Project Report of Bank of Kathmandu

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: 2009-11-02Shanthosh 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 areresponsible 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 madethis 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 areproviding all facilities to all citizens for their own purposes by their terms. To survive in this modern market every bank implements so many newinnovative 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, Investmentfacility, 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 employmentgenerating 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 resourcesreveals 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)

S.NO Name of BankDate of

Establishment (A.D)

Head Office

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. (NBIL)

1886/02/27 Durbarmarg, Kathmandu

5. Standard Chartered Bank 1987/01/30 New Baneshwor , KTM

6. Himalayan Bank Ltd 1993/01/18 Thamel Kathmandu7. Nepal SBI Bank Ltd. 1993/07/07 Hattisar , KTM8. Nepal Bangladesh Bank Ltd. 1993/06/05 New Baneshwor,

KTM9. Everest Bank Ltd. 1994/10/18 Lazimpat, KTM10. Bank of Kathmandu Ltd 1995/03/12 Kamaladi, KTM11. Nepal Credit & Commercial Bank

Ltd.1996/10/14 Siddarthanagar, KTM

12. Lumbini Bank Ltd. 1998/07/17 Narayangadh, Chitwan

13. Nepal Industrial & Commercial Bank Ltd.

1998/07/21 Biratnagar, Morangq

14. Machhapuchhre Bank Ltd. 2000/10/03 Prithvi Chowk, Pokhara

15. Kumari Bank Ltd. 2001/04/03 Putalisadak, KTM16. Laxmi Bank Ltd. 2002/04/03 Adarshanagar,Birgung17. Siddhartha Bank Ltd. 2002/12/24 Kamaladi, KTM18. Agricultural Development Bank

Ltd.1968/10/19 Ramshahpath, KTM

19. Global Bank Ltd. 2007/01/02 Birjung, Parsa20. Citizens Bank Int’ Ltd. 2007/06/21 Kamaladi, KTM21. Prime Commercial Bank Ltd. 2007/09/24 Newroad, KTM22. Sunrise Bank Ltd. 2007 Garidhara, KTM23. Bank of Asia Ltd. 2007 Tripureshwor, KTM24. DCBL Bank Ltd. 2001/02/01 Kamaladi, KTM25. NMB Bank Ltd. 2008/05 Babarmahal, KTM26. 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.

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

Facilitiesi. Anywhere Branch Banking Services

ii. Extended Banking Hours in Kathmandu Valley Branchesiii. Standing Instruction is accepted looking at the feasibility of the

request.iv. Cash Managementv. 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 Services2. Free stop payment processing3. 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.

Features1. 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.

Facilities1. Anywhere Banking Service.2. Free Cheque book3. Extra hour banking services through evening counters(in

Kathmandu Valley4. Non-restricted transactions for deposits and withdrawals5. 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.

Features1. Either current or saving account to be maintained2. 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.

Facilities1. Standing instruction or specific instruction could be given at the time of account

opening.

Documentation1. 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 minors2. Mero Bachat Yojana for young age group

Features1. 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 1000000000Issue Share Capital 603141300Paid Up Capital 603141300

Share Ownership:

Particulars Percentage (%) Amount (Rs.)Promoters 42% 252170000Public Share Holder 58% 350971300Total 100% 603141300

BOK Branches :

S.No. Branch Address1. Head Office Kamalpokahari, Kathmandu2. Thamel Branch Thamel, Kathmandu3. New Road Branch New Road, Kathmandu4. Butwal Branch Rajmarg Chaurha, Butwal5. Hetauda Branch Mainroad Hetauda, Makawanpur6. Dhangadhi Branch Main road chauraha, Dhangadhi7. Pokhara Branch Newroad, pokhara8. Biratnagar Branch Main Road Biratnagar9. Birjung Branch Adarsha Nagar, Birjung, Parsa10. Amlekhgunj Branch Main Road , Amlekhgunj11. Itahari Branch Paschim Line, Itahari, Sunsari12. Janakpur Branch Station Road, Janakpur13. Kohalpur Branch Dus Bigha-13, Kohalpur, Bake14. Gongabu Branch Samakhushi Chowk, Gongabu, Kathmandu15. Tatopani Branch Tatopani, Sindhupalchok16. Jawalakhel Branch Jawalakhel, Lalitpur17. Surkhet Branch Birendra Chowk, Birendranagar-6 , Surkhet18. Ghorahi Branch Naya Sadak, Ghorahi, Dang19. Tulsiur Branch Ka Line BP Chok, Tulsipur , Dang20. Jumla Branch Chandan Nath VDC 6, Jumla, Karnali21. Balaju Branch Balaju Industrial District (BID) , Balaju22. Attariya Branchq Geta V.D.C. -03, Dhangadhi Road, Attariya23. New Baneshwor Branch New Baneshwor, Kathmandu24. Gyaneshwor Branch Gyaneshwor, Kathmandu

25. Tripureshwor Branch Tripureshwor, Kathmandu26. Chabahil Branch New Baneshwor, Kathmandu27. 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 OfficeBank of Kathmandu Limited, P.O. Box 9044, Kamal Pokhari, Kathmandu, NepalSWIFT: BOKLNPKATelex: 2820 BOK NPTel: (977 1) 4414541Fax: (977 1) 4418990Email: [email protected]

Kamal Pokhari Branch Bank of Kathmandu LimitedKamalpokhari, Kathmandu, Nepal

Tel: (977 1) 4414541Fax: (977 1) 4418990Email: [email protected]  Branch Manager: Girija Malla

Thamel Branch Bank of Kathmandu LimitedThamel, Kathmandu, Nepal

Tel: (977 1) 4701201, 4701202Fax: (977 1) 4410143Branch Manager: Ajupa Shrestha

New Road Branch Bank of Kathmandu LimitedNew Road, Kathmandu, Nepal

Tel: (977 1) 4231556, 4231557Fax: (977 1) 4223279Branch Manager: Thaman B Khatri

Butwal Branch Bank of Kathmandu Limited Rajmarg Chaurha, Butwal, Rupandehi, Nepal 

Tel: (977 71) 541692/5417740Fax: (977 71) 541642Branch Manager:

Hetauda Branch Bank of Kathmandu Limited, Main Road, Hetauda, Makawanpur, Nepal

Tel: (977 57) 521331Fax: (977 57) 523018Branch Manager: Ranjitsore Malla

Nepalgunj Branch Bank of Kathmandu Limited Nepalgunj, Dhamboji, Surkhet Road Banke, Nepal

Tel: (977 81) 523185, 523484

Dhangadhi Branch Bank of Kathmandu Limited Dhangadhi, Main Road Chauraha, Kailali, Nepal

Tel: (977 91) 523386

Fax: (977 81) 523187Branch Manager: Mahesh Mishra

Fax: (977 91) 522853Branch Manager: Surendra Bahadur Shahi

Pokhara Branch Bank of Kathmandu LimitedNewroad, Pokhara, Gandaki, Nepal

Tel: (977 61)539150Fax: (977 61) 539151Branch Manager: Jit Bahadur Saru

Biratnagar Branch Bank of Kathmandu LimitedMain Road, Biratnagar, Koshi, Nepal

Tel: (977 21) 536904, 536905Fax: (977 21) 536906Branch Manager: Sushma Maskey

Birgunj Branch Bank of Kathmandu LimitedAdarsha Nagar, Parsa, Birgunj, Nepal

Tel: (977 51)534025, 534026Fax: (977 51) 534027 Branch Manager:Dipendra Budathoki

Amlekhgunj Branch Bank of Kathmandu LimitedMainroad,Bara, Amlekhgunj, Nepal

Tel: (977 53)570033Fax: (977 56) Branch In-charge: Rudra Raj Ghalan

Itahari Branch Bank of Kathmandu LimitedPaschim Line, Itahari-1,Sunsari, Nepal

Tel: (977 25) 586710, 586711Fax: (977 25) 586712Branch Manager: Anjani Kumar Subedi

Janakpur Branch Bank of Kathmandu LimitedStation Road, Dhanusha, Janakpur, Nepal

Tel: (977 41) 527372Fax: (977 41) 527373 Branch Manager: Naresh Baskota

Kohalpur Branch Bank of Kathmandu LimitedKohalpur, Dus Bigha-13, Banke, Nepal 

Tel: (977 81) 541343 Fax: (977 81) 541344 Branch Incharge: Kalpana Pudasaine

Gongabu Branch Bank of Kathmandu Limited, Gongabu, Samakhusi Chowk, Kathmandu, Nepal 

Tel: (977 1) 4385711, 4385712Fax: (977 1) 4385573 Branch Manager: Surendra Madhikarmi

Tatopani Branch Bank of Kathmandu Limited Liping, Tatopani, Sindhupalchowk, Nepal 

Tel: (977 19) 633026 Fax: (977 19) 633026 Branch Incharge: Pradip Khadka

Jawalakhel Branch Bank of Kathmandu LimitedLalitpur, Nepal

Tel: (977 1) 5524624, 5526228Fax: (977 1) 5523632 Branch Manager: Chiranjivi Bista

Surkhet Branch Bank of Kathmandu Limited Birendra Chowk Birendranagar-6, Surkhet, Nepal 

Tel: (977 83) 523663, 523664 Fax: (977 83) 523665 Branch Incharge: Karna Bahadur Bhandari

Ghorahi Branch Bank of Kathmandu LimitedNaya Sadak, Ghorahi, Dang, Nepal 

Tel: (977 82) 561951, 561952Fax: (977 82) 561953 Branch Manager: Chhabi Kumar Subedi

Tulsipur Branch Bank of Kathmandu LimitedKa Line BP Chowk, Tulsipur, Dang, Nepal

Tel: (977 82) 522691, 522692 Fax: (977 82) 522693 Branch Incharge: Praveen Shah

Jumla Branch Bank of Kathmandu LimitedChandan Nath VDC 6, Jumla, Karnali, Nepal

Tel: (977 87) 520298Fax: (977 87) 520300 Branch Incharge: Bikrant Shahi

Balaju Branch Bank of Kathmandu LimitedBalaju Industrial District (BID), Balaju, Kathmandu, Nepal

Tel: (977 1) 4357713, 4380554Fax: (977 1) 4357284 Branch Manger: Meena Singh

Attariya Branch Bank of Kathmandu LimitedGeta V.D.C.-03, Dhangadhi Road,Attariya, Kailali, Nepal

Tel: (977 91) 550921 Fax: (977 91) 550969 Branch Incharge: Sagar Ojha

New Baneshwor Branch Bank of Kathmandu LimitedNew Baneshwor, Kathmandu, Nepal

Tel: (977 1) 4460699 Branch Manager: Nirmal Acharya

Gyaneshwor Branch Bank of Kathmandu LimitedGyaneshwor, Kathmandu, Nepal

Tel: (977 1) 4411181 Fax: ( 977 1) 4412278Branch Manager: Prajwal Pant

Tripureshwor Branch Bank of Kathmandu Limited, Tripureshwor,Kathmandu, Nepal

Tel: (977 1) 4229271, 4229272 Fax: (977 1) 4229279

Chabahil Branch Bank of Kathmandu LimitedChabahil Chowk, Kathmandu, Nepal

Tel: (977 1) 4499744Fax: (977 1) 4490955

Branch Manager: Ek Raj Rawa Branch Manager: Santosh H. AdhikariBhaktapur BranchBank of Kathmandu Limited Suryabinayak, Bhaktapur, Nepal

Tel: (977 1) 6619334, 6619335Fax: (977 1) 6619336Branch Manager: Kabiraj Khatri

Tikapur Branch Bank of Kathmandu LimitedJamara Pari, Manuwa Road, Tikapur-09,kailali, Nepal

Tel: 091-561181Fax: 091-561182Branch Manager: Yagya M. Pandit

Guleriya Branch Bank of Kathmandu LimitedRadha Krishna Chour, Guleria, Nepal

Tel: 084-421215Fax: 084-421214 Branch Manager: Virat Bikram Verma

Dadeldhura Branch Bank of Kathmandu LimitedTuphandada, Amargadi-05,Dadeldhura, Nepal

Tel: 096-420094Fax: 096-420093Branch Manager: Ashutosh Khadka

Urlabari Branch Bank of Kathmandu LimitedUrlabri-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.