Statement of Assets and Liabilities

as on Magh end 2068

Rs. in million

SCBNL
NABIL

NBBL
NSBI
NIBL

BOK

NCC
RBB
NBL

HBL

EBL
Liabilities

1 CAPITAL FUND ‐4221.00 ‐8373.71 4566.52 5161.31 3677.78 3995.54 2879.29 2144.50 3113.54 2435.19 1744.24
a. Paid‐up Capital 380.00 1172.30 2029.77 3012.92 1610.17 2400.00 2102.97 2009.40 1391.57 1604.19 1400.00
b. Calls in Advance
c. General Reserves 1609.00 2725.35 1836.50 1324.53 1636.33 1191.42 475.78 956.84 803.45 585.31 342.26
d. Share Premium 0.07 11.85 49.66 35.87 14.78 0.08
e. Retained Earning ‐6869.00 ‐13489.57 493.62 255.53 96.66 32.99 2.85 ‐991.19 36.09 13.37 ‐40.51
f. Others Reserves Fund 591.00 1122.31 109.05 519.28 75.43 341.35 237.75 74.67 844.75 195.33 41.52
g. Exchange Fluctuation Fund 68.00 95.90 97.50 37.19 259.19 29.77 10.28 58.91 22.90 37.00 0.89
2 BORROWINGS 1998.00 2722.85 554.53 1593.05 895.25 797.63 31.62 300.00 239.38
a. NRB 2609.37 331.90
b. "A"Class Licensed Institution 254.53 211.15 197.63 31.62 39.38
c. Foreign Banks and Fin. Ins. 1998.00
d. Other Financial Ins. 113.48 395.25
e. Bonds and Securities 300.00 1050.00 500.00 600.00 300.00 200.00
3 DEPOSITS 48996.00 75577.16 55353.33 52781.52 36323.80 45938.51 51352.58 12960.56 45663.56 23230.66 13124.73
a. Current 9116.00 14543.66 5832.19 4334.99 11102.57 3925.33 3619.02 799.49 4764.89 2530.42 474.72
Domestic 8908.00 14491.76 4465.28 3612.34 5934.64 3077.26 3393.48 753.65 4700.93 2369.07 462.24
Foreign 208.00 51.90 1366.91 722.64 5167.94 848.07 225.54 45.84 63.95 161.35 12.48
b. Savings 28797.00 40123.66 15360.84 15440.56 14007.15 19230.74 8904.06 6093.88 14894.82 7331.99 5317.76
Domestic 28787.00 40117.04 14180.73 14842.74 12031.72 18554.59 8836.10 6078.99 14808.38 7095.66 5207.00
Foreign 10.00 6.62 1180.11 597.81 1975.43 676.15 67.96 14.90 86.44 236.32 110.75
c. Fixed 8901.00 17949.18 17261.88 20140.21 5982.70 13069.77 33529.58 2704.55 16612.84 9012.55 4490.55
Domestic 8894.00 17949.18 15804.11 18620.32 4770.37 12347.42 16688.75 2614.26 16355.33 7745.50 4411.50
Foreign 7.00 1457.77 1519.89 1212.32 722.35 16840.82 90.29 257.51 1267.04 79.05
d. Call Deposits 1721.00 2290.19 16238.23 12104.06 4618.09 8723.64 5143.57 3152.62 8686.14 4084.29 2705.84
e. Others 461.00 670.47 660.19 761.70 613.29 989.03 156.35 210.02 704.87 271.42 135.85
4 Bills Payable 59.00 18.76 128.27 5.34 47.08 48.76 121.02 19.10 45.77 16.62 23.53
5 Other Liabilities 9793.00 21374.97 8529.86 4588.92 2020.47 3235.13 2145.59 4622.75 1408.02 1477.81 2063.41
1. Sundry Creditors 4847.00 696.10 4062.08 556.10 357.33 565.18 205.42 174.50 185.58 100.02
2. Loan Loss Provision 1633.00 4723.87 1357.89 949.12 243.24 1545.90 370.88 1476.81 639.02 529.84 356.23
3. Interest Suspense a/c 2955.00 14263.55 287.84 329.64 237.77 760.36 331.58 945.38 73.92 37.85 230.36
4. Others 358.00 1691.45 2822.05 2754.06 1182.13 928.86 877.94 1995.14 520.58 724.55 1376.79
6 Reconcillation A/c ‐8505.00 4.51 307.05 0.00 ‐22.32 10.20
7 Profit & Loss A/c 405.00 598.79 854.33 599.92 635.08 651.28 122.29 329.46 607.42 321.16 35.36
TOTAL LIABILITIES 48525.00 91918.82 69986.83 64734.57 42704.21 55071.52 57418.41 20085.67 51148.51 27720.82 16991.26
Assets
1 LIQUID FUNDS 10841.00 16405.09 5524.38 10886.29 6173.40 4518.10 8885.49 2459.60 7639.17 1661.37 1161.18
a. Cash Balance 1615.00 1858.74 778.62 1410.55 614.56 744.02 1197.82 532.11 881.37 591.53 425.88
Nepalese Notes & Coins 1575.00 1819.29 738.08 1350.19 563.77 657.04 1168.37 507.60 858.24 584.10 414.18
Foreign Currency 40.00 39.45 40.54 60.36 50.79 86.98 29.45 24.52 23.13 7.44 11.70
b. Bank Balance 9226.00 14546.35 3952.71 9244.67 2407.43 3632.70 7687.67 1927.48 6757.80 1054.09 735.30
1. In Nepal Rastra Bank 7551.00 14100.03 3497.02 7978.50 1443.84 2812.40 4699.86 1715.28 6691.43 681.46 472.68
Domestic Currency 7493.00 14094.47 3487.22 7953.28 1386.81 2666.82 4644.04 1704.81 6679.04 660.60 473.17
Foreign Currency 58.00 5.56 9.80 25.22 57.04 145.58 55.82 10.47 12.39 20.85 ‐0.50
2. "A"Class Licensed Institution 805.00 105.39 44.94 64.94 75.39 72.13 90.27 16.68 31.87 110.68 132.52
Domestic Currency 803.00 105.39 44.94 62.11 75.39 67.84 85.34 15.86 30.73 107.93 130.98
Foreign Currency 2.00 2.82 4.30 4.92 0.82 1.14 2.74 1.53
3. Other Financial Ins. 0.72
4. In Foreign Banks 870.00 340.93 410.74 1201.24 888.20 748.17 2897.54 194.80 34.50 261.95 130.11
c. Money at Call 793.06 231.07 3151.40 141.38 15.75
Domestic Currency 200.00 60.00
Foreign Currency 793.06 31.07 3151.40 81.38 15.75
2 INVESTMENT IN SECURITIES 7527.00 19670.29 7483.63 3970.70 10919.89 9330.59 5238.26 3358.62 5247.11 5458.93 3190.75
a. Govt.Securities 7527.00 19457.97 7286.20 3970.70 10911.40 9330.59 5238.26 3358.62 5247.11 5458.93 3090.75
b. NRB Bond
c. Govt.Non‐Fin. Ins. 212.32 8.49
d. Other Non‐Fin Ins. 100.00
e Non Residents 197.42
3 SHARE & OTHER INVESTMENT 2244.00 3415.45 6948.45 3990.93 4838.88 1904.20 17098.64 220.46 741.98 308.28 361.47
a. Non Residents 1964.00 2482.83 5399.90 3627.52 4729.45 1687.72 17058.99 80.62 632.40 236.25 101.39
b. Others 280.00 932.62 1548.54 363.41 109.43 216.48 39.65 139.84 109.58 72.03 260.08
4 LOANS & ADVANCES 27866.00 35145.47 41223.18 41274.22 17899.24 33346.16 23651.84 10374.25 35399.82 17509.49 9927.49
a. Private Sector 27866.00 34695.72 40155.21 40068.44 16315.47 33346.16 22705.26 10100.71 28911.98 16811.07 9548.75
b. Financial Institutions 99.04 787.98 697.94 1444.96 946.59 181.20 4341.87 548.56 250.50
c. Government Organizations 350.71 279.99 507.84 138.81 92.34 2145.97 149.86 128.24
5 BILL PURCHASED 14.00 76.42 31.86 172.32 1103.37 1747.61 3.94 187.91 128.23 1197.18 12.76
a. Domestic Bills Purchased 56.00 ‐2.18 60.51 0.08 58.87 105.37 6.93 0.00 2.20
b. Foreign Bills Purchased 13.00 20.33 34.04 37.96 1103.28 37.08 3.94 82.53 121.30 36.33 10.56
c. Import Bills & Imports 1.00 0.09 73.84 1651.66 1160.85
6 LOANS AGAINST COLLECTED BILLS 89.29 18.13
a. Against Domestic Bills 83.63 18.13
b. Against Foreign Bills 5.66
7 FIXED ASSETS 391.00 1012.02 892.23 1107.51 500.56 1136.39 1097.38 180.33 587.26 940.43 509.78
8 OTHER ASSETS 10153.00 21015.25 7793.81 3332.59 1243.48 2889.56 1436.03 2986.16 1353.15 623.06 1182.47
a. Accrued Interest: 2948.00 14446.05 846.37 767.18 525.67 1204.53 499.83 1005.99 227.22 310.16 261.08
b. Staff Loans / Adv. 1987.00 3372.39 768.37 121.35 206.51 920.57 207.12 335.47 722.01 76.47 147.62
c. Sundry Debtors 345.00 948.72 4058.47 173.03 266.18 89.09 402.13 39.10 19.61 68.08 127.95
d. Cash In Transit 664.00 241.76 4.60 5.73
e. Others 4209.00 2006.33 2120.60 2271.02 245.11 670.77 326.95 1605.59 384.31 162.62 645.82
9 Expenses not Written off 28.00 0.05 25.40 190.60 6.83 1.15
10 Non Banking Assets 367.00 129.19 8.31 317.20 51.79 3.94 469.90
11 Reconcillation Account ‐10906.00 ‐4950.41 175.45
12 Profit & Loss A/c
TOTAL ASSETS 48525.00 91918.82 69986.83 64734.57 42704.21 55071.52 57418.41 20085.67 51148.51 27720.82 16991.25

10
 Statement of Assets and Liabilities
as on Magh end 2068
Rs. in million

Citizens

Sunrise
Kumari

ADBNL

Global

Prime
Laxmi

DCBL
MBL

BOA
SBL
LBL
NIC
Liabilities

1 CAPITAL FUND 1930.18 1849.17 1783.39 2360.47 2113.86 1988.40 13189.48 1709.48 2233.91 2486.86 2154.44 2146.06 2117.88
a. Paid‐up Capital 1311.55 1430.00 1627.20 1485.00 1613.52 1618.26 9474.30 1601.45 2101.84 2245.75 2000.00 2015.00 2000.00
b. Calls in Advance
c. General Reserves 409.68 330.84 129.28 235.44 230.03 228.84 1891.31 77.10 108.51 171.17 96.75 66.67 115.19
d. Share Premium 41.87 5.28 4.44 13.07 2.97 25.96 32.41
e. Retained Earning 0.00 20.89 17.72 17.65 11.27 32.50 ‐3376.21 0.27 9.22 65.53 19.55 28.80 0.82
f. Others Reserves Fund 153.21 60.34 611.55 234.60 101.46 5190.86 13.89 10.55 4.34 1.90 0.30 0.09
g. Exchange Fluctuation Fund 13.86 1.83 9.19 6.38 11.37 7.34 9.22 16.76 0.81 0.08 10.28 2.88 1.79
2 BORROWINGS 279.05 426.70 483.72 350.00 582.09 2537.96 47.43 79.05 541.60 900.01 5.22
a. NRB 426.70 10.00 117.38 541.60
b. "A"Class Licensed Institution 79.05 83.72 47.43 79.05 900.01 5.22
c. Foreign Banks and Fin. Ins. 299.32
d. Other Financial Ins. 45.00 120.59
e. Bonds and Securities 200.00 400.00 350.00 227.77 2300.00
3 DEPOSITS 20043.62 6973.29 17597.64 19321.12 19593.78 23497.02 40081.17 17941.85 14262.93 22156.02 13871.81 16833.06 11316.37
a. Current 1659.42 291.56 492.95 745.59 812.25 574.57 4065.45 649.32 452.59 390.91 189.43 518.28 140.01
Domestic 1647.83 264.54 473.88 725.03 714.57 460.56 4051.78 597.10 438.83 385.56 162.68 491.21 125.18
Foreign 11.59 27.02 19.07 20.55 97.67 114.01 13.67 52.22 13.76 5.35 26.75 27.07 14.83
b. Savings 4065.83 2089.40 6825.86 4879.94 3755.50 4444.03 19627.82 4908.00 3747.08 2382.11 2729.49 5872.83 1340.68
Domestic 4027.26 2073.21 6809.89 4809.62 3598.55 4420.68 19627.82 4885.66 3730.24 2375.20 2726.27 5862.22 1328.06
Foreign 38.57 16.19 15.98 70.33 156.95 23.36 22.34 16.84 6.91 3.21 10.61 12.63
c. Fixed 9010.62 3682.02 5292.86 7895.59 9924.14 10389.00 16340.28 8689.34 8073.23 8790.50 7602.34 7026.00 5705.16
Domestic 8531.41 3670.17 5130.33 7263.19 8551.82 9519.45 16284.31 8234.80 7835.37 8521.73 7082.06 6551.70 5389.75
Foreign 479.21 11.85 162.53 632.40 1372.33 869.55 55.97 454.54 237.86 268.77 520.28 474.30 315.41
d. Call Deposits 5163.84 867.87 4820.91 5447.91 4785.60 7689.28 37.27 3372.91 1916.42 10471.68 3276.31 3162.22 3927.44
e. Others 143.91 42.45 165.05 352.09 316.29 400.14 10.35 322.27 73.61 120.83 74.24 253.73 203.08
4 Bills Payable 14.98 4.66 17.28 24.13 3.83 11.00 4.75 12.26 7.78 2.59 4.64
5 Other Liabilities 908.92 592.57 1075.66 1731.55 1402.92 1721.79 17470.60 1561.28 1132.17 1090.52 1988.26 1251.25 685.58
1. Sundry Creditors 260.54 134.18 10.59 523.88 51.27 529.69 940.69 738.00 0.20 9.44 3.86
2. Loan Loss Provision 318.66 170.14 260.85 504.15 220.05 361.62 6202.70 473.04 252.14 362.53 364.27 555.36 208.65
3. Interest Suspense a/c 59.39 66.90 232.96 234.38 53.27 97.58 1923.11 68.56 225.62 282.22 207.58 216.81 195.46
4. Others 270.33 221.34 571.26 469.14 1078.33 732.89 8404.10 281.68 654.20 436.32 1416.42 475.22 281.47
6 Reconcillation A/c 27.96 0.16 238.99 1.92 ‐20.01
7 Profit & Loss A/c 374.40 9.78 22.64 30.52 204.38 135.75 918.42 129.77 17.85 46.81 7.84
TOTAL LIABILITIES 23579.12 9429.62 20923.31 23951.50 23668.76 27925.05 74436.62 21400.81 17730.66 26287.25 18922.31 20281.70 14117.52
Assets
1 LIQUID FUNDS 2641.07 1388.13 3400.24 2193.40 3370.82 3985.78 6826.07 1951.31 2848.50 5838.04 1879.59 3942.33 1414.74
a. Cash Balance 408.96 217.57 927.01 464.96 333.44 509.44 1587.45 419.85 618.71 585.12 294.26 544.36 376.89
Nepalese Notes & Coins 396.48 210.85 881.75 427.54 308.51 484.09 1565.41 393.93 600.38 571.71 283.41 530.59 334.06
Foreign Currency 12.48 6.72 45.26 37.42 24.93 25.35 22.04 25.92 18.33 13.41 10.85 13.76 42.83
b. Bank Balance 2232.11 1170.56 2473.23 1578.44 3037.38 2856.66 5238.62 1531.46 2012.88 4864.63 1087.31 2978.34 1037.84
1. In Nepal Rastra Bank 2029.77 1103.42 2213.64 1069.30 2411.86 2572.17 4606.20 1194.27 1808.12 4568.16 887.13 2706.91 724.81
Domestic Currency 2025.31 1097.41 2194.20 1063.03 2376.31 2564.22 4606.20 1171.52 1800.25 4564.97 854.91 2692.14 722.01
Foreign Currency 4.47 6.01 19.44 6.27 35.55 7.94 22.75 7.87 3.19 32.22 14.77 2.79
2. "A"Class Licensed Institution 95.11 26.74 103.70 58.19 60.01 190.79 596.43 72.98 63.04 54.08 39.74 92.03 68.73
Domestic Currency 94.67 26.74 98.02 56.21 41.37 31.82 596.13 71.03 51.73 53.29 39.52 91.10 67.12
Foreign Currency 0.44 0.00 5.68 1.98 18.64 158.97 0.30 1.95 11.31 0.79 0.21 0.93 1.62
3. Other Financial Ins. 6.09 56.47
4. In Foreign Banks 107.23 40.39 149.80 450.96 565.51 93.70 35.98 264.21 141.72 242.39 160.44 179.40 187.84
c. Money at Call 150.00 619.68 216.91 388.29 498.02 419.63
Domestic Currency 150.00 405.01 192.71 198.46 124.49
Foreign Currency 214.67 24.20 189.83 498.02 295.14
2 INVESTMENT IN SECURITIES 4156.39 832.51 1541.82 2669.15 1403.12 1960.30 8813.19 2757.06 855.61 420.71 2378.48 1084.88 1432.11
a. Govt.Securities 4009.96 832.51 1541.82 2669.15 1353.12 1960.30 8813.19 2757.06 855.61 420.71 2378.48 1084.88 1259.61
b. NRB Bond 172.49
c. Govt.Non‐Fin. Ins. 50.00
d. Other Non‐Fin Ins.
e Non Residents 146.43
3 SHARE & OTHER INVESTMENT 109.59 84.64 189.61 330.23 963.52 556.51 961.47 418.03 240.52 215.97 496.74 235.16 210.67
a. Non Residents 79.05 79.05 101.75 237.15 482.21 258.44 400.13 213.10 5.77 97.79 192.73 79.05
b. Others 30.54 5.59 87.86 93.08 481.30 298.07 961.47 17.90 27.42 210.20 398.95 42.43 131.62
4 LOANS & ADVANCES 15167.52 6628.39 13777.55 16664.82 15468.30 19104.18 41070.70 14861.80 12691.50 18906.70 12109.48 13817.34 10245.58
a. Private Sector 14912.36 6540.12 13381.64 16349.66 15014.58 18182.34 40108.53 14861.80 12100.59 18473.90 11713.32 13425.88 9955.82
b. Financial Institutions 255.17 88.27 350.11 168.65 319.09 962.18 255.03 315.00 318.97 300.85 224.99
c. Government Organizations 45.80 146.51 134.63 921.84 335.88 117.80 77.19 90.61 64.77
5 BILL PURCHASED 4.29 0.08 22.87 20.62 842.65 274.51 40.61 66.78 40.65 3.16 19.60
a. Domestic Bills Purchased 9.36 39.23 12.68 40.61 66.78 40.37 0.70 19.60
b. Foreign Bills Purchased 4.29 0.08 13.50 20.62 6.00 261.83 0.28 2.46
c. Import Bills & Imports 797.41
6 LOANS AGAINST COLLECTED BILLS 4.94
a. Against Domestic Bills
b. Against Foreign Bills 4.94
7 FIXED ASSETS 350.68 187.91 745.06 593.66 405.21 569.16 1076.60 366.14 370.36 300.06 326.85 523.89 442.08
8 OTHER ASSETS 1142.26 251.14 1082.55 1463.59 1215.12 1474.60 15545.68 1005.87 649.87 528.47 1677.45 639.10 321.59
a. Accrued Interest: 179.24 65.32 388.46 344.64 290.64 319.82 1923.11 207.74 242.44 282.22 207.58 353.52 219.64
b. Staff Loans / Adv. 60.24 44.40 144.89 149.34 136.37 225.74 3685.24 10.41 91.40 12.39 68.37 56.77 21.57
c. Sundry Debtors 715.72 68.66 62.00 8.53 116.48 505.72 5992.80 767.24 2.51 3.39 1.34
d. Cash In Transit 45.00
e. Others 187.06 72.75 487.20 916.08 671.63 423.32 3944.54 20.47 313.53 233.86 1401.51 225.44 79.05
9 Expenses not Written off 7.30 157.57 2.56 8.04 31.16
10 Non Banking Assets 56.61 6.00 0.03 142.91 1.17 27.79
11 Reconcillation Account 0.21 0.04 16.03 0.02
12 Profit & Loss A/c 35.46 53.72
TOTAL ASSETS 23579.12 9429.62 20923.31 23951.50 23668.76 27925.05 74436.62 21400.81 17730.66 26287.25 18922.31 20281.70 14117.52

11
 Statement of Assets and Liabilities
as on Magh end 2068
Rs. in million

Civil Bank

Uddhyam

Narayani
Century

Malika
CTBNL
Janata

MDBL
Mega

UDBL
SDBL

PDBL
NIDC
NMB

Kist
Liabilities

1 CAPITAL FUND 2211.46 2143.34 1476.87 1711.53 1423.33 1204.60 1135.65 865.87 61.58 250.14 686.35 13.85 884.67 116.38 366.37
a. Paid‐up Capital 2000.00 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
b. Calls in Advance
c. General Reserves 186.06 67.61 8.07 4.86 7.47 0.23 423.60 3.49 22.62 38.07 1.84 83.82 11.11 23.93
d. Share Premium 10.08 0.34 0.54
e. Retained Earning 7.13 71.69 32.16 19.19 15.87 0.82 34.71 ‐60.99 2.18 22.34 1.50 ‐68.39 ‐198.61 36.33 0.16
f. Others Reserves Fund 1.78 4.04 36.53 56.47 3.44 20.95 87.44 0.92 1.78 ‐0.57 3.33 5.21
g. Exchange Fluctuation Fund 6.41 0.11 0.11 0.03
2 BORROWINGS 10.92 127.14 1368.95 292.27 0.34 58.30 180.00 35.20 1.62
a. NRB 3.00 31.62
b. "A"Class Licensed Institution 7.92 127.14 1368.95 260.65 180.00 35.20
c. Foreign Banks and Fin. Ins.
d. Other Financial Ins. 0.34 1.62
e. Bonds and Securities 58.30
3 DEPOSITS 13891.45 18356.01 6261.70 8789.30 4400.87 6538.32 2552.10 319.24 211.79 1488.86 4040.27 10.53 2154.32 980.56 1863.71
a. Current 500.70 378.73 227.82 277.85 35.18 145.81 26.34 7.08 0.77 18.32 100.64 26.80 6.29
Domestic 497.61 370.51 224.61 218.67 32.67 100.57 26.21 7.08 0.77 18.32 100.60 26.33 6.29
Foreign 3.09 8.22 3.20 59.18 2.50 45.24 0.13 0.04 0.47
b. Savings 2538.02 8813.08 664.89 3187.17 693.33 577.55 768.33 54.42 59.27 1304.83 1989.75 10.02 385.80 631.85 1052.71
Domestic 2529.95 8812.41 664.77 3182.47 686.22 576.31 762.69 54.42 59.27 1304.83 1989.75 10.02 385.80 631.85 1052.71
Foreign 8.07 0.67 0.12 4.70 7.11 1.23 5.64
c. Fixed 7810.28 6482.06 2878.49 3504.94 1892.88 2626.11 1206.67 226.46 77.81 118.24 1236.70 0.50 744.05 347.10 508.24
Domestic 6779.57 6412.55 2799.44 3401.19 1814.13 2388.96 1127.92 226.46 77.81 118.24 1236.70 0.50 744.05 347.10 508.24
Foreign 1030.71 69.51 79.05 103.75 78.75 237.15 78.75
d. Call Deposits 2954.87 2610.68 2442.13 1745.15 1745.10 3052.24 543.72 31.29 73.94 46.87 709.06 957.03 291.98
e. Others 87.58 71.46 48.37 74.19 34.39 136.61 7.04 0.60 4.11 40.64 1.61 4.48
4 Bills Payable 4.17 3.25 9.05 38.92 0.89
5 Other Liabilities 551.18 1268.67 230.55 426.92 158.65 224.41 153.35 4082.49 23.09 193.37 278.07 59.19 365.82 95.36 95.94
1. Sundry Creditors 13.89 48.29 3.92 4.86 1.18 2.08 66.92 0.72 21.24 25.88 8.49 10.03 5.04
2. Loan Loss Provision 208.36 424.18 58.22 104.69 41.65 53.42 19.24 907.65 8.74 47.42 50.41 14.25 105.97 26.53 28.29
3. Interest Suspense a/c 166.38 297.48 4.37 29.71 39.53 58.39 22.48 2461.69 7.11 18.75 49.39 17.61 109.58 44.60 16.24
4. Others 162.56 498.72 164.04 292.52 72.61 111.42 109.55 646.23 6.51 105.96 152.39 18.84 150.27 14.20 46.38
6 Reconcillation A/c 0.00 0.24 316.05
7 Profit & Loss A/c 33.57 ‐94.96 0.41 113.70 16.52 6.56 7.97
TOTAL LIABILITIES 16691.83 21687.47 8105.73 12335.61 5982.86 8260.49 3841.11 5381.29 296.46 1948.89 5011.60 141.87 3584.81 1543.56 2335.61
Assets
1 LIQUID FUNDS 1599.29 1773.13 891.48 870.42 891.51 1629.98 821.31 682.84 84.58 482.07 943.50 36.29 579.54 292.13 603.55
a. Cash Balance 246.20 582.18 191.14 204.61 133.46 202.17 84.04 9.56 9.89 58.03 95.46 0.31 48.96 25.17 72.09
Nepalese Notes & Coins 231.37 572.41 188.64 198.26 128.83 181.76 82.16 9.56 9.89 54.34 95.33 0.31 48.41 25.17 72.09
Foreign Currency 14.83 9.77 2.51 6.35 4.62 20.41 1.88 3.69 0.13 0.55
b. Bank Balance 1203.07 1069.02 484.13 508.31 535.89 1427.81 384.57 673.28 74.69 78.60 214.88 35.99 530.57 266.96 125.25
1. In Nepal Rastra Bank 803.50 918.14 448.67 418.98 479.63 1208.26 278.64 65.19 0.11 72.80 211.28 4.44 35.80 0.58 2.96
Domestic Currency 764.18 904.98 447.03 415.84 476.74 1202.87 278.60 65.19 0.11 72.80 211.28 4.44 35.80 0.58 2.96
Foreign Currency 39.32 13.16 1.64 3.14 2.89 5.40 0.04
2. "A"Class Licensed Institution 109.10 32.73 31.85 24.09 21.19 23.64 88.06 602.49 25.97 5.80 3.60 1.57 462.85 80.65 121.97
Domestic Currency 109.10 32.28 31.85 24.09 21.19 21.25 9.29 602.49 25.97 5.80 3.60 1.57 461.79 80.65 121.97
Foreign Currency 0.45 2.38 78.77 1.07
3. Other Financial Ins. 4.26 1.60 5.61 48.62 29.98 31.91 185.73 0.31
4. In Foreign Banks 286.21 118.15 3.61 65.24 33.47 195.91 17.87
c. Money at Call 150.02 121.93 216.21 157.50 222.16 352.70 345.43 633.17 406.20
Domestic Currency 90.31 157.50 186.00 352.70 345.43 624.51 406.20
Foreign Currency 150.02 31.62 216.21 36.16 8.66
2 INVESTMENT IN SECURITIES 1295.48 3550.25 838.96 910.81 510.77 456.79 462.20 37.95 61.15 204.09 169.56 5.00
a. Govt.Securities 1275.48 3550.25 838.96 910.81 510.77 456.79 462.20 37.95 61.15 204.09 169.56 5.00
b. NRB Bond
c. Govt.Non‐Fin. Ins.
d. Other Non‐Fin Ins. 20.00
e Non Residents
3 SHARE & OTHER INVESTMENT 727.22 179.11 1501.57 128.36 264.39 1.50 17.19 38.97 4.05 123.64 17.50
a. Non Residents 365.67 228.93 128.36 27.98 10.08
b. Others 361.55 179.11 1272.64 264.39 1.50 17.19 10.99 4.05 113.56 17.50
4 LOANS & ADVANCES 11466.66 13841.51 5724.35 8394.32 4162.79 5262.83 2214.66 1417.26 168.32 1130.61 3391.73 68.59 2354.12 699.43 1566.87
a. Private Sector 10899.06 13806.60 5630.08 8000.32 4007.13 4962.34 2214.66 1377.65 167.92 1130.61 3391.73 68.59 2322.47 696.71 1566.87
b. Financial Institutions 214.79 94.27 95.00 27.75 247.31 31.65
c. Government Organizations 352.81 34.91 299.00 127.91 53.18 39.61 0.40 2.72
5 BILL PURCHASED 767.87 1.91 1.76 19.31 3.50
a. Domestic Bills Purchased 3.50
b. Foreign Bills Purchased 1.91 1.76 19.31
c. Import Bills & Imports 767.87
6 LOANS AGAINST COLLECTED BILLS 319.90
a. Against Domestic Bills
b. Against Foreign Bills 319.90
7 FIXED ASSETS 303.38 1418.19 269.18 321.29 149.03 249.34 134.99 114.69 18.25 53.30 313.83 2.36 127.85 9.76 54.20
8 OTHER ASSETS 529.33 906.46 380.00 312.99 234.82 140.07 172.94 2861.09 13.58 199.05 115.99 31.03 210.50 82.51 75.77
a. Accrued Interest: 202.29 383.78 71.41 110.10 44.90 67.45 33.92 2461.69 7.11 1.99 52.62 19.04 111.25 44.60 17.53
b. Staff Loans / Adv. 35.35 302.72 61.38 87.09 50.87 6.17 46.37 13.11 2.55 30.88 23.80 26.49 6.42 30.84
c. Sundry Debtors 15.18 35.59 19.39 26.14 0.49 186.03 2.50 39.05 22.97 10.71 18.76 9.90
d. Cash In Transit 3.09
e. Others 276.51 184.37 227.82 115.80 139.06 40.30 92.16 200.26 1.41 127.12 16.59 1.29 72.75 12.73 14.42
9 Expenses not Written off 16.91 1.47 1.10 12.56
10 Non Banking Assets 2.61 2.45 4.43 0.30 72.55
11 Reconcillation Account 0.58 3.08 320.73 0.16
12 Profit & Loss A/c 24.23 33.93 53.34 35.01 6.30 3.29 66.65 15.35
TOTAL ASSETS 16691.83 21687.47 8105.73 12335.61 5982.86 8260.49 3841.11 5381.29 296.46 1948.89 5011.60 141.87 3584.81 1543.56 2335.61

12
 Statement of Assets and Liabilities
as on Magh end 2068
Rs. in million

Infrastructur
Gaurishanka
Bageshwori
Annapurna

Suvekchha

Biratlaxmi
Pashupati
Sahayogi

Business
Gandaki
Bhrikuti

Sanima

Gurkha
Karnali

Triveni
Liabilities

e
r
1 CAPITAL FUND 102.91 700.45 92.20 187.99 809.01 372.54 120.29 139.51 2118.69 251.59 ‐436.79 246.38 762.81 735.32 171.50
a. Paid‐up Capital 90.00 663.17 80.00 158.77 672.00 279.24 107.85 93.70 2016.00 211.92 660.82 220.00 713.53 690.06 155.65
b. Calls in Advance 31.19 0.82
c. General Reserves 12.77 14.05 1.70 16.28 33.25 35.44 10.44 12.76 69.60 35.42 34.15 19.63 40.05 42.19 14.35
d. Share Premium 0.89 11.53 2.11 0.96 0.29 10.56 2.38 0.08 5.69 0.38
e. Retained Earning 0.01 22.06 1.41 101.37 15.25 0.54 0.94 20.71 3.88 ‐1187.83 4.50 ‐1.28 2.67 0.54
f. Others Reserves Fund 0.13 0.28 10.50 0.28 42.60 0.50 0.62 0.02 0.36 52.87 2.17 4.72 0.02 0.96
g. Exchange Fluctuation Fund 1.80 0.00 0.10
2 BORROWINGS 40.00 1.49 15.00 104.00
a. NRB 15.00
b. "A"Class Licensed Institution 64.00
c. Foreign Banks and Fin. Ins.
d. Other Financial Ins. 40.00 1.49 40.00
e. Bonds and Securities
3 DEPOSITS 1135.20 601.08 896.48 1904.28 1328.48 2367.29 909.20 1292.50 7586.59 772.29 1763.89 1636.40 1592.52 1657.82 2122.18
a. Current 51.23 8.78 42.59 15.35 31.01 25.69 12.41 176.64 18.02 210.65 48.97 18.87 12.26 33.43
Domestic 51.23 8.78 42.59 15.35 31.01 25.69 12.41 176.20 18.02 210.65 48.97 18.87 12.26 33.43
Foreign 0.45
b. Savings 862.96 167.83 769.39 913.58 533.38 1351.27 334.50 878.62 3097.84 484.74 753.24 715.53 489.76 749.53 1144.49
Domestic 862.96 167.83 769.39 913.58 533.38 1351.27 334.50 878.62 3083.44 484.74 753.09 715.53 489.76 749.53 1144.49
Foreign 14.40 0.16
c. Fixed 189.38 198.72 124.31 616.83 319.89 465.91 347.70 119.50 3246.08 110.79 452.15 420.01 667.50 354.71 614.50
Domestic 189.38 198.72 124.31 616.83 319.89 465.91 347.70 119.50 3195.23 110.79 452.15 420.01 667.50 354.71 614.50
Foreign 50.85
d. Call Deposits 31.64 225.49 329.45 459.69 515.88 201.31 248.61 1053.91 158.73 340.14 450.03 410.23 539.16 326.86
e. Others 0.26 2.78 1.83 0.18 3.21 33.36 12.11 7.71 1.86 6.16 2.15 2.91
4 Bills Payable 0.01 0.13 0.76
5 Other Liabilities 44.67 85.94 38.51 68.96 364.76 116.73 46.62 52.67 357.90 51.10 3191.57 67.95 127.02 95.94 79.39
1. Sundry Creditors 7.01 1.74 1.55 26.94 0.28 6.14 3.79 2.40 32.35 3.64 1.06 2.20 2.29 10.63 9.13
2. Loan Loss Provision 14.36 50.32 13.57 23.25 216.51 30.02 20.25 23.42 81.57 15.37 1809.08 18.42 32.50 15.66 24.65
3. Interest Suspense a/c 4.97 27.95 14.92 39.51 13.23 13.12 82.62 8.94 357.56 13.03 43.64 20.51 4.59
4. Others 18.33 5.93 8.49 18.77 108.47 67.33 22.58 13.74 161.37 23.15 1023.88 34.30 48.60 49.15 41.03
6 Reconcillation A/c 0.72 342.37 585.44 ‐9.04 0.10 ‐0.22 0.40 0.03
7 Profit & Loss A/c 16.70 25.94 14.59 19.68 5.67 14.69 28.19 16.41 25.73 21.46 41.45 19.42
TOTAL LIABILITIES 1300.20 1413.41 1027.19 2518.19 2502.26 3461.68 1121.77 1491.83 10106.37 1091.49 4622.45 1976.99 2503.81 2531.32 2392.48
Assets
1 LIQUID FUNDS 436.59 464.97 338.00 509.07 937.61 699.05 206.68 391.43 1017.22 383.37 161.62 568.88 622.36 779.23 704.03
a. Cash Balance 34.15 22.57 66.64 39.52 34.92 72.01 32.57 37.88 186.46 26.04 25.77 50.45 56.78 45.14 59.41
Nepalese Notes & Coins 34.15 22.56 66.64 39.52 34.92 72.01 32.57 36.41 183.14 26.04 24.30 48.67 56.09 45.01 59.29
Foreign Currency 0.01 1.47 3.32 1.48 1.79 0.69 0.13 0.12
b. Bank Balance 64.23 442.40 31.91 186.44 311.97 74.04 174.11 172.27 494.60 10.56 0.68 518.42 565.58 90.55 109.93
1. In Nepal Rastra Bank 53.29 7.91 31.91 0.11 26.08 7.48 66.70 395.39 0.99 0.56 91.84 89.14 89.07 108.32
Domestic Currency 53.29 7.91 31.91 0.11 26.08 7.48 66.70 394.35 0.99 0.28 91.84 88.67 89.07 108.32
Foreign Currency 1.04 0.28 0.47
2. "A"Class Licensed Institution 10.94 398.04 180.21 285.88 17.45 64.30 92.47 81.56 7.66 0.11 299.31 391.85 1.49 1.62
Domestic Currency 10.94 398.04 180.21 285.88 17.45 64.30 92.47 81.52 7.66 0.11 299.31 390.98 1.49 1.62
Foreign Currency 0.04 0.87
3. Other Financial Ins. 36.45 6.12 49.11 109.81 4.60 1.91 127.28 84.59
4. In Foreign Banks 8.50 17.65
c. Money at Call 338.21 239.46 283.12 590.72 553.00 181.28 336.16 346.77 135.17 643.54 534.69
Domestic Currency 338.21 239.46 283.12 590.72 553.00 181.28 331.82 346.77 134.89 643.54 534.69
Foreign Currency 4.33 0.28
2 INVESTMENT IN SECURITIES 1.32 25.20 17.97 0.99 1218.42 25.00
a. Govt.Securities 25.20 17.97 0.99 1218.42 25.00
b. NRB Bond
c. Govt.Non‐Fin. Ins.
d. Other Non‐Fin Ins. 1.32
e Non Residents
3 SHARE & OTHER INVESTMENT 40.00 0.40 3.00 1.67 40.10 0.50 157.26 2.80 67.06 86.00 145.62 6.10
a. Non Residents 83.00
b. Others 40.00 0.40 3.00 1.67 40.10 0.50 157.26 2.80 67.06 3.00 145.62 6.10
4 LOANS & ADVANCES 783.22 855.88 541.90 1534.99 1218.00 2016.90 832.52 1012.03 7004.19 603.10 2321.67 1237.29 1676.35 1455.41 1555.54
a. Private Sector 783.22 834.38 541.90 1534.99 1218.00 2016.90 832.52 1012.03 6892.94 603.10 2321.67 1237.29 1676.35 1455.41 1555.54
b. Financial Institutions 20.00 84.34
c. Government Organizations 1.50 26.91
5 BILL PURCHASED 25.67
a. Domestic Bills Purchased 25.67
b. Foreign Bills Purchased
c. Import Bills & Imports
6 LOANS AGAINST COLLECTED BILLS
a. Against Domestic Bills
b. Against Foreign Bills
7 FIXED ASSETS 9.06 27.26 35.60 69.79 34.71 39.94 37.46 35.67 433.26 56.61 102.36 113.88 42.47 107.31 50.95
8 OTHER ASSETS 31.30 65.00 96.64 35.23 130.94 55.05 26.65 51.49 276.03 45.61 705.71 56.95 70.93 43.75 50.87
a. Accrued Interest: 4.97 28.09 13.73 39.51 13.23 0.26 13.12 116.39 8.94 357.56 13.38 46.63 20.51 4.59
b. Staff Loans / Adv. 3.49 4.41 24.73 16.69 0.25 1.91 1.83 11.91 46.62 4.24 41.57 10.55 1.36 1.05 19.91
c. Sundry Debtors 16.07 7.95 17.65 11.81 13.75 24.69 14.25 19.99 21.90 18.19 5.10 21.03 9.21 2.72 18.07
d. Cash In Transit
e. Others 6.77 24.55 40.52 6.73 77.43 15.22 10.30 6.47 91.12 14.24 301.48 12.00 13.73 19.47 8.30
9 Expenses not Written off 0.02 2.53 11.52 0.22 26.57 1.38
10 Non Banking Assets 437.02
11 Reconcillation Account ‐0.10 2.94 342.12 ‐0.01 585.44 0.00 4.31
12 Profit & Loss A/c 6.58 167.82 800.44
TOTAL ASSETS 1300.20 1413.41 1027.19 2518.19 2502.26 3461.68 1121.77 1491.83 10106.37 1091.49 4622.45 1977.00 2503.81 2531.32 2392.48

13
 Statement of Assets and Liabilities
as on Magh end 2068
Rs. in million

Muktinath

Mahakali
Araniko

Kankai
CEDBL

Miteri
WDBL

Public
Rising
H&B

Tinau
NDEP

Sewa
Excel

Ace
Liabilities

1 CAPITAL FUND 139.77 87.67 954.42 213.38 618.70 1166.18 100.44 120.22 185.33 269.74 126.67 58.23 138.90 42.18 889.86
a. Paid‐up Capital 80.00 60.00 897.93 200.00 582.45 1088.00 90.29 100.00 140.00 200.00 115.00 40.00 150.00 40.00 797.74
b. Calls in Advance 21.60 8.62 1.77
c. General Reserves 16.88 3.67 48.22 8.62 29.08 37.11 10.16 2.09 6.64 69.74 10.40 1.94 3.42 1.90 87.65
d. Share Premium 1.79 5.41 12.86 0.26
e. Retained Earning 22.69 2.40 8.25 4.65 5.31 21.19 18.04 25.82 0.97 7.68 ‐18.00 0.02 0.39
f. Others Reserves Fund 20.20 0.10 12.11 0.09 0.30 1.71 0.01 3.72
g. Exchange Fluctuation Fund 0.02 0.01 0.07 2.36 0.36
2 BORROWINGS 2.18 45.73 813.06 10.17 169.51 690.00
a. NRB 223.30
b. "A"Class Licensed Institution 230.00 690.00
c. Foreign Banks and Fin. Ins. 359.76
d. Other Financial Ins. 2.18 45.73 169.51
e. Bonds and Securities 10.17
3 DEPOSITS 1901.71 534.68 6452.37 389.05 4577.41 4092.46 581.81 1133.49 788.69 2189.90 1707.14 394.43 480.53 249.93 5115.87
a. Current 12.19 11.52 43.45 3.80 125.16 76.33 6.06 6.24 8.55 30.67 16.11 3.51 1.78 64.59
Domestic 12.19 11.52 43.45 3.80 125.16 76.01 6.06 6.24 8.55 30.67 16.11 3.51 1.78 63.35
Foreign 0.33 1.24
b. Savings 1124.82 340.12 2680.54 320.23 1414.73 1241.55 345.57 310.26 417.73 1478.97 882.84 224.88 209.10 213.09 2679.30
Domestic 1124.82 340.12 2680.54 320.23 1414.08 1213.78 345.57 310.26 417.73 1478.97 882.84 224.88 209.10 213.09 2672.39
Foreign 0.65 27.77 6.91
c. Fixed 341.12 103.40 2697.02 64.91 1118.18 1971.29 177.20 466.35 253.66 453.76 342.12 34.14 230.91 36.85 1959.12
Domestic 341.12 103.40 2697.02 64.91 1102.43 1704.73 177.20 466.35 253.66 453.76 342.12 34.14 230.91 36.85 1959.12
Foreign 15.75 266.56
d. Call Deposits 79.12 1019.13 1913.15 767.66 52.97 350.64 108.23 226.50 465.13 131.66 38.74 385.81
e. Others 423.57 0.52 12.24 0.11 6.18 35.63 0.52 0.93 0.25 27.04
4 Bills Payable 2.10 1.44
5 Other Liabilities 56.82 15.59 517.08 40.89 406.08 388.95 17.25 48.49 60.14 123.77 78.60 19.21 98.77 11.08 416.73
1. Sundry Creditors 8.22 1.11 2.29 1.20 14.46 7.12 1.85 0.64 0.72 0.60 1.04 0.98 4.13 2.63 1.42
2. Loan Loss Provision 19.62 11.98 116.87 15.87 105.08 80.10 5.76 12.95 24.87 33.03 15.67 6.84 64.86 4.45 69.49
3. Interest Suspense a/c 5.31 0.74 84.51 10.03 61.59 52.68 3.91 6.47 15.37 15.60 13.29 2.62 20.30 1.92 91.33
4. Others 23.66 1.76 313.41 13.79 224.95 249.04 5.73 28.43 19.18 74.54 48.60 8.77 9.48 2.08 254.49
6 Reconcillation A/c 294.43 13.95 ‐6.00 ‐1.00 79.58 ‐2.64 0.87
7 Profit & Loss A/c 23.98 7.98 10.71 ‐73.78 9.51 12.97 2.44 6.39 33.72 10.44 1.86
TOTAL LIABILITIES 2416.71 659.88 7928.16 648.04 5573.14 6471.60 792.05 1304.63 1050.72 2783.99 1922.85 471.88 718.20 305.93 7112.45
Assets
1 LIQUID FUNDS 844.12 148.67 1852.13 209.17 1268.71 1765.83 175.04 559.65 217.34 741.18 603.33 146.45 112.44 113.51 1746.91
a. Cash Balance 64.15 19.51 147.26 12.06 131.73 94.36 6.03 27.59 32.26 68.31 77.92 23.88 10.72 3.11 71.74
Nepalese Notes & Coins 64.08 19.51 146.38 12.06 125.89 89.47 6.03 27.59 32.26 67.92 77.70 23.88 10.72 2.62 68.90
Foreign Currency 0.08 0.89 5.84 4.90 0.39 0.22 0.00 0.49 2.84
b. Bank Balance 112.75 129.16 1704.87 197.12 192.58 222.81 28.96 444.79 52.56 672.87 525.41 20.29 26.51 110.41 450.72
1. In Nepal Rastra Bank 8.21 0.03 463.17 1.21 189.74 180.44 14.11 0.14 0.20 110.26 84.66 0.05 25.55 4.82 279.26
Domestic Currency 8.21 0.03 463.17 1.21 189.65 179.06 14.11 0.14 0.20 110.26 84.66 0.05 25.55 4.82 278.60
Foreign Currency 0.09 1.37 0.66
2. "A"Class Licensed Institution 104.53 110.38 909.28 75.79 2.77 32.44 14.85 444.66 52.36 368.01 294.18 20.22 0.96 53.80 150.30
Domestic Currency 104.53 110.38 909.28 75.79 2.69 32.44 14.85 444.66 52.36 368.01 294.18 20.22 0.96 53.80 150.30
Foreign Currency 0.08
3. Other Financial Ins. 18.75 332.42 120.11 0.07 194.60 146.57 0.01 51.79 0.01
4. In Foreign Banks 9.93 21.15
c. Money at Call 667.22 944.41 1448.66 140.05 87.27 132.52 102.28 75.21 1224.46
Domestic Currency 667.22 941.40 1321.01 140.05 87.27 132.52 102.28 75.21 1197.81
Foreign Currency 3.00 127.65 26.65
2 INVESTMENT IN SECURITIES 10.00 79.55 20.00 229.65 257.99 10.00 2.50 2.06 426.76
a. Govt.Securities 10.00 79.55 20.00 229.65 245.99 10.00 2.50 2.06 426.76
b. NRB Bond
c. Govt.Non‐Fin. Ins.
d. Other Non‐Fin Ins. 12.00
e Non Residents
3 SHARE & OTHER INVESTMENT 10.50 103.45 5.10 69.81 142.39 0.10 10.20 43.00 32.64 0.30 0.10 0.50 175.27
a. Non Residents
b. Others 10.50 103.45 5.10 69.81 142.39 0.10 10.20 43.00 32.64 0.30 0.10 0.50 175.27
4 LOANS & ADVANCES 1227.59 410.04 5405.52 364.95 3587.64 3909.85 516.95 684.42 727.77 1893.54 1224.10 301.77 483.60 175.02 4265.71
a. Private Sector 1224.75 410.04 5383.17 364.95 3576.48 3804.84 515.45 684.42 727.77 1893.54 1222.73 483.60 174.58 4145.97
b. Financial Institutions 10.27 0.84 89.13 301.77 104.58
c. Government Organizations 2.85 12.07 10.33 15.88 1.50 1.37 0.44 15.16
5 BILL PURCHASED 5.70 0.04
a. Domestic Bills Purchased 5.70
b. Foreign Bills Purchased 0.04
c. Import Bills & Imports
6 LOANS AGAINST COLLECTED BILLS
a. Against Domestic Bills
b. Against Foreign Bills
7 FIXED ASSETS 23.07 9.34 172.28 30.65 242.66 111.35 8.60 19.60 34.69 50.35 31.29 14.91 59.92 4.05 131.09
8 OTHER ASSETS 27.69 71.33 295.93 24.21 174.67 284.20 11.78 27.95 27.60 65.51 48.52 7.56 36.40 10.78 334.29
a. Accrued Interest: 84.67 10.03 93.94 65.94 3.91 6.47 15.37 15.60 13.29 2.62 20.30 1.92 94.69
b. Staff Loans / Adv. 2.53 6.89 49.42 6.64 2.94 5.61 0.63 2.54 7.48 0.16 7.32 2.27 8.77
c. Sundry Debtors 13.67 61.71 3.21 1.08 27.24 56.17 2.69 8.58 1.01 31.23 21.79 1.52 4.94 5.23 5.67
d. Cash In Transit
e. Others 11.48 2.73 158.63 6.46 50.54 156.48 4.55 12.90 11.21 16.14 5.96 3.27 3.84 1.36 225.16
9 Expenses not Written off 2.82 0.33 0.78 5.30 0.02
10 Non Banking Assets
11 Reconcillation Account 294.24 8.08 ‐6.05 79.58 0.48
12 Profit & Loss A/c 5.54 0.61 23.35 32.36
TOTAL ASSETS 2416.71 659.88 7928.16 648.04 5573.14 6471.60 792.05 1304.63 1050.72 2783.99 1922.85 471.88 718.20 305.93 7112.45

14
 Statement of Assets and Liabilities
as on Magh end 2068
Rs. in million

Kasthamand

Professional
Shangrila

Resunga
Bhargav

Kamana
Country

Garima

Bishow
Alpine

Kabeli
diyalo

Nilgiri
Rara

City
Liabilities

ap
1 CAPITAL FUND 91.50 334.66 77.71 223.40 113.43 329.49 105.87 53.84 510.52 232.50 262.17 254.19 102.23 23.67 215.37
a. Paid‐up Capital 94.49 320.00 70.38 200.10 100.00 320.00 100.00 50.00 480.81 200.00 220.00 240.00 100.00 20.00 200.00
b. Calls in Advance 1.50
c. General Reserves 0.97 10.08 4.43 1.47 4.94 8.99 4.21 3.67 9.31 14.24 14.95 10.61 2.05 1.30
d. Share Premium 1.28 9.51
e. Retained Earning ‐3.96 2.66 1.08 21.83 8.33 0.88 0.17 20.40 18.26 26.71 0.56 0.17 0.87 5.86
f. Others Reserves Fund 1.91 0.54 0.16 0.50 0.77 0.50 3.03 0.01
g. Exchange Fluctuation Fund 0.00
2 BORROWINGS
a. NRB
b. "A"Class Licensed Institution
c. Foreign Banks and Fin. Ins.
d. Other Financial Ins.
e. Bonds and Securities
3 DEPOSITS 196.69 2192.90 995.69 322.22 420.20 1218.18 484.17 420.53 3518.44 1698.99 1941.79 1842.87 235.69 249.54 1284.59
a. Current 1.59 1.51 7.83 11.56 1.27 43.03 28.43 3.70 19.51 1.54 4.26 17.07
Domestic 1.59 1.51 7.83 11.56 1.27 43.02 28.43 3.70 19.51 1.54 4.26 17.07
Foreign 0.01
b. Savings 120.12 1287.37 906.88 266.22 116.56 168.83 298.12 208.93 1565.55 1018.35 1077.18 668.32 90.93 189.26 680.96
Domestic 120.12 1287.37 906.88 266.22 116.56 168.83 298.12 208.93 1564.72 1018.35 1077.18 668.32 90.93 189.26 680.96
Foreign 0.83
c. Fixed 40.22 639.86 88.40 51.45 135.83 430.03 104.07 133.54 950.11 417.68 570.39 734.14 29.25 41.43 316.17
Domestic 40.22 639.86 88.40 51.45 135.83 430.03 104.07 133.54 950.11 417.68 570.39 734.14 29.25 41.43 316.17
Foreign
d. Call Deposits 34.75 261.28 166.01 611.49 70.38 76.37 957.10 234.53 289.76 420.89 113.97 14.59 270.38
e. Others 4.39 0.41 4.55 0.30 0.05 0.43 2.65 0.75
4 Bills Payable 0.12 0.04
5 Other Liabilities 12.62 102.03 34.61 25.74 17.96 92.44 41.26 28.00 249.92 78.01 141.31 150.26 7.92 7.03 64.19
1. Sundry Creditors 0.43 0.74 4.98 0.65 0.35 2.12 8.13 0.09 2.89 14.33 0.00 1.83 1.70 0.40 1.78
2. Loan Loss Provision 4.74 29.11 10.84 6.11 3.48 19.39 9.87 4.07 43.25 14.62 21.13 18.77 2.12 2.54 13.72
3. Interest Suspense a/c 2.73 23.08 5.74 6.45 5.38 12.06 8.10 6.08 37.04 13.97 19.91 22.73 1.33 2.19 16.37
4. Others 4.72 49.09 13.05 12.53 8.75 58.87 15.17 17.76 166.74 35.09 100.27 106.93 2.77 1.91 32.32
6 Reconcillation A/c 47.88 0.01 399.26 50.04 1.17 608.65 287.86
7 Profit & Loss A/c 1.21 19.11 11.97 12.36 2.93 2.02 6.25 5.18 21.16 14.09 19.81 4.07 0.38 14.99
TOTAL LIABILITIES 349.89 2648.71 1519.24 633.76 554.52 1642.14 638.73 507.55 4887.52 2318.52 2359.47 2267.13 349.90 280.62 1579.18
Assets
1 LIQUID FUNDS 120.31 736.95 512.78 246.54 185.18 546.17 132.01 159.39 1133.15 512.33 591.90 549.54 166.88 65.18 442.13
a. Cash Balance 4.84 38.86 29.12 15.93 7.26 26.22 21.52 12.09 69.67 34.82 37.72 16.56 8.55 18.13 31.36
Nepalese Notes & Coins 4.83 38.28 29.12 15.93 7.26 26.22 21.19 11.58 69.19 34.76 37.64 16.56 8.55 18.13 31.03
Foreign Currency 0.00 0.58 0.32 0.51 0.48 0.06 0.08 0.33
b. Bank Balance 115.48 698.09 51.73 97.57 177.92 75.50 42.11 24.34 1063.48 106.08 554.18 93.75 11.60 16.22 410.77
1. In Nepal Rastra Bank 11.01 110.45 4.80 18.82 67.10 5.65 0.01 154.76 86.08 97.87 93.75 0.09 1.66 65.38
Domestic Currency 11.01 110.45 4.80 18.82 67.10 5.65 0.01 154.76 86.08 97.87 93.75 0.09 1.66 65.38
Foreign Currency
2. "A"Class Licensed Institution 70.50 451.83 29.14 16.31 2.56 8.24 29.09 24.33 637.80 317.78 11.50 14.56 192.46
Domestic Currency 70.50 451.83 29.14 16.31 2.56 8.24 29.09 24.33 635.48 317.78 11.50 14.56 192.46
Foreign Currency 2.32
3. Other Financial Ins. 33.97 135.81 17.78 81.26 156.55 0.16 7.37 270.92 20.00 138.53 0.02 152.93
4. In Foreign Banks
c. Money at Call 431.93 133.04 444.45 68.38 122.96 371.43 439.24 146.73 30.83
Domestic Currency 431.93 133.04 444.45 68.38 122.96 371.43 439.24 146.73 30.83
Foreign Currency
2 INVESTMENT IN SECURITIES 3.20 10.00 17.15 173.08 15.00
a. Govt.Securities 3.20 10.00 17.15 173.08 15.00
b. NRB Bond
c. Govt.Non‐Fin. Ins.
d. Other Non‐Fin Ins.
e Non Residents
3 SHARE & OTHER INVESTMENT 1.00 20.50 10.50 0.50 163.06 51.48 1.50 0.10 41.00
a. Non Residents
b. Others 1.00 20.50 10.50 0.50 163.06 51.48 1.50 0.10 41.00
4 LOANS & ADVANCES 162.47 1821.82 570.30 288.19 341.85 1014.69 450.73 323.27 2527.27 1453.62 1590.52 1594.54 171.90 191.64 1021.90
a. Private Sector 162.47 1821.82 570.30 288.19 341.85 1002.31 450.73 323.27 2468.48 1453.58 1586.45 1594.54 171.90 191.64 1021.90
b. Financial Institutions 0.52 55.22
c. Government Organizations 11.86 3.58 0.03 4.07
5 BILL PURCHASED 1.20
a. Domestic Bills Purchased 1.20
b. Foreign Bills Purchased
c. Import Bills & Imports
6 LOANS AGAINST COLLECTED BILLS
a. Against Domestic Bills
b. Against Foreign Bills
7 FIXED ASSETS 6.51 45.96 10.66 9.67 5.66 31.17 16.48 7.51 123.24 29.60 53.00 57.19 6.47 18.15 38.47
8 OTHER ASSETS 6.71 42.99 24.63 17.97 11.57 22.45 38.51 17.35 131.40 33.01 53.68 64.35 4.53 5.65 35.40
a. Accrued Interest: 2.73 23.15 5.74 6.45 5.38 12.06 8.10 6.11 45.56 13.97 19.91 23.26 1.33 2.39 16.37
b. Staff Loans / Adv. 1.77 2.06 0.00 0.22 0.60 1.01 0.53 5.39 0.29 6.44 0.05 0.11 0.10
c. Sundry Debtors 0.25 3.37 15.16 0.09 3.05 1.05 24.31 1.64 55.58 0.32 0.00 5.53 1.70 1.53 9.06
d. Cash In Transit
e. Others 1.96 14.40 3.73 11.42 2.92 8.74 5.08 9.06 24.87 18.43 27.32 35.52 1.38 1.64 9.97
9 Expenses not Written off 0.26 0.50 7.43 2.11 3.90
10 Non Banking Assets 1.68
11 Reconcillation Account 49.01 400.87 50.91 0.03 616.56 287.86 0.02 0.29
12 Profit & Loss A/c 11.12
TOTAL ASSETS 349.89 2648.71 1519.24 633.76 554.52 1642.14 638.73 507.55 4887.53 2318.52 2359.47 2267.12 349.90 280.62 1579.18

15
 Statement of Assets and Liabilities
as on Magh end 2068
Rs. in million

Matribhumi
Pathibhara
Corporate

Kanchan
Purnima

Bagmati

Hamro

Pacific

Bright
Gulmi
Kakre

Shine
Jyoti

Civic

IDBL
Liabilities

1 CAPITAL FUND 274.66 109.78 112.53 762.37 26.35 41.77 21.21 211.00 43.37 28.19 493.03 18.65 75.84 30.75 109.64
a. Paid‐up Capital 200.00 100.00 100.00 740.00 26.50 21.00 18.00 200.00 39.00 14.00 448.00 17.50 70.00 15.40 98.00
b. Calls in Advance 20.28 14.00 13.20
c. General Reserves 7.61 2.60 2.65 17.81 ‐0.15 0.50 8.00 0.87 0.04 8.08 1.15 1.17 0.43 2.20
d. Share Premium 0.14
e. Retained Earning 67.05 6.73 3.89 2.80 3.21 1.86 3.50 0.15 32.29 4.67 1.72 9.44
f. Others Reserves Fund 0.31 6.00 1.75 1.14 4.67
g. Exchange Fluctuation Fund 0.00
2 BORROWINGS
a. NRB
b. "A"Class Licensed Institution
c. Foreign Banks and Fin. Ins.
d. Other Financial Ins.
e. Bonds and Securities
3 DEPOSITS 974.41 810.08 664.48 2824.97 101.66 212.83 200.51 1574.49 320.49 84.08 3525.12 295.30 584.68 147.16 360.80
a. Current 6.52 5.39 24.85 199.63 12.48 0.87 22.22 2.03 34.99 0.03 3.19
Domestic 6.52 5.39 24.85 199.62 12.48 0.87 22.22 2.03 34.99 0.03 3.19
Foreign 0.01
b. Savings 360.32 475.83 366.29 1211.24 66.88 113.31 164.92 882.51 191.39 74.19 1362.01 264.73 519.69 81.04 98.22
Domestic 360.32 475.83 366.29 1205.21 66.88 113.31 164.92 882.51 191.39 74.19 1362.01 264.73 519.69 81.04 98.22
Foreign 6.03
c. Fixed 480.63 83.24 176.59 757.25 13.50 51.18 34.71 400.02 43.33 9.89 1343.68 30.57 65.00 31.68 50.17
Domestic 480.63 83.24 176.59 757.25 13.50 51.18 34.71 400.02 43.33 9.89 1343.68 30.57 65.00 31.68 50.17
Foreign
d. Call Deposits 124.11 245.62 96.75 633.09 21.02 35.86 267.54 83.69 779.50 34.41 209.09
e. Others 2.83 23.76 0.26 2.20 0.05 4.94 0.13
4 Bills Payable 0.86
5 Other Liabilities 94.31 29.35 26.31 250.91 7.67 6.54 2.36 63.77 8.30 4.69 363.49 8.21 22.37 5.79 20.64
1. Sundry Creditors 9.76 0.27 3.12 1.53 4.41 1.94 0.14 11.94 0.33 1.67 36.58 0.78 1.02 1.17 0.03
2. Loan Loss Provision 21.28 12.93 7.79 60.68 1.00 1.96 1.56 13.28 3.16 0.98 190.08 1.70 5.41 1.74 4.08
3. Interest Suspense a/c 30.43 3.94 3.76 25.48 0.31 0.28 14.71 1.64 0.85 79.43 1.11 5.41 1.24 7.01
4. Others 32.84 12.20 11.64 163.22 1.95 2.64 0.39 23.83 3.17 1.19 57.39 4.62 10.53 1.63 9.51
6 Reconcillation A/c 84.28 0.29 9.85 90.65 109.29 13.17
7 Profit & Loss A/c 1.47 1.44 1.77 20.24 1.49 4.24 3.53 14.91 4.10 1.64 4.86 1.67
TOTAL LIABILITIES 1344.85 1034.93 805.09 3858.49 137.17 265.38 227.61 1864.17 376.55 126.81 4382.49 414.44 797.05 196.88 492.75
Assets
1 LIQUID FUNDS 298.83 260.73 314.38 753.02 35.96 45.41 69.60 493.05 50.55 26.12 1029.44 153.49 214.66 66.97 134.15
a. Cash Balance 3.44 42.12 18.18 56.27 4.51 6.89 9.60 34.51 9.58 2.26 171.66 9.03 9.26 4.97 16.12
Nepalese Notes & Coins 3.44 42.12 18.18 55.84 4.51 6.89 9.60 34.51 9.58 2.26 169.39 8.90 9.26 4.97 16.12
Foreign Currency 0.43 2.27 0.12
b. Bank Balance 295.39 53.93 39.43 200.82 5.85 19.09 60.00 85.76 40.98 3.36 202.81 8.39 205.40 9.78 22.43
1. In Nepal Rastra Bank 44.10 1.41 34.30 170.89 0.09 0.87 5.03 182.22 2.76 18.49
Domestic Currency 44.10 1.41 34.30 170.89 0.09 0.87 5.03 182.22 2.76 18.49
Foreign Currency
2. "A"Class Licensed Institution 168.18 52.53 5.13 29.93 5.85 19.00 50.00 82.47 26.21 2.56 20.58 8.39 122.36 9.78 3.94
Domestic Currency 168.18 52.53 5.13 29.89 5.85 19.00 50.00 82.47 26.21 2.56 20.58 8.39 122.36 9.78 3.94
Foreign Currency 0.04
3. Other Financial Ins. 83.11 0.00 10.00 2.42 9.74 0.80 0.01 0.01 80.28
4. In Foreign Banks
c. Money at Call 164.67 256.76 495.93 25.61 19.43 372.78 20.50 654.97 136.07 52.22 95.60
Domestic Currency 164.67 256.76 487.43 25.61 19.43 372.78 20.50 648.91 136.07 52.22 95.60
Foreign Currency 8.50 6.06
2 INVESTMENT IN SECURITIES 217.01 1.00 10.27 68.43
a. Govt.Securities 217.01 1.00 10.27 68.43
b. NRB Bond
c. Govt.Non‐Fin. Ins.
d. Other Non‐Fin Ins.
e Non Residents
3 SHARE & OTHER INVESTMENT 14.63 20.10 0.57 0.10 1.00 51.00 20.10 0.10
a. Non Residents 14.63
b. Others 20.10 0.57 0.10 1.00 51.00 20.10 0.10
4 LOANS & ADVANCES 937.78 643.87 462.04 2661.13 94.67 199.50 148.58 1281.35 307.57 79.05 2811.03 160.77 411.46 108.59 332.48
a. Private Sector 937.38 643.34 462.04 2647.78 94.67 199.50 148.58 1281.35 307.02 79.05 2731.49 156.27 411.46 108.59 330.73
b. Financial Institutions 0.40 8.75 0.56 79.54 1.75
c. Government Organizations 0.53 4.60 4.50
5 BILL PURCHASED 2.50
a. Domestic Bills Purchased 2.50
b. Foreign Bills Purchased
c. Import Bills & Imports
6 LOANS AGAINST COLLECTED BILLS
a. Against Domestic Bills
b. Against Foreign Bills
7 FIXED ASSETS 35.42 23.41 17.02 91.55 3.90 15.04 5.58 28.83 7.60 6.71 128.03 7.65 20.78 4.32 13.69
8 OTHER ASSETS 55.69 20.38 9.60 112.61 2.31 3.35 3.75 49.66 10.64 3.40 156.65 2.85 21.02 3.17 12.33
a. Accrued Interest: 30.52 3.94 4.43 28.30 0.31 0.90 15.96 1.64 0.85 79.50 1.11 6.10 1.24 7.01
b. Staff Loans / Adv. 1.84 16.15 0.88 0.53 0.37 9.11 1.23 0.64 0.22 0.42 0.06 0.04
c. Sundry Debtors 10.54 2.61 5.94 0.37 0.07 0.28 5.62 5.84 0.27 9.62 0.02 2.58
d. Cash In Transit
e. Others 25.17 4.06 2.57 62.21 0.76 1.85 3.10 24.60 2.15 1.91 71.09 1.47 4.88 1.85 2.70
9 Expenses not Written off 2.25 2.05 3.08 0.33 0.51 0.18 0.76 0.09
10 Non Banking Assets
11 Reconcillation Account 84.28 9.85 89.68 109.04 13.18
12 Profit & Loss A/c 0.91 137.90 0.56
TOTAL ASSETS 1344.85 1034.93 805.09 3858.49 137.17 265.38 227.61 1864.17 376.55 126.81 4382.49 414.44 797.05 196.88 492.75

16
 Statement of Assets and Liabilities
as on Magh end 2068
Rs. in million

Mt. Makalu
Innovative

Gaumukhi

Consumer
Raptiveri

Khadbari

Tourism
Jhimruk

Mission

Sindhu

Sahara
Metro

Social
Surya
Vibor
Liabilities

1 CAPITAL FUND 68.86 15.29 81.54 749.43 16.74 75.88 156.72 35.82 451.66 67.97 13.64 13.90 44.23 12.38 397.46
a. Paid‐up Capital 66.25 12.00 70.00 681.83 14.00 75.01 140.00 35.00 400.00 70.00 15.00 14.00 51.00 14.00 382.65
b. Calls in Advance 7.50 6.30
c. General Reserves 0.52 ‐4.31 2.32 29.59 ‐3.56 0.30 3.34 0.82 9.45 0.39 ‐6.77 ‐1.62 2.15
d. Share Premium
e. Retained Earning 2.08 9.21 9.18 0.21 13.38 37.70 ‐2.41 ‐1.36 ‐0.10 8.60
f. Others Reserves Fund 0.10 28.84 0.36 4.40 4.06
g. Exchange Fluctuation Fund 0.11
2 BORROWINGS 561.50 3.00 40.00 4.48 5.92
a. NRB
b. "A"Class Licensed Institution 460.00 20.00
c. Foreign Banks and Fin. Ins.
d. Other Financial Ins. 101.50 20.00 4.48 5.92
e. Bonds and Securities 3.00
3 DEPOSITS 492.27 161.88 566.66 2466.37 94.44 145.04 407.67 66.96 1510.54 488.57 72.65 45.43 356.57 85.72 425.06
a. Current 16.31 4.18 10.76 21.37 1.47 3.09 9.20 2.67 71.73 0.59 3.94 0.02 31.83 0.58
Domestic 16.31 4.18 10.76 21.37 1.47 3.09 9.20 2.67 66.54 0.59 3.94 0.02 31.83 0.58
Foreign 5.20
b. Savings 206.46 102.34 275.91 589.22 78.80 92.69 158.46 51.08 574.92 245.56 36.06 36.57 195.81 48.83 40.37
Domestic 206.46 102.34 275.91 589.22 78.80 92.69 158.46 51.08 574.81 245.56 36.06 36.57 195.81 48.83 40.37
Foreign 0.11
c. Fixed 109.32 18.10 175.93 1469.98 5.92 42.19 128.77 9.35 399.24 81.53 21.97 3.74 51.67 3.50 118.09
Domestic 109.32 18.10 175.93 1469.98 5.92 42.19 128.77 9.35 399.24 81.53 21.97 3.74 51.67 3.50 118.09
Foreign
d. Call Deposits 160.18 37.26 104.07 384.85 8.13 7.07 110.95 3.86 443.04 160.90 10.68 5.10 1.40 266.03
e. Others 0.95 0.13 0.29 21.61 109.09 0.15
4 Bills Payable 0.04 0.71 3.74 0.01
5 Other Liabilities 14.23 3.99 24.01 452.73 3.12 7.57 22.92 3.80 74.54 13.12 2.51 2.48 10.10 1.97 59.14
1. Sundry Creditors 0.18 0.43 1.00 0.57 0.15 1.27 2.11 2.35 0.09 1.11 0.19 1.90 0.00
2. Loan Loss Provision 3.25 1.36 5.17 85.33 0.98 2.33 3.89 0.67 15.27 3.65 0.49 0.41 2.96 0.63 5.47
3. Interest Suspense a/c 2.45 1.35 6.29 67.03 1.20 2.53 5.51 0.18 26.16 2.56 0.40 1.82 2.76 0.50 27.46
4. Others 8.36 0.85 11.55 299.80 0.80 1.44 11.41 0.62 33.02 6.91 0.51 0.06 2.49 0.84 26.21
6 Reconcillation A/c 0.01 9.58 31.29 1.47 0.01
7 Profit & Loss A/c 0.20 0.73 3.48 1.09 2.80 5.41 0.90 6.38 1.39 0.32
TOTAL LIABILITIES 575.61 181.89 675.69 4230.74 127.96 262.59 632.73 108.96 2051.34 575.59 88.79 63.21 410.90 100.38 881.67
Assets
1 LIQUID FUNDS 197.07 34.60 133.48 119.85 25.20 55.55 208.48 27.98 496.95 165.92 26.59 17.07 82.50 28.55 202.09
a. Cash Balance 13.82 5.74 12.65 23.35 4.00 11.68 4.98 1.60 75.04 18.37 4.73 6.58 13.17 7.04 8.36
Nepalese Notes & Coins 13.82 5.60 12.65 23.35 3.75 11.67 4.98 1.60 69.82 18.37 4.73 6.58 12.78 7.04 8.36
Foreign Currency 0.14 0.25 0.01 5.22 0.39
b. Bank Balance 24.97 15.77 32.13 96.50 5.29 8.19 20.29 4.92 101.38 25.55 3.50 2.85 7.24 21.51 193.72
1. In Nepal Rastra Bank 24.97 32.13 60.61 8.08 19.33 101.38 1.01 3.50 6.24 47.49
Domestic Currency 24.97 32.13 60.61 8.08 19.33 99.90 1.01 3.50 6.24 47.49
Foreign Currency 1.49
2. "A"Class Licensed Institution 15.67 4.58 5.11 0.12 0.85 4.91 24.54 2.85 1.00 21.51 43.05
Domestic Currency 15.67 4.58 5.11 0.12 0.85 4.91 24.54 2.85 1.00 21.51 43.05
Foreign Currency
3. Other Financial Ins. 0.10 31.32 0.18 0.11 0.01 103.18
4. In Foreign Banks
c. Money at Call 158.28 13.09 88.70 15.92 35.67 183.20 21.46 320.52 122.00 18.36 7.63 62.09
Domestic Currency 158.28 13.09 88.70 15.92 35.67 183.20 21.46 318.39 122.00 18.36 7.63 62.09
Foreign Currency 2.13
2 INVESTMENT IN SECURITIES 90.00 10.00 9.18
a. Govt.Securities 90.00 10.00 9.18
b. NRB Bond
c. Govt.Non‐Fin. Ins.
d. Other Non‐Fin Ins.
e Non Residents
3 SHARE & OTHER INVESTMENT 0.10 206.00 20.20
a. Non Residents 0.10
b. Others 206.00 20.20
4 LOANS & ADVANCES 352.91 138.00 516.96 2039.44 86.49 161.54 389.02 65.69 1418.66 378.03 50.37 41.79 295.97 63.67 542.01
a. Private Sector 352.91 138.00 516.96 1926.94 86.49 161.54 381.52 65.69 1418.66 378.03 50.37 41.79 295.97 63.67 534.01
b. Financial Institutions 107.40 7.50 8.00
c. Government Organizations 5.10
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 17.24 4.85 13.43 127.91 4.00 7.11 19.32 1.85 48.16 22.73 6.58 1.44 16.91 3.92 56.33
8 OTHER ASSETS 8.39 4.18 11.83 1589.21 2.35 7.48 15.90 12.61 77.58 8.11 4.08 2.76 13.59 3.69 42.79
a. Accrued Interest: 2.45 1.35 6.29 67.03 1.20 2.51 5.51 0.18 27.21 2.56 0.40 1.82 2.76 0.54 28.15
b. Staff Loans / Adv. 1.20 24.54 0.05 1.22 3.57 0.42 2.87 0.28 0.27 0.06 2.28
c. Sundry Debtors 3.50 1.26 1.85 1.46 0.17 3.16 1.43 11.52 17.93 3.16 2.86 0.54 2.04 2.86
d. Cash In Transit
e. Others 1.24 1.57 3.68 1496.18 0.93 0.59 5.40 0.50 29.57 2.11 0.82 0.40 10.56 1.05 9.50
9 Expenses not Written off 0.16 0.86 0.34 0.47 0.63 0.72 0.15 0.55
10 Non Banking Assets 17.34
11 Reconcillation Account 0.10 9.58 30.92 0.01
12 Profit & Loss A/c 40.02 0.35 0.17 0.46 1.94 9.07
TOTAL ASSETS 575.61 181.89 675.69 4230.74 127.96 262.59 632.73 108.96 2051.34 575.59 88.79 63.21 410.90 100.38 881.67

17
 Statement of Assets and Liabilities
as on Magh end 2068
Rs. in million

Nepal Aawas
Samabriddhi

NIDC Capital

Merchantile
Kalinchowk

Kathmandu
Narayani
Manaslu

National
Finance
Cosmos

Peoples
NSMFL
NCDBL

Nepal
Ekata

AFCL
Liabilities

1 CAPITAL FUND 64.73 14.98 68.37 70.90 60.00 51.21 221.60 184.75 340.22 874.47 824.08 ‐167.13 ‐342.67 35.48 184.46
a. Paid‐up Capital 70.00 17.50 70.00 70.00 60.00 51.00 176.10 135.86 233.56 647.48 704.29 2034.29 289.01 18.00 154.66
b. Calls in Advance
c. General Reserves 0.06 44.30 40.00 77.86 126.36 105.96 58.80 26.20 6.07 27.21
d. Share Premium 12.79 2.48 10.74 0.22
e. Retained Earning ‐7.69 ‐2.52 ‐1.63 0.22 0.21 0.80 0.28 25.70 80.03 11.49 ‐2271.98 ‐670.09 0.18 2.36
f. Others Reserves Fund 2.42 0.62 0.40 8.61 3.09 7.80 2.34 9.29 1.47 11.23
g. Exchange Fluctuation Fund
2 BORROWINGS 23.00 47.50 441.19 30.00
a. NRB
b. "A"Class Licensed Institution 23.00 47.50 346.60
c. Foreign Banks and Fin. Ins.
d. Other Financial Ins. 94.59 30.00
e. Bonds and Securities
3 DEPOSITS 339.21 74.22 168.34 67.51 94.45 27.95 458.40 575.53 1252.90 2756.65 3978.60 1813.60 580.91 42.77 388.44
a. Current 4.28 0.74 1.22 1.71 0.09 6.97 40.91
Domestic 4.28 0.74 1.22 1.71 0.09 6.97 40.91
Foreign
b. Savings 80.43 69.71 98.90 38.63 53.61 8.27 80.00 112.35 389.06 675.06 1403.01 1088.96 134.25 101.33
Domestic 80.43 69.71 98.90 38.63 53.61 8.27 80.00 112.35 389.06 675.06 1403.01 1088.96 134.25 101.33
Foreign
c. Fixed 63.69 4.47 13.27 7.97 5.75 3.70 357.50 459.86 798.44 2050.73 1878.56 724.64 431.50 42.68 287.11
Domestic 63.69 4.47 13.27 7.97 5.75 3.70 357.50 459.86 798.44 2050.73 1878.56 724.64 431.50 42.68 287.11
Foreign
d. Call Deposits 190.82 55.43 19.66 33.39 15.90 58.42 656.12
e. Others 0.05 0.03 20.90 3.32 30.86 15.16 0.09
4 Bills Payable
5 Other Liabilities 14.47 2.52 5.18 3.83 6.40 0.51 105.10 220.17 262.56 308.18 307.58 4315.49 774.11 3.26 48.40
1. Sundry Creditors 0.74 1.37 0.32 0.23 39.60 12.10 38.20 7.05 9.70 25.05 23.30 0.05 1.12
2. Loan Loss Provision 2.31 0.45 1.45 0.32 0.65 0.16 25.30 32.81 55.13 91.42 104.29 2929.21 669.04 1.95 24.48
3. Interest Suspense a/c 1.05 0.38 1.08 0.06 20.10 46.97 104.74 75.12 62.90 741.42 73.46 5.42
4. Others 11.10 0.95 1.29 3.19 5.45 0.35 20.10 128.29 64.48 134.59 130.69 619.80 8.31 1.27 17.39
6 Reconcillation A/c 0.20 0.46
7 Profit & Loss A/c 0.72 0.05 1.60 14.48 8.92 44.48 59.66 4.35 0.81
TOTAL LIABILITIES 418.41 91.71 242.10 142.96 160.90 79.67 786.70 1003.91 1917.65 3948.22 5154.73 6403.15 1102.02 85.86 622.10
Assets
1 LIQUID FUNDS 151.31 28.80 54.52 31.79 63.27 57.56 264.70 105.62 460.78 795.43 1179.93 14.71 110.77 10.97 178.88
a. Cash Balance 7.64 5.68 5.41 4.45 3.35 0.73 0.90 2.89 3.70 38.56 93.13 8.18 4.98 2.60 2.28
Nepalese Notes & Coins 7.64 5.68 5.30 4.45 3.35 0.73 0.90 2.89 3.70 38.56 92.92 8.18 4.98 2.60 2.28
Foreign Currency 0.11 0.21
b. Bank Balance 36.96 3.65 9.99 27.35 59.92 56.83 199.70 102.73 457.08 756.87 268.24 22.02 45.69 8.38 176.60
1. In Nepal Rastra Bank 17.73 3.95 2.03 24.60 13.58 207.53 58.19 262.92 4.24 45.33 0.86 26.67
Domestic Currency 17.73 3.95 2.03 24.60 13.58 207.53 58.19 262.92 4.24 45.33 0.86 26.67
Foreign Currency
2. "A"Class Licensed Institution 19.24 3.65 9.99 5.12 13.46 26.88 93.80 77.02 60.14 617.24 5.32 16.61 0.37 0.23 149.94
Domestic Currency 19.24 3.65 9.99 5.12 13.46 26.88 93.80 77.02 60.14 617.24 5.32 16.61 0.37 0.23 149.94
Foreign Currency
3. Other Financial Ins. 18.28 44.43 29.94 81.30 12.14 189.41 81.44 1.17 7.30
4. In Foreign Banks
c. Money at Call 106.71 19.48 39.12 64.10 818.56 ‐15.49 60.09
Domestic Currency 106.71 19.48 39.12 64.10 818.56 ‐15.49 60.09
Foreign Currency
2 INVESTMENT IN SECURITIES 25.00 24.55 55.27 79.94 108.65 10.91 3.00 7.29
a. Govt.Securities 25.00 24.55 55.27 79.94 108.65 10.91 3.00 7.29
b. NRB Bond
c. Govt.Non‐Fin. Ins.
d. Other Non‐Fin Ins.
e Non Residents
3 SHARE & OTHER INVESTMENT 0.20 27.04 82.36 36.47 92.48 107.42 4.50 4.68 37.96
a. Non Residents
b. Others 0.20 27.04 82.36 36.47 92.48 107.42 4.50 4.68 37.96
4 LOANS & ADVANCES 231.33 52.26 152.29 97.20 88.41 15.89 441.40 670.53 1110.05 2710.56 3533.67 4210.29 781.83 65.79 366.85
a. Private Sector 231.33 52.26 152.29 88.41 15.89 441.40 670.53 1110.05 2710.56 3533.67 4114.38 781.83 65.79 366.85
b. Financial Institutions 97.20 62.50
c. Government Organizations 33.42
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 23.93 6.73 17.57 11.12 1.96 4.47 5.00 9.85 45.71 115.63 129.13 166.40 124.26 0.85 18.52
8 OTHER ASSETS 8.22 0.81 15.19 2.85 7.26 1.17 50.40 143.98 145.00 202.14 108.66 1476.28 80.67 0.56 12.41
a. Accrued Interest: 1.05 0.38 1.08 27.90 47.83 105.38 75.12 62.90 738.68 73.60 5.42
b. Staff Loans / Adv. 0.18 0.01 0.25 0.03 12.80 0.02 0.32 20.24 8.98 7.19 0.04 0.10
c. Sundry Debtors 0.06 0.01 13.25 0.58 5.37 6.00 11.73 21.09 16.32 16.02 150.19 0.60 0.22 3.17
d. Cash In Transit
e. Others 6.93 0.42 0.62 2.24 1.89 1.17 3.70 84.39 18.20 90.47 20.77 580.22 6.47 0.30 3.73
9 Expenses not Written off 0.59 4.15 2.21
10 Non Banking Assets 3.07 18.49 3.90 1.19 0.19
11 Reconcillation Account 0.03 0.01 5.97
12 Profit & Loss A/c 3.62 3.08 2.52 0.59 18.68 409.98
TOTAL ASSETS 418.41 91.71 242.10 142.96 160.90 79.67 786.70 1003.91 1917.65 3948.22 5154.73 6403.15 1102.02 85.86 622.10

18
 Statement of Assets and Liabilities
as on Magh end 2068
Rs. in million

Paschimanc

Investment
Siddhartha
Samjhana
Himalaya

Universal

Standard
Goodwill

Lumbini
NHMFL
Gorkha

Investa
Union

ILFCO
Yeti
Liabilities

hal

Sri
FC
1 CAPITAL FUND 160.30 234.20 175.41 278.88 278.30 190.87 365.41 212.63 211.54 438.32 75.01 220.73 1102.29 2176.66
a. Paid‐up Capital 140.00 176.20 160.39 178.52 220.30 152.00 300.00 130.87 160.00 268.13 24.00 180.32 1001.88 2008.80
b. Calls in Advance
c. General Reserves 8.30 29.89 14.11 57.49 50.87 37.04 22.93 29.41 50.47 78.39 11.94 30.09 43.38 139.51
d. Share Premium 0.07 0.22 1.41 5.33 1.43 3.59
e. Retained Earning 7.20 26.77 0.23 5.46 1.74 0.54 41.07 52.35 1.07 78.52 32.91 8.45 48.63 24.76
f. Others Reserves Fund 4.80 1.34 0.61 37.42 5.17 1.29 7.97 6.15 0.45 8.40
g. Exchange Fluctuation Fund
2 BORROWINGS 153.80 30.00 236.50 87.50 277.40
a. NRB
b. "A"Class Licensed Institution 153.80 10.00 128.00 87.50 277.40
c. Foreign Banks and Fin. Ins.
d. Other Financial Ins. 20.00 108.50
e. Bonds and Securities
3 DEPOSITS 508.57 972.25 284.32 1496.38 1538.74 920.29 1436.85 987.45 1283.18 1326.41 1085.23 2709.70 1509.08
a. Current 9.73 17.75 11.46
Domestic 9.73 17.75 11.46
Foreign
b. Savings 96.56 174.39 42.96 589.82 124.06 168.57 544.07 441.66 322.78 257.91 371.28 945.34 235.42
Domestic 96.56 174.39 42.96 589.82 124.06 168.57 544.07 441.66 322.78 257.91 371.28 945.34 235.42
Foreign
c. Fixed 412.01 684.94 241.36 906.56 1188.94 715.49 886.74 541.71 960.39 965.16 643.60 1409.84 1153.88
Domestic 412.01 684.94 241.36 906.56 1188.94 715.49 886.74 541.71 960.39 965.16 643.60 1409.84 1153.88
Foreign
d. Call Deposits 58.15 336.72 83.52
e. Others 45.04 225.74 36.23 6.05 4.08 103.35 70.34 0.05 24.80
4 Bills Payable 0.20
5 Other Liabilities 63.68 80.76 73.91 245.85 240.45 126.39 160.29 157.08 89.18 337.56 18.98 107.68 213.65 516.08
1. Sundry Creditors 8.38 1.13 5.64 13.43 12.15 7.42 7.90 4.43 0.04 5.49 0.01 38.16
2. Loan Loss Provision 19.05 27.44 29.05 66.72 57.52 22.93 24.83 22.88 15.49 138.46 15.32 32.26 69.99 187.06
3. Interest Suspense a/c 6.61 21.62 26.96 47.49 47.69 34.11 18.01 11.12 18.20 133.00 32.02 63.40 171.89
4. Others 29.64 31.70 16.77 126.00 135.25 55.92 105.29 115.67 47.59 61.67 3.62 37.91 80.25 118.97
6 Reconcillation A/c 0.00
7 Profit & Loss A/c 9.90 1.27 8.70 5.10 16.03 7.06 28.93 3.73 2.29 3.99 51.11
TOTAL LIABILITIES 886.35 1317.41 533.64 2031.01 2058.76 1482.75 2055.15 1373.19 1590.95 2131.22 97.72 1415.92 4307.03 4252.93
Assets
1 LIQUID FUNDS 163.14 205.79 67.05 463.44 155.57 229.91 231.13 369.87 206.48 319.39 25.22 372.70 1000.53 972.96
a. Cash Balance 8.05 5.25 2.54 12.54 3.83 4.67 53.49 13.66 4.31 4.27 0.00 15.68 85.23 11.48
Nepalese Notes & Coins 8.05 5.25 2.54 12.54 3.83 4.67 53.49 13.66 4.31 4.27 0.00 15.68 85.23 11.48
Foreign Currency
b. Bank Balance 155.08 54.98 49.48 450.89 71.65 77.86 177.64 356.21 202.18 45.84 25.21 60.07 915.30 961.48
1. In Nepal Rastra Bank 32.43 53.41 7.41 29.00 69.22 70.03 29.01 63.46 26.52 32.78 0.01 35.80 131.07 97.00
Domestic Currency 32.43 53.41 7.41 29.00 69.22 70.03 29.01 63.46 26.52 32.78 0.01 35.80 131.07 97.00
Foreign Currency
2. "A"Class Licensed Institution 122.65 1.44 41.30 286.89 2.32 7.83 148.63 189.44 152.15 1.49 25.20 24.21 551.87 764.54
Domestic Currency 122.65 1.44 41.30 286.89 2.32 7.83 148.63 189.44 152.15 1.49 25.20 24.21 551.87 764.54
Foreign Currency
3. Other Financial Ins. 0.13 0.77 135.00 0.12 103.32 23.51 11.57 0.07 232.36 99.94
4. In Foreign Banks
c. Money at Call 145.56 15.04 80.09 147.39 269.28 296.95
Domestic Currency 145.56 15.04 80.09 147.39 269.28 296.95
Foreign Currency
2 INVESTMENT IN SECURITIES 44.97 12.76 32.50 94.86 20.00 132.18 10.00 45.49 53.63 22.50 30.63 159.75 167.05
a. Govt.Securities 44.97 12.76 32.50 43.29 20.00 132.18 10.00 45.49 53.63 22.50 30.63 159.75 167.05
b. NRB Bond
c. Govt.Non‐Fin. Ins.
d. Other Non‐Fin Ins. 51.58
e Non Residents
3 SHARE & OTHER INVESTMENT 0.07 6.12 0.73 13.23 17.45 3.57 69.37 0.49 0.30 20.96 0.64 27.16 51.26
a. Non Residents
b. Others 0.07 6.12 0.73 13.23 17.45 3.57 69.37 0.49 0.30 20.96 0.64 27.16 51.26
4 LOANS & ADVANCES 675.91 961.78 360.57 1325.27 1503.39 1037.65 1282.37 909.81 1179.44 1539.23 39.90 929.47 2763.42 2764.67
a. Private Sector 675.91 961.78 360.57 1325.27 1503.39 1282.37 909.81 1179.44 1539.23 929.47 2763.42 2733.67
b. Financial Institutions 1027.68 39.90 31.00
c. Government Organizations 9.97
5 BILL PURCHASED 3.30
a. Domestic Bills Purchased 3.30
b. Foreign Bills Purchased
c. Import Bills & Imports
6 LOANS AGAINST COLLECTED BILLS
a. Against Domestic Bills
b. Against Foreign Bills
7 FIXED ASSETS 16.47 31.89 55.87 47.19 132.71 103.69 245.19 20.94 123.93 14.39 2.29 17.39 195.70 71.53
8 OTHER ASSETS 19.70 59.13 28.52 143.49 153.37 85.51 84.11 56.92 31.88 169.91 7.82 56.42 134.53 214.01
a. Accrued Interest: 6.61 21.62 27.02 53.72 47.69 77.21 18.01 11.12 19.48 133.00 3.26 32.40 63.40 177.44
b. Staff Loans / Adv. 7.14 6.99 11.57 6.21 1.73 11.06 0.59 1.59 0.15 0.86 8.10
c. Sundry Debtors 0.89 16.59 0.34 5.59 3.76 0.26 15.21 3.10 0.01 15.50 0.00 11.10
d. Cash In Transit 0.43
e. Others 5.06 13.93 1.15 72.18 99.47 4.53 64.11 19.52 8.72 35.32 4.41 7.67 63.03 25.47
9 Expenses not Written off 0.26 0.05 1.43 10.80 11.41
10 Non Banking Assets 1.55 5.43 1.41 0.98 5.16 3.43 8.67 22.62 0.05
11 Reconcillation Account 1.77 2.00 0.47 13.72 0.03
12 Profit & Loss A/c 7.73 5.47 8.10
TOTAL ASSETS 886.35 1317.41 533.64 2031.01 2058.76 1482.75 2055.15 1373.19 1590.96 2131.22 97.72 1415.92 4307.03 4252.93

19
 Statement of Assets and Liabilities
as on Magh end 2068
Rs. in million

Alpic Everest

Multipurpos
Progressive
Bhajuratna
Mahalaxmi

Navadurga

Pokhara
General

Premier
Lalitpur

Central

Butwal
United

Janaki

Arun
Liabilities

e
1 CAPITAL FUND 485.07 281.43 99.88 405.39 172.02 131.66 172.99 145.75 155.25 419.58 236.51 155.06 112.99 28.96 250.75
a. Paid‐up Capital 420.00 187.95 78.62 350.80 96.97 120.00 107.87 126.63 97.50 312.00 168.36 120.81 150.00 25.00 208.99
b. Calls in Advance 32.93 8.00
c. General Reserves 57.96 63.33 11.75 47.25 11.03 2.35 19.04 18.32 35.08 60.78 28.23 17.06 1.96 1.44 23.52
d. Share Premium 1.49 3.89 4.84 4.32 0.12 0.43 0.24
e. Retained Earning 7.11 30.15 6.19 5.84 38.58 ‐0.76 0.22 0.52 22.67 42.48 37.07 16.75 ‐46.97 1.56 17.30
f. Others Reserves Fund 3.32 0.00 21.54 5.23 12.93 0.27 2.74 0.96 0.70
g. Exchange Fluctuation Fund
2 BORROWINGS 20.40 25.00 30.00 113.60
a. NRB
b. "A"Class Licensed Institution 20.40 15.00 30.00 113.60
c. Foreign Banks and Fin. Ins.
d. Other Financial Ins. 10.00
e. Bonds and Securities
3 DEPOSITS 2189.73 1670.61 175.21 2596.05 872.29 180.55 704.04 1097.69 783.88 1524.20 1640.04 982.58 157.68 71.84 1363.59
a. Current
Domestic
Foreign
b. Savings 1012.84 613.25 30.19 1046.03 277.23 76.48 334.33 487.29 242.67 773.69 653.96 329.19 70.01 23.76 582.27
Domestic 1012.84 613.25 30.19 1046.03 277.23 76.48 334.33 487.29 242.67 773.69 653.96 329.19 70.01 23.76 582.27
Foreign
c. Fixed 1173.15 1046.75 144.34 1550.02 595.06 104.07 369.70 610.40 519.13 750.51 986.07 560.11 87.67 48.08 770.90
Domestic 1173.15 1046.75 144.34 1550.02 595.06 104.07 369.70 610.40 519.13 750.51 986.07 560.11 87.67 48.08 770.90
Foreign
d. Call Deposits
e. Others 3.74 10.60 0.68 22.07 93.28 10.42
4 Bills Payable 0.82
5 Other Liabilities 154.38 446.03 42.85 156.85 130.98 31.69 148.66 81.08 210.55 272.85 164.39 243.85 141.41 35.63 165.81
1. Sundry Creditors 9.55 0.66 15.24 16.88 6.73 1.02 1.74 2.63 2.21 33.52 4.86 73.50 0.42 5.83 6.34
2. Loan Loss Provision 51.71 127.37 10.65 55.87 32.85 15.32 33.43 18.12 57.95 172.61 29.12 49.32 81.36 9.70 56.64
3. Interest Suspense a/c 27.48 241.83 7.17 40.45 68.15 11.23 54.92 10.53 70.30 49.57 73.01 101.98 18.45 9.81 48.46
4. Others 65.64 76.18 9.79 43.65 23.26 4.11 58.58 49.80 80.09 17.15 57.39 19.05 41.18 10.29 54.38
6 Reconcillation A/c 0.53 0.98 543.66 ‐2.04 8.44
7 Profit & Loss A/c 5.20 2.65 5.43 7.66 13.91 50.47 0.48 1.60
TOTAL LIABILITIES 2834.92 2419.45 320.58 3707.38 1198.24 351.56 1055.69 1339.25 1200.16 2216.63 2041.42 1381.50 420.52 138.02 1893.75
Assets
1 LIQUID FUNDS 618.38 179.08 99.84 736.05 91.18 91.22 123.12 311.71 163.22 617.06 369.09 154.09 50.50 9.13 500.41
a. Cash Balance 23.75 4.67 0.44 35.73 7.21 4.39 5.29 9.89 2.05 10.16 12.23 20.40 2.08 0.00 25.64
Nepalese Notes & Coins 23.75 4.67 0.44 35.73 7.21 4.39 5.29 9.89 2.05 10.16 12.23 20.40 2.08 0.00 25.64
Foreign Currency
b. Bank Balance 58.70 154.41 99.40 700.32 83.97 86.84 117.83 301.82 16.64 121.03 71.35 133.70 13.68 9.12 474.77
1. In Nepal Rastra Bank 56.93 84.99 8.75 297.74 17.34 7.64 29.00 33.05 16.01 121.03 71.35 28.17 13.40 36.15
Domestic Currency 56.93 84.99 8.75 297.74 17.34 7.64 29.00 33.05 16.01 121.03 71.35 28.17 13.40 36.15
Foreign Currency
2. "A"Class Licensed Institution 1.60 69.41 90.65 332.17 22.13 31.31 12.31 149.05 0.63 58.86 0.28 9.12 229.64
Domestic Currency 1.60 69.41 90.65 332.17 22.13 31.31 12.31 149.05 0.63 58.86 0.28 9.12 229.64
Foreign Currency
3. Other Financial Ins. 0.18 70.41 44.50 47.88 76.52 119.71 46.66 208.98
4. In Foreign Banks
c. Money at Call 535.92 20.00 144.53 485.86 285.50 34.74
Domestic Currency 535.92 20.00 144.53 485.86 285.50 34.74
Foreign Currency
2 INVESTMENT IN SECURITIES 162.06 18.27 5.54 62.50 15.00 3.20 30.00 33.37 13.82 30.00 26.60 70.16
a. Govt.Securities 162.06 18.27 5.54 62.50 15.00 3.20 30.00 33.37 13.82 30.00 26.60 70.16
b. NRB Bond
c. Govt.Non‐Fin. Ins.
d. Other Non‐Fin Ins.
e Non Residents
3 SHARE & OTHER INVESTMENT 100.89 15.54 51.74 0.43 20.10 2.42 2.95 68.33 227.40 0.05 31.99 1.70 3.10 0.19 7.60
a. Non Residents
b. Others 100.89 15.54 51.74 0.43 20.10 2.42 2.95 68.33 227.40 0.05 31.99 1.70 3.10 0.19 7.60
4 LOANS & ADVANCES 1864.09 1851.38 129.79 2217.06 945.33 225.26 722.50 830.86 678.20 1336.79 1439.93 978.40 210.06 108.65 1132.55
a. Private Sector 1844.09 1851.38 129.79 2217.06 935.33 221.26 722.50 813.97 676.02 1328.79 1439.93 978.40 210.06 108.65 1132.55
b. Financial Institutions 20.00 10.00 3.99 15.36 8.00
c. Government Organizations 1.52 2.18
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 29.76 44.67 1.59 77.46 6.19 5.66 63.68 46.59 14.87 128.19 49.19 50.77 29.38 2.04 79.87
8 OTHER ASSETS 57.49 299.96 32.09 66.99 91.47 22.75 78.90 47.23 98.48 66.86 101.97 124.49 32.71 17.36 83.56
a. Accrued Interest: 27.48 241.83 7.16 41.56 68.15 11.23 54.92 10.53 70.30 50.57 73.01 107.98 18.45 9.81 57.24
b. Staff Loans / Adv. 5.06 20.37 0.38 2.74 3.41 0.49 0.84 0.41 1.11 0.12 2.98 4.72
c. Sundry Debtors 9.12 4.46 10.44 18.79 19.86 6.44 6.05 30.49 12.89 0.09 4.81 1.24 11.50 1.00 16.63
d. Cash In Transit
e. Others 15.82 33.30 14.11 3.90 0.05 4.60 17.09 5.80 15.30 16.19 23.03 15.27 2.64 3.56 4.97
9 Expenses not Written off 1.06 2.88 1.57 0.02 1.76
10 Non Banking Assets 1.20 0.45 0.01 15.61 1.04 30.01 4.16 19.25 9.36 4.38 0.64 1.26
11 Reconcillation Account 0.98 544.00 1.27 1.36 1.15 8.44
12 Profit & Loss A/c 9.13 12.11 1.61 67.69 36.07 81.94 16.59
TOTAL ASSETS 2834.92 2419.45 320.58 3707.38 1198.24 351.55 1055.69 1339.25 1200.16 2216.63 2041.42 1381.50 420.52 138.02 1893.75

20
 Statement of Assets and Liabilities
as on Magh end 2068
Rs. in million

Sagarmatha
Guheshwori

Prudential
CMBFCL
WMBFL

Everest
Srijana

Crystal

Patan
Royal

Fewa
CMB

ICFC

IME
Om
Liabilities

1 CAPITAL FUND 69.76 289.94 124.41 116.56 167.09 147.82 360.98 189.53 142.33 353.91 89.52 383.59 400.62 584.32 191.04
a. Paid‐up Capital 36.40 246.75 150.00 181.98 935.07 70.00 329.00 135.35 110.00 300.30 74.85 293.06 355.73 431.84 137.50
b. Calls in Advance 26.70 24.49 68.65
c. General Reserves 4.25 33.46 18.33 20.69 37.10 10.38 25.85 23.72 7.42 42.83 8.12 13.72 43.28 59.56 16.00
d. Share Premium 1.04 0.28 1.36 2.61 0.39 0.48 3.49 0.83 3.97
e. Retained Earning 2.41 8.24 ‐74.05 ‐87.47 ‐807.69 26.15 3.46 10.16 23.94 7.29 5.72 71.56 0.52 20.30 37.27
f. Others Reserves Fund 0.44 29.86 16.80 2.27 20.30 0.50 5.25 1.08 0.27
g. Exchange Fluctuation Fund
2 BORROWINGS 86.16 112.85 308.43 109.50 4.00 217.90 225.00
a. NRB
b. "A"Class Licensed Institution 33.20 101.00 174.85 89.50 205.40 225.00
c. Foreign Banks and Fin. Ins.
d. Other Financial Ins. 52.96 11.85 133.58 20.00 4.00 12.50
e. Bonds and Securities
3 DEPOSITS 142.10 2465.16 480.67 634.22 1765.42 605.80 1777.59 742.73 355.29 2178.37 324.39 768.83 2924.60 5102.63 1240.05
a. Current
Domestic
Foreign
b. Savings 93.50 1099.89 224.72 294.68 443.61 308.06 890.14 165.03 150.35 910.26 184.48 330.43 1593.88 3720.57 365.71
Domestic 93.50 1099.89 224.72 294.68 443.61 308.06 890.14 165.03 150.35 910.26 184.48 330.43 1593.88 3720.57 365.71
Foreign
c. Fixed 41.29 1365.28 255.95 339.54 704.86 294.99 884.99 497.96 204.93 1062.90 139.91 438.19 1328.94 912.84 682.86
Domestic 41.29 1365.28 255.95 339.54 704.86 294.99 884.99 497.96 204.93 1062.90 139.91 438.19 1328.94 912.84 682.86
Foreign
d. Call Deposits
e. Others 7.31 616.95 2.76 2.46 79.74 205.21 0.20 1.77 469.22 191.48
4 Bills Payable 0.04 0.13 0.44
5 Other Liabilities 15.41 153.33 142.98 297.33 3419.55 220.89 159.52 93.31 79.76 144.17 46.67 276.26 259.63 304.81 100.96
1. Sundry Creditors 1.61 0.67 1.51 4.53 15.49 0.85 1.01 8.02 0.37 0.64 3.14 0.83 0.94 43.62 0.72
2. Loan Loss Provision 2.54 35.21 56.69 154.34 2557.01 37.97 41.40 35.79 25.92 57.49 13.29 102.31 51.94 116.87 32.07
3. Interest Suspense a/c 1.58 43.11 25.81 99.96 387.65 80.85 66.18 17.56 21.13 37.96 8.57 52.68 9.12 73.26 26.05
4. Others 9.68 74.33 58.97 38.49 459.40 101.23 50.93 31.93 32.35 48.08 21.66 120.43 197.63 71.06 42.12
6 Reconcillation A/c 243.08
7 Profit & Loss A/c 7.67 14.69 3.57 22.96 3.05 1.81 33.58 20.17
TOTAL LIABILITIES 234.94 2923.16 751.63 1134.27 5464.90 1282.94 2407.72 1048.98 581.38 2679.49 462.38 1646.58 3843.43 6011.93 1775.13
Assets
1 LIQUID FUNDS 35.19 608.30 182.88 13.12 105.40 74.17 268.10 217.74 92.84 681.60 155.14 111.35 965.06 1466.76 296.16
a. Cash Balance 7.26 23.24 3.03 3.63 4.66 0.91 23.35 4.52 0.81 43.68 6.03 8.62 78.06 105.15 14.22
Nepalese Notes & Coins 7.26 23.24 3.03 3.63 4.66 0.91 23.35 4.43 0.81 43.68 6.02 8.52 78.06 105.15 14.22
Foreign Currency 0.09 0.00 0.10
b. Bank Balance 7.04 585.05 179.86 8.99 100.74 72.86 53.77 20.28 92.03 95.13 149.11 102.74 877.00 341.80 281.94
1. In Nepal Rastra Bank 4.38 55.35 10.50 1.23 16.13 0.35 45.70 20.12 37.42 90.46 8.66 38.37 50.05 239.42 31.92
Domestic Currency 4.38 55.35 10.50 1.23 16.13 0.35 45.70 20.12 37.42 90.46 8.66 38.37 50.05 239.42 31.92
Foreign Currency
2. "A"Class Licensed Institution 1.66 429.67 1.08 0.43 13.23 71.60 8.02 0.16 51.05 4.41 99.62 57.10 368.78 102.38 73.80
Domestic Currency 1.66 429.67 1.08 0.43 13.23 71.60 8.02 0.16 51.05 4.41 99.62 57.10 368.78 102.38 73.80
Foreign Currency
3. Other Financial Ins. 1.00 100.03 168.28 7.34 71.39 0.91 0.04 0.01 3.56 0.26 40.84 7.26 458.16 176.22
4. In Foreign Banks
c. Money at Call 20.88 0.50 0.40 190.98 192.93 542.78 10.00 1019.81
Domestic Currency 20.88 0.50 0.40 190.98 192.93 542.78 10.00 1019.81
Foreign Currency
2 INVESTMENT IN SECURITIES 0.32 74.55 20.00 32.00 0.20 92.85 20.00 0.55 42.02 29.94 69.87 35.00
a. Govt.Securities 74.55 20.00 32.00 0.20 92.85 20.00 0.55 42.02 29.94 69.87 35.00
b. NRB Bond
c. Govt.Non‐Fin. Ins.
d. Other Non‐Fin Ins.
e Non Residents 0.32
3 SHARE & OTHER INVESTMENT 1.03 11.76 40.19 10.03 5.60 69.95 10.19 47.63 0.55 17.73 166.10 2.09 71.63
a. Non Residents 3.10 42.69
b. Others 1.03 11.76 40.19 10.03 2.50 27.26 10.19 47.63 0.55 17.73 166.10 2.09 71.63
4 LOANS & ADVANCES 174.64 2104.49 414.82 861.41 2983.89 904.18 1728.96 716.01 339.02 1894.82 275.76 1089.24 2440.97 3816.56 1062.56
a. Private Sector 174.64 2104.49 414.82 850.17 2807.10 594.13 1687.20 716.01 336.22 1894.82 275.76 1074.24 2440.97 3781.56 1057.33
b. Financial Institutions 7.50 176.79 310.05 41.76 2.50 15.00 35.00 5.23
c. Government Organizations 3.74 0.30
5 BILL PURCHASED 3.80
a. Domestic Bills Purchased 3.80
b. Foreign Bills Purchased
c. Import Bills & Imports
6 LOANS AGAINST COLLECTED BILLS
a. Against Domestic Bills
b. Against Foreign Bills
7 FIXED ASSETS 4.95 67.23 17.27 30.16 158.03 107.19 142.63 58.79 21.94 36.54 3.26 190.39 79.50 454.03 20.85
8 OTHER ASSETS 18.89 65.13 89.86 132.27 506.44 169.81 93.28 25.29 59.88 65.76 27.68 116.30 161.09 202.61 37.20
a. Accrued Interest: 1.58 43.11 25.81 105.58 387.65 80.85 66.18 17.56 26.72 37.96 8.57 52.76 60.68 73.26 26.05
b. Staff Loans / Adv. 1.39 3.92 1.88 12.48 0.34 4.33 2.06 0.85 13.90 22.22 14.43 0.04
c. Sundry Debtors 5.30 5.42 1.21 0.42 3.68 61.14 0.94 2.29 0.16 5.05 6.36 4.94 0.47 2.37
d. Cash In Transit
e. Others 10.62 12.67 60.97 13.79 114.77 27.82 21.83 5.43 30.94 22.75 11.90 49.64 73.24 114.45 8.75
9 Expenses not Written off 0.17 2.44 0.28 4.07 0.69 0.78
10 Non Banking Assets 0.79 14.76 2.74 5.66
11 Reconcillation Account 0.87 0.36 0.22 243.17
12 Profit & Loss A/c 21.52 1700.77 21.79 7.86 0.26 10.62 79.54 8.57
TOTAL ASSETS 234.94 2923.15 751.63 1134.27 5464.90 1282.94 2407.72 1048.98 581.38 2679.49 462.38 1646.58 3843.43 6011.93 1775.14

21
 Statement of Assets and Liabilities
as on Magh end 2068
Rs. in million

Lord Buddha

Namaste
Imperial

Swastik
reliable
Shikhar

Prabhu

Valley
Kuber

hama

Kaski
NEFL
Civil

Seti

Api
Liabilities

1 CAPITAL FUND 148.33 168.05 526.04 164.52 195.01 161.55 153.06 51.15 164.92 257.37 198.57 120.09 132.97 20.37 257.38
a. Paid‐up Capital 137.50 149.50 469.20 149.73 150.00 143.00 128.00 40.00 200.00 221.39 168.28 114.00 126.00 14.20 240.74
b. Calls in Advance 25.23 15.36
c. General Reserves 10.24 14.01 39.46 12.85 2.57 8.71 8.69 2.59 0.85 26.04 10.24 5.48 5.29 1.56 13.96
d. Share Premium 0.10 0.18 3.41 0.62 0.03 0.45 0.33
e. Retained Earning 0.49 4.01 13.40 1.94 16.59 9.33 1.01 8.56 ‐35.93 9.94 0.42 1.23 4.60 2.35
f. Others Reserves Fund 0.35 0.57 0.51 20.02 0.19
g. Exchange Fluctuation Fund
2 BORROWINGS 23.80 55.32 79.89
a. NRB 9.00
b. "A"Class Licensed Institution 23.80 6.30 79.89
c. Foreign Banks and Fin. Ins.
d. Other Financial Ins. 40.02
e. Bonds and Securities
3 DEPOSITS 605.24 482.85 6096.07 756.90 847.54 508.89 884.37 124.69 350.94 1656.13 484.49 306.33 658.81 80.10 1052.01
a. Current 92.75
Domestic 92.75
Foreign
b. Savings 254.62 191.04 4749.31 275.59 239.14 348.36 196.41 105.23 1221.24 302.29 154.95 455.55 69.57 562.01
Domestic 254.62 191.04 4749.31 275.59 239.14 348.36 196.41 105.23 1221.24 302.29 154.95 455.55 69.57 562.01
Foreign
c. Fixed 350.21 233.65 1312.72 481.30 608.40 160.41 431.31 31.94 168.89 434.89 182.20 151.30 203.26 10.50 490.00
Domestic 350.21 233.65 1312.72 481.30 608.40 160.41 431.31 31.94 168.89 434.89 182.20 151.30 203.26 10.50 490.00
Foreign
d. Call Deposits
e. Others 0.41 58.15 34.04 0.13 256.65 76.82 0.08 0.04
4 Bills Payable
5 Other Liabilities 87.55 47.64 287.52 70.99 158.21 49.50 84.71 15.78 212.04 120.29 32.45 20.77 26.71 3.28 63.08
1. Sundry Creditors 0.12 0.39 1.66 0.80 20.26 24.06 4.95 0.27 0.11 22.24 0.41 0.56 0.29 0.24 0.70
2. Loan Loss Provision 21.64 14.92 53.53 20.49 36.70 5.39 30.16 5.96 147.55 35.45 12.52 3.99 8.65 1.62 18.99
3. Interest Suspense a/c 19.36 21.34 77.42 30.11 73.54 4.20 28.20 3.27 51.78 34.42 9.33 5.60 7.19 0.28 18.21
4. Others 46.43 10.99 154.91 19.59 27.71 15.86 21.41 6.29 12.60 28.19 10.19 10.62 10.57 1.13 25.18
6 Reconcillation A/c 54.02 504.18 0.00 ‐1.47 0.05
7 Profit & Loss A/c 0.65 1.35 11.94 6.80 4.31 9.56 4.04 1.98 5.19 2.66 8.31
TOTAL LIABILITIES 865.57 699.89 6921.56 1046.43 1760.26 726.74 1120.68 195.92 727.90 2123.29 719.54 449.17 823.68 106.40 1380.77
Assets
1 LIQUID FUNDS 141.43 198.96 1669.00 254.65 72.88 215.35 200.22 43.29 136.19 608.84 213.89 155.15 266.75 30.51 304.92
a. Cash Balance 8.56 0.92 207.13 4.01 12.96 7.87 8.36 4.77 2.50 37.09 0.96 2.29 10.90 1.51 17.33
Nepalese Notes & Coins 8.56 0.92 206.85 4.01 12.96 7.86 8.36 4.73 2.50 37.09 0.96 2.29 10.90 1.47 17.33
Foreign Currency 0.28 0.01 0.04 0.04
b. Bank Balance 132.87 198.04 1461.87 250.64 59.92 207.48 191.86 38.53 4.14 112.52 212.94 152.86 17.47 1.99 287.59
1. In Nepal Rastra Bank 17.95 10.20 960.84 48.68 10.52 26.86 26.03 0.16 3.22 111.82 15.43 41.11 16.87 25.17
Domestic Currency 17.95 10.20 960.82 48.68 10.52 26.86 26.03 0.16 3.22 111.82 15.43 41.11 16.87 25.17
Foreign Currency 0.02
2. "A"Class Licensed Institution 53.80 74.26 334.32 175.11 7.51 81.93 123.47 16.87 0.64 0.70 119.95 95.75 0.31 1.99 82.57
Domestic Currency 53.80 74.26 325.53 175.11 7.51 81.93 123.47 16.87 0.64 0.70 119.95 95.75 0.31 1.99 82.57
Foreign Currency 8.79
3. Other Financial Ins. 61.13 113.58 166.71 26.86 41.90 98.69 42.36 21.50 0.28 77.56 16.00 0.29 0.01 179.85
4. In Foreign Banks
c. Money at Call 129.55 459.23 238.38 27.01
Domestic Currency 129.55 459.23 238.38 27.01
Foreign Currency
2 INVESTMENT IN SECURITIES 24.68 20.00 81.69 10.00 9.98 10.00 24.98 1.50 17.05 84.49 15.00 4.00 29.94
a. Govt.Securities 24.68 20.00 81.69 10.00 9.98 10.00 24.98 1.50 17.05 79.49 15.00 4.00 29.94
b. NRB Bond 5.00
c. Govt.Non‐Fin. Ins.
d. Other Non‐Fin Ins.
e Non Residents
3 SHARE & OTHER INVESTMENT 2.30 4.75 34.88 14.88 0.10 0.10 0.10 1.00 44.50 0.40 5.10
a. Non Residents
b. Others 2.30 4.75 34.88 14.88 0.10 0.10 0.10 1.00 44.50 0.40 5.10
4 LOANS & ADVANCES 655.88 449.50 3917.11 627.38 1014.35 460.66 827.45 139.54 447.54 1239.14 429.15 270.73 518.63 68.69 1004.67
a. Private Sector 648.50 449.50 3917.11 613.19 1014.35 450.86 827.45 139.54 434.94 1211.64 419.39 270.73 518.63 68.69 1004.67
b. Financial Institutions 7.38 14.19 8.50 12.60 27.50 9.50
c. Government Organizations 1.30 0.26
5 BILL PURCHASED 5.83 2.60
a. Domestic Bills Purchased 5.83 2.60
b. Foreign Bills Purchased
c. Import Bills & Imports
6 LOANS AGAINST COLLECTED BILLS
a. Against Domestic Bills
b. Against Foreign Bills
7 FIXED ASSETS 5.27 2.32 312.57 27.43 30.93 9.54 22.94 1.43 7.52 136.09 3.94 5.58 11.85 0.61 16.54
8 OTHER ASSETS 36.92 26.69 900.59 37.70 109.07 15.95 42.03 8.82 102.41 52.46 13.06 12.38 25.36 1.49 24.56
a. Accrued Interest: 19.36 21.36 84.59 30.12 73.54 4.26 28.20 3.25 51.78 37.15 9.33 5.60 7.19 0.28 18.21
b. Staff Loans / Adv. 2.91 0.70 6.90 4.56 4.98 0.86 1.92 0.50 1.33 0.14 2.30 11.90 0.12 0.07
c. Sundry Debtors 0.85 0.44 2.72 0.13 20.83 6.13 8.12 1.08 0.19 8.37 0.10 0.70 3.26 0.25 0.08
d. Cash In Transit
e. Others 13.80 4.18 806.38 2.89 9.73 4.70 3.79 4.50 49.94 5.62 3.48 3.78 3.00 0.84 6.20
9 Expenses not Written off 1.39 0.12 0.38 0.38 1.26 0.93 1.09 0.14
10 Non Banking Assets 0.95 0.85
11 Reconcillation Account 30.01 54.02 496.55 0.33
12 Profit & Loss A/c 0.38 22.94 2.63 17.08
TOTAL ASSETS 865.57 699.89 6921.56 1046.43 1760.26 726.75 1120.68 195.92 727.90 2123.29 719.54 449.17 823.68 106.40 1380.77

22
 Statement of Assets and Liabilities
as on Magh end 2068
Rs. in million

Suryadarsha

Manjushree

Subhalaxmi

Bhaktapur
Reliance

Baibhav
Unique
Zenith

Jebils

Lotus
Liabilities

n
1 CAPITAL FUND 118.92 216.58 207.76 179.26 210.08 106.46 153.45 127.07 148.91 128.90
a. Paid‐up Capital 100.00 205.31 200.00 140.00 200.00 102.00 140.00 120.00 147.00 125.00
b. Calls in Advance
c. General Reserves 5.48 10.59 7.33 7.85 8.19 1.01 5.79 7.07 0.24 0.78
d. Share Premium
e. Retained Earning 13.44 0.33 0.43 31.41 1.64 3.46 7.66 1.68 3.12
f. Others Reserves Fund 0.34 0.25
g. Exchange Fluctuation Fund
2 BORROWINGS
a. NRB
b. "A"Class Licensed Institution
c. Foreign Banks and Fin. Ins.
d. Other Financial Ins.
e. Bonds and Securities
3 DEPOSITS 527.09 848.35 386.92 636.80 500.71 320.29 778.63 281.55 108.94 134.04
a. Current
Domestic
Foreign
b. Savings 309.87 368.06 65.99 52.12 99.73 72.97 108.69 82.07 44.68 56.96
Domestic 309.87 368.06 65.99 52.12 99.73 72.97 108.69 82.07 44.68 56.96
Foreign
c. Fixed 217.03 171.09 212.39 256.25 353.75 155.56 349.52 112.59 28.65 14.00
Domestic 217.03 171.09 212.39 256.25 353.75 155.56 349.52 112.59 28.65 14.00
Foreign
d. Call Deposits 63.09
e. Others 0.19 309.20 108.53 328.44 47.23 91.76 320.43 86.89 35.60
4 Bills Payable
5 Other Liabilities 38.96 39.65 49.15 48.73 35.31 24.20 68.21 17.48 4.70 5.28
1. Sundry Creditors 0.53 1.27 0.72 0.82 1.21 3.28 23.70 0.11 0.01
2. Loan Loss Provision 6.90 11.32 7.49 11.74 8.27 6.98 17.48 3.19 2.83 0.92
3. Interest Suspense a/c 9.76 14.30 1.32 17.93 8.19 8.31 12.16 6.78
4. Others 21.77 12.76 39.63 18.23 17.63 5.62 14.88 7.40 1.86 4.35
6 Reconcillation A/c 0.31
7 Profit & Loss A/c 2.56 6.30 9.88 0.31 3.91 4.85 5.24 4.32 1.89
TOTAL LIABILITIES 687.53 1111.19 653.71 865.10 750.02 450.95 1005.15 431.34 266.86 270.10
Assets
1 LIQUID FUNDS 245.22 275.06 141.74 160.47 221.08 112.32 378.78 132.39 162.47 119.22
a. Cash Balance 6.42 23.84 1.12 14.06 3.38 5.10 9.37 1.75 4.24 6.83
Nepalese Notes & Coins 6.42 23.84 1.12 14.06 3.38 5.10 9.37 1.75 4.24 6.83
Foreign Currency
b. Bank Balance 238.80 251.22 140.62 146.41 217.69 107.22 369.41 130.64 158.23 112.40
1. In Nepal Rastra Bank 11.02 59.21 10.54 14.14 13.90 7.95 28.33 17.88 3.54 7.92
Domestic Currency 11.02 59.21 10.54 14.14 13.90 7.95 28.33 17.88 3.54 7.92
Foreign Currency
2. "A"Class Licensed Institution 102.23 54.00 22.45 121.18 69.04 67.23 33.33 1.09 20.54 84.81
Domestic Currency 102.23 54.00 22.45 121.18 69.04 67.23 33.33 1.09 20.54 84.81
Foreign Currency
3. Other Financial Ins. 125.55 138.01 107.62 11.10 134.76 32.04 307.75 111.67 134.15 19.67
4. In Foreign Banks
c. Money at Call
Domestic Currency
Foreign Currency
2 INVESTMENT IN SECURITIES 13.11 20.00 17.00 5.00 13.82 8.00 4.00 6.00 2.49
a. Govt.Securities 13.11 20.00 17.00 5.00 13.82 8.00 4.00 6.00 2.49
b. NRB Bond
c. Govt.Non‐Fin. Ins.
d. Other Non‐Fin Ins.
e Non Residents
3 SHARE & OTHER INVESTMENT 3.21 2.10 1.68 40.00
a. Non Residents
b. Others 3.21 2.10 1.68 40.00
4 LOANS & ADVANCES 402.73 760.75 480.77 644.16 476.15 296.78 595.62 257.31 94.03 98.97
a. Private Sector 392.11 760.75 470.78 627.56 465.66 292.78 577.62 252.01 98.97
b. Financial Institutions 8.88 9.99 16.60 10.50 4.00 18.00 5.30 94.03
c. Government Organizations 1.74
5 BILL PURCHASED 0.50
a. Domestic Bills Purchased 0.50
b. Foreign Bills Purchased
c. Import Bills & Imports
6 LOANS AGAINST COLLECTED BILLS
a. Against Domestic Bills
b. Against Foreign Bills
7 FIXED ASSETS 9.19 7.95 2.91 20.89 15.14 9.60 9.21 4.91 8.22 6.59
8 OTHER ASSETS 17.27 43.72 9.19 34.59 23.82 19.38 16.04 30.74 2.14 1.14
a. Accrued Interest: 10.41 14.30 1.32 17.93 8.19 8.54 2.24 6.78
b. Staff Loans / Adv. 0.78 19.72 0.49 10.91 6.69 6.02 0.44 0.10 0.29
c. Sundry Debtors 0.97 0.93 1.49 1.06 0.93 1.56 0.43 0.06 0.23
d. Cash In Transit 20.73
e. Others 5.11 8.78 5.89 4.69 8.94 3.88 11.80 2.70 1.78 0.91
9 Expenses not Written off 1.47 1.49 1.68
10 Non Banking Assets
11 Reconcillation Account
12 Profit & Loss A/c 1.72
TOTAL ASSETS 687.53 1111.19 653.71 865.10 750.02 450.95 1005.15 431.34 266.86 270.10

23
 Profit and Loss Account
upto Magh 2068
Rs. in million

SCBNL
NABIL

NSBI
NIBL
RBB
NBL

HBL
Expenses

1 Interest Expenses 1071.00 1738.43 1935.43 2258.45 648.74 1692.61 1500.96

1.1 Deposit Liabilities 1063.00 1731.08 1913.83 2206.92 646.36 1689.20 1493.92
1.1.1 Saving A/c 662.00 751.51 397.58 387.94 151.73 529.82 157.11
1.1.2 Fixed A/c 401.00 932.79 1041.14 1242.50 327.96 1159.34 1207.40
1.1.2.1 Upto 3 Months Fixed A/c 0.10 156.17 22.80 0.04 278.93 282.87
1.1.2.2 3 to 6 Months fixed A/c 1.67 208.23 2.42 240.86
1.1.2.3 6 Months to 1 Year Fixed A/c 725.38 520.57 52.49 300.12
1.1.2.4 Above 1 Year 401.00 205.64 156.17 1219.69 273.01 880.41 383.56
1.1.3 Call Deposit 46.78 475.11 576.48 166.67 0.04 129.41
1.1.4 Certificate of Deposits
1.2 Others 8.00 7.35 21.60 51.53 2.38 3.41 7.04
2 Commission/Fee Expense 38.45 73.65 47.37
3 Employees Expenses 755.00 785.66 289.16 186.60 208.36 303.51 168.02
4 Office Operatiing Expenses 195.00 495.28 233.28 237.48 190.07 358.56 266.38
5 Exchange Fluctuation Loss 0.10
5.1 Due to Change in Exchange Rates
5.2 Due to Foreign Currency Transactions 0.10
6 Non‐Operatiing Expenses 3.00 0.18
7. Provision for Risk 806.00 456.46 551.41 424.35 118.51 164.57 45.30
7.1 Loan loss Provision 806.00 456.26 522.46 424.35 118.51 164.57 45.30
7.1.1 General Loan loss Provision 353.78 20.75 254.53 164.57 14.59
7.1.2 Special Loan Loss Provision 806.00 102.48 501.71 169.82 118.51 30.72
7.1.3 Additional Loan Loss Provision
7.2. Provision for Non‐Banking Assets
7.3. Provision for Loss on Investment 23.89
7.4. Provision for Loss of Other Assets 0.20 5.06
8 Loan Written Off 4.54 38.55
9 Provision for Staff Bonus 121.49 85.87 90.73 17.57
10 Provision for Income Tax 360.57 258.74 272.18 53.45
11 Others 0.65
12 Net Profit 405.00 598.79 854.33 599.92 635.08 651.28 122.29
TOTAL EXPENSES 3232.00 4121.36 4419.32 4098.79 2202.20 3170.53 2174.16

Income
1. Interest Income 2316.00 3322.27 3592.07 3399.57 1647.38 2653.38 1863.07
1.1. On Loans and Advance 2110.00 2837.79 3066.36 3211.53 1199.67 2339.99 1425.73
1.2. On Investment 189.00 431.96 383.02 152.67 378.56 296.55 220.32
1.2.1 Government Bonds 184.00 422.43 375.85 152.67 378.18 296.55 174.63
1.2.2 Foreign Bonds 7.17
1.2.3 NRB Bonds 0.02 45.69
1.2.4 Deventure & Bonds 5.00 9.51 0.38
1.3 Agency Balance 47.62 0.04 33.27 0.46 198.81
1.4 On Call Deposit 6.00 2.49 111.11 2.11 5.53 16.84 0.65
1.5 Others 11.00 2.41 31.55 63.16 17.57
2. Comission & Discount 77.00 151.67 384.13 110.49 106.64 401.97 220.43
2.1 Bills Purchase & Discount 0.47 2.15 7.27 6.43 49.55 0.06
2.2 Comission 77.00 138.31 380.86 103.87 73.28 267.72 157.18
2.3 Others 12.89 1.12 ‐0.64 26.93 84.70 63.20
3 Income From Exchange Fluctuation ‐3.00 33.45 233.86 146.52 297.02 115.18 56.50
3.1 Due to Change in Exchange Rate ‐19.00 16.63 174.12 33.42 81.08 12.06 2.21
3.2 Due to Foreign Currency Trans. 16.00 16.82 59.74 113.11 215.94 103.12 54.29
4 Other Operating Income 100.00 143.17 440.71 21.71
5 Non Operating Income 18.54 13.19 1.50 0.02 0.65
6 Provision Written Back 677.00 295.23 194.54 109.90 27.45
7 Recovery from Written off Loan 65.00 94.72 1.53 19.54 6.05
8 Income from Extra Ordinary Expenses 62.31
9 Net Loss
TOTAL INCOME 3232.00 4121.36 4419.32 4098.79 2202.20 3170.53 2174.16

24
 Profit and Loss Account
upto Magh 2068
Rs. in million

Kumari
NBBL

MBL
BOK

NCC
EBL

NIC

LBL
Expenses

1 Interest Expenses 566.90 1708.68 873.96 576.96 956.73 366.17 876.34 925.26
1.1 Deposit Liabilities 566.88 1697.32 856.88 573.76 944.07 366.12 858.07 893.34
1.1.1 Saving A/c 268.64 331.83 171.46 217.66 122.98 72.88 244.48 189.41
1.1.2 Fixed A/c 172.14 993.11 503.30 242.60 602.80 259.37 388.00 482.59
1.1.2.1 Upto 3 Months Fixed A/c 305.00 0.06 1.51
1.1.2.2 3 to 6 Months fixed A/c 28.40 211.75 0.79 2.49
1.1.2.3 6 Months to 1 Year Fixed A/c 326.87 503.30 13.43 136.32 259.37 198.79
1.1.2.4 Above 1 Year 143.74 149.48 229.17 465.63 185.21 482.59
1.1.3 Call Deposit 126.10 372.39 182.12 113.49 218.29 33.87 225.59 221.33
1.1.4 Certificate of Deposits
1.2 Others 0.02 11.36 17.08 3.21 12.67 0.06 18.27 31.92
2 Commission/Fee Expense 8.13
3 Employees Expenses 86.73 193.80 143.18 69.45 82.54 40.87 93.98 115.32
4 Office Operatiing Expenses 79.69 223.74 180.32 80.63 114.58 54.91 164.21 112.45
5 Exchange Fluctuation Loss
5.1 Due to Change in Exchange Rates
5.2 Due to Foreign Currency Transactions
6 Non‐Operatiing Expenses 3.04 0.15 0.01
7. Provision for Risk 207.82 34.87 63.20 54.56 18.37 51.19 58.38 204.11
7.1 Loan loss Provision 187.74 34.87 63.20 54.56 18.37 51.19 58.38 204.11
7.1.1 General Loan loss Provision 23.19 34.87 12.41 6.05 12.82
7.1.2 Special Loan Loss Provision 164.55 19.01 54.56 12.32 51.19 58.38 191.30
7.1.3 Additional Loan Loss Provision 31.78
7.2. Provision for Non‐Banking Assets 13.58
7.3. Provision for Loss on Investment 6.50
7.4. Provision for Loss of Other Assets
8 Loan Written Off 78.75 58.14
9 Provision for Staff Bonus 86.77 46.31 3.54 8.73 3.23 4.36
10 Provision for Income Tax 260.32 141.92 31.04 9.70 13.08
11 Others
12 Net Profit 329.46 607.42 321.16 35.35 374.40 9.78 22.64 30.52
TOTAL EXPENSES 1281.77 3115.60 1770.05 899.24 1546.78 562.69 1286.63 1405.10

Income
1. Interest Income 727.07 2840.42 1524.74 722.82 1417.25 530.70 1079.01 1290.84
1.1. On Loans and Advance 631.87 2555.97 1340.79 645.03 1238.44 484.43 1040.77 1154.31
1.2. On Investment 86.31 283.84 181.16 73.91 168.11 44.59 34.96 11.47
1.2.1 Government Bonds 73.58 176.22 180.40 62.20 103.35 44.59 33.02 11.47
1.2.2 Foreign Bonds 12.23 6.44
1.2.3 NRB Bonds 12.73 95.39 7.19 58.33
1.2.4 Deventure & Bonds 0.76 4.52 1.94
1.3 Agency Balance 0.01 0.00 1.12
1.4 On Call Deposit 1.70 0.61 0.23 10.08 3.28
1.5 Others 7.18 2.57 3.88 0.61 0.55 125.06
2. Comission & Discount 100.37 128.27 129.20 27.99 45.65 10.78 25.92 86.44
2.1 Bills Purchase & Discount 5.55 3.13 26.74 1.56 0.33 0.01 0.30 1.15
2.2 Comission 91.67 125.14 102.47 26.44 24.02 10.77 24.64 85.29
2.3 Others 3.15 21.29 0.99
3 Income From Exchange Fluctuation 35.40 73.86 90.89 13.28 50.77 7.60 32.61 26.99
3.1 Due to Change in Exchange Rate 2.01 90.68 9.27 2.11 2.41 2.96 9.83
3.2 Due to Foreign Currency Trans. 33.39 ‐16.82 90.89 4.01 48.66 5.20 29.64 17.17
4 Other Operating Income 24.95 69.58 1.19 29.38 32.94 9.46 27.81 0.48
5 Non Operating Income 78.08 3.47 1.91 8.24 0.17 1.46 0.23
6 Provision Written Back 291.29 22.12 94.45 61.68 0.12
7 Recovery from Written off Loan 24.61 0.18 58.14
8 Income from Extra Ordinary Expenses 3.07 3.97
9 Net Loss
TOTAL INCOME 1281.77 3115.60 1770.05 899.24 1546.78 562.69 1286.63 1405.10

25
 Profit and Loss Account
upto Magh 2068
Rs. in million

Citizens

Sunrise
ADBNL

Global

Prime
Laxmi

BOA
SBL
Expenses

1 Interest Expenses 957.20 1202.20 1371.04 869.28 841.57 1180.56 778.22 779.97
1.1 Deposit Liabilities 939.97 1199.89 1293.63 869.28 828.53 1171.03 778.22 778.93
1.1.1 Saving A/c 205.52 156.00 449.60 323.30 138.81 84.32 98.83 222.48
1.1.2 Fixed A/c 571.60 719.01 822.99 268.70 534.48 568.99 505.69 391.87
1.1.2.1 Upto 3 Months Fixed A/c 0.86 21.11 2.32 52.24 0.00 9.17
1.1.2.2 3 to 6 Months fixed A/c 6.19 54.63 3.06 34.69 24.13 47.90
1.1.2.3 6 Months to 1 Year Fixed A/c 223.97 295.63 70.99 351.05 504.00 334.80
1.1.2.4 Above 1 Year 340.58 347.64 746.62 268.70 96.50 40.85 505.69
1.1.3 Call Deposit 162.84 324.88 18.05 277.28 155.23 517.72 173.69 164.59
1.1.4 Certificate of Deposits 2.99
1.2 Others 17.24 2.31 77.42 13.05 9.52 1.04
2 Commission/Fee Expense 6.73 0.45 1.61
3 Employees Expenses 94.41 89.90 1197.20 81.51 58.86 50.72 80.43 107.59
4 Office Operatiing Expenses 96.74 165.59 142.84 219.76 113.88 91.65 99.93 137.81
5 Exchange Fluctuation Loss 1.73
5.1 Due to Change in Exchange Rates
5.2 Due to Foreign Currency Transactions 1.73
6 Non‐Operatiing Expenses 2.68 3.15 7.75
7. Provision for Risk 35.26 111.27 938.46 87.78 183.33 220.71 54.37
7.1 Loan loss Provision 25.45 111.27 932.26 87.78 152.90 220.71 31.03
7.1.1 General Loan loss Provision 8.92 111.27 87.75 5.20 17.22 31.03
7.1.2 Special Loan Loss Provision 16.52 844.51 82.58 135.68 220.71
7.1.3 Additional Loan Loss Provision
7.2. Provision for Non‐Banking Assets 1.17
7.3. Provision for Loss on Investment 5.25 29.26 23.33
7.4. Provision for Loss of Other Assets 9.81 0.95
8 Loan Written Off 46.68 1.03
9 Provision for Staff Bonus 29.20 19.39 66.83 18.99
10 Provision for Income Tax 87.59 58.18 147.07 56.97
11 Others 2.83
12 Net Profit 204.38 135.75 918.42 129.77 17.85 46.81
TOTAL EXPENSES 1504.78 1782.28 4835.77 1386.16 1128.14 1506.25 1179.29 1129.19

Income
1. Interest Income 1341.87 1623.66 3660.02 1238.04 984.98 1358.01 997.44 1043.81
1.1. On Loans and Advance 1287.43 1523.51 3385.23 1135.69 918.63 1293.00 893.39 999.32
1.2. On Investment 54.44 70.68 239.64 100.37 40.17 91.53 31.46
1.2.1 Government Bonds 52.20 239.64 100.07 40.17 91.53 0.96
1.2.2 Foreign Bonds
1.2.3 NRB Bonds 70.68 30.51
1.2.4 Deventure & Bonds 2.24 0.30
1.3 Agency Balance 0.19 0.00 10.77
1.4 On Call Deposit 29.28 1.07 26.19
1.5 Others 35.15 0.92 65.01 12.52 2.26
2. Comission & Discount 111.88 100.81 58.06 84.87 43.73 29.88 49.92 48.69
2.1 Bills Purchase & Discount 4.82 0.46 7.28 1.56 0.11 0.66
2.2 Comission 103.61 50.77 58.06 81.20 16.83 28.32 15.27 34.83
2.3 Others 3.44 50.04 3.21 19.62 34.55 13.20
3 Income From Exchange Fluctuation 42.66 57.81 21.84 27.69 12.85 14.45 ‐12.38 20.52
3.1 Due to Change in Exchange Rate 7.97 14.48 7.43 4.64 3.90 ‐25.56 2.88
3.2 Due to Foreign Currency Trans. 34.69 43.33 21.84 20.27 8.22 10.55 13.19 17.64
4 Other Operating Income 219.27 32.40 7.15 60.84 16.17
5 Non Operating Income 3.53 7.17 3.15 1.37
6 Provision Written Back 4.83 604.31 78.04 7.61 90.59
7 Recovery from Written off Loan 142.52
8 Income from Extra Ordinary Expenses 0.01 122.59
9 Net Loss 35.46 53.72
TOTAL INCOME 1504.78 1782.28 4835.77 1386.16 1128.14 1506.25 1179.29 1129.19

26
 Profit and Loss Account
upto Magh 2068
Rs. in million

Civil Bank

Century
Janata

CTBNL
Mega
DCBL

NMB

NIDC
Kist
Expenses

1 Interest Expenses 606.23 731.19 908.08 273.36 420.08 213.22 278.30 121.20 17.43
1.1 Deposit Liabilities 600.85 727.80 903.92 272.26 416.52 212.61 272.24 120.99 17.43
1.1.1 Saving A/c 339.99 94.27 338.43 21.84 134.31 27.73 20.85 32.81 2.51
1.1.2 Fixed A/c 50.12 478.09 416.56 147.94 211.34 90.38 119.65 58.11 13.77
1.1.2.1 Upto 3 Months Fixed A/c 9.64 0.85 17.01 57.39 9.39
1.1.2.2 3 to 6 Months fixed A/c 0.01 22.52 6.71 11.75 5.16 0.12
1.1.2.3 6 Months to 1 Year Fixed A/c 43.79 100.36 340.68 105.02 141.82 69.29 68.52 58.11 0.03
1.1.2.4 Above 1 Year 6.33 368.08 52.51 19.20 0.38 21.09 36.58 13.61
1.1.3 Call Deposit 207.82 155.45 148.93 102.48 70.88 94.50 131.74 30.07 1.16
1.1.4 Certificate of Deposits 2.92
1.2 Others 5.38 3.38 4.16 1.10 3.56 0.61 6.06 0.22
2 Commission/Fee Expense 0.18
3 Employees Expenses 50.09 54.97 131.57 43.80 62.24 33.34 47.37 20.25 18.26
4 Office Operatiing Expenses 57.47 88.27 163.55 60.77 87.52 52.42 62.81 39.12 17.39
5 Exchange Fluctuation Loss 3.54
5.1 Due to Change in Exchange Rates 3.54
5.2 Due to Foreign Currency Transactions
6 Non‐Operatiing Expenses 0.17
7. Provision for Risk 15.83 87.50 33.55 60.18 74.67 17.70 21.87 17.99
7.1 Loan loss Provision 15.83 84.39 29.76 15.18 56.53 17.70 21.87 7.37
7.1.1 General Loan loss Provision 6.59 3.52 0.79 15.18 28.32 17.70 21.87 7.37
7.1.2 Special Loan Loss Provision 9.24 80.87 30.61 28.21
7.1.3 Additional Loan Loss Provision ‐1.64
7.2. Provision for Non‐Banking Assets 2.61
7.3. Provision for Loss on Investment 0.50 3.79 18.14 10.63
7.4. Provision for Loss of Other Assets 45.00
8 Loan Written Off 0.10
9 Provision for Staff Bonus 14.35 0.06 10.26
10 Provision for Income Tax 43.06 0.18 14.53
11 Others
12 Net Profit 7.84 33.57 ‐94.96 0.41 113.70
TOTAL EXPENSES 798.41 995.49 1142.07 438.75 644.51 316.69 410.52 198.57 191.58

Income
1. Interest Income 708.80 887.17 1071.23 399.71 581.02 255.42 313.60 150.48 83.41
1.1. On Loans and Advance 646.37 809.28 957.16 375.99 528.74 226.96 301.31 117.92 52.84
1.2. On Investment 58.26 71.49 93.44 22.69 10.04 12.36 11.02 16.61 0.20
1.2.1 Government Bonds 58.26 70.59 93.44 22.68 10.04 1.67 11.02 0.20
1.2.2 Foreign Bonds
1.2.3 NRB Bonds 0.01 10.69 16.61
1.2.4 Deventure & Bonds 0.90
1.3 Agency Balance 0.61 0.00 0.03
1.4 On Call Deposit 0.09 6.05 1.02 10.65 1.27
1.5 Others 4.17 6.30 13.97 0.00 31.55 16.10 15.95 30.38
2. Comission & Discount 10.70 18.22 60.79 31.78 8.65 23.72 19.72 12.13
2.1 Bills Purchase & Discount 1.40 0.69 1.00 0.13 0.33
2.2 Comission 9.30 17.09 13.96 29.37 8.52 1.78 19.39 1.12
2.3 Others 0.45 45.82 2.40 21.94 11.01
3 Income From Exchange Fluctuation 6.94 36.88 9.41 7.20 12.25 3.63 9.43 0.53
3.1 Due to Change in Exchange Rate 3.00 0.40 ‐1.21 1.95 3.63 ‐0.13 0.53
3.2 Due to Foreign Currency Trans. 6.94 33.87 9.00 8.41 10.30 9.56
4 Other Operating Income 18.57 31.83 17.84 14.44 12.53
5 Non Operating Income 0.48 8.16 0.64 0.07 0.52 0.43 71.57
6 Provision Written Back 52.92 11.11 24.07
7 Recovery from Written off Loan 2.13
8 Income from Extra Ordinary Expenses
9 Net Loss 24.23 33.93 53.34 35.01
TOTAL INCOME 798.41 995.49 1142.07 438.75 644.51 316.69 410.52 198.57 191.58

27
 Profit and Loss Account
upto Magh 2068
Rs. in million

Pashupati
Uddhyam

Narayani

Sahayogi
Malika

MDBL
UDBL

PDBL
SDBL
Expenses

1 Interest Expenses 13.36 45.79 232.46 2.81 138.45 53.52 99.35 53.48 33.01
1.1 Deposit Liabilities 13.36 45.79 230.27 0.87 130.56 49.59 99.25 53.48 31.99
1.1.1 Saving A/c 2.47 37.31 94.61 0.26 16.40 28.68 50.43 40.15 7.70
1.1.2 Fixed A/c 6.07 6.35 97.98 0.62 58.83 20.91 36.25 12.17 16.17
1.1.2.1 Upto 3 Months Fixed A/c 5.03 1.28 1.17 0.08
1.1.2.2 3 to 6 Months fixed A/c 2.77 0.71 0.42 1.44
1.1.2.3 6 Months to 1 Year Fixed A/c 5.39 2.19 33.71 12.34 6.89 30.61 3.10 12.87
1.1.2.4 Above 1 Year 0.68 4.16 56.47 0.62 46.49 12.03 4.05 9.07 1.78
1.1.3 Call Deposit 4.82 2.13 37.68 55.33 12.58 1.16 8.12
1.1.4 Certificate of Deposits
1.2 Others 2.19 1.94 7.89 3.93 0.09 1.02
2 Commission/Fee Expense 1.32 0.13
3 Employees Expenses 3.12 19.42 28.54 0.75 26.80 7.18 19.75 6.04 11.62
4 Office Operatiing Expenses 4.81 21.54 40.61 0.30 36.34 6.28 17.96 10.26 15.53
5 Exchange Fluctuation Loss 0.04
5.1 Due to Change in Exchange Rates 0.04
5.2 Due to Foreign Currency Transactions
6 Non‐Operatiing Expenses 41.17
7. Provision for Risk 3.04 20.78 35.17 0.57 53.53 16.15 7.41 6.80 3.06
7.1 Loan loss Provision 3.03 17.78 33.77 0.57 53.53 11.93 7.41 6.80 3.06
7.1.1 General Loan loss Provision 2.67 1.54 1.23 1.23 1.25 0.65
7.1.2 Special Loan Loss Provision 3.03 15.11 32.01 0.57 53.53 10.71 6.18 5.55 2.41
7.1.3 Additional Loan Loss Provision 0.22
7.2. Provision for Non‐Banking Assets 0.01
7.3. Provision for Loss on Investment 3.00 1.39 4.22
7.4. Provision for Loss of Other Assets
8 Loan Written Off
9 Provision for Staff Bonus 2.36 4.42 1.14
10 Provision for Income Tax 7.08 13.18 3.41
11 Others 0.02
12 Net Profit 16.52 6.56 7.97 16.70 25.94
TOTAL EXPENSES 24.34 133.48 362.34 4.43 296.29 83.13 156.98 93.28 89.28

Income
1. Interest Income 15.93 103.09 319.99 0.78 174.98 62.71 143.54 83.26 83.08
1.1. On Loans and Advance 12.46 80.43 291.24 0.77 152.52 45.71 120.25 66.49 68.67
1.2. On Investment 2.48 9.69 9.56 0.99
1.2.1 Government Bonds 2.48 9.69 9.56 0.54
1.2.2 Foreign Bonds
1.2.3 NRB Bonds 0.45
1.2.4 Deventure & Bonds
1.3 Agency Balance 11.77 9.25
1.4 On Call Deposit 3.47 17.20 18.52 0.01 18.83 16.76
1.5 Others 2.98 0.53 1.13 7.76 3.47 14.41
2. Comission & Discount 0.43 4.81 3.16 0.01 4.91 0.24 2.01 3.08 0.37
2.1 Bills Purchase & Discount 0.06 0.00
2.2 Comission 0.06 4.81 3.11 4.91 0.24 2.01 3.08 0.37
2.3 Others 0.37 0.01
3 Income From Exchange Fluctuation 0.12 0.09
3.1 Due to Change in Exchange Rate 0.09
3.2 Due to Foreign Currency Trans. 0.12
4 Other Operating Income 6.74 14.56 1.27 11.14 6.56 5.83
5 Non Operating Income 1.54 0.41 0.24 0.28 ‐0.06
6 Provision Written Back 1.67 17.30 24.10 47.26 3.31 0.38 0.06
7 Recovery from Written off Loan 0.35
8 Income from Extra Ordinary Expenses 2.40
9 Net Loss 6.30 3.29 66.65 15.35
TOTAL INCOME 24.34 133.48 362.34 4.43 296.29 83.13 156.98 93.28 89.28

28
 Profit and Loss Account
upto Magh 2068
Rs. in million

Bageshwori

Gaurishank
Annapurna

Suvekchha
Bhrikuti

Gurkha
Sanima
Karnali

Triveni
Expenses

ar
1 Interest Expenses 35.28 99.95 110.22 123.63 59.05 54.06 411.32 72.49 196.19
1.1 Deposit Liabilities 35.28 99.80 75.49 123.38 54.52 54.00 406.21 72.49 193.06
1.1.1 Saving A/c 25.15 42.46 27.59 59.09 17.66 41.24 144.89 19.99 56.07
1.1.2 Fixed A/c 10.13 40.24 25.96 33.02 24.42 6.59 212.13 7.45 112.88
1.1.2.1 Upto 3 Months Fixed A/c 0.07 1.38 2.62 0.00
1.1.2.2 3 to 6 Months fixed A/c 3.80 0.14 0.03 5.11 0.05
1.1.2.3 6 Months to 1 Year Fixed A/c 16.54 25.14 9.68 0.41 170.06 2.80 75.95
1.1.2.4 Above 1 Year 10.13 19.90 25.96 7.66 13.34 6.18 34.34 4.65 36.87
1.1.3 Call Deposit 17.10 21.93 31.28 12.45 6.17 49.19 45.04 24.12
1.1.4 Certificate of Deposits
1.2 Others 0.15 34.73 0.24 4.53 0.07 5.10 3.13
2 Commission/Fee Expense
3 Employees Expenses 9.35 9.86 15.96 17.05 7.74 12.74 43.55 8.49 25.38
4 Office Operatiing Expenses 8.16 16.98 16.68 13.37 9.54 6.52 52.80 12.53 41.77
5 Exchange Fluctuation Loss 4.60
5.1 Due to Change in Exchange Rates 4.60
5.2 Due to Foreign Currency Transactions
6 Non‐Operatiing Expenses 14.46
7. Provision for Risk 2.66 6.56 207.93 18.97 4.88 5.26 17.06 2.39 615.39
7.1 Loan loss Provision 2.66 6.56 207.93 18.97 4.88 5.26 16.71 2.39 615.39
7.1.1 General Loan loss Provision 2.66 0.60 0.08 13.14 0.20 5.26 16.71 0.15 ‐82.31
7.1.2 Special Loan Loss Provision 5.96 207.86 5.83 4.68 2.24 697.71
7.1.3 Additional Loan Loss Provision
7.2. Provision for Non‐Banking Assets
7.3. Provision for Loss on Investment 0.35
7.4. Provision for Loss of Other Assets
8 Loan Written Off
9 Provision for Staff Bonus 2.81 8.46
10 Provision for Income Tax 8.44 25.50
11 Others 2.07 157.69
12 Net Profit 14.59 19.68 5.67 14.69 28.19 16.41
TOTAL EXPENSES 55.45 147.94 352.85 203.95 86.88 93.27 605.95 112.31 1036.42

Income
1. Interest Income 42.32 137.59 126.52 192.65 82.09 82.91 577.95 107.50 232.99
1.1. On Loans and Advance 36.10 127.15 98.76 162.79 72.40 76.96 500.70 61.04 226.94
1.2. On Investment 1.13 0.03 34.98
1.2.1 Government Bonds 0.03 34.98
1.2.2 Foreign Bonds
1.2.3 NRB Bonds 1.13
1.2.4 Deventure & Bonds
1.3 Agency Balance
1.4 On Call Deposit 6.22 10.43 27.75 26.91 9.69 5.83 31.53 46.45 6.01
1.5 Others 1.81 0.09 10.75 0.04
2. Comission & Discount 6.55 10.35 42.75 0.86 0.56 10.36 5.95 4.82 0.23
2.1 Bills Purchase & Discount 0.12
2.2 Comission 1.62 1.54 1.53 0.86 0.56 4.32 5.95 0.84 0.23
2.3 Others 4.93 8.81 41.10 6.04 3.97
3 Income From Exchange Fluctuation 2.28 0.21
3.1 Due to Change in Exchange Rate 0.20
3.2 Due to Foreign Currency Trans. 2.28 0.01
4 Other Operating Income 10.44 4.22 19.76 2.54
5 Non Operating Income 0.01
6 Provision Written Back 15.77 0.02
7 Recovery from Written off Loan
8 Income from Extra Ordinary Expenses
9 Net Loss 6.58 167.82 800.44
TOTAL INCOME 55.45 147.94 352.85 203.95 86.88 93.27 605.95 112.31 1036.42

29
 Profit and Loss Account
upto Magh 2068
Rs. in million

Infrastructu

Biratlaxmi
Business
Gandaki

Araniko
WDBL

H&B

NDEP
Excel
Expenses

re
1 Interest Expenses 101.54 97.17 95.50 107.78 83.76 26.59 404.37 20.23 249.27
1.1 Deposit Liabilities 85.11 97.17 95.47 107.78 83.76 26.59 403.17 20.23 242.97
1.1.1 Saving A/c 37.41 21.92 39.78 51.75 64.98 20.74 153.30 15.94 70.77
1.1.2 Fixed A/c 28.82 53.66 30.52 38.18 18.78 5.86 203.69 4.29 84.07
1.1.2.1 Upto 3 Months Fixed A/c 0.02 22.78 0.94 0.63 55.85
1.1.2.2 3 to 6 Months fixed A/c 0.74 3.37 1.37 1.03 1.11 1.08 12.83
1.1.2.3 6 Months to 1 Year Fixed A/c 16.71 23.41 17.36 15.56 8.04 1.21 83.36
1.1.2.4 Above 1 Year 11.34 4.10 10.85 21.60 8.99 3.56 51.65 4.29 84.07
1.1.3 Call Deposit 18.89 21.59 25.18 17.85 46.19 88.13
1.1.4 Certificate of Deposits
1.2 Others 16.43 0.03 1.20 6.30
2 Commission/Fee Expense 0.01
3 Employees Expenses 11.45 11.91 7.59 18.02 8.52 4.61 44.45 5.00 24.27
4 Office Operatiing Expenses 12.42 20.39 10.20 9.80 9.07 2.41 45.46 3.07 42.48
5 Exchange Fluctuation Loss 0.00 0.02
5.1 Due to Change in Exchange Rates 0.00 0.01
5.2 Due to Foreign Currency Transactions 0.01
6 Non‐Operatiing Expenses 0.90 24.99 6.17
7. Provision for Risk 4.37 4.09 0.89 0.07 3.23 41.06 12.51 65.59
7.1 Loan loss Provision 4.37 4.09 0.89 0.07 3.23 41.06 12.51 65.59
7.1.1 General Loan loss Provision 0.80 0.21 0.07 3.23 0.04 0.20 65.59
7.1.2 Special Loan Loss Provision 3.57 3.88 0.89 41.01 12.31
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 2.92 5.92 3.43
10 Provision for Income Tax 9.25 17.77 10.28
11 Others
12 Net Profit 25.73 21.46 41.45 19.42 23.98 7.98 10.71 ‐73.78
TOTAL EXPENSES 156.41 167.19 179.32 180.08 142.26 47.76 535.34 51.53 307.85

Income
1. Interest Income 146.61 153.96 170.86 163.73 131.60 36.52 500.84 30.59 295.62
1.1. On Loans and Advance 114.13 129.78 143.09 134.48 98.72 36.52 462.53 30.59 267.30
1.2. On Investment 1.08 2.77 3.38
1.2.1 Government Bonds 2.77 3.38
1.2.2 Foreign Bonds
1.2.3 NRB Bonds
1.2.4 Deventure & Bonds 1.08
1.3 Agency Balance 32.88 17.84
1.4 On Call Deposit 16.06 24.03 21.80 28.17 28.10 5.25
1.5 Others 16.43 0.16 5.97 7.45 1.85
2. Comission & Discount 1.34 1.14 0.10 14.65 1.53 2.62 3.79 0.41 6.70
2.1 Bills Purchase & Discount 0.36
2.2 Comission 0.57 1.14 0.10 0.21 2.62 3.79 0.41 6.34
2.3 Others 0.77 14.65 1.31
3 Income From Exchange Fluctuation 0.06 0.13 0.00 0.01 0.36
3.1 Due to Change in Exchange Rate 0.06 0.13 0.01 0.16
3.2 Due to Foreign Currency Trans. 0.00 0.00 0.20
4 Other Operating Income 8.31 6.38 6.19 5.73 20.68 13.67 5.16
5 Non Operating Income 0.24 8.62 0.24
6 Provision Written Back 0.09 5.33 2.17 1.70 3.40 4.26 6.84
7 Recovery from Written off Loan
8 Income from Extra Ordinary Expenses
9 Net Loss 5.54
TOTAL INCOME 156.41 167.19 179.32 180.08 142.26 47.76 535.34 51.53 307.85

30
 Profit and Loss Account
upto Magh 2068
Rs. in million

Muktinath

Mahakali
Kankai
CEDBL

Miteri

Public
Rising
Tinau

Sewa
Expenses

1 Interest Expenses 252.46 36.36 60.09 43.88 118.69 87.53 18.12 32.03 8.10
1.1 Deposit Liabilities 218.45 32.00 59.65 43.58 103.75 87.51 18.12 31.90 8.10
1.1.1 Saving A/c 60.69 25.42 13.53 25.76 60.79 44.18 10.48 11.27 6.41
1.1.2 Fixed A/c 106.34 1.07 33.44 17.81 30.69 21.10 2.28 18.99 1.69
1.1.2.1 Upto 3 Months Fixed A/c 9.36 0.12 0.12 0.16 0.00
1.1.2.2 3 to 6 Months fixed A/c 9.73 0.22 0.12 0.20 4.85 0.02 0.16 5.08
1.1.2.3 6 Months to 1 Year Fixed A/c 73.16 0.10 17.44 13.49 15.26 9.34 1.69 8.61
1.1.2.4 Above 1 Year 14.10 0.64 15.76 4.13 10.58 11.57 0.42 5.30 1.69
1.1.3 Call Deposit 51.42 5.51 12.69 12.28 22.23 5.37 1.64
1.1.4 Certificate of Deposits
1.2 Others 34.01 4.36 0.43 0.30 14.94 0.02 0.13
2 Commission/Fee Expense 1.33
3 Employees Expenses 32.24 4.87 5.31 8.52 27.78 12.12 4.19 8.29 3.04
4 Office Operatiing Expenses 34.92 4.81 5.51 10.03 22.61 10.54 4.92 7.40 2.58
5 Exchange Fluctuation Loss 7.91
5.1 Due to Change in Exchange Rates 7.91
5.2 Due to Foreign Currency Transactions
6 Non‐Operatiing Expenses 0.08 1.31
7. Provision for Risk 44.07 1.57 6.43 4.24 5.55 2.57 24.67 2.23
7.1 Loan loss Provision 33.91 1.57 6.43 4.24 5.55 2.57 24.67 2.23
7.1.1 General Loan loss Provision ‐0.23 0.84 ‐0.02 3.13 2.03 2.57 24.67 2.23
7.1.2 Special Loan Loss Provision 34.13 0.70 6.45 1.11 3.51
7.1.3 Additional Loan Loss Provision 0.04
7.2. Provision for Non‐Banking Assets
7.3. Provision for Loss on Investment 10.16
7.4. Provision for Loss of Other Assets
8 Loan Written Off 0.04
9 Provision for Staff Bonus 1.36 0.35 4.82 1.49 0.27
10 Provision for Income Tax 4.08 1.04 14.45 4.48 0.80
11 Others
12 Net Profit 9.51 12.97 2.44 6.39 33.72 10.44 1.86
TOTAL EXPENSES 387.87 60.67 74.73 75.26 226.30 132.15 29.80 73.74 18.87

Income
1. Interest Income 359.16 54.24 68.49 69.68 203.22 119.07 27.21 47.54 17.65
1.1. On Loans and Advance 284.79 41.91 49.56 58.29 178.96 102.69 25.28 45.69 13.34
1.2. On Investment 11.69 0.43 0.10 0.12
1.2.1 Government Bonds 0.12
1.2.2 Foreign Bonds
1.2.3 NRB Bonds 0.10
1.2.4 Deventure & Bonds 11.69 0.43
1.3 Agency Balance
1.4 On Call Deposit 47.76 7.58 18.49 7.40 24.27 15.96 1.93 1.75
1.5 Others 14.91 4.75 0.43 3.99 4.18
2. Comission & Discount 24.90 0.97 0.30 0.85 3.56 2.23 1.97 0.69 1.22
2.1 Bills Purchase & Discount 0.02
2.2 Comission 3.56 0.97 0.30 0.73 3.56 2.23 0.40 0.69 1.17
2.3 Others 21.32 0.12 1.57 0.00 0.05
3 Income From Exchange Fluctuation 1.53
3.1 Due to Change in Exchange Rate
3.2 Due to Foreign Currency Trans. 1.53
4 Other Operating Income 5.46 5.94 4.73 19.03 10.85 1.61
5 Non Operating Income
6 Provision Written Back 2.28 0.48
7 Recovery from Written off Loan
8 Income from Extra Ordinary Expenses 0.55
9 Net Loss 0.61 23.35
TOTAL INCOME 387.87 60.67 74.73 75.26 226.30 132.15 29.80 73.74 18.87

31
 Profit and Loss Account
upto Magh 2068
Rs. in million

Shangrila

Resunga
Bhargav

Country

Alpine
diyalo

Nilgiri
Rara
Ace
Expenses

1 Interest Expenses 288.80 10.41 110.93 39.16 18.44 28.11 85.97 25.19 22.97
1.1 Deposit Liabilities 285.60 10.41 110.93 39.16 18.44 27.47 84.73 25.19 22.97
1.1.1 Saving A/c 139.62 5.62 57.62 35.26 15.00 4.83 9.45 15.54 9.83
1.1.2 Fixed A/c 127.77 3.22 42.41 3.90 3.44 9.97 34.92 7.38 8.76
1.1.2.1 Upto 3 Months Fixed A/c 1.19 0.21 0.13 0.03 0.38 2.27 0.03 0.06
1.1.2.2 3 to 6 Months fixed A/c 0.04 0.78 0.71 0.08 0.07 1.08 0.11 0.65
1.1.2.3 6 Months to 1 Year Fixed A/c 107.53 1.45 30.88 0.57 1.74 7.44 29.47 4.31 3.58
1.1.2.4 Above 1 Year 19.01 0.78 10.70 3.33 1.59 2.08 2.10 2.93 4.47
1.1.3 Call Deposit 18.21 1.57 10.90 12.67 40.36 2.27 4.38
1.1.4 Certificate of Deposits
1.2 Others 3.20 0.64 1.24
2 Commission/Fee Expense 0.21
3 Employees Expenses 30.06 3.06 14.56 5.17 2.89 3.40 5.21 5.25 2.44
4 Office Operatiing Expenses 42.56 3.79 16.27 4.23 4.81 4.55 8.29 5.72 1.70
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 25.53 0.41 9.48 3.63 0.51 0.05 9.56 1.70 1.24
7.1 Loan loss Provision 25.53 0.41 9.48 2.18 0.51 0.05 9.07 1.70 1.24
7.1.1 General Loan loss Provision 3.78 0.41 1.56 0.51 0.05 0.37 0.28 0.57
7.1.2 Special Loan Loss Provision 21.74 7.92 8.70 1.43 0.67
7.1.3 Additional Loan Loss Provision 2.18
7.2. Provision for Non‐Banking Assets
7.3. Provision for Loss on Investment
7.4. Provision for Loss of Other Assets 1.44 0.49
8 Loan Written Off
9 Provision for Staff Bonus 0.17 2.73 0.69 0.29 0.75
10 Provision for Income Tax 0.52 8.19 2.07 0.87 2.26
11 Others 1.67
12 Net Profit 1.21 19.11 11.97 12.36 2.93 2.02 6.25 5.18
TOTAL EXPENSES 386.95 19.57 181.28 64.15 39.01 41.81 114.09 47.13 33.53

Income
1. Interest Income 329.58 12.66 169.71 58.24 36.54 39.35 108.02 42.06 30.45
1.1. On Loans and Advance 287.80 12.53 151.54 39.94 25.81 30.47 86.30 38.47 25.14
1.2. On Investment 4.22 0.14 0.44 0.88
1.2.1 Government Bonds 4.22 0.44 0.88
1.2.2 Foreign Bonds
1.2.3 NRB Bonds 0.14
1.2.4 Deventure & Bonds
1.3 Agency Balance
1.4 On Call Deposit 30.68 18.16 18.30 10.73 20.47 3.60 5.31
1.5 Others 6.88 8.44 0.37
2. Comission & Discount 0.69 1.47 11.56 5.91 2.46 0.04 0.59 4.85 1.53
2.1 Bills Purchase & Discount
2.2 Comission 0.69 1.47 1.86 3.30 1.76 0.04 0.29 0.83 0.11
2.3 Others 9.71 2.62 0.71 0.30 4.02 1.42
3 Income From Exchange Fluctuation 1.02 0.01 0.08
3.1 Due to Change in Exchange Rate 0.03 0.01
3.2 Due to Foreign Currency Trans. 0.99 0.08
4 Other Operating Income 20.18 2.92 1.88 4.72 1.47
5 Non Operating Income 3.11 0.09
6 Provision Written Back 2.44 0.53 0.75 0.21
7 Recovery from Written off Loan
8 Income from Extra Ordinary Expenses 0.02
9 Net Loss 32.36
TOTAL INCOME 386.95 19.57 181.28 64.15 39.01 41.81 114.09 47.13 33.53

32
 Profit and Loss Account
upto Magh 2068
Rs. in million

Professiona
Kasthaman

Pathibhara
Corporate
Kamana
Garima

Bishow

Kabeli
City
dap
Expenses

l
1 Interest Expenses 205.87 89.84 110.41 111.26 8.81 10.11 72.98 67.36 40.92
1.1 Deposit Liabilities 203.80 89.84 110.40 110.98 8.81 10.11 60.54 67.34 40.92
1.1.1 Saving A/c 86.01 49.13 53.79 29.25 6.48 7.15 32.73 21.25 22.14
1.1.2 Fixed A/c 68.50 28.89 38.92 57.32 1.27 2.41 22.61 39.49 5.75
1.1.2.1 Upto 3 Months Fixed A/c 4.95 2.82 2.59 0.04 0.43
1.1.2.2 3 to 6 Months fixed A/c 3.73 3.48 2.20 2.14 0.23 0.22 1.09 0.08
1.1.2.3 6 Months to 1 Year Fixed A/c 50.38 16.83 23.63 35.21 0.66 1.03 8.62 36.24 3.16
1.1.2.4 Above 1 Year 9.44 8.58 10.27 17.38 0.38 1.11 12.48 3.26 2.50
1.1.3 Call Deposit 49.29 11.82 17.69 24.40 1.06 0.55 5.21 6.59 13.04
1.1.4 Certificate of Deposits
1.2 Others 2.07 0.02 0.28 12.44 0.02
2 Commission/Fee Expense 0.03
3 Employees Expenses 22.47 12.45 8.60 10.81 3.10 3.28 7.51 4.93 8.05
4 Office Operatiing Expenses 34.94 13.94 14.74 14.87 3.01 1.59 9.16 4.85 9.77
5 Exchange Fluctuation Loss 0.20
5.1 Due to Change in Exchange Rates 0.20
5.2 Due to Foreign Currency Transactions
6 Non‐Operatiing Expenses 1.16
7. Provision for Risk 11.44 2.63 12.45 2.29 0.54 0.90 1.63 11.23 7.03
7.1 Loan loss Provision 11.44 2.63 6.20 2.29 0.44 0.90 1.63 11.23 7.03
7.1.1 General Loan loss Provision ‐1.31 2.63 4.06 2.29 0.44 0.90 ‐0.96 0.61 1.01
7.1.2 Special Loan Loss Provision 12.75 2.14 2.59 10.62 6.02
7.1.3 Additional Loan Loss Provision
7.2. Provision for Non‐Banking Assets
7.3. Provision for Loss on Investment 6.25 0.10
7.4. Provision for Loss of Other Assets
8 Loan Written Off
9 Provision for Staff Bonus 3.02 2.01 2.83 0.58 0.05 2.14 0.21 0.21
10 Provision for Income Tax 9.07 6.04 8.49 1.74 0.16 6.42 0.63 0.62
11 Others
12 Net Profit 21.16 14.09 19.81 4.07 0.38 14.99 1.47 1.44
TOTAL EXPENSES 274.94 152.11 168.34 170.35 21.85 17.64 114.85 90.68 68.04

Income
1. Interest Income 254.02 135.33 157.59 158.17 20.70 16.01 108.32 84.49 62.64
1.1. On Loans and Advance 204.97 114.65 134.59 138.94 14.02 13.81 91.33 74.46 52.39
1.2. On Investment 5.66 0.07
1.2.1 Government Bonds 5.66 0.07
1.2.2 Foreign Bonds
1.2.3 NRB Bonds
1.2.4 Deventure & Bonds
1.3 Agency Balance
1.4 On Call Deposit 20.68 19.05 19.23 6.67 2.19 16.99 10.25
1.5 Others 43.39 3.88 0.01 10.02
2. Comission & Discount 3.47 1.51 10.73 12.05 0.07 0.74 1.36 0.50 0.91
2.1 Bills Purchase & Discount 0.00 0.14
2.2 Comission 3.43 1.51 10.73 0.81 0.07 0.74 1.36 0.16 0.91
2.3 Others 0.05 11.25 0.20
3 Income From Exchange Fluctuation 0.17 0.01
3.1 Due to Change in Exchange Rate 0.00
3.2 Due to Foreign Currency Trans. 0.17 0.01
4 Other Operating Income 6.16 15.28 1.08 0.89 5.17 5.69 4.17
5 Non Operating Income 0.13 0.32
6 Provision Written Back
7 Recovery from Written off Loan
8 Income from Extra Ordinary Expenses
9 Net Loss 11.12
TOTAL INCOME 274.94 152.11 168.34 170.35 21.85 17.64 114.85 90.68 68.04

33
 Profit and Loss Account
upto Magh 2068
Rs. in million

Purnima

Bagmati

Hamro

Pacific
Kakre

Shine
Jyoti

Civic

IDBL
Expenses

1 Interest Expenses 36.49 160.23 5.42 10.92 7.37 84.12 17.61 4.52 227.56
1.1 Deposit Liabilities 36.49 160.13 5.42 10.92 7.37 84.12 17.61 4.52 223.29
1.1.1 Saving A/c 18.20 59.06 3.30 5.24 5.60 40.60 9.29 3.83 68.04
1.1.2 Fixed A/c 12.18 70.32 0.99 3.43 1.77 27.44 2.85 0.69 89.38
1.1.2.1 Upto 3 Months Fixed A/c 0.02 0.03 2.20
1.1.2.2 3 to 6 Months fixed A/c 0.15 0.02 0.02 0.00 0.07 0.14 5.99
1.1.2.3 6 Months to 1 Year Fixed A/c 9.87 0.13 0.46 2.72 0.85 15.05 1.41 0.38 64.66
1.1.2.4 Above 1 Year 2.14 70.18 0.53 0.65 0.92 12.31 1.30 0.31 16.54
1.1.3 Call Deposit 6.10 30.74 1.12 2.24 16.08 5.47 65.86
1.1.4 Certificate of Deposits
1.2 Others 0.10 4.27
2 Commission/Fee Expense
3 Employees Expenses 5.43 22.51 2.15 2.70 1.78 6.65 2.47 2.10 27.64
4 Office Operatiing Expenses 7.93 35.51 1.16 3.14 2.14 8.79 3.78 2.90 43.13
5 Exchange Fluctuation Loss 0.32
5.1 Due to Change in Exchange Rates
5.2 Due to Foreign Currency Transactions 0.32
6 Non‐Operatiing Expenses
7. Provision for Risk 2.61 18.38 0.28 0.32 5.58 1.82 0.49 124.96
7.1 Loan loss Provision 2.61 18.37 0.28 0.32 4.60 1.82 0.49 123.98
7.1.1 General Loan loss Provision 0.95 0.80 0.21 0.32 3.79 0.57 0.23
7.1.2 Special Loan Loss Provision 1.67 17.57 0.07 0.81 1.24 0.26 123.98
7.1.3 Additional Loan Loss Provision
7.2. Provision for Non‐Banking Assets
7.3. Provision for Loss on Investment 0.98 0.98
7.4. Provision for Loss of Other Assets 0.01
8 Loan Written Off
9 Provision for Staff Bonus 2.89 2.13
10 Provision for Income Tax 8.67 6.39 1.30
11 Others
12 Net Profit 1.77 20.24 1.49 4.24 3.53 14.91 4.10
TOTAL EXPENSES 54.23 268.44 10.49 21.32 14.81 128.56 31.09 10.01 423.60

Income
1. Interest Income 49.67 253.28 9.63 19.54 13.24 118.94 24.63 7.67 263.43
1.1. On Loans and Advance 38.45 222.01 8.34 17.21 12.04 94.28 24.63 6.01 236.31
1.2. On Investment 2.86 0.05 0.46
1.2.1 Government Bonds 2.86 0.05 0.46
1.2.2 Foreign Bonds
1.2.3 NRB Bonds
1.2.4 Deventure & Bonds
1.3 Agency Balance
1.4 On Call Deposit 11.22 25.44 1.29 2.28 24.20 1.66 24.22
1.5 Others 2.97 1.20 2.90
2. Comission & Discount 0.64 10.90 0.12 0.73 0.23 9.53 0.53 4.60
2.1 Bills Purchase & Discount 2.32
2.2 Comission 0.64 10.90 0.12 0.15 0.19 1.64 0.53 2.28
2.3 Others 0.58 0.04 7.90
3 Income From Exchange Fluctuation 0.02
3.1 Due to Change in Exchange Rate 0.01
3.2 Due to Foreign Currency Trans. 0.01
4 Other Operating Income 3.92 4.24 0.72 1.04 2.32 1.43 6.02
5 Non Operating Income 1.35 0.09 2.65
6 Provision Written Back 0.02 0.96 11.64
7 Recovery from Written off Loan
8 Income from Extra Ordinary Expenses
9 Net Loss 0.91 137.90
TOTAL INCOME 54.23 268.44 10.49 21.32 14.81 128.56 31.09 10.01 423.60

34
 Profit and Loss Account
upto Magh 2068
Rs. in million

Matribhum

Innovative

Gaumukhi
Kanchan

Jhimruk

Metro
Bright
Gulmi

Vibor
Expenses

i
1 Interest Expenses 12.49 25.19 8.46 21.22 26.48 7.21 35.18 214.83 3.91
1.1 Deposit Liabilities 12.49 25.19 8.46 21.15 26.48 7.21 35.18 173.80 3.91
1.1.1 Saving A/c 11.18 21.52 3.95 4.85 9.25 4.19 14.47 34.62 3.73
1.1.2 Fixed A/c 1.31 3.67 2.41 4.12 7.69 1.18 12.88 97.85 0.18
1.1.2.1 Upto 3 Months Fixed A/c 0.20 0.05 0.00 0.00 0.01 0.11 1.33
1.1.2.2 3 to 6 Months fixed A/c 0.51 0.06 0.00 0.00 0.02 0.68 0.05
1.1.2.3 6 Months to 1 Year Fixed A/c 0.69 1.78 0.96 1.99 5.97 0.25 8.65 16.37 0.03
1.1.2.4 Above 1 Year 0.62 1.18 1.34 2.13 1.71 0.91 3.45 80.10 0.14
1.1.3 Call Deposit 2.11 12.18 9.55 1.84 7.83 41.33
1.1.4 Certificate of Deposits
1.2 Others 0.07 41.04
2 Commission/Fee Expense 0.11 0.04
3 Employees Expenses 2.04 4.84 2.29 3.24 4.11 1.76 2.82 22.33 1.54
4 Office Operatiing Expenses 2.21 6.00 1.71 3.78 7.54 2.18 5.84 36.48 0.70
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 0.38 1.80 0.71 1.09 0.53 0.79 1.09 62.50 0.48
7.1 Loan loss Provision 0.38 1.80 0.71 1.09 0.53 0.69 1.09 45.15 0.48
7.1.1 General Loan loss Provision 0.38 0.40 0.07 0.33 0.53 0.50 1.09 0.05 0.38
7.1.2 Special Loan Loss Provision 1.40 0.64 0.58 0.19 45.10 0.09
7.1.3 Additional Loan Loss Provision 0.18
7.2. Provision for Non‐Banking Assets 17.34
7.3. Provision for Loss on Investment 0.10
7.4. Provision for Loss of Other Assets
8 Loan Written Off
9 Provision for Staff Bonus 0.24 0.50
10 Provision for Income Tax 0.72 1.49
11 Others
12 Net Profit 1.64 4.86 1.67 0.20 0.73 3.48 1.09
TOTAL EXPENSES 18.76 42.70 13.18 31.95 38.86 12.78 50.40 336.14 7.75

Income
1. Interest Income 17.16 38.53 11.19 29.77 35.02 10.88 46.65 195.64 5.76
1.1. On Loans and Advance 11.15 27.57 8.82 26.56 27.70 10.20 40.55 144.93 5.38
1.2. On Investment 4.69
1.2.1 Government Bonds 3.65
1.2.2 Foreign Bonds
1.2.3 NRB Bonds 1.04
1.2.4 Deventure & Bonds
1.3 Agency Balance
1.4 On Call Deposit 5.95 5.95 2.37 3.08 7.32 0.68 6.11 2.59 0.38
1.5 Others 0.06 5.02 0.13 43.42
2. Comission & Discount 0.19 4.16 1.43 0.08 0.65 1.58 0.28 0.02 1.75
2.1 Bills Purchase & Discount
2.2 Comission 3.48 0.45 0.08 0.22 1.47 0.02 1.38
2.3 Others 0.19 0.68 0.97 0.43 0.11 0.28 0.36
3 Income From Exchange Fluctuation
3.1 Due to Change in Exchange Rate
3.2 Due to Foreign Currency Trans.
4 Other Operating Income 1.41 2.10 3.20 3.47 37.57 0.23
5 Non Operating Income 0.38
6 Provision Written Back 0.32 62.50 0.01
7 Recovery from Written off Loan
8 Income from Extra Ordinary Expenses
9 Net Loss 0.56 40.02
TOTAL INCOME 18.76 42.70 13.18 31.95 38.86 12.78 50.40 336.14 7.75

35
 Profit and Loss Account
upto Magh 2068
Rs. in million

Mt. Makalu
Consumer
Raptiveri

Khadbari

Tourism

Mission

Sahara
Sindhu
Surya
Expenses

1 Interest Expenses 8.12 24.97 2.46 75.11 26.83 3.12 1.12 21.97 3.78
1.1 Deposit Liabilities 8.12 23.34 2.46 74.70 26.76 3.12 1.12 21.97 3.78
1.1.1 Saving A/c 4.92 7.83 1.95 21.04 16.94 1.16 0.87 17.52 2.15
1.1.2 Fixed A/c 2.82 10.38 0.47 31.06 1.31 1.37 0.17 4.45 0.14
1.1.2.1 Upto 3 Months Fixed A/c 0.01 2.85 0.15 0.00
1.1.2.2 3 to 6 Months fixed A/c 3.37 0.18 0.00 0.07
1.1.2.3 6 Months to 1 Year Fixed A/c 1.34 3.12 0.12 23.90 0.21 0.74 0.09 3.49
1.1.2.4 Above 1 Year 1.49 7.26 0.34 0.94 0.77 0.63 0.09 0.90 0.14
1.1.3 Call Deposit 0.38 5.13 0.04 22.60 8.50 0.58 0.08 1.49
1.1.4 Certificate of Deposits
1.2 Others 1.63 0.41 0.07
2 Commission/Fee Expense
3 Employees Expenses 2.93 4.45 1.40 12.70 5.82 1.74 0.61 4.89 1.18
4 Office Operatiing Expenses 1.90 4.47 0.91 21.95 6.19 0.94 0.61 4.81 1.51
5 Exchange Fluctuation Loss 0.48
5.1 Due to Change in Exchange Rates 0.48
5.2 Due to Foreign Currency Transactions
6 Non‐Operatiing Expenses 0.04
7. Provision for Risk 2.59 0.12 0.22 4.88 1.17 0.10 0.12 1.28 0.35
7.1 Loan loss Provision 2.59 0.12 0.22 4.88 1.17 0.10 0.12 1.28 0.35
7.1.1 General Loan loss Provision 0.56 0.12 0.22 2.53 1.17 0.10 0.11 1.28 0.35
7.1.2 Special Loan Loss Provision 2.03 2.25 0.01
7.1.3 Additional Loan Loss Provision 0.10
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 0.77 2.38
10 Provision for Income Tax 2.32 7.13
11 Others
12 Net Profit 2.80 5.41 0.55 6.38 1.39 0.32
TOTAL EXPENSES 18.33 42.51 5.54 131.00 40.00 5.90 3.90 32.94 7.14

Income
1. Interest Income 14.55 40.57 4.62 112.18 36.14 4.42 3.62 27.29 5.49
1.1. On Loans and Advance 13.59 34.64 4.48 94.98 29.56 4.09 3.28 21.66 4.47
1.2. On Investment 0.90
1.2.1 Government Bonds 0.90
1.2.2 Foreign Bonds
1.2.3 NRB Bonds
1.2.4 Deventure & Bonds
1.3 Agency Balance
1.4 On Call Deposit 0.96 5.93 0.14 14.15 6.58 0.34 0.34 5.33 1.02
1.5 Others 2.15 0.29
2. Comission & Discount 1.95 0.08 0.90 3.51 0.32 1.02 0.27 0.35
2.1 Bills Purchase & Discount 0.07
2.2 Comission 1.88 0.08 0.90 3.44 0.32 1.02 0.27 0.35
2.3 Others 0.07 0.00
3 Income From Exchange Fluctuation 6.50
3.1 Due to Change in Exchange Rate
3.2 Due to Foreign Currency Trans. 6.50
4 Other Operating Income 1.86 8.07 3.38 0.01 3.36 1.65
5 Non Operating Income 0.01
6 Provision Written Back 1.84 0.75
7 Recovery from Written off Loan
8 Income from Extra Ordinary Expenses
9 Net Loss 0.17 0.46 1.94
TOTAL INCOME 18.33 42.51 5.54 131.00 40.00 5.90 3.90 32.94 7.14

36
 Profit and Loss Account
upto Magh 2068
Rs. in million

Kalinchowk
Samabridd
Manaslu
Cosmos

Finance
NCDBL

Aawas
Nepal

Nepal
Social

Ekata
Expenses

hi
1 Interest Expenses 30.85 17.40 4.24 7.52 3.44 1.44 0.35 34.20 44.85
1.1 Deposit Liabilities 30.45 17.40 4.24 7.52 3.44 1.44 0.35 34.20 43.56
1.1.1 Saving A/c 2.35 3.83 4.01 4.46 1.73 1.03 0.15 5.20 6.20
1.1.2 Fixed A/c 9.01 4.32 0.24 0.60 0.51 0.13 0.04 29.00 37.36
1.1.2.1 Upto 3 Months Fixed A/c 0.06 0.05 0.00 1.17
1.1.2.2 3 to 6 Months fixed A/c 0.04 0.01 0.02 0.01 0.98
1.1.2.3 6 Months to 1 Year Fixed A/c 8.11 3.74 0.08 0.17 0.37 0.11 14.80 28.23
1.1.2.4 Above 1 Year 0.90 0.48 0.16 0.42 0.06 0.01 0.04 14.20 6.97
1.1.3 Call Deposit 19.09 9.26 2.45 1.20 0.29 0.16
1.1.4 Certificate of Deposits
1.2 Others 0.40 1.29
2 Commission/Fee Expense 0.05
3 Employees Expenses 8.68 3.32 2.35 3.71 2.48 1.25 1.41 4.90 4.31
4 Office Operatiing Expenses 6.23 6.54 2.49 5.04 2.67 1.18 0.33 4.00 6.49
5 Exchange Fluctuation Loss
5.1 Due to Change in Exchange Rates
5.2 Due to Foreign Currency Transactions
6 Non‐Operatiing Expenses 5.20 0.88 0.22 0.30
7. Provision for Risk 0.81 0.07 0.56 0.32 0.65 0.16 8.50 10.29
7.1 Loan loss Provision 0.81 0.07 0.56 0.32 0.65 0.16 8.50
7.1.1 General Loan loss Provision 0.81 0.07 0.56 0.32 0.65 0.16 0.20
7.1.2 Special Loan Loss Provision 8.30
7.1.3 Additional Loan Loss Provision
7.2. Provision for Non‐Banking Assets
7.3. Provision for Loss on Investment 10.29
7.4. Provision for Loss of Other Assets
8 Loan Written Off
9 Provision for Staff Bonus
10 Provision for Income Tax 0.11
11 Others 2.20
12 Net Profit 0.72 0.05 1.60
TOTAL EXPENSES 50.96 28.07 9.16 16.83 10.51 4.80 2.55 53.20 68.29

Income
1. Interest Income 39.62 22.34 5.34 12.75 9.55 3.16 1.64 52.30 45.85
1.1. On Loans and Advance 29.47 16.65 4.57 10.59 7.99 1.29 0.07 38.30 40.97
1.2. On Investment 0.48 0.95
1.2.1 Government Bonds
1.2.2 Foreign Bonds
1.2.3 NRB Bonds 0.48 0.85
1.2.4 Deventure & Bonds 0.11
1.3 Agency Balance
1.4 On Call Deposit 6.54 5.69 0.77 2.15 1.86 1.57 3.93
1.5 Others 3.13 1.56 14.00
2. Comission & Discount 0.18 0.17 0.19 0.20 0.01 0.15
2.1 Bills Purchase & Discount
2.2 Comission 0.18 0.09 0.19 0.02 0.01 0.15
2.3 Others 0.09 0.18
3 Income From Exchange Fluctuation
3.1 Due to Change in Exchange Rate
3.2 Due to Foreign Currency Trans.
4 Other Operating Income 1.38 1.95 0.56 1.56 0.77 1.63 0.32 0.90 1.60
5 Non Operating Income 0.19 0.01 0.27
6 Provision Written Back 0.53 1.74
7 Recovery from Written off Loan
8 Income from Extra Ordinary Expenses
9 Net Loss 9.07 3.62 3.08 2.52 0.59 18.68
TOTAL INCOME 50.96 28.07 9.16 16.83 10.51 4.80 2.55 53.20 68.29

37
 Profit and Loss Account
upto Magh 2068
Rs. in million

Kathmandu
Merchantil

Himalaya
Narayani
National

Peoples
NSMFL
Capital

Union
NIDC

AFCL
Expenses

e
1 Interest Expenses 94.51 163.92 237.26 196.99 35.46 1.92 28.79 44.76 71.80
1.1 Deposit Liabilities 92.74 163.92 236.28 159.72 35.46 1.92 28.79 36.66 70.08
1.1.1 Saving A/c 22.55 32.70 70.20 63.49 8.70 0.00 5.13 3.64 9.43
1.1.2 Fixed A/c 60.98 131.22 131.38 83.71 26.76 1.92 23.66 33.02 57.77
1.1.2.1 Upto 3 Months Fixed A/c 0.01 0.26 0.35 0.03 3.22 0.12 2.34
1.1.2.2 3 to 6 Months fixed A/c 1.60 1.39 1.83 0.82 0.13 1.02 0.53 2.09 1.70
1.1.2.3 6 Months to 1 Year Fixed A/c 24.84 72.54 76.60 41.42 16.94 0.09 11.38 8.16 37.45
1.1.2.4 Above 1 Year 34.53 57.03 52.60 41.43 6.48 0.81 11.63 22.77 16.29
1.1.3 Call Deposit 9.21 34.70 12.52 2.87
1.1.4 Certificate of Deposits
1.2 Others 1.77 0.98 37.27 8.10 1.72
2 Commission/Fee Expense 0.46
3 Employees Expenses 6.59 13.86 26.46 17.01 3.74 0.66 3.61 6.05 8.11
4 Office Operatiing Expenses 9.36 16.14 31.53 17.64 6.21 0.39 3.89 4.49 8.90
5 Exchange Fluctuation Loss
5.1 Due to Change in Exchange Rates
5.2 Due to Foreign Currency Transactions
6 Non‐Operatiing Expenses 1.92 14.27 0.17
7. Provision for Risk 0.01 47.09 15.44 276.85 1.38 11.41 0.39 12.13
7.1 Loan loss Provision 47.09 15.44 276.85 1.38 9.95 0.39 12.13
7.1.1 General Loan loss Provision 6.37 12.56 0.39
7.1.2 Special Loan Loss Provision 40.72 2.87 276.85 1.38 9.95 5.41
7.1.3 Additional Loan Loss Provision 6.72
7.2. Provision for Non‐Banking Assets
7.3. Provision for Loss on Investment 0.01 0.00 1.46
7.4. Provision for Loss of Other Assets
8 Loan Written Off
9 Provision for Staff Bonus 1.27 6.25
10 Provision for Income Tax 3.82 18.07 0.11
11 Others 0.80
12 Net Profit 14.48 8.92 44.48 59.66 4.35 0.81
TOTAL EXPENSES 126.88 255.02 379.49 523.57 106.45 7.33 48.62 56.15 101.12

Income
1. Interest Income 99.49 242.66 357.95 92.29 22.85 6.35 46.07 44.20 83.44
1.1. On Loans and Advance 63.22 225.02 308.12 90.36 17.97 5.96 38.48 44.12 79.09
1.2. On Investment 2.02 3.56 5.62 0.14 0.35 0.46
1.2.1 Government Bonds 2.02 3.56 5.62 0.46
1.2.2 Foreign Bonds
1.2.3 NRB Bonds 0.14 0.35
1.2.4 Deventure & Bonds
1.3 Agency Balance
1.4 On Call Deposit 32.79 14.08 29.57 1.93 2.79 0.25 7.16 2.43
1.5 Others 1.46 14.63 2.09 0.08 0.08 1.46
2. Comission & Discount 0.57 0.90 1.09 0.18 0.15 0.04 0.08 0.04
2.1 Bills Purchase & Discount
2.2 Comission 0.57 0.90 1.09 0.15 0.04 0.08 0.04
2.3 Others 0.18
3 Income From Exchange Fluctuation
3.1 Due to Change in Exchange Rate
3.2 Due to Foreign Currency Trans.
4 Other Operating Income 2.79 9.02 16.94 0.46 0.01 1.81 4.14 6.51
5 Non Operating Income 4.20 1.29 10.48 0.58
6 Provision Written Back 19.83 1.12 3.51 10.18 83.60 0.81 0.07 5.25
7 Recovery from Written off Loan 0.04 0.06 0.40
8 Income from Extra Ordinary Expenses
9 Net Loss 409.98 7.73 5.47
TOTAL INCOME 126.88 255.02 379.49 523.57 106.45 7.33 48.62 56.15 101.12

38
 Profit and Loss Account
upto Magh 2068
Rs. in million

Paschimanc

Investment
Siddhartha
Samjhana
Universal

Goodwill

Lumbini
NHMFL
Gorkha

hal
Expenses

Sri
FC
1 Interest Expenses 21.23 94.41 107.85 81.91 90.78 63.83 76.47 91.66
1.1 Deposit Liabilities 21.23 94.41 107.85 81.91 72.28 60.48 76.47 91.66
1.1.1 Saving A/c 2.15 29.43 17.69 20.44 24.71 18.94 14.16 18.16
1.1.2 Fixed A/c 19.08 64.98 90.16 61.29 47.57 41.54 62.31 73.50
1.1.2.1 Upto 3 Months Fixed A/c 0.05 5.58 1.32 1.25 0.14 4.81
1.1.2.2 3 to 6 Months fixed A/c 0.02 0.17 1.34 2.00 0.92 0.39 3.76
1.1.2.3 6 Months to 1 Year Fixed A/c 15.06 21.38 27.34 25.74 19.82 50.93 45.16
1.1.2.4 Above 1 Year 4.00 43.38 55.90 32.22 25.58 41.54 10.83 19.78
1.1.3 Call Deposit 0.19
1.1.4 Certificate of Deposits
1.2 Others 18.50 3.34
2 Commission/Fee Expense
3 Employees Expenses 2.91 10.90 7.53 4.19 10.92 6.72 5.86 6.83
4 Office Operatiing Expenses 2.72 6.65 6.07 4.68 18.70 4.52 7.69 5.10
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 8.23 8.66 1.29 5.49 7.55 2.44
7.1 Loan loss Provision 8.23 8.66 1.29 5.49 6.83 2.44
7.1.1 General Loan loss Provision ‐0.54 5.49 0.32
7.1.2 Special Loan Loss Provision 8.77 8.66 1.29 2.12
7.1.3 Additional Loan Loss Provision 6.83
7.2. Provision for Non‐Banking Assets 0.72
7.3. Provision for Loss on Investment
7.4. Provision for Loss of Other Assets 0.00
8 Loan Written Off
9 Provision for Staff Bonus 1.41 0.78 0.68 1.01 4.13
10 Provision for Income Tax 4.24 2.35 1.69 3.03 12.40
11 Others 0.03
12 Net Profit 9.90 1.27 8.70 5.10 16.03 7.06 28.93
TOTAL EXPENSES 35.10 136.20 122.72 103.89 133.35 98.65 103.56 149.05

Income
1. Interest Income 23.51 125.71 118.98 101.12 120.94 86.26 94.26 132.89
1.1. On Loans and Advance 22.04 112.42 113.91 92.22 115.71 71.22 87.85 127.50
1.2. On Investment 0.16 0.68 2.10 7.03 5.23 1.81 1.94
1.2.1 Government Bonds 0.16 0.68 2.10 7.03 5.23 1.81 1.94
1.2.2 Foreign Bonds
1.2.3 NRB Bonds
1.2.4 Deventure & Bonds
1.3 Agency Balance 4.60
1.4 On Call Deposit 1.31 12.61 2.96 10.41 3.45
1.5 Others 1.87 4.63
2. Comission & Discount 1.64 10.26 0.08 0.70 12.41 7.09 0.25
2.1 Bills Purchase & Discount 0.00
2.2 Comission 0.01 0.16 0.08 0.05 0.23 0.19
2.3 Others 1.64 10.11 0.64 12.41 6.86 0.05
3 Income From Exchange Fluctuation
3.1 Due to Change in Exchange Rate
3.2 Due to Foreign Currency Trans.
4 Other Operating Income 0.06 1.79 0.12 9.21 5.26
5 Non Operating Income 0.00 0.00 0.37 0.06 3.65
6 Provision Written Back 0.99 0.16 1.51 1.97 5.24 0.09
7 Recovery from Written off Loan 0.85 7.00
8 Income from Extra Ordinary Expenses
9 Net Loss 8.10
TOTAL INCOME 35.10 136.20 122.72 103.89 133.35 98.65 103.56 149.05

39
 Profit and Loss Account
upto Magh 2068
Rs. in million

Mahalaxmi

Bhajuratna
Standard

General
Lalitpur
Investa

United
ILFCO
Yeti
Expenses

1 Interest Expenses 0.13 66.78 183.19 96.92 146.80 131.43 10.15 255.66 69.07
1.1 Deposit Liabilities 0.13 66.78 177.84 96.92 145.26 120.59 10.15 178.80 67.38
1.1.1 Saving A/c 21.59 54.18 12.86 52.67 38.90 1.56 51.92 17.31
1.1.2 Fixed A/c 0.13 45.18 107.13 81.48 92.46 81.69 8.59 126.88 50.07
1.1.2.1 Upto 3 Months Fixed A/c 0.84 6.18 3.67 2.05 4.36
1.1.2.2 3 to 6 Months fixed A/c 0.20 6.58 0.39 1.37 0.29
1.1.2.3 6 Months to 1 Year Fixed A/c 14.30 86.04 33.11 12.07 46.70 4.17
1.1.2.4 Above 1 Year 0.13 29.85 8.33 48.37 76.33 31.57 4.42 126.88 45.42
1.1.3 Call Deposit 16.54 2.57
1.1.4 Certificate of Deposits 0.13
1.2 Others 5.34 1.54 10.84 76.86 1.70
2 Commission/Fee Expense
3 Employees Expenses 0.63 6.39 20.36 19.82 11.93 5.58 2.40 22.31 5.30
4 Office Operatiing Expenses 1.09 6.08 24.72 25.84 11.22 6.25 2.64 18.74 5.96
5 Exchange Fluctuation Loss
5.1 Due to Change in Exchange Rates
5.2 Due to Foreign Currency Transactions
6 Non‐Operatiing Expenses 6.40
7. Provision for Risk 3.37 12.65 31.42 21.66 5.37 20.15 1.27
7.1 Loan loss Provision 3.37 11.96 31.42 21.66 5.37 20.15 1.27
7.1.1 General Loan loss Provision 31.42 5.32 ‐0.46 ‐3.12
7.1.2 Special Loan Loss Provision 3.37 11.96 4.68 5.84 23.27 1.27
7.1.3 Additional Loan Loss Provision 11.66
7.2. Provision for Non‐Banking Assets
7.3. Provision for Loss on Investment 0.69
7.4. Provision for Loss of Other Assets
8 Loan Written Off 0.08
9 Provision for Staff Bonus 0.33 0.57 6.47 0.74
10 Provision for Income Tax 0.98 1.71 19.42 2.23
11 Others 1.04 0.00
12 Net Profit 3.73 2.29 3.99 51.11 5.20 2.65 5.43
TOTAL EXPENSES 5.58 86.20 254.63 251.01 199.79 143.26 23.20 322.37 81.60

Income
1. Interest Income 2.84 81.21 244.65 244.87 190.76 120.80 18.69 312.43 58.42
1.1. On Loans and Advance 2.84 69.21 217.31 212.69 154.48 120.80 13.72 221.86 54.83
1.2. On Investment 1.14 1.40 6.21 1.80 0.19 3.26
1.2.1 Government Bonds 1.14 6.21 1.80 0.19 3.26
1.2.2 Foreign Bonds
1.2.3 NRB Bonds 1.40
1.2.4 Deventure & Bonds
1.3 Agency Balance
1.4 On Call Deposit 10.87 19.59 19.19 0.74 10.41 3.59
1.5 Others 6.36 25.96 15.30 4.04 76.89
2. Comission & Discount 0.70 0.77 0.06 1.65 0.23 0.02 1.50 2.66
2.1 Bills Purchase & Discount
2.2 Comission 0.70 0.77 0.49 0.23 0.02 1.50 2.51
2.3 Others 0.06 1.16 0.16
3 Income From Exchange Fluctuation
3.1 Due to Change in Exchange Rate
3.2 Due to Foreign Currency Trans.
4 Other Operating Income 2.74 2.89 1.75 6.08 5.53 2.81 0.15 8.44
5 Non Operating Income 0.73 0.18 0.22 0.09
6 Provision Written Back 0.34 7.28 1.63 10.30 4.24 8.41
7 Recovery from Written off Loan 0.34
8 Income from Extra Ordinary Expenses
9 Net Loss 9.13 12.11
TOTAL INCOME 5.58 86.20 254.63 251.01 199.79 143.26 23.20 322.37 81.60

40
 Profit and Loss Account
upto Magh 2068
Rs. in million

Progressive

Multipurpo
Navadurga

Pokhara

Premier
Everest

Central
Janaki

Arun
Alpic
Expenses

se
1 Interest Expenses 17.34 53.00 54.30 54.53 87.65 144.99 83.13 12.85 0.04
1.1 Deposit Liabilities 14.75 49.81 54.30 54.53 87.65 128.75 78.55 12.60 0.04
1.1.1 Saving A/c 5.23 17.55 20.34 15.84 42.66 39.73 29.02 5.15
1.1.2 Fixed A/c 9.52 32.26 33.96 38.68 44.99 89.02 49.53 7.45 0.04
1.1.2.1 Upto 3 Months Fixed A/c 3.03 0.41 9.67 0.06
1.1.2.2 3 to 6 Months fixed A/c 2.01 0.02 0.45 2.41 2.65
1.1.2.3 6 Months to 1 Year Fixed A/c 1.08 13.66 26.99 5.29 30.77 3.27
1.1.2.4 Above 1 Year 8.44 13.55 33.96 38.68 17.97 82.88 6.68 1.47 0.04
1.1.3 Call Deposit
1.1.4 Certificate of Deposits
1.2 Others 2.59 3.19 16.24 4.58 0.25
2 Commission/Fee Expense 0.43
3 Employees Expenses 3.01 4.32 4.70 2.73 5.00 6.31 5.23 4.39 0.11
4 Office Operatiing Expenses 2.32 7.10 4.25 1.32 10.53 5.33 8.82 4.47 0.08
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 0.21 30.24 2.49 0.42 97.35 11.16 77.89 ‐0.36
7.1 Loan loss Provision 0.21 30.24 2.49 0.42 97.35 11.16 77.89 ‐0.36
7.1.1 General Loan loss Provision 8.42 0.37 0.42 11.16 ‐1.56 0.03
7.1.2 Special Loan Loss Provision 2.12 97.35 79.45 ‐0.39
7.1.3 Additional Loan Loss Provision 0.21 21.81
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 0.07
10 Provision for Income Tax 0.21
11 Others
12 Net Profit 7.66 13.91 50.47 0.48 1.60
TOTAL EXPENSES 30.53 94.65 79.64 109.90 200.53 157.38 108.34 99.61 1.47

Income
1. Interest Income 25.43 53.82 76.52 82.99 126.74 144.38 64.71 16.16 1.43
1.1. On Loans and Advance 25.43 49.41 61.41 66.08 102.86 120.07 64.68 15.27 1.43
1.2. On Investment 1.31 0.61 1.75
1.2.1 Government Bonds
1.2.2 Foreign Bonds
1.2.3 NRB Bonds 1.31 0.61
1.2.4 Deventure & Bonds 1.75
1.3 Agency Balance
1.4 On Call Deposit 2.62 23.88 11.05 0.90
1.5 Others 3.10 15.11 13.69 11.50 0.04
2. Comission & Discount 0.34 0.31 0.12 0.04 6.11 0.22 0.02 0.04
2.1 Bills Purchase & Discount
2.2 Comission 0.31 0.12 0.04 0.22 0.02 0.04
2.3 Others 0.34 6.11 0.00
3 Income From Exchange Fluctuation
3.1 Due to Change in Exchange Rate
3.2 Due to Foreign Currency Trans.
4 Other Operating Income 4.76 4.84 2.99 1.19 3.32 7.53 1.36 0.00
5 Non Operating Income 0.44 0.03
6 Provision Written Back 34.07 0.02 14.49 9.47 0.06
7 Recovery from Written off Loan 10.75 0.04
8 Income from Extra Ordinary Expenses
9 Net Loss 1.61 67.69 36.07 81.94
TOTAL INCOME 30.53 94.65 79.64 109.90 200.53 157.38 108.34 99.61 1.47

41
 Profit and Loss Account
upto Magh 2068
Rs. in million

Guheshwor
CMBFCL
WMBFL
Butwal

Srijana

Crystal

Royal
CMB
Om
Expenses

i
1 Interest Expenses 100.40 6.22 162.22 32.93 57.81 149.60 74.63 134.38 56.23
1.1 Deposit Liabilities 97.46 6.22 162.22 32.81 49.90 145.64 74.63 121.52 56.23
1.1.1 Saving A/c 32.18 3.75 59.17 13.57 17.28 30.35 18.82 43.28 14.24
1.1.2 Fixed A/c 65.28 2.48 103.05 19.24 32.62 73.10 55.80 78.25 41.99
1.1.2.1 Upto 3 Months Fixed A/c 1.38 0.99 0.00 1.00 0.01 1.33 12.62 2.38
1.1.2.2 3 to 6 Months fixed A/c 3.43 2.94 0.00 0.06 2.32 4.06 4.34 0.34
1.1.2.3 6 Months to 1 Year Fixed A/c 31.27 74.48 16.18 22.94 34.42 20.50 45.44 21.73
1.1.2.4 Above 1 Year 29.21 2.48 24.63 3.05 8.62 36.35 29.91 15.85 17.55
1.1.3 Call Deposit 42.19
1.1.4 Certificate of Deposits
1.2 Others 2.94 0.12 7.91 3.97 12.86
2 Commission/Fee Expense 0.34
3 Employees Expenses 11.99 1.83 13.38 4.69 4.93 18.44 3.51 6.10 3.08
4 Office Operatiing Expenses 14.77 1.77 17.58 6.24 8.51 21.51 15.36 4.06
5 Exchange Fluctuation Loss
5.1 Due to Change in Exchange Rates
5.2 Due to Foreign Currency Transactions
6 Non‐Operatiing Expenses 0.45 6.07
7. Provision for Risk 7.71 11.61 26.70 1605.21 1.84 0.03
7.1 Loan loss Provision 7.59 11.61 2.81 1605.21 1.84 0.03
7.1.1 General Loan loss Provision 7.59 11.61 1.30 ‐22.20 0.41 0.03
7.1.2 Special Loan Loss Provision 1.51 1627.41 1.43
7.1.3 Additional Loan Loss Provision
7.2. Provision for Non‐Banking Assets 0.12 23.89
7.3. Provision for Loss on Investment
7.4. Provision for Loss of Other Assets
8 Loan Written Off 0.46 21.86 0.50
9 Provision for Staff Bonus 2.10 0.36
10 Provision for Income Tax 1.73 6.30
11 Others 0.03
12 Net Profit 7.67 14.69 3.57 22.96
TOTAL EXPENSES 137.08 17.83 227.87 96.36 71.74 1795.22 84.21 157.67 86.37

Income
1. Interest Income 115.88 14.97 209.28 34.78 46.02 94.39 59.65 144.75 81.22
1.1. On Loans and Advance 99.07 14.25 186.24 25.49 40.60 87.05 58.63 132.46 68.71
1.2. On Investment 1.83 3.96 0.95 3.69 1.11
1.2.1 Government Bonds 1.83 3.96 0.95 3.69 0.65
1.2.2 Foreign Bonds
1.2.3 NRB Bonds
1.2.4 Deventure & Bonds 0.46
1.3 Agency Balance 1.65
1.4 On Call Deposit 14.94 0.72 16.95 6.29 9.75
1.5 Others 0.04 2.13 8.35 5.41 7.35 1.01 2.31
2. Comission & Discount 0.82 0.20 0.01 4.15 0.04 0.03 0.37 0.24
2.1 Bills Purchase & Discount
2.2 Comission 0.82 0.20 0.01 0.17 0.04 0.03 0.37 0.24
2.3 Others 3.98
3 Income From Exchange Fluctuation
3.1 Due to Change in Exchange Rate
3.2 Due to Foreign Currency Trans.
4 Other Operating Income 3.65 2.66 11.76 1.42 0.02 0.57 4.69 4.26
5 Non Operating Income 0.04 0.06 0.44 2.18 0.38
6 Provision Written Back 0.09 6.77 59.71
7 Recovery from Written off Loan 0.06
8 Income from Extra Ordinary Expenses
9 Net Loss 16.59 21.52 1700.77 21.79 7.86 0.26
TOTAL INCOME 137.08 17.83 227.87 96.36 71.74 1795.22 84.21 157.67 86.37

42
 Profit and Loss Account
upto Magh 2068
Rs. in million

Sagarmath
Prudential
Everest

Shikhar
Patan

Fewa

ICFC

Civil
IME
Expenses

a
1 Interest Expenses 23.19 138.04 18.48 76.26 204.68 234.17 85.01 45.70 31.96
1.1 Deposit Liabilities 22.83 138.04 18.48 63.02 201.00 234.17 84.55 44.40 30.75
1.1.1 Saving A/c 8.70 57.71 8.71 23.68 86.30 165.79 28.07 11.38 15.44
1.1.2 Fixed A/c 14.14 80.33 9.76 39.31 114.70 68.38 56.49 33.02 13.13
1.1.2.1 Upto 3 Months Fixed A/c 2.37 4.29 3.84 5.95 3.37 7.27 4.64 0.01
1.1.2.2 3 to 6 Months fixed A/c 2.42 0.00 1.70 1.37 1.96 6.53 2.05 0.09
1.1.2.3 6 Months to 1 Year Fixed A/c 55.06 1.58 12.14 51.87 53.15 37.54 23.46 10.79
1.1.2.4 Above 1 Year 14.14 20.48 3.89 21.64 55.51 9.90 5.15 2.87 2.24
1.1.3 Call Deposit 2.18
1.1.4 Certificate of Deposits 0.03
1.2 Others 0.36 13.24 3.68 0.46 1.30 1.20
2 Commission/Fee Expense
3 Employees Expenses 3.23 10.75 1.98 5.14 16.82 23.36 10.81 3.69 4.02
4 Office Operatiing Expenses 2.28 14.75 3.43 5.00 25.38 25.23 8.18 4.68 2.31
5 Exchange Fluctuation Loss
5.1 Due to Change in Exchange Rates
5.2 Due to Foreign Currency Transactions
6 Non‐Operatiing Expenses 0.29
7. Provision for Risk 9.59 29.29 2.07 83.85 2.71 63.10 9.84 8.29 14.92
7.1 Loan loss Provision 9.59 29.29 2.07 82.55 2.71 63.10 8.12 8.29 14.92
7.1.1 General Loan loss Provision 9.59 29.29 0.25 ‐0.95 2.82 8.29 4.44
7.1.2 Special Loan Loss Provision 1.82 82.55 3.02 60.28 8.12 7.79
7.1.3 Additional Loan Loss Provision 0.64 2.69
7.2. Provision for Non‐Banking Assets
7.3. Provision for Loss on Investment 1.30 1.72
7.4. Provision for Loss of Other Assets
8 Loan Written Off
9 Provision for Staff Bonus 0.44 0.26 4.80 0.40
10 Provision for Income Tax 1.31 0.78 14.39 1.09
11 Others
12 Net Profit 3.05 1.81 33.58 20.17 0.65 1.35
TOTAL EXPENSES 38.58 197.62 28.81 170.24 302.35 366.02 113.84 63.01 56.04

Income
1. Interest Income 27.33 186.37 27.49 82.21 290.53 329.68 98.81 59.54 43.32
1.1. On Loans and Advance 21.87 167.56 21.31 79.98 240.92 290.83 89.61 54.48 32.60
1.2. On Investment 0.45 0.45 0.75 2.05 0.59 0.54 0.42
1.2.1 Government Bonds 0.45 0.75 2.05 0.59 0.54
1.2.2 Foreign Bonds
1.2.3 NRB Bonds 0.45 0.42
1.2.4 Deventure & Bonds
1.3 Agency Balance 39.56
1.4 On Call Deposit 18.36 5.72 0.54 36.80 8.00
1.5 Others 5.46 0.95 10.05 8.61 4.51 2.30
2. Comission & Discount 0.02 0.41 0.19 1.90 0.40 13.51 5.42 3.48 0.07
2.1 Bills Purchase & Discount 0.01
2.2 Comission 0.02 0.41 0.19 0.05 0.40 13.51 0.52 0.53 0.07
2.3 Others 0.00 1.85 4.90 2.94
3 Income From Exchange Fluctuation
3.1 Due to Change in Exchange Rate
3.2 Due to Foreign Currency Trans.
4 Other Operating Income 0.60 10.84 1.12 11.42 22.83 1.82
5 Non Operating Income 1.04
6 Provision Written Back 6.59 10.82
7 Recovery from Written off Loan
8 Income from Extra Ordinary Expenses
9 Net Loss 10.62 79.54 8.57
TOTAL INCOME 38.58 197.62 28.81 170.24 302.35 366.02 113.84 63.01 56.04

43
 Profit and Loss Account
upto Magh 2068
Rs. in million

Imperial

Buddha
reliable
Prabhu

Kuber

Valley

hama
NEFL

Lord
Seti
Expenses

1 Interest Expenses 289.37 57.54 76.07 34.57 59.74 4.78 22.34 108.26 27.69
1.1 Deposit Liabilities 289.30 57.46 71.29 32.91 58.68 4.78 22.32 102.71 27.69
1.1.1 Saving A/c 182.16 17.75 17.27 18.35 9.68 3.11 6.02 58.19 15.12
1.1.2 Fixed A/c 107.14 39.71 54.03 14.55 49.00 1.67 11.16 44.52 12.57
1.1.2.1 Upto 3 Months Fixed A/c 2.93 3.16 0.04 1.90 2.44 1.97
1.1.2.2 3 to 6 Months fixed A/c 10.75 0.63 0.24 4.93 0.01 0.11 3.03 1.40
1.1.2.3 6 Months to 1 Year Fixed A/c 81.80 15.28 54.03 9.58 11.37 1.04 4.53 33.99 8.13
1.1.2.4 Above 1 Year 11.66 20.64 4.70 32.70 0.63 4.61 5.06 1.07
1.1.3 Call Deposit 5.14
1.1.4 Certificate of Deposits
1.2 Others 0.07 0.07 4.78 1.66 1.06 0.02 5.56
2 Commission/Fee Expense
3 Employees Expenses 34.08 4.19 7.68 5.11 6.37 2.78 3.44 10.19 2.74
4 Office Operatiing Expenses 58.02 3.41 14.96 4.92 8.09 0.78 4.34 12.48 3.10
5 Exchange Fluctuation Loss
5.1 Due to Change in Exchange Rates
5.2 Due to Foreign Currency Transactions
6 Non‐Operatiing Expenses 0.09 0.02
7. Provision for Risk 6.93 2.50 0.87 0.68 12.61 0.53 21.51 3.34 6.10
7.1 Loan loss Provision 6.93 0.87 0.68 12.61 0.32 21.51 6.10
7.1.1 General Loan loss Provision 6.93 0.87 0.07 0.07 ‐0.76 6.10
7.1.2 Special Loan Loss Provision 0.68 12.54 0.25 23.25
7.1.3 Additional Loan Loss Provision ‐0.98
7.2. Provision for Non‐Banking Assets 0.21 3.34
7.3. Provision for Loss on Investment 2.50
7.4. Provision for Loss of Other Assets
8 Loan Written Off
9 Provision for Staff Bonus 1.71 0.97 1.37 0.58
10 Provision for Income Tax 5.12 2.92 1.66 4.10 1.73
11 Others
12 Net Profit 11.94 6.80 4.31 9.56 4.04
TOTAL EXPENSES 407.26 67.64 99.58 55.98 86.83 13.18 53.28 149.29 45.97

Income
1. Interest Income 354.79 59.34 71.15 50.68 78.59 12.25 33.45 135.86 45.94
1.1. On Loans and Advance 300.84 47.29 68.00 42.54 73.21 11.11 29.17 116.06 33.76
1.2. On Investment 3.45 0.02 0.30 0.62 1.69 0.76
1.2.1 Government Bonds 0.30 0.62 1.69
1.2.2 Foreign Bonds
1.2.3 NRB Bonds 0.02 0.76
1.2.4 Deventure & Bonds 3.45
1.3 Agency Balance 21.45
1.4 On Call Deposit 2.46 1.58 5.38 3.65 18.08 6.45
1.5 Others 29.06 12.02 0.69 6.27 1.14 0.00 0.03 4.97
2. Comission & Discount 8.13 0.06 4.51 0.97 0.89 0.12 0.04 2.42 0.03
2.1 Bills Purchase & Discount
2.2 Comission 8.13 0.06 4.51 0.97 0.89 0.12 2.33 0.03
2.3 Others 0.04 0.09
3 Income From Exchange Fluctuation 23.89
3.1 Due to Change in Exchange Rate 23.89
3.2 Due to Foreign Currency Trans.
4 Other Operating Income 13.83 2.10 0.88 4.33 4.18 0.80 2.71 6.27
5 Non Operating Income 3.16 0.31 0.55 0.15
6 Provision Written Back 3.47 5.46 0.10 4.60
7 Recovery from Written off Loan
8 Income from Extra Ordinary Expenses
9 Net Loss 0.38 22.94 2.63 17.08
TOTAL INCOME 407.26 67.64 99.58 55.98 86.83 13.18 53.28 149.29 45.97

44
 Profit and Loss Account
upto Magh 2068
Rs. in million

Subhalaxmi
Suryadarsh

Manjushre
Namaste
Swastik

Unique
Zenith
Kaski
Api
Expenses

an

e
1 Interest Expenses 19.84 43.63 3.57 71.57 37.12 52.16 27.11 44.84 33.50
1.1 Deposit Liabilities 19.84 43.63 3.57 71.57 35.45 52.07 21.36 43.53 33.50
1.1.1 Saving A/c 8.03 27.87 3.03 31.98 16.18 31.41 3.98 23.95 5.11
1.1.2 Fixed A/c 11.82 15.76 0.55 39.59 19.27 20.66 17.38 19.59 26.36
1.1.2.1 Upto 3 Months Fixed A/c 0.63 3.19 2.35 0.14 0.29 0.55 0.69
1.1.2.2 3 to 6 Months fixed A/c 0.37 1.78 1.33 0.06 2.24 0.77
1.1.2.3 6 Months to 1 Year Fixed A/c 7.15 11.62 0.02 33.11 15.03 14.02 15.31 8.00 6.92
1.1.2.4 Above 1 Year 4.66 3.15 0.53 3.29 0.10 5.17 1.72 8.80 17.98
1.1.3 Call Deposit 2.03
1.1.4 Certificate of Deposits
1.2 Others 1.67 0.09 5.75 1.30
2 Commission/Fee Expense
3 Employees Expenses 3.01 5.60 1.26 6.63 3.58 6.55 2.40 3.96 5.22
4 Office Operatiing Expenses 3.88 6.66 0.53 7.66 4.42 5.77 3.74 7.28 7.37
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 0.75 1.14 0.25 6.27 4.10 2.63 2.02 0.90
7.1 Loan loss Provision 0.75 1.14 0.25 6.27 4.10 2.63 2.02 0.90
7.1.1 General Loan loss Provision 0.75 1.14 0.12 0.17 2.02 0.02
7.1.2 Special Loan Loss Provision 0.12 6.27 3.92 0.71
7.1.3 Additional Loan Loss Provision 2.63 0.18
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 0.74 1.19 0.67 0.90 0.56
10 Provision for Income Tax 2.22 3.56 2.00 2.70 1.67
11 Others
12 Net Profit 1.98 5.19 2.66 8.31 2.56 6.30 9.88 0.31 3.91
TOTAL EXPENSES 29.45 65.17 8.27 105.19 50.34 78.47 45.76 58.41 53.14

Income
1. Interest Income 27.78 59.34 7.42 100.31 47.60 71.12 44.27 55.79 50.46
1.1. On Loans and Advance 22.98 47.95 6.00 88.77 38.01 58.84 39.07 53.11 50.46
1.2. On Investment 0.18 0.33 0.40 0.05 0.70 0.01
1.2.1 Government Bonds 0.18 0.40 0.05 0.70
1.2.2 Foreign Bonds
1.2.3 NRB Bonds 0.33 0.01
1.2.4 Deventure & Bonds
1.3 Agency Balance
1.4 On Call Deposit 4.44 9.98 1.12 6.77 12.23
1.5 Others 0.18 1.41 0.30 11.21 2.42 4.50 2.67
2. Comission & Discount 0.39 0.61 0.17 0.38 1.49 2.62 0.10
2.1 Bills Purchase & Discount
2.2 Comission 0.26 0.61 0.17 0.38 0.49 0.10
2.3 Others 0.13 1.49 2.13
3 Income From Exchange Fluctuation
3.1 Due to Change in Exchange Rate
3.2 Due to Foreign Currency Trans.
4 Other Operating Income 1.27 5.22 0.87 4.88 1.24 7.20 2.58
5 Non Operating Income 0.08
6 Provision Written Back 1.13 0.07
7 Recovery from Written off Loan
8 Income from Extra Ordinary Expenses
9 Net Loss
TOTAL INCOME 29.45 65.17 8.45 105.19 50.34 78.47 45.76 58.41 53.14

45
 Profit and Loss Account
upto Magh 2068
Rs. in million

Bhaktapur
Reliance

Baibhav
Jebils

Lotus
Expenses

1 Interest Expenses 20.72 58.05 17.03 7.40 6.06

1.1 Deposit Liabilities 20.72 56.49 17.03 7.40 6.06
1.1.1 Saving A/c 4.40 28.70 8.80 5.71 2.71
1.1.2 Fixed A/c 10.70 27.79 8.24 1.69 0.87
1.1.2.1 Upto 3 Months Fixed A/c 0.12 3.81 0.15
1.1.2.2 3 to 6 Months fixed A/c 0.73 3.71 0.04 0.08
1.1.2.3 6 Months to 1 Year Fixed A/c 3.71 7.00 6.53 1.04 0.25
1.1.2.4 Above 1 Year 6.13 13.27 1.52 0.66 0.53
1.1.3 Call Deposit 5.63 2.48
1.1.4 Certificate of Deposits
1.2 Others 1.57
2 Commission/Fee Expense
3 Employees Expenses 5.06 4.34 2.54 2.98 1.73
4 Office Operatiing Expenses 5.57 6.10 4.86 2.90 2.46
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 3.58 1.73 0.58 0.22 0.48
7.1 Loan loss Provision 3.58 1.73 0.58 0.22 0.48
7.1.1 General Loan loss Provision 1.47 1.73 0.22 0.22 0.48
7.1.2 Special Loan Loss Provision 2.11 0.23
7.1.3 Additional Loan Loss Provision 0.13
7.2. Provision for Non‐Banking Assets
7.3. Provision for Loss on Investment 0.00
7.4. Provision for Loss of Other Assets
8 Loan Written Off
9 Provision for Staff Bonus 0.69 0.27
10 Provision for Income Tax ‐0.06 2.08 0.81
11 Others
12 Net Profit 4.85 5.24 4.32 1.89
TOTAL EXPENSES 34.88 77.85 30.25 17.82 13.70

Income
1. Interest Income 27.50 75.33 27.58 16.18 13.05
1.1. On Loans and Advance 23.84 58.03 22.62 11.60 5.26
1.2. On Investment 0.34 0.18 0.28 0.01 0.02
1.2.1 Government Bonds 0.34 0.18 0.28 0.02
1.2.2 Foreign Bonds
1.2.3 NRB Bonds 0.01
1.2.4 Deventure & Bonds
1.3 Agency Balance
1.4 On Call Deposit 3.31 12.14 4.57 7.07
1.5 Others 0.00 4.98 4.68 0.71
2. Comission & Discount 0.66 0.49 0.11 1.64 0.64
2.1 Bills Purchase & Discount
2.2 Comission 0.66 0.49 0.06 0.00
2.3 Others 0.06 1.64 0.64
3 Income From Exchange Fluctuation
3.1 Due to Change in Exchange Rate
3.2 Due to Foreign Currency Trans.
4 Other Operating Income 2.17 2.04 1.56
5 Non Operating Income
6 Provision Written Back 2.84 0.99
7 Recovery from Written off Loan
8 Income from Extra Ordinary Expenses
9 Net Loss 1.72
TOTAL INCOME 34.88 77.85 30.25 17.82 13.70

46
 Statement of Loans and Advances
as on Magh end 2068
Rs. in million

Kumari
SCBNL
NABIL

Laxmi
NBBL
NSBI
NIBL

MBL
NCC
BOK
NBL

RBB

HBL

NIC
EBL

LBL
Sector wise credit

1 Agricultural and Forest Related 272.69 572.48 326.54 384.83 622.52 756.13 496.35 54.10 1942.87 1486.02 216.33 674.67 201.49 66.27 334.27 392.50
2 Fishery Related 48.92 6.71
3 Mining Related 45.02 689.53 28.64 27.79 26.11 2.70 300.00 47.78 836.58
4 Manufacturing (Producing) Related 4687.00 5029.13 11799.33 13810.16 3746.41 12250.35 4916.13 2109.26 6170.68 4447.62 2224.58 4919.44 600.27 3340.15 3229.34 4130.26
5 Construction 2456.96 3875.13 5035.81 1526.63 3963.03 1651.17 2793.15 2662.92 4504.05 1431.41 985.78 1992.31 855.95 1104.83 2268.63 3098.67
6 Electricity,Gas and Water 262.00 81.18 139.49 295.17 13.73 681.98 143.56 5.30 469.10 967.90 347.00 126.08 183.06 845.13 19.37 270.57
7 Metal Products, Mach. & Ele. Eqp. 122.52 851.69 518.80 263.98 272.43 50.35 554.50 169.84 723.34 240.48 298.45 10.85 6.24 124.89 554.72 34.12
8 Tras., Com. and Public Utilities 828.34 1555.92 3826.31 993.57 12.32 1425.03 902.56 364.46 3030.67 155.61 624.65 281.65 204.89 510.41 845.62 856.14
9 Wholesaler & Retailer 5855.58 9033.52 9705.15 6133.15 2587.32 5007.48 7511.99 2005.97 11212.51 3724.43 1638.19 2704.75 1670.44 2658.18 2223.91 2691.46
10 Finance, Insurance and Real Estate 742.35 2264.60 3356.97 5600.86 1444.96 4400.95 946.58 641.16 3284.04 2403.19 1704.03 1702.46 347.65 1809.05 2421.51 3204.74
11 Hotel or Restaurant 396.65 679.11 1056.06 2149.20 37.06 803.35 292.24 426.23 701.10 156.98 256.78 93.38 701.71 121.16 430.26 38.13
12 Other Services 394.13 1512.88 2244.95 2600.80 125.11 2992.60 265.74 328.56 943.91 1231.21 248.60 296.34 257.59 564.91 963.91 531.31
13 Consumption Loans 8374.30 6742.24 203.75 1614.24 3499.56 799.06 285.34 548.24 1868.26 1180.32 912.15 1030.27 40.78 321.90 744.63 541.55
14 Local Government 0.11 217.07 138.81 255.20 57.29 134.63
15 Others 3442.70 2068.49 3102.52 6046.16 2539.35 4020.11 4547.63 1213.30 674.82 999.63 483.71 1339.61 1501.11 2285.75 1812.69 386.86
TOTAL 27880.32 35221.89 41344.33 41446.54 19002.61 35093.77 23655.78 10562.16 35528.05 18724.80 9940.25 15171.81 6628.47 13800.41 16685.44 16310.95

Product wise credit

1 Term Loan 6142.10 3306.13 5578.60 5821.64 1095.99 5331.99 1190.12 1124.74 4840.42 2536.79 934.73 784.11 767.79 2453.69 2431.52 2600.88
2 Overdraft 3247.70 4719.95 8730.44 9343.51 2352.08 5492.11 1259.59 2910.93 2525.51 4373.83 3174.93 1010.00 789.90 2979.55 5045.48 2268.81
3 Trust Receipt Loan / Import Loan 763.30 662.87 3976.46 4131.67 1099.51 5002.94 1455.70 788.56 1948.29 1008.86 645.42 1184.24 96.39 1291.07 576.62 613.39
4 Demand & Other Working Capital Loan 4957.20 10826.62 5392.15 8495.75 3862.01 7743.23 10807.19 1651.07 13356.15 4124.31 998.83 4285.50 1334.93 918.54 2925.27 4555.85
5 Res. Per. H. Loan (Up to Rs. 10 mil.) 1902.00 2958.73 2477.09 801.79 2828.55 1484.74 2269.88 590.11 3894.88 1289.82 594.34 1360.19 146.70 479.25 1318.91 690.73
6 Real Estate Loan 690.50 1946.19 5276.91 8460.09 1784.76 3712.52 1453.66 892.47 2272.99 1497.40 1426.11 1780.68 1184.93 2758.62 2895.60 2970.66
7 Margin Nature Loan 721.10 482.18 71.88 900.73 1.85 0.14 76.74 124.83 141.50 241.58 44.14 24.82 293.81 199.02
8 Hire Purchase Loan 1733.90 1334.80 4008.01 1587.75 3418.78 1698.22 419.82 1155.71 4689.08 1265.02 779.23 1097.76 441.53 866.34 591.05 469.61
9 Deprived Sector Loan 646.10 1145.00 1118.60 1353.31 584.01 942.92 710.63 310.00 881.26 703.94 317.56 476.09 178.47 478.03 451.75 490.41
10 Bills Purchased 24.90 76.42 121.15 95.54 1103.37 1747.61 3.94 107.87 128.23 1202.70 12.90 8.19 0.08 22.87 20.62 821.60
11 Other Product 7051.50 7763.00 4664.93 1283.61 873.56 1036.75 4083.40 1030.56 914.50 597.29 914.70 2943.48 1643.59 1527.63 134.80 629.99
TOTAL LOAN & ADVANCES 27880.30 35221.89 41344.33 41446.54 19002.61 35093.77 23655.78 10562.16 35528.05 18724.80 9940.25 15171.81 6628.47 13800.41 16685.44 16310.95

Security wise credit

1 Gold and Silver 6447.24 6482.51 36.20 1227.79 137.77 0.13 424.36 12.22 9.48 25.36
2 Government Securities 567.36 277.31 98.49 1.02 1230.49 0.24 226.32 59.67 23.41 3.60 57.29 0.87
3 Non Governmental Securities 11.58 151.84 98.75 895.35 1.85 927.51 2.20 241.50 266.25 38.91 34.98 154.98
4 Fixed Deposit Receipts 182.74 459.12 547.02 145.88 243.87 312.29 977.79 226.80 881.08 651.60 193.24 159.69 34.29 129.28 128.76 74.15
4.1 Own 179.62 323.11 482.52 145.88 104.64 311.93 977.79 226.80 880.55 646.85 193.24 159.69 34.29 72.29 128.76 74.15
4.2 Other Licences Institutions 3.11 136.01 64.50 139.23 0.36 0.54 4.75 56.99
5 Collateral of Properties 16771.93 26804.60 31063.47 35531.79 14737.16 31100.06 20433.55 9039.36 31644.94 15856.52 8356.73 14194.87 5839.32 13107.35 15967.54 15467.44
5.1 Fixed Assets 14218.47 26646.40 23778.42 30428.47 12768.92 29754.25 17326.76 8500.26 13078.84 12925.11 6646.45 9202.93 5711.41 9545.86 15029.60 11050.85
5.2 Current Assets 2553.46 158.20 7285.05 5103.33 1968.24 1345.81 3106.78 539.10 18566.10 2931.41 1710.28 4991.94 127.90 3561.49 937.94 4416.59
6 Against security of Bill 291.54 193.82 3830.80 137.49 1747.61 295.86 97.55 136.68 1337.25 6.75 7.39 243.89 56.31 9.39
6.1 Domestic Bills 26.20 55.00 92.59 59.97 27.38 14.41 2.20 4.06 55.08 3.93
6.2 Foreign Bills 291.54 167.62 3775.80 137.49 1655.03 235.88 70.17 122.27 1337.25 4.55 3.33 243.89 1.23 5.46
7 Against Guarantee 870.73 265.07 59.62 538.72 286.62 969.29 689.79 957.04 889.61 839.84 364.96 465.92 131.83 414.67 231.87 138.28
7.1 Government Guarantee 457.01 9.66 368.27 138.81 156.12 91.30 217.83 2.17 71.84 139.16 129.84 0.77 134.63
7.2 Institutional Guarantee 332.99 240.60 153.72 147.82 435.67 318.60 593.52 104.50 239.40 326.76 99.09 250.62 231.10
7.3 Personal Guarantee 29.67 12.51 0.15 16.02 547.14 44.97 53.44 0.00 34.21 3.64
7.4 Collective Guarantee 1.07 2.20 2.72 0.00 7.28
7.5 Int. Rtd. Foreign Bank's Guarantee 25.54 98.00 0.28
7.6 Other Guarantee 50.00 0.10 56.74 0.70 943.75 33.30 725.89 32.74
8 Credit Card 142.88 43.29 104.61 68.93 13.85 11.01
9 Others 2737.21 587.62 5565.86 3721.80 2399.86 1030.62 103.64 988.56 352.71 61.88 282.95 48.34 192.91 593.84
Total 27880.32 35221.89 41344.33 41446.54 19002.61 35093.77 23655.78 10562.16 35528.05 18724.80 9940.25 15171.81 6628.47 13800.41 16685.44 16310.95

47
 Statement of Loans and Advances
as on Magh end 2068
Rs. in million

Civil Bank

Century
Citizens

Sunrise
ADBNL

CTBNL
Janata
Global

Prime

Mega
DCBL

NIDC
NMB
BOA

Kist
SBL
Sector wise credit

1 Agricultural and Forest Related 242.33 8534.49 61.87 78.46 273.04 80.72 19.35 203.23 154.99 329.69 107.45 13.41 302.00 13.90 54.70 19.71
2 Fishery Related 1675.45 10.50 0.28 0.06
3 Mining Related 87.41 1.40 2.31 20.17 450.32 154.20 142.92 81.43 9.98 177.58 29.19
4 Manufacturing (Producing) Related 3809.53 5062.03 3845.09 2947.04 4138.49 1962.08 3575.10 2469.57 3579.43 1379.67 2618.22 2296.25 1065.27 2082.06 541.11 699.44
5 Construction 2398.52 2417.00 1091.20 738.39 1221.03 2028.70 554.76 766.45 1466.35 2050.77 151.25 482.30 293.26 296.70 418.33
6 Electricity,Gas and Water 665.91 4.19 18.31 899.24 757.09 733.51 101.49 3.74 150.89 287.69 312.18 308.11 62.66 29.20
7 Metal Products, Mach. & Ele. Eqp. 93.61 151.21 177.92 74.01 41.70 568.14 87.42 93.80 503.62 64.46 225.27 711.82 348.64 28.55 1.40 4.02
8 Tras., Com. and Public Utilities 915.20 200.52 128.20 189.20 268.21 1802.43 438.42 1006.14 742.23 634.85 167.64 1111.81 406.60 84.07 30.10
9 Wholesaler & Retailer 2865.05 11019.27 3241.02 1295.15 2580.55 1972.21 2434.39 1366.36 1922.58 2398.54 793.25 1547.32 570.34 1345.29 558.77 66.38
10 Finance, Insurance and Real Estate 2866.13 642.57 958.48 2721.10 2897.43 1373.56 3203.86 2498.84 1538.52 2699.45 410.29 433.71 168.77 699.10 235.80 117.06
11 Hotel or Restaurant 269.02 1019.09 482.92 140.20 134.05 157.37 299.02 351.96 106.93 1056.82 276.84 373.65 111.98 324.47 8.45 394.20
12 Other Services 1126.22 2476.84 395.58 642.21 550.85 398.68 660.97 563.16 788.77 1411.30 236.70 298.74 137.52 556.15 92.33 68.64
13 Consumption Loans 121.66 377.81 311.47 900.03 467.42 262.20 1078.89 54.71 753.01 741.62 379.27 416.68 56.18 87.08 144.99 3.13
14 Local Government 135.05 77.19
15 Others 3783.06 7488.84 4177.53 2118.04 5167.17 538.49 1223.92 805.80 527.20 788.29 349.94 218.80 364.94 22.00 128.68 15.48
TOTAL 19378.69 41070.70 14902.41 12763.22 18947.36 12109.48 13820.51 10265.18 12234.53 13843.42 5726.11 8394.32 4162.79 5602.04 2214.66 1417.26

Product wise credit

1 Term Loan 3400.41 12723.75 895.40 2741.11 1721.48 1469.06 1739.23 1431.79 1417.48 2750.59 935.54 575.39 529.19 281.30 229.40 920.57
2 Overdraft 4761.89 2550.79 3811.12 2512.36 5024.60 2568.70 2155.33 899.68 690.02 3870.60 1351.26 514.31 1035.23 1478.60 646.56 74.68
3 Trust Receipt Loan / Import Loan 697.23 1195.19 488.42 893.59 245.29 1277.13 629.04 587.35 159.07 524.65 943.03 263.14 645.70 124.62
4 Demand & Other Working Capital Loan 3015.91 19085.84 4208.38 1487.32 583.23 1972.29 3272.24 3447.07 2636.11 1360.12 1906.01 4297.80 1647.94 2104.41 576.36 257.08
5 Res. Per. H. Loan (Up to Rs. 10 mil.) 831.53 1991.39 409.58 409.57 804.01 700.23 540.92 144.86 812.83 586.37 119.40 106.70 49.27 72.02 229.62 12.50
6 Real Estate Loan 4287.00 317.96 2517.06 2492.17 3906.80 2270.42 2728.20 2380.84 1374.28 3013.01 199.66 197.65 162.01 312.34 286.84 108.96
7 Margin Nature Loan 423.71 296.30 65.22 697.77 112.95 121.18 268.88 292.09 415.21 89.13 175.06 18.68 51.24
8 Hire Purchase Loan 920.49 11.59 934.26 932.57 581.68 1543.89 828.00 180.75 1148.21 947.42 222.65 889.81 176.43 109.16 68.62 19.80
9 Deprived Sector Loan 581.83 4133.10 352.93 392.17 556.65 406.15 400.58 296.05 369.60 447.39 149.24 103.59 117.31 5.44
10 Bills Purchased 274.51 40.61 71.72 40.65 94.23 3.16 19.60 767.87 1.91 96.03 19.31
11 Other Product 184.16 256.28 241.59 1170.58 4136.89 726.28 754.54 566.62 2138.71 291.73 281.90 720.38 20.93 443.21 1.40 18.23
TOTAL LOAN & ADVANCES 19378.69 41070.70 14902.41 12763.22 18947.36 12109.48 13820.51 10265.18 12234.53 13843.42 5726.22 8394.32 4162.79 5602.04 2214.66 1417.26

Security wise credit

1 Gold and Silver 476.34 2787.63 559.23 7.54 157.23 17.52
2 Government Securities 0.04 0.17
3 Non Governmental Securities 13.31 91.61 60.99 721.72 112.94 335.33 415.21 104.12 37.18 27.50 18.68 51.24
4 Fixed Deposit Receipts 268.89 295.29 1.66 115.07 125.89 149.26 93.88 11.28 98.14 134.70 1.76 49.62 4.87 46.56 25.28
4.1 Own 264.67 295.29 1.64 112.38 125.89 144.81 93.88 11.28 98.14 134.70 1.76 47.84 4.87 46.56 2.32
4.2 Other Licences Institutions 4.22 0.02 2.69 4.45 1.78 22.96
5 Collateral of Properties 17575.29 40775.41 3020.40 10452.78 14397.81 11765.68 12301.23 9671.65 11017.94 12834.64 5260.82 7704.02 3876.82 5072.77 2138.14
5.1 Fixed Assets 12231.46 40775.41 2041.25 7600.78 13819.40 8481.49 9349.39 7321.88 7797.23 12781.46 3188.61 4386.09 1140.39 3483.18 938.85
5.2 Current Assets 5343.83 979.15 2852.01 578.41 3284.19 2951.84 2349.77 3220.70 53.18 2072.21 3317.93 2736.44 1589.59 1199.29
6 Against security of Bill 20.43 17.50 283.97 4.41 83.70 46.00 79.90 36.22 0.00 319.90
6.1 Domestic Bills 17.50 18.09 4.41 11.24
6.2 Foreign Bills 20.43 265.89 83.70 46.00 68.65 36.22 0.00 319.90
7 Against Guarantee 588.81 85.94 6.65 511.29 77.19 338.30 70.02 606.41 405.40 305.35 76.08 117.31
7.1 Government Guarantee 135.05 6.65 117.80 77.19 52.81 34.91
7.2 Institutional Guarantee 453.76 392.89 338.30 69.99 507.61 328.53 275.00 76.08 117.31
7.3 Personal Guarantee 41.19 0.60 0.03 41.01 40.15
7.4 Collective Guarantee 4.90 4.97 1.80 30.35
7.5 Int. Rtd. Foreign Bank's Guarantee
7.6 Other Guarantee 39.86
8 Credit Card 24.54
9 Others 911.95 11660.75 1367.42 403.01 527.86 421.00 130.67 53.47 122.11 261.93 177.51 9.30 1417.26
Total 19378.69 41070.70 14902.41 12763.22 18947.36 12109.48 13820.51 10265.18 12234.53 13843.42 5726.11 8394.32 4162.79 5602.04 2214.66 1417.26

48
 Statement of Loans and Advances
as on Magh end 2068
Rs. in million

Bageshwori

Gaurishank
Annapurna

Suvekchha
Pashupati
Uddhyam

Narayani

Sahayogi

Bhrikuti

Sanima
Karnali
Malika

Triveni
MDBL
UDBL

PDBL
SDBL
Sector wise credit

ar
1 Agricultural and Forest Related 18.20 15.98 191.07 24.06 26.92 9.20 258.38 22.85 49.90 87.94 286.29 58.64 69.55 29.93 20.21 4.58 24.51
2 Fishery Related 4.28 2.15 1.31 0.40 0.73 0.17
3 Mining Related 21.14 12.81 13.62 1.02 7.59 3.70
4 Manufacturing (Producing) Related 15.24 166.62 296.07 0.30 156.06 22.21 160.78 28.93 194.94 46.75 110.89 33.12 276.32 5.90 70.86 1116.41 28.55
5 Construction 24.96 34.34 335.33 4.01 693.85 90.45 199.93 120.04 46.55 44.83 168.24 60.48 80.19 131.30 1303.60 82.92
6 Electricity,Gas and Water 1.20 14.54 9.00 1.41 2.59 0.54 391.18
7 Metal Products, Mach. & Ele. Eqp. 178.59 15.32 0.01 20.70 2.39 12.43 56.47 3.00
8 Tras., Com. and Public Utilities 18.81 82.67 309.81 1.57 45.67 184.29 6.75 42.82 44.51 201.58 70.95 273.27 160.85 110.64 786.08 54.85
9 Wholesaler & Retailer 35.14 452.36 491.16 19.74 587.37 202.41 273.77 237.73 150.46 158.43 137.30 237.85 861.50 448.12 430.67 1048.90 39.25
10 Finance, Insurance and Real Estate 13.99 20.00 442.55 306.66 95.35 124.63 153.38 15.98 208.14 680.94 31.53
11 Hotel or Restaurant 14.00 24.85 285.12 111.09 17.43 39.71 1.44 18.03 228.01 0.11 77.53 102.13 6.47
12 Other Services 8.30 54.00 316.29 58.22 34.32 50.43 32.72 147.92 51.65 17.03 296.58 12.31 75.71 509.62 19.61
13 Consumption Loans 2.24 28.64 366.58 299.14 74.86 36.21 17.77 31.68 11.54 20.99 25.17 25.07 57.04 12.41 453.96 16.71
14 Local Government 1.50 0.23
15 Others 17.42 245.67 144.82 18.91 92.98 141.86 236.80 298.31 147.89 515.38 274.44 214.61 37.34 62.69 550.31 291.84
TOTAL 168.32 1130.61 3395.23 68.59 2354.12 699.43 1566.87 783.22 855.88 541.90 1560.66 1218.00 2016.90 832.52 1012.03 7004.19 603.10

Product wise credit

1 Term Loan 9.80 45.15 858.58 177.16 30.38 185.13 86.20 205.18 91.45 95.05 90.98 194.18 1271.44 197.64
2 Overdraft 64.00 98.55 141.86 512.07 204.52 416.76 1250.34 270.33 514.95 1373.29 192.22
3 Trust Receipt Loan / Import Loan
4 Demand & Other Working Capital Loan 1.29 791.51 864.23 1047.11 202.41 246.74 289.50 54.06 841.24 845.71
5 Res. Per. H. Loan (Up to Rs. 10 mil.) 19.23 34.34 4.01 122.63 84.85 48.85 101.31 41.50 102.46 76.55 201.87 74.60 136.59 403.47 63.84
6 Real Estate Loan 13.99 704.81 520.53 95.35 241.52 19.27 136.24 44.83 169.53 208.59 90.28 85.88 1509.97 31.53
7 Margin Nature Loan 2.44 105.61 287.33 64.58 0.89 0.20 46.10 88.50
8 Hire Purchase Loan 15.43 97.85 344.97 1.57 28.62 45.67 137.06 6.58 64.00 44.51 191.03 24.89 282.47 192.35 114.48 778.90 50.37
9 Deprived Sector Loan 6.98 30.82 107.14 1.97 71.10 18.08 65.71 23.97 31.96 23.74 65.23 35.71 66.55 37.34 33.43 193.85 44.62
10 Bills Purchased 3.50 25.67
11 Other Product 37.60 128.50 406.39 61.04 1.09 16.25 375.64 385.34 1.75 223.65 444.48 31.02 30.36 34.94 18.41 539.06 22.88
TOTAL LOAN & ADVANCES 168.32 1130.61 3395.23 68.59 2354.12 699.43 1566.87 783.22 855.88 541.90 1560.66 1218.00 2016.90 832.52 1012.03 7004.19 603.10

Security wise credit

1 Gold and Silver 0.07
2 Government Securities 16.00
3 Non Governmental Securities 105.61 272.40 64.58 0.89
4 Fixed Deposit Receipts 1.16 13.46 81.21 1.82 10.28 19.83 17.77 1.75 11.54 67.79 17.44 15.87 25.54 12.49 125.76 8.05
4.1 Own 1.16 13.46 81.21 1.82 10.28 19.83 17.77 1.75 11.54 67.79 17.44 15.87 25.54 12.49 125.76 8.05
4.2 Other Licences Institutions
5 Collateral of Properties 166.75 1094.66 3157.87 40.31 2003.87 621.85 1531.43 763.44 825.49 530.37 1138.67 1167.66 2001.03 806.98 999.47 6501.59 589.15
5.1 Fixed Assets 166.75 1094.66 3157.87 40.31 2003.87 621.85 1531.18 763.44 825.49 530.37 822.96 1167.66 2001.03 806.98 999.47 6501.59 589.15
5.2 Current Assets 0.25 315.72
6 Against security of Bill 3.50
6.1 Domestic Bills 3.50
6.2 Foreign Bills
7 Against Guarantee 0.40 1.20 31.04 28.28 41.10 2.72 14.72 28.43 3.70 4.66 5.17
7.1 Government Guarantee 0.40 2.72 0.04 1.50 3.70
7.2 Institutional Guarantee 29.94 41.10 20.00
7.3 Personal Guarantee 1.10 28.28 13.87 6.93 4.66 0.01
7.4 Collective Guarantee 1.20 0.82 5.16
7.5 Int. Rtd. Foreign Bank's Guarantee
7.6 Other Guarantee
8 Credit Card
9 Others 21.29 34.93 2.01 0.20 354.19 29.19 372.18 0.73
Total 168.32 1130.61 3395.23 68.59 2354.12 699.43 1566.87 783.22 855.88 541.90 1560.66 1218.00 2016.90 832.52 1012.03 7004.19 603.10

49
 Statement of Loans and Advances
as on Magh end 2068
Rs. in million

Infrastructu

Muktinath
Biratlaxmi
Business
Gandaki

Araniko
Gurkha

Kankai
CEDBL

Miteri
WDBL

Rising
H&B

Tinau
NDEP

Sewa
Excel
Sector wise credit

re
1 Agricultural and Forest Related 11.50 38.49 26.88 5.88 109.76 98.16 1.26 43.12 24.64 132.03 99.20 20.02 34.58 50.38 19.55 131.23 6.32
2 Fishery Related 2.01 0.70 0.70 0.10 0.80
3 Mining Related 33.81 3.56 0.32 6.13 28.06
4 Manufacturing (Producing) Related 6.18 49.26 140.67 31.87 128.29 61.79 15.69 313.64 10.50 146.55 396.89 25.42 28.05 63.14 71.66 24.55
5 Construction 56.93 146.52 216.55 247.81 105.60 3.00 19.38 774.51 68.61 569.58 296.20 59.28 20.07 164.00 529.43 105.62 30.46
6 Electricity,Gas and Water 22.45 1.28 442.15
7 Metal Products, Mach. & Ele. Eqp. 12.33 0.11 81.21 4.28 15.01 5.93 11.95 347.29 0.34 12.11 16.31
8 Tras., Com. and Public Utilities 107.87 130.56 57.15 475.08 42.44 69.65 468.82 54.99 151.67 446.91 32.27 69.98 419.75 180.51 18.56
9 Wholesaler & Retailer 177.81 269.00 589.14 162.87 557.01 417.43 124.50 1301.90 57.39 358.59 571.90 93.72 260.92 56.06 255.08 454.08 117.32
10 Finance, Insurance and Real Estate 882.11 46.19 183.77 118.52 324.54 16.61 415.02 691.45 31.88 54.08 5.00 30.57
11 Hotel or Restaurant 34.80 51.92 28.60 26.54 47.78 18.18 220.49 6.79 119.11 78.91 11.72 13.93 0.70
12 Other Services 52.05 43.56 58.44 24.43 52.20 78.70 32.81 432.13 3.45 538.03 22.83 18.21 104.38 5.54 132.48
13 Consumption Loans 233.86 38.69 30.14 38.20 93.27 133.80 12.71 211.06 10.46 514.30 79.47 106.85 6.85 24.50 20.18 26.54 6.84
14 Local Government 1.50 1.37
15 Others 724.75 405.20 528.67 176.72 509.40 221.69 115.88 1276.72 104.20 630.81 436.65 114.94 93.41 359.15 649.55 31.72 97.02
TOTAL 2321.67 1237.29 1676.35 1455.41 1555.54 1227.59 410.04 5411.22 364.95 3587.64 3909.85 516.95 684.42 727.77 1893.54 1224.10 301.77

Product wise credit

1 Term Loan 44.96 43.65 131.60 164.80 375.01 39.45 129.43 283.23 71.30 456.01 766.77 15.48 41.36 48.14 197.90 85.80
2 Overdraft 449.44 464.66 1021.09 195.16 593.19 247.40 155.54 1319.92 139.68 1170.73 1113.13 98.27 379.39 137.10 206.93 393.46 149.06
3 Trust Receipt Loan / Import Loan
4 Demand & Other Working Capital Loan 311.42 12.98 212.02 598.39 12.50 797.89 10.05 437.06 3.20 1.00 153.40
5 Res. Per. H. Loan (Up to Rs. 10 mil.) 56.83 119.11 60.02 247.81 105.60 55.00 19.38 573.38 43.02 168.39 240.26 42.77 164.00 503.81 139.37 30.46
6 Real Estate Loan 924.44 106.19 245.00 142.50 23.32 61.50 720.18 12.03 725.46 705.55 31.88 59.66 5.00 25.62 49.36 12.10
7 Margin Nature Loan 222.92 63.14 0.99 76.60 0.78 288.28 156.98 0.68 0.30
8 Hire Purchase Loan 67.04 133.16 57.15 502.04 35.74 36.14 69.65 548.87 59.52 165.32 360.85 44.43 79.20 46.64 419.75 173.76 13.60
9 Deprived Sector Loan 16.24 35.00 34.48 43.29 41.28 38.38 9.47 117.27 19.62 127.46 118.08 17.70 22.19 28.99 501.87 40.26 9.87
10 Bills Purchased 5.70
11 Other Product 228.39 322.55 63.88 159.81 169.38 150.34 14.08 968.18 8.95 485.99 11.16 263.23 100.94 346.04 187.41 76.29 0.89
TOTAL LOAN & ADVANCES 2321.67 1237.29 1676.35 1455.41 1555.54 1227.59 410.04 5411.22 364.95 3587.64 3909.85 516.95 684.42 727.77 1893.54 1224.10 301.77

Security wise credit

1 Gold and Silver 14.72 96.12 1.10 180.79 85.93 7.63 0.11
2 Government Securities
3 Non Governmental Securities 222.92 0.99 45.89 274.84 158.98
4 Fixed Deposit Receipts 10.95 21.27 30.14 11.24 57.54 17.12 12.70 105.73 3.19 27.54 36.10 7.33 4.23 16.87 20.18 12.98 0.34
4.1 Own 10.95 21.27 30.14 11.24 57.54 17.12 12.70 105.55 3.19 27.54 36.10 7.33 4.23 16.87 20.18 12.98 0.34
4.2 Other Licences Institutions 0.18
5 Collateral of Properties 2074.76 1201.29 1582.96 1444.17 1498.00 1108.22 397.34 4987.89 360.52 2933.94 3408.34 423.69 669.06 703.27 1371.49 1209.00 301.32
5.1 Fixed Assets 2074.76 1201.29 1582.96 1444.17 1498.00 1108.22 397.34 4982.82 360.52 2931.67 3291.39 423.69 669.06 703.27 1371.49 1209.00 301.32
5.2 Current Assets 5.08 2.27 116.95
6 Against security of Bill 5.70
6.1 Domestic Bills 5.70
6.2 Foreign Bills
7 Against Guarantee 0.11 26.55 0.08 5.36 80.01 11.13 501.87 2.12
7.1 Government Guarantee 15.88 1.37
7.2 Institutional Guarantee 0.11 19.00 0.17 64.13 10.82 0.19
7.3 Personal Guarantee 4.05 0.08 5.18 0.31 501.87
7.4 Collective Guarantee 3.50 0.56
7.5 Int. Rtd. Foreign Bank's Guarantee
7.6 Other Guarantee
8 Credit Card
9 Others 13.05 63.14 5.14 238.37 1.15 165.17 226.41
Total 2321.67 1237.29 1676.35 1455.41 1555.54 1227.59 410.04 5411.22 364.95 3587.64 3909.85 516.95 684.42 727.77 1893.54 1224.10 301.77

50
 Statement of Loans and Advances
as on Magh end 2068
Rs. in million

Professiona
Kasthaman
Shangrila
Mahakali

Resunga
Bhargav

Country

Garima

Bishow
Alpine
Public

diyalo

Nilgiri

Kabeli
Rara

dap

City
Ace
Sector wise credit

l
1 Agricultural and Forest Related 25.62 8.98 76.80 2.31 3.51 1.06 4.88 29.97 36.73 42.39 4.24 51.51 24.68 37.67 26.10 5.31
2 Fishery Related 2.23 7.23
3 Mining Related 1.00 2.44
4 Manufacturing (Producing) Related 62.71 5.41 635.81 83.90 20.12 78.72 6.24 272.03 33.92 42.68 18.69 0.17
5 Construction 103.80 22.67 639.45 26.77 155.32 227.03 20.13 13.91 44.54 234.82 207.30 392.64 194.92 6.61 14.61
6 Electricity,Gas and Water 178.68 1.21 1.00 83.42
7 Metal Products, Mach. & Ele. Eqp. 15.81 68.51 14.62 3.71 10.14 29.46 55.05 0.05
8 Tras., Com. and Public Utilities 66.99 14.36 316.79 16.57 228.86 211.43 37.35 0.40 41.69 25.47 200.07 240.56 396.10 14.68 12.17
9 Wholesaler & Retailer 73.82 42.23 637.71 57.09 386.91 118.20 145.46 113.69 248.71 104.51 85.90 432.20 186.05 212.13 46.14 23.21
10 Finance, Insurance and Real Estate 72.77 698.18 106.38 42.82 58.74 77.72 3.15 600.22 61.72 35.38
11 Hotel or Restaurant 7.53 2.81 96.76 7.27 70.59 7.70 9.39 19.64 1.03 194.74 62.38 114.53 5.48
12 Other Services 16.53 146.79 6.96 129.88 6.30 15.09 12.07 154.98 65.79 128.28 912.18 3.39 4.16
13 Consumption Loans 24.41 23.11 71.01 1.20 123.73 2.35 17.78 8.95 115.84 8.42 52.90 4.47 130.05 131.64 417.97 8.15 110.23
14 Local Government 15.16 2.04 1.97 3.58 0.03
15 Others 11.37 55.47 676.89 44.31 516.90 10.24 85.94 42.82 389.15 166.77 151.63 264.54 441.14 44.41 69.47 48.15 16.25
TOTAL 483.60 175.02 4265.74 162.47 1821.82 570.30 288.19 341.85 1014.69 450.73 323.27 2528.47 1453.62 1590.52 1594.54 171.90 191.64

Product wise credit

1 Term Loan 21.24 665.36 56.12 224.11 25.86 22.49 175.98 296.54 287.38 344.12 322.09 10.00
2 Overdraft 195.43 35.47 1549.61 54.94 263.02 153.16 252.18 375.99 88.53 1103.05 420.28 249.91 483.12
3 Trust Receipt Loan / Import Loan 1.61
4 Demand & Other Working Capital Loan 1.70 47.64 101.01 574.98 131.47 84.04 9.50 267.67 85.90 147.49 15.87 59.98 45.84
5 Res. Per. H. Loan (Up to Rs. 10 mil.) 89.61 22.67 323.97 26.77 142.03 14.29 9.71 56.69 60.29 191.03 187.54 319.25 169.42 6.61 10.19
6 Real Estate Loan 58.16 1.02 936.80 125.76 179.71 21.62 32.61 17.43 558.61 77.92 39.25 109.78
7 Margin Nature Loan 4.50 130.35 1.98 8.74 0.60 19.45 21.83
8 Hire Purchase Loan 71.45 35.65 302.89 16.57 343.03 210.65 15.60 27.02 98.36 85.44 143.04 271.37 455.64 215.96 19.00 9.68
9 Deprived Sector Loan 15.89 5.54 119.74 4.28 66.97 20.26 10.72 10.81 29.69 13.45 57.17 99.52 53.99 69.47 3.89 3.99
10 Bills Purchased 0.04 1.20
11 Other Product 25.62 27.04 135.97 3.79 78.33 2.35 10.37 2.28 131.19 9.02 237.37 10.90 93.73 106.53 224.71 82.43 111.96
TOTAL LOAN & ADVANCES 483.60 175.02 4265.74 162.47 1821.82 570.30 288.19 341.85 1014.69 450.73 323.27 2528.47 1453.62 1590.52 1594.54 171.90 191.64

Security wise credit

1 Gold and Silver 9.63 45.26 72.90 49.02 177.35 108.30
2 Government Securities 0.07
3 Non Governmental Securities 134.60 1.98 19.82
4 Fixed Deposit Receipts 7.73 1.81 35.46 1.20 41.85 2.35 2.18 8.74 24.84 7.05 7.64 25.98 15.60 27.04 24.67 2.94 0.61
4.1 Own 7.73 1.81 35.46 1.20 41.85 2.35 2.18 8.74 24.84 7.05 7.64 25.98 15.60 27.04 24.67 2.94 0.61
4.2 Other Licences Institutions
5 Collateral of Properties 471.66 173.21 3976.51 161.27 1711.06 567.95 286.00 331.08 978.00 427.67 270.38 2374.72 1265.63 1448.51 1323.06 168.96 82.74
5.1 Fixed Assets 471.66 173.21 3976.51 161.27 1711.06 567.95 286.00 331.08 978.00 427.67 270.38 2374.72 1265.63 1448.51 1323.06 168.96 82.74
5.2 Current Assets
6 Against security of Bill 0.04 1.20
6.1 Domestic Bills 1.20
6.2 Foreign Bills 0.04
7 Against Guarantee 119.06 57.30 2.04 11.86 13.45 107.13 99.49 46.13 69.47
7.1 Government Guarantee 15.16 2.04 11.86 4.07 2.69
7.2 Institutional Guarantee 103.41 61.87 66.78
7.3 Personal Guarantee 0.50 45.26 22.20
7.4 Collective Guarantee 57.30 13.45 99.49 19.86
7.5 Int. Rtd. Foreign Bank's Guarantee
7.6 Other Guarantee
8 Credit Card
9 Others 4.21 2.57 19.45
Total 483.60 175.02 4265.74 162.47 1821.82 570.30 288.19 341.85 1014.69 450.73 323.27 2528.47 1453.62 1590.52 1594.54 171.90 191.64

51
 Statement of Loans and Advances
as on Magh end 2068
Rs. in million

Matribhum
Pathibhara

Innovative
Corporate

Kanchan
Purnima

Bagmati
Kamana

Hamro

Pacific

Bright
Gulmi
Kakre

Shine

Civic

IDBL
Jyoti
Sector wise credit

i
1 Agricultural and Forest Related 41.66 92.18 6.59 19.41 45.79 10.20 7.50 12.80 30.67 35.14 12.51 15.56 4.45 4.11 7.60 17.55 14.93
2 Fishery Related 2.21 0.68 4.02
3 Mining Related 43.81
4 Manufacturing (Producing) Related 30.89 190.57 15.76 53.41 191.89 9.26 4.37 75.81 7.29 232.93 5.90 26.52 3.07 48.80 64.71
5 Construction 231.61 93.28 79.13 12.73 411.71 26.47 9.45 7.72 108.58 56.53 12.38 150.18 39.31 51.79 19.30 23.44 55.93
6 Electricity,Gas and Water 141.54 4.50 0.46 2.30
7 Metal Products, Mach. & Ele. Eqp. 13.06 8.71 58.89 2.74 1.34 14.74
8 Tras., Com. and Public Utilities 193.04 84.07 0.27 64.06 274.24 6.30 121.21 24.96 24.72 31.24 6.98 25.89 66.22
9 Wholesaler & Retailer 130.12 153.05 251.86 111.28 254.35 27.22 87.39 38.35 364.14 79.10 28.70 626.73 53.64 119.86 27.25 113.57 60.92
10 Finance, Insurance and Real Estate 70.92 146.60 2.87 30.08 248.03 119.28 0.56 498.13 45.23 6.79 13.75 4.83
11 Hotel or Restaurant 40.90 28.76 2.48 1.44 64.32 2.53 6.73 1.95 1.00 9.19 2.04 3.85 1.98 7.20 3.25
12 Other Services 84.05 16.07 13.11 27.11 115.25 3.09 76.66 20.64 0.54 379.03 16.20 1.51 7.64 8.16
13 Consumption Loans 87.58 24.28 106.82 11.21 177.84 2.55 27.90 1.17 103.75 13.90 9.53 142.48 3.60 2.50 3.01 22.14 21.03
14 Local Government 4.60
15 Others 95.86 102.71 164.99 131.32 672.67 18.96 60.96 78.55 273.83 64.76 14.39 713.00 21.26 110.16 30.63 52.49 31.87
TOTAL 1021.90 940.28 643.87 462.04 2661.13 94.67 199.50 148.58 1281.35 307.57 79.05 2811.03 160.77 411.46 108.59 332.48 352.91

Product wise credit

1 Term Loan 189.90 31.96 359.98 6.30 46.68 75.25 3.86 56.35 10.40 16.50 45.17 12.04 49.71
2 Overdraft 301.92 280.99 217.94 64.08 534.84 30.02 182.43 0.40 300.43 71.10 28.97 184.15 64.80
3 Trust Receipt Loan / Import Loan 78.55 2.04
4 Demand & Other Working Capital Loan 204.30 76.50 140.90 389.70 62.55 59.62 482.38 92.42 43.21 214.34 56.18 49.19 47.58 54.10
5 Res. Per. H. Loan (Up to Rs. 10 mil.) 168.01 53.26 79.13 10.92 279.22 25.93 5.95 69.70 56.53 11.18 27.75 33.75 51.29 10.62 13.99 36.73
6 Real Estate Loan 37.78 117.64 2.87 30.08 312.50 7.72 158.16 516.94 5.55 45.23 6.79 12.00 16.47
7 Margin Nature Loan 1.45 10.18 110.69 8.45 141.89 14.70 15.60 0.50
8 Hire Purchase Loan 220.76 90.47 48.02 66.25 340.29 2.09 25.43 1.79 198.87 37.68 9.26 195.57 27.04 31.24 7.25 45.07 82.61
9 Deprived Sector Loan 30.80 23.00 16.78 29.92 95.85 3.64 7.92 8.85 25.60 8.10 3.57 94.85 8.61 10.36 3.09 9.57 15.73
10 Bills Purchased 2.50
11 Other Product 71.28 125.98 202.63 119.90 238.07 0.46 64.26 4.99 80.51 108.98 11.44 1262.91 2.49 120.96 6.69 7.59 32.77
TOTAL LOAN & ADVANCES 1021.90 940.28 643.87 462.04 2661.13 94.67 199.50 148.58 1281.35 307.57 79.05 2811.03 160.77 411.46 108.59 332.48 352.91

Security wise credit

1 Gold and Silver 46.77 54.09 0.24 129.10
2 Government Securities
3 Non Governmental Securities 110.69 141.89 0.50
4 Fixed Deposit Receipts 14.90 8.17 4.98 4.36 11.37 0.46 2.47 1.17 17.64 0.94 0.27 13.38 2.50 0.99 2.47 3.10
4.1 Own 14.90 8.17 4.98 4.36 11.37 0.46 2.47 1.17 17.64 0.94 0.27 13.38 2.50 0.99 2.47 3.10
4.2 Other Licences Institutions
5 Collateral of Properties 947.59 911.39 584.27 457.68 2474.76 94.21 197.03 147.42 1229.67 306.39 78.78 2431.35 155.21 424.56 106.52 327.77 349.81
5.1 Fixed Assets 947.59 911.39 584.27 457.68 2443.63 94.21 197.03 147.42 1229.67 306.39 78.78 2431.35 155.21 424.56 106.52 327.77 349.81
5.2 Current Assets 31.12
6 Against security of Bill 2.50
6.1 Domestic Bills 2.50
6.2 Foreign Bills
7 Against Guarantee 6.22 0.60 62.18 25.60 95.32 5.55 1.08
7.1 Government Guarantee 4.60
7.2 Institutional Guarantee 8.81 13.70 82.50
7.3 Personal Guarantee 6.22 0.60 23.22 11.31 0.80
7.4 Collective Guarantee 25.56 11.90 1.51 4.75 1.08
7.5 Int. Rtd. Foreign Bank's Guarantee
7.6 Other Guarantee
8 Credit Card 8.45
9 Others 6.42 17.62 0.53 2.12 ‐15.60 1.75
Total 1021.90 940.28 643.87 462.04 2661.13 94.67 199.50 148.58 1281.35 307.57 79.05 2811.03 160.77 411.46 108.59 332.48 352.91

52
 Statement of Loans and Advances
as on Magh end 2068
Rs. in million

Mt. Makalu
Gaumukhi

Consumer
Raptiveri

Khadbari

Manaslu
Tourism
Jhimruk

Mission

Cosmos
NCDBL
Sindhu

Sahara
Metro

Social
Surya
Vibor
Sector wise credit

1 Agricultural and Forest Related 1.47 3.93 8.14 18.78 11.81 0.56 23.40 35.67 2.05 1.37 1.43 2.17 6.77 0.21 3.94
2 Fishery Related 0.08
3 Mining Related 6.99 7.89
4 Manufacturing (Producing) Related 4.72 106.42 1.16 13.06 25.85 11.69 212.22 38.32 0.20 0.14 14.50 4.74 17.13 37.45 1.66 2.54
5 Construction 6.43 90.33 248.21 8.91 11.03 47.20 6.05 201.19 56.42 2.24 0.65 20.97 0.93 35.36 25.04 2.23 22.19
6 Electricity,Gas and Water 18.25 0.60 44.07 0.40
7 Metal Products, Mach. & Ele. Eqp. 16.20 227.97 1.31 14.03 0.54 1.34 26.46 2.14 3.05 1.00 20.00 2.81
8 Tras., Com. and Public Utilities 19.34 118.97 230.99 10.87 90.84 0.85 86.88 43.59 7.63 0.89 99.81 4.60 8.64 22.63
9 Wholesaler & Retailer 39.25 165.07 236.81 31.32 64.77 33.41 25.99 305.50 111.86 19.07 1.01 87.97 40.74 83.56 56.82 15.54 27.70
10 Finance, Insurance and Real Estate 50.81 485.25 23.16 7.50 12.39 9.38 11.70 16.00 10.94
11 Hotel or Restaurant 4.50 53.88 3.89 10.46 1.37 180.90 4.48 1.07 0.55 4.80 0.61 178.88 24.03 0.83 1.32
12 Other Services 0.27 6.45 32.24 1.73 8.20 18.51 3.48 49.01 23.42 0.20 0.15 1.09 1.58 6.08 8.43 14.12 5.19
13 Consumption Loans 34.54 41.75 246.57 11.41 6.68 37.38 5.95 66.72 1.29 4.94 10.26 20.17 0.06 72.09 8.73 6.29 49.61
14 Local Government
15 Others 27.41 23.44 137.71 1.00 4.90 116.79 8.38 209.92 43.56 9.93 26.76 33.52 11.45 112.92 45.72 2.73 17.18
TOTAL 138.00 516.96 2039.44 86.49 161.54 389.02 65.69 1418.66 378.03 50.37 41.79 295.97 63.67 542.01 231.33 52.26 152.29

Product wise credit

1 Term Loan 20.94 28.57 243.46 20.69 91.57 30.38 42.94 155.15 5.30 65.38 0.28 133.93 2.92 21.14 7.30
2 Overdraft 23.05 145.26 481.99 14.62 13.60 99.40 29.27 757.46 121.51 28.96 0.63 76.54 3.84 251.85 82.34 6.94 12.30
3 Trust Receipt Loan / Import Loan
4 Demand & Other Working Capital Loan 25.44 254.41 45.89 16.75 123.98 1.20 27.01 55.79 3.89 16.46
5 Res. Per. H. Loan (Up to Rs. 10 mil.) 6.43 76.79 8.92 39.57 6.05 145.01 47.11 2.24 0.65 5.36 16.91 2.23 22.19
6 Real Estate Loan 50.81 483.28 8.90 23.16 97.22 6.12 30.17 52.83 10.94
7 Margin Nature Loan 6.10 21.43 6.42 70.45
8 Hire Purchase Loan 17.53 152.25 275.63 13.32 4.17 101.84 1.05 208.89 18.13 10.47 0.89 99.81 16.33 19.76 14.62 24.19
9 Deprived Sector Loan 2.35 14.22 57.23 1.87 2.74 11.55 0.90 28.60 10.84 1.31 0.87 2.80 1.46 11.12 3.78 1.32 3.33
10 Bills Purchased
11 Other Product 42.27 49.04 228.40 27.09 26.31 38.97 11.67 8.14 17.97 2.10 11.74 21.26 2.30 0.14 90.80 6.01 66.53
TOTAL LOAN & ADVANCES 138.00 516.96 2039.44 86.49 161.54 389.02 65.69 1418.66 378.03 50.37 41.79 295.97 63.67 542.01 231.33 52.26 152.29

Security wise credit

1 Gold and Silver 31.71 6.91 14.88 4.15 35.80 18.04 0.25 47.86
2 Government Securities 6.10
3 Non Governmental Securities 0.28 21.43 6.42 70.45
4 Fixed Deposit Receipts 0.72 8.01 228.40 0.02 1.51 5.43 0.78 4.82 3.05 2.10 0.31 2.13 0.14 1.05 0.07 0.19
4.1 Own 0.72 8.01 228.40 0.02 1.51 5.43 0.78 4.82 3.05 2.10 0.31 2.13 0.14 1.05 0.07 0.19
4.2 Other Licences Institutions
5 Collateral of Properties 105.57 508.70 1673.29 79.27 158.42 339.78 54.28 1392.85 368.96 48.27 5.55 275.79 63.67 463.42 226.50 51.84 104.24
5.1 Fixed Assets 105.57 508.70 1673.29 79.27 158.42 339.78 54.28 1392.37 368.96 48.27 5.55 275.79 63.67 463.42 226.50 51.84 104.24
5.2 Current Assets 0.48
6 Against security of Bill
6.1 Domestic Bills
6.2 Foreign Bills
7 Against Guarantee 0.24 57.23 1.60 7.50 14.57 6.02 0.13 8.00
7.1 Government Guarantee 5.10
7.2 Institutional Guarantee 52.13 7.50 5.00 0.50 8.00
7.3 Personal Guarantee 0.24 6.80 5.15
7.4 Collective Guarantee 1.60 2.77
7.5 Int. Rtd. Foreign Bank's Guarantee
7.6 Other Guarantee 0.38 0.13
8 Credit Card
9 Others 74.42 6.49 3.78 0.10
Total 138.00 516.96 2039.44 86.49 161.54 389.02 65.69 1418.66 378.03 50.37 41.79 295.97 63.67 542.01 231.33 52.26 152.29

53
 Statement of Loans and Advances
as on Magh end 2068
Rs. in million

Paschimanc
Kathmandu
Kalinchowk

Merchantil
Samabridd

Himalaya
Narayani
National

Peoples
Finance

NHMFL
Gorkha
NSMFL
Capital
Aawas

Union
Nepal

Nepal
Ekata

NIDC

AFCL
Sector wise credit

hal
hi

e
1 Agricultural and Forest Related 18.97 3.25 5.87 34.80 1.88 80.78 1.43 42.52 16.23 12.88 8.74 9.55 169.42 78.97
2 Fishery Related 0.40 2.00 0.23
3 Mining Related 0.80 2.50 53.81 5.80 2.62
4 Manufacturing (Producing) Related 3.94 8.79 21.69 50.12 184.58 255.77 111.67 83.65 110.82 2.76 104.26 107.33
5 Construction 6.26 8.84 410.60 106.52 85.94 429.07 601.88 1954.00 339.08 2.78 61.57 214.84 262.16 61.34 123.77 204.71
6 Electricity,Gas and Water 28.56 5.90 25.55 3.50 0.38
7 Metal Products, Mach. & Ele. Eqp. 8.98 2.00 13.92 160.04 3.45 61.75 0.08 3.44 10.84
8 Tras., Com. and Public Utilities 5.55 23.52 3.71 57.29 101.77 833.17 2.41 22.09 10.06 85.02 32.30 130.31 126.56
9 Wholesaler & Retailer 32.25 1.36 223.15 431.32 294.80 440.17 174.95 123.34 5.70 48.61 325.87 14.99 20.27 252.03 127.21
10 Finance, Insurance and Real Estate 1.00 179.39 289.60 366.28 727.86 32.17 89.71 53.59 57.43 386.39
11 Hotel or Restaurant 12.20 38.49 83.92 25.67 248.11 39.92 97.00 10.78 7.50 22.14 34.37
12 Other Services 2.19 10.58 9.20 5.45 105.66 126.85 296.75 2.26 33.91 2.57 26.25 75.48
13 Consumption Loans 3.45 16.40 2.47 30.80 76.78 185.08 89.68 121.08 115.73 36.08 35.23 93.11 102.62 120.43 35.48 81.07 133.97
14 Local Government 33.18 13.61
15 Others 10.18 6.70 7.55 127.62 19.26 1093.01 378.90 684.71 30.24 92.59 23.84 162.65 144.69 345.60 214.56
TOTAL 97.20 88.41 15.89 441.40 670.53 1110.05 2710.56 3533.67 4210.29 781.83 65.79 366.85 675.91 961.78 360.57 1325.27 1503.39

Product wise credit

1 Term Loan 8.36 1.10 329.53 110.61 421.79 460.42 234.46 5.41 81.70 258.77 593.88 351.73
2 Overdraft 6.55 30.38 2.89 710.02
3 Trust Receipt Loan / Import Loan
4 Demand & Other Working Capital Loan 20.12 357.95 195.71 491.29 787.88 92.59 325.87 141.28 168.33 246.23
5 Res. Per. H. Loan (Up to Rs. 10 mil.) 10.35 8.84 350.00 73.37 124.56 337.02 568.56 414.36 24.16 61.57 183.34 142.05 48.82 87.53 160.53
6 Real Estate Loan 44.30 33.15 201.43 300.43 362.40 2078.92 461.60 1.60 32.17 31.50 142.06 72.86 106.39 406.37
7 Margin Nature Loan 44.55 122.69 46.71 9.92 67.12 16.68 72.90 56.59 25.86 4.24 36.30
8 Hire Purchase Loan 6.71 30.54 2.47 3.81 53.25 116.56 969.31 292.40 10.53 22.09 10.06 17.81 102.47 32.30 135.06 126.56
9 Deprived Sector Loan 2.08 0.53 2.88 16.30 18.54 16.68 61.77 80.55 95.92 16.23 1.48 13.61 23.84 24.32 9.83 42.25 36.17
10 Bills Purchased
11 Other Product 43.03 18.13 7.65 30.80 138.06 66.21 1246.16 333.25 91.13 18.18 35.23 2.26 93.54 94.25 2.57 109.68 385.73
TOTAL LOAN & ADVANCES 97.20 88.41 15.89 441.40 670.53 1110.05 2710.56 3533.67 4210.29 781.83 65.79 366.85 675.91 961.78 360.57 1325.27 1503.39

Security wise credit

1 Gold and Silver 9.38 6.56
2 Government Securities
3 Non Governmental Securities 9.92 67.12 16.68 72.90 56.59 25.86
4 Fixed Deposit Receipts 0.61 30.80 27.78 62.73 74.68 50.75 48.60 11.29 35.23 20.20 80.56 30.32 9.62 22.48 99.28
4.1 Own 0.61 30.80 27.78 62.73 74.68 50.75 48.60 11.29 35.23 20.20 80.56 30.32 9.62 22.48 99.28
4.2 Other Licences Institutions
5 Collateral of Properties 96.59 78.50 8.34 410.60 580.59 924.97 2563.49 3406.68 3998.88 753.86 29.21 273.74 571.51 831.91 325.09 1296.21 1314.22
5.1 Fixed Assets 96.59 77.52 2.47 410.60 580.59 924.97 2563.49 3406.68 3998.88 753.86 29.21 273.74 571.51 831.91 325.09 1296.21 1314.22
5.2 Current Assets 0.98 5.87
6 Against security of Bill
6.1 Domestic Bills
6.2 Foreign Bills
7 Against Guarantee 0.54 65.05 95.68 0.08 42.96 0.02
7.1 Government Guarantee 13.15 33.18 3.25
7.2 Institutional Guarantee 0.54 25.00 20.66
7.3 Personal Guarantee 26.90 0.08 19.05
7.4 Collective Guarantee 0.02
7.5 Int. Rtd. Foreign Bank's Guarantee
7.6 Other Guarantee 62.50
8 Credit Card
9 Others 7.55 62.16 122.35 72.38 1.28 0.02 1.28 23.84 89.88
Total 97.20 88.41 15.89 441.40 670.53 1110.05 2710.56 3533.67 4210.29 781.83 65.79 366.85 675.91 961.78 360.57 1325.27 1503.39

54
 Statement of Loans and Advances
as on Magh end 2068
Rs. in million

Progressive
Investment

Mahalaxmi

Bhajuratna
Siddhartha
Samjhana
Universal

Standard
Goodwill

Lumbini

General
Lalitpur

Everest
Investa

United
ILFCO

Alpic
Yeti
Sector wise credit

Sri
FC
1 Agricultural and Forest Related 38.81 74.20 59.29 3.85 1.83 12.51 7.50 2.25 9.77 2.27 2.82 1.20 5.73 46.42
2 Fishery Related 2.00 0.40 0.67
3 Mining Related 41.39 1.33 6.40 5.96 3.85 0.00
4 Manufacturing (Producing) Related 147.37 115.36 208.21 161.73 149.06 670.95 291.81 140.47 4.68 22.41 28.42 25.72 124.94
5 Construction 225.73 365.40 112.80 209.23 275.90 3.62 58.28 129.78 74.77 554.12 86.94 34.28 781.89 174.59 12.59 112.58
6 Electricity,Gas and Water 1.45 108.50 2.40
7 Metal Products, Mach. & Ele. Eqp. 0.02 48.34 1.51 10.35 4.40 4.46 168.17 9.53 302.23 0.50 7.28
8 Tras., Com. and Public Utilities 16.63 112.34 96.35 48.45 174.26 33.31 56.89 582.15 932.47 187.24 28.82 15.61 50.59 37.59
9 Wholesaler & Retailer 143.64 528.48 389.35 238.52 256.28 191.15 287.35 158.15 302.32 523.05 31.58 14.53 358.08 5.19 47.29
10 Finance, Insurance and Real Estate 136.38 84.27 116.26 68.94 231.80 338.38 35.02 743.37 88.67 63.45 126.67
11 Hotel or Restaurant 131.87 57.11 182.45 33.30 264.30 11.08 71.67 0.58 9.56
12 Other Services 72.13 33.63 16.52 199.53 158.70 35.16 107.64 609.15 33.31 196.27 0.48 28.88 6.48 44.43
13 Consumption Loans 37.20 80.63 41.64 73.17 32.86 0.81 140.84 47.04 51.83 70.13 159.59 9.67 907.44 20.55 31.67 21.83
14 Local Government 4.02
15 Others 45.02 39.36 137.79 0.15 165.25 0.32 178.94 323.24 120.20 444.14 138.31 18.48 80.97 333.61 22.76 136.82
TOTAL 1037.65 1282.37 909.81 1179.44 1539.23 39.90 929.47 2766.72 2764.67 1864.09 1851.38 129.79 2217.06 945.33 225.26 722.50

Product wise credit

1 Term Loan 539.04 427.99 280.81 70.58 444.37 828.00 269.51 523.05 38.53 0.97 18.88
2 Overdraft
3 Trust Receipt Loan / Import Loan
4 Demand & Other Working Capital Loan 504.86 369.83 815.32 0.81 557.21 775.03 254.09 482.94 3.85 53.87 38.85 292.62
5 Res. Per. H. Loan (Up to Rs. 10 mil.) 199.98 264.48 76.63 154.60 69.99 27.48 85.64 43.56 246.59 86.94 560.14 14.31 59.22
6 Real Estate Loan 158.88 344.65 33.42 137.65 311.70 3.62 68.94 339.56 594.03 383.92 743.37 34.28 76.01 174.59 21.84 169.21
7 Margin Nature Loan 11.47 39.36 10.54 49.00 4.24 13.00 128.26 27.81 76.84 32.12 8.15 88.01 13.28 17.38 5.52
8 Hire Purchase Loan 18.49 122.11 94.83 38.41 122.21 33.31 120.02 178.88 919.65 193.08 36.85 28.82 960.03 22.50 50.66 48.26
9 Deprived Sector Loan 25.47 50.16 23.58 27.79 25.00 2.15 22.64 66.70 46.25 46.17 39.89 4.58 57.14 10.44 7.29 36.76
10 Bills Purchased 3.30
11 Other Product 84.33 33.63 165.95 121.34 190.77 49.60 744.97 51.28 165.03 385.30 15.42 420.88 724.52 56.03 110.91
TOTAL LOAN & ADVANCES 1037.65 1282.37 909.81 1179.44 1539.23 39.90 929.47 2766.72 2764.67 1864.09 1851.38 129.79 2217.06 945.33 225.26 722.50

Security wise credit

1 Gold and Silver
2 Government Securities
3 Non Governmental Securities 49.00 135.02 27.81 32.12 12.79 0.39 13.28 17.92
4 Fixed Deposit Receipts 22.24 80.63 41.64 24.17 29.79 46.87 423.27 51.43 70.13 90.62 9.67 124.54 20.55 6.41 10.67
4.1 Own 22.24 80.63 41.64 24.17 29.79 46.87 414.87 51.39 70.13 90.62 9.67 124.54 20.55 6.41 10.67
4.2 Other Licences Institutions 8.40 0.05
5 Collateral of Properties 983.14 1114.04 868.17 1106.07 1463.27 39.58 869.30 2156.11 2624.52 1686.44 1394.06 107.32 1934.18 911.50 155.43 697.95
5.1 Fixed Assets 983.14 1114.04 868.17 1106.07 1463.27 37.75 869.30 2156.11 2624.52 1658.32 867.15 107.32 1934.18 911.50 155.43 697.95
5.2 Current Assets 1.83 28.12 526.90
6 Against security of Bill
6.1 Domestic Bills
6.2 Foreign Bills
7 Against Guarantee 22.27 48.34 0.20 25.00 50.61 30.80 0.27 54.33 19.41 8.36
7.1 Government Guarantee 9.97 15.25 4.02
7.2 Institutional Guarantee 25.00 50.61 15.00 0.02 53.11 3.45
7.3 Personal Guarantee 0.83 0.20 0.55 0.24 1.22 15.96 4.34
7.4 Collective Guarantee
7.5 Int. Rtd. Foreign Bank's Guarantee
7.6 Other Guarantee 11.47 48.34
8 Credit Card
9 Others 10.00 39.36 21.17 0.32 13.30 1.71 30.11 107.25 334.58 103.61 26.09 5.52
Total 1037.65 1282.37 909.81 1179.44 1539.23 39.90 929.47 2766.72 2764.67 1864.09 1851.38 129.79 2217.06 945.33 225.26 722.50

55
 Statement of Loans and Advances
as on Magh end 2068
Rs. in million

Multipurpo

Guheshwor
Navadurga

CMBFCL
Pokhara

Premier

WMBFL
Central

Butwal

Srijana

Crystal
Janaki

Patan
Royal
Arun

CMB
Om
Sector wise credit

se

i
1 Agricultural and Forest Related 41.32 5.59 32.52 19.40 21.99 19.36 0.51 12.73 0.29 390.28 8.24 0.48 7.49
2 Fishery Related 0.80
3 Mining Related 0.35 12.07 31.12 0.30 24.74
4 Manufacturing (Producing) Related 228.90 86.56 128.14 129.40 159.05 4.17 90.18 71.04 14.81 59.67 976.75 265.69 18.74 26.49
5 Construction 18.03 146.90 80.25 110.13 144.76 48.77 20.73 46.18 20.01 248.76 70.69 57.43 22.48 387.51 155.88 243.90 80.09
6 Electricity,Gas and Water 2.00 16.14 2.20 0.95
7 Metal Products, Mach. & Ele. Eqp. 5.34 4.25 50.73 12.32 32.08 0.65 12.05 15.84 3.52 0.50
8 Tras., Com. and Public Utilities 7.57 69.15 67.70 134.58 198.36 195.09 62.10 43.15 22.12 54.39 33.56
9 Wholesaler & Retailer 258.08 221.49 415.32 712.97 94.09 49.79 25.03 151.42 67.87 498.30 3.84 83.39 196.28 132.37 0.76 12.01
10 Finance, Insurance and Real Estate 124.47 42.56 205.80 248.85 161.27 223.89 218.56 7.50 270.61 13.39 410.83 88.97 27.32
11 Hotel or Restaurant 62.60 20.29 68.58 3.57 20.68 22.60 11.11 71.10 7.72 100.60 17.55 1.73 0.41
12 Other Services 24.05 66.45 68.32 35.37 0.72 0.13 14.30 189.07 12.57 9.92 22.98 36.54 6.76 7.60 22.73 12.80
13 Consumption Loans 34.78 52.88 16.72 93.13 26.42 9.60 19.43 63.40 10.68 226.70 37.11 43.86 255.29 34.86 50.49 93.38 75.98
14 Local Government 1.52 2.18 125.37 1.37
15 Others 21.85 38.89 278.93 34.57 47.46 3.01 72.02 63.00 552.29 195.14 258.74 986.63 481.82 585.35 208.24 99.74
TOTAL 830.86 678.20 1336.79 1439.93 978.40 210.06 108.65 1132.55 174.64 2104.49 414.82 861.41 2983.89 904.18 1728.96 716.01 342.82

Product wise credit

1 Term Loan 1.50 308.04 211.34 10.39 56.29 58.79 495.76 67.87 424.57 17.59 188.95 1468.72 670.88 71.43 164.29
2 Overdraft
3 Trust Receipt Loan / Import Loan 509.93
4 Demand & Other Working Capital Loan 661.67 612.03 927.26 417.58 83.35 96.81 367.72 90.37 133.19 295.57 40.26 69.54
5 Res. Per. H. Loan (Up to Rs. 10 mil.) 12.80 146.90 110.13 180.97 36.26 20.73 102.79 52.70 72.32 0.57 12.54 91.17 174.84 45.52
6 Real Estate Loan 111.23 42.56 286.05 248.85 213.88 12.50 223.89 20.01 301.43 17.50 270.61 770.44 167.18 418.39 144.63 28.83
7 Margin Nature Loan 17.43 41.03 18.70 9.70 31.67 3.81 17.22 12.35 13.50 36.94 36.17 60.44
8 Hire Purchase Loan 6.00 8.32 69.15 67.70 45.22 6.02 8.17 118.82 5.30 188.97 25.51 55.69 43.22 8.73 47.03 20.27 6.53
9 Deprived Sector Loan 20.23 15.68 30.42 34.57 24.55 4.04 3.01 33.73 4.60 52.27 12.82 11.53 12.00 17.12 40.88 18.29 5.15
10 Bills Purchased 3.80
11 Other Product 156.69 127.80 21.22 58.19 17.96 29.08 76.85 713.01 161.50 188.52 367.89 513.20 157.53 123.01
TOTAL LOAN & ADVANCES 830.86 678.20 1336.79 1439.93 978.40 210.06 108.65 1132.55 174.64 2104.49 414.82 861.41 2983.89 904.18 1728.96 716.01 342.82

Security wise credit

1 Gold and Silver 146.68 2.74
2 Government Securities 3.11
3 Non Governmental Securities 17.43 41.03 18.70 3.81 12.15 13.50 36.94 60.84
4 Fixed Deposit Receipts 17.35 41.29 16.72 52.10 3.53 3.55 11.26 63.40 5.38 59.14 22.52 19.47 216.33 23.02 13.56 36.94 12.80
4.1 Own 17.35 41.29 16.72 52.10 3.53 3.55 11.26 63.40 5.38 59.14 22.52 19.47 216.33 23.02 13.56 36.94 12.80
4.2 Other Licences Institutions
5 Collateral of Properties 780.72 631.45 1320.07 1346.80 939.35 159.05 97.39 1069.15 25.31 1894.86 362.17 792.58 2741.10 872.99 1626.46 636.16 256.29
5.1 Fixed Assets 780.72 631.45 1320.07 1346.80 939.35 159.05 97.39 1069.15 25.31 1894.86 362.17 792.58 2741.10 872.99 1626.46 636.16 256.26
5.2 Current Assets 0.03
6 Against security of Bill
6.1 Domestic Bills
6.2 Foreign Bills
7 Against Guarantee 16.82 0.10 21.93 12.00 42.46 0.36 6.00
7.1 Government Guarantee 2.00
7.2 Institutional Guarantee 14.00 0.10 8.86 12.00 38.64 2.51
7.3 Personal Guarantee 0.82 13.07 3.82 0.36 3.49
7.4 Collective Guarantee
7.5 Int. Rtd. Foreign Bank's Guarantee
7.6 Other Guarantee
8 Credit Card
9 Others 15.36 5.45 47.46 143.95 30.04 15.27 0.95 5.07 9.55 42.55 4.15
Total 830.86 678.20 1336.79 1439.93 978.40 210.06 108.65 1132.55 174.64 2104.49 414.82 861.41 2983.89 904.18 1728.96 716.01 342.82

56
 Statement of Loans and Advances
as on Magh end 2068
Rs. in million

Sagarmath
Prudential

Imperial

Buddha
reliable
Shikhar
Everest

Prabhu

Valley
Kuber

hama
Fewa

NEFL

Lord
ICFC

Civil
IME

Seti
Sector wise credit

a
1 Agricultural and Forest Related 18.50 6.13 12.14 8.37 46.70 67.66 26.03 103.94 1.10 3.29 0.70 7.96 0.85
2 Fishery Related 2.20 1.57
3 Mining Related 2.00 6.50 4.98
4 Manufacturing (Producing) Related 95.29 8.41 38.23 250.43 259.05 43.27 59.13 206.16 57.05 24.15 34.17 15.19 28.58
5 Construction 355.30 60.49 31.33 194.83 428.03 71.46 21.76 11.89 291.47 61.35 67.90 37.69 51.88 4.67 9.19 215.29 56.60
6 Electricity,Gas and Water 8.75 1.50 13.80 42.10
7 Metal Products, Mach. & Ele. Eqp. 24.15 0.05 72.86 30.56 20.68 7.39 7.20 9.50 5.38 6.82
8 Tras., Com. and Public Utilities 478.52 133.35 40.72 20.94 55.70 188.34 7.13 233.75 179.06 49.25 13.19 77.14 47.47 76.48 59.94
9 Wholesaler & Retailer 360.23 0.82 128.67 397.76 548.68 105.92 107.72 0.04 325.96 121.12 94.07 41.03 244.93 70.15 9.89 298.13 58.88
10 Finance, Insurance and Real Estate 13.31 0.54 174.44 625.63 600.28 92.41 196.36 108.71 933.83 92.10 354.55 38.33 54.38 125.35 38.36 20.40
11 Hotel or Restaurant 100.12 37.71 157.55 225.63 6.84 1.30 361.41 3.34 6.55 2.10 23.07
12 Other Services 67.02 0.02 76.55 65.78 212.21 50.15 12.30 2.31 207.23 10.50 77.91 10.87 0.90 8.72 75.49 16.49 0.25
13 Consumption Loans 51.24 15.86 86.04 107.64 194.05 82.47 21.22 12.43 323.39 28.29 76.90 14.20 119.39 5.47 4.88 94.61 7.96
14 Local Government 1.30
15 Others 328.94 48.51 390.57 579.49 1216.81 345.16 202.93 80.38 969.50 191.72 298.88 190.69 355.27 27.38 166.36 499.78 130.52
TOTAL 1894.82 275.76 1089.24 2440.97 3816.56 1062.56 655.88 449.50 3922.94 627.38 1016.95 460.66 827.45 139.54 447.54 1239.14 429.15

Product wise credit

1 Term Loan 101.56 47.06 740.38 0.87 151.61 23.03 0.04 51.63 18.90 191.47 325.29 1.69 23.32 3.87 16.19
2 Overdraft
3 Trust Receipt Loan / Import Loan
4 Demand & Other Working Capital Loan 600.17 1546.66 1261.00 248.39 223.88 289.01 1623.64 350.11 244.44 70.16 146.69 110.55 216.75 229.20 158.44
5 Res. Per. H. Loan (Up to Rs. 10 mil.) 114.19 5.99 72.56 218.20 71.26 7.98 16.39 79.43 45.35 65.59 36.68 51.88 4.67 4.49 72.56 30.55
6 Real Estate Loan 190.01 60.49 160.40 488.23 715.70 87.18 210.14 108.75 738.21 93.91 197.73 56.05 139.17 112.75 143.07 30.95
7 Margin Nature Loan 63.31 140.67 102.62 90.31 6.62 10.66 79.48 44.79 21.27 4.10 22.97 11.16 72.34 26.08
8 Hire Purchase Loan 477.22 133.35 52.37 73.33 65.59 190.86 16.63 12.82 387.25 53.16 37.74 82.99 26.24 3.47 60.74 94.38 59.94
9 Deprived Sector Loan 46.68 34.85 31.19 55.69 97.39 29.77 12.62 9.53 96.85 14.19 5.27 11.88 21.16 3.17 12.60 46.23 9.76
10 Bills Purchased 5.83 2.60 0.13
11 Other Product 364.98 35.61 62.98 1204.46 321.76 178.01 2.31 860.62 25.88 423.41 7.34 94.06 15.99 5.74 577.37 97.24
TOTAL LOAN & ADVANCES 1894.82 275.76 1089.24 2440.97 3816.56 1062.56 655.88 449.50 3922.94 627.38 1016.95 460.66 827.45 139.54 447.54 1239.14 429.15

Security wise credit

1 Gold and Silver 5.83 84.67
2 Government Securities 1.15 4.85
3 Non Governmental Securities 63.31 91.81 6.53 18.99 4.10 26.08
4 Fixed Deposit Receipts 31.29 23.22 13.82 50.68 39.81 21.11 5.10 8.13 30.35 25.77 31.28 4.26 8.48 3.37 4.88 5.36 9.55
4.1 Own 31.29 23.22 13.82 50.68 39.81 21.11 5.10 8.13 30.35 25.77 31.28 4.26 8.48 3.37 4.88 5.36 9.55
4.2 Other Licences Institutions
5 Collateral of Properties 1863.53 252.03 980.69 2179.82 3741.76 936.24 625.92 401.41 3487.17 542.64 954.49 442.50 734.30 136.17 405.51 639.82 383.76
5.1 Fixed Assets 1863.53 252.03 980.69 2179.82 3741.76 936.24 625.92 401.41 3487.17 542.64 954.40 442.50 734.30 136.17 405.51 639.82 383.76
5.2 Current Assets 0.10
6 Against security of Bill 0.09
6.1 Domestic Bills 0.09
6.2 Foreign Bills
7 Against Guarantee 0.24 34.59 35.00 8.21 9.59 26.62 200.93 4.33 26.00 9.76
7.1 Government Guarantee 0.26
7.2 Institutional Guarantee 5.00 35.00 7.20 30.72 0.78 12.60 9.50
7.3 Personal Guarantee 0.24 27.06 1.01 9.59 19.74 163.46 3.56 13.40
7.4 Collective Guarantee 2.53 6.75
7.5 Int. Rtd. Foreign Bank's Guarantee
7.6 Other Guarantee 6.89
8 Credit Card
9 Others 0.50 31.19 174.73 0.34 8.65 13.34 198.66 58.98 7.85 9.80 11.16 593.97
Total 1894.82 275.76 1089.24 2440.97 3816.56 1062.56 655.88 449.50 3922.94 627.38 1016.95 460.66 827.45 139.54 447.54 1239.14 429.15

57
 Statement of Loans and Advances
as on Magh end 2068
Rs. in million

Subhalaxmi
Suryadarsh

Manjushre

Bhaktapur
Namaste

Reliance

Baibhav
Swastik

Unique
Zenith

Jebils

Lotus
Kaski
Api
Sector wise credit

an

e
1 Agricultural and Forest Related 0.34 1.98 24.48 15.09 7.50 12.15 2.79 8.53 2.00 0.13 2.90
2 Fishery Related 0.72
3 Mining Related 4.00 0.50
4 Manufacturing (Producing) Related 13.21 0.70 51.90 10.70 79.71 22.87 37.00 22.10 2.90 29.10 13.09 0.14 17.87
5 Construction 123.87 60.32 12.21 184.88 84.48 54.80 36.47 78.67 32.88 26.87 139.06 11.40 1.20 19.18
6 Electricity,Gas and Water 3.50
7 Metal Products, Mach. & Ele. Eqp. 2.00 1.70 9.33 31.34 17.14
8 Tras., Com. and Public Utilities 137.32 3.11 237.66 30.49 20.05 79.88 49.67 54.67 19.41 176.13 3.00
9 Wholesaler & Retailer 35.34 170.03 9.25 194.97 8.79 65.17 51.66 79.00 49.74 71.64 57.56 67.25 15.10 37.99
10 Finance, Insurance and Real Estate 0.93 52.90 48.75 106.67 9.70 70.14 8.85 9.69 18.00 5.30 6.40
11 Hotel or Restaurant 0.63 2.99 4.00 30.61 14.80 10.15 6.49 4.91 2.50 1.50
12 Other Services 59.14 7.21 1.09 2.45 81.87 20.74 0.81 31.12 34.49 1.91 2.93 3.00 13.65 3.19
13 Consumption Loans 30.32 21.66 1.36 10.57 49.79 85.30 15.65 7.36 69.99 52.15 38.45 103.20 4.90 3.80
14 Local Government 1.40
15 Others 22.06 108.54 34.72 241.87 78.17 271.87 256.23 232.92 190.49 97.19 112.34 49.07 46.51 12.55
TOTAL 270.73 518.63 68.69 1004.67 402.73 761.25 480.77 644.16 476.15 296.78 595.62 257.31 94.03 98.97

Product wise credit

1 Term Loan 13.30 9.18 107.23 49.66 16.29 1.49 22.06 7.00
2 Overdraft
3 Trust Receipt Loan / Import Loan
4 Demand & Other Working Capital Loan 49.62 273.78 237.68 73.32 173.04 111.78 360.69 151.58 84.99 66.10 27.30 63.66
5 Res. Per. H. Loan (Up to Rs. 10 mil.) 29.39 49.68 12.15 161.90 58.07 28.54 23.52 18.18 26.68 142.90 12.12
6 Real Estate Loan 17.60 10.64 0.93 75.88 63.53 123.07 146.51 120.30 58.41 5.69 6.35 11.40 6.40
7 Margin Nature Loan 28.18 33.09 66.54 9.42 52.93 46.22 31.62 7.85 13.44 2.80
8 Hire Purchase Loan 55.37 142.94 3.25 237.66 52.13 27.83 66.15 45.17 59.88 31.30 196.84 90.09 1.88 9.12
9 Deprived Sector Loan 6.57 14.13 1.97 24.48 10.61 17.10 9.99 16.60 11.96 7.82 21.92 8.58 0.37
10 Bills Purchased 0.50
11 Other Product 84.01 27.46 37.10 257.88 4.75 303.50 108.38 8.68 129.93 107.18 219.76 45.64 55.29 7.07
TOTAL LOAN & ADVANCES 270.73 518.63 68.69 1004.67 402.73 761.25 480.77 644.16 476.15 296.78 595.62 257.31 94.03 98.97

Security wise credit

1 Gold and Silver 1.79
2 Government Securities 28.18
3 Non Governmental Securities 33.09 66.54 0.18
4 Fixed Deposit Receipts 2.14 14.24 1.22 10.57 4.75 12.71 16.03 8.09 32.91 6.04 4.92 1.34 0.23 0.39
4.1 Own 2.14 14.24 1.22 10.57 4.75 12.71 16.03 8.09 32.91 6.04 4.92 1.34 0.23 0.39
4.2 Other Licences Institutions
5 Collateral of Properties 229.15 502.59 67.37 984.20 353.52 672.10 374.47 548.62 397.02 245.03 551.23 232.48 90.74 98.59
5.1 Fixed Assets 229.15 502.59 67.37 984.20 353.52 672.10 374.47 548.62 397.02 245.03 551.23 232.48 90.74 98.59
5.2 Current Assets
6 Against security of Bill 0.50
6.1 Domestic Bills 0.50
6.2 Foreign Bills
7 Against Guarantee 6.25 9.89 6.36 9.40 13.99 21.54 19.94
7.1 Government Guarantee 1.60 1.74 1.40
7.2 Institutional Guarantee 4.63 8.00 4.00 18.06 5.30
7.3 Personal Guarantee 6.25 9.15 3.48 1.50
7.4 Collective Guarantee 8.29 0.84
7.5 Int. Rtd. Foreign Bank's Guarantee 13.14
7.6 Other Guarantee
8 Credit Card
9 Others 5.01 0.10 5.00 90.27 87.45 46.22 31.72 17.75 3.55 3.07
Total 270.73 518.63 68.69 1004.67 402.73 761.25 480.77 644.16 476.15 296.78 595.62 257.31 94.03 98.97

58
 Major Financial Indicators of Micro-credit Development Banks
Rs in million
Mid July Mid-Jan Mid-Feb Percentage changes
Liabilities
2009 2010 2011 2012 2012 ColumnColum Column Column
1 2 3 4 5 2/1 3/2 4/3 5/4
1 CAPITAL FUND 1,939.8 2,174.7 2,408.8 2,231.0 2,417.7 12.1 10.8 (7.4) 8.4
a. Paid-up Capital 1,098.9 1,272.7 1,546.3 1,121.4 1,162.4 15.8 21.5 (27.5) 3.7
b. Statutory Reserves 148.2 162.9 245.6 204.2 253.2 10.0 50.7 (16.8) 24.0
c. Retained Earning 85.9 125.2 (25.6) 300.0 309.7 45.8 (120.4) (1273.3) 3.2
d. Others Reserves 606.9 613.8 642.5 605.3 692.4 1.1 4.7 (5.8) 14.4
2 BORROWINGS 8,972.9 10,753.8 13,037.6 10,635.7 11,157.0 19.8 21.2 (18.4) 4.9
a. NRB 164.0 210.4 200.9 64.3 48.8 28.3 (4.5) (68.0) (24.0)
b. "A"Class Licensed Institution 5,372.8 7,700.0 6,806.6 6,126.5 6,796.9 43.3 (11.6) (10.0) 10.9
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)
d. Other Financial Ins. 1,912.5 1,129.5 4,350.2 2,765.0 2,631.2 (40.9) 285.1 (36.4) (4.8)
e. Bonds and Securities
3 DEPOSITS 2,000.6 2,574.3 3,537.4 2,676.9 3,556.8 28.7 37.4 (24.3) 32.9
a. Current 2.7 0.9 67.5 66.7 (67.2) 7489.7 (1.2)
b. Savings 1,219.1 1,517.0 3,535.9 2,487.6 3,395.7 24.4 133.1 (29.6) 36.5
c. Fixed 5.7 9.1 5.2 4.9 61.3 (100.0) (6.7)
d. Call Deposits 0.3 (100.0)
e. Others 775.6 1,045.5 0.6 116.5 89.5 34.8 (99.9) 20845.2 (23.2)
4 Bills Payable 79.8 (100.0)
5 Other Liabilities 2,135.5 1,415.5 1,818.6 1,196.5 1,384.9 (33.7) 28.5 (34.2) 15.7
1. Loan Loss Provision 362.4 388.8 436.3 273.9 289.5 7.3 12.2 (37.2) 5.7
2. Interest Suspense a/c 159.5 275.4 354.0 124.6 47.4 72.7 28.5 (64.8) (61.9)
3. Others 1,613.6 751.3 1,028.4 797.9 1,048.0 (53.4) 36.9 (22.4) 31.3
6 Reconcillation A/c 117.0 1,726.4 223.2 2,034.4 1,863.3 1375.4 (87.1) 811.4 (8.4)
7 Profit & Loss A/c 193.1 277.4 470.7 261.1 331.0 43.6 69.7 (44.5) 26.8
Total 15,438.8 18,922.1 21,496.4 19,035.5 20,710.7 22.6 13.6 (11.4) 8.8
Assets
1 LIQUID FUNDS 2,855.1 2,172.8 3,272.2 3,449.1 3,075.8 (23.9) 50.6 5.4 (10.8)
a. Cash Balance 50.7 24.9 31.8 12.3 17.5 (50.8) 27.5 (61.4) 42.4
Nepalese Notes & Coins 50.7 24.9 31.8 12.3 17.5 (50.8) 27.5 (61.4) 42.4
Foreign Currency
b. Bank Balance 2,539.1 1,691.9 2,632.4 2,635.1 2,166.7 (33.4) 55.6 0.1 (17.8)
1. In Nepal Rastra Bank 80.9 93.5 71.1 362.1 69.9 15.6 (24.0) 409.4 (80.7)
2. "A"Class Licensed Institution 2,002.3 1,081.8 1,885.0 1,768.2 1,566.4 (46.0) 74.3 (6.2) (11.4)
3. Other Financial Ins. 456.0 516.6 676.3 504.8 530.3 13.3 30.9 (25.4) 5.1
4. In Foreign banks
c. Money at Call 265.2 456.0 608.1 801.7 891.6 71.9 33.4 31.8 11.2
2 INVESTMENTS 66.2 111.2 164.7 51.2 51.2 68.0 48.1 (68.9)
a. Govt.Securities 51.2 111.2 51.2 51.2 51.2 117.1 (53.9)
b Others 15.0 113.5 (100.0) (100.0)
3 SHARE & OTHER INVESTMEN 2,002.0 2,424.6 1,560.5 1,424.8 1,670.0 21.1 (35.6) (8.7) 17.2
4 LOANS & ADVANCES 8,222.8 11,117.0 14,649.9 11,033.7 12,958.0 35.2 31.8 (24.7) 17.4
a. Private Sector 1,500.1 8,464.0 3,371.1 5,237.9 (100.0) (60.2) 55.4
b. Financial Institutions 257.1 6,185.9 7,662.6 7,720.0 (100.0) 23.9 0.7
c. Government Organizations 6,465.5 11,117.0 71.9 (100.0)
5 BILL PURCHED
6 LOANS AGT. COLLECTED BILLS
7 FIXED ASSETS 183.0 225.5 259.3 243.7 261.7 23.2 15.0 (6.0) 7.4
8 OTHER ASSETS 1,723.4 907.8 1,253.2 643.6 813.8 (47.3) 38.0 (48.6) 26.5
a. Accrued Interests 189.5 313.7 359.1 144.0 72.8 65.5 14.5 (59.9) (49.5)
b. Others 1,533.8 594.1 894.1 499.6 741.1 (61.3) 50.5 (44.1) 48.3
9 Expenses not Written off 5.7 1.5 1.1 1.0 1.0 (73.4) (28.8) (10.8) 7.9
10 Non Banking Assets 143.6 (100.0)
11 Reconcillation Account 101.2 1,712.1 253.0 2,029.2 1,879.1 1591.0 (85.2) 702.0 (7.4)
12 Profit & Loss A/c 279.4 249.7 82.5 15.8 (10.6) (67.0) (80.9) (100.0)
USES OF FUNDS 15,438.8 18,922.2 21,496.4 19,035.5 20,710.7 22.6 13.6 (11.4) 8.8

59
 Statement of Assets and Liabilities of Micro‐credit Development Banks
as on Magh end, 2068

Rs. in million

Swabalamb

Naya Nepal

Sworojgar
Sanakisan
NIRDHAN

CHHIMEK
DIPROSC

NERUDE

Summit
MPGBB
PUGBB

PAGBB
SPGBB

MGBB

RMDC
Liabilities

an
1 CAPITAL FUND 288.36 883.14 158.52 207.47 261.39 397.99 74.86 13.03 20.85
a. Paid‐up Capital 192.46 320.00 106.14 126.02 118.98 128.79 40.00 14.00 17.50
b. Calls in Advance
c. General Reserves 32.56 75.13 25.77 39.70 50.30 14.84 12.48 ‐0.97 0.80
d. Share Premium 0.51 3.04 1.38 0.87
e. Retained Earning 6.06 178.99 21.23 39.81 8.76 39.77 2.91 2.42
f. Others Reserves Fund 56.77 309.02 2.34 0.56 82.47 214.60 19.47 0.14
g. Exchange Fluctuation Fund 0.00
2 BORROWINGS 1840.28 2415.96 907.70 1245.01 1237.79 2384.72 408.21 84.65 69.68
a. NRB 3.62 12.18 13.70 1.01 18.34
b. "A"Class Licensed Institution 1836.66 524.88 753.69 885.77 1236.78 1156.04 237.18 11.50 22.37
c. Foreign Banks and Fin. Ins. 1679.95
d. Other Financial Ins. 211.13 141.83 345.54 1210.33 171.03 73.15 47.31
e. Bonds and Securities
3 DEPOSITS 797.95 284.77 1248.46 898.11 256.43 19.50 34.02
a. Current 66.73
Domestic 66.73
Foreign
b. Savings 795.61 129.33 1245.92 898.11 256.43 19.50 34.02
Domestic 795.61 129.33 1245.92 898.11 256.43 19.50 34.02
Foreign
c. Fixed 2.35 2.54
Domestic 2.35 2.54
Foreign
d. Call Deposits
e. Others 88.71
4 Bills Payable
5 Other Liabilities 245.70 187.34 64.54 170.78 343.01 274.00 62.66 3.30 5.19
1. Sundry Creditors 10.97 5.45 36.06 13.99 115.40 50.61 0.65 0.29 0.13
2. Loan Loss Provision 54.86 81.66 19.03 20.95 36.00 58.71 10.28 2.02 0.35
3. Interest Suspense a/c 15.76 14.10 3.57 10.01 0.99 2.21
4. Others 164.11 86.13 5.88 135.84 181.60 163.69 49.52 0.98 4.72
6 Reconcillation A/c ‐2.59 1413.95 368.37 83.54
7 Profit & Loss A/c 36.99 85.90 47.44 62.88 31.80 33.22 18.82 2.20 3.00
TOTAL LIABILITIES 3209.28 3572.33 1460.38 4348.55 2772.10 3089.92 1189.36 122.68 216.29
Assets
1 LIQUID FUNDS 515.62 365.19 252.16 728.77 236.44 533.47 67.89 47.76 11.84
a. Cash Balance 5.33 0.00 1.59 1.20 4.68 0.91 2.26 0.00 0.70
Nepalese Notes & Coins 5.33 0.00 1.59 1.20 4.68 0.91 2.26 0.00 0.70
Foreign Currency
b. Bank Balance 38.04 365.19 48.79 727.56 60.89 532.57 65.64 1.66 10.52
1. In Nepal Rastra Bank 15.97 25.43 11.00 12.00 4.30 0.80
Domestic Currency 15.97 15.48 11.00 12.00 4.30 0.80
Foreign Currency 9.95
2. "A"Class Licensed Institution 22.08 265.89 25.12 606.49 43.59 502.85 32.76 0.23 4.12
Domestic Currency 22.08 265.89 25.12 606.49 43.59 502.85 32.76 0.23 4.12
Foreign Currency 0.00
3. Other Financial Ins. 73.86 23.67 121.08 6.30 17.72 28.57 0.63 6.40
4. In Foreign Banks
c. Money at Call 472.25 201.78 170.87 46.10 0.61
Domestic Currency 472.25 201.78 170.87 46.10 0.61
Foreign Currency
2 INVESTMENT IN SECURITIES 38.73 12.50
a. Govt.Securities 38.73 12.50
b. NRB Bond
c. Govt.Non‐Fin. Ins.
d. Other Non‐Fin Ins.
e Non Residents
3 SHARE & OTHER INVESTMENT 78.91 1136.13 5.00 11.84 217.61 136.54 70.01 14.00
a. Non Residents
b. Others 78.91 1136.13 5.00 11.84 217.61 136.54 70.01 14.00
4 LOANS & ADVANCES 2308.20 1977.92 1126.82 1950.80 2034.21 2340.67 652.46 58.83 117.41
a. Private Sector 2308.20 2034.21 652.46 58.83 117.41
b. Financial Institutions 1977.92 1126.82 1950.80 2340.67
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 107.56 2.59 12.96 87.20 18.81 11.03 10.33 1.07 1.85
8 OTHER ASSETS 164.68 78.01 63.43 155.99 248.09 67.47 20.27 0.86 1.50
a. Accrued Interest: 19.67 25.79 3.57 4.25 12.97 0.99 2.21
b. Staff Loans / Adv. 91.61 7.67 48.01 106.81 71.95 1.10 5.86 0.12
c. Sundry Debtors 16.81 0.45 3.19 29.27 127.87 32.61 0.32 0.11
d. Cash In Transit ‐0.22 20.00 3.90
e. Others 36.59 44.10 8.67 15.88 35.30 12.78 7.99 0.63 1.50
9 Expenses not Written off 0.08 0.13 0.16
10 Non Banking Assets
11 Reconcillation Account ‐4.50 1413.95 16.94 0.74 368.39 0.03 83.54
12 Profit & Loss A/c
TOTAL ASSETS 3209.28 3572.33 1460.38 4348.55 2772.10 3089.92 1189.36 122.68 216.29

60
 Statement of Assets and Liabilities of Micro‐credit Development Banks
as on Magh end, 2068

Rs. in million

Janautthan
Mirmire
Nagbeli

Mithila
Kalika
First
Liabilities Total

1 CAPITAL FUND 81.10 12.96 18.01 2,417.68

a. Paid‐up Capital 70.00 12.00 16.50 1,162.39
b. Calls in Advance 1.25 1.25
c. General Reserves 2.22 0.04 0.31 253.18
d. Share Premium 5.81
e. Retained Earning 8.88 ‐0.33 1.20 309.69
f. Others Reserves Fund 685.37
g. Exchange Fluctuation Fund 0.00
2 BORROWINGS 540.47 15.51 7.01 11,156.99
a. NRB 48.85
b. "A"Class Licensed Institution 132.07 6,796.94
c. Foreign Banks and Fin. Ins. 1,679.95
d. Other Financial Ins. 408.40 15.51 7.01 2,631.24
e. Bonds and Securities ‐
3 DEPOSITS 13.27 4.31 3,556.83
a. Current 66.73
Domestic 66.73
Foreign ‐
b. Savings 13.27 3.54 3,395.74
Domestic 13.27 3.54 3,395.74
Foreign ‐
c. Fixed 4.89
Domestic 4.89
Foreign ‐
d. Call Deposits ‐
e. Others 0.77 89.48
4 Bills Payable ‐
5 Other Liabilities 22.01 1.32 5.08 1,384.92
1. Sundry Creditors 0.05 1.49 235.09
2. Loan Loss Provision 3.56 0.42 1.68 289.52
3. Interest Suspense a/c 0.00 0.80 47.43
4. Others 18.39 0.90 1.11 812.87
6 Reconcillation A/c 1,863.28
7 Profit & Loss A/c 6.95 0.97 0.82 330.98
TOTAL LIABILITIES 650.52 44.03 35.23 20,710.68
Assets
1 LIQUID FUNDS 310.15 2.43 4.04 3,075.77
a. Cash Balance 0.73 0.07 17.46
Nepalese Notes & Coins 0.73 0.07 17.46
Foreign Currency ‐
b. Bank Balance 310.15 1.70 3.98 2,166.69
1. In Nepal Rastra Bank 0.42 69.93
Domestic Currency 0.42 59.98
Foreign Currency 9.95
2. "A"Class Licensed Institution 60.43 0.78 2.10 1,566.44
Domestic Currency 60.43 0.78 2.10 1,566.44
Foreign Currency 0.00
3. Other Financial Ins. 249.29 0.92 1.87 530.32
4. In Foreign Banks ‐
c. Money at Call 891.61
Domestic Currency 891.61
Foreign Currency ‐
2 INVESTMENT IN SECURITIES 51.23
a. Govt.Securities 51.23
b. NRB Bond ‐
c. Govt.Non‐Fin. Ins. ‐
d. Other Non‐Fin Ins. ‐
e Non Residents ‐
3 SHARE & OTHER INVESTMENT 1,670.03
a. Non Residents ‐
b. Others 1,670.03
4 LOANS & ADVANCES 323.83 39.28 27.54 12,957.98
a. Private Sector 39.28 27.54 5,237.93
b. Financial Institutions 323.83 7,720.05
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 6.44 1.24 0.63 261.72
8 OTHER ASSETS 10.11 0.47 2.95 813.83
a. Accrued Interest: 2.52 0.80 72.76
b. Staff Loans / Adv. 0.01 0.19 333.34
c. Sundry Debtors 1.61 212.23
d. Cash In Transit 23.68
e. Others 7.58 0.47 0.34 171.82
9 Expenses not Written off 0.60 0.08 1.04
10 Non Banking Assets ‐
11 Reconcillation Account 1,879.10
12 Profit & Loss A/c ‐
TOTAL ASSETS 650.52 44.03 35.23 20,710.68

61
 Profit and Loss Account of Micro‐credit Development Banks
as on Magh end, 2068

Rs. in million

CHHIMEK
NIRDHAN

DIPROSC
MPGBB
PUGBB

PAGBB
SPGBB

MGBB

RMDC
Expenses

1 Interest Expenses 125.75 40.40 50.90 140.49

1.1 Deposit Liabilities 28.11 10.83 71.72
1.1.1 Saving A/c 28.00 10.83 71.72
1.1.2 Fixed A/c 0.11
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 0.11
1.1.2.4 Above 1 Year
1.1.3 Call Deposit
1.1.4 Certificate of Deposits
1.2 Others 97.64 40.40 40.07 68.78
2 Commission/Fee Expense
3 Employees Expenses 107.57 10.89 35.30 58.28
4 Office Operatiing Expenses 22.98 3.08 11.41 26.09
5 Exchange Fluctuation Loss
5.1 Due to Change in Exchange Rates
5.2 Due to Foreign Currency Transactions
6 Non‐Operatiing Expenses
7. Provision for Risk 2.59 3.28 2.74
7.1 Loan loss Provision 2.59 3.28 2.74
7.1.1 General Loan loss Provision 3.03 3.28 2.49
7.1.2 Special Loan Loss Provision ‐0.44 0.25
7.1.3 Additional Loan Loss Provision
7.2. Provision for Non‐Banking Assets
7.3. Provision for Loss on Investment
7.4. Provision for Loss of Other Assets
8 Loan Written Off
9 Provision for Staff Bonus 11.54
10 Provision for Income Tax 34.62
11 Others
12 Net Profit 36.99 85.90 47.44 62.88
TOTAL EXPENSES 295.87 186.42 148.33 290.47

Income
1. Interest Income 259.53 174.57 139.22 215.70
1.1. On Loans and Advance 233.27 94.94 130.89 215.51
1.2. On Investment 1.46 0.49
1.2.1 Government Bonds 0.49
1.2.2 Foreign Bonds
1.2.3 NRB Bonds 1.46
1.2.4 Deventure & Bonds
1.3 Agency Balance
1.4 On Call Deposit 24.81 13.26 7.71
1.5 Others 65.89 0.62 0.18
2. Comission & Discount 8.77 2.91
2.1 Bills Purchase & Discount
2.2 Comission 1.18
2.3 Others 8.77 1.73
3 Income From Exchange Fluctuation
3.1 Due to Change in Exchange Rate
3.2 Due to Foreign Currency Trans.
4 Other Operating Income 23.69 3.88 0.34 70.98
5 Non Operating Income 11.88
6 Provision Written Back 7.97 0.90
7 Recovery from Written off Loan 0.79
8 Income from Extra Ordinary Expenses
9 Net Loss
TOTAL INCOME 295.87 186.42 148.33 290.47

62
 Profit and Loss Account of Micro‐credit Development Banks
as on Magh end, 2068

Rs. in million

Swabalamb

Naya Nepal

Sworojgar
Sanakisan

NERUDE

Nagbeli
Summit

Kalika
First
Expenses

an
1 Interest Expenses 94.47 67.68 36.03 5.02 6.58 31.20 1.81
1.1 Deposit Liabilities 39.01 12.64 0.44 1.23 0.48
1.1.1 Saving A/c 39.01 12.64 0.44 1.23 0.48
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 55.46 67.68 23.39 4.58 5.35 31.20 1.32
2 Commission/Fee Expense 16.31 0.00
3 Employees Expenses 115.99 9.65 32.76 2.02 4.09 2.04 1.23
4 Office Operatiing Expenses 24.54 4.74 5.77 0.71 1.86 2.26 1.18
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 7.59 25.67 3.08 0.63 0.09 0.25 0.10
7.1 Loan loss Provision 7.59 25.67 3.08 0.63 0.09 0.25 0.10
7.1.1 General Loan loss Provision 7.59 5.02 1.07 0.06 0.06 0.25 0.10
7.1.2 Special Loan Loss Provision 20.05 2.02 0.57 0.03
7.1.3 Additional Loan Loss Provision 0.59
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 4.18 4.75 0.99
10 Provision for Income Tax 12.54 14.24 2.98
11 Others
12 Net Profit 31.80 33.22 18.82 2.20 3.00 6.95 0.97
TOTAL EXPENSES 291.12 176.24 96.46 10.58 15.62 46.67 5.29

Income
1. Interest Income 283.46 163.92 81.82 8.80 12.19 43.63 4.16
1.1. On Loans and Advance 260.46 133.96 79.67 6.31 12.19 25.41 4.03
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 2.49
1.4 On Call Deposit 22.95 22.12 18.22 0.14
1.5 Others 0.06 7.84 2.15 0.00
2. Comission & Discount 0.09 0.11
2.1 Bills Purchase & Discount
2.2 Comission 0.01 0.11
2.3 Others 0.08
3 Income From Exchange Fluctuation
3.1 Due to Change in Exchange Rate
3.2 Due to Foreign Currency Trans.
4 Other Operating Income 5.41 0.05 14.64 1.78 3.44 3.04 1.02
5 Non Operating Income 2.25
6 Provision Written Back 12.19
7 Recovery from Written off Loan
8 Income from Extra Ordinary Expenses
9 Net Loss
TOTAL INCOME 291.12 176.24 96.46 10.58 15.62 46.67 5.29

63
 Profit and Loss Account of Micro‐credit Development Banks
as on Magh end, 2068

Rs. in million

Janautthan
Mirmire

Mithila
Expenses Total

1 Interest Expenses 0.66 600.97

1.1 Deposit Liabilities 0.15 164.62
1.1.1 Saving A/c 0.15 164.51
1.1.2 Fixed A/c 0.11
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 0.11
1.1.2.4 Above 1 Year
1.1.3 Call Deposit
1.1.4 Certificate of Deposits
1.2 Others 0.50 436.36
2 Commission/Fee Expense 16.31
3 Employees Expenses 1.09 380.91
4 Office Operatiing Expenses 0.48 105.09
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 0.08 46.12
7.1 Loan loss Provision 0.08 46.12
7.1.1 General Loan loss Provision 0.08 23.03
7.1.2 Special Loan Loss Provision 22.49
7.1.3 Additional Loan Loss Provision 0.59
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 0.09 21.55
10 Provision for Income Tax 0.35 64.73
11 Others
12 Net Profit 0.82 330.98
TOTAL EXPENSES 3.57 1566.66

Income
1. Interest Income 3.02 1390.01
1.1. On Loans and Advance 2.78 1199.41
1.2. On Investment 1.95
1.2.1 Government Bonds 0.49
1.2.2 Foreign Bonds
1.2.3 NRB Bonds 1.46
1.2.4 Deventure & Bonds
1.3 Agency Balance 2.49
1.4 On Call Deposit 109.18
1.5 Others 0.23 76.98
2. Comission & Discount 11.88
2.1 Bills Purchase & Discount
2.2 Comission 1.30
2.3 Others 10.58
3 Income From Exchange Fluctuation
3.1 Due to Change in Exchange Rate
3.2 Due to Foreign Currency Trans.
4 Other Operating Income 0.55 128.81
5 Non Operating Income 14.12
6 Provision Written Back 21.06
7 Recovery from Written off Loan 0.79
8 Income from Extra Ordinary Expenses
9 Net Loss
TOTAL INCOME 3.57 1566.66

64