Book Cover Path - Gurkhas Finance
Transcript of Book Cover Path - Gurkhas Finance
sf7df8f}+ kmfOgfG; lnld6]8KATHMANDU FINANCE LIMITED
aL;f}+ jflif{s k|ltj]bg–@)&)÷)&!
;fwf/0f;ef ;DaGwL ;fdfGo hfgsf/L
(Merger)
(Merger) (Acquisition)(Memorandum of Understanding) Merger Acquisition
(Due Diligence Audit)
sf7df8f}+ kmfOgfG; lnld6]8KATHMANDU FINANCE LIMITED
aL;f}+ jflif{s k|ltj]bg–@)&)÷)&!
;fwf/0f;ef ;DaGwL ;fdfGo hfgsf/L
sf7df8f} kmfOgfG; lnld6]8
email: [email protected] www.kathmandufinance.com.np
sf7df8f}+ kmfOgfG; lnld6]8KATHMANDU FINANCE LIMITED
aL;f}+ jflif{s k|ltj]bg–@)&)÷)&!
sf7df8f}+ kmfOgfG; lnld6]8KATHMANDU FINANCE LIMITED
aL;f}+ jflif{s k|ltj]bg–@)&)÷)&!
sf7df8f}+ kmfOgfG; lnld6]8KATHMANDU FINANCE LIMITED
aL;f}+ jflif{s k|ltj]bg–@)&)÷)&!
jL;f}+ jflif{s ;fwf/0f;efsf] nflujL;f}+ jflif{s ;fwf/0f;efsf] nflujL;f}+ jflif{s ;fwf/0f;efsf] nflujL;f}+ jflif{s ;fwf/0f;efsf] nflu cWoIfHo"sf] dGtJocWoIfHo"sf] dGtJocWoIfHo"sf] dGtJocWoIfHo"sf] dGtJo
cfb/0fLo z]o/wgL dxfg'efjx¿,
sf7df8f+}++ kmfOgfG; lnld6]8sf] jL;f}+ jflif{s ;fwf/0f ;efdf pkl:yt ;Dk"0f{ z]o/wgL dxfg'efjx¿, ljleGg ;+:yfaf6 kfNg' ePsf k|ltlglw, ko{j]Ifs Pj+ cltlyHo"x?nfO{ o; ljQLo ;+:yfsf ;~rfnsx¿ tyf d]/f] tkm{af6 xflb{s :jfut clejfbg ub{5' .
cGt/fcGt/fcGt/fcGt/flllli6i6i6i6o kl/b[ioMo kl/b[ioMo kl/b[ioMo kl/b[ioM
ljZj cfly{s dGbLsf] rk]6faf6 qmlds ?kdf dfly pl7/x]sf] ePtf klg dWok"jL{ b]zx¿sf]/fhg}lts ;d:ofsf] k|efj /fi6«sf] cfly{s ultljlwx¿df k|ToIf ?kdf c;/ k/]sf] gb]lvP klg g]kfn c5'tf] eP/ /xg ;Sb}g tyflk g]kfnL cy{tGqsf] d]?b08sf] ?kdf /x]sf] a}b]lzs /f]huf/Ldf xfn;Dd To:tf] c;/ b]vf k/]sf] 5}g . g]kfnsf] ef/t;+u /x]sf] rfn" k"+hL 3f6fsf] dfqf lbg k|lt lbg jl9/xgfn] a}b]lzs /f]huf/sf] dfWodaf6 b]zdf lelqPsf] d"Nojfg ljb]zL d'b|f ;fdfg cfoft ug{ ljb]z tkm{ g} lkmtf{ uO/x]sf] cj:yf 5 .
/f/f/f/flllli6i6i6i6«««« ««««o kl/b[ioMo kl/b[ioMo kl/b[ioMo kl/b[ioM
d'n'ssf] cl:y/ /fhgLlt, sdhf]/ ;'/Iff gLlt tyf ljB't tyf OGwgsf] ;xh cfk"lt{df b]lvPsf];d:ofx?sf] sf/0f d'n'ssf] cf}Bf]lus kl/of]hgfx?df rfx] h:tf] nufgL a9\g g;Sg'sf] sf/0f shf{sf] dfu pTkfbgzLn If]q tyf ;]jf If]qx?df a9\g ;s]sf] 5}g . kmn:j?k a+}s tyf ljQLo If]qdf clws t/ntfsf] l:ylt /xg uof] . pk/f]St kl/l:yltsf] afah'b klg o; ;+:yfsf] lgIf]k ;+sng, shf{ nufgL tyf c;'nL nufotsf sfo{af6 ;+:yf d'gfkmfdf ;+rfng eO{ sf/f]jf/ ;+tf]ifk|b /x]sf] Aoxf]/f ox+Fx?nfO{ cjut u/fpg rfxG5' . ;fy}, cuffdL lbgx?df klg ljQLo If]qdf cfkm\gf]:yfg ;/lIft tyf ;jn /fVg ;+:yf ;kmn xg] s/fdf oxf+x?nfO{ ljZj:t u/fpg rfxG5 .
;ldIff cjlwdf ;+:yfn] z]o/ k"+hLtkm{ cl3Nnf] cf=j=sf] t'ngfdf !*=!! k|ltztsf] a[l4 xfl;n ug'{sf ;fy} rfn' jif{df g]=/f=a}+ssf] lgb]{zg cg';f/sf] Go'gtd kF"hL ?=@)=)) s/f]8 k'¥ofpg ;+:yf ;kmn /x]sf] hfgsf/L u/fp+b5' . To;}u/L, ;ldIff cjlwdf cl3Nnf] cf=j=sf] t'ngfdf lgIf]ktkm{#^=&% k|ltztsf] a[l4 ug'{sf cltl/Qm lgIf]k ljljlws/0fsf] plrt Joj:yfkgsf] k/L0ffd :j?k s'nlgIf]ksf] () k|ltzt JolQmut lgIf]k /x]sf] / ;+:yfut lgIf]k !) k|ltzt dfq /x]sf] 5 eg] shf{tkm{ jiff{Gtdf a9L c;'nL x'gfsf] sf/0f cl3Nnf] jif{sf] t'ngfdf s]xL sdL x'g uPsf] b]lvG5 . ;+:yfn] shf{ ;fk6LnfO{ ljljlws/0f u/L nufgL ug'{sf] cnfjf ;+:yfut nufgLnfO{ ;d]t ;Defjgfsf] ?kdf cl3 a9fPsf] 5 . ;ldIff cjlwdf cl3Nnf] cf=j=sf] t'ngfdf pNn]Vo ?kdf d'gfkmf a9fpg ;+:yf ;kmn x'g'sf ;fy} r'Qmf k"+hLsf] * k|ltzt jf]g; z]o/ k|:tfjsf] ?kdf
z u/]sf] 5' . cfufdL lbgx?df o; ;+:yfsf] sf/f]af/ tyf d'gfkmf b'j} j[l4 ub}{n}hfg] tkm{ ;+rfns ;ldlt lg/Gt/ ?kdf sfo{/t /x]sf] Joxf] x?nfO{ ljZjf; lbnfpg rfxG5' .
yk ;]jfx?Myk ;]jfx?Myk ;]jfx?Myk ;]jfx?M
cfufdL lbgdf ;+:yfn] cem k|efjsf/L ?kn] ;do ;fk]If yk gof art tyf shf{ of]hgfx? cjnDag ug'sf ;fy} cfw'lgs k|ljwLdf cfwfl/t a}ls ;]jf tyf ;'ljwfx? yk ub}{ n}hfg] Joxf]/f
sf7df8f}+ kmfOgfG; lnld6]8KATHMANDU FINANCE LIMITED
aL;f}+ jflif{s k|ltj]bg–@)&)÷)&!
cjut u/fpg rfxG5' . rfn' jif{ @)&!.)&@ df k|e' /]ld6sf] ;]jf z'? eO{ ;s]sf] 5 eg] cfOPdO{nufot cGo /]ld6x?;+u ;Demf}tfsf] k|lqmof cufl8 a9fOPsf] Joxf]/f cjut u/fpg rfxG5' .
zfvf ;+hfnMzfvf ;+hfnMzfvf ;+hfnMzfvf ;+hfnM
o; ;+:yfsf] xfn;Dd s'g} klg zfvf ;+hfn g/x]sf] sf/0f To;sf] k|ToIf c;/ sf/f]jf/df k|ltljlDjt eO{ /x]sf] 5 . cljl5Gg sfn;Dd zfvf/lxt ?kdf a}+lsË Joj;fo ;+rfng x'g g;Sg]tyf Joj;fosf] cfsf/ j[l4 gu/L sf/f]jf/ j[l4 gx'g] tyf nfut ;d]t sd ug{ g;lsg] bf rfn'jif{ b]zsf] ljleGg :yfgx?df zfvf lj:tf/ ug]{ of]hgf ltj| ?kdf cufl8 a9fOg] hfgsf/L u/fpg rfxG5' .
z]o/ k"+hLMz]o/ k"+hLMz]o/ k"+hLMz]o/ k"+hLM
;+:yfsf] Joj;fosf] cfwf/ tyf ;Ifdtf To; ;+:yfdf nufgL ul/Psf] k+"hLn] k|ltljlDjt ug]{k"+hLsf] dfqf hlt a9L eof] ;+:yf Tolt g} ;jn dflgg] ub{5 . ;f]lx cg'?k ;+lglDt ! a/fa/ ! sf] cg'kftdf xsk|b z]o/ lgisfzg ug{
cGtdf, o; ljQLo ;+:yfnfO{ sf/f]af/sf] l;nl;nfdf cfjZos ;xof]u ug{'x'g] ;d:t u|fxsju{, lgIf]kstf{x¿, sDkgL /lhi6«f/sf] sfof{no, g]kfn /fi6« a}+s, lwtf]kq af]8{, g]kfn :6s PS:r]~h lnld6]8, cGo a}+s tyf ljQLo ;+:yfx¿, ljQ sDkgL ;+3, sfg"gL ;Nnfxsf/, n]vfk/LIfs, ljQLo ;+:yfsf ;Dk"0f{ z]o/wgL dxfg'efjx¿af6 kfPsf] ljZjf; / ;xof]usf nflu xflb{s wGojfb 1fkg ub}{ ;~rfns ;ldltsf ;+rfnsHo"x?af6 o; ljQLo ;+:yfsf] k|ultsf] nflu cd"No of]ubfg lbg'ePsf]df xflb{s wGojfb lbG5' . ;fy}, cfkm\gf] st{Jokydf /xL OdfGbf/L / nugzLntf k"j{s sfo{ub}{ sf7df8f} kmfOgfG; lnld6]8nfO{ cfhsf] cj:yfdf NofO{ k'¥ofpg dxTjk"0f{ e"ldsf lgjf{x ug]{;d:t sd{rf/Lju{nfO{ xflb{s wGojfb lbg rfxG5' .
wGojfb . dx]Gb| nfn /fO{
cWoIfcWoIfcWoIfcWoIf @)&!÷)*÷!*
sf7df8f}+ kmfOgfG; lnld6]8KATHMANDU FINANCE LIMITED
aL;f}+ jflif{s k|ltj]bg–@)&)÷)&!
sf7df8f}+ kmfOgfG; lnld6]8sf]sf]sf]sf] jL;f}+jL;f}+jL;f}+jL;f}+ jflif{s ;fwf/0f;efjflif{s ;fwf/0f;efjflif{s ;fwf/0f;efjflif{s ;fwf/0f;efsf nflu sf nflu sf nflu sf nflu ;~rfns;~rfns;~rfns;~rfns ;ldltsf];ldltsf];ldltsf];ldltsf] k|ltj]bg k|ltj]bg k|ltj]bg k|ltj]bg
cfb/0fLo z]o/wgL dxfg'efjx¿,
sf7df8f+}++ kmfOgfG; lnld6]8sf] jL;f}+ jflif{s ;fwf/0f ;efdf pkl:yt ;Dk"0f{ z]o/wgL dxfg'efjx¿, ljleGg ;+:yfaf6 kfNg' ePsf k|ltlglw, ko{j]Ifs Pj+ cltlyHo"x?nfO{ o; ljQLo ;+:yfsf ;~rfnsx¿ tyf d]/f] tkm{af6 xflb{s :jfut clejfbg ub{5' .
cfhsf] o; ;Ddflgt ;fwf/0f ;efdf d o; ljQLo ;+:yfsf] ;+rfns ;ldltsf] cWoIfsf] x}l;otn] d oxf+x¿ ;dIf cfly{s jif{ @)&)÷@)&! sf] jf;nft, gfkmf gf]S;fg lx;fa tyf gub k|jfx ljj/0f / tt\;DaGwL cg';"rLx?sf ;fy} o; ;+:yfn] cjnDag u/]sf / eljiosf sfo{gLltx? ;d]tsf] ljj/0f ;+rfns ;ldtLsf] tkm{af6 ox+Fx? ;dIf k|:t't ug{ uO{/x]sf]5' . o; cf= j= sf] k|ltj]bg tof/ ubf{ ut jif{;DkGg pGgfO;f}+ jflif{s x?af6 JoQm ;NNffx tyf ;'emfjx?nfO{ ;d]t ;Dej eP;Dd ;d]l6Psf] Joxf]/f hfgsf/L u/fpg rfxG5' .
----s_s_s_s_ ljut jif{sf] sf/f]af/sf] l;+xfjnf]sgMljut jif{sf] sf/f]af/sf] l;+xfjnf]sgMljut jif{sf] sf/f]af/sf] l;+xfjnf]sgMljut jif{sf] sf/f]af/sf] l;+xfjnf]sgM
b]zdf sfod c;xh Joj;flos jftfj/0f, ljQLo ;+:yfx?sf] ljrsf] c;dfg / s8f k|lt:kwf{, /fhg}lts cGof]ntf, tyf a}+lsË If]qdf x'g] l56f] l56f] gLltut kl/jt{gx?sf sf/0fn] pBf]u Joj;fo Pj+ ljQLo If]qsf] sf/f]af/df ;d]t c;/ kg{ uPsf]5 . To;sf afjh'b cl3Nnf] cf=j=sf] t'ngfdf ;ldIff cjwLdf ;+:yfn] pNn]Vo ?kdf d'gfkmf a9fpg ;kmn ePsf]5 . ;ldIff cjwLdf o; ;+:yfsf] lgIf]k #^ k|ltztn]a9]/ ?= %^ s/f]8 @! Nffv k'u]sf]] 5 eg] shf{ tkm{ @ k|ltztn] sdL x'g uO{ ?= $% s/f]8 @( nfv /x]sf]5 . lgIf]k ljljlws/0f tkm{ ;hu /xL s"n lgIf]ksf () k|ltzt JolQmut lgIf]k tyf !) k|ltzt ;+:yfut lgIf]k /x]sf]5 . ;+:yfn] shf{ ;fk6nfO{ ljljlws/0f u/L nufgL ug'{sf] cnfjf ;+:yfut nufgLnfO{ ;d]t ;Defjgfsf] ?kdf cl3 a9fPsf]5 . ;ldIff cjwLdf s"n nufgL !# k|ltztn] a9]/ ?= % s/f]8 #$ nfv k'u]sf]5 . o; ;+:yfsf] sf/f]af/ tyf d'gfkmf b'j} j[l4 ub}{ n}hfg] tkm{ ;+rfns ;ldlt lg/Gt/ ?kdf sfo{/t /x]sf] Joxf]/f oxfFx?nfO{ ljZjf; lbnfpg rfxG5' .
o; ljQLo ;+:yfn] ljut jif{df u/]sf] sf/f]af/sf] ljQLo emns tn n]lvP cg';f/ /x]sf] 5 . -?= xhf/df_
ljj/0f cf=j=@)^(÷&) cf=j=@)&)÷&! km/s
/sd k|ltztz]o/ k"+hL !*,*^,%& !%,(&,@* @,*(,@( !*=!!g]6jy{ !(,%(,%) @@,&%,%! #,!^,)! !^=!@s'n ;DklQ 62,52,39 81,54,33 19,01,94 30=42 s'n lgIf]k 41,10,95 56,21,67 15,10,72 36=75 s'n shf{ ;fk6 46,22,97 45,29,32 -93,65_ -2=03_ s'n nufgL 4,72,17 5,34,16 61,99 13=13 ;+rfng cfDbfgL 21723 26652 4929 22=69 u}/ ;+rfng cfDbfgL 2661 19090 16429 617=39 ;+rfng vr{ 17005 18737 1732 10=18 v'b d'gfkmf 52,85 1,53,10 1,00,25 189=69
----v_v_v_v_ /fli6«o tyf cGt/f{li6«o kl/l:yltaf6 ljQLo ;+:yfsf] sf/f]af/nfO{ s'g} /fli6«o tyf cGt/f{li6«o kl/l:yltaf6 ljQLo ;+:yfsf] sf/f]af/nfO{ s'g} /fli6«o tyf cGt/f{li6«o kl/l:yltaf6 ljQLo ;+:yfsf] sf/f]af/nfO{ s'g} /fli6«o tyf cGt/f{li6«o kl/l:yltaf6 ljQLo ;+:yfsf] sf/f]af/nfO{ s'g} c;/ k/]sf] eP ;f] sc;/ k/]sf] eP ;f] sc;/ k/]sf] eP ;f] sc;/ k/]sf] eP ;f] s/fM /fM /fM /fM
;ldIff cjlwdf klg ljut cfly{s jif{x?df h:t} Jofkfl/s tyf cf}Bf]lus If]qsf cfly{s ultljlwx? ck]lIft ?kdf a9\g g;s]sf sf/0fn] pTkGg k|lts'n k|efjsf] c;/ o; ;+:yfsf] sf/f]jf/df ;d]t k/]sf]5 . b]zsf] t/n /fhg}lts cj:yfn] ubf{ cfly{s s[ofsnfkx?df k/]sf] gs/fTds c;/ z]o/wgL
sf7df8f}+ kmfOgfG; lnld6]8KATHMANDU FINANCE LIMITED
aL;f}+ jflif{s k|ltj]bg–@)&)÷)&!
dxfg'efjx?nfO{ ljlbt} 5 . ljz]if u/L d'ns'sf] cl:y/ /fhgLlt / sdhf]/ ;'/Iff gLltsf] kl/0ffd :j?k 7"nf kl/of]hgfx? kl/0ffd d"vL ?kdf cl3 a9\g g;Sg' tyf ljB't tyf OGwgsf] cfk"lt{df b]lvPsf];d:ofx?sf] k|efj o; ;+:yfdf ;d]t k|ToIf ?kdf k/]sf] 5 . pTkfbgd'ns If]q tyf pBf]ux?df b]lvPsf]lzlyntfsf sf/0f ;f] If]qdf shf{sf] dfu a9\g ;s]sf] 5}g . To;} u/L g]kfn /fi6« a}s, g]kfn lwtf]kq af]8{ nufotsf lgodgsf/L lgsfox?af6 cgk]lIft ?kdf hf/L x'g] lgb]{zgx?sf sf/0f klg ;+:yfsf]sf/f]af/ k|efljt x'g k'u]sf] 5 . o;sf cltl/Qm o; jif{ a+}s tyf ljQLo If]qdf lg/Gt/ ?kdf clws t/ntfsf] l:ylt Pj+ a}+s tyf ljQLo ;+:yfx? aLr shf{ tyf ;/sf/L C0fkqdf ul/g] nufgLsf nflu c;dfg / ltj| k|lt:kwf{ /xg uof] .
dWok"jL{ b]zx¿sf] /fhg}lts cj:yf, o'/f]kdf b]lvPsf] cfly{s dGbLdf ul/Psf] ;'wf/x¿n] /fi6«sf] cfly{sultljlwx¿df vf;} c;/ k/]sf] gb]lvP klg g]kfnsf] ef/t;+u /x]sf] rfn" k"+hL 3f6fsf] dfqf lbg k|lt lbg jl9/xgfn] a}b]lzs /f]huf/sf] dfWodaf6 b]zdf lelqPsf] d"Nojfg ljb]zL d'b|f ;fdfg cfoft ug{ljb]z tkm{ g} lkmtf{ uO/x]sf] 5 . b]zsf] /fhgLlts clglZrttfsf] sf/0f pTkfbglzn If]qdf ck]lIft?kdf nufgL a9\g g;Sbf ljQLo If]qdf t/ntf j[l4 x'guO{ art kl/rfng ug{ cem sl7gfO{sf] ;fdgf ug'{k/]sf]5 . o:tf] kl/l:yltsf] afah'b ;+:yfsf] lgIf]k ;+sng, shf{ nufgL tyf c;'nL nufotsf sfo{af6 ;+:yf d'gfkmfdf ;+rfng eO{ sf/f]jf/ ;+tf]ifk|b /x]sf] Aoxf]/f ox+Fx?nfO{ cjut u/fpg rfxG5' . ;fy}cuffdL lbgx?df klg ljQLo If]qdf cfkm\gf] :yfg ;/lIft /fVg ;+:yf ;kmn xg] s/fdf oxf+x?nfO{ljZj:t u/fpg rfxG5 .
----u_u_u_u_ k|ltj]bg tof/ ePsf]k|ltj]bg tof/ ePsf]k|ltj]bg tof/ ePsf]k|ltj]bg tof/ ePsf] ldlt;Dd rfn" jif{sf] pknlAw / eljiodf ug'{kg]{ s'/fsf] ;DaGwdf ;~rfns ldlt;Dd rfn" jif{sf] pknlAw / eljiodf ug'{kg]{ s'/fsf] ;DaGwdf ;~rfns ldlt;Dd rfn" jif{sf] pknlAw / eljiodf ug'{kg]{ s'/fsf] ;DaGwdf ;~rfns ldlt;Dd rfn" jif{sf] pknlAw / eljiodf ug'{kg]{ s'/fsf] ;DaGwdf ;~rfns ;ldltsf] wf/0ffM;ldltsf] wf/0ffM;ldltsf] wf/0ffM;ldltsf] wf/0ffM
rfn'jif{ tyf ut cfly{s jif{sf] cflZjg d;fGt;Ddsf] t'ngfTds ljQLo ljj/0f lgDgfg';f/ /x]sf]5 .-?=xhf/df_
ljj/0f @)&) cflZjg d;fGt @)&! cflZjg d;fGt km/s k|ltztz]o/ k"+hL !%,$^,^@ !*,#^,%& !*=&$s'n lgIf]k $&,(#,*$ ^(,^@,*^ $%=@$s'n shf{ $#,@(,#& %^,&$,)) #!=)%s'n nufgL $,^#,#$ ^,(%,)! %)=))gfkmf÷Gff]S;fg -s/ tyf Joj:yf cl3sf]_
-%#,*)_ -^),()_ !#=!(
k|ltj]bg tof/ ubf{;Ddsf] ljQLo l:yltnfO{ ljZn]if0f u/L cfufdL lbgdf ljQLo ;+:yfsf] sf/f]jf/ j[l4 u/L pRr d'gfkmf xfl;n ug{ cfufdL lbgx?df lgDg adf]lhdsf yk ;]jf tyf ;'ljwfx?nfO{ k|efjsf/L ?kdf pknJw u/fOg]5 .
a}+lsa}+lsa}+lsa}+lsËËËË ;]jf ;'ljwfM;]jf ;'ljwfM;]jf ;'ljwfM;]jf ;'ljwfM ;+:yfn] ljleGg JolQm tyf ;+:yfx?nfO{ nlIft u/L ljleGg art tyf shf{ of]hgfx? ;+rfng u/L cfPsf] 5, h;nfO{ cem k|efjsf/L ?kn] ;do ;fk] art tyf shf{ of]hgfx? cjnDag ug'{sf ;fy} cfw'lgs ;]jf tyf ;'ljwfx? yk ub}{ nlug] Joxf]/f cjut u/fpg rfxG5' . cfufdL lbgx?df s[lif shf{, ;fgf tyf demf}nf Joj;fo shf{df ljz]if hf]8 lbOg]5 . lgIf]k tyf shf{
u ;Demf}tf u/L b'O{ nfv ;Ddsf] JolQmut lgIf]k /sdnfO{ jLdf ug]{ ul/Psf] 5 .
ljk|]zg sf/f]af/Mljk|]zg sf/f]af/Mljk|]zg sf/f]af/Mljk|]zg sf/f]af/M b]zsf] cfly{s d]?b08sf] ?kdf /x]sf] /]ld6]G; sf/f]jf/ o; ;+:yfn] klg ub}{ cfPsf] 5 . rfn' jif{@)&!.)&@ df k|e' /]ld6sf] ;]jf z'? eO{ ;s]sf] 5 eg] cfOPdO{ ;u ;Demf}tfsf] k|lqmof cufl8 a9fOPsf] 5 .
Zffvf ;+hfnMZffvf ;+hfnMZffvf ;+hfnMZffvf ;+hfnM o; ;+:yfsf] xfn ;Dd s'g} klg zfvf sfo{fnox? g/x]sf] sf/0f To;sf] k|ToIf c;/ sf/f]jf/df k|ltljlDjt eO/x]sf] 5 . cljl5Gg sfn ;Dd zfvf/lxt ?kdf a}+lsË Joj;fo ;+rfng x'g g;Sg]tyf Joj;fosf] cfsf/ j[l4 gu/L sf/f]jf/ j[l4 gx'g] tyf nfut ;d]t sd ug{ g;lsg] x'cfjZos :yfgdf zfvf vf]Ng ckl/xfo{ /x]sf] 5 . u|fxsx?sf] dfu tyf sf/f]af/nfO{ dWo gh/ /fvL rfn' jif{ b]zsf ljleGg :yfgx?df zfvf lj:tf/ ug]{ of]hgf ltj| ?kdf cufl8 a9fOg]5 .
sf7df8f}+ kmfOgfG; lnld6]8KATHMANDU FINANCE LIMITED
aL;f}+ jflif{s k|ltj]bg–@)&)÷)&!
xsk|b z]o/xsk|b z]o/xsk|b z]o/xsk|b z]o/MMMMsDkgLsf] pGgfO;f}+ aflif{s ;fwf/0f ;efn] kfl/t u/]sf] % a/fa/ ! xsk|b z]o/ lgisfzg af+sL /x]sf]df pQm xsk|b z]o/sf] ;6\6fdf k|:tfljt * k|ltzt af]gz z]o/ hf/L eO{ sfod x'g]a/fa/ ! xsk|b z]o/ lgisfzg ug{sf] lgldQ k|:tfj k]z ul/Psf] 5 .
;+:yfn] k|of]u ub}{ cfPsf] k'/fgf] e;{gsf] ePsf] / ;f]af6 cfw'lgs a}lsË ;]jf ;+u tfnd]n u/fpg g;lsg] x'bf gsf] vl/b k|lqmof cufl8 a9fOPsf] 5 .
k|ljlwsf] fxsx?sf] dfu tyf rfxgfdf kl/jt{g x'g] tyf cGo a}+s tyf ljQLo ;+:yfx?n]cTofw'lgs ;]jfx? ;+rfngdf NofO{ ;s]sf] x'bf ;f]xL cg'?k o; ;+:yfsf] ;]jfnfO{ klg cTofw'lgs agfO{ rfn' cf= j= b]lv cjnDjg ul/g]5 .
;]jfM;]jfM;]jfM;]jfMSCT g]6\js{df cfwfl/t ATM sf8{sf] lglDt cfjZos k|lqmof cufl8 a9fO{ ;lsPsf]5 .
u|fxsn] cfkm\gf] sf/f]jf/x? 6f9} al; computer sf] dfWod4f/f lg/LIf0f ug]{ Joj:yf ldnfpg E-Banking ;]jf pknJw u/fOg]5 .
u|fxsx?sf] dfu tyf cfjZostfnfO{ dWogh/ u/L Mobilie af6 sf/f]jf/ ug{ ldNg] ;Ddsf];'ljwf pknAw u/fOg]5 .
u|fxsx?sf] ;'ljwfnfO{ dWogh/ u/L kfgL, alQ, 6]lnkmf]g cflbsf] e'QmfgL Joj:yf o; ;+:yfn];'?jft ug]{5 .
;+usf] cfj4tfM;+usf] cfj4tfM;+usf] cfj4tfM;+usf] cfj4tfMRffn' cf= j= df o; ;+:yfsf] z]o/nfO{ s]Gb|Lo lgIf]k k|0ffnL CDS df cfj4 ul/g]5 .
s'g} klg ;+:yf ;dfh b]lv leGg gx'g] x' :yfn] klg ljleGg ;fdflhs pQ/ bfloTjsf] sfo{x?cufl8 a9fpb} n}hfg]5 .
- ljQLo ;+:yfsf] cf}Bf]lus jf Jofj;flos ;DaGwMljQLo ;+:yfsf] cf}Bf]lus jf Jofj;flos ;DaGwMljQLo ;+:yfsf] cf}Bf]lus jf Jofj;flos ;DaGwMljQLo ;+:yfsf] cf}Bf]lus jf Jofj;flos ;DaGwM
s'g} klg ;+:yfsf] ;DkGgtf ;f] ;:yf / u|fxsx?sf] ;'dw'/ ;DaGwdf emlNsg] ub{5 . ;+:yf ;+u ;DalGwt cGo Joj;flos tyf k|zf;lgs lgsfox? ;+usf] ;f} ;DaGw /xb} cfPsf] 5 . To:t} ljleGg a}+s tyf ljQLo ;+:yfx? ;+usf] Joj;flos / cfk;L ;DaGwn] ;d]t ;+:yfsf] pknlJwdf k|d'v xft /x]sf]x' 0f{ kIfx? ;+u ;f} ;DaGw cem Jofks sfod /xg]5 eGg] s'/fdf ljZj:t 5' .
;~rfns ;ldltdf ePsf] x]/km]/ / ;f]sf] sf/0fM ;~rfns ;ldltdf ePsf] x]/km]/ / ;f]sf] sf/0fM ;~rfns ;ldltdf ePsf] x]/km]/ / ;f]sf] sf/0fM ;~rfns ;ldltdf ePsf] x]/km]/ / ;f]sf] sf/0fM
;+:yfsf] ;+:yfks ;d'x tkm{af6 ;+rfns ;ldltdf k|ltlglw ug'{x'g] cWoIf >L clDjsf df]xg hf]zL, ;b:ox? >L bfdf]b/ k|;fb /]UdL / ;+rfns >L lg/h?b| sdf{rfo{n]] lbg' ePsf] /flhgfdf :jLs[t eO{ l/Qm :yfgdf >L dx]Gb| nfn /fO{, >L k|]d axfb'/ vfk'Ë / >L ofbj rGb /fO{nFO{ af+sL cjlwsf] nflu gof+;+rfnsdf lgo'QmL ul/Psf] 5 . ;+rfns ;ldltsf] cWoIF kbdf af+sL cjlwsf] nflu dx]Gb| nfn /fO{nfO{dgf]gog ul/Psf]5 .
sf7df8f}+ kmfOgfG; lnld6]8KATHMANDU FINANCE LIMITED
aL;f}+ jflif{s k|ltj]bg–@)&)÷)&!
tTsflng ;+rfnsx?n] JolQmut ?kdf ;+rfns ;ldltaf6 /flhgfdf lbg' ePsf] ePtf klg ;+:yfsf]rf}tl{k{m k|ultsf] vflt/ Joj:yfkg kl/jt{gsf] lglDt af6f] v'Nnf ug'{ ePsf] xf] . ;fy} pxf+x?n] ;+:yfnfO{lbg' ePsf] of]ubfg k|lt ;+:yf ;w} s[t£g /xg]5 .
----r_r_r_r_ ssssf/f]af/nfO{ c;/ kfg]{ d'Vo s'/fx¿Mf/f]af/nfO{ c;/ kfg]{ d'Vo s'/fx¿Mf/f]af/nfO{ c;/ kfg]{ d'Vo s'/fx¿Mf/f]af/nfO{ c;/ kfg]{ d'Vo s'/fx¿M
!_ b]zsf] cfly{s tyf df}lb|s gLltsf] sf/0fn] x'g] hf]lvd . @_ k+hL ahf/sf] ptf/r9fjaf6 x'g] hf]lvd . #_ d'n'ssf] cl:y/ /fhgLltaf6 cfly{s ljsf;df k/]sf] c;/af6 x'g] hf]lvd . $_ Aofhb/ kl/jt{gaf6 x'g] hf]lvd . %_ lgodg lgsfox¿n] ug]{ gLltlgb]{zg kl/jt{gsf] c;/af6 x'g] hf]lvd . +̂_ nufgLsf If]qx¿df /x]sf] c;'/Iffsf sf/0f ljQLo sf/f]af/df Nofpg] ;+s'rgn] ug]{ c;/sf] hf]lvd.
&_ ;dodf shf{ tyf nufgL c;'n pk/ ug{ g;Sgfn] x'g] hf]lvd . *_ cGt/f{li6«o If]qdf x'g] ljleGg ultljlwn] b]zdf kg]{ c;/sf] hf]lvd .
----5_5_5_5_ n]vfk/LIf0f k|ltj]bgdf s'g} s}lkmot pNn]v ePsf] eP ;f] pk/ ;~rfns ;ldltsf] k|ltlqmofMn]vfk/LIf0f k|ltj]bgdf s'g} s}lkmot pNn]v ePsf] eP ;f] pk/ ;~rfns ;ldltsf] k|ltlqmofMn]vfk/LIf0f k|ltj]bgdf s'g} s}lkmot pNn]v ePsf] eP ;f] pk/ ;~rfns ;ldltsf] k|ltlqmofMn]vfk/LIf0f k|ltj]bgdf s'g} s}lkmot pNn]v ePsf] eP ;f] pk/ ;~rfns ;ldltsf] k|ltlqmofM k|:t't cf= j= df n]vfk/LIf0f ug{ >L Zofd sfsL{ P08 sDkgL lgo'Qm ul/Psf] lyof] . n]vfk/LIfsaf6 k|fKt k|ltj]bgdf pNn]lvt s}lkmotx? pk/ s'g} k|ltlqmof hgfpg' kg]{ cfjZostf g/x]sf] Joxf]/f hfgsf/L u/fpg rfxG5' .
----h_h_h_h_ nfef+z aFnfef+z aFnfef+z aFnfef+z 8kmF8kmF l;kmfl/; ul/Psf] /sdM8 ug{ l;kmfl/; ul/Psf] /sdM8 ug{ l;kmfl/; ul/Psf] /sdM8 ug{ l;kmfl/; ul/Psf] /sdM
ldlt @)&!÷)^÷)( ut] a;]sf] ;+rfns ;ldltsf] @&$cf}+ a}7sn] z]o/wgLx?nfO{ g]kfn /fi6sa}+ssf] :jLs[tL lnO{ * k|ltztsf b/n] af]g; z]nfef+z ts/ k|of]hgfy{_ ljt/0f ug{ z]o/wgLx? ;dIf l;kmfl/z ug]{ lg0f{o u/]sf] x+bf oxf+x?af6 ;f] sf] ;dy{g xg]5 eGg] ljZjf; lnPsf] 5 .
----em_em_em_em_ z]o/wgLx¿n] a'lemlng af+sL /x]sf] nfef+zM z]o/wgLx¿n] a'lemlng af+sL /x]sf] nfef+zM z]o/wgLx¿n] a'lemlng af+sL /x]sf] nfef+zM z]o/wgLx¿n] a'lemlng af+sL /x]sf] nfef+zM Zf]o/wgLx¿n] a' sL /x]sf] nfef+z ?= ^,!!,($%.)) -5 nfv P3f/ xhf/ gf};o k}/x]sf] 5 .
----`_`_`_`_ n]vfk/LIfssf] lgo'lStsf] l;kmfl/;Mn]vfk/LIfssf] lgo'lStsf] l;kmfl/;Mn]vfk/LIfssf] lgo'lStsf] l;kmfl/;Mn]vfk/LIfssf] lgo'lStsf] l;kmfl/;M jt{dfg n]vfk/LIfs l;=P=>L Zofd sfsL{nfO{ -Zofd sfsL{ P08 s+DkgL_ k'gM cfufdL cf=j=@)&!.@)&@ sf] lx;fa lstfa n]vfk/LIf0f sfo{ ;DkGg ug{ n]vfk/LIf0f ;ldltsf] l;kmfl/; adf]lhd j}wflgs n]vfk/LIfs - _ lgo'lSt ug{ tyf lghsf] kL cl; xhf/_ Eof6afx]s lbg u/]sf] lg0f{o kfl/t ul/lbg'x'g cg'/f]w ul/Psf] 5 .
----6_6_6_6_ z]o/ hkmt ePsf] eP z]o/ ;+Vof, To:tf] z]oz]o/ hkmt ePsf] eP z]o/ ;+Vof, To:tf] z]oz]o/ hkmt ePsf] eP z]o/ ;+Vof, To:tf] z]oz]o/ hkmt ePsf] eP z]o/ ;+Vof, To:tf] z]o/sf] c+lst d"No, To:tf] z]o/ hkmt x'g'eGbf cufj}/sf] c+lst d"No, To:tf] z]o/ hkmt x'g'eGbf cufj}/sf] c+lst d"No, To:tf] z]o/ hkmt x'g'eGbf cufj}/sf] c+lst d"No, To:tf] z]o/ hkmt x'g'eGbf cufj};f]afkt ljQLo ;+:yfn] k|fKt u/]sf] hDdf /sd / To:tf] z]o/ hkmt ePkl5 ;f] z]o/ laqmL u/L ljQLo ;f]afkt ljQLo ;+:yfn] k|fKt u/]sf] hDdf /sd / To:tf] z]o/ hkmt ePkl5 ;f] z]o/ laqmL u/L ljQLo ;f]afkt ljQLo ;+:yfn] k|fKt u/]sf] hDdf /sd / To:tf] z]o/ hkmt ePkl5 ;f] z]o/ laqmL u/L ljQLo ;f]afkt ljQLo ;+:yfn] k|fKt u/]sf] hDdf /sd / To:tf] z]o/ hkmt ePkl5 ;f] z]o/ laqmL u/L ljQLo ;+:yfn] k|fKt u/]sf] /sd tyf hkmt ePsf] z]o/afkt /sd lkmtf{ u/]sf] eP ;f]sf] ljj/0fM;+:yfn] k|fKt u/]sf] /sd tyf hkmt ePsf] z]o/afkt /sd lkmtf{ u/]sf] eP ;f]sf] ljj/0fM;+:yfn] k|fKt u/]sf] /sd tyf hkmt ePsf] z]o/afkt /sd lkmtf{ u/]sf] eP ;f]sf] ljj/0fM;+:yfn] k|fKt u/]sf] /sd tyf hkmt ePsf] z]o/afkt /sd lkmtf{ u/]sf] eP ;f]sf] ljj/0fM ljQLo ;+:yfn] o; cfly{s jif{df s'g} klg z]o/ hkmt ul/lnPsf] 5}g .
----7_7_7_7_ ljut cfly{s jif{df ljQLo ;+:yf / o;sf] ;xfos sDkgLsf] sf/f]af/sf] k|ult / ;f] cfly{s jif{sf]ljut cfly{s jif{df ljQLo ;+:yf / o;sf] ;xfos sDkgLsf] sf/f]af/sf] k|ult / ;f] cfly{s jif{sf]ljut cfly{s jif{df ljQLo ;+:yf / o;sf] ;xfos sDkgLsf] sf/f]af/sf] k|ult / ;f] cfly{s jif{sf]ljut cfly{s jif{df ljQLo ;+:yf / o;sf] ;xfos sDkgLsf] sf/f]af/sf] k|ult / ;f] cfly{s jif{sf]cGTodf /x]sf] l:yltsf] k'g/jnf]sgM cGTodf /x]sf] l:yltsf] k'g/jnf]sgM cGTodf /x]sf] l:yltsf] k'g/jnf]sgM cGTodf /x]sf] l:yltsf] k'g/jnf]sgM o; ljQLo ;+:yfsf] ;xfos sDkgL 5}g .
----8_8_8_8_ sDkgL tyf To;sf] ;xfos sDkgLn] cfly{s jifsDkgL tyf To;sf] ;xfos sDkgLn] cfly{s jifsDkgL tyf To;sf] ;xfos sDkgLn] cfly{s jifsDkgL tyf To;sf] ;xfos sDkgLn] cfly{s jif{df ;DkGg u/]sf k|d'v sf/f]af/x¿ / ;f] cjlwdf {df ;DkGg u/]sf k|d'v sf/f]af/x¿ / ;f] cjlwdf {df ;DkGg u/]sf k|d'v sf/f]af/x¿ / ;f] cjlwdf {df ;DkGg u/]sf k|d'v sf/f]af/x¿ / ;f] cjlwdf sDkgLsf] sf/f]af/df cfPsf] s'g} dxTjk"0f{ kl/jt{gM sDkgLsf] sf/f]af/df cfPsf] s'g} dxTjk"0f{ kl/jt{gM sDkgLsf] sf/f]af/df cfPsf] s'g} dxTjk"0f{ kl/jt{gM sDkgLsf] sf/f]af/df cfPsf] s'g} dxTjk"0f{ kl/jt{gM o; ljQLo ;+:yfn] ljQLo If]qdf k|rlnt ljQLo sf/f]af/x¿ ul/cfPsf] 5 . sf/f]af/df dxTjk"0f{ kl/jt{gePsf] 5}g .
sf7df8f}+ kmfOgfG; lnld6]8KATHMANDU FINANCE LIMITED
aL;f}+ jflif{s k|ltj]bg–@)&)÷)&!
----9_9_9_9_ ljut cfly{s jif{df sDkgLsf cfwf/e"t z]o/wgLljut cfly{s jif{df sDkgLsf cfwf/e"t z]o/wgLljut cfly{s jif{df sDkgLsf cfwf/e"t z]o/wgLljut cfly{s jif{df sDkgLsf cfwf/e"t z]o/wgLx¿n] sDkgLnfO{ pknAw u/fPsf] hfgsf/LM x¿n] sDkgLnfO{ pknAw u/fPsf] hfgsf/LM x¿n] sDkgLnfO{ pknAw u/fPsf] hfgsf/LM x¿n] sDkgLnfO{ pknAw u/fPsf] hfgsf/LM sDkgLsf cfwf/e"t z]o/wgLx¿n] sDkgLsf] k|ultsf nflu ljleGg ;dodf pko'Qm ;'emfjx¿ lbb}cfpg'ePsf] 5 .
----0f_0f_0f_0f_ ljut cfly{s jif{df sDkgLsf ;~rfns tyf kbflwsf/Lx¿n] lnPsf] z]o/ :jfldTjsf] ljj/0f / ljut cfly{s jif{df sDkgLsf ;~rfns tyf kbflwsf/Lx¿n] lnPsf] z]o/ :jfldTjsf] ljj/0f / ljut cfly{s jif{df sDkgLsf ;~rfns tyf kbflwsf/Lx¿n] lnPsf] z]o/ :jfldTjsf] ljj/0f / ljut cfly{s jif{df sDkgLsf ;~rfns tyf kbflwsf/Lx¿n] lnPsf] z]o/ :jfldTjsf] ljj/0f / sDkgLsf] z]o/ sf/f]af/df lsDkgLsf] z]o/ sf/f]af/df lsDkgLsf] z]o/ sf/f]af/df lsDkgLsf] z]o/ sf/f]af/df lghx¿ ;+nUg /x]sf] eP ;f];DaGwdf lghx¿af6 sDkgLn] k|fKt u/]sf]ghx¿ ;+nUg /x]sf] eP ;f];DaGwdf lghx¿af6 sDkgLn] k|fKt u/]sf]ghx¿ ;+nUg /x]sf] eP ;f];DaGwdf lghx¿af6 sDkgLn] k|fKt u/]sf]ghx¿ ;+nUg /x]sf] eP ;f];DaGwdf lghx¿af6 sDkgLn] k|fKt u/]sf]hfgsf/LMhfgsf/LMhfgsf/LMhfgsf/LM ljQLo ;+:yfaf6 hf/L ul/Psf] af]g; z]o/ / xsk|b z]o/af6 eGbf afx]s cGo lsl;daf6 ;~rfnsx¿sf] z]o/ :jfldTj ljj/0fdf km/s ePsf] 5}g . ljQLo ;+:yfsf] z]o/ sf/f]af/df ;+rfns tyf kbflwsf/Lx¿sf] ;+nUgtfaf/] hfgsf/L 5}g .qm= ;+=qm= ;+=qm= ;+=qm= ;+= ;+rfns tyf kbflwsf/Lx?sf] gfd;+rfns tyf kbflwsf/Lx?sf] gfd;+rfns tyf kbflwsf/Lx?sf] gfd;+rfns tyf kbflwsf/Lx?sf] gfd kbkbkbkb z]o/ ;+Vofz]o/ ;+Vofz]o/ ;+Vofz]o/ ;+Vof! dx]Gb| nfn /fO{ cWoIf @),$!@@ k|]d axfb'/ vfk'Ë ;b:o (,((## ofbj rGb| /fO{ ;b:o @,!!^$ xl/s[i0f >]i7 ;b:o (^,#&*% /fh uf]ljGb /fhsl0f{sf/ ;b:o &,@!$^ ;'o{w/ t'nfw/ ;b:o @,(!^
----t_t_t_t_ ljut cfly{s jif{df sDkgL;+u ;Da¢ ;Demf}tfx¿df s'g} ;~rfns tyf glhssf] gft]bf/sf] JolQmut ljut cfly{s jif{df sDkgL;+u ;Da¢ ;Demf}tfx¿df s'g} ;~rfns tyf glhssf] gft]bf/sf] JolQmut ljut cfly{s jif{df sDkgL;+u ;Da¢ ;Demf}tfx¿df s'g} ;~rfns tyf glhssf] gft]bf/sf] JolQmut ljut cfly{s jif{df sDkgL;+u ;Da¢ ;Demf}tfx¿df s'g} ;~rfns tyf glhssf] gft]bf/sf] JolQmut :jfy{sf] af/]df pknAw u/fOPsf] hfgsf/Lsf] a]xf]/fM:jfy{sf] af/]df pknAw u/fOPsf] hfgsf/Lsf] a]xf]/fM:jfy{sf] af/]df pknAw u/fOPsf] hfgsf/Lsf] a]xf]/fM:jfy{sf] af/]df pknAw u/fOPsf] hfgsf/Lsf] a]xf]/fM ljQLo ;+:yf;+u ;Da¢ ;Demf}tfx¿df s'g} ;+rfns tyf lghsf] glhs gft]bf/sf] JolQmut :jfy{ af/]df s'g} hfgsf/L k|fKt gePsf] .
----y_y_y_y_ sDkgLn] cfkmsDkgLn] cfkmsDkgLn] cfkmsDkgLn] cfkm\\ \\gf] z]o/ cfkm}n] vl/b u/]sf] eP To;/L cfkmgf] z]o/ cfkm}n] vl/b u/]sf] eP To;/L cfkmgf] z]o/ cfkm}n] vl/b u/]sf] eP To;/L cfkmgf] z]o/ cfkm}n] vl/b u/]sf] eP To;/L cfkm\\ \\gf] z]o/ vl/b ug{'sf] sf/0f, To:tf] z]o/sf]gf] z]o/ vl/b ug{'sf] sf/0f, To:tf] z]o/sf]gf] z]o/ vl/b ug{'sf] sf/0f, To:tf] z]o/sf]gf] z]o/ vl/b ug{'sf] sf/0f, To:tf] z]o/sf];+Vof / c+lst d"No tyf To;/L z]o/ vl/b u/]afkt sDkgLn] e'QmfgL u/]sf] /sdM;+Vof / c+lst d"No tyf To;/L z]o/ vl/b u/]afkt sDkgLn] e'QmfgL u/]sf] /sdM;+Vof / c+lst d"No tyf To;/L z]o/ vl/b u/]afkt sDkgLn] e'QmfgL u/]sf] /sdM;+Vof / c+lst d"No tyf To;/L z]o/ vl/b u/]afkt sDkgLn] e'QmfgL u/]sf] /sdM ljQLo ;+:yfn] cfkm\gf] z]o/ cfkm}n] vl/b u/]sf] 5}g .
----b_b_b_b_ cfGtl/s lgoGq0f k|0ffnL eP jf gePsf] / eP ;f]sf] lj:t[t ljj/0fMcfGtl/s lgoGq0f k|0ffnL eP jf gePsf] / eP ;f]sf] lj:t[t ljj/0fMcfGtl/s lgoGq0f k|0ffnL eP jf gePsf] / eP ;f]sf] lj:t[t ljj/0fMcfGtl/s lgoGq0f k|0ffnL eP jf gePsf] / eP ;f]sf] lj:t[t ljj/0fM ljQLo ;+:yfn] cfGtl/s lgoGq0f k|0ffnLnfO{ ljz]if Wofg lbPsf] 5 eg] ;+:yfsf] gLlt lgodsf] kl/kfng tyf cfGtl/s n]vfk/LIf0f ;DaGwL sfo{ ug{ cfGtl/s n]vfk/LIfs, rf6{8{ PsfpG6]G6 >L vu]Gb|e§/fO{nfO{ -vu]Gb| P08 Pzf]lzo6_ lgo'St u/LcfPsf] / n]vfk/LIfssf] k|ltj]bg adf]lhd ;'wf/ ug{Joj:yfkgnfO{ lgb]{zg lbO{ cfGtl/s lgoGq0f k|0ffnLdf k|efjsfl/tf Nofpg] sfo{ ul/Psf] 5 .
----w_w_w_w_ ljut cfly{s jif{sf] s'n Joj:yfkg vr{sf] ljj/0fMljut cfly{s jif{sf] s'n Joj:yfkg vr{sf] ljj/0fMljut cfly{s jif{sf] s'n Joj:yfkg vr{sf] ljj/0fMljut cfly{s jif{sf] s'n Joj:yfkg vr{sf] ljj/0fM cfly{s jif{ @)&)÷@)&! df ljQLo ;+:yfsf] Joj:yfkg vr{ ?= !,*&,#&,@#*.)) ePsf] 5, h'g cfly{sljj/0fsf] cg';"rL @# / @$ df pNn]v ul/Psf] 5 .
sd{rf/L vr{ *^,)(,@%$.))k|zf;lgs vr{ !,)!,@&,(*$.))s'n Joj:yfkg vr{ !,*&,#&,@#*.))
----g_g_g_g_ n]vfk/LIf0f;ldltsf ;b:ox¿sf] gfdfjnLn]vfk/LIf0f;ldltsf ;b:ox¿sf] gfdfjnLn]vfk/LIf0f;ldltsf ;b:ox¿sf] gfdfjnLn]vfk/LIf0f;ldltsf ;b:ox¿sf] gfdfjnL, lghx¿n] k|fKt u/]sf] kfl/>lds, eQf tyf, lghx¿n] k|fKt u/]sf] kfl/>lds, eQf tyf, lghx¿n] k|fKt u/]sf] kfl/>lds, eQf tyf, lghx¿n] k|fKt u/]sf] kfl/>lds, eQf tyf ;'ljwf, ;f];'ljwf, ;f];'ljwf, ;f];'ljwf, ;f];ldltn] u/]sf] sfdsf/jfxLsf] ljj/0f / ;f] ;ldltn] ;'emfj lbPsf] eP ;f]sf] ljj/0fM;ldltn] u/]sf] sfdsf/jfxLsf] ljj/0f / ;f] ;ldltn] ;'emfj lbPsf] eP ;f]sf] ljj/0fM;ldltn] u/]sf] sfdsf/jfxLsf] ljj/0f / ;f] ;ldltn] ;'emfj lbPsf] eP ;f]sf] ljj/0fM;ldltn] u/]sf] sfdsf/jfxLsf] ljj/0f / ;f] ;ldltn] ;'emfj lbPsf] eP ;f]sf] ljj/0fM
o; cfly{s jif{df n]vfk/LIf0f ;ldltsf] rf/ k6s a}7s a;L n]vfk/LIf0fsf ;Gbe{df b]lvPsf s}lkmotx¿sf] cWoog u/L o;df ;'wf/ Nofpg cfGtl/s lgoGq0f k|0ffnL ;'wf/ ug{ cfjZostfg';f/ Joj:yfkgnfO{ lgb]{zg lbOPsf] lyof] . n]vfk/LIf0f ;ldltsf ;+rfns ;b:onfO{{ dfq ;+rfnsn] kfpg]a/fa/sf] /sd eQf pknAw u/fOPsf] 5 .
n]vfk/LIf0f;ldltsf ;b:ox¿Mn]vfk/LIf0f;ldltsf ;b:ox¿Mn]vfk/LIf0f;ldltsf ;b:ox¿Mn]vfk/LIf0f;ldltsf ;b:ox¿M ;+rfns >L ;"o{w/ t'nfw/ -;+of]hs_ jl/i7 k|aGws >L d's'Gb >]i7 -;b:o_ ;xfos k|jGws >LdtL k|ldnf t08'sf/ -;b:o_
sf7df8f}+ kmfOgfG; lnld6]8KATHMANDU FINANCE LIMITED
aL;f}+ jflif{s k|ltj]bg–@)&)÷)&!
----k_k_k_k_ ;~rfns, k|aGw ;~rfns, sfo{sf/L k|d'v tyf kbflwsf/Lx¿nfO{ e'QmfgL ul/Psf] kfl/>lds, eQf;~rfns, k|aGw ;~rfns, sfo{sf/L k|d'v tyf kbflwsf/Lx¿nfO{ e'QmfgL ul/Psf] kfl/>lds, eQf;~rfns, k|aGw ;~rfns, sfo{sf/L k|d'v tyf kbflwsf/Lx¿nfO{ e'QmfgL ul/Psf] kfl/>lds, eQf;~rfns, k|aGw ;~rfns, sfo{sf/L k|d'v tyf kbflwsf/Lx¿nfO{ e'QmfgL ul/Psf] kfl/>lds, eQf tyf tyf tyftyf ;'ljwfsf] /sdM;'ljwfsf] /sdM;'ljwfsf] /sdM;'ljwfsf] /sdM
;+rfns ;ldlt;+rfns ;ldlt;+rfns ;ldlt;+rfns ;ldlt
;+:yfsf cWoIf tyf ;+rfnsx? ;+rfns ;ldltsf] a}7sdf pkl:yt eP jfkt k|lt a}cGo ;'ljwfdf df]afOn÷6]lnkmf]g ;'ljwf afkt ?=!,)))÷k|lt dlxgf e'QmfgL lbg] ul/Psf]5 . o; cf= j= df ;+:yfsf ;+rfns, k|aGw ;+rfns tyf sfo{sf/L k|d'v / cGo kbflwsf/Lx?nfO{ k|bfg ul/Psf]kfl/>lds, eQf tyf ;'ljwf jfktsf] /sd lgDg adf]lhd /x]sf] 5 .
;+rfns ;ldlt a}k|aGw ;+rfns tyf k|d'v sfo{sf/L clws[tnfO{ k|bfg ul/Psf]cGo kbflwsf/LnfO{ k|bfg ul/Psf]
tnj tyf eQf afx]s k|d'v sfo{sf/L clws[t tyf cGo kbflwsf/Lx?nfO{ ;+:yfsf] sd{rf/L ;]jf ljlgodfnL cg';f/sf] cGo ;'ljwf k|bfg ug]{ ul/Psf] 5 .
----km_km_km_km_ ;~rfns, k|aGw;~rfns, sfo{sf/L k|d'v, sDkgLsf cfwf/e"t z]o/wgL jf lghsf] glhssf gft]bf/ jf ;~rfns, k|aGw;~rfns, sfo{sf/L k|d'v, sDkgLsf cfwf/e"t z]o/wgL jf lghsf] glhssf gft]bf/ jf ;~rfns, k|aGw;~rfns, sfo{sf/L k|d'v, sDkgLsf cfwf/e"t z]o/wgL jf lghsf] glhssf gft]bf/ jf ;~rfns, k|aGw;~rfns, sfo{sf/L k|d'v, sDkgLsf cfwf/e"t z]o/wgL jf lghsf] glhssf gft]bf/ jf lgh ;+nUg /x]sf] kmd{, sDkgL jf ;+ul7t ;+:yfn] ljQLo ;+:yfnfO{ s'glgh ;+nUg /x]sf] kmd{, sDkgL jf ;+ul7t ;+:yfn] ljQLo ;+:yfnfO{ s'glgh ;+nUg /x]sf] kmd{, sDkgL jf ;+ul7t ;+:yfn] ljQLo ;+:yfnfO{ s'glgh ;+nUg /x]sf] kmd{, sDkgL jf ;+ul7t ;+:yfn] ljQLo ;+:yfnfO{ s'g} /sd a'emfpg } /sd a'emfpg } /sd a'emfpg } /sd a'emfpg afafaf s'/fsL eP ;f] s'/fsL eP ;f] s'/fsL eP ;f] s'/fMMMMljQLo ;+:yfsf ;~rfns, k|aGw ;~rfns, sfo{sf/L k|d'v, sDkgLsf cfwf/e"t z]o/wgL jf lghsf]glhssf gft]bf/ jf lgh ;+nUg /x]sf] kmd{, sDkgL jf ;+ul7t ;+:yfn] ljQLo ;+:yfnfO{ s'g} /sd a'emfpg afFsL 5}g .
----a_a_a_a_ sDkgL P]gsf] bkmfsDkgL P]gsf] bkmfsDkgL P]gsf] bkmfsDkgL P]gsf] bkmf !&% adf]lhd ;Da4 !&% adf]lhd ;Da4 !&% adf]lhd ;Da4 !&% adf]lhd ;Da4 sDkgLaLr ePsf] sf/f]af/sf]] ljj/0f MsDkgLaLr ePsf] sf/f]af/sf]] ljj/0f MsDkgLaLr ePsf] sf/f]af/sf]] ljj/0f MsDkgLaLr ePsf] sf/f]af/sf]] ljj/0f M pNn]v ePadf]lhdsf] s'g} sf/f]af/ gePsf] .
----e_ e_ e_e_ sDkgL P]gsf] bkmfsDkgL P]gsf] bkmfsDkgL P]gsf] bkmfsDkgL P]gsf] bkmf !$! adf]lhd ;DklQ vl/b jf laqmL u/]sf] s'/fsf] ljj/0f M!$! adf]lhd ;DklQ vl/b jf laqmL u/]sf] s'/fsf] ljj/0f M!$! adf]lhd ;DklQ vl/b jf laqmL u/]sf] s'/fsf] ljj/0f M!$! adf]lhd ;DklQ vl/b jf laqmL u/]sf] s'/fsf] ljj/0f M o; cf=j=df ;+:yfsf] gfddf /x]sf] sf7df08f} j8f g+= ##, /fw]dfu{ l:yt ls=g+= @*@% sf]If]qkmndf ag]sf] ^#!& :Sjfo/ lkm6sf] kL b'O{ s/f]8 aQL; nfv ?k} _df laqmL ul/Psf] 5 .
----d_ cGo s'/fx¿ M d_ cGo s'/fx¿ M d_ cGo s'/fx¿ M d_ cGo s'/fx¿ M gePsf] .
----o_o_o_o_ wGojfb 1fkgMwGojfb 1fkgMwGojfb 1fkgMwGojfb 1fkgM o; ljQLo ;+:yfnfO{ sfdsf/f]af/sf] l;nl;nfdf cfjZos ;xof]u ug]{ ;d:t u|fxsju{, lgIf]kstf{x¿, sDkgL /lhi6«f/sf] sfof{no, g]kfn /fi6« a}+s, lwtf]kq af]8{, g]kfn :6s PS:r]~h lnld6]8, cGo a}+sx¿, ljQLo ;+:yfx¿, ljQ sDkgL ;+3, sfg"gL ;Nnfxsf/ l3ld/] P08 sDkgL kl/jf/ Pj+ jl/i7 clwjQmf >L sf]dnk|sfz l3ld/] Ho", n]vfk/LIfs rf6{8{ PsfpG6]G6 l;=P= >L Zofd sfsL{ Ho" tyf Zofd sfsL{ P08 sDkgL kl/jf/ To:t} cfGtl/s n]vfkl/Ifs >L vu]Gb| e6\6/fO{ Ho" tyf vu]Gb| P08 Pzf]l;o6\;kl/jf/nfO{ s[t1tf 1fkg ub}{ wGojfb lbg rfxG5' . ;fy} xfn;Dd ljQLo ;+:yfsf ;Dk"0f{ z]o/wgL dxfg'efjx¿af6 kfPsf] ljZjf; / ;xof]usf nflu xflb{s wGojfb 1fkg ub}{ eljiodf klg o:t} k|sf/sf];b\efjgf, ljZjf;, ;xof]u / ;'emfj kfpg] cfzf /fv]sf] 5' .
cGTodf, ;~rfns;ldltsf ;+rfns Ho"x?af6 o; ljQLo ;+:yfsf] k|ultsf] nflu cd"No of]ubfg lbg'ePsf]df xflb{s wGojfb lbG5' . ;fy} cfkm\gf] st{Jokydf /xL OdfGbf/L / nugzLntfk"j{s sfo{ ub}{sf7df8f} kmfOgfG; lnld6]8nfO{ cfhsf] cj:yfdf NofOk'¥ofpgsf nflu dxTjk"0f{ e"ldsf lgjf{x ug]{;d:t sd{rf/Lju{nfO{ xflb{s wGojfb lbG5' .
wGojfb . ;~rfns ;ldltsf] tkm{af6
xl/ s[i0f >]i7;~rfns;~rfns;~rfns;~rfns
dx]Gb| nfn /fO{cWoIfcWoIfcWoIfcWoIf
@)&!÷)*. !*
sf7df8f}+ kmfOgfG; lnld6]8KATHMANDU FINANCE LIMITED
aL;f}+ jflif{s k|ltj]bg–@)&)÷)&!
sf7df8f}+ kmfOgfG; lnld6]8KATHMANDU FINANCE LIMITED
aL;f}+ jflif{s k|ltj]bg–@)&)÷)&!
sf7df08f} kmfOgfG; lnld6]8
jf;nft
188,657,800 159,728,730 4=2 38,893,245 36,221,849
- -- -
562,166,940 411,095,199 - -
716,016 --
24,999,081 18,193,635 815,433,082 815,433,082 815,433,082 815,433,082 625,239,413 625,239,413 625,239,413 625,239,413
gub df}Hbft 4,715,883 4,644,549 40,117,480 29,854,124
a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft 3,696,278 1,259,971 dfu tyf cNk;"rgfdf k|fKtx'g] /sd 257,982,500 68,107,989 nufgL 4=12 53,012,239 46,813,320
438,604,644 451,658,726 l:y/ ;DklQ 4,723,756 14,876,996
- -cGo ;DklQ 12,580,302 8,023,738
s'n ;DklQs'n ;DklQs'n ;DklQs'n ;DklQ 815,433,082 815,433,082 815,433,082 815,433,082 625,239,413 625,239,413 625,239,413 625,239,413
sf7df8f}+ kmfOgfG; lnld6]8KATHMANDU FINANCE LIMITED
aL;f}+ jflif{s k|ltj]bg–@)&)÷)&!
sf7df08f} kmfOgfG; lnld6]8
gfkmf gf]S;fg lx;fa
71,293,710 71,128,512 51,217,590 54,913,326 20,076,120 16,215,186
4=20 254,215 137,188 4=21 6,321,767 5,371,095 4=22 - -
26,652,102 21,723,469 4=23 8,609,254 6,882,978 4=24 10,127,984 10,122,438 4=22 - -
7,914,864 4,718,052 4=25 7,696,666 1,389,327
218,198 3,328,725 4=26 19,090,992 2,661,112 4=27 4,718,380 4,180,873
24,027,569 10,170,710 4=28 - (376,177)
24,027,569 24,027,569 24,027,569 24,027,569 9,794,533 9,794,533 9,794,533 9,794,533 2,184,324 890,412 6,532,852 3,618,794
o; jif{sf] s/ Joj:yf 6,350,554 2,912,813 ljut jif{;Ddsf] s/ Joj:yf 44,809 895,399 o; jif{sf] :yug s/ cfDbfgL .-vr{_ 137,489 (189,418)
15,310,393 15,310,393 15,310,393 15,310,393 5,285,327 5,285,327 5,285,327 5,285,327
sf7df8f}+ kmfOgfG; lnld6]8KATHMANDU FINANCE LIMITED
aL;f}+ jflif{s k|ltj]bg–@)&)÷)&!
sf7df08f} kmfOgfG; lnld6]8
gfkmf gf]S;fg afF8kmfF8 lx;fa
cfDbfgLcfDbfgLcfDbfgLcfDbfgL
ut jif{ ;Ddsf] ;+lrt d'gfkmf 4,108,329 109,241
o; jif{sf] d'gfkmf 15,310,393 5,285,327
;6xL 36j9 sf]if - -
hDdfhDdfhDdfhDdf 19,418,722 19,418,722 19,418,722 19,418,722 5,394,568 5,394,568 5,394,568 5,394,568
vr{vr{vr{vr{
ut jif{ ;Ddsf] ;+lrt gf]S;fg - -
o; jif{sf] gf]S;fg - -
;fwf/0f hu]8f sf]if 3,062,079 1,057,065
e}k/L cfpg] hu]8f - -
;+:yf ljsf; sf]if - -
nfef+z ;dLs/0f sf]if - -
sd{rf/L ;DaGwL hu]8fx? - -
k|:tfljt nfef+z 716,016 -
k|:tfljt af]gz z]o/ 13,604,300 -
ljz]if hu]8f sf]if - -
;6xL 36j9 sf]if - -
hL lkmtf{ hu]8f sf]if - -
hL ;dfof]hg sf]if - -
:yug s/ hu]8f sf]if (137,489) 189,418
nufgL ;dfof]hg sf]if 935,395 39,756 18,180,301 18,180,301 18,180,301 18,180,301 1,286,239 1,286,239 1,286,239 1,286,239 1,238,421 1,238,421 1,238,421 1,238,421 4,108,329 4,108,329 4,108,329 4,108,329
sf7df8f}+ kmfOgfG; lnld6]8KATHMANDU FINANCE LIMITED
aL;f}+ jflif{s k|ltj]bg–@)&)÷)&!
sf7df08f} kmfOgfG; lnld6]8
gub k|jfx ljj/0f
(24,595,685)(24,595,685)(24,595,685)(24,595,685) (46,059,986)(46,059,986)(46,059,986)(46,059,986)78,658,514 78,658,514 78,658,514 78,658,514 77,470,468 77,470,468 77,470,468 77,470,468 71,250,882 70,902,185
254,215 137,188 - -- 100,000
7,153,417 6,331,095 70,263,737 70,263,737 70,263,737 70,263,737 76,183,142 76,183,142 76,183,142 76,183,142 47,367,036 54,913,326 7,311,799 6,605,051 8,423,561 8,132,911 6,270,930 4,254,699 890,412 2,277,155
8,394,777 8,394,777 8,394,777 8,394,777 1,287,326 1,287,326 1,287,326 1,287,326 (185,633,025)(185,633,025)(185,633,025)(185,633,025) 16,497,735 16,497,735 16,497,735 16,497,735 (189,874,511) 183,818,841
- -9,364,544 (136,221,429)(5,123,057) (31,099,677)
152,642,563 152,642,563 152,642,563 152,642,563 (63,845,047)(63,845,047)(63,845,047)(63,845,047)151,071,741 (65,605,604)
- -- -
1,570,822 1,760,557 22,537,959 22,537,959 22,537,959 22,537,959 1,1,1,1,418,218 418,218 418,218 418,218 (4,517,600) 77,135 22,692,449 (319,261)
42,828 226,327 113,772 70,806
4,206,510 1,363,211 14,828,725 14,828,725 14,828,725 14,828,725 (6,198,672)(6,198,672)(6,198,672)(6,198,672)
- -15,324,770 5,066,330 (496,045) (11,265,002)
- ----- ----
12,770,998 12,770,998 12,770,998 12,770,998 (50,840,440)(50,840,440)(50,840,440)(50,840,440)35,758,645 35,758,645 35,758,645 35,758,645 86,599,085 86,599,085 86,599,085 86,599,085 48,529,643 48,529,643 48,529,643 48,529,643 35,758,645 35,758,645 35,758,645 35,758,645
sf7df8f}+ kmfOgfG; lnld6]8KATHMANDU FINANCE LIMITED
aL;f}+ jflif{s k|ltj]bg–@)&)÷)&!
sf7df08f}kmfOg
fG;lnld6]8
OlSj6Ldfc
fPsf]kl/jt{g;DalGwljj/0f
z'?Dff}Hbft
159,728,730
-4,108,329
30,795,580
-216,992
-478,402
622,546
195,950,579
:yugs/
--
--
--
--
;dfof]lhtz'?Dff}Hbft
;dfof]lhtz'?Dff}Hbft
;dfof]lhtz'?Dff}Hbft
;dfof]lhtz'?Dff}Hbft
159,728,730
159,728,730
159,728,730
159,728,730
- ---4,108,329
4,108,329
4,108,329
4,108,329
30,795,580
30,795,580
30,795,580
30,795,580
- ---216,992
216,992
216,992
216,992
- ---478,402
478,402
478,402
478,402
622,546
622,546
622,546
622,546
195,950,579
195,950,579
195,950,579
195,950,579
;dfof]hg
;dfof]hg
;dfof]hg
;dfof]hg
z]o/k'hLlgisfifg
-xsk|b_
10,324,770
--
--
--
--
10,324,770
snOgP8efG;
5,000,000
--
--
--
--
5,000,000
o;jif{sf]v'bgfkmf
--
15,310,393
--
--
--
15,310,393
;fwf/0fhu]8fsf]ifdf
ul/Psf]/sdfGt/
--
(3,062,079)
3,062,079
--
--
--
:yugs/;dfof]hg
137,489
(137,489)
-af]gzz]o/k|:tfljt
-13,604,300
(13,604,300)
--
--
--
-gubnfefzk|:tfljt+
--
(716,016)
--
--
--
(716,016)
k"+hLldnfgsf]if
--
--
--
--
--
nufgL;dfof]hgsf]if
--
(935,395)
--
--
-2,616,714
1,681,319
175,053,500
175,053,500
175,053,500
175,053,50013,604,300
13,604,300
13,604,300
13,604,300
1,238,421
1,238,421
1,238,421
1,238,421
33,857,659
33,857,659
33,857,659
33,857,659
- ---216,992
216,992
216,992
216,992
- ---340,913
340,913
340,913
340,913
3,239,260
3,239,260
3,239,260
3,239,260
227,551,045
227,551,045
227,551,045
227,551,045
sf7df8f}+ kmfOgfG; lnld6]8KATHMANDU FINANCE LIMITED
aL;f}+ jflif{s k|ltj]bg–@)&)÷)&!
sf7df08f} kmfOgfG; lnld6]8z]o/ k"FhL tyf :jfldTj
24,00,00,00024,00,00,00024,00,00,00024,00,00,000 24,00,00,00024,00,00,00024,00,00,00024,00,00,000s_ @$,)),))) lsQf ;fwf/0f z]o/ k|lt z]o/ ?= !)) n]] 240,000,000 240,000,000 v_ =========== gg\l/l8d]an lk|km/]G; z]o/ ?= n] - -u_ ============ l/l8d]an lk|km/]G; z]o/ ?= n] - -
17,00,53,50017,00,53,50017,00,53,50017,00,53,500 15,46,62,40015,46,62,40015,46,62,40015,46,62,400s_ !&,)),%#% lsQf ;fwf/0f z]o/ k|lt z]o/ ?= !)) n]] 170,053,500 154,662,400 v_ ============ gg\l/l8d]an lk|km/]G; z]o/ ?= n] - -u_ ============ l/l8d]an lk|km/]G; z]o/ ?= n] - -
170,053,500 170,053,500 170,053,500 170,053,500 154,662,400 154,662,400 154,662,400 154,662,400 170,053,500 154,662,400
v_ ============ gg\l/l8d]an lk|km/]G; z]o/ ?= n] - -u_ ============= l/l8d]an lk|km/]G; z]o/ ?= n] - -
13,604,300 -5,000,000 5,066,330
+ + 188,657,800 188,657,800 188,657,800 188,657,800 159,728,730 159,728,730 159,728,730 159,728,730
z]o/ k"FhL tyf :jfldTj
100 100 100100 188,657,800 188,657,800 188,657,800 188,657,800 159,728,730 159,728,730 159,728,730 159,728,730 100100100100- - -- - -- - -
5.98 11,280,384 9,728,300 694.02 177,377,416 150,000,430 94
- - ----- ---- ----
100 100 100100 188,657,800 188,657,800 188,657,800 188,657,800 159,728,730 159,728,730 159,728,730 159,728,730 100100100100
sf7df8f}+ kmfOgfG; lnld6]8KATHMANDU FINANCE LIMITED
aL;f}+ jflif{s k|ltj]bg–@)&)÷)&!
sf7df08f} kmfOgfG; lnld6]8)=% k|ltzt eGbf a9L z]o/ wf/0f ug]{ z]o/ wlgx?sf ljj/0f
sf7df8f}+ kmfOgfG; lnld6]8KATHMANDU FINANCE LIMITED
aL;f}+ jflif{s k|ltj]bg–@)&)÷)&!
sf7df08f} kmfOgfG; lnld6]8hu]8f tyf sf]ifx?
33,857,659 30,795,580 216,992 216,992 216,992 216,992 216,992 216,992 216,992 216,992 216,992 216,992
Capital Redemption Reserve) - -- -
3,580,173 3,580,173 3,580,173 3,580,173 1,100,948 1,100,948 1,100,948 1,100,948 - -- -- -- -- -
340,913 478,402 - -- -
3,239,260 622,546 1,238,421 4,108,329
- -38,893,245 38,893,245 38,893,245 38,893,245 36,221,849 36,221,849 36,221,849 36,221,849
C0fkq tyf a08
- -
Redemption Reserve - -
Redemption Reserve - -
+ + - -
sf7df8f}+ kmfOgfG; lnld6]8KATHMANDU FINANCE LIMITED
aL;f}+ jflif{s k|ltj]bg–@)&)÷)&!
sf7df08f} kmfOgfG; lnld6]8ltg{ af+sL shf{ ;fk6
---- ----- ----- -- ----- -- -- ----- -------- ----- -- ----- ----
+ ---- ----
lgIf]k bfloTj
---- ----- -- -
- -- -- -- -- -- -- -
- -- -- -- -- ----- ----- -- -- ----- ----- -- -- -- -- -- -- -- ----- ----
sf7df8f}+ kmfOgfG; lnld6]8KATHMANDU FINANCE LIMITED
aL;f}+ jflif{s k|ltj]bg–@)&)÷)&!
174,914,317 174,914,317 174,914,317 174,914,317 109,554,099 109,554,099 109,554,099 109,554,099 174,914,317 109,554,099 19,266,000 19,266,000
155,648,317 90,288,099 - -- -- -- -- -
387,252,623 387,252,623 387,252,623 387,252,623 301,541,100 301,541,100 301,541,100 301,541,100 387,252,623 301,541,100 37,340,000 37,340,000 349,912,623 264,201,100
---- ----- -- -- -- ----- ----- -- -- -- -- -- -- -- -- -- -- -- ----- ----- -- -- -
562,166,940 562,166,940 562,166,940 562,166,940 411,095,199 411,095,199 411,095,199 411,095,199 562,166,940 562,166,940 562,166,940 562,166,940 411,095,199 411,095,199 411,095,199 411,095,199
sf7df8f}+ kmfOgfG; lnld6]8KATHMANDU FINANCE LIMITED
aL;f}+ jflif{s k|ltj]bg–@)&)÷)&!
sf7df08f} kmfOgfG; lnld6]8e'QmfgL lbg' kg]{ ljnx?
- -- ----- ----
cGo bfloTj
437,685 194,083 114,023 -65,271 134,449
2,184,324 890,412 17,690,740 13,840,185
- -442,096 13,385
1,349,428 733,905 - -- -
611,945 1,107,990 2,103,569 2,103,569 2,103,569 2,103,569 1,279,227 1,279,227 1,279,227 1,279,227 287,237 49,098
1,575,382 277,927 240,949 952,202
24,999,081 24,999,081 24,999,081 24,999,081 18,193,635 18,193,635 18,193,635 18,193,635
gub df}Hbft
4,715,883 4,644,549 - -
4,715,883 4,715,883 4,715,883 4,715,883 4,644,549 4,644,549 4,644,549 4,644,549
g]kfn /fi6« a}+sdf /x]sf] df}Hbft
40,117,480 40,117,480 40,117,480 40,117,480 - - - 40,117,480 40,117,480 40,117,480 40,117,480 29,854,124 29,854,124 29,854,124 29,854,124 40,117,480 - - - 40,117,480 29,854,124
-
sf7df8f}+ kmfOgfG; lnld6]8KATHMANDU FINANCE LIMITED
aL;f}+ jflif{s k|ltj]bg–@)&)÷)&!
sf7df08f} kmfOgfG; lnld6]8a}s÷ljQLo ;+:yfdf /x]sf] df}Hbft
3,696,278 - - - 3,696,278 1,259,971
3,696,278 - - 3,696,278 1,259,971
- - - - - -
3,696,278 3,696,278 3,696,278 3,696,278 - - - 3,696,278 3,696,278 3,696,278 3,696,278 1,259,971 1,259,971 1,259,971 1,259,971 3,696,278
dfu tyf cNk;"rgfdf k|fKt x'g] /sdx?
257,982,500 68,107,989 - -
257,982,500 68,107,989
nufgL
- - - -- - - -- 2,000,000 2,000,000 -- - - -- - - -- 11,500,000 11,500,000 8,500,000 - - - -
2,305,594 394,500 2,700,094 2,050,145 1,463,920 - 1,463,920 914,950
35,752,155 - 35,752,155 35,752,155 39,521,669 39,521,669 39,521,669 39,521,669 13,894,500 13,894,500 13,894,500 13,894,500 53,416,169 53,416,169 53,416,169 53,416,169 47,217,250 47,217,250 47,217,250 47,217,250
403,930 - 403,930 403,930 39,117,739 39,117,739 39,117,739 39,117,739 13,894,500 13,894,500 13,894,500 13,894,500 53,012,239 53,012,239 53,012,239 53,012,239 46,813,320 46,813,320 46,813,320 46,813,320
sf7df8f}+ kmfOgfG; lnld6]8KATHMANDU FINANCE LIMITED
aL;f}+ jflif{s k|ltj]bg–@)&)÷)&!
sf7df08f}kmfOg
fG;lnld6]8
Jofkfl/snufgL(HeldforTrading)
!=g]kfn;/sf/sf]6«]h/Lljn
--
--
--
@=g]kfn;/sf/sf]artkq
--
--
--
#=g]kfn;/sf/sf]cGoC0fkq
--
--
--
$=g]=/f=a}+sC0fkq
--
--
--
%=ljb]zLC0fkq
--
--
--
^=:jb]zLOhfhtkqk|fKt;+:yfsf]z]o/
--
--
--
&=:jb]zLOhfhtkqk|fKt;+:yfsf]l8a]Gr/tyfa08
--
--
--
*=:jb]zL;+ul7t;+:yfsf]z]o/,l8a]Gr/tyfa08
--
--
-(=ljbzLa}+snufgL
Placement)
--
--
--
!)=InterbankLending
--
--
--
!!=cGonufgL-hUuf_
--
--
--
--
--
-
sf7df8f}+ kmfOgfG; lnld6]8KATHMANDU FINANCE LIMITED
aL;f}+ jflif{s k|ltj]bg–@)&)÷)&!
sf7df08f}kmfOg
fG;lnld6]8
e"QmfgLldlt;Dd
wf/0fug]{nufgL(HeldtoMaturity) (--)
--
--
--
--
--
--
2,000,000
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
-Placement)
--
--
--
--
--
--
2,000,000
--
--
sf7df8f}+ kmfOgfG; lnld6]8KATHMANDU FINANCE LIMITED
aL;f}+ jflif{s k|ltj]bg–@)&)÷)&!
sf7df08f}kmfOg
fG;lnld6]8
ljqmLsf]n
flupknAw
nufgL(Availiableforsale)
-!=g]kfn;/sf/sf]6|]h/Lljn
--
--
--
@g]kfn;/sf/sf]artkq
--
--
--
#g]kfn;/sf/sf]cGoC0fkq
--
--
--
$g]=/f=a}+sC0fkq
--
--
--
%ljb]zLC0fkq
--
--
--
^:jb]zLOhfhtkqk|fKt;+:yfsf]z]o/
11,500,000
11,500,000
11,500,000
--
-
&:jb]zLOhfhtkqk|fKt;+:yfsf]l8a]Gr/tyfa08
--
--
--
*:jb]zL;+ul7t;+:yfsf]z]o/,l8a]Gr/tyfa08
1,899,905
2,482,695
4,164,014
1,681,319
--
(ljbzLa}+snufgL(Placement)
--
--
--
!)cGonufgL
35,752,155
-35,752,155
--
-
49,152,060
49,152,060
49,152,060
49,152,060
13,982,695
13,982,695
13,982,695
13,982,695
51,416,169
51,416,169
51,416,169
51,416,169
1,681,319
1,681,319
1,681,319
1,681,319
- ---- ---
sf7df8f}+ kmfOgfG; lnld6]8KATHMANDU FINANCE LIMITED
aL;f}+ jflif{s k|ltj]bg–@)&)÷)&!
sf7df08f} kmfOgfG; lnld6]8z]o/ l8a]Gr/ tyf j08df nufgL
2071 cfiff( d;fGt2071 cfiff( d;fGt2071 cfiff( d;fGt2071 cfiff( d;fGtcg';"rL 4=12cg';"rL 4=12cg';"rL 4=12cg';"rL 4=12----s_s_s_s_
ljj/)fljj/)fljj/)fljj/)f k/n df]n ?=k/n df]n ?=k/n df]n ?=k/n df]n ?= a=d'Noa=d'Noa=d'Noa=d'No ahf/ d'No ahf/ d'No ahf/ d'No ahf/ d'No cg';f/ ?=cg';f/ ?=cg';f/ ?=cg';f/ ?=
Aoj:yf Aoj:yf Aoj:yf Aoj:yf /sd/sd/sd/sd o; jif{ ?=o; jif{ ?=o; jif{ ?=o; jif{ ?= ut jif{ ?=ut jif{ ?=ut jif{ ?=ut jif{ ?=
1= z]o/ nufgL1= z]o/ nufgL1= z]o/ nufgL1= z]o/ nufgL 12,484,955 12,484,955 12,484,955 12,484,955 14,200,094 14,200,094 14,200,094 14,200,094 403,930 403,930 403,930 403,930 14,200,094 14,200,094 14,200,094 14,200,094 10,550,145 10,550,145 10,550,145 10,550,145 1=1 o'gfO^]* OG;'/]G; sDkgL ln
785 ;fwf/)F z]o/, k|lt z]o/ 100 n] r'Qmf 78,500 925 726,125 - 726,125 208,025 1=2 lk|dLo/ OG;'/]G; sDkgL ln
322 ;fwf/)F z]o/, k|lt z]o/ 100 n] r'Qmf 32,200 892 287,224 - 287,224 39,928 1=3 g]kfn j]nkm]o/ sDkgL ln
5500 ;fwf/)F z]o/, k|lt z]o/ 100 n] r'Qmf 401,440 95 401,440 401,440 401,440 522,500 1=4 g]kfn rnlrq lasf; sDkgL
90 ;fwf/)F z]o/, k|lt z]o/ 100 n] r'Qmf 2,490 34 2,490 2,490 2,490 3,330 1=5 PgPnlh OG;'/]G; sDkgL
117 ;fwf/)F z]o/, k|lt z]o/ 100 n] r'Qmf 3,300 2,952 345,384 - 345,384 52,600 1=6 g]zgn nfOkm OG;"/]G; s=ln
65 ;fwf/)F z]o/, k|lt z]o/ 100 n] r'Qmf 6,500 656 42,640 - 42,640 89,700 1=7 /fli |̂o ljdf ;+:yfg
26 ;fwf/)F z]o/, k|lt z]o/ 100 n] r'Qmf 8,925 5,865 152,490 - 152,490 53,586 1=8 PnfOG; OG;'/]G; sDkgL ln
4806 ;fwf/)F z]o/, k|lt z]o/ 100n] r'Qmf - - - - - 644,004 1=9 shf{ ;'rgf s]Gb|
7984 ;fwf/)F z]o/, k|lt z]o/ 100 n] r'Qmf 294,500 - 294,500 - 294,500 294,500 1=10 ;'o{nfOkm OG;'/]G; sDkgL ln
180 ;fwf/)F z]o/, k|lt z]o/ 100 n] r'Qmf 18,000 750 135,000 - 135,000 29,700 1=11 g]kfn lSnol/u+ xfp;
1000 ;fwf/)F z]o/, k|lt z]o/ 100 n] r'Qmf 100,000 - 100,000 - 100,000 100,000 1=12 dlxnf ;xoflq dfOqmf]kmfOgfG;
40000 ;fwf/)F z]o/, k|lt z]o/ 100 n]r'Qmf 4,000,000 - 4,000,000 - 4,000,000 4,000,000
1=13 n'DaLgL h]g]/n OG:of]/]G; 118 ;fwf/)F z]o/, k|lt z]o/ 100 n] r'Qmf 0 490 57,820 - 57,820 12,272
1=14 g]zgn dfOqmf]kmfOgfG; ln 75000 ;fwf/)F z]o/, k|lt z]o/ 100 n]r'Qmf 7,500,000 7,500,000 - 7,500,000 4,500,000
1=15 sflnsf dfOqmf]*]enkd]G^ a}+s ln82 ;fwf/)F z]o/, k|lt z]o/ 100 n] r'Qmf 8,200 740 60,680 - 60,680 -
1=16 gof+ g]kfn n#' ljQ ljsf; a}+s ln 81 ;fwf/)F z]o/, k|lt z]o/ 100 n] r'Qmf 8,100 100 8,100 - 8,100 -
1=17 gfuj]nL n#' ljQ ljsf; a}+s ln11 ;fwf/)F z]o/, k|lt z]o/ 100 n] r'Qmf 1,100 649 7,139 - 7,139 -
1=18 ldlynf n#' ljQ ljsf; a}+s ln123 ;fwf/)F z]o/, k|lt z]o/ 100 n] r'Qmf 12,300 386 47,478 - 47,478 -
1=19 l/l* xfO*|f]kfj/ *]enkd]G^ sDkgL ln 94 ;fwf/)F z]o/, k|lt z]o/ 100 n] r'Qmf 9,400 336 31,584 - 31,584 -
2= l*j]Gr/ tyf a)* nu2= l*j]Gr/ tyf a)* nu2= l*j]Gr/ tyf a)* nu2= l*j]Gr/ tyf a)* nufgLfgLfgLfgL 914,950 914,950 914,950 914,950 1,463,920 1,463,920 1,463,920 1,463,920 ---- 1,463,920 1,463,920 1,463,920 1,463,920 914,950 914,950 914,950 914,950 2=1 gljn Jofn]G; km)* - 1
91495 OsfO k|lt OsfO ?= 10 n] r'Qmf 914,950 16 1,463,920 1,463,920 914,950 s'n nufgLs'n nufgLs'n nufgLs'n nufgL 13,399,905 13,399,905 13,399,905 13,399,905 15,664,014 15,664,014 15,664,014 15,664,014 403,930 403,930 403,930 403,930 15,664,014 15,664,014 15,664,014 15,664,014 11,465,095 11,465,095 11,465,095 11,465,095
3= hf]lvd ;DaGwL Joj:yf3= hf]lvd ;DaGwL Joj:yf3= hf]lvd ;DaGwL Joj:yf3= hf]lvd ;DaGwL Joj:yf 3=1 ut jif{ ;Ddsf] Joj:yf 403,930 - - 403,930 403,930 3=2 o; jif{sf] yk÷#^ - - - - -
s'n Aoj:yfs'n Aoj:yfs'n Aoj:yfs'n Aoj:yf 403,930 403,930 403,930 403,930 403,930 403,930 403,930 403,930 403,930 403,930 403,930 403,930 403,930 403,930 403,930 403,930 403,930 403,930 403,930 403,930 v'b nufgLv'b nufgLv'b nufgLv'b nufgL 12,995,975 12,995,975 12,995,975 12,995,975 15,260,084 15,260,084 15,260,084 15,260,084 15,260,084 15,260,084 15,260,084 15,260,084 11,061,165 11,061,165 11,061,165 11,061,165
sf7df8f}+ kmfOgfG; lnld6]8KATHMANDU FINANCE LIMITED
aL;f}+ jflif{s k|ltj]bg–@)&)÷)&!
sf7df08f}kmfOg
fG;lnld6]8
shf{,;fk6tyfljn
vl/bju
L{s/0f/
;f]sf]n
fluAoj:yf
(Performing)
- ---7,635,000
7,635,000
7,635,000
7,635,000
424,142,404
424,142,404
424,142,404
424,142,404
431,777,404
431,777,404
431,777,404
431,777,404
- ---- ---
- ---431,777,404
431,777,404
431,777,404
431,777,404
441,034,431
441,034,431
441,034,431
441,034,431
-7,635,000
424,142,404
-431,777,404
--
-431,777,404
441,034,431
(NonPerforming)
--
21,155,076.24
-21,155,076
--
-21,155,076
21,262,593
@=!k'g/;+/rgf.k'gtf{lnsL/0f
--
--
--
--
-11,363,570
@=@sd;n,
--
14,144,952
-14,144,952
--
-14,144,952
6,307,070
@=#z++sf:kb
--
1,072,600
-1,072,600
--
-1,072,600
722,427
@=$v/fa
--
5,937,524
-5,937,524
--
-5,937,524
2,869,526
- ---7,635,000
7,635,000
7,635,000
7,635,000
445,297,480
445,297,480
445,297,480
445,297,480
- ---452,932,480
452,932,480
452,932,480
452,932,480
- ---- ---
- ---452,932,480
452,932,480
452,932,480
452,932,480
462,297,024
462,297,024
462,297,024
462,297,024
#=!c;n
-76,350
4,241,425
-4,317,775
--
-4,317,775
4,410,344
#=@k'g/;+/rgf.k'gtf{lnsL/0f
--
--
--
--
-1,420,446
#=#sd;n
--
3,536,238
-3,536,238
--
-3,536,238
1,576,768
#=$z++sf:kb
--
536,300
-536,300
--
-536,300
361,214
#=%v/fa
--
5,937,524
-5,937,524
--
-5,937,524
2,869,526
- ---76,350
76,350
76,350
76,350
14,251,487
14,251,487
14,251,487
14,251,487
- ---14,327,837
14,327,837
14,327,837
14,327,837
- ---- ---
- ---14,3
14,3
14,3
14,327,837
27,837
27,837
27,837
10,638,298
10,638,298
10,638,298
10,638,298
-$=!c;n
-77,850
4,332,494
-4,410,344
--
-4,410,344
3,028,021
$=@k'g/;+/rgf.k'gtf{lnsL/0f
--
1,420,446
-1,420,446
--
-1,420,446
1,091,875
$=#sd;n
--
1,576,768
-1,576,768
--
-1,576,768
1,483,125
$=$z+sf:kb
--
361,214
-361,214
--
-361,214
3,579
$=%v/fa
--
2,869,526
-2,869,526
--
-2,869,526
8,598,845
- ---77,850
77,850
77,850
77,850
10,560,448
10,560,448
10,560,448
10,560,448
-10,638,298
10,638,298
10,638,298
10,638,298
--
-10,638,298
10,638,298
10,638,298
10,638,298
14,205,445
14,205,445
14,205,445
14,205,445
-(1,500)
(4,005,627)
-(4,007,127)
--
-(4,007,127)
(4,004,273)
--
7,696,666
-7,696,666
--
-7,696,666
437,126
-(1,500)
3,691,039
-3,689,539
--
-3,689,539
(3,567,147)
- ---7,558,650
7,558,650
7,558,650
7,558,650
431,045,994
431,045,994
431,045,994
431,045,994
- ---438,604,644
438,604,644
438,604,644
438,604,644
- ---- ---
- ---438,604,644
438,604,644
438,604,644
438,604,644
451,658,726
451,658,726
451,658,726
451,658,726
sf7df8f}+ kmfOgfG; lnld6]8KATHMANDU FINANCE LIMITED
aL;f}+ jflif{s k|ltj]bg–@)&)÷)&!
sf7df08f} kmfOgfG; lnld6]8shf{, ;fk6 / ljN; v/Lbsf] ;'/If0f
452,932,480 452,932,480 452,932,480 452,932,480 462,297,024 462,297,024 462,297,024 462,297,024 431,920,240 434,229,711
- -- -- -
(Export Document) - -21,012,240 28,067,313 21,012,240 28,067,313
- -- -- -- -- ----- ----
452,932,480 452,932,480 452,932,480 452,932,480 462,297,024 462,297,024 462,297,024 462,297,024
sf7df8f}+ kmfOgfG; lnld6]8KATHMANDU FINANCE LIMITED
aL;f}+ jflif{s k|ltj]bg–@)&)÷)&!
sf7df08f}kmfOg
fG;lnld6]8
l:y/;DklQ
d]lzg/L
d]lzg/L
d]lzg/L
d]lzg/L
11,488,663
1,409,572
1,365,198
2,666,184
3,972,933
20,902,550
21,369,285
-329,800
44,223
60,228
73,300
507,551
819,205
--
--
--
-9,980,058
--
--
9,980,058
1,285,939
-5,500
108,638
151,795
23,170
289,103
-++++
1,508,605
1,733,872
1,300,783
2,574,617
4,023,063
11,140,940
20,902,551
3,520,118
1,010,025
836,036
1,395,180
2,144,179
8,905,538
8,225,060
315,559
145,870
138,572
325,280
459,297
1,384,578
1,733,567
--
--
--
-3,599,100
4,347
101,036
150,533
17,915
3,872,931
1,053,089
236,577
1,151,548
873,572
1,720,460
2,585,561
6,417,185
8,905,538
(WDV)
1,272,029
582,324
427,211
854,157
1,437,502
4,723,756
11,997,014
--
--
--
2,879,982
--
--
--
--
--
--
--
++
+1,272,029
1,272,029
1,272,029
1,272,029
582,324
582,324
582,324
582,324
427,211
427,211
427,211
427,211
854,157
854,157
854,157
854,157
1,437,502
1,437,502
1,437,502
1,437,502
4,723,756
4,723,756
4,723,756
4,723,756
14,876,996
14,876,996
14,876,996
14,876,996
sf7df8f}+ kmfOgfG; lnld6]8KATHMANDU FINANCE LIMITED
aL;f}+ jflif{s k|ltj]bg–@)&)÷)&!
sf7df08f} kmfOgfG; lnld6]8u}/ a}ls+Ë ;DklQ
2064.9.19 190,000 100 190,000 -190,00190,00190,00190,000000 190,000 190,000 190,000 190,000 -
cGo ;DklQ
65,386 52,236 10,328 -
3,478,300 - 3,860,506 (3,478,300) (2,905,283)
- -10,205,566 3,843,390
963,504 1,332,634 161,698 141,155
- -- -- -
686,520 942,480 - -
340,913 478,402 146,386 278,218
49,392 49,391 6,492,132 3,134,015
(6,395,363) (2,912,813) 225 7,625
12,580,302 12,580,302 12,580,302 12,580,302 8,023,738 8,023,738 8,023,738 8,023,738
cGo ;DklQ -yk ljj/0f_
!= shf{df c;"n ug{ 3,448,646 29,654 - 3,478,300 3,860,506 @= ljgf ;"rgfsf] 8«fkm\6sf] e' - - - - -#= zfvf ldnfg lx;fa - - - - -
- - - - -3,448,646 3,448,646 3,448,646 3,448,646 29,654 29,654 29,654 29,654 ---- 3,478,300 3,478,300 3,478,300 3,478,300 3,860,506 3,860,506 3,860,506 3,860,506
sf7df8f}+ kmfOgfG; lnld6]8KATHMANDU FINANCE LIMITED
aL;f}+ jflif{s k|ltj]bg–@)&)÷)&!
sf7df08f} kmfOgfG; lnld6]8;Defljt bfloTjx?
- -- -
-s_ ^ dlxgf eGbf sd cjlwsf] - --v_ ^ dlxgf eGbf j9L cjlwsf] - -
- -- -
-s_ lj8 j08 - --v_ k/km/d]G; a08 - -
-u_ cGo Uof/]06L÷a08 - -- 3,000,000 - -- -
(Acceptance & Endorsement) - -(Underwriting Commitment) - -
(Irrevocable Loan Commitment) - -- -
(Advance Payment Guarantee) - -(Financial Guarantee) - -
(Contingent Liabilities on Income Tax) - ----- 3,000,000 3,000,000 3,000,000 3,000,000
Aofh cfDbfgL
66,326,696 64,014,249 != shf{ ;fk6 66,326,696 64,014,249 @= clwljsif{ - -
42,828 42,828 42,828 42,828 226,327 226,327 226,327 226,327 42,828 226,327
-s_ 6«]h/L ljN; - --v_ ljsf; C0fkq 42,828 226,327 -u_ /fli6«o art kq - -
- --s_ - --v_ - -
- -- -- -
-s_ a}+s ÷ ljQLo ;+:yfx? - --v_ cGo ;+:yfx? - -
- -- -- -
4,924,186 4,924,186 4,924,186 4,924,186 6,887,936 6,887,936 6,887,936 6,887,936 4,924,186 6,887,936
- ----- ----- -- -- -
71,293,710 71,293,710 71,293,710 71,293,710 71,128,512 71,128,512 71,128,512 71,128,512
sf7df8f}+ kmfOgfG; lnld6]8KATHMANDU FINANCE LIMITED
aL;f}+ jflif{s k|ltj]bg–@)&)÷)&!
sf7df08f} kmfOgfG; lnld6]8Aofh vr{
51,217,590 51,217,590 51,217,590 51,217,590 54,913,326 54,913,326 54,913,326 54,913,326 40,279,038 40,279,038 40,279,038 40,279,038 46,109,208 46,109,208 46,109,208 46,109,208
!=! :jb]zL d'b|f 40,279,038 46,109,208 !=@ ljb]zL d'b|f - -
10,938,553 10,938,553 10,938,553 10,938,553 8,804,118 8,804,118 8,804,118 8,804,118 @=! :jb]zL d'b|f 10,938,553 8,804,118 @=@ ljb]zL d'b|f - -
---- ----#=! :jb]zL d'b|f - -#=@ ljb]zL d'b|f - -
- ----- ----
!= C0fkq tyf j08 - -@= g]kfn /fi6« a}+saf6 k|fKt shf{ - -#= cGt/ a}+s÷ljQLo ;+:yf shf{ - -$= cGo ;+ul7t ;+:yf - -%= cGo shf{ - -
---- ----51,217,590 51,217,590 51,217,590 51,217,590 54,913,326 54,913,326 54,913,326 54,913,326
sldzg tyf l8:sfpG6
- -!= :jb]zL - -@= ljb]zL - -
167,655 167,655 167,655 167,655 85,181 85,181 85,181 85,181 != k|lttkq - -@= hdfgt kq - -#= sn]S;g kmL 154,792 -$= /]ld6]g; kmL 12,864 12,346 %= qm]l86 sf8{ - -^= z]o/ k|Tofe'lt÷lgisfzg - 72,835 &= ;/sf/L sf/f]af/ jfkt - -*= O=k|f=sdLzg jfkt - -(= a§f cfDbfgL - -
86,560 86,560 86,560 86,560 52,007 52,007 52,007 52,007 != jLdf 35,360 34,007 @= cGo 51,200 18,000
254,215 254,215 254,215 254,215 137,188 137,188 137,188 137,188
sf7df8f}+ kmfOgfG; lnld6]8KATHMANDU FINANCE LIMITED
aL;f}+ jflif{s k|ltj]bg–@)&)÷)&!
sf7df08f} kmfOgfG; lnld6]8cGo ;~rfng cfDbfgL
!= ;]km l8kf]lh6 eN6sf] ef8f - -@= qm]l86sf8{ lgisfzg tyf gjLs/0f - -#= ATM sf8{ lgisfzg tyf gjLs/0f - -$= 6]n]S;÷l6=l6= - -%= ;]jf z'Ns 6,127,023 5,213,293 ^= gljs/0f z'Ns - -&= cGo 194,744 157,802
6,321,767 6,321,767 6,321,767 6,321,767 5,371,095 5,371,095 5,371,095 5,371,095
;6xL 36a9 cfDbfgL÷gf]S;fg
-s_ ljlgdo b/df ePsf] km/saf6 - --v_ ljb]zL d'b|f sf/fa]f/af6 -a§f afx]s_ - -
---- ----
sd{rf/L vr{
!= tna 4,080,061 3,694,100 @= eQf 1,551,235 1,661,270 #= ;~rosf]ifdf yk 335,032 328,088 $= tflnd vr{ 3,390 5,000 %= kf]zfs 203,204 -^= cf}ifwf]krf/ - -&= aLdf - -*= k]G;g tyf pkbfg Aoj:yf 437,685 194,083 (= cGo 1,998,647 1,000,438
s_ bz}+ eQf 427,862 455,838 v_ ljbf jfktsf] tna vr{ tyf Joj:yf 1,570,785 544,600
8,609,254 8,609,254 8,609,254 8,609,254 6,882,978 6,882,978 6,882,978 6,882,978
sf7df8f}+ kmfOgfG; lnld6]8KATHMANDU FINANCE LIMITED
aL;f}+ jflif{s k|ltj]bg–@)&)÷)&!
sf7df08f} kmfOgfG; lnld6]8cGo ;~rfng vr{
!= 3/ef8f 2,946,240 2,868,120 @= aQL, kfgL,ljh"nL 323,571 268,688 #= dd{t tyf ;Def/#= dd{t tyf ;Def/#= dd{t tyf ;Def/#= dd{t tyf ;Def/ 134,208 134,208 134,208 134,208 193,734 193,734 193,734 193,734
-s_ ejg - --v_ ;jf/L ;fwg 75,286 80,241 -u_ cGo, 58,922 113,493
$= aLdf 452,145 394,906 %= kf]i6]h, 6]n]S;, 6]lnkmf]g ,km\ofS;, 78,198 114,010 ^= sfof{no pks/0f,kmlg{r/ ;kmfO / ;Def/ 88,417 50,087 &= e|d0f eQf / vr{ 9,000 37,155 *= d;nGb / 5kfO{ 235,907 176,276 (= kqklqsf tyf k':ts 2,630 4,650 !)= lj1fkg 382,219 582,736 !!= sfg"gL vr{ - 11,000 !@= rGbf 26,700 10,480 !#= ;~!#= ;~!#= ;~!#= ;~rfns ;ldlt ;DaGwL vr{rfns ;ldlt ;DaGwL vr{rfns ;ldlt ;DaGwL vr{rfns ;ldlt ;DaGwL vr{ 579,775 579,775 579,775 579,775 656,777 656,777 656,777 656,777
-s_ a}7s eQf 558,031 625,500 -v_ cGo vr{ 21,744 31,277
!$= ;fwf/0f ;ef ;DaGwL vr{ 193,860 272,273 !%= n]vfk/LIf0f ;DaGwL!%= n]vfk/LIf0f ;DaGwL!%= n]vfk/LIf0f ;DaGwL!%= n]vfk/LIf0f ;DaGwL 262,950 262,950 262,950 262,950 221,070 221,070 221,070 221,070
-s_ n]vfk/LIf0f z'Ns 175,150 175,150 -v_ cGo vr{ 87,800 45,920
!^= /sd :yfgfGt/0f sldzg - -!&= :yL/ ;DklQdf Xf; s§L 1,689,150 1,989,527 !*= k"j{ ;+rfng vr{ ckn]vg - -!(= z]o/ lgisfzg vr{ 307,637 50,000 @)= k|fljlws ;]jf ;f]wegf{ 425,977 384,594 @!= dgf]/~hg vr{ 394,706 462,465 @@= ckn]vg vr{ 15,274 -@#= ;"/Iff vr{ 468,663 444,993 @$= shf{ ;'/If0f lk|ldod - -@%= sldzg / l8:sfpG6 73,102 22,410 @^= cGo@^= cGo@^= cGo@^= cGo 1,037,656 1,037,656 1,037,656 1,037,656 906,486 906,486 906,486 906,486
s_ ;b:otf tyf l/Go" z'Ns 689,275 385,809 v_ OGwg tyf kl/axg vr{ 290,597 376,708 u_ ljljw 57,784 143,968
10,127,984 10,127,984 10,127,984 10,127,984 10,122,438 10,122,438 10,122,438 10,122,438
sf7df8f}+ kmfOgfG; lnld6]8KATHMANDU FINANCE LIMITED
aL;f}+ jflif{s k|ltj]bg–@)&)÷)&!
sf7df08f} kmfOgfG; lnld6]8;+efljt gf]S;fgL Aoj:yf
!= shf{ gf]S;fgL Aoj:yfdf ePsf] j[l4 7,696,666 437,126 @= nufgL gf]S;fgL Aoj:yfdf ePsf] j[l4 - -#= u}/ a}+ls+u ;DklQ gf]S;fgL Aoj:yf - -$= cGo ;DklQdf ul/Psf] Aoj:yf - 952,202
7,696,666 7,696,666 7,696,666 7,696,666 1,389,327 1,389,327 1,389,327 1,389,327
u}/ ;+rfng cfDbfgL ÷ gf]S;fg
!= nufgL ljqmLaf6 cfDbfgL÷-gf]S;fg_ 4,206,510 1,363,211 @= ;DklQ ljqmLaf6 cfDbfgL÷-gf]S;fg_ 13,939,060 267,095 #= nfef+z 113,772 70,806 $= g]kfn /fi6« a}+saf6 k|fKt ;x'lnot$= g]kfn /fi6« a}+saf6 k|fKt ;x'lnot$= g]kfn /fi6« a}+saf6 k|fKt ;x'lnot$= g]kfn /fi6« a}+saf6 k|fKt ;x'lnot - -s= tf]lsPsf] zfvfx?sf] gf]S;fg jfkt Ifltk"lt{ - -v= Aofh Ifltk"lt{ - -u= ;6xL sfpG6/ - -%= cGo 831,650 960,000
19,090,992 19,090,992 19,090,992 19,090,992 2,661,112 2,661,112 2,661,112 2,661,112
;Defljt gf]S;fgL Aoj:yfaf6 lkmtf{
!= shf{ gf]S;fgL Aoj:yfaf6 lkmtf{ 4,007,127 4,004,273 @= u}/ a}+ls+u ;DklQ gf]S;fgL Aoj:yfaf6 lkmtf{ - -#= nufgL Aoj:yfaf6 lkmtf{ - -$= cGo ;Dkltsf] Joj:yfaf6 lkmtf{ 711,253 176,600
4,718,380 4,718,380 4,718,380 4,718,380 4,180,873 4,180,873 4,180,873 4,180,873
c;fdfGo sf/f]af/x?af6 ePsf] cfDbfgL ÷vr{
!= ckn]vg ePsf] shf{sf] c;'nL - 100,000 @= :j]R5Ls cjsfz vr{ - -#= c;'nL x'g g;Sg] shf{sf] ckn]vg -$=@* s_ - -$= cGo vr{÷cfDbfgL - (476,177)
---- (376,177)(376,177)(376,177)(376,177)
sf7df8f}+ kmfOgfG; lnld6]8KATHMANDU FINANCE LIMITED
aL;f}+ jflif{s k|ltj]bg–@)&)÷)&!
sf7df08f} kmfOgfG; lnld6]8ckn]lvt shf{sf] ljj/0f
- - - - - -- - - - - -- - - - - -- - - - - -- - - - - -- - - - -
;+rfns, sfo{sf/L k|d'v, ;+:yfks, sd{rf/L, z]o/xf]N8/x?nfO{{ uPsf] shf{ ;fk6 ljj/0f
vl/b tyf l*:sfpG^ ul/Psf lanx¿ / shf{, ;fk^ tyf clwljsif{df k|jflxt s'n /sddWo] ;~rfns,sfo{sf/L k|d'v, ;+:yfks, sd{rf/L, z]o/ xf]N*/x? / lghx¿sf] kl/jf/sf ;b:o jf To:tf JolQm hdfgL a;]sf] jf Dofg]lhé Ph]G^ ePsf] s'g} ;+:yf jf sDkgLnfO{ uPsf] /sdsf] ljj/)f b]xfo adf]lhd % .
- - - - - - -- - - - - - -- - - - - - -- - - - - - -- - - - - - -- - - - - - -- - - - - - -- - - - - - -- - - - - - -- - - - - - -- - - - - - -- - - - - - -- - - - - - ----- ---- ---- ---- ---- ---- ----
sf7df8f}+ kmfOgfG; lnld6]8KATHMANDU FINANCE LIMITED
aL;f}+ jflif{s k|ltj]bg–@)&)÷)&!
sf7df08f} kmfOgfG; lnld6]8k"FhLsf]if tflnsf
224,311,785 224,311,785 224,311,785 224,311,785 185,888,956 185,888,956 185,888,956 185,888,956 170,053,500 154,662,400 13,604,300 -
216,992 216,992 - -
33,857,659 30,795,580 1,238,421 4,108,329
- -- -- -
5,000,000 5,066,330 340,913 478,402
- -(Goodwill) - -
- -- -
(Fictitious Assets) - -- (9,439,077)- -- -
- -7,557,035 7,557,035 7,557,035 7,557,035 5,032,890 5,032,890 5,032,890 5,032,890 4,317,775 4,410,344
- -- -- -
3,239,260 622,546 231,868,820 231,868,820 231,868,820 231,868,820 190,921,846 190,921,846 190,921,846 190,921,846
64,469,039 58,709,343 . 32,234,520 29,354,671
167,399,780 132,212,504 192,077,265 156,534,285
sf7df8f}+ kmfOgfG; lnld6]8KATHMANDU FINANCE LIMITED
aL;f}+ jflif{s k|ltj]bg–@)&)÷)&!
sf7df08f} kmfOgfG; lnld6]8hf]lvd efl/t ;Dklt ljj/0f tflnsf
(On-Balance-Sheet Assets)
gub df}Hbft 0 4,715,883 - 4,644,549 -;'g -ljlgdo of]Uo_ 0 - - - -g]kfn /fi6« a}+sdf /x]sf] df}Hbft 0 40,117,480 - 29,854,124 -g]kfn ;/sf/sf] C0fkqdf ul/Psf] nufgL 0 2,000,000 - - -g]kfn /fi6« a}+s 6|]h/L lan C0fkqdf ul/Psf] nufgL, 0 - - - -
d'2tL /;Lbsf] lwtf]df k"0f{ ;'/lIft x'g]u/L k|bfg ul/Psf] d'2tL /l;b shf{ 0 21,012,240 - 28,067,313 -;/sf/L C0f kqsf] lwtf]df k"0f{ ;'/lIft x'g] u/L k|bfg ul/Psf] shf{ 0 - - - -:jb]zL Ohfhtkqk|fKta}+s tyf ljQLo ;+:yfx?df /x]sf] df}Hbft 20 3,696,278 739,256 1,259,971 251,994 cGo Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfx?sf] d'2tL /l;bsf] lwtf]df k"0f{ ;'/lIft x'g] u/L k|bfg ul/Psf] d'ÅtL /l;b lwtf] shf{ 20 - - - -ljb]zL a}+sx?df /x]sf] df}Hbft 20 - - - -dfu]sf] avt k|fKt x'g] /sd (Money at Call) 20 257,982,500 51,596,500 68,107,989 13,621,598 cGt//fli6«o >]0fLs[t (Rated) Ohfhtkqk|fKt ;+:yfsf] Uof/]06Ldf uPsf] shf{ 20 - - - -cGt//fli6«o >]0fLs[t (Rated) a}+sdf u/]sf] cGo nufgL 20 - - - -z]o/, l8j]~r/ Pj+ a08df ePsf] nufgL 100 15,664,014 15,664,014 10,550,145 10,550,145 cGo nufgLx? 100 35,752,155 35,752,155 914,950 914,950 shf{, ;fk6 tyf ljN; v/Lb÷l8:sfp06 100 431,920,240 431,920,240 434,229,711 434,229,711 l:y/ ;DklQx? 100 4,723,756 4,723,756 14,876,996 14,876,996 cGo ;a} ;DklQx? -v"b cu|Ld s/ bflvnf jfx]s_ 100 12,483,532 12,483,532 42,599,470 42,599,470 kfpg"kg]{ v"b cGo Aofh /sd -s"n kfpg" kg]{ Aofh- ;/sf/L C0f kqsf] Aofh-Aofh d"NtjL_ 100 - - 955,223 955,223
830,068,079 830,068,079 830,068,079 830,068,079 552,879,453 552,879,453 552,879,453 552,879,453 636,060,440 636,060,440 636,060,440 636,060,440 518,000,088 518,000,088 518,000,088 518,000,088 -v_ jf;nft aflx/sf sf/f]jf/x? (Off-balance sheet Items)laN; sn]S;g
km/jf8{ ljb]zL ljlgdo ;Demf}tf 0 - - - -^ dlxgfeGbf sd cjlwsf] /} /sd_ 10 - - - -cGt//fli6«o >]0fLs[t (Rated) ljb]zL a}+ssf] 20 - - - -sfp06/ Uof/]06Ldf hf/L ul/Psf] Uof/]06L 20 - - - -^ dlxgfeGbf a9L cjlwsf] /} /sd_ 50 - - - -lj8a08 50 - - - -k/km/d]G; j08 50 - - - -clu|d e'QmfgL Uof/]06L (Advance Payment Guarantee) 100 - - - -ljQLo hdfgt 100 - - - -cGo hdfgt 100 - - - -ckl/jTo{ shf{ k|lta4tf (Irrevocable Loan Commitment) 100 - - - -cfos/ jfkt ;Defljt bfloTj 100 - - - -cGo ;j} k|sf/sf ;Defljt bfloTjx? 100 - - 3,000,000 3,000,000
- - 3,000,000 3,000,000 100 33,202,723 33,202,723 12,721,209 12,721,209
+ + 863,270,803 863,270,803 863,270,803 863,270,803 586,082,176 586,082,176 586,082,176 586,082,176 651,781,649 651,781,649 651,781,649 651,781,649 533,721,297 533,721,297 533,721,297 533,721,297
sf7df8f}+ kmfOgfG; lnld6]8KATHMANDU FINANCE LIMITED
aL;f}+ jflif{s k|ltj]bg–@)&)÷)&!
sf7df08f}kmfOg
fG;lnld6]8
k|d"v;"rsfFÍ
!v'bgfkmf÷s'ncfDbfgLk|ltzt
k|ltzt
29.22
23.90
14.69
14.13
6.33
15.79
@k|ltz]o/cfDbfgL
?=23.54
21.56
11.01
8.16
3.42
9.00
#k|ltz]o/ahf/d'No
?=326.00
167.00
138.00
114.00
146.00
191.00
$d"NocfDbfgLcg'kft(PERatio)
cg'kft
13.85
7.75
12.54
13.97
42.72
21.21
%z]o/k"FhLdfnfef+z-af]g;z]o/_
k|ltzt
20.00
20.00
12.00
0.00
0.00
8.00
^z]o/k"FhLdfgubnfef+ze'StfgL
k|ltzt
1.05
1.05
1.05
8.00
0.00
0.42
&AofhcfDbfgL÷shf{tyf;fk6
k|ltzt
11.07
14.77
17.22
19.96
13.85
14.49
*sd{rf/Lvr{÷s'n;+rfngvr{
k|ltzt
11.41
10.72
7.97
9.18
9.39
11.09
(s'nlgIf]ktyf;fk6LdfAofhvr{
k|ltzt
7.23
9.64
13.00
10.81
13.36
10.52
!);6xL36a9cfDbfgL÷s'ncfDbfgL
k|ltzt
0.00
0.00
0.00
0.00
0.00
0.00
!!sd{rf/Laf]g;÷s'nsd{rf/Lvr{
k|ltzt
49.47
41.57
39.92
27.62
12.94
25.37
!@v'bgfkmf÷shf{;fk6
k|ltzt
4.28
4.68
3.59
3.87
1.14
3.38
!#v'bgfkmf÷s'n;DklQ
cg'kft
3.49
3.15
2.44
1.83
0.85
1.88
!$v'bs'nshf{÷lgIf]k
k|ltzt
105.87
89.73
97.82
65.42
112.45
80.57
!%s'n;+rfngvr{÷s'n;DklQ
k|ltzt
7.34
8.84
11.82
10.31
11.72
9.52
!^hf]lvdefl/t;DklQdfk"FhLsf]ifsf]kof{Kttf
-s_k|fyldsk"FhL
k|ltzt
26.75
28.79
34.75
34.83%
45.72%
38.27%
-v_k"/sk"FhL
k|ltzt
1.59
0.77
0.75
0.94%
0.75%
1.29%
-u_
s'nk"FhLsf]if
k|ltzt
28.34
29.56
35.50
35.77%
39.56%
39.56%
!&t/ntf(CRR)
cg'kft
19.49
22.94
17.57
18.17
14.04
14.04
!*lgis[oshf{÷s'nshf{
k|ltzt
2.83
3.54
5.59
7.14
4.60
4.67
!(Aofhb/cGt/(WeightedAverageInterestRateSpread)
k|ltzt
4.65
3.58
5.18
4.82
4.02
4.02
@)a'sg]6jy{
?=122,746,633
152,291,027
184,672,717
185,016,131
195,950,579
227,551,045
@!s'nz]o/
;+Vof
759,000
910,800
1,380,085
1,546,624
1,546,624
1,700,535
@@s'nsd{rf/L
;+Vof
2323
2323
2321
@#cGo
sf7df8f}+ kmfOgfG; lnld6]8KATHMANDU FINANCE LIMITED
aL;f}+ jflif{s k|ltj]bg–@)&)÷)&!
sf7df08f} kmfOgfG; lnld6]8
ljQLo ljj/0f;+u ;DalGwt k|d'v n]vf gLltx?
Accrual Basis
(Historical Cost Concept)
Carrying
sf7df8f}+ kmfOgfG; lnld6]8KATHMANDU FINANCE LIMITED
aL;f}+ jflif{s k|ltj]bg–@)&)÷)&!
Accrual Basis
Accrual Basis
Accrual Basis
sf7df8f}+ kmfOgfG; lnld6]8KATHMANDU FINANCE LIMITED
aL;f}+ jflif{s k|ltj]bg–@)&)÷)&!
FIFO (First in First Out) Method
sf7df8f}+ kmfOgfG; lnld6]8KATHMANDU FINANCE LIMITED
aL;f}+ jflif{s k|ltj]bg–@)&)÷)&!
n]vf ;DjGwL l6Kk0fLx?
1111====
2222====
3333====
shf{sf] cf};t Jofb/ !$.^# lgIf]ksf] cf};t Jofhb/ !).@* v'b cGt/ (SPREAD) $.#%
4444====
;+:yfn] cf=j @)^&.^* df h8fFg u/]sf] gofF a}FÍKn; ;km\6j]o/sf] af+sL nfutdf o; jif{?= *!,#^) ckn]vg vr{ ul/ ? !,^@,&@).)) / cf=j @)^(.&) df h8fFg u/]sf]Pg=l;=Pr=Pnsf] r]s ;DaGwL ;km\6j]o/sf] nfut ? ^,(*,$)).)) df o; jif{?= !,&$,^)).)) ckn]vg vr{ ul/ af+sL ? %,@#,*)).)) cg';"rL $=!^ df b]vfO{Psf] 5 .
5555====
sf7df8f}+ kmfOgfG; lnld6]8KATHMANDU FINANCE LIMITED
aL;f}+ jflif{s k|ltj]bg–@)&)÷)&!
6666====
----
7777====
8888==== r'Qmf k"FhL (Paidup Capital) dWo] clu|d e'QmfgL k|fKt (Paid in Advance), e'QmfgL k|fKt x'g af+sL (Calls in Arrears) / hkmt ul/Psf t/ k'gM lgisfzg gul/;s]sf (Forfeited but not issued)z]o/x? s'g} af+sL /x]sf] 5}g . sDkgLn] hf/L ug{ nfu]sf] r'Qmf k"FhLsf] % a/fa/ ! sf] xsk|b z]o/sf] nflu ;+:yfksx?åf/f hDdf ? %),)),))).)) sN; Og P8efG;sf] ?kdf k|fKt ePsf]5 .
9999==== o; ljQLo ;+:yfsf] xfn;Dd lnhxf]N8 ;DklQ /x]sf] 5}g .
10101010==== o; ljQLo ;+:yfsf] xfn;Dd s'g} zfvf 5}g .
11111111==== (Tax Liabilities): sDkgLn] o; cf=j= @)&)÷)&! sf] lgldQ ?= o; cfly{s jif{ ls:tfut ?kdf hDdf ?
^#,(%,#^#÷ bflvnf u/]sf] 5 . pQm bflvnf u/]sf] /sd s'n s/ bfloTj eGbf ? (^,&&). n]]a9L /x]sf] 5 / pQm /sd jf;nftsf] ;Dklt tkm{sf] cg';'lr $=!^ df cGo ;Dklt lzif{sdf b]vfOPsf] 5 .
12121212==== (Investment) MsDkgLn] o; cf=j @)&).&! df nfut eGbf ahf/ d'No sd ePsf tyf g]=/f=a}+ssf] nufgL ;DalGw lgb]{zg cg';f/ hDdf ? $,)#,(#).)) nufgLdf ;Defljt xfgL gf]S;fgL Joj:yf cGt{ut Joj:yf u/]sf] 5 .
sf7df8f}+ kmfOgfG; lnld6]8KATHMANDU FINANCE LIMITED
aL;f}+ jflif{s k|ltj]bg–@)&)÷)&!
13131313==== (Deferred Tax) : g]kfn n]vfdfg NAS 9 cg";f/ ut jif{;Ddsf] :yug s/ ;Dklt ?= 4,78,402.00 df o; jif{sf] :yug s/ ;Dklt ?= 1,37,489.00 # \̂g uO cfPsf] s"n :yug s/ ;Dklt 3,40,913.00 nfO{ :yugs/ hu]*Fsf]ifdf /sdfGt/ ul/Psf]% . ;f] sf] u)Fgf lgDgfgÚ;f/ ul/Psf] % .
41,36,392.52 -12,73,883.45_54,10,275.49 41,36,392.52 -12,73,883.45__
15,75,382.48 15,75,382.48
24,54,544.49 24,10,261.7411,36,378.29 3,40,913.004,78,402.00 1,37,489.00
14141414==== ljlQo ;+:yfsf] ;+rfns ;ldltn] ;lGrt d'gfkmfaf6 cfiff9 d;fGt @)&! df sfod /x]sf ;fwf/0f z]o/sf] cfwf/df z]o/wgLx?nfO{ * k|ltztn] x'g cfpg]
Qm ldltsf] r'Qmf k"FhLsf] )=$@!) k|ltztn]x'gcfpg]
sf] 5 .
15151515==== g]kfn /fi6« a}+saf6 l;3| ;' :yfx?df o; ;+:yfsf]
16161616==== (Regrouping and Reclassification):
;+nUg ljQLo ljj/0fx?nfO{ cfjZostf cg'
sf7df8f}+ kmfOgfG; lnld6]8KATHMANDU FINANCE LIMITED
aL;f}+ jflif{s k|ltj]bg–@)&)÷)&!
sf7df08f}kmfOg
fG;lnld6]8
;+:y
fks÷;+:y
fks;d'xsfz
]o/w
gLn]cfkm\gf]:jfldTjdf/x]sf]z
]o/cGo
a}+styfljQLo
;+:y
fdflwtf]/fvLs
hf{lnPs
f]ljj/0f
!e/tk|;fbkf]v/]n
6,542
0.004
hodgsfdgfax'd'lv;xsf/L;+:yfln
z]o/vl/b
pknAwgePsf]
2,609
u'x]Zj/LkmfOgfG;ln
z]o/vl/b
pknAwgePsf]
1,200
@p4jk|;fbuf}td
5,997
0.004
hodgsfdgfax'd'lv;xsf/L;+:yfln
z]o/vl/b
pknAwgePsf]
2,391
#;'/]zs'df/wf/]jfn
20,608
0.013
hodgsfdgfax'd'lv;xsf/L;+:yfln
z]o/vl/b
pknAwgePsf]
18,400
$bof/fdkf}8]n
6,944
0.004
:6f088{kmfOgfG;ln
z]o/vl/b
pknAwgePsf]
3,313
hodgsfdgfax'd'lv;xsf/L;+:yfln
z]o/vl/b
pknAwgePsf]
2,473
%pk]Gb|clwsf/L
10,994
0.007
hodgsfdgfax'd'lv;xsf/L;+:yfln
z]o/vl/b
pknAwgePsf]
2,800
^s]z/LrGbs'r]l/of
89,906
0.058
sfi7d08k;xsf/L;+:yfln
z]o/vl/b
pknAwgePsf]
11,000
&k|]daxfb'/a/fn
16,487
0.011
xfd|f];xsf/L;+:yfln
z]o/vl/b
pknAwgePsf]
14,467
*/fh]GbeQm>]i7
14,498
0.009
l;lG;o/;]leU;P08kmfOgfG;sf]ck/]l6e
z]o/vl/b
pknAwgePsf]
7,034
171,976
171,976
171,976
171,976
65,687
65,687
65,687
65,687
sf7df8f}+ kmfOgfG; lnld6]8KATHMANDU FINANCE LIMITED
aL;f}+ jflif{s k|ltj]bg–@)&)÷)&!
sf7df08f} kmfOgfG; lnld6]8
n]vfkl/If)f cl# k|sflzt tyf n]vfkl/If)f kl%sf ljlQo ljj/)fx?sf t'ngfTds l:ylt cf=j= 2070.71
Rs.in 000
S.no Particulars Unaudited Financial Statement
Audited Financial Statement
Variance Resons for Variance In Amount In %1 Total Capital and Liabilities(1.1to1.7) 827,648 814,717 12,931
1.1 Paid up Capital 170,054 183,658 (13,604) (8.00)1.1.1 Calls in Advance 5,000 5,000 - -
1.2 Reserve and surplus 49,934 38,893 11,041 -22.11Appropriation of profit, accounting ofinvestment adjustment fund & change in profitability
1.3 Debenture and bond -1.4 Borrowings - - -1.5 Deposits(a+b) 562,167 562,167 - -
a.Domestic currency 562,167 562,167 - -b.Foreign currency -
1.6 Income tax liabilities 492 - 492 Revised calcuation
1.7 Other liabilities 40,001 24,999 15,002 37.50 Loan loss provision regrouped with loan and advance.
2 Total Assets(2.1 to 2.7) 827,648 815,433 12,469 2.1 Cash and Bank balance 44,833 48,530 (3,696) 8.24 by regrouping with money at call2.2 money at call and Short Notice 261,679 257,982 3,696 1.41 By regrouping with cash & bank balance2.3 Investments 51,152 53,012 (1,860) 3.64 Investment shown on mkt price
2.4 loans and Advances 453,896 438,605 15,291 3.37 Regrouping of loan loss provision with other liability and staff loan with other assets.
a) Realstate Loan 25,368 25,114 0.001.Residential Real state Loan
(Except personal home loan upto Rs80 Lacs)
25,368 25,114 254 1.00
2.Business Complex & Residential Apartment Constrution Loan - - -
3.Income Generating Commercial Complex Loan - - -
4.Other Real Estate Loan (Including Land purchase & Ploting) - - -
b. Personal Home Loan Of Rs.80 Lacs or Less 58,608 56,735 1,873 3.20
c.Margin Type Loan 107,098 105,044 2,054 1.92d.Term Loan 21,012 20,802 210 1.00e.Overdraft / TR Loan /WC Loan - - -f.Others 241,810 230,910 10,900 4.51
2.5 Fixed Assets 4,724 4,724 0.00 0.00 2.6 Non banking assets 190 - 190 Non banking assets net of provision.2.7 Other Assets 11,174 12,580 (1,406) 12.59 Regroup of staff loans.3 Profit and Loss account -
3.1 Interest Income 71,299 71,294 5 0.01 interest on bank balance adjusted3.2 Interest Expences 51,218 51,218 (0.00) (0.00)A . Net Interest Income(3.1 - 3.2) 20,081 20,076 3.3 Fee,Commission and Discount 254 254 0 0.003.4 Other Operating Income 6,322 6,322 0 0.003.5 Foreign Exchange Gain/Loss(net) - - -B. Total operating Income(A+3.3+3.4+3.5) 26,657 26,652 3.6 Staff Expences 8,609 8,609 (0) 0.003.7 Other Operating Expences 10,138 10,128 10 0.10C. Oprating Profit beforeProvision(B-3.6-3.7) 7,910 7,915 3.8 Provision for possible loss 3,730 3,690 41 1.09 Excess provision reversed.D. Operating Profit 4,180 4,225 3.9 Non operating Income /Expences(net) 19,091 19,091 (0) 0.003.1 Writeback of provision for possible loss 707 711 (5) 0.64 Reversal of provision of PCA.E. Profit from regular Activities 23,977 24,028
3.11 Extraordinary Expences - - -F. Profit Before Bonus and Taxes(E+3.11) 23,977 24,028
3.12 Provision for Staff bonus 2,180 2,184 (5) 0.21 Change in profitability.3.13 Provision for Tax 6,984 6,533 451 6.46 Final liability calculation.G. Net Profit/loss(F-3.12-3.13) 14,813 15,310 (497) 3.00
sf7df8f}+ kmfOgfG; lnld6]8KATHMANDU FINANCE LIMITED
aL;f}+ jflif{s k|ltj]bg–@)&)÷)&!
Kathmandu Finance Limited Unaudited Financial Report (Quarterly)
As at4th Quarter (2071/03/32) of the fiscal year 2070/71BALANCE SHEET Sch-4a
Rs in '000'
S.No. Particulars this quarter ending
Previous quarter Ending
corresponding previous year end
audited report 1 TOTAL CAPITAL & LIABILITIES 827,647.96 775,700.00 635,867.00
1.1 Paid up Capital 170,053.51 170,053.00 154,662.00 1.1.1 Calls in Advance 5,000.00 - 5,066.00
1.2 reserve and surplus 49,934.37 35,877.00 35,616.00 1.3 debenture and bond1.4 borrwoing1.5 deposit (a+b) 562,166.94 527,509.00 411,095.00
a. domestic currency 562,166.94 527,509.00 411,095.00 b. foreign currency
1.7 income tax liability 491.86 - -1.8 other liabilities 40,001.28 42,261.00 29,428.00 2 TOTAL ASSETS (2.1 to 2.7) 827,647.96 775,700.00 635,867.00
2.1 cash and bank balance 44,833.36 69,007.00 35,820.00 2.2 money at call and short notice 261,678.78 190,431.00 68,037.00 2.3 investments 51,152.06 15,391.00 10,882.00 2.4 Loan and Advances 453,895.98 445,807.00 463,630.00
a. Real Estate Loan 25,368.00 25,968.00 37,919.00 1.Residential Real state Loan(Except personal home loan upto Rs1 crore) 25,368.00 25,968.00 37,919.00
2.Business Complex & Residential Apartment Constrution Loan - - -
3.Income Generating Commercial Complex Loan - - -4.Other Real Estate Loan (Including Land purchase & Ploting) - - -
b. Personal Home Loan Of Rs. 1 crore or Less 58,608.00 79,029.00 64,670.00 c. Margin Type Loan 107,098.00 93,123.00 93,905.00 d.Term Loan 21,012.02 11,633.00 28,068.00 e.Overdraft / TR Loan /WC Loan - - -f. Others 241,809.96 236,054.00 239,068.00
2.5 Fixed Assets 4,723.76 14,453.00 14,877.00 2.6 Non Banking Assets 190.00 190.00 190.00 2.7 Other Assets 11,174.02 40,421.00 42,431.00
PROFIT AND LOSS ACCOUNT3.1 interest income 71,298.57 50,913.00 71,126.00 3.2 interests expenses 51,217.59 37,977.00 54,913.00 A Net interest income (3.1-3.2) 20,080.98 12,936.00 16,213.00
3.3 fees, commission and discount 254.22 76.32 136.00 3.4 other operating income 6,321.77 4,548.00 5,372.00 3.5 foreing exchange Gain/Loss (Net) - - -B Total Operating Income (A+3.3+3.4+3.5) 26,656.97 17,560.32 21,721.00
3.6 Staff Expenses 8,609.25 5,051.00 6,883.00 3.7 Other Operating Expenses 10,137.95 7,153.00 10,156.00 C Operating Profit Before Provision (B-3.6-3.7) 7,909.77 5,356.32 4,682.00
3.8 Provision for Possible Loss 3,730.26 8,760.00 952.00 D Operating Profit ( C-3.8) 4,179.51 (3,403.68) 3,730.00
3.9 Non Operating Income/Expenses (Net) 19,090.99 3,886.00 2,661.00 3.10 Write Back of Provision for Possible loss 706.73 706.00 3,744.00
E Profit from Regular Activities (D+3.9+3.10) 23,977.23 1,188.32 10,135.003.11 Extra Ordinery Income/Expenses (Net) - - (376.00)
F Profit before Bonus and Taxes (E+3.11) 23,977.23 1,188.32 9,759.00 3.12 Provision for Staff Bonus 2,179.75 108.03 887.00 3.13 Provision of Tax 6,984.00 324.00 3,320.00
G Net Profit/Loss (F-3.12-3.14) 14,813.48 756.29 5,552.00
sf7df8f}+ kmfOgfG; lnld6]8KATHMANDU FINANCE LIMITED
aL;f}+ jflif{s k|ltj]bg–@)&)÷)&!
sf7df8f}+ kmfOgfG; lnld6]8KATHMANDU FINANCE LIMITED
aL;f}+ jflif{s k|ltj]bg–@)&)÷)&!
sf7df8f}+ kmfOgfG; lnld6]8KATHMANDU FINANCE LIMITED
aL;f}+ jflif{s k|ltj]bg–@)&)÷)&!
sf7df08f} kmfOgfG; lnld6]8
g]kfn /fi6« a}+ssf] lgb]{zgx?k|lt ;~rfns ;ldltsf] k|To'Q/
!= ;+:yfdf vfnL /xg uPsf] Joj;flos ljz]if1 ;~rfns lgo'lQmsf] k|lqmof cufl8 a9fO{;lsPsf] 5 / oyfzSo rfF8f] lgo'lQm u/L hfgsf/L u/fOg] 5 .
@= ;+:yfsf] gub ;~rfng Dofg'cn, @)&) df ePsf] Joj:yfg';f/ 8f]/d]06 vftf ;DaGwL Joj:yf sfof{Gjog ul/;s]sf] Joxf]/f cg'/f]w ub{5f}F .
#= ;fy}, To; a}+saf6 :ynut tyf u}/:ynut ;'kl/j]If0fsf qmddf lbOPsf lgb]{zgx? Pjd\n]vfk/LIfsn] p7fPsf cGo s}lkmotx? ;'wf/ ub}{ n}hfg] k|lta4tf JoQm ub{5f}F .
sf7df8f}+ kmfOgfG; lnld6]8KATHMANDU FINANCE LIMITED
aL;f}+ jflif{s k|ltj]bg–@)&)÷)&!
sf7df08f} kmfOgfG; lnld6]8;+zf]lwt k|aGwkq
xfnsf] Joj:yfxfnsf] Joj:yfxfnsf] Joj:yfxfnsf] Joj:yf ;+zf]lwt Joj:yf;+zf]lwt Joj:yf;+zf]lwt Joj:yf;+zf]lwt Joj:yf ;+zf]wg ug{"sf] sf/)F;+zf]wg ug{"sf] sf/)F;+zf]wg ug{"sf] sf/)F;+zf]wg ug{"sf] sf/)Fbkmf bkmf bkmf bkmf ----5_5_5_5_s_ ljQLo ;+:yfsf] clws[t k'+hL ?=24,00,00,000.00 -cIf/]kL ?= rf}jL; s/f]*_ ePsf] .
bkmf bkmf bkmf bkmf ----5_5_5_5_s_ ljQLo ;+:yfsf] clws[t k'+hL ?=64,00,00,000.00 -cIf/]kL ?= rf};&\&L s/f]*_ x"g]% .
;+:yfsf] hf/L tyf r'Qmf k'+hLsf]j[l$;u}+ zfvf lj:tf/ ug{ k'+hL j[l$ug{ cfjZos ePsf]n] clws[t k'+hL j[l$ ul/Psf] xf] .
v_ ljQLo ;+:yfsf] hf/L k'+hL ?=21,34,43,112.00 -cIf/]kL PSsfO; s/f]* rf}tL; nfv lqrfnL; xhf/ Ps ;o afx«_ePsf] .
v_ ljQLo ;+:yfsf] hf/L k'+hL ?=36,73,15,600.00 -cIf/]kL %QL; s/f]*lqxQ/ nfv kGw| xhf/ % ;o_ x"g]% .
pGgfO;f} jflif{s ;fwf/)F ;efn] kfl/t u/]sf] 5 a/fj/ 1 sf]; \̂̂ fdf jL;f}+ jflif{s ;fwf/)F ;efdf k|:tfj u/]sf] 8 k|ltzt af]gz z]o/ kZrft x"g] r"Qmf k'+hLdf 1 a/fa/ 1 xsk|b z]o/ hf/L ug{"k/]sf] sf/)Fn] .
u_ ljQLo ;+:yfsf] r"Qmf k'+hL ?=17,00,53,500.00 -cIf/]kL ;q s/f]* lqkGg xhf/ kf+r;o_ ePsf] .
u_ ljQLo ;+:yfsf] r"Qmf k'+hL ?=36,73,15,600.00 -cIf/]kL %QL; s/f]* lqxQ/ nfv kGw| xhf/ % ;o_ x"g]% .
pGgfO;f} jflif{s ;fwf/)F ;efn] kfl/t u/]sf] 5 a/fj/ 1 sf]; \̂̂ fdf jL;f}+ jflif{s ;fwf/)F ;efdf k|:tfj u/]sf] 8 k|ltzt af]gz z]o/ kZrft x"g] r"Qmf k'+hLdf 1 a/fa/ 1 xsk|b z]o/ hf/L ug"{k/]sf] sf/)Fn] .
#_ ljQLo ;+:yfsf] z]o/ k'+hL dWo] 55=33% z]o/ ;+:yfks ;d'xdf / 44=67% z]o/ ;j{;fwf/)f ;d'xdf x"g]% .
#_ ljQLo ;+:yfsf] z]o/ k'+hL dWo] 51%z]o/ ;+:yfks ;d'xdf / 49% z]o/ ;j{;fwf/)f ;d'xdf x"g]% .
g]kfn /fi «̂ a}+saf^ lgb]{zg lbO{ sDkgL /lhi «̂f/, lwtf]kq jf]*{df ;f]xL cg";f/sf] clen]v eO{ ;s]sf]x"gfn] ;f]xL adf]lhd ;+:yfkssf]51% / ;j{;fwf/)Fsf] 49% cg"kft sfod ug"{kg]{ sf/)Fn] .
bkmf bkmf bkmf bkmf ----4_4_4_4_ljQLo ;+:yfsf] p@]Zo k|fKt ug{ul/g] sfo{x?q_ gePsf] . !_ gePsf] .
bkmf bkmf bkmf bkmf ----4_4_4_4_ljQLo ;+:yfsf] p@]Zo k|fKt ug{ ul/g] sfo{x?df ykM q_ ljdf Ph]G^sf] ?kdf sfo{ ug]{ .!_ ;"g rf+bL lwtf] lnO{ shf{ k|jfx ug]{ .
Joj;fosf] sfo{IF]qdf lj:tf/ ug{cfjZos eO{ yk sfo{ ug"{ k/]sf]sf/)Fn] .
;+zf]lwt lgodfjnL
xfnsf] Joj:yfxfnsf] Joj:yfxfnsf] Joj:yfxfnsf] Joj:yf ;+zf]lwt Joj:yf;+zf]lwt Joj:yf;+zf]lwt Joj:yf;+zf]lwt Joj:yf ;+zf]wg ug"{sf] sf/)F;+zf]wg ug"{sf] sf/)F;+zf]wg ug"{sf] sf/)F;+zf]wg ug"{sf] sf/)Flgod 8lgod 8lgod 8lgod 8 ;+rfnssf] ;+Vof / sfo{sfn;+rfnssf] ;+Vof / sfo{sfn;+rfnssf] ;+Vof / sfo{sfn;+rfnssf] ;+Vof / sfo{sfn----2_2_2_2_ o; ljQLo ;+:yfdf 7 hgfsf] ;+rfns ;ldlt x"g]% . h;dWo] ;+:yfks ;d'xaf^ 4 hgf / ;j{;fwf/)f ;d'xaf^ 2 hgf ;+rfnsx? jflif{s ;fwf/)F ;efaf^ lgjf{rg u/L lgo"Qm x"g]%g\ / a}+s tyf ljQLo ;+:yf ;DaGwL sfg"gdf pNn]v eP adf]lhd 1 hgf ;+rfns -Joj;flos ljif]z!_ ;+rfns ;ldltaf^ lgo"Qm ul/g]% .
lgod 8lgod 8lgod 8lgod 8 ;+rfnssf] ;+Vof / sfo{sfn;+rfnssf] ;+Vof / sfo{sfn;+rfnssf] ;+Vof / sfo{sfn;+rfnssf] ;+Vof / sfo{sfn----2_2_2_2_ o; ljQLo ;+:yfdf 8 hgfsf] ;+rfns ;ldlt x"g]% . h;dWo] ;+:yfks ;d'xaf^ 4 hgf / ;j{;fwf/)f ;d'xaf^ 3 hgf ;+rfnsx? jflif{s ;fwf/)F;efaf^ lgjf{rg u/L lgo"Qm x"g]%g\ / a}+s tyf ljQLo ;+:yf ;DaGwL sfg"gdf pNn]v eP adf]lhd 1 hgf ;+rfns -Joj;flos ljif]z!_ ;+rfns ;ldltaf^ lgo"Qm ul/g]% .
k'+hLsf] cg"kflts ;+/rgf ;+:yfks ;d'xsf] 51% tyf ;j{;fwf/)F ;d'xsf] 49%ePaf^ ;+rfns ;ldltsf] ;+/rgf kl/jt{g ug"{ k/]sf] sf/)Fn] .
sf7df8f}+ kmfOgfG; lnld6]8KATHMANDU FINANCE LIMITED
aL;f}+ jflif{s k|ltj]bg–@)&)÷)&!
l6kf]6l6kf]6l6kf]6l6kf]6 __________________________________________________________________________________
__________________________________________________________________________________
__________________________________________________________________________________
__________________________________________________________________________________
__________________________________________________________________________________
__________________________________________________________________________________
__________________________________________________________________________________
__________________________________________________________________________________
__________________________________________________________________________________
__________________________________________________________________________________
__________________________________________________________________________________
__________________________________________________________________________________
__________________________________________________________________________________
__________________________________________________________________________________
__________________________________________________________________________________
__________________________________________________________________________________
__________________________________________________________________________________
__________________________________________________________________________________
__________________________________________________________________________________
__________________________________________________________________________________
__________________________________________________________________________________
__________________________________________________________________________________
__________________________________________________________________________________
__________________________________________________________________________________
__________________________________________________________________________________
__________________________________________________________________________________
__________________________________________________________________________________
__________________________________________________________________________________
__________________________________________________________________________________