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

1000 911 923 879 900 872 865

800 730 713 709 714 727 700

600

500

400

300 Rs. in Rs. billion

200

100

0 Mid Jul Mid Aug Mid Sep Mid Oct Mid Nov Deposit d 2068 Kartik (Mid Nov, 2011) (Provisional) Contents Page

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

3. Geographical distribution of: (not complete) a. Bank & financial institutions' branches b. Deposit c. Credit

4. Statement of Assets and Liabilities a. Commercial banks 11 b. Development banks 14 c. Finance companies 22 d. Micro‐credit development banks 29

5. Profit & Loss account a. Commercial banks 31 b. Development banks 35 c. Finance companies 46 d. Micro‐credit development banks 56

6. Sector‐ wise, product‐wise and security‐wise credit a. Commercial banks 59 b. Development banks 62 c. Finance companies 71 d. Micro‐credit development banks 79

7. Some financial ratios (not complete)

8. Progress report of micro‐credit development banks (not com.)

9. List of bank and financial institutions with short name 81 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:

Gregorian Month Nepalese Month

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

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 88 78 17 214 Total Number of Licensed BFIs 31 88 79 21 220

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

6 Statistic Figures are subject to change upon receipt of data from missing BFIs. 7 Short Names of BFIs are used in notification and their full names have been provided in the last page (List of Bank & Financial Institutions).

1 Major Financial Indicators Statement of Assets and Liabilities of Bank & Financial Institutions (Agreegate) Rs in million Mid-July Mid-Oct Mid-Nov Percentage change Liabilities 2009 2010 2011 2011 2011 Column Column Column Column 12345 2/13/2 4/3 5/4 1 CAPITAL FUND 52,205.4 77,657.1 105,816.3 115,780.6 115,293.3 48.8 36.3 9.4 (0.4) a. Paid-up Capital 60,299.2 79,629.7 99,964.4 100,465.8 100,812.6 32.1 25.5 0.5 0.3 b. Statutory Reserves 10,916.6 13,920.4 17,972.9 20,318.1 19,958.3 27.5 29.1 13.0 (1.8) c. Retained Earning (27,804.6) (26,878.1) (24,306.5) (19,281.3) (18,440.7) (3.3) (9.6) (20.7) (4.4) d. Others Reserves 8,794.2 10,985.1 12,185.5 14,278.0 12,963.1 24.9 10.9 17.2 (9.2) 2 BORROWINGS 35,109.4 38,131.4 47,096.3 35,732.7 32,620.7 8.6 23.5 (24.1) (8.7) a. NRB 2,402.5 7,770.2 13,508.1 5,159.5 5,084.2 223.4 73.8 (61.8) (1.5) b. "A"Class Licensed Institution 19,483.1 17,494.3 17,722.6 15,906.3 13,011.5 (10.2) 1.3 (10.2) (18.2) c. Foreign Banks and Fin. Ins. 5,644.5 3,757.4 3,912.3 4,305.1 4,873.1 (33.4) 4.1 10.0 13.2 d. Other Financial Ins. 4,047.5 5,377.0 5,803.5 4,265.8 4,065.9 32.8 7.9 (26.5) (4.7) e. Bonds and Securities 3,531.9 3,732.6 6,149.8 6,096.0 5,586.0 5.7 64.8 (0.9) (8.4) 3DEPOSITS 670,680.2 787,812.3 873,488.8 910,987.9 922,664.6 17.5 10.9 4.3 1.3 a. Current 72,662.6 82,136.8 80,935.2 73,856.6 71,207.6 13.0 (1.5) (8.7) (3.6) b. Savings 315,232.5 307,297.5 309,125.2 326,223.7 328,910.1 (2.5) 0.6 5.5 0.8 c. Fixed 183,059.8 265,143.8 332,726.3 350,497.6 357,247.6 44.8 25.5 5.3 1.9 d. Call Deposits 91,663.5 122,927.9 139,308.2 147,464.1 152,637.4 34.1 13.3 5.9 3.5 e. Others 8,061.9 10,306.4 11,394.0 12,946.0 12,661.9 27.8 10.6 13.6 (2.2) 4 Bills Payable 1,846.6 1,256.4 964.9 728.1 968.9 (32.0) (23.2) (24.5) 33.1 5 Other Liabilities 105,987.5 94,850.8 108,055.6 118,298.4 124,262.7 (10.5) 13.9 9.5 5.0 1. Loan Loss Provision 28,259.9 26,267.2 30,652.1 35,153.8 35,761.9 (7.1) 16.7 14.7 1.7 2. Interest Suspense a/c 29,602.5 28,199.0 28,484.0 31,657.3 33,616.5 (4.7) 1.0 11.1 6.2 3. Others 48,125.1 40,384.6 48,919.5 51,487.3 54,884.3 (16.1) 21.1 5.2 6.6 6 Reconcillation A/c 97,728.6 5,788.2 10,096.2 26,927.3 13,028.3 (94.1) 74.4 166.7 (51.6) 7 Profit & Loss A/c 19,486.4 21,391.6 21,060.5 3,257.3 3,949.4 9.8 (1.5) (84.5) 21.2 TOTAL 983,044.1 1,026,887.8 1,166,578.6 1,211,712.4 1,212,787.8 4.5 13.6 3.9 0.1 Assets 1 LIQUID FUNDS 141,250.4 152,675.9 151,266.2 170,939.8 189,923.5 8.1 (0.9) 13.0 11.1 a. Cash Balance 17,804.7 20,479.8 23,982.0 26,983.3 24,286.9 15.0 17.1 12.5 (10.0) Nepalese Notes & Coins 16,945.2 20,002.4 23,442.0 25,811.0 23,188.4 18.0 17.2 10.1 (10.2) Foreign Currency 859.5 477.4 540.0 1,172.3 1,098.5 (44.5) 13.1 117.1 (6.3) b. Bank Balance 99,306.3 99,510.0 92,854.0 114,669.4 137,515.3 0.2 (6.7) 23.5 19.9 1. In Nepal Rastra Bank 60,328.7 54,872.6 54,720.4 81,955.3 100,493.1 (9.0) (0.3) 49.8 22.6 2. "A"Class Licensed Institution 25,655.1 24,432.8 17,767.0 16,858.9 17,414.1 (4.8) (27.3) (5.1) 3.3 3. Other Financial Ins. 5,334.9 9,910.9 9,852.8 7,987.6 8,302.4 85.8 (0.6) (18.9) 3.9 4. In Foreign banks 7,987.6 10,293.7 10,513.9 7,867.7 11,305.6 28.9 2.1 (25.2) 43.7 c. Money at Call 24,139.5 32,686.1 34,430.2 29,287.1 28,121.3 35.4 5.3 (14.9) (4.0) 2 INVESTMENTS 70,412.7 84,752.7 107,727.1 110,288.1 110,843.5 20.4 27.1 2.4 0.5 a. Govt.Securities 69,995.7 82,033.3 105,166.4 107,797.5 108,324.6 17.2 28.2 2.5 0.5 b Others 417.0 2,719.3 2,560.7 2,490.7 2,518.9 552.0 (5.8) (2.7) 1.1 3 SHARE & OTHER INVESTMENT 70,690.6 63,053.8 55,143.3 56,345.9 54,125.2 (10.8) (12.5) 2.2 (3.9) 4 LOANS & ADVANCES 508,115.4 621,038.9 713,428.8 722,337.5 719,817.4 22.2 14.9 1.2 (0.3) a. Private Sector 434,230.2 593,596.8 683,577.9 678,716.0 687,734.1 36.7 15.2 (0.7) 1.3 b. Financial Institutions 12,839.0 12,812.2 23,485.8 36,617.6 25,234.0 (0.2) 83.3 55.9 (31.1) c. Government Organizations 61,046.2 14,629.9 6,365.1 7,003.9 6,849.4 (76.0) (56.5) 10.0 (2.2) 5 BILL PURCHED 3,907.6 2,257.0 5,149.7 7,386.6 6,945.8 (42.2) 128.2 43.4 (6.0) 6 LOANS AGT. COLLECTED BILLS 17.9 98.6 96.0 218.9 354.5 452.2 (2.7) 128.1 62.0 7 FIXED ASSETS 15,187.7 20,631.3 24,520.0 25,805.3 25,801.3 35.8 18.8 5.2 (0.0) 8 OTHER ASSETS 66,526.2 70,139.6 80,391.3 90,410.1 92,389.1 5.4 14.6 12.5 2.2 a. Accrued Interests 30,094.8 29,446.8 30,048.8 34,657.3 38,170.6 (2.2) 2.0 15.3 10.1 b. Others 36,431.4 40,692.9 50,342.5 55,752.8 54,218.5 11.7 23.7 10.7 (2.8) 9Expenses not Written off 628.6 619.3 776.4 631.2 673.8 (1.5) 25.4 (18.7) 6.7 10 Non Banking Assets 2,306.4 1,829.1 1,549.7 1,870.5 2,133.0 (20.7) (15.3) 20.7 14.0 11 Reconcillation Account 95,875.9 9,106.3 22,233.3 23,361.5 7,356.0 (90.5) 144.2 5.1 (68.5) 12 Profit & Loss A/c 8,124.7 685.2 4,296.8 2,116.3 2,424.9 (91.6) 527.1 (50.7) 14.6 TOTAL 983,044.1 1,026,887.8 1,166,578.6 1,211,711.6 1,212,787.8 4.5 13.6 3.9 0.1

2 Statement of Assets and Liabilities of Commercial Banks (Agreegate) Rs in million Mid-July Mid-Oct Mid-Nov Percentage change Liabilities 2009 2010 2011 2011 2011 ColumnColumnColumn Column 12344 2/13/2 4/3 5/4 1 CAPITAL FUND 30,399.5 40,719.8 59,064.4 69,295.9 69,278.3 33.9 45.1 17.3 (0.0) a. Paid-up Capital 40,738.3 46,630.4 58,294.9 58,637.0 58,996.3 14.5 25.0 0.6 0.6 b. Statutory Reserves 9,514.2 12,146.3 14,925.9 16,803.0 16,365.4 27.7 22.9 12.6 (2.6) c. Retained Earning (27,143.0) (26,722.0) (24,831.2) (18,691.4) (17,343.1) (1.6) (7.1) (24.7) (7.2) d. Others Reserves 7,290.1 8,665.1 10,674.8 12,547.3 11,259.7 18.9 23.2 17.5 (10.3) 2 BORROWINGS 18,320.2 19,783.9 24,852.8 15,516.9 14,805.2 8.0 25.6 (37.6) (4.6) a. NRB 2,154.3 6,752.6 10,226.1 3,648.3 3,774.2 213.5 51.4 (64.3) 3.5 b. "A"Class Licensed Institution 8,132.5 4,816.8 6,321.0 3,215.5 2,389.9 (40.8) 31.2 (49.1) (25.7) c. Foreign Banks and Fin. Ins. 4,012.7 1,933.3 1,868.1 2,265.4 2,833.4 (51.8) (3.4) 21.3 25.1 d. Other Financial Ins. 520.7 2,553.4 379.9 360.0 280.0 390.4 (85.1) (5.3) (22.2) e. Bonds and Securities 3,500.0 3,727.8 6,057.8 6,027.8 5,527.8 6.5 62.5 (0.5) (8.3) 3DEPOSITS 563,604.5 630,880.8 687,587.9 725,211.4 735,716.0 11.9 9.0 5.5 1.4 a. Current 71,651.0 80,606.2 78,982.9 72,006.3 69,271.8 12.5 (2.0) (8.8) (3.8) b. Savings 259,925.4 237,709.3 231,094.4 244,022.2 245,883.3 (8.5) (2.8) 5.6 0.8 c. Fixed 141,259.4 200,058.5 253,586.4 274,237.1 280,649.8 41.6 26.8 8.1 2.3 d. Call Deposits 84,709.7 105,687.2 116,624.7 126,862.3 131,689.1 24.8 10.3 8.8 3.8 e. Others 6,058.9 6,819.7 7,299.5 8,083.4 8,222.0 12.6 7.0 10.7 1.7 4 Bills Payable 1,738.5 1,226.0 942.9 714.6 920.3 (29.5) (23.1) (24.2) 28.8 5 Other Liabilities 87,709.2 77,413.0 84,386.3 88,058.3 92,623.4 (11.7) 9.0 4.4 5.2 1. Loan Loss Provision 23,682.5 21,631.8 21,340.1 22,951.6 23,872.7 (8.7) (1.3) 7.6 4.0 2. Interest Suspense a/c 27,666.2 24,101.3 23,249.4 24,602.2 25,800.2 (12.9) (3.5) 5.8 4.9 3. Others 36,360.4 31,679.9 39,796.8 40,504.6 42,950.4 (12.9) 25.6 1.8 6.0 6 Reconcillation A/c 95,621.7 1,234.6 5,931.6 20,797.6 6,307.9 (98.7) 380.4 250.6 (69.7) 7 Profit & Loss A/c 14,772.4 16,042.8 15,598.5 2,572.8 3,347.1 8.6 (2.8) (83.5) 30.1 TOTAL 812,165.9 787,300.9 878,364.5 922,167.4 922,998.1 (3.1) 11.6 5.0 0.1 Assets 1 LIQUID FUNDS 105,989.0 102,749.0 98,071.7 117,312.3 135,195.0 (3.1) (4.6) 19.6 15.2 a. Cash Balance 15,839.2 17,573.1 20,265.2 22,720.0 20,262.3 10.9 15.3 12.1 (10.8) Nepalese Notes & Coins 15,014.6 17,137.2 19,765.0 21,606.0 19,216.2 14.1 15.3 9.3 (11.1) Foreign Currency 824.6 435.9 500.3 1,114.0 1,046.2 (47.1) 14.8 122.7 (6.1) b. Bank Balance 75,438.8 69,551.5 63,293.3 85,841.9 106,731.1 (7.8) (9.0) 35.6 24.3 1. In Nepal Rastra Bank 55,539.2 49,542.7 48,727.4 74,738.7 92,394.2 (10.8) (1.6) 53.4 23.6 2. "A"Class Licensed Institution 11,505.6 8,460.4 3,826.0 3,241.6 3,066.3 (26.5) (54.8) (15.3) (5.4) 3. Other Financial Ins. 415.4 1,333.7 284.6 40.3 24.1 221.1 (78.7) (85.8) (40.0) 4. In Foreign banks 7,978.6 10,214.7 10,455.2 7,821.3 11,246.5 28.0 2.4 (25.2) 43.8 c. Money at Call 14,711.1 15,624.4 14,513.2 8,750.3 8,201.5 6.2 (7.1) (39.7) (6.3) 2 INVESTMENTS 69,261.4 81,343.8 102,655.9 105,450.2 105,800.7 17.4 26.2 2.7 0.3 a. Govt.Securities 68,902.0 79,079.6 100,267.3 103,031.9 103,356.7 14.8 26.8 2.8 0.3 b Others 359.4 2,264.2 2,388.6 2,418.3 2,444.0 530.0 5.5 1.2 1.1 3 SHARE & OTHER INVESTMEN 61,595.5 52,697.3 46,901.4 49,318.6 47,725.1 (14.4) (11.0) 5.2 (3.2) 4 LOANS & ADVANCES 398,143.0 467,107.2 522,853.3 532,648.9 531,784.9 17.3 11.9 1.9 (0.2) a. Private Sector 387,543.3 453,049.0 503,339.4 500,667.4 513,673.6 16.9 11.1 (0.5) 2.6 b. Financial Institutions 7,991.7 11,270.6 13,362.3 25,191.4 11,447.1 41.0 18.6 88.5 (54.6) c. Government Organizations 2,608.0 2,787.6 6,151.5 6,790.1 6,664.1 6.9 120.7 10.4 (1.9) 5 BILL PURCHED 3,745.7 2,172.6 5,073.8 7,355.0 6,905.7 (42.0) 133.5 45.0 (6.1) 6 LOANS AGT. COLLECTED BILLS 17.9 98.6 96.0 217.9 354.5 452.2 (2.7) 127.0 62.7 7 FIXED ASSETS 11,004.8 13,896.1 16,098.8 17,269.5 17,232.8 26.3 15.9 7.3 (0.2) 8 OTHER ASSETS 59,152.5 60,702.9 66,675.1 73,056.6 74,702.7 2.6 9.8 9.6 2.3 a. Accrued Interests 28,776.5 25,188.4 24,341.4 27,158.3 30,014.0 (12.5) (3.4) 11.6 10.5 b. Others 30,376.0 35,514.6 42,333.7 45,898.3 44,688.7 16.9 19.2 8.4 (2.6) 9Expenses not Written off 475.2 458.8 600.7 455.0 505.2 (3.4) 30.9 (24.3) 11.0 10 Non Banking Assets 1,889.1 1,616.6 1,376.6 1,600.4 1,618.2 (14.4) (14.8) 16.3 1.1 11 Reconcillation Account 93,915.3 4,457.9 17,961.1 17,478.3 829.3 (95.3) 302.9 (2.7) (95.3) 12 Profit & Loss A/c 6,976.4 0.0 0.0 4.9 344.0 (100.0) 0.0 0.0 6925.2 TOTAL 812,165.9 787,300.9 878,364.5 922,167.4 922,998.1 (3.1) 11.6 5.0 0.1

3 Statement of Assets and Liabilities of Development Banks (Agreegate) Rs in million Mid July Mid-oct Mid-Nov Percentage changes Liabilities 2009 2010 2011 2011 2011 ColumnColumnColumn Column 12344 2/13/2 4/3 5/4 1 CAPITAL FUND 9,325.1 15,324.7 22,524.6 23,255.0 23,069.7 64.3 47.0 3.2 (0.8) a. Paid-up Capital 9,140.9 14,535.3 20,895.1 20,984.3 21,064.8 59.0 43.8 0.4 0.4 b. Statutory Reserves 244.8 221.1 1,138.3 1,370.7 1,445.9 (9.7) 414.9 20.4 5.5 c. Retained Earning (449.9) (443.9) 67.7 375.5 38.2 (1.3) ##### 455.0 (89.8) d. Others Reserves 389.3 1,012.2 423.6 524.6 520.9 160.0 (58.2) 23.8 (0.7) 2 BORROWINGS 2,622.6 4,442.8 4,700.0 3,212.3 2,866.3 69.4 5.8 (31.7) (10.8) a. NRB 84.3 660.7 2,433.7 857.3 728.6 683.7 268.4 (64.8) (15.0) b. "A"Class Licensed Institution 1,969.6 2,858.6 1,334.0 1,455.6 1,253.1 45.1 (53.3) 9.1 (13.9) 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. 528.7 808.6 557.1 471.4 466.7 52.9 (31.1) (15.4) (1.0) e. Bonds and Securities 1.9 4.8 11.0 68.3 58.2 152.0 130.1 519.8 (14.8) 3DEPOSITS 48,001.6 76,950.8 96,886.7 99,251.2 100,229.6 60.3 25.9 2.4 1.0 a. Current 519.7 1,417.4 1,860.5 1,665.9 1,541.2 172.7 31.3 (10.5) (7.5) b. Savings 26,551.0 36,106.4 42,968.3 45,959.2 46,328.1 36.0 19.0 7.0 0.8 c. Fixed 14,416.2 24,242.1 31,162.9 31,479.7 31,881.4 68.2 28.5 1.0 1.3 d. Call Deposits 5,975.3 14,605.3 20,407.7 19,553.5 19,821.1 144.4 39.7 (4.2) 1.4 e. Others 539.4 579.5 487.3 593.0 657.8 7.4 (15.9) 21.7 10.9 4 Bills Payable 27.4 6.0 17.8 12.0 46.1 (78.1) 196.1 (32.7) 284.8 5 Other Liabilities 5,584.5 8,151.2 10,834.9 12,692.8 13,717.9 46.0 32.9 17.1 8.1 1. Loan Loss Provision 2,162.1 1,921.5 3,520.4 4,040.8 3,927.5 (11.1) 83.2 14.8 (2.8) 2. Interest Suspense a/c 961.5 2,821.7 3,189.4 3,680.7 4,103.5 193.5 13.0 15.4 11.5 3. Others 2,460.9 3,407.9 4,125.1 4,971.3 5,686.9 38.5 21.0 20.5 14.4 6 Reconcillation A/c 877.8 1,412.6 2,577.4 2,459.4 2,868.1 60.9 82.5 (4.6) 16.6 7 Profit & Loss A/c 1,570.3 2,168.2 2,559.3 323.2 218.7 38.1 18.0 (87.4) (32.3) TOTAL 68,009.3 108,456.2 140,100.7 141,205.8 143,016.5 59.5 29.2 0.8 1.3 Assets 1 LIQUID FUNDS 15,999.8 26,036.3 29,411.3 30,329.7 31,089.7 62.7 13.0 3.1 2.5 a. Cash Balance 1,309.4 1,932.3 2,465.0 2,882.4 2,749.8 47.6 27.6 16.9 (4.6) Nepalese Notes & Coins 1,275.8 1,891.5 2,427.0 2,825.1 2,698.4 48.3 28.3 16.4 (4.5) Foreign Currency 33.6 40.7 38.1 57.3 51.4 21.2 (6.5) 50.5 (10.3) b. Bank Balance 10,901.5 13,190.5 13,229.8 13,347.9 14,857.9 21.0 0.3 0.9 11.3 1. In Nepal Rastra Bank 2,441.6 2,698.2 3,511.9 3,806.1 4,712.3 10.5 30.2 8.4 23.8 2. "A"Class Licensed Institution 6,185.5 6,785.6 5,973.6 6,027.0 6,262.6 9.7 (12.0) 0.9 3.9 3. Other Financial Ins. 2,265.4 3,627.7 3,685.7 3,468.5 3,823.9 60.1 1.6 (5.9) 10.2 4. In Foreign banks 9.0 79.0 58.6 46.4 59.1 777.7 (25.8) (20.9) 27.3 c. Money at Call 3,788.9 10,913.5 13,716.4 14,099.4 13,482.0 188.0 25.7 2.8 (4.4) 2 INVESTMENTS 269.4 2,073.1 2,519.6 2,690.4 2,673.4 669.5 21.5 6.8 (0.6) a. Govt.Securities 256.8 1,633.3 2,497.0 2,633.1 2,650.1 536.0 52.9 5.4 0.6 b Others 12.6 439.8 22.6 57.3 23.3 ###### (94.9) 153.5 (59.3) 3 SHARE & OTHER INVESTMEN 4,643.3 4,728.7 3,343.5 2,931.0 2,747.2 1.8 (29.3) (12.3) (6.3) 4 LOANS & ADVANCES 41,828.4 65,827.9 88,923.3 89,239.6 89,590.6 57.4 35.1 0.4 0.4 a. Private Sector 0.0 65,642.9 88,169.2 88,433.6 86,629.4 0.0 34.3 0.3 (2.0) b. Financial Institutions 0.0 177.8 609.7 649.9 2,833.6 0.0 243.0 6.6 336.0 c. Government Organizations 41,828.4 7.2 144.4 156.1 127.6 (100.0) 1899 8.1 (18.3) 5 BILL PURCHED 5.0 10.2 45.7 11.8 26.8 103.4 349.5 (74.1) 126.1 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 3,919.5 3,956.5 110.0 38.0 2.4 0.9 8 OTHER ASSETS 2,757.7 5,186.0 7,635.1 8,922.4 9,117.4 88.1 47.2 16.9 2.2 a. Accrued Interests 261.2 2,903.6 3,339.1 3,917.5 4,225.3 ###### 15.0 17.3 7.9 b. Others 2,496.5 2,282.4 4,296.0 5,004.9 4,892.1 (8.6) 88.2 16.5 (2.3) 9Expenses not Written off 85.2 79.2 110.6 104.1 96.8 (7.1) 39.7 (5.8) (7.1) 10 Non Banking Assets 112.0 24.3 12.7 83.9 203.1 (78.3) (47.7) 559.6 142.0 11 Reconcillation Account 779.1 1,508.2 2,617.5 2,458.8 2,870.6 93.6 73.5 (6.1) 16.8 12 Profit & Loss A/c 207.8 207.5 1,653.3 514.5 644.4 (0.1) 696.7 (68.9) 25.2 TOTAL 68,009.3 108,456.2 140,100.7 141,205.8 143,016.4 59.5 29.2 0.8 1.3

4 Statement of Assets and Liabilities of Finance Companies (Agreegate) Rs in million Mid July Mid-Oct Mid-Nov Percentage changes Liabilities 2009 2010 2011 2011 2011 ColumnColumnColumn Column 12344 2/13/2 4/3 5/4 1 CAPITAL FUND 10,541.0 19,437.9 21,818.4 20,340.4 20,317.0 84.4 12.2 (6.8) (0.1) a. Paid-up Capital 9,321.1 17,191.3 19,228.2 19,295.4 19,374.7 84.4 11.8 0.3 0.4 b. Statutory Reserves 1,009.5 1,390.0 1,663.1 1,878.7 1,889.1 37.7 19.6 13.0 0.6 c. Retained Earning (297.6) 162.6 482.6 (1,377.4) (1,474.7) (154.6) 196.7 (385.4) 7.1 d. Others Reserves 507.9 693.9 444.5 543.7 527.9 36.6 (35.9) 22.3 (2.9) 2 BORROWINGS 5,193.7 3,151.0 4,505.8 3,205.9 2,740.3 (39.3) 43.0 (28.9) (14.5) a. NRB 0.0 146.5 647.5 460.3 245.3 0.0 342.0 (28.9) (46.7) b. "A"Class Licensed Institution 4,008.1 2,119.0 3,261.0 2,047.3 1,902.1 (47.1) 53.9 (37.2) (7.1) 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. 1,085.6 885.5 516.4 698.3 593.0 (18.4) (41.7) 35.2 (15.1) e. Bonds and Securities 30.0 0.0 81.0 0.0 0.0 (100.0) 0.0 (100.0) 0.0 3DEPOSITS 57,073.4 77,406.3 85,476.9 82,488.3 82,898.0 35.6 10.4 (3.5) 0.5 a. Current 491.9 110.5 90.9 80.7 54.5 (77.5) (17.7) (11.3) (32.5) b. Savings 27,536.9 31,964.8 31,526.5 32,444.7 33,347.2 16.1 (1.4) 2.9 2.8 c. Fixed 27,378.5 40,834.0 47,977.0 44,762.4 44,697.3 49.1 17.5 (6.7) (0.1) d. Call Deposits 978.2 2,635.4 2,275.9 1,048.3 1,127.1 169.4 (13.6) (53.9) 7.5 e. Others 688.0 1,861.8 3,606.6 4,152.2 3,671.9 170.6 93.7 15.1 (11.6) 4 Bills Payable 1.0 24.4 4.2 1.5 2.5 ###### (82.8) (63.1) 59.5 5 Other Liabilities 10,558.3 7,871.1 11,015.7 15,395.6 16,070.9 (25.5) 40.0 39.8 4.4 1. Loan Loss Provision 2,052.8 2,325.1 5,355.3 7,641.6 7,534.6 13.3 130.3 42.7 (1.4) 2. Interest Suspense a/c 815.3 1,000.5 1,691.2 3,027.7 3,494.7 22.7 69.0 79.0 15.4 3. Others 7,690.1 4,545.5 3,969.2 4,726.3 5,041.6 (40.9) (12.7) 19.1 6.7 6 Reconcillation A/c 1,112.1 1,414.6 1,364.0 1,441.9 1,443.2 27.2 (3.6) 5.7 0.1 7 Profit & Loss A/c 2,950.6 2,903.2 2,432.0 205.8 177.7 (1.6) (16.2) (91.5) (13.6) TOTAL 87,430.1 112,208.5 126,617.0 123,079.3 123,649.7 28.3 12.8 (2.8) 0.5 Assets 1 LIQUID FUNDS 16,406.6 21,717.9 20,511.0 19,437.1 20,121.6 32.4 (5.6) (5.2) 3.5 a. Cash Balance 605.4 949.5 1,219.9 1,344.2 1,248.9 56.8 28.5 10.2 (7.1) Nepalese Notes & Coins 604.2 948.7 1,218.3 1,343.3 1,248.1 57.0 28.4 10.3 (7.1) Foreign Currency 1.3 0.8 1.7 1.0 0.9 (37.6) 108.0 (41.7) (12.0) b. Bank Balance 10,426.9 15,076.2 13,698.6 12,744.8 13,314.8 44.6 (9.1) (7.0) 4.5 1. In Nepal Rastra Bank 2,267.0 2,538.3 2,410.0 3,200.3 3,326.7 12.0 (5.1) 32.8 3.9 2. "A"Class Licensed Institution 5,961.7 8,105.1 6,082.4 5,701.4 6,074.1 36.0 (25.0) (6.3) 6.5 3. Other Financial Ins. 2,198.2 4,432.8 5,206.2 3,843.2 3,914.0 101.7 17.4 (26.2) 1.8 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 5,348.1 5,557.9 5.9 (1.8) (4.4) 3.9 2 INVESTMENTS 815.7 1,224.6 2,386.8 2,095.5 2,318.2 50.1 94.9 (12.2) 10.6 a. Govt.Securities 785.7 1,209.3 2,350.8 2,081.3 2,266.6 53.9 94.4 (11.5) 8.9 b Others 30.0 15.3 36.0 14.3 51.6 (49.2) 136.0 (60.4) 261.9 3 SHARE & OTHER INVESTMEN 2,449.8 3,203.2 3,337.9 2,460.9 2,089.2 30.8 4.2 (26.3) (15.1) 4 LOANS & ADVANCES 59,921.2 76,986.8 87,002.3 84,596.0 84,154.3 28.5 13.0 (2.8) (0.5) a. Private Sector 45,186.8 74,904.8 83,605.2 81,316.5 80,739.5 65.8 11.6 (2.7) (0.7) b. Financial Institutions 4,590.1 1,363.8 3,327.9 3,221.8 3,357.1 (70.3) 144.0 (3.2) 4.2 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 19.7 13.3 (52.7) (59.4) (34.7) (32.6) 6 LOANS AGT. COLLECTED BILLS 0.0 0.0 0.0 1.0 0.0 0.0 0.0 0.0 (100.0) 7 FIXED ASSETS 2,678.2 3,734.9 4,333.7 4,342.3 4,356.1 39.5 16.0 0.2 0.3 8 OTHER ASSETS 2,892.6 3,342.9 4,828.0 6,993.2 7,443.6 15.6 44.4 44.8 6.4 a. Accrued Interests 867.6 1,041.1 2,009.2 3,271.3 3,739.2 20.0 93.0 62.8 14.3 b. Others 2,025.1 2,301.8 2,818.8 3,722.0 3,704.4 13.7 22.5 32.0 (0.5) 9Expenses not Written off 62.4 79.7 64.0 69.9 69.7 27.7 (19.7) 9.2 (0.2) 10 Non Banking Assets 305.3 188.2 160.4 186.2 168.1 (38.4) (14.8) 16.1 (9.7) 11 Reconcillation Account 1,080.2 1,428.0 1,401.7 1,522.9 1,520.7 32.2 (1.8) 8.6 (0.1) 12 Profit & Loss A/c 661.1 228.0 2,561.1 1,354.5 1,394.9 (65.5) 1023 (47.1) 3.0 TOTAL 87,430.1 112,208.5 126,617.0 123,079.3 123,649.7 28.3 12.8 (2.8) 0.5

5 Statement of Assets and Liabilities of Micro-credit Development Banks (Agreegate) Rs in million Mid July Mid-Oct Mid-Nov Percentage changes Liabilities 2009 2010 2011 2011 2011 ColumnColumnColumn Column 12344 2/13/2 4/3 5/4 1 CAPITAL FUND 1,939.8 2,174.7 2,408.8 2,889.3 2,628.3 12.1 10.8 19.9 (9.0) a. Paid-up Capital 1,098.9 1,272.7 1,546.3 1,549.2 1,376.9 15.8 21.5 0.2 (11.1) b. Statutory Reserves 148.2 162.9 245.6 265.8 258.0 10.0 50.7 8.2 (2.9) c. Retained Earning 85.9 125.2 (25.6) 412.0 339.0 45.8 ##### (1711) (17.7) d. Others Reserves 606.9 613.8 642.5 662.3 654.5 1.1 4.7 3.1 (1.2) 2 BORROWINGS 8,972.9 10,753.8 13,037.6 13,797.8 12,208.8 19.8 21.2 5.8 (11.5) a. NRB 164.0 210.4 200.9 193.6 336.0 28.3 (4.5) (3.6) 73.5 b. "A"Class Licensed Institution 5,372.8 7,700.0 6,806.6 9,187.9 7,466.5 43.3 (11.6) 35.0 (18.7) 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 2,736.3 2,726.3 (40.9) 285.1 (37.1) (0.4) e. Bonds and Securities 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 3DEPOSITS 2,000.6 2,574.3 3,537.4 4,037.1 3,820.9 28.7 37.4 14.1 (5.4) a. Current 0.0 2.7 0.9 103.7 340.1 0.0 (67.2) 11555 227.9 b. Savings 1,219.1 1,517.0 3,535.9 3,797.6 3,351.5 24.4 133.1 7.4 (11.7) c. Fixed 5.7 9.1 0.0 18.4 19.1 61.3 ##### 0.0 4.2 d. Call Deposits 0.3 0.0 0.0 0.0 0.0 (100.0) 0.0 0.0 0.0 e. Others 775.6 1,045.5 0.6 117.4 110.2 34.8 (99.9) 21011 (6.2) 4 Bills Payable 79.8 0.0 0.0 0.0 0.0 (100.0) 0.0 0.0 0.0 5 Other Liabilities 2,135.5 1,415.5 1,818.6 2,151.6 1,850.4 (33.7) 28.5 18.3 (14.0) 1. Loan Loss Provision 362.4 388.8 436.3 519.8 427.0 7.3 12.2 19.1 (17.9) 2. Interest Suspense a/c 159.5 275.4 354.0 346.8 218.1 72.7 28.5 (2.0) (37.1) 3. Others 1,613.6 751.3 1,028.4 1,285.1 1,205.3 (53.4) 36.9 25.0 (6.2) 6 Reconcillation A/c 117.0 1,726.4 223.2 2,228.5 2,409.2 ###### (87.1) 898.4 8.1 7 Profit & Loss A/c 193.1 277.4 470.7 155.6 205.9 43.6 69.7 (66.9) 32.3 Total 15,438.8 18,922.1 21,496.4 25,259.9 23,123.6 22.6 13.6 17.5 (8.5) Assets 1 LIQUID FUNDS 2,855.1 2,172.8 3,272.2 3,860.7 3,517.2 (23.9) 50.6 18.0 (8.9) a. Cash Balance 50.7 24.9 31.8 36.7 25.8 (50.8) 27.5 15.4 (29.6) Nepalese Notes & Coins 50.7 24.9 31.8 36.7 25.8 (50.8) 27.5 15.4 (29.6) Foreign Currency 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 b. Bank Balance 2,539.1 1,691.9 2,632.4 2,734.8 2,611.5 (33.4) 55.6 3.9 (4.5) 1. In Nepal Rastra Bank 80.9 93.5 71.1 210.2 60.0 15.6 (24.0) 195.7 (71.5) 2. "A"Class Licensed Institution 2,002.3 1,081.8 1,885.0 1,889.0 2,011.1 (46.0) 74.3 0.2 6.5 3. Other Financial Ins. 456.0 516.6 676.3 635.6 540.4 13.3 30.9 (6.0) (15.0) 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 265.2 456.0 608.1 1,089.3 879.9 71.9 33.4 79.1 (19.2) 2 INVESTMENTS 66.2 111.2 164.7 52.0 51.2 68.0 48.1 (68.4) (1.5) a. Govt.Securities 51.2 111.2 51.2 51.2 51.2 117.1 (53.9) 0.0 (0.0) b Others 15.0 0.0 113.5 0.8 0.0 (100.0) 0.0 (99.3) (100.0) 3 SHARE & OTHER INVESTMEN 2,002.0 2,424.6 1,560.5 1,635.4 1,563.7 21.1 (35.6) 4.8 (4.4) 4 LOANS & ADVANCES 8,222.8 11,117.0 14,649.9 15,853.0 14,287.7 35.2 31.8 8.2 (9.9) a. Private Sector 1,500.1 0.0 8,464.0 8,298.6 6,691.6 (100.0) 0.0 (2.0) (19.4) b. Financial Institutions 257.1 0.0 6,185.9 7,554.4 7,596.1 (100.0) 0.0 22.1 0.6 c. Government Organizations 6,465.5 11,117.0 0.0 0.0 0.0 71.9 ##### 0.0 0.0 5 BILL PURCHED 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 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 183.0 225.5 259.3 273.9 255.8 23.2 15.0 5.6 (6.6) 8 OTHER ASSETS 1,723.4 907.8 1,253.2 1,437.9 1,125.4 (47.3) 38.0 14.7 (21.7) a. Accrued Interests 189.5 313.7 359.1 310.2 192.1 65.5 14.5 (13.6) (38.1) b. Others 1,533.8 594.1 894.1 1,127.7 933.3 (61.3) 50.5 26.1 (17.2) 9Expenses not Written off 5.7 1.5 1.1 2.2 2.0 (73.4) (28.8) 104.6 (7.5) 10 Non Banking Assets 0.0 0.0 0.0 0.0 143.6 0.0 0.0 0.0 0.0 11 Reconcillation Account 101.2 1,712.1 253.0 1,901.5 2,135.3 ###### (85.2) 651.5 12.3 12 Profit & Loss A/c 279.4 249.7 82.5 242.5 41.6 (10.6) (67.0) 194.0 (82.8) USES OF FUNDS 15,438.8 18,922.2 21,496.4 25,259.2 23,123.6 22.6 13.6 17.5 (8.5)

6 Statement of Assets and Liabilities Rs. In million Liabilities Class "A" Class "B" Class "C" Class "D" Total 1 CAPITAL FUND 69,278.3 23,069.7 20,317.0 2,628.3 115,293.3 a. Paid‐up Capital 58,996.3 21,064.8 19,374.7 1,376.9 100,812.6 b. Calls in Advance 129.1 186.0 315.1 c. General Reserves 16,365.4 1,445.9 1,889.1 258.0 19,958.3 d. Share Premium 262.1 63.5 84.6 4.9 415.1 e. Retained Earning ‐17,343.1 38.2 ‐1,474.7 339.0 ‐18,440.7 f. Others Reserves Fund 10,287.6 323.6 257.3 649.5 11,518.1 g. Exchange Fluctuation Fund 710.0 4.8 0.0 714.8 2 BORROWINGS 14,805.2 2,866.3 2,740.3 12,208.8 32,620.7 a. NRB 3,774.2 728.6 245.3 336.0 5,084.2 b. "A"Class Licensed Institution 2,389.9 1,253.1 1,902.1 7,466.5 13,011.5 c. Foreign Banks and Fin. Ins. 2,833.4 359.8 1,680.0 4,873.1 d. Other Financial Ins. 280.0 466.7 593.0 2,726.3 4,065.9 e. Bonds and Securities 5,527.8 58.2 5,586.0 3 DEPOSITS 735,716.0 100,229.6 82,898.0 3,820.9 922,664.6 a. Current 69,271.8 1,541.2 54.5 340.1 71,207.6 Domestic 60,310.0 1,532.9 54.5 286.6 62,184.1 Foreign 8,961.7 8.2 53.5 9,023.5 b. Savings 245,883.3 46,328.1 33,347.2 3,351.5 328,910.1 Domestic 240,460.0 46,222.7 33,347.2 3,351.5 323,381.4 Foreign 5,423.4 105.4 5,528.8 c. Fixed 280,649.8 31,881.4 44,697.3 19.1 357,247.6 Domestic 247,025.0 31,416.8 43,681.0 19.1 322,141.9 Foreign 33,624.8 464.7 1,016.3 35,105.7 d. Call Deposits 131,689.1 19,821.1 1,127.1 152,637.4 e. Others 8,222.0 657.8 3,671.9 110.2 12,661.9 4 Bills Payable 920.3 46.1 2.5 968.9 5 Other Liabilities 92,623.4 13,717.9 16,070.9 1,850.4 124,262.7 1. Sundry Creditors 9,824.3 358.8 652.8 220.3 11,056.3 2. Loan Loss Provision 23,872.7 3,927.5 7,534.6 427.0 35,761.9 3. Interest Suspense a/c 25,800.2 4,103.5 3,494.7 218.1 33,616.5 4. Others 33,126.1 5,328.1 4,388.8 985.0 43,828.0 6 Reconcillation A/c 6,307.9 2,868.1 1,443.2 2,409.2 13,028.3 7 Profit & Loss A/c 3,347.1 218.7 177.7 205.9 3,949.4 TOTAL LIABILITIES 922,998.1 143,016.5 123,649.7 23,123.6 1,212,787.8

7 Assets Class "A" Class "B" Class "C" Class "D" Total 1 LIQUID FUNDS 135,195.0 31,089.7 20,121.6 3,517.2 189,923.5 a. Cash Balance 20,262.3 2,749.8 1,248.9 25.8 24,286.9 Nepalese Notes & Coins 19,216.2 2,698.4 1,248.1 25.8 23,188.4 Foreign Currency 1,046.2 51.4 0.9 1,098.5 b. Bank Balance 106,731.1 14,857.9 13,314.8 2,611.5 137,515.3 1. In Nepal Rastra Bank 92,394.2 4,712.3 3,326.7 60.0 100,493.1 Domestic Currency 91,634.2 4,705.0 3,326.7 60.0 99,725.8 Foreign Currency 760.0 7.4 0.0 767.4 2. "A"Class Licensed Institution 3,066.3 6,262.6 6,074.1 2,011.1 17,414.1 Domestic Currency 2,823.5 6,259.1 6,074.1 2,011.1 17,167.8 Foreign Currency 242.8 3.5 0.1 0.0 246.4 3. Other Financial Ins. 24.1 3,823.9 3,914.0 540.4 8,302.4 4. In Foreign Banks 11,246.5 59.1 11,305.6 c. Money at Call 8,201.5 13,482.0 5,557.9 879.9 28,121.3 Domestic Currency 2,446.3 13,359.7 5,463.2 879.9 22,149.1 Foreign Currency 5,755.2 122.3 94.7 5,972.2 2 INVESTMENT IN SECURITIES 105,800.7 2,673.4 2,318.2 51.2 110,843.5 a. Govt.Securities 103,356.7 2,650.1 2,266.6 51.2 108,324.6 b. NRB Bond 19.5 10.0 29.5 c. Govt.Non‐Fin. Ins. 1,951.5 1,951.5 d. Other Non‐Fin Ins. 120.0 13.3 51.6 184.9 e Non Residents 353.0 353.0 3 SHARE & OTHER INVESTMENT 47,725.1 2,747.2 2,089.2 1,563.7 54,125.2 a. Non Residents 36,825.6 135.9 46.4 37,007.9 b. Others 10,899.5 2,611.3 2,042.8 1,563.7 17,117.3 4 LOANS & ADVANCES 531,784.9 89,590.6 84,154.3 14,287.7 719,817.4 a. Private Sector 513,673.6 86,629.4 80,739.5 6,691.6 687,734.1 b. Financial Institutions 11,447.1 2,833.6 3,357.1 7,596.1 25,234.0 c. Government Organizations 6,664.1 127.6 57.7 6,849.4 5 BILL PURCHASED 6,905.7 26.8 13.3 6,945.8 a. Domestic Bills Purchased 438.4 26.8 13.3 478.5 b. Foreign Bills Purchased 4,211.4 4,211.4 c. Import Bills & Imports 2,255.9 2,255.9 6 LOANS AGAINST COLLECTED BILLS 354.5 354.5 a. Against Domestic Bills 63.8 63.8 b. Against Foreign Bills 290.6 290.6 7 FIXED ASSETS 17,232.8 3,956.5 4,356.1 255.8 25,801.3 8 OTHER ASSETS 74,702.7 9,117.4 7,443.6 1,125.4 92,389.1 a. Accrued Interest: 30,014.0 4,225.3 3,739.2 192.1 38,170.6 Financial Institutions 1,835.8 2,507.8 224.0 42.5 4,610.1 Government Enterprises 231.4 20.2 7.3 0.3 259.1 Private Sector 27,946.9 1,697.3 3,508.0 149.3 33,301.4 b. Staff Loans / Adv. 12,460.1 489.6 311.4 458.9 13,719.9 c. Sundry Debtors 10,255.2 746.5 551.1 221.1 11,773.8 d. Cash In Transit 516.2 7.0 38.1 561.2 e. Others 21,457.2 3,649.1 2,841.9 215.3 28,163.5 9 Expenses not Written off 505.2 96.8 69.7 2.0 673.8 10 Non Banking Assets 1,618.2 203.1 168.1 143.6 2,133.0 11 Reconcillation Account 829.3 2,870.6 1,520.7 2,135.3 7,356.0 12 Profit & Loss A/c 344.0 644.4 1,394.9 41.6 2,424.9 TOTAL ASSETS 922,998.1 143,016.4 123,649.7 23,123.6 1,212,787.8

8 Agregate Profit & Loss Account Rs. In million Expenses Class "A" Class "B" Class "C" Class "D" Total 1 Interest Expenses 16,255.2 3,491.6 3,371.8 367.0 23,485.5 1.1 Deposit Liabilities 16,083.7 3,379.1 3,201.3 90.5 22,754.6 1.1.1 Saving A/c 3,999.4 1,367.9 1,106.1 90.0 6,563.4 1.1.2 Fixed A/c 8,909.9 1,338.1 2,004.2 0.4 12,252.7 1.1.2.1 Upto 3 Months Fixed A/c 607.1 73.2 83.1 763.4 1.1.2.2 3 to 6 Months fixed A/c 583.0 45.2 61.4 689.6 1.1.2.3 6 Months to 1 Year Fixed A/c 3,373.2 700.9 993.3 0.1 5,067.5 1.1.2.4 Above 1 Year 4,346.6 518.8 866.4 0.4 5,732.2 1.1.3 Call Deposit 3,167.3 673.1 90.9 3,931.4 1.1.4 Certificate of Deposits 7.1 0.1 7.2 1.2 Others 171.5 112.5 170.5 276.5 730.9 2 Commission/Fee Expense 107.4 2.2 0.8 6.9 117.4 3 Employees Expenses 3,215.1 511.1 343.8 262.2 4,332.2 4 Office Operatiing Expenses 2,410.2 553.9 365.0 72.7 3,401.9 5 Exchange Fluctuation Loss 10.7 4.7 15.4 5.1 Due to Change in Exchange Rates 2.5 4.7 7.2 5.2 Due to Foreign Currency Transactions 8.2 0.0 8.2 6 Non‐Operatiing Expenses 11.8 71.9 22.9 106.5 7. Provision for Risk 1,831.1 693.3 1,193.4 70.2 3,788.0 7.1 Loan loss Provision 1,815.9 572.7 1,189.2 70.2 3,647.9 7.1.1 General Loan loss Provision 279.7 128.2 109.0 65.1 582.0 7.1.2 Special Loan Loss Provision 1,484.2 444.2 1,055.7 5.0 2,989.2 7.1.3 Additional Loan Loss Provision 52.1 0.2 24.4 76.7 7.2. Provision for Non‐Banking Assets 8.7 119.2 4.2 132.1 7.3. Provision for Loss on Investment 5.5 1.4 0.0 0.0 6.9 7.4. Provision for Loss of Other Assets 1.0 0.0 1.0 8 Loan Written Off 94.1 0.0 0.5 94.6 9 Provision for Staff Bonus 377.0 23.4 12.7 12.3 425.4 10 Provision for Income Tax 1,113.8 68.1 37.2 36.9 1,256.0 11 Others 3.1 2.2 1.4 6.6 12 Net Profit 3,347.1 218.7 177.7 205.9 3,949.4 TOTAL EXPENSES 28,776.5 5,641.2 5,527.2 1,034.0 40,978.8

Income Class "A" Class "B" Class "C" Class "D" Total 1. Interest Income 24,634.8 4,500.9 3,768.0 888.9 33,792.7 1.1. On Loans and Advance 21,681.4 3,765.2 3,243.7 786.4 29,476.7 1.2. On Investment 2,351.6 56.0 35.6 2.1 2,445.3 1.2.1 Government Bonds 2,122.0 46.2 29.4 0.3 2,197.9 1.2.2 Foreign Bonds 13.1 13.1 1.2.3 NRB Bonds 204.3 2.0 5.1 0.8 212.3 1.2.4 Deventure & Bonds 12.0 7.8 1.1 0.9 21.9 1.3 Agency Balance 151.6 37.6 39.5 1.0 229.7 1.4 On Call Deposit 152.3 487.1 246.5 56.6 942.5 1.5 Others 297.9 155.0 202.8 42.8 698.5 2. Comission & Discount 1,423.1 134.7 76.8 7.0 1,641.6 2.1 Bills Purchase & Discount 68.4 1.4 0.1 69.9 2.2 Comission 1,174.0 57.9 43.3 0.7 1,275.9 2.3 Others 180.7 75.5 33.4 6.2 295.8 3 Income From Exchange Fluctuation 964.5 8.0 9.4 981.9 3.1 Due to Change in Exchange Rate 338.0 ‐0.1 9.4 347.3 3.2 Due to Foreign Currency Trans. 626.6 8.0 634.6 4 Other Operating Income 461.4 175.2 124.7 81.1 842.3 5 Non Operating Income 30.3 19.1 11.8 10.6 71.8 6 Provision Written Back 622.6 158.5 133.5 5.1 919.6 7 Recovery from Written off Loan 153.0 0.4 8.3 161.6 8 Income from Extra Ordinary Expenses 142.9 0.0 142.9 9 Net Loss 344.0 644.3 1,394.9 41.3 2,424.5 TOTAL INCOME 28,776.59 5,641.1 5,527.3 1,034.0 40,978.9 Agregate Statement of Sector wise, Product wise and Security wise Credit Rs. In million Sectorwise Class "A" Class "B" Class "C" Class "D" Total 1 Agricultural and Forest Related 16,436.2 2,829.7 1,621.8 5,047.5 25,935.2 2 Fishery Related 1,698.9 27.2 10.7 1,736.7 3 Mining Related 2,818.3 240.8 247.3 0.0 3,306.5 4 Manufacturing (Producing) Related 119,914.8 7,187.5 6,816.7 401.7 134,320.8 5 Construction 55,050.0 11,287.1 13,665.8 0.2 80,003.1 6 Electricity,Gas and Water 8,227.3 1,265.5 218.4 2.3 9,713.4 7 Metal Products, Machinary & Electronic Equipment & Assemblage 7,534.3 1,342.5 1,133.0 22.8 10,032.6 8 Transport, Communication and Public Utilities 25,388.0 8,639.9 7,336.4 93.2 41,457.5 9 Wholesaler & Retailer 106,930.8 17,567.9 14,062.6 2,495.0 141,056.3 10 Finance, Insurance and Real Estate 58,836.6 9,267.0 9,938.1 2,525.5 80,567.2 11 Hotel or Restaurant 13,163.7 3,012.8 2,626.4 126.9 18,929.8 12 Other Services 24,901.2 5,528.8 3,924.5 686.9 35,041.3 13 Consumption Loans 32,589.7 5,440.0 6,087.3 44,117.0 14 Local Government 1,015.0 58.0 40.0 1,113.0 15 Others 64,540.4 15,596.3 16,438.5 1,868.9 98,444.1 TOTAL 539,045.1 89,291.2 84,167.6 13,270.8 725,774.6

Product wise Class "A" Class "B" Class "C" Class "D" Total 1 Term Loan 85,627.2 11,246.2 13,708.3 110,581.6 2 Overdraft 92,312.4 21,819.1 836.3 114,967.7 3 Trust Receipt Loan / Import Loan 32,015.9 202.0 34.4 32,252.3 4 Demand & Other Working Capital Loan 119,098.2 12,019.0 20,004.8 151,122.1 5 Residential Personal Home Loan (Up to Rs. 80 Lakh) 29,573.0 6,258.2 6,604.6 42,435.8 6 Real Estate Loan 68,493.2 12,553.3 15,996.2 97,042.7 7 Margin Nature Loan 6,574.3 2,085.2 2,589.7 11,249.2 8 Hire Purchase Loan 34,311.0 10,119.0 8,724.5 53,154.5 9 Deprived Sector Loan 16,033.7 3,010.5 1,771.6 12,189.6 33,005.4 10 Bills Purchased 6,923.7 57.5 19.3 7,000.5 11 Other Product 48,082.5 10,235.4 13,877.9 1,081.2 73,277.0 TOTAL LOAN & ADVANCES 539,045.1 89,605.5 84,167.6 13,270.8 726,088.9

Collateral Wise Class "A" Class "B" Class "C" Class "D" Total 1 Gold and Silver 16,928.4 973.3 211.6 18,113.2 2 Government Securities 2,646.3 22.2 9.1 2,677.6 3 Non Governmental Securities 4,944.9 1,759.7 1,122.5 7,827.1 4 Fixed Deposit Receipts 7,036.1 1,522.3 2,963.8 11,522.2 4.1 Own 6,408.8 1,519.5 2,958.2 10,886.5 4.2 Other Licences Institutions 627.3 2.8 5.7 635.7 5 Collateral of Properties 456,237.0 80,584.7 76,230.4 928.8 613,980.8 5.1 Fixed Assets 370,479.2 80,093.5 75,654.1 928.8 527,155.5 5.2 Current Assets 85,757.8 491.1 576.3 86,825.3 6 Against security of Bill 9,069.6 9.9 3.0 9,082.4 6.1 Domestic Bills 491.9 9.9 3.0 504.8 6.2 Foreign Bills 8,577.7 8,577.7 7 Against Guarantee 9,622.1 1,482.3 921.1 7,880.1 19,905.7 7.1 Government Guarantee 2,224.6 66.0 85.8 2,376.4 7.2 Institutional Guarantee 4,730.1 467.0 389.6 363.4 5,950.1 7.3 Personal Guarantee 1,029.6 714.3 303.5 1,067.4 3,114.8 7.4 Collective Guarantee 25.3 175.5 16.8 4,277.6 4,495.2

7.5 International Rated Foreign Bank's Guarantee 110.3 53.3 163.6 7.6 Other Guarantee 1,502.1 6.3 125.4 2,171.6 3,805.5 8 Credit Card 438.9 438.9 9 Others 32,121.8 1,558.5 2,706.1 4,461.9 40,848.3 Total 539,045.1 87,912.9 84,167.6 13,270.8 724,396.3

10 Statement of Assets and Liabilities of Commercial Banks EBL

Liabilities NBL RBB HBL NBB NSBI NIBL NABIL SCBNL

1 CAPITAL FUND ‐4224.00 ‐7754.49 4566.52 5159.76 3677.78 4801.99 2972.76 2454.55 3113.53 a. Paid‐up Capital 380.00 1172.30 2029.77 2409.10 1610.17 2000.00 1869.30 2009.40 1391.57 b. Calls in Advance c. General Reserves 1609.00 2316.37 1836.50 1324.53 1636.33 1012.80 382.87 956.84 803.45 d. Share Premium 0.07 11.85 49.66 35.87 14.78 e. Retained Earning ‐6869.00 ‐12915.49 493.39 857.81 96.66 1499.37 468.81 ‐679.25 36.09 f. Others Reserves Fund 588.00 1672.33 109.28 519.28 75.43 266.73 191.91 74.67 844.74 g. Exchange Fluctuation Fund 68.00 97.50 37.19 259.19 23.09 10.20 57.03 22.90 2 BORROWINGS 2074.00 2826.11 643.66 1266.91 591.20 200.00 300.00 a. NRB 2712.63 10.00 b. "A"Class Licensed Institution 343.66 216.91 81.20 c. Foreign Banks and Fin. Ins. 2074.00 500.00 d. Other Financial Ins. 113.48 e. Bonds and Securities 300.00 1050.00 200.00 300.00 3 DEPOSITS 46373.00 71438.01 54947.23 51987.53 39535.07 44275.13 48387.82 12669.68 44432.94 a. Current 8550.00 13391.82 5542.71 4042.53 13237.02 4056.58 2614.47 854.09 3932.51 Domestic 8365.00 13350.05 4219.49 3372.56 8296.55 3170.13 2466.75 749.84 3877.97 Foreign 185.00 41.77 1323.22 669.97 4940.47 886.45 147.72 104.25 54.54 b. Savings 28131.00 39218.35 15352.22 14880.94 12882.15 18172.94 8469.59 6038.70 14309.33 Domestic 28120.00 39212.25 14112.10 14262.73 10881.31 17499.71 8421.47 6020.50 14217.60 Foreign 11.00 6.10 1240.12 618.21 2000.84 673.23 48.12 18.20 91.73 c. Fixed 8592.00 16068.27 17537.57 19883.47 7569.07 13447.02 34246.24 2829.26 16153.28 Domestic 8520.00 16068.27 16250.23 18575.92 4973.61 12392.53 16314.01 2654.61 15627.09 Foreign 72.00 1287.33 1307.55 2595.45 1054.49 17932.23 174.65 526.19 d. Call Deposits 713.00 2113.42 15805.84 12545.91 5351.55 7556.34 2870.07 2702.76 9412.99 e. Others 387.00 646.15 708.89 634.69 495.29 1042.25 187.45 244.87 624.83 4 Bills Payable 48.00 20.84 344.07 5.36 58.67 52.53 96.12 10.47 125.12 5 Other Liabilities 8377.10 22071.34 5769.01 4721.52 3279.07 3321.27 2001.35 4910.84 1775.52 1. Sundry Creditors 3547.00 708.57 1001.17 483.44 262.11 350.16 194.09 116.66 2. Loan Loss Provision 1440.00 4622.18 1223.67 1025.65 238.02 1516.61 377.36 1799.78 623.55 3. Interest Suspense a/c 2861.00 15287.10 263.50 276.54 236.51 760.55 337.76 1125.33 370.86 4. Others 529.10 1453.49 3280.68 2935.90 2542.44 1044.11 936.05 1791.64 664.45 6 Reconcillation A/c 5011.00 1344.14 43.43 0.00 12.49 10.01 7 Profit & Loss A/c 310.00 231.97 387.56 257.89 400.78 338.00 14.53 34.52 357.37 TOTAL LIABILITIES 57969.10 90177.92 66658.05 63442.41 46951.36 53380.12 53672.58 20092.57 50114.49 Assets 1 LIQUID FUNDS 11317.00 16030.11 5647.11 9377.18 11387.58 5825.84 6271.69 2313.81 7939.60 a. Cash Balance 1927.00 2006.67 862.55 1450.51 635.24 842.50 1131.44 472.69 900.48 Nepalese Notes & Coins 1856.00 1921.06 802.84 1343.14 543.10 713.16 1098.47 451.20 869.27 Foreign Currency 71.00 85.61 59.71 107.37 92.14 129.34 32.98 21.50 31.21 b. Bank Balance 9390.00 14023.44 4493.15 7904.86 6273.19 4902.76 5140.25 1841.12 7039.12 1. In Nepal Rastra Bank 7901.00 13542.04 3449.39 6921.61 5433.86 4398.18 2327.97 1566.97 6727.62 Domestic Currency 7851.00 13533.50 3429.03 6852.89 5338.80 4268.18 2310.04 1529.65 6618.92 Foreign Currency 50.00 8.54 20.36 68.72 95.06 130.00 17.94 37.32 108.70 2. "A"Class Licensed Institution 663.00 35.57 29.57 33.25 86.89 98.20 43.26 12.23 36.88 Domestic Currency 663.00 35.57 29.57 33.22 86.89 96.61 38.21 11.39 37.74 Foreign Currency 0.04 1.59 5.05 0.84 ‐0.86 3. Other Financial Ins. 6.02 4. In Foreign Banks 826.00 445.83 1014.19 949.99 752.44 406.38 2769.01 255.90 274.62 c. Money at Call 291.42 21.81 4479.15 80.58 Domestic Currency 100.00 58.00 Foreign Currency 191.42 21.81 4479.15 22.58 2 INVESTMENT IN SECURITIES 6518.00 13960.51 8886.00 4494.60 10550.76 7944.28 5125.48 3179.22 5953.13 a. Govt.Securities 6518.00 13748.19 8683.21 4494.60 10542.27 6263.64 5125.48 3179.22 5953.13 b. NRB Bond c. Govt.Non‐Fin. Ins. 212.32 8.49 1680.64 d. Other Non‐Fin Ins. e Non Residents 202.79 3 SHARE & OTHER INVESTMENT 2314.00 3155.70 6597.04 3671.92 4770.35 936.53 17880.31 257.81 1083.98 a. Non Residents 2038.00 4409.99 3485.74 4660.92 359.33 17840.67 103.44 771.40 b. Others 276.00 3155.70 2187.06 186.17 109.43 577.20 39.65 154.37 312.58 4 LOANS & ADVANCES 26705.00 34734.56 40489.36 41496.53 16838.31 31839.96 21904.35 10581.60 32950.31 a. Private Sector 26675.00 34293.32 39479.44 40200.10 15416.85 31839.96 21339.24 10297.18 27579.62 b. Financial Institutions 30.00 102.02 729.93 696.02 1282.66 565.11 191.72 3215.93 c. Government Organizations 339.22 279.99 600.41 138.81 92.70 2154.76 5 BILL PURCHASED 15.10 80.89 33.01 234.80 1199.78 2494.28 12.87 74.63 39.51 a. Domestic Bills Purchased 58.92 2.74 54.66 0.08 53.37 48.10 1.92 b. Foreign Bills Purchased 14.00 21.88 30.27 56.02 1199.70 2440.91 12.87 26.54 37.59 c. Import Bills & Imports 1.10 0.09 124.12 6 LOANS AGAINST COLLECTED BILLS 62.92 a. Against Domestic Bills 40.01 b. Against Foreign Bills 22.91 7 FIXED ASSETS 359.00 997.12 903.56 1111.67 499.40 1124.07 1051.21 306.61 506.59 8 OTHER ASSETS 8939.00 22512.23 4039.04 3055.71 1678.81 3011.22 1419.21 3055.46 1589.58 a. Accrued Interest: 2851.00 15576.77 853.38 713.04 558.80 1238.46 527.70 1179.01 583.63 b. Staff Loans / Adv. 469.24 83.04 7.34 39.12 234.91 1.23 212.77 c. Sundry Debtors 14.43 1.99 22.35 0.38 d. Cash In Transit 2851.00 15093.10 770.34 703.71 497.33 1003.55 527.70 1177.40 370.86 e. Others 1851.00 3182.93 749.20 117.71 207.48 879.71 189.33 311.70 692.93 9 Expenses not Written off 1131.00 865.24 596.82 179.27 135.74 87.49 245.74 41.12 152.43 10 Non Banking Assets 466.39 11 Reconcillation Account 3106.00 2420.90 1839.64 2045.70 776.79 805.56 456.44 1523.63 160.59 12 Profit & Loss A/c TOTAL ASSETS 57969.10 90177.92 66658.05 63442.41 46951.36 53380.12 53672.58 20092.57 50114.49

11 NIC Liabilities SBL BOK NCC MBL Laxmi Global ADBNL Kumari Lumbini

1 CAPITAL FUND 2435.19 1873.58 2475.64 1849.17 1786.65 2400.90 2113.18 2344.40 12511.60 1709.48 a. Paid‐up Capital 1604.19 1400.00 1311.55 1430.00 1627.20 1485.00 1613.52 1571.13 9474.30 1601.45 b. Calls in Advance c. General Reserves 585.31 298.08 310.54 330.84 127.31 235.44 230.03 166.55 1329.40 77.10 d. Share Premium 0.08 41.87 5.28 4.44 13.07 13.69 e. Retained Earning 13.37 141.18 712.79 20.89 22.95 17.65 11.27 511.40 ‐2783.53 0.27 f. Others Reserves Fund 195.33 33.35 85.47 60.34 651.99 233.92 74.95 4482.21 13.89 g. Exchange Fluctuation Fund 37.00 0.89 13.42 1.83 9.19 6.38 11.37 6.67 9.22 16.76 2 BORROWINGS 200.00 362.20 432.15 901.34 350.00 532.15 2541.40 a. NRB 427.67 384.00 119.93 b. "A"Class Licensed Institution 162.20 4.48 117.34 c. Foreign Banks and Fin. Ins. 259.38 d. Other Financial Ins. 45.00 121.47 e. Bonds and Securities 200.00 200.00 400.00 350.00 227.77 2300.00 3 DEPOSITS 21600.52 12240.68 18943.26 7052.86 17467.10 18673.21 18751.05 21617.48 34880.14 17214.25 a. Current 2204.92 504.00 1405.95 318.99 494.81 701.14 664.74 403.43 2700.02 608.68 Domestic 2016.28 491.45 1368.49 261.15 470.80 675.59 577.01 343.87 2700.02 586.05 Foreign 188.64 12.55 37.46 57.85 24.01 25.55 87.73 59.56 22.64 b. Savings 7185.19 5061.91 3893.96 2012.62 6256.84 4917.74 3528.73 3441.69 18279.43 4422.53 Domestic 6975.05 4990.14 3847.93 1999.19 6237.13 4849.25 3415.55 3419.69 18261.05 4368.20 Foreign 210.13 71.77 46.03 13.43 19.71 68.49 113.19 21.99 18.38 54.33 c. Fixed 8390.99 3737.20 9333.50 3835.24 5667.23 7781.90 9634.01 11667.92 13853.17 8053.27 Domestic 7453.40 3737.20 8600.18 3819.79 5586.32 7202.96 8355.86 10883.92 13853.17 7661.50 Foreign 937.59 733.32 15.45 80.91 578.94 1278.15 784.00 391.77 d. Call Deposits 3339.11 2792.19 4208.68 841.47 4916.51 5152.38 4658.80 5657.65 37.36 3824.88 e. Others 480.32 145.38 101.16 44.53 131.71 120.06 264.76 446.80 10.16 304.89 4 Bills Payable 26.44 15.36 13.83 0.98 10.58 20.07 7.76 21.97 5 Other Liabilities 1467.28 2061.93 914.56 551.07 965.80 1483.81 1523.22 1305.40 16444.96 1157.57 1. Sundry Creditors 166.47 119.47 290.45 114.98 11.07 474.62 57.75 371.05 1030.77 396.95 2. Loan Loss Provision 504.01 408.04 231.58 144.85 287.22 312.57 196.68 241.68 6031.30 437.45 3. Interest Suspense a/c 34.00 271.79 40.44 65.52 179.33 229.83 55.09 174.69 1572.61 63.12 4. Others 762.79 1262.63 352.09 225.72 488.18 466.78 1213.71 517.97 7810.28 260.05 6 Reconcillation A/c ‐112.45 7 Profit & Loss A/c 195.05 151.18 ‐23.90 12.57 18.40 126.31 21.96 523.84 76.78 TOTAL LIABILITIES 25924.48 16191.55 22748.23 9430.17 20674.84 23497.73 22871.52 25821.39 66901.94 20180.05 Assets 1 LIQUID FUNDS 1858.33 2007.30 1627.73 1366.06 3767.27 2589.99 2456.46 3390.23 5824.74 2668.92 a. Cash Balance 533.68 365.32 388.25 288.53 994.38 467.16 400.59 562.84 1545.47 431.65 Nepalese Notes & Coins 522.09 350.92 375.25 267.45 919.46 428.18 376.76 529.67 1545.37 416.64 Foreign Currency 11.59 14.39 13.00 21.08 74.92 38.98 23.83 33.17 0.10 15.01 b. Bank Balance 1324.65 1641.99 1239.48 1077.54 2772.89 2102.84 2055.86 2442.69 4279.27 2237.27 1. In Nepal Rastra Bank 773.92 1278.06 862.99 970.88 2535.53 1526.18 1641.28 2408.43 3670.13 1894.80 Domestic Currency 743.99 1266.91 857.86 969.35 2530.38 1522.82 1621.62 2397.61 3670.13 1864.45 Foreign Currency 29.92 11.14 5.13 1.53 5.14 3.36 19.67 10.82 30.34 2. "A"Class Licensed Institution 81.23 135.26 74.95 34.57 131.05 131.29 63.77 29.32 570.52 110.19 Domestic Currency 78.55 133.93 74.50 34.25 122.25 128.36 51.34 28.45 570.21 105.62 Foreign Currency 2.68 1.34 0.45 0.33 8.80 2.93 12.42 0.87 0.31 4.57 3. Other Financial Ins. 4.48 7.70 4. In Foreign Banks 469.51 228.66 301.54 72.08 101.83 445.37 350.82 4.94 30.92 232.28 c. Money at Call 19.98 384.70 Domestic Currency 3.70 334.00 Foreign Currency 16.28 50.70 2 INVESTMENT IN SECURITIES 4389.98 2174.96 3933.76 915.18 1185.21 2570.13 1899.40 1623.57 7125.31 2712.46 a. Govt.Securities 4389.98 2074.96 3783.53 915.18 1185.21 2570.13 1849.40 1623.57 7125.31 2712.46 b. NRB Bond c. Govt.Non‐Fin. Ins. 50.00 d. Other Non‐Fin Ins. 100.00 e Non Residents 150.23 3 SHARE & OTHER INVESTMENT 315.61 235.16 678.97 91.36 153.35 339.35 1090.20 836.77 338.02 220.68 a. Non Residents 242.70 92.06 648.80 81.30 55.92 602.27 294.07 203.18 b. Others 72.91 143.10 30.17 10.06 97.43 339.35 487.93 542.71 338.02 17.50 4 LOANS & ADVANCES 16973.26 9393.88 15306.09 6535.30 13642.73 16130.11 15374.97 18176.53 40034.59 13566.98 a. Private Sector 16302.00 8983.77 15066.89 6368.08 13147.74 15772.13 14921.78 17092.97 39301.10 13566.98 b. Financial Institutions 521.40 214.50 239.20 167.22 449.18 211.46 318.56 666.10 c. Government Organizations 149.86 195.61 45.80 146.52 134.63 1083.57 67.39 5 BILL PURCHASED 848.02 20.28 2.23 0.36 39.51 47.14 586.65 225.07 4.77 a. Domestic Bills Purchased 0.00 3.45 0.86 6.26 19.28 14.12 11.20 4.77 b. Foreign Bills Purchased 12.63 16.83 1.37 0.36 33.24 27.86 7.73 213.87 c. Import Bills & Imports 835.39 564.80 6 LOANS AGAINST COLLECTED BILLS 13.86 a. Against Domestic Bills 13.86 b. Against Foreign Bills 7 FIXED ASSETS 923.34 490.15 350.91 186.33 742.07 586.00 453.08 559.04 1057.25 361.03 8 OTHER ASSETS 598.14 1171.12 839.08 255.92 981.05 1230.79 1010.73 1010.17 11766.06 645.21 a. Accrued Interest: 299.45 319.47 171.83 63.77 346.22 319.68 295.29 216.51 1572.61 214.85 b. Staff Loans / Adv. 124.34 47.39 5.28 25.07 4.36 41.83 214.85 c. Sundry Debtors 4.46 1.13 87.87 d. Cash In Transit 175.11 267.62 166.55 63.77 320.01 227.44 295.29 174.69 1572.61 e. Others 65.12 140.18 53.67 44.55 141.32 144.34 104.40 207.85 2579.74 11.51 9 Expenses not Written off 82.93 109.97 298.46 74.83 62.10 7.95 9.84 262.61 5386.20 398.53 10 Non Banking Assets 5.61 0.70 43.50 11 Reconcillation Account 145.02 601.50 315.12 72.77 430.71 715.32 601.19 323.19 2227.51 20.32 12 Profit & Loss A/c 29.53 TOTAL ASSETS 25924.48 16191.54 22748.23 9430.17 20674.84 23497.72 22871.52 25821.39 66901.94 20180.05

12 Liabilities Kist Civil BOA NMB DCBL Mega Prime Janata CTBNL Sunrise Citizens

1 CAPITAL FUND 2233.96 2486.86 2499.22 2146.06 2175.03 2211.46 2257.62 1499.75 1711.80 1440.88 1211.82 a. Paid‐up Capital 2101.84 2245.75 2000.00 2015.00 1920.91 2000.00 2000.00 1400.00 1631.00 1400.00 1211.82 b. Calls in Advance c. General Reserves 108.51 171.17 96.75 66.67 97.37 186.06 67.61 1.93 d. Share Premium 2.97 25.96 32.41 10.08 e. Retained Earning 9.22 65.53 364.33 28.80 154.30 7.13 185.97 7.70 80.80 40.88 f. Others Reserves Fund 10.60 4.34 1.90 0.30 0.72 1.78 4.04 90.12 g. Exchange Fluctuation Fund 0.81 0.08 10.28 2.88 1.72 6.41 0.00 2 BORROWINGS 241.15 141.92 81.20 221.93 10.00 55.48 33.06 218.84 86.59 427.92 a. NRB 10.00 10.00 50.00 5.00 30.00 15.00 b. "A"Class Licensed Institution 231.15 141.92 81.20 221.93 5.48 33.06 213.84 56.59 412.92 c. Foreign Banks and Fin. Ins. d. Other Financial Ins. e. Bonds and Securities 3 DEPOSITS 15781.59 21041.55 14766.37 15529.07 10561.12 13607.81 18480.49 5013.25 7448.10 4281.37 4606.83 a. Current 564.25 445.06 196.63 467.32 129.32 504.30 328.97 141.80 147.54 17.48 76.66 Domestic 552.66 439.85 181.20 447.79 121.12 499.33 322.82 140.91 139.40 16.95 65.11 Foreign 11.59 5.22 15.44 19.53 8.20 4.97 6.15 0.90 8.14 0.53 11.55 b. Savings 3313.29 2138.62 2580.96 5525.68 1185.52 2043.80 8032.32 612.06 2572.75 508.65 374.80 Domestic 3290.85 2131.57 2579.12 5506.77 1174.64 2040.39 8031.29 611.95 2570.29 503.80 371.78 Foreign 22.44 7.05 1.84 18.91 10.88 3.40 1.03 0.11 2.46 4.86 3.01 c. Fixed 9269.21 8820.10 8261.28 6169.67 5056.47 8135.96 6630.88 2328.19 3465.62 1419.73 1796.08 Domestic 9022.52 8544.19 7562.09 5682.47 4772.21 6841.31 6556.53 2165.79 3359.17 1338.88 1633.28 Foreign 246.70 275.91 699.18 487.20 284.26 1294.65 74.35 162.40 106.44 80.85 162.80 d. Call Deposits 2560.94 9505.78 3660.14 3122.95 3945.50 2852.10 3427.85 1882.33 1192.93 2285.63 2223.97 e. Others 73.90 131.99 67.36 243.46 244.32 71.64 60.47 48.87 69.27 49.88 135.33 4 Bills Payable 2.58 2.07 17.24 2.94 1.81 4.11 7.30 2.02 1.29 0.81 5 Other Liabilities 1077.56 1384.93 1676.11 1291.76 532.58 686.37 988.94 165.44 293.80 164.06 174.38 1. Sundry Creditors 0.27 12.43 3.85 11.67 72.17 4.44 1.31 8.88 3.46 2. Loan Loss Provision 243.82 243.02 349.95 557.58 224.80 144.86 222.24 51.47 80.52 33.19 41.23 3. Interest Suspense a/c 231.38 270.16 186.75 186.90 173.48 155.30 288.17 34.82 48.86 4. Others 602.09 859.31 1139.41 543.42 134.30 374.55 406.36 109.53 211.97 87.17 80.83 6 Reconcillation A/c 18.68 ‐19.46 7 Profit & Loss A/c ‐21.78 3.10 7.67 ‐110.43 22.01 11.74 TOTAL LIABILITIES 19315.06 25057.32 18958.94 19072.81 13473.00 16527.42 21679.40 6735.54 9685.56 5972.90 6421.76 Assets 1 LIQUID FUNDS 5156.68 5188.53 3300.36 4225.47 1336.30 2160.02 3767.56 1017.81 853.51 2056.72 1307.15 a. Cash Balance 635.86 645.00 294.17 548.57 464.75 298.62 631.92 119.44 111.21 172.26 104.77 Nepalese Notes & Coins 616.24 623.28 279.34 529.59 445.19 270.25 616.05 116.16 104.71 159.43 97.84 Foreign Currency 19.62 21.72 14.82 18.99 19.55 28.37 15.87 3.28 6.50 12.82 6.93 b. Bank Balance 4255.36 4254.06 2900.17 3138.09 871.55 1749.12 2811.95 686.98 398.13 1644.24 1122.38 1. In Nepal Rastra Bank 4135.69 4075.29 2650.88 2917.57 521.49 1481.82 2735.27 613.15 374.83 1591.21 849.06 Domestic Currency 4123.31 4064.51 2630.81 2906.03 518.96 1472.28 2719.75 608.98 373.00 1582.89 839.51 Foreign Currency 12.38 10.78 20.07 11.54 2.53 9.55 15.52 4.17 1.83 8.32 9.56 2. "A"Class Licensed Institution 62.57 53.09 48.79 91.08 18.94 63.19 27.34 64.21 11.67 13.15 129.62 Domestic Currency 62.46 52.45 48.42 89.55 17.70 63.19 27.16 64.21 11.67 13.15 13.11 Foreign Currency 0.11 0.64 0.36 1.52 1.24 0.18 116.50 3. Other Financial Ins. 1.82 0.03 4.10 4. In Foreign Banks 57.11 125.68 200.51 129.44 329.30 204.08 49.34 9.62 11.63 35.77 143.70 c. Money at Call 265.46 289.46 106.02 538.81 112.28 323.69 211.39 344.17 240.22 80.00 Domestic Currency 204.70 289.46 137.49 291.29 335.05 200.20 80.00 Foreign Currency 60.76 106.02 401.32 112.28 32.40 211.39 9.12 40.02 2 INVESTMENT IN SECURITIES 802.63 726.90 1565.25 682.86 1522.85 1581.84 1929.35 462.95 515.78 247.29 201.85 a. Govt.Securities 802.63 726.90 1565.25 682.86 1503.35 1561.84 1929.35 462.95 515.78 247.29 201.85 b. NRB Bond 19.50 c. Govt.Non‐Fin. Ins. d. Other Non‐Fin Ins. 20.00 e Non Residents 3 SHARE & OTHER INVESTMENT 262.92 326.83 93.30 190.19 230.53 660.23 108.35 834.65 50.98 a. Non Residents 234.87 89.60 147.13 81.45 116.90 19.24 195.65 50.98 b. Others 28.05 326.83 3.70 43.06 149.08 543.33 89.11 639.00 4 LOANS & ADVANCES 11963.06 17830.25 12019.74 12807.25 9485.75 10746.07 13605.34 4645.75 6889.47 3350.33 4181.45 a. Private Sector 11561.81 17342.45 11639.00 12541.06 9198.43 10476.78 13570.43 4557.49 6473.49 3191.92 3890.66 b. Financial Institutions 194.95 370.00 303.54 175.58 222.55 216.47 88.26 116.98 27.79 130.00 c. Government Organizations 206.30 117.80 77.20 90.61 64.77 52.81 34.91 299.00 130.62 160.79 5 BILL PURCHASED 70.70 23.52 8.92 55.74 730.44 18.65 1.43 37.44 a. Domestic Bills Purchased 70.70 21.70 8.92 55.74 1.64 b. Foreign Bills Purchased 1.82 17.01 1.43 37.44 c. Import Bills & Imports 730.44 6 LOANS AGAINST COLLECTED BILLS 9.97 267.72 a. Against Domestic Bills 9.97 b. Against Foreign Bills 267.72 7 FIXED ASSETS 363.10 298.72 326.72 514.26 418.65 290.38 1410.74 263.36 302.23 143.27 222.57 8 OTHER ASSETS 683.12 591.98 1521.19 600.69 359.79 355.84 793.73 344.23 289.92 120.62 115.79 a. Accrued Interest: 235.90 270.16 186.75 316.18 223.82 212.75 365.47 78.27 101.28 45.81 57.36 b. Staff Loans / Adv. 2.41 2.33 12.84 223.82 58.37 1.13 4.01 10.99 9.08 c. Sundry Debtors 0.32 0.74 76.17 12.91 6.51 2.10 d. Cash In Transit 233.48 270.16 184.10 303.34 153.63 288.17 65.36 90.75 34.82 46.19 e. Others 87.20 13.42 53.90 54.79 21.72 35.56 285.00 59.03 83.33 47.50 1.53 9 Expenses not Written off 12.50 28.94 1.64 24.86 28.35 22.38 7.49 10 Non Banking Assets 11 Reconcillation Account 347.52 308.40 1280.54 200.78 112.60 82.68 114.91 184.55 105.32 27.32 49.41 12 Profit & Loss A/c 69.43 132.37 33.52 40.05 31.91 TOTAL ASSETS 19315.06 25057.32 18958.94 19072.81 13473.00 16527.42 21679.40 6735.54 9685.56 5972.90 6421.76

13 Statement of Assets and Liabilities of Development Banks

Liabilities NIDC SDBL PDBL UDBL MDBL Malika Karnali Century Narayani Sahayogi Uddhyam Pashupati 1 CAPITAL FUND 1135.63 865.87 62.39 290.71 686.35 13.85 884.63 113.38 387.66 102.82 700.45 92.19 a. Paid‐up Capital 1080.00 415.82 55.00 204.83 645.00 80.40 1000.00 65.62 336.52 75.00 663.17 80.00 b. Calls in Advance c. General Reserves 423.60 3.65 14.36 38.07 1.84 72.06 11.11 18.21 12.77 14.05 1.70 d. Share Premium 0.34 0.54 0.89 e. Retained Earning 55.63 ‐60.99 2.79 20.01 1.50 ‐68.39 ‐188.33 36.33 31.52 0.05 22.06 f. Others Reserves Fund 87.44 0.94 51.17 1.78 0.86 0.33 0.87 15.00 0.28 10.49 g. Exchange Fluctuation Fund 0.03 2 BORROWINGS 65.99 0.69 58.19 174.00 47.80 3.06 a. NRB b. "A"Class Licensed Institution 65.99 174.00 47.80 c. Foreign Banks and Fin. Ins. d. Other Financial Ins. 0.69 3.06 e. Bonds and Securities 58.19 3 DEPOSITS 2111.43 288.40 181.27 1353.35 4020.27 11.34 2033.07 929.24 1626.41 1077.58 490.04 828.99 a. Current 24.03 6.24 5.02 10.82 35.34 21.92 6.21 30.59 7.04 Domestic 23.88 6.24 5.02 10.82 35.30 21.60 6.21 30.59 7.04 Foreign 0.15 0.04 0.31 b. Savings 539.04 43.18 39.11 1202.41 1881.64 10.63 302.50 586.80 930.00 835.52 143.85 702.47 Domestic 536.69 39.11 1202.41 1881.64 10.63 302.50 586.80 930.00 835.52 143.85 702.47 Foreign 2.35 43.18 c. Fixed 1015.96 220.25 73.53 105.35 1328.97 0.70 751.17 340.75 489.09 182.93 208.81 124.08 Domestic 1015.96 220.25 73.53 105.35 1328.97 0.70 751.17 340.75 489.09 182.93 208.81 124.08 Foreign d. Call Deposits 528.11 18.73 63.60 34.16 770.22 919.29 197.06 28.55 129.89 e. Others 4.29 0.60 4.10 38.20 1.69 4.05 0.45 2.44 4 Bills Payable 5 Other Liabilities 84.82 4051.17 20.34 150.21 298.92 55.48 309.03 84.61 107.02 38.73 98.76 36.97 1. Sundry Creditors 9.03 66.24 1.17 10.19 19.55 6.74 4.96 8.16 3.33 7.04 3.64 2. Loan Loss Provision 17.86 913.57 6.35 39.84 60.45 14.19 69.18 24.87 26.83 10.34 49.33 11.34 3. Interest Suspense a/c 18.79 2422.42 5.82 20.30 81.35 15.46 78.03 39.61 16.71 4.97 36.66 12.58 4. Others 39.15 648.94 7.00 79.88 137.57 19.08 161.82 15.16 55.31 20.09 5.72 9.41 6 Reconcillation A/c 289.70 7 Profit & Loss A/c 32.99 4.72 5.59 TOTAL LIABILITIES 3397.87 5238.44 264.00 1798.99 5006.24 138.85 3400.73 1464.73 2124.15 1224.72 1289.25 958.15 Assets 1 LIQUID FUNDS 1157.89 641.87 60.10 396.33 850.80 36.36 354.00 220.25 545.80 428.48 370.27 286.84 a. Cash Balance 28.78 6.59 3.57 50.88 76.34 0.42 41.97 18.45 57.69 28.47 23.35 53.76 Nepalese Notes & Coins 28.01 6.59 3.57 46.02 76.28 0.42 41.42 18.45 57.69 28.47 23.35 53.76 Foreign Currency 0.77 4.85 0.06 0.55 0.00 b. Bank Balance 716.73 635.29 56.53 73.87 212.99 35.94 312.03 201.80 114.66 96.58 346.91 16.58 1. In Nepal Rastra Bank 617.06 31.20 0.11 74.93 208.28 4.44 111.67 0.58 2.37 91.60 16.58 Domestic Currency 617.02 31.20 0.11 74.93 208.28 4.44 111.67 0.58 2.37 91.60 16.58 Foreign Currency 0.04 2. "A"Class Licensed Institution 81.65 542.87 14.03 ‐1.06 4.71 1.52 110.53 111.98 4.98 4.16 Domestic Currency 0.77 542.87 14.03 ‐1.06 4.71 1.52 109.57 111.98 4.98 4.16 Foreign Currency 80.87 0.96 3. Other Financial Ins. 61.22 42.39 29.98 89.82 201.22 0.31 342.76 4. In Foreign Banks 18.02 c. Money at Call 412.38 271.58 561.47 373.45 303.44 216.50 Domestic Currency 412.38 271.58 558.52 373.45 303.44 216.50 Foreign Currency 2.95 2 INVESTMENT IN SECURITIES 419.19 19.91 61.15 204.38 204.86 5.00 a. Govt.Securities 419.19 19.91 61.15 204.38 204.86 5.00 b. NRB Bond c. Govt.Non‐Fin. Ins. d. Other Non‐Fin Ins. e Non Residents 3 SHARE & OTHER INVESTMENT 264.39 1.50 45.34 38.97 4.05 123.87 17.50 90.00 0.40 3.00 a. Non Residents 27.98 10.31 b. Others 264.39 1.50 45.34 10.99 4.05 113.56 17.50 90.00 0.40 3.00 4 LOANS & ADVANCES 1585.99 1378.33 173.95 1045.91 3417.22 69.05 2424.42 735.28 1401.65 676.90 824.70 518.52 a. Private Sector 1585.99 173.55 1045.91 3417.22 69.05 2399.27 732.56 1401.65 676.90 789.70 518.52 b. Financial Institutions 1378.33 25.15 20.00 c. Government Organizations 0.40 2.72 15.00 5 BILL PURCHASED 16.80 a. Domestic Bills Purchased 16.80 b. Foreign Bills Purchased c. Import Bills & Imports 6 LOANS AGAINST COLLECTED BILLS a. Against Domestic Bills b. Against Foreign Bills 7 FIXED ASSETS 110.41 108.57 10.38 49.72 313.74 2.36 127.47 9.09 54.67 9.64 25.53 35.39 8 OTHER ASSETS 117.21 2822.27 10.66 193.51 134.19 28.88 174.17 62.43 82.81 18.18 66.73 107.59 a. Accrued Interest: 18.79 2422.42 5.82 25.32 89.25 16.88 79.04 39.61 17.34 4.97 36.94 12.66 b. Staff Loans / Adv. 2422.42 3.86 0.01 1.42 1.17 0.29 c. Sundry Debtors 1.16 7.89 0.20 d. Cash In Transit 18.79 5.82 20.30 81.35 15.46 77.86 39.61 17.34 4.97 36.46 12.66 e. Others 42.46 14.86 2.67 18.47 18.08 0.01 26.09 5.28 31.76 3.52 4.73 19.89 9 Expenses not Written off 0.72 172.82 0.70 11.98 19.35 10.70 9.26 7.34 6.10 9.35 36.39 10 Non Banking Assets 5.78 11 Reconcillation Account 55.24 212.17 1.47 137.74 7.50 1.29 69.05 8.28 20.60 3.59 15.71 38.65 12 Profit & Loss A/c 7.18 3.29 46.94 1.90 22.41 14.98 3.58 1.57 6.30 TOTAL ASSETS 3397.87 5238.44 264.00 1798.99 5006.24 138.85 3400.73 1464.73 2124.15 1224.72 1289.25 958.15

14 r Liabilities e Triveni Gurkha Sanima Bhrikuti Gandaki Business Biratlaxmi Suvekchha Annapurna Bageshwori Gaurishanka Infrastructur 1 CAPITAL FUND 187.99 808.86 405.50 137.71 157.35 2118.69 251.59 ‐436.88 266.38 766.60 735.32 171.38 a. Paid‐up Capital 158.77 672.00 279.24 107.85 59.40 2016.00 211.92 660.82 200.00 660.68 690.06 155.65 b. Calls in Advance 31.19 0.82 c. General Reserves 16.25 33.51 23.14 7.74 7.58 69.60 35.42 34.15 19.63 29.61 42.19 14.35 d. Share Premium 11.53 2.11 5.98 0.96 0.29 10.56 2.38 0.08 5.69 0.38 e. Retained Earning 1.45 100.96 96.89 21.16 58.89 20.71 3.88 ‐1187.92 44.50 55.20 2.67 0.42 f. Others Reserves Fund 0.28 0.25 0.02 0.36 52.87 2.17 15.32 0.96 g. Exchange Fluctuation Fund 1.80 0.00 0.10 0.02 2 BORROWINGS 0.28 30.00 2.23 15.00 106.00 a. NRB 15.00 b. "A"Class Licensed Institution 66.00 c. Foreign Banks and Fin. Ins. d. Other Financial Ins. 0.28 30.00 2.23 40.00 e. Bonds and Securities 3 DEPOSITS 1656.15 1112.16 2183.56 847.14 1187.08 6865.20 719.10 2423.58 1529.84 1506.26 1629.20 1865.21 a. Current 24.33 5.01 27.21 4.23 9.52 142.57 16.76 253.05 38.60 16.68 14.37 29.80 Domestic 24.33 5.01 27.21 4.23 9.52 142.00 16.76 253.05 38.60 16.68 14.37 29.80 Foreign 0.57 b. Savings 832.92 435.52 1192.20 297.46 810.71 2832.07 441.77 952.10 735.50 427.02 711.46 995.70 Domestic 832.92 435.52 1192.20 297.46 810.71 2813.52 441.77 951.94 735.50 427.02 711.46 995.70 Foreign 18.55 0.16 c. Fixed 531.83 306.82 447.67 341.51 106.53 3128.73 103.97 785.73 393.23 653.59 384.12 559.71 Domestic 531.83 306.82 447.67 341.51 106.53 3035.37 103.97 785.73 393.23 653.59 384.12 559.71 Foreign 93.37 d. Call Deposits 253.54 364.64 511.12 203.94 233.37 749.17 156.61 425.46 360.33 402.23 517.12 277.06 e. Others 13.53 0.18 5.36 26.96 12.66 7.24 2.18 6.75 2.13 2.93 4 Bills Payable 1.52 5 Other Liabilities 58.96 177.93 93.16 41.68 41.70 486.74 55.03 2639.55 85.36 125.47 128.33 102.69 1. Sundry Creditors 3.27 0.52 3.20 7.61 1.52 29.18 3.27 7.74 1.12 1.33 0.54 5.64 2. Loan Loss Provision 22.51 30.01 31.57 21.82 17.98 78.74 16.37 1476.17 16.49 32.72 18.60 21.08 3. Interest Suspense a/c 38.59 15.85 14.73 79.87 12.25 322.01 15.87 35.64 22.16 4.40 4. Others 33.18 108.81 42.54 12.26 7.47 298.95 23.14 833.64 51.88 55.78 87.03 71.58 6 Reconcillation A/c 1.53 553.16 ‐4.00 1.20 0.06 ‐0.11 0.00 7 Profit & Loss A/c 1.48 7.38 3.39 8.93 5.99 10.31 9.90 19.41 10.17 TOTAL LIABILITIES 1906.38 2098.95 3242.75 1052.54 1392.96 9494.55 1031.77 4732.15 1891.89 2408.22 2513.77 2149.45 Assets 1 LIQUID FUNDS 254.52 641.61 676.50 183.45 322.59 1508.92 333.43 220.06 532.14 576.24 688.47 579.93 a. Cash Balance 37.13 29.88 48.54 30.74 43.65 154.95 25.47 27.67 45.34 64.10 41.91 45.25 Nepalese Notes & Coins 36.85 29.88 48.54 30.74 42.24 146.31 25.47 26.08 43.69 62.76 41.71 45.21 Foreign Currency 0.28 1.40 8.64 1.59 1.65 1.34 0.20 0.04 b. Bank Balance 1.97 300.35 19.51 152.71 163.18 652.82 9.44 0.93 486.80 512.14 96.98 98.19 1. In Nepal Rastra Bank 0.11 11.45 1.50 68.41 527.53 0.99 0.83 78.47 69.53 96.58 96.58 Domestic Currency 0.11 11.45 1.50 68.41 526.71 0.99 0.54 78.47 69.06 96.58 96.58 Foreign Currency 0.83 0.28 0.48 2. "A"Class Licensed Institution 0.81 288.90 13.32 51.05 78.29 104.53 8.45 0.10 217.19 343.17 0.40 1.62 Domestic Currency 0.81 288.90 13.32 51.05 78.29 104.49 8.45 0.10 217.19 342.29 0.40 1.62 Foreign Currency 0.04 0.88 3. Other Financial Ins. 1.05 4.70 101.67 11.46 191.14 99.44 4. In Foreign Banks 5.02 20.76 c. Money at Call 215.42 311.37 608.45 115.76 701.14 298.52 191.46 549.58 436.49 Domestic Currency 215.42 311.37 608.45 115.76 697.81 298.52 191.18 549.58 436.49 Foreign Currency 3.33 0.28 2 INVESTMENT IN SECURITIES 1.32 25.20 17.63 0.89 753.97 25.00 a. Govt.Securities 25.20 17.63 0.89 753.97 25.00 b. NRB Bond c. Govt.Non‐Fin. Ins. d. Other Non‐Fin Ins. 1.32 e Non Residents 3 SHARE & OTHER INVESTMENT 1.67 40.20 0.50 191.52 0.30 67.06 86.00 105.02 6.10 a. Non Residents 83.00 b. Others 1.67 40.20 0.50 191.52 0.30 67.06 3.00 105.02 6.10 4 LOANS & ADVANCES 1542.99 1276.34 1853.83 788.79 977.56 6339.22 603.14 3317.24 1258.54 1644.61 1539.37 1443.56 a. Private Sector 1542.99 1276.34 1853.83 788.79 977.56 6223.91 603.14 3317.24 1258.54 1644.61 1539.37 1443.56 b. Financial Institutions 88.40 c. Government Organizations 26.91 5 BILL PURCHASED 0.10 a. Domestic Bills Purchased 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 69.36 34.65 38.68 37.09 33.02 404.40 56.64 106.75 40.50 40.80 107.02 45.65 8 OTHER ASSETS 38.19 128.48 55.18 24.13 54.56 296.52 38.26 682.17 60.64 54.87 73.88 49.19 a. Accrued Interest: 38.59 15.85 14.73 106.78 12.25 322.01 16.04 39.22 23.81 4.40 b. Staff Loans / Adv. 1.71 6.89 3.59 1.65 4.40 c. Sundry Debtors d. Cash In Transit 38.59 15.85 13.02 99.89 12.25 322.01 16.04 35.64 22.16 e. Others 12.31 0.24 2.02 1.49 9.39 43.69 4.51 47.31 9.72 0.98 2.45 17.93 9 Expenses not Written off 10.38 5.69 9.48 8.46 18.62 17.46 11.83 4.85 13.77 6.32 4.18 12.59 10 Non Banking Assets 0.85 11 Reconcillation Account 15.50 83.95 27.83 14.18 11.83 128.60 9.67 308.01 21.11 7.51 43.45 14.28 12 Profit & Loss A/c 4.17 0.95 308.47 TOTAL ASSETS 1906.38 2098.95 3242.75 1052.54 1392.96 9494.55 1031.77 4732.15 1891.89 2408.22 2513.77 2149.43

15 Liabilities Excel Sewa Tinau H & B NDEP Rising WDBL Miteri CEDBL Kankai Araniko Muktinath 1 CAPITAL FUND 159.37 87.67 1075.27 255.82 644.00 1243.32 109.95 120.22 188.19 294.35 161.60 59.39 a. Paid‐up Capital 80.00 60.00 897.93 200.00 546.13 1088.00 90.29 100.00 140.00 200.00 115.00 40.00 b. Calls in Advance 21.60 8.62 c. General Reserves 16.84 3.67 69.10 3.60 20.05 14.87 10.16 2.09 7.22 94.35 5.49 1.07 d. Share Premium 1.79 5.41 12.86 e. Retained Earning 42.53 2.40 108.24 52.21 75.92 120.93 18.04 28.11 40.81 9.71 f. Others Reserves Fund 20.00 11.76 9.50 0.09 0.30 g. Exchange Fluctuation Fund 0.00 0.11 2.35 2 BORROWINGS 2.90 70.00 589.76 10.09 255.54 a. NRB 20.00 b. "A"Class Licensed Institution 230.00 c. Foreign Banks and Fin. Ins. 359.76 d. Other Financial Ins. 2.90 50.00 10.09 255.54 e. Bonds and Securities 3 DEPOSITS 1740.50 495.16 6104.70 359.73 4021.47 3874.43 523.70 889.72 743.92 2003.59 1558.85 330.58 a. Current 9.54 93.07 3.07 64.75 74.78 5.92 9.33 7.73 29.45 17.84 2.65 Domestic 9.54 93.07 3.07 64.75 74.42 5.92 9.33 7.73 29.45 17.84 2.65 Foreign 0.36 b. Savings 1136.58 326.53 2338.57 287.35 1297.31 1188.61 317.56 234.68 400.80 1317.72 815.90 211.04 Domestic 1136.58 326.53 2338.57 287.35 1296.20 1161.24 317.56 234.68 400.80 1317.72 815.90 211.04 Foreign 1.10 27.37 c. Fixed 320.86 99.13 2604.53 69.30 1157.60 1695.56 152.28 421.75 230.07 434.01 279.94 31.79 Domestic 320.86 99.13 2604.53 69.30 1141.43 1340.44 152.28 421.75 230.07 434.01 279.94 31.79 Foreign 16.17 355.12 d. Call Deposits 59.39 1055.78 1496.20 875.16 47.95 223.97 104.90 222.41 444.14 84.84 e. Others 283.06 0.57 12.75 5.61 40.31 0.43 1.03 0.25 4 Bills Payable 1.78 30.80 5 Other Liabilities 59.05 17.64 379.47 35.82 178.00 394.64 16.06 54.38 60.63 101.48 71.49 22.40 1. Sundry Creditors 3.98 1.69 6.09 11.34 5.40 2.38 1.06 0.75 1.19 1.38 0.97 2. Loan Loss Provision 21.76 9.87 95.58 19.34 47.53 64.40 4.81 14.56 20.78 32.14 12.43 8.18 3. Interest Suspense a/c 10.47 0.74 90.88 3.17 29.81 58.14 3.65 6.05 14.72 14.45 13.96 3.32 4. Others 22.83 7.03 191.32 7.21 89.32 266.70 5.22 32.71 24.38 53.71 43.72 9.93 6 Reconcillation A/c 1010.48 19.60 2.48 0.41 59.15 1.16 4.31 7 Profit & Loss A/c 10.33 1.33 0.66 4.85 1.23 27.07 1.98 TOTAL LIABILITIES 2979.73 621.40 7566.59 651.36 4914.54 6132.93 713.71 1065.48 1004.07 2686.34 1793.91 412.37 Assets 1 LIQUID FUNDS 825.21 192.85 1600.22 217.54 722.23 1246.76 175.47 427.63 198.71 762.73 521.06 103.28 a. Cash Balance 57.33 14.71 150.27 11.77 122.95 81.17 6.91 18.61 26.48 65.57 56.84 33.21 Nepalese Notes & Coins 57.19 14.71 149.42 11.64 117.75 77.94 6.91 18.61 26.48 65.39 56.62 33.20 Foreign Currency 0.14 0.85 0.13 5.20 3.23 0.19 0.21 0.00 b. Bank Balance 49.83 178.14 1449.95 205.76 211.15 207.62 26.11 330.94 51.20 697.16 464.22 16.96 1. In Nepal Rastra Bank 0.21 0.03 474.31 2.13 207.77 172.53 14.11 0.14 0.22 104.44 39.69 0.05 Domestic Currency 0.21 0.03 474.31 2.13 207.72 171.39 14.11 0.14 0.22 104.44 39.69 0.05 Foreign Currency 0.05 1.14 2. "A"Class Licensed Institution 49.62 156.29 680.89 91.07 3.31 24.17 12.00 330.80 50.99 355.43 349.54 16.90 Domestic Currency 49.62 156.29 680.89 91.07 3.23 24.17 12.00 330.80 50.99 355.43 349.54 16.90 Foreign Currency 0.08 3. Other Financial Ins. 21.82 294.76 112.57 0.07 237.28 74.99 0.01 4. In Foreign Banks 10.92 c. Money at Call 718.04 388.12 957.97 142.44 78.08 121.03 53.11 Domestic Currency 718.04 385.18 885.70 142.44 78.08 121.03 53.11 Foreign Currency 2.95 72.27 2 INVESTMENT IN SECURITIES 10.00 58.96 20.00 160.93 278.96 10.00 a. Govt.Securities 10.00 58.96 20.00 160.93 266.96 10.00 b. NRB Bond c. Govt.Non‐Fin. Ins. d. Other Non‐Fin Ins. 12.00 e Non Residents 3 SHARE & OTHER INVESTMENT 10.50 102.13 5.10 70.63 245.59 0.10 10.20 48.50 23.11 0.30 0.10 a. Non Residents b. Others 10.50 102.13 5.10 70.63 245.59 0.10 10.20 48.50 23.11 0.30 0.10 4 LOANS & ADVANCES 1101.78 385.81 5331.96 356.50 3592.97 3920.37 462.55 580.65 687.66 1798.06 1173.61 276.85 a. Private Sector 1101.78 385.81 5052.47 3580.99 3820.29 460.15 580.65 687.66 1798.06 1172.24 b. Financial Institutions 267.42 356.50 1.65 84.21 0.90 276.85 c. Government Organizations 12.07 10.33 15.88 1.50 1.37 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 23.59 8.32 170.02 28.51 238.09 112.95 8.69 17.47 34.49 49.42 26.65 15.58 8 OTHER ASSETS 18.69 13.92 267.28 17.60 129.70 322.53 7.78 23.58 34.38 52.24 57.59 11.24 a. Accrued Interest: 10.47 91.73 59.85 72.65 3.65 6.05 14.72 14.45 13.96 3.32 b. Staff Loans / Adv. 10.47 0.09 6.19 7.68 0.01 c. Sundry Debtors 0.77 7.52 0.01 d. Cash In Transit 90.88 53.67 57.44 3.63 6.05 14.72 14.45 13.96 3.32 e. Others 2.45 5.29 45.90 6.79 3.42 6.81 1.27 2.43 7.31 0.18 9 Expenses not Written off 4.53 3.54 4.20 1.34 15.00 57.49 1.81 7.30 1.00 14.01 24.08 1.26 10 Non Banking Assets 11 Reconcillation Account 1.24 5.09 125.46 9.47 51.42 185.58 1.05 10.23 18.66 21.34 12.24 6.48 12 Profit & Loss A/c 30.32 1.03 4.46 3.21 4.81 TOTAL ASSETS 2979.73 621.40 7566.59 651.36 4914.54 6132.93 713.71 1065.48 1004.07 2686.34 1793.91 412.37

16 ap

Liabilities Ace Rara Nilgiri Public diyalo Alpine Bhargav Country Resunga Mahakali Shangrila Kasthamand 1 CAPITAL FUND 140.11 40.33 894.63 58.98 366.66 84.96 223.34 113.43 328.39 115.51 68.60 510.52 a. Paid‐up Capital 150.00 38.15 750.46 60.00 320.00 61.20 200.10 100.00 320.00 100.00 50.00 480.81 b. Calls in Advance 1.77 c. General Reserves 1.60 1.90 74.38 1.36 10.08 1.81 4.66 4.94 8.38 2.01 1.84 9.31 d. Share Premium 0.26 1.28 e. Retained Earning ‐14.92 0.02 69.37 34.66 20.52 18.58 8.33 13.03 16.76 20.40 f. Others Reserves Fund 1.66 0.01 0.06 ‐2.38 1.91 0.16 0.16 0.01 0.47 g. Exchange Fluctuation Fund 0.36 2 BORROWINGS 371.00 30.00 a. NRB 5.00 b. "A"Class Licensed Institution 350.00 c. Foreign Banks and Fin. Ins. d. Other Financial Ins. 16.00 30.00 e. Bonds and Securities 3 DEPOSITS 484.03 225.66 4730.44 182.68 1957.47 907.16 329.44 404.98 934.63 446.22 409.41 3367.88 a. Current 1.75 27.84 1.20 2.02 5.02 9.47 4.90 35.40 Domestic 1.75 26.98 1.20 2.02 5.02 9.47 4.90 35.39 Foreign 0.86 0.01 b. Savings 209.81 193.11 2441.31 134.01 1172.88 825.51 273.51 97.03 149.69 261.25 193.57 1521.19 Domestic 209.81 193.11 2434.16 134.01 1172.88 825.51 273.51 97.03 149.69 261.25 193.57 1520.31 Foreign 7.15 0.88 c. Fixed 242.15 32.55 1875.32 47.47 578.53 81.24 53.35 139.64 389.29 102.65 123.59 945.16 Domestic 242.15 32.55 1875.32 47.47 578.53 81.24 53.35 139.64 389.29 102.65 123.59 945.16 Foreign d. Call Deposits 30.33 378.51 204.24 165.94 390.63 72.68 87.02 862.40 e. Others 7.45 1.83 0.42 2.58 0.35 0.16 0.35 3.74 4 Bills Payable 5 Other Liabilities 92.04 15.21 365.13 15.03 95.90 34.81 28.85 26.05 85.95 43.55 19.68 172.48 1. Sundry Creditors 5.29 2.98 0.93 0.36 0.75 2.48 0.55 0.36 2.12 11.79 0.15 10.29 2. Loan Loss Provision 58.93 3.57 54.89 2.75 29.99 8.66 5.80 3.44 16.06 8.66 3.60 33.54 3. Interest Suspense a/c 19.83 1.77 65.56 3.29 22.68 5.00 7.02 5.10 8.73 8.26 5.21 40.52 4. Others 7.99 6.90 243.75 8.63 42.48 18.67 15.48 17.15 59.04 14.83 10.73 88.12 6 Reconcillation A/c 0.17 28.60 354.19 53.06 2.85 7 Profit & Loss A/c 0.78 ‐19.29 0.02 5.85 6.85 3.78 0.80 2.29 2.34 1.83 TOTAL LIABILITIES 716.18 282.16 6341.90 285.30 2425.88 1387.97 638.47 545.26 1381.25 610.46 499.52 4050.88 Assets 1 LIQUID FUNDS 86.17 94.76 1271.96 78.13 578.09 487.50 257.53 148.04 282.05 124.78 176.35 944.84 a. Cash Balance 8.84 5.93 72.96 5.58 43.90 35.12 12.46 6.03 28.26 24.97 16.08 70.34 Nepalese Notes & Coins 8.84 5.69 70.07 5.58 43.09 35.12 12.46 6.03 28.26 24.67 15.62 69.31 Foreign Currency 0.24 2.89 0.81 0.29 0.46 1.03 b. Bank Balance 24.75 88.83 331.42 72.54 534.18 44.24 102.61 142.02 60.40 62.43 40.46 874.49 1. In Nepal Rastra Bank 24.32 1.27 307.39 9.83 106.21 1.30 17.60 46.25 0.78 0.01 199.54 Domestic Currency 24.32 1.27 306.59 9.83 106.21 1.30 17.60 46.25 0.78 0.01 199.54 Foreign Currency 0.80 2. "A"Class Licensed Institution 0.43 47.81 1.66 30.21 227.00 20.45 14.68 48.27 13.99 21.59 40.15 429.50 Domestic Currency 0.43 47.81 1.66 30.21 227.00 20.45 14.68 48.27 13.99 21.59 40.15 427.97 Foreign Currency 1.53 3. Other Financial Ins. 39.76 0.01 32.50 200.98 22.49 87.93 76.15 0.16 40.06 0.30 245.45 4. In Foreign Banks 22.36 c. Money at Call 52.57 867.59 408.15 142.46 193.39 37.39 119.82 Domestic Currency 52.57 841.74 408.15 142.46 193.39 37.39 119.82 Foreign Currency 25.85 2 INVESTMENT IN SECURITIES 2.50 2.06 244.68 3.20 10.00 17.21 148.00 a. Govt.Securities 2.50 2.06 244.68 3.20 10.00 17.21 148.00 b. NRB Bond c. Govt.Non‐Fin. Ins. d. Other Non‐Fin Ins. e Non Residents 3 SHARE & OTHER INVESTMENT 0.50 202.13 1.00 20.50 30.00 20.50 0.50 173.06 a. Non Residents b. Others 0.50 202.13 1.00 20.50 30.00 20.50 0.50 173.06 4 LOANS & ADVANCES 506.62 167.88 4195.75 155.35 1763.55 513.26 277.89 341.38 1015.36 431.06 302.58 2473.98 a. Private Sector 506.62 167.43 4101.62 155.35 1763.55 513.26 277.89 341.38 1002.35 431.06 302.58 2401.25 b. Financial Institutions 78.97 1.16 72.73 c. Government Organizations 0.44 15.16 11.86 5 BILL PURCHASED 1.50 a. Domestic Bills Purchased 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 62.00 4.30 131.88 6.48 45.47 11.96 10.12 5.52 31.08 15.72 7.38 122.90 8 OTHER ASSETS 35.91 12.67 295.45 7.79 37.77 19.50 16.75 10.02 15.06 37.90 11.25 158.62 a. Accrued Interest: 19.83 1.77 68.53 3.29 26.11 5.00 7.02 5.10 8.73 8.26 5.21 53.06 b. Staff Loans / Adv. 0.47 3.43 0.00 13.25 c. Sundry Debtors 2.50 0.05 d. Cash In Transit 19.83 1.77 65.56 3.29 22.68 5.00 7.02 5.10 8.68 8.26 5.21 39.82 e. Others 8.19 2.34 8.65 1.95 2.41 0.28 0.20 0.30 0.14 0.55 5.52 9 Expenses not Written off 4.59 4.98 3.25 2.74 8.13 2.17 2.66 0.65 21.54 80.01 10 Non Banking Assets 11 Reconcillation Account 3.31 3.58 215.02 2.55 6.52 6.37 7.28 2.06 5.38 7.96 5.49 20.03 12 Profit & Loss A/c 22.98 2.83 19.98 TOTAL ASSETS 716.18 282.17 6341.90 285.30 2425.88 1387.97 638.47 545.26 1381.25 610.46 499.52 4050.88

17 Liabilities City Jyoti Kabeli Hamro Garima Bishow Bagmati Kamana Purnima Corporate Pathibhara Professional 1 CAPITAL FUND 233.31 255.17 292.09 109.42 21.93 215.37 274.70 113.07 116.01 762.37 26.47 41.72 a. Paid‐up Capital 200.00 220.00 240.00 100.00 20.00 200.00 200.00 100.00 100.00 740.00 26.50 21.00 b. Calls in Advance 20.28 c. General Reserves 14.40 14.95 10.61 0.87 1.93 9.51 7.61 1.39 1.28 17.81 0.45 d. Share Premium 0.14 e. Retained Earning 18.91 19.71 41.48 8.55 5.86 67.10 11.41 14.73 2.80 ‐0.04 f. Others Reserves Fund 0.50 0.13 1.75 g. Exchange Fluctuation Fund 0.00 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 1652.49 1880.37 1737.50 182.62 232.32 1219.59 867.52 762.42 613.26 2744.57 94.22 207.40 a. Current 40.04 6.41 12.96 1.38 5.07 17.09 5.46 7.00 2.15 112.99 11.07 Domestic 40.04 6.41 12.96 1.38 5.07 17.09 5.46 7.00 2.15 112.98 11.07 Foreign 0.01 b. Savings 939.80 1023.05 587.56 70.97 176.05 599.05 319.36 432.92 332.17 1114.15 60.63 113.24 Domestic 939.80 1023.05 587.56 70.97 176.05 599.05 319.36 432.92 332.17 1108.00 60.63 113.24 Foreign 6.14 c. Fixed 394.07 524.80 691.84 29.43 36.93 298.10 450.56 77.61 159.99 942.10 13.74 45.63 Domestic 394.07 524.80 691.84 29.43 36.93 298.10 450.56 77.61 159.99 942.10 13.74 45.63 Foreign d. Call Deposits 278.58 325.41 445.14 80.85 14.27 305.35 88.87 244.89 118.95 552.22 19.59 37.46 e. Others 0.69 3.28 23.12 0.26 4 Bills Payable 0.03 1.20 5 Other Liabilities 134.94 176.09 151.90 8.80 7.24 98.78 87.72 21.06 22.52 261.06 3.39 4.60 1. Sundry Creditors 6.98 0.07 3.19 0.72 0.48 1.94 18.21 0.28 3.65 0.77 0.19 0.41 2. Loan Loss Provision 13.01 21.53 16.58 1.75 1.64 12.95 11.77 8.36 5.67 41.97 0.92 1.80 3. Interest Suspense a/c 13.29 19.30 23.32 1.09 2.37 14.73 25.38 2.89 5.41 24.94 0.33 4. Others 101.66 135.20 108.81 5.25 2.75 69.16 32.35 9.53 7.79 193.39 1.95 2.39 6 Reconcillation A/c 289.36 0.04 55.32 7 Profit & Loss A/c 7.84 5.05 9.29 2.34 6.52 1.19 1.16 15.09 0.51 2.21 TOTAL LIABILITIES 2317.94 2316.70 2190.78 303.19 261.49 1541.49 1231.13 953.04 751.78 3783.09 124.59 255.93 Assets 1 LIQUID FUNDS 665.21 613.83 517.81 135.59 68.76 467.61 230.63 298.67 292.17 902.19 32.18 53.78 a. Cash Balance 42.62 50.42 18.75 9.32 14.28 29.78 3.75 44.70 20.93 59.13 4.18 7.12 Nepalese Notes & Coins 42.55 50.35 18.75 9.32 14.28 29.41 3.75 44.70 20.93 58.79 4.18 7.12 Foreign Currency 0.07 0.07 0.36 0.34 b. Bank Balance 107.48 563.40 499.06 10.17 14.03 437.83 226.88 45.71 271.24 174.48 5.06 19.09 1. In Nepal Rastra Bank 83.96 91.10 90.23 0.09 0.84 62.49 53.28 0.67 31.91 145.97 5.06 0.09 Domestic Currency 83.96 91.10 90.23 0.09 0.84 62.49 53.28 0.67 31.91 145.97 5.06 0.09 Foreign Currency 2. "A"Class Licensed Institution 3.53 316.99 77.80 10.07 13.19 178.28 113.28 45.04 116.11 28.51 19.00 Domestic Currency 3.53 316.99 77.80 10.07 13.19 178.28 113.28 45.04 116.11 28.50 19.00 Foreign Currency 0.01 3. Other Financial Ins. 20.00 155.31 331.03 0.02 197.06 60.32 0.00 123.22 4. In Foreign Banks c. Money at Call 515.11 116.10 40.46 208.26 668.58 22.94 27.58 Domestic Currency 515.11 116.10 40.46 208.26 659.89 22.94 27.58 Foreign Currency 8.70 2 INVESTMENT IN SECURITIES 10.00 129.42 1.00 a. Govt.Securities 10.00 129.42 1.00 b. NRB Bond c. Govt.Non‐Fin. Ins. d. Other Non‐Fin Ins. e Non Residents 3 SHARE & OTHER INVESTMENT 50.60 1.50 0.10 1.00 14.63 40.10 0.57 a. Non Residents 14.63 b. Others 50.60 1.50 0.10 1.00 40.10 0.57 4 LOANS & ADVANCES 1283.16 1523.07 1568.30 157.02 167.40 1000.74 903.14 562.59 427.51 2522.87 85.60 182.53 a. Private Sector 1283.13 1523.07 1568.30 157.02 167.40 1000.74 903.14 562.05 427.51 2508.09 85.60 182.53 b. Financial Institutions 10.17 c. Government Organizations 0.03 0.53 4.60 5 BILL PURCHASED 2.54 a. Domestic Bills Purchased 2.54 b. Foreign Bills Purchased c. Import Bills & Imports 6 LOANS AGAINST COLLECTED BILLS a. Against Domestic Bills b. Against Foreign Bills 7 FIXED ASSETS 28.86 52.90 57.44 6.20 19.13 36.84 35.42 20.61 14.94 93.73 3.93 15.28 8 OTHER ASSETS 49.42 62.40 45.74 4.28 6.12 35.30 44.77 15.84 13.64 91.45 2.55 2.26 a. Accrued Interest: 13.29 19.81 23.32 1.09 2.79 14.73 25.47 2.89 5.41 29.45 0.33 0.72 b. Staff Loans / Adv. 0.51 0.42 0.08 4.51 c. Sundry Debtors 0.00 d. Cash In Transit 13.29 19.30 23.32 1.09 2.37 14.73 25.39 2.89 5.41 24.94 0.33 0.72 e. Others 0.22 6.36 0.16 0.13 0.04 1.67 18.45 0.86 0.56 9 Expenses not Written off 0.14 0.00 6.14 0.73 2.41 5.99 3.19 4.57 1.62 0.57 0.07 10 Non Banking Assets 11 Reconcillation Account 35.77 36.24 16.12 2.32 0.88 14.58 19.30 8.09 3.66 41.93 0.79 0.91 12 Profit & Loss A/c 0.09 0.87 TOTAL ASSETS 2317.94 2316.70 2190.78 303.19 261.49 1541.49 1231.13 953.04 751.78 3783.09 124.59 255.93

18 Liabilities IDBL Civic Kakre Shine Gulmi Bright Pacific Metro Jhimruk Kanchan Innovative Matribhumi 1 CAPITAL FUND 22.70 210.02 43.37 27.19 504.35 18.46 79.81 30.45 109.64 69.81 13.57 81.62 a. Paid‐up Capital 18.00 200.00 39.00 14.00 448.00 17.50 70.00 15.40 98.00 66.25 12.00 70.00 b. Calls in Advance 13.00 12.90 5.50 c. General Reserves 8.00 0.87 0.04 8.08 0.96 0.07 0.43 2.20 0.23 ‐3.93 2.32 d. Share Premium e. Retained Earning 4.70 1.86 3.50 0.15 44.59 9.74 1.72 9.44 3.33 9.29 f. Others Reserves Fund 0.16 3.69 g. Exchange Fluctuation Fund 2 BORROWINGS 100.00 a. NRB b. "A"Class Licensed Institution 100.00 c. Foreign Banks and Fin. Ins. d. Other Financial Ins. e. Bonds and Securities 3 DEPOSITS 159.61 1399.39 306.88 82.06 3746.07 275.92 510.21 130.67 360.37 466.38 139.84 540.73 a. Current 1.18 26.35 2.59 28.58 2.99 9.24 5.51 4.93 Domestic 1.18 26.35 2.59 28.58 2.99 9.24 5.51 4.93 Foreign b. Savings 126.49 769.74 160.21 72.85 1299.60 253.07 450.11 70.18 90.96 170.60 91.06 246.93 Domestic 126.49 769.74 160.21 72.85 1299.60 253.07 450.11 70.18 90.96 170.60 91.06 246.93 Foreign c. Fixed 31.94 345.70 40.67 9.21 1212.71 22.86 60.10 31.39 55.48 98.27 17.37 165.36 Domestic 31.94 345.70 40.67 9.21 1212.71 22.86 60.10 31.39 55.48 98.27 17.37 165.36 Foreign d. Call Deposits 252.61 103.31 1199.45 29.10 210.85 188.28 25.91 123.51 e. Others 4.99 0.09 5.72 0.09 4 Bills Payable 8.26 0.17 5 Other Liabilities 2.14 95.18 8.86 4.25 200.16 7.26 18.36 5.24 18.68 12.60 3.69 21.21 1. Sundry Creditors 0.14 12.77 0.21 1.92 14.71 0.85 0.25 0.28 0.10 0.15 0.54 2.00 2. Loan Loss Provision 1.56 10.73 3.47 0.84 64.17 1.38 3.74 1.21 3.43 2.96 1.08 4.51 3. Interest Suspense a/c 0.44 13.24 1.61 0.70 64.53 1.07 5.49 1.23 6.09 1.44 1.10 5.88 4. Others 58.44 3.58 0.79 56.75 3.96 8.88 2.52 9.06 8.05 0.96 8.82 6 Reconcillation A/c 0.07 9.93 78.53 11.44 0.00 7 Profit & Loss A/c 1.88 4.82 1.98 ‐18.18 0.18 1.60 ‐0.42 0.05 1.02 TOTAL LIABILITIES 186.33 1709.41 361.16 123.43 4540.66 301.82 688.51 177.38 488.74 548.96 157.10 644.58 Assets 1 LIQUID FUNDS 54.23 473.28 78.84 42.32 1165.55 154.44 137.27 56.40 139.41 227.65 36.19 171.01 a. Cash Balance 12.26 29.11 9.56 2.39 177.09 8.43 10.38 4.16 14.43 10.96 10.24 11.84 Nepalese Notes & Coins 11.95 29.11 9.56 2.39 176.88 8.43 10.38 4.16 14.43 10.96 10.10 11.84 Foreign Currency 0.32 0.21 0.14 b. Bank Balance 41.97 75.68 69.29 2.58 588.41 10.25 126.89 7.82 13.91 23.51 23.75 22.73 1. In Nepal Rastra Bank 0.50 5.04 580.30 1.42 2.92 23.51 22.73 Domestic Currency 0.50 5.04 580.30 1.42 2.92 23.51 22.73 Foreign Currency 2. "A"Class Licensed Institution 36.05 75.18 16.34 2.44 8.09 9.42 76.97 7.82 10.99 18.65 Domestic Currency 36.05 75.18 16.34 2.44 8.09 9.42 76.97 7.82 10.99 18.65 Foreign Currency 3. Other Financial Ins. 5.91 47.90 0.14 0.01 0.84 48.51 5.10 4. In Foreign Banks c. Money at Call 368.49 37.35 400.05 135.76 44.42 111.07 193.19 2.20 136.44 Domestic Currency 368.49 37.35 398.12 135.76 44.42 111.07 193.19 2.20 136.44 Foreign Currency 1.93 2 INVESTMENT IN SECURITIES 10.33 98.24 a. Govt.Securities 10.33 98.24 b. NRB Bond c. Govt.Non‐Fin. Ins. d. Other Non‐Fin Ins. e Non Residents 3 SHARE & OTHER INVESTMENT 0.10 1.00 40.90 79.10 1.00 0.10 a. Non Residents b. Others 0.10 1.00 40.90 79.10 1.00 0.10 4 LOANS & ADVANCES 125.92 1152.55 266.83 59.12 2974.56 138.16 350.72 102.02 326.15 298.00 112.00 451.14 a. Private Sector 125.92 1152.55 265.93 59.12 2936.66 134.51 350.72 102.02 326.15 298.00 112.00 451.14 b. Financial Institutions 0.91 37.90 c. Government Organizations 3.65 5 BILL PURCHASED 0.13 a. Domestic Bills Purchased 0.13 b. Foreign Bills Purchased c. Import Bills & Imports 6 LOANS AGAINST COLLECTED BILLS a. Against Domestic Bills b. Against Foreign Bills 7 FIXED ASSETS 2.77 26.70 8.28 6.75 129.89 7.21 21.73 4.16 13.73 17.85 3.91 13.28 8 OTHER ASSETS 3.31 45.55 7.03 3.21 131.35 2.02 21.16 3.26 8.45 5.07 4.11 9.15 a. Accrued Interest: 13.91 1.61 0.70 65.69 1.07 6.60 1.23 6.09 1.44 1.10 5.88 b. Staff Loans / Adv. 0.67 6.58 1.11 0.06 c. Sundry Debtors 0.04 d. Cash In Transit 13.24 1.61 0.70 59.11 1.02 5.49 1.23 6.09 1.44 1.04 5.88 e. Others 0.66 9.25 1.13 0.56 0.17 0.26 0.08 0.08 1.66 9 Expenses not Written off 0.44 2.37 2.53 0.08 9.32 0.01 0.48 0.80 0.62 2.53 10 Non Banking Assets 11 Reconcillation Account 2.21 22.39 1.92 1.95 62.97 0.87 4.98 1.93 1.81 1.16 2.39 0.74 12 Profit & Loss A/c 1.31 0.38 0.63 TOTAL ASSETS 186.33 1709.41 361.16 123.43 4540.66 301.82 688.51 177.38 488.74 548.96 157.10 644.58

19 Liabilities Vibor Surya Social Sahara Sindhu Mission Tourism Raptiveri Khadbari Gaumukhi Consumer Mt. Makalu 1 CAPITAL FUND 740.60 10.44 74.59 156.72 18.32 451.66 68.12 13.44 13.95 44.23 12.38 397.77 a. Paid‐up Capital 681.83 14.00 60.00 140.00 17.50 400.00 70.00 14.80 14.00 51.00 14.00 382.65 b. Calls in Advance 13.41 c. General Reserves 29.59 ‐3.56 3.34 0.82 9.45 0.39 ‐6.77 ‐1.62 2.33 d. Share Premium e. Retained Earning 5.52 1.18 13.38 37.70 ‐2.27 ‐1.36 ‐0.05 9.33 f. Others Reserves Fund 23.67 4.51 3.45 g. Exchange Fluctuation Fund 2 BORROWINGS 968.60 20.00 5.29 5.92 a. NRB 688.60 b. "A"Class Licensed Institution 280.00 5.29 c. Foreign Banks and Fin. Ins. d. Other Financial Ins. 20.00 5.92 e. Bonds and Securities 3 DEPOSITS 2500.45 86.90 125.32 333.11 53.91 1416.34 475.97 51.94 42.97 342.85 73.20 454.56 a. Current 23.30 2.07 0.66 5.69 3.29 44.78 1.62 9.42 0.03 30.37 0.54 Domestic 23.30 2.07 0.66 5.69 3.29 38.71 1.62 9.42 0.03 30.37 0.54 Foreign 6.08 b. Savings 539.75 75.19 83.00 124.36 41.37 432.82 218.54 23.60 35.43 171.33 38.90 45.21 Domestic 539.75 75.19 83.00 124.36 41.37 431.94 218.54 23.60 35.43 171.33 38.90 45.21 Foreign 0.88 c. Fixed 1503.70 2.31 34.48 116.32 7.22 427.39 78.01 18.93 3.67 63.63 2.28 118.38 Domestic 1503.70 2.31 34.48 116.32 7.22 427.39 78.01 18.93 3.67 63.63 2.28 118.38 Foreign d. Call Deposits 432.82 7.33 7.18 86.46 2.03 493.37 177.80 3.85 1.50 290.43 e. Others 0.88 0.27 17.97 107.88 0.15 4 Bills Payable 1.07 1.22 5 Other Liabilities 462.06 2.58 9.66 21.93 3.21 65.52 11.03 2.09 1.01 14.30 3.62 51.24 1. Sundry Creditors 0.57 0.21 2.11 1.97 1.71 0.17 1.34 0.03 5.71 0.20 0.00 2. Loan Loss Provision 57.76 0.77 3.61 3.62 0.56 15.67 3.09 0.45 0.38 2.46 0.69 5.47 3. Interest Suspense a/c 68.75 0.99 2.65 6.62 0.36 22.47 1.84 0.30 0.56 1.84 0.44 21.41 4. Others 334.98 0.61 1.29 9.72 0.57 27.21 6.10 0.04 4.30 2.29 24.36 6 Reconcillation A/c 11.95 30.83 0.25 7 Profit & Loss A/c 0.03 0.59 0.99 0.01 TOTAL LIABILITIES 4672.78 111.89 240.40 532.35 75.69 1940.04 561.04 67.47 58.92 401.37 89.22 903.57 Assets 1 LIQUID FUNDS 155.63 23.80 49.05 145.14 9.10 519.78 204.64 11.38 18.37 129.68 32.38 192.19 a. Cash Balance 31.41 4.11 10.04 6.10 2.10 78.16 18.59 2.80 6.01 9.83 5.08 11.71 Nepalese Notes & Coins 31.41 3.69 10.04 6.10 2.10 65.33 18.59 2.80 6.01 9.46 5.08 11.71 Foreign Currency 0.43 12.82 0.37 b. Bank Balance 124.22 6.03 7.31 23.90 3.07 85.82 1.01 3.00 3.94 10.63 27.30 180.48 1. In Nepal Rastra Bank 85.79 7.19 23.42 85.82 1.01 3.00 10.53 49.27 Domestic Currency 85.79 7.19 23.42 82.03 1.01 3.00 10.53 49.27 Foreign Currency 3.79 2. "A"Class Licensed Institution 6.30 4.62 0.12 0.37 3.06 3.61 0.10 27.30 25.90 Domestic Currency 6.30 4.62 0.12 0.37 3.06 3.61 0.10 27.30 25.90 Foreign Currency 3. Other Financial Ins. 32.13 1.41 0.11 0.01 0.33 105.32 4. In Foreign Banks c. Money at Call 13.65 31.70 115.14 3.94 355.80 185.04 5.58 8.41 109.23 Domestic Currency 13.65 31.70 115.14 3.94 351.79 185.04 5.58 8.41 109.23 Foreign Currency 4.02 2 INVESTMENT IN SECURITIES 110.00 19.44 9.18 a. Govt.Securities 110.00 9.44 9.18 b. NRB Bond 10.00 c. Govt.Non‐Fin. Ins. d. Other Non‐Fin Ins. e Non Residents 3 SHARE & OTHER INVESTMENT 359.47 50.00 55.20 a. Non Residents b. Others 359.47 50.00 55.20 4 LOANS & ADVANCES 2208.64 69.93 147.58 355.47 58.51 1255.38 325.47 46.75 37.85 246.05 50.48 546.52 a. Private Sector 2092.63 69.93 147.58 347.97 58.51 1255.38 325.47 46.75 37.85 246.05 50.48 532.52 b. Financial Institutions 110.91 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 127.89 3.97 6.63 19.27 1.74 40.77 23.71 6.56 1.50 17.12 3.89 56.31 8 OTHER ASSETS 1477.00 1.91 6.42 12.47 5.62 53.50 5.42 1.84 1.05 6.64 1.25 33.93 a. Accrued Interest: 68.75 0.99 2.60 6.62 0.36 25.82 1.84 0.30 0.56 1.84 0.48 22.02 b. Staff Loans / Adv. 0.78 0.06 3.35 0.73 c. Sundry Debtors 0.02 d. Cash In Transit 67.95 0.99 2.60 6.55 0.36 22.47 1.84 0.30 0.56 1.84 0.48 21.29 e. Others 27.62 0.03 1.08 3.43 0.25 2.54 0.11 0.44 0.02 1.20 9 Expenses not Written off 0.91 0.24 2.27 0.12 4.61 10.67 1.80 0.93 0.19 ‐0.37 0.07 10 Non Banking Assets 0.33 11 Reconcillation Account 1379.72 0.64 0.47 2.30 0.40 14.14 1.65 0.61 0.29 4.37 1.12 10.65 12 Profit & Loss A/c 114.61 1.06 0.24 1.17 1.07 0.23 1.88 0.67 10.23 TOTAL ASSETS 4672.78 111.89 240.40 532.35 75.69 1940.04 561.04 67.47 58.92 401.37 89.22 903.57

20 Liabilities Ekata NCDBL Cosmos Manaslu Kalinchowk Samabriddhi 1 CAPITAL FUND 66.40 14.98 67.19 70.90 60.00 a. Paid‐up Capital 70.00 17.50 70.00 70.00 60.00 b. Calls in Advance c. General Reserves ‐3.60 0.06 d. Share Premium e. Retained Earning ‐2.52 ‐2.81 0.22 f. Others Reserves Fund 0.62 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 289.84 61.77 133.91 63.92 19.50 a. Current 2.26 1.45 1.23 0.47 Domestic 2.26 1.45 1.23 0.47 Foreign b. Savings 69.04 46.22 77.69 29.64 17.25 Domestic 69.04 46.22 77.69 29.64 17.25 Foreign c. Fixed 53.71 3.03 8.03 6.34 1.33 Domestic 53.71 3.03 8.03 6.34 1.33 Foreign d. Call Deposits 164.83 12.48 46.74 26.71 0.44 e. Others 0.05 4 Bills Payable 0.03 5 Other Liabilities 10.47 2.17 4.11 3.47 0.18 1. Sundry Creditors 1.40 0.76 1.17 0.40 0.01 2. Loan Loss Provision 1.78 0.51 1.20 0.82 3. Interest Suspense a/c 0.84 0.14 0.81 4. Others 6.45 0.76 0.94 2.25 0.16 6 Reconcillation A/c 2.36 7 Profit & Loss A/c 0.02 TOTAL LIABILITIES 366.71 78.92 207.58 138.32 79.69 Assets 1 LIQUID FUNDS 157.73 28.41 52.51 42.60 69.43 a. Cash Balance 7.58 4.95 4.83 7.17 1.14 Nepalese Notes & Coins 7.58 4.95 4.82 7.17 1.14 Foreign Currency 0.01 b. Bank Balance 19.82 2.64 8.15 35.43 68.29 1. In Nepal Rastra Bank 15.43 4.90 0.03 Domestic Currency 15.43 4.90 0.03 Foreign Currency 2. "A"Class Licensed Institution 4.40 2.64 8.15 8.22 65.80 Domestic Currency 4.40 2.64 8.15 8.22 65.80 Foreign Currency 3. Other Financial Ins. 22.31 2.46 4. In Foreign Banks c. Money at Call 130.33 20.82 39.52 Domestic Currency 130.33 20.82 39.52 Foreign Currency 2 INVESTMENT IN SECURITIES a. Govt.Securities b. NRB Bond c. Govt.Non‐Fin. Ins. d. Other Non‐Fin Ins. e Non Residents 3 SHARE & OTHER INVESTMENT a. Non Residents b. Others 4 LOANS & ADVANCES 178.48 40.89 131.24 82.39 3.31 a. Private Sector 178.48 40.89 131.24 82.39 3.31 b. Financial Institutions c. Government Organizations 5 BILL PURCHASED a. Domestic Bills Purchased b. Foreign Bills Purchased c. Import Bills & Imports 6 LOANS AGAINST COLLECTED BILLS a. Against Domestic Bills b. Against Foreign Bills 7 FIXED ASSETS 20.03 6.64 16.30 10.12 2.82 8 OTHER ASSETS 7.85 1.22 4.05 2.92 4.14 a. Accrued Interest: 0.84 0.14 0.81 b. Staff Loans / Adv. c. Sundry Debtors d. Cash In Transit 0.84 0.14 0.81 e. Others 0.18 0.03 0.54 9 Expenses not Written off 0.01 2.05 0.67 3.82 10 Non Banking Assets 11 Reconcillation Account 6.83 1.04 0.66 2.25 0.32 12 Profit & Loss A/c 2.62 1.73 1.13 0.29 TOTAL ASSETS 366.71 78.92 207.58 138.32 79.69

21 Statement of Assets and Liabilities of Finance Companies

Liabilities FC Nepal Nepal Union NSMFL Gorkha Finance Peoples NHDFCL National Narayani Narayani Himalaya Annapurna Annapurna Kathmandu Merchantile Merchantile NIDC Capital Capital NIDC 1 CAPITAL FUND 213.10 182.84 384.90 870.42 901.01 ‐167.29 56.02 35.47 167.81 160.30 234.19 186.76 a. Paid‐up Capital 167.60 111.44 222.36 647.48 704.29 2034.29 289.01 18.00 138.01 140.00 176.19 145.81 b. Calls in Advance c. General Reserves 44.30 34.40 64.98 109.77 85.02 58.80 26.20 6.06 27.22 8.30 29.89 10.27 d. Share Premium 12.79 2.48 10.74 0.22 0.07 e. Retained Earning 0.80 37.00 94.48 96.09 109.55 ‐2272.15 ‐270.83 0.18 2.37 7.20 26.77 30.00 f. Others Reserves Fund 0.40 3.09 4.28 2.16 9.29 0.89 11.23 4.80 1.34 0.61 g. Exchange Fluctuation Fund 2 BORROWINGS 23.00 37.50 451.52 30.00 180.00 50.00 a. NRB b. "A"Class Licensed Institution 23.00 37.50 338.72 180.00 30.00 c. Foreign Banks and Fin. Ins. d. Other Financial Ins. 112.81 30.00 20.00 e. Bonds and Securities 3 DEPOSITS 492.90 615.09 1326.53 2548.81 3670.11 2206.43 656.20 44.15 397.05 523.67 951.30 290.04 a. Current 0.85 28.56 9.20 Domestic 0.85 28.56 9.20 Foreign b. Savings 74.70 141.14 375.81 650.88 1356.96 1077.75 154.56 95.68 83.08 172.53 43.96 Domestic 74.70 141.14 375.81 650.88 1356.96 1077.75 154.56 95.68 83.08 172.53 43.96 Foreign c. Fixed 397.90 470.50 815.84 1875.48 1711.30 1128.69 488.45 44.06 301.37 440.59 660.95 246.08 Domestic 397.90 470.50 815.84 1875.48 1711.30 1128.69 488.45 44.06 301.37 440.59 660.95 246.08 Foreign d. Call Deposits 134.04 573.29 30.30 e. Others 20.30 3.45 22.45 13.18 0.09 78.31 4 Bills Payable 0.18 5 Other Liabilities 116.50 206.88 298.17 282.80 286.98 3770.50 458.72 3.45 68.43 66.87 77.18 52.46 1. Sundry Creditors 16.40 23.23 24.21 3.37 10.59 19.19 35.52 0.02 1.68 11.66 0.76 2. Loan Loss Provision 25.20 17.15 66.37 61.27 99.31 2748.52 357.46 1.93 20.64 18.90 25.68 18.50 3. Interest Suspense a/c 20.40 34.52 84.71 75.01 67.81 584.92 54.82 8.86 5.67 18.79 22.99 4. Others 54.50 131.99 122.88 143.14 109.27 417.88 10.93 1.49 37.25 30.64 32.72 10.21 6 Reconcillation A/c 7 Profit & Loss A/c ‐7.65 5.39 18.81 3.98 TOTAL LIABILITIES 822.50 1020.17 2047.11 3707.42 4876.92 6261.16 1200.94 87.05 633.30 930.84 1312.84 529.26 Assets 1 LIQUID FUNDS 267.70 115.17 556.43 626.68 960.57 81.24 85.36 4.83 123.75 174.75 134.55 61.49 a. Cash Balance 1.60 3.56 4.17 41.41 79.27 10.73 3.85 0.12 3.89 8.29 5.63 2.55 Nepalese Notes & Coins 1.60 3.40 4.17 41.41 79.08 10.73 3.85 0.12 3.89 8.29 5.63 2.55 Foreign Currency 0.16 0.19 b. Bank Balance 196.10 14.89 532.26 585.27 192.96 44.79 7.25 4.71 119.86 166.46 55.51 18.94 1. In Nepal Rastra Bank 30.80 14.67 133.20 62.87 185.88 11.49 6.85 0.91 22.46 31.44 54.32 17.28 Domestic Currency 30.80 14.67 133.20 62.87 185.88 11.49 6.85 0.91 22.46 31.44 54.32 17.28 Foreign Currency 2. "A"Class Licensed Institution 86.50 0.21 70.55 478.52 7.09 26.39 0.40 0.25 97.40 135.02 1.06 1.66 Domestic Currency 86.50 0.21 70.55 478.52 7.09 26.39 0.40 0.25 97.40 135.02 1.06 1.66 Foreign Currency 3. Other Financial Ins. 78.80 0.02 328.51 43.88 6.91 3.55 0.13 4. In Foreign Banks c. Money at Call 70.00 96.72 20.00 688.33 25.72 74.27 73.41 39.99 Domestic Currency 70.00 96.72 20.00 688.33 25.72 74.27 73.41 39.99 Foreign Currency 2 INVESTMENT IN SECURITIES 25.00 24.55 55.27 79.94 108.65 10.91 3.00 12.50 44.94 3.00 a. Govt.Securities 25.00 24.55 55.27 79.94 108.65 10.91 3.00 12.50 44.94 3.00 b. NRB Bond c. Govt.Non‐Fin. Ins. d. Other Non‐Fin Ins. e Non Residents 3 SHARE & OTHER INVESTMENT 0.20 21.83 82.36 68.99 172.01 109.66 5.68 4.68 52.35 0.07 6.09 0.73 a. Non Residents b. Others 0.20 21.83 82.36 68.99 172.01 109.66 5.68 4.68 52.35 0.07 6.09 0.73 4 LOANS & ADVANCES 461.80 712.37 1134.95 2630.91 3404.89 4384.17 895.67 70.25 408.64 714.17 1031.93 377.94 a. Private Sector 461.80 712.37 1134.95 2630.91 3404.89 4288.22 895.67 70.25 408.64 714.17 1028.68 377.94 b. Financial Institutions 62.50 c. Government Organizations 33.45 3.25 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 4.70 5.31 48.26 112.63 128.59 166.58 125.07 0.85 18.52 16.10 32.19 55.86 8 OTHER ASSETS 58.80 137.12 143.82 180.21 99.80 1304.55 66.48 3.44 13.47 18.19 51.16 28.49 a. Accrued Interest: 33.60 36.80 84.71 75.01 67.81 582.17 55.00 8.86 5.67 18.79 23.08 b. Staff Loans / Adv. 9.70 0.73 27.72 5.67 c. Sundry Debtors 0.09 d. Cash In Transit 23.90 36.08 84.71 75.01 40.09 582.17 55.00 8.86 18.79 22.99 e. Others 13.70 0.01 0.32 20.17 7.67 8.35 0.04 0.08 6.69 5.84 9 Expenses not Written off 2.40 14.23 10.74 19.06 137.37 1.06 2.86 0.07 0.89 14.03 0.25 10 Non Banking Assets 11 Reconcillation Account 9.10 86.08 58.79 74.29 5.27 576.66 10.43 0.54 4.46 4.95 12.50 5.15 12 Profit & Loss A/c 4.30 7.53 176.79 22.64 3.88 6.00 11.60 1.72 TOTAL ASSETS 822.50 1020.17 2047.11 3707.42 4876.92 6261.16 1200.94 87.05 633.30 930.84 1312.84 529.26

22 FC hal

Liabilities Yeti Shree ILFCO Investa Investa Lumbini Standard Goodwill Universal Samjhana N.Housing N.Housing Siddhartha Siddhartha Investment &Merchant Paschimanc 1 CAPITAL FUND 285.50 330.75 190.87 360.14 217.15 211.54 440.08 78.24 241.05 1102.29 2277.10 a. Paid‐up Capital 220.84 220.30 152.00 300.00 130.87 160.00 268.13 24.00 161.00 1001.88 2008.80 b. Calls in Advance c. General Reserves 57.49 44.20 37.04 22.93 29.41 50.47 78.39 11.44 23.25 43.38 109.38 d. Share Premium 0.22 1.41 5.33 1.43 3.59 e. Retained Earning 5.46 62.77 0.54 35.79 56.87 1.07 80.27 38.00 55.28 48.63 155.33 f. Others Reserves Fund 1.72 3.27 1.29 7.97 4.80 0.09 8.40 g. Exchange Fluctuation Fund 2 BORROWINGS 157.50 107.50 188.00 a. NRB 108.00 b. "A"Class Licensed Institution 78.00 107.50 80.00 c. Foreign Banks and Fin. Ins. d. Other Financial Ins. 79.50 e. Bonds and Securities 3 DEPOSITS 1437.17 1522.01 939.34 1347.81 995.65 1226.38 1311.59 1006.63 2743.08 1393.58 a. Current 10.12 5.76 Domestic 10.12 5.76 Foreign b. Savings 557.38 136.12 150.42 446.97 383.16 296.18 262.83 339.77 971.34 227.65 Domestic 557.38 136.12 150.42 446.97 383.16 296.18 262.83 339.77 971.34 227.65 Foreign c. Fixed 879.79 1188.09 751.95 900.76 608.80 930.19 960.98 576.69 1449.97 1095.71 Domestic 879.79 1188.09 751.95 900.76 608.80 930.19 960.98 576.69 1449.97 1095.71 Foreign d. Call Deposits 311.61 36.81 e. Others 197.80 36.97 0.09 3.69 87.77 90.17 0.05 27.64 4 Bills Payable 5 Other Liabilities 233.41 192.06 142.03 131.42 66.37 97.79 309.21 15.27 93.90 206.96 502.88 1. Sundry Creditors 6.97 9.66 3.97 8.04 6.48 1.42 0.12 4.06 0.01 27.56 2. Loan Loss Provision 63.95 46.55 21.44 24.69 23.23 13.39 138.02 12.71 30.07 59.30 172.06 3. Interest Suspense a/c 45.43 35.27 34.11 16.03 11.03 20.13 117.64 27.51 54.99 171.16 4. Others 117.06 110.25 76.83 86.72 24.06 57.79 52.14 2.44 32.26 92.66 132.11 6 Reconcillation A/c 0.13 0.30 7 Profit & Loss A/c 0.45 2.33 3.09 3.73 2.29 11.31 1.92 15.35 TOTAL LIABILITIES 1956.53 2047.15 1432.84 1950.59 1281.46 1535.71 2072.19 95.44 1341.57 4240.46 4189.21 Assets 1 LIQUID FUNDS 395.30 147.45 154.13 138.63 287.31 164.41 244.88 10.95 317.62 944.37 772.36 a. Cash Balance 14.25 8.34 3.13 50.42 9.58 5.44 4.03 0.01 7.10 102.99 11.57 Nepalese Notes & Coins 14.25 8.34 3.13 50.42 9.58 5.44 4.03 0.01 7.10 102.99 11.57 Foreign Currency b. Bank Balance 381.05 71.11 49.46 88.20 277.73 158.97 53.69 10.94 22.21 841.39 760.79 1. In Nepal Rastra Bank 41.38 56.72 35.93 28.48 10.59 24.23 33.13 0.01 0.30 137.30 101.31 Domestic Currency 41.38 56.72 35.93 28.48 10.59 24.23 33.13 0.01 0.30 137.30 101.31 Foreign Currency 2. "A"Class Licensed Institution 339.67 14.30 13.52 59.73 85.34 102.26 3.49 10.93 21.84 546.80 561.62 Domestic Currency 339.67 14.30 13.52 59.73 85.34 102.26 3.49 10.93 21.84 546.80 561.62 Foreign Currency 3. Other Financial Ins. 0.08 181.80 32.49 17.07 0.07 157.29 97.86 4. In Foreign Banks c. Money at Call 68.00 101.54 187.16 288.31 Domestic Currency 68.00 101.54 187.16 288.31 Foreign Currency 2 INVESTMENT IN SECURITIES 20.00 94.86 38.34 128.07 50.00 45.49 53.63 30.00 30.63 79.80 167.05 a. Govt.Securities 20.00 43.29 38.34 128.07 50.00 45.49 53.63 30.00 30.63 79.80 167.05 b. NRB Bond c. Govt.Non‐Fin. Ins. d. Other Non‐Fin Ins. 51.58 e Non Residents 3 SHARE & OTHER INVESTMENT 17.20 18.71 3.57 43.81 1.49 0.30 19.20 0.64 67.16 51.26 a. Non Residents 0.26 b. Others 17.20 18.71 3.57 43.81 1.49 0.30 19.20 0.64 67.16 51.00 4 LOANS & ADVANCES 1331.59 1503.19 1045.85 1317.82 867.35 1152.00 1583.15 45.67 910.68 2792.99 2894.56 a. Private Sector 1331.59 1503.19 867.35 1152.00 1583.15 910.68 2792.99 2863.56 b. Financial Institutions 1035.88 1317.82 45.67 31.00 c. Government Organizations 9.97 5 BILL PURCHASED 3.94 a. Domestic Bills Purchased 3.94 b. Foreign Bills Purchased c. Import Bills & Imports 6 LOANS AGAINST COLLECTED BILLS a. Against Domestic Bills b. Against Foreign Bills 7 FIXED ASSETS 41.02 133.09 103.69 235.08 20.85 123.75 14.32 2.26 16.47 192.17 75.74 8 OTHER ASSETS 142.12 148.44 84.85 76.55 49.29 44.85 142.71 6.57 55.26 134.67 216.33 a. Accrued Interest: 56.66 46.33 76.89 50.07 11.03 21.33 117.64 2.20 28.96 56.05 179.59 b. Staff Loans / Adv. 34.04 2.20 1.45 1.06 8.71 c. Sundry Debtors 1.20 d. Cash In Transit 56.66 46.33 76.89 16.03 11.03 20.13 117.64 27.51 54.99 170.88 e. Others 11.79 6.39 1.54 11.36 0.83 1.56 0.15 1.19 7.78 9 Expenses not Written off 4.00 3.25 0.29 13.07 2.80 0.00 9.61 0.00 10.53 10 Non Banking Assets 11 Reconcillation Account 69.67 95.71 4.72 24.65 13.83 19.89 23.51 4.21 15.51 70.84 26.21 12 Profit & Loss A/c 3.48 1.30 2.74 TOTAL ASSETS 1956.53 2047.15 1432.84 1950.59 1281.46 1535.71 2072.19 95.44 1341.57 4240.46 4189.21

23 Liabilities Alpic Janaki Central Everest Lalitpur General Premier Pokhara United FC United Navadurga Mahalaxmi Bhajuratna Progressive 1 CAPITAL FUND 532.01 281.43 101.06 405.39 172.20 134.54 172.99 145.75 155.25 421.82 226.79 154.81 a. Paid‐up Capital 420.00 187.95 56.16 350.80 96.97 120.00 107.87 126.63 97.50 312.00 168.36 120.67 b. Calls in Advance 32.93 c. General Reserves 44.97 63.33 11.75 35.06 11.03 2.35 19.04 18.32 35.08 60.78 28.23 17.06 d. Share Premium 1.49 3.89 4.84 4.32 0.12 0.43 e. Retained Earning 67.04 30.15 10.54 18.03 38.77 2.12 0.22 0.79 22.67 42.48 27.35 16.65 f. Others Reserves Fund 22.62 0.00 21.54 5.23 12.93 2.24 2.74 g. Exchange Fluctuation Fund 2 BORROWINGS 10.00 95.00 10.00 5.00 45.00 61.00 39.00 a. NRB 46.00 b. "A"Class Licensed Institution 95.00 5.00 30.00 15.00 19.00 c. Foreign Banks and Fin. Ins. d. Other Financial Ins. 10.00 10.00 15.00 20.00 e. Bonds and Securities 3 DEPOSITS 2060.60 1632.45 185.23 2363.70 906.63 189.74 657.40 1031.95 753.44 1375.28 1718.25 1025.30 a. Current Domestic Foreign b. Savings 878.56 581.57 35.81 793.05 281.73 78.68 263.65 465.41 224.25 751.42 612.86 293.91 Domestic 878.56 581.57 35.81 793.05 281.73 78.68 263.65 465.41 224.25 751.42 612.86 293.91 Foreign c. Fixed 1177.93 1041.10 148.85 1570.65 624.90 111.05 393.75 566.54 506.13 623.86 1105.39 607.39 Domestic 1177.93 24.81 148.85 1570.65 624.90 111.05 393.75 566.54 506.13 623.86 1105.39 607.39 Foreign 1016.29 d. Call Deposits e. Others 4.10 9.78 0.57 23.06 124.00 4 Bills Payable 2.00 5 Other Liabilities 170.53 443.01 43.49 216.54 112.35 32.56 150.74 77.74 242.88 245.55 179.37 154.09 1. Sundry Creditors 8.35 0.64 18.60 76.67 5.17 2.02 5.88 1.66 3.85 64.04 6.95 23.93 2. Loan Loss Provision 43.50 136.73 9.33 48.57 32.07 15.58 30.91 16.52 65.11 90.21 40.94 43.75 3. Interest Suspense a/c 30.83 216.73 8.37 42.68 53.21 10.31 55.50 12.21 70.27 41.48 75.67 48.82 4. Others 87.85 88.91 7.18 48.62 21.91 4.64 58.45 47.36 103.65 49.83 55.81 37.59 6 Reconcillation A/c 0.16 1.44 726.70 ‐2.08 7 Profit & Loss A/c 0.95 0.79 3.40 27.35 TOTAL LIABILITIES 2773.29 2453.33 329.78 3712.33 1199.11 362.79 1026.92 1260.84 1178.93 2042.65 2185.41 1373.20 Assets 1 LIQUID FUNDS 640.60 130.80 70.18 367.32 92.06 68.23 75.62 256.33 129.96 544.33 369.28 154.67 a. Cash Balance 16.11 3.91 0.43 35.19 9.14 3.95 4.23 11.35 2.11 14.34 17.40 17.95 Nepalese Notes & Coins 16.11 3.91 0.43 35.19 9.14 3.95 4.23 11.35 2.11 14.34 17.40 17.95 Foreign Currency b. Bank Balance 98.24 106.89 69.75 332.12 82.92 64.28 71.39 244.98 17.05 74.20 115.35 136.71 1. In Nepal Rastra Bank 95.76 76.47 7.74 97.56 32.36 5.57 26.29 23.02 15.22 74.20 115.35 28.75 Domestic Currency 95.76 76.47 7.74 97.56 32.36 5.57 26.29 23.02 15.22 74.20 115.35 28.75 Foreign Currency 2. "A"Class Licensed Institution 2.20 30.42 62.01 198.39 27.55 22.15 20.13 159.64 1.83 27.27 Domestic Currency 2.20 30.42 62.01 198.39 27.55 22.15 20.13 159.64 1.83 27.27 Foreign Currency 3. Other Financial Ins. 0.29 36.17 23.01 36.56 24.97 62.32 80.69 4. In Foreign Banks c. Money at Call 526.25 20.00 110.81 455.80 236.53 Domestic Currency 526.25 20.00 110.81 455.80 236.53 Foreign Currency 2 INVESTMENT IN SECURITIES 72.88 16.50 4.25 62.50 15.00 3.20 30.00 33.37 13.82 30.00 26.60 a. Govt.Securities 72.88 16.50 4.25 62.50 15.00 3.20 30.00 33.37 13.82 30.00 26.60 b. NRB Bond c. Govt.Non‐Fin. Ins. d. Other Non‐Fin Ins. e Non Residents 3 SHARE & OTHER INVESTMENT 126.07 15.54 65.64 0.43 20.10 2.31 3.50 68.43 287.61 2.29 31.99 1.70 a. Non Residents b. Others 126.07 15.54 65.64 0.43 20.10 2.31 3.50 68.43 287.61 2.29 31.99 1.70 4 LOANS & ADVANCES 1815.10 1943.07 149.52 2413.03 975.56 260.95 738.75 813.63 656.54 1293.99 1544.28 1009.42 a. Private Sector 1805.10 1943.07 149.52 2413.03 965.56 256.96 734.73 802.24 654.36 1293.99 1544.28 1009.42 b. Financial Institutions 10.00 10.00 3.99 4.02 9.86 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 29.80 48.98 1.61 78.47 5.81 5.54 63.36 46.17 14.86 128.46 48.84 51.81 8 OTHER ASSETS 82.21 265.15 33.09 55.50 73.59 21.52 75.03 42.86 71.29 70.33 113.49 111.90 a. Accrued Interest: 30.83 216.73 7.04 44.66 53.21 10.31 55.50 12.21 70.27 41.48 75.67 91.32 b. Staff Loans / Adv. 0.09 7.04 0.13 c. Sundry Debtors 1.98 d. Cash In Transit 30.74 216.73 42.68 53.21 10.31 55.37 12.21 70.27 41.48 75.67 91.32 e. Others 5.10 19.57 0.37 1.65 3.58 0.56 0.65 0.45 1.18 9 Expenses not Written off 8.22 0.64 21.75 5.15 16.74 6.79 7.14 24.51 0.14 0.05 5.08 5.21 10 Non Banking Assets 11 Reconcillation Account 38.06 28.21 3.93 4.03 0.05 3.85 11.74 5.70 0.88 28.81 31.57 15.37 12 Profit & Loss A/c 4.37 31.41 5.50 5.22 8.50 7.05 3.25 28.27 7.75 TOTAL ASSETS 2773.29 2453.33 329.78 3712.33 1199.11 362.79 1026.92 1260.84 1178.93 2042.65 2185.41 1373.20

24 e

Liabilities Om CMB Arun Royal Patan Srijana Crystal Butwal WMBFL CMBFCL Guheshwori Multipurpos 1 CAPITAL FUND 113.31 34.44 254.61 70.55 296.71 124.41 116.56 167.32 147.82 362.91 189.53 142.33 a. Paid‐up Capital 150.00 25.00 208.99 28.00 246.75 150.00 181.98 935.07 70.00 299.09 135.35 110.00 b. Calls in Advance 8.00 26.70 24.49 c. General Reserves 1.96 1.34 21.26 4.02 25.38 18.33 20.69 37.10 10.38 21.11 23.72 7.42 d. Share Premium 0.24 1.04 0.28 1.36 2.61 0.39 0.48 e. Retained Earning ‐46.65 7.15 23.71 11.84 23.52 ‐74.05 ‐87.47 ‐807.47 26.15 40.77 10.16 23.94 f. Others Reserves Fund 0.96 0.40 0.02 29.86 16.80 1.54 20.30 0.50 g. Exchange Fluctuation Fund 2 BORROWINGS 9.00 63.60 91.31 113.05 295.75 184.30 4.00 a. NRB 91.31 b. "A"Class Licensed Institution 63.60 101.20 176.75 123.00 c. Foreign Banks and Fin. Ins. d. Other Financial Ins. 9.00 11.85 119.00 61.30 4.00 e. Bonds and Securities 3 DEPOSITS 175.98 60.80 1432.00 97.80 2447.97 462.80 677.77 2087.90 718.01 1572.45 759.92 367.03 a. Current Domestic Foreign b. Savings 67.11 13.01 592.43 53.09 1154.61 211.47 262.96 465.67 326.40 660.27 143.17 160.94 Domestic 67.11 13.01 592.43 53.09 1154.61 211.47 262.96 465.67 326.40 660.27 143.17 160.94 Foreign c. Fixed 108.87 47.79 829.81 37.62 1293.35 251.33 414.81 1048.69 388.86 910.32 528.00 206.09 Domestic 108.87 47.79 829.81 37.62 1293.35 251.33 414.81 1048.69 388.86 910.32 528.00 206.09 Foreign d. Call Deposits e. Others 9.76 7.09 573.55 2.76 1.86 88.75 4 Bills Payable 0.19 0.11 5 Other Liabilities 79.39 24.35 168.90 57.53 181.51 185.25 267.68 2250.89 144.19 149.40 98.18 76.74 1. Sundry Creditors 0.64 2.72 7.17 41.77 6.09 1.00 1.84 16.14 0.75 0.49 6.04 0.46 2. Loan Loss Provision 41.76 7.62 46.92 2.01 29.75 101.89 154.54 1638.72 36.58 38.50 35.81 24.48 3. Interest Suspense a/c 18.96 6.17 48.54 1.56 41.65 35.36 73.36 293.56 61.04 58.57 18.75 19.15 4. Others 18.03 7.84 66.27 12.19 104.02 46.99 37.95 302.46 45.82 51.84 37.57 32.65 6 Reconcillation A/c 4.17 0.26 7 Profit & Loss A/c 0.48 3.41 9.23 TOTAL LIABILITIES 381.86 120.08 1919.36 229.29 2926.18 772.45 1153.32 4619.15 1305.77 2269.25 1056.96 590.10 Assets 1 LIQUID FUNDS 37.15 9.44 444.89 47.59 536.77 158.95 18.12 123.33 54.61 157.85 193.24 68.90 a. Cash Balance 2.38 2.15 22.96 3.70 22.61 2.88 3.28 4.53 5.68 23.50 4.83 1.87 Nepalese Notes & Coins 2.38 2.15 22.96 3.70 22.61 2.88 3.28 4.53 5.68 23.50 4.70 1.87 Foreign Currency 0.13 b. Bank Balance 13.73 7.28 421.93 13.77 514.17 156.06 9.91 118.80 48.53 51.05 17.56 67.03 1. In Nepal Rastra Bank 13.40 38.88 2.69 52.43 9.50 0.23 19.63 0.30 42.98 17.28 36.58 Domestic Currency 13.40 38.88 2.69 52.43 9.50 0.23 19.63 0.30 42.98 17.28 36.58 Foreign Currency 2. "A"Class Licensed Institution 0.33 7.28 187.76 10.07 379.34 19.31 0.46 20.24 47.32 8.02 0.27 27.03 Domestic Currency 0.33 7.28 187.76 10.07 379.34 19.31 0.46 20.24 47.32 8.02 0.27 27.03 Foreign Currency 3. Other Financial Ins. 195.29 1.00 82.39 127.25 9.22 78.93 0.91 0.04 0.01 3.43 4. In Foreign Banks c. Money at Call 21.04 30.12 4.92 0.40 83.31 170.86 Domestic Currency 21.04 30.12 4.92 0.40 83.31 170.86 Foreign Currency 2 INVESTMENT IN SECURITIES 70.16 74.55 20.00 32.00 0.20 92.85 28.00 a. Govt.Securities 70.16 74.55 20.00 32.00 0.20 92.85 28.00 b. NRB Bond c. Govt.Non‐Fin. Ins. d. Other Non‐Fin Ins. e Non Residents 3 SHARE & OTHER INVESTMENT 3.10 0.19 7.60 0.32 41.03 12.21 40.09 30.03 5.60 72.37 8.73 57.63 a. Non Residents 0.32 3.10 42.69 b. Others 3.10 0.19 7.60 41.03 12.21 40.09 30.03 2.50 29.67 8.73 57.63 4 LOANS & ADVANCES 242.40 94.29 1204.10 134.35 2126.61 466.72 908.59 3132.01 983.37 1698.37 744.81 362.17 a. Private Sector 242.40 94.29 1204.10 134.35 2126.61 466.72 897.35 2928.62 669.48 1663.75 744.81 359.37 b. Financial Institutions 7.50 203.40 313.89 34.62 2.50 c. Government Organizations 3.74 0.30 5 BILL PURCHASED 3.80 a. Domestic Bills Purchased 3.80 b. Foreign Bills Purchased c. Import Bills & Imports 6 LOANS AGAINST COLLECTED BILLS a. Against Domestic Bills b. Against Foreign Bills 7 FIXED ASSETS 10.62 2.07 75.55 5.03 65.58 8.78 30.15 168.45 107.19 141.27 59.78 22.17 8 OTHER ASSETS 34.47 12.52 93.84 41.07 75.26 100.68 105.69 413.00 149.90 85.16 21.50 58.20 a. Accrued Interest: 18.96 6.17 56.00 1.56 44.42 35.36 79.13 293.56 61.04 58.57 18.75 24.12 b. Staff Loans / Adv. 5.98 1.85 61.04 4.97 c. Sundry Debtors 0.13 2.77 0.06 d. Cash In Transit 18.96 6.17 55.87 1.56 41.65 35.36 73.08 291.71 58.57 18.75 19.15 e. Others 0.61 2.96 4.83 1.41 4.79 1.93 12.80 0.45 5.06 2.05 9 Expenses not Written off 5.31 0.91 22.82 27.59 0.59 2.49 0.15 3.70 61.15 2.13 2.30 2.03 10 Non Banking Assets 11 Reconcillation Account 9.58 2.48 10.19 10.51 25.46 60.90 13.61 115.29 27.71 19.40 0.45 29.99 12 Profit & Loss A/c 45.49 20.33 3.71 4.79 15.00 752.14 4.91 17.04 11.58 TOTAL ASSETS 381.86 120.08 1919.36 229.29 2926.19 772.45 1153.32 4619.15 1305.77 2269.25 1056.96 590.10

25 Liabilities IME Civil ICFC NEFL Fewa Kuber Kuber Prabhu Everest Shikhar Imperial Prudential Sagarmatha 1 CAPITAL FUND 353.91 102.33 361.61 439.81 650.18 191.34 148.33 168.01 532.54 170.93 202.61 162.15 a. Paid‐up Capital 300.30 74.85 293.06 329.38 359.87 137.50 137.50 130.00 408.00 138.00 150.00 143.00 b. Calls in Advance 68.65 25.23 c. General Reserves 42.83 6.19 13.72 32.54 38.09 15.77 10.24 9.48 40.12 9.85 7.68 8.71 d. Share Premium 3.49 0.83 3.97 5.41 0.10 0.18 3.41 0.62 e. Retained Earning 7.29 20.45 49.58 77.17 179.60 27.83 0.49 28.04 80.95 23.07 19.08 10.28 f. Others Reserves Fund 5.25 0.71 4.84 0.31 0.06 0.16 g. Exchange Fluctuation Fund 2 BORROWINGS 153.50 60.00 40.00 63.60 a. NRB b. "A"Class Licensed Institution 138.50 60.00 10.00 18.10 c. Foreign Banks and Fin. Ins. d. Other Financial Ins. 15.00 30.00 45.50 e. Bonds and Securities 3 DEPOSITS 2032.80 273.22 837.61 3056.82 4673.15 1167.38 558.42 454.94 5646.55 748.19 951.06 510.55 a. Current Domestic Foreign b. Savings 781.85 142.18 340.20 1521.66 3392.42 292.19 192.21 187.41 4180.19 259.96 288.94 322.66 Domestic 781.85 142.18 340.20 1521.66 3392.42 292.19 192.21 187.41 4180.19 259.96 288.94 322.66 Foreign c. Fixed 1059.97 131.05 497.05 1533.16 879.59 734.83 364.78 226.82 1435.06 488.23 662.12 187.76 Domestic 1059.97 131.05 497.05 1533.16 879.59 734.83 364.78 226.82 1435.06 488.23 662.12 187.76 Foreign d. Call Deposits e. Others 190.98 0.36 2.00 401.14 140.36 1.44 40.71 31.30 0.13 4 Bills Payable 5 Other Liabilities 172.65 42.82 268.37 161.40 272.43 95.33 95.72 53.52 352.66 69.48 143.95 27.17 1. Sundry Creditors 0.52 3.10 0.86 1.03 73.54 2.21 0.24 0.38 1.58 0.67 18.23 1.36 2. Loan Loss Provision 34.54 12.04 98.81 52.08 77.38 24.10 15.32 13.26 46.55 18.65 35.89 5.39 3. Interest Suspense a/c 38.48 7.97 45.46 12.90 60.53 30.70 18.50 18.41 75.18 31.28 62.33 4.16 4. Others 99.10 19.72 123.24 95.39 60.99 38.32 61.66 21.47 229.34 18.88 27.50 16.26 6 Reconcillation A/c 182.58 44.71 483.99 7 Profit & Loss A/c 2.04 0.66 22.16 15.71 2.39 TOTAL LIABILITIES 2561.40 419.02 1621.10 3740.19 5611.47 1636.62 842.48 676.47 6531.75 1033.31 1845.20 702.26 Assets 1 LIQUID FUNDS 607.28 144.20 42.70 926.19 1201.66 246.06 127.81 169.31 1329.16 224.92 35.56 224.32 a. Cash Balance 47.15 3.08 8.28 83.95 100.97 15.26 7.02 1.27 187.03 4.89 9.34 7.16 Nepalese Notes & Coins 47.15 3.07 8.26 83.95 100.97 15.26 7.02 1.27 186.75 4.89 9.34 7.15 Foreign Currency 0.01 0.02 0.28 0.01 b. Bank Balance 93.47 141.12 34.41 792.24 245.13 230.80 120.79 168.04 1142.13 220.03 26.22 217.15 1. In Nepal Rastra Bank 89.00 6.14 17.44 62.91 157.03 36.47 26.22 10.56 684.01 29.46 0.74 16.58 Domestic Currency 89.00 6.14 17.44 62.91 157.03 36.47 26.22 10.56 683.99 29.46 0.74 16.58 Foreign Currency 0.02 2. "A"Class Licensed Institution 4.21 94.79 9.74 313.10 88.10 104.57 16.31 31.60 338.04 118.76 3.19 127.84 Domestic Currency 4.21 94.79 9.74 313.10 88.10 104.57 16.31 31.60 337.96 118.76 3.19 127.84 Foreign Currency 0.07 3. Other Financial Ins. 0.26 40.19 7.23 416.23 89.76 78.25 125.89 120.09 71.82 22.29 72.74 4. In Foreign Banks c. Money at Call 466.66 50.00 855.56 Domestic Currency 466.66 50.00 760.89 Foreign Currency 94.67 2 INVESTMENT IN SECURITIES 0.55 36.58 59.60 49.87 32.50 12.22 20.00 91.99 8.00 12.47 a. Govt.Securities 0.55 36.58 59.60 49.87 32.50 12.22 20.00 91.99 8.00 12.47 b. NRB Bond c. Govt.Non‐Fin. Ins. d. Other Non‐Fin Ins. e Non Residents 3 SHARE & OTHER INVESTMENT 0.55 22.05 106.10 81.03 10.50 36.91 38.80 20.00 4.88 a. Non Residents b. Others 0.55 22.05 106.10 81.03 10.50 36.91 38.80 20.00 4.88 4 LOANS & ADVANCES 1861.62 249.35 1136.07 2403.32 3702.28 1027.35 651.46 440.92 3951.37 643.85 1159.02 442.60 a. Private Sector 1861.62 249.35 1131.07 2403.32 3672.28 1022.09 644.08 440.92 3951.37 631.66 1159.02 435.30 b. Financial Institutions 5.00 30.00 5.27 7.38 12.19 6.00 c. Government Organizations 1.30 5 BILL PURCHASED 0.06 2.60 a. Domestic Bills Purchased 0.06 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 35.64 3.46 190.39 81.94 448.36 22.17 5.61 2.53 307.05 27.52 30.92 9.49 8 OTHER ASSETS 56.29 21.47 106.49 161.93 204.24 34.06 41.58 31.97 765.03 43.02 93.61 8.12 a. Accrued Interest: 38.48 7.97 45.46 72.99 50.52 30.70 18.50 18.43 81.59 31.28 62.33 4.64 b. Staff Loans / Adv. 0.04 2.78 0.27 0.03 0.07 6.40 31.28 0.39 c. Sundry Debtors 0.10 d. Cash In Transit 38.48 7.97 45.42 70.21 50.25 30.66 18.44 18.43 75.18 62.33 4.16 e. Others 0.66 14.39 21.47 12.08 0.60 3.68 0.83 6.95 5.65 4.67 0.41 9 Expenses not Written off 1.07 2.46 4.45 1.90 0.53 7.82 1.09 8.04 0.07 18.25 1.27 10 Non Banking Assets 11 Reconcillation Account 16.74 10.38 46.64 63.02 139.75 2.24 11.57 11.62 668.45 6.02 8.37 1.79 12 Profit & Loss A/c 86.81 10.67 2.41 1.13 13.48 2.48 20.71 TOTAL ASSETS 2561.40 419.02 1621.10 3740.19 5611.47 1636.62 842.48 676.47 6531.75 1033.31 1845.20 702.26

26 n Api

Liabilities Seti Lord Kaski hama Valley Zenith Unique Swastik reliable Buddha Namaste Suryadarsha 1 CAPITAL FUND 153.01 52.07 174.65 257.28 210.33 119.36 150.97 20.34 257.38 119.58 216.58 135.13 a. Paid‐up Capital 128.00 40.00 200.00 221.30 168.25 114.00 120.00 14.20 240.74 100.00 205.31 100.00 b. Calls in Advance c. General Reserves 5.10 1.39 0.85 26.04 4.75 5.29 1.56 13.96 2.41 10.59 7.33 d. Share Premium 0.03 6.45 0.33 e. Retained Earning 19.92 10.68 ‐26.20 9.94 0.42 19.23 4.58 2.35 17.17 0.33 27.80 f. Others Reserves Fund 42.05 0.19 0.34 g. Exchange Fluctuation Fund 2 BORROWINGS 133.68 9.80 28.70 a. NRB b. "A"Class Licensed Institution 133.68 9.80 28.70 c. Foreign Banks and Fin. Ins. d. Other Financial Ins. e. Bonds and Securities 3 DEPOSITS 799.12 109.96 302.22 1654.60 448.74 282.87 633.77 71.48 1042.08 490.24 799.03 385.37 a. Current Domestic Foreign b. Savings 177.37 78.45 94.43 1089.37 269.96 127.62 440.60 61.03 563.53 243.39 359.47 75.55 Domestic 177.37 78.45 94.43 1089.37 269.96 127.62 440.60 61.03 563.53 243.39 359.47 75.55 Foreign c. Fixed 422.62 31.51 148.33 565.23 178.79 155.17 193.18 10.42 478.55 246.66 248.23 213.50 Domestic 422.62 31.51 148.33 565.23 178.79 155.17 193.18 10.42 478.55 246.66 248.23 213.50 Foreign d. Call Deposits e. Others 199.13 59.47 0.08 0.03 0.19 191.32 96.32 4 Bills Payable 5 Other Liabilities 77.88 15.64 201.00 133.79 24.26 20.72 36.91 3.31 67.29 43.35 54.83 30.85 1. Sundry Creditors 3.60 0.92 0.11 5.56 0.41 0.26 0.07 2.53 1.26 0.58 9.33 2. Loan Loss Provision 17.83 4.39 138.02 32.87 7.75 3.30 11.43 1.54 17.15 6.29 8.88 5.53 3. Interest Suspense a/c 29.95 2.73 47.24 36.40 9.88 5.17 8.49 0.32 19.34 8.44 12.24 3.06 4. Others 26.49 7.61 15.64 64.52 1.08 11.83 16.73 1.39 28.27 27.36 33.13 12.93 6 Reconcillation A/c 0.58 0.31 7 Profit & Loss A/c 2.05 1.37 4.80 0.10 0.91 1.24 0.56 1.34 3.52 TOTAL LIABILITIES 1030.59 179.72 677.88 2181.03 688.13 423.05 822.57 96.37 1367.31 662.97 1071.78 583.57 Assets 1 LIQUID FUNDS 142.46 21.70 68.84 606.33 191.75 129.06 233.12 24.87 301.95 137.98 296.63 88.72 a. Cash Balance 9.39 3.53 0.59 30.61 1.83 2.95 13.79 1.34 13.74 3.47 25.10 1.66 Nepalese Notes & Coins 9.39 3.51 0.59 30.61 1.83 2.95 13.79 1.31 13.74 3.47 25.10 1.66 Foreign Currency 0.02 0.03 b. Bank Balance 133.07 18.17 6.38 72.27 189.92 126.11 14.07 1.97 288.21 134.52 271.52 87.05 1. In Nepal Rastra Bank 21.10 0.16 5.35 71.57 17.76 10.67 13.47 31.35 9.68 19.30 10.44 Domestic Currency 21.10 0.16 5.35 71.57 17.76 10.67 13.47 31.35 9.68 19.30 10.44 Foreign Currency 2. "A"Class Licensed Institution 64.33 11.54 0.82 0.70 105.40 96.93 0.31 1.96 76.96 21.30 109.74 23.50 Domestic Currency 64.33 11.54 0.82 0.70 105.40 96.93 0.31 1.96 76.96 21.30 109.74 23.50 Foreign Currency 3. Other Financial Ins. 47.65 6.47 0.21 66.75 18.51 0.29 0.01 179.90 103.53 142.48 53.11 4. In Foreign Banks c. Money at Call 61.87 503.46 205.27 21.56 Domestic Currency 61.87 503.46 205.27 21.56 Foreign Currency 2 INVESTMENT IN SECURITIES 24.87 1.50 17.05 91.63 16.00 4.00 29.83 13.17 15.00 17.00 a. Govt.Securities 24.87 1.50 17.05 91.63 16.00 4.00 29.83 13.17 15.00 17.00 b. NRB Bond c. Govt.Non‐Fin. Ins. d. Other Non‐Fin Ins. e Non Residents 3 SHARE & OTHER INVESTMENT 0.10 5.10 0.10 1.00 42.81 0.40 10.00 5.10 40.00 3.21 2.10 a. Non Residents b. Others 0.10 5.10 0.10 1.00 42.81 0.40 10.00 5.10 40.00 3.21 2.10 4 LOANS & ADVANCES 797.10 143.97 464.23 1292.51 413.84 273.49 536.25 64.87 996.60 438.39 708.62 465.76 a. Private Sector 797.10 143.97 464.23 1264.51 404.08 273.49 536.25 64.87 996.60 428.77 708.62 465.76 b. Financial Institutions 28.00 9.50 7.88 c. Government Organizations 0.26 1.74 5 BILL PURCHASED 2.88 a. Domestic Bills Purchased 2.88 b. Foreign Bills Purchased c. Import Bills & Imports 6 LOANS AGAINST COLLECTED BILLS a. Against Domestic Bills b. Against Foreign Bills 7 FIXED ASSETS 22.15 1.41 7.98 132.49 3.92 5.66 12.81 0.42 13.97 9.18 7.89 2.90 8 OTHER ASSETS 41.91 4.81 94.53 55.60 19.82 9.45 28.93 1.11 24.82 19.02 37.53 7.09 a. Accrued Interest: 29.95 2.72 47.24 40.15 9.87 5.17 8.49 0.32 19.34 8.46 12.24 3.06 b. Staff Loans / Adv. 2.81 0.08 c. Sundry Debtors 0.94 0.02 0.02 d. Cash In Transit 29.95 2.72 47.24 36.40 9.85 5.17 8.49 0.32 19.34 8.36 12.24 3.06 e. Others 1.01 0.00 0.48 1.58 0.17 2.22 11.98 0.09 2.60 0.72 19.15 0.08 9 Expenses not Written off 3.07 0.71 0.19 7.49 0.30 0.81 3.14 0.54 0.15 1.41 0.91 1.22 10 Non Banking Assets 11 Reconcillation Account 7.88 1.38 46.62 6.38 9.48 1.25 5.33 0.16 2.74 8.43 5.23 2.73 12 Profit & Loss A/c 1.73 25.15 5.24 TOTAL ASSETS 1030.59 179.72 677.88 2181.03 688.13 423.04 822.56 96.37 1367.31 662.97 1071.78 583.57

27 Liabilities Jebils Lotus Baibhav Reliance Bhaktapur Subhalaxmi Manjushree 1 CAPITAL FUND 179.26 222.97 106.46 167.80 127.07 149.34 128.90 a. Paid‐up Capital 140.00 200.00 102.00 140.00 120.00 147.00 125.00 b. Calls in Advance c. General Reserves 7.85 8.17 1.01 3.87 1.41 d. Share Premium e. Retained Earning 31.41 14.69 3.46 23.93 5.65 2.34 3.90 f. Others Reserves Fund 0.11 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 547.81 463.71 282.07 813.49 238.13 111.43 105.28 a. Current Domestic Foreign b. Savings 54.85 95.42 68.32 116.70 67.27 40.51 50.61 Domestic 54.85 95.42 68.32 116.70 67.27 40.51 50.61 Foreign c. Fixed 216.43 333.08 132.91 316.02 105.42 20.01 13.59 Domestic 216.43 333.08 132.91 316.02 105.42 20.01 13.59 Foreign d. Call Deposits 41.08 e. Others 276.53 35.21 80.84 380.78 65.45 50.91 4 Bills Payable 5 Other Liabilities 44.86 31.27 19.66 50.43 17.23 4.25 4.79 1. Sundry Creditors 0.74 1.60 0.81 3.28 0.14 0.18 0.00 2. Loan Loss Provision 10.34 8.10 6.48 16.33 3.04 2.62 0.57 3. Interest Suspense a/c 16.47 8.43 6.81 13.73 5.55 4. Others 17.31 13.14 5.56 17.10 8.50 1.45 4.22 6 Reconcillation A/c 7 Profit & Loss A/c 4.17 3.37 3.19 1.50 TOTAL LIABILITIES 771.93 717.95 408.19 1035.89 385.80 268.23 240.47 Assets 1 LIQUID FUNDS 79.57 187.67 73.75 340.35 98.91 141.08 157.51 a. Cash Balance 13.59 3.34 4.51 16.71 2.13 4.03 2.80 Nepalese Notes & Coins 13.59 3.34 4.51 16.71 2.13 4.03 2.80 Foreign Currency b. Bank Balance 65.98 184.33 69.25 323.64 96.78 137.05 154.71 1. In Nepal Rastra Bank 19.71 11.28 8.96 40.83 14.48 2.56 7.68 Domestic Currency 19.71 11.28 8.96 40.83 14.48 2.56 7.68 Foreign Currency 2. "A"Class Licensed Institution 45.79 18.74 16.49 74.97 4.20 112.91 113.76 Domestic Currency 45.79 18.74 16.49 74.97 4.20 112.91 113.76 Foreign Currency 3. Other Financial Ins. 0.48 154.31 43.80 207.84 78.10 21.58 33.27 4. In Foreign Banks c. Money at Call Domestic Currency Foreign Currency 2 INVESTMENT IN SECURITIES 13.82 8.00 4.00 6.00 1.00 a. Govt.Securities 13.82 8.00 4.00 6.00 1.00 b. NRB Bond c. Govt.Non‐Fin. Ins. d. Other Non‐Fin Ins. e Non Residents 3 SHARE & OTHER INVESTMENT 0.02 6.00 a. Non Residents b. Others 0.02 6.00 4 LOANS & ADVANCES 636.81 480.49 294.86 635.40 269.17 116.22 72.38 a. Private Sector 624.94 469.99 290.86 629.70 264.24 72.38 b. Financial Institutions 11.87 10.50 4.00 5.70 4.93 116.22 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 20.88 14.86 9.99 10.23 5.41 8.86 6.58 8 OTHER ASSETS 30.53 20.78 17.65 38.14 6.30 1.07 2.33 a. Accrued Interest: 16.47 8.43 7.08 6.50 5.55 0.21 b. Staff Loans / Adv. 0.31 0.07 0.31 6.50 0.04 0.21 c. Sundry Debtors d. Cash In Transit 16.16 8.36 6.77 5.51 e. Others 10.80 7.64 5.33 0.69 9 Expenses not Written off 1.15 0.72 2.33 0.01 0.69 0.24 10 Non Banking Assets 11 Reconcillation Account 2.10 4.71 4.52 28.61 0.74 0.38 1.88 12 Profit & Loss A/c 4.14 0.33 2.33 TOTAL ASSETS 771.93 717.95 408.20 1035.89 385.80 268.23 240.47

28 Statement of Assets and Liabilities of Micro Credit Development Banks

Liabilities n RMDC MGBB SPGBB PAGBB PUGBB MPGBB MPGBB NERUDE DIPROSC NIRDHAN NIRDHAN CHHIMEK Sanakisan Swabalamba 1 CAPITAL FUND 59.91 122.44 60.07 270.47 885.27 158.52 207.47 225.87 399.64 74.86 a. Paid‐up Capital 58.50 66.00 73.57 192.46 320.00 106.14 126.02 115.94 128.79 40.00 b. Calls in Advance c. General Reserves 1.41 13.32 5.04 31.70 75.13 25.77 39.70 36.48 14.91 12.48 d. Share Premium 0.51 3.04 1.38 e. Retained Earning 41.66 ‐21.95 2.46 179.12 21.23 39.81 21.61 39.99 2.91 f. Others Reserves Fund 1.46 3.42 43.33 311.02 2.34 0.56 51.84 215.95 19.47 g. Exchange Fluctuation Fund 0.00 2 BORROWINGS 194.17 816.47 595.71 1727.96 2292.59 897.80 1189.24 1006.43 2190.95 468.81 a. NRB 16.45 7.60 10.04 4.13 12.98 14.31 20.84 249.70 b. "A"Class Licensed Institution 177.73 808.87 579.59 1723.83 426.50 710.29 809.49 1006.43 1029.78 c. Foreign Banks and Fin. Ins. 1679.95 d. Other Financial Ins. 6.08 186.13 174.53 365.43 1140.33 219.11 e. Bonds and Securities 3 DEPOSITS 50.50 286.62 221.43 701.45 258.35 1137.83 822.89 255.26 a. Current 286.62 53.49 Domestic 286.62 Foreign 53.49 b. Savings 50.50 205.09 699.36 119.88 1137.12 822.89 255.26 Domestic 50.50 205.09 699.36 119.88 1137.12 822.89 255.26 Foreign c. Fixed 16.34 2.10 0.70 Domestic 16.34 2.10 0.70 Foreign d. Call Deposits e. Others 84.98 4 Bills Payable 5 Other Liabilities 178.62 239.48 73.09 246.65 234.94 92.39 162.92 299.50 243.14 43.52 1. Sundry Creditors 1.39 15.22 7.71 8.74 0.79 60.64 14.49 63.37 46.86 0.42 2. Loan Loss Provision 22.33 89.11 23.78 55.24 86.73 18.35 20.05 46.71 47.17 8.91 3. Interest Suspense a/c 100.89 52.21 16.09 15.91 15.67 4.70 10.40 0.54 1.73 4. Others 54.01 82.94 25.53 166.75 131.76 8.69 128.37 179.01 148.57 32.45 6 Reconcillation A/c 118.79 31.13 2.92 1588.57 229.66 16.27 337.69 7 Profit & Loss A/c 4.73 21.05 44.92 37.76 34.28 19.09 23.30 12.55 TOTAL LIABILITIES 601.98 1496.14 957.95 2967.58 3457.71 1444.82 4320.30 2603.43 2873.30 1192.68 Assets 1 LIQUID FUNDS 5.53 266.93 159.39 521.31 262.59 289.05 651.74 222.55 554.26 197.11 a. Cash Balance 1.86 4.04 3.81 3.85 0.02 1.13 1.05 4.29 0.73 2.46 Nepalese Notes & Coins 1.86 4.04 3.81 3.85 0.02 1.13 1.05 4.29 0.73 2.46 Foreign Currency b. Bank Balance 3.67 262.89 49.41 43.02 262.57 148.17 650.69 102.93 553.53 194.65 1. In Nepal Rastra Bank 0.57 0.54 5.07 14.36 13.34 9.00 12.00 4.30 Domestic Currency 0.57 0.54 5.07 14.36 13.34 9.00 12.00 4.30 Foreign Currency 2. "A"Class Licensed Institution 262.35 11.01 28.67 205.29 136.40 552.21 55.08 530.46 122.18 Domestic Currency 262.35 11.01 28.67 205.28 136.40 552.21 55.08 530.46 122.18 Foreign Currency 0.00 3. Other Financial Ins. 3.10 33.33 43.95 11.76 98.48 38.84 11.07 68.17 4. In Foreign Banks c. Money at Call 106.18 474.44 139.76 115.34 Domestic Currency 106.18 474.44 139.76 115.34 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 28.30 96.93 11.15 78.90 917.81 5.00 13.84 217.61 136.53 50.00 a. Non Residents b. Others 28.30 96.93 11.15 78.90 917.81 5.00 13.84 217.61 136.53 50.00 4 LOANS & ADVANCES 156.34 909.82 686.27 2099.74 2162.03 1081.21 1861.28 1918.42 2128.19 586.66 a. Private Sector 156.34 909.82 686.27 2099.74 1918.42 586.66 b. Financial Institutions 2162.03 1081.21 1861.28 2128.19 c. Government Organizations 5 BILL PURCHASED a. Domestic Bills Purchased b. Foreign Bills Purchased c. Import Bills & Imports 6 LOANS AGAINST COLLECTED BILLS a. Against Domestic Bills b. Against Foreign Bills 7 FIXED ASSETS 1.89 6.34 13.58 91.89 2.57 12.12 74.65 18.07 10.61 9.33 8 OTHER ASSETS 141.91 183.90 86.51 135.36 100.21 50.75 130.22 226.78 43.71 11.76 a. Accrued Interest: 101.75 16.09 20.90 24.61 4.70 5.48 11.87 0.54 1.73 b. Staff Loans / Adv. 4.99 24.30 5.48 2.77 0.54 c. Sundry Debtors 0.31 d. Cash In Transit 101.75 16.09 15.91 4.70 9.11 1.73 e. Others 38.28 62.49 53.07 89.10 4.16 45.34 104.75 52.33 1.38 6.08 9 Expenses not Written off 0.30 33.85 6.22 11.50 0.14 16.77 133.10 17.60 0.93 10 Non Banking Assets 1.14 16.66 2.71 0.00 17.07 0.50 11 Reconcillation Account 0.45 70.91 8.42 13.87 71.30 0.70 3.22 29.49 7.12 2.51 12 Profit & Loss A/c 7.96 32.22 TOTAL ASSETS 601.98 1496.14 957.95 2967.58 3457.71 1444.82 4320.30 2603.43 2873.30 1192.68

29 Liabilities First Kalika Mithila Nagbeli Nagbeli Summit Summit Mirmire Sworojgar Janautthan Naya Nepal Nepal Naya 1 CAPITAL FUND 13.31 20.85 11.84 81.10 11.72 14.00 11.00 a. Paid‐up Capital 14.00 17.50 10.99 70.00 12.00 14.00 11.00 b. Calls in Advance c. General Reserves ‐0.69 0.80 2.22 ‐0.28 d. Share Premium e. Retained Earning 2.42 0.85 8.88 f. Others Reserves Fund 0.14 g. Exchange Fluctuation Fund 2 BORROWINGS 79.51 67.48 94.79 541.15 18.36 22.83 4.60 a. NRB b. "A"Class Licensed Institution 6.50 24.69 24.05 135.85 1.00 1.90 c. Foreign Banks and Fin. Ins. d. Other Financial Ins. 73.01 42.79 70.73 405.30 18.36 21.83 2.70 e. Bonds and Securities 3 DEPOSITS 17.59 28.63 25.24 10.76 0.88 3.52 a. Current Domestic Foreign b. Savings 17.59 28.63 10.76 0.88 3.52 Domestic 17.59 28.63 10.76 0.88 3.52 Foreign c. Fixed Domestic Foreign d. Call Deposits e. Others 25.24 4 Bills Payable 5 Other Liabilities 2.52 6.37 4.50 19.80 1.01 0.45 1.54 1. Sundry Creditors 0.32 0.11 0.02 0.01 0.22 2. Loan Loss Provision 1.56 0.31 1.16 3.86 0.38 1.33 3. Interest Suspense a/c 4. Others 0.64 5.95 3.31 15.92 0.63 0.22 0.22 6 Reconcillation A/c 0.01 80.84 3.30 7 Profit & Loss A/c 1.35 1.65 0.77 3.76 0.53 0.15 TOTAL LIABILITIES 114.28 205.81 137.13 645.81 42.37 41.61 20.66 Assets 1 LIQUID FUNDS 44.22 14.61 29.28 267.44 4.98 23.61 2.65 a. Cash Balance 0.00 0.97 0.06 1.57 0.00 0.00 Nepalese Notes & Coins 0.00 0.97 0.06 1.57 0.00 0.00 Foreign Currency b. Bank Balance 0.60 13.03 29.22 267.44 3.41 23.61 2.65 1. In Nepal Rastra Bank 0.05 0.75 Domestic Currency 0.05 0.75 Foreign Currency 2. "A"Class Licensed Institution 0.60 4.68 1.99 96.66 2.34 1.15 Domestic Currency 0.60 4.68 1.99 96.66 2.34 1.15 Foreign Currency 3. Other Financial Ins. 8.34 27.23 170.73 1.07 22.46 1.89 4. In Foreign Banks c. Money at Call 43.61 0.61 Domestic Currency 43.61 0.61 Foreign Currency 2 INVESTMENT IN SECURITIES a. Govt.Securities b. NRB Bond c. Govt.Non‐Fin. Ins. d. Other Non‐Fin Ins. e Non Residents 3 SHARE & OTHER INVESTMENT 7.50 0.09 a. Non Residents b. Others 7.50 0.09 4 LOANS & ADVANCES 61.08 107.10 102.76 363.39 35.28 12.85 15.28 a. Private Sector 61.08 107.10 102.76 35.28 12.85 15.28 b. Financial Institutions 363.39 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 1.14 1.70 2.37 6.37 1.40 0.75 0.99 8 OTHER ASSETS 0.22 1.42 2.73 8.62 0.07 1.06 0.19 a. Accrued Interest: 0.26 3.93 0.26 b. Staff Loans / Adv. 0.26 3.93 0.26 c. Sundry Debtors d. Cash In Transit e. Others 0.10 0.02 1.76 0.01 9 Expenses not Written off 0.10 0.07 0.35 0.14 10 Non Banking Assets 11 Reconcillation Account 0.02 1.40 0.64 4.68 0.07 0.45 0.05 12 Profit & Loss A/c 1.45 TOTAL ASSETS 114.28 205.81 137.13 645.81 42.37 41.61 20.66

30 Profit and Loss Account of Commercial Banks

Expenses NBL RBB HBL NBB NIBL NSBI NABIL SCBNL

1 Interest Expenses 442.00 1001.70 1121.82 1332.91 392.08 981.00 829.31 318.82 1.1 Deposit Liabilities 442.00 994.93 1107.58 1303.16 390.65 979.00 825.31 318.81 1.1.1 Saving A/c 243.00 455.00 238.57 227.48 82.93 308.00 90.02 156.10 1.1.2 Fixed A/c 194.00 515.78 594.82 719.08 205.45 671.00 678.80 99.08 1.1.2.1 Upto 3 Months Fixed A/ 0.05 89.22 14.04 0.04 152.00 169.43 1.1.2.2 3 to 6 Months fixed A/ 0.94 118.96 2.42 154.87 17.19 1.1.2.3 6 Months to 1 Year Fixed A/ 400.52 297.41 35.25 231.20 1.1.2.4 Above 1 Yea 194.00 114.27 89.22 705.04 167.74 519.00 123.29 81.89 1.1.3 Call Deposit 24.15 274.19 356.60 102.27 56.49 63.63 1.1.4 Certificate of Deposits 5.00 1.2 Others 6.77 14.24 29.74 1.43 2.00 4.00 0.01 2 Commission/Fee Expense 22.75 41.19 33.38 4.91 3 Employees Expenses 477.00 479.44 170.96 106.10 118.49 172.00 106.77 56.91 4 Office Operatiing Expenses 134.00 171.61 132.66 126.27 95.53 198.00 141.65 40.16 5 Exchange Fluctuation Loss 0.01 5.1 Due to Change in Exchange Rates 0.01 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 1.83 0.15 4.42 7. Provision for Risk ‐8.00 96.62 352.31 246.28 65.36 110.00 28.96 42.65 7.1 Loan loss Provision ‐8.00 96.62 352.31 246.28 65.36 110.00 28.96 37.73 7.1.1 General Loan loss Provision 39.18 9.84 4.74 110.00 9.75 7.1.2 Special Loan Loss Provision ‐8.00 57.44 342.47 241.54 65.36 28.96 27.98 7.1.3 Additional Loan Loss Provision 7.2. Provision for Non‐Banking Assets 4.92 7.3. Provision for Loss on Investment 7.4. Provision for Loss of Other Assets 8 Loan Written Off 2.00 4.97 19.65 9 Provision for Staff Bonus 44.00 55.37 37.00 57.25 2.08 10 Provision for Income Tax 130.00 166.10 112.16 171.76 6.23 11 Others 0.36 12 Net Profit 310.00 231.97 387.56 257.89 400.78 338.00 14.53 34.52 TOTAL EXPENSES 1531.00 2011.26 2427.97 2251.97 1320.90 1799.00 1129.68 502.40

Income 1. Interest Income 1358.00 1742.42 2089.90 1991.14 989.12 1491.00 977.62 380.78 1.1. On Loans and Advance 1241.00 1434.20 1769.45 1873.31 685.83 1300.00 720.69 322.15 1.2. On Investment 110.00 279.19 236.98 100.82 251.40 180.00 139.30 53.07 1.2.1 Government Bonds 110.00 273.65 232.97 100.82 251.17 180.00 112.39 46.36 1.2.2 Foreign Bonds 4.01 1.2.3 NRB Bonds 26.91 6.71 1.2.4 Deventure & Bonds 5.54 0.22 1.3 Agency Balance 26.05 0.01 15.74 0.25 102.32 0.01 1.4 On Call Deposit 2.31 65.43 1.28 2.96 11.00 0.65 1.72 1.5 Others 7.00 0.67 18.03 48.70 14.66 3.83 2. Comission & Discount 28.00 68.20 214.59 58.23 20.26 247.00 113.93 52.65 2.1 Bills Purchase & Discount 0.27 1.15 3.88 2.78 31.00 0.04 2.83 2.2 Comission 28.00 61.47 212.72 54.79 38.89 173.00 86.30 48.10 2.3 Others 6.46 0.72 ‐0.44 ‐21.41 43.00 27.59 1.72 3 Income From Exchange Fluctuation 25.00 41.29 116.74 97.93 223.14 61.00 33.41 22.05 3.1 Due to Change in Exchange Rate 16.00 35.94 69.18 33.42 90.45 18.00 5.93 3.35 3.2 Due to Foreign Currency Trans 9.00 5.35 47.57 64.51 132.70 43.00 27.49 18.70 4 Other Operating Income 40.49 104.25 12.89 12.57 5 Non Operating Income 6.95 5.72 0.42 0.10 0.64 6 Provision Written Back 64.00 83.07 0.04 62.55 4.62 29.70 7 Recovery from Written off Loan 6.00 5.52 0.98 12.93 4.00 8 Income from Extra Ordinary Expenses 50.00 23.32 9 Net Loss TOTAL INCOME 1531.00 2011.26 2427.97 2251.97 1320.90 1799.00 1129.68 502.40

31 Expenses EBL NIC BOK NCC MBL Laxmi Kumari Lumbini

1 Interest Expenses 977.81 509.30 328.90 557.30 213.84 509.03 525.89 558.07 1.1 Deposit Liabilities 970.95 496.03 325.69 547.93 213.79 497.97 503.76 548.00 1.1.1 Saving A/c 187.69 100.05 125.41 70.12 41.87 135.88 116.40 115.31 1.1.2 Fixed A/c 557.03 288.28 127.35 361.68 152.33 233.26 268.53 337.30 1.1.2.1 Upto 3 Months Fixed A/ 72.35 14.32 0.70 0.64 1.1.2.2 3 to 6 Months fixed A/ 189.59 8.79 1.29 3.95 1.1.2.3 6 Months to 1 Year Fixed A/ 229.32 288.28 7.64 137.27 152.33 129.99 165.38 1.1.2.4 Above 1 Yea 65.77 119.71 201.31 101.28 268.53 167.33 1.1.3 Call Deposit 226.23 107.69 72.94 116.13 19.59 128.83 118.83 95.39 1.1.4 Certificate of Deposits 1.2 Others 6.86 13.28 3.21 9.37 0.06 11.05 22.13 10.07 2 Commission/Fee Expense 3 Employees Expenses 117.16 77.98 41.50 49.85 22.95 57.35 65.64 54.06 4 Office Operatiing Expenses 90.25 98.56 41.45 65.00 29.77 93.01 62.50 53.04 5 Exchange Fluctuation Loss 6.76 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6.76 6 Non‐Operatiing Expenses 2.33 0.52 0.00 7. Provision for Risk 19.40 15.26 16.29 43.74 64.78 52.65 9.90 7.1 Loan loss Provision 19.40 15.26 16.29 43.74 64.78 52.65 9.90 7.1.1 General Loan loss Provision 19.40 15.26 4.02 7.1.2 Special Loan Loss Provision 16.29 43.74 64.78 5.87 7.1.3 Additional Loan Loss Provision 52.65 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 58.14 9 Provision for Staff Bonus 51.05 27.86 21.60 3.05 1.99 2.63 18.04 10 Provision for Income Tax 153.16 83.59 64.79 7.53 5.39 7.88 54.13 11 Others 12 Net Profit 357.37 195.05 0.00 151.18 ‐23.90 12.57 18.40 126.31 TOTAL EXPENSES 1768.53 1007.61 428.13 910.24 296.99 802.26 742.34 873.55

Income 1. Interest Income 1604.53 881.06 352.13 839.69 276.42 650.46 674.90 777.37 1.1. On Loans and Advance 1425.70 769.40 301.07 724.01 246.08 621.79 591.20 736.81 1.2. On Investment 178.22 109.99 48.75 106.77 29.33 25.60 6.30 40.56 1.2.1 Government Bonds 116.51 109.55 42.06 68.97 29.33 24.31 6.30 39.26 1.2.2 Foreign Bonds 5.54 3.60 1.2.3 NRB Bonds 56.17 4.11 34.20 1.2.4 Deventure & Bonds 0.44 2.58 1.29 1.30 1.3 Agency Balance 0.00 0.51 1.4 On Call Deposit 0.61 0.21 8.31 3.08 1.5 Others 1.46 2.31 0.61 0.51 77.40 2. Comission & Discount 70.81 71.50 14.85 23.98 6.55 13.95 46.43 69.88 2.1 Bills Purchase & Discount 0.26 13.64 0.71 0.22 0.01 0.17 0.76 3.02 2.2 Comission 70.55 57.86 14.14 12.90 6.55 13.26 45.68 64.82 2.3 Others 10.86 0.52 2.04 3 Income From Exchange Fluctuation 54.05 53.40 10.09 28.51 6.10 23.39 20.95 23.30 3.1 Due to Change in Exchange Rate 2.35 5.45 1.54 2.93 4.24 20.95 6.88 3.2 Due to Foreign Currency Trans 51.70 53.40 4.64 26.97 3.17 19.15 16.42 4 Other Operating Income 37.42 0.49 17.51 18.06 4.97 14.61 5 Non Operating Income 1.72 1.16 1.99 0.06 6 Provision Written Back 2.02 41.72 3.00 7 Recovery from Written off Loan 2.94 58.14 8 Income from Extra Ordinary Expenses 9 Net Loss 29.53 TOTAL INCOME 1768.53 1007.61 428.13 910.24 296.99 802.26 742.34 873.55

32 Expenses SBL BOA DCBL Prime Global ADBNL Sunrise Citizens

1 Interest Expenses 538.21 626.15 495.91 485.42 679.65 453.22 429.37 337.73 1.1 Deposit Liabilities 537.09 625.84 495.91 475.28 674.92 453.22 428.94 331.25 1.1.1 Saving A/c 61.05 199.21 216.26 74.85 46.31 55.95 126.70 167.33 1.1.2 Fixed A/c 334.27 420.66 163.08 289.19 326.86 293.15 211.48 44.69 1.1.2.1 Upto 3 Months Fixed A/ 2.46 1.25 28.60 6.27 1.1.2.2 3 to 6 Months fixed A/ 14.32 1.75 15.81 11.56 23.19 1.1.2.3 6 Months to 1 Year Fixed A/ 121.39 40.89 202.95 290.73 175.66 39.25 1.1.2.4 Above 1 Yea 196.10 376.77 163.08 41.84 24.57 293.15 6.36 5.44 1.1.3 Call Deposit 141.78 5.59 116.58 111.24 301.75 104.11 90.77 117.53 1.1.4 Certificate of Deposits 0.38 1.70 1.2 Others 1.12 0.31 10.14 4.73 0.42 6.48 2 Commission/Fee Expense 4.06 0.28 0.71 3 Employees Expenses 37.21 521.24 47.69 36.06 29.87 46.80 63.01 30.73 4 Office Operatiing Expenses 63.94 70.77 114.82 62.65 51.71 54.36 80.50 29.97 5 Exchange Fluctuation Loss 1.42 2.49 5.1 Due to Change in Exchange Rates 2.49 5.2 Due to Foreign Currency Transactions 1.42 6 Non‐Operatiing Expenses 2.10 7. Provision for Risk 400.44 1.41 27.53 118.63 36.94 7.1 Loan loss Provision 394.24 1.41 26.36 118.63 36.94 7.1.1 General Loan loss Provision 77.64 ‐69.58 7.05 4.32 7.1.2 Special Loan Loss Provision 316.60 70.99 19.32 118.63 32.62 7.1.3 Additional Loan Loss Provision 7.2. Provision for Non‐Banking Assets 1.17 7.3. Provision for Loss on Investment 5.25 7.4. Provision for Loss of Other Assets 0.95 8 Loan Written Off 9.34 9 Provision for Staff Bonus 3.14 28.54 10.97 7.91 10 Provision for Income Tax 9.41 71.36 32.91 23.72 11 Others 2.72 12 Net Profit 21.96 523.84 76.78 ‐21.78 3.10 TOTAL EXPENSES 673.87 2257.92 783.15 564.05 788.76 673.01 613.64 432.55

Income 1. Interest Income 610.35 1675.97 706.97 505.62 667.51 535.36 569.39 361.31 1.1. On Loans and Advance 559.82 1582.45 644.79 459.71 626.61 471.31 543.19 320.63 1.2. On Investment 35.47 71.12 60.85 27.10 56.78 19.59 37.90 1.2.1 Government Bonds 71.12 60.72 27.10 56.78 37.90 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 35.47 19.59 1.2.4 Deventure & Bonds 0.13 1.3 Agency Balance 0.08 6.61 1.4 On Call Deposit 14.99 0.82 18.81 1.5 Others 22.40 0.52 40.90 7.27 2.78 2. Comission & Discount 37.81 26.93 43.49 24.04 13.97 29.67 13.32 15.99 2.1 Bills Purchase & Discount 0.24 4.16 0.29 0.07 0.31 1.11 2.2 Comission 20.19 26.93 41.49 12.01 13.67 8.60 7.99 5.41 2.3 Others 17.63 1.76 7.87 21.00 5.02 9.48 3 Income From Exchange Fluctuation 25.70 14.74 18.24 28.81 7.86 ‐27.21 12.06 0.79 3.1 Due to Change in Exchange Rate 7.22 14.74 5.51 12.27 3.39 ‐33.73 2.20 3.2 Due to Foreign Currency Trans 18.47 12.73 16.54 4.46 6.52 9.86 0.79 4 Other Operating Income 103.10 14.45 4.58 29.40 15.18 5 Non Operating Income 2.86 1.00 6 Provision Written Back 303.82 0.59 2.82 3.68 20.93 7 Recovery from Written off Loan 60.97 8 Income from Extra Ordinary Expenses 69.53 9 Net Loss 69.43 132.37 33.52 TOTAL INCOME 673.87 2257.92 783.15 564.05 788.76 673.01 613.64 432.55

33 Expenses Kist Civil NMB Mega Janata CTBNL Century

1 Interest Expenses 423.01 509.77 137.69 225.88 116.70 134.47 62.23 1.1 Deposit Liabilities 419.63 506.24 136.88 223.52 116.20 131.23 62.02 1.1.1 Saving A/c 51.13 186.72 11.07 70.21 13.89 9.09 15.81 1.1.2 Fixed A/c 274.17 228.50 72.77 113.43 46.04 59.18 28.71 1.1.2.1 Upto 3 Months Fixed A/ 5.95 0.71 8.28 35.40 5.36 1.1.2.2 3 to 6 Months fixed A/ 0.00 10.39 2.55 3.74 1.68 1.1.2.3 6 Months to 1 Year Fixed A/ 52.76 188.19 51.81 74.10 32.21 28.71 1.1.2.4 Above 1 Yea 215.45 29.21 10.13 0.19 46.04 19.93 1.1.3 Call Deposit 94.33 91.02 53.05 39.88 56.26 62.97 17.50 1.1.4 Certificate of Deposits 1.2 Others 3.38 3.53 0.81 2.37 0.51 3.23 0.21 2 Commission/Fee Expense 0.09 3 Employees Expenses 33.17 78.48 25.59 36.61 18.93 24.87 10.65 4 Office Operatiing Expenses 48.25 90.26 34.13 46.59 35.86 33.09 19.85 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 0.39 7. Provision for Risk 13.20 11.95 8.42 32.35 8.33 9.68 5.99 7.1 Loan loss Provision 10.34 11.95 8.42 32.35 8.33 9.68 5.99 7.1.1 General Loan loss Provision 0.36 ‐2.41 8.42 17.67 8.33 9.68 5.99 7.1.2 Special Loan Loss Provision 9.98 14.88 14.68 7.1.3 Additional Loan Loss Provision ‐0.52 7.2. Provision for Non‐Banking Assets 2.61 7.3. Provision for Loss on Investment 0.25 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus 2.88 1.68 10 Provision for Income Tax 8.64 5.03 11 Others 12 Net Profit 7.67 ‐110.43 22.01 11.74 TOTAL EXPENSES 525.30 580.03 239.36 359.88 179.83 202.59 98.72

Income 1. Interest Income 476.56 541.90 216.53 338.44 125.52 144.25 82.52 1.1. On Loans and Advance 426.04 477.36 199.88 304.85 105.51 136.35 60.25 1.2. On Investment 46.05 52.29 12.27 6.93 10.55 6.85 11.55 1.2.1 Government Bonds 45.53 52.29 12.27 6.93 0.92 6.85 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 9.63 11.55 1.2.4 Deventure & Bonds 0.52 1.3 Agency Balance 0.00 0.02 1.4 On Call Deposit 0.06 4.39 4.37 10.26 1.05 1.5 Others 4.41 7.86 0.00 16.38 9.46 10.72 2. Comission & Discount 7.99 31.54 16.16 3.86 11.52 18.48 7.50 2.1 Bills Purchase & Discount 0.36 0.78 0.06 0.26 2.2 Comission 7.38 9.02 15.42 3.80 0.86 11.69 0.53 2.3 Others 0.25 21.74 0.74 10.66 6.54 6.97 3 Income From Exchange Fluctuation 12.42 6.59 6.61 5.50 2.74 7.82 1.52 3.1 Due to Change in Exchange Rate 2.19 0.76 1.74 0.78 2.74 0.05 1.52 3.2 Due to Foreign Currency Trans 10.23 5.83 4.87 4.72 7.77 4 Other Operating Income 19.18 12.08 0.13 5 Non Operating Income 7.65 0.06 6 Provision Written Back 7 Recovery from Written off Loan 1.50 8 Income from Extra Ordinary Expenses 9 Net Loss 40.05 31.91 7.18 TOTAL INCOME 525.30 580.03 239.36 359.88 179.83 202.59 98.72

34 Profit and Loss Account of Development Banks

Expenses NIDC SDBL PDBL UDBL MDBL Malika Narayani Uddhyam 1 Interest Expenses 10.03 8.05 25.70 138.39 1.44 81.21 30.13 55.13 1.1 Deposit Liabilities 10.03 8.05 25.70 136.21 0.45 74.06 27.73 55.07 1.1.1 Saving A/c 1.48 1.40 21.06 53.64 0.13 8.69 16.35 27.74 1.1.2 Fixed A/c 7.98 3.64 3.51 58.00 0.32 34.28 11.39 19.86 1.1.2.1 Upto 3 Months Fixed A/ 0.06 3.45 1.02 0.50 1.1.2.2 3 to 6 Months fixed A/ 0.99 0.12 1.1.2.3 6 Months to 1 Year Fixed A/ 0.02 3.28 0.71 12.32 7.37 3.23 16.77 1.1.2.4 Above 1 Yea 7.90 0.36 2.80 41.24 0.32 26.90 7.14 2.49 1.1.3 Call Deposit 0.57 3.01 1.13 24.58 31.09 7.46 1.1.4 Certificate of Deposits 1.2 Others 2.18 0.99 7.16 2.39 0.06 2 Commission/Fee Expense 0.71 3 Employees Expenses 11.28 1.81 11.35 16.91 0.46 14.57 4.44 12.46 4 Office Operatiing Expenses 9.07 2.65 9.28 20.67 0.18 19.65 3.28 9.54 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 0.40 41.17 0.25 7. Provision for Risk 1.06 0.44 7.37 24.71 0.51 13.07 7.11 6.72 7.1 Loan loss Provision 1.06 0.44 7.37 23.31 0.51 13.07 7.11 6.72 7.1.1 General Loan loss Provision 1.06 2.28 0.24 0.12 0.08 7.1.2 Special Loan Loss Provision 0.44 5.09 22.87 0.51 13.07 6.99 6.65 7.1.3 Additional Loan Loss Provision 0.20 7.2. Provision for Non‐Banking Assets 7.3. Provision for Loss on Investment 1.40 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus 3.25 10 Provision for Income Tax 7.58 11 Others 12 Net Profit 32.99 4.72 TOTAL EXPENSES 75.27 12.94 58.80 201.39 2.59 169.67 45.21 83.84

Income 1. Interest Income 44.08 8.75 50.28 142.91 0.33 101.73 29.41 72.71 1.1. On Loans and Advance 26.17 6.48 38.56 126.90 0.33 89.37 21.78 58.38 1.2. On Investment 0.10 1.24 5.65 5.38 0.99 1.2.1 Government Bonds 0.10 1.24 5.65 5.38 0.54 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 0.45 1.2.4 Deventure & Bonds 1.3 Agency Balance 6.43 4.87 1.4 On Call Deposit 2.27 7.68 10.02 0.01 9.88 1.5 Others 17.81 2.80 0.34 0.55 2.77 3.47 2. Comission & Discount 0.24 3.17 2.29 0.01 1.84 0.36 1.30 2.1 Bills Purchase & Discount 2.2 Comission 0.05 3.17 2.29 1.84 0.36 1.30 2.3 Others 0.18 0.01 3 Income From Exchange Fluctuation 0.30 0.11 3.1 Due to Change in Exchange Rate 0.23 0.11 3.2 Due to Foreign Currency Trans 0.07 4 Other Operating Income 4.33 2.70 5.11 0.30 5.97 5 Non Operating Income 10.50 2.66 0.24 0.28 6 Provision Written Back 16.36 0.67 3.60 43.59 0.15 7 Recovery from Written off Loan 0.35 8 Income from Extra Ordinary Expenses 9 Net Loss 3.29 46.94 1.90 22.41 14.98 3.58 TOTAL INCOME 75.27 12.94 58.80 201.39 2.59 169.67 45.21 83.84

35 Expenses Triveni Karnali Bhrikuti Sahayogi Pashupati Suvekchha Annapurna Bageshwori 1 Interest Expenses 30.44 18.52 18.39 56.08 56.17 69.05 34.75 30.21 1.1 Deposit Liabilities 30.44 17.50 18.39 56.02 42.26 68.80 31.55 30.17 1.1.1 Saving A/c 22.73 4.28 12.09 31.29 14.77 32.28 10.02 23.49 1.1.2 Fixed A/c 6.90 9.43 6.30 14.61 15.95 18.32 14.35 3.46 1.1.2.1 Upto 3 Months Fixed A/ 0.05 0.05 1.07 1.1.2.2 3 to 6 Months fixed A/ 0.62 1.59 0.08 0.02 1.1.2.3 6 Months to 1 Year Fixed A/ 1.70 7.72 5.05 13.67 2.77 0.28 1.1.2.4 Above 1 Yea 5.21 1.03 6.30 7.96 15.95 4.53 10.50 3.19 1.1.3 Call Deposit 0.81 3.79 10.12 11.54 18.20 7.19 3.21 1.1.4 Certificate of Deposits 1.2 Others 1.02 0.06 13.92 0.24 3.19 0.04 2 Commission/Fee Expense 0.02 3 Employees Expenses 3.71 6.79 5.87 6.02 10.15 9.68 4.56 7.25 4 Office Operatiing Expenses 5.32 9.01 4.99 10.53 9.29 6.89 5.29 3.68 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 2.43 2.08 0.44 5.82 9.61 10.20 6.46 7.1 Loan loss Provision 2.43 2.08 0.44 5.82 9.61 10.20 6.46 7.1.1 General Loan loss Provision 0.24 0.84 0.44 0.21 0.01 1.72 0.08 7.1.2 Special Loan Loss Provision 2.19 1.24 5.61 9.59 8.48 6.38 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 1.05 10 Provision for Income Tax 3.16 11 Others 1.22 12 Net Profit 5.60 1.48 7.38 3.39 TOTAL EXPENSES 47.49 36.42 29.69 79.93 86.45 107.41 51.06 44.53

Income 1. Interest Income 42.92 30.90 19.66 74.48 60.31 101.16 47.81 39.25 1.1. On Loans and Advance 34.65 25.01 16.82 68.59 47.52 83.45 42.18 36.12 1.2. On Investment 1.2.1 Government Bonds 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 1.2.4 Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 8.26 2.84 5.89 12.79 15.35 5.63 2.87 1.5 Others 5.89 2.36 0.25 2. Comission & Discount 1.85 0.14 3.73 5.45 18.03 0.57 0.35 5.28 2.1 Bills Purchase & Discount 0.00 0.07 2.2 Comission 1.85 0.14 0.63 0.53 0.85 0.57 0.35 1.53 2.3 Others 3.10 4.92 17.11 3.76 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans 4 Other Operating Income 2.70 3.81 5.67 1.93 5 Non Operating Income 6 Provision Written Back 0.03 3.94 0.02 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss 1.57 6.30 4.17 0.95 TOTAL INCOME 47.49 36.42 29.69 79.93 86.45 107.41 51.06 44.53

36 Expenses ar re Excel Sanima Gurkha Gandaki Business Biratlaxmi Gaurishank Infrastructu 1 Interest Expenses 237.43 38.75 121.68 56.13 55.86 56.41 59.13 39.34 1.1 Deposit Liabilities 232.52 38.75 119.36 48.99 55.86 56.38 59.13 39.34 1.1.1 Saving A/c 84.29 11.10 36.05 21.21 13.32 22.64 28.80 20.35 1.1.2 Fixed A/c 118.59 4.32 67.86 17.30 30.78 17.75 21.12 9.38 1.1.2.1 Upto 3 Months Fixed A/ 1.66 0.02 11.67 0.46 0.41 1.1.2.2 3 to 6 Months fixed A/ 3.19 0.05 0.48 1.81 0.66 0.55 0.52 1.1.2.3 6 Months to 1 Year Fixed A/ 94.00 1.74 45.16 9.73 15.15 10.52 8.42 3.83 1.1.2.4 Above 1 Yea 19.75 2.58 22.65 7.07 2.15 6.10 12.14 4.62 1.1.3 Call Deposit 29.64 23.32 15.46 10.48 11.76 15.99 9.22 9.60 1.1.4 Certificate of Deposits 1.2 Others 4.91 2.32 7.14 0.03 2 Commission/Fee Expense 0.01 3 Employees Expenses 25.88 4.98 15.65 6.55 7.49 4.37 10.81 4.94 4 Office Operatiing Expenses 26.40 4.66 21.89 6.00 10.75 4.79 5.28 4.22 5 Exchange Fluctuation Loss 4.73 5.1 Due to Change in Exchange Rates 4.73 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 8.39 11.91 7. Provision for Risk 13.88 3.39 282.48 1.82 0.92 3.15 0.40 1.50 7.1 Loan loss Provision 13.88 3.39 282.48 1.82 0.92 3.15 0.40 1.50 7.1.1 General Loan loss Provision 13.88 0.07 30.18 0.76 0.10 0.02 1.50 7.1.2 Special Loan Loss Provision 3.32 252.30 1.06 0.82 3.15 0.38 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 1.28 1.07 2.77 1.48 10 Provision for Income Tax 3.83 3.20 8.32 4.43 11 Others 12 Net Profit 8.93 5.99 10.31 9.90 19.41 10.17 10.33 TOTAL EXPENSES 330.74 57.76 441.71 80.81 89.18 99.22 97.70 66.24

Income 1. Interest Income 316.20 55.20 131.91 75.99 84.30 95.42 89.95 63.04 1.1. On Loans and Advance 262.49 30.63 128.47 59.47 71.20 80.01 73.30 46.72 1.2. On Investment 19.45 0.59 1.2.1 Government Bonds 19.45 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 1.2.4 Deventure & Bonds 0.59 1.3 Agency Balance 16.33 1.4 On Call Deposit 27.34 24.58 3.40 9.37 12.95 11.49 16.07 1.5 Others 6.93 0.04 7.15 0.16 3.93 2. Comission & Discount 3.00 2.56 0.12 0.32 0.69 0.03 7.72 0.71 2.1 Bills Purchase & Discount 2.2 Comission 3.00 0.49 0.12 0.32 0.69 0.03 0.18 2.3 Others 2.08 7.72 0.53 3 Income From Exchange Fluctuation 1.65 0.21 0.01 0.16 0.00 3.1 Due to Change in Exchange Rate 0.21 0.16 3.2 Due to Foreign Currency Trans 1.65 0.00 0.01 0.00 0.00 4 Other Operating Income 9.90 0.99 4.49 2.87 2.28 2.48 5 Non Operating Income 6 Provision Written Back 1.16 1.49 0.02 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss 308.47 TOTAL INCOME 330.74 57.76 441.71 80.81 89.18 99.22 97.70 66.24

37 Expenses NDEP Tinau H & B Rising WDBL Miteri CEDBL Araniko

1 Interest Expenses 15.12 231.43 11.32 138.75 149.13 19.92 31.45 25.13 1.1 Deposit Liabilities 15.12 230.27 11.32 133.26 127.38 17.60 31.02 25.00 1.1.1 Saving A/c 11.80 85.36 8.84 39.35 34.85 15.03 7.15 14.94 1.1.2 Fixed A/c 3.32 119.29 2.49 48.08 58.07 0.96 17.92 10.06 1.1.2.1 Upto 3 Months Fixed A/ 32.37 6.17 0.07 0.10 1.1.2.2 3 to 6 Months fixed A/ 0.58 8.42 5.33 0.03 0.01 0.12 1.1.2.3 6 Months to 1 Year Fixed A/ 0.65 49.51 38.61 0.23 8.78 7.62 1.1.2.4 Above 1 Yea 2.09 28.97 2.49 48.08 7.96 0.64 9.02 2.31 1.1.3 Call Deposit 25.63 45.83 34.46 1.61 5.95 1.1.4 Certificate of Deposits 1.2 Others 1.16 5.49 21.74 2.31 0.43 0.13 2 Commission/Fee Expense 1.21 3 Employees Expenses 2.15 25.88 2.85 13.59 18.98 2.91 3.12 5.15 4 Office Operatiing Expenses 1.42 23.79 1.47 23.49 18.22 2.61 4.50 5.37 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 6.61 7. Provision for Risk 18.77 9.64 8.04 18.20 0.62 3.16 7.1 Loan loss Provision 18.77 9.64 8.04 18.20 0.62 3.16 7.1.1 General Loan loss Provision 8.04 18.20 0.27 ‐0.39 7.1.2 Special Loan Loss Provision 18.77 9.64 0.35 3.55 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 0.09 10 Provision for Income Tax 0.28 11 Others 12 Net Profit 1.33 0.66 4.85 1.23 TOTAL EXPENSES 26.63 299.87 25.29 184.91 205.74 30.90 39.07 40.04

Income 1. Interest Income 20.22 256.42 16.34 178.23 189.06 27.67 33.41 37.69 1.1. On Loans and Advance 20.22 236.59 16.34 164.62 139.22 21.46 24.71 29.17 1.2. On Investment 1.40 2.20 7.26 1.2.1 Government Bonds 1.40 2.20 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 1.2.4 Deventure & Bonds 7.26 1.3 Agency Balance 9.93 1.4 On Call Deposit 14.36 0.68 31.07 3.90 8.27 5.46 1.5 Others 4.07 0.80 11.51 2.31 0.43 3.05 2. Comission & Discount 1.57 1.83 0.28 3.90 10.27 0.59 0.19 0.46 2.1 Bills Purchase & Discount 0.07 0.02 2.2 Comission 1.57 1.83 0.28 3.82 1.85 0.59 0.19 0.39 2.3 Others 8.40 0.07 3 Income From Exchange Fluctuation 0.01 0.35 ‐0.32 3.1 Due to Change in Exchange Rate 0.01 0.19 ‐1.91 3.2 Due to Foreign Currency Trans 0.16 1.59 4 Other Operating Income 4.84 7.80 7.12 2.43 2.64 2.26 1.89 5 Non Operating Income 0.24 6 Provision Written Back 3.26 0.51 2.28 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss 30.32 1.03 4.46 3.21 TOTAL INCOME 26.63 299.87 25.29 184.91 205.74 30.90 39.07 40.04

38 Expenses Ace Sewa Public Kankai Bhargav Mahakali Shangrila Muktinath 1 Interest Expenses 67.14 48.54 10.02 19.08 4.00 163.85 6.05 60.80 1.1 Deposit Liabilities 57.48 48.52 10.02 19.08 4.00 161.84 6.05 60.80 1.1.1 Saving A/c 33.58 25.00 5.85 6.60 3.25 78.26 3.18 31.45 1.1.2 Fixed A/c 17.09 11.54 1.31 11.64 0.75 72.90 1.94 23.96 1.1.2.1 Upto 3 Months Fixed A/ 0.16 1.17 0.31 0.07 1.1.2.2 3 to 6 Months fixed A/ 2.81 0.01 0.10 4.13 0.00 0.25 0.42 1.1.2.3 6 Months to 1 Year Fixed A/ 8.66 5.35 0.97 4.36 0.63 60.27 0.97 17.41 1.1.2.4 Above 1 Yea 5.63 6.02 0.24 3.15 0.13 11.46 0.41 6.06 1.1.3 Call Deposit 6.81 11.98 2.87 0.84 10.69 0.93 5.38 1.1.4 Certificate of Deposits 1.2 Others 9.66 0.02 2.00 2 Commission/Fee Expense 3 Employees Expenses 15.89 6.76 2.56 6.10 1.92 17.85 1.89 8.09 4 Office Operatiing Expenses 12.80 6.00 2.72 4.55 1.36 22.65 1.86 8.75 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 2.24 2.31 3.91 18.74 1.35 10.93 0.52 10.35 7.1 Loan loss Provision 2.24 2.31 3.91 18.74 1.35 10.93 0.52 10.35 7.1.1 General Loan loss Provision 1.14 1.06 3.91 18.74 1.35 2.53 0.52 1.47 7.1.2 Special Loan Loss Provision 1.11 1.25 8.40 8.88 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 0.05 9 Provision for Staff Bonus 0.28 0.11 0.84 10 Provision for Income Tax 0.85 0.33 2.51 11 Others 12 Net Profit 27.07 1.98 0.78 ‐19.29 5.85 TOTAL EXPENSES 125.14 66.72 19.20 48.52 9.87 195.99 10.31 97.19

Income 1. Interest Income 112.50 58.55 13.49 24.12 9.23 181.15 5.40 90.59 1.1. On Loans and Advance 100.18 50.74 13.05 23.12 6.85 156.12 5.40 79.35 1.2. On Investment 0.04 1.89 1.2.1 Government Bonds 0.04 1.89 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 1.2.4 Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 12.32 7.81 0.44 1.00 17.92 11.24 1.5 Others 2.34 5.22 2. Comission & Discount 1.98 1.35 0.90 0.09 0.64 0.41 2.10 6.59 2.1 Bills Purchase & Discount 2.2 Comission 1.35 0.24 0.09 0.61 0.41 0.66 1.15 2.3 Others 1.98 0.66 0.03 1.44 5.44 3 Income From Exchange Fluctuation 0.74 0.00 3.1 Due to Change in Exchange Rate 0.19 0.00 3.2 Due to Foreign Currency Trans 0.54 4 Other Operating Income 10.66 6.81 1.33 11.02 5 Non Operating Income 2.67 6 Provision Written Back 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss 4.81 22.98 2.81 TOTAL INCOME 125.14 66.72 19.20 48.52 9.87 195.99 10.31 97.19

39 Expenses dap Rara diyalo Nilgiri Alpine Garima Country Resunga Kasthaman 1 Interest Expenses 21.06 10.03 16.23 48.49 14.31 8.85 118.15 50.35 1.1 Deposit Liabilities 21.06 10.03 15.60 48.29 14.31 8.85 116.08 50.35 1.1.1 Saving A/c 18.95 8.10 2.21 5.13 9.06 4.30 49.04 26.97 1.1.2 Fixed A/c 2.11 1.93 5.22 20.74 4.07 3.12 39.10 16.42 1.1.2.1 Upto 3 Months Fixed A/ 0.01 0.38 2.03 0.02 0.05 2.10 1.1.2.2 3 to 6 Months fixed A/ 0.06 0.03 0.30 0.06 0.31 1.72 2.07 1.1.2.3 6 Months to 1 Year Fixed A/ 0.27 1.02 3.72 17.28 2.39 1.61 29.68 9.43 1.1.2.4 Above 1 Yea 1.84 0.84 1.09 1.13 1.59 1.16 5.60 4.92 1.1.3 Call Deposit 8.16 22.42 1.18 1.42 27.94 6.97 1.1.4 Certificate of Deposits 1.2 Others 0.64 0.20 2.07 2 Commission/Fee Expense 0.15 0.02 3 Employees Expenses 3.15 1.66 2.10 2.92 2.97 1.47 14.22 7.72 4 Office Operatiing Expenses 2.55 1.88 2.66 4.51 2.95 4.48 19.62 7.26 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 0.22 6.46 0.87 0.71 1.73 1.02 7.1 Loan loss Provision 0.22 6.46 0.87 0.71 1.73 1.02 7.1.1 General Loan loss Provision ‐0.02 0.85 0.08 0.33 ‐4.60 1.02 7.1.2 Special Loan Loss Provision 0.24 5.61 0.79 0.39 6.33 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 0.33 0.21 1.12 10 Provision for Income Tax 0.98 0.62 3.36 11 Others 0.98 12 Net Profit 6.85 3.78 0.80 2.29 2.34 1.83 7.84 TOTAL EXPENSES 33.61 17.57 21.79 67.10 24.27 17.35 153.74 78.68

Income 1. Interest Income 30.44 16.64 20.49 63.37 21.32 15.50 129.39 70.29 1.1. On Loans and Advance 21.10 12.38 16.14 49.87 19.19 12.83 105.49 59.21 1.2. On Investment 0.23 0.07 3.07 1.2.1 Government Bonds 0.23 0.07 3.07 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 1.2.4 Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 9.34 4.26 13.03 2.13 2.68 11.08 1.5 Others 4.12 0.39 20.84 2. Comission & Discount 3.17 0.93 0.02 0.22 2.54 0.40 1.52 0.78 2.1 Bills Purchase & Discount 2.2 Comission 1.38 0.90 0.02 0.19 0.47 1.49 0.78 2.3 Others 1.79 0.03 0.03 2.07 0.40 0.04 3 Income From Exchange Fluctuation 0.05 0.44 3.1 Due to Change in Exchange Rate 0.31 3.2 Due to Foreign Currency Trans 0.05 0.13 4 Other Operating Income 0.75 2.82 1.39 2.40 7.61 5 Non Operating Income 6 Provision Written Back 0.53 0.69 0.41 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 0.01 9 Net Loss 19.98 TOTAL INCOME 33.61 17.57 21.79 67.10 24.27 17.35 153.74 78.68

40 l

Expenses City Kabeli Bishow Kamana Purnima Corporate Pathibhara Professiona 1 Interest Expenses 62.49 64.62 4.10 5.43 41.92 37.76 22.68 20.42 1.1 Deposit Liabilities 62.47 64.34 4.10 5.43 33.56 37.76 22.68 20.42 1.1.1 Saving A/c 29.86 16.88 3.02 3.83 18.03 15.45 12.14 10.12 1.1.2 Fixed A/c 21.75 31.98 0.54 1.31 12.69 22.28 3.28 6.61 1.1.2.1 Upto 3 Months Fixed A/ 1.63 1.61 0.00 0.21 0.00 1.1.2.2 3 to 6 Months fixed A/ 1.27 1.21 0.09 0.14 0.67 0.06 0.02 1.1.2.3 6 Months to 1 Year Fixed A/ 14.37 20.47 0.25 0.55 4.97 20.18 1.81 5.57 1.1.2.4 Above 1 Yea 4.48 8.68 0.21 0.61 6.83 2.10 1.41 1.02 1.1.3 Call Deposit 10.86 15.49 0.53 0.28 2.84 0.02 7.26 3.69 1.1.4 Certificate of Deposits 1.2 Others 0.02 0.28 8.36 2 Commission/Fee Expense 3 Employees Expenses 5.47 6.61 1.90 1.96 4.65 2.67 4.76 2.73 4 Office Operatiing Expenses 7.40 5.14 1.73 1.03 4.95 2.60 5.00 3.77 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 6.60 0.10 0.08 0.87 1.93 2.11 0.93 7.1 Loan loss Provision 6.60 0.10 0.08 0.87 1.93 2.11 0.93 7.1.1 General Loan loss Provision 6.60 0.10 0.08 0.79 0.47 1.61 0.46 7.1.2 Special Loan Loss Provision 0.09 1.45 0.51 0.47 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 0.72 1.33 0.33 0.93 0.17 0.17 10 Provision for Income Tax 2.16 3.98 1.00 2.79 0.51 0.50 11 Others 12 Net Profit 5.05 9.29 2.34 6.52 1.19 1.16 TOTAL EXPENSES 89.88 91.08 11.49 8.42 62.64 46.82 36.38 27.85

Income 1. Interest Income 85.26 84.97 10.84 7.48 59.70 42.88 34.02 23.89 1.1. On Loans and Advance 72.13 74.31 7.45 6.01 51.09 37.09 28.14 16.81 1.2. On Investment 0.07 1.2.1 Government Bonds 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 10.66 10.54 3.38 1.47 8.61 5.88 7.08 1.5 Others 2.41 0.13 0.01 5.79 2. Comission & Discount 6.10 0.01 0.43 0.71 0.32 0.53 0.39 2.1 Bills Purchase & Discount 0.11 2.2 Comission 0.41 0.01 0.43 0.71 0.14 0.53 0.39 2.3 Others 5.70 0.07 3 Income From Exchange Fluctuation 0.01 3.1 Due to Change in Exchange Rate 0.00 3.2 Due to Foreign Currency Trans 0.01 4 Other Operating Income 4.62 0.63 0.43 2.22 3.62 1.83 2.26 5 Non Operating Income 6 Provision Written Back 0.44 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss 0.09 0.87 TOTAL INCOME 89.88 91.08 11.49 8.42 62.64 46.82 36.38 27.85

41 Expenses IDBL Jyoti Civic Shine Kakre Pacific Hamro Bagmati

1 Interest Expenses 91.59 3.12 6.31 3.54 47.52 9.88 2.51 135.99 1.1 Deposit Liabilities 91.48 3.12 6.31 3.54 47.52 9.88 2.51 131.66 1.1.1 Saving A/c 32.89 1.87 2.99 2.75 21.83 5.02 1.98 38.04 1.1.2 Fixed A/c 40.71 0.56 1.96 0.79 15.26 1.60 0.53 49.15 1.1.2.1 Upto 3 Months Fixed A/ 0.03 1.01 1.1.2.2 3 to 6 Months fixed A/ 0.02 0.02 0.00 0.13 0.10 1.78 1.1.2.3 6 Months to 1 Year Fixed A/ 0.08 0.26 1.54 0.48 12.40 0.81 0.17 36.71 1.1.2.4 Above 1 Yea 40.61 0.30 0.37 0.31 2.73 0.69 0.36 9.64 1.1.3 Call Deposit 17.88 0.70 1.36 10.43 3.26 44.48 1.1.4 Certificate of Deposits 1.2 Others 0.10 4.33 2 Commission/Fee Expense 3 Employees Expenses 13.07 1.14 1.60 0.79 4.54 1.50 1.28 16.57 4 Office Operatiing Expenses 19.78 0.68 1.74 1.67 4.12 1.14 1.64 23.36 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 0.94 0.18 0.16 2.05 1.17 0.35 3.05 7.1 Loan loss Provision 0.90 0.18 0.16 2.05 1.17 0.35 3.05 7.1.1 General Loan loss Provision 0.64 0.11 0.16 2.05 0.21 0.07 7.1.2 Special Loan Loss Provision 0.25 0.07 0.96 0.28 3.05 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 0.04 8 Loan Written Off 9 Provision for Staff Bonus 2.16 0.69 1.69 10 Provision for Income Tax 6.47 2.07 5.06 11 Others 12 Net Profit 15.09 0.51 2.21 1.88 4.82 1.98 ‐18.18 TOTAL EXPENSES 149.09 5.63 12.00 7.88 65.80 15.68 5.77 167.53

Income 1. Interest Income 140.77 5.19 11.02 7.08 59.83 12.96 3.87 144.66 1.1. On Loans and Advance 120.27 4.32 9.59 6.27 44.75 12.96 3.03 131.43 1.2. On Investment 1.99 0.22 1.2.1 Government Bonds 1.99 0.22 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 1.2.4 Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 15.80 0.87 1.43 14.86 0.83 12.62 1.5 Others 2.71 0.81 0.60 2. Comission & Discount 4.82 0.06 0.39 0.14 5.97 0.23 2.21 2.1 Bills Purchase & Discount 1.15 2.2 Comission 4.82 0.06 0.05 0.12 1.03 0.23 1.06 2.3 Others 0.33 0.02 4.94 3 Income From Exchange Fluctuation 0.00 0.00 3.1 Due to Change in Exchange Rate 0.01 3.2 Due to Foreign Currency Trans 0.00 0.00 4 Other Operating Income 2.24 0.37 0.60 1.15 0.59 4.03 5 Non Operating Income 0.66 1.34 6 Provision Written Back 1.25 16.62 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss 1.31 TOTAL INCOME 149.09 5.63 12.00 7.88 65.80 15.68 5.77 167.53

42 Expenses i Vibor Gulmi Bright Metro Jhimruk Kanchan Innovative Matribhum 1 Interest Expenses 6.67 13.64 4.74 11.40 15.07 4.05 19.62 107.14 1.1 Deposit Liabilities 6.67 13.64 4.74 11.33 14.61 4.05 19.62 101.75 1.1.1 Saving A/c 5.97 11.81 2.13 2.67 4.96 2.26 7.49 19.75 1.1.2 Fixed A/c 0.70 1.83 1.41 2.39 4.32 0.72 7.10 58.10 1.1.2.1 Upto 3 Months Fixed A/ 0.17 0.03 0.00 0.00 0.01 0.04 0.81 1.1.2.2 3 to 6 Months fixed A/ 0.16 0.04 0.00 0.00 0.02 0.40 0.00 1.1.2.3 6 Months to 1 Year Fixed A/ 0.37 0.85 0.58 1.23 3.50 0.18 4.42 9.07 1.1.2.4 Above 1 Yea 0.32 0.64 0.76 1.15 0.82 0.51 2.23 48.21 1.1.3 Call Deposit 1.20 6.28 5.33 1.07 5.04 23.89 1.1.4 Certificate of Deposits 1.2 Others 0.07 0.46 5.39 2 Commission/Fee Expense 0.08 3 Employees Expenses 1.16 2.83 1.33 1.87 2.28 1.08 1.73 13.88 4 Office Operatiing Expenses 1.12 1.97 0.61 1.92 4.21 1.88 3.15 17.72 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 0.02 7. Provision for Risk 0.07 0.12 0.18 0.44 0.24 0.27 0.43 135.25 7.1 Loan loss Provision 0.07 0.12 0.18 0.44 0.24 0.27 0.43 16.09 7.1.1 General Loan loss Provision 0.07 0.12 0.18 0.44 0.24 0.27 0.43 0.02 7.1.2 Special Loan Loss Provision 16.07 7.1.3 Additional Loan Loss Provision 7.2. Provision for Non‐Banking Assets 119.17 7.3. Provision for Loss on Investment 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus 0.01 0.15 10 Provision for Income Tax 0.02 0.44 11 Others 12 Net Profit 0.18 1.60 ‐0.42 0.05 1.02 TOTAL EXPENSES 9.20 20.17 6.43 15.72 21.83 7.35 26.54 273.99

Income 1. Interest Income 8.52 18.14 5.71 14.40 19.72 5.72 24.91 92.90 1.1. On Loans and Advance 5.79 12.79 5.71 12.94 15.60 5.28 20.67 62.42 1.2. On Investment 3.23 1.2.1 Government Bonds 2.62 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 0.61 1.2.4 Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 2.73 2.07 1.34 3.97 0.44 4.24 1.55 1.5 Others 3.29 0.12 0.16 25.71 2. Comission & Discount 0.08 2.03 0.72 0.06 0.36 0.84 0.01 2.1 Bills Purchase & Discount 2.2 Comission 1.56 0.22 0.06 0.18 0.77 0.01 2.3 Others 0.08 0.47 0.50 0.18 0.07 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans 4 Other Operating Income 0.59 1.26 1.37 1.63 5.34 5 Non Operating Income 0.38 6 Provision Written Back 0.17 60.76 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss 0.38 0.63 114.61 TOTAL INCOME 9.20 20.17 6.43 15.72 21.83 7.35 26.54 273.99

43 Expenses Surya Mission Tourism Khadbari Raptiveri Consumer Gaumukhi Mt. Makalu 1 Interest Expenses 2.04 4.68 14.21 1.32 42.31 14.78 1.68 0.08 1.1 Deposit Liabilities 2.04 4.68 13.21 1.32 41.99 14.70 1.68 0.08 1.1.1 Saving A/c 1.98 3.15 4.09 1.04 9.94 6.44 0.59 1.1.2 Fixed A/c 0.06 1.53 6.29 0.25 18.10 3.36 0.73 0.08 1.1.2.1 Upto 3 Months Fixed A/ 0.01 2.10 0.06 1.1.2.2 3 to 6 Months fixed A/ 1.51 0.10 1.1.2.3 6 Months to 1 Year Fixed A/ 0.02 0.76 2.29 0.05 14.01 2.82 0.40 0.04 1.1.2.4 Above 1 Yea 0.04 0.77 4.00 0.19 0.48 0.38 0.33 0.04 1.1.3 Call Deposit 2.83 0.02 13.95 4.91 0.37 1.1.4 Certificate of Deposits 1.2 Others 1.00 0.32 0.07 2 Commission/Fee Expense 0.02 3 Employees Expenses 0.91 1.72 2.43 0.90 7.50 3.35 1.03 0.35 4 Office Operatiing Expenses 0.45 1.24 2.65 0.43 10.41 3.12 0.49 0.38 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 0.26 2.07 0.11 4.54 0.61 0.08 7.1 Loan loss Provision 0.26 2.07 0.11 4.54 0.61 0.08 7.1.1 General Loan loss Provision 0.16 0.46 0.11 0.97 0.61 0.08 7.1.2 Special Loan Loss Provision 0.09 1.61 3.57 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 ‐0.04 9 Provision for Staff Bonus 0.45 0.76 10 Provision for Income Tax 1.36 2.28 11 Others 12 Net Profit 0.03 0.59 0.99 TOTAL EXPENSES 3.71 9.67 21.68 2.76 67.79 21.85 3.20 1.92

Income 1. Interest Income 2.66 7.43 20.93 2.15 57.31 18.51 2.41 1.77 1.1. On Loans and Advance 2.54 7.43 17.83 2.15 44.83 15.23 2.41 1.72 1.2. On Investment 0.70 1.2.1 Government Bonds 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 0.70 1.2.4 Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 0.13 3.10 10.79 3.28 0.05 1.5 Others 0.98 2. Comission & Discount 1.04 1.18 0.03 0.36 1.77 0.17 0.57 0.14 2.1 Bills Purchase & Discount 2.2 Comission 1.01 0.03 0.36 1.77 0.17 0.57 0.14 2.3 Others 0.02 1.18 3 Income From Exchange Fluctuation 4.26 3.1 Due to Change in Exchange Rate 0.43 3.2 Due to Foreign Currency Trans 3.83 4 Other Operating Income 0.01 0.62 3.27 2.10 0.01 5 Non Operating Income 0.01 6 Provision Written Back 0.09 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss 1.06 0.24 1.17 1.07 0.23 TOTAL INCOME 3.71 9.67 21.68 2.76 67.79 21.85 3.20 1.92

44 Expenses hi Ekata Social Sindhu Sahara NCDBL Cosmos Manaslu Samabridd 1 Interest Expenses 12.67 2.24 18.73 9.28 2.09 3.79 1.77 0.09 1.1 Deposit Liabilities 12.52 2.24 18.33 9.28 2.09 3.79 1.77 0.09 1.1.1 Saving A/c 9.83 1.13 1.41 2.00 1.23 2.27 1.51 0.08 1.1.2 Fixed A/c 2.69 0.07 5.06 2.24 0.11 0.30 0.26 0.00 1.1.2.1 Upto 3 Months Fixed A/ 0.02 0.03 1.1.2.2 3 to 6 Months fixed A/ 0.03 0.02 0.00 1.1.2.3 6 Months to 1 Year Fixed A/ 4.70 1.93 0.05 0.00 0.17 0.00 1.1.2.4 Above 1 Yea 2.66 0.07 0.36 0.27 0.07 0.30 0.05 0.00 1.1.3 Call Deposit 1.04 11.85 5.04 0.74 1.22 0.00 1.1.4 Certificate of Deposits 1.2 Others 0.15 0.40 2 Commission/Fee Expense 3 Employees Expenses 2.73 0.68 5.26 1.88 1.04 2.06 1.55 0.48 4 Office Operatiing Expenses 2.70 0.80 3.55 2.80 1.48 2.33 1.61 0.36 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 3.03 0.09 7. Provision for Risk 0.78 0.41 0.28 0.13 0.31 0.82 7.1 Loan loss Provision 0.78 0.41 0.28 0.13 0.31 0.82 7.1.1 General Loan loss Provision 0.78 0.22 0.28 0.01 0.31 0.82 7.1.2 Special Loan Loss Provision 0.19 0.12 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 10 Provision for Income Tax 11 Others 12 Net Profit 0.01 0.02 TOTAL EXPENSES 18.89 4.14 30.58 14.24 4.74 8.49 5.74 1.04

Income 1. Interest Income 14.97 2.53 19.34 10.94 2.74 6.50 5.03 0.98 1.1. On Loans and Advance 11.29 1.75 13.35 8.27 2.29 5.27 4.09 0.00 1.2. On Investment 0.28 1.2.1 Government Bonds 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 0.28 1.2.4 Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 3.38 0.79 4.21 2.66 0.45 1.24 0.98 1.5 Others 0.29 1.51 0.94 2. Comission & Discount 0.15 0.05 0.07 0.27 0.04 2.1 Bills Purchase & Discount 2.2 Comission 0.15 0.05 0.04 0.22 0.02 2.3 Others 0.03 0.04 0.03 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 0.94 0.34 0.61 0.86 0.39 0.06 5 Non Operating Income 0.08 0.00 6 Provision Written Back 0.53 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss 1.88 0.67 10.23 2.62 1.73 1.13 0.29 TOTAL INCOME 18.89 4.14 30.58 14.24 4.74 8.49 5.74 1.04

45 Profit and Loss Account of Finance Companies

Expenses FC NIDC Nepal NSMFL Capital Capital Peoples Peoples Finance NHDFCL National Narayani Annapurna 1 Interest Expenses 20.30 20.53 56.57 91.28 132.45 121.09 23.84 1.1 Deposit Liabilities 20.30 19.89 55.01 91.28 131.48 102.03 23.84 1.1.1 Saving A/c 3.00 2.84 13.05 18.66 39.29 39.25 5.36 1.1.2 Fixed A/c 17.30 17.05 35.49 72.63 73.56 55.39 18.49 1.1.2.1 Upto 3 Months Fixed A/ 0.17 4.40 0.17 0.15 0.03 2.70 1.1.2.2 3 to 6 Months fixed A/ 0.13 4.79 0.72 1.32 0.82 0.08 1.1.2.3 6 Months to 1 Year Fixed A/ 9.10 13.61 14.19 40.40 41.26 29.60 11.74 1.1.2.4 Above 1 Yea 8.20 3.15 12.11 31.34 30.83 24.93 3.96 1.1.3 Call Deposit 6.47 18.63 7.38 1.1.4 Certificate of Deposits 1.2 Others 0.64 1.56 0.98 19.07 2 Commission/Fee Expense 0.00 3 Employees Expenses 2.60 2.37 4.42 7.47 15.95 11.20 2.44 4 Office Operatiing Expenses 2.40 2.83 5.25 7.86 16.19 10.28 2.83 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 1.80 14.27 7. Provision for Risk 8.40 2.45 16.51 17.82 15.80 92.57 7.1 Loan loss Provision 8.40 2.45 16.51 17.82 15.80 92.57 7.1.1 General Loan loss Provision ‐0.20 17.82 12.60 7.1.2 Special Loan Loss Provision 8.60 2.45 16.51 3.20 92.57 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 0.77 2.59 10 Provision for Income Tax 2.31 7.10 11 Others 0.79 12 Net Profit ‐7.65 5.39 18.81 TOTAL EXPENSES 33.70 20.53 84.55 132.91 208.90 250.20 29.12

Income 1. Interest Income 29.00 18.24 47.49 126.38 191.94 63.18 6.48 1.1. On Loans and Advance 19.90 15.36 28.69 114.77 160.95 61.98 3.61 1.2. On Investment 0.48 1.25 1.78 3.21 1.2.1 Government Bonds 1.25 1.78 3.21 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 0.42 1.2.4 Deventure & Bonds 0.05 1.3 Agency Balance 1.4 On Call Deposit 2.40 15.88 9.83 17.52 1.21 1.73 1.5 Others 9.10 1.67 10.27 1.14 2. Comission & Discount 0.32 0.32 0.46 0.52 0.15 2.1 Bills Purchase & Discount 2.2 Comission 0.00 0.32 0.46 0.52 2.3 Others 0.31 0.15 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans 4 Other Operating Income 0.40 0.53 1.92 4.65 7.63 0.23 5 Non Operating Income 4.05 0.50 3.26 6 Provision Written Back 1.44 23.24 0.91 8.81 6.60 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss 4.30 7.53 176.79 22.64 TOTAL INCOME 33.70 20.53 84.55 132.91 208.90 250.20 29.12

46 e

Expenses hal Union Gorkha Universal Himalaya N.Housing Merchantil &Merchant Kathmandu Paschimanc 1 Interest Expenses 1.09 16.65 27.71 41.79 12.70 52.96 63.06 47.27 1.1 Deposit Liabilities 1.09 16.65 24.13 40.99 12.70 52.96 63.06 47.27 1.1.1 Saving A/c 0.00 3.16 0.86 5.28 1.29 16.34 10.25 11.29 1.1.2 Fixed A/c 1.09 13.49 23.27 34.10 11.41 36.61 52.82 35.33 1.1.2.1 Upto 3 Months Fixed A/ 1.00 1.01 0.03 3.40 0.91 1.1.2.2 3 to 6 Months fixed A/ 0.61 0.18 1.62 0.01 0.01 0.21 0.27 0.06 1.1.2.3 6 Months to 1 Year Fixed A/ 0.07 5.54 5.35 22.53 8.76 12.85 16.31 15.35 1.1.2.4 Above 1 Yea 0.40 6.77 16.29 10.55 2.64 23.53 32.83 19.01 1.1.3 Call Deposit 1.61 0.65 1.1.4 Certificate of Deposits 1.2 Others 3.58 0.81 2 Commission/Fee Expense 0.25 3 Employees Expenses 0.33 2.23 3.52 4.95 1.79 6.88 4.90 2.59 4 Office Operatiing Expenses 0.21 2.77 2.06 4.88 1.57 3.85 3.39 2.20 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 0.17 7. Provision for Risk 6.11 0.24 6.16 5.89 1.49 7.1 Loan loss Provision 6.11 0.24 6.16 5.89 1.49 7.1.1 General Loan loss Provision 0.24 7.1.2 Special Loan Loss Provision 6.16 1.49 7.1.3 Additional Loan Loss Provision 6.11 5.89 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 0.06 0.38 10 Provision for Income Tax 0.19 1.14 11 Others 0.03 12 Net Profit 3.98 0.45 2.33 3.09 TOTAL EXPENSES 5.60 27.76 33.78 57.96 16.07 70.31 75.17 56.67

Income 1. Interest Income 4.63 22.73 27.14 42.46 11.74 64.71 72.79 54.47 1.1. On Loans and Advance 4.49 18.78 27.09 40.51 10.58 58.38 69.70 48.02 1.2. On Investment 0.14 0.09 0.06 0.07 0.03 1.21 1.18 1.2.1 Government Bonds 0.06 0.07 0.03 1.21 1.18 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 0.14 0.09 1.2.4 Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 0.00 3.78 0.95 1.09 6.29 1.88 5.27 1.5 Others 0.08 0.05 0.94 2. Comission & Discount 0.15 0.04 0.05 0.03 1.15 5.38 0.05 0.03 2.1 Bills Purchase & Discount 2.2 Comission 0.15 0.04 0.05 0.03 0.01 0.09 0.05 0.03 2.3 Others 1.15 5.29 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans 4 Other Operating Income 0.01 0.78 0.59 2.43 0.06 0.93 5 Non Operating Income 0.20 0.00 0.00 0.23 0.01 6 Provision Written Back 0.81 0.07 1.04 0.99 0.16 1.17 2.17 7 Recovery from Written off Loan 0.06 0.40 0.46 8 Income from Extra Ordinary Expenses 9 Net Loss 3.88 6.00 11.60 1.72 TOTAL INCOME 5.60 27.76 33.78 57.96 16.07 70.31 75.17 56.67

47 FC

Expenses Yeti Shree Investa Lumbini Lumbini Goodwill Standard Samjhana Siddhartha Investment 1 Interest Expenses 52.48 31.15 43.98 51.28 0.13 48.51 107.03 1.1 Deposit Liabilities 41.00 29.46 43.98 51.28 0.13 48.51 103.73 1.1.1 Saving A/c 11.76 9.09 8.06 7.29 23.11 31.25 1.1.2 Fixed A/c 29.24 20.36 35.91 44.00 0.13 25.41 63.50 1.1.2.1 Upto 3 Months Fixed A/ 0.38 0.07 2.61 0.05 5.22 1.1.2.2 3 to 6 Months fixed A/ 0.41 0.21 1.75 0.09 3.18 1.1.2.3 6 Months to 1 Year Fixed A/ 9.02 26.39 25.85 8.56 50.40 1.1.2.4 Above 1 Yea 19.42 20.36 9.23 13.78 0.13 16.71 4.70 1.1.3 Call Deposit 8.98 1.1.4 Certificate of Deposits 1.2 Others 11.47 1.70 3.30 2 Commission/Fee Expense 3 Employees Expenses 5.91 4.27 3.59 4.04 0.36 3.83 12.42 4 Office Operatiing Expenses 10.53 2.60 3.92 2.62 0.68 3.18 14.78 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 0.08 7.20 0.26 1.19 4.75 7.1 Loan loss Provision 0.08 6.49 0.26 1.19 4.75 7.1.1 General Loan loss Provision 0.08 0.41 7.1.2 Special Loan Loss Provision ‐0.15 1.19 4.75 7.1.3 Additional Loan Loss Provision 6.49 7.2. Provision for Non‐Banking Assets 0.72 7.3. Provision for Loss on Investment 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus 0.52 1.62 10 Provision for Income Tax 1.45 4.85 11 Others 0.53 12 Net Profit 3.73 2.29 11.31 1.92 TOTAL EXPENSES 74.69 47.52 51.74 75.73 3.09 56.71 145.92

Income 1. Interest Income 67.79 43.42 45.20 72.43 1.43 52.53 130.69 1.1. On Loans and Advance 65.16 36.14 41.75 71.72 1.43 46.62 113.31 1.2. On Investment 2.63 0.90 0.70 1.12 1.2.1 Government Bonds 2.63 0.90 0.70 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 1.12 1.2.4 Deventure & Bonds 1.3 Agency Balance 2.55 1.4 On Call Deposit 4.53 0.71 5.21 9.66 1.5 Others 2.75 6.60 2. Comission & Discount 6.90 3.70 0.18 0.39 0.41 2.1 Bills Purchase & Discount 0.00 2.2 Comission 0.17 0.15 0.39 0.41 2.3 Others 6.90 3.53 0.03 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans 4 Other Operating Income 3.06 3.12 1.66 1.24 1.15 5 Non Operating Income 0.06 0.70 0.18 6 Provision Written Back 0.34 0.34 10.75 7 Recovery from Written off Loan 0.20 8 Income from Extra Ordinary Expenses 9 Net Loss 3.48 1.30 2.74 TOTAL INCOME 74.69 47.52 51.74 75.73 3.09 56.71 145.92

48 Expenses Alpic ILFCO Everest Lalitpur General United FC Bhajuratna Bhajuratna Mahalaxmi Progressive 1 Interest Expenses 55.81 85.85 79.99 5.24 148.39 40.39 11.43 30.83 1.1 Deposit Liabilities 55.81 84.67 71.07 5.24 103.11 39.35 8.90 28.55 1.1.1 Saving A/c 7.64 29.79 21.88 0.77 28.20 9.50 2.99 9.04 1.1.2 Fixed A/c 46.85 54.81 49.19 4.47 74.91 29.85 5.91 19.51 1.1.2.1 Upto 3 Months Fixed A/ 3.04 1.24 3.16 1.31 1.1.2.2 3 to 6 Months fixed A/ 0.22 0.82 0.18 1.20 1.1.2.3 6 Months to 1 Year Fixed A/ 19.15 7.38 28.12 2.18 1.29 9.02 1.1.2.4 Above 1 Yea 27.71 44.17 19.01 2.28 74.91 26.52 4.62 7.98 1.1.3 Call Deposit 1.32 1.1.4 Certificate of Deposits 0.07 1.2 Others 1.19 8.92 45.29 1.04 2.53 2.28 2 Commission/Fee Expense 3 Employees Expenses 11.34 7.22 3.47 1.46 13.32 3.47 1.88 2.77 4 Office Operatiing Expenses 14.27 5.61 3.74 5.59 10.76 2.75 1.46 4.09 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 7. Provision for Risk 16.42 13.30 12.84 0.48 0.32 7.1 Loan loss Provision 16.42 13.30 12.84 0.48 0.32 7.1.1 General Loan loss Provision 16.42 10.63 ‐1.29 7.1.2 Special Loan Loss Provision 1.65 14.13 7.1.3 Additional Loan Loss Provision 1.01 0.48 0.32 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 0.02 9 Provision for Staff Bonus 1.57 10 Provision for Income Tax 4.72 11 Others 0.00 12 Net Profit 15.35 0.95 0.79 TOTAL EXPENSES 119.48 111.98 87.21 12.28 185.35 46.61 16.20 38.80

Income 1. Interest Income 116.46 102.61 51.71 6.60 175.19 29.09 12.64 24.05 1.1. On Loans and Advance 95.65 80.18 51.71 4.32 123.03 27.36 12.64 18.80 1.2. On Investment 3.70 0.93 0.11 1.75 1.2.1 Government Bonds 3.70 0.11 1.75 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 0.93 1.2.4 Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 9.97 5.09 1.65 1.5 Others 17.12 11.53 2.17 45.32 0.08 5.25 2. Comission & Discount 0.05 0.91 0.16 0.02 0.83 1.10 0.14 0.07 2.1 Bills Purchase & Discount 2.2 Comission 0.15 0.16 0.02 0.83 1.10 0.07 2.3 Others 0.05 0.76 0.14 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans 4 Other Operating Income 2.97 2.48 0.99 0.17 4.10 3.42 1.63 5 Non Operating Income 0.18 6 Provision Written Back 1.43 2.95 7.92 6.00 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss 4.37 31.41 5.50 5.22 8.50 7.05 TOTAL INCOME 119.48 111.98 87.21 12.28 185.35 46.61 16.20 38.80

49 Expenses se Arun Janaki Butwal Central Premier Pokhara Navadurga Multipurpo 1 Interest Expenses 26.93 29.79 49.04 78.74 49.42 7.21 1.87 59.90 1.1 Deposit Liabilities 26.93 29.79 49.04 75.46 45.32 7.13 1.87 58.11 1.1.1 Saving A/c 10.45 8.85 22.14 20.58 16.76 3.21 18.65 1.1.2 Fixed A/c 16.48 20.94 26.89 54.88 28.56 3.92 1.87 39.46 1.1.2.1 Upto 3 Months Fixed A/ 0.05 5.60 0.04 0.48 1.1.2.2 3 to 6 Months fixed A/ 1.34 0.38 1.23 0.80 1.39 1.1.2.3 6 Months to 1 Year Fixed A/ 14.79 2.95 17.83 2.25 20.07 1.1.2.4 Above 1 Yea 16.48 20.94 10.76 51.50 3.90 0.83 1.87 17.52 1.1.3 Call Deposit 1.1.4 Certificate of Deposits 1.2 Others 3.28 4.09 0.08 1.79 2 Commission/Fee Expense 0.26 0.13 3 Employees Expenses 3.09 1.70 3.03 3.89 3.10 2.77 0.56 7.47 4 Office Operatiing Expenses 2.11 0.73 8.35 3.01 4.62 2.16 0.08 9.31 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 0.89 0.11 14.95 0.45 22.84 38.29 0.34 3.47 7.1 Loan loss Provision 0.89 0.11 14.95 0.45 22.84 38.29 0.34 3.47 7.1.1 General Loan loss Provision 0.28 0.11 0.45 22.84 ‐1.36 ‐0.01 3.47 7.1.2 Special Loan Loss Provision 0.61 14.95 39.66 0.35 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 10 Provision for Income Tax 11 Others 12 Net Profit 3.40 27.35 0.48 TOTAL EXPENSES 36.43 59.94 75.37 86.10 79.98 50.44 3.46 80.15

Income 1. Interest Income 34.41 45.87 68.22 52.35 68.06 4.67 3.28 58.27 1.1. On Loans and Advance 28.38 34.77 53.98 45.12 68.06 4.28 3.28 50.06 1.2. On Investment 0.35 1.07 1.2.1 Government Bonds 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 0.35 1.2.4 Deventure & Bonds 1.07 1.3 Agency Balance 1.4 On Call Deposit 1.92 14.24 6.16 0.39 8.21 1.5 Others 6.03 8.83 2. Comission & Discount 0.08 0.02 3.91 0.12 0.01 0.02 1.29 2.1 Bills Purchase & Discount 0.08 2.2 Comission 0.02 0.12 0.01 0.02 0.44 2.3 Others 3.91 0.00 0.85 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans 4 Other Operating Income 1.94 0.51 0.95 4.16 0.22 0.18 5 Non Operating Income 0.10 6 Provision Written Back 6.35 4.40 0.01 0.26 7 Recovery from Written off Loan 7.09 0.04 8 Income from Extra Ordinary Expenses 9 Net Loss 3.25 28.28 7.75 45.49 20.33 TOTAL INCOME 36.43 59.94 75.37 86.10 79.98 50.44 3.46 80.15

50 i

Expenses Om CMB Royal Royal Srijana Crystal WMBFL CMBFCL Guheshwor 1 Interest Expenses 2.98 92.91 18.58 35.09 96.90 44.76 78.67 34.25 1.1 Deposit Liabilities 2.98 92.91 18.46 30.53 93.79 33.60 70.79 34.25 1.1.1 Saving A/c 1.77 33.02 7.50 9.48 19.03 11.27 21.43 8.45 1.1.2 Fixed A/c 1.21 59.89 10.95 21.05 47.99 22.32 49.36 25.80 1.1.2.1 Upto 3 Months Fixed A/ 0.62 0.00 0.55 0.01 1.33 8.52 1.18 1.1.2.2 3 to 6 Months fixed A/ 1.72 0.00 0.02 2.31 2.19 3.12 0.08 1.1.2.3 6 Months to 1 Year Fixed A/ 43.17 9.21 15.18 23.89 12.59 27.59 12.15 1.1.2.4 Above 1 Yea 1.21 14.37 1.74 5.30 21.78 6.20 10.13 12.39 1.1.3 Call Deposit 26.77 1.1.4 Certificate of Deposits 1.2 Others 0.12 4.56 3.10 11.16 7.88 2 Commission/Fee Expense 0.21 3 Employees Expenses 1.23 8.01 2.87 3.16 12.97 1.66 3.76 2.16 4 Office Operatiing Expenses 1.03 9.60 3.25 4.30 11.48 1.32 7.39 1.25 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 6.63 0.81 686.92 1.24 2.49 0.06 7.1 Loan loss Provision 6.63 0.81 686.92 1.24 2.49 0.06 7.1.1 General Loan loss Provision 6.63 0.81 ‐13.04 1.24 ‐1.07 0.06 7.1.2 Special Loan Loss Provision 0.00 699.95 3.56 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 0.50 9 Provision for Staff Bonus 10 Provision for Income Tax 11 Others 12 Net Profit 3.41 9.23 TOTAL EXPENSES 8.86 117.15 25.51 43.05 808.27 48.97 92.31 46.96

Income 1. Interest Income 7.41 106.25 17.13 24.38 55.72 42.81 73.55 44.62 1.1. On Loans and Advance 7.15 94.21 12.33 21.94 50.94 42.75 67.20 36.67 1.2. On Investment 2.31 0.54 1.84 0.22 1.2.1 Government Bonds 2.31 0.54 1.84 0.22 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 1.2.4 Deventure & Bonds 1.3 Agency Balance 1.83 1.4 On Call Deposit 0.27 7.84 3.06 5.91 1.5 Others 1.89 4.26 2.44 4.78 0.06 1.44 2. Comission & Discount 0.14 0.01 3.68 0.03 0.03 0.14 0.13 2.1 Bills Purchase & Discount 2.2 Comission 0.14 0.01 0.02 0.03 0.03 0.14 0.13 2.3 Others 3.66 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans 4 Other Operating Income 1.31 7.14 1.02 0.01 0.41 1.59 1.95 5 Non Operating Income 0.06 0.13 0.37 0.81 0.26 6 Provision Written Back 2.44 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss 3.70 4.79 15.00 752.14 4.91 17.04 TOTAL INCOME 8.86 117.15 25.51 43.05 808.27 48.97 92.31 46.96

51 a

Expenses IME ICFC Fewa Patan Everest Shikhar Prudential Sagarmath 1 Interest Expenses 12.42 79.00 10.46 46.93 122.62 131.94 48.20 26.91 1.1 Deposit Liabilities 12.06 79.00 10.46 38.42 119.34 131.94 47.74 26.10 1.1.1 Saving A/c 4.68 33.33 4.83 14.04 51.15 91.27 15.14 5.51 1.1.2 Fixed A/c 7.39 45.68 5.64 24.37 68.19 40.67 32.60 20.59 1.1.2.1 Upto 3 Months Fixed A/ 1.70 2.48 1.53 4.19 3.09 3.38 2.49 1.1.2.2 3 to 6 Months fixed A/ 1.37 0.67 0.72 1.34 3.43 1.63 1.1.2.3 6 Months to 1 Year Fixed A/ 31.35 0.91 9.87 31.42 30.72 23.16 14.76 1.1.2.4 Above 1 Yea 7.39 11.25 2.25 12.31 31.86 5.52 2.62 1.71 1.1.3 Call Deposit 1.1.4 Certificate of Deposits 0.01 1.2 Others 0.36 8.50 3.28 0.46 0.81 2 Commission/Fee Expense 3 Employees Expenses 2.15 6.01 1.21 3.13 10.30 15.96 5.78 2.37 4 Office Operatiing Expenses 1.41 10.75 1.76 3.03 14.42 12.88 3.37 2.81 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 0.15 7. Provision for Risk 8.15 6.34 0.82 79.28 0.50 23.60 0.15 1.97 7.1 Loan loss Provision 8.15 6.34 0.82 79.28 0.50 23.60 0.15 1.97 7.1.1 General Loan loss Provision 8.15 6.34 0.10 ‐4.42 4.65 1.97 7.1.2 Special Loan Loss Provision 0.73 79.28 0.19 18.95 0.15 7.1.3 Additional Loan Loss Provision 4.73 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 0.29 0.09 3.17 10 Provision for Income Tax 0.88 0.28 9.50 11 Others 12 Net Profit 2.04 0.65 22.16 15.71 TOTAL EXPENSES 24.28 105.32 15.28 132.38 182.67 200.09 57.50 34.05

Income 1. Interest Income 12.34 99.98 14.59 37.54 175.71 179.93 44.32 30.46 1.1. On Loans and Advance 9.01 89.36 11.05 36.00 145.63 151.47 40.16 27.36 1.2. On Investment 0.44 0.45 0.57 1.92 0.33 0.04 1.2.1 Government Bonds 0.45 0.57 1.92 0.04 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 0.44 0.33 1.2.4 Deventure & Bonds 1.3 Agency Balance 24.36 1.4 On Call Deposit 10.19 3.08 0.39 26.54 1.5 Others 3.33 0.58 5.72 3.83 3.05 2. Comission & Discount 0.00 0.22 0.10 1.20 0.20 6.75 1.99 1.18 2.1 Bills Purchase & Discount 2.2 Comission 0.00 0.22 0.10 0.03 0.20 6.75 0.25 0.12 2.3 Others 0.00 1.18 1.74 1.07 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans 4 Other Operating Income 0.37 5.11 0.59 6.75 13.42 5 Non Operating Income 6 Provision Written Back 6.82 0.52 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss 11.58 86.81 10.67 2.41 TOTAL INCOME 24.28 105.32 15.28 132.38 182.67 200.09 57.50 34.05

52 Expenses Seti Civil NEFL hama Kuber Valley Prabhu Imperial

1 Interest Expenses 18.26 163.19 33.23 46.71 20.13 34.35 2.45 12.74 1.1 Deposit Liabilities 17.60 163.12 33.18 44.73 18.92 33.63 2.45 12.72 1.1.1 Saving A/c 9.05 99.51 10.33 10.57 10.25 5.45 1.68 3.27 1.1.2 Fixed A/c 7.35 63.62 22.85 34.16 8.65 19.45 0.77 6.04 1.1.2.1 Upto 3 Months Fixed A/ 0.01 2.01 2.12 0.01 1.25 1.1.2.2 3 to 6 Months fixed A/ 6.66 0.28 0.07 3.07 0.07 1.1.2.3 6 Months to 1 Year Fixed A/ 6.09 48.82 9.16 34.16 5.93 6.47 0.00 2.82 1.1.2.4 Above 1 Yea 1.25 6.13 11.29 2.64 9.92 0.77 1.90 1.1.3 Call Deposit 1.21 0.02 8.73 3.41 1.1.4 Certificate of Deposits 1.2 Others 0.66 0.07 0.05 1.97 1.20 0.72 0.02 2 Commission/Fee Expense 3 Employees Expenses 2.51 20.34 2.46 4.94 3.09 3.74 1.69 2.06 4 Office Operatiing Expenses 0.97 30.61 1.68 6.36 2.63 3.66 0.56 2.30 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 0.06 0.02 7. Provision for Risk 13.26 7.03 0.68 0.28 0.15 25.37 7.1 Loan loss Provision 13.26 7.03 0.68 0.28 0.15 25.37 7.1.1 General Loan loss Provision 4.27 7.03 0.09 ‐1.13 7.1.2 Special Loan Loss Provision 7.40 0.68 0.28 0.06 29.52 7.1.3 Additional Loan Loss Provision 1.60 ‐3.02 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 0.08 0.34 10 Provision for Income Tax 0.23 1.03 11 Others 12 Net Profit 2.39 2.05 TOTAL EXPENSES 35.31 221.23 37.37 58.00 30.28 42.06 6.90 42.48

Income 1. Interest Income 22.35 159.91 26.58 34.75 28.64 38.02 6.44 16.27 1.1. On Loans and Advance 16.22 148.90 19.03 32.74 23.24 34.89 5.70 14.00 1.2. On Investment 0.34 0.03 0.22 0.42 0.36 1.2.1 Government Bonds 0.22 0.36 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 0.34 0.03 0.42 1.2.4 Deventure & Bonds 1.3 Agency Balance 10.79 1.4 On Call Deposit 4.39 1.45 2.71 1.89 1.5 Others 1.40 0.22 7.52 0.56 5.18 0.74 0.01 2. Comission & Discount 0.04 22.88 0.03 1.84 0.50 0.27 0.05 0.04 2.1 Bills Purchase & Discount 0.00 2.2 Comission 0.04 22.88 0.03 1.84 0.50 0.27 0.05 0.04 2.3 Others 3 Income From Exchange Fluctuation 8.79 3.1 Due to Change in Exchange Rate 8.79 3.2 Due to Foreign Currency Trans 4 Other Operating Income 0.97 8.46 0.63 0.60 1.14 1.92 0.41 1.02 5 Non Operating Income 0.36 0.12 6 Provision Written Back 10.82 7.70 7.29 0.10 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss 1.13 13.48 2.48 20.71 1.73 25.14 TOTAL INCOME 35.31 221.23 37.37 58.00 30.28 42.06 6.90 42.48

53 an

Expenses Api Lord Lord Kaski Zenith reliable Buddha Swastik Namaste Suryadarsh 1 Interest Expenses 64.59 13.29 11.27 26.05 2.05 41.58 21.92 29.88 1.1 Deposit Liabilities 60.36 13.29 11.27 26.05 2.05 41.58 20.28 29.79 1.1.1 Saving A/c 32.83 6.50 4.57 17.14 1.76 18.13 8.31 17.50 1.1.2 Fixed A/c 27.53 6.80 6.70 8.91 0.29 23.45 11.97 12.29 1.1.2.1 Upto 3 Months Fixed A/ 1.82 1.15 0.18 1.96 1.21 0.08 1.1.2.2 3 to 6 Months fixed A/ 1.94 0.49 0.13 0.90 0.94 1.1.2.3 6 Months to 1 Year Fixed A/ 20.90 4.47 4.24 6.88 0.01 19.49 9.80 8.28 1.1.2.4 Above 1 Yea 2.87 0.69 2.47 1.71 0.28 2.00 0.06 2.99 1.1.3 Call Deposit 1.1.4 Certificate of Deposits 1.2 Others 4.23 1.64 0.09 2 Commission/Fee Expense 3 Employees Expenses 6.28 1.67 1.79 3.28 0.78 4.00 2.17 4.11 4 Office Operatiing Expenses 5.85 1.77 2.11 2.51 0.25 3.55 2.83 2.71 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 3.34 0.70 0.07 1.12 0.29 4.42 1.67 7.1 Loan loss Provision 0.70 0.07 1.12 0.29 4.42 1.65 7.1.1 General Loan loss Provision 0.70 0.07 1.12 0.29 0.14 7.1.2 Special Loan Loss Provision 4.42 1.51 7.1.3 Additional Loan Loss Provision 7.2. Provision for Non‐Banking Assets 3.34 7.3. Provision for Loss on Investment 0.02 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus 0.20 0.13 0.08 0.19 10 Provision for Income Tax 0.59 0.39 0.24 0.57 11 Others 12 Net Profit 1.37 4.80 0.10 0.91 1.24 0.56 1.34 TOTAL EXPENSES 82.21 22.23 15.34 34.38 4.60 54.43 26.92 40.48

Income 1. Interest Income 70.37 22.22 14.27 32.90 4.06 52.08 20.83 36.57 1.1. On Loans and Advance 57.99 16.05 11.88 26.24 3.21 45.93 16.35 29.55 1.2. On Investment 1.21 0.33 0.09 0.17 0.23 0.10 1.2.1 Government Bonds 1.21 0.09 0.23 0.10 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 0.33 0.17 1.2.4 Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 11.13 2.12 5.44 0.85 2.68 6.91 1.5 Others 0.03 5.85 0.18 1.22 5.97 1.57 2. Comission & Discount 1.34 0.01 0.29 0.30 0.08 0.13 2.1 Bills Purchase & Discount 2.2 Comission 1.34 0.01 0.22 0.30 0.08 0.13 2.3 Others 0.07 3 Income From Exchange Fluctuation 0.63 3.1 Due to Change in Exchange Rate 0.63 3.2 Due to Foreign Currency Trans 4 Other Operating Income 2.55 0.77 1.17 0.52 2.35 0.72 3.82 5 Non Operating Income 0.14 0.08 6 Provision Written Back 7.18 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss 5.24 TOTAL INCOME 82.21 22.23 15.34 34.38 4.66 54.43 26.92 40.48

54 Expenses e Lotus Jebils Unique Baibhav Reliance Bhaktapur Manjushre Subhalaxmi 1 Interest Expenses 15.83 26.19 19.29 11.67 33.45 9.21 3.91 3.22 1.1 Deposit Liabilities 12.66 24.89 19.29 11.67 31.89 9.21 3.91 3.22 1.1.1 Saving A/c 2.33 13.65 3.10 2.48 15.73 4.57 3.10 1.47 1.1.2 Fixed A/c 10.34 11.24 15.08 5.85 16.16 4.64 0.81 0.48 1.1.2.1 Upto 3 Months Fixed A/ 0.01 0.16 0.36 0.29 2.11 0.08 1.1.2.2 3 to 6 Months fixed A/ 0.04 1.09 0.31 0.28 2.35 0.01 0.05 1.1.2.3 6 Months to 1 Year Fixed A/ 9.24 4.57 4.35 2.44 3.03 3.67 0.49 0.14 1.1.2.4 Above 1 Yea 1.05 5.42 10.06 2.85 8.66 0.88 0.33 0.30 1.1.3 Call Deposit 1.11 3.34 1.27 1.1.4 Certificate of Deposits 1.2 Others 3.16 1.30 1.57 2 Commission/Fee Expense 3 Employees Expenses 1.51 2.46 3.63 3.16 2.58 1.61 1.72 0.88 4 Office Operatiing Expenses 1.68 4.24 4.34 3.19 2.05 1.60 0.78 1.21 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 0.83 0.62 0.73 1.74 0.38 0.14 7.1 Loan loss Provision 0.67 0.62 0.73 1.74 0.38 0.14 7.1.1 General Loan loss Provision 0.62 1.70 0.10 0.14 7.1.2 Special Loan Loss Provision 0.70 0.04 0.19 7.1.3 Additional Loan Loss Provision 0.67 0.03 0.09 7.2. Provision for Non‐Banking Assets 0.16 7.3. Provision for Loss on Investment 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus 0.60 10 Provision for Income Tax ‐0.01 1.79 11 Others 12 Net Profit 3.52 4.17 3.37 3.19 1.50 TOTAL EXPENSES 23.36 33.51 27.99 19.74 44.64 16.16 9.60 6.96

Income 1. Interest Income 22.79 28.09 26.19 14.38 43.58 14.37 8.67 6.66 1.1. On Loans and Advance 20.78 26.58 26.19 12.45 31.07 12.25 6.41 2.27 1.2. On Investment 0.40 0.15 0.09 0.01 0.02 1.2.1 Government Bonds 0.40 0.15 0.09 0.02 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 0.01 1.2.4 Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 1.77 5.64 2.25 4.37 1.5 Others 1.61 1.51 0.00 6.78 2.12 2. Comission & Discount 0.57 1.28 0.06 0.63 0.38 0.02 0.94 0.31 2.1 Bills Purchase & Discount 2.2 Comission 0.48 0.06 0.63 0.38 0.02 0.00 2.3 Others 0.57 0.80 0.94 0.30 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans 4 Other Operating Income 1.41 0.91 0.68 0.83 5 Non Operating Income 6 Provision Written Back 1.50 0.94 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss 4.14 0.33 2.33 TOTAL INCOME 23.36 33.51 27.99 19.74 44.64 16.16 9.60 6.96

55 Profit and Loss Account of Micro Credit Development Banks

Expenses RMDC MGBB SPGBB PAGBB PUGBB MPGBB MPGBB NIRDHAN 1 Interest Expenses 4.56 23.60 16.96 69.62 22.30 1.1 Deposit Liabilities 0.15 3.41 1.81 15.39 1.1.1 Saving A/c 0.15 3.41 1.44 15.33 1.1.2 Fixed A/c 0.38 0.06 1.1.2.1 Upto 3 Months Fixed A/ 1.1.2.2 3 to 6 Months fixed A/ 1.1.2.3 6 Months to 1 Year Fixed A/ 0.06 1.1.2.4 Above 1 Yea 0.38 1.1.3 Call Deposit 1.1.4 Certificate of Deposits 1.2 Others 4.42 20.19 15.14 54.23 22.30 2 Commission/Fee Expense 3 Employees Expenses 8.79 19.51 16.16 61.55 6.51 4 Office Operatiing Expenses 1.41 4.99 7.18 13.85 1.31 5 Exchange Fluctuation Loss 5.1 Due to Change in Exchange Rates 5.2 Due to Foreign Currency Transactions 6 Non‐Operatiing Expenses 7. Provision for Risk 0.37 50.73 2.97 7.1 Loan loss Provision 0.37 50.73 2.97 7.1.1 General Loan loss Provision 50.73 0.95 7.1.2 Special Loan Loss Provision 0.37 2.03 7.1.3 Additional Loan Loss Provision 7.2. Provision for Non‐Banking Assets 7.3. Provision for Loss on Investment 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus 5.83 10 Provision for Income Tax 17.50 11 Others 12 Net Profit 4.73 21.05 44.92 TOTAL EXPENSES 15.12 98.83 45.03 169.04 98.38

Income 1. Interest Income 6.77 59.63 42.08 145.45 92.41 1.1. On Loans and Advance 5.21 59.63 38.16 132.97 49.32 1.2. On Investment 0.92 0.85 0.28 1.2.1 Government Bonds 0.28 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 0.85 1.2.4 Deventure & Bonds 0.92 1.3 Agency Balance 1.4 On Call Deposit 2.94 11.63 6.58 1.5 Others 0.64 0.98 36.23 2. Comission & Discount 0.22 2.1 Bills Purchase & Discount 2.2 Comission 2.3 Others 0.22 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans 4 Other Operating Income 6.97 2.80 13.03 3.06 5 Non Operating Income 10.56 6 Provision Written Back 0.18 0.01 0.15 2.91 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss 7.96 32.22 TOTAL INCOME 15.12 98.83 45.03 169.04 98.38

56 Expenses an Summit NERUDE DIPROSC CHHIMEK Sanakisan Naya Nepal Swabalamb 1 Interest Expenses 16.82 77.84 50.65 35.24 19.69 2.35 3.78 1.1 Deposit Liabilities 0.01 39.11 21.93 6.91 0.24 0.65 1.1.1 Saving A/c 0.01 39.11 21.93 6.91 0.24 0.65 1.1.2 Fixed A/c 1.1.2.1 Upto 3 Months Fixed A/ 1.1.2.2 3 to 6 Months fixed A/ 1.1.2.3 6 Months to 1 Year Fixed A/ 1.1.2.4 Above 1 Yea 1.1.3 Call Deposit 1.1.4 Certificate of Deposits 1.2 Others 16.82 38.74 28.72 35.24 12.78 2.11 3.13 2 Commission/Fee Expense 6.91 0.01 3 Employees Expenses 20.14 34.82 64.85 5.01 16.28 1.22 2.39 4 Office Operatiing Expenses 6.53 14.94 12.63 2.29 2.80 0.37 0.92 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 2.61 1.52 4.84 3.06 1.40 0.21 0.05 7.1 Loan loss Provision 2.61 1.52 4.84 3.06 1.40 0.21 0.05 7.1.1 General Loan loss Provision 2.61 1.35 4.84 3.06 0.41 0.08 0.03 7.1.2 Special Loan Loss Provision 0.17 1.00 0.13 0.02 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 2.59 3.33 10 Provision for Income Tax 7.77 9.99 11 Others 12 Net Profit 37.76 34.28 19.09 23.30 12.55 1.35 1.65 TOTAL EXPENSES 83.86 163.40 162.40 89.12 52.73 5.50 8.78

Income 1. Interest Income 78.89 121.35 160.21 87.92 46.68 4.32 6.88 1.1. On Loans and Advance 76.39 121.27 149.96 73.23 46.02 3.28 6.88 1.2. On Investment 1.2.1 Government Bonds 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 1.2.4 Deventure & Bonds 1.3 Agency Balance 1.04 1.4 On Call Deposit 2.16 9.94 11.09 1.5 Others 0.34 0.08 0.31 3.60 0.65 2. Comission & Discount 4.75 1.67 0.09 2.1 Bills Purchase & Discount 2.2 Comission 0.67 0.01 2.3 Others 4.75 1.00 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 0.23 39.81 2.19 6.05 1.17 1.90 5 Non Operating Income 6 Provision Written Back 0.58 1.12 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss TOTAL INCOME 83.86 163.40 162.40 89.12 52.73 5.50 8.78

57 Expenses First Kalika Mithila Nagbeli Nagbeli Mirmire Sworojgar Janautthan 1 Interest Expenses 4.56 17.76 0.86 0.21 0.18 1.1 Deposit Liabilities 0.72 0.11 0.00 0.05 1.1.1 Saving A/c 0.72 0.11 0.00 0.05 1.1.2 Fixed A/c 1.1.2.1 Upto 3 Months Fixed A/ 1.1.2.2 3 to 6 Months fixed A/ 1.1.2.3 6 Months to 1 Year Fixed A/ 1.1.2.4 Above 1 Yea 1.1.3 Call Deposit 1.1.4 Certificate of Deposits 1.2 Others 3.83 17.76 0.75 0.21 0.12 2 Commission/Fee Expense 3 Employees Expenses 1.41 1.13 0.70 1.42 0.30 4 Office Operatiing Expenses 1.17 1.41 0.64 0.28 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 0.49 0.55 0.07 1.33 7.1 Loan loss Provision 0.46 0.55 0.07 1.33 7.1.1 General Loan loss Provision 0.33 0.55 0.07 0.14 7.1.2 Special Loan Loss Provision 0.13 1.19 7.1.3 Additional Loan Loss Provision 7.2. Provision for Non‐Banking Assets 7.3. Provision for Loss on Investment 0.03 7.4. Provision for Loss of Other Assets 8 Loan Written Off 9 Provision for Staff Bonus 0.54 10 Provision for Income Tax 1.61 11 Others 12 Net Profit 0.77 3.76 0.53 0.15 TOTAL EXPENSES 8.39 26.77 2.80 1.78 2.07

Income 1. Interest Income 7.36 24.50 2.21 1.59 0.70 1.1. On Loans and Advance 6.09 14.38 2.16 0.76 0.64 1.2. On Investment 1.2.1 Government Bonds 1.2.2 Foreign Bonds 1.2.3 NRB Bonds 1.2.4 Deventure & Bonds 1.3 Agency Balance 1.4 On Call Deposit 1.26 10.12 0.05 0.83 0.06 1.5 Others 0.01 2. Comission & Discount 0.06 0.19 2.1 Bills Purchase & Discount 2.2 Comission 0.06 2.3 Others 0.19 3 Income From Exchange Fluctuation 3.1 Due to Change in Exchange Rate 3.2 Due to Foreign Currency Trans 4 Other Operating Income 0.91 2.27 0.53 0.20 5 Non Operating Income 6 Provision Written Back 0.12 7 Recovery from Written off Loan 8 Income from Extra Ordinary Expenses 9 Net Loss 1.17 TOTAL INCOME 8.39 26.77 2.80 1.78 2.07

58 Statement of Credit of Commercial Banks

Sector wise credit EBL HBL NBL RBB NBB BOK NIBL NSBI NABIL SCBNL

1 Agricultural and Forest Related 276.87 641.48 332.31 309.42 616.88 646.98 455.02 47.90 1183.58 140.95 2 Fishery Related 23.16 1.88 3 Mining Related 43.48 695.02 20.19 24.25 25.36 4.89 300.00 4 Manufacturing (Producing) Related 4589.00 5419.86 11705.24 14224.19 2721.33 11845.47 4576.58 2274.63 5390.73 4912.62 5 Construction 2645.66 3821.06 5074.90 1563.56 3940.29 1309.53 2823.33 2459.62 4245.82 1446.96 6 Electricity,Gas and Water 273.80 301.13 134.93 225.49 23.01 667.73 195.86 6.33 461.87 827.23 7 Metal Products, Machinary & Electronic Equipment & Assemblage 46.74 863.51 469.64 348.79 255.25 32.61 466.13 156.47 611.43 248.21 Transport, Communication and Public 8 Utilities 941.68 1593.11 3986.15 1009.76 17.46 1581.26 792.25 355.76 3105.51 157.83 9 Wholesaler & Retailer 5344.47 8654.09 9160.60 6043.15 2737.73 4673.75 6987.08 1946.09 11093.66 4070.86 10 Finance, Insurance and Real Estate 846.45 2086.66 3073.10 5605.87 1282.66 4993.77 565.11 636.61 2545.98 2226.66 11 Hotel or Restaurant 364.06 629.57 1108.55 2204.36 42.11 789.28 291.15 487.12 706.00 161.29 12 Other Services 388.99 1460.33 2431.37 2473.34 127.39 2547.88 266.40 478.10 915.98 1085.08 13 Consumption Loans 7720.11 6329.96 250.46 1425.97 3418.21 803.30 305.21 544.86 1841.70 1252.64 14 Local Government 216.85 138.81 255.20 15 Others 3238.78 2079.66 2837.87 6273.17 2716.98 4187.48 4193.09 1235.50 882.67 1004.79 TOTAL 26720.10 34815.45 40585.29 41731.33 18038.09 34334.24 21917.22 10656.23 32989.82 17835.13

Product wise credit 1 Term Loan 5998.80 4518.33 5684.46 5730.97 693.35 5166.40 1177.10 1578.09 5017.58 2515.30 2 Overdraft 2971.30 5047.32 9000.00 9505.91 1939.61 4985.80 914.54 2809.21 2344.19 4237.16 3 Trust Receipt Loan / Import Loan 1009.00 1416.57 3562.41 4963.91 1016.72 4274.55 1695.23 821.93 1954.44 842.53 4 Demand & Other Working Capital Loan 4587.30 8424.08 5982.64 7981.93 3946.30 7861.18 9539.20 1412.51 11299.08 3720.58 Residential Personal Home Loan (Up to 5 Rs. 80 Lakh) 1828.10 2665.90 2321.99 728.38 2730.80 1303.22 2091.47 487.98 3462.35 1229.21 6 Real Estate Loan 318.10 1738.13 4900.97 8784.30 1840.44 3699.58 1731.86 899.60 2302.10 1706.05 7 Margin Nature Loan 863.30 259.54 60.63 952.72 2.10 0.14 77.65 128.66 8 Hire Purchase Loan 1832.00 833.49 4111.55 1452.49 3326.21 1681.49 425.46 1187.79 4432.74 1327.69 9 Deprived Sector Loan 422.90 1062.84 1052.14 950.69 493.70 857.16 711.28 320.63 924.28 677.39 10 Bills Purchased 15.20 80.89 95.93 92.58 1199.78 2494.28 12.87 53.77 39.51 850.38 11 Other Product 6874.10 8768.36 3873.20 1479.56 851.19 1057.87 3616.11 1084.58 1135.90 600.18 TOTAL LOAN & ADVANCES 26720.10 34815.45 40585.29 41731.33 18038.09 34334.24 21917.22 10656.23 32989.82 17835.13

Security wise credit 1 Gold and Silver 5816.10 6088.07 33.74 1015.99 114.47 2 Government Securities 671.55 516.57 81.17 0.84 1222.33 5.54 1.80 57.53 27.11 3 Non Governmental Securities 11.20 157.27 87.56 952.95 2.10 928.90 2.20 4 Fixed Deposit Receipts 147.09 458.13 536.47 151.01 418.32 322.98 885.90 261.50 855.28 564.90 4.1 Own 144.48 302.81 489.47 151.01 104.59 322.62 885.90 261.50 854.79 560.40 4.2 Other Licences Institutions 2.61 155.32 47.00 313.74 0.36 0.00 0.49 4.50 5 Collateral of Properties 16386.42 26576.23 31030.19 36081.23 13640.79 29614.79 19219.59 8985.83 29931.37 15756.87 5.1 Fixed Assets 13570.30 26448.18 23598.16 30692.68 11826.95 27966.64 15935.37 8458.19 11946.05 13001.10 5.2 Current Assets 2816.11 128.05 7432.03 5388.55 1813.85 1648.15 3284.22 527.64 17985.31 2755.78 6 Against security of Bill 453.46 217.05 3416.01 138.35 2494.28 327.34 109.30 107.72 927.46 6.1 Domestic Bills 19.73 48.11 76.93 140.16 48.10 13.15 6.2 Foreign Bills 453.46 197.32 3367.90 138.35 2417.35 187.17 61.20 94.57 927.46 7 Against Guarantee 621.13 267.86 55.64 536.04 274.01 873.16 690.30 990.18 460.38 541.84 7.1 Government Guarantee 337.44 11.51 368.27 138.81 156.12 91.30 217.83 2.17 7.2 Institutional Guarantee 255.57 241.33 151.75 135.20 436.18 351.69 125.92 98.17 7.3 Personal Guarantee 27.05 12.51 4.84 15.31 0.00 547.19 33.30 7.4 Collective Guarantee 1.07 2.51 1.96 0.00 0.01 International Rated Foreign Bank's 7.5 Guarantee 12.01 98.00 7.6 Other Guarantee 48.84 0.70 861.15 83.34 441.50 8 Credit Card 151.02 64.68 108.06 70.55 14.75 9 Others 2613.15 534.27 5281.06 3655.63 2374.57 790.19 194.96 648.65 Total 26720.10 34815.45 40585.29 41731.33 18038.09 34334.24 21917.22 10656.23 32989.82 17835.13

59 Sector wise credit NIC SBL NCC MBL Laxmi Global ADBNL Kumari Citizens Lumbini 1 Agricultural and Forest Related 254.98 859.17 176.87 62.97 438.05 55.90 260.17 8117.17 32.41 71.84 2 Fishery Related 1673.36 0.50 3 Mining Related 48.59 809.06 81.29 0.00 2.51 19.25 4 Manufacturing (Producing) Related 1900.47 4821.43 668.04 3086.65 3149.99 3952.40 3399.06 5011.79 3265.84 2608.85 5 Construction 1020.84 2017.83 745.07 1073.94 2020.42 3269.06 2260.72 2451.11 1064.99 757.67 6 Electricity,Gas and Water 285.71 149.86 183.95 853.35 276.55 412.44 3.79 16.50 805.00 7 Metal Products, Machinary & Electronic Equipment & Assemblage 249.26 8.35 1.96 121.03 543.53 34.59 76.56 161.92 123.57 76.92 Transport, Communication and Public 8 Utilities 599.71 280.26 223.90 570.73 791.14 835.06 902.61 196.93 99.97 202.92 9 Wholesaler & Retailer 1593.75 2687.46 1605.39 2536.70 2138.21 2609.87 2670.74 10877.54 2841.17 1135.43 10 Finance, Insurance and Real Estate 1733.64 1798.17 331.26 1820.95 2466.16 3338.29 3093.81 564.23 912.24 2681.56 11 Hotel or Restaurant 236.84 98.78 645.29 110.26 375.96 38.81 274.32 967.34 537.31 143.28 12 Other Services 202.80 274.99 249.59 587.43 878.80 511.75 1030.37 2462.25 299.17 657.79 13 Consumption Loans 898.33 920.24 34.28 333.11 690.29 552.54 146.11 411.89 370.55 769.26 14 Local Government 57.29 134.63 135.05 15 Others 437.83 1391.78 1612.76 2476.51 1875.62 352.19 3658.34 7135.27 4005.02 2113.95 TOTAL 9414.16 15308.32 6535.66 13682.23 16177.25 15961.63 18401.60 40034.59 13571.75 12043.73

Product wise credit 1 Term Loan 817.23 821.07 763.97 2280.67 2488.60 2656.78 3276.18 17135.93 932.68 2699.31 2 Overdraft 2964.27 950.43 708.12 2978.09 4548.99 2389.55 4512.98 4833.35 3314.98 2349.01 3 Trust Receipt Loan / Import Loan 438.92 1428.99 110.05 1103.99 463.57 668.39 679.50 826.34 287.05 4 Demand & Other Working Capital Loan 1031.39 4234.17 1310.17 926.20 2980.88 4091.59 2557.18 13136.83 3715.91 1343.12 Residential Personal Home Loan (Up to 5 Rs. 80 Lakh) 561.97 1467.75 127.07 508.84 1163.82 606.40 700.69 1716.39 340.34 368.60 6 Real Estate Loan 1516.37 1785.45 927.00 2756.59 2999.72 3187.54 4346.95 644.06 2552.80 2561.06 7 Margin Nature Loan 127.61 267.26 73.63 31.81 309.99 149.89 495.15 361.12 71.68 8 Hire Purchase Loan 792.57 943.35 442.73 917.32 592.50 464.88 902.01 112.31 937.75 967.15 9 Deprived Sector Loan 311.55 469.77 164.05 479.33 498.52 466.48 557.60 2265.02 351.87 335.62 10 Bills Purchased 20.42 2.18 0.36 39.51 47.14 586.65 225.07 4.77 70.70 11 Other Product 831.86 2937.91 1908.51 1659.89 83.51 693.47 148.29 190.71 233.20 990.43 TOTAL LOAN & ADVANCES 9414.16 15308.32 6535.66 13682.23 16177.25 15961.63 18401.60 40034.59 13571.75 12043.73

Security wise credit 1 Gold and Silver 386.69 13.92 6.26 1.00 13.28 317.78 2 Government Securities 3.59 57.29 0.96 3 Non Governmental Securities 227.62 292.06 41.04 39.13 161.28 14.80 98.40 66.71 4 Fixed Deposit Receipts 197.36 162.40 37.95 247.89 107.32 75.90 349.57 352.48 1.67 138.61 4.1 Own 197.36 162.40 37.95 181.80 107.32 75.90 349.32 352.48 1.67 129.15 4.2 Other Licences Institutions 66.08 0.25 9.46 5 Collateral of Properties 7871.82 14266.91 5698.98 12877.29 15420.32 15144.92 16534.86 39682.11 3085.60 10136.39 5.1 Fixed Assets 6311.86 9108.10 5589.72 9684.61 14397.10 11117.23 11845.71 39682.11 2229.98 7625.10 5.2 Current Assets 1559.96 5158.82 109.27 3192.68 1023.22 4027.69 4689.15 855.62 2511.29 6 Against security of Bill 8.86 3.51 274.00 56.59 20.54 1.25 197.86 6.1 Domestic Bills 0.86 54.94 10.35 10.74 6.2 Foreign Bills 8.86 2.65 274.00 1.65 10.19 1.25 187.12 7 Against Guarantee 363.77 459.60 124.11 413.49 238.08 146.75 565.30 79.08 7.19 7.1 Government Guarantee 71.84 139.16 129.84 0.77 134.60 135.05 7.19 7.2 Institutional Guarantee 233.40 320.44 90.69 250.62 237.31 430.25 7.3 Personal Guarantee 58.23 0.02 33.03 12.14 41.00 7.4 Collective Guarantee 4.90 International Rated Foreign Bank's 7.5 Guarantee 0.30 7.6 Other Guarantee 33.40 33.18 8 Credit Card 11.22 18.59 9 Others 358.04 106.32 302.28 41.60 228.70 568.60 935.83 10288.41 1179.18 Total 9414.16 15308.32 6535.66 13682.23 16177.25 15961.63 18401.60 40034.59 13571.75 12043.73

60 Sector wise credit Kist Civil BOA NMB DCBL Mega Prime Janata CTBNL Sunrise Century 1 Agricultural and Forest Related 214.73 74.40 17.68 164.14 151.92 567.44 51.80 6.30 136.20 15.37 55.25 2 Fishery Related 3 Mining Related 254.04 148.61 160.33 73.32 9.98 70.15 27.93 4 Manufacturing (Producing) Related 2980.71 1915.22 2945.00 1988.44 3227.67 971.66 1934.93 1831.50 697.03 1539.70 358.81 5 Construction 1143.61 1991.17 525.48 674.50 1333.97 1939.68 145.22 489.46 193.27 289.12 312.11 6 Electricity,Gas and Water 750.01 496.56 128.41 2.77 99.30 274.08 37.18 253.06 26.34 55.00 7 Metal Products, Machinary & Electronic Equipment & Assemblage 39.43 604.31 79.12 88.28 448.65 66.03 335.13 529.60 290.38 155.41 1.45 Transport, Communication and Public 8 Utilities 270.97 1833.70 488.54 1010.76 724.94 893.82 121.49 1260.77 466.27 63.32 9.37 9 Wholesaler & Retailer 2345.21 2079.33 2148.66 1149.46 1750.15 2164.02 599.77 1101.32 602.45 1213.12 369.62 10 Finance, Insurance and Real Estate 2903.85 1491.26 3624.95 2594.01 1323.92 2898.17 393.59 409.10 40.94 449.71 103.91 11 Hotel or Restaurant 139.51 155.55 225.93 346.50 107.56 1002.57 248.49 354.71 108.47 255.09 7.63 12 Other Services 533.81 384.25 721.24 552.68 1066.83 1185.47 269.38 204.89 135.06 428.14 89.61 13 Consumption Loans 455.53 251.04 933.74 68.75 771.77 169.49 315.49 386.71 42.10 29.51 146.57 14 Local Government 77.19 15 Others 5822.37 517.15 817.07 827.89 469.81 1491.56 221.91 207.77 357.17 21.79 76.66 TOTAL 17853.77 12019.74 12816.17 9541.50 11476.50 13623.99 4647.18 6889.47 3350.33 4486.61 1585.99

Product wise credit 1 Term Loan 2453.56 1464.80 1756.06 1421.51 1475.50 2959.17 725.90 567.34 422.28 231.02 197.25 2 Overdraft 4880.81 2449.09 2148.32 824.68 636.08 3754.00 964.39 417.32 914.13 1325.99 692.79 3 Trust Receipt Loan / Import Loan 160.26 227.68 1022.98 494.18 507.16 28.45 439.07 701.49 252.62 472.08 145.86 4 Demand & Other Working Capital Loan 476.76 1937.43 2659.44 2823.87 2118.88 1453.16 1553.39 3191.87 1122.90 1558.12 120.17 Residential Personal Home Loan (Up to 5 Rs. 80 Lakh) 587.00 583.16 393.45 88.82 679.29 430.77 102.26 70.56 20.55 46.75 159.12 6 Real Estate Loan 3984.15 2478.15 2883.48 2548.53 1546.18 2764.50 232.13 188.52 158.88 354.24 155.76 7 Margin Nature Loan 711.35 114.85 122.17 276.11 307.15 425.83 96.45 212.56 15.92 59.03 8 Hire Purchase Loan 526.48 1598.87 823.92 188.44 1168.35 1026.05 213.88 847.10 133.19 46.65 54.56 9 Deprived Sector Loan 610.21 390.73 385.05 285.89 354.11 410.14 88.89 125.56 10.30 10 Bills Purchased 23.44 10.40 8.92 55.74 730.44 18.64 1.43 98.77 43.92 11 Other Product 3439.76 764.58 612.36 533.73 1953.34 353.27 229.38 779.71 4.15 391.91 1.45 TOTAL LOAN & ADVANCES 17853.77 12019.74 12816.17 9541.50 11476.50 13623.99 4647.18 6889.47 3350.33 4486.61 1585.99

Security wise credit 1 Gold and Silver 2570.03 434.75 88.97 17.31 10.00 2 Government Securities 0.04 3 Non Governmental Securities 737.74 114.85 345.28 440.25 111.45 37.18 15.92 59.03 4 Fixed Deposit Receipts 139.03 138.83 89.56 26.48 83.90 193.96 0.85 48.47 5.45 13.88 22.98 4.1 Own 139.03 134.34 89.56 26.48 83.90 193.96 0.85 48.47 5.45 13.88 4.2 Other Licences Institutions 4.49 22.98 5 Collateral of Properties 13680.16 11679.97 11417.29 8874.86 10587.42 12370.06 4263.00 6527.68 3020.74 4379.30 1493.98 5.1 Fixed Assets 13584.86 8678.01 8905.91 7196.14 7674.02 12343.31 2875.20 3687.18 942.37 2729.72 827.30 5.2 Current Assets 95.30 3001.96 2511.38 1678.72 2913.40 26.75 1387.80 2840.50 2078.37 1649.57 666.68 6 Against security of Bill 8.90 7.05 30.18 17.00 67.81 26.10 98.77 60.20 6.1 Domestic Bills 8.90 0.80 15.22 43.92 6.2 Foreign Bills 7.05 30.18 16.20 52.59 26.10 98.77 16.28 7 Against Guarantee 562.68 77.19 352.35 102.68 299.01 503.00 6.99 10.30 7.1 Government Guarantee 117.80 77.19 52.81 34.91 7.2 Institutional Guarantee 444.28 352.35 102.65 191.59 270.41 10.30 7.3 Personal Guarantee 0.59 0.03 52.27 192.12 7.4 Collective Guarantee 2.34 5.56 6.99 International Rated Foreign Bank's 7.5 Guarantee 7.6 Other Guarantee 8 Credit Card 9 Others 164.14 522.22 530.43 130.67 99.71 115.09 243.06 215.08 Total 17853.77 12019.74 12816.17 9541.50 11476.50 13623.99 4647.18 6889.47 3350.33 4486.61 1585.99

61 Statement of Credit of Development Banks

Sector wise credit PDBL NIDC SDBL UDBL MDBL Malika Narayani Sahayogi Pashupati Uddhyam 1 Agricultural and Forest Related 19.63 17.09 24.41 185.41 24.15 26.92 9.90 261.18 17.73 47.42 2 Fishery Related 4.05 2.15 2.09 0.10 3 Mining Related 20.56 14.14 4 Manufacturing (Producing) Related 698.92 16.56 235.85 280.01 0.30 165.41 27.26 110.75 12.74 177.99 5 Construction 23.15 35.78 343.21 4.13 738.31 69.16 170.68 118.76 48.06 6 Electricity,Gas and Water 29.65 1.20 14.81 9.00 1.54 7 Metal Products, Machinary & Electronic Equipment & Assemblage 4.01 175.33 16.33 0.68 0.01 Transport, Communication and Public 8 Utilities 19.04 72.80 315.09 1.78 51.78 182.14 8.93 42.38 9 Wholesaler & Retailer 66.26 37.83 413.41 489.08 19.74 545.68 222.44 221.89 201.47 143.23 10 Finance, Insurance and Real Estate 104.90 15.22 15.00 523.36 310.70 119.30 134.00 174.33 11 Hotel or Restaurant 398.26 13.55 5.27 285.06 159.77 19.12 34.84 1.45 12 Other Services 44.70 8.13 35.54 246.91 59.07 28.75 52.55 24.85 13 Consumption Loans 3.21 1.98 28.75 397.35 314.86 75.94 35.01 14.26 25.85 14 Local Government 1.50 15 Others 8.78 21.41 173.85 138.91 18.95 97.35 140.40 204.00 249.69 136.09 TOTAL 1378.33 173.95 1045.91 3417.22 69.05 2441.22 735.28 1401.65 676.90 824.70

Product wise credit 1 Term Loan 911.61 10.98 50.26 771.84 189.44 35.75 167.97 62.75 2 Overdraft 60.12 65.88 255.22 140.40 399.39 185.06 3 Trust Receipt Loan / Import Loan 4 Demand & Other Working Capital Loan 260.89 1.75 749.01 837.96 935.93 222.44 210.01 286.37 Residential Personal Home Loan (Up to 5 Rs. 80 Lakh) 6.27 18.77 35.78 4.13 73.16 62.71 38.61 95.21 42.63 6 Real Estate Loan 101.70 15.22 796.07 586.72 119.30 233.55 23.00 157.39 7 Margin Nature Loan 2.44 106.02 285.16 65.58 0.89 0.08 8 Hire Purchase Loan 20.60 15.43 98.57 371.73 1.78 32.68 51.77 139.08 8.76 58.77 9 Deprived Sector Loan 5.59 32.24 98.73 2.10 64.61 20.49 57.28 20.12 10 Bills Purchased 16.80 30.88 11 Other Product 17.14 40.33 77.62 434.86 61.04 1.51 16.86 364.87 319.81 0.77 TOTAL LOAN & ADVANCES 1378.33 173.95 1045.91 3417.22 69.05 2441.22 735.28 1401.65 676.90 824.70

Security wise credit 1 Gold and Silver 2 Government Securities 16.00 3 Non Governmental Securities 106.02 278.30 65.58 0.89 4 Fixed Deposit Receipts 0.86 13.26 95.48 3.97 10.36 18.46 14.26 0.77 4.1 Own 0.86 13.26 95.48 3.97 10.36 18.46 14.26 0.77 4.2 Other Licences Institutions 5 Collateral of Properties 172.69 1015.16 3169.04 40.77 2089.52 656.62 1366.51 660.64 793.85 5.1 Fixed Assets 172.69 1015.16 3169.04 40.77 2089.52 656.62 1366.20 660.64 793.85 5.2 Current Assets 0.31 6 Against security of Bill 6.1 Domestic Bills 6.2 Foreign Bills 7 Against Guarantee 0.40 1.20 30.68 28.28 34.61 2.72 15.79 29.99 7.1 Government Guarantee 0.40 2.72 1.50 7.2 Institutional Guarantee 30.68 34.61 20.00 7.3 Personal Guarantee 28.28 14.90 8.49 7.4 Collective Guarantee 1.20 0.89 International Rated Foreign Bank's 7.5 Guarantee 7.6 Other Guarantee 8 Credit Card 9 Others 16.29 34.82 2.01 0.08 Total 173.95 1045.91 3417.22 69.05 2441.22 735.28 1401.65 676.90 824.70

62 a a

Sector wise credit ori nkar Karnali Triveni Sanima Gurkha Bhrikuti Gandaki Bageshw Gaurisha Suvekchh Annapurn 1 Agricultural and Forest Related 84.02 280.12 53.47 65.29 15.21 17.88 1.63 22.19 11.50 39.07 2 Fishery Related 1.17 0.08 2.15 3 Mining Related 12.79 1.00 3.61 3.70 33.81 2.38 4 Manufacturing (Producing) Related 47.25 108.87 28.74 226.74 6.24 62.40 931.99 30.20 43.43 52.06 5 Construction 42.81 165.41 56.55 72.63 123.57 1220.56 84.15 66.50 130.00 6 Electricity,Gas and Water 354.67 7 Metal Products, Machinary & Electronic Equipment & Assemblage 18.95 1.60 13.02 26.27 2.87 10.65 Transport, Communication and Public 8 Utilities 50.39 195.57 72.30 250.35 159.74 111.77 719.89 60.70 116.21 130.66 9 Wholesaler & Retailer 167.22 141.56 254.72 803.26 439.14 452.03 848.08 38.37 363.37 317.30 10 Finance, Insurance and Real Estate 19.94 217.69 703.33 36.24 1355.39 50.66 11 Hotel or Restaurant 16.80 227.79 0.11 69.10 81.74 4.31 35.10 49.45 12 Other Services 112.93 53.34 16.73 254.19 14.28 54.06 477.77 22.04 88.01 43.91 13 Consumption Loans 13.90 18.94 16.75 21.84 51.38 11.89 475.75 15.97 254.17 40.88 14 Local Government 0.23 15 Others 510.72 328.86 232.16 28.89 58.23 497.53 282.32 949.77 389.37 TOTAL 518.52 1542.99 1276.44 1853.83 788.79 977.56 6339.22 603.14 3317.24 1258.54

Product wise credit 1 Term Loan 214.47 96.14 96.59 72.49 179.85 1108.88 189.44 47.49 42.22 2 Overdraft 394.28 1144.56 269.89 513.59 1190.19 201.55 638.58 509.30 3 Trust Receipt Loan / Import Loan 18.15 4 Demand & Other Working Capital Loan 43.61 924.16 700.94 1.20 569.82 12.16 Residential Personal Home Loan (Up to 5 Rs. 80 Lakh) 102.10 43.24 156.11 66.58 106.98 311.86 53.70 66.38 104.69 6 Real Estate Loan 42.81 159.05 218.60 98.01 80.55 18.87 1552.70 35.11 1395.41 105.72 7 Margin Nature Loan 48.01 55.99 239.29 8 Hire Purchase Loan 50.39 200.75 26.83 257.34 192.78 111.77 809.96 54.49 75.38 141.38 9 Deprived Sector Loan 24.11 64.61 36.45 70.17 28.89 26.19 187.79 43.62 19.33 35.09 10 Bills Purchased 0.10 11 Other Product 186.74 464.32 27.05 31.05 29.59 20.30 420.90 24.03 265.55 307.98 TOTAL LOAN & ADVANCES 518.52 1542.99 1276.44 1853.83 788.79 977.56 6339.22 603.14 3317.24 1258.54

Security wise credit 1 Gold and Silver 0.04 12.22 2 Government Securities 3 Non Governmental Securities 239.29 4 Fixed Deposit Receipts 13.90 68.69 12.78 14.85 18.34 11.85 145.96 7.98 14.87 17.86 4.1 Own 13.90 68.69 12.78 14.85 18.34 11.85 145.96 7.98 14.87 17.86 4.2 Other Licences Institutions 5 Collateral of Properties 504.62 1165.61 1233.80 1838.98 770.45 965.68 5925.42 588.83 3047.80 1228.46 5.1 Fixed Assets 504.62 855.96 1233.80 1838.98 770.45 965.68 5925.42 588.83 3047.80 1228.46 5.2 Current Assets 309.65 6 Against security of Bill 6.1 Domestic Bills 6.2 Foreign Bills 7 Against Guarantee 3.70 6.23 5.60 7.1 Government Guarantee 3.70 7.2 Institutional Guarantee 7.3 Personal Guarantee 6.23 0.01 7.4 Collective Guarantee 5.59 International Rated Foreign Bank's 7.5 Guarantee 7.6 Other Guarantee 8 Credit Card 9 Others 308.69 26.16 261.60 0.73 15.27 Total 518.52 1542.99 1276.44 1853.83 788.79 977.56 6339.22 603.14 3317.24 1258.54

63 Sector wise credit ture Excel H & B NDEP WDBL Miteri CEDBL Araniko Business Biratlaxmi Infrastruc 1 Agricultural and Forest Related 27.20 5.94 116.67 83.63 1.81 40.22 21.61 124.91 103.47 15.48 2 Fishery Related 0.73 0.06 0.80 3 Mining Related 0.34 4.17 4 Manufacturing (Producing) Related 134.69 28.76 116.20 53.63 11.07 229.72 6.87 129.52 434.60 9.40 5 Construction 220.25 261.46 99.26 1.50 17.43 1227.11 72.67 591.41 302.08 47.89 6 Electricity,Gas and Water 19.27 1.47 375.24 7 Metal Products, Machinary & Electronic Equipment & Assemblage 0.13 75.16 4.86 38.73 6.36 11.39 335.45 0.25 Transport, Communication and Public 8 Utilities 61.36 507.30 37.19 73.89 444.28 58.84 159.39 455.26 33.63 9 Wholesaler & Retailer 547.56 191.23 479.97 426.67 106.42 1111.62 55.29 352.27 580.94 97.91 10 Finance, Insurance and Real Estate 194.59 110.25 475.25 16.43 434.79 702.50 29.18 11 Hotel or Restaurant 31.85 26.95 43.21 16.77 124.22 7.87 118.34 78.93 6.94 12 Other Services 57.08 22.68 48.22 69.94 32.89 413.02 3.50 542.05 32.43 16.73 13 Consumption Loans 34.89 40.05 83.23 112.89 12.62 223.08 11.80 517.66 78.37 95.33 14 Local Government 1.50 15 Others 529.58 184.92 500.00 158.00 112.92 986.24 93.75 611.24 441.09 107.51 TOTAL 1644.61 1539.37 1443.56 1101.78 385.81 5337.66 356.50 3592.97 3920.37 462.55

Product wise credit 1 Term Loan 133.04 181.62 337.03 27.92 124.03 260.63 64.82 445.32 688.97 16.27 2 Overdraft 976.68 203.96 570.66 271.71 136.61 929.90 132.85 1184.17 1107.76 88.24 3 Trust Receipt Loan / Import Loan 4 Demand & Other Working Capital Loan 186.79 519.97 10.85 1086.36 9.71 470.58 3.20 Residential Personal Home Loan (Up to 5 Rs. 80 Lakh) 56.14 261.46 99.26 41.92 17.43 511.64 44.02 183.27 226.96 32.95 6 Real Estate Loan 256.50 145.15 18.77 47.91 683.32 11.57 725.41 734.87 29.18 7 Margin Nature Loan 55.64 1.04 73.22 0.78 301.73 177.24 8 Hire Purchase Loan 61.36 534.31 26.57 35.18 73.89 594.32 62.62 179.39 396.73 43.08 9 Deprived Sector Loan 36.35 41.62 31.14 35.14 8.93 114.08 18.69 123.90 106.43 16.07 10 Bills Purchased 5.70 11 Other Product 68.89 171.26 173.33 121.00 14.07 1078.47 11.45 449.78 10.83 233.56 TOTAL LOAN & ADVANCES 1644.61 1539.37 1443.56 1101.78 385.81 5337.66 356.50 3592.97 3920.37 462.55

Security wise credit 1 Gold and Silver 72.34 1.26 131.17 76.39 2 Government Securities 1.04 3 Non Governmental Securities 1.29 287.64 179.24 4 Fixed Deposit Receipts 34.89 13.03 56.66 16.49 12.60 109.59 4.95 69.07 30.79 7.14 4.1 Own 34.89 13.03 56.66 16.49 12.60 106.82 4.95 69.07 30.79 7.14 4.2 Other Licences Institutions 2.77 5 Collateral of Properties 1553.95 1526.34 1355.76 1011.91 373.21 4912.10 350.32 2941.60 3434.86 379.02 5.1 Fixed Assets 1553.95 1526.34 1355.76 1011.91 373.21 4888.20 350.32 2939.07 3311.63 379.02 5.2 Current Assets 23.90 2.53 123.23 6 Against security of Bill 5.70 6.1 Domestic Bills 5.70 6.2 Foreign Bills 7 Against Guarantee 0.13 12.19 0.08 7.09 63.46 7.1 Government Guarantee 15.88 7.2 Institutional Guarantee 0.13 9.25 1.23 47.58 7.3 Personal Guarantee 2.94 0.08 5.86 7.4 Collective Guarantee International Rated Foreign Bank's 7.5 Guarantee 7.6 Other Guarantee 8 Credit Card 9 Others 55.64 31.14 295.53 1.15 156.40 212.02 Total 1644.61 1539.37 1443.56 1101.78 385.81 5337.66 356.50 3592.97 3920.37 462.55

64 h

Sector wise credit Ace Sewa Tinau Rising Public Kankai Bhargav Mahakali Shangrila Muktinat 1 Agricultural and Forest Related 23.89 40.08 187.19 8.56 30.68 7.29 76.76 2.49 3.34 2 Fishery Related 7.25 3 Mining Related 13.14 28.06 4 Manufacturing (Producing) Related 24.26 64.08 58.43 22.81 64.41 5.34 608.46 79.78 5 Construction 13.88 150.11 478.17 83.36 31.56 110.12 19.61 644.01 26.61 149.05 6 Electricity,Gas and Water 74.60 1.83 7 Metal Products, Machinary & Electronic Equipment & Assemblage 2.60 16.00 16.94 69.81 12.25 Transport, Communication and Public 8 Utilities 61.45 407.70 169.69 4.41 72.25 15.83 342.85 11.68 232.55 9 Wholesaler & Retailer 232.22 57.48 234.88 417.72 102.44 74.69 44.66 618.16 74.11 369.54 10 Finance, Insurance and Real Estate 52.32 5.00 41.88 75.17 658.26 128.90 11 Hotel or Restaurant 7.86 0.70 9.62 2.69 88.74 7.22 64.99 12 Other Services 89.28 6.20 123.28 3.89 17.16 165.43 10.69 103.41 13 Consumption Loans 13.24 24.09 14.13 28.14 4.18 30.56 20.11 119.20 1.49 104.37 14 Local Government 1.37 15.16 15 Others 67.50 340.62 650.04 10.62 98.31 5.02 52.34 707.07 21.07 513.54 TOTAL 580.65 687.66 1798.06 1173.61 276.85 506.62 167.88 4195.75 155.35 1763.55

Product wise credit 1 Term Loan 37.15 43.82 179.58 71.52 20.40 584.40 49.33 210.00 2 Overdraft 307.58 131.12 191.06 332.85 145.64 195.57 34.16 1513.52 59.11 251.22 3 Trust Receipt Loan / Import Loan 4 Demand & Other Working Capital Loan 214.99 50.01 122.45 545.49 Residential Personal Home Loan (Up to 5 Rs. 80 Lakh) 150.11 452.55 126.34 31.56 108.79 19.61 319.63 26.61 131.41 6 Real Estate Loan 61.66 5.00 25.62 53.30 11.72 59.62 943.87 144.18 7 Margin Nature Loan 0.68 0.70 4.84 129.52 1.98 8 Hire Purchase Loan 70.50 46.53 407.70 164.41 8.35 82.11 34.17 311.62 11.68 349.72 9 Deprived Sector Loan 19.77 26.99 516.72 25.68 7.36 14.03 4.26 94.12 4.35 74.15 10 Bills Purchased 11 Other Product 83.31 327.90 160.59 75.77 0.69 21.26 25.68 176.61 4.29 55.40 TOTAL LOAN & ADVANCES 580.65 687.66 1798.06 1173.61 276.85 506.62 167.88 4195.75 155.35 1763.55

Security wise credit 1 Gold and Silver 7.83 0.13 7.84 2 Government Securities 0.07 3 Non Governmental Securities 136.02 1.98 4 Fixed Deposit Receipts 9.53 16.26 14.13 15.30 0.10 11.09 1.77 76.65 1.49 24.68 4.1 Own 9.53 16.26 14.13 15.30 0.10 11.09 1.77 76.65 1.49 24.68 4.2 Other Licences Institutions 5 Collateral of Properties 560.08 663.56 1267.21 1155.33 276.62 490.98 166.10 3889.48 153.86 1675.79 5.1 Fixed Assets 560.08 663.56 1267.21 1155.33 276.62 490.98 166.10 3889.48 153.86 1675.79 5.2 Current Assets 6 Against security of Bill 6.1 Domestic Bills 6.2 Foreign Bills 7 Against Guarantee 11.04 516.72 2.97 93.53 53.26 7.1 Government Guarantee 1.37 15.16 7.2 Institutional Guarantee 10.73 0.33 77.88 7.3 Personal Guarantee 0.31 516.72 0.50 7.4 Collective Guarantee 1.27 International Rated Foreign Bank's 7.5 Guarantee 53.26 7.6 Other Guarantee 8 Credit Card 9 Others 4.55 Total 580.65 687.66 1798.06 1173.61 276.85 506.62 167.88 4195.75 155.35 1763.55

65 Sector wise credit City Rara ndap Nilgiri diyalo Alpine Garima Bishow Country Resunga Kasthama 1 Agricultural and Forest Related 1.03 4.81 27.14 35.74 44.30 3.87 52.83 21.65 34.32 2 Fishery Related 3 Mining Related 1.00 4 Manufacturing (Producing) Related 22.33 77.06 6.44 276.94 21.57 34.52 5 Construction 202.81 17.21 17.15 49.69 224.20 124.21 374.05 177.62 6 Electricity,Gas and Water 0.71 80.98 7 Metal Products, Machinary & Electronic Equipment & Assemblage 1.20 3.83 28.37 0.68 56.26 Transport, Communication and Public 8 Utilities 187.82 41.79 42.83 22.24 208.92 278.55 386.35 9 Wholesaler & Retailer 108.67 135.98 118.03 241.42 90.44 79.52 431.75 150.54 189.97 10 Finance, Insurance and Real Estate 33.14 58.96 76.79 3.10 578.45 77.38 33.83 11 Hotel or Restaurant 7.00 6.59 23.89 0.90 206.15 27.24 110.33 12 Other Services 7.15 15.50 12.47 1.22 145.03 29.10 131.87 937.29 13 Consumption Loans 2.16 19.58 11.25 112.86 5.31 50.62 3.35 45.51 136.01 391.56 14 Local Government 2.04 1.97 3.58 0.03 15 Others 10.76 86.16 43.51 399.45 160.85 143.24 234.94 506.70 35.55 61.82 TOTAL 513.26 277.89 341.38 1015.36 431.06 302.58 2475.48 1283.16 1523.07 1568.30

Product wise credit 1 Term Loan 168.72 20.84 38.09 20.82 293.70 235.86 340.64 615.87 2 Overdraft 142.98 242.68 385.60 60.91 91.61 1108.71 368.64 223.12 199.47 3 Trust Receipt Loan / Import Loan 119.93 4 Demand & Other Working Capital Loan 84.67 10.50 261.63 79.01 123.35 23.23 Residential Personal Home Loan (Up to 5 Rs. 80 Lakh) 11.42 12.61 34.21 47.57 29.15 182.62 124.60 301.21 144.73 6 Real Estate Loan 17.23 25.71 58.93 28.62 3.15 517.45 93.94 41.12 124.09 7 Margin Nature Loan 10.84 0.60 9.75 23.50 8 Hire Purchase Loan 187.82 16.69 27.95 94.01 87.37 22.24 151.35 274.40 442.42 223.72 9 Deprived Sector Loan 17.39 11.08 8.92 29.35 18.89 7.00 76.31 103.46 48.30 58.82 10 Bills Purchased 1.50 11 Other Product 2.16 11.05 2.17 130.82 149.00 49.61 10.75 59.04 102.75 201.60 TOTAL LOAN & ADVANCES 513.26 277.89 341.38 1015.36 431.06 302.58 2475.48 1283.16 1523.07 1568.30

Security wise credit 1 Gold and Silver 43.98 31.03 54.25 155.18 2 Government Securities 3 Non Governmental Securities 23.50 4 Fixed Deposit Receipts 2.16 2.89 10.84 19.82 5.07 6.64 25.32 14.41 21.64 31.12 4.1 Own 2.16 2.89 10.84 19.82 5.07 6.64 25.32 14.41 21.64 31.12 4.2 Other Licences Institutions 5 Collateral of Properties 511.10 275.00 328.50 983.69 407.09 251.96 2338.92 1134.26 1390.43 1320.18 5.1 Fixed Assets 511.10 275.00 328.50 983.69 407.09 251.96 2338.92 1134.26 1390.43 1320.18 5.2 Current Assets 6 Against security of Bill 1.50 6.1 Domestic Bills 1.50 6.2 Foreign Bills 7 Against Guarantee 2.04 11.86 18.89 99.99 103.46 33.25 61.83 7.1 Government Guarantee 2.04 11.86 0.03 4.07 2.69 7.2 Institutional Guarantee 76.31 59.14 7.3 Personal Guarantee 23.69 19.40 7.4 Collective Guarantee 18.89 103.43 9.79 International Rated Foreign Bank's 7.5 Guarantee 7.6 Other Guarantee 8 Credit Card 9 Others 9.75 Total 513.26 277.89 341.38 1015.36 431.06 302.58 2475.48 1283.16 1523.07 1568.30

66 a e

Sector wise credit nal Jyoti Kakre Kabeli Hamro Kamana Bagmati Purnima Corporat Professio Pathibhar 1 Agricultural and Forest Related 18.05 5.24 35.91 84.43 5.61 16.15 42.15 9.08 5.65 11.23 2 Fishery Related 2.23 3 Mining Related 41.42 4 Manufacturing (Producing) Related 18.54 0.18 34.66 182.02 14.71 40.22 263.33 6.44 3.12 5 Construction 7.34 14.40 217.97 95.16 73.75 10.53 439.94 20.80 7.56 7.88 6 Electricity,Gas and Water 141.31 7 Metal Products, Machinary & Electronic Equipment & Assemblage 0.07 12.72 9.49 51.23 Transport, Communication and Public 8 Utilities 14.96 11.24 189.40 90.39 0.33 64.74 390.91 1.76 9 Wholesaler & Retailer 43.21 24.31 135.30 149.99 241.78 129.95 166.52 28.12 85.70 34.14 10 Finance, Insurance and Real Estate 74.61 147.30 3.48 32.58 180.71 23.12 11 Hotel or Restaurant 5.53 55.57 13.89 0.66 56.43 2.48 12 Other Services 2.48 4.14 67.68 1.09 8.05 19.02 111.65 3.81 13 Consumption Loans 6.29 87.14 59.56 30.00 65.22 7.56 74.48 2.85 25.22 0.51 14 Local Government 26.05 4.60 15 Others 46.16 15.15 89.08 101.91 148.99 106.75 558.18 18.32 33.54 62.74 TOTAL 157.02 167.40 1000.74 905.68 562.59 427.51 2522.87 85.60 182.53 125.92

Product wise credit 1 Term Loan 7.52 186.05 33.63 344.27 1.76 40.37 2 Overdraft 46.49 304.80 276.65 216.87 66.22 496.25 27.78 3 Trust Receipt Loan / Import Loan 62.45 4 Demand & Other Working Capital Loan 53.58 161.14 61.88 123.07 454.30 59.23 59.59 Residential Personal Home Loan (Up to 5 Rs. 80 Lakh) 7.34 9.80 154.37 55.10 73.75 9.44 245.93 20.23 4.06 6 Real Estate Loan 39.04 133.90 3.48 32.57 232.73 23.12 7.89 7 Margin Nature Loan 1.45 10.18 114.63 8 Hire Purchase Loan 17.31 10.42 218.94 100.60 48.09 69.80 333.54 2.35 24.49 2.51 9 Deprived Sector Loan 3.73 4.59 27.39 26.16 11.70 20.37 89.65 3.29 5.63 8.40 10 Bills Purchased 2.54 11 Other Product 75.06 88.58 68.70 105.81 146.80 106.05 211.59 0.50 36.11 4.30 TOTAL LOAN & ADVANCES 157.02 167.40 1000.74 905.68 562.59 427.51 2522.87 85.60 182.53 125.92

Security wise credit 1 Gold and Silver 85.02 39.84 13.32 2 Government Securities 3 Non Governmental Securities 114.62 4 Fixed Deposit Receipts 2.92 0.65 19.72 14.77 4.13 2.55 21.14 0.50 0.73 0.51 4.1 Own 2.92 0.65 19.72 14.77 4.13 2.55 21.14 0.50 0.73 0.51 4.2 Other Licences Institutions 5 Collateral of Properties 154.10 81.72 928.89 870.63 544.61 424.96 2339.12 85.10 181.80 125.41 5.1 Fixed Assets 154.10 81.72 928.89 870.63 544.61 424.96 2308.10 85.10 181.80 125.41 5.2 Current Assets 31.02 6 Against security of Bill 2.54 6.1 Domestic Bills 2.54 6.2 Foreign Bills 7 Against Guarantee 5.84 0.10 34.11 7.1 Government Guarantee 4.60 7.2 Institutional Guarantee 9.05 7.3 Personal Guarantee 5.84 0.10 20.46 7.4 Collective Guarantee International Rated Foreign Bank's 7.5 Guarantee 7.6 Other Guarantee 8 Credit Card 9 Others 6.45 17.63 0.53 13.87 Total 157.02 167.40 1000.74 905.68 562.59 427.51 2522.87 85.60 182.53 125.92

67 e Sector wise credit mi Civic IDBL Shine Gulmi Bright Pacific Jhimruk Kanchan Innovativ Matribhu 1 Agricultural and Forest Related 28.25 30.21 10.29 16.14 4.37 3.15 6.94 11.01 1.22 2 Fishery Related 0.27 3.54 0.10 3 Mining Related 45.55 4 Manufacturing (Producing) Related 74.43 2.29 241.69 5.99 17.23 3.89 53.65 4.07 5 Construction 100.39 47.98 7.06 159.37 22.66 43.76 17.16 40.58 6.53 6 Electricity,Gas and Water 3.65 0.46 2.30 7 Metal Products, Machinary & Electronic Equipment & Assemblage 1.91 1.24 10.63 Transport, Communication and Public 8 Utilities 111.49 21.91 25.95 33.04 5.45 68.62 16.94 9 Wholesaler & Retailer 345.91 69.00 17.04 680.98 47.64 98.72 27.67 50.68 32.64 10 Finance, Insurance and Real Estate 54.16 0.91 476.30 41.19 7.10 8.02 11 Hotel or Restaurant 7.40 2.06 1.00 9.10 1.50 2.05 2.01 3.62 0.96 12 Other Services 25.11 22.14 397.66 8.88 1.86 7.70 0.30 13 Consumption Loans 95.12 11.93 9.68 144.00 4.31 2.11 2.88 16.35 24.53 14 Local Government 15 Others 310.01 56.51 14.05 803.90 20.84 100.58 26.61 21.29 24.72 TOTAL 1152.55 266.83 59.12 2974.68 138.16 350.72 102.02 298.00 112.00

Product wise credit 1 Term Loan 76.06 3.98 56.39 5.39 18.39 28.43 11.24 38.94 17.86 2 Overdraft 220.84 0.34 300.07 81.52 25.05 176.71 64.88 14.84 3 Trust Receipt Loan / Import Loan 1.50 4 Demand & Other Working Capital Loan 423.39 77.48 31.61 235.27 54.37 27.78 48.18 43.48 21.44 Residential Personal Home Loan (Up to 5 Rs. 80 Lakh) 55.39 47.98 5.75 31.75 16.68 43.76 10.38 11.49 21.66 6.53 6 Real Estate Loan 99.16 535.08 5.98 41.19 7.10 12.00 13.76 7 Margin Nature Loan 8.89 192.83 14.70 8.55 8 Hire Purchase Loan 184.33 33.19 9.62 204.62 28.93 33.04 7.99 40.65 81.24 17.71 9 Deprived Sector Loan 22.72 6.84 2.17 52.58 8.59 11.64 2.15 7.63 12.69 2.36 10 Bills Purchased 11 Other Product 61.77 97.37 9.64 1366.09 2.01 84.84 20.93 6.39 21.36 31.27 TOTAL LOAN & ADVANCES 1152.55 266.83 59.12 2974.68 138.16 350.72 102.02 314.29 298.00 112.00

Security wise credit 1 Gold and Silver 128.37 20.98 2 Government Securities 3 Non Governmental Securities 192.83 4 Fixed Deposit Receipts 13.39 0.65 0.12 15.62 2.11 0.94 1.99 0.72 4.1 Own 13.39 0.65 0.12 15.62 2.11 0.94 1.99 0.72 4.2 Other Licences Institutions 5 Collateral of Properties 1107.55 266.18 59.00 2581.81 133.61 348.56 99.65 296.01 90.30 5.1 Fixed Assets 1107.55 266.18 59.00 2581.81 133.61 348.56 99.65 296.01 90.30 5.2 Current Assets 6 Against security of Bill 0.13 6.1 Domestic Bills 0.13 6.2 Foreign Bills 7 Against Guarantee 22.72 55.92 4.55 1.43 7.1 Government Guarantee 7.2 Institutional Guarantee 0.60 7.3 Personal Guarantee 53.69 0.64 7.4 Collective Guarantee 22.72 2.23 3.91 0.83 International Rated Foreign Bank's 7.5 Guarantee 7.6 Other Guarantee 8 Credit Card 9 Others 8.89 0.05 Total 1152.55 266.83 59.12 2974.68 138.16 350.72 102.02 298.00 112.00

68 i r

Sector wise credit Mt. Vibor Surya Metro Makalu Mission Tourism Raptiveri Khadbari Consume Gaumukh 1 Agricultural and Forest Related 3.46 8.16 17.80 11.82 0.19 11.77 34.15 1.75 1.47 2 Fishery Related 3 Mining Related 6.99 7.40 4 Manufacturing (Producing) Related 104.29 1.52 15.23 26.22 11.00 190.01 36.74 0.20 0.14 5 Construction 77.91 218.90 10.40 10.47 40.14 5.99 178.49 51.97 3.08 0.65 6 Electricity,Gas and Water 111.56 0.30 40.96 7 Metal Products, Machinary & Electronic Equipment & Assemblage 16.82 228.32 1.40 11.74 2.34 18.45 2.30 2.90 Transport, Communication and Public 8 Utilities 115.12 236.24 8.62 96.55 0.85 77.47 36.94 7.94 0.93 9 Wholesaler & Retailer 139.25 246.42 22.34 58.25 36.91 24.20 295.81 100.57 13.89 1.10 10 Finance, Insurance and Real Estate 37.22 528.01 19.77 7.50 15.89 10.71 11 Hotel or Restaurant 55.08 3.59 10.51 0.85 136.73 6.04 1.01 0.55 12 Other Services 3.72 32.33 1.78 8.26 21.56 2.77 48.28 14.56 0.20 0.15 13 Consumption Loans 34.73 286.75 4.86 4.83 33.51 5.08 59.53 1.14 4.64 7.66 14 Local Government 15 Others 22.91 145.60 1.21 3.62 82.38 5.12 181.98 22.96 11.14 25.20 TOTAL 451.14 2208.64 69.93 147.58 355.47 58.51 1255.38 325.47 46.75 37.85

Product wise credit 1 Term Loan 23.07 352.32 21.54 85.60 30.62 41.18 132.00 5.39 2 Overdraft 119.30 491.52 8.17 13.02 98.69 26.39 663.34 104.08 24.27 0.60 3 Trust Receipt Loan / Import Loan 4 Demand & Other Working Capital Loan 0.14 255.76 27.43 15.65 121.80 24.94 Residential Personal Home Loan (Up to 5 Rs. 80 Lakh) 67.55 9.11 22.73 5.99 103.56 43.67 3.08 0.65 6 Real Estate Loan 37.22 490.99 7.73 19.78 118.57 6.64 7 Margin Nature Loan 17.20 29.16 7.51 8 Hire Purchase Loan 140.16 291.11 10.09 3.08 108.30 0.82 166.47 17.38 10.95 0.93 9 Deprived Sector Loan 11.60 57.60 1.00 1.85 9.82 0.87 24.59 11.09 1.43 1.08 10 Bills Purchased 11 Other Product 52.11 243.01 21.38 24.25 28.72 8.78 8.36 10.61 1.64 9.65 TOTAL LOAN & ADVANCES 451.14 2208.64 69.93 147.58 355.47 58.51 1255.38 325.47 46.75 37.85

Security wise credit 1 Gold and Silver 0.68 4.03 31.41 2 Government Securities 5.10 3 Non Governmental Securities 17.20 0.35 22.73 7.51 4 Fixed Deposit Receipts 9.98 243.01 0.09 0.75 4.28 0.27 3.44 1.30 1.64 0.31 4.1 Own 9.98 243.01 0.09 0.75 4.28 0.27 3.44 1.30 1.64 0.31 4.2 Other Licences Institutions 5 Collateral of Properties 440.70 1816.41 68.81 144.99 320.96 49.72 1220.76 317.70 45.11 5.92 5.1 Fixed Assets 440.70 1816.41 68.81 144.99 320.96 49.72 1220.26 317.70 45.11 5.92 5.2 Current Assets 0.50 6 Against security of Bill 6.1 Domestic Bills 6.2 Foreign Bills 7 Against Guarantee 0.46 52.50 1.84 7.50 23.66 6.47 0.22 7.1 Government Guarantee 7.2 Institutional Guarantee 52.50 7.50 15.00 0.50 7.3 Personal Guarantee 0.31 5.78 7.4 Collective Guarantee 1.84 2.88 International Rated Foreign Bank's 7.5 Guarantee 7.6 Other Guarantee 0.15 5.97 0.22 8 Credit Card 9 Others 74.42 4.49 Total 451.14 2208.64 69.93 147.58 355.47 58.51 1255.38 325.47 46.75 37.85

69 wk Sector wise credit dhi Ekata Social Sahara NCDBL Sindhu Cosmos Manaslu Kalincho Samabrid 1 Agricultural and Forest Related 1.60 2.22 1.81 3.19 14.09 2 Fishery Related 0.40 3 Mining Related 0.80 4 Manufacturing (Producing) Related 8.75 0.90 17.07 20.15 0.42 0.44 3.40 5 Construction 17.84 0.73 35.40 22.23 1.10 17.74 5.36 6 Electricity,Gas and Water 7 Metal Products, Machinary & Electronic Equipment & Assemblage 1.00 20.00 Transport, Communication and Public 8 Utilities 88.00 10.23 7.44 19.82 4.18 9 Wholesaler & Retailer 80.05 34.72 75.31 60.81 9.45 22.49 28.85 10 Finance, Insurance and Real Estate 9.20 22.00 1.00 11 Hotel or Restaurant 4.80 0.61 178.90 17.35 0.09 11.70 12 Other Services 1.15 1.63 7.46 7.04 13.60 5.27 2.19 13 Consumption Loans 10.51 84.96 8.39 6.97 48.74 1.26 14 Local Government 15 Others 24.16 8.69 105.42 30.45 1.91 13.47 9.17 TOTAL 246.05 50.48 546.52 178.48 40.89 131.24 82.39

Product wise credit 1 Term Loan 54.32 0.49 133.98 2.94 19.60 6.93 7.33 2 Overdraft 64.79 247.55 66.95 0.90 8.80 5.28 3 Trust Receipt Loan / Import Loan 4 Demand & Other Working Capital Loan 46.54 4.59 12.08 15.27 Residential Personal Home Loan (Up to 5 Rs. 80 Lakh) 5.40 17.10 1.10 17.74 10.48 6 Real Estate Loan 27.04 50.64 7 Margin Nature Loan 84.60 8 Hire Purchase Loan 88.00 8.65 17.55 14.41 21.10 4.94 9 Deprived Sector Loan 0.32 1.54 15.34 0.38 1.01 2.12 1.93 10 Bills Purchased 11 Other Product 11.58 1.92 0.36 68.97 3.86 62.47 37.17 TOTAL LOAN & ADVANCES 246.05 50.48 546.52 178.48 40.89 131.24 82.39

Security wise credit 1 Gold and Silver 8.73 47.27 2 Government Securities 3 Non Governmental Securities 84.65 4 Fixed Deposit Receipts 1.78 0.36 1.07 0.19 0.01 4.1 Own 1.78 0.36 1.07 0.19 0.01 4.2 Other Licences Institutions 5 Collateral of Properties 235.54 50.48 447.50 177.02 40.89 83.78 82.38 5.1 Fixed Assets 235.54 50.48 447.50 177.02 40.89 83.78 82.38 5.2 Current Assets 6 Against security of Bill 6.1 Domestic Bills 6.2 Foreign Bills 7 Against Guarantee 14.00 7.1 Government Guarantee 7.2 Institutional Guarantee 14.00 7.3 Personal Guarantee 7.4 Collective Guarantee International Rated Foreign Bank's 7.5 Guarantee 7.6 Other Guarantee 8 Credit Card 9 Others 0.38 Total 246.05 50.48 546.52 178.48 40.89 131.24 82.39

70 Statement of Credit of Finance Companies ile Sector wise credit du a FC NIDC NIDC Nepal Nepal Capital Capital NSMFL Finance Peoples NHDFCL National Narayani Narayani Kathman Himalaya Merchant Annapurn 1 Agricultural and Forest Related 34.80 19.73 80.63 13.11 42.79 17.66 9.58 8.74 2 Fishery Related 2.00 3 Mining Related 2.50 82.00 4 Manufacturing (Producing) Related 21.79 30.45 188.89 212.00 128.50 117.00 5 Construction 420.50 123.37 254.91 422.09 591.76 2022.60 366.00 2.81 56.13 202.33 6 Electricity,Gas and Water 28.56 2.50 27.65 7 Metal Products, Machinary & Electronic Equipment & Assemblage 6.28 16.93 166.82 3.45 Transport, Communication and Public 8 Utilities 6.98 64.26 83.38 849.58 6.11 3.00 24.85 8.70 9 Wholesaler & Retailer 235.14 343.32 317.96 466.95 169.78 139.00 7.36 42.88 375.53 10 Finance, Insurance and Real Estate 58.51 292.04 333.55 503.85 39.09 11 Hotel or Restaurant 38.49 111.60 26.13 211.33 43.08 97.00 12 Other Services 9.64 8.11 110.65 114.61 317.74 2.52 13 Consumption Loans 83.91 225.48 88.97 132.73 136.35 41.39 35.23 105.96 104.82 14 Local Government 33.18 13.33 15 Others 41.30 129.70 7.33 1001.26 312.44 949.09 32.62 130.45 22.76 TOTAL 461.80 712.37 1134.95 2630.91 3404.89 4384.17 895.67 70.25 408.64 714.17

Product wise credit 1 Term Loan 1.19 487.29 126.92 386.44 479.50 296.00 7.02 77.02 2 Overdraft 749.79 3 Trust Receipt Loan / Import Loan 4 Demand & Other Working Capital Loan 370.58 470.28 752.71 130.45 375.53 Residential Personal Home Loan (Up to 5 Rs. 80 Lakh) 358.20 52.22 102.92 318.34 536.43 391.94 27.11 46.93 170.83 6 Real Estate Loan 71.15 187.75 314.55 333.55 2171.21 504.17 1.60 48.29 31.50 7 Margin Nature Loan 45.00 46.19 233.20 50.07 8.37 67.96 20.04 81.40 8 Hire Purchase Loan 7.09 47.20 104.00 1010.45 316.65 11.27 24.85 8.70 18.82 9 Deprived Sector Loan 17.30 18.01 10.23 49.50 69.29 95.95 17.66 1.56 13.33 22.76 10 Bills Purchased 11 Other Product 41.30 145.95 66.36 1197.24 307.64 111.18 19.43 35.23 2.52 94.74 TOTAL LOAN & ADVANCES 461.80 712.37 1134.95 2630.91 3404.89 4384.17 895.67 70.25 408.64 714.17

Security wise credit 1 Gold and Silver 2 Government Securities 3 Non Governmental Securities 7.30 67.96 20.04 81.40 4 Fixed Deposit Receipts 41.30 32.62 65.03 74.75 61.91 68.39 12.35 35.23 24.56 81.57 4.1 Own 41.30 32.62 65.03 74.75 61.91 68.39 12.35 35.23 24.56 81.57 4.2 Other Licences Institutions 5 Collateral of Properties 420.50 616.90 1005.37 2479.87 3288.72 4152.14 863.26 33.61 302.68 609.84 5.1 Fixed Assets 420.50 616.90 1005.37 2479.87 3288.72 4152.14 863.26 33.61 302.68 609.84 5.2 Current Assets 6 Against security of Bill 6.1 Domestic Bills 6.2 Foreign Bills 7 Against Guarantee 45.65 95.68 0.08 7.1 Government Guarantee 13.15 33.18 7.2 Institutional Guarantee 15.00 7.3 Personal Guarantee 17.50 0.08 7.4 Collective Guarantee International Rated Foreign Bank's 7.5 Guarantee 7.6 Other Guarantee 62.50 8 Credit Card 9 Others 62.85 64.55 76.29 1.30 0.02 1.34 22.76 Total 461.80 712.37 1134.95 2630.91 3404.89 4384.17 895.67 70.25 408.64 714.17

71 g nt Sector wise credit nt a FC nchal Shree Union Gorkha Lumbini Goodwill N.Housin Investme Universal Paschima &Mercha Samjhana Siddharth 1 Agricultural and Forest Related 9.80 164.15 76.05 36.74 76.85 57.70 4.08 2 Fishery Related 0.24 3 Mining Related 9.30 2.80 42.00 1.33 4 Manufacturing (Producing) Related 116.32 2.76 104.81 108.23 161.44 121.82 184.23 196.82 5 Construction 271.19 61.20 102.12 266.70 222.33 373.02 112.75 184.39 275.63 6 Electricity,Gas and Water 1.50 0.38 1.35 7 Metal Products, Machinary & Electronic Equipment & Assemblage 73.28 0.08 3.34 14.40 0.02 26.54 0.54 10.35 Transport, Communication and Public 8 Utilities 93.28 32.95 137.11 117.98 16.73 130.36 98.35 41.00 173.98 9 Wholesaler & Retailer 16.82 27.46 264.26 103.81 145.69 559.92 343.97 251.72 264.13 10 Finance, Insurance and Real Estate 88.86 59.32 84.59 393.97 136.86 112.60 116.26 11 Hotel or Restaurant 11.01 7.50 19.48 36.02 129.60 54.90 187.17 12 Other Services 36.18 2.60 23.18 82.14 70.71 33.88 19.83 190.35 157.51 13 Consumption Loans 130.61 35.12 70.05 151.49 39.50 65.21 44.08 74.41 49.25 14 Local Government 15 Others 184.59 148.94 347.45 149.23 42.89 52.05 126.54 0.14 146.64 TOTAL 1031.93 377.94 1331.59 1503.19 1045.85 1317.82 867.35 1152.00 1583.15

Product wise credit 1 Term Loan 271.73 503.03 388.90 552.31 484.49 284.65 2 Overdraft 3 Trust Receipt Loan / Import Loan 4 Demand & Other Working Capital Loan 144.16 173.45 446.80 442.67 332.95 865.48 Residential Personal Home Loan (Up to 5 Rs. 80 Lakh) 153.17 46.44 48.11 171.25 269.05 72.24 147.46 66.65 6 Real Estate Loan 162.16 86.89 57.36 421.54 355.31 308.25 40.51 157.84 314.76 7 Margin Nature Loan 57.78 26.60 63.55 16.87 52.05 12.20 39.18 4.24 8 Hire Purchase Loan 117.38 32.95 162.41 117.98 18.53 120.75 98.35 35.29 122.49 9 Deprived Sector Loan 21.98 8.99 37.54 21.16 25.17 49.36 27.84 19.02 21.50 10 Bills Purchased 11 Other Product 103.58 2.60 76.34 318.80 77.66 33.88 173.53 135.60 188.02 TOTAL LOAN & ADVANCES 1031.93 377.94 1331.59 1503.19 1045.85 1317.82 867.35 1152.00 1583.15

Security wise credit 1 Gold and Silver 6.29 2 Government Securities 3 Non Governmental Securities 57.78 26.60 39.18 4 Fixed Deposit Receipts 36.29 8.52 22.56 116.77 18.39 65.21 44.08 35.23 45.62 4.1 Own 36.29 8.52 22.56 116.77 18.39 65.21 44.08 35.23 45.62 4.2 Other Licences Institutions 5 Collateral of Properties 899.13 342.81 1302.71 1313.06 989.79 1174.03 823.27 1077.39 1495.68 5.1 Fixed Assets 899.13 342.81 1302.71 1313.06 989.79 1174.03 823.27 1077.39 1495.68 5.2 Current Assets 6 Against security of Bill 6.1 Domestic Bills 6.2 Foreign Bills 7 Against Guarantee 38.74 0.02 27.67 26.54 0.20 21.50 7.1 Government Guarantee 3.25 9.97 7.2 Institutional Guarantee 18.30 21.50 7.3 Personal Guarantee 17.19 0.83 0.20 7.4 Collective Guarantee 0.02 International Rated Foreign Bank's 7.5 Guarantee 7.6 Other Guarantee 16.87 26.54 8 Credit Card 9 Others 73.35 10.00 52.05 20.35 Total 1031.93 377.94 1331.59 1503.19 1045.85 1317.82 867.35 1152.00 1583.15

72 a ve Sector wise credit mi Yeti ILFCO Investa Investa Lalitpur General Mahalax Progressi Standard Bhajuratn FC United 1 Agricultural and Forest Related 2.19 8.65 4.99 0.99 7.71 2.60 2.80 0.77 5.80 2 Fishery Related 2.00 3 Mining Related 6.40 4.46 4.15 1.00 4 Manufacturing (Producing) Related 150.04 713.20 286.95 143.05 6.46 33.58 28.42 26.00 5 Construction 3.70 39.97 131.14 96.74 552.82 76.16 41.69 884.55 182.63 14.00 6 Electricity,Gas and Water 106.24 7 Metal Products, Machinary & Electronic Equipment & Assemblage 4.40 5.79 154.68 7.07 245.26 0.50 Transport, Communication and Public 8 Utilities 38.52 44.64 583.88 1026.16 193.45 31.95 16.71 57.92 9 Wholesaler & Retailer 195.85 286.75 175.82 294.23 546.66 36.27 15.04 377.06 5.69 10 Finance, Insurance and Real Estate 74.18 242.89 351.10 22.10 784.44 96.03 70.47 11 Hotel or Restaurant 33.01 265.55 13.59 73.90 1.00 12 Other Services 51.55 109.24 622.77 15.65 207.79 0.07 36.20 6.60 13 Consumption Loans 0.89 139.24 24.23 53.54 69.30 200.04 10.73 979.13 23.41 39.98 14 Local Government 15 Others 0.38 169.15 321.03 105.83 431.37 123.83 19.81 138.86 327.08 32.99 TOTAL 45.67 910.68 2796.93 2894.56 1815.10 1943.07 149.52 2413.03 975.56 260.95

Product wise credit 1 Term Loan 70.33 457.33 851.89 263.69 546.66 45.34 4.08 19.37 2 Overdraft 3 Trust Receipt Loan / Import Loan 4 Demand & Other Working Capital Loan 559.79 779.56 268.16 455.66 4.15 56.71 39.39 Residential Personal Home Loan (Up to 5 Rs. 80 Lakh) 29.31 85.27 55.90 236.24 76.16 606.11 15.64 6 Real Estate Loan 72.56 349.79 600.12 374.76 784.44 41.69 119.22 182.63 28.26 7 Margin Nature Loan 13.54 140.86 29.49 82.21 35.67 8.58 95.66 14.25 29.15 8 Hire Purchase Loan 101.48 191.39 989.76 203.93 38.88 31.94 1040.16 23.18 59.20 9 Deprived Sector Loan 23.18 54.86 46.25 37.61 39.97 4.71 53.16 10.44 7.59 10 Bills Purchased 3.94 11 Other Product 45.67 40.49 733.94 52.99 161.01 417.14 17.26 437.94 745.07 62.36 TOTAL LOAN & ADVANCES 45.67 910.68 2796.93 2894.56 1815.10 1943.07 149.52 2413.03 975.56 260.95

Security wise credit 1 Gold and Silver 2 Government Securities 3 Non Governmental Securities 140.09 29.49 35.67 13.34 0.39 14.25 29.29 4 Fixed Deposit Receipts 37.76 393.26 53.14 69.30 125.49 10.73 132.85 23.41 10.15 4.1 Own 37.76 393.26 53.09 69.30 125.49 10.73 132.85 23.41 10.15 4.2 Other Licences Institutions 0.04 5 Collateral of Properties 45.29 859.38 2211.68 2751.01 1635.08 1450.29 125.45 2061.92 937.90 171.79 5.1 Fixed Assets 43.10 859.38 2211.68 2751.01 1615.17 899.48 125.45 2061.92 937.90 171.79 5.2 Current Assets 2.19 19.92 550.81 6 Against security of Bill 6.1 Domestic Bills 6.2 Foreign Bills 7 Against Guarantee 50.61 15.80 0.30 50.40 22.69 7.1 Government Guarantee 15.25 7.2 Institutional Guarantee 50.61 0.02 49.14 3.00 7.3 Personal Guarantee 0.55 0.28 1.27 19.69 7.4 Collective Guarantee International Rated Foreign Bank's 7.5 Guarantee 7.6 Other Guarantee 8 Credit Card 9 Others 0.38 13.54 1.30 45.13 110.42 331.62 167.46 27.04 Total 45.67 910.68 2796.93 2894.56 1815.10 1943.07 149.52 2413.03 975.56 260.95

73 a

Sector wise credit ose Alpic Arun Janaki Butwal Srijana Central Everest Premier Pokhara Navadurg Multipurp 1 Agricultural and Forest Related 34.71 38.90 5.62 32.49 19.40 19.40 29.24 0.55 2 Fishery Related 0.68 0.80 3 Mining Related 0.25 12.13 30.76 4 Manufacturing (Producing) Related 146.02 221.34 66.71 116.10 133.44 172.58 3.50 132.40 5 Construction 100.68 15.73 162.39 85.55 128.68 154.70 74.72 18.10 50.73 20.08 6 Electricity,Gas and Water 4.85 1.50 15.57 2.30 7 Metal Products, Machinary & Electronic Equipment & Assemblage 7.35 5.39 4.59 49.93 12.35 37.22 Transport, Communication and Public 8 Utilities 44.36 6.33 74.70 73.48 133.70 186.65 9 Wholesaler & Retailer 48.57 254.55 241.23 406.63 759.54 92.54 54.99 18.00 219.29 48.98 10 Finance, Insurance and Real Estate 133.06 138.44 16.44 206.21 266.59 165.21 188.69 11 Hotel or Restaurant 9.90 62.23 15.85 71.76 4.45 20.95 22.60 13.20 12 Other Services 45.33 22.11 65.41 62.75 37.85 0.73 0.21 21.10 131.02 8.10 13 Consumption Loans 21.91 33.70 60.24 10.45 105.17 26.58 10.81 11.10 81.94 11.01 14 Local Government 4.02 1.52 2.18 1.37 15 Others 137.33 11.64 26.08 254.21 30.50 132.31 47.32 3.09 98.51 45.63 TOTAL 738.75 813.63 656.54 1293.99 1544.28 1009.42 242.40 94.29 1204.10 134.35

Product wise credit 1 Term Loan 1.50 307.94 209.36 11.40 60.19 52.00 484.61 48.98 2 Overdraft 3 Trust Receipt Loan / Import Loan 4 Demand & Other Working Capital Loan 317.12 644.57 654.48 989.92 425.24 91.37 111.72 Residential Personal Home Loan (Up to 5 Rs. 80 Lakh) 60.54 12.21 162.39 128.68 135.49 48.27 18.10 135.12 6 Real Estate Loan 162.85 114.63 16.44 261.91 266.59 283.42 26.45 215.57 7 Margin Nature Loan 5.52 18.64 43.70 19.41 9.70 40.23 20.08 8 Hire Purchase Loan 55.17 3.61 8.72 74.70 73.48 44.26 7.96 7.00 140.37 5.40 9 Deprived Sector Loan 28.03 15.06 15.61 8.08 30.50 21.31 4.79 3.09 39.46 3.24 10 Bills Purchased 11 Other Product 109.52 3.40 145.44 85.46 20.10 53.87 14.10 37.01 56.65 TOTAL LOAN & ADVANCES 738.75 813.63 656.54 1293.99 1544.28 1009.42 242.40 94.29 1204.10 134.35

Security wise credit 1 Gold and Silver 2 Government Securities 3 Non Governmental Securities 18.84 43.70 19.41 4 Fixed Deposit Receipts 10.59 14.87 48.28 10.45 61.47 2.95 2.82 11.10 82.04 5.61 4.1 Own 10.59 14.87 48.28 10.45 61.47 2.95 2.82 11.10 82.04 5.61 4.2 Other Licences Institutions 5 Collateral of Properties 715.18 768.54 602.83 1283.53 1439.11 974.21 192.27 83.19 1122.06 25.47 5.1 Fixed Assets 715.18 768.54 602.83 1283.53 1439.11 974.21 192.27 83.19 1122.06 25.47 5.2 Current Assets 6 Against security of Bill 6.1 Domestic Bills 6.2 Foreign Bills 7 Against Guarantee 7.45 12.85 7.1 Government Guarantee 4.02 2.00 7.2 Institutional Guarantee 10.00 7.3 Personal Guarantee 3.43 0.85 7.4 Collective Guarantee International Rated Foreign Bank's 7.5 Guarantee 7.6 Other Guarantee 8 Credit Card 9 Others 5.53 11.38 5.43 47.32 103.27 Total 738.75 813.63 656.54 1293.99 1544.28 1009.42 242.40 94.29 1204.10 134.35

74 ori

Sector wise credit Om CMB Fewa Royal Patan Crystal Everest WMBFL CMBFCL Guheshw 1 Agricultural and Forest Related 1.59 390.45 9.24 0.50 7.49 18.62 5.79 2 Fishery Related 0.19 2.20 1.82 3 Mining Related 0.30 30.00 4 Manufacturing (Producing) Related 11.13 59.68 981.71 257.52 18.31 26.52 93.33 4.61 5 Construction 171.66 73.46 59.16 24.11 959.73 146.20 237.15 86.14 407.11 54.86 6 Electricity,Gas and Water 0.95 7 Metal Products, Machinary & Electronic Equipment & Assemblage 0.90 12.09 16.23 1.00 0.50 5.96 1.50 Transport, Communication and Public 8 Utilities 196.11 67.95 49.75 26.64 55.48 33.62 496.04 119.65 9 Wholesaler & Retailer 1387.51 3.84 83.19 202.17 143.09 0.60 12.09 319.58 10 Finance, Insurance and Real Estate 117.26 7.50 278.64 20.07 421.44 85.60 30.83 13.37 0.58 11 Hotel or Restaurant 7.76 100.60 18.57 3.90 3.20 91.25 12 Other Services 0.88 23.01 39.74 7.24 2.76 14.61 13.21 66.81 1.05 13 Consumption Loans 210.24 35.14 56.96 286.53 41.96 51.69 123.11 82.60 46.81 12.76 14 Local Government ‐18.32 15 Others 42.95 243.78 271.94 1079.17 546.16 226.41 103.39 300.54 46.73 TOTAL 2126.61 466.72 908.59 3132.01 983.37 1698.37 744.81 365.97 1861.62 249.35

Product wise credit 1 Term Loan 1335.46 17.89 194.50 1471.99 709.63 64.32 182.80 97.45 36.78 2 Overdraft 3 Trust Receipt Loan / Import Loan 4 Demand & Other Working Capital Loan 90.24 133.34 344.40 40.26 523.23 72.90 586.77 Residential Personal Home Loan (Up to 5 Rs. 80 Lakh) 42.95 56.49 0.72 14.95 88.48 164.71 50.32 108.71 6 Real Estate Loan 288.92 36.11 278.64 821.75 207.27 436.78 147.35 32.28 214.24 54.86 7 Margin Nature Loan 3.15 17.35 12.90 14.65 36.48 36.58 61.89 8 Hire Purchase Loan 196.11 27.48 64.85 50.10 9.09 48.13 20.09 6.62 473.58 119.65 9 Deprived Sector Loan 52.05 12.82 11.64 17.89 17.12 32.48 17.18 4.95 48.98 38.05 10 Bills Purchased 3.80 11 Other Product 207.97 208.33 212.00 396.28 468.48 176.09 133.20 331.90 TOTAL LOAN & ADVANCES 2126.61 466.72 908.59 3132.01 983.37 1698.37 744.81 365.97 1861.62 249.35

Security wise credit 1 Gold and Silver 133.09 4.51 2 Government Securities 3.10 3 Non Governmental Securities 3.15 12.60 14.65 36.48 64.05 4 Fixed Deposit Receipts 74.00 20.39 29.59 242.28 29.78 15.20 66.44 14.60 40.97 21.99 4.1 Own 74.00 20.39 29.59 242.28 29.78 15.20 66.44 14.60 40.97 21.99 4.2 Other Licences Institutions 5 Collateral of Properties 1916.37 416.05 824.81 2856.21 945.42 1595.70 632.76 272.64 1820.65 227.11 5.1 Fixed Assets 1916.37 416.05 824.81 2856.21 945.42 1595.70 632.76 272.61 1820.65 227.11 5.2 Current Assets 0.03 6 Against security of Bill 6.1 Domestic Bills 6.2 Foreign Bills 7 Against Guarantee 0.11 22.01 17.89 34.02 6.01 7.1 Government Guarantee 7.2 Institutional Guarantee 0.11 8.86 17.89 30.20 2.51 7.3 Personal Guarantee 13.15 3.82 3.50 7.4 Collective Guarantee International Rated Foreign Bank's 7.5 Guarantee 7.6 Other Guarantee 8 Credit Card 9 Others 30.17 19.57 0.97 5.07 16.97 45.61 4.15 0.24 Total 2126.61 466.72 908.59 3132.01 983.37 1698.37 744.81 365.97 1861.62 249.35

75 l

Sector wise credit ha Civil IME ICFC NEFL Kuber Kuber Prabhu Shikhar Imperial Sagarmat Prudentia 1 Agricultural and Forest Related 13.09 6.12 41.16 53.50 27.29 100.78 2.30 4.86 2 Fishery Related 3 Mining Related 2.00 6.50 4.98 4 Manufacturing (Producing) Related 40.21 267.64 243.14 39.55 40.34 207.88 67.00 32.33 32.34 5 Construction 32.93 154.28 363.62 64.88 22.23 13.26 285.75 53.76 79.54 34.61 6 Electricity,Gas and Water 9.73 1.50 13.80 7 Metal Products, Machinary & Electronic Equipment & Assemblage 73.08 31.19 34.67 7.65 0.25 6.42 9.50 5.38 Transport, Communication and Public 8 Utilities 41.57 20.99 54.11 184.99 7.35 205.78 216.14 52.88 14.13 77.38 9 Wholesaler & Retailer 133.22 381.58 588.39 105.19 122.75 1.00 366.42 126.96 133.17 40.69 10 Finance, Insurance and Real Estate 199.52 613.94 575.04 98.59 167.19 124.22 1034.45 91.36 376.09 36.13 11 Hotel or Restaurant 36.21 157.77 234.23 6.90 1.30 251.12 0.50 3.37 21.70 12 Other Services 76.80 62.44 212.23 52.28 12.30 2.46 181.23 23.00 78.22 10.95 13 Consumption Loans 89.40 126.06 186.99 80.53 28.15 14.20 290.40 24.05 83.08 16.18 14 Local Government 1.30 15 Others 400.04 579.30 1158.98 331.80 222.31 80.00 997.03 188.33 354.43 161.08 TOTAL 1136.07 2403.32 3702.28 1027.35 651.46 440.92 3951.43 643.85 1161.62 442.60

Product wise credit 1 Term Loan 785.40 0.88 136.41 17.12 0.04 39.42 23.22 202.26 2 Overdraft 3 Trust Receipt Loan / Import Loan 4 Demand & Other Working Capital Loan 1509.60 1269.66 236.10 212.12 265.10 1552.76 374.10 287.35 46.40 Residential Personal Home Loan (Up to 5 Rs. 80 Lakh) 6.15 54.52 197.98 64.88 8.46 17.76 79.99 39.76 76.01 33.35 6 Real Estate Loan 171.21 504.07 681.18 93.32 180.96 124.25 821.78 93.18 224.58 53.85 7 Margin Nature Loan 68.97 135.26 101.87 82.97 6.75 11.94 78.33 47.69 26.21 4.10 8 Hire Purchase Loan 54.26 71.82 59.82 188.17 17.28 9.84 374.49 57.08 39.53 83.62 9 Deprived Sector Loan 16.19 45.88 85.83 23.68 12.90 9.53 97.59 12.19 5.40 10.03 10 Bills Purchased 0.06 2.60 11 Other Product 33.89 81.30 1169.54 321.10 212.99 2.46 907.02 19.85 476.72 9.00 TOTAL LOAN & ADVANCES 1136.07 2403.32 3702.28 1027.35 651.46 440.92 3951.43 643.85 1161.62 442.60

Security wise credit 1 Gold and Silver 5.19 2 Government Securities 1.15 4.85 3 Non Governmental Securities 68.97 84.47 6.66 23.56 4.10 4 Fixed Deposit Receipts 11.14 70.29 39.16 25.16 11.47 9.90 41.66 21.24 30.54 5.84 4.1 Own 11.14 70.29 39.16 25.16 11.47 9.90 41.66 21.24 30.54 5.84 4.2 Other Licences Institutions 5 Collateral of Properties 1039.77 2160.14 3633.12 903.39 586.85 391.60 3536.90 562.73 1092.70 425.37 5.1 Fixed Assets 1039.77 2160.14 3633.12 903.39 586.85 391.60 3536.90 562.73 1092.70 425.37 5.2 Current Assets 6 Against security of Bill 0.09 6.1 Domestic Bills 0.09 6.2 Foreign Bills 7 Against Guarantee 7.59 30.00 9.14 37.74 24.80 188.93 6.47 7.1 Government Guarantee 7.2 Institutional Guarantee 5.00 30.00 7.20 37.74 30.72 0.81 7.3 Personal Guarantee 0.28 1.94 17.91 151.54 5.66 7.4 Collective Guarantee 2.31 6.66 International Rated Foreign Bank's 7.5 Guarantee 7.6 Other Guarantee 6.89 8 Credit Card 9 Others 16.19 164.15 0.34 8.65 14.62 178.75 59.88 8.34 7.30 Total 1136.07 2403.32 3702.28 1027.35 651.46 440.92 3951.43 643.85 1161.62 442.60

76 Api

Sector wise credit Seti han Lord Kaski hama Valley reliable Swastik Buddha Namaste Suryadars 1 Agricultural and Forest Related 0.75 4.66 0.85 2.11 19.98 2 Fishery Related 0.75 3 Mining Related 4.00 4 Manufacturing (Producing) Related 16.42 31.63 11.43 1.45 43.68 25.38 5 Construction 52.71 5.26 5.78 216.39 54.91 113.66 64.21 13.93 199.43 71.34 6 Electricity,Gas and Water 7 Metal Products, Machinary & Electronic Equipment & Assemblage 6.82 1.87 1.73 Transport, Communication and Public 8 Utilities 49.48 75.46 65.97 137.67 3.36 237.54 29.21 9 Wholesaler & Retailer 258.29 74.96 9.08 341.70 72.76 41.92 181.96 7.48 210.62 23.36 10 Finance, Insurance and Real Estate 51.97 149.69 43.98 20.63 1.67 42.24 47.08 11 Hotel or Restaurant 2.10 23.27 1.13 4.10 4.06 12 Other Services 0.94 8.33 70.88 31.54 0.25 59.77 8.10 1.23 2.65 81.83 13 Consumption Loans 98.22 5.50 4.13 83.39 8.00 36.08 27.94 2.15 15.73 53.64 14 Local Government 15 Others 334.22 28.85 166.27 500.05 135.58 22.06 104.94 27.73 220.63 96.75 TOTAL 797.10 143.97 464.23 1292.51 413.84 273.49 536.25 64.87 996.60 438.39

Product wise credit 1 Term Loan 323.37 1.81 25.65 14.44 17.25 13.74 12.35 123.21 2 Overdraft 86.47 3 Trust Receipt Loan / Import Loan 4 Demand & Other Working Capital Loan 229.56 111.41 121.53 272.02 133.21 47.00 283.09 241.95 102.13 Residential Personal Home Loan (Up to 5 Rs. 80 Lakh) 43.01 5.26 81.18 28.86 28.29 53.35 13.77 173.20 51.54 6 Real Estate Loan 61.67 145.37 141.89 31.18 15.74 10.86 1.67 68.47 59.00 7 Margin Nature Loan 23.18 11.56 57.13 26.29 30.49 33.58 8 Hire Purchase Loan 29.07 3.67 58.48 92.61 65.97 55.84 146.65 3.56 237.54 53.56 9 Deprived Sector Loan 17.14 4.20 10.10 47.96 9.76 11.43 2.16 19.98 9.61 10 Bills Purchased 6.04 11 Other Product 70.09 17.61 5.08 585.29 101.32 90.10 30.86 29.97 243.12 5.75 TOTAL LOAN & ADVANCES 797.10 143.97 464.23 1292.51 413.84 273.49 536.25 64.87 996.60 438.39

Security wise credit 1 Gold and Silver 62.46 2 Government Securities 3 Non Governmental Securities 26.29 30.49 33.58 4 Fixed Deposit Receipts 6.69 3.15 4.13 9.11 10.02 5.59 18.95 0.96 15.73 5.75 4.1 Own 6.69 3.15 4.13 9.11 10.02 5.59 18.95 0.96 15.73 5.75 4.2 Other Licences Institutions 5 Collateral of Properties 727.95 140.82 419.15 724.11 367.77 221.75 517.30 63.81 971.75 388.69 5.1 Fixed Assets 727.95 140.82 419.15 724.11 367.77 221.75 517.30 63.81 971.75 388.69 5.2 Current Assets 6 Against security of Bill 6.1 Domestic Bills 6.2 Foreign Bills 7 Against Guarantee 29.39 9.76 11.25 9.12 6.36 7.1 Government Guarantee 0.26 1.60 1.74 7.2 Institutional Guarantee 10.10 9.50 4.63 7.3 Personal Guarantee 19.29 11.25 7.4 Collective Guarantee 7.52 International Rated Foreign Bank's 7.5 Guarantee 7.6 Other Guarantee 8 Credit Card 9 Others 11.56 559.29 4.41 0.10 4.00 Total 797.10 143.97 464.23 1292.51 413.84 273.49 536.25 64.87 996.60 438.39

77 r

Sector wise credit ee mi Jebils Lotus Zenith Unique Baibhav Reliance Subhalax Bhaktapu Manjushr 1 Agricultural and Forest Related 14.97 6.60 8.35 1.65 6.43 2.05 1.50 2 Fishery Related 3 Mining Related 0.50 4 Manufacturing (Producing) Related 55.34 26.12 27.33 22.40 3.40 31.21 13.09 9.79 5 Construction 46.38 36.92 90.28 34.58 22.29 122.59 11.40 0.90 11.80 6 Electricity,Gas and Water 7 Metal Products, Machinary & Electronic Equipment & Assemblage 8.32 32.28 1.19 17.94 Transport, Communication and Public 8 Utilities 16.51 78.36 52.38 62.10 16.10 187.63 3.00 9 Wholesaler & Retailer 80.41 52.98 80.59 52.24 68.10 70.12 69.47 29.50 32.26 10 Finance, Insurance and Real Estate 127.96 8.80 75.40 8.85 24.69 57.28 4.30 6.40 11 Hotel or Restaurant 36.96 13.80 6.61 6.49 4.93 2.50 0.80 12 Other Services 20.93 0.81 26.27 34.29 2.08 3.50 24.41 41.30 0.10 13 Consumption Loans 82.07 8.37 8.19 64.33 44.02 21.68 100.14 4.81 4.12 14 Local Government 1.39 15 Others 219.77 246.80 221.95 193.44 100.06 118.52 41.32 30.81 12.02 TOTAL 711.50 465.76 636.81 480.49 294.86 635.40 269.17 116.22 72.38

Product wise credit 1 Term Loan 35.79 13.24 1.19 23.50 6.00 2 Overdraft 3 Trust Receipt Loan / Import Loan 34.40 4 Demand & Other Working Capital Loan 186.52 111.84 342.43 156.77 84.44 87.68 46.05 Residential Personal Home Loan (Up to 5 Rs. 80 Lakh) 29.00 44.84 13.50 22.09 113.12 0.90 11.80 6 Real Estate Loan 122.24 133.74 115.85 61.29 20.69 52.48 11.40 6.40 7 Margin Nature Loan 68.70 9.48 50.38 47.17 29.41 7.93 12.90 3.00 8 Hire Purchase Loan 29.69 68.29 47.46 60.07 23.47 206.23 88.06 1.77 5.17 9 Deprived Sector Loan 14.45 9.09 11.87 11.85 5.43 14.17 4.93 10 Bills Purchased 2.88 11 Other Product 251.22 104.32 10.75 129.84 108.14 241.46 40.70 69.76 3.36 TOTAL LOAN & ADVANCES 711.50 465.76 636.81 480.49 294.86 635.40 269.17 116.22 72.38

Security wise credit 1 Gold and Silver 2 Government Securities 3 Non Governmental Securities 68.70 4 Fixed Deposit Receipts 6.55 8.72 8.93 31.17 4.65 2.41 2.52 0.05 0.46 4.1 Own 6.55 8.72 3.30 31.17 4.65 2.41 2.52 0.05 0.46 4.2 Other Licences Institutions 5.63 5 Collateral of Properties 625.48 379.46 547.24 402.16 246.33 599.81 244.84 82.93 71.82 5.1 Fixed Assets 625.48 379.46 543.84 402.16 246.33 599.81 244.84 82.93 71.82 5.2 Current Assets 3.40 6 Against security of Bill 2.88 6.1 Domestic Bills 2.88 6.2 Foreign Bills 7 Against Guarantee 7.89 14.36 13.78 18.26 0.10 7.1 Government Guarantee 1.39 7.2 Institutional Guarantee 6.50 4.00 12.00 4.30 7.3 Personal Guarantee 10.06 1.78 1.36 0.10 7.4 Collective Guarantee 0.30 International Rated Foreign Bank's 7.5 Guarantee 7.6 Other Guarantee 12.60 8 Credit Card 9 Others 77.58 80.65 47.16 29.51 19.40 3.55 33.25 Total 711.50 465.76 636.81 480.49 294.86 635.40 269.17 116.22 72.38

78 Statement of Credit of Micro Development Banks

Sector wise credit ban MGBB RMDC SPGBB PAGBB PUGBB MPGBB DIPROSC NIRDHAN NIRDHAN CHHIMEK Swabalam 1 Agricultural and Forest Related 47.01 91.07 1361.60 883.17 581.41 2 Fishery Related 3 Mining Related 4 Manufacturing (Producing) Related 0.35 350.52 5 Construction 6 Electricity,Gas and Water 2.10 7 Metal Products, Machinary & Electronic Equipment & Assemblage Transport, Communication and Public 8 Utilities 1.84 89.60 9 Wholesaler & Retailer 100.67 591.26 158.94 242.86 1301.56 10 Finance, Insurance and Real Estate 2162.03 11 Hotel or Restaurant 8.31 92.65 12 Other Services 17.26 669.60 13 Consumption Loans 14 Local Government 15 Others 29.18 1081.21 65.66 35.46 TOTAL 156.34 686.27 2099.74 2162.03 1081.21 1861.28 1918.42

Product wise credit 1 Term Loan 2 Overdraft 3 Trust Receipt Loan / Import Loan 4 Demand & Other Working Capital Loan Residential Personal Home Loan (Up to 5 Rs. 80 Lakh) 6 Real Estate Loan 7 Margin Nature Loan 8 Hire Purchase Loan 9 Deprived Sector Loan 156.34 686.27 2099.74 2162.03 1861.28 1918.42 10 Bills Purchased 11 Other Product 1081.21 TOTAL LOAN & ADVANCES 156.34 686.27 2099.74 2162.03 1081.21 1861.28 1918.42

Security wise credit 1 Gold and Silver 2 Government Securities 3 Non Governmental Securities 4 Fixed Deposit Receipts 4.1 Own 4.2 Other Licences Institutions 5 Collateral of Properties 73.23 278.31 408.67 110.64 36.10 5.1 Fixed Assets 73.23 278.31 408.67 110.64 36.10 5.2 Current Assets 6 Against security of Bill 6.1 Domestic Bills 6.2 Foreign Bills 7 Against Guarantee 83.12 407.97 1691.08 2162.03 1081.21 1882.32 7.1 Government Guarantee 7.2 Institutional Guarantee 7.3 Personal Guarantee 982.55 7.4 Collective Guarantee 83.12 407.97 1691.08 98.67 1882.32 International Rated Foreign Bank's 7.5 Guarantee 7.6 Other Guarantee 2162.03 8 Credit Card 9 Others 1750.64 Total 156.34 686.27 2099.74 2162.03 1081.21 1861.28 1918.42

79 r Sector wise credit n First First Naya Naya Nepal Nepal Kalika Mithila Nagbeli Summit Mirmire NERUDE Sworojga Sanakisan Janauttha 1 Agricultural and Forest Related 1982.57 76.11 16.44 2.96 5.12 2 Fishery Related 3 Mining Related 0.01 4 Manufacturing (Producing) Related 48.70 2.15 5 Construction 0.24 6 Electricity,Gas and Water 0.16 7 Metal Products, Machinary & Electronic Equipment & Assemblage 22.71 0.08 Transport, Communication and Public 8 Utilities 1.72 9 Wholesaler & Retailer 70.99 9.97 14.21 4.55 10 Finance, Insurance and Real Estate 363.39 0.12 11 Hotel or Restaurant 3.23 16.68 4.64 0.58 0.79 12 Other Services 13 Consumption Loans 14 Local Government 15 Others 586.66 61.08 9.30 0.33 TOTAL 2128.19 586.66 61.08 102.76 363.39 35.28 12.85 15.28

Product wise credit 1 Term Loan 2 Overdraft 3 Trust Receipt Loan / Import Loan 4 Demand & Other Working Capital Loan Residential Personal Home Loan (Up to 5 Rs. 80 Lakh) 6 Real Estate Loan 7 Margin Nature Loan 8 Hire Purchase Loan 9 Deprived Sector Loan 2128.19 586.66 61.08 102.76 363.39 35.28 12.85 15.28 10 Bills Purchased 11 Other Product TOTAL LOAN & ADVANCES 2128.19 586.66 61.08 102.76 363.39 35.28 12.85 15.28

Security wise credit 1 Gold and Silver 2 Government Securities 3 Non Governmental Securities 4 Fixed Deposit Receipts 4.1 Own 4.2 Other Licences Institutions 5 Collateral of Properties 3.59 6.25 5.22 3.23 3.55 5.1 Fixed Assets 3.59 6.25 5.22 3.23 3.55 5.2 Current Assets 6 Against security of Bill 6.1 Domestic Bills 6.2 Foreign Bills 7 Against Guarantee 54.82 102.76 363.39 30.05 9.62 11.73 7.1 Government Guarantee 7.2 Institutional Guarantee 363.39 7.3 Personal Guarantee 54.82 30.05 7.4 Collective Guarantee 102.76 11.73 International Rated Foreign Bank's 7.5 Guarantee 7.6 Other Guarantee 9.62 8 Credit Card 9 Others 2128.19 583.07 Total 2128.19 586.66 61.08 102.76 363.39 35.28 12.85 15.28

80 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

81 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 Housing Development Finance Co.Limited NHDFCL 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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