Rastra Bank

postulate/ computer address of moneymaking(prenominal)isedized believes (2001 2012) 1000 900 800 700 600 euchre 400 300 200 100 0 2001 2002 2003 2004 2005 2006 2007 book of facts Rs. in billion 2008 2009 2010 2011 2012 Deposit beachING AND FINANCIAL STATISTICS MID JULY, 2012 NO. 58 NEPAL RASTRA BANK BANK & FINANCIAL INSTITUTION REGULATION DEPARTMENT STATISTICS DIVISIONCONTENTS Explanatory Notes Highlights on work of imprecates and Non- till monetary Institutions List of submits crystallise A technicalised wedges 1 monetary System at a Glance 2 Major Indicators of technical believe 3 education of Assets & Liabilities of moneymaking(prenominal) chamfer (Aggregate) 4 roughly Ratios of commercialised tills 5 chief city descent to essay Weighted Assets of mercantile affirms 6 Non perform add condition of technical banking companys 7 line of Assets & Liabilities of Nepal beach Ltd. 8 avouchment of Assets & Liabilities of Rastriya Banijya posit 9 Sta tement of Assets & Liabilities of NABIL banking concern Ltd. 0 Statement of Assets & Liabilities of Nepal Investment marge Ltd. 11 Statement of Assets & Liabilities of beat Chartered coast Nepal Ltd. 12 Statement of Assets & Liabilities of Himalayan patois Ltd. 13 Statement of Assets & Liabilities of Nepal SBI edge Ltd. 14 Statement of Assets & Liabilities of Nepal Bangladesh marge Ltd. 15 Statement of Assets & Liabilities of Everest verify Ltd. 16 Statement of Assets & Liabilities of Bank of capital of Nepal Ltd. 17 Statement of Assets & Liabilities of Nepal reference point & commercialised Bank Ltd. 19 Statement of Assets & Liabilities of Nepal Industrial & commercial-grade Bank Ltd. 8 Statement of Assets & Liabilities of Lumbini Bank Ltd. 20 Statement of Assets & Liabilities of Machhapuchhre Bank Ltd. 21 Statement of Assets & Liabilities of Kumari Bank Ltd. 22 Statement of Assets & Liabilities of Laxmi Bank Ltd. 23 Statement of Assets & Liabilities of Siddhartha Bank L td. 24 Statement of Assets & Liabilities of Agricultural victimisation Bank Ltd. 25 Statement of Assets & Liabilities of orbicular Bank Ltd. 26 Statement of Assets & Liabilities of Citizens Bank International Ltd. 27 Statement of Assets & Liabilities of Prime commercial Bank Ltd. 29 Statement of Assets & Liabilities of Bank of Asia Nepal Ltd. 8 Statement of Assets & Liabilities of Sunrise Bank Ltd. 30 Statement of Assets & Liabilities of breeding Credit Bank Ltd. 31 Statement of Assets & Liabilities of NMB Bank Ltd. 32 Statement of Assets & Liabilities of Kist Bank Ltd. 33 Statement of Assets & Liabilities of Janata Bank Nepal Ltd. 34 Statement of Assets & Liabilities of Mega Bank Nepal Ltd. 35 Statement of Assets & Liabilities of Commerz and depone Bank Nepal Ltd. 36 Statement of Assets & Liabilities of Civil Bank Ltd. 37 Statement of Assets & Liabilities of Century moneymaking(prenominal) Bank Ltd. 38 Statement of Assets & Liabilities of Sanima Bank Ltd. 9 boodle & injustic e trace of Commercial Banks 40 Sector wise give and Advances of Commercial Banks 41 Product wise bestow and Advances of Commercial Banks 42 disadvantaged Sector Loan Statement of Commercial Banks 43 List of Class A clear fiscal Institutions (Commercial Banks) 44 Branches of Commercial Banks Class B reading Banks 45 Statement of Assets & Liabilities of growing Bank (Aggregate) 46 Statement of Assets & Liabilities of knowledge Banks 47 Sector wise Outstanding Credits of tuition Banks 48 Non Performing Loan Status of tuition Banks 49 List of Class B licence fiscal Institutions (Development Banks) Class C pay Companies 50Statement of Assets & Liabilities of finance Companies (Aggregate) 51 Statement of Assets & Liabilities of finance Companies 52 Sector wise Outstanding Credits of pay Companies 53 NPL Status of pay Companies 54 List of Class C Licensed Financial Institutions (Finance Companies) Class D Rural Development Banks, little Credit Development Banks 55 Stateme nt of Assets & Liabilities of MFDB & RDB (Aggregate) 56 Statement of Assets & Liabilities of MFDB & RDB Page No. 1 2 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 54 55 56 57 58 63 65 66 70 71 75 77 78 79 80 Explanatory Notes 1. This issue of Banking and Financial Statistics, mid(prenominal)-July 2012, Issue No. 58 contains statistical information of NRB licensed Banks and Non- fix Financial Institutions. 2. This bulletin consists of 56 tables and a drawing explanation on performance of NRB licensed coasts and monetary institutions. 3.The figure of speechs promulgated in this bulletin ar based on the actual monthly and every quarter returns of the avows and non-bank financial institutions. 4. Efforts stick been made to present true data for mid-July 2012. 5. untenanted space in the heading and sub heading indicates the not accessibility of data or nil in transaction. 6. Because of subsequent revis ions, differences with antecedently published figures are at times unavoidable. 7. The matchs in the tables may not exactly tally with the sum of the constituent items due to rounding of the figures. 8. The following months of the Gregorian cal repealar year are the approximate equivalent of the months of the Nepalese Calendar YearGregorian Month middle-Apr/mid(prenominal)-May middle-May/ middle-June mid(prenominal)-June/mid(prenominal)-July mid(prenominal)-July/mid(prenominal)-Aug middle-Aug /Mid-Sept Mid-Sept/Mid-Oct Mid-Oct/Mid-Nov Mid-Nov/Mid-Dec Mid-Dec/Mid-Jan Mid-Jan/Mid-Feb Mid-Feb/Mid-Mar Mid-Mar/Mid-Apr Nepalese Month Baisakh Jeth Asar Saun Bhadau Asoj Kattik Mangsir Pus Magh Fagun Chait 9. It is expect that this publication will be of immense use to the researchers and all concern people in the field of banking, management, economics and statistics. 1 Highlights on Performance of Banks and Non-Bank Financial Institutions Financial Sector at a Glance 1. The story o f financial system of Nepal was begun in 1937 with the establishment of the Nepal Bank Ltd. as the low gear commercial bank of Nepal with the joint ownership of government and general public.Nepal Rastra Bank was established after 19 years since the establishment of the first commercial bank. A decade after the establishment of NRB, Rastriya Banijya Bank, a commercial bank under the ownership of Government Nepal was established. 2. In the context of banking development, the 1980s aphorism a study structural change in financial sphere policies, regulations and institutional developments. Government emphasized the role of the private celestial sphere for the enthronization in the financial heavens. With the adoption of the financial sector liberalization by the government in 80s opened the door for foreign Banks to open joint venture Banks in Nepal. As a result, various banking and non-banking financial institutions have come into existence.Nabil Bank restrain, the first forei gn joint venture bank of Nepal, started operations in July 1984. During two decades, Nepal witnessed tremendous increment in add together of financial institutions. Nepalese banking system has now a wide geographical reach and institutional diversification. Consequently, by the end of mid July 2012, altogether 265 banks and non- bank financial institutions licensed by NRB are in operation. Out of them, 32 are A categorize commercial banks, 88 B club development banks, 69 C class finance companies, 24 D class little-credit development banks, 16 thrift and credit co-operatives and 36 NGOs. In mid- July 2011, the commercial banks branches reached to 1425 with the population of nineteen thousand per branch.Present development of financial institutions in Nepal is reflected in table below. egress of Financial Institutions 3. Types of Financial Institutions Commercial Banks Development Banks Finance Companies Micro-finance Development Banks Saving & Credit 6 19 20 1985 3 2 1990 5 2 1995 10 3 21 4 2000 13 7 45 7 2005 17 26 60 11 Mid July 2006 18 28 70 11 2007 20 38 74 12 2008 25 58 78 12 2009 26 63 77 15 2010 27 79 79 18 2011 31 87 79 21 2012 32 88 69 24 Co-operatives Limited Activities) NGOs (Financial 7 5 7 44 98 47 181 47 193 47 208 46 235 45 242 45 263 38 272 36 265 Banking 19 17 16 16 15 16 16 Intermediaries) congeries 2 4. As of Mid July 2012, Commercial Bank group occupied 77. portion of get assets/liabilities followed by Development Banks 12. 4 overlap, Finance Companies 8. 2 per centum and Micro-finance Development Bank 2. 2 pct. In Mid July 2011, the respective considers were 75. 3, 12. 0, 10. 9 and 1. 8 pct one by one as presented in put over 1. picture 1 heart Assets/Liabilities Structure Finance Companies 8. 2% MFDB & RDB 2. 2% Dev. Banks 12. 4% Commercial Banks 77. 3% 5. The written report of the total liabilities shows as usual, stupefy held dominant dower of 78. 0 pctage followed by other Liabilities 11. 0 part expectant line of descent by 8. 5 pct and borrows by 2. 5 per centum severally in Mid July 2012.Likewise in the assets side, add and approach shots accounted the largest share of 58. 5 share followed by investitures 15. 2 per centum, suave inventory 17. 5 part and others 8. 8 part in the homogeneous time period as shown in figure below. ascertain 2 organic laws of Assets/Liabilities of Financial System as on Mid-July, 2012 Assets base of Financial System liquid state bloods 17. 5% Liabilities composition of Financial System adoptions 2. 5% some others 8. 8% Others 11. 0% Inves tmen t 15. 2% get in 2 (a) Loa ns & Advances 58. 5% Ca pital origin 8. 5% Deposit 78. 0% convention 2 (b) 6. Commercial Banks held dominant share on the major balance sheet portions of financial system.Of the total deposits Rs. 1076,629 jillion in Mid July 2012, the commercial banks occupied 80. 6 pct. Similarly, development banks held 11. 8 percent, finance companies 7. 1 percent and mi cro finance development banks 0. 5 percent. Likewise, on the loans and advances the share of commercial banks stood 3 at 77. 1 percent, development banks 12. 5 percent, finance companies 8. 3 percent and micro finance development banks 2. 2 percent in Mid July 2012. In the same year the share of commercial banks in the borrows, gas breeds and investings constitute 45. 1 percent, 66. 9 percent and 86. 3 percent individually as reflected in Table 1. 7.The roof storehouse, one of the components of liabilities, witnessed offset of 11. 4 percent and reached to Rs. 117,980 zillion in Mid July 2012 from Rs. 105,816 cardinal in mid July 2011. The adoptions lessen significantly by 26. 9 percent while deposit and other liabilities change magnitude by 23. 2 percent, 16. 7 percent respectively compared to Mid July 2011. Similarly loans and advances, the major component of assets increase by 12. 3 percent and reached to Rs. 807,579 meg in Mid July 2012 from Rs. 718,674 zillion in mid July 2011. Likewise enthronization change magnitude by 28. 9 percent while liquid fund witnessed significant produce of 59. 9 percent in Mid July 2012 compared to the previous(prenominal) period as shown in Table 1.Growth of Major isotropy-Sheet Indicators (%) Mid- July Particulars 2001 upper-case letter gunstock 26. 56 2002 43. 97 2003 26. 56 2004 -107. 36 2005 -516. 43 2006 17. 90 2007 192. 50 2008 273. 5 2009 104. 36 2010 46. 66 2011 36. 9 2012 11. 4 Borrowings Deposits Liquid gillyflowers Investment 21. 95 16. 20 40. 59 3. 96 -5. 90 43. 36 11. 51 -20. 59 31. 00 12. 46 13. 12 22. 08 8. 64 23. 77 9. 81 -14. 32 18. 95 34. 61 15. 42 4. 23 33. 76 22. 32 19. 28 21. 66 14. 53 17. 55 30. 10 68. 64 18. 11 12. 73 32. 55 45. 18 17. 46 7. 51 16. 83 7. 34 4. 53 23. 8 10. 8 -0. 8 10. 2 -26. 9 23. 2 59. 9 28. 9 Loans & Advances 15. 94 19. 54 11. 35 11. 67 13. 38 10. 22 26. 55 34. 27 30. 70 21. 32 15. 8 12. 3 Commercial Banks 8.The military issue of commercial bank branches op erating in the country increased to 1425 in Mid July 2012 from 1245 in mid July 2011. Among the total bank branches, 49. 7 percent bank branches are concentrated in the central region followed by Western 17. 9 percent, Eastern 17. 8 Mid Western 8. 4 percent and Far Western 5. 9 percent respectively as presented in Table 44. 9. The total assets of commercial banks increased by 21. 5 percent compared to increment of 11. 6 percent in the previous year. By the end of this fiscal year, the total assets of commercial banking sector reached to Rs. 1067,096 one thousand thousand from Rs 878,364 one thousand gazillion in the last period as shown in Table 3. 10.The share of loans and advances to total assets remained 58. 3 percent in Mid July 2012. Similarly, share of investment and liquid funds to total assets registered 17. 0 percent and 15. 2 percent respectively as represented in Table 3. 4 11. The composition of liabilities of commercial banks shows that, the deposit has occupied the dominant share of 81. 3 percent followed by others 10. 0 percent crownwork fund 7. 2 percent and Borrowings 1. 5 percent in the Mid July 2012 as reflected in Table 3. Figure 3 Compositions of Assets/Liabilities of Commercial Banks as on Mid- July 2012 Assets Composition of Commercial Banks Liquid caudexs 15. 2% Others 10. 0% Liabilities Composition of Commercial Banks detonator fund 7. 2% Borrowings 1. 5% Investments 17. 0% Other Assets 9. 5% Figure 3 (a) Loan & Advances 58. 3% Deposit 81. 3% Figure 3 (b) 12. In the Mid July 2012, the loans and advances increased by 17. 9 percent compare to 12. 4 percent in Mid July 2011. By the end of Mid July 2012, the total outstanding mensuration of loans and advances including Bills Purchase and Loan against Collected Bills of commercial banks reached to Rs. 622,575 jillion. It was Rs. 528,023 zillion in Mid July 2011 as shown in Table 3. 13. The total investment including share & other investment of commercial banks in Mid July 2012 increased by 21. 2 percent and reached to Rs. 81,273 one million million from Rs. 149,557 million in Mid July 2012. Similarly liquid fund increased significantly by 65. 0 percent and amounted to Rs. 161,785 million in Mid July 2012 as shown in Table 3. 14. In the Mid July 2012, total deposit of commercial bank increased by 26. 2 percent compare to 9. 0 percent growth in the Mid July 2011. As of Mid July 2012, it reached to Rs. 867,978 million from Rs 687,588 million in the Mid July 2011. Among the component of deposit, certain deposit increased by 18. 1 percent compared to 2 percent of decrement in last year. Similarly, saving & fixed deposit increased by 31. 8 percent and 17. 8 percent as shown in Table 3. 15.The Saving deposit comprises the major share in total deposit followed by fixed deposit, clapperclaw deposit and rate of flow deposit. As of Mid July 2012, the proportion of saving, fixed and anticipates & current deposits are 35. 1 percent, 34. 4 percent, 18. 6 an d 10. 7 percent respectively as reflected in Table 3. Figure 4 Deposit Composition of Commercial Banks Call 18. 6% Others 1. 1% menstruum 10. 7% nest egg 35. 1% Fixed 34. 4% 5 16. In the Mid July 2012, the borrowing decreased by 37. 6 percent compared to increment of 25. 6 percent in the previous year. By the end of Mid July 2012, it reached to Rs. 15, 507 million from Rs. 24,853 million in the Mid July 2011 as reflected in Table 3. 17. corking fund of commercial banks increased by 30. 6 percent compared to previous year and reached to Rs. 77,143 million in Mid July 2012. It was Rs. 59,064 million in Mid July 2011 as presented in Table 3. 18. Out of the Rs. 622,575 million outstanding sector wise impute in Mid July 2012, the largest proportion of the loans and advances is occupied by manufacturing sector. The share of this sector is 23. 1 percent followed by wholesale & retailers 20. 5 percent, other sector 11. 1 percent, finance, insurance & real estate by 10. 0 percent an d construction 9. 8 percent. Similarly, transportation, communication & public services comprise 4. 0 percent, consumable loan by 6. percent, other service industries by 4. 9 percent and agriculture by 3. 7 percent in the same period as represented in Table 40. 19. The outstanding of disadvantaged sector credit of commercial banks in the Mid July 2012 by the end of Mid July reached to Rs. 24,150 million as presented in Table 42. The ratio of deprive sector credit to total outstanding of product wise loans and advances stood at 3. 8 percent in the current period. Last year it was 3. 6 percent. 20. In Mid July 2012, the credit to deposit ratio of the commercial banks reached to 71. 7 percent compared to 76. 8 percent in Mid July 2010 as presented in Table 3. Figure 5 21.The non-performing loan of commercial banks decreased to 2. 6 percent in Mid July 2012 from 3. 2 percent in the Mid July 2011. The total amount of NPA in Mid July 2012 reached to Rs. 16,325 million from Rs. 16, 872 million in the Mid July 2011 as reflected in Table 6. 6 Development Banks 22. The total figure of speech of development banks increased to 88 in Mid July 2012 from 87 in Mid July 2011. Out of them, 19 are national direct and rests are district level development banks. 23. The total assets/liabilities of development banks increased by 22. 3 percent and reached to Rs. 170,894 million in the Mid July 2012 from Rs. 139,736 million in Mid July 2011.The entry of new development banks along with furrow expansion resulted to increase in the total assets and liabilities. 24. Among the component of liabilities, deposit comprise 74. 5 percent followed by capital fund 13. 3 percent borrowing by 0. 7 percent and others by 11. 5 percent in Mid July 2012. In the previous year the respective share of deposit, capital fund and borrowing were 69. 3 percent, 16. 1 percent and 3. 4 percent. On the assets side, loans and advances constituted 58. 9 percent, liquid funds 27. 7 percent and in vestment 3. 0 percent in Mid July 2012. The respective shares were 63. 7 percent, 21. 0 percent and 4. 2 percent respectively in Mid July 2011 as reflected in Table 45.Figure 6 Compositions of Assets/Liabilities of Dev. Bank as on Mid-July, 2012 Figure 6(a) Figure 6(b) 25. In total deposit of Development Bank in 2012, Saving deposit comprises the major share 47. 9 percent in total deposit followed by Fixed deposit of 29. 4 percent , Call deposit 20. 0 percent , period deposit 2. 1 percent and others 0. 7 percent. As of Mid July 2011, the proportion of saving, fixed, and call & current deposits were 44. 3 percent, 32. 2 percent, 21. 1 and 1. 9 percent respectively as reflected in Table 45. Figure 7 7 26. During the period of current fiscal year, the deposit collection of Development Banks increased by 31. percent and reached to Rs. 127,300 million in Mid July 2012 from Rs. 96,887 million. Deposit in previous year had increased by 25. 9 percent. Similarly capital fund increased by 0. 8 percent and reached to Rs. 22,702 million. In the same period borrowings decreased significantly by 74. 6 percent and reached to Rs. 1,193 million in Mid July 2012 from 4,700 million in previous year. The increment of capital fund and borrowings were 46. 9 percent and 5. 8 percent in Mid July 2011. Figure 8 27. The average proportion of non-performing loan to total outstanding loan of development banks reached to 4. 9 percent in Mid July 2012 from 4. 2 percent in Mid July 2011. contribute amount of NPL as end of Mid July 2012 is Rs. 10,062 million as presented in Table 48. 8 Finance Companies 28. The total number of finance companies remained to 69 in Mid July 2012. During this period the following pay went into merger. S. No Name Merge into 1 2 3 4 5 6 7 Universal Finance Shikhar Finance Swastik merchant Finance Suryadarshan Finance Standard Finance IME Finance Lord Buddha Finance Business Development Bank Kasthamandap Development Bank Infrastructure Development Bank An napurna Bikash Bank Machapuchhre Bank Global Bank Global Bank During the period Annapurna Finance upgraded to Development bank and started operation as Kailash Development Bank. 29.The decrement in number of Finance Companies resulted the total assets/liabilities of the finance companies to ricochet by 10. 7 percent in Mid -July 2012 and reached to Rs. 112,973 million from 126,617 million in Mid July 2012 as presented in Table 50. Among the total liabilities deposits held the largest share of 67. 4 percent followed by capital fund 13. 6 percent, others 18. 1 percent and borrowings 1. 0 percent. The respective share of deposit, capital fund and borrowing were 67. 5 percent, 17. 2 percent and 11. 7 percent in the previous year. On the assets side, loan and advances held 59. 0 percent of total assets followed by liquid funds 23. 8 percent, investments 3. 1 percent and others 14. percent in Mid July 2012 as presented in Table 50. The respective share of loan & advances, liquid funds and investments were 68. 7 percent, 16. 2 percent and 4. 5 percent in Mid July 2011. Figure 9 Compositions of Assets/Liabilities of Finance Companies as on Mid-July, 2012 Figure 9(a) Figure 9(a) Figure 9(b) Figure 9(b) 9 30. The total deposit mobilisation by the finance companies in the current fiscal year decreased 10. 9 by percent in Mid July 2012 and reached to Rs. 76,116 million from Rs. 85,477 million. Similarly, capital fund decreased by 29. 7 percent and reached to 15,318 Rs. million from Rs. 21,818 million. Likewise, borrowing decreased by 75. percent and reached to Rs. 1,106 million from Rs. 4,506 million in Mid July 2012 as reflected in Table 50. 31. In the Mid July 2012, liquid fund decreased by 31. 0 percent and reached to Rs. 26,884 million from Rs. 20,511 million Mid July 2011. Likewise, loan & advances declined by 23. 4 percent. The growth was 28. 5 percent in Mid July 2011. The total outstanding amount of loan and advances including Bills purchased and loan aga inst smooth bills reached to Rs. 66,644 million in Mid July 2012 from Rs. 87,032 million in Mid July 2011. Likewise, the investment including packet & other investment decreased by 38. 4 percent and reached to Rs. ,529 million in Mid July 2012. The increment was 29. 3 percent in Mid July 2011. 32. Credit deposit ratio of finance companies reached to 87. 5 percent in Mid July 2012 from 101. 8 percent in the Mid July 2011. Figure 10 33. The average proportion of non-performing loan to total outstanding loan of Finance Companies reached to 10. 7 percent in Mid July 2012 and reached to Rs. 7,145 million as presented in Table 53 . The ratio was 5. 4 percent and amount of Rs. 4,729 million in the Mid July 2011. 10 Micro Finance Development Banks & Rural Development Banks 34. catamenialy there are 24 D class rural & micro finance development banks in the country.Out of them five are regional level rural development banks and remaining are micro finance development banks. 35. In Mid July 2012, the total assets/liabilities of micro finance development banks increased by 39. 6 percent compared to increment of 13. 6 percent in the Mid July 2011. In Mid July 2012, the total assets/liabilities of these banks reached to Rs. 30,007million from Rs. 21,496 million in Mid July 2011 as presented in Table 55. Figure 11 36. As of Mid July 2012 the total outstanding loan and advances of micro finance development banks increased by 21. 0 percent and reached to Rs. 17,738 million from Rs. 14,650 million in Mid July 2011 as reflected in Table 55. Cooperatives and NGOs 37.The number of financial cooperatives licensed by NRB to conduct limited banking activities and number of NGOs are 16 and 36 respectively in Mid July 2012. Due to unavailability of current data, the statistical information of cooperatives and NGOs are not included in this bulletin. 11 Table No. 1 Financial System at a Glance (Rs in Million) Mid July 2001 1 Capital Fund Commercial Banks Development Ba nks Finance Companies Micro Finance Development Banks Others 2 Borrowing Commercial Banks Development Banks Finance Companies Micro Finance Development Banks Others 3 Deposits Commercial Banks Development Banks Finance Companies Micro Finance Development Banks Others 4 Other Liabilities Commercial Banks Development Banks Finance Companies Micro Finance Development Banks Others 5 Liquid FundCommercial Banks Development Banks Finance Companies Micro Finance Development Banks Others 6 Investment Commercial Banks Development Banks Finance Companies Micro Finance Development Banks Others 7 Loans and Advances Commercial Banks Development Banks Finance Companies Micro Finance Development Banks Others 8 Other Assets Commercial Banks Development Banks Finance Companies Micro Finance Development Banks Others 9 come in Assets / Liabilities Commercial Banks Development Banks Finance Companies MFDB & RDB Others 91. 8% 1. 7% 5. 8% 0. 7% 87. 4% 6. 0% 5. 9% 0. 7% 1. 0% 0. 9% 0. 7% 88. 0% 2. 3% 8. 8% 0. 5% 76. 3% 14. 7% 8. 1% 0. 6% 27398. 5 92. 9% 1. 8% 4. 6% 0. 8% 39279. 7 87. 1% 8. 3% 4. 1% 58587. 3 94. 9% 1. 0% 3. 5% 55133. 5 90. 6% 3. 4% 5. 2% 0. 7% 0. 8% 92. 1% 1. 3% 5. 9% 90. 3% 2. 4% 6. 6% 1. 9% 1. 6% 10993. 5 74. 9% 5. 7% 17. 5% 2002 15827. 2 64. 5% 17. 2% 16. 8% 2003 20031. 0 59. 0% 20. 6% 16. 0% 3. 1% 1. 4% 11650. 9 27. 2% 50. 5% 1. 2% 20. 5% 0. 6% 197325. 6 205135. 3 228736. 4 89. 1% 2. 8% 7. 2% 0. 3% 0. 5% 96632. 6 89. 7% 6. 8% 2. 3% 0. 7% 0. 4% 43782. 0 87. 0% 5. 6% 5. 9% 0. 8% 0. % 51457. 9 88. 2% 6. 7% 4. 6% 2. 0% 0. 5% 75. 4% 14. 9% 8. 8% 1. 5% 0. 9% 96691. 9 100. 8% -4. 4% 2. 7% 0. 3% 0. 6% 273946. 2 314567. 1 357050. 9 85. 6% 7. 5% 6. 2% 1. 2% 0. 7% 124048. 9 148290. 7 165119. 1 2004 (1474. 3) -692. 0% 282. 0% 247. 8% 45. 3% 16. 9% 13102. 9 23. 1% 45. 5% 10. 0% 21. 1% 0. 3% 258742. 3 90. 4% 1. 5% 7. 5% 0. 3% 0. 3% 117061. 3 89. 4% 7. 1% 2. 4% 0. 7% 0. 3% 53448. 8 86. 3% 4. 1% 8. 2% 0. 9% 0. 5% 55903. 1 88. 8% 6. 3% 4. 5% 2. 2% 0. 3% 184389. 1 75. 9% 13. 8% 9 . 5% 1. 5% 0. 7% 93691. 2 101. 7% -5. 5% 2. 9% 0. 3% 0. 5% 387432. 2 87. 7% 4. 7% 7. 0% 1. 3% 0. 6% 2005 (9088. 1) -210. 5% 52. 2% 46. 8% 8. 1% 3. 4% 16217. 6 42. % 27. 7% 6. 1% 21. 0% 3. 0% 88. 8% 2. 4% 7. 9% 0. 3% 0. 6% 93. 4% 4. 0% 1. 6% 0. 8% 0. 3% 45792. 5 83. 8% 4. 9% 8. 5% 1. 4% 1. 3% 66499. 1 90. 5% 3. 0% 3. 6% 2. 3% 0. 6% 78. 3% 9. 2% 10. 2% 1. 7% 0. 7% 97. 2% 0. 0% 1. 9% 0. 4% 0. 4% 86. 7% 4. 9% 6. 4% 1. 3% 0. 7% 2006 (7461. 5) -237. 8% 63. 9% 57. 8% 11. 1% 5. 0% 21830. 3 43. 6% 23. 9% 5. 3% 24. 4% 2. 8% 88. 8% 1. 8% 8. 3% 0. 3% 0. 8% 89. 0% 6. 5% 3. 7% 0. 7% 0. 1% 47728. 1 81. 4% 3. 3% 11. 3% 2. 8% 1. 3% 88959. 6 92. 4% 2. 4% 3. 1% 1. 9% 0. 2% 76. 7% 8. 7% 11. 8% 1. 9% 0. 9% 94. 3% 1. 9% 2. 6% 0. 6% 0. 6% 84. 7% 5. 2% 7. 7% 1. 6% 0. 7% 2007 6901. 7 -60. 1% 58. 8% 78. 0% 16. 2% 7. 1% 26703. 7 47. % 8. 4% 13. 0% 26. 0% 4. 9% 391152. 6 86. 3% 3. 9% 8. 8% 0. 3% 0. 7% 157719. 2 91. 6% 0. 6% 6. 4% 0. 7% 0. 6% 58064. 2 75. 9% 6. 4% 12. 9% 3. 1% 1. 6% 101888. 2 91. 8% 1. 5% 4. 5% 2. 0% 0. 2% 291605. 8 79. 5% 5. 3% 12. 2% 2. 0% 1. 0% 130919. 0 92. 6% 1. 5% 4. 4% 0. 6% 1. 0% 582477. 3 84. 2% 3. 9% 9. 2% 1. 8% 0. 9% 2008 25778. 0 38. 6% 25. 4% 28. 9% 4. 9% 2. 2% 31391. 5 45. 9% 8. 1% 13. 9% 26. 8% 5. 4% 83. 7% 5. 1% 10. 3% 0. 3% 0. 6% 82. 9% 3. 6% 11. 6% 1. 0% 0. 9% 68. 3% 10. 2% 18. 1% 1. 2% 2. 2% 90. 5% 2. 8% 3. 6% 2. 9% 0. 2% 78. 3% 6. 0% 13. 2% 1. 8% 0. 7% 96532. 9 87. 3% 3. 0% 7. 1% 0. 9% 1. 7% 80. 2% 5. 6% 11. 4% 1. 8% 1. 0% 2009 52681. 8 57. % 17. 7% 20. 0% 3. 7% 0. 9% 35387. 8 51. 8% 7. 4% 14. 7% 25. 4% 0. 8% 83. 5% 7. 1% 8. 5% 0. 3% 0. 6% 81. 9% 5. 2% 9. 9% 2. 0% 1. 0% 74. 6% 11. 3% 11. 5% 2. 0% 0. 6% 92. 6% 3. 5% 2. 3% 1. 5% 0. 2% 77. 8% 8. 2% 11. 7% 1. 6% 0. 7% 67366. 6 87. 8% 4. 1% 4. 3% 2. 3% 1. 6% 82. 1% 6. 9% 8. 8% 1. 6% 0. 6% 2010 77264. 3 52. 7% 19. 8% 24. 6% 2. 8% 0. 0% 38047. 1 52. 0% 11. 7% 8. 1% 28. 3% 0. 0% 788083. 6 80. 1% 9. 8% 9. 9% 0. 3% 0. 0% 94786. 2 81. 7% 8. 6% 8. 2% 1. 5% 0. 0% 152590. 3 67. 3% 17. 1% 14. 2% 1. 4% 0. 0% 147743. 6 90. 7% 4. 6% 3. 0% 1. 7% 0. 0% 620837. 5 75. 2% 10. 6% 12. 4% 1. 8% 0. 0% 70130. 0 86. 6% 7. 4% 4. 8% 1. 3% 0. 0% 76. 7% 10. 6% 10. % 1. 8% 0. 0% 2011 105816. 3 55. 8% 21. 3% 20. 6% 2. 3% 0. 0% 47096. 3 52. 8% 10. 0% 9. 6% 27. 7% 0. 0% 873488. 8 1076629. 3 78. 7% 11. 1% 9. 8% 0. 4% 0. 0% 108082. 5 78. 1% 10. 0% 10. 2% 1. 7% 0. 0% 151266. 2 64. 8% 19. 4% 13. 6% 2. 2% 0. 0% 162870. 4 91. 8% 3. 6% 3. 5% 1. 1% 0. 0% 718674. 5 73. 5% 12. 4% 12. 1% 2. 0% 0. 0% 80391. 3 82. 9% 9. 5% 6. 0% 1. 6% 0. 0% 75. 3% 12. 0% 10. 9% 1. 8% 0. 0% 77. 3% 12. 4% 8. 2% 2. 2% 94913. 2 80. 2% 8. 6% 9. 5% 1. 7% 807579. 3 77. 1% 12. 5% 8. 3% 2. 2% 209934. 4 86. 3% 2. 6% 1. 7% 9. 4% 241900. 3 66. 9% 19. 6% 11. 1% 2. 4% 126163. 1 73. 4% 10. 7% 13. 9% 2. 0% 80. 6% 11. 8% 7. 1% 0. 5% 34392. 3 45. 1% 3. % 3. 2% 48. 2% 2012 117979. 6 65. 4% 19. 2% 13. 0% 2. 4% 284115. 2 327925. 3 508905. 7 674584. 3 183080. 3 163664. 3 140248. 7 107071. 3 97917. 7 142159. 2 120335. 6 141347. 3 209053. 7 230424. 7 391537. 7 511752. 8 152979. 7 138846. 1 474325. 9 505958. 5 706324. 0 988878. 8 1026595. 1 1166214. 1 1380971. 4 12 Table No. 2 Major Indicators of commercialised BANKS Unit 2001 1. rough-cut house servant Product 1 Mid July 2002 459443. 00 413. 00 57. 31 185144. 70 24327. 00 83855. 60 64171. 40 12790. 70 113174. 60 34209. 80 2651. 10 448. 29 7997. 61 274. 03 4888. 75 1. 86 3. 71 34. 44 1. 17 10202. 50 2003 492231. 00 447. 00 54. 14 203879. 30 28862. 50 97238. 0 63287. 60 14490. 30 124522. 40 45386. 30 2867. 70 456. 11 8806. 88 278. 57 5378. 94 10. 12 10. 03 32. 67 8. 44 11814. 60 2004 536749. 00 423 58. 49 233811. 20 33729. 90 114137. 20 65130. 90 20813. 20 140031. 40 49668. 60 2519. 40 552. 75 10099. 84 331. 04 6048. 87 14. 68 12. 45 9. 44 11. 68 14854. 40 2005 589412. 00 422 59. 95 252409. 80 34646. 40 129995. 00 67318. 20 20450. 20 163718. 80 60181. 10 2442. 50 598. 13 10903. 23 387. 96 7072. 09 7. 95 16. 92 21. 17 10. 07 15153. 30 2006 654055. 00 437 59. 18 291245. 50 37386. 50 151639. 40 765 72. 80 25646. 80 176820. 30 82173. 70 4988. 70 666. 47 11515. 46 404. 62 6991. 24 9. 60 3. 03 24. 51 10. 4 16567. 00 2007 727089. 00 470 56. 26 337497. 20 45031. 20 174732. 50 87212. 60 30520. 90 231829. 50 93530. 80 5461. 40 611. 41 13344. 19 419. 98 9166. 23 15. 88 31. 11 13. 82 13. 90 28640. 70 2008 818401. 00 555 48. 70 426080. 30 56089. 30 211452. 00 104772. 50 53766. 50 302913. 40 108954. 80 2772. 90 767. 71 15763. 24 545. 79 11206. 56 26. 25 30. 66 16. 49 20. 13 41208. 20 2009 960011. 00 752 36. 76 563604. 40 71651. 00 259925. 40 141259. 40 90768. 60 398143. 00 130856. 90 2608. 00 749. 47 20390. 90 529. 45 14404. 59 32. 28 31. 44 20. 10 34. 82 56912. 90 2010 1170993. 00 987 28. 37 630880. 84 80606. 2 237709. 33 200058. 50 112506. 81 469279. 4 134041. 09 6268. 50 639. 19 22324. 95 475. 46 16606. 39 11. 94 17. 87 2. 43 41. 62 66877. 97 2011 1345767. 00 1245 21. 38 687587. 89 78982. 9 231094. 43 253586. 40 123924. 18 528023. 14 149557. 36 7807. 70 552. 28 25829. 75 424. 11 19835 . 58 8. 99 12. 52 11. 58 26. 76 83578. 54 2012 1558174. 00 1423 18. 62 867978. 25 93304. 4 304786. 78 298835. 74 171051. 31 622575. 49 181272. 66 6906. 71 609. 96 32760. 69 437. 51 23498. 29 26. 24 17. 91 21. 21 17. 84 92199. 07 Rs. in million In Unit In Thousand Rs. in million Rs. in million Rs. in million Rs. in million Rs. in million Rs. in million Rs. in million Rs. in million Rs. in million Rs. in Unit Rs. n million Rs. in Unit In Percentage In Percentage In Percentage In Percentage Rs. in million 441519. 00 430. 00 53. 84 181767. 00 25100. 70 80988. 40 65322. 30 10355. 60 109121. 20 25446. 50 2909. 70 422. 71 7851. 71 253. 77 4713. 66 17. 31 13. 28 41. 63 14. 39 8230. 20 2. Number of Bank Branches 3. Population per Bank Branches 4. fundamental Deposits A. Current B. Savings C. Fixed D. Others 5. intact Credit 6. perfect Investment 7. Credit to Government Enterprises 8. Average Deposit per Bank Branch 9. Per Capita Deposits 10. Average Credit per Bank Branch 11. Per Capita C redit 12. Deposit Growth 13. Credit Growth 14. Investment Growth 15. Time Deposit Growth 16.Paid up Capital & Reserve Fund 1 Source Nepal Rastra Bank, Research Department (At current prices) 13 Table No. 3 Statement of Assets & Liabilities of COMMERCIAL BANKS (AGGREGATE) (Rs. In million) Mid-July 2006 2007 (17742. 1) (4149. 5) 10571. 7 20017. 1 4841. 7 6586. 0 10. 0 10. 0 (34912. 0) (32800. 2) 1376. 8 1607. 8 369. 7 429. 8 9519. 6 12750. 4 3644. 5 3767. 7 1991. 9 3119. 3 2273. 2 3692. 1 111. 4 1610. 0 2060. 0 291245. 6 337497. 2 37386. 6 45031. 2 32794. 6 39967. 0 4592. 0 5064. 2 151639. 4 174732. 5 145701. 7 168419. 0 5937. 7 6313. 5 76572. 8 87212. 6 63555. 6 72661. 1 13017. 2 14551. 4 22722. 1 26953. 3 2924. 7 3567. 6 599. 6 698. 86580. 7 79854. 6 4513. 5 8064. 9 26097. 4 28485. 1 36083. 1 33659. 7 19886. 7 9644. 6 47230. 1 60737. 6 11272. 7 3249. 1 428706. 2 490638. 1 38842. 1 6306. 6 5908. 6 398. 0 24309. 2 21058. 2 20866. 6 191. 6 1288. 9 1287. 7 1. 2 0. 0 1962. 1 8226. 3 1805 . 5 6420. 8 57539. 1 57464. 7 0. 0 0. 0 74. 4 24634. 7 17515. 0 7119. 7 173383. 4 168394. 7 4988. 7 3353. 8 669. 6 1230. 9 1453. 3 83. 0 21. 2 61. 8 4026. 7 52632. 7 36718. 0 297. 7 36420. 3 4448. 0 1750. 5 513. 6 9202. 6 377. 5 2109. 7 59040. 3 12683. 2 428706. 2 44089. 7 7813. 6 7359. 7 453. 9 28434. 1 23233. 2 23085. 4 147. 9 1545. 4 1511. 9 33. 0 258. 6 3397. 0 7841. 8 2768. 1 5073. 7 64443. 63889. 5 0. 0 0. 0 0. 0 553. 5 29087. 8 21374. 8 7713. 2 228951. 9 218597. 7 4892. 7 5461. 4 2824. 1 500. 4 1060. 3 1263. 3 53. 5 1. 4 52. 1 6077. 7 59145. 6 33444. 3 423. 6 33020. 8 5877. 6 7052. 0 584. 8 12186. 9 350. 0 2633. 5 50313. 4 2667. 8 490638. 1 Liabilities CAPITAL entrepot a. pay Capital b. Calls in advance c. Statutory reserves d. fortune Premium e. Retained Earning f. Others Reserves g. Exchange Fluctuation Fund BORROWINGS a. NRB b. AClass Licensed Institution c. impertinent Banks and Fin. Ins. d. Other Financial Ins. e. Bonds and Securities DEPOSITS a. Current national re mote b. Savings domestic foreign c. Fixed national unknown d.Call Deposits e. Others Bills Payable Other Liabilities 1. assorted Creditors 2. Loan Loss formulation 3. Interest question a/c 4. Others Reconcillation A/c advantage & Loss A/c 2001 8230. 2 5504. 1 1787. 1 2002 10202. 5 6431. 0 2540. 0 260. 9 970. 6 2349. 5 1167. 7 953. 4 228. 5 2003 11814. 6 7726. 0 2820. 0 75. 7 1192. 9 3170. 4 1437. 0 1599. 2 134. 2 2004 (10201. 7) 8350. 0 3385. 0 (25056. 1) 3119. 4 3023. 6 731. 6 1770. 5 521. 4 2005 (19129. 5) 9723. 9 3825. 9 10. 0 (34292. 8) 1062. 5 541. 1 6842. 9 4488. 6 1347. 2 27. 6 979. 6 252409. 8 34646. 4 29196. 3 5450. 0 129995. 0 123899. 0 6095. 9 67318. 2 59053. 9 8264. 3 17681. 7 2768. 5 480. 2 92900. 7 2986. 31419. 2 39070. 5 19424. 9 65319. 8 10104. 8 408928. 8 38369. 4 5137. 3 4763. 8 373. 5 21173. 5 17859. 5 16501. 0 1358. 6 848. 9 835. 2 13. 7 0. 0 2465. 1 12058. 7 1482. 0 10576. 7 50821. 9 47678. 2 100. 4 0. 0 3043. 4 9359. 1 6467. 5 2891. 5 157198. 9 157198. 9 2442. 5 3909. 2 745. 7 1053. 4 2110. 1 168. 2 21. 7 146. 5 3809. 6 50728. 6 38786. 5 161. 9 38624. 6 2427. 5 795. 8 8718. 8 262. 4 1269. 9 75288. 9 17742. 5 408928. 7 2008 9960. 7 31829. 9 7467. 1 347. 4 (31727. 9) 1911. 2 133. 0 14408. 2 2673. 1 4410. 5 4022. 7 426. 2 2875. 7 426080. 3 56089. 3 48226. 3 7863. 0 211452. 0 203810. 7 7641. 3 104772. 5 88824. 5 15948. 0 49417. 4 4349. 2 975. 81303. 1 15198. 9 24730. 6 29554. 2 11819. 3 19151. 2 14856. 8 566736. 0 66875. 4 13010. 3 12651. 6 358. 7 43459. 7 30820. 1 30467. 6 352. 5 7094. 1 6942. 8 151. 3 320. 2 5225. 2 10405. 4 3591. 0 6814. 4 71495. 5 71065. 8 0. 0 17. 0 170. 0 242. 7 37459. 3 18240. 7 19218. 6 302913. 4 288246. 8 11893. 7 2772. 9 3694. 9 931. 4 1381. 8 1381. 7 29. 7 29. 6 0. 0 8101. 2 55347. 5 30046. 4 432. 7 29613. 7 7959. 1 3450. 6 1042. 0 12849. 4 390. 8 2257. 1 7186. 3 10984. 9 566736. 0 2009 30399. 5 40738. 3 9514. 2 298. 4 (27143. 0) 6670. 4 321. 4 18320. 2 2154. 3 8132. 5 4012. 7 520. 7 3500. 0 563604. 5 71651. 0 63927. 8 7723. 2 259925. 4 250353. 9 9571. 141259. 4 110297. 3 30962. 1 84709. 7 6058. 9 1738. 5 87709. 2 17306. 4 23682. 5 27666. 2 19054. 0 95621. 7 14772. 4 812165. 9 105989. 0 15839. 2 15014. 6 824. 6 75438. 8 55539. 2 54348. 6 1190. 7 11505. 6 11462. 2 43. 4 415. 4 7978. 6 14711. 1 8418. 7 6292. 4 69261. 4 68902. 0 0. 0 17. 0 70. 0 272. 4 61595. 5 33293. 2 28302. 3 398143. 0 387543. 3 7991. 7 2608. 0 3745. 7 1308. 0 1560. 5 877. 3 17. 9 17. 8 0. 1 11004. 8 59152. 5 28776. 5 429. 2 28347. 2 8978. 3 4339. 7 993. 7 16064. 4 475. 2 1889. 1 93915. 3 6976. 4 812165. 9 939. 0 2308. 7 411. 8 1896. 9 0. 0 181767. 0 25100. 7 185144. 7 24327. 0 203879. 3 28862. 5 233811. 2 33729. 9 80988. 4 83855. 97238. 9 114137. 2 65322. 3 64171. 4 63287. 6 65130. 9 7691. 8 2663. 8 59221. 3 10531. 9 2258. 8 77221. 2 12027. 9 2462. 4 86697. 4 18061. 1 2752. 1 113183. 6 59221. 3 77221. 2 86697. 4 113183. 6 Total Assets LIQUID FUNDS a. Cash Balance Nepalese Notes & Coins outside money b. Bank Balance 1. In Nepal Rastra Bank Domestic capital irrelevant gold 2. AClass Licensed Institution Domestic Currency contradictory Currency 3. Other Financial Ins. 4. In Foreign banks c. Money at Call Domestic Currency Foreign Currency INVESTMENTS a. Govt. Securities b. NRB Bond c. Govt. Non-Fin. Ins. d. Other Non-Fin Ins. e Non Residents SHARE & OTHER INVESTMENT a.Interbank loaning b. Non Residents c. Others LOANS & ADVANCES a. Private Sector b. Financial Institutions c. Government Organizations BILL PURCHED a. Domestic Bills Purchased b. Foreign Bills Purchased c. deduction Bills & Imports LOANS AGAINST COLLECTED BILLS a. Against Domestic Bills b. Against Foreign Bills 251527. 2 55583. 3 4775. 1 4116. 9 658. 2 37230. 9 21440. 9 274917. 9 49937. 2 5494. 8 4881. 1 613. 8 31115. 2 23170. 3 305561. 7 38163. 6 5440. 4 4735. 9 704. 5 21334. 4 16867. 6 339816. 7 46252. 8 4719. 3 4283. 8 435. 5 26579. 7 22728. 2 2010 40719. 8 46630. 4 260. 4 12146. 3 303. 5 (26722. 0) 7414. 6 686. 7 19783. 9 67 52. 6 4816. 8 1933. 3 2553. 4 3727. 630880. 8 80606. 2 69758. 6 10847. 6 237709. 3 232482. 4 5226. 9 200058. 5 172137. 7 27920. 8 105687. 2 6819. 7 1226. 0 77413. 0 10050. 4 21631. 8 24101. 3 21629. 5 1234. 6 16042. 8 787300. 9 102749. 0 17573. 1 17137. 2 435. 9 69551. 5 49542. 7 48933. 2 609. 5 8460. 4 8415. 1 45. 3 1333. 7 10214. 7 15624. 4 8296. 2 7328. 1 81343. 8 79079. 6 1386. 8 8. 5 382. 3 486. 7 52697. 3 35917. 0 16780. 3 467107. 2 453049. 0 11270. 6 2787. 6 2172. 6 662. 0 742. 8 767. 8 98. 6 71. 4 27. 3 13896. 1 60702. 9 25188. 4 170. 3 25018. 1 10127. 5 5946. 9 279. 6 19160. 5 458. 8 1616. 6 4457. 9 0. 0 787300. 9 2011 59064. 4 58294. 9 0. 0 14925. 9 317. 1 (24831. 2) 9612. 745. 3 24852. 8 10226. 1 6321. 0 1868. 1 379. 9 6057. 8 687587. 9 78982. 9 68644. 3 10338. 5 231094. 4 225420. 6 5673. 8 253586. 4 223579. 9 30006. 5 116624. 7 7299. 5 942. 9 84386. 3 13044. 3 21340. 1 23249. 4 26752. 5 5931. 6 15598. 5 878364. 5 98071. 7 20265. 2 19765. 0 500. 3 63293. 3 48727. 4 48274. 9 452. 4 3826. 0 3497. 3 328. 7 284. 6 10455. 2 14513. 2 6047. 6 8465. 6 102655. 9 100267. 3 1687. 7 58. 5 332. 3 310. 1 46901. 4 35002. 2 11899. 3 522853. 3 503339. 4 13362. 3 6151. 5 5073. 8 1663. 5 1728. 3 1682. 1 96. 0 74. 1 21. 8 16098. 8 66675. 1 24341. 4 896. 7 125. 8 23318. 9 12063. 3 9681. 6 200. 3 20388. 5 600. 7 1376. 6 17961. 1 0. 878364. 5 2012 77142. 6 65983. 3 4325. 3 18708. 7 213. 3 (19595. 1) 6742. 9 764. 1 15507. 2 4286. 7 1970. 7 2175. 8 146. 2 6927. 8 867978. 3 93304. 4 83148. 3 10156. 1 304786. 8 298957. 4 5829. 3 298835. 7 264970. 6 33865. 1 161784. 1 9267. 2 1599. 4 92665. 2 15909. 0 22094. 0 19491. 9 35170. 4 (3672. 9) 15876. 8 1067096. 6 161785. 5 26026. 9 25398. 0 628. 9 127706. 2 110572. 6 109814. 5 758. 1 6784. 5 6101. 5 683. 0 187. 7 10161. 4 8052. 4 2865. 4 5187. 0 131017. 9 127213. 0 3030. 3 270. 8 120. 0 383. 8 50254. 8 1948. 9 1. 8 48304. 2 612322. 6 577113. 2 28302. 7 6906. 7 9607. 0 3165. 4 3466. 1 2975. 4 645. 9 593. 5 52. 4 19818. 7 76147. 9 207 90. 282. 9 620. 6 19886. 8 14554. 3 15511. 3 364. 1 24927. 9 447. 8 1638. 5 3410. 1 0. 0 1067096. 6 796. 1 928. 2 683. 7 1825. 1 14993. 9 13577. 3 7016. 7 13327. 3 3783. 1 11388. 8 2026. 4 14953. 8 25100. 9 25100. 9 28573. 8 28573. 8 39045. 5 39045. 5 42384. 3 42384. 3 345. 6 5636. 0 6340. 8 7284. 3 107118. 9 104209. 3 2909. 6 1887. 2 1887. 2 115. 0 115. 0 61376. 3 19888. 5 334. 3 19554. 2 111694. 4 109043. 3 2651. 1 1322. 2 1322. 2 158. 0 158. 0 77596. 3 23742. 8 308. 2 23434. 6 123211. 1 120343. 4 2867. 7 1143. 8 1143. 8 167. 5 167. 5 97489. 4 27722. 2 297. 8 27424. 4 138922. 9 136403. 5 2519. 4 1050. 4 1050. 4 58. 2 58. 2 103863. 8 34458. 5 180. 34278. 2 frosty ASSETS OTHER ASSETS a. accrued Interests Financial Institutions Govt. Entp. Private Sector b. Staff Loans / Adv. c. Sundry Debtors d. Cash In Transit e. Others Expenses not Written off Non Banking Assets Reconcillation Account Profit & Loss A/c 41487. 8 53853. 5 69767. 2 69405. 3 Total 251527. 2 274917. 9 305561. 7 339816 . 7 14 Table No. 4 Some Ratios of COMMERCIAL BANKS Mid July 2007 2001 A. gross domestic product, DEPOSITS, consultation & INVESTMENT 1. Deposit / GDP 2. Credit / GDP 3. Investment / GDP 4. Credit & Investment / GDP 5. Time Deposit / GDP 6. Current Deposit / GDP 7. Credit / Deposit 8. Investment / Deposit 9. Credit & Investment / Deposit 10.Fixed Deposit / Total Deposit 11. Current Deposit / Total Deposit 12. Credit to Govt. Entp. / Credit 13. Credit to Pvt. Sector / Total Credit B. LIQUIDITY 1. NRB Balance / Deposit 2. Vault / Deposit 3. Liquid Fund / Deposit C. CAPITAL ADEQUACY 1. 2. 3. 4. Capital Fund / Total Deposit Capital Fund/ Total Credit Capital Fund / Total Assets Capital Fund / endangerment weighted Assets 4. 53 7. 54 3. 27 (5. 49) 12. 51 2. 79 32. 43 44. 25 26. 56 6. 19 32. 76 35. 62 8. 63 60. 03 14. 00 74. 03 35. 94 19. 51 2. 67 97. 33 2002 2003 2004 2005 2006 2008 2009 2010 2011 2012 43. 85 26. 80 8. 10 34. 91 35. 06 8. 79 61. 13 18. 48 79. 60 34. 66 20. 05 2. 34 97. 66 41. 2 25. 30 9. 22 34. 52 32. 61 5. 86 61. 08 22. 26 83. 34 31. 04 14. 16 2. 30 97. 70 43. 56 26. 09 9. 25 35. 34 33. 40 6. 28 59. 89 21. 24 81. 13 27. 86 14. 43 1. 80 98. 20 42. 82 27. 78 10. 21 37. 99 33. 48 5. 88 64. 86 23. 84 88. 70 26. 67 13. 73 1. 49 98. 51 44. 53 27. 03 12. 56 39. 60 34. 89 5. 72 60. 71 28. 21 88. 93 26. 29 12. 84 2. 82 97. 18 46. 91 32. 22 13. 00 45. 22 36. 41 6. 26 68. 69 27. 71 96. 40 25. 84 13. 34 2. 36 95. 53 51. 91 36. 90 13. 27 50. 18 38. 53 6. 83 71. 09 25. 57 96. 66 25. 06 13. 16 0. 66 95. 16 58. 71 41. 47 13. 63 55. 10 14. 71 7. 46 70. 64 23. 22 93. 86 25. 06 12. 71 0. 66 99. 34 53. 88 39. 89 11. 45 51. 34 17. 08 6. 8 74. 04 21. 25 95. 29 31. 71 12. 78 1. 34 98. 66 51. 09 39. 24 3. 49 42. 72 18. 84 5. 87 76. 79 6. 82 83. 61 36. 88 14. 96 1. 47 98. 53 55. 70 39. 96 11. 63 51. 59 19. 18 5. 99 71. 73 20. 88 92. 61 34. 43 10. 75 1. 13 98. 87 13. 44 3. 19 28. 97 8. 91 2. 87 20. 15 9. 72 1. 83 19. 78 7. 08 1. 89 15. 20 7. 23 2. 17 13. 34 6. 88 2. 32 13 . 06 7. 23 2. 97 15. 70 9. 85 2. 81 18. 81 7. 85 2. 79 16. 29 7. 09 2. 95 14. 26 12. 74 3. 00 18. 64 5. 51 9. 01 3. 71 (9. 88) 5. 79 9. 49 3. 87 (12. 04) (4. 36) (7. 29) (3. 00) (9. 07) (7. 58) (10. 82) (4. 65) (6. 33) (6. 09) (10. 03) (4. 14) (5. 30) (1. 23) (1. 79) (0. 85) (1. 71) 2. 34 3. 29 1. 76 4. 04 5. 39 7. 4 3. 74 7. 22 7. 39 9. 98 5. 92 6. 58 8. 59 11. 19 6. 72 10. 59 11. 15 12. 39 7. 23 11. 50 15 Table No. 5 Capital Fund to Risk Weighted Assets of COMMERCIAL BANKS Mid-July 2003 Mid-July 2004 Mid-July 2005 Mid-January 2006 Mid-July 2006 Mid-July 2007 Mid-July 2008 Mid-July 2009 Mid-July 2010 (Rs. in million) Mid-July 2011 Capital Fund to Risk Weighted Assets (%) Mid-July 2012 Capital Fund to Risk Weighted Assets (%) (5. 46) (9. 35) 12. 71 11. 82 16. 28 11. 90 11. 37 11. 86 11. 08 12. 58 11. 81 12. 85 23. 55 14. 60 13. 27 11. 81 11. 47 18. 25 12. 47 15. 54 14. 85 16. 81 12. 75 18. 38 14. 65 12. 53 24. 39 19. 11 20. 80 14. 19 23. 06 21. 81 443. 5 Banks Capital Capital Capita l Capital Capital Capital Fund to Fund to Fund to Fund to Fund to Fund to Risk Risk Risk Capital Fund Risk Risk Risk Capital Fund Capital Fund Capital Fund Capital Fund Capital Fund Weighte Weighte Weighte (In Million) Weighte Weighte Weighte d Assets d Assets d Assets d Assets d Assets d Assets (%) (%) (%) ( In %) (%) (%) (9449. 14) (21998. 92) 1455. 09 698. 24 1464. 85 1604. 21 686. 28 843. 26 703. 74 658. 31 269. 65 594. 51 361. 77 517. 87 390. 91 334. 58 355. 01 (28. 25) (44. 28) 13. 05 8. 85 14. 21 11. 03 13. 78 8. 11 12. 33 12. 05 6. 51 18. 87 11. 37 24. 75 15. 46 38. 56 41. 85 (8806. 67) (21009. 57) 1609. 2 1099. 38 1560. 16 1790. 57 671. 41 743. 80 766. 88 704. 86 223. 23 656. 36 337. 08 579. 38 570. 15 574. 56 383. 29 (24. 97) (42. 12) 13. 56 11. 18 15. 99 10. 62 10. 25 5. 61 11. 07 11. 18 3. 42 13. 75 8. 71 17. 82 12. 81 29. 13 19. 36 (7514. 79) (20288. 80) 1766. 07 1579. 21 1664. 36 2034. 01 744. 88 386. 64 1247. 56 777. 45 404. 79 730. 99 274. 13 688. 84 701. 50 639. 44 413. 43 (19. 54) (40. 54) 12. 44 11. 58 16. 36 11. 10 9. 47 3. 02 13. 57 11. 22 5. 51 13. 29 6. 35 11. 36 11. 15 20. 72 13. 93 (7072. 25) (19693. 87) 1828. 89 1366. 69 1922. 27 2056. 96 897. 39 291. 67 934. 97 785. 65 269. 60 722. 35 88. 17 678. 32 739. 70 655. 09 562. 10 (30. 7) (59. 89) 12. 73 11. 30 19. 67 11. 26 12. 61 3. 10 12. 33 14. 37 5. 11 12. 10 3. 26 10. 61 10. 51 15. 84 15. 85 (5008. 40) (17865. 29) 2567. 79 2246. 10 2344. 60 2588. 90 1348. 08 835. 76 1414. 79 1216. 70 383. 77 1037. 50 (648. 20) 987. 90 961. 65 695. 40 641. 00 (29. 67) (50. 30) 15. 08 12. 36 19. 13 13. 10 15. 01 6. 70 12. 86 15. 71 5. 22 13. 62 (13. 29) 12. 98 12. 64 14. 18 14. 83 (6334. 74) (17265. 78) 2307. 63 2851. 62 2225. 28 2651. 37 1444. 80 (2707. 44) 1676. 12 1265. 83 (574. 91) 1208. 61 (435. 81) 1110. 67 1115. 21 921. 93 863. 82 1753. 24 487. 34 565. 12 (32. 47) (48. 45) 12. 04 12. 17 15. 71 12. 11 13. 29 (23. 55) 11. 19 12. 38 (9. 3) 12. 20 (7. 80) 12. 07 11. 20 12. 43 11. 84 4. 19 14. 69 21. 4 3 Capital Fund Capital Capital Capital Fund to Fund to Fund to Risk Risk Capital Fund Capital Fund Risk Weighted Weighted Weighted Assets Assets (%) Assets (%) (%) (22. 60) (44. 17) 11. 91 11. 31 16. 80 12. 50 12. 54 (16. 49) 11. 34 11. 47 11. 22 12. 96 5. 99 11. 30 14. 96 11. 16 11. 20 14. 93 11. 66 11. 80 13. 28 21. 30 14. 16 28. 23 36. 25 (5404. 00) (13823. 20) 4065. 20 5538. 10 3190. 40 3980. 70 2048. 40 855. 60 2875. 90 2067. 70 992. 00 1963. 70 998. 40 1776. 60 2060. 80 1721. 60 1630. 70 11206. 60 1054. 70 1116. 10 1131. 90 1143. 00 1493. 70 1929. 80 1642. 80 (14. 85) (37. 0) 11. 71 12. 10 14. 70 11. 31 12. 18 6. 62 11. 04 11. 91 10. 93 14. 60 17. 78 11. 61 11. 57 11. 49 10. 45 15. 79 9. 53 11. 65 10. 35 12. 45 13. 36 21. 02 20. 14 (4851. 80) (8617. 08) 3129. 41 3765. 16 3053. 00 3119. 88 2141. 89 1112. 24 2203. 62 1741. 60 1099. 00 1660. 25 1151. 52 1700. 20 1624. 51 1795. 60 1492. 79 8976. 24 1522. 28 1308. 27 1329. 21 1534. 98 1582. 12 1883. 79 1816. 05 2045. 10 1400. 00 Ca pital Fund Capital Fund 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 Nepal Bank Limited Rastriya Banijya Bank NABIL Bank Limited Nepal Investment Bank Limited Standard Chartered Bank Nepal Limited.Himalayan Bank Limited Nepal SBI Bank Limited Nepal Bangladesh Bank Limited Everest Bank Limited Bank of Kathmandu Limited Nepal Credit and Commerce Bank Limited Nepal Industrial & Commercial Bank Limited Lumbini Bank Limited Machhapuchhre Bank Limited Kumari Bank Limited Laxmi Bank Limited Siddhartha Bank Limited Agriculture Development Bank Ltd. Global Bank Ltd Citizens Bank International Ltd. Prime Commercial Bank Ltd Bank of Asia Nepal Ltd. Sunrise Bank Ltd. Development Credit Bank Ltd. NMB Bank Ltd. Kist Bank Ltd. Janata Bank Nepal Limited Mega Bank Nepal Limited Commerz and impudence Bank Nepal Limited Civil Bank Limited Century Commercial Bank Limited Sanima Bank Limited Total (5744. 60) (17162. 60) 3207. 70 3898. 50 3115. 40 3348. 00 1726. 00 (2151. 40) 2387. 13 1635. 16 734. 10 1626. 90 366. 90 1264. 17 1898. 80 1213. 24 1178. 00 6661. 59 767. 1 668. 00 776. 41 732. 10 707. 89 1318. 80 1286. 50 (11. 17) (4607. 70) (24. 08) (7422. 94) 11. 61 11. 69 17. 78 11. 02 14. 14 12. 87 10. 56 11. 45 14. 25 15. 30 24. 62 11. 18 13. 80 14. 99 10. 73 18. 05 11. 36 11. 28 11. 68 14. 86 11. 74 24. 03 20. 68 14. 83 67. 81 3835. 70 4585. 39 3371. 62 3439. 22 2508. 19 1845. 66 2759. 14 2071. 36 1523. 30 17649. 53 1442. 28 1773. 51 1966. 16 1912. 81 1877. 69 10903. 50 1563. 31 2144. 29 2410. 48 2091. 93 2182. 42 2032. 97 2169. 96 2089. 52 1446. 17 1682. 61 1400. 00 1200. 00 1100. 95 (9. 66) (3008. 00) (22. 52) (4738. 00) 11. 75 12. 09 17. 38 11. 45 11. 84 10. 53 10. 43 11. 62 13. 58 24. 49 14. 68 10. 86 14. 5 13. 21 11. 75 19. 95 11. 20 15. 57 16. 34 17. 41 14. 68 21. 23 17. 80 14. 49 36. 44 19. 33 28. 77 21. 28 42. 08 464. 49 6921. 00 7397. 00 5019. 00 5700. 76 3999. 00 2323. 00 4643. 10 3240. 64 1923. 00 2643. 00 2112. 00 2789. 00 27 60. 00 2649. 55 3022. 00 16324. 00 3386. 00 2571. 03 3018. 74 2494. 08 2409. 00 2413. 00 2289. 00 2359. 99 2210. 82 1862. 00 1495. 00 1306. 00 1200. 00 2334. 00 97068. 72 (20509. 78) (12. 04) (17545. 71) (9. 07) (13750. 28) (6. 33) (12966. 30) (4. 72) (4251. 95) (5. 30) (4870. 10) (1. 71) 15460. 31 235. 00 37257. 20 241. 74 40719. 83 377. 06 74949. 02 16 Table No. 6 Non Performing Loan Status of Commercial Banks (Rs. n million) 2003 Banks Total down-to-earth Loan NPL NPL to Total rough Loan (%) 2004 Total crude(a) Loan 17937. 66 NPL NPL to Total Gross Total Loan Gross Loan (%) 2005 NPL NPL to Total Gross Total Loan Gross Loan (%) Mid July 2006 NPL NPL to Total Gross Total Loan Gross Loan (%) 2007 NPL NPL to Total Gross Total Loan Gross Loan (%) 2008 NPL NPL to Total Gross Loan (%) 2009 Total Gross Loan NPL NPL to Total Gross Loan (%) 2010 Total Gross Loan NPL NPL to Total Gross Total Loan Gross Loan (%) 2011 NPL NPL to Total Gross Loan (%) Total Gross Loan 2012 NPL NPL to Total Gross Loan (%) 5. 83 7. 27 2. 26 1. 98 0. 74 2. 06 0. 54 4. 29 0. 84 2. 30 2. 80 0. 73 0. 47 2. 69 2. 4 0. 62 2. 25 6. 35 1. 55 2. 01 0. 47 3. 22 3. 03 1. 25 2. 45 4. 90 0. 00 0. 49 0. 00 0. 00 0. 00 1 2 3 4 5 6 7 8 9 Nepal Bank Limited Rastriya Banijya Bank NABIL Bank Limited Nepal Investment Bank Limited Standard Chartered Bank Nepal Limited. Himalayan Bank Limited Nepal SBI Bank Limited Nepal Bangladesh Bank Limited Everest Bank Limited 18132. 33 10964. 91 26608. 83 16005. 32 8113. 68 5921. 79 6000. 16 10844. 60 4795. 84 7961. 51 5049. 58 4856. 03 3396. 41 2562. 86 2622. 36 1495. 86 2137. 59 775. 94 629. 03 449. 63 117. 09 247. 95 1092. 84 426. 90 1013. 28 111. 19 420. 87 700. 83 170. 69 306. 77 31. 10 36. 32 0. 00 0. 00 60. 47 60. 15 5. 54 1. 8 4. 13 10. 08 8. 90 12. 73 2. 20 8. 67 20. 63 6. 66 11. 70 2. 08 1. 70 0. 00 0. 00 9640. 08 53. 74 57. 64 3. 35 2. 47 3. 77 8. 88 6. 25 10. 81 1. 72 6. 66 12. 72 3. 92 7. 36 0. 98 0. 76 0. 00 1. 61 16866. 50 8372. 00 49. 64 50. 70 1. 32 2. 69 2. 69 7. 44 6. 54 19. 04 1. 63 4. 99 8. 64 3. 78 15. 23 0. 39 0. 95 1. 63 2. 58 12441. 59 23100. 87 13278. 78 13171. 54 9206. 28 15761. 97 8241. 45 9796. 38 10136. 25 7488. 70 5899. 16 6902. 10 4321. 58 6146. 57 7007. 78 4279. 80 3869. 27 33310. 75 2262. 18 8045. 50 182. 60 272. 49 195. 90 1040. 75 505. 30 2927. 00 129. 20 203. 60 1289. 90 179. 55 1339. 20 16. 92 64. 35 33. 50 33. 57 6858. 99 18. 18 34. 3 1. 38 2. 07 2. 13 6. 60 6. 13 29. 88 1. 27 2. 72 21. 87 2. 60 30. 99 0. 28 0. 92 0. 78 0. 87 20. 59 13756. 60 24871. 36 15903. 00 17769. 00 10790. 10 17793. 70 10065. 00 9169. 40 14082. 68 9694. 00 5122. 20 9128. 70 4944. 60 7319. 90 9062. 50 6529. 20 6319. 90 34440. 37 2601. 70 1856. 00 6876. 50 178. 30 421. 97 197. 10 641. 60 45. 80 3645. 90 113. 17 243. 29 1606. 87 1001. 10 1007. 00 85. 16 66. 20 23. 10 21. 50 6185. 29 0. 00 13. 49 27. 65 1. 12 2. 37 1. 83 3. 61 4. 56 39. 76 0. 80 2. 51 31. 37 1. 11 20. 37 1. 16 0. 73 0. 35 0. 34 17. 96 0. 00 15770. 70 27494. 60 21769. 80 27 529. 30 13964. 40 20233. 90 12742. 60 9469. 60 18836. 40 12747. 0 5281. 00 11465. 46 5367. 40 8969. 80 11530. 80 9794. 40 9481. 20 36585. 40 5134. 07 4798. 30 5156. 00 2755. 30 4057. 69 3692. 54 2009. 9 1410. 80 5951. 80 171. 40 309. 40 128. 70 475. 80 464. 90 2945. 30 121. 00 223. 80 864. 00 98. 30 798. 20 92. 90 156. 00 12. 70 57. 00 4256. 20 0. 00 0. 00 0. 00 0. 00 0. 00 79. 80 8. 95 21. 65 0. 79 1. 12 0. 92 2. 35 3. 65 31. 10 0. 64 1. 76 16. 36 0. 86 14. 87 1. 04 1. 35 0. 13 0. 60 11. 63 0. 00 0. 00 0. 00 0. 00 0. 00 2. 16 19482. 25 31606. 96 27589. 93 36827. 16 13679. 76 25519. 14 15131. 75 7025. 65 24469. 56 14945. 72 7183. 68 13679. 39 5681. 39 12467. 19 14593. 57 13463. 35 13330. 80 32566. 53 9063. 9 8128. 11 9732. 59 7635. 76 8963. 62 6353. 98 1151. 40 4955. 97 220. 72 301. 98 90. 29 551. 21 305. 66 1355. 95 117. 45 189. 81 196. 83 123. 11 514. 73 342. 85 62. 75 6. 73 59. 99 2875. 62 8. 52 0. 00 0. 00 0. 76 13. 89 102. 93 5. 91 15. 68 0. 80 0. 82 0. 66 2. 16 2. 02 19. 30 0. 48 1. 27 2. 74 0. 90 9. 06 2. 75 0. 43 0. 05 0. 45 8. 83 0. 09 0. 00 0. 00 0. 01 0. 16 1. 62 0. 49 25086. 80 35692. 51 33030. 93 40948. 44 16176. 65 29123. 76 18023. 36 9119. 03 28156. 40 17113. 33 8387. 77 12929. 30 5272. 30 14972. 07 14938. 51 14736. 41 16895. 41 39375. 27 12163. 64 10924. 88 14102. 43 11229. 90 12235. 68 7500. 48 7931. 13 573. 20 4085. 02 45. 58 2. 8 11. 45 0. 14 0. 46 0. 54 3. 16 1. 47 1. 77 0. 16 1. 18 2. 71 0. 56 4. 66 1. 78 0. 40 0. 12 0. 42 8. 22 0. 61 0. 04 0. 21 0. 10 1. 34 1. 19 26709. 90 36866. 10 38922. 74 41887. 69 18662. 48 32968. 27 21718. 79 10237. 46 31661. 84 17956. 95 9229. 80 15165. 52 6213. 15 14732. 06 14926. 38 15389. 51 18647. 20 40389. 35 12779. 18 12514. 23 17083. 90 11873. 20 12434. 38 9043. 46 11343. 09 13437. 00 3584. 31 4816. 46 2486. 29 3155. 16 1187. 30 1410. 73 4024. 64 689. 85 245. 63 115. 80 1293. 38 245. 53 1963. 56 108. 40 326. 33 363. 40 90. 36 59. 73 660. 73 167. 90 138. 84 109. 57 3491. 50 321. 78 146. 18 81. 19 76. 62 427. 64 148. 55 30. 16 133. 60 . 28 10. 92 1. 77 0. 59 0. 62 3. 92 1. 13 19. 18 0. 34 1. 82 3. 94 0. 60 0. 96 4. 48 1. 12 0. 90 0. 59 8. 64 2. 52 1. 17 0. 48 0. 65 3. 44 1. 64 0. 27 0. 99 0. 00 0. 00 0. 00 0. 00 0. 00 3. 20 29698. 86 40448. 44 42867. 78 42912. 08 19828. 51 35968. 62 26463. 67 10943. 16 36616. 83 19319. 14 12900. 60 17523. 19 6979. 19 16105. 66 17877. 54 16697. 06 20607. 30 45337. 64 20764. 49 14415. 39 19315. 41 12519. 13 14823. 53 11426. 71 12468. 48 14966. 53 7461. 29 8047. 82 5599. 15 7829. 82 4202. 19 612935. 20 1731. 63 2940. 36 969. 34 850. 42 147. 31 740. 64 143. 85 469. 38 307. 49 443. 39 361. 56 128. 55 32. 86 433. 17 399. 96 103. 70 463. 85 2880. 3 322. 77 289. 55 91. 06 402. 85 449. 26 142. 43 305. 85 734. 05 0. 00 39. 30 0. 00 0. 00 0. 00 16325. 23 25105. 68 14470. 52 8548. 66 7338. 57 6693. 86 12919. 63 5531. 83 9644. 70 6095. 84 6008. 31 4717. 30 3743. 09 3222. 75 2540. 79 3697. 99 1750. 93 1567. 83 286. 68 181. 44 252. 20 1147. 46 345. 82 1042. 18 104. 76 399. 94 600. 05 146. 59 237. 30 24. 98 28. 19 0. 00 25. 22 27000. 90 13689. 30 10946. 74 10453. 16 8420. 87 13451. 17 6739. 35 9626. 91 7900. 09 6182. 05 6011. 90 4909. 36 3685. 13 5130. 22 5681. 01 2726. 14 2634. 93 144. 51 280. 87 226. 31 1001. 35 441. 02 1832. 94 128. 81 308. 51 519. 26 185. 43 561. 13 19. 86 53. 99 44. 49 67. 93 89. 82 87. 17 920. 29 264. 94 161. 50 43. 71 202. 08 227. 72 72. 40 245. 87 266. 27 60. 14 17. 73 70. 57 3235. 90 74. 47 4. 37 29. 97 11. 56 163. 60 89. 53 10 Bank of Kathmandu Limited 11 Nepal Credit and Commerce Bank Ltd 12 Nepal Industrial & Commercial Bank Ltd 13 Lumbini Bank Limited 14 Machhapuchhre Bank Limited 15 Kumari Bank Limited 16 Laxmi Bank Limited 17 Siddhartha Bank Limited 18 Agriculture Development Bank Ltd. 19 Global Bank Ltd. 20 Citizens Bank International Ltd. 21 Prime Commercial Bank Ltd 22 Bank of Asia Nepal Ltd. 23 Sunrise Bank Ltd. 24 Development Credit Bank Ltd. 25 NMB Bank Ltd. 26 Kist Bank Ltd. 27 Janata Bank Nepal Ltd. 8 Mega B ank Nepal Limited 29 Commerz and Trust Bank Nepal Limited 30 Civil Bank Limited 31 Century Commercial Bank Limited Total 30. 5 1. 517488432 5194. 211 25. 45163 0 0 0 0 55. 83 0. 70394 24. 1 0. 19301 0 0 0 12486. 117 0 608. 3301 111904. 40 32095. 69 28. 68 127065. 40 28933. 41 22. 77 148366. 43 27877. 70 18. 79 194360. 82 25580. 50 13. 16 229363. 91 24215. 85 10. 56 306638. 36 18648. 50 6. 08 384315. 13 13574. 64 3. 53 469160. 83 11223. 34 2. 39 528023. 14 16871. 58 2. 66 17 Table No. 7 Statement of Assets & Liabilities of NEPAL BANK LTD. (Rs. In million) Mid-July Liabilities 1 CAPITAL FUND a. Paid-up Capital b. Calls in advance c Statutory Reserves d. Share Premium e. Retained Earning f. Others Reserves g. Exchange Fluctuation Fund 2 BORROWINGS a. NRB b. AClass Licensed Institution c. Foreign Banks and Fin. Ins. d. Other Financial Ins. e. Bonds and Securities 3 DEPOSITS a. Current Domestic Foreign b. Savings Domestic Foreign c. Fixed Domestic Foreign d. Call Deposits e. Others 4 Bil ls Payable 5 Other Liabilities 1. Sundry Creditors 2. Loan Loss Provision 3. Interest Suspense a/c 4. Others 6 Reconcillation A/c 7 Profit & Loss A/c 2001 1125. 7 380. 4 544. 6 2002 1349. 5 380. 4 544. 6 2003 1449. 1 380. 4 557. 2 2004 1064. 3 380. 4 557. 2 2005 2006 2007 2008 2009 (10347. 5) (10066. 5) (6056. 7) (5399. 8) (4958. 8) 380. 4 380. 4 380. 4 380. 4 380. 4 699. 3 1045. 3 1286. 8 1332. 2 0. 0 0. 0 0. 0 (11672. ) (11672. 7) (7877. 3) (7306. 4) 127. 4 180. 5 127. 7 193. 9 118. 1 0. 0 25. 7 0. 0 1124. 9 1717. 4 1604. 9 1820. 1 1124. 5 1717. 4 1604. 9 1820. 1 0. 3 0. 0 0. 0 0. 0 0. 0 0. 0 0. 0 0. 0 0. 1 0. 0 0. 0 0. 0 0. 0 34744. 2 35444. 9 38715. 2 41451. 7 5714. 4 6030. 5 6761. 5 7799. 1 5522. 7 5873. 6 6605. 7 7639. 1 191. 8 156. 9 155. 8 160. 0 22671. 8 23547. 9 26425. 4 28545. 1 22665. 5 23538. 9 26412. 9 28530. 9 6. 3 9. 0 12. 5 14. 1 6269. 3 5790. 9 5393. 2 4757. 9 6263. 3 5784. 5 5387. 6 4752. 0 5. 9 6. 4 5. 6 6. 0 2. 8 0. 0 250. 0 86. 0 75. 6 135. 1 99. 6 169. 2 76. 1 92. 4 35. 9 36401. 0 23575. 4 10265. 5 9718. 7 814. 5 1641. 5 2362. 0 2556. 9249. 9 3269. 6 2376. 3 2141. 8 13629. 7 6456. 8 5090. 4 4510. 5 12707. 0 12207. 5 436. 8 510. 1 1768. 0 1056. 0 3085. 8 2033. 4 1399. 5 2329. 7 65259. 2 5886. 2 1020. 7 942. 5 78. 2 4315. 5 3793. 6 2626. 6 1167. 0 183. 8 183. 8 0. 0 0. 0 338. 1 550. 0 550. 0 13838. 6 11278. 0 0. 0 0. 0 0. 0 2560. 6 51. 2 0. 0 51. 2 17456. 0 16883. 7 572. 3 1073. 3 22. 6 21. 2 1029. 5 1. 3 1. 3 208. 9 15731. 5 12950. 6 161. 9 12788. 7 322. 4 147. 1 2311. 4 122. 3 169. 3 388. 4 10332. 2 65259. 2 54133. 0 5517. 4 1116. 5 1048. 4 68. 1 4400. 9 3702. 9 3702. 2 0. 7 291. 8 291. 8 0. 0 0. 0 406. 2 0. 0 0. 0 11776. 9 11776. 9 0. 0 0. 0 0. 0 0. 0 2644. 5 2597. 2 47. 12180. 4 11414. 9 765. 5 610. 7 1. 6 15. 3 593. 8 0. 0 0. 0 210. 6 10504. 9 6456. 0 128. 3 6327. 7 1314. 2 254. 9 513. 6 1966. 2 128. 0 798. 2 737. 4 9024. 0 54133. 0 47707. 1 7003. 6 1084. 9 1012. 9 72. 0 5918. 7 5112. 8 5125. 8 (13. 0) 327. 6 320. 0 7. 6 478. 3 0. 0 4 9660. 0 5055. 2 1180. 5 1120. 2 60. 3 3874. 7 2868. 8 2868. 8 0. 0 316. 4 316. 4 0. 0 0. 0 689. 5 0. 0 0. 0 0. 0 12918. 4 12918. 4 0. 0 0. 0 0. 0 0. 0 3733. 5 2426. 9 1306. 6 15480. 6 14809. 8 274. 8 396. 1 290. 1 7. 9 6. 1 276. 2 0. 0 0. 0 0. 0 229. 4 9382. 5 4510. 6 273. 2 4237. 4 1579. 9 131. 4 544. 8 2615. 7 90. 2 702. 6 1777. 5 49660. 0 1380. 0 0. 0 (6976. 4) 206. 2 51. 0 1970. 1970. 7 0. 0 0. 0 0. 0 0. 0 44346. 1 9572. 1 9382. 8 189. 3 31079. 7 31074. 0 5. 7 3579. 4 3572. 6 6. 8 0. 0 115. 0 56. 9 10191. 6 3273. 2 2188. 6 4046. 0 683. 8 3002. 2 54608. 8 9454. 8 1498. 6 1469. 1 29. 5 7556. 1 6519. 7 6487. 1 32. 6 452. 3 452. 3 0. 0 0. 0 584. 1 400. 0 400. 0 0. 0 10597. 9 10597. 9 0. 0 0. 0 0. 0 0. 0 2881. 1 2249. 0 632. 1 19261. 0 18208. 9 391. 3 660. 8 221. 2 9. 3 6. 6 205. 3 0. 0 200. 7 266. 2 264. 8 1. 4 0. 0 424. 6 215. 0 213. 7 1. 4 0. 0 511. 5 52. 4 52. 4 0. 0 0. 0 126. 7 0. 0 0. 0 0. 0 0. 0 35528. 6 5000. 7 34060. 1 4311. 7 34737. 4 4689. 5 36288. 5 6300. 0 20281. 6 19851 . 5 21534. 5 22063. 0 9921. 8 9731. 8 396. 9 7481. 0 0. 0 324. 5 13947. 3 7. 8 157. 4 28191. 9 12. 4 104. 1 30090. 6 270. 0 174. 5 26711. 0 13947. 3 28191. 9 30090. 6 26711. 0 2010 (4851. 8) 380. 4 0. 0 1558. 8 0. 0 (7363. 0) 504. 0 68. 0 2125. 1 300. 0 0. 0 1825. 1 0. 0 0. 0 42129. 9 10540. 7 10342. 5 198. 2 27241. 3 27233. 9 7. 4 4241. 1 4234. 6 6. 5 0. 0 106. 8 47. 1 9280. 3 3934. 3 1527. 4 3285. 8 532. 8 934. 3 428. 6 50093. 5 9968. 6 1573. 7 1536. 8 36. 9 8394. 9 7350. 2 7319. 9 30. 3 350. 2 348. 6 1. 6 0. 0 694. 5 0. 0 0. 0 0. 0 4339. 8 4212. 4 127. 4 0. 0 0. 0 0. 0 1476. 0 1332. 6 143. 4 25074. 2 24747. 4 326. 8 0. 0 12. 5 0. 1 6. 4 6. 0 0. 0 0. 0 0. 0 327. 9 8410. 0 3250. 0. 0 3250. 1 1634. 7 370. 9 276. 0 2878. 3 49. 2 435. 3 0. 0 0. 0 50093. 5 2011 (4607. 7) 380. 4 0. 0 1608. 7 0. 0 (7252. 4) 587. 6 68. 0 1842. 4 0. 0 0. 0 1842. 4 0. 0 0. 0 46804. 2 10915. 9 10674. 3 241. 6 27255. 8 27245. 7 10. 1 7482. 3 7476. 1 6. 2 729. 4 420. 8 11. 1 10387. 7 5406. 2 1501. 0 3014. 7 46 5. 8 879. 0 383. 4 55700. 1 11238. 1 1568. 5 1537. 2 31. 3 9269. 6 8171. 0 8167. 7 3. 3 656. 3 656. 3 0. 0 0. 0 442. 3 400. 0 400. 0 0. 0 5582. 1 5582. 1 0. 0 0. 0 0. 0 0. 0 2079. 8 1806. 4 273. 4 26637. 8 26607. 8 30. 0 0. 0 72. 1 0. 0 5. 6 66. 5 0. 0 0. 0 0. 0 308. 2 8855. 8 3014. 7 0. 0 0. 0 3014. 7 1703. 3 814. 9 0. 0 3322. 9 44. 5 381. 500. 6 0. 0 55700. 1 2012 (3084. 1) 1772. 8 0. 0 1634. 4 0. 0 (7190. 8) 631. 5 68. 0 2153. 8 0. 0 0. 0 2153. 8 0. 0 0. 0 56042. 6 12325. 2 12115. 1 210. 1 29980. 6 29971. 8 8. 8 11664. 6 11659. 6 5. 0 1649. 1 423. 1 73. 0 9510. 5 3591. 6 1696. 4 3311. 5 911. 0 (4030. 6) 406. 7 61071. 9 11991. 9 1939. 2 1914. 1 25. 1 10052. 7 8569. 8 8511. 1 58. 7 404. 4 404. 4 0. 0 0. 0 1078. 5 0. 0 0. 0 0. 0 6049. 3 6049. 3 0. 0 0. 0 0. 0 0. 0 2423. 9 0. 0 0. 0 2423. 9 29551. 3 29551. 3 0. 0 0. 0 147. 5 0. 0 5. 0 142. 5 0. 0 0. 0 0. 0 361. 9 8764. 9 3311. 5 0. 0 0. 0 3311. 5 1974. 8 889. 9 0. 0 2588. 8 38. 5 309. 4 1433. 2 0. 0 61071. 9 Total Assets 50867. 63816 . 6 8063. 8 1648. 9 1409. 9 239. 0 6410. 9 3307. 4 66329. 5 4770. 6 1420. 9 1198. 1 222. 8 3349. 7 2524. 1 64063. 8 6444. 0 969. 4 885. 9 83. 5 4452. 6 3783. 5 1 LIQUID FUNDS 8050. 5 a. Cash Balance 1784. 8 Nepalese Notes & Coins 1479. 4 Foreign Currency 305. 4 b. Bank Balance 6265. 7 1. In Nepal Rastra Bank 3050. 4 Domestic Currency Foreign Currency 2. AClass Licensed Institution 328. 1 Domestic Currency Foreign Currency 3. Other Financial Ins. 4. In Foreign banks 2887. 2 c. Money at Call 0. 0 Domestic Currency Foreign Currency 2 INVESTMENTS 6720. 0 a. Govt. Securities 6720. 0 b. NRB Bond c. Govt. Non-Fin. Ins. d. Other Non-Fin Ins. Non Residents 3 SHARE & OTHER INVESTMENT 56. 3 a. Interbank Lending b. Non Residents c. Others 4 LOANS & ADVANCES 21728. 8 a. Private Sector 21131. 0 b. Financial Institutions c. Government Organizations 597. 8 5 BILL PURCHED 234. 2 a. Domestic Bills Purchased b. Foreign Bills Purchased 234. 2 c. Import Bills & Imports 6 LOANS AGAINST COLLECTED BILLS 99 . 3 a. Against Domestic Bills b. Against Foreign Bills 99. 3 244. 0 84. 8 129. 1 2859. 5 4. 1 740. 8 0. 0 540. 0 1022. 0 7115. 2 7115. 2 11722. 8 11722. 8 10593. 8 10593. 8 37. 6 59. 8 429. 9 13226. 3 13226. 3 0. 0 0. 0 0. 0 0. 0 3057. 0 2045. 5 1011. 5 13377. 5 12424. 1 210. 7 742. 7 373. 1 6. 8 366. 3 0. 0 0. 0 189. 7 8933. 9 4146. 306. 8 3839. 2 1251. 2 293. 2 3243. 5 91. 6 838. 5 615. 9 47707. 1 20755. 6 20103. 4 652. 2 139. 2 139. 2 102. 7 102. 7 27602. 5 8793. 0 132. 1 8660. 9 19078. 1 18335. 1 743. 0 88. 4 88. 4 99. 6 99. 6 30510. 2 9772. 9 195. 1 9577. 8 19108. 0 18616. 7 491. 3 33. 7 33. 7 0. 0 0. 0 27454. 4 11498. 8 141. 0 11357. 8 7 FIXED ASSETS 8 OTHER ASSETS a. Accrued Interests Financial Institutions Govt. Entp. Private Sector b. Staff Loans / Adv. c. Sundry Debtors d. Cash In Transit e. Others 9 Expenses not Written off 10 Non Banking Assets 11 Reconcillation Account 12 Profit & Loss A/c 13978. 6 6958. 2 101. 9 6856. 3 265. 8 10569. 4 4044. 2 313. 8 3730. 1733. 7 409. 7 474. 1 3907. 6 76. 3 604. 1 677. 2 54608. 8 7020. 4 18809. 5 20737. 3 15955. 6 Total 50867. 7 63816. 6 66329. 5 64063. 8 18 Table No. 8 Statement of Assets & Liabilities of RASTRIYA BANIJYA BANK (Rs. In million) Mid-July Liabilities 1 CAPITAL FUND a. Paid-up Capital b. Calls in advance c Statutory Reserves d. Share Premium e. Retained Earning f. Others Reserves g. Exchange Fluctuation Fund 2 BORROWINGS a. NRB b. AClass Licensed Institution c. Foreign Banks and Fin. Ins. d. Other Financial Ins. e. Bonds and Securities 3 DEPOSITS a. Current Domestic Foreign b. Savings Domestic Foreign c. Fixed Domestic Foreign d. Call Deposits e.Others 4 Bills Payable 5 Other Liabilities 1. Sundry Creditors 2. Loan Loss Provision 3. Interest Suspense a/c 4. Others 6 Reconcillation A/c 7 Profit & Loss A/c 2001 1506. 7 1172. 3 2002 1538. 2 1172. 3 2003 1557. 5 1172. 3 266. 2 146. 9 146. 9 0. 0 0. 0 0. 0 40500. 4 4864. 0 297. 7 156. 1 156. 1 0. 0 0. 0 0. 0 38964. 6 4639. 7 317. 0 161. 9 161. 9 0. 0 0. 0 0. 0 39308. 6 4687. 9 18822. 1 18997. 2 20861. 2 16477. 2 15166. 6 13579. 5 0. 8 336. 3 31490. 7 6. 7 154. 4 35459. 2