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

Capital

Assets

Management

Earnings

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)

S.NO

Name of Bank

1.

Nepal Bank Ltd

Date of
Establishment
(A.D)
1937/11/15

2.

Rastriya Banijiya Bank

1966/01/23

3.

Nabil Bank Ltd.

1984/07/16

4.

1886/02/27

5.

Nepal Investment Bank Ltd.

(NBIL)
Standard Chartered Bank

6.
7.
8.

Himalayan Bank Ltd

Nepal SBI Bank Ltd.
Nepal Bangladesh Bank Ltd.

1993/01/18
1993/07/07
1993/06/05

9.
10.
11.

Everest Bank Ltd.

Bank of Kathmandu Ltd
Nepal Credit & Commercial Bank
Ltd.
Lumbini Bank Ltd.

1994/10/18
1995/03/12
1996/10/14

Nepal Industrial & Commercial

Bank Ltd.
Machhapuchhre Bank Ltd.

1998/07/21

Kumari Bank Ltd.

Laxmi Bank Ltd.
Siddhartha Bank Ltd.
Agricultural Development Bank
Ltd.
Global Bank Ltd.
Citizens Bank Int Ltd.
Prime Commercial Bank Ltd.
Sunrise Bank Ltd.
Bank of Asia Ltd.
DCBL Bank Ltd.
NMB Bank Ltd.
KIST Bank Ltd.

2001/04/03
2002/04/03
2002/12/24
1968/10/19

Prithvi Chowk,
Pokhara
Putalisadak, KTM
Adarshanagar,Birgung
Kamaladi, KTM
Ramshahpath, KTM

2007/01/02
2007/06/21
2007/09/24
2007
2007
2001/02/01
2008/05
2009/05/07

Birjung, Parsa
Kamaladi, KTM
Newroad, KTM
Garidhara, KTM
Tripureshwor, KTM
Kamaladi, KTM
Babarmahal, KTM
Anamnagar, KTM

12.
13.
14.
15.
16.
17.
18.
19.
20.
21.
22.
23.
24.
25.
26.

Source: www.nrb.org.np

1987/01/30

1998/07/17

2000/10/03

Head Office
Dharmapath,
Kathmandu
Shingadurbar plaza,
Kathmandu
Shingadurbar plaza,
Kathmandu
Durbarmarg,
Kathmandu
New Baneshwor ,
KTM
Thamel Kathmandu
Hattisar , KTM
New Baneshwor,
KTM
Lazimpat, KTM
Kamaladi, KTM
Siddarthanagar, KTM
Narayangadh,
Chitwan
Biratnagar, Morangq

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. Heres 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.
II.
III.

One master account (i.e. Savings or Current) is

required to be maintained with the bank.
Interest will be given at maturity.
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 shortterm 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 shortterm 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

Maximum Finance: 70% of the eligible expenses.

Processing Fee: 1%
Payment Fees:
0.5% p.a if prepaid within one year
1% flat if prepaid after one year
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 Majestys 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
Travelers Cheque
Remittance
Debit Card / ATMS
Salary Management
Cash Management
Gift Cheque
Safe Deposit Locker
Gift Cheque
Safe Deposit Locker
NRN Banking
BOK Visa Credit Card

Capital Structure:

Particulars
Authorized Share Capital
Issue Share Capital
Paid Up Capital

Amount (Rs.)
1000000000
603141300
603141300

Share Ownership:
Particulars
Promoters
Public Share Holder
Total

Percentage (%)
42%
58%
100%

Amount (Rs.)
252170000
350971300
603141300

BOK Branches :

S.No.
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.
16.
17.
18.
19.
20.
21.
22.
23.
24.
25.

Branch
Head Office
Thamel Branch
New Road Branch
Butwal Branch
Hetauda Branch
Dhangadhi Branch
Pokhara Branch
Biratnagar Branch
Birjung Branch
Amlekhgunj Branch
Itahari Branch
Janakpur Branch
Kohalpur Branch
Gongabu Branch
Tatopani Branch
Jawalakhel Branch
Surkhet Branch
Ghorahi Branch
Tulsiur Branch
Jumla Branch
Balaju Branch
Attariya Branchq
New Baneshwor Branch
Gyaneshwor Branch
Tripureshwor Branch

Address
Kamalpokahari, Kathmandu
Thamel, Kathmandu
New Road, Kathmandu
Rajmarg Chaurha, Butwal
Mainroad Hetauda, Makawanpur
Main road chauraha, Dhangadhi
Newroad, pokhara
Main Road Biratnagar
Adarsha Nagar, Birjung, Parsa
Main Road , Amlekhgunj
Paschim Line, Itahari, Sunsari
Station Road, Janakpur
Dus Bigha-13, Kohalpur, Bake
Samakhushi Chowk, Gongabu, Kathmandu
Tatopani, Sindhupalchok
Jawalakhel, Lalitpur
Birendra Chowk, Birendranagar-6 , Surkhet
Naya Sadak, Ghorahi, Dang
Ka Line BP Chok, Tulsipur , Dang
Chandan Nath VDC 6, Jumla, Karnali
Balaju Industrial District (BID) , Balaju
Geta V.D.C. -03, Dhangadhi Road, Attariya
New Baneshwor, Kathmandu
Gyaneshwor, Kathmandu
Tripureshwor, Kathmandu

26.
27.

Chabahil Branch
Bhaktapur Branch

New Baneshwor, Kathmandu

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; Childrens
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-ASchool 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 womens 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

Pokhari, Kathmandu, Nepal
SWIFT: BOKLNPKA
Telex: 2820 BOK NP
Tel: (977 1) 4414541
Fax: (977 1) 4418990
Email: info@bok.com.np

Bank of Kathmandu Limited

Kamalpokhari, Kathmandu, Nepal

Thamel Branch

New Road Branch

Bank of Kathmandu Limited

Thamel, Kathmandu, Nepal

Bank of Kathmandu Limited

New Road, Kathmandu, Nepal

Tel: (977 1) 4701201, 4701202

Fax: (977 1) 4410143
Branch Manager: Ajupa Shrestha

Tel: (977 1) 4231556, 4231557

Fax: (977 1) 4223279
Branch Manager: Thaman B Khatri

Butwal Branch

Hetauda Branch

Bank of Kathmandu Limited

Rajmarg Chaurha, Butwal, Rupandehi, Nepal

Bank of Kathmandu Limited,

Main Road, Hetauda, Makawanpur, Nepal

Tel: (977 71) 541692/5417740

Fax: (977 71) 541642
Branch Manager:

Tel: (977 57) 521331

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

Nepalgunj Branch

Dhangadhi Branch

Bank of Kathmandu Limited

Bank of Kathmandu Limited

Tel: (977 1) 4414541

Fax: (977 1) 4418990
Email: info@bok.com.np
Branch Manager: Girija Malla

Nepalgunj, Dhamboji, Surkhet Road

Banke, Nepal

Dhangadhi, Main Road Chauraha,

Kailali, Nepal

Tel: (977 81) 523185, 523484

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

Tel: (977 91) 523386

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

Pokhara Branch

Biratnagar Branch

Bank of Kathmandu Limited

Newroad, Pokhara, Gandaki, Nepal

Bank of Kathmandu Limited

Main Road, Biratnagar, Koshi, Nepal

Tel: (977 61)539150

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

Tel: (977 21) 536904, 536905

Fax: (977 21) 536906
Branch Manager: Sushma Maskey

Birgunj Branch

Amlekhgunj Branch

Bank of Kathmandu Limited

Adarsha Nagar, Parsa, Birgunj, Nepal

Bank of Kathmandu Limited

Mainroad,Bara, Amlekhgunj, Nepal

Tel: (977 51)534025, 534026

Fax: (977 51) 534027
Branch Manager:Dipendra Budathoki

Tel: (977 53)570033

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

Itahari Branch

Janakpur Branch

Bank of Kathmandu Limited

Paschim Line, Itahari-1,Sunsari, Nepal

Bank of Kathmandu Limited

Station Road, Dhanusha, Janakpur, Nepal

Tel: (977 25) 586710, 586711

Fax: (977 25) 586712
Branch Manager: Anjani Kumar Subedi

Tel: (977 41) 527372

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

Kohalpur Branch

Gongabu Branch

Bank of Kathmandu Limited

Kohalpur, Dus Bigha-13, Banke, Nepal

Bank of Kathmandu Limited, Gongabu,

Samakhusi Chowk, Kathmandu, Nepal

Tel: (977 81) 541343

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

Tel: (977 1) 4385711, 4385712

Fax: (977 1) 4385573
Branch Manager: Surendra Madhikarmi

Tatopani Branch

Jawalakhel Branch

Bank of Kathmandu Limited

Liping, Tatopani, Sindhupalchowk, Nepal

Bank of Kathmandu Limited

Lalitpur, Nepal

Tel: (977 19) 633026

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

Tel: (977 1) 5524624, 5526228

Fax: (977 1) 5523632
Branch Manager: Chiranjivi Bista
Ghorahi Branch
Bank of Kathmandu Limited
Naya Sadak, Ghorahi, Dang, Nepal

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

Tulsipur Branch
Bank of Kathmandu Limited
Ka Line BP Chowk, Tulsipur, Dang, Nepal
Tel: (977 82) 522691, 522692
Fax: (977 82) 522693
Branch Incharge: Praveen Shah
Balaju Branch
Bank of Kathmandu Limited
Balaju Industrial District (BID), Balaju, Kathmandu, Nepal
Tel: (977 1) 4357713, 4380554
Fax: (977 1) 4357284
Branch Manger: Meena Singh
New Baneshwor Branch
Bank of Kathmandu Limited
New Baneshwor, Kathmandu, Nepal
Tel: (977 1) 4460699
Branch Manager: Nirmal Acharya
Tripureshwor Branch
Bank of Kathmandu Limited, Tripureshwor,Kathmandu,

Tel: (977 82) 561951, 561952

Fax: (977 82) 561953
Branch Manager: Chhabi Kumar Subedi
Jumla Branch
Bank of Kathmandu Limited
Chandan Nath VDC 6, Jumla, Karnali, Nepal
Tel: (977 87) 520298
Fax: (977 87) 520300
Branch Incharge: Bikrant Shahi
Attariya Branch
Bank of Kathmandu Limited
Geta V.D.C.-03, Dhangadhi Road,
Attariya, Kailali, Nepal
Tel: (977 91) 550921
Fax: (977 91) 550969
Branch Incharge: Sagar Ojha
Gyaneshwor Branch
Bank of Kathmandu Limited
Gyaneshwor, Kathmandu, Nepal
Tel: (977 1) 4411181
Fax: ( 977 1) 4412278
Branch Manager: Prajwal Pant
Chabahil Branch
Bank of Kathmandu Limited

Nepal

Chabahil Chowk, Kathmandu, Nepal

Tel: (977 1) 4229271, 4229272

Fax: (977 1) 4229279
Branch Manager: Ek Raj Rawa
Bhaktapur Branch
Bank of Kathmandu Limited
Suryabinayak, Bhaktapur, Nepal

Tel: (977 1) 4499744

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

Tel: (977 1) 6619334, 6619335

Fax: (977 1) 6619336
Branch Manager: Kabiraj Khatri
Guleriya Branch
Bank of Kathmandu Limited
Radha Krishna Chour, Guleria, Nepal

Tel: 091-561181
Fax: 091-561182
Branch Manager: Yagya M. Pandit
Dadeldhura Branch
Bank of Kathmandu Limited
Tuphandada, Amargadi-05,
Dadeldhura, Nepal

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

Tel: 096-420094
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 Caf, 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.