
मल्टीपर्पस फाइनान्सको प्रथम त्रैमासिक वित्तीय विवरणMultipurpose Finance Q1 Unaudited Financial Results
- वर्ग:Category:
- Financial Analysis
- प्रकाशित मिति:Published:
- Published on November 3, 2026
Unaudited Financial Results (Quarterly)
Condensed Statement of Financial Position (Quarterly)
As on Quarter Ended 31st Ashwin, 2083
Figures in NPR
| Particulars | This Quarter Ending | Immediate Previous Year Ending |
|---|---|---|
| Assets | ||
| Cash and cash equivalent | 142,422,130.53 | 181,379,961.11 |
| Due from Nepal Rastra Bank | 188,177,088.45 | 179,585,559.80 |
| Placement with Bank and Financial Institutions | - | - |
| Derivative financial instruments | - | - |
| Other trading assets | - | - |
| Loans and advances to customers | 2,362,195,066.11 | 2,337,649,760.71 |
| Investment in securities | 1,326,362,449.10 | 1,530,195,051.40 |
| Current Tax Assets | 5,565,775.53 | 6,556,203.49 |
| Investment in subsidiaries | - | - |
| Investment in Associates | - | - |
| Investment property | 51,693,313.00 | 52,233,313.00 |
| Property and equipment | 229,147,359.51 | 219,880,277.32 |
| Goodwill and Intangible Assets | 3,398,488.78 | 3,611,851.54 |
| Deferred tax assets | - | - |
| Other assets | 38,568,598.93 | 57,124,630.22 |
| Total Assets | 4,347,530,269.95 | 4,568,216,608.59 |
| Liabilities and Equity | ||
| Liabilities: | ||
| Due to Bank and Financial Institutions | - | - |
| Due to Nepal Rastra Bank | - | - |
| Derivative Financial instruments | - | - |
| Deposit from customers | 3,549,557,996.10 | 3,759,057,903.94 |
| Borrowings | - | - |
| Current Tax Liabilities | - | - |
| Provisions | - | - |
| Deferred tax liabilities | 5,073,907.00 | 5,073,907.00 |
| Other liabilities | 46,638,985.76 | 61,131,175.84 |
| Debt securities issued | - | - |
| Subordinated Liabilities | - | - |
| Total Liabilities | 3,601,270,888.86 | 3,825,262,986.78 |
| Equity: | ||
| Share Capital | 610,200,000.00 | 610,200,000.00 |
| Share premium | 10,540,719.46 | 10,540,719.46 |
| Retained earning | 35,934,216.51 | 30,212,631.89 |
| Reserves | 89,584,445.11 | 92,000,270.46 |
| Total equity attributabe to equity holders | 746,259,381.09 | 742,953,621.81 |
| Non-controlling interests | - | - |
| Total equity | 746,259,381.09 | 742,953,621.81 |
| Total Equity & Liabilities | 4,347,530,269.95 | 4,568,216,608.59 |
Condensed Statement of Profit or Loss
For the Quarter Ended 31st Ashwin, 2083
| Particulars | Current Year This Quarter Up to | Current Year This Quarter (YTD) | Previous year Corresponding This Quarter Up to | Previous year Corresponding This Quarter (YTD) |
|---|---|---|---|---|
| Interest Income | 73,538,170.25 | 73,538,170.25 | 64,262,878.94 | 64,262,878.94 |
| Interest Expense | 42,103,057.58 | 42,103,057.58 | 46,570,907.49 | 46,570,907.49 |
| Net interest Income | 31,435,112.67 | 31,435,112.67 | 17,691,971.45 | 17,691,971.45 |
| Fees and Commission Income | 4,463,614.61 | 4,463,614.61 | 2,851,404.76 | 2,851,404.76 |
| Fees and Commission Expense | - | - | - | - |
| Net fee and Commission Income | 4,463,614.61 | 4,463,614.61 | 2,851,404.76 | 2,851,404.76 |
| Net interest fee and commission income | 35,898,727.28 | 35,898,727.28 | 20,543,376.21 | 20,543,376.21 |
| Net Trading Income | - | - | - | - |
| Other Operating Income | 3,067,001.69 | 3,067,001.69 | 18,817,805.61 | 18,817,805.61 |
| Total Operating Income | 38,965,728.97 | 38,965,728.97 | 39,361,181.82 | 39,361,181.82 |
| Impairment charge/(reversal) for loans and other losses | 3,473,983.38 | 3,473,983.38 | -787,258.55 | -787,258.55 |
| Net Operating Income | 35,491,745.59 | 35,491,745.59 | 40,148,440.37 | 40,148,440.37 |
| Personnel Expense | 15,039,368.46 | 15,039,368.46 | 13,105,493.03 | 13,105,493.03 |
| Other Operating Expenses | 13,371,235.43 | 13,371,235.43 | 5,282,352.19 | 5,282,352.19 |
| Depreciation and amortisation | 2,416,389.48 | 2,416,389.48 | 1,693,894.74 | 1,693,894.74 |
| Operating Expenses | 30,826,993.37 | 30,826,993.37 | 20,081,739.96 | 20,081,739.96 |
| Net Operating Profit | 4,664,752.22 | 4,664,752.22 | 20,066,700.41 | 20,066,700.41 |
| Non Operating Income | - | - | - | - |
| Non Operating Expense | - | - | 684,278.69 | 684,278.69 |
| Profit Before Income tax | 4,664,752.22 | 4,664,752.22 | 19,382,421.72 | 19,382,421.72 |
| Income tax expense | 1,399,425.67 | 1,399,425.67 | 5,814,726.52 | 5,814,726.52 |
| Current tax | 1,399,425.67 | 1,399,425.67 | 5,814,726.52 | 5,814,726.52 |
| Deferred tax | - | - | - | - |
| Profit for the year | 3,265,326.56 | 3,265,326.56 | 13,567,695.20 | 13,567,695.20 |
| Particulars | Current Year This Quarter Up to | Current Year This Quarter (YTD) | Previous year Corresponding This Quarter Up to | Previous year Corresponding This Quarter (YTD) |
|---|---|---|---|---|
| Condensed Statement of Comprehensive Income | ||||
| Profit for the period | 3,265,326.56 | 3,265,326.56 | 13,567,695.20 | 13,567,695.20 |
| Other comprehensive income | - | - | - | - |
| Total comprehensive income | 3,265,326.56 | 3,265,326.56 | 13,567,695.20 | 13,567,695.20 |
| Basic Earning Per Share (Annualised) | 2.14 | 8.89 | ||
| Diluted Earning Per Share (Annualised) | 2.14 | 8.89 | ||
| Profit attributable to: | ||||
| Equity holders of the bank | 3,265,326.56 | 3,265,326.56 | 13,567,695.20 | 13,567,695.20 |
| Non-controlling interests | - | - | - | - |
| Total | 3,265,326.56 | 3,265,326.56 | 13,567,695.20 | 13,567,695.20 |
Ratios as per NRB Directives
Particulars Current Year Previous year Corresponding
This Quarter Up to This Quarter (YTD) This Quarter Up to This Quarter (YTD)
Capital Fund to RWA 23.10% 18.52%
Non-Performing Loan (NPL) to Total Loan 3.62% 6.93%
Total Loan Loss Provision to Total NPL 115.21% 79.43%
Cost of Funds 4.53% 5.79%
Credit to Deposit Ratio 69.30% 60.90%
Base Rate 7.55% 9.09%
Interest Rate Spread 4.58% 4.47%
Notes to Financial Statement
1. Figures presented above may vary with the audited figures as per the instruction or requirement of the banking regulator and/or statutory auditor.
2. Above financial have been prepared in according with NRB Directive No 4 and applicable Nepal Financial Reporting Standard (NFRS) by applying certain carve-out in NFRS as issued by The institution of Nepal Chartered accountants of Nepal (ICAN).
3. Impairment on credit exposures has been recognized in accordance with Nepal Rastra Bank existing regulatory provisions outlined in the Unified Directives 2082, as these provisions resulted in a higher impairment amount compared to the Expected Credit Loss(ECL) calculated under Nepal Financial Reporting Standard (NFRS 9).
4. Interest Income on Loan & Advances has been recognized as per Guidance Note on Interest Income Recognition, 2025 issued by Nepal Rastra Bank.
5. Loans and advances are presented excluding staff loans and net of impairment charges.
6. Investments are recognized at their fair value i.e. after charging impairment charge or fair value gain as per their classification.
7. Personnel expenses includes provision for staff bonus which has been calculated as per provision of Bonus Act.
8. Figures are regrouped and reclassified wherever appropriate for fair presentation.
9. The detailed Interim report has been published in the Financial Institution website https://multipurposefinance.com
धितोपत्र दर्ता तथा निष्काशन नियमावली, २०७३ को
नियम २६ को उपनियम (१) अनुसूची १४ संग सम्बन्धित त्रैमासिक प्रतिवेदन।
(आ.व. २०८३/८४ को प्रथम त्रैमासिक विवरण)
१. वित्तीय विवरणः
क. त्रैमासिक अवधिको वासलात, नाफा नोक्सान सम्बन्धी विवरणः
आर्थिक वर्ष २०८३/८४ को प्रथम त्रैमासिकअवधिको अपरिष्कृत (Unaudited) वासलात तथा नाफा नोक्सान सम्बन्धी विवरण यसै साथ प्रकाशित गरिएको छ र यस वित्तीय संस्थाको वेवसाइट: https://multipurposefinance.com मा पनि राखिएको छ।
ख. प्रमुख वित्तीय अनुपातहरुः
प्रति शेयर नेटवर्थ १२२।३० प्रति शेयर आम्दानी (वार्षिक) २।१४
मूल्य आम्दानी अनुपात २७१।९० तरलता अनुपात ४०।३५
प्रति शेयर कुल सम्पत्तिको मूल्य ७२१।४८
२. व्यवस्थापकीय विश्लेषणः
क. यस वित्तीय संस्थाको हालसम्मको समग्र व्यवसायिक तथा वित्तीय स्थिती व्यवस्थापनको योजना अनुरुप नै रहेको छ। यस वित्तीय संस्थाले व्यवसायको विकास र विस्तारका लागि नयाँ नयाँ क्षेत्रमा र कार्यक्रमको खोजी गर्ने क्रममा लगानीका क्षेत्रहरुको विस्तार, व्यवसायिक संजालको वृद्धि, विविधिकरण र गुणस्तरीय सेवा प्रदान गर्ने उद्देश्य लिई सोही बमोजिम कार्य सम्पादन गर्दै आएको छ । यस समीक्षा अवधिमा बजारमा देखिएको तरलता अधिकताको कारण वित्तीय संस्थामा निक्षेप संकलनहरू रुपले वृद्धि भएता पनि कर्जा माग नहुँदा लगानी सन्तोषजनक रुपमा वृद्धि नभएको तर आउँदो त्रैमासमा निक्षेप, कर्जा लगानी तथा असुली सन्तोषजनक भई यी सूचकहरु सुधार हुने व्यवस्थापनको अनुमान रहेको छ।
ख. आगामी दिनहरुमा गुणस्तरीय सेवा वृद्धि गर्नुका साथै समय सापेक्ष व्यवसायिक योजनाको तर्जुमा तथा कार्यान्वयन गर्ने, लगानीका नयाँ क्षेत्रहरुको खोजी गर्ने, नयाँ शाखाहरुको स्थापना गर्ने र व्यवसायिक विविधिकरण तथा ग्राहकको चाहना बमोजिम आधुनिक बैंकिङ्ग तथा वित्तीय सेवा तथा सुविधाहरु उपलब्ध गराउने जस्ता कुराहरुमा वित्तीय संस्थाको व्यवस्थापन प्रतिवद्ध छ।
ग. यस वित्तीय संस्थाको मौज्दात, नाफा वा नगद प्रवाहमा तात्विक असर पार्न सक्ने घटना, अवस्था समीक्षा अवधिमा नरहेको ।
३. कानूनी कारवाही सम्बन्धी विवरणः
क. यस त्रैमासिक अवधिमा वित्तीय संस्थाले कसैको विरुद्धमा कुनै मुद्दा दायर नगरेको र वित्तीय संस्था विरुद्ध मुद्दा दायर भएको कुनै पनि सूचना प्राप्त नभएको।
ख. वित्तीय संस्थाको संस्थापक वा सञ्चालकले वा संस्थापक वा सञ्चालकको विरुद्धमा प्रचलित नियमको अवज्ञा वा फौजदारी अपराध गरेको सम्बन्धमा कुनै मुद्दा दायर भएको जानकारीमा नआएको ।
ग. कुनै संस्थापक वा सञ्चालक विरुद्ध आर्थिक अपराध गरेको सम्बन्धमा कुनै मुद्दा दायर भएको जानकारीमा नरहेको ।
४. वित्तीय संस्थाको शेयर कारोबार सम्बन्धी विश्लेषणः
क. नेपाल स्टक एक्सचेन्ज लि. तथा धितोपत्र बोर्डको व्यवस्थाको अधिनमा रही कारोबार रहेको।
ख. यस अवधिमा शेयरको अधिकतम, न्यूनतम, अन्तिम मूल्य कारोबार भएको कुल दिन तथा कारोबार संख्या (नेपाल स्टक एक्सचेन्ज लि. को वेबसाइट अनुसार):
अधिकतम मूल्य ६५३ कारोबार भएको कुल दिन ६१
न्यूनतम मूल्य ५३५ कारोबार संख्या ३५७९
अन्तिम मूल्य ५८२ कारोबार भएको कित्ता संख्या ५८५९२५
५. समस्या तथा चुनौतीः
वित्तीय क्षेत्रमा भएको बढ्दो प्रतिष्पर्धा र अर्थ-तन्त्रमा आएको संकुचनको कारण कर्जा मागमा कमी आई सम्पूर्ण आर्थिक कारोवारहरु मन्द रहेको। साथै, लगानी योग्य उत्पादनशील क्षेत्रको अभाव, दक्षजनशक्तिको व्यवस्थापन, न्यून आर्थिक वृद्धिदर, धरौटीको कारोबारमा आएको मन्दी आदिबाट श्रृजना हुन सक्ने जोखिमलाई कम्पनीले समस्या तथा चुनौतीको रुपमा लिएको छ। कावु बाहिरका परिस्थिति बाहेक उपरोक्त चुनौती तथा समस्या समाधान गर्न आन्तरिक नियन्त्रण प्रणालीलाई चुस्त दुरुस्त गरी ग्राहकमुखी सेवा प्रदान गर्ने तथा दक्षजनशक्ति व्यवस्थापन गर्ने रणनीति कम्पनीले लिएको छ।
६. संस्थागत सुशासनः
यस वित्तीय संस्थाले संस्थागत सुशासन सम्बन्धी नेपाल राष्ट्र बैंक लगायत सम्बन्धित नियमंकारी निकायहरुबाट प्राप्त मार्ग निर्देशनहरु उच्च प्राथमिकताका साथ पालना गर्दै आएको छ। वित्तीय संस्थाको सुशासन अभिवृद्धि एवं वित्तीय संस्थाले गर्ने कार्यहरु पारदर्शी एवं नियम संगत गर्नका लागि सञ्चालक समिति, लेखापरीक्षण समिति, जोखिम व्यवस्थापन समिति, सम्पत्ति शुद्धिकरण निवारण सम्बन्धी समिति र कर्मचारी व्यवस्थापन तथा सेवा सुविधा समिति क्रियाशील रहेको छ। आन्तरिक नियन्त्रण प्रणालीलाई व्यवस्थित गर्न आन्तरिक लेखापरीक्षक नियुक्त गरिएको र आन्तरिक लेखापरीक्षण गरी लेखापरीक्षकले दिएको सुझाव तथा सल्लाहहरु व्यवस्थापन मार्फत कार्यान्वयन तथा समीक्षा गर्न लेखापरीक्षण समिति क्रियाशील रहेको छ। वित्तीय संस्थाको कारोवारलाई व्यवस्थित गर्न आन्तरिक नीति, नियम तथा निर्देशिकाहरु तर्जुमा गरी लागू गरिएको छ।
७. सत्य, तथ्यता सम्बन्धमा कार्यकारी प्रमुखको उद्घोषणः
आजका मिति सम्म यस प्रतिवेदनमा उल्लेखित जानकारी तथा विवरणहरुको शुद्धता सम्बन्धमा म व्यक्तिगत रुपमा उत्तरदायित्व लिन्छु। साथै म यो उद्घोष गर्दछु की मैले जाने बुझे सम्म यस प्रतिवेदनमा उल्लेखित विवरणहरु सत्य, तथ्य र पूर्ण छन् र लगानीकर्ताहरुलाई सुसूचित निर्णय लिन आवश्यक कुनै विवरण, सूचना तथा जानकारीहरु लुकाइएको छैन।
Unaudited Financial Results (Quarterly)
Condensed Statement of Financial Position (Quarterly)
As on Quarter Ended 31st Ashwin, 2083
Figures in NPR
| Particulars | This Quarter Ending | Immediate Previous Year Ending |
|---|---|---|
| Assets | ||
| Cash and cash equivalent | 142,422,130.53 | 181,379,961.11 |
| Due from Nepal Rastra Bank | 188,177,088.45 | 179,585,559.80 |
| Placement with Bank and Financial Institutions | - | - |
| Derivative financial instruments | - | - |
| Other trading assets | - | - |
| Loans and advances to customers | 2,362,195,066.11 | 2,337,649,760.71 |
| Investment in securities | 1,326,362,449.10 | 1,530,195,051.40 |
| Current Tax Assets | 5,565,775.53 | 6,556,203.49 |
| Investment in subsidiaries | - | - |
| Investment in Associates | - | - |
| Investment property | 51,693,313.00 | 52,233,313.00 |
| Property and equipment | 229,147,359.51 | 219,880,277.32 |
| Goodwill and Intangible Assets | 3,398,488.78 | 3,611,851.54 |
| Deferred tax assets | - | - |
| Other assets | 38,568,598.93 | 57,124,630.22 |
| Total Assets | 4,347,530,269.95 | 4,568,216,608.59 |
| Liabilities and Equity | ||
| Liabilities: | ||
| Due to Bank and Financial Institutions | - | - |
| Due to Nepal Rastra Bank | - | - |
| Derivative Financial instruments | - | - |
| Deposit from customers | 3,549,557,996.10 | 3,759,057,903.94 |
| Borrowings | - | - |
| Current Tax Liabilities | - | - |
| Provisions | - | - |
| Deferred tax liabilities | 5,073,907.00 | 5,073,907.00 |
| Other liabilities | 46,638,985.76 | 61,131,175.84 |
| Debt securities issued | - | - |
| Subordinated Liabilities | - | - |
| Total Liabilities | 3,601,270,888.86 | 3,825,262,986.78 |
| Equity: | ||
| Share Capital | 610,200,000.00 | 610,200,000.00 |
| Share premium | 10,540,719.46 | 10,540,719.46 |
| Retained earning | 35,934,216.51 | 30,212,631.89 |
| Reserves | 89,584,445.11 | 92,000,270.46 |
| Total equity attributabe to equity holders | 746,259,381.09 | 742,953,621.81 |
| Non-controlling interests | - | - |
| Total equity | 746,259,381.09 | 742,953,621.81 |
| Total Equity & Liabilities | 4,347,530,269.95 | 4,568,216,608.59 |
Condensed Statement of Profit or Loss
For the Quarter Ended 31st Ashwin, 2083
| Particulars | Current Year This Quarter Up to | Current Year This Quarter (YTD) | Previous year Corresponding This Quarter Up to | Previous year Corresponding This Quarter (YTD) |
|---|---|---|---|---|
| Interest Income | 73,538,170.25 | 73,538,170.25 | 64,262,878.94 | 64,262,878.94 |
| Interest Expense | 42,103,057.58 | 42,103,057.58 | 46,570,907.49 | 46,570,907.49 |
| Net interest Income | 31,435,112.67 | 31,435,112.67 | 17,691,971.45 | 17,691,971.45 |
| Fees and Commission Income | 4,463,614.61 | 4,463,614.61 | 2,851,404.76 | 2,851,404.76 |
| Fees and Commission Expense | - | - | - | - |
| Net fee and Commission Income | 4,463,614.61 | 4,463,614.61 | 2,851,404.76 | 2,851,404.76 |
| Net interest fee and commission income | 35,898,727.28 | 35,898,727.28 | 20,543,376.21 | 20,543,376.21 |
| Net Trading Income | - | - | - | - |
| Other Operating Income | 3,067,001.69 | 3,067,001.69 | 18,817,805.61 | 18,817,805.61 |
| Total Operating Income | 38,965,728.97 | 38,965,728.97 | 39,361,181.82 | 39,361,181.82 |
| Impairment charge/(reversal) for loans and other losses | 3,473,983.38 | 3,473,983.38 | -787,258.55 | -787,258.55 |
| Net Operating Income | 35,491,745.59 | 35,491,745.59 | 40,148,440.37 | 40,148,440.37 |
| Personnel Expense | 15,039,368.46 | 15,039,368.46 | 13,105,493.03 | 13,105,493.03 |
| Other Operating Expenses | 13,371,235.43 | 13,371,235.43 | 5,282,352.19 | 5,282,352.19 |
| Depreciation and amortisation | 2,416,389.48 | 2,416,389.48 | 1,693,894.74 | 1,693,894.74 |
| Operating Expenses | 30,826,993.37 | 30,826,993.37 | 20,081,739.96 | 20,081,739.96 |
| Net Operating Profit | 4,664,752.22 | 4,664,752.22 | 20,066,700.41 | 20,066,700.41 |
| Non Operating Income | - | - | - | - |
| Non Operating Expense | - | - | 684,278.69 | 684,278.69 |
| Profit Before Income tax | 4,664,752.22 | 4,664,752.22 | 19,382,421.72 | 19,382,421.72 |
| Income tax expense | 1,399,425.67 | 1,399,425.67 | 5,814,726.52 | 5,814,726.52 |
| Current tax | 1,399,425.67 | 1,399,425.67 | 5,814,726.52 | 5,814,726.52 |
| Deferred tax | - | - | - | - |
| Profit for the year | 3,265,326.56 | 3,265,326.56 | 13,567,695.20 | 13,567,695.20 |
| Particulars | Current Year This Quarter Up to | Current Year This Quarter (YTD) | Previous year Corresponding This Quarter Up to | Previous year Corresponding This Quarter (YTD) |
|---|---|---|---|---|
| Condensed Statement of Comprehensive Income | ||||
| Profit for the period | 3,265,326.56 | 3,265,326.56 | 13,567,695.20 | 13,567,695.20 |
| Other comprehensive income | - | - | - | - |
| Total comprehensive income | 3,265,326.56 | 3,265,326.56 | 13,567,695.20 | 13,567,695.20 |
| Basic Earning Per Share (Annualised) | 2.14 | 8.89 | ||
| Diluted Earning Per Share (Annualised) | 2.14 | 8.89 | ||
| Profit attributable to: | ||||
| Equity holders of the bank | 3,265,326.56 | 3,265,326.56 | 13,567,695.20 | 13,567,695.20 |
| Non-controlling interests | - | - | - | - |
| Total | 3,265,326.56 | 3,265,326.56 | 13,567,695.20 | 13,567,695.20 |
Ratios as per NRB Directives
Particulars Current Year Previous year Corresponding
This Quarter Up to This Quarter (YTD) This Quarter Up to This Quarter (YTD)
Capital Fund to RWA 23.10% 18.52%
Non-Performing Loan (NPL) to Total Loan 3.62% 6.93%
Total Loan Loss Provision to Total NPL 115.21% 79.43%
Cost of Funds 4.53% 5.79%
Credit to Deposit Ratio 69.30% 60.90%
Base Rate 7.55% 9.09%
Interest Rate Spread 4.58% 4.47%
Notes to Financial Statement
1. Figures presented above may vary with the audited figures as per the instruction or requirement of the banking regulator and/or statutory auditor.
2. Above financial have been prepared in according with NRB Directive No 4 and applicable Nepal Financial Reporting Standard (NFRS) by applying certain carve-out in NFRS as issued by The institution of Nepal Chartered accountants of Nepal (ICAN).
3. Impairment on credit exposures has been recognized in accordance with Nepal Rastra Bank existing regulatory provisions outlined in the Unified Directives 2082, as these provisions resulted in a higher impairment amount compared to the Expected Credit Loss(ECL) calculated under Nepal Financial Reporting Standard (NFRS 9).
4. Interest Income on Loan & Advances has been recognized as per Guidance Note on Interest Income Recognition, 2025 issued by Nepal Rastra Bank.
5. Loans and advances are presented excluding staff loans and net of impairment charges.
6. Investments are recognized at their fair value i.e. after charging impairment charge or fair value gain as per their classification.
7. Personnel expenses includes provision for staff bonus which has been calculated as per provision of Bonus Act.
8. Figures are regrouped and reclassified wherever appropriate for fair presentation.
9. The detailed Interim report has been published in the Financial Institution website https://multipurposefinance.com
Quarterly Report Related to Sub-Rule (1) of Rule 26 of Securities Registration and Issue Rules, 2073
(First Quarterly Details of F.Y. 2083/84)
1. Financial Statements:
a. Quarterly Balance Sheet, Profit and Loss Statement Details:
Unaudited Balance Sheet and Profit and Loss statement details for the first quarter of Fiscal Year 2083/84 have been published herewith and also placed on this financial institution's website: https://multipurposefinance.com.
b. Major Financial Ratios:
Networth Per Share: 122।30 Earnings Per Share (Annualized): 2।14
Price Earnings Ratio: 271।90 Liquidity Ratio: 40।35
Total Assets Value Per Share: 721।48
2. Management Analysis:
a. The overall business and financial status of this financial institution till now remains according to the management's plan. In order to expand and develop the business, the financial institution has been working with the objective of expanding investment areas, increasing business network, diversification, and providing quality service while searching for new areas and programs. During this review period, due to excess liquidity in the market, although deposit collections increased in the financial institution, due to lack of loan demand, investment did not increase satisfactorily; however, management estimates that in the coming quarters, deposit, loan investment, and recovery will be satisfactory and these indicators will improve.
b. The management of the financial institution is committed to improving quality service in the coming days, formulating and implementing time-relevant business plans, searching for new investment areas, establishing new branches, and providing modern banking and financial services and facilities as per business diversification and customer desires.
c. There were no events or conditions during the review period that could materially affect the financial institution's inventory, profit, or cash flows.
3. Legal Proceedings Details:
a. In this quarterly period, the financial institution has not filed any lawsuit against anyone, and no information has been received regarding any lawsuit filed against the financial institution.
b. No information has been received regarding any lawsuit filed against the promoter or director of the financial institution concerning violation of prevailing rules or commission of criminal offense.
c. No information has been received regarding any lawsuit filed against any promoter or director concerning financial crime.
4. Analysis of Company's Share Transactions:
a. Transactions are being conducted under the regulation of Nepal Stock Exchange Ltd. and Securities Board.
b. Maximum, minimum, closing price of shares, total days traded, and transaction count during this period (as per Nepal Stock Exchange Ltd. website):
Maximum Price: 653 Total Days Traded: 61
Minimum Price: 535 Number of Transactions: 3579
Closing Price: 582 Traded Share Quantity: 585925
5. Problems and Challenges:
Due to increasing competition in the financial sector and economic contraction, loan demand has decreased and overall economic transactions remain slow. Furthermore, the company considers the lack of investable productive sectors, management of skilled human resources, low economic growth rate, and slowdown in collateral transactions as risks that could create problems and challenges. Except for circumstances beyond control, the company has adopted strategies to make internal control systems efficient to resolve the above challenges and problems, provide customer-oriented service, and manage skilled human resources.
6. Corporate Governance:
This financial institution has been complying with the guidelines received from Nepal Rastra Bank and related regulatory bodies with high priority. To enhance governance in the financial institution and make operations transparent and legal, the Board of Directors, Audit Committee, Risk Management Committee, Anti-Money Laundering Committee, and Employee Management and Facilities Committee are active. An internal auditor has been appointed to organize the internal control system, and the Audit Committee is active to implement and review suggestions and advice given by the auditor through management. Internal policies, rules, and guidelines have been formulated and implemented to organize the operations of the financial institution.
7. Declaration by Executive Chief regarding Truthfulness and Accuracy:
I personally take responsibility for the accuracy of the information and details mentioned in this report up to today's date. Furthermore, I declare that to the best of my knowledge and belief, the details mentioned in this report are true, factual, and complete, and no details, notices, or information necessary for investors to make informed decisions have been concealed.