Meaning of Bank

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

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

The Origin and Use of Banks

The Word bank is derived form the Italian word banko signifying a bench, which was erected in the market-place, where it was customary to exchange money. The Lombard Jews were the first to practice this exchange business, the first bench having been established in Italy A.D. 808. Some authorities assert that the Lombard merchants commenced the business of money-dealing, employing bills of exchange as remittances, about the beginning of the thirteenth century. About the middle of the twelfth century it became evident, as the advantage of coined money was gradually acknowledged, that there must be some controlling power, some corporation which would undertake to keep the coins that were to bear the royal stamp up to a certain standard of value; as, independently of the sweating which invention may place to the credit of the ingenuity of the Lombard merchants- all coins will, by wear or abrasion, become thinner, and consequently less valuable; and it is of the last importance, not only for the credit of a country , but for the easier regulation of commercial transactions, that the metallic currency be kept as nearly as possible up to the legal standard. Much unnecessary trouble and annoyance has been caused formerly by negligence in this respect. The gradual merging of the business of a goldsmith into a bank appears to have been the way in which banking, as we now understand the term, was introduced into England; and it was not until long after the establishment of banks in other countries-for state purposes, the regulation of the coinage, etc. That any large or similar institution was introduced into England. It is only within the last twenty years that printed cheque have been in use in that establishment. First commercial bank was Bank of Venice which was established in 1157 in Italy.

Origin of Banking in Nepal

Nepal's first commercial bank, the Nepal Bank Limited, was established in 1937. The government owned 51 percent of the shares in the bank and controlled its operations to a large extent. Nepal Bank Limited was headquartered in Kathmandu and had branches in other parts of the country. There were other government banking institutions. Rastriya Banijya Bank (National Commercial Bank), a state-owned commercial bank, was established in 1966. The Land Reform Savings Corporation was established in 1966 to deal with finances related to land reforms. There were two other specialized financial institutions. Nepal Industrial Development Corporation, a state-owned development finance organization headquartered in Kathmandu, was established in 1959 with United States assistance to offer financial and technical assistance to private industry. Although the government invested in the corporation, representatives from the private business sector also sat on the board of directors. The Co-operative Bank, which became the Agricultural Development Bank in 1967, was the main source of financing for small agribusinesses and cooperatives. Almost 75 percent of the bank was state-owned; 21 percent was owned by the Nepal Rastra Bank, and 5 percent by cooperatives and private individuals. The Agricultural Development Bank also served as the government's implementing agency for small farmers' group development projects assisted by the Asian Development Bank (see Glossary) and financed by the United Nations Development Programme. The Ministry of Finance reported in 1990 that the Agricultural Development Bank, which is vested with the leading role in agricultural loan investment, had granted loans to only 9 percent of the total number of farming families since 1965. Since the 1960s, both commercial and specialized banks have expanded. More businesses and households had better access to the credit market although the credit market had not expanded.

In the mid-1980s, three foreign commercial banks opened branches in Nepal. The Nepal Arab Bank was co-owned by the Emirates Bank International Limited (Dubai), the Nepalese government, and the Nepalese public. The Nepal Indosuez Bank was jointly owned by the French Banque Indosuez, Rastriya Banijya Bank, Rastriya Beema Sansthan (National Insurance Corporation), and the Nepalese public. Nepal Grindlays Bank was co-owned by a British firm called Grindlays Bank, local financial interests, and the Nepalese public. Nepal Rastra Bank was created in 1956 as the central bank. Its function was to supervise commercial banks and to guide the basic monetary policy of the nation. Its major aims were to regulate the issue of paper money; secure countrywide circulation of Nepalese currency and achieve stability in its exchange rates; mobilize capital for economic development and for trade and industry growth; develop the banking system in the country, thereby ensuring the existence of banking facilities; and maintain the economic interests of the general public. Nepal Rastra Bank also was to oversee foreign exchange rates and foreign exchange reserves. Prior to the establishment of Nepal Rastra Bank, Kathmandu had little control over its foreign currency holdings. Indian rupees were the prevalent medium of exchange in most parts of the country. Nepalese currency was used mostly in the Kathmandu Valley and the surrounding hill areas. The existence of a dual currency system made it hard for the government to know the status of Indian currency holdings in Nepal. The exchange rates between Indian and Nepalese rupees were determined in the marketplace. Between 1932 and 1955, the value of 100 Indian rupees varied between Rs71 and Rs177. The government entered the currency market with a form of fixed exchange rate between the two currencies in 1958. An act passed in 1960 sought to regulate foreign exchange transactions. Beginning in the 1960s, the government made special efforts to use Nepalese currency inside the country as a medium of exchange. It was only after the signing of the 1960 Trade and Transit Treaty with India that Nepal had full access to foreign currencies other than the Indian rupee. Prior to the treaty, all foreign exchange earnings went to the Central Bank of India, and all foreign currency needs were provided by the Indian government. After 1960 Nepal had full access to all foreign currency transactions and directly controlled its exports and imports with countries other than India.

As a result of the treaty, the government had to separate Indian currency (convertible currency because of free convertibility) from other currencies (nonconvertible currency because it was directly controlled by Nepal Rastra Bank). In 1991 government statistics still separated trade with India from trade with other countries. Tables showing international reserves listed convertible and nonconvertible foreign exchange reserves separately. In the context of Nepal having adopted an open economy, an excessive level of liquidity will initially exert ressure on the balance of payments and foreign exchange reserve and subsequently cause adverse effects on he domestic price situation. Thus, it will be necessary to maintain a balanced monetary position to attain the conomic growth rate envisaged in the plan. The sustainable economic growth can only be achieved if the onetary balance is maintained. Another important objective of monetary management is to achieve maximum mobilisation of internal resources. The monetary policy needs to be oriented towards encouraging the people to save through the creation of a competitive environment among banks and financial institutions and motivating the desirous entrepreneurs to mobilise the available resources through the collection of' the scattered savings in production and employment generating programme in the country. In this perspective, it is necessary along with a planned process of economic development to initiate programmes that can create new financial bases for the economy, consolidate the existing ones and encourage healthy competition. A review of the requirements and availability of resources reveals that there is a tremendous resource gap between resource requirements arid its availability in the country; this is indeed indicative of the fact that a large share of private savings is still lying outside the domain of institutional systems, In this context, an efficient mobilisation of internal resources can further enhance the participation of the private sector in the economic development of the nation.

Lists of Licensed Commercial Banks (Till May 24, 2009 A.D)

Date of Establishment (A.D) 1937/11/15 1966/01/23 1984/07/16 1886/02/27 1987/01/30 1993/01/18 1993/07/07 1993/06/05 1994/10/18 1995/03/12 1996/10/14 1998/07/17 1998/07/21 2000/10/03 2001/04/03 2002/04/03 2002/12/24 1968/10/19 2007/01/02 2007/06/21 2007/09/24 2007 2007 2001/02/01 2008/05 2009/05/07

S.NO 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. 23. 24. 25. 26.

Name of Bank Nepal Bank Ltd Rastriya Banijiya Bank Nabil Bank Ltd. Nepal Investment Bank Ltd. (NBIL) Standard Chartered Bank Himalayan Bank Ltd Nepal SBI Bank Ltd. Nepal Bangladesh Bank Ltd. Everest Bank Ltd. Bank of Kathmandu Ltd Nepal Credit & Commercial Bank Ltd. Lumbini Bank Ltd. Nepal Industrial & Commercial Bank Ltd. Machhapuchhre Bank Ltd. Kumari Bank Ltd. Laxmi Bank Ltd. Siddhartha Bank Ltd. Agricultural Development Bank Ltd. Global Bank Ltd. Citizens Bank Int Ltd. Prime Commercial Bank Ltd. Sunrise Bank Ltd. Bank of Asia Ltd. DCBL Bank Ltd. NMB Bank Ltd. KIST Bank Ltd.

Head Office Dharmapath, Kathmandu Shingadurbar plaza, Kathmandu Shingadurbar plaza, Kathmandu Durbarmarg, Kathmandu New Baneshwor , KTM Thamel Kathmandu Hattisar , KTM New Baneshwor, KTM Lazimpat, KTM Kamaladi, KTM Siddarthanagar, KTM Narayangadh, Chitwan Biratnagar, Morangq Prithvi Chowk, Pokhara Putalisadak, KTM Adarshanagar,Birgung Kamaladi, KTM Ramshahpath, KTM Birjung, Parsa Kamaladi, KTM Newroad, KTM Garidhara, KTM Tripureshwor, KTM Kamaladi, KTM Babarmahal, KTM Anamnagar, KTM

Source: www.nrb.org.np

Introduction of Bank of Kathmandu

Bank of Kathmandu Limited has become a prominent name in the Nepalese banking sector. Bank of Kathmandu Ltd. Has become a glorify there corporate slogan We make your life easier. For the success of the above slogan Bank of Kathmandu is committed to deliver quality service to customers, generating good return to shareholders , providing attractive incentives to employees and serving the community through stronger corporate social responsibility endeavor. Bank of Kathmandu Limited (BOK) has today become a landmark in the Nepalese banking sector by being among the few commercial banks which is entirely managed by Nepalese professionals and owned by the general public. BOK started its operation in March 1995 with the objective to stimulate the Nepalese economy and take it to newer heights. BOK also aims to facilitate the nation's economy and to become more competitive globally. To achieve these, BOK has been focusing on its set objectives right from the beginning. To highlight its few objectives: To contribute to the sustainable development of the nation by mobilizing domestic savings and channeling them to productive areas

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

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

FINACLE

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

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

Board of Directors

Mr. Narendra Kumar Basnyat Chairman

Mr. Satya Narayan Manandhar Director

Mr. Bijaya Krishna Shrestha Director

Mr. Ramesh Nath Dhungel Director

Mr. Govinda Prasad Sharma Director

Dr. Hem Raj Subedee Director

Mr. Bishnu Prasad Banjade (Rep. of Rahul Investment P. Ltd) Director

Product of BOK
Product and Services Provide by BOK :1. Deposit Products : a. Current Account: To suit every business need BOK has tailor made Current account which rightly meets your needs in today's faced paced business. With advanced technological features all your banking needs are well taken care of. You can have access to your account from all our BOk branches in just few seconds. Features Minimum Balance - NPR 10,000 in Kathmandu Valley Branches and NPR 5,000 in Outside Valley Branches Facilities i. Anywhere Branch Banking Services ii. Extended Banking Hours in Kathmandu Valley Branches iii. Standing Instruction is accepted looking at the feasibility of the request. iv. Cash Management v. Free Chequebook b. Saving: Bank savings accounts are a critical part of everybody's financial picture. If you need a safe place to keep money, a bank savings account is often a good choice. Heres a quick review of what savings accounts are and why you might want to have a bank savings account. Saving account has some of the benefits listed below: 1. Easy access to Bank saving account. 2. Bank saving account grows your money. 3. Bank saving account are relatively save. Some of the facilities given by BOK in saving account listed below: i. Ladder Saving: Ladder Savings of BOk not just helps you to save money but also helps your money to grow, with competitive interest rates on daily balance. This power packed account is well packaged with all the various banking services. You can earn interest up to 4.25% on daily balance in this savings scheme. Features 1. Interest is given on daily balance depending upon the amount deposited. 2. Minimum balance to be maintained in this account is Rs.50,000 only.

3. Ledger fee of Rs.200 will be deducted from the account if the minimum balance is not maintained. Facilities 1. Free Anywhere Branch Banking Services 2. Free stop payment processing 3. Free SMS banking. 4. TC/BD issuance at special discount rate. 5. ATM Card (No Issuance charge). 6. Free Good for Payment. 7. Free Balance Certificate issuance. 8. On demand account statement. 9. Unlimited withdrawals. 10. Free Inward Service

ii. General Saving : General Saving offers competitive rate of interest on daily balance. Features 1. Minimum balance to be maintained Rs. 15,000 only for Kathmandu Valley branches and Rs. 5000 for outside valley branches. 2. Interest is given on daily balance. Facilities 1. Anywhere Banking Service. 2. Free Cheque book 3. Extra hour banking services through evening counters(in Kathmandu Valley 4. Non-restricted transactions for deposits and withdrawals 5. ATM for easy transactions. 6. Mobile Phone Bill Payment Services ( at standing instruction)

iii. Call Accounts : To manage large volume of surplus funds of your organization you can open an Operative Call Account at Bank of Kathmandu and can earn additional earnings for your excess funds. Features 1. Either current or saving account to be maintained 2. Interest Calculated on Daily Balance. 3. Withdrawals from this account should be pre-informed.

4. Deposits will be accepted only during working hours only. 5. Cheque book will not be issued for this account. iv. Term Deposite : 1. Fixed Deposite : Tenure ranging from seven days to over three years, Fixed Deposit at Bank of Kathmandu allows you to diversify your portfolio to best suite your investment plan.

Features: I. II. One master account (i.e. Savings or Current) is required to be maintained with the bank. Interest will be given at maturity.

III.

Minimum amount to be deposited is Rs.50, 000.

Facilities 1. Standing instruction or specific instruction could be given at the time of account opening. Documentation 1. For organization, a Board minute is required. 2. For Individual 2 set of photographs and the copy of citizenship is required v. Recurring Deposits : To build up your savings BOk has introduced Recurring Savings Scheme where in monthly equated deposits over a fixed period of time yields higher returns. 1. Kopila Bachat Yojana for minors 2. Mero Bachat Yojana for young age group Features
1. Flexible deposit facility. 2. Account for children below 16 years of age for Kopila Bachat and above 16 years for Mero Bachat. 3. No automatic closure. 4. Quarterly interest payment. 5. Loan up to 90% available against the total account balance. 6. Minimum balance in multiples of Rs. 1000 inside valley & multiples of Rs 500 outside valley. 7. Depending upon your requirement, savings plan for Recurring Saving Scheme can range form 2 to 10 years.

2. Loan & Advances:

A. Corporate Credit (Loan): 1. Project Finance (Term Loan):

Based on the viability of the project/proposal, Term Loan to finance the long-term financing need of a firm/company may be made available. This loan is normally provided up to 65% of the financing requirement with a maximum tenure of 60 months. Terms could vary depending upon the need of the project. 2. Working Capital Finance: Based on the nature of a business/transaction, various types of working capital facilities/loans may also be availed. Some of the commonly offered products under this category are as follows: i. Overdraft: This revolving/open term facility enables a firm/company to manage their varying daily cash requirement.

ii. Demand / Short-term loan (Trade Finance): These facilities are normally provided to support one-off or any particular shortterm transactions. iii. Trust Receipt/ Importers Loan (Trade Finance): Majority of the businesses in Nepal depend on imported items. Short-Term Trust Receipt Loans are the most common/popular product available to finance such requirement. iv. Export Loan: Export loan facilitates to the exporters to process/collect stocks for exports. 3. Consortium Lending / Finance / Credit: Bank of Kathmandu has developed skills in syndicating large project loans and has successfully applied them in tying-up a number of large deals.

3. Business Credit (Small & Medium): 1. Demand / Short-term loan (Trade Finance): These facilities are normally provided to support one-off or any particular shortterm transactions. 2. Trust Receipt/ Importers Loan (Trade Finance): Majority of the businesses in Nepal depend on imported items. Short-Term Trust Receipt Loans are the most common/popular product available to finance such requirement. 3. Other Types of Business Credit (Loan): i. Loan against Fixed Deposit: Loan against fixed deposit enables you to manage the short-term cash need without breaking the deposits. ii. Loan Against Govt. Bond / 1st Class Bank Guarantee: A low cost secured loan product offered to you for managing your financing need. iii. Priority Sector/ Deprived Sector Loan: By virtue of this product small entrepreneur/individual may also avail loan up to NPR 2.5 million. iv. Consortium Financing: Bank of Kathmandu has developed skills in syndicating large project loans and has successfully applied them in tying-up a number of large deals. 4. Consumer Lending / Retail Credit : 1. Housing Loan:

Financing accommodation facility for individuals. Key terms:

Interest Rate: 9.5% p.a - 11% p.a Processing Fee: 1% Payment Fees: 0.5% p.a if prepaid within one year 1% flat if prepaid after one year Maximum Finance: 70% of the eligible expenses. Repayment System: Equated Monthly Installment. Tenure: Maximum 20 years.

2. Vehicle Loan:

i. Car4U Loan Financing cars, vehicles for private use. Key terms:

Maximum Tenure Up to 8 years Interest rate 9% p.a - 10.5% p.a Processing fee 1 percent Maximum Finance: 80% of the cost of vehicle Maximum Tenure upto 6 years

ii. LCV Loan / Buses Financing micro/ mini buses to be operated on commercial basis. Key terms:

Indicative interest rate 12.0% Financing up to 70% of the vehicle Maximum Tenure of 4 years

iii. LCV Loan / Trucks Financing brand new pick up trucks to be operated for transaction of goods. Key terms:

Indicative interest rate 11.5% Financing up to 70% of the vehicle Maximum Tenure of 3 years

3. Education Loan:

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

Maximum Tenure Up to 10 years Interest rate 11% p.a. Processing fee 1% Prepayment Fee 0.5% p.a on the prepaid amount within 1 year, 1% flat on prepaid amount after 1 years Restructing fee 0.25% p.a Loan Swap fee 2% p.a. on the outstanding amount

4. Festivity Loan:

Key terms:

Maximum Tenure Up to 10 years Interest rate 11% p.a Processing fee 1% Prepayment Fee 2 % flat on the prepaid loan

5. Foreign Employment Loan: Financing eligible individuals recommended by His Majestys Government going abroad on a pre arranged employment through a recognized emplo9yment agency . Key terms: Indicative interest rate 11%. Financing up to NRP 100,000 or 80% of the Cost whichever is lover. Maximum, Tenure of 18 Months.

5. Development Credit: The goal of Development Credit is to provide quality financial services to marginalized groups and poorer sections of society through intermediaries e.g. Micro Finance Institutions, Co-operatives, Financial Intermediary Non Governmental Organizations, Development Banks, Community Based Organizations and other registered organizations. Products: 1. General Micro Finance This product has been devised for financing general micro finance loans to clients through partner institutions involved in offering Micro Finance services. A micro finance loan is defined as a loan used for various income generating activities including, but not limited to, purchase of livestock, loans for mini-grocery stores, vegetable loans, etc. Non-income generating loans such as installing bio-gas units shall also be availed but only with prior approval from Bank of Kathmandu. 2. Agriculture and Forest Based Product Loan: The product has been devised to allow farmers, agricultural cooperatives, community forest user groups and other registered institutions engaged in producing and processing agricultural and forest based products to have access to finance for funding working capital requirements, plantation expenditures and purchasing livestock and accessories. 3. Equpment Finance: The product aims to finance the cost of equipments of various purposes to individuals, groups and institutions operating Small and Medium Enterprises with an objective to raise income in rural and urban areas of Nepal. 4. Vehicle and Accessories Finance: The product has been devised for financing vehicles and vehicle related accessories to self-employed low income earning entrepreneurs. Loans will be of a Hire Purchase and on an owner-driver concept.

6. Other Products & Service: Development Credit International Trade ( Letter of Credit , Bank Guarantees etc.) Global Banking Solutions (E-Fund Transfer) SWIFT Transfer Demand Draft Travelers Cheque Remittance Debit Card / ATMS Salary Management Cash Management Gift Cheque Safe Deposit Locker Gift Cheque Safe Deposit Locker NRN Banking BOK Visa Credit Card Capital Structure:

Particulars Authorized Share Capital Issue Share Capital Paid Up Capital Share Ownership: Particulars Promoters Public Share Holder Total BOK Branches : Percentage (%) 42% 58% 100%

Amount (Rs.) 1000000000 603141300 603141300

Amount (Rs.) 252170000 350971300 603141300

S.No. 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. 23. 24. 25. 26.

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

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

27.

Bhaktapur Branch

Suryabinayak, Bhatapur

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

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

As a true corporate citizen BOK has contribution towards the betterment of the society in every way possible. With endless possibilities, BOK aims at doing the most, in diverse avenues. Be it organizing HIV/AIDS walkathon, blood donation program or keeping environment clean, BOK constantly endeavors to reach out to those that need most support. 1. BOK has been supporting the deprived student of help to the helpless counsil ( DHARAN ) through its educational support program. 2. BOK supported a scholarship program organized by development and Equity for woman empowerment, Nepal for underprivileged students. 3. BOK with a mission to support BAL Mandir orphans Project, Naxal, supported 2nd annual dinner fundraiser at 1905, Kantipath. Organized by Nepal; Childrens Organization. 4. BOK made an effort to help schools in remote areas ( Far Western Region, Nepal ) 5. in order to enhance the quality education in that area by supporting a pilot Adop-ASchool program launched by asave the childrean Kathmandu. 6. As a mission to create awareness and support for the treatment and rehabilitation center for disabled children, BOK supported Hospital and Rehabilitation Center for disabled children ( HRDC ) to host the 3rd CMS Abilities Cup 2008. 7. BOK made an effort to create an opportunity for the disabled children to be self employed by providing them with computer trainings by supporting skill Development and Rehabilitation Center for Disable-Nepal. 8. BOK distributed clothes to the flood victims of Bank Districts through Hridaya Group Social Youth Organization. 9. As a part of its commitment to be socially responsible, BOK organized its 2nd of the knowledge series one day workshop seize the future- A Visionary Leadership

10.

11.

12.

13. 14.

15.

Workshop . The proceeds form the workshop plus an addition of two hundred and fifty thousand rupees were contributed to Hospital and Rehabilitation center for disable children ( HRDC ) in order to support the disabled children of Nepal. Furthermore, the workshop was organized with an aim to create a perspective for the participant on both internal and external challenges that he/she is facing in leading the organization and to help them develop a plan of action to successfully tackle the challenges. BOK is a committed supporter to TEWA in its Endeavour in building equitable, just and inclusive society (with special focus on Woman ) by increasing self reliance of Nepalese by reducing dependency on foreign donors. BOK has been supporting TEWA to organize many fund raising events in the past years. TEWA with support of BOK recently organized Deep Prajwalan a fund raising event in support of rural Nepalese womens groups for promoting equitable justice and peace in the society. To make the world HIV/AIDS day, Bank of Kathmandu decided to do something different this time and donated full set of clothes and foodstuffs to 22 HIV positive children of Keta Keti Ashram, Bansbari and Kathmandu. BOK joined hands with Traffic police post, Gaushala wigh an attempt to convey the Traffic social Massages by helping place banners in public vehicles ( with Traffic Massages ) in order to create social awareness among the people regarding the traffic rule. BOK joined hands with Naxal Yuva Mandal in order to restore Naag Pokhari with its mission towards CSR focusing environment activities.

Branch & Network of Bank of Kathmandu

Head Office
Bank of Kathmandu Limited, P.O. Box 9044, Kamal Pokhari, Kathmandu, Nepal SWIFT: BOKLNPKA Telex: 2820 BOK NP Tel: (977 1) 4414541 Fax: (977 1) 4418990 Email: info@bok.com.np

Kamal Pokhari Branch

Bank of Kathmandu Limited Kamalpokhari, Kathmandu, Nepal Tel: (977 1) 4414541 Fax: (977 1) 4418990 Email: info@bok.com.np Branch Manager: Girija Malla

Thamel Branch
Bank of Kathmandu Limited Thamel, Kathmandu, Nepal Tel: (977 1) 4701201, 4701202 Fax: (977 1) 4410143 Branch Manager: Ajupa Shrestha

New Road Branch

Bank of Kathmandu Limited New Road, Kathmandu, Nepal Tel: (977 1) 4231556, 4231557 Fax: (977 1) 4223279 Branch Manager: Thaman B Khatri

Butwal Branch
Bank of Kathmandu Limited Rajmarg Chaurha, Butwal, Rupandehi, Nepal Tel: (977 71) 541692/5417740 Fax: (977 71) 541642 Branch Manager:

Hetauda Branch
Bank of Kathmandu Limited, Main Road, Hetauda, Makawanpur, Nepal Tel: (977 57) 521331 Fax: (977 57) 523018 Branch Manager: Ranjitsore Malla

Nepalgunj Branch
Bank of Kathmandu Limited Nepalgunj, Dhamboji, Surkhet Road Banke, Nepal Tel: (977 81) 523185, 523484 Fax: (977 81) 523187 Branch Manager: Mahesh Mishra

Dhangadhi Branch
Bank of Kathmandu Limited Dhangadhi, Main Road Chauraha, Kailali, Nepal Tel: (977 91) 523386 Fax: (977 91) 522853 Branch Manager: Surendra Bahadur Shahi

Pokhara Branch
Bank of Kathmandu Limited Newroad, Pokhara, Gandaki, Nepal Tel: (977 61)539150 Fax: (977 61) 539151 Branch Manager: Jit Bahadur Saru

Biratnagar Branch
Bank of Kathmandu Limited Main Road, Biratnagar, Koshi, Nepal Tel: (977 21) 536904, 536905 Fax: (977 21) 536906 Branch Manager: Sushma Maskey

Birgunj Branch
Bank of Kathmandu Limited Adarsha Nagar, Parsa, Birgunj, Nepal Tel: (977 51)534025, 534026 Fax: (977 51) 534027 Branch Manager:Dipendra Budathoki

Amlekhgunj Branch
Bank of Kathmandu Limited Mainroad,Bara, Amlekhgunj, Nepal Tel: (977 53)570033 Fax: (977 56) Branch In-charge: Rudra Raj Ghalan

Itahari Branch
Bank of Kathmandu Limited Paschim Line, Itahari-1,Sunsari, Nepal Tel: (977 25) 586710, 586711 Fax: (977 25) 586712 Branch Manager: Anjani Kumar Subedi

Janakpur Branch
Bank of Kathmandu Limited Station Road, Dhanusha, Janakpur, Nepal Tel: (977 41) 527372 Fax: (977 41) 527373 Branch Manager: Naresh Baskota

Kohalpur Branch
Bank of Kathmandu Limited Kohalpur, Dus Bigha-13, Banke, Nepal Tel: (977 81) 541343 Fax: (977 81) 541344 Branch Incharge: Kalpana Pudasaine

Gongabu Branch
Bank of Kathmandu Limited, Gongabu, Samakhusi Chowk, Kathmandu, Nepal Tel: (977 1) 4385711, 4385712 Fax: (977 1) 4385573 Branch Manager: Surendra Madhikarmi

Tatopani Branch
Bank of Kathmandu Limited Liping, Tatopani, Sindhupalchowk, Nepal Tel: (977 19) 633026 Fax: (977 19) 633026 Branch Incharge: Pradip Khadka

Jawalakhel Branch
Bank of Kathmandu Limited Lalitpur, Nepal Tel: (977 1) 5524624, 5526228 Fax: (977 1) 5523632 Branch Manager: Chiranjivi Bista Ghorahi Branch Bank of Kathmandu Limited Naya Sadak, Ghorahi, Dang, Nepal Tel: (977 82) 561951, 561952 Fax: (977 82) 561953 Branch Manager: Chhabi Kumar Subedi Jumla Branch Bank of Kathmandu Limited Chandan Nath VDC 6, Jumla, Karnali, Nepal Tel: (977 87) 520298 Fax: (977 87) 520300 Branch Incharge: Bikrant Shahi Attariya Branch Bank of Kathmandu Limited Geta V.D.C.-03, Dhangadhi Road, Attariya, Kailali, Nepal Tel: (977 91) 550921 Fax: (977 91) 550969 Branch Incharge: Sagar Ojha Gyaneshwor Branch Bank of Kathmandu Limited Gyaneshwor, Kathmandu, Nepal Tel: (977 1) 4411181 Fax: ( 977 1) 4412278 Branch Manager: Prajwal Pant Chabahil Branch Bank of Kathmandu Limited Chabahil Chowk, Kathmandu, Nepal Tel: (977 1) 4499744 Fax: (977 1) 4490955 Branch Manager: Santosh H. Adhikari Tikapur Branch

Surkhet Branch
Bank of Kathmandu Limited Birendra Chowk Birendranagar-6, Surkhet, Nepal Tel: (977 83) 523663, 523664 Fax: (977 83) 523665 Branch Incharge: Karna Bahadur Bhandari

Tulsipur Branch
Bank of Kathmandu Limited Ka Line BP Chowk, Tulsipur, Dang, Nepal Tel: (977 82) 522691, 522692 Fax: (977 82) 522693 Branch Incharge: Praveen Shah Balaju Branch Bank of Kathmandu Limited Balaju Industrial District (BID), Balaju, Kathmandu, Nepal Tel: (977 1) 4357713, 4380554 Fax: (977 1) 4357284 Branch Manger: Meena Singh New Baneshwor Branch Bank of Kathmandu Limited New Baneshwor, Kathmandu, Nepal Tel: (977 1) 4460699 Branch Manager: Nirmal Acharya Tripureshwor Branch Bank of Kathmandu Limited, Tripureshwor,Kathmandu, Nepal Tel: (977 1) 4229271, 4229272 Fax: (977 1) 4229279 Branch Manager: Ek Raj Rawa Bhaktapur Branch

Bank of Kathmandu Limited Suryabinayak, Bhaktapur, Nepal Tel: (977 1) 6619334, 6619335 Fax: (977 1) 6619336 Branch Manager: Kabiraj Khatri Guleriya Branch Bank of Kathmandu Limited Radha Krishna Chour, Guleria, Nepal Tel: 084-421215 Fax: 084-421214 Branch Manager: Virat Bikram Verma Urlabari Branch Bank of Kathmandu Limited Urlabri-4, Itahara Road, Urlabari, Nepal Tel: 021-541881, 541882 Fax: 021-541883

Bank of Kathmandu Limited Jamara Pari, Manuwa Road, Tikapur-09,kailali, Nepal Tel: 091-561181 Fax: 091-561182 Branch Manager: Yagya M. Pandit Dadeldhura Branch Bank of Kathmandu Limited Tuphandada, Amargadi-05, Dadeldhura, Nepal Tel: 096-420094 Fax: 096-420093 Branch Manager: Ashutosh Khadka

ATM LOCATIONS
BOK owned ATMs Bank of Kathmandu Limited, Kamal Pokhari, Kathmandu Bank of Kathmandu Limited, New Road, Kathmandu Bank of Kathmandu Limited, Supreme Court, Singha Durbar, Kathmandu Bank of Kathmandu Limited, Krishna Tower, New Baneshwor, Kathmandu Bank of Kathmandu Limited, Jawalkhel, Lalitpur Bank of Kathmandu Limited, Nepalgunj Bank of Kathmandu Limited, Pokhara Bank of Kathmandu Limited, Namche Bank of Kathmandu Limited, Surkhet Bank of Kathmandu Limited, Ghorahi Bank of Kathmandu Limited, Butwal Bank of Kathmandu Limited, Chabahil, Chuchhepati, Kathmandu Bank of Kathmandu Limited, New Baneshwor Bank of Kathmandu Limited, Thamel Bank of Kathmandu Limited, New Road Lounge, Dharmapath Bank of Kathmandu Limited, Gyaneshwor Bank of Kathmandu Limited, Tripureshwor Bank of Kathmandu Limited, Kumaripati Lounge Bank of Kathmandu Limited, Kohalpur Bank of Kathmandu Limited, Tikapur Bank of Kathmandu Limited, Guleriya Bank of Kathmandu Limited, Bhaktapur Bank of Kathmandu Limited, Attariya Bank of Kathmandu Limited, Gongabu Bank of Kathmandu Limited, Hetauda Bank of Kathmandu Limited, Birgunj Bank of Kathmandu Limited, Janakpur Bank of Kathmandu Limited, Biratnagar Bank of Kathmandu Limited, Itahari Bank of Kathmandu Limited, Chabahil Bank of Kathmandu Limited, Om Hospital ATM location under SCT Network: Inside Valley: 1. Himalayan Bank Limited, Thamel. 2. Himalayan Bank Limited, Newroad. 3. Himalayan Bank Limited, Patan. 4. Himalayan Bank Limited, Mangal Bazar 5. Himalayan Bank Limited, Maharajgunj.

6. Himalayan Bank Limited, Bhaktapur. 7. Himalayan Bank Limited, New Road (Near Hot Breads.) 8. Bank of Kathmandu, Kamaladi. 9. Bank of Kathmandu, New Road. 10. Everest Bank Limited, New Baneshwor. 11. Everest Bank Limited, Khicha Pokhari, New Road. 12. Everest Bank Limited, Pulchowk. 13. Everest Bank Limited, TIA (Airport.) 14. Laxmi Bank Limited, Hattisar. 15. NCC Bank Limited, Chabahil. 16. NCC Bank Limited, Bagbazar. 17. Machhapuchchhre Bank limited, Putali sadak. 18. Blue Bird Department Store, Lazimpat. 19. Blue Bird Department Store, Tripureshwor. 20. Nanglo, Durbarmarg. 21. Hotel Garuda, Thamel. 22. Metro Mall Soaltee Compound, Tahachal. 23. Big C Shopping Center ,Gaushala, Kathamadu. 24. NIC Bank Limited, Kamaladi 25. Lumbini Bank Limited, Durbarmarg. 26. Suvam Convenience Store, Maharjgunj. 27. BhatBhateni Department Store, BhatBhateni. 28. Nabil Bank Limited, Kantipath 29. Nabil Bank Limited, New Road. 30. Nabil Bank Limited, Kupondole. 31. Nabil Bank Limited, Maharajgunj. 32. Thamel Mart, Thamel. 33. Bakery Caf, Tridevi Marg, Thamel. 34. Gemini Grocer, Bouddha, Tushal. 35. Bhaktapur Durbar Square, Bhaktapur. 36. Nepal Bangladesh Bank Limited, Kathmandu Plaza. 37. Nepal Bangladesh Bank Limited, Kumaripati. Outside the Valley: 38. Laxmi Bank Limited, Banepa. 39. Laxmi Bank Limited, Birgunj. 40. Bank of Kathmandu Limited, Pokhara. 41. Sudesh Emporium, Chipledhunga, Pokhara 42. NIC Bank Limited, Biratnagar 43. Machhapuchchhre Bank Limited, Jomsom 44. Lumbini Bank Limited, Narayanghad. 45. Nabil Bank Limited, Biratnagar. 46. Nabil Bank Limited, Dharan. 47. Nabil Bank Limited, Butwal. 48. Chipledhunga, Pokhara.