स्वाभिमान लघुवित्त वित्तीय संस्थाको चौथो त्रैमासिक वित्तीय विवरणSwabhimaan Laghubitta: 4th Quarter Financial Statement
- वर्ग:Category:
- Financial Analysis
- प्रकाशित मिति:Published:
- Published on August 12, 2026
UNAUDITED INTERIM FINANCIAL STATEMENTS
Condensed Statement of Financial Position
As on 4th Quarter Ended 32nd Ashad 2083
Amount in NPR
| Particulars This Quarter Ending Immediate Previous Year Ending | ||
| Assets | ||
| Cash and Cash Equivalents | 170,614,881 | 192,969,619 |
| Statutory Balances & due from Nepal Rastra Bank | 15,000,000 | 14,200,000 |
| Placement with Bank and Financial Institutions | - | - |
| Derivative Financial Instruments | - | - |
| Other Trading Assets | - | - |
| Loans and Advances to MFIs & Co-operatives | - | - |
| Loans and Advances to Customers | 2,909,741,345 | 2,831,297,957 |
| Investment Securities | - | - |
| Current Tax Assets | - | 1,771,115 |
| Investment Property | - | - |
| Property and Equipment | 29,006,371 | 44,741,143 |
| Goodwill and Intangible Assets | 453,703 | 782,152 |
| Deferred Tax Assets | - | - |
| Other Assets | 125,867,628 | 4,282,472 |
| Total Assets | 3,250,683,929 | 3,090,044,458 |
| Liabilities | ||
| Due to Bank and Financial Institutions | - | - |
| Due to Nepal Rastra Bank | - | - |
| Derivative Financial Instruments | - | - |
| Deposits from Customers | 887,032,100 | 884,396,847 |
| Borrowings | 1,913,850,372 | 1,893,465,919 |
| Current Tax Liabilities | 22,208,292 | - |
| Provisions | - | - |
| Deferred Tax Liabilities | - | 1,207,755 |
| Other Liabilities | 124,535,072 | 59,743,577 |
| Debt Securities Issued | - | - |
| Subordinated Liabilities | - | - |
| Total Liabilities | 2,947,625,836 | 2,838,814,098 |
| Equity | ||
| Share Capital | 153,445,509 | 153,445,509 |
| Share Premium | - | - |
| Retained Earnings | 77,676,978 | 38,797,774 |
| Reserves | 71,935,605 | 58,987,077 |
| Total Equity | 303,058,092 | 251,230,360 |
| Total Liabilities and Equity | 3,250,683,929 | 3,090,044,458 |
| Net Assets Value per share | 197.50 | 163.73 |
Condensed Statement of Profit or Loss
For the 4th quarter ended 32nd Ashad 2083
Particulars Current Year This Quarter Current Year Upto This Quarter(YTD) Previous Year Corresponding This Quarter Previous Year Corresponding Upto This Quarter(YTD)
Interest Income 106,688,898 419,557,346 126,538,022 391,747,535
Condensed Statement of Distributable Profit or Loss
For the 4th quarter ended 32nd Ashad 2083
(As per NRB Regulation)
Particulars Current Year
Opening Retained Earnings Before Allocation(Adjusted) 38,797,774
Net profit or (loss) as per statement of profit or loss 51,819,349
Appropriations:
a. General reserve (10,363,870)
b. Foreign exchange fluctuation fund -
c. Capital redemption reserve -
d. Corporate social responsibility fund (518,193)
e. Employees' training fund -
f. Client Protection Fund (1,036,387)
g. Other -
Profit or (loss) before regulatory adjustment 78,698,672
Regulatory adjustment :
a. Interest receivable (-)/previous accrued interest received (+) (1,021,694)
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 (-)/reversal (+) -
e. Deferred tax assets recognized (-)/ reversal (+) -
f. Goodwill recognized (-)/ impairment of Goodwill (+) -
g. Bargain purchase gain recognized (-)/reversal (+) -
h. Actuarial loss recognized (-)/reversal (+) -
I. Other (+/-) -
Other -
Loan Loss Provision Write back -
Distributable profit or (loss) 77,676,978
Annualized distributable profit/loss per share 50.62
Notes.
1. The above unaudited financial statements have been prepared in accordance with Nepal Financial Reporting Standards (NFRS) and certain carve-outs issued by the Institute of Chartered Accountants of Nepal (ICAN).These figure may vary at the instances of statutory auditors and regulators
2. The Loans and advance includes interest receivable & staff Loan and are presented net of impairment loss.
3. The Bank has calculated preliminary expected credit loss figures with some assumptions which may vary upon full-fledged implementation of expected credit loss models being in line with relevant applicable standards and regulatory directions, which came at lower side as compared to provision calculated as per NRB Prudential Norms and hence The bank has booked the loan loss provision calculated as per prudential norms prescribed by Nepal Rastra Bank as impairment charges.
4. Actuarial Valuation will be done on annual basis for Employee benefit.
5. Personnel Expenses includes staff bonus provision allocated as per rule
6. Previous Period figures are regrouped/rearranged/restated wherever necessary for consistent presentation and comparison.
7. The above figures are subject to change as per the direction of Regulators and/or statutory auditors.
8. The detailed interim financial report has been published in our website https://swabhimaanlaghubitta.com.np.
9. EPS has been Calculated Following NAS 33 "Earning per share" and same has been disclosed in Notes to Account .
धितोपत्र दर्ता तथा निष्काशन नियमावली, २०७३ को नियम २६ को उपनियम (१)सँग सम्बन्धित अनुसूची-१४ बमोजिम
आ.ब. २०८२/०८३ को चौथो त्रैमासिक प्रतिवेदन
१. वित्तीय विवरण :
क) त्रैमासिक अवधिको वासलात, नाफा नोक्सान सम्बन्धी विवरण यसै साथ प्रकाशित गरिएको छ।
ख) प्रमुख वित्तीय अनुपातहरु :
प्रति शेयर आम्दानी मूल्य आम्दानी अनुपात प्रति शेयर नेटवर्थ प्रति शेयर कुल सम्पत्तिको मूल्य तरलता अनुपात
३३.७७ ४३.८३ १९७.५० २११८.४६ ११.०३%
२. व्यवस्थापकीय विश्लेषण:
क) त्रैमासिक अवधिमा संस्थाको मौज्दात, आम्दानी र तरलतामा कुनै परिवर्तन भएको भए सो को प्रमुख कारण सम्बन्धी विवरण: चौथो त्रैमासिक अवधिमा यस वित्तीय संस्थाको मौज्दात र तरलतामा वित्तीय संस्थाले अनुमान गरे अनुसारको स्थिरता कायम रहेको छ ।
| Interest Expense | 44,768,766 | 182,189,371 | 48,755,648 | 195,504,576 |
| Net Interest Income | 61,920,132 | 237,367,974 | 77,782,374 | 196,242,959 |
| Fee and Commission Income | 954,659 | 3,687,837 | 8,475,783 | 30,564,070 |
| Fee and Commission Expense | - | - | - | - |
| Net Fee and Commission Income | 954,659 | 3,687,837 | 8,475,783 | 30,564,070 |
| Net Interest, Fee and Commission Income | 62,874,791 | 241,055,811 | 86,258,157 | 226,807,029 |
| Net Trading Income | - | - | - | - |
| Other Operating Income | 5,790,948 | 42,199,942 | 35,221 | 208,553 |
| Total Operating Income | 68,665,740 | 283,255,752 | 86,293,378 | 227,015,582 |
| Impairment Charge/ (Reversal) for Loans and Other Losses | 20,736,153 | 47,285,081 | 20,794,107 | 28,665,860 |
| Net Operating Income | 47,929,587 | 235,970,671 | 65,499,271 | 198,349,722 |
| Operating Expense | 36,316,491 | 161,943,030 | 43,219,540 | 133,326,625 |
| Personnel Expenses | 25,601,162 | 104,790,218 | 32,688,197 | 100,662,029 |
| Other Operating Expenses | 9,806,499 | 53,768,378 | 5,260,287 | 25,234,787 |
| Depreciation & Amortisation | 908,831 | 3,384,434 | 5,271,057 | 7,429,808 |
| Operating Profit | 11,613,096 | 74,027,641 | 22,279,730 | 65,023,097 |
| Non Operating Income | - | - | - | - |
| Non Operating Expense | - | - | - | - |
| Profit Before Income Tax | 11,613,096 | 74,027,641 | 22,279,730 | 65,023,097 |
| Income Tax Expense | 3,483,929 | 22,208,292 | 8,491,472 | 24,428,268 |
| Current Tax | 3,483,929 | 22,208,292 | 8,491,472 | 23,807,531 |
| Deferred Tax | - | - | - | 620,737 |
| Profit for the Year | 8,129,167 | 51,819,349 | 13,788,258 | 40,594,829 |
| Profit Attributable to: | ||||
| Equity-holders of the Financial Institution | 8,129,167 | 51,819,349 | 13,788,258 | 40,594,829 |
| Non-controlling interest | - | - | - | - |
| Profit for the Year | 8,129,167 | 51,819,349 | 13,788,258 | 40,594,829 |
Condensed Statement of Comprehensive Income
For the 4th quarter ended 32nd Ashad 2080
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) | ||||
| Profit for the Period | 8,129,167 | 51,819,349 | 13,788,258 | 40,594,829 |
| Total Comprehensive Income | 8,129,167 | 51,819,349 | 13,788,258 | 40,594,829 |
| Total Comprehensive Income for the Period | 8,129,167 | 51,819,349 | 13,788,258 | 40,594,829 |
| Earning Per Share | ||||
| Basic Earning per Share | - | 33.77 | - | 26.46 |
| Diluted earnings per share | - | 33.77 | - | 26.46 |
Particulars Current Year Upto This Quarter (YTD) Previous Year Corresponding Upto This Quarter (YTD)
Capital fund to RWA 8.63% 7.44%
Non-performing Loan (NPL) to total loan 10.83% 4.20%
Total loan loss provision to Total NPL 37.50% 28.77%
Cost of Funds 5.97% 6.25%
Credit to Deposit and borrowing Ratio 103.89% 152.32%
Base Rate 10.79% 11.11%
Interest Rate Spread 8.71% 8.75%
Interest Rate
Deposits: 7.5% to 8.94%
Loan & Advance : 13% to 15%
ख) आगामी अवधिको व्यावसायिक योजना सम्बन्धमा व्यवस्थापनको विश्लेषणत्मक विवरण : यस त्रैमासको अन्त्य सम्ममा यस वित्तीय संस्थाले लुम्बिनी प्रदेशका सात वटा जिल्लाहरुमा ३६ शाखा कार्यालय मार्फत ४१,०६८ विपन्न घरपरिवारहरुमा लघुवित्त सेवा प्रदान गरिरहेको छ । यस संस्थाले आगामी दिनमा शाखा कार्यालय संचालन रहेका क्षेत्रहरुमा वित्तीय पहुँच नपुगेका क्षेत्रमा लघुवित्त कार्यक्रम विस्तार गर्ने व्यावसायिक योजना रहेको छ । ग्राहकको परियोजना सुचारु गर्न आवश्यक वित्तीय स्रोत उपलब्ध गराउने, वित्तीय साक्षरता प्रदान गर्दै कर्जा असुली र गुणस्तरलाई प्रभावकारी बनाउने, कर्मचारीको क्षमता अभिवृद्धि गरी उत्पादकत्वमा अभिवृद्धि गर्ने, अनुगमन तथा सुपरिवेक्षण कार्यलाई चुस्त दुरुस्त बनाउदै कार्यक्रमको गुणस्तर वृद्धिमा जोड दिई संस्थाको चालु आर्थिक वर्षको योजना हासिल गर्ने रणनीति अवलम्बन गरिएको छ ।
ग) विगतको अनुभवबाट संगठित संस्थाको मौज्दात, नाफा वा नगद प्रवाहमा तात्विक असर पार्न सक्ने घटना, अवस्था आदि भएमा सो सम्बन्धी विश्लेषणात्मक विवरण : बजारमा लगानी योग्य पूँजीको सहज उपलब्ध भएको र व्याजदर घट्दै गएको छ । शाखा कार्यालयहरुको कर्जाको गुणस्तरमा विशेष ध्यान केन्द्रित गर्दै व्यवस्थापनबाट लघुवित्त क्षेत्रमा देखिएको बाह्य जोखिम, कर्जा जोखिम तथा तरलता जोखिमहरुलाई उच्च प्राथमिकताका साथ विश्लेषण गर्दै वित्तीय कारोबारहरु संचालन गरिएको छ । आगामी दिनमा वित्तीय क्षेत्रमा देखिएको बाह्य समस्यामा क्रमश सुधार भई संस्थाको कर्जा गुणस्तर, आम्दानी र तरलता सन्तोषजनक रहने व्यवस्थापनको अनुमान रहेको छ ।
३. कानूनी कारवाही सम्बन्धी विवरण :
क) यस त्रैमासिक अवधिमा वित्तीय संस्थाले कसैको विरुद्धमा कुनै मुद्दा दायर गरेको छैन र वित्तीय संस्थाको विरुद्धमा मुद्दा दायर भएको कुनै सूचना प्राप्त भएको छैन ।
ख) वित्तीय संस्थाको संस्थापक वा संचालकले वा संस्थापक वा संचालकको विरुद्ध 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 गरेको वा भएको बारे कुनै जानकारी प्राप्त भएको छैन ।
४. संगठित संस्थाको शेयर कारोबार सम्बन्धी विश्लेषण :
क) यस संस्थाको शेयर कारोबार दोस्रो बजारमा सकारात्मक रहेको छ । संस्थाको व्यावसायिक अभिवृद्धि सँगै लगानीकर्ताको यस संस्था प्रतिको अटुट विश्वास बढ्ने क्रममा रहेको देखिन्छ ।
UNAUDITED INTERIM FINANCIAL STATEMENTS
Condensed Statement of Financial Position
As on 4th Quarter Ended 32nd Ashad 2083
Amount in NPR
| Particulars This Quarter Ending Immediate Previous Year Ending | ||
| Assets | ||
| Cash and Cash Equivalents | 170,614,881 | 192,969,619 |
| Statutory Balances & due from Nepal Rastra Bank | 15,000,000 | 14,200,000 |
| Placement with Bank and Financial Institutions | - | - |
| Derivative Financial Instruments | - | - |
| Other Trading Assets | - | - |
| Loans and Advances to MFIs & Co-operatives | - | - |
| Loans and Advances to Customers | 2,909,741,345 | 2,831,297,957 |
| Investment Securities | - | - |
| Current Tax Assets | - | 1,771,115 |
| Investment Property | - | - |
| Property and Equipment | 29,006,371 | 44,741,143 |
| Goodwill and Intangible Assets | 453,703 | 782,152 |
| Deferred Tax Assets | - | - |
| Other Assets | 125,867,628 | 4,282,472 |
| Total Assets | 3,250,683,929 | 3,090,044,458 |
| Liabilities | ||
| Due to Bank and Financial Institutions | - | - |
| Due to Nepal Rastra Bank | - | - |
| Derivative Financial Instruments | - | - |
| Deposits from Customers | 887,032,100 | 884,396,847 |
| Borrowings | 1,913,850,372 | 1,893,465,919 |
| Current Tax Liabilities | 22,208,292 | - |
| Provisions | - | - |
| Deferred Tax Liabilities | - | 1,207,755 |
| Other Liabilities | 124,535,072 | 59,743,577 |
| Debt Securities Issued | - | - |
| Subordinated Liabilities | - | - |
| Total Liabilities | 2,947,625,836 | 2,838,814,098 |
| Equity | ||
| Share Capital | 153,445,509 | 153,445,509 |
| Share Premium | - | - |
| Retained Earnings | 77,676,978 | 38,797,774 |
| Reserves | 71,935,605 | 58,987,077 |
| Total Equity | 303,058,092 | 251,230,360 |
| Total Liabilities and Equity | 3,250,683,929 | 3,090,044,458 |
| Net Assets Value per share | 197.50 | 163.73 |
Condensed Statement of Profit or Loss
For the 4th quarter ended 32nd Ashad 2083
Particulars Current Year This Quarter Current Year Upto This Quarter(YTD) Previous Year Corresponding This Quarter Previous Year Corresponding Upto This Quarter(YTD)
Interest Income 106,688,898 419,557,346 126,538,022 391,747,535
Condensed Statement of Distributable Profit or Loss
For the 4th quarter ended 32nd Ashad 2083
(As per NRB Regulation)
Particulars Current Year
Opening Retained Earnings Before Allocation(Adjusted) 38,797,774
Net profit or (loss) as per statement of profit or loss 51,819,349
Appropriations:
a. General reserve (10,363,870)
b. Foreign exchange fluctuation fund -
c. Capital redemption reserve -
d. Corporate social responsibility fund (518,193)
e. Employees' training fund -
f. Client Protection Fund (1,036,387)
g. Other -
Profit or (loss) before regulatory adjustment 78,698,672
Regulatory adjustment :
a. Interest receivable (-)/previous accrued interest received (+) (1,021,694)
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 (-)/reversal (+) -
e. Deferred tax assets recognized (-)/ reversal (+) -
f. Goodwill recognized (-)/ impairment of Goodwill (+) -
g. Bargain purchase gain recognized (-)/reversal (+) -
h. Actuarial loss recognized (-)/reversal (+) -
I. Other (+/-) -
Other -
Loan Loss Provision Write back -
Distributable profit or (loss) 77,676,978
Annualized distributable profit/loss per share 50.62
Notes.
1. The above unaudited financial statements have been prepared in accordance with Nepal Financial Reporting Standards (NFRS) and certain carve-outs issued by the Institute of Chartered Accountants of Nepal (ICAN).These figure may vary at the instances of statutory auditors and regulators
2. The Loans and advance includes interest receivable & staff Loan and are presented net of impairment loss.
3. The Bank has calculated preliminary expected credit loss figures with some assumptions which may vary upon full-fledged implementation of expected credit loss models being in line with relevant applicable standards and regulatory directions, which came at lower side as compared to provision calculated as per NRB Prudential Norms and hence The bank has booked the loan loss provision calculated as per prudential norms prescribed by Nepal Rastra Bank as impairment charges.
4. Actuarial Valuation will be done on annual basis for Employee benefit.
5. Personnel Expenses includes staff bonus provision allocated as per rule
6. Previous Period figures are regrouped/rearranged/restated wherever necessary for consistent presentation and comparison.
7. The above figures are subject to change as per the direction of Regulators and/or statutory auditors.
8. The detailed interim financial report has been published in our website https://swabhimaanlaghubitta.com.np.
9. EPS has been Calculated Following NAS 33 "Earning per share" and same has been disclosed in Notes to Account .
As per Schedule-14 related to Sub-rule (1) of Rule 26 of Securities Registration and Issue Regulations, 2073
Fourth Quarter Report of F.Y. 2082/083
1. Financial Statements:
a) Balance Sheet and Profit and Loss Statement for the quarterly period have been published herewith.
b) Key Financial Ratios:
Earnings Per Share Price Earnings Ratio Net Worth Per Share Total Assets Value Per Share Liquidity Ratio
33.77 43.83 197.50 2118.46 11.03%
2. Management Analysis:
a) Details regarding major causes if there has been any change in the institution's balance, income, and liquidity during the quarterly period: During the fourth quarter period, stability as estimated by the financial institution has been maintained in its balance and liquidity.
| Interest Expense | 44,768,766 | 182,189,371 | 48,755,648 | 195,504,576 |
| Net Interest Income | 61,920,132 | 237,367,974 | 77,782,374 | 196,242,959 |
| Fee and Commission Income | 954,659 | 3,687,837 | 8,475,783 | 30,564,070 |
| Fee and Commission Expense | - | - | - | - |
| Net Fee and Commission Income | 954,659 | 3,687,837 | 8,475,783 | 30,564,070 |
| Net Interest, Fee and Commission Income | 62,874,791 | 241,055,811 | 86,258,157 | 226,807,029 |
| Net Trading Income | - | - | - | - |
| Other Operating Income | 5,790,948 | 42,199,942 | 35,221 | 208,553 |
| Total Operating Income | 68,665,740 | 283,255,752 | 86,293,378 | 227,015,582 |
| Impairment Charge/ (Reversal) for Loans and Other Losses | 20,736,153 | 47,285,081 | 20,794,107 | 28,665,860 |
| Net Operating Income | 47,929,587 | 235,970,671 | 65,499,271 | 198,349,722 |
| Operating Expense | 36,316,491 | 161,943,030 | 43,219,540 | 133,326,625 |
| Personnel Expenses | 25,601,162 | 104,790,218 | 32,688,197 | 100,662,029 |
| Other Operating Expenses | 9,806,499 | 53,768,378 | 5,260,287 | 25,234,787 |
| Depreciation & Amortisation | 908,831 | 3,384,434 | 5,271,057 | 7,429,808 |
| Operating Profit | 11,613,096 | 74,027,641 | 22,279,730 | 65,023,097 |
| Non Operating Income | - | - | - | - |
| Non Operating Expense | - | - | - | - |
| Profit Before Income Tax | 11,613,096 | 74,027,641 | 22,279,730 | 65,023,097 |
| Income Tax Expense | 3,483,929 | 22,208,292 | 8,491,472 | 24,428,268 |
| Current Tax | 3,483,929 | 22,208,292 | 8,491,472 | 23,807,531 |
| Deferred Tax | - | - | - | 620,737 |
| Profit for the Year | 8,129,167 | 51,819,349 | 13,788,258 | 40,594,829 |
| Profit Attributable to: | ||||
| Equity-holders of the Financial Institution | 8,129,167 | 51,819,349 | 13,788,258 | 40,594,829 |
| Non-controlling interest | - | - | - | - |
| Profit for the Year | 8,129,167 | 51,819,349 | 13,788,258 | 40,594,829 |
Condensed Statement of Comprehensive Income
For the 4th quarter ended 32nd Ashad 2080
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) | ||||
| Profit for the Period | 8,129,167 | 51,819,349 | 13,788,258 | 40,594,829 |
| Total Comprehensive Income | 8,129,167 | 51,819,349 | 13,788,258 | 40,594,829 |
| Total Comprehensive Income for the Period | 8,129,167 | 51,819,349 | 13,788,258 | 40,594,829 |
| Earning Per Share | ||||
| Basic Earning per Share | - | 33.77 | - | 26.46 |
| Diluted earnings per share | - | 33.77 | - | 26.46 |
Particulars Current Year Upto This Quarter (YTD) Previous Year Corresponding Upto This Quarter (YTD)
Capital fund to RWA 8.63% 7.44%
Non-performing Loan (NPL) to total loan 10.83% 4.20%
Total loan loss provision to Total NPL 37.50% 28.77%
Cost of Funds 5.97% 6.25%
Credit to Deposit and borrowing Ratio 103.89% 152.32%
Base Rate 10.79% 11.11%
Interest Rate Spread 8.71% 8.75%
Interest Rate
Deposits: 7.5% to 8.94%
Loan & Advance : 13% to 15%
b) Analytical details regarding the management's business plan for the upcoming period: As of the end of this quarter, this financial institution has been providing microfinance services to 41,068 deprived households through 36 branch offices across seven districts of Lumbini Province. The institution has a business plan to expand microfinance programs in unserved areas within the operating territories of its branch offices. A strategy has been adopted to achieve the current fiscal year's plan by focusing on enhancing program quality—providing necessary financial resources for customer projects, delivering financial literacy, making loan recovery and quality effective, enhancing employee capacity to boost productivity, and making monitoring and supervision operations agile and sound.
c) Analytical details regarding events, conditions, etc. that may materially affect the corporate institution's balance, profit, or cash flow based on past experience: Investable capital is easily available in the market and interest rates are declining. Management has conducted financial operations while prioritizing the analysis of external risks, credit risks, and liquidity risks in the microfinance sector, with a special focus on loan quality across branch offices. Management estimates that external problems in the financial sector will gradually improve, maintaining satisfactory loan quality, revenue, and liquidity.
3. Details Regarding Legal Actions:
a) During 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 by or against the promoter or director of the financial institution concerning violation of prevailing rules or criminal offense.
c) No information has been received regarding any lawsuit filed by or against any promoter or director concerning financial crimes.
4. Analysis Regarding Share Trading of the Corporate Institution:
a) Share trading of this institution in the secondary market remains positive. Along with the institution's business growth, investors' unbroken confidence in this institution appears to be increasing.