Professional Sports - Free Agency is Causing the Slow Death of Baseball

Free Agency is Causing the Slow Death of Baseball What ever happened to the old days? This is a comment that my daddy and Grandpa are always saying when it comes to major league baseball game in this era. Like clockwork, at the beginning of every baseball season my pa says, Every year my team has all new faces. How am I supposed to root for this team if I dont even know who is playing for them. Now, more than ever, this comment is true. It is true because of free agency in baseball. Free agency is recording the fabric of the baseball blanket in America. This is the said(prenominal) blanket that many of us dramas fans have grown up with and have drawn accustomed too. Baseball is our national pastime. If something is not done to change free agency in baseball it may not remain our national heritage in the future. Baseball is the sport that every kid growing up has a dream to play. These same kids also look at major league baseball players as their role models. If free agency ru ns the same course that it has been running it allow for destroy baseball. If nothing is done to change free agency all that we, as baseball fans, will remember baseball as is a pastime. According to work Reilly, a freelance writer for sports magazines, free agency (which he broadly defines as an athletes ability to offer his services on the open market to the highest bidder,) is a threat to baseball (108). However, free agency does have a few restrictions that do not allow just any player to file for it. A player with zero to three years of experience must negotiate his salary with club management a player with more than three still less than six full years in the majors has an option of submitting a salary dispute to an independent arbitrator and a player with si... ...blanket that fans of the sport have become attached to like a security blanket. What free agency is doing to baseball should not be tolerated by us, the fans. It should not even be tolerated by anyone associate d with the sport. Free agency it could end up destroying the future thoughts and dreams of baseball fans yet to come. If something is not done to free agency in baseball, which is considered our national pastime, will not be considered that by future generations to come. Works Cited Gelin, Dana. Fish Tale. Sports Illustrate Commemorative Issue 1997 28- 30. Kurkjian, Tim. Blueprint For Success. Sports Illustrated Commemorative Issue 1997 16-19. Reilly, Rick. Fishing For Marlin Fans. Sports Illustrated March 9, 1998 108 Worsnop, Richard L. master Sports Big Challenge. Editorial Research Reports 9 Feb. 1990, Vol. 1, No. 6, pp. 82-94

Thomas Hardys Tess Of The Durbervilles Essay -- Thomas Hardy Tess Dur

Thomas Hardys Tess Of The DurbervillesIn this essay I will contrast and explain the description of FlintcombAsh and Tolbothays Dairy. These both places are very strategic, becauseeach place shows an important time in Tess heart. Hardy usesTolbothays Dairy to represent the love and happiness she found and thechance for a new beginning after what happened with Alec. Alec rapedher, he saw her as an object of desire. He took away her innocence.This was replaced with the burden of a child that dies. At this time,having a child out of wedlock was a form of public shame. Incomparison, Flintcomb ash is where she was unhappy and shows us theaudience a time of hard ship. Tess goes to Tolbothays because shecannot cheek any one in her own town, this is because Alec raped her.Then her baby dies her mother might have been partly to blame for therape because she dressed her as an object of desire, because of allthis happening Tess leaves and goes to Tolbothays Dairy there shehopes to start over again. Flintcomb Ash is a farm, She is forced tofind work as a leave behind of her husband (Angle) leaving her and going toBrazil.When Tess arrives at Talbothays she is feeling that there is greatoptimism and hope for the future. She has now recovered from herrecent tragic experiences and feels stronger and healed. Her hopesmingled with the Sunshine. This shows that she is happy and thecolour yellowish from the sun represents this. Hardy uses patheticfallacy to represent the season and the greatness of the place in thenarrate. It shows images of fertilely, a new start and a new life forTess, this is a happy time for Tess. When Tess is at Tolbothays it isin the month of May, thyme scented bird hatching mor... ...lecsappearance at the farm to represent this as she was overly at a lowpoint on her first meeting with Alec.In conclusion, Hardy has made these two different place (Talbothaysand Flintcomb - Ash) very important parts in his novel becausetogether with the use of colour, s imiles, metaphors, personification,pathetic fallacy and Hardys good use of description, it helps us tocreate two different parts in Tess life. One of which was full oflove with Angle, happiness and sunny days spent at Talbothays. But intotal opposite to this she also spent an evenly important part of herlife at Flintcomb - Ash. Where she felt nothing but pain and sufferingin the long cold hard months she spent there, to succumb an image of herbreak up with Angel and the thought that she may be left with a futureof suffering compared with what she could have had at Talbothays.

Mexico Essay -- Mexican Economy, Politics

Mexico is a country that has long been thought of as being an deprive nation, with umpteen more plenty who are among the poor that those who can be reasonably be considered to be wealthy. In recent years the Mexican people have had a dramatic change in their demographic outlook, with the largest change being in the fertility rate having dropped from 6.5 in the early 70s to its current rate of 2.2 easily the fastest rate of decline in the world today. With the importance of family to the Mexican people it is hard to imagine that these new order will be sustainable in the future and will have dramatic negative implications for the economies of both Mexico and the United States as the population ages without replacement workers (McGoldrick, Giordano & Garcia-Preto, 2005 Sedano, 2008). The Mexican people are a people who find their roots amongst the Mayan, Aztecan and other Native American people. They also often share an ancestry with the European Spanish who conquered and settled much of what is today Mexico and the American Southwest. Their common language is Spanish and the majority of Mexican people follow the Catholic religion, which interestingly has changed in many ways to include many of the traditions and symbols of the other more ancient religions that were practiced before the Spanish conquest and the forced conversion of the natives. There still runs a deep attachment to folk medicine to cure ailments that are most likely caused by stress or other psychological means much(prenominal) as fright, the evil eye and even indigestion (McGoldrick, et. al., 2005).The family in Mexico is predominantly patriarchal in nature there is also a great lease of respect that is due the mothers of the family. Family types range from nuclea... ...e more educated parents (McCabe, 2002).It was discovered that such factors as income, perceptions of stigma, expectations of therapist directness, therapist-client match and even acculturation had no significant feat of the dropout rates. The greatest predictors were instead, parental belief in strict discipline in reaction to behavioral and emotional problems along with the perception of barriers to getting treatment (McCabe, 2002). plot of land it is seen that acculturation may increase the ability of the client to seek assistance and that the acculturation of the parents may help them better understand the role of therapy in fate with behavioral and emotional problems will help more adolescents with these problems seek help it does was shown that improving the parents expectations and attitudes towards therapy may have beeter retention outcomes (McCabe, 2002).

The Advantage of School Uniforms Essay -- Arguement Argumentative Pers

Did you know that as many as twenty-five percent of the nation?s pubic elementary, middle, and junior high schools have successfully implemented a school uniform policy? (Isaacson, 1998) School uniforms greatly benefit both the students and skill by creating an atmosphere in which the students are able to get the most out of their education. I believe that all students should wear school uniforms regardless of whether or not the school is public. Below are clear-cut arguments in favor of school uniforms. First, one of the chief benefits of school uniforms is their ability to make schools safer. Studies have shown that they ease to reduce gang influences. (Isaacson, 1998) Many gang members wear particular types of colors and clothes to signify their membership to a certain gang. With every student draining the same articles of clothing, gang members will not be able to establish a rivalry within the school. Uniforms also minimize violence by minify some sources of conflict. A Long Beach Superintendent stated the first year that the uniforms had been implemented into his school, crimes decreased by thirty-six percent, school violence by fifty-one percent, and vandalism to the school dropped eighteen percent. (US Dept. of Ed., 1996) Uniforms will also make it easier for trespassers to be identified. (Ryan & Cooper, 2000) These trespassers will stick out like a soar flip out because they will not have on a uniform like everyone else. Identifying and properly escorting the...

Essay --

Topic Thalassemia disorderThalassemia is an inherited co-dominant race disease. It is characterized by reduced synthesis of the hemoglobin and less red inception in children affected by this disorder. Hemoglobin is the means through which red blood cells carry oxygen in our soundbox. We require two forms of globin genes to make important globin chains in our body, atomic number 53 from each globin gene. If one or two of these genes be defective, it produces beta thalassemia which is the less severe form of this disease. This disorder is a very common genetic disorder go about millions of people worldwide. People with mild Thalassemia usually do not need treatment. On the contrary, people who are severely affected will need unvarying blood transfusion. This form of the disease is common among people in the Mediterranean. This form can also be seen in North America and separate of Asia. This disorder is caused by changes in the DNA of cells that make hemoglobin, the substanc e in human red blood cells that carries oxygen throughout your entire body. This disease is a inheritance disorder passed from parents to children. When parents have low count of hemoglobin and high could of red blood cell it is then transferred to their new born child.There are various types of this disorder. It depends on gene factor relating to the childs parents. The more altered genes, the more severe your condition. Hemoglobin particles are made of alpha and beta parts that can be affected by mutations. There are three major forms of this disorder that are categorized based on the ghastliness of symptoms. They are minor, intermediate and major. Children with the minor or trait of the disorder do not experience any symptoms and may not require treatment. Children with the intermediate f... ... spleen. When the long-suffering spleen cell is removed, their bodies become susceptible to bacterial infections. Some patients with this disorder also experience bone deformities wher e the bone of the face and other parts of the body are affected.Treatment option for the disorder includes blood transfusion, which is done to replace the affected hemoglobin, Excess iron removal from the blood stream by administering folic battery-acid to the patient, bone mirror transplant and sometime a surgery may be requiredIn a research conducted by the American academy of Family Physicians, patients with this disorder trait have a normal life expectancy provided to live a health live style health eating regular exercises. However, those with the more severe form of the disease (beta thalassemia major), on average live 17 years and generally die before their thirtieth birthday.Dabah Bono

Essay --

Topic Thalassemia disorderThalassemia is an inherited co-dominant blood disease. It is characterized by crimsonuced synthesis of the hemoglobin and less red blood in children affect by this disorder. Hemoglobin is the means through which red blood cells carry oxygen in our body. We lead two establishs of globin genes to make of import globin chains in our body, one from each globin gene. If one or two of these genes are defective, it produces beta thalassemia which is the less severe earn of this disease. This disorder is a very common genetic disorder facing millions of people worldwide. People with mild Thalassemia usually do not need treatment. On the contrary, people who are severely affected will need regular blood transfusion. This form of the disease is common among people in the Mediterranean. This form can alike be seen in North America and parts of Asia. This disorder is caused by changes in the DNA of cells that make hemoglobin, the substance in tender-hearted re d blood cells that carries oxygen throughout your entire body. This disease is a inheritance disorder passed from parents to children. When parents have low count of hemoglobin and high could of red blood cell it is then transferred to their new born child.There are various types of this disorder. It depends on gene factor relating to the childs parents. The more change genes, the more severe your condition. Hemoglobin particles are made of alpha and beta parts that can be affected by mutations. There are cardinal major forms of this disorder that are categorized based on the severity of symptoms. They are minor, intermediate and major. Children with the minor or trait of the disorder do not experience any symptoms and may not require treatment. Children with the intermediate f... ... spleen. When the patient spleen cell is removed, their bodies become susceptible to bacterial infections. Some patients with this disorder also experience bone deformities where the bone of the fac e and other parts of the body are affected.Treatment option for the disorder includes blood transfusion, which is done to replace the affected hemoglobin, Excess iron removal from the blood stream by administering folic acid to the patient, bone mirror transplant and sometime a surgery may be requiredIn a research conducted by the American Academy of Family Physicians, patients with this disorder trait have a normal life expectancy provided to merry a health live on style health eating regular exercises. However, those with the more severe form of the disease (beta thalassemia major), on average live 17 years and generally die before their thirtieth birthday.Dabah Bono

Rastra Bank

pay back/ book of facts of mercantile believes (2001 2012) 1000 900 800 700 600 500 400 300 200 100 0 2001 2002 2003 2004 2005 2006 2007 impute Rs. in billion 2008 2009 2010 2011 2012 Deposit BANKING AND FINANCIAL STATISTICS MID JULY, 2012 NO. 58 NEPAL RASTRA BANK BANK & FINANCIAL INSTITUTION REGULATION DEPARTMENT STATISTICS DIVISIONCONTENTS explanatory no(prenominal)es Highlights on Performance of buzzwords and Non- affirm pecuniary Institutions List of evades Class A mercantile borders 1 financial System at a Glance 2 Major Indicators of moneymaking(prenominal) lodge 3 rumor of Assets & Liabilities of commercialised Bank (Aggregate) 4 Some Ratios of Commercial Banks 5 capital of the United States investment trust to Risk Weighted Assets of Commercial Banks 6 Non Performing contribute Status of Commercial Banks 7 account of Assets & Liabilities of Nepal Bank Ltd. 8 tale of Assets & Liabilities of Rastriya Banijya Bank 9 description of Assets & Liabilities of NAB IL Bank Ltd. 0 arguing of Assets & Liabilities of Nepal Investment Bank Ltd. 11 mastery of Assets & Liabilities of Standard Chartered Bank Nepal Ltd. 12 Statement of Assets & Liabilities of Himalayan Bank Ltd. 13 Statement of Assets & Liabilities of Nepal SBI Bank Ltd. 14 Statement of Assets & Liabilities of Nepal Bangladesh Bank Ltd. 15 Statement of Assets & Liabilities of Everest Bank Ltd. 16 Statement of Assets & Liabilities of Bank of Kathmandu Ltd. 17 Statement of Assets & Liabilities of Nepal character reference & Commercial Bank Ltd. 19 Statement of Assets & Liabilities of Nepal industrial & Commercial Bank Ltd. 8 Statement of Assets & Liabilities of Lumbini Bank Ltd. 20 Statement of Assets & Liabilities of Machhapuchhre Bank Ltd. 21 Statement of Assets & Liabilities of Kumari Bank Ltd. 22 Statement of Assets & Liabilities of Laxmi Bank Ltd. 23 Statement of Assets & Liabilities of Siddhartha Bank Ltd. 24 Statement of Assets & Liabilities of Agricultural out developing Ban k Ltd. 25 Statement of Assets & Liabilities of Global Bank Ltd. 26 Statement of Assets & Liabilities of Citizens Bank Inter discipline Ltd. 27 Statement of Assets & Liabilities of quality Commercial Bank Ltd. 29 Statement of Assets & Liabilities of Bank of Asia Nepal Ltd. 8 Statement of Assets & Liabilities of Sunrise Bank Ltd. 30 Statement of Assets & Liabilities of information Credit Bank Ltd. 31 Statement of Assets & Liabilities of NMB Bank Ltd. 32 Statement of Assets & Liabilities of Kist Bank Ltd. 33 Statement of Assets & Liabilities of Janata Bank Nepal Ltd. 34 Statement of Assets & Liabilities of Mega Bank Nepal Ltd. 35 Statement of Assets & Liabilities of Commerz and depose Bank Nepal Ltd. 36 Statement of Assets & Liabilities of Civil Bank Ltd. 37 Statement of Assets & Liabilities of Century Commercial Bank Ltd. 38 Statement of Assets & Liabilities of Sanima Bank Ltd. 9 Profit & expiry Account of Commercial Banks 40 Sector new Loan and Advances of Commercial Banks 41 Pr oduct wise Loan and Advances of Commercial Banks 42 Deprived Sector Loan Statement of Commercial Banks 43 List of Class A Licensed Financial Institutions (Commercial Banks) 44 Branches of Commercial Banks Class B increase Banks 45 Statement of Assets & Liabilities of Development Bank (Aggregate) 46 Statement of Assets & Liabilities of Development Banks 47 Sector wise Outstanding Credits of Development Banks 48 Non Performing Loan Status of Development Banks 49 List of Class B Licensed Financial Institutions (Development Banks) Class C finance Companies 50Statement of Assets & Liabilities of pay Companies (Aggregate) 51 Statement of Assets & Liabilities of finance Companies 52 Sector wise Outstanding Credits of finance Companies 53 NPL Status of finance Companies 54 List of Class C Licensed Financial Institutions (Finance Companies) Class D Rural Development Banks, Micro Credit Development Banks 55 Statement of Assets & Liabilities of MFDB & RDB (Aggregate) 56 Statement of Asset s & Liabilities of MFDB & RDB Page No. 1 2 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 54 55 56 57 58 63 65 66 70 71 75 77 78 79 80 Explanatory Notes 1. This issue of Banking and Financial Statistics, middle-July 2012, Issue No. 58 contains statistical information of NRB licensed Banks and Non-bank Financial Institutions. 2. This bulletin consists of 56 tables and a brief explanation on performance of NRB licensed banks and fiscal institutions. 3.The figures print in this bulletin be based on the actual monthly and quarterly returns of the banks and non-bank financial institutions. 4. Efforts have been made to present true data for mid-July 2012. 5. snowy space in the heading and sub heading indicates the not availability of data or nil in transaction. 6. Because of subsequent revisions, differences with foregoingly published figures be at times unavoidable. 7. The get alongs in the tables may not exactly tally with the sum of the constituent items due to rounding of the figures. 8. The following months of the Gregorian Calendar class are the approximate equivalent of the months of the Nepalese Calendar YearGregorian Month middle-Apr/ middle-May Mid-May/Mid-June Mid-June/Mid-July Mid-July/Mid-Aug Mid-Aug /Mid-Sept Mid-Sept/Mid-Oct Mid-Oct/Mid-Nov Mid-Nov/Mid-Dec Mid-Dec/Mid-Jan Mid-Jan/Mid-Feb Mid-Feb/Mid-Mar Mid-Mar/Mid-Apr Nepalese Month Baisakh Jeth Asar Saun Bhadau Asoj Kattik Mangsir Pus Magh Fagun Chait 9. It is expected that this publication will be of immense use to the researchers and all concerned people in the field of banking, management, economics and statistics. 1 Highlights on Performance of Banks and Non-Bank Financial Institutions Financial Sector at a Glance 1. The history of financial trunk of Nepal was begun in 1937 with the establishment of the Nepal Bank Ltd. as the first moneymaking(prenominal) bank of Nepal with the joint ownership of presidency and general public.Nepal Rastra Bank was established after 19 years since the establishment of the first commercial bank. A decade after the establishment of NRB, Rastriya Banijya Bank, a commercial bank under the ownership of regime Nepal was established. 2. In the context of banking development, the 1980s saw a major structural change in financial welkin policies, regulations and institutional developments. Government emphasized the role of the private sector for the investment in the financial sector. With the adoption of the financial sector liberalization by the administration in 80s opened the door for foreign Banks to open Joint venture Banks in Nepal. As a result, various banking and non-banking financial institutions have come into existence.Nabil Bank moderate, the first foreign joint venture bank of Nepal, started operations in July 1984. During two decades, Nepal witnessed tremendous increment in number of financial institutions. Nepalese banking system has now a wid e geographic reach and institutional diversification. Consequently, by the end of mid July 2012, altogether 265 banks and non- bank financial institutions licensed by NRB are in operation. Out of them, 32 are A class commercial banks, 88 B class development banks, 69 C class pay companies, 24 D class micro-credit development banks, 16 saving and credit co-operatives and 36 NGOs. In mid- July 2011, the commercial banks branches reached to 1425 with the population of nineteen thousand per branch.Present development of financial institutions in Nepal is reflected in table below. Growth of Financial Institutions 3. Types of Financial Institutions Commercial Banks Development Banks Finance Companies Micro- pay Development Banks Saving & Credit 6 19 20 1985 3 2 1990 5 2 1995 10 3 21 4 2000 13 7 45 7 2005 17 26 60 11 Mid July 2006 18 28 70 11 2007 20 38 74 12 2008 25 58 78 12 2009 26 63 77 15 2010 27 79 79 18 2011 31 87 79 21 2012 32 88 69 24 Co-operatives Limited Activities) NGOs (Fina ncial 7 5 7 44 98 47 181 47 193 47 208 46 235 45 242 45 263 38 272 36 265 Banking 19 17 16 16 15 16 16 Intermediaries) aggregate 2 4. As of Mid July 2012, Commercial Bank group occupied 77. pct of good assets/liabilities followed by Development Banks 12. 4 pct, Finance Companies 8. 2 part and Micro-finance Development Bank 2. 2 share. In Mid July 2011, the respective partake ins were 75. 3, 12. 0, 10. 9 and 1. 8 pct individually as presented in knock back 1. paradigm 1 marrow Assets/Liabilities Structure Finance Companies 8. 2% MFDB & RDB 2. 2% Dev. Banks 12. 4% Commercial Banks 77. 3% 5. The composition of the total liabilities shows as usual, put forward held dominant share of 78. 0 share followed by other Liabilities 11. 0 part cracking fund by 8. 5 share and borrowings by 2. 5 per centum respectively in Mid July 2012.Likewise in the assets side, loan and advances accounted the largest share of 58. 5 partage followed by investments 15. 2 percent, liquid fund 17. 5 percent and others 8. 8 percent in the alike period as shown in figure below. Figure 2 Compositions of Assets/Liabilities of Financial System as on Mid-July, 2012 Assets Composition of Financial System Liquid bloods 17. 5% Liabilities composition of Financial System Borrowings 2. 5% Others 8. 8% Others 11. 0% Inves tmen t 15. 2% Figure 2 (a) Loa ns & Advances 58. 5% Ca pital lineage 8. 5% Deposit 78. 0% Figure 2 (b) 6. Commercial Banks held dominant share on the major balance sheet components of financial system.Of the total makes Rs. 1076,629 trillion in Mid July 2012, the commercial banks occupied 80. 6 percent. Similarly, development banks held 11. 8 percent, finance companies 7. 1 percent and micro finance development banks 0. 5 percent. Likewise, on the loans and advances the share of commercial banks stood 3 at 77. 1 percent, development banks 12. 5 percent, finance companies 8. 3 percent and micro finance development banks 2. 2 percent in Mid July 2012. In the sa me year the share of commercial banks in the borrowings, liquid funds and investments constitute 45. 1 percent, 66. 9 percent and 86. 3 percent respectively as reflected in fudge 1. 7.The pileus fund, one of the components of liabilities, witnessed increment of 11. 4 percent and reached to Rs. 117,980 cardinal in Mid July 2012 from Rs. 105,816 billion in mid July 2011. The borrowings lessen significantly by 26. 9 percent while ready and other liabilities change magnitude by 23. 2 percent, 16. 7 percent respectively compared to Mid July 2011. Similarly loans and advances, the major component of assets increased by 12. 3 percent and reached to Rs. 807,579 billion in Mid July 2012 from Rs. 718,674 million in mid July 2011. Likewise investment increased by 28. 9 percent while liquid fund witnessed significant growth of 59. 9 percent in Mid July 2012 compared to the previous period as shown in card 1.Growth of Major Balance-Sheet Indicators (%) Mid- July Particulars 2001 Capital memory 26. 56 2002 43. 97 2003 26. 56 2004 -107. 36 2005 -516. 43 2006 17. 90 2007 192. 50 2008 273. 5 2009 104. 36 2010 46. 66 2011 36. 9 2012 11. 4 Borrowings Deposits Liquid funds Investment 21. 95 16. 20 40. 59 3. 96 -5. 90 43. 36 11. 51 -20. 59 31. 00 12. 46 13. 12 22. 08 8. 64 23. 77 9. 81 -14. 32 18. 95 34. 61 15. 42 4. 23 33. 76 22. 32 19. 28 21. 66 14. 53 17. 55 30. 10 68. 64 18. 11 12. 73 32. 55 45. 18 17. 46 7. 51 16. 83 7. 34 4. 53 23. 8 10. 8 -0. 8 10. 2 -26. 9 23. 2 59. 9 28. 9 Loans & Advances 15. 94 19. 54 11. 35 11. 67 13. 38 10. 22 26. 55 34. 27 30. 70 21. 32 15. 8 12. 3 Commercial Banks 8.The number of commercial bank branches operating in the country increased to 1425 in Mid July 2012 from 1245 in mid July 2011. Among the total bank branches, 49. 7 percent bank branches are concentrated in the primordial region followed by Western 17. 9 percent, Eastern 17. 8 Mid Western 8. 4 percent and Far Western 5. 9 percent respectively as presented in Table 44. 9. The total assets of commercial banks increased by 21. 5 percent compared to increment of 11. 6 percent in the previous year. By the end of this fiscal year, the total assets of commercial banking sector reached to Rs. 1067,096 million from Rs 878,364 million in the last period as shown in Table 3. 10.The share of loans and advances to total assets remained 58. 3 percent in Mid July 2012. Similarly, share of investment and liquid funds to total assets registered 17. 0 percent and 15. 2 percent respectively as represented in Table 3. 4 11. The composition of liabilities of commercial banks shows that, the stick by has occupied the dominant share of 81. 3 percent followed by others 10. 0 percent capital fund 7. 2 percent and Borrowings 1. 5 percent in the Mid July 2012 as reflected in Table 3. Figure 3 Compositions of Assets/Liabilities of Commercial Banks as on Mid- July 2012 Assets Composition of Commercial Banks Liquid Funds 15. 2% Others 10. 0% Liabilities Composition of Comm ercial BanksCapital fund 7. 2% Borrowings 1. 5% Investments 17. 0% Other Assets 9. 5% Figure 3 (a) Loan & Advances 58. 3% Deposit 81. 3% Figure 3 (b) 12. In the Mid July 2012, the loans and advances increased by 17. 9 percent compare to 12. 4 percent in Mid July 2011. By the end of Mid July 2012, the total large(p) amount of loans and advances including Bills Purchase and Loan against Collected Bills of commercial banks reached to Rs. 622,575 million. It was Rs. 528,023 million in Mid July 2011 as shown in Table 3. 13. The total investment including share & other investment of commercial banks in Mid July 2012 increased by 21. 2 percent and reached to Rs. 81,273 million from Rs. 149,557 million in Mid July 2012. Similarly liquid fund increased significantly by 65. 0 percent and amounted to Rs. 161,785 million in Mid July 2012 as shown in Table 3. 14. In the Mid July 2012, total deposit of commercial bank increased by 26. 2 percent compare to 9. 0 percent growth in the Mid Ju ly 2011. As of Mid July 2012, it reached to Rs. 867,978 million from Rs 687,588 million in the Mid July 2011. Among the component of deposit, current deposit increased by 18. 1 percent compared to 2 percent of decrement in last year. Similarly, saving & stock-still deposit increased by 31. 8 percent and 17. 8 percent as shown in Table 3. 15.The Saving deposit stages the major share in total deposit followed by fixed deposit, phone call deposit and current deposit. As of Mid July 2012, the proportion of saving, fixed and calls & current deposits are 35. 1 percent, 34. 4 percent, 18. 6 and 10. 7 percent respectively as reflected in Table 3. Figure 4 Deposit Composition of Commercial Banks roar 18. 6% Others 1. 1% up-to-the-minute 10. 7% Savings 35. 1% Fixed 34. 4% 5 16. In the Mid July 2012, the borrowing decreased by 37. 6 percent compared to increment of 25. 6 percent in the previous year. By the end of Mid July 2012, it reached to Rs. 15, 507 million from Rs. 24,853 milli on in the Mid July 2011 as reflected in Table 3. 17.Capital fund of commercial banks increased by 30. 6 percent compared to previous year and reached to Rs. 77,143 million in Mid July 2012. It was Rs. 59,064 million in Mid July 2011 as presented in Table 3. 18. Out of the Rs. 622,575 million outstanding sector wise credits in Mid July 2012, the largest proportion of the loans and advances is occupied by manufacturing sector. The share of this sector is 23. 1 percent followed by wholesale & retailers 20. 5 percent, other sector 11. 1 percent, finance, insurance & real estate by 10. 0 percent and construction 9. 8 percent. Similarly, transportation, communication & public services comprise 4. 0 percent, consumable loan by 6. percent, other service industries by 4. 9 percent and agriculture by 3. 7 percent in the same period as represented in Table 40. 19. The outstanding of deprived sector credit of commercial banks in the Mid July 2012 by the end of Mid July reached to Rs. 24,1 50 million as presented in Table 42. The ratio of deprived sector credit to total outstanding of product wise loans and advances stood at 3. 8 percent in the current period. Last year it was 3. 6 percent. 20. In Mid July 2012, the credit to deposit ratio of the commercial banks reached to 71. 7 percent compared to 76. 8 percent in Mid July 2010 as presented in Table 3. Figure 5 21.The non-performing loan of commercial banks decreased to 2. 6 percent in Mid July 2012 from 3. 2 percent in the Mid July 2011. The total amount of NPA in Mid July 2012 reached to Rs. 16,325 million from Rs. 16,872 million in the Mid July 2011 as reflected in Table 6. 6 Development Banks 22. The total number of development banks increased to 88 in Mid July 2012 from 87 in Mid July 2011. Out of them, 19 are national level and rests are district level development banks. 23. The total assets/liabilities of development banks increased by 22. 3 percent and reached to Rs. 170,894 million in the Mid July 2 012 from Rs. 139,736 million in Mid July 2011.The entry of new development banks along with business expansion resulted to increase in the total assets and liabilities. 24. Among the component of liabilities, deposit constituted 74. 5 percent followed by capital fund 13. 3 percent borrowing by 0. 7 percent and others by 11. 5 percent in Mid July 2012. In the previous year the respective share of deposit, capital fund and borrowing were 69. 3 percent, 16. 1 percent and 3. 4 percent. On the assets side, loans and advances constituted 58. 9 percent, liquid funds 27. 7 percent and investment 3. 0 percent in Mid July 2012. The respective shares were 63. 7 percent, 21. 0 percent and 4. 2 percent respectively in Mid July 2011 as reflected in Table 45.Figure 6 Compositions of Assets/Liabilities of Dev. Bank as on Mid-July, 2012 Figure 6(a) Figure 6(b) 25. In total deposit of Development Bank in 2012, Saving deposit comprises the major share 47. 9 percent in total deposit followed by Fixe d deposit of 29. 4 percent , Call deposit 20. 0 percent , Current deposit 2. 1 percent and others 0. 7 percent. As of Mid July 2011, the proportion of saving, fixed, and call & current deposits were 44. 3 percent, 32. 2 percent, 21. 1 and 1. 9 percent respectively as reflected in Table 45. Figure 7 7 26. During the period of current fiscal year, the deposit collection of Development Banks increased by 31. percent and reached to Rs. 127,300 million in Mid July 2012 from Rs. 96,887 million. Deposit in previous year had increased by 25. 9 percent. Similarly capital fund increased by 0. 8 percent and reached to Rs. 22,702 million. In the same period borrowings decreased significantly by 74. 6 percent and reached to Rs. 1,193 million in Mid July 2012 from 4,700 million in previous year. The increment of capital fund and borrowings were 46. 9 percent and 5. 8 percent in Mid July 2011. Figure 8 27. The average proportion of non-performing loan to total outstanding loan of development b anks reached to 4. 9 percent in Mid July 2012 from 4. 2 percent in Mid July 2011. fall amount of NPL as end of Mid July 2012 is Rs. 10,062 million as presented in Table 48. 8 Finance Companies 28. The total number of finance companies remained to 69 in Mid July 2012. During this period the following finances went into merger. S. No Name Merge into 1 2 3 4 5 6 7 Universal Finance Shikhar Finance Swastik Merchant Finance Suryadarshan Finance Standard Finance IME Finance Lord Buddha Finance railway line Development Bank Kasthamandap Development Bank Infrastructure Development Bank Annapurna Bikash Bank Machapuchhre Bank Global Bank Global Bank During the period Annapurna Finance upgraded to Development bank and started operation as Kailash Development Bank. 29.The decrement in number of Finance Companies resulted the total assets/liabilities of the finance companies to shrink by 10. 7 percent in Mid -July 2012 and reached to Rs. 112,973 million from 126,617 million in Mid July 201 2 as presented in Table 50. Among the total liabilities deposits held the largest share of 67. 4 percent followed by capital fund 13. 6 percent, others 18. 1 percent and borrowings 1. 0 percent. The respective share of deposit, capital fund and borrowing were 67. 5 percent, 17. 2 percent and 11. 7 percent in the previous year. On the assets side, loan and advances held 59. 0 percent of total assets followed by liquid funds 23. 8 percent, investments 3. 1 percent and others 14. percent in Mid July 2012 as presented in Table 50. The respective share of loan & advances, liquid funds and investments were 68. 7 percent, 16. 2 percent and 4. 5 percent in Mid July 2011. Figure 9 Compositions of Assets/Liabilities of Finance Companies as on Mid-July, 2012 Figure 9(a) Figure 9(a) Figure 9(b) Figure 9(b) 9 30. The total deposit mobilization by the finance companies in the current fiscal year decreased 10. 9 by percent in Mid July 2012 and reached to Rs. 76,116 million from Rs. 85,477 millio n. Similarly, capital fund decreased by 29. 7 percent and reached to 15,318 Rs. million from Rs. 21,818 million. Likewise, borrowing decreased by 75. percent and reached to Rs. 1,106 million from Rs. 4,506 million in Mid July 2012 as reflected in Table 50. 31. In the Mid July 2012, liquid fund decreased by 31. 0 percent and reached to Rs. 26,884 million from Rs. 20,511 million Mid July 2011. Likewise, loan & advances declined by 23. 4 percent. The growth was 28. 5 percent in Mid July 2011. The total outstanding amount of loan and advances including Bills purchased and loan against collected bills reached to Rs. 66,644 million in Mid July 2012 from Rs. 87,032 million in Mid July 2011. Likewise, the investment including Share & other investment decreased by 38. 4 percent and reached to Rs. ,529 million in Mid July 2012. The increment was 29. 3 percent in Mid July 2011. 32. Credit deposit ratio of finance companies reached to 87. 5 percent in Mid July 2012 from 101. 8 percent in the Mid July 2011. Figure 10 33. The average proportion of non-performing loan to total outstanding loan of Finance Companies reached to 10. 7 percent in Mid July 2012 and reached to Rs. 7,145 million as presented in Table 53 . The ratio was 5. 4 percent and amount of Rs. 4,729 million in the Mid July 2011. 10 Micro Finance Development Banks & Rural Development Banks 34. Currently there are 24 D class farming(prenominal) & micro finance development banks in the country.Out of them five are regional level rural development banks and remaining are micro finance development banks. 35. In Mid July 2012, the total assets/liabilities of micro finance development banks increased by 39. 6 percent compared to increment of 13. 6 percent in the Mid July 2011. In Mid July 2012, the total assets/liabilities of these banks reached to Rs. 30,007million from Rs. 21,496 million in Mid July 2011 as presented in Table 55. Figure 11 36. As of Mid July 2012 the total outstanding loan and adv ances of micro finance development banks increased by 21. 0 percent and reached to Rs. 17,738 million from Rs. 14,650 million in Mid July 2011 as reflected in Table 55. Cooperatives and NGOs 37.The number of financial cooperatives licensed by NRB to conduct limited banking activities and number of NGOs are 16 and 36 respectively in Mid July 2012. Due to unavailability of current data, the statistical information of cooperatives and NGOs are not included in this bulletin. 11 Table No. 1 Financial System at a Glance (Rs in Million) Mid July 2001 1 Capital Fund Commercial Banks Development Banks Finance Companies Micro Finance Development Banks Others 2 Borrowing Commercial Banks Development Banks Finance Companies Micro Finance Development Banks Others 3 Deposits Commercial Banks Development Banks Finance Companies Micro Finance Development Banks Others 4 Other Liabilities Commercial Banks Development Banks Finance Companies Micro Finance Development Banks Others 5 Liquid FundComme rcial Banks Development Banks Finance Companies Micro Finance Development Banks Others 6 Investment Commercial Banks Development Banks Finance Companies Micro Finance Development Banks Others 7 Loans and Advances Commercial Banks Development Banks Finance Companies Micro Finance Development Banks Others 8 Other Assets Commercial Banks Development Banks Finance Companies Micro Finance Development Banks Others 9 Total Assets / Liabilities Commercial Banks Development Banks Finance Companies MFDB & RDB Others 91. 8% 1. 7% 5. 8% 0. 7% 87. 4% 6. 0% 5. 9% 0. 7% 1. 0% 0. 9% 0. 7% 88. 0% 2. 3% 8. 8% 0. 5% 76. 3% 14. 7% 8. 1% 0. 6% 27398. 5 92. 9% 1. 8% 4. 6% 0. 8% 39279. 7 87. 1% 8. 3% 4. 1% 58587. 3 94. 9% 1. 0% 3. 5% 55133. 5 90. 6% 3. 4% 5. 2% 0. 7% 0. 8% 92. 1% 1. 3% 5. 9% 90. 3% 2. 4% 6. 6% 1. 9% 1. 6% 10993. 5 74. 9% 5. 7% 17. 5% 2002 15827. 2 64. 5% 17. 2% 16. 8% 2003 20031. 0 59. 0% 20. 6% 16. 0% 3. 1% 1. 4% 11650. 9 27. 2% 50. 5% 1. 2% 20. 5% 0. 6% 197325. 6 205135. 3 228736. 4 89. 1% 2. 8% 7. 2% 0. 3% 0. 5% 96632. 6 89. 7% 6. 8% 2. 3% 0. 7% 0. 4% 43782. 0 87. 0% 5. 6% 5. 9% 0. 8% 0. % 51457. 9 88. 2% 6. 7% 4. 6% 2. 0% 0. 5% 75. 4% 14. 9% 8. 8% 1. 5% 0. 9% 96691. 9 100. 8% -4. 4% 2. 7% 0. 3% 0. 6% 273946. 2 314567. 1 357050. 9 85. 6% 7. 5% 6. 2% 1. 2% 0. 7% 124048. 9 148290. 7 165119. 1 2004 (1474. 3) -692. 0% 282. 0% 247. 8% 45. 3% 16. 9% 13102. 9 23. 1% 45. 5% 10. 0% 21. 1% 0. 3% 258742. 3 90. 4% 1. 5% 7. 5% 0. 3% 0. 3% 117061. 3 89. 4% 7. 1% 2. 4% 0. 7% 0. 3% 53448. 8 86. 3% 4. 1% 8. 2% 0. 9% 0. 5% 55903. 1 88. 8% 6. 3% 4. 5% 2. 2% 0. 3% 184389. 1 75. 9% 13. 8% 9. 5% 1. 5% 0. 7% 93691. 2 101. 7% -5. 5% 2. 9% 0. 3% 0. 5% 387432. 2 87. 7% 4. 7% 7. 0% 1. 3% 0. 6% 2005 (9088. 1) -210. 5% 52. 2% 46. 8% 8. 1% 3. 4% 16217. 6 42. % 27. 7% 6. 1% 21. 0% 3. 0% 88. 8% 2. 4% 7. 9% 0. 3% 0. 6% 93. 4% 4. 0% 1. 6% 0. 8% 0. 3% 45792. 5 83. 8% 4. 9% 8. 5% 1. 4% 1. 3% 66499. 1 90. 5% 3. 0% 3. 6% 2. 3% 0. 6% 78. 3% 9. 2% 10. 2% 1. 7% 0. 7% 97. 2% 0. 0% 1. 9% 0. 4% 0. 4% 86. 7 % 4. 9% 6. 4% 1. 3% 0. 7% 2006 (7461. 5) -237. 8% 63. 9% 57. 8% 11. 1% 5. 0% 21830. 3 43. 6% 23. 9% 5. 3% 24. 4% 2. 8% 88. 8% 1. 8% 8. 3% 0. 3% 0. 8% 89. 0% 6. 5% 3. 7% 0. 7% 0. 1% 47728. 1 81. 4% 3. 3% 11. 3% 2. 8% 1. 3% 88959. 6 92. 4% 2. 4% 3. 1% 1. 9% 0. 2% 76. 7% 8. 7% 11. 8% 1. 9% 0. 9% 94. 3% 1. 9% 2. 6% 0. 6% 0. 6% 84. 7% 5. 2% 7. 7% 1. 6% 0. 7% 2007 6901. 7 -60. 1% 58. 8% 78. 0% 16. 2% 7. 1% 26703. 7 47. % 8. 4% 13. 0% 26. 0% 4. 9% 391152. 6 86. 3% 3. 9% 8. 8% 0. 3% 0. 7% 157719. 2 91. 6% 0. 6% 6. 4% 0. 7% 0. 6% 58064. 2 75. 9% 6. 4% 12. 9% 3. 1% 1. 6% 101888. 2 91. 8% 1. 5% 4. 5% 2. 0% 0. 2% 291605. 8 79. 5% 5. 3% 12. 2% 2. 0% 1. 0% 130919. 0 92. 6% 1. 5% 4. 4% 0. 6% 1. 0% 582477. 3 84. 2% 3. 9% 9. 2% 1. 8% 0. 9% 2008 25778. 0 38. 6% 25. 4% 28. 9% 4. 9% 2. 2% 31391. 5 45. 9% 8. 1% 13. 9% 26. 8% 5. 4% 83. 7% 5. 1% 10. 3% 0. 3% 0. 6% 82. 9% 3. 6% 11. 6% 1. 0% 0. 9% 68. 3% 10. 2% 18. 1% 1. 2% 2. 2% 90. 5% 2. 8% 3. 6% 2. 9% 0. 2% 78. 3% 6. 0% 13. 2% 1. 8% 0. 7% 96532. 9 87. 3% 3. 0% 7. 1% 0. 9% 1. 7% 80. 2% 5. 6% 11. 4% 1. 8% 1. 0% 2009 52681. 8 57. % 17. 7% 20. 0% 3. 7% 0. 9% 35387. 8 51. 8% 7. 4% 14. 7% 25. 4% 0. 8% 83. 5% 7. 1% 8. 5% 0. 3% 0. 6% 81. 9% 5. 2% 9. 9% 2. 0% 1. 0% 74. 6% 11. 3% 11. 5% 2. 0% 0. 6% 92. 6% 3. 5% 2. 3% 1. 5% 0. 2% 77. 8% 8. 2% 11. 7% 1. 6% 0. 7% 67366. 6 87. 8% 4. 1% 4. 3% 2. 3% 1. 6% 82. 1% 6. 9% 8. 8% 1. 6% 0. 6% 2010 77264. 3 52. 7% 19. 8% 24. 6% 2. 8% 0. 0% 38047. 1 52. 0% 11. 7% 8. 1% 28. 3% 0. 0% 788083. 6 80. 1% 9. 8% 9. 9% 0. 3% 0. 0% 94786. 2 81. 7% 8. 6% 8. 2% 1. 5% 0. 0% 152590. 3 67. 3% 17. 1% 14. 2% 1. 4% 0. 0% 147743. 6 90. 7% 4. 6% 3. 0% 1. 7% 0. 0% 620837. 5 75. 2% 10. 6% 12. 4% 1. 8% 0. 0% 70130. 0 86. 6% 7. 4% 4. 8% 1. 3% 0. 0% 76. 7% 10. 6% 10. % 1. 8% 0. 0% 2011 105816. 3 55. 8% 21. 3% 20. 6% 2. 3% 0. 0% 47096. 3 52. 8% 10. 0% 9. 6% 27. 7% 0. 0% 873488. 8 1076629. 3 78. 7% 11. 1% 9. 8% 0. 4% 0. 0% 108082. 5 78. 1% 10. 0% 10. 2% 1. 7% 0. 0% 151266. 2 64. 8% 19. 4% 13. 6% 2. 2% 0. 0% 162870. 4 91. 8% 3. 6% 3. 5% 1. 1% 0. 0% 718674. 5 73. 5% 12. 4% 12. 1% 2. 0% 0. 0% 80391. 3 82. 9% 9. 5% 6. 0% 1. 6% 0. 0% 75. 3% 12. 0% 10. 9% 1. 8% 0. 0% 77. 3% 12. 4% 8. 2% 2. 2% 94913. 2 80. 2% 8. 6% 9. 5% 1. 7% 807579. 3 77. 1% 12. 5% 8. 3% 2. 2% 209934. 4 86. 3% 2. 6% 1. 7% 9. 4% 241900. 3 66. 9% 19. 6% 11. 1% 2. 4% 126163. 1 73. 4% 10. 7% 13. 9% 2. 0% 80. 6% 11. 8% 7. 1% 0. 5% 34392. 3 45. 1% 3. % 3. 2% 48. 2% 2012 117979. 6 65. 4% 19. 2% 13. 0% 2. 4% 284115. 2 327925. 3 508905. 7 674584. 3 183080. 3 163664. 3 140248. 7 107071. 3 97917. 7 142159. 2 120335. 6 141347. 3 209053. 7 230424. 7 391537. 7 511752. 8 152979. 7 138846. 1 474325. 9 505958. 5 706324. 0 988878. 8 1026595. 1 1166214. 1 1380971. 4 12 Table No. 2 Major Indicators of COMMERCIAL BANKS Unit 2001 1. rude house servant Product 1 Mid July 2002 459443. 00 413. 00 57. 31 185144. 70 24327. 00 83855. 60 64171. 40 12790. 70 113174. 60 34209. 80 2651. 10 448. 29 7997. 61 274. 03 4888. 75 1. 86 3. 71 34. 44 1. 17 10202. 50 2003 492231. 00 447. 00 54. 14 203879. 30 28862. 50 97238. 0 63287. 60 14490. 30 124522. 40 45386. 30 2867. 70 456. 11 8806. 88 278. 57 5378. 94 10. 12 10. 03 32. 67 8. 44 11814. 60 2004 536749. 00 423 58. 49 233811. 20 33729. 90 114137. 20 65130. 90 20813. 20 140031. 40 49668. 60 2519. 40 552. 75 10099. 84 331. 04 6048. 87 14. 68 12. 45 9. 44 11. 68 14854. 40 2005 589412. 00 422 59. 95 252409. 80 34646. 40 129995. 00 67318. 20 20450. 20 163718. 80 60181. 10 2442. 50 598. 13 10903. 23 387. 96 7072. 09 7. 95 16. 92 21. 17 10. 07 15153. 30 2006 654055. 00 437 59. 18 291245. 50 37386. 50 151639. 40 76572. 80 25646. 80 176820. 30 82173. 70 4988. 70 666. 47 11515. 46 404. 62 6991. 24 9. 60 3. 03 24. 51 10. 4 16567. 00 2007 727089. 00 470 56. 26 337497. 20 45031. 20 174732. 50 87212. 60 30520. 90 231829. 50 93530. 80 5461. 40 611. 41 13344. 19 419. 98 9166. 23 15. 88 31. 11 13. 82 13. 90 28640. 70 2008 818401. 00 555 48. 70 426080. 30 56089. 30 211452. 00 104772. 50 53766. 50 302913. 40 108954. 80 2772. 90 7 67. 71 15763. 24 545. 79 11206. 56 26. 25 30. 66 16. 49 20. 13 41208. 20 2009 960011. 00 752 36. 76 563604. 40 71651. 00 259925. 40 141259. 40 90768. 60 398143. 00 130856. 90 2608. 00 749. 47 20390. 90 529. 45 14404. 59 32. 28 31. 44 20. 10 34. 82 56912. 90 2010 1170993. 00 987 28. 37 630880. 84 80606. 2 237709. 33 200058. 50 112506. 81 469279. 4 134041. 09 6268. 50 639. 19 22324. 95 475. 46 16606. 39 11. 94 17. 87 2. 43 41. 62 66877. 97 2011 1345767. 00 1245 21. 38 687587. 89 78982. 9 231094. 43 253586. 40 123924. 18 528023. 14 149557. 36 7807. 70 552. 28 25829. 75 424. 11 19835. 58 8. 99 12. 52 11. 58 26. 76 83578. 54 2012 1558174. 00 1423 18. 62 867978. 25 93304. 4 304786. 78 298835. 74 171051. 31 622575. 49 181272. 66 6906. 71 609. 96 32760. 69 437. 51 23498. 29 26. 24 17. 91 21. 21 17. 84 92199. 07 Rs. in million In Unit In Thousand Rs. in million Rs. in million Rs. in million Rs. in million Rs. in million Rs. in million Rs. in million Rs. in million Rs. in million Rs. in Unit Rs. n million Rs. in Unit In portion In Percentage In Percentage In Percentage Rs. in million 441519. 00 430. 00 53. 84 181767. 00 25100. 70 80988. 40 65322. 30 10355. 60 109121. 20 25446. 50 2909. 70 422. 71 7851. 71 253. 77 4713. 66 17. 31 13. 28 41. 63 14. 39 8230. 20 2. Number of Bank Branches 3. Population per Bank Branches 4. Total Deposits A. Current B. Savings C. Fixed D. Others 5. Total Credit 6. Total Investment 7. Credit to Government Enterprises 8. Average Deposit per Bank Branch 9. Per Capita Deposits 10. Average Credit per Bank Branch 11. Per Capita Credit 12. Deposit Growth 13. Credit Growth 14. Investment Growth 15. Time Deposit Growth 16.Paid up Capital & constraint Fund 1 Source Nepal Rastra Bank, Research Department (At current prices) 13 Table No. 3 Statement of Assets & Liabilities of COMMERCIAL BANKS (AGGREGATE) (Rs. In million) Mid-July 2006 2007 (17742. 1) (4149. 5) 10571. 7 20017. 1 4841. 7 6586. 0 10. 0 10. 0 (34912. 0) (32800. 2) 1376. 8 1607. 8 369. 7 4 29. 8 9519. 6 12750. 4 3644. 5 3767. 7 1991. 9 3119. 3 2273. 2 3692. 1 111. 4 1610. 0 2060. 0 291245. 6 337497. 2 37386. 6 45031. 2 32794. 6 39967. 0 4592. 0 5064. 2 151639. 4 174732. 5 145701. 7 168419. 0 5937. 7 6313. 5 76572. 8 87212. 6 63555. 6 72661. 1 13017. 2 14551. 4 22722. 1 26953. 3 2924. 7 3567. 6 599. 6 698. 86580. 7 79854. 6 4513. 5 8064. 9 26097. 4 28485. 1 36083. 1 33659. 7 19886. 7 9644. 6 47230. 1 60737. 6 11272. 7 3249. 1 428706. 2 490638. 1 38842. 1 6306. 6 5908. 6 398. 0 24309. 2 21058. 2 20866. 6 191. 6 1288. 9 1287. 7 1. 2 0. 0 1962. 1 8226. 3 1805. 5 6420. 8 57539. 1 57464. 7 0. 0 0. 0 74. 4 24634. 7 17515. 0 7119. 7 173383. 4 168394. 7 4988. 7 3353. 8 669. 6 1230. 9 1453. 3 83. 0 21. 2 61. 8 4026. 7 52632. 7 36718. 0 297. 7 36420. 3 4448. 0 1750. 5 513. 6 9202. 6 377. 5 2109. 7 59040. 3 12683. 2 428706. 2 44089. 7 7813. 6 7359. 7 453. 9 28434. 1 23233. 2 23085. 4 147. 9 1545. 4 1511. 9 33. 0 258. 6 3397. 0 7841. 8 2768. 1 5073. 7 64443. 63889. 5 0. 0 0. 0 0. 0 553. 5 29087. 8 21374. 8 7713. 2 228951. 9 218597. 7 4892. 7 5461. 4 2824. 1 500. 4 1060. 3 1263. 3 53. 5 1. 4 52. 1 6077. 7 59145. 6 33444. 3 423. 6 33020. 8 5877. 6 7052. 0 584. 8 12186. 9 350. 0 2633. 5 50313. 4 2667. 8 490638. 1 Liabilities expectant FUND a. Paid-up Capital b. Calls in advance c. Statutory reserves d. Share Premium e. retain Earning f. Others Reserves g. Exchange Fluctuation Fund BORROWINGS a. NRB b. AClass Licensed Institution c. alien Banks and Fin. Ins. d. Other Financial Ins. e. Bonds and Securities DEPOSITS a. Current Domestic irrelevant b. Savings Domestic Foreign c. Fixed Domestic Foreign d.Call Deposits e. Others Bills Payable Other Liabilities 1. heterogenous Creditors 2. Loan Loss Provision 3. spare-time activity Suspense a/c 4. Others Reconcillation A/c Profit & Loss A/c 2001 8230. 2 5504. 1 1787. 1 2002 10202. 5 6431. 0 2540. 0 260. 9 970. 6 2349. 5 1167. 7 953. 4 228. 5 2003 11814. 6 7726. 0 2820. 0 75. 7 1192. 9 3170. 4 1437. 0 1599. 2 134. 2 2004 (10201. 7) 8350. 0 3385. 0 (25056. 1) 3119. 4 3023. 6 731. 6 1770. 5 521. 4 2005 (19129. 5) 9723. 9 3825. 9 10. 0 (34292. 8) 1062. 5 541. 1 6842. 9 4488. 6 1347. 2 27. 6 979. 6 252409. 8 34646. 4 29196. 3 5450. 0 129995. 0 123899. 0 6095. 9 67318. 2 59053. 9 8264. 3 17681. 7 2768. 5 480. 2 92900. 7 2986. 31419. 2 39070. 5 19424. 9 65319. 8 10104. 8 408928. 8 38369. 4 5137. 3 4763. 8 373. 5 21173. 5 17859. 5 16501. 0 1358. 6 848. 9 835. 2 13. 7 0. 0 2465. 1 12058. 7 1482. 0 10576. 7 50821. 9 47678. 2 100. 4 0. 0 3043. 4 9359. 1 6467. 5 2891. 5 157198. 9 157198. 9 2442. 5 3909. 2 745. 7 1053. 4 2110. 1 168. 2 21. 7 146. 5 3809. 6 50728. 6 38786. 5 161. 9 38624. 6 2427. 5 795. 8 8718. 8 262. 4 1269. 9 75288. 9 17742. 5 408928. 7 2008 9960. 7 31829. 9 7467. 1 347. 4 (31727. 9) 1911. 2 133. 0 14408. 2 2673. 1 4410. 5 4022. 7 426. 2 2875. 7 426080. 3 56089. 3 48226. 3 7863. 0 211452. 0 203810. 7 7641. 3 104772. 5 88824. 5 15948. 0 49417. 4 4349. 2 975. 81303. 1 15198. 9 24730. 6 2 9554. 2 11819. 3 19151. 2 14856. 8 566736. 0 66875. 4 13010. 3 12651. 6 358. 7 43459. 7 30820. 1 30467. 6 352. 5 7094. 1 6942. 8 151. 3 320. 2 5225. 2 10405. 4 3591. 0 6814. 4 71495. 5 71065. 8 0. 0 17. 0 170. 0 242. 7 37459. 3 18240. 7 19218. 6 302913. 4 288246. 8 11893. 7 2772. 9 3694. 9 931. 4 1381. 8 1381. 7 29. 7 29. 6 0. 0 8101. 2 55347. 5 30046. 4 432. 7 29613. 7 7959. 1 3450. 6 1042. 0 12849. 4 390. 8 2257. 1 7186. 3 10984. 9 566736. 0 2009 30399. 5 40738. 3 9514. 2 298. 4 (27143. 0) 6670. 4 321. 4 18320. 2 2154. 3 8132. 5 4012. 7 520. 7 3500. 0 563604. 5 71651. 0 63927. 8 7723. 2 259925. 4 250353. 9 9571. 141259. 4 110297. 3 30962. 1 84709. 7 6058. 9 1738. 5 87709. 2 17306. 4 23682. 5 27666. 2 19054. 0 95621. 7 14772. 4 812165. 9 105989. 0 15839. 2 15014. 6 824. 6 75438. 8 55539. 2 54348. 6 1190. 7 11505. 6 11462. 2 43. 4 415. 4 7978. 6 14711. 1 8418. 7 6292. 4 69261. 4 68902. 0 0. 0 17. 0 70. 0 272. 4 61595. 5 33293. 2 28302. 3 398143. 0 387543. 3 7991. 7 2608. 0 3745. 7 1 308. 0 1560. 5 877. 3 17. 9 17. 8 0. 1 11004. 8 59152. 5 28776. 5 429. 2 28347. 2 8978. 3 4339. 7 993. 7 16064. 4 475. 2 1889. 1 93915. 3 6976. 4 812165. 9 939. 0 2308. 7 411. 8 1896. 9 0. 0 181767. 0 25100. 7 185144. 7 24327. 0 203879. 3 28862. 5 233811. 2 33729. 9 80988. 4 83855. 97238. 9 114137. 2 65322. 3 64171. 4 63287. 6 65130. 9 7691. 8 2663. 8 59221. 3 10531. 9 2258. 8 77221. 2 12027. 9 2462. 4 86697. 4 18061. 1 2752. 1 113183. 6 59221. 3 77221. 2 86697. 4 113183. 6 Total Assets LIQUID FUNDS a. cash in Balance Nepalese Notes & Coins Foreign coin b. Bank Balance 1. In Nepal Rastra Bank Domestic money Foreign Currency 2. AClass Licensed Institution Domestic Currency Foreign Currency 3. Other Financial Ins. 4. In Foreign banks c. Money at Call Domestic Currency Foreign Currency INVESTMENTS a. Govt. Securities b. NRB Bond c. Govt. Non-Fin. Ins. d. Other Non-Fin Ins. e Non Residents SHARE & OTHER INVESTMENT a.Interbank Lending b. Non Residents c. Others LOANS & ADVANCES a. Pri vate Sector b. Financial Institutions c. Government Organizations preeminence PURCHED a. Domestic Bills Purchased b. Foreign Bills Purchased c. Import Bills & Imports LOANS AGAINST COLLECTED BILLS a. Against Domestic Bills b. Against Foreign Bills 251527. 2 55583. 3 4775. 1 4116. 9 658. 2 37230. 9 21440. 9 274917. 9 49937. 2 5494. 8 4881. 1 613. 8 31115. 2 23170. 3 305561. 7 38163. 6 5440. 4 4735. 9 704. 5 21334. 4 16867. 6 339816. 7 46252. 8 4719. 3 4283. 8 435. 5 26579. 7 22728. 2 2010 40719. 8 46630. 4 260. 4 12146. 3 303. 5 (26722. 0) 7414. 6 686. 7 19783. 9 6752. 6 4816. 8 1933. 3 2553. 4 3727. 630880. 8 80606. 2 69758. 6 10847. 6 237709. 3 232482. 4 5226. 9 200058. 5 172137. 7 27920. 8 105687. 2 6819. 7 1226. 0 77413. 0 10050. 4 21631. 8 24101. 3 21629. 5 1234. 6 16042. 8 787300. 9 102749. 0 17573. 1 17137. 2 435. 9 69551. 5 49542. 7 48933. 2 609. 5 8460. 4 8415. 1 45. 3 1333. 7 10214. 7 15624. 4 8296. 2 7328. 1 81343. 8 79079. 6 1386. 8 8. 5 382. 3 486. 7 52697. 3 35917. 0 1 6780. 3 467107. 2 453049. 0 11270. 6 2787. 6 2172. 6 662. 0 742. 8 767. 8 98. 6 71. 4 27. 3 13896. 1 60702. 9 25188. 4 170. 3 25018. 1 10127. 5 5946. 9 279. 6 19160. 5 458. 8 1616. 6 4457. 9 0. 0 787300. 9 2011 59064. 4 58294. 9 0. 0 14925. 9 317. 1 (24831. 2) 9612. 745. 3 24852. 8 10226. 1 6321. 0 1868. 1 379. 9 6057. 8 687587. 9 78982. 9 68644. 3 10338. 5 231094. 4 225420. 6 5673. 8 253586. 4 223579. 9 30006. 5 116624. 7 7299. 5 942. 9 84386. 3 13044. 3 21340. 1 23249. 4 26752. 5 5931. 6 15598. 5 878364. 5 98071. 7 20265. 2 19765. 0 500. 3 63293. 3 48727. 4 48274. 9 452. 4 3826. 0 3497. 3 328. 7 284. 6 10455. 2 14513. 2 6047. 6 8465. 6 102655. 9 100267. 3 1687. 7 58. 5 332. 3 310. 1 46901. 4 35002. 2 11899. 3 522853. 3 503339. 4 13362. 3 6151. 5 5073. 8 1663. 5 1728. 3 1682. 1 96. 0 74. 1 21. 8 16098. 8 66675. 1 24341. 4 896. 7 125. 8 23318. 9 12063. 3 9681. 6 200. 3 20388. 5 600. 7 1376. 6 17961. 1 0. 878364. 5 2012 77142. 6 65983. 3 4325. 3 18708. 7 213. 3 (19595. 1) 6742. 9 764 . 1 15507. 2 4286. 7 1970. 7 2175. 8 146. 2 6927. 8 867978. 3 93304. 4 83148. 3 10156. 1 304786. 8 298957. 4 5829. 3 298835. 7 264970. 6 33865. 1 161784. 1 9267. 2 1599. 4 92665. 2 15909. 0 22094. 0 19491. 9 35170. 4 (3672. 9) 15876. 8 1067096. 6 161785. 5 26026. 9 25398. 0 628. 9 127706. 2 110572. 6 109814. 5 758. 1 6784. 5 6101. 5 683. 0 187. 7 10161. 4 8052. 4 2865. 4 5187. 0 131017. 9 127213. 0 3030. 3 270. 8 120. 0 383. 8 50254. 8 1948. 9 1. 8 48304. 2 612322. 6 577113. 2 28302. 7 6906. 7 9607. 0 3165. 4 3466. 1 2975. 4 645. 9 593. 5 52. 4 19818. 7 76147. 9 20790. 282. 9 620. 6 19886. 8 14554. 3 15511. 3 364. 1 24927. 9 447. 8 1638. 5 3410. 1 0. 0 1067096. 6 796. 1 928. 2 683. 7 1825. 1 14993. 9 13577. 3 7016. 7 13327. 3 3783. 1 11388. 8 2026. 4 14953. 8 25100. 9 25100. 9 28573. 8 28573. 8 39045. 5 39045. 5 42384. 3 42384. 3 345. 6 5636. 0 6340. 8 7284. 3 107118. 9 104209. 3 2909. 6 1887. 2 1887. 2 115. 0 115. 0 61376. 3 19888. 5 334. 3 19554. 2 111694. 4 109043. 3 2651. 1 1322 . 2 1322. 2 158. 0 158. 0 77596. 3 23742. 8 308. 2 23434. 6 123211. 1 120343. 4 2867. 7 1143. 8 1143. 8 167. 5 167. 5 97489. 4 27722. 2 297. 8 27424. 4 138922. 9 136403. 5 2519. 4 1050. 4 1050. 4 58. 2 58. 2 103863. 8 34458. 5 180. 34278. 2 FIXED ASSETS OTHER ASSETS a. Accrued Interests Financial Institutions Govt. Entp. Private Sector b. Staff Loans / Adv. c. Sundry Debtors d. Cash In Transit e. Others Expenses not Written off Non Banking Assets Reconcillation Account Profit & Loss A/c 41487. 8 53853. 5 69767. 2 69405. 3 Total 251527. 2 274917. 9 305561. 7 339816. 7 14 Table No. 4 Some Ratios of COMMERCIAL BANKS Mid July 2007 2001 A. GDP, DEPOSITS, CREDIT & INVESTMENT 1. Deposit / GDP 2. Credit / GDP 3. Investment / GDP 4. Credit & Investment / GDP 5. Time Deposit / GDP 6. Current Deposit / GDP 7. Credit / Deposit 8. Investment / Deposit 9. Credit & Investment / Deposit 10.Fixed Deposit / Total Deposit 11. Current Deposit / Total Deposit 12. Credit to Govt. Entp. / Credit 13. Credi t to Pvt. Sector / Total Credit B. LIQUIDITY 1. NRB Balance / Deposit 2. Vault / Deposit 3. Liquid Fund / Deposit C. CAPITAL ADEQUACY 1. 2. 3. 4. Capital Fund / Total Deposit Capital Fund/ Total Credit Capital Fund / Total Assets Capital Fund / Risk weighted Assets 4. 53 7. 54 3. 27 (5. 49) 12. 51 2. 79 32. 43 44. 25 26. 56 6. 19 32. 76 35. 62 8. 63 60. 03 14. 00 74. 03 35. 94 19. 51 2. 67 97. 33 2002 2003 2004 2005 2006 2008 2009 2010 2011 2012 43. 85 26. 80 8. 10 34. 91 35. 06 8. 79 61. 13 18. 48 79. 60 34. 66 20. 05 2. 34 97. 66 41. 2 25. 30 9. 22 34. 52 32. 61 5. 86 61. 08 22. 26 83. 34 31. 04 14. 16 2. 30 97. 70 43. 56 26. 09 9. 25 35. 34 33. 40 6. 28 59. 89 21. 24 81. 13 27. 86 14. 43 1. 80 98. 20 42. 82 27. 78 10. 21 37. 99 33. 48 5. 88 64. 86 23. 84 88. 70 26. 67 13. 73 1. 49 98. 51 44. 53 27. 03 12. 56 39. 60 34. 89 5. 72 60. 71 28. 21 88. 93 26. 29 12. 84 2. 82 97. 18 46. 91 32. 22 13. 00 45. 22 36. 41 6. 26 68. 69 27. 71 96. 40 25. 84 13. 34 2. 36 95. 53 51. 91 36. 90 13. 27 50. 18 38. 53 6. 83 71. 09 25. 57 96. 66 25. 06 13. 16 0. 66 95. 16 58. 71 41. 47 13. 63 55. 10 14. 71 7. 46 70. 64 23. 22 93. 86 25. 06 12. 71 0. 66 99. 34 53. 88 39. 89 11. 45 51. 34 17. 08 6. 8 74. 04 21. 25 95. 29 31. 71 12. 78 1. 34 98. 66 51. 09 39. 24 3. 49 42. 72 18. 84 5. 87 76. 79 6. 82 83. 61 36. 88 14. 96 1. 47 98. 53 55. 70 39. 96 11. 63 51. 59 19. 18 5. 99 71. 73 20. 88 92. 61 34. 43 10. 75 1. 13 98. 87 13. 44 3. 19 28. 97 8. 91 2. 87 20. 15 9. 72 1. 83 19. 78 7. 08 1. 89 15. 20 7. 23 2. 17 13. 34 6. 88 2. 32 13. 06 7. 23 2. 97 15. 70 9. 85 2. 81 18. 81 7. 85 2. 79 16. 29 7. 09 2. 95 14. 26 12. 74 3. 00 18. 64 5. 51 9. 01 3. 71 (9. 88) 5. 79 9. 49 3. 87 (12. 04) (4. 36) (7. 29) (3. 00) (9. 07) (7. 58) (10. 82) (4. 65) (6. 33) (6. 09) (10. 03) (4. 14) (5. 30) (1. 23) (1. 79) (0. 85) (1. 71) 2. 34 3. 29 1. 76 4. 04 5. 39 7. 4 3. 74 7. 22 7. 39 9. 98 5. 92 6. 58 8. 59 11. 19 6. 72 10. 59 11. 15 12. 39 7. 23 11. 50 15 Table No. 5 Capital Fund to Risk Weighted Assets of COMMERCIAL BANKS Mid-July 2003 Mid-July 2004 Mid-July 2005 Mid-January 2006 Mid-July 2006 Mid-July 2007 Mid-July 2008 Mid-July 2009 Mid-July 2010 (Rs. in million) Mid-July 2011 Capital Fund to Risk Weighted Assets (%) Mid-July 2012 Capital Fund to Risk Weighted Assets (%) (5. 46) (9. 35) 12. 71 11. 82 16. 28 11. 90 11. 37 11. 86 11. 08 12. 58 11. 81 12. 85 23. 55 14. 60 13. 27 11. 81 11. 47 18. 25 12. 47 15. 54 14. 85 16. 81 12. 75 18. 38 14. 65 12. 53 24. 39 19. 11 20. 80 14. 19 23. 06 21. 81 443. 5 Banks Capital Capital Capital Capital Capital Capital Fund to Fund to Fund to Fund to Fund to Fund to Risk Risk Risk Capital Fund Risk Risk Risk Capital Fund Capital Fund Capital Fund Capital Fund Capital Fund Weighte Weighte Weighte (In Million) Weighte Weighte Weighte d Assets d Assets d Assets d Assets d Assets d Assets (%) (%) (%) ( In %) (%) (%) (9449. 14) (21998. 92) 1455. 09 698. 24 1464. 85 1604. 21 686. 28 843. 26 703. 74 658. 31 269. 65 594. 51 361. 77 517. 87 390. 91 334. 58 355. 01 (28. 25) (44. 28) 13. 05 8. 85 14. 21 11. 03 13. 78 8. 11 12. 33 12. 05 6. 51 18. 87 11. 37 24. 75 15. 46 38. 56 41. 85 (8806. 67) (21009. 57) 1609. 2 1099. 38 1560. 16 1790. 57 671. 41 743. 80 766. 88 704. 86 223. 23 656. 36 337. 08 579. 38 570. 15 574. 56 383. 29 (24. 97) (42. 12) 13. 56 11. 18 15. 99 10. 62 10. 25 5. 61 11. 07 11. 18 3. 42 13. 75 8. 71 17. 82 12. 81 29. 13 19. 36 (7514. 79) (20288. 80) 1766. 07 1579. 21 1664. 36 2034. 01 744. 88 386. 64 1247. 56 777. 45 404. 79 730. 99 274. 13 688. 84 701. 50 639. 44 413. 43 (19. 54) (40. 54) 12. 44 11. 58 16. 36 11. 10 9. 47 3. 02 13. 57 11. 22 5. 51 13. 29 6. 35 11. 36 11. 15 20. 72 13. 93 (7072. 25) (19693. 87) 1828. 89 1366. 69 1922. 27 2056. 96 897. 39 291. 67 934. 97 785. 65 269. 60 722. 35 88. 17 678. 32 739. 70 655. 09 562. 10 (30. 7) (59. 89) 12. 73 11. 30 19. 67 11. 26 12. 61 3. 10 12. 33 14. 37 5. 11 12. 10 3. 26 10. 61 10. 51 15. 84 15. 85 (5008. 40) (17865. 29) 2567. 79 2246. 10 2344. 60 2588. 90 1348. 08 83 5. 76 1414. 79 1216. 70 383. 77 1037. 50 (648. 20) 987. 90 961. 65 695. 40 641. 00 (29. 67) (50. 30) 15. 08 12. 36 19. 13 13. 10 15. 01 6. 70 12. 86 15. 71 5. 22 13. 62 (13. 29) 12. 98 12. 64 14. 18 14. 83 (6334. 74) (17265. 78) 2307. 63 2851. 62 2225. 28 2651. 37 1444. 80 (2707. 44) 1676. 12 1265. 83 (574. 91) 1208. 61 (435. 81) 1110. 67 1115. 21 921. 93 863. 82 1753. 24 487. 34 565. 12 (32. 47) (48. 45) 12. 04 12. 17 15. 71 12. 11 13. 29 (23. 55) 11. 19 12. 38 (9. 3) 12. 20 (7. 80) 12. 07 11. 20 12. 43 11. 84 4. 19 14. 69 21. 43 Capital Fund Capital Capital Capital Fund to Fund to Fund to Risk Risk Capital Fund Capital Fund Risk Weighted Weighted Weighted Assets Assets (%) Assets (%) (%) (22. 60) (44. 17) 11. 91 11. 31 16. 80 12. 50 12. 54 (16. 49) 11. 34 11. 47 11. 22 12. 96 5. 99 11. 30 14. 96 11. 16 11. 20 14. 93 11. 66 11. 80 13. 28 21. 30 14. 16 28. 23 36. 25 (5404. 00) (13823. 20) 4065. 20 5538. 10 3190. 40 3980. 70 2048. 40 855. 60 2875. 90 2067. 70 992. 00 1963. 70 998. 40 1776. 60 2060. 80 1721. 60 1630. 70 11206. 60 1054. 70 1116. 10 1131. 90 1143. 00 1493. 70 1929. 80 1642. 80 (14. 85) (37. 0) 11. 71 12. 10 14. 70 11. 31 12. 18 6. 62 11. 04 11. 91 10. 93 14. 60 17. 78 11. 61 11. 57 11. 49 10. 45 15. 79 9. 53 11. 65 10. 35 12. 45 13. 36 21. 02 20. 14 (4851. 80) (8617. 08) 3129. 41 3765. 16 3053. 00 3119. 88 2141. 89 1112. 24 2203. 62 1741. 60 1099. 00 1660. 25 1151. 52 1700. 20 1624. 51 1795. 60 1492. 79 8976. 24 1522. 28 1308. 27 1329. 21 1534. 98 1582. 12 1883. 79 1816. 05 2045. 10 1400. 00 Capital Fund Capital Fund 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 26 27 28 29 30 31 32 Nepal Bank Limited Rastriya Banijya Bank NABIL Bank Limited Nepal Investment Bank Limited Standard Chartered Bank Nepal Limited.Himalayan Bank Limited Nepal SBI Bank Limited Nepal Bangladesh Bank Limited Everest Bank Limited Bank of Kathmandu Limited Nepal Credit and Commerce Bank Limited Nepal Industrial & Commercial Bank Limited Lumbini Bank Limit ed Machhapuchhre Bank Limited Kumari Bank Limited Laxmi Bank Limited Siddhartha Bank Limited Agriculture Development Bank Ltd. Global Bank Ltd Citizens Bank International Ltd. Prime Commercial Bank Ltd Bank of Asia Nepal Ltd. Sunrise Bank Ltd. Development Credit Bank Ltd. NMB Bank Ltd. Kist Bank Ltd. Janata Bank Nepal Limited Mega Bank Nepal Limited Commerz and Trust Bank Nepal Limited Civil Bank Limited Century Commercial Bank Limited Sanima Bank Limited Total (5744. 60) (17162. 60) 3207. 70 3898. 50 3115. 40 3348. 00 1726. 00 (2151. 40) 2387. 13 1635. 16 734. 10 1626. 90 366. 90 1264. 17 1898. 80 1213. 24 1178. 00 6661. 59 767. 1 668. 00 776. 41 732. 10 707. 89 1318. 80 1286. 50 (11. 17) (4607. 70) (24. 08) (7422. 94) 11. 61 11. 69 17. 78 11. 02 14. 14 12. 87 10. 56 11. 45 14. 25 15. 30 24. 62 11. 18 13. 80 14. 99 10. 73 18. 05 11. 36 11. 28 11. 68 14. 86 11. 74 24. 03 20. 68 14. 83 67. 81 3835. 70 4585. 39 3371. 62 3439. 22 2508. 19 1845. 66 2759. 14 2071. 36 1523. 30 17649. 53 1 442. 28 1773. 51 1966. 16 1912. 81 1877. 69 10903. 50 1563. 31 2144. 29 2410. 48 2091. 93 2182. 42 2032. 97 2169. 96 2089. 52 1446. 17 1682. 61 1400. 00 1200. 00 1100. 95 (9. 66) (3008. 00) (22. 52) (4738. 00) 11. 75 12. 09 17. 38 11. 45 11. 84 10. 53 10. 43 11. 62 13. 58 24. 49 14. 68 10. 86 14. 5 13. 21 11. 75 19. 95 11. 20 15. 57 16. 34 17. 41 14. 68 21. 23 17. 80 14. 49 36. 44 19. 33 28. 77 21. 28 42. 08 464. 49 6921. 00 7397. 00 5019. 00 5700. 76 3999. 00 2323. 00 4643. 10 3240. 64 1923. 00 2643. 00 2112. 00 2789. 00 2760. 00 2649. 55 3022. 00 16324. 00 3386. 00 2571. 03 3018. 74 2494. 08 2409. 00 2413. 00 2289. 00 2359. 99 2210. 82 1862. 00 1495. 00 1306. 00 1200. 00 2334. 00 97068. 72 (20509. 78) (12. 04) (17545. 71) (9. 07) (13750. 28) (6. 33) (12966. 30) (4. 72) (4251. 95) (5. 30) (4870. 10) (1. 71) 15460. 31 235. 00 37257. 20 241. 74 40719. 83 377. 06 74949. 02 16 Table No. 6 Non Performing Loan Status of Commercial Banks (Rs. n million) 2003 Banks Total clear Loan NPL NP L to Total Gross Loan (%) 2004 Total Gross Loan 17937. 66 NPL NPL to Total Gross Total Loan Gross Loan (%) 2005 NPL NPL to Total Gross Total Loan Gross Loan (%) Mid July 2006 NPL NPL to Total Gross Total Loan Gross Loan (%) 2007 NPL NPL to Total Gross Total Loan Gross Loan (%) 2008 NPL NPL to Total Gross Loan (%) 2009 Total Gross Loan NPL NPL to Total Gross Loan (%) 2010 Total Gross Loan NPL NPL to Total Gross Total Loan Gross Loan (%) 2011 NPL NPL to Total Gross Loan (%) Total Gross Loan 2012 NPL NPL to Total Gross Loan (%) 5. 83 7. 27 2. 26 1. 98 0. 74 2. 06 0. 54 4. 29 0. 84 2. 30 2. 80 0. 73 0. 47 2. 69 2. 4 0. 62 2. 25 6. 35 1. 55 2. 01 0. 47 3. 22 3. 03 1. 25 2. 45 4. 90 0. 00 0. 49 0. 00 0. 00 0. 00 1 2 3 4 5 6 7 8 9 Nepal Bank Limited Rastriya Banijya Bank NABIL Bank Limited Nepal Investment Bank Limited Standard Chartered Bank Nepal Limited. Himalayan Bank Limited Nepal SBI Bank Limited Nepal Bangladesh Bank Limited Everest Bank Limited 18132. 33 10964. 91 26608. 83 16005. 32 8113. 68 5921. 79 6000. 16 10844. 60 4795. 84 7961. 51 5049. 58 4856. 03 3396. 41 2562. 86 2622. 36 1495. 86 2137. 59 775. 94 629. 03 449. 63 117. 09 247. 95 1092. 84 426. 90 1013. 28 111. 19 420. 87 700. 83 170. 69 306. 77 31. 10 36. 32 0. 00 0. 00 60. 47 60. 15 5. 54 1. 8 4. 13 10. 08 8. 90 12. 73 2. 20 8. 67 20. 63 6. 66 11. 70 2. 08 1. 70 0. 00 0. 00 9640. 08 53. 74 57. 64 3. 35 2. 47 3. 77 8. 88 6. 25 10. 81 1. 72 6. 66 12. 72 3. 92 7. 36 0. 98 0. 76 0. 00 1. 61 16866. 50 8372. 00 49. 64 50. 70 1. 32 2. 69 2. 69 7. 44 6. 54 19. 04 1. 63 4. 99 8. 64 3. 78 15. 23 0. 39 0. 95 1. 63 2. 58 12441. 59 23100. 87 13278. 78 13171. 54 9206. 28 15761. 97 8241. 45 9796. 38 10136. 25 7488. 70 5899. 16 6902. 10 4321. 58 6146. 57 7007. 78 4279. 80 3869. 27 33310. 75 2262. 18 8045. 50 182. 60 272. 49 195. 90 1040. 75 505. 30 2927. 00 129. 20 203. 60 1289. 90 179. 55 1339. 20 16. 92 64. 35 33. 50 33. 57 6858. 99 18. 18 34. 3 1. 38 2. 07 2. 13 6. 60 6. 13 29. 88 1. 27 2. 72 21. 87 2. 60 30. 9 9 0. 28 0. 92 0. 78 0. 87 20. 59 13756. 60 24871. 36 15903. 00 17769. 00 10790. 10 17793. 70 10065. 00 9169. 40 14082. 68 9694. 00 5122. 20 9128. 70 4944. 60 7319. 90 9062. 50 6529. 20 6319. 90 34440. 37 2601. 70 1856. 00 6876. 50 178. 30 421. 97 197. 10 641. 60 45. 80 3645. 90 113. 17 243. 29 1606. 87 1001. 10 1007. 00 85. 16 66. 20 23. 10 21. 50 6185. 29 0. 00 13. 49 27. 65 1. 12 2. 37 1. 83 3. 61 4. 56 39. 76 0. 80 2. 51 31. 37 1. 11 20. 37 1. 16 0. 73 0. 35 0. 34 17. 96 0. 00 15770. 70 27494. 60 21769. 80 27529. 30 13964. 40 20233. 90 12742. 60 9469. 60 18836. 40 12747. 0 5281. 00 11465. 46 5367. 40 8969. 80 11530. 80 9794. 40 9481. 20 36585. 40 5134. 07 4798. 30 5156. 00 2755. 30 4057. 69 3692. 54 2009. 9 1410. 80 5951. 80 171. 40 309. 40 128. 70 475. 80 464. 90 2945. 30 121. 00 223. 80 864. 00 98. 30 798. 20 92. 90 156. 00 12. 70 57. 00 4256. 20 0. 00 0. 00 0. 00 0. 00 0. 00 79. 80 8. 95 21. 65 0. 79 1. 12 0. 92 2. 35 3. 65 31. 10 0. 64 1. 76 16. 36 0. 86 14. 87 1. 04 1. 35 0. 13 0. 60 11. 63 0. 00 0. 00 0. 00 0. 00 0. 00 2. 16 19482. 25 31606. 96 27589. 93 36827. 16 13679. 76 25519. 14 15131. 75 7025. 65 24469. 56 14945. 72 7183. 68 13679. 39 5681. 39 12467. 19 14593. 57 13463. 35 13330. 80 32566. 53 9063. 9 8128. 11 9732. 59 7635. 76 8963. 62 6353. 98 1151. 40 4955. 97 220. 72 301. 98 90. 29 551. 21 305. 66 1355. 95 117. 45 189. 81 196. 83 123. 11 514. 73 342. 85 62. 75 6. 73 59. 99 2875. 62 8. 52 0. 00 0. 00 0. 76 13. 89 102. 93 5. 91 15. 68 0. 80 0. 82 0. 66 2. 16 2. 02 19. 30 0. 48 1. 27 2. 74 0. 90 9. 06 2. 75 0. 43 0. 05 0. 45 8. 83 0. 09 0. 00 0. 00 0. 01 0. 16 1. 62 0. 49 25086. 80 35692. 51 33030. 93 40948. 44 16176. 65 29123. 76 18023. 36 9119. 03 28156. 40 17113. 33 8387. 77 12929. 30 5272. 30 14972. 07 14938. 51 14736. 41 16895. 41 39375. 27 12163. 64 10924. 88 14102. 43 11229. 90 12235. 68 7500. 48 7931. 13 573. 20 4085. 02 45. 58 2. 8 11. 45 0. 14 0. 46 0. 54 3. 16 1. 47 1. 77 0. 16 1. 18 2. 71 0. 56 4. 66 1. 78 0. 40 0. 12 0. 42 8. 22 0. 61 0. 04 0. 21 0. 10 1. 34 1. 19 26709. 90 36866. 10 38922. 74 41887. 69 18662. 48 32968. 27 21718. 79 10237. 46 31661. 84 17956. 95 9229. 80 15165. 52 6213. 15 14732. 06 14926. 38 15389. 51 18647. 20 40389. 35 12779. 18 12514. 23 17083. 90 11873. 20 12434. 38 9043. 46 11343. 09 13437. 00 3584. 31 4816. 46 2486. 29 3155. 16 1187. 30 1410. 73 4024. 64 689. 85 245. 63 115. 80 1293. 38 245. 53 1963. 56 108. 40 326. 33 363. 40 90. 36 59. 73 660. 73 167. 90 138. 84 109. 57 3491. 50 321. 78 146. 18 81. 19 76. 62 427. 64 148. 55 30. 16 133. 60 . 28 10. 92 1. 77 0. 59 0. 62 3. 92 1. 13 19. 18 0. 34 1. 82 3. 94 0. 60 0. 96 4. 48 1. 12 0. 90 0. 59 8. 64 2. 52 1. 17 0. 48 0. 65 3. 44 1. 64 0. 27 0. 99 0. 00 0. 00 0. 00 0. 00 0. 00 3. 20 29698. 86 40448. 44 42867. 78 42912. 08 19828. 51 35968. 62 26463. 67 10943. 16 36616. 83 19319. 14 12900. 60 17523. 19 6979. 19 16105. 66 17877. 54 16697. 06 20607. 30 45337. 64 20764. 49 14415. 39 19315. 41 12519. 13 14823. 53 11426. 71 12468. 48 14966. 53 74 61. 29 8047. 82 5599. 15 7829. 82 4202. 19 612935. 20 1731. 63 2940. 36 969. 34 850. 42 147. 31 740. 64 143. 85 469. 38 307. 49 443. 39 361. 56 128. 55 32. 86 433. 17 399. 96 103. 70 463. 85 2880. 3 322. 77 289. 55 91. 06 402. 85 449. 26 142. 43 305. 85 734. 05 0. 00 39. 30 0. 00 0. 00 0. 00 16325. 23 25105. 68 14470. 52 8548. 66 7338. 57 6693. 86 12919. 63 5531. 83 9644. 70 6095. 84 6008. 31 4717. 30 3743. 09 3222. 75 2540. 79 3697. 99 1750. 93 1567. 83 286. 68 181. 44 252. 20 1147. 46 345. 82 1042. 18 104. 76 399. 94 600. 05 146. 59 237. 30 24. 98 28. 19 0. 00 25. 22 27000. 90 13689. 30 10946. 74 10453. 16 8420. 87 13451. 17 6739. 35 9626. 91 7900. 09 6182. 05 6011. 90 4909. 36 3685. 13 5130. 22 5681. 01 2726. 14 2634. 93 144. 51 280. 87 226. 31 1001. 35 441. 02 1832. 94 128. 81 308. 51 519. 26 185. 43 561. 13 19. 86 53. 99 44. 49 67. 93 89. 82 87. 17 920. 29 264. 94 161. 50 43. 71 202. 08 227. 72 72. 40 245. 87 266. 27 60. 14 17. 73 70. 57 3235. 90 74. 47 4. 37 29. 97 11. 56 163. 60 89. 53 10 Bank of Kathmandu Limited 11 Nepal Credit and Commerce Bank Ltd 12 Nepal Industrial & Commercial Bank Ltd 13 Lumbini Bank Limited 14 Machhapuchhre Bank Limited 15 Kumari Bank Limited 16 Laxmi Bank Limited 17 Siddhartha Bank Limited 18 Agriculture Development Bank Ltd. 19 Global Bank Ltd. 20 Citizens Bank International Ltd. 21 Prime Commercial Bank Ltd 22 Bank of Asia Nepal Ltd. 23 Sunrise Bank Ltd. 24 Development Credit Bank Ltd. 25 NMB Bank Ltd. 26 Kist Bank Ltd. 27 Janata Bank Nepal Ltd. 8 Mega Bank Nepal Limited 29 Commerz and Trust Bank Nepal Limited 30 Civil Bank Limited 31 Century Commercial Bank Limited Total 30. 5 1. 517488432 5194. 211 25. 45163 0 0 0 0 55. 83 0. 70394 24. 1 0. 19301 0 0 0 12486. 117 0 608. 3301 111904. 40 32095. 69 28. 68 127065. 40 28933. 41 22. 77 148366. 43 27877. 70 18. 79 194360. 82 25580. 50 13. 16 229363. 91 24215. 85 10. 56 306638. 36 18648. 50 6. 08 384315. 13 13574. 64 3. 53 469160. 83 11223. 34 2. 39 528023. 14 16871. 58 2. 66 17 T able No. 7 Statement of Assets & Liabilities of NEPAL BANK LTD. (Rs. In million) Mid-July Liabilities 1 CAPITAL FUND a. Paid-up Capital b. Calls in advance c Statutory Reserves d. Share Premium e. Retained Earning f. Others Reserves g. Exchange Fluctuation Fund 2 BORROWINGS a. NRB b. AClass Licensed Institution c. Foreign Banks and Fin. Ins. d. Other Financial Ins. e. Bonds and Securities 3 DEPOSITS a. Current Domestic Foreign b. Savings Domestic Foreign c. Fixed Domestic Foreign d. Call Deposits e. Others 4 Bills Payable 5 Other Liabilities 1. Sundry Creditors 2. Loan Loss Provision 3. Interest Suspense a/c 4. Others 6 Reconcillation A/c 7 Profit & Loss A/c 2001 1125. 7 380. 4 544. 6 2002 1349. 5 380. 4 544. 6 2003 1449. 1 380. 4 557. 2 2004 1064. 3 380. 4 557. 2 2005 2006 2007 2008 2009 (10347. 5) (10066. 5) (6056. 7) (5399. 8) (4958. 8) 380. 4 380. 4 380. 4 380. 4 380. 4 699. 3 1045. 3 1286. 8 1332. 2 0. 0 0. 0 0. 0 (11672. ) (11672. 7) (7877. 3) (7306. 4) 127. 4 180. 5 127. 7 19 3. 9 118. 1 0. 0 25. 7 0. 0 1124. 9 1717. 4 1604. 9 1820. 1 1124. 5 1717. 4 1604. 9 1820. 1 0. 3 0. 0 0. 0 0. 0 0. 0 0. 0 0. 0 0. 0 0. 1 0. 0 0. 0 0. 0 0. 0 34744. 2 35444. 9 38715. 2 41451. 7 5714. 4 6030. 5 6761. 5 7799. 1 5522. 7 5873. 6 6605. 7 7639. 1 191. 8 156. 9 155. 8 160. 0 22671. 8 23547. 9 26425. 4 28545. 1 22665. 5 23538. 9 26412. 9 28530. 9 6. 3 9. 0 12. 5 14. 1 6269. 3 5790. 9 5393. 2 4757. 9 6263. 3 5784. 5 5387. 6 4752. 0 5. 9 6. 4 5. 6 6. 0 2. 8 0. 0 250. 0 86. 0 75. 6 135. 1 99. 6 169. 2 76. 1 92. 4 35. 9 36401. 0 23575. 4 10265. 5 9718. 7 814. 5 1641. 5 2362. 0 2556. 9249. 9 3269. 6 2376. 3 2141. 8 13629. 7 6456. 8 5090. 4 4510. 5 12707. 0 12207. 5 436. 8 510. 1 1768. 0 1056. 0 3085. 8 2033. 4 1399. 5 2329. 7 65259. 2 5886. 2 1020. 7 942. 5 78. 2 4315. 5 3793. 6 2626. 6 1167. 0 183. 8 183. 8 0. 0 0. 0 338. 1 550. 0 550. 0 13838. 6 11278. 0 0. 0 0. 0 0. 0 2560. 6 51. 2 0. 0 51. 2 17456. 0 16883. 7 572. 3 1073. 3 22. 6 21. 2 1029. 5 1. 3 1. 3 208. 9 15731. 5 12950. 6 161. 9 12788. 7 322. 4 147. 1 2311. 4 122. 3 169. 3 388. 4 10332. 2 65259. 2 54133. 0 5517. 4 1116. 5 1048. 4 68. 1 4400. 9 3702. 9 3702. 2 0. 7 291. 8 291. 8 0. 0 0. 0 406. 2 0. 0 0. 0 11776. 9 11776. 9 0. 0 0. 0 0. 0 0. 0 2644. 5 2597. 2 47. 12180. 4 11414. 9 765. 5 610. 7 1. 6 15. 3 593. 8 0. 0 0. 0 210. 6 10504. 9 6456. 0 128. 3 6327. 7 1314. 2 254. 9 513. 6 1966. 2 128. 0 798. 2 737. 4 9024. 0 54133. 0 47707. 1 7003. 6 1084. 9 1012. 9 72. 0 5918. 7 5112. 8 5125. 8 (13. 0) 327. 6 320. 0 7. 6 478. 3 0. 0 49660. 0 5055. 2 1180. 5 1120. 2 60. 3 3874. 7 2868. 8 2868. 8 0. 0 316. 4 316. 4 0. 0 0. 0 689. 5 0. 0 0. 0 0. 0 12918. 4 12918. 4 0. 0 0. 0 0. 0 0. 0 3733. 5 2426. 9 1306. 6 15480. 6 14809. 8 274. 8 396. 1 290. 1 7. 9 6. 1 276. 2 0. 0 0. 0 0. 0 229. 4 9382. 5 4510. 6 273. 2 4237. 4 1579. 9 131. 4 544. 8 2615. 7 90. 2 702. 6 1777. 5 49660. 0 1380. 0 0. 0 (6976. 4) 206. 2 51. 0 1970. 1970. 7 0. 0 0. 0 0. 0 0. 0 44346. 1 9572. 1 9382. 8 189. 3 31079. 7 31074. 0 5. 7 3579. 4 357 2. 6 6. 8 0. 0 115. 0 56. 9 10191. 6 3273. 2 2188. 6 4046. 0 683. 8 3002. 2 54608. 8 9454. 8 1498. 6 1469. 1 29. 5 7556. 1 6519. 7 6487. 1 32. 6 452. 3 452. 3 0. 0 0. 0 584. 1 400. 0 400. 0 0. 0 10597. 9 10597. 9 0. 0 0. 0 0. 0 0. 0 2881. 1 2249. 0 632. 1 19261. 0 18208. 9 391. 3 660. 8 221. 2 9. 3 6. 6 205. 3 0. 0 200. 7 266. 2 264. 8 1. 4 0. 0 424. 6 215. 0 213. 7 1. 4 0. 0 511. 5 52. 4 52. 4 0. 0 0. 0 126. 7 0. 0 0. 0 0. 0 0. 0 35528. 6 5000. 7 34060. 1 4311. 7 34737. 4 4689. 5 36288. 5 6300. 0 20281. 6 19851. 5 21534. 5 22063. 0 9921. 8 9731. 8 396. 9 7481. 0 0. 0 324. 5 13947. 3 7. 8 157. 4 28191. 9 12. 4 104. 1 30090. 6 270. 0 174. 5 26711. 0 13947. 3 28191. 9 30090. 6 26711. 0 2010 (4851. 8) 380. 4 0. 0 1558. 8 0. 0 (7363. 0) 504. 0 68. 0 2125. 1 300. 0 0. 0 1825. 1 0. 0 0. 0 42129. 9 10540. 7 10342. 5 198. 2 27241. 3 27233. 9 7. 4 4241. 1 4234. 6 6. 5 0. 0 106. 8 47. 1 9280. 3 3934. 3 1527. 4 3285. 8 532. 8 934. 3 428. 6 50093. 5 9968. 6 1573. 7 1536. 8 36. 9 8394. 9 7350. 2 7319. 9 30. 3 350. 2 348. 6 1. 6 0. 0 694. 5 0. 0 0. 0 0. 0 4339. 8 4212. 4 127. 4 0. 0 0. 0 0. 0 1476. 0 1332. 6 143. 4 25074. 2 24747. 4 326. 8 0. 0 12. 5 0. 1 6. 4 6. 0 0. 0 0. 0 0. 0 327. 9 8410. 0 3250. 0. 0 3250. 1 1634. 7 370. 9 276. 0 2878. 3 49. 2 435. 3 0. 0 0. 0 50093. 5 2011 (4607. 7) 380. 4 0. 0 1608. 7 0. 0 (7252. 4) 587. 6 68. 0 1842. 4 0. 0 0. 0 1842. 4 0. 0 0. 0 46804. 2 10915. 9 10674. 3 241. 6 27255. 8 27245. 7 10. 1 7482. 3 7476. 1 6. 2 729. 4 420. 8 11. 1 10387. 7 5406. 2 1501. 0 3014. 7 465. 8 879. 0 383. 4 55700. 1 11238. 1 1568. 5 1537. 2 31. 3 9269. 6 8171. 0 8167. 7 3. 3 656. 3 656. 3 0. 0 0. 0 442. 3 400. 0 400. 0 0. 0 5582. 1 5582. 1 0. 0 0. 0 0. 0 0. 0 2079. 8 1806. 4 273. 4 26637. 8 26607. 8 30. 0 0. 0 72. 1 0. 0 5. 6 66. 5 0. 0 0. 0 0. 0 308. 2 8855. 8 3014. 7 0. 0 0. 0 3014. 7 1703. 3 814. 9 0. 0 3322. 9 44. 5 381. 500. 6 0. 0 55700. 1 2012 (3084. 1) 1772. 8 0. 0 1634. 4 0. 0 (7190. 8) 631. 5 68. 0 2153. 8 0. 0 0. 0 2153. 8 0. 0 0. 0 56042. 6 12325. 2 12115. 1 210. 1 29980. 6 29971. 8 8. 8 11664. 6 11659. 6 5. 0 1649. 1 423. 1 73. 0 9510. 5 3591. 6 1696. 4 3311. 5 911. 0 (4030. 6) 406. 7 61071. 9 11991. 9 1939. 2 1914. 1 25. 1 10052. 7 8569. 8 8511. 1 58. 7 404. 4 404. 4 0. 0 0. 0 1078. 5 0. 0 0. 0 0. 0 6049. 3 6049. 3 0. 0 0. 0 0. 0 0. 0 2423. 9 0. 0 0. 0 2423. 9 29551. 3 29551. 3 0. 0 0. 0 147. 5 0. 0 5. 0 142. 5 0. 0 0. 0 0. 0 361. 9 8764. 9 3311. 5 0. 0 0. 0 3311. 5 1974. 8 889. 9 0. 0 2588. 8 38. 5 309. 4 1433. 2 0. 0 61071. 9 Total Assets 50867. 63816. 6 8063. 8 1648. 9 1409. 9 239. 0 6410. 9 3307. 4 66329. 5 4770. 6 1420. 9 1198. 1 222. 8 3349. 7 2524. 1 64063. 8 6444. 0 969. 4 885. 9 83. 5 4452. 6 3783. 5 1 LIQUID FUNDS 8050. 5 a. Cash Balance 1784. 8 Nepalese Notes & Coins 1479. 4 Foreign Currency 305. 4 b. Bank Balance 6265. 7 1. In Nepal Rastra Bank 3050. 4 Domestic Currency Foreign Currency 2. AClass Licensed Institution 328. 1 Domestic Currency Foreign Currency 3. Other Financial Ins. 4. In Foreign banks 2887. 2 c. Money at Call 0. 0 Domestic Currency Foreign Currency 2 INVESTMENTS 6720. 0 a. Govt. Securities 6720. 0 b. NRB Bond c. Govt. Non-Fin. Ins. d. Other Non-Fin Ins. Non Residents 3 SHARE & OTHER INVESTMENT 56. 3 a. Interbank Lending b. Non Residents c. Others 4 LOANS & ADVANCES 21728. 8 a. Private Sector 21131. 0 b. Financial Institutions c. Government Organizations 597. 8 5 BILL PURCHED 234. 2 a. Domestic Bills Purchased b. Foreign Bills Purchased 234. 2 c. Import Bills & Imports 6 LOANS AGAINST COLLECTED BILLS 99. 3 a. Against Domestic Bills b. Against Foreign Bills 99. 3 244. 0 84. 8 129. 1 2859. 5 4. 1 740. 8 0. 0 540. 0 1022. 0 7115. 2 7115. 2 11722. 8 11722. 8 10593. 8 10593. 8 37. 6 59. 8 429. 9 13226. 3 13226. 3 0. 0 0. 0 0. 0 0. 0 3057. 0 2045. 5 1011. 5 13377. 5 12424. 1 210. 7 742. 7 373. 1 6. 8 366. 3 0. 0 0. 0 189. 7 8933. 9 4146. 306. 8 3839. 2 1251. 2 293. 2 3243. 5 91. 6 838. 5 615. 9 47707. 1 20755. 6 20103. 4 652. 2 139. 2 139. 2 102. 7 102. 7 27602. 5 8793. 0 132. 1 8660. 9 19078. 1 18335. 1 743. 0 88. 4 88. 4 99. 6 99. 6 30510. 2 9772. 9 195. 1 9577. 8 19108. 0 18616. 7 491. 3 33. 7 33. 7 0. 0 0. 0 27454. 4 11498. 8 141. 0 11357. 8 7 FIXED ASSETS 8 OTHER ASSETS a. Accrued Interests Financial Institutions Govt. Entp. Private Sector b. Staff Loans / Adv. c. Sundry Debtors d. Cash In Transit e. Others 9 Expenses not Written off 10 Non Banking Assets 11 Reconcillation Account 12 Profit & Loss A/c 13978. 6 6958. 2 101. 9 6856. 3 265. 8 10569. 4 4044. 2 313. 8 3730. 1733. 7 409. 7 474. 1 3907. 6 76. 3 604. 1 677. 2 54608. 8 7020. 4 18809. 5 20737. 3 15955. 6 Total 50867. 7 63816. 6 66329. 5 64063. 8 18 Table No. 8 Statement of Assets & Liabilities of RASTRIYA BANIJYA BANK (Rs. In million) Mid-July Liabilities 1 CAPITAL FUND a. Paid-up Capital b. Calls in advance c Statutory Reserves d. Share Premium e. Retained Earning f. Others Reserves g. Exchange Fluctuation Fund 2 BORROWINGS a. NRB b. AClass Licensed Institution c. Foreign Banks and Fin. Ins. d. Other Financial Ins. e. Bonds and Securities 3 DEPOSITS a. Current Domestic Foreign b. Savings Domestic Foreign c. Fixed Domestic Foreign d. Call Deposits e.Others 4 Bills Payable 5 Other Liabilities 1. Sundry Creditors 2. Loan Loss Provision 3. Interest Suspense a/c 4. Others 6 Reconcillation A/c 7 Profit & Loss A/c 2001 1506. 7 1172. 3 2002 1538. 2 1172. 3 2003 1557. 5 1172. 3 266. 2 146. 9 146. 9 0. 0 0. 0 0. 0 40500. 4 4864. 0 297. 7 156. 1 156. 1 0. 0 0. 0 0. 0 38964. 6 4639. 7 317. 0 161. 9 161. 9 0. 0 0. 0 0. 0 39308. 6 4687. 9 18822. 1 18997. 2 20861. 2 16477. 2 15166. 6 13579. 5 0. 8 336. 3 31490. 7 6. 7 154. 4 35459. 2

Evaluate the regulation of care provision for looked after children and young people Essay

The organisation that sustain carers and who regulates them include The General Social Care Council (GSCC) is accountable for the registration of all tidy sum who work in social services in England and for regulating their education and training. This includes those working with adults and with fryren. Local Authority Childrens Services Ofsted are responsible for the charge of local authority arrangements, for the protection of the children within them. These unannounced inspections look at how well the local authority and its partners identifies, eases and protects children in the local authority area, and safeguards the organisations that are responsible for children in vulnerable positions or may need extra looking after, for example children in foster care. The Care quality commission (CQC) deals with the essential standards to appoint sure quality and safety is taken into account. This includes places that care is provided such as the District general hospital and care i nglesides. The CQC has the authority to take action on behalf of people who use services that may be unsatisfactory. This can only take action if there is reason to think that anyones basic rights or safety are not being met. The CQC can make particular actions in reaction to risks seen as serious. For example, the CQC can request that a care home or hospital is closed until the provider reaches the safety requirements, otherwise suspension will go forward.The CQC can take a service off the immortalise without question when necessary. Third section organisations are also in place for the protection of children these can be charity organisations which receive both public and orphic funding. These organisations include Barnados- This is a charity which helps to support vulnerable children, childrens families, communities and young carers. Their job is to prevent as much child poverty, child abuse and child sexual abuse from happening. They campaign for the rights of children and pro vide a range of support including counselling, fostering, adoption, training and educational services. For more than 100, 00 children and young people and their families, they also help innovation seeking children. It is one of the biggest childrens charities in the UK and raises money through high streets stores, local retail shops and second hand stores as well as an online shop.NSPCC- Their presence is to end cruelty to children in the UK. The NSPCC helps children at risk, by helping those who are the subjects of neglect, physical abuse and sexual abuse. They also help children under one, looked after children. To help end cruelty to children and young people in the UK, they create and deliver services that will be capable for protecting children and young people. They provide support and advice for adults and professionals if they are concerned about a child. They work with organisations to make sure that they will effectively achieve protection of children and young people an d campaign for changes to command for the protection and rights of every individual child.Childline is a service that children and young people can contact for free if they are ever in need of talk of the town to individual confidentially about general issues and problems, big or small. If a child is worried, scared, upset or just in need of talking to someone they can contact Childline and someone can provide information and support where they can call free, have a 1-2-1 rebuke online on an instant chat service, send emails, message on the Childline message boards or Ask Sam. Whenever children need us, Childline will be there for them- 24 hours a day, 7 days a week, and 365 days per year. Private Providers are put in place for the care of children such as private nurseries that provide day care for the carers of children, where they pay for them to be looked after. The Early Years Foundation Stage (EYFS) is part of the governments wider scheme. It is laid out in the Childrens P lan and Every Child Matters, which gives every child a chance to start developing early on in life. Every nursery that is registered in England is inspected by CQC against the EYFS.

Jewish society Essay

Bread Givers offers an insight into the aliveness of Jews, particularly Jewish women during the early 1900s. This semi-fiction is a journey of the then Jewish settlers in virgin America. The plot is interlacing with a number of conflicts common in that era. Anzia Yezierska has beautifully penned a story about the life of a Jewish woman, her two sisters and her parents how she carries the burden of being the prick earner of the family, and yet have all her decisions made by her let. The book shows us many facets of the lives of the Jewish settlers in the early 1900s.Through its themes it showcases the many roles the Jewish people especially the women, had to live up to after their immigration into the United States. In this era, general law in the Jewish society was that the man had the net say in everything . which was evident from the fact that Reb Smolinsky was able to thrash every single one of his daughters romances. If we follow the life of Sara we will see that sexual pra ctice roles in this era were evidently changing, as Sara made her own decisions and lived her own life.However, society did not accept this change and at the end of the day she was nobody more than an outcast. Its ironic that at the end of the day gladness only came to her after she had found Hugo. Looming over the heads of the females in this era was the conflict surrounded by generations. We see that family keeps the girls from running away and doing what they want in life. According to old traditions, males dominate the decisions as per tradition.But here we see the youngest of the deuce-ace sisters, Sara rebelling against these traditions and going against the course and doing what she believes in and not what the generations have taught her. An unavoidable situation arises and the weight of expectation pushes Sara into taking her father into her own home. Hugo, her fiance, sees only the community belief of what is expected of them and takes their father in without question . Despite how far she has come, the life her culture requires and expects is still waiting for her, ready to take advantage of the slightest slip.As the story evolves, we see how each of the three sisters grows up and longs for a man in her life. However, their course in life shows a sharp contrast between their expectations and reality. After they are married, Eternal happiness and satisfaction eludes them while the actions of their male counterparts slap them in the face and bring them back to reality. We can see that each of the girls thinks marriage or in Saras case, achieving her goals would solve their problems, but it turns out it isnt the magical solution they thought it would be.Bessie and Fania get married, only to face the fact that life wasnt all rosy-cheeked and carefree as they thought it would be. When Sara gives her own room on rent, she visualizes about how amazing and enriching it will be, only to find herself greatly longing for someone to tattle to. In essence all three have set ideas of love in their minds and later on realize just how different real life really is. The book showcases entire generations that moved to America. It was the golden time of opportunity and the part that the Jewish women played in society is of phenomenal interest.BibliographyTakaki, Ronald. , A assorted Mirror A History of Multicultural America (New York Little, Brown & Co. , 1993), 508 pages Gjerde, John. , ed. Major Problems in American Immigration and Ethnic History Documents and Essays. (Cengage Learning, 1998) Jacobs, Harriet. Incidents in the Life of a Slave Girl (1861, rep. 2001). Reimers, David. Unwelcome Strangers. (New York Columbia University Press, c1998). Yezierska, Anzia. Breadgivers. (1925)

Introduction to Statistics and Econometrics Essay

1. Specialty faces the decision of how many Weather Teddy units to golf-club for the coming holiday season. Members of the management team suggested order quantities of 15000, 18000, 24000 or 28000 units. The wide range of order quantities suggested indicate considerable disagreement concerning the market potential. The product management team asks you for an analysis of the stock-out probabilities for various order quantities,an estimate of the value potential, and to help make an order quantity recommendation. Specialty expects to sell Weather Teddy for $24 based on a comprise of $16 per unit. If inventory remains after the holiday season, Specialty will sell all surplus inventory for $5 per unit After reviewing the gross revenue history of similar products, Specialtys senior gross revenue forecaster predicted an expected demand of 20,000 units with a 0.95 probability that demand would be between 10,000 units and 30,000 units. Questions1. rough the demand distribution using Nor mal distribution and sketch the distribution. 2. Compute the probability of a stock-out for the order quantities suggested by members of the management team. 3. Compute the communicate profit for the order quantities suggested by the management team under three scenarios worst case in which sales is 10,000 units, most likely case in which sales is 20,000 units and best case in which sales is 30,000 unitsQuestions1. One of Specialtys managers felt that the profit potential was so great that the order quantity should endure a 70% chance of meeting demand and only a 30% chance of any stock-outs. What quantity would be ordered under this policy, and what is the projected profit under the threesales scenarios? 2. Provide your own recommendation for an order quantity and note the associated profit projections.

Harriet Martineau and the Conflict Theory Essay

When I explore over the theories we have discussed in our school text functionalism,symbolic interaction and booking, I think the one I relate to best is the skirmish theorist. The conflict theorist that I agree with the most is Harriet Martineau. She was a conflict theorist that the book describes as, Scholar Harriet Martineau (18031876), an English opponent of slavery and capitalism who felt they oppressed women, children, and nonwhites, translated the work of Comte so raft could understand the importance of his post (Adams & Sydie, 2001). Regarded as a radical in her day, her work was largely dismissed by people in authority. ( Vissing, 2011, chapter2 sect 3 para 13) There were legion(predicate) female activists who were active early on in the field but they were ignored until feminine activists brought it to the attention of the American public arena ( Vissing, 2011). She would best referred to as a conflict theorist.The conflict theory is defined as, a theory that assumes that the institutions and interactions within society foster inequality and competition, and when they are challenged, then beneficial complaisant change can result. ( Vissing, 2011) Our text states that Harriett Martineau was a feminine activist and likewise was an activist for children and non-whites. Our society has changed greatly since the 1800s and without people like Mrs. Martineu , I ,as a female, would non have the advantages I have today.Things like voting, and equality in the work place have helped women and minorities project their viewpoint into the system we have today. These activists stroved for carnival working laws which would keep women in the 1800s and early 1900s from being mistreated and used. Also another importantthing the feminine activists fought for was birth maintain and abortion as an option to females, so that they may work or pursue personal goals and inte simplicitys. The belief in conflict theory is that there mustiness be a challenge to the s ystemand the way things are in order to activate change, and from what we can tell in the past this has been an effective peckerwood in the slow processes of equality.Another thing that Harriet Martineau did was take the works of Auguste Comte and put them into laymans terms for the average person of the time could understand. Auguste Comtes beliefs were that we should look at observable facts in order to study society, not just the cultural beliefs.His concept of positivism holds that there is nothing that cant be accurately studied if the right methodology is employed. If we try conscientiously enough by employing the scientific method, most things can be studied and understood. ( Vissing, 2011, chapter 1 role 3 para 3) Harriet Martineau used this idea and applied it to the progression of equality for women children and non-whites.In Harriet Martineaus life she was brought up in a comfortable centre class family, and was denied some education because of her sex. When her father died she was faced with sever economic loss and for once felt what it was like to not have the conveniences of a middle class family to hide in. She was engaged to be married but her fiance fell ill and she was saved from a married life. She was single for the rest of her life and face living and arrive ating a living in a patriarchal society. She soon was face with some uncomfortable things and rather than accept them and correct she invoked change within our society by making the plight of women, children and non-whites a mainstream problem that needed to be corrected. Martineau was a Unitarian in religion and at first had a very strong religious viewpoint on the world and society.(Hill, 1991).There are many things that I agree with Martineau on much(prenominal) as that all people should be treated equal and fairly. Another of her main ideas was that non-whites should be treated fairly and with the same respect and dignity that whites were given. She also believed that women c hildren and nonwhites should be able to vote to give their voices some power and that they be offered a chance at education and opportunities for work as well and earn an income whichprovided them with sense of freedom and self sufficiency.In America we would not be the culture we are today without activists such as Harriet Martineau. There would be no women CEOs, we would have no choice other than abstinence when it comes to birth control. Many women died because abortion was illegal and they sought backdoor clinics and at home methods of there own to discharge themselves of an unwanted pregnancy. Another important issue that was resolved due to activists initiating equality into our culture not only for every white man but for every person regardless of race, gender, age or religoud preferences. Today we are treated equal in most instances and when not the issue is usally irradicated quickly.In my opinion the conflict theorist had the right idea, without conflict or differences i n the way society is run there will be no need for change. If there is individual who feels like things need to be changed we must bring that issue to the people and make it known because not all inequalities are suffered by the same people and unless you have been never been treatedunfairly then you know how it feels to not be able to do something or say something justbecause of who you are not what you have done. Our merits should be what we are judged on and not by what someone stereotypes us as being. We have come a long way as a culture but as long as there is a society we will always have some form of manage on our hands to ensure equality for allpeople, and it seems to me that the conflict theory is the best way to do this.ReferenceBelasco, S. (2000). Harriet martineaus black hero and the American antislavery movement. Nineteenth Century Literature, 55(2), 157-194. Retrieved from http//search.proquest.com/docview/211910586?accountid=32521Michael, R. H., & Deborah, A. L. (2 010). The harriet martineau sociological societys fifth working seminar A report from boston college 1. Sociological Origins, 6(1), 5-7. Retrieved from http//search.proquest.com/docview/204784236?accountid=32521Vissing, Y. (2011) An Introduction to Sociology. (Ashford University ed). San Diego Bridgepoint Education, Inc. retrieved from https//content.ashford.edu/books/AUSOC101.11.1/sections/sec1.3?search=harriet%20Martineauw4370

In the 15th Century the idea of schooling began Essay

It is employ during the process of streaming within school subjects. For example pupils who the teacher feels is good or poor at a certain subject, will be taught in a high or low ability group, this has criticisms at it encourages pupils to think of themselves as having fixed facts of lifeal ability. A pupil can also be given a label from their behaviour, such as trouble maker or thick, every at home or school. This can damage a childs self esteem or make them rebel, which leads to them believing the label they draw been given, this is c anyed the Self-fulfilling prophecy.For what ever reason they were given the label, they find it hard to be looked at without the label, so end up behaving in a way that fits to their given label. functional class not only harbor had inequalities in the past but also still do today. Although there are more(prenominal) opportunities in the procreation system, home life also plays large impact on how well a child does achidemically at school. Douglas (1964) conducted a study on middle and functional class children through primary and secondary school. He arrange that children of a similar measured ability at age 7 varied a great deal in their educational achievement by the time they were 11.He claimed that the greatest influence on attainment was parental attitudes in the functional class. He measured this by the number of times these parents visited the school, family size, early child-rearing practises, health and the quality of the childs school. Working class children are more likely to have a part time job whilst at school and likely to leave education at 16. The Plowden Report (1967) noticed in operative class households there was an absence of books, educational toys, lack of finance, lack of motivation, no parent support of due to own experiences or as a contract to work long hours.This has been described as Material and Cultural deprivation. Jackson and Marsden (1962) published a study, Education and the w orking class. It showed that working class children prevail to be slower in learning how to read and write, they start school at a disadvantage and this normal go forwards throughout. Marxists would say that this is because there are slight opportunities for some classes and that the education system just helps to reproduce the existing class structure, e. g. , the ruling class (upper and middle class) and the workers (the working class), thus conflict and inequalities will continue. advantage at school depends heavily on spoken language, for reading, writing, speaking and understanding. Bernstein argues that there is a relationship between language use and social class, and that the language use by the middle class is a better instrument for success at school than the language used by the working class, (Browne 2005). In his lot there are two different language codes The restricted code- This language is used by both classes, but is more characteristic of the working-class peo ple. It is used everyday amongst friends and family, which is informal and simple (such as slang).Bernstein argues that lower-class-working people are mainly limited to this form of language use. The elaborated code- This is mainly used by the middle-class, and is communicate in a formal context, with explanation if required. It has a much wider vocabulary than the restricted code, and is the language that would be found in textbooks, essays and examinations. Bernstein has argued that as the language used in schools by teachers and in textbooks is the elaborated code, working class children are disadvantaged. They may find it hard to understand the elaborate language used in school, therefore their work will suffer.Unlike middle class children who are used to the language so will find the work easier. Differences have been found amongst the achievements of people from different ethnic backgrounds, possible reasons for this could be the differences in their cultural backgrounds, lan guage barriers and understanding or suffering from racism. If English were not the first language for someone this would give him or her a large disadvantage in the understanding of the language, which would affect their work in most areas. Suffering from racism in or out of school would cause the pupil upset, which could affect their schoolwork.M whatever Pakistani, Bangladeshi and African Caribbean children have large families and are working class, so are likely so have deprived social conditions. These groups mentioned appear to have a below average reading ability and tend to get few and poorer GCSE declarations than white or Indian pupils. It can be seen on the below table they are the overall lowest achieving ethnic groups. Students that achieved 5 or more GCSE grades A*-C (%) Race Group 1989 1998 2002 Indian N/a 54 60 White 30 47 52 Bangladeshi N/a 33 41 Pakistani N/a 29 40 Black 18 29 36.(Department for Education and skills, 2004 in Livesley et al, 2005) From the data abo ve it is crap that black children are the lowest achievers. In the past racist remarks have been made claiming that problem was they had lower levels of inherited intelligence. Which is untrue, in 1985 the Swann Report found that there was no significant difference between the IQs of black and white children, (Thompson et al, 1982). Black boys are practically given labels such as unruly and difficult to manipulate, due to how the teacher has interpreted them by their dress, manner or speech, and find them challenging.They are more often to be given detention than other pupils, and often feel unfairly treated, then respond in accordance with their label, self-fulfilling prophecy. Although they do not achieve well at school, the number of black women staying in education past the age of 16 is increasing, which may be influenced by the many future career opportunities available today. Kamala Nehaul (Parenting, Schooling and Caribbean Heritage Pupils 1999) has noted how black parents determine education for the enhanced life chances it offered.She also mentioned the encouragement and commitment from parents, talking about the school day and providing provisions needed for their child to study. Indian children do well within the education system, there is a strong emphasis on self-improvement through education within this culture. Many of these children have superior backgrounds, so have good role models and supportive parents and they also have material advantages. Differences in the achievement between gender, race and class will continue to be compared, though surely the person should be treated as an individual.Post-modern thinkers such as Elkind (1998), suggest a key characteristic here is the persuasion of difference and, in a sense, the fragment of identities. In other words, students want to be recognised and treated as unique individuals rather than as groups, (Livesey et al, 2005). Although a students background may impression their achievement, as evidence suggests, it must be remembered that everyone is an individual with their own abilities, no matter what race, class or gender they are, have the potential to achieve in education.A girl, black or white from a working class background may not have had any opportunities for a good career after education 50 years ago, due to inequalities in the system, but this is not the case today. Overall the educational achievements for all groups of people have improved. There will always be some people in all of the groups mentioned previously, that fail in education, as a result of self-gratification and now culture, they are more focused on living for the moment, and not thinking about how their actions during their education can effect their future life.