Deposit/Credit of Commercial Banks ( )

Transcription

1 billion Rs. in Deposit/Credit of Commercial Banks ( ) Deposit Credit

2 BANKING AND FINANCIAL STATISTICS MID JULY, 2011 NO. 57 NEPAL RASTRA BANK BANK & FINANCIAL INSTITUTION REGULATION DEPARTMENT STATISTICS DIVISION

3 CONTENTS Page No. Explanatory Notes 1 Highlights on Performance of Banks and Non-Bank Financial Institutions 2 List of Tables Class 'A' - Commercial Banks 1 Financial System at a Glance 11 2 Major Indicators of Commercial Bank 12 3 Statement of & Liabilities of Commercial Bank (Aggregate) 13 4 Some Ratios of Commercial Banks 14 5 Capital fund to Risk Weighted of Commercial Banks 15 6 Non Performing Loan Status of Commercial Banks 16 7 Statement of & Liabilities of Nepal Bank Ltd Statement of & Liabilities of Rastriya Banijya Bank 18 9 Statement of & Liabilities of NABIL Bank Ltd Statement of & Liabilities of Nepal Investment Bank Ltd Statement of & Liabilities of Standard Chartered Bank Nepal Ltd Statement of & Liabilities of Himalayan Bank Ltd Statement of & Liabilities of Nepal SBI Bank Ltd Statement of & Liabilities of Nepal Bangladesh Bank Ltd Statement of & Liabilities of Everest Bank Ltd Statement of & Liabilities of Bank of Kathmandu Ltd Statement of & Liabilities of Nepal Credit & Commercial Bank Ltd Statement of & Liabilities of Nepal Industrial & Commercial Bank Ltd Statement of & Liabilities of Lumbini Bank Ltd Statement of & Liabilities of Machhapuchhre Bank Ltd Statement of & Liabilities of Kumari Bank Ltd Statement of & Liabilities of Laxmi Bank Ltd Statement of & Liabilities of Siddhartha Bank Ltd Statement of & Liabilities of Agricultural Development Bank Ltd Statement of & Liabilities of Global Bank Ltd Statement of & Liabilities of Citizens Bank International Ltd Statement of & Liabilities of Prime Commercial Bank Ltd Statement of & Liabilities of Bank of Asia Nepal Ltd Statement of & Liabilities of Sunrise Bank Ltd Statement of & Liabilities of Development Credit Bank Ltd Statement of & Liabilities of NMB Bank Ltd Statement of & Liabilities of Kist Bank Ltd. 42

4 33 Statement of & Liabilities of Janata Bank Nepal Ltd. 34 Statement of & Liabilities of Mega Bank Nepal Ltd. 35 Statement of & Liabilities of Commerz and Trust Bank Nepal Ltd. 36 Statement of & Liabilities of Civil Bank Ltd. 37 Statement of & Liabilities of Century Commercial Bank Ltd. 38 Profit & Loss Account of Commercial Banks 39 Sector wise Loan and Advances of Commercial Banks 40 Product wise Loan and Advances of Commercial Banks 41 Deprived Sector Loan Statement of Commercial Banks 42 Loan to Public Enterprises of Commercial Banks 43 List of Class 'A' Licensed Financial Institutions (Commercial Banks) 44 Branches of Commercial Banks Class 'B' - Development Banks 45 Statement of & Liabilities of Development Bank (Aggregate) 46 Statement of & Liabilities of Development Banks 47 Sector wise Outstanding Credits of Development Banks 48 Non Performing Loan Status of Development Banks 49 List of Class 'B' Licensed Financial Institutions (Development Banks) Class 'C' - Finance Companies 50 Statement of & Liabilities of Finance Companies (Aggregate) 51 Statement of & Liabilities of Finance Companies 52 Sector wise Outstanding Credits of Finance Companies 53 NPL Status of Finance Companies 54 List of Class 'C' Licensed Financial Institutions (Finance Companies) Class 'D' - Rural Development Banks, Micro Credit Development Banks 55 Statement of & Liabilities of MFDB & RDB (Aggregate) 56 Statement of & Liabilities of MFDB & RDB

5 Explanatory Notes 1. This issue of "Banking and Financial Statistics, Mid-July 2011, Issue No. 57" contains statistical information of NRB licensed Banks and Non-bank Financial Institutions. 2. This bulletin consists of 56 tables and a brief explanation on performance of NRB licensed banks and financial institutions. 3. The figures published in this bulletin are based on the actual monthly and quarterly returns of the banks and non-bank financial institutions. 4. Efforts have been made to present current data for mid-july Blank space in the heading and sub heading indicates the not availability of data or nil in transaction. 6. Because of subsequent revisions, differences with previously published figures are at times unavoidable. 7. The totals in the tables may not exactly tally with the sum of the constituent items due to rounding of the figures. 8. The following months of the Gregorian Calendar year are the approximate equivalent of the months of the Nepalese Calendar Year: Gregorian Month Mid-Apr/Mid-May Mid-May/Mid-June Mid-June/Mid-July Mid-July/Mid-Aug Mid-Aug /Mid-Sept Mid-Sept/Mid-Oct Mid-Oct/Mid-Nov Mid-Nov/Mid-Dec Mid-Dec/Mid-Jan Mid-Jan/Mid-Feb Mid-Feb/Mid-Mar Mid-Mar/Mid-Apr Nepalese Month Baisakh Jestha Ashadh Shrawan Bhadra Ashwin Kartik Marga Poush Magh Falgun Chaitra 9. It is expected that this publication will be of immense use to the researchers and all concerned people in the field of banking, management, economics and statistics. 1

6 Highlights on Performance of Banks and Non-Bank Financial Institutions Financial Sector at a Glance 1. The history of financial system of Nepal was begun in 1937 with the establishment of the Nepal Bank Ltd. as the first commercial bank of Nepal with the joint ownership of government and general public. Nepal Rastra Bank was established after 19 years since the establishment of the first commercial bank. A decade after the establishment of NRB, Rastriya Banijya Bank, a commercial bank under the ownership of Government Nepal was established. 2. In the context of banking development, the 1980s saw a major structural change in financial sector policies, regulations and institutional developments. Government emphasized the role of the private sector for the investment in the financial sector. With the adoption of the financial sector liberalization by the government in 80's opened the door for foreign Banks to open Joint venture Banks in Nepal. As a result, various banking and non-banking financial institutions have come into existence. Nabil Bank Limited, the first foreign joint venture bank of Nepal, started operations in July During two decades, Nepal witnessed tremendous increment in number of financial institutions. Nepalese banking system has now a wide geographic reach and institutional diversification. 3. Consequently, by the end of mid July 2011, altogether 272 banks and non- bank financial institutions licensed by NRB are in operation. Out of them, 31 are A class commercial banks, 87 B class development banks, 79 C class finance companies, 21 D class micro-credit development banks, 16 saving and credit co-operatives and 38 NGOs. In mid- July 2011, the commercial banks branches reached to 1245 with the population of twenty one thousand per branch. Present development of financial institutions in Nepal is reflected in table below. Growth of Financial Institutions Types of Financial Mid - July Institutions Commercial Banks Development Banks Finance Companies Micro-finance Development Banks Saving & Credit Cooperatives Limited Banking Activities) NGOs (Financial Intermediaries)

7 4. As of Mid July 2011, Commercial Bank group occupied 75.3 percent of total assets/liabilities followed by Development Banks 12.0 percent, Finance Companies 10.9 percent and Micro-finance Development Bank 1.8 percent. In Mid July 2010, the respective shares were 76.7, 10.6, 10.9 and 1.8 percent respectively as presented in Table 1. Figure 1 /Liabilities Structure 5. The composition of the total liabilities shows as usual, deposit held dominant share of 74.9 percent followed by other Liabilities 12.0 percent Capital fund by 9.1 percent and borrowings by 4.0 percent respectively in Mid July Likewise in the assets side, loan and advances accounted the largest share of 61.6 percent followed by investments 14.0 percent, liquid fund 13.0 percent and others 11.4 percent in the same period as shown in figure below. Figure 2 Composition of /Liabilities of Financial System as on Mid-July, 2011 Figure 2 (a) Figure 2 (b) 6. Commercial Banks held dominant share on the major balance sheet components of financial system. Of the total deposits Rs. 873,489 million in Mid - July 2011, the commercial banks occupied 78.7 percent. Similarly, development banks held 11.1 percent, finance companies 9.8 percent and micro finance development banks 0.4 percent. Likewise, on the loans and advances the share of commercial banks stood 3

8 at 73.5 percent, development banks 12.4 percent, finance companies 12.1 percent and micro finance development banks 2 percent in Mid - July In the same year the share of commercial banks in the borrowings, liquid funds and investments constitute 52.8 percent, 64.8 percent and 91.8 percent respectively as reflected in Table The capital fund, one of the components of liabilities, witnessed a significant growth of 36.9 percent and reached to Rs. 105,816 million in Mid - July 2011 from Rs.77,264 million in mid July The borrowings, deposit and other liabilities increased by 23.8 percent, 10.8 percent 14.0 percent respectively compared to Mid - July Similarly loans and advances, the major component of assets increased by 15.8 percent and reached to Rs. 718,674 million in Mid - July 2011 from Rs. 620,837 million in mid July Likewise investment increased by 10.2 percent while liquid fund decreased by 0.8 percent in Mid July 2011 compared to the previous period as shown in Table 1. Growth of Major Balance-Sheet Indicators (%) Mid- July Particulars Capital Fund Borrowings Deposits Liquid Funds Investment Loans & Advances Commercial Banks 8. The number of commercial bank branches operating in the country increased to 1245 in Mid July 2011 from 980 in mid July Among the total bank branches, 50.5 percent bank branches are concentrated in the central region followed by Western18.0 percent, Eastern 17.3 Mid Western 8.0 percent and Far Western 6.0 percent respectively as presented in Table Entry of new banks in financial system along with increased in the business, the total assets i.e. sources of fund of commercial banks increased by 11.6 percent compared to decrement by 3.0 percent in the previous year. By the end of this fiscal year, the total assets of commercial banking sector reached to Rs.878,364 million from Rs 787,301 million in the last period as shown in Table The share of loans and advances to total assets remained 60.1 percent in Mid - July Similarly, share of investment and liquid funds to total assets registered 17.0 percent and 11.2 percent respectively as represented in Table 3. 4

9 11. The composition of liabilities of commercial banks shows that, the deposit has occupied the dominant share of 78.3 percent followed by others 12.2 percent capital fund 6.7 percent and Borrowings 2.8 percent in the Mid - July 2011 as reflected in Table 3. Figure 3 Composition of /Liabilities of Commercial Banks as on Mid- July 2011 Figure 3 (a) Figure 3 (b) 12. In the Mid - July 2011, the loans and advances increased marginally at lower rate of 12.4 percent compare to 16.8 percent in Mid - July By the end of Mid - July 2011, the total outstanding amount of loans and advances including Bills Purchase and Loan against Collected Bills of commercial banks reached to Rs. 528,023 million. It was Rs. 469,378 million in Mid - July 2010 as shown in Table The total investment including share & other investment of commercial banks in Mid - July 2011 increased by 11.6 percent and remained to Rs. 149,557 million from Rs. 134,041 million in Mid - July Similarly liquid fund decreased by 4.6 percent and amounted to Rs. 98,072 million in Mid - July 2011 as shown in Table In the Mid - July 2011, total deposit of commercial bank increased by 9.0 percent compare to 11.9 percent growth in the Mid - July As of Mid - July 2011, it reached to Rs. 687,588 million from Rs 630,881 million in the Mid - July Among the component of deposit, current deposit decreased by 2.0 percent compared to 12.5 percent increment in last year. Similarly, saving deposit decreased by 2.8 percent and fixed deposit increased by 26.8 percent as shown in Table The fixed deposit comprises the major share in total deposit followed by saving deposit, call deposit and current deposit. As of Mid - July 2011, the proportion of fixed, saving, and call & current deposits are 36.9 percent, 33.6 percent, 17.0 and 11.5 percent respectively as reflected in Table 3. Figure 4 5

10 16. In the Mid - July 2011, the borrowing increased by 25.6 percent compared to 8.0 percent in the previous year. By the end of Mid July 2011, it reached to Rs. 24,853 million from Rs. 19,784 million in the Mid - July 2010 as reflected in Table Capital fund of commercial banks increased by 45.0 percent compared to previous year and reached to Rs. 59,064 million in Mid - July It was Rs. 40,720 million in Mid - July 2010 as presented in Table Out of the Rs. 528,023 million outstanding sector wise credits in Mid - July 2011, the largest proportion of the loans and advances is occupied by manufacturing sector. The share of this sector is 21.7 percent followed by wholesale & retailers 20.8 percent, other sector 12.7 percent, finance, insurance & real estate by 11.3 percent and construction 9.8 percent. Similarly, transportation, communication & public services comprise 4.7 percent, consumable loan by 6.2 percent, other service industries by 4.3 percent and agriculture by 2.4 percent in the same period as represented in Table The outstanding of deprived sector credit of commercial banks in the Mid - July 2011 by the end of Mid July reached to Rs. 19,387 million as presented in Table 41. The ratio of deprived sector credit to total outstanding of product wise loans and advances stood at 3.67 percent in the current period. Last year it was 3.56 percent. 20. In Mid - July 2011, the credit to deposit ratio of the commercial banks reached to 76.8 percent compared to 74.0 percent in Mid - July 2010 as presented in Table 3. Figure The non-performing loan of commercial banks increased to 3.2 percent in Mid July 2011 from 2.39 percent in the Mid - July The total amount of NPA in Mid July 2011reached to Rs. 16,872 million from Rs. 11,223 million in the Mid - July 2010 as reflected in Table 6. 6

11 Development Banks 22. The total number of development banks increased to 87 in Mid - July 2011 from 79 in Mid - July Out of them, twelve are national level and rests are district level development banks. 23. The total assets/liabilities of development banks increased by 28.8 percent and reached to Rs. 139,736 million in the Mid - July 2011 from Rs. 108,460 million in Mid - July The entry of new development banks along with business expansion resulted to increase in the total assets and liabilities. 24. Among the component of liabilities, deposit constituted 69.3 percent followed by capital fund 16.1 percent borrowing by 3.4 percent and others by 11.2 percent in Mid - July In the previous year the respective share of deposit, capital fund and borrowing were 70.9 percent, 14.1 percent and 4.1 percent. On the assets side, loans and advances constituted to 63.7 percent, liquid funds 21.0 percent and investment 4.2 percent in Mid - July The respective shares were 60.7 percent, 24.0 percent and 6.3 percent respectively in Mid July 2010 as reflected in Table 45. Figure 6 Composition of /Liabilities of Dev. Bank as on Mid-July, 2011 Figure 6(a) Figure 6(b) 25. In total deposit of Development Bank, Saving deposit comprises the major share 44.3 percent in total deposit followed by Fixed deposit of 32.2 percent, Call deposit 21.1 percent, Current deposit 1.9 and others 0.5 percent. As of Mid - July 2010, the proportion of fixed, saving, and call & current deposits were 36.9 percent, 33.6 percent, 16.9 and 11.5 percent respectively as reflected in Table 45. Figure 7 7

12 26. During the period of current fiscal year, the deposit collection of Development Banks increased by 25.9 percent and reached to Rs. 96,887 million from Rs. 76,951 million in Mid July Deposit in previous year had increased by 60.3 percent. Similarly capital fund increased by 46.9 percent and reached to Rs. 22,525 million. In the same period borrowings increased by 5.8 percent and reached to Rs. 4,700 million. The increment of capital fund and borrowings were 64.4 percent and 69.4 percent in Mid July Figure The average proportion of non-performing loan to total outstanding loan of development banks reached to 4.2 percent in Mid - July 2011 from 1.5 percent in Mid - July amount of NPL as end of Mid July 2011 is Rs. 37,771 million as presented in Table 48. Finance Companies 28. The total number of finance companies remained to 79 in Mid - July During this period, Birgunj Finance merged with Himchuli Bikash Bank. In 2067 Bhaivab Finance Company and Bhaktapur Finance entered into operation. 29. The total assets/liabilities of the finance companies increased by 12.8 percent in Mid -July 2011 and reached to Rs. 126,617 million from 112,208 million in Mid - July 2010 as presented in Table 50. Among the total liabilities deposits held the largest share of 67.5 percent followed by capital fund 17.2 percent, others 11.7 percent and borrowings 3.6 percent. The respective share of deposit, capital fund and borrowing were 69.0 percent, 17.3 percent and 2.8 percent in the previous year. On the assets side, loan and advances held 68.7 percent of total assets followed by liquid funds 16.2 percent, investments 4.5 percent and others 10.5 percent in Mid July 2011 as presented in Table 50. The respective share of loan & advances, liquid funds and investments were 68.6 percent, 19.3 percent and 3.9 percent in Mid July

13 Figure 9 Composition of /Liabilities of Finance Companies as on Mid-July, 2011 Figure 9(a) Figure 9(b) 30. The total deposit mobilization by the finance companies in the current fiscal year increased by 10.4 percent in Mid - July 2011 and reached to Rs. 85,477 million from Rs. 77,406 million. Similarly, capital fund increased by12.2 percent and reached to Rs. 21,818 million from Rs.19,438 million. Likewise, borrowing increased by 43.0 percent and reached to Rs. 4,506 million from Rs. 3,151 million in Mid July 2011 as reflected in Table In the Mid - July 2011, liquid fund decreased by 5.6 percent and remained to Rs. 20,511 million from Rs. 21,718 million Mid - July Likewise, loan & advances observed growth of 13.0 percent. The growth was 28.5 percent in Mid - July The total outstanding amount of loan and advances including Bills purchased and loan against collected bills reached to Rs.87,032 million in Mid July 2011 from Rs. 77,061 million in Mid - July Likewise, the investment including Share & other investment increased by 29.3 percent and reached to Rs. 5,725 million in Mid July The increment was 35.6 percent in Mid July Credit deposit ratio of finance companies reached to percent in Mid - July 2011 from 99.4 percent in the Mid - July Figure 10 9

14 33. The average proportion of non-performing loan to total outstanding loan of Finance Companies reached to 5.4 percent in Mid - July 2011 and reached to Rs. 4,729 million as presented in Table 53. The ratio was 1.5 percent and amount of Rs million in the Mid - July Micro Finance Development Banks & Rural Development Banks 34. Currently there are 21 'D' class rural & micro finance development banks in the country. Out of them five are regional level rural development banks and remaining are micro finance development banks. 35. In Mid - July 2011, the total assets/liabilities of micro finance development banks increased by 13.6 percent compared to increment of 22.6 percent in the Mid - July In Mid - July 2011, the total assets/liabilities of these banks reached to Rs. 21,496 million from Rs. 18,922 million in the Mid - July 2011 as presented in Table 55. Figure As of Mid - July 2011 the total outstanding loan and advances of micro finance development banks increased by 31.8 percent and reached to Rs. 14,650 million from Rs. 11,117 million in Mid - July 2010 as reflected in Table 55. Cooperatives and NGOs 37. The number of financial cooperatives licensed by NRB to conduct limited banking activities and number of NGOs are 16 and 38 respectively in Mid July Due to unavailability of current data, the statistical information of cooperatives and NGOs are not included in this bulletin. 10

15 Table No.1 Financial System at a Glance Mid - July (Rs in Million) Capital Fund (1474.3) (9088.1) (7461.5) Commercial Banks 74.9% 64.5% 59.0% % % % -60.1% 38.6% 57.7% 52.7% 55.8% Development Banks 5.7% 17.2% 20.6% 282.0% 52.2% 63.9% 58.8% 25.4% 17.7% 19.8% 21.3% Finance Companies 17.5% 16.8% 16.0% 247.8% 46.8% 57.8% 78.0% 28.9% 2% 24.6% 20.6% Micro Finance Development Banks 3.1% 45.3% 8.1% 11.1% 16.2% 4.9% 3.7% 2.8% 2.3% Others 1.9% 1.6% 1.4% 16.9% 3.4% 5.0% 7.1% 2.2% 0.9% % % 2 Borrowing Commercial Banks 27.2% 23.1% 42.2% 43.6% 47.7% 45.9% 51.8% 52.0% 52.8% Development Banks 50.5% 45.5% 27.7% 23.9% 8.4% 8.1% 7.4% 11.7% 1% Finance Companies 1.2% 1% 6.1% 5.3% 13.0% 13.9% 14.7% 8.1% 9.6% Micro Finance Development Banks 20.5% 21.1% 21.0% 24.4% 26.0% 26.8% 25.4% 28.3% 27.7% Others 0.6% 0.3% 3.0% 2.8% 4.9% 5.4% 0.8% % % 3 Deposits Commercial Banks 92.1% 90.3% 89.1% 90.4% 88.8% 88.8% 86.3% 83.7% 83.5% 80.1% 78.7% Development Banks 1.3% 2.4% 2.8% 1.5% 2.4% 1.8% 3.9% 5.1% 7.1% 9.8% 11.1% Finance Companies 5.9% 6.6% 7.2% 7.5% 7.9% 8.3% 8.8% 10.3% 8.5% 9.9% 9.8% Micro Finance Development Banks 0.3% 0.3% 0.3% 0.3% 0.3% 0.3% 0.3% 0.3% 0.4% Others 0.7% 0.8% 0.5% 0.3% 0.6% 0.8% 0.7% 0.6% 0.6% % % 4 Other Liabilities Commercial Banks 89.7% 89.4% 93.4% 89.0% 91.6% 82.9% 81.9% 81.7% 78.1% Development Banks 6.8% 7.1% 4.0% 6.5% 0.6% 3.6% 5.2% 8.6% 1% Finance Companies 2.3% 2.4% 1.6% 3.7% 6.4% 11.6% 9.9% 8.2% 10.2% Micro Finance Development Banks 0.7% 0.7% 0.8% 0.7% 0.7% 1.0% 2.0% 1.5% 1.7% Others 0.4% 0.3% 0.3% 0.1% 0.6% 0.9% 1.0% % % 5 Liquid Fund Commercial Banks 94.9% 90.6% 87.0% 86.3% 83.8% 81.4% 75.9% 68.3% 74.6% 67.3% 64.8% Development Banks 1.0% 3.4% 5.6% 4.1% 4.9% 3.3% 6.4% 10.2% 11.3% 17.1% 19.4% Finance Companies 3.5% 5.2% 5.9% 8.2% 8.5% 11.3% 12.9% 18.1% 11.5% 14.2% 13.6% Micro Finance Development Banks 0.8% 0.9% 1.4% 2.8% 3.1% 1.2% 2.0% 1.4% 2.2% Others 0.6% 0.8% 0.7% 0.5% 1.3% 1.3% 1.6% 2.2% 0.6% % % 6 Investment Commercial Banks 92.9% 87.1% 88.2% 88.8% 90.5% 92.4% 91.8% 90.5% 92.6% 90.7% 91.8% Development Banks 1.8% 8.3% 6.7% 6.3% 3.0% 2.4% 1.5% 2.8% 3.5% 4.6% 3.6% Finance Companies 4.6% 4.1% 4.6% 4.5% 3.6% 3.1% 4.5% 3.6% 2.3% 3.0% 3.5% Micro Finance Development Banks 2.0% 2.2% 2.3% 1.9% 2.0% 2.9% 1.5% 1.7% 1.1% Others 0.7% 0.5% 0.5% 0.3% 0.6% 0.2% 0.2% 0.2% 0.2% % % 7 Loans and Advances Commercial Banks 88.0% 76.3% 75.4% 75.9% 78.3% 76.7% 79.5% 78.3% 77.8% 75.2% 73.5% Development Banks 2.3% 14.7% 14.9% 13.8% 9.2% 8.7% 5.3% 6.0% 8.2% 10.6% 12.4% Finance Companies 8.8% 8.1% 8.8% 9.5% 10.2% 11.8% 12.2% 13.2% 11.7% 12.4% 12.1% Micro Finance Development Banks 1.5% 1.5% 1.7% 1.9% 2.0% 1.8% 1.6% 1.8% 2.0% Others 1.0% 0.9% 0.9% 0.7% 0.7% 0.9% 1.0% 0.7% 0.7% % % 8 Other Commercial Banks 100.8% 101.7% 97.2% 94.3% 92.6% 87.3% 87.8% 86.6% 82.9% Development Banks -4.4% -5.5% % 1.9% 1.5% 3.0% 4.1% 7.4% 9.5% Finance Companies 2.7% 2.9% 1.9% 2.6% 4.4% 7.1% 4.3% 4.8% 6.0% Micro Finance Development Banks 0.3% 0.3% 0.4% 0.6% 0.6% 0.9% 2.3% 1.3% 1.6% Others 0.6% 0.5% 0.4% 0.6% 1.0% 1.7% 1.6% % % 9 / Liabilities Commercial Banks 91.8% 87.4% 85.6% 87.7% 86.7% 84.7% 84.2% 80.2% 82.1% 76.7% 75.3% Development Banks 1.7% 6.0% 7.5% 4.7% 4.9% 5.2% 3.9% 5.6% 6.9% 10.6% 12.0% Finance Companies 5.8% 5.9% 6.2% 7.0% 6.4% 7.7% 9.2% 11.4% 8.8% 10.9% 10.9% MFDB & RDB 1.2% 1.3% 1.3% 1.6% 1.8% 1.8% 1.6% 1.8% 1.8% Others 0.7% 0.7% 0.7% 0.6% 0.7% 0.7% 0.9% 1.0% 0.6% % % 11

16 Table No. 2 Major Indicators of COMMERCIAL BANKS Unit Mid - July Gross Domestic Product 1 Rs.in million Number of Bank Branches In Unit Population per Bank Branches In Thousand Deposits Rs.in million A. Current Rs.in million B. Savings Rs.in million C. Fixed Rs.in million D. Others Rs.in million Credit Rs.in million Investment Rs.in million Credit to Government Enterprises Rs.in million Average Deposit per Bank Branch Rs.in million Per Capita Deposits Rs. in Unit Average Credit per Bank Branch Rs.in million Per Capita Credit Rs. in Unit Deposit Growth In Percentage Credit Growth In Percentage Investment Growth In Percentage Time Deposit Growth In Percentage Paid up Capital & Reserve Fund Rs. in million

17 Table No. 3 Statement of & Liabilities of COMMERCIAL BANKS (AGGREGATE) (Rs. In million) Mid-July Liabilities CAPITAL FUND ( ) ( ) ( ) (4149.5) a. Paid-up Capital b.calls in advance c. Statutory Reserves d. Share Premium e. Retained Earning ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) f. Others Reserves g. Exchange Fluctuation Fund BORROWINGS a. NRB b. "A"Class Licensed Institution c. Foreign Banks and Fin. Ins d. Other Financial Ins e. Bonds and Securities DEPOSITS a. Current Domestic Foreign b. Savings Domestic Foreign c. Fixed Domestic Foreign d. Call Deposits e. Others Bills Payable Other Liabilities Sundry Creditors Loan Loss Provision Interest Suspense a/c Others Reconcillation A/c Profit & Loss A/c LIQUID FUNDS a. Cash Balance Nepalese Notes & Coins Foreign Currency b. Bank Balance In Nepal Rastra Bank Domestic Currency Foreign Currency "A"Class Licensed Institution Domestic Currency Foreign Currency Other Financial Ins In Foreign banks c.money at Call Domestic Currency Foreign Currency INVESTMENTS a. Govt.Securities b. NRB Bond c. Govt.Non-Fin. Ins d. Other Non-Fin Ins e Non Residents SHARE & OTHER INVESTMENT Non Residents Others LOANS & ADVANCES a. Private Sector b. Financial Institutions c. Government Organizations BILL PURCHED a. Domestic Bills Purchased b. Foreign Bills Purchased c. Import Bills & Imports LOANS AGAINST COLLECTED BILLS a. Against Domestic Bills b. Against Foreign Bills FIXED ASSETS OTHER ASSETS a. Accrued Interests Financial Institutions Govt. Entp Private Sector b. Staff Loans / Adv c. Sundry Debtors d. Cash In Transit e. Others Expenses not Written off Non Banking Reconcillation Account Profit & Loss A/c

18 Table No. 4 Some Ratios of COMMERCIAL BANKS Mid July A. GDP, DEPOSITS, CREDIT & INVESTMENT 1. Deposit / GDP Credit / GDP Investment / GDP Credit & Investment / GDP Time Deposit / GDP Current Deposit / GDP Credit / Deposit Investment / Deposit Credit & Investment / Deposit Fixed Deposit / Deposit Current Deposit / Deposit Credit to Govt. Entp. / Credit Credit to Pvt.Sector / Credit B. LIQUIDITY 1. NRB Balance / Deposit Vault / Deposit Liquid Fund / Deposit C. CAPITAL ADEQUACY 1. Capital / Deposit (4.36) (7.58) (6.09) (1.23) Capital / Credit (7.29) (10.82) (13) (1.79) Capital / (3.00) (4.65) (4.14) (0.85) Capital Fund / Risk weighted (5.49) (9.88) (12.04) (9.07) (6.33) (5.30) (1.71)

19 Banks Table No. 5 Capital Fund to Risk Weighted of COMMERCIAL BANKS (Rs. in million) Mid-July 2003 Mid-July 2004 Mid-July 2005 Mid-January 2006 Mid-July 2006 Mid-July 2007 Mid-July 2008 Mid-July 2009 Mid-July 2010 Mid-July 2011 Capital Fund Capital Fund to Risk Capital Fund Weighted (%) Capital Fund to Risk Capital Fund Weighted (%) Capital Fund to Risk Capital Fund Weighted (In Million) (%) Capital Fund to Risk Capital Fund Weighted ( In %) Capital Fund to Risk Capital Fund Weighted (%) Capital Fund to Risk Capital Fund Weighted (%) Capital Fund to Risk Capital Fund Weighted (%) Capital Fund to Risk Weighted (%) Capital Fund Capital Fund to Risk Weighted (%) Capital Fund Capital Fund to Risk Weighted (%) 1 Nepal Bank Limited ( ) (28.25) ( ) (24.97) ( ) (19.54) ( ) (30.47) ( ) (29.67) ( ) (32.47) ( ) (22.60) ( ) (14.85) ( ) (11.17) ( ) (9.66) 2 Rastriya Banijya Bank ( ) (44.28) ( ) (42.12) ( ) (40.54) ( ) (59.89) ( ) (50.30) ( ) (48.45) ( ) (44.17) ( ) (37.70) ( ) (24.08) ( ) (22.52) 3 NABIL Bank Limited Nepal Investment Bank Limited Standard Chartered Bank Nepal Limited Himalayan Bank Limited Nepal SBI Bank Limited Nepal Bangladesh Bank Limited ( ) (23.55) ( ) (16.49) Everest Bank Limited Bank of Kathmandu Limited Nepal Credit and Commerce Bank Limited (574.91) (9.13) Nepal Industrial & Commercial Bank Limited Lumbini Bank Limited (648.20) (13.29) (435.81) (7.80) Machhapuchhre Bank Limited Kumari Bank Limited Laxmi Bank Limited Siddhartha Bank Limited Agriculture Development Bank Ltd Global Bank Ltd Citizens Bank International Ltd Prime Commercial Bank Ltd Bank of Asia Nepal Ltd Sunrise Bank Ltd Development Credit Bank Ltd NMB Bank Ltd Kist Bank Ltd Janata Bank Nepal Limited Mega Bank Nepal Limited Commerz and Trust Bank Nepal Limited Civil Bank Limited Century Commercial Bank Limited ( ) (12.04) ( ) (9.07) ( ) (6.33) ( ) (4.72) ( ) (5.30) ( ) (1.71)

20 Table No.6 Non Performing Loan Status of Commercial Banks (Rs. in million) Mid - July Banks Gross Loan NPL NPL to Gross Loan (%) Gross Loan NPL NPL to Gross Gross Loan Loan (%) NPL NPL to Gross Gross Loan Loan (%) NPL NPL to Gross Gross Loan Loan (%) NPL NPL to Gross Gross Loan Loan (%) NPL NPL to Gross Gross Loan Loan (%) NPL NPL to Gross Loan Gross Loan (%) NPL NPL to Gross Loan Gross Loan (%) NPL NPL to Gross Loan (%) 1 Nepal Bank Limited Rastriya Banijya Bank NABIL Bank Limited Nepal Investment Bank Limited Standard Chartered Bank Nepal Limited Himalayan Bank Limited Nepal SBI Bank Limited Nepal Bangladesh Bank Limited Everest Bank Limited Bank of Kathmandu Limited Nepal Credit and Commerce Bank Ltd Nepal Industrial & Commercial Bank Ltd Lumbini Bank Limited Machhapuchhre Bank Limited Kumari Bank Limited Laxmi Bank Limited Siddhartha Bank Limited Agriculture Development Bank Ltd Global Bank Ltd Citizens Bank International Ltd Prime Commercial Bank Ltd Bank of Asia Nepal Ltd Sunrise Bank Ltd Development Credit Bank Ltd NMB Bank Ltd Kist Bank Ltd Janata Bank Nepal Ltd Mega Bank Nepal Limited Commerz and Trust Bank Nepal Limited Civil Bank Limited Century Commercial Bank Limited

21 Table No. 7 Statement of & Liabilities of NEPAL BANK LTD. (Rs. In million) Mid-July Liabilities CAPITAL FUND ( ) ( ) (6056.7) (5399.8) (4958.8) (4851.8) (4607.7) a. Paid-up Capital b.calls in advance c Statutory Reserves d. Share Premium e. Retained Earning ( ) ( ) (7877.3) (7306.4) (6976.4) (7363.0) (7252.4) f. Others Reserves g. Exchange Fluctuation Fund BORROWINGS a. NRB b. "A"Class Licensed Institution c. Foreign Banks and Fin. Ins d. Other Financial Ins. 0.1 e. Bonds and Securities 3 DEPOSITS a. Current Domestic Foreign b. Savings Domestic Foreign c. Fixed Domestic Foreign d. Call Deposits e. Others Bills Payable Other Liabilities Sundry Creditors Loan Loss Provision Interest Suspense a/c Others Reconcillation A/c Profit & Loss A/c LIQUID FUNDS a. Cash Balance Nepalese Notes & Coins Foreign Currency b. Bank Balance In Nepal Rastra Bank Domestic Currency Foreign Currency (13.0) "A"Class Licensed Institution Domestic Currency Foreign Currency Other Financial Ins. 4. In Foreign banks c.money at Call Domestic Currency Foreign Currency 2 INVESTMENTS a. Govt.Securities b. NRB Bond c. Govt.Non-Fin. Ins. d. Other Non-Fin Ins. e Non Residents SHARE & OTHER INVESTMENT Non Residents Others LOANS & ADVANCES a. Private Sector b. Financial Institutions c. Government Organizations BILL PURCHED a. Domestic Bills Purchased b. Foreign Bills Purchased c. Import Bills & Imports LOANS AGAINST COLLECTED BILLS a. Against Domestic Bills 1.3 b. Against Foreign Bills FIXED ASSETS OTHER ASSETS a. Accrued Interests Financial Institutions Govt. Entp Private Sector b. Staff Loans / Adv c. Sundry Debtors d. Cash In Transit e. Others Expenses not Written off Non Banking Reconcillation Account Profit & Loss A/c