CENTRE FOR SELF-HELP DEVELOPMENT (CSD)
Self-Help Banking Program
Statement of Income and Expenditure
and
Balance Sheet
FY 2064/065 (2007/08)
,'f.
Centre for Self-help Development (CSD)
P. O. Box 8852 Dillibazar, Kathmandu
Tel # 4425597/4424787/4424766
Fax # 977-1-4430363
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CENTRE FOR SELF-HELP DEYELO'PMENT(CSO)
SELF-HELP BANKINGPROGRAM (SBP)
Balance Sheet as on 31 Ashadh 2065 (15 July, 2008)
Particulars
Previous Year
Rs.
Schedule
Current Year
Rs.
ASSETS
191,614.20
2,938,290.87
124,113,200.08
15] ,057,886.40
/57,498,090.00
6.440,203.60
4,172,325.35
2,953.107.32
40,652.00
1,362,191.50
584,872.14
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(453,410.59)
I
2
3
4
Cash in Hand
Cash at Bank- Current Account
1
I
1
Cash at Bank -Interest Bearing Deposits
Loan Portfolio
2
3
4
5
6
7
8
9
4./ Loan Outstanding
4.2 ProvisionJor Loan Loss
5 Investment in S.B. Bank Ltd.
6 Sundry Debtors & Advances
7 Service Deposit
8 Property and Equipment
9 Stationery Stock
10 Branch Account
Total
286,960,729.27
206,319.;36
6,837,725.04
168,955,452.59
]85, 179,394.80
/93,457,047.00
8,277,652.20
3, ]47,553.35
3,738,329.07
88,402.00
1,834,427.47
669,121.47
2,685,342.00
373,342,067.15
LIABILITIES
1,153,998.25
193,095,996.00
I
2
3
4
(I 8,588,693.77)
69,240,306.00
5
477,345.02
34,065,199.90 6
5,020,986.47 7
54,311.40 8
9
2,400,000.00
41,280.00 10
Loan (Grameen Trust)
Bank Loan (Deprived Sector)
CSD, General
10
II
129,226.25
232,42 I,662.00
Clients Deposit
Interest Payable
General Reserve
Other Funds
Sundry Creditors
Project Advance (Supporting Agencies)
Development Reserve
]2
13
14
15
16
17
18
(22,00 I,811.66)
108,377,519.50
451,580.14
43,819,041.11
7,040,368.73
695,075.68
2,400,000.00
9,405.40
Total
286,960,729.27
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Executive DIrector
373,342,067.15
Governing Board of Directors
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N. K. "-_0
loshi& Co.
Ch al}ef~d.A c'c~uritants
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CENTRE FOR SELF-HELP DEVELOPMENT (CSD)
SELF-HELP BANKING PROGRAM (SBP)
Statement of Income and Expenditure
Shrawan 1, 2064 - Ashadh 31, 2065 (July 17, 2007 - July 15, 2008)
Particulars
Previous Year
Rs.
Schedule
.
INCOME
33,034,738.30
Current Year
Rs.
I. Interest Income
982,099.46 2. Other Income
19
48,247,752.73
20
670,680.53
Total
34,016,837.76
48,918,433.26
EXPENDITURE
13,756,759.88 1. Operational Expenditure
21
21,827,192.22
22
199,242.00
9,967,186.94 3. Interest Expense
23
14,787,121.37
5,530,040.02 4. Provision for Loan Loss Expenses
24
1,997,270.20
176,285.00 2. Program Support Expenditure
'.) ,
Total
38,810,825.79
Surplus
10,107,607.47
29,430,271.84
4,586,565.92
Appropriation
A/C
91;7,11.31 I. Provision for Protection Scheme(Livestock )
202,152.15
45,865.66 2. Provision for Staff Welfare Fund
101,076.07
22,932.83 3. Provision for Staff Training Fund
50,538.04
4,586,565.92 4. Net Surplus transferred to General Reserve
9,753,841.21
Total
34,016,837.76
48,918,433.26
Governing Board of Directors
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Executive DIrector
N. K. Joshi & Co.
Chartered Accountants
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Schedule - I (Page-I)
SBP-Details of Cash and Bank Balance
Total ( A+B)
S.N.
Pa rticu lars
Amount
Rs.
Cash & due from Bank
Cash in Hand
Cash at Bank (Current Account)
Short Term Investment (Saving & Fixed)
I
2
Amount
Rs.
7,044,044.40
206,319.36
6,837,725.04
168,955,452.59
Total
175,999,496.99
A. Head Office, Kathmandu
Particulars
S. N.
1
2
Amount
Rs.
Cash & due from Bank
Cashin Hand
Amount
Rs.
3,163,417.66
3,163,417.66
Cash at Bank (Current Account)
Short Term Investment (Saving & Fixed)
167,303,813.09
Total
~
170,467,230.75
B. Field Office
Particulars
S.N.
----'
1
2
--
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,--
- -
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----
. --
Cash & due from Bank
1.I Cash in Hand
1.2 Cash at Bank (Current Account)
Short Term Investment (Saving & Fixed)
Amount
Rs.
----.,
- -
Amount
Rs.
--,
3,880,626.74
206,319.36
3,674,307.38
1,651,639.50
M
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Total
i
SBP-Details
II
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1,651,639.50
5,532,266.24
of Bank Balance
1 Head Office. Kathmandu
I
S.N.
Particulars
1
Bank Balance (Fixed Account & Savings Account)
1.1 Development Credit Bank
1.2 Global Bank Fixed
1.3 Development Credit Bank
1.4 Development Credit Bank
1.5 Machhapuchhre Bank Ltd.
1.6 Machhapuchhre Bank Ltd.
1.7 NDEP Bank Ltd.
1.8NDEP Bank Ltd.
1.9 NDEP Bank Ltd.
1.10 NDEP Bank Ltd.
1.11 NDEP Bank Ltd.
1.12 R. B. Bank
1.13 Kumari Bank
1.14 Sidhartha Bank Ltd.
1.15 Sidhartha Bank Ltd.
1.16 A.D. Bank
1.17 Global Bank Ltd.
Bank Balance (Current Account)
2.1 Himalayan Bank Ltd.
2.2 Nabil Bank Ltd.
2.3 Nepal Bank Ltd.
2.4 Nepal Investment Bank Ltd.
2.5 R. B. Bank (JFPR)
2.6 Standard & Chartered Bank Ltd.
2.7 NIC Bank Ltd
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Laxmi Bank (Current) 0003456
\
Ale.; Type
AIC No
F603411 FD 04
Fixed
Fixed
116010000060'
Fixed
F603411 FD 03
03411SC
Saving
16015240099
Call Deposit
Fixed
014440/07
Fixed
1031000034
Fixed
1031000037
Fixed
1O31000098
Fixed
1031000096
1081000022
Call Deposit
136001643610
Saving
012252400210102<
Saving
Fixed
F7028961FOI
004-028961 S
Saving
100575
Saving
0108010005281
Saving
Current
Current
Current
Current
Current
Current
Current
Current
10005970018
101O11679501
0135-11-0002236
1653800
136000230901
0419869 0 I
019510C-l
3456
Amount
Rs.
167,303,813.09
30,000,000.00
10,000,000.00
30,000,000.00
856,605.74
1,266,199.32
7,500,000.00
10,000,000.00
10,000,000.00
30,000,000.00
10,000,000.00
17,191,857.03
133,570.15
896,975.91
5,990,000.00
175,980.90
3,024,327.53
268,296.51
3,163,417.66
32,264.32
47,872.23
2,760,/9/.25
/58,601.84
10,000.00
63,541.20
80,22;.Q
o'ui:jfiir.52
Total
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170,46'7;;230.75
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Schedule - 1 (Page-2)
SBP-Detailsof Cash and Bank Balance
Field Office
S.N.
1
4
5
4.1 Nepal Bank Ltd. (Current) 3061/60
SBP, Lamahi
3
6
7
8
9
I
10
11
I
!
12
i
Amount
Rs.
SBP, AO, Kathmandu
1.1 Machhapuchre Bank Ltd. (Saving) 22283/86
SBP, AO, Ghorai
2.1 Agriculture Development Bank (Current)034230
SBP, Tulsipur
3.1 R.8o Bank (Current) 1619
3.2 R. 80 Bank (Saving) 11727
SBP, Ghorahi
2
Y
Particulars
328,029.88
283,315.63
5.1 R. B. Bank (Saving) 7481
SBP, Lubhu
6.1 Cash
445,526.51
6.2 Agricultural Development Bank 010290 (Current)
SBP, Sankhu
3,691.00
441,835.51
442,585.77
7.1 Nepal Bank Limited (581) (Current)
SBP, Bungamati
8.1 Neapl Bank Ltd. (Saving)# 16256/110
8.2 Shikharapur Cooperative (Current)
SBP, Banepa
9.1Agri. Dev Bank (Current)
SBP, Chuchepati
10.1 Nepal Bank Ltd. (Current ale) 1330
SBP, Taukhel
442,585.77
11.1 Agriculture Dev. Bank (Current)
340,078.42
559,889.95
505,385.95
54,504.00
407,666.94
407,666.94
318,065.53
318,065.53
340,078.42
SBP, Bhaktapur
138,974.48
138,974.48
82,143.58
50,584.82
31,558.76
514,332.50
146,854.10
223,047.44
18.2 Nepal Bank Ltd. (Current ale) 517
SBP, Thimi
235,760.00
19
19,1 Nepal Bank Ltd. (Current) 475
SBP, Sandhikharka
20,1 Cash
163,355.65
20
20.2 R.B Bank (Saving) 19203
SBP, Dhadingbesi
21.1 Cash
132,965.00
18
21
/A
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.
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----
5,812.00
29,775.40
171,898.48
171,898.48
223,047.44
235,760.90
0.90
133,179.11
214.11
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Total
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458,181.9-8\
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5,033.00.
453,148.08
2
I.
35,587.40
163,355.65
21.2 R.B.Bank (Current) 4627
-
22,773.80
17.1 Machhapuehhre Bank Limited 20-22-524 (Saving)
SBP, Lele
18.1 Cash
17
r;
439,562.71
12,400.63
427,162.08
367,478.40
16
I
23,421.47
23,421.47
14.2 Nepal Bank Ltd, (Current ale) 1330
SBP, Narayanpur
15.1 Cash
15.2 Agricultural Development Bank 044730 (Current)
SBP, Kirtipur
16.1 R.B.Bank (Current) 999
SBP, Panauti
15
:
48,204.64
22,773.80
12,1NepalBank Ltd. 19-11-12106(Current)
13 SBP, Panchkhal
13.1AnnapumaBikas Bank(Current)00019SD
13.2MachhaapuehercheBank(Saving)021395
14 SBP, Chautara
14.1 Cash
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Amount
Rs.
48,204.64
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S. N.
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
'f
S~hedule- 2
SBP - Details of Loan Outstanding
Particulars
sap
sap
sap
Sap
sap
sap
sap
sap
sap
sap
sap
sap
sap
sap
sap
sap
sap
sap
sap
Amount (Rs.)
19,955,980.00
18,849,570.00
] 1,384,800.00
10,783,620.00
17,470,615.00
8,605,920.00
] 1,871,720.00
14,673,620.00
10,509,810.00
11,227,600.00
9,475,570.00
8,843,880.00
6,515,320.00
8,312,430.00
7,769,070.00
4,176,260.00
7,759,560.00
Tulsi ur
Ghorahi.
Lamahi
Lubhu
Sankhu
Bun
Bane a
Chuche ati
Badegaun
Bhal
Panchakhal
Chautara
Nara anpur
Kriti ur
Paunati
Lele
Thimi
Sandhikharka
Dhadingbesi
3,125,842.00
2,145,860.00
Total
193,457,047.00
Schedule- 3
SBP - Details of Provision for Loan Loss
S.N.
I
2
3
4
5
6
7
8
9
10
II
12
13
14
15
16
17
18
19
~
Particulars
sap
sap
sap
sap
sap
sap
sap
sap
sap
sap
sap
sap
sap
sap
sap
sap
sap
sap
sap
Amount ffis.)
830,096.80
Tulsi ur
Ghorahi
Lamahi
Lubhu
Sanhku
Bun amati
Bane a
Chuche ati
Bade aun
Bhakt ur
Panchakhal
Chautara
Nara an ur
Kriti ur
Paunati
Lele
Thimi
Sandhikharka
Ohadingbesi
868,353.60
466,908.00
756,44'6.00
724,385.20
344,236.80
474,868.80
586,944.80
420,392.40
477,728.80
375,638.80
353,755.20
260,612.80
332,497.20
3] ],162.00
170,263.00
3] 2,328.00
]25,200.00
85,834.00'Jr..
Total
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8,277,652:20
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Schedule- 4
SBP - Details of Investment (SB Bank) Loan Portfolio
S.N.
Particulars
I
2
Swabalamban Bikas Bank (CSD-Loan)
Swabalamban Bikas Bank -(GT- Loan)
Total
Amount Rs.
3,018,327.10
129,226.25
3,147,553.35
Schedule- 5 (page-I)
SBP - Details of Sundry Debtors
S. N.
\ ,
I
Particulars
A
SBP. Total
Staff Advance
B
Others
2,570,383.13
A. SBP- Details Staff Advance
Particulars
S-:-N.
I
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
~i
Amount Rs.
3,738,329.07
1,167,945.94
Amounffis.
CSD/SBP Kathmandu
SBP (AO) Ghorai
SBP AO) Kathmandu
SBP Tulsi ur
SBP Ghorahi
SBP Lamahi
SBP Lubhu
SBP Sankhu
SBP Bun amati
SBP Bane a
SBP Chuche ati
SBP Bade aun
SBP Bhakta ur
SBP Panchkhal
SBP Chautara
SBP Nara an ur
SBP Kirti ur
SBP Panauti
SBP Lele
SBP Thimi
SBP Sandhikharka
SBP Dhadingbesi
74,238.94
24,000.00
3,000.00
75,480.00
132,050.00
51,969.00
132,969.00
45,400.00
18,500.00
79,100.00
78,482.00
35,564.00
80,000.00
3,900.00
73,700.00
50,050.00
18,700.00
44,723.00
22,720.00
73,450.00
42,950.00
7,000.00
Total
1,167,945.94
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Schedule- 5 (page-2) ,
B. SBP- Details of Other Sundry Debtors
S.N
I
2
3
I
2
Particulars
CSD Kathmandu
Other
Swabalamban Bikas Bank Ltd. Janakpur
Magnus consulting Groups
S.B.Bank Ltd (Receivable) SBP
CSD/SBP Field
Other Receivable (Ghorahi)
Receivable from JFPR - (Banepa)
Amount Rs.
2,540,730.13
-
2,400,000.00
120,000.00
20,730.13
29,653.00
13,938.00
15,715.00
Total
2,570,383.13
Schedule- 6
SBP-Details of Service Deposit
S.N.
I
2
3
4
5
6
7
8
9
to
II
]2
13
14
]5
]6
17
1,
~
Amount Rs.
12,652.00
3,000.00
5,000.00
5,000.00
5,000.00
5,000.00
5,000.00
5,000.00
4,750.00
3,000.00
5,000.00
5,000.00
5,000.00
5,000.00
5,000.00
5,000.00
5,000.00
Particulars
Nepal Telecom,Tulsipur
Nepal Tececom, Lamahi
Nepal Telecom, Sankhu
Nepal Telecom, Ghorahi, AO
Nepal Telecom, Ghorahi, BO
Nepal Telecom, Chuchepati
Nepal Telecom, Badegaun
Nepal Telecom, Bhapktapur
Nepal Telecom, Panchkhal
Nepal Telecom, Narayanpur
Nepal Tececom, Kirtipur
Nepal Tececom, Lubhu
Nepal Tececom, Thimi
Nepal Tececom, Banepa
Nepal Tececom, Panauti
Nepal Tececom, Sandhikharka
Nepal Tececom, Dhadingbesi
Total
88,402.00
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Particulars
SoNo/
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Steel
I
Wooden
Office
I
I
Field
Other
Total
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I
Furniture
Furniture
-
-
Head Office Kathmandu
2 IAreaOffice Ghorai
6,644.00
Equipment
Vehicle
Equipment
10,947.50
42,849.50
68,524.93
92,147.50
672,657.05
-
-
3,192.00
164,797.19
6,528.40
9,961.72
42,123.61
-
Ghorahi
7,980.00
9,379.75
25,043.66
-
3,231.50
Lamahi
6,184.56
14,942.63
31,001.84
-
7,063.39
8,073.36
14,623.75
8,406.00
-
8,484.75
Bun amati
13,015.00
19,455.50
7,231.50
3,982.70
-
-
58,913.73
4,470.00
50,104.91
2,892.48
62,084.90
39,587.86
-
-
82,538.50
43,588.75
3,886.75
-
32,848.00
6,584.00
3,863.00
Chuche ati
11,064.92
19,86\.25
5,812.75
4,643.25
4 1,382.I7
Badegaun
10,474.92
15,832.50
6,976.00
-
3,603.15
36,886.57
15,168.00
20,568.75
6,773.50
-
3,882.00
-
46,392.25
6,338.00
-
5,233.00
555.00
44,191.00
52,014.10
ISBP Chautara
I
ISSP Kriti ur
18 ISBP Paunati
18,415.00
23,817.70
15,465.80
7,358.30
-
5,372.30
-
11,340.00
17,725.00
15,188.00
-
3,825.00
-
48,078.00
14,244.00
19,346.50
6,165.65
4,889.00
-
44,645.15
3,714.43
-
33,110.99
-
36,955.00
12,952.10
13,273.12
-
4,064.00
21,090.00
-
6,631.00
4,094.00
38,631.00
18,874.00
4,201.00
-
4,865.00
280.00
36,188.00
5,742.75
-
34,493/75
7,748.00
14,521.00
2e ISBP Thimi
6,816.00
7,968.00
Sandhikharka
22 ISBP Ohadingbesi
Total
9,216.00
13,597.50
5,937.50
233,053.96
337,728.16
992,938.80
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rr
160,673.43
92,568.84
'
1-
h£
- .--.-.-
-
3,171.34
10,622.00
-
19 ISBPLele
ISSP
300.00
12,814.00
13,650.00
21
-
9,587.00
Bane a
17
741,539.28
1,900.00
4
1.00
-
-
65,456.37
43,891.55
34,606.05
357.30
1,323.50
13,093.14
23,939.75
I
3,691.87
10,573.00
20,009.00
I
Equipment
3
Sankhu
Books
assets
Non-durable
T"--''
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300.00 357.30
16,806.98
1,834,42'f7'1I' "0
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Schedule-8
SBP
Formats
I
Pass Book
I
Total
Head Office Kathmandu
50,095.97
2
SBP/AO Ghorai
72,383.51
3 ISBP/AO Kathmandu
47,889.29
4
SBP Tulsipur
10,689.78
1,053.15
11,742.93
SBP Ghorahi
32,178.92
34,309.82
SBP Lamahi
15,615.92
2,130.90
-
7
SBP Lubhu
50,950.44
4,849.25
55,799.69
8
SBP Sankhu
29,103.52
6,207.65
35,311.17
9 ISBP Bungamati
12;910.11
864.58
13,774.69
10 ISBP Banepa
13,122.89
1,318.64
14,441.53
11 SBP Chuchepati
I
III 65
20,60].34
54,910.0 I
-
125,607.32
72,383.51
47,889.29
15,615.92
20,130.82
2,273.65
22,404.47
12 SBP Baoegaun
6,500.94
1,666.00
8,166.94
13 SBP Bhaktpur
14 SBP Panchakhal
30,452.37
39,879.42
18,952.42
9,427.05
72.52
15 SBP Chautara
20,782.30
3,099.30
23,881.60
16 SBP Narayanpur
17 SBP Kritipur
24,700.64
2,334.40
27,035.04
15,480.45
1,487.5D
16,967.95
18 SBP Paunati
19,464.41
1,505.35
20,969.76
SBP Lele
15,838.67
18,600.37
SBP Thimi
22,870.09
2,761.70
-
I
19
120
If
21 SBP Sandhikharka
t
Others
Stock
1
.
-
of Stationery
Stationery
Particulars
S.N.
- Details
!
II 22
I
I'
-
7,263.77
SBP Dhadingbesi
12,910.95
---
19,024.94
22,870.09
7,263.77
2,270.30
15,181.25
-
I
Total
550,288.18
20,601.34
98,231.95
I
t
669,121.47
"
......
~j,
?
:;
Schedule- 9
Details of SBP - Branch Account
Amount
Rs.
Particulars
S.N.
Account in Transit
-
I
SBP P.O. Bardibas
2
SBP AO Ghorahi
3
SBP AO Koteshwor
4
SBP B.O. Tulsipur
(708,712.31
5
SBP B.O. Ghorahi
60,829.14
6
SBP Sub-B.O. Lamahi
93,827.52
7
SBP B.O. Lubhu
8
SBP Sub B. Sankhu
9
SBP Sub. B.O.Bungmati
517,787.15
51,715.24
(608,350.94'
,
1,510,955.76
(850.36'
10 SBP Sub. B.O. Banepa
550,783.32
11 SBP Sub-B.O. Chuchepati
366,761.36
12 SBP Sub-B.O. Taukhel
333,323.08
13 SBP Sub-B.O. Bhaktapur
(13,728.97)
14 SBP Sub B.O. Panchakhal
145,114.46
15 SBP Sub B.O. Chautara
(11,048.38
7,116.37
16 SBP Sub B.O. Narayanpur
8
17 SBP Sub B.O. Kirtipur
(5,356.73
18 SBP Sub B.O. Panauti
(33,199.60
19 SBP Sub B.O.Lele
25,614.20
20 SBP Sub B.O. Thimi
(6,183.66)
21 SBP Sub B.O. Dhadingbesi
(2,986.00)
i.
104,831.35
22 SBP Sub B.O. Sandhikharka
23 SBP Sub B.O. Damauli
76,800.00
24 SBP Sub B.O. Gorkha
69,000.00
25 SBP Sub B.O. Putalibazar Svania
89,300.00
26 SBP Sub B.O. Tamghas Gulmi
72,000.00
I
ii
]1
. !1
:
Total
S. N.
Particulars
1 ICSD General (SBP)
, 1,
d
I
"
2,685,342.00
Amount
Rs.
22,001,811.66
H
[II
I
I
~~
I
Schedule-I 0
SBP - Details of Grameen Trust Loan
S.N.
1
2
3
4
Amount
Rs.
Particulars
Hathilet Branch Fund
1.1 Loan fund for disbursement
1.2 Loan fund for operating cost
Dhalkebar Branch Fund
2.1 Loan fund for disbursement
2.2 Loan fund for operating cost
Gaushala Branch Fund
3.1 Loan fund for disbursement
3.2 Loan fund for operating cost
Lahan Branch Fund
4.1 Loan Fund Scaling-up (SBP Lahan)
4.2 GT Opetation Fund
Amount
Rs.
129,222.00
123,773.89
5,448.11
7.00
1.00
6.00
(2.50)
(2.50)
0.25)
I'
II
(1.22 )
0.97
Total
129,226.25
I'
.~
~
Schedule-II
d
.
SBP - Details of Loan From Other Institutions
ParticularsILoan
S.N.
1
Amount
Rs.
3,351,662.00
Nepal Rastra Bank (NRB)
1.1 NRB -Pove
2
Alleviation Loan- Dang
Loan RMDC
3,351,662.00
835,000.00
72,000,000.00
1,235,000.00
3
2.1 RMDC Loan (2061/62)
2.2 RMDC Loan (2063/64)
2.3 RMDC Loan (JFPR)
Loan From Commercial Bank
3.1 Himalayan Bank Ltd. (D.S.) >
3.2 Nepal Investment Bank Ltd. (D.S.)
3.3 Standard Chatered Bank Ltd (D.S.)
3.4 NIC Bank Ltd. (D.S.)
45,000,000.00
45,000,000.00
30,000,000.00
25,000,000.00
3.5 Laxmi Bank Ltd. (D.S)
10,000,000.00
I,
Amount
Rs.
74,070,000.00
155,000,000.00
232,421,662.00
~
->~
I
-,.--
~
r
I
i
Schedule- 12 (Page- 1)
SBP - Details of Clients' Deposits
Particulars
I
EJ
Amount
Rs.
I
A
I
2
3
4
5
6
7
8
9
10
11
12
I
Total Fund of SBP Tulsipur
2,627,900.00
782,431.00
3,640,633.00
1,582,169.00
76,767.00
-
Centre SavinJ?;s
Interest on Centre SavinJ?;s
Group SavinJ?;s
Personal SavinJ?;s
Welfare Fund
Education Fund
Pension Fund
2,242,371.00
-
WeddinJ?;SavinJ?;s/ Wibaha Bachat
Parba Bachat
Interest on Education SavinJ?;
Interest On Pension SavinJ?;
Interest on WeddinJ?;
SavinJ?;s/Wibaha Bac
9, /87.00
223,678.00
-
B
Total Fund of SBP Ghorahi
1
2
Centre SavinJ?;s
Interest on Centre SavinJ?;s
3,100,550.00
3
4
Group SavinJ?;s
Personal SavinJ?;s
3,060,385.00
1,434,424.00
5
Welfare Fund
Education Fund
6
7
8
9
10
11
12
13
9,530,353.00
678,568.00
45,860.00
238,930.00
Pension Fund
.
WeddinJ?;
SavinJ?;s/Wibaha Bachat
Parba Bachat
Interest
Interest
Interest
Interest
on Education Saving
On Pension SavinJ?;
on WeddinJ?;
SavinJ?;s/Wibaha Bac
On Parba Saving
C Total Fund of SBP Lamahi
1 Centre SavinJ?;s
2 Interest on Centre Savings
3 Group Savings
4 Personal SavinJ?;s
5 Welfare Fund
6 Education Fund
7 Pension Fund
8 WeddinJ?;SavinJ?;s/ Wibaha Bachat
9 Parba Bachat
10 Interest on Education SavinJ?;
] 1 Interest On Pension SavinJ?;
12 Interest on Wedding Savings/ Wibaha Bac
f5-
13
.861,850.00
17,610.00
/0,870.00
25,001.00
54,021.00
1,680.00
604.00
6,770,937.00
/,685, /00.00
239,532.00
/,962,643.00
1,925,141.00
32,727.00
8,070.00
858,146.00
"
680.00
482.00
58,406.00
/0.00
Interest On Parba Saving
......,
"""'
f
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11,185,136.00
13 InterestOnParbaSaving
'~
Amount
Rs.
~r
.4MJ
~~
,
I
D
I
Total Fund of SBP Lubhu
CentreSavin5?:s
2
Interest on Centre Savins;;s
3
GroupSavins;;s
Personal Savinf!s
4
5
6
7
8
9
~
"'"
Interest
On Pension
12
13
Interest
on Weddins;; Savins;;s/
5,432.00
Wibaha
Bac
Interest On Parba Savinf!
5
6
7
Welfare Fund
Education Fund
Pension Fund
8
9
Weddins;;Savins;;s/Wibaha Bachal
Parba Bachat
10
Interest on Education Savins;;
II
Interest On Pension Savins;;
2
3
2,848,425.00
-
4
1
50,562.00
Savins;;
Total Fund ofSBP Sankhu
CentreSavinf!s
Interest on Centre Savinf!s
Group Savinf!s
Personal Savinf!s
-
11,184,158.00
3,031,477.00
2,695,918.00
3,074,724.00
106,326.00
2,040,387.00
-
29,270.00
206,056.00
-
13 InterestOn Farha Savins;;
-
F
1
2
3
4
5
Total Fund of SBP Bungamati
6
7
13
Education Fund
Pension Fund
Weddinf! Savinf!s/ Wibaha Bachat
Parba Bachat
Interest on Education Savinf!
Interest On Pension Savins;;
Interest on Weddins;;Savins;;s/Wibaha Bac
Interest On Parba Savinf!
G
I
2
3
Total Fund of SBP Banepa
Centre Savins;;s
Interest on Centre Savins;;s
Group Savinf!s
1,602,404.00
4
5
6
Personal Savins;;s
Welfare Fund
Education Fund
1,356,340.00
39,410.00
-.,
/
Centre Savinf!s
Interest on Centre Savinf!s
Group SavinRs
Personal Savinf!s
Welfare Fund
Wens/on
fund
8
Weddinf! Savins;;s/Wibaha Bachat
9
Parba
I0
Interest
Bachat
on Education
7,936,692.00
1,569,283.00
1,666,882.00
3,414,120.00
37,762.00
-
1,153,445.00
-
1,628.00
93,572.00
,
-
I
i
-"
5,970,833.00
1,703,001.00
-
,
.'
I, 155,465.UU
7,689.001'
Saving
II Interest On Pension Saving
12 Interest on Weddins;;Savins;;s/Wibaha Bac
13 Interest On Parba Savinf!
i'
-
12 Interest on Weddinf! Savinf!s/ Wibaha Bac
9
10
11
12
~
-
Welfare 'Fund
Education Fund
Pension Fund
Weddins;;Savinf!s/ Wibaha Bachal
Parba Bachat
Interesl on Education Savins;;
8
.,
652,448.00
2,169,535.00
3,723,004.00
10
11
E
,
Schedule-12(Page-2)
9,449,406.00
~'/0~~~~~'\l~~~~'S~-M1>~~
-.
106,524.00
-
.
'
,,'
:.:;,
,
.','
,-
' ,','~
r-"'-Y\~
t-'J
..,
-H
I
-2
-3
-4
5
6
-7
8
9
-10
-II
-12
-13
-I
-1
2
Schedule- 12 (Page- 3
7,904,780.00
1,469,710.00
1,593,973.00
2,944,082.00
46,415.00
1,670,140.00
47,923.00
132,537.00
7,735,352.00
921,850.00
I 105
1,752,010.00
3,240,657.00
27,853.00
-6
-7
1,792,982.00
II
t
,
1
'L
I.
t
I
I
1
..
i
8
9
-10
-11
-12
13
-I
-1
-2
3
4
5
6
7
8
9
10
11
12
13
J
1
2
3
4
-5
-6
-7
-8
9
10
]1
12
13
'
6,302,388.00
135,130.00
1,650,366.00
2,073,198.00
33,008.00
2,240,310.00
170,376.00
2,682,818.00
504,250.00
43,252.00
877,667.00
518,350.00
17,503.00
671,790.00
" .
1 .
4,491.00
~4
45,515.00
-
~~
,
Schedule- 12 (Page- 4)
1,974,807.50
1,575.00
642,992.00
364,950.50
10,798.00
f
902,760.00
I
t
51,732.00
3,095,967.00
220,000.00
41,238.00
971,775.00
748,851.00
13,608.00
-
1,039,400.00
61,095.00
7,727,876.00
1,090,313.00
I
1,007,109.00
4,350,968.00
38,619.00
1,170,491.00
t;.
70,376.00
I
I
L
2,821,231.00
11
184,502.00
I
I
752,814.00
686,731.00
12,233.00
l
1,106,315.00
4,504.00
74,132.00
~~
-'
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,/
~;
~~
~
~
~
f-
,
Schedule-
0
1
2
3
4
5
6
7
8
9
10
11
12
13
'I
I
I
I
e!
,
;
i
~
#
~
I,
I
12 (Page- 5,
1,422,544.00
330,926.00
39/,394.00
388,817.00
6,524.00
288,390.00
/6,493.00
P
1
2
3
4
5
6
7
8
9
to
11
12
13
4,078,911.00
/59,792.00
823,483.00
/,866,/07.00
/5,3/0.00
/,209,549.00
4,670.00
439,795.00
Q
1
2
3
4
5
6
7
8
9
10
11
12
13
90,/50.00
/,742.00
/32,/65.00
/35,862.00
/,290.00
77,630.00
956.00
Q
1
2
3
4
5
6
7
8
9
10
11
12
13
163,535.00
2/,875.00
92,900.00
/7,721.00
118.00
.'://' ;:~. .
30,705.00
a11:.".0.4
2/6.00
~IJ\
~
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l3
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.-,
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Schedul
I
]
2
3
4
5
6
7
8
9
10
II
12
13
12 (P
6),
108,377,519.50
Total Deposits Of Clients
Centre Savins
Interest on Centre Savings
Group Savins
19,499,832.00
1,786,763.00
27,487,048.00
33,846,216.50
612,693.00
2,287,387.00
21,320,164.00
17,610.00
121,674.00
231,539.00
1,164,299.00
1,680.00
614.00
Personal Savings
Welfare Fund
Education Fund
Pension Fund
Weddin Savin?;sl Wibaha Bachat
Parba Bachat
Interest on Education Savin
Interest On Pension Savin
Interest on Weddin Savinsl Wibaha Bac
Interest On Parba Saving
I
III
Total Deposits Of Member
I
108,377,519.50
r
.
Schedule- 13
SBP - Details of Interest Payable
Particulars
S.N.
Amount (Rs.)
Amount (Rs.)
451,580.14
Total Interest Payable
I
1
2
3
5
I
Interest Payable (OT
Interest Payable (OT
Interest Payable (OT
Interest Payable (OT
[I
"
2 1,855.36
2,671.71
53,391.96
373,661.11
Dhalkebar Branch)
Oaushala Branch)
Hathilet Branch)
Seed Capital)
Total
451,580.14
I
i
I
I
~'
Schedule- ]4
SBP - Details of General Reserve
S.N.
1
Particulars
Amount (Rs.)
Equity
Previous Year's Equity
Current Year's Savin
Amount (Rs.)
43,819,041.11
34,065,199,90
9,753,841.21
Total
~~
'v--.~...~
~~
'.,./
?V\\i<~
/
43,819,041.11
~1
~
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~~
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'".,
',.,
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.
,
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Schedule- 15
SBP - Details of Other Funds
S.N.
.
A
I
2
3
4
5
6
7
8
9
10
11
]2
13
]4
15
16
17
18
19
.
[
t
I
t
\
I
I
I
J
I
j
~i
JJ
I
I
i
rII
,
.
Particulars
Life I Housin Protection
Life & Housin, Protection
Life & Housin: Protection
Life & Housin: Protection
Life & Hou:;in Protection
Life & Housin, Protection
Life & Housin, Protection
Life & Housin: Protection
Life & Housin, Protection
Life & Housin, Protection
Life & Housin, Protection
Life & Housin, Protection
Life & Housin, Protection
Life & Housin Protection
Life & Housin, Protection
Life & Housini Protection
Life & Housini Protection
Life & Housin Protection
Life & Housin Protection
Life & Housm Protection
I
Fund
Scheme (Tulsipur)
Scheme (Ghorahi)
Scheme (Lamahi)
Scheme (Luvu:
Scheme(Sankhu)
Scheme(Bungmati)
Scheme(Banepa)
Scheme (Chuchepati)
Scheme (Badegaun)
Scheme (Bhaktpur)
Scheme (Panchakhal)
Scheme (Chautara)
Scheme (Narayanpur)
Scheme (Kirtipur)
Scheme (Panauti)
Scheme (Lele)
Scheme (Thimi)
Scheme (Sandhikharka)
Scheme illha51iI1gbesi)
Amount (Rs.)
683,161.00
485,050.00
189,300.00
339,050.00
3 I0, 150.00
]90,050.00
858,030.00
158,350.00
100,990.00
196,500.00
72,150.00
83,750.00
57,350.00
69,750.00
50,200.00
30,375.00
22,850.00
21,900.00
22,450.00
LivestockProtection Scheme
B
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
Livestock Protection
Livestock Protection
Livestock Protection
Livestock Protection
Livestock Protection
Livestock Protection
Livestock Protection
Livestock Protection
Livestock Protection
Livestock Protection
Livestock Protection
Livestock Protection
Livestock Protection
Livestock Protection
Livestock Protection
Livestock Protection
C
I
2
3
4
5
6
7
8
Others
Passbook Fund
SBP Communi Oevelo ment Fund
SBP Oevelo ment Fund
StafTGratui Fund (SBP)
Photoco Maintenance fund (New)
Self-bel livestock Insurance Fund
Self-bel livestock Protection Fund
Livestock P.S. Fund
~
Amount (Rs.
3,941,406.00
{2,582.00
Scheme-EO Tulsipur
Scheme-EO Ghorai
Scheme-Sub. BO Lamahi
Scheme- BO. Luvu
Scheme-Sub. B. Sankhu
Scheme- SBO Bungmati
Scheme-SED Banepa
Scheme-SED Chuchepati
Scheme-SED Badegaun
Scheme-SED Bhal
Scheme-SED Panchakhal
Scheme-SED Kritipur
Scheme-SED Lele
Scheme-SED Thimi
Scheme-SED Sandhikharka
Scheme-SED Ohadingbesi
(2,884.00)
180.00
(10,370.00
8,103.00
300.00
2,442.00
1,260.00
870.00)
(8,531.00
504.00
3,320.00
340.00
3,624.00
~
)
,t
'to
f
t
III
3,101,544.73
446,875.50
5,652.00
804,439.74
1,04],081.58
101,155.00
3,436.87
184,607.98
293,883.46
73,470.87
]46,941.73
9 . Trainin fund (SBP)
10 Staff Welfare fund (SBP)
~~
--J~~\ .)y~~--
~
'Q...~ <,v-a..
-
II; ,
."
7 ,Q~tO,368..73
Total ( A+B+C)
v
.-'
~.
".,.
~
.~
~.
c~ '0~
."
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1
Schedule- 16
SBP - Details of Sundry Creditors
S. N.
1
CSD/SBP HO & Field Offices (Start)
2
SBP HOIBOISBO (Other)
Other payables
payable AlC (SBP)
Other payables (Tuslsipur)
CIT (Employes Provident fund)- HO
CIT (Employes Provident fund)- Field
Repro Vision Press (P) Ltd. Baneshwor
Sundry creditors ( Others)
INAFI
Manahari Khadka, Satdobato, Lalitpur
Pradip Lal Kama
Ram Prasad Oahal
I
II
Particulars
Amount (Rs.)
13,040.00
59,896.93
5,000.00
131.38
4,142.80
10,000.00
512,542.50
79,725.95
2,100.00
600.00
500.00
Sanjib Chaudhary
P-a/c Janga Bahadur Khadka
t
I
Amount (Rs.)
3,862.12
691,213.56
1,000.00
2,534.00
Total (1+2)
I
695,075.68
I
J
Schedule- 17
i
I
.~
1
,
SBP - Details of Supporting Agencies Project Advance
Particular
S.N.
I Plan IntKtm. (SBP Makwanpur)
Amount (Rs.)
2,400,000.00
Total
2,400,000.00
~
r'l
"
I
\
SBP - Details of Development Reserve
S.N.
1 SBP Kathmandu
2
3
4
SBP Tulsipur
SBP Ghorahi
SBP Lubhu
5
6
SBP Sankhu
SBP Narayanpur
,
Particulars
Amount (Rs.)
1.00
1,795.40
6.00
2.00
1.00
7,600.00
Total
1
Schedule-IS
9,405.40
" tI
~
,
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--
--
I
I
:a..
Schedule
~
- 19
.
SBP - Details of Interest Income
S.N.
\
Particulars
Amount (Rs.)
Interest on Loan
41,698,507.00
1.1 SSP Tulsipur
4,430,873.00
1.2 SSP Ghorahi
4,188,061.00
1.3 SSP Lamahi
2,597,789.00 ",
1.4 SSP Lubhu
3,393,199.00
1.5 SSP Sankhu
4,146,437.00
2,325,738.00
2,707,304.00
2,938,377.00
2,370,679.00
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1.10 SSP Bhaktpur
2,943,285.00
1.11 SSP Pancchkhal
1,894,930.00
1.12 SSP Chautara
1,656,6 I8.00
1.13 SSP Narayanpur
1,299,641.00
1.14 SSP Kritipur
1.15 SSP Panauti
1,513,915.00
1.16 SSP Lele
956,476.00
1.17 SSP Thimi
586,650.00
J. I8 SSP Sandhikharka
180,619.00
I.I 9 SSP Dhadingbesi
2
3
~'
1,477,583.00
90,333.00
,
Interest On Loan Fund
90,671.18
2.1 Interest income on SB Bank Loan
55,797.34
2.2 Interest income on Social Loan (Staff)
34,873.84
6,458,574.55
Interest on deposits (FiJ{~(L~Savings ale}
3.1 SBPHeadOffice
6,443, 119.57
3.2 SSP Tulsipur
6,618. IO
3.3 SSP Lamahi
1,845.00
3.4 SSP Bungamati
2,739.01
3.5 SSP Panchkhal
I
925.73
3.6 SSP Panauti
\I
3.7 SSP AO Koteshwor
1,444.91
4 11.23
3.8 SBP Sandhikharka
1,471.00
Total(1+2+3)
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Schedule - 20
SBP -Details of Other Income
Particulars
S. N.
1
Amount (Rs.)
SBP Head Office
252,674.45
0.00
2
2
SBP AO Koteshwor
3
SBP Tulsipur
23,179.56
4
SBP Ghorahi
13,848.00
5
SBP Lamahi
20,471.75
6
SBP Lubhu
12,177.32
7
SBP Sankhu
23,148.40
8
SBP Bungamati
9
SBP Banepa
30,571.00
10
SBP Chuchepati
13,125.00
11
SBP Badegaun
43,253.46
12
SBP Bhaktpur
70,325.32
13
SBP Pancchakhal
3,603.00
14
SBP Chautara
1,903.00
15
SBP Narayanpur
16
SBP Kirtipur
3,000.00
501.00
17
SBP Panauti
9,229.72
18
SBP Lele
1,050.00
138,131.55
10,488.00
Total
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Schedule
- 21
SBP-Details of Program / Project Operational Expenditure
5.N.
1
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("
Depreciation
Expense
Expense
Expense
2,568,257.37
CSD/SBP, Kathmandu
2,019,787.76
79,437.98
Total
. .Expense
4,667,483.11
196,932.00
119,301.15
8,094.87
324,328.02
3
SBP AO Kathmandu
196,127.79
164,557.56
26,857.79
387,543.14
191,952.23
7,869.41
1,265,347.58
SBP Tulsipur
1,065,525.94
5
SBP Ghorahi
994,306.60
256,415.40
6,798.35
1,257,520.35
6
SBP Lamahi
797,871.10
209,040.95
7,544.10
1,014,456.15
7
SBP Lubhu
1,093,079.15
193,640.35
7,163.42
1,293,882.92
8
SBP Sankhu
1,153,880.92
227,083.88
11,865.75
1,392,830.55
710,46330
173,986.69
5,905.00
890,354.99
10 SBP Banepa
784,535.60
153,053.55
6,049.00
943,638.15
11 SBP Chuchepati
843,784.10
255,155.60
6,466.38
12
SBP Badegaun
675,874.95
175,876.42
6,345.48
SBP Bhaktpur
945,537.70
190,089.04
7,507.00
14 SBP Panchakhal
626,320.68
147,250.91
5,271.00
778,842.59
15 SBP Chautara
650,947.01
142,885.39
4,906.74
798,739.14
16 SBP Naarayanpur
668,602.50
99,894.60
4,688.50
773,185.60
17
550,941.60
156,51453
5,490.80
712,946.93
18 SBP Panuti
522,947.80
136,932.33
3,786.64
663,666.77
19 SBP Lele
481,328.90
110,121.26
5,504.00
596,954.16
SBP Thimi
229,931.80
85,515.52
2,559.00
318,006.32
SBP Sandhikharka
213,907.00
119,788.66
2,466.00
336,161.66
SBP Dhadingbesi
205,108.97
97,457.20
2,101.25
304,667.42
13
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Administrative
SBP AO Ghorai
9
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Personnel
2
4
I
Particulars
20
21
22
SBP Bungamati
SBP Kirtipur
Total
5,426.300,98
16,176,212,78
224,678.46
1,105,406.08
858,096.85
1,143,133.74
21,827,192.22
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Schedule 22
SBP- Details of Program / Project Support Expenditure
S. N.
Particulars
Amount
Rs.
Amount
Rs.
1 CSD/SBP Kathmandu
125,659.50
Training Expense(SBP-Extemal )
25,096.50
Review and Planning Expense SBP
12,946.00
CSD Rating Expenses (SBP)
86,617.00
Observation Fee Expenses (SBP)
1,000.00
2 SBP AO Ghorahi
20,396.00
Training & Seminar Expense
20,396.00
3 SBP, AO Kathmandu
2,354.00
Training & Seminar Expense
2,354.00
4 SBP Tulsipur
Training & Seminar Expense
14,115.00
14,115.00
5 SBP Lubhu
7,090.00
7,090.00
Training & Seminar Expense
6 SBP Banpa
9,372.00
9,372.00
Training & Seminar Expense
7 SBP Chautara
11,890.00
Training & Seminar Expense
8 SBO Sandhikharka
11,890.00
Training & Seminar Expense
8,365.50
I:
8,365.50
Total
199,242.00
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Schedule 23
SBP-Details of Interest
/
Expense
Particulars
S. N.
Amount
Rs.
Interest on Loan
Interest expense on Himalayan Bank Ltd. - D.S.
Interest expense on Nepal Investment Bank Ltd. - D.S.
Interestexpense on NIC Bank Ltd. - D.S.
Interestexpense on Standard Chartered Bank Ltd. - D.S.
Interestexpense on RMDC loan (SBP)
Interestexpense on RMDC loan (JFPR)
Interestexpense on Poverty Alleviation Loan (NRB), SBP Dang
Interestexpense on Laxmi Bank Ltd. - D.S
Interestexpense Development Credit Bank Ltd. - FOR Loan.
2 Interest on Client Savings
2.1 SBP Tulsipur
2.2 SBP Ghorahi
2.3 SBP Lamahi
2.4 SBP Lubhu
2.5 SBP Sankhu
2.6 SBP Bungamati
2.7 SBP Banepa
2.8 SBP Chuchepati
2.9 SBP Badegaun
2.10 SBP Bhaktpur
2.11SBP Panchakhal.
2.12 SBP Chautara
2.13 SBP Narayanpur
2.14 SBP Kirtipur
2. I5 SBP Panauti
2.16 SBP Lele
2.17 SBP Thimi
2. I8 SBP Sandhikharka
2.19 SBP Dhadingbesi
Total
Amount
Rs.
8,433,182.37
1
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.
288,504.85
1,204,247.72
1,067,923.82
1,143,835.66
.4,383,735.00
106,615;00
154,176.50
14,335.48
69,808.34
6,353,939.00
699,33) .00
581,365.00
398,781.00
677 ,328.00
689,408.00
536,724.00
386,847.00
452,593.00
460,522.00
374,978.00
148,848.00
94,205.00
164,868.00
349,568.00
132,545.00
72,793.00
125,575.00
5,838.00
1,822.00
14,787,121.37
Schedule - 24
SBP-Details of Provision for Loan Loss Expenses
I
S.N.
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2
"3
4
5
6
7
8
9
10
II
12
13
14
15
16
17
18
Particulars
Amount
Rs.
1,997,270.20
Amount
Rs.
Provision for Loan Loss
SBP Tulsipur
SBP Ghorahi
SBP Lamahi
SBP Luvu
SBP Sankhu
SBP Banepa
SBP Chuchepati
SBP Badegaun
SBP Bhaktpur
SBP Panchakhal
SBP Chautara
SBP Narayanpur
SBP Kirtipur
SBP Panauti
SBP Lele
SBP Thimi
SBP Sandhikharka
SBP Dhadingbesi
88,527.60
126,900.40
62,048.00
64,608.00
79,103.60
51,985.20
182,972.00
67,862.80
6 I,797.60
136,146.40
141,930.80
84,3 16.80
135,245.20
120,096.80
70,367.00
312,328.00
125,200.00
85,834.00
Total
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