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आधिकारिक सूचनाOfficial AnnouncementFinancial Analysis
13 Aug, 2026
सिन्धु विकास बैंकको चौथो त्रैमासिक वित्तीय विवरण

सिन्धु विकास बैंकको चौथो त्रैमासिक वित्तीय विवरणSindhu Bikash Bank Fourth Quarter Financial Results

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

Unaudited Financial Results (Quarterly)

Condensed Statement of Financial Position

As on Quarter ended 32nd Asar 2083 (16th July 2026)

Amount in NPR

Particulars This Quarter Ending Immediate Previous Year Ending
Assets
Cash and Cash Equivalent737,089,179779,538,102
Due from Nepal Rastra Bank328,946,330240,358,325
Placement with Bank and Financial Institutions--
Derivative Financial Instruments--
Other Trading Assets--
Loans and Advances to BFIs190,561,924169,998,760
Loans and Advances to Customers3,325,256,1553,208,772,870
Investment Securities1,024,844,3611,527,597,541
Current Tax Assets61,022,36739,935,557
Investment in Subsidiaries--
Investment in Associates--
Investment Property112,870,65553,034,175
Property and Equipment254,233,124264,779,550
Goodwill and Intangible Assets1,718,367616,559
Deferred Tax Assets45,464,86244,638,908
Other Assets53,061,41684,051,323
Total Assets6,135,068,7416,413,321,670
Liabilities
Due to Bank and Financial Institutions--
Due to Nepal Rastra Bank--
Derivative Financial Instruments--
Deposits from Customers5,414,182,6285,680,896,178

Borrowings - 1,671,120

Particulars Current Year This Quarter Current Year Upto This Quarter (YTD) Previous YearCorresponding This Quarter Previous YearCorresponding Upto This Quarter (YTD)
Current Tax Liabilities-0.07
Provisions--
Deferred Tax Liabilities--
Other Liabilities180,854,640188,711,818
Debt Securities Issued--
Subordinated Liabilities--
Total Liabilities5,595,037,2695,871,279,116
Equity
Share Capital557,456,067557,456,067
Share Premium--
Retained Earnings(236,683,671)(203,693,789)
Reserves219,259,076188,280,276
Total Equity Attributable to Equity Holders540,031,473542,042,554
Non Controlling Interest--
Total Equity540,031,473542,042,554
Total Liabilities and Equity6,135,068,7416,413,321,670
Ratios as per NRB Directives
Amount in NPR
Capital Fund to RWA--

Tier 1 Capital to RWA - 10.27% - 11.71%

Non-performing Loan (NPL) to Total Loan--
Total Loan Loss Provision to Total NPL--
Net Non-Performing Loan to Total Loan (Net NPL)--
Credit to Deposit Ratio--
Return on Equity (Annualised)--
Return on Asset (Annualised)--
Cost of Funds 3.89%--
Base Rate (Quarterly Average) 7.25%--
Interest Rate Spread 4.59%--

Notes to NFRS Compliant Financials as per NRB circular:

1. The above financials have been prepared in accordance with Nepal Financial Reporting Standards (NFRS) and in the format prescribed by NRB.

2. Previous period figure have been regrouped / rearranged / restated wherever necessary.

3. Loan and Advances include interest receivables and are presented net of impairment charges.

4. In Compliance with NRB's ECL Guideliness, the bank has de-recognised interest income on loans & Advances classified under stage-3

5. The Bank, following regulatory backdrop as mentioned in Clause 16 of "NFRS 9- Expected Credit Loss Related Guidelines, 2024" has recognized impairment on credit exposures as the HIGHER of total ECL calculated as per NFRS 9 and existing regulatory provisions as mentioned in Unified NRB Directives no 02. Financial Statements with Full Compliance to ECL Guideliness shall be reported separately to NRB by the Bank.

6. Above figures are subject to change upon otherwise instructions of Statutory Auditor and/or Regulatory Authorities .

7. Detail interim financial report has been published in the bank's websites: www.sindhubank.com.np

Statement of Distributable Profit or Loss

For the Quarter ended 32nd Asar 2083 (16th July 2026)

(As per NRB Regulation)

Amount in NPR

Particulars Current Year Upto This Quarter YTD Previous Year Corresponding Quarter YTD
Net profit or (loss) as per statement of profit or loss1,001,545177,027,193
Appropriations:
a. General reserve200,30935,405,439
b. Foreign exchange fluctuation fund--
c. Capital redemption reserve--
d. Corporate social responsibility fund10,0151,770,272
e. Employees' training fund(248,457)1,026,444
f. Other--
Profit or (loss) before regulatory adjustment1,039,678138,825,038
Regulatory adjustment :
a. Interest receivable (-)/previous accrued interest received (+)(2,321,718)12,508,570
b. Short loan loss provision in accounts (-)/reversal (+)--
c. Short provision for possible losses on investment (-)/reversal (+)--
d. Short loan loss provision on Non Banking Assets (-)/reserval (+)(29,780,616)41,386,159
e. Deferred tax assets recognised (-)/ reversal (+)-(36,220,276)
f. Goodwill recognised (-)/ impairment of Goodwill (+)--
g. Bargain purchase gain recognised (-)/reversal (+)--
h. Actuarial loss recognised (-)/reversal (+)--
i. Other--

- Fair Value Reserves (1,927,227) 16,412,448

Net Profit for the Quarter ended on Asar 2083(32,989,882)172,911,939
Opening Retained Earning as on Shrawan 1 2082(203,693,789)(371,784,191)
Adjustment (+/-)0.07(4,821,536)
Distribution:
Bonus shares issued--
Cash Dividend paid--
Total Distributable profit or (loss) as on Quater end Asar 2083(236,683,671)(203,693,789)
Annualised Distributable Profit/Loss per share--

Condensed Statement of Profit or Loss

For the Quarter ended 32nd Asar 2083 (16th July 2026)

Amount 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 Income98,253,346391,633,359120,502,926453,558,116
Interest Expense55,407,787248,068,52877,491,088315,168,048
Net Interest Income42,845,559143,564,83143,011,839138,390,068
Fee and Commission Income5,135,77819,076,5604,613,34514,700,594
Fee and Commission Expense1,275,5541,328,6571,334,6121,519,900
Net Fee and Commission Income3,860,22417,747,9023,278,73413,180,694
Net Interest, Fee and Commisson Income46,705,783161,312,73446,290,572151,570,762
Net Trading Income----
Other Operating Income96,6072,677,5121,286,0792,579,029
Total Operating Income46,802,390163,990,24647,576,651154,149,791
Impairment Charge/ (Reversal) for Loans and Other Losses(47,006,686)(38,175,386)(43,765,292)(171,530,562)
Net Operating Income93,809,076202,165,63291,341,943325,680,354
Operating Expense50,480,155175,685,97961,562,858183,680,354
Personnel Expenses27,464,59997,948,49137,059,923107,367,500
Other Operating Expenses19,386,34563,140,2226,322,44848,628,759
Depreciation & Amortisation3,629,21114,597,26618,180,48627,836,629
Operating Profit43,328,92126,479,65329,779,086141,947,466
Non Operating Income-50,80072,03076,555
Non Operating Expense9,253,68925,528,907--
Profit Before Income Tax34,075,2321,001,54529,851,116141,924,021
Income Tax Expense----
Current Tax--(33,621,872)-
Previous Year Tax--1,117,1051,117,105
Deferred Tax--(36,220,276)(36,220,276)
Profit/(Loss) for the Period34,075,2321,001,54598,576,159177,027,193
Profit attributable to:
Equity holders of the Bank34,075,2321,001,54598,576,159177,027,193
Non-controlling interest----
Profit for the Period34,075,2321,001,54598,576,159177,027,193
Earning Per Share
Basic Earning per Share (Annualised)-0.18-31.76
Diluted Earning per Share (Annualised)-0.18-31.76
Profit/(loss) for the period34,075,2321,001,54598,576,159177,027,193
Other Comprehensive Income Net of Income Tax(2,627,108)(1,927,227)5,205,28116,004,620
Total Comprehensive Income for the Period31,448,124(925,681)103,781,440193,031,813
Total Comprehensive Income attributable to:
Equity-Holders of the Bank31,448,124(925,681)103,781,440193,031,813
Non-controlling Interest----
Total Comprehensive Income for the Period31,448,124(925,681)103,781,440193,031,813

धितोपत्र दर्ता तथा निष्कासन नियमावली

(२०७३ को अनुसूची १४ नियम २६ को उप नियम (१) संग सम्बन्धित) आ.व. २०८२/८३ को चौथो त्रैमासिक प्रतिवेदन

१) वित्तीय विवरण

क) त्रैमासिक अवधिको वासलात, नाफा नोक्सान सम्बन्धी विवरण यसै साथ प्रकाशित गरिएको छ।

ख) प्रमुख वित्तीय अनुपात सम्बन्धी विवरण:

समीक्षा अवधिको अन्त्यसम्ममा यस विकास बैंकको वित्तीय अनुपातहरु तपसील बमोजिम रहेका छन् ।

प्रति शेयर आम्दानी (वार्षिक) मूल्य आम्दानी अनुपात प्रति शेयर नेटवर्थ प्रतिशेयर कुल सम्पत्तिको मूल्य तरलता अनुपात

०.१८ ३,७२९.९९ ९६.८७ १,१००.५५ ३७.२४%

२) व्यवस्थापकीय विश्लेषण

क) विषम परिस्थिति ऊर्जा कारणले निक्षेप वृद्धिको अनुपातमा कर्जा लगानी वृद्धि नभएकोले व्याज खर्च बढ्न गई बैंकको खुद व्याज आम्दानी र कूल संचालन आम्दानी गत आ.व.को भन्दा अपेक्षित रुपमा वृद्धि भएको छैन । तथापि अन्य परिसूचकहरु सन्तोषप्रद रहेका छन् । साथै, गत आ.व. भन्दा निष्कृय कर्जाको अनुपातमा सुधार देखिएको छ। हालको विषम परिस्थितिको कारणले कारोवारको मागमा संकुचन आएको र निष्कृय कर्जा असुलीमा असर परेको देखिन्छ ।

३) कानुनी कारवाही सम्बन्धी विवरण

क) विकास बैंकको सामान्य व्यवसायिक कारोबारको सिलसिलामा कर्जा असुलीसंग सम्बन्धित मुद्दा बाहेक समीक्षा अवधिमा विकास बैंकलाई कानुनी कारवाही सम्बन्धी कुनै मुद्दा दायर भएको जानकारी प्राप्त भएको छैन ।

ख) यस विकास बैंकका संस्थापक वा सञ्चालकको विरुद्धमा प्रचलित नियमको अवज्ञा वा फौजदारी अपराध गरेको सम्बन्धमा कुनै मुद्दा दायर भएको जानकारी प्राप्त नभएको ।

ग) यस समीक्षा अवधिमा कुनै सञ्चालक वा संस्थापक विरुद्ध आपराधिक अपराध गरेको सम्बन्धमा कुनै मुद्दा दायर भएको जानकारी प्राप्त नभएको ।

४) संस्थाको शेयर कारोबार सम्बन्धी विवरण

धितोपत्र बजारमा शेयरको खरीद बिक्री कार्य स्वतन्त्र रुपले हुने गर्दछ । बैंक व्यवस्थापनको तर्फबाट नियमनकारी निकायको निर्देशन बमोजिम शेयर मूल्यमा असर पार्ने सूचनाहरू तत्कालै पेश गरिने गरिएको छ। यस विकास बैंकको आ.व. २०८२/८३ को चौथो त्रैमासिक अवधिको शेयर कारोबारको विवरण यस प्रकार रहेको छ। (स्रोत: www.nepalstock.com)

अधिकतम मूल्य न्यूनतम मूल्य अन्तिम मूल्य कारोबार संख्या कारोबार दिन

६३४ ६१० ६३७ ८८२६ ६४

५) समस्या र चुनौतीहरु

१) हाल देशमा घट्दो जेन्जी आन्दोलनको प्रभावले प्रभाव पार्दा आर्थिक र राजनैतिक क्षेत्रमा देखिएको अन्योलताले निम्त्याएको चुनौतिहरु।

२) देशको अर्थतन्त्रमा देखिएको शिथिलताको कारणले कर्जाको मागमा कमी आएको कारणले समग्र बैंकिङ्ग व्यवसायमा परेका असरहरु ।

३) ठूला बैंक तथा वित्तीय संस्थाको न्यून लागत कर्जाका कारण कर्जा प्रवाहमा अर्को प्रतिस्पर्धात्मक असर परेको।

४) उत्पादनशील क्षेत्र (Productive Sector) तथा प्राथमिकता प्राप्त क्षेत्र (Priority Sector) मा ठोस रुपमा हुन नसकेको लगानी वृद्धिमा कारण देशको अर्थतन्त्रमा पर्न सक्ने दूरगामी असरहरुले निम्त्याउने चुनौतिहरु।

५) दक्ष तथा प्रतिस्पर्धी कर्मचारीहरुको अभावबाट हुनक्ने सञ्चालन लगायतका जोखिमहरु।

६) सञ्चालन तथा जोखिम न्यूनिकरणका लागि लागत खर्चमा भएको वृद्धि, बैंकिङ्ग क्षेत्रको वढ्दो प्रतिस्पर्धा आन्तरिक कारण मानिस दर खर्चमा गर्न गई मुनाफामा हुन सक्ने असर ।

६) संस्थागत सुशासन

संस्थागत सुशासन सम्बन्धी नेपाल राष्ट्र बैंक लगायत सम्बन्धित नियमनकारी निकायबाट प्राप्त मार्गदर्शनहरु यस बैंकले उच्च प्राथमिकताका साथ पालना गर्दै आएको छ। बैंकको सुशासन अभिवृद्धि एवं गर्न कार्यदक्ष पारदर्शिता एवं नियम संगत रुपमा सम्पादन गर्नका लागि संचालक समिति, लेखापरीक्षण समिति, जोखिम व्यवस्थापन समिति, सम्पत्ति क्रियाशील रहेका छन् । बैंकको कारोबारलाई व्यवस्थित गर्न आवश्यक आन्तरिक नीति तथा निर्देशिका तयार गरी लागू गरिएको छ। विगतमा रहेका नीतिनियम, विनियमावली, प्रोडक्ट पेपरहरुलाई अद्यावधिक गरी लागू गर्ने कार्य गरिएको छ।

७) सत्य, तथ्य सम्बन्धमा प्रमुख कार्यकारी अधिकृतको उद्घोष

यस प्रतिवेदनमा उल्लेखित जानकारी तथा विवरणहरुको शुद्धता सम्बन्धमा म व्यक्तिगत रुपमा उत्तरदायित्व लिन्छु कि मैले जाने सम्म यस प्रतिवेदनमा उल्लेखित विवरणहरु सत्य, तथ्य र पूर्ण छन्, लागूपदार्थहरुले सुसूचित गरी निष्कर्ष निकालिएको आवश्यक कुनै विवरण, सूचना तथा जानकारीहरु लुकाइएको छैन ।

Unaudited Financial Results (Quarterly)

Condensed Statement of Financial Position

As on Quarter ended 32nd Asar 2083 (16th July 2026)

Amount in NPR

Particulars This Quarter Ending Immediate Previous Year Ending
Assets
Cash and Cash Equivalent737,089,179779,538,102
Due from Nepal Rastra Bank328,946,330240,358,325
Placement with Bank and Financial Institutions--
Derivative Financial Instruments--
Other Trading Assets--
Loans and Advances to BFIs190,561,924169,998,760
Loans and Advances to Customers3,325,256,1553,208,772,870
Investment Securities1,024,844,3611,527,597,541
Current Tax Assets61,022,36739,935,557
Investment in Subsidiaries--
Investment in Associates--
Investment Property112,870,65553,034,175
Property and Equipment254,233,124264,779,550
Goodwill and Intangible Assets1,718,367616,559
Deferred Tax Assets45,464,86244,638,908
Other Assets53,061,41684,051,323
Total Assets6,135,068,7416,413,321,670
Liabilities
Due to Bank and Financial Institutions--
Due to Nepal Rastra Bank--
Derivative Financial Instruments--
Deposits from Customers5,414,182,6285,680,896,178

Borrowings - 1,671,120

Particulars Current Year This Quarter Current Year Upto This Quarter (YTD) Previous YearCorresponding This Quarter Previous YearCorresponding Upto This Quarter (YTD)
Current Tax Liabilities-0.07
Provisions--
Deferred Tax Liabilities--
Other Liabilities180,854,640188,711,818
Debt Securities Issued--
Subordinated Liabilities--
Total Liabilities5,595,037,2695,871,279,116
Equity
Share Capital557,456,067557,456,067
Share Premium--
Retained Earnings(236,683,671)(203,693,789)
Reserves219,259,076188,280,276
Total Equity Attributable to Equity Holders540,031,473542,042,554
Non Controlling Interest--
Total Equity540,031,473542,042,554
Total Liabilities and Equity6,135,068,7416,413,321,670
Ratios as per NRB Directives
Amount in NPR
Capital Fund to RWA--

Tier 1 Capital to RWA - 10.27% - 11.71%

Non-performing Loan (NPL) to Total Loan--
Total Loan Loss Provision to Total NPL--
Net Non-Performing Loan to Total Loan (Net NPL)--
Credit to Deposit Ratio--
Return on Equity (Annualised)--
Return on Asset (Annualised)--
Cost of Funds 3.89%--
Base Rate (Quarterly Average) 7.25%--
Interest Rate Spread 4.59%--

Notes to NFRS Compliant Financials as per NRB circular:

1. The above financials have been prepared in accordance with Nepal Financial Reporting Standards (NFRS) and in the format prescribed by NRB.

2. Previous period figure have been regrouped / rearranged / restated wherever necessary.

3. Loan and Advances include interest receivables and are presented net of impairment charges.

4. In Compliance with NRB's ECL Guideliness, the bank has de-recognised interest income on loans & Advances classified under stage-3

5. The Bank, following regulatory backdrop as mentioned in Clause 16 of "NFRS 9- Expected Credit Loss Related Guidelines, 2024" has recognized impairment on credit exposures as the HIGHER of total ECL calculated as per NFRS 9 and existing regulatory provisions as mentioned in Unified NRB Directives no 02. Financial Statements with Full Compliance to ECL Guideliness shall be reported separately to NRB by the Bank.

6. Above figures are subject to change upon otherwise instructions of Statutory Auditor and/or Regulatory Authorities .

7. Detail interim financial report has been published in the bank's websites: www.sindhubank.com.np

Statement of Distributable Profit or Loss

For the Quarter ended 32nd Asar 2083 (16th July 2026)

(As per NRB Regulation)

Amount in NPR

Particulars Current Year Upto This Quarter YTD Previous Year Corresponding Quarter YTD
Net profit or (loss) as per statement of profit or loss1,001,545177,027,193
Appropriations:
a. General reserve200,30935,405,439
b. Foreign exchange fluctuation fund--
c. Capital redemption reserve--
d. Corporate social responsibility fund10,0151,770,272
e. Employees' training fund(248,457)1,026,444
f. Other--
Profit or (loss) before regulatory adjustment1,039,678138,825,038
Regulatory adjustment :
a. Interest receivable (-)/previous accrued interest received (+)(2,321,718)12,508,570
b. Short loan loss provision in accounts (-)/reversal (+)--
c. Short provision for possible losses on investment (-)/reversal (+)--
d. Short loan loss provision on Non Banking Assets (-)/reserval (+)(29,780,616)41,386,159
e. Deferred tax assets recognised (-)/ reversal (+)-(36,220,276)
f. Goodwill recognised (-)/ impairment of Goodwill (+)--
g. Bargain purchase gain recognised (-)/reversal (+)--
h. Actuarial loss recognised (-)/reversal (+)--
i. Other--

- Fair Value Reserves (1,927,227) 16,412,448

Net Profit for the Quarter ended on Asar 2083(32,989,882)172,911,939
Opening Retained Earning as on Shrawan 1 2082(203,693,789)(371,784,191)
Adjustment (+/-)0.07(4,821,536)
Distribution:
Bonus shares issued--
Cash Dividend paid--
Total Distributable profit or (loss) as on Quater end Asar 2083(236,683,671)(203,693,789)
Annualised Distributable Profit/Loss per share--

Condensed Statement of Profit or Loss

For the Quarter ended 32nd Asar 2083 (16th July 2026)

Amount 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 Income98,253,346391,633,359120,502,926453,558,116
Interest Expense55,407,787248,068,52877,491,088315,168,048
Net Interest Income42,845,559143,564,83143,011,839138,390,068
Fee and Commission Income5,135,77819,076,5604,613,34514,700,594
Fee and Commission Expense1,275,5541,328,6571,334,6121,519,900
Net Fee and Commission Income3,860,22417,747,9023,278,73413,180,694
Net Interest, Fee and Commisson Income46,705,783161,312,73446,290,572151,570,762
Net Trading Income----
Other Operating Income96,6072,677,5121,286,0792,579,029
Total Operating Income46,802,390163,990,24647,576,651154,149,791
Impairment Charge/ (Reversal) for Loans and Other Losses(47,006,686)(38,175,386)(43,765,292)(171,530,562)
Net Operating Income93,809,076202,165,63291,341,943325,680,354
Operating Expense50,480,155175,685,97961,562,858183,680,354
Personnel Expenses27,464,59997,948,49137,059,923107,367,500
Other Operating Expenses19,386,34563,140,2226,322,44848,628,759
Depreciation & Amortisation3,629,21114,597,26618,180,48627,836,629
Operating Profit43,328,92126,479,65329,779,086141,947,466
Non Operating Income-50,80072,03076,555
Non Operating Expense9,253,68925,528,907--
Profit Before Income Tax34,075,2321,001,54529,851,116141,924,021
Income Tax Expense----
Current Tax--(33,621,872)-
Previous Year Tax--1,117,1051,117,105
Deferred Tax--(36,220,276)(36,220,276)
Profit/(Loss) for the Period34,075,2321,001,54598,576,159177,027,193
Profit attributable to:
Equity holders of the Bank34,075,2321,001,54598,576,159177,027,193
Non-controlling interest----
Profit for the Period34,075,2321,001,54598,576,159177,027,193
Earning Per Share
Basic Earning per Share (Annualised)-0.18-31.76
Diluted Earning per Share (Annualised)-0.18-31.76
Profit/(loss) for the period34,075,2321,001,54598,576,159177,027,193
Other Comprehensive Income Net of Income Tax(2,627,108)(1,927,227)5,205,28116,004,620
Total Comprehensive Income for the Period31,448,124(925,681)103,781,440193,031,813
Total Comprehensive Income attributable to:
Equity-Holders of the Bank31,448,124(925,681)103,781,440193,031,813
Non-controlling Interest----
Total Comprehensive Income for the Period31,448,124(925,681)103,781,440193,031,813

Securities Registration and Issuance Regulations

(Related to Schedule 14 Rule 26 Sub-rule (1)) Fourth Quarter Report for F.Y. 2082/83

1) Financial Statements

a) The Balance Sheet and Profit and Loss Statement for the quarterly period are published herewith.

b) Details regarding major financial ratios:

As of the end of the review period, the financial ratios of this development bank are as follows:

Earning Per Share (Annualised) Price Earnings Ratio Net Worth Per Share Total Asset Value Per Share Liquidity Ratio

0.18 3,729.99 96.87 1,100.55 37.24%

2) Management Analysis

a) Due to the adverse situation, credit investment did not grow in proportion to deposit growth, leading to higher interest expenses, and consequently, the bank's net interest income and total operating income did not grow as expected compared to the previous fiscal year. However, other indicators remain satisfactory. Additionally, an improvement in the non-performing loan ratio compared to the last fiscal year is observed. The current adverse circumstances have led to a contraction in transaction demand and impacted non-performing loan recovery.

3) Legal Proceedings Details

a) Except for lawsuits related to loan recovery in the ordinary course of business, no information has been received regarding any legal proceedings filed against the development bank during the review period.

b) No lawsuit has been filed against the promoters or directors of this development bank regarding defiance of prevailing rules or criminal offenses.

c) No information has been received regarding any lawsuit filed against any director or promoter for a criminal offense during this review period.

4) Details Regarding Share Transactions of the Company

Trading of shares in the securities market occurs freely. Information affecting share prices is submitted immediately by the bank management as per directives from regulatory authorities. Share transaction details for this development bank during the fourth quarter period of F.Y. 2082/83 are as follows (Source: www.nepalstock.com):

Maximum Price Minimum Price Closing Price Number of Transactions Trading Days

634 610 637 8826 64

5) Problems and Challenges

1) Challenges arising from uncertainties in the economic and political spheres due to the impact of the Gen-Z movement in the country.

2) Impact on overall banking business due to reduced loan demand caused by economic slowdown in the country.

3) Competitive pressure on loan disbursement due to low-cost loans offered by large banks and financial institutions.

4) Challenges that could have long-term impacts on the country's economy due to insufficient investment growth in productive and priority sectors.

5) Operational and other risks that may arise from a shortage of skilled and competitive employees.

6) Increased operational costs for risk mitigation, growing competition in the banking sector, and internal factors causing higher expenditure impacting profitability.

6) Corporate Governance

This bank gives high priority to adhering to guidelines issued by Nepal Rastra Bank and related regulatory authorities regarding corporate governance. Board of Directors, Audit Committee, Risk Management Committee, and Asset-Liability Committee are active in enhancing governance, transparency, and regulatory compliance. Necessary internal policies and directives have been prepared and implemented to regulate bank operations. Past policies, regulations, and product papers have been updated and implemented.

7) Declaration by Chief Executive Officer Regarding Truthfulness and Accuracy

I personally assume responsibility for the accuracy of the information and details mentioned in this report. To the best of my knowledge, the details in this report are true, factual, and complete; no required details, notices, or information have been concealed.

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