 61.0 203.0 1432.0 2258.0 1188.0 55.0 225.0 628.0 477.0 90.0 733.0 352.0 489.0 726.0 186.0 777.0 1413.0 495.0 1. In Nepal Rastra Bank 7.7 130.0 16.0 143.0 5.0 1806.0 186.0 22.0 2.0 5.0 47.0 1.0 49.0 0.0 0.0 8.0 88.0 212.0 744.0 97.0 Domestic Currency 7.7 130.0 16.0 143.0 5.0 1806.0 186.0 22.0 2.0 5.0 47.0 1.0 49.0 0.0 0.0 8.0 88.0 212.0 734.0 97.0 Foreign Currency 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 10.0 2. "A"Class Licensed Institution 2201.7 17.0 43.0 60.0 607.0 65.0 1002.0 33.0 192.0 507.0 430.0 67.0 684.0 104.0 324.0 718.0 98.0 17.0 45.0 398.0 Domestic Currency 2201.7 17.0 43.0 60.0 607.0 64.0 997.0 33.0 192.0 507.0 430.0 67.0 684.0 104.0 324.0 718.0 98.0 17.0 44.0 388.0 Foreign Currency 0.0 0.0 0.0 0.0 0.0 1.0 5.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 1.0 10.0 3. Other Financial Ins. 0.0 1287.0 2.0 0.0 820.0 326.0 0.0 0.0 31.0 116.0 0.0 22.0 0.0 248.0 165.0 0.0 548.0 606.0 0.0 4. in Foreign banks 0.0 16.0 0.0 0.0 0.0 61.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 18.0C.Money at Call 0 253 0 867 0 4270 0 0 0 0 0 0 0 0 0 0 0 703.0 1212.0 0 Domestic Currency 0.0 214 0.0 867.0 0.0 4201.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 703.0 653.0 Foreign Currency 0.0 39.0 0.0 0.0 0.0 69.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 559.0

2 INVESTMENT IN SECURITIES 0 0 0 418 0 175 100 0 0 0 0 0 0 0 0 0 0 0 176 0a. Govt.Securities 0.0 0.0 0.0 418.0 0.0 175.0 100.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 176.0c. Govt.Non-Fin. Ins. 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0d. Other Non-Fin Ins. 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0e Non Residents 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

3 SHARE & OTHER INVESTMENT 1320.8 877.0 0.0 1347.0 535.0 1064.0 3.0 38.0 511.0 150.0 1.0 123.0 100.0 1043.0 0.0 300.0 0.0 2326.0 8135.0 775.0 1.1 Non Residents 0.0 0.0 0.0 0.0 0.0 0.0 39.0 0.0 0.0 0.0 0.0 0.0 0.0 2.Others 1320.8 877.0 0.0 1347.0 535.0 1064.0 3.0 38.0 472.0 150.0 1.0 123.0 100.0 1043.0 0.0 300.0 0.0 2326.0 8135.0 775.0

4 LOANS & ADVANCES 20655.0 5167.0 909.0 4999.0 5471.0 26229.0 5722.0 713.0 2578.0 6724.0 1592.0 2187.0 1526.0 2743.0 3295.0 4060.0 2848.0 14931.0 21212.0 4566.0a. Govt. Entp. 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0b. Financial Institutions 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0c. Pvt. Sector 20655.0 5167.0 909.0 4999.0 5471.0 26229.0 5722.0 713.0 2578.0 6724.0 1592.0 2187.0 1526.0 2743.0 3295.0 4060.0 2848.0 14931.0 21212.0 4566.0

5 BILL PURCHED 0 0 0 0 0 34 67 0 0 0 0 0 0 162 0 0 0 0 0 0 a. Domestic Bills Purchased 0.0 0.0 0.0 0.0 0.0 34.0 67.0 0.0 0.0 0.0 0.0 0.0 0.0 162.0 0.0 0.0FIXED ASSETS 0.0 128.0 10.0 64.0 157.0 1569.0 85.0 16.0 32.0 230.0 41.0 19.0 74.0 33.0 50.0 121.0 165.0 99.0 210.0 129.0

8 OTHER ASSETS 470.7 1018.0 130.0 787.0 150.0 5514.0 1346.0 318.0 253.0 205.0 75.0 38.0 164.0 68.0 56.0 108.0 47.0 532.0 394.0 95.09 a. Accrued Interests 29.68 591 103 148 0 355 1339 201 116 40 49 18 49 32 4 21 0 64 130 0

Private Sector 29.7 591.0 103.0 148.0 0.0 355.0 1339.0 252.0 116.0 40.0 49.0 18.0 49.0 32.0 4.0 21.0 0.0 64.0 130.0 0.0 c. Sundry Debtors 39.5 16.0 22.0 530.0 26.0 21.0 0.0 45.0 77.0 37.0 12.0 0.0 9.0 4.0 18.0 28.0 6.0 15.0 3.0 16.0 d. Cash In Transit 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 12.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 e. Others 401.5 411.0 5.0 109.0 124.0 5138.0 7.0 72.0 60.0 116.0 14.0 20.0 106.0 32.0 34.0 59.0 41.0 453.0 261.0 79.0

10 Expenses not Written off 0.0 63.0 0.0 0.0 4.0 139.0 0.0 0.0 0.0 34.0 11.0 3.0 17.0 22.0 16.0 10.0 33.0 142.0 63.0 0.011 Non Banking Assets 0.0 160.0 161.0 120.0 18.0 0.0 176.0 0.0 0.0 11.0 2.0 0.0 0.0 0.0 63.0 0.0 0.0 0.0 0.0 0.012 Reconcillation Account 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 42.0 1.0 0.0 0.0 0.0 0.0 0.0 0.0 256.0 0.0 0.0 0.013 Profit & Loss A/c 0.0 5961.0 3.0 0.0 0.0 0.0 -152.0 587.0 0.0 0.0 0.0 0.0 0.0 165.0 0.0 0.0 0.0 0.0 0.0 0.0

24656.0 15166.0 1275.0 8982.0 7845.0 41421.0 8572.0 1728.0 3709.0 8093.0 2241.0 2489.0 2723.0 4614.0 4032.0 5460.0 3655.0 19785.0 33007.0 6132.0 *Figures Are as 20031. NIDC=NEPAL INDUSTRIAL DEVELOMENT CORPORATION 6. DEV.CR.=DEVELOPMENT CREDIT BANK LTD. 11.SAHAYOGI=SAHAYOGI BIKAS BANK LTD. 16. BHRIKUTI= BHRIKUTI BIKAS BANK LTD2. NDB=NEPAL DEVLOPMENT BANK. 7. CSI=NEPAL CSI DEVELOPMENT BANK LTD. 12. PASHUPATI=PASHUPATI BIKAS BANK LTD. 17. BAGESHWORI=BAGESHWORI BIKAS BA3. UDBL=UDHYAM DEVLOPMENT BANK LTD. 8. UNITED=UNITED DEVELOPMENT BANK LTD. 13. KARNALI=KARNALI BIKAS BANK LTD. 18. GORKHA=GORKHA BIKAS BANK LTD4. MALIKA=MALIKA DEVLOPMENT BANK. 9. NARAYANI =NARAYANIN AUDYOGIK DEVELOPMENT B14. ANNAPURNA = ANNAPURNA BIKAS BANK LTD. 19. SANIMA=SANIMA BAKAS BANK LTD5. SIDDHARTHA=SIDDHARTHA DEVELOPMENT BANK LTD. 10.PASHCHIM=PASHCHIMANCHAL BIKAS BANK LTD. 15. TRIVENI=TRIVENI BIKAS BANK LTD 20 BUSINESS=BUSINESS DEV. FINANCIAL

TOTAL ASSETS

Sources & Uses of Fund of Development Banks.Mid-Jan. 2008 (Poush,2064)

Table No 39

42

Infr

astr

uctu

re

Gan

daki

Gau

ri Sh

a.

Subh

echc

hha

Bira

t Lax

mi

Exce

l Dev

.

Wes

tern

Him

chul

i

Nep

al D

ev.

Ara

niko

MIT

ERI

Muk

tinat

h

Tina

u

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21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 401 CAPITAL FUND 695.0 552.0 380.0 318.0 524.0 229.0 127.0 663.0 1920.0 152.0 139.0 261.0 182.0 1662.0 136.0 161.0 140.0 450.0 59.0 3589.0 a. Paid-up Capital 560.0 500.0 380.0 280.0 300.0 200.0 108.0 650.0 1920.0 169.0 158.0 260.0 210.0 1787.0 140.0 175.0 140.0 450.0 59.0 3200.0 b. General Reserves 27.0 12.0 0.0 9.0 206.0 0.0 13.0 1.0 373.0

c. Share Premium 0.0 0.0 4.0 -4.0d. Retained Earning 52.0 40.0 0.0 1.0 18.0 9.0 15.0 -17.0 -19.0 -28.0 -125.0 -14.0 16.0e. Others Reserves 56.0 0.0 0.0 28.0 0.0 20.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

1. Ex.Eq.Fund 2. Other 56.0 28.0 34.0

2 BORROWINGS 0.0 0.0 35.0 60.0 0.0 11.0 0.0 0.0 950.0 0.0 50.0 199.0 0.0 2078.0 0.0 0.0 0.0 362.0 0.0 1300.0 a. NRB 0.0

b. "A"Class Licensed Institution 1276.0 362.0 400.0c. Foreign Banks and Fin. Ins.d. Other Financial Ins. 0.0 35.0 60.0 11.0 950.0 50.0 199.0 802.0 900.0e. Bonds and Securities

3 DEPOSITS 6887.0 3611.0 1615.0 2108.0 2236.0 1865.0 1368.0 6255.0 10654.0 645.0 549.0 1763.0 1500.0 11007.0 483.0 1647.0 479.0 1622.0 261.0 15317.0a. Current 0.0 0.0 104.0 0.0 179.0 0.0 0.0 282.0 162.0 19.0 58.0 48.0 0.0 484.0 0.0 0.0 0.0 0.0 0.0 963.0 Domestic 0.0 104.0 179.0 0.0 282.0 162.0 19.0 58.0 48.0 0.0 480.0 0.0 963.0 Foreign 4.0b. Savings 4520.0 2199.0 817.0 627.0 903.0 1554.0 1062.0 1888.0 5344.0 423.0 296.0 619.0 845.0 2590.0 345.0 662.0 475.0 557.0 260.0 6495.0 Domestic 4520.0 2199.0 817.0 627.0 903.0 1554.0 1062.0 1888.0 5316.0 423.0 296.0 619.0 845.0 2590.0 345.0 662.0 475.0 557.0 260.0 6495.0 Foreign 0.0 0.0 28.0c. Fixed 2182.0 1409.0 694.0 1481.0 1154.0 311.0 279.0 2034.0 2448.0 196.0 195.0 720.0 624.0 4738.0 138.0 983.0 4.0 1065.0 1.0 7132.0 Domestic 2182 1409 694 1481 1154 311 279 2034 2448 196 195 720 624 4738 138 983 4 1065 1 7132 Foreignd. Call Deposits 129.0 2021.0 2681.0 376.0 18.0 3152.0 712.0e. Others 56.0 3.0 0.0 0.0 0.0 27.0 30.0 19.0 7.0 13.0 43.0 2.0 0.0 0.0 15.0

4 Bills Payable 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 1.0 0.0 0.0 1.0 0.0 0.0 0.06 Other Liabilities 278.0 96.0 111.0 122.0 87.0 175.0 138.0 125.0 229.0 20.0 81.0 31.0 256.0 272.0 19.0 67.0 6.0 28.0 8.0 959.0

1. Sundry Creditors 7.0 3.0 7.0 24.0 24.0 143.0 22.0 17.0 3.0 3.0 68.0 3.0 0.0 11.0 4.0 19.0 1.0 1.0 6.0 42.0 2. Loan Loss Provision 122.0 35.0 80.0 67.0 34.0 0.0 38.0 62.0 144.0 13.0 6.0 17.0 15.0 107.0 10.0 17.0 5.0 20.0 2.0 147.0 3. Interest Suspense a/c 102.0 12.0 18.0 0.0 7.0 4.0 9.0 35.0 21.0 8.0 7.0 5.0 2.0 10.0 0.0 0.0 68.0 4. Others 47.0 46.0 6.0 31.0 22.0 28.0 69.0 11.0 61.0 4.0 7.0 3.0 234.0 149.0 3.0 21.0 0.0 7.0 702.0

7 Reconcillation A/c 0.0 0.0 208.0 0.0 492.0 51.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.08 Profit & Loss A/c 47.0 51.0 -5.0 158.0 28.0 36.0 -1.0 128.0 21.0 1.0 4.0 20.0 10.0 95.0 1.0 16.0 7.0 5.0 0.0 95.0

TOTAL LIABILITIES 7907.0 4310.0 2344.0 2766.0 3367.0 2367.0 1632.0 7171.0 13774.0 818.0 823.0 2274.0 1948.0 15115.0 639.0 1891.0 633.0 2467.0 328.0 21260.01 LIQUID FUNDS 1106.0 1214.0 510.0 242.0 531.0 631.0 366.0 1301.0 2344.0 130.0 134.0 515.0 408.0 3117.0 200.0 179.0 75.0 329.0 161.0 2719.0

a. Cash Balance 181.0 55.0 77.0 79.0 71.0 96.0 88.0 36.0 45.0 21.0 7.0 85.0 21.0 157.0 16.0 10.0 11.0 28.0 11.0 109.0 Nepalese Notes & Coins 149.0 38.0 77.0 79.0 71.0 95.0 88.0 29.0 39.0 20.0 7.0 85.0 21.0 149.0 16.0 10.0 10.0 28.0 11.0 109.0 Foreign Currency 32.0 17.0 0.0 1.0 7.0 6.0 1.0 0.0 8.0 1.0 0.0 0.0b. Bank Balance 925.0 1159.0 433.0 163.0 460.0 535.0 278.0 367.0 514.0 109.0 127.0 430.0 387.0 645.0 16.0 169.0 12.0 301.0 150.0 588.0 1. In Nepal Rastra Bank 217.0 84.0 10.0 0.0 109.0 0.0 0.0 367.0 495.0 0.0 1.0 9.0 2.0 378.0 0.0 0.0 1.0 30.0 3.0 586.0 Domestic Currency 216.0 84.0 10.0 0.0 109.0 367.0 495.0 0.0 1.0 9.0 2.0 368.0 0.0 1.0 30.0 3.0 586.0 Foreign Currency 1.0 10.0 2. "A"Class Licensed Institution 415.0 193.0 411.0 79.0 351.0 155.0 278.0 0.0 19.0 103.0 126.0 421.0 385.0 46.0 16.0 169.0 11.0 146.0 82.0 2.0 Domestic Currency 415.0 193.0 411.0 79.0 351.0 155.0 278.0 0.0 18.0 103.0 126.0 421.0 385.0 46.0 16.0 169.0 11.0 146.0 82.0 2.0 Foreign Currency 0.0 1.0 0.0 3. Other Financial Ins. 293.0 882.0 12.0 84.0 380.0 0.0 0.0 0.0 6.0 0.0 0.0 0.0 176.0 0.0 125.0 65.0 4. in Foreign banks 45.0C.Money at Call 0 0 0 0 0 0 0 898 1785 0 0 0 0 2315 168 0 52 0 0 2022 Domestic Currency 0.0 0.0 898.0 1567.0 0.0 2019.0 168.0 0.0 52.0 0.0 2022.0 Foreign Currency 0.0 218.0 296.0 0.0 0.0 0.0

2 INVESTMENT IN SECURITIES 105 0 0 0 0 0 0 0 0 0 100 0 0 0 0 0 0 0 0 984a. Govt.Securities 0.0 100.0 984.0c. Govt.Non-Fin. Ins. 105.0d. Other Non-Fin Ins. 0.0e Non Residents 0.0

3 SHARE & OTHER INVESTMENT 0.0 0.0 3.0 50.0 10.0 0.0 0.0 0.0 2645.0 0.0 0.0 0.0 2.0 716.0 1.0 2.0 0.0 0.0 0.0 4692.0 1.1 Non Residents 0.0 2.Others 0.0 3.0 50.0 10.0 2645.0 2.0 716.0 1.0 2.0 4692.0

4 LOANS & ADVANCES 6171.0 2980.0 1395.0 2287.0 2244.0 1625.0 1186.0 5698.0 8240.0 659.0 548.0 1655.0 1478.0 10726.0 416.0 1647.0 521.0 2022.0 149.0 10613.0a. Govt. Entp. 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0b. Financial Institutions 0.0 0.0 0.0 0.0c. Pvt. Sector 6171.0 2980.0 1395.0 2287.0 2244.0 1625.0 1186.0 5698.0 8240.0 659.0 548.0 1655.0 1478.0 10726.0 416.0 1647.0 521.0 2022.0 149.0 10613.0

5 BILL PURCHED 0 1 0 0 0 0 0 0 0 0 0 0 0 2 0 0 0 0 0 0 a. Domestic Bills Purchased 0.0 1.0 0.0 0.0 0.0 2.0FIXED ASSETS 79.0 67.0 44.0 18.0 62.0 12.0 22.0 49.0 116.0 27.0 23.0 50.0 41.0 298.0 13.0 33.0 25.0 52.0 10.0 724.0

8 OTHER ASSETS 433.0 48.0 184.0 29.0 26.0 46.0 32.0 123.0 409.0 2.0 4.0 36.0 9.0 130.0 3.0 17.0 0.0 28.0 0.0 1516.09 a. Accrued Interests 109 12 18 2 7 1 2 0 83 0 2 7 7 5 2 10 0 1 0 121

Private Sector 109.0 12.0 18.0 2.0 7.0 1.0 2.0 83.0 2.0 7.0 7.0 5.0 2.0 10.0 0.0 1.0 121.0 c. Sundry Debtors 39.0 17.0 145.0 20.0 5.0 35.0 8.0 24.0 1.0 0.0 36.0 0.0 6.0 0.0 19.0 660.0 d. Cash In Transit 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 1.0 e. Others 285.0 19.0 21.0 7.0 14.0 10.0 22.0 123.0 302.0 1.0 2.0 29.0 2.0 89.0 1.0 1.0 0.0 7.0 735.0

10 Expenses not Written off 13.0 0.0 3.0 6.0 0.0 3.0 0.0 0.0 0.0 0.0 14.0 18.0 10.0 42.0 6.0 13.0 10.0 22.0 2.0 6.011 Non Banking Assets 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 20.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 6.012 Reconcillation Account 0.0 0.0 197.0 0.0 494.0 50.0 26.0 0.0 0.0 0.0 0.0 0.0 0.0 2.0 0.0 0.013 Profit & Loss A/c 0.0 0.0 8.0 134.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 84.0 0.0 0.0 0.0 14.0 6.0

7907.0 4310.0 2344.0 2766.0 3367.0 2367.0 1632.0 7171.0 13774.0 818.0 823.0 2274.0 1948.0 15115.0 639.0 1891.0 633.0 2467.0 328.0 21260.021. INFRASTRUCTURE=INFRASTRUCTURE DEV. FINAN 26 EXCEL CREDIT=EXCEL CREDIT AND COMMERCIAL BITTYA 31 MITERI=MITERI BIKAS BITTIYA SANSTHA LTD. 36 SEWA=SEWA BIKAS BANK LTD22 GANDAKI=GANDAKI DEV.FINANCIAL INS. LTD. 27 WESTERN=WESTERN DEVEIOPMENT BANK LTD. 32 MUKTINATH=MUKTINATH BIKAS BANK LIMITED 37 KANKAI=KANKAI BIKAS BANK LTD23 GAURISHANKER=GAURISHANKER BIKAS BITTIYA S28 HIMCHULI=HIMCHULI BIKAS BITTIYA SANSTHA LTD. 33 TINAU=TINAU BIKAS BITTIYA SANSTHA LTD 38 PUBLIC=PUBLIC DEV. FIN. INSTITUTION LTD24 SUBHECHCHHA=SUBHECHCHHA BIKAS BANK LTD.29 NEPAL DEV.=NEPAL DEVELOPMENT AND EMPLOYMENT PR34 CLEAN ENEARY = CLEAN ENEARY DEVELOPMENT BAN39 MAHAKALI=MAHAKALI BIKAS BANK LTD.25 BIRAT LAXMI=BIRATLAXMI BITTIYA SANSTHA LTD. 30 ARANIKO=ARANIKO BIKAS BANK LTD. 35 GAIDAKOT=GAIDAKOT BIKAS BITTIYA SANSTHA LTD 40 ACE DEV.= ACE DEVELOPMENT BANK LTD.

TOTAL ASSETS

43

(Rs in Lakh)

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41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 581 CAPITAL FUND 399.0 120.0 2074.0 101.0 100.0 325.0 510.0 2240.0 335.0 105.0 350.0 130.0 350.0 265.0 732.0 255.0 350.0 100.0 54496.4 a. Paid-up Capital 399.0 120.0 2074.0 101.0 100.0 325.0 510.0 2240.0 335.0 105.0 350.0 130.0 350.0 265.0 732.0 255.0 350.0 101.0 42754.2 b. General Reserves 2194.2

c. Share Premium 59.0d. Retained Earning -1.0 -1500.0e. Others Reserves 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 10989.0

1. Ex.Eq.Fund 0.0 2. Other 0.0 11003.0

2 BORROWINGS 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 27383.7 a. NRB 7840.0

b. "A"Class Licensed Institution 8693.0c. Foreign Banks and Fin. Ins. 0.0d. Other Financial Ins. 10440.7e. Bonds and Securities 410.0

3 DEPOSITS 2039.0 574.0 1601.0 258.0 418.0 224.0 644.0 1722.0 100.0 449.0 308.0 647.0 1721.0 300.0 819.0 117.0 28.0 20.0 215915.0a. Current 39.0 0.0 0.0 0.0 24.0 54.0 33.0 234.0 0.0 0.0 8.0 0.0 0.0 8.0 3.0 0.0 0.0 0.0 3544.0 Domestic 39.0 0.0 24.0 54.0 33.0 234.0 0.0 0.0 8.0 8.0 3.0 3533.0 Foreign 11.0b. Savings 480.0 169.0 719.0 230.0 190.0 49.0 106.0 746.0 93.0 392.0 276.0 338.0 941.0 277.0 417.0 86.0 27.0 19.0 93642.0 Domestic 480.0 169.0 719.0 230.0 190.0 49.0 106.0 746.0 93.0 392.0 276.0 338.0 941.0 277.0 417.0 86.0 27.0 19.0 93319.0 Foreign 323.0c. Fixed 419.0 405.0 868.0 28.0 204.0 71.0 56.0 107.0 7.0 57.0 6.0 54.0 231.0 15.0 117.0 31.0 1.0 1.0 91965.0 Domestic 419 405 868 28 204 71 56 107 7 57 6 54 231 15 117 31 1 1 86560.0 Foreign 5405.0d. Call Deposits 1084.0 50.0 449.0 595.0 255.0 549.0 282.0 18877.0e. Others 17.0 14.0 40.0 18.0 0.0 0.0 7887.0

4 Bills Payable 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 1.0 0.0 0.0 15.06 Other Liabilities 33.0 25.0 74.0 61.0 5.0 4.0 31.0 48.0 41.0 6.0 7.0 26.0 41.0 3.0 42.0 12.0 2.0 0.0 24586.0

1. Sundry Creditors 2.0 20.0 17.0 57.0 26.0 20.0 38.0 0.0 3.0 9.0 17.0 37.0 8.0 2.0 0.0 1192.0 2. Loan Loss Provision 12.0 5.0 10.0 3.0 4.0 2.0 5.0 21.0 1.0 4.0 4.0 5.0 13.0 2.0 4.0 1.0 7866.0 3. Interest Suspense a/c 6.0 1.0 1.0 1.0 1.0 1.0 3.0 1.0 3499.0 4. Others 13.0 0.0 47.0 1.0 7.0 1.0 2.0 11.0 8.0 1.0 3.0 12029.0

7 Reconcillation A/c -5.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 5743.08 Profit & Loss A/c 0.0 0.0 -115.0 0.0 0.0 0.0 7.0 12.0 0.0 9.0 2.0 -9.0 -9.0 0.0 -4.0 0.0 0.0 0.0 -7540.1

TOTAL LIABILITIES 2466.0 719.0 3634.0 420.0 523.0 553.0 1192.0 4022.0 476.0 569.0 667.0 794.0 2103.0 568.0 1589.0 385.0 380.0 120.0 320599.01 LIQUID FUNDS 1117.0 113.0 1679.0 79.0 99.0 241.0 587.0 1380.0 187.0 121.0 146.0 233.0 626.0 321.0 1117.0 213.0 295.0 93.0 49404.5

a. Cash Balance 34.0 4.0 63.0 6.0 17.0 3.0 47.0 61.0 16.0 60.0 7.0 32.0 28.0 54.0 45.0 3.0 3.0 18.0 3498.1 Nepalese Notes & Coins 29.0 4.0 63.0 6.0 17.0 3.0 47.0 57.0 16.0 60.0 7.0 30.0 27.0 54.0 45.0 3.0 3.0 18.0 3332.1 Foreign Currency 5.0 4.0 2.0 1.0 166.0b. Bank Balance 1083.0 109.0 616.0 73.0 82.0 238.0 540.0 83.0 171.0 61.0 139.0 201.0 598.0 267.0 1072.0 210.0 292.0 75.0 29125.4 1. In Nepal Rastra Bank 130.0 12.0 316.0 6.0 0.0 11.0 94.0 77.0 3.0 0.0 6.0 22.0 64.0 28.0 71.0 1.0 1.0 75.0 6777.7 Domestic Currency 130.0 12.0 316.0 6.0 11.0 94.0 77.0 3.0 6.0 22.0 64.0 28.0 71.0 1.0 1.0 75.0 6756.7 Foreign Currency 21.0 2. "A"Class Licensed Institution 44.0 97.0 186.0 67.0 82.0 95.0 446.0 6.0 168.0 61.0 59.0 49.0 112.0 239.0 20.0 189.0 3.0 0.0 12943.7 Domestic Currency 44.0 97.0 186.0 67.0 82.0 95.0 446.0 6.0 168.0 61.0 59.0 49.0 112.0 239.0 20.0 189.0 3.0 12925.7 Foreign Currency 18.0 3. Other Financial Ins. 909.0 114.0 132.0 74.0 130.0 422.0 981.0 20.0 288.0 9264.0 4. in Foreign banks 140.0C.Money at Call 0 0 1000 0 0 0 0 1236 0 0 0 0 0 0 0 0 0 0 16781.0 Domestic Currency 1000.0 1236.0 15600.0 Foreign Currency 1181.0

2 INVESTMENT IN SECURITIES 0 0 0 0 0 50 0 0 0 0 0 0 0 0 0 0 0 0 2108.0a. Govt.Securities 1953.0c. Govt.Non-Fin. Ins. 105.0d. Other Non-Fin Ins. 50.0 50.0e Non Residents 0.0

3 SHARE & OTHER INVESTMENT 0.0 0.0 100.0 0.0 0.0 0.0 0.0 0.0 100.0 0.0 0.0 0.0 50.0 0.0 0.0 0.0 0.0 0.0 27019.8 1.1 Non Residents 39.0 2.Others 100.0 100.0 50.0 26980.8

4 LOANS & ADVANCES 1203.0 555.0 984.0 291.0 393.0 220.0 555.0 2052.0 116.0 413.0 421.0 509.0 1326.0 174.0 376.0 133.0 44.0 0.0 210152.0a. Govt. Entp. 0.0b. Financial Institutions 0.0c. Pvt. Sector 1203.0 555.0 984.0 291.0 393.0 220.0 555.0 2052.0 116.0 413.0 421.0 509.0 1326.0 174.0 376.0 133.0 44.0 210152.0

5 BILL PURCHED 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 266.0 a. Domestic Bills Purchased 266.0FIXED ASSETS 74.0 31.0 776.0 25.0 23.0 6.0 31.0 157.0 55.0 14.0 44.0 50.0 38.0 45.0 68.0 26.0 34.0 22.0 6516.0

8 OTHER ASSETS 34.0 17.0 23.0 16.0 3.0 24.0 2.0 431.0 10.0 1.0 56.0 2.0 10.0 6.0 28.0 2.0 1.0 3.0 15512.79 a. Accrued Interests 20 1 0 1 1 0 0 0 0 0 0 1 1 0 1 1 0 0 3705.7

Private Sector 20.0 1.0 0.0 1.0 1.0 1.0 1.0 1.0 1.0 3756.7 c. Sundry Debtors 1.0 0.0 14.0 1.0 1.0 7.0 14.0 6.0 1.0 1984.5 d. Cash In Transit 13.0 e. Others 13.0 16.0 23.0 1.0 1.0 24.0 1.0 431.0 3.0 1.0 42.0 1.0 9.0 26.0 1.0 1.0 3.0 9809.5

10 Expenses not Written off 15.0 0.0 72.0 2.0 5.0 9.0 4.0 4.0 0.0 53.0 16.0 5.0 3.0 2.0 915.011 Non Banking Assets 0.0 0.0 0.0 737.012 Reconcillation Account 0.0 2.0 0.0 0.0 1070.013 Profit & Loss A/c 23.0 3.0 7.0 5.0 7.0 8.0 4.0 16.0 0.0 6.0 6.0 3.0 0.0 6898.0

2466.0 719.0 3634.0 420.0 523.0 553.0 1192.0 4022.0 476.0 569.0 667.0 794.0 2103.0 568.0 1589.0 385.0 380.0 120.0 320599.041 SANGRILA=SANGRILA BIKAS BANK LT46 DIYALO=DIYALO BIKAS BANK LTD. 51 CORPORATE=CORPORATE DEVELOPMENT BAN56 PATHIBHARA=PATHIBHARA BIKAS BANK LT42 BHARGAB=BHARGAB BIKAS BANK LT47 COUNTRY=COUNTRY BIKAS BANK LTD. 52 KAMANA=KAMANA BIKAS BANK LTD 57 PROFESSIONAL=PROFESSIONAL BIKAS BANK LT43 VIBOR=VIBOR BIKAS BANK LTD. 48 KASTHAMANDAP=KASTHAMANDAP DEVELOP53 CITY=CITY BIKAS BANK LTD. 58 KABELI=KABELI BIKAS BANK LTD44 RESUNGA=RESUNGA BIKAS BANK LT 49 ALPINE=ALPINE DEVELOPMENT BANK LT 54 GARIMA=GARIMA BIKAS BANK LTD45 RARA=RARA BIKAS BANK LTD 50 NILGIRI=NILGIRI BIKAS BANK LTD 55 BISWO=BISWO BIKAS BANK LTD.

TOTAL ASSETS

44

S. N.

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1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 201. Total Capital and Liabilities (1.1 to 1.7) 0 6677.82 1,272 9009 7714 36375 8718 1142 3,552 7911 2,255 2490 2,751 4,418 4032 5,462 3833 19509 33007 6134

1 Paid Up Capital 2538 175 500 500 3011 1120 35 200 525 200 610 204 600 350 240 300 3200 3200 6001 Reserve and Surplus -5780.59 245 382 199 772 -2416 -552 142 214 71 74 0 122 42 208 119 326 398 1801 Debenture and Bond 0 01 Borrowings 631 123 500 624 99 200 0 79 24 497 272 0 275 300 4796 4502 Deposits (a.+b.) 0 7262.67 712 6596 6603 30674 1359 237 2,823 6748 1836 1622 2331 3096 3179 4457 3075 15434 24095 4741

a. Domestic Currency 7262.67 712 6596 6603 30646 1359 237 2,823 6748 1836 1622 2331 3096 3179 4457 3075 15434 18417 4741b. Foreign Currency 28 0 5678

2 Income Tax Liability 12 0 29 3 5 4 0 0 402 Other Liabilities 2657.74 128 900 289 1418 8655 798 288 195 145 100 188 103 189 557 64 209 518 163

2. Total Assets (2.1 to 2.7) 0 6677.82 1,272 9009 7714 36375 8718 1142 3,552 7911 2,255 2490 2,751 4,418 4032 5,462 3833 19509 33007 61342 Cash and Bank Balance 251.15 62 366 1510 2097 1226 57 294 738 211 119 841 130 553 861 292 503 999 4702 Money at Call and Short Notice 1539.95 0 881 4662 150 308 248 0 1251 18182 Investments 3 0 1772 535 1238 103 38 511 6581 1 123 100 1044 1 300 3 2326 8312 7752 Loans and Advances 4104.95 909 4999 5345 26262 5789 713 2,578 230 1592 2192 1526 2905 3295 4060 3270 14646 21212 45663 Fixed Assets 127.71 10 64 157 1326 78 16 32 11 41 20 74 33 50 121 151 99 210 403 Non Banking Assets 160.84 161 123 13 176 13 0 201 2 0 03 Other Assets 490.22 130 804 154 790 1346 305 137 100 36 210 58 133 120 117 684 456 2833. Profit and Loss Account Up to

This3 Interest Income 385.06 58 289 394 1312 242 18 152 334 109 115 143 188 163 211 171 720 995 2183 Interest Expense 379.44 26 180 218 748 167 39 95 199 51 52 69 109 77 124 78 361 623 128

0 5.62 32 109 176 564 74 -21 57 135 58 63 74 79 86 87 93 359 372 903 Fees, Commission and Discount 3.11 5 13 5 18 1 2 10 4 1 1 5 19 27 26 1 78 13 Other Operating Income 5.7 0 18 47 40 8 52 19 16 18 18 25 10 41 624 Foreign Exchange Gain/Loss (Net) 4.45 0 1 0 0 0 6

0 18.88 37 140 228 623 75 -21 67 197 81 80 93 102 105 139 129 401 456 1534 Staff Expenses 80.89 12 37 31 184 29 9 15 29 15 16 18 16 15 18 22 78 83 174 Other Operating Expenses 111.68 2 30 50 127 24 4 18 43 24 27 1556 15 26 23 26 89 108 28

0 -173.69 23 73 147 312 23 -34 34 125 42 37 -1481 71 64 98 81 234 265 1084 Provision for Possible Losses 224.7 0 11 37 9 0 487 26 47 8 19 0 24 16 28 9 90 73 25

0 -398.39 23 62 110 303 23 -521 8 78 34 18 -1481 47 48 70 72 144 192 834 Non Operating Income / Expenses (Net) 27.32 1 -1 -6 69 0 0 0

3.10Write Back of Provision for Possible Loss 233.63 5 8 129 6 50 -137.44 29 62 117 303 146 -452 14 78 34 18 -1481 52 48 70 72 144 192 83

3 Extraordinary Income/Expenses (Net) -0.380 -137.82 29 62 117 303 146 -452 14 78 34 18 -1481 52 48 70 72 144 192 83

3 Provision for Staff Bonus 0 11 13 0 0 0 0 6 14 17 83 Provision for Tax 0 33 42 0 0 0 0 21 41 55 24

0 -137.82 29 62 73 303 91 -452 14 78 34 18 -1481 52 48 70 45 89 120 51

4. Ratios

At the End of This

Quarter 4 Capital Fund to RWA -39% 28.23% 13.7% 12% 12% 14% -61.78% 10% 11% 15.32% 28.34% 7.40% 17.12% 13% 16% 13% 21% 14.64% 16.45%4 Non Performint Loan(NPL) To Total Loan 24% 3.60% 9% 3% 1% 67% 59.99% 7% 2% 4.05% 4.23% 0.08% 1.40% 0% 2% 2% 2% 0.21% 0.82%4 Total Loan Loss Provision to Total NPL 84% 100% 61% 76% 178% 75% 113.84% 96% 86% 109.13% 80.09% 0.43% 146.70% 631% 130% 118% 103% 498.00% 170.00%

F. Profit before Bonus and Taxes (E. + 3.11)

G. Net Profit/Loss (F. - 3.12-3.13)

E. Profit from Regular Activities (D+3.9+3.10)

Table No.40Unaudited Financial Results (Quarterly) of Development Bank

As of Mid-Jan 2008 (Second Qtr. Of Fiscal Year 2007/08)

B. Total Operating Income (A.+ 3.3+ 3.4 + 3.5)

C. Operating Profit Before Provision (B. -3.6-3.7)

D. Operating Profit (C. -3.8)

A. Net Interest Income (3.1 - 3.2)

45

S. N.

Particulars Infr

astr

uc

Gan

daki

Gau

ri Sh

a

Subh

echc

Bira

t Lax

m

Exce

l

Wes

tern

Him

chul

i

ND

EP

Cle

an

Muk

tinat

h

Tina

u

Ara

niko

Mite

ri

Gai

dako

t

Sew

a

Kan

kai

Publ

ic

Mah

akal

i

Ace

Dev

.

21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 401. Total Capital and Liabilities (1.1 to 1.7) 7,655 4291 2,093 2565 2817 2380 1,632 7171 13740 15031 2275 1948 818 821 640 1902 626 2432 328 20755

1 Paid Up Capital 560 500 380 280 500 200 108 650 1920 1787 260 210 169 158 140 175 140 450 59 32001 Reserve and Surplus 182 102 -41 62 44 64 19 112 21 -114 22 -28 -13 -19 -4 1 4 -10 4481 Debenture and Bond 01 Borrowings 35 60 950 2077 199 362 13002 Deposits (a.+b.) 6886 3609 1615 2108 2236 1930 1368 6255 10654 11008 1763 1500 645 599 483 1647 480 1622 261 15317

a. Domestic Currency 6886 3609 1615 2108 2236 1930 1368 6255 10626 11003 1763 1500 645 599 483 1647 480 1622 261 15317b. Foreign Currency 0 28 5

2 Income Tax Liability 0 0 0 9 0 20 2 -262 Other Liabilities 27 80 104 55 28 186 137 154 195 273 31 266 17 83 1 79 2 6 8 516

2. Total Assets (2.1 to 2.7) 7,655 4291 2,093 2565 2817 2380 1,632 7171 13740 15031 2275 1948 818 821 640 1902 626 2432 328 207552 Cash and Bank Balance 1108 1216 414 242 184 673 367 1302 559 803 515 408 21 134 32 178 24 59 161 6972 Money at Call and Short Notice 0 97 346 960 2315 109 0 169 51 170 20222 Investments 105 0 50 10 3470 716 2 100 1 2 100 56752 Loans and Advances 6045 2980 1397 2220 2210 1640 1186 5698 8240 10726 1655 1478 659 548 416 1647 515 2002 149 106133 Fixed Assets 52 22 39 18 44 16 22 42 81 284 50 41 27 23 13 23 25 52 10 7243 Non Banking Assets 23 0 2 63 Other Assets 345 73 146 35 51 57 129 430 187 55 19 2 16 9 52 11 49 6 10183. Profit and Loss Account3 Interest Income 345 159 81 138 133 93 55 269 423 423 78 36 33 30 25 63 23 56 4 6173 Interest Expense 263 90 46 71 74 48 29 173 234 269 44 26 15 12 13 44 8 21 2 365

82 69 35 67 59 45 26 96 189 154 34 10 18 18 12 19 15 35 2 2523 Fees, Commission and Discount 6 1 7 6 16 14 8 51 28 46 6 2 7 3 5 4 0 1 123 Other Operating Income 35 16 13 13 5 4 9 16 6 0 1 17 3 29 3 564 Foreign Exchange Gain/Loss (Net) 0 -6 -4 0

123 86 55 86 80 63 43 147 211 196 50 16 26 25 16 41 22 64 6 3204 Staff Expenses 22 12 14 13 14 9 11 17 43 72 11 9 7 8 4 5 5 21 5 894 Other Operating Expenses 43 14 17 19 25 14 10 27 49 85 11 27 8 11 6 9 4 19 5 123

58 60 24 54 41 40 22 103 119 39 28 -20 11 6 6 27 13 24 -4 1084 Provision for Possible Losses 12 10 38 30 13 5 23 26 89 27 7 8 13 2 5 11 5 20 2 40

46 50 -14 24 28 35 -1 77 30 12 21 -28 -2 4 1 16 8 4 -6 684 Non Operating Income / Expenses (Net) -65

3.10Write Back of Provision for Possible Loss 9146 50 -14 24 28 35 -1 77 30 12 21 -28 -2 4 1 16 8 4 -6 94

3 Extraordinary Income/Expenses (Net)46 50 -14 24 28 35 -1 77 30 12 21 -28 -2 4 1 16 8 4 -6 94

3 Provision for Staff Bonus 0 237 7 1 83 Provision for Tax 0 9 462 22 27

46 50 -14 24 19 35 -700 48 30 11 21 -28 -2 4 1 16 8 4 -6 59

4. Ratios

4 Capital Fund to RWA 10.04% 19% 18.26% 15% 19% 14% 8.00% 13% 16.00% 14% 15% 12% 21% 21.54% 28% 16% 25.00% 21% 29% 22%4 Non Performint Loan(NPL) To Total Loan 2% 1% 8.92% 5% 1% 0% 10.00% 0% 3.10% 0% 0% 0% 1% 0% 6% 0% 0% 0% 0% 1%4 Total Loan Loss Provision to Total NPL 85% 191% 64% 58% 121% 418% 31% 324% 56.30% 0% 0% 20% 134% 0% 41% 0% 0% 0% 0% 162%

0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0%








46

Rs in Lakhs

S. N.

Particulars Sang

rila

Bha

rgab

Vibo

r

Res

unga

Rar

a

Diy

alo

Cou

ntry

Kas

tham

a

Aip

ine

Nilg

iri

Cor

pora

t e

Kam

ana

City

Gar

ima

Bis

wo

Path

ibha

r

Prof

essi

o

Kab

eli

Tota

l

41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 581. Total Capital and Liabilities (1.1 to 1.7) 2444 716 3634 420 517 546 1184 4022 472 568 666 793 2103 562 1589 376 377 121 279,291

1 Paid Up Capital 399 120 2074 101 100 325 510 2240 335 105 350 130 350 265 732 255 350 101 38,7961 Reserve and Surplus -23 -3 -115 -5 -7 -1 12 -4 6 -9 -9 -6 -5 -3 -1 -4,5751 Debenture and Bond 01 Borrowings 13,8532 Deposits (a.+b.) 2040 574 1601 258 418 224 644 1683 100 447 307 646 1720 300 819 117 28 20 183,288

a. Domestic Currency 2040 574 1601 258 418 224 644 1683 100 447 307 646 1720 300 819 117 28 20 205,073b. Foreign Currency 5,739

2 Income Tax Liability 1 992 Other Liabilities 28 25 74 61 4 3 31 87 41 16 3 26 42 3 38 9 2 1 20,306

2. Total Assets (2.1 to 2.7) 2444 716 3634 420 517 546 1184 4022 472 568 666 793 2103 562 1589 376 377 121 279,2912 Cash and Bank Balance 1083 113 679 80 99 241 587 144 187 121 139 233 101 322 115 212 294 94 25,5212 Money at Call and Short Notice 1100 0 1236 50 525 1002 0 21,0102 Investments 3 0 50 2052 100 50 36,2522 Loans and Advances 1203 556 984 291 393 220 555 157 116 411 421 509 1326 174 376 132 44 180,0853 Fixed Assets 74 33 776 25 18 6 31 55 14 38 20 38 27 68 26 34 22 5,5743 Non Banking Assets 8813 Other Assets 81 14 95 24 7 29 11 433 14 22 18 31 63 39 28 6 5 5 9,9683. Profit and Loss Account3 Interest Income 29 13 27 2 5 3 8 49 1 4 6 4 19 1 14 2 1 9,4893 Interest Expense 26 7 8 2 2 1 4 11 4 1 4 12 1 4 1 5,658

3 6 19 0 3 2 4 38 1 0 5 0 7 0 10 1 1 0 3,8303 Fees, Commission and Discount 19 4 0 2 0 0 27 3 7 5 0 4 2 5163 Other Operating Income 10 12 5 5 2 12 1 5 19 3 0 6804 Foreign Exchange Gain/Loss (Net) 1

22 20 31 5 10 4 16 65 5 5 12 5 26 3 14 3 1 0 5,0274 Staff Expenses 11 6 45 3 4 4 4 17 4 3 3 6 5 3 6 4 1 1 1,2464 Other Operating Expenses 22 11 91 6 7 5 8 16 7 6 3 3 17 4 8 4 2 3,077

-11 3 -105 -4 -1 -5 4 32 -6 -4 6 -4 4 -4 0 -5 -2 -1 7054 Provision for Possible Losses 12 6 10 3 4 2 5 20 1 4 4 5 13 2 4 1 1 1,617

-23 -3 -115 -7 -5 -7 -1 12 -7 -8 2 -9 -9 -6 -4 -6 -3 -1 -9124 Non Operating Income / Expenses (Net) 4 29

3.10Write Back of Provision for Possible Loss 478-23 -3 -115 -7 -5 -7 -1 12 -3 -8 2 -9 -9 -6 -4 -6 -3 -1 -406

3 Extraordinary Income/Expenses (Net) 0-23 -3 -115 -7 -5 -7 -1 12 -3 -8 2 -9 -9 -6 -4 -6 -3 -1 -406

3 Provision for Staff Bonus 3223 Provision for Tax 736

-23 -3 -115 -7 -5 -7 -1 12 -3 -8 2 -9 -9 -6 -4 -6 -3 -1 -1,464

4. Ratios

At the End of Correspondin

g Previous Year Quarter

4 Capital Fund to RWA 23% 19.41% 92% 27.00% 23% 88.93% 75% 75.57% 104% 22.00% 70.53% 21% 22% 79% 46% 119% 243.89% 367% 16.114 Non Performint Loan(NPL) To Total Loan 0% 0% 0% 0% 0% 0.00% 0% 0.00% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 4.504 Total Loan Loss Provision to Total NPL 0% 0% 0% 0% 0% 0.00% 0% 0.00% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 88.33








47

Devlopment Banks NIDC

NDB

UDBL

Malika

Siddharth

DEV.CR

CSI

United

Narayani

Pashchim.

Sahayogi

Pashupati

Karnali

Annapurna

Triveni

Bhrikuti

Bageshwori

Gorkha

Sanima

Business

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

1 Agriculture 0.0 208.0 49.0 303.0 366.0 787.0 404.0 22.0 97.0 1322.0 32.0 11.0 357.0 294.0 338.0 152.0 2.0 0.0 7.0 4.0

2 Mines 0.0 0.0 0.0 0.0 21.0 381.0 324.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

3 About Productions 0.0 1307.0 106.0 395.0 338.0 3809.0 2048.0 251.0 22.0 482.0 54.0 143.0 25.0 120.0 246.0 442.0 183.0 380.0 2090.0 20.0

4 Construction 0.0 772.0 289.0 400.0 206.0 4522.0 693.0 158.0 556.0 525.0 642.0 208.0 601.0 0.0 442.0 0.0 472.0 1273.0 2339.0 39.0

5 Metal Productions,Machinary & Electrical Tools & fittin 0.0 15.0 0.0 1.0 243.0 142.0 135.0 0.0 0.0 45.0 0.0 125.0 230.0 0.0 25.0 0.0 90.0 0.0 17.0 37.0

6 Transportation Equipment Production & Fitting 0.0 0.0 0.0 278.0 108.0 0.0 85.0 22.0 0.0 14.0 0.0 0.0 0.0 0.0 37.0 0.0 0.0 0.0 0.0 48.0

7 Transportation, Communications & Public Services 0.0 145.0 0.0 102.0 816.0 2554.0 116.0 0.0 161.0 1236.0 7.0 344.0 0.0 0.0 422.0 651.0 559.0 650.0 2269.0 37.0

8 Wholesaler & Retailers 0.0 457.0 48.0 2362.0 462.0 1397.0 995.0 204.0 1170.0 482.0 210.0 300.0 308.0 343.0 289.0 631.0 1015.0 1559.0 2420.0 484.0

9 Finance, Insurance & Fixed Assets 0.0 263.0 182.0 0.0 676.0 2571.0 275.0 0.0 0.0 1896.0 0.0 63.0 0.0 605.0 0.0 0.0 0.0 2982.0 1340.0 482.0

10 Service Industries 0.0 1675.0 85.0 0.0 694.0 3327.0 531.0 0.0 168.0 171.0 174.0 353.0 0.0 129.0 481.0 2112.0 369.0 500.0 1149.0 87.0

11 Consumable Loan 0.0 106.0 0.0 47.0 164.0 167.0 83.0 1.0 105.0 63.0 40.0 15.0 5.0 0.0 0.0 44.0 27.0 5097.0 5437.0 3328.0

12 Local Government 0.0 0.0 6.0 0.0 0.0 25.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 2490.0 0.0 0.0

13 Others 20655.0 219.0 144.0 1111.0 1377.0 6572.0 8.0 55.0 299.0 488.0 433.0 625.0 0.0 1252.0 1015.0 28.0 131.0 0.0 4144.0 0.0

Total 20655.0 5167.0 909.0 4999.0 5471.0 26229.0 5722.0 713.0 2578.0 6724.0 1592.0 2187.0 1526.0 2743.0 3295.0 4060.0 2848.0 14931.0 21212.0 4566.0

Table No.41SECTORWISE OUTSTANNDING CREDIT OF DEVELOPING BANKS

Mid- Jan, 2008 (Poush- 2064)

48

Devlopment Banks Infr

astr

uctu

re

Gan

daki

Gau

ri Sh

a.

Subh

echc

hha

Bira

t Lax

mi

Exce

l Dev

.

Wes

tern

Him

chul

i

Nep

al B

ikas

h

Ara

niko

MIT

ERI

Muk

tinat

h

Tina

u

Cle

an E

nerg

y

Gai

dako

t

Sew

a

Kan

kai

Publ

ic

Mah

akal

i

Ace

Dev

.

21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39

1 Agriculture 31.0 69.0 100.0 114.0 145.0 83.0 0.0 21.0 0.0 5.0 0.0 0.0 7.0 0.0 41.0 6.0 60.0 0.0 9.0 311.0

2 Mines 0.0 0.0 0.0 0.0 0.0 4.0 0.0 0.0 0.0 0.0 0.0 0.0 372.0 0.0 0.0 0.0 0.0 0.0 30.0

3 About Productions 770.0 34.0 28.0 24.0 115.0 167.0 40.0 292.0 84.0 3.0 0.0 0.0 60.0 1892.0 0.0 27.0 64.0 0.0 0.0 1081.0

4 Construction 1914.0 327.0 198.0 334.0 97.0 0.0 64.0 1166.0 924.0 140.0 79.0 353.0 15.0 319.0 58.0 0.0 40.0 395.0 30.0 4290.0

5 Metal Productions,Machinary & Electrical Tools & fittin 3.0 19.0 0.0 0.0 0.0 0.0 13.0 43.0 37.0 0.0 12.0 0.0 0.0 59.0 0.0 1.0 0.0 0.0 0.0 181.0

6 Transportation Equipment Production & Fitting 0.0 0.0 0.0 0.0 0.0 183.0 0.0 0.0 8.0 113.0 82.0 0.0 11.0 63.0 0.0 0.0 0.0 899.0

7 Transportation, Communications & Public Services 495.0 263.0 68.0 909.0 175.0 0.0 355.0 797.0 587.0 36.0 0.0 447.0 406.0 1158.0 0.0 696.0 32.0 561.0 0.0 77.0

8 Wholesaler & Retailers 900.0 358.0 423.0 761.0 509.0 612.0 332.0 1243.0 990.0 109.0 100.0 603.0 334.0 1336.0 15.0 193.0 132.0 355.0 19.0 716.0

9 Finance, Insurance & Fixed Assets 89.0 413.0 0.0 0.0 0.0 228.0 0.0 0.0 1722.0 0.0 79.0 0.0 413.0 1785.0 0.0 308.0 0.0 0.0 0.0 1615.0

10 Service Industries 463.0 276.0 201.0 137.0 89.0 149.0 30.0 334.0 759.0 56.0 5.0 0.0 0.0 805.0 0.0 399.0 9.0 696.0 0.0 277.0

11 Consumable Loan 95.0 31.0 7.0 8.0 413.0 87.0 19.0 54.0 152.0 4.0 1.0 0.0 0.0 339.0 1.0 15.0 0.0 0.0 91.0 317.0

12 Local Government 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 344.0

13 Others 1411.0 1190.0 370.0 0.0 701.0 116.0 329.0 1748.0 2977.0 193.0 190.0 252.0 232.0 2598.0 301.0 2.0 184.0 15.0 0.0 475.0

Total 6171.0 2980.0 1395.0 2287.0 2244.0 1625.0 1186.0 5698.0 8240.0 659.0 548.0 1655.0 1478.0 10726.0 416.0 1647.0 521.0 2022.0 149.0 10613.0

49

Rs In Lakh

Devlopment Banks Sangrila

Bhargab

Vibor

Resunga

Rara

Diyalo

Country

Kasthamamandap

Aipine

Nilgiri

Corporate

Kamana

City

Garima

Biswo

Pathibhara

Professional

Kabeli

TOTAL

41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58

1 Agriculture 1.0 0.0 0.0 2.0 0.0 4.0 0.0 0.0 5.0 17.0 16.0 24.0 0.0 11.0 5837.0

2 Mines 0.0 47.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 1179.0

3 About Productions 80.0 0.0 0.0 0.0 5.0 0.0 0.0 0.0 0.0 22.0 28.0 0.0 2.0 17279.0

4 Construction 63.0 70.0 124.0 0.0 21.0 0.0 0.0 0.0 90.0 345.0 13.0 119.0 1.0 25726.0

5 Metal Productions,Machinary & Electrical Tools & fitting 5.0 0.0 0.0 0.0 497.0 0.0 0.0 0.0 45.0 2020.0

6 Transportation Equipment Production & Fitting 183.0 0.0 0.0 0.0 0.0 82.0 0.0 0.0 0.0 2216.0

7 Transportation, Communications & Public Services 4.0 0.0 106.0 0.0 5.0 163.0 149.0 0.0 12.0 0.0 423.0 6.0 0.0 17999.0

8 Wholesaler & Retailers 99.0 0.0 53.0 50.0 144.0 154.0 0.0 10.0 137.0 99.0 71.0 80.0 0.0 12.0 26085.0

9 Finance, Insurance & Fixed Assets 0.0 650.0 0.0 0.0 18.0 26.0 0.0 18.0 73.0 309.0 0.0 1.0 19082.0

10 Service Industries 38.0 98.0 0.0 0.0 7.0 0.0 0.0 106.0 82.0 17.0 215.0 10.0 17263.0

11 Consumable Loan 0.0 0.0 0.0 0.0 1406.0 29.0 7.0 0.0 17805.0

12 Local Government 0.0 0.0 0.0 0.0 0.0 0.0 2865.0

13 Others 1203.0 82.0 119.0 8.0 341.0 20.0 208.0 0.0 6.0 259.0 421.0 73.0 34.0 42.0 133.0 7.0 54796.0

Total 1203.0 555.0 984.0 291.0 393.0 220.0 555.0 2052.0 116.0 413.0 421.0 509.0 1326.0 174.0 376.0 133.0 44.0 0.0 210152.0

50

(Rs in Lakhs)

Total Loan Total NPLNPL/Total Loan

Total Loan Total NPL NPL/Total Loan Total Loan Total NPL

NPL/Total Loan

Total Loan Total NPL NPL/Total Loan Total Loan Total NPL NPL/Total

Loan

1. ADB 225651 7411 3.28 0 0 0.00 0 0 0.00 0.00 0.00 0.00 0.00 0 0.002. NIDC 0 0 0.00 0 0 0.00 0 0 0.00 0.00 0.00 0.00 0 0 0.003. N D B 8429 628 7.45 5919 295.9735 5.00 5808 685 11.79 5861.26 761.96 13.00 4105 1003 24.434. Dev.Credit 13945 566 4.06 19183 157 0.82 23822 638 2.68 21448.47 712.09 3.32 26262 326 1.245. CSI 8333 628 7.54 6908 2266 32.80 6849 4021 58.71 7777.85 3733.37 48.00 5789 3878 66.996. Uddyam 908 61 6.72 945 47 5.00 841 36 4.25 951.59 32.07 3.37 909 33 3.637. Malika 2892 92 3.19 3239 304 9.38 3841 75 1.95 3779.34 366.60 9.70 4999 445 8.908. Siddhartha 1447 47 3.25 2452 64 2.61 5163 75 1.45 2915.24 116.90 4.01 5345 164 3.079. United 932 14 1.48 1008 34 3.37 817 136 16.70 988.04 91.99 9.31 713 428 60.0310. Narayani 1483 117 7.92 1849 119 6.43 2145 166 7.73 1944.42 181.03 9.31 2,578 180 6.9811.Pashchanchal 2015 48 2.39 2391 1 0.03 4073 86 2.10 2746.01 0.82 0.03 230 5 2.1712. Sahayogi 766 67 8.74 1057 32 3.06 1323 66 4.95 1087.55 52.42 4.82 1592 64 4.0213. Pashupati 1207 15 1.24 1379 44 3.17 1675 64 3.85 1520.69 45.62 3.00 2192 93 4.2414. Karnali 593 38 6.41 1177 3 0.25 1657 2 0.12 1529.38 0.00 0.00 1526 1 0.0715. Annapurna 672 0 0.00 1241 43 3.45 2071 36 1.74 1587.15 19.20 1.21 2905 41 1.4116. Triveni 420 0 0.00 736 0 0.00 2173 2 0.11 1452.33 0.00 0.00 3295 6 0.1817. Bhrikuti 526 0 0.00 1578 16 1.00 3279 59 1.80 2278.41 45.57 2.00 4060 66 1.6318. Subhechchha 471 0 0.00 1108 15 1.32 1832 55 3.01 1407.33 18.58 1.32 2220 108 4.8619. Bageshwori 512 0 0.00 1242 0 0.00 2528 28 1.10 1716.11 17.16 1.00 3270 59 1.8020. Gorkha 3081 0 0.00 6831 50 0.73 10754 108 1.00 7809.06 156.18 2.00 14646 293 2.0021. Gauri Sha. 250 0 0.00 532 19 3.48 1041 34 3.27 768.37 24.66 3.21 1397 125 8.9522. Sanima 2506 0 0.00 7586 0 0.00 15019 0 0.00 11924.66 0.00 0.00 21212 45 0.2123. Gandaki 574 0 0.00 1194 0 0.00 2445 3 0.11 1527.72 0.00 0.00 2980 18 0.6024. Infrastructure 125 0 0.00 3014 0 0.00 5249 105 2.00 5029.24 0.00 0.00 6045 140 2.3225. Business Dev. 421 0 0.00 2074 0 0.00 3466 8 0.23 2593.68 0.00 0.00 4566 37 0.8126. Birat Laxmi 142 0 0.00 682 0 0.00 1465 13 0.87 897.46 11.13 1.24 2210 28 1.2727.Excle 595 595 100.00 1075 8 0.70 626.89 6.27 1.00 1640 1 0.0628.Western 342 0 0.00 865 12 1.39 632.61 4.18 0.66 1186 119 10.0329 Himchuli 1301 0 0.00 3534 5 0.13 1838.79 0.00 0.00 5698 19 0.3330 NDEP 5188 0 0.00 2720.75 0.00 0.00 8240 255 3.0931 Araniko 312 0 0.00 0.00 0.00 0.00 659 10 1.5232 Miteri 346 0 0.00 0.00 0.00 0.00 548 0 0.0033 Muktinath 932 0 0.00 1.50 0.00 0.00 1655 0 0.0034 Tinau 828 0 0.00 153.29 0.00 0.00 1478 0 0.0035 Clean Energy 7985 0 0.00 3766.75 0.00 0.00 10726 0 0.0036 Gaidakot 312 0 0.00 33.12 0.00 0.00 416 25 6.0137 Sewa 526 0 0.00 1647 0 0.0038 Kankai 225 0 0.00 515 0 0.0039 Public 164 0 0.00 2002 0 0.0040 Mahakali 149 0 0.0041 Ace Dev. 10613 90 0.8542 Sangrila 1203 0 0.0043 Bhargab 556 0 0.0044 Vibor 984 0 0.0045 Resunga 291 0 0.0046 Rara 393 0 0.0047 Diyalo 220 0 0.0048 Country 555 0 0.0049 Kasthamandap 157 0 0.0050 Alpine 116 0 0.0051 Nilgiri 411 0 0.0052 Corporate 421 0 0.0053 Kamana 509 0 0.0054 City 1326 0 0.0055 Garima 174 0 0.0056 Biswo 376 0 0.0057 Pathibhara 132 0 0.0058 Professional 44 0 0.0059 Kabeli 0 0 0.00Total 278300 9733 3.50 77564 4103 5.29 131625 6524 4.96 101315 6398 6.31 180085 8105 4.50

Table No.42

Mid-Jan 2007Banks Name

Non Performing Loan Status of Development Banks (Grade-B)

Mid-July2005 2007 20082006

51

(Rs. In Lakh)

2001 (48) 2002 (54) 2003 (57) 2004 (58) 2005 (59) 2006 (70) 2007 (74) 2007 (72) 2008 (79)1. CAPITAL FUND 19289.0 26621.0 32052.0 36538.0 42500.0 43148.1 53798.6 46531.7 56083.7 a. Paid-up Capital 12206.0 15226.0 19474.0 21558.0 24115.0 33567.0 44398.6 36638.5 48686.6 b. General Reseves 2426.0 3032.0 3391.0 4055.0 4811.0 5865.2 7114.7 6689.8 8123.7 c. Share Premium 0.0 0.0 0.0 0.0 0.0 0.0 60.5 0.0 221.4 d. Retained Earning 0.0 0.0 0.0 0.0 0.0 3063.6 721.8 1917.3 -2466.7 e. Others Reserves 706.0 1827.0 433.0 999.0 1296.0 652.3 1503.0 1286.1 1518.7

1. Ex.Eq.Fund 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 2. Other 0.0 0.0 0.0 0.0 0.0 652.3 1503.0 1268.1 1518.72. BORROWINGS 2150.0 2448.0 1343.0 13065.0 9908.0 11548.1 34695.4 22728.8 91225.7a. NRB 0.0 0.0 139.0 0.0 0.0 0.0 0.0 0 65180b. "A"Class Licensed Institution 2150.0 2448.0 1204.0 13065.0 9908.0 9949.7 27078.8 11400.5c. Foreign Banks and Fin. Ins. 0.0 0.0 0.0 0.0 0.0 0d. Other Financial Ins. 0.0 0.0 0.0 0.0 0.0 1409.1 3176.6 6889.2 21057.7e. Bonds and Securities 0.0 0.0 0.0 0.0 0.0 189.3 4440.0 4439.1 4988.03. DEPOSITS 116540.0 134539.0 165103.0 193917.0 223416.0 243325.0 345147.1 318673.0 408846.7a. Current 0.0 0.0 0.0 0.0 0.0 167.6 1.2 57.3 8167.9 Domestic 0.0 0.0 0.0 0.0 0.0 167.6 1.2 57.3 8167.9 Foreign 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0b. Savings 0.0 0.0 0.0 0.0 0.0 81180.6 116652.0 106119.8 145787.1 Domestic 0.0 0.0 0.0 0.0 0.0 81180.6 116652.0 106119.8 145787.1 Foreign 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0c. Fixed 0.0 0.0 0.0 0.0 0.0 190075.9 222407.5 206762.4 245965.6 Domestic 0.0 0.0 0.0 0.0 0.0 190075.9 222403.0 206762.4 245965.6 Foreign 0.0 0.0 0.0 0.0 0.0 0.0 4.5 0.0 0.0d. Call Deposits 0.0 0.0 0.0 0.0 0.0 559.6 5174.9 2809.5 8770.0e. Others 0.0 0.0 0.0 0.0 0.0 1530.2 911.5 2924.0 156.14. Bills Payable 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.05. Contra Account 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.06. Other Liabilities 16651.0 18255.0 17885.0 22312.0 19456.0 52619.7 83382.0 55484.2 142125.0 1. Sundry Creditors 0.0 0.0 0.0 0.0 0.0 7663.6 22612.3 7952.1 82063.6 2. Loan Loss Provision 3951.0 6536.0 8754.0 9926.0 12278.0 12060.2 21693.4 18420.6 22665.5 3. Interest Suspense a/c 0.0 0.0 0.0 0.0 0.0 8301.6 9597.1 10456.2 11518.0 4. Others 0.0 0.0 0.0 0.0 0.0 23559.9 28774.2 18655.3 25877.97. Reconcillation A/c 0.0 0.0 0.0 0.0 0.0 2011.2 4247.0 4416.3 7686.48. Profit & Loss A/c 3342.0 2664.0 4782.0 6155.0 9087.0 5721.4 13393.2 4471.2 7690.2TOTAL SOURCES OF FUNDS 157972.0 184527.0 221165.0 271987.0 304367.0 388562.3 534663.3 452305.2 713657.6TOTAL USES OF FUNDS 157972.0 184527.0 221164.0 271987.0 304367.0 388562.3 534663.3 452305.2 713657.61. LIQUID FUNDS 20485.0 28624.0 26740.0 44698.0 39049.0 53866.6 75134.1 56075.7 145373.3a. Cash Balance 1399.0 1704.0 1090.0 1321.0 1259.0 1987.3 2561.0 1930.1 2824.3 Nepalese Notes & Coins 0.0 0.0 0.0 0.0 0.0 1987.3 2579.3 1930.1 2817.8 Foreign Currency 0.0 0.0 0.0 0.0 0.0 0.0 11.7 0.0 6.5b. Bank Balance 19086.0 26920.0 25650.0 43377.0 37790.0 38215.7 41031.3 44154.5 49401.7 1. In Nepal Rastra Bank 172.0 312.0 1789.0 4301.0 4409.0 7499.3 9229.4 7164.3 12330.2 Domestic Currency 0.0 0.0 0.0 0.0 0.0 7499.3 9229.4 7164.3 12330.2 Foreign Currency 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 2. "A"Class Licensed Institution 18914.0 26608.0 23861.0 39076.0 33381.0 23055.5 20123.9 25520.9 20132.2 Domestic Currency 0.0 0.0 0.0 0.0 0.0 23055.5 20123.9 25520.9 20132.2 Foreign Currency 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 3. Other Financial Ins. 0.0 0.0 0.0 0.0 0.0 7661.0 11678.0 11469.3 16939.3 4. In Foreign banks 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0c.Money at Call 0.0 0.0 0.0 0.0 0.0 13663.6 31541.9 9991.1 93147.3 Domestic Currency 0.0 0.0 0.0 0.0 0.0 13663.6 31541.9 9991.1 93147.3 Foreign Currency 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.02. INVESTMENTS 12680.0 16234.0 23924.0 25105.0 24112.0 9632.4 12220.6 10666.7 12037.9a. Govt.Securities 8372.0 11200.0 7024.0 12700.0 5675.0 9632.4 12220.6 10666.7 12037.9b. NRB Bond 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0c. Govt.Non-Fin. Ins. 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0d. Other Non-Fin Ins. 4308.0 5034.0 16900.0 12405.0 18437.0 0.0 0.0 0.0 0.0e Non Residents 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.03. SHARE & OTHER INVESTMEN 0.0 0.0 0.0 0.0 0.0 18212.2 34136.0 24725.7 44052.5 1. Non Residents 0.0 0.0 0.0 0.0 0.0 18212.2 0.0 0.0 2.Others 0.0 0.0 0.0 0.0 0.0 34136.0 24725.7 44052.54. LOANS & ADVANCES 108653 119496 144737 175408 212233 270789.5 356164.6 312847.6 448202.8a. Govt. Entp. 0 0 0 0 0 0.0 0.0 0.0 0.0 i. Financial 0 0 0 0 0 0 0 0.0 0.0 ii. Non-Finan. 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0 0.0b. Pvt. Sector 0.0 0.0 0.0 0.0 0.0 270789.5 356164.6 312847.6 448202.8c. For. Bills P.& D. 0 0 0 0 0 0 0 0.0d. Foreign A. B. C. 0 0 0 0 0 0 0 0.05. BILL PURCHED 0.0 0.0 0.0 0.0 0.0 163.6 0.0 120.4 38.6 a. Domestic Bills Purchased 0.0 0.0 0.0 0.0 0.0 163.6 0.0 120.4 38.6 b. Foreign Bills Purchased 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 c. Import Bills & Imports 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.06. LOANS AGAINST COLLECTED 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 a. Against Domestic Bills 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 b. Against Foreign Bills 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.07. Contra Account 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.08. FIXED ASSETS 0.0 0.0 0.0 0.0 0.0 9677.1 14048.5 12344.8 17899.29. OTHER ASSETS 16154.0 20173.0 25763.0 26776.0 28973.0 19636.7 26125.7 22281.9 32263.0 a. Accrued Interests 0.0 0.0 0.0 0.0 0.0 8543.7 10391.0 11238.6 14304.9 Govt. Entp. 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 Private Sector 0.0 0.0 0.0 0.0 0.0 8543.7 10391.0 11238.6 14304.9 b. Staff Loans / Adv. 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 c. Sundry Debtors 0.0 0.0 0.0 0.0 0.0 1444.7 2560.1 1810.2 3904.0 d. Cash In Transit 0.0 0.0 0.0 0.0 0.0 6.9 22.2 1.0 38.6 e. Others 16154.0 20173.0 25763.0 26776.0 28973.0 9641.4 13152.4 3232.1 14015.510. Expenses not Written off 0.0 0.0 0.0 0.0 0.0 324.8 1040.7 481.6 865.411. Non Banking Assets 0.0 0.0 0.0 0.0 0.0 4233.8 3608.1 4111.1 3320.412. Reconcillation Account 0.0 0.0 0.0 0.0 0.0 1241.0 3624.2 4551.4 7756.213. Profit & Loss A/c 0.0 0.0 0.0 0.0 0.0 784.6 8560.8 4098.4 1848.3*Figures in paranthesis show the number of Finance Companies.

SOURCES AND USES Mid- July Mid-January

Table No. 43SOURCES AND USES OF FUNDS OF FINANCE COMPANIES

(AGGREGATE)

52

(Rs.In Lakh)

NH

DFC

O

NFS

CO

NFC

O

AFC

O

NID

C C

M

NS

MC

O

PFC

O

KA

FAL

UFC

O

MFC

O

NaF

CO

PaF

CO

GO

RK

HA

SFC

O

NH

MFC

O

UF-

CM

CO

S

IFC

SID

DH

AR

T

GFC

IME

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 201 CAPITAL FUND 1029.0 746.6 2232.0 2718.0 982.7 4538.5 863.0 574.1 614.0 282.9 737.4 818.8 390.8 246.0 1057.0 839.7 920.7 701.3 615.0 929.1

a. Paid-up Capital 705.0 450.0 1046.0 2016.0 749.4 4000.0 664.0 330.0 725.1 180.0 501.1 556.0 300.0 222.0 653.0 501.3 672.0 520.0 500.0 825.0 b. General Reserves 278.0 196.7 466.0 471.0 220.2 202.6 119.0 147.4 129.0 51.0 188.5 257.5 61.0 24.0 220.0 289.4 247.3 107.5 101.0 20.9

c. Share Premium 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 150.0 0.0 0.0 10.9 0.0 0.0d. Retained Earning 44.0 99.9 406.0 231.0 13.1 335.9 80.0 18.7 -240.1 15.9 47.8 5.3 29.8 0.0 34.0 49.0 1.4 10.9 13.8 23.2e. Others Reserves 2.0 0.0 314.0 0.0 0.0 0.0 0.0 78.0 0.0 36.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 52.0 0.2 60.0

1. Ex.Eq.Fund 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 2. Other 2.0 0.0 314.0 0.0 0.0 0.0 0.0 78.0 0.0 36.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 52.0 0.2 60.0

2 BORROWINGS 275.0 526.2 0.0 1016.0 0.0 1553.8 0.0 0.0 1864.4 0.0 32.1 0.0 0.0 0.0 1950.0 120.0 635.0 550.0 851.2 750.0 a. NRB 0.0 0.0 0.0 0.0 0.0 0.0 0.0

b. "A"Class Licensed Institution 0.0 526.2 0.0 1016.0 0.0 1553.8 0.0 0.0 164.4 0.0 32.1 0.0 0.0 0.0 0.0 120.0 635.0 550.0 851.2 300.0c. Foreign Banks and Fin. Ins. 0.0 0.0 0.0 0.0d. Other Financial Ins. 275.0 0.0 0.0 0.0 0.0 0.0 0.0 1700.0 1950.0 0.0 450.0e. Bonds and Securities 0.0

3 DEPOSITS 4891.0 4417.1 6319.0 15439.0 7382.5 17298.9 5192.0 3663.6 6752.9 139.1 6167.3 6266.5 3846.8 2445.0 8421.0 7830.3 7753.7 6018.2 3956.7 6825.0a. Current 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 Domestic 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 Foreign 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0b. Savings 1115.0 1135.0 1682.0 5662.0 2600.9 8167.9 1205.0 655.2 2078.6 0.0 2771.3 1768.3 644.3 1101.0 1622.0 2242.5 2874.1 2063.6 0.0 3641.0 Domestic 1115.0 1135.0 1682.0 5662.0 2600.9 8167.9 1205.0 655.2 2078.6 0.0 2771.3 1768.3 644.3 1101.0 1622.0 2242.5 2874.1 2063.6 0.0 3641.0 Foreign 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0c. Fixed 3776.0 3282.1 4637.0 9777.0 4781.6 9131.0 3987.0 3008.4 4652.6 133.7 3396.0 4498.2 3202.5 1344.0 6799.0 5587.8 4879.6 3954.6 3956.7 2567.0 Domestic 3776.0 3282.1 4637.0 9777.0 4781.6 9131.0 3987.0 3008.4 4652.6 133.7 3396.0 4498.2 3202.5 1344.0 6799.0 5587.8 4879.6 3954.6 3956.7 2567.0 Foreign 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0d. Call Deposits 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 602.0e. Others 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 21.7 5.4 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 15.0


1. Sundry Creditors 33.0 50.4 285.0 69.0 3014.9 81.7 183.0 9.6 16.4 1.0 23.8 107.0 4.3 43.0 13.0 60.8 135.7 103.8 7.7 18.0 2. Loan Loss Provision 205.0 714.3 365.0 611.0 500.1 132.8 267.0 274.2 157.0 35.2 226.0 779.2 175.4 213.0 394.0 292.8 175.6 347.7 302.5 97.02.1. General Loan Loss Prov. 45.0 48.1 53.0 183.0 96.8 132.8 52.0 96.7 100.0 3.5 66.0 62.8 55.2 21.0 89.0 85.3 76.0 62.4 281.5 72.02.2. Special Loan Loss Prov. 160.0 666.2 312.0 428.0 403.3 0.0 215.0 177.5 57.0 32.0 160.0 699.2 120.2 192.0 305.0 207.5 99.6 285.3 21.0 25.0 3. Interest Suspense a/c 62.0 275.5 45.0 163.0 240.3 374.8 138.0 118.8 35.0 0.0 9.5 377.2 106.9 137.0 121.0 242.7 70.2 218.5 87.5 35.0 4. Others 102.0 593.7 692.0 447.0 1356.0 1411.6 98.0 181.5 236.0 8.3 361.0 916.0 93.3 87.0 1020.0 1264.0 295.2 310.3 1741.5 83.9

7 Reconcillation A/c 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 12.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.08 Profit & Loss A/c 9.0 121.1 35.0 184.0 173.1 189.9 0.0 0.0 49.5 32.0 454.6 52.8 41.2 80.0 301.0 81.9 108.8 368.2 80.4 180.0

6606.0 7444.9 9973.0 20647.0 13649.6 25582.0 6741.0 4821.8 9725.2 498.5 8011.7 9329.5 4658.7 3251.0 13277.0 10732.2 10094.9 8618.0 7642.5 8918.01 LIQUID FUNDS 550.0 435.6 885.0 1319.0 1917.2 1836.8 1006.0 680.1 645.2 31.8 1576.2 558.3 263.4 121.0 1147.0 2170.2 654.9 676.4 496.2 819.0

a. Cash Balance 12.0 8.7 38.0 174.0 27.9 116.8 15.0 36.0 15.9 0.5 25.6 65.4 23.4 31.0 28.0 33.7 60.1 26.0 57.3 98.3 Nepalese Notes & Coins 12.0 8.7 38.0 174.0 27.9 116.8 15.0 36.0 15.9 0.5 25.6 65.4 23.4 31.0 28.0 33.7 60.1 26.0 57.3 98.3 Foreign Currencyb. Bank Balance 538.0 426.9 847.0 673.0 168.6 553.8 991.0 644.1 299.6 31.3 1550.6 492.9 240.0 90.0 1119.0 603.1 594.8 650.4 438.9 720.7 1. In Nepal Rastra Bank 131.0 124.0 176.0 492.0 151.1 532.8 113.0 116.5 138.8 3.3 120.0 2.0 61.2 39.0 226.0 197.0 207.8 122.0 126.7 156.7 Domestic Currency 131.0 124.0 176.0 492.0 151.1 532.8 113.0 116.5 138.8 3.3 120.0 2.0 61.2 39.0 226.0 197.0 207.8 122.0 126.7 156.7 Foreign Currency2. "A"Class Licensed Institution 407.0 135.4 429.0 181.0 17.5 21.0 11.0 283.0 110.8 28.0 810.6 490.9 89.4 51.0 305.0 406.1 166.3 528.4 312.2 148.0 Domestic Currency 407.0 135.4 429.0 181.0 17.5 21.0 11.0 283.0 110.8 28.0 810.6 490.9 89.4 51.0 305.0 406.1 166.3 528.4 312.2 148.0 Foreign Currency 3. Other Financial Ins. 0.0 167.5 242.0 0.0 0.0 0.0 867.0 244.6 50.0 0.0 620.0 0.0 89.4 0.0 588.0 0.0 220.7 0.0 0.0 416.0 4. in Foreign banksC.Money at Call 0 0 0 472 1720.7 1166.2 0 0 329.7 0 0 0 0 0 0 1533.4 0.0 0.0 0.0 0.0 Domestic Currency 0.0 0.0 0.0 472.0 1720.7 1166.2 0.0 0.0 329.7 0.0 0.0 0.0 0.0 0.0 0.0 1533.4 0.0 0.0 0.0 0.0 Foreign Currency 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

2 INVESTMENT IN SECURITIES 50.0 295.5 171.0 83.0 131.1 136.3 0.0 0.0 114.0 3.0 0.0 0.0 0.0 0.0 125.0 0.0 208.0 0.0 998.3 0.0 Govt.Securities 50.0 295.5 171.0 83.0 131.1 136.3 0.0 0.0 114.0 3.0 0.0 0.0 0.0 0.0 125.0 0.0 208.0 0.0 998.3 0.0b. NRB Bond 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0c. Govt.Non-Fin. Ins. 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0d. Other Non-Fin Ins. 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0e Non Residents 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

3 SHARE & OTHER INVESTMENT 883.0 645.0 1271.0 113.0 2787.9 124.7 120.0 679.4 407.0 0.0 28.0 606.5 458.0 110.0 54.0 42.5 150.0 0.3 370.3 103.0 1.1 Non Residents 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 Others 883.0 645.0 1271.0 113.0 2787.9 124.7 120.0 679.4 407.0 0.0 28.0 606.5 458.0 110.0 54.0 42.5 150.0 0.3 370.3 103.0

4 LOANS & ADVANCES 4866.0 4997.4 6237.0 18741.0 7050.8 19599.8 5335.0 3045.9 7273.7 374.0 5687.7 7024.9 3751.7 2306.0 10994.0 7931.9 7652.2 7001.1 4593.7 7197.0a. Govt. Entp. 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 i. Financial 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 ii. Non-Finan. 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 Pvt. Sector 4866.0 4997.4 6237.0 18741.0 7050.8 19599.8 5335.0 3045.9 7273.7 374.0 5687.7 7024.9 3751.7 2306.0 10994.0 7931.9 7652.2 7001.1 4593.7 7197.0

5 BILL PURCHASED 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 a. Domestic Bills Purchased 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 b. Foreign Bills Purchased c. Import Bills & Imports 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

6 LOANS AGAINST COLLECTED 0 0.00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 a. Against Domestic Bills 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 b. Against Foreign Bills

5 FIXED ASSETS 21.0 23.2 322.0 73.0 452.0 2378.9 40.0 152.3 746.4 21.1 183.8 384.1 38.0 22.0 513.0 47.1 1123.7 145.2 686.2 43.06 OTHER ASSETS 236.0 889.1 708.0 314.0 628.5 1424.5 226.0 204.2 200.1 68.6 489.5 631.2 147.6 280.0 378.0 523.5 149.5 411.2 409.5 746.0

a. Accrued Interests 97.0 280.0 364.0 163.0 240.2 373.7 138.0 118.8 64.0 22.3 91.0 405.4 107.0 137.0 304.0 390.7 74.9 385.2 88.0 34.0 Govt. Entp. 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 Private Sector 97.0 280.0 364.0 163.0 240.2 373.7 138.0 118.8 64.0 22.3 91.0 405.4 107.0 137.0 304.0 390.7 74.9 385.2 88.0 34.0 b. Sundry Debtors 6.0 19.0 222.0 20.0 0.0 73.0 5.0 2.2 67.0 -2.6 11.0 47.9 9.0 12.0 35.0 34.1 17.1 26.0 16.3 327.6 c. Cash In Transit 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 d. Others 133.0 590.1 122.0 131.0 388.3 977.8 83.0 83.2 69.1 48.9 387.5 177.9 31.6 131.0 39.0 98.7 57.5 0.0 305.2 384.4

7 Expenses not Written off 0.0 0.0 0.0 4.0 0.0 0.0 0.0 0.0 338.8 0.0 3.0 0.3 0.0 0.0 0.0 2.2 1.0 0.9 69.5 10.08 Non Banking Assets 0.0 159.1 368.0 0.0 682.1 81.0 14.0 59.9 0.0 0.0 43.5 124.2 0.0 219.0 66.0 14.8 155.6 123.1 18.8 0.09 Reconcillation Account 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 259.8 0.0 0.0# Profit & Loss A/c 0.0 0.0 11.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 193.0 0.0 0.0 0.0 0.0 0.0 0.0

6606.0 7444.9 9973.0 20647.0 13649.6 25582.0 6741.0 4821.8 9725.2 498.5 8011.7 9329.5 4658.7 3251.0 13277.0 10732.2 10094.9 8618.0 7642.5 8918.0

1. NHDFCO= Nepal Housing Development & Fi 9. UFCO = Union Finance Co. 17. SIFC = Shree Investment and Finance Co. 2. NFSCO = Nepal Finance Co. Ltd. 10. MFCO = Mercantile Finance Co. 18. SIDDHA = Siddharth Finance Limited, 3. NFCO = National Finance Co. Ltd. 11. NaFC = Narayeni Finance Co. 19. GFC = Goodwill Finance Company4. AFCO = Annapurna Finance Co. Ltd. 12. PaFCO = Paschimanchal Finance Co. 20. IME= IME Bitiya Sanstha Limited5. NIDC CM = NIDC Capital Market Ltd. 13. GORKHA = Gorkha Finance LTD., 6 NSMCO = Nepal Share Markets Co. Ltd 14. SFCO = Samjhana Finance Co.7. PFCO = Peoples Finance Ltd. 15. NHMFCO = Nepal Housing and Merchant Finance Co.8. KAFL = Kathmandu Finance Company 16. UF-CMCO =Universal Finance and Capital Markets

Table No.44Sources & Uses of Funds of Finance Companies.

Mid-Jan 2008

TOTAL ASSETS

TOTAL LIABILITIES

53

HFS

C

YETI

INVE

STA

LUM

BIN

I

STAN

DAR

D

MAH

ALAX

M

BFSC

O

LALI

TPU

R

ILFC

O

UN

ITED

NSM

B

GEN

ERAL

MER

CH

ANT

ALPI

C

NM

BF

N

FCL

PFL

JFC

L

CFC

PFC

O

21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 401 CAPITAL FUND 480.0 455.5 424.6 1026.4 968.7 1084.6 484.7 1222.9 1520.4 952.9 -4583.4 352.8 308.9 1064.7 2849.0 531.8 1644.9 619.1 884.0 406.1


c. Share Premium 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 60.5 0.0 0.0 0.0 0.0d. Retained Earning 0.0 10.0 66.2 7.4 227.4 13.2 10.6 201.7 6.5 9.2 -5583.4 11.3 0.0 188.8 23.0 0.8 740.0 20.3 60.0 4.9e. Others Reserves 0.0 0.0 48.0 60.0 0.0 0.0 70.0 237.2 0.0 60.0 0.0 35.0 0.0 0.0 0.0 0.0 52.0 100.0 0.0 0.0

1. Ex.Eq.Fund 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 2. Other 0.0 0.0 48.0 60.0 0.0 0.0 70.0 237.2 0.0 60.0 0.0 35.0 0.0 0.0 0.0 0.0 52.0 100.0 0.0 0.0

2 BORROWINGS 0.0 0.0 0.7 550.0 9520.0 1650.0 0.0 0.0 12411.8 3089.7 0.0 0.0 0.0 936.3 23930.5 75.0 0.0 0.0 0.0 1425.0 a. NRB

b. "A"Class Licensed Institution 0.0 0.0 0.0 550.0 3920.0 1650.0 0.0 0.0 12411.8 3089.7 0.0 0.0 0.0 735.3 18942.5 0.0 0.0 0.0 0.0 0.0c. Foreign Banks and Fin. Ins.d. Other Financial Ins. 0.7 5600.0 0.0 0.0 0.0 0.0 201.0 75.0 1425.0e. Bonds and Securities 4988.0 0.0

3 DEPOSITS 2290.7 3307.1 160.0 8639.1 8405.8 8977.7 1926.2 8730.7 10425.8 6191.6 6053.2 4869.0 1551.7 6285.3 18739.4 3703.4 9213.7 4525.7 9261.0 3655.6a. Current 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 3.8 0.0 0.0 0.0 8045.0 0.0 Domestic 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 3.8 0.0 0.0 0.0 8045.0 0.0 Foreign 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0b. Savings 421.0 1542.7 0.0 3298.7 4289.0 3712.4 511.8 3798.3 1904.6 2043.3 279.4 1405.0 403.8 1350.6 5661.5 1956.0 3890.4 996.4 1216.0 1591.9 Domestic 421.0 1542.7 0.0 3298.7 4289.0 3712.4 511.8 3798.3 1904.6 2043.3 279.4 1405.0 403.8 1350.6 5661.5 1956.0 3890.4 996.4 1216.0 1591.9 Foreign 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0c. Fixed 1869.7 1764.4 160.0 5303.7 4116.8 5265.3 1409.5 4932.4 8521.2 4148.3 4943.5 3464.0 1147.9 4934.7 8125.4 1747.4 5323.3 3529.3 0.0 2063.7 Domestic 1869.7 1764.4 160.0 5303.7 4116.8 5265.3 1409.5 4932.4 8521.2 4148.3 4943.5 3464.0 1147.9 4934.7 8125.4 1747.4 5323.3 3529.3 0.0 2063.7 Foreign 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0d. Call Deposits 0.0 0.0 0.0 36.7 0.0 0.0 0.0 0.0 0.0 0.0 830.3 0.0 0.0 0.0 4948.7 0.0 0.0 0.0 0.0 0.0e. Others 0.0 0.0 0.0 0.0 4.9 0.0 0.0 0.0 0.0 0.0 0.0 0.0




2935.3 4608.3 915.7 12902.7 20040.0 15830.1 2815.6 12905.2 26467.2 11116.0 9922.3 5692.0 2245.9 9857.4 121284.9 4687.0 12131.8 6731.7 10937.0 5902.71 LIQUID FUNDS 229.3 320.2 5.8 880.4 1120.4 1587.7 359.5 728.9 1056.9 557.4 113.0 1037.2 448.6 605.7 83563.9 287.8 746.5 520.0 1907.0 256.6

a. Cash Balance 92.1 8.4 1.3 12.9 30.0 167.4 5.5 11.8 37.9 14.7 5.7 54.3 26.0 19.9 50.0 35.8 9.8 20.0 44.0 50.9 Nepalese Notes & Coins 92.1 8.4 1.3 12.9 30.0 167.4 5.5 11.8 37.9 14.7 5.7 54.3 26.0 19.9 50.0 35.8 9.8 20.0 44.0 50.9 Foreign Currencyb. Bank Balance 137.2 311.8 4.5 257.9 575.9 1420.3 354.0 717.1 1019.0 251.8 107.3 982.9 33.2 585.8 1031.7 252.0 736.7 110.1 204.0 205.7 1. In Nepal Rastra Bank 43.2 75.2 4.5 255.3 446.1 206.8 55.9 230.6 223.5 236.0 86.5 181.9 33.2 151.7 908.6 80.6 280.5 100.5 204.0 120.0 Domestic Currency 43.2 75.2 4.5 255.3 446.1 206.8 55.9 230.6 223.5 236.0 86.5 181.9 33.2 151.7 908.6 80.6 280.5 100.5 204.0 120.0 Foreign Currency2. "A"Class Licensed Institution 94.0 236.6 0.0 2.6 116.8 1084.8 298.1 486.5 790.8 15.8 20.8 801.0 0.0 366.6 123.1 157.3 456.2 9.6 0.0 85.7 Domestic Currency 94.0 236.6 0.0 2.6 116.8 1084.8 298.1 486.5 790.8 15.8 20.8 801.0 0.0 366.6 123.1 157.3 456.2 9.6 0.0 85.7 Foreign Currency 3. Other Financial Ins. 0.0 0.0 0.0 0.0 13.0 128.7 0.0 0.0 4.7 0.0 0.0 0.0 0.0 67.5 0.0 14.1 0.0 0.0 0.0 0.0 4. in Foreign banksC.Money at Call 0.0 0.0 0.0 609.6 514.5 0 0 0 0 290.9 0 0 389.4 0 82482.2 0 0 389.9 1659 0 Domestic Currency 0.0 0.0 0.0 609.6 514.5 0.0 0.0 0.0 0.0 290.9 0.0 0.0 389.4 0.0 82482.2 0.0 0.0 389.9 1659.0 0.0 Foreign Currency 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

2 INVESTMENT IN SECURITIES 0.0 0.0 0.0 136.3 73.8 125.0 40.0 4.2 2170.5 325.0 0.0 0.0 0.0 0.0 5569.8 31.0 0.0 0.0 125.0 16.0 Govt.Securities 0.0 0.0 0.0 136.3 73.8 125.0 40.0 4.2 2170.5 325.0 0.0 0.0 0.0 0.0 5569.8 31.0 0.0 0.0 125.0 16.0b. NRB Bond 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0c. Govt.Non-Fin. Ins. 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0d. Other Non-Fin Ins. 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0e Non Residents 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0



5 BILL PURCHASED 0 0 0 38.3 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 a. Domestic Bills Purchased 0.0 0.0 0.0 38.3 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 b. Foreign Bills Purchased c. Import Bills & Imports 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

6 LOANS AGAINST COLLECTED BI 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 a. Against Domestic Bills 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 b. Against Foreign Bills


a. Accrued Interests 37.0 57.3 0.0 913.8 316.6 63.8 66.9 23.5 369.2 81.2 2380.4 197.5 52.3 403.9 995.2 63.5 279.0 408.0 84.0 129.1 Govt. Entp. 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 Private Sector 37.0 57.3 0.0 913.8 316.6 63.8 66.9 23.5 369.2 81.2 2380.4 197.5 52.3 403.9 995.2 63.5 279.0 408.0 84.0 129.1 b. Sundry Debtors 9.0 62.9 8.0 0.0 1.0 103.6 170.3 127.2 0.0 34.8 51.4 84.2 7.7 20.9 366.8 8.5 0.7 1.7 8.0 8.3 c. Cash In Transit 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 d. Others 141.2 238.0 56.5 303.7 409.4 121.2 6.5 350.5 687.0 57.6 57.7 20.4 221.3 308.8 370.6 107.6 141.7 21.1 65.0 34.2

7 Expenses not Written off 0.0 0.0 0.0 0.2 1.0 10.3 3.2 0.0 185.9 3.7 0.0 0.0 0.0 0.0 0.0 0.0 0.0 2.8 4.0 0.88 Non Banking Assets 3.5 368.1 0.0 154.8 10.7 42.6 40.5 1.7 0.5 49.4 48.3 26.0 75.7 248.6 0.0 0.0 30.1 0.8 0.0 28.39 Reconcillation Account 0.0 0.0 0.0 0.0 0.0 2567.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0# Profit & Loss A/c 0.0 0.0 0.0 0.0 145.6 590.7 0.0 0.0 0.0 0.0 411.6 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

2935.3 4608.3 915.7 12902.7 20040.0 15830.1 2815.6 12905.2 26467.2 11116.0 9922.3 5692.0 2245.9 9857.4 121284.9 4687.0 12131.8 6731.7 10937.0 5902.7

21. HFSC = Himalaya Finance and Saving Company 28. LFCL = Lalitpur Finance Co. Limited 35. NMBF = Nepal Marchant Banking & Finance Ltd.22. YETI = Yeti Finance Company 29. ILFCO = International Leasing & Finance Co. Limited 36. NFCL = Navadurga Finance Company Ltd.23. INVESTA =Investa Finance Limited 30. UNITED = United Finance Co. 37. PFL = Pokhara Finance Ltd .24. LUMBINI= Lumbini Finance and Leasing Company 31. NSMB = Nepal Srilanka Merchant Bank 38. JFCL = Janaki Finance Company Ltd25. SFL = Standard Finance Limited 32. GENERAL = General Finance Co. 39. CFCL = Central Finance Company Ltd.26. MFL = Mahalaxmi Finance Limited 33. MFC = Merchant Finance Co. 40. PFCO = Premier Finance Company Ltd.27. BFSCO = Bhajuratna Finance & Saving Co. Limit 34. ALPIC = Alpic Everest Finance Ltd.

TOTAL ASSETS

TOTAL LIABILITIES

54

AFS

L

MS

&IF

CO

BU

TWA

L

Kas

ki

SFL

OM

CO

SMIC

Wor

ld

Cap

ital

Cry

stal

Roy

al

Guh

eshw

o r

Pat

an

Kis

t

Few

a

Eve

rest

Birg

unj

Pru

dent

ICFC

ZEN

ITH

41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 601 CAPITAL FUND -295.0 37.6 764.4 300.0 160.1 986.0 931.0 840.0 1699.0 671.6 640.6 663.7 504.2 2190.5 802.0 263.8 774.0 563.7 813.7 360.0


c. Share Premium 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0d. Retained Earning -410.3 0.0 33.1 0.0 7.9 69.0 64.7 136.0 0.0 120.9 0.0 1.5 0.0 76.6 28.0 36.0 78.5 0.0 49.0 0.0e. Others Reserves 0.4 3.0 0.0 0.0 0.0 121.0 0.0 0.0 0.0 35.0 0.0 66.0 0.0 0.0 0.0 0.0 0.0 37.6 0.0 0.0

1. Ex.Eq.Fund 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 2. Other 0.4 3.0 0.0 0.0 0.0 121.0 0.0 0.0 0.0 35.0 0.0 66.0 0.0 0.0 0.0 0.0 0.0 37.6 0.0 0.0

2 BORROWINGS 0.0 0.0 1029.0 0.0 0.0 200.0 179.0 472.5 1028.5 0.0 705.8 169.8 0.0 3789.5 0.0 0.0 4350.0 100.0 5144.9 310.0 a. NRB

b. "A"Class Licensed Institution 0.0 0.0 1029.0 0.0 0.0 200.0 179.0 472.5 878.5 0.0 605.8 19.8 0.0 3789.5 0.0 0.0 3350.0 100.0 5144.9 0.0c. Foreign Banks and Fin. Ins.d. Other Financial Ins. 0.0 0.0 150.0 100.0 150.0 0.0 0.0 0.0 1000.0 0.0 0.0 310.0e. Bonds and Securities

3 DEPOSITS 637.0 389.8 6974.7 2492.0 450.0 6962.0 4198.3 9097.7 13045.2 5969.2 5988.7 4132.6 3968.2 18316.3 6881.0 2128.7 6589.0 3560.9 6438.7 1186.6a. Current 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 83.2 0.0 0.0 0.0 0.0 0.0 0.0 Domestic 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 83.2 0.0 0.0 0.0 0.0 0.0 0.0 Foreign 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0b. Savings 245.0 106.4 3325.4 1080.0 198.3 2522.0 1097.7 1889.2 2705.5 947.9 1876.2 1046.5 976.9 9278.2 2620.0 922.6 3667.9 1261.0 3818.7 882.3 Domestic 245.0 106.4 3325.4 1080.0 198.3 2522.0 1097.7 1889.2 2705.5 947.9 1876.2 1046.5 976.9 9278.2 2620.0 922.6 3667.9 1261.0 3818.7 882.3 Foreign 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0c. Fixed 392.0 283.4 3649.3 1097.0 201.2 4440.0 3100.6 7208.5 10339.7 5005.3 4112.5 3086.1 2991.3 8134.9 4261.0 1206.1 2880.3 2299.9 2620.0 304.3 Domestic 392.0 283.4 3649.3 1097.0 201.2 4440.0 3100.6 7208.5 10339.7 5005.3 4112.5 3086.1 2991.3 8134.9 4261.0 1206.1 2880.3 2299.9 2620.0 304.3 Foreign 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0d. Call Deposits 0.0 0.0 0.0 315.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 820.0 0.0 0.0 0.0 0.0 0.0 0.0e. Others 0.0 0.0 50.5 16.0 0.0 0.0 40.8 0.0 0.0 0.0




943.2 608.5 10345.0 2847.0 704.5 9043.0 7171.7 12824.0 17766.2 7430.7 8263.4 5593.0 5078.4 24934.8 8232.0 2653.0 17311.5 4620.4 13291.9 1877.81 LIQUID FUNDS 41.4 19.6 2011.2 804.0 154.5 434.0 865.7 1036.1 1112.0 908.4 1125.2 524.8 246.4 4673.8 808.0 507.6 1819.8 496.3 3048.4 269.6

a. Cash Balance 8.4 7.8 54.4 11.0 4.6 16.0 12.0 27.4 37.2 39.3 17.5 15.9 7.7 252.6 12.0 12.7 55.1 15.4 30.0 9.4 Nepalese Notes & Coins 8.4 7.8 54.4 11.0 4.6 16.0 12.0 27.4 37.2 39.3 17.5 15.9 7.7 252.6 12.0 12.1 53.2 15.4 30.0 9.4 Foreign Currency 0.6 1.9b. Bank Balance 33.0 11.8 1956.8 793.0 149.9 212.0 853.7 1008.7 1074.8 869.1 1107.7 508.9 238.7 4421.2 190.0 494.9 1764.7 480.9 3018.4 260.2 1. In Nepal Rastra Bank 6.0 0.0 22.8 51.0 1.0 145.0 100.0 75.4 319.3 120.6 345.3 99.5 202.0 1054.5 144.0 43.4 261.6 173.0 310.2 15.0 Domestic Currency 6.0 0.0 22.8 51.0 1.0 145.0 100.0 75.4 319.3 120.6 345.3 99.5 202.0 1054.5 144.0 43.4 261.6 173.0 310.2 15.0 Foreign Currency2. "A"Class Licensed Institution 27.0 10.8 1203.1 2.0 138.9 0.0 715.9 933.3 629.2 748.5 420.3 253.0 36.7 614.5 46.0 391.4 1253.5 26.8 42.8 200.4 Domestic Currency 27.0 10.8 1203.1 2.0 138.9 0.0 715.9 933.3 629.2 748.5 420.3 253.0 36.7 614.5 46.0 391.4 1253.5 26.8 42.8 200.4 Foreign Currency 3. Other Financial Ins. 0.0 1.0 730.9 740.0 10.0 67.0 37.8 0.0 126.3 0.0 342.1 156.4 0.0 2752.2 0.0 60.1 249.6 281.1 2665.4 44.8 4. in Foreign banksC.Money at Call 0 0 0 0 0 206 0 0 0 0 0 0 0 0 606 0 0 0 0 0 Domestic Currency 0.0 0.0 0.0 0.0 0.0 206.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 606.0 0.0 0.0 0.0 0.0 0.0 Foreign Currency 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0




5 BILL PURCHASED 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 a. Domestic Bills Purchased 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 b. Foreign Bills Purchased c. Import Bills & Imports 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

6 LOANS AGAINST COLLECTED B 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 a. Against Domestic Bills 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 b. Against Foreign Bills


a. Accrued Interests 288.7 46.0 437.6 13.0 10.0 121.0 389.0 105.8 360.0 0.0 93.0 204.7 315.8 300.0 53.0 67.7 80.8 49.6 111.0 2.2 Govt. Entp. 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 Private Sector 288.7 46.0 437.6 13.0 10.0 121.0 389.0 105.8 360.0 0.0 93.0 204.7 315.8 300.0 53.0 67.7 80.8 49.6 111.0 2.2 b. Sundry Debtors 26.3 7.1 280.9 0.0 16.7 97.0 253.7 151.7 29.0 11.5 0.7 68.2 15.2 200.0 6.0 23.0 5.9 33.8 26.0 17.2 c. Cash In Transit 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 38.6 0.0 d. Others 139.1 7.0 42.8 1.0 81.9 413.0 839.3 1651.5 221.7 286.8 204.8 139.1 384.4 145.4 45.0 1.4 175.2 142.6 367.9 0.4

7 Expenses not Written off 0.1 0.5 13.2 8.0 2.2 5.0 1.7 7.6 0.0 0.0 0.0 3.0 2.4 9.0 0.0 0.0 8.6 0.0 38.6 13.78 Non Banking Assets 10.5 8.9 20.5 0.0 0.0 0.0 0.0 0.0 0.0 0.0 21.8 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.09 Reconcillation Account 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 5107.4 0.0 0.0 0.0

10 Profit & Loss A/c 0.0 39.0 0.0 14.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 14.2943.2 608.5 10345.0 2847.0 704.5 9043.0 7171.7 12824.0 17766.2 7430.7 8263.4 5593.0 5078.4 24934.8 8232.0 2653.0 17311.5 4620.4 13291.9 1877.8

41. AFSL = Arun Finance and Saving Ltd. 49 Capital = Capital Marchant Banking & Finance Ltd. 57 BIRGUNG = Birgunj Finance Ltd42. MS&IFCO = Multipurpose Savings & Finance Co. Ltd. 50 Crystal = Crystal Finance Ltd 58 PRUDENT=Prudential Merchant Banking &Finance Ltd.43. BUTWAL = Butwal Finance Ltd . 51 Royal = Royal Marchant Banking & Finance Ltd. 59 ICFC = Investment & Credit Finance Co. Ltd.44. Kaski Finance Limited 52 GUHESHWORI = Guheshwori Marchant Banking & Finance Ltd. 60 ZENITH = Zenith Merchant Financial Institution Ltd.45. SFL = Shrijana Finance Ltd . 53 PATAN = Patan Finance Co. Ltd .46. OM = Om Finance Ltd . 54 KIST =Kist Merchant Banking & Finance Limited

TOTAL ASSETS

TOTAL LIABILITIES

55

Saga

rmat

ha

Shik

har

CIV

IL

Prab

hu

Impe

rial

Kube

r

Nep

al E

xp.

Valle

y

Seti

Ham

a

Rel

iabl

e

Lord

Bud

da

Api F

inan

ce

Nam

este

Sury

adar

sha

Uni

que

Man

jush

ree

Subh

alax

mi

Swos

tik

Tota

l

61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 791 CAPITAL FUND 359.1 304.4 540.0 1107.0 545.6 279.1 506.6 283.0 34.1 278.7 615.0 516.0 140.0 51.0 300.0 300.0 700.0 700.0 318.0 56083.7

a. Paid-up Capital 300.0 300.0 500.0 1120.0 500.0 275.0 500.0 275.0 51.0 315.0 578.0 516.0 140.0 51.0 300.0 300.0 700.0 700.0 318.0 48686.6 b. General Reserves 11.8 4.4 8.0 1.0 10.4 4.1 0.0 5.1 0.6 0.0 37.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 8123.7

c. Share Premium 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 221.4d. Retained Earning 0.0 0.0 28.0 -14.0 35.2 0.0 6.6 2.9 -17.5 -36.3 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 -2466.7e. Others Reserves 47.3 0.0 4.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 1518.7

1. Ex.Eq.Fund 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 2. Other 47.3 0.0 4.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 1518.7

2 BORROWINGS 200.0 0.0 0.0 4754.0 800.0 199.0 0.0 0.0 0.0 100.0 2152.0 0.0 0.0 0.0 25.0 850.0 150.0 100.0 704.0 91225.7 a. NRB 0.0

b. "A"Class Licensed Institution 200.0 0.0 0.0 754.0 0.0 199.0 0.0 0.0 0.0 100.0 460.0 0.0 0.0 0.0 0.0 500.0 150.0 0.0 0.0 65180.0c. Foreign Banks and Fin. Ins. 0.0d. Other Financial Ins. 0.0 4000.0 800.0 1692.0 25.0 350.0 100.0 704.0 21057.7e. Bonds and Securities 4988.0

3 DEPOSITS 3907.4 2182.8 3161.0 6679.0 4657.1 3960.3 992.2 1038.9 476.5 1973.0 6522.0 2009.9 777.9 250.2 688.1 710.7 439.2 1033.6 42.0 408846.7a. Current 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 35.9 0.0 0.0 8167.9 Domestic 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 35.9 0.0 0.0 8167.9 Foreign 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0b. Savings 1067.6 576.9 1100.0 5323.0 1824.4 2023.8 600.7 676.8 287.4 1390.0 2892.0 1628.9 600.0 202.8 619.9 471.4 242.3 448.6 40.4 145787.1 Domestic 1067.6 576.9 1100.0 5323.0 1824.4 2023.8 600.7 676.8 287.4 1390.0 2892.0 1628.9 600.0 202.8 619.9 471.4 242.3 448.6 40.4 145787.1 Foreign 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0c. Fixed 2839.8 1605.9 1816.0 1356.0 2086.9 1936.5 391.5 362.1 112.6 583.0 3630.0 381.0 177.9 47.4 67.6 239.3 11.0 584.4 1.0 245965.6 Domestic 2839.8 1605.9 1816.0 1356.0 2086.9 1936.5 391.5 362.1 112.6 583.0 3630.0 381.0 177.9 47.4 67.6 239.3 11.0 584.4 1.0 245965.6 Foreign 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0d. Call Deposits 0.0 0.0 245.0 0.0 745.8 0.0 0.0 0.0 76.5 0.0 0.0 0.0 0.0 0.0 0.0 0.0 150.0 0.0 0.0 8770.0e. Others 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.6 0.0 0.0 0.6 0.6 156.1



0.07 Reconcillation A/c 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 7686.48 Profit & Loss A/c 77.1 21.4 31.0 0.0 39.6 0.0 0.3 70.0 2.7 38.0 131.0 27.8 4.1 -12.8 2.1 0.0 2.5 0.0 -11.8 7690.2

4724.7 2695.5 3866.0 13007.0 6177.3 4878.2 1546.0 1427.8 562.3 2434.6 9573.0 2581.0 929.2 300.8 1029.0 1971.3 1308.6 1889.1 1065.0 713657.61 LIQUID FUNDS 630.4 402.7 676.0 926.0 1436.5 716.7 290.6 195.9 51.2 206.7 2225.0 738.2 449.4 116.8 495.4 164.0 398.6 131.4 92.9 145373.3

a. Cash Balance 21.9 21.2 20.0 210.0 18.2 9.1 45.1 24.7 13.0 6.0 21.0 10.0 11.1 11.3 35.0 8.7 76.6 10.6 12.4 2824.3 Nepalese Notes & Coins 21.9 21.2 20.0 209.0 18.2 9.1 43.9 24.7 13.0 6.0 21.0 10.0 11.1 9.5 35.0 8.7 76.6 10.6 12.4 2817.8 Foreign Currency 1.0 1.2 1.8 6.5b. Bank Balance 608.5 381.5 656.0 716.0 1418.3 707.6 245.5 171.2 38.2 47.9 1885.0 728.2 438.3 105.5 460.4 155.3 16.0 120.8 80.5 49401.7 1. In Nepal Rastra Bank 96.3 47.4 175.0 566.0 129.2 160.8 1.0 26.3 0.0 30.2 294.0 45.2 21.7 0.0 15.5 25.5 15.9 27.0 2.1 12330.2 Domestic Currency 96.3 47.4 175.0 566.0 129.2 160.8 1.0 26.3 0.0 30.2 294.0 45.2 21.7 0.0 15.5 25.5 15.9 27.0 2.1 12330.2 Foreign Currency 0.02. "A"Class Licensed Institution 297.5 20.9 217.0 150.0 376.7 546.8 132.0 144.9 36.5 17.7 13.0 181.0 8.9 105.5 9.9 86.8 0.1 0.0 15.0 20132.2 Domestic Currency 297.5 20.9 217.0 150.0 376.7 546.8 132.0 144.9 36.5 17.7 13.0 181.0 8.9 105.5 9.9 86.8 0.1 0.0 15.0 20132.2 Foreign Currency 0.0 3. Other Financial Ins. 214.7 313.2 264.0 0.0 912.4 0.0 112.5 0.0 1.7 0.0 1578.0 502.0 407.7 0.0 435.0 43.0 0.0 93.8 63.4 16939.3 4. in Foreign banks 0.0C.Money at Call 0 0 0 0 0 0 0 0 0.0 152.8 319.0 0.0 0.0 0.0 0.0 0.0 306.0 0.0 0.0 93147.3 Domestic Currency 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 152.8 319.0 0.0 0.0 0.0 0.0 0.0 306.0 0.0 0.0 93147.3 Foreign Currency 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0



4 LOANS & ADVANCES 3932.0 2167.2 2467.0 10517.0 4346.2 3388.1 1035.5 903.2 464.0 2026.0 6415.0 1574.7 442.8 177.4 433.0 1557.6 855.0 1646.9 922.9 448202.8a. Govt. Entp. 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.0 i. Financial 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 ii. Non-Finan. 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 Pvt. Sector 3932.0 2167.2 2467.0 10517.0 4346.2 3388.1 1035.5 903.2 464.0 2026.0 6415.0 1574.7 442.8 177.4 433.0 1557.6 855.0 1646.9 922.9 448202.8

5 BILL PURCHASED 0 0 13 1 0 0 0 0 0 0 5 0 0 0 0 0 0 0 0 57.3 a. Domestic Bills Purchased 0.0 0.0 13.0 1.0 0.0 0.0 0.0 0.0 0.0 0.0 5.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 57.3 b. Foreign Bills Purchased c. Import Bills & Imports 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

6 LOANS AGAINST COLLECTED BILLS 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 a. Against Domestic Bills 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 b. Against Foreign Bills


a. Accrued Interests 16.6 62.7 0.0 134.0 63.3 51.7 3.9 17.8 3.7 0.3 75.0 3.8 2.2 0.2 1.4 0 0.3 18.6 0.1 14304.9 Govt. Entp. 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 Private Sector 16.6 62.7 0.0 134.0 63.3 51.7 3.9 17.8 3.7 0.3 75.0 3.8 2.2 0.2 1.4 0.0 0.3 18.6 0.1 14304.9 b. Sundry Debtors 1.7 0.3 9.0 511.0 0.0 36.5 11.8 0.0 2.4 8.7 8.0 0.5 0.0 0.0 0.0 21.6 0.0 0.0 0.0 3904.0 c. Cash In Transit 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 38.6 d. Others 32.5 41.1 46.0 149.0 19.6 218.0 10.7 0.0 31.4 0.6 107.0 7.1 8.1 1.4 35.1 5.1 3.1 2.8 28.8 13996.8

7 Expenses not Written off 0.0 0.0 8.0 5.0 0.0 14.8 22.7 1.5 3.7 7.0 0.0 0.0 5.2 0.0 3.1 10.9 6.6 21.7 0.0 865.48 Non Banking Assets 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 3320.49 Reconcillation Account 0.0 0.0 0.0 -178.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 7756.210 Profit & Loss A/c 0.0 0.0 0.0 170.0 0.0 59.3 2.3 50.2 0.0 0.0 0.0 11.2 0.0 0.0 0.0 101.5 0.0 34.7 0.0 1813.6

4724.7 2695.5 3866.0 13007.0 6177.3 4878.2 1546.0 1427.8 562.3 2434.6 9573.0 2581.0 929.2 300.8 1029.0 1971.3 1308.6 1889.1 1065.0 713657.6

61 Sagarmatha= Sagarmatha Merchant Banking & Finance LTD. 68. Valley= Valley Bitiya Sanstha Limited. 75. Suryadarshan= Suryadarshan Financial Institution Ltd.62 Shikhar = Shikhar Bittiya Sanstha ltd. 69. Seti = Seti Bitiya Sanstha Limited. 76.Unique = Unique Financial Institution Ltd.63 CIVIL = Civil Merchant Bitiya Sanstha Limited. 70. Hama= Hama Bitiya Sanstha Limited. 77.Manjushree = Manjushree Financial Institution Ltd.64 Prabhu= Prabhu Finance co. Limited. 71. Rilayabal= Rilayabal Bitiya Sanstha Limited. 78.Subhalaxmi=Subhalaxmi Finance Ltd.65. SFL = Shrijana Finance Ltd . 72. Lord Budda = Lord budda financial Institution 79.Swostik = Swostik Merchant Finance Company Ltd.66. OM = Om Finance Ltd . 73. Api = Api Financial financial Institution Ltd.67. COSMIC = Cosmic Marchant Banking & Finance Ltd. 74.Nameste = Nameste Bitiya Sanstha Limited.

TOTAL ASSETS

TOTAL LIABILITIES

56

(Rs in Lakhs)Within Ktm. Out of Ktm. Total

Valley (54)* (A) Valley (25)* (B) (C)

A B

1 CAPITAL FUND 40986.0 15097.7 56083.7 73.1 26.90.0 0.0 #DIV/0!

a. Paid-up Capital 37524.5 11162.1 48686.6 77.1 22.9 b. General Reserve 5739.3 2384.4 8123.7 70.6 29.4 c. Share Premium 210.5 10.9 221.4 95.1 4.9 d. Retained Earning -3594.6 1127.9 -2466.7 145.7 -45.7 e. Others Reserves 1106.3 412.4 1518.7 72.8 27.2 1. Ex.Eq.Fund 0.0 0.0 0.0 0.0 0.0 2. Other 1106.3 412.4 1518.7 72.8 27.2

0.0 0.02 BORROWINGS 81925.4 9300.3 91225.7 89.8 10.2 a. NRB 0.0 0.0 0.0 0.0

b. "A"Class Licensed Institution 56880.4 8299.6 65180.0 87.3 12.7c. Foreign Banks and Fin. Ins. 0.0 0.0d. Other Financial Ins. 20057.0 1000.7 21057.7 95.2 4.8e. Bonds and Securities 4988.0 0.0 4988.0 100.0 0.0

0.0 0.0 - -3 DEPOSITS 301088.7 107758.0 408846.7 73.6 26.4

a. Current 8167.9 0.0 8167.9 0.0 0.0 Domestic 8167.9 0.0 8167.9 0.0 0.0 Foreign 0.0 0.0 0.0b. Savings 104011.3 41775.8 145787.1 71.3 28.7 Domestic 104011.3 41775.8 145787.1 71.3 28.7 Foreign 0.0 0.0 0.0c. Fixed 180471.6 65494.0 245965.6 73.4 26.6 Domestic 180471.6 65494.0 245965.6 73.4 26.6 Foreign 0.0 0.0 0.0d. Call Deposits 8378.5 391.5 8770.0 95.5 4.5e. Others 59.4 96.7 156.1 38.1 61.9

4 Bills Payable 0.0 0.0 0.0 0.0 0.06 Other Liabilities 125657.4 16467.6 142125.0 88.4 11.6

1. Sundry Creditors 79206.0 2857.6 82063.6 96.5 3.5 2. Loan Loss Provision 18105.3 4560.2 22665.5 79.9 20.12.1. General Loan Loss Prov. 4866.5 1139.3 6005.8 81.0 19.02.2. Special Loan Loss Prov. 13258.5 3458.3 16716.8 79.3 20.7 3. Interest Suspense a/c 8705.9 2812.1 11518.0 75.6 24.4 4. Others 19640.2 6237.7 25877.9 75.9 24.1

0.07 Reconcillation A/c 0.0 7686.4 7686.4 0.0 100.08 Profit & Loss A/c 4576.9 3113.3 7690.2 59.5 40.5

554234.3 159423.3 713657.6 77.7 22.31 LIQUID FUNDS 129366.2 16007.1 145373.3 89.0 11.0

a. Cash Balance 2005.0 819.3 2824.3 71.0 29.0 Nepalese Notes & Coins 2004.0 813.8 2817.8 71.1 28.9 Foreign Currency 1.0 5.5 6.5 15.4 84.6b. Bank Balance 35887.8 13513.9 49401.7 72.6 27.4 1. In Nepal Rastra Bank 10111.5 2218.7 12330.2 82.0 18.0 Domestic Currency 10111.5 2218.7 12330.2 82.0 18.0 Foreign Currency 0.0 0.0 0.0 2. "A"Class Licensed Institution 11966.2 8166.0 20132.2 - 40.6 Domestic Currency 11966.2 8166.0 20132.2 59.4 40.6 Foreign Currency 0.0 0.0 0.0 - 3. Other Financial Ins. 13810.1 3129.2 16939.3 - 18.5 4. in Foreign banks 0.0 0.0 0.0C.Money at Call 91473.4 1673.9 93147.3 98.2 1.8 Domestic Currency 91473.4 1673.9 93147.3 98.2 1.8 Foreign Currency 0.0 0.0 0.0

2 INVESTMENT IN SECURITIES 11149.6 888.3 12037.9 92.6 7.4a. Govt.Securities 11149.6 888.3 12037.9 92.6 7.4b. NRB Bond 0.0 0.0c. Govt.Non-Fin. Ins. 0.0 0.0 0.0 0.0 0.0d. Other Non-Fin Ins. 0.0 0.0 0.0e Non Residents 0.0 0.0 0.0

3 SHARE & OTHER INVESTMENT 35193.5 8859.0 44052.5 79.9 20.1 1.1 Non Residents 0.0 0.0 0.0 0.0 0.0 2.Others 35193.5 8859.0 44052.5 79.9 20.1

4 LOANS & ADVANCES 334441.7 113761.1 448202.8 74.6 25.4a. Govt. Entp. 0.0 0.0 i. Financial 0.0 0.0 ii. Non-Finan. 0.0 0.0b. Pvt. Sector 334441.7 113761.1 448202.8 74.6 25.4

0.0 0.05 BILL PURCHASED 57.3 0.0 57.3 100.0 0.0

a. Domestic Bills Purchased 57.3 0.0 57.3 100.0 0.0 b. Foreign Bills Purchased 0.0 0.0 c. Import Bills & Imports 0.0 0.0

6 LOANS AGAINST COLLECTED BILLS 0.0 0.0 a. Against Domestic Bills 0.0 0.0 b. Against Foreign Bills 0.0 0.0

8 FIXED ASSETS 16083.9 1815.3 17899.2 89.9 10.19 OTHER ASSETS 24014.4 8229.9 32244.3 74.5 25.5

a. Accrued Interests 11059.3 3245.6 14304.9 77.3 22.7 Govt. Entp 0.0 0.0 0.0 Private Sector 11059.3 3245.6 14304.9 77.3 22.7

c. Sundry Debtors 2984.0 920.0 3904.0 76.4 23.6 d. Cash In Transit 38.6 0.0 38.6 100.0 0.0 e. Others 9932.5 4064.3 13996.8 71.0 29.010 Expenses not Written off 767.3 98.1 865.4 88.7 11.311 Non Banking Assets 2329.1 991.3 3320.4 70.1 29.912 Reconcillation Account -178.0 7934.2 7756.2 -2.3 102.313 Profit & Loss A/c 1009.3 839.0 1848.3 54.6 45.4TOTAL ASSETS 554234.3 159423.3 713657.6 77.7 22.3

TOTAL LIABILITIES

Percentage Share

Table No. 45SOURCES AND USES OF FINANCE COMPANIES

57

( Rs.in Lakhs )

Heads \ Banks

NH

DFC

O

NFS

CO

NFC

O

AFC

O

NID

C C

M

NS

MC

O

PFC

O

KA

FAL

UFC

O

MFC

O

NaF

CO

PaF

CO

GO

RK

HA

SFC

O

NH

MFC

O

UF-

CM

CO

S

IFC

SID

DH

AR

GFC

IME

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 1 Agriculture 0.0 13.6 218.0 0.0 0.0 0.0 0.0 37.0 119.0 0.0 437.8 142.9 38.0 0.0 18.1 374.9 521.0 0.0 0.0 289.0

2 Mines 0.0 14.7 30.0

3 About Productions 0.0 20.0 812.0 800.0 467.7 443.6 264.0 0.0 543.0 18.0 497.4 218.9 96.0 207.0 437.3 28.5 843.6 276.0 102.9 1200.0 4 Construction 4841.0 2900.3 2295.0 6282.1 955.2 6377.4 2353.0 0.0 2147.0 6.0 2128.3 0.0 749.0 841.0 3952.0 2164.7 1373.5 2768.0 1760.0 3000.0 5 Metal Productions,Machinary & Electrical Tools & fitting 0.0 12.3 792.0 13.3 1.5 0.0 0.0 19.0 0.0 0.0 0.0 23.0 0.0 96.0 0.0 0.0 0.0 181.4 158.0 6 Transportation Equipment Production & Fitting 26.9 296.0 0.0 0.0 0.0 0.0 0.0 0.0 813.9 107.6 95.4 0.0 0.0 346.0 7 Transportation, Communications & Public Services 0.0 0.0 119.0 5936.6 29.0 147.3 0.0 46.6 1249.0 177.8 0.0 0.0 1079.0 296.0 14.2 0.0 185.0 1411.0 483.0 116.0 8 Wholesaler & Retailers 0.0 0.0 1245.0 2925.8 667.5 2341.4 2250.0 281.4 268.0 101.0 965.0 1203.0 311.0 32.0 388.2 2984.0 1163.0 1073.6 1010.0 555.0 9 Finance, Insurance & Fixed Assets 347.0 375.9 351.1 734.0 0.0 63.0 531.0 0.0 521.0 0.0 0.0 0.0 699.9 0.0 997.9 0.0 0.0 1140.0 10 Service Industries 0.0 169.9 83.0 484.1 274.0 4774.0 0.0 800.0 36.0 9.0 0.0 0.0 41.0 46.0 0.0 152.9 506.6 284.0 0.0 256.0 11 Consumable Loan 0.0 850.0 55.0 953.3 1841.7 893.2 192.0 1469.6 1819.0 62.0 1048.0 0.0 143.0 0.0 714.4 119.6 112.1 0.0 0.0 100.0 12 Local Government 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 13 Others 25.0 1031.3 1063.0 164.3 2155.3 3887.4 276.0 348.3 542.7 0.2 90.2 5460.1 1271.7 884.0 3845.3 1999.7 1854.1 1188.5 1056.4 7.0 Total 4866.0 4997.4 6237.0 18741.0 7050.8 19599.8 5335.0 3045.9 7273.7 374.0 5687.7 7024.9 3751.7 2306.0 10994.0 7931.9 7652.2 7001.1 4593.7 7197.0

TABLE NO.46SECTORWISE OUTSTANDING CREDIT OF FINANCE COMPANIES

Mid-Jan 2008

Heads \ Banks

HFS

C

YETI

INVE

STA

LUM

BIN

I

STAN

DAR

MAH

ALAX

BFSC

O

LALI

TPU

R

ILFC

O

UN

ITED

NSM

B

GEN

ERA

MER

CH

A

ALPI

C

NM

BF

N

FCL

PFL

JFC

L

CFC

PFC

O

21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 1 Agriculture 0.0 2.4 117.7 0.0 0.0 260.5 74.0 0.0 0.0 1.0 479.6 18.0 16.0 5.0 179.0 115.9 0.0 0.0 0.0 0.0

2 Mines 31.6 0.0 75.0 38.2 0.0 0.0 12.0 20.0

3 About Productions 0.0 505.9 0.0 711.0 367.0 586.6 30.0 366.2 0.0 186.2 520.8 1952.0 53.0 868.9 744.0 395.8 0.0 466.0 15.0 371.0 4 Construction 520.0 834.0 98.0 2568.0 618.8 3024.3 800.0 3000.0 826.0 85.6 1209.6 0.0 646.8 1569.3 2670.0 353.5 1845.0 1527.0 1249.0 1242.0 5 Metal Productions,Machinary & Electrical Tools & fitting 6.4 1.8 0.0 26.0 0.0 75.1 0.0 0.0 19.0 470.6 264.3 4.0 16.0 21.1 105.0 35.0 0.0 0.0 13.2 0.0 6 Transportation Equipment Production & Fitting 156.0 0.0 0.0 3.0 402.0 17.0 0.0 311.6 189.9 80.0 569.4 7 Transportation, Communications & Public Services 0.0 299.5 590.9 1284.0 433.0 2109.0 0.0 283.0 8506.0 677.5 279.3 0.0 427.0 259.7 1134.9 170.0 0.0 253.7 1074.0 511.0 8 Wholesaler & Retailers 580.6 581.6 0.0 1484.0 603.0 1448.0 559.0 380.0 10027.0 163.0 145.4 1301.0 18.0 566.3 707.0 672.7 3788.0 1672.3 168.0 609.0 9 Finance, Insurance & Fixed Assets 296.8 0.0 0.0 291.0 0.0 0.0 0.0 175.0 0.0 470.2 701.7 295.0 0.0 2559.7 675.5 478.0 0.0 0.0 0.0 0.0 10 Service Industries 0.0 0.0 0.0 632.0 33.0 180.0 0.0 35.0 5.0 0.0 481.7 189.0 11.0 16.2 152.4 100.9 330.0 27.0 0.0 0.0 11 Consumable Loan 0.0 275.4 34.8 150.0 4228.0 171.4 344.0 3346.0 96.0 5929.0 0.0 0.0 33.0 86.4 6123.0 118.0 0.0 1006.9 3067.0 191.0 12 Local Government 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 13 Others 511.1 594.4 0.0 2319.9 10649.6 1241.5 63.9 2117.5 333.3 1824.6 2049.0 546.7 129.6 1218.2 6159.1 710.5 1615.4 670.4 2871.8 2047.7 Total 2102.5 3095.0 841.4 9465.9 16932.4 9099.4 1870.9 10179.7 19829.3 9845.9 6131.4 4305.7 1350.4 7494.4 18839.8 3250.3 8147.8 5623.3 8458.0 4971.7

59

Heads \ Banks

AFS

L

MS

&IF

CO

BU

TWA

L

Kas

ki

SFL

OM

CO

SM

IC

Wor

ld

Cap

ital

Cry

stal

Roy

al

Guh

eshw

Pat

an

Kis

t

Few

a

Eve

rest

Birg

unj

Pru

dent

ICFC

ZEN

ITH

41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 1 Agriculture 0.0 66.1 51.0 40.0 24.6 0.0 238.0 0.0 172.5 0.0 0.0 26.7 66.4 90.8 38.0 0.7 0.0 4.2 0.0 0.0

2 Mines 65.0

3 About Productions 0.0 17.0 258.1 10.0 0.0 58.0 286.0 0.0 3.4 0.0 79.2 57.6 322.0 1.4 393.0 0.0 95.5 85.9 242.5 195.8 4 Construction 0.0 104.0 384.0 1069.0 0.0 3447.0 695.0 3108.1 702.4 3525.9 1511.2 1056.0 334.0 627.0 2274.0 1043.0 1222.0 756.0 625.0 165.0 5 Metal Productions,Machinary & Electrical Tools & fitting 97.0 0.0 24.0 0.0 0.0 5.0 185.0 0.0 97.3 0.0 33.9 0.0 9.5 0.0 0.0 0.0 146.7 0.0 56.0 0.0 6 Transportation Equipment Production & Fitting 25.0 1055.0 0.0 97.3 150.8 0.6 111.0 321.0 47.9 7 Transportation, Communications & Public Services 0.0 0.0 1617.0 174.0 0.0 820.0 0.0 881.0 0.0 0.0 106.0 44.0 0.6 0.0 1398.0 254.5 701.0 0.0 0.0 0.0 8 Wholesaler & Retailers 0.0 52.3 722.5 241.0 19.5 2058.0 544.0 0.0 0.0 0.0 295.3 2.5 428.8 0.0 1013.0 357.7 1196.5 253.0 645.0 210.0 9 Finance, Insurance & Fixed Assets 0.0 0.0 2628.8 71.0 50.0 834.0 800.0 0.0 0.0 0.0 1073.8 853.0 0.0 0.0 57.0 0.0 0.0 315.0 55.9 0.0 10 Service Industries 0.0 0.0 143.0 33.0 0.3 146.0 152.0 0.0 0.0 0.0 148.2 27.3 48.9 32.9 221.0 20.1 44.0 0.0 150.0 0.0 11 Consumable Loan 0.0 58.0 104.0 0.0 0.0 89.0 170.0 2600.0 105.8 677.5 1.9 148.0 503.2 2161.0 126.0 36.1 83.2 44.0 800.0 79.0 12 Local Government 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 13 Others 336.3 163.6 747.6 272.0 341.1 0.0 170.7 779.8 13098.7 408.8 2355.0 2369.5 1856.5 12750.8 1652.0 285.9 5773.2 1498.0 5718.6 860.0 Total 433.3 461.0 6770.0 1910.0 435.5 7457.0 4295.7 7368.9 14277.4 4612.2 5755.3 4585.2 3569.9 15663.9 7283.0 1998.0 9583.1 3004.0 8293.0 1509.8

60

Heads \ Banks

Sag

arm

at

Shi

khar

CIV

IL

Pra

bhu

Impe

rial

Kub

er

Nep

al E

x

Val

ley

Set

i

Ham

a

Rel

iabl

e

Lord

Bud

d

Api

Fin

an

Nam

este

Sur

yada

rs

Uni

que

Man

jush

r

Sub

hala

x

Sw

ostik

Tota

l

61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 1 Agriculture 6.0 0.0 0.0 6.0 5.0 4.0 4.8 0.0 94.7 0.0 35.0 20.0 0.0 0.0 4472.9 2 Mines 286.5 3 About Productions 33.0 0.0 0.0 219.0 176.9 0.0 2.3 0.0 22.9 24.0 0.0 96.6 13.0 0.0 23.0 18095.4 4 Construction 368.8 50.8 243.8 522.0 516.3 1091.0 59.5 280.3 30.5 368.4 468.0 166.2 65.4 0.0 300.0 300.0 107.0 300.0 98394.6 5 Metal Productions,Machinary & Electrical Tools & fitting 0.0 0.0 0.0 42.0 53.7 0.0 0.0 396.8 0.0 1.5 54.0 0.0 0.0 0.0 80.9 3556.4 6 Transportation Equipment Production & Fitting 0.4 392.1 16.0 52.6 12.0 0.0 96.0 96.0 96.0 5696.4 7 Transportation, Communications & Public Services 359.9 0.0 179.0 451.0 0.0 165.0 478.4 0.0 18.0 0.0 649.0 218.9 46.9 0.0 38097.3 8 Wholesaler & Retailers 30.3 390.1 233.0 363.0 343.9 25.0 0.0 0.0 180.0 930.0 141.4 39.4 0.0 26.0 26.0 86.0 26.0 55914.6 9 Finance, Insurance & Fixed Assets 1180.0 0.0 512.0 224.0 165.0 279.0 79.9 0.0 0.0 28.3 439.0 67.0 12.0 0.0 233.0 40.0 21416.4 10 Service Industries 33.6 6.0 39.0 59.0 80.0 41.0 0.0 0.0 0.0 12.0 79.0 0.0 0.0 0.0 1.0 1.0 1.0 11626.0 11 Consumable Loan 122.1 29.9 15.0 0.0 0.0 0.0 1.0 5.0 0.0 0.0 0.0 112.1 0.0 0.0 33.0 43644.6 12 Local Government 0.0 0.0 0.0 0.0 9.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 145.0 9.0 13 Others 1797.9 1690.4 1245.2 8631.0 2604.3 1767.1 409.6 221.1 65.3 1579.8 3761.0 752.5 266.1 177.4 10.0 1134.6 325.1 1223.9 704.9 140788.0 Total 3932.0 2167.2 2467.0 10517.0 4346.2 3388.1 1035.5 903.2 464.0 2026.0 6415.0 1574.7 442.8 177.4 433.0 1557.6 855.0 1646.9 922.9 448033.8

61

(Rs in Lakhs)

NH

DFC

O

NFS

CO

NFC

O

AFC

O

NID

C C

M

NSM

CO

PFC

O

KA

FAL

UFC

O

MFC

O

NaF

CO

PaFC

O

GO

RK

HA

SFC

O

NH

MFC

O

UF-

CM

CO

SI

FC

SID

DH

AR

T

GFC

IME

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 201. Total Capital and Liabilities (1.1 to 1.7 6543.44 7444.96 9975.24 19826.52 12567.35 25582.03 6615.91 4822.32 9429.11 501.16 7354.96 8786.38 4658.78 2895.67 13277.56 10732.21 10095.00 8583.54 7642.47 8772.00

1.1 Paid Up Capital 704.88 450.00 1045.77 2016.00 749.41 4000.00 663.94 330.00 725.15 180.00 501.11 556.60 300.00 221.65 653.40 501.30 672.00 520.00 500.00 825.001.2 Reserve and Surplus 332.76 417.72 1264.24 886.04 406.43 728.56 196.04 284.33 10.98 172.03 316.27 512.25 132.06 -239.46 542.52 420.43 357.51 227.77 594.54 217.001.4 Borrowings 275.00 526.22 1016.45 1553.75 1864.40 32.10 50.58 2518.01 1200.00 635.03 350.00 851.23 750.001.5 Deposits (a.+ b.) 4891.16 4479.99 6319.13 15439.25 7382.46 17298.94 5203.34 3667.66 6756.91 138.48 6167.2 6405.88 3846.96 2444.68 8421.83 7830.3 7753.7 6122.99 5151.35 6828

a. Domestic Currency 4891.16 4479.99 6319.13 15439.25 7382.46 17298.94 5203.34 3667.66 6756.91 138.48 6167.20 6405.88 3846.96 2444.68 8421.83 7830.30 7753.70 6122.99 5151.35 6828.001.6 Income Tax Liability 398.85 84.83 37.87 123.93 -4.43 29.731.7 Other Liabilities 339.64 1172.18 1346.10 383.95 3991.18 1876.85 552.59 540.33 71.67 10.65 342.71 1261.07 379.76 468.80 1141.80 780.18 676.76 1362.78 515.62 152.002. Total Assets (2.1 to 2.7) 6543.44 7444.96 9975.24 19826.52 12567.35 25582.03 6615.91 4822.32 9429.11 501.16 7354.96 8786.38 4658.78 2895.67 13277.56 10732.21 10095.00 8583.54 7642.47 8772.002.1 Cash and Bank Balance 550.05 435.58 654.80 847.19 207.52 670.60 1105.97 680.45 577.84 31.88 281.61 558.53 116.90 120.51 587.01 636.85 655.00 581.48 496.15 821.002.2 Money at Call and Short Notice 472.14 3570.69 1166.19 374.29 396.532.3 Investments 932.93 945.88 1441.36 149.92 1023.04 660.94 30.86 679.52 125.67 49.91 1313.82 606.52 208.29 109.47 752.74 1588.81 358.00 90.27 1368.42 103.002.4 Loans and Advances 4865.61 4997.46 6237.43 18130.01 6550.74 19599.83 5335.38 3045.84 7118.04 374.39 5495.45 7024.97 3751.67 2246.88 10993.87 7931.90 7652.21 7073.84 4593.72 7196.002.5 Fixed Assets 20.99 27.31 322.62 75.23 452.55 2378.96 40.10 152.25 642.17 21.07 183.83 373.00 28.25 30.81 568.97 47.11 1123.69 145.79 686.19 59.002.6 Non Banking Assets 159.12 367.80 168.10 80.08 14.59 59.85 9.42 48.93 219.48 66.18 14.84 155.64 123.13 18.852.7 Other Assets 173.86 879.61 951.23 152.03 594.71 1025.43 89.01 204.41 591.10 23.91 70.83 174.43 157.14 168.52 308.79 512.70 150.46 569.03 479.14 593.00

3. Profit and Loss Account (up to this Quarter)

3.1 Interest Income 287.22 268.93 313.84 823.84 368.09 803.57 276.48 195.73 384.13 38.86 342.31 420.75 187.45 72.02 442.14 384.75 406.96 342.12 286.01 371.003.2 Interest Expense 163.06 147.31 180.06 490.04 228.47 597.36 203.31 130.03 244.06 5.48 199.65 232.31 126.20 143.20 292.72 286.02 265.20 203.78 191.08 176.00A. Net Interest Income (3.1 - 3.2) 124.16 121.62 133.78 333.80 139.62 206.21 73.17 65.70 140.07 33.38 142.66 188.44 61.25 -71.18 149.42 98.73 141.76 138.34 94.93 195.003.3 Fees, Commission and Discount 17.22 0.45 0.26 12.04 11.58 6.68 0.12 0.78 4.35 1.24 1.63 21.71 3.10 0.53 39.50 0.89 29.89 50.003.4 Other Operating Income 10.67 35.63 19.47 73.50 118.69 77.81 4.45 17.40 34.29 0.98 25.53 10.51 25.93 2.11 11.70 42.32 41.60 33.47 4.23 31.00B. otal Operating Income (A.+3.3+3.4+3. 152.05 157.70 153.51 419.34 269.89 290.70 77.74 83.88 178.71 35.60 169.82 220.66 90.28 -68.54 200.62 141.94 183.36 171.81 129.05 276.003.6 Staff Expenses 26.74 18.56 38.03 50.09 50.49 66.68 20.74 20.29 47.38 5.70 19.47 34.50 20.74 18.94 41.23 27.20 35.39 25.82 31.98 17.003.7 Other Operating Expenses 25.40 21.50 42.01 32.65 68.23 63.44 18.78 19.42 58.51 2.88 22.20 49.12 19.04 15.50 34.62 21.72 31.03 20.64 37.00 42.00

C. Operating Profit Before Provision (B.-3.6-3.7) 99.91 117.64 73.47 336.60 151.17 160.58 38.22 44.17 72.82 27.02 128.15 137.04 50.50 -102.98 124.77 93.02 116.94 125.35 60.07 217.00

3.8 Provision for Possible Losses 91.08 114.36 37.57 40.36 13.20 60.22 43.25 12.48 23.65 51.85 81.72 9.27 15.45 67.75 11.04 8.21 5.13 22.77 37.00D. Operating Profit (C. -3.8) 8.83 3.28 35.90 296.24 137.97 100.36 -5.03 31.69 49.17 27.02 76.30 55.32 41.23 -118.43 57.02 81.98 108.73 120.22 37.30 180.003.9 Non Operating Income / Expenses (Net) 101.57 17.95 89.64 0.03 0.34 51.33 -2.48 80.71 0.10 11.503.10 Write Back of Provision for Possible Loss 16.28 17.14 5.79 5.93 1.01 31.64E. Profit from Regular Activities (D+3.9 8.83 121.13 35.90 296.24 173.06 190.00 -5.00 31.69 49.51 32.81 127.63 52.84 41.23 -112.50 138.74 81.98 108.83 120.22 80.44 180.00

3.11 Extraordinary Income/Expenses (Net) -0.05 1.81 0.61F. rofit before Bonus and Taxes (E. + 3.1 8.83 121.13 35.90 296.24 173.06 189.95 -3.19 31.69 49.51 32.81 128.24 52.84 41.23 -112.50 138.74 81.98 108.83 120.22 80.44 180.00

3.12 Provision for Staff Bonus 26.93 2.88 11.663.13 Provision for Tax 84.83 8.78 36.72G. Net Profit/Loss (F. - 3.12-3.13) 8.83 121.13 35.90 184.48 173.06 189.95 -3.19 20.03 49.51 32.81 79.86 52.84 41.23 -112.50 138.74 81.98 108.83 120.22 80.44 180.004. Ratios ( At the end of this Quarter)4.1 Capital Fund to RWA 18.15% 15.22% 25.54% 16.38% 13.44% 21.80% 16.48% 17.07% 10.13% 71.64% 12.92% 14.82% 11.57% 0.12% 11.13% 11.26% 12.31% 12.82% 12.35% 13.00%4.2 Non Performing Loan (NPL) To Total L 3.28% 7.81% 4.29% 2.28% 5.72% 2.67% 4.03% 4.17% 0.82% 11.32% 2.22% 9.79% 3.98% 8.74% 3.06% 2.65% 1.30% 4.07% 4.63% 0.35%4.3 Total Loan Loss Provision to Total NPL 128.02 112.31 122.30 143.00 124.01 136.46 123.81 214.72 261.98 85.67 152.30 110.11 117.51 108.41 135.48 139.79 176.33 82.11 120.57 388.00

Table No 47

As of Mid-Jan 2008( 2nd Quarter)Unaudited Financial Results of Finance Companies

S. N. Particulars\ Name of Finance Companies

62

HFS

C

YET

I

INV

ESTA

LUM

BIN

I

STA

ND

AR

MA

HA

LAX

BFS

CO

LALI

TPU

R

ILFC

O

UN

ITED

NSM

B

GEN

ERA

L

MER

CH

AN

ALP

IC

NM

BF

N

FCL

PFL

JFC

L

CFC

PFC

O

21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 401. Total Capital and Liabilities (1.1 to 1.7 2318.32 4162.09 928.04 12902.73 19384.02 12672.89 2736.98 12895.10 26467.08 11348.65 9542.30 5739.53 1778.28 9819.69 120556.10 4687.08 12131.80 5814.34 10859.01 5902.73

1.1 Paid Up Capital 480.00 312.50 240.00 600.00 660.00 800.00 350.00 506.25 1200.00 750.00 1000.00 242.00 333.80 779.87 2000.00 395.50 600.00 400.00 720.00 331.201.2 Reserve and Surplus -165.51 173.01 304.36 995.28 336.75 284.51 160.92 986.94 495.10 531.43 -5995.00 122.51 -165.24 95.98 1332.60 123.14 992.86 349.79 368.83 74.941.4 Borrowings 9520.00 1649.48 1512.67 4170.00 3089.71 0.00 937.21 23930.60 75.00 1425.001.5 Deposits (a.+ b.) 1834.14 3309.02 182.13 8639.11 8405.81 9396.54 1926.17 8730.58 18701.88 6191.61 5401.3 4869.75 1551.72 6285.31 18801.74 3702.9 9213.65 4723.46 9261.85 3655.71

a. Domestic Currency 1834.14 3309.02 182.13 8639.11 8405.81 9396.54 1926.17 8730.58 18701.88 6191.61 5401.30 4869.75 1551.72 6285.31 18801.74 3702.90 9213.65 4723.46 9261.85 3655.711.6 Income Tax Liability 7.26 -4.41 0.00 0.00 0.30 58.001.7 Other Liabilities 162.43 371.97 201.55 2668.34 461.46 542.36 299.89 1158.66 1900.10 785.90 9136.00 505.27 57.70 1721.32 74491.16 390.54 1267.29 341.09 508.33 415.882. Total Assets (2.1 to 2.7) 2318.32 4162.09 928.04 12902.73 19384.02 12672.89 2736.98 12895.10 26467.10 11348.65 9542.30 5739.53 1778.28 9819.69 120556.10 4687.08 12131.80 5814.34 10859.01 5902.73

2.1 Cash and Bank Balance 253.41 625.90 66.59 880.37 548.86 1687.68 359.57 728.94 1485.20 266.08 188.00 1037.21 531.13 643.86 1081.72 287.86 9.81 139.45 1907.16 256.592.2 Money at Call and Short Notice 195.40 569.99 0.00 291.43 0.00 82482.15 736.81 389.892.3 Investments 115.44 4.74 1108.23 588.93 1485.27 284.85 1278.37 2216.80 328.60 254.30 0.27 625.85 16156.42 864.07 2772.86 130.00 350.98 430.802.4 Loans and Advances 1485.50 3061.19 841.42 9465.98 16572.05 9099.42 1870.94 10348.70 19829.30 9845.93 6131.40 4305.74 1174.16 7494.47 18192.30 3250.36 8147.86 5127.56 8457.67 4971.712.5 Fixed Assets 160.89 55.93 2.88 37.44 714.07 157.75 13.05 58.89 2121.60 157.42 340.00 20.87 6.90 149.32 918.76 105.32 14.28 11.35 59.50 42.852.6 Non Banking Assets 11.33 65.28 154.75 42.56 33.01 17.22 0.00 49.38 139.00 25.87 18.13 248.56 2.59 30.11 0.21 28.282.7 Other Assets 291.75 153.65 17.15 1255.96 390.12 200.21 175.56 462.98 814.20 409.81 2489.60 349.57 47.96 657.63 1722.16 179.47 420.07 15.88 83.70 172.50

3. Profit and Loss Account (up to this Quarter) 0.00 0.00

3.1 Interest Income 68.96 187.46 85.68 411.44 535.51 578.71 147.22 618.71 813.50 518.97 165.10 205.88 92.15 406.91 1166.68 164.41 522.28 309.14 144.14 189.773.2 Interest Expense 36.80 139.81 12.63 214.33 359.60 389.33 58.58 364.01 556.70 270.96 214.40 200.37 59.31 331.36 757.13 107.60 304.83 199.34 259.56 128.82A. Net Interest Income (3.1 - 3.2) 32.16 47.65 73.05 197.11 175.91 189.38 88.64 254.70 256.80 248.01 -49.30 5.51 32.84 75.55 409.55 56.81 217.45 109.80 -115.42 60.953.3 Fees, Commission and Discount 3.26 49.89 13.12 11.07 1.47 5.10 86.70 80.39 0.00 2.82 0.77 0.13 48.61 0.53 33.75 13.07 3.84 0.213.4 Other Operating Income 1.70 9.78 14.64 0.29 41.73 24.74 7.82 83.81 0.00 44.83 12.60 18.43 4.00 20.51 276.00 10.96 18.06 43.61 21.44B. otal Operating Income (A.+3.3+3.4+3. 33.86 60.69 87.69 247.29 230.76 225.19 97.93 343.61 343.50 373.23 -36.70 26.76 37.61 96.19 734.16 68.30 251.20 140.93 -67.97 82.603.6 Staff Expenses 9.00 21.34 12.45 24.72 29.60 51.46 15.86 32.10 63.90 57.25 38.00 26.69 13.05 18.92 77.89 14.09 18.10 15.56 19.44 20.853.7 Other Operating Expenses 9.64 15.72 7.57 24.26 36.27 35.29 37.61 27.89 54.88 85.33 25.30 20.93 14.48 31.55 96.04 10.78 14.47 14.44 15.82 34.51

C. Operating Profit Before Provision (B.-3.6-3.7) 15.22 23.63 67.67 198.31 164.89 138.44 44.46 283.62 224.72 230.65 -100.00 -20.86 10.08 45.72 560.23 43.43 218.63 110.93 -103.23 27.24

3.8 Provision for Possible Losses 10.71 1.04 40.35 144.92 94.61 19.24 51.60 63.70 397.50 41.43 18.44 84.13 14.91 16.10 0.00 36.47 -18.99D. Operating Profit (C. -3.8) 4.51 22.59 67.67 157.96 19.97 43.83 25.22 283.62 173.12 166.95 -497.50 -20.86 -31.35 27.28 476.10 28.52 202.53 110.93 -139.70 46.233.9 Non Operating Income / Expenses (Net) 4.07 3.36 10.90 6.71 1.00 85.40 6.973.10 Write Back of Provision for Possible Loss 14.89 7.56 0.00 3.55 0.00 37.70 7.17 18.73 14.48E. Profit from Regular Activities (D+3.9 8.58 25.95 67.67 172.85 30.87 50.54 32.78 283.62 174.12 170.50 -412.10 -20.86 6.35 27.28 483.27 47.25 202.53 125.41 -132.73 46.23

3.11 Extraordinary Income/Expenses (Net) 0.57 110.00 -2.81 0.00 -2.10 0.00F. rofit before Bonus and Taxes (E. + 3.1 8.58 26.52 67.67 282.85 28.06 50.54 32.78 283.62 174.12 168.40 -412.10 -20.86 6.35 27.28 483.27 47.25 202.53 125.41 -132.73 46.23

3.12 Provision for Staff Bonus 25.71 0.00 0.00 43.93 18.413.13 Provision for Tax 81.00 0.00 0.00 138.39 58.00G. Net Profit/Loss (F. - 3.12-3.13) 8.58 26.52 67.67 176.14 28.06 50.54 32.78 283.62 174.12 168.40 -412.10 -20.86 6.35 27.28 300.95 47.25 126.12 125.41 -132.73 46.234. Ratios ( At the end of this Quarter) 0.00

4.1 Capital Fund to RWA 19.63% 15.15% 82.00% 15.94% 12.05% 11.12% 18.66% 11.37% 11.31% 11.39% -49.53% 8.51% 11.68% 13.89% 11.37% 12.60% 15.99% 13.01% 12.40% 9.01%4.2 Non Performing Loan (NPL) To Total L 2.64% 3.27% 6.00% 9.47% 1.16% 2.30% 5.19% 4.19% 2.28% 1.40% 89.19% 2.69% 19.40% 4.88% 1.57% 2.00% 4.37% 7.96% 1.01% 9.10%4.3 Total Loan Loss Provision to Total NPL 167.83 136.67 25.00 107.11 184.02 144.36 120.25 111.63 142.77 168.36 99.15 121.00 66.74 95.26 219.36 150.35 135.00 95.00 204.74 208.70


63

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41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 601. Total Capital and Liabilities (1.1 to 1. 622.42 577.90 8674.00 2840.70 704.78 8703.19 6489.24 11286.94 17529.32 7564.12 7735.83 5458.70 5023.96 25212.00 8139.25 2442.62 12205.32 4620.43 13219.79 1860.40

1.1 Paid Up Capital 110.00 30.00 632.50 300.00 140.00 700.00 750.51 600.00 1610.00 490.00 582.00 616.00 500.00 2000.00 700.00 200.00 726.00 500.00 749.35 360.001.2 Reserve and Surplus -405.02 15.20 206.55 -6.10 25.70 351.73 178.83 559.00 583.00 168.14 265.71 154.50 4.22 457.00 208.07 31.94 105.81 191.96 380.62 -14.001.4 Borrowings 435.10 0.00 200.00 183.00 472.51 1028.52 705.82 169.78 3789.00 4350.00 100.00 5144.92 310.001.5 Deposits (a.+ b.) 613.81 389.7 6451.58 2491.8 450 6962.64 4287.02 9057.31 12799.4 5953.18 5988.63 4132.65 3935.37 18016 6880.59 1986.19 6606.83 3590.38 6455.49 1180

a. Domestic Currency 613.81 389.70 6451.58 2491.80 450.00 6962.64 4287.02 9057.31 12799.40 5953.18 5988.63 4132.65 3935.37 18016.00 6880.59 1986.19 6606.83 3590.38 6455.49 1180.001.6 Income Tax Liability 0.00 27.18 -7.94 130.33 0.27 47.88 120.00 6.55 4.401.7 Other Liabilities 303.63 143.00 948.27 55.00 61.90 496.76 959.55 597.85 1508.40 904.92 193.67 385.77 584.37 830.00 344.04 224.49 416.68 238.09 489.41 20.002. Total Assets (2.1 to 2.7) 622.42 577.90 8674.00 2840.70 704.78 8703.19 6489.24 11286.94 17529.32 7564.12 7735.83 5458.70 5023.96 25212.00 8139.25 2442.62 12205.32 4620.43 13219.79 1860.40

2.1 Cash and Bank Balance 73.55 19.60 1077.53 63.30 144.70 168.86 766.53 1901.56 1125.09 908.38 1125.26 136.95 159.76 4674.00 202.22 500.58 1819.73 502.14 3048.31 269.602.2 Money at Call and Short Notice 741.60 264.82 374.32 606.42 0.002.3 Investments 0.30 1253.25 50.00 10.30 255.77 453.63 1566.77 857.32 522.00 999.77 295.68 770.27 3093.00 5.50 100.00 450.00 850.00 1310.00 0.002.4 Loans and Advances 433.30 461.00 5689.32 1909.70 435.49 7456.58 4616.30 7351.61 14277.41 4612.20 5466.22 4585.21 3572.18 15664.00 7282.81 1777.84 9583.10 3004.09 8293.03 1509.002.5 Fixed Assets 3.76 27.37 124.32 46.20 3.70 272.67 28.58 70.46 908.78 1088.99 59.99 17.30 14.54 849.00 17.40 4.16 80.69 44.12 58.38 50.702.6 Non Banking Assets 56.31 8.83 20.53 0.00 44.80 17.20 10.91 147.75 12.16 0.002.7 Other Assets 55.50 60.80 509.05 29.90 65.79 284.49 624.20 379.34 360.72 432.55 73.68 49.24 359.46 932.00 24.90 60.04 259.64 220.08 510.07 31.10

3. Profit and Loss Account (up to this Quarter) 0.00

3.1 Interest Income 20.28 28.00 787.82 53.00 36.90 396.52 641.37 528.71 763.58 291.66 394.64 272.96 202.83 917.00 415.14 226.94 388.13 237.31 521.88 144.303.2 Interest Expense 62.28 23.40 532.03 37.30 18.80 279.92 328.15 366.35 481.86 224.38 242.81 145.14 155.10 550.00 233.33 142.14 231.26 143.90 321.01 76.00A. Net Interest Income (3.1 - 3.2) -42.00 4.60 255.79 15.70 18.10 116.60 313.22 162.36 281.72 67.28 151.83 127.82 47.73 367.00 181.81 84.80 156.87 93.41 200.87 68.303.3 Fees, Commission and Discount 2.23 0.20 23.52 24.40 1.80 0.89 5.82 49.09 0.28 0.48 1.82 0.86 0.11 6.00 0.83 23.21 14.25 64.24 0.003.4 Other Operating Income 9.39 0.80 36.77 0.00 6.90 48.29 39.82 1.90 36.89 77.77 23.51 25.45 10.92 185.00 46.54 31.75 44.56 12.32 1.64 82.60B. otal Operating Income (A.+3.3+3.4+3. -30.38 5.60 316.08 40.10 26.80 165.78 358.86 213.35 318.89 145.53 177.16 154.13 58.76 558.00 229.18 116.55 224.64 119.98 266.75 150.903.6 Staff Expenses 9.27 3.40 53.17 10.50 5.70 12.95 49.16 30.32 27.08 16.83 27.94 11.22 12.66 59.00 12.52 10.65 28.64 16.55 36.67 57.303.7 Other Operating Expenses 10.44 2.70 99.72 15.90 5.00 16.81 91.41 45.88 21.01 33.26 30.45 14.60 17.22 162.00 16.55 16.63 44.72 18.76 35.38 84.20

C. Operating Profit Before Provision (B.-3.6-3.7) -50.09 -0.50 163.19 13.70 16.10 136.02 218.29 137.15 270.80 95.44 118.77 128.31 28.88 337.00 200.11 89.27 151.28 84.67 194.70 9.40

3.8 Provision for Possible Losses 9.40 23.67 23.67 10.60 31.08 114.23 28.95 29.71 48.22 7.32 25.00 5.85 71.00 30.50 47.80 58.54 16.43 81.59 151.00D. Operating Profit (C. -3.8) -50.09 -9.90 139.52 -9.97 5.50 104.94 104.06 108.20 241.09 47.22 111.45 103.31 23.03 266.00 169.61 41.47 92.74 68.24 113.11 -141.603.9 Non Operating Income / Expenses (Net) 0.06 4.99 3.89 3.35 0.00

3.10 Write Back of Provision for Possible Loss 0.00 0.00E. Profit from Regular Activities (D+3.9 -50.09 -9.90 139.52 -9.97 5.50 105.00 104.06 108.20 246.08 47.22 115.34 106.66 23.03 266.00 169.61 41.47 92.74 68.24 113.11 -141.60

3.11 Extraordinary Income/Expenses (Net) -2.34 -2.34 0.00F. rofit before Bonus and Taxes (E. + 3.1 -50.09 -9.90 137.18 -12.31 5.50 105.00 104.06 108.20 246.08 47.22 115.34 106.66 23.03 266.00 169.61 41.47 92.74 68.24 113.11 -141.60

3.12 Provision for Staff Bonus 0.00 12.47 12.47 9.54 12.47 10.49 24.00 15.42 8.43 0.003.13 Provision for Tax 0.00 36.79 36.79 30.06 33.12 33.03 76.00 48.57 26.56 0.00G. Net Profit/Loss (F. - 3.12-3.13) -50.09 -9.90 87.92 -61.57 5.50 65.40 58.47 108.20 246.08 47.22 71.82 106.66 23.03 166.00 105.62 41.47 57.75 68.24 113.11 -141.604. Ratios ( At the end of this Quarter)4.1 Capital Fund to RWA -0.52% 9.00% 14.58% 14.58% 29.40% 13.66% 13.51% 14.15% 11.04% 12.93% 12.55% 16.65% 13.00% 12.57% 13.56% 13.34% 9.35% 0.21% 12.25% 21.00%4.2 Non Performing Loan (NPL) To Total L67.82% 12.00% 2.77% 2.77% 8.00% 1.00% 4.85% 1.99% 1.26% 5.78% 3.84% 3.03% 3.07% 7.10% 4.90% 5.63% 0.51% 1.13% 1.29%4.3 Total Loan Loss Provision to Total NPL 92.10% 65.00 138.74% 138.74% 37.20% 198.00 262.60% 204.00 297.37 104.14 130.77 138.43 119.74 2.71 446.19 117.00% 195.00 206.20 177.04

S. N.Particulars\ Name of Finance

Companies

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61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 791. Total Capital and Liabilities (1.1 to 1.7 4724.68 2677.56 3866.38 12836.75 6177.26 4678.31 1543.60 1377.55 562.30 2434.48 9541.79 2546.02 922.57 300.80 1011.00 1869.73 1308.67 1854.60 1065.10 690,963

1.1 Paid Up Capital 300.00 300.00 500.00 1120.00 500.00 275.00 500.00 275.00 51.00 315.00 577.50 516.00 140.00 51.00 300.00 300.00 700.00 700.00 318.00 48,852 1.2 Reserve and Surplus 136.29 25.82 71.51 -210.84 45.60 4.15 4.64 38.78 -14.10 15.38 146.87 11.54 -1.82 -12.80 -15.00 -101.64 2.46 -34.60 -11.80 12,747 1.4 Borrowings 200.00 4754.49 800.00 199.06 100.00 2152.04 0.00 25.00 850.00 150.00 100.00 704.00 84,856 1.5 Deposits (a.+ b.) 3907.39 2218.17 3161.26 6773.56 4657.06 3960.26 992.96 1038.96 476.4 1973 6551.56 2009.84 777.79 250.3 688 711.42 439.19 1032.8 41.4 417,224

a. Domestic Currency 3907.39 2218.17 3161.26 6773.56 4657.06 3960.26 992.96 1038.96 476.40 1973.00 6551.56 2009.84 777.79 250.30 688.00 711.42 439.19 1032.80 41.40 417,224 1.6 Income Tax Liability 1.87 0.00 5.60 0.00 0.00 0.00 0.00 1,068 1.7 Other Liabilities 179.13 133.57 133.61 399.54 174.60 239.84 46.00 24.81 49.00 25.50 113.82 8.64 6.60 12.30 13.00 109.95 17.02 56.40 13.50 126,216 2. Total Assets (2.1 to 2.7) 4724.68 2677.56 3866.38 12836.75 6177.26 4678.31 1543.60 1377.55 562.30 2434.48 9541.79 2546.02 922.57 300.80 1011.00 1869.73 1308.67 1854.60 1065.10 685,910

2.1 Cash and Bank Balance 53.19 405.71 676.53 1010.56 1436.38 716.27 290.90 195.99 51.20 53.86 2248.06 738.45 32.81 116.80 496.00 164.08 92.62 131.40 93.00 49,560 2.2 Money at Call and Short Notice 577.29 31.92 416.63 0.00 0.00 306.25 0.00 0.00 93,965 2.3 Investments 71.11 625.00 38.37 150.00 350.00 146.00 241.75 160.50 700.00 200.00 442.08 0.00 17.00 50.00 0.00 0.00 54,251 2.4 Loans and Advances 3932.07 2167.17 2467.48 10544.70 4346.19 3388.10 1035.47 903.23 464.00 2056.20 6425.32 1558.63 19.48 177.70 433.00 1557.62 855.04 1647.00 923.00 442,771 2.5 Fixed Assets 40.37 21.47 22.75 733.70 161.62 43.16 22.51 14.09 5.90 24.36 38.04 37.79 5.00 23.00 60.43 45.02 33.00 20.90 17,653 2.6 Non Banking Assets 0.00 0.00 0.00 0.00 2,691 2.7 Other Assets 50.65 83.21 74.62 509.42 83.07 180.78 48.72 22.49 41.20 139.56 98.45 11.15 11.57 1.30 42.00 37.60 9.74 43.20 28.20 25,019

3. Profit and Loss Account (up to this Quarter)

3.1 Interest Income 231.32 92.42 148.91 228.79 213.78 197.35 63.41 57.43 22.80 100.72 383.92 78.56 21.66 3.50 20.00 24.74 16.35 2.20 3.40 23,529 3.2 Interest Expense 146.10 80.56 89.01 234.28 162.03 159.40 30.77 26.68 12.60 63.95 248.74 47.84 11.73 2.70 13.00 6.70 1.94 12.30 0.20 15,417 A. Net Interest Income (3.1 - 3.2) 85.22 11.86 59.90 -5.49 51.75 37.95 32.64 30.75 10.20 36.77 135.18 30.72 9.93 0.80 7.00 18.04 14.41 -10.10 3.20 8,113 3.3 Fees, Commission and Discount 0.77 11.28 0.51 68.24 3.44 1.15 2.68 8.65 1.40 12.65 8.51 21.04 0.53 1.40 2.00 0.05 0.18 0.00 921 3.4 Other Operating Income 33.08 2.41 19.81 11.69 16.93 28.73 3.84 3.73 0.90 8.10 43.39 5.44 2.00 7.00 7.74 8.44 16.30 1.30 2,220 B. otal Operating Income (A.+3.3+3.4+3. 119.07 25.55 80.22 74.46 72.12 67.83 39.16 43.13 12.50 57.52 187.08 51.76 15.90 4.20 16.00 25.78 22.90 6.38 4.50 11253.673.6 Staff Expenses 18.38 9.82 10.19 53.90 11.76 13.00 10.29 12.82 5.70 7.92 21.27 8.98 5.66 2.10 8.00 8.05 3.88 9.40 3.50 1,913 3.7 Other Operating Expenses 18.04 10.56 9.63 75.77 8.38 15.16 13.65 7.76 2.90 11.60 19.30 12.14 5.41 2.60 19.00 17.19 8.01 14.60 3.60 2,316

C. Operating Profit Before Provision (B.-3.6-3.7) 82.65 5.17 60.40 -55.21 51.98 39.67 15.22 22.55 3.90 38.00 146.51 30.64 4.83 -0.50 -11.00 -11.00 11.01 -17.62 -2.60 7,012

3.8 Provision for Possible Losses 15.85 11.52 29.02 113.01 12.35 95.04 17.19 2.95 1.10 0.00 15.99 7.88 0.71 1.80 4.00 102.18 8.55 17.00 9.20 3,042 D. Operating Profit (C. -3.8) 66.80 -6.35 31.38 -168.22 39.63 -55.37 -1.97 19.60 2.80 38.00 130.52 22.76 4.12 -2.30 -15.00 -113.18 2.46 -34.62 -11.80 3,970 3.9 Non Operating Income / Expenses (Net) 0.00 0.00 0.00 481

3.10 Write Back of Provision for Possible Lo 10.34 14.96 0.00 0.00 0.00 207 E. Profit from Regular Activities (D+3.9 77.14 8.61 31.38 -168.22 39.63 -55.37 -1.97 19.60 2.80 38.00 130.52 22.76 4.12 -2.30 -15.00 -113.18 2.46 -34.62 -11.80 4,658

3.11 Extraordinary Income/Expenses (Net) 103 F. rofit before Bonus and Taxes (E. + 3.1 77.14 8.61 31.38 -168.22 39.63 -55.37 -1.97 19.60 2.80 38.00 130.52 22.76 4.12 -2.30 -15.00 -113.18 2.46 -34.62 -11.80 4,762

3.12 Provision for Staff Bonus 0.00 0.00 0.00 0.00 235 3.13 Provision for Tax 0.00 0.00 0.00 0.00 729 G. Net Profit/Loss (F. - 3.12-3.13) 77.14 8.61 31.38 -168.22 39.63 -55.37 -1.97 19.60 2.80 38.00 130.52 22.76 4.12 -2.30 -15.00 -113.18 2.46 -34.62 -11.80 3,798 4. Ratios ( At the end of this Quarter)4.1 Capital Fund to RWA 9.00% 11.31% 13.80% 17.95% 23.00% 10.88% 9.17% 38.93% 30.49% 64.64% 14.64% 11.25% 27.91% 24.84% 25.25% 17.40% 17.40% 37.86% 31.93% 47.854.2 Non Performing Loan (NPL) To Total Loan 2.02% 0.37% 1.50% 0.29% 0.06% 0.34% 0.27% 2.04% 2.04% 0.15% 0.00% 0.00% 4.394.3 Total Loan Loss Provision to Total NPL 87.85 291.25 87.98 485.97 1862.17 709.67 463.47 0.00 7.82 0.00 0.00 116.28


65

(Rs. in Lakh

2001 2002 2003 2004 2005 2006 2007 2007 20081 CAPITAL FUND 3075.25 3080.91 3032.38 3172.68 3039.18 3163 3384 2748 3025 a. Paid-up Capital 2985 2985 2985 2985 2985 2985 2985 2985 2985 b. General Reserves 26.25 27.14 24.51 17.87 30.43 167 218 -215 40

c. Share Premiumd. Retained Earning 4 -29e. Others Reserves 64 68.77 22.87 169.81 23.75 7 181 7 0

1. Ex.Eq.Fund 2. Other 7 181

2 BORROWINGS 10706.4 11810 13248.7 14719.6 16758.5 23037 27806 28650 29015 a. NRB 100 322.93 394.39 0 0 280 976 751 264

b. "A"Class Licensed Institution 9396 8079 13636 0c. Foreign Banks and Fin. Ins. 0 0 0d. Other Financial Ins. 10606.4 11487 12854.3 0 0 13361 18751 14263 28751e. Bonds and Securities 0

3 DEPOSITS 2833.6 3410.72 4515.56 4736.16 4397.96 4998 5179 4382 5471a. Current 0 0 29 Domestic 0 29 Foreign 0 0b. Savings 4788 5136 4382 5442 Domestic 4788 5136 4382 5442 Foreign 0 0c. Fixed 0 15 0 Domestic 0 0 0 0 0 15 0 0 Foreign 0 0d. Call Deposits 0 0e. Others 210 28 0

4 Bills Payable 0 06 Other Liabilities 3297.52 1975.14 2274.57 2853.87 4032.27 3766 3148 4580 2746

1. Sundry Creditors 9 10 26 2. Loan Loss Provision 343 771 865 3. Interest Suspense a/c 183 216 652 4. Others 3297.52 1975.14 2274.57 2853.87 4032.27 3231 2151 4580 1203

7 Reconcillation A/c 798 63 811 8998 Profit & Loss A/c 54.08 -1209.76 -1016.99 -1854.31 224.12 431 75 118 15

19966.9 19067 22054.2 23628 28452 36193 39655 41289 411711 LIQUID FUNDS 1217.39 1667.59 2113.17 2570.76 2943.74 3002 1975 2902 1940

a. Cash Balance 144.64 177.89 197.35 111.96 108.53 167 181 97 189 Nepalese Notes & Coins 167 181 97 189 Foreign Currency 0b. Bank Balance 1072.75 1489.7 1915.82 2458.8 2835.21 1389 1508 1359 1739 1. In Nepal Rastra Bank 18.64 167.26 17.57 66.32 834.89 109 144 57 65 Domestic Currency 109 144 65 Foreign Currency 0 2. "A"Class Licensed Institution 1054.11 1322.44 1898.25 1271.62 1847.15 1113 957 1228 1090 Domestic Currency 1113 802 1228 1090 Foreign Currency 3. Other Financial Ins. 1120.86 153.17 167 407 74 584 4. in Foreign banksC.Money at Call 1446 286 1446 12 Domestic Currency 1446 286 1446 12 Foreign Currency

2 INVESTMENT IN SECURITIES 75 75 75 0 0 0 0 0a. Govt.Securities 75 75 75 0 0 0b. NRB Bond 0c. Govt.Non-Fin. Ins. 0d. Other Non-Fin Ins. 0e Non Residents 0

3 SHARE & OTHER INVESTMENT 3806.45 4586.45 5298.83 5798.83 6605.71 11486 15418 17440 15959 1.1 Non Residents 0 15959 2.Others 3806.45 4586.45 5298.83 5798.83 6605.71 11486 15418 17440 0

4 LOANS & ADVANCES 10002.8 11458.9 13090.8 13584.1 14660.2 16165 17710 15316 18456a. Govt. Entp. i. Financial 0 0 0 0 0 0 0 ii. Non-Finan. 0b. Pvt. Sector 10002.8 11458.9 13090.8 13584.1 14660.2 16165 17710 15316 18456

5 BILL PURCHED a. Domestic Bills Purchased b. Foreign Bills Purchased 0 0 0 0 0 0 c. Import Bills & Imports

6 LOANS AGAINST COLLECTED BILLS a. Against Domestic Bills b. Against Foreign Bills

8 FIXED ASSETS 138 149 174 1599 OTHER ASSETS 3236.26 1279.08 1476.39 1674.34 2207.74 2461 1909 2921 2006

a. Accrued Interests 0 0 0 0 0 0 291 26 0 Govt. Entp. 0 0 Private Sector 0 291 626 0 c. Sundry Debtors 0 21 15 99 d. Cash In Transit 0 29 2254 21 e. Others 3236.26 1279.08 1476.39 1674.34 2207.74 2461 1568 626 1886

10 Expenses not Written off 0 0 011 Non Banking Assets 012 Reconcillation Account 731 764 87613 Profit & Loss A/c 1628.66 0 0 0 2034.57 2210 2494 1772 1775

19966.6 19067 22054.2 23628 28452 36193 39655 41289 41171

TOTAL LIABILITIES

TOTAL ASSETS

SOURCES AND USES Mid- July

Table No. 49SOURCES AND USES OF FUNDS OF RURAL DEVELOPMENT BANKS

(AGGREGATE)

Mid-Jan

67

Mid-Jan 2008 (Rs. In Lakh)PUGBB MGBB PAGBB MPGBB SPGBB

1 2 3 4 5

1 CAPITAL FUND 777.0 632.0 706.0 311.0 599.0 3025.0 a. Paid-up Capital 600.0 600.0 600.0 600.0 585.0 2985.0 b. General Reserves 177.0 32.0 106.0 -289.0 14.0 40.0

c. Share Premium 0.0 0.0 0.0 0.0d. Retained Earning 0.0 0.0 0.0 0.0 0.0 0.0e. Others Reserves 0.0 0.0 0.0 0.0 0.0

1. Ex.Eq.Fund 0.0 0.0 0.0 0.0 0.0 2. Other 0.0 0.0 0.0 0.0 0.0 0.0

0.02 BORROWINGS 5024.0 6664.0 3847.0 8518.0 4962.0 29015.0 a. NRB 0.0 0.0 0.0 0.0 264.0 264.0

b. "A"Class Licensed Institution 0.0 0.0 0.0 0.0 0.0 0.0c. Foreign Banks and Fin. Ins. 0.0 0.0 0.0 0.0 0.0d. Other Financial Ins. 5024.0 6664.0 3847.0 8518.0 4698.0 28751.0e. Bonds and Securities 0.0

0.03 DEPOSITS 1796.0 1339.0 1163.0 778.0 395.0 5471.0

a. Current 0.0 0.0 29.0 0.0 0.0 29.0 Domestic 0.0 29.0 0.0 0.0 29.0 Foreign 0.0 0.0 0.0 0.0 0.0 0.0b. Savings 1796.0 1339.0 1134.0 778.0 395.0 5442.0 Domestic 1796.0 1339.0 1134.0 778.0 395.0 5442.0 Foreign 0.0 0.0 0.0 0.0 0.0 0.0c. Fixed 0.0 0.0 0.0 0.0 0.0 0.0 Domestic 0.0 0.0 0.0 0.0 0.0 0.0 Foreign 0.0 0.0 0.0 0.0 0.0 0.0d. Call Deposits 0.0 0.0 0.0 0.0 0.0 0.0e. Others 0.0 0.0 0.0 0.0 0.0 0.0

4 Bills Payable 0.0 0.0 0.0 0.0 0.0 0.06 Other Liabilities 231.0 716.0 254.0 234.0 1311.0 2746.0

1. Sundry Creditors 0.0 0.0 16.0 0.0 10.0 26.0 2. Loan Loss Provision 0.0 520.0 0.0 0.0 345.0 865.0 3. Interest Suspense a/c 0.0 0.0 0.0 0.0 652.0 652.0 4. Others 231.0 196.0 238.0 234.0 304.0 1203.0

0.0 0.0 0.07 Reconcillation A/c 0.0 0.0 0.0 0.0 899.0 899.08 Profit & Loss A/c 0.0 0.0 0.0 0.0 15.0 15.0

7828.0 9351.0 5970.0 9841.0 8181.0 41171.00.0

1 LIQUID FUNDS 425.0 548.0 481.0 287.0 199.0 1940.0a. Cash Balance 39.0 61.0 48.0 28.0 13.0 189.0 Nepalese Notes & Coins 39.0 61.0 48.0 28.0 13.0 189.0 Foreign Currency 0.0 0.0 0.0 0.0 0.0 0.0b. Bank Balance 386.0 487.0 433.0 247.0 186.0 1739.0 1. In Nepal Rastra Bank 38.0 0.0 2.0 25.0 0.0 65.0 Domestic Currency 38.0 0.0 2.0 25.0 0.0 65.0 Foreign Currency 0.0 0.0 0.0 0.0 0.0 0.0 2. "A"Class Licensed Institution 348.0 487.0 0.0 222.0 33.0 1090.0 Domestic Currency 348.0 487.0 0.0 222.0 33.0 1090.0 Foreign Currency 0.0 0.0 0.0 0.0 0.0 3. Other Financial Ins. 0.0 0.0 431.0 0.0 153.0 584.0 4. in Foreign banks 0.0 0.0 0.0 0.0 0.0 0.0C.Money at Call 0 0 0 12 0 12.0 Domestic Currency 0.0 0.0 12.0 0.0 12.0 Foreign Currency 0.0 0.0 0.0 0.0 0.0

2 INVESTMENT IN SECURITIES 0 0 0 0 0 0.0a. Govt.Securities 0.0 0.0 0.0 0.0 0.0 0.0b. NRB Bond 0.0 0.0 0.0 0.0 0.0c. Govt.Non-Fin. Ins. 0.0 0.0 0.0 0.0d. Other Non-Fin Ins. 0.0 0.0 0.0 0.0e Non Residents 0.0 0.0 0.0

3 SHARE & OTHER INVESTMENT 8.0 4175.0 963.0 7280.0 3533.0 15959.0 1.1 Non Residents 0.0 0.0 0.0 0.0 2.Others 8.0 4175.0 963.0 7280.0 3533.0 15959.0

4 LOANS & ADVANCES 7178.0 3835.0 4100.0 1857.0 1486.0 18456.0a. Govt. Entp. 0 0 0 0 0 0.0b. Financial Institutions 0.0 0.0 0.0 0.0 0.0 0.0c. Pvt. Sector 7178.0 3835.0 4100.0 1857.0 1486.0 18456.0

0.05 BILL PURCHED 0 0 0 0 0 0.0

a. Domestic Bills Purchased 0.0 0.0 0.0 0.0 0.0 0.0 b. Foreign Bills Purchased 0.0 0.0 0.0 0.0 0.0 0.0 c. Import Bills & Imports 0.0 0.0 0.0 0.0 0.0

6 LOANS AGAINST COLLECTED BI 0 0 0 0 0 0.0 a. Against Domestic Bills 0.0 0.0 0.0 0.0 0.0 0.0 b. Against Foreign Bills 0.0 0.0 0.0 0.0 0.0 0.0

8 FIXED ASSETS 28.0 15.0 43.0 44.0 29.0 159.09 OTHER ASSETS 189.0 168.0 383.0 373.0 893.0 2006.0

a. Accrued Interests 0 0 0 0 0 0.0 Govt. Entp. 0.0 0.0 0.0 0.0 0.0 0.0 Private Sector 0.0 0.0 0.0 0.0 0.0 0.0 b. Sundry Debtors 0.0 0.0 96.0 0.0 3.0 99.0 c. Cash In Transit 0.0 0.0 0.0 0.0 21.0 21.0 d. Others 189.0 168.0 287.0 373.0 869.0 1886.0

10 Expenses not Written off 0.0 0.0 0.0 0.0 0.011 Non Banking Assets 0.0 0.0 0.0 0.0 0.0 0.012 Reconcillation Account 0.0 0.0 0.0 0.0 876.0 876.013 Profit & Loss A/c 0.0 610.0 0.0 0.0 1165.0 1775.0

7828.0 9351.0 5970.0 9841.0 8181.0 41171.00.0 0.0 0.0 0.0 0.0 0.0

PUGBB = Purbanchal Grameen Bikash Bank.

MGBB = Madhyamanchal Grameen Bikash Bank.

PAGBB = Paschimanchal Grameen Bikash Bank.

MPGBB = Madhya Paschimanchal Grameen Bikash Bank.

SPGBB = Sudur Pashimanchal Grameen Bikash Bank.

TOTAL LIABILITIES

TOTAL ASSETS

Table No 50 Sources & Uses of Fund Rural Development Banks

TOTAL

68

(Rs. in Lakh)

2004 2005 2006 2007 2007 20081 CAPITAL FUND 3504.32 4358.42 5141 7801 6929 8116 a. Paid-up Capital 2222.87 2497.46 2724 4772.0 3989.0 5055.0 b. General Reserves 109.72 1001.13 1108 408.0 1428.0 486.0

c. Share Premium 0.0 0.0 0.0d. Retained Earning 125.96 409 512.0 633.0 507.0e. Others Reserves 1045.77 859.83 900 2109.0 879.0 2068.0

1. Ex.Eq.Fund 0.0 0.0 0.0 2. Other 900 2109.0 879.0 2068.0

2 BORROWINGS 12987.47 17265.85 30212 41636 36304 46616 a. NRB 198.54 102.6 97 486.0 292.0 498.0

b. "A"Class Licensed Institution 6068.78 6713.97 11496 25574.0 11603.0 27643.0c. Foreign Banks and Fin. Ins. 7909 12554.0 11335.0 13026.0d. Other Financial Ins. 6720.15 10449.28 10710 3022.0 13074.0 5449.0e. Bonds and Securities 0.0 0.0 0.0

3 DEPOSITS 2258.14 3090.46 4327 5852 4875 7735a. Current 0 0 0 0 Domestic 0 0 0 Foreign 0 0 0b. Savings 4327 5852.0 4875.0 7735.0 Domestic 4327 5852.0 4875.0 7735.0 Foreign 0 0 0c. Fixed 0 0 0 0 Domestic 0 0 0 0 0 Foreign 0 0 0d. Call Deposits 0 0 0e. Others 2258.14 0 0 0

4 Bills Payable 780 0 0 06 Other Liabilities 6875.91 9153.2 3194 7019 5177 8738

1. Sundry Creditors 82.53 83.64 574 165.0 475.0 1638.0 2. Loan Loss Provision 801 1687.0 1048.0 1983.0 3. Interest Suspense a/c 127 421.0 73.0 108.0 4. Others 6793.38 9069.56 1692 4746.0 3581.0 5009.0

7 Reconcillation A/c 1361 193.0 2048.0 6819.08 Profit & Loss A/c 382.52 680.93 766 658.0 382.0 794.0

26008.36 34548.86 45781 63159 55715 788181 LIQUID FUNDS 3638.17 3595.28 10216 15753 12542 6817

a. Cash Balance 34.71 31.26 30 42 38 49 Nepalese Notes & Coins 30 42 38 49 Foreign Currency 0 0 0b. Bank Balance 3603.46 3564.02 9539 14960 11596 6442 1. In Nepal Rastra Bank 525.96 1069.43 1252 550 544 627 Domestic Currency 515 270 152 271 Foreign Currency 737 280 392 346 2. "A"Class Licensed Institution 2588.5 2438.29 7359 10085 9740 4645 Domestic Currency 7359 10085 9740 4645 Foreign Currency 0 0 0 3. Other Financial Ins. 489 56.3 928 4325 1312 1170 4. in Foreign banks 0 0 0C.Money at Call 647 751 908 326 Domestic Currency 647 751 908 326 Foreign Currency 0 0 0

2 INVESTMENT IN SECURITIES 6508.82 1625 2700 570 2900 512a. Govt.Securities 1625 1625 1625 570 1625 512b. NRB Bond 0.3c. Govt.Non-Fin. Ins. 4883.52 1075d. Other Non-Fin Ins.e Non Residents 1275

3 SHARE & OTHER INVESTMENT 0 6929.9 2540 3986 3177 15562 1.1 Non Residents 0 0 0 2.Others 0 2540 3986 3177 15562

4 LOANS & ADVANCES 14637.2 20715.86 26865 40096 32962 46020a. Govt. Entp. 8799 8188 i. Financial 0 0 8691 3209 ii. Non-Finan. 108 4979b. Pvt. Sector 14637.2 20715.86 18066 40096 24774 46020

5 BILL PURCHED a. Domestic Bills Purchased b. Foreign Bills Purchased 0 0 c. Import Bills & Imports

6 LOANS AGAINST COLLECTED BILLS a. Against Domestic Bills b. Against Foreign Bills

8 FIXED ASSETS 643 861 679 9989 OTHER ASSETS 1224.17 1682.82 1460 1728 1498 1953

a. Accrued Interests 40.48 67.88 249 878 144 1120 Govt. Entp. 78 60 72 126 Private Sector 171 818 72 994 c. Sundry Debtors 80.98 145.5 193 289 294 189 d. Cash In Transit 8 -151 2 e. Others 1102.71 1469.44 1010 561 1211 642

10 Expenses not Written off 4 10 6 6611 Non Banking Assets 1 012 Reconcillation Account 1353 155 1950 679813 Profit & Loss A/c 0 0 0 0 92

26008.36 34548.86 45781 63159 55715 78818

Mid-Jan

Table No.51SOURCES AND USES OF FUNDS OF MICRO CREDIT DEVELOPMENT BANKS

(AGGREGATE)

TOTAL LIABILITIES

TOTAL ASSETS

SOURCES AND USES Mid- July

69

NIRDHAN DIPROSE CHHIMEK RMDC SANA KISANSWABALAMBAN NERUDE1 2 3 4 5 6 7

1 CAPITAL FUND 1066.0 324.0 579.0 2913.0 2258.0 905.0 71.0 8116.0 a. Paid-up Capital 402.0 174.0 510.0 2500.0 1199.0 200.0 70.0 5055.0 b. General Reserves 81.0 26.0 66.0 113.0 7.0 193.0 486.0

c. Share Premium 0.0 0.0 0.0 0.0 0.0 0.0d. Retained Earning 52.0 0.0 3.0 255.0 0.0 196.0 1.0 507.0e. Others Reserves 531.0 124.0 0.0 45.0 1052.0 316.0 0.0 2068.0

1. Ex.Eq.Fund 0.0 0.0 0.0 0.0 0.0 0.0 0.0 2. Other 531.0 124.0 0.0 45.0 1052.0 316.0 2068.0

0.02 BORROWINGS 5423.0 2663.0 4732.0 17009.0 11758.0 3826.0 1205.0 46616.0 a. NRB 77.0 164.0 99.0 0.0 158.0 498.0

b. "A"Class Licensed Institution 5346.0 2499.0 3092.0 2797.0 11600.0 2309.0 27643.0c. Foreign Banks and Fin. Ins. 0.0 0.0 0.0 13026.0 0.0 0.0 13026.0d. Other Financial Ins. 0.0 0.0 1541.0 1186.0 0.0 1517.0 1205.0 5449.0e. Bonds and Securities 0.0 0.0 0.0

0.03 DEPOSITS 2023.0 596.0 1948.0 0.0 342.0 2265.0 561.0 7735.0

a. Current 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 Domestic 0.0 0.0 0.0 0.0 0.0 0.0 0.0 Foreign 0.0 0.0 0.0 0.0 0.0 0.0 0.0b. Savings 2023.0 596.0 1948.0 0.0 342.0 2265.0 561.0 7735.0 Domestic 2023.0 596.0 1948.0 0.0 342.0 2265.0 561.0 7735.0 Foreign 0.0 0.0 0.0 0.0 0.0 0.0 0.0c. Fixed 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 Domestic 0.0 0.0 0.0 0.0 0.0 0.0 0.0 Foreign 0.0 0.0 0.0 0.0 0.0 0.0 0.0d. Call Deposits 0.0 0.0 0.0 0.0 0.0 0.0 0.0e. Others 0.0 0.0 0.0 0.0 0.0 0.0 0.0

4 Bills Payable 0.0 0.0 0.0 0.0 0.0 0.0 0.06 Other Liabilities 1000.0 238.0 426.0 4469.0 2190.0 334.0 81.0 8738.0

1. Sundry Creditors 78.0 15.0 121.0 450.0 930.0 44.0 1638.0 2. Loan Loss Provision 390.0 148.0 82.0 476.0 680.0 164.0 43.0 1983.0 3. Interest Suspense a/c 103.0 0.0 0.0 0.0 0.0 5.0 108.0 4. Others 429.0 75.0 223.0 3543.0 580.0 121.0 38.0 5009.0

0.07 Reconcillation A/c -37.0 0.0 5843.0 0.0 2.0 56.0 955.0 6819.08 Profit & Loss A/c 96.0 53.0 138.0 315.0 79.0 91.0 22.0 794.0

9571.0 3874.0 13666.0 24706.0 16629.0 7477.0 2895.0 78818.01 LIQUID FUNDS 1135.0 460.0 995.0 1867.0 587.0 1630.0 143.0 6817.0

a. Cash Balance 13.0 5.0 8.0 0.0 3.0 15.0 5.0 49.0 Nepalese Notes & Coins 13.0 5.0 8.0 0.0 3.0 15.0 5.0 49.0 Foreign Currency 0.0 0.0 0.0 0.0 0.0 0.0 0.0b. Bank Balance 796.0 455.0 987.0 1867.0 584.0 1615.0 138.0 6442.0 1. In Nepal Rastra Bank 45.0 0.0 81.0 449.0 0.0 41.0 11.0 627.0 Domestic Currency 45.0 0.0 81.0 103.0 0.0 31.0 11.0 271.0 Foreign Currency 0.0 0.0 0.0 346.0 0.0 0.0 346.0 2. "A"Class Licensed Institution 201.0 453.0 567.0 1403.0 584.0 1310.0 127.0 4645.0 Domestic Currency 201.0 453.0 567.0 1403.0 584.0 1310.0 127.0 4645.0 Foreign Currency 0.0 0.0 0.0 0.0 0.0 0.0 0.0 3. Other Financial Ins. 550.0 2.0 339.0 15.0 0.0 264.0 1170.0 4. in Foreign banks 0.0 0.0 0.0 0.0 0.0 0.0 0.0C.Money at Call 326 0 0 0 0 0 0 326.0 Domestic Currency 326.0 0.0 0.0 0.0 0.0 0.0 326.0 Foreign Currency 0.0 0.0 0.0 0.0 0.0 0.0 0.0

2 INVESTMENT IN SECURITIES 387 0 0 125 0 0 0 512.0a. Govt.Securities 387.0 0.0 0.0 125.0 0.0 0.0 512.0b. NRB Bond 0.0 0.0 0.0 0.0 0.0 0.0 0.0c. Govt.Non-Fin. Ins. 0.0 0.0 0.0 0.0 0.0 0.0 0.0d. Other Non-Fin Ins. 0.0 0.0 0.0 0.0 0.0 0.0 0.0e Non Residents 0.0 0.0 0.0 0.0 0.0 0.0

3 SHARE & OTHER INVESTMENT 259.0 925.0 1261.0 10568.0 873.0 1416.0 260.0 15562.0 1.1 Non Residents 0.0 0.0 0.0 0.0 0.0 0.0 2.Others 259.0 925.0 1261.0 10568.0 873.0 1416.0 260.0 15562.0

4 LOANS & ADVANCES 6675.0 2395.0 5177.0 11899.0 14084.0 4316.0 1474.0 46020.0a. Govt. Entp. 0 0 0 0 0 0 0 0.0b. Financial Institutions 0.0 0.0 0.0 0.0 0.0 0.0 0.0c. Pvt. Sector 6675.0 2395.0 5177.0 11899.0 14084.0 4316.0 1474.0 46020.0

0.05 BILL PURCHED 0 0 0 0 0 0 0 0.0

a. Domestic Bills Purchased 0.0 0.0 0.0 0.0 0.0 0.0 0.0 b. Foreign Bills Purchased 0.0 0.0 0.0 0.0 0.0 0.0 0.0 c. Import Bills & Imports 0.0 0.0 0.0 0.0 0.0 0.0 0.0

6 LOANS AGAINST COLLECTED BIL 0 0 0 0 0 0 0 0.0 a. Against Domestic Bills 0.0 0.0 0.0 0.0 0.0 0.0 0.0 b. Against Foreign Bills 0.0 0.0 0.0 0.0 0.0 0.0 0.0

8 FIXED ASSETS 688.0 33.0 163.0 0.0 33.0 30.0 51.0 998.09 OTHER ASSETS 367.0 61.0 223.0 247.0 960.0 85.0 10.0 1953.0

a. Accrued Interests 103 0 14 116 882 5 0 1120.0 Govt. Entp. 0.0 0.0 14.0 112.0 0.0 0.0 126.0 Private Sector 103.0 0.0 0.0 4.0 882.0 5.0 994.0 b. Sundry Debtors 36.0 0.0 119.0 3.0 11.0 19.0 1.0 189.0 c. Cash In Transit 0.0 0.0 0.0 0.0 2.0 0.0 2.0 d. Others 228.0 61.0 90.0 128.0 65.0 61.0 9.0 642.0

10 Expenses not Written off 60.0 0.0 4.0 0.0 0.0 0.0 2.0 66.011 Non Banking Assets 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.012 Reconcillation Account 0.0 0.0 5843.0 0.0 0.0 0.0 955.0 6798.013 Profit & Loss A/c 0.0 0.0 0.0 0.0 92.0 0.0 0.0 92.0

9571.0 3874.0 13666.0 24706.0 16629.0 7477.0 2895.0 78818.0

1. NIRDHAN=NIRDHAN UTTHAN BANK LTD. 5 SANA KISAN = SANA KISAN DEVELOPMENT BANK LTD2.DIPROSC = DIPRSOC DEVELOPMENT BANK 6. SWABALAMBAN = SWABALAMBAN LAGHU BITTA BIKASH BANK LTD.3.CHHIMEK=CHHIMEK DEVELOPMENT BANK LTD. 7. NERUDE = NERUDE LAGHU BITTA BIKAS BANK LTD.4. RMDC=RURAL MICROFINANCE DEVELOPEMENTCENTRE.

Table No. 52

Mid- Jan 2008

TOTAL

TOTAL LIABILITIES

SOURCES AND USES OF FUND OF MICRO CREDIT DEVELOPMENT BANKS

(Rs in Lakh)

70

(Rs. in Thousand)

2001 (34) 2002 (34) 2003 (34)2004 (21)2005 (20) 2006(19) 2007(17) 2007(19) 2008(16)1. CAPITAL FUND 204639 246929 272975 247185 266300 324797 345963 345963 364993 a. Paid-up Capital 169254 191786 218572 191665 203884 228,406 250,547 249,276 270,678 b. General Reseves 13953 21746 33521 31061 33971 40,588 47,943 42,951 51,945 c. Others Reserve 21432 33397 20882 24459 28445 55,803 56,905 53,736 42,370 2. DEPOSITS 1425233 1570725 1924544 2E+06 1769008 2011613 2544682 2300259 2657997 a. Saving 653667 730286 971338 865316 976008 1,206,500 1,633,931 1,428,616 1,765,094 b. Fixed 654309 697208 802524 626773 576068 569,533 685,254 636,975 647,460 c. Other 117257 143231 150682 187705 216932 235,580 225,497 234,668 245,443 3. BORROWINGS 66755 58694 66442 41108 46190 70726 139707 56467 190986 a. NRB 493 418 417 0 0 - 490 - b. Commercial Banks 58877 56377 61285 36425 36200 45,603 67,558 47,347 53,773 c. ADB/N 0 0 0 0 0 - - d. Others 7385 1899 4740 4683 9990 25,123 72,149 8,630 137,213 4. OTHERS 303328 413538 394588 432188 384737 407,312 481,113 452,139 631,694 5. P/L ACCOUNTS 25405 31989 -8128.6 -47750 -4623 62,831 69,497 58,601 69,179 TOTAL SOURCES OF FUNDS 2025360 2321875 2650420 2E+06 2461612 2877279 3590394 3213429 3914849

1. LIQUID FUNDS 354409 448564 389055 413128 448652 493157 489726 441695 619751 a. Cash in Hand 143183 33289 41995 34004 35777 43559 41291 44056 70293 b. Bal. with NRB 6953 12299 28296 20090 20247 12809 45340 21412 58287 c. Bal. with Dom . Banks 204273 402976 318764 359034 392628 436789 403095 376227 4911712. INVESTMENTS 180565 188796 251874 181491 142050 161525 177725 188372 200670 a. Govt. Securities 62361 56487 48212 40874 32657 32657 3897 32657 3897 b. NRB Bond 18777 26200 54500 86800 87300 50000 9880 c. Others 99427 106109 149162 53817 22093 78868 173828 145835 1967733. LOANS & ADVANCES 1221221 1313597 1463248 1E+06 1440717 1665422 2229810 1948869 2433583 a. Commercial Loan 627039 659736 609285 547579 634969 741172 914245 861258 984766 b. Production Loan 103388 142115 64539 40114 73020 32794 38102 24110 30194 c. Loan against onFDR & Secu 53529 52009 49617 70424 73330 84995 105274 49364 109889 d. Others 437265 459737 739807 652543 659398 806461 1172189 1014137 13087344. OTHERS 250663 343762 532100 447247 430193 557175 693133 634493 6608455. P/L ACCOUNTS 18502 27156 14143 0 0 0 0 0 0TOTAL USES OF FUNDS 2025360 2321875 2650420 2E+06 2461612 2877279 3590394 3213429 3590394

Mid-JanSOURCES AND USES Mid- July

Table No. 53SOURCES AND USES OF FUNDS OF SAVING & CREDIT C0-OPERATIVES SOCIETIES

( Liscensed by NRB)(AGGREGATE)

71

Naba- Sagun NCFSO Sahara Binda- Mahila Bahoo- Raj- Sah- Mana BCFSL Vyccu Kisan Himalay Star UpakarSOURCES AND USES jiban Basini Uddesya Shree Bittiya Kamana Saving

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16CAPITAL FUNDS 25,631 18,929 32,118 40,923 24,789 23,430 23,134 35,400 9,828 13,347 9,288 11,647 5,022 74,408 5,029 12,070 364,993 a. Paid up Capital 18,208 11,950 26,375 32,852 17,505 13,184 22,663 30,426 8,349 11,500 6,567 5,435 4,567 45,592 5,002 10,503 270,678 b. General Reserves 3,812 2,673 3,489 4,137 1,743 10,246 244 3,052 952 464 833 3,381 321 15,765 - 833 51,945 c. Other Reserves 3,611 4,306 2,254 3,934 5,541 - 227 1,922 527 1,383 1,888 2,831 134 13,051 27 734 42,370 DEPOSITS 301,940 124,266 265,012 383,883 119,266 135,072 192,014 426,642 88,949 83,459 40,488 72,032 33,881 320,231 32,838 38,024 2,657,997 a. Saving 257,274 73,038 130,512 143,688 105,350 116,636 115,809 374,883 59,817 50,478 22,347 56,296 30,343 162,992 32,838 32,793 1,765,094 b. Fixed 44,666 51,228 134,500 24,898 13,916 18,436 76,205 51,759 9,564 32,981 7,563 15,736 3,538 157,239 - 5,231 647,460 c. Others - - - 215,297 - - - 19,568 - 10,578 - - - - - 245,443 BORROWINGS - - 38,096 - - 59,920 - - - 74,070 - 200 3,023 2,854 12,823 190,986 a. NRB - - - - - - - - - - - - - - - - - b. Commercial Banks - - 38,096 - - - - - - - - - - - 2,854 12,823 53,773 c. ADB/N - - - - - - - - - - - - - - - - - d. Other Financial Institutions - - - - - 59,920 - - - 74,070 - 200 3,023 - - - 137,213 OTHERS LIABILITIES 117,075 66,891 17,620 55,738 3,128 43,594 37,687 184,976 38,920 7,039 8,784 4,730 3,240 35,919 5,061 1,292 631,694 P/L Account 22,392 227 5,079 13,785 2,504 6,517 - 4,365 - 7,004 2,536 331 - - 2,602 1,837 69,179

467,038 210,313 357,925 494,329 149,687 268,533 252,835 651,383 137,697 184,919 61,096 88,940 45,166 430,558 48,384 66,046 3,914,849 467,038 210,313 357,925 494,329 149,687 268,533 252,835 651,383 137,697 184,919 61,096 88,940 45,166 430,558 48,384 66,046 3,914,849

LIQUIED FUNDS 62,233 75,293 24,672 78,689 19,923 79,686 22,703 113,130 34,206 5,577 10,690 12,507 6,783 59,516 7,837 6,306 619,751 a. Cash in Hand 5,239 1,382 5,736 8,795 967 1,270 7,639 27,893 2,211 904 893 1,501 1,726 1,734 541 1,862 70,293 b. Bal.with NRB 134 699 1,518 1,800 18,956 505 - - 31,995 - 300 350 - 1,641 188 201 58,287 c. Bal.with Dom. Bank 56,860 73,212 17,418 68,094 - 77,911 15,064 85,237 - 4,673 9,497 10,656 5,057 56,141 7,108 4,243 491,171 INVESTMENTS 623 194 105,827 10,101 122 5,216 1,092 501 101 60 2,101 693 10 73,585 22 422 200,670 a. Govt. Securities - - 2,500 - - - - - - - - - 1,375 22 3,897 b. NRB Bond/Fixed Deposits - - - - - - - - - - - - - - - - c. Others 623 194 103,327 10,101 122 5,216 1,092 501 101 60 2,101 693 10 72,210 422 196,773 LOANS & ADVANCES 263,381 78,787 186,096 353,105 125,347 150,692 217,169 328,866 68,708 170,894 42,007 72,816 35,760 251,482 32,558 55,915 2,433,583 a. Commercial Loan 139,529 9,844 32,978 258,777 80,901 12,717 143,151 162,584 21,393 16,178 9,395 - 27,676 29,437 18,017 22,189 984,766 b. Production Loan 12,267 792 3,735 - 2,180 - - 558 - 1,041 - 441 - 1,494 7,686 30,194 c. Loan on FDR & Secu. 2,742 3,013 4,402 21,622 1,535 32 7,988 62,520 242 2,274 43 - 384 2,425 667 - 109,889 d. Others 108,843 65,138 144,981 72,706 42,911 135,763 66,030 103,762 46,515 152,442 31,528 72,816 7,259 219,620 12,380 26,040 1,308,734 OTHERS ASSETS 140,801 56,039 41,330 52,434 4,295 32,939 11,871 208,886 34,682 8,388 6,298 2,924 2,613 45975 7,967 3,403 660,845

Nabajiban Co-operative Society Ltd. 6 10 14 Himalaya Co-operative Finance Ltd.Sagun Co-operative Society Ltd. 7 11 15 Shree Star Bahoodeshya Saving and Credit Co-opeNepal Co-operative Finance Society Ltd. 8 12 16 Welfare Saving Fund and Credit Co-operative Society Ltd.

Table No 54

Nepal Bahooudeshiya Saving & Lo Bhery Co-operative Finance SocietyRaj Shree Saving & Investment Co Vycuu Saving and Credit Co-operat

Total

TOTAL SOURCES OF FUNDSTOTAL USES OF FUNDS

Mahila Co-opratives Society Ltd. Manakamana Finance Co-op. Socie

SOURCES AND USES OF FUNDS OF SAVING & CREDIT CO-OPERATIVE SOCIETIES(Liscensed by NRB))

Mid-Jan, 2008 (Poush, 2064)(Rs. In Thousand)

72

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23

1 Funds and Reserves 17353 - 443 0 2881 0 - 0 100 - 111 0 0 127 519 1146 0 1462 0 438 02 Staff Fund 0 470 0 11 52 0 15285 0 0 0 0 234 0 0 0 0 0 0 458 1874 4755

2.1Staff Welfare Fund 0 0 - - 0 - - 0 - - - 17 - - - - - 287 -2.2 Staff Provident Fund 470 - - 0 - - - - - - 66 - - - - 0 92.3 Others 0 - - 11 52 - 15285 - - - 151 - - - - 0 162 1874 4755

3 Savings and Deposits 14144 2743 3454 Borrowings 1455 121255 0 7741 35173 6390 92328 0 692 1065 0 10405 11527 1000 13677 1028 872 16895 102976 736 2727 0

4.1 Domestic 0 119582 0 7741 35173 200 92328 0 692 1065 0 10405 11527 1000 13677 0 872 16895 102976 736 1518(a) CSD - 0 - - - - - - 0 - - - - - - 0 0 0(b) Dom. Bank 0 119582 - - - - - - - - - 1000 10000 - 477 0 0 736(C) Dev. Banks - - - 0 35173 - - - 0 - - - - - - 0 81937 - -(d) Financial Institutions 0 - 0 7741 - 0 65000 - 0 1065 0 10405 11527 - 3677 - - 15395 19993 0 0(e) Social Institutions 0 - - - - - - - 0 - - 0 - - - 384 1500 1046 0 0(f) Others - - - 0 0 200 27328 - 692 - - 0 0 - 0 0 11 0 0 0 15184.2 Foreign Institutions 1455 1673 0 0 0 6190 0 0 0 0 0 0 0 0 0 1028 0 0 0 0 1209(a) Financial Institutions 0 0 - - - 6190 - - - - - - 0 - - - - - -(b) Social Institutions 1455 1673 - - - 0 - - - - - - - - - - - -(C) Others 0 - - 0 - - - - - - 0 - 1028 - - - 0 1209

5 Risk Bearing Fund 0 429 16 384 1757 49 860 145 0 - 36 395 334 - 154 125 - 583 3032 22 -6 Others Liabilities 185 9742 889 9417 4283 3 788 137 128 0 2 3636 8947 58 6107 4839 102 11840 50921 1175 0

(a) Sundry Debtors 185 427 726 9417 2709 3 88 137 0 - 2 0 8513 15 5444 0 32 11242 43 0 -(b) Others 0 9315 163 0 1574 700 - 128 - - 3636 434 43 663 4839 70 598 50878 1175 0

7 P/L Account 1313 6948 252 110 4457 0 6047 - 56 1078 -3 1265 1991 -582 0 922 98 91 4683 0 2555Total Sources of Funds 20306 138844 1600 17663 62747 9185 115308 282 1321 2143 146 15935 22799 603 20457 8060 1072 30871 162070 4245 10037Total Uses of Funds 20306 138844 1600 17663 62747 9185 115308 282 1321 2143 146 15935 22799 603 20457 8060 1072 30871 162070 4245 10037

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 01 Cash in Hand 1 62 32 152 41 49 180 - 44 - 17 11 93 35 20 5 - 46 187 1 52 Bal. With Dom .Banks 1478 102536 271 432 4943 1634 69442 4 129 2 88 2120 976 - 716 2047 95 1490 22303 329 4073 Micro Credit 0 29227 1015 16668 51715 7180 42979 - 1050 1065 0 12310 21437 471 8118 3668 679 29164 133352 1777 1504 Govt. Bond 3000 0 - - 173 - - - - - - 0 - 10000 - 0 - - - 81015 Fixed Assets 9393 178 78 285 743 42 1080 148 70 1076 29 96 153 22 290 301 68 150 4996 2130 0

5.1 Land and Building 9161 - - 177 340 700 - - 800 - - - - - - 3601 1990 -5.2 Furniture and Fixtures 16 149 22 7 274 42 103 46 0 52 - 96 153 22 290 73 34 0 372 134 -5.3 Vehicles 60 0 3 - 0 193 - 0 87 - - - 2 - 0 306 - -5.4 Computer and Office equ 156 29 53 101 129 84 102 70 137 29 0 - - 226 34 150 717 6 0

6 Others 6434 6841 204 126 5132 280 1627 130 28 0 12 1398 140 75 1313 2039 230 21 1232 8 13746.1 Interest Receivable - 0 16 - 0 - 1206 - - - - 0 - - - - - - - -6.2 Stationary Stock 0 41 - 0 502 80 116 - - - - 121 13 46 - - 0 201 8 -6.3 Staff Loan 0 237 0 0 60 36 194 - 0 - - 184 0 0 426 1021 7 - 0 . -6.4 Sundry Debtors 36 1871 20 0 338 0 84 130 28 - - 5 140 62 0 973 198 0 0 0 -6.5 Others 6398 4692 168 126 4232 164 27 - 0 - 12 1088 - 841 45 25 21 1031 0 1374

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

1.Nepal Grameen Bikas Samaj Kendra,Biratna 8. Grameen Jagaran Manch (Programm Co-ordination Office),Baglun15. SOLVE ( Society of Local Volunteers Efforts),Dhan22. Patan Business & Professional Women , Pulchock, Lalitpur.2.Nepal Rural Devlopment Society Org,Kathm9. Rural Awarness Forum, Baglung. 16. Women Enterprises Assocition of Nepal 23.Women Development Centre, Chitwan.3.Nepal Sikara Rural Devlopment Centre,chitaw10. Sarbodaya Grameen Bikas Sangh,Saptari 17. Center for Woman's Right & Development,Kathmandu4.Chartare Youth Club,Baglung 11. People Awarness Forum,Rasuwa 18. Manushi , Gyaneshwar,Kathmandu5.Mahuli Samudyik Bijkas Kendra,Saptari 12.Rastriya Shaichik Tatha Samajik Bikas Sanstha,Parbat 19. Jeevan Bikas Samaj, Morang6.United Youth Community,Bardiya 13. Dhaulagiri Community Resources Dev. Centre 20.Women Development and Child Care Foundation,Saptari7.Community Women Devlopment Centre,Sap 14.Nepal Enviroment & Polution Eradication UNESCO Nepal Gangab21. Mahila Aadarsha Sewa Center,Kathmandu

Table No. 55SOURCES AND USES OF FUNDS OF MICRO FINANCE NGOs

Mid -Jan. 2008 (2064 Poush)

73

(Rs. Amount in Thousand)24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 Total

1 Funds and Reserves 0 650 35 765 0 2090 0 0 0 0 0 15 211 2131 8886 63113 54519 1955 1589502 Staff Fund 33 50 2637 0 0 900 0 0 0 0 1115 0 0 0 0 91 2623 4824 544 35956

2.1Staff Welfare Fund 14 18 - - - - - 0 - 67 1174 500 20772.2 Staff Provident Fund - 28 - - - - 0 0 - 24 1449 4087 61332.3 Others 19 4 2637 0 0 900 0 1115 0 0 0 237 544 27746

3 Savings and Deposits 4072 51695 621 69240 918 1437784 Borrowings 34 4665 0 125 17841 3534 1597 0 0 0 144,437 316 0 0 1702 1113 157963 194250 325840 0 1281359

4.1 Domestic 34 4665 0 125 17650 3534 1572 0 0 0 144,437 316 0 0 8 1113 156388 193096 325840 0 1265165(a) CSD 0 0 0 0 0 0 0 0 0 0 0 0 0(b) Dom. Bank 0 0 0 0 0 0 0 27377 0 0 156388 85000 325840 726400(C) Dev. Banks 0 4610 0 0 17650 0 0 0 0 0 0 0 139370(d) Financial Institutions 0 0 0 0 0 3534 0 117,060 0 0 104074 0 359471(e) Social Institutions 0 0 0 0 0 0 0 95 0 0 0 0 3025(f) Others 34 55 0 125 0 0 1572 0 221 8 1113 0 4022 0 368994.2 Foreign Institutions 0 0 0 0 191 0 25 0 0 0 - 0 0 0 1694 0 1575 1154 0 0 16194(a) Financial Institutions - - - 0 0 0 - 1694 0 0 1154 0 9038(b) Social Institutions - - - - - - 0 0 - - 1575 0 4703(C) Others - - - - 191 - 25 - 0 - - - 2453

5 Risk Bearing Fund - 87 12 68 298 11 4 3,563 96 90 1022 1760 0 153326 Others Liabilities 865 2554 2 0 1079 46 10 0 0 0 6007 0 0 0 0 834 184 32201 10634 168486 604 336173

(a) Sundry Debtors 865 1833 2 0 46 0 2797 0 57 2510 4541 0 72 51706(b) Others 0 721 0 0 1079 0 10 3210 834 127 29691 6093 168486 532 284467

7 P/L Account 132 0 -172 38 0 -96 0 0 0 0 22041 0 557 12331 0 0 0 66112Total Sources of Funds 1064 8006 2514 996 23290 6485 1611 228858 331 0 0 2843 4787 215026 338997 553669 4021 2034171Total Uses of Funds 1064 8006 2514 996 23290 6485 1611 228858 331 0 0 2843 4787 215026 338997 553669 4021 2034171

0 0 0 0 0 0 0 0 0 0 0 0 0 01 Cash in Hand 20 22 255 37 243 12 72 8 79 98 8526 192 588 34 111672 Bal. With Dom .Banks 68 152 909 9 1968 433 284 55995 15 372 234 0 151703 68110 681 4923753 Micro Credit 837 7101 1317 762 0 4026 1221 164363 229 1677 1902 83928 157498 0 7868864 Govt. Bond - - - - - - - - - - - - - 212745 Fixed Assets 0 189 18 166 188 1932 13 5927 62 0 0 293 1765 9234 10218 19208 261 70802

5.1 Land and Building - - - - - 1175 0 3130 3 100 1553 7126 8480 14254 525905.2 Furniture and Fixtures 0 15 18 58 0 143 13 574 29 193 30 519 462 1175 51145.3 Vehicles 0 107 0 53 0 0 0 591 0 16 289 213 1600 35205.4 Computer and Office equ - 67 - 55 188 614 0 1632 30 - 166 1300 1063 2179 261 9578

6 Others 139 542 15 22 20891 82 21 2565 25 0 0 422 788 113338 19386 465763 3045 6528466.1 Interest Receivable - - - - 20716 0 0 - - - - - 219386.2 Stationary Stock 18 0 15 0 0 12 0 305 0 59 0 593 0 21306.3 Staff Loan 3 0 - 0 0 6 128 7 71 253 10275 0 203 131116.4 Sundry Debtors 0 76 0 175 53 0 2132 273 0 4019 63 0 106766.5 Others 118 466 0 22 0 17 15 0 25 142 658 109066 8455 465763 2842 604991

24.Women's Self -Reliant Society 33.Society Welfare Action Nepal (SWAN),Dang 42 Nari Avudya Kendra,Narayangadh25.Women Development Centre of Nepal,Lalitpur 34.Social Upgrade in Progress of Education Region (SUPER),Dang 43 Mahila Upakar Manch ,Kohalpur,Banke26. Bhagawan Youth Club, Alapot, Ktm. 35.Nepal Women Community Service Center,Dang 44 Neighbourhood Society Service Center (NSSC), Kathmandu.27. Creative Women Environment Development Association,Kathmandu36.Forum for Rural Women Ardency Development [ FORWARD] Sunsar 45 Swabalamban Bikas Kendra, Kathmandu.28.Srijana Community Development Center,Siraha 37.Gramin Mahila Bikash Sanstha 46 Development Project Service Center (DEROSC-NEPAL),Kathmand29.Shreejana Development Center,Kaski 38.Ama Samaj Shangh,Chitawan 47 Gramin swayam sweak samaj Sarlahi30.Cottage & Small Industries Organization,Kathmandu 39.Gramin Mahila Utthan Kendra,Dang31.Rural Area Dev. & Research Programme,Parbat 40.Khurkot Youba Club ,Parbat32.Adarsha Yuba Club,Bhaktapur 41.Grameen Sewa Nepal,(G.S.N.) Kailali.

Mid -Jan. 2008 (2064 Poush)

74

1. Nepal Bank Limited 1937/11/15 Dharmapath, Kathmandu 4221185 42223832. Rastriya Banijya Bank 1966/01/23 inghdarbarplaza, Kathmand 4246022/4268302 42529313. NABIL Bank Limited 1984/07/16 Kantipath, Kathmandu 4429546 44295484. Nepal Investment Bank Limited 1986/02/27 Durbar Marg, Kathmandu 4228229/4225257 4228927/42263495. Standard Chartered Bank Nepal Limited. 1987/01/30 Naya Baneshwar, Kathmand 4781469 47807626. Himalayan Bank Limited 1993/01/18 Thamel, Kathmandu 4227749 42228007. Nepal SBI Bank Limited 1993/07/07 Hattisar, Kathmandu 4435516 44356128. Nepal Bangladesh Bank Limited 1993/06/05 Naya Baneshwar, Kathmand 4783972/75 4780106/44908249. Everest Bank Limited 1994/10/18 Lazimpat, Kathmandu 4443377 444316010. Bank of Kathmandu Limited 1995/03/12 Kamaladi, Kathmandu 4414541 441899011.Nepal Credit and Commerce Bank Limited 1996/10/14 Siddharthanagar, Rupandeh071-521921/4246991 071-521953/424461012. Lumbini Bank Limited 1998/07/17 Narayangadh, Chitawan 056524150/4243158 056-524250/422759013. Nepal Industrial & Commercial Bank Limited 1998/07/21 Biaratnagar, Morang 021-521921/4262277 021-522748/424186514. Machhapuchhre Bank Limited 2000/10/03 Prithvichowk, Pokhara 061-530900/4443681 061-530500/441853715. Kumari Bank Limited 2001/04/03 Putali Sadak, Kathmandu 4232112 423196016. Laxmi Bank Limited 2002/04/03 Adarshanagar, Birgunj 011-663425/26 011-66342717. Siddhartha Bank Limited 2002/12/24 Kamaladi, Kathmandu 4442919/920 444292118. Agriculture Development Bank Ltd. 2006/03/16 Ramshahapath, Kathmandu 4252358 426271819. Global Bank Ltd. 2007/01/02 Birgunj, Parsa 423119820. Citizens Bank International Ltd. 2007/06/21 Kamaladi, Kathmandu 4262699, 4221799 426503021. Prime Commercial Bank Ltd. 2007/09/24 New Road, Kathmandu 4233388 423339022. Sun Rise BANK Ltd. 2007/10/12 airidhara Crossing, Kathman 4420612, 4425089 442247523. Bank of Asia Ltd. 2007/10/12 Tripureswor, Kathmandu 4263212, 4263213 4258326

Contd…..

Table NO.56List of Class A Licensed Financial Institution (Commercial Banks)

Mid-Janaury,2008

Fax no. Names Operation Date (A.D.) Head Office Telephone No.:

75

1 Nepal Industrial Development Corporation 1959/06/15 Durbar Marg, Kathmandu 4227220/4222560 42274282 Nepal Development Bank 1999/01/31 Kamaladi, Kathmandu 4245740 42457533 Uddyam Development Bank 1999/02/22 Tandi, Chitawan 056-560380 056-5230864 Malika Development Bank 1998/12/27 Dhangadhi, Kailali 091-524800 091-5248005 Siddhartha Development Bank 1998/08/20 Butawal-11, Rupandehi 071-545543/546502 071-5504576 Development Credit Bank Ltd. 2001/01/23 Kamaladi, Kathmandu 4231120/4221420 42314697 United Development Banks Ltd. 2001/05/06 Jeetpur, Bara 053-520593 053-5209208 Nepal cottage and Small Ind. Dev. Banks 2001/01/19 Heritage Plaza, Kathmandu 4268719/20 42693089 Narayani Ind.Development Bank. 2001/10/17 Ratna Nagar-1, Chitawan 056-561258 056-52851610 Pashimanchal Bikas Bank 2003/3/2 Butawal-8, Rupandehi 071-549899 071-54990111 Sahayogi Bikas Bank 2003/10/21 Murali chowk-4, Janakpurdham 041-525971/72 41-52597112 Pashupati Bikash Bank 2004/01/01 Banepa, Kavre 011-660385/84 011-66038313 Karnali Bikash Bank 2004/02/18 Nepalgunj, Banke 081-526014/15 081-52604414 Triveni Development Bank Limited 2004/07/26 Bharatpur, Chitawan 056-528831 056-52299215 Annapurna Development Bank Limited 2004/08/23 Banepa, Kavre 011-660480 011-66048116 Bhrikuti Bikas Bank Limited 2004/08/19 Shankar Nagar, Butawal 071-562436 071-56243717 Shubhechchha Bikas Bank Limited 2004/09/14 Narayangadh, Chitawan 056-526014/15 056-52604418 Bageshowri Bikas Bank Limited 2004/10/19 Dhambojhi chowk, Nepalgunj 081-526254 081-5263419 Sanima Bikas Bittiya Sanstha 2004/11/26 Nagpokhari, Kathmandu 442897/80 442896920 Gaurishankar Bikas Bittiya Sanstha 2004/11/19 Kawasoti, Nawalparasi 78-540040 78-54046921 Gorkha Bikas Bank Limited 2004/12/01 Putalisadak, Kathmandu 4255650 4-24282922 Gandaki Development Financial Institute 2005/01/19 New Road, Pokhara 061-540466 061-54125523 Infrastructure Development Financial Institute 2005/04/29 Banepa, Kavre 011-660542/43 011-66055224 Business Development Financial Institute 2005/05/10 New Road, Pokhara 061-540725 061-54072425 Biratlaxmi Financial Institute Limited 2005/05/11 Biratnagar, Morang 021-538051/52 021-53821826 Excel Credit and Commercial Bittya sanstha 2005/07/21 Anarmani,Birtamod,Jhapa 023-543564 023-54356327 Western Development Bank Ltd. 2005/09/15 Tribhuvannagar, Ghorahi,Dang 082-560732 082-56090728 Himchuli Bikas Bittiya Sanstha Ltd. 2005/11/07 Mahendrapool, Pokhara 061-542300/400 061-54233329 Arniko Bikas Bittiya Sanstha Ltd. 2006/07/06 Dhulekhel, Kavrepalanchwok 011-490193,490195 011-49019530 Nepal Development and Employment Promotion Bank Ltd. 2006/07/17 Kamaladi, Kathmandu 4242272 425165331 Clean Energy Development Bank Ltd. 2006/09/06 Sitapaila, Kathmandu 4671444, 4671666 427701332 Mitery Bikas Bittiya Sanstha Ltd. 2006/10/13 Mahendrapath-5, Dharan 025-531317 025-53135433 Tinau Bikas Bittiya Sanstha Ltd. 2006/10/13 Sangampath, Butwol 071-541055 071-54628734 Gaindakot Bikas Bittiya Sanstha Ltd. 2006/12/18 Navalparasi, Gaindakot 056-501850 056-50183835 Muktinath Bikas Bank Ltd. 2006/12/18 Putalibazar, Syanja 063-420564 063-42054736 Sewa Bikas Bank Ltd. 2007/2/25 Butawal 071-546993 / 94 071-54269437 Kankai Bikas Bank Ltd. 2007/5/4 Damak , Jhapa 023-584749 023-58461038 Public Devlopment financial Institution Ltd. 2007/6/7 Birjunj , Parsa 051-527822 / 33 051-52786639 Mahakali Bikas Bank Ltd. 2007/8/18 Mahendranagar, Kanchanpur 099-521365 099-52579040 Ace Development Bank Ltd. 1995/08/15 Narayanchaur, Kathmandu 4441110/ 4411760 444555441 Sangrila Bikas Bank Ltd. 2007/8/26 Pokhara, Kaski 061-538229 061-53839042 Bhargab Bikas Bank Ltd. 2007/8/30 Nepalgunj, Banke 081-521027/ 525037 081-52605843 Vibor Bikas Bank Ltd. 2007/10/4 Tripureshwor, Kathmadu 4233373 423337644 Resunga Bikas Bank Ltd. 2007/9/26 Tamghas, Gulmi 079-520715 079-52024845 Rara Bikas Bank Ltd. 2007/9/30 Birendranagar, Surkhet 083-523500 083-62015346 Diyalo Bikas Bank Ltd. 2007/10/01 Banepa, Kavre 011-660676/ 661215 011-66069547 Country Development Bank Ltd. 2007/10/04 Banepa, Kavre 011-660701 /660722 011-66073348 Kasthamandap Development Bank Ltd. 2007/10/25 New Road, Kathmandu 4258400 423380449 Alpine Development Bank Ltd. 2007/10/05 Hetauda, Makawanpur 057-524674 057-52467350 Nilgiri Bikas Bank Ltd. 2007/10/25 Beni, Maygdi 069-520955 069-52095651 Corporate Development Bank Ltd. 2007/10/25 Birjung, Parsa 051-531031 051-52784352 Kamana Bikas Bank Ltd. 2007/9/29 Lekhnath, Kaski 061-560300/ 560700 061-56049953 City Bikas Bank Ltd. 2007/10/19 Pokhara, Kaski 061-521505 061-53303854 Garima Bikas Bank Ltd. 2007/11/23 Sangja 063-440015 063-44008355 Biswo Bikas Bank Ltd. 2007/11/21 Pokhara, Kaski 061-528001/ 528002 061-52800356 Pathibhara Bikas Bank 2007/11/21 Urlabari, Morang 021-540702 021-54070157 Professional Bikas Bank Ltd. 2007/10/17 Banepa, Kavre 01691357458 Kabeli Bikas Bank Ltd. 2007/11/15 Dhankuta 026-521435 026-521436

Contd…..

Mid-JANAURY,2008

Names Operation Date (A.D.) Head Office Telephone No.: Fax No.

List of Class B Licensed Financial Institution (Development Banks)

76

1 Nepal Housing Development Finance Co.Ltd. 8/3/1992 Naya Baneshwor, Kathmandu 4780259 47827532 Nepal Finance and Savings Co.Ltd. 1993/01/06 Kamaladi,Kathmandu 4220031 42412373 NIDC Capital Markets Ltd. 1993/03/11 Kamaladi, Kathmandu 4423219 44234014 National Finance Co.Ltd. 1993/05/07 Pako Newroad, Kathmandu 4228380 42229205 Annapurna Finance Co.Ltd. 1993/09/30 Chipledhunga, Pokhara 061-522671 061-5257976 Nepal Share Markets Ltd. 1993/10/19 Ramshahapath, Kathmandu 4252332 42488457 Peoples Finance Ltd. 1993/04/15 Tripureshwor, Kathmadu 4260991 42624058 Himalaya Finance & Savings Co.Ltd. 1993/11/11 Sundhara, Kathmandu 4250172/4259376 42738849 United Finance and Leasing Co. 1996/1/25 Kamaladi, Kathmandu 4240779/813 424655110 Union Finance Co. Ltd. 12/12/1995 Durbarmarg, Kathmandu 4241648/49 424164511 Mercentile Finance Co. Ltd. 1994/11/10 Adarshnagar, Birgunj 051-522274 051-52167312 Kathmandu Finance Ltd. 1994/11/10 Putalisadak, Kathmandu 430506/27 442150613 Inbesta Finance Ltd. 1995/07/17 Adarshnagar, Birgunj 051-526214 51-52117814 Narayani Finance Ltd. 1995/03/08 Narayangadh, Chitwan 056-520313/45 056-52223015 Gorkha Finance Ltd. 1995/03/12 Kantipath, Kathmandu 4220337 425823916 Nepal Housing & Merchant Finance Co.Ltd. 1995/04/11 Dillibazar, Kathmandu 4430838 441684917 Paschhimanchal Finance Co.Ltd. 1995/04/09 P.B.No.11, Butawal 071-541649 071-54192418 Universal Finance & Capital Markets. 1995/04/27 Kantipath, Kathmandu 4240998 424589519 Samjhana Finance Co. Ltd. 1995/05/03 Banepa, Kavre 011-664561 011-66120720 Goodwill Finance & Investment Co. Ltd. 1995/05/16 Dillibazar, Kathmandu 4422878 441605221 Shree Investment & Finance Co. Ltd. 1995/06/01 Dillibazar, Kathmandu 442616/4415344 442177922 Siddhartha Finance Co. Ltd. 1995/05/25 Siddarthanagar, Bhairahawa 071-521478 071-52327223 Lumbini Finance & Leasing Co. Ltd. 1995/06/26 Thamel, Kathmandu 4423443 442565524 Yeti Finance Co. Ltd. 1995/07/23 Bank Road, Hetauda 057-520822/521842 057-52184225 Standard Finance Ltd. 1995/07/23 Pautalisadak, Kathmandu 4244504 422652926 ACE Finance Co. Ltd. 1995/08/15 Kantipath, Kathmandu 4249396 424947727 International Leasing & Finance Co. Ltd. 1995/10/31 Naya Baneshwor, Kathmandu 4782010 478226728 Mahalaxmi Finance Co. Ltd. 1995/11/26 Birgunj 051-523271/529143 051-52434129 Lalitpur Finance Co. Ltd. 1995/12/12 Lalitpur 5523850/5536598 553191630 Merchant Finance Co. Ltd. 1996/01/02 Kathmandu 4421244/4246402 424640331 Bhajuratna Finance & Saving Co. Ltd. 1996/01/09 Kantipath, Kathmandu 4249534 426131632 General Finance Ltd. 1996/02/02 Chabahil, Kathmandu 484753 448475333 Nepal Shreelanka Merchant Bank Ltd. 1996/02/04 Kamaladi, Kathmandu 4440300 444103434 Alpic Everest Finance Ltd. 1996/07/16 Baghbazar, Kathmandu 4266936 424160535 Nepal Merchant Banking & Finance Ltd. 1996/11/26 Durbarmarg, Kathmandu 4246160 424615636 Nava Durga Finance Co.Ltd. 1997/02/09 Itachhe, Bhaktapur 6612999 661199937 Pokhara Finance Ltd. 1997/03/16 Gairapatan, Pokhara 61-531145 061-53161038 Janaki Finance Ltd. 1997/03/07 Janakpurdham, Dhanusha 041-521586/523339 041-52334039 Central Finance Co. Ltd. 1997/04/14 Kupondole, Lalitpur 5522289/5521402 552352640 Premier Finance Co. Ltd. 1997/05/08 Manbhavan, Lalitpur 5550412 555041241 Arun Finance & Saving Co. Ltd. 1997/08/17 Putalibazar, Dharan 025-23185 025-52445042 Multipurpose Saving & Investment Finance Co. Ltd 1998/3/25 Saptari, RajbiRaj 031-521170 031-52198043 Butwal Finance Co. Ltd. 1998/06/21 Butawal, Rupendehi 071-44288/44888 714871144 Nepal Bangladesh Finance & Leasing Co. Ltd. 1999/04/18 Main Road, Biratnagar 021-530972/973 021-52185145 Shrijana Finance Ltd. 1999/12/14 Siraha, Lahan 033-560769 033-56076946 Om Finance Ltd. 9/17/2000 New Road, Pokhara-9 061-532600/700 061-53280047 Cosmic Merchant Banking & Finance Ltd. 2000/11/20 Lal Durbar Marg, Kathmandu 4223154/78 423267848 World Merchant Banking & Finance Ltd. 2001/08/10 Main Road, Hetauda 057-521129 057-52322949 Capital Merchant Banking & Finance Ltd. 2002/02/01 Battisputali, Kathmandu 4471458 449632150 Crystal Finance Ltd. 2002/02/13 Bag Durbar, Kathmandu 4218269/270/271 421905851 Royal Merchant Banking & Finance Ltd. 2002/02/14 Durbarmarg, Kathmandu 4242900 423134952 Guheshworil Merchant Banking & Finance Ltd. 2002/06/13 Jawalakel, Lalitpur 5521506 553616953 Patan Finance Ltd. 6/23/2002 Man Bhawan, Lalitpur 5539475 554420654 Kist Merchant Banking & Finance Ltd. 2003/02/21 Kamalpokhari, Kathmandu 4444463/4435463 444483855 Fewa Finance Ltd. 2003/04/30 Pokhara, Chipledhunga 061-538300/400 061-53873856 Everest Finance Co. Ltd. 2003/07/02 Siddarthanagar, Bhairahawa 071-526507 071-52650857 Birgunj Finance Ltd. 9/28/2003 Adarshnagar , Birgunj 051-523468 5153076458 Prudential Merchant Banking & Finance Ltd 2003/06/06 Dillibazar, Kathmandu 4445988 444645359 Investment Credit and Finance Co. Ltd. 2003/06/15 Bhatbhateni, Kathmandu 4425292 442529460 Sagarmatha Merchant Banking and Finance Co. Ltd 2005/08/29 Lalitpur, Maanvawan 5547841/5535158 553541961 Shikhar Bittya Sanstha Ltd. 2005/09/15 Kathmandu, Thapathali 4239290/9291 423928962 Civil Merchant Bittiya sanstha Ltd. 2005/09/18 Kathmandu, Kuleshwor 4289524/596 428952463 Prabhut Bittiya sanstha Ltd. 2006/02/16 Kathmandu, Kantipath 254580/81 426231564 Imperial Bittiya sanstha Ltd. 2006/03/08 Kathmandu, Putalisadak 4432373/4427923 443531465 Kuber Bittiya sanstha Ltd. 2006/03/24 Kathmandu, Putalisadak 4239797/98 443979666 Nepal Express Financial Institutoins Ltd. 2006/05/04 Rupandehi, Butawal 071-560769 071-54168367 Valley Bittiya sanstha Ltd. 2006/05/11 Kathmandu, Maharajganj 4374001 437691168 Seti Bittiya sanstha Ltd. 2006/06/07 Kailaly, Tikapur 091-560950 091-56096669 Hama Bittiya sanstha Ltd. 2006/06/16 Kathmandu, Tripureshwor 4249503 426114870 Reliable Investment Bittiya sanstha Ltd. 2006/09/06 Kathmandu, Bagdurbar,Sundhara 4218927, 4218989 421899771 Loard Buddha Financial Institutions Ltd. 2006/11/19 Kathmandu, Newroad 4212770, 4212870 421682572 Api financial Institution 2007/4/25 Lekhanath Chock, Kaski 061-561667 061-56166873 Nameste Bitiya Sanstha Limited. 2007/7/7 Ghorai, Dang 082-561659 082-56155974 Suryadarshan Financial Institution Ltd. 2007/7/30 Baneshor, Kathmandu 4785211/17 478521375 Zenieth Merchant Financial Institution Ltd. 2007/10/08 Newroad, Kathmandu 4233404/ 405 423320876 Unique Financial Institution Ltd. 2007/10/12 Putalisadak, Kathmandu 4440956 444093877 Manjushree Financial Institution Ltd. 2007/10/15 New Baneshor, Kathmandu 4782517 478253478 Swostik Merchant Finance Company Ltd. 2007/10/16 Kichapokhari, Kathmandu 4441734/ 35 444173679 Subhalaxmi Finance Ltd. 2007/11/11 Naxal, Kathmandu 4233517/ 4233518 4233519

Head Office Telephone No. Fax No.

Mid-JANAURY,2008

Names Operation Date (A.D.)

List of Class C Licensed Financial Institution (Finance Company)

77

1 Purbanchal Grameen Bikas Bank 1993/03/28 Biratnagar, Morang 021-529817/522740 021-5242592 Sudur Pashimanchall Grameen Bikas Bank 1993/03/28 Dhangadhi, Kailali 091-522624 091-5229633 Pashimanchall Grameen Bikas Bank 1995/04/01 Butawal-8, Rupendehi 071-549899/541596 071-5412894 Madhya Pashimanchal Grameen Bikas Bank 1995/04/01 Nepalgunj, Banka 081-522011 081-5220245 Madhymanchall Grameen Bikas Bank 1996/07/08 Janakpur, Dhanusha 041-520785/521642 041-5216426 Nirdhan Utthan Bank 1999/04/13 Rupandehi, Bhairahawa 071-523764/68 071-5216477 Rural Microfinance Development Centre 1996/12/06 Putalisadak, Kathmandu 4268020 42477028 Deprosc Development Bank 2001/07/03 Narayanghat, Chitwan 056-561183/4261354 056-5611839 Chhimek Development Banks 2001/12/10 Makawanpur, Hetauda -4 057-521574 057-52246010 Shawalamban Development Banks Ltd 2002/02/22 Janakpur, Dhanusha 41-524342 041-52574811 Sana Kisan Vikas Banks 2002/03/11 Subidhanagar, Kathmandu 6461628 447970112 Nerude Bitiya Sanstha Limited. 2007/06/07 Biratnagar, Morang 021-5245560 021-531087

1 Nabajivan Co-operative Society Ltd. 1993/12/15 Dhangadi, Kailali2 Sagun Co-operative Society Ltd. 1994/10/9 Kathamandu3 Nepal Co-operative Society Ltd. 1994/12/30 Kathamandu4 The Sahara Loan,Savings & Investment Co-op.Soc. Ltd. 1995/04/15 Sarlahi5 Bindabasini Saving Fund Co-operative Society Ltd. 1995/06/21 Khopasi, Kavre6 Mahila Co-operative Society Ltd. 1995/09/27 Kathmandu7 Bahooddeshya Saving & Loan Co-op.Society Ltd. 1995/12/25 Jhapa8 Rajshree Saving & Invest.Co-op Society Ltd 1996/02/19 Sarlahi9 Sahakari Bittiya Bikas Sanstha 1996/06/16 Nepalgunj, Banke10 Manakamanal Sahakari Sanstha Ltd. 1997/02/18 Banepa, Kavre11 Very Co-operative Sanstha Ltd. 1997/03/05 Nepalgunj, Banke12 Viccu Saving & Loan Co-operative Sanstha 1997/08/11 Gaindakot,Navalparasi13 Kisan Bahu-Uddeshiya Cooperative Sanstha Ltd. 1998/12/29 Lamkee,Kailali14 Himalaya Co-operative Ltd. 1998/04/29 Kathmandu15 Star Bahoo-Uddesyiya Saving & Credit Co-op Ltd. 1998/04/14 Biratnagar16 Upakar Savings Fund & Credit Co-operative So. Ltd. 2000/03/21 Walling, Sayanja

Contd……

Fax No.

LIST OF COOPERATIVES (NON CLASIFIED)

Names Operation Date(A.D.) Head Office

Names Operation Date (A.D.) Head Office Telephone No.

List of Class D Licensed Financial Institution (Micro Credit Development Banks)

78

1 Nepal Grameen Bikas Samaj Kendra 2000/06/05 Biratnagar2 Nepal Grameen Bikas Sanstha 2000/06/05 Kathmandu3 Nepal Sikara Grameen Bikas Karyakram 2000/06/05 Chitawan4 Chartare yuba Club 2000/06/05 Baglung5 Mahuli Samudyik Bijkas Kendra 2000/06/12 Saptari6 Samudayik Yuba Club 2000/06/29 Bardiya7 Samudayik Mahila Bikas Kendra 2000/07/14 Saptari8 Grameen Samudayako Lagi yojana Pratavuti, Nepal 2000/08/23 Dhankuta9 Grameen Jagaran Munch (Programm C0-Ordination Office) 2000/09/11 Baglung

10 Sarbodaya Grameen Bikas Sangh 2000/09/26 Saptari11 Jan Jagaran Manch 2000/10/26 Rasuwa12 Rastriya Shaichik Tatha Samajik Bikas Sanstha 2000/10/01 Parbat13 Dhaulagiri Community Researh Dev. Centre 2000/10/21 Baglung14 Nepal Enviroment & Pollution Eradication UNESCO Nepal 2001/07/05 Gangabu15 Society of Local Volunteers Efforts Nepal (Solve) 2001/07/10 Dhankuta16 Women Enterprises Association of Nepal 2001/09/24 Kathmandu17 Center for Women's Right and Development 2002/04/30 Kathmandu18 MANUSHI 2002/05/03 Kathmandu19 Life Development Society 2002/06/18 Morang20 Women Development and Child Care Foundation 2002/07/02 Saptari21 Mahila Adarsha Sewa Kendra 2002/07/02 Kthmandu22 Patan Buisiness and Professional Women 2002/07/02 Lalitpur23 Women Development Centre 2002/07/02 Chitwan24 Womens Self -Relient Society 2002/07/14 Chitwan25 Women Development Centre of Nepal 2002/07/12 Lalitpur26 Bhagawan Youth Club, Alapot, Ktm. 2002/07/23 Kathmandu27 Creative Women Environment Development Association,Kathmandu 2002/07/24 Kathmandu28 Srijana Community Development Center,Siraha 2002/07/25 Siraha29 Shreejana Development Center,Kaski 2002/08/22 Kaski30 Cottage & Small Industries Organization,Kathmandu 2002/09/02 Kathmandu31 Rural Area Dev. & Research Programme,Parbat 2002/09/03 Parbat32 Adarsha Yuba Club,Bhaktapur 2002/09/06 Bhaktapur33 Society Welfare Action Nepal (SWAN),Dang 2002/10/25 Dang34 Social Upgrade in Progress of Education Region (SUPER),Dang 2002/10/29 Dang35 Nepal Women Community Service Center,Dang 2002/10/30 Dang36 Forum for Rural Women Ardency Development,Sunsary 2002/12/30 Sunsari37 Gramin Mahila Bikash Sanstha 2003/04/23 Dang38 Ama Samaj Shangh,Chitawan 2003/04/29 Chitwan39 Gramin Mahila Utthan Kendra,Dang 2003/06/18 Dang40 Khurkot Youba Club ,Parbat 2003/09/14 Parbat41 Tharu Tatha Raji Mahila Samaj,Kailali. 2003/09/18 Kailali42 Nari Avudya Kendra 2003/10/24 Chitwan43 Mahila Upakar Manch 2003/10/29 Banke44 Chhimek Samaj Sewa Sanstha 2004/09/29 Kathmandu45 Sawabalamban Bikash Kendra 2004/11/01 Kathmandu46 Bikash Aayojana Sewa Kendra 2004/11/01 Kathmandu47 Grameen Swyamsewak samaj 2005/11/20 Sarlahi

Names Operation Date(A.D.) Head Office

LIST OF NON GOVERNMENT ORGANIZATION (NON CLASIFIED)

79

NEPAL RASTRA BANK Banks And Financial Institutions Regulation Department

Central Office, Baluwatar, Kathmandu Phone No: 977-01-4411407, Fax No:977-01- 4414552

PO Box no: 73, E-mail: [email protected] Web Site: www.nrb.org.np

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