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J ]Z –Kq K|F]S;L ˚F/Fd k|j]z–kq z]o/wgLsf] gfdM============================================================================= z]o/wgL g+= ======================== z]o/ ;+Vof ========== z]o/wgLsf] b:tvtM -ldlt @)&& ;fn kf}if @& ut] ;f]djf/sf lbg x'g] Pe/]i6 a}+s lnld6]8sf] @^ cf}+ jflif{s ;fwf/0f ;efdf pkl:yt x'g hf/L ul/Psf] k|j]z–kq_ b|i6JoM !_ z]o/wgL cf˚}+n] vfnL sf]i7x¿ eg'{ xf]nf . -;'/]z rfkfufO{+_ @_ ;ef sIfdf k|j]z ug{ of] k|j]z–kq k|:t't ug'{ clgjfo{ 5 . sDkgL ;lrj k|f]S;L ˚f/fd >L ;+rfns ;ldlt Pe/]i6 a}+s lnld6]8 ljifoM k|ltlglw lgo'Qm u/]sf] af/] . dxfzo, ====================================================== lhNnf ========================================================== g=kf=÷ufp“kflnsf j8f g+= ====================== a:g] d÷xfdL ================================================================================ n] To; a}+ssf] z]o/wgLsf] x}l;otn] @^ cf}+ jflif{s ;fwf/0f ;efdf pkl:yt eO{ 5n˚n tyf lg0f{odf ;xefuL x'g g;Sg] ePsf]n] pQm ;efdf efu lng tyf dtbfg ug{sf nflu ========================================================= lhNnf ============================================================= g=kf=÷uf=kf= j8f g+= =============== a:g] To; a}+ssf z]o/wgL >L ========================================================================================, z]o/wgL g+=÷BOID No. ================== ============================================== nfO{ d]/f]÷xfd|f] k|ltlglw dgf]gog u/L k7fPsf] 5'÷5f}+ . k|ltlglw lgo'Qm ePsf] JolQmsf] lgj]bs b:tvtM =========== ============================================ b:tvtM ==================================================== z]o/wgL g+=/BOID No.: ================================== gfdM ====================================================== z]o/ ;+VofM ================================================ 7]ufgfM ======================================================= ldltM ========================================================== z]o/wgL g+=/BOID No.: ================================== z]o/ ;+VofM ================================================= ldltM ========================================================= sDkgL ;lrjsf] b:tvt a}+ssf] 5fk b|:6JoM !_ k|ltlglw -k|f]S;L_ d's// ubf{ z]o/wgL afx]s c¿nfO{ ug{ kfOg] 5}g . @_ k|f]S;L kmf/fd ;fwf/0f ;ef x'g'eGbf $* 306f cufj} lgjf{rg sfof{nodf btf{ ePsf] x'g'kg]{5 . 26TH ANNUAL REPORT 2076/77 (2019/20 AD) | EVEREST BANK LIMITED l I II l EVEREST BANK LIMITED | 26TH ANNUAL REPORT 2076/77 (2019/20 AD) Pe/]i6 a}+s lnld6]8sf] @^ cf}+ jflif{s ;fwf/0f ;ef ;DaGwL ;"rgf o; a}+ssf] ldlt @)&& ;fn dfu{ #) ut] a;]sf] ;+rfns ;ldltsf] #@# cf}+ a}7ssf] lg0f{o cg';f/ @^ cf}+ jflif{s ;fwf/0f ;ef b]xfosf] ldlt, :yfg / ;dodf lgDg k|:tfj pk/ 5nkmn ug{ a:g] ePsf] x'“bf ;j} z]o/wgL dxfg'efjx¿sf] hfgsf/Lsf] nflu of] ;"rgf k|sflzt ul/Psf] 5 . ;ef x'g] ldlt M @)&& ;fn kf}if @& ut] ;f]daf/ -!! hgj/L @)@!_ . :yfg M Pe/]i6 a}+s lnld6]8, s]Gb|Lo sfof{no, nflhDkf6, sf7df8f}+ . ;do M laxfg !!M)) ah] . -;fwf/0f ;ef ZOOM dfkm{t\ ;xefuL x'g] z]o/wgL dxfg'efjx¿nfO{ MEETING ID / PASSWORD pknAw u/fpg] Joj:yf ul/Psf] 5 ._ a}+ssf] @^ cf}+ jflif{s ;fwf/0f ;efsf] 5nkmnsf] ljifo;"rLM != ;+rfns ;ldltsf] tkm{af6 cWoIfHo"sf] k|ltj]bg . @= n]vfk/LIfssf] k|ltj]bg ;lxtsf] n]vfk/LIf0f ul/Psf] @)&& ;fn cfiff9 #! ut]sf] jf;nft, ;f]xL ldltdf ;dfKt cf=j= @)&^÷&& sf] gfkmf gf]S;fg lx;fj tyf ;f]xL cjlwsf] gub k|jfx ljj/0f 5nkmn u/L kfl/t ug]{ . #= ldlt @)&&÷)&÷!( df a;]sf] ;~rfns ;ldltsf] #@@ cf}+ a}7sn], z]o/wgLx¿nfO{ lgDg adf]lhd gub nfef+z tyf af]g; z]o/ k|bfg ug{ l;kmfl/z u/]sf]n] ;f] k|:tfj 5nkmn u/L kfl/t ug]{ . -s_ %∞ sf b/n] af]g; z]o/ hf/L ug]{ – ljz]if k|:tfj, -v_ %=%#∞ gub nfef+z -af]g; z]o/ / gub nfef+zdf nfUg] s/ ;d]t_ ljt/0f ug{ u/]sf] l;kmfl/znfO{ 5nkmn u/L kfl/t ug]{, $= k|aGwkq ;+zf]wg ;DaGwL ljz]if k|:tfj kfl/t ug]{, r'Qmf k"“hL a[l4M -s_ a}+sn] k|:tfljt ¿= $@,#%,!),#$@ a/fa/ af]g; z]o/ hf/L eP kZrft\ r'Qmf k"“hL a[l4 x'g] ePsf]n] r'Qmf k"“hL a[l4 ug{ k|aGwkq ;+zf]wg ug]{ . -v_ g]kfn /fi6« a}+ssf] :jLs[lt adf]lhd ;+:yfks ;d"xsf] z]o/ ;j{;fwf/0f ;d"xdf kl/0ft eP kZrft\ ;+:yfks ;d"x / ;j{;fwf/0f ;d"xsf] z]o/ :jfldTj ;+/rgf kl/jt{g ug{ k|aGwkqsf] bkmf % ;+zf]wg ug]{ . %= ;j{;fwf/0F z]o/wgLx¿sf] tkm{af6 ;~rfns ;ldltdf k|ltlglwTj ug]{ b'O{hgf ;~rfnssf] lgjf{rg ug]{ . ^= cf=a= @)&&÷&* sf] nflu n]vfk/LIfssf] lgo'ltm / lghsf] kfl/>lds tf]Sg] . &= ljljw . ;+rfns ;ldltsf] cf1fn], sDkgL ;lrj 26TH ANNUAL REPORT 2076/77 (2019/20 AD) | EVEREST BANK LIMITED l III jflif{s ;fwf/0f ;ef ;DaGwL ;fdfGo hfgsf/L z]o/ bflvn vf/]h lstfa aGb /xg] a}+ssf] z]o/ bflvn vf/]hsf] sfd @)&& ;fn kf]}if !) ut] b]lv @)&& ;fn kf]}if @& ut];Dd aGb /xg]5 . gf]6M -!_ laZjJofkL ¿kdf km}lnPsf] sf]/f]gf efO/; dxfdf/L /f]syfd tyf lgoGq0fsf nflu g]kfn ;/sf/af6 hf/L ul/Psf :jf:y ;DaGwL lgb]{zg / dfkb08x¿sf] ;Ddfg / kl/kfngf ub}{ cgnfO{g ZOOM dfkm{t\ ;efdf ;xefuL x'g] / cfgf] dGtAo /fVg ;Sg] Joj:yf ldnfOPsf] x'“bf sf]/f]gf efO/;sf] ;+qmd0faf6 aRg / arfpg oyf;So cgnfO{g ZOOM dfkm{t\ pkl:yt eOlbg' x'g ;Dk"0f{ z]o/wgL dxfg'efjx¿nfO{ cg'/f]w 5 . cGo a}+s tyf ljQLo ;+:yfx¿n] ;d]t ZOOM dfkm{t\ ;fwf/0f ;ef ;+rfng u/]sf 5g\ . -@_ ZOOM dfkm{t\ pkl:yt eO{ ;fwf/0f ;efdf pkl:yt eO{ ;fwf/0f ;efdf ;xefuL x'g] z]o/wgL dxfg'efjx¿n] ;ef x'g' eGbf sDtLdf $* 306f cufj} cfgf] z]o/ k|df0fkq jf z]o/ cef}lts/0f ul/;s]sf z]o/wgLx¿sf] xsdf lxtu|fxL (DMAT Account) gDa/, BOID Statement / cfgf] kl/ro v'Ng] -h:t}M gful/stfsf] k|df0fkq jf cGo s'g} kl/ro kq_ sDkgL ;lrjsf] sfof{no jf O{d]n 7]ufgf [email protected] df k7fpg' kg]{ 5 . z]o/wgL dxfg'efjx¿sf] lxtu|fxL (DMAT Account) gDa/, BOID Statement / cfgf] kl/ro v'Ng] -h:t}M gful/stfsf] k|df0fkq jf cGo s'g} kl/ro kq_ k|fKt eP kZrft\ z]o/wgL dxfg'efjx¿nfO{ ZOOM dfkm{t\ ;fwf/0f ;efdf pkl:yt x'gsf nflu cfjZos x'g] MEETING ID / PASSWORD pknAw u/fOg] 5 . (ZOOM) sf] dfkm{t\ ;+rfng x'g] ;fwf/0f ;ef ;DaGwL cGo s'g} lh1f;f ePdf z]o/wgL dxfg'efjx¿n] sDkgL ;lrjsf] ;Dks{ g+ (*%!!)&&^^ df ;Dks{ ug{ ;Sg' x'g]5 . o; a}+ssf z]o/wgL dxfg'efjx¿ afx]s cGo JolQmx¿sf] k|j]z gxf];\ eGg] p2]Zon] ;DalGwt z]o/wgL dxfg'efjx¿nfO{ dfq ;fwf/0f ;ef MEETING ID / PASSWORD pknAw u/fpg] Joj:yf ul/Psf] xf] . -#_ gub nfef+z ;DalGwt z]o/wgL dxfg'efjx¿sf] a}+s vftfdf hDdf ug]{ k|of]hgsf nflu a}+s vftf gePsf z]o/wgL dxfg'efjx¿n] a}+s vftf vf]nL clgjfo{ ¿kdf hfgsf/L u/fO{ lbg' x'g cg'/f]w 5 . a}+s vftf k|fKt eP kZrft\ oyfzL3| z]o/wgL dxfg'efjx¿sf] a}+s vftfdf gub nfef+z hDdf x'g] 5 . -$_ ;fwf/0f ;ef z'¿ x'g' eGbf ! 306f cfufl8af6 ZOOM v'Nnf ul/g] 5 . -%_ z]o/wgL dxfg'efjx¿n] jflif{s k|lta]bg lngsf nflu sf7df8f}+ pkTosfdf /x]sf a}+ssf] zfvf sfof{nox¿ jf s]Gb|Lo sfof{no / sf7df8f}+ pkTosf aflx/sf] xsdf o; a}+ssf d'Vo zx/df /x]sf] zfvf sfof{nox¿df ;Dks{ ug{ ;Sg' x'G5 . IV l EVEREST BANK LIMITED | 26TH ANNUAL REPORT 2076/77 (2019/20 AD) CONTENTS 1. Chairman’s Statement .............................. 2 20. Human Resource Management ............. 113 2. Board of Director's Report ....................... 3 21. Glimpses of 25th Annual General 3. Auditor's Report ....................................... 6 Meeting ............................................... 115 Balance Sheet ....................................8-83 22. Compliance .......................................... 116 4. Statement of Financial Position ................ 8 23. Branchless Banking.............................. 117 5. Statement of Profit or Loss ...................... 9 24. Digital Everest ...................................... 119 6. Statement of Comprehensive Income ..... 10 25. Remittance .......................................... 121 7. Statement of Changes in Equity ............. 11 a. Arrangement with Exchange 8. Statement of Cash Flows ........................ 13 Houses for Remittance/Draft ............ 122 9. Notes to the Financial Statements .......... 15 b. Remittance Payout Locations ............ 124 10. About us ................................................ 84 c. Correspondent Banks ....................... 125 11. Vision, Mission, Motto and 26. Grievance Handling/Customer Queries . 126 Strategic Focus ...................................... 86 27. Banking Operation and Function........... 126 12. Organization Structure ........................... 87 28. Dividend Distribution approval from 13. Awards and Achievements ...................... 88 Nepal Rastra Bank ............................... 127 14. Pioneering Achievements........................ 89 29. Care Ratings Disclosure ....................... 128 15. Product and Services ............................. 90 30. Key Financial Indicators ....................... 129 16. Switch Solution ...................................... 97 31. Board of Directors ............................... 132 17. Corporate Governance ............................ 99 32. Department Heads ............................... 133 18 Risk Management ................................ 107 33. Provincial Heads .................................. 134 19. Corporate Social Responsibility (CSR) .. 111 34. Branch Manager & Offices .................... 135 26TH ANNUAL REPORT 2076/77 (2019/20 AD) | EVEREST BANK LIMITED l 1 CHAIRMAN’S STATEMENT they have been drinking heavily but for the entire Banking and also there were domestic system. violence. On top of it, the Nepal Rastra This loss of remittance from Bank (NRB) wants the Banks abroad can not only result to invest certain percentage in negatively in the Country’s – (a) Agriculture and (b) Small economy, but can also lead to and Cottage Industries with the social upheaval. This is most threat of heavy penalty. worried (in fact frightening). Unfortunately, the Commercial In my earlier Statements I had In the Country itself, because Banks are not organized to do tried to bring to the notice that of long lock-down, the demand such lending.
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