<p><strong>Banking &amp; Financial StatiSticS </strong></p><p>(Monthly) </p><p><strong>(</strong><em>Provisional) </em></p><p></p><ul style="display: flex;"><li style="flex:1">Deposit </li><li style="flex:1">Credit </li></ul><p></p><p>3800 3600 </p><p>3400 </p><p>3200 3000 2800 2600 </p><p>2400 </p><p><strong>3,697 3,255 </strong><br><strong>3,668 3,268 </strong><br><strong>3,614 3,223 </strong><br><strong>3,565 3,189 </strong><br><strong>3,561 3,165 </strong><br><strong>3,475 </strong></p><ul style="display: flex;"><li style="flex:1"><strong>3,445 </strong></li><li style="flex:1"><strong>3,443 </strong></li></ul><p><strong>3,038 </strong><br><strong>3,356 </strong></p><p><strong>2,977 </strong></p><p><strong>3,354 2,914 </strong><br><strong>3,333 2,920 </strong><br><strong>3,210 2,889 </strong></p><p><strong>3,090 </strong></p><p><strong>3,056 </strong><br><strong>Mid Jun&nbsp;Mid Jul&nbsp;Mid Aug&nbsp;Mid Sep&nbsp;Mid Oct&nbsp;Mid Nov&nbsp;Mid Dec&nbsp;Mid Jan&nbsp;Mid Feb&nbsp;Mid Mar&nbsp;Mid Apr&nbsp;Mid May </strong><br><strong>2019 2019 2019 2019 2019 2019 2019 2020 2020 2020 2020 2020 </strong></p><p>Nepal RastRa BaNk </p><p>Banks &amp; Financial Institution Regulation Department </p><p><strong>2077 Baisakh Mid-May, 2020 </strong></p><p><strong>Contents </strong></p><p>Page </p><ul style="display: flex;"><li style="flex:1">1</li><li style="flex:1">1. Explanatory&nbsp;Notes </li></ul><p></p><ul style="display: flex;"><li style="flex:1">2. Major&nbsp;Financial Indicators </li><li style="flex:1">2</li></ul><p></p><p>3. Statement of&nbsp;Assets &amp; Liabilities of Banks &amp; Financial Institutions </p><p>4. Profit&nbsp;&amp; Loss Account&nbsp;of Banks &amp; Financial Institutions <br>37</p><ul style="display: flex;"><li style="flex:1">5. Statement&nbsp;of Sector wise, Product wise and Security wise Credit </li><li style="flex:1">11 </li></ul><p>6. Statement&nbsp;of Assets&nbsp;and Liabilities </p><ul style="display: flex;"><li style="flex:1">a. Commercial&nbsp;Banks </li><li style="flex:1">15 </li></ul><p>17 22 b. Development&nbsp;Banks c. Finance&nbsp;Companies </p><p>7. Profit&nbsp;&amp; Loss Account a. Commercial&nbsp;Banks b. Development&nbsp;Banks c. Finance&nbsp;Companies <br>23 25 28 </p><p>8. Sector-&nbsp;wise, product-wise and security-wise&nbsp;credit </p><ul style="display: flex;"><li style="flex:1">a. Commercial&nbsp;Banks </li><li style="flex:1">31 </li></ul><p>33 36 b. Development&nbsp;Banks c. Finance&nbsp;Companies </p><p>9. Micro-credit&nbsp;Development Banks a. Major&nbsp;Financial Indicators b. Statement&nbsp;of Assets and Liabilities c. Profit&nbsp;&amp; Loss Account <br>39 39 39 39 </p><p>10. Districtwise&nbsp;Branch List </p><p>40 </p><p></p><ul style="display: flex;"><li style="flex:1">42 </li><li style="flex:1">11. Interest&nbsp;Rate Structure of Commercial Banks </li></ul><p></p><p><strong>Annexure </strong></p><p></p><ul style="display: flex;"><li style="flex:1">1. List&nbsp;of Bank and Financial Institutions with Short Name </li><li style="flex:1">Annex 1 </li></ul><p></p><p><strong>Explanatory Notes </strong></p><p><strong>"Banking and Financial Statistics, Monthly" </strong>contains statistical information of NRB licensed </p><p>Banks and Financial Institutions (BFIs). </p><p>123</p><p>Blank spaces in the headings and sub-headings indicate the unavailability of data or nil in transactions or not submitted in prescribed format. The following months of the Gregorian Calendar year are the approximate equivalent of the months of the Nepalese Calendar Year: </p><p><strong>Nepalese Month </strong></p><p>Baisakh Jeth </p><p><strong>Gregorian Month </strong></p><p>Mid-May Mid-June Mid-July Mid-Aug Mid-Sept Mid-Oct <br>Asar Saun Bhadau Asoj Kattik Mangsir <br>Pus <br>Mid-Nov Mid-Dec Mid-Jan </p><ul style="display: flex;"><li style="flex:1">Magh </li><li style="flex:1">Mid-Feb </li></ul><p>Fagun Chait <br>Mid-Mar Mid-Apr </p><p>4</p><p>Statistics of following Licensed BFIs have been used. </p><p></p><ul style="display: flex;"><li style="flex:1"><strong>Commercial Development </strong></li><li style="flex:1"><strong>Finance </strong></li></ul><p><strong>Companies </strong><br><strong>Micro </strong></p><p><strong>–Credits </strong></p><p><strong>Total </strong></p><ul style="display: flex;"><li style="flex:1"><strong>Banks </strong></li><li style="flex:1"><strong>Banks </strong></li></ul><p></p><p>Data available , out of total number Total Number of Licensed BFIs* <br>27 27 <br>23 23 <br>22 22 <br>89 90 <br>161 162 </p><p>* Samjhana Finance Ltd. and Himalaya Finance Ltd. ("C" class Financial Institution ) are in the process of liquidation <br>567<br>All the amount in this statistics are in million of rupees. Short Names of BFIs are used in notification and their full names have been provided in the Annexure -I. Balance Sheet and Profit &amp; Loss Statement of Commercial Bank and Development Bank is based on NFRS reporting whereas Finance Company is based on NAS. </p><p>1</p><p><strong>Major Financial Indicators </strong></p><p>as on Baisakh End, 2077 (Mid-May, 2020) </p><p></p><ul style="display: flex;"><li style="flex:1"><strong>Class "A" </strong></li><li style="flex:1"><strong>Class "B" </strong></li><li style="flex:1"><strong>Class "C" </strong></li><li style="flex:1"><strong>Overall </strong></li></ul><p></p><p><strong>A. Credit,&nbsp;Deposit Ratios (%) </strong></p><p>12</p><ul style="display: flex;"><li style="flex:1">92.86 </li><li style="flex:1">11.47 </li></ul><p>9.71 </p><ul style="display: flex;"><li style="flex:1">2.40 </li><li style="flex:1">106.73 </li><li style="flex:1">Total Deposit/GDP </li></ul><p>82.09 88.40 75.26 47.44 31.67 <br>9.42 <br>2.15 <br>89.69 73.19 53.85 28.38 <br>0.37 <br>93.95 88.03 74.84 47.36 31.38 <br>9.33 <br>Total Credit/GDP </p><ul style="display: flex;"><li style="flex:1">3</li><li style="flex:1">84.64 </li></ul><p>74.23 45.33 29.64 10.44 14.42 <br>1.48 <br>Total Credit/ Total Deposit CCD Ratio<sup style="top: -0.36em;"># </sup><br>45678<br>Fixed Deposit/Total Deposit Saving Deposit/Total Deposit Current Deposit/Total Deposit Call Deposit/Total Deposit <br>10.41 <br>1.72 <br>13.33 <br>6.76 <br>10.91 <br>1.81 <br>NPL/ Total Loan <sup style="top: -0.36em;">@ </sup><br>910 11 </p><ul style="display: flex;"><li style="flex:1">2.14 </li><li style="flex:1">11.45 </li></ul><p>9.75 </p><ul style="display: flex;"><li style="flex:1">8.82 </li><li style="flex:1">3.26 </li><li style="flex:1">Total LLP @ /Total Loan </li></ul><p>Deprived Sector Loan/Total Loan <sup style="top: -0.4em;">$ </sup></p><p>@</p><p></p><ul style="display: flex;"><li style="flex:1">6.47 </li><li style="flex:1">8.44 </li><li style="flex:1">6.85 </li></ul><p></p><p><strong>B. Liquidity&nbsp;Ratios (%) </strong></p><p>123<br>9.22 <br>13.70 24.38 <br>9.14 5.69 <br>26.72 <br>12.21 11.35 32.92 <br>9.28 <br>12.79 24.82 <br>Cash &amp; Bank Balance/Total Deposit Investment in Gov. Securities/Total Deposit Total Liquid Assets/Total Deposit </p><p><strong>C. Capital&nbsp;Adequacy Ratios (%)</strong><sup style="top: -0.5em;"><strong>@ </strong></sup></p><p>12<br>11.23 13.38 <br>13.11 14.22 <br>18.62 19.99 <br>11.55 13.59 <br>Core Capital/RWA Total Capital/RWA </p><p><strong>D. Financial&nbsp;Access </strong></p><p>12</p><ul style="display: flex;"><li style="flex:1">No. of institutions </li><li style="flex:1">27 </li></ul><p>4,219 <br>23 <br>1,216 <br>22 <br>239 <br>72 </p><ul style="display: flex;"><li style="flex:1">5,674 </li><li style="flex:1">No. of Branches </li></ul><p>No. of Deposit Accounts<sup style="top: -0.36em;">@ </sup>No.of Loan Accounts<sup style="top: -0.36em;">@ </sup></p><ul style="display: flex;"><li style="flex:1">3</li><li style="flex:1">26,568,299 </li></ul><p>1,150,750 <br>1,586 </p><ul style="display: flex;"><li style="flex:1">4,668,363 </li><li style="flex:1">649,117 </li><li style="flex:1">31,885,779 </li></ul><p>1,525,435 <br>1,586 </p><ul style="display: flex;"><li style="flex:1">4</li><li style="flex:1">329,196 </li><li style="flex:1">45,489 </li></ul><p>No. of Branchless Banking Centers<sup style="top: -0.36em;">@ </sup>No. of Branchless Banking Customers<sup style="top: -0.36em;">@ </sup>No. of Mobile Banking Customers<sup style="top: -0.36em;">@ </sup>No. of Internet Banking Customers<sup style="top: -0.36em;">@ </sup>No. of ATMs<sup style="top: -0.36em;">@ </sup></p><ul style="display: flex;"><li style="flex:1">5</li><li style="flex:1">-</li><li style="flex:1">-</li></ul><p></p><ul style="display: flex;"><li style="flex:1">6</li><li style="flex:1">190,250 </li></ul><p>9,465,648 <br>959,636 <br>3,566 <br>-<br>1,118,251 <br>27,334 <br>328 <br>-<br>86,173 <br>5,754 <br>51 <br>190,250 <br>10,670,072 <br>992,724 <br>3,945 <br>789<br>No. of Debit Cards<sup style="top: -0.36em;">@ </sup><br>10 11 12 <br>6,943,150 <br>156,749 <br>65,530 <br>269,319 <br>-<br>30,684 <br>-<br>7,243,153 <br>156,749 <br>65,530 <br>No. of Credit Cards<sup style="top: -0.36em;">@ </sup>No. of Prepaid Cards<sup style="top: -0.36em;">@ </sup></p><ul style="display: flex;"><li style="flex:1">-</li><li style="flex:1">-</li></ul><p></p><p><strong>E. Interest&nbsp;Rate(%) </strong></p><p><strong>Wt. Avg Interest Rate on Deposit </strong></p><p>1</p><p><strong>6.44 </strong></p><p>4.27 9.45 </p><p>(a) Saving (b) Fixed (c) Call </p><p>2.83 </p><p><strong>Wt. Avg Interest Rate on Credit </strong></p><p>2</p><p><strong>10.99 </strong></p><p>Note: Bank balance includes money at call Nominal GDP(At Producer's Price) for 2018/19 Rs. 34,64,319 million(Preliminary) Negative core capital has been excluded in calculation of Capital Adequacy Ratios $ 6 months prior Total Loan is taken to calculate Deprived Sector Lending Ratio # Baisakh month end (last day) CCD ratio @ Data as on 3rd Quarter of FY2076/77 (2019/20) </p><p>2</p><p><strong>Statement of&nbsp;Assets and Liabilities of Banks &amp; Financial Institutions (Aggregate) </strong><br><strong>Mid-July </strong><br><strong>2018 </strong></p><p><strong>2</strong></p><p><strong>Mid-Apr </strong><br><strong>2020 </strong></p><p><strong>Mid-May </strong><br><strong>2020 </strong></p><p><strong>Liabilities </strong></p><p><strong>% Change </strong></p><p><strong>2017 </strong></p><p><strong>1</strong></p><p><strong>2019 </strong></p><p><strong>3</strong></p><p>446,402 305,885 <br>76,174 <br>4,538 <br>59,805 90,729 22,927 34,286 <br>3,299 </p><p></p><ul style="display: flex;"><li style="flex:1"><strong>4</strong></li><li style="flex:1"><strong>5</strong></li><li style="flex:1"><strong>2/1 </strong></li><li style="flex:1"><strong>3/2 </strong></li><li style="flex:1"><strong>5/4 </strong></li></ul><p></p><p>0.22 0.00 </p><p><strong>12</strong><br><strong>CAPITAL FUND </strong></p><p>308,652 225,314 <br>53,665 (3,005) 32,678 31,800 <br>7,094 </p><ul style="display: flex;"><li style="flex:1">370,014 </li><li style="flex:1">483,713 </li></ul><p>328,811 <br>92,259 <br>4,340 <br>58,304 <br>112,277 <br>20,140 27,106 <br>9,406 <br>484,783 328,811 <br>91,774 <br>2,716 <br>61,482 <br>119,201 <br>20,318 30,531 10,509 <br>2,778 <br>55,065 <br>3,697,390 <br>344,863 <br>1,160,068 1,751,030 <br>403,227 <br>38,202 <br>1,838 <br>19.88 25.25 18.80 <br>20.64 <br>8.39 <br>19.48 </p><p>a. Paid-up Capital b. Statutory Reserves c. Retained Earning d. Others Reserves </p><p><strong>BORROWINGS </strong></p><p>a. NRB b. "A"Class Licensed Institution c. Foreign Banks and Fin. Ins. d. Other Financial Ins. e. Bonds and Securities </p><p><strong>DEPOSITS </strong></p><p>282,196 <br>63,756 (1,932) 25,995 35,453 12,122 <br>8,583 <br>-0.53 <br>-35.71 -334.90&nbsp;-37.43 -20.45 130.07 11.49 155.92 <br>5.45 6.17 0.88 <br>12.64 11.73 <br>3.72 </p><ul style="display: flex;"><li style="flex:1">70.87 </li><li style="flex:1">89.14 </li></ul><p></p><ul style="display: flex;"><li style="flex:1">9,094 </li><li style="flex:1">-5.62 299.48 </li></ul><p></p><ul style="display: flex;"><li style="flex:1">-</li><li style="flex:1">-</li><li style="flex:1">0.00 </li><li style="flex:1">0.00 </li></ul><p></p><ul style="display: flex;"><li style="flex:1">5,299 </li><li style="flex:1">2,436 </li><li style="flex:1">3,283 </li><li style="flex:1">2,678 </li><li style="flex:1">-54.04 </li><li style="flex:1">34.79 </li></ul><p>10,312 <br>2,384,807 <br>204,361 816,572 998,259 333,350 <br>32,265 <br>2,219 <br>12,312 <br>2,836,930 <br>256,809 947,024 <br>1,229,731 <br>367,597 <br>35,770 <br>3,109 <br>26,935 <br>3,354,428 <br>311,505 <br>1,060,516 1,526,497 <br>417,390 <br>38,519 <br>2,309 <br>52,947 <br>3,668,171 <br>302,758 <br>1,139,865 1,779,234 <br>404,340 <br>41,974 <br>2,159 </p><ul style="display: flex;"><li style="flex:1">19.39 118.76 </li><li style="flex:1">4.00 </li></ul><p>0.80 </p><p><strong>3</strong></p><p>18.96 25.66 15.98 23.19 10.27 10.86 <br>18.24 21.30 11.98 24.13 13.55 <br>7.69 </p><p>a. Current b. Savings c. Fixed </p><p>13.91 <br>1.77 -1.59 -0.28 -8.99 </p><p>d. Call Deposits e. Others </p><p></p><ul style="display: flex;"><li style="flex:1"><strong>Bills Payable </strong></li><li style="flex:1"><strong>4</strong></li></ul><p><strong>5</strong></p><p>40.09 -25.72 -14.88 </p><p><strong>Other Liabilities </strong></p><p>1. Loan Loss Provision 2. Interest Suspense a/c 3. Others </p><p><strong>Reconcillation A/c Profit &amp; Loss A/c </strong><br><strong>TOTAL </strong></p><p>224,201 <br>52,553 34,892 <br>136,756 <br>2,359 <br>263,876 <br>55,009 37,705 <br>171,163 <br>4,265 <br>303,249 <br>54,893 20,271 <br>228,085 <br>15,556 73,519 </p><p><strong>4,286,193 </strong></p><p>392,517 <br>69,003 28,113 <br>295,401 <br>3,342 <br>433,582 <br>69,926 31,393 <br>332,264 <br>3,348 <br>17.70 <br>4.67 8.06 -46.24 <br>25.16 33.26 80.84 264.72 <br>14.92 -0.21 <br>10.46 <br>1.34 <br>11.67 12.48 <br>0.16 </p><p><strong>67</strong></p><p>54,882 </p><p><strong>3,008,920 </strong></p><p>61,338 </p><p><strong>3,574,985 </strong></p><p>50,983 </p><p><strong>4,713,162 </strong></p><p>55,158 </p><p><strong>4,795,300 </strong></p><p>11.76 </p><p><strong>18.81 </strong></p><p>19.86 </p><p><strong>19.89 </strong></p><p>8.19 </p><p><strong>1.74 </strong></p><p><strong>Assets </strong></p><ul style="display: flex;"><li style="flex:1"><strong>1</strong></li><li style="flex:1"><strong>LIQUID FUNDS </strong></li></ul><p></p><p>a. Cash Balance <br>Nepalese Notes &amp; Coins Foreign Currency b. Bank Balance <br>1. In Nepal Rastra Bank 2. "A"Class Licensed Institution 3. Other Financial Ins. 4. In Foreign banks c. Money at Call </p><p><strong>INVESTMENTS </strong></p><p>a. Govt.Securities b Others </p><p>423,242 <br>64,373 63,283 <br>1,090 <br>305,795 233,257 <br>38,882 <br>6,369 <br>27,287 53,074 <br>232,707 214,381 <br>18,326 <br>129,938 <br>439,299 <br>74,893 72,208 <br>2,685 <br>298,098 218,135 <br>41,055 <br>7,557 <br>31,352 66,307 <br>331,231 295,854 <br>35,377 <br>109,665 <br>466,279 <br>92,563 84,640 <br>7,923 <br>295,862 215,138 <br>29,036 13,010 38,678 77,853 <br>375,402 374,262 <br>1,140 <br>438,901 <br>97,726 85,287 12,439 <br>250,597 172,331 <br>23,525 <br>9,533 <br>45,209 90,578 <br>409,640 408,300 <br>1,340 <br>444,907 <br>82,869 73,776 <br>3.79 <br>16.34 14.10 <br>6.14 <br>23.59 -15.20 17.22 -13.50 <br>1.37 <br>9,092 146.37&nbsp;195.09 -26.90 <br>260,236 190,798 <br>19,592 <br>7,714 <br>42,131 <br>101,803 474,751 472,810 <br>1,941 <br>-2.52 -6.48 <br>-0.75 -1.37 <br>3.85 <br>10.72 <br>5.59 -29.28 -16.72 <br>18.65 14.89 24.93 42.34 38.00 <br>72.16 -19.07 23.37 17.41 13.34 26.50 <br>-6.81 12.39 15.89 15.80 44.84 -1.52 </p><p><strong>2</strong></p><p>93.05 -96.78 -15.60 </p><p><strong>34</strong><br><strong>SHARE &amp; OTHER INVESTMENT LOANS &amp; ADVANCES (Including Bills Purchased) </strong></p><p></p><ul style="display: flex;"><li style="flex:1">186,189 </li><li style="flex:1">181,505 </li><li style="flex:1">178,751 </li><li style="flex:1">69.78 </li></ul><p>1,994,078 1,976,880 1,923,942 <br>44,543 <br>8,394 <br>2,422,798 2,419,842 2,355,915 <br>58,056 <br>5,871 <br>2,913,970 2,910,511 2,819,279 <br>86,056 <br>5,176 <br>3,267,676 3,264,098 3,147,504 <br>112,717 <br>3,877 <br>3,254,715 3,251,196 3,141,502 <br>106,394 <br>3,300 <br>21.50 22.41 22.45 30.34 <br>20.27 20.28 19.67 48.23 <br>-0.40 -0.40 -0.19 -5.61 </p><p><strong>4.1 LOANS &amp; ADVANCES </strong></p><p>a. Private Sector b. Financial Institutions c. Government Organizations </p><p><strong>4.2 BILLS PURCHASED LOANS AGT. COLLECTED BILLS FIXED ASSETS </strong></p><p>-30.06 -11.83 -14.89 -82.81 -77.46 -100.00 17.54 24.49 14.98 27.28 <br>17,199 <br>571 <br>2,956 <br>129 <br>3,459 <br>-<br>3,578 <br>-<br>3,520 <br>-</p><ul style="display: flex;"><li style="flex:1">17.03 </li><li style="flex:1">-1.62 </li></ul><p>0.00 0.81 <br>13.01 -0.35 19.80 </p><p><strong>567</strong></p><p>40,634 <br>166,139 <br>37,666 <br>128,473 <br>279 <br>47,763 <br>206,834 <br>43,309 <br>163,525 <br>264 <br>71,420 <br>253,949 <br>46,171 <br>207,777 <br>26 <br>77,263 <br>315,698 134,353 140,798 <br>173 <br>77,888 <br>356,763 133,889 168,683 <br>144 <br>49.53 22.78 <br>6.61 </p><p><strong>OTHER ASSETS </strong></p><p>a. Accrued Interests b. Others </p><p><strong>Expenses not Written off Non Banking Assets </strong></p><p>27.06 </p><p><strong>89</strong></p><p>-5.36 -89.99 -16.88 </p><ul style="display: flex;"><li style="flex:1">3.33 </li><li style="flex:1">4,465 </li><li style="flex:1">4,614 </li><li style="flex:1">5,716 </li><li style="flex:1">6,645 </li><li style="flex:1">6,643 </li><li style="flex:1">23.87 </li><li style="flex:1">-0.04 </li></ul><p></p><p><strong>10 Reconcillation&nbsp;Account 11 Profit&nbsp;&amp; Loss A/c </strong><br><strong>TOTAL </strong></p><p>16,631 <br>235 </p><p><strong>3,008,920 </strong></p><p>12,389 <br>1</p><p><strong>3,574,985 </strong></p><p>13,167 <br>75 </p><p><strong>4,286,193 </strong></p><p>15,105 <br>557 </p><p><strong>4,713,162 </strong></p><p>221 516 </p><p><strong>4,795,300 </strong></p><p>-25.51 </p><p>-99.69 10417.22 </p><p><strong>18.81 19.89 </strong></p><p>6.28 -98.53 <br>-7.29 </p><p><strong>1.74 </strong></p><p>3</p><p><strong>Statement of&nbsp;Assets and Liabilities of Commercial Banks </strong><br><strong>Mid-July </strong><br><strong>2018 </strong><br><strong>Mid-Apr </strong><br><strong>2020 </strong></p><p><strong>Mid-May </strong><br><strong>2020 </strong></p><p><strong>Liabilities </strong></p><p><strong>% Change </strong></p><p><strong>2017 </strong></p><p><strong>1</strong></p><p><strong>2019 </strong></p><p></p><ul style="display: flex;"><li style="flex:1"><strong>3</strong></li><li style="flex:1"><strong>2</strong></li><li style="flex:1"><strong>4</strong></li><li style="flex:1"><strong>5</strong></li><li style="flex:1"><strong>2/1 </strong></li><li style="flex:1"><strong>3/2 </strong></li><li style="flex:1"><strong>5/4 </strong></li></ul><p></p><p>0.29 0.00 -0.41 <br>-20.43 <br>5.49 </p><p><strong>12</strong><br><strong>CAPITAL FUND </strong></p><p>262,230 185,011 <br>46,702 <br>891 <br>29,627 29,667 <br>6,081 7,974 <br>-<br>5,299 <br>10,312 <br>2,093,256 <br>199,360 703,029 879,140 285,289 <br>26,438 <br>2,179 <br>190,587 <br>41,453 26,199 <br>122,935 <br>(2,298) 45,610 </p><p><strong>2,621,230 </strong></p><p>314,190 231,458 <br>56,203 <br>3,053 <br>23,477 33,552 11,690 <br>7,113 <br>385,245 252,260 <br>67,359 <br>8,249 <br>57,377 82,024 21,327 27,181 <br>3,299 <br>421,390 277,155 <br>82,927 <br>6,955 <br>54,352 <br>106,392 <br>19,274 22,436 <br>9,406 <br>422,612 277,155 <br>82,588 <br>19.81 25.10 20.34 <br>22.62 <br>8.99 <br>19.85 </p><p>a. Paid-up Capital b. Statutory Reserves c. Retained Earning d. Others Reserves </p><p><strong>BORROWINGS </strong></p><p>a. NRB b. "A"Class Licensed Institution c. Foreign Banks and Fin. Ins. d. Other Financial Ins. e. Bonds and Securities </p><p><strong>DEPOSITS </strong></p><p>a. Current b. Savings c. Fixed d. Call Deposits e. Others </p><p><strong>Bills Payable Other Liabilities </strong></p><p>1. Loan Loss Provision 2. Interest Suspense a/c 3. Others </p><p><strong>Reconcillation A/c Profit &amp; Loss A/c </strong><br><strong>TOTAL </strong></p><p>5,534 242.69&nbsp;170.19 <br>57,335 <br>114,092 <br>18,351 27,840 10,509 <br>-20.76 144.40 13.09 144.47 92.25 -10.80 282.13 <br>0.00 <br>7.24 </p><ul style="display: flex;"><li style="flex:1">82.43 </li><li style="flex:1">-4.79 </li></ul><p>24.09 11.73 <br>3.72 3.83 0.84 </p><ul style="display: flex;"><li style="flex:1">-</li><li style="flex:1">0.00 </li></ul><p></p><ul style="display: flex;"><li style="flex:1">34.79 </li><li style="flex:1">2,436 </li><li style="flex:1">3,283 </li><li style="flex:1">2,678 </li><li style="flex:1">2,778 </li></ul><p>54,615 <br>-54.04 </p><ul style="display: flex;"><li style="flex:1">19.39 118.76 </li><li style="flex:1">12,312 </li></ul><p>2,471,514 <br>249,248 811,668 <br>1,070,788 <br>308,550 <br>31,261 <br>3,050 <br>228,764 <br>44,118 28,593 <br>156,052 <br>(432) <br>26,935 <br>2,880,092 <br>301,550 901,359 <br>1,308,269 <br>336,801 <br>32,114 <br>2,239 <br>264,670 <br>42,916 10,597 <br>211,156 <br>8,608 <br>52,599 <br>3,190,249 <br>293,068 990,438 <br>1,534,162 <br>337,465 <br>35,116 <br>2,123 <br>356,966 <br>58,825 16,745 <br>281,395 <br>3,313 </p><p><strong>3</strong></p><p>3,217,003 <br>303,062 <br>1,018,726 1,526,194 <br>334,853 <br>34,168 <br>1,818 <br>393,063 <br>59,211 18,518 <br>315,334 <br>3,413 <br>49,661 </p><p><strong>4,201,661 </strong></p><p>18.07 25.02 15.45 21.80 <br>8.15 <br>16.53 20.98 11.05 22.18 <br>9.16 <br>3.41 2.86 -0.52 -0.77 -2.70 <br>-14.36 10.11 <br>0.66 <br>10.58 12.06 <br>3.02 <br>18.24 40.00 -26.59 <br>2.73 </p><p><strong>45</strong></p><p>20.03 <br>6.43 9.14 -62.94 <br>26.94 35.31 </p><p>-81.22 -2094.36 </p><p>15.70 -2.72 </p><p><strong>67</strong></p><p>53,633 </p><p><strong>3,104,271 </strong></p><p>64,456 </p><p><strong>3,687,334 </strong></p><p>45,649 </p><p><strong>4,126,082 </strong></p><p>17.59 </p><p><strong>18.43 </strong></p><p>20.18 </p><p><strong>18.78 </strong></p><p>8.79 </p><p><strong>1.83 </strong></p><p><strong>Assets </strong></p><ul style="display: flex;"><li style="flex:1"><strong>1</strong></li><li style="flex:1"><strong>LIQUID FUNDS </strong></li></ul><p></p><p>a. Cash Balance <br>Nepalese Notes &amp; Coins Foreign Currency b. Bank Balance <br>1. In Nepal Rastra Bank 2. "A"Class Licensed Institution 3. Other Financial Ins. 4. In Foreign banks c. Money at Call </p><p><strong>INVESTMENTS </strong></p><p>a. Govt.Securities b Others </p><p>335,601 <br>56,469 55,472 <br>997 <br>261,547 218,402 <br>15,694 <br>227 <br>27,224 17,585 <br>226,811 208,700 <br>18,111 <br>126,101 <br>328,307 <br>66,242 63,741 <br>2,501 <br>244,464 201,684 <br>11,245 <br>192 <br>31,344 17,601 <br>321,107 285,850 <br>35,257 <br>103,824 <br>348,011 <br>82,456 74,684 <br>7,772 <br>242,924 196,554 <br>7,476 <br>328,001 <br>88,166 75,944 12,223 <br>208,368 155,797 <br>7,126 <br>343,441 <br>73,683 64,647 <br>-2.17 17.31 14.91 <br>6.00 <br>24.48 17.17 <br>4.71 <br>-16.43 -14.87 -26.07 <br>7.00 <br>11.58 -6.01 18.68 -6.81 48.75 13.46 13.49 -0.93 -1.58 <br>9,036 150.87&nbsp;210.80 <br>222,949 173,841 <br>6,698 <br>-6.53 -7.65 <br>-28.35 -33.51 -15.65 15.13 <br>0.09 <br>41.57 36.97 <br>-0.63 -2.54 </p>