BANKING & FINANCIAL STATISTICS Monthly NEPAL RASTRA BANK Bank & Financial Institution Regulation Department Statistics Division

1200

1000 939 953 907 919 862 877

800 736 699 703 714 713 719

600

400 Rs. in Rs. billion

200

0 Mid Aug Mid Sep Mid Oct Mid Nov Mid Dec Mid Jan Deposit

2068 Poush (Mid Jan, 2012) (Provisional) Contents

Page 1. Explanatory note 1 2. Major financial indicators 2 3. Statement of Assets & Liabilities of Bank & Financial Institutions (Aggregate) 3

4. Geographical distribution of: a. Bank & financial institutions' branches 11 b. Deposit 12 c. Credit 13 d. District wise distribution of bank & financial institutions' brancehs 14 e. District wise distribution of credit & deposit 16

5. Statement of Assets and Liabilities a. Commercial banks 18 b. Development banks 20 c. Finance companies 26

6. Profit & Loss account a. Commercial banks 32 b. Development banks 35 c. Finance companies 45

7. Sector‐ wise, product‐wise and security‐wise credit a. Commercial banks 55 b. Development banks 57 c. Finance companies 62

8. Micro‐credit development banks a. Major financial indicators 67 b. Statement of assets and liabilities 68 c. Profit & loss account 70 d. Progress report 73

9. List of bank and financial institutions with short name 77 Explanatory Notes

1 "Banking and Financial Statistics, Monthly" contains statistical information of NRB licensed Banks and Financial Institutions (BFIs). 2 Blank spaces in the headings and sub‐headings indicate the unavailability of data or nil in transactions or not submitted in prescribed format. 3 The following months of the Gregorian Calendar year are the approximate equivalent of the months of the Nepalese Calendar Year:

Nepalese Month Gregorian Month

Baisakh Mid‐May Jestha Mid‐June Ashadh Mid‐July Shrawan Mid‐Aug Bhadra Mid‐Sept Aswin Mid‐Oct Kartik Mid‐Nov Marga Mid‐Dec Poush Mid‐Jan Magh Mid‐Feb Falgun Mid‐Mar Chaitra Mid‐Apr

4 Statistics of following Licensed BFIs have been used.

Commercial Development Finance Micro Total Banks Banks Companies –Credits Data available , out of total number 31 89 78 14 212 Total Number of Licensed BFIs 31 89 79 21 220

5 All the amount in this statistics are in million of rupees.

6 Short Names of BFIs are used in notification and their full names have been provided in the last page (List of Bank & Financial Institutions).

7 Urban represents all the municipalities (existing 58 and newly declared 41) as well as all VDCs in Kathmandu District. 8 Extension counters, micro finance branches and regional offices have not been included in total number of bank branches.

9 Deposit Collection & Loan Disbursement of BFI's are assumed to be of same district in which the Banks/Branches are located.

1 Major Financial Indicators as on Poush End, 2068

Class "A" Class "B" Class "C" Total A. Credit, Deposit Ratios (%) 1 Deposit/GDP 56.6 7.9 6.3 70.8 2 Credit/GDP 41.7 6.8 6.2 54.7 3 Credit/Deposit 73.8 85.7 97.6 77.2 4 Credit/Deposit & Core Capital 67.9 70.9 82.5 69.7 5 Investment/Deposit 21.5 5.5 5.0 18.2 6 Credit & Investment/Deposit 95.2 91.3 102.7 95.5 7 Fixed Depoist/Total Deposit 37.7 30.3 51.5 38.1 8 Saving Deposit/Total Deposit 33.8 47.5 42.3 36.1 9 Current Deposit/Total Deposit 9.6 1.9 0.1 7.9 10 NPL/ Total Loan 3.9 5.7 9.9 4.8 11 Total LLP/Total Loan 4.4 4.6 11.6 5.3 12 Deprived SectorLoan/Total Loan 3.8 30.1 2.4 6.9 B. Liquidity Ratios (%) 1 NRB Balance/Total Deposit 11.4 3.8 4.7 9.9 2 Cash Balance/Total Deposit 2.4 2.7 1.6 2.4 3 Total Liquid Fund/Total Deposit 30.9 35.4 30.5 31.4 C. Capital Adequacy Ratios 1 Core Capital/RWA (%) 8.5 21.9 18.1 10.8 2 Total Capital/RWA (%) 10.0 21.8 18.9 12.0 3 Total Capital/Total Deposit (%) 8.7 20.8 18.3 10.9 4 Total Capital/Total Credit (%) 13.7 24.1 19.6 15.7 D. Other Information 1 No. of Branches 1,300 629 336 2,265 2 No. of ATM 1,027 166 83 1,276 3 No. of Debit Card 2,360,781 179,451 118,495 2,658,727 4 No. of Credit Card 38,903 ‐ ‐ 38,903 5 No. of Deposit Accounts 6,395,849 1,166,664 739,670 8,302,183 6 No.of Loan 500,907 106,460 59,388 666,755 7 Wt. Avg Interest on Deposit 6.61 10.04 10.69 7.31 (a) Saving 4.92 9.10 9.55 5.95 (b) Fixed 9.60 12.63 12.62 10.17 (c) Call 7.50 9.59 10.22 7.77 8 Wt. Avg Interest on Credit 13.72 16.08 16.85 14.32

2 Statement of Assets and Liabilities of Bank & Financial Institutions (Aggregat Rs in million Mid-July Mid-Dec Mid-Jan Percentage change Liabilities 2009 2010 2011 2011 2012 Column Column Column Column 12345 2/1 3/2 4/3 5/4 1 CAPITAL FUND 50,265.6 75,485.9 103,407.5 111,355.4 108,783.3 50.2 37.0 7.7 (2.3) a. Paid-up Capital 59,200.3 78,357.1 98,418.2 100,239.8 101,424.5 32.4 25.6 1.9 1.2 b. Statutory Reserves 10,768.4 14,234.2 17,727.3 19,866.3 21,139.0 32.2 24.5 12.1 6.4 c. Retained Earning (27,890.5) (27,003.3) (24,280.9) (21,055.7) (26,766.3) (3.2) (10.1) (13.3) 27.1 d. Others Reserves 8,187.3 9,897.9 11,543.0 12,305.0 12,986.1 20.9 16.6 6.6 5.5 2 BORROWINGS 26,136.5 27,377.6 34,058.7 20,644.5 20,353.3 4.7 24.4 (39.4) (1.4) a. NRB 2,238.6 7,559.8 13,307.2 4,005.6 4,355.6 237.7 76.0 (69.9) 8.7 b. "A"Class Licensed Institution 14,110.2 9,794.3 10,916.0 6,571.5 5,788.5 (30.6) 11.5 (39.8) (11.9) c. Foreign Banks and Fin. Ins. 4,120.8 2,043.5 2,232.3 3,117.7 2,478.8 (50.4) 9.2 39.7 (20.5) d. Other Financial Ins. 2,135.0 4,247.5 1,453.4 1,360.8 1,630.7 98.9 (65.8) (6.4) 19.8 e. Bonds and Securities 3,531.9 3,732.6 6,149.8 5,589.0 6,099.6 5.7 64.8 (9.1) 9.1 3 DEPOSITS 668,679.5 785,238.0 869,951.4 939,485.6 952,724.0 17.4 10.8 8.0 1.4 a. Current 72,662.6 82,134.1 80,934.3 74,160.0 75,164.2 13.0 (1.5) (8.4) 1.4 b. Savings 314,013.3 305,780.5 305,589.2 332,713.0 344,091.5 (2.6) (0.1) 8.9 3.4 c. Fixed 183,054.1 265,134.6 332,726.3 359,930.8 363,408.6 44.8 25.5 8.2 1.0 d. Call Deposits 91,663.2 122,927.9 139,308.2 159,490.6 157,072.6 34.1 13.3 14.5 (1.5) e. Others 7,286.3 9,260.9 11,393.4 13,191.3 12,987.2 27.1 23.0 15.8 (1.5) 4 Bills Payable 1,766.8 1,256.4 964.9 832.6 783.8 (28.9) (23.2) (13.7) (5.9) 5 Other Liabilities 103,852.0 93,435.3 106,260.3 133,016.0 125,326.6 (10.0) 13.7 25.2 (5.8) 1. Loan Loss Provision 27,897.5 25,878.4 30,215.8 36,512.4 38,128.4 (7.2) 16.8 20.8 4.4 2. Interest Suspense a/c 29,443.1 27,923.6 28,130.0 34,416.1 31,569.1 (5.2) 0.7 22.3 (8.3) 3. Others 46,511.5 39,633.3 47,914.5 62,087.5 55,629.1 (14.8) 20.9 29.6 (10.4) 6 Reconcillation A/c 97,611.6 4,061.7 9,873.0 13,405.7 3,131.6 (95.8) 143.1 35.8 (76.6) 7 Profit & Loss A/c 19,293.2 21,114.2 20,201.9 4,403.7 7,189.0 9.4 (4.3) (78.2) 63.2 TOTAL 967,605.3 1,007,969.1 1,144,717.7 1,223,143.6 1,218,291.5 4.2 13.6 6.9 (0.4) Assets 1 LIQUID FUNDS 138,395.4 150,503.2 147,994.0 189,009.8 193,635.3 8.7 (1.7) 27.7 2.4 a. Cash Balance 17,754.0 20,454.9 23,950.2 22,708.3 23,637.8 15.2 17.1 (5.2) 4.1 Nepalese Notes & Coins 16,894.5 19,977.5 23,410.2 21,573.1 22,819.7 18.2 17.2 (7.8) 5.8 Foreign Currency 859.5 477.4 540.0 1,135.2 818.1 (44.5) 13.1 110.2 (27.9) b. Bank Balance 96,767.1 97,818.2 90,221.7 135,824.9 139,621.1 1.1 (7.8) 50.5 2.8 1. In Nepal Rastra Bank 60,247.8 54,779.2 54,649.3 97,721.3 95,445.3 (9.1) (0.2) 78.8 (2.3) 2. "A"Class Licensed Institution 23,652.8 23,351.1 15,882.0 17,447.7 17,703.2 (1.3) (32.0) 9.9 1.5 3. Other Financial Ins. 4,878.9 9,394.3 9,176.5 7,729.9 9,154.6 92.5 (2.3) (15.8) 18.4 4. In Foreign banks 7,987.6 10,293.7 10,513.9 12,925.9 17,317.9 28.9 2.1 22.9 34.0 c. Money at Call 23,874.2 32,230.1 33,822.1 30,476.6 30,376.4 35.0 4.9 (9.9) (0.3) 2 INVESTMENTS 70,346.5 84,641.5 107,562.4 119,705.0 125,857.2 20.3 27.1 11.3 5.1 a. Govt.Securities 69,944.5 81,922.1 105,115.1 118,449.0 124,784.1 17.1 28.3 12.7 5.3 b Others 402.0 2,719.3 2,447.2 1,256.0 1,073.1 576.4 (10.0) (48.7) (14.6) 3 SHARE & OTHER INVESTMENT 68,688.6 60,629.2 53,582.9 54,476.3 47,680.1 (11.7) (11.6) 1.7 (12.5) 4 LOANS & ADVANCES 499,892.6 609,921.9 698,779.0 711,815.7 728,369.9 22.0 14.6 1.9 2.3 a. Private Sector 432,730.1 593,596.8 675,113.9 687,199.2 703,247.3 37.2 13.7 1.8 2.3 b. Financial Institutions 12,581.8 12,812.2 17,300.0 18,312.3 18,251.1 1.8 35.0 5.9 (0.3) c. Government Organizations 54,580.7 3,513.0 6,365.1 6,304.2 6,871.5 (93.6) 81.2 (1.0) 9.0 5 BILL PURCHED 3,907.6 2,257.0 5,149.7 7,151.8 7,192.2 (42.2) 128.2 38.9 0.6 6 LOANS AGT. COLLECTED BILLS 17.9 98.6 96.0 352.8 416.2 452.2 (2.7) 267.7 18.0 7 FIXED ASSETS 15,004.6 20,405.9 24,260.6 25,678.8 26,009.4 36.0 18.9 5.8 1.3 8 OTHER ASSETS 64,802.8 69,231.8 79,138.1 98,169.1 92,102.0 6.8 14.3 24.0 (6.2) a. Accrued Interests 29,905.2 29,133.1 29,689.7 40,922.5 33,471.8 (2.6) 1.9 37.8 (18.2) b. Others 34,897.6 40,098.7 49,448.4 57,246.6 58,630.1 14.9 23.3 15.8 2.4 9 Expenses not Written off 622.8 617.8 775.3 676.4 551.9 (0.8) 25.5 (12.8) (18.4) 10 Non Banking Assets 2,306.4 1,829.1 1,549.7 1,994.7 2,322.8 (20.7) (15.3) 28.7 16.5 11 Reconcillation Account 95,774.6 7,397.6 21,980.3 10,605.9 (9,788.7) (92.3) 197.1 (51.7) (192.3) 12 Profit & Loss A/c 7,845.3 435.5 3,849.8 3,507.5 3,943.3 (94.4) 784.0 (8.9) 12.4 TOTAL 967,605.3 1,007,969.1 1,144,717.7 1,223,143.8 1,218,291.9 4.2 13.6 6.9 (0.4)

3 Statement of Assets and Liabilities of Commercial Bank Rs in million Mid-July Mid-Dec Mid-Jan Percentage change Liabilities 2009 2010 2011 2011 2012 ColumnColum Column Column 12345 2/1 3/2 4/3 5/4 1 CAPITAL FUND 30,399.5 40,719.8 59,064.4 68,141.8 66,636.7 33.9 45.1 15.4 (2.2) a. Paid-up Capital 40,738.3 46,630.4 58,294.9 59,714.5 60,348.2 14.5 25.0 2.4 1.1 b. Statutory Reserves 9,514.2 12,146.3 14,925.9 16,468.3 17,602.3 27.7 22.9 10.3 6.9 c. Retained Earning (27,143.0) (26,722.0) (24,831.2) (19,336.3) (23,227.2) (1.6) (7.1) (22.1) 20.1 d. Others Reserves 7,290.1 8,665.1 10,674.8 11,295.3 11,913.4 18.9 23.2 5.8 5.5 2 BORROWINGS 18,320.2 19,783.9 24,852.8 15,356.7 15,940.7 8.0 25.6 (38.2) 3.8 a. NRB 2,154.3 6,752.6 10,226.1 3,607.6 4,093.3 213.5 51.4 (64.7) 13.5 b. "A"Class Licensed Institution 8,132.5 4,816.8 6,321.0 3,183.5 3,010.4 (40.8) 31.2 (49.6) (5.4) c. Foreign Banks and Fin. Ins. 4,012.7 1,933.3 1,868.1 2,757.9 2,119.1 (51.8) (3.4) 47.6 (23.2) d. Other Financial Ins. 520.7 2,553.4 379.9 280.0 690.1 390.4 (85.1) (26.3) 146.5 e. Bonds and Securities 3,500.0 3,727.8 6,057.8 5,527.8 6,027.8 6.5 62.5 (8.7) 9.0 3 DEPOSITS 563,604.5 630,880.8 687,587.9 754,544.9 761,247.1 11.9 9.0 9.7 0.9 a. Current 71,651.0 80,606.2 78,982.9 72,453.9 73,037.4 12.5 (2.0) (8.3) 0.8 b. Savings 259,925.4 237,709.3 231,094.4 251,212.8 257,533.6 (8.5) (2.8) 8.7 2.5 c. Fixed 141,259.4 200,058.5 253,586.4 283,494.2 287,339.2 41.6 26.8 11.8 1.4 d. Call Deposits 84,709.7 105,687.2 116,624.7 138,562.7 134,876.3 24.8 10.3 18.8 (2.7) e. Others 6,058.9 6,819.7 7,299.5 8,821.2 8,460.5 12.6 7.0 20.8 (4.1) 4 Bills Payable 1,738.5 1,226.0 942.9 821.9 764.7 (29.5) (23.1) (12.8) (7.0) 5 Other Liabilities 87,709.2 77,413.0 84,386.3 100,606.9 94,097.5 (11.7) 9.0 19.2 (6.5) 1. Loan Loss Provision 23,682.5 21,631.8 21,340.1 24,833.4 24,951.6 (8.7) (1.3) 16.4 0.5 2. Interest Suspense a/c 27,666.2 24,101.3 23,249.4 25,937.3 24,452.9 (12.9) (3.5) 11.6 (5.7) 3. Others 36,360.4 31,679.9 39,796.8 49,836.2 44,693.0 (12.9) 25.6 25.2 (10.3) 6 Reconcillation A/c 95,621.7 1,234.6 5,931.6 9,319.3 (1,632.3) (98.7) 380.4 57.1 (117.5) 7 Profit & Loss A/c 14,772.4 16,042.8 15,598.5 4,017.2 5,718.8 8.6 (2.8) (74.2) 42.4 TOTAL 812,165.9 787,300.9 878,364.5 952,808.6 942,773.2 (3.1) 11.6 8.5 (1.1) Assets 1 LIQUID FUNDS 105,989.0 102,749.0 98,071.7 135,572.3 135,829.6 (3.1) (4.6) 38.2 0.2 a. Cash Balance 15,839.2 17,573.1 20,265.2 18,678.3 19,392.5 10.9 15.3 (7.8) 3.8 Nepalese Notes & Coins 15,014.6 17,137.2 19,765.0 17,608.6 18,623.1 14.1 15.3 (10.9) 5.8 Foreign Currency 824.6 435.9 500.3 1,069.8 769.4 (47.1) 14.8 113.8 (28.1) b. Bank Balance 75,438.8 69,551.5 63,293.3 106,123.0 108,196.1 (7.8) (9.0) 67.7 2.0 1. In Nepal Rastra Bank 55,539.2 49,542.7 48,727.4 90,234.3 87,387.3 (10.8) (1.6) 85.2 (3.2) 2. "A"Class Licensed Institution 11,505.6 8,460.4 3,826.0 3,145.8 2,835.2 (26.5) (54.8) (17.8) (9.9) 3. Other Financial Ins. 415.4 1,333.7 284.6 14.8 722.0 221.1 (78.7) (94.8) 4780.5 4. In Foreign banks 7,978.6 10,214.7 10,455.2 12,728.0 17,251.6 28.0 2.4 21.7 35.5 c. Money at Call 14,711.1 15,624.4 14,513.2 10,771.0 8,241.0 6.2 (7.1) (25.8) (23.5) 2 INVESTMENTS 69,261.4 81,343.8 102,655.9 114,247.9 119,863.2 17.4 26.2 11.3 4.9 a. Govt.Securities 68,902.0 79,079.6 100,267.3 113,140.0 118,860.3 14.8 26.8 12.8 5.1 b Others 359.4 2,264.2 2,388.6 1,107.9 1,002.9 530.0 5.5 (53.6) (9.5) 3 SHARE & OTHER INVESTMEN 61,595.5 52,697.3 46,901.4 50,076.5 43,480.4 (14.4) (11.0) 6.8 (13.2) 4 LOANS & ADVANCES 398,143.0 467,107.2 522,853.3 537,957.5 554,170.4 17.3 11.9 2.9 3.0 a. Private Sector 387,543.3 453,049.0 503,339.4 519,243.3 533,566.3 16.9 11.1 3.2 2.8 b. Financial Institutions 7,991.7 11,270.6 13,362.3 12,584.6 13,951.2 41.0 18.6 (5.8) 10.9 c. Government Organizations 2,608.0 2,787.6 6,151.5 6,129.6 6,652.9 6.9 120.7 (0.4) 8.5 5 BILL PURCHED 3,745.7 2,172.6 5,073.8 7,117.7 7,132.9 (42.0) 133.5 40.3 0.2 6 LOANS AGT. COLLECTED BILLS 17.9 98.6 96.0 352.8 416.2 452.2 (2.7) 267.7 18.0 7 FIXED ASSETS 11,004.8 13,896.1 16,098.8 17,303.3 17,571.6 26.3 15.9 7.5 1.6 8 OTHER ASSETS 59,152.5 60,702.9 66,675.1 80,559.7 76,159.2 2.6 9.8 20.8 (5.5) a. Accrued Interests 28,776.5 25,188.4 24,341.4 32,058.0 26,027.1 (12.5) (3.4) 31.7 (18.8) b. Others 30,376.0 35,514.6 42,333.7 48,501.6 50,132.0 16.9 19.2 14.6 3.4 9 Expenses not Written off 475.2 458.8 600.7 508.6 402.6 (3.4) 30.9 (15.3) (20.8) 10 Non Banking Assets 1,889.1 1,616.6 1,376.6 1,617.4 1,598.9 (14.4) (14.8) 17.5 (1.1) 11 Reconcillation Account 93,915.3 4,457.9 17,961.1 6,552.5 (14,627.6) (95.3) 302.9 (63.5) (323.2) 12 Profit & Loss A/c 6,976.4 0.0 0.0 942.4 775.8 (100.0) 0.0 0.0 (17.7) TOTAL 812,165.9 787,300.9 878,364.5 952,808.6 942,773.2 (3.1) 11.6 8.5 (1.1)

4 Statement of Assets and Liabilities of Development Banks Rs in million Mid July Mid-Dec Mid-Jan Percentage changes Liabilities 2009 2010 2011 2011 2012 ColumnColum Column Column 12345 2/1 3/2 4/3 5/4 1 CAPITAL FUND 9,325.1 15,328.2 22,524.6 23,103.8 22,587.1 64.4 46.9 2.6 (2.2) a. Paid-up Capital 9,140.9 14,535.3 20,895.1 21,150.4 21,352.2 59.0 43.8 1.2 1.0 b. Statutory Reserves 244.8 697.9 1,138.3 1,460.0 1,484.3 185.1 63.1 28.3 1.7 c. Retained Earning (449.9) (443.9) 67.7 (12.2) (801.2) (1.3) (115.2) (118.0) 6467.8 d. Others Reserves 389.3 538.9 423.6 505.5 551.7 38.4 (21.4) 19.4 9.1 2 BORROWINGS 2,622.6 4,442.8 4,700.0 2,768.9 2,110.6 69.4 5.8 (41.1) (23.8) a. NRB 84.3 660.7 2,433.7 290.0 253.3 683.7 268.4 (88.1) (12.7) b. "A"Class Licensed Institution 1,969.6 2,858.6 1,334.0 1,609.8 1,054.7 45.1 (53.3) 20.7 (34.5) c. Foreign Banks and Fin. Ins. 38.1 110.2 364.2 359.8 359.8 189.2 230.5 (1.2) 0.0 d. Other Financial Ins. 528.7 808.6 557.1 448.2 371.1 52.9 (31.1) (19.5) (17.2) e. Bonds and Securities 1.9 4.8 11.0 61.2 71.8 152.0 130.1 455.4 17.4 3 DEPOSITS 48,001.6 76,950.8 96,886.7 101,770.9 106,276.5 60.3 25.9 5.0 4.4 a. Current 519.7 1,417.4 1,860.5 1,647.9 2,034.8 172.7 31.3 (11.4) 23.5 b. Savings 26,551.0 36,106.4 42,968.3 47,563.9 50,491.7 36.0 19.0 10.7 6.2 c. Fixed 14,416.2 24,242.1 31,162.9 32,121.4 32,230.5 68.2 28.5 3.1 0.3 d. Call Deposits 5,975.3 14,605.3 20,407.7 19,735.7 20,889.1 144.4 39.7 (3.3) 5.8 e. Others 539.4 579.5 487.3 701.9 630.5 7.4 (15.9) 44.0 (10.2) 4 Bills Payable 27.4 6.0 17.8 10.1 12.7 (78.1) 196.1 (43.3) 25.9 5 Other Liabilities 5,584.5 8,151.2 10,858.3 14,953.3 13,789.9 46.0 33.2 37.7 (7.8) 1. Loan Loss Provision 2,162.1 1,921.5 3,520.4 3,932.3 4,190.6 (11.1) 83.2 11.7 6.6 2. Interest Suspense a/c 961.5 2,821.7 3,189.4 4,524.2 3,655.5 193.5 13.0 41.8 (19.2) 3. Others 2,460.9 3,407.9 4,148.5 6,496.8 5,943.9 38.5 21.7 56.6 (8.5) 6 Reconcillation A/c 877.8 1,412.6 2,577.4 2,712.7 3,431.9 60.9 82.5 5.2 26.5 7 Profit & Loss A/c 1,570.3 2,168.2 2,171.4 168.3 813.2 38.1 0.1 (92.3) 383.3 TOTAL 68,009.3 108,459.7 139,736.2 145,487.9 149,022.0 59.5 28.8 4.1 2.4 Assets 1 LIQUID FUNDS 15,999.8 26,036.3 29,411.3 32,214.5 34,247.0 62.7 13.0 9.5 6.3 a. Cash Balance 1,309.4 1,932.3 2,465.0 2,763.5 2,907.2 47.6 27.6 12.1 5.2 Nepalese Notes & Coins 1,275.8 1,891.5 2,427.0 2,698.7 2,859.3 48.3 28.3 11.2 5.9 Foreign Currency 33.6 40.7 38.1 64.7 47.9 21.2 (6.5) 69.9 (26.0) b. Bank Balance 10,901.5 13,190.5 13,229.8 15,786.6 15,906.6 21.0 0.3 19.3 0.8 1. In Nepal Rastra Bank 2,441.6 2,698.2 3,511.9 4,396.3 4,084.5 10.5 30.2 25.2 (7.1) 2. "A"Class Licensed Institution 6,185.5 6,785.6 5,973.6 7,582.0 8,206.0 9.7 (12.0) 26.9 8.2 3. Other Financial Ins. 2,265.4 3,627.7 3,685.7 3,610.4 3,549.8 60.1 1.6 (2.0) (1.7) 4. In Foreign banks 9.0 79.0 58.6 197.9 66.4 777.7 (25.8) 237.6 (66.5) c. Money at Call 3,788.9 10,913.5 13,716.4 13,664.5 15,433.2 188.0 25.7 (0.4) 12.9 2 INVESTMENTS 269.4 2,073.1 2,519.6 3,118.5 3,484.4 669.5 21.5 23.8 11.7 a. Govt.Securities 256.8 1,633.3 2,497.0 3,095.2 3,471.1 536.0 52.9 24.0 12.1 b Others 12.6 439.8 22.6 23.3 13.3 3390.7 (94.9) 3.2 (42.9) 3 SHARE & OTHER INVESTMEN 4,643.3 4,728.7 3,343.5 2,507.9 2,413.3 1.8 (29.3) (25.0) (3.8) 4 LOANS & ADVANCES 41,828.4 65,827.9 88,923.3 90,296.6 91,064.3 57.4 35.1 1.5 0.9 a. Private Sector 0.0 65,642.9 88,169.2 87,595.2 89,948.4 0.0 34.3 (0.7) 2.7 b. Financial Institutions 0.0 177.8 609.7 2,584.5 954.9 0.0 243.0 323.9 (63.1) c. Government Organizations 41,828.4 7.2 144.4 116.9 161.0 (100.0) 1899 (19.1) 37.8 5 BILL PURCHED 5.0 10.2 45.7 23.7 27.0 103.4 349.5 (48.1) 13.9 6 LOANS AGT. COLLECTED BILLS 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 7 FIXED ASSETS 1,321.6 2,774.8 3,828.1 4,011.9 4,035.0 110.0 38.0 4.8 0.6 8 OTHER ASSETS 2,757.7 5,186.0 7,635.1 9,651.2 8,676.2 88.1 47.2 26.4 (10.1) a. Accrued Interests 261.2 2,903.6 3,339.1 4,677.7 3,800.6 1011.6 15.0 40.1 (18.7) b. Others 2,496.5 2,282.4 4,296.0 4,973.6 4,875.6 (8.6) 88.2 15.8 (2.0) 9 Expenses not Written off 85.2 79.2 110.6 97.9 92.0 (7.1) 39.7 (11.5) (6.0) 10 Non Banking Assets 112.0 24.3 12.7 203.1 535.8 (78.3) (47.7) 1496.4 163.8 11 Reconcillation Account 779.1 1,511.7 2,617.5 2,559.2 3,420.5 94.0 73.1 (2.2) 33.7 12 Profit & Loss A/c 207.8 207.5 1,288.8 803.6 1,027.0 (0.1) 521.1 (37.6) 27.8 TOTAL 68,009.3 108,459.7 139,736.2 145,488.1 149,022.4 59.5 28.8 4.1 2.4

5 Statement of Assets and Liabilities of Finance Companie Rs in million Mid July Mid-Dec Mid-Jan Percentage changes Liabilities 2009 2010 2011 2011 2012 ColumnColum Column Column 12345 2/1 3/2 4/3 5/4 1 CAPITAL FUND 10,541.0 19,437.9 21,818.4 20,109.8 19,559.5 84.4 12.2 (7.8) (2.7) a. Paid-up Capital 9,321.1 17,191.3 19,228.2 19,374.9 19,724.1 84.4 11.8 0.8 1.8 b. Statutory Reserves 1,009.5 1,390.0 1,663.1 1,937.9 2,052.3 37.7 19.6 16.5 5.9 c. Retained Earning (297.6) 162.6 482.6 (1,707.2) (2,737.9) (154.6) 196.7 (453.8) 60.4 d. Others Reserves 507.9 693.9 444.5 504.2 520.9 36.6 (35.9) 13.4 3.3 2 BORROWINGS 5,193.7 3,151.0 4,505.8 2,518.9 2,302.0 (39.3) 43.0 (44.1) (8.6) a. NRB 0.0 146.5 647.5 108.0 9.0 0.0 342.0 (83.3) (91.7) b. "A"Class Licensed Institution 4,008.1 2,119.0 3,261.0 1,778.3 1,723.4 (47.1) 53.9 (45.5) (3.1) c. Foreign Banks and Fin. Ins. 70.0 0.0 0.0 0.0 0.0 (100.0) 0.0 0.0 0.0 d. Other Financial Ins. 1,085.6 885.5 516.4 632.6 569.6 (18.4) (41.7) 22.5 (10.0) e. Bonds and Securities 30.0 0.0 81.0 0.0 0.0 (100.0) 0.0 (100.0) 0.0 3 DEPOSITS 57,073.4 77,406.3 85,476.9 83,169.9 85,200.4 35.6 10.4 (2.7) 2.4 a. Current 491.9 110.5 90.9 58.2 92.0 (77.5) (17.7) (36.0) 58.0 b. Savings 27,536.9 31,964.8 31,526.5 33,936.2 36,066.1 16.1 (1.4) 7.6 6.3 c. Fixed 27,378.5 40,834.0 47,977.0 44,315.2 43,838.9 49.1 17.5 (7.6) (1.1) d. Call Deposits 978.2 2,635.4 2,275.9 1,192.2 1,307.2 169.4 (13.6) (47.6) 9.6 e. Others 688.0 1,861.8 3,606.6 3,668.1 3,896.2 170.6 93.7 1.7 6.2 4 Bills Payable 1.0 24.4 4.2 0.6 6.4 2449.2 (82.8) (85.4) 936.2 5 Other Liabilities 10,558.3 7,871.1 11,015.7 17,455.8 17,439.2 (25.5) 40.0 58.5 (0.1) 1. Loan Loss Provision 2,052.8 2,325.1 5,355.3 7,746.7 8,986.3 13.3 130.3 44.7 16.0 2. Interest Suspense a/c 815.3 1,000.5 1,691.2 3,954.6 3,460.8 22.7 69.0 133.8 (12.5) 3. Others 7,690.1 4,545.5 3,969.2 5,754.5 4,992.1 (40.9) (12.7) 45.0 (13.2) 6 Reconcillation A/c 1,112.1 1,414.6 1,364.0 1,373.8 1,331.9 27.2 (3.6) 0.7 (3.0) 7 Profit & Loss A/c 2,950.6 2,903.2 2,432.0 218.3 657.0 (1.6) (16.2) (91.0) 201.0 TOTAL 87,430.1 112,208.5 126,617.0 124,847.1 126,496.3 28.3 12.8 (1.4) 1.3 Assets 1 LIQUID FUNDS 16,406.6 21,717.9 20,511.0 21,223.0 23,558.8 32.4 (5.6) 3.5 11.0 a. Cash Balance 605.4 949.5 1,219.9 1,266.5 1,338.1 56.8 28.5 3.8 5.7 Nepalese Notes & Coins 604.2 948.7 1,218.3 1,265.8 1,337.3 57.0 28.4 3.9 5.7 Foreign Currency 1.3 0.8 1.7 0.7 0.8 (37.6) 108.0 (59.7) 16.4 b. Bank Balance 10,426.9 15,076.2 13,698.6 13,915.4 15,518.4 44.6 (9.1) 1.6 11.5 1. In Nepal Rastra Bank 2,267.0 2,538.3 2,410.0 3,090.8 3,973.5 12.0 (5.1) 28.2 28.6 2. "A"Class Licensed Institution 5,961.7 8,105.1 6,082.4 6,719.9 6,662.0 36.0 (25.0) 10.5 (0.9) 3. Other Financial Ins. 2,198.2 4,432.8 5,206.2 4,104.7 4,882.9 101.7 17.4 (21.2) 19.0 4. In Foreign banks 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 c. Money at Call 5,374.2 5,692.2 5,592.5 6,041.1 6,702.2 5.9 (1.8) 8.0 10.9 2 INVESTMENTS 815.7 1,224.6 2,386.8 2,338.5 2,509.6 50.1 94.9 (2.0) 7.3 a. Govt.Securities 785.7 1,209.3 2,350.8 2,213.7 2,452.7 53.9 94.4 (5.8) 10.8 b Others 30.0 15.3 36.0 124.8 56.9 (49.2) 136.0 246.6 (54.4) 3 SHARE & OTHER INVESTMEN 2,449.8 3,203.2 3,337.9 1,891.9 1,786.4 30.8 4.2 (43.3) (5.6) 4 LOANS & ADVANCES 59,921.2 76,986.8 87,002.3 83,561.6 83,135.3 28.5 13.0 (4.0) (0.5) a. Private Sector 45,186.8 74,904.8 83,605.2 80,360.8 79,732.5 65.8 11.6 (3.9) (0.8) b. Financial Institutions 4,590.1 1,363.8 3,327.9 3,143.1 3,345.1 (70.3) 144.0 (5.6) 6.4 c. Government Organizations 10,144.3 718.2 69.2 57.7 57.7 (92.9) (90.4) (16.6) (0.0) 5 BILL PURCHED 156.9 74.3 30.2 10.4 32.3 (52.7) (59.4) (65.5) 210.3 6 LOANS AGT. COLLECTED BILLS 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 7 FIXED ASSETS 2,678.2 3,734.9 4,333.7 4,363.6 4,402.8 39.5 16.0 0.7 0.9 8 OTHER ASSETS 2,892.6 3,342.9 4,828.0 7,958.3 7,266.6 15.6 44.4 64.8 (8.7) a. Accrued Interests 867.6 1,041.1 2,009.2 4,186.8 3,644.1 20.0 93.0 108.4 (13.0) b. Others 2,025.1 2,301.8 2,818.8 3,771.4 3,622.5 13.7 22.5 33.8 (3.9) 9 Expenses not Written off 62.4 79.7 64.0 70.0 57.4 27.7 (19.7) 9.3 (18.0) 10 Non Banking Assets 305.3 188.2 160.4 174.2 188.2 (38.4) (14.8) 8.6 8.1 11 Reconcillation Account 1,080.2 1,428.0 1,401.7 1,494.2 1,418.5 32.2 (1.8) 6.6 (5.1) 12 Profit & Loss A/c 661.1 228.0 2,561.1 1,761.5 2,140.6 (65.5) 1023 (31.2) 21.5 TOTAL 87,430.1 112,208.5 126,617.0 124,847.1 126,496.3 28.3 12.8 (1.4) 1.3

6 Statement of Assets and Liabilities as on Poush End, 2068 Rs. In million Liabilities Class "A" Class "B" Class "C" Total 1 CAPITAL FUND 66,636.7 22,587.1 19,559.5 108,783.3 a. Paid‐up Capital 60,348.2 21,352.2 19,724.1 101,424.5 b. Calls in Advance 138.1 186.0 324.1 c. General Reserves 17,602.3 1,484.3 2,052.3 21,139.0 d. Share Premium 248.4 69.4 78.6 396.4 e. Retained Earning ‐23,227.2 ‐801.2 ‐2,737.9 ‐26,766.3 f. Others Reserves Fund 10,849.0 341.1 256.4 11,446.5 g. Exchange Fluctuation Fund 816.0 3.1 819.1 2 BORROWINGS 15,940.7 2,110.6 2,302.0 20,353.3 a. NRB 4,093.3 253.3 9.0 4,355.6 b. "A"Class Licensed Institution 3,010.4 1,054.7 1,723.4 5,788.5 c. Foreign Banks and Fin. Ins. 2,119.1 359.8 2,478.8 d. Other Financial Ins. 690.1 371.1 569.6 1,630.7 e. Bonds and Securities 6,027.8 71.8 6,099.6 3 DEPOSITS 761,247.1 106,276.5 85,200.4 952,724.0 a. Current 73,037.4 2,034.8 92.0 75,164.2 Domestic 62,573.5 2,024.8 92.0 64,690.3 Foreign 10,463.9 9.9 10,473.9 b. Savings 257,533.6 50,491.7 36,066.1 344,091.5 Domestic 252,119.4 50,429.5 36,066.1 338,615.0 Foreign 5,414.2 62.2 5,476.4 c. Fixed 287,339.2 32,230.5 43,838.9 363,408.6 Domestic 254,544.9 31,883.2 43,838.9 330,267.0 Foreign 32,794.3 347.3 33,141.6 d. Call Deposits 134,876.3 20,889.1 1,307.2 157,072.6 e. Others 8,460.5 630.5 3,896.2 12,987.2 4 Bills Payable 764.7 12.7 6.4 783.8 5 Other Liabilities 94,097.5 13,789.9 17,439.2 125,326.6 1. Sundry Creditors 13,368.4 415.1 565.8 14,349.3 2. Loan Loss Provision 24,951.6 4,190.6 8,986.3 38,128.4 3. Interest Suspense a/c 24,452.9 3,655.5 3,460.8 31,569.1 4. Others 31,324.6 5,528.8 4,426.4 41,279.8 6 Reconcillation A/c ‐1,632.3 3,431.9 1,331.9 3,131.6 7 Profit & Loss A/c 5,718.8 813.2 657.0 7,189.0 TOTAL LIABILITIES 942,773.2 149,022.0 126,496.3 1,218,291.5

7 Assets Class "A" Class "B" Class "C" Total 1 LIQUID FUNDS 135,829.6 34,247.0 23,558.8 193,635.3 a. Cash Balance 19,392.5 2,907.2 1,338.1 23,637.8 Nepalese Notes & Coins 18,623.1 2,859.3 1,337.3 22,819.7 Foreign Currency 769.4 47.9 0.8 818.1 b. Bank Balance 108,196.1 15,906.6 15,518.4 139,621.1 1. In Nepal Rastra Bank 87,387.3 4,084.5 3,973.5 95,445.3 Domestic Currency 86,621.7 4,076.3 3,973.5 94,671.6 Foreign Currency 765.6 8.1 0.0 773.8 2. "A"Class Licensed Institution 2,835.2 8,206.0 6,662.0 17,703.2 Domestic Currency 2,519.7 8,194.7 6,661.9 17,376.3 Foreign Currency 315.5 11.3 0.1 326.9 3. Other Financial Ins. 722.0 3,549.8 4,882.9 9,154.6 4. In Foreign Banks 17,251.6 66.4 17,317.9 c. Money at Call 8,241.0 15,433.2 6,702.2 30,376.4 Domestic Currency 2,649.3 15,239.0 6,702.2 24,590.6 Foreign Currency 5,591.7 194.2 5,785.9 2 INVESTMENT IN SECURITIES 119,863.2 3,484.4 2,509.6 125,857.2 a. Govt.Securities 118,860.3 3,471.1 2,452.7 124,784.1 b. NRB Bond 172.5 5.0 177.5 c. Govt.Non‐Fin. Ins. 270.8 270.8 d. Other Non‐Fin Ins. 120.0 13.3 51.6 184.9 e Non Residents 439.6 0.3 439.9 3 SHARE & OTHER INVESTMENT 43,480.4 2,413.3 1,786.4 47,680.1 a. Non Residents 33,256.4 135.8 45.8 33,438.0 b. Others 10,224.0 2,277.5 1,740.6 14,242.2 4 LOANS & ADVANCES 554,170.4 91,064.3 83,135.3 728,369.9 a. Private Sector 533,566.3 89,948.4 79,732.5 703,247.3 b. Financial Institutions 13,951.2 954.9 3,345.1 18,251.1 c. Government Organizations 6,652.9 161.0 57.7 6,871.5 5 BILL PURCHASED 7,132.9 27.0 32.3 7,192.2 a. Domestic Bills Purchased 584.5 27.0 32.3 643.7 b. Foreign Bills Purchased 1,770.6 1,770.6 c. Import Bills & Imports 4,777.8 4,777.8 6 LOANS AGAINST COLLECTED BILLS 416.2 416.2 a. Against Domestic Bills 103.0 103.0 b. Against Foreign Bills 313.2 313.2 7 FIXED ASSETS 17,571.6 4,035.0 4,402.8 26,009.4 8 OTHER ASSETS 76,159.2 8,676.2 7,266.6 92,102.0 a. Accrued Interest: 26,027.1 3,800.6 3,644.1 33,471.8 Financial Institutions 1,016.6 2,571.2 211.4 3,799.2 Government Enterprises 233.0 16.3 2.1 251.4 Private Sector 24,777.5 1,213.2 3,430.5 29,421.2 b. Staff Loans / Adv. 13,700.7 508.8 310.9 14,520.5 c. Sundry Debtors 12,528.9 764.1 541.0 13,834.0 d. Cash In Transit 738.5 5.7 0.9 745.1 e. Others 23,163.9 3,597.0 2,769.7 29,530.6 9 Expenses not Written off 402.6 92.0 57.4 551.9 10 Non Banking Assets 1,598.9 535.8 188.2 2,322.8 11 Reconcillation Account ‐14,627.6 3,420.5 1,418.5 ‐9,788.7 12 Profit & Loss A/c 775.8 1,027.0 2,140.6 3,943.3 TOTAL ASSETS 942,773.2 149,022.4 126,496.3 1,218,291.9

8 Agregate Profit & Loss Account Rs. In million Expenses Class "A" Class "B" Class "C" Total 1 Interest Expenses 25,264.5 5,343.1 5,027.4 35,635.0 1.1 Deposit Liabilities 24,991.1 5,144.7 4,787.1 34,922.8 1.1.1 Saving A/c 6,470.0 2,133.8 1,675.9 10,279.7 1.1.2 Fixed A/c 13,487.6 2,034.2 2,991.6 18,513.4 1.1.2.1 Upto 3 Months Fixed A/c 908.5 107.4 138.5 1,154.4 1.1.2.2 3 to 6 Months fixed A/c 726.0 70.7 89.7 886.4 1.1.2.3 6 Months to 1 Year Fixed A/c 5,086.8 1,100.5 1,461.9 7,649.2 1.1.2.4 Above 1 Year 6,766.3 755.6 1,301.5 8,823.5 1.1.3 Call Deposit 5,030.3 976.7 119.4 6,126.4 1.1.4 Certificate of Deposits 3.1 0.0 0.1 3.3 1.2 Others 273.4 198.4 240.4 712.2 2 Commission/Fee Expense 153.9 2.9 1.1 157.9 3 Employees Expenses 4,925.4 744.7 492.5 6,162.6 4 Office Operatiing Expenses 4,093.2 902.6 576.3 5,572.1 5 Exchange Fluctuation Loss 14.6 11.7 26.3 5.1 Due to Change in Exchange Rates 0.5 11.7 12.2 5.2 Due to Foreign Currency Transactions 14.1 0.1 14.2 6 Non‐Operatiing Expenses 13.2 89.9 28.7 131.7 7. Provision for Risk 5,006.2 1,390.2 2,400.4 8,796.9 7.1 Loan loss Provision 4,827.2 898.8 2,324.8 8,050.8 7.1.1 General Loan loss Provision 1,320.8 102.6 148.8 1,572.1 7.1.2 Special Loan Loss Provision 3,466.5 794.7 2,147.3 6,408.5 7.1.3 Additional Loan Loss Provision 40.0 1.5 28.7 70.2 7.2. Provision for Non‐Banking Assets 17.4 454.4 50.1 521.8 7.3. Provision for Loss on Investment 110.7 35.6 25.6 171.8 7.4. Provision for Loss of Other Assets 51.0 1.5 52.5 8 Loan Written Off 183.7 0.0 22.9 206.6 9 Provision for Staff Bonus 632.5 80.7 50.1 763.3 10 Provision for Income Tax 1,850.2 231.1 151.6 2,232.9 11 Others 3.2 161.0 4.1 168.3 12 Net Profit 5,718.8 813.2 656.5 7,188.5 TOTAL EXPENSES 47,859.3 9,771.1 9,411.7 67,042.1

Income Class "A" Class "B" Class "C" Total 1. Interest Income 39,781.7 7,852.0 6,581.1 54,214.8 1.1. On Loans and Advance 35,467.4 6,606.0 5,690.3 47,763.7 1.2. On Investment 3,448.9 88.6 67.6 3,605.2 1.2.1 Government Bonds 3,103.0 73.7 57.7 3,234.5 1.2.2 Foreign Bonds 22.3 22.3 1.2.3 NRB Bonds 305.6 3.1 3.8 312.6 1.2.4 Deventure & Bonds 17.9 11.8 6.1 35.8 1.3 Agency Balance 243.9 66.8 71.9 382.7 1.4 On Call Deposit 212.2 847.6 413.0 1,472.7 1.5 Others 409.2 243.1 338.3 990.6 2. Comission & Discount 2,295.4 247.7 94.1 2,637.2 2.1 Bills Purchase & Discount 105.1 3.0 0.0 108.1 2.2 Comission 1,870.8 109.6 40.7 2,021.1 2.3 Others 319.5 135.0 53.4 508.0 3 Income From Exchange Fluctuation 1,332.3 12.4 12.6 1,357.3 3.1 Due to Change in Exchange Rate 458.6 1.4 12.6 472.5 3.2 Due to Foreign Currency Trans 873.8 11.0 884.8 4 Other Operating Income 1,190.3 324.1 222.0 1,736.4 5 Non Operating Income 103.6 84.0 25.2 212.7 6 Provision Written Back 1,759.6 222.5 318.2 2,300.3 7 Recovery from Written off Loan 380.1 0.9 12.3 393.4 8 Income from Extra Ordinary Expenses 240.3 0.6 240.9 9 Net Loss 775.8 1,027.0 2,146.0 3,948.7 TOTAL INCOME 47,859.3 9,771.1 9,411.5 67,041.9

9 Agregate Statement of Sector wise, Product wise and Security wise Credit Rs. In million Sectorwise Class "A" Class "B" Class "C" Total 1 Agricultural and Forest Related 17,570.3 2,918.3 1,652.3 22,141.0 2 Fishery Related 2,105.4 30.7 10.7 2,146.8 3 Mining Related 3,227.5 158.7 219.8 3,606.0 4 Manufacturing (Producing) Related 130,261.3 7,222.9 6,826.9 144,311.1 5 Construction 55,665.9 11,472.2 12,836.7 79,974.8 6 Electricity,Gas and Water 9,120.0 1,355.9 259.8 10,735.6 7 Metal Products, Machinary & Electronic Equipment & Assemblage 7,679.8 1,415.8 1,205.1 10,300.8 8 Transport, Communication and Public Utilities 24,997.7 8,692.5 7,198.3 40,888.5 9 Wholesaler & Retailer 111,906.9 17,458.6 13,022.4 142,387.8 10 Finance, Insurance and Real Estate 61,394.6 8,370.8 9,926.0 79,691.4 11 Hotel or Restaurant 13,283.5 3,137.2 2,750.5 19,171.2 12 Other Services 25,495.1 5,338.2 3,920.7 34,753.9 13 Consumption Loans 34,367.2 5,404.8 6,019.4 45,791.4 14 Local Government 1,016.6 32.0 186.5 1,235.0 15 Others 63,627.8 15,204.0 17,132.5 95,964.3 TOTAL 561,719.6 88,212.6 83,167.6 733,099.8

Product wise Class "A" Class "B" Class "C" Total 1 Term Loan 81,128.1 11,174.7 12,849.8 105,152.6 2 Overdraft 92,114.4 22,194.2 712.3 115,021.0 3 Trust Receipt Loan / Import Loan 32,998.1 210.1 33,208.2 4 Demand & Other Working Capital Loan 137,061.9 12,048.8 20,172.8 169,283.5 5 Residential Personal Home Loan (Up to Rs. 80 Lakh) 32,450.4 6,829.6 6,891.0 46,171.0 6 Real Estate Loan 67,152.2 11,601.4 15,417.3 94,170.9 7 Margin Nature Loan 6,434.1 1,894.2 2,324.8 10,653.1 8 Hire Purchase Loan 35,156.6 9,851.5 8,411.3 53,419.4 9 Deprived Sector Loan 20,505.1 3,172.8 1,963.7 25,641.6 10 Bills Purchased 7,251.1 27.0 32.3 7,310.3 11 Other Product 49,467.5 9,208.2 14,351.2 73,026.8 TOTAL LOAN & ADVANCES 561,719.6 88,212.6 83,126.3 733,058.5 Collateral Wise Class "A" Class "B" Class "C" Total 1 Gold and Silver 18,424.9 1,014.3 232.3 19,671.5 2 Government Securities 2,736.1 16.1 9.1 2,761.3 3 Non Governmental Securities 4,856.6 1,499.8 1,096.1 7,452.5 4 Fixed Deposit Receipts 7,172.2 1,454.0 2,854.5 11,480.7 4.1 Own 6,698.5 1,452.1 2,846.0 10,996.6 4.2 Other Licences Institutions 473.7 1.9 8.4 484.0 5 Collateral of Properties 472,649.6 79,694.4 75,347.9 627,691.9 5.1 Fixed Assets 380,891.9 79,199.8 74,783.0 534,874.7 5.2 Current Assets 91,757.6 494.5 565.0 92,817.2 6 Against security of Bill 9,614.7 26.9 0.1 9,641.6 6.1 Domestic Bills 475.0 26.9 0.1 502.0 6.2 Foreign Bills 9,139.6 9,139.6 7 Against Guarantee 11,152.2 1,473.9 963.0 13,589.1 7.1 Government Guarantee 2,122.2 71.1 85.8 2,279.1 7.2 Institutional Guarantee 5,884.3 467.3 410.0 6,761.6 7.3 Personal Guarantee 1,179.0 643.3 311.1 2,133.4 7.4 Collective Guarantee 40.9 281.6 15.5 338.1 7.5 International Rated Foreign Bank's Guarantee 125.3 10.0 135.3 7.6 Other Guarantee 1,800.5 0.5 140.6 1,941.6 8 Credit Card 405.5 405.5 9 Others 34,707.9 3,033.2 2,664.5 40,405.6 Total 561,719.6 88,212.6 83,167.6 733,099.8

10 Geographical Distribution of Bank & Financial Institution Branches by Number Geographical Region wise Commercial Bank Development Bank Finance Company Total Population Region No. % No. % No. % No. % % Per branch Urban 447 34.4% 185 29.4% 94 28.0% 726 32.1% Terai Rural 72 5.5% 123 19.6% 14 4.2% 209 9.2% Total 519 39.9% 308 49.0% 108 32.1% 935 41.3% 50.2% 14279 Urban 272 20.9% 147 23.4% 72 21.4% 491 21.7% Hill Rural 32 2.5% 75 11.9% 10 3.0% 117 5.2% Total 304 23.4% 222 35.3% 82 24.4% 608 26.8% 33.7% 14744 Urban 39 3.0% 10 1.6% 0 0.0% 49 2.2% Mountain Rural 32 2.5% 11 1.7% 4 1.2% 47 2.1% Total 71 5.5% 21 3.3% 4 1.2% 96 4.2% 6.7% 18702 Urban 393 30.2% 77 12.2% 140 41.7% 610 26.9% KV Rural 13 1.0% 1 0.2% 2 0.6% 16 0.7% Total 406 31.2% 78 12.4% 142 42.3% 626 27.6% 9.4% 4011 Urban 1151 88.5% 419 66.6% 306 91.1% 1876 82.8% Total Rural 149 11.5% 210 33.4% 30 8.9% 389 17.2% Total 1300 100.0% 629 100.0% 336 100.0% 2265 100.0% 100.0% 11753 Political Region wise Urban 196 15.1% 57 9.1% 37 11.0% 290 12.8% Eastern Rural 31 2.4% 36 5.7% 5 1.5% 72 3.2% Total 227 17.5% 93 14.8% 42 12.5% 362 16.0% 21.9% 16117 Urban 597 45.9% 191 30.4% 183 54.5% 971 42.9% Central Rural 57 4.4% 54 8.6% 6 1.8% 117 5.2% Total 654 50.3% 245 39.0% 189 56.3% 1088 48.0% 36.5% 8928 Urban 197 15.2% 123 19.6% 72 21.4% 392 17.3% Western Rural 38 2.9% 90 14.3% 16 4.8% 144 6.4% Total 235 18.1% 213 33.9% 88 26.2% 536 23.7% 18.6% 9226 Urban 91 7.0% 35 5.6% 13 3.9% 139 6.1% Mid‐Western Rural 12 0.9% 19 3.0% 2 0.6% 33 1.5% Total 103 7.9% 54 8.6% 15 4.5% 172 7.6% 13.5% 20839 Urban 70 5.4% 13 2.1% 1 0.3% 84 3.7% Far‐Western Rural 11 0.8% 11 1.7% 1 0.3% 23 1.0% Total 81 6.2% 24 3.8% 2 0.6% 107 4.7% 9.6% 23770 Urban 1151 88.5% 419 66.6% 306 91.1% 1876 82.8% Total Rural 149 11.5% 210 33.4% 30 8.9% 389 17.2% Total 1300 100.0% 629 100.0% 336 100.0% 2265 100.0% 100.0% 11753

11 Geographical Distribution of Deposit Rs. in million Commercial Bank Development Bank Finance Company Total Region Amount % Amount % Amount % Amount % Urban 130,803 17.2% 27,332 25.7% 13,332 15.6% 171,467 18.0% Terai Rural 13,259 1.7% 10,946 10.3% 695 0.8% 24,901 2.6% Total 144,062 18.9% 38,278 36.0% 14,028 16.5% 196,368 20.6% Urban 62,813 8.3% 25,914 24.4% 14,566 17.1% 103,292 10.8% Hill Rural 4,187 0.5% 4,535 4.3% 811 1.0% 9,532 1.0% Total 67,000 8.8% 30,448 28.7% 15,376 18.0% 112,825 11.8% Urban 4,788 0.6% 412 0.4% ‐ 0.0% 5,200 0.5% Mountain Rural 4,655 0.6% 733 0.7% 364 0.4% 5,752 0.6% Total 9,443 1.2% 1,145 1.1% 364 0.4% 10,953 1.1% Urban 536,665 70.5% 36,275 34.1% 55,317 64.9% 628,258 65.9% KV Rural 4,185 0.5% 121 0.1% 109 0.1% 4,416 0.5% Total 540,850 71.0% 36,397 34.2% 55,427 65.1% 632,673 66.4% Urban 735,069 96.5% 89,933 84.6% 83,215 97.7% 908,218 95.3% Total Rural 26,286 3.5% 16,336 15.4% 1,980 2.3% 44,601 4.7% Total 761,355 100.0% 106,269 100.0% 85,195 100.0% 952,819 100.0%

Urban 49,476 6.5% 6,620 6.2% 2,237 2.6% 58,333 6.1% Eastern Rural 5,769 0.8% 2,670 2.5% 381 0.4% 8,820 0.9% Total 55,245 7.3% 9,291 8.7% 2,618 3.1% 67,153 7.0% Urban 593,818 78.0% 52,427 49.3% 64,637 75.9% 710,882 74.6% Central Rural 8,634 1.1% 3,066 2.9% 173 0.2% 11,873 1.2% Total 602,452 79.1% 55,493 52.2% 64,810 76.1% 722,755 75.9% Urban 61,577 8.1% 26,093 24.6% 15,368 18.0% 103,038 10.8% Western Rural 6,882 0.9% 8,902 8.4% 1,254 1.5% 17,039 1.8% Total 68,459 9.0% 34,995 32.9% 16,622 19.5% 120,076 12.6% Urban 18,322 2.4% 3,171 3.0% 855 1.0% 22,348 2.3% Mid‐Western Rural 2,958 0.4% 1,106 1.0% 154 0.2% 4,218 0.4% Total 21,281 2.8% 4,277 4.0% 1,009 1.2% 26,566 2.8% Urban 11,876 1.6% 1,623 1.5% 118 0.1% 13,617 1.4% Far‐Western Rural 2,042 0.3% 591 0.6% 18 0.0% 2,651 0.3% Total 13,918 1.8% 2,214 2.1% 136 0.2% 16,268 1.7% Urban 735,069 96.5% 89,933 84.6% 83,215 97.7% 908,218 95.3% Total Rural 26,286 3.5% 16,336 15.4% 1,980 2.3% 44,601 4.7% Total 761,355 100.0% 106,269 100.0% 85,195 100.0% 952,819 100.0%

12 Geographical Distribution of Credit

Commercial bank Development Bank Finance Company Total Region No. % No. % No. % No. % Urban 147,157 26.2% 23,345 25.6% 10,655 12.8% 181,156 24.6% Terai Rural 6,620 1.2% 7,317 8.0% 226 0.3% 14,163 1.9% Total 153,777 27.4% 30,662 33.7% 10,880 13.1% 195,320 26.5% Urban 41,085 7.3% 22,436 24.6% 12,994 15.6% 76,515 10.4% Hill Rural 1,483 0.3% 2,367 2.6% 418 0.5% 4,268 0.6% Total 42,568 7.6% 24,803 27.2% 13,412 16.1% 80,783 11.0% Urban 2,097 0.4% 223 0.2% ‐ 0.0% 2,320 0.3% Mountain Rural 675 0.1% 352 0.4% 31 0.0% 1,058 0.1% Total 2,773 0.5% 574 0.6% 31 0.0% 3,378 0.5% Urban 361,214 64.3% 35,016 38.4% 58,717 70.6% 454,947 61.8% KV Rural 1,359 0.2% 35 0.0% 128 0.2% 1,522 0.2% Total 362,573 64.6% 35,051 38.5% 58,845 70.8% 456,469 62.0% Urban 551,553 98.2% 81,019 88.9% 82,366 99.0% 714,938 97.1% Total Rural 10,138 1.8% 10,072 11.1% 802 1.0% 21,011 2.9% Total 561,691 100.0% 91,091 100.0% 83,168 100.0% 735,949 100.0%

Urban 60,324 10.7% 5,312 5.8% 1,848 2.2% 67,484 9.2% Eastern Rural 2,316 0.4% 1,802 2.0% 36 0.0% 4,154 0.6% Total 62,640 11.2% 7,114 7.8% 1,884 2.3% 71,638 9.7% Urban 421,666 75.1% 49,905 54.8% 66,838 80.4% 538,409 73.2% Central Rural 3,503 0.6% 2,173 2.4% 137 0.2% 5,813 0.8% Total 425,169 75.7% 52,078 57.2% 66,975 80.5% 544,222 73.9% Urban 46,929 8.4% 21,699 23.8% 12,989 15.6% 81,617 11.1% Western Rural 3,361 0.6% 5,346 5.9% 598 0.7% 9,306 1.3% Total 50,291 9.0% 27,045 29.7% 13,588 16.3% 90,923 12.4% Urban 13,454 2.4% 2,821 3.1% 549 0.7% 16,825 2.3% Mid‐Western Rural 373 0.1% 448 0.5% 28 0.0% 849 0.1% Total 13,827 2.5% 3,269 3.6% 577 0.7% 17,673 2.4% Urban 9,180 1.6% 1,282 1.4% 141 0.2% 10,603 1.4% Far‐Western Rural 584 0.1% 303 0.3% 3 0.0% 890 0.1% Total 9,764 1.7% 1,584 1.7% 144 0.2% 11,493 1.6% Urban 551,553 98.2% 81,019 88.9% 82,366 99.0% 714,938 97.1% Total Rural 10,138 1.8% 10,072 11.1% 802 1.0% 21,011 2.9% Total 561,691 100.0% 91,091 100.0% 83,168 100.0% 735,949 100.0%

13 District-wise Distribution of Bank & Financial Institutions Branches Commercial Development Finance Popn. per Zone/District Total Bank Bank Company branch Mechi 65 26 10 101 14192 Jhapa 47 23 8 78 10393 Ilam 11 1 0 12 24652 Panchthar 4 1 1 6 33060 Taplejung 3 1 1 5 25709 Koshi 115 59 23 197 11803 Sunsari 47 18 12 77 9755 Morang 49 29 9 87 11089 Dhankuta 5 5 1 11 14921 Terhathum 4 2 1 7 14530 Sankhuwasabha 7 4 0 11 14514 Bhojpur 3 1 0 4 45980 Sagarmatha 49 7 9 65 31932 Saptari 12 0 3 15 43083 Udayapur 12 3 1 16 20123 Siraha 15 0 4 19 33849 Khotang 2 1 0 3 69710 Okhaldhunga 2 1 0 3 49440 Solukhumbu 6 2 1 9 11864 Janakpur 61 25 8 94 30549 Sarlahi 12 7 1 20 38432 Dhanusha 21 2 5 28 27443 Mahottari 10 3 1 14 46172 Dolakha 9 6 0 15 12546 Ramechhap 4 1 1 6 34219 Sindhuli 5 6 0 11 26784 Narayani 121 93 32 246 12167 Bara 16 4 2 22 31865 Rautahat 9 5 0 14 49730 Parsa 36 15 6 57 10556 Chitawan 43 57 17 117 4843 Makawanpur 17 12 7 36 11875 Bagmati 470 128 150 748 5146 Kathmandu 308 59 116 483 3605 Bhaktapur 29 8 9 46 6588 Lalitpur 69 11 16 96 4862 Rasuwa 4 0 0 4 10950 Dhading 13 13 0 26 12933 Sindhupalchok 18 9 1 28 10338 Kavre 21 23 7 51 7646 Nuwakot 8 5 1 14 19912 Gandaki 102 94 46 242 6422 Lamjung 9 7 3 19 8900 Tanahu 18 14 4 36 9183 Gorkha 12 8 1 21 12828

14 Commercial Development Finance Popn. per Zone/District Total Bank Bank Company branch Manang 2 0 0 2 3264 Syangja 10 12 3 25 11522 Kaski 51 53 35 139 3528 Lumbini 107 108 30 245 11618 Gulmi 5 11 0 16 17724 Nawalparasi 15 24 5 44 14450 Palpa 8 6 2 16 16836 Arghakhanchi 8 3 1 12 16704 Rupandehi 60 58 19 137 6472 Kapilbastu 11 6 3 20 28531 Dhaulagiri 26 11 11 48 11346 Baglung 12 3 6 21 12858 Parbat 5 4 1 10 14708 Mustang 3 0 1 4 3450 Myagdi 6 4 3 13 8749 Rapti 35 24 9 68 21684 Rolpa 2 0 1 3 75692 Dang 25 16 6 47 11869 Rukum 2 1 1 4 52720 Salyan 3 0 1 4 60894 Pyuthan 3 7 0 10 23517 Karnali 13 0 0 13 30260 Jumla 4 0 0 4 27184 Mugu 2 0 0 2 27656 Humla 3 0 0 3 17003 Kalikot 2 0 0 2 70810 Dolpa 2 0 0 2 18351 Bheri 55 30 6 91 18862 Dailekh 5 0 1 6 43973 Surkhet 12 7 0 19 18953 Jajarkot 2 0 0 2 86283 Bardiya 8 6 0 14 30496 Banke 28 17 5 50 9860 Seti 51 11 2 64 24561 Bajhang 2 0 0 2 98139 Doti 6 1 0 7 30261 Bajura 2 0 0 2 67753 Kailali 38 8 2 48 16047 Achham 3 2 0 5 51604 Mahakali 30 13 0 43 22592 Darchula 2 0 0 2 66732 Baitadi 5 1 0 6 42019 Dadeldhura 6 2 0 8 17693 Kanchanpur 17 10 0 27 16456 Total 1300 629 336 2265 11753

15 District-wise Distribution of Deposit and Credit Rs. in million Total Loan & Deposit Zone/District C/D Ratio Advances Current Saving Fixed Other Total Mechi 14,669.4 1,827.3 9,215.6 2,494.8 2,545.8 16,083.5 91.2% Jhapa 13,218.4 1,138.8 7,296.0 2,079.1 2,207.5 12,721.4 103.9% Ilam 962.9 240.0 1,100.3 300.8 219.4 1,860.5 51.8% Panchthar 349.6 191.6 431.6 43.4 64.5 731.2 47.8% Taplejung 138.5 256.9 387.6 71.5 54.4 770.5 18.0% Koshi 52,860.1 3,449.0 19,681.8 10,100.4 6,371.7 39,603.0 133.5% Sunsari 18,544.4 1,208.2 8,631.3 2,904.0 1,696.8 14,440.4 128.4% Morang 32,603.2 1,646.7 9,216.6 6,500.6 4,512.5 21,876.4 149.0% Dhankuta 721.1 247.4 801.3 174.8 72.1 1,295.6 55.7% Terhathum 224.7 86.3 293.0 70.5 15.3 465.2 48.3% Sankhuwasabha 602.3 143.6 449.2 388.8 67.6 1,049.2 57.4% Bhojpur 164.4 116.7 290.5 61.6 7.4 476.2 34.5% Sagarmatha 4,687.4 1,805.9 8,276.9 1,290.7 559.0 11,932.5 39.3% Saptari 1,370.5 444.7 2,557.5 374.1 159.8 3,536.0 38.8% Udayapur 944.8 271.0 926.8 237.2 74.4 1,509.3 62.6% Siraha 1,680.6 611.1 3,577.9 273.9 221.5 4,684.3 35.9% Khotang 232.8 173.3 352.1 49.4 35.4 610.2 38.1% Okhaldhunga 150.7 110.1 313.5 68.2 7.0 498.8 30.2% Solukhumbu 308.1 195.7 549.2 287.9 61.0 1,093.8 28.2% Janakpur 10,666.4 2,344.8 12,652.7 2,978.4 1,816.5 19,792.5 53.9% Sarlahi 1,713.9 509.1 1,696.6 206.8 213.1 2,625.6 65.3% Dhanusha 5,377.2 740.5 7,137.3 1,772.0 774.8 10,424.5 51.6% Mahottari 1,777.6 361.1 1,962.3 342.4 312.5 2,978.4 59.7% Dolakha 596.6 196.3 791.4 421.6 342.2 1,751.5 34.1% Ramechhap 328.3 247.9 454.3 98.6 23.9 824.7 39.8% Sindhuli 872.8 290.0 610.8 137.0 150.0 1,187.8 73.5% Narayani 63,477.1 5,812.6 25,444.5 14,767.5 7,531.3 53,555.9 118.5% Bara 2,903.8 704.3 1,832.9 312.5 312.9 3,162.5 91.8% Rautahat 1,311.5 444.8 1,491.5 209.7 210.2 2,356.2 55.7% Parsa 32,912.1 1,818.7 6,048.1 5,234.2 3,338.9 16,440.0 200.2% Chitawan 20,175.1 1,730.0 12,899.5 7,082.3 2,581.0 24,292.9 83.0% Makawanpur 6,174.5 1,114.8 3,172.5 1,928.8 1,088.3 7,304.5 84.5% Bagmati 470,155.6 54,502.3 182,207.7 299,158.3 113,835.5 649,703.8 72.4% Kathmandu 423,683.2 43,425.9 147,751.9 271,114.1 101,056.2 563,348.2 75.2% Bhaktapur 5,467.1 1,079.5 6,350.6 4,267.6 2,555.5 14,253.2 38.4% Lalitpur 27,317.8 8,191.7 21,152.7 19,065.9 6,652.3 55,062.6 49.6% Rasuwa 167.7 106.7 98.0 52.8 5.3 262.8 63.8% Dhading 1,225.0 376.5 1,008.7 201.5 107.3 1,694.0 72.3% Sindhupalchok 877.1 327.5 871.9 287.1 261.2 1,747.6 50.2% Kavre 10,329.4 654.6 4,201.7 3,953.3 3,078.4 11,888.1 86.9% Nuwakot 1,088.3 339.9 772.2 216.0 119.2 1,447.3 75.2% Gandaki 46,199.7 3,151.4 30,073.7 15,157.1 9,571.9 57,954.1 79.7% Lamjung 1,475.9 216.9 1,332.4 262.8 75.8 1,887.9 78.2% Tanahu 3,115.3 390.1 2,832.3 701.0 458.9 4,382.3 71.1%

16 Total Loan & Deposit Zone/District C/D Ratio Advances Current Saving Fixed Other Total Gorkha 1,298.7 246.2 1,233.6 427.0 111.3 2,018.2 64.3% Manang 41.5 60.7 48.1 9.7 1.6 120.1 34.6% Syangja 2,106.6 293.6 2,068.4 565.9 179.8 3,107.7 67.8% Kaski 38,161.7 1,943.8 22,558.9 13,190.7 8,744.5 46,437.9 82.2% Lumbini 39,826.2 4,233.4 31,145.4 10,775.4 8,694.0 54,848.2 72.6% Gulmi 1,180.7 252.4 1,972.5 403.0 90.3 2,718.2 43.4% Nawalparasi 4,143.6 523.8 3,553.5 614.5 469.0 5,160.8 80.3% Palpa 1,313.0 340.9 2,138.2 827.2 295.0 3,601.3 36.5% Arghakhanchi 399.0 205.2 1,092.6 246.2 68.3 1,612.3 24.7% Rupandehi 31,253.9 2,560.9 19,898.1 8,232.6 7,573.2 38,264.7 81.7% Kapilbastu 1,536.0 350.2 2,490.4 451.9 198.2 3,490.8 44.0% Dhaulagiri 4,241.2 785.6 3,600.5 1,333.1 791.5 6,510.7 65.1% Baglung 1,971.5 328.1 1,571.6 607.0 311.3 2,818.1 70.0% Parbat 921.0 175.2 886.1 270.8 125.1 1,457.4 63.2% Mustang 136.4 67.7 519.1 193.4 44.5 824.8 16.5% Myagdi 1,212.2 214.5 623.6 261.8 310.6 1,410.5 85.9% Rapti 6,043.8 1,359.5 5,769.2 1,211.1 789.2 9,128.9 66.2% Rolpa 95.2 165.9 312.0 26.9 7.6 512.3 18.6% Dang 5,341.6 575.1 4,506.6 1,007.5 649.5 6,738.6 79.3% Rukum 111.9 237.7 251.2 59.3 28.2 576.4 19.4% Salyan 129.2 145.9 186.5 41.4 8.7 382.5 33.8% Pyuthan 365.8 234.9 512.9 76.1 95.2 919.1 39.8% Karnali 374.2 736.9 1,104.7 132.5 116.3 2,090.5 17.9% Jumla 238.3 194.4 488.6 53.5 101.8 838.2 28.4% Mugu 37.9 120.5 139.2 15.2 2.6 277.4 13.7% Humla 31.8 105.1 223.2 19.0 5.3 352.7 9.0% Kalikot 30.6 172.8 172.1 28.6 6.5 379.9 8.1% Dolpa 35.5 144.2 81.6 16.3 0.2 242.2 14.7% Bheri 11,255.4 2,268.3 8,914.5 2,178.4 1,985.7 15,347.0 73.3% Dailekh 109.9 120.6 219.0 45.6 5.2 390.5 28.1% Surkhet 2,247.3 446.5 1,870.0 540.8 380.7 3,238.0 69.4% Jajarkot 30.7 168.8 78.6 23.5 3.9 274.8 11.2% Bardiya 781.9 264.5 1,136.3 137.0 90.3 1,628.1 48.0% Banke 8,085.7 1,267.9 5,610.6 1,431.5 1,505.6 9,815.6 82.4% Seti 7,256.6 1,615.9 5,771.7 1,376.4 920.1 9,684.2 74.9% Bajhang 36.1 175.2 209.8 53.0 3.2 441.2 8.2% Doti 247.1 348.2 359.7 108.8 23.2 839.9 29.4% Bajura 37.9 103.4 150.0 22.9 3.5 279.8 13.5% Kailali 6,857.1 738.6 4,743.1 1,125.9 882.4 7,489.9 91.6% Achham 78.3 250.4 309.2 65.9 7.9 633.4 12.4% Makakali 4,236.2 1,128.4 4,087.9 845.9 521.5 6,583.7 64.3% Darchula 74.2 225.0 313.2 40.2 4.8 583.1 12.7% Baitadi 165.8 228.6 339.2 119.5 25.8 713.2 23.2% Dadeldhura 264.6 245.8 633.7 123.9 43.2 1,046.6 25.3% Kanchanpur 3,731.7 429.0 2,801.9 562.3 447.6 4,240.8 88.0% Total 735,949.2 85,021.4 347,946.8 363,800.2 156,050.2 952,818.5 77.2%

17 Statement of Assets and Liabilities as on Poush end 2068 Rs. in million EBL Liabilities NBL RBB HBL NCC BOK NIBL NSBI NBBL NABIL SCBNL

1 CAPITAL FUND ‐4605.00 ‐8373.74 4566.29 5161.32 3677.78 4335.53 2879.29 2251.17 3113.53 2435.19 1744.24 a. Paid‐up Capital 380.00 1172.30 2029.77 3012.92 1610.17 2400.00 2102.97 2009.40 1391.57 1604.19 1400.00 b. Calls in Advance c. General Reserves 1609.00 2725.35 1836.50 1324.53 1636.33 1191.42 475.78 956.84 803.45 585.31 342.26 d. Share Premium 0.07 11.85 49.66 35.87 14.78 0.08 e. Retained Earning ‐7253.00 ‐13489.57 493.39 255.54 96.66 372.98 2.85 ‐991.19 36.09 13.37 ‐40.51 f. Others Reserves Fund 591.00 1122.28 109.05 519.28 75.43 341.35 237.75 181.35 844.74 195.33 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 2043.00 2784.04 561.84 1269.19 911.00 200.00 300.00 1150.00 a. NRB 2670.56 219.19 b. "A"Class Licensed Institution 261.84 950.00 c. Foreign Banks and Fin. Ins. 2043.00 d. Other Financial Ins. 113.48 411.00 e. Bonds and Securities 300.00 1050.00 500.00 200.00 300.00 200.00 3 DEPOSITS 48709.00 75313.54 55618.89 52355.15 37709.27 45793.20 50753.56 12932.71 45066.48 23220.00 13017.26 a. Current 8629.00 14868.05 5852.19 4540.50 11627.92 3914.16 3616.87 762.11 5081.35 2379.61 510.66 Domestic 8421.00 14822.80 4173.77 3785.98 6143.33 3045.54 3059.56 708.07 5000.85 2211.76 497.75 Foreign 208.00 45.25 1678.42 754.51 5484.59 868.62 557.31 54.04 80.50 167.85 12.92 b. Savings 28722.00 40396.83 15444.00 15418.34 14027.00 19124.06 8808.70 6194.21 14852.06 7310.61 5414.45 Domestic 28712.00 40390.85 14292.98 14834.56 11997.99 18454.55 8748.99 6177.32 14758.78 7078.16 5297.93 Foreign 10.00 5.98 1151.01 583.79 2029.01 669.51 59.71 16.89 93.28 232.46 116.52 c. Fixed 9068.00 17367.68 18337.37 20006.68 6155.26 14039.82 34197.77 2700.29 16880.80 9238.52 4434.55 Domestic 9061.00 17367.68 16776.88 18444.78 4889.82 12988.95 16549.52 2606.64 16613.03 7840.60 4352.20 Foreign 7.00 1560.49 1561.89 1265.44 1050.87 17648.26 93.65 267.77 1397.92 82.35 d. Call Deposits 1727.00 2039.92 15314.96 11691.30 5192.23 7820.13 3952.33 3051.95 7515.47 3977.55 2528.12 e. Others 563.00 641.06 670.38 698.33 706.86 895.03 177.89 224.16 736.80 313.70 129.48 4 Bills Payable 37.00 19.06 119.30 5.35 46.97 92.66 115.53 11.56 144.55 21.42 5.81 5 Other Liabilities 10739.00 21050.02 6959.14 4438.14 2384.89 3003.25 1809.58 5046.56 1230.88 1363.85 1936.14 1. Sundry Creditors 4501.00 642.50 2882.66 557.83 333.13 86.31 518.61 147.77 113.03 132.02 102.15 2. Loan Loss Provision 2348.00 3996.81 1199.32 949.12 263.50 1526.96 370.88 1868.76 639.02 529.84 356.23 3. Interest Suspense a/c 3403.00 14235.28 276.90 351.51 184.72 763.50 157.21 1107.08 128.08 36.42 139.29 4. Others 487.00 2175.43 2600.27 2579.68 1603.55 626.49 762.88 1922.96 350.75 665.57 1338.47 6 Reconcillation A/c ‐2087.00 16.37 42.69 0.00 13.02 10.20 7 Profit & Loss A/c 553.33 658.66 478.74 555.17 339.99 204.70 147.64 487.03 270.22 107.94 TOTAL LIABILITIES 54836.00 91346.25 68484.12 63724.25 44374.08 54518.32 55962.67 20402.67 50352.68 28460.67 16811.39 Assets 1 LIQUID FUNDS 18692.00 13988.36 5270.46 10119.85 7278.66 4054.59 12259.06 2336.02 6354.19 2146.92 1692.65 a. Cash Balance 1491.00 1653.29 684.68 1223.51 513.83 606.24 1087.00 701.21 1590.13 450.16 425.63 Nepalese Notes & Coins 1436.00 1582.56 649.72 1159.32 449.10 532.88 1058.12 684.74 1563.40 442.01 413.04 Foreign Currency 55.00 70.73 34.96 64.18 64.72 73.36 28.87 16.47 26.73 8.15 12.59 b. Bank Balance 17201.00 12135.07 3977.54 8796.34 3135.92 3371.93 11172.06 1634.81 4764.06 1696.76 1267.02 1. In Nepal Rastra Bank 15657.00 11695.82 3639.20 7698.81 2337.73 2418.92 3063.77 1422.23 4472.96 1219.58 887.41 Domestic Currency 15595.00 11636.64 3622.71 7601.86 2263.96 2350.63 3000.44 1416.85 4454.88 1192.57 886.09 Foreign Currency 62.00 59.18 16.49 96.95 73.77 68.30 63.33 5.38 18.08 27.01 1.32 2. "A"Class Licensed Institution 786.00 86.35 87.57 73.63 52.04 139.19 45.37 31.91 44.79 91.77 98.19 Domestic Currency 785.00 86.35 87.57 73.60 52.04 121.94 40.25 31.06 43.61 88.11 96.66 Foreign Currency 1.00 0.04 17.25 5.13 0.85 1.18 3.66 1.53 3. Other Financial Ins. 0.72 4. In Foreign Banks 758.00 352.90 250.76 1023.90 746.16 813.82 8062.92 179.95 246.31 385.41 281.42 c. Money at Call 200.00 608.24 100.00 3628.91 76.42 Domestic Currency 200.00 100.00 58.00 Foreign Currency 608.24 3628.91 18.42 2 INVESTMENT IN SECURITIES 7060.00 18594.91 7665.28 4170.70 11608.74 10629.01 5238.26 3358.59 5248.55 5459.53 2951.96 a. Govt.Securities 7060.00 18382.59 7460.11 4170.70 11600.25 10629.01 5238.26 3358.59 5248.55 5459.53 2851.96 b. NRB Bond c. Govt.Non‐Fin. Ins. 212.32 8.49 d. Other Non‐Fin Ins. 100.00 e Non Residents 205.16 3 SHARE & OTHER INVESTMENT 2300.00 3129.78 7037.23 4121.63 4457.73 1103.95 13026.59 222.14 890.48 318.67 224.43 a. Non Residents 2024.00 5034.34 3831.56 4348.31 932.97 12986.94 82.30 780.90 245.40 79.94 b. Others 276.00 3129.78 2002.89 290.07 109.43 170.98 39.65 139.84 109.58 73.27 144.49 4 LOANS & ADVANCES 27444.00 36388.26 41498.84 41054.21 18050.96 32886.53 23089.33 10672.92 36227.58 17840.05 9808.05 a. Private Sector 27444.00 36037.71 40384.07 39845.96 16467.19 32886.53 22522.59 10395.31 29187.48 17132.07 9451.71 b. Financial Institutions 322.73 834.78 700.41 1444.96 566.73 181.20 4477.45 558.12 244.50 c. Government Organizations 27.82 279.99 507.85 138.81 96.41 2562.65 149.86 111.84 5 BILL PURCHASED 13.00 75.52 29.77 199.85 1072.52 2168.62 112.75 72.36 41.76 1297.73 13.18 a. Domestic Bills Purchased 55.28 74.40 0.07 89.08 28.21 5.34 b. Foreign Bills Purchased 11.00 20.24 29.77 26.60 1072.44 44.26 112.75 44.15 36.42 31.90 13.18 c. Import Bills & Imports 2.00 98.86 2035.28 1265.83 6 LOANS AGAINST COLLECTED BILLS 87.85 15.20 a. Against Domestic Bills 87.85 15.20 b. Against Foreign Bills 7 FIXED ASSETS 382.00 1012.23 901.15 1113.14 498.21 1221.67 1073.77 306.95 578.97 929.49 503.54 8 OTHER ASSETS 9982.00 20612.76 5993.54 2944.87 1381.53 2342.77 1155.89 3106.55 959.36 449.15 1044.06 a. Accrued Interest: 3400.00 14196.92 547.83 429.72 437.03 925.08 306.13 1159.74 131.36 147.59 167.11 b. Staff Loans / Adv. 1921.00 3092.68 766.29 119.11 206.90 799.23 204.28 325.49 716.64 72.27 142.62 c. Sundry Debtors 321.00 1009.03 2573.57 130.54 203.63 328.25 38.65 25.37 74.01 98.31 d. Cash In Transit 552.00 147.85 0.00 3.50 e. Others 3788.00 2166.28 2105.85 2265.49 533.97 618.46 317.23 1582.66 85.99 151.77 636.03 9 Expenses not Written off 41.00 0.11 25.72 102.87 7.04 1.28 10 Non Banking Assets 367.00 134.93 8.31 325.87 51.79 3.94 469.90 11 Reconcillation Account ‐12168.00 ‐2590.61 103.62 12 Profit & Loss A/c 723.00 TOTAL ASSETS 54836.00 91346.25 68484.12 63724.25 44374.08 54518.32 55962.67 20402.67 50352.68 28460.67 16811.39

18 Statement of Assets and Liabilities as on Poush end 2068 Rs. in million NIC LBL Liabilities SBL MBL BOA DCBL Laxmi Prime Global ADBNL Kumari Sunrise Citizens

1 CAPITAL FUND 1930.21 1849.17 1783.39 2360.47 2113.86 1988.40 13270.27 1709.48 2233.91 2486.86 2154.44 2146.06 2117.88 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 1644.68 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 0.03 20.89 17.72 17.65 11.27 32.50 ‐3129.43 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 5271.50 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 339.74 431.33 478.13 350.00 373.86 2537.96 324.40 541.60 82.20 a. NRB 426.70 10.00 117.38 10.00 541.60 b. "A"Class Licensed Institution 139.74 4.63 78.13 15.00 314.40 82.20 c. Foreign Banks and Fin. Ins. 76.09 d. Other Financial Ins. 45.00 120.59 e. Bonds and Securities 200.00 400.00 350.00 227.77 2300.00 3 DEPOSITS 19416.19 7006.94 17347.34 20091.09 19736.75 23262.80 37947.59 17498.43 15588.45 21154.90 14297.42 16446.03 11739.58 a. Current 1981.43 323.79 490.46 700.61 752.70 503.39 2740.45 623.94 491.51 469.30 204.35 418.33 196.74 Domestic 1967.84 285.71 470.42 680.97 665.28 390.20 2719.86 538.94 479.68 462.77 196.99 373.19 192.54 Foreign 13.60 38.08 20.04 19.63 87.42 113.19 20.59 85.00 11.83 6.53 7.36 45.14 4.20 b. Savings 4074.17 2107.71 6803.80 4940.14 3762.34 4264.19 18985.81 4745.66 3572.34 2386.36 2704.40 5741.55 1315.46 Domestic 4037.37 2093.28 6783.47 4870.66 3603.16 4238.18 18985.81 4695.52 3554.19 2378.54 2701.54 5730.36 1306.02 Foreign 36.81 14.43 20.32 69.48 159.18 26.01 50.15 18.15 7.82 2.86 11.19 9.44 c. Fixed 8726.74 3707.00 5320.31 8321.49 9776.51 10872.59 16175.77 8575.19 8918.89 8312.65 7708.07 6881.50 5444.60 Domestic 8476.54 3694.67 5149.99 7661.89 8361.44 9968.39 16175.77 8096.23 8672.29 8032.32 7166.71 6306.10 5115.63 Foreign 250.21 12.33 170.32 659.60 1415.07 904.20 478.96 246.60 280.33 541.36 575.40 328.97 d. Call Deposits 4515.57 827.58 4581.56 5959.06 5153.84 7316.49 35.22 3227.83 2532.52 9842.06 3621.82 3156.30 4581.05 e. Others 118.26 40.87 151.21 169.79 291.36 306.14 10.35 325.81 73.18 144.53 58.78 248.35 201.73 4 Bills Payable 18.86 2.85 6.52 30.99 2.19 13.58 13.34 5.76 21.11 4.78 0.62 5 Other Liabilities 988.18 536.97 959.68 1616.16 1412.21 1500.37 17465.15 1451.85 958.62 984.26 1890.61 1331.79 551.54 1. Sundry Creditors 293.57 119.15 10.42 544.50 81.14 437.65 950.74 754.11 0.20 11.45 3.67 2. Loan Loss Provision 300.29 150.50 260.85 504.15 220.05 361.62 6202.70 473.04 252.14 361.69 182.87 516.08 208.65 3. Interest Suspense a/c 61.02 73.78 245.41 187.78 53.27 104.33 1970.42 76.42 108.66 81.41 103.65 214.00 82.67 4. Others 333.30 193.55 443.01 379.73 1057.74 596.77 8341.30 148.28 597.61 529.71 1604.10 598.05 260.22 6 Reconcillation A/c 11.87 1.34 380.36 ‐21.13 7 Profit & Loss A/c 209.98 56.26 5.79 25.13 176.83 93.19 688.27 104.95 113.52 70.31 116.06 38.55 127.07 TOTAL LIABILITIES 22915.03 9452.19 20535.39 24601.97 23791.84 27218.63 72289.60 20778.30 19232.23 25243.68 18479.65 20049.41 14515.56 Assets 1 LIQUID FUNDS 2019.00 1382.23 3077.46 3067.52 3681.91 4106.27 6363.16 1661.11 4879.76 4976.78 1311.75 3844.18 2483.81 a. Cash Balance 372.82 204.18 925.06 465.83 317.64 490.67 1588.31 398.16 561.52 827.96 252.72 551.33 400.42 Nepalese Notes & Coins 359.06 197.65 886.41 446.62 289.70 460.15 1588.22 379.23 544.37 809.47 245.45 539.67 359.08 Foreign Currency 13.76 6.53 38.65 19.21 27.94 30.52 0.10 18.93 17.15 18.49 7.27 11.65 41.34 b. Bank Balance 1346.19 1178.05 2152.41 2255.39 3364.27 2923.57 4774.85 1262.96 4110.50 3573.38 894.43 3073.76 2083.40 1. In Nepal Rastra Bank 1186.73 1069.64 1947.84 1968.54 2481.45 2656.28 4102.54 867.51 3843.12 2986.08 774.79 2607.15 1554.74 Domestic Currency 1178.92 1058.28 1917.15 1955.80 2439.41 2634.83 4102.54 850.80 3833.85 2974.53 758.03 2593.21 1552.51 Foreign Currency 7.81 11.35 30.68 12.74 42.04 21.45 16.71 9.28 11.55 16.76 13.95 2.24 2. "A"Class Licensed Institution 66.18 35.76 127.34 42.74 141.00 187.06 28.32 46.84 71.26 36.06 75.91 101.23 Domestic Currency 65.72 35.44 123.62 40.65 124.12 21.48 24.68 42.96 70.52 35.39 75.26 99.57 Foreign Currency 0.46 0.32 3.72 2.08 16.88 165.58 3.64 3.88 0.74 0.68 0.65 1.66 3. Other Financial Ins. 5.59 637.58 76.47 4. In Foreign Banks 93.28 72.65 71.64 244.12 741.82 80.22 34.73 367.13 220.55 516.04 83.57 390.70 350.96 c. Money at Call 300.00 346.29 692.04 207.74 575.44 164.60 219.09 Domestic Currency 300.00 535.00 193.75 289.87 138.71 Foreign Currency 346.29 157.04 13.99 285.57 164.60 80.39 2 INVESTMENT IN SECURITIES 4244.77 832.66 1546.77 2649.18 1403.12 1506.02 8617.40 2757.06 575.27 570.32 2381.69 1075.74 1492.10 a. Govt.Securities 4010.31 832.66 1546.77 2649.18 1353.12 1506.02 8617.40 2757.06 575.27 570.32 2381.69 1075.74 1319.61 b. NRB Bond 172.49 c. Govt.Non‐Fin. Ins. 50.00 d. Other Non‐Fin Ins. e Non Residents 234.46 3 SHARE & OTHER INVESTMENT 30.17 87.79 285.35 302.20 992.01 478.50 348.80 315.29 254.95 216.22 887.36 391.83 169.92 a. Non Residents 82.20 196.55 206.13 500.51 186.33 297.79 226.59 6.02 142.96 348.47 82.45 b. Others 30.17 5.59 88.80 96.08 491.50 292.17 348.80 17.50 28.36 210.20 744.40 43.36 87.47 4 LOANS & ADVANCES 15308.25 6636.28 13759.57 16673.91 15438.94 19196.77 40969.70 14828.65 12537.87 18742.75 12127.80 13636.73 9666.94 a. Private Sector 15051.08 6425.06 13364.89 16300.91 14984.51 18185.18 40289.34 14828.65 11990.75 18284.94 11731.64 12869.54 9377.18 b. Financial Institutions 257.17 211.22 348.88 226.49 319.79 680.37 304.93 340.00 318.97 676.57 224.99 c. Government Organizations 45.80 146.51 134.63 1011.59 242.19 117.80 77.19 90.61 64.77 5 BILL PURCHASED 14.62 0.13 14.35 41.53 885.90 282.27 28.86 73.37 120.40 6.12 18.15 a. Domestic Bills Purchased 8.00 6.84 11.43 20.67 17.36 28.86 73.37 119.98 3.51 18.15 b. Foreign Bills Purchased 6.62 0.13 7.51 30.10 6.61 264.91 0.42 2.61 c. Import Bills & Imports 858.63 6 LOANS AGAINST COLLECTED BILLS 5.14 a. Against Domestic Bills b. Against Foreign Bills 5.14 7 FIXED ASSETS 348.26 187.09 744.06 595.13 405.20 568.17 1071.67 359.55 369.28 302.57 326.80 521.37 439.56 8 OTHER ASSETS 942.38 269.38 944.36 1269.73 984.74 1083.33 14775.96 827.78 534.02 313.47 1444.24 510.47 214.20 a. Accrued Interest: 80.12 72.20 278.73 287.29 161.25 138.98 1970.42 55.91 122.24 81.41 103.65 243.72 126.77 b. Staff Loans / Adv. 56.34 44.07 140.78 148.17 135.68 225.65 3647.55 106.13 88.61 13.42 62.73 57.06 21.63 c. Sundry Debtors 670.60 81.17 63.08 8.52 18.44 390.88 5707.64 646.77 18.14 2.64 1.02 d. Cash In Transit 35.15 e. Others 135.31 71.94 461.78 790.60 669.37 327.82 3450.35 18.97 305.04 218.64 1277.86 207.05 64.78 9 Expenses not Written off 7.58 157.47 2.56 8.33 30.88 10 Non Banking Assets 56.61 6.00 0.03 142.91 1.17 27.79 11 Reconcillation Account 0.02 2.77 ‐2.71 26.85 12 Profit & Loss A/c TOTAL ASSETS 22915.03 9452.19 20535.39 24601.97 23791.84 27218.63 72289.60 20778.30 19232.23 25243.68 18479.65 20049.41 14515.56

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

Liabilities Kist NIDC NMB SDBL PDBL UDBL Mega MDBL Janata CTBNL Malika Century Narayani Civil Bank Civil Uddhyam

1 CAPITAL FUND 2211.46 2143.33 1476.87 1711.43 1423.33 1204.60 1135.65 865.87 61.58 250.14 686.35 13.85 884.67 116.38 386.56 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 4.55 0.23 423.60 3.49 22.62 38.07 1.84 72.06 11.11 23.93 d. Share Premium 10.08 0.34 0.54 e. Retained Earning 7.13 71.59 32.16 19.09 15.87 0.82 34.71 ‐60.99 2.18 22.34 1.50 ‐68.39 ‐188.28 36.33 20.36 f. Others Reserves Fund 1.78 4.04 36.53 56.47 2.91 3.44 20.95 87.44 0.92 1.78 0.86 3.33 5.21 g. Exchange Fluctuation Fund 6.41 0.10 0.11 0.11 0.03 2 BORROWINGS 64.75 54.41 798.73 45.05 299.45 0.34 58.65 36.20 1.62 a. NRB 50.00 47.88 b. "A"Class Licensed Institution 14.75 54.41 798.73 45.05 251.57 36.20 c. Foreign Banks and Fin. Ins. d. Other Financial Ins. 0.34 1.62 e. Bonds and Securities 58.65 3 DEPOSITS 14130.97 18220.58 6046.31 8287.67 4104.73 6061.90 2372.31 304.49 193.94 1439.68 4055.46 10.95 2241.34 1015.38 1765.55 a. Current 517.45 324.34 104.11 189.52 76.06 126.14 20.36 13.33 6.12 20.25 79.92 37.42 6.07 Domestic 514.59 316.80 103.60 135.01 73.46 115.03 20.22 13.33 6.12 20.25 79.87 36.12 6.07 Foreign 2.86 7.54 0.51 54.51 2.60 11.11 0.14 0.05 1.30 b. Savings 2489.26 8465.06 645.79 2980.74 613.27 513.23 710.12 51.21 43.68 1258.53 2016.62 10.45 354.15 654.14 1013.15 Domestic 2485.35 8464.16 645.66 2978.04 604.24 511.29 708.47 51.21 43.68 1258.53 2016.62 10.45 354.15 654.14 1013.15 Foreign 3.91 0.91 0.12 2.71 9.03 1.93 1.65 c. Fixed 7888.81 6663.22 2911.57 3575.76 1620.09 2420.99 1090.73 220.88 78.00 111.63 1250.29 0.50 751.93 359.55 516.01 Domestic 6735.73 6591.09 2659.57 3468.06 1538.19 2174.39 1008.83 220.88 78.00 111.63 1250.29 0.50 751.93 359.55 516.01 Foreign 1153.07 72.13 252.00 107.69 81.90 246.60 81.90 d. Call Deposits 3048.74 2704.71 2338.95 1456.15 1761.87 2860.39 543.63 19.07 66.14 48.66 704.56 1059.64 225.93 e. Others 186.72 63.26 45.89 85.50 33.45 141.16 7.47 0.60 4.08 38.20 1.69 4.39 4 Bills Payable 1.33 3.58 6.33 12.97 0.74 5 Other Liabilities 499.06 1031.00 255.99 354.88 114.63 157.92 75.14 4065.33 20.79 162.61 193.03 58.79 361.74 83.18 82.83 1. Sundry Creditors 19.27 87.93 3.85 5.31 1.97 26.53 63.95 1.22 3.37 15.72 8.03 4.95 6.25 2. Loan Loss Provision 208.36 424.20 58.22 104.69 40.38 53.42 19.24 907.65 8.74 41.52 49.96 14.25 105.97 26.53 28.29 3. Interest Suspense a/c 72.10 177.54 8.08 36.82 0.10 7.80 4.64 2457.96 6.24 12.84 18.95 17.62 83.62 36.82 5.05 4. Others 199.33 341.34 185.84 213.37 68.84 94.72 24.73 635.77 4.59 104.88 108.40 18.89 172.15 14.88 43.25 6 Reconcillation A/c 0.00 91.77 326.55 7 Profit & Loss A/c 85.98 2.39 1.09 86.06 22.54 31.34 12.53 TOTAL LIABILITIES 16928.81 21465.63 7839.91 11165.69 5688.84 7724.61 3583.10 5413.52 276.32 1874.96 4966.51 142.25 3487.75 1577.68 2249.09 Assets 1 LIQUID FUNDS 2271.84 1805.20 599.59 870.36 797.44 1474.72 962.72 660.09 71.69 447.97 964.65 36.69 466.53 322.78 614.85 a. Cash Balance 484.38 476.13 150.97 127.78 137.76 183.75 48.44 8.96 10.91 48.85 81.24 0.70 42.34 32.47 65.74 Nepalese Notes & Coins 464.07 465.63 146.45 121.00 126.23 176.86 46.92 8.96 10.91 46.62 81.10 0.70 41.79 32.47 65.74 Foreign Currency 20.32 10.50 4.51 6.77 11.53 6.88 1.52 2.23 0.15 0.55 b. Bank Balance 1647.38 1308.23 353.36 588.68 388.18 1160.97 603.61 651.13 60.78 75.36 234.27 35.99 424.20 290.31 99.38 1. In Nepal Rastra Bank 997.24 1135.85 245.94 577.45 325.82 1036.97 508.22 45.62 0.11 76.77 222.29 4.44 36.19 0.58 3.00 Domestic Currency 962.76 1115.17 245.62 576.30 323.76 1018.45 508.17 45.62 0.11 76.77 222.29 4.44 36.19 0.58 3.00 Foreign Currency 34.48 20.67 0.32 1.15 2.06 18.51 0.05 2. "A"Class Licensed Institution 129.28 30.56 42.28 18.34 14.55 20.04 83.63 545.07 15.78 ‐1.41 11.97 1.57 318.05 113.82 96.07 Domestic Currency 129.28 30.41 42.28 18.34 14.55 17.56 1.70 545.07 15.78 ‐1.41 11.97 1.57 316.35 113.82 96.07 Foreign Currency 0.15 2.48 81.92 1.70 3. Other Financial Ins. 0.03 1.60 60.43 44.90 29.98 69.96 175.92 0.31 4. In Foreign Banks 520.83 141.82 65.14 ‐7.12 46.21 103.96 11.76 c. Money at Call 140.07 20.84 95.26 153.91 271.50 130.01 310.67 323.75 649.14 449.73 Domestic Currency 20.84 145.50 227.00 130.01 310.67 323.75 642.98 449.73 Foreign Currency 140.07 95.26 8.41 44.50 6.16 2 INVESTMENT IN SECURITIES 1295.94 3750.12 838.96 910.81 510.79 456.79 462.20 32.96 61.15 204.19 169.56 5.00 a. Govt.Securities 1275.94 3750.12 838.96 910.81 510.79 456.79 462.20 32.96 61.15 204.19 169.56 5.00 b. NRB Bond c. Govt.Non‐Fin. Ins. d. Other Non‐Fin Ins. 20.00 e Non Residents 3 SHARE & OTHER INVESTMENT 632.95 89.11 1048.40 116.97 264.39 1.50 24.69 38.97 4.05 123.64 17.50 a. Non Residents 286.55 230.24 116.97 27.98 10.08 b. Others 346.39 89.11 818.17 264.39 1.50 24.69 10.99 4.05 113.56 17.50 4 LOANS & ADVANCES 11481.91 13636.00 5817.60 7761.00 4037.85 5027.24 1923.89 1399.01 166.05 1130.13 3357.45 68.68 2406.57 715.44 1477.03 a. Private Sector 10911.07 13601.09 5694.86 7367.00 3885.29 4744.84 1923.89 1359.40 165.65 1130.13 3357.45 68.68 2374.92 712.72 1477.03 b. Financial Institutions 218.02 122.74 95.00 27.76 247.37 31.65 c. Government Organizations 352.81 34.91 299.00 124.79 35.02 39.61 0.40 2.72 5 BILL PURCHASED 517.23 21.16 4.86 6.90 18.09 a. Domestic Bills Purchased 17.00 6.90 18.09 b. Foreign Bills Purchased 4.16 4.86 c. Import Bills & Imports 517.23 6 LOANS AGAINST COLLECTED BILLS 308.06 a. Against Domestic Bills b. Against Foreign Bills 308.06 7 FIXED ASSETS 300.34 1420.12 268.78 304.81 148.84 248.56 120.28 113.91 16.62 53.18 313.78 2.36 127.83 9.29 52.20 8 OTHER ASSETS 425.99 726.12 303.34 231.93 193.92 81.87 109.43 2857.79 11.87 152.32 69.39 31.04 193.41 65.28 68.64 a. Accrued Interest: 100.52 253.29 23.36 43.89 3.78 15.65 15.43 2457.96 6.24 3.03 20.75 19.05 88.27 36.82 6.33 b. Staff Loans / Adv. 35.30 300.04 61.53 85.20 50.95 6.28 47.07 15.24 2.64 29.94 22.37 0.00 26.24 6.31 31.81 c. Sundry Debtors 32.42 21.16 14.92 23.39 25.76 185.07 1.57 25.39 12.07 10.70 9.45 10.62 d. Cash In Transit 5.60 e. Others 257.75 151.63 203.54 102.83 139.19 36.55 21.16 199.53 1.41 93.96 14.21 1.29 78.89 12.70 14.27 9 Expenses not Written off 17.79 1.52 1.10 12.56 10 Non Banking Assets 2.61 2.45 4.43 0.30 72.55 11 Reconcillation Account 0.00 0.48 85.37 326.17 1.31 12 Profit & Loss A/c 6.77 38.37 3.02 4.59 4.62 3.18 47.25 15.09 TOTAL ASSETS 16928.81 21465.62 7839.91 11165.69 5688.84 7724.61 3583.10 5413.52 276.32 1874.96 4966.51 142.25 3487.75 1577.68 2249.09

20 Statement of Assets and Liabilities as on Poush end 2068 Rs. in million r Liabilities e Triveni Karnali Sanima Gurkha Bhrikuti Gandaki Business Sahayogi Pashupati Biratlaxmi Suvekchha Annapurna Bageshwori Gaurishanka Infrastructur 1 CAPITAL FUND 102.91 700.71 92.20 187.99 809.01 368.90 137.08 139.51 2119.04 251.59 ‐436.79 246.38 762.81 735.32 171.50 a. Paid‐up Capital 75.00 663.17 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 16.22 33.25 35.44 7.74 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 22.32 1.41 101.37 11.61 20.53 0.94 20.71 3.88 ‐1187.83 4.50 ‐1.28 2.67 0.54 f. Others Reserves Fund 15.13 0.28 10.50 0.06 0.28 42.60 0.62 2.17 0.36 52.87 2.17 4.72 0.02 0.96 g. Exchange Fluctuation Fund 0.00 0.10 2 BORROWINGS 40.00 1.49 65.00 104.50 a. NRB 15.00 b. "A"Class Licensed Institution 50.00 64.50 c. Foreign Banks and Fin. Ins. d. Other Financial Ins. 40.00 1.49 40.00 e. Bonds and Securities 3 DEPOSITS 1121.65 566.33 885.71 1814.15 1244.05 2383.46 874.79 1282.54 7324.24 767.81 1928.85 1706.35 1567.96 1727.99 2043.61 a. Current 34.58 9.35 33.51 5.93 30.65 25.25 8.48 194.60 15.88 190.09 52.58 20.69 32.01 35.78 Domestic 34.58 9.35 33.51 5.93 30.65 25.25 8.48 194.00 15.88 190.09 52.58 20.69 32.01 35.78 Foreign 0.60 b. Savings 872.08 206.85 755.55 902.75 498.31 1340.63 328.37 881.54 3120.10 482.55 860.94 792.41 461.67 747.53 1106.18 Domestic 872.08 206.85 755.55 902.75 498.31 1340.63 328.37 881.54 3101.55 482.55 860.78 792.41 461.67 747.53 1106.18 Foreign 18.55 0.16 c. Fixed 188.21 178.85 127.41 585.73 321.30 467.43 349.29 113.61 3127.95 108.30 502.50 402.75 683.43 351.99 591.47 Domestic 188.21 178.85 127.41 585.73 321.30 467.43 349.29 113.61 3074.77 108.30 502.50 402.75 683.43 351.99 591.47 Foreign 53.18 d. Call Deposits 26.78 171.02 290.54 418.34 541.57 171.89 251.85 869.63 161.08 368.11 456.75 395.98 594.31 307.54 e. Others 0.26 2.75 1.63 0.18 3.18 27.08 11.97 7.21 1.86 6.19 2.15 2.65 4 Bills Payable 0.01 1.43 5 Other Liabilities 36.69 75.62 34.55 54.22 353.01 100.44 48.02 30.78 253.69 44.81 2887.07 68.48 129.22 78.10 81.42 1. Sundry Creditors 4.17 2.61 1.26 11.36 7.70 2.77 3.09 1.49 22.46 3.29 1.00 1.12 2.29 1.49 8.65 2. Loan Loss Provision 14.36 50.32 13.57 23.25 216.51 30.02 20.25 18.17 81.57 15.37 1185.56 18.40 32.50 15.66 24.65 3. Interest Suspense a/c 3.79 20.88 12.80 8.05 27.79 6.76 10.29 2.84 32.11 7.61 223.84 7.61 36.10 15.77 2.31 4. Others 14.38 1.81 6.92 11.56 101.01 60.88 14.39 8.29 117.56 18.54 1476.68 41.35 58.33 45.19 45.82 6 Reconcillation A/c 308.58 648.61 2.91 0.17 ‐0.10 0.00 0.37 7 Profit & Loss A/c 15.32 28.11 19.73 21.34 3.46 26.20 59.14 15.67 29.00 19.99 41.27 20.27 TOTAL LIABILITIES 1276.57 1370.78 1012.46 2384.68 2406.08 3522.76 1103.35 1483.43 9821.11 1080.05 4483.53 2050.22 2479.97 2584.49 2316.79 Assets 1 LIQUID FUNDS 394.23 425.79 348.82 460.56 867.66 779.63 220.87 407.49 962.31 372.33 230.25 703.19 617.83 835.83 659.07 a. Cash Balance 27.48 33.68 60.79 77.08 44.63 67.87 47.53 49.16 126.01 33.47 47.23 51.51 62.08 34.15 50.49 Nepalese Notes & Coins 27.48 33.66 60.79 76.75 44.63 67.87 47.53 47.78 120.85 33.47 46.24 49.74 61.20 33.81 50.46 Foreign Currency 0.02 0.33 1.38 5.17 0.99 1.76 0.88 0.34 0.04 b. Bank Balance 77.46 392.11 23.11 165.72 302.53 127.71 173.34 82.16 596.07 13.49 1.03 651.68 555.75 100.19 126.62 1. In Nepal Rastra Bank 60.17 5.60 23.11 0.11 27.29 5.17 74.66 476.88 0.99 0.92 82.34 89.23 98.21 125.00 Domestic Currency 60.17 5.60 23.11 0.11 27.29 5.17 74.66 476.29 0.99 0.63 82.34 88.75 98.21 125.00 Foreign Currency 0.59 0.29 0.49 2. "A"Class Licensed Institution 17.29 358.34 158.20 275.24 121.36 66.00 0.59 95.09 12.50 0.11 334.88 376.51 1.98 1.62 Domestic Currency 17.29 358.34 158.20 275.24 121.36 66.00 0.59 95.05 12.50 0.11 334.88 375.61 1.98 1.62 Foreign Currency 0.04 0.90 3. Other Financial Ins. 28.18 7.41 1.17 107.34 234.47 90.01 4. In Foreign Banks 6.91 24.09 c. Money at Call 289.30 264.92 217.76 520.50 584.04 276.17 240.23 325.37 181.99 701.49 481.96 Domestic Currency 289.30 264.92 217.76 520.50 584.04 276.17 235.71 325.37 181.71 701.49 481.96 Foreign Currency 4.53 0.29 2 INVESTMENT IN SECURITIES 1.32 25.20 17.97 0.89 1218.42 25.00 a. Govt.Securities 25.20 17.97 0.89 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 90.00 0.40 3.00 1.67 40.10 0.50 151.20 2.80 67.06 86.00 125.62 6.10 a. Non Residents 83.00 b. Others 90.00 0.40 3.00 1.67 40.10 0.50 151.20 2.80 67.06 3.00 125.62 6.10 4 LOANS & ADVANCES 762.38 855.30 543.63 1502.78 1221.87 1954.85 786.72 1007.38 6847.12 609.96 2425.42 1268.13 1673.39 1478.60 1530.53 a. Private Sector 762.38 833.80 543.63 1502.78 1221.87 1954.85 786.72 1007.38 6735.86 609.96 2425.42 1268.13 1673.39 1478.60 1530.53 b. Financial Institutions 20.00 84.34 c. Government Organizations 1.50 26.91 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 9.00 27.23 35.54 69.74 34.71 39.72 37.37 35.52 430.76 56.51 102.36 40.68 42.11 107.05 50.09 8 OTHER ASSETS 20.61 61.99 72.44 41.72 111.09 34.65 39.91 31.93 211.30 38.45 575.35 38.21 55.19 37.39 46.42 a. Accrued Interest: 3.79 28.30 12.80 8.05 27.79 6.76 10.54 2.84 62.39 7.61 223.84 7.61 36.08 15.77 2.31 b. Staff Loans / Adv. 3.52 4.45 23.12 16.17 0.28 2.06 1.75 9.58 46.21 4.31 43.26 9.91 1.50 2.28 19.09 c. Sundry Debtors 5.51 6.32 7.45 10.66 4.73 10.53 11.63 12.39 19.12 12.31 4.89 8.97 5.07 1.49 16.37 d. Cash In Transit 0.06 e. Others 7.80 22.92 29.07 6.84 78.28 15.30 16.00 7.12 83.59 14.23 303.36 11.72 12.49 17.86 8.65 9 Expenses not Written off 0.02 0.12 11.80 0.22 26.57 1.38 10 Non Banking Assets 437.02 11 Reconcillation Account 0.33 0.08 2.21 308.55 648.61 0.00 4.07 12 Profit & Loss A/c 6.70 157.29 619.51 TOTAL ASSETS 1276.57 1370.78 1012.46 2384.68 2406.08 3522.76 1103.35 1483.43 9821.11 1080.05 4483.53 2050.22 2479.97 2584.49 2317.21

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

Liabilities Ace Excel Sewa NDEP Tinau H & B H & Public WDBL Miteri Rising CEDBL Kankai Araniko Mahakali Muktinath 1 CAPITAL FUND 139.77 87.67 954.40 213.28 618.70 1166.18 100.44 120.22 185.33 269.74 147.37 58.23 138.90 42.18 889.86 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 2.40 1.79 5.41 12.86 0.26 e. Retained Earning 22.69 8.25 4.65 5.31 21.54 18.04 25.82 21.67 7.68 ‐18.00 0.02 0.39 f. Others Reserves Fund 20.20 11.76 0.09 0.30 1.71 0.01 3.72 g. Exchange Fluctuation Fund 0.01 0.07 2.36 0.36 2 BORROWINGS 2.18 55.73 753.06 10.17 182.49 121.00 a. NRB 10.00 223.30 5.00 b. "A"Class Licensed Institution 170.00 100.00 c. Foreign Banks and Fin. Ins. 359.76 d. Other Financial Ins. 2.18 45.73 182.49 16.00 e. Bonds and Securities 10.17 3 DEPOSITS 1853.15 529.21 6431.15 383.03 4479.63 4274.02 562.71 1031.99 799.62 2197.26 1638.41 369.18 477.48 244.83 5110.20 a. Current 6.78 9.87 145.04 11.50 147.71 99.96 5.69 7.27 7.89 30.48 18.49 6.26 2.01 43.40 Domestic 6.78 9.87 145.04 11.50 147.71 99.54 5.69 7.27 7.89 30.48 18.49 6.26 2.01 42.10 Foreign 0.42 1.31 b. Savings 1337.35 347.24 2634.87 306.78 1414.40 1220.66 334.05 279.49 426.99 1458.28 876.83 219.63 202.18 209.82 2634.35 Domestic 1337.35 347.24 2634.87 306.78 1413.72 1191.85 334.05 279.49 426.99 1458.28 876.83 219.63 202.18 209.82 2627.44 Foreign 0.68 28.81 6.91 c. Fixed 333.06 98.02 2628.20 64.76 1225.89 1806.43 168.72 460.85 246.68 448.79 307.66 32.38 238.94 35.02 1947.35 Domestic 333.06 98.02 2628.20 64.76 1209.51 1528.66 168.72 460.85 246.68 448.79 307.66 32.38 238.94 35.02 1947.35 Foreign 16.38 277.77 d. Call Deposits 73.56 1008.93 1685.35 1115.28 54.25 284.38 117.56 259.71 434.43 110.65 34.36 475.44 e. Others 175.96 0.52 14.10 6.28 31.69 0.51 1.00 0.25 9.64 4 Bills Payable 0.07 8.31 5 Other Liabilities 74.30 15.56 472.99 74.09 286.34 403.35 10.92 41.00 53.15 100.88 65.62 15.55 93.51 9.36 348.69 1. Sundry Creditors 9.13 1.08 2.28 1.18 11.04 9.88 1.08 1.58 0.60 0.51 1.04 0.97 4.35 1.81 1.81 2. Loan Loss Provision 19.02 11.98 116.87 15.87 105.08 80.33 5.76 12.95 24.87 32.65 15.67 6.84 64.86 3.83 69.49 3. Interest Suspense a/c 5.99 0.74 67.00 11.61 62.87 19.01 0.56 3.99 12.98 13.36 7.62 1.52 17.52 1.60 49.17 4. Others 40.15 1.76 286.84 45.42 107.34 294.14 3.51 22.49 14.70 54.37 41.30 6.22 6.78 2.12 228.21 6 Reconcillation A/c 374.64 11.15 0.50 ‐6.00 0.65 74.95 4.88 0.08 7 Profit & Loss A/c 17.03 9.44 25.81 10.46 ‐78.29 19.37 14.55 5.10 5.68 31.39 13.05 0.79 1.52 4.44 TOTAL LIABILITIES 2458.89 653.03 7887.10 674.87 5362.76 6624.29 763.57 1198.31 1053.96 2786.63 1864.45 443.75 709.90 297.98 6474.18 Assets 1 LIQUID FUNDS 852.69 152.55 1878.93 228.49 1119.28 1922.39 171.23 496.08 230.41 818.02 549.06 122.95 103.20 107.92 1116.97 a. Cash Balance 57.49 17.97 136.62 13.91 120.16 98.98 5.51 24.31 23.00 74.05 60.25 29.52 13.13 4.86 78.00 Nepalese Notes & Coins 57.44 17.97 135.42 13.91 115.44 96.03 5.51 24.31 23.00 73.03 60.05 29.52 13.13 4.33 76.36 Foreign Currency 0.06 1.20 4.71 2.95 1.02 0.20 0.00 0.53 1.64 b. Bank Balance 105.92 134.58 1742.31 214.58 232.81 92.61 27.46 382.36 51.22 743.97 488.81 18.17 22.70 103.06 205.24 1. In Nepal Rastra Bank 8.21 0.03 584.44 6.79 229.84 23.88 14.11 0.14 0.20 107.78 40.16 0.05 22.02 4.82 179.96 Domestic Currency 8.21 0.03 584.44 6.79 229.79 22.44 14.11 0.14 0.20 107.78 40.16 0.05 22.02 4.82 179.06 Foreign Currency 0.05 1.43 0.90 2. "A"Class Licensed Institution 97.71 115.91 755.82 96.58 2.90 42.80 13.35 382.22 51.02 433.19 334.74 18.11 0.68 66.12 15.81 Domestic Currency 97.71 115.91 755.82 96.58 2.82 42.80 13.35 382.22 51.02 433.19 334.74 18.11 0.68 66.12 15.81 Foreign Currency 0.08 3. Other Financial Ins. 18.65 402.05 111.22 0.07 203.00 113.91 0.01 32.12 0.04 4. In Foreign Banks 25.94 9.42 c. Money at Call 689.28 766.31 1730.79 138.25 89.41 156.18 75.26 67.36 833.73 Domestic Currency 689.28 763.98 1584.47 138.25 89.41 156.18 75.26 67.36 818.91 Foreign Currency 2.33 146.32 14.82 2 INVESTMENT IN SECURITIES 10.00 79.55 20.00 229.65 257.99 10.00 2.50 2.06 446.76 a. Govt.Securities 10.00 79.55 20.00 229.65 245.99 10.00 2.50 2.06 446.76 b. NRB Bond c. Govt.Non‐Fin. Ins. d. Other Non‐Fin Ins. 12.00 e Non Residents 3 SHARE & OTHER INVESTMENT 10.50 132.63 5.10 70.44 159.06 0.10 10.20 45.00 26.18 0.30 0.10 0.50 192.13 a. Non Residents b. Others 10.50 132.63 5.10 70.44 159.06 0.10 10.20 45.00 26.18 0.30 0.10 0.50 192.13 4 LOANS & ADVANCES 1182.32 410.42 5342.76 362.22 3559.13 3930.32 502.51 649.76 716.31 1843.84 1223.81 298.63 490.31 174.74 4310.44 a. Private Sector 1179.48 410.42 5321.21 362.22 3547.96 3819.90 500.11 649.76 716.31 1843.84 1222.44 490.31 174.30 4191.52 b. Financial Institutions 9.48 0.84 94.54 0.90 298.63 103.77 c. Government Organizations 2.85 12.07 10.33 15.88 1.50 1.37 0.44 15.16 5 BILL PURCHASED 5.70 a. Domestic Bills Purchased 5.70 b. Foreign Bills Purchased c. Import Bills & Imports 6 LOANS AGAINST COLLECTED BILLS a. Against Domestic Bills b. Against Foreign Bills 7 FIXED ASSETS 22.81 9.95 171.56 30.47 240.38 114.98 8.71 18.70 34.51 49.78 30.84 14.96 59.88 4.14 132.79 8 OTHER ASSETS 26.21 59.61 275.96 34.83 143.88 239.55 6.07 20.75 27.40 48.02 45.13 6.55 31.42 8.62 275.05 a. Accrued Interest: 5.99 72.60 9.79 75.20 28.82 0.56 3.99 12.98 13.36 7.62 1.52 17.52 1.60 52.32 b. Staff Loans / Adv. 2.48 6.67 47.36 6.69 2.70 6.15 0.27 2.54 7.57 0.16 7.42 2.27 8.15 c. Sundry Debtors 11.77 50.99 4.59 9.33 10.66 54.83 0.66 6.84 1.04 16.72 23.96 1.54 2.64 3.37 4.54 d. Cash In Transit e. Others 5.97 1.95 151.41 9.01 55.31 149.75 4.58 9.93 13.38 15.41 5.99 3.33 3.84 1.37 210.03 9 Expenses not Written off 2.82 0.33 0.78 5.30 0.04 10 Non Banking Assets 11 Reconcillation Account 374.85 ‐6.24 0.00 74.95 0.56 12 Profit & Loss A/c 22.58 TOTAL ASSETS 2458.89 653.03 7887.10 674.87 5362.76 6624.29 763.57 1198.31 1053.96 2786.63 1864.45 443.75 709.90 297.98 6474.18

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

Liabilities City Rara diyalo Nilgiri Kabeli Alpine Bishow Garima Country Kamana Bhargav Resunga Shangrila Kasthamand Professional 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 4.21 3.67 9.31 14.24 14.95 10.61 2.05 2.17 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 5.86 f. Others Reserves Fund 1.91 0.54 0.16 9.49 0.77 0.50 3.03 0.01 g. Exchange Fluctuation Fund 0.00 2 BORROWINGS 30.00 a. NRB b. "A"Class Licensed Institution c. Foreign Banks and Fin. Ins. d. Other Financial Ins. 30.00 e. Bonds and Securities 3 DEPOSITS 197.24 2112.68 985.18 343.89 410.56 1051.85 485.47 421.29 3546.69 1732.17 1954.03 1830.68 216.72 255.33 1330.57 a. Current 1.08 0.76 9.22 17.67 1.12 37.85 31.05 5.63 26.34 2.35 4.55 16.96 Domestic 1.08 0.76 9.22 17.67 1.12 37.84 31.05 5.63 26.34 2.35 4.55 16.96 Foreign 0.01 b. Savings 127.88 1301.62 896.77 288.07 113.00 171.38 294.03 206.89 1568.70 1037.89 1083.28 667.33 82.67 189.07 678.23 Domestic 127.88 1301.62 896.77 288.07 113.00 171.38 294.03 206.89 1567.80 1037.89 1083.28 667.33 82.67 189.07 678.23 Foreign 0.91 c. Fixed 38.02 582.29 87.96 51.88 134.57 407.84 103.01 132.93 924.36 395.87 553.71 704.51 30.62 39.41 314.00 Domestic 38.02 582.29 87.96 51.88 134.57 407.84 103.01 132.93 924.36 395.87 553.71 704.51 30.62 39.41 314.00 Foreign d. Call Deposits 30.26 224.45 161.92 463.40 70.66 79.92 1012.20 267.36 310.65 432.50 101.09 22.30 321.39 e. Others 4.32 0.46 3.94 0.33 0.11 0.43 3.58 0.75 4 Bills Payable 0.08 0.09 5 Other Liabilities 11.93 87.65 32.08 22.51 11.39 74.36 41.81 32.04 196.08 62.94 140.12 133.95 8.87 4.59 60.52 1. Sundry Creditors 0.48 0.67 1.53 0.59 0.32 1.91 7.96 0.15 18.24 13.94 0.07 1.72 2.91 0.30 1.24 2. Loan Loss Provision 6.59 29.11 9.66 6.11 3.47 14.48 9.87 4.07 43.25 14.62 18.83 18.76 2.12 2.54 13.72 3. Interest Suspense a/c 1.60 13.60 4.83 4.62 3.70 7.29 7.13 4.91 19.98 7.76 15.04 12.38 0.89 1.14 13.17 4. Others 3.26 44.26 16.07 11.20 3.90 50.68 16.86 22.91 114.60 26.61 106.19 101.08 2.96 0.61 32.39 6 Reconcillation A/c 36.86 398.98 51.95 572.12 265.50 0.01 7 Profit & Loss A/c 0.70 22.39 14.87 11.66 6.95 7.64 5.27 5.82 4.78 21.98 15.95 23.75 3.39 0.55 15.60 TOTAL LIABILITIES 338.23 2557.37 1508.82 653.41 542.32 1493.34 638.42 512.98 4830.18 2315.10 2372.34 2242.58 331.22 284.14 1622.16 Assets 1 LIQUID FUNDS 121.44 684.07 531.36 269.13 151.90 410.46 140.72 180.56 1165.91 557.82 628.89 581.46 154.79 78.06 503.03 a. Cash Balance 4.20 41.62 30.17 14.11 5.19 34.52 24.24 14.86 56.88 42.48 40.97 24.93 6.73 19.54 30.36 Nepalese Notes & Coins 4.20 41.10 30.17 14.11 5.19 34.52 23.91 13.53 56.39 42.40 40.91 24.93 6.73 19.54 30.02 Foreign Currency 0.52 0.33 1.33 0.50 0.08 0.05 0.34 b. Bank Balance 117.24 642.45 33.21 109.30 146.72 73.07 35.65 30.73 1109.03 107.28 587.92 556.53 11.86 19.70 472.67 1. In Nepal Rastra Bank 11.29 89.32 4.80 19.88 62.29 1.30 0.01 114.22 87.28 107.75 95.22 0.09 1.66 64.69 Domestic Currency 11.29 89.32 4.80 19.88 62.29 1.30 0.01 114.22 87.28 107.75 95.22 0.09 1.66 64.69 Foreign Currency 2. "A"Class Licensed Institution 74.05 426.26 27.26 17.35 42.15 10.63 28.64 30.42 649.04 320.01 227.66 11.76 18.04 140.38 Domestic Currency 74.05 426.26 27.26 17.35 42.15 10.63 28.64 30.42 640.46 320.01 227.66 11.76 18.04 140.38 Foreign Currency 8.59 3. Other Financial Ins. 31.90 126.87 1.15 91.96 84.69 0.16 5.71 0.30 345.76 20.00 160.15 233.64 0.02 267.60 4. In Foreign Banks c. Money at Call 467.98 145.72 302.87 80.83 134.97 408.06 136.20 38.83 Domestic Currency 467.98 145.72 302.87 80.83 134.97 408.06 136.20 38.83 Foreign Currency 2 INVESTMENT IN SECURITIES 3.20 10.00 17.17 173.08 15.00 a. Govt.Securities 3.20 10.00 17.17 173.08 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 30.00 10.50 0.50 163.06 50.60 1.50 0.10 41.00 a. Non Residents b. Others 1.00 20.50 30.00 10.50 0.50 163.06 50.60 1.50 0.10 41.00 4 LOANS & ADVANCES 162.80 1786.00 551.70 282.71 335.23 1004.74 451.31 309.00 2501.09 1429.44 1562.68 1556.28 165.20 183.24 1007.72 a. Private Sector 162.80 1786.00 551.70 282.71 335.23 991.83 451.31 309.00 2420.69 1429.41 1562.68 1556.28 165.20 183.24 1007.72 b. Financial Institutions 1.06 76.83 c. Government Organizations 11.86 3.58 0.03 5 BILL PURCHASED 0.60 a. Domestic Bills Purchased 0.60 b. Foreign Bills Purchased c. Import Bills & Imports 6 LOANS AGAINST COLLECTED BILLS a. Against Domestic Bills b. Against Foreign Bills 7 FIXED ASSETS 5.92 45.92 11.63 13.52 5.41 31.17 16.16 7.41 123.17 29.60 52.99 56.15 6.47 18.04 37.16 8 OTHER ASSETS 5.34 40.38 13.46 14.62 9.50 19.29 26.04 16.02 123.04 30.62 58.29 47.19 4.66 4.80 33.25 a. Accrued Interest: 1.60 23.41 4.83 4.62 3.70 7.29 7.13 4.91 45.45 7.76 23.89 18.67 0.89 1.14 13.17 b. Staff Loans / Adv. 2.02 1.93 0.11 0.18 0.52 0.18 0.53 5.48 0.32 6.43 0.13 0.12 0.10 c. Sundry Debtors 0.23 1.30 8.29 0.08 2.56 0.70 13.66 0.61 50.71 0.30 0.00 1.40 2.38 1.31 9.17 d. Cash In Transit e. Others 1.50 13.75 0.34 9.80 3.06 10.77 5.07 9.96 21.39 22.25 27.96 26.99 1.27 2.24 10.91 9 Expenses not Written off 0.29 0.50 7.43 2.11 3.90 10 Non Banking Assets 1.68 11 Reconcillation Account 37.86 400.67 52.93 3.19 572.80 265.50 12 Profit & Loss A/c TOTAL ASSETS 338.23 2557.37 1508.82 653.41 542.32 1493.34 638.42 512.98 4830.18 2315.10 2372.34 2242.58 331.22 284.14 1622.16

23 Statement of Assets and Liabilities as on Poush end 2068 Rs. in million

Liabilities Jyoti IDBL Civic Shine Kakre Gulmi Bright Pacific Hamro Bagmati Purnima Kanchan Corporate Pathibhara Matribhumi 1 CAPITAL FUND 274.66 109.78 112.53 762.37 26.35 41.77 21.21 211.00 43.37 27.19 493.03 18.65 75.84 30.55 109.64 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 13.00 13.00 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 945.40 816.59 652.35 2907.93 99.61 224.57 185.25 1519.69 353.66 88.75 3499.60 288.43 570.20 138.61 359.54 a. Current 5.23 5.42 25.78 199.84 11.49 1.04 20.58 1.98 35.78 3.21 Domestic 5.23 5.42 25.78 199.83 11.49 1.04 20.58 1.98 35.78 3.21 Foreign 0.01 b. Savings 338.79 474.34 368.88 1213.44 66.04 117.35 149.76 856.31 188.05 78.24 1358.67 261.48 505.25 74.98 96.08 Domestic 338.79 474.34 368.88 1207.32 66.04 117.35 149.76 856.31 188.05 78.24 1358.67 261.48 505.25 74.98 96.08 Foreign 6.12 c. Fixed 500.09 82.56 169.62 897.46 13.41 51.61 34.46 378.95 42.97 10.51 1261.45 26.95 64.95 30.67 48.19 Domestic 500.09 82.56 169.62 897.46 13.41 51.61 34.46 378.95 42.97 10.51 1261.45 26.95 64.95 30.67 48.19 Foreign d. Call Deposits 98.46 254.27 88.08 573.90 19.91 44.11 260.09 120.61 838.16 32.97 211.93 e. Others 2.83 23.28 0.26 3.76 0.05 5.55 0.13 4 Bills Payable 0.43 5 Other Liabilities 82.56 23.34 18.04 231.64 2.51 4.98 2.24 69.69 5.00 3.75 367.01 6.28 15.81 2.58 23.45 1. Sundry Creditors 13.43 0.27 0.86 1.20 0.09 0.68 0.14 8.96 0.22 1.87 78.00 0.92 0.36 0.20 0.10 2. Loan Loss Provision 21.28 12.93 7.79 60.51 1.00 1.96 1.56 13.28 3.16 0.98 190.08 1.66 5.41 1.74 4.08 3. Interest Suspense a/c 20.90 2.12 2.13 12.11 0.16 0.15 1.37 0.84 0.62 54.97 0.72 2.72 4.03 4. Others 26.95 8.01 7.26 157.82 1.25 2.33 0.39 46.08 0.78 0.27 43.95 2.98 7.31 0.64 15.23 6 Reconcillation A/c 86.66 10.93 106.33 11.31 7 Profit & Loss A/c 5.65 1.97 3.45 24.61 1.64 2.69 2.03 21.46 3.82 2.60 7.05 0.52 2.74 TOTAL LIABILITIES 1308.28 1038.34 786.38 3926.55 130.12 274.01 210.74 1821.85 405.85 130.61 4360.07 315.96 775.24 183.57 495.37 Assets 1 LIQUID FUNDS 263.70 293.45 310.40 810.39 28.31 58.12 65.21 500.63 103.78 34.98 981.82 155.19 212.55 61.14 140.88 a. Cash Balance 5.72 38.59 18.51 56.95 3.61 4.32 6.68 36.22 7.72 0.85 143.66 5.60 18.93 4.23 14.53 Nepalese Notes & Coins 5.72 38.59 18.51 56.28 3.61 4.32 6.52 36.22 7.72 0.85 142.48 5.50 18.93 4.23 14.53 Foreign Currency 0.67 0.16 1.18 0.09 b. Bank Balance 257.97 51.03 37.06 146.96 7.10 18.09 58.53 81.34 96.05 4.03 212.16 13.75 193.62 7.80 54.56 1. In Nepal Rastra Bank 39.24 0.75 32.84 104.29 0.09 0.46 5.03 3.20 194.26 0.99 38.71 Domestic Currency 39.24 0.75 32.84 104.29 0.09 0.46 5.03 3.20 194.26 0.99 38.71 Foreign Currency 2. "A"Class Licensed Institution 135.52 50.28 4.22 42.67 7.10 18.00 48.03 77.01 42.53 17.88 13.75 81.53 7.80 15.85 Domestic Currency 135.52 50.28 4.22 42.66 7.10 18.00 48.03 77.01 42.53 17.88 13.75 81.53 7.80 15.85 Foreign Currency 0.01 3. Other Financial Ins. 83.21 0.00 10.50 3.87 48.50 0.83 0.01 0.01 111.10 4. In Foreign Banks c. Money at Call 203.83 254.83 606.49 17.60 35.71 383.07 30.10 626.00 135.84 49.11 71.79 Domestic Currency 203.83 254.83 597.95 17.60 35.71 383.07 30.10 619.75 135.84 49.11 71.79 Foreign Currency 8.54 6.26 2 INVESTMENT IN SECURITIES 256.93 1.00 10.27 68.43 a. Govt.Securities 256.93 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 55.20 20.10 0.10 a. Non Residents 14.63 b. Others 20.10 0.57 0.10 1.00 55.20 20.10 0.10 4 LOANS & ADVANCES 947.65 620.23 449.07 2643.83 95.30 196.28 140.51 1250.21 288.46 73.44 2878.68 151.02 400.95 105.19 333.64 a. Private Sector 937.25 619.70 449.07 2630.48 95.30 196.28 140.51 1250.21 287.85 73.44 2796.64 146.47 400.95 105.19 331.89 b. Financial Institutions 10.40 8.75 0.62 82.04 1.75 c. Government Organizations 0.53 4.60 4.55 5 BILL PURCHASED 2.50 0.10 a. Domestic Bills Purchased 2.50 0.10 b. Foreign Bills Purchased c. Import Bills & Imports 6 LOANS AGAINST COLLECTED BILLS a. Against Domestic Bills b. Against Foreign Bills 7 FIXED ASSETS 35.59 22.84 16.87 91.28 3.94 15.26 2.77 28.54 7.57 6.65 129.95 7.39 20.78 4.27 13.69 8 OTHER ASSETS 44.21 12.91 7.99 100.75 2.24 2.27 2.15 31.18 5.86 3.05 128.53 2.37 14.54 1.57 7.07 a. Accrued Interest: 20.99 2.12 2.24 23.63 0.16 2.96 0.84 0.62 55.12 0.72 6.71 4.03 b. Staff Loans / Adv. 1.88 16.13 0.89 0.59 0.57 9.60 1.28 0.55 0.24 0.16 0.04 0.02 c. Sundry Debtors 4.60 3.19 2.36 0.34 0.08 0.15 2.33 3.52 0.26 2.80 0.02 0.31 d. Cash In Transit e. Others 23.22 4.31 2.56 58.63 0.84 1.60 1.42 18.62 1.41 1.89 69.65 1.39 4.87 1.51 2.71 9 Expenses not Written off 2.25 2.05 3.16 0.33 0.51 0.18 0.76 0.09 10 Non Banking Assets 11 Reconcillation Account 86.66 0.02 10.93 106.32 11.31 12 Profit & Loss A/c 0.79 117.45 TOTAL ASSETS 1308.28 1038.34 786.38 3926.55 130.12 274.01 210.74 1821.85 405.85 130.61 4360.07 315.96 775.24 183.57 495.37

24 Statement of Assets and Liabilities as on Poush end 2068 Rs. in million

Liabilities Surya Vibor Social Metro Sindhu Sahara Mission Jhimruk Tourism Raptiveri Khadbari Gaumukhi Consumer Innovative Mt. Makalu 1 CAPITAL FUND 69.81 14.94 81.54 749.43 14.64 75.88 156.72 18.32 451.66 67.97 13.64 13.90 44.23 12.38 397.46 a. Paid‐up Capital 66.25 12.00 70.00 681.83 14.00 60.00 140.00 17.50 400.00 70.00 15.00 14.00 51.00 14.00 382.65 b. Calls in Advance 7.15 4.20 15.01 c. General Reserves 0.23 ‐4.31 2.32 29.59 ‐3.56 0.30 3.34 0.82 9.45 0.39 ‐6.77 ‐1.62 2.15 d. Share Premium e. Retained Earning 3.33 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 564.00 3.00 70.00 5.29 5.92 a. NRB b. "A"Class Licensed Institution 564.00 70.00 c. Foreign Banks and Fin. Ins. d. Other Financial Ins. 5.29 5.92 e. Bonds and Securities 3.00 3 DEPOSITS 491.24 152.27 599.32 2541.35 94.36 134.30 419.92 61.29 1436.06 456.16 62.01 50.89 347.33 83.55 449.43 a. Current 11.17 3.94 13.60 37.62 2.27 1.06 6.28 2.59 56.39 0.66 2.53 0.03 29.67 0.49 Domestic 11.17 3.94 13.60 37.62 2.27 1.06 6.28 2.59 50.13 0.66 2.53 0.03 29.67 0.49 Foreign 6.26 b. Savings 191.45 100.33 294.00 561.55 77.81 88.33 151.55 47.79 516.86 248.22 30.63 42.80 191.92 49.18 37.42 Domestic 191.45 100.33 294.00 561.55 77.81 88.33 151.55 47.79 516.80 248.22 30.63 42.80 191.92 49.18 37.42 Foreign 0.05 c. Fixed 105.14 18.10 178.48 1487.66 5.32 39.38 125.77 8.49 352.60 82.31 20.46 3.87 47.33 3.16 119.68 Domestic 105.14 18.10 178.48 1487.66 5.32 39.38 125.77 8.49 352.60 82.31 20.46 3.87 47.33 3.16 119.68 Foreign d. Call Deposits 183.49 29.91 113.24 453.58 8.96 5.53 136.03 2.43 395.08 124.96 8.39 4.19 1.40 291.84 e. Others 0.94 0.29 115.13 108.08 0.15 4 Bills Payable 0.04 2.15 0.08 5 Other Liabilities 11.65 2.78 17.78 419.81 2.36 5.44 19.03 16.63 50.11 9.61 1.25 2.73 8.37 1.33 50.54 1. Sundry Creditors 2.09 0.42 1.13 0.57 0.15 0.93 2.95 15.41 0.09 0.43 0.12 1.90 0.00 2. Loan Loss Provision 3.25 1.47 5.14 85.33 0.98 2.33 3.77 0.67 15.27 3.65 0.49 0.41 2.88 0.63 5.52 3. Interest Suspense a/c 0.98 0.60 2.97 52.29 0.95 1.76 2.55 0.18 11.17 0.75 0.22 2.14 2.10 0.43 21.61 4. Others 5.33 0.29 8.54 281.62 0.28 0.42 9.75 0.38 23.58 5.21 0.11 0.06 1.49 0.27 23.41 6 Reconcillation A/c 0.01 8.92 32.93 4.58 5.13 7 Profit & Loss A/c 1.99 0.95 4.72 0.83 2.83 6.77 0.90 16.63 1.43 1.19 0.28 TOTAL LIABILITIES 574.75 170.93 703.35 4276.75 124.11 251.39 672.45 101.73 1964.96 541.09 76.90 68.71 399.93 97.54 897.43 Assets 1 LIQUID FUNDS 228.94 32.91 168.89 184.65 24.09 49.00 261.97 20.23 435.53 144.66 17.53 23.64 80.36 27.42 212.96 a. Cash Balance 13.58 9.09 15.16 38.50 7.34 10.24 8.52 3.23 105.55 20.69 2.34 1.18 8.56 4.57 8.51 Nepalese Notes & Coins 13.58 8.95 15.16 38.50 6.83 10.23 8.52 3.23 90.04 20.69 2.34 1.18 8.23 4.57 8.51 Foreign Currency 0.14 0.51 0.01 15.50 0.34 b. Bank Balance 25.13 13.69 36.35 146.14 5.61 8.06 14.74 3.59 100.60 1.01 3.30 3.49 7.84 22.86 204.45 1. In Nepal Rastra Bank 25.13 36.35 56.10 7.95 13.87 100.60 1.01 5.34 58.06 Domestic Currency 25.13 36.35 56.10 7.95 13.87 96.22 1.01 5.34 58.06 Foreign Currency 4.38 2. "A"Class Licensed Institution 13.59 56.75 5.05 0.12 0.76 3.58 3.30 3.49 2.50 22.86 55.70 Domestic Currency 13.59 56.75 5.05 0.12 0.76 3.58 3.30 3.49 2.50 22.86 55.70 Foreign Currency 3. Other Financial Ins. 0.10 33.29 0.56 0.11 0.01 90.70 4. In Foreign Banks c. Money at Call 190.24 10.14 117.39 11.14 30.70 238.72 13.41 229.38 122.95 11.88 18.98 63.96 Domestic Currency 190.24 10.14 117.39 11.14 30.70 238.72 13.41 224.47 122.95 11.88 18.98 63.96 Foreign Currency 4.91 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 50.00 25.20 a. Non Residents 0.10 b. Others 206.00 50.00 25.20 4 LOANS & ADVANCES 323.75 129.12 513.55 2063.55 84.77 153.50 376.94 66.08 1372.47 369.81 49.35 40.45 288.41 63.11 551.68 a. Private Sector 323.75 129.12 513.55 1950.69 84.77 153.50 369.44 66.08 1372.47 369.81 49.35 40.45 288.41 63.11 537.68 b. Financial Institutions 107.76 7.50 14.00 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 17.45 4.46 13.44 127.91 4.00 6.94 19.31 1.75 47.02 22.36 6.58 1.44 16.91 3.92 56.33 8 OTHER ASSETS 4.61 4.18 7.47 1564.32 1.98 9.02 14.23 8.73 44.82 3.63 2.49 3.02 14.10 2.54 37.61 a. Accrued Interest: 0.98 0.60 2.97 52.29 0.95 1.76 2.55 0.18 11.37 0.75 0.22 2.14 2.10 0.47 24.74 b. Staff Loans / Adv. 1.28 25.36 0.02 3.80 0.28 2.77 0.08 0.80 0.03 1.19 c. Sundry Debtors 0.49 1.51 0.68 2.42 0.07 6.70 2.81 7.79 15.93 0.66 1.67 0.47 1.18 4.32 d. Cash In Transit e. Others 1.86 2.07 3.81 1484.26 0.94 0.56 5.06 0.48 14.74 2.14 0.60 0.41 11.20 0.86 7.36 9 Expenses not Written off 0.16 0.87 0.34 0.47 0.63 0.72 0.15 0.55 10 Non Banking Assets 17.34 11 Reconcillation Account 0.00 8.92 32.92 4.47 5.11 12 Profit & Loss A/c 22.11 0.25 0.15 4.46 TOTAL ASSETS 574.75 170.93 703.35 4276.75 124.11 251.39 672.45 101.73 1964.96 541.09 76.90 68.71 399.93 97.54 897.43

25 Statement of Assets and Liabilities as on Poush end 2068 Rs. in million

Liabilities AFCL Ekata Nepal NSMFL NCDBL Finance Peoples Peoples Cosmos National Manaslu Narayani Kalinchowk Kathmandu Merchantile NIDC CapitalNIDC Samabriddhi Nepal Aawas 1 CAPITAL FUND 64.73 14.98 68.37 70.90 60.00 51.21 221.60 176.14 329.01 874.47 824.08 ‐167.13 ‐338.96 35.48 184.36 a. Paid‐up Capital 70.00 17.50 70.00 70.00 60.00 51.00 176.10 135.86 222.36 647.48 704.29 2034.29 289.01 18.00 154.57 b. Calls in Advance c. General Reserves ‐7.69 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 ‐2.52 ‐1.63 0.22 0.21 0.80 0.28 25.70 80.03 11.49 ‐2271.98 ‐665.80 0.18 2.36 f. Others Reserves Fund 2.42 0.62 0.40 3.09 7.80 2.34 9.29 0.89 11.23 g. Exchange Fluctuation Fund 2 BORROWINGS 23.00 47.50 464.38 30.00 a. NRB b. "A"Class Licensed Institution 23.00 47.50 350.26 c. Foreign Banks and Fin. Ins. d. Other Financial Ins. 114.13 30.00 e. Bonds and Securities 3 DEPOSITS 323.89 71.19 172.93 73.58 64.70 18.03 494.60 605.99 1304.96 2752.19 4051.61 1870.27 602.23 42.77 392.28 a. Current 3.52 1.16 1.35 0.65 0.08 4.18 54.45 Domestic 3.52 1.16 1.35 0.65 0.08 4.18 54.45 Foreign b. Savings 80.90 67.00 102.16 39.99 48.69 6.39 85.50 166.18 378.77 683.50 1432.47 1074.28 136.00 94.77 Domestic 80.90 67.00 102.16 39.99 48.69 6.39 85.50 166.18 378.77 683.50 1432.47 1074.28 136.00 94.77 Foreign c. Fixed 59.59 4.14 9.65 7.14 4.13 1.53 388.30 436.31 792.89 2033.88 1847.62 796.00 452.12 42.68 297.52 Domestic 59.59 4.14 9.65 7.14 4.13 1.53 388.30 436.31 792.89 2033.88 1847.62 796.00 452.12 42.68 297.52 Foreign d. Call Deposits 179.88 59.96 25.07 11.23 10.03 129.11 717.06 e. Others 0.05 0.03 20.80 3.49 34.81 14.12 0.09 4 Bills Payable 5 Other Liabilities 10.83 1.57 3.52 3.75 1.17 0.25 88.50 237.13 304.93 280.86 284.34 3997.64 764.19 3.63 49.67 1. Sundry Creditors 0.74 1.39 0.59 0.23 23.60 36.76 39.86 3.50 11.95 24.61 17.69 0.04 0.97 2. Loan Loss Provision 2.13 0.45 1.45 0.32 0.65 0.06 25.30 32.81 55.13 91.42 104.29 2677.35 669.09 1.95 24.48 3. Interest Suspense a/c 0.08 0.09 0.45 0.06 19.80 38.44 99.29 59.06 46.70 683.63 64.80 7.41 4. Others 8.62 0.30 0.23 2.84 0.22 0.19 19.80 129.12 110.65 126.88 121.40 612.05 12.61 1.64 16.82 6 Reconcillation A/c 7 Profit & Loss A/c 0.72 0.10 0.50 18.23 12.66 47.19 61.64 3.53 TOTAL LIABILITIES 399.45 87.74 244.82 148.94 125.98 69.48 805.20 1042.25 2004.62 3920.17 5207.21 6165.17 1119.10 85.41 626.32 Assets 1 LIQUID FUNDS 150.69 33.27 76.80 41.24 52.94 57.87 275.70 134.08 538.59 823.65 1215.06 51.84 126.08 9.30 163.25 a. Cash Balance 7.48 4.76 10.16 5.08 3.55 0.08 0.90 2.19 2.51 36.77 80.61 8.55 4.61 2.59 3.30 Nepalese Notes & Coins 7.48 4.76 10.13 5.08 3.55 0.08 0.90 2.01 2.51 36.77 80.43 8.55 4.61 2.59 3.30 Foreign Currency 0.03 0.18 0.19 b. Bank Balance 31.28 2.75 12.79 36.16 49.39 57.79 210.70 131.89 536.08 786.88 199.11 24.84 45.88 6.71 159.95 1. In Nepal Rastra Bank 15.43 3.85 0.03 29.60 27.49 80.25 58.64 182.37 1.52 45.51 0.91 31.23 Domestic Currency 15.43 3.85 0.03 29.60 27.49 80.25 58.64 182.37 1.52 45.51 0.91 31.23 Foreign Currency 2. "A"Class Licensed Institution 2.75 12.79 11.25 44.87 33.25 121.30 90.47 134.59 664.45 16.74 21.36 0.37 0.23 128.72 Domestic Currency 2.75 12.79 11.25 44.87 33.25 121.30 90.47 134.59 664.45 16.74 21.36 0.37 0.23 128.72 Foreign Currency 3. Other Financial Ins. 15.85 21.06 4.49 24.54 59.80 13.93 321.24 63.79 1.96 5.57 4. In Foreign Banks c. Money at Call 111.94 25.76 53.85 64.10 935.34 18.45 75.59 Domestic Currency 111.94 25.76 53.85 64.10 935.34 18.45 75.59 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 26.81 82.36 41.47 152.13 107.42 4.50 4.68 43.53 a. Non Residents b. Others 0.20 26.81 82.36 41.47 152.13 107.42 4.50 4.68 43.53 4 LOANS & ADVANCES 213.25 44.94 144.69 94.36 64.99 5.95 451.10 675.54 1124.12 2675.84 3505.66 4247.48 788.55 67.02 380.88 a. Private Sector 213.25 44.94 144.69 94.36 64.99 5.95 451.10 675.54 1124.12 2675.84 3505.66 4151.56 788.55 67.02 380.88 b. Financial Institutions 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 24.11 6.73 16.45 10.88 2.53 4.32 4.80 5.50 58.86 115.54 128.90 166.51 124.26 0.85 18.52 8 OTHER ASSETS 9.74 0.51 5.45 2.47 5.53 1.11 48.40 159.64 126.94 175.67 94.60 1417.47 75.72 0.56 10.56 a. Accrued Interest: 7.76 0.09 0.45 0.88 28.70 39.16 99.85 59.06 46.70 680.88 64.94 7.41 b. Staff Loans / Adv. 0.21 0.00 0.52 12.90 0.06 0.43 20.24 7.87 7.52 0.04 0.16 c. Sundry Debtors 0.06 0.05 3.82 0.81 4.15 3.10 9.59 5.95 3.63 19.93 147.84 0.60 0.22 2.89 d. Cash In Transit e. Others 1.71 0.38 0.67 1.65 0.49 1.11 3.70 110.83 20.72 92.73 20.10 581.22 10.18 0.30 0.09 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 25.96 12 Profit & Loss A/c 1.65 2.26 1.43 0.23 12.49 136.39 2.10 TOTAL ASSETS 399.45 87.74 244.82 148.94 125.98 69.48 805.20 1042.25 2004.62 3920.17 5207.21 6165.17 1119.10 85.41 626.32

26 Statement of Assets and Liabilities as on Poush end 2068 Rs. in million FC Sri Sri hal

Liabilities Yeti ILFCO Union Investa Gorkha NHMFL Lumbini Lumbini Standard Goodwill Himalaya Universal Samjhana Siddhartha Investment Paschimanc 1 CAPITAL FUND 160.30 234.20 175.41 278.88 278.30 190.87 365.41 212.63 211.54 438.32 75.01 220.28 1102.29 2277.10 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 43.38 109.38 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 48.63 155.33 f. Others Reserves Fund 4.80 1.34 0.61 37.42 5.17 1.29 7.97 6.15 8.40 g. Exchange Fluctuation Fund 2 BORROWINGS 180.00 20.00 171.50 77.50 127.40 a. NRB b. "A"Class Licensed Institution 180.00 78.00 77.50 127.40 c. Foreign Banks and Fin. Ins. d. Other Financial Ins. 20.00 93.50 e. Bonds and Securities 3 DEPOSITS 526.59 960.30 290.62 1484.71 1513.51 918.24 1381.23 1042.38 1236.05 1355.52 1051.20 2633.28 1434.04 a. Current 8.53 19.17 5.62 Domestic 8.53 19.17 5.62 Foreign b. Savings 77.85 177.06 44.06 592.94 118.25 167.33 496.48 427.77 281.91 283.65 355.05 936.31 243.75 Domestic 77.85 177.06 44.06 592.94 118.25 167.33 496.48 427.77 281.91 283.65 355.05 936.31 243.75 Foreign c. Fixed 448.74 691.48 246.56 891.77 1178.85 714.05 884.65 610.69 954.14 983.13 616.42 1393.43 1099.37 Domestic 448.74 691.48 246.56 891.77 1178.85 714.05 884.65 610.69 954.14 983.13 616.42 1393.43 1099.37 Foreign d. Call Deposits 57.32 284.32 59.45 e. Others 25.90 216.41 36.85 0.10 3.93 88.74 79.74 0.05 25.85 4 Bills Payable 0.18 5 Other Liabilities 65.23 71.60 65.28 246.97 279.80 127.57 146.66 95.07 73.33 319.16 18.99 110.32 180.83 487.06 1. Sundry Creditors 10.03 0.92 6.53 12.84 4.27 7.38 5.16 2.23 0.12 3.08 0.01 28.22 2. Loan Loss Provision 18.99 27.44 29.05 61.30 65.01 22.93 24.83 22.88 15.49 138.46 15.32 32.26 69.99 187.06 3. Interest Suspense a/c 5.67 15.93 23.80 40.71 33.46 34.10 12.84 17.02 3.94 131.89 26.75 46.23 155.44 4. Others 30.54 28.23 11.51 138.43 181.32 57.71 104.72 47.79 48.74 46.59 3.56 48.23 64.60 116.34 6 Reconcillation A/c 7.70 7 Profit & Loss A/c 0.87 10.01 1.49 5.49 6.29 10.67 13.94 14.99 2.85 4.80 10.69 45.32 TOTAL LIABILITIES 932.12 1287.15 531.30 2020.57 2073.09 1413.68 1977.08 1360.74 1534.86 2127.99 96.85 1386.61 4054.49 4251.22 Assets 1 LIQUID FUNDS 167.88 172.98 73.87 484.35 167.67 172.52 167.42 308.83 209.79 309.93 20.60 351.57 773.81 931.50 a. Cash Balance 7.39 5.22 3.00 28.69 4.22 1.96 46.56 9.31 12.63 12.99 0.01 9.96 94.32 14.68 Nepalese Notes & Coins 7.39 5.22 3.00 28.69 4.22 1.96 46.56 9.31 12.63 12.99 0.01 9.96 94.32 14.68 Foreign Currency b. Bank Balance 160.49 58.02 60.68 455.66 68.56 60.04 120.85 299.52 197.16 66.26 20.60 23.34 679.50 916.82 1. In Nepal Rastra Bank 21.72 56.30 7.04 28.68 64.57 45.54 34.40 25.35 35.18 32.19 0.01 0.30 141.98 103.28 Domestic Currency 21.72 56.30 7.04 28.68 64.57 45.54 34.40 25.35 35.18 32.19 0.01 0.30 141.98 103.28 Foreign Currency 2. "A"Class Licensed Institution 138.77 1.59 52.87 282.31 3.86 14.50 86.46 145.64 121.00 1.49 20.59 22.98 344.67 711.15 Domestic Currency 138.77 1.59 52.87 282.31 3.86 14.50 86.46 145.64 121.00 1.49 20.59 22.98 344.67 711.15 Foreign Currency 3. Other Financial Ins. 0.13 0.77 144.68 0.12 128.53 40.97 32.58 0.07 192.85 102.39 4. In Foreign Banks c. Money at Call 109.74 10.19 94.89 110.52 230.68 318.27 Domestic Currency 109.74 10.19 94.89 110.52 230.68 318.27 Foreign Currency 2 INVESTMENT IN SECURITIES 44.97 12.76 32.50 94.86 20.00 131.48 50.00 45.49 53.63 25.00 30.63 129.79 167.05 a. Govt.Securities 44.97 12.76 32.50 43.29 20.00 131.48 50.00 45.49 53.63 25.00 30.63 129.79 167.05 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 18.23 17.45 3.57 56.94 4.49 0.30 19.20 0.64 27.16 51.26 a. Non Residents b. Others 0.07 6.12 0.73 18.23 17.45 3.57 56.94 4.49 0.30 19.20 0.64 27.16 51.26 4 LOANS & ADVANCES 721.58 977.82 356.81 1300.70 1511.75 1019.71 1292.08 909.90 1136.66 1548.95 41.25 924.67 2781.42 2813.01 a. Private Sector 721.58 974.57 356.81 1300.70 1511.75 909.90 1136.66 1548.95 924.67 2781.42 2782.01 b. Financial Institutions 1009.74 1292.08 41.25 31.00 c. Government Organizations 3.25 9.97 5 BILL PURCHASED 4.40 a. Domestic Bills Purchased 4.40 b. Foreign Bills Purchased c. Import Bills & Imports 6 LOANS AGAINST COLLECTED BILLS a. Against Domestic Bills b. Against Foreign Bills 7 FIXED ASSETS 16.33 31.88 55.87 47.18 132.71 103.69 241.00 20.87 123.92 14.37 2.28 16.58 195.54 72.85 8 OTHER ASSETS 18.21 53.13 24.65 131.34 147.23 91.77 77.42 60.95 17.27 168.11 7.71 53.55 117.43 203.94 a. Accrued Interest: 5.67 15.93 23.86 42.21 33.46 81.25 44.49 17.02 5.22 131.89 3.26 32.68 46.23 159.10 b. Staff Loans / Adv. 6.66 6.72 11.65 7.49 1.74 11.20 0.59 1.54 0.14 1.27 8.21 c. Sundry Debtors 0.89 14.92 0.34 4.81 3.03 0.29 13.20 2.74 0.01 13.47 0.00 12.20 d. Cash In Transit 0.91 e. Others 4.99 15.56 0.45 71.76 106.28 7.49 30.91 19.52 8.71 34.68 4.31 6.13 62.98 32.65 9 Expenses not Written off 0.26 0.05 1.43 10.74 11.56 10 Non Banking Assets 1.55 5.43 1.41 0.98 5.16 1.43 8.97 22.62 0.05 11 Reconcillation Account 0.85 0.55 13.81 2.33 12 Profit & Loss A/c 6.49 6.57 TOTAL ASSETS 932.12 1287.15 531.30 2020.57 2073.09 1413.68 1977.08 1360.74 1534.86 2127.99 96.85 1386.61 4054.49 4251.22

27 Statement of Assets and Liabilities as on Poush end 2068 Rs. in million

Liabilities e Arun Janaki United Butwal Central Lalitpur General Premier Pokhara Navadurga Bhajuratna Bhajuratna Mahalaxmi Progressive Multipurpos Alpic Everest 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 31.28 250.75 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 3.88 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 10.00 20.80 25.00 30.00 63.60 a. NRB b. "A"Class Licensed Institution 20.80 15.00 30.00 63.60 c. Foreign Banks and Fin. Ins. d. Other Financial Ins. 10.00 10.00 e. Bonds and Securities 3 DEPOSITS 2185.32 1632.70 183.34 2549.70 898.35 194.83 713.78 1069.06 763.33 1509.57 1695.30 1035.41 180.88 70.34 1324.76 a. Current Domestic Foreign b. Savings 1016.43 591.06 36.95 1012.80 294.76 87.57 338.88 468.11 231.49 800.74 691.56 321.35 71.99 22.50 558.30 Domestic 1016.43 591.06 36.95 1012.80 294.76 87.57 338.88 468.11 231.49 800.74 691.56 321.35 71.99 22.50 558.30 Foreign c. Fixed 1164.88 1031.87 145.73 1536.90 603.59 107.26 374.89 600.95 511.31 708.84 1003.73 608.61 108.89 47.83 755.84 Domestic 1164.88 1031.87 145.73 1536.90 603.59 107.26 374.89 600.95 511.31 708.84 1003.73 608.61 108.89 47.83 755.84 Foreign d. Call Deposits e. Others 4.02 9.77 0.66 20.52 105.46 10.61 4 Bills Payable 5.74 5 Other Liabilities 132.07 447.00 44.22 140.49 139.72 31.99 139.02 90.16 231.54 224.55 137.10 141.57 114.76 34.71 217.30 1. Sundry Creditors 10.89 0.65 15.98 18.20 6.64 2.16 2.03 2.34 3.69 52.69 6.98 21.00 0.39 3.88 4.54 2. Loan Loss Provision 51.71 127.37 10.65 55.87 32.85 15.32 33.43 18.12 59.61 126.06 29.12 49.32 81.36 10.06 56.64 3. Interest Suspense a/c 13.12 230.19 7.17 30.48 74.20 11.27 48.99 13.00 72.07 39.60 55.88 56.16 16.24 9.81 48.46 4. Others 56.35 88.80 10.42 35.94 26.03 3.24 54.57 56.70 96.16 6.19 45.12 15.09 16.77 10.96 107.66 6 Reconcillation A/c 0.98 574.11 ‐2.04 10.77 7 Profit & Loss A/c 10.87 3.45 1.87 12.67 8.34 1.79 12.04 47.63 5.38 3.36 TOTAL LIABILITIES 2823.33 2386.37 329.31 3682.36 1233.05 366.82 1057.57 1322.76 1197.75 2153.71 2074.29 1335.41 419.40 136.32 1856.41 Assets 1 LIQUID FUNDS 584.95 121.65 104.49 655.99 119.80 89.84 130.23 303.12 184.75 608.91 390.64 150.68 52.23 8.48 430.86 a. Cash Balance 25.57 4.33 0.38 35.19 9.16 2.72 4.17 9.55 1.89 10.64 16.05 22.30 2.62 0.03 29.45 Nepalese Notes & Coins 25.57 4.33 0.38 35.19 9.16 2.72 4.17 9.55 1.89 10.64 16.05 22.30 2.62 0.03 29.45 Foreign Currency b. Bank Balance 77.22 97.32 104.11 620.80 110.64 87.12 126.06 293.57 19.76 64.31 60.36 128.38 13.68 8.45 401.41 1. In Nepal Rastra Bank 75.40 81.07 8.16 183.49 20.58 17.78 39.52 38.80 15.81 64.31 60.36 22.29 13.40 41.32 Domestic Currency 75.40 81.07 8.16 183.49 20.58 17.78 39.52 38.80 15.81 64.31 60.36 22.29 13.40 41.32 Foreign Currency 2. "A"Class Licensed Institution 1.66 16.26 95.95 319.46 47.14 11.81 36.03 140.25 3.95 44.42 0.28 8.45 161.68 Domestic Currency 1.66 16.26 95.95 319.46 47.14 11.81 36.03 140.25 3.95 44.42 0.28 8.45 161.68 Foreign Currency 3. Other Financial Ins. 0.17 117.84 42.93 57.53 50.51 114.52 61.67 198.41 4. In Foreign Banks c. Money at Call 482.16 20.00 163.10 533.95 314.23 35.93 Domestic Currency 482.16 20.00 163.10 533.95 314.23 35.93 Foreign Currency 2 INVESTMENT IN SECURITIES 172.06 17.50 4.25 62.50 15.00 3.20 30.00 33.37 13.82 30.00 26.60 70.16 a. Govt.Securities 172.06 17.50 4.25 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 130.67 15.54 53.03 0.43 20.10 2.42 3.00 71.63 241.90 0.05 31.99 1.70 3.10 0.19 7.60 a. Non Residents b. Others 130.67 15.54 53.03 0.43 20.10 2.42 3.00 71.63 241.90 0.05 31.99 1.70 3.10 0.19 7.60 4 LOANS & ADVANCES 1855.47 1873.15 133.13 2256.55 949.21 241.79 724.27 819.80 656.10 1334.76 1468.47 984.65 211.45 105.56 1175.40 a. Private Sector 1835.47 1873.15 133.13 2256.55 939.21 237.80 720.25 802.91 653.92 1326.76 1468.47 984.65 211.45 105.56 1175.40 b. Financial Institutions 20.00 10.00 3.99 4.02 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 29.84 44.56 1.59 77.99 6.11 5.66 63.63 46.59 14.86 128.00 49.13 50.91 29.38 2.04 78.14 8 OTHER ASSETS 47.75 312.53 32.83 51.37 96.33 22.86 73.57 47.01 81.56 64.36 84.81 111.50 30.30 17.00 75.29 a. Accrued Interest: 13.12 230.19 7.68 30.96 74.21 11.27 48.99 13.00 72.07 47.97 55.88 94.66 16.24 9.81 48.46 b. Staff Loans / Adv. 5.03 20.33 0.33 0.90 3.47 0.50 0.71 0.43 0.99 0.07 2.98 4.82 c. Sundry Debtors 7.56 5.83 10.70 16.01 18.61 6.49 5.83 26.97 0.39 0.05 3.93 1.46 4.42 0.96 17.06 d. Cash In Transit e. Others 22.04 56.18 14.11 3.50 0.05 4.60 18.04 6.61 9.09 16.34 24.02 15.38 9.57 3.25 4.95 9 Expenses not Written off 1.06 2.96 1.57 0.02 1.76 10 Non Banking Assets 1.20 0.45 0.01 15.61 1.04 30.01 4.76 19.25 9.36 4.38 0.71 1.26 11 Reconcillation Account 0.33 0.98 574.58 1.87 1.30 1.23 9.28 12 Profit & Loss A/c 9.04 17.63 79.27 2.32 15.94 TOTAL ASSETS 2823.33 2386.37 329.31 3682.36 1233.05 366.82 1057.57 1322.76 1197.75 2153.71 2074.29 1335.41 419.40 136.32 1856.41

28 Statement of Assets and Liabilities as on Poush end 2068 Rs. in million Om Om

Liabilities IME ICFC CMB Fewa Royal Royal Patan Srijana Crystal Everest WMBFL CMBFCL Prudential Sagarmatha Guheshwori 1 CAPITAL FUND 69.76 289.94 124.41 116.56 167.32 147.82 363.12 189.53 142.33 353.91 102.33 383.59 400.62 584.32 192.49 a. Paid‐up Capital 36.40 246.75 150.00 181.98 935.07 70.00 299.09 135.35 110.00 300.30 74.85 293.06 355.73 431.84 137.50 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 21.11 23.72 7.42 42.83 6.19 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 5.41 e. Retained Earning 2.41 8.24 ‐74.05 ‐87.47 ‐807.47 26.15 40.98 10.16 23.94 7.29 20.45 71.56 0.52 20.30 31.08 f. Others Reserves Fund 0.44 29.86 16.80 1.54 20.30 0.50 5.25 1.08 2.51 g. Exchange Fluctuation Fund 2 BORROWINGS 88.06 112.85 309.48 124.00 4.00 159.90 30.00 a. NRB b. "A"Class Licensed Institution 34.00 101.00 174.85 104.00 147.40 30.00 c. Foreign Banks and Fin. Ins. d. Other Financial Ins. 54.06 11.85 134.63 20.00 4.00 12.50 e. Bonds and Securities 3 DEPOSITS 130.98 2433.19 493.96 653.69 1912.87 641.18 1857.73 742.35 362.99 2189.82 292.46 768.32 2979.15 4977.71 1220.39 a. Current Domestic Foreign b. Savings 81.61 1114.12 244.76 294.80 450.97 328.24 953.13 156.97 155.38 917.38 158.97 332.76 1534.45 3642.75 366.01 Domestic 81.61 1114.12 244.76 294.80 450.97 328.24 953.13 156.97 155.38 917.38 158.97 332.76 1534.45 3642.75 366.01 Foreign c. Fixed 41.66 1319.07 249.20 358.90 858.20 310.18 902.08 506.90 207.61 1066.57 133.49 435.22 1442.83 881.68 688.67 Domestic 41.66 1319.07 249.20 358.90 858.20 310.18 902.08 506.90 207.61 1066.57 133.49 435.22 1442.83 881.68 688.67 Foreign d. Call Deposits e. Others 7.72 603.70 2.76 2.51 78.48 205.87 0.34 1.88 453.28 165.71 4 Bills Payable 0.36 0.07 0.00 5 Other Liabilities 33.57 139.79 139.19 298.46 3277.37 213.29 140.64 91.03 85.06 167.61 45.76 268.94 215.63 246.87 78.76 1. Sundry Creditors 18.68 0.74 0.50 4.06 15.69 1.13 0.36 5.98 0.46 0.57 5.40 1.00 1.76 49.37 0.74 2. Loan Loss Provision 2.54 35.21 57.61 154.34 2557.01 37.97 38.50 35.79 25.92 57.49 13.29 102.31 51.94 116.87 32.07 3. Interest Suspense a/c 1.84 30.49 22.45 99.96 347.72 77.49 45.48 12.88 22.14 27.73 7.22 41.59 32.51 37.53 16.85 4. Others 10.51 73.35 58.63 40.10 356.95 96.70 56.30 36.39 36.55 81.82 19.86 124.04 129.41 43.09 29.09 6 Reconcillation A/c 214.64 7 Profit & Loss A/c 5.95 20.06 6.42 9.83 22.96 6.49 2.52 16.31 33.82 0.23 TOTAL LIABILITIES 240.25 2883.34 763.98 1156.78 5470.41 1311.76 2495.38 1045.88 594.39 2717.83 443.07 1580.76 3641.72 5842.72 1706.51 Assets 1 LIQUID FUNDS 48.70 538.18 195.09 24.95 129.05 49.79 385.16 216.50 76.45 734.66 152.28 59.45 888.24 1358.01 291.66 a. Cash Balance 2.99 29.96 2.52 9.49 3.99 1.85 22.44 5.20 2.73 47.79 4.71 4.39 76.68 108.08 11.18 Nepalese Notes & Coins 2.99 29.96 2.52 9.49 3.99 1.85 22.44 5.11 2.73 47.79 4.70 4.33 76.68 108.08 11.18 Foreign Currency 0.10 0.01 0.07 b. Bank Balance 17.52 508.22 192.57 9.95 125.07 47.54 91.95 15.24 73.72 97.45 147.57 55.06 751.56 260.61 280.48 1. In Nepal Rastra Bank 6.19 49.82 10.08 0.50 15.53 0.98 90.18 15.07 31.63 90.15 5.73 29.28 64.96 178.56 33.73 Domestic Currency 6.19 49.82 10.08 0.50 15.53 0.98 90.18 15.07 31.63 90.15 5.73 29.28 64.96 178.56 33.73 Foreign Currency 2. "A"Class Licensed Institution 10.33 315.38 1.19 1.36 38.21 45.64 1.74 0.16 38.58 7.03 115.28 18.00 225.96 82.05 84.62 Domestic Currency 10.33 315.38 1.19 1.36 38.21 45.64 1.74 0.16 38.58 7.03 115.28 18.00 225.96 82.05 84.62 Foreign Currency 3. Other Financial Ins. 1.00 143.02 181.30 8.09 71.33 0.91 0.02 0.01 3.50 0.26 26.56 7.78 460.65 162.13 4. In Foreign Banks c. Money at Call 28.19 5.51 0.40 270.77 196.05 589.43 60.00 989.32 Domestic Currency 28.19 5.51 0.40 270.77 196.05 589.43 60.00 989.32 Foreign Currency 2 INVESTMENT IN SECURITIES 0.32 74.55 20.00 32.00 0.20 92.85 28.00 0.55 32.03 29.94 119.74 35.00 a. Govt.Securities 74.55 20.00 32.00 0.20 92.85 28.00 0.55 32.03 29.94 119.74 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 40.08 10.03 5.60 70.40 10.19 57.63 0.55 18.18 76.10 2.09 61.63 a. Non Residents 3.10 42.69 b. Others 1.03 11.76 40.08 10.03 2.50 27.71 10.19 57.63 0.55 18.18 76.10 2.09 61.63 4 LOANS & ADVANCES 167.98 2145.19 416.92 877.82 3020.31 963.84 1727.92 709.21 356.07 1895.67 265.22 1098.82 2421.95 3799.05 1052.41 a. Private Sector 167.98 2145.19 416.92 866.58 2820.52 653.79 1686.35 709.21 353.27 1895.67 265.22 1083.82 2421.95 3764.05 1047.17 b. Financial Institutions 7.50 199.79 310.05 41.56 2.50 15.00 35.00 5.24 c. Government Organizations 3.74 0.30 5 BILL PURCHASED 3.80 1.50 a. Domestic Bills Purchased 3.80 1.50 b. Foreign Bills Purchased c. Import Bills & Imports 6 LOANS AGAINST COLLECTED BILLS a. Against Domestic Bills b. Against Foreign Bills 7 FIXED ASSETS 4.94 66.97 17.40 30.16 158.73 107.19 143.00 58.79 22.02 35.79 3.32 190.39 79.57 452.27 20.78 8 OTHER ASSETS 17.36 54.99 87.76 132.01 466.81 166.65 71.89 22.49 61.31 50.99 21.70 106.33 145.14 111.55 30.38 a. Accrued Interest: 1.84 30.49 22.45 105.80 347.72 77.49 45.48 12.88 28.04 27.73 7.22 41.76 49.31 37.53 16.85 b. Staff Loans / Adv. 1.39 4.34 1.89 12.66 0.36 4.61 2.10 0.88 14.03 22.32 14.40 0.05 c. Sundry Debtors 3.52 4.75 2.44 0.06 3.96 61.33 0.31 4.64 0.24 3.13 2.28 3.86 1.93 2.64 d. Cash In Transit e. Others 10.60 15.40 60.97 13.49 114.76 27.83 21.48 4.97 30.94 20.13 11.32 50.53 69.65 57.69 10.83 9 Expenses not Written off 0.17 2.44 0.30 4.17 0.69 0.78 10 Non Banking Assets 0.79 14.76 2.74 5.66 11 Reconcillation Account 0.66 0.04 0.16 214.66 12 Profit & Loss A/c 16.36 1685.44 18.49 11.46 74.06 TOTAL ASSETS 240.25 2883.34 763.98 1156.78 5470.41 1311.76 2495.38 1045.88 594.39 2717.83 443.07 1580.76 3641.72 5842.72 1706.51

29 Statement of Assets and Liabilities as on Poush end 2068 Rs. in million Api Seti Liabilities Civil NEFL Kaski hama Kuber Valley Prabhu Shikhar reliable Swastik Imperial Namaste Lord Buddha 1 CAPITAL FUND 148.33 168.01 526.04 164.11 195.01 161.55 153.03 51.15 164.92 257.37 198.55 120.09 132.97 20.37 257.38 a. Paid‐up Capital 137.50 130.00 469.20 149.73 150.00 143.00 128.00 40.00 200.00 221.39 168.27 114.00 126.00 14.20 240.74 b. Calls in Advance 25.23 c. General Reserves 10.24 9.48 39.46 12.85 2.57 8.71 5.10 2.59 0.85 26.04 10.24 5.48 5.29 1.56 13.96 d. Share Premium 0.10 0.18 3.41 0.62 0.03 0.45 0.33 e. Retained Earning 0.49 28.04 13.40 1.53 16.59 9.33 19.93 8.56 ‐35.93 9.94 0.42 1.23 4.60 2.35 f. Others Reserves Fund 0.31 0.57 0.51 20.02 0.19 g. Exchange Fluctuation Fund 2 BORROWINGS 23.80 79.30 79.89 a. NRB 9.00 b. "A"Class Licensed Institution 23.80 15.40 79.89 c. Foreign Banks and Fin. Ins. d. Other Financial Ins. 54.90 e. Bonds and Securities 3 DEPOSITS 608.09 457.95 6027.15 755.29 871.58 515.85 885.45 118.36 367.22 1743.85 573.23 300.36 702.76 79.17 1100.69 a. Current Domestic Foreign b. Savings 249.79 194.44 4611.58 266.78 253.23 341.77 186.46 85.43 104.04 1235.49 395.82 147.29 498.23 68.71 622.76 Domestic 249.79 194.44 4611.58 266.78 253.23 341.77 186.46 85.43 104.04 1235.49 395.82 147.29 498.23 68.71 622.76 Foreign c. Fixed 356.90 235.26 1385.36 488.52 618.35 173.96 436.55 32.93 158.60 508.37 177.41 152.99 204.53 10.42 477.92 Domestic 356.90 235.26 1385.36 488.52 618.35 173.96 436.55 32.93 158.60 508.37 177.41 152.99 204.53 10.42 477.92 Foreign d. Call Deposits e. Others 1.41 28.25 30.21 0.13 262.44 104.58 0.08 0.04 4 Bills Payable 5 Other Liabilities 71.01 51.69 243.40 60.49 149.44 27.41 82.91 17.18 212.25 108.10 31.01 15.85 26.35 2.86 54.96 1. Sundry Creditors 0.26 0.19 1.67 0.64 18.24 5.71 3.48 0.35 0.12 23.17 0.43 0.39 0.26 0.07 1.57 2. Loan Loss Provision 21.64 14.92 52.13 20.49 36.70 5.39 30.16 5.96 151.41 35.45 12.52 3.99 8.65 1.62 18.99 3. Interest Suspense a/c 11.85 18.87 39.48 24.01 68.89 1.37 21.45 4.37 49.51 27.48 5.54 3.62 4.39 0.21 13.01 4. Others 37.26 17.71 150.12 15.35 25.61 14.93 27.82 6.50 11.21 22.00 12.53 7.86 13.04 0.96 21.38 6 Reconcillation A/c 43.10 482.73 0.00 ‐0.20 0.07 7 Profit & Loss A/c 5.92 2.54 30.87 5.44 8.17 1.71 2.79 11.67 3.29 4.13 6.58 2.58 10.05 TOTAL LIABILITIES 857.15 680.19 6827.46 1028.43 1778.06 712.97 1122.90 189.47 744.39 2200.95 806.09 440.43 868.66 104.97 1423.07 Assets 1 LIQUID FUNDS 155.74 155.01 1784.16 252.93 73.21 206.58 224.13 38.05 152.21 672.53 289.67 147.75 309.35 28.93 353.49 a. Cash Balance 5.70 1.25 223.85 3.78 16.24 6.99 17.66 3.45 4.02 40.58 4.13 1.82 9.88 1.90 13.36 Nepalese Notes & Coins 5.70 1.25 223.72 3.78 16.24 6.98 17.66 3.42 4.02 40.58 4.13 1.82 9.88 1.82 13.36 Foreign Currency 0.13 0.01 0.03 0.08 b. Bank Balance 150.04 153.75 1560.31 249.15 56.97 199.59 206.47 34.60 8.46 30.14 285.54 145.92 20.41 2.23 340.13 1. In Nepal Rastra Bank 23.45 10.04 1161.08 46.59 1.91 32.68 30.58 0.16 6.94 29.44 11.72 13.77 19.81 26.19 Domestic Currency 23.45 10.04 1161.06 46.59 1.91 32.68 30.58 0.16 6.94 29.44 11.72 13.77 19.81 26.19 Foreign Currency 0.02 2. "A"Class Licensed Institution 56.00 9.65 260.29 179.69 8.22 96.26 118.84 15.19 1.24 0.70 120.01 116.26 0.31 2.22 109.69 Domestic Currency 56.00 9.65 260.22 179.69 8.22 96.26 118.84 15.19 1.24 0.70 120.01 116.26 0.31 2.22 109.69 Foreign Currency 0.07 3. Other Financial Ins. 70.60 134.07 138.94 22.87 46.84 70.65 57.05 19.25 0.28 153.81 15.89 0.29 0.01 204.24 4. In Foreign Banks c. Money at Call 139.74 601.81 279.06 24.80 Domestic Currency 139.74 601.81 279.06 24.80 Foreign Currency 2 INVESTMENT IN SECURITIES 24.68 20.00 82.09 10.00 9.99 24.98 1.50 17.05 94.49 16.00 4.00 29.94 a. Govt.Securities 24.68 20.00 82.09 10.00 9.99 24.98 1.50 17.05 89.49 16.00 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 12.30 3.21 35.00 14.88 0.10 0.10 0.10 1.00 44.13 0.40 5.10 a. Non Residents b. Others 12.30 3.21 35.00 14.88 0.10 0.10 0.10 1.00 44.13 0.40 5.10 4 LOANS & ADVANCES 640.66 456.27 3916.39 626.79 1062.54 460.19 812.47 141.01 445.83 1256.76 443.20 270.33 519.42 67.72 1005.77 a. Private Sector 633.28 456.27 3916.39 612.60 1062.54 450.39 812.47 141.01 433.23 1229.26 433.44 270.33 519.42 67.72 1005.77 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 19.98 2.60 a. Domestic Bills Purchased 19.98 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 2.32 311.11 27.38 30.16 9.54 22.75 1.43 7.64 134.46 3.94 5.61 11.75 0.59 16.15 8 OTHER ASSETS 29.41 34.18 666.42 33.22 102.23 11.42 38.11 6.16 99.12 40.38 9.16 11.40 27.06 2.63 17.56 a. Accrued Interest: 11.85 19.23 43.93 24.01 68.89 1.47 21.45 4.36 49.51 27.81 5.53 3.62 4.39 0.21 13.01 b. Staff Loans / Adv. 2.95 0.70 6.77 6.19 4.36 0.91 1.38 0.45 1.33 0.15 2.88 11.90 0.13 0.09 c. Sundry Debtors 0.81 0.48 2.56 0.15 20.80 4.84 5.30 0.47 0.19 5.59 0.30 0.65 7.69 1.47 0.08 d. Cash In Transit e. Others 13.80 13.76 613.16 2.87 8.18 4.20 9.99 1.33 48.97 5.64 3.16 4.25 3.07 0.82 4.38 9 Expenses not Written off 1.39 0.12 0.38 0.38 1.33 0.95 1.09 0.14 10 Non Banking Assets 0.95 0.85 11 Reconcillation Account 44.10 43.10 482.30 0.36 0.02 12 Profit & Loss A/c 24.08 22.45 TOTAL ASSETS 857.15 680.19 6827.46 1028.43 1778.06 712.97 1122.90 189.47 744.39 2200.95 806.09 440.43 868.66 104.97 1423.07

30 Statement of Assets and Liabilities as on Poush end 2068 Rs. in million

Liabilities n Jebils Lotus Zenith Unique Baibhav Reliance Bhaktapur Subhalaxmi Manjushree Suryadarsha 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 496.89 850.38 372.09 652.90 488.64 318.68 796.16 276.68 99.30 133.66 a. Current Domestic Foreign b. Savings 292.07 389.76 58.57 52.97 98.77 84.77 108.69 79.36 48.38 60.29 Domestic 292.07 389.76 58.57 52.97 98.77 84.77 108.69 79.36 48.38 60.29 Foreign c. Fixed 204.63 269.14 211.67 225.50 351.92 148.54 344.29 110.86 26.87 13.45 Domestic 204.63 269.14 211.67 225.50 351.92 148.54 344.29 110.86 26.87 13.45 Foreign d. Call Deposits 59.92 e. Others 0.19 191.48 101.85 374.44 37.95 85.37 343.18 86.46 24.05 4 Bills Payable 5 Other Liabilities 35.18 28.02 49.09 35.32 40.63 16.72 49.44 14.67 3.80 4.49 1. Sundry Creditors 2.23 0.63 0.61 0.80 1.72 1.20 3.64 0.12 0.01 2. Loan Loss Provision 6.90 11.32 7.49 11.74 8.26 6.98 17.48 3.19 2.83 0.92 3. Interest Suspense a/c 7.11 6.43 1.32 9.94 2.99 4.69 10.45 6.34 4. Others 18.94 9.63 39.68 12.83 27.67 3.84 17.86 5.02 0.97 3.56 6 Reconcillation A/c 0.07 7 Profit & Loss A/c 4.67 9.69 12.45 5.77 7.23 0.96 4.85 5.28 5.14 2.08 TOTAL LIABILITIES 655.65 1104.74 641.39 873.25 746.58 442.81 1003.90 423.70 257.15 269.12 Assets 1 LIQUID FUNDS 189.44 302.28 179.17 182.70 216.20 117.91 372.70 131.20 163.16 125.21 a. Cash Balance 6.25 28.43 4.73 10.15 4.33 5.98 17.24 0.92 1.30 3.13 Nepalese Notes & Coins 6.25 28.43 4.73 10.15 4.33 5.98 17.24 0.92 1.30 3.13 Foreign Currency b. Bank Balance 183.19 273.84 174.44 172.55 211.87 111.93 355.46 130.29 161.86 122.08 1. In Nepal Rastra Bank 12.26 22.16 0.87 7.95 17.12 24.37 26.77 38.19 3.55 47.21 Domestic Currency 12.26 22.16 0.87 7.95 17.12 24.37 26.77 38.19 3.55 47.21 Foreign Currency 2. "A"Class Licensed Institution 65.66 72.47 42.45 152.79 61.19 27.47 26.72 2.44 66.35 50.93 Domestic Currency 65.66 72.47 42.45 152.79 61.19 27.47 26.72 2.44 66.35 50.93 Foreign Currency 3. Other Financial Ins. 105.27 179.21 131.12 11.81 133.57 60.09 301.98 89.66 91.96 23.95 4. In Foreign Banks c. Money at Call Domestic Currency Foreign Currency 2 INVESTMENT IN SECURITIES 13.11 20.00 17.00 13.82 8.00 4.00 2.49 a. Govt.Securities 13.11 20.00 17.00 13.82 8.00 4.00 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 0.94 6.00 40.00 a. Non Residents b. Others 3.21 2.10 0.94 6.00 40.00 4 LOANS & ADVANCES 426.93 739.71 429.04 642.99 484.24 288.23 589.08 273.07 84.17 91.86 a. Private Sector 416.32 739.71 419.34 626.39 473.74 284.23 577.38 267.77 91.86 b. Financial Institutions 8.88 9.70 16.60 10.50 4.00 11.70 5.30 84.17 c. Government Organizations 1.74 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 9.18 7.95 2.91 20.89 15.03 9.63 9.03 4.91 8.06 6.59 8 OTHER ASSETS 16.99 31.60 11.17 26.67 17.29 16.60 27.60 8.51 1.76 1.29 a. Accrued Interest: 10.54 6.43 1.32 9.94 2.99 5.00 6.06 6.34 0.10 b. Staff Loans / Adv. 0.58 18.86 0.41 10.87 6.72 6.57 0.31 0.10 0.28 c. Sundry Debtors 1.14 0.31 1.75 1.20 1.03 2.34 0.46 0.09 0.28 d. Cash In Transit e. Others 4.73 5.99 7.69 4.65 7.58 4.01 18.89 1.61 1.39 0.91 9 Expenses not Written off 1.51 1.49 1.68 10 Non Banking Assets 11 Reconcillation Account 12 Profit & Loss A/c TOTAL ASSETS 655.65 1104.74 641.39 873.25 746.58 442.81 1003.90 423.70 257.15 269.12

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

Expenses NBL HBL RBB NIBL NSBI NABIL SCBNL

1 Interest Expenses 1042.00 1491.66 1672.33 1959.08 565.14 1466.00 1278.75 1.1 Deposit Liabilities 1034.00 1484.31 1653.02 1915.24 563.07 1435.00 1272.72 1.1.1 Saving A/c 642.00 652.66 346.67 334.31 127.59 452.00 134.65 1.1.2 Fixed A/c 392.00 793.77 894.17 1070.48 288.22 744.00 1035.91 1.1.2.1 Upto 3 Months Fixed A/c 0.07 134.13 19.90 0.04 428.65 1.1.2.2 3 to 6 Months fixed A/c 1.38 178.83 2.42 108.83 1.1.2.3 6 Months to 1 Year Fixed A/c 616.90 447.08 45.45 308.33 1.1.2.4 Above 1 Year 392.00 175.42 134.13 1050.57 240.30 744.00 190.11 1.1.3 Call Deposit 37.88 412.18 510.45 147.26 239.00 102.16 1.1.4 Certificate of Deposits 1.2 Others 8.00 7.35 19.31 43.84 2.08 31.00 6.03 2 Commission/Fee Expense 31.70 64.93 42.26 3 Employees Expenses 669.00 653.09 244.44 159.73 179.72 258.00 147.26 4 Office Operatiing Expenses 239.00 446.08 196.40 202.62 180.81 306.00 218.03 5 Exchange Fluctuation Loss 0.10 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 0.10 6 Non‐Operatiing Expenses 2.19 0.15 7. Provision for Risk 857.00 455.69 551.41 424.35 109.06 146.00 45.30 7.1 Loan loss Provision 857.00 455.69 522.46 424.35 109.06 146.00 45.30 7.1.1 General Loan loss Provision 353.66 20.75 254.53 146.00 14.59 7.1.2 Special Loan Loss Provision 857.00 102.03 501.71 169.82 109.06 30.72 7.1.3 Additional Loan Loss Provision 7.2. Provision for Non‐Banking Assets 7.3. Provision for Loss on Investment 23.89 7.4. Provision for Loss of Other Assets 5.06 8 Loan Written Off 4.44 23.27 9 Provision for Staff Bonus 93.72 68.55 79.31 49.00 29.24 10 Provision for Income Tax 278.49 206.81 237.93 146.00 88.46 11 Others 0.46 12 Net Profit 553.33 658.66 478.74 555.17 339.99 204.70 TOTAL EXPENSES 2807.00 3638.74 3760.38 3542.14 1930.42 2710.99 2011.90

Income 1. Interest Income 1866.00 2810.76 3022.34 2893.30 1485.21 2258.00 1748.92 1.1. On Loans and Advance 1680.00 2381.14 2559.32 2725.87 1076.67 1985.00 1372.17 1.2. On Investment 183.00 385.92 339.41 137.00 343.46 258.00 195.25 1.2.1 Government Bonds 183.00 377.70 333.24 137.00 343.13 258.00 155.73 1.2.2 Foreign Bonds 6.17 1.2.3 NRB Bonds 0.02 39.52 1.2.4 Deventure & Bonds 8.20 0.33 1.3 Agency Balance 39.46 0.03 28.54 0.39 164.27 1.4 On Call Deposit 3.00 2.39 96.52 1.89 4.77 15.00 0.65 1.5 Others 1.85 27.06 59.92 16.57 2. Comission & Discount 53.00 185.44 335.03 95.49 89.36 247.00 181.72 2.1 Bills Purchase & Discount 0.42 1.93 6.11 4.59 46.00 0.06 2.2 Comission 53.00 174.43 332.11 89.97 62.35 168.00 128.50 2.3 Others 10.59 0.99 ‐0.59 22.43 33.00 53.16 3 Income From Exchange Fluctuation 25.00 50.93 198.12 132.98 254.64 119.00 47.63 3.1 Due to Change in Exchange Rate 10.00 42.83 130.74 30.67 97.12 13.00 1.92 3.2 Due to Foreign Currency Trans. 15.00 8.10 67.38 102.31 157.52 106.00 45.71 4 Other Operating Income 136.77 419.95 18.88 82.00 5 Non Operating Income 18.53 9.17 0.42 0.02 4.00 0.14 6 Provision Written Back 6.00 295.68 194.54 65.77 27.45 7 Recovery from Written off Loan 55.00 86.33 1.18 16.55 6.05 8 Income from Extra Ordinary Expenses 79.00 54.30 0.99 9 Net Loss 723.00 TOTAL INCOME 2807.00 3638.74 3760.38 3542.14 1930.42 2710.99 2011.90

32 Profit and Loss Account upto Poush 2068 Rs. in million LBL NIC Expenses EBL NCC BOK MBL NBBL Kumari

1 Interest Expenses 483.97 1473.70 752.26 493.32 824.70 316.89 757.38 795.06 1.1 Deposit Liabilities 483.96 1462.34 736.52 490.11 813.11 316.83 741.48 765.87 1.1.1 Saving A/c 231.28 283.81 147.81 188.12 105.19 62.44 207.33 165.69 1.1.2 Fixed A/c 148.30 848.01 431.49 202.17 521.91 224.85 338.83 412.71 1.1.2.1 Upto 3 Months Fixed A/c 156.82 16.81 1.18 1.1.2.2 3 to 6 Months fixed A/c 25.04 218.47 10.89 1.90 1.1.2.3 6 Months to 1 Year Fixed A/c 353.42 431.49 11.49 179.64 224.85 175.94 1.1.2.4 Above 1 Year 123.26 119.30 190.68 314.57 159.81 412.71 1.1.3 Call Deposit 104.38 330.52 157.22 99.83 186.02 29.54 195.32 187.48 1.1.4 Certificate of Deposits 1.2 Others 0.01 11.36 15.73 3.21 11.59 0.06 15.90 29.19 2 Commission/Fee Expense 7.30 3 Employees Expenses 84.94 160.90 121.48 57.64 71.58 35.44 81.74 97.46 4 Office Operatiing Expenses 64.46 204.85 153.57 67.57 97.43 47.55 139.23 94.88 5 Exchange Fluctuation Loss 12.26 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 12.26 6 Non‐Operatiing Expenses 4.52 0.52 0.01 7. Provision for Risk 206.06 34.87 63.20 54.56 31.54 58.38 204.11 7.1 Loan loss Provision 185.98 34.87 63.20 54.56 31.54 58.38 204.11 7.1.1 General Loan loss Provision 23.30 34.87 12.41 31.54 12.82 7.1.2 Special Loan Loss Provision 162.68 19.01 54.56 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 69.58 39.03 30.00 8.73 0.83 3.59 10 Provision for Income Tax 208.73 120.10 89.99 31.04 2.48 10.77 11 Others 12 Net Profit 147.64 487.03 270.22 107.94 209.98 56.26 5.79 25.13 TOTAL EXPENSES 998.90 2639.66 1519.86 859.78 1324.20 527.44 1103.98 1243.28

Income 1. Interest Income 684.33 2393.66 1306.96 693.60 1220.98 498.56 908.48 1129.90 1.1. On Loans and Advance 598.02 2140.62 1146.93 623.85 1060.47 456.71 872.59 1009.70 1.2. On Investment 77.89 253.04 157.60 66.21 149.98 40.31 32.68 9.99 1.2.1 Government Bonds 65.17 160.28 156.95 56.18 94.19 40.31 30.74 9.99 1.2.2 Foreign Bonds 10.60 5.54 1.2.3 NRB Bonds 12.72 82.16 6.16 50.25 1.2.4 Deventure & Bonds 0.65 3.88 1.94 1.3 Agency Balance 0.01 0.00 0.99 1.4 On Call Deposit 1.70 0.22 9.92 3.21 1.5 Others 6.71 2.21 3.54 0.61 0.55 110.21 2. Comission & Discount 88.49 108.18 111.12 24.66 39.33 9.55 22.92 76.76 2.1 Bills Purchase & Discount 4.60 0.50 22.18 1.41 0.31 0.01 0.28 1.03 2.2 Comission 81.24 107.68 88.93 23.25 20.52 9.55 21.80 75.73 2.3 Others 2.65 18.50 0.85 3 Income From Exchange Fluctuation 31.16 59.90 77.80 12.03 34.99 7.13 30.23 36.39 3.1 Due to Change in Exchange Rate 2.44 67.85 9.16 ‐2.38 2.51 4.45 36.39 3.2 Due to Foreign Currency Trans. 28.72 ‐7.95 77.80 2.87 37.37 4.61 25.79 4 Other Operating Income 21.05 75.83 0.70 23.93 28.90 8.23 22.53 5 Non Operating Income 36.88 2.09 1.16 8.04 0.11 6 Provision Written Back 112.67 22.12 94.45 61.68 0.12 7 Recovery from Written off Loan 24.31 0.18 58.14 8 Income from Extra Ordinary Expenses 3.07 3.79 9 Net Loss TOTAL INCOME 998.90 2639.66 1519.86 859.78 1324.20 527.44 1103.98 1243.28

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

Expenses SBL BOA Laxmi Prime Global ADBNL Sunrise Citizens

1 Interest Expenses 827.03 1036.71 1190.10 742.28 730.80 1010.92 673.91 661.17 1.1 Deposit Liabilities 812.15 1034.69 1181.69 742.28 718.01 1004.19 673.91 660.34 1.1.1 Saving A/c 175.82 130.58 441.33 334.34 116.82 71.23 84.49 190.22 1.1.2 Fixed A/c 495.49 628.06 722.11 247.74 456.75 488.12 436.65 329.30 1.1.2.1 Upto 3 Months Fixed A/c 1.01 10.11 2.02 45.48 8.18 1.1.2.2 3 to 6 Months fixed A/c 5.53 45.69 2.65 28.35 20.15 39.90 1.1.2.3 6 Months to 1 Year Fixed A/c 207.91 278.63 60.95 304.35 432.92 281.16 1.1.2.4 Above 1 Year 281.05 293.63 656.49 247.74 78.57 35.05 436.65 0.06 1.1.3 Call Deposit 140.83 276.05 17.64 160.21 144.44 444.84 152.77 140.81 1.1.4 Certificate of Deposits 0.61 1.2 Others 14.88 2.02 8.41 12.79 6.73 0.84 2 Commission/Fee Expense 5.93 0.35 1.25 3 Employees Expenses 81.04 77.48 1036.81 69.64 51.30 43.47 69.53 92.67 4 Office Operatiing Expenses 88.37 140.37 120.99 190.63 98.07 77.61 84.19 121.08 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 2.60 3.15 7. Provision for Risk 35.26 111.27 938.46 87.78 182.48 36.97 107.91 7.1 Loan loss Provision 35.26 111.27 932.26 87.78 152.05 36.97 84.57 7.1.1 General Loan loss Provision 8.92 111.27 87.75 5.20 16.38 2.07 84.57 7.1.2 Special Loan Loss Provision 16.52 844.51 82.58 135.68 34.90 7.1.3 Additional Loan Loss Provision 9.81 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 0.95 8 Loan Written Off 18.95 9 Provision for Staff Bonus 25.26 13.31 66.83 14.99 10.04 16.58 5.51 10 Provision for Income Tax 75.78 39.94 147.07 44.98 30.13 49.74 16.52 11 Others 2.72 12 Net Profit 176.83 93.19 688.27 104.95 113.52 70.31 116.06 38.55 TOTAL EXPENSES 1309.57 1512.27 4214.53 1176.55 1081.82 1424.98 1046.98 1044.66

Income 1. Interest Income 1158.10 1379.17 3128.19 1048.86 945.84 1324.79 940.01 879.36 1.1. On Loans and Advance 1107.82 1290.24 2883.47 957.63 885.49 1267.63 850.12 840.05 1.2. On Investment 50.28 62.70 214.49 89.45 36.39 79.11 27.90 1.2.1 Government Bonds 48.35 214.49 89.21 36.39 79.11 0.82 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 62.70 27.08 1.2.4 Deventure & Bonds 1.93 0.24 1.3 Agency Balance 0.16 0.02 9.49 1.4 On Call Deposit 26.07 0.99 23.94 1.5 Others 30.24 0.79 57.16 10.77 1.91 2. Comission & Discount 103.84 86.13 51.19 74.66 38.22 26.10 43.44 42.19 2.1 Bills Purchase & Discount 4.54 0.40 6.35 0.55 0.07 0.50 2.2 Comission 96.32 44.15 51.19 71.41 15.08 25.54 12.60 29.72 2.3 Others 2.97 41.98 2.85 16.79 30.77 11.97 3 Income From Exchange Fluctuation 40.00 46.97 21.84 24.82 12.26 12.38 ‐24.70 17.32 3.1 Due to Change in Exchange Rate 9.10 9.59 5.76 5.69 2.57 ‐37.48 0.89 3.2 Due to Foreign Currency Trans. 30.90 37.38 21.84 19.06 6.58 9.81 12.78 16.43 4 Other Operating Income 179.15 25.06 6.24 54.12 14.01 5 Non Operating Income 2.80 7.17 3.15 1.21 6 Provision Written Back 4.83 604.12 78.04 88.24 92.82 7 Recovery from Written off Loan 123.68 7.61 ‐1.03 8 Income from Extra Ordinary Expenses 0.01 99.18 9 Net Loss TOTAL INCOME 1309.57 1512.27 4214.53 1176.55 1081.82 1424.98 1046.98 1044.66

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

Expenses Kist NMB NIDC DCBL Mega Janata CTBNL Century Civil Bank 1 Interest Expenses 518.65 629.50 778.01 223.67 356.97 181.47 229.40 101.65 14.95 1.1 Deposit Liabilities 513.14 626.12 773.90 222.62 353.96 180.87 224.20 101.43 14.95 1.1.1 Saving A/c 280.28 79.05 286.41 18.26 113.64 22.69 16.63 26.64 2.15 1.1.2 Fixed A/c 48.30 411.66 355.12 121.41 179.26 74.65 98.13 48.05 11.83 1.1.2.1 Upto 3 Months Fixed A/c 8.82 0.83 13.62 52.02 8.85 1.1.2.2 3 to 6 Months fixed A/c 0.01 18.55 5.24 8.17 3.98 0.10 1.1.2.3 6 Months to 1 Year Fixed A/c 42.12 85.25 290.88 86.36 118.76 54.89 48.05 0.03 1.1.2.4 Above 1 Year 6.18 317.59 44.86 16.19 0.32 74.65 30.41 11.70 1.1.3 Call Deposit 182.03 135.40 132.37 82.95 61.06 83.53 109.44 26.75 0.96 1.1.4 Certificate of Deposits 2.52 1.2 Others 5.51 3.38 4.12 1.05 3.01 0.60 5.20 0.21 2 Commission/Fee Expense 0.18 3 Employees Expenses 42.75 47.75 114.27 37.37 53.41 28.73 39.75 16.97 15.10 4 Office Operatiing Expenses 46.42 75.45 138.25 51.69 71.21 44.51 52.93 32.93 15.56 5 Exchange Fluctuation Loss 0.52 5.1 Due to Change in Exchange Rates 0.52 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 7. Provision for Risk ‐37.09 87.50 33.55 60.18 74.67 16.52 21.87 7.37 7.1 Loan loss Provision ‐37.09 84.39 29.76 15.18 56.53 16.52 21.87 7.37 7.1.1 General Loan loss Provision 6.59 3.52 0.79 15.18 28.32 16.52 21.87 7.37 7.1.2 Special Loan Loss Provision ‐43.68 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 7.4. Provision for Loss of Other Assets 45.00 8 Loan Written Off 0.10 9 Provision for Staff Bonus 7.91 0.34 0.16 7.74 10 Provision for Income Tax 23.72 1.02 0.47 10.73 11 Others 12 Net Profit 127.07 85.98 2.39 1.09 86.06 TOTAL EXPENSES 729.95 926.19 1067.94 372.91 556.26 272.93 344.13 158.92 150.14

Income 1. Interest Income 699.63 840.92 1007.16 331.04 483.90 248.71 302.37 142.67 67.02 1.1. On Loans and Advance 643.47 771.06 910.56 310.78 434.06 222.26 291.40 112.35 47.67 1.2. On Investment 52.34 64.02 78.49 19.34 8.44 11.30 9.76 15.18 0.20 1.2.1 Government Bonds 52.34 63.25 78.49 19.33 8.44 1.45 9.76 0.20 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 0.01 9.84 15.18 1.2.4 Deventure & Bonds 0.77 1.3 Agency Balance 0.51 0.00 0.03 1.4 On Call Deposit 0.09 5.69 0.91 14.04 1.22 1.5 Others 3.83 5.74 11.91 0.00 27.32 15.16 15.14 19.15 2. Comission & Discount 9.00 14.25 52.10 28.48 7.49 21.39 17.94 10.94 2.1 Bills Purchase & Discount 1.38 0.60 0.87 0.11 0.29 2.2 Comission 7.63 13.27 12.64 26.62 7.38 1.57 17.64 0.96 2.3 Others 0.38 38.58 1.86 19.82 9.97 3 Income From Exchange Fluctuation 4.69 21.65 8.51 6.56 10.32 2.82 8.24 0.72 3.1 Due to Change in Exchange Rate 0.57 0.24 2.33 10.02 2.82 ‐0.97 0.72 3.2 Due to Foreign Currency Trans. 4.69 21.07 8.28 4.22 0.29 9.21 4 Other Operating Income 16.15 28.16 16.12 12.56 11.54 5 Non Operating Income 0.48 7.97 0.16 0.06 0.06 47.52 6 Provision Written Back 11.11 24.07 7 Recovery from Written off Loan 2.13 8 Income from Extra Ordinary Expenses 9 Net Loss 6.77 38.37 3.02 4.59 TOTAL INCOME 729.95 926.19 1067.94 372.91 556.26 272.93 344.13 158.92 150.14

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

Expenses SDBL PDBL UDBL MDBL Malika Narayani Sahayogi Uddhyam Pashupati 1 Interest Expenses 11.51 38.91 201.55 2.81 118.41 52.14 84.18 45.64 28.02 1.1 Deposit Liabilities 11.51 38.91 199.36 0.87 110.68 48.70 84.09 45.64 27.00 1.1.1 Saving A/c 2.05 31.89 80.66 0.26 13.62 28.61 42.57 34.30 6.52 1.1.2 Fixed A/c 5.26 5.27 85.31 0.62 50.07 20.09 30.87 10.35 14.01 1.1.2.1 Upto 3 Months Fixed A/c 4.94 1.27 0.99 0.07 1.1.2.2 3 to 6 Months fixed A/c 2.18 0.63 0.29 1.03 1.1.2.3 6 Months to 1 Year Fixed A/c 4.70 1.61 27.92 10.70 6.52 26.03 2.64 11.38 1.1.2.4 Above 1 Year 0.56 3.66 50.27 0.62 39.36 11.68 3.55 7.71 1.52 1.1.3 Call Deposit 4.21 1.75 33.39 46.99 10.65 1.00 6.47 1.1.4 Certificate of Deposits 1.2 Others 2.19 1.94 7.73 3.44 0.09 1.02 2 Commission/Fee Expense 1.12 0.10 3 Employees Expenses 2.67 16.66 24.25 0.66 22.54 6.32 17.18 5.27 10.17 4 Office Operatiing Expenses 3.79 18.97 34.11 0.27 30.48 5.32 16.09 9.05 13.80 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 41.17 7. Provision for Risk 3.04 11.98 34.50 0.57 53.53 16.15 7.41 6.80 3.32 7.1 Loan loss Provision 3.03 11.98 33.32 0.57 53.53 11.93 7.41 6.80 3.32 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 9.31 31.56 0.57 53.53 10.71 6.18 5.55 2.67 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 1.19 4.22 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus 3.22 4.46 1.79 10 Provision for Income Tax 9.66 13.31 5.37 11 Others 0.02 12 Net Profit 22.54 31.34 12.53 15.32 28.11 TOTAL EXPENSES 21.02 121.95 344.66 4.30 266.13 79.93 144.54 82.08 83.52

Income 1. Interest Income 14.40 92.91 304.77 0.76 167.54 60.20 132.76 73.26 77.70 1.1. On Loans and Advance 10.97 72.55 277.53 0.76 147.19 43.75 110.71 56.84 63.86 1.2. On Investment 2.48 8.36 9.36 0.99 1.2.1 Government Bonds 2.48 8.36 9.36 0.54 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 0.45 1.2.4 Deventure & Bonds 1.3 Agency Balance 9.93 9.25 1.4 On Call Deposit 3.44 14.96 18.44 0.01 17.59 16.42 1.5 Others 2.91 0.43 1.07 7.21 3.47 13.85 2. Comission & Discount 0.32 4.27 3.61 0.01 3.96 0.20 1.77 2.70 0.29 2.1 Bills Purchase & Discount 0.05 0.00 2.2 Comission 0.06 4.27 3.56 3.96 0.20 1.77 2.70 0.29 2.3 Others 0.27 0.01 3 Income From Exchange Fluctuation 0.35 0.12 3.1 Due to Change in Exchange Rate 0.24 0.12 3.2 Due to Foreign Currency Trans. 0.12 4 Other Operating Income 5.93 11.49 0.88 9.73 5.74 5.51 5 Non Operating Income 18.84 0.35 0.24 0.28 ‐0.06 6 Provision Written Back 1.67 24.10 47.26 3.31 0.38 0.06 7 Recovery from Written off Loan 0.35 8 Income from Extra Ordinary Expenses 9 Net Loss 4.62 3.18 47.25 15.09 TOTAL INCOME 21.02 121.95 344.66 4.30 266.13 79.93 144.54 82.08 83.52

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

Expenses ar Triveni Karnali Gurkha Sanima Bhrikuti Suvekchha Annapurna Gaurishank Bageshwori 1 Interest Expenses 33.13 84.71 98.58 105.13 51.03 45.83 353.42 67.15 182.24 1.1 Deposit Liabilities 33.13 84.65 63.85 104.89 47.11 45.76 348.32 67.15 179.16 1.1.1 Saving A/c 23.29 42.04 23.00 64.47 15.01 31.41 124.97 16.92 50.05 1.1.2 Fixed A/c 9.84 28.05 22.63 28.08 21.21 5.61 181.24 6.40 107.80 1.1.2.1 Upto 3 Months Fixed A/c 0.06 1.37 2.35 0.00 1.1.2.2 3 to 6 Months fixed A/c 3.77 0.11 0.03 4.44 0.05 1.1.2.3 6 Months to 1 Year Fixed A/c 9.13 21.27 8.35 4.14 144.92 2.46 73.75 1.1.2.4 Above 1 Year 9.84 15.15 22.63 6.64 11.46 1.47 29.53 3.94 33.99 1.1.3 Call Deposit 14.57 18.22 12.34 10.89 8.74 42.11 43.83 21.31 1.1.4 Certificate of Deposits 1.2 Others 0.06 34.73 0.24 3.92 0.07 5.10 3.08 2 Commission/Fee Expense 3 Employees Expenses 8.29 8.16 13.99 14.79 6.60 10.88 37.63 7.39 22.25 4 Office Operatiing Expenses 7.37 15.35 14.40 10.19 8.26 5.81 44.33 11.22 37.59 5 Exchange Fluctuation Loss 4.62 5.1 Due to Change in Exchange Rates 4.62 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 12.42 7. Provision for Risk 2.66 6.56 207.93 18.97 4.88 16.71 2.39 433.97 7.1 Loan loss Provision 2.66 6.56 207.93 18.97 4.88 16.71 2.39 ‐8.13 7.1.1 General Loan loss Provision 2.66 0.60 0.08 13.14 0.20 16.71 2.39 ‐81.64 7.1.2 Special Loan Loss Provision 5.96 207.86 5.83 4.68 73.51 7.1.3 Additional Loan Loss Provision 7.2. Provision for Non‐Banking Assets 437.02 7.3. Provision for Loss on Investment 5.08 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus 3.05 8.46 10 Provision for Income Tax 9.15 25.50 11 Others 1.90 157.69 12 Net Profit 19.73 21.34 3.46 26.20 59.14 15.67 TOTAL EXPENSES 51.46 134.51 336.81 182.62 74.23 88.71 562.23 103.82 833.73

Income 1. Interest Income 39.28 125.30 121.77 172.77 70.60 80.33 539.15 99.62 211.90 1.1. On Loans and Advance 33.06 115.06 94.01 143.35 61.83 73.52 468.82 53.54 205.72 1.2. On Investment 1.13 0.02 30.03 1.2.1 Government Bonds 0.02 30.03 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 10.25 27.75 26.66 8.77 6.69 30.79 46.08 6.14 1.5 Others 1.63 0.09 9.52 0.04 2. Comission & Discount 5.48 9.21 41.98 0.78 0.47 8.39 5.14 4.20 0.20 2.1 Bills Purchase & Discount 0.12 2.2 Comission 1.20 1.33 1.27 0.78 0.47 2.11 5.14 0.77 0.20 2.3 Others 4.28 7.88 40.60 6.28 3.43 3 Income From Exchange Fluctuation 2.25 0.23 3.1 Due to Change in Exchange Rate 0.22 3.2 Due to Foreign Currency Trans. 2.25 0.01 4 Other Operating Income 9.06 3.14 15.68 1.90 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 6.70 157.29 619.51 TOTAL INCOME 51.46 134.51 336.81 182.62 74.23 88.71 562.23 103.82 833.73

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

Expenses re Excel NDEP H & B WDBL Araniko Gandaki Business Biratlaxmi Infrastructu 1 Interest Expenses 89.51 83.85 82.49 91.68 83.69 22.75 346.56 17.17 212.48 1.1 Deposit Liabilities 73.09 83.85 82.46 91.68 83.69 22.75 345.37 17.17 206.44 1.1.1 Saving A/c 31.49 20.21 34.07 43.75 64.98 17.74 131.47 9.55 60.06 1.1.2 Fixed A/c 25.55 45.15 26.52 32.36 18.71 5.01 175.19 7.62 72.23 1.1.2.1 Upto 3 Months Fixed A/c 0.02 18.74 0.76 0.62 47.59 1.1.2.2 3 to 6 Months fixed A/c 0.68 2.97 1.02 0.88 1.09 0.81 10.68 1.1.2.3 6 Months to 1 Year Fixed A/c 14.56 20.29 15.47 13.11 8.01 1.12 73.98 1.1.2.4 Above 1 Year 10.30 3.15 9.27 18.37 8.99 3.07 42.95 7.62 72.23 1.1.3 Call Deposit 16.04 18.49 21.87 15.56 38.70 74.14 1.1.4 Certificate of Deposits 1.2 Others 16.43 0.03 1.20 6.05 2 Commission/Fee Expense 0.01 3 Employees Expenses 9.96 10.51 6.46 15.59 7.22 3.84 38.99 4.30 20.72 4 Office Operatiing Expenses 9.83 18.52 8.01 7.87 8.63 2.03 39.28 2.42 35.43 5 Exchange Fluctuation Loss 0.00 0.01 5.1 Due to Change in Exchange Rates 0.00 0.01 5.2 Due to Foreign Currency Transactions 0.00 6 Non‐Operatiing Expenses 0.90 23.05 3.82 7. Provision for Risk 4.33 4.08 0.89 0.20 3.23 41.06 12.51 65.59 7.1 Loan loss Provision 4.33 4.08 0.89 0.20 3.23 41.06 12.51 65.59 7.1.1 General Loan loss Provision 0.75 0.20 0.11 3.23 0.04 0.20 65.59 7.1.2 Special Loan Loss Provision 3.57 3.88 0.89 0.09 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 5.90 2.43 10 Provision for Income Tax 9.25 17.69 7.30 11 Others 12 Net Profit 29.00 19.99 41.27 20.27 17.03 9.44 25.81 10.46 ‐78.29 TOTAL EXPENSES 143.53 149.12 162.70 158.66 129.53 41.88 491.70 46.86 255.94

Income 1. Interest Income 135.53 136.97 155.10 144.93 120.16 31.01 467.04 26.62 244.75 1.1. On Loans and Advance 103.05 115.84 127.81 115.81 87.28 31.01 432.14 26.62 221.72 1.2. On Investment 1.08 2.70 2.95 1.2.1 Government Bonds 2.70 2.95 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 1.2.4 Deventure & Bonds 1.08 1.3 Agency Balance 32.88 14.74 1.4 On Call Deposit 16.05 20.95 22.00 28.04 27.43 3.98 1.5 Others 16.43 0.18 5.29 4.77 1.36 2. Comission & Discount 0.51 1.06 0.08 12.49 1.04 2.45 3.27 0.36 5.91 2.1 Bills Purchase & Discount 0.32 2.2 Comission 0.51 1.06 0.08 0.19 2.45 3.27 0.36 5.58 2.3 Others 12.49 0.86 3 Income From Exchange Fluctuation 0.06 0.17 0.00 0.01 0.49 3.1 Due to Change in Exchange Rate 0.06 0.17 0.01 0.27 3.2 Due to Foreign Currency Trans. 0.00 0.00 0.21 4 Other Operating Income 7.40 5.34 5.35 4.92 16.90 13.03 4.79 5 Non Operating Income 0.24 8.42 0.24 6 Provision Written Back 0.03 5.33 2.17 1.23 3.40 4.26 6.84 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss TOTAL INCOME 143.53 149.12 162.70 158.66 129.53 41.88 491.70 46.86 255.94

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

Expenses Sewa Tinau Rising Public Miteri CEDBL Kankai Mahakali Muktinath 1 Interest Expenses 216.40 31.56 50.33 37.56 101.60 73.61 15.26 27.34 8.23 1.1 Deposit Liabilities 187.25 26.81 49.90 37.31 88.08 73.59 15.26 27.21 8.23 1.1.1 Saving A/c 51.98 24.22 11.22 22.12 51.78 37.37 8.94 9.73 6.55 1.1.2 Fixed A/c 89.69 0.18 28.27 15.20 25.77 17.62 1.94 16.14 1.68 1.1.2.1 Upto 3 Months Fixed A/c 8.49 0.00 0.11 0.16 0.00 1.1.2.2 3 to 6 Months fixed A/c 8.20 0.00 0.07 0.19 4.20 0.02 0.14 4.02 1.1.2.3 6 Months to 1 Year Fixed A/c 60.92 0.03 14.51 11.50 13.03 7.93 1.44 7.80 1.25 1.1.2.4 Above 1 Year 12.08 0.16 13.57 3.51 8.54 9.51 0.36 4.33 0.43 1.1.3 Call Deposit 45.58 2.40 10.41 10.52 18.60 4.38 1.34 1.1.4 Certificate of Deposits 1.2 Others 29.16 4.75 0.43 0.25 13.53 0.02 0.13 2 Commission/Fee Expense 1.28 3 Employees Expenses 27.62 4.17 4.55 7.48 23.85 10.28 3.64 8.22 2.65 4 Office Operatiing Expenses 29.26 4.14 4.38 9.47 19.22 8.81 4.11 7.79 2.08 5 Exchange Fluctuation Loss 7.03 5.1 Due to Change in Exchange Rates 7.03 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 7. Provision for Risk 51.79 1.57 6.38 3.82 5.55 2.57 24.67 1.61 7.1 Loan loss Provision 34.13 1.57 6.38 3.82 5.55 2.57 24.67 1.61 7.1.1 General Loan loss Provision 0.00 0.84 ‐0.07 2.71 2.03 2.57 24.67 1.61 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 17.66 7.4. Provision for Loss of Other Assets 8 Loan Written Off 0.04 9 Provision for Staff Bonus 2.77 0.73 4.48 1.86 0.22 10 Provision for Income Tax 8.30 2.19 13.45 5.59 0.65 11 Others 12 Net Profit 19.37 14.55 5.10 5.68 31.39 13.05 0.79 1.52 TOTAL EXPENSES 363.83 55.99 67.29 66.57 197.82 118.74 26.36 68.06 16.94

Income 1. Interest Income 338.20 50.49 62.19 62.00 178.25 106.75 24.63 42.98 15.82 1.1. On Loans and Advance 271.89 38.15 43.26 50.71 154.20 90.32 22.79 41.14 11.53 1.2. On Investment 10.25 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 10.25 0.43 1.3 Agency Balance 1.4 On Call Deposit 42.01 7.58 18.49 7.37 24.06 16.01 1.84 1.73 1.5 Others 14.05 4.75 0.43 3.92 4.17 2. Comission & Discount 22.09 0.79 0.27 0.72 3.09 2.04 1.74 0.65 1.12 2.1 Bills Purchase & Discount 0.02 2.2 Comission 2.72 0.79 0.27 0.62 3.09 2.04 0.36 0.65 1.08 2.3 Others 19.35 0.10 1.38 0.00 0.05 3 Income From Exchange Fluctuation 1.26 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans. 1.26 4 Other Operating Income 4.72 4.82 3.86 16.03 9.95 1.31 5 Non Operating Income 6 Provision Written Back 2.28 0.45 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 0.55 9 Net Loss 22.58 TOTAL INCOME 363.83 55.99 67.29 66.57 197.82 118.74 26.36 68.06 16.94

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

Expenses Ace Rara Nilgiri diyalo Alpine Country Bhargav Resunga Shangrila 1 Interest Expenses 246.27 8.96 93.80 33.06 15.86 24.09 72.73 21.43 16.29 1.1 Deposit Liabilities 243.53 8.96 93.80 33.06 15.86 23.45 71.82 21.43 16.29 1.1.1 Saving A/c 118.51 4.79 48.68 29.75 12.90 4.83 7.94 13.25 8.65 1.1.2 Fixed A/c 109.45 2.82 36.19 3.31 2.96 9.87 30.11 6.30 3.85 1.1.2.1 Upto 3 Months Fixed A/c 1.18 0.17 0.11 0.02 0.38 2.22 0.03 0.08 1.1.2.2 3 to 6 Months fixed A/c 0.01 0.69 0.61 0.08 0.07 0.77 0.10 0.44 1.1.2.3 6 Months to 1 Year Fixed A/c 91.46 1.32 26.32 0.46 1.52 7.35 25.34 3.67 1.57 1.1.2.4 Above 1 Year 16.80 0.64 9.14 2.84 1.34 2.07 1.77 2.51 1.76 1.1.3 Call Deposit 15.58 1.35 8.93 8.75 33.77 1.88 3.79 1.1.4 Certificate of Deposits 1.2 Others 2.74 0.64 0.91 2 Commission/Fee Expense 0.20 3 Employees Expenses 26.09 2.67 12.59 4.55 2.54 2.54 4.15 4.43 2.09 4 Office Operatiing Expenses 36.15 3.25 13.68 3.18 4.31 3.66 7.00 5.22 4.38 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 1.00 0.51 0.03 4.61 1.70 1.24 7.1 Loan loss Provision 25.53 0.41 9.48 1.00 0.51 0.03 4.12 1.70 1.24 7.1.1 General Loan loss Provision 3.78 0.41 1.56 0.51 0.03 0.43 0.28 0.57 7.1.2 Special Loan Loss Provision 21.74 7.92 3.69 1.43 0.67 7.1.3 Additional Loan Loss Provision 1.00 7.2. Provision for Non‐Banking Assets 7.3. Provision for Loss on Investment 7.4. Provision for Loss of Other Assets 0.49 8 Loan Written Off 9 Provision for Staff Bonus 0.63 0.10 3.20 0.16 1.09 0.75 10 Provision for Income Tax 1.90 0.30 9.60 0.49 3.28 2.26 11 Others 1.43 12 Net Profit 4.44 0.70 22.39 14.87 11.66 6.95 7.64 5.27 5.82 TOTAL EXPENSES 341.01 16.39 164.73 56.66 34.89 37.92 102.12 41.06 29.82

Income 1. Interest Income 318.05 11.57 154.97 51.55 33.20 35.86 96.79 36.74 27.16 1.1. On Loans and Advance 277.87 11.43 136.94 34.23 23.47 27.35 77.76 33.16 21.96 1.2. On Investment 2.77 0.14 0.44 0.76 1.2.1 Government Bonds 2.77 0.44 0.76 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 30.57 18.03 17.31 9.73 17.90 3.58 5.20 1.5 Others 6.86 8.07 0.37 2. Comission & Discount 0.62 4.23 9.75 5.11 1.70 0.04 0.54 4.11 0.67 2.1 Bills Purchase & Discount 2.2 Comission 0.62 1.29 1.59 2.83 1.58 0.04 0.26 0.74 0.67 2.3 Others 2.95 8.15 2.28 0.11 0.28 3.37 3 Income From Exchange Fluctuation 0.99 0.01 0.08 3.1 Due to Change in Exchange Rate 0.08 0.01 3.2 Due to Foreign Currency Trans. 0.91 0.08 4 Other Operating Income 18.24 1.49 4.08 1.90 5 Non Operating Income 3.11 6 Provision Written Back 0.53 0.70 0.21 7 Recovery from Written off Loan 0.59 8 Income from Extra Ordinary Expenses 0.02 9 Net Loss TOTAL INCOME 341.01 16.39 164.73 56.66 34.89 37.92 102.12 41.06 29.82

40 Profit and Loss Account upto Poush 2068 Rs. in million l

Expenses dap City Kabeli Bishow Garima Kamana Corporate Pathibhara Kasthaman Professiona 1 Interest Expenses 177.50 76.56 94.38 95.81 8.71 8.50 62.67 57.20 34.74 1.1 Deposit Liabilities 175.43 76.56 94.37 95.53 8.71 8.50 51.26 57.20 34.74 1.1.1 Saving A/c 73.72 41.61 45.70 26.05 6.48 6.00 27.62 23.33 18.71 1.1.2 Fixed A/c 58.82 24.66 33.11 47.65 1.17 2.03 19.29 33.85 4.91 1.1.2.1 Upto 3 Months Fixed A/c 3.92 2.46 2.28 0.02 0.35 1.1.2.2 3 to 6 Months fixed A/c 3.08 3.08 1.87 1.81 0.20 0.20 0.95 0.08 1.1.2.3 6 Months to 1 Year Fixed A/c 43.60 14.27 20.00 39.15 0.59 0.87 7.40 30.79 2.70 1.1.2.4 Above 1 Year 8.22 7.31 8.77 4.42 0.38 0.94 10.58 3.05 2.13 1.1.3 Call Deposit 42.89 10.30 15.55 21.84 1.06 0.47 4.35 0.02 11.12 1.1.4 Certificate of Deposits 1.2 Others 2.07 0.02 0.28 11.41 2 Commission/Fee Expense 0.02 3 Employees Expenses 19.70 10.78 7.55 9.45 2.71 2.87 6.48 4.15 7.00 4 Office Operatiing Expenses 30.36 12.25 12.41 12.55 2.61 1.37 7.51 4.18 8.53 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 1.16 7. Provision for Risk 11.44 2.63 10.15 2.29 0.54 0.90 1.63 11.23 7.03 7.1 Loan loss Provision 11.44 2.63 3.90 2.29 0.44 0.90 1.63 11.23 7.03 7.1.1 General Loan loss Provision ‐1.31 2.63 1.76 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 0.68 3.14 2.28 3.39 0.48 0.08 2.23 0.81 0.28 10 Provision for Income Tax 2.05 9.42 6.83 10.18 1.45 0.24 6.69 2.42 0.85 11 Others 12 Net Profit 4.78 21.98 15.95 23.75 3.39 0.55 15.60 5.65 1.97 TOTAL EXPENSES 246.54 136.75 149.55 157.42 19.90 15.67 102.81 85.64 60.40

Income 1. Interest Income 238.14 122.12 140.71 147.19 18.86 14.21 97.21 79.75 55.59 1.1. On Loans and Advance 189.86 101.57 118.18 128.11 12.18 12.22 80.81 69.75 45.35 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 20.55 19.05 19.08 6.67 1.99 16.40 10.25 1.5 Others 42.62 3.42 0.01 10.00 2. Comission & Discount 3.02 1.27 8.83 10.10 0.05 0.64 1.16 0.46 0.81 2.1 Bills Purchase & Discount 0.13 2.2 Comission 2.97 1.27 8.83 0.69 0.05 0.64 1.16 0.16 0.81 2.3 Others 0.05 9.42 0.17 3 Income From Exchange Fluctuation 0.35 0.01 3.1 Due to Change in Exchange Rate 0.17 0.00 3.2 Due to Foreign Currency Trans. 0.18 0.01 4 Other Operating Income 5.04 13.36 0.99 0.82 4.44 5.43 3.67 5 Non Operating Income 0.13 0.33 6 Provision Written Back 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss TOTAL INCOME 246.54 136.75 149.55 157.42 19.90 15.67 102.81 85.64 60.40

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

Expenses Jyoti Civic IDBL Shine Kakre Pacific Hamro Bagmati Purnima

1 Interest Expenses 31.06 137.46 4.62 9.35 7.30 71.17 15.17 3.87 196.87 1.1 Deposit Liabilities 31.06 137.36 4.62 9.35 7.30 71.17 15.17 3.87 192.60 1.1.1 Saving A/c 15.38 50.23 2.80 4.47 5.53 34.14 7.80 3.29 57.89 1.1.2 Fixed A/c 10.73 60.97 0.85 2.93 1.77 23.19 2.42 0.57 75.30 1.1.2.1 Upto 3 Months Fixed A/c 0.01 0.03 1.95 1.1.2.2 3 to 6 Months fixed A/c 0.05 0.02 0.02 0.00 0.24 0.13 4.52 1.1.2.3 6 Months to 1 Year Fixed A/c 8.93 0.11 0.40 2.32 0.85 18.74 1.21 0.31 54.55 1.1.2.4 Above 1 Year 1.74 60.84 0.45 0.55 0.92 4.21 1.08 0.26 14.28 1.1.3 Call Deposit 4.96 26.15 0.97 1.95 13.84 4.95 59.42 1.1.4 Certificate of Deposits 1.2 Others 0.10 4.27 2 Commission/Fee Expense 3 Employees Expenses 4.68 18.50 1.68 2.35 1.16 6.64 2.14 1.74 23.68 4 Office Operatiing Expenses 6.86 30.06 0.99 2.65 2.27 7.04 3.17 2.60 37.93 5 Exchange Fluctuation Loss 0.07 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 0.07 6 Non‐Operatiing Expenses 7. Provision for Risk 2.61 18.20 0.28 0.32 5.58 1.82 0.49 124.96 7.1 Loan loss Provision 2.61 18.19 0.28 0.32 4.60 1.82 0.49 123.98 7.1.1 General Loan loss Provision 0.95 0.62 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 7.4. Provision for Loss of Other Assets 0.01 0.98 8 Loan Written Off 9 Provision for Staff Bonus 3.52 0.34 3.07 10 Provision for Income Tax 10.55 0.74 9.20 1.30 11 Others 12 Net Profit 3.45 24.61 1.64 2.69 2.03 21.46 3.82 TOTAL EXPENSES 48.67 242.90 9.22 18.45 12.76 124.16 27.41 8.70 383.51

Income 1. Interest Income 44.81 229.31 8.45 16.97 11.46 115.20 21.43 6.76 244.47 1.1. On Loans and Advance 33.75 201.05 7.14 14.64 10.26 90.70 21.43 5.12 218.65 1.2. On Investment 2.49 0.05 0.39 1.2.1 Government Bonds 2.49 0.05 0.39 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 1.2.4 Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 11.06 22.94 1.31 2.28 24.12 1.64 23.66 1.5 Others 2.83 1.20 2.16 2. Comission & Discount 0.59 9.69 0.09 0.58 0.19 8.95 0.53 4.17 2.1 Bills Purchase & Discount 2.32 2.2 Comission 0.59 9.69 0.09 0.11 0.16 1.49 0.53 1.84 2.3 Others 0.47 0.03 7.47 3 Income From Exchange Fluctuation 0.01 3.1 Due to Change in Exchange Rate 0.01 3.2 Due to Foreign Currency Trans. 0.00 4 Other Operating Income 3.26 3.88 0.66 0.89 1.84 1.15 5.79 5 Non Operating Income 1.11 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 0.79 117.45 TOTAL INCOME 48.67 242.90 9.22 18.45 12.76 124.16 27.41 8.70 383.51

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

Expenses i Vibor Gulmi Bright Metro Jhimruk Kanchan Gaumukhi Innovative Matribhum 1 Interest Expenses 10.53 21.26 7.18 18.14 22.63 6.10 29.92 190.32 3.29 1.1 Deposit Liabilities 10.53 21.26 7.18 18.07 22.63 6.10 29.92 152.22 3.29 1.1.1 Saving A/c 9.44 18.20 3.31 4.11 7.80 3.53 12.06 29.51 3.16 1.1.2 Fixed A/c 1.09 3.06 2.08 3.58 6.52 1.03 10.92 85.98 0.13 1.1.2.1 Upto 3 Months Fixed A/c 0.19 0.05 0.00 0.00 0.01 0.07 1.16 1.1.2.2 3 to 6 Months fixed A/c 0.39 0.05 0.00 0.00 0.02 0.58 0.02 1.1.2.3 6 Months to 1 Year Fixed A/c 0.49 1.48 0.83 1.78 5.13 0.22 7.30 15.07 0.03 1.1.2.4 Above 1 Year 0.61 1.00 1.15 1.79 1.38 0.78 2.97 69.73 0.10 1.1.3 Call Deposit 1.78 10.38 8.31 1.54 6.95 36.73 1.1.4 Certificate of Deposits 1.2 Others 0.07 38.10 2 Commission/Fee Expense 0.10 0.04 3 Employees Expenses 1.72 4.24 1.98 2.84 3.53 1.53 2.44 19.54 1.33 4 Office Operatiing Expenses 1.98 5.21 3.53 6.42 1.87 4.81 30.99 0.62 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 1.58 7. Provision for Risk 0.34 1.80 0.71 1.09 0.53 0.79 1.06 62.50 0.48 7.1 Loan loss Provision 0.34 1.80 0.71 1.09 0.53 0.69 1.06 45.15 0.48 7.1.1 General Loan loss Provision 0.34 1.80 0.07 0.33 0.53 0.50 1.06 0.05 0.38 7.1.2 Special Loan Loss Provision 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 0.39 0.67 10 Provision for Income Tax 1.18 2.02 11 Others 12 Net Profit 2.60 7.05 0.52 2.74 1.99 0.95 4.72 0.83 TOTAL EXPENSES 17.17 39.55 11.97 29.91 35.11 11.33 45.65 303.35 6.57

Income 1. Interest Income 15.88 36.02 10.73 27.98 32.01 9.77 42.40 180.85 4.80 1.1. On Loans and Advance 9.66 25.19 8.37 24.77 24.40 9.09 36.84 134.80 4.56 1.2. On Investment 4.31 1.2.1 Government Bonds 3.42 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 0.90 1.2.4 Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 6.22 5.82 2.36 3.08 7.61 0.68 5.55 2.58 0.24 1.5 Others 5.02 0.13 39.16 2. Comission & Discount 0.15 3.53 1.24 0.07 0.57 1.36 0.24 0.02 1.75 2.1 Bills Purchase & Discount 2.2 Comission 2.95 0.39 0.07 0.29 1.26 0.02 1.27 2.3 Others 0.15 0.58 0.85 0.28 0.10 0.24 0.48 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans. 4 Other Operating Income 1.14 1.86 2.53 3.01 37.49 0.02 5 Non Operating Income 0.38 6 Provision Written Back 0.20 62.50 0.01 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss 22.11 TOTAL INCOME 17.17 39.55 11.97 29.91 35.11 11.33 45.65 303.35 6.57

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

Expenses Surya Sahara Sindhu Mission Tourism Raptiveri Khadbari Consumer Mt. Makalu Mt. 1 Interest Expenses 6.89 21.02 2.05 63.83 22.72 2.62 1.12 18.87 3.22 1.1 Deposit Liabilities 6.89 19.77 2.05 63.45 22.65 2.62 1.12 18.72 3.22 1.1.1 Saving A/c 4.20 6.49 1.63 17.06 10.10 0.95 0.87 14.79 1.78 1.1.2 Fixed A/c 2.37 8.98 0.39 26.68 5.16 1.15 0.17 3.92 0.11 1.1.2.1 Upto 3 Months Fixed A/c 0.01 2.85 0.13 0.00 1.1.2.2 3 to 6 Months fixed A/c 2.72 0.16 0.00 0.05 1.1.2.3 6 Months to 1 Year Fixed A/c 0.03 2.83 0.09 20.34 4.26 0.62 0.08 3.13 1.1.2.4 Above 1 Year 2.34 6.15 0.29 0.77 0.62 0.53 0.09 0.74 0.11 1.1.3 Call Deposit 0.33 4.31 0.03 19.69 7.39 0.52 0.08 1.33 1.1.4 Certificate of Deposits 0.02 1.2 Others 1.25 0.38 0.07 0.15 2 Commission/Fee Expense 3 Employees Expenses 2.50 3.83 1.23 10.99 5.01 1.51 0.50 3.64 1.01 4 Office Operatiing Expenses 1.56 4.10 0.86 18.20 5.66 0.79 0.43 3.80 1.23 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 0.04 7. Provision for Risk 2.59 0.15 0.22 4.88 1.17 0.10 0.12 1.20 0.35 7.1 Loan loss Provision 2.59 0.15 0.22 4.88 1.17 0.10 0.12 1.20 0.35 7.1.1 General Loan loss Provision 0.56 0.15 0.22 2.53 1.17 0.10 0.11 1.20 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 0.97 2.38 10 Provision for Income Tax 2.90 7.13 11 Others 12 Net Profit 2.83 6.77 0.90 16.63 1.43 1.19 0.28 TOTAL EXPENSES 16.38 39.75 5.26 124.02 35.98 5.02 3.40 27.51 6.08

Income 1. Interest Income 12.89 38.13 4.37 107.67 32.63 3.96 3.15 23.96 4.58 1.1. On Loans and Advance 12.03 32.20 4.33 91.59 25.90 3.62 2.81 18.34 3.58 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 0.86 5.93 0.04 13.26 6.73 0.34 0.34 5.33 1.00 1.5 Others 1.92 0.29 2. Comission & Discount 1.65 0.07 0.88 2.95 0.27 0.81 0.24 0.26 2.1 Bills Purchase & Discount 0.06 2.2 Comission 1.65 0.07 0.88 2.88 0.27 0.81 0.24 0.26 2.3 Others 0.00 3 Income From Exchange Fluctuation 6.02 3.1 Due to Change in Exchange Rate 0.05 3.2 Due to Foreign Currency Trans. 5.96 4 Other Operating Income 1.54 6.64 3.08 0.01 3.15 1.50 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 0.25 0.15 TOTAL INCOME 16.38 39.75 5.26 124.02 35.98 5.02 3.40 27.51 6.08

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

Expenses hi Ekata Social Nepal Nepal Nepal Aawas NCDBL Cosmos Finance Manaslu Samabridd Kalinchowk 1 Interest Expenses 27.11 14.60 2.91 6.23 2.77 0.75 0.19 24.90 38.50 1.1 Deposit Liabilities 26.71 14.60 2.91 6.23 2.77 0.75 0.19 24.90 37.33 1.1.1 Saving A/c 2.06 3.17 2.72 3.69 1.43 0.59 0.10 3.70 5.34 1.1.2 Fixed A/c 7.73 3.60 0.19 0.48 0.33 0.08 0.02 21.20 32.00 1.1.2.1 Upto 3 Months Fixed A/c 0.05 0.05 0.00 0.91 1.1.2.2 3 to 6 Months fixed A/c 0.03 0.00 0.01 0.00 0.48 1.1.2.3 6 Months to 1 Year Fixed A/c 6.99 3.11 0.00 0.14 0.21 0.07 11.00 24.61 1.1.2.4 Above 1 Year 0.75 0.41 0.19 0.34 0.05 0.00 0.02 10.20 6.00 1.1.3 Call Deposit 16.92 7.84 2.05 1.02 0.08 0.07 1.1.4 Certificate of Deposits 1.2 Others 0.40 1.16 2 Commission/Fee Expense 0.04 3 Employees Expenses 7.43 3.11 1.45 3.25 2.17 1.00 1.16 4.00 3.71 4 Office Operatiing Expenses 5.35 5.19 2.72 4.07 2.32 1.10 0.35 2.90 5.30 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 4.48 0.88 0.16 0.19 7. Provision for Risk 0.63 0.07 0.56 0.32 0.65 0.06 8.40 10.29 7.1 Loan loss Provision 0.63 0.07 0.56 0.32 0.65 0.06 8.40 7.1.1 General Loan loss Provision 0.63 0.07 0.56 0.32 0.65 0.06 ‐0.20 7.1.2 Special Loan Loss Provision 8.60 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 0.02 10 Provision for Income Tax 0.04 11 Others 2.20 12 Net Profit 0.72 0.10 TOTAL EXPENSES 44.37 23.53 7.15 14.11 9.18 3.82 1.94 40.20 60.04

Income 1. Interest Income 37.76 20.20 4.35 11.35 8.32 2.65 1.58 34.10 43.96 1.1. On Loans and Advance 28.03 14.51 3.59 9.26 6.75 0.79 0.02 24.20 39.11 1.2. On Investment 0.41 0.95 1.2.1 Government Bonds 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 0.41 0.85 1.2.4 Deventure & Bonds 0.11 1.3 Agency Balance 1.4 On Call Deposit 6.54 5.70 0.77 2.09 1.86 1.57 3.90 1.5 Others 2.78 1.58 9.90 2. Comission & Discount 0.17 0.15 0.53 0.20 0.00 0.02 2.1 Bills Purchase & Discount 2.2 Comission 0.17 0.07 0.14 0.02 0.00 0.02 2.3 Others 0.08 0.39 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 1.35 1.52 1.33 0.66 1.16 0.13 0.70 1.49 5 Non Operating Income 0.16 0.01 0.35 6 Provision Written Back 0.48 1.74 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss 4.46 1.65 2.26 1.43 0.23 5.40 12.49 TOTAL INCOME 44.37 23.53 7.15 14.11 9.18 3.82 1.94 40.20 60.04

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

Expenses e AFCL NIDC Union Capital NSMFL Peoples Peoples National Narayani Himalaya Merchantil Kathmandu 1 Interest Expenses 82.10 139.34 201.92 174.77 32.11 1.92 24.75 30.40 62.02 1.1 Deposit Liabilities 80.34 139.34 200.94 141.79 32.11 1.92 24.75 24.35 60.52 1.1.1 Saving A/c 19.33 27.88 59.81 55.34 7.64 0.00 4.32 0.87 8.02 1.1.2 Fixed A/c 52.33 111.46 111.81 75.67 24.47 1.92 20.43 23.48 50.19 1.1.2.1 Upto 3 Months Fixed A/c 4.40 0.23 0.28 0.03 3.05 20.43 1.28 1.1.2.2 3 to 6 Months fixed A/c 4.87 1.16 1.67 0.82 0.11 1.02 1.75 0.01 1.1.2.3 6 Months to 1 Year Fixed A/c 19.46 61.86 64.54 38.52 15.64 0.09 5.37 34.18 1.1.2.4 Above 1 Year 23.59 48.22 45.32 36.29 5.67 0.81 16.37 14.73 1.1.3 Call Deposit 8.68 29.32 10.78 2.30 1.1.4 Certificate of Deposits 1.2 Others 1.76 0.98 32.98 6.05 1.50 2 Commission/Fee Expense 0.27 3 Employees Expenses 5.93 12.12 23.20 15.01 3.02 0.65 3.15 4.31 7.08 4 Office Operatiing Expenses 7.32 13.30 26.80 14.62 5.57 0.37 3.36 2.26 8.16 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 1.89 14.27 0.17 7. Provision for Risk 0.01 47.09 15.44 22.07 1.38 11.41 0.33 12.13 7.1 Loan loss Provision 47.09 15.44 22.07 1.38 9.95 0.33 12.13 7.1.1 General Loan loss Provision 6.37 12.56 0.33 7.1.2 Special Loan Loss Provision 40.72 2.87 22.07 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 1.81 6.67 10 Provision for Income Tax 5.43 19.51 0.11 11 Others 0.80 12 Net Profit 18.23 12.66 47.19 61.64 3.53 0.87 TOTAL EXPENSES 115.49 231.76 340.72 241.54 103.72 6.47 42.77 37.58 90.43

Income 1. Interest Income 88.60 220.87 322.26 87.68 19.60 5.50 38.71 29.91 79.02 1.1. On Loans and Advance 53.35 204.87 277.83 86.41 16.29 5.10 31.26 29.86 74.69 1.2. On Investment 1.95 3.56 4.81 0.14 0.35 0.46 1.2.1 Government Bonds 1.95 3.56 4.81 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 31.07 12.44 25.95 1.27 1.74 0.25 7.02 2.43 1.5 Others 2.23 13.67 1.58 0.08 0.05 1.45 2. Comission & Discount 0.67 0.76 0.92 0.16 0.15 0.04 0.06 0.05 2.1 Bills Purchase & Discount 2.2 Comission 0.67 0.76 0.92 0.15 0.04 0.06 0.05 2.3 Others 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 3.55 7.78 14.08 0.41 0.01 1.61 1.11 5.71 5 Non Operating Income 4.05 1.20 9.65 0.20 6 Provision Written Back 18.62 1.12 3.47 7.26 83.60 0.81 0.07 5.25 7 Recovery from Written off Loan 0.04 0.52 0.06 0.40 8 Income from Extra Ordinary Expenses 9 Net Loss 136.39 2.10 6.49 TOTAL INCOME 115.49 231.76 340.72 241.54 103.72 6.47 42.77 37.58 90.43

46 Profit and Loss Account upto Poush 2068 Rs. in million FC Sri Sri Expenses hal Gorkha NHMFL Lumbini Goodwill Universal Samjhana Siddhartha Siddhartha Investment Paschimanc 1 Interest Expenses 18.43 80.51 92.98 71.40 81.21 61.69 65.63 78.74 1.1 Deposit Liabilities 18.43 80.51 92.98 71.40 64.95 58.89 65.63 78.74 1.1.1 Saving A/c 1.86 25.03 15.18 17.72 24.35 18.86 12.11 15.43 1.1.2 Fixed A/c 16.57 55.49 77.81 53.51 40.59 40.04 53.52 63.31 1.1.2.1 Upto 3 Months Fixed A/c 0.04 5.03 1.19 1.19 0.11 4.24 1.1.2.2 3 to 6 Months fixed A/c 0.02 0.26 0.90 1.52 0.84 0.32 3.13 1.1.2.3 6 Months to 1 Year Fixed A/c 13.00 20.15 23.71 22.63 16.89 42.86 38.61 1.1.2.4 Above 1 Year 3.56 35.03 48.17 28.17 21.67 40.04 10.23 17.33 1.1.3 Call Deposit 0.17 1.1.4 Certificate of Deposits 1.2 Others 16.26 2.79 2 Commission/Fee Expense 3 Employees Expenses 2.55 9.57 6.65 3.66 8.86 5.92 5.15 5.95 4 Office Operatiing Expenses 2.44 8.56 4.98 3.96 15.48 3.71 7.03 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 7. Provision for Risk 8.23 9.59 8.68 1.29 5.49 7.55 2.44 0.44 7.1 Loan loss Provision 8.23 9.59 1.29 5.49 6.83 2.44 0.44 7.1.1 General Loan loss Provision ‐0.54 5.49 0.32 0.44 7.1.2 Special Loan Loss Provision 8.77 9.59 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 8.68 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus 1.43 0.78 0.85 1.99 2.14 10 Provision for Income Tax 4.29 2.35 2.20 5.98 6.42 11 Others 0.03 12 Net Profit 10.01 1.49 5.49 6.29 10.67 13.94 14.99 TOTAL EXPENSES 31.65 124.00 114.77 88.93 120.38 89.53 102.16 112.74

Income 1. Interest Income 21.73 114.06 112.57 86.67 109.07 77.77 93.79 108.79 1.1. On Loans and Advance 20.28 100.88 108.03 77.59 104.62 63.36 87.38 105.63 1.2. On Investment 0.16 0.68 1.80 7.36 4.45 1.81 1.2.1 Government Bonds 0.16 0.68 1.80 7.36 4.45 1.81 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 1.29 12.51 2.74 10.41 3.15 1.5 Others 1.72 4.00 2. Comission & Discount 1.51 8.78 0.05 0.30 11.31 6.47 0.23 2.1 Bills Purchase & Discount 0.00 2.2 Comission 0.01 0.13 0.05 0.04 0.22 0.19 2.3 Others 1.50 8.65 0.25 11.31 6.25 0.04 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 1.55 0.01 8.28 3.72 5 Non Operating Income 0.00 0.00 0.27 0.06 6 Provision Written Back 0.99 1.09 0.33 1.97 5.24 0.09 7 Recovery from Written off Loan 0.85 8 Income from Extra Ordinary Expenses 9 Net Loss 6.57 TOTAL INCOME 31.65 124.00 114.77 88.93 120.38 89.53 102.16 112.74

47 Profit and Loss Account upto Poush 2068 Rs. in million

Expenses Yeti ILFCO United Investa Lalitpur General Standard Mahalaxmi Bhajuratna 1 Interest Expenses 0.13 56.86 158.34 82.99 126.48 114.53 10.06 220.04 59.62 1.1 Deposit Liabilities 0.13 56.86 153.12 82.99 125.29 103.96 10.06 153.56 58.19 1.1.1 Saving A/c 18.27 46.35 11.10 44.95 33.13 1.56 43.50 14.71 1.1.2 Fixed A/c 0.13 38.58 92.71 69.90 80.23 70.83 8.50 110.06 43.47 1.1.2.1 Upto 3 Months Fixed A/c 0.54 6.07 3.52 1.78 4.08 1.1.2.2 3 to 6 Months fixed A/c 0.16 5.51 0.33 1.19 0.25 1.1.2.3 6 Months to 1 Year Fixed A/c 12.54 74.03 28.41 10.53 40.49 4.13 1.1.2.4 Above 1 Year 0.13 25.35 7.09 41.49 65.85 27.37 4.37 110.06 39.14 1.1.3 Call Deposit 14.06 1.99 1.1.4 Certificate of Deposits 0.11 1.2 Others 5.22 1.19 10.58 66.48 1.44 2 Commission/Fee Expense 3 Employees Expenses 0.53 5.42 17.79 17.64 10.61 4.87 2.09 19.35 4.68 4 Office Operatiing Expenses 0.96 4.67 21.22 21.55 9.70 5.34 2.63 16.23 5.18 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 0.69 1.53 6.47 1.55 0.49 0.27 10 Provision for Income Tax 2.06 4.58 19.42 4.66 1.48 0.80 11 Others 1.03 0.00 12 Net Profit 2.85 4.80 10.69 45.32 10.87 3.45 1.87 12.67 TOTAL EXPENSES 4.47 77.86 234.23 224.83 185.53 130.17 23.09 288.53 70.74

Income 1. Interest Income 2.54 73.71 224.52 219.42 177.29 117.11 18.59 280.45 51.16 1.1. On Loans and Advance 2.54 61.88 196.83 191.26 144.49 117.11 13.74 200.96 47.60 1.2. On Investment 1.14 1.40 5.34 1.80 0.18 2.63 1.2.1 Government Bonds 1.14 1.40 5.34 1.80 0.18 2.63 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 1.2.4 Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 10.69 19.93 15.70 0.63 10.36 3.56 1.5 Others 6.36 22.82 15.30 4.04 66.52 2. Comission & Discount 0.60 0.69 0.06 1.63 0.17 0.02 1.23 2.14 2.1 Bills Purchase & Discount 2.2 Comission 0.60 0.69 0.48 0.17 0.02 1.23 2.01 2.3 Others 0.06 1.15 0.13 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans. 4 Other Operating Income 1.93 2.29 1.56 5.35 4.81 2.58 0.14 6.84 5 Non Operating Income 0.73 0.18 0.18 0.09 6 Provision Written Back 0.34 7.28 1.63 10.30 4.24 8.41 7 Recovery from Written off Loan 0.20 8 Income from Extra Ordinary Expenses 9 Net Loss 9.04 TOTAL INCOME 4.47 77.86 234.23 224.83 185.53 130.17 23.09 288.53 70.74

48 Profit and Loss Account upto Poush 2068 Rs. in million

Expenses se Alpic Alpic Arun Janaki Central Everest Premier Pokhara Navadurga Multipurpo Progressive 1 Interest Expenses 15.38 45.72 54.12 43.80 74.40 127.78 72.34 9.94 4.49 1.1 Deposit Liabilities 12.83 42.72 54.12 43.80 74.40 111.54 67.76 9.69 4.49 1.1.1 Saving A/c 4.49 14.43 20.34 12.67 27.24 33.29 24.83 4.46 1.1.2 Fixed A/c 8.35 28.28 33.78 31.14 47.17 78.25 42.93 5.23 4.49 1.1.2.1 Upto 3 Months Fixed A/c 2.47 0.32 8.57 0.05 1.1.2.2 3 to 6 Months fixed A/c 1.83 0.01 0.42 2.11 0.97 1.1.2.3 6 Months to 1 Year Fixed A/c 1.88 12.29 27.85 4.48 26.48 2.95 1.1.2.4 Above 1 Year 6.47 11.70 33.78 31.14 19.31 73.04 5.77 1.26 4.49 1.1.3 Call Deposit 1.1.4 Certificate of Deposits 1.2 Others 2.54 3.00 16.24 4.58 0.25 2 Commission/Fee Expense 0.38 0.13 3 Employees Expenses 2.68 3.82 4.16 2.39 4.17 5.50 4.59 3.84 0.79 4 Office Operatiing Expenses 2.09 6.36 3.71 0.98 10.21 4.15 7.60 4.13 0.34 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 7. Provision for Risk 0.21 30.24 2.49 0.18 50.80 11.16 77.89 2.77 7.1 Loan loss Provision 0.21 8.42 2.49 0.18 50.80 11.16 77.89 2.77 7.1.1 General Loan loss Provision 8.42 0.37 0.18 11.16 ‐1.56 0.03 7.1.2 Special Loan Loss Provision 2.12 50.80 79.45 2.74 7.1.3 Additional Loan Loss Provision 0.21 7.2. Provision for Non‐Banking Assets 21.81 7.3. Provision for Loss on Investment 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus 0.26 0.77 0.53 10 Provision for Income Tax 0.77 2.31 1.44 11 Others 12 Net Profit 8.34 1.79 12.04 47.63 5.38 3.36 TOTAL EXPENSES 28.69 88.95 76.51 95.36 139.59 145.89 101.03 95.80 8.52

Income 1. Interest Income 23.77 48.83 73.78 72.07 116.16 136.79 93.67 15.09 5.89 1.1. On Loans and Advance 23.77 43.54 58.87 55.24 93.55 112.72 93.67 14.21 5.89 1.2. On Investment 0.52 1.52 1.2.1 Government Bonds 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 0.52 1.2.4 Deventure & Bonds 1.52 1.3 Agency Balance 1.4 On Call Deposit 2.62 22.61 11.05 0.89 1.5 Others 5.30 14.91 13.69 11.50 2. Comission & Discount 0.27 0.30 0.11 0.04 5.80 0.21 0.02 0.03 0.01 2.1 Bills Purchase & Discount 2.2 Comission 0.30 0.11 0.04 0.21 0.02 0.03 0.01 2.3 Others 0.27 5.80 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 4.65 5.74 2.60 0.92 2.44 7.33 1.37 0.30 5 Non Operating Income 0.19 6 Provision Written Back 34.07 0.02 11.99 6.45 7 Recovery from Written off Loan 10.16 0.04 8 Income from Extra Ordinary Expenses 9 Net Loss 17.63 79.27 2.32 TOTAL INCOME 28.69 88.95 76.51 95.36 139.59 145.89 101.03 95.80 8.52

49 Profit and Loss Account upto Poush 2068 Rs. in million i

Expenses Om CMB Royal Royal Srijana Crystal Butwal WMBFL CMBFCL Guheshwor 1 Interest Expenses 87.33 6.19 138.81 28.15 50.91 133.68 65.17 116.01 48.98 1.1 Deposit Liabilities 84.78 6.19 138.81 28.03 43.70 129.81 65.17 103.73 48.98 1.1.1 Saving A/c 27.80 3.72 50.35 11.53 14.67 27.96 16.88 35.05 12.29 1.1.2 Fixed A/c 56.99 2.47 88.46 16.49 29.03 64.92 48.29 68.68 36.70 1.1.2.1 Upto 3 Months Fixed A/c 0.73 0.84 0.00 0.84 0.01 3.84 11.04 2.15 1.1.2.2 3 to 6 Months fixed A/c 2.71 2.50 0.00 0.05 2.32 3.79 4.07 0.29 1.1.2.3 6 Months to 1 Year Fixed A/c 28.14 63.94 13.89 20.59 32.27 17.98 39.61 20.93 1.1.2.4 Above 1 Year 25.40 2.47 21.18 2.60 7.55 30.32 22.68 13.96 13.33 1.1.3 Call Deposit 36.94 1.1.4 Certificate of Deposits 1.2 Others 2.55 0.12 7.21 3.87 12.27 2 Commission/Fee Expense 0.29 3 Employees Expenses 10.22 1.65 11.28 4.13 4.35 16.66 3.51 5.31 3.08 4 Office Operatiing Expenses 12.70 1.58 14.61 5.42 7.62 19.44 13.29 3.52 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 0.64 4.90 7. Provision for Risk 7.71 11.61 26.58 1605.21 0.03 7.1 Loan loss Provision 7.59 11.61 2.68 1605.21 0.03 7.1.1 General Loan loss Provision 7.59 11.61 1.17 ‐22.20 0.03 7.1.2 Special Loan Loss Provision 1.51 1627.41 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 2.87 0.64 10 Provision for Income Tax 1.73 8.60 11 Others 0.03 12 Net Profit 5.95 20.06 6.42 9.83 22.96 TOTAL EXPENSES 120.17 15.67 207.84 93.20 63.37 1775.63 73.58 144.43 78.57

Income 1. Interest Income 99.94 13.08 190.94 32.94 42.93 90.14 52.62 139.77 74.74 1.1. On Loans and Advance 83.17 12.58 168.44 23.84 37.55 84.40 51.63 128.84 63.50 1.2. On Investment 1.83 3.41 0.82 3.69 1.11 1.2.1 Government Bonds 1.83 3.41 0.82 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 4.06 1.4 On Call Deposit 14.94 0.50 16.95 5.18 6.06 1.5 Others 2.13 8.29 5.38 5.74 0.99 2.05 2. Comission & Discount 0.72 0.17 0.01 4.02 0.03 0.03 0.32 0.20 2.1 Bills Purchase & Discount 2.2 Comission 0.72 0.17 0.01 0.03 0.03 0.03 0.32 0.20 2.3 Others 3.99 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans. 4 Other Operating Income 3.29 2.42 10.08 1.34 0.02 0.56 4.34 3.37 5 Non Operating Income 0.18 0.06 0.26 1.87 0.26 6 Provision Written Back 0.09 6.77 58.66 7 Recovery from Written off Loan 0.06 8 Income from Extra Ordinary Expenses 9 Net Loss 15.94 16.36 1685.44 18.49 TOTAL INCOME 120.17 15.67 207.84 93.20 63.37 1775.63 73.58 144.43 78.57

50 Profit and Loss Account upto Poush 2068 Rs. in million a

Expenses IME Civil ICFC Fewa Patan Everest Shikhar Prudential Sagarmath 1 Interest Expenses 23.12 118.20 15.63 66.37 177.79 199.66 72.63 39.31 27.49 1.1 Deposit Liabilities 22.75 118.20 15.63 54.74 174.39 199.66 72.17 38.10 26.47 1.1.1 Saving A/c 8.70 49.23 7.27 20.61 74.39 140.58 23.31 9.04 9.33 1.1.2 Fixed A/c 14.06 68.98 8.36 34.11 100.00 59.08 48.86 29.06 14.96 1.1.2.1 Upto 3 Months Fixed A/c 2.15 3.68 2.73 5.71 3.28 6.03 3.92 0.01 1.1.2.2 3 to 6 Months fixed A/c 2.08 1.35 1.06 1.71 5.70 1.87 0.09 1.1.2.3 6 Months to 1 Year Fixed A/c 47.16 1.35 11.53 45.40 45.68 32.84 20.79 12.63 1.1.2.4 Above 1 Year 14.06 17.59 3.34 18.50 47.83 8.42 4.29 2.48 2.22 1.1.3 Call Deposit 2.18 1.1.4 Certificate of Deposits 0.02 1.2 Others 0.36 11.64 3.40 0.46 1.21 1.02 2 Commission/Fee Expense 3 Employees Expenses 2.94 9.31 1.74 4.22 14.49 23.06 9.55 3.25 3.52 4 Office Operatiing Expenses 1.96 11.53 2.87 4.66 22.63 22.42 6.86 4.12 1.83 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 0.28 7. Provision for Risk 9.59 29.29 2.07 83.85 2.71 63.10 8.76 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 0.63 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus 0.93 0.36 2.33 0.03 0.40 10 Provision for Income Tax 2.78 1.08 6.99 0.10 1.09 11 Others 12 Net Profit 6.49 2.52 16.31 33.82 0.23 5.92 2.54 TOTAL EXPENSES 37.88 178.54 26.28 159.11 243.26 342.06 98.17 60.89 51.79

Income 1. Interest Income 25.82 169.13 25.13 76.69 232.67 309.35 92.48 57.75 39.20 1.1. On Loans and Advance 20.43 150.33 18.96 74.55 184.43 275.68 84.19 52.70 28.66 1.2. On Investment 0.45 0.45 0.33 1.92 0.58 0.54 0.42 1.2.1 Government Bonds 0.45 0.33 1.92 0.58 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 31.75 8.00 1.5 Others 5.39 1.28 8.68 7.71 4.51 2.12 2. Comission & Discount 0.02 0.36 0.18 1.77 0.28 12.55 4.64 3.14 0.05 2.1 Bills Purchase & Discount 0.00 2.2 Comission 0.02 0.36 0.18 0.04 0.28 12.55 0.46 0.51 0.05 2.3 Others 0.00 1.73 4.18 2.63 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans. 4 Other Operating Income 0.58 9.05 0.97 10.32 20.16 1.72 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 11.46 74.06 TOTAL INCOME 37.88 178.54 26.28 159.11 243.26 342.06 98.17 60.89 51.79

51 Profit and Loss Account upto Poush 2068 Rs. in million

Expenses Seti Lord NEFL hama Kuber Valley Prabhu reliable Buddha Imperial

1 Interest Expenses 247.15 50.21 67.71 29.56 51.02 4.75 18.92 94.29 27.61 1.1 Deposit Liabilities 247.08 49.57 63.70 28.20 49.95 4.75 18.90 89.92 27.61 1.1.1 Saving A/c 153.75 15.41 15.48 15.57 8.25 3.10 5.07 50.82 15.12 1.1.2 Fixed A/c 93.33 34.16 48.22 12.63 41.71 1.65 9.45 39.09 12.50 1.1.2.1 Upto 3 Months Fixed A/c 2.61 2.83 0.03 1.69 2.17 1.94 1.1.2.2 3 to 6 Months fixed A/c 9.57 0.52 0.18 4.39 0.01 0.09 2.70 1.40 1.1.2.3 6 Months to 1 Year Fixed A/c 71.41 13.31 48.22 8.42 9.76 1.02 3.95 29.93 8.09 1.1.2.4 Above 1 Year 9.74 17.50 4.00 27.55 0.63 3.72 4.29 1.07 1.1.3 Call Deposit 4.38 1.1.4 Certificate of Deposits 1.2 Others 0.07 0.64 4.01 1.37 1.06 0.02 4.37 2 Commission/Fee Expense 3 Employees Expenses 29.49 3.61 7.21 4.44 5.50 2.39 3.02 9.06 2.39 4 Office Operatiing Expenses 50.30 2.53 12.22 3.92 7.41 0.72 3.65 9.72 2.47 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 5.80 2.50 0.87 0.68 12.61 0.53 25.37 3.34 6.10 7.1 Loan loss Provision 5.80 0.87 0.68 12.61 0.32 25.37 6.10 7.1.1 General Loan loss Provision 5.80 0.87 0.07 0.07 ‐1.13 6.10 7.1.2 Special Loan Loss Provision 0.68 12.54 0.25 29.52 7.1.3 Additional Loan Loss Provision ‐3.02 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 4.41 1.17 1.67 0.47 10 Provision for Income Tax 13.23 3.50 2.52 5.00 1.41 11 Others 12 Net Profit 30.87 5.44 8.17 1.71 2.79 11.67 3.29 TOTAL EXPENSES 381.35 64.29 88.01 51.45 78.27 11.18 53.48 134.75 43.75

Income 1. Interest Income 344.08 56.70 60.75 48.05 73.76 10.40 28.66 122.66 43.72 1.1. On Loans and Advance 287.58 44.46 58.67 38.86 68.38 9.25 25.12 105.23 32.05 1.2. On Investment 3.74 0.02 0.30 0.46 1.44 0.72 1.2.1 Government Bonds 0.30 0.46 1.44 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 0.02 0.72 1.2.4 Deventure & Bonds 3.74 1.3 Agency Balance 23.73 1.4 On Call Deposit 1.40 1.58 5.38 3.07 15.96 6.44 1.5 Others 29.04 12.22 0.69 7.32 1.14 0.00 0.03 4.51 2. Comission & Discount 7.19 0.05 2.18 0.83 0.49 0.11 0.04 1.89 0.02 2.1 Bills Purchase & Discount 2.2 Comission 7.19 0.05 2.18 0.83 0.49 0.11 0.04 1.80 0.02 2.3 Others 0.09 3 Income From Exchange Fluctuation 11.66 0.90 3.1 Due to Change in Exchange Rate 11.66 0.90 3.2 Due to Foreign Currency Trans. 4 Other Operating Income 11.54 1.78 0.91 2.57 3.35 0.67 2.34 4.56 5 Non Operating Income 3.16 0.30 0.67 0.15 6 Provision Written Back 3.73 5.46 0.10 4.60 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss 24.08 22.45 TOTAL INCOME 381.35 64.29 88.01 51.45 78.27 11.18 53.48 134.75 43.75

52 Profit and Loss Account upto Poush 2068 Rs. in million e an

Expenses Api Kaski Zenith Unique Swastik Namaste Manjushre Suryadarsh Subhalaxmi 1 Interest Expenses 16.94 37.84 3.07 61.59 32.02 44.92 23.59 38.36 28.69 1.1 Deposit Liabilities 16.94 37.84 3.07 61.59 30.35 44.83 18.49 37.06 28.69 1.1.1 Saving A/c 6.83 24.35 2.56 27.39 13.33 26.72 3.45 20.36 4.52 1.1.2 Fixed A/c 10.11 13.49 0.51 34.20 17.03 18.11 15.04 16.70 22.47 1.1.2.1 Upto 3 Months Fixed A/c 0.48 2.79 1.95 0.11 0.15 0.42 0.58 1.1.2.2 3 to 6 Months fixed A/c 0.27 1.45 1.21 0.06 1.75 0.61 1.1.2.3 6 Months to 1 Year Fixed A/c 6.17 10.07 0.02 28.54 13.54 12.39 13.33 6.85 6.12 1.1.2.4 Above 1 Year 3.95 2.66 0.49 2.86 0.08 4.41 1.50 7.68 15.16 1.1.3 Call Deposit 1.70 1.1.4 Certificate of Deposits 1.2 Others 1.67 0.09 5.09 1.30 2 Commission/Fee Expense 3 Employees Expenses 2.60 4.90 1.10 5.74 3.10 5.77 2.10 3.43 4.50 4 Office Operatiing Expenses 3.08 5.75 0.40 6.53 3.84 4.99 2.97 6.28 6.30 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 0.65 6.27 4.10 2.63 2.02 0.89 7.1 Loan loss Provision 0.75 1.14 0.65 6.27 4.10 2.63 2.02 0.89 7.1.1 General Loan loss Provision 0.75 1.14 0.32 0.17 2.02 7.1.2 Special Loan Loss Provision 0.32 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 0.94 1.44 0.67 1.38 1.03 10 Provision for Income Tax 2.82 4.31 2.00 4.15 3.10 11 Others 12 Net Profit 4.13 6.58 2.58 10.05 4.67 9.69 12.45 5.77 7.23 TOTAL EXPENSES 27.50 59.97 7.79 95.92 46.29 75.00 43.74 55.87 51.73

Income 1. Interest Income 25.97 54.69 6.63 91.88 44.23 68.46 42.45 53.41 49.17 1.1. On Loans and Advance 21.18 43.60 5.21 80.30 34.75 56.17 37.32 51.61 49.17 1.2. On Investment 0.18 0.33 0.39 0.05 0.70 1.2.1 Government Bonds 0.18 0.39 0.05 0.70 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 0.33 1.2.4 Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 4.43 9.68 1.12 6.68 12.24 1.5 Others 0.18 1.41 0.30 11.25 2.42 4.43 1.80 2. Comission & Discount 0.38 0.52 0.15 0.15 1.29 2.46 0.10 2.1 Bills Purchase & Discount 2.2 Comission 0.25 0.52 0.15 0.15 0.49 0.10 2.3 Others 0.12 1.29 1.97 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans. 4 Other Operating Income 1.15 4.76 0.79 4.04 0.79 6.39 2.46 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 27.50 59.97 7.57 95.92 46.29 75.00 43.74 55.87 51.73

53 Profit and Loss Account upto Poush 2068 Rs. in million

Expenses Jebils Lotus Baibhav Reliance Bhaktapur 1 Interest Expenses 17.62 50.03 14.34 6.40 5.04 1.1 Deposit Liabilities 17.62 48.46 14.34 6.40 5.04 1.1.1 Saving A/c 3.71 24.73 7.31 5.02 2.29 1.1.2 Fixed A/c 9.03 23.73 7.03 1.37 0.74 1.1.2.1 Upto 3 Months Fixed A/c 0.12 3.72 0.12 1.1.2.2 3 to 6 Months fixed A/c 0.64 3.54 0.02 0.07 1.1.2.3 6 Months to 1 Year Fixed A/c 3.27 6.94 5.57 0.83 0.22 1.1.2.4 Above 1 Year 5.00 9.53 1.31 0.54 0.45 1.1.3 Call Deposit 4.88 2.01 1.1.4 Certificate of Deposits 1.2 Others 1.57 2 Commission/Fee Expense 3 Employees Expenses 4.43 3.83 2.23 2.60 1.40 4 Office Operatiing Expenses 4.72 5.44 4.29 2.42 2.10 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 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 0.14 0.69 0.27 10 Provision for Income Tax 0.47 2.08 0.81 11 Others 12 Net Profit 0.96 4.85 5.28 5.14 2.08 TOTAL EXPENSES 31.91 68.66 26.72 16.78 12.19

Income 1. Interest Income 26.53 66.81 24.20 15.43 11.67 1.1. On Loans and Advance 22.91 51.68 19.28 10.85 4.17 1.2. On Investment 0.31 0.15 0.28 0.01 0.02 1.2.1 Government Bonds 0.31 0.15 0.02 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 0.01 1.2.4 Deventure & Bonds 0.28 1.3 Agency Balance 1.4 On Call Deposit 3.31 7.88 4.57 7.03 1.5 Others 0.00 7.11 4.64 0.45 2. Comission & Discount 0.65 0.45 0.04 1.35 0.52 2.1 Bills Purchase & Discount 2.2 Comission 0.65 0.45 0.04 0.00 2.3 Others 1.35 0.51 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans. 4 Other Operating Income 1.89 1.40 1.49 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 TOTAL INCOME 31.91 68.66 26.72 16.78 12.19

54 Statement of Loans and Advances as on Poush end 2068 Rs. in million NIC LBL Sector wise credit EBL HBL NBL NCC RBB BOK MBL NSBI NIBL NBBL Laxmi NABIL SCBNL Kumari

1 Agricultural and Forest Related 289.44 583.28 307.03 350.94 621.16 405.46 481.49 46.97 1884.08 269.81 293.75 763.84 198.52 64.13 328.79 411.83 2 Fishery Related 51.41 371.79 6.41 3 Mining Related 44.81 743.16 25.44 41.49 28.04 2.35 300.00 47.96 842.61 4 Manufacturing (Producing) Related 5026.03 5356.37 12155.21 13829.84 3866.94 11880.33 4594.76 2280.04 6480.38 5749.29 2132.50 5012.99 672.49 3327.22 3249.14 4099.69 5 Construction 2407.81 3730.80 5032.86 1540.73 4009.04 1462.24 2781.46 2547.59 4464.76 1441.46 964.84 1999.56 828.64 1113.13 2132.85 3150.16 6 Electricity,Gas and Water 265.07 319.17 121.14 220.56 23.02 899.44 139.23 5.80 469.55 853.46 296.75 140.97 182.56 869.53 16.17 270.30 7 Metal Products, Mach. & Ele. Eqp. 53.68 867.19 531.38 301.54 298.29 37.24 548.73 151.66 704.66 258.65 294.53 11.35 7.26 126.62 586.08 37.05 8 Tras., Com. and Public Utilities 900.43 1572.52 3830.52 1007.04 15.42 1642.46 985.68 367.23 3092.32 157.31 626.34 283.43 206.14 526.69 766.35 857.02 9 Wholesaler & Retailer 5251.74 9674.12 9638.34 6075.61 2486.39 5051.07 7456.07 1998.65 11462.49 4168.86 1633.91 2596.96 1609.34 2591.16 2448.04 2614.83 10 Finance, Insurance and Real Estate 833.36 2233.64 3415.65 5595.97 1444.96 5476.40 841.32 639.33 3291.52 2323.29 1731.83 1725.77 385.61 1793.08 2419.94 3255.45 11 Hotel or Restaurant 367.17 679.91 1069.66 2118.43 39.96 790.05 290.33 428.04 693.52 155.50 256.01 95.32 680.19 123.24 427.21 32.72 12 Other Services 388.49 1532.45 2217.58 2514.35 144.90 2849.37 272.28 476.54 950.44 1200.57 219.77 304.86 252.77 552.70 974.39 515.97 13 Consumption Loans 8147.09 6713.49 210.35 1440.80 3535.41 708.20 280.76 547.90 1865.08 1209.78 909.72 1028.77 38.94 331.05 725.50 543.17 14 Local Government 218.39 138.81 255.20 57.29 134.63 15 Others 3482.00 2187.88 3061.31 6216.76 2499.18 3225.91 4529.95 1221.08 908.19 1065.01 461.28 1359.06 1516.66 2307.40 1798.38 402.00 TOTAL 27457.10 36463.78 41616.46 41254.06 19123.48 35055.15 23202.07 10745.28 36269.34 19152.98 9821.23 15322.87 6636.41 13773.92 16715.44 16324.84 Product wise credit 1 Term Loan 5867.50 3373.42 5732.00 5720.09 2491.20 5222.15 1210.04 1474.99 4883.75 2522.06 903.67 824.87 779.28 2297.48 2427.89 2601.39 2 Overdraft 3023.60 4952.96 8709.67 9599.76 1174.92 5371.79 1138.83 2919.64 2561.63 4515.82 3168.32 1041.75 729.93 2946.89 4916.38 2326.11 3 Trust Receipt Loan / Import Loan 1024.10 652.72 4114.73 4040.94 1153.06 4425.74 1333.21 851.91 1296.83 1128.21 635.62 1260.02 108.49 1244.27 708.61 601.68 4 Demand & Other Working Capital Loan 4772.50 11791.04 5911.97 8335.60 3699.03 8046.92 10559.60 1554.26 14399.65 4141.64 956.20 4183.69 1353.41 1070.93 2845.17 4367.31 5 Res. Per. H. Loan (Up to Rs. 10 mil.) 1776.10 2916.77 2516.89 788.47 2849.75 1468.31 2244.80 486.86 3873.95 1299.08 587.48 1367.48 145.63 510.17 1303.33 691.11 6 Real Estate Loan 415.20 1912.86 5011.97 8523.01 1793.16 3666.72 1485.69 871.52 2205.16 1532.39 1477.35 1799.33 1166.41 2723.92 2864.48 3007.76 7 Margin Nature Loan 724.70 486.84 76.15 917.98 2.09 0.14 74.74 124.91 117.92 247.79 52.74 24.97 288.33 201.26 8 Hire Purchase Loan 1783.30 1347.56 3962.81 1593.71 3440.89 1693.64 423.38 1150.00 4716.69 1270.94 780.18 1088.48 432.58 879.62 586.04 471.73 9 Deprived Sector Loan 572.50 1174.66 1162.45 1355.77 584.01 988.42 714.86 322.23 1039.58 721.79 311.63 483.46 204.03 479.38 518.27 501.44 10 Bills Purchased 28.10 75.52 117.62 97.14 1072.52 2168.62 112.75 72.09 41.76 1299.83 15.96 14.48 0.13 14.35 41.53 885.90 11 Other Product 7469.50 7779.43 4376.37 1123.41 864.93 1084.85 3976.83 1041.64 1175.60 596.30 866.90 3011.52 1663.78 1581.94 215.41 669.16 TOTAL LOAN & ADVANCES 27457.10 36463.78 41616.46 41254.06 19123.48 35055.15 23202.07 10745.28 36269.34 19152.98 9821.23 15322.87 6636.41 13773.92 16715.44 16324.84 Security wise credit 1 Gold and Silver 6326.93 6452.81 35.93 1046.95 128.54 0.13 420.49 12.66 8.08 1.00 24.43 2 Government Securities 568.14 516.59 100.44 3.42 1228.49 0.24 175.92 59.67 21.41 3.60 57.29 0.89 3 Non Governmental Securities 10.99 152.91 103.03 888.22 2.09 927.97 2.20 217.91 273.41 38.46 29.92 156.41 4 Fixed Deposit Receipts 161.89 478.15 559.33 165.28 274.58 322.05 906.19 252.11 877.44 953.16 193.66 154.77 39.61 144.05 133.60 83.46 4.1 Own 157.12 324.32 489.55 165.28 133.79 321.69 906.19 252.11 876.87 948.41 193.66 154.77 39.61 82.46 133.60 83.46 4.2 Other Licences Institutions 4.77 153.83 69.79 140.78 0.36 0.57 4.75 61.59 5 Collateral of Properties 16860.22 27887.64 31168.17 35466.52 14848.65 30591.04 20238.57 9206.46 32256.41 16037.38 8257.25 14343.60 5801.09 13082.02 15991.03 15456.74 5.1 Fixed Assets 14051.26 27721.84 23846.90 30166.06 12698.51 29063.39 17179.48 8667.36 13114.80 13345.73 6569.56 9232.27 5665.93 9663.56 14941.10 11122.08 5.2 Current Assets 2808.96 165.80 7321.27 5300.47 2150.13 1527.64 3059.08 539.10 19141.61 2691.65 1687.69 5111.33 135.16 3418.47 1049.93 4334.66 6 Against security of Bill 311.30 192.94 3871.59 129.60 2168.62 188.44 97.60 128.32 1375.91 6.85 4.42 252.78 48.52 5.60 6.1 Domestic Bills 25.35 49.69 129.37 84.43 27.43 14.41 47.69 0.15 6.2 Foreign Bills 311.30 167.59 3821.91 129.60 2039.25 104.00 70.17 113.91 1375.91 6.85 4.42 252.78 0.83 5.46 7 Against Guarantee 533.02 266.86 46.00 532.56 292.37 1012.15 694.02 957.04 1000.62 749.14 360.79 473.29 150.49 414.73 267.74 138.51 7.1 Government Guarantee 235.93 11.00 368.27 138.81 156.12 91.30 217.83 2.17 71.84 139.16 129.84 0.77 134.63 7.2 Institutional Guarantee 220.34 241.23 156.18 153.57 439.90 318.60 698.81 127.04 233.40 334.13 117.73 250.62 266.97 7.3 Personal Guarantee 25.68 12.51 7.40 547.14 50.68 55.27 0.02 34.26 0.00 3.88 7.4 Collective Guarantee 1.07 2.02 2.72 0.00 5.29 7.5 Int. Rtd. Foreign Bank's Guarantee 26.97 98.00 0.28 7.6 Other Guarantee 50.00 0.10 43.28 0.70 985.18 33.30 614.64 32.74 8 Credit Card 135.92 41.65 109.12 72.83 13.65 10.06 9 Others 2684.62 515.88 5699.06 3765.05 2370.27 996.84 103.53 1018.91 364.28 57.12 296.69 46.61 160.07 610.74 Total 27457.10 36463.78 41616.46 41254.06 19123.48 35055.15 23202.07 10745.28 36269.34 19152.98 9821.23 15322.87 6636.41 13773.92 16715.44 16324.84

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

Sector wise credit Kist BOA NIDC DCBL NMB Mega Prime Global Janata CTBNL ADBNL Sunrise Citizens Century Civil Bank Civil 1 Agricultural and Forest Related 229.76 8430.94 50.85 80.97 271.17 71.79 29.38 192.62 155.91 303.84 104.76 8.37 271.53 13.90 54.00 19.63 2 Fishery Related 1675.02 0.50 0.29 3 Mining Related 90.92 0.90 2.31 19.75 450.32 141.86 154.69 81.43 9.98 169.60 29.93 4 Manufacturing (Producing) Related 3701.74 5033.35 3973.12 2862.26 4095.35 2016.68 3549.23 2079.54 3436.93 1296.39 2732.96 2196.62 1034.18 2010.05 529.74 696.61 5 Construction 2429.31 2441.57 1084.37 743.44 1214.39 2002.96 508.53 679.10 1381.61 2013.11 155.76 481.10 269.77 279.98 372.96 6 Electricity,Gas and Water 650.09 5.11 18.37 895.46 747.06 507.11 101.49 3.43 147.73 286.84 312.18 290.68 61.70 29.20 7 Metal Products, Mach. & Ele. Eqp. 85.01 150.94 170.94 76.78 39.80 571.93 83.64 92.98 463.94 65.99 236.28 463.95 328.48 31.80 1.42 4.01 8 Tras., Com. and Public Utilities 936.17 199.96 122.64 195.88 266.06 1817.92 447.23 1001.30 701.74 662.01 148.20 1097.49 462.17 73.82 28.28 9 Wholesaler & Retailer 2948.05 11026.12 3130.03 1249.35 2530.13 2164.04 2302.08 1265.59 1953.22 2250.08 763.58 1368.02 541.32 1210.57 447.11 67.54 10 Finance, Insurance and Real Estate 2925.05 574.39 996.66 2678.90 2914.20 1418.23 3647.32 2504.92 1594.87 2799.57 420.11 359.07 132.23 880.29 141.64 117.07 11 Hotel or Restaurant 267.04 1007.18 494.82 140.14 134.23 157.19 300.22 354.79 105.75 1010.93 261.68 372.72 109.43 312.28 7.80 394.09 12 Other Services 1100.06 2475.45 375.49 655.16 551.93 390.71 638.94 564.47 771.02 1454.78 239.06 297.30 131.62 391.23 90.43 47.92 13 Consumption Loans 121.35 389.24 332.13 884.81 456.19 254.87 1018.74 54.45 807.96 740.22 400.17 420.01 58.49 54.60 138.00 3.16 14 Local Government 135.05 77.19 15 Others 3859.44 7559.52 4105.28 2133.48 5192.32 535.32 861.35 810.46 478.46 773.12 349.92 214.56 378.02 21.98 112.51 19.78 TOTAL 19479.04 40969.70 14857.51 12616.38 18863.15 12127.80 13642.84 9685.09 11999.14 13657.17 5822.47 7761.00 4037.85 5342.19 1923.89 1399.01 Product wise credit 1 Term Loan 3334.47 12749.09 947.63 2718.18 1774.57 1463.76 1725.21 1458.11 1390.57 2741.95 908.65 570.60 503.32 283.81 226.45 910.02 2 Overdraft 4771.99 2521.29 3733.54 2447.23 4998.33 2538.09 2097.46 861.30 714.07 3701.49 1323.24 406.19 948.45 1354.17 599.59 63.20 3 Trust Receipt Loan / Import Loan 680.73 1143.48 378.41 720.34 238.68 1311.33 550.40 610.81 135.29 570.16 909.91 293.57 638.06 236.74 4 Demand & Other Working Capital Loan 3050.13 18224.57 4219.01 1445.77 572.87 1984.67 3123.58 2965.72 2544.85 1244.60 1971.19 3788.28 1627.85 1944.70 365.22 257.10 5 Res. Per. H. Loan (Up to Rs. 10 mil.) 824.77 2021.55 395.11 413.86 810.08 671.24 518.65 122.14 805.32 536.77 119.71 91.15 47.50 57.74 188.64 12.44 6 Real Estate Loan 4326.37 312.38 2506.20 2534.90 3891.17 2317.43 2801.84 2397.24 1433.22 3049.59 196.66 197.48 159.76 378.08 192.96 108.96 7 Margin Nature Loan 476.31 319.27 64.24 702.10 114.46 81.71 268.74 323.56 412.06 84.21 176.29 18.68 51.94 8 Hire Purchase Loan 932.38 8.09 920.04 930.54 580.05 1561.15 833.86 181.44 1165.74 999.30 221.68 874.10 173.45 92.35 60.93 20.01 9 Deprived Sector Loan 611.35 4883.54 400.62 442.07 579.64 406.15 430.09 296.11 373.71 440.14 122.74 163.53 103.60 117.37 9.75 10 Bills Purchased 282.27 28.86 81.31 120.40 102.47 6.12 18.15 517.23 21.16 4.86 3.05 6.90 11 Other Product 188.29 249.21 243.75 1159.87 4113.60 729.70 713.01 565.73 2120.03 374.81 299.36 756.71 4.06 450.33 1.42 17.53 TOTAL LOAN & ADVANCES 19479.04 40969.70 14857.51 12616.38 18863.15 12127.80 13642.84 9685.09 11999.14 13657.17 5822.47 7761.00 4037.85 5342.19 1923.89 1399.01 Security wise credit 1 Gold and Silver 460.23 2784.90 517.03 187.27 17.50 2 Government Securities 0.04 3 Non Governmental Securities 15.83 95.69 59.93 743.15 114.46 365.67 423.80 99.20 37.18 27.50 18.68 51.95 4 Fixed Deposit Receipts 286.96 293.03 1.68 132.15 127.78 140.41 86.57 12.29 93.84 181.69 2.64 54.73 2.11 31.83 25.13 4.1 Own 282.74 293.03 1.66 128.35 127.78 135.96 86.57 12.29 93.84 181.69 2.64 52.95 2.11 31.83 2.17 4.2 Other Licences Institutions 4.23 0.02 3.80 4.45 1.78 22.96 5 Collateral of Properties 17659.61 40676.67 3080.09 10280.29 14255.06 11791.33 12139.34 9132.18 10750.93 12236.40 5291.07 7434.84 3753.37 4828.79 1846.81 5.1 Fixed Assets 12246.44 40676.67 2077.90 7617.63 13833.71 8482.32 9192.74 7298.69 7744.91 12172.85 3150.63 4082.67 1095.70 3392.02 777.20 5.2 Current Assets 5413.17 1002.19 2662.66 421.35 3309.01 2946.60 1833.49 3006.03 63.54 2140.43 3352.17 2657.68 1436.77 1069.61 6 Against security of Bill 6.92 17.50 257.84 4.41 18.16 54.42 22.06 92.55 30.30 0.00 328.01 6.1 Domestic Bills 17.50 21.98 4.41 17.00 15.68 19.96 6.2 Foreign Bills 6.92 235.87 18.16 54.42 5.06 76.88 30.30 0.00 308.06 7 Against Guarantee 619.33 88.51 6.73 533.53 77.19 346.22 103.02 603.56 676.01 15.29 76.10 117.37 7.1 Government Guarantee 135.05 6.73 117.80 77.19 52.81 34.91 7.2 Institutional Guarantee 484.28 415.13 346.22 102.99 507.11 276.60 76.10 117.37 7.3 Personal Guarantee 43.05 0.60 0.03 39.81 358.71 0.00 7.4 Collective Guarantee 4.90 3.83 5.78 15.29 7.5 Int. Rtd. Foreign Bank's Guarantee 7.6 Other Guarantee 40.56 8 Credit Card 22.31 9 Others 890.38 11551.73 1419.21 418.72 553.70 419.45 130.67 117.20 149.73 188.65 178.77 1399.01 Total 19479.04 40969.70 14857.51 12616.38 18863.15 12127.80 13642.84 9685.09 11999.14 13657.17 5822.47 7761.00 4037.85 5342.19 1923.89 1399.01

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

Sector wise credit ar SDBL PDBL UDBL MDBL Triveni Malika Karnali Sanima Bhrikuti Sahayogi Narayani Uddhyam Pashupati Suvekchha Annapurna Gaurishank Bageshwori 1 Agricultural and Forest Related 18.33 16.33 190.59 24.08 26.92 9.26 258.08 23.35 50.02 86.83 279.64 56.93 68.09 27.95 18.60 3.15 24.13 2 Fishery Related 4.24 2.15 2.02 0.40 1.08 0.07 3 Mining Related 21.13 12.94 11.95 1.02 7.13 3.70 4 Manufacturing (Producing) Related 13.73 163.26 296.58 0.30 156.25 21.76 128.16 22.66 177.57 46.75 111.34 28.63 264.32 4.88 67.83 1115.75 29.92 5 Construction 24.32 35.16 335.22 4.04 698.92 67.65 189.61 117.66 46.55 45.01 162.34 59.65 72.13 129.74 1286.16 83.43 6 Electricity,Gas and Water 1.20 14.55 9.00 1.53 2.48 0.52 376.06 7 Metal Products, Mach. & Ele. Eqp. 178.91 15.42 0.01 18.88 2.39 13.25 42.27 2.60 8 Tras., Com. and Public Utilities 18.93 84.15 316.53 1.61 46.95 179.81 8.65 43.23 46.11 201.83 70.13 264.85 157.48 113.47 776.89 55.59 9 Wholesaler & Retailer 34.76 445.65 493.13 19.74 587.08 212.06 251.56 230.78 150.52 160.85 145.03 247.73 837.58 422.98 427.36 957.06 38.31 10 Finance, Insurance and Real Estate 13.39 20.00 470.68 306.63 119.30 127.55 173.39 15.44 207.64 683.79 29.07 11 Hotel or Restaurant 13.96 35.47 284.97 151.16 18.10 37.85 1.44 18.68 228.03 0.11 75.20 84.79 6.48 12 Other Services 8.42 50.37 249.05 58.74 30.88 52.03 32.10 143.45 52.04 16.83 281.39 12.84 79.19 508.39 20.45 13 Consumption Loans 1.92 30.54 360.11 302.57 75.71 36.48 18.86 30.52 14.62 21.37 16.68 23.77 53.46 12.93 456.25 17.55 14 Local Government 1.50 0.23 15 Others 18.29 243.77 161.94 18.91 96.36 144.66 218.07 287.97 145.97 464.24 285.44 214.86 33.81 62.68 556.55 298.68 TOTAL 166.05 1130.13 3375.54 68.68 2406.57 715.44 1477.03 762.38 855.30 543.63 1502.78 1221.87 1954.85 786.72 1007.38 6847.12 609.96 Product wise credit 1 Term Loan 10.20 45.17 753.04 197.07 29.55 178.85 67.64 207.60 90.12 85.78 88.48 177.38 1215.78 195.79 2 Overdraft 61.84 98.58 144.66 443.23 202.53 420.64 1163.26 248.44 521.93 1313.13 202.10 3 Trust Receipt Loan / Import Loan 4 Demand & Other Working Capital Loan 1.29 787.09 863.95 1077.72 212.06 240.56 290.11 49.68 869.84 846.16 1.20 5 Res. Per. H. Loan (Up to Rs. 10 mil.) 17.92 35.16 4.04 122.78 61.67 42.40 98.07 41.47 98.19 57.25 186.81 66.47 133.41 380.26 63.88 6 Real Estate Loan 13.39 790.82 520.59 119.30 242.58 18.38 156.45 45.01 169.34 208.09 148.11 83.40 1525.91 29.07 7 Margin Nature Loan 2.44 105.61 287.52 64.58 0.89 0.20 45.33 90.92 8 Hire Purchase Loan 15.55 101.01 347.33 1.61 30.02 46.95 135.64 8.48 64.08 46.11 194.94 24.74 272.58 189.61 113.47 796.85 51.01 9 Deprived Sector Loan 7.67 30.86 104.56 1.99 71.10 19.31 64.47 24.68 31.97 22.20 64.10 35.73 67.25 33.81 33.78 192.82 44.42 10 Bills Purchased 18.09 11 Other Product 38.19 128.40 392.14 61.04 1.17 17.37 368.97 372.20 0.86 222.71 415.76 26.22 31.07 31.18 27.42 485.29 22.50 TOTAL LOAN & ADVANCES 166.05 1130.13 3375.54 68.68 2406.57 715.44 1477.03 762.38 855.30 543.63 1502.78 1221.87 1954.85 786.72 1007.38 6847.12 609.96 Security wise credit 1 Gold and Silver 2 Government Securities 16.00 3 Non Governmental Securities 105.61 272.78 64.58 0.89 4 Fixed Deposit Receipts 0.84 13.67 72.27 3.91 11.13 19.98 18.86 0.86 14.62 68.10 12.16 16.03 21.32 12.90 127.22 7.86 4.1 Own 0.84 13.67 72.27 3.91 11.13 19.98 18.86 0.86 14.62 68.10 12.16 16.03 21.32 12.90 127.22 7.86 4.2 Other Licences Institutions 5 Collateral of Properties 164.81 1093.97 3133.35 40.40 2053.59 637.01 1441.91 741.52 825.81 529.01 1126.92 1176.81 1938.82 765.40 994.49 6420.63 596.10 5.1 Fixed Assets 164.81 1093.97 3133.35 40.40 2053.59 637.01 1441.66 741.52 825.81 529.01 812.61 1176.81 1938.82 765.40 994.49 6420.63 596.10 5.2 Current Assets 0.25 314.31 6 Against security of Bill 18.09 6.1 Domestic Bills 18.09 6.2 Foreign Bills 7 Against Guarantee 0.40 1.20 30.22 28.28 41.10 2.72 14.25 28.44 3.70 6.19 5.27 7.1 Government Guarantee 0.40 2.72 0.04 1.50 3.70 7.2 Institutional Guarantee 30.02 41.10 20.00 7.3 Personal Guarantee 0.20 28.28 13.38 6.94 6.19 0.01 7.4 Collective Guarantee 1.20 0.84 5.26 7.5 Int. Rtd. Foreign Bank's Guarantee 7.6 Other Guarantee 8 Credit Card 9 Others 21.29 35.19 2.01 0.20 307.76 29.19 293.07 0.73 Total 166.05 1130.13 3375.54 68.68 2406.57 715.44 1477.03 762.38 855.30 543.63 1502.78 1221.87 1954.85 786.72 1007.38 6847.12 609.96

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

Sector wise credit re Excel Sewa Tinau NDEP H & B Rising Miteri WDBL CEDBL Kankai Gurkha Araniko Gandaki Business Biratlaxmi Muktinath Infrastructu 1 Agricultural and Forest Related 11.50 38.89 27.04 5.91 120.52 94.63 1.23 42.13 23.79 127.77 99.20 17.77 33.74 49.13 17.95 135.04 6.90 2 Fishery Related 2.01 0.70 0.10 0.80 3 Mining Related 33.81 3.68 0.32 4.17 28.06 4 Manufacturing (Producing) Related 14.48 47.60 138.78 31.90 125.78 59.00 16.09 284.33 10.01 130.05 385.23 18.49 21.98 66.06 66.72 22.91 5 Construction 58.60 139.31 224.67 253.42 102.74 3.00 18.85 1248.28 68.31 587.87 292.81 53.10 16.68 151.30 514.73 101.74 30.21 6 Electricity,Gas and Water 19.26 1.28 432.60 7 Metal Products, Mach. & Ele. Eqp. 12.37 0.12 80.91 4.08 41.02 6.04 11.96 351.16 0.25 6.29 16.58 8 Tras., Com. and Public Utilities 110.34 125.85 57.02 483.15 40.33 70.21 414.16 55.73 154.74 450.34 33.84 71.45 419.53 183.17 13.34 9 Wholesaler & Retailer 180.12 320.67 573.39 166.84 538.07 398.18 120.22 1090.88 56.23 353.91 591.89 97.29 254.78 56.82 245.24 458.00 113.53 10 Finance, Insurance and Real Estate 890.69 49.41 185.88 120.88 493.84 16.49 422.43 693.38 32.82 57.30 5.00 33.33 11 Hotel or Restaurant 34.88 52.42 28.73 26.95 46.33 16.18 136.92 7.54 118.32 78.91 9.61 13.95 0.70 12 Other Services 62.09 43.56 56.95 24.47 52.63 75.16 33.80 390.27 3.47 539.77 32.00 15.43 98.09 5.83 128.02 13 Consumption Loans 239.40 41.79 30.02 40.34 86.46 125.50 12.63 204.48 10.53 500.18 78.52 107.76 7.84 24.12 16.29 26.40 6.51 14 Local Government 1.50 1.37 15 Others 789.53 390.58 536.67 178.51 504.34 215.23 121.21 978.02 102.69 612.12 444.27 113.85 81.63 358.05 630.10 31.43 104.53 TOTAL 2425.42 1268.13 1673.39 1478.60 1530.53 1182.32 410.42 5348.46 362.22 3559.13 3930.32 502.51 649.76 716.31 1843.84 1223.81 298.63 Product wise credit 1 Term Loan 44.96 43.49 132.32 164.13 354.51 36.29 130.23 275.68 66.83 431.89 697.08 15.63 39.95 47.91 203.22 86.35 2 Overdraft 504.28 507.53 1010.52 201.34 603.93 262.11 154.87 928.20 141.33 1186.07 1138.63 97.35 354.61 141.39 197.33 379.36 147.45 3 Trust Receipt Loan / Import Loan 4 Demand & Other Working Capital Loan 332.12 13.06 211.28 555.19 12.58 1105.45 10.03 490.95 3.20 162.62 5 Res. Per. H. Loan (Up to Rs. 10 mil.) 58.49 114.94 60.74 253.42 102.74 53.90 18.85 610.00 42.70 176.46 236.88 37.40 149.23 489.11 137.47 28.09 6 Real Estate Loan 933.05 103.28 247.60 142.27 15.77 63.34 686.66 11.53 641.74 704.73 32.82 60.29 5.00 25.62 47.49 12.10 7 Margin Nature Loan 226.39 61.74 1.03 76.03 0.78 287.00 166.67 0.68 0.70 8 Hire Purchase Loan 69.51 136.18 57.02 510.41 25.85 35.93 70.21 559.39 60.27 169.55 365.46 43.51 80.91 48.39 419.53 175.50 13.58 9 Deprived Sector Loan 16.67 34.29 39.75 46.10 35.32 38.02 9.68 125.33 19.80 127.59 118.54 16.99 20.53 30.34 496.55 38.27 10.72 10 Bills Purchased 5.70 11 Other Product 239.95 315.38 63.70 160.92 181.14 136.51 14.00 976.04 8.94 538.84 11.39 255.60 92.79 341.96 167.79 79.18 0.35 TOTAL LOAN & ADVANCES 2425.42 1268.13 1673.39 1478.60 1530.53 1182.32 410.42 5348.46 362.22 3559.13 3930.32 502.51 649.76 716.31 1843.84 1223.81 298.63 Security wise credit 1 Gold and Silver 13.82 87.34 1.26 142.16 89.23 8.11 0.13 2 Government Securities 3 Non Governmental Securities 226.39 1.03 1.74 273.56 168.67 4 Fixed Deposit Receipts 13.01 17.59 30.02 13.07 60.62 17.12 12.62 103.31 3.22 54.64 35.49 6.78 5.07 16.01 16.29 12.81 0.26 4.1 Own 13.01 17.59 30.02 13.07 60.62 17.12 12.62 103.13 3.22 54.64 35.49 6.78 5.07 16.01 16.29 12.81 0.26 4.2 Other Licences Institutions 0.18 5 Collateral of Properties 2172.76 1236.73 1581.50 1465.53 1469.92 1072.58 397.80 4903.45 357.76 2918.19 3427.48 406.50 633.60 692.19 1331.00 1208.62 298.24 5.1 Fixed Assets 2172.76 1236.73 1581.50 1465.53 1469.92 1072.58 397.80 4876.99 357.76 2915.92 3310.72 406.50 633.60 692.19 1331.00 1208.62 298.24 5.2 Current Assets 26.46 2.27 116.76 6 Against security of Bill 5.70 6.1 Domestic Bills 5.70 6.2 Foreign Bills 7 Against Guarantee 0.12 21.36 0.08 5.53 79.76 11.09 496.55 2.38 7.1 Government Guarantee 15.88 1.37 7.2 Institutional Guarantee 0.12 9.00 0.19 63.88 10.78 0.21 7.3 Personal Guarantee 2.36 0.08 5.34 0.31 496.55 7.4 Collective Guarantee 0.81 7.5 Int. Rtd. Foreign Bank's Guarantee 10.00 7.6 Other Guarantee 8 Credit Card 9 Others 13.26 61.74 4.26 311.64 1.15 165.06 218.93 Total 2425.42 1268.13 1673.39 1478.60 1530.53 1182.32 410.42 5348.46 362.22 3559.13 3930.32 502.51 649.76 716.31 1843.84 1223.81 298.63

58 Statement of Loans and Advances as on Poush end 2068 Rs. in million l Ace Sector wise credit dap City Rara Public diyalo Nilgiri Kabeli Alpine Bishow Garima Country Bhargav Resunga Shangrila Mahakali Kasthaman Professiona 1 Agricultural and Forest Related 26.70 9.01 76.63 2.45 3.54 1.11 5.22 30.20 35.19 43.06 3.48 52.15 21.29 38.94 25.08 4.43 2 Fishery Related 2.62 7.15 3 Mining Related 1.00 2.46 4 Manufacturing (Producing) Related 62.37 5.55 613.33 82.56 19.03 76.56 6.66 277.72 32.97 43.24 18.58 0.17 5 Construction 105.36 22.89 642.41 26.67 158.29 220.85 19.59 13.93 44.86 226.83 197.82 381.71 187.30 7.54 14.84 6 Electricity,Gas and Water 173.13 1.01 0.98 83.54 7 Metal Products, Mach. & Ele. Eqp. 16.84 69.44 14.21 3.61 10.43 29.69 55.19 0.06 8 Tras., Com. and Public Utilities 68.56 14.56 318.67 17.10 227.51 204.40 38.26 0.40 43.19 25.99 201.40 240.41 397.12 14.91 9.28 9 Wholesaler & Retailer 76.45 42.10 651.10 59.61 378.45 112.14 140.53 111.58 246.00 105.83 75.62 419.42 179.15 204.66 44.11 25.46 10 Finance, Insurance and Real Estate 74.59 701.15 111.37 42.92 58.90 78.45 3.15 615.84 80.69 39.29 11 Hotel or Restaurant 7.60 2.99 96.93 5.86 69.90 5.53 6.77 20.54 0.90 195.91 57.41 115.18 5.53 12 Other Services 16.75 153.89 5.61 111.99 6.31 15.00 12.16 152.44 58.15 128.25 890.53 3.87 4.52 13 Consumption Loans 27.51 22.79 104.68 1.23 118.98 2.26 18.09 8.87 114.27 6.95 52.57 3.57 119.68 131.65 412.27 8.04 104.65 14 Local Government 15.16 2.04 1.97 3.58 0.03 15 Others 4.96 54.84 686.78 44.27 508.21 10.94 87.43 41.03 385.44 164.30 148.18 237.14 441.84 27.47 66.19 43.07 14.29 TOTAL 490.31 174.74 4310.44 162.80 1786.00 551.70 282.71 335.23 1004.74 451.31 309.00 2501.69 1429.44 1562.68 1556.28 165.20 183.24 Product wise credit 1 Term Loan 21.59 660.71 56.93 220.54 25.82 21.58 171.95 47.04 287.79 278.75 343.29 321.69 7.65 2 Overdraft 197.40 35.84 1553.17 53.83 257.70 146.06 245.30 372.70 91.15 86.39 1108.61 398.94 247.31 473.69 3 Trust Receipt Loan / Import Loan 4 Demand & Other Working Capital Loan 1.70 47.65 106.95 548.67 125.23 85.54 9.50 262.25 66.25 115.45 16.52 54.13 44.65 5 Res. Per. H. Loan (Up to Rs. 10 mil.) 92.03 22.89 328.24 26.67 140.61 13.51 9.79 57.25 60.62 20.17 187.20 179.91 296.71 161.80 7.54 10.39 6 Real Estate Loan 59.22 942.34 133.91 174.85 21.20 32.69 17.83 3.15 551.11 101.97 39.89 110.15 7 Margin Nature Loan 4.78 129.98 1.98 8.66 0.60 19.27 21.61 8 Hire Purchase Loan 73.91 35.63 305.99 17.10 343.63 203.70 15.90 28.16 99.82 86.51 25.99 144.34 272.64 455.54 209.29 19.17 9.92 9 Deprived Sector Loan 16.68 5.52 119.70 4.30 66.05 19.84 11.30 10.42 29.86 15.96 7.20 76.31 99.48 52.97 66.19 4.22 3.85 10 Bills Purchased 0.60 11 Other Product 23.00 27.21 163.37 3.96 72.92 2.26 10.39 2.20 128.61 6.69 52.80 11.02 81.25 105.36 213.48 80.14 106.77 TOTAL LOAN & ADVANCES 490.31 174.74 4310.44 162.80 1786.00 551.70 282.71 335.23 1004.74 451.31 309.00 2501.69 1429.44 1562.68 1556.28 165.20 183.24 Security wise credit 1 Gold and Silver 8.59 45.51 61.51 53.27 170.43 102.67 2 Government Securities 0.07 3 Non Governmental Securities 135.34 1.98 21.61 4 Fixed Deposit Receipts 10.17 1.72 67.63 1.23 38.90 2.26 2.19 8.66 22.08 6.69 7.06 28.99 14.10 22.49 27.07 2.85 0.61 4.1 Own 10.17 1.72 67.63 1.23 38.90 2.26 2.19 8.66 22.08 6.69 7.06 28.99 14.10 22.49 27.07 2.85 0.61 4.2 Other Licences Institutions 5 Collateral of Properties 475.65 173.02 3988.48 161.57 1679.70 549.44 280.52 324.53 970.80 428.05 256.42 2360.76 1254.40 1437.63 1292.59 162.35 79.96 5.1 Fixed Assets 475.65 173.02 3988.48 161.57 1679.70 549.44 280.52 324.53 970.80 428.05 256.42 2360.76 1254.40 1437.63 1292.59 162.35 79.96 5.2 Current Assets 6 Against security of Bill 0.60 6.1 Domestic Bills 0.60 6.2 Foreign Bills 7 Against Guarantee 118.93 56.83 2.04 11.86 14.00 92.06 99.44 27.67 66.19 7.1 Government Guarantee 15.16 2.04 11.86 4.07 2.69 7.2 Institutional Guarantee 103.27 76.31 7.3 Personal Guarantee 0.50 15.76 5.82 7.4 Collective Guarantee 56.83 14.00 99.44 17.78 63.50 7.5 Int. Rtd. Foreign Bank's Guarantee 7.6 Other Guarantee 8 Credit Card 9 Others 4.49 2.57 19.27 Total 490.31 174.74 4310.44 162.80 1786.00 551.70 282.71 335.23 1004.74 451.31 309.00 2501.69 1429.44 1562.68 1556.28 165.20 183.24

59 Statement of Loans and Advances as on Poush end 2068 Rs. in million

Sector wise credit i IDBL Civic Jyoti Shine Kakre Gulmi Bright Pacific Hamro Kamana Purnima Bagmati Kanchan Corporate Innovative Pathibhara Matribhum 1 Agricultural and Forest Related 37.36 92.18 6.68 17.39 46.35 10.12 6.90 12.33 28.72 32.64 12.49 4.20 4.24 7.79 16.19 13.82 2 Fishery Related 2.26 0.73 3.88 3 Mining Related 12.12 4 Manufacturing (Producing) Related 34.68 191.69 17.20 48.01 185.00 9.33 4.12 76.45 2.25 5.93 26.59 3.40 43.15 60.11 5 Construction 225.85 85.14 76.45 11.78 416.15 26.03 8.60 6.82 103.54 53.43 13.57 33.41 46.65 17.93 23.53 42.62 6 Electricity,Gas and Water 141.54 4.55 0.46 2.30 7 Metal Products, Mach. & Ele. Eqp. 12.42 9.14 50.52 1.84 1.28 14.72 8 Tras., Com. and Public Utilities 191.45 85.01 0.29 63.86 399.83 5.89 117.71 24.68 25.38 32.48 6.23 25.42 67.26 9 Wholesaler & Retailer 127.29 155.00 250.22 108.15 251.44 27.67 86.49 39.98 369.77 75.57 21.71 49.48 111.56 25.94 117.11 54.38 10 Finance, Insurance and Real Estate 71.21 147.54 2.90 30.08 172.25 24.52 119.01 0.62 50.65 7.00 13.75 4.72 11 Hotel or Restaurant 40.84 28.76 2.20 1.44 60.16 2.61 8.84 1.98 1.00 2.17 3.85 2.00 7.20 3.28 12 Other Services 81.83 16.07 13.49 27.15 111.36 3.09 74.08 21.87 0.55 15.35 1.51 7.64 7.66 13 Consumption Loans 88.73 32.96 88.60 8.22 47.60 2.90 27.26 0.67 100.19 13.44 9.80 3.88 2.37 3.09 16.88 20.14 14 Local Government 4.60 15 Others 93.80 106.66 162.20 132.98 745.01 19.27 36.61 70.89 251.16 60.16 14.32 20.73 107.23 29.85 62.75 28.85 TOTAL 1007.72 950.15 620.23 449.07 2643.93 95.30 196.28 140.51 1250.21 288.46 73.44 151.02 400.95 105.19 333.64 323.75 Product wise credit 1 Term Loan 186.76 32.28 349.96 5.89 47.68 70.34 3.90 10.48 17.06 43.90 11.81 44.80 2 Overdraft 297.85 272.87 222.84 62.09 536.61 29.91 165.10 0.40 70.99 27.42 190.47 62.00 3 Trust Receipt Loan / Import Loan 137.07 70.89 2.17 4 Demand & Other Working Capital Loan 209.41 72.47 393.54 63.26 59.99 484.64 82.62 36.15 51.96 39.59 47.78 50.95 5 Res. Per. H. Loan (Up to Rs. 10 mil.) 161.92 53.14 76.45 9.15 256.33 25.48 5.10 73.54 53.43 12.34 28.50 46.15 10.73 13.45 24.48 6 Real Estate Loan 37.62 117.58 2.90 30.08 314.61 6.82 149.01 4.90 50.65 7.00 12.00 14.51 7 Margin Nature Loan 1.45 10.18 113.30 8.53 14.70 15.60 0.50 8 Hire Purchase Loan 218.37 98.48 48.64 66.81 338.51 2.10 24.89 1.79 191.71 37.56 9.60 27.97 32.48 6.59 40.00 82.56 9 Deprived Sector Loan 31.75 23.58 15.56 28.83 96.38 3.66 6.70 8.76 25.23 6.94 3.46 7.94 10.20 2.89 10.18 14.56 10 Bills Purchased 2.50 0.10 11 Other Product 72.00 130.13 181.37 115.05 244.59 0.80 63.80 4.58 82.11 104.02 11.51 2.38 118.24 6.66 7.44 29.90 TOTAL LOAN & ADVANCES 1007.72 950.15 620.23 449.07 2643.93 95.30 196.28 140.51 1250.21 288.46 73.44 151.02 400.95 105.19 333.64 323.75 Security wise credit 1 Gold and Silver 45.23 35.70 2 Government Securities 3 Non Governmental Securities 113.30 0.50 4 Fixed Deposit Receipts 17.42 16.35 4.55 3.63 10.20 0.80 2.37 0.67 17.66 0.56 0.20 2.37 0.94 3.55 2.84 4.1 Own 17.42 16.35 4.55 3.63 10.20 0.80 2.37 0.67 17.66 0.56 0.20 2.37 0.94 1.80 2.84 4.2 Other Licences Institutions 1.75 5 Collateral of Properties 932.75 913.59 579.45 445.45 2455.60 94.50 193.91 139.84 1198.79 287.90 73.24 146.00 382.98 102.99 329.59 320.91 5.1 Fixed Assets 932.75 913.59 579.45 445.45 2424.19 94.50 193.91 139.84 1198.79 287.90 73.24 146.00 382.98 102.99 329.59 320.91 5.2 Current Assets 31.40 6 Against security of Bill 2.50 6.1 Domestic Bills 2.50 6.2 Foreign Bills 7 Against Guarantee 5.87 0.10 62.55 25.23 5.02 1.25 7.1 Government Guarantee 4.60 7.2 Institutional Guarantee 8.81 13.70 7.3 Personal Guarantee 5.87 0.10 48.62 0.77 7.4 Collective Guarantee 0.52 11.53 4.25 1.25 7.5 Int. Rtd. Foreign Bank's Guarantee 7.6 Other Guarantee 8 Credit Card 9 Others 6.45 17.62 0.53 2.28 8.53 15.60 Total 1007.72 950.15 620.23 449.07 2643.93 95.30 196.28 140.51 1250.21 288.46 73.44 151.02 400.95 105.19 333.64 323.75

60 Statement of Loans and Advances as on Poush end 2068 Rs. in million

Sector wise credit Vibor Surya Social Metro Sindhu Sahara NCDBL Cosmos Mission Jhimruk Tourism Manaslu Khadbari Raptiveri Consumer Gaumukhi Mt. Makalu Mt. 1 Agricultural and Forest Related 1.24 3.34 8.14 18.31 10.81 0.57 19.42 35.08 2.11 1.37 1.46 2.22 6.67 3.44 2 Fishery Related 0.08 3 Mining Related 6.99 7.40 4 Manufacturing (Producing) Related 4.71 105.93 1.12 13.13 25.94 11.72 209.72 36.40 0.20 0.14 14.50 4.74 17.14 33.81 0.37 0.40 5 Construction 6.63 88.03 252.67 11.88 11.27 43.20 6.12 196.28 55.76 2.26 0.65 20.32 0.93 35.36 23.24 1.93 19.76 6 Electricity,Gas and Water 18.25 0.60 41.46 0.40 7 Metal Products, Mach. & Ele. Eqp. 12.56 228.19 1.31 12.45 2.34 21.91 2.14 2.99 1.00 19.97 3.78 8 Tras., Com. and Public Utilities 17.81 117.12 231.45 11.19 92.69 0.85 84.18 41.47 7.72 0.89 97.38 4.66 7.24 20.94 9 Wholesaler & Retailer 37.37 163.82 240.55 28.92 61.65 35.41 25.54 300.99 114.83 18.42 1.04 85.68 40.72 82.93 54.78 14.16 28.69 10 Finance, Insurance and Real Estate 53.32 486.01 23.82 7.50 19.75 9.74 11.70 22.00 11 Hotel or Restaurant 2.50 54.52 4.00 10.46 1.30 161.53 5.40 1.04 0.55 4.80 0.61 178.87 20.10 0.38 12 Other Services 0.27 6.00 32.27 1.75 8.10 20.42 3.63 51.70 20.67 0.20 0.15 1.09 1.58 6.08 7.77 13.01 5.21 13 Consumption Loans 31.97 44.33 254.27 9.31 5.01 38.67 6.35 67.14 0.77 4.84 9.00 18.34 0.06 74.91 8.63 6.14 48.76 14 Local Government 15 Others 26.54 25.03 144.31 1.00 3.26 102.09 7.62 198.41 40.14 9.56 26.66 33.14 10.87 114.41 49.81 2.09 17.11 TOTAL 129.12 513.55 2063.55 84.77 153.50 376.94 66.08 1372.47 369.81 49.35 40.45 288.41 63.11 551.68 213.25 44.94 144.69 Product wise credit 1 Term Loan 18.90 27.54 247.28 21.13 79.77 30.42 39.96 153.24 5.87 64.06 0.28 133.93 2.93 20.61 6.87 2 Overdraft 18.94 144.54 487.50 14.47 13.65 100.74 30.08 732.13 120.29 27.34 0.63 75.21 3.84 253.76 75.98 3.90 10.43 3 Trust Receipt Loan / Import Loan 4 Demand & Other Working Capital Loan 25.05 0.34 255.62 36.98 16.38 123.63 1.20 26.90 55.16 4.59 16.67 5 Res. Per. H. Loan (Up to Rs. 10 mil.) 6.63 75.42 8.95 22.73 6.12 140.14 45.93 2.26 0.65 5.36 18.11 1.93 19.76 6 Real Estate Loan 53.32 487.03 9.30 17.69 97.48 6.35 29.52 52.13 7 Margin Nature Loan 6.75 35.77 7.51 74.55 8 Hire Purchase Loan 18.03 148.02 277.50 13.38 3.00 103.59 1.13 190.81 16.91 10.56 0.89 97.38 14.52 16.94 13.38 22.23 9 Deprived Sector Loan 3.06 13.33 57.60 1.78 7.88 11.34 0.93 33.38 10.70 1.32 0.85 2.80 1.49 17.07 10.79 1.19 2.84 10 Bills Purchased 11 Other Product 38.50 51.04 235.33 24.73 31.50 35.37 11.44 7.43 15.18 2.01 10.54 19.44 2.35 0.36 83.91 3.94 65.89 TOTAL LOAN & ADVANCES 129.12 513.55 2063.55 84.77 153.50 376.94 66.08 1372.47 369.81 49.35 40.45 288.41 63.11 551.68 213.25 44.94 144.69 Security wise credit 1 Gold and Silver 28.88 4.81 5.43 4.48 34.65 16.45 47.28 2 Government Securities 3 Non Governmental Securities 6.75 0.29 22.73 7.51 74.55 4 Fixed Deposit Receipts 0.72 9.63 235.33 0.09 1.01 5.43 0.78 4.12 2.52 2.01 0.31 1.89 0.36 0.99 0.19 4.1 Own 0.72 9.63 235.33 0.09 1.01 5.43 0.78 4.12 2.52 2.01 0.31 1.89 0.36 0.99 0.19 4.2 Other Licences Institutions 5 Collateral of Properties 99.52 503.64 1689.46 79.58 150.84 335.85 54.89 1342.60 360.98 47.34 5.34 270.07 63.11 462.77 208.33 44.94 97.22 5.1 Fixed Assets 99.52 503.64 1689.46 79.58 150.84 335.85 54.89 1342.13 360.98 47.34 5.34 270.07 63.11 462.77 208.33 44.94 97.22 5.2 Current Assets 0.48 6 Against security of Bill 6.1 Domestic Bills 6.2 Foreign Bills 7 Against Guarantee 0.28 57.60 1.65 7.50 18.25 6.31 0.17 14.00 7.1 Government Guarantee 5.10 7.2 Institutional Guarantee 52.50 7.50 15.00 0.50 14.00 7.3 Personal Guarantee 0.28 0.48 5.44 7.4 Collective Guarantee 1.65 2.77 7.5 Int. Rtd. Foreign Bank's Guarantee 7.6 Other Guarantee 0.38 0.17 8 Credit Card 9 Others 74.42 5.94 3.93 Total 129.12 513.55 2063.55 84.77 153.50 376.94 66.08 1372.47 369.81 49.35 40.45 288.41 63.11 551.68 213.25 44.94 144.69

61 Statement of Loans and Advances as on Poush end 2068 Rs. in million e hi

Sector wise credit hal AFCL NIDC NIDC Ekata Nepal Nepal Nepal Union Aawas Capital NSMFL Gorkha NHMFL Finance Peoples Peoples National Narayani Narayani Himalaya Samabridd Merchantil Kalinchowk Kathmandu Paschimanc 1 Agricultural and Forest Related 17.62 2.00 1.59 34.80 1.88 80.25 7.11 42.53 16.63 12.61 8.74 9.67 165.26 75.47 2 Fishery Related 0.40 2.00 0.23 3 Mining Related 0.80 2.50 53.81 9.30 2.80 4 Manufacturing (Producing) Related 3.48 7.10 21.69 50.12 181.68 262.54 128.91 85.19 112.30 2.76 104.76 107.43 5 Construction 6.20 4.15 411.70 107.84 86.67 407.51 620.49 1959.63 339.08 2.78 59.92 202.42 265.14 61.25 103.34 208.18 6 Electricity,Gas and Water 28.56 5.90 25.55 1.50 0.38 7 Metal Products, Mach. & Ele. Eqp. 9.31 2.00 16.67 158.67 3.45 64.99 0.08 2.70 10.77 8 Tras., Com. and Public Utilities 5.63 14.66 3.71 57.76 98.00 837.73 6.11 2.41 22.48 10.15 87.01 30.68 137.86 118.81 9 Wholesaler & Retailer 31.95 1.35 225.81 426.50 291.77 462.19 169.02 123.77 6.53 46.55 383.64 14.99 19.54 268.21 125.70 10 Finance, Insurance and Real Estate 1.00 191.88 290.45 378.15 509.72 33.38 89.78 59.32 69.27 388.12 11 Hotel or Restaurant 12.00 38.49 84.70 25.68 228.82 39.94 97.00 10.81 7.50 20.36 34.32 12 Other Services 2.19 9.32 9.35 5.58 107.10 112.44 297.93 2.30 34.16 2.72 26.91 80.21 13 Consumption Loans 3.49 12.00 0.72 39.40 78.66 189.39 92.06 129.69 119.23 38.24 35.23 102.85 103.95 121.76 34.87 74.21 156.74 14 Local Government 33.18 13.60 15 Others 9.59 5.10 3.64 126.63 19.24 1082.67 307.84 912.29 32.44 99.54 22.83 167.21 138.09 316.78 202.82 TOTAL 94.36 64.99 5.95 451.10 675.54 1124.12 2675.84 3505.66 4247.48 788.55 67.02 380.88 721.58 977.82 356.81 1300.70 1511.75 Product wise credit 1 Term Loan 8.77 1.10 330.31 114.70 403.90 474.60 236.00 6.23 85.77 261.23 593.88 357.52 2 Overdraft 6.23 26.49 1.54 712.32 3 Trust Receipt Loan / Import Loan 4 Demand & Other Working Capital Loan 16.22 361.21 204.77 494.28 810.07 99.54 383.64 141.35 152.99 246.23 5 Res. Per. H. Loan (Up to Rs. 10 mil.) 13.33 4.15 350.80 74.69 124.05 340.78 568.01 419.18 26.32 59.92 170.92 144.66 57.36 63.23 162.11 6 Real Estate Loan 44.30 33.15 201.59 275.43 374.93 2086.86 462.04 1.60 33.38 31.50 142.12 76.89 106.39 407.46 7 Margin Nature Loan 44.77 123.90 48.68 9.22 67.22 17.75 76.23 56.60 26.35 4.24 36.39 8 Hire Purchase Loan 6.80 19.25 0.72 3.81 53.72 115.94 906.28 296.84 11.01 22.48 10.15 18.70 108.88 30.68 135.06 118.81 9 Deprived Sector Loan 2.04 0.42 0.59 16.60 18.54 16.68 60.66 81.08 95.92 16.63 1.48 13.60 22.83 24.32 9.83 41.98 30.76 10 Bills Purchased 11 Other Product 40.96 14.68 3.10 39.40 138.26 69.09 1225.37 352.17 94.53 18.82 35.23 2.30 93.99 98.64 2.72 109.68 398.71 TOTAL LOAN & ADVANCES 94.36 64.99 5.95 451.10 675.54 1124.12 2675.84 3505.66 4247.48 788.55 67.02 380.88 721.58 977.82 356.81 1300.70 1511.75 Security wise credit 1 Gold and Silver 7.41 6.56 2 Government Securities 3 Non Governmental Securities 9.22 67.22 17.75 76.23 56.60 26.35 4 Fixed Deposit Receipts 0.21 39.40 28.83 65.49 77.99 61.14 52.01 11.89 35.23 26.62 81.02 30.16 8.52 22.48 122.05 4.1 Own 0.21 39.40 28.83 65.49 77.99 61.14 52.01 11.89 35.23 26.62 81.02 30.16 8.52 22.48 122.05 4.2 Other Licences Institutions 5 Collateral of Properties 94.15 53.68 2.31 411.70 584.33 934.73 2524.15 3396.23 4032.57 758.90 30.44 278.04 617.72 848.05 321.94 1271.64 1304.06 5.1 Fixed Assets 94.15 52.69 0.72 411.70 584.33 934.73 2524.15 3396.23 4032.57 758.90 30.44 278.04 617.72 848.05 321.94 1271.64 1304.06 5.2 Current Assets 0.99 1.59 6 Against security of Bill 6.1 Domestic Bills 6.2 Foreign Bills 7 Against Guarantee 0.42 38.15 95.68 0.08 43.01 0.02 7.1 Government Guarantee 13.15 33.18 3.25 7.2 Institutional Guarantee 0.42 25.00 20.66 7.3 Personal Guarantee 0.08 19.10 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 3.48 3.64 62.38 123.90 73.71 0.92 0.02 1.28 22.83 85.64 Total 94.36 64.99 5.95 451.10 675.54 1124.12 2675.84 3505.66 4247.48 788.55 67.02 380.88 721.58 977.82 356.81 1300.70 1511.75

62 Statement of Loans and Advances as on Poush end 2068 Rs. in million FC Sector wise credit Sri Yeti Alpic Alpic ILFCO United Investa Everest Lalitpur General Lumbini Lumbini Goodwill Standard Universal Samjhana Siddhartha Bhajuratna Bhajuratna Mahalaxmi Investment Progressive 1 Agricultural and Forest Related 36.62 74.10 54.29 5.28 1.91 6.12 7.54 2.25 11.23 2.28 2.84 0.76 5.73 47.05 2 Fishery Related 2.00 0.40 0.67 3 Mining Related 42.00 1.33 6.40 6.40 3.95 0.00 4 Manufacturing (Producing) Related 144.36 119.90 197.75 159.79 147.06 686.74 291.02 138.15 4.77 22.05 28.42 25.72 124.82 5 Construction 211.81 369.81 112.01 193.80 275.68 3.66 59.73 130.21 76.42 554.59 91.35 36.24 810.98 177.11 12.67 118.14 6 Electricity,Gas and Water 1.45 108.50 2.48 7 Metal Products, Mach. & Ele. Eqp. 0.02 47.64 1.32 10.35 4.40 4.47 166.76 9.36 304.49 0.50 7.28 8 Tras., Com. and Public Utilities 16.63 103.53 96.76 43.59 173.94 34.43 53.81 582.19 954.03 188.73 29.42 15.74 52.25 38.51 9 Wholesaler & Retailer 145.54 548.76 386.58 234.72 267.50 197.08 286.67 169.65 306.34 524.93 32.13 15.25 360.54 5.21 48.40 10 Finance, Insurance and Real Estate 137.24 88.47 116.26 71.54 237.72 338.32 34.30 749.99 89.39 69.47 126.71 11 Hotel or Restaurant 131.87 56.51 182.74 33.30 265.55 11.90 71.29 0.58 9.56 12 Other Services 70.61 33.60 16.73 193.41 159.71 39.81 105.77 614.31 33.51 202.35 0.61 30.59 6.48 44.94 13 Consumption Loans 36.30 75.79 44.10 72.65 50.71 0.88 142.12 47.48 58.64 68.21 167.95 9.70 923.86 20.12 32.28 20.10 14 Local Government 4.02 15 Others 45.27 38.85 133.83 0.15 145.66 0.37 169.69 320.99 123.32 432.96 132.63 18.58 71.35 331.67 30.90 131.59 TOTAL 1019.71 1292.08 909.90 1136.66 1548.95 41.25 924.67 2785.81 2813.01 1855.47 1873.15 133.13 2256.55 949.21 241.79 724.27 Product wise credit 1 Term Loan 536.59 429.64 264.55 58.92 457.44 833.20 268.82 524.93 39.18 0.97 18.98 2 Overdraft 3 Trust Receipt Loan / Import Loan 4 Demand & Other Working Capital Loan 498.65 360.29 827.32 560.76 772.36 270.05 485.47 3.95 57.26 39.05 294.77 5 Res. Per. H. Loan (Up to Rs. 10 mil.) 306.08 78.86 149.17 69.61 29.02 89.11 48.10 242.82 91.35 582.93 14.31 65.58 6 Real Estate Loan 345.79 319.97 33.15 131.87 311.85 71.54 340.79 590.12 381.48 749.99 36.24 76.04 177.11 27.25 169.11 7 Margin Nature Loan 12.04 38.85 11.48 49.09 4.24 13.11 134.16 29.53 76.48 33.86 8.16 88.75 13.28 25.29 5.52 8 Hire Purchase Loan 18.49 120.81 96.76 37.51 122.36 118.08 180.91 937.67 194.95 37.27 29.42 974.95 22.57 52.25 49.18 9 Deprived Sector Loan 25.47 43.13 21.76 27.38 25.00 22.98 66.68 46.25 46.85 39.91 4.67 57.83 10.44 7.32 37.35 10 Bills Purchased 4.40 11 Other Product 81.33 33.60 169.25 116.80 188.56 50.24 739.96 58.09 158.59 391.88 15.45 417.82 725.81 57.33 102.75 TOTAL LOAN & ADVANCES 1019.71 1292.08 909.90 1136.66 1548.95 924.67 2785.81 2813.01 1855.47 1873.15 133.13 2256.55 949.21 241.79 724.27 Security wise credit 1 Gold and Silver 2 Government Securities 3 Non Governmental Securities 49.09 140.92 29.53 33.86 12.89 0.39 13.28 25.29 4 Fixed Deposit Receipts 20.76 75.79 44.10 23.56 47.16 47.51 418.87 58.24 68.21 96.82 9.70 120.90 20.12 7.00 8.93 4.1 Own 20.76 75.79 44.10 23.56 47.16 47.51 410.47 58.20 68.21 96.82 9.70 120.90 20.12 7.00 8.93 4.2 Other Licences Institutions 8.40 0.04 5 Collateral of Properties 966.25 1129.81 865.80 1063.81 1456.61 40.89 864.04 2173.70 2664.32 1680.16 1407.50 110.53 1987.41 915.81 163.47 702.45 5.1 Fixed Assets 966.25 1129.81 865.80 1063.81 1456.61 38.98 864.04 2173.70 2664.32 1653.28 878.61 110.53 1987.41 915.81 163.47 702.45 5.2 Current Assets 1.91 26.88 528.88 6 Against security of Bill 6.1 Domestic Bills 6.2 Foreign Bills 7 Against Guarantee 22.70 47.64 0.20 25.00 50.61 29.80 0.28 55.07 19.95 7.37 7.1 Government Guarantee 9.97 15.25 4.02 7.2 Institutional Guarantee 25.00 50.61 14.00 0.02 53.80 3.97 7.3 Personal Guarantee 0.83 0.20 0.55 0.26 1.27 15.98 3.35 7.4 Collective Guarantee 7.5 Int. Rtd. Foreign Bank's Guarantee 7.6 Other Guarantee 11.89 47.64 8 Credit Card 9 Others 10.00 38.85 20.18 0.37 13.11 1.72 31.12 106.82 334.98 92.79 26.09 5.52 Total 1019.71 1292.08 909.90 1136.66 1548.95 41.25 924.67 2785.81 2813.01 1855.47 1873.15 133.13 2256.55 949.21 241.79 724.27

63 Statement of Loans and Advances as on Poush end 2068 Rs. in million i se

Sector wise credit Om CMB Arun Royal Royal Patan Janaki Srijana Crystal Butwal Central WMBFL Premier CMBFCL Pokhara Navadurga Guheshwor Multipurpo 1 Agricultural and Forest Related 40.97 5.66 32.52 19.40 21.12 19.92 0.51 12.81 0.29 390.31 8.58 0.49 7.49 2 Fishery Related 0.80 0.15 3 Mining Related 0.35 12.12 31.13 0.30 29.48 4 Manufacturing (Producing) Related 228.36 66.55 125.45 129.45 159.08 4.15 92.04 70.48 12.31 59.67 981.68 262.95 18.50 26.49 5 Construction 18.52 149.43 83.37 121.66 144.76 48.79 21.29 56.29 20.04 247.57 73.26 58.10 22.95 474.08 156.49 224.45 84.61 6 Electricity,Gas and Water 2.00 16.14 2.20 0.95 7 Metal Products, Mach. & Ele. Eqp. 5.34 4.35 50.73 12.32 33.72 0.65 12.06 16.21 3.69 0.50 8 Tras., Com. and Public Utilities 7.07 69.39 70.25 134.68 204.50 198.08 62.37 43.57 24.76 54.02 33.56 9 Wholesaler & Retailer 252.23 227.67 424.36 723.47 94.89 50.00 22.45 158.81 68.56 551.61 3.84 83.39 197.61 132.37 0.82 12.03 10 Finance, Insurance and Real Estate 124.47 36.06 205.84 248.85 162.30 230.85 222.27 7.50 271.83 13.43 411.05 92.67 27.95 11 Hotel or Restaurant 62.85 19.94 68.64 4.40 20.75 22.60 12.99 59.98 7.73 100.60 17.70 1.73 0.41 12 Other Services 24.05 67.05 66.82 37.62 0.72 0.13 13.85 188.42 12.24 10.16 23.00 36.92 6.78 2.64 15.45 12.80 13 Consumption Loans 34.71 51.08 10.75 97.06 28.07 10.43 19.86 68.70 10.57 224.67 37.09 51.23 277.66 33.16 49.34 109.36 83.89 14 Local Government 1.52 2.18 127.90 1.37 15 Others 17.35 36.13 274.49 31.37 47.79 2.84 73.68 56.07 547.56 196.91 264.95 991.23 456.60 587.10 208.50 103.71 TOTAL 819.80 656.10 1334.76 1468.47 984.65 211.45 105.56 1175.40 167.98 2145.19 416.92 877.82 3020.31 963.84 1727.92 709.21 359.87 Product wise credit 1 Term Loan 1.50 294.22 210.06 10.62 57.11 55.22 497.95 68.56 832.30 17.59 189.82 1468.83 690.27 68.71 156.16 2 Overdraft 3 Trust Receipt Loan / Import Loan 4 Demand & Other Working Capital Loan 650.27 618.45 941.25 417.62 86.51 109.15 87.25 133.19 306.07 40.26 510.54 69.57 5 Res. Per. H. Loan (Up to Rs. 10 mil.) 12.99 149.43 124.46 183.39 36.29 21.29 112.84 48.14 74.88 0.67 13.06 92.00 166.83 46.66 6 Real Estate Loan 111.24 36.06 288.94 248.85 214.92 12.50 230.85 20.04 310.49 17.50 271.83 770.45 207.27 421.46 138.84 30.75 7 Margin Nature Loan 18.01 41.67 18.70 9.70 31.67 4.05 17.25 12.43 14.65 37.00 36.61 60.75 8 Hire Purchase Loan 5.50 8.46 69.39 70.25 45.39 7.46 8.21 124.16 5.45 191.93 25.79 56.42 46.09 8.92 46.66 19.66 6.54 9 Deprived Sector Loan 20.28 15.64 31.02 31.37 24.66 4.36 2.84 34.88 4.79 53.14 12.82 11.59 12.00 17.12 40.88 18.27 5.15 10 Bills Purchased 3.80 11 Other Product 152.29 116.90 22.86 54.64 18.00 33.91 69.14 705.15 163.84 201.87 389.18 510.67 172.83 136.65 TOTAL LOAN & ADVANCES 819.80 656.10 1334.76 1468.47 984.65 211.45 105.56 1175.40 167.98 2145.19 416.92 877.82 3020.31 963.84 1727.92 709.21 359.87 Security wise credit 1 Gold and Silver 138.29 3.95 2 Government Securities 3.11 3 Non Governmental Securities 18.01 41.67 18.70 4.05 12.24 14.65 37.00 62.75 4 Fixed Deposit Receipts 16.70 39.62 10.75 55.39 5.16 2.95 11.65 68.70 5.12 65.05 22.42 26.51 237.06 21.14 12.34 53.09 17.58 4.1 Own 16.70 39.62 10.75 55.39 5.16 2.95 11.65 68.70 5.12 65.05 22.42 26.51 237.06 21.14 12.34 53.09 17.58 4.2 Other Licences Institutions 5 Collateral of Properties 773.70 611.29 1324.01 1371.41 943.95 160.72 93.91 1106.71 25.49 1937.79 364.33 798.47 2755.65 934.53 1625.89 612.30 265.47 5.1 Fixed Assets 773.70 611.29 1324.01 1371.41 943.95 160.72 93.91 1106.71 25.49 1937.79 364.33 798.47 2755.65 934.53 1625.89 612.30 265.44 5.2 Current Assets 0.03 6 Against security of Bill 6.1 Domestic Bills 6.2 Foreign Bills 7 Against Guarantee 16.83 0.11 21.93 12.00 42.46 5.97 7.1 Government Guarantee 2.00 7.2 Institutional Guarantee 14.00 0.11 8.86 12.00 38.64 2.51 7.3 Personal Guarantee 0.83 13.07 3.82 3.46 7.4 Collective Guarantee 7.5 Int. Rtd. Foreign Bank's Guarantee 7.6 Other Guarantee 8 Credit Card 9 Others 11.38 5.19 47.79 137.37 30.07 18.67 0.95 5.07 10.22 43.82 4.15 Total 819.79 656.10 1334.76 1468.47 984.65 211.45 105.56 1175.40 167.98 2145.19 416.92 877.82 3020.31 963.84 1727.92 709.21 359.87

64 Statement of Loans and Advances as on Poush end 2068 Rs. in million a

Sector wise credit Seti IME Civil ICFC Lord NEFL Fewa hama Kuber Kuber Valley Prabhu Everest Shikhar reliable Buddha Imperial Prudential Sagarmath 1 Agricultural and Forest Related 17.98 5.83 12.87 5.89 48.73 67.66 27.10 104.97 1.10 3.48 0.72 5.67 0.84 2 Fishery Related 2.20 1.57 3 Mining Related 2.00 6.50 4.98 4 Manufacturing (Producing) Related 99.84 7.61 40.94 257.28 261.30 41.99 58.98 208.56 67.05 24.50 32.17 16.32 31.08 5 Construction 358.95 58.40 31.60 153.17 398.98 63.71 21.79 11.94 282.39 53.99 75.40 38.03 52.17 4.43 4.59 221.10 56.76 6 Electricity,Gas and Water 6.77 1.50 13.80 42.10 7 Metal Products, Mach. & Ele. Eqp. 23.32 0.05 72.97 33.30 20.68 7.99 7.21 9.50 5.38 6.82 8 Tras., Com. and Public Utilities 484.90 129.07 40.15 20.91 56.78 188.10 7.18 234.82 187.14 50.36 13.34 77.10 47.96 76.77 60.75 9 Wholesaler & Retailer 362.81 0.82 128.96 409.54 561.26 105.64 107.96 1.00 325.94 119.12 112.54 41.40 246.56 72.42 9.89 298.64 61.58 10 Finance, Insurance and Real Estate 13.31 0.54 177.88 627.21 562.85 91.83 185.67 110.08 955.97 92.14 360.40 38.35 54.42 125.29 38.36 20.40 11 Hotel or Restaurant 98.99 37.71 155.49 232.16 6.86 1.30 350.44 3.35 6.69 2.10 23.07 12 Other Services 65.97 0.02 76.61 63.11 214.24 50.29 12.30 2.31 187.46 10.50 83.19 10.90 0.90 8.67 75.93 28.55 0.25 13 Consumption Loans 52.21 15.45 85.88 115.51 190.16 78.51 22.96 12.58 323.52 26.63 78.48 16.41 111.95 5.71 4.72 96.44 11.78 14 Local Government 1.30 15 Others 315.18 45.85 394.75 578.54 1245.14 348.34 195.42 83.55 988.97 190.98 307.85 188.98 345.74 27.79 168.53 496.89 134.59 TOTAL 1895.67 265.22 1100.32 2421.95 3799.05 1052.41 640.66 456.27 3936.37 626.79 1065.14 460.19 812.47 141.01 445.83 1256.76 443.20 Product wise credit 1 Term Loan 102.46 42.21 746.17 0.87 151.69 23.26 0.04 38.77 19.05 212.37 316.03 1.69 25.96 2.00 16.28 2 Overdraft 3 Trust Receipt Loan / Import Loan 4 Demand & Other Working Capital Loan 605.84 1483.57 1263.45 247.85 225.04 294.16 1622.26 355.75 264.97 46.20 234.90 109.76 216.36 234.21 163.63 5 Res. Per. H. Loan (Up to Rs. 10 mil.) 115.48 6.03 105.44 205.96 63.51 8.02 16.44 76.93 37.99 66.99 36.99 42.48 4.43 79.60 30.71 6 Real Estate Loan 193.54 58.40 163.96 500.34 694.28 86.58 199.44 110.11 743.24 93.95 211.03 56.07 64.12 117.28 144.93 30.95 7 Margin Nature Loan 64.21 130.97 101.67 82.65 6.79 10.77 75.66 46.41 21.77 4.10 22.97 11.08 71.46 26.08 8 Hire Purchase Loan 474.76 129.07 52.01 72.52 65.72 190.69 16.75 12.92 389.19 54.32 38.54 83.15 27.43 4.03 56.96 93.08 60.75 9 Deprived Sector Loan 48.07 35.53 31.19 55.73 94.19 28.94 12.83 9.53 101.57 14.19 5.33 11.93 19.12 3.59 12.60 45.80 9.76 10 Bills Purchased 1.50 19.98 2.60 11 Other Product 355.53 35.25 72.52 1222.11 328.93 171.78 2.31 868.77 24.18 434.85 9.37 85.42 17.51 5.58 585.68 105.03 TOTAL LOAN & ADVANCES 1895.67 265.22 1100.32 2421.95 3799.05 1052.41 640.66 456.27 3936.37 626.79 1065.14 460.19 812.47 141.01 445.83 1256.76 443.20 Security wise credit 1 Gold and Silver 4.98 77.43 2 Government Securities 1.15 4.85 3 Non Governmental Securities 64.21 84.15 6.70 19.12 4.10 26.08 4 Fixed Deposit Receipts 36.30 21.93 12.72 59.39 37.82 23.73 6.60 8.28 30.14 24.07 31.67 6.26 7.08 3.14 4.72 8.67 13.70 4.1 Own 36.30 21.93 12.72 59.39 37.82 23.73 6.60 8.28 30.14 24.07 31.67 6.26 7.08 3.14 4.72 8.67 13.70 4.2 Other Licences Institutions 5 Collateral of Properties 1859.37 243.02 991.96 2164.13 3726.23 930.15 616.43 407.92 3503.33 542.12 1001.67 440.03 727.96 137.87 401.82 675.31 393.66 5.1 Fixed Assets 1859.37 243.02 991.96 2164.13 3726.23 930.15 616.43 407.92 3503.33 542.12 1001.57 440.03 727.96 137.87 401.82 675.31 393.66 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 32.43 35.00 9.20 2.19 26.62 199.26 4.45 28.21 9.76 7.1 Government Guarantee 0.26 7.2 Institutional Guarantee 5.00 35.00 7.20 30.72 0.81 12.60 9.50 7.3 Personal Guarantee 0.24 27.06 2.00 2.19 19.74 162.10 3.64 15.61 7.4 Collective Guarantee 0.37 6.45 7.5 Int. Rtd. Foreign Bank's Guarantee 7.6 Other Guarantee 6.89 8 Credit Card 9 Others 0.27 31.19 164.86 0.34 8.65 13.45 198.66 60.60 8.23 9.80 11.08 572.77 Total 1895.67 265.22 1100.32 2421.95 3799.05 1052.41 640.66 456.27 3936.37 626.79 1065.14 460.19 812.47 141.01 445.83 1256.76 443.20

65 Statement of Loans and Advances as on Poush end 2068 Rs. in million e an

Sector wise credit Api Kaski Jebils Lotus Zenith Unique Swastik Baibhav Reliance Namaste Bhaktapur Manjushre Suryadarsh Subhalaxmi 1 Agricultural and Forest Related 0.34 1.99 24.00 14.88 7.50 12.15 2.99 7.44 2.00 0.14 3.10 2 Fishery Related 0.72 3 Mining Related 4.00 0.50 4 Manufacturing (Producing) Related 12.51 0.70 51.90 10.70 77.85 23.96 34.54 22.39 3.10 29.11 13.09 0.15 14.18 5 Construction 122.86 62.62 12.60 192.80 84.60 53.37 36.52 79.44 36.75 26.10 135.25 11.40 1.20 17.96 6 Electricity,Gas and Water 7 Metal Products, Mach. & Ele. Eqp. 2.00 1.70 9.67 31.87 17.21 8 Tras., Com. and Public Utilities 134.23 3.14 241.14 28.18 19.18 93.40 50.11 56.26 17.68 178.11 2.99 9 Wholesaler & Retailer 43.84 169.62 8.38 204.02 23.79 65.85 49.18 81.57 52.29 70.86 64.01 68.88 18.50 37.89 10 Finance, Insurance and Real Estate 1.03 43.64 49.99 117.01 9.70 72.14 8.85 9.69 23.03 5.30 6.40 11 Hotel or Restaurant 0.73 3.30 4.00 32.61 14.80 10.92 6.49 4.92 2.50 0.80 12 Other Services 60.17 7.68 1.18 2.44 82.41 22.23 0.81 31.16 34.49 1.97 2.95 20.20 10.95 1.10 13 Consumption Loans 34.24 25.53 2.13 10.66 51.02 86.68 14.58 7.36 67.35 49.51 24.28 103.10 5.00 4.25 14 Local Government 1.40 15 Others 9.22 106.90 33.11 231.87 86.54 238.46 193.38 227.87 191.95 95.39 110.22 46.10 39.33 12.58 TOTAL 270.33 519.42 67.72 1005.77 426.93 739.71 429.04 642.99 484.24 288.23 589.08 273.07 84.17 91.86 Product wise credit 1 Term Loan 13.56 9.51 115.99 47.80 14.82 1.49 23.36 7.00 2 Overdraft 3 Trust Receipt Loan / Import Loan 4 Demand & Other Working Capital Loan 57.03 271.49 246.41 88.32 185.51 124.28 357.66 187.07 85.00 83.47 24.60 59.87 5 Res. Per. H. Loan (Up to Rs. 10 mil.) 28.08 51.90 12.54 169.82 58.19 28.59 44.16 17.05 25.91 134.08 11.78 6 Real Estate Loan 17.64 10.72 1.03 66.62 64.77 121.54 94.57 102.43 62.91 5.69 11.38 11.40 6.40 7 Margin Nature Loan 28.50 33.24 66.16 9.45 53.01 46.18 31.01 8.18 11.94 2.80 8 Hire Purchase Loan 56.40 141.40 3.30 241.14 50.05 28.09 65.80 45.61 60.14 27.83 197.15 90.10 1.88 8.70 9 Deprived Sector Loan 6.40 14.17 2.08 24.00 10.61 15.61 9.99 16.60 11.96 6.84 22.33 8.15 0.29 10 Bills Purchased 11 Other Product 76.27 29.74 35.22 248.27 5.75 275.00 96.36 8.71 98.94 104.47 215.96 44.66 48.19 4.51 TOTAL LOAN & ADVANCES 270.33 519.42 67.72 1005.77 426.93 739.71 429.04 642.99 484.24 288.23 589.08 273.07 84.17 91.86 Security wise credit 1 Gold and Silver 1.09 2 Government Securities 3 Non Governmental Securities 24.70 33.24 66.16 4 Fixed Deposit Receipts 5.74 17.27 0.99 10.66 5.75 12.86 14.96 8.09 31.65 5.76 0.41 1.70 0.32 0.41 4.1 Own 5.74 17.27 0.99 10.66 5.75 12.86 14.96 8.09 31.65 5.76 0.41 1.70 0.32 0.41 4.2 Other Licences Institutions 5 Collateral of Properties 234.07 501.06 66.63 985.68 376.57 651.29 387.92 551.24 406.41 237.22 552.70 249.38 80.76 91.35 5.1 Fixed Assets 234.07 501.06 66.63 985.68 376.57 651.29 387.92 544.04 406.41 237.22 552.70 249.38 80.76 91.35 5.2 Current Assets 7.20 6 Against security of Bill 6.1 Domestic Bills 6.2 Foreign Bills 7 Against Guarantee 1.00 9.43 6.36 9.40 14.14 21.95 18.44 0.10 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 1.00 9.30 3.89 1.50 0.10 7.4 Collective Guarantee 7.83 0.84 7.5 Int. Rtd. Foreign Bank's Guarantee 7.6 Other Guarantee 11.64 8 Credit Card 9 Others 4.82 0.10 5.00 26.15 83.66 46.18 31.11 14.03 3.55 3.09 Total 270.33 519.42 67.72 1005.77 426.93 739.71 429.04 642.99 484.24 288.23 589.08 273.07 84.17 91.86

66 Major Financial Indicators of Micro-credit Development Banks Rs in million Mid July Mid-Dec Mid-Jan Percentage changes Liabilities 2009 2010 2011 2011 2012 ColumnColum Column Column 12345 2/1 3/2 4/3 5/4 1 CAPITAL FUND 1,939.8 2,174.7 2,408.8 3,359.4 2,231.0 12.1 10.8 39.5 (33.6) a. Paid-up Capital 1,098.9 1,272.7 1,546.3 1,266.9 1,121.4 15.8 21.5 (18.1) (11.5) b. Statutory Reserves 148.2 162.9 245.6 241.1 204.2 10.0 50.7 (1.8) (15.3) c. Retained Earning 85.9 125.2 (25.6) 323.7 300.0 45.8 (120.4) (1365.9) (7.3) d. Others Reserves 606.9 613.8 642.5 1,527.7 605.3 1.1 4.7 137.8 (60.4) 2 BORROWINGS 8,972.9 10,753.8 13,037.6 10,860.8 10,635.7 19.8 21.2 (16.7) (2.1) a. NRB 164.0 210.4 200.9 68.7 64.3 28.3 (4.5) (65.8) (6.4) b. "A"Class Licensed Institution 5,372.8 7,700.0 6,806.6 6,332.1 6,126.5 43.3 (11.6) (7.0) (3.2) c. Foreign Banks and Fin. Ins. 1,523.7 1,713.9 1,680.0 1,680.0 1,680.0 12.5 (2.0) (0.0) 0.0 d. Other Financial Ins. 1,912.5 1,129.5 4,350.2 2,780.0 2,765.0 (40.9) 285.1 (36.1) (0.5) e. Bonds and Securities 3 DEPOSITS 2,000.6 2,574.3 3,537.4 3,422.2 2,676.9 28.7 37.4 (3.3) (21.8) a. Current 2.7 0.9 54.7 67.5 (67.2) 6043.8 23.5 b. Savings 1,219.1 1,517.0 3,535.9 3,240.1 2,487.6 24.4 133.1 (8.4) (23.2) c. Fixed 5.7 9.1 3.6 5.2 61.3 (100.0) 46.3 d. Call Deposits 0.3 (100.0) e. Others 775.6 1,045.5 0.6 123.8 116.5 34.8 (99.9) 22156.7 (5.9) 4 Bills Payable 79.8 (100.0) 5 Other Liabilities 2,135.5 1,415.5 1,818.6 1,564.2 1,196.5 (33.7) 28.5 (14.0) (23.5) 1. Loan Loss Provision 362.4 388.8 436.3 306.6 273.9 7.3 12.2 (29.7) (10.6) 2. Interest Suspense a/c 159.5 275.4 354.0 164.6 124.6 72.7 28.5 (53.5) (24.3) 3. Others 1,613.6 751.3 1,028.4 1,093.0 797.9 (53.4) 36.9 6.3 (27.0) 6 Reconcillation A/c 117.0 1,726.4 223.2 2,052.5 2,034.4 1375.4 (87.1) 819.6 (0.9) 7 Profit & Loss A/c 193.1 277.4 470.7 245.6 261.1 43.6 69.7 (47.8) 6.3 Total 15,438.8 18,922.1 21,496.4 21,504.7 19,035.5 22.6 13.6 0.0 (11.5) Assets 1 LIQUID FUNDS 2,855.1 2,172.8 3,272.2 2,989.8 3,449.1 (23.9) 50.6 (8.6) 15.4 a. Cash Balance 50.7 24.9 31.8 18.8 12.3 (50.8) 27.5 (40.7) (34.9) Nepalese Notes & Coins 50.7 24.9 31.8 18.8 12.3 (50.8) 27.5 (40.7) (34.9) Foreign Currency b. Bank Balance 2,539.1 1,691.9 2,632.4 2,178.3 2,635.1 (33.4) 55.6 (17.2) 21.0 1. In Nepal Rastra Bank 80.9 93.5 71.1 68.0 362.1 15.6 (24.0) (4.3) 432.4 2. "A"Class Licensed Institution 2,002.3 1,081.8 1,885.0 1,552.3 1,768.2 (46.0) 74.3 (17.7) 13.9 3. Other Financial Ins. 456.0 516.6 676.3 558.0 504.8 13.3 30.9 (17.5) (9.5) 4. In Foreign banks c. Money at Call 265.2 456.0 608.1 792.6 801.7 71.9 33.4 30.3 1.1 2 INVESTMENTS 66.2 111.2 164.7 51.2 51.2 68.0 48.1 (68.9) a. Govt.Securities 51.2 111.2 51.2 51.2 51.2 117.1 (53.9) b Others 15.0 113.5 (100.0) (100.0) 3 SHARE & OTHER INVESTMEN 2,002.0 2,424.6 1,560.5 1,554.9 1,424.8 21.1 (35.6) (0.4) (8.4) 4 LOANS & ADVANCES 8,222.8 11,117.0 14,649.9 12,952.7 11,033.7 35.2 31.8 (11.6) (14.8) a. Private Sector 1,500.1 8,464.0 5,284.3 3,371.1 (100.0) (37.6) (36.2) b. Financial Institutions 257.1 6,185.9 7,668.4 7,662.6 (100.0) 24.0 (0.1) c. Government Organizations 6,465.5 11,117.0 71.9 (100.0) 5 BILL PURCHED 6 LOANS AGT. COLLECTED BILLS 7 FIXED ASSETS 183.0 225.5 259.3 241.1 243.7 23.2 15.0 (7.0) 1.1 8 OTHER ASSETS 1,723.4 907.8 1,253.2 927.6 643.6 (47.3) 38.0 (26.0) (30.6) a. Accrued Interests 189.5 313.7 359.1 209.9 144.0 65.5 14.5 (41.5) (31.4) b. Others 1,533.8 594.1 894.1 717.7 499.6 (61.3) 50.5 (19.7) (30.4) 9Expenses not Written off 5.7 1.5 1.1 1.1 1.0 (73.4) (28.8) 0.1 (10.9) 10 Non Banking Assets 143.6 143.6 11 Reconcillation Account 101.2 1,712.1 253.0 2,633.1 2,029.2 1591.0 (85.2) 940.7 (22.9) 12 Profit & Loss A/c 279.4 249.7 82.5 9.6 15.8 (10.6) (67.0) (88.3) 64.0 USES OF FUNDS 15,438.8 18,922.2 21,496.4 21,504.6 19,035.5 22.6 13.6 0.0 (11.5)

67 Statement of Assets and Liabilities of Micro‐credit Development Banks as on Poush end, 2068

Rs. in million

Liabilities an MGBB RMDC SPGBB PAGBB PUGBB MPGBB MPGBB Summit Summit NERUDE DIPROSC CHHIMEK NIRDHAN NIRDHAN Sanakisan Sworojgar Swabalamb Naya Nepal Nepal Naya 1 CAPITAL FUND 59.91 285.06 883.14 158.52 207.47 398.32 74.86 13.03 20.85 11.53 a. Paid‐up Capital 58.50 192.46 320.00 106.14 126.02 128.79 40.00 14.00 17.50 10.99 b. Calls in Advance c. General Reserves 1.41 32.56 75.13 25.77 39.70 14.84 12.48 ‐0.97 0.80 0.22 d. Share Premium 0.51 3.04 1.38 e. Retained Earning 6.06 178.99 21.23 39.81 39.77 2.91 2.42 0.31 f. Others Reserves Fund 53.48 309.02 2.34 0.56 214.93 19.47 0.14 g. Exchange Fluctuation Fund 0.00 2 BORROWINGS 186.26 1847.62 2415.96 1067.83 1281.32 2387.80 430.03 84.65 64.77 98.16 a. NRB 16.45 3.62 12.18 13.70 18.34 b. "A"Class Licensed Institution 169.81 1844.00 524.88 863.48 914.94 1159.13 242.47 11.50 23.15 23.67 c. Foreign Banks and Fin. Ins. 1679.95 d. Other Financial Ins. 211.13 192.17 352.69 1210.33 187.56 73.15 41.62 74.49 e. Bonds and Securities 3 DEPOSITS 52.15 775.90 281.68 1216.31 252.53 18.84 32.63 28.75 a. Current 67.55 Domestic 67.55 Foreign b. Savings 51.36 773.67 126.37 1214.08 252.53 18.84 32.63 Domestic 51.36 773.67 126.37 1214.08 252.53 18.84 32.63 Foreign c. Fixed 0.79 2.23 2.22 Domestic 0.79 2.23 2.22 Foreign d. Call Deposits e. Others 87.77 28.75 4 Bills Payable 5 Other Liabilities 185.64 225.73 169.60 88.07 150.56 270.44 61.42 3.32 5.32 6.13 1. Sundry Creditors 1.51 14.80 5.48 64.61 13.18 48.65 0.68 0.34 0.12 0.14 2. Loan Loss Provision 24.46 52.91 81.66 16.44 20.54 58.71 9.73 2.02 0.34 1.30 3. Interest Suspense a/c 101.57 16.07 0.00 4.50 1.02 1.44 0.04 4. Others 58.10 141.95 82.46 2.52 116.84 162.06 49.57 0.96 4.86 4.65 6 Reconcillation A/c 119.10 0.00 1478.81 351.60 81.53 7 Profit & Loss A/c 33.53 80.78 39.81 53.15 27.09 16.15 1.90 2.76 ‐0.58 TOTAL LIABILITIES 603.05 3167.84 3549.48 1635.90 4387.62 3083.65 1186.60 121.74 207.86 143.99 Assets 1 LIQUID FUNDS 5.76 544.45 348.49 438.63 755.38 637.45 112.14 46.02 8.62 35.65 a. Cash Balance 2.39 2.77 0.01 1.32 1.23 0.60 1.55 0.02 1.04 0.13 Nepalese Notes & Coins 2.39 2.77 0.01 1.32 1.23 0.60 1.55 0.02 1.04 0.13 Foreign Currency b. Bank Balance 3.36 35.66 348.48 185.98 754.16 636.85 110.59 2.25 6.97 35.51 1. In Nepal Rastra Bank 0.57 15.47 26.22 12.00 4.30 0.80 Domestic Currency 0.57 15.47 16.27 12.00 4.30 0.80 Foreign Currency 9.95 2. "A"Class Licensed Institution 20.20 253.26 163.85 631.36 606.24 53.76 0.83 3.31 3.58 Domestic Currency 20.20 253.25 163.85 631.36 606.24 53.76 0.83 3.31 3.58 Foreign Currency 0.00 3. Other Financial Ins. 2.80 69.00 22.13 122.80 18.61 52.52 0.63 3.65 31.93 4. In Foreign Banks c. Money at Call 506.02 251.33 43.75 0.61 Domestic Currency 506.02 251.33 43.75 0.61 Foreign Currency 2 INVESTMENT IN SECURITIES 38.73 12.50 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 20.80 78.90 1085.63 5.00 13.84 136.54 70.00 14.00 a. Non Residents b. Others 20.80 78.90 1085.63 5.00 13.84 136.54 70.00 14.00 4 LOANS & ADVANCES 156.10 2242.79 2041.55 1117.17 1910.02 2264.34 627.10 59.58 114.34 103.01 a. Private Sector 156.10 2242.79 627.10 59.58 114.34 103.01 b. Financial Institutions 2041.55 1117.17 1910.02 2264.34 c. Government Organizations 5 BILL PURCHASED a. Domestic Bills Purchased b. Foreign Bills Purchased c. Import Bills & Imports 6 LOANS AGAINST COLLECTED BILLS a. Against Domestic Bills b. Against Foreign Bills 7 FIXED ASSETS 1.93 105.61 2.41 12.75 85.66 10.91 10.00 0.88 1.70 2.45 8 OTHER ASSETS 144.68 160.00 58.91 62.35 143.92 34.40 15.64 0.88 1.50 2.88 a. Accrued Interest: 102.58 16.15 8.59 4.50 0.31 1.02 1.44 0.04 b. Staff Loans / Adv. 39.92 91.88 5.90 45.94 105.62 1.27 5.38 0.13 0.05 1.83 c. Sundry Debtors 0.34 17.15 0.38 3.16 22.19 15.43 0.32 0.13 0.04 d. Cash In Transit 1.31 0.00 e. Others 0.53 34.81 44.04 8.74 15.79 16.69 8.49 0.63 1.45 0.96 9 Expenses not Written off 0.08 0.13 0.16 10 Non Banking Assets 143.59 11 Reconcillation Account 116.46 ‐2.71 1478.81 0.01 351.72 81.53 12 Profit & Loss A/c 13.75 0.25 TOTAL ASSETS 603.05 3167.84 3549.48 1635.90 4387.62 3083.65 1186.60 121.74 207.86 143.99

68 Statement of Assets and Liabilities of Micro‐credit Development Banks as on Poush end, 2068

Rs. in million

Liabilities Total First Kalika Mithila Nagbeli Nagbeli Mirmire Janautthan 1 CAPITAL FUND 81.10 12.17 14.00 11.00 2,230.96 a. Paid‐up Capital 70.00 12.00 14.00 11.00 1,121.39 b. Calls in Advance 0.45 0.45 c. General Reserves 2.22 0.04 204.20 d. Share Premium 4.94 e. Retained Earning 8.88 ‐0.33 300.04 f. Others Reserves Fund 599.94 g. Exchange Fluctuation Fund 0.00 2 BORROWINGS 725.80 18.31 22.67 4.49 10,635.66 a. NRB 64.29 b. "A"Class Licensed Institution 346.66 1.00 1.79 6,126.47 c. Foreign Banks and Fin. Ins. 1,679.95 d. Other Financial Ins. 379.14 18.31 21.67 2.70 2,764.95 e. Bonds and Securities ‐ 3 DEPOSITS 12.80 1.01 4.32 2,676.93 a. Current 67.55 Domestic 67.55 Foreign ‐ b. Savings 12.80 1.01 4.32 2,487.63 Domestic 12.80 1.01 4.32 2,487.63 Foreign ‐ c. Fixed 5.24 Domestic 5.24 Foreign ‐ d. Call Deposits ‐ e. Others 116.52 4 Bills Payable ‐ 5 Other Liabilities 26.61 1.18 0.64 1.83 1,196.49 1. Sundry Creditors 0.03 0.22 149.76 2. Loan Loss Provision 3.56 0.41 0.20 1.64 273.92 3. Interest Suspense a/c 0.00 124.65 4. Others 23.02 0.77 0.22 0.19 648.16 6 Reconcillation A/c 3.34 2,034.38 7 Profit & Loss A/c 5.86 0.65 261.09 TOTAL LIABILITIES 839.37 45.10 41.66 21.64 19,035.51 Assets 1 LIQUID FUNDS 486.42 4.65 24.04 1.38 3,449.06 a. Cash Balance 1.10 0.00 0.11 12.26 Nepalese Notes & Coins 1.10 0.00 0.11 12.26 Foreign Currency ‐ b. Bank Balance 486.42 3.54 24.04 1.27 2,635.09 1. In Nepal Rastra Bank 302.72 362.08 Domestic Currency 302.72 352.13 Foreign Currency 9.95 2. "A"Class Licensed Institution 27.62 2.55 1.46 0.19 1,768.21 Domestic Currency 27.62 2.55 1.46 0.19 1,768.20 Foreign Currency 0.00 3. Other Financial Ins. 156.08 0.99 22.58 1.08 504.80 4. In Foreign Banks ‐ c. Money at Call 801.71 Domestic Currency 801.71 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 0.09 1,424.79 a. Non Residents ‐ b. Others 0.09 1,424.79 4 LOANS & ADVANCES 329.53 38.15 12.67 17.37 11,033.72 a. Private Sector 38.15 12.67 17.37 3,371.11 b. Financial Institutions 329.53 7,662.61 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 6.38 1.24 0.75 1.00 243.67 8 OTHER ASSETS 17.04 0.47 0.77 0.13 643.55 a. Accrued Interest: 9.35 143.99 b. Staff Loans / Adv. 0.02 0.03 297.95 c. Sundry Debtors 0.30 0.08 59.53 d. Cash In Transit 1.31 e. Others 7.67 0.47 0.45 0.05 140.79 9 Expenses not Written off 0.60 0.96 10 Non Banking Assets 143.59 11 Reconcillation Account 3.34 2,029.16 12 Profit & Loss A/c 0.09 1.68 15.77 TOTAL ASSETS 839.37 45.10 41.66 21.64 19,035.51

69 Profit and Loss Account of Micro‐credit Development Banks as on Poush end, 2068

Rs. in million

Expenses MGBB RMDC SPGBB PAGBB PUGBB MPGBB DIPROSC CHHIMEK NIRDHAN NIRDHAN 1 Interest Expenses 9.73 106.73 34.21 49.36 119.90 1.1 Deposit Liabilities 1.04 23.68 10.83 60.47 1.1.1 Saving A/c 1.04 23.59 10.83 60.47 1.1.2 Fixed A/c 0.09 1.1.2.1 Upto 3 Months Fixed A/c 1.1.2.2 3 to 6 Months fixed A/c 1.1.2.3 6 Months to 1 Year Fixed A/c 0.09 1.1.2.4 Above 1 Year 1.1.3 Call Deposit 1.1.4 Certificate of Deposits 1.2 Others 8.69 83.06 34.21 38.52 59.44 2 Commission/Fee Expense 3 Employees Expenses 12.17 91.66 9.81 28.59 50.48 4 Office Operatiing Expenses 2.12 19.42 2.73 9.81 22.34 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 7. Provision for Risk 2.70 0.63 0.70 2.23 7.1 Loan loss Provision 2.70 0.63 0.70 2.23 7.1.1 General Loan loss Provision 2.38 0.70 2.03 7.1.2 Special Loan Loss Provision 2.70 ‐1.74 0.20 7.1.3 Additional Loan Loss Provision 7.2. Provision for Non‐Banking Assets 7.3. Provision for Loss on Investment 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus 11.54 10 Provision for Income Tax 34.62 11 Others 12 Net Profit 33.53 80.78 39.81 53.15 TOTAL EXPENSES 26.71 251.97 173.70 128.26 248.10

Income 1. Interest Income 12.25 220.72 161.88 120.49 183.92 1.1. On Loans and Advance 9.14 198.58 94.94 112.27 183.74 1.2. On Investment 1.68 1.26 0.42 1.2.1 Government Bonds 0.42 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 1.26 1.2.4 Deventure & Bonds 1.68 1.3 Agency Balance 1.4 On Call Deposit 20.89 10.80 7.70 1.5 Others 1.43 55.72 0.52 0.18 2. Comission & Discount 0.38 7.47 2.53 2.1 Bills Purchase & Discount 2.2 Comission 1.02 2.3 Others 0.38 7.47 1.51 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans. 4 Other Operating Income 20.14 3.84 0.31 60.85 5 Non Operating Income 11.11 6 Provision Written Back 0.34 7.97 0.80 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss 13.75 TOTAL INCOME 26.71 251.97 173.70 128.26 248.10

70 Profit and Loss Account of Micro‐credit Development Banks as on Poush end, 2068

Rs. in million

Expenses an First Kalika Nagbeli Summit Summit NERUDE Sanakisan Sworojgar Swabalamb Naya Nepal Nepal Naya 1 Interest Expenses 66.58 30.70 4.74 5.59 6.91 27.17 1.59 1.1 Deposit Liabilities 10.67 0.37 1.02 1.17 0.44 1.1.1 Saving A/c 10.67 0.37 1.02 1.17 0.44 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 66.58 20.03 4.37 4.57 5.74 27.17 1.15 2 Commission/Fee Expense 12.42 0.00 3 Employees Expenses 8.34 29.13 1.75 3.53 2.05 1.72 1.10 4 Office Operatiing Expenses 3.76 4.89 0.60 1.41 3.70 2.05 1.03 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 25.67 2.53 0.63 0.08 0.76 0.25 0.10 7.1 Loan loss Provision 25.67 2.53 0.63 0.08 0.72 0.25 0.10 7.1.1 General Loan loss Provision 5.02 0.78 0.06 0.07 0.35 0.25 0.10 7.1.2 Special Loan Loss Provision 20.05 1.75 0.57 0.01 0.37 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 0.04 8 Loan Written Off 9 Provision for Staff Bonus 3.87 0.84 10 Provision for Income Tax 11.61 2.51 11 Others 12 Net Profit 27.09 16.15 1.90 2.76 ‐0.58 5.86 0.65 TOTAL EXPENSES 159.33 83.41 9.62 13.37 12.85 40.39 4.46

Income 1. Interest Income 147.04 70.16 7.78 10.39 11.42 37.54 3.52 1.1. On Loans and Advance 117.38 68.00 5.32 10.39 9.51 22.00 3.39 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 2.46 1.4 On Call Deposit 22.11 1.91 15.54 0.14 1.5 Others 7.55 2.15 2. Comission & Discount 0.09 0.10 2.1 Bills Purchase & Discount 2.2 Comission 0.01 0.10 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 0.02 13.25 1.59 2.98 1.28 2.85 0.85 5 Non Operating Income 6 Provision Written Back 12.19 0.15 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss 0.25 TOTAL INCOME 159.33 83.41 9.62 13.37 12.85 40.39 4.46

71 Profit and Loss Account of Micro‐credit Development Banks as on Poush end, 2068

Rs. in million

Expenses Total Mithila Mirmire Janautthan 1 Interest Expenses 1.12 0.30 464.63 1.1 Deposit Liabilities 0.01 0.09 109.79 1.1.1 Saving A/c 0.01 0.09 109.70 1.1.2 Fixed A/c 0.09 1.1.2.1 Upto 3 Months Fixed A/c 1.1.2.2 3 to 6 Months fixed A/c 1.1.2.3 6 Months to 1 Year Fixed A/c 0.09 1.1.2.4 Above 1 Year 1.1.3 Call Deposit 1.1.4 Certificate of Deposits 1.2 Others 1.11 0.21 354.84 2 Commission/Fee Expense 12.42 3 Employees Expenses 1.58 0.47 242.38 4 Office Operatiing Expenses 0.44 74.30 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 0.17 1.49 37.92 7.1 Loan loss Provision 0.17 1.49 37.89 7.1.1 General Loan loss Provision 0.17 0.17 12.06 7.1.2 Special Loan Loss Provision 1.32 25.23 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 0.04 8 Loan Written Off 9 Provision for Staff Bonus 16.25 10 Provision for Income Tax 48.74 11 Others 12 Net Profit 261.09 TOTAL EXPENSES 2.86 2.70 1157.74

Income 1. Interest Income 2.78 1.13 991.02 1.1. On Loans and Advance 1.25 1.02 836.92 1.2. On Investment 3.36 1.2.1 Government Bonds 0.42 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 1.26 1.2.4 Deventure & Bonds 1.68 1.3 Agency Balance 2.46 1.4 On Call Deposit 1.31 0.11 80.50 1.5 Others 0.22 67.78 2. Comission & Discount 10.57 2.1 Bills Purchase & Discount 2.2 Comission 1.13 2.3 Others 9.44 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans. 4 Other Operating Income 0.31 108.25 5 Non Operating Income 11.11 6 Provision Written Back 21.44 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss 0.09 1.25 15.34 TOTAL INCOME 2.86 2.70 1157.74

72 Progress Report of Micro‐credit Development Banks as on Poush end, 2068

PUGBB SPGBB PAGBB MPGBB MGBB NIRDHAN ljj/0f D D DDD D 1 sfo{If]q ePsf] lhNnf ;+Vof ‐ ‐ ‐ ‐ ‐ 37 2 ;]jf k'u]sf] lhNnf ;+Vof ‐ ‐ ‐ ‐ ‐ 37

3 ;]jf k'u]sf] uf=lj=;=÷g=kf= ;+Vof ‐ ‐ ‐ ‐ ‐ 888 4 s'n sd{rf/L ;+Vof ‐ ‐ ‐ ‐ ‐ 465 5 s'n zfvf ;+Vof ‐ ‐ ‐ ‐ ‐ 92 6 s'n s]Gb| ;+Vof ‐ ‐ ‐ ‐ ‐ 6,569 7 s'n ;d"x ;+Vof ‐ ‐ ‐ ‐ ‐ 26,876 8 lgliqmo ;d"x ;+Vof ‐ ‐ ‐ ‐ ‐ ‐ 9 s'n ;b:o ;+Vof ‐ ‐ ‐ ‐ ‐ 161,342 10 lgliqmo ;b:o ;+Vof ‐ ‐ ‐ ‐ ‐ ‐ 11 s'n C0fL ;+Vof ‐ ‐ ‐ ‐ ‐ 105,327 12 s'n shf{ ljt/0f ‐ ‐ ‐ ‐ ‐ 13,990,100.5 12 n3' Joj;fo shf{ ‐ ‐ ‐ ‐ ‐ 12,789,592.0 12 n3' pBd÷lwtf] shf{ ‐ ‐ ‐ ‐ ‐ 567,035.2 12 cGo shf{ ‐ ‐ ‐ ‐ ‐ 633,473.4 13 shf{sf] ;fFjf c;'nL ‐ ‐ ‐ ‐ ‐ 11,747,308.6

13 n3' Joj;fo shf{sf] ;fFjf c;'nL ‐ ‐ ‐ ‐ ‐ 10,809,129.6 13 n3' pBd÷lwtf] shf{sf] ;fFjf c;'nL ‐ ‐ ‐ ‐ ‐ 411,758.3 13 cGo shf{sf] ;fFjf c;'nL ‐ ‐ ‐ ‐ ‐ 526,420.7 14 s'n afFsL shf{ ‐ ‐ ‐ ‐ ‐ 2,242,792.0 14 n3' Joj;fo shf{ aFfsL ‐ ‐ ‐ ‐ ‐ 1,980,462.4 14 n3' pBd÷lwtf] shf{ aFfsL ‐ ‐ ‐ ‐ ‐ 155,276.9 14 cGo shf{ aFfsL ‐ ‐ ‐ ‐ ‐ 107,052.7 15 efvf gf3]sf] shf{ /sd ‐ ‐ ‐ ‐ ‐ 34,187.7 16 efvf gf3]sf] C0fL ;+Vof ‐ ‐ ‐ ‐ ‐ 4,363 17 Aofh c;'nL /sd ‐ ‐ ‐ ‐ ‐ 530,980.1 18 c;'n x'g afFsL Aofh /sd ‐ ‐ ‐ ‐ ‐ ‐ 19 shf{ gf]S;fgL Aoj:yf ‐ ‐ ‐ ‐ ‐ 52,905.5 20 s'n artstf{ ;+Vof ‐ ‐ ‐ ‐ ‐ 156,355 21 s'n art /sd ‐ ‐ ‐ ‐ ‐ 775,900.2 21 clgjfo{ art ‐ ‐ ‐ ‐ ‐ 426,384.0 21 :j]lR5s art ‐ ‐ ‐ ‐ ‐ 197,222.8 21 cGo art ‐ ‐ ‐ ‐ ‐ 88,981.0 21 ;j{;fwf/0fjf6 ;+sng u/]sf] art ‐ ‐ ‐ ‐ ‐ 63,312.4 22 s'n jrt÷s'n shf{ -℅_ 0.0% 0.0% 0.0% 0.0% 0.0% 34.6% 23 n3' pBd shf{÷s'n shf{ -℅_ 0.0% 0.0% 0.0% 0.0% 0.0% 6.9%

73 Progress Report of Micro‐credit Development Banks as on Poush end, 2068

RMDC DIPROSC CHHIMEK Swabalamban Sanakisan ljj/0f DD D D D 1 sfo{If]q ePsf] lhNnf ;+Vof 75 25 30 ‐ 75 2 ;]jf k'u]sf] lhNnf ;+Vof 67 25 29 ‐ 41

3 ;]jf k'u]sf] uf=lj=;=÷g=kf= ;+Vof ‐ 528 642 ‐ 326 4 s'n sd{rf/L ;+Vof 23 192 402 ‐ 48 5 s'n zfvf ;+Vof ‐ 51 55 ‐ 8 6 s'n s]Gb| ;+Vof ‐ 3,473 6,886 ‐ ‐ 7 s'n ;d"x ;+Vof ‐ 13,772 27,289 ‐ 29,317 8 lgliqmo ;d"x ;+Vof ‐ ‐ 34 ‐ 2,130 9 s'n ;b:o ;+Vof ‐ 66,697 140,029 ‐ 198,001 10 lgliqmo ;b:o ;+Vof ‐ 701 1,323 ‐ 15,476 11 s'n C0fL ;+Vof 69 51,048 107,604 ‐ 157,600 12 s'n shf{ ljt/0f 6,300,981.7 5,419,997.0 11,207,125.4 ‐ 8,793,596.7 12 n3' Joj;fo shf{ ‐ 4,875,546.0 10,724,083.7 ‐ 8,793,596.7 12 n3' pBd÷lwtf] shf{ ‐ 513,126.0 277,872.6 ‐ ‐ 12 cGo shf{ 6,300,981.7 31,325.0 205,169.0 ‐ ‐ 13 shf{sf] ;fFjf c;'nL 4,259,432.8 4,302,825.0 9,297,110.0 ‐ 6,529,255.9

13 n3' Joj;fo shf{sf] ;fFjf c;'nL ‐ 3,861,950.0 8,977,413.9 ‐ 6,529,255.9 13 n3' pBd÷lwtf] shf{sf] ;fFjf c;'nL ‐ 410,077.0 150,231.5 ‐ ‐ 13 cGo shf{sf] ;fFjf c;'nL 4,259,432.8 30,798.0 169,464.6 ‐ ‐ 14 s'n afFsL shf{ 2,041,548.9 1,117,172.0 1,910,015.3 ‐ 2,264,340.9 14 n3' Joj;fo shf{ aFfsL ‐ 1,013,597.0 1,746,669.8 ‐ 2,264,340.9 14 n3' pBd÷lwtf] shf{ aFfsL ‐ 103,049.0 127,641.1 ‐ ‐ 14 cGo shf{ aFfsL 2,041,548.9 526.0 35,704.5 ‐ ‐ 15 efvf gf3]sf] shf{ /sd ‐ 6,144.0 1,629.6 ‐ 28,415.6 16 efvf gf3]sf] C0fL ;+Vof ‐ 701 144 ‐ 26 17 Aofh c;'nL /sd 94,935.8 112,264.0 183,738.6 ‐ 1,070,844.8 18 c;'n x'g afFsL Aofh /sd 1.8 4,504.0 1,340.5 ‐ 1,015.9 19 shf{ gf]S;fgL Aoj:yf 81,662.0 23,532.0 20,538.4 ‐ 58,711.9 20 s'n artstf{ ;+Vof ‐ 66,786 140,029 ‐ ‐ 21 s'n art /sd ‐ 281,680.0 1,216,307.0 ‐ ‐ 21 clgjfo{ art ‐ 126,366.0 367,223.9 ‐ ‐ 21 :j]lR5s art ‐ 67,548.0 292,603.8 ‐ ‐ 21 cGo art ‐ 87,766.0 499,325.1 ‐ ‐ 21 ;j{;fwf/0fjf6 ;+sng u/]sf] art ‐ ‐ 57,154.3 ‐ ‐ 22 s'n jrt÷s'n shf{ -℅_ 0.0% 25.2% 63.7% 0.0% 0.0% 23 n3' pBd shf{÷s'n shf{ -℅_ 0.0% 9.2% 6.7% 0.0% 0.0%

74 Progress Report of Micro‐credit Development Banks as on Poush end, 2068

NERUDE Naya Nepal Summit Sworojgar First Nagbeli ljj/0f D D DDDD 1 sfo{If]q ePsf] lhNnf ;+Vof 13 5 ‐ ‐ 75 ‐ 2 ;]jf k'u]sf] lhNnf ;+Vof 13 5 ‐ ‐ 22 ‐

3 ;]jf k'u]sf] uf=lj=;=÷g=kf= ;+Vof 170 41 ‐ ‐ ‐ ‐ 4 s'n sd{rf/L ;+Vof 219 30 ‐ ‐ 9 ‐ 5 s'n zfvf ;+Vof 36 6 ‐ ‐ 1 ‐ 6 s'n s]Gb| ;+Vof 2,753 229 ‐ ‐ ‐ ‐ 7 s'n ;d"x ;+Vof 13,075 576 ‐ ‐ ‐ ‐ 8 lgliqmo ;d"x ;+Vof ‐ ‐ ‐ ‐ ‐ ‐ 9 s'n ;b:o ;+Vof 57,628 3,036 ‐ ‐ ‐ ‐ 10 lgliqmo ;b:o ;+Vof ‐ 143 ‐ ‐ ‐ ‐ 11 s'n C0fL ;+Vof 44,920 2,798 ‐ ‐ 27 ‐ 12 s'n shf{ ljt/0f 4,150,244.9 208,206.0 ‐ ‐ 635,200.0 ‐ 12 n3' Joj;fo shf{ 643,424.2 192,671.0 ‐ ‐ ‐ ‐ 12 n3' pBd÷lwtf] shf{ 7,858.0 15,535.0 ‐ ‐ ‐ ‐ 12 cGo shf{ 3,498,962.6 ‐ ‐ ‐ 635,200.0 ‐ 13 shf{sf] ;fFjf c;'nL 3,523,140.1 148,623.0 ‐ ‐ 305,667.6 ‐

13 n3' Joj;fo shf{sf] ;fFjf c;'nL 511,505.1 139,704.0 ‐ ‐ ‐ ‐ 13 n3' pBd÷lwtf] shf{sf] ;fFjf c;'nL 4,808.8 8,919.0 ‐ ‐ ‐ ‐ 13 cGo shf{sf] ;fFjf c;'nL 3,006,826.2 ‐ ‐ ‐ 305,667.6 ‐ 14 s'n afFsL shf{ 627,104.8 59,583.0 ‐ ‐ 329,532.4 ‐ 14 n3' Joj;fo shf{ aFfsL 131,919.1 52,967.0 ‐ ‐ ‐ ‐ 14 n3' pBd÷lwtf] shf{ aFfsL 3,049.2 6,616.0 ‐ ‐ ‐ ‐ 14 cGo shf{ aFfsL 492,136.5 ‐ ‐ ‐ 329,532.4 ‐ 15 efvf gf3]sf] shf{ /sd 8,988.5 2,543.0 ‐ ‐ ‐ ‐ 16 efvf gf3]sf] C0fL ;+Vof 2,263 197 ‐ ‐ ‐ ‐ 17 Aofh c;'nL /sd 67,837.1 ‐ ‐ ‐ ‐ ‐ 18 c;'n x'g afFsL Aofh /sd 1,438.8 ‐ ‐ ‐ ‐ ‐ 19 shf{ gf]S;fgL Aoj:yf 9,725.3 2,023.0 ‐ ‐ 3,564.9 ‐ 20 s'n artstf{ ;+Vof 57,628 ‐ ‐ ‐ ‐ ‐ 21 s'n art /sd 252,534.5 18,843.0 ‐ ‐ ‐ ‐ 21 clgjfo{ art 83,208.6 10,794.0 ‐ ‐ ‐ ‐ 21 :j]lR5s art 169,325.9 8,049.0 ‐ ‐ ‐ ‐ 21 cGo art ‐ ‐ ‐ ‐ ‐ ‐ 21 ;j{;fwf/0fjf6 ;+sng u/]sf] art ‐ ‐ ‐ ‐ ‐ ‐ 22 s'n jrt÷s'n shf{ -℅_ 40.3% 31.6% 0.0% 0.0% 0.0% 0.0% 23 n3' pBd shf{÷s'n shf{ -℅_ 0.5% 11.1% 0.0% 0.0% 0.0% 0.0%

75 Progress Report of Micro‐credit Development Banks as on Poush end, 2068

Kalika Mirmire Janautthan Mithila ljj/0f DD D DTotal 1 sfo{If]q ePsf] lhNnf ;+Vof 5 10 10 ‐ 2 ;]jf k'u]sf] lhNnf ;+Vof 5 2 6 ‐

3 ;]jf k'u]sf] uf=lj=;=÷g=kf= ;+Vof 32 20 21 ‐ 2,668 4 s'n sd{rf/L ;+Vof 17 6 17 ‐ 1,428 5 s'n zfvf ;+Vof 5 2 2 ‐ 258 6 s'n s]Gb| ;+Vof 147 25 1 ‐ 20,083 7 s'n ;d"x ;+Vof 506 25 417 ‐ 111,853 8 lgliqmo ;d"x ;+Vof ‐ 1 ‐ ‐ 2,165 9 s'n ;b:o ;+Vof 2,529 390 2,534 ‐ 632,186 10 lgliqmo ;b:o ;+Vof ‐ 10 ‐ ‐ 17,653 11 s'n C0fL ;+Vof 1,809 294 1,089 ‐ 472,585 12 s'n shf{ ljt/0f 89,141.0 25,290.1 27,453.0 ‐ 50,847,336.3 12 n3' Joj;fo shf{ 80,121.0 21,459.1 21,692.0 ‐ 38,142,185.7 12 n3' pBd÷lwtf] shf{ 9,020.0 3,831.0 5,761.0 ‐ 1,400,038.7 12 cGo shf{ ‐ ‐ ‐ ‐ 11,305,111.8 13 shf{sf] ;fFjf c;'nL 50,989.9 1,246.3 10,087.2 ‐ 40,175,686.3

13 n3' Joj;fo shf{sf] ;fFjf c;'nL 47,181.0 1,123.0 7,711.1 ‐ 30,884,973.6 13 n3' pBd÷lwtf] shf{sf] ;fFjf c;'nL 3,808.9 123.3 2,376.2 ‐ 992,102.9 13 cGo shf{sf] ;fFjf c;'nL ‐ ‐ ‐ ‐ 8,298,609.8 14 s'n afFsL shf{ 38,151.1 11,789.3 17,365.7 ‐ 10,659,395.4 14 n3' Joj;fo shf{ aFfsL 32,941.2 7,958.3 13,980.9 ‐ 7,244,836.6 14 n3' pBd÷lwtf] shf{ aFfsL 5,209.9 3,831.0 3,384.8 ‐ 408,057.9 14 cGo shf{ aFfsL ‐ ‐ ‐ ‐ 3,006,501.0 15 efvf gf3]sf] shf{ /sd ‐ ‐ 191.7 ‐ 82,100.1 16 efvf gf3]sf] C0fL ;+Vof ‐ ‐ 1 ‐ 7,695 17 Aofh c;'nL /sd 7,024.1 ‐ 1,441.5 ‐ 2,069,065.9 18 c;'n x'g afFsL Aofh /sd ‐ ‐ 22.0 ‐ 8,323.1 19 shf{ gf]S;fgL Aoj:yf 409.7 ‐ 1,489.3 ‐ 254,562.0 20 s'n artstf{ ;+Vof 2,696 ‐ 2,534 ‐ 426,028 21 s'n art /sd 12,801.3 2,420.7 4,324.8 ‐ 2,564,811.5 21 clgjfo{ art 1,273.5 1,211.1 2,234.0 ‐ 1,018,695.2 21 :j]lR5s art 1,027.9 147.2 2,090.7 ‐ 738,015.3 21 cGo art 10,499.9 1,062.4 ‐ ‐ 687,634.3 21 ;j{;fwf/0fjf6 ;+sng u/]sf] art ‐ ‐ ‐ ‐ 120,466.7 22 s'n jrt÷s'n shf{ -℅_ 33.6% 20.5% 24.9% 0.0% 24.1% 23 n3' pBd shf{÷s'n shf{ -℅_ 13.7% 32.5% 19.5% 0.0% 3.8%

76 Name list of Bank and Financial Institutions SN Full Name of Bank and Financial Institutions Short Name SN Full Name of Bank and Financial Institutions Short Name A. Commercial Banks 24 Excel Development Bank Limited Excel 1 Nepal Bank Limited NBL 25 Western Development Bank Limited WDBL 2 Rastriya Banijya Bank RBB 26 H. & B. Development Bank Limited H & B 3 Nabil Bank Limited NABIL 27 Arniko Development Bank Limited Araniko 4 Nepal Investment Bank Limited NIBL 28 NDEP Development Bank Limited NDEP 5 Standard Chartered Bank Nepal Limited SCBNL 29 Clean Energy Development Bank Limited CEDBL 6 Himalayan Bank Limited HBL 30 Miteri Development Bank Limited Miteri 7 Nepal SBI Bank Limited NSBI 31 Tinau Bikas Bank Limited Tinau 8 Nepal Bangaladesh Bank Limited NBB 32 Rising Development Bank Limited Rising 9 Everest Bank Limited EBL 33 Muktinath Bikas Bank Limited Muktinath 10 Bank of Kathmandu Limited BOK 34 Sewa Bikas Bank Limited Sewa 11 Nepal Credit and Commerce Bank Limited NCC 35 Kankai Bikas Bank Limited Kankai 12 Nepal Industrial and Commercial Bank Limited NIC 36 Public Development Bank Limited Public 13 Lumbini Bank Limited Lumbini 37 Mahakali Bikas Bank Limited Mahakali 14 Machhapuchhre Bank Limited MBL 38 Ace Development Bank Limited Ace 15 Kumari Bank Limited Kumari 39 Bhargab Bikas Bank Limited Bhargav 16 Laxmi Bank Limited Laxmi 40 Sangrila Bikas Bank Limited Shangrila 17 Siddhartha Bank Limited SBL 41 Resunga Bikas Bank Limited Resunga 18 Agriculture Development Bank ADBNL 42 Rara Bikas Bank Limited Rara 19 Global Bank Limited Global 43 Diyalo Bikas Bank Limited diyalo 20 Citizens Bank International Citizens 44 Country Development Bank Limited Country 21 Prime Commercial Bank Limited Prime 45 Alpine Development Bank Limited Alpine 22 Bank of Asia Nepal Limited BOA 46 Nilgiri Bikas Bank Limited Nilgiri 23 Sunrise Bank Limited Sunrise 47 Kasthamandap Development Bank Limited Kasthamandap 24 DCBL Bank Limited DCBL 48 Garima Bikas Bank Limited Garima 25 NMB Bank Limited NMB 49 City Development Bank Limited City 26 Kist Bank Limited Kist 50 Biswo Bikas Bank Limited Bishow 27 Janata Bank Nepal Limited Janata 51 Professional Bikas Bank Limited Professional 28 Mega Bank Nepal Limited Mega 52 Kabeli Bikas Bank Limited Kabeli 29 Commerz and Trust Bank Nepal Limited CTBNL 53 Kamana Bikas Bank Limited Kamana 30 Civil Bank Limited Civil 54 Corporate Development Bank Limited Corporate 31 Century Commercial Bank Century 55 Pathibhara Bikas Bank Limited Pathibhara B. Development Banks 56 Purnima Bikas Bank Limited Purnima 1 Nepal Industrial Development Corporation NIDC 57 Jyoti Development Bank Limited Jyoti 2 Udhyam Development Bank Limited Uddhyam 58 Bagmati Development Bank Limited Bagmati 3 Malika Development Bank Limited Malika 59 Hamro Bikas Bank Limited Hamro 4 Siddhartha Development Bank Limited SDBL 60 Kakre Bihar Bikas Bank Limited Kakre 5 United Development Bank Limited UDBL 61 Shine Development Bank Limited Shine 6 Manakamana Development Bank Limited MDBL 62 Pacific Development Bank Limited Pacific 7 Narayani Development Bank Limited Narayani 63 Civic Development Bank Limited Civic 8 Pashimanchal Development Bank Limited PDBL 64 International Development Bank Limited IDBL 9 Sahayogi Bikas Bank Limited Sahayogi 65 Gulmi Bikas Bank Limited Gulmi 10 Pashupati Development Bank Limited Pashupati 66 Kanchan Development Bank Limited Kanchan 11 Karnali Bikash Bank Limited Karnali 67 Matribhumi Bikas Bank Limited Matribhumi 12 Triveni Development Bank Limited Triveni 68 Bright Development Bank Limited Bright 13 Annapurna Development Bank Limited Annapurna 69 Innovative Development Bank Limited Innovative 14 Bhrikuti Bikas Bank Limited Bhrikuti 70 Jhimruk Bikas Bank Limited Jhimruk 15 Shubhechchha Bikas Bank Limited Suvekchha 71 Metro Development Bank Limited Metro 16 Bageshowri Development Bank Limited Bageshwori 72 Vivor Bikash Bank Limited Vivor 17 Sanima Bikas Bank Limited Sanima 73 Gaumukhi Bikas Bank Limited Gaumukhi 18 Gaurishankar Development Bank Limited Gaurishankar 74 Raptibheri Bikas Bank Limited Raptiveri 19 Gorkha Bikas Bank Limited Gorkha 75 Nepal Consumer Development Bank Limited Consumer 20 Gandaki Bikas Bank Limited Gandaki 76 Khandbari Development Bank Limited Khadbari 21 Infrastructure Development Bank Limited Infrastructure 77 Tourism Development Bank Limited Tourism 22 Business Development Bank Limited Business 78 Mission Development Bank Limited Mission 23 Biratlaxmi Bikas Bank Limited Biratlaxmi 79 Surya Development Bank Limited Surya

77 SN Full Name of Bank and Financial Institutions Short Name SN Full Name of Bank and Financial Institutions Short Name 80 Mount Makalu Development Bank Limited Mt. Makalu 46 Royal Merchant Banking & Finance Limited Royal 81 Sindhu Bikas Bank Limited Sindhu 47 Guheshworil Merchant Banking & Finance Limited Guheshwori 82 Sahara Development Bank Limited Sahara 48 Patan Finance Co. Limited Patan 83 Social Development Bank Limited Social 49 Fewa Finance Limited Fewa 84 Nepal Community Development Bank Limited NCDBL 50 Everest Finance Limited Everest 85 Cosmos Development Bank Limited Cosmos 51 Prudential Finance Company Limited Prudential 86 Manasalu Development Bank Limited Manaslu 52 ICFC Finance Limited ICFC 87 Samabriddhi Development Bank Limited Samabriddhi 53 IME Financial Institution Limited IME 88 Ekata Development Bank Limited Ekata 54 Sagarmatha Merchant Banking and Finance Limited Sagarmatha 89 Kalinchowk Development Bank Limited Kalinchowk 55 Shikhar Finance Limited Shikhar C. Finance Companies 56 Civil Merchant Bittiya Sanstha Limited Civil 1 Nepal Aawas Finance Limited Neapal Aawas 57 Prabhu Finance Co. Limited Prabhu 2 Nepal Finance Limited NFL 58 Imperial Finance Limited Imperial 3 NIDC Capital Markets Limited NIDC Capital 59 Kuber Merchant Finance Limited Kuber 4 Narayani National Finance Limited NNFL 60 Nepal Express Finance Limited NEFL 5 Annapurna Finance Co.Limited AFCL 61 Valley Finance Limited Valley 6 Nepal Share Markets and Finance Limited NSMFL 62 Seti Bittiya Sanstha Limited Seti 7 Peoples Finance Limited Peoples 63 Hama Merchant & Finance Limited hama 8 Mercantile Finance Co. Limited Merchantile 64 Reliable Finance Limited reliable 9 Kathmandu Finance Limited KFL 65 Loard Buddha Finance Limited Lord Buddha 10 Himalaya Finance Limited Himalaya 66 Swostik Merchant Finance Company Limited Swastik 11 Union Finance Limited Union 67 Api Finance Limited Api 12 Gorkha Finance Limited Gorkha 68 Namaste Bitiya Sanstha Limited. Namaste 13 Paschhimanchal Finance Co.Limited PFCL 69 Kaski Finance Limited Kaski 14 Nepal Housing & Merchant Finance Limited NHMFL 70 Suryadarshan Finance Co. Limited Suryadarshan 15 Universal Finance Limited Universal 71 Zenith Finance Limited Zenith 16 Samjhana Finance Co. Limited Samjhana 72 Unique Finance Limited Unique 17 Goodwill Finance Limited Goodwill 73 Manjushree Financial Institution Limited Manjushree 18 Siddhartha Finance Limited SFL 74 Subhalaxmi Finance Limited Subhalaxmi 19 Shree Investment & Finance Co. Limited SIFCL 75 Jebil's Finance Limited Jebils 20 Lumbini Finance & Leasing Co. Limited Lumbini 76 Reliance Finance Limited Reliance 21 Inbesta Finance Limited Investa 77 Lotus Investment Finance Limited Lotus 22 Yeti Finance Limited YFL 78 Baibhab Finance Limited Baibhav 23 Standard Finance Limited Standard 79 Bhaktapur Finance Limited Bhaktapur 24 International Leasing & Finance Co. Limited ILFCO D. Micro‐credit Development Banks 25 Mahalaxmi Finance Limited Mahalaxmi 1 Purbanchal Grameen Bikas Bank Limited PUGBB 26 Lalitpur Finance Co. Limited Lalitpur 2 Sudur Pashimanchall Grameen Bikas Bank Limited SPGBB 27 Bhajuratna Finance & Saving Co. Limited Bhajuratna 3 Pashimanchall Grameen Bikas Bank Limited PAGBB 28 United Finance Co. Limited United FC 4 Madhya Pashimanchal Grameen Bikas Bank Limited MPGBB 29 General Finance Limited General 5 Madhymanchall Grameen Bikas Bank Limited MGBB 30 Progessive Finance Limited Progressive 6 Nirdhan Utthan Bank Limited NIRDHAN 31 Alpic Everest Finance Limited AEFL 7 Rural Microfinance Development Centre Limited RMDC 32 Nava Durga Finance Co.Limited Navadurga 8 Deprosc Microfinance Development Bank Limited DIPROSC 33 Janaki Finance Co. Limited Janaki 9 Chhimek Microfinance Development Banks Limited CHHIMEK 34 Pokhara Finance Limited Pokhara 10 Shawalamban Laghu Bitta Bikas Banks Limited Swabalamban 35 Central Finance Limited Central 11 Sana Kisan Vikas Bank Limited Sanakisan 36 Premier Finance Co. Limited Premier 12 Nerude Laghu Bitta Bikas Bank Limited NERUDE 37 Arun Finance Limited Arun 13 Naya Nepal Laghu Bitta Bikas Bank Limited Naya Nepal 38 Multipurpose Finance Co. Limited Multipurpose 14 Summit Microfinance Development Bank Limited Summit 39 Butwal Finance Limited Butwal 15 Sworojagar Laghu Bitta Bika Bank Limited Sworojgar 40 Shrijana Finance Limited Srijana 16 Frist Microfinance Development Bank Limited First 41 Om Finance Limited Om 17 Nagbeli Microfinance Development Bank Limited Nagbeli 42 CMB Finance Limited CMB 18 Kalika Microcredit Development Bank Limited Kalika 43 World Merchant Banking & Finance Limited WMBFL 19 Mirmire Microfinance Development Bank Limited Mirmire 44 Capital Merchant Banking & Finance Co. Limited CMBFCL 20 Janautthan SamudayikMicrofinance Dev. Bank Limited Janautthan 45 Crystal Finance Limited Crystal 21 Mithila Laghu Bitta Bikas Banks Limited Mithila

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