वित्तीय संस्थाको प्रथम त्रैमासिक अपरिष्कृत वित्तीय विवरणFirst Quarter Unaudited Financial Results
- वर्ग:Category:
- Financial Analysis
- प्रकाशित मिति:Published:
- Published on November 1, 2026
Unaudited Financial Results
As at 31st Asoj, 2083 (17th Oct, 2026)
Condensed Statement of Financial Position
As at 31st Asoj, 2083 (17th Oct, 2026)
Figures in NPR
| Particulars | This Quarter Ending | Immediate Previous Year Ending |
|---|---|---|
| Assets | ||
| Cash and cash equivalent | 127,363,964 | 187,348,196 |
| Due from Nepal Rastra Bank | 503,866,927 | 281,923,501 |
| Placement with Bank and Financial Institutions | - | - |
| Derivative financial instruments | - | - |
| Other trading assets | - | - |
| Loan and Advances to B/FIs | - | - |
| Loans and advances to customers | 1,566,389,846 | 1,406,038,555 |
| Investment securities | 900,000,000 | 1,100,000,000 |
| Current Tax Assets | 15,976,513 | 15,727,456 |
| Investment in subsidiaries | - | - |
| Investment in Associates | - | - |
| Investment property | 154,795,952 | 154,795,952 |
| Property and equipment | 147,876,312 | 147,949,842 |
| Goodwill and Intangible assets | 465,444 | 534,274 |
| Deferred tax assets | 27,237,138 | 27,237,138 |
| Other assets | 19,218,152 | 14,605,406 |
| Total Assets | 3,463,190,246 | 3,336,160,319 |
| Liabilities: | ||
| Due to Bank and Financial Institutions | - | - |
| Due to Nepal Rastra Bank | - | - |
| Derivative Financial instruments | - | - |
| Deposit from customers | 2,667,981,602 | 2,548,860,699 |
| Borrowings | - | - |
| Current Tax Liabilities | 2,632,427 | 21,473,083 |
| Provisions | - | - |
| Deferred tax liabilities | - | - |
| Other liabilities | 84,580,457 | 32,219,624 |
| Debt securities issued | - | - |
| Subordinated Liabilities | - | - |
| Total Liabilities | 2,755,194,487 | 2,602,553,406 |
| Equity: | ||
| Share Capital | 525,000,000 | 525,000,000 |
| Share premium | 23,921,254 | 23,921,254 |
| Retained earning | (29,796,738) | (31,418,947) |
| Reserves | 188,871,244 | 216,104,607 |
| Total equity attributable to equity holders | 707,995,760 | 733,606,913 |
| Non-controlling interests | - | - |
| Total equity | 707,995,760 | 733,606,913 |
| Total liabilities and equity | 3,463,190,246 | 3,336,160,319 |
Condensed Statement of Profit or Loss
As at 31st Asoj, 2083 (17th Oct, 2026)
Figures in NPR
| Particular | Current Year Corresponding This Quarter Up to | Current Year Corresponding This Quarter (YTD) | Previous Year This Quarter Up to | Previous Year This Quarter (YTD) |
|---|---|---|---|---|
| Interest Income | 49,277,443 | 49,277,443 | 56,890,473 | 56,890,473 |
| Interest Expense | 35,295,062 | 35,295,062 | 33,438,309 | 33,438,309 |
| Net interest income | 13,982,381 | 13,982,381 | 23,452,164 | 23,452,164 |
| Fees and Commission Income | 2,463,265 | 2,463,265 | 1,084,998 | 1,084,998 |
| Fees and Commission Expense | - | - | - | - |
| Net fee and Commission income | 2,463,265 | 2,463,265 | 1,084,998 | 1,084,998 |
| Net interest fee and commission income | 16,445,646 | 16,445,646 | 24,537,163 | 24,537,163 |
| Net Trading Income | - | - | - | - |
| Other Operating Income | 78,166 | 78,166 | 85,445 | 85,445 |
| Total operating income | 16,523,812 | 16,523,812 | 24,622,608 | 24,622,608 |
| Impairment charge/(reversal) for loans and other losses | (4,815,639) | (4,815,639) | 10,490,843 | 10,490,843 |
| Net Operating income | 21,339,450 | 21,339,450 | 14,131,765 | 14,131,765 |
| Operating Expenses | ||||
| Personnel Expense | 7,272,702 | 7,272,702 | 6,236,498 | 6,236,498 |
| Other Operating Expenses | 4,279,787 | 4,279,787 | 3,731,646 | 3,731,646 |
| Depreciation and Amortization | 1,012,203 | 1,012,203 | - | - |
| Operating Profit | 8,774,758 | 8,774,758 | 4,163,620 | 4,163,620 |
| Non operating income | - | - | - | - |
| Non operating expense | - | - | - | - |
| Profit before income tax | 8,774,758 | 8,774,758 | 4,163,620 | 4,163,620 |
| Income tax expense | 2,632,427 | 2,632,427 | 1,249,086 | 1,249,086 |
| Current tax | 2,632,427 | 2,632,427 | 1,249,086 | 1,249,086 |
| Deferred Tax | - | - | - | - |
| Profit for the period | 6,142,331 | 6,142,331 | 2,914,534 | 2,914,534 |
| Profit attributable to: | ||||
| Equity holders of the Bank | 6,142,331 | 6,142,331 | 2,914,534 | 2,914,534 |
| Non-controlling interests | - | - | - | - |
| Profit for the period | 6,142,331 | 6,142,331 | 2,914,534 | 2,914,534 |
Condensed Statement of Other Comprehensive Income
As at 31st Asoj, 2083 (17th Oct, 2026)
| Particular | Current Year Corresponding This Quarter Up to | Current Year Corresponding This Quarter (YTD) | Previous Year This Quarter Up to | Previous Year This Quarter (YTD) |
|---|---|---|---|---|
| Profit for the period | 6,142,331 | 6,142,331 | 2,914,534 | 2,914,534 |
| Other Comprehensive Income | - | - | - | - |
| Total Comprehensive Income | 6,142,331 | 6,142,331 | 2,914,534 | 2,914,534 |
| Earning per Share | ||||
| Basic Earning per Share | 4.68 | 0.56 | ||
| Diluted Earning per Share | 4.68 | 0.56 | ||
Ratios as per NRB Directives
Particular Current Year Corresponding Previous Year
Up to This Quarter (YTD) Up to This Quarter (YTD)
Capital fund to RWA 31.76% 35.81%
Non-Performing Loan(NPL) to Total Loan 6.59% 11.77%
Total Loan Loss Provision to Total NPL 84.63% 107.83%
Cost of Fund 5.14% 6.69%
Credit to Deposit Ratio 61.13% 67.05%
Base Rate 7.45% 9.28%
Interest rate Spread 4.55% 4.58%
Details about the distributable Profit
(As per NRB Regulation)
Details about the distributable Profit Amount NPR
Opening Retained Earning (31,418,947.16)
Add:
Net Profit or (Loss) as per Statement Profit / Loss 6,142,330.61
1. Appropriations
1.1 Profit required to be appropriated to:
a. General Reserve (1,228,466.12)
b. Capital Redemption Reserve -
c. Exchange Fluctuation Fund -
d. CSR Fund (61,423.31)
e. Employee Training Fund (188,931.87)
f. Other -
1.2 Profit required to be transferred to Regulatory Reserve
a. Transferred to Regulatory Reserve -
b. Transferred from Regulatory Reserve (3,041,300.35)
Net Profit for the period ended 1st quarter available for distribution (29,796,738.20)
1. Above Financial statements are prepared in accordance with Nepal Financial Reporting Standards (NFRS) and certain carve-outs as issued by ICAN.
2. The financial statement may have some changes as per the direction of Statutory Auditor or Supervisory Body
3. Figures have been regrouped and rearranged wherever necessary.
4. Loans and Advances consists of accrued interest receivable net of interest suspense and have been presented in net of any impairment.
5. Loans and Advances to customers include loan to customers and loan to Employees which have been measured at amortized cost.
6. Personnel expenses include employee bonus provision.
7. NFRS adjustment which are subject to regulatory adjustments as per NRB directives have been shown as regulatory adjustments.
8. Other Comprehensive income includes the fair value changes of items prescribed by NFRS net of tax.
9. The detailed interim report has been published in website www.corporatebank.com.np.
धितोपत्र दर्ता तथा निष्काशन नियमावली २०७३ को अनुसूची १४ (नियम २६ को उपनियम (१) सँग सम्बन्धित) आ.व. २०८३/८४ को पहिलो त्रैमासिक विवरण
१. वित्तीय विवरण :
क) त्रैमासिक अवधिको वासलात, नाफा नोक्सान सम्बन्धी विवरण यसै साथ प्रकाशित गरिएको छ ।
ख) प्रमुख वित्तीय अनुपातहरू :
प्रतिशेयर आम्दानी (वार्षिकीकरण) रु. ४.६८ प्रतिशेयर कुल सम्पत्तिको मूल्य रु. ६३०.१७
मूल्य आम्दानी अनुपात रु. १६५.१८ तरलता अनुपात ५३.३९%
प्रतिशेयर नेटवर्थ रु. १४६.८६
२. व्यवस्थापकीय विश्लेषण :
क) त्रैमासिक अवधिमा संस्थाको मौज्दात, आम्दानी र तरलतामा कुनै परिवर्तन भएको भए सोको प्रमुख कारण सम्बन्धी विवरण :
कारोबार वृद्धि, थप निक्षेप लिने, दिने तथा नयाँ कर्जा लगानी, बक्यौता साँवा, ब्याज असुली साथै बैंकको मौज्दात, आम्दानी र तरलता सन्तोषजनक रुपमा वृद्धि रहेको छ ।
ख) आगामी अवधिको व्यवसायिक योजना सम्बन्धमा व्यवस्थापनको विश्लेषणात्मक विवरण :
बैंकले प्रदेश नं. २ मा पर्सा जिल्लामा २ वटा शाखा, महोत्तरी जिल्लाको बर्दिबासमा १ शाखा र सर्लाहीको बरहथवामा १ शाखा गरी कुल ४ वटा शाखा कार्यालय तथा पर्सा जिल्लामा १ प्रधान कार्यालय मार्फत आफ्नो कारोबार सञ्चालन गरिरहेको छ । यस आर्थिक वर्षमा बैंकले कारोबार विस्तार र गुणस्तर दुवै पक्षलाई साथै लैजाने नीति लिएको छ । बैंकले पर्सा, बारा, रौतहट, सर्लाही र महोत्तरी जिल्लाहरुमा शाखा विस्तार गरी सोही अनुसार व्यापार विस्तार, असुली र सेवाको गुणस्तर र पहुँच बढाउने कुरालाई प्राथमिकता दिईने ।
ग) विगतको अनुभवबाट, संगठित संस्थाको मौज्दात, नाफा वा नगद प्रवाहमा तात्त्विक असर पार्न सक्ने घटना, अवस्था आदी भएमा सो सम्बन्धी विश्लेषणात्मक विवरण :
बैंकिङ्ग क्षेत्रमा नियमित देखिने तरलताको संकुचन तथा विस्तारले ब्याजदरमा पार्ने प्रभाव, ब्याजदरको एक आपसमा रहेको प्रतिस्पर्धा, बढ्दो संचालन खर्च आदीले केही मात्रामा बैंकलाई पार्न सक्ने असर बारेमा बैंक सचेत रहेकोले त्यस्तो गम्भीर समस्या बेहोर्नु पर्नेछैन ।
३. कानूनी कारवाही सम्बन्धी विवरण :
क) गत त्रैमासिक अवधिमा बैंकले कसैको विरुद्धमा कुनै मुद्दा दायर गरेको छैन र बैंकको विरुद्धमा मुद्दा दायर भएको कुनै सूचना प्राप्त भएको छैन ।
ख) बैंकका संस्थापक वा संचालकले वा संस्थापक वा संचालकको विरुद्धमा प्रचलित नियमको अवज्ञा वा फौजदारी अपराध गरेको सम्बन्धमा कुनै मुद्दा दायर गरेको वा भएको कुनै जानकारी प्राप्त भएको छैन ।
ग) कुनै संस्थापक वा संचालक विरुद्ध आर्थिक अपराध गरेको सम्बन्धमा कुनै मुद्दा दायर गरिएको वा भएको कुनै जानकारी प्राप्त भएको छैन ।
४. संगठित संस्थाको शेयर कारोबार सम्बन्धी विश्लेषण :
क) दोस्रो बजारमा हुने शेयर सम्बन्धी कारोबारमा नेपालको राजनैतिक अवस्था, नेपाल राष्ट्र बैंकको नीति तथा अन्य कारणहरुले धितोपत्र बजारलाई असर पारी बजार मूल्यमा सामान्य उतारचढाव भएता पनि यस बैंकको शेयर कारोबार सन्तोषजनक नै रहेको छ ।
ख) नेपाल स्टक एक्सचेन्ज लिमिटेडको वेभसाइट www.nepalstock.com अनुसार पछिल्लो त्रैमासिक अवधि सम्म यस बैंकको शेयरको कारोबार निम्नानुसारले भएको देखिन्छ ।
अधिकतम मूल्य रु. १,६४०.०० कारोबार दिन ६१
न्यूनतम मूल्य रु. ७२५.०० कारोबार भएको शेयरको संख्या २२,६२,१०६ कित्ता
अन्तिम मूल्य रु. ७७३.००
५. समस्या तथा चुनौती :
देशको संक्रमणकालिन आर्थिक तथा राजनैतिक अवस्था तथा संभावित आकस्मिक नीतिगत परिवर्तन एवं प्रतिस्पर्धात्मक चुनौती, वित्तीय बजारमा देखिएको तरलता अभावको कारण कारोबार विस्तारमा चुनौती तथा अप्रत्यासित रुपमा आइपर्ने प्राकृतिक दैवी विपत्ती ।
६. संस्थागत सुशासन :
क) नेपाल राष्ट्र बैंकबाट जारी संस्थागत सुशासन लगायतका निर्देशनहरु पालना गर्नुको साथै प्रचलित ऐनहरु: कम्पनी ऐन, २०६३, बैंक तथा वित्तीय संस्था सम्बन्धी ऐन, २०७३, नेपाल राष्ट्र बैंक ऐन, २०५८, धितोपत्र ऐन, २०६३, आयकर ऐन, २०५८ आदि पालना गरिएको छ ।
ख) बैंकको प्रबन्धपत्र, नियमावली, कर्मचारी सेवा विनियमावली, आर्थिक प्रशासन विनियमावली, वित्तीय सेवा निर्देशिका, आन्तरिक लेखापरीक्षण निर्देशिका, सम्पत्ति दायित्व व्यवस्थापन नीति, लगानी नीति लगायतका नीति, नियम, निर्देशिकाहरु बनाइ पालना गरिएको छ ।
ग) बैंकले आफ्नो कारोबारलाई चुस्त, दुरुस्त छिटो छरितो एवं आन्तरिक नियन्त्रण प्रणालीलाई प्रभावकारी बनाउन संचालक समिति तहमा लेखापरीक्षण समिति, जोखिम व्यवस्थापन समिति र कर्मचारी सेवा सुविधा समिति गठन गरेको छ ।
७. सत्य, तथ्यता सम्बन्धमा कार्यकारी प्रमुखको उदघोषण :
आजका मितिसम्ममा यस प्रतिवेदनमा उल्लेखित जानकारी तथा विवरणहरुको शुद्धता सम्बन्धमा म व्यक्तिगत रुपमा उत्तरदायित्व लिन्छु, साथै म यो उदघोष गर्दछु की मैले जाने बुझे सम्म यस प्रतिवेदनमा उल्लेखित विवरणहरु सत्य, तथ्य र पूर्ण छन् र लगानीकर्ताहरुलाई सूचित निर्णय लिन आवश्यक कुनै विवरण, सूचना तथा जानकारीहरु लुकाइएको छैन ।
Unaudited Financial Results
As at 31st Asoj, 2083 (17th Oct, 2026)
Condensed Statement of Financial Position
As at 31st Asoj, 2083 (17th Oct, 2026)
Figures in NPR
| Particulars | This Quarter Ending | Immediate Previous Year Ending |
|---|---|---|
| Assets | ||
| Cash and cash equivalent | 127,363,964 | 187,348,196 |
| Due from Nepal Rastra Bank | 503,866,927 | 281,923,501 |
| Placement with Bank and Financial Institutions | - | - |
| Derivative financial instruments | - | - |
| Other trading assets | - | - |
| Loan and Advances to B/FIs | - | - |
| Loans and advances to customers | 1,566,389,846 | 1,406,038,555 |
| Investment securities | 900,000,000 | 1,100,000,000 |
| Current Tax Assets | 15,976,513 | 15,727,456 |
| Investment in subsidiaries | - | - |
| Investment in Associates | - | - |
| Investment property | 154,795,952 | 154,795,952 |
| Property and equipment | 147,876,312 | 147,949,842 |
| Goodwill and Intangible assets | 465,444 | 534,274 |
| Deferred tax assets | 27,237,138 | 27,237,138 |
| Other assets | 19,218,152 | 14,605,406 |
| Total Assets | 3,463,190,246 | 3,336,160,319 |
| Liabilities: | ||
| Due to Bank and Financial Institutions | - | - |
| Due to Nepal Rastra Bank | - | - |
| Derivative Financial instruments | - | - |
| Deposit from customers | 2,667,981,602 | 2,548,860,699 |
| Borrowings | - | - |
| Current Tax Liabilities | 2,632,427 | 21,473,083 |
| Provisions | - | - |
| Deferred tax liabilities | - | - |
| Other liabilities | 84,580,457 | 32,219,624 |
| Debt securities issued | - | - |
| Subordinated Liabilities | - | - |
| Total Liabilities | 2,755,194,487 | 2,602,553,406 |
| Equity: | ||
| Share Capital | 525,000,000 | 525,000,000 |
| Share premium | 23,921,254 | 23,921,254 |
| Retained earning | (29,796,738) | (31,418,947) |
| Reserves | 188,871,244 | 216,104,607 |
| Total equity attributable to equity holders | 707,995,760 | 733,606,913 |
| Non-controlling interests | - | - |
| Total equity | 707,995,760 | 733,606,913 |
| Total liabilities and equity | 3,463,190,246 | 3,336,160,319 |
Condensed Statement of Profit or Loss
As at 31st Asoj, 2083 (17th Oct, 2026)
Figures in NPR
| Particular | Current Year Corresponding This Quarter Up to | Current Year Corresponding This Quarter (YTD) | Previous Year This Quarter Up to | Previous Year This Quarter (YTD) |
|---|---|---|---|---|
| Interest Income | 49,277,443 | 49,277,443 | 56,890,473 | 56,890,473 |
| Interest Expense | 35,295,062 | 35,295,062 | 33,438,309 | 33,438,309 |
| Net interest income | 13,982,381 | 13,982,381 | 23,452,164 | 23,452,164 |
| Fees and Commission Income | 2,463,265 | 2,463,265 | 1,084,998 | 1,084,998 |
| Fees and Commission Expense | - | - | - | - |
| Net fee and Commission income | 2,463,265 | 2,463,265 | 1,084,998 | 1,084,998 |
| Net interest fee and commission income | 16,445,646 | 16,445,646 | 24,537,163 | 24,537,163 |
| Net Trading Income | - | - | - | - |
| Other Operating Income | 78,166 | 78,166 | 85,445 | 85,445 |
| Total operating income | 16,523,812 | 16,523,812 | 24,622,608 | 24,622,608 |
| Impairment charge/(reversal) for loans and other losses | (4,815,639) | (4,815,639) | 10,490,843 | 10,490,843 |
| Net Operating income | 21,339,450 | 21,339,450 | 14,131,765 | 14,131,765 |
| Operating Expenses | ||||
| Personnel Expense | 7,272,702 | 7,272,702 | 6,236,498 | 6,236,498 |
| Other Operating Expenses | 4,279,787 | 4,279,787 | 3,731,646 | 3,731,646 |
| Depreciation and Amortization | 1,012,203 | 1,012,203 | - | - |
| Operating Profit | 8,774,758 | 8,774,758 | 4,163,620 | 4,163,620 |
| Non operating income | - | - | - | - |
| Non operating expense | - | - | - | - |
| Profit before income tax | 8,774,758 | 8,774,758 | 4,163,620 | 4,163,620 |
| Income tax expense | 2,632,427 | 2,632,427 | 1,249,086 | 1,249,086 |
| Current tax | 2,632,427 | 2,632,427 | 1,249,086 | 1,249,086 |
| Deferred Tax | - | - | - | - |
| Profit for the period | 6,142,331 | 6,142,331 | 2,914,534 | 2,914,534 |
| Profit attributable to: | ||||
| Equity holders of the Bank | 6,142,331 | 6,142,331 | 2,914,534 | 2,914,534 |
| Non-controlling interests | - | - | - | - |
| Profit for the period | 6,142,331 | 6,142,331 | 2,914,534 | 2,914,534 |
Condensed Statement of Other Comprehensive Income
As at 31st Asoj, 2083 (17th Oct, 2026)
| Particular | Current Year Corresponding This Quarter Up to | Current Year Corresponding This Quarter (YTD) | Previous Year This Quarter Up to | Previous Year This Quarter (YTD) |
|---|---|---|---|---|
| Profit for the period | 6,142,331 | 6,142,331 | 2,914,534 | 2,914,534 |
| Other Comprehensive Income | - | - | - | - |
| Total Comprehensive Income | 6,142,331 | 6,142,331 | 2,914,534 | 2,914,534 |
| Earning per Share | ||||
| Basic Earning per Share | 4.68 | 0.56 | ||
| Diluted Earning per Share | 4.68 | 0.56 | ||
Ratios as per NRB Directives
Particular Current Year Corresponding Previous Year
Up to This Quarter (YTD) Up to This Quarter (YTD)
Capital fund to RWA 31.76% 35.81%
Non-Performing Loan(NPL) to Total Loan 6.59% 11.77%
Total Loan Loss Provision to Total NPL 84.63% 107.83%
Cost of Fund 5.14% 6.69%
Credit to Deposit Ratio 61.13% 67.05%
Base Rate 7.45% 9.28%
Interest rate Spread 4.55% 4.58%
Details about the distributable Profit
(As per NRB Regulation)
Details about the distributable Profit Amount NPR
Opening Retained Earning (31,418,947.16)
Add:
Net Profit or (Loss) as per Statement Profit / Loss 6,142,330.61
1. Appropriations
1.1 Profit required to be appropriated to:
a. General Reserve (1,228,466.12)
b. Capital Redemption Reserve -
c. Exchange Fluctuation Fund -
d. CSR Fund (61,423.31)
e. Employee Training Fund (188,931.87)
f. Other -
1.2 Profit required to be transferred to Regulatory Reserve
a. Transferred to Regulatory Reserve -
b. Transferred from Regulatory Reserve (3,041,300.35)
Net Profit for the period ended 1st quarter available for distribution (29,796,738.20)
1. Above Financial statements are prepared in accordance with Nepal Financial Reporting Standards (NFRS) and certain carve-outs as issued by ICAN.
2. The financial statement may have some changes as per the direction of Statutory Auditor or Supervisory Body
3. Figures have been regrouped and rearranged wherever necessary.
4. Loans and Advances consists of accrued interest receivable net of interest suspense and have been presented in net of any impairment.
5. Loans and Advances to customers include loan to customers and loan to Employees which have been measured at amortized cost.
6. Personnel expenses include employee bonus provision.
7. NFRS adjustment which are subject to regulatory adjustments as per NRB directives have been shown as regulatory adjustments.
8. Other Comprehensive income includes the fair value changes of items prescribed by NFRS net of tax.
9. The detailed interim report has been published in website www.corporatebank.com.np.
First Quarter Statement of F.Y. 2083/84 (Pertaining to Sub-rule (1) of Rule 26 of Securities Registration and Issue Regulations, 2073)
1. Financial Statement:
a) Balance Sheet and Profit and Loss Statement for the quarterly period have been published herewith.
b) Major Financial Ratios:
Earnings Per Share (Annualized) Rs. 4.68 Net Worth Per Share Rs. 630.17
Price Earnings Ratio Rs. 165.18 Liquidity Ratio 53.39%
Net Worth Per Share Rs. 146.86
2. Management Analysis:
a) Details regarding major causes of changes in the institution's reserve, income, and liquidity during the quarterly period:
Transaction growth, taking additional deposits, issuing loans and making new loan investments, collection of outstanding principal and interest, as well as the bank's cash balance, income, and liquidity have shown satisfactory growth.
b) Management's analytical details regarding business plans for the upcoming period:
The bank is operating its business in Province No. 2 through 2 branches in Parsa district, 1 branch in Bardibas of Mahottari district, and 1 branch in Barahathawa of Sarlahi district, total 4 branch offices and 1 Head Office in Parsa district. In this fiscal year, the bank has adopted a policy of expanding business along with maintaining quality. The bank will prioritize expanding branches in Parsa, Bara, Rautahat, Sarlahi, and Mahottari districts to accordingly expand business, recovery, and enhance service quality and reach.
c) Analytical details regarding events or conditions from past experience that may materially affect the institution's reserve, profit, or cash flow:
The bank is aware of the potential impacts on interest rates caused by periodic liquidity contraction and expansion in the banking sector, mutual competition in interest rates, and increasing operating expenses, so it will not have to face such severe problems.
3. Legal Proceedings Details:
a) During the last quarterly period, the bank has not filed any lawsuit against anyone, and no information has been received regarding any lawsuit filed against the bank.
b) No information has been received regarding any lawsuit filed by or against the bank's promoters or directors concerning violation of prevailing regulations or criminal offenses.
c) No information has been received regarding any lawsuit filed by or against any promoter or director concerning financial crimes.
4. Analysis Regarding Share Transactions of the Corporate Body:
a) Although political conditions in Nepal, Nepal Rastra Bank policies, and other factors affect the securities market resulting in normal fluctuations in market prices during secondary market share transactions, the share transactions of this bank have remained satisfactory.
b) According to Nepal Stock Exchange Limited's website www.nepalstock.com, share transactions of this bank up to the latest quarter appear as follows:
Maximum Price Rs. 1,640.00 Trading Days 61
Minimum Price Rs. 725.00 Number of Shares Traded 22,62,106 shares
Closing Price Rs. 773.00
5. Problems and Challenges:
Transitionary economic and political situation of the country, potential sudden policy changes and competitive challenges, business expansion challenges due to liquidity crunch seen in the financial market, and unexpected natural/divine disasters.
6. Corporate Governance:
a) Directives issued by Nepal Rastra Bank including corporate governance are being complied with, along with prevailing acts: Companies Act, 2063, Bank and Financial Institutions Act, 2073, Nepal Rastra Bank Act, 2058, Securities Act, 2063, Income Tax Act, 2058, etc.
b) Policies, rules, and guidelines including the bank's Memorandum of Association, Articles of Association, Employee Service Regulations, Financial Administration Regulations, Financial Service Guidelines, Internal Audit Guidelines, Asset Liability Management Policy, and Investment Policy have been framed and followed.
c) The bank has formed an Audit Committee, Risk Management Committee, and Employee Facilities Committee at the Board of Directors level to make its transactions efficient, prompt, and streamline internal control systems effectively.
7. Declaration by the Chief Executive Officer regarding Truthfulness and Accuracy:
As of today's date, I personally take responsibility for the accuracy of the information and details mentioned in this report. Furthermore, I declare that to the best of my knowledge and belief, the details stated in this report are true, factual, and complete, and no details, notices, or information necessary for investors to make informed decisions have been concealed.