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आधिकारिक सूचनाOfficial AnnouncementFinancial Analysis
13 Aug, 2026
नाडेप लघुवित्त वित्तीय संस्थाको आ.व. २०८२/०८३ को चौथो त्रैमासिक वित्तीय विवरण

नाडेप लघुवित्त वित्तीय संस्थाको आ.व. २०८२/०८३ को चौथो त्रैमासिक वित्तीय विवरणNadep Laghubitta Bittiya Sanstha: Q4 Unaudited Financial Statements FY 2082/083

वर्ग:Category:
Financial Analysis
प्रकाशित मिति:Published:
Published on August 13, 2026

NADEP Laghubitta Bittiya Sanstha Limited

Unaudited Interim Financial Statement

Condensed Statement of Financial Position

As on 32nd Ashadh, 2083

Figures in NPR

Assets This Quarter Ending Immediate Previous Year Ending

ASSETS

Cash and Cash Equivalents268,576,890213,646,957
Statutory Balances and Due from Nepal Rastra Bank29,929,03035,930,530
Placement with Bank and Financial Institutions--
Derivative Financial Instruments--
Other Trading Assets--
Loans and Advance to MFIs and Cooperatives--
Loans and Advances to Customers6,026,915,3325,830,978,058
Investment Securities1,156,6381,156,638
Current Tax Assets87,342,36376,294,665
Investment Properties--
Property and Equipments26,151,08722,280,628
Goodwill and Intangible Assets330,184606,025
Deferred Tax Assets103,819,08688,374,201
Other Assets787,585,310199,005,749
Total Assets7,331,805,9206,468,273,451

LIABILITIES

Due to Bank and Financial Institutions--
Due to Nepal Rastra Bank--
Derivative Financial Instruments--
Deposits From Customers2,427,734,2921,918,686,763
Borrowings3,007,674,7133,035,284,704
Current Tax Liabilities61,456,757-
Provisions--
Deferred Tax Liabilities--
Other Liabilities900,890,427707,571,040
Debt Securities Issued--
Subordinated Liabilities--
Total liabilities6,397,756,1905,661,542,507

EQUITY

Share Capital485,760,000485,760,000
Share Premium--
Retained Earnings16,126,587(38,094,173)
Reserves432,163,143359,065,118
Total equity934,049,730806,730,945
Total Liabilities and Equity7,331,805,9206,468,273,451
Statement of Distributable Profit
Figures in NPR
Net profit for the period ended 32nd Ashadh,2083143,399,101

1.1Profit required to be appropraited to: 36,331,840

a. General Reserve 28,679,820

b. Capital Redemption Reserve -

c. Exchange Fluctuation Reserve -

d. Corporate Social Responsibility fund 1,433,991

e. Employee Training fund 4,784,038

f. Client Protection Fund 1,433,991

g. Other -

1.2 Profit required to be transferred to Regulatory Reserve: -

a. Transferred to Regulatory Reserve -

b. Transferred from Regulatory Reserve -

Net profit for the period ended 32nd Ashadh, 2083 available for distribution 107,067,260

Opening Retained Earning as on 1st Shrawan2082(90,940,673)
Total Distributable profit or (loss) as on 32nd Ashadh,208316,126,587

Total Distributable Profit/(Loss) per share 3.32

Notes:

1. Above financial statements are prepared in accordance with Nepal Financial Reporting Standards (NFRS) and certain Carve-outs issued by the Institute of Chartered Accountants of Nepal (ICAN).

2. These figures may vary at the instances of statutory auditors and regulators.

3. The detailed interim financial report has been published in the website.

4. Loans and Advances are presented net of impairment charges and includes staff loans.

5. Actuarial Valuation will be done for Employee Benefits.

6. Personnel Expenses also include employee's bonus provision.

7. Previous period figures are regrouped/rearranged/restated wherever necessary for consistent presentation and comparison.

Condensed Statement of Profit or Loss

For the 4th Quarter ended 32nd Ashadh, 2083

Figures in NPR

Particulars Current Year This Quarter Current Year Upto This Quarter (YTD) Previous Year Corresponding This Quarter Previous Year Corresponding Upto This Quarter (YTD)
Interest income249,935,487838,681,741231,358,380821,291,338
Interest expense87,505,038351,537,679100,197,810420,194,615
Net interest income162,430,449487,144,062131,160,570401,096,723
Fees and commission income61,823,45464,120,64416,012,60147,774,799
Fees and commission expense----
Net fee and commission income61,823,45464,120,64416,012,60147,774,799
Net interest and commission income224,253,903551,264,706147,173,171448,871,522
Net trading income----
Other operating income----
Total operating income224,253,903551,264,706147,173,171448,871,522
Impairment charge/(reversal) for loans and other losses(34,909,684)(1,978,815)(10,838,225)22,192,453
Net operating income259,163,587553,243,521158,011,396426,679,069
Operating expense106,730,392348,387,66392,654,677350,346,518
Personnel expenses79,820,135262,138,87662,695,191261,845,007
Other operating expenses26,218,76483,774,94629,287,66286,004,425
Depreciation and Amortisation691,4932,473,841671,8242,497,086
Operating Profit152,433,195204,855,85865,356,71976,332,551
Non operating income--388,804420,514
Non operating expense----
Profit before income tax152,433,195204,855,85865,745,52376,753,065
Income tax expense33,554,19361,456,75719,723,65723,025,920
Current Tax33,554,19361,456,75719,723,65723,025,920
Deferred Tax expense/(income)----
Profit for the period118,879,002143,399,10146,021,86653,727,145
Condensed Statement of Comprehensive Income
Figures in NPR
Particulars Current Year This Quarter Current Year Upto This Quarter Previous Year Corresponding This Quarter Previous Year Corresponding Upto This Quarter
Profit for the Period-143,399,101-53,727,145
Other Comprehensive Income----
Total Comprehensive Income----
Basic Earning per share (Annualized)-29.52-11.06
Diluted Earning per share (Annualized)-29.52-11.06
Ratios as per NRB Directive
Particulars Current Year This Quarter Current Year Upto This Quarter Previous Year Corresponding This Quarter Previous Year Corresponding Upto This Quarter
Capital Fund to RWA--
Non Performing Loan (NPL) to Total Loan--
Total Loan Loss Provision to total NPL--
Cost of Funds--
CD Ratio (Calculated as per NRB Directives)--
Base Rate--
Interest Rate Spread--

Interest Rate

Against Member Saving – 7% to 8%

Against Loan & Advance- 14% to 15%

धितोपत्र दर्ता तथा निष्कासन नियमावली २०७३ नियम २६ उपनियम (१) सँग सम्बन्धित अनुसूची १४ बमोजिमको

नाडेप लघुवित्त वित्तीय संस्था लिमिटेडको आ.व. २०८२/०८३ को चौथो त्रैमासिक विवरण

१. प्रमुख वित्तीय विवरण :

क. त्रैमासिक अवधिको वासलात, नाफा/नोक्सान हिसाब सम्बन्धी विवरण :

यस वित्तीय संस्थाको वासलात, नाफा-नोक्सान सम्बन्धी विवरण यसै साथ प्रकाशित गरिएको छ र यो विवरणलाई नाडेप लघुवित्तको आधिकारीक वेभसाईट www.nadeplaghubitta.com मा समेत राखिएको छ।

ख. न्यूनतम रुपमा प्रमुख वित्तीय अनुपातहरु : प्रति शेयर आम्दानी, P/E Ratio, प्रति शेयर नेटवर्थ, प्रति शेयर कुल सम्पत्तिको मूल्य, तरलता अनुपात सम्बन्धी विवरण :

वासलातको आधारमा कम्पनीको प्रमुख वित्तीय अनुपातहरू निम्नानुसार रहेका छन् :

प्रति शेयर आम्दानी (वार्षिकीकरण) रु. प्रति शेयर बजार मूल्य रु. मूल्य आम्दानी अनुपात रु. प्रति शेयर खुद किताबी मूल्य रु. प्रति शेयर कुल सम्पत्तिको मूल्य रु. तरलता अनुपात

२९.५२ ७३९.५० २५.०५ १९२.२९ १,५०९.३५ ३.१६

२. व्यवस्थापकीय विश्लेषण :

क. त्रैमासिक अवधिमा संस्थाको मौज्दात, आम्दानी र तरलतामा कुनै परिवर्तन भएको भए सोको प्रमुख कारण सम्बन्धी विवरण:

आ.व. २०८२।०८३ को चौथो त्रैमासिक अवधिमा संस्थाको खुद नाफा अघिल्लो आ.व. को सोही अवधिको तुलनामा १६७ प्रतिशतले वृद्धि भई रु १४ ३४ करोड रहेको छ। यस अवधिमा संस्थाको खुद कर्जा लगानी अघिल्लो आ.व. को तुलनामा करिब ३.३६ प्रतिशतले वृद्धि भई रु ६०२ करोड रहेको छ । सोको अलावा संस्थाको समष्टिगत वित्तीय स्थिति, मौज्दात तथा तरलताको अवस्था सन्तोषजनक रहेको व्यवस्थापनको धारणा रहेको छ।

समग्र अर्थतन्त्रमा आएको आर्थिक सुस्तताको परिणाम स्वरुप बैंकिङ्ग क्षेत्रमा पर्याप्त तरलता र कर्जाको मागमा आएको कमी तथा सुस्ती व्यवसायका बाबजुद पनि व्यवसायीहरुको मनोबल बढ्न नसकेको र कर्जाको माग न्यून रहेको कारण संस्थाको कर्जा लगानीमा अपेक्षित वृद्धि हुन सकेको छैन । वित्तीय संस्थाको व्यावसायिक योजना तथा लक्ष्य अनुरूप प्रगति तथा आगामी दिनमा अझ सुधार गर्दै जान प्रयत्नशील छ।

ख. आगामी अवधिको व्यावसायिक योजना सम्बन्धमा व्यवस्थापकको विश्लेषणात्मक विवरण:

चालु आ.व. को यस त्रैमासको अन्त्यसम्ममा वित्तीय लक्ष्य हासिल गरेको प्रगति निम्नानुसार रहेको छ।

विवरणचालु आ.व. २०८२/०८३ चैत्र मसान्तचालु आ.व. २०८२/०८३ असार मसान्त
कुल सदस्य संख्या७६,९६२७६,६५७
बाँकी सापट (रु. हजारमा)६,३६९,०५५.६१६,५९१,१९९.०४
कुल बचत (रु. हजारमा)२,३९५,०८४.२४२,५२७,३३४.२९

ग. लघुवित्त तथा सहकारीको क्षेत्रमा देखिएका विविध समस्याहरू हालसम्म पनि विद्यमान रहेकोले यस वित्तीय संस्थाले आगामी दिनमा कर्जा असुली कार्यलाई प्रभावकारी बनाई कर्जाको गुणस्तर कायम राख्ने तथा जोखिम व्यवस्थापन तथा क्षमता अभिवृद्धिका लागि विभिन्न प्रकारका तालिम, गोष्ठी तथा अर्न्तक्रिया लगायतका कार्यक्रमहरु सञ्चालन गरी लक्ष्य हासिल गर्ने नीति लिएको छ।

घ. विगतको अनुभवबाट संगठित संस्थाको मौज्दात, नाफा वा नगद प्रवाहमा तात्विक असर पार्न सक्ने घटना अवस्था आएको भएमा सो सम्बन्धी विश्लेषणात्मक विवरण : सहकारी तथा लघुवित्तका विविध समस्याहरु हाल पनि विद्यमान रहेको परिप्रेक्ष्यमा व्यवसाय विस्तार भन्दा पनि व्यवसाय सुदृढिकरण गर्ने, वर्तमान वित्तीय बजार अनुसार प्रतिस्पर्धी दरमा गुणस्तरीय सेवा प्रवाह गर्ने, व्यावसायिक सम्बन्ध स्थापना गर्दा जोखिमको सावधानीपूर्वक विश्लेषण गर्ने र कर्जा असुली कार्यलाई प्रभावकारी बनाउने रणनीति लिईएको छ। संस्थाको पुंजी पर्याप्तता अनुपात बलियो बनाउन अर्थतन्त्रमा आउने सुधारसंगै व्यवसाय विस्तारलाई गति दिने नीति लिइएको छ।

३. कानूनी कारवाही सम्बन्धी विवरण: समीक्षा अवधिमा संस्थाले कसै विरुद्ध मुद्दा दायर गरेको छैन र संस्था विरुद्ध पनि कसैले मुद्दा दायर गरेको जानकारी प्राप्त गरेको छैन ।

४. संगठित संस्थाको शेयर कारोबार सम्बन्धी विश्लेषण :

क. धितोपत्र बजारमा भएको संगठित संस्थाको शेयरको कारोबार सम्बन्धमा व्यवस्थापनको धारणा : दोस्रो बजारमा हुने शेयर कारोबारको मूल्य खुल्ला बजारले निर्धारण भए अनुरूप हुने व्यवस्थापनको धारणा रहेकोछ ।

ख. यस त्रैमासिक अवधिको शेयरको अधिकत्तम, न्यूनतम, अन्तिम मूल्य, कारोबार भई कुल दिन तथा कारोबार संख्या:

अधिकत्तम मूल्य न्यूनतम मूल्य अन्तिम मूल्य कारोबार संख्या कारोबार दिन

७६७.९० ७००.२० ७३९.५० १४९६ ६४

५. समस्या तथा चुनौती :

क. लघुवित्त क्षेत्रमा कर्जाको दोहोरोपना तथा कर्जाको दुरुपयोग गर्ने प्रवृत्तिमा वृद्धि हुनु,

ख. लघुवित्त विरोधी समूहहरूबाट यस अवधिमा असुली कार्यमा बाधा विरोध विगतमा जसै रहेको,

ग. कर्जा लिएका ऋणीहरू समक्षमा नआउने भाग्ने, लुक्ने र सम्पर्कमा आफूहरूले धनयाउने प्रवृत्ति रहेको

घ. कतिपय सदस्य अत्याधिक ऋण भयका कारण आर्थिक तनावमा रहेको,

ङ. अप्रत्यासित नीतिगत परिवर्तनले समेत समस्या तथा चुनौती थपिएको,

च. दक्ष जनशक्तिको अभाव तथा कर्मचारीहरु पलायन हुने समस्या देखा परेको,

छ. सूचना तथा प्रविधिको प्रयोगलाई समय सापेक्ष सुधार भईरहने परिवर्तनलाई आत्मसात गर्न नसकेको ।

६. संस्थागत सुशासन :

संस्थागत सुशासनका लागि कम्पनीको सञ्चालक समिति, लेखापरीक्षण समिति, जोखिम व्यवस्थापन समिति, कर्मचारी सेवा सुविधा समिति, सम्पत्ति सुदृढीकरण अनुगमन समिति, सम्पत्ति दायित्व (व्यवस्थापन समिति) समिति, कर्मचारी पदपूर्ति समिति, कर्जा असुली विभाग, Recovery Task Force लगायत विभिन्न आन्तरिक समिति तथा उप-समितिहरू मार्फत व्यावसायिक योजना तथा कार्यक्रमको तर्जमा गर्नुका साथै उत्कृष्ट ढंगले कार्यालय सञ्चालन गर्ने शाखा कार्यालयहरूलाई पुरस्कृत गरी सोही बमोजिम कार्य सम्पादन गर्ने/गराउने गरिएको छ। साथै, सम्पादन गरिएका कार्यहरूको मूल्याङ्कन गर्ने र सोको समीक्षाको आधारमा उपयुक्त रणनीति अवलम्बन गर्ने कार्यलाई निरन्तरता दिइएको छ । नेपाल राष्ट्र बैंकबाट लघुवित्त संस्थालाई जारी गरिएको निर्देशनहरु को साथै बैंक तथा वित्तीय संस्था सम्बधी ऐन, २०७३, कम्पनी ऐन, २०६३, नेपाल राष्ट्र बैंक ऐन, २०५८, धितोपत्र ऐन, २०६३ लगायत अन्य सम्बन्धित ऐन र कानुनको पालना गरिएको र आवश्यकता अनुसार संस्थाको कार्यक्रमलाई सबल र सक्षम बनाउन आवश्यक नीति नियमहरू बनाई लागू गरिएको छ ।

७. सत्य तथ्यता सम्बन्धमा का.मु. कार्यकारी प्रमुखको उद्घोषण :

यस प्रतिवेदनमा उल्लेखित जानकारी तथा विवरणहरूको शुद्धताको सम्बन्धमा म व्यक्तिगत रुपमा उत्तरदायित्व लिन्छु । साथै म यो उद्घोष गर्दछु कि मैले जानेसम्म यस प्रतिवेदनमा उल्लेखित विवरणहरू सही, तथ्य र पूर्ण हुनुका साथै लगानीकर्ताहरूलाई सुसूचित गराई निर्णय लिन आवश्यक कुनै विवरण, सूचना तथा जानकारीहरू लुकाइएको छैन ।

NADEP Laghubitta Bittiya Sanstha Limited

Unaudited Interim Financial Statement

Condensed Statement of Financial Position

As on 32nd Ashadh, 2083

Figures in NPR

Assets This Quarter Ending Immediate Previous Year Ending

ASSETS

Cash and Cash Equivalents268,576,890213,646,957
Statutory Balances and Due from Nepal Rastra Bank29,929,03035,930,530
Placement with Bank and Financial Institutions--
Derivative Financial Instruments--
Other Trading Assets--
Loans and Advance to MFIs and Cooperatives--
Loans and Advances to Customers6,026,915,3325,830,978,058
Investment Securities1,156,6381,156,638
Current Tax Assets87,342,36376,294,665
Investment Properties--
Property and Equipments26,151,08722,280,628
Goodwill and Intangible Assets330,184606,025
Deferred Tax Assets103,819,08688,374,201
Other Assets787,585,310199,005,749
Total Assets7,331,805,9206,468,273,451

LIABILITIES

Due to Bank and Financial Institutions--
Due to Nepal Rastra Bank--
Derivative Financial Instruments--
Deposits From Customers2,427,734,2921,918,686,763
Borrowings3,007,674,7133,035,284,704
Current Tax Liabilities61,456,757-
Provisions--
Deferred Tax Liabilities--
Other Liabilities900,890,427707,571,040
Debt Securities Issued--
Subordinated Liabilities--
Total liabilities6,397,756,1905,661,542,507

EQUITY

Share Capital485,760,000485,760,000
Share Premium--
Retained Earnings16,126,587(38,094,173)
Reserves432,163,143359,065,118
Total equity934,049,730806,730,945
Total Liabilities and Equity7,331,805,9206,468,273,451
Statement of Distributable Profit
Figures in NPR
Net profit for the period ended 32nd Ashadh,2083143,399,101

1.1Profit required to be appropraited to: 36,331,840

a. General Reserve 28,679,820

b. Capital Redemption Reserve -

c. Exchange Fluctuation Reserve -

d. Corporate Social Responsibility fund 1,433,991

e. Employee Training fund 4,784,038

f. Client Protection Fund 1,433,991

g. Other -

1.2 Profit required to be transferred to Regulatory Reserve: -

a. Transferred to Regulatory Reserve -

b. Transferred from Regulatory Reserve -

Net profit for the period ended 32nd Ashadh, 2083 available for distribution 107,067,260

Opening Retained Earning as on 1st Shrawan2082(90,940,673)
Total Distributable profit or (loss) as on 32nd Ashadh,208316,126,587

Total Distributable Profit/(Loss) per share 3.32

Notes:

1. Above financial statements are prepared in accordance with Nepal Financial Reporting Standards (NFRS) and certain Carve-outs issued by the Institute of Chartered Accountants of Nepal (ICAN).

2. These figures may vary at the instances of statutory auditors and regulators.

3. The detailed interim financial report has been published in the website.

4. Loans and Advances are presented net of impairment charges and includes staff loans.

5. Actuarial Valuation will be done for Employee Benefits.

6. Personnel Expenses also include employee's bonus provision.

7. Previous period figures are regrouped/rearranged/restated wherever necessary for consistent presentation and comparison.

Condensed Statement of Profit or Loss

For the 4th Quarter ended 32nd Ashadh, 2083

Figures in NPR

Particulars Current Year This Quarter Current Year Upto This Quarter (YTD) Previous Year Corresponding This Quarter Previous Year Corresponding Upto This Quarter (YTD)
Interest income249,935,487838,681,741231,358,380821,291,338
Interest expense87,505,038351,537,679100,197,810420,194,615
Net interest income162,430,449487,144,062131,160,570401,096,723
Fees and commission income61,823,45464,120,64416,012,60147,774,799
Fees and commission expense----
Net fee and commission income61,823,45464,120,64416,012,60147,774,799
Net interest and commission income224,253,903551,264,706147,173,171448,871,522
Net trading income----
Other operating income----
Total operating income224,253,903551,264,706147,173,171448,871,522
Impairment charge/(reversal) for loans and other losses(34,909,684)(1,978,815)(10,838,225)22,192,453
Net operating income259,163,587553,243,521158,011,396426,679,069
Operating expense106,730,392348,387,66392,654,677350,346,518
Personnel expenses79,820,135262,138,87662,695,191261,845,007
Other operating expenses26,218,76483,774,94629,287,66286,004,425
Depreciation and Amortisation691,4932,473,841671,8242,497,086
Operating Profit152,433,195204,855,85865,356,71976,332,551
Non operating income--388,804420,514
Non operating expense----
Profit before income tax152,433,195204,855,85865,745,52376,753,065
Income tax expense33,554,19361,456,75719,723,65723,025,920
Current Tax33,554,19361,456,75719,723,65723,025,920
Deferred Tax expense/(income)----
Profit for the period118,879,002143,399,10146,021,86653,727,145
Condensed Statement of Comprehensive Income
Figures in NPR
Particulars Current Year This Quarter Current Year Upto This Quarter Previous Year Corresponding This Quarter Previous Year Corresponding Upto This Quarter
Profit for the Period-143,399,101-53,727,145
Other Comprehensive Income----
Total Comprehensive Income----
Basic Earning per share (Annualized)-29.52-11.06
Diluted Earning per share (Annualized)-29.52-11.06
Ratios as per NRB Directive
Particulars Current Year This Quarter Current Year Upto This Quarter Previous Year Corresponding This Quarter Previous Year Corresponding Upto This Quarter
Capital Fund to RWA--
Non Performing Loan (NPL) to Total Loan--
Total Loan Loss Provision to total NPL--
Cost of Funds--
CD Ratio (Calculated as per NRB Directives)--
Base Rate--
Interest Rate Spread--

Interest Rate

Against Member Saving – 7% to 8%

Against Loan & Advance- 14% to 15%

Details pursuant to Schedule 14 related to Rule 26 Sub-rule (1) of the Securities Registration and Issue Regulations, 2073

Fourth Quarter Report of Nadep Laghubitta Bittiya Sanstha Limited for FY 2082/083

1. Major Financial Indicators:

a. Quarterly Balance Sheet, Profit and Loss Account Details:

The Balance Sheet and Profit and Loss Account of this financial institution are published herewith and are also uploaded on Nadep Laghubitta's official website www.nadeplaghubitta.com.

b. Minimum Key Financial Ratios: Earnings Per Share, P/E Ratio, Net Worth Per Share, Total Assets Per Share, Liquidity Ratio Details:

Based on the balance sheet, the company's major financial ratios are as follows:

Earnings Per Share (Annualized) Rs. Market Price Per Share Rs. Price Earnings Ratio Rs. Net Worth Per Share Rs. Total Assets Per Share Rs. Liquidity Ratio

29.52 739.50 25.05 192.29 1,509.35 3.16

2. Management Analysis:

a. Details regarding major reasons for any changes in the institution's balance, income, and liquidity during the quarterly period:

In the fourth quarter of FY 2082/083, the institution's net profit increased by 167 percent compared to the same period of the previous FY, reaching Rs 14 34 crore. During this period, net loan investment of the institution increased by about 3.36 percent compared to the previous FY, reaching Rs 602 crore. Besides this, the overall financial condition, balance, and liquidity position of the institution remain satisfactory according to the management.

Due to the economic slowdown in the overall economy, despite sufficient liquidity in the banking sector and lower loan demand and sluggish business, businessmen's morale could not rise and loan demand remained low, due to which expected growth in the institution's loan investment could not be achieved. The financial institution is making efforts to progress according to its business plans and targets and improve further in the coming days.

b. Management's analytical statement regarding future business plans:

The progress made in achieving financial targets till the end of this quarter of the current FY is as follows:

ParticularsCurrent FY 2082/083 End of ChaitraCurrent FY 2082/083 End of Ashadh
Total Member Count76,96276,657
Outstanding Borrowings (in Rs. '000)6,369,055.616,591,199.04
Total Savings (in Rs. '000)2,395,084.242,527,334.29

c. Since various problems observed in the microfinance and cooperative sectors still persist, this financial institution has adopted a policy to achieve its targets by making loan recovery effective in the coming days, maintaining loan quality, and conducting various training, seminar, and interaction programs for risk management and capacity building.

d. Analytical details of events/conditions that could materially affect the institution's balance, profit, or cash flows based on past experience: In the context where various problems of cooperatives and microfinance still exist, the strategy is adopted to consolidate business rather than expand business, provide quality services at competitive rates per current financial market standards, carefully analyze risks while establishing business relationships, and make loan recovery effective. To strengthen the institution's capital adequacy ratio, a policy has been taken to accelerate business expansion along with improvement in the economy.

3. Legal Proceedings Details: During the review period, the institution has not filed any lawsuit against anyone, and no information has been received regarding any lawsuit filed against the institution.

4. Analysis of Share Transactions of Organized Institution:

a. Management's view regarding share transactions of the institution in the stock market: Management holds the view that the price of share transactions in the secondary market is determined by the open market.

b. Maximum, minimum, closing price, total trading days, and number of transactions of shares during this quarterly period:

Maximum Price Minimum Price Closing Price Total Transactions Total Trading Days

767.90 700.20 739.50 1496 64

5. Problems and Challenges:

a. Increase in loan duplication and loan misuse tendencies in the microfinance sector,

b. Obstruction and opposition in recovery work from anti-microfinance groups during this period as in the past,

c. Tendency of borrowers who took loans to not come forward, run away, hide, and avoid contact,

d. Some members being in financial stress due to excessive debt,

e. Problems and challenges added by unexpected policy changes,

f. Shortage of skilled human resources and problem of employee turnover observed,

g. Inability to adapt to time-relative improvements and changes in the use of information technology.

6. Corporate Governance:

For corporate governance, through various internal committees and sub-committees such as the Company's Board of Directors, Audit Committee, Risk Management Committee, Employee Service and Facility Committee, Asset Strengthening Monitoring Committee, Asset Liability Management Committee, Employee Recruitment Committee, Loan Recovery Department, Recovery Task Force, etc., business plans and programs are formulated and branch offices operating excellently are rewarded and work is executed accordingly. Also, evaluation of executed works and adoption of appropriate strategies based on review are continued. Directives issued by Nepal Rastra Bank to microfinance institutions as well as the Banks and Financial Institutions Act, 2073, Companies Act, 2063, Nepal Rastra Bank Act, 2058, Securities Act, 2063 and other relevant acts and laws are complied with, and necessary policies and rules are formulated and implemented to make the institution's programs strong and competent as required.

7. Declaration by the Acting Chief Executive Officer Regarding Accuracy:

I personally take responsibility for the accuracy of the information and details mentioned in this report. I also declare that to the best of my knowledge, the details mentioned in this report are correct, factual, and complete, and no details, notices, or information necessary for investors to make informed decisions have been concealed.

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