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Project Report

On
“To study the Strength of using CAMELS framework as a tool of
Performance Evaluation for Banking Institutions ’’
Bank of Kathmandu
(2009)

Submitted by Shyam Kr. Ale

Submitted to:
KFA, Katmandu
CERTIFICATE

This is to certify that Mr. Shyam Kr. Ale has completed her project
report titled
“To study the strength of using CAMELS framework as a tool of
performance evaluation for Banking Institution’’ under my
supervision. To the best of my knowledge and belief this if his original
work and this. Wholly or partially has not been submitted for any
degree of this or any other University.

Date: 2009-11-02
Shanthosh Sharma
(KFA Supervisor)
DECLARATION

I hereby declare that this project work entitled To study the


strength of using CAMELS framework as a tool of
performance evaluation for banking institutions is my work,
carried out under the guidance of my company guide MR.
Santosh Sharma. My report neither fully nor partially has
ever been submitted for award of any other degree to either
this university or any other university.

Shyam Kr. Ale


ACKNOWLEDGMENT

Words are the dress of thoughts, appreciating and acknowledging


those who are
responsible for the successful completion of the project.

My sincerity gratitude goes to Mr. Santosh Sharma who assigned me


responsibility to work on this project and provided me all the help,
guidance and encouragement to complete this project.

The encouragement and guidance given by Mr. Santosh Sharma


have made
this a personally rewarding experience. I thank him for his support and
inspiration, without which, understanding the intricacies of the project
would have been exponentially difficult.

I am sincerely grateful to my parents and friends who provided me


with the time and financial assistance and inspiration needed to
prepare this training report in congenial manner.

WITH SINCERE THANKS


Shyam Kr. Ale
Need of Project

Usually all persons want money for personal and commercial


purposes. Banks are the oldest lending institutions in Nepal
scenario. They are
providing all facilities to all citizens for their own purposes by
their terms. To survive in this modern market every bank
implements so many new
innovative ideas, strategies, and advanced technologies. For
that they give each and every minute detail about their
institution and projects to Public.

They are providing ample facilities to satisfy their customers


i.e. Net Banking, Mobile Banking, Door to Door facility, Instant
facility, Investment
facility, Demat facility, Credit Card facility, Loans and
Advances, Account facility etc. And such banks get success to
create their own image in public and corporate world. These
banks always accepts innovative notions in Indian banking
scenario like Credit Cards, ATM machines, Risk Management
etc.

So, as a student business economics I take keen interest in


Nepalease economy and for that banks are the main source of
development.
So this must be the first choice for me to select this topic. At
this stage every person must know about new innovation,
technology of procedure new schemes and new ventures.
Meaning of Bank

The word bank means an organization where people and business can invest or borrow
money; change it to foreign currency etc. According to Halsbury “ A Banker is an
individual , Partnership or Corporation whose sole pre-dominant business is banking ,
that is the receipt of money on current or deposit account, and the payment of Cheque
drawn and the collection of cheque paid in by a customer’’.
ABBREVIATIONS USED

BOK : Bank of Kathmandu Ltd.


HBL : Himalayan Bank Ltd.
NIC : Nepal Industrial And Commercial Bank
ATM : Automatic Teller Machine
BOD : Board Of Directors
C : Capital
A : Assets
M : Management
E : Earnings
L : Liquidity
CAR : Capital Adequacy Ratio
CCR : Core Capital Ratio
NRB : Nepal Rastra Bank
TCF : Total Capital Fund
TRWA : Total Risk Weighted Assets
TCC : Total Core Capital
PL : Performing Loan
NPL : Non- Performing Loan
LLPTNPL : Loan Loss Provision To Non –Performing Loan
LLPTTL : Loan Loss Provision To Total Loan
LLP : Loan Loss Provision
TL : Total Loan
SE : Staff Efficiency
NPAT : Net Profit After Tax
EPS : Earning Per Share
ROA : Return On Assets
ROE : Return On Equity
CRR : Cash Reserve Ratio
C&B : Cash And Bank Balance
The Origin and Use of Banks

The Word ‘bank’ is derived form the Italian word ‘banko’ signifying a bench, which was
erected in the market-place, where it was customary to exchange money. The Lombard
Jews were the first to practice this exchange business, the first bench having been
established in Italy A.D. 808. Some authorities assert that the Lombard merchants
commenced the business of money-dealing, employing bills of exchange as remittances,
about the beginning of the thirteenth century.

About the middle of the twelfth century it became evident, as the advantage of coined
money was gradually acknowledged, that there must be some controlling power, some
corporation which would undertake to keep the coins that were to bear the royal stamp up
to a certain standard of value; as, independently of the ‘sweating’ which invention may
place to the credit of the ingenuity of the Lombard merchants- all coins will, by wear or
abrasion, become thinner, and consequently less valuable; and it is of the last importance,
not only for the credit of a country , but for the easier regulation of commercial
transactions, that the metallic currency be kept as nearly as possible up to the legal
standard. Much unnecessary trouble and annoyance has been caused formerly by
negligence in this respect. The gradual merging of the business of a goldsmith into a bank
appears to have been the way in which banking, as we now understand the term, was
introduced into England; and it was not until long after the establishment of banks in
other countries-for state purposes, the regulation of the coinage, etc. That any large or
similar institution was introduced into England. It is only within the last twenty years that
printed cheque have been in use in that establishment. First commercial bank was Bank
of Venice which was established in 1157 in Italy.
Origin of Banking in Nepal

Nepal's first commercial bank, the Nepal Bank Limited, was established
in 1937. The government owned 51 percent of the shares in the bank
and controlled its operations to a large extent. Nepal Bank Limited was
headquartered in Kathmandu and had branches in other parts of the
country.

There were other government banking institutions. Rastriya Banijya


Bank (National Commercial Bank), a state-owned commercial bank,
was established in 1966. The Land Reform Savings Corporation was
established in 1966 to deal with finances related to land reforms.

There were two other specialized financial institutions. Nepal Industrial


Development Corporation, a state-owned development finance
organization headquartered in Kathmandu, was established in 1959 with
United States assistance to offer financial and technical assistance to
private industry. Although the government invested in the corporation,
representatives from the private business sector also sat on the board
of directors. The Co-operative Bank, which became the Agricultural
Development Bank in 1967, was the main source of financing for small
agribusinesses and cooperatives. Almost 75 percent of the bank was
state-owned; 21 percent was owned by the Nepal Rastra Bank, and 5
percent by cooperatives and private individuals. The Agricultural
Development Bank also served as the government's implementing
agency for small farmers' group development projects assisted by the
Asian Development Bank (see Glossary) and financed by the United
Nations Development Programme. The Ministry of Finance reported in
1990 that the Agricultural Development Bank, which is vested with the
leading role in agricultural loan investment, had granted loans to only 9
percent of the total number of farming families since 1965.

Since the 1960s, both commercial and specialized banks have


expanded. More businesses and households had better access to the
credit market although the credit market had not expanded.
In the mid-1980s, three foreign commercial banks opened branches in
Nepal. The Nepal Arab Bank was co-owned by the Emirates Bank
International Limited (Dubai), the Nepalese government, and the
Nepalese public. The Nepal Indosuez Bank was jointly owned by the
French Banque Indosuez, Rastriya Banijya Bank, Rastriya Beema
Sansthan (National Insurance Corporation), and the Nepalese public.
Nepal Grindlays Bank was co-owned by a British firm called Grindlays
Bank, local financial interests, and the Nepalese public.

Nepal Rastra Bank was created in 1956 as the central bank. Its function
was to supervise commercial banks and to guide the basic monetary
policy of the nation. Its major aims were to regulate the issue of paper
money; secure countrywide circulation of Nepalese currency and
achieve stability in its exchange rates; mobilize capital for economic
development and for trade and industry growth; develop the banking
system in the country, thereby ensuring the existence of banking
facilities; and maintain the economic interests of the general public.
Nepal Rastra Bank also was to oversee foreign exchange rates and
foreign exchange reserves.

Prior to the establishment of Nepal Rastra Bank, Kathmandu had little


control over its foreign currency holdings. Indian rupees were the
prevalent medium of exchange in most parts of the country. Nepalese
currency was used mostly in the Kathmandu Valley and the surrounding
hill areas. The existence of a dual currency system made it hard for the
government to know the status of Indian currency holdings in Nepal.
The exchange rates between Indian and Nepalese rupees were
determined in the marketplace. Between 1932 and 1955, the value of
100 Indian rupees varied between Rs71 and Rs177. The government
entered the currency market with a form of fixed exchange rate between
the two currencies in 1958. An act passed in 1960 sought to regulate
foreign exchange transactions. Beginning in the 1960s, the government
made special efforts to use Nepalese currency inside the country as a
medium of exchange.

It was only after the signing of the 1960 Trade and Transit Treaty with
India that Nepal had full access to foreign currencies other than the
Indian rupee. Prior to the treaty, all foreign exchange earnings went to
the Central Bank of India, and all foreign currency needs were provided
by the Indian government. After 1960 Nepal had full access to all foreign
currency transactions and directly controlled its exports and imports with
countries other than India.

As a result of the treaty, the government had to separate Indian


currency (convertible currency because of free convertibility) from other
currencies (nonconvertible currency because it was directly controlled
by Nepal Rastra Bank). In 1991 government statistics still separated
trade with India from trade with other countries. Tables showing
international reserves listed convertible and nonconvertible foreign
exchange reserves separately.

In the context of Nepal having adopted an open economy, an excessive


level of liquidity will initially exert ressure on the balance of payments
and foreign exchange reserve and subsequently cause adverse effects
on he domestic price situation. Thus, it will be necessary to maintain a
balanced monetary position to attain the conomic growth rate envisaged
in the plan. The sustainable economic growth can only be achieved if
the onetary balance is maintained.

Another important objective of monetary management is to achieve


maximum mobilisation of internal resources.
The monetary policy needs to be oriented towards encouraging the
people to save through the creation of a competitive environment
among banks and financial institutions and motivating the desirous
entrepreneurs to mobilise the available resources through the collection
of' the scattered savings in production and employment
generating programme in the country. In this perspective, it is necessary
along with a planned process of economic development to initiate
programmes that can create new financial bases for the economy,
consolidate the existing ones and encourage healthy competition. A
review of the requirements and availability of resources
reveals that there is a tremendous resource gap between resource
requirements arid its availability in the country;
this is indeed indicative of the fact that a large share of private savings
is still lying outside the domain of institutional systems, In this context, an
efficient mobilisation of internal resources can further enhance the
participation of the private sector in the economic development of the
nation.
Lists of Licensed Commercial Banks (Till May 24, 2009
A.D)

Date of
S.NO Name of Bank Establishment Head Office
(A.D)
1. Nepal Bank Ltd 1937/11/15 Dharmapath,
Kathmandu
2. Rastriya Banijiya Bank 1966/01/23 Shingadurbar plaza,
Kathmandu
3. Nabil Bank Ltd. 1984/07/16 Shingadurbar plaza,
Kathmandu
4. Nepal Investment Bank Ltd. 1886/02/27 Durbarmarg,
(NBIL) Kathmandu
5. Standard Chartered Bank 1987/01/30 New Baneshwor ,
KTM
6. Himalayan Bank Ltd 1993/01/18 Thamel Kathmandu
7. Nepal SBI Bank Ltd. 1993/07/07 Hattisar , KTM
8. Nepal Bangladesh Bank Ltd. 1993/06/05 New Baneshwor,
KTM
9. Everest Bank Ltd. 1994/10/18 Lazimpat, KTM
10. Bank of Kathmandu Ltd 1995/03/12 Kamaladi, KTM
11. Nepal Credit & Commercial Bank 1996/10/14 Siddarthanagar, KTM
Ltd.
12. Lumbini Bank Ltd. 1998/07/17 Narayangadh,
Chitwan
13. Nepal Industrial & Commercial 1998/07/21 Biratnagar, Morangq
Bank Ltd.
14. Machhapuchhre Bank Ltd. 2000/10/03 Prithvi Chowk,
Pokhara
15. Kumari Bank Ltd. 2001/04/03 Putalisadak, KTM
16. Laxmi Bank Ltd. 2002/04/03 Adarshanagar,Birgung
17. Siddhartha Bank Ltd. 2002/12/24 Kamaladi, KTM
18. Agricultural Development Bank 1968/10/19 Ramshahpath, KTM
Ltd.
19. Global Bank Ltd. 2007/01/02 Birjung, Parsa
20. Citizens Bank Int’ Ltd. 2007/06/21 Kamaladi, KTM
21. Prime Commercial Bank Ltd. 2007/09/24 Newroad, KTM
22. Sunrise Bank Ltd. 2007 Garidhara, KTM
23. Bank of Asia Ltd. 2007 Tripureshwor, KTM
24. DCBL Bank Ltd. 2001/02/01 Kamaladi, KTM
25. NMB Bank Ltd. 2008/05 Babarmahal, KTM
26. KIST Bank Ltd. 2009/05/07 Anamnagar, KTM

Source: www.nrb.org.np
Introduction of Bank of Kathmandu

Bank of Kathmandu Limited has become a prominent name in the Nepalese banking
sector. Bank of Kathmandu Ltd. Has become a glorify there corporate slogan “We make
your life easier’’. For the success of the above slogan Bank of Kathmandu is committed
to deliver quality service to customers, generating good return to shareholders , providing
attractive incentives to employees and serving the community through stronger corporate
social responsibility endeavor.

Bank of Kathmandu Limited (BOK) has today become a landmark in the Nepalese
banking sector by being among the few commercial banks which is entirely managed by
Nepalese professionals and owned by the general public.

BOK started its operation in March 1995 with the objective to stimulate the Nepalese
economy and take it to newer heights. BOK also aims to facilitate the nation's economy
and to become more competitive globally. To achieve these, BOK has been focusing on
its set objectives right from the beginning. To highlight its few objectives:

To contribute to the sustainable development of the nation by mobilizing domestic


savings and channeling them to productive areas

• To use the latest banking technology to provide better, reliable and efficient
services at a reasonable cost
• To facilitate trade by making financial transactions easier, faster and more reliable
through relationships with foreign banks and money transfer agencies
• To contribute to the overall social development of Nepal

TECHNOLOGY

BOK's IT infrastructure has been designed, to facilitate, internal and customer


convenience. Nationwide, all the branches are connected to the central database via Wide
Area Network (WAN) powered by Finacle, state-of-the-art banking application software
supported by hardware like SUN Fire V880 RISC server, VSAT etc. Internally, BOK
relies on Information & Communication Technology (ICT), for a quick, reliable, efficient
system. Banking operations are powered by Finacle, which is listed among the top 40
companies that have reshaped the global economy as per the Wired Magazine.
FINACLE

• BOK takes pride in using Finacle, banking application software, “The Banker”
Technology Award 2004.
• Certified by Information Technology Association of using certified processes and
methods
• One of the first banking products to be JAVAtised to enable to operate
effectively, provide better customer services challenges of the internet paradigm.
• Is installed in more than 400 sites across the world.

INTERNET BANKING

With the aim of providing banking services at the customer's fingertips, BOK is starting
Internet Banking and Alert Service very soon. In Internet Banking, BOK will provide
Consumer e-banking (Core, Retail and Bill Payment) as well as Corporate e-banking
facilities (Trade financing and web based Cash Management).

Board of Directors

Mr. Narendra Kumar Basnyat


Chairman

Mr. Satya Narayan Manandhar


Director

Mr. Bijaya Krishna Shrestha


Director
Mr. Ramesh Nath Dhungel
Director

Mr. Govinda Prasad Sharma


Director

Dr. Hem Raj Subedee


Director

Mr. Bishnu Prasad Banjade


(Rep. of Rahul Investment P. Ltd)
Director

Product of BOK

Product and Services Provide by BOK :-

1. Deposit Products :
a. Current Account: To suit every business need BOK has tailor made
Current account which rightly meets your needs in today's faced paced
business. With advanced technological features all your banking needs are
well taken care of. You can have access to your account from all our BOk
branches in just few seconds.

Features
Minimum Balance - NPR 10,000 in Kathmandu Valley Branches and NPR
5,000 in Outside Valley Branches

Facilities
i. Anywhere Branch Banking Services
ii. Extended Banking Hours in Kathmandu Valley Branches
iii. Standing Instruction is accepted looking at the feasibility of the
request.
iv. Cash Management
v. Free Chequebook
b. Saving: Bank savings accounts are a critical part of everybody's financial
picture. If you need a safe place to keep money, a bank savings account is
often a good choice. Here’s a quick review of what savings accounts are
and why you might want to have a bank savings account.

Saving account has some of the benefits listed below:


1. Easy access to Bank saving account.
2. Bank saving account grows your money.
3. Bank saving account are relatively save.

Some of the facilities given by BOK in saving account listed below:


i. Ladder Saving: Ladder Savings of BOk not just helps you to save
money but also helps your money to grow, with competitive
interest rates on daily balance. This power packed account is well
packaged with all the various banking services. You can earn
interest up to 4.25% on daily balance in this savings scheme.

Features
1. Interest is given on daily balance depending upon the amount
deposited.
2. Minimum balance to be maintained in this account is Rs.50,000
only.
3. Ledger fee of Rs.200 will be deducted from the account if the
minimum balance is not maintained.

Facilities

1. Free Anywhere Branch Banking Services


2. Free stop payment processing
3. Free SMS banking.
4. TC/BD issuance at special discount rate.
5. ATM Card (No Issuance charge).
6. Free Good for Payment.
7. Free Balance Certificate issuance.
8. On demand account statement.
9. Unlimited withdrawals.
10. Free Inward Service

ii. General Saving : General Saving offers competitive rate of


interest on daily balance.

Features
1. Minimum balance to be maintained Rs. 15,000 only for
Kathmandu Valley branches and Rs. 5000 for outside valley
branches.

2. Interest is given on daily balance.

Facilities
1. Anywhere Banking Service.
2. Free Cheque book
3. Extra hour banking services through evening counters(in
Kathmandu Valley
4. Non-restricted transactions for deposits and withdrawals
5. ATM for easy transactions.
6. Mobile Phone Bill Payment Services ( at standing
instruction)

iii. Call Accounts : To manage large volume of surplus funds of your


organization you can open an Operative Call Account at Bank of
Kathmandu and can earn additional earnings for your excess funds.

Features
1. Either current or saving account to be maintained
2. Interest Calculated on Daily Balance.
3. Withdrawals from this account should be pre-informed.
4. Deposits will be accepted only during working hours only.
5. Cheque book will not be issued for this account.
iv. Term Deposite :
1. Fixed Deposite : Tenure ranging from seven days to over
three years, Fixed Deposit at Bank of Kathmandu allows
you to diversify your portfolio to best suite your investment
plan.
Features:
I. One master account (i.e. Savings or Current) is
required to be maintained with the bank.
II. Interest will be given at maturity.
III. Minimum amount to be deposited is Rs.50, 000.

Facilities
1. Standing instruction or specific instruction could be given at the time of account
opening.

Documentation
1. For organization, a Board minute is required.
2. For Individual 2 set of photographs and the copy of citizenship is required

v. Recurring Deposits : To build up your savings BOk has introduced Recurring Savings
Scheme where in monthly equated deposits over a fixed period of time yields higher
returns.

1. Kopila Bachat Yojana for minors


2. Mero Bachat Yojana for young age group

Features

1. Flexible deposit facility.


2. Account for children below 16 years of age for Kopila Bachat and above 16 years for
Mero Bachat.
3. No automatic closure.
4. Quarterly interest payment.
5. Loan up to 90% available against the total account balance.
6. Minimum balance in multiples of Rs. 1000 inside valley & multiples of Rs 500 outside
valley.
7. Depending upon your requirement, savings plan for Recurring Saving Scheme can
range form 2 to 10 years.

2. Loan & Advances:

A. Corporate Credit (Loan):

1. Project Finance (Term Loan): Based on the viability of the project/proposal, Term Loan to finance the long-term financing
need of a firm/company may be made available. This loan is normally provided up to 65% of the financing requirement with a
maximum tenure of 60 months. Terms could vary depending upon the need of the project.

2. Working Capital Finance: Based on the nature of a business/transaction, various types of working capital facilities/loans may
also be availed. Some of the commonly offered products under this category are as follows:

i. Overdraft: This revolving/open term facility enables a firm/company to manage their varying daily cash requirement.

ii. Demand / Short-term loan (Trade Finance): These facilities are normally provided to support one-off or any particular short-
term transactions.

iii. Trust Receipt/ Importers Loan (Trade Finance): Majority of the businesses in Nepal depend on imported items. Short-Term
Trust Receipt Loans are the most common/popular product available to finance such requirement.

iv. Export Loan: Export loan facilitates to the exporters to process/collect stocks for exports.
3. Consortium Lending / Finance / Credit: Bank of Kathmandu has developed skills in syndicating large project loans and has
successfully applied them in tying-up a number of large deals.

3. Business Credit (Small & Medium):

1. Demand / Short-term loan (Trade Finance): These facilities are normally provided to support one-off or any particular short-
term transactions.

2. Trust Receipt/ Importers Loan (Trade Finance): Majority of the businesses in Nepal depend on imported items. Short-Term
Trust Receipt Loans are the most common/popular product available to finance such requirement.

3. Other Types of Business Credit (Loan):

i. Loan against Fixed Deposit: Loan against fixed deposit enables you to manage the short-term cash need without breaking the
deposits.

ii. Loan Against Govt. Bond / 1st Class Bank Guarantee: A low cost secured loan product offered to you for managing your
financing need.

iii. Priority Sector/ Deprived Sector Loan: By virtue of this product small entrepreneur/individual may also avail loan up to NPR
2.5 million.

iv. Consortium Financing: Bank of Kathmandu has developed skills in syndicating large project loans and has successfully
applied them in tying-up a number of large deals.

4. Consumer Lending / Retail Credit :

1. Housing Loan:

Financing accommodation facility for individuals. Key terms:

• Interest Rate: 9.5% p.a - 11% p.a


• Processing Fee: 1%
• Payment Fees:
• 0.5% p.a if prepaid within one year
• 1% flat if prepaid after one year
• Maximum Finance: 70% of the eligible expenses.
• Repayment System: Equated Monthly Installment.
• Tenure: Maximum 20 years.

2. Vehicle Loan:
i. Car4U Loan

Financing cars, vehicles for private use. Key terms:

• Maximum Tenure Up to 8 years


• Interest rate 9% p.a - 10.5% p.a
• Processing fee 1 percent
• Maximum Finance: 80% of the cost of vehicle
• Maximum Tenure upto 6 years

ii. LCV Loan / Buses

Financing micro/ mini buses to be operated on commercial basis. Key terms:

• Indicative interest rate 12.0%


• Financing up to 70% of the vehicle
• Maximum Tenure of 4 years

iii. LCV Loan / Trucks

Financing brand new pick up trucks to be operated for transaction of goods. Key terms:

• Indicative interest rate 11.5%


• Financing up to 70% of the vehicle
• Maximum Tenure of 3 years

3. Education Loan:

Financing students for their graduation or post graduation studies. Key terms:

• Maximum Tenure Up to 10 years


• Interest rate 11% p.a.
• Processing fee 1%
• Prepayment Fee 0.5% p.a on the prepaid amount within 1 year, 1% flat on prepaid amount after 1 years
• Restructing fee 0.25% p.a
• Loan Swap fee 2% p.a. on the outstanding amount
4. Festivity Loan:

Key terms:

• Maximum Tenure Up to 10 years


• Interest rate 11% p.a
• Processing fee 1%
• Prepayment Fee 2 % flat on the prepaid loan

5. Foreign Employment Loan:

Financing eligible individuals recommended by His Majesty’s Government going abroad on a pre arranged employment through a
recognized emplo9yment agency .

Key terms:

• Indicative interest rate 11%.


• Financing up to NRP 100,000 or 80% of the Cost whichever is lover.
• Maximum, Tenure of 18 Months.

5. Development Credit: The goal of Development Credit is to provide quality financial services to marginalized groups and poorer
sections of society through intermediaries e.g. Micro Finance Institutions, Co-operatives, Financial Intermediary Non
Governmental Organizations, Development Banks, Community Based Organizations and other registered organizations.

Products:

1. General Micro Finance

This product has been devised for financing general micro finance loans to clients through partner institutions involved in offering
Micro Finance services.

A micro finance loan is defined as a loan used for various income generating activities including, but not limited to, purchase of
livestock, loans for mini-grocery stores, vegetable loans, etc. Non-income generating loans such as installing bio-gas units shall
also be availed but only with prior approval from Bank of Kathmandu.

2. Agriculture and Forest Based Product Loan:

The product has been devised to allow farmers, agricultural cooperatives, community forest user groups and other registered
institutions engaged in producing and processing agricultural and forest based products to have access to finance for funding
working capital requirements, plantation expenditures and purchasing livestock and accessories.

3. Equpment Finance:

The product aims to finance the cost of equipments of various purposes to individuals, groups and institutions operating Small and
Medium Enterprises with an objective to raise income in rural and urban areas of Nepal.

4. Vehicle and Accessories Finance:

The product has been devised for financing vehicles and vehicle related accessories to self-employed low income earning
entrepreneurs. Loans will be of a Hire Purchase and on an owner-driver concept.
6. Other Products & Service:

• Development Credit
• International Trade ( Letter of Credit , Bank Guarantees etc.)
• Global Banking Solutions (E-Fund Transfer)
• SWIFT Transfer
• Demand Draft
• Traveler’s Cheque
• Remittance
• Debit Card / ATM’S
• Salary Management
• Cash Management
• Gift Cheque
• Safe Deposit Locker
• Gift Cheque
• Safe Deposit Locker
• NRN Banking
• BOK Visa Credit Card

Capital Structure:

Particulars Amount (Rs.)


Authorized Share Capital 1000000000
Issue Share Capital 603141300
Paid Up Capital 603141300

Share Ownership:

Particulars Percentage (%) Amount (Rs.)


Promoters 42% 252170000
Public Share Holder 58% 350971300
Total 100% 603141300

BOK Branches :

S.No. Branch Address


1. Head Office Kamalpokahari, Kathmandu
2. Thamel Branch Thamel, Kathmandu
3. New Road Branch New Road, Kathmandu
4. Butwal Branch Rajmarg Chaurha, Butwal
5. Hetauda Branch Mainroad Hetauda, Makawanpur
6. Dhangadhi Branch Main road chauraha, Dhangadhi
7. Pokhara Branch Newroad, pokhara
8. Biratnagar Branch Main Road Biratnagar
9. Birjung Branch Adarsha Nagar, Birjung, Parsa
10. Amlekhgunj Branch Main Road , Amlekhgunj
11. Itahari Branch Paschim Line, Itahari, Sunsari
12. Janakpur Branch Station Road, Janakpur
13. Kohalpur Branch Dus Bigha-13, Kohalpur, Bake
14. Gongabu Branch Samakhushi Chowk, Gongabu, Kathmandu
15. Tatopani Branch Tatopani, Sindhupalchok
16. Jawalakhel Branch Jawalakhel, Lalitpur
17. Surkhet Branch Birendra Chowk, Birendranagar-6 , Surkhet
18. Ghorahi Branch Naya Sadak, Ghorahi, Dang
19. Tulsiur Branch Ka Line BP Chok, Tulsipur , Dang
20. Jumla Branch Chandan Nath VDC 6, Jumla, Karnali
21. Balaju Branch Balaju Industrial District (BID) , Balaju
22. Attariya Branchq Geta V.D.C. -03, Dhangadhi Road, Attariya
23. New Baneshwor Branch New Baneshwor, Kathmandu
24. Gyaneshwor Branch Gyaneshwor, Kathmandu
25. Tripureshwor Branch Tripureshwor, Kathmandu
26. Chabahil Branch New Baneshwor, Kathmandu
27. Bhaktapur Branch Suryabinayak, Bhatapur

BOK ATMS

 Kamalpokhari, Kathmandu
 New Road, Kathamndu
 Supreme Court, Singha Durbar, Kathmandu
 Krishna Tower, New Baneshwor, Kathmandu
 Jawalakhel, Lalitpur
 Nepaljung
 Pokhara
 Namche
 Surkhet
 Ghorahi
 Butwal
 Chabahil, Chuchhepati, Kathmandu
 Thamel, Kathamndu
 New Road Lounge, Dharmapath
 Gyaneshwor, Kathmandu
 Tripureshwor, Kathmandu

Focus:

Currently at present, BOK has been focusing land on retail banking consumer finance. Beside this, BOK this , BOK focuses on
giving its best services to general public introducing new ways and means of services. It is slowly following sophisticated banking
products and fee based services. It aims to continue the operation providing goods, services speeding in opening new branches
within the different geographical location. Also, recently it has lunch internet Banking Services.

Corporate Social Responsibility:

As a true corporate citizen BOK has contribution towards the betterment of the society in
every way possible. With endless possibilities, BOK aims at doing the most, in diverse
avenues. Be it organizing HIV/AIDS walkathon, blood donation program or keeping
environment clean, BOK constantly endeavors to reach out to those that need most support.

1. BOK has been supporting the deprived student of help to the helpless counsil
( DHARAN ) through its educational support program.
2. BOK supported a scholarship program organized by development and Equity for
woman empowerment, Nepal for underprivileged students.
3. BOK with a mission to support BAL Mandir orphans Project, Naxal, supported 2nd
annual dinner fundraiser at 1905, Kantipath. Organized by Nepal; Children’s
Organization.
4. BOK made an effort to help schools in remote areas ( Far Western Region, Nepal )
5. in order to enhance the quality education in that area by supporting a pilot Adop-A-
School program launched by asave the childrean Kathmandu.
6. As a mission to create awareness and support for the treatment and rehabilitation
center for disabled children, BOK supported Hospital and Rehabilitation Center for
disabled children ( HRDC ) to host the 3rd CMS Abilities Cup 2008.
7. BOK made an effort to create an opportunity for the disabled children to be self
employed by providing them with computer trainings by supporting skill Development
and Rehabilitation Center for Disable-Nepal.
8. BOK distributed clothes to the flood victims of Bank Districts through “ Hridaya
Group’’ – Social Youth Organization.
9. As a part of its commitment to be socially responsible, BOK organized its 2nd of the
knowledge series one day workshop “seize the future- A Visionary Leadership
Workshop ‘’. The proceeds form the workshop plus an addition of two hundred and
fifty thousand rupees were contributed to Hospital and Rehabilitation center for
disable children ( HRDC ) in order to support the disabled children of Nepal.
10. Furthermore, the workshop was organized with an aim to create a perspective for
the participant on both internal and external challenges that he/she is facing in
leading the organization and to help them develop a plan of action to successfully
tackle the challenges.
11. BOK is a committed supporter to TEWA in its Endeavour in building equitable, just
and inclusive society (with special focus on Woman ) by increasing self reliance of
Nepalese by reducing dependency on foreign donors.
12. BOK has been supporting TEWA to organize many fund raising events in the past
years. TEWA with support of BOK recently organized ‘ Deep Prajwalan ‘ a fund
raising event in support of rural Nepalese women’s groups for promoting equitable
justice and peace in the society.
13. To make the world HIV/AIDS day, Bank of Kathmandu decided to do something
different this time and donated full set of clothes and foodstuffs to 22 HIV positive
children of Keta Keti Ashram, Bansbari and Kathmandu.
14. BOK joined hands with Traffic police post, Gaushala wigh an attempt to convey the
Traffic social Massages by helping place banners in public vehicles ( with Traffic
Massages ) in order to create social awareness among the people regarding the
traffic rule.
15. BOK joined hands with Naxal Yuva Mandal in order to restore Naag Pokhari with its
mission towards CSR focusing environment activities.

Branch & Network of Bank of Kathmandu

Head Office Kamal Pokhari Branch


Bank of Kathmandu Limited, P.O. Box 9044, Kamal Bank of Kathmandu Limited
Pokhari, Kathmandu, Nepal Kamalpokhari, Kathmandu, Nepal
SWIFT: BOKLNPKA
Telex: 2820 BOK NP Tel: (977 1) 4414541
Tel: (977 1) 4414541 Fax: (977 1) 4418990
Fax: (977 1) 4418990 Email: info@bok.com.np
Email: info@bok.com.np Branch Manager: Girija Malla
Thamel Branch New Road Branch
Bank of Kathmandu Limited Bank of Kathmandu Limited
Thamel, Kathmandu, Nepal New Road, Kathmandu, Nepal

Tel: (977 1) 4701201, 4701202 Tel: (977 1) 4231556, 4231557


Fax: (977 1) 4410143 Fax: (977 1) 4223279
Branch Manager: Ajupa Shrestha Branch Manager: Thaman B Khatri
Butwal Branch Hetauda Branch
Bank of Kathmandu Limited Bank of Kathmandu Limited,
Rajmarg Chaurha, Butwal, Rupandehi, Nepal Main Road, Hetauda, Makawanpur, Nepal

Tel: (977 71) 541692/5417740 Tel: (977 57) 521331


Fax: (977 71) 541642 Fax: (977 57) 523018
Branch Manager: Branch Manager: Ranjitsore Malla
Nepalgunj Branch Dhangadhi Branch
Bank of Kathmandu Limited Bank of Kathmandu Limited
Nepalgunj, Dhamboji, Surkhet Road Dhangadhi, Main Road Chauraha,
Banke, Nepal Kailali, Nepal

Tel: (977 81) 523185, 523484 Tel: (977 91) 523386


Fax: (977 81) 523187 Fax: (977 91) 522853
Branch Manager: Mahesh Mishra Branch Manager: Surendra Bahadur Shahi
Pokhara Branch Biratnagar Branch
Bank of Kathmandu Limited Bank of Kathmandu Limited
Newroad, Pokhara, Gandaki, Nepal Main Road, Biratnagar, Koshi, Nepal

Tel: (977 61)539150 Tel: (977 21) 536904, 536905


Fax: (977 61) 539151 Fax: (977 21) 536906
Branch Manager: Jit Bahadur Saru Branch Manager: Sushma Maskey
Birgunj Branch Amlekhgunj Branch
Bank of Kathmandu Limited Bank of Kathmandu Limited
Adarsha Nagar, Parsa, Birgunj, Nepal Mainroad,Bara, Amlekhgunj, Nepal

Tel: (977 51)534025, 534026 Tel: (977 53)570033


Fax: (977 51) 534027 Fax: (977 56)
Branch Manager:Dipendra Budathoki Branch In-charge: Rudra Raj Ghalan
Itahari Branch Janakpur Branch
Bank of Kathmandu Limited Bank of Kathmandu Limited
Paschim Line, Itahari-1,Sunsari, Nepal Station Road, Dhanusha, Janakpur, Nepal

Tel: (977 25) 586710, 586711 Tel: (977 41) 527372


Fax: (977 25) 586712 Fax: (977 41) 527373
Branch Manager: Anjani Kumar Subedi Branch Manager: Naresh Baskota
Kohalpur Branch Gongabu Branch
Bank of Kathmandu Limited Bank of Kathmandu Limited, Gongabu,
Kohalpur, Dus Bigha-13, Banke, Nepal Samakhusi Chowk, Kathmandu, Nepal

Tel: (977 81) 541343 Tel: (977 1) 4385711, 4385712


Fax: (977 81) 541344 Fax: (977 1) 4385573
Branch Incharge: Kalpana Pudasaine Branch Manager: Surendra Madhikarmi
Tatopani Branch Jawalakhel Branch
Bank of Kathmandu Limited Bank of Kathmandu Limited
Liping, Tatopani, Sindhupalchowk, Nepal Lalitpur, Nepal

Tel: (977 19) 633026 Tel: (977 1) 5524624, 5526228


Fax: (977 19) 633026 Fax: (977 1) 5523632
Branch Incharge: Pradip Khadka Branch Manager: Chiranjivi Bista
Surkhet Branch Ghorahi Branch
Bank of Kathmandu Limited Bank of Kathmandu Limited
Birendra Chowk Birendranagar-6, Naya Sadak, Ghorahi, Dang, Nepal
Surkhet, Nepal
Tel: (977 82) 561951, 561952
Tel: (977 83) 523663, 523664 Fax: (977 82) 561953
Fax: (977 83) 523665 Branch Manager: Chhabi Kumar Subedi
Branch Incharge: Karna Bahadur Bhandari
Tulsipur Branch Jumla Branch
Bank of Kathmandu Limited Bank of Kathmandu Limited
Ka Line BP Chowk, Tulsipur, Dang, Nepal Chandan Nath VDC 6, Jumla, Karnali, Nepal

Tel: (977 82) 522691, 522692 Tel: (977 87) 520298


Fax: (977 82) 522693 Fax: (977 87) 520300
Branch Incharge: Praveen Shah Branch Incharge: Bikrant Shahi
Balaju Branch Attariya Branch
Bank of Kathmandu Limited Bank of Kathmandu Limited
Balaju Industrial District (BID), Balaju, Kathmandu, Nepal Geta V.D.C.-03, Dhangadhi Road,
Attariya, Kailali, Nepal
Tel: (977 1) 4357713, 4380554
Fax: (977 1) 4357284 Tel: (977 91) 550921
Branch Manger: Meena Singh Fax: (977 91) 550969
Branch Incharge: Sagar Ojha
New Baneshwor Branch Gyaneshwor Branch
Bank of Kathmandu Limited Bank of Kathmandu Limited
New Baneshwor, Kathmandu, Nepal Gyaneshwor, Kathmandu, Nepal

Tel: (977 1) 4460699 Tel: (977 1) 4411181


Branch Manager: Nirmal Acharya Fax: ( 977 1) 4412278
Branch Manager: Prajwal Pant
Tripureshwor Branch Chabahil Branch
Bank of Kathmandu Limited, Tripureshwor,Kathmandu, Bank of Kathmandu Limited
Nepal Chabahil Chowk, Kathmandu, Nepal

Tel: (977 1) 4229271, 4229272 Tel: (977 1) 4499744


Fax: (977 1) 4229279 Fax: (977 1) 4490955
Branch Manager: Ek Raj Rawa Branch Manager: Santosh H. Adhikari
Bhaktapur Branch Tikapur Branch
Bank of Kathmandu Limited Bank of Kathmandu Limited
Suryabinayak, Bhaktapur, Nepal Jamara Pari, Manuwa Road, Tikapur-09,kailali, Nepal

Tel: (977 1) 6619334, 6619335 Tel: 091-561181


Fax: (977 1) 6619336 Fax: 091-561182
Branch Manager: Kabiraj Khatri Branch Manager: Yagya M. Pandit
Guleriya Branch Dadeldhura Branch
Bank of Kathmandu Limited Bank of Kathmandu Limited
Radha Krishna Chour, Guleria, Nepal Tuphandada, Amargadi-05,
Dadeldhura, Nepal
Tel: 084-421215
Fax: 084-421214 Tel: 096-420094
Branch Manager: Virat Bikram Verma Fax: 096-420093
Branch Manager: Ashutosh Khadka
Urlabari Branch
Bank of Kathmandu Limited
Urlabri-4, Itahara Road, Urlabari, Nepal

Tel: 021-541881, 541882


Fax: 021-541883

ATM LOCATIONS

BOK owned ATMs

• Bank of Kathmandu Limited, Kamal Pokhari, Kathmandu


• Bank of Kathmandu Limited, New Road, Kathmandu
• Bank of Kathmandu Limited, Supreme Court, Singha Durbar, Kathmandu
• Bank of Kathmandu Limited, Krishna Tower, New Baneshwor, Kathmandu
• Bank of Kathmandu Limited, Jawalkhel, Lalitpur
• Bank of Kathmandu Limited, Nepalgunj
• Bank of Kathmandu Limited, Pokhara
• Bank of Kathmandu Limited, Namche
• Bank of Kathmandu Limited, Surkhet
• Bank of Kathmandu Limited, Ghorahi
• Bank of Kathmandu Limited, Butwal
• Bank of Kathmandu Limited, Chabahil, Chuchhepati, Kathmandu
• Bank of Kathmandu Limited, New Baneshwor
• Bank of Kathmandu Limited, Thamel
• Bank of Kathmandu Limited, New Road Lounge, Dharmapath
• Bank of Kathmandu Limited, Gyaneshwor
• Bank of Kathmandu Limited, Tripureshwor
• Bank of Kathmandu Limited, Kumaripati Lounge
• Bank of Kathmandu Limited, Kohalpur
• Bank of Kathmandu Limited, Tikapur
• Bank of Kathmandu Limited, Guleriya
• Bank of Kathmandu Limited, Bhaktapur
• Bank of Kathmandu Limited, Attariya
• Bank of Kathmandu Limited, Gongabu
• Bank of Kathmandu Limited, Hetauda
• Bank of Kathmandu Limited, Birgunj
• Bank of Kathmandu Limited, Janakpur
• Bank of Kathmandu Limited, Biratnagar
• Bank of Kathmandu Limited, Itahari
• Bank of Kathmandu Limited, Chabahil
• Bank of Kathmandu Limited, Om Hospital
ATM location under SCT Network:

Inside Valley:
1. Himalayan Bank Limited, Thamel.
2. Himalayan Bank Limited, Newroad.
3. Himalayan Bank Limited, Patan.
4. Himalayan Bank Limited, Mangal Bazar
5. Himalayan Bank Limited, Maharajgunj.
6. Himalayan Bank Limited, Bhaktapur.
7. Himalayan Bank Limited, New Road (Near Hot Breads.)
8. Bank of Kathmandu, Kamaladi.
9. Bank of Kathmandu, New Road.
10. Everest Bank Limited, New Baneshwor.
11. Everest Bank Limited, Khicha Pokhari, New Road.
12. Everest Bank Limited, Pulchowk.
13. Everest Bank Limited, TIA (Airport.)
14. Laxmi Bank Limited, Hattisar.
15. NCC Bank Limited, Chabahil.
16. NCC Bank Limited, Bagbazar.
17. Machhapuchchhre Bank limited, Putali sadak.
18. Blue Bird Department Store, Lazimpat.
19. Blue Bird Department Store, Tripureshwor.
20. Nanglo, Durbarmarg.
21. Hotel Garuda, Thamel.
22. Metro Mall Soaltee Compound, Tahachal.
23. Big C Shopping Center ,Gaushala, Kathamadu.
24. NIC Bank Limited, Kamaladi
25. Lumbini Bank Limited, Durbarmarg.
26. Suvam Convenience Store, Maharjgunj.
27. BhatBhateni Department Store, BhatBhateni.
28. Nabil Bank Limited, Kantipath
29. Nabil Bank Limited, New Road.
30. Nabil Bank Limited, Kupondole.
31. Nabil Bank Limited, Maharajgunj.
32. Thamel Mart, Thamel.
33. Bakery Café, Tridevi Marg, Thamel.
34. Gemini Grocer, Bouddha, Tushal.
35. Bhaktapur Durbar Square, Bhaktapur.
36. Nepal Bangladesh Bank Limited, Kathmandu Plaza.
37. Nepal Bangladesh Bank Limited, Kumaripati.

Outside the Valley:

38. Laxmi Bank Limited, Banepa.


39. Laxmi Bank Limited, Birgunj.
40. Bank of Kathmandu Limited, Pokhara.
41. Sudesh Emporium, Chipledhunga, Pokhara
42. NIC Bank Limited, Biratnagar
43. Machhapuchchhre Bank Limited, Jomsom
44. Lumbini Bank Limited, Narayanghad.
45. Nabil Bank Limited, Biratnagar.
46. Nabil Bank Limited, Dharan.
47. Nabil Bank Limited, Butwal.
48. Chipledhunga, Pokhara.