ldt]/L ]enkd])^ a}+s lnld^] jf;nft - miteribank.com.np 10 agm annual... · k+"hL tyf bfloTj cg";'rL o; jif{ ?= ut jif{ ?= 1= z]o/ k"+hL 4=1 211,273,920.00 162,518,400.00 2= Hfu]*f

$Page 1: ldt]/L *]enkd])^ a}+s lnld^]* jf;nft - miteribank.com.np 10 agm annual... · k+"hL tyf bfloTj cg";'rL o; jif{ ?= ut jif{ ?= 1= z]o/ k"+hL 4=1 211,273,920.00 162,518,400.00 2= Hfu]*f$
k+"hL tyf bfloTj cg";'rL o; jif{ ?= ut jif{ ?=

1= z]o/ k"+hL 4=1 211,273,920.00 162,518,400.00 2= Hfu]*f tyf sf]ifx? 4=2 42,855,517.11 29,914,357.78 3= C)fkq tyf a)* 4=3 - - 4= ltg{ af+sL shf{ ;fk^ 4=4 - - 5= lgIf]k bfloTj 4=5 1,763,686,391.14 1,426,356,181.85 6= e'\QmfgL lbg' kg]{ ljnx? 4=6 - - 7= k|:tfljt gub nfef+z 2,566,080.00 1,710,720.00 8= cfos/ bfloTj 926,955.47 558,621.55 9= cGo bfloTj 4=7 20,256,733.37 17,243,494.75

s'n k+"lh F tyf bfloTj 2,041,565,597.10 1,638,301,775.92

;DklQ cg";'rL o; jif{ ?= ut jif{ ?=

1= gub df}Hbft 4=8 43,421,983.29 20,242,392.93 2= g]kfn /fi^« a}+sdf /x]sf] df}Hbft 4=9 74,316,581.15 7,113,466.00 3= a}s÷ljQLo ;+:yfdf /x]sf] df}Hbft 4=10 3,000,000.00 51,940,218.08 4= dfu tyf cNk ;"rgfdf k|fKt x'g] /sd 4=11 441,506,233.66 407,394,390.38 5= nufgL 4=12 5,471,300.00 5,471,300.00 6= shf{ ;fk^ tyf ljn v/Lb 4=13 1,433,298,543.57 1,127,896,197.70 7= l:y/ ;DklQ 4=14 20,296,176.43 8,635,925.68 8= u}/ a}lsª\u ;DklQ 4=15 - - 9= cGo ;DklQ 4=16 20,254,779.00 9,607,885.15

s'n ;DklQ 2,041,565,597.10 1,638,301,775.92

cg";'rL

;Defljt bfloTj 4=17

;~rfnsx?sf] #f]if)ff 4=29

k"hLsf]if tfnLsf 4=30

hf]lvd efl/t ;DklQ ljj/)f tflnsf 4=30-s_

k|d'v ;"rf+sx? 4=31

k|d"v n]vf gLltx? 4=32

n]vf ;DaGwL l^Kk)fLx? 4=33

4=1 b]lv 4=17 ;Ddsf cg';"rLx? Jff;nftsf cleGg c+u x'g\ .

chLt gf/fo)f l;x+ yfkf Zofd uf]ljGb >]i&

cWoIf ;+rfns

s];j s'df/ a'(fyf]sL, l;=P=

;'lgn >]i& nlnt s'df/ cu|jfn

;+rfns ;+rfns s]=s]= j'(fyf]sL P)* P;f]l;P^\;

rf^{*{ PsfpG^]G^\;\

t'n;L k|;fb j:tL

k|d'v sfo{sf/L clws[t

;+rfns

ldt]/L *]enkd])^ a}+s lnld^]*

2072 ;fn ciff( d;fGtsf]

jf;nft

ls;g df:s]

cfhsf] xfd|f] ;+nUg k|ltj]bg

cg';f/

n]vf k|d'v

ldnL /fO{

zDe' k|;fb >]i&

;+rfns

ljj/)f cg';"rL rfn" cf=j= ?= ut cf=j= ?=

1= Jofh cfDbfgL 4=18 211,683,818.57 175,733,780.23 2= Jofh vr{ 4=19 101,531,130.68 92,920,213.80 v'b Jofh cfDbfgL 110,152,687.89 82,813,566.43 3= sldzg tyf l*:sfp)^ 4=20 1,873,359.26 1,859,331.96 4= cGo ;~rfng cfDbfgL 4=21 27,833,229.31 19,759,969.24 5= ;^xL #â( cfDbfgL 4=22 - - s'n ;~rfng cfDbfgL 139,859,276.46 104,432,867.63 6= sd{rf/L vr{ 4=23 21,577,647.74 15,266,001.74 7= cGo ;~rfng vr{ 4=24 15,827,950.40 12,074,635.79 8= ;^xL #â( gf]S;fg 4=22 - - ;Defljt gf]S;fgL Joj:yf cl#sf] ;~rfng d'gfkmf 102,453,678.32 77,092,230.10 9= ;Defljt gf]S;fgL Joj:yfx? 4=25 2,907,140.53 3,162,753.45 ;~rfng d'gfkmf 99,546,537.79 73,929,476.65 10= u}/ ;+rfng cfDbfgL÷gf]S;fg 4=26 1,493,675.48 (145,744.03) 11= ;Defljt gf]S;fgL Joj:yf af^ lkmtf{ 4=27 - - lgoldt sf/]fjf/af^ ePsf] d'gfkmf 101,040,213.27 73,783,732.62 12= c;fdfGo sf/f]jf/jf^ ePsf] d'gfkmf÷vr{ 4=28 - - ;Dk")f{ sf/f]jf/ ;dfj]z kl%sf] v'b d'gfkmf 101,040,213.27 73,783,732.62 13= sd{rf/L jf]g; Joj:yf 9,185,473.93 6,707,612.06 14= cfos/ Joj:yf 27,591,980.00 19,945,101.59 o; jif{sf] s/ Joj:yf 27,994,032.00 20,543,737.00 ljut jif{ ;Ddsf] s/ Joj:yf

o; jif{sf] :yug s/ -cfDbfgL_÷vr{ (402,052.00) (598,635.41) v'b gfkmf÷gf]S;fg 64,262,759.34 47,131,018.97

4=18 b]lv 4=28 ;Ddsf cg';"rLx? Gffkmf gf]S;fg lx;fjsf cleGg c+u x'g\ .

chLt gf/fo)f l;x+ yfkf Zofd uf]ljGb >]i&

cWoIf ;+rfns

;'lgn >]i& nlnt s'df/ cu|jfn s];j s'df/ a'(fyf]sL, l;=P=

;+rfns ;+rfns

s]=s]= j'(fyf]sL P)* P;f]l;P \̂;

rf {̂*{ PsfpG ]̂G \̂;\

t'n;L k|;fb j:tL

k|d'v sfo{sf/L clws[t

;+rfns

zDe' k|;fb >]i&

ldnL /fO{

n]vf k|d'v

;+rfns


ldlt 2071 ;fn >fj)f 1 ut] b]lv 2072 ;fn ciff( d;fGt ;Dd

gfkmf gf]S;fg lx;fa

cfhsf] xfd|f] ;+nUg k|ltj]bg cg';f/

ls;g df:s]

ljj/)f cg';"rL o; jif{ ?= Uft jif{ ?=

cfDbfgL

1= ut jif{;Ddsf] ;l~rt d"gfkmf 4,305,750.87 1,413,971.09 2= o; jif{sf] v"b d"gfkmf 64,262,759.34 47,131,018.97 3= ;^xL #â( sf]if - -

hDdf 68,568,510.20 48,544,990.07 vr{

1= ut jif{ ;Ddsf] ;+lrt gf]S;fg - - 2= o; jif{sf] gf]S;fg - - 3= ;fwf/)f hu]*fsf]if 12,852,551.87 9,426,203.79 4= e}k/L cfpg] hu]*f - - 5= ;+:yf ljsf; sf]if - - 6= nfef+z ;dLs/)f sf]if - - 7= sd{rf/L ;DaGwL hu]*fx? - - 8= k|:tfljt nfef+z 2,566,080.00 1,710,720.00 9= k|:tfljt af]g; z]o/ 48,755,520.00 32,503,680.00 10= ljz]if hu]*f sf]if - - 11= ;^xL #^j( sf]if - - 12= k+"hL lkmtf{ hu]*f sf]if - - 13= k+"hL ;dfof]hg sf]if - - 14= :yug s/ vr{ 402,052.00 598,635.41

hDdf 64,576,203.87 44,239,239.20 ;l~rt d"gfkmf -gf]S;fg_ 3,992,306.33 4,305,750.87


chLt gf/fo)f l;x+ yfkf Zofd uf]ljGb >]i& ls;g df:s]

;+rfns

;'lgn >]i& nlnt s'df/ cu|jfn zDe' k|;fb >]i&

;+rfns

s];j s'df/ a'(fyf]sL, l;=P=

t'n;L k|;fb j:tL ldnL /fO{ s]=s]= j'(fyf]sL P)* P;f]l;P^\;

k|d'v sfo{sf/L clws[t n]vf k|d'v rf^{*{ PsfpG^]G^\;\

cWoIf ;+rfns

;+rfns ;+rfns


gfkmf gf]S;fg af+*kmF+* lx;fa


ut jif{ ?= s|=;+= ljj/)f o; jif{ ?=

21,671,681.47 -s_ sf/f]jf/ ;~rfngaf^ gub k|jfx 57,257,638.38 197,353,081.43 1= gub k|flKt 241,390,407.14 175,733,780.23 1=1 Aofh cfDbfgL 211,683,818.57

1,859,331.96 1=2 sldzg tyf l*isfpG^ cfDbfgL 1,873,359.26 1=3 ljb]zL ljlgdo sf/f]af/af^ cfDbfgL

1=4 ckn]lvt shf{sf] c;'nL

19,759,969.24 1=5 cGo cfDbfgL 27,833,229.31 (142,555,446.93) 2= gub e'QmfgL (167,504,418.93)

(92,920,213.80) 2=1 Jofh vr{ (101,531,130.68) (18,952,939.71) 2=2 sd{rf/L vr{ (26,457,495.46) (9,698,303.05) 2=3 sfof{no ;+rfng vr{ (11,890,094.71)

(20,983,990.37) 2=4 cfos/ e'QmfgL (27,625,698.08) 2=5 cGo vr{

54,797,634.50 sfo{ut k"+hL (Working Capital) ultljlw cl#sf] gub k|jfx 73,885,988.21

(473,437,770.71) ;~rfng ;DjlGw rfn" ;DklQdf sdL÷-j[l¢_ (352,666,171.53)

(185,470,636.70) 1= dfu tyf cNk ;"rgfdf k|fKt x'g] /sddf sdL÷-j[l¢_ (34,111,843.28) - 2= cGo cNksflng nufgLdf sdL÷-j[l¢_ -

(287,447,167.10) 3= shf{ tyf ljN; vl/bdf sdL÷-j[l¢_ (308,309,486.40) (519,966.91) 4= cGo ;DklQdf sdL÷-j[l¢_ (10,244,841.85)

440,311,817.68 ;~rfng ;DjlGw rfn' bfloTjdf -sdL_÷j[l¢ 336,037,821.70 438,091,674.52 1= lgIf]k bfloTjdf -sdL_÷j[l¢ 337,330,209.29

- 2= ;l^{lkms]^ ckm l*kf]lh^df -sdL_÷j[l¢ - - 3= cNksflng ;fk^Ldf -sdL_÷j[l¢ -

2,220,143.16 4= cGo bfloTjdf -sdL_÷j[l¢ (1,292,387.59) (2,363,161.17) =-v_ nufgL sf/f]jf/df gub k|jfx (14,104,430.95)

1= bL#{sflng nufgLdf sdL÷-j[l¢_ - (2,363,161.17) 2= :yL/ ;Dkltdf sld÷-j[l¢_ (14,854,430.95)

3= bL#{sflng nufgLdf Jofh cfDbfgL

4= nfef+z cfDbfgL 750,000.00 - 5= cGo -

(5,417,280.00) -u_ ljQLo >f]t sf/f]jf/df gub k|jfx (1,710,720.00) - 1= bL#{sfnLg C)f - j)*, l*j]Gr/ cflb _ df j[l¢÷-sdL_ - - 2= z]o/ k+"hLdf j[l¢÷-sdL_ - - 3= cGo bfloTjdf j[l¢÷-sdL_ -

4= g]kfn /fi^« a}+sjf^ k||fKt ;x'lnot÷k"g{/shf{df j[l¢÷-sdL_

(5,417,280.00) 5= nfef+z e'QmfgL (1,710,720.00) -#_ gub tyf a}+s df}Hbftsf] ljlgdo b/df ePsf] km/sjf^

cfDbfgL÷vr{

13,891,240.30 =-ª_ o; jif{sf] ;Dk")f{ ultljlwaf^ gub k|jfx 41,442,487.43

65,404,836.71 =-r_ gub tyf a}+sdf /x]sf] z'? df}Hbft 79,296,077.01 79,296,077.01 -%_ gub tyf a}+sdf /x]sf] clGtd df}Hbft 120,738,564.44


chLt gf/fo)f l;x+ yfkf

cWoIf

;'lgn >]i& s];j s'df/ a'(fyf]sL, l;=P=

;+rfns

s]=s]= j'(fyf]sL P)* P;f]l;P^\;

rf^{*{ PsfpG^]G^\;\

t'n;L k|;fb j:tL

k|d'v sfo{sf/L clws[t n]vf k|d"v

ldnL /fO{

n]vf k|d'v

nlnt s'df/ cu|jfn zDe' k|;fb >]i&

;+rfns ;+rfns



gub k|jfx ljj/)f

Zofd uf]ljGb >]i& ls;g df:s]

;+rfns ;+rfns

ljj/)f z]o/ k"+hL ;~rLt gf=gf]= ;fwf/)f hu]*f sf]ifk"+hLut hu]*f

sf]ifk|:tfljt jf]gz z]o/ z]o/ lk|ldod

;^xL #â(

sf]if:yug s/ hu]*f

cGo hu]*f

tyf sf]ifs"n /sd

1_ z'? Df}fHbft 162,518,400.00 4,305,750.87 24,306,674.91 0.00 0.00 0.00 0.00 1,301,932.00 0.00 192,432,757.78

:yug s/ - -

;dfof]hLt z"? df}Hbft 162,518,400.00 4,305,750.87 24,306,674.91 - - - - 1,301,932.00 - 192,432,757.78

2_ ;dfof]hg

s_ ;+:yfks z]o/af^ 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

v_ klAns z]o/af^ 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

u_ klAns z]o/af^

#_ o; cf=j= sf] gfkmfaf^ 51,008,155.47 12,852,551.87 0.00 0.00 0.00 0.00 402,052.00 0.00 64,262,759.34

3_ k|:tfljt nfefF; -51,321,600.00 0.00 0.00 48,755,520.00 0.00 0.00 0.00 -2,566,080.00

clGtd df}Hbft 162,518,400.00 3,992,306.33 37,159,226.78 - 48,755,520.00 - - 1,703,984.00 - 254,129,437.11

chLt gf/fo)f l;x+ yfkf Zofd uf]ljGb >]i& ls;g df:s] cfhsf] xfd|f] ;+nUg k|ltj]bg cg';f/

;+rfns

;'lgn >]i& nlnt s'df/ cu|jfn zDe' k|;fb >]i&

;+rfns

t'n;L k|;fb j:tL ldnL /fO{

k|d'v sfo{sf/L clws[t n]vf k|d'v


OSjL^Ldf ePsf] kl/jt{g ;DaGwL ljj/)f

cf=j= 2071÷72 ciff( d;fGt

rf {̂*{ PsfpG ]̂G \̂;\

s]=s]= j'(fyf]sL P)* P;f]l;P \̂;

cWoIf ;+rfns

;+rfns ;+rfns s];j s'df/ a'(fyf]sL, l;=P=

cg';"rL 4=1

ut jif{ ?= o; jif{ ?

1= z]o/ k"+hL

200,000,000.00 1=1 clws[t k"+hL 200,000,000.00

200,000,000.00 s_ 2,000,000 ;fwf/)f z]o/ k|ltz]o/ ? 100 n] 200,000,000.00

- v_ ==========gg\ l/l*d]an lk|km/]G; z]o/ k|ltz]o/ ?========== n]

-

- u_ ==========l/l*d]jn lk|km/]G; z]o/ k|lt z]o/ ?======n]

-

130,014,720.00 1=2= hf/L k"+hL

162,518,400.00

130,014,720.00 s_ 16,25,184 ;fwf/)f z]o/ k|ltz]o/ ?= 100 n] 162,518,400.00

-ut jif{ 13,00,147 ;fwf/)f z]o/ k|ltz]o/ ?= 100 n]_

- v_========== gg\l/l*d]jn lk|km/]G; z]o/ k|ltz]o/ ?====== n]

-

- u_ ======== l/l*d]jn lk|km/]G; z]o/ k|lt z]o/ ?======n]

-

130,014,720.00 1=3= r"Qmf k"+hL

162,518,400.00

130,014,720.00 s_ 16,25,184 ;fwf/)f z]o/ k|ltz]o/ ?= 100 n] 162,518,400.00

-ut jif{ 13,00,147 ;fwf/)f z]o/ k|ltz]o/ ?= 100 n]_

- v_========= gg\ l/l*d]jn lk|km/]G; z]o/ k|ltz]o/ ? ======= n]

-

- u_========= l/l*d]jn lk|km/]G; z]o/ k|ltz]o/ ? ======= n]

-

32,503,680.00 1=4= k|:tfljt jf]g; z]o/

48,755,520.00

- 1=5= sN; O{g P*efG;

-

162,518,400.00 s'n hDdf

211,273,920.00

z]o/ k"+hL % ljj/)f % z]o/ k"+hL

162,518,400.00 1_ :jb]zL :jfldTj 211,273,920.00

0.00 0.00 1=1 g]kfn ;/sf/ 0.00 0.00

0.00 0.00 1=2 Æsæ au{sf Ohfhtkqk|fKt ;+:yfx? 0.00 0.00

0.00 0.00 1=3 cGo Ohfhtkqk|fKt ;+:yfx? 0.00 0.00

0.00 0.00 1=4 cGo ;+:yfx? 0.00 0.00

162,518,400.00 100.00 1=5 ;j{;fwf/)f 100.00 211,273,920.00

0.00 0.00 1=6 cGo 0.00 0.00

0.00 0.00 2_ a}b]lzs :jfldTj 0.00

162,518,400.00 100.00 hDdf 100.00 211,273,920.00

ut jif{ ?=

z]o/ :jfldTj


z]o/ k"+hL tyf :jfldTj

-2072 ;fn ciff( d;fGt_

ljj/)f

o; jif{ ?=

z]o/ ;Vof z]o/ /sd k|ltzt

1 Zofd uf]ljGb >]i7 9,000 900,000 0.55

2 uf]kfn jxfb'/ yfkf 9,000 900,000 0.55

3 /fwf xh'/ j:g]t yfkf 9,000 900,000 0.55

4 gljn Aofn]G; km08 9,625 962,500 0.59

5 lj;g zfSo 10,000 1,000,000 0.62

6 czf]s s'df/ cu|jfn 10,800 1,080,000 0.66

7 /rgf j:g]t 10,800 1,080,000 0.66

8 hLt axfb'/ yfkf 10,800 1,080,000 0.66

9 /flhj e§/fO{ 10,800 1,080,000 0.66

10 ;"o{ s'df/L yfkf 10,800 1,080,000 0.66

11 ;ljgf >]i7 11,202 1,120,200 0.69

12 OGb' g]kfn >]i7 12,600 1,260,000 0.78

13 5jLnfn clwsf/L - ;j{;fwf/0f z]o/wgL _ 14,286 1,428,600 0.88

14 clht gf/fo0f l;+x yfkf 14,400 1,440,000 0.89

15 zfGtf lblIft 14,400 1,440,000 0.89

16 k|ef 7Ss/ 14,400 1,440,000 0.89

17 pdf j:g]t 14,400 1,440,000 0.89

18 dbgdfg cdfTo 14,400 1,440,000 0.89

19 sdn s'df/ uf]on 14,400 1,440,000 0.89

20 ls;g df:s] 14,400 1,440,000 0.89

21 k'gd rGb a'Rrf 14,400 1,440,000 0.89

22 ;'lgn cu|jfn 14,400 1,440,000 0.89

23 ;'o{ z]v/ >]i7 14,400 1,440,000 0.89

24 k|lbk >]i7 14,400 1,440,000 0.89

25 ljsfz >]i7 15,300 1,530,000 0.94

26 of]u]z s'df/ >]i7 16,200 1,620,000 1.00

27 kjg s'df/ cu|jfn 17,000 1,700,000 1.05

28 led axfb'/ kf}8]n 23,400 2,340,000 1.44

29 uDeL/dfg t08'sf/ 28,800 2,880,000 1.77

30 nnLtf yfkf 32,400 3,240,000 1.99

31 /fd axfb'/ >]i7 43,200 4,320,000 2.66

32 lgd{n s'df/ cu|jfn -;j{;fwf/0f z]o/wgL_ 64,733 6,473,300 3.98

33 /fh]z cu|jfn 70,200 7,020,000 4.32

34 /fh]z cu|jfn 81,000 8,100,000 4.98

35 ;'Lgn >]i7 91,800 9,180,000 5.65

36 hg;]js e08f/L 109,800 10,980,000 6.76


0.% % eGbf al9 z]o/ :jfldTj /x]sf z]o/wgLx?sf] gfdfjnL

cg';"rL 4=2

ut jif{ ? = ljj/)f o; jif{ ? =

24,306,674.91 1= ;fwf/)f÷a}wflgs hu]*f sf]if 37,159,226.78 - 2= k"+hLut hu]*f sf]if -z]o/ lk|ldod_ - - 3= k"+hL lkmtf{ hu]*f sf]if -

4= k"+hL ;dfof]hg sf]if1,301,932.00 5= cGo hu]*f tyf sf]if 1,703,984.00

5=1= e}k/L cfpg] hu]*f

5=2= ;:yf ljsf; sf]if

5=3= nfef+z ;lds/)f sf]if

5=4= ljz]if hu]*f sf]if

«««« 5=5 ;DklQ k'gd"{Nofªs\g sf]if1,301,932.00 5=6= :yug s/ hu]*f 1,703,984.00

5=7= cGo :jtGq sf]if- 5=8= cGo hu]*f sf]if -

4,305,750.87 6= ;+l~rt gfkmf÷gf]S;fg 3,992,306.33 - 7= ;^xL #â( sf]if -

29,914,357.78 hDdf 42,855,517.11

cg';"rL 4=3


0.00 1 ======================== 0.00

=======k|ltzt j)*÷C)fkq k|lt j)*

÷C)f kq =====? = n] ldlt ============

df hf/L ePsf] / ldlt ====== df

r'Stf x'g] -xfn ;Ddsf] Redemption

Reserve /sd ?= ====================_

0.00 2============ 0.00

=======k|ltzt j)*÷C)fkq k|lt j)*

÷C)f kq =====?= ======= n] ldlt

============ df hf/L ePsf] / ldlt

======df r'Stf x'g] -xfn ;Ddsf]

Redemption Reserve /sd ?=

====================_

0.00 3================= 0.00

0.00 hDdf -1+2+3_ 0.00

cg';"rL 4=4


s= :jb]zL

0.00 1= g]kfn ;/sf/ 0.00

0.00 2= g]kfn /fi^« a}+s 0.000.00 3= l/kf] bfloTj 0.00

0.00 4= cGt/ a}+s tyf ljQLo ;+:yf 0.00

0.00 5= cGo ;+ul&t ;+:yfx? 0.00

0.00 6= cGo 0.00

0.00 hDdf 0.00

v= ljb]zL0.00 1= a}+sx? 0.00

0.00 2 cGo 0.00

0.00 hDdf 0.00

0.00 hDdf -s±+v_ 0.00



hu]*f tyf sf]ifx?


ltg{ af+sL shf{ -;fk^L_



C)fkq tyf j)*


cg';"rL 4=5


1= Aofh ltg'{ gkg]{ vftfx?

21,117,661.31 s= rNtL lx;fj 40,525,120.18

1= :jb]zL d'b|fdf

5,000.00 1=1 g]kfn ;/sf/ 5,000.00

1=2 s ju{sf Ohfhtkq k|fKt ;+:yfx?

15,265.26 1=3 cGo Ohfht kq ljQLo ;+:yfx? 15,265.26

12,072,803.41 1=4 cGo ;+ul&t ;+:yfx? 9,153,715.82

9,024,592.64 1=5 AolQmut 31,351,139.10

1=6 cGo

2= ljb]zL d'b|fdf

2=1 g]kfn ;/sf/

2=2 s ju{sf Ohfhtkq k|fKt ;+:yfx?

2=3 cGo Ohfht kq ljQLo ;+:yfx?

2=4 cGo ;+ul&t ;+:yfx?

2=5 AolQmut

2=6 cGo

- v= dflh{g -

1= sd{rf/L hdfgt

2= hdfgt dflh{g

3= k|lttkq dflh{g

- u= cGo -

1= :jb]zL d'b|fdf

1=1 ljQLo ;+:yfx?


1=3 JolQmut

2= ljb]zL d'b|fdf

2=1 ljQLo ;+:yfx?


2=3 JolQmut

21,117,661.31 Aofh ltg'{ gkg]{ vftfx?sf] hDdf 40,525,120.18


lgIf]k lx;fa


ut jif{ ? = ljj/)f o; jif{ ?=

2= Aofh ltg'{ kg]{ vftfx?

756,600,350.92 s= art lx;fj 868,587,447.48 1= :jb]zL d'b|fdf

- 1=1 ;+# ;+:yfx? -

756,600,350.92 1=2 JolQmut 868,587,447.48

- 1=3 cGo - 2= lab]zL d'b|fdf

- 2=1 ;+# ;+:yfx? -

- 2=2 JolQmut -

- 2=3 cGo -

438,504,657.67 v= d"@tL lx;fj 573,672,330.67 1= :jb]zL d'b|fdf

112,517,860.00 1=1 ;+# ;+:yfx? 151,568,962.00

325,986,797.67 1=2 JolQmut 422,103,368.67


- 2=1 ;+# ;+:yfx? -

- 2=2 JolQmut -

- 2=3 cGo - 210,133,511.95 u= dfu]sf] jvt ltg'{kg]{ lx;fj 280,901,492.81

1= :jb]zL d'b|fdf

- 1=1 s ju{sf Ohfhtkq k|fKt ;+:yfx? -

38,990,617.96 1=2 cGo O k|f ljQLo ;+:yfx? 19,285,406.46

171,142,893.99 1=3 cGo ;+ul&t ;+:yfx? 261,616,086.35

- 1=4 JolQmut -


- 2=1 s ju{sf Ohfhtkq k|fKt ;+:yfx? -

- 2=2 cGo O k|f ljlQo ;+:yfx? -

- 2=3 cGo ;+ul&t ;+:yfx? -

- 2=4 JolQmut -

- 2=5 cGo - - 3 ;l^{lkms]^ ckm l*kf]lh^ -

- 1= ;+ul&t ;+:yfx? -

- 2= JolQmut -

- 3= cGo - 1,405,238,520.54 Jofh ltg'{ kg]{ vftfx?sf] hDdf 1,723,161,270.96

1,426,356,181.85 -1 / 2_ hDdf lgIf]k 1,763,686,391.14

cg';"rL 4=6


- 1= :jb]zL d'b|f -

- 2= ljb]zL d'b|f - - hDdf -

cg';"rL 4=7

ut jif{ ?= ljj/)f o; jif{ ?=

3,920,603.83 1= ;+lrt ljbf÷pkbfg sf]if -Aoj:yf_ 5,748,368.17

- 2= sd{rf/L ;~ro sf]if - - 3= sd{rf/L sNof)f sf]if -

6,707,612.06 4 sd{rf/L jf]g; Joj:yf 9,185,473.93

416,449.97 5= lgIf]kdf e'QmfgL lbg af+sL Aofh 479,305.64

- 6= ;fk^Ldf e'QmfgL lbg af+sL Aofh -

- 7= kfsL g;s]sf] l*:sfpG^ / sldzg - - 8= ;)*«L qm]l*^;{ -

- 9= zfvf ldnfg lx;fa - 10= :yug s/ bfoLTj

11= e'QmfgL lbg af+sL nfef+;

6,198,828.89 12= cGo 4,843,585.63 17,243,494.75 hDdf 20,256,733.37

cg';"'rL 4=8

Uft jif{ ? ljj/)f o; jif{ ?

20,242,392.93 1= :jb]zL d'b|f -l;Ssf ;d]t\_ 43,421,983.29

- 2= ljb]zL d'b|f - 20,242,392.93 hDdf 43,421,983.29


e"QmfgL lbg" kg]{ ljnx?



gub df}Hbft



cGo bfloTj tyf Aoj:yfx?


cg';"rL 4=9

s'n ?=

ef= ? = kl/jTo{ lj=d'= hDdf

7,113,466.00 1 g]kfn /fi^« a}+s 74,316,581.15 0.00 0.00 0.00 74,316,581.15

7,113,466.00 s= rNtL vftf 74,316,581.15 0.00 0.00 0.00 74,316,581.15

0.00 v= cGo vftf 0.00 0.00 0.00 0.00 0.00

cg';"rL 4=10

s'n ?

ef= ?= kl/jTo{ lj=d'= hDdf

1 :jb]zL Ohfhtk|fKt ;+:yfx?

51,940,218.08 s= rNtL vftf 3,000,000.00 0.00 0.00 0.00 3,000,000.00

0.00 v= cGo vftf 0.00 0.00 0.00 0.00

2 ljb]zL a}+sx? 0.00

0.00 s= rNtL vftf 0.00 0.00 0.00 0.00 0.00

0.00 v= cGo vftf 0.00 0.00 0.00 0.00 0.00

51,940,218.08 hDdf 3,000,000.00 0.00 0.00 0.00 3,000,000.00

gf]^ M g]=/f=a}s sf] lgb]{zLsf adf]hLd clgjfo{ gub df}Hbft 5.00 k|ltzt /fVg' kg]{ k|of]hgsf] nfuL w/fg df g]=/f=a}s sf] zfvf

g/x]sf] x'gfn] Pg= Pd= la= a}s sf] rNtL vftfdf pk/f]Qm adf]hLdsf] /sd ?= 3,000,000 df}Hbft /fvLPsf] % .




g]kfn /fi^« a}sdf /x]sf] df}Hbft


a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft

ut aif{ ? ljj/)f :jb]zL d'b|fljb]zL d'b|f ? df

ut aif{ ? ljj/)f :jb]zL d'b|f

ljb]zL d'b|f ?= df

cg';"rL 4=11

ut jif{ ? = ljj/)f o; jif{ ?

407,394,390.38 1= :jb]zL d'b|f 441,506,233.66 - 2= ljb]zL d'b|f -

407,394,390.38 hDdf 441,506,233.66

cg';"rL 4=12

Jofkfl/s cGo

- 1= g]kfn ;/sf/sf] «̂\]h/L ljn - - - - 2= g]kfn ;/sf/sf] jrt kq - - - - 3= g]kfn ;/sf/sf] cGo C)fkq - - - - 4= g]kfn /fi^« a}+s C)fkq - - - - 5= ljb]zL C)fkq - - - - 6= :jb]zL Ohfhtkq k|fKt ;+:yf - - - - 7= ljb]zL a}+s - - -

5,471,300.00 8= ;+u&Lt ;+:yfx?sf] z]o/ - 5,471,300.00 5,471,300.00 - 9= ;+u&Lt ;+:yfx?sf] l*j]Gr/ tyf aG* - - - - 10= cGo nufgL - - -

5,471,300.00 s'n nufgL - 5,471,300.00 5,471,300.00 - Joj:yf - - -

5,471,300.00 v"b nufgL - 5,471,300.00 5,471,300.00

cg';"rL 4=12 -s_

k/n d'No ahf/ d'No

? cg';f/

5,471,300.00 1 = z]o/ nufgL 5,471,300.00 7,400,000.00 0.00

1=1 g]kfn SnLo/Lª xfp; ln

471,300.00 4,713 ;fwf/)f z]o/ k|ltz]o/ 100 n] r"Qmf 471,300.00

1=2 l;¢fy{ Do'Ro'on km)* ln

5,000,000.00 500,000 ;fwf/)f z]o/ k|ltz]o/ 10 n] r"Qmf 5,000,000.00 7,400,000.00

1=3========= sDkgL -k|f=ln÷ln_

=========k|ltzt ======= lk|km/]G; z]o/

k|lt z]o/ ? ======n] r"Qmf0.00 2= l*j]Gr/ tyf jG* nufgL 0.00 0.00 0.00

2=1 ======sDkgL- k|f= ln÷ln_

=== k|ltzt l*j]Gr/÷jG* k|lt

l*j]Gr/÷aG* ====== ? n]

2=2 ================

2=3 ===============

5,471,300.00 s'n nufgL 5,471,300.00 7,400,000.00 0.00

0.00 3= hf]lvd ;DjGwL Joj:yf

3=1 ut aif{ ;Ddsf Joj:yf

3=2 o; aif{sf] yk÷#^

0.00 s'n Joj:yf 0.00 0.00 0.00

5,471,300.00 v'b nufgL 5,471,300.00 7,400,000.00 0.00

g]kfn SnLo/Lª xfp; ln sf] ;fwf/)f z]o/ ahf/df ;'lrs/)f e}g;s]sf] tyf g]=/f= a}s lgb]{lzsf adf]hLd pQm nufgLdf gf]S;fgL Joj:yf ug{

cfjZos g/x]sf] / l;¢fy{ Do'Ro'on km)* ln= sf] z]o/ ahf/df ;'lrs/)f e} 2072 ciff( d;fGtsf] ahf/ d"No ? 14.80 /x]sf] % .

t;y{ lo s'g} z]o/x?df Joj:yf /sd %'̂ fPsf] %}g .

Joj:yf /sd


ljj/)f k|of]hg

ut jif{ ljj/)f

z]o/, l*a]Gr/ nufgL tyf aG*df nufgL


o; jif{ ?ut jif{ ? =

nufgL




dfu tyf cNk;"rgfdf k|fKt x'g] /sdx?


1= g]kfn ;/sf/sf] ^]«««h/L ljn

2= g]kfn ;/sf/sf] artkq

3= g]kfn ;/sf/sf] cGo C)fkq

4= g]=/f= a}+s C)fkq

5= ljb]zL C)fkq

6= :jb]zL Ohfhtkqk|fKt ;+:yfsf] z]o/

7= :jb]zL Ohfhtkqk|fKt ;+:yfsf] l*j]Gr/ tyf a)*

8= :jb]zL ;+ul&t ;+:yfsf] z]o/ l*j]Gr/ tyf a)*

9= ljb]zL a}+s nufgL -Placement_

10= Interbank Lending

11= cGo nufgL

s'n nufgL 0 0 0 0 0





5= ljb]zL C)fkq



8= :jb]zL ;+ul&t ;+:yfsf] z]o/ l*j]Gr/ tyf a)*


10= cGo nufgL

s'n nufgL 0 0 0 0 0

ut jif{ gfkmf / -

gf]S;fg_ /sd s}lkmotljj/)f k/n d'No -s_

xfn;Ddsf] Iflt

/sd -v_

o;jif{sf] Iflt

/sd -u_

s}lkmot


g]=/f=a}+= lgb]{zg 4=12=2

e"QmfgL ldlt;Dd wf/)f ug]{ nufgL -Held to Maturity_


ut jif{ gfkmf / -

gf]S;fg_ /sd

o; jif{ gfkmf -gf]S;fg_

/sd -s–v–u_


g]=/f=a}+= lgb]{zg 4=12=1

Jofkfl/s nufgL -Held for Trading_


ljj/)f k/n d'Nokl%Nnf] ahf/

d"No -s_

xfnsf] ahf/

d'No -v_

o; jif{ gfkmf / -

gf]S;fg_ /sd -v–s_





5= ljb]zL C)fkq



8= :jb]zL ;+ul&t ;+:yfsf] z]o/ l*j]Gr/ tyf a)* 5,471,300.00 7,400,000.00


10= cGo nufgL

s'n nufgL 5,471,300.00 7,400,000.00 0 0 0

g]kfn SnLo/Lª xfp; ln sf] ;fwf/)f z]o/ ahf/df ;'lrs/)f e}g;s]sf] / l;¢fy{ Do'Ro'on km)* ln= sf] z]o/ ahf/df ;'lrs/)f e}

2072 ciff( d;fGtsf] ahf/ d"No ? 14.80 /x]sf] % . t;y{ lo s'g} z]o/x?df Joj:yf /sd %'^fPsf] %}g .

s}lkmotljj/)f k/n d"Nokl%Nnf] ahf/

d"No -s_

xfnsf] ahf/

d"No -v_

o; jif{ sf]if ;dfof]hg

/sd -v–s_

ut jif{ gfkmf / -

gf]S;fg_ /sd


g]=/f=a}+= lgb]{zg 4=12=3

laqmLsf] nflu pknAw nufgL -Available for Sale_


cg';"rL 4=13

ljldt cljldt

1,139,452,974.84 1 ;lqmo shf{ ;fk^ (Performing) 88,502,575.13 1,359,246,238.62 - 1,447,748,813.75 - 1,447,748,813.75 1,139,452,974.84 c;n 87,766,220.79 1,353,266,763.68 - 1,441,032,984.47 - 1,441,032,984.47

;'Id lgu/fgL 736,354.34 5,979,474.94 6,715,829.28 6,715,829.28 462,505.22 2 lgl:qmo shf{ ;fk^ (Non Performing) 175,572.41 300,580.30 - 476,152.71 - - - 476,152.71

- 2=1 k'g/;+/rgf / k'gtf{lnlss/)f - - - - - - - 2=2 sd;n 125,835.00 - - 125,835.00 - 125,835.00

355,505.22 2=3 z+sf:kb - - - - - 107,000.00 2=4 v/fj 49,737.41 300,580.30 - 350,317.71 - 350,317.71

1,139,915,480.06 -s_ s'n shf{ 88,678,147.54 1,359,546,818.92 - 1,448,224,966.46 - 1,448,224,966.46 3 shf{ gf]S;fgL Joj:yf

11,734,529.75 3=1 c;n 877,662.21 13,532,667.64 - 14,410,329.85 - 14,410,329.85 3=c= ;'Id lgu/fgL 14,727.09 119,589.50 134,316.59 134,316.59

- 3=2 k'g/;+/rgf÷ k'gtf{lnlss/)f - - - - - - 3=3 sd;n 31,458.75 - - 31,458.75 - 31,458.75

177,752.61 3=4 z+sf:kb - - - - - 107,000.00 3=5 v/fj 49,737.41 300,580.30 - 350,317.71 - 350,317.71

12,019,282.36 -v_ s'n Joj:yf 973,585.45 13,952,837.44 - 14,926,422.89 - 14,926,422.89 4 ut aif{;Ddsf] Joj:yf

8,514,675.22 4=1 c;n 476,437.02 11,258,092.73 - 11,734,529.75 - 11,734,529.75 - 4=2 k'g/;+/rgf÷ k'gtf{lnlss/)f - - - - -

219,645.75 4=3 sd;n - - - - - 4=4 z+sf:kb 177,752.61 - 177,752.61 - 177,752.61

122,207.94 4=5 v/fj 107,000.00 - - 107,000.00 - 107,000.00 8,856,528.91 -u_ ut aif{ ;Ddsf] s'n Joj:yf 583,437.02 11,435,845.34 - 12,019,282.36 - 12,019,282.36

-#_ utaif{sf] Joj:yfaf^ lkmtf{ - 3,162,753.45 -ª_ o;aif{sf] yk Joj:yf 390,148.43 2,516,992.10 - 2,907,140.53 - 2,907,140.53 3,162,753.45 o; aif{sf] v'b #â( 390,148.43 2,516,992.10 - 2,907,140.53 - 2,907,140.53

1,127,896,197.70 v'b shf{ -s - v_ 87,704,562.09 1,345,593,981.48 - 1,433,298,543.57 - 1,433,298,543.57


shf{ ;fk^ tyf laN; vl/b juL{s/)f / ;f]sf] nflu Joj:yf


ut aif{

o; aif{ ?

:jb]zL

ljb]zL hDdf :jb]zL ljb]zL hDdfcGo

ljj/)f

shf{ v/Lb tyf l*:sfpG^ ul/Psf ljN;

ljkGg ju{

cg';"rL 4=13 -s_


1,139,915,480.06 s ;'/lIft 1,448,224,966.46 1,117,020,858.73 1 rn÷crn ;DkQLsf] ;'/If)fdf 1,441,953,375.46

- 2 :jb]zL Ohfht k|fKt ;+:yfsf] hdfgtdf - 1,500,000.00 3 ;/sf/L hdfgt -

- 4 cGt/f{li^«o >])fLs[t a}+ssf] hdfgtdf -

- 5 lgof{t sfuhft (Export Document) sf] ;'/If)fdf - - 6 d'@tL /l;bsf] ;'/If)fdf -

21,394,621.33 s_ ;+:yfsf] cfkm\g} d'@tL /;Lbsf] ;'/If)fdf 6,271,591.00

- v_ cGo Ohfht kq k|fKt ;+:yfsf] d'@tL

/;Lbsf] ;'/If)fdf - - 7 ;/sf/L C)fkqsf] ;'/If)fdf - - 8 sfpG^/ hdfgtdf - - 9 JolQmut hdfgtdf - - 10 cGo ;'/If)fdf -

v c;'/lIft - 1,139,915,480.06 hDdf 1,448,224,966.46


shf{ ;fk^ / ljN; v/Lbsf] ;'/If)f


cg';"rL 4=14

ejg kl/jxg ;fwg

sDKo"^/ tyf

d]lzg/L sfof{no ;fdfg cGo

1= k/n df]n

19,160,748.41 -s_ ut jif{sf] df}Hbft - 2,555,200.00 8,381,073.16 3,212,058.35 6,938,978.79 21,087,310.30

2,420,952.90 -v_ o; jif{ yk - 5,572,600.00 4,012,954.40 1,604,766.27 4,934,110.28 16,124,430.95

- -u_ o; jif{ k'gd"{Nofs+g÷k'gn]{vg - - - - - -

- -#_ o; jif{sf] laqmL - - - - - -

494,391.01 -ª_ o; jif{sf] ckn]vg - 1,857,569.10 - - - 1,857,569.10

21,087,310.30 s"n k/n df]n - 6,270,230.90 12,394,027.56 4,816,824.62 11,873,089.07 35,354,172.15

2= Xf; s§L

10,365,907.13 -s_ ut jif{ ;Ddsf] - 1,791,230.36 5,124,785.02 2,060,273.12 3,579,617.23 12,555,905.73

2,376,332.74 -v_ o; jif{sf] - 796,838.19 1,369,108.92 557,457.40 1,210,710.87 3,934,115.38

290,855.25 -u_ Xf; s§L k'gd"{Nofs+g÷k"g{n]vg - 1,432,025.39 - - - 1,432,025.39

Xf;s§L /sd ;dfof]hg lkmtf{ -

12,451,384.62 s"n Xf; s§L - 1,156,043.16 6,493,893.94 2,617,730.52 4,790,328.10 15,057,995.72

8,635,925.68 3= a's Eofn' -1 - 2_ 5,114,187.74 5,900,133.62 2,199,094.10 7,082,760.97 20,296,176.43

- 4= hUuf - - - - - -

- 5= k"+hLut lgdf{)f -k+"hLs/)f ul/g' kg]{_ - - - - - -

- 6= nLh xf]N* ;DklQ - - - - - - 8,635,925.68 hDdf -3, 4, 5 / 6_ - 5,114,187.74 5,900,133.62 2,199,094.10 7,082,760.97 20,296,176.43


l:y/ ;DklQ


ut jif{ ?= ljj/)f

;DklQ

o; jif{sf] ?=

cg';"rL 4=15

k|ltzt /sd ?=

hDdf

Aoj:yf

s"n hDdf



u}/ a}{ls¬ª\ ;DklQ

gf]S;fgL Joj:yfs'n u}/ a}lsª

;DklQ /sd ?=

u}/ a}+lsª\ ;DklQ

;sf/ u/]sf] ldlt

C)f jf kfl^{sf]

gfd &]ufgfut ji{f ?

v'b u}/ a}lsª

;DklQ ?=

cg';"rL 4=16


247,962.34 1= d;nGb df}Hbft 930,669.95 2= nufgLdf c;"n ug{ af+sL cfDbfgL

69,161.23 3= shf{df c;"n ug{ af+sL Aofh 25,284.30 -69,161.23 Go"g Jofh d'NtjL /sd (25,284.30)

4= c;'n ug{ af+sL sldzg 70,997.28 49,377.45 5= ;)*«L *]^;{ 65,368.51

7,796,271.03 6= sd{rf/L ;fk^L / k]ZsL 7,857,122.31 3,400.00 7= cu|Ld e'QmfgL -

0.00 cu|Ld cfos/ - 8= dfu{:y gub

9= dfu{:y cGo -r]s ;d]t_

10= ljgf ;'rgf *«fkm\^sf] e"QmfgL

- 11= ckn]vg x'g af+sL vr{ - 12= zfvf ldnfg lx;fj

1,301,932.00 13= :yug s/ ;DkQL 1,703,984.00 208,942.33 14= cGo 339,742.58

s= shf{df c;"n x'g jf+ls Jofh 9,286,894.37

9,607,885.15 hDdf 20,254,779.00

cg';"rL 4=16 -s_

ut jif{ ? = ljj/)f

1 Jfif{ ;Dd 1 Jfif{ b]lv dfly 3

jif{ ;Dd

3 aif{eGbf

dfly

hDdf

69,161.23 1= shf{df c;"n ug{ af+sL Aofh 25,284.30 - - 25,284.30

- 2= ljgf ;"rgf *|fkm\^sf] e'StfgL - - - -

- 3= zfvf ldnfg lx;fj - - - -

- 4= :jb]zL tyf ljb]zL Ph]G;L lx;fj - - - -

cGo ;DklQ -yk ljj/)f_


o; jif{ ?=


cGo ;DklQ



cg';"rL 4=17

ut jif{ ljj/)f o; jif{- 1= ;+:yf pk/ bfaL k/]sf] t/ ;+:yfn] bfloTj :jLsf/ gu/]sf] - - 2= k|lttkqx? - dflh{g g#^fO{ k'/f /sd_ - - s= 6 dlxgf eGbf sd cjlwsf] - - v= 6 dlxgf eGbf al( cjlwsf] - - 3= k'gM l*:sfpG^ u/LPsf ljnx? - - 4= Dofb gfl# g;s]sf] Uof/]G^L÷a)* -

45,000.00 s= la* a)* 197,500.00 21,480,619.00 v= k/km/d]G; a)* 16,471,619.00

- u= cGo Uof/]G^L÷a)* - - 5= r'Stf jf e'Stfg x'g jf+sL z]o/ nufgL - - 6= km/jf* PS:r]Gh sG^«fS^sf] jf+sL bfloTjx? - - 7= sn]S;gdf /x]sf lanx? - - 8= dGh'/L tyf ;dy{g (Acceptence and Endorsement) - - 9= k|Tofe"lt k|ltj$tf (Under writing commitment) -

27,074,247.92 10= ckl/jTo shf{ k|ltj$tf (Irrevocable Loan Commitment) 18,860,050.41 - 11= cGt/fli^«o >])fLs[t a}+ssf] sfpG^/ Uof/]G^Ldf lbPsf] Uof/]G^L - - 12= cu|Ld e'QmfgL Uof/]G^L (Advance Payment Guarantee) - - 13= shf{ k|jfxsf] nfuL ljQLo hdfgt (Financial Guarantee) - - 14= cfos/ jfkt ;+efljt bfloTj (Contingent Liabilities on Income Tax) - - 15= cGo ;Defljt bfloTj -

48,599,866.92 hDdf 35,529,169.41

cg';"rL 4=18


165,473,286.22 s= shf{ ;fk^ / clwljsif{df 198,481,575.76 126,650,121.58 1= shf{ ;fk^ 150,990,795.63

38,823,164.64 2= clwljsif{ 47,490,780.13 - -v_ nufgLdf - - 1= g]kfn ;/sf/sf] ;'/If)f kq - - -s_ ^]«h/L ljN; - - -v_ ljsf; C)f kq - - -u_ /fli^«o artkq - - 2= ljb]zL C)f kq - - -s_ - - -v_ - - 3= g]kfn /fi^« a}+ssf] C)f kq - - 4= l*j]Gr/ tyf a)* - - -s_ a}+s÷ljQLo ;+:yfx? - - -v_ cGo ;+:yfx? -

5= cGt/ a}+s nufgLdf Jofh

-s_ a}+s÷ljQLo ;+:yfx?

-v_ cGo ;+:yfx?

- -u_ Ph]G;L df}Gbftdf - - 1= :jb]zL a}+s÷ljQLo ;+:yfx? - - 2= ljb]zL a}+sx? -

10,260,494.01 -#_ dfu tyf cNk;'rgfdf k|fKt x'g]] df}Hbftdf

13,202,242.81 10,260,494.01 1= :jb]zL a}+s÷ljQLo ;+:yfx? 13,202,242.81

- 2= ljb]zL a}sx? - - -ª_ cGodf -

1= ;l^{lkms]^ ckm l*kf]lh^ - - 2= cGt/ a}+s÷ljQLo ;+:yf shf{ - - 3= cGo -

175,733,780.23 hDdf 211,683,818.57


Aofh cfDbfgL



;Defljt bfloTj


cg';'rL 4=19


92,920,213.80 s lgIf]k bfloTjdf 101,531,130.68 1 d'@tL lgIf]k

36,564,355.57 1=1 :jb]zL d'b|f 45,465,270.68 - 1=2 ljb]zL d'b|f -

2 jrt lgIf]k


3 dfu]sf] avt ltg'{kg]{ lgIf]k


4 ;l^{lkms]^ ckm l*kf]lh^;\

- v shf{ ;fk^df - - 1 C)fkq tyf aG* - - 2 g]kfn /fi^« a}+saf^ k|fKt shf{ - - 3 cGt/ a}s÷ljQLo ;+:yf shf{ - - 4 cGo ;+ul&t ;+:yf - - 5 cGo shf{ - - u cGodf - - 1= =========== - - 2 =============== -

92,920,213.80 hDdf 101,531,130.68

cg';"rL 4=20


- s ljN; v/Lb tyf l*:sfpG^ - - 1 :jb]zL - - 2 ljb]zL -

1,490,878.85 v sldzg 1,295,627.04 - 1 k||lttkq -

485,182.00 2 hdfgt kq 315,200.00 143,034.47 3 sn]S;g kmL - 821,349.63 4 /]ld^]G; kmL 980,427.04

- 5 qm]l^* sf*{ - 41,312.75 6 z]o/ k|Toe'lt÷lgisfzg -

- 7 ;/sf/L sf/f]jf/ jfkt - - 8 O= k|f= sdLzg jfkt - - 9 a§f cfDbfgL -

368,453.11 u cGo 577,732.22 1,859,331.96 hDdf 1,873,359.26



sldzg tyf l*isfp)^


Jofh vr{


cg';"rL 4=21

Uft jif{ ?= ljj/)f o; jif{ ?=- 1 ;]km l*kf]lh^ eN^sf] ef*f - - 1 qm]l^* sf*{ lg:sfzg tyf gjLs/)f - - 3 ATM sf*{ lg:sfzg tyf gjLs/)f - - 4 ^]n]S;÷l^= l^ -

11,984,356.00 5 ;]jf z'Ns 15,879,907.50 2,383,665.00 6 gjls/)f z'Ns 2,301,775.50 5,391,948.24 7 cGo 9,651,546.31

19,759,969.24 hDdf 27,833,229.31

cg';"rL 4=22

Uft jif{ ?= ljj/)f o; jif{ ?=- 1= ljlgdo b/df ePsf] km/saf^ - - 2= ljb]zL d'b|f sf/f]af/af^ -a§f afx]s_ - - hDdf cfDbfgL÷-gf]S;fg_ -

cg';"rL 4=23


7,587,269.00 1= tnj 11,331,882.00 2,771,342.30 2= eQf 4,555,436.25

679,793.60 3= ;~rosf]ifdf yk 986,050.00 18,922.00 4= tflnd vr{ 27,670.00 136,521.22 5= kf]zfs 174,776.76

- 6= cf}ifwf]krf/ - - 7= jLdf -

1,155,717.33 8= ljbf tyf pkbfg Joj:yf 2,092,948.34 2,005,887.62 9= sfo{sf/L k|d'v tyf sd{rf/L k|f]T;fxg ;'ljwf 1,246,729.39

499,398.67 10= ljbf /sd sf] e'QmfgL 643,160.00 411,150.00 11= cGo 518,995.00

15,266,001.74 hDdf 21,577,647.74

sd{rf/L vr{


;^xL #â( cfDbfgL÷gf]S;fgL



cGo ;~rfng cfDbfgL




cg';"rL 4=24


1,429,062.00 1= #/ef*f 1,747,152.00 364,329.44 2= aQL, ljh'nL / kfgL 432,082.20

3= dd{t tyf ;Def/

- s= ejg - 156,060.33 v= ;jf/L ;fwg 199,083.68 45,475.91 u= cGo 49,797.50

764,259.75 4= jLdf 382,620.34 300,977.71 5= kf]i^]h, ^]n]S;, ^]lnkmf]g, km\ofS; 383,338.00 179,926.67 6= sfof{no pks/)f kmlg{r/ / ;Def/ 154,778.47 86,252.50 7= e|d)f eQf / vr{ 129,930.75

455,912.32 8= d;nGb / %kfO{ 606,200.39 46,605.00 9= kqklqsf tyf k':ts 51,150.00

293,600.60 10= lj!fkg tyf k|j${g 297,449.87 20,000.00 11= sfg"gL vr{ 25,000.00 10,935.00 12= rGbf 118,526.00

- 13= ;~rfns ;ldlt ;DaGwL vr{ - 296,700.00 s= j}&s eQf 343,800.00 300,163.00 v= cGo vr{ 352,644.00 96,047.50 14= ;fwf/)f ;ef ;DjGwL vr{ 147,805.50

- 15= n]vfk/LIf)f ;DaGwL - 206,500.00 s= n]vfk/LIf)f z"Ns -cfGtl/s n]vf kl/If)f z'Ns ;d]t_ 206,500.00 20,620.00 v= cGo vr{ 82,528.05

- 16= /sd :yfgfGt/)f sldzg 1,215.00 2,376,332.74 17= l:y/ ;DklQdf Xf; s§L 3,937,855.69

- 18= k"j{ ;+rfng vr{ ckn]vg - - 19= z]o/ lgisfzg÷Aoj:yfkg vr{ -

251,225.00 20= k|fljlws ;]jf ;f]wegf{ 815,803.00 28,353.00 21= dgf]/~hg vr{ 42,716.00

- 22= ckn]vg vr{ - 1,902,600.00 23= ;"/Iff vr{ 2,353,900.00

713,677.21 24= shf{ tyf lgIf]k ;"/If)f lk|ldod 780,772.76 - 25= sldzg / l*:sfpG^ -

1,729,020.11 26= cGo 2,185,301.20 806,613.43 s= OGwg tyf ;jf/L s/ vr{ 806,351.59 401,259.74 v= ;b:otf tyf cf/=l^=P;= vr{ 563,831.79 131,051.40 u= OG^/g]^ vr{ 55,346.50 390,095.54 #= cGo 759,771.32

12,074,635.79 hDdf 15,827,950.40

cg';"rL 4=25

ut jif{ ? ljj/)f o; jif{ ?=

3,162,753.45 1= shf{ gf]S;fgL Joj:yfdf ePsf] a[$L 2,907,140.53 - 2 nufgL gf]S;fgL Joj:yfdf ePsf] a[$L - - 3= u}/ a}+lsª\ ;DklQ gf]S;fgL Joj:yf - - 4 cGo ;DklQdf ul/Psf] Joj:yf -

3,162,753.45 hDdf 2,907,140.53


cGo ;~rfng vr{



;Defljt gf]S;fgL Joj:yf


cg';"rL 4=26

Uft jif{ ?= ljj/)f o; jif{ ?=

- 1= nufgL las|Ldf cfDbfgL÷-gf]S;fg_ - (145,744.03) 2= ;DklQ las|Laf^ cfDbfgL÷-gf]S;fg_ 743,675.48

- 3= nfe+fz 750,000.00 - 4 g]kfn /fi^« a}+saf^ k|fKt ;x'lnot - - s= tf]lsPsf] zfvfx?sf] gf]S;fg jfkt Ifltk"lt{ - - v= Aofh Ifltk"lt{ - - u ;^xL sfpG^/ - - 5= cGo -

(145,744.03) v"b u}/ ;+rfng cfDbfgL ÷ -gf]S;fg_ 1,493,675.48

cg';"rL 4=27


- 1= shf{ gf]S;fgL Joj:yfaf^ lkmtf{ - - 2= u}/ a}+lsu ;DklQ gf]S;fgL Joj:yfaf^ lkmtf{ - - 3= nufgL Joj:yfaf^ lkmtf{ - - 4= cGo ;DklQsf] Joj:yfaf^ lkmtf{ - - hDdf -

cg';"rL 4=28


- 1= ckn]vg ePsf] shf{sf] c;'nL - - 2= :jlR%s cjsfz vr{ - - 3 c;'nL x'g g;Sg] shf{sf] ckn]vg -4=28 s_ - - 4 cGo vr{÷cfDbfgL - - 5= ============================ - - hDdf -



c;fdfGo sf/f]jf/x/af^ ePsf] cfDbfgL÷vr{


;Defljt gf]S;fgL Joj:yfaf^ lkmtf{

-cfly{s jif{ 070÷071_


u}/ ;+~rfng cfDbfgL÷gf]S;fg


cg';"rL 4=28 -s_

qm= ;=shf{ k|sf/

ckn]vg ul/Psf]

/sd

lwtf]sf] k|sf/

tyf /sd

lwtf] d"Nofs+g sf]

cfwf/

shf{ :jLs[t ug]{

clwsf/L÷tx

shf{ c;"nLsf nflu eP u/]sf

k|of;s}lkmot

!= rfn" k+"hL shf{ 0.00

@= kl/of]hgf shf{ 0.00

#= l:y/ k+"hL shf{ 0.00

$= JolQmut shf{ 0.00

%= cGo shf{ 0.00

s"n shf{ 0.00

ckn]lvt shf{sf] ljj/)f



cg';"rL 4=29

;+:yfks÷;~rfns÷sfo{sf/L

k|d'vsf] gfd ;fjf Jofh ;fjf Jofh ;fjf Jofh

-s_ ;~rfns

1=

2

-v_ sfo{sf/L k|d'v

1=

2

-u_ ;+:yfks

1=

2

-#_ sd{rf/L

1=

2=

-ª_ z]o/wgLx?

1=

2

hDdf

;+rfns ;ldltn] l:js[t u/] adf]lhd jfx]s sd{rf/LnfO{ s'g} shf{ k|jfx ul/Psf] %}g . ;fy} sd{rf/L ;fkl^nfO{ cGo

;DktLdf b]vfO{Psf] %


;+rfns, sfo{sf/L k|d'v, ;+yfks, sd{rf/L z]o/xf]N*/x?nfO{ uPsf] shf{ ;fk^ ljj/)f -2072 ;fn ciff( d;fGt_

v/Lb tyf l*:sfpG^ ul/Psf ljnx? / shf{, ;fk^ tyf clwljsif{df k|jflxt s'n /sd dWo] ;+~rfns, sfo{sf/L

k|d'v, ;+:yfks, sd{rf/L, z]o/ xf]N*/x? / lghx?sf] kl/jf/sf ;b:o jf To:tf JolQm hdfgL a;]sf] jf d}g]lhª\

Ph]G^ ePsf] s'g} ;+:yf jf sDkgLnfO{ uPsf] /sdsf] ljj/)f b]xfo adf]lhd % .

o; jif{ c;'nLut jif{;Ddsf] jf+sL cfiff( d;fGt;Dd af+sL o; jif{

yk shf{

?= xhf/df cg';"rL 4=30

ljj/)f ut jif{ rfn' jif{

-s_ k|fylds k"+hL 191,130.82 252,425.45

-1_ r'Qmf k+"hL -;fwf/)f z]o/_ 130,014.72 162,518.40 -2_ k|:tfljt jf]g; z]o/ 32,503.68 48,755.52 -3_ z]o/ lk|ldod - - -4_ lkmtf{ gx'g] cu|flwsf/ z]o/ - - -5_ ;fwf/)f hu]*f sf]if 24,306.67 37,159.23 -6_ ;l~rt gfkmf÷-gf]]S;fg_ 1,413.97 4,305.75 -7_ jf;nftdf b]vfO{Psf] rfn' cf=j=sf] gfkmf gf]S;fg lx;fjsf /sd 2,891.78 (313.44) -8_ k+"hL lkmtf{ hu]*f sf]if - - -9_ k+"hL ;dfof]hg sf]if - - -10_ sN; O{g P*efG; - - -11_ cGo :jtGq sf]ifx? -:yug s/ sf]if_ 1,301.93 1,703.98

#^fpg]M - - — Voflt (Goodwill) jfktsf] /sd - - — :yug s/ ;DklQ ( Deferred Tax Assets ) (1,301.93) (1,703.98) — ;Ldf eGbf al( z]o/, ;'/If)f kqdf nufgL ul/Psf] /sd - - — ljQLo :jfy{ /x]sf] sDkgLsf] lwtf]kqdf nufgL u/]sf] /sd

— cjf:tljs ;DklQ (Fictitious Assets) - - — o; a}+ssf] lgb]{zg kfngf gu/L :jk|of]hgsf] nfuL #/ hUuf vl/b

u/]sf] /sd - - — ;Ldf eGbf al( cfjf;, ejg lgdf)f{ tyf hUuf ljsf;df nufgL

ul/Psf] /sd

— tf]lsPsf] ;do leq las|L ljt/)f ug{ g;lsPsf] z]o/ k|Tofe'tL

— k|rnLt P]g tyf sfg'gn] k|ltjGw u/]sf] JolQm tyf ;d'xx?nfO{

k|bfg u/]sf] shf{ tyf ;'ljwfx? - -

-v_ k'/s k"+hL 11,734.53 14,544.65

-1_ c;n shf{sf] nflu ul/Psf] shf{ gf]S;fgL Joj:yf 11,734.53 14,544.65 -2_ cltl/Qm shf{ gf]S;fgL Joj:yf

-3_ xfOlj|* k+"hL pks/)fx? - - -4_ ;'/If)f g/flvPsf] ;xfos cfjlws C)f - - -5_ ;^xL ;lds/)f sf]if - - -6_ ;DkQL k'g{d"Nof+dg - - -7_ nufgL ;dfof]hg sf]if - -

-u_ hDdf k"+hLsf]if -s±+v_ 202,865.35 266,970.10

-3_ hf]lvd efl/t ;DklQsf] cfwf/df sfod ug'{kg{]

Go"gtd k"+hLsf]if

k"+hLsf]if -11 k|ltzt_ 15.18 15.64

k|fylds k"+hL -5=5 k|ltzt_ 14.30 14.79

k"+hLsf]if -clws÷Go"g_ 4.18 4.64

k|fylds k"+hL -clws÷Go"g_ 8.80 9.29


k+"hLsf]if tflnsf


?= xhf/df

gub df}Hbft 0.00 20,242.39 - 43,421.98 - ;'g -ljlgdo of]Uo_ 0.00 - - - - g]kfn /fi «̂ a}+sdf /x]sf] df}Hbft 0.00 7,113.47 - 74,316.58 - g]kfn ;/sf/sf] C)fkqdf ul/Psf] nufgL 0.00 - - - - g]kfn /fi «̂ a}+sC)fkqdf u/]sf] nufgL 0.00 - - - - cfkm\g} d'@tL /;Lbsf] lwtf]df k")f{ ;'/lIft x'g]ul/ k|bfg ePsf]

d'@tL /;Lb lwtf] shf{ 0.00 21,394.62 - 6,271.59 - ;/sf/L C)fkqsf]] lwtf]df k")f{ ;'/lIft x'g]u/L k|bfg ePsf] shf{

0.00 - - - - art kqsf] kfpg' kg]{ Jofh /sd 0.00 - - - - ljkGg ju{ shf{ cGt/ut u)fgf x'g] o'jf tyf ;fgf Joj;foL

:j/f]huf/ sf]ifdf v / u ju{sf Ohfhtkq k|fKt ;+:yfn] hDdf

u/]sf] /sd 0.00 1,500.00 - - - :jb]zL a}+s tyf ljQLo ;+:yfx?df /x]sf] df}Hbft÷d'@tL /l;bsf]

bfjL 0.20 51,940.22 10,388.04 3,000.00 600.00 cGo a}+s÷ljQLo ;+:yfx?sf] d'$tL /;Lbsf] lwtf]df k")f{ ;'/lIft

x'g] u/L k|bfg ul/Psf] d'$tL lwtf] shf{0.20

- - - - ljb]zL a}+sx?df /x]sf] df}Hbft 0.20 - - - - dfu]sf] jvt k|fKt x'g] /sd -Money at Call) 0.20 407,394.39 81,478.88 441,506.23 88,301.25 cGt/fli «̂o >])fLs[t (Rated) Ohfht k|fKt ;+:yfsf] Uof/])^Ldf uPsf]

shf{

0.20

- - - - cGt/fli «̂o >])fLs[t (Rated) a}+sdf u/]sf]] cGo nufgL 0.20 - - - - cGt/ a}+s ;fk^L 0.20 - - - - z]o/, l*j]Gr/ Pj+ a)*df ePsf] nufgL 1.00 5,471.30 5,471.30 5,471.30 5,471.30 cGo nufgLx? 1.00 - - - - shf{ ;fk^ tyf ljN; v/Lb÷l*:sfp)^ ;d]t -s'n /sd_ 1.00 1,117,020.86 1,117,020.86 1,441,953.38 1,441,953.38 l:y/ ;DklQx? 1.00 8,635.93 8,635.93 20,296.18 20,296.18 kfpg' kg]{ cGo v'b Jofh /sd 1.00 - - cGo ;a} ;DklQx? -v'b clu|d s/ bflvnf jfx]s_ 1.00 9,607.89 9,607.89 20,254.78 20,254.78 l;df gf#]sf] l/on : ]̂^÷cfjf;Lo #/ shf{ 1.50

-s_ hDdf 1,650,321.07 1,232,602.90 2,056,492.02 1,576,876.88 v_ jf;nft aflx/sf] sf/f]jf/x? -Off-balance sheet items)

aLN; sn]S;g 0.00 - - - - cu|Ld ljb]zL ljlgdo ;Demf}tf 0.10 - - - - 6 dlxgf eGbf sd cjlwsf] k|lttkq -k'/} /sd_ 0.20 - - - - cGt/fli «̂o >])fLs[t (Rated) ljb]zL a}+ssf] sfp)^/ Uof/]G^Ldf

hf/L ul/Psf] Uof/]G^L0.20

- - - - 6 dlxgf eGbf a(L cjlwsf] k|lttkq -k'/} /sd_ 0.50 - - - - la* j)*, k/km/d]G; j)* / k|Tofe'tL ;DalGw k|ltj$tf 0.50 21,525.62 10,762.81 16,669.12 8,334.56 k'g v/Lb ug]{ zt{df las|L u/]sf] shf{ 0.50 - - clu|d e'QmfgL Uof/])^L 1.00 - - - - ljQLo hdfgt 1.00 - - - - cGo hdfgt 1.00 - - - - ckl/jTo{ shf{ k|lta$tf 1.00 27,074.25 27,074.25 18,860.05 18,860.05 cfos/ jfkt ;Defljt bfloTj 1.00 - - - - Acceptance ;lxt cGo ;a} k|sf/sf ;Defljt bfloTjx? 1.00 - - - - k"gM l*;sfpG^ ul/Psf ljnx? 1.00 - - - - r'Qmf jf e'Qmfg x'g jf+sL z]o/ nufgL 1.00 - - - - e'QmfgLsf] nfuL bfjL k/]sf] hdfgt 2.00 - - - - ;+:yf pk/ bfjL k/]sf] t/ ;+:yfn] bfloTj :jLsf/ gu/]sf]

;Defljt bfloTjx?

2.00

- - - - -v_ hDdf 48,599.87 37,837.06 35,529.17 27,194.61

u_ ;+rfng hf]lvd jfkt sfod ug'{kg]{ /sd 1.00 66,012.84 66,012.84 102,824.60 102,824.60 s"n hf]lvd efl/t ;DklQ -s + v + u_ 1,764,933.78 1,336,452.80 2,194,845.80 1,706,896.09

/sdhf]lvd

efl/t ;DklQ


hf]lvd efl/t ;DklQ ljj/)f tflnsf


rfn' jif{

s_ jf;nft jdf]lhdsf] ;DklQ (On- Balance - Sheet Assets) ef/

ut jif{

cg';"rL 4=30 -s_

/sdhf]lvd efl/t

;DklQ

cg';"rL 4=31

ljj/)f ;"rsF+s

cf=j=

2067÷2068

cf=j=

2068÷2069

cf=j=

2069÷2070

cf=j=

2070÷2071

cf=j=

2071÷2072

1= v'b gfkmf÷s'n cfDbfgL k|ltzt k|ltzt 16.23 17.64 21.96 23.88 26.62

2= k|lt z]o/ cfDbfgL ? 13.34 22.13 30.41 36.25 39.54

3= k|lt z]o/ jhf/ d"No ? 128.00 117.00 137.00 490.00 500.00

4= d"No cfDbfgL cg'kft (PE Ratio) cg'kft 9.59 5.29 4.50 13.52 12.64

5= z]o/ k"+hLdf nfef+++z -jf]g; ;lxt_ k|ltzt 10.53 21.05 25.00 26.32 31.58

6= z]o/ k"+hLdf gub nfef+; e'QmfgL k|ltzt 10.53 1.05 5.00 1.32 1.58

7= Jofh cfDbfgL÷shf{ tyf ;fk^ k|ltzt 16.67 14.55 14.34 14.52 13.71

8= sd{rf/L vr{÷s'n ;~rfng vr{ k|ltzt 17.24 15.53 17.86 17.31 20.77

9= s'n lgIf]k tyf ;fk^Ldf Jofh vr{ k|ltzt 7.29 7.70 7.36 6.51 5.76

10= ;^xL #â( cfDbfgL÷s'n cfDbfgL k|ltzt

11= sd{rf/L af]g;÷s'n sd{rf/L vr{ k|ltzt 17.85 22.55 26.03 30.53 29.86

12= v'b gfkmf÷shf{ ;fk^ k|ltzt 2.96 3.36 3.87 4.13 4.44

13= v'b gfkmf÷s'n ;DklQ k|ltzt 1.93 2.22 2.86 2.88 3.15

14= s'n shf{÷lgIf]k k|ltzt 80.14 76.91 86.26 79.92 82.11

15= s'n ;~rfng vr{÷s'n ;DklQ k|ltzt 8.71 8.73 8.37 7.34 6.81

16= hf]lvd efl/t ;DklQ k"+hLsf]ifsf] kof{Kttf

-s_ k|fylds k"+hL k|ltzt 22.80 18.14 15.20 14.30 14.79

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-u_ s'n k"+hL sf]if k|ltzt 23.70 19.04 16.08 15.18 15.64

17= t/ntf (CRR) cg'kft 0.41 0.39 0.29 0.34 0.32

18= lgis[o shf{÷s'n shf{ k|ltzt 0.11 0.44 0.12 0.04 0.03

19= cfwf/ Aofhb/ (Base Rate)

20= Jofh b/ cGt/ (Weighted Average Interest Rate Spreade) 5.21 4.93 5.14 8.01 8.71

21= a's g]^jy{ ? 102,895,691.36 119,476,745.52 147,012,458.80 192,432,757.78 254,129,437.11

22= s'n z]o/ ;+Vof 902,880 902,880 1,083,456 1,300,147 1,625,184

23= s'n sd{rf/L ;+Vof 33 30 37 41 56

24= cGo


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Annexure 4. 35

In Amount In %

1 Total Capital and Liabilities (1.1 to 1.7) 2,041,978 2,041,566

1.1 Paid Up Capital 162,518.00 211,274 -48,756 -30%

Due to Capitalization of Proposed

Bonus Share

1.2 Reserve and Surplus 94,503.00 42,856 51,647 55%

Due to allocation of proposed dividend

& Bonus Share shown saperately

1.3 Proposed Dividend 2,566 -2,566 100%

Allocation of proposed dividend on

bonus share for tax purpose shown

saperately

1.4 Debenture and Bond

1.5 Borrowing

1.6 Deposits (a+b) 1,763,686.00 1,763,686 0 0%

a. Domestic Currency 1,763,686.00 1,763,686 0 0%

b. Foreign Currency

1.7 Income Tax Liability 1,024.00 927 97 9% Due to advance income tax adjustment

1.8 Other Liability 20,247.00 20,257 -10 0%

2 Total Asstes(2.1 to 2.7) 2,041,978.00 2,041,565 413 0%

2.1 Cash and Bank Balance 120,739.00 120,739 0 0%

2.2 Money at Call and Short Notice 441,506.00 441,506 0 0%

2.3 Investments * 5,471.00 5,471 0 0%

2.4 Loan and advance(a+b+c+d+e) 1,433,298 1,433,298 0 0%

a. Real Estate Loan 81,291.00 81,291.00 0 0%1. Residental Real Estate Loan ( Except Personal Home

Loan upto Rs.80 Lacs)

2. Business Complex & Residential Apartment

Construction Loan

3. Income generating Commercial Complex Loan

4. Other Real Estate Loan (Including Land purchase &

Plotting) 81,291.00 81,291.00 0 0%

b. Persona Home Loan of Rs. 80 Lacs or Less 173,385.00 173,385.00 0 0%

c. Margin Type Loan

d. Term Loan 54,761.00 54,761.00 0 0%

e. Overdraft Loan / Tr Loan / WC Loan 471,744.00 471,744.00 0 0%

f. Other 652,117.00 652,117.00 0 0%

2.5 Fixed Assets 20,297.00 20,296 1 0%

2.6 Non Banking Assets

2.7 Other Assets 20,667.00 20,255 412 2% Due to differed tax adjustment

3

3.1 Interest Income 211,684 211,684 0 0%

3.2 Interest Expenses 101,531 101,531 0 0%

A.Net Interest Income(3.1-3.2) 110,153 110,153 0 0%

3.3 Fee, Commission and Discount 1,824 1,873 -49 -3% Due to tds adjusted on commission

3.4 Other Operation Income 28,583 27,833 750 3% Due to accounting of Dividend.

3.5 Foreign Exchange Gain/Loss

B.Total Operation Income(A.+3.3+3.4+3.5) 140,560 139,859 701 0%

3.6 Staff Expenses 21,581 21,578 3 0%

3.7 Other Operating Expanses 15,833 15,828 5 0%

C.Operating Profit Before Provision(B.-3.6-3.7) 103,146 102,454 692 1%

3.8 Provision for possible Lossess 2,907 2,907 0 0%

D.Operating Profit(C-3.8) 100,239 99,547 692 1%

3.9 Non Operating Income /Expenses(Net) 744 1,494 -750 -101% Due to accounting of Dividend.

3.1 Write Back Of Provision For Possible Loss 0

E.Profit from Regular Acitivities(D+3.9+3.10) 100,983 101,040 -57 0%

3.11 Extraordinary Income /Expenses (Net) 0

F.Profit before Bonus and Taxes(E.+3.11) 100,983 101,040 -57 0%

3.12 Provisoin for staff Bonus 9,180 9,185 -5 0%

3.13 Provision for Tax 27,214 27,592 -378 -1% Due to differed tax adjustment

G.Net Profit /Loss(F.-3.12-3.13) 64,589 64,263 326 1%

Profit and Loss Account

Variance Reason For Variance

Miteri Development Bank Ltd.Dharan, Sunsari

Comparision of Unaudited and Audited Financial Statements

As at 31/03/2072

RS.in'000

S.N. Particulars

As Per

Unaudited

Financial

Statement

As Per

Audited

Financial

Statement

S.N

Particulars

This Quarter

End (072

Ashad end)

Previous

Quarter End

(071 Chaitra

end)

Corresposning

Previous Year

(071 Ashad end)

1 Total Capital and Liabilities (1.1 to 1.7) 2,041,978.00 1,703,870.00 1,638,300.00

1.1 Paid Up Capital 162,518.00 162,518.00 162,518.00

1.2 Reserve and Surplus 94,503.00 75,189.00 29,914.00

Proposed Dividend 1,711.00

1.3 Debenture and Bond

1.4 Borrowing

1.5 Deposits (a+b) 1,763,686.00 1,449,678.00 988,265.00

a. Domestic Currency 1,763,686.00 1,449,678.00 1,426,356.00

b. Foreign Currency

1.6 Income Tax Liability 1,024.00 559.00

1.7 Other Liability 20,247.00 16,485.00 17,243.00

2 Total Asstes(2.1 to 2.7) 2,041,978.00 1,703,870.00 1,638,301.00

2.1 Cash and Bank Balance 120,739.00 98,395.00 79,296.00

2.2 Money at Call and Short Notice 441,506.00 240,690.00 407,394.00

2.3 Investments 5,471.00 5,471.00 5,471.00

2.4 Loan and advance(a+b+c+d+e+f) 1,433,298.00 1,321,013.00 1,127,896.00

a. Real Estate Loan 81,291.00 76,795.00 63,803.00

1. Residental Real Estate Loan ( Except Personal Home

Loan upto Rs.80 Lacs)

2. Business Complex & Residential Apartment

Construction Loan

3. Income generating Commercial Complex Loan

4. Other Real Estate Loan (Including Land purchase &

Plotting) 81,291.00 76,795.00 63,803.00

b. Personal Home Loan of Rs. 80 Lacs or Less 173,385.00 158,688.00 135,680.00

c. Margin Type Loan

d. Term Loan 54,761.00 48,073.00 42,636.00

e. Overdraft Loan / Tr Loan / WC Loan 471,744.00 464,034.00 459,398.00

f. Other 652,117.00 573,423.00 426,379.00

2.5 Fixed Assets 20,297.00 16,475.00 8,636.00

2.6 Non Banking Assets

2.7 Other Assets 20,667.00 21,826.00 9,608.00

3

3.1 Interest Income 211,684.00 150,670.00 175,734.00

3.2 Interest Expenses 101,531.00 75,760.00 92,920.00

A.Net Interest Income(3.1-3.2) 110,153.00 74,910.00 82,814.00

3.3 Fee, Commission and Discount 1,824.00 1,145.00 1,859.00

3.4 Other Operation Income 28,583.00 21,754.00 19,760.00

3.5 Foreign Exchange Gain/Loss

B.Total Operation Income(A.+3.3+3.4+3.5) 140,560.00 97,809.00 104,433.00

3.6 Staff Expenses 21,581.00 13,768.00 15,266.00

3.7 Other Operating Expanses 15,833.00 8,981.00 12,075.00

C.Operating Profit Before Provision(B.-3.6-3.7) 103,146.00 75,060.00 77,092.00

3.8 Provision for possible Lossess 2,907.00 4,547.00 3,163.00

D.Operating Profit(C-3.8) 100,239.00 70,513.00 73,929.00

3.9 Non Operating Income /Expenses(Net) 744.00 633.00 -145.00

3.1 Write Back Of Provision For Possible Loss 0.00 0.00 0.00

E.Profit from Regular Acitivities(D+3.9+3.10) 100,983.00 71,146.00 73,784.00

3.11 Extraordinary Income /Expenses (Net) 0.00 0.00 0.00

F.Profit before Bonus and Taxes(E.+3.11) 100,983.00 71,146.00 73,784.00

3.12 Provisoin for staff Bonus 9,180.00 6,468.00 6,708.00

3.13 Provision for Tax 27,214.00 19,403.00 19,945.00

G.Net Profit /Loss(F.-3.12-3.13) 64,589.00 45,275.00 47,131.00

4

4.1 Capital Fund To RWA (%) 15.49 15.98 15.40

4.2 Non Performing Loan(NPL) to Total Loan 0.03% 0.81% 0.04%

4.3 Total Laon Loss Provision to Total NPL 3135% 153% 2599%

4.4 Cost of Funds 6.95% 7.03% 7.58%

4.5 Credit to Deposit Ratio (Calculated as per NRB Directives) 71.67% 79.27% 70.34%

4.6 Average Interest Spread (Calculated as per NRB Directives) 8.71% 8.66% 8.35%

Rations

MITERI DEVELOPMENT BANK LTD. Mahendrapath, Dharan-5, Phone: 531317, 533505, Fax: 531354

Unaudited Financial Results (Quarterly)As at the end of 31st Ashad 2072 (16th July 2015) Amount in Rs.'000'

Profit and Loss Account

Documents

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