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BANKING & FINANCIAL STATISTICS · Mid‐Nov/Mid‐Dec Marga Mid‐Dec/Mid‐Jan Poush...
Transcript of BANKING & FINANCIAL STATISTICS · Mid‐Nov/Mid‐Dec Marga Mid‐Dec/Mid‐Jan Poush...
BANKING & FINANCIAL STATISTICSMonthly
NEPAL RASTRA BANKBank & Financial Institution Regulation Department
Statistics Division
2068 Marg(Mid Dec, 2011)
(Provisional)
870 862 877907 919 939
704 699 703 714 713 719
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Content
Page1. Explanatory note 1
2. Statement of Assets & Liabilities of Bank & Financial Institutions (Aggregate) 2
3. Statement of Assets and Liabilities a. Commercial banks 10b. Development banks 12c. Finance companies 18
4. Profit & Loss accounta. Commercial banks 25b. Development banks 29c. Finance companies 40
5. Sector‐ wise, product‐wise and security‐wise credita. Commercial banks 50b. Development banks 52c. Finance companies 57
6. Micro‐credit development banks a. Aggregate statement of assets and liabilities 62b. Statement of assets and liabilities (individual institution) 63c. Profit & loss account 65d. Progress report 68
7. List of bank and financial institutions with short name 72
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Gregorian Month
Mid‐Apr/Mid‐May BaisakhMid‐May/Mid‐June JesthaMid‐June/Mid‐July AshadhMid‐July/Mid‐Aug ShrawanMid‐Aug /Mid‐Sept BhadraMid‐Sept/Mid‐Oct AswinMid‐Oct/Mid‐Nov KartikMid‐Nov/Mid‐Dec MargaMid‐Dec/Mid‐Jan PoushMid‐Jan/Mid‐Feb MaghMid‐Feb/Mid‐Mar FalgunMid‐Mar/Mid‐Apr Chaitra
4 Statistics of following Licensed BFIs have been used.
Commercial Banks
Development Banks
Finance Companies
Micro –Credits Total
Data available , out of total number 31 89 78 17 215Total Number of Licensed BFIs 31 89 79 21 220
5 All the amount in this statistics are in million of rupees.
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Nepalese Month
Explanatory Notes
Statistic Figures are subject to change upon receipt of data from Bank and Financial Institutions.
Short Names of BFIs are used in notification and their full names have been provided in the last page (List of Bank & Financial Institutions).
"Banking and Financial Statistics, Monthly" contains statistical information of NRB licensed Banks and Financial Institutions (BFIs).
Blank spaces in the headings and sub‐headings indicate the unavailability of data or nil in transactions or not submitted in prescribed format.
The following months of the Gregorian Calendar year are the approximate equivalent of the months of the Nepalese Calendar Year:
1
Mid-Nov Mid-Dec 2009 2010 2011 2011 2011 Column Column Column Column
1 2 3 4 5 2/1 3/2 4/3 5/41 CAPITAL FUND 50,265.6 75,485.9 103,407.5 112,665.0 111,355.4 50.2 37.0 9.0 (1.2) a. Paid-up Capital 59,200.3 78,357.1 98,418.2 99,435.7 100,239.8 32.4 25.6 1.0 0.8 b. Statutory Reserves 10,768.4 14,234.2 17,727.3 19,700.3 19,866.3 32.2 24.5 11.1 0.8
c. Retained Earning (27,890.5) (27,003.3) (24,280.9) (18,779.7) (21,055.7) (3.2) (10.1) (22.7) 12.1d. Others Reserves 8,187.3 9,897.9 11,543.0 12,308.6 12,305.0 20.9 16.6 6.6 (0.0)
2 BORROWINGS 26,136.5 27,377.6 34,058.7 20,411.9 20,644.5 4.7 24.4 (40.1) 1.1 a. NRB 2,238.6 7,559.8 13,307.2 4,748.1 4,005.6 237.7 76.0 (64.3) (15.6)
b. "A"Class Licensed Institution 14,110.2 9,794.3 10,916.0 5,545.0 6,571.5 (30.6) 11.5 (49.2) 18.5c. Foreign Banks and Fin. Ins. 4,120.8 2,043.5 2,232.3 3,193.1 3,117.7 (50.4) 9.2 43.0 (2.4)d. Other Financial Ins. 2,135.0 4,247.5 1,453.4 1,339.6 1,360.8 98.9 (65.8) (7.8) 1.6e. Bonds and Securities 3,531.9 3,732.6 6,149.8 5,586.0 5,589.0 5.7 64.8 (9.2) 0.1
3 DEPOSITS 668,679.5 785,238.0 869,951.4 918,843.6 939,485.6 17.4 10.8 5.6 2.2a. Current 72,662.6 82,134.1 80,934.3 70,867.4 74,160.0 13.0 (1.5) (12.4) 4.6b. Savings 314,013.3 305,780.5 305,589.2 325,558.6 332,713.0 (2.6) (0.1) 6.5 2.2c. Fixed 183,054.1 265,134.6 332,726.3 357,228.5 359,930.8 44.8 25.5 7.4 0.8d. Call Deposits 91,663.2 122,927.9 139,308.2 152,637.4 159,490.6 34.1 13.3 9.6 4.5e. Others 7,286.3 9,260.9 11,393.4 12,551.7 13,191.3 27.1 23.0 10.2 5.1
4 Bills Payable 1,766.8 1,256.4 964.9 968.9 832.6 (28.9) (23.2) 0.4 (14.1)5 Other Liabilities 103,852.0 93,435.3 106,260.3 122,412.2 133,016.0 (10.0) 13.7 15.2 8.7
1. Loan Loss Provision 27,897.5 25,878.4 30,215.8 35,334.9 36,512.4 (7.2) 16.8 16.9 3.32. Interest Suspense a/c 29,443.1 27,923.6 28,130.0 33,398.3 34,416.1 (5.2) 0.7 18.7 3.03. Others 46,511.5 39,633.3 47,914.5 53,679.0 62,087.5 (14.8) 20.9 12.0 15.7
6 Reconcillation A/c 97,611.6 4,061.7 9,873.0 10,619.2 13,405.7 (95.8) 143.1 7.6 26.27 Profit & Loss A/c 19,293.2 21,114.2 20,201.9 3,743.5 4,403.7 9.4 (4.3) (81.5) 17.6
967,605.3 1,007,969.1 1,144,717.7 1,189,664.2 1,223,143.6 4.2 13.6 3.9 2.8
1 LIQUID FUNDS 138,395.4 150,503.2 147,994.0 186,406.2 189,009.8 8.7 (1.7) 26.0 1.4a. Cash Balance 17,754.0 20,454.9 23,950.2 24,261.1 22,708.3 15.2 17.1 1.3 (6.4) Nepalese Notes & Coins 16,894.5 19,977.5 23,410.2 23,162.6 21,573.1 18.2 17.2 (1.1) (6.9) Foreign Currency 859.5 477.4 540.0 1,098.5 1,135.2 (44.5) 13.1 103.4 3.3b. Bank Balance 96,767.1 97,818.2 90,221.7 134,903.8 135,824.9 1.1 (7.8) 49.5 0.7 1. In Nepal Rastra Bank 60,247.8 54,779.2 54,649.3 100,433.2 97,721.3 (9.1) (0.2) 83.8 (2.7) 2. "A"Class Licensed Institution 23,652.8 23,351.1 15,882.0 15,403.1 17,447.7 (1.3) (32.0) (3.0) 13.3 3. Other Financial Ins. 4,878.9 9,394.3 9,176.5 7,762.0 7,729.9 92.5 (2.3) (15.4) (0.4) 4. In Foreign banks 7,987.6 10,293.7 10,513.9 11,305.6 12,925.9 28.9 2.1 7.5 14.3c. Money at Call 23,874.2 32,230.1 33,822.1 27,241.4 30,476.6 35.0 4.9 (19.5) 11.9
2 INVESTMENTS 70,346.5 84,641.5 107,562.4 110,792.3 119,705.0 20.3 27.1 3.0 8.0a. Govt.Securities 69,944.5 81,922.1 105,115.1 108,273.4 118,449.0 17.1 28.3 3.0 9.4b Others 402.0 2,719.3 2,447.2 2,518.9 1,256.0 576.4 (10.0) 2.9 (50.1)
3 SHARE & OTHER INVESTMENT 68,688.6 60,629.2 53,582.9 52,561.5 54,476.3 (11.7) (11.6) (1.9) 3.64 LOANS & ADVANCES 499,892.6 609,921.9 698,779.0 705,529.7 711,815.7 22.0 14.6 1.0 0.9
a. Private Sector 432,730.1 593,596.8 675,113.9 681,042.5 687,199.2 37.2 13.7 0.9 0.9b. Financial Institutions 12,581.8 12,812.2 17,300.0 17,637.9 18,312.3 1.8 35.0 2.0 3.8c. Government Organizations 54,580.7 3,513.0 6,365.1 6,849.4 6,304.2 (93.6) 81.2 7.6 (8.0)
5 BILL PURCHED 3,907.6 2,257.0 5,149.7 6,945.8 7,151.8 (42.2) 128.2 34.9 3.06 LOANS AGT. COLLECTED BILLS 17.9 98.6 96.0 354.5 352.8 452.2 (2.7) 269.4 (0.5)7 FIXED ASSETS 15,004.6 20,405.9 24,260.6 25,545.5 25,678.8 36.0 18.9 5.3 0.58 OTHER ASSETS 64,802.8 69,231.8 79,138.1 91,263.7 98,169.1 6.8 14.3 15.3 7.6
a. Accrued Interests 29,905.2 29,133.1 29,689.7 37,978.5 40,922.5 (2.6) 1.9 27.9 7.8 b. Others 34,897.6 40,098.7 49,448.4 53,285.2 57,246.6 14.9 23.3 7.8 7.4
9 Expenses not Written off 622.8 617.8 775.3 671.7 676.4 (0.8) 25.5 (13.4) 0.710 Non Banking Assets 2,306.4 1,829.1 1,549.7 1,989.4 1,994.7 (20.7) (15.3) 28.4 0.311 Reconcillation Account 95,774.6 7,397.6 21,980.3 5,220.7 10,605.9 (92.3) 197.1 (76.2) 103.212 Profit & Loss A/c 7,845.3 435.5 3,849.8 2,383.2 3,507.5 (94.4) 784.0 (38.1) 47.2
967,605.3 1,007,969.1 1,144,717.7 1,189,664.2 1,223,143.8 4.2 13.6 3.9 2.8
Statement of Assets and Liabilities of Bank & Financial Institutions (Aggregat
Liabilities Mid-July Rs in million
TOTALAssets
TOTAL
Percentage change
2
Mid-Nov Mid-Dec 2009 2010 2011 2011 2011 ColumnColum ColumnColumn
1 2 3 4 5 2/1 3/2 4/3 5/41 CAPITAL FUND 30,399.5 40,719.8 59,064.4 69,278.3 68,141.8 33.9 45.1 17.3 (1.6) a. Paid-up Capital 40,738.3 46,630.4 58,294.9 58,996.3 59,714.5 14.5 25.0 1.2 1.2 b. Statutory Reserves 9,514.2 12,146.3 14,925.9 16,365.4 16,468.3 27.7 22.9 9.6 0.6
c. Retained Earning (27,143.0) (26,722.0) (24,831.2) (17,343.1) (19,336.3) (1.6) (7.1) (30.2) 11.5d. Others Reserves 7,290.1 8,665.1 10,674.8 11,259.7 11,295.3 18.9 23.2 5.5 0.3
2 BORROWINGS 18,320.2 19,783.9 24,852.8 14,805.2 15,356.7 8.0 25.6 (40.4) 3.7 a. NRB 2,154.3 6,752.6 10,226.1 3,774.2 3,607.6 213.5 51.4 (63.1) (4.4)
b. "A"Class Licensed Institution 8,132.5 4,816.8 6,321.0 2,389.9 3,183.5 (40.8) 31.2 (62.2) 33.2c. Foreign Banks and Fin. Ins. 4,012.7 1,933.3 1,868.1 2,833.4 2,757.9 (51.8) (3.4) 51.7 (2.7)d. Other Financial Ins. 520.7 2,553.4 379.9 280.0 280.0 390.4 (85.1) (26.3) 0.0e. Bonds and Securities 3,500.0 3,727.8 6,057.8 5,527.8 5,527.8 6.5 62.5 (8.7) 0.0
3 DEPOSITS 563,604.5 630,880.8 687,587.9 735,716.0 754,544.9 11.9 9.0 7.0 2.6a. Current 71,651.0 80,606.2 78,982.9 69,271.8 72,453.9 12.5 (2.0) (12.3) 4.6b. Savings 259,925.4 237,709.3 231,094.4 245,883.3 251,212.8 (8.5) (2.8) 6.4 2.2c. Fixed 141,259.4 200,058.5 253,586.4 280,649.8 283,494.2 41.6 26.8 10.7 1.0d. Call Deposits 84,709.7 105,687.2 116,624.7 131,689.1 138,562.7 24.8 10.3 12.9 5.2e. Others 6,058.9 6,819.7 7,299.5 8,222.0 8,821.2 12.6 7.0 12.6 7.3
4 Bills Payable 1,738.5 1,226.0 942.9 920.3 821.9 (29.5) (23.1) (2.4) (10.7)5 Other Liabilities 87,709.2 77,413.0 84,386.3 92,623.4 100,606.9 (11.7) 9.0 9.8 8.6
1. Loan Loss Provision 23,682.5 21,631.8 21,340.1 23,872.7 24,833.4 (8.7) (1.3) 11.9 4.02. Interest Suspense a/c 27,666.2 24,101.3 23,249.4 25,800.2 25,937.3 (12.9) (3.5) 11.0 0.53. Others 36,360.4 31,679.9 39,796.8 42,950.4 49,836.2 (12.9) 25.6 7.9 16.0
6 Reconcillation A/c 95,621.7 1,234.6 5,931.6 6,307.9 9,319.3 (98.7) 380.4 6.3 47.77 Profit & Loss A/c 14,772.4 16,042.8 15,598.5 3,347.1 4,017.2 8.6 (2.8) (78.5) 20.0
812,165.9 787,300.9 878,364.5 922,998.1 952,808.6 (3.1) 11.6 5.1 3.2
1 LIQUID FUNDS 105,989.0 102,749.0 98,071.7 135,195.0 135,572.3 (3.1) (4.6) 37.9 0.3a. Cash Balance 15,839.2 17,573.1 20,265.2 20,262.3 18,678.3 10.9 15.3 (0.0) (7.8) Nepalese Notes & Coins 15,014.6 17,137.2 19,765.0 19,216.2 17,608.6 14.1 15.3 (2.8) (8.4) Foreign Currency 824.6 435.9 500.3 1,046.2 1,069.8 (47.1) 14.8 109.1 2.3b. Bank Balance 75,438.8 69,551.5 63,293.3 106,731.1 106,123.0 (7.8) (9.0) 68.6 (0.6) 1. In Nepal Rastra Bank 55,539.2 49,542.7 48,727.4 92,394.2 90,234.3 (10.8) (1.6) 89.6 (2.3) 2. "A"Class Licensed Institution 11,505.6 8,460.4 3,826.0 3,066.3 3,145.8 (26.5) (54.8) (19.9) 2.6 3. Other Financial Ins. 415.4 1,333.7 284.6 24.1 14.8 221.1 (78.7) (91.5) (38.7) 4. In Foreign banks 7,978.6 10,214.7 10,455.2 11,246.5 12,728.0 28.0 2.4 7.6 13.2c. Money at Call 14,711.1 15,624.4 14,513.2 8,201.5 10,771.0 6.2 (7.1) (43.5) 31.3
2 INVESTMENTS 69,261.4 81,343.8 102,655.9 105,800.7 114,247.9 17.4 26.2 3.1 8.0a. Govt.Securities 68,902.0 79,079.6 100,267.3 103,356.7 113,140.0 14.8 26.8 3.1 9.5b Others 359.4 2,264.2 2,388.6 2,444.0 1,107.9 530.0 5.5 2.3 (54.7)
3 SHARE & OTHER INVESTMEN 61,595.5 52,697.3 46,901.4 47,725.1 50,076.5 (14.4) (11.0) 1.8 4.94 LOANS & ADVANCES 398,143.0 467,107.2 522,853.3 531,784.9 537,957.5 17.3 11.9 1.7 1.2
a. Private Sector 387,543.3 453,049.0 503,339.4 513,673.6 519,243.3 16.9 11.1 2.1 1.1b. Financial Institutions 7,991.7 11,270.6 13,362.3 11,447.1 12,584.6 41.0 18.6 (14.3) 9.9c. Government Organizations 2,608.0 2,787.6 6,151.5 6,664.1 6,129.6 6.9 120.7 8.3 (8.0)
5 BILL PURCHED 3,745.7 2,172.6 5,073.8 6,905.7 7,117.7 (42.0) 133.5 36.1 3.16 LOANS AGT. COLLECTED BILLS 17.9 98.6 96.0 354.5 352.8 452.2 (2.7) 269.4 (0.5)7 FIXED ASSETS 11,004.8 13,896.1 16,098.8 17,232.8 17,303.3 26.3 15.9 7.0 0.48 OTHER ASSETS 59,152.5 60,702.9 66,675.1 74,702.7 80,559.7 2.6 9.8 12.0 7.8
a. Accrued Interests 28,776.5 25,188.4 24,341.4 30,014.0 32,058.0 (12.5) (3.4) 23.3 6.8 b. Others 30,376.0 35,514.6 42,333.7 44,688.7 48,501.6 16.9 19.2 5.6 8.5
9 Expenses not Written off 475.2 458.8 600.7 505.2 508.6 (3.4) 30.9 (15.9) 0.710 Non Banking Assets 1,889.1 1,616.6 1,376.6 1,618.2 1,617.4 (14.4) (14.8) 17.6 (0.0)11 Reconcillation Account 93,915.3 4,457.9 17,961.1 829.3 6,552.5 (95.3) 302.9 (95.4) 690.112 Profit & Loss A/c 6,976.4 0.0 0.0 344.0 942.4 (100.0) 0.0 0.0 174.0
812,165.9 787,300.9 878,364.5 922,998.1 952,808.6 (3.1) 11.6 5.1 3.2
TOTAL
Percentage change
TOTAL
Assets
Rs in million
Mid-July Liabilities
Statement of Assets and Liabilities of Commercial Bank
3
Mid-Nov Mid-Dec 2009 2010 2011 2011 2011 ColumnColum ColumnColumn
1 2 3 4 5 2/1 3/2 4/3 5/41 CAPITAL FUND 9,325.1 15,328.2 22,524.6 23,069.7 23,103.8 64.4 46.9 2.4 0.1 a. Paid-up Capital 9,140.9 14,535.3 20,895.1 21,064.8 21,150.4 59.0 43.8 0.8 0.4 b. Statutory Reserves 244.8 697.9 1,138.3 1,445.9 1,460.0 185.1 63.1 27.0 1.0
c. Retained Earning (449.9) (443.9) 67.7 38.2 (12.2) (1.3) (115.2) (43.6) (132.0)d. Others Reserves 389.3 538.9 423.6 520.9 505.5 38.4 (21.4) 23.0 (3.0)
2 BORROWINGS 2,622.6 4,442.8 4,700.0 2,866.3 2,768.9 69.4 5.8 (39.0) (3.4) a. NRB 84.3 660.7 2,433.7 728.6 290.0 683.7 268.4 (70.1) (60.2)
b. "A"Class Licensed Institution 1,969.6 2,858.6 1,334.0 1,253.1 1,609.8 45.1 (53.3) (6.1) 28.5c. Foreign Banks and Fin. Ins. 38.1 110.2 364.2 359.8 359.8 189.2 230.5 (1.2) 0.0d. Other Financial Ins. 528.7 808.6 557.1 466.7 448.2 52.9 (31.1) (16.2) (4.0)e. Bonds and Securities 1.9 4.8 11.0 58.2 61.2 152.0 130.1 428.2 5.2
3 DEPOSITS 48,001.6 76,950.8 96,886.7 100,229.6 101,770.9 60.3 25.9 3.5 1.5a. Current 519.7 1,417.4 1,860.5 1,541.2 1,647.9 172.7 31.3 (17.2) 6.9b. Savings 26,551.0 36,106.4 42,968.3 46,328.1 47,563.9 36.0 19.0 7.8 2.7c. Fixed 14,416.2 24,242.1 31,162.9 31,881.4 32,121.4 68.2 28.5 2.3 0.8d. Call Deposits 5,975.3 14,605.3 20,407.7 19,821.1 19,735.7 144.4 39.7 (2.9) (0.4)e. Others 539.4 579.5 487.3 657.8 701.9 7.4 (15.9) 35.0 6.7
4 Bills Payable 27.4 6.0 17.8 46.1 10.1 (78.1) 196.1 159.1 (78.1)5 Other Liabilities 5,584.5 8,151.2 10,858.3 13,717.9 14,953.3 46.0 33.2 26.3 9.0
1. Loan Loss Provision 2,162.1 1,921.5 3,520.4 3,927.5 3,932.3 (11.1) 83.2 11.6 0.12. Interest Suspense a/c 961.5 2,821.7 3,189.4 4,103.5 4,524.2 193.5 13.0 28.7 10.33. Others 2,460.9 3,407.9 4,148.5 5,686.9 6,496.8 38.5 21.7 37.1 14.2
6 Reconcillation A/c 877.8 1,412.6 2,577.4 2,868.1 2,712.7 60.9 82.5 11.3 (5.4)7 Profit & Loss A/c 1,570.3 2,168.2 2,171.4 218.7 168.3 38.1 0.1 (89.9) (23.1)
68,009.3 108,459.7 139,736.2 143,016.5 145,487.9 59.5 28.8 2.3 1.7
1 LIQUID FUNDS 15,999.8 26,036.3 29,411.3 31,089.7 32,214.5 62.7 13.0 5.7 3.6a. Cash Balance 1,309.4 1,932.3 2,465.0 2,749.8 2,763.5 47.6 27.6 11.6 0.5 Nepalese Notes & Coins 1,275.8 1,891.5 2,427.0 2,698.4 2,698.7 48.3 28.3 11.2 0.0 Foreign Currency 33.6 40.7 38.1 51.4 64.7 21.2 (6.5) 35.0 25.9b. Bank Balance 10,901.5 13,190.5 13,229.8 14,857.9 15,786.6 21.0 0.3 12.3 6.3 1. In Nepal Rastra Bank 2,441.6 2,698.2 3,511.9 4,712.3 4,396.3 10.5 30.2 34.2 (6.7) 2. "A"Class Licensed Institution 6,185.5 6,785.6 5,973.6 6,262.6 7,582.0 9.7 (12.0) 4.8 21.1 3. Other Financial Ins. 2,265.4 3,627.7 3,685.7 3,823.9 3,610.4 60.1 1.6 3.7 (5.6) 4. In Foreign banks 9.0 79.0 58.6 59.1 197.9 777.7 (25.8) 0.8 235.1c. Money at Call 3,788.9 10,913.5 13,716.4 13,482.0 13,664.5 188.0 25.7 (1.7) 1.4
2 INVESTMENTS 269.4 2,073.1 2,519.6 2,673.4 3,118.5 669.5 21.5 6.1 16.7a. Govt.Securities 256.8 1,633.3 2,497.0 2,650.1 3,095.2 536.0 52.9 6.1 16.8b Others 12.6 439.8 22.6 23.3 23.3 3390.7 (94.9) 3.2 0.0
3 SHARE & OTHER INVESTMEN 4,643.3 4,728.7 3,343.5 2,747.2 2,507.9 1.8 (29.3) (17.8) (8.7)4 LOANS & ADVANCES 41,828.4 65,827.9 88,923.3 89,590.6 90,296.6 57.4 35.1 0.8 0.8
a. Private Sector 0.0 65,642.9 88,169.2 86,629.4 87,595.2 0.0 34.3 (1.7) 1.1b. Financial Institutions 0.0 177.8 609.7 2,833.6 2,584.5 0.0 243.0 364.7 (8.8)c. Government Organizations 41,828.4 7.2 144.4 127.6 116.9 (100.0) 1899 (11.6) (8.4)
5 BILL PURCHED 5.0 10.2 45.7 26.8 23.7 103.4 349.5 (41.4) (11.5)6 LOANS AGT. COLLECTED BILLS 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.07 FIXED ASSETS 1,321.6 2,774.8 3,828.1 3,956.5 4,011.9 110.0 38.0 3.4 1.48 OTHER ASSETS 2,757.7 5,186.0 7,635.1 9,117.4 9,651.2 88.1 47.2 19.4 5.9
a. Accrued Interests 261.2 2,903.6 3,339.1 4,225.3 4,677.7 1011.6 15.0 26.5 10.7 b. Others 2,496.5 2,282.4 4,296.0 4,892.1 4,973.6 (8.6) 88.2 13.9 1.7
9 Expenses not Written off 85.2 79.2 110.6 96.8 97.9 (7.1) 39.7 (12.5) 1.110 Non Banking Assets 112.0 24.3 12.7 203.1 203.1 (78.3) (47.7) 1496.3 0.011 Reconcillation Account 779.1 1,511.7 2,617.5 2,870.6 2,559.2 94.0 73.1 9.7 (10.8)12 Profit & Loss A/c 207.8 207.5 1,288.8 644.4 803.6 (0.1) 521.1 (50.0) 24.7
68,009.3 108,459.7 139,736.2 143,016.4 145,488.1 59.5 28.8 2.3 1.7
TOTAL
Mid July Percentage changesRs in million
TOTAL
Assets
Statement of Assets and Liabilities of Development Banks
Liabilities
4
Mid-Nov Mid-Dec 2009 2010 2011 2011 2011 ColumnColum ColumnColumn
1 2 3 4 5 2/1 3/2 4/3 5/41 CAPITAL FUND 10,541.0 19,437.9 21,818.4 20,317.0 20,109.8 84.4 12.2 (6.9) (1.0) a. Paid-up Capital 9,321.1 17,191.3 19,228.2 19,374.7 19,374.9 84.4 11.8 0.8 0.0 b. Statutory Reserves 1,009.5 1,390.0 1,663.1 1,889.1 1,937.9 37.7 19.6 13.6 2.6
c. Retained Earning (297.6) 162.6 482.6 (1,474.7) (1,707.2) (154.6) 196.7 (405.6) 15.8d. Others Reserves 507.9 693.9 444.5 527.9 504.2 36.6 (35.9) 18.8 (4.5)
2 BORROWINGS 5,193.7 3,151.0 4,505.8 2,740.3 2,518.9 (39.3) 43.0 (39.2) (8.1) a. NRB 0.0 146.5 647.5 245.3 108.0 0.0 342.0 (62.1) (56.0)
b. "A"Class Licensed Institution 4,008.1 2,119.0 3,261.0 1,902.1 1,778.3 (47.1) 53.9 (41.7) (6.5)c. Foreign Banks and Fin. Ins. 70.0 0.0 0.0 0.0 0.0 (100.0) 0.0 0.0 0.0d. Other Financial Ins. 1,085.6 885.5 516.4 593.0 632.6 (18.4) (41.7) 14.8 6.7e. Bonds and Securities 30.0 0.0 81.0 0.0 0.0 (100.0) 0.0 (100.0) 0.0
3 DEPOSITS 57,073.4 77,406.3 85,476.9 82,898.0 83,169.9 35.6 10.4 (3.0) 0.3a. Current 491.9 110.5 90.9 54.5 58.2 (77.5) (17.7) (40.1) 6.8b. Savings 27,536.9 31,964.8 31,526.5 33,347.2 33,936.2 16.1 (1.4) 5.8 1.8c. Fixed 27,378.5 40,834.0 47,977.0 44,697.3 44,315.2 49.1 17.5 (6.8) (0.9)d. Call Deposits 978.2 2,635.4 2,275.9 1,127.1 1,192.2 169.4 (13.6) (50.5) 5.8e. Others 688.0 1,861.8 3,606.6 3,671.9 3,668.1 170.6 93.7 1.8 (0.1)
4 Bills Payable 1.0 24.4 4.2 2.5 0.6 2449.2 (82.8) (41.1) (75.2)5 Other Liabilities 10,558.3 7,871.1 11,015.7 16,070.9 17,455.8 (25.5) 40.0 45.9 8.6
1. Loan Loss Provision 2,052.8 2,325.1 5,355.3 7,534.6 7,746.7 13.3 130.3 40.7 2.82. Interest Suspense a/c 815.3 1,000.5 1,691.2 3,494.7 3,954.6 22.7 69.0 106.6 13.23. Others 7,690.1 4,545.5 3,969.2 5,041.6 5,754.5 (40.9) (12.7) 27.0 14.1
6 Reconcillation A/c 1,112.1 1,414.6 1,364.0 1,443.2 1,373.8 27.2 (3.6) 5.8 (4.8)7 Profit & Loss A/c 2,950.6 2,903.2 2,432.0 177.7 218.3 (1.6) (16.2) (92.7) 22.8
87,430.1 112,208.5 126,617.0 123,649.7 124,847.1 28.3 12.8 (2.3) 1.0
1 LIQUID FUNDS 16,406.6 21,717.9 20,511.0 20,121.6 21,223.0 32.4 (5.6) (1.9) 5.5a. Cash Balance 605.4 949.5 1,219.9 1,248.9 1,266.5 56.8 28.5 2.4 1.4 Nepalese Notes & Coins 604.2 948.7 1,218.3 1,248.1 1,265.8 57.0 28.4 2.4 1.4 Foreign Currency 1.3 0.8 1.7 0.9 0.7 (37.6) 108.0 (48.7) (21.4)b. Bank Balance 10,426.9 15,076.2 13,698.6 13,314.8 13,915.4 44.6 (9.1) (2.8) 4.5 1. In Nepal Rastra Bank 2,267.0 2,538.3 2,410.0 3,326.7 3,090.8 12.0 (5.1) 38.0 (7.1) 2. "A"Class Licensed Institution 5,961.7 8,105.1 6,082.4 6,074.1 6,719.9 36.0 (25.0) (0.1) 10.6 3. Other Financial Ins. 2,198.2 4,432.8 5,206.2 3,914.0 4,104.7 101.7 17.4 (24.8) 4.9 4. In Foreign banks 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0c. Money at Call 5,374.2 5,692.2 5,592.5 5,557.9 6,041.1 5.9 (1.8) (0.6) 8.7
2 INVESTMENTS 815.7 1,224.6 2,386.8 2,318.2 2,338.5 50.1 94.9 (2.9) 0.9a. Govt.Securities 785.7 1,209.3 2,350.8 2,266.6 2,213.7 53.9 94.4 (3.6) (2.3)b Others 30.0 15.3 36.0 51.6 124.8 (49.2) 136.0 43.3 141.9
3 SHARE & OTHER INVESTMEN 2,449.8 3,203.2 3,337.9 2,089.2 1,891.9 30.8 4.2 (37.4) (9.4)4 LOANS & ADVANCES 59,921.2 76,986.8 87,002.3 84,154.3 83,561.6 28.5 13.0 (3.3) (0.7)
a. Private Sector 45,186.8 74,904.8 83,605.2 80,739.5 80,360.8 65.8 11.6 (3.4) (0.5)b. Financial Institutions 4,590.1 1,363.8 3,327.9 3,357.1 3,143.1 (70.3) 144.0 0.9 (6.4)c. Government Organizations 10,144.3 718.2 69.2 57.7 57.7 (92.9) (90.4) (16.6) (0.0)
5 BILL PURCHED 156.9 74.3 30.2 13.3 10.4 (52.7) (59.4) (56.0) (21.7)6 LOANS AGT. COLLECTED BILLS 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.07 FIXED ASSETS 2,678.2 3,734.9 4,333.7 4,356.1 4,363.6 39.5 16.0 0.5 0.28 OTHER ASSETS 2,892.6 3,342.9 4,828.0 7,443.6 7,958.3 15.6 44.4 54.2 6.9
a. Accrued Interests 867.6 1,041.1 2,009.2 3,739.2 4,186.8 20.0 93.0 86.1 12.0 b. Others 2,025.1 2,301.8 2,818.8 3,704.4 3,771.4 13.7 22.5 31.4 1.8
9 Expenses not Written off 62.4 79.7 64.0 69.7 70.0 27.7 (19.7) 8.9 0.410 Non Banking Assets 305.3 188.2 160.4 168.1 174.2 (38.4) (14.8) 4.8 3.611 Reconcillation Account 1,080.2 1,428.0 1,401.7 1,520.7 1,494.2 32.2 (1.8) 8.5 (1.7)12 Profit & Loss A/c 661.1 228.0 2,561.1 1,394.9 1,761.5 (65.5) 1023 (45.5) 26.3
87,430.1 112,208.5 126,617.0 123,649.7 124,847.1 28.3 12.8 (2.3) 1.0
Rs in million
Percentage changes
Statement of Assets and Liabilities of Finance Companie
TOTAL
Liabilities Mid July
TOTALAssets
5
Rs. In million
Liabilities Class "A" Class "B" Class "C" Total1 CAPITAL FUND 68,141.8 23,103.8 20,109.8 111,355.4 a. Paid‐up Capital 59,714.5 21,150.4 19,374.9 100,239.8
b. Calls in Advance 131.8 186.0 317.8 c. General Reserves 16,468.3 1,460.0 1,937.9 19,866.3
d. Share Premium 248.4 63.5 84.6 396.5e. Retained Earning ‐19,336.3 ‐12.2 ‐1,707.2 ‐21,055.7f. Others Reserves Fund 10,240.1 305.4 233.6 10,779.1g. Exchange Fluctuation Fund 806.8 4.8 811.6
2 BORROWINGS 15,356.7 2,768.9 2,518.9 20,644.5 a. NRB 3,607.6 290.0 108.0 4,005.6
b. "A"Class Licensed Institution 3,183.5 1,609.8 1,778.3 6,571.5c. Foreign Banks and Fin. Ins. 2,757.9 359.8 3,117.7d. Other Financial Ins. 280.0 448.2 632.6 1,360.8e. Bonds and Securities 5,527.8 61.2 5,589.0
3 DEPOSITS 754,544.9 101,770.9 83,169.9 939,485.6a. Current 72,453.9 1,647.9 58.2 74,160.0 Domestic 60,788.1 1,639.5 58.2 62,485.8 Foreign 11,665.9 8.4 11,674.3b. Savings 251,212.8 47,563.9 33,936.2 332,713.0 Domestic 245,640.2 47,475.8 33,753.5 326,869.6 Foreign 5,572.6 88.1 182.7 5,843.4c. Fixed 283,494.2 32,121.4 44,315.2 359,930.8 Domestic 250,273.1 31,537.5 44,315.2 326,125.7 Foreign 33,221.1 583.9 33,805.0d. Call Deposits 138,562.7 19,735.7 1,192.2 159,490.6e. Others 8,821.2 701.9 3,668.1 13,191.3
4 Bills Payable 821.9 10.1 0.6 832.65 Other Liabilities 100,606.9 14,953.3 17,455.8 133,016.0
1. Sundry Creditors 13,526.3 439.0 653.1 14,618.4 2. Loan Loss Provision 24,833.4 3,932.3 7,746.7 36,512.4 3. Interest Suspense a/c 25,937.3 4,524.2 3,954.6 34,416.1 4. Others 36,309.9 6,057.9 5,101.5 47,469.2
6 Reconcillation A/c 9,319.3 2,712.7 1,373.8 13,405.77 Profit & Loss A/c 4,017.2 168.3 218.3 4,403.7
952,808.6 145,487.9 124,847.1 1,223,143.6TOTAL LIABILITIES
Statement of Assets and Liabilitiesas on Marg end, 2068
6
Assets Class "A" Class "B" Class "C" Total1 LIQUID FUNDS 135,572.3 32,214.5 21,223.0 189,009.8
a. Cash Balance 18,678.3 2,763.5 1,266.5 22,708.3 Nepalese Notes & Coins 17,608.6 2,698.7 1,265.8 21,573.1 Foreign Currency 1,069.8 64.7 0.7 1,135.2b. Bank Balance 106,123.0 15,786.6 13,915.4 135,824.9 1. In Nepal Rastra Bank 90,234.3 4,396.3 3,090.8 97,721.3 Domestic Currency 89,529.8 4,374.8 3,090.8 96,995.4 Foreign Currency 704.5 21.4 0.0 726.0 2. "A"Class Licensed Institution 3,145.8 7,582.0 6,719.9 17,447.7 Domestic Currency 2,832.7 7,575.7 6,719.8 17,128.2 Foreign Currency 313.1 6.3 0.1 319.5 3. Other Financial Ins. 14.8 3,610.4 4,104.7 7,729.9 4. In Foreign Banks 12,728.0 197.9 12,925.9c. Money at Call 10,771.0 13,664.5 6,041.1 30,476.6 Domestic Currency 2,860.1 13,413.2 5,873.5 22,146.9 Foreign Currency 7,910.9 251.2 167.6 8,329.8
2 INVESTMENT IN SECURITIES 114,247.9 3,118.5 2,338.5 119,705.0a. Govt.Securities 113,140.0 3,095.2 2,213.7 118,449.0b. NRB Bond 502.8 10.0 72.9 585.7c. Govt.Non‐Fin. Ins. 270.8 270.8d. Other Non‐Fin Ins. 120.0 13.3 51.6 184.9e Non Residents 214.3 0.3 214.6
3 SHARE & OTHER INVESTMENT 50,076.5 2,507.9 1,891.9 54,476.3 a. Non Residents 39,733.5 135.7 46.0 39,915.2 b. Others 10,343.0 2,372.2 1,845.9 14,561.1
4 LOANS & ADVANCES 537,957.5 90,296.6 83,561.6 711,815.7 a. Private Sector 519,243.3 87,595.2 80,360.8 687,199.2 b. Financial Institutions 12,584.6 2,584.5 3,143.1 18,312.3 c. Government Organizations 6,129.6 116.9 57.7 6,304.2
5 BILL PURCHASED 7,117.7 23.7 10.4 7,151.8 a. Domestic Bills Purchased 444.7 23.7 10.4 478.8 b. Foreign Bills Purchased 1,864.5 1,864.5 c. Import Bills & Imports 4,808.5 4,808.5
6 LOANS AGAINST COLLECTED BILLS 352.8 352.8 a. Against Domestic Bills 51.2 51.2 b. Against Foreign Bills 301.6 301.6
7 FIXED ASSETS 17,303.3 4,011.9 4,363.6 25,678.88 OTHER ASSETS 80,559.7 9,651.2 7,958.3 98,169.1
a. Accrued Interest: 32,058.0 4,677.7 4,186.8 40,922.5 Financial Institutions 2,297.6 2,509.8 224.6 5,032.1
Government Enterprises 268.9 12.3 7.8 288.9 Private Sector 29,491.6 2,155.6 3,954.4 35,601.5 b. Staff Loans / Adv. 13,664.7 496.2 311.0 14,471.9 c. Sundry Debtors 12,006.9 905.9 575.6 13,488.4 d. Cash In Transit 279.7 2.3 282.0 e. Others 22,550.4 3,569.1 2,884.9 29,004.4
9 Expenses not Written off 508.6 97.9 70.0 676.410 Non Banking Assets 1,617.4 203.1 174.2 1,994.711 Reconcillation Account 6,552.5 2,559.2 1,494.2 10,605.912 Profit & Loss A/c 942.4 803.6 1,761.5 3,507.5
952,808.6 145,488.1 124,847.1 1,223,143.8TOTAL ASSETS
7
Rs. In million
Expenses Class "A" Class "B" Class "C" Total 1 Interest Expenses 20,356.4 4,314.4 4,141.7 28,812.5 1.1 Deposit Liabilities 20,157.3 4,173.8 3,930.9 28,261.9 1.1.1 Saving A/c 4,932.2 1,712.0 1,360.8 8,004.9 1.1.2 Fixed A/c 11,225.5 1,649.8 2,464.2 15,339.6 1.1.2.1 Upto 3 Months Fixed A/c 878.0 92.2 95.5 1,065.7 1.1.2.2 3 to 6 Months fixed A/c 728.6 55.4 76.6 860.5 1.1.2.3 6 Months to 1 Year Fixed A/c 4,155.1 879.3 1,210.8 6,245.2 1.1.2.4 Above 1 Year 5,463.9 623.0 1,081.2 7,168.1 1.1.3 Call Deposit 3,992.0 812.0 105.9 4,909.8 1.1.4 Certificate of Deposits 7.6 0.1 7.7 1.2 Others 199.2 140.6 210.8 550.6 2 Commission/Fee Expense 131.9 2.5 1.0 135.4 3 Employees Expenses 3,906.1 627.5 420.9 4,954.5 4 Office Operatiing Expenses 3,210.2 682.1 442.2 4,334.5 5 Exchange Fluctuation Loss 13.0 9.4 22.4 5.1 Due to Change in Exchange Rates 0.0 9.4 9.4 5.2 Due to Foreign Currency Transactions 13.0 0.0 13.0 6 Non‐Operatiing Expenses 13.0 77.9 23.0 113.9 7. Provision for Risk 2,361.4 698.5 1,399.0 4,458.9 7.1 Loan loss Provision 2,337.6 576.8 1,392.6 4,306.9
7.1.1 General Loan loss Provision 419.0 126.0 118.7 663.7 7.1.2 Special Loan Loss Provision 1,866.5 450.6 1,247.7 3,564.7 7.1.3 Additional Loan Loss Provision 52.1 0.2 26.2 78.5
7.2. Provision for Non‐Banking Assets 17.4 119.2 4.2 140.7 7.3. Provision for Loss on Investment 5.5 2.0 2.3 9.8 7.4. Provision for Loss of Other Assets 1.0 0.5 1.5 8 Loan Written Off 97.3 0.5 97.8 9 Provision for Staff Bonus 435.7 28.6 16.5 480.810 Provision for Income Tax 1,277.1 83.4 48.6 1,409.111 Others 3.0 2.7 1.3 7.012 Net Profit 4,017.2 168.3 218.3 4,403.7
TOTAL EXPENSES 35,822.3 6,695.3 6,713.0 49,230.6
Income Class "A" Class "B" Class "C" Total 1. Interest Income 30,338.3 5,294.6 4,495.7 40,128.6 1.1. On Loans and Advance 26,688.7 4,504.4 3,916.8 35,109.9 1.2. On Investment 2,926.8 67.3 41.2 3,035.3 1.2.1 Government Bonds 2,636.9 55.6 34.3 2,726.9 1.2.2 Foreign Bonds 18.5 18.5 1.2.3 NRB Bonds 256.4 2.4 5.5 264.3 1.2.4 Deventure & Bonds 15.0 9.3 1.4 25.6 1.3 Agency Balance 196.5 41.2 42.2 279.9 1.4 On Call Deposit 182.1 509.8 263.0 954.9 1.5 Others 344.2 171.9 232.5 748.6 2. Comission & Discount 1,831.6 176.8 96.7 2,105.1 2.1 Bills Purchase & Discount 86.9 1.6 0.0 88.5 2.2 Comission 1,492.7 84.1 55.1 1,632.0 2.3 Others 252.0 91.1 41.5 384.6 3 Income From Exchange Fluctuation 1,327.8 13.6 14.4 1,355.8 3.1 Due to Change in Exchange Rate 467.8 4.3 14.4 486.5 3.2 Due to Foreign Currency Trans 860.0 9.3 869.3 4 Other Operating Income 668.1 221.4 167.7 1,057.1 5 Non Operating Income 47.8 26.4 16.8 90.9 6 Provision Written Back 696.4 158.5 149.9 1,004.9 7 Recovery from Written off Loan ‐210.4 0.4 10.4 ‐199.6 8 Income from Extra Ordinary Expenses 180.4 0.0 180.4 9 Net Loss 942.4 803.6 1,761.5 3,507.5
TOTAL INCOME 35,822.3 6,695.3 6,713.1 49,230.7
Agregate Profit & Loss Account
8
Rs. In million
Sectorwise Class "A" Class "B" Class "C" Total1 Agricultural and Forest Related 15,915.5 2,922.4 1,603.9 20,441.82 Fishery Related 1,728.3 30.0 10.4 1,768.83 Mining Related 3,153.1 224.0 217.8 3,594.94 Manufacturing (Producing) Related 124,904.6 7,222.6 6,816.6 138,943.75 Construction 55,291.0 11,437.6 13,332.9 80,061.56 Electricity,Gas and Water 8,104.6 1,281.4 261.6 9,647.77 Metal Products, Machinary & Electronic Equipment
& Assemblage 7,657.0 1,372.6 1,185.4 10,215.08 Transport, Communication and Public Utilities 25,223.0 8,703.5 7,295.1 41,221.59 Wholesaler & Retailer 107,264.6 17,888.5 13,984.9 139,138.1
10 Finance, Insurance and Real Estate 59,807.9 9,261.9 10,069.1 79,139.011 Hotel or Restaurant 13,047.8 3,054.6 2,585.5 18,687.912 Other Services 24,587.5 5,534.6 3,923.6 34,045.613 Consumption Loans 32,845.0 5,528.9 5,997.9 44,371.814 Local Government 1,015.2 32.0 58.2 1,105.415 Others 64,882.8 15,825.6 16,229.1 96,937.5
TOTAL 545,428.0 90,320.3 83,572.0 719,320.3
Product wise Class "A" Class "B" Class "C" Total1 Term Loan 86,366.2 11,084.7 13,187.7 110,638.62 Overdraft 91,788.1 22,109.4 723.7 114,621.33 Trust Receipt Loan / Import Loan 33,431.8 195.0 33,626.84 Demand & Other Working Capital Loan 123,188.8 12,093.7 20,221.1 155,503.65 Residential Personal Home Loan (Up to Rs. 80 Lakh) 29,968.3 6,468.7 6,832.5 43,269.56 Real Estate Loan 68,727.1 12,535.9 15,616.1 96,879.17 Margin Nature Loan 6,603.0 2,058.8 2,443.1 11,104.98 Hire Purchase Loan 34,773.2 10,190.7 8,597.9 53,561.89 Deprived Sector Loan 16,240.4 3,076.9 1,777.4 21,094.7
10 Bills Purchased 7,039.7 55.6 10.4 7,105.811 Other Product 47,301.4 10,450.8 14,162.0 71,914.2
545,428.0 90,320.3 83,572.0 719,320.3
Collateral Wise Class "A" Class "B" Class "C" Total1 Gold and Silver 17,511.4 1,067.5 216.9 18,795.82 Government Securities 2,618.7 21.2 38.1 2,678.03 Non Governmental Securities 4,859.5 1,703.6 1,077.7 7,640.84 Fixed Deposit Receipts 7,156.2 1,475.9 2,896.8 11,529.0
4.1 Own 6,606.5 1,474.0 2,896.8 10,977.34.2 Other Licences Institutions 549.7 2.0 0.0 551.7
5 Collateral of Properties 459,458.1 81,504.9 75,706.0 616,669.05.1 Fixed Assets 373,250.7 81,013.4 75,137.1 529,401.35.2 Current Assets 86,207.4 491.5 568.8 87,267.7
6 Against security of Bill 9,824.1 20.8 0.1 9,845.06.1 Domestic Bills 468.8 20.8 0.1 489.66.2 Foreign Bills 9,355.3 9,355.3
7 Against Guarantee 10,534.4 1,524.1 939.9 12,998.57.1 Government Guarantee 2,293.4 66.1 85.8 2,445.37.2 Institutional Guarantee 5,474.2 486.2 345.6 6,306.17.3 Personal Guarantee 1,140.6 745.0 346.5 2,232.17.4 Collective Guarantee 30.4 167.4 17.5 215.37.5 International Rated Foreign Bank's Guarantee 115.6 53.3 168.97.6 Other Guarantee 1,480.2 6.2 144.5 1,630.9
8 Credit Card 394.1 394.19 Others 33,071.6 3,002.2 2,696.5 38,770.2
Total 545,428.0 90,320.3 83,572.0 719,320.3
TOTAL LOAN & ADVANCES
Agregate Statement of Sector wise, Product wise and Security wise Credit
9
Statement of Assets and Liabilities as on Marg end 2068
Rs. in million
Liabilities NBL
RBB
NAB
IL
NIB
L
SCBN
L
HBL
NSB
I
NBB
L
EBL
BOK
NCC
1 CAPITAL FUND ‐4224.00 ‐7760.72 4566.52 5161.32 3677.78 4801.99 2972.76 2454.55 3113.53 2435.19 1873.31 a. Paid‐up Capital 380.00 1172.30 2029.77 3012.92 1610.17 2000.00 1869.30 2009.40 1391.57 1604.19 1400.00
b. Calls in Advance c. General Reserves 1609.00 2316.37 1836.50 1324.53 1636.33 1012.80 382.87 956.84 803.45 585.31 298.08
d. Share Premium 0.07 11.85 49.66 35.87 14.78 0.08e. Retained Earning ‐6869.00 ‐12921.72 493.39 255.54 96.66 1499.37 468.81 ‐679.25 36.09 13.37 140.91f. Others Reserves Fund 588.00 1576.43 109.28 519.28 75.43 266.73 191.91 74.67 844.74 195.33 33.35g. Exchange Fluctuation Fund 68.00 95.90 97.50 37.19 259.19 23.09 10.20 57.03 22.90 37.00 0.89
2 BORROWINGS 2167.00 2935.01 574.54 1279.38 1290.75 200.00 300.00 650.00 a. NRB 2821.53 10.00
b. "A"Class Licensed Institution 274.54 229.38 780.75 450.00c. Foreign Banks and Fin. Ins. 2167.00 500.00d. Other Financial Ins. 113.48e. Bonds and Securities 300.00 1050.00 200.00 300.00 200.00
3 DEPOSITS 46744.00 72065.08 56465.35 53138.44 39910.45 46487.33 50357.90 12887.81 45922.82 22488.96 12738.47a. Current 8385.00 12892.98 5843.97 4823.54 14067.27 4137.50 2776.38 823.00 4766.22 2463.72 459.49 Domestic 8180.00 12842.71 4418.63 3977.03 6787.54 3207.93 2630.69 728.95 4711.94 2301.77 445.65 Foreign 205.00 50.27 1425.34 846.51 7279.73 929.57 145.70 94.06 54.28 161.95 13.84b. Savings 28171.00 39515.92 15353.76 15241.64 13401.28 18808.35 8555.18 6037.00 14691.06 7213.21 5128.47 Domestic 28159.00 39509.62 14115.18 14571.63 11336.60 18111.14 8505.59 6017.64 14593.54 6984.72 5052.79 Foreign 12.00 6.30 1238.58 670.02 2064.68 697.21 49.59 19.36 97.52 228.49 75.68c. Fixed 9043.00 17251.02 17901.71 19752.37 6313.91 13978.60 35124.73 2802.82 16044.98 8669.02 4154.53 Domestic 9035.00 17251.02 16621.60 18386.68 4961.92 12881.12 16608.93 2617.64 15712.84 7458.03 4154.53 Foreign 8.00 1280.11 1365.69 1351.99 1097.48 18515.80 185.19 332.14 1210.99d. Call Deposits 699.00 1737.90 16700.39 12624.01 5556.10 8373.34 3710.74 2963.13 9553.62 3759.52 2863.51e. Others 446.00 667.26 665.52 696.89 571.89 1189.54 190.87 261.85 866.94 383.48 132.47
4 Bills Payable 59.00 19.74 150.39 5.35 97.49 95.27 55.83 14.26 110.58 21.43 7.105 Other Liabilities 9714.23 21569.69 8763.12 4819.85 3225.66 3144.61 2364.66 5089.42 1664.23 1548.72 2184.95
1. Sundry Creditors 4607.00 679.77 3683.80 537.11 315.41 338.62 211.67 114.78 176.45 92.76 2. Loan Loss Provision 1898.00 4622.55 1223.67 1025.65 268.03 1521.75 411.47 1799.78 623.55 504.01 407.71 3. Interest Suspense a/c 2804.00 14586.80 267.29 298.16 221.46 760.55 501.86 1203.73 75.68 31.73 352.86 4. Others 405.23 1680.57 3588.36 2958.93 2420.76 862.32 1112.71 1874.24 850.22 836.52 1331.62
6 Reconcillation A/c 9248.00 62.91 0.00 14.30 9.807 Profit & Loss A/c 74.00 408.10 559.63 352.74 483.63 498.95 ‐121.87 16.36 464.23 247.22
63782.23 89236.90 71079.55 64819.99 47395.01 56318.90 55829.28 20476.70 51585.19 27391.51 16803.83
Assets1 LIQUID FUNDS 15441.00 10127.76 6399.44 11701.43 10886.20 6446.22 7464.04 2361.37 8951.66 2210.70 1641.26
a. Cash Balance 1668.00 1989.31 751.30 1469.26 691.79 829.93 938.40 499.30 787.27 512.03 391.09 Nepalese Notes & Coins 1609.00 1896.19 698.72 1351.03 614.74 707.23 904.29 468.44 748.99 496.28 381.21 Foreign Currency 59.00 93.12 52.59 118.23 77.05 122.70 34.12 30.86 38.28 15.75 9.87b. Bank Balance 13773.00 8138.45 5099.71 10010.00 4554.74 5530.16 6525.63 1862.07 8164.39 1698.67 1250.17 1. In Nepal Rastra Bank 12520.00 7622.39 4230.49 8301.54 3743.18 4102.00 4834.85 1506.49 7415.83 1285.37 948.25 Domestic Currency 12475.00 7610.60 4211.86 8202.71 3720.69 3980.91 4814.79 1472.40 7379.99 1242.98 936.61 Foreign Currency 45.00 11.79 18.63 98.83 22.49 121.10 20.06 34.09 35.84 42.39 11.64 2. "A"Class Licensed Institution 550.00 64.13 37.68 72.06 65.24 66.02 33.20 26.16 30.27 93.51 92.31 Domestic Currency 550.00 64.13 37.68 72.02 65.24 63.32 27.83 25.26 29.03 91.00 90.74 Foreign Currency 0.04 2.70 5.37 0.90 1.24 2.51 1.57 3. Other Financial Ins. 0.72 4. In Foreign Banks 703.00 451.93 831.54 1636.41 746.32 1362.13 1657.59 328.70 718.29 319.79 209.61c. Money at Call 548.42 222.17 5639.67 86.14 Domestic Currency 200.00 58.00 Foreign Currency 548.42 22.17 5639.67 28.14
2 INVESTMENT IN SECURITIES 6712.00 16672.02 8934.24 3725.70 11031.68 9870.01 4881.75 3271.71 6051.68 5139.83 2741.60a. Govt.Securities 6712.00 16459.70 8719.96 3725.70 11023.18 9870.01 4881.75 3271.71 6051.68 5139.83 2641.60b. NRB Bond c. Govt.Non‐Fin. Ins. 212.32 8.49d. Other Non‐Fin Ins. 100.00e Non Residents 214.28
3 SHARE & OTHER INVESTMENT 2415.00 3297.77 6904.59 3993.60 5092.27 1189.58 18469.21 241.11 926.58 332.80 217.59 a. Non Residents 2139.00 4823.48 3800.92 4982.84 839.33 18429.56 101.26 817.00 257.85 88.44 b. Others 276.00 3297.77 2081.11 192.68 109.43 350.25 39.65 139.84 109.58 74.95 129.15
4 LOANS & ADVANCES 27153.00 34863.03 41168.16 40658.86 17173.42 31802.12 22250.21 10654.47 33683.95 16967.50 9607.58 a. Private Sector 27123.00 33499.18 40159.82 39293.59 15609.46 31802.12 21683.47 10371.37 28319.13 16284.63 9180.52 b. Financial Institutions 30.00 1095.04 728.34 764.85 1425.16 566.73 187.02 3301.89 533.01 244.50 c. Government Organizations 268.81 279.99 600.42 138.81 96.07 2062.93 149.86 182.56
5 BILL PURCHASED 18.23 75.03 35.51 307.71 1213.06 2466.86 23.77 108.03 43.70 1067.95 10.94 a. Domestic Bills Purchased 54.25 ‐0.60 118.01 52.46 40.80 4.02 0.00 3.45 b. Foreign Bills Purchased 16.00 20.69 36.10 59.51 1213.06 33.73 23.77 67.23 39.68 23.65 7.49 c. Import Bills & Imports 2.23 0.09 130.19 2380.67 1044.30
6 LOANS AGAINST COLLECTED BILLS 33.27 17.94 a. Against Domestic Bills 33.27 17.94 b. Against Foreign Bills
7 FIXED ASSETS 356.00 1005.05 896.34 1113.57 497.31 1125.44 1061.31 307.26 544.83 928.01 497.528 OTHER ASSETS 9105.00 21652.15 6708.01 3319.12 1475.03 3219.79 1671.74 3200.81 1331.00 722.83 1265.73
a. Accrued Interest: 2804.00 14861.08 1132.76 1049.73 572.93 1445.89 724.06 1264.21 284.99 402.04 396.72 b. Staff Loans / Adv. 1886.00 3187.12 759.52 118.71 208.54 890.89 198.62 319.64 708.52 71.58 140.67 c. Sundry Debtors 488.00 1024.53 2977.61 101.73 98.92 89.55 292.64 41.71 37.23 92.99 145.05 d. Cash In Transit 156.51 0.21 8.47 4.97 e. Others 3927.00 2422.91 1838.11 2048.94 594.63 793.25 456.41 1575.25 291.79 151.25 583.29
9 Expenses not Written off 43.00 0.15 26.04 176.31 7.26 3.5110 Non Banking Assets 371.00 130.27 8.31 328.45 51.79 3.94 469.9011 Reconcillation Account 2168.00 1413.67 14.24 277.5612 Profit & Loss A/c 74.16
63782.23 89236.90 71079.55 64819.99 47395.01 56318.90 55829.28 20476.70 51585.19 27391.51 16803.83
TOTAL LIABILITIES
TOTAL ASSETS
10
Statement of Assets and Liabilities as on Marg end 2068
Rs. in million
Liabilities
1 CAPITAL FUND a. Paid‐up Capital
b. Calls in Advance c. General Reserves
d. Share Premiume. Retained Earningf. Others Reserves Fundg. Exchange Fluctuation Fund
2 BORROWINGS a. NRB
b. "A"Class Licensed Institutionc. Foreign Banks and Fin. Ins.d. Other Financial Ins.e. Bonds and Securities
3 DEPOSITSa. Current Domestic Foreignb. Savings Domestic Foreignc. Fixed Domestic Foreignd. Call Depositse. Others
4 Bills Payable5 Other Liabilities
1. Sundry Creditors 2. Loan Loss Provision 3. Interest Suspense a/c 4. Others
6 Reconcillation A/c7 Profit & Loss A/c
Assets1 LIQUID FUNDS
a. Cash Balance Nepalese Notes & Coins Foreign Currencyb. Bank Balance 1. In Nepal Rastra Bank Domestic Currency Foreign Currency 2. "A"Class Licensed Institution Domestic Currency Foreign Currency 3. Other Financial Ins. 4. In Foreign Banksc. Money at Call Domestic Currency Foreign Currency
2 INVESTMENT IN SECURITIESa. Govt.Securities b. NRB Bond c. Govt.Non‐Fin. Ins. d. Other Non‐Fin Ins.e Non Residents
3 SHARE & OTHER INVESTMENT a. Non Residents b. Others
4 LOANS & ADVANCES a. Private Sector b. Financial Institutions c. Government Organizations
5 BILL PURCHASED a. Domestic Bills Purchased b. Foreign Bills Purchased c. Import Bills & Imports
6 LOANS AGAINST COLLECTED BILLS a. Against Domestic Bills b. Against Foreign Bills
7 FIXED ASSETS8 OTHER ASSETS
a. Accrued Interest: b. Staff Loans / Adv. c. Sundry Debtors d. Cash In Transit e. Others
9 Expenses not Written off10 Non Banking Assets11 Reconcillation Account12 Profit & Loss A/c
TOTAL LIABILITIES
TOTAL ASSETS
NIC
LBL
MBL
Kum
ari
Laxm
i
SBL
ADBN
L
Glo
bal
Citiz
ens
Prim
e
BOA
Sunr
ise
DCB
L
2145.22 1849.17 1786.86 2400.70 2113.86 1969.36 12511.64 1709.48 2233.96 2486.86 2152.39 2146.06 2117.881311.55 1430.00 1627.20 1485.00 1613.52 1618.26 9474.30 1601.45 2101.84 2245.75 2000.00 2015.00 2000.00
310.54 330.84 127.31 235.44 230.03 228.84 1329.44 77.10 108.51 171.17 96.75 66.67 115.1941.87 5.28 4.44 13.07 2.97 25.96 32.41
382.36 20.89 23.17 17.65 11.27 13.46 ‐2783.53 0.27 9.22 65.53 19.32 28.80 0.8285.47 60.34 651.79 234.60 101.46 4482.21 13.89 10.60 4.34 0.07 0.30 0.0913.42 1.83 9.19 6.38 11.37 7.34 9.22 16.76 0.81 0.08 10.28 2.88 1.79
200.00 441.36 521.12 350.00 373.67 2541.40 246.10 141.92 85.80 100.00426.70 10.00 119.93 10.00 100.00
14.66 121.12 236.10 141.92 85.8090.9045.00 121.47
200.00 400.00 350.00 227.77 2300.0019056.87 7201.81 18024.88 19254.38 19169.70 22011.27 37174.37 16946.22 15593.80 21362.02 14575.01 16001.42 10933.81
1485.00 245.61 476.75 720.87 726.80 508.94 2707.91 633.83 551.11 398.99 208.59 449.10 138.011464.45 226.16 450.78 702.34 631.93 429.30 2687.32 597.39 539.87 395.57 200.58 420.81 136.15
20.56 19.45 25.97 18.53 94.87 79.64 20.59 36.44 11.25 3.42 8.01 28.29 1.863920.25 2025.59 6463.63 4865.96 3627.79 3997.11 18570.04 4568.41 3493.72 2290.81 2647.72 5588.43 1247.733879.24 2011.57 6442.63 4801.96 3504.08 3969.77 18570.04 4516.76 3476.20 2285.00 2645.19 5571.85 1235.09
41.02 14.02 20.99 64.01 123.72 27.34 51.65 17.53 5.81 2.53 16.58 12.648496.75 3824.56 5621.87 7933.11 9908.11 10431.78 15855.02 7931.26 8829.11 8607.20 7966.28 6446.34 5080.518148.45 3808.10 5536.13 7331.46 8540.95 9573.78 15855.02 7517.76 8570.81 8314.46 7229.72 5931.54 4821.28
348.31 16.46 85.74 601.65 1367.16 858.00 413.50 258.30 292.74 736.56 514.80 259.235048.25 1062.24 5283.44 5564.80 4646.84 6646.12 31.05 3482.81 2646.27 9912.98 3689.07 3242.58 4261.30
106.62 43.82 179.20 169.64 260.16 427.34 10.35 329.91 73.59 152.05 63.35 274.97 206.2614.76 30.85 9.00 31.34 31.13 1.85 11.69 6.90 2.24 14.03 4.40 1.42
1434.96 578.14 985.32 1723.43 1593.73 1820.87 16435.96 1160.85 1267.68 1627.93 2223.65 1509.07 769.46385.05 86.52 9.25 497.10 69.63 314.81 930.85 324.03 0.27 12.04 4.68300.16 159.95 287.22 312.57 196.68 304.89 6150.85 437.45 243.82 430.22 348.69 566.28 192.04
38.33 62.87 174.57 371.25 55.09 155.16 1551.36 60.18 344.87 439.63 278.24 192.25 279.32711.42 268.80 514.29 542.50 1272.34 1046.01 7802.90 339.18 678.73 746.05 1596.73 745.85 298.10
2.26 ‐20.72190.66 ‐72.26 24.85 165.35 72.65 868.32 104.82 ‐134.63 27.85
23042.48 9589.98 21272.28 23930.97 23423.77 26249.67 69531.69 19933.06 19213.81 25620.96 18965.08 19774.61 13901.85
2205.17 1548.11 4064.22 2837.42 2920.58 3576.77 4779.25 2015.58 4689.32 4510.51 2454.57 3581.22 1131.78395.88 235.76 883.45 398.76 353.12 459.85 1519.03 382.06 560.28 522.81 251.21 472.33 307.27377.96 228.38 795.03 371.48 321.00 423.09 1518.93 365.86 541.73 503.44 233.47 457.50 287.65
17.92 7.38 88.42 27.28 32.13 36.76 0.10 16.20 18.55 19.38 17.73 14.83 19.621709.29 1312.35 3180.78 2320.16 2477.03 2244.08 3260.22 1633.52 3860.31 3496.62 2203.37 2668.70 824.511518.48 1185.23 2937.25 1801.61 2199.70 1905.50 2627.01 1303.81 3738.86 2854.21 1691.96 2346.67 513.601505.84 1174.73 2918.18 1796.10 2182.58 1895.13 2627.01 1280.64 3730.16 2843.15 1658.96 2336.97 510.75
12.64 10.50 19.07 5.51 17.11 10.37 23.17 8.70 11.06 33.01 9.70 2.8560.21 25.06 124.95 138.18 65.25 195.28 592.38 70.50 59.57 90.10 47.09 76.36 88.5259.73 24.72 118.96 131.64 54.40 22.88 592.05 66.10 59.45 89.33 46.86 71.28 86.77
0.48 0.34 6.00 6.54 10.85 172.40 0.33 4.39 0.12 0.77 0.22 5.08 1.754.51 6.46 1.47
130.60 102.07 114.06 380.37 212.09 143.30 34.37 259.21 61.89 552.30 464.32 245.67 220.92100.00 118.50 90.42 872.83 268.73 491.08 440.20100.00 118.50 601.50 198.70 399.38 87.99
90.42 271.33 70.03 91.70 352.214170.64 891.49 1632.11 2570.13 1451.20 1641.20 7412.73 2758.33 590.37 704.46 1565.18 902.19 1692.304170.64 891.49 1632.11 2570.13 1401.20 1641.20 7082.50 2758.33 590.37 704.46 1565.18 902.19 1519.70
330.23 172.5950.00
275.75 92.24 189.63 357.01 1405.70 400.66 143.67 310.34 244.56 425.66 934.06 451.11 170.11245.59 86.65 99.68 257.85 900.60 194.61 292.84 215.03 49.56 157.71 406.67 86.70
30.17 5.59 89.94 99.16 505.10 206.05 143.67 17.50 29.53 376.10 776.35 44.44 83.4114797.07 6549.79 13407.36 16022.78 15424.77 18330.86 40816.78 13775.25 12437.84 18528.76 11820.00 13538.36 9955.8914553.40 6389.78 12942.71 15665.19 14971.58 17481.35 40165.74 13775.25 12036.52 18035.96 11439.07 13272.69 9676.46
243.67 160.01 418.85 211.66 318.56 573.55 194.95 375.00 303.73 175.05 214.6645.80 145.93 134.63 849.51 77.49 206.37 117.80 77.20 90.61 64.77
4.55 0.81 40.85 23.15 664.33 254.03 11.06 70.04 31.69 2.46 21.9619.83 16.54 11.06 70.04 31.61 0.09 21.96
4.55 0.81 21.02 23.15 7.22 254.03 0.08 2.37640.57
349.42 186.28 743.41 588.32 404.33 563.93 1067.88 361.45 364.01 299.68 326.77 518.98 432.061199.79 248.91 1027.29 1467.32 1152.84 1482.23 12564.07 701.05 814.94 754.15 1661.22 704.20 390.67
250.53 61.29 457.52 478.18 402.63 523.93 1551.36 338.32 349.57 439.63 278.24 423.93 310.5755.65 44.39 139.90 145.15 137.38 223.05 3515.55 100.24 89.15 13.42 61.11 55.66 20.96
573.62 72.14 64.17 6.03 12.13 402.89 5118.77 217.43 14.22 34.04 1.104.00 105.50
319.98 71.09 361.71 732.45 600.70 332.36 2378.39 45.06 362.00 301.10 1321.87 190.58 58.047.87 157.39 2.72 16.58 29.861.31 71.93 6.00 0.03 142.91 1.17 27.79
30.91 0.42 4.02 7.54 0.00 2604.40 31.7157.28 364.88 203.28 77.21
23042.48 9589.98 21272.28 23930.97 23423.77 26249.67 69531.69 19933.06 19213.81 25620.96 18965.08 19774.61 13901.85
11
Statement of Assets and Liabilities as on Marg end 2068
Rs. in million
Liabilities
1 CAPITAL FUND a. Paid‐up Capital
b. Calls in Advance c. General Reserves
d. Share Premiume. Retained Earningf. Others Reserves Fundg. Exchange Fluctuation Fund
2 BORROWINGS a. NRB
b. "A"Class Licensed Institutionc. Foreign Banks and Fin. Ins.d. Other Financial Ins.e. Bonds and Securities
3 DEPOSITSa. Current Domestic Foreignb. Savings Domestic Foreignc. Fixed Domestic Foreignd. Call Depositse. Others
4 Bills Payable5 Other Liabilities
1. Sundry Creditors 2. Loan Loss Provision 3. Interest Suspense a/c 4. Others
6 Reconcillation A/c7 Profit & Loss A/c
Assets1 LIQUID FUNDS
a. Cash Balance Nepalese Notes & Coins Foreign Currencyb. Bank Balance 1. In Nepal Rastra Bank Domestic Currency Foreign Currency 2. "A"Class Licensed Institution Domestic Currency Foreign Currency 3. Other Financial Ins. 4. In Foreign Banksc. Money at Call Domestic Currency Foreign Currency
2 INVESTMENT IN SECURITIESa. Govt.Securities b. NRB Bond c. Govt.Non‐Fin. Ins. d. Other Non‐Fin Ins.e Non Residents
3 SHARE & OTHER INVESTMENT a. Non Residents b. Others
4 LOANS & ADVANCES a. Private Sector b. Financial Institutions c. Government Organizations
5 BILL PURCHASED a. Domestic Bills Purchased b. Foreign Bills Purchased c. Import Bills & Imports
6 LOANS AGAINST COLLECTED BILLS a. Against Domestic Bills b. Against Foreign Bills
7 FIXED ASSETS8 OTHER ASSETS
a. Accrued Interest: b. Staff Loans / Adv. c. Sundry Debtors d. Cash In Transit e. Others
9 Expenses not Written off10 Non Banking Assets11 Reconcillation Account12 Profit & Loss A/c
TOTAL LIABILITIES
TOTAL ASSETS
NM
B
Kist
Jana
ta
Meg
a
CTBN
L
Civi
l Ban
k
Cent
ury
NID
C
Udd
hyam
Mal
ika
SDBL
UD
BL
MD
BL
Nar
ayan
i
PDBL
2211.46 2257.62 1476.87 1711.80 1440.88 1211.82 1135.63 865.79 62.39 290.71 686.35 13.85 912.83 113.38 386.562000.00 2000.00 1400.00 1631.00 1400.00 1200.00 1080.00 415.82 55.00 204.83 645.00 80.40 1000.00 65.62 336.52
186.06 67.61 8.07 4.86 11.82 423.52 3.65 14.36 38.07 1.84 72.06 11.11 23.9310.08 0.34 0.54
7.13 185.97 32.16 19.46 40.88 34.68 ‐60.99 2.79 20.01 1.50 ‐68.39 ‐160.13 36.33 22.861.78 4.04 36.53 56.47 20.95 87.44 0.94 51.17 1.78 0.86 0.33 2.716.41 0.11 0.03
10.00 66.75 128.34 242.73 34.37 433.65 42.80 0.69 58.19 218.00 47.00 2.5810.00 50.00 49.44
16.75 128.34 242.73 34.37 384.21 42.80 218.00 47.00
0.69 2.5858.19
13949.81 18748.86 5321.04 8174.53 4005.58 5405.85 2427.01 302.63 179.04 1405.38 3913.77 11.23 2106.45 903.64 1696.64459.95 304.39 542.51 307.75 13.90 108.81 26.05 4.72 4.81 15.23 39.19 27.34 7.47456.53 297.29 541.33 246.70 11.26 93.58 25.91 4.72 4.81 15.23 39.11 26.87 7.47
3.41 7.10 1.18 61.05 2.65 15.22 0.14 0.08 0.482249.70 8284.33 727.86 2822.09 564.21 459.96 680.63 52.49 37.91 1235.13 1910.37 10.72 332.89 542.19 960.782247.26 8283.89 727.74 2819.25 559.05 457.31 678.92 52.39 37.91 1235.13 1910.37 10.72 332.89 542.19 960.78
2.44 0.44 0.13 2.83 5.16 2.64 1.71 0.107988.31 6654.64 2741.08 3548.97 1529.54 2000.71 1062.32 220.53 75.73 110.31 1303.92 0.50 757.07 359.80 510.496657.83 6578.92 2482.63 3436.09 1443.59 1828.51 976.72 220.53 75.73 110.31 1303.92 0.50 757.07 359.80 510.491330.48 75.72 258.45 112.88 85.95 172.20 85.603167.69 3450.91 1265.31 1404.35 1863.98 2698.69 652.81 24.88 60.59 43.29 656.22 946.44 213.79
84.16 54.59 44.28 91.37 33.95 137.68 5.20 1.42 4.07 42.69 1.65 4.114.73 3.65 5.32 10.05 2.10
821.96 1250.06 231.00 430.48 243.87 250.74 158.61 4015.14 22.73 159.35 332.54 55.24 331.04 91.23 124.2216.32 95.90 4.51 6.61 1.57 9.83 58.69 1.19 9.38 20.39 6.75 5.66 5.28
144.86 222.24 51.47 80.52 38.21 41.23 17.86 912.51 6.35 39.84 60.45 14.19 69.18 24.87 27.59236.24 409.66 3.53 66.15 87.75 26.77 2418.24 6.56 21.87 104.21 15.43 111.30 46.32 22.04424.55 522.26 171.49 349.96 132.89 120.19 104.15 625.70 8.64 88.26 147.49 18.87 150.56 14.38 69.31
0.00 2.74 292.54‐41.70 ‐215.66 27.57 16.38 36.06 7.61
16956.27 22114.02 7190.15 10585.98 5724.71 7304.15 3764.05 5219.62 264.16 1863.05 4933.36 138.51 3568.31 1447.79 2210.01
2259.42 2787.98 632.75 1561.78 1351.03 1578.15 1455.58 623.48 57.23 399.02 805.84 36.27 489.60 205.08 593.06237.30 531.31 102.13 181.95 119.32 152.62 84.18 5.17 3.02 56.84 79.83 0.28 45.35 14.05 62.63193.59 500.93 98.58 173.42 112.73 145.00 82.67 5.17 3.02 50.72 79.72 0.28 44.97 14.05 62.63
43.71 30.38 3.54 8.54 6.59 7.62 1.51 6.12 0.11 0.381508.55 2084.06 484.01 716.34 941.36 1425.54 1165.16 618.31 54.21 70.94 221.18 35.99 444.26 191.03 97.55
985.15 1962.95 409.15 635.81 881.29 1281.57 944.13 17.70 0.11 74.09 217.19 4.44 97.93 0.58 2.12973.47 1944.92 392.76 633.95 858.26 1273.63 944.08 17.70 0.11 74.09 217.19 4.44 97.93 0.58 2.12
11.68 18.03 16.39 1.86 23.03 7.94 0.0572.56 29.40 37.05 20.91 14.57 17.76 189.54 540.18 11.88 ‐3.15 3.99 1.57 291.16 13.02 95.1272.56 29.08 37.05 20.91 14.57 15.18 102.95 540.18 11.88 ‐3.15 3.99 1.57 290.21 13.02 95.12
0.32 2.58 86.59 0.950.03 1.60 60.43 42.23 29.98 55.17 177.43 0.31
450.81 91.71 37.81 59.63 43.90 126.21 31.49513.58 172.61 46.61 663.49 290.35 206.24 271.24 504.83 432.88
120.86 521.17 247.80 206.24 271.24 500.84 432.88513.58 51.75 46.61 142.31 42.55 3.99
1581.77 3490.10 851.78 217.90 170.42 452.85 468.56 32.96 61.15 204.29 195.53 5.001561.77 3490.10 851.78 217.90 170.42 452.85 468.56 32.96 61.15 204.29 195.53 5.00
20.00
626.69 105.51 729.82 133.88 264.39 1.50 22.94 38.97 4.05 123.64 17.50100.48 16.40 209.52 133.88 27.98 10.08526.22 89.11 520.30 264.39 1.50 22.94 10.99 4.05 113.56 17.50
11010.31 13378.05 5050.11 7412.98 3814.59 4363.93 1539.74 1401.26 171.01 1119.23 3365.28 68.80 2410.85 723.27 1433.7010752.17 13343.14 4961.85 7046.98 3666.65 4200.76 1539.74 170.61 1119.23 3365.28 68.80 2385.70 720.55 1433.70
205.33 88.26 67.00 27.78 130.00 1401.26 25.1552.81 34.91 299.00 120.16 33.18 0.40 2.72
610.45 5.86 4.50 1.20 10.221.20 10.22
5.86 4.50610.45
301.58
301.58295.25 1410.86 265.72 302.45 145.47 231.28 113.14 109.84 14.45 50.00 313.74 2.36 127.51 9.29 54.69569.75 917.00 385.29 361.05 153.31 166.50 166.87 2791.07 12.31 203.69 146.34 28.84 219.51 69.81 85.62297.96 486.87 117.53 138.29 75.61 97.72 39.94 2418.24 6.56 26.19 104.54 16.85 113.33 46.32 22.67
35.59 293.22 59.98 85.17 51.02 1.59 46.73 15.07 2.59 26.92 18.00 0.01 26.34 5.58 31.8329.67 32.55 13.60 7.49 17.05 172.71 1.69 12.74 17.34 10.70 9.05 5.94
2.31206.54 104.36 194.19 137.59 26.68 59.70 63.15 185.06 1.47 137.85 6.46 1.29 79.84 8.86 22.88
18.66 14.61 4.60 1.57 1.43 12.562.61 2.45 5.59 0.30 72.55
0.00 0.00 ‐3.38 293.03 2.4075.28 70.19 20.15 3.64 58.90 1.93 48.71 13.46 5.48
16956.27 22114.02 7190.15 10585.98 5724.71 7304.15 3764.05 5219.62 264.16 1863.05 4933.36 138.51 3568.31 1447.79 2210.01
12
Statement of Assets and Liabilities as on Marg end 2068
Rs. in million
Liabilities
1 CAPITAL FUND a. Paid‐up Capital
b. Calls in Advance c. General Reserves
d. Share Premiume. Retained Earningf. Others Reserves Fundg. Exchange Fluctuation Fund
2 BORROWINGS a. NRB
b. "A"Class Licensed Institutionc. Foreign Banks and Fin. Ins.d. Other Financial Ins.e. Bonds and Securities
3 DEPOSITSa. Current Domestic Foreignb. Savings Domestic Foreignc. Fixed Domestic Foreignd. Call Depositse. Others
4 Bills Payable5 Other Liabilities
1. Sundry Creditors 2. Loan Loss Provision 3. Interest Suspense a/c 4. Others
6 Reconcillation A/c7 Profit & Loss A/c
Assets1 LIQUID FUNDS
a. Cash Balance Nepalese Notes & Coins Foreign Currencyb. Bank Balance 1. In Nepal Rastra Bank Domestic Currency Foreign Currency 2. "A"Class Licensed Institution Domestic Currency Foreign Currency 3. Other Financial Ins. 4. In Foreign Banksc. Money at Call Domestic Currency Foreign Currency
2 INVESTMENT IN SECURITIESa. Govt.Securities b. NRB Bond c. Govt.Non‐Fin. Ins. d. Other Non‐Fin Ins.e Non Residents
3 SHARE & OTHER INVESTMENT a. Non Residents b. Others
4 LOANS & ADVANCES a. Private Sector b. Financial Institutions c. Government Organizations
5 BILL PURCHASED a. Domestic Bills Purchased b. Foreign Bills Purchased c. Import Bills & Imports
6 LOANS AGAINST COLLECTED BILLS a. Against Domestic Bills b. Against Foreign Bills
7 FIXED ASSETS8 OTHER ASSETS
a. Accrued Interest: b. Staff Loans / Adv. c. Sundry Debtors d. Cash In Transit e. Others
9 Expenses not Written off10 Non Banking Assets11 Reconcillation Account12 Profit & Loss A/c
TOTAL LIABILITIES
TOTAL ASSETS
Saha
yogi
Pash
upat
i
Karn
ali
Triv
eni
Anna
purn
a
Bhri
kuti
Suve
kchh
a
Bage
shw
ori
Sani
ma
Gau
rish
anka
r
Gur
kha
Gan
daki
Infr
astr
uctu
re
Busi
ness
Bira
tlaxm
i
102.91 700.45 92.20 187.99 808.86 405.50 137.84 157.35 2118.69 251.59 ‐436.97 266.38 765.46 735.32 171.3875.00 663.17 80.00 158.77 672.00 279.24 107.85 59.40 2016.00 211.92 660.82 200.00 660.68 690.06 155.65
31.19 0.8212.77 14.05 1.70 16.25 33.51 23.14 7.74 7.58 69.60 35.42 34.15 19.63 40.05 42.19 14.35
0.89 11.53 2.11 5.98 0.96 0.29 10.56 2.38 0.08 5.69 0.380.01 22.06 1.45 100.96 96.89 21.29 58.89 20.71 3.88 ‐1188.00 44.50 57.21 2.67 0.42
15.13 0.28 10.50 0.28 0.25 0.02 0.36 52.87 2.17 1.72 0.961.80 0.00 0.10 0.02
0.28 40.00 2.23 165.00 105.5015.00
150.00 65.50
0.28 40.00 2.23 40.00
1095.73 505.82 840.48 1718.20 1104.28 2274.77 873.09 1183.33 7121.61 721.82 2099.89 1540.57 1642.25 1576.92 1944.3936.29 8.08 29.30 6.02 30.86 24.24 10.99 163.88 16.01 203.17 42.47 18.56 12.10 31.6536.29 8.08 29.30 6.02 30.86 24.24 10.99 163.36 16.01 203.17 42.47 18.56 12.10 31.65
0.52855.77 176.83 714.52 864.94 456.73 1273.19 305.46 818.04 2907.75 450.97 903.21 735.40 420.95 736.57 1034.98855.77 176.83 714.52 864.94 456.73 1273.19 305.46 818.04 2864.57 450.97 903.04 735.40 420.95 736.57 1034.98
43.18 0.17185.15 180.24 123.93 562.51 269.78 460.73 343.82 106.24 3212.31 107.71 598.15 406.98 663.06 390.93 575.21185.15 180.24 123.93 562.51 269.78 460.73 343.82 106.24 3113.67 107.71 598.15 406.98 663.06 390.93 575.21
98.6418.52 140.22 260.07 371.58 504.64 199.56 223.40 826.50 147.14 387.99 353.42 533.22 435.19 299.38
0.45 2.03 1.37 0.18 5.35 24.67 11.17 7.37 2.31 6.46 2.14 3.180.01 1.52
46.89 105.82 39.15 90.76 232.53 113.23 44.60 55.66 479.92 61.06 2838.85 99.51 147.50 136.65 117.623.76 3.25 2.72 4.24 0.53 2.94 4.30 1.32 49.94 3.32 0.97 1.23 2.43 4.24 5.57
10.34 49.33 11.34 22.51 30.01 31.57 21.82 17.98 78.92 16.37 1476.17 16.49 33.49 18.60 21.085.60 43.48 12.36 19.11 44.88 19.46 21.93 124.24 13.51 342.50 19.51 44.20 21.54 5.33
27.20 9.77 12.73 44.90 157.10 59.26 18.49 14.43 226.82 27.86 1019.20 62.27 67.38 92.26 85.64277.51 589.39 10.22 0.00 ‐0.09 0.00
7.72 1.23 8.50 0.77 0.22 ‐32.14 6.58 10.95 11.34 23.37 11.341253.24 1312.10 971.83 2275.96 2145.67 3391.39 1096.30 1409.02 9853.08 1041.05 4607.18 1917.43 2566.55 2473.77 2244.74
402.15 365.34 314.02 323.08 724.98 706.09 229.43 306.11 1274.73 336.04 237.87 544.05 693.50 690.23 614.1220.01 21.53 59.42 42.95 29.31 56.41 33.93 41.56 169.23 28.33 27.12 47.98 51.69 44.32 54.2120.01 21.53 59.42 42.95 29.31 56.41 33.93 40.21 163.27 28.33 25.50 46.27 50.52 44.08 54.18
0.00 1.35 5.95 1.62 1.71 1.17 0.25 0.0266.71 343.81 22.29 104.86 265.06 92.55 195.50 100.02 642.37 6.99 0.98 496.08 641.80 95.19 100.0057.48 4.02 22.29 0.11 15.04 3.32 67.66 470.98 0.99 0.88 83.61 78.28 92.00 98.3857.48 4.02 22.29 0.11 15.04 3.32 67.66 469.91 0.99 0.57 83.61 77.79 92.00 98.38
1.07 0.31 0.509.23 320.98 101.22 250.01 35.03 90.46 19.94 71.52 6.00 0.10 279.18 460.97 3.19 1.629.23 320.98 101.22 250.01 35.03 90.46 19.94 71.48 6.00 0.10 279.18 460.05 3.19 1.62
0.04 0.9218.81 3.53 54.20 105.04 6.96 133.29 102.55
5.46 99.87315.44 232.32 175.27 430.61 557.13 164.54 463.13 300.72 209.77 550.72 459.91315.44 232.32 175.27 430.61 557.13 164.54 458.97 300.72 209.46 550.72 459.91
4.17 0.301.32 25.20 0.89 1251.44 25.00
25.20 0.89 1251.44 25.00
1.32
90.00 0.40 3.00 1.67 40.20 0.50 153.10 0.30 67.06 86.00 105.02 6.1083.00
90.00 0.40 3.00 1.67 40.20 0.50 153.10 0.30 67.06 3.00 105.02 6.10730.30 844.30 523.34 1548.49 1239.50 1930.32 806.00 997.56 6411.49 608.32 3165.41 1270.22 1676.57 1500.33 1497.60730.30 822.80 523.34 1548.49 1239.50 1930.32 806.00 997.56 6296.18 608.32 3165.41 1270.22 1676.57 1500.33 1497.60
20.00 88.401.50 26.91
2.932.93
9.98 25.53 35.45 69.57 34.68 39.30 37.24 34.32 428.19 57.13 106.54 40.56 37.79 107.05 49.5517.57 72.95 87.11 59.50 122.66 60.87 23.13 60.11 334.13 39.25 692.41 62.38 62.74 71.14 52.56
5.60 43.76 12.36 19.11 44.88 19.46 0.36 21.93 157.50 13.51 342.50 19.67 51.56 21.54 5.333.55 4.55 20.93 12.10 0.39 2.11 1.50 9.40 45.60 4.40 44.18 9.82 1.57 2.41 18.654.73 9.18 18.37 12.88 5.01 9.66 7.75 16.64 20.45 11.69 4.86 11.50 2.46 5.00 14.06
0.013.69 15.46 35.44 15.42 72.37 29.64 13.51 12.14 110.58 9.65 300.86 21.39 7.14 42.18 14.530.02 0.12 12.09 0.36 30.42 1.83
3.21 0.46 2.37 274.01 0.00 589.41 9.67 0.21 8.113.12 6.42 7.17 307.48
1253.24 1312.10 971.83 2275.96 2145.67 3391.39 1096.30 1409.02 9853.08 1041.05 4607.18 1917.43 2566.55 2473.77 2244.93
13
Statement of Assets and Liabilities as on Marg end 2068
Rs. in million
Liabilities
1 CAPITAL FUND a. Paid‐up Capital
b. Calls in Advance c. General Reserves
d. Share Premiume. Retained Earningf. Others Reserves Fundg. Exchange Fluctuation Fund
2 BORROWINGS a. NRB
b. "A"Class Licensed Institutionc. Foreign Banks and Fin. Ins.d. Other Financial Ins.e. Bonds and Securities
3 DEPOSITSa. Current Domestic Foreignb. Savings Domestic Foreignc. Fixed Domestic Foreignd. Call Depositse. Others
4 Bills Payable5 Other Liabilities
1. Sundry Creditors 2. Loan Loss Provision 3. Interest Suspense a/c 4. Others
6 Reconcillation A/c7 Profit & Loss A/c
Assets1 LIQUID FUNDS
a. Cash Balance Nepalese Notes & Coins Foreign Currencyb. Bank Balance 1. In Nepal Rastra Bank Domestic Currency Foreign Currency 2. "A"Class Licensed Institution Domestic Currency Foreign Currency 3. Other Financial Ins. 4. In Foreign Banksc. Money at Call Domestic Currency Foreign Currency
2 INVESTMENT IN SECURITIESa. Govt.Securities b. NRB Bond c. Govt.Non‐Fin. Ins. d. Other Non‐Fin Ins.e Non Residents
3 SHARE & OTHER INVESTMENT a. Non Residents b. Others
4 LOANS & ADVANCES a. Private Sector b. Financial Institutions c. Government Organizations
5 BILL PURCHASED a. Domestic Bills Purchased b. Foreign Bills Purchased c. Import Bills & Imports
6 LOANS AGAINST COLLECTED BILLS a. Against Domestic Bills b. Against Foreign Bills
7 FIXED ASSETS8 OTHER ASSETS
a. Accrued Interest: b. Staff Loans / Adv. c. Sundry Debtors d. Cash In Transit e. Others
9 Expenses not Written off10 Non Banking Assets11 Reconcillation Account12 Profit & Loss A/c
TOTAL LIABILITIES
TOTAL ASSETS
Exce
l
WD
BL
H &
B
Aran
iko
ND
EP
CED
BL
Mite
ri
Tina
u
Risi
ng
Muk
tinat
h
Sew
a
Kank
ai
Publ
ic
Mah
akal
i
Ace
139.37 87.67 1075.27 255.82 644.00 1243.32 100.44 120.22 188.19 293.98 161.60 59.39 139.88 40.33 894.6380.00 60.00 897.93 200.00 546.13 1088.00 90.29 100.00 140.00 200.00 115.00 40.00 150.00 38.15 750.46
21.60 8.62 1.7716.84 3.67 69.10 3.60 20.05 14.87 10.16 2.09 7.22 93.98 5.49 1.07 1.60 1.90 74.38
1.79 5.41 12.86 0.2622.53 2.40 108.24 52.21 75.92 120.93 18.04 28.11 40.81 9.71 ‐14.79 0.02 69.3720.00 11.76 0.09 0.30 1.29 0.01 0.06
0.00 0.11 2.35 0.362.90 70.00 599.76 10.09 247.50 331.00
20.00 5.00240.00 310.00359.76
2.90 50.00 10.09 247.50 16.00
1753.50 513.32 6256.46 358.83 4277.09 4030.94 543.75 1015.61 761.94 2085.13 1527.29 334.66 440.96 234.00 4807.505.68 9.18 114.83 3.90 64.12 79.05 4.55 5.11 6.95 29.82 17.81 4.25 1.33 39.315.68 9.18 114.83 3.90 64.12 78.68 4.55 5.11 6.95 29.82 17.81 4.25 1.33 37.28
0.37 2.031079.24 338.04 2461.97 285.15 1344.95 1159.52 326.59 260.33 406.67 1376.62 835.13 213.93 205.55 199.83 2505.551079.24 338.04 2461.97 285.15 1344.21 1130.35 326.59 260.33 406.67 1376.62 835.13 213.93 205.55 199.83 2498.32
0.74 29.17 7.23320.83 100.56 2615.28 69.78 1162.90 1830.01 162.81 452.73 240.50 442.93 298.80 32.02 203.58 34.17 1881.56320.83 10.67 2615.28 69.78 1145.76 1451.74 162.81 452.73 240.50 442.93 298.80 32.02 203.58 34.17 1881.56
89.89 17.14 378.2764.98 1050.85 1699.19 926.10 49.80 297.44 107.34 235.76 374.50 84.20 30.50 374.01
347.75 0.55 13.54 5.92 36.27 0.50 1.06 0.26 7.061.68 0.47
82.37 17.67 445.42 33.61 217.10 453.95 29.79 51.50 64.95 115.33 90.94 26.27 135.80 14.32 439.788.98 2.35 1.17 12.17 5.16 9.67 0.93 0.70 1.15 1.34 0.92 43.83 1.41 1.99
21.76 9.90 95.58 19.34 47.53 64.04 4.81 14.56 20.78 32.27 12.43 8.18 58.93 3.53 54.8910.41 105.70 3.35 29.31 93.12 6.22 7.25 14.74 14.83 16.11 4.31 22.23 1.85 99.8441.22 7.77 241.80 9.75 128.10 291.63 9.10 28.76 28.73 67.07 61.05 12.87 10.81 7.53 283.06
325.45 166.43 0.16 ‐2.11 ‐2.98 66.09 0.33 0.0517.89 1.80 3.98 4.02 4.88 32.67 2.94 1.94 ‐49.99
2318.57 786.90 7781.90 646.14 5209.19 6328.43 744.10 1187.32 1030.06 2774.92 1782.77 420.33 716.64 290.65 6422.91
809.12 187.34 1837.85 204.75 1024.30 1479.45 180.56 512.68 212.51 805.24 446.92 107.72 94.46 100.81 1270.7065.09 21.37 145.13 12.07 111.82 91.10 8.25 20.95 28.79 51.26 63.28 22.91 11.61 5.40 82.5865.03 21.37 144.05 12.00 107.37 86.67 8.25 20.95 28.79 50.22 63.12 22.91 11.61 5.21 79.64
0.07 1.08 0.06 4.45 4.43 1.05 0.16 0.00 0.18 2.9499.54 165.97 1692.72 192.68 232.25 306.61 26.81 412.71 50.49 753.97 383.64 17.96 32.01 95.41 305.34
0.21 0.03 643.24 2.29 229.77 204.36 14.11 0.14 0.21 109.90 39.69 0.05 31.70 4.27 250.850.21 0.03 643.24 2.29 229.73 202.86 14.11 0.14 0.21 109.90 39.69 0.05 31.70 4.27 249.61
0.04 1.50 1.2499.33 149.97 661.61 79.46 2.41 24.54 12.70 412.57 50.28 456.24 261.48 17.90 0.31 39.89 39.6299.33 149.97 661.61 79.46 2.32 24.54 12.70 412.57 50.28 456.24 261.48 17.90 0.31 39.89 39.62
0.0915.97 387.87 110.93 0.07 187.82 82.48 0.01 51.25
77.71 14.87644.49 680.22 1081.73 145.50 79.02 133.24 66.84 50.84 882.78644.49 676.72 880.14 145.50 79.02 133.24 66.84 50.84 860.78
3.50 201.59 22.0010.00 78.91 20.00 177.01 267.93 10.00 2.50 2.06 265.4810.00 78.91 20.00 177.01 255.93 10.00 2.50 2.06 265.48
12.00
10.50 91.63 5.10 71.30 181.11 0.10 0.20 46.00 23.11 0.30 0.10 0.50 192.13
10.50 91.63 5.10 71.30 181.11 0.10 0.20 46.00 23.11 0.30 0.10 0.50 192.131138.58 399.19 5246.81 368.12 3552.89 3884.72 479.68 626.17 701.02 1830.09 1230.81 280.03 497.76 173.24 4234.801135.73 399.19 4993.61 368.12 3540.91 3787.27 477.27 626.17 701.02 1830.09 1229.43 497.76 172.79 4140.19
241.12 1.65 81.57 0.90 280.03 79.452.85 12.07 10.33 15.88 1.50 1.37 0.44 15.16
5.705.70
23.79 9.40 171.01 29.93 240.18 113.75 8.68 18.58 34.50 49.52 26.73 15.58 62.01 4.23 131.5621.73 170.48 290.82 17.96 143.52 373.69 8.98 21.38 35.70 66.19 62.76 10.96 37.19 9.81 328.2010.41 0.18 107.48 3.17 82.99 114.36 6.22 7.25 14.74 14.83 16.11 4.31 22.23 1.85 102.31
2.47 6.22 46.42 6.74 3.41 6.60 0.47 2.51 7.43 0.17 7.84 2.33 8.367.53 159.00 4.39 1.65 11.76 59.78 1.25 5.85 1.04 27.59 27.04 1.29 4.51 4.00 2.28
1.32 5.09 132.54 6.40 45.35 192.96 1.05 8.28 19.92 21.25 12.18 5.20 2.62 1.63 215.260.78 2.82 0.33 0.78 5.25 0.05
325.34 0.00 66.09 0.3659.17 0.28 27.00 5.50 5.59 22.71
2318.57 786.90 7781.90 646.14 5209.19 6328.43 744.10 1187.32 1030.06 2774.92 1782.77 420.33 716.64 290.65 6422.91
14
Statement of Assets and Liabilities as on Marg end 2068
Rs. in million
Liabilities
1 CAPITAL FUND a. Paid‐up Capital
b. Calls in Advance c. General Reserves
d. Share Premiume. Retained Earningf. Others Reserves Fundg. Exchange Fluctuation Fund
2 BORROWINGS a. NRB
b. "A"Class Licensed Institutionc. Foreign Banks and Fin. Ins.d. Other Financial Ins.e. Bonds and Securities
3 DEPOSITSa. Current Domestic Foreignb. Savings Domestic Foreignc. Fixed Domestic Foreignd. Call Depositse. Others
4 Bills Payable5 Other Liabilities
1. Sundry Creditors 2. Loan Loss Provision 3. Interest Suspense a/c 4. Others
6 Reconcillation A/c7 Profit & Loss A/c
Assets1 LIQUID FUNDS
a. Cash Balance Nepalese Notes & Coins Foreign Currencyb. Bank Balance 1. In Nepal Rastra Bank Domestic Currency Foreign Currency 2. "A"Class Licensed Institution Domestic Currency Foreign Currency 3. Other Financial Ins. 4. In Foreign Banksc. Money at Call Domestic Currency Foreign Currency
2 INVESTMENT IN SECURITIESa. Govt.Securities b. NRB Bond c. Govt.Non‐Fin. Ins. d. Other Non‐Fin Ins.e Non Residents
3 SHARE & OTHER INVESTMENT a. Non Residents b. Others
4 LOANS & ADVANCES a. Private Sector b. Financial Institutions c. Government Organizations
5 BILL PURCHASED a. Domestic Bills Purchased b. Foreign Bills Purchased c. Import Bills & Imports
6 LOANS AGAINST COLLECTED BILLS a. Against Domestic Bills b. Against Foreign Bills
7 FIXED ASSETS8 OTHER ASSETS
a. Accrued Interest: b. Staff Loans / Adv. c. Sundry Debtors d. Cash In Transit e. Others
9 Expenses not Written off10 Non Banking Assets11 Reconcillation Account12 Profit & Loss A/c
TOTAL LIABILITIES
TOTAL ASSETS
Bhar
gav
Shan
grila
Resu
nga
Rara
diya
lo
Coun
try
Alpi
ne
Nilg
iri
Kast
ham
and
ap
Gar
ima
City
Bish
ow
Prof
essi
onal
Kabe
li
Kam
ana
93.47 334.66 84.63 223.33 113.43 329.50 115.56 66.61 510.52 232.50 255.17 292.09 109.42 22.17 215.3794.49 320.00 61.20 200.10 100.00 320.00 100.00 50.00 480.81 200.00 220.00 240.00 100.00 20.00 200.00
1.36 10.08 1.81 1.47 4.94 8.99 2.01 1.84 9.31 14.24 14.95 10.61 0.87 2.17 9.511.28
‐2.38 2.66 20.19 21.76 8.33 12.59 14.77 20.40 18.26 19.71 41.48 8.55 5.861.91 0.16 0.16 0.51 0.96 0.50
0.0030.00
30.00
184.79 2010.61 959.18 329.95 394.82 994.47 445.18 400.38 3363.40 1659.09 1901.94 1765.58 203.07 230.13 1269.9010.78 2.42 38.21 10.54 1.15 37.90 27.81 7.63 13.82 1.38 6.15 14.0510.78 2.42 38.21 10.54 1.15 37.89 27.81 7.63 13.82 1.38 6.15 14.05
0.01135.47 1193.76 874.96 273.79 103.12 162.01 268.91 192.65 1532.11 992.18 1030.09 634.44 72.36 169.70 609.48135.47 1193.76 874.96 273.79 103.12 162.01 268.91 192.65 1531.16 992.18 1030.09 634.44 72.36 169.70 609.48
0.9538.54 600.14 83.82 52.21 132.33 368.04 100.47 129.66 867.40 400.66 544.93 693.88 29.40 38.84 310.1538.54 600.14 83.82 52.21 132.33 368.04 100.47 129.66 867.40 400.66 544.93 693.88 29.40 38.84 310.15
212.45 156.62 426.21 65.04 76.57 922.41 238.44 318.60 423.44 99.93 15.43 336.224.26 0.40 3.96 0.33 0.22 0.35 3.58 0.69
0.17 0.0116.50 138.96 40.47 33.95 28.95 96.61 43.38 23.72 269.55 83.05 186.06 160.80 10.07 8.30 109.78
0.38 0.81 1.29 0.16 0.32 1.98 8.77 0.14 7.08 12.26 0.07 1.46 1.34 0.30 1.192.75 30.03 9.45 5.81 3.44 16.15 8.66 3.58 33.54 13.01 22.13 16.58 1.75 1.64 12.953.53 28.41 5.41 9.43 5.21 10.47 8.04 6.62 55.65 14.34 19.56 30.48 1.28 2.99 16.229.84 79.71 24.32 18.54 19.97 68.01 17.91 13.38 173.29 43.45 144.30 112.29 5.70 3.36 79.43
28.83 394.80 46.74 0.04 9.99 250.993.56 6.15 3.33 1.34 2.89 4.70 1.29 10.29 7.58 7.74 3.27 0.03 7.58
323.58 2487.79 1485.23 637.29 538.54 1453.52 618.80 492.00 4143.47 2235.94 2350.92 2226.21 325.82 260.63 1602.65
116.52 647.97 516.41 251.55 141.84 346.57 123.30 158.90 1101.55 576.32 600.36 566.70 148.17 61.61 532.774.68 46.16 28.64 13.31 5.66 41.00 28.21 11.48 67.31 34.34 42.26 17.53 7.76 9.21 30.104.68 45.62 28.64 13.31 5.66 41.00 27.92 11.28 67.00 34.19 42.22 17.53 7.76 9.21 29.66
0.55 0.29 0.20 0.31 0.15 0.05 0.44111.83 601.81 71.47 101.15 136.18 64.81 26.14 77.64 1034.24 97.30 558.09 549.18 10.17 17.31 502.67
9.79 107.38 1.30 21.01 45.65 0.81 0.01 146.63 77.30 90.34 88.82 0.09 1.66 61.149.79 107.38 1.30 21.01 45.65 0.81 0.01 146.63 77.30 90.34 88.82 0.09 1.66 61.14
69.36 313.82 30.19 12.65 36.22 18.98 22.59 77.63 632.92 321.14 137.08 10.07 15.66 162.7769.36 313.82 30.19 12.65 36.22 18.98 22.59 77.63 628.61 321.14 137.08 10.07 15.66 162.77
4.3032.69 180.60 39.97 88.50 78.95 0.17 2.74 254.69 20.00 146.61 323.27 0.02 278.75
416.30 137.09 240.77 68.95 69.79 444.68 130.23 35.09416.30 137.09 240.77 68.95 69.79 444.68 130.23 35.09
3.20 10.00 17.19 93.10 10.003.20 10.00 17.19 93.10 10.00
1.00 20.50 30.00 20.50 0.50 168.06 50.60 1.50 0.10 1.00
1.00 20.50 30.00 20.50 0.50 168.06 50.60 1.50 0.10 1.00154.01 1753.29 540.10 284.81 341.33 1020.50 438.24 311.82 2451.60 1356.44 1573.75 1551.47 165.62 173.23 993.14154.01 1753.29 540.10 284.81 341.33 1007.54 438.24 311.82 2378.87 1356.41 1573.75 1551.47 165.62 173.23 993.14
1.11 72.7311.86 0.03
1.501.50
6.41 45.80 11.63 13.44 5.40 31.17 16.24 7.47 122.99 29.38 52.99 57.46 6.20 19.15 36.938.44 39.74 20.68 17.21 9.69 17.58 40.03 14.81 157.53 20.70 59.32 49.08 5.74 6.64 38.623.53 28.89 5.41 9.43 5.21 10.47 8.04 6.62 61.86 14.34 20.07 30.48 1.28 3.62 16.221.82 2.17 0.31 0.18 0.05 0.22 0.55 5.37 0.20 6.49 0.13 0.13 0.110.24 3.86 8.91 0.19 2.59 0.50 23.69 71.99 0.21 0.00 2.02 2.05 2.72 7.62
2.84 4.81 6.37 7.28 1.70 6.56 8.08 7.65 18.32 5.95 32.75 16.45 2.29 0.19 14.780.17 0.29 0.50 7.43 2.11 3.903.03
29.04 396.41 49.77 ‐1.01 3.75 250.99 0.202.76 35.97
323.58 2487.79 1485.23 637.29 538.54 1453.52 618.80 492.00 4143.47 2235.94 2350.92 2226.21 325.82 260.63 1602.65
15
Statement of Assets and Liabilities as on Marg end 2068
Rs. in million
Liabilities
1 CAPITAL FUND a. Paid‐up Capital
b. Calls in Advance c. General Reserves
d. Share Premiume. Retained Earningf. Others Reserves Fundg. Exchange Fluctuation Fund
2 BORROWINGS a. NRB
b. "A"Class Licensed Institutionc. Foreign Banks and Fin. Ins.d. Other Financial Ins.e. Bonds and Securities
3 DEPOSITSa. Current Domestic Foreignb. Savings Domestic Foreignc. Fixed Domestic Foreignd. Call Depositse. Others
4 Bills Payable5 Other Liabilities
1. Sundry Creditors 2. Loan Loss Provision 3. Interest Suspense a/c 4. Others
6 Reconcillation A/c7 Profit & Loss A/c
Assets1 LIQUID FUNDS
a. Cash Balance Nepalese Notes & Coins Foreign Currencyb. Bank Balance 1. In Nepal Rastra Bank Domestic Currency Foreign Currency 2. "A"Class Licensed Institution Domestic Currency Foreign Currency 3. Other Financial Ins. 4. In Foreign Banksc. Money at Call Domestic Currency Foreign Currency
2 INVESTMENT IN SECURITIESa. Govt.Securities b. NRB Bond c. Govt.Non‐Fin. Ins. d. Other Non‐Fin Ins.e Non Residents
3 SHARE & OTHER INVESTMENT a. Non Residents b. Others
4 LOANS & ADVANCES a. Private Sector b. Financial Institutions c. Government Organizations
5 BILL PURCHASED a. Domestic Bills Purchased b. Foreign Bills Purchased c. Import Bills & Imports
6 LOANS AGAINST COLLECTED BILLS a. Against Domestic Bills b. Against Foreign Bills
7 FIXED ASSETS8 OTHER ASSETS
a. Accrued Interest: b. Staff Loans / Adv. c. Sundry Debtors d. Cash In Transit e. Others
9 Expenses not Written off10 Non Banking Assets11 Reconcillation Account12 Profit & Loss A/c
TOTAL LIABILITIES
TOTAL ASSETS
Corp
orat
e
Path
ibha
ra
Purn
ima
Jyot
i
Bagm
ati
Ham
ro
Kakr
e
Shin
e
Paci
fic
Civi
c
IDBL
Gul
mi
Kanc
han
Mat
ribh
umi
Brig
ht
274.66 113.06 116.01 762.37 26.35 41.82 21.21 210.02 43.37 27.19 492.05 18.46 75.84 30.45 109.64200.00 100.00 100.00 740.00 26.50 21.00 18.00 200.00 39.00 14.00 448.00 17.50 70.00 15.40 98.00
20.28 13.00 12.907.61 1.39 1.28 17.81 ‐0.15 0.54 8.00 0.87 0.04 8.08 0.96 1.17 0.43 2.20
0.1467.05 11.40 14.73 2.80 3.21 1.86 3.50 0.15 32.29 4.67 1.72 9.44
0.13 1.75 0.16 3.690.00
887.36 779.65 644.24 2784.05 91.06 212.13 169.59 1433.51 320.04 82.34 3382.86 281.50 546.83 132.58 372.583.93 6.20 21.61 111.98 10.09 1.49 15.42 4.85 29.90 2.973.93 6.20 21.61 111.96 10.09 1.49 15.42 4.85 29.90 2.97
0.01315.06 449.13 339.31 1147.65 60.13 112.17 135.11 828.26 171.75 72.87 1307.69 256.01 485.17 71.80 94.05315.06 449.13 339.31 1141.14 60.13 112.17 135.11 828.26 171.75 72.87 1307.69 256.01 485.17 71.80 94.05
6.51478.07 80.01 166.00 957.71 13.86 50.60 32.99 361.48 39.94 9.47 1232.75 25.50 61.66 30.90 53.80478.07 80.01 166.00 957.71 13.86 50.60 32.99 361.48 39.94 9.47 1232.75 25.50 61.66 30.90 53.80
86.70 244.30 117.32 543.48 16.82 39.26 224.71 103.45 806.89 29.88 221.673.60 23.23 0.26 3.64 0.05 5.63 0.09
0.2595.94 27.24 26.65 272.79 3.99 6.13 2.41 99.02 11.27 4.99 316.35 9.22 25.14 5.94 24.51
7.86 0.27 2.84 0.72 0.11 0.37 0.15 9.62 0.32 1.87 60.86 0.84 0.29 0.16 0.1011.97 8.36 5.67 42.18 0.92 1.80 1.56 10.73 3.47 0.84 64.17 1.46 3.74 1.21 3.4335.94 3.64 5.40 33.32 0.33 0.30 22.78 2.03 0.83 94.71 1.19 6.76 1.25 6.5640.17 14.96 12.75 196.56 2.62 3.96 0.41 55.89 5.45 1.44 96.60 5.74 14.35 3.32 14.41
72.01 0.18 10.79 113.51 10.841.27 16.91 0.89 2.61 3.61 1.87 2.21 ‐41.01 0.61 1.67 0.20
1257.96 993.24 786.90 3836.11 122.30 262.68 196.82 1744.42 377.07 125.30 4150.50 309.79 762.99 179.82 506.92
239.38 288.45 309.27 973.27 23.81 53.57 55.19 446.83 82.27 37.41 758.26 155.26 194.44 57.01 155.683.77 35.37 19.91 59.76 4.16 7.66 9.78 38.05 7.31 2.56 155.90 7.83 10.94 4.84 13.113.77 35.37 19.91 59.19 4.16 7.66 9.66 38.05 7.31 2.56 153.71 7.80 10.94 4.84 13.11
0.57 0.12 2.19 0.04235.61 50.89 289.36 172.69 6.06 19.09 45.41 77.88 74.96 3.10 197.25 7.52 183.50 6.68 26.02
47.81 0.24 33.09 144.80 0.09 0.48 5.03 192.28 3.25 6.8647.81 0.24 33.09 144.80 0.09 0.48 5.03 192.28 3.25 6.86
110.55 50.64 141.62 27.89 6.06 19.00 38.36 76.20 20.17 2.92 4.96 7.52 82.62 6.68 19.16110.55 50.64 141.62 27.88 6.06 19.00 38.36 76.20 20.17 2.92 4.96 7.52 82.62 6.68 19.16
0.0177.25 0.00 114.65 7.05 1.20 49.76 0.18 0.01 0.00 97.64
202.20 740.83 13.59 26.83 330.90 31.75 405.12 139.91 45.50 116.55202.20 731.72 13.59 26.83 330.90 31.75 402.71 139.91 45.50 116.55
9.11 2.41119.64 1.00 10.33 98.24119.64 1.00 10.33 98.24
14.63 0.10 0.57 0.10 1.00 57.30 37.10 0.1014.63
0.10 0.57 0.10 1.00 57.30 37.10 0.10904.46 591.07 445.93 2544.75 92.10 188.55 136.34 1213.17 278.70 64.82 2937.66 145.17 381.99 103.84 328.29894.06 590.53 445.93 2531.25 92.10 188.55 136.34 1213.17 277.93 64.82 2899.76 141.57 381.99 103.84 328.29
10.40 8.90 0.78 37.900.53 4.60 3.60
3.353.35
35.59 23.16 14.99 89.61 3.93 15.23 2.77 27.29 8.45 6.80 129.89 7.24 21.79 4.51 13.7855.33 16.24 13.84 105.51 2.13 3.25 2.42 45.79 7.47 3.36 169.13 2.13 13.55 2.25 9.0736.03 3.64 5.40 41.17 0.33 1.56 23.45 2.03 0.83 95.86 1.19 6.88 1.25 6.56
1.77 16.06 0.85 0.53 0.60 9.50 1.45 0.55 0.06 0.27 0.00 0.054.99 4.38 2.00 0.42 0.07 0.30 1.68 3.42 0.10 4.74 0.02 0.70
19.29 5.83 4.06 46.27 0.53 1.08 1.52 12.84 2.31 1.98 69.79 0.84 1.65 0.98 1.762.25 2.18 3.24 0.33 0.51 0.18 0.79 0.11
72.08 10.79 114.11 11.385.22 0.69 1.33 0.71
1257.96 993.24 786.90 3836.11 122.30 262.68 196.82 1744.42 377.07 125.30 4150.50 309.79 762.99 179.82 506.92
16
Statement of Assets and Liabilities as on Marg end 2068
Rs. in million
Liabilities
1 CAPITAL FUND a. Paid‐up Capital
b. Calls in Advance c. General Reserves
d. Share Premiume. Retained Earningf. Others Reserves Fundg. Exchange Fluctuation Fund
2 BORROWINGS a. NRB
b. "A"Class Licensed Institutionc. Foreign Banks and Fin. Ins.d. Other Financial Ins.e. Bonds and Securities
3 DEPOSITSa. Current Domestic Foreignb. Savings Domestic Foreignc. Fixed Domestic Foreignd. Call Depositse. Others
4 Bills Payable5 Other Liabilities
1. Sundry Creditors 2. Loan Loss Provision 3. Interest Suspense a/c 4. Others
6 Reconcillation A/c7 Profit & Loss A/c
Assets1 LIQUID FUNDS
a. Cash Balance Nepalese Notes & Coins Foreign Currencyb. Bank Balance 1. In Nepal Rastra Bank Domestic Currency Foreign Currency 2. "A"Class Licensed Institution Domestic Currency Foreign Currency 3. Other Financial Ins. 4. In Foreign Banksc. Money at Call Domestic Currency Foreign Currency
2 INVESTMENT IN SECURITIESa. Govt.Securities b. NRB Bond c. Govt.Non‐Fin. Ins. d. Other Non‐Fin Ins.e Non Residents
3 SHARE & OTHER INVESTMENT a. Non Residents b. Others
4 LOANS & ADVANCES a. Private Sector b. Financial Institutions c. Government Organizations
5 BILL PURCHASED a. Domestic Bills Purchased b. Foreign Bills Purchased c. Import Bills & Imports
6 LOANS AGAINST COLLECTED BILLS a. Against Domestic Bills b. Against Foreign Bills
7 FIXED ASSETS8 OTHER ASSETS
a. Accrued Interest: b. Staff Loans / Adv. c. Sundry Debtors d. Cash In Transit e. Others
9 Expenses not Written off10 Non Banking Assets11 Reconcillation Account12 Profit & Loss A/c
TOTAL LIABILITIES
TOTAL ASSETS
Inno
vativ
e
Jhim
ruk
Met
ro
Vibo
r
Gau
muk
hi
Rapt
iver
i
Cons
umer
Khad
bari
Tour
ism
Mis
sion
Sury
a
Mt.
Mak
alu
Sind
hu
Saha
ra
Soci
al
69.81 14.72 81.62 740.91 10.44 76.23 156.72 18.32 451.66 68.09 13.64 13.95 44.23 12.38 397.3966.25 12.00 70.00 681.83 14.00 60.00 140.00 17.50 400.00 70.00 15.00 14.00 51.00 14.00 382.65
6.65 15.010.23 ‐3.93 2.32 29.59 ‐3.56 3.34 0.82 9.45 0.39 ‐6.77 ‐1.62 2.26
3.33 9.29 5.83 1.22 13.38 37.70 ‐2.29 ‐1.36 ‐0.05 9.0323.67 4.51 3.45
824.00 3.00 5.29 5.92250.00574.00 5.29
5.923.00
496.99 146.19 553.87 2579.66 91.56 128.44 358.05 55.79 1348.70 483.93 58.68 44.98 340.81 64.95 457.2511.06 5.10 4.61 16.24 2.10 0.64 4.48 2.70 70.11 0.63 2.58 0.02 22.35 0.6811.06 5.10 4.61 16.24 2.10 0.64 4.48 2.70 65.19 0.63 2.58 0.02 22.35 0.68
4.92170.46 97.55 266.76 538.38 77.32 82.85 135.22 43.53 489.08 226.20 28.03 36.54 179.84 38.74 37.39170.46 97.55 266.76 538.38 77.32 82.85 135.22 43.53 489.02 226.20 28.03 36.54 179.84 38.74 37.39
0.05103.47 17.71 173.21 1502.95 4.08 38.28 120.20 7.42 419.82 80.21 20.49 4.32 66.47 2.30 118.38103.47 17.71 173.21 1502.95 4.08 38.28 120.20 7.42 419.82 80.21 20.49 4.32 66.47 2.30 118.38
212.00 25.84 109.29 521.18 8.06 6.67 97.86 2.14 349.31 176.89 7.58 4.10 1.40 300.800.92 0.29 20.38 94.49 0.15
0.04 0.69 5.2015.99 4.93 27.58 499.14 3.24 9.23 25.31 15.71 84.92 16.82 1.54 0.92 14.38 4.22 61.27
0.32 0.55 1.16 0.57 0.17 0.52 1.64 13.84 0.10 0.80 0.04 1.71 0.20 0.002.96 1.07 4.76 57.76 0.77 3.62 3.62 0.56 17.39 3.09 0.45 0.38 2.65 0.69 5.482.12 1.55 8.58 85.00 1.12 2.81 8.49 0.36 33.51 2.32 0.29 0.45 1.93 0.55 26.95
10.60 1.76 13.09 355.81 1.18 2.28 11.57 0.94 33.92 11.41 0.05 8.09 2.78 28.840.00 9.40 32.32 0.54 3.96
0.29 0.30 0.80 1.02 1.36 0.14582.84 165.85 663.36 4644.41 117.94 246.21 540.89 90.36 1900.76 574.77 73.85 61.22 399.41 81.69 915.91
248.64 32.16 161.93 204.62 23.35 45.29 156.02 17.16 404.15 201.76 14.85 20.30 107.12 16.02 204.3613.46 9.93 10.65 44.97 4.77 13.18 3.48 2.90 82.75 16.30 4.66 4.67 9.95 2.73 8.3613.46 9.79 10.65 44.97 4.42 13.17 3.48 2.90 57.01 16.30 4.66 4.67 9.54 2.73 8.36
0.14 0.35 0.01 25.74 0.4124.37 16.90 27.79 159.65 5.07 8.20 17.88 3.43 81.75 1.01 3.00 2.33 8.17 13.29 196.0024.37 27.79 125.81 8.09 17.50 81.75 1.01 8.07 56.6824.37 27.79 125.81 8.09 17.50 64.99 1.01 8.07 56.68
16.7611.80 2.71 4.92 0.12 0.27 3.42 3.00 2.56 0.10 13.29 43.0011.80 2.71 4.92 0.12 0.27 3.42 3.00 2.56 0.10 13.29 43.00
5.10 31.13 0.14 0.11 0.01 ‐0.23 96.32
210.81 5.34 123.48 13.51 23.91 134.66 10.83 239.65 184.45 7.18 13.30 88.99210.81 5.34 123.48 13.51 23.91 134.66 10.83 235.48 184.45 7.18 13.30 88.99
4.17100.00 10.00 9.18100.00 9.18
10.00
0.10 359.52 50.00 45.20
0.10 359.52 50.00 45.20308.33 124.26 475.66 2088.04 78.85 152.39 350.63 62.34 1317.98 339.07 48.90 38.27 265.02 58.45 547.67308.33 124.26 475.66 1975.18 78.85 152.39 343.13 62.34 1302.98 339.07 48.90 38.27 265.02 58.45 533.67
107.76 7.50 15.00 14.005.10
17.74 3.92 13.30 127.89 3.99 6.87 19.29 1.74 43.64 23.76 6.56 1.50 17.13 3.90 56.316.03 4.62 12.46 1499.99 2.01 8.95 14.95 8.03 67.93 7.51 2.55 0.99 8.07 2.11 39.152.12 1.55 8.58 85.00 1.12 2.71 8.49 0.36 38.09 2.32 0.29 0.45 1.93 0.59 27.621.50 25.87 0.08 1.06 3.80 0.27 2.76 0.16 0.67 0.04 1.311.25 0.66 3.06 0.84 0.17 4.70 0.05 6.95 10.93 3.21 0.96 0.25 0.63 0.11
1.16 2.41 0.82 1388.28 0.63 0.48 2.61 0.44 16.15 1.82 1.31 0.29 5.47 0.86 10.110.16 0.37 0.34 0.47 0.74 0.72 0.15 0.55
119.170.00 9.40 32.20 3.97 ‐0.02
2.10 0.63 144.81 0.49 0.62 3.10 1.94 0.27 2.08 0.66 14.03582.84 165.85 663.36 4644.41 117.94 246.21 540.89 90.36 1900.76 574.77 73.85 61.22 399.41 81.69 915.91
17
Statement of Assets and Liabilities as on Marg end 2068
Rs. in million
Liabilities
1 CAPITAL FUND a. Paid‐up Capital
b. Calls in Advance c. General Reserves
d. Share Premiume. Retained Earningf. Others Reserves Fundg. Exchange Fluctuation Fund
2 BORROWINGS a. NRB
b. "A"Class Licensed Institutionc. Foreign Banks and Fin. Ins.d. Other Financial Ins.e. Bonds and Securities
3 DEPOSITSa. Current Domestic Foreignb. Savings Domestic Foreignc. Fixed Domestic Foreignd. Call Depositse. Others
4 Bills Payable5 Other Liabilities
1. Sundry Creditors 2. Loan Loss Provision 3. Interest Suspense a/c 4. Others
6 Reconcillation A/c7 Profit & Loss A/c
Assets1 LIQUID FUNDS
a. Cash Balance Nepalese Notes & Coins Foreign Currencyb. Bank Balance 1. In Nepal Rastra Bank Domestic Currency Foreign Currency 2. "A"Class Licensed Institution Domestic Currency Foreign Currency 3. Other Financial Ins. 4. In Foreign Banksc. Money at Call Domestic Currency Foreign Currency
2 INVESTMENT IN SECURITIESa. Govt.Securities b. NRB Bond c. Govt.Non‐Fin. Ins. d. Other Non‐Fin Ins.e Non Residents
3 SHARE & OTHER INVESTMENT a. Non Residents b. Others
4 LOANS & ADVANCES a. Private Sector b. Financial Institutions c. Government Organizations
5 BILL PURCHASED a. Domestic Bills Purchased b. Foreign Bills Purchased c. Import Bills & Imports
6 LOANS AGAINST COLLECTED BILLS a. Against Domestic Bills b. Against Foreign Bills
7 FIXED ASSETS8 OTHER ASSETS
a. Accrued Interest: b. Staff Loans / Adv. c. Sundry Debtors d. Cash In Transit e. Others
9 Expenses not Written off10 Non Banking Assets11 Reconcillation Account12 Profit & Loss A/c
TOTAL LIABILITIES
TOTAL ASSETS
NCD
BL
Cosm
os
Man
aslu
Sam
abri
ddhi
Ekat
a
Kalin
chow
k
NH
DFC
L
Nep
al
Fina
nce
NID
C Ca
pita
l
Nar
ayan
i N
atio
nal
AFCL
NSM
FL
Peop
les
Mer
chan
tile
Kath
man
du
66.40 14.98 68.37 70.90 60.00 51.21 213.10 177.51 329.01 870.42 823.54 ‐167.13 56.02 35.47 167.8070.00 17.50 70.00 70.00 60.00 51.00 167.60 111.44 222.36 647.48 704.29 2034.29 289.01 18.00 138.01
‐3.60 0.06 44.30 34.40 77.86 109.77 105.85 58.80 26.20 6.06 27.2112.79 2.48 10.74 0.22
‐2.52 ‐1.63 0.22 0.21 0.80 31.67 25.70 96.09 11.06 ‐2271.98 ‐270.83 0.18 2.360.62 0.40 3.09 4.28 2.34 9.29 0.89 11.23
33.00 47.50 460.04 30.00
33.00 47.50 346.25
113.79 30.00
293.11 66.18 151.10 67.92 34.79 12.17 477.30 522.29 1310.39 2607.66 3818.87 2014.65 624.06 42.87 394.593.17 0.71 1.48 0.32 0.34 0.18 29.143.17 0.71 1.48 0.32 0.34 0.18 29.14
70.02 62.29 87.12 35.16 27.34 6.01 80.20 92.87 357.57 643.26 1348.22 1046.97 134.57 87.6470.02 62.29 87.12 35.16 27.34 6.01 80.20 92.87 357.57 643.26 1348.22 1046.97 134.57 87.64
59.10 3.83 8.75 7.00 4.03 0.64 376.70 425.94 831.18 1933.46 1793.59 967.68 475.99 42.78 306.9659.10 3.83 8.75 7.00 4.03 0.64 376.70 425.94 831.18 1933.46 1793.59 967.68 475.99 42.78 306.96
160.81 54.52 24.28 3.09 3.32 121.46 647.920.05 1.86 20.40 3.48 30.94 13.51 0.09
0.0311.97 2.93 5.95 3.78 1.65 0.06 117.90 246.45 344.76 306.60 398.64 4079.84 483.48 3.41 69.72
0.78 1.46 0.16 1.12 16.40 40.52 40.47 4.07 25.18 24.30 53.98 0.02 1.661.91 0.53 1.20 0.89 0.00 25.20 22.82 67.01 61.09 99.31 2885.95 357.46 1.93 20.651.21 0.17 1.25 22.20 51.36 99.09 76.88 71.76 639.13 58.46 6.928.86 1.46 2.04 2.73 0.52 0.06 54.10 131.75 138.18 164.57 202.39 530.47 13.58 1.46 40.50
4.780.06 10.92 26.45 4.10
371.48 84.09 230.20 142.70 96.44 63.44 808.30 979.25 2031.65 3795.61 5067.50 6387.41 1193.56 85.85 632.12
147.28 32.38 49.65 40.71 63.33 57.08 255.60 75.41 557.08 712.63 1141.07 66.81 148.53 7.17 139.546.54 2.89 7.38 5.28 2.55 0.70 2.40 3.12 3.75 36.70 91.43 7.63 6.51 0.08 3.796.54 2.89 7.27 5.28 2.55 0.70 2.40 3.11 3.75 36.70 91.23 7.63 6.51 0.08 3.79
0.11 0.01 0.1920.44 3.76 9.17 35.43 60.78 56.38 190.40 72.29 538.33 675.93 204.08 37.76 46.41 7.09 135.7515.43 3.85 0.03 17.10 13.02 94.87 61.18 195.75 11.50 46.07 0.91 24.5315.43 3.85 0.03 17.10 13.02 94.87 61.18 195.75 11.50 46.07 0.91 24.53
5.02 3.76 9.17 8.22 56.39 27.33 116.70 42.94 105.35 569.45 8.33 23.31 0.33 0.24 111.215.02 3.76 9.17 8.22 56.39 27.33 116.70 42.94 105.35 569.45 8.33 23.31 0.33 0.24 111.21
23.35 4.36 29.05 56.60 16.32 338.10 45.30 2.95 5.93
120.29 25.73 33.10 62.80 15.00 845.56 21.43 95.61120.29 25.73 33.10 62.80 15.00 845.56 21.43 95.61
25.00 24.55 55.27 79.94 108.65 10.91 3.00 12.5025.00 24.55 55.27 79.94 108.65 10.91 3.00 12.50
0.20 21.83 82.36 53.97 172.13 107.42 5.68 4.68 47.35
0.20 21.83 82.36 53.97 172.13 107.42 5.68 4.68 47.35190.93 41.48 139.92 88.94 25.92 0.31 453.90 685.08 1131.35 2636.06 3408.26 4311.93 823.75 69.21 398.19190.93 41.48 139.92 25.92 0.31 453.90 685.08 1131.35 2636.06 3408.26 4215.99 823.75 69.21 398.19
88.94 62.5033.44
21.22 7.00 16.83 10.87 2.83 3.67 4.70 5.41 46.19 112.62 129.20 166.58 125.07 0.85 18.528.06 0.64 17.46 2.17 4.27 0.94 63.50 148.22 137.83 192.33 105.78 1358.74 70.33 0.94 14.891.21 0.17 1.24 33.40 52.08 99.58 76.88 71.76 636.38 58.64 7.090.23 0.01 0.53 12.50 0.01 0.34 20.24 7.98 8.24 0.04 0.16
0.01 15.04 0.50 3.84 3.40 11.95 21.48 24.73 137.72 1.26 0.36 0.09
6.61 0.45 0.66 1.67 0.43 0.94 14.20 84.18 37.90 73.74 1.31 576.40 10.43 0.55 7.550.59 4.15 2.413.07 18.49 3.90 1.19 0.19
0.05 4.78 0.01 26.133.99 2.55 1.56 0.08 1.45 5.40 15.11 3.08 337.70 20.21 0.94
371.48 84.09 230.20 142.70 96.44 63.44 808.30 979.25 2031.65 3795.61 5067.50 6387.41 1193.56 85.85 632.12
18
Statement of Assets and Liabilities as on Marg end 2068
Rs. in million
Liabilities
1 CAPITAL FUND a. Paid‐up Capital
b. Calls in Advance c. General Reserves
d. Share Premiume. Retained Earningf. Others Reserves Fundg. Exchange Fluctuation Fund
2 BORROWINGS a. NRB
b. "A"Class Licensed Institutionc. Foreign Banks and Fin. Ins.d. Other Financial Ins.e. Bonds and Securities
3 DEPOSITSa. Current Domestic Foreignb. Savings Domestic Foreignc. Fixed Domestic Foreignd. Call Depositse. Others
4 Bills Payable5 Other Liabilities
1. Sundry Creditors 2. Loan Loss Provision 3. Interest Suspense a/c 4. Others
6 Reconcillation A/c7 Profit & Loss A/c
Assets1 LIQUID FUNDS
a. Cash Balance Nepalese Notes & Coins Foreign Currencyb. Bank Balance 1. In Nepal Rastra Bank Domestic Currency Foreign Currency 2. "A"Class Licensed Institution Domestic Currency Foreign Currency 3. Other Financial Ins. 4. In Foreign Banksc. Money at Call Domestic Currency Foreign Currency
2 INVESTMENT IN SECURITIESa. Govt.Securities b. NRB Bond c. Govt.Non‐Fin. Ins. d. Other Non‐Fin Ins.e Non Residents
3 SHARE & OTHER INVESTMENT a. Non Residents b. Others
4 LOANS & ADVANCES a. Private Sector b. Financial Institutions c. Government Organizations
5 BILL PURCHASED a. Domestic Bills Purchased b. Foreign Bills Purchased c. Import Bills & Imports
6 LOANS AGAINST COLLECTED BILLS a. Against Domestic Bills b. Against Foreign Bills
7 FIXED ASSETS8 OTHER ASSETS
a. Accrued Interest: b. Staff Loans / Adv. c. Sundry Debtors d. Cash In Transit e. Others
9 Expenses not Written off10 Non Banking Assets11 Reconcillation Account12 Profit & Loss A/c
TOTAL LIABILITIES
TOTAL ASSETS
Him
alay
a
Uni
on
Gor
kha
Pasc
him
anc
hal
NH
MFL
Uni
vers
al
Sam
jhan
a
Goo
dwill
Sidd
hart
ha
FC Sri
Inve
stm
ent
Lum
bini
Inve
sta
Yeti
Stan
dard
ILFC
O
160.30 234.19 186.76 285.28 321.65 190.87 360.14 217.16 211.54 440.08 78.24 241.05 1102.29 2277.10140.00 176.19 145.81 220.84 220.30 152.00 300.00 130.87 160.00 268.13 24.00 161.00 1001.88 2008.80
8.30 29.89 10.27 57.49 44.20 37.04 22.93 29.41 50.47 78.39 11.44 23.25 43.38 109.380.07 0.22 1.41 5.33 1.43 3.59
7.20 26.77 30.00 5.46 53.67 0.54 35.79 56.88 1.07 80.27 38.00 55.28 48.63 155.334.80 1.34 0.61 1.50 3.27 1.29 7.97 4.80 0.09 8.40
180.00 50.00 157.50 100.00 187.00108.00
180.00 30.00 78.00 100.00 79.00
20.00 79.50
526.59 952.02 286.60 1455.02 1522.51 932.98 1360.47 1011.47 1219.53 1327.92 1047.52 2667.39 1423.946.35 16.48 6.056.35 16.48 6.05
77.85 174.50 41.97 564.55 115.87 153.42 451.92 397.21 299.06 262.98 353.69 870.68 235.9877.85 174.50 41.97 564.55 115.87 153.42 451.92 397.21 299.06 262.98 353.69 870.68 235.98
448.74 709.81 244.64 890.47 1193.09 742.95 908.45 610.48 920.47 976.81 606.43 1480.21 1121.47448.74 709.81 244.64 890.47 1193.09 742.95 908.45 610.48 920.47 976.81 606.43 1480.21 1121.47
36.21 299.97 35.7325.14 213.55 36.62 0.09 3.78 88.13 87.40 0.05 24.72
0.1865.23 91.21 58.54 255.92 224.20 142.07 143.52 71.07 108.08 332.91 15.31 104.05 247.09 521.2710.03 2.38 7.46 9.92 4.61 8.09 4.85 2.27 0.11 2.86 0.01 23.1818.99 25.68 18.50 63.95 46.55 21.44 24.69 23.23 13.39 138.02 12.71 30.07 59.30 172.06
5.67 27.75 25.36 61.38 50.03 34.12 18.35 8.44 27.65 133.02 32.02 80.57 184.5530.54 37.79 12.30 123.13 127.62 76.59 95.87 31.30 62.19 59.60 2.49 39.10 107.21 141.48
0.74‐10.15 0.90 6.47 3.39 10.58 7.62 2.59 25.64
932.12 1327.60 531.91 1986.07 2069.25 1429.90 1967.52 1310.27 1539.15 2108.53 96.14 1392.62 4204.51 4247.95
167.88 173.79 65.67 409.55 189.16 158.86 166.02 275.37 159.35 264.13 16.91 339.00 925.49 857.607.39 5.23 2.19 12.73 6.70 3.73 59.11 13.04 2.71 4.99 0.01 6.83 96.20 12.007.39 5.23 2.19 12.73 6.70 3.73 59.11 13.04 2.71 4.99 0.01 6.83 96.20 12.00
160.49 54.21 11.90 396.82 68.42 64.71 106.90 262.33 156.65 66.14 16.90 22.12 829.29 845.6021.72 52.62 7.47 55.49 67.09 39.53 31.82 30.78 29.69 47.66 0.01 0.30 137.80 100.7821.72 52.62 7.47 55.49 67.09 39.53 31.82 30.78 29.69 47.66 0.01 0.30 137.80 100.78
138.77 1.45 4.44 341.33 1.25 25.18 75.08 121.51 91.74 3.49 16.89 21.76 484.36 639.64138.77 1.45 4.44 341.33 1.25 25.18 75.08 121.51 91.74 3.49 16.89 21.76 484.36 639.64
0.13 0.08 110.03 35.21 15.00 0.07 207.13 105.18
114.35 51.58 114.04 90.42 193.00 310.05114.35 51.58 114.04 90.42 193.00 310.05
44.94 12.76 22.50 94.86 38.34 128.93 50.00 45.49 53.63 27.50 30.63 99.75 167.0544.94 12.76 22.50 43.29 38.34 128.93 50.00 45.49 53.63 27.50 30.63 99.75 167.05
51.58
0.07 6.12 0.73 17.20 17.59 3.57 35.94 4.49 0.30 19.20 0.64 27.16 51.260.26
0.07 6.12 0.73 17.20 17.59 3.57 35.94 4.49 0.30 19.20 0.64 27.16 51.00721.58 992.75 362.54 1335.04 1478.02 1026.70 1314.73 906.84 1148.88 1580.93 42.97 931.30 2765.02 2853.59721.58 989.50 362.54 1335.04 1478.02 906.84 1148.88 1580.93 931.30 2765.02 2822.59
1016.73 1314.73 42.97 31.003.25 9.97
3.943.94
16.33 32.19 55.87 41.28 133.10 103.69 235.23 20.87 123.79 14.32 2.26 16.48 193.87 74.2718.21 59.01 32.33 147.85 155.11 96.32 75.98 47.54 52.27 162.49 6.51 61.93 146.23 232.42
5.67 27.75 25.36 65.36 50.03 88.31 52.73 8.44 28.85 133.02 2.20 33.03 81.63 193.246.66 6.10 11.74 6.33 1.79 11.33 0.75 1.58 0.14 1.13 7.840.89 12.89 0.45 4.35 2.57 0.29 13.95 2.79 0.00 12.11 0.00 12.23
4.99 12.27 6.52 66.40 98.76 5.44 21.17 13.82 19.89 27.88 4.16 15.67 56.76 26.950.38 0.05 5.82 1.43 10.69 11.71
1.55 5.43 1.41 0.98 5.16 1.43 8.97 22.62 0.051.40 13.83 0.00
6.49 18.42 1.96 7.63 3.66 20.45932.12 1327.60 531.91 1986.07 2069.25 1429.90 1967.52 1310.27 1539.15 2108.53 96.14 1392.62 4204.51 4247.95
19
Statement of Assets and Liabilities as on Marg end 2068
Rs. in million
Liabilities
1 CAPITAL FUND a. Paid‐up Capital
b. Calls in Advance c. General Reserves
d. Share Premiume. Retained Earningf. Others Reserves Fundg. Exchange Fluctuation Fund
2 BORROWINGS a. NRB
b. "A"Class Licensed Institutionc. Foreign Banks and Fin. Ins.d. Other Financial Ins.e. Bonds and Securities
3 DEPOSITSa. Current Domestic Foreignb. Savings Domestic Foreignc. Fixed Domestic Foreignd. Call Depositse. Others
4 Bills Payable5 Other Liabilities
1. Sundry Creditors 2. Loan Loss Provision 3. Interest Suspense a/c 4. Others
6 Reconcillation A/c7 Profit & Loss A/c
Assets1 LIQUID FUNDS
a. Cash Balance Nepalese Notes & Coins Foreign Currencyb. Bank Balance 1. In Nepal Rastra Bank Domestic Currency Foreign Currency 2. "A"Class Licensed Institution Domestic Currency Foreign Currency 3. Other Financial Ins. 4. In Foreign Banksc. Money at Call Domestic Currency Foreign Currency
2 INVESTMENT IN SECURITIESa. Govt.Securities b. NRB Bond c. Govt.Non‐Fin. Ins. d. Other Non‐Fin Ins.e Non Residents
3 SHARE & OTHER INVESTMENT a. Non Residents b. Others
4 LOANS & ADVANCES a. Private Sector b. Financial Institutions c. Government Organizations
5 BILL PURCHASED a. Domestic Bills Purchased b. Foreign Bills Purchased c. Import Bills & Imports
6 LOANS AGAINST COLLECTED BILLS a. Against Domestic Bills b. Against Foreign Bills
7 FIXED ASSETS8 OTHER ASSETS
a. Accrued Interest: b. Staff Loans / Adv. c. Sundry Debtors d. Cash In Transit e. Others
9 Expenses not Written off10 Non Banking Assets11 Reconcillation Account12 Profit & Loss A/c
TOTAL LIABILITIES
TOTAL ASSETS
Mah
alax
mi
Lalit
pur
Bhaj
urat
na
Uni
ted
Gen
eral
Prog
ress
ive
Alpi
c Ev
eres
t
Nav
adur
ga
Jana
ki
Pokh
ara
Cent
ral
Prem
ier
Arun
Mul
tipur
pos
e
Butw
al
532.01 281.43 101.06 405.39 172.02 134.54 172.99 145.75 155.25 419.58 242.76 155.06 112.98 34.44 254.61420.00 187.95 56.16 350.80 96.97 120.00 107.87 126.63 97.50 312.00 168.36 120.81 150.00 25.00 208.99
32.93 8.0044.97 63.33 11.75 35.06 11.03 2.35 19.04 18.32 35.08 60.78 28.23 17.06 1.96 1.34 21.26
1.49 3.89 4.84 4.32 0.12 0.43 0.2467.04 30.15 10.54 18.03 38.58 2.12 0.22 0.79 22.67 42.48 43.32 16.75 ‐46.98 7.15 23.71
22.62 0.00 21.54 5.23 12.93 2.74 0.96 0.40
10.00 39.90 20.00 30.00 15.00 20.00 7.00 63.60
39.90 10.00 30.00 15.00 63.60
10.00 10.00 20.00 7.00
2167.41 1617.73 185.32 2414.61 877.20 181.82 696.07 1055.63 760.10 1417.46 1698.48 1018.09 174.97 63.72 1408.02
984.06 590.20 36.59 914.74 282.32 71.18 311.94 467.10 226.04 724.87 666.37 309.28 65.78 15.63 582.69984.06 590.20 36.59 914.74 282.32 71.18 311.94 467.10 226.04 724.87 666.37 309.28 65.78 15.63 582.69
1179.23 1017.65 148.12 1499.86 594.88 110.64 384.13 588.53 509.72 692.59 1032.11 617.30 109.19 48.09 815.811179.23 1017.65 148.12 1499.86 594.88 110.64 384.13 588.53 509.72 692.59 1032.11 617.30 109.19 48.09 815.81
4.12 9.88 0.62 24.35 91.51 9.530.35
186.13 448.48 41.24 226.58 113.00 34.06 159.28 77.11 231.01 257.69 206.15 180.93 114.19 26.97 173.298.67 0.65 16.14 68.76 6.48 2.04 3.51 1.84 2.87 59.33 5.87 13.53 0.72 2.08 7.36
43.54 136.73 9.33 48.57 32.07 15.58 30.91 16.52 60.52 90.21 40.94 43.75 73.17 9.40 46.9241.86 225.83 8.37 43.83 48.22 10.57 62.40 10.57 66.79 46.77 84.72 96.34 20.78 6.17 48.2192.06 85.28 7.39 65.43 26.23 5.87 62.46 48.19 100.84 61.38 74.62 27.30 19.52 9.33 70.80
0.76 1.44 659.02 ‐2.04 5.03 0.781.82 4.89 39.27
2896.31 2388.98 327.62 3705.60 1180.18 352.24 1058.34 1283.73 1185.64 2094.74 2162.39 1374.08 414.17 125.14 1900.30
666.92 102.39 82.88 523.95 91.22 66.66 110.34 280.25 188.09 594.71 372.67 134.98 52.46 10.92 466.5321.54 3.09 0.18 30.32 7.51 2.42 6.24 10.03 1.98 16.06 15.85 20.40 1.03 2.07 23.9821.54 3.09 0.18 30.32 7.51 2.42 6.24 10.03 1.98 16.06 15.85 20.40 1.03 2.07 23.98
64.40 79.29 82.70 493.63 83.72 64.24 104.11 270.22 17.21 72.54 79.58 114.58 13.73 8.85 442.5662.01 56.89 7.35 134.17 20.80 9.47 62.70 24.72 15.72 72.54 79.58 28.42 13.40 38.0762.01 56.89 7.35 134.17 20.80 9.47 62.70 24.72 15.72 72.54 79.58 28.42 13.40 38.07
2.38 22.41 75.35 278.93 28.59 12.98 19.92 157.24 1.49 32.26 0.33 8.85 195.052.38 22.41 75.35 278.93 28.59 12.98 19.92 157.24 1.49 32.26 0.33 8.85 195.05
0.02 80.53 34.33 41.79 21.49 88.26 53.90 209.44
580.97 20.00 168.90 506.12 277.25 37.69580.97 20.00 168.90 506.12 277.25 37.69
112.88 16.50 4.25 62.50 15.00 3.20 30.00 33.37 13.82 30.00 26.60 70.1670.00 16.50 4.25 62.50 15.00 3.20 33.37 13.82 30.00 26.60 70.1642.88 30.00
128.34 15.54 64.74 0.43 20.10 2.42 3.30 68.13 241.87 0.05 31.99 1.70 3.10 0.19 7.60
128.34 15.54 64.74 0.43 20.10 2.42 3.30 68.13 241.87 0.05 31.99 1.70 3.10 0.19 7.601850.86 1896.27 143.02 2318.44 952.19 251.54 725.85 814.31 653.97 1291.41 1496.92 997.48 225.45 97.41 1158.291840.86 1896.27 143.02 2318.44 942.19 247.54 721.83 802.93 651.79 1291.41 1496.92 997.48 225.45 97.41 1158.29
10.00 10.00 3.99 4.02 9.861.52 2.18
30.42 49.01 1.59 78.30 6.10 5.54 63.40 46.53 14.87 128.62 49.12 51.91 11.89 2.07 76.8491.64 275.47 29.43 57.36 67.41 21.85 80.62 40.71 68.26 76.93 112.74 119.32 34.68 12.82 96.5541.86 225.83 6.01 46.25 48.22 10.57 62.40 10.57 66.79 46.77 84.72 101.34 20.78 6.17 62.40
5.17 19.97 0.35 1.10 3.55 0.55 0.75 0.44 1.02 1.15 2.92 5.548.34 1.39 19.13 6.59 15.58 6.88 5.70 28.26 0.26 1.95 5.57 2.29 5.66 0.97 18.10
36.27 28.29 3.93 3.42 0.05 3.85 11.77 1.44 1.22 28.21 21.43 15.69 7.09 2.76 10.521.06 3.03 1.57 0.87 1.761.20 0.45 0.01 15.61 1.04 30.68 4.76 19.25 9.36 4.44 0.71 1.26
1.44 659.95 0.08 1.36 0.43 4.9512.99 31.92 1.71 1.63 12.48 11.22 3.01 49.71 32.73 77.20 0.14 21.31
2896.31 2388.98 327.62 3705.60 1180.18 352.24 1058.34 1283.73 1185.64 2094.74 2162.39 1374.08 414.17 125.14 1900.30
20
Statement of Assets and Liabilities as on Marg end 2068
Rs. in million
Liabilities
1 CAPITAL FUND a. Paid‐up Capital
b. Calls in Advance c. General Reserves
d. Share Premiume. Retained Earningf. Others Reserves Fundg. Exchange Fluctuation Fund
2 BORROWINGS a. NRB
b. "A"Class Licensed Institutionc. Foreign Banks and Fin. Ins.d. Other Financial Ins.e. Bonds and Securities
3 DEPOSITSa. Current Domestic Foreignb. Savings Domestic Foreignc. Fixed Domestic Foreignd. Call Depositse. Others
4 Bills Payable5 Other Liabilities
1. Sundry Creditors 2. Loan Loss Provision 3. Interest Suspense a/c 4. Others
6 Reconcillation A/c7 Profit & Loss A/c
Assets1 LIQUID FUNDS
a. Cash Balance Nepalese Notes & Coins Foreign Currencyb. Bank Balance 1. In Nepal Rastra Bank Domestic Currency Foreign Currency 2. "A"Class Licensed Institution Domestic Currency Foreign Currency 3. Other Financial Ins. 4. In Foreign Banksc. Money at Call Domestic Currency Foreign Currency
2 INVESTMENT IN SECURITIESa. Govt.Securities b. NRB Bond c. Govt.Non‐Fin. Ins. d. Other Non‐Fin Ins.e Non Residents
3 SHARE & OTHER INVESTMENT a. Non Residents b. Others
4 LOANS & ADVANCES a. Private Sector b. Financial Institutions c. Government Organizations
5 BILL PURCHASED a. Domestic Bills Purchased b. Foreign Bills Purchased c. Import Bills & Imports
6 LOANS AGAINST COLLECTED BILLS a. Against Domestic Bills b. Against Foreign Bills
7 FIXED ASSETS8 OTHER ASSETS
a. Accrued Interest: b. Staff Loans / Adv. c. Sundry Debtors d. Cash In Transit e. Others
9 Expenses not Written off10 Non Banking Assets11 Reconcillation Account12 Profit & Loss A/c
TOTAL LIABILITIES
TOTAL ASSETS
Srija
na
Om
CMB
WM
BFL
CMBF
CL
Crys
tal
Roya
l
Guh
eshw
ori
Pata
n
Few
a
Ever
est
Prud
entia
l
ICFC
IME
Saga
rmat
ha
70.55 289.93 124.41 116.56 167.32 147.82 363.12 189.53 142.33 353.91 102.33 361.61 439.81 631.56 191.3328.00 246.75 150.00 181.98 935.07 70.00 299.09 135.35 110.00 300.30 74.85 293.06 329.38 359.87 137.5026.70 24.49 68.65
4.02 33.46 18.33 20.69 37.10 10.38 21.11 23.72 7.42 42.83 6.19 13.72 32.54 38.09 15.761.04 0.28 1.36 2.61 0.39 0.48 3.49 0.83 3.97 5.41
11.84 8.23 ‐74.05 ‐87.47 ‐807.47 26.15 40.98 10.16 23.94 7.29 20.45 49.58 77.17 160.98 27.820.44 29.86 16.80 1.54 20.30 0.50 5.25 0.71 4.84
90.81 113.05 302.42 176.00 4.00 147.70 30.00
34.60 101.20 175.85 116.00 135.20 30.00
56.21 11.85 126.57 60.00 4.00 12.50
99.73 2440.86 476.79 658.23 1961.13 693.11 1599.74 736.09 355.13 2105.98 282.07 787.80 2974.42 4828.31 1167.02
51.43 1144.83 218.54 291.23 443.83 324.04 702.70 149.64 150.72 850.26 151.96 346.07 1479.92 3463.78 304.0151.43 1144.83 218.54 291.23 443.83 324.04 702.70 149.64 150.72 850.26 151.96 346.07 1479.92 3463.78 304.01
41.24 1296.04 258.24 366.99 937.47 366.31 894.78 501.72 204.41 1076.12 130.11 441.38 1492.81 881.76 726.0541.24 1296.04 258.24 366.99 937.47 366.31 894.78 501.72 204.41 1076.12 130.11 441.38 1492.81 881.76 726.05
7.07 579.83 2.76 2.26 84.72 179.60 0.35 1.70 482.76 136.950.08 0.00
53.81 205.56 188.84 275.42 2340.74 170.11 187.05 100.59 75.42 199.99 44.47 307.89 191.07 352.52 108.2635.68 0.50 2.19 23.10 0.80 0.44 5.93 0.47 0.49 3.04 0.85 2.73 44.37 2.52
2.01 29.75 101.94 154.54 1638.72 36.59 38.50 35.81 24.48 47.29 12.04 98.81 52.08 105.88 24.101.35 48.30 37.94 73.36 324.16 70.76 79.01 20.03 18.60 40.42 8.51 54.78 13.22 97.07 35.61
50.45 91.84 48.46 45.33 354.76 61.96 69.10 38.81 31.86 111.80 20.88 153.44 123.05 105.19 46.040.19 189.69
4.92 2.16 11.93 0.62 25.96229.02 2938.51 790.03 1141.02 4582.42 1313.45 2325.99 1038.13 576.88 2659.89 429.49 1605.01 3661.27 5812.38 1656.30
40.01 524.00 168.40 19.22 140.34 50.53 194.54 199.06 59.37 658.22 144.98 35.71 809.20 1231.27 219.455.21 29.68 3.15 4.82 7.35 5.04 22.92 6.09 1.38 43.23 5.44 7.25 64.38 104.02 12.165.21 29.68 3.15 4.82 7.35 5.04 22.92 5.98 1.38 43.23 5.44 7.13 64.38 104.02 12.16
0.11 0.01 0.1212.49 494.32 165.25 9.86 133.00 45.10 63.58 16.71 57.99 94.81 139.53 28.47 694.82 322.17 207.29
4.32 50.24 10.01 0.11 15.55 0.34 62.10 16.35 26.56 87.62 6.67 13.65 122.20 270.06 33.064.32 50.24 10.01 0.11 15.55 0.34 62.10 16.35 26.56 87.62 6.67 13.65 122.20 270.06 33.06
7.17 345.12 7.76 0.79 34.21 43.85 1.45 0.35 28.01 6.93 106.23 7.58 200.57 52.11 73.777.17 345.12 7.76 0.79 34.21 43.85 1.45 0.35 28.01 6.93 106.23 7.58 200.57 52.11 73.77
1.00 98.97 147.48 8.96 83.24 0.91 0.03 0.01 3.43 0.26 26.63 7.23 372.05 100.46
22.31 4.54 0.40 108.04 176.25 520.17 50.00 805.0822.31 4.54 0.40 108.04 176.25 520.17 50.00 637.44
167.640.32 74.55 20.00 32.00 0.20 92.85 28.00 0.55 34.12 29.94 119.74 32.50
74.55 20.00 32.00 0.20 92.85 28.00 0.55 34.12 29.94 119.74 32.50
0.321.03 11.76 40.09 10.03 5.60 71.37 8.73 57.63 0.55 20.15 156.10 1.23 81.83
3.10 42.691.03 11.76 40.09 10.03 2.50 28.67 8.73 57.63 0.55 20.15 156.10 1.23 81.83
136.49 2186.54 469.88 890.64 3059.77 977.51 1684.63 717.24 359.65 1900.52 258.39 1120.70 2396.01 3747.29 1054.90136.49 2186.54 469.88 879.40 3044.98 663.62 1650.51 717.24 356.85 1900.52 258.39 1115.70 2396.01 3717.29 1049.65
7.50 14.79 313.89 34.12 2.50 5.00 30.00 5.253.74 0.30
3.803.80
5.12 66.96 8.39 30.15 167.10 107.19 141.07 59.92 22.10 35.88 3.39 190.39 82.02 449.39 22.5246.29 83.61 103.04 105.71 443.67 159.83 103.91 24.49 57.94 58.51 22.18 114.81 186.90 233.27 38.89
1.35 51.61 37.94 79.13 324.16 70.76 79.01 20.03 23.58 40.42 8.51 54.78 96.34 97.07 35.611.40 4.39 1.91 12.76 0.40 5.04 2.01 0.89 13.98 21.37 13.27 0.06
33.05 0.68 2.28 0.31 3.87 61.35 2.21 4.08 2.42 2.04 2.91 5.08 1.90 0.96
10.49 26.94 60.91 13.52 115.25 27.72 17.65 0.38 29.94 16.05 9.86 46.05 64.10 121.03 2.271.82 0.32 4.24 0.69 1.09 5.05
0.79 2.74 5.661.07 1.13 189.76
8.25 19.39 761.50 12.59 33.39 10.74 5.08 89.12 25.13 16.45229.02 2938.51 790.03 1141.02 4582.42 1313.45 2325.99 1038.13 576.88 2659.89 429.49 1605.01 3661.27 5812.38 1656.30
21
Statement of Assets and Liabilities as on Marg end 2068
Rs. in million
Liabilities
1 CAPITAL FUND a. Paid‐up Capital
b. Calls in Advance c. General Reserves
d. Share Premiume. Retained Earningf. Others Reserves Fundg. Exchange Fluctuation Fund
2 BORROWINGS a. NRB
b. "A"Class Licensed Institutionc. Foreign Banks and Fin. Ins.d. Other Financial Ins.e. Bonds and Securities
3 DEPOSITSa. Current Domestic Foreignb. Savings Domestic Foreignc. Fixed Domestic Foreignd. Call Depositse. Others
4 Bills Payable5 Other Liabilities
1. Sundry Creditors 2. Loan Loss Provision 3. Interest Suspense a/c 4. Others
6 Reconcillation A/c7 Profit & Loss A/c
Assets1 LIQUID FUNDS
a. Cash Balance Nepalese Notes & Coins Foreign Currencyb. Bank Balance 1. In Nepal Rastra Bank Domestic Currency Foreign Currency 2. "A"Class Licensed Institution Domestic Currency Foreign Currency 3. Other Financial Ins. 4. In Foreign Banksc. Money at Call Domestic Currency Foreign Currency
2 INVESTMENT IN SECURITIESa. Govt.Securities b. NRB Bond c. Govt.Non‐Fin. Ins. d. Other Non‐Fin Ins.e Non Residents
3 SHARE & OTHER INVESTMENT a. Non Residents b. Others
4 LOANS & ADVANCES a. Private Sector b. Financial Institutions c. Government Organizations
5 BILL PURCHASED a. Domestic Bills Purchased b. Foreign Bills Purchased c. Import Bills & Imports
6 LOANS AGAINST COLLECTED BILLS a. Against Domestic Bills b. Against Foreign Bills
7 FIXED ASSETS8 OTHER ASSETS
a. Accrued Interest: b. Staff Loans / Adv. c. Sundry Debtors d. Cash In Transit e. Others
9 Expenses not Written off10 Non Banking Assets11 Reconcillation Account12 Profit & Loss A/c
TOTAL LIABILITIES
TOTAL ASSETS
Shik
har
Civi
l
Prab
hu
Impe
rial
Kube
r
NEF
L
Valle
y
Seti
ham
a
relia
ble
Lord
Bud
dha
Swas
tik
Api
Nam
aste
Kask
i
148.33 168.01 532.54 170.93 195.01 162.15 153.03 52.07 174.65 257.28 198.55 119.36 150.97 20.37 257.38137.50 130.00 408.00 138.00 150.00 143.00 128.00 40.00 200.00 221.30 168.27 114.00 120.00 14.20 240.74
25.2310.24 9.48 40.12 9.85 2.57 8.71 5.10 1.39 0.85 26.04 10.24 4.75 5.29 1.56 13.96
0.10 0.18 3.41 0.62 0.03 6.45 0.330.49 28.04 80.95 23.07 16.59 10.28 19.93 10.68 ‐26.20 9.94 0.42 19.23 4.60 2.35
0.31 0.06 0.16 20.02 0.19
20.00 78.20 38.48
10.00 17.00 38.48
10.00 61.20
564.17 464.12 5792.41 758.37 923.55 503.83 790.32 114.26 321.98 1609.78 444.36 279.61 677.80 78.16 1044.90
185.77 181.58 4375.92 297.77 266.79 314.82 182.66 82.10 103.91 1080.89 268.32 137.43 471.77 67.70 566.07185.77 181.58 4375.92 297.77 266.79 314.82 82.10 103.91 1080.89 268.32 137.43 471.77 67.70 566.07
182.66376.97 230.95 1386.47 460.60 656.76 188.88 434.44 32.16 153.29 528.89 176.05 142.10 206.03 10.42 478.84376.97 230.95 1386.47 460.60 656.76 188.88 434.44 32.16 153.29 528.89 176.05 142.10 206.03 10.42 478.84
1.44 51.59 30.02 0.13 173.23 64.78 0.08 0.04
80.07 56.76 349.90 79.86 161.02 32.66 85.60 14.39 200.63 159.87 31.86 33.21 41.72 3.66 73.890.25 0.46 1.25 0.68 22.51 2.61 3.62 0.37 0.11 0.43 0.43 0.27 0.07 2.85
15.32 13.26 44.72 18.65 36.70 5.39 17.83 4.39 138.02 32.87 7.12 3.30 11.43 1.54 17.1522.67 20.48 67.43 35.15 69.67 5.21 33.96 2.15 50.31 46.11 10.92 6.13 9.33 0.30 20.0841.83 22.55 236.49 25.37 32.14 19.45 30.18 7.48 12.19 80.89 13.38 23.35 20.69 1.75 33.81
46.91 470.89 0.348.08 2.60 3.49 5.71 1.05 1.61 1.70
812.57 688.88 6682.94 1056.06 1828.67 701.24 1029.29 184.20 697.26 2065.41 680.48 432.18 871.55 103.80 1377.88
104.60 178.10 1420.00 256.97 77.75 232.96 117.84 31.80 106.84 523.61 147.63 129.13 297.70 29.51 313.138.65 1.13 203.65 4.75 13.31 7.78 8.62 3.71 0.32 30.91 4.79 2.93 10.41 1.89 12.748.65 1.13 203.48 4.75 13.31 7.76 8.62 3.68 0.32 30.91 4.79 2.93 10.41 1.87 12.74
0.16 0.02 0.03 0.0195.95 176.96 1216.35 252.23 64.44 225.18 109.22 28.08 8.77 36.33 142.84 126.20 17.49 2.00 300.3815.17 20.48 219.45 55.23 16.16 41.17 20.91 0.16 7.28 35.63 11.30 11.96 16.89 37.1415.17 20.48 219.43 55.23 16.16 41.17 20.91 0.16 7.28 35.63 11.30 11.96 16.89 37.14
0.0225.39 16.69 818.40 171.89 5.74 109.77 62.50 12.48 1.28 0.70 74.22 95.21 0.31 2.00 67.9425.39 16.69 818.32 171.89 5.74 109.77 62.50 12.48 1.28 0.70 74.22 95.21 0.31 2.00 67.94
0.0755.38 139.79 178.51 25.11 42.54 74.24 25.81 15.44 0.21 57.31 19.03 0.29 0.01 195.31
97.76 456.37 269.79 25.6297.76 456.37 269.79 25.62
21.97 20.00 81.79 8.00 7.48 24.98 1.50 17.05 22.06 16.00 4.00 19.9621.97 20.00 81.79 8.00 7.48 24.98 1.50 17.05 22.06 16.00 4.00 19.96
10.50 3.21 35.20 4.88 0.10 0.10 0.10 1.00 43.70 0.40 5.10
10.50 3.21 35.20 4.88 0.10 0.10 0.10 1.00 43.70 0.40 5.10636.75 443.08 3901.48 629.13 1126.07 434.17 812.10 142.49 448.43 1312.68 457.10 280.46 528.30 67.83 1006.78629.37 443.08 3901.48 616.94 1126.07 426.87 812.10 142.49 438.33 1284.68 447.34 280.46 528.30 67.83 1006.78
7.38 12.19 6.00 10.10 28.00 9.501.30 0.26
0.06 2.600.06 2.60
5.63 2.53 308.98 27.53 30.15 9.53 22.22 1.41 7.81 133.51 3.94 5.64 12.84 0.43 13.9938.79 33.30 887.99 46.36 100.81 11.84 48.93 5.67 92.89 67.60 12.12 11.11 31.28 0.92 23.8622.67 20.49 68.11 35.15 69.67 5.60 33.96 2.13 50.31 52.00 10.92 6.13 9.33 0.30 20.08
3.67 0.82 6.95 5.12 4.59 0.40 1.24 0.01 0.48 1.64 0.16 2.94 12.29 0.14 1.240.87 0.44 8.10 0.07 18.88 3.33 5.06 2.16 0.19 8.05 0.30 0.72 4.29 0.31 0.07
11.57 11.55 804.83 6.02 7.67 2.51 8.66 1.38 41.91 5.91 0.73 1.33 5.37 0.17 2.471.39 0.12 0.38 0.38 1.40 0.96 1.45 0.14
0.95 0.8579.43 46.91 464.46 0.00 0.29 1.56 0.01
3.45 1.26 5.96 25.88 2.83 24.13 1.99 0.48812.57 688.88 6682.94 1056.06 1828.67 701.24 1029.29 184.20 697.26 2065.41 680.48 432.18 871.55 103.80 1377.88
22
Statement of Assets and Liabilities as on Marg end 2068
Rs. in million
Liabilities
1 CAPITAL FUND a. Paid‐up Capital
b. Calls in Advance c. General Reserves
d. Share Premiume. Retained Earningf. Others Reserves Fundg. Exchange Fluctuation Fund
2 BORROWINGS a. NRB
b. "A"Class Licensed Institutionc. Foreign Banks and Fin. Ins.d. Other Financial Ins.e. Bonds and Securities
3 DEPOSITSa. Current Domestic Foreignb. Savings Domestic Foreignc. Fixed Domestic Foreignd. Call Depositse. Others
4 Bills Payable5 Other Liabilities
1. Sundry Creditors 2. Loan Loss Provision 3. Interest Suspense a/c 4. Others
6 Reconcillation A/c7 Profit & Loss A/c
Assets1 LIQUID FUNDS
a. Cash Balance Nepalese Notes & Coins Foreign Currencyb. Bank Balance 1. In Nepal Rastra Bank Domestic Currency Foreign Currency 2. "A"Class Licensed Institution Domestic Currency Foreign Currency 3. Other Financial Ins. 4. In Foreign Banksc. Money at Call Domestic Currency Foreign Currency
2 INVESTMENT IN SECURITIESa. Govt.Securities b. NRB Bond c. Govt.Non‐Fin. Ins. d. Other Non‐Fin Ins.e Non Residents
3 SHARE & OTHER INVESTMENT a. Non Residents b. Others
4 LOANS & ADVANCES a. Private Sector b. Financial Institutions c. Government Organizations
5 BILL PURCHASED a. Domestic Bills Purchased b. Foreign Bills Purchased c. Import Bills & Imports
6 LOANS AGAINST COLLECTED BILLS a. Against Domestic Bills b. Against Foreign Bills
7 FIXED ASSETS8 OTHER ASSETS
a. Accrued Interest: b. Staff Loans / Adv. c. Sundry Debtors d. Cash In Transit e. Others
9 Expenses not Written off10 Non Banking Assets11 Reconcillation Account12 Profit & Loss A/c
TOTAL LIABILITIES
TOTAL ASSETS
Sury
adar
sha
n
Zeni
th
Uni
que
Man
jush
ree
Subh
alax
mi
Jebi
ls
Relia
nce
Lotu
s
Baib
hav
Bhak
tapu
r
119.58 216.58 135.13 179.26 209.08 106.46 153.45 127.07 149.34 128.90100.00 205.31 100.00 140.00 200.00 102.00 140.00 120.00 147.00 125.00
2.41 10.59 7.33 7.85 8.19 1.01 5.79 1.41
17.17 0.33 27.80 31.41 0.64 3.46 7.66 5.65 2.34 3.900.34 0.25
67.70
67.70
480.46 856.45 378.44 583.48 474.98 295.70 778.67 250.36 129.91 124.16
265.99 396.71 66.98 56.02 94.55 76.36 106.86 75.28 41.64 59.60265.99 396.71 66.98 56.02 94.55 76.36 106.86 75.28 41.64 59.60
214.28 262.39 210.64 244.12 341.05 139.84 323.54 108.00 23.27 13.62214.28 262.39 210.64 244.12 341.05 139.84 323.54 108.00 23.27 13.62
50.930.19 197.35 100.81 283.34 39.38 79.50 348.27 67.08 65.00
49.10 45.43 24.04 56.90 51.71 24.57 57.53 20.48 5.48 6.311.30 2.06 0.59 0.65 1.75 0.58 4.46 0.23 0.18 0.006.29 8.88 5.53 10.34 8.10 6.48 16.38 3.04 2.62 0.57
10.46 17.50 3.06 23.58 11.43 9.28 13.49 6.7031.04 17.00 14.86 22.33 30.43 8.23 23.20 10.51 2.67 5.74
0.013.65 4.50 2.82 2.41 0.59
649.13 1118.48 608.95 819.63 735.77 426.73 994.15 400.72 287.14 259.96
170.90 326.07 114.89 121.45 190.43 77.34 325.44 111.30 179.68 126.034.79 25.89 1.30 15.05 3.08 6.50 11.38 1.22 4.04 4.574.79 25.89 1.30 15.05 3.08 6.50 11.38 1.22 4.04 4.57
166.11 300.17 113.58 106.40 187.35 70.84 314.06 110.08 175.64 121.4714.96 21.04 6.47 16.05 15.14 7.34 42.29 16.38 3.59 6.2114.96 21.04 6.47 16.05 15.14 7.34 42.29 16.38 3.59 6.21
33.97 137.67 16.70 79.87 37.68 22.92 18.27 4.04 130.75 77.0533.97 137.67 16.70 79.87 37.68 22.92 18.27 4.04 130.75 77.05
117.18 141.47 90.41 10.48 134.53 40.58 253.51 89.65 41.29 38.21
13.17 10.00 17.00 13.82 8.00 4.00 6.00 2.4913.17 10.00 17.00 13.82 8.00 4.00 6.00 2.49
3.21 2.10 0.84 6.00 40.00
3.21 2.10 0.84 6.00 40.00432.22 731.51 465.33 631.02 489.42 304.10 620.42 270.27 97.43 80.81422.61 731.51 456.53 619.15 478.92 300.10 614.72 265.36 80.81
7.88 8.80 11.87 10.50 4.00 5.70 4.91 97.431.74
9.18 7.89 2.90 20.89 15.05 9.79 10.41 5.41 8.86 6.5822.96 39.43 6.74 37.43 24.48 20.80 26.10 7.73 1.18 2.3610.48 17.50 3.06 23.58 11.43 9.54 5.06 6.70 0.21
0.65 18.79 0.42 10.73 6.75 6.22 0.77 0.101.73 1.74 0.94 1.12 0.76 2.12 0.01 0.79 0.23
10.10 1.39 2.32 2.00 6.30 4.27 18.15 0.93 0.39 1.921.56 1.78 1.68
0.020.70 0.35 8.85 2.58 4.30
649.13 1118.48 608.95 819.63 735.77 426.73 994.15 400.72 287.14 259.96
23
Profit and Loss Accountupto Marg 2068
Rs. in million
Expenses NBL
RBB
NA
BIL
NIB
L
SCBN
L
HBL
NSB
I
1 Interest Expenses 457.00 1234.62 1393.17 1643.12 480.91 1222.00 1053.66 1.1 Deposit Liabilities 457.00 1227.85 1376.57 1606.45 479.14 1220.00 1048.63 1.1.1 Saving A/c 255.00 550.93 294.80 279.71 104.72 388.00 111.80 1.1.2 Fixed A/c 197.00 645.03 741.53 892.25 248.52 832.00 861.63 1.1.2.1 Upto 3 Months Fixed A/c 0.06 111.23 16.84 0.04 193.00 220.43 1.1.2.2 3 to 6 Months fixed A/c 1.17 148.31 2.42 200.81 1.1.2.3 6 Months to 1 Year Fixed A/c 501.17 370.76 38.19 280.69 1.1.2.4 Above 1 Year 197.00 142.63 111.23 875.41 207.87 639.00 159.70 1.1.3 Call Deposit 31.89 340.24 434.49 125.90 75.21 1.1.4 Certificate of Deposits 5.00 1.2 Others 6.77 16.60 36.67 1.77 2.00 5.03 2 Commission/Fee Expense 27.35 54.82 37.12 3 Employees Expenses 568.00 563.48 202.88 133.64 114.15 214.00 125.75 4 Office Operatiing Expenses 162.00 331.37 162.60 165.54 136.97 253.00 173.52 5 Exchange Fluctuation Loss 0.01 5.1 Due to Change in Exchange Rates 0.01 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 1.86 0.15 7. Provision for Risk ‐10.00 97.01 352.31 246.28 127.95 116.00 66.94 7.1 Loan loss Provision ‐10.00 97.00 352.31 246.28 127.95 116.00 66.94
7.1.1 General Loan loss Provision 39.16 9.84 4.74 116.00 7.1.2 Special Loan Loss Provision ‐10.00 57.84 342.47 241.54 127.95 66.94 7.1.3 Additional Loan Loss Provision
7.2. Provision for Non‐Banking Assets 7.3. Provision for Loss on Investment 0.01 7.4. Provision for Loss of Other Assets 8 Loan Written Off 2.00 4.87 22.96 9 Provision for Staff Bonus 10.00 79.95 50.39 69.0910 Provision for Income Tax 22.00 239.84 151.18 207.2711 Others 0.2712 Net Profit 74.00 408.10 559.63 352.74 483.63 498.95 ‐121.87
TOTAL EXPENSES 1285.00 2668.94 3045.18 2780.00 1642.92 2303.95 1298.15
Income 1. Interest Income 1522.00 2213.62 2590.84 2452.52 1228.70 1899.00 1104.83 1.1. On Loans and Advance 1410.00 1840.99 2198.37 2308.90 865.19 1668.00 787.20 1.2. On Investment 114.00 336.23 288.84 120.55 302.47 218.00 168.61 1.2.1 Government Bonds 114.00 329.37 283.74 120.55 302.19 218.00 135.38 1.2.2 Foreign Bonds 5.10 1.2.3 NRB Bonds 0.01 33.23 1.2.4 Deventure & Bonds 6.85 0.27 1.3 Agency Balance 33.18 0.03 21.37 0.30 132.80 1.4 On Call Deposit 3.00 2.37 81.17 1.70 3.93 13.00 0.65 1.5 Others ‐5.00 0.85 22.43 56.81 15.57 2. Comission & Discount 35.00 75.37 283.38 75.48 13.93 302.95 143.35 2.1 Bills Purchase & Discount 0.36 1.71 5.11 3.72 39.00 0.05 2.2 Comission 35.00 66.76 280.84 70.87 50.14 202.00 106.53 2.3 Others 8.25 0.83 ‐0.49 ‐39.93 61.95 36.76 3 Income From Exchange Fluctuation 35.00 93.97 164.20 120.72 302.70 102.00 41.39 3.1 Due to Change in Exchange Rate 23.00 86.26 99.00 37.85 145.29 14.00 4.88 3.2 Due to Foreign Currency Trans. 12.00 7.71 65.20 82.87 157.41 88.00 36.50 4 Other Operating Income 127.20 130.87 15.97 5 Non Operating Income 7.25 5.72 0.42 0.02 0.10 6 Provision Written Back 21.00 83.30 0.04 65.72 8.49 7 Recovery from Written off Loan ‐394.00 27.86 1.01 15.89 8 Income from Extra Ordinary Expenses 66.00 40.37 9 Net Loss
TOTAL INCOME 1285.00 2668.94 3045.18 2780.00 1642.92 2303.95 1298.15
24
Profit and Loss Accountupto Marg 2068
Rs. in million
Expenses
1 Interest Expenses 1.1 Deposit Liabilities 1.1.1 Saving A/c 1.1.2 Fixed A/c 1.1.2.1 Upto 3 Months Fixed A/c 1.1.2.2 3 to 6 Months fixed A/c 1.1.2.3 6 Months to 1 Year Fixed A/c 1.1.2.4 Above 1 Year 1.1.3 Call Deposit 1.1.4 Certificate of Deposits 1.2 Others 2 Commission/Fee Expense 3 Employees Expenses 4 Office Operatiing Expenses 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 7. Provision for Risk 7.1 Loan loss Provision
7.1.1 General Loan loss Provision 7.1.2 Special Loan Loss Provision 7.1.3 Additional Loan Loss Provision
7.2. Provision for Non‐Banking Assets 7.3. Provision for Loss on Investment 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus10 Provision for Income Tax11 Others12 Net Profit
TOTAL EXPENSES
Income 1. Interest Income 1.1. On Loans and Advance 1.2. On Investment 1.2.1 Government Bonds 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 1.2.4 Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 1.5 Others 2. Comission & Discount 2.1 Bills Purchase & Discount 2.2 Comission 2.3 Others 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans. 4 Other Operating Income 5 Non Operating Income 6 Provision Written Back 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss
TOTAL INCOME
NBB
L
EBL
BOK
NCC NIC
LBL
MBL
Kum
ari
400.37 1218.17 626.30 409.01 688.77 264.96 633.87 658.88400.36 1211.31 611.74 405.81 678.20 264.90 620.43 632.62193.21 234.62 123.32 156.10 87.19 51.86 170.05 141.04123.85 697.40 357.64 162.05 441.72 188.43 285.94 338.24
197.88 16.81 0.8821.47 206.18 10.77 1.54
206.49 357.64 9.56 156.33 188.43 152.45102.38 86.85 152.50 257.81 131.06 338.24
83.30 279.30 130.78 87.65 149.29 24.61 164.44 153.34
0.01 6.86 14.57 3.21 10.57 0.06 13.43 26.256.19
68.54 141.35 99.65 50.68 60.70 28.99 69.53 81.2350.36 108.80 126.01 54.52 80.78 39.89 115.75 78.54
11.24
11.244.52 2.38 0.14 0.01
51.31 19.40 15.26 16.29 56.34 64.78 52.6537.73 19.40 15.26 16.29 56.34 64.78 52.65
9.75 19.40 15.2627.98 16.29 56.34 64.78
52.6513.58
58.1466.32 35.32 27.24 3.05 3.55
198.95 105.95 81.71 7.53 10.65
16.36 464.23 247.22 0.00 190.66 ‐72.26 24.85597.65 2219.60 1255.71 530.50 1130.00 328.51 981.12 882.55
437.52 2009.57 1096.72 388.11 1042.87 300.97 816.74 736.00368.77 1790.51 960.62 327.90 903.60 264.57 782.81 634.35
62.73 218.45 134.06 57.72 128.94 35.23 30.82 7.7956.02 140.93 133.51 49.36 82.11 35.23 29.20 7.79
8.83 4.586.71 68.69 5.13 42.25
0.55 3.23 1.610.01 0.00 0.651.70 0.61 0.21 9.73 3.124.31 1.83 2.50 0.61 0.51 93.86
67.62 88.14 90.36 19.79 33.18 8.12 17.08 60.463.76 0.45 17.65 0.81 0.25 0.01 0.23 0.87
61.58 87.69 72.71 18.98 17.78 8.11 16.17 59.592.28 15.15 0.68
29.33 70.18 66.86 15.98 30.11 7.30 29.27 28.726.42 ‐8.87 13.38 ‐2.50 3.46 7.19 28.72
22.91 79.05 66.86 2.61 32.61 3.83 22.0916.69 49.60 0.61 22.62 23.84 6.69 18.17
3.02 2.11 1.16 7.76 0.0930.82 2.08 41.7212.65 2.50 58.14
2.9474.16 57.28
597.65 2219.60 1255.71 530.50 1130.00 328.51 981.12 882.55
25
Profit and Loss Accountupto Marg 2068
Rs. in million
Expenses
1 Interest Expenses 1.1 Deposit Liabilities 1.1.1 Saving A/c 1.1.2 Fixed A/c 1.1.2.1 Upto 3 Months Fixed A/c 1.1.2.2 3 to 6 Months fixed A/c 1.1.2.3 6 Months to 1 Year Fixed A/c 1.1.2.4 Above 1 Year 1.1.3 Call Deposit 1.1.4 Certificate of Deposits 1.2 Others 2 Commission/Fee Expense 3 Employees Expenses 4 Office Operatiing Expenses 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 7. Provision for Risk 7.1 Loan loss Provision
7.1.1 General Loan loss Provision 7.1.2 Special Loan Loss Provision 7.1.3 Additional Loan Loss Provision
7.2. Provision for Non‐Banking Assets 7.3. Provision for Loss on Investment 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus10 Provision for Income Tax11 Others12 Net Profit
TOTAL EXPENSES
Income 1. Interest Income 1.1. On Loans and Advance 1.2. On Investment 1.2.1 Government Bonds 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 1.2.4 Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 1.5 Others 2. Comission & Discount 2.1 Bills Purchase & Discount 2.2 Comission 2.3 Others 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans. 4 Other Operating Income 5 Non Operating Income 6 Provision Written Back 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss
TOTAL INCOME
Laxm
i
SBL
AD
BNL
Glo
bal
Citiz
ens
Prim
e
BOA
Sunr
ise
689.76 867.68 776.53 616.46 607.16 843.32 563.42 540.44677.33 865.96 775.75 616.46 595.70 837.54 563.42 539.82145.38 105.60 210.65 268.53 95.04 58.14 69.83 157.70414.47 531.52 556.50 205.08 372.60 406.66 365.38 266.76
0.68 5.69 1.60 37.22 7.204.78 32.49 2.24 21.90 15.93 31.42
186.80 221.85 50.89 253.36 360.93 228.06222.20 271.49 501.77 205.08 60.12 29.80 365.38 0.08117.48 228.84 8.12 142.85 128.06 372.75 128.20 115.36
0.4812.44 1.72 0.78 11.46 5.78 0.63
5.00 0.29 1.0467.66 64.62 658.60 58.60 43.79 37.09 57.53 77.1366.31 115.21 101.30 135.91 78.51 64.42 69.20 100.91
1.73
1.732.60 1.35
10.21 54.54 480.37 79.46 214.14 119.22 41.9610.21 54.54 474.17 79.46 212.97 119.22 41.96
4.02 54.54 77.64 12.20 9.346.18 396.53 79.46 200.77 119.22 32.62
0.001.17
5.250.959.34
22.74 10.38 28.54 14.9762.01 31.14 71.36 44.92
2.72165.35 72.65 868.32 104.82 ‐134.63 27.85
1084.02 1216.22 3001.41 982.03 674.58 1158.97 809.37 789.33
962.08 1105.90 2349.77 882.13 548.08 722.47 602.10 727.28915.74 1028.94 2142.19 806.65 494.31 674.37 525.64 693.94
46.34 54.24 181.76 73.96 32.17 67.86 23.8244.73 181.76 73.78 32.17 67.86 0.69
54.24 23.131.61 0.19
0.13 7.9722.60 0.87 21.60
25.82 0.65 48.10 8.59 1.5682.47 67.43 41.93 53.91 30.09 20.90 35.81 35.34
3.59 0.31 5.15 0.33 0.07 0.4376.34 34.95 41.93 51.28 13.63 20.57 10.31 24.22
2.53 32.48 2.32 11.31 25.44 10.6933.88 42.89 21.84 22.78 11.98 13.50 ‐36.49 14.95
9.25 10.95 5.92 6.40 4.51 ‐48.33 2.9324.63 31.94 21.84 16.86 5.58 8.99 11.83 12.03
141.81 21.86 5.25 37.22 11.752.59 7.17 1.35 1.143.00 303.82 78.04 4.68
64.030.01 71.04
364.88 203.281084.02 1216.22 3001.41 982.03 674.58 1158.97 809.37 789.33
26
Profit and Loss Accountupto Marg 2068
Rs. in million
Expenses
1 Interest Expenses 1.1 Deposit Liabilities 1.1.1 Saving A/c 1.1.2 Fixed A/c 1.1.2.1 Upto 3 Months Fixed A/c 1.1.2.2 3 to 6 Months fixed A/c 1.1.2.3 6 Months to 1 Year Fixed A/c 1.1.2.4 Above 1 Year 1.1.3 Call Deposit 1.1.4 Certificate of Deposits 1.2 Others 2 Commission/Fee Expense 3 Employees Expenses 4 Office Operatiing Expenses 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 7. Provision for Risk 7.1 Loan loss Provision
7.1.1 General Loan loss Provision 7.1.2 Special Loan Loss Provision 7.1.3 Additional Loan Loss Provision
7.2. Provision for Non‐Banking Assets 7.3. Provision for Loss on Investment 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus10 Provision for Income Tax11 Others12 Net Profit
TOTAL EXPENSES
Income 1. Interest Income 1.1. On Loans and Advance 1.2. On Investment 1.2.1 Government Bonds 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 1.2.4 Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 1.5 Others 2. Comission & Discount 2.1 Bills Purchase & Discount 2.2 Comission 2.3 Others 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans. 4 Other Operating Income 5 Non Operating Income 6 Provision Written Back 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss
TOTAL INCOME
DCB
L
NM
B
Kist
Jana
ta
Meg
a
CTBN
L
Civi
l Ban
k
Cent
ury
NID
C
424.94 524.01 642.56 177.29 289.23 149.74 177.97 81.09 12.43418.05 520.63 638.75 176.39 286.61 149.16 173.80 80.88 12.43221.97 64.36 235.09 14.75 91.59 18.05 12.37 20.76 1.79
45.64 342.18 290.69 95.23 145.49 59.65 76.44 38.03 9.877.62 0.78 10.64 42.68 6.70 0.080.00 14.40 3.72 6.61 2.40 0.02
39.87 69.05 238.60 67.80 95.94 42.24 38.03 9.775.77 265.51 36.91 13.07 0.26 59.65 25.11
148.34 114.09 112.97 66.41 49.53 71.45 84.98 22.08 0.762.106.89 3.38 3.81 0.90 2.62 0.58 4.17 0.21
0.0935.41 40.45 96.71 31.09 44.67 24.06 32.31 13.87 14.0141.12 60.86 115.90 43.32 59.22 42.19 43.67 32.55 10.54
13.20 11.95 8.42 32.35 13.36 9.6810.34 11.95 8.42 32.35 13.36 9.68
0.36 ‐2.41 8.42 17.67 13.36 9.689.98 14.88 14.68
‐0.522.610.25
7.91 3.94 2.34 3.5623.72 11.81 7.02 8.44
‐41.70 ‐215.66 27.57 16.38 36.06533.10 596.81 651.46 303.45 451.21 229.34 263.72 127.50 85.04
377.75 533.02 602.50 270.24 423.15 134.92 160.30 96.63 46.93328.96 472.53 522.34 253.63 383.68 112.65 150.85 70.54 28.92
45.68 55.35 65.34 15.74 7.63 10.76 8.32 13.42 0.2045.68 54.70 65.34 15.74 7.63 1.13 8.32 0.20
9.63 13.420.65
0.01 0.00 0.020.07 4.98 0.88 8.81 1.13
3.11 5.08 9.83 0.00 23.00 11.51 12.67 17.8219.33 10.11 40.66 24.21 5.43 15.84 24.37 9.60
1.23 0.51 0.90 0.09 0.336.18 9.27 3.69 23.24 5.35 1.18 15.11 0.74
11.92 0.32 36.07 0.97 14.66 8.94 8.865.11 21.03 8.30 8.93 8.19 3.30 8.73 1.122.29 3.64 1.18 3.82 1.48 3.30 1.21 1.122.82 17.40 7.12 5.11 6.71 7.51
23.34 14.44 0.14 9.887.81 0.06 11.87
53.69 16.361.50
77.21 75.28 70.19 20.15533.10 596.81 651.46 303.45 451.21 229.34 263.72 127.50 85.04
27
Profit and Loss Accountupto Marg 2068
Rs. in million
Expenses
1 Interest Expenses 1.1 Deposit Liabilities 1.1.1 Saving A/c 1.1.2 Fixed A/c 1.1.2.1 Upto 3 Months Fixed A/c 1.1.2.2 3 to 6 Months fixed A/c 1.1.2.3 6 Months to 1 Year Fixed A/c 1.1.2.4 Above 1 Year 1.1.3 Call Deposit 1.1.4 Certificate of Deposits 1.2 Others 2 Commission/Fee Expense 3 Employees Expenses 4 Office Operatiing Expenses 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 7. Provision for Risk 7.1 Loan loss Provision
7.1.1 General Loan loss Provision 7.1.2 Special Loan Loss Provision 7.1.3 Additional Loan Loss Provision
7.2. Provision for Non‐Banking Assets 7.3. Provision for Loss on Investment 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus10 Provision for Income Tax11 Others12 Net Profit
TOTAL EXPENSES
Income 1. Interest Income 1.1. On Loans and Advance 1.2. On Investment 1.2.1 Government Bonds 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 1.2.4 Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 1.5 Others 2. Comission & Discount 2.1 Bills Purchase & Discount 2.2 Comission 2.3 Others 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans. 4 Other Operating Income 5 Non Operating Income 6 Provision Written Back 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss
TOTAL INCOME
Udd
hyam
Mal
ika
SDBL
UD
BL
MD
BL
Nar
ayan
i
PDBL
Saha
yogi
Pash
upat
i
9.74 32.05 169.81 1.45 99.36 32.64 69.21 37.94 22.929.74 32.05 167.62 0.46 91.87 29.71 69.15 37.94 21.901.72 26.42 66.80 0.13 11.00 16.37 34.92 28.78 5.344.42 4.24 71.65 0.32 42.06 13.34 25.22 8.15 11.48
4.33 1.02 0.73 0.061.57 0.18 0.76
3.97 1.03 14.95 9.01 4.02 21.27 1.70 9.390.46 3.21 50.80 0.32 33.05 8.30 3.02 6.46 1.273.59 1.39 29.18 38.81 9.02 1.00 5.07
2.18 0.99 7.49 2.93 0.06 1.020.91 0.06
2.30 14.21 20.38 0.55 18.34 5.33 14.81 4.49 8.213.24 11.22 26.14 0.22 25.11 4.35 11.01 6.60 10.44
0.40 41.17 0.500.45 7.37 25.22 0.51 13.07 7.11 6.71 2.43 2.080.44 7.37 23.31 0.51 13.07 7.11 6.71 2.43 2.08
2.28 0.24 0.12 0.07 0.24 0.840.44 5.09 22.87 0.51 13.07 6.99 6.65 2.19 1.24
0.200.01
1.91
7.61 7.7215.73 72.85 242.45 2.73 197.05 49.92 101.74 59.16 43.70
11.15 61.46 169.15 0.43 102.23 35.21 86.98 52.70 35.898.20 49.73 151.76 0.43 88.27 25.21 72.63 44.06 29.70
1.24 6.98 5.78 0.991.24 6.98 5.78 0.54
0.45
7.59 4.922.95 7.57 9.99 0.01 9.89 8.64
2.92 0.42 0.59 5.08 3.47 6.200.27 3.66 2.93 0.01 2.38 0.72 1.53 2.32 0.18
0.000.06 3.66 2.93 2.38 0.72 1.53 2.32 0.180.21 0.01
0.58 0.150.49 0.150.10
4.60 6.99 0.39 7.45 4.11 4.573.14 0.29 0.31 ‐0.06
0.67 3.60 43.59 0.15 0.030.35
3.64 58.90 1.93 48.71 13.46 5.48 3.1215.73 72.85 242.45 2.73 197.05 49.92 101.74 59.16 43.70
28
Profit and Loss Accountupto Marg 2068
Rs. in million
Expenses
1 Interest Expenses 1.1 Deposit Liabilities 1.1.1 Saving A/c 1.1.2 Fixed A/c 1.1.2.1 Upto 3 Months Fixed A/c 1.1.2.2 3 to 6 Months fixed A/c 1.1.2.3 6 Months to 1 Year Fixed A/c 1.1.2.4 Above 1 Year 1.1.3 Call Deposit 1.1.4 Certificate of Deposits 1.2 Others 2 Commission/Fee Expense 3 Employees Expenses 4 Office Operatiing Expenses 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 7. Provision for Risk 7.1 Loan loss Provision
7.1.1 General Loan loss Provision 7.1.2 Special Loan Loss Provision 7.1.3 Additional Loan Loss Provision
7.2. Provision for Non‐Banking Assets 7.3. Provision for Loss on Investment 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus10 Provision for Income Tax11 Others12 Net Profit
TOTAL EXPENSES
Income 1. Interest Income 1.1. On Loans and Advance 1.2. On Investment 1.2.1 Government Bonds 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 1.2.4 Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 1.5 Others 2. Comission & Discount 2.1 Bills Purchase & Discount 2.2 Comission 2.3 Others 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans. 4 Other Operating Income 5 Non Operating Income 6 Provision Written Back 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss
TOTAL INCOME
Karn
ali
Triv
eni
Ann
apur
na
Bhri
kuti
Suve
kchh
a
Bage
shw
ori
Sani
ma
Gau
rish
ank
ar
Gur
kha
20.32 69.89 66.58 86.55 42.52 37.72 295.11 43.67 139.9820.32 69.83 52.66 86.31 39.00 37.69 290.02 43.67 136.9713.07 38.51 18.68 40.71 12.37 28.88 105.22 13.92 43.24
7.25 18.99 19.10 23.13 17.86 4.65 149.26 5.33 75.230.06 1.32 2.08
2.02 0.10 0.02 3.79 0.056.49 17.36 7.00 0.27 118.78 2.10 48.75
7.25 10.49 19.10 5.62 9.52 4.38 24.62 3.23 26.4312.33 14.88 22.47 8.76 4.15 35.53 24.42 18.49
0.06 13.92 0.24 3.52 0.04 5.09 3.01
7.19 7.17 12.08 12.07 5.57 9.08 31.66 6.24 18.936.15 12.43 11.76 8.17 6.09 4.54 34.27 6.38 25.37
4.814.81
10.390.44 5.82 9.61 10.20 6.46 14.06 3.39 282.480.44 5.82 9.61 10.20 6.46 14.06 3.39 282.480.44 0.21 0.01 1.72 0.08 14.06 0.07 30.18
5.61 9.59 8.48 6.38 3.32 252.30
1.21 4.343.64 13.01
1.501.23 8.50 0.77 0.22 ‐32.14 6.58
34.10 96.54 101.52 130.35 61.41 51.56 375.51 66.25 466.75
23.10 89.50 71.42 122.43 58.38 44.49 357.72 62.93 157.6320.59 83.61 58.63 104.72 52.75 41.89 295.16 38.35 154.19
24.6824.68
2.51 5.89 12.80 15.35 5.63 2.51 29.66 24.58 3.402.36 0.09 8.21 0.04
4.58 7.04 18.99 0.61 0.43 7.07 3.43 3.33 0.170.08
1.02 0.68 1.11 0.61 0.43 2.81 3.43 0.62 0.173.56 6.36 17.80 4.26 2.70
1.77 0.270.26
1.77 0.007.31 2.58 12.59 1.20
0.013.94 0.02
6.42 7.17 307.4834.10 96.54 101.52 130.35 61.41 51.56 375.51 66.25 466.75
29
Profit and Loss Accountupto Marg 2068
Rs. in million
Expenses
1 Interest Expenses 1.1 Deposit Liabilities 1.1.1 Saving A/c 1.1.2 Fixed A/c 1.1.2.1 Upto 3 Months Fixed A/c 1.1.2.2 3 to 6 Months fixed A/c 1.1.2.3 6 Months to 1 Year Fixed A/c 1.1.2.4 Above 1 Year 1.1.3 Call Deposit 1.1.4 Certificate of Deposits 1.2 Others 2 Commission/Fee Expense 3 Employees Expenses 4 Office Operatiing Expenses 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 7. Provision for Risk 7.1 Loan loss Provision
7.1.1 General Loan loss Provision 7.1.2 Special Loan Loss Provision 7.1.3 Additional Loan Loss Provision
7.2. Provision for Non‐Banking Assets 7.3. Provision for Loss on Investment 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus10 Provision for Income Tax11 Others12 Net Profit
TOTAL EXPENSES
Income 1. Interest Income 1.1. On Loans and Advance 1.2. On Investment 1.2.1 Government Bonds 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 1.2.4 Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 1.5 Others 2. Comission & Discount 2.1 Bills Purchase & Discount 2.2 Comission 2.3 Others 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans. 4 Other Operating Income 5 Non Operating Income 6 Provision Written Back 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss
TOTAL INCOME
Gan
daki
Infr
astr
uctu
re
Busi
ness
Bira
tlaxm
i
Exce
l
WD
BL
H &
B
Ara
niko
ND
EP
67.59 69.59 69.25 73.95 39.71 18.83 287.43 14.22 174.5460.44 69.59 69.22 73.95 39.71 18.83 286.27 14.22 168.7726.21 16.51 28.20 36.01 30.45 14.66 108.79 11.14 49.3121.33 37.62 22.10 26.55 9.25 4.17 146.67 3.08 59.55
0.02 15.03 0.59 0.49 41.680.59 2.31 0.80 0.71 0.53 0.62 9.78
12.07 17.66 13.09 10.68 3.92 0.82 58.218.65 2.63 7.62 15.16 4.32 2.73 37.01 3.08 59.55
12.90 15.45 18.91 11.39 30.81 59.92
7.15 0.03 1.16 5.770.01
8.35 9.00 5.35 13.24 6.05 2.63 32.87 3.58 17.267.15 12.61 6.14 6.69 4.56 1.59 28.72 2.03 29.56
0.00 0.010.00 0.01
0.0013.27 7.56
1.83 0.92 3.15 0.40 1.96 18.77 9.64 8.041.83 0.92 3.15 0.40 1.96 18.77 9.64 8.040.29 0.10 0.02 1.96 8.041.54 0.82 3.15 0.38 18.77 9.64
1.07 3.34 2.56 0.573.20 10.01 7.67 1.71
10.95 11.34 23.37 11.34 17.89 1.80 3.9895.87 107.72 120.61 118.88 80.40 32.41 367.79 29.47 235.66
89.69 101.18 115.48 108.70 75.67 25.41 291.67 20.23 227.1673.17 84.26 99.82 92.00 59.34 25.41 271.33 20.23 209.52
0.59 1.40 2.561.40 2.56
0.5916.33 12.34
9.37 16.76 11.49 16.11 14.38 1.777.15 0.16 4.17 4.56 0.960.35 0.88 0.04 10.16 0.88 1.97 2.51 0.33 4.65
0.150.32 0.88 0.04 0.22 1.97 2.51 0.33 4.490.03 10.16 0.670.90 0.21 0.00 0.01 0.740.90 0.21 0.01 0.47
0.00 0.00 0.274.93 4.29 3.60 3.85 10.94 8.11 3.11
5.03 0.241.16 1.49 0.02 3.26 0.51
59.17 0.2895.87 107.72 120.61 118.88 80.40 32.41 367.79 29.47 235.66
30
Profit and Loss Accountupto Marg 2068
Rs. in million
Expenses
1 Interest Expenses 1.1 Deposit Liabilities 1.1.1 Saving A/c 1.1.2 Fixed A/c 1.1.2.1 Upto 3 Months Fixed A/c 1.1.2.2 3 to 6 Months fixed A/c 1.1.2.3 6 Months to 1 Year Fixed A/c 1.1.2.4 Above 1 Year 1.1.3 Call Deposit 1.1.4 Certificate of Deposits 1.2 Others 2 Commission/Fee Expense 3 Employees Expenses 4 Office Operatiing Expenses 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 7. Provision for Risk 7.1 Loan loss Provision
7.1.1 General Loan loss Provision 7.1.2 Special Loan Loss Provision 7.1.3 Additional Loan Loss Provision
7.2. Provision for Non‐Banking Assets 7.3. Provision for Loss on Investment 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus10 Provision for Income Tax11 Others12 Net Profit
TOTAL EXPENSES
Income 1. Interest Income 1.1. On Loans and Advance 1.2. On Investment 1.2.1 Government Bonds 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 1.2.4 Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 1.5 Others 2. Comission & Discount 2.1 Bills Purchase & Discount 2.2 Comission 2.3 Others 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans. 4 Other Operating Income 5 Non Operating Income 6 Provision Written Back 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss
TOTAL INCOME
CED
BL
Mite
ri
Tina
u
Risi
ng
Muk
tinat
h
Sew
a
Kank
ai
Publ
ic
Mah
akal
i
181.73 24.37 40.51 31.11 84.86 61.05 12.56 23.17 4.00156.29 22.06 40.07 30.92 73.01 61.03 12.56 23.04 4.00
43.25 18.33 9.07 18.41 42.74 31.13 7.35 8.20 3.2573.47 1.75 22.94 12.51 21.60 14.51 1.62 13.76 0.75
7.38 0.00 0.11 0.16 0.006.60 0.02 0.03 0.15 3.54 0.02 0.12 3.39
49.53 0.24 11.58 9.50 10.93 6.63 1.20 6.91 0.639.97 1.49 11.23 2.86 7.14 7.71 0.30 3.46 0.13
39.57 1.99 8.06 8.67 15.40 3.60 1.08
25.44 2.31 0.43 0.19 11.85 0.02 0.131.23
23.55 3.53 3.83 6.23 19.78 8.25 3.10 6.11 2.2823.21 3.34 5.17 6.20 14.70 7.10 3.45 5.06 1.71
4.554.55
0.5517.85 0.62 3.16 3.35 2.31 3.91 18.74 1.3117.85 0.62 3.16 3.35 2.31 3.91 18.74 1.3117.85 0.27 ‐0.39 2.24 1.06 3.91 18.74 1.31
0.35 3.55 1.11 1.25
0.42 0.281.26 0.83
4.02 4.88 32.67 2.94 1.94252.12 35.87 49.50 51.59 155.36 83.34 23.02 53.64 12.35
208.85 31.61 40.12 48.45 138.94 73.00 16.11 29.32 11.50150.77 25.40 31.41 38.81 126.62 65.22 15.64 28.55 8.91
8.75 0.040.04
8.75
36.45 3.90 8.27 5.60 12.32 7.78 0.47 0.7712.87 2.31 0.43 4.04 2.5412.67 0.73 0.22 0.57 2.60 1.68 1.31 0.62 0.86
0.022.27 0.73 0.22 0.49 1.68 0.28 0.62 0.83
10.38 0.08 2.60 1.04 0.00 0.031.33
1.333.53 3.66 2.56 13.47 8.66 0.99
2.28 0.35
27.00 5.50 5.59 22.71252.12 35.87 49.50 51.59 155.36 83.34 23.02 53.64 12.35
31
Profit and Loss Accountupto Marg 2068
Rs. in million
Expenses
1 Interest Expenses 1.1 Deposit Liabilities 1.1.1 Saving A/c 1.1.2 Fixed A/c 1.1.2.1 Upto 3 Months Fixed A/c 1.1.2.2 3 to 6 Months fixed A/c 1.1.2.3 6 Months to 1 Year Fixed A/c 1.1.2.4 Above 1 Year 1.1.3 Call Deposit 1.1.4 Certificate of Deposits 1.2 Others 2 Commission/Fee Expense 3 Employees Expenses 4 Office Operatiing Expenses 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 7. Provision for Risk 7.1 Loan loss Provision
7.1.1 General Loan loss Provision 7.1.2 Special Loan Loss Provision 7.1.3 Additional Loan Loss Provision
7.2. Provision for Non‐Banking Assets 7.3. Provision for Loss on Investment 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus10 Provision for Income Tax11 Others12 Net Profit
TOTAL EXPENSES
Income 1. Interest Income 1.1. On Loans and Advance 1.2. On Investment 1.2.1 Government Bonds 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 1.2.4 Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 1.5 Others 2. Comission & Discount 2.1 Bills Purchase & Discount 2.2 Comission 2.3 Others 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans. 4 Other Operating Income 5 Non Operating Income 6 Provision Written Back 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss
TOTAL INCOME
Ace
Bhar
gav
Shan
grila
Resu
nga
Rara
diya
lo
Coun
try
Alp
ine
Nilg
iri
204.10 7.49 76.71 26.90 12.74 20.08 59.93 17.74 9.73201.70 7.49 76.71 26.90 12.74 19.44 59.38 17.74 9.73
97.79 5.07 39.70 24.19 10.35 2.22 6.49 11.07 3.8390.73 2.42 29.94 2.71 2.39 5.46 25.02 5.14 4.00
1.17 0.13 0.09 0.02 0.38 2.19 0.03 0.060.01 0.58 0.51 0.07 0.03 0.49 0.08 0.40
75.44 1.19 21.78 0.36 1.24 3.94 20.91 3.02 1.9214.11 0.52 7.56 2.35 1.07 1.11 1.44 2.01 1.6313.18 7.08 11.75 27.87 1.53 1.90
2.40 0.64 0.550.18
21.86 2.29 10.37 3.82 2.03 2.53 3.53 3.69 1.7929.05 2.07 10.87 2.80 2.43 3.33 5.72 4.05 7.16
10.93 0.52 10.40 0.79 0.22 0.00 6.68 0.87 0.7110.93 0.52 10.40 0.79 0.22 0.00 6.18 0.87 0.71
2.53 0.52 1.52 0.79 ‐0.02 0.00 1.58 0.08 0.338.40 8.88 0.24 4.60 0.79 0.39
0.50
0.51 0.41 0.211.53 1.24 0.62
1.21‐49.99 3.56 6.15 3.33 1.34 2.89 4.70 1.29215.96 12.36 113.94 40.47 20.74 27.28 81.78 31.88 20.69
198.92 7.25 105.60 36.31 19.46 25.59 77.43 28.03 18.44173.19 7.25 97.00 26.97 14.17 20.81 61.57 25.90 15.77
2.39 0.29 0.072.39 0.29 0.07
17.92 8.60 9.34 5.29 15.40 2.13 2.675.42 4.48 0.390.50 2.35 8.34 4.16 1.29 0.03 0.48 3.43 0.53
0.50 0.89 1.34 1.75 1.22 0.03 0.26 0.591.46 7.00 2.41 0.07 0.22 2.85 0.53
0.89 0.01 0.080.16 0.010.73 0.08
12.98 1.13 3.55 1.642.67
0.53 0.31 0.41
0.012.76
215.96 12.36 113.94 40.47 20.74 27.28 81.78 31.88 20.69
32
Profit and Loss Accountupto Marg 2068
Rs. in million
Expenses
1 Interest Expenses 1.1 Deposit Liabilities 1.1.1 Saving A/c 1.1.2 Fixed A/c 1.1.2.1 Upto 3 Months Fixed A/c 1.1.2.2 3 to 6 Months fixed A/c 1.1.2.3 6 Months to 1 Year Fixed A/c 1.1.2.4 Above 1 Year 1.1.3 Call Deposit 1.1.4 Certificate of Deposits 1.2 Others 2 Commission/Fee Expense 3 Employees Expenses 4 Office Operatiing Expenses 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 7. Provision for Risk 7.1 Loan loss Provision
7.1.1 General Loan loss Provision 7.1.2 Special Loan Loss Provision 7.1.3 Additional Loan Loss Provision
7.2. Provision for Non‐Banking Assets 7.3. Provision for Loss on Investment 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus10 Provision for Income Tax11 Others12 Net Profit
TOTAL EXPENSES
Income 1. Interest Income 1.1. On Loans and Advance 1.2. On Investment 1.2.1 Government Bonds 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 1.2.4 Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 1.5 Others 2. Comission & Discount 2.1 Bills Purchase & Discount 2.2 Comission 2.3 Others 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans. 4 Other Operating Income 5 Non Operating Income 6 Provision Written Back 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss
TOTAL INCOME
Kast
ham
anda
p
Gar
ima
City
Bish
ow
Prof
essi
ona
l
Kabe
li
Kam
ana
Corp
orat
e
Path
ibha
ra
147.06 63.13 78.13 79.97 4.17 6.93 52.01 47.31 28.48145.00 63.13 78.11 79.69 4.17 6.93 42.13 47.31 28.48
61.17 34.03 37.62 21.21 3.03 4.90 22.62 19.29 15.3048.48 20.48 27.24 39.74 0.61 1.66 15.89 28.00 4.06
3.19 2.05 1.96 0.01 0.282.37 2.65 1.55 1.49 0.09 0.17 0.81 0.07
36.03 11.75 16.40 25.33 0.31 0.71 6.15 25.21 2.246.89 6.09 7.25 10.95 0.21 0.77 8.66 2.79 1.75
35.34 8.61 13.25 18.75 0.53 0.37 3.61 0.02 9.12
2.07 0.02 0.28 9.880.02
16.95 9.25 6.52 7.98 2.30 2.38 5.61 3.41 5.8222.87 8.79 9.51 6.70 1.92 1.19 5.85 3.52 6.04
1.73 1.02 7.20 0.10 0.18 0.87 1.93 2.111.73 1.02 7.20 0.10 0.08 0.87 1.93 2.11‐4.60 1.02 2.09 0.10 0.08 0.79 0.47 1.616.33 5.11 0.09 1.45 0.51
0.10
1.47 1.08 1.11 0.47 0.00 1.08 0.184.41 3.25 3.32 1.40 0.01 3.25 0.55
10.29 7.58 7.74 3.27 0.03 7.58 1.27188.64 98.36 113.28 106.93 13.70 10.54 76.27 56.16 44.46
146.62 86.92 106.05 98.94 12.82 9.49 71.99 46.02 41.26121.69 75.83 92.39 88.28 9.43 7.81 63.38 40.21 35.38
3.91 0.073.91 0.07
11.08 10.70 10.54 3.38 1.68 8.61 5.8821.01 2.89 0.13 0.01 5.80
2.05 1.01 7.22 7.98 0.02 0.53 0.90 0.39 0.600.12
2.00 1.01 7.22 0.54 0.02 0.53 0.90 0.15 0.600.05 7.44 0.120.65 0.010.50 0.000.15 0.013.35 10.44 0.87 0.52 3.38 4.53 2.60
35.97 5.22188.64 98.36 113.28 106.93 13.70 10.54 76.27 56.16 44.46
33
Profit and Loss Accountupto Marg 2068
Rs. in million
Expenses
1 Interest Expenses 1.1 Deposit Liabilities 1.1.1 Saving A/c 1.1.2 Fixed A/c 1.1.2.1 Upto 3 Months Fixed A/c 1.1.2.2 3 to 6 Months fixed A/c 1.1.2.3 6 Months to 1 Year Fixed A/c 1.1.2.4 Above 1 Year 1.1.3 Call Deposit 1.1.4 Certificate of Deposits 1.2 Others 2 Commission/Fee Expense 3 Employees Expenses 4 Office Operatiing Expenses 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 7. Provision for Risk 7.1 Loan loss Provision
7.1.1 General Loan loss Provision 7.1.2 Special Loan Loss Provision 7.1.3 Additional Loan Loss Provision
7.2. Provision for Non‐Banking Assets 7.3. Provision for Loss on Investment 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus10 Provision for Income Tax11 Others12 Net Profit
TOTAL EXPENSES
Income 1. Interest Income 1.1. On Loans and Advance 1.2. On Investment 1.2.1 Government Bonds 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 1.2.4 Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 1.5 Others 2. Comission & Discount 2.1 Bills Purchase & Discount 2.2 Comission 2.3 Others 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans. 4 Other Operating Income 5 Non Operating Income 6 Provision Written Back 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss
TOTAL INCOME
Purn
ima
Jyot
i
Bagm
ati
Ham
ro
Kakr
e
Shin
e
Paci
fic
Civi
c
IDBL
25.68 114.04 3.85 7.76 3.54 58.86 12.39 3.15 166.5425.68 113.94 3.85 7.76 3.54 58.86 12.39 3.15 162.2712.62 41.27 3.15 3.71 2.75 27.75 6.32 2.69 47.75
8.42 50.68 0.70 2.41 0.79 19.09 2.00 0.46 61.880.00 0.03 1.49
0.02 0.02 0.00 0.17 0.12 2.827.18 0.10 0.33 1.90 0.48 15.50 1.01 0.25 48.331.24 50.57 0.37 0.46 0.31 3.42 0.88 0.21 9.254.64 21.99 0.00 1.64 12.01 4.07 52.64
0.10 4.27
3.87 15.78 1.40 1.93 1.07 5.58 1.81 1.44 20.163.89 24.33 0.80 2.18 1.89 4.85 1.85 1.90 28.53
0.93 1.14 0.18 0.16 2.05 1.17 0.35 3.050.93 1.12 0.18 0.16 2.05 1.17 0.35 3.050.46 0.86 0.11 0.16 2.05 0.21 0.070.47 0.25 0.07 0.96 0.28 3.05
0.02
2.42 0.27 1.697.25 0.80 5.06
16.91 0.89 2.61 3.61 1.87 2.21 ‐41.0134.37 181.86 7.13 14.65 10.11 74.28 19.43 6.84 184.01
29.99 170.09 6.46 13.47 9.00 66.58 16.28 4.67 159.4624.06 145.53 5.59 12.03 8.20 51.50 16.28 3.83 145.60
2.18 0.222.18 0.22
5.93 19.55 0.87 1.43 14.86 0.84 12.622.82 0.81 1.24
0.52 7.35 0.08 0.45 0.16 7.70 0.39 2.531.15
0.52 7.35 0.08 0.07 0.13 1.30 0.39 1.380.38 0.03 6.39
0.01 0.030.010.00 0.03
2.74 3.17 0.59 0.73 1.37 0.84 5.360.95 1.39
0.44 1.25 16.62
0.69 1.3334.37 181.86 7.13 14.65 10.11 74.28 19.43 6.84 184.01
34
Profit and Loss Accountupto Marg 2068
Rs. in million
Expenses
1 Interest Expenses 1.1 Deposit Liabilities 1.1.1 Saving A/c 1.1.2 Fixed A/c 1.1.2.1 Upto 3 Months Fixed A/c 1.1.2.2 3 to 6 Months fixed A/c 1.1.2.3 6 Months to 1 Year Fixed A/c 1.1.2.4 Above 1 Year 1.1.3 Call Deposit 1.1.4 Certificate of Deposits 1.2 Others 2 Commission/Fee Expense 3 Employees Expenses 4 Office Operatiing Expenses 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 7. Provision for Risk 7.1 Loan loss Provision
7.1.1 General Loan loss Provision 7.1.2 Special Loan Loss Provision 7.1.3 Additional Loan Loss Provision
7.2. Provision for Non‐Banking Assets 7.3. Provision for Loss on Investment 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus10 Provision for Income Tax11 Others12 Net Profit
TOTAL EXPENSES
Income 1. Interest Income 1.1. On Loans and Advance 1.2. On Investment 1.2.1 Government Bonds 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 1.2.4 Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 1.5 Others 2. Comission & Discount 2.1 Bills Purchase & Discount 2.2 Comission 2.3 Others 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans. 4 Other Operating Income 5 Non Operating Income 6 Provision Written Back 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss
TOTAL INCOME
Gul
mi
Kanc
han
Mat
ribh
umi
Brig
ht
Inno
vativ
e
Jhim
ruk
Met
ro
Vibo
r
Gau
muk
hi
8.54 17.35 5.92 14.88 19.12 5.04 24.52 146.74 2.638.54 17.35 5.92 14.81 18.60 5.04 24.52 123.99 2.637.67 14.92 2.70 3.37 6.32 2.87 9.61 24.62 2.540.88 2.43 1.74 2.99 5.37 0.87 8.94 70.14 0.09
0.19 0.04 0.00 0.00 0.01 0.06 0.980.28 0.04 0.00 0.00 0.02 0.49 0.01
0.41 1.16 0.70 1.52 4.30 0.20 5.95 10.33 0.020.47 0.81 0.95 1.46 1.07 0.64 2.44 58.82 0.07
1.48 8.45 6.91 1.30 5.97 29.22
0.07 0.52 22.750.09 0.03
1.44 3.41 1.68 2.31 2.93 1.30 2.07 16.68 1.091.41 2.31 0.99 2.34 5.32 2.07 3.99 24.36 0.54
0.020.14 0.12 0.18 0.44 0.24 0.27 0.68 135.25 0.260.14 0.12 0.18 0.44 0.24 0.27 0.68 16.09 0.260.14 0.12 0.18 0.44 0.24 0.27 0.68 0.02 0.16
16.07 0.09
119.17
0.03 0.040.08 0.12
0.61 1.67 0.20 0.29 0.3012.14 24.87 8.77 20.29 27.63 8.77 31.72 323.03 4.86
11.21 22.09 7.11 18.72 23.22 6.92 29.36 111.65 3.427.36 16.12 5.87 17.25 19.10 6.47 24.27 74.86 3.29
3.813.06
0.75
3.85 2.07 1.24 1.35 3.97 0.44 5.09 1.55 0.133.90 0.13 0.16 31.42
0.07 2.77 0.95 0.47 1.04 0.01 1.43
2.35 0.29 0.23 0.96 0.01 1.100.07 0.42 0.66 0.24 0.09 0.33
0.86 1.56 1.84 2.37 5.42 0.010.38
0.18 60.76
0.71 2.10 0.63 144.8112.14 24.87 8.77 20.29 27.63 8.77 31.72 323.03 4.86
35
Profit and Loss Accountupto Marg 2068
Rs. in million
Expenses
1 Interest Expenses 1.1 Deposit Liabilities 1.1.1 Saving A/c 1.1.2 Fixed A/c 1.1.2.1 Upto 3 Months Fixed A/c 1.1.2.2 3 to 6 Months fixed A/c 1.1.2.3 6 Months to 1 Year Fixed A/c 1.1.2.4 Above 1 Year 1.1.3 Call Deposit 1.1.4 Certificate of Deposits 1.2 Others 2 Commission/Fee Expense 3 Employees Expenses 4 Office Operatiing Expenses 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 7. Provision for Risk 7.1 Loan loss Provision
7.1.1 General Loan loss Provision 7.1.2 Special Loan Loss Provision 7.1.3 Additional Loan Loss Provision
7.2. Provision for Non‐Banking Assets 7.3. Provision for Loss on Investment 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus10 Provision for Income Tax11 Others12 Net Profit
TOTAL EXPENSES
Income 1. Interest Income 1.1. On Loans and Advance 1.2. On Investment 1.2.1 Government Bonds 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 1.2.4 Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 1.5 Others 2. Comission & Discount 2.1 Bills Purchase & Discount 2.2 Comission 2.3 Others 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans. 4 Other Operating Income 5 Non Operating Income 6 Provision Written Back 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss
TOTAL INCOME
Rapt
iver
i
Cons
umer
Khad
bari
Tour
ism
Mis
sion
Sury
a
Mt.
Mak
alu
Sind
hu
Saha
ra
5.77 17.41 1.68 53.16 18.92 2.05 0.09 15.75 2.715.77 16.37 1.68 52.81 18.85 2.05 0.09 15.60 2.713.83 5.24 1.33 13.40 8.23 0.74 12.23 1.441.94 7.58 0.32 22.43 4.24 0.93 0.09 3.37 0.09
0.01 2.50 0.090.02 2.08 0.13 0.00 0.040.93 2.55 0.07 17.23 3.53 0.51 0.04 2.741.00 5.03 0.24 0.62 0.49 0.42 0.04 0.59 0.09
3.55 0.03 16.98 6.38 0.38 1.17
1.04 0.35 0.07 0.15
2.14 3.06 1.06 9.14 4.12 1.32 0.42 3.64 0.841.39 3.35 0.61 11.92 3.67 0.60 0.39 3.27 1.04
0.042.03 0.11 6.25 0.61 0.06 0.08 0.97 0.412.03 0.11 6.25 0.61 0.06 0.08 0.97 0.410.46 0.11 0.90 0.61 0.06 0.08 0.97 0.221.57 5.36 0.19
0.11 0.150.34 0.44
0.80 1.02 1.36 0.1411.33 25.07 3.46 82.07 27.33 4.03 2.38 23.63 5.14
9.42 24.11 2.33 65.54 22.72 3.07 2.19 18.78 3.268.71 21.02 2.33 50.82 19.44 2.87 2.14 14.58 2.47
0.82
0.82
0.71 3.10 12.44 3.28 0.20 0.05 3.91 0.791.46 0.29
1.42 0.05 0.50 2.43 0.20 0.69 0.18 0.250.06
1.42 0.05 0.46 2.37 0.20 0.69 0.18 0.250.04
5.941.154.79
0.81 5.06 2.47 0.01 2.52 1.230.01
0.09
0.49 0.62 3.10 1.94 0.27 2.08 0.6611.33 25.07 3.46 82.07 27.33 4.03 2.38 23.63 5.14
36
Profit and Loss Accountupto Marg 2068
Rs. in million
Expenses
1 Interest Expenses 1.1 Deposit Liabilities 1.1.1 Saving A/c 1.1.2 Fixed A/c 1.1.2.1 Upto 3 Months Fixed A/c 1.1.2.2 3 to 6 Months fixed A/c 1.1.2.3 6 Months to 1 Year Fixed A/c 1.1.2.4 Above 1 Year 1.1.3 Call Deposit 1.1.4 Certificate of Deposits 1.2 Others 2 Commission/Fee Expense 3 Employees Expenses 4 Office Operatiing Expenses 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 7. Provision for Risk 7.1 Loan loss Provision
7.1.1 General Loan loss Provision 7.1.2 Special Loan Loss Provision 7.1.3 Additional Loan Loss Provision
7.2. Provision for Non‐Banking Assets 7.3. Provision for Loss on Investment 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus10 Provision for Income Tax11 Others12 Net Profit
TOTAL EXPENSES
Income 1. Interest Income 1.1. On Loans and Advance 1.2. On Investment 1.2.1 Government Bonds 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 1.2.4 Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 1.5 Others 2. Comission & Discount 2.1 Bills Purchase & Discount 2.2 Comission 2.3 Others 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans. 4 Other Operating Income 5 Non Operating Income 6 Provision Written Back 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss
TOTAL INCOME
Soci
al
NCD
BL
Cosm
os
Man
aslu
Sam
abri
ddhi
Ekat
a
Kalin
chow
k
NH
DFC
L
Nep
al
Fina
nce
23.04 11.98 2.75 4.92 2.25 0.32 0.06 24.90 32.5322.64 11.98 2.75 4.92 2.25 0.32 0.06 24.90 31.54
1.75 2.55 2.60 2.93 1.96 0.28 0.04 3.70 4.566.43 2.90 0.15 0.39 0.29 0.03 0.00 21.20 26.99
0.04 0.04 0.00 0.640.02 0.00 0.01 0.00 0.21
5.83 2.50 0.06 0.11 0.19 0.03 11.00 21.100.60 0.34 0.09 0.28 0.06 0.00 0.00 10.20 5.02
14.46 6.53 1.61 0.01 0.02
0.40 0.990.00
6.35 2.53 1.20 2.55 1.84 0.72 0.92 4.00 3.104.45 3.38 2.12 2.66 1.91 0.57 0.30 2.90 4.33
3.74 0.11 0.180.41 0.15 0.31 0.89 0.00 8.400.41 0.15 0.31 0.89 0.00 8.400.41 0.02 0.31 0.89 0.00 ‐0.20
0.13 8.60
0.0637.58 18.29 6.22 10.45 6.96 1.72 1.46 40.20 39.96
21.78 13.28 3.31 7.82 6.33 1.06 34.10 22.2115.09 10.62 2.86 6.58 5.39 0.07 24.20 19.31
0.34 0.48
0.34 0.420.05
4.21 2.67 0.45 1.24 0.98 2.422.14 0.94 9.900.15 0.09 0.37 0.12 0.02
0.15 0.05 0.07 0.02 0.020.04 0.29 0.11
0.97 0.92 1.07 0.51 0.58 0.01 0.70 0.920.12 0.01 0.260.52 1.44
14.03 3.99 2.55 1.56 0.08 1.45 5.40 15.1137.58 18.29 6.22 10.45 6.96 1.72 1.46 40.20 39.96
37
Profit and Loss Accountupto Marg 2068
Rs. in million
Expenses
1 Interest Expenses 1.1 Deposit Liabilities 1.1.1 Saving A/c 1.1.2 Fixed A/c 1.1.2.1 Upto 3 Months Fixed A/c 1.1.2.2 3 to 6 Months fixed A/c 1.1.2.3 6 Months to 1 Year Fixed A/c 1.1.2.4 Above 1 Year 1.1.3 Call Deposit 1.1.4 Certificate of Deposits 1.2 Others 2 Commission/Fee Expense 3 Employees Expenses 4 Office Operatiing Expenses 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 7. Provision for Risk 7.1 Loan loss Provision
7.1.1 General Loan loss Provision 7.1.2 Special Loan Loss Provision 7.1.3 Additional Loan Loss Provision
7.2. Provision for Non‐Banking Assets 7.3. Provision for Loss on Investment 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus10 Provision for Income Tax11 Others12 Net Profit
TOTAL EXPENSES
Income 1. Interest Income 1.1. On Loans and Advance 1.2. On Investment 1.2.1 Government Bonds 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 1.2.4 Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 1.5 Others 2. Comission & Discount 2.1 Bills Purchase & Discount 2.2 Comission 2.3 Others 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans. 4 Other Operating Income 5 Non Operating Income 6 Provision Written Back 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss
TOTAL INCOME
NID
C Ca
pita
l
Nar
ayan
i N
atio
nal
AFC
L
NSM
FL
Peop
les
Mer
chan
tile
Kath
man
du
Him
alay
a
Uni
on
68.86 114.40 165.74 150.68 28.37 1.11 20.68 30.40 52.1967.20 114.40 164.77 122.42 28.37 1.11 20.68 24.35 51.0516.20 23.16 49.21 47.31 6.74 0.00 3.58 0.87 6.6443.44 91.24 92.07 66.08 21.63 1.11 17.11 23.48 42.47
4.40 0.20 0.21 0.03 2.87 1.53 1.174.87 0.93 1.50 0.82 0.10 0.61 0.22 1.75 0.01
16.16 50.78 52.48 34.61 13.85 0.08 8.69 5.37 28.2018.01 39.33 37.88 30.60 4.82 0.41 6.67 16.37 13.10
7.56 23.49 9.03 1.94
1.67 0.98 28.27 6.05 1.140.27
5.15 9.76 19.57 13.09 3.08 0.38 2.71 4.31 6.016.22 10.27 18.85 12.12 3.00 0.24 3.17 2.26 6.07
1.84 14.27 0.171.22 17.90 15.80 232.13 6.12 0.33 6.161.21 17.90 15.80 232.13 6.12 0.33 6.16
17.90 12.60 0.333.20 232.13 6.16
1.21 6.12
0.01
1.56 3.684.68 10.38
0.7910.92 26.45 4.10
83.29 169.49 260.46 423.08 34.45 5.84 32.68 37.58 70.61
64.13 159.50 241.50 71.25 14.24 4.86 30.26 29.91 46.7835.69 148.01 204.35 69.98 11.36 4.66 26.25 29.86 44.83
1.59 1.78 4.01 0.14 0.09 0.061.59 1.78 4.01 0.06
0.14 0.09
24.62 9.71 21.10 1.27 1.74 0.06 3.84 0.952.23 12.04 1.14 0.08 0.05 0.940.67 0.61 0.74 0.14 0.15 0.04 0.06 0.03
0.67 0.61 0.74 0.15 0.04 0.06 0.030.14
3.40 6.02 9.41 0.36 0.01 1.11 1.11 3.934.05 1.07 4.91 0.207.96 2.30 8.81 8.71 0.81 0.07 1.04
0.06 0.40
3.08 337.70 20.21 0.94 6.49 18.4283.29 169.49 260.46 423.08 34.45 5.84 32.68 37.58 70.61
38
Profit and Loss Accountupto Marg 2068
Rs. in million
Expenses
1 Interest Expenses 1.1 Deposit Liabilities 1.1.1 Saving A/c 1.1.2 Fixed A/c 1.1.2.1 Upto 3 Months Fixed A/c 1.1.2.2 3 to 6 Months fixed A/c 1.1.2.3 6 Months to 1 Year Fixed A/c 1.1.2.4 Above 1 Year 1.1.3 Call Deposit 1.1.4 Certificate of Deposits 1.2 Others 2 Commission/Fee Expense 3 Employees Expenses 4 Office Operatiing Expenses 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 7. Provision for Risk 7.1 Loan loss Provision
7.1.1 General Loan loss Provision 7.1.2 Special Loan Loss Provision 7.1.3 Additional Loan Loss Provision
7.2. Provision for Non‐Banking Assets 7.3. Provision for Loss on Investment 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus10 Provision for Income Tax11 Others12 Net Profit
TOTAL EXPENSES
Income 1. Interest Income 1.1. On Loans and Advance 1.2. On Investment 1.2.1 Government Bonds 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 1.2.4 Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 1.5 Others 2. Comission & Discount 2.1 Bills Purchase & Discount 2.2 Comission 2.3 Others 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans. 4 Other Operating Income 5 Non Operating Income 6 Provision Written Back 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss
TOTAL INCOME
Gor
kha
Pasc
him
anc
hal
NH
MFL
Uni
vers
al
Sam
jhan
a
Goo
dwill
Sidd
hart
ha
FC Sri
Inve
stm
ent
Lum
bini
15.53 66.43 77.70 57.91 64.72 33.50 54.63 62.3215.53 66.43 77.70 57.91 50.85 31.25 54.63 62.32
1.58 20.57 12.72 13.65 11.80 9.16 10.06 7.5413.95 45.87 64.97 42.95 39.04 22.09 44.57 54.77
0.04 4.32 1.05 1.13 0.08 0.370.01 0.24 0.49 0.46 0.54 0.25 2.39
10.84 16.45 19.94 18.18 11.22 34.49 31.983.09 29.14 40.23 23.26 26.16 22.09 9.73 20.03
1.32
13.88 2.25
2.16 8.21 5.75 3.49 7.39 5.10 4.36 5.101.92 4.36 3.80 2.69 12.75 3.01 4.57 3.52
5.89 1.31 0.08 7.20 0.265.89 1.31 0.08 6.49 0.26
0.08 0.415.89 1.31 ‐0.15
6.490.72
0.03 0.38 0.47 1.091.14 1.27 3.27
‐10.15 0.90 6.47 3.39 10.58 7.6219.61 74.77 89.46 72.08 90.06 59.39 63.82 82.91
14.50 67.87 74.38 69.87 82.09 53.86 52.10 79.4013.30 61.50 70.74 62.65 78.76 45.95 48.65 78.69
0.10 0.11 1.52 1.47 3.33 0.900.10 0.11 1.52 1.47 3.33 0.90
2.551.09 6.26 2.11 4.53 0.71
5.75 3.381.31 6.68 0.05 0.04 7.97 5.13 0.22
0.000.01 0.11 0.05 0.04 0.20 0.191.30 6.57 7.97 4.93 0.03
0.06 1.00 0.01 4.09 3.290.00 0.00 0.24 0.060.99 0.16 13.79 2.17 0.340.85
1.96 7.6319.61 74.77 89.46 72.08 90.06 59.39 63.82 82.91
39
Profit and Loss Accountupto Marg 2068
Rs. in million
Expenses
1 Interest Expenses 1.1 Deposit Liabilities 1.1.1 Saving A/c 1.1.2 Fixed A/c 1.1.2.1 Upto 3 Months Fixed A/c 1.1.2.2 3 to 6 Months fixed A/c 1.1.2.3 6 Months to 1 Year Fixed A/c 1.1.2.4 Above 1 Year 1.1.3 Call Deposit 1.1.4 Certificate of Deposits 1.2 Others 2 Commission/Fee Expense 3 Employees Expenses 4 Office Operatiing Expenses 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 7. Provision for Risk 7.1 Loan loss Provision
7.1.1 General Loan loss Provision 7.1.2 Special Loan Loss Provision 7.1.3 Additional Loan Loss Provision
7.2. Provision for Non‐Banking Assets 7.3. Provision for Loss on Investment 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus10 Provision for Income Tax11 Others12 Net Profit
TOTAL EXPENSES
Income 1. Interest Income 1.1. On Loans and Advance 1.2. On Investment 1.2.1 Government Bonds 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 1.2.4 Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 1.5 Others 2. Comission & Discount 2.1 Bills Purchase & Discount 2.2 Comission 2.3 Others 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans. 4 Other Operating Income 5 Non Operating Income 6 Provision Written Back 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss
TOTAL INCOME
Inve
sta
Yeti
Stan
dard
ILFC
O
Mah
alax
mi
Lalit
pur
Bhaj
urat
na
Uni
ted
Gen
eral
0.13 58.22 131.85 69.11 105.95 97.05 5.60 182.93 49.750.13 58.22 128.38 69.11 104.77 87.15 5.60 127.25 48.55
26.44 38.65 9.33 37.04 27.42 0.77 35.53 12.000.13 31.78 78.05 58.18 67.64 59.72 4.83 91.72 36.55
0.22 5.94 3.39 1.50 3.510.11 4.31 0.26 1.00 0.21
10.56 61.95 23.78 8.94 34.14 2.350.13 20.89 5.85 34.41 55.05 23.08 2.48 91.72 32.83
11.68 1.590.09
3.46 1.19 9.91 55.68 1.20
0.45 4.64 14.89 15.43 8.87 4.17 1.76 16.46 4.250.81 3.70 17.31 17.69 7.40 4.14 2.51 13.20 4.32
6.401.19 4.75 16.42 13.30 4.06 12.841.19 4.75 16.42 13.30 4.06 12.84
16.42 4.59 4.06 ‐1.291.19 4.75 8.71 14.13
0.021.574.72
0.53 0.002.59 25.643.98 67.75 175.73 150.58 135.52 105.36 13.94 225.45 58.31
2.08 60.50 142.47 146.95 115.91 68.81 11.14 217.80 36.402.08 54.72 124.45 122.63 93.49 68.81 8.34 154.80 34.58
0.70 1.31 4.48 0.93 0.11 2.190.70 4.48 0.11 2.19
1.31 0.93
5.08 9.30 10.27 5.09 1.717.42 19.84 11.22 2.68 55.72 0.10
0.50 0.53 0.05 1.35 0.16 0.02 1.01 1.51
0.50 0.53 0.20 0.16 0.02 1.01 1.510.05 1.14
1.89 1.82 1.34 3.58 3.66 1.52 0.10 5.010.73 0.18 0.180.34 10.75 1.43 2.95 0.97 7.920.20
3.66 20.45 12.99 31.92 1.72 1.63 12.483.98 67.75 175.73 150.58 135.52 105.36 13.94 225.45 58.31
40
Profit and Loss Accountupto Marg 2068
Rs. in million
Expenses
1 Interest Expenses 1.1 Deposit Liabilities 1.1.1 Saving A/c 1.1.2 Fixed A/c 1.1.2.1 Upto 3 Months Fixed A/c 1.1.2.2 3 to 6 Months fixed A/c 1.1.2.3 6 Months to 1 Year Fixed A/c 1.1.2.4 Above 1 Year 1.1.3 Call Deposit 1.1.4 Certificate of Deposits 1.2 Others 2 Commission/Fee Expense 3 Employees Expenses 4 Office Operatiing Expenses 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 7. Provision for Risk 7.1 Loan loss Provision
7.1.1 General Loan loss Provision 7.1.2 Special Loan Loss Provision 7.1.3 Additional Loan Loss Provision
7.2. Provision for Non‐Banking Assets 7.3. Provision for Loss on Investment 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus10 Provision for Income Tax11 Others12 Net Profit
TOTAL EXPENSES
Income 1. Interest Income 1.1. On Loans and Advance 1.2. On Investment 1.2.1 Government Bonds 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 1.2.4 Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 1.5 Others 2. Comission & Discount 2.1 Bills Purchase & Discount 2.2 Comission 2.3 Others 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans. 4 Other Operating Income 5 Non Operating Income 6 Provision Written Back 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss
TOTAL INCOME
Prog
ress
ive
Alp
ic
Ever
est
Nav
adur
ga
Jana
ki
Pokh
ara
Cent
ral
Prem
ier
Aru
n
Mul
tipur
pose
13.36 37.93 27.20 36.24 61.23 97.92 60.77 8.76 1.9210.81 35.16 27.20 36.24 61.23 93.32 56.28 8.59 1.92
3.71 11.46 10.45 10.62 27.66 26.69 20.72 4.037.10 23.71 16.75 25.62 33.57 66.64 35.55 4.56 1.92
1.85 0.22 7.14 0.041.59 1.68 0.40 1.66 0.88
1.58 10.44 20.14 3.67 21.93 2.605.53 9.83 16.75 25.62 11.75 62.35 4.81 1.04 1.92
2.54 2.76 4.60 4.49 0.170.32 0.13
2.28 3.34 3.61 2.04 3.59 4.70 3.94 3.30 0.681.73 4.49 2.66 0.81 9.02 3.71 5.28 2.59 0.42
0.48 7.78 0.89 0.14 14.95 16.42 5.59 69.71 1.810.48 7.78 0.89 0.14 14.95 16.42 5.59 69.71 1.81
0.28 0.14 16.42 5.59 ‐2.11 0.000.61 14.95 71.81 1.82
0.48 7.78
1.82 4.89 39.2719.66 53.54 39.25 78.82 88.79 122.75 75.59 84.36 4.96
16.08 27.08 36.96 58.03 81.13 67.02 38.20 6.50 4.5516.08 22.06 30.53 46.21 66.89 59.75 38.20 6.11 4.55
0.44 1.30
0.441.30
1.92 14.24 5.96 0.395.02 6.43 9.47
0.17 0.08 0.08 0.03 4.65 0.16 0.02 0.03 0.01
0.08 0.08 0.03 0.16 0.02 0.03 0.010.17 4.65 0.00
3.42 1.69 2.20 0.65 1.47 4.64 0.60 0.250.17
13.46 11.05 4.40 0.018.88 0.04
11.22 3.01 49.71 32.73 77.20 0.1419.66 53.54 39.25 78.82 88.79 122.75 75.59 84.36 4.96
41
Profit and Loss Accountupto Marg 2068
Rs. in million
Expenses
1 Interest Expenses 1.1 Deposit Liabilities 1.1.1 Saving A/c 1.1.2 Fixed A/c 1.1.2.1 Upto 3 Months Fixed A/c 1.1.2.2 3 to 6 Months fixed A/c 1.1.2.3 6 Months to 1 Year Fixed A/c 1.1.2.4 Above 1 Year 1.1.3 Call Deposit 1.1.4 Certificate of Deposits 1.2 Others 2 Commission/Fee Expense 3 Employees Expenses 4 Office Operatiing Expenses 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 7. Provision for Risk 7.1 Loan loss Provision
7.1.1 General Loan loss Provision 7.1.2 Special Loan Loss Provision 7.1.3 Additional Loan Loss Provision
7.2. Provision for Non‐Banking Assets 7.3. Provision for Loss on Investment 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus10 Provision for Income Tax11 Others12 Net Profit
TOTAL EXPENSES
Income 1. Interest Income 1.1. On Loans and Advance 1.2. On Investment 1.2.1 Government Bonds 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 1.2.4 Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 1.5 Others 2. Comission & Discount 2.1 Bills Purchase & Discount 2.2 Comission 2.3 Others 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans. 4 Other Operating Income 5 Non Operating Income 6 Provision Written Back 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss
TOTAL INCOME
Butw
al
Srija
na
Om
CMB
WM
BFL
CMBF
CL
Crys
tal
Roya
l
Guh
eshw
ori
73.73 3.02 115.60 23.21 42.29 115.14 55.01 96.64 41.4571.56 3.02 115.60 23.09 37.04 112.04 40.36 86.62 41.4523.24 1.79 41.85 9.38 11.95 22.83 13.80 27.86 10.3148.31 1.23 73.75 13.71 25.09 57.40 26.56 58.76 31.14
0.57 0.71 0.00 0.69 0.01 1.33 9.76 1.282.00 2.09 0.00 0.03 2.32 3.59 3.59 0.11
24.34 53.27 11.55 17.95 28.31 5.20 33.38 13.7921.40 1.23 17.68 2.15 6.42 26.76 16.43 12.02 15.96
31.80
2.18 0.12 5.25 3.10 14.65 10.020.25
8.83 1.26 9.59 3.56 3.75 14.93 2.17 4.52 2.6211.97 1.53 11.99 4.60 5.12 13.75 1.90 11.47 1.78
3.59 6.15 0.94 686.92 1.24 0.063.47 6.15 0.94 686.92 1.24 0.063.47 6.14 0.94 ‐13.04 1.24 0.06
0.00 699.95
0.12
0.500.310.92
4.92 2.16 11.9398.13 10.99 146.71 32.31 51.65 830.74 60.32 112.64 57.83
74.94 8.97 131.10 19.78 28.55 68.95 45.80 77.14 54.7366.73 8.71 118.23 14.84 26.11 63.64 45.80 70.51 45.22
2.31 0.68 1.84 0.652.31 0.68 1.84 0.65
2.958.21 0.27 7.96 3.06 5.91
2.59 4.26 2.44 5.31 1.741.62 0.17 0.01 3.72 0.03 0.11 0.25 0.18
0.58 0.17 0.01 0.02 0.03 0.11 0.25 0.181.05 3.70
1.84 15.56 1.17 0.01 0.32 2.670.06 0.14 0.24 1.49 1.86 0.26
0.26 2.97
21.31 8.25 19.39 761.50 12.59 33.3998.13 10.99 146.71 32.31 51.65 830.74 60.32 112.64 57.83
42
Profit and Loss Accountupto Marg 2068
Rs. in million
Expenses
1 Interest Expenses 1.1 Deposit Liabilities 1.1.1 Saving A/c 1.1.2 Fixed A/c 1.1.2.1 Upto 3 Months Fixed A/c 1.1.2.2 3 to 6 Months fixed A/c 1.1.2.3 6 Months to 1 Year Fixed A/c 1.1.2.4 Above 1 Year 1.1.3 Call Deposit 1.1.4 Certificate of Deposits 1.2 Others 2 Commission/Fee Expense 3 Employees Expenses 4 Office Operatiing Expenses 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 7. Provision for Risk 7.1 Loan loss Provision
7.1.1 General Loan loss Provision 7.1.2 Special Loan Loss Provision 7.1.3 Additional Loan Loss Provision
7.2. Provision for Non‐Banking Assets 7.3. Provision for Loss on Investment 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus10 Provision for Income Tax11 Others12 Net Profit
TOTAL EXPENSES
Income 1. Interest Income 1.1. On Loans and Advance 1.2. On Investment 1.2.1 Government Bonds 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 1.2.4 Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 1.5 Others 2. Comission & Discount 2.1 Bills Purchase & Discount 2.2 Comission 2.3 Others 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans. 4 Other Operating Income 5 Non Operating Income 6 Provision Written Back 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss
TOTAL INCOME
Pata
n
Few
a
Ever
est
Prud
entia
l
ICFC
IME
Saga
rmat
ha
Shik
har
Civi
l
12.56 98.39 12.98 56.69 150.01 164.84 59.84 33.04 22.3512.20 98.39 12.98 46.60 146.67 164.84 59.38 32.00 21.50
4.69 40.94 6.01 17.27 62.68 115.13 19.00 7.20 5.917.51 57.45 6.97 29.31 83.99 49.71 40.38 24.80 8.93
1.99 3.08 2.07 5.05 3.19 4.70 3.22 0.011.78 1.00 0.92 1.53 4.20 1.71
39.18 1.11 10.90 38.28 38.07 28.04 17.78 7.657.51 14.51 2.78 15.34 39.75 6.92 3.44 2.09 1.27
6.660.02
0.36 10.09 3.34 0.46 1.04 0.84
2.57 7.62 1.46 3.67 12.32 19.42 8.32 2.80 3.011.61 14.27 2.21 3.26 16.85 12.88 4.30 3.26 1.29
0.168.15 19.10 0.82 79.28 0.50 52.11 2.38 1.97 13.268.15 19.10 0.82 79.28 0.50 52.11 0.15 1.97 13.268.15 19.10 0.10 ‐4.42 4.66 1.97 4.27
0.73 79.28 0.19 47.45 0.15 7.404.73 1.60
2.22
0.09 3.71 0.080.27 11.13 0.23
0.62 25.9625.05 139.38 18.45 142.91 220.49 249.25 74.83 41.07 40.22
13.87 126.29 17.50 45.53 212.29 198.49 54.53 35.54 26.6810.54 115.65 13.96 43.81 180.72 165.35 50.02 32.45 20.36
0.44 0.45 0.63 1.92 0.33 0.04 0.340.45 0.63 1.92 0.33 0.04
0.44 0.34
24.3610.20 3.08 0.36 31.22 4.39
3.33 0.73 7.21 4.18 3.05 1.590.00 0.29 0.15 1.44 0.24 8.83 3.33 2.08 0.05
0.000.00 0.29 0.15 0.03 0.24 8.83 0.35 0.28 0.050.00 1.41 2.98 1.80
0.44 7.72 0.81 7.96 16.80 1.42
6.82 0.52 10.82
10.74 5.08 89.12 25.13 16.45 3.45 1.2625.05 139.38 18.45 142.91 220.49 249.25 74.83 41.07 40.22
43
Profit and Loss Accountupto Marg 2068
Rs. in million
Expenses
1 Interest Expenses 1.1 Deposit Liabilities 1.1.1 Saving A/c 1.1.2 Fixed A/c 1.1.2.1 Upto 3 Months Fixed A/c 1.1.2.2 3 to 6 Months fixed A/c 1.1.2.3 6 Months to 1 Year Fixed A/c 1.1.2.4 Above 1 Year 1.1.3 Call Deposit 1.1.4 Certificate of Deposits 1.2 Others 2 Commission/Fee Expense 3 Employees Expenses 4 Office Operatiing Expenses 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 7. Provision for Risk 7.1 Loan loss Provision
7.1.1 General Loan loss Provision 7.1.2 Special Loan Loss Provision 7.1.3 Additional Loan Loss Provision
7.2. Provision for Non‐Banking Assets 7.3. Provision for Loss on Investment 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus10 Provision for Income Tax11 Others12 Net Profit
TOTAL EXPENSES
Income 1. Interest Income 1.1. On Loans and Advance 1.2. On Investment 1.2.1 Government Bonds 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 1.2.4 Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 1.5 Others 2. Comission & Discount 2.1 Bills Purchase & Discount 2.2 Comission 2.3 Others 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans. 4 Other Operating Income 5 Non Operating Income 6 Provision Written Back 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss
TOTAL INCOME
Prab
hu
Impe
rial
Kube
r
NEF
L
Valle
y
Seti
ham
a
relia
ble
Lord
Bu
ddha
204.11 41.22 56.74 24.73 42.16 2.49 15.52 79.57 13.62204.04 41.04 54.06 23.51 41.44 2.49 15.50 75.22 13.62125.55 12.86 13.03 12.82 6.76 1.71 4.11 41.88 6.50
78.50 28.17 41.03 10.67 34.69 0.77 7.67 33.35 7.122.85 2.26 0.02 1.35 0.26 1.288.14 0.40 0.12 3.75 0.00 0.08 4.04 0.49
59.64 11.20 41.03 7.25 8.05 0.47 3.33 25.49 4.647.87 14.32 3.27 22.89 0.30 2.92 3.56 0.70
0.02 3.72
0.07 0.18 2.68 1.23 0.72 0.02 4.35
24.93 3.05 5.95 3.77 4.58 2.05 2.54 7.73 2.0435.91 1.98 9.46 3.14 4.77 0.63 2.93 7.44 2.18
0.09 0.026.11 0.87 0.68 0.28 0.15 25.37 3.34 0.706.11 0.87 0.68 0.28 0.15 25.37 0.706.11 0.87 0.09 ‐1.13 0.70
0.68 0.28 0.06 29.52‐3.02
3.34
1.15 0.37 0.823.46 1.11 2.45
8.08 2.60 3.49 5.71283.85 46.25 73.01 36.41 51.81 8.80 46.37 98.08 27.52
220.58 31.85 43.72 33.97 46.03 8.18 20.80 82.46 27.50208.02 24.17 41.64 28.47 42.43 7.38 17.95 67.45 19.93
0.03 0.26 0.55 0.45 1.34 0.490.26 0.45 1.34
0.03 0.55 0.49
12.331.40 3.06 2.27 13.64
0.24 7.64 0.69 5.25 0.79 0.14 0.03 7.0828.43 0.03 2.55 0.65 0.34 0.10 0.04 1.72 0.01
28.43 0.03 2.55 0.65 0.34 0.10 0.04 1.64 0.010.09
13.48 0.9413.48 0.94
12.75 0.78 0.76 1.79 2.49 0.53 1.40 3.650.33 0.12 0.15
8.62 7.29 0.10 7.18
5.96 25.88 2.83 24.13 1.98283.85 46.25 73.01 36.41 51.81 8.80 46.37 98.08 27.52
44
Profit and Loss Accountupto Marg 2068
Rs. in million
Expenses
1 Interest Expenses 1.1 Deposit Liabilities 1.1.1 Saving A/c 1.1.2 Fixed A/c 1.1.2.1 Upto 3 Months Fixed A/c 1.1.2.2 3 to 6 Months fixed A/c 1.1.2.3 6 Months to 1 Year Fixed A/c 1.1.2.4 Above 1 Year 1.1.3 Call Deposit 1.1.4 Certificate of Deposits 1.2 Others 2 Commission/Fee Expense 3 Employees Expenses 4 Office Operatiing Expenses 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 7. Provision for Risk 7.1 Loan loss Provision
7.1.1 General Loan loss Provision 7.1.2 Special Loan Loss Provision 7.1.3 Additional Loan Loss Provision
7.2. Provision for Non‐Banking Assets 7.3. Provision for Loss on Investment 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus10 Provision for Income Tax11 Others12 Net Profit
TOTAL EXPENSES
Income 1. Interest Income 1.1. On Loans and Advance 1.2. On Investment 1.2.1 Government Bonds 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 1.2.4 Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 1.5 Others 2. Comission & Discount 2.1 Bills Purchase & Discount 2.2 Comission 2.3 Others 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans. 4 Other Operating Income 5 Non Operating Income 6 Provision Written Back 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss
TOTAL INCOME
Swas
tik
Api
Nam
aste
Kask
i
Sury
adar
shan
Zeni
th
Uni
que
Man
jush
ree
Subh
alax
mi
14.08 31.72 2.54 51.35 26.95 37.20 19.85 31.86 23.8614.08 31.72 2.54 51.35 25.28 37.12 15.55 30.56 23.86
5.68 20.62 2.21 22.59 10.59 22.00 2.88 16.81 3.818.40 11.10 0.33 28.76 14.69 15.11 12.67 13.75 18.65
0.29 2.34 1.53 0.09 0.01 0.29 0.470.19 1.13 1.08 0.05 1.42 0.45
5.21 8.44 0.01 24.00 11.95 10.27 11.33 5.51 5.223.19 2.18 0.32 2.43 0.07 3.68 1.27 6.53 12.52
1.40
1.67 0.09 4.30 1.30
2.20 4.00 0.94 4.87 2.64 4.90 1.80 2.94 4.352.54 2.98 0.29 5.30 3.30 3.16 2.26 5.29 5.32
0.07 1.12 0.29 4.42 1.67 0.67 0.62 0.740.07 1.12 0.29 4.42 1.65 0.67 0.62 0.740.07 1.12 0.29 0.14 0.62
4.42 1.51 0.710.67 0.03
0.02
0.15 0.240.45 0.73
1.05 1.61 1.70 3.6518.89 41.48 5.67 68.62 32.88 46.93 28.23 40.71 34.28
17.15 39.59 4.95 65.21 31.21 41.37 27.21 30.39 29.7714.76 32.74 4.10 58.90 25.22 34.39 25.08 28.88 29.77
0.09 0.33 0.23 0.05 0.400.09 0.23 0.05 0.40
0.33
2.12 5.44 0.85 3.33 6.920.18 1.41 5.98 2.43 1.72 1.510.33 0.42 0.12 0.14 1.02 1.47 0.09
0.23 0.42 0.12 0.14 0.49 0.090.10 1.02 0.98
0.94 1.47 0.66 3.40 0.83 5.13 1.840.08
0.48 0.70 0.35 8.85 2.5818.89 41.48 5.72 68.62 32.88 46.93 28.23 40.71 34.28
45
Profit and Loss Accountupto Marg 2068
Rs. in million
Expenses
1 Interest Expenses 1.1 Deposit Liabilities 1.1.1 Saving A/c 1.1.2 Fixed A/c 1.1.2.1 Upto 3 Months Fixed A/c 1.1.2.2 3 to 6 Months fixed A/c 1.1.2.3 6 Months to 1 Year Fixed A/c 1.1.2.4 Above 1 Year 1.1.3 Call Deposit 1.1.4 Certificate of Deposits 1.2 Others 2 Commission/Fee Expense 3 Employees Expenses 4 Office Operatiing Expenses 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 7. Provision for Risk 7.1 Loan loss Provision
7.1.1 General Loan loss Provision 7.1.2 Special Loan Loss Provision 7.1.3 Additional Loan Loss Provision
7.2. Provision for Non‐Banking Assets 7.3. Provision for Loss on Investment 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus10 Provision for Income Tax11 Others12 Net Profit
TOTAL EXPENSES
Income 1. Interest Income 1.1. On Loans and Advance 1.2. On Investment 1.2.1 Government Bonds 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 1.2.4 Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 1.5 Others 2. Comission & Discount 2.1 Bills Purchase & Discount 2.2 Comission 2.3 Others 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans. 4 Other Operating Income 5 Non Operating Income 6 Provision Written Back 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss
TOTAL INCOME
Jebi
ls
Relia
nce
Lotu
s
Baib
hav
Bhak
tapu
r
14.51 41.55 11.65 5.10 4.0414.51 39.98 11.65 5.10 4.04
3.08 20.14 5.85 4.03 1.867.35 19.85 5.80 1.06 0.610.29 2.62 0.100.35 2.48 0.02 0.062.87 3.13 4.60 0.64 0.183.85 11.62 1.09 0.43 0.374.08 1.57
1.57
3.80 3.12 1.92 2.11 1.143.96 2.77 2.00 1.19 1.48
1.74 0.05 0.38 0.141.74 0.05 0.38 0.141.70 0.05 0.10 0.140.04 0.19
0.09
0.64 0.18‐0.01 1.93 0.53
4.50 2.82 2.41 0.5923.98 54.56 18.77 10.81 8.09
16.18 52.11 16.90 9.78 7.6614.25 40.01 14.78 7.53 3.27
0.15 0.12 0.01 0.020.15 0.12 0.02
0.01
1.77 6.53 2.25 4.370.00 5.45 2.120.64 0.39 0.02 1.02 0.44
0.64 0.39 0.02 0.001.02 0.44
1.36 1.03 0.91
1.50 1.03 0.94
4.3023.98 54.56 18.77 10.81 8.09
46
Statement of Loans and Advancesas on Marg end 2068
Rs. in million
NBL
RBB
NA
BIL
NIB
L
SCBN
L
HBL
NSB
I
NBB
L
EBL
BOK
NCC NIC
LBL
MBL
Kum
ari
Laxm
i
1 Agricultural and Forest Related 291.50 589.46 294.14 354.73 355.08 722.57 441.35 45.98 1179.40 128.63 273.60 581.14 184.91 61.97 338.17 63.982 Fishery Related 46.98 6.123 Mining Related 44.94 689.09 20.57 44.50 24.79 1.89 300.00 48.49 794.574 Manufacturing (Producing) Related 4703.41 5456.80 12294.92 13606.71 3426.69 11711.77 4744.35 2319.39 5874.61 5325.54 2080.89 4731.46 699.32 3006.07 3115.92 4008.505 Construction 2638.88 3747.86 4943.09 1576.04 3849.61 1326.46 2792.93 2528.19 4435.22 1445.52 1023.90 1987.47 745.55 1105.37 2073.65 3226.636 Electricity,Gas and Water 269.57 301.24 121.48 222.97 22.44 660.26 138.93 6.30 412.99 807.54 288.05 141.85 182.89 843.56 6.89 274.607 Metal Products, Mach. & Ele. Eqp. 57.23 861.72 468.00 362.23 239.78 35.90 498.19 153.18 678.14 234.10 286.47 8.35 2.89 117.14 559.17 35.558 Tras., Com. and Public Utilities 945.51 1570.98 3873.18 978.25 13.49 1576.87 874.85 360.80 3086.79 161.69 614.95 286.88 213.95 559.75 778.64 854.419 Wholesaler & Retailer 5274.50 8763.51 9424.40 5894.31 2520.28 4653.59 7118.02 1999.54 10752.49 3887.87 1545.28 2556.22 1595.35 2441.82 2191.51 2666.30
10 Finance, Insurance and Real Estate 865.90 2046.33 3290.64 5682.18 1425.16 4958.45 566.74 635.75 3033.24 2223.78 1706.24 1784.68 323.07 1826.15 2445.36 3314.8411 Hotel or Restaurant 356.85 626.54 1018.21 2112.55 39.96 768.07 288.74 433.38 694.55 156.00 246.05 95.62 646.47 122.54 422.56 37.0312 Other Services 383.71 1448.63 2225.30 2438.07 145.84 2669.81 273.08 473.27 917.11 1119.24 230.50 268.62 252.62 572.04 827.85 512.0413 Consumption Loans 7925.43 6471.71 202.31 1402.91 3234.07 835.81 281.79 546.84 1845.16 1227.67 893.60 992.02 37.21 329.21 688.18 535.8514 Local Government 217.07 138.81 255.20 57.29 134.6315 Others 3413.81 2100.14 3060.71 6291.13 2975.29 4094.23 4254.99 1228.96 816.07 1035.81 428.98 1367.30 1609.10 2414.11 1803.47 424.73
TOTAL 27171.23 34938.06 41236.93 40966.57 18386.49 34268.98 22273.98 10762.49 33727.65 18053.39 9618.51 14801.62 6550.61 13448.21 16045.93 16089.10
Product wise credit1 Term Loan 6204.60 3515.32 6006.68 5819.99 1160.90 5147.69 1187.32 1526.39 4900.05 2518.14 859.76 815.10 764.57 2326.60 2452.63 2631.182 Overdraft 2901.60 4625.75 8983.88 9339.30 1898.64 5116.49 962.15 2823.45 2426.02 4187.46 3071.65 1009.48 710.82 2753.30 4570.06 2341.863 Trust Receipt Loan / Import Loan 961.50 626.13 4470.98 4583.14 1233.96 4157.24 1511.09 852.18 1747.77 1058.21 573.12 1217.44 107.94 1164.44 480.08 751.144 Demand & Other Working Capital Loan 4859.70 10839.06 5761.55 7648.48 3451.23 7902.48 9936.75 1506.97 12016.57 3608.67 1000.73 3800.99 1326.99 869.40 2844.48 4045.025 Res. Per. H. Loan (Up to Rs. 10 mil.) 1775.80 3112.77 2379.65 710.02 2924.36 1326.67 2073.93 484.17 3574.79 1237.49 563.47 938.98 119.62 530.42 1205.84 625.046 Real Estate Loan 98.50 1892.19 4948.76 8724.06 1656.03 3662.03 1691.00 934.85 2387.93 1664.68 1475.92 2278.07 1264.25 2732.73 2977.44 3204.287 Margin Nature Loan 784.20 499.02 59.53 878.92 2.10 0.14 77.65 128.66 116.47 256.50 69.46 31.88 298.26 206.558 Hire Purchase Loan 1799.00 1323.56 3720.80 1461.04 3418.42 1689.95 427.13 1193.67 4496.67 1308.58 797.83 1047.77 448.41 904.11 603.53 474.349 Deprived Sector Loan 414.50 1061.82 1044.49 979.52 564.20 861.45 713.18 320.13 904.87 686.34 311.95 471.90 156.85 475.13 498.43 466.06
10 Bills Purchased 17.60 75.02 35.51 168.47 1213.06 2466.86 23.77 68.57 43.70 1053.68 11.08 4.55 0.81 40.85 23.15 664.3311 Other Product 7354.23 7367.42 3884.62 1473.03 865.68 1059.21 3745.55 1051.97 1151.63 601.47 836.54 2960.85 1580.89 1619.35 92.03 679.30
27171.23 34938.06 41236.93 40966.57 18386.49 34268.98 22273.98 10762.49 33727.65 18053.39 9618.51 14801.62 6550.61 13448.21 16045.93 16089.10
Security wise credit1 Gold and Silver 6033.58 6213.41 35.45 1010.75 118.36 401.98 13.53 8.43 1.00 18.092 Government Securities 648.89 517.52 72.77 1.66 1230.47 4.31 1.80 59.67 19.77 3.60 57.29 0.903 Non Governmental Securities 11.45 156.72 86.47 878.92 2.10 926.75 2.20 216.47 281.30 38.96 37.53 161.094 Fixed Deposit Receipts 161.86 319.70 529.68 188.29 419.75 328.68 907.61 255.21 858.73 834.42 196.56 175.32 41.59 211.79 120.51 91.94
4.1 Own 156.97 218.39 479.12 188.29 137.19 328.32 907.61 255.21 858.24 829.83 196.56 175.32 41.59 150.20 120.51 91.944.2 Other Licences Institutions 4.89 101.31 50.56 282.56 0.36 0.00 0.49 4.59 61.58
5 Collateral of Properties 16693.42 26746.84 30825.15 35302.80 13783.94 29637.97 19535.03 9170.12 30122.75 15519.16 8080.52 13756.32 5728.73 12675.32 15361.59 15190.415.1 Fixed Assets 13871.23 26619.46 23704.72 30230.57 12084.17 28039.54 16430.64 8622.23 12130.57 12899.39 6433.92 9065.24 5603.57 9612.03 14364.04 11261.905.2 Current Assets 2822.19 127.38 7120.43 5072.23 1699.78 1598.43 3104.39 547.89 17992.18 2619.77 1646.60 4691.08 125.16 3063.29 997.55 3928.51
6 Against security of Bill 360.06 193.02 3994.85 208.86 2466.86 303.20 134.67 121.79 1091.09 6.83 2.62 271.41 56.77 6.926.1 Domestic Bills 24.46 46.91 58.66 154.13 40.76 14.41 54.94 10.356.2 Foreign Bills 360.06 168.56 3947.94 208.86 2408.20 149.06 93.91 107.38 1091.09 6.83 2.62 271.41 1.83 ‐3.43
7 Against Guarantee 692.34 266.66 46.07 534.74 281.89 878.79 692.20 987.37 882.49 572.28 362.31 461.73 116.91 413.49 237.99 153.567.1 Government Guarantee 406.90 10.80 368.27 138.81 156.12 91.30 217.83 2.17 71.84 139.16 129.84 0.77 134.637.2 Institutional Guarantee 257.37 241.23 150.58 143.08 438.08 348.88 594.67 96.94 233.40 322.58 83.49 250.62 237.237.3 Personal Guarantee 27.00 12.51 ‐4.89 15.19 0.00 547.19 36.68 56.78 0.02 33.03 18.927.4 Collective Guarantee 1.07 2.02 0.24 0.00 3.737.5 Int. Rtd. Foreign Bank's Guarantee ‐0.01 17.34 98.00 0.297.6 Other Guarantee 0.10 50.73 0.70 861.45 33.32 469.44 33.40
8 Credit Card 128.72 37.72 106.31 73.46 14.47 11.079 Others 2569.62 524.19 5604.26 3595.28 2564.13 832.03 96.78 755.46 353.83 107.20 295.72 44.90 156.83 623.13
Total 27171.23 34938.06 41236.93 40966.57 18386.49 34268.98 22273.98 10762.49 33727.65 18053.39 9618.51 14801.62 6550.61 13448.21 16045.93 16089.10
TOTAL LOAN & ADVANCES
Sector wise credit
49
Statement of Loans and Advancesas on Marg end 2068
Rs. in million
1 Agricultural and Forest Related 2 Fishery Related 3 Mining Related 4 Manufacturing (Producing) Related 5 Construction 6 Electricity,Gas and Water 7 Metal Products, Mach. & Ele. Eqp. 8 Tras., Com. and Public Utilities 9 Wholesaler & Retailer
10 Finance, Insurance and Real Estate 11 Hotel or Restaurant 12 Other Services 13 Consumption Loans 14 Local Government 15 Others
TOTAL
Product wise credit1 Term Loan2 Overdraft3 Trust Receipt Loan / Import Loan4 Demand & Other Working Capital Loan5 Res. Per. H. Loan (Up to Rs. 10 mil.)6 Real Estate Loan7 Margin Nature Loan8 Hire Purchase Loan9 Deprived Sector Loan
10 Bills Purchased11 Other Product
Security wise credit1 Gold and Silver 2 Government Securities 3 Non Governmental Securities 4 Fixed Deposit Receipts
4.1 Own 4.2 Other Licences Institutions
5 Collateral of Properties 5.1 Fixed Assets 5.2 Current Assets
6 Against security of Bill 6.1 Domestic Bills 6.2 Foreign Bills
7 Against Guarantee 7.1 Government Guarantee 7.2 Institutional Guarantee 7.3 Personal Guarantee 7.4 Collective Guarantee 7.5 Int. Rtd. Foreign Bank's Guarantee 7.6 Other Guarantee
8 Credit Card 9 Others
Total
TOTAL LOAN & ADVANCES
Sector wise credit SBL
AD
BNL
Glo
bal
Citi
zens
Prim
e
BOA
Sunr
ise
DCB
L
NM
B
Kist
Jana
ta
Meg
a
CTBN
L
Civi
l Ban
k
Cent
ury
NID
C
239.72 8308.30 42.68 72.73 260.73 79.04 23.17 166.94 150.98 281.28 53.17 7.26 256.87 12.05 54.00 19.631674.42 0.50 0.29
75.97 0.10 2.51 19.07 501.62 142.71 159.68 73.10 9.98 169.88 29.613385.52 5026.59 3447.93 2908.15 4042.88 1863.48 3477.65 2191.20 3286.96 1034.44 2273.93 2159.18 816.48 1529.02 354.86 695.272305.54 2435.85 1053.54 749.64 1220.06 1991.76 539.21 726.99 1331.71 1962.79 142.39 487.69 230.44 325.03 342.01
418.56 4.47 18.42 867.77 739.65 465.89 128.41 2.81 147.81 274.08 37.18 270.64 27.40 29.6574.73 148.75 156.53 76.90 40.02 592.52 85.08 91.17 403.03 73.95 247.65 564.35 289.45 213.45 1.43 4.01
926.40 194.62 113.44 198.84 267.33 1813.61 486.25 1019.57 788.55 844.47 142.30 1123.51 464.38 68.29 20.382707.92 11022.63 2867.09 1270.89 2453.28 2033.03 2251.76 1316.11 1808.67 2253.09 661.52 1180.02 656.74 1153.57 343.33 67.453063.50 571.50 909.56 2590.96 2907.18 1444.51 3609.26 2551.89 1611.33 2829.46 392.34 356.97 118.39 631.48 91.11 114.69
265.59 984.28 524.30 141.10 136.72 155.15 299.12 347.88 106.28 1005.58 259.78 357.17 109.30 282.74 7.71 401.281045.23 2467.81 307.37 675.95 544.72 394.95 721.92 543.34 751.92 1194.16 254.25 349.85 137.57 350.21 90.49 46.75
113.19 412.37 341.45 858.70 442.37 250.14 949.21 68.41 764.32 202.56 345.33 406.15 47.53 49.72 143.83 3.19135.05 77.19
3827.98 7565.11 4000.99 2077.18 5003.90 516.02 810.10 878.43 469.21 1427.75 271.97 213.76 387.20 23.76 90.59 19.3318584.89 40816.78 13786.31 12507.87 18560.45 11820.00 13540.82 9977.85 11620.77 13383.91 5054.61 7412.98 3814.59 4666.72 1539.74 1401.26
3290.91 17902.81 948.33 2720.03 2440.05 1473.73 1848.59 1449.11 1403.02 2689.10 781.27 603.74 470.86 285.60 222.16 914.814393.15 4745.36 3471.66 2380.56 4932.53 2385.89 2185.98 921.64 641.28 3695.66 1126.20 429.99 920.68 1281.86 553.75 61.87
765.93 922.08 470.90 679.72 220.62 1241.46 755.62 456.54 115.87 611.81 775.06 254.19 526.88 138.752672.38 13293.84 3726.23 1516.80 444.32 1877.15 3021.39 2956.00 2455.16 1477.09 1557.68 3578.20 1421.38 1580.30 191.75 257.11
766.26 1656.57 336.53 366.00 604.32 617.58 396.40 93.29 690.46 448.89 79.63 73.03 39.98 48.01 168.37 6.274315.05 632.62 2515.66 2547.55 3985.89 2408.60 2870.58 2506.24 1551.49 2683.06 253.84 188.41 159.74 372.97 142.68 111.49
498.64 328.30 69.94 723.00 113.58 114.15 260.66 310.79 423.18 85.15 207.23 59.04935.82 87.08 930.03 948.98 586.84 1571.54 816.47 189.49 1170.30 1019.76 220.27 868.22 151.10 100.70 61.81 22.57515.69 2380.27 349.18 335.62 610.05 390.91 384.53 285.83 342.40 417.71 88.26 128.86 80.29 10.00254.08 11.06 70.04 31.69 10.40 2.46 21.96 610.45 5.85 4.50 105.00 1.20176.97 118.23 247.25 1081.46 3522.04 749.99 658.80 538.01 1988.87 407.75 245.99 767.47 4.14 469.20 1.43 17.14
18584.89 40816.78 13786.31 12507.87 18560.45 11820.00 13540.82 9977.85 11620.77 13383.91 5054.61 7412.98 3814.59 4666.72 1539.74 1401.26
390.30 2673.42 439.44 136.33 17.310.04
15.30 90.54 65.22 747.03 113.58 350.64 434.92 100.15 37.18 30.00 15.92 59.04264.28 333.39 1.64 151.97 130.11 138.36 95.76 24.48 78.44 185.40 2.35 51.84 2.13 31.46 22.98260.01 333.39 1.67 142.11 130.11 133.87 95.76 24.48 78.44 185.40 2.35 50.06 2.13 31.46
4.27 ‐0.02 9.86 4.49 1.78 22.9816769.01 40483.38 3142.51 10394.32 14021.39 11481.97 12160.31 9215.73 10441.52 12039.04 4613.31 7098.13 3417.47 4592.21 1457.7211983.29 40483.38 2213.66 7630.35 13636.99 8557.64 9274.07 7221.01 7585.40 12007.49 2874.69 3988.83 1071.01 3064.43 685.27
4785.72 928.85 2763.97 384.39 2924.33 2886.23 1994.73 2856.12 31.55 1738.62 3109.30 2346.46 1527.79 772.452.87 17.50 242.38 8.90 53.51 41.66 6.25 93.38 23.91 105.00 9.81
17.50 21.23 8.90 0.05 15.28 1.202.87 221.15 53.51 41.66 6.20 78.10 23.91 105.00 8.61
523.12 74.49 7.19 563.01 77.19 348.58 102.68 577.81 619.16 10.10 50.28135.05 7.19 117.80 77.19 52.81 34.91388.07 444.62 348.58 102.65 481.40 260.48 50.28
38.55 0.59 0.03 40.59 318.434.90 3.00 5.35 10.10
31.0422.31
1010.32 10437.32 1256.49 425.49 496.72 581.45 130.67 99.14 109.08 191.82 209.72 0.00 1401.2618584.89 40816.78 13786.31 12507.87 18560.45 11820.00 13540.82 9977.85 11620.77 13383.91 5054.61 7412.98 3814.59 4666.72 1539.74 1401.26
50
Statement of Loans and Advancesas on Marg end 2068
Rs. in million
1 Agricultural and Forest Related 2 Fishery Related 3 Mining Related 4 Manufacturing (Producing) Related 5 Construction 6 Electricity,Gas and Water 7 Metal Products, Mach. & Ele. Eqp. 8 Tras., Com. and Public Utilities 9 Wholesaler & Retailer
10 Finance, Insurance and Real Estate 11 Hotel or Restaurant 12 Other Services 13 Consumption Loans 14 Local Government 15 Others
TOTAL
Product wise credit1 Term Loan2 Overdraft3 Trust Receipt Loan / Import Loan4 Demand & Other Working Capital Loan5 Res. Per. H. Loan (Up to Rs. 10 mil.)6 Real Estate Loan7 Margin Nature Loan8 Hire Purchase Loan9 Deprived Sector Loan
10 Bills Purchased11 Other Product
Security wise credit1 Gold and Silver 2 Government Securities 3 Non Governmental Securities 4 Fixed Deposit Receipts
4.1 Own 4.2 Other Licences Institutions
5 Collateral of Properties 5.1 Fixed Assets 5.2 Current Assets
6 Against security of Bill 6.1 Domestic Bills 6.2 Foreign Bills
7 Against Guarantee 7.1 Government Guarantee 7.2 Institutional Guarantee 7.3 Personal Guarantee 7.4 Collective Guarantee 7.5 Int. Rtd. Foreign Bank's Guarantee 7.6 Other Guarantee
8 Credit Card 9 Others
Total
TOTAL LOAN & ADVANCES
Sector wise credit
Udd
hyam
Mal
ika
SDBL
UD
BL
MD
BL
Nar
ayan
i
PDBL
Saha
yogi
Pash
upat
i
Karn
ali
Triv
eni
Ann
apur
na
Bhri
kuti
Suve
kchh
a
Bage
shw
ori
Sani
ma
Gau
rish
ank
ar
17.58 16.34 184.76 24.09 26.92 9.67 260.52 21.99 48.36 86.58 278.65 56.44 67.30 27.56 17.59 2.38 22.694.16 2.15 2.07 0.10 1.13 0.08
20.08 13.34 10.63 1.00 6.97 3.7015.37 190.66 278.61 0.30 173.33 22.11 113.40 18.95 178.68 47.95 112.29 27.55 244.52 5.35 66.99 919.32 30.1523.78 35.50 337.37 4.09 716.54 68.92 180.43 118.01 49.30 42.25 165.98 56.71 72.47 134.76 1240.11 85.64
1.20 14.70 9.00 1.72 2.52 352.93175.06 16.14 0.01 19.44 1.59 14.33 25.74 2.61
19.04 89.19 314.14 1.66 49.60 182.14 8.72 41.88 48.85 194.25 71.56 270.53 158.98 111.70 731.48 57.4236.57 435.61 489.11 19.74 533.32 215.27 232.47 222.16 147.80 169.04 142.07 249.12 826.44 443.58 424.71 861.24 38.9214.47 15.00 522.34 308.64 119.30 131.68 173.60 15.51 208.79 699.33 38.4413.82 15.10 284.78 158.98 18.66 37.69 1.44 18.42 227.46 0.11 72.60 83.05 6.49
8.62 33.57 247.29 59.05 27.49 51.81 30.80 114.65 53.55 16.33 276.32 13.46 74.41 481.30 21.481.93 29.51 369.97 314.46 76.81 35.91 17.84 26.90 14.02 20.57 16.78 24.32 52.40 11.97 465.39 16.08
1.50 0.2319.84 253.39 124.90 18.92 97.27 153.16 212.03 270.71 141.51 517.12 308.87 220.89 30.97 61.55 549.23 284.61
171.01 1119.23 3365.28 68.80 2410.85 733.49 1433.70 730.30 844.30 523.34 1548.49 1242.43 1930.32 806.00 997.56 6411.49 608.32
10.45 53.67 752.78 196.05 30.45 169.21 65.06 216.99 93.95 87.95 91.73 186.21 1138.80 190.4964.43 240.32 142.94 416.10 197.48 9.96 396.18 1128.36 267.81 515.36 1141.10 203.69
1.75 778.53 842.63 938.98 215.27 230.36 288.75 48.02 898.06 732.00 1.2018.33 35.50 4.09 77.46 62.45 39.19 95.98 44.08 103.43 43.20 182.86 67.23 129.24 326.81 53.6914.47 789.38 573.72 119.30 237.96 21.29 156.63 42.25 156.60 209.28 149.68 77.65 1551.44 37.25
2.44 106.02 286.10 65.58 0.89 0.20 48.70 92.6815.71 104.99 362.20 1.66 32.23 49.60 139.15 8.55 59.32 48.85 199.62 26.10 277.96 191.57 111.68 808.06 53.14
6.63 28.33 103.81 2.01 64.60 20.10 62.17 24.52 22.54 69.93 36.08 69.30 30.97 33.27 197.57 45.7210.22 31.94 2.93
39.25 115.78 408.46 61.04 1.38 17.59 369.04 349.60 0.85 182.75 480.76 26.78 34.21 30.34 21.80 423.02 23.14171.01 1119.23 3365.28 68.80 2410.85 733.49 1433.70 730.30 844.30 523.34 1548.49 1242.43 1930.32 806.00 997.56 6411.49 608.32
16.00106.02 279.25 65.58 0.89
0.84 13.72 74.63 3.97 11.23 20.10 17.84 0.85 14.02 68.85 12.80 16.89 19.81 11.94 134.74 6.990.84 13.72 74.63 3.97 11.23 20.10 17.84 0.85 14.02 68.85 12.80 16.89 19.81 11.94 134.74 6.99
169.77 1088.03 3138.19 40.52 2057.38 643.74 1395.98 710.46 813.42 509.32 1170.65 1196.73 1913.43 786.19 985.62 5994.39 595.10169.77 1088.03 3138.19 40.52 2057.38 643.74 1395.73 710.46 813.42 509.32 851.69 1196.73 1913.43 786.19 985.62 5994.39 595.10
0.25 318.9610.2210.22
0.40 1.20 30.44 28.28 34.60 2.72 16.73 29.83 3.70 6.22 5.500.40 2.72 0.04 1.50 3.70
30.43 34.60 20.000.01 28.28 15.82 8.33 6.22 0.01
1.20 0.86 5.49
16.29 35.66 2.01 0.20 308.99 29.19 276.13 0.73171.01 1119.23 3365.28 68.80 2410.85 733.49 1433.70 730.30 844.30 523.34 1548.49 1242.43 1930.32 806.00 997.56 6411.49 608.32
51
Statement of Loans and Advancesas on Marg end 2068
Rs. in million
1 Agricultural and Forest Related 2 Fishery Related 3 Mining Related 4 Manufacturing (Producing) Related 5 Construction 6 Electricity,Gas and Water 7 Metal Products, Mach. & Ele. Eqp. 8 Tras., Com. and Public Utilities 9 Wholesaler & Retailer
10 Finance, Insurance and Real Estate 11 Hotel or Restaurant 12 Other Services 13 Consumption Loans 14 Local Government 15 Others
TOTAL
Product wise credit1 Term Loan2 Overdraft3 Trust Receipt Loan / Import Loan4 Demand & Other Working Capital Loan5 Res. Per. H. Loan (Up to Rs. 10 mil.)6 Real Estate Loan7 Margin Nature Loan8 Hire Purchase Loan9 Deprived Sector Loan
10 Bills Purchased11 Other Product
Security wise credit1 Gold and Silver 2 Government Securities 3 Non Governmental Securities 4 Fixed Deposit Receipts
4.1 Own 4.2 Other Licences Institutions
5 Collateral of Properties 5.1 Fixed Assets 5.2 Current Assets
6 Against security of Bill 6.1 Domestic Bills 6.2 Foreign Bills
7 Against Guarantee 7.1 Government Guarantee 7.2 Institutional Guarantee 7.3 Personal Guarantee 7.4 Collective Guarantee 7.5 Int. Rtd. Foreign Bank's Guarantee 7.6 Other Guarantee
8 Credit Card 9 Others
Total
TOTAL LOAN & ADVANCES
Sector wise credit
Gur
kha
Gan
daki
Infr
astr
uctu
re
Busi
ness
Bira
tlax
mi
Exce
l
WD
BL
H &
B
Ara
niko
ND
EP
CED
BL
Mit
eri
Tina
u
Risi
ng
Muk
tina
th
Sew
a
Kank
ai
11.50 37.18 27.30 0.93 111.01 90.79 1.75 40.38 23.51 123.75 103.19 17.09 33.76 46.04 14.70 186.38 8.252.08 0.71 0.10 0.80
33.81 5.00 0.34 4.17 28.0632.85 50.25 140.59 35.29 121.84 58.50 13.57 234.43 10.15 130.49 422.85 9.60 24.60 66.43 60.34 20.8362.97 134.58 226.12 280.76 101.92 2.30 18.19 1215.79 71.48 589.71 295.94 48.96 12.62 152.62 504.31 96.09 30.24
18.88 1.28 386.3912.84 0.13 74.41 4.78 40.20 6.36 11.96 344.34 0.25 2.49 15.57
114.34 125.41 61.29 475.37 40.67 71.77 432.94 59.48 157.33 446.64 33.21 70.85 416.47 183.67 6.12340.64 318.03 570.14 177.97 518.33 431.35 111.45 1102.41 54.09 354.22 587.08 90.34 245.02 56.13 240.75 442.04 107.58
1318.48 49.64 185.87 115.69 466.30 16.46 426.46 686.64 32.99 54.94 5.00 39.9035.00 51.56 28.85 30.06 45.97 16.72 122.64 7.69 118.34 78.87 8.60 13.31 0.7074.74 44.02 57.68 18.04 49.67 71.85 33.00 407.49 3.97 542.05 31.67 16.73 93.52 6.39 122.18
246.41 44.85 34.23 39.45 95.14 117.39 12.70 218.36 11.51 496.39 74.20 105.88 8.89 24.20 16.23 27.09 5.461.50 1.37
894.66 394.79 530.24 181.83 499.68 159.29 120.03 947.82 102.02 602.19 426.89 113.72 79.47 344.21 637.62 14.81 100.853165.41 1270.22 1676.57 1500.33 1497.60 1138.58 399.19 5252.51 368.12 3552.89 3884.72 479.68 626.17 701.02 1830.09 1230.81 280.03
45.04 40.37 133.73 173.59 355.89 33.62 126.83 264.76 66.35 434.52 695.26 16.15 31.67 47.40 202.77 77.26596.61 515.49 992.06 195.44 581.58 260.98 147.83 926.73 140.32 1184.53 1104.06 93.08 345.00 136.51 193.34 362.53 139.92
525.32 13.02 201.79 535.60 11.22 1066.96 10.83 476.30 3.20 190.8962.85 107.34 59.32 277.77 101.93 43.25 18.19 520.96 44.50 181.14 221.03 35.99 152.62 478.69 135.21 31.10
1359.30 105.94 265.96 137.07 18.28 68.62 693.59 11.53 633.18 720.60 32.99 59.31 5.00 25.62 50.91 11.69232.59 55.70 1.03 72.56 0.78 297.18 167.62 0.68 0.70
73.51 139.94 61.29 502.11 35.94 35.68 71.77 583.92 63.33 174.88 383.15 43.23 82.52 49.43 416.47 179.32 11.4317.40 34.33 40.47 48.47 31.99 35.41 9.39 111.69 20.01 126.51 106.02 16.84 19.68 27.91 504.41 29.61 7.44
5.70252.79 313.79 68.05 165.87 170.21 124.40 13.97 1005.64 10.46 520.95 10.68 238.19 87.32 329.55 164.14 78.87 1.20
3165.41 1270.22 1676.57 1500.33 1497.60 1138.58 399.19 5252.51 368.12 3552.89 3884.72 479.68 626.17 701.02 1830.09 1230.81 280.03
13.01 76.35 1.26 126.27 87.12 8.54 0.13
232.59 1.03 1.73 283.90 169.6213.82 17.29 34.23 12.71 59.20 15.92 12.69 111.82 4.77 56.39 27.48 6.37 5.90 15.66 16.23 13.94 0.0213.82 17.29 34.23 12.71 59.20 15.92 12.69 109.86 4.77 56.39 27.48 6.37 5.90 15.66 16.23 13.94 0.02
1.962905.42 1239.92 1586.52 1487.62 1406.41 1041.29 386.49 4822.91 362.11 2921.56 3412.20 386.19 609.07 676.82 1309.44 1214.10 279.882905.42 1239.92 1586.52 1487.62 1406.41 1041.29 386.49 4797.87 362.11 2919.28 3295.03 386.19 609.07 676.82 1309.44 1214.10 279.88
25.03 2.27 117.165.705.70
0.13 12.08 0.08 7.09 64.09 11.20 504.41 2.7715.88 1.37
0.13 9.25 1.23 48.21 10.89 0.302.83 0.08 5.86 0.31 504.41
1.09
13.58 55.70 31.99 3.99 297.01 1.15 157.67 211.343165.41 1270.22 1676.57 1500.33 1497.60 1138.58 399.19 5252.51 368.12 3552.89 3884.72 479.68 626.17 701.02 1830.09 1230.81 280.03
52
Statement of Loans and Advancesas on Marg end 2068
Rs. in million
1 Agricultural and Forest Related 2 Fishery Related 3 Mining Related 4 Manufacturing (Producing) Related 5 Construction 6 Electricity,Gas and Water 7 Metal Products, Mach. & Ele. Eqp. 8 Tras., Com. and Public Utilities 9 Wholesaler & Retailer
10 Finance, Insurance and Real Estate 11 Hotel or Restaurant 12 Other Services 13 Consumption Loans 14 Local Government 15 Others
TOTAL
Product wise credit1 Term Loan2 Overdraft3 Trust Receipt Loan / Import Loan4 Demand & Other Working Capital Loan5 Res. Per. H. Loan (Up to Rs. 10 mil.)6 Real Estate Loan7 Margin Nature Loan8 Hire Purchase Loan9 Deprived Sector Loan
10 Bills Purchased11 Other Product
Security wise credit1 Gold and Silver 2 Government Securities 3 Non Governmental Securities 4 Fixed Deposit Receipts
4.1 Own 4.2 Other Licences Institutions
5 Collateral of Properties 5.1 Fixed Assets 5.2 Current Assets
6 Against security of Bill 6.1 Domestic Bills 6.2 Foreign Bills
7 Against Guarantee 7.1 Government Guarantee 7.2 Institutional Guarantee 7.3 Personal Guarantee 7.4 Collective Guarantee 7.5 Int. Rtd. Foreign Bank's Guarantee 7.6 Other Guarantee
8 Credit Card 9 Others
Total
TOTAL LOAN & ADVANCES
Sector wise credit
Publ
ic
Mah
akal
i
Ace
Bhar
gav
Shan
grila
Resu
nga
Rara
diya
lo
Coun
try
Alp
ine
Nilg
iri
Kast
ham
anda
p
Gar
ima
City
Bish
ow
Prof
essi
ona
l
Kabe
li
27.17 7.79 76.68 2.62 3.55 1.11 5.48 29.61 33.79 44.09 4.06 53.09 22.61 36.38 23.66 5.212.51 7.22
1.0063.19 5.85 576.48 73.85 18.88 76.79 6.27 277.07 25.94 43.60 18.47 0.18
106.92 20.45 636.01 26.79 154.00 211.63 18.73 13.36 47.03 222.79 129.82 382.66 177.38 7.76 14.19173.30 0.91 0.97 80.72
17.29 69.35 14.74 3.88 10.46 28.33 2.07 55.48 0.0771.21 14.94 326.74 13.52 230.85 202.44 39.03 0.23 43.73 25.25 202.29 278.14 391.69 15.52 9.5673.57 44.06 627.68 73.46 373.04 111.50 141.97 116.39 246.22 92.00 80.50 426.71 151.95 194.24 45.00 25.0975.12 688.52 111.66 43.21 58.89 78.00 3.15 574.73 103.72 39.00
9.01 2.50 91.63 7.36 67.87 7.43 7.45 23.90 0.90 200.65 16.06 113.10 5.5316.71 167.06 5.21 108.05 6.63 14.08 11.67 144.57 28.89 130.74 897.66 2.48 4.3330.06 21.44 104.18 1.49 111.12 2.26 19.46 8.98 118.73 6.67 53.09 3.33 55.07 137.72 411.86 8.16 90.98
15.16 2.04 1.97 3.58 0.035.01 56.20 674.79 23.56 503.62 11.16 85.12 42.44 392.79 164.61 145.77 235.23 542.14 49.14 64.57 44.58 18.09
497.76 173.24 4234.80 154.01 1753.29 540.10 284.81 341.33 1020.50 438.24 311.82 2453.10 1356.44 1573.75 1551.47 165.62 173.23
20.21 649.06 52.24 212.51 177.87 20.85 39.41 23.99 291.63 250.21 345.56 328.98 7.27195.67 37.46 1487.01 52.92 252.00 147.67 250.97 382.34 59.75 94.02 1096.76 388.67 239.03 465.01
1.46 123.071.70 49.91 107.71 529.53 85.38 10.50 265.03 80.50 124.97 18.51 55.15 48.67
95.15 20.45 316.44 26.79 137.67 12.71 9.21 44.93 53.65 24.00 183.37 147.79 315.04 144.53 7.76 9.6259.61 971.02 138.80 16.62 23.16 45.56 24.35 3.15 513.58 121.71 40.32 121.21
4.83 130.12 1.98 8.56 0.60 9.75 21.6381.49 34.65 314.28 13.52 350.44 202.35 16.37 27.46 101.93 88.05 25.25 144.54 271.00 451.87 217.30 19.90 10.2113.97 4.59 94.61 4.11 65.84 17.93 11.50 9.22 28.74 17.47 7.00 76.31 101.03 52.17 64.57 4.12 4.64
1.5025.13 26.18 164.54 4.42 63.06 2.26 11.19 2.24 131.12 154.95 53.92 10.71 57.53 108.12 209.87 78.69 92.82
497.76 173.24 4234.80 154.01 1753.29 540.10 284.81 341.33 1020.50 438.24 311.82 2453.10 1356.44 1573.75 1551.47 165.62 173.23
7.68 46.19 41.38 56.79 166.72 88.980.07
135.87 1.98 21.6310.83 1.74 66.26 1.49 29.77 2.26 3.09 8.52 24.44 6.44 6.90 25.50 13.61 23.46 27.83 2.85 0.5510.83 1.74 66.26 1.49 29.77 2.26 3.09 8.52 24.44 6.44 6.90 25.50 13.61 23.46 27.83 2.85 0.55
482.39 171.50 3938.86 152.52 1656.58 537.84 281.72 330.76 984.21 414.33 258.73 2313.86 1200.41 1419.67 1292.34 162.77 83.69482.39 171.50 3938.86 152.52 1656.58 537.84 281.72 330.76 984.21 414.33 258.73 2313.86 1200.41 1419.67 1292.34 162.77 83.69
1.501.50
93.75 57.28 2.04 11.86 17.47 102.49 101.03 52.20 64.5715.16 2.04 11.86 0.03 4.07 2.6978.09 78.81 61.89
0.50 23.69 33.254.02 17.47 101.00 14.88
53.26
4.54 9.75497.76 173.24 4234.80 154.01 1753.29 540.10 284.81 341.33 1020.50 438.24 311.82 2453.10 1356.44 1573.75 1551.47 165.62 173.23
53
Statement of Loans and Advancesas on Marg end 2068
Rs. in million
1 Agricultural and Forest Related 2 Fishery Related 3 Mining Related 4 Manufacturing (Producing) Related 5 Construction 6 Electricity,Gas and Water 7 Metal Products, Mach. & Ele. Eqp. 8 Tras., Com. and Public Utilities 9 Wholesaler & Retailer
10 Finance, Insurance and Real Estate 11 Hotel or Restaurant 12 Other Services 13 Consumption Loans 14 Local Government 15 Others
TOTAL
Product wise credit1 Term Loan2 Overdraft3 Trust Receipt Loan / Import Loan4 Demand & Other Working Capital Loan5 Res. Per. H. Loan (Up to Rs. 10 mil.)6 Real Estate Loan7 Margin Nature Loan8 Hire Purchase Loan9 Deprived Sector Loan
10 Bills Purchased11 Other Product
Security wise credit1 Gold and Silver 2 Government Securities 3 Non Governmental Securities 4 Fixed Deposit Receipts
4.1 Own 4.2 Other Licences Institutions
5 Collateral of Properties 5.1 Fixed Assets 5.2 Current Assets
6 Against security of Bill 6.1 Domestic Bills 6.2 Foreign Bills
7 Against Guarantee 7.1 Government Guarantee 7.2 Institutional Guarantee 7.3 Personal Guarantee 7.4 Collective Guarantee 7.5 Int. Rtd. Foreign Bank's Guarantee 7.6 Other Guarantee
8 Credit Card 9 Others
Total
TOTAL LOAN & ADVANCES
Sector wise credit
Kam
ana
Corp
orat
e
Path
ibha
ra
Purn
ima
Jyot
i
Bagm
ati
Ham
ro
Kakr
e
Shin
e
Paci
fic
Civi
c
IDBL
Gul
mi
Kanc
han
Mat
ribh
umi
Brig
ht
Inno
vati
ve
36.13 84.44 6.24 16.42 47.87 9.70 6.20 12.22 28.80 31.30 12.98 15.80 3.32 4.30 7.08 16.76 11.972.29 0.27 3.89
36.00 44.7435.63 188.12 15.24 45.35 264.85 7.83 4.12 76.77 2.25 238.44 5.36 26.46 3.81 42.67 54.79
221.62 90.43 77.32 11.76 433.47 24.90 7.68 8.76 106.66 50.76 10.02 159.55 5.59 42.36 18.21 23.51 39.19141.31 3.40 0.46 2.30
12.85 9.50 53.03 1.87 1.22 11.33186.69 89.28 0.31 66.56 397.12 4.14 114.83 25.17 25.89 32.70 6.35 27.66 68.56129.64 152.89 246.66 133.39 182.46 27.61 86.50 35.89 345.89 73.65 17.81 657.85 46.90 105.30 25.08 115.45 54.87
71.68 146.25 1.95 31.68 161.10 23.71 114.08 0.78 476.48 52.72 7.10 12.00 7.5851.13 13.68 0.83 58.25 2.64 9.01 2.02 1.00 9.11 1.48 2.05 2.00 7.20 3.6068.10 1.08 6.79 9.06 113.04 3.10 53.17 21.38 383.45 11.56 1.58 7.80 7.7085.38 31.38 78.55 7.99 45.39 2.79 25.61 0.58 100.52 12.76 9.64 165.32 16.00 2.08 3.32 17.32 17.19
4.6091.99 100.77 157.20 123.73 606.25 19.27 34.70 69.03 263.17 56.75 13.38 786.91 36.00 102.46 28.84 57.93 25.35
993.14 907.81 591.07 445.93 2544.75 92.10 188.55 136.34 1213.17 278.70 64.82 2937.66 145.17 381.99 103.84 328.29 308.33
185.06 32.81 351.61 4.14 43.48 67.80 3.93 56.36 3.80 19.37 44.84 12.25 46.64293.10 277.39 219.69 61.84 512.22 29.01 182.00 0.30 298.24 84.29 25.26 184.99 61.68
69.03 1.48165.13 64.80 111.25 435.97 61.56 59.49 454.28 80.21 31.75 234.24 54.30 43.53 46.82 43.65
159.21 53.06 77.32 9.52 253.36 24.20 4.18 73.47 50.76 8.32 31.72 0.75 42.36 11.19 13.17 21.9339.52 115.95 1.96 31.68 246.62 23.71 8.76 147.27 535.09 4.84 47.89 7.10 12.00 14.41
1.45 10.18 112.35 8.89 174.55 3.98 10.60217.21 100.87 48.53 71.62 335.34 2.20 23.88 1.79 191.57 37.33 9.55 201.56 40.59 32.70 7.81 42.76 83.34
28.51 23.62 12.30 22.61 96.56 3.55 5.99 8.75 23.17 6.95 3.09 53.08 8.57 12.08 1.89 8.43 13.933.35
69.08 125.46 166.48 137.41 200.72 0.59 38.15 4.53 64.71 99.53 11.82 1352.81 26.86 89.18 5.75 7.87 22.75993.14 907.81 591.07 445.93 2544.75 92.10 188.55 136.34 1213.17 278.70 64.82 2937.66 145.17 381.99 103.84 328.29 308.33
42.94 25.72 145.34
112.35 174.5516.55 16.22 4.61 2.93 10.01 0.59 1.73 0.58 14.89 0.60 0.10 19.97 2.08 0.94 2.22 0.9916.55 16.22 4.61 2.93 10.01 0.59 1.73 0.58 14.89 0.60 0.10 19.97 2.08 0.94 2.22 0.99
921.00 870.52 560.20 443.01 2372.09 91.51 186.82 135.76 1166.22 278.10 64.73 2541.36 115.41 369.31 101.51 326.07 307.33921.00 870.52 560.20 443.01 2345.99 91.51 186.82 135.76 1166.22 278.10 64.73 2541.36 115.41 369.31 101.51 326.07 307.33
26.103.353.35
6.20 0.10 35.58 23.17 56.43 29.76 1.394.608.90 13.70
6.20 0.10 21.90 54.29 26.160.18 9.47 2.14 3.60 1.39
6.45 17.62 0.53 14.73 8.89 10.60993.14 907.81 591.07 445.93 2544.75 92.10 188.55 136.34 1213.17 278.70 64.82 2937.66 145.17 381.99 103.84 328.29 308.33
54
Statement of Loans and Advancesas on Marg end 2068
Rs. in million
1 Agricultural and Forest Related 2 Fishery Related 3 Mining Related 4 Manufacturing (Producing) Related 5 Construction 6 Electricity,Gas and Water 7 Metal Products, Mach. & Ele. Eqp. 8 Tras., Com. and Public Utilities 9 Wholesaler & Retailer
10 Finance, Insurance and Real Estate 11 Hotel or Restaurant 12 Other Services 13 Consumption Loans 14 Local Government 15 Others
TOTAL
Product wise credit1 Term Loan2 Overdraft3 Trust Receipt Loan / Import Loan4 Demand & Other Working Capital Loan5 Res. Per. H. Loan (Up to Rs. 10 mil.)6 Real Estate Loan7 Margin Nature Loan8 Hire Purchase Loan9 Deprived Sector Loan
10 Bills Purchased11 Other Product
Security wise credit1 Gold and Silver 2 Government Securities 3 Non Governmental Securities 4 Fixed Deposit Receipts
4.1 Own 4.2 Other Licences Institutions
5 Collateral of Properties 5.1 Fixed Assets 5.2 Current Assets
6 Against security of Bill 6.1 Domestic Bills 6.2 Foreign Bills
7 Against Guarantee 7.1 Government Guarantee 7.2 Institutional Guarantee 7.3 Personal Guarantee 7.4 Collective Guarantee 7.5 Int. Rtd. Foreign Bank's Guarantee 7.6 Other Guarantee
8 Credit Card 9 Others
Total
TOTAL LOAN & ADVANCES
Sector wise credit
Jhim
ruk
Met
ro
Vibo
r
Gau
muk
hi
Rapt
iver
i
Cons
umer
Khad
bari
Tour
ism
Mis
sion
Sury
a
Mt.
Mak
alu
Sind
hu
Saha
ra
Soci
al
NCD
BL
Cosm
os
Man
aslu
1.15 3.44 8.16 18.59 11.98 0.38 15.75 35.74 1.30 1.43 1.55 2.22 6.49 2.910.09
6.99 7.404.80 105.54 1.15 13.91 21.34 11.27 200.70 36.40 0.20 0.14 10.34 0.90 16.97 22.74 0.40 0.416.14 82.66 256.27 10.02 11.34 40.04 5.90 186.51 52.50 3.47 0.65 19.85 0.93 35.38 21.68 1.07 19.98
18.25 0.60 40.9616.65 226.27 1.40 11.67 2.34 20.07 2.19 2.91 1.00 20.00 3.78
17.84 118.20 234.80 11.32 92.56 0.85 81.59 39.91 7.84 0.93 95.06 4.72 7.34 20.6236.14 152.28 239.64 26.11 60.60 36.26 24.37 296.17 103.41 17.56 1.03 82.78 40.10 76.85 61.89 10.87 26.63
42.79 486.12 22.90 7.50 16.99 10.20 9.20 22.002.50 54.94 3.52 8.00 1.39 147.65 5.44 1.05 0.55 4.80 0.61 178.90 17.91 0.090.29 2.53 32.30 1.76 8.18 20.55 3.64 51.45 15.34 0.20 0.15 1.15 1.78 5.99 6.40 13.05 5.24
29.93 36.49 274.66 7.48 4.81 42.40 6.02 66.65 0.64 4.64 8.24 13.09 80.51 7.00 6.62 48.59
25.39 20.61 144.11 1.02 3.50 81.59 5.95 193.51 29.90 9.75 25.15 27.19 10.93 111.07 38.32 2.13 15.45124.26 475.66 2088.04 78.85 152.39 350.63 62.34 1317.98 339.07 48.90 38.27 265.02 58.45 547.67 190.93 41.48 139.92
17.73 24.42 258.31 21.63 85.11 30.57 42.32 136.51 5.43 53.58 0.48 133.98 2.93 20.22 6.8617.83 128.54 483.20 11.49 14.18 89.32 28.26 701.91 111.77 26.40 0.60 72.77 250.81 67.20 0.90 9.70
25.16 0.26 255.76 24.45 15.86 122.44 1.20 25.18 54.20 4.59 15.376.14 72.24 9.11 22.73 112.42 43.16 3.47 0.65 5.38 16.54 1.07 19.98
42.80 488.29 7.36 22.90 5.90 118.15 6.21 29.05 51.365.95 34.29 7.51 80.15
18.28 145.38 287.51 13.74 3.06 102.23 0.83 176.38 17.31 10.84 0.93 95.06 8.55 17.98 13.97 21.862.34 11.62 57.60 1.74 11.20 0.95 25.32 10.94 1.14 0.92 0.31 1.49 17.08 3.01 1.23 2.02
36.79 50.41 242.32 24.63 25.41 35.84 10.55 11.53 11.95 1.63 9.99 14.24 2.29 0.36 78.67 4.09 64.13124.26 475.66 2088.04 78.85 152.39 350.63 62.34 1317.98 339.07 48.90 38.27 265.02 58.45 547.67 190.93 41.48 139.92
26.27 2.75 7.03 4.96 31.58 11.35 47.165.105.95 0.31 22.73 7.51 80.15
0.72 9.60 242.32 0.09 0.74 5.71 0.27 3.99 2.39 1.63 0.66 1.74 0.36 1.26 0.190.72 9.60 242.32 0.09 0.74 5.71 0.27 3.99 2.39 1.63 0.66 1.74 0.36 1.26 0.19
97.27 465.62 1707.75 75.70 149.91 307.66 51.80 1282.19 330.27 47.27 5.85 251.93 58.45 453.16 186.65 41.48 92.5797.27 465.62 1707.75 75.70 149.91 307.66 51.80 1281.69 330.27 47.27 5.85 251.93 58.45 453.16 186.65 41.48 92.57
0.50
0.44 52.50 1.74 7.50 24.29 6.41 0.18 14.00
52.50 7.50 15.00 0.50 14.000.29 6.41
1.74 2.88
0.15 5.91 0.18
74.42 5.32 3.01124.26 475.66 2088.04 78.85 152.39 350.63 62.34 1317.98 339.07 48.90 38.27 265.02 58.45 547.67 190.93 41.48 139.92
55
Statement of Loans and Advancesas on Marg end 2068
Rs. in million
1 Agricultural and Forest Related 2 Fishery Related 3 Mining Related 4 Manufacturing (Producing) Related 5 Construction 6 Electricity,Gas and Water 7 Metal Products, Mach. & Ele. Eqp. 8 Tras., Com. and Public Utilities 9 Wholesaler & Retailer
10 Finance, Insurance and Real Estate 11 Hotel or Restaurant 12 Other Services 13 Consumption Loans 14 Local Government 15 Others
TOTAL
Product wise credit1 Term Loan2 Overdraft3 Trust Receipt Loan / Import Loan4 Demand & Other Working Capital Loan5 Res. Per. H. Loan (Up to Rs. 10 mil.)6 Real Estate Loan7 Margin Nature Loan8 Hire Purchase Loan9 Deprived Sector Loan
10 Bills Purchased11 Other Product
Security wise credit1 Gold and Silver 2 Government Securities 3 Non Governmental Securities 4 Fixed Deposit Receipts
4.1 Own 4.2 Other Licences Institutions
5 Collateral of Properties 5.1 Fixed Assets 5.2 Current Assets
6 Against security of Bill 6.1 Domestic Bills 6.2 Foreign Bills
7 Against Guarantee 7.1 Government Guarantee 7.2 Institutional Guarantee 7.3 Personal Guarantee 7.4 Collective Guarantee 7.5 Int. Rtd. Foreign Bank's Guarantee 7.6 Other Guarantee
8 Credit Card 9 Others
Total
TOTAL LOAN & ADVANCES
Sector wise credit
Sam
abri
ddhi
Ekat
a
Kalin
chow
k
Nep
al
Aaw
as
Nep
al
Fina
nce
NID
C Ca
pita
l
Nar
ayan
i N
atio
nal
AFC
L
NSM
FL
Peop
les
Mer
chan
til
e
Kath
man
du
Him
alay
a
Uni
on
Gor
kha
Pasc
him
anc
hal
NH
MFL
15.71 0.40 0.20 34.80 2.13 80.76 11.06 42.57 17.06 11.07 8.74 9.75 165.26 75.510.40 2.00 0.230.80 2.50 53.81 9.30 2.803.59 0.09 21.79 50.24 184.27 217.96 128.48 116.71 115.67 2.76 104.76 107.545.40 413.90 108.47 87.46 417.45 602.44 1998.92 339.08 2.80 54.60 202.42 273.43 61.78 103.34 256.55
28.56 5.90 27.65 1.50 0.380.60 2.00 16.83 164.16 3.45 65.72 0.08 2.70 6.84
5.07 7.69 5.99 59.11 91.49 843.38 6.11 3.00 24.35 10.47 91.47 32.87 137.86 116.1530.72 1.67 227.94 427.07 301.08 462.95 169.61 124.55 6.83 46.59 383.64 16.66 20.65 262.56 107.28
1.00 193.47 292.75 323.76 503.85 38.94 88.49 59.32 79.27 389.1911.70 38.49 84.70 25.97 212.74 43.06 97.00 10.97 7.50 20.36 36.10
2.19 6.66 9.64 5.60 109.68 113.08 305.55 2.52 35.97 2.80 26.91 80.433.10 5.03 0.11 78.47 191.44 93.21 136.38 126.47 40.24 35.23 107.92 103.95 127.31 35.78 74.21 152.02
33.18 13.279.26 3.78 40.00 130.94 19.74 1020.57 320.36 923.01 32.31 112.82 22.83 157.32 139.01 346.78 147.22
88.94 25.92 0.31 453.90 685.08 1131.35 2636.06 3408.26 4311.93 823.75 69.21 398.19 721.58 992.75 362.54 1335.04 1478.02
8.92 1.19 41.65 115.71 377.51 479.30 267.51 6.54 83.14 269.75 490.43 383.225.27 8.43 723.72
16.97 363.39 212.39 466.43 762.43 112.82 383.64 144.11 157.28 456.0610.51 352.60 37.32 129.39 312.93 541.33 380.31 26.34 45.40 170.92 149.28 47.37 48.61 164.51
71.15 204.18 317.00 322.81 2159.16 463.63 1.60 48.14 31.50 136.19 86.89 57.36 416.7244.60 45.06 126.05 48.87 8.82 67.22 19.24 82.44 56.73 26.35 3.30 63.11
5.81 10.76 0.11 6.09 7.34 113.15 1004.90 304.47 11.08 24.35 10.47 18.70 114.46 32.87 162.41 116.151.91 16.70 17.81 8.07 54.30 69.72 95.94 17.06 1.50 13.27 22.83 21.97 8.99 40.54 21.07
39.56 6.74 0.20 40.00 143.07 402.28 1207.66 320.73 101.81 18.89 35.23 2.52 93.99 100.25 2.80 76.34 313.2388.94 25.92 0.31 453.90 685.08 1131.35 2636.06 3408.26 4311.93 823.75 69.21 398.19 721.58 992.75 362.54 1335.04 1478.02
1.96 6.56
8.82 67.22 19.24 82.44 56.73 26.350.01 40.00 28.30 65.39 79.03 65.06 59.25 12.33 35.23 25.48 81.02 34.64 9.42 22.48 117.320.01 40.00 28.30 65.39 79.03 65.06 59.25 12.33 35.23 25.48 81.02 34.64 9.42 22.48 117.32
88.93 20.19 0.31 413.90 595.05 939.91 2482.71 3287.78 4089.77 792.16 32.63 290.27 617.72 860.65 326.77 1305.99 1287.0188.93 19.19 0.11 413.90 595.05 939.91 2482.71 3287.78 4089.77 792.16 32.63 290.27 617.72 860.65 326.77 1305.99 1287.01
1.00 0.20
0.30 45.45 95.68 0.08 40.74 0.0213.15 33.18 3.25
0.30 15.00 18.3017.30 0.08 19.19
0.02
62.50
3.48 61.73 126.05 74.31 1.16 0.02 1.29 22.83 73.6988.94 25.92 0.31 453.90 685.08 1131.35 2636.06 3408.26 4311.93 823.75 69.21 398.19 721.58 992.75 362.54 1335.04 1478.02
56
Statement of Loans and Advancesas on Marg end 2068
Rs. in million
1 Agricultural and Forest Related 2 Fishery Related 3 Mining Related 4 Manufacturing (Producing) Related 5 Construction 6 Electricity,Gas and Water 7 Metal Products, Mach. & Ele. Eqp. 8 Tras., Com. and Public Utilities 9 Wholesaler & Retailer
10 Finance, Insurance and Real Estate 11 Hotel or Restaurant 12 Other Services 13 Consumption Loans 14 Local Government 15 Others
TOTAL
Product wise credit1 Term Loan2 Overdraft3 Trust Receipt Loan / Import Loan4 Demand & Other Working Capital Loan5 Res. Per. H. Loan (Up to Rs. 10 mil.)6 Real Estate Loan7 Margin Nature Loan8 Hire Purchase Loan9 Deprived Sector Loan
10 Bills Purchased11 Other Product
Security wise credit1 Gold and Silver 2 Government Securities 3 Non Governmental Securities 4 Fixed Deposit Receipts
4.1 Own 4.2 Other Licences Institutions
5 Collateral of Properties 5.1 Fixed Assets 5.2 Current Assets
6 Against security of Bill 6.1 Domestic Bills 6.2 Foreign Bills
7 Against Guarantee 7.1 Government Guarantee 7.2 Institutional Guarantee 7.3 Personal Guarantee 7.4 Collective Guarantee 7.5 Int. Rtd. Foreign Bank's Guarantee 7.6 Other Guarantee
8 Credit Card 9 Others
Total
TOTAL LOAN & ADVANCES
Sector wise credit
Uni
vers
al
Sam
jhan
a
Goo
dwill
Sidd
hart
ha
FC Sri
Inve
stm
ent
Lum
bini
Inve
sta
Yeti
Stan
dard
ILFC
O
Mah
alax
mi
Lalit
pur
Bhaj
urat
na
Uni
ted
Gen
eral
Prog
ress
ive
Alp
ic
Ever
est
36.62 74.95 52.09 5.01 1.92 8.82 5.81 1.00 9.75 2.52 2.79 0.77 5.73 34.472.00 0.67
42.00 1.33 6.39 4.40 4.05 0.00143.93 121.42 189.85 203.75 147.97 696.70 293.81 146.03 4.80 17.72 28.42 25.98 144.99220.95 370.40 112.93 191.95 274.49 3.68 53.49 131.79 82.33 553.89 73.85 39.88 856.96 177.62 13.50 99.92
1.45 106.24 4.850.02 46.21 0.54 10.35 4.40 4.48 148.64 7.22 308.08 0.50 7.35
16.73 107.47 98.56 45.59 174.75 36.10 47.27 583.86 1006.51 189.00 30.42 16.29 55.36 42.66145.47 568.75 374.26 243.32 261.14 197.67 286.74 170.78 306.30 531.78 35.25 13.89 362.86 5.47 48.56136.86 100.74 116.26 73.88 242.71 351.13 25.37 779.78 95.18 70.43 126.80129.59 55.48 183.35 33.01 265.55 12.28 72.82 0.81 9.89
70.61 33.64 17.20 195.38 157.21 47.73 107.65 622.90 32.93 207.44 0.58 30.80 6.60 45.1638.90 67.51 43.60 73.81 47.94 0.89 148.49 21.81 49.55 65.90 173.08 10.72 935.80 21.55 34.30 21.92
4.0243.57 45.79 138.87 0.14 145.34 0.38 168.56 313.62 108.28 437.24 126.28 19.43 71.16 330.18 32.86 134.59
1026.70 1314.73 906.84 1148.88 1580.93 42.97 931.30 2768.96 2853.59 1850.86 1896.27 143.02 2318.44 952.19 251.54 725.85
534.53 540.07 277.59 48.06 457.22 843.10 269.83 531.78 42.57 0.98 19.28
487.90 344.10 866.27 575.84 775.70 271.23 473.60 4.05 53.24 39.19 316.78194.57 265.53 74.46 150.66 68.41 29.08 80.93 50.76 246.99 73.85 606.31 15.14 59.78159.36 293.58 38.47 143.28 311.87 72.26 349.79 590.58 381.65 779.78 39.88 94.49 177.62 28.21 156.60
16.77 45.09 11.78 39.18 4.24 13.51 139.03 30.33 79.27 34.26 8.30 94.52 13.28 26.72 5.5218.51 91.84 98.56 39.26 123.20 116.94 189.60 972.34 199.61 38.55 30.42 1004.89 22.78 56.66 53.4725.17 44.98 25.22 19.49 21.50 23.39 57.01 46.25 37.42 39.95 4.67 52.79 10.44 7.51 27.66
3.9477.80 33.64 170.45 135.32 185.44 42.97 52.22 715.74 49.00 162.50 394.03 17.18 411.22 728.08 58.83 106.03
1026.70 1314.73 906.84 1148.88 1580.93 42.97 931.30 2768.96 2853.59 1850.86 1896.27 143.02 2318.44 952.19 251.54 725.85
39.18 138.24 30.33 34.26 13.03 0.39 13.28 26.8618.63 67.51 43.60 34.62 44.37 49.49 393.21 49.15 65.90 100.27 10.72 115.22 21.55 6.90 10.6118.63 67.51 43.60 34.62 44.37 49.49 393.21 49.11 65.90 100.27 10.72 115.22 21.55 6.90 10.61
0.04970.51 1155.21 863.23 1074.88 1494.73 42.59 868.29 2185.59 2713.18 1672.61 1428.02 119.27 2050.55 917.36 168.18 702.35970.51 1155.21 863.23 1074.88 1494.73 40.67 868.29 2185.59 2713.18 1645.55 892.18 119.27 2050.55 917.36 168.18 702.35
1.92 27.06 535.83
27.57 46.21 0.20 21.50 50.61 15.80 0.30 50.03 22.55 7.379.97 15.25 4.02
21.50 50.61 0.02 48.76 3.000.83 0.20 0.55 0.28 1.27 19.55 3.35
16.77 46.21
10.00 45.79 20.34 0.38 13.51 1.31 45.12 112.05 333.72 102.25 27.04 5.521026.70 1314.73 906.84 1148.88 1580.93 42.97 931.30 2768.96 2853.59 1850.86 1896.27 143.02 2318.44 952.19 251.54 725.85
57
Statement of Loans and Advancesas on Marg end 2068
Rs. in million
1 Agricultural and Forest Related 2 Fishery Related 3 Mining Related 4 Manufacturing (Producing) Related 5 Construction 6 Electricity,Gas and Water 7 Metal Products, Mach. & Ele. Eqp. 8 Tras., Com. and Public Utilities 9 Wholesaler & Retailer
10 Finance, Insurance and Real Estate 11 Hotel or Restaurant 12 Other Services 13 Consumption Loans 14 Local Government 15 Others
TOTAL
Product wise credit1 Term Loan2 Overdraft3 Trust Receipt Loan / Import Loan4 Demand & Other Working Capital Loan5 Res. Per. H. Loan (Up to Rs. 10 mil.)6 Real Estate Loan7 Margin Nature Loan8 Hire Purchase Loan9 Deprived Sector Loan
10 Bills Purchased11 Other Product
Security wise credit1 Gold and Silver 2 Government Securities 3 Non Governmental Securities 4 Fixed Deposit Receipts
4.1 Own 4.2 Other Licences Institutions
5 Collateral of Properties 5.1 Fixed Assets 5.2 Current Assets
6 Against security of Bill 6.1 Domestic Bills 6.2 Foreign Bills
7 Against Guarantee 7.1 Government Guarantee 7.2 Institutional Guarantee 7.3 Personal Guarantee 7.4 Collective Guarantee 7.5 Int. Rtd. Foreign Bank's Guarantee 7.6 Other Guarantee
8 Credit Card 9 Others
Total
TOTAL LOAN & ADVANCES
Sector wise credit
Nav
adur
ga
Jana
ki
Pokh
ara
Cent
ral
Prem
ier
Aru
n
Mul
tipu
rpo
se
Butw
al
Srija
na
Om
CMB
WM
BFL
CMBF
CL
Crys
tal
Roya
l
Guh
eshw
ori
Pata
n
38.99 5.71 32.50 19.40 21.04 28.02 0.55 1.58 390.44 8.59 0.50 7.490.80 0.19
0.25 12.13 30.58 0.30 30.00220.34 66.42 118.64 130.15 160.65 3.90 98.33 12.32 59.67 981.69 264.05 17.61 26.51
18.45 153.67 85.87 126.54 154.35 60.75 20.63 49.68 18.85 163.87 73.40 58.32 23.25 959.73 150.83 226.39 85.352.00 15.57 2.30 0.955.35 4.49 49.93 12.35 36.10 0.66 12.09 16.21 1.00 0.506.33 69.85 72.71 135.55 213.34 197.33 67.68 44.89 26.19 54.68 33.61
253.59 235.67 403.52 727.24 91.67 50.06 14.54 207.02 50.14 1396.98 3.84 83.39 198.39 136.74 0.70 12.09134.91 15.59 206.03 258.09 164.67 185.21 176.63 7.50 273.68 14.13 419.94 85.09 30.73
62.18 19.15 69.70 4.40 20.90 22.60 13.20 7.75 100.60 18.12 3.80 0.4123.02 64.68 65.92 37.74 0.72 0.21 22.64 128.48 12.58 0.87 23.00 39.67 6.80 2.74 16.29 12.8035.74 62.43 10.29 103.68 30.14 11.80 11.71 66.51 10.49 205.50 35.28 51.45 281.85 38.10 49.97 104.75 84.87
1.52 2.18 1.3711.64 34.17 255.90 31.89 128.70 48.27 2.95 97.36 43.87 45.36 246.20 270.06 1023.10 ‐20.32 532.76 227.51 102.71
814.31 653.97 1291.41 1496.92 997.48 225.45 97.41 1158.29 136.49 2186.54 469.88 890.64 3059.77 977.51 1684.63 717.24 363.45
1.50 302.09 209.37 10.83 60.19 51.19 466.59 50.14 1342.66 17.60 194.51 1469.04 703.81 66.34 161.21
646.07 591.86 954.01 385.14 87.52 113.52 91.37 133.21 338.15 40.26 519.36 69.6812.75 153.67 126.54 162.45 48.25 20.63 131.98 45.36 56.43 0.67 13.35 92.81 160.77 48.75
111.68 15.59 291.90 258.09 280.12 12.50 213.32 340.50 36.11 272.22 770.52 207.27 430.28 152.40 32.1818.31 42.86 19.28 9.70 32.31 18.85 3.14 17.33 12.88 14.65 36.48 36.26 61.38
5.81 8.56 69.85 72.71 46.07 7.88 8.31 133.67 5.40 197.33 27.20 58.83 47.93 9.04 47.32 18.80 6.5714.79 15.83 13.43 31.89 20.44 4.76 2.95 37.03 3.56 54.31 12.82 11.59 12.00 17.12 32.46 17.02 5.21
3.803.40 158.22 115.01 23.78 54.84 14.33 29.88 58.54 203.24 211.02 206.74 394.13 459.58 170.78 135.88
814.31 653.97 1291.41 1496.92 997.48 225.45 97.41 1158.29 136.49 2186.54 469.88 890.64 3059.77 977.51 1684.63 717.24 363.45
129.55 4.293.11
18.26 42.86 19.28 3.14 12.58 14.65 36.48 63.5417.49 47.03 9.43 60.81 6.65 3.90 11.71 73.61 5.09 72.81 20.55 25.63 241.25 25.95 13.48 49.68 17.6017.49 47.03 9.43 60.81 6.65 3.90 11.71 73.61 5.09 72.81 20.55 25.63 241.25 25.95 13.48 49.68 17.60
767.18 597.92 1281.98 1393.25 958.71 173.27 85.70 1084.68 24.25 1981.03 419.07 810.92 2790.91 943.38 1586.14 622.32 267.88767.18 597.92 1281.98 1393.25 958.71 173.27 85.70 1084.68 24.25 1981.03 419.07 810.92 2790.91 943.38 1586.14 622.32 267.85
0.03
12.84 0.11 21.93 12.00 34.02 6.002.00
10.00 0.11 8.86 12.00 30.20 2.510.84 13.07 3.82 3.48
11.38 9.03 48.27 107.15 30.16 19.57 0.97 5.07 14.51 45.24 4.15814.31 653.97 1291.41 1496.92 997.48 225.45 97.41 1158.29 136.49 2186.54 469.88 890.64 3059.77 977.51 1684.63 717.24 363.45
58
Statement of Loans and Advancesas on Marg end 2068
Rs. in million
1 Agricultural and Forest Related 2 Fishery Related 3 Mining Related 4 Manufacturing (Producing) Related 5 Construction 6 Electricity,Gas and Water 7 Metal Products, Mach. & Ele. Eqp. 8 Tras., Com. and Public Utilities 9 Wholesaler & Retailer
10 Finance, Insurance and Real Estate 11 Hotel or Restaurant 12 Other Services 13 Consumption Loans 14 Local Government 15 Others
TOTAL
Product wise credit1 Term Loan2 Overdraft3 Trust Receipt Loan / Import Loan4 Demand & Other Working Capital Loan5 Res. Per. H. Loan (Up to Rs. 10 mil.)6 Real Estate Loan7 Margin Nature Loan8 Hire Purchase Loan9 Deprived Sector Loan
10 Bills Purchased11 Other Product
Security wise credit1 Gold and Silver 2 Government Securities 3 Non Governmental Securities 4 Fixed Deposit Receipts
4.1 Own 4.2 Other Licences Institutions
5 Collateral of Properties 5.1 Fixed Assets 5.2 Current Assets
6 Against security of Bill 6.1 Domestic Bills 6.2 Foreign Bills
7 Against Guarantee 7.1 Government Guarantee 7.2 Institutional Guarantee 7.3 Personal Guarantee 7.4 Collective Guarantee 7.5 Int. Rtd. Foreign Bank's Guarantee 7.6 Other Guarantee
8 Credit Card 9 Others
Total
TOTAL LOAN & ADVANCES
Sector wise credit
Few
a
Ever
est
Prud
enti
al
ICFC
IME
Saga
rmat
ha
Shik
har
Civi
l
Prab
hu
Impe
rial
Kube
r
NEF
L
Valle
y
Seti
ham
a
relia
ble
Lord
Bu
ddha
18.56 5.86 12.93 5.95 44.86 53.10 27.29 100.02 1.10 3.60 0.73 5.15 0.852.20 1.57
2.00 6.50 4.9898.32 6.21 40.23 269.04 251.18 40.66 58.84 209.42 67.00 30.20 32.29 16.06 31.63
364.27 55.18 31.90 148.32 375.81 66.17 22.20 12.96 287.17 52.40 76.16 34.51 53.93 4.66 4.60 215.70 54.516.83 1.50 13.80 42.10
18.03 0.05 73.03 33.30 22.34 8.05 7.33 9.50 5.38 6.82496.46 128.37 41.26 21.23 59.30 190.25 7.22 226.61 179.98 52.05 13.86 74.73 49.00 76.03 62.82366.05 0.71 133.19 394.93 560.85 109.24 107.46 1.00 322.59 125.24 118.59 41.10 249.84 74.53 10.68 336.08 72.03
13.37 0.54 197.50 605.37 641.76 95.89 178.49 108.44 1033.10 90.86 372.48 36.10 51.92 133.20 43.98 20.6398.34 36.21 156.39 224.18 6.90 1.30 250.36 0.45 3.35 21.46 2.10 23.2166.57 0.54 76.68 65.54 213.74 51.97 12.30 2.38 186.33 10.00 83.80 10.93 0.92 8.76 70.76 45.84 0.2544.79 13.76 88.75 129.05 190.76 85.78 25.62 13.00 332.39 28.14 89.10 16.65 106.40 5.59 4.82 94.48 11.90
1.30313.57 45.60 389.03 564.89 1155.67 345.40 196.04 78.68 979.05 186.98 335.08 156.12 348.36 27.73 166.46 500.58 137.17
1900.52 258.39 1120.70 2396.01 3747.29 1054.90 636.75 443.08 3901.54 629.13 1128.67 434.17 812.10 142.49 448.43 1312.68 457.10
105.15 37.94 773.91 0.88 153.92 17.68 0.04 39.21 23.07 196.57 319.36 1.69 28.49 3.87 59.35
605.90 1516.32 1236.85 241.30 215.08 283.50 1519.15 358.47 271.92 46.20 238.25 111.79 206.85 270.39 132.48117.93 6.09 62.83 200.69 65.97 8.43 17.46 81.46 38.40 68.84 33.15 44.24 4.66 82.32 28.46200.82 55.18 168.81 487.18 732.47 90.63 192.26 108.48 816.47 92.68 222.28 53.82 61.61 127.70 148.49 31.18
66.20 126.09 101.88 82.80 6.75 11.70 74.19 47.20 25.94 4.10 23.18 11.56 67.10 26.19471.29 128.37 53.67 75.94 61.73 193.32 17.09 9.98 386.58 56.20 39.72 81.02 28.82 3.71 57.99 93.03 62.82
48.00 36.91 16.19 45.80 87.24 26.14 12.85 9.53 96.48 12.19 5.38 9.90 18.14 3.77 10.10 46.26 9.760.06 2.60
351.44 35.83 80.98 1172.51 337.06 184.30 2.38 887.95 23.99 468.93 9.41 78.51 16.86 5.74 601.23 106.851900.52 258.39 1120.70 2396.01 3747.29 1054.90 636.75 443.08 3901.54 629.13 1128.67 434.17 812.10 142.49 448.43 1312.68 457.10
4.89 70.821.15 4.85
66.20 84.30 6.66 23.29 4.10 26.1939.43 20.94 13.35 70.64 41.70 30.53 9.01 8.70 36.61 25.38 37.43 6.26 6.76 3.34 4.82 10.38 13.8239.43 20.94 13.35 70.64 41.70 30.53 9.01 8.70 36.61 25.38 37.43 6.26 6.76 3.34 4.82 10.38 13.82
1861.10 237.23 1024.10 2137.71 3675.59 925.75 595.97 395.70 3491.16 544.36 1053.72 416.51 734.52 139.15 402.76 720.03 407.331861.10 237.23 1024.10 2137.71 3675.59 925.75 595.97 395.70 3491.16 544.36 1053.62 416.51 734.52 139.15 402.76 720.03 407.33
0.100.090.09
0.86 31.53 30.00 9.14 16.37 24.30 190.14 6.01 29.29 9.760.26
5.00 30.00 7.20 30.72 0.81 10.10 9.500.86 23.56 1.94 16.37 17.41 152.76 5.19 19.19
2.97 6.66
6.89
0.22 16.19 154.98 0.34 8.65 14.38 178.75 59.39 8.23 7.30 11.56 582.271900.52 258.39 1120.70 2396.01 3747.29 1054.90 636.75 443.08 3901.54 629.13 1128.67 434.17 812.10 142.49 448.43 1312.68 457.10
59
Statement of Loans and Advancesas on Marg end 2068
Rs. in million
1 Agricultural and Forest Related 2 Fishery Related 3 Mining Related 4 Manufacturing (Producing) Related 5 Construction 6 Electricity,Gas and Water 7 Metal Products, Mach. & Ele. Eqp. 8 Tras., Com. and Public Utilities 9 Wholesaler & Retailer
10 Finance, Insurance and Real Estate 11 Hotel or Restaurant 12 Other Services 13 Consumption Loans 14 Local Government 15 Others
TOTAL
Product wise credit1 Term Loan2 Overdraft3 Trust Receipt Loan / Import Loan4 Demand & Other Working Capital Loan5 Res. Per. H. Loan (Up to Rs. 10 mil.)6 Real Estate Loan7 Margin Nature Loan8 Hire Purchase Loan9 Deprived Sector Loan
10 Bills Purchased11 Other Product
Security wise credit1 Gold and Silver 2 Government Securities 3 Non Governmental Securities 4 Fixed Deposit Receipts
4.1 Own 4.2 Other Licences Institutions
5 Collateral of Properties 5.1 Fixed Assets 5.2 Current Assets
6 Against security of Bill 6.1 Domestic Bills 6.2 Foreign Bills
7 Against Guarantee 7.1 Government Guarantee 7.2 Institutional Guarantee 7.3 Personal Guarantee 7.4 Collective Guarantee 7.5 Int. Rtd. Foreign Bank's Guarantee 7.6 Other Guarantee
8 Credit Card 9 Others
Total
TOTAL LOAN & ADVANCES
Sector wise credit
Swas
tik
Api
Nam
aste
Kask
i
Sury
adar
shan
Zeni
th
Uni
que
Man
jush
ree
Subh
alax
mi
Jebi
ls
Relia
nce
Lotu
s
Baib
hav
Bhak
tapu
r
2.20 19.70 14.99 7.27 8.85 2.97 7.28 2.05 2.800.75
4.00 0.5011.04 1.20 52.68 25.71 64.94 22.74 31.33 22.39 3.20 29.13 13.09 12.18
116.96 63.69 13.71 198.27 71.28 49.24 36.65 83.99 37.05 25.98 139.57 11.40 1.20 13.30
2.00 1.73 9.81 32.28 17.51137.56 3.31 237.24 27.98 16.01 82.13 50.89 61.17 17.30 184.39 3.00
44.60 171.98 8.13 205.75 23.46 75.30 49.22 80.23 53.47 70.26 71.23 69.23 29.50 33.251.36 44.71 48.14 125.35 8.80 75.49 8.85 24.69 37.03 4.30 6.401.13 3.89 4.06 34.61 13.80 6.56 6.49 4.92 2.50 0.80
62.51 8.02 1.23 2.65 81.31 19.34 0.81 27.70 34.50 1.99 3.48 24.41 21.05 1.1035.15 27.74 2.12 11.75 51.88 80.69 8.03 7.94 68.19 47.09 14.49 100.27 4.59 4.07
1.3921.24 108.27 30.68 230.14 92.67 239.34 249.68 218.52 194.27 99.82 118.67 42.54 32.19 13.30
280.46 528.30 67.83 1006.78 432.22 731.51 465.33 631.02 489.42 304.10 620.42 270.27 97.43 80.81
14.27 11.71 121.07 44.89 14.69 1.50 23.48 7.00
49.52 276.34 246.72 101.77 182.91 110.71 343.07 158.58 85.15 87.68 34.40 53.2428.20 52.83 13.58 170.74 51.49 28.72 38.63 12.85 25.78 138.50 1.20 11.8017.69 10.86 1.36 72.24 58.46 122.26 134.12 115.85 64.11 20.69 32.23 11.40 6.4029.03 33.46 66.27 9.47 51.10 46.65 32.02 7.93 12.43 2.8058.63 145.92 3.49 237.24 50.61 29.50 66.69 46.37 61.27 24.54 202.56 88.62 1.74 5.12
5.90 11.19 2.13 19.70 9.61 14.38 9.09 11.87 11.96 6.04 15.42 4.91 0.15
91.49 31.14 33.00 248.43 5.75 271.31 106.53 9.43 134.00 108.39 223.79 41.76 50.74 3.66280.46 528.30 67.83 1006.78 432.22 731.51 465.33 631.02 489.42 304.10 620.42 270.27 97.43 80.81
0.8129.03
33.46 66.276.13 18.57 0.96 11.75 5.75 6.26 8.40 8.68 33.30 5.24 0.75 2.11 0.05 0.466.13 18.57 0.96 11.75 5.75 6.26 8.40 8.68 33.30 5.24 0.75 2.11 0.05 0.46
229.76 508.92 66.78 985.86 382.65 651.10 374.57 546.66 409.50 252.77 585.83 246.83 84.34 80.25229.76 508.92 66.78 985.86 382.65 651.10 374.57 542.76 409.50 252.77 585.83 246.83 84.34 80.25
3.90
11.25 9.18 6.36 7.89 13.97 15.04 17.79 0.101.60 1.74 1.39
4.63 6.50 4.00 12.00 4.3011.25 9.67 3.04 1.35 0.10
7.58 0.30
12.13
4.30 0.10 4.00 82.36 75.68 46.61 32.12 18.81 3.55 13.05280.46 528.30 67.83 1006.78 432.22 731.51 465.33 631.02 489.42 304.10 620.42 270.27 97.43 80.81
60
Mid-Nov Mid-Dec 2009 2010 2011 2011 2011 ColumnColum ColumnColumn
1 2 3 4 5 2/1 3/2 4/3 5/41 CAPITAL FUND 1,939.8 2,174.7 2,408.8 2,638.8 3,359.4 12.1 10.8 9.5 27.3 a. Paid-up Capital 1,098.9 1,272.7 1,546.3 1,386.9 1,266.9 15.8 21.5 (10.3) (8.7) b. Statutory Reserves 148.2 162.9 245.6 258.0 241.1 10.0 50.7 5.1 (6.6)
c. Retained Earning 85.9 125.2 (25.6) 339.2 323.7 45.8 ##### (1426) (4.6)d. Others Reserves 606.9 613.8 642.5 654.7 1,527.7 1.1 4.7 1.9 133.3
2 BORROWINGS 8,972.9 10,753.8 13,037.6 12,245.4 10,860.8 19.8 21.2 (6.1) (11.3) a. NRB 164.0 210.4 200.9 336.0 68.7 28.3 (4.5) 67.3 (79.6)
b. "A"Class Licensed Institution 5,372.8 7,700.0 6,806.6 7,475.9 6,332.1 43.3 (11.6) 9.8 (15.3)c. Foreign Banks and Fin. Ins. 1,523.7 1,713.9 1,680.0 1,680.0 1,680.0 12.5 (2.0) (0.0) 0.0d. Other Financial Ins. 1,912.5 1,129.5 4,350.2 2,753.5 2,780.0 (40.9) 285.1 (36.7) 1.0e. Bonds and Securities 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
3 DEPOSITS 2,000.6 2,574.3 3,537.4 3,830.1 3,422.2 28.7 37.4 8.3 (10.7)a. Current 0.0 2.7 0.9 340.1 54.7 0.0 (67.2) 38115 (83.9)b. Savings 1,219.1 1,517.0 3,535.9 3,351.5 3,240.1 24.4 133.1 (5.2) (3.3)c. Fixed 5.7 9.1 0.0 19.1 3.6 61.3 ##### 0.0 (81.3)d. Call Deposits 0.3 0.0 0.0 0.0 0.0 (100.0) 0.0 0.0 0.0e. Others 775.6 1,045.5 0.6 119.4 123.8 34.8 (99.9) 21364 3.7
4 Bills Payable 79.8 0.0 0.0 0.0 0.0 (100.0) 0.0 0.0 0.05 Other Liabilities 2,135.5 1,415.5 1,818.6 1,851.6 1,564.2 (33.7) 28.5 1.8 (15.5)
1. Loan Loss Provision 362.4 388.8 436.3 427.5 306.6 7.3 12.2 (2.0) (28.3)2. Interest Suspense a/c 159.5 275.4 354.0 218.1 164.6 72.7 28.5 (38.4) (24.5)3. Others 1,613.6 751.3 1,028.4 1,206.0 1,093.0 (53.4) 36.9 17.3 (9.4)
6 Reconcillation A/c 117.0 1,726.4 223.2 2,409.2 2,052.5 ###### (87.1) 979.4 (14.8)7 Profit & Loss A/c 193.1 277.4 470.7 206.7 245.6 43.6 69.7 (56.1) 18.8
15,438.8 18,922.1 21,496.4 23,181.8 21,504.7 22.6 13.6 7.8 (7.2)
1 LIQUID FUNDS 2,855.1 2,172.8 3,272.2 3,524.9 2,989.8 (23.9) 50.6 7.7 (15.2)a. Cash Balance 50.7 24.9 31.8 26.6 18.8 (50.8) 27.5 (16.3) (29.2) Nepalese Notes & Coins 50.7 24.9 31.8 26.6 18.8 (50.8) 27.5 (16.3) (29.2) Foreign Currency 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0b. Bank Balance 2,539.1 1,691.9 2,632.4 2,618.4 2,178.3 (33.4) 55.6 (0.5) (16.8) 1. In Nepal Rastra Bank 80.9 93.5 71.1 60.0 68.0 15.6 (24.0) (15.6) 13.4 2. "A"Class Licensed Institution 2,002.3 1,081.8 1,885.0 2,014.6 1,552.3 (46.0) 74.3 6.9 (23.0) 3. Other Financial Ins. 456.0 516.6 676.3 543.8 558.0 13.3 30.9 (19.6) 2.6 4. In Foreign banks 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0c. Money at Call 265.2 456.0 608.1 879.9 792.6 71.9 33.4 44.7 (9.9)
2 INVESTMENTS 66.2 111.2 164.7 51.2 51.2 68.0 48.1 (68.9) 0.0a. Govt.Securities 51.2 111.2 51.2 51.2 51.2 117.1 (53.9) 0.0 0.0b Others 15.0 0.0 113.5 0.0 0.0 (100.0) 0.0 (100.0) 0.0
3 SHARE & OTHER INVESTMEN 2,002.0 2,424.6 1,560.5 1,563.7 1,554.9 21.1 (35.6) 0.2 (0.6)4 LOANS & ADVANCES 8,222.8 11,117.0 14,649.9 14,336.5 12,952.7 35.2 31.8 (2.1) (9.7)
a. Private Sector 1,500.1 0.0 8,464.0 6,740.4 5,284.3 (100.0) 0.0 (20.4) (21.6)b. Financial Institutions 257.1 0.0 6,185.9 7,596.1 7,668.4 (100.0) 0.0 22.8 1.0c. Government Organizations 6,465.5 11,117.0 0.0 0.0 0.0 71.9 ##### 0.0 0.0
5 BILL PURCHED 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.06 LOANS AGT. COLLECTED BILLS 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.07 FIXED ASSETS 183.0 225.5 259.3 257.0 241.1 23.2 15.0 (0.9) (6.2)8 OTHER ASSETS 1,723.4 907.8 1,253.2 1,125.9 927.6 (47.3) 38.0 (10.2) (17.6)
a. Accrued Interests 189.5 313.7 359.1 192.1 209.9 65.5 14.5 (46.5) 9.3 b. Others 1,533.8 594.1 894.1 933.8 717.7 (61.3) 50.5 4.4 (23.1)
9 Expenses not Written off 5.7 1.5 1.1 2.0 1.1 (73.4) (28.8) 89.3 (47.1)10 Non Banking Assets 0.0 0.0 0.0 143.6 143.6 0.0 0.0 0.0 0.011 Reconcillation Account 101.2 1,712.1 253.0 2,135.3 2,633.1 ###### (85.2) 743.9 23.312 Profit & Loss A/c 279.4 249.7 82.5 41.6 9.6 (10.6) (67.0) (49.5) (76.9)
15,438.8 18,922.2 21,496.4 23,181.8 21,504.6 22.6 13.6 7.8 (7.2)
Major Financial Indicators
TotalAssets
USES OF FUNDS
Statement of Assets and Liabilities of Micro-credit Development Banks (Aggregate)Rs in million
Liabilities Mid July Percentage changes
61
Statement of Assets and Liabilities of Micro‐credit Development Banksas on Marg end, 2068
Rs. in million
Liabilities
PUG
BB
SPG
BB
PAG
BB
MPG
BB
MG
BB
NIR
DH
AN
RMD
C
DIP
ROSC
CHH
IMEK
Swab
alam
ban
Sana
kisa
n
NER
UD
E
Nay
a N
epal
Sum
mit
Swor
ojga
r
1 CAPITAL FUND 59.91 284.72 885.27 158.52 207.47 1097.68 399.27 74.86 13.03 20.85 11.53 a. Paid‐up Capital 58.50 192.46 320.00 106.14 126.02 118.98 128.79 40.00 14.00 17.50 10.99
b. Calls in Advance c. General Reserves 1.41 32.56 75.13 25.77 39.70 36.48 14.91 12.48 ‐0.97 0.80 0.22
d. Share Premium 0.51 3.04 1.38 868.76e. Retained Earning 6.06 179.12 21.23 39.81 21.61 39.99 2.91 2.42 0.31f. Others Reserves Fund 53.13 311.02 2.34 0.56 51.84 215.58 19.47 0.14g. Exchange Fluctuation Fund 0.00
2 BORROWINGS 193.76 1757.32 2393.46 781.58 1158.24 976.38 2224.68 461.17 79.33 64.88 94.22 a. NRB 16.45 4.13 12.98 14.31 20.84
b. "A"Class Licensed Institution 177.31 1753.19 527.38 588.92 785.04 976.38 1063.51 248.15 6.50 23.92 23.86c. Foreign Banks and Fin. Ins. 1679.95d. Other Financial Ins. 186.13 179.67 358.89 1140.33 213.02 72.83 40.96 70.36e. Bonds and Securities
3 DEPOSITS 50.87 733.01 263.97 1172.23 835.96 260.37 18.29 30.18 27.17a. Current 54.68 Domestic 54.68 Foreignb. Savings 50.87 730.91 123.01 1170.74 835.96 260.37 18.29 30.18 Domestic 50.87 730.91 123.01 1170.74 835.96 260.37 18.29 30.18 Foreignc. Fixed 2.10 1.48 Domestic 2.10 1.48 Foreignd. Call Depositse. Others 86.28 27.17
4 Bills Payable5 Other Liabilities 178.40 263.25 243.71 96.21 174.01 259.18 250.68 50.85 2.87 5.43 7.56
1. Sundry Creditors 1.44 13.31 6.29 61.92 13.08 8.37 47.74 0.72 0.35 0.12 0.02 2. Loan Loss Provision 22.33 55.92 86.73 20.94 20.36 32.76 47.17 9.43 1.60 0.32 1.21 3. Interest Suspense a/c 100.32 15.85 30.61 4.66 9.44 0.56 2.36 4. Others 54.32 178.17 120.08 8.69 140.58 208.61 155.21 38.34 0.91 4.99 6.33
6 Reconcillation A/c 118.78 1506.12 0.67 341.59 0.01 82.027 Profit & Loss A/c 24.73 49.24 48.07 43.86 30.89 29.99 8.50 1.90 2.07 ‐0.79
601.72 3063.02 3571.68 1348.35 4261.93 3200.08 2905.29 1197.33 115.43 205.44 139.70
Assets1 LIQUID FUNDS 4.90 533.62 307.57 173.19 613.98 220.59 512.55 180.52 39.38 10.98 30.34
a. Cash Balance 2.02 5.08 0.01 1.56 1.36 3.18 0.58 2.11 0.10 0.85 0.11 Nepalese Notes & Coins 2.02 5.08 0.01 1.56 1.36 3.18 0.58 2.11 0.10 0.85 0.11 Foreign Currencyb. Bank Balance 2.88 39.08 307.57 32.95 612.62 91.72 511.97 178.40 1.10 9.52 30.23 1. In Nepal Rastra Bank 0.57 14.86 15.70 9.00 12.00 4.30 0.80 Domestic Currency 0.57 14.86 15.70 9.00 12.00 4.30 0.80 Foreign Currency 2. "A"Class Licensed Institution 24.22 231.18 22.49 508.28 46.79 492.69 103.30 0.30 3.60 2.02 Domestic Currency 24.22 231.18 22.49 508.28 46.79 492.69 103.30 0.30 3.60 2.02 Foreign Currency 0.00 3. Other Financial Ins. 2.31 60.68 10.46 104.34 35.92 7.28 70.81 5.92 28.20 4. In Foreign Banksc. Money at Call 489.47 138.68 125.69 38.18 0.61 Domestic Currency 489.47 138.68 125.69 38.18 0.61 Foreign Currency
2 INVESTMENT IN SECURITIES 38.73 12.50a. Govt.Securities 38.73 12.50b. NRB Bond c. Govt.Non‐Fin. Ins. d. Other Non‐Fin Ins.e Non Residents
3 SHARE & OTHER INVESTMENT 28.30 78.90 1010.63 5.00 13.84 217.61 136.53 50.00 14.00 a. Non Residents b. Others 28.30 78.90 1010.63 5.00 13.84 217.61 136.53 50.00 14.00
4 LOANS & ADVANCES 156.75 2161.85 2116.98 1097.57 1890.96 1941.11 2209.40 603.97 60.51 110.35 104.27 a. Private Sector 156.75 2161.85 1941.11 603.97 60.51 110.35 104.27 b. Financial Institutions 2116.98 1097.57 1890.96 2209.40 c. Government Organizations
5 BILL PURCHASED a. Domestic Bills Purchased b. Foreign Bills Purchased c. Import Bills & Imports
6 LOANS AGAINST COLLECTED BILLS a. Against Domestic Bills b. Against Foreign Bills
7 FIXED ASSETS 1.89 92.92 2.57 12.51 74.81 19.25 10.78 9.74 0.86 1.69 2.398 OTHER ASSETS 140.99 157.60 121.43 53.01 162.22 225.00 36.04 11.53 0.56 0.24 2.70
a. Accrued Interest: 100.65 24.65 44.66 4.66 9.28 14.89 0.56 2.36 0.50 b. Staff Loans / Adv. 38.79 90.62 5.04 43.53 104.19 59.18 1.34 6.00 0.10 1.74 c. Sundry Debtors 0.33 17.53 0.31 3.09 45.41 120.54 17.54 0.54 0.14 0.04 d. Cash In Transit 0.78 0.00 10.02 e. Others 0.45 24.79 71.41 1.73 3.34 30.40 6.58 2.63 0.32 0.24 0.43
9 Expenses not Written off 0.08 0.13 0.1610 Non Banking Assets 143.5911 Reconcillation Account 117.10 ‐0.67 7.08 1506.12 576.52 341.58 82.0212 Profit & Loss A/c 8.20
601.72 3063.02 3571.68 1348.35 4261.93 3200.08 2905.29 1197.33 115.43 205.44 139.70
TOTAL LIABILITIES
TOTAL ASSETS
62
Statement of Assets and Liabilities of Micro‐credit Development Banksas on Marg end, 2068
Rs. in million
Liabilities
1 CAPITAL FUND a. Paid‐up Capital
b. Calls in Advance c. General Reserves
d. Share Premiume. Retained Earningf. Others Reserves Fundg. Exchange Fluctuation Fund
2 BORROWINGS a. NRB
b. "A"Class Licensed Institutionc. Foreign Banks and Fin. Ins.d. Other Financial Ins.e. Bonds and Securities
3 DEPOSITSa. Current Domestic Foreignb. Savings Domestic Foreignc. Fixed Domestic Foreignd. Call Depositse. Others
4 Bills Payable5 Other Liabilities
1. Sundry Creditors 2. Loan Loss Provision 3. Interest Suspense a/c 4. Others
6 Reconcillation A/c7 Profit & Loss A/c
Assets1 LIQUID FUNDS
a. Cash Balance Nepalese Notes & Coins Foreign Currencyb. Bank Balance 1. In Nepal Rastra Bank Domestic Currency Foreign Currency 2. "A"Class Licensed Institution Domestic Currency Foreign Currency 3. Other Financial Ins. 4. In Foreign Banksc. Money at Call Domestic Currency Foreign Currency
2 INVESTMENT IN SECURITIESa. Govt.Securities b. NRB Bond c. Govt.Non‐Fin. Ins. d. Other Non‐Fin Ins.e Non Residents
3 SHARE & OTHER INVESTMENT a. Non Residents b. Others
4 LOANS & ADVANCES a. Private Sector b. Financial Institutions c. Government Organizations
5 BILL PURCHASED a. Domestic Bills Purchased b. Foreign Bills Purchased c. Import Bills & Imports
6 LOANS AGAINST COLLECTED BILLS a. Against Domestic Bills b. Against Foreign Bills
7 FIXED ASSETS8 OTHER ASSETS
a. Accrued Interest: b. Staff Loans / Adv. c. Sundry Debtors d. Cash In Transit e. Others
9 Expenses not Written off10 Non Banking Assets11 Reconcillation Account12 Profit & Loss A/c
TOTAL LIABILITIES
TOTAL ASSETS
Firs
t
Nag
beli
Kalik
a
Mir
mir
e
Jana
utth
an
Mit
hila
Total
81.10 10.47 11.72 14.00 11.00 18.01 3,359.40 70.00 10.01 12.00 14.00 11.00 16.50 1,266.89
‐ 2.22 0.04 0.31 241.06
‐0.28 873.42 8.88 0.17 1.20 323.70
0.24 654.33 0.00
589.67 34.92 18.39 21.00 4.54 7.23 10,860.78 68.71
134.37 20.75 1.00 1.84 6,332.13 1,679.95
455.30 14.17 18.39 20.00 2.70 7.23 2,779.98 ‐
9.67 11.28 0.94 3.80 4.43 3,422.17 54.68 54.68 ‐
11.28 0.94 3.80 3.74 3,240.09 11.28 0.94 3.80 3.74 3,240.09
‐ 3.58 3.58 ‐ ‐
9.67 0.69 123.82 ‐
22.79 1.28 1.02 0.51 1.55 4.90 1,564.19 0.02 0.29 1.50 155.18 3.86 0.52 0.40 1.31 1.69 306.55 0.00 0.80 164.61
18.90 0.76 0.62 0.21 0.24 0.91 937.85 3.30 2,052.49
4.68 0.84 0.82 0.28 0.56 245.63 698.23 57.18 43.22 40.03 20.89 35.14 21,504.65
327.07 5.32 3.09 22.05 1.80 2.82 2,989.76 0.63 1.08 0.00 0.05 0.14 18.84 0.63 1.08 0.00 0.05 0.14 18.84
‐ 327.07 4.70 2.01 22.05 1.74 2.68 2,178.29
10.78 68.01 10.78 68.01
‐ 112.73 0.99 1.10 1.15 0.34 1.06 1,552.26 112.73 0.99 1.10 1.15 0.34 1.06 1,552.25
0.00 203.56 3.70 0.91 20.90 1.40 1.62 558.03
‐ 792.62 792.62
‐ 51.23 51.23 ‐ ‐ ‐ ‐
0.09 1,554.89 ‐
0.09 1,554.89 353.49 49.97 37.79 12.59 16.51 28.63 12,952.69
49.97 37.79 12.59 16.51 28.63 5,284.30 353.49 7,668.40
‐ ‐ ‐ ‐ ‐ ‐ ‐ ‐
6.37 1.54 1.40 0.75 1.00 0.63 241.10 11.30 0.34 0.29 1.29 0.09 2.99 927.61
6.68 0.23 0.80 209.93 0.03 0.02 0.01 0.21 350.78
0.16 0.59 0.03 1.61 207.86 10.80
4.58 0.17 0.29 0.45 0.05 0.37 148.24 0.64 0.08 1.08
143.59 3.34 2,633.09
1.41 9.61 698.23 57.18 43.22 40.03 20.89 35.14 21,504.65
63
Profit and Loss Account of Micro‐credit Development Banksas on Marg end, 2068
Rs. in million
Expenses
PUG
BB
SPG
BB
PAG
BB
MPG
BB
MG
BB
NIR
DH
AN
RMD
C
DIP
ROSC
CHH
IMEK
1 Interest Expenses 4.57 87.80 27.98 17.71 97.07 1.1 Deposit Liabilities 0.15 19.52 0.01 49.62 1.1.1 Saving A/c 0.15 19.44 0.01 49.62 1.1.2 Fixed A/c 0.07 1.1.2.1 Upto 3 Months Fixed A/c 1.1.2.2 3 to 6 Months fixed A/c 1.1.2.3 6 Months to 1 Year Fixed A/c 0.07 1.1.2.4 Above 1 Year 1.1.3 Call Deposit 1.1.4 Certificate of Deposits 1.2 Others 4.42 68.28 27.98 17.70 47.45 2 Commission/Fee Expense 3 Employees Expenses 10.49 76.85 7.57 24.37 42.71 4 Office Operatiing Expenses 1.66 16.41 1.92 8.03 18.57 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 7. Provision for Risk 0.37 3.65 5.30 1.93 7.1 Loan loss Provision 0.37 3.65 5.30 1.93
7.1.1 General Loan loss Provision 1.57 5.30 1.75 7.1.2 Special Loan Loss Provision 0.37 2.08 0.18 7.1.3 Additional Loan Loss Provision
7.2. Provision for Non‐Banking Assets 7.3. Provision for Loss on Investment 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus 5.8310 Provision for Income Tax 17.5011 Others12 Net Profit 24.73 49.24 48.07 43.86
TOTAL EXPENSES 17.08 209.44 110.05 103.47 204.14
Income 1. Interest Income 8.40 181.88 103.65 97.11 152.40 1.1. On Loans and Advance 6.52 165.51 49.34 94.51 152.30 1.2. On Investment 0.92 1.05 0.35 1.2.1 Government Bonds 0.35 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 1.05 1.2.4 Deventure & Bonds 0.92 1.3 Agency Balance 1.4 On Call Deposit 15.32 8.50 2.18 1.5 Others 0.95 45.46 0.42 0.10 2. Comission & Discount 0.31 6.09 2.09 2.1 Bills Purchase & Discount 2.2 Comission 0.83 2.3 Others 0.31 6.09 1.25 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans. 4 Other Operating Income 16.66 3.49 0.27 48.98 5 Non Operating Income 10.90 6 Provision Written Back 0.18 2.91 0.68 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss 8.20
TOTAL INCOME 17.08 209.44 110.05 103.47 204.14
64
Profit and Loss Account of Micro‐credit Development Banksas on Marg end, 2068
Rs. in million
Expenses
1 Interest Expenses 1.1 Deposit Liabilities 1.1.1 Saving A/c 1.1.2 Fixed A/c 1.1.2.1 Upto 3 Months Fixed A/c 1.1.2.2 3 to 6 Months fixed A/c 1.1.2.3 6 Months to 1 Year Fixed A/c 1.1.2.4 Above 1 Year 1.1.3 Call Deposit 1.1.4 Certificate of Deposits 1.2 Others 2 Commission/Fee Expense 3 Employees Expenses 4 Office Operatiing Expenses 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 7. Provision for Risk 7.1 Loan loss Provision
7.1.1 General Loan loss Provision 7.1.2 Special Loan Loss Provision 7.1.3 Additional Loan Loss Provision
7.2. Provision for Non‐Banking Assets 7.3. Provision for Loss on Investment 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus10 Provision for Income Tax11 Others12 Net Profit
TOTAL EXPENSES
Income 1. Interest Income 1.1. On Loans and Advance 1.2. On Investment 1.2.1 Government Bonds 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 1.2.4 Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 1.5 Others 2. Comission & Discount 2.1 Bills Purchase & Discount 2.2 Comission 2.3 Others 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans. 4 Other Operating Income 5 Non Operating Income 6 Provision Written Back 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss
TOTAL INCOME
Swab
alam
ban
Sana
kisa
n
NER
UD
E
Nay
a N
epal
Sum
mit
Swor
ojga
r
Firs
t
Nag
beli
Kalik
a
65.04 41.09 25.20 2.71 4.68 5.69 22.32 1.70 1.0827.83 8.77 0.32 0.82 0.94 0.26 0.1527.83 8.77 0.32 0.82 0.94 0.26 0.15
37.20 41.09 16.44 2.40 3.86 4.75 22.32 1.43 0.938.44 0.00
85.13 6.10 25.63 1.46 2.96 1.74 1.43 0.89 0.8616.85 3.05 3.79 0.46 1.18 3.33 1.62 0.88 0.74
‐9.11 3.06 1.92 0.21 0.07 0.55 0.55 0.15 0.09‐9.11 3.06 1.92 0.21 0.07 0.51 0.55 0.15 0.09‐9.11 3.06 0.59 0.08 0.04 0.34 0.55 0.15 0.09
1.33 0.13 0.03 0.17
0.04
4.20 4.29 0.6712.59 12.85 2.00
30.89 29.99 8.49 1.90 2.07 ‐0.79 4.68 0.84 0.82205.59 108.88 65.04 6.74 10.95 10.51 33.27 4.46 3.59
202.82 107.67 57.72 5.33 8.61 9.51 31.00 3.93 2.80187.05 92.98 57.06 4.29 8.61 8.00 18.13 3.93 2.75
1.0515.65 11.09 1.50 12.87 0.05
0.11 3.61 0.65 0.010.09 0.08
0.01 0.080.08
2.77 7.32 1.40 2.34 0.89 2.27 0.52 0.71
1.12 0.12
205.59 108.88 65.04 6.74 10.95 10.51 33.27 4.46 3.59
65
Profit and Loss Account of Micro‐credit Development Banksas on Marg end, 2068
Rs. in million
Expenses
1 Interest Expenses 1.1 Deposit Liabilities 1.1.1 Saving A/c 1.1.2 Fixed A/c 1.1.2.1 Upto 3 Months Fixed A/c 1.1.2.2 3 to 6 Months fixed A/c 1.1.2.3 6 Months to 1 Year Fixed A/c 1.1.2.4 Above 1 Year 1.1.3 Call Deposit 1.1.4 Certificate of Deposits 1.2 Others 2 Commission/Fee Expense 3 Employees Expenses 4 Office Operatiing Expenses 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 7. Provision for Risk 7.1 Loan loss Provision
7.1.1 General Loan loss Provision 7.1.2 Special Loan Loss Provision 7.1.3 Additional Loan Loss Provision
7.2. Provision for Non‐Banking Assets 7.3. Provision for Loss on Investment 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus10 Provision for Income Tax11 Others12 Net Profit
TOTAL EXPENSES
Income 1. Interest Income 1.1. On Loans and Advance 1.2. On Investment 1.2.1 Government Bonds 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 1.2.4 Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 1.5 Others 2. Comission & Discount 2.1 Bills Purchase & Discount 2.2 Comission 2.3 Others 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans. 4 Other Operating Income 5 Non Operating Income 6 Provision Written Back 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss
TOTAL INCOME
Mirm
ire
Jana
utth
an
Mith
ila
Total
0.27 0.21 0.51 405.620.00 0.06 0.12 108.550.00 0.06 0.12 108.48
0.07
0.07
0.27 0.15 0.39 297.068.45
1.80 0.39 0.79 291.170.37 0.41 79.26
1.31 0.09 10.141.31 0.09 10.100.15 0.09 4.651.16 5.45
0.04
14.990.24 45.20
0.28 0.56 245.632.34 2.28 2.61 1100.43
2.15 0.88 2.17 978.040.59 0.82 1.99 854.40
2.320.35
1.050.921.05
1.56 0.06 68.780.18 51.50
0.20 8.85
0.910.20 7.93
0.26 0.44 88.3210.90
5.00
1.13 9.342.34 2.28 2.61 1100.43
66
Progress Report of Micro‐credit Development Banksas on Marg end, 2068
PUGBB SPGBB PAGBB MPGBB MGBB NIRDHAN
D D D D D D
1 sfo{If]q ePsf] lhNnf ;+Vof ‐ 9 ‐ ‐ ‐ 37 2 ;]jf k'u]sf] lhNnf ;++Vof ‐ 8 ‐ ‐ ‐ 37
3 ;]jf k'u]sf] uf=lj=;=÷g=kf= ;++Vof ‐ 93 ‐ ‐ ‐ 880 4 s'n sd{rf/L ;+Vof ‐ 92 ‐ ‐ ‐ 465 5 s'n zfvf ;+Vof ‐ 21 ‐ ‐ ‐ 92 6 s'n s]Gb| ;+Vof ‐ 596 ‐ ‐ ‐ 6,510 7 s'n ;d"x ;+Vof ‐ 3,128 ‐ ‐ ‐ 26,855 8 lgliqmo ;d"x ;+Vof ‐ 1,815 ‐ ‐ ‐ ‐ 9 s'n ;b:o ;+Vof ‐ 12,433 ‐ ‐ ‐ 158,245 10 lgliqmo ;b:o ;+Vof ‐ 5,016 ‐ ‐ ‐ ‐ 11 s'n C0fL ;+Vof ‐ 10,491 ‐ ‐ ‐ 103,418 12 s'n shf{ ljt/0f ‐ 1,592.6 ‐ ‐ ‐ 13,646.4 12 n3' Joj;fo shf{ ‐ 1,191.6 ‐ ‐ ‐ 12,501.7 12 n3' pBd÷lwtf] shf{ ‐ 282.1 ‐ ‐ ‐ 540.1 12 cGo shf{ ‐ 118.8 ‐ ‐ ‐ 604.6 13 shf{sf] ;fFjf c;'nL ‐ 1,435.8 ‐ ‐ ‐ 11,484.5
13 n3' Joj;fo shf{sf] ;fFjf c;'nL ‐ 1,109.9 ‐ ‐ ‐ 10,585.3
13 n3' pBd÷lwtf] shf{sf] ;fFjf c;'nL ‐ 208.6 ‐ ‐ ‐ 397.0 13 cGo shf{sf] ;fFjf c;'nL ‐ 117.4 ‐ ‐ ‐ 502.2 14 s'n afFsL shf{ ‐ 156.8 ‐ ‐ ‐ 2,161.8 14 n3' Joj;fo shf{ aFfsL ‐ 81.8 ‐ ‐ ‐ 1,916.4 14 n3' pBd÷lwtf] shf{ aFfsL ‐ 73.6 ‐ ‐ ‐ 143.0 14 cGo shf{ aFfsL ‐ 1.4 ‐ ‐ ‐ 102.4 15 efvf gf3]sf] shf{ /sd ‐ 48.2 ‐ ‐ ‐ 35.6 16 efvf gf3]sf] C0fL ;+Vof ‐ 3,216 ‐ ‐ ‐ 4,676 17 Aofh c;'nL /sd ‐ 37.2 ‐ ‐ ‐ 497.9 18 c;'n x'g afFsL Aofh /sd ‐ 100.3 ‐ ‐ ‐ ‐ 19 shf{ gf]S;fgL Aoj:yf ‐ 22.3 ‐ ‐ ‐ 9.3 20 s'n artstf{ ;+Vof ‐ 13,510 ‐ ‐ ‐ 153,253 21 s'n art /sd ‐ 50.9 ‐ ‐ ‐ 733.0 21 clgjfo{ art ‐ 29.7 ‐ ‐ ‐ 409.7 21 :j]lR5s art ‐ 19.3 ‐ ‐ ‐ 187.1 21 cGo art ‐ 1.8 ‐ ‐ ‐ 84.1
21 ;j{;fwf/0fjf6 ;+sng u/]sf] art ‐ ‐ ‐ ‐ ‐ 52.2 22 s'n jrt÷s'n shf{ -℅_ 32.5% 33.9%23 n3' pBd shf{÷s'n shf{ -℅_ 46.9% 6.6%
ljj/0f
67
Progress Report of Micro‐credit Development Banksas on Marg end, 2068
1 sfo{If]q ePsf] lhNnf ;+Vof2 ;]jf k'u]sf] lhNnf ;++Vof
3 ;]jf k'u]sf] uf=lj=;=÷g=kf= ;++Vof
4 s'n sd{rf/L ;+Vof5 s'n zfvf ;+Vof6 s'n s]Gb| ;+Vof7 s'n ;d"x ;+Vof8 lgliqmo ;d"x ;+Vof9 s'n ;b:o ;+Vof10 lgliqmo ;b:o ;+Vof11 s'n C0fL ;+Vof12 s'n shf{ ljt/0f12 n3' Joj;fo shf{ 12 n3' pBd÷lwtf] shf{ 12 cGo shf{13 shf{sf] ;fFjf c;'nL
13 n3' Joj;fo shf{sf] ;fFjf c;'nL
13 n3' pBd÷lwtf] shf{sf] ;fFjf c;'nL
13 cGo shf{sf] ;fFjf c;'nL14 s'n afFsL shf{14 n3' Joj;fo shf{ aFfsL14 n3' pBd÷lwtf] shf{ aFfsL14 cGo shf{ aFfsL15 efvf gf3]sf] shf{ /sd16 efvf gf3]sf] C0fL ;+Vof 17 Aofh c;'nL /sd18 c;'n x'g afFsL Aofh /sd19 shf{ gf]S;fgL Aoj:yf20 s'n artstf{ ;+Vof21 s'n art /sd21 clgjfo{ art21 :j]lR5s art21 cGo art21 ;j{;fwf/0fjf6 ;+sng u/]sf] art
22 s'n jrt÷s'n shf{ -℅_
23 n3' pBd shf{÷s'n shf{ -℅_
ljj/0fRMDC DIPROSC CHHIMEK Swabalamban Sanakisan
D D D D D
75 25 30 38 75
67 25 29 38 41
‐ 512 632 771 326
23 192 400 561 48
‐ 51 55 96 8
‐ 3,442 6,801 6,094 ‐
‐ 13,604 27,022 32,701 29,017
‐ ‐ 34 ‐ 3,205
‐ 65,917 138,193 155,315 193,777
‐ 708 1,305 ‐ 15,175
70 50,456 107,103 110,263 122,261
6,251.5 5,282.1 10,942.2 13,993.0 8,584.4
‐ 4,749.6 10,477.7 13,893.1 8,584.4
‐ 501.2 263.7 99.9 ‐
6,251.5 31.3 200.8 ‐ ‐
4,134.5 4,184.5 9,051.3 12,051.9 6,350.4
‐ 3,752.7 8,742.1 11,989.5 6,350.4
‐ 401.0 144.8 62.4 ‐
4,134.5 30.8 164.4 ‐ ‐
2,117.0 1,097.6 1,891.0 1,941.1 2,209.4
‐ 996.9 1,735.7 1,903.6 2,209.4
‐ 100.2 118.9 37.5 ‐
2,117.0 0.5 36.4 ‐ ‐
‐ 6.0 1.6 16.7 24.9
‐ 708 149 2,783 11
49.3 95.5 152.3 445.3 1,043.7
‐ 4.7 1.3 14.9 0.6
86.7 20.9 20.4 32.8 47.2
‐ 65,917 138,193 155,315 ‐
‐ 264.0 1,172.2 836.0 ‐
‐ 123.0 361.4 330.2 ‐
‐ 54.7 282.3 492.8 ‐
‐ 86.3 481.0 13.0 ‐
‐ ‐ 47.5 ‐ ‐
24.1% 62.0% 43.1%
9.1% 6.3% 1.9%
68
Progress Report of Micro‐credit Development Banksas on Marg end, 2068
1 sfo{If]q ePsf] lhNnf ;+Vof2 ;]jf k'u]sf] lhNnf ;++Vof
3 ;]jf k'u]sf] uf=lj=;=÷g=kf= ;++Vof
4 s'n sd{rf/L ;+Vof5 s'n zfvf ;+Vof6 s'n s]Gb| ;+Vof7 s'n ;d"x ;+Vof8 lgliqmo ;d"x ;+Vof9 s'n ;b:o ;+Vof10 lgliqmo ;b:o ;+Vof11 s'n C0fL ;+Vof12 s'n shf{ ljt/0f12 n3' Joj;fo shf{ 12 n3' pBd÷lwtf] shf{ 12 cGo shf{13 shf{sf] ;fFjf c;'nL
13 n3' Joj;fo shf{sf] ;fFjf c;'nL
13 n3' pBd÷lwtf] shf{sf] ;fFjf c;'nL
13 cGo shf{sf] ;fFjf c;'nL14 s'n afFsL shf{14 n3' Joj;fo shf{ aFfsL14 n3' pBd÷lwtf] shf{ aFfsL14 cGo shf{ aFfsL15 efvf gf3]sf] shf{ /sd16 efvf gf3]sf] C0fL ;+Vof 17 Aofh c;'nL /sd18 c;'n x'g afFsL Aofh /sd19 shf{ gf]S;fgL Aoj:yf20 s'n artstf{ ;+Vof21 s'n art /sd21 clgjfo{ art21 :j]lR5s art21 cGo art21 ;j{;fwf/0fjf6 ;+sng u/]sf] art
22 s'n jrt÷s'n shf{ -℅_
23 n3' pBd shf{÷s'n shf{ -℅_
ljj/0fNERUDE Naya Nepal Summit Sworojgar First Nagbeli
D D D D D D
13 5 10 3 75 3
13 5 2 3 22 1
163 41 42 41 ‐ 29
219 29 50 41 9 25
36 6 6 6 1 2
2,674 229 535 475 ‐ 153
12,861 572 1,815 1,112 ‐ 599
‐ ‐ ‐ ‐ ‐ ‐
56,874 3,016 8,845 6,148 ‐ 2,702
‐ 143 ‐ 28 ‐ ‐
44,753 2,772 6,957 5,029 25 2,295
4,029.8 201.2 360.7 237.5 580.8 121.2
619.1 186.2 346.7 237.5 ‐ 101.7
7.8 15.0 14.0 ‐ ‐ 12.8
3,403.0 ‐ ‐ ‐ 580.8 6.6
3,425.8 140.7 250.3 133.2 227.3 71.2
491.8 132.4 243.2 133.2 ‐ 66.7
4.5 8.3 7.2 ‐ ‐ 1.2
2,929.6 ‐ ‐ ‐ 227.3 3.3
604.0 60.5 110.4 104.3 353.5 50.0
127.3 53.8 103.5 104.3 ‐ 35.1
3.3 6.7 6.8 ‐ ‐ 11.6
473.4 ‐ ‐ ‐ 353.5 3.3
3.9 3.1 0.2 0.7 ‐ ‐
2,409 143 39 ‐ ‐ ‐
56.9 ‐ 8.6 ‐ ‐ ‐
1.4 ‐ ‐ 0.0 ‐ ‐
9.4 1.6 0.3 1.2 3.9 0.5
56,874 ‐ 8,845 6,148 ‐ 2,702
260.4 18.3 30.2 27.2 ‐ 9.7
80.8 10.5 21.8 2.5 ‐ 8.3
179.6 7.7 8.4 11.6 ‐ 0.9
‐ ‐ ‐ 13.1 ‐ 0.5
‐ ‐ ‐ ‐ ‐ ‐
43.1% 30.2% 27.3% 26.1% 19.4%
0.5% 11.1% 6.2% 23.2%
69
Progress Report of Micro‐credit Development Banksas on Marg end, 2068
1 sfo{If]q ePsf] lhNnf ;+Vof2 ;]jf k'u]sf] lhNnf ;++Vof
3 ;]jf k'u]sf] uf=lj=;=÷g=kf= ;++Vof
4 s'n sd{rf/L ;+Vof5 s'n zfvf ;+Vof6 s'n s]Gb| ;+Vof7 s'n ;d"x ;+Vof8 lgliqmo ;d"x ;+Vof9 s'n ;b:o ;+Vof10 lgliqmo ;b:o ;+Vof11 s'n C0fL ;+Vof12 s'n shf{ ljt/0f12 n3' Joj;fo shf{ 12 n3' pBd÷lwtf] shf{ 12 cGo shf{13 shf{sf] ;fFjf c;'nL
13 n3' Joj;fo shf{sf] ;fFjf c;'nL
13 n3' pBd÷lwtf] shf{sf] ;fFjf c;'nL
13 cGo shf{sf] ;fFjf c;'nL14 s'n afFsL shf{14 n3' Joj;fo shf{ aFfsL14 n3' pBd÷lwtf] shf{ aFfsL14 cGo shf{ aFfsL15 efvf gf3]sf] shf{ /sd16 efvf gf3]sf] C0fL ;+Vof 17 Aofh c;'nL /sd18 c;'n x'g afFsL Aofh /sd19 shf{ gf]S;fgL Aoj:yf20 s'n artstf{ ;+Vof21 s'n art /sd21 clgjfo{ art21 :j]lR5s art21 cGo art21 ;j{;fwf/0fjf6 ;+sng u/]sf] art
22 s'n jrt÷s'n shf{ -℅_
23 n3' pBd shf{÷s'n shf{ -℅_
ljj/0fKalika Mirmire Janautthan Mithila
D D D D Total5 10 10 3
5 2 6 3
32 20 20 19 3,621
17 8 17 11 2,207
5 2 2 3 392
140 25 1 103 27,778
482 25 417 299 150,509
‐ 1 ‐ ‐ 5,055
2,409 390 2,534 1,670 808,468
‐ 11 ‐ ‐ 22,386
1,763 296 1,021 1,670 570,643
83.4 12.4 25.6 96.3 66,041.0
74.7 8.6 20.0 96.3 53,088.8
8.7 3.8 5.6 ‐ 1,754.7
‐ ‐ ‐ ‐ 11,197.5
45.6 1.1 9.0 67.6 53,064.8
42.3 0.9 6.8 67.6 43,714.5
3.2 0.2 2.3 ‐ 1,240.7
‐ ‐ ‐ ‐ 8,109.6
37.8 24.6 16.5 28.6 12,964.7
32.4 17.6 13.2 28.6 9,359.4
5.4 7.1 3.3 ‐ 517.4
‐ ‐ ‐ ‐ 3,087.9
‐ ‐ 0.2 ‐ 141.1
‐ ‐ 1 ‐ 14,135
6.4 1.0 1.3 ‐ 2,395.4
‐ ‐ 0.0 0.8 124.0
0.4 0.0 1.3 1.7 259.9
2,631 300 2,534 1,670 607,892
11.3 1.4 3.8 3.7 3,421.9
1.1 0.6 2.1 1.1 1,382.8
0.9 0.1 1.7 2.2 1,249.3
9.2 0.7 ‐ 0.4 690.2
‐ ‐ ‐ ‐ 99.7
29.8% 5.7% 23.0% 13.1% 26.4%
14.4% 28.7% 20.1% 4.0%
70
SN Full Name of Bank and Financial Institutions Short Name SN Full Name of Bank and Financial Institutions Short Name
24 Excel Development Bank Limited Excel
1 Nepal Bank Limited NBL 25 Western Development Bank Limited WDBL
2 Rastriya Banijya Bank RBB 26 H. & B. Development Bank Limited H & B
3 Nabil Bank Limited NABIL 27 Arniko Development Bank Limited Araniko
4 Nepal Investment Bank Limited NIBL 28 NDEP Development Bank Limited NDEP
5 Standard Chartered Bank Nepal Limited SCBNL 29 Clean Energy Development Bank Limited CEDBL
6 Himalayan Bank Limited HBL 30 Miteri Development Bank Limited Miteri
7 Nepal SBI Bank Limited NSBI 31 Tinau Bikas Bank Limited Tinau
8 Nepal Bangaladesh Bank Limited NBB 32 Rising Development Bank Limited Rising
9 Everest Bank Limited EBL 33 Muktinath Bikas Bank Limited Muktinath
10 Bank of Kathmandu Limited BOK 34 Sewa Bikas Bank Limited Sewa
11 Nepal Credit and Commerce Bank Limited NCC 35 Kankai Bikas Bank Limited Kankai
12 Nepal Industrial and Commercial Bank Limited NIC 36 Public Development Bank Limited Public
13 Lumbini Bank Limited Lumbini 37 Mahakali Bikas Bank Limited Mahakali
14 Machhapuchhre Bank Limited MBL 38 Ace Development Bank Limited Ace
15 Kumari Bank Limited Kumari 39 Bhargab Bikas Bank Limited Bhargav
16 Laxmi Bank Limited Laxmi 40 Sangrila Bikas Bank Limited Shangrila
17 Siddhartha Bank Limited SBL 41 Resunga Bikas Bank Limited Resunga
18 Agriculture Development Bank ADBNL 42 Rara Bikas Bank Limited Rara
19 Global Bank Limited Global 43 Diyalo Bikas Bank Limited diyalo
20 Citizens Bank International Citizens 44 Country Development Bank Limited Country
21 Prime Commercial Bank Limited Prime 45 Alpine Development Bank Limited Alpine
22 Bank of Asia Nepal Limited BOA 46 Nilgiri Bikas Bank Limited Nilgiri
23 Sunrise Bank Limited Sunrise 47 Kasthamandap Development Bank Limited Kasthamandap
24 DCBL Bank Limited DCBL 48 Garima Bikas Bank Limited Garima
25 NMB Bank Limited NMB 49 City Development Bank Limited City
26 Kist Bank Limited Kist 50 Biswo Bikas Bank Limited Bishow
27 Janata Bank Nepal Limited Janata 51 Professional Bikas Bank Limited Professional
28 Mega Bank Nepal Limited Mega 52 Kabeli Bikas Bank Limited Kabeli
29 Commerz and Trust Bank Nepal Limited CTBNL 53 Kamana Bikas Bank Limited Kamana
30 Civil Bank Limited Civil 54 Corporate Development Bank Limited Corporate
31 Century Commercial Bank Century 55 Pathibhara Bikas Bank Limited Pathibhara
56 Purnima Bikas Bank Limited Purnima
1 Nepal Industrial Development Corporation NIDC 57 Jyoti Development Bank Limited Jyoti
2 Udhyam Development Bank Limited Uddhyam 58 Bagmati Development Bank Limited Bagmati
3 Malika Development Bank Limited Malika 59 Hamro Bikas Bank Limited Hamro
4 Siddhartha Development Bank Limited SDBL 60 Kakre Bihar Bikas Bank Limited Kakre
5 United Development Bank Limited UDBL 61 Shine Development Bank Limited Shine
6 Manakamana Development Bank Limited MDBL 62 Pacific Development Bank Limited Pacific
7 Narayani Development Bank Limited Narayani 63 Civic Development Bank Limited Civic
8 Pashimanchal Development Bank Limited PDBL 64 International Development Bank Limited IDBL
9 Sahayogi Bikas Bank Limited Sahayogi 65 Gulmi Bikas Bank Limited Gulmi
10 Pashupati Development Bank Limited Pashupati 66 Kanchan Development Bank Limited Kanchan
11 Karnali Bikash Bank Limited Karnali 67 Matribhumi Bikas Bank Limited Matribhumi
12 Triveni Development Bank Limited Triveni 68 Bright Development Bank Limited Bright
13 Annapurna Development Bank Limited Annapurna 69 Innovative Development Bank Limited Innovative
14 Bhrikuti Bikas Bank Limited Bhrikuti 70 Jhimruk Bikas Bank Limited Jhimruk
15 Shubhechchha Bikas Bank Limited Suvekchha 71 Metro Development Bank Limited Metro
16 Bageshowri Development Bank Limited Bageshwori 72 Vivor Bikash Bank Limited Vivor
17 Sanima Bikas Bank Limited Sanima 73 Gaumukhi Bikas Bank Limited Gaumukhi
18 Gaurishankar Development Bank Limited Gaurishankar 74 Raptibheri Bikas Bank Limited Raptiveri
19 Gorkha Bikas Bank Limited Gorkha 75 Nepal Consumer Development Bank Limited Consumer
20 Gandaki Bikas Bank Limited Gandaki 76 Khandbari Development Bank Limited Khadbari
21 Infrastructure Development Bank Limited Infrastructure 77 Tourism Development Bank Limited Tourism
22 Business Development Bank Limited Business 78 Mission Development Bank Limited Mission
23 Biratlaxmi Bikas Bank Limited Biratlaxmi 79 Surya Development Bank Limited Surya
Name list of Bank and Financial Institutions
A. Commercial Banks
B. Development Banks
71
SN Full Name of Bank and Financial Institutions Short Name SN Full Name of Bank and Financial Institutions Short Name
80 Mount Makalu Development Bank Limited Mt. Makalu 46 Royal Merchant Banking & Finance Limited Royal
81 Sindhu Bikas Bank Limited Sindhu 47 Guheshworil Merchant Banking & Finance Limited Guheshwori
82 Sahara Development Bank Limited Sahara 48 Patan Finance Co. Limited Patan
83 Social Development Bank Limited Social 49 Fewa Finance Limited Fewa
84 Nepal Community Development Bank Limited NCDBL 50 Everest Finance Limited Everest
85 Cosmos Development Bank Limited Cosmos 51 Prudential Finance Company Limited Prudential
86 Manasalu Development Bank Limited Manaslu 52 ICFC Finance Limited ICFC
87 Samabriddhi Development Bank Limited Samabriddhi 53 IME Financial Institution Limited IME
88 Ekata Development Bank Limited Ekata 54 Sagarmatha Merchant Banking and Finance Limited Sagarmatha
89 Kalinchowk Development Bank Limited Kalinchowk 55 Shikhar Finance Limited Shikhar
56 Civil Merchant Bittiya Sanstha Limited Civil
1 Nepal Aawas Finance Limited Neapal Aawas 57 Prabhu Finance Co. Limited Prabhu
2 Nepal Finance Limited NFL 58 Imperial Finance Limited Imperial
3 NIDC Capital Markets Limited NIDC Capital 59 Kuber Merchant Finance Limited Kuber
4 Narayani National Finance Limited NNFL 60 Nepal Express Finance Limited NEFL
5 Annapurna Finance Co.Limited AFCL 61 Valley Finance Limited Valley
6 Nepal Share Markets and Finance Limited NSMFL 62 Seti Bittiya Sanstha Limited Seti
7 Peoples Finance Limited Peoples 63 Hama Merchant & Finance Limited hama
8 Mercantile Finance Co. Limited Merchantile 64 Reliable Finance Limited reliable
9 Kathmandu Finance Limited KFL 65 Loard Buddha Finance Limited Lord Buddha
10 Himalaya Finance Limited Himalaya 66 Swostik Merchant Finance Company Limited Swastik
11 Union Finance Limited Union 67 Api Finance Limited Api
12 Gorkha Finance Limited Gorkha 68 Namaste Bitiya Sanstha Limited. Namaste
13 Paschhimanchal Finance Co.Limited PFCL 69 Kaski Finance Limited Kaski
14 Nepal Housing & Merchant Finance Limited NHMFL 70 Suryadarshan Finance Co. Limited Suryadarshan
15 Universal Finance Limited Universal 71 Zenith Finance Limited Zenith
16 Samjhana Finance Co. Limited Samjhana 72 Unique Finance Limited Unique
17 Goodwill Finance Limited Goodwill 73 Manjushree Financial Institution Limited Manjushree
18 Siddhartha Finance Limited SFL 74 Subhalaxmi Finance Limited Subhalaxmi
19 Shree Investment & Finance Co. Limited SIFCL 75 Jebil's Finance Limited Jebils
20 Lumbini Finance & Leasing Co. Limited Lumbini 76 Reliance Finance Limited Reliance
21 Inbesta Finance Limited Investa 77 Lotus Investment Finance Limited Lotus
22 Yeti Finance Limited YFL 78 Baibhab Finance Limited Baibhav
23 Standard Finance Limited Standard 79 Bhaktapur Finance Limited Bhaktapur
24 International Leasing & Finance Co. Limited ILFCO D. Micro‐credit Development Banks25 Mahalaxmi Finance Limited Mahalaxmi 1 Purbanchal Grameen Bikas Bank Limited PUGBB
26 Lalitpur Finance Co. Limited Lalitpur 2 Sudur Pashimanchall Grameen Bikas Bank Limited SPGBB
27 Bhajuratna Finance & Saving Co. Limited Bhajuratna 3 Pashimanchall Grameen Bikas Bank Limited PAGBB
28 United Finance Co. Limited United FC 4 Madhya Pashimanchal Grameen Bikas Bank Limited MPGBB
29 General Finance Limited General 5 Madhymanchall Grameen Bikas Bank Limited MGBB
30 Progessive Finance Limited Progressive 6 Nirdhan Utthan Bank Limited NIRDHAN
31 Alpic Everest Finance Limited AEFL 7 Rural Microfinance Development Centre Limited RMDC
32 Nava Durga Finance Co.Limited Navadurga 8 Deprosc Microfinance Development Bank Limited DIPROSC
33 Janaki Finance Co. Limited Janaki 9 Chhimek Microfinance Development Banks Limited CHHIMEK
34 Pokhara Finance Limited Pokhara 10 Shawalamban Laghu Bitta Bikas Banks Limited Swabalamban
35 Central Finance Limited Central 11 Sana Kisan Vikas Bank Limited Sanakisan
36 Premier Finance Co. Limited Premier 12 Nerude Laghu Bitta Bikas Bank Limited NERUDE
37 Arun Finance Limited Arun 13 Naya Nepal Laghu Bitta Bikas Bank Limited Naya Nepal
38 Multipurpose Finance Co. Limited Multipurpose 14 Summit Microfinance Development Bank Limited Summit
39 Butwal Finance Limited Butwal 15 Sworojagar Laghu Bitta Bika Bank Limited Sworojgar
40 Shrijana Finance Limited Srijana 16 Frist Microfinance Development Bank Limited First
41 Om Finance Limited Om 17 Nagbeli Microfinance Development Bank Limited Nagbeli
42 CMB Finance Limited CMB 18 Kalika Microcredit Development Bank Limited Kalika
43 World Merchant Banking & Finance Limited WMBFL 19 Mirmire Microfinance Development Bank Limited Mirmire
44 Capital Merchant Banking & Finance Co. Limited CMBFCL 20 Janautthan SamudayikMicrofinance Dev. Bank Limited Janautthan
45 Crystal Finance Limited Crystal 21 Mithila Laghu Bitta Bikas Banks Limited Mithila
C. Finance Companies
72