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Disclosure under Basel II

Nabil Bank & Group As at mid April 2011 (3rd Quarter End of FY 2010/11)

Capital Structure and Capital Adequacy: · Tier 1 Capital and Breakdown of its Components:

NPR Amount a b c d e f g h i j k l m n Particulars Paid up Equity Share Capital Irredeemable Non-cumulative preference shares Share Premium Proposed Bonus Shares Statutory General Reserves Retained Earnings Current year Profit/(loss) Capital Redemption Reserves Capital Adjustment Reserves Dividend Equalization Reserves Debenture Redemption Reserves Deferred Tax Reserve Other Free Reserves Less: Investment in equity of institutions having financial intere Total Tier 1 Capital Nabil 2,029,769,400 74,000 1,568,500,000 2,534,825 948,847,464 100,000,000 35,394,100 2,578,000 (78,000,000) 4,609,697,789 Group 2,029,769,400 74,000 1,568,500,000 2,011,233 951,706,761 100,000,000 35,524,998 2,578,000 4,690,164,391

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Tier 2 Capital and Breakdown of its Components:

NPR Amount a b c d e f g h Particulars Cumulative and/or Redeemable Preference Share Subordinated Term Debt Hybrid Capital Instruments General loan loss provision Exchange Equalization Reserves Investments Adjustment Reserves Assets Revaluation Reserves Other Reserves Total Tier 2 Capital Nabil 300,000,000 369,940,405 81,400,000 4,000,000 11,500,000 766,840,405 Group 300,000,000 369,940,405 81,400,000 4,000,000 11,500,000 766,840,405

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Details of Subordinated Term Debt:

The Bank has Nabil Bank Bond 2075 for Rs.300 million with the following main features: Maturity period: 10 Years. Interest rate: 8.5% per annum. Interest Payment frequency: Half Yearly. Claim in case of liquidation: After depositors. Debenture Redemption Reserve shall be created from the 6th year Pledgebility: Can be pledged with banks and financial institutions other than Nabil. · Deductions from Capital: The bank has invested Rs 78 million in its subsidiary company Nabil Investment Banking ltd. which the bank has deducted from its core capital.

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Total qualifying capital:

NPR Amount Particulars Core Capital (Tier 1) Supplementary Capital (Tier 2) Total Capital Fund Nabil 4,609,697,789 766,840,405 5,376,538,194 Group 4,690,164,391 766,840,405 5,457,004,796

Risk Exposures: · Risk weighted exposures under each 11 categories of Credit Risk:

S.N. 1 2 3 4 5 6 7 8 9 10 11 Categorises Claims on Government and Central Bank Claims on Other Financial Entities Claims on Banks Claims on Domestic Corporates and Securities Firms Claims on Regulatory Retail Portfolio & Other Retail Portfolio Claims secured by residential properties Claims secured by Commercial real estate Past due claims High Risk claims Other Assets Off Balance Sheet Items Total NPR Risk Weighted Exposure Nabil Group 2,528,423,809 2,571,328,379 22,169,256,210 22,169,256,210 2,294,430,178 2,294,430,178 1,899,394,434 1,899,394,434 6,174,068,115 6,174,068,115 608,218,243 608,218,243 270,307,300 270,307,300 2,652,548,696 2,660,922,402 4,602,392,256 4,602,392,256 43,199,039,240 43,250,317,517

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Risk weighted exposures for Credit Risk, Market Risk and Operational Risk:

NPR Amount RISK WEIGHTED EXPOSURES Risk Weighted Exposure for Credit Risk Risk Weighted Exposure for Operational Risk Risk Weighted Exposure for Market Risk Add: 2% of the total RWE add by Supervisory Review Total Risk Weighted Exposures (a+b+c) Nabil 43,199,039,240 3,382,200,234 133,475,689 934,294,303 47,649,009,466 Group 43,250,317,517 3,382,200,234 133,475,689 934,294,303 47,700,287,743

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Total Risk Weight Exposures calculation table:

NPR Amount RISK WEIGHTED EXPOSURES Risk Weighted Exposure for Credit Risk Risk Weighted Exposure for Operational Risk Risk Weighted Exposure for Market Risk Add: 2% of the total RWE add by Supervisory Review Total Core Capital to Total Risk Weighted Exposures Total Capital to Total Risk Weighted Exposures Nabil 43,199,039,240 3,382,200,234 133,475,689 934,294,303 9.67% 11.28% Group 43,250,317,517 3,382,200,234 133,475,689 934,294,303 9.83% 11.44%

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Amount of Non-Performing Assets (both Gross and Net)

NPR Particulars Restructured Sub-Standard Doubtful Loss Total Amount 1,021,925 506,951,947 55,370,547 420,665,575 984,009,993 Loan Loss Provision 127,741 126,737,987 27,685,273 416,548,643 571,099,644 Net NPL 894,185 380,213,960 27,685,273 4,116,931 412,910,349

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NPA Ratios

NPA Ratios Gross NPA to Gross Advances Net NPA to Net Advances (%) 2.61 1.12

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Movement in Non Performing Assets

Particulars Non Performing Assets (Volumes) Non Performing Assets (%) This Quarter Previous Quarter 984,009,993 665,805,124 2.61 1.83 NPR Changes(%) 47.79 0.78

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Write off of Loans and Interest Suspense in the Quarter None

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Movement in Loan Loss Provision and Interest Suspense:

Particulars Loan Loss Provision Interest Suspense This Quarter Previous Quarter 941,040,049 801,649,589 298,536,444 287,902,475 NPR Changes(%) 17.39 3.69

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Details of Additional Loan Loss Provision: None

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Segregation of Investment Portfolio:

Particulars Held for Trading Held to Maturity Available for sale Total Investment 13 April 2011 11,606,524,843 109,199,722 11,715,724,565

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