आषाढ मसान्त २०८३ सम्मको अपरिस्कृत वित्तीय विवरणUnaudited Financial Results As at 32nd Asadh, 2083
- वर्ग:Category:
- Financial Analysis
- प्रकाशित मिति:Published:
- Published on August 13, 2026
Unaudited Financial Results
As at 32 Asadh, 2083 (16 July, 2026)
Condensed Statement of Financial Position
As at 32nd Asadh, 2083 (16th July, 2026)
Figures in NPR
| Particulars This Quarter Ending Immediate Previous Year Ending | ||
| Assets | ||
| Cash and cash equivalent | 187,348,196 | 1,222,741,214 |
| Due from Nepal Rastra Bank | 281,923,501 | 103,783,601 |
| Placement with Bank and Financial Institutions | - | - |
| Derivative financial instruments | - | - |
| Other trading assets | - | - |
| Loan and Advances to B/FIs | - | - |
| Loans and advances to customers | 1,406,038,555 | 1,205,560,419 |
| Investment securities | 1,100,000,000 | - |
| Current Tax Assets | 15,727,456 | 15,422,025 |
| Investment in subsidiaries | - | - |
| Investment in Associates | - | - |
| Investment property | 154,795,952 | 110,990,333 |
| Property and equipment | 147,949,842 | 143,435,440 |
| Goodwill and Intangible assets | 534,274 | 668,129 |
| Deferred tax assets | 27,237,138 | 27,237,138 |
| Other assets | 14,605,406 | 11,910,705 |
| Total Assets | 3,336,160,319 | 2,841,749,004 |
| Liabilities: | ||
| Due to Bank and Financial Institutions | - | - |
| Due to Nepal Rastra Bank | - | - |
| Derivative Financial instruments | - | - |
| Deposit from customers | 2,548,860,699 | 2,133,767,942 |
| Borrowings | - | - |
| Current Tax Liabilities | 21,473,083 | - |
| Provisions | - | - |
| Deferred Tax liabilities | - | - |
| Other liabilities | 32,219,624 | 23,272,586 |
| Debt securities issued | - | - |
| Subordinated Liabilities | - | - |
| Total Liabilities | 2,602,553,406 | 2,157,040,528 |
| Equity: | ||
| Share Capital | 525,000,000 | 525,000,000 |
| Share premium | 23,921,254 | 23,921,254 |
| Retained earning | (31,418,947) | (48,814,256) |
| Reserves | 216,104,607 | 184,601,478 |
| Total equity attributable to equity holders | 733,606,913 | 684,708,475 |
| Non-controlling interests | - | - |
| Total equity | 733,606,913 | 684,708,475 |
| Total liabilities and equity | 3,336,160,319 | 2,841,749,004 |
Condensed Statement of Profit or Loss
As at 32nd Asadh, 2083 (16th July, 2026)
Figures in NPR
Particular Current Year This Quarter Current Year Up to This Quarter (YTD) Corresponding Previous Year This Quarter Corresponding Previous Year Up to This Quarter (YTD)
| Interest Income | 41,223,512 | 206,681,623 | 11,030,120 | 166,906,552 |
| Interest Expense | 35,237,767 | 132,966,237 | 35,135,854 | 136,071,030 |
| Net interest income | 5,985,745 | 73,715,386 | (24,105,734) | 30,835,522 |
| Fees and Commission Income | 2,289,174 | 6,988,090 | 1,688,526 | 5,362,639 |
| Fees and Commission Expense | - | - | - | - |
| Net fee and Commission income | 2,289,174 | 6,988,090 | 1,688,526 | 5,362,639 |
| Net interest fee and commission income | 8,274,920 | 80,703,476 | (22,417,208) | 36,198,161 |
| Net Trading Income | - | - | - | - |
| Other Operating Income | 146,438 | 352,948 | 529,834 | 866,364 |
| Total operating income | 8,421,357 | 81,056,425 | (21,887,374) | 37,064,525 |
| Impairment charge/(reversal) for loans and other losses | (3,525,979) | (64,879,918) | 44,900,905 | 51,575,880 |
| Net Operating income | 11,947,336 | 145,936,342 | (66,788,279) | (14,511,355) |
| Operating Expenses | ||||
| Personnel Expense | 6,865,187 | 31,432,433 | 3,228,829 | 19,866,276 |
| Other Operating Expenses | 6,010,704 | 16,682,684 | 5,052,946 | 14,029,942 |
| Depreciation and Amortization | 994,982 | 3,677,176 | 1,309,279 | 3,154,805 |
| Operating Profit | (1,923,537) | 94,144,050 | (76,379,332) | (51,562,378) |
| Non operating income | - | - | (585,364) | - |
| Non operating expense | (4,553,310) | 22,567,107 | - | - |
| Profit before income tax | 2,629,773 | 71,576,943 | (76,964,697) | (51,562,378) |
| Income tax expense | 788,932 | 21,473,083 | (21,788,289) | (14,167,593) |
| Current tax | 788,932 | 21,473,083 | (7,620,695) | - |
| Deferred Tax | - | - | (14,167,593) | (14,167,593) |
| Profit for the period | 1,840,841 | 50,103,860 | (55,176,408) | (37,394,785) |
| Profit attributable to: | ||||
| Equity holders of the Bank | 1,840,841 | 50,103,860 | (55,176,408) | (37,394,785) |
| Non-controlling interests | - | - | - | - |
| Profit for the period | 1,840,841 | 50,103,860 | (55,176,408) | (37,394,785) |
Condensed Statement of Other Comprehensive Income
As at 32nd Asadh, 2083 (16th July, 2026)
Particular Current Year This Quarter Current Year Up to This Quarter (YTD) Corresponding Previous Year This Quarter Corresponding Previous Year Up to This Quarter (YTD)
| Profit for the period | 1,840,841 | 50,103,860 | (55,176,408) | (37,394,785) |
| Other Comprehensive Income | - | - | - | - |
| Total Comprehensive Income | 1,840,841 | 50,103,860 | (55,176,408) | (37,394,785) |
| Earning per Share | ||||
| Basic Earning per Share | - | 9.54 | - | (7.12) |
| Diluted Earning per Share | - | 9.54 | - | (7.12) |
Ratios as per NRB Directives
Particular Current Year Up to This Quarter (YTD) Corresponding Previous Year Up to This Quarter (YTD)
Capital fund to RWA 39.73% 34.31%
Non-Performing Loan(NPL) to Total Loan 6.24% 12.43%
Total Loan Loss Provision to Total NPL 103.61% 96.06%
Cost of Fund 5.50% 6.61%
Credit to Deposit Ratio 58.14% 63.15%
Base Rate 7.92% 9.27%
Interest rate Spread 4.57% 4.57%
Details about the distributable Profit (As per NRB Regulation)
Amount NPR
Opening Retained Earning (48,814,256.07)
Add:
Net Profit or (Loss) as per Statement Profit / Loss 50,103,859.95
1. Appropriations
1.1 Profit required to be appropriated to:
a. General Reserve (10,020,771.99)
b. Capital Redemption Reserve -
c. Exchange Fluctuation Fund -
d. CSR Fund (501,038.60)
e. Employee Training Fund (704,383.17)
f. Other -
1.2 Profit required to be transferred to Regulatory Reserve
a. Transferred to Regulatory Reserve (21,802,056.58)
b. Transferred from Regulatory Reserve 319,699.29
Net Profit for the period ended 4th quarter available for distribution (31,418,947.16)
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) संग सम्बन्धित) आ.व. २०८०/८१ को चौथो त्रैमासिक विवरण
१. वित्तीय विवरण :
क) त्रैमासिक अवधिको वासलात, नाफा नोक्सान सम्बन्धी विवरण यसै साथ प्रकाशित गरिएको छ ।
ख) प्रमुख वित्तीय अनुपातहरु :
प्रतिशेयर आम्दानी (वार्षिकीकरण) रु. ९.५४ प्रतिशेयर कुल सम्पत्तिको मूल्य रु. ६०५.९७
मूल्य आम्दानी अनुपात रु. १५७.२९ तरलता अनुपात ६१.५७%
प्रतिशेयर नेटवर्थ रु. १३९.९६
२. व्यवस्थापकीय विश्लेषण :
क) त्रैमासिक अवधिमा संस्थाको मौजदात, आम्दानी र तरलतामा कुनै परिवर्तन भएको भए सोको प्रमुख कारण सम्बन्धी विवरण :
कारोबार वृद्धि, थप निक्षेप लिने, दिने तथा नयाँ कर्जा लगानी, बक्यौता साँवा, व्याज असुली साथै बैंकको मौजदात, आम्दानी र तरलता सन्तोषजनक रुपमा वृद्धि रहेको छ ।
ख) आगामी अवधिको व्यावसायिक योजना सम्बन्धमा व्यवस्थापनको विश्लेषणात्मक विवरण :
बैंकले प्रदेश नं. २ मा पर्सा जिल्लामा ३ वटा शाखा, महोत्तरी जिल्लाको बर्दिबासमा १ शाखा र सर्लाहीको बरहथवामा १ शाखा गरी कुल ५ 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 दिइने ।
ग) विगतको अनुभवबाट, संगठित संस्थाको मौजदात, नाफा वा नगद प्रवाहमा तात्विक 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 गरेको वा भएको कुनै जानकारी प्राप्त भएको छैन ।
४. संगठित संस्थाको शेयर कारोबार सम्बन्धी विश्लेषण :
क) दोस्रो बजारमा हुने शेयर सम्बन्धी कारोबारमा नेपालको राजनीतिक अवस्था, नेपाल राष्ट्र बैंकको नीति तथा अन्य कारणहरूले 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. ३१८३.०० कारोबार दिन ६४
न्यूनतम मूल्य रु. १,४८७.५० कारोबार भएको शेयरको संख्या १५,८२१ कित्ता
अन्तिम मूल्य रु. १५९६.५०
५. समस्या तथा चुनौती :
देशको संक्रमणकालिन आर्थिक तथा राजनैतिक अवस्था तथा सम्भावित आकस्मिक नीतिगत परिवर्तन एवं प्रतिस्पर्धात्मक चुनौती, वित्तीय बजारमा देखिएको तरलता अभावको कारण कारोबार विस्तारमा चुनौती तथा अप्रत्याशित रुपमा आइपर्ने प्राकृतिक दैवी विपत्ती ।
६. संस्थागत सुशासन :
क) नेपाल राष्ट्र बैंकबाट जारी संस्थागत सुशासन लगायतका निर्देशनहरू पालना गर्नुका साथै प्रचलित ऐनहरुः 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 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 उद्घोषण :
आजका मितिसम्ममा यस प्रतिवेदनमा उल्लेखित जानकारी तथा विवरणहरूको शुद्धता सम्बन्धमा म व्यक्तिगत रुपमा उत्तरदायित्व लिन्छु, साथै म उद्घोष गर्दछु की मैले जाने बुझे सम्म यस प्रतिवेदनमा उल्लेखित विवरणहरु सत्य, तथ्य र पूर्ण छन् र लगानीकर्ताहरूलाई सूचित निर्णय लिन आवश्यक कुनै विवरण, सूचना तथा जानकारीहरु लुकाइएको छैन ।
Unaudited Financial Results
As at 32 Asadh, 2083 (16 July, 2026)
Condensed Statement of Financial Position
As at 32nd Asadh, 2083 (16th July, 2026)
Figures in NPR
| Particulars This Quarter Ending Immediate Previous Year Ending | ||
| Assets | ||
| Cash and cash equivalent | 187,348,196 | 1,222,741,214 |
| Due from Nepal Rastra Bank | 281,923,501 | 103,783,601 |
| Placement with Bank and Financial Institutions | - | - |
| Derivative financial instruments | - | - |
| Other trading assets | - | - |
| Loan and Advances to B/FIs | - | - |
| Loans and advances to customers | 1,406,038,555 | 1,205,560,419 |
| Investment securities | 1,100,000,000 | - |
| Current Tax Assets | 15,727,456 | 15,422,025 |
| Investment in subsidiaries | - | - |
| Investment in Associates | - | - |
| Investment property | 154,795,952 | 110,990,333 |
| Property and equipment | 147,949,842 | 143,435,440 |
| Goodwill and Intangible assets | 534,274 | 668,129 |
| Deferred tax assets | 27,237,138 | 27,237,138 |
| Other assets | 14,605,406 | 11,910,705 |
| Total Assets | 3,336,160,319 | 2,841,749,004 |
| Liabilities: | ||
| Due to Bank and Financial Institutions | - | - |
| Due to Nepal Rastra Bank | - | - |
| Derivative Financial instruments | - | - |
| Deposit from customers | 2,548,860,699 | 2,133,767,942 |
| Borrowings | - | - |
| Current Tax Liabilities | 21,473,083 | - |
| Provisions | - | - |
| Deferred Tax liabilities | - | - |
| Other liabilities | 32,219,624 | 23,272,586 |
| Debt securities issued | - | - |
| Subordinated Liabilities | - | - |
| Total Liabilities | 2,602,553,406 | 2,157,040,528 |
| Equity: | ||
| Share Capital | 525,000,000 | 525,000,000 |
| Share premium | 23,921,254 | 23,921,254 |
| Retained earning | (31,418,947) | (48,814,256) |
| Reserves | 216,104,607 | 184,601,478 |
| Total equity attributable to equity holders | 733,606,913 | 684,708,475 |
| Non-controlling interests | - | - |
| Total equity | 733,606,913 | 684,708,475 |
| Total liabilities and equity | 3,336,160,319 | 2,841,749,004 |
Condensed Statement of Profit or Loss
As at 32nd Asadh, 2083 (16th July, 2026)
Figures in NPR
Particular Current Year This Quarter Current Year Up to This Quarter (YTD) Corresponding Previous Year This Quarter Corresponding Previous Year Up to This Quarter (YTD)
| Interest Income | 41,223,512 | 206,681,623 | 11,030,120 | 166,906,552 |
| Interest Expense | 35,237,767 | 132,966,237 | 35,135,854 | 136,071,030 |
| Net interest income | 5,985,745 | 73,715,386 | (24,105,734) | 30,835,522 |
| Fees and Commission Income | 2,289,174 | 6,988,090 | 1,688,526 | 5,362,639 |
| Fees and Commission Expense | - | - | - | - |
| Net fee and Commission income | 2,289,174 | 6,988,090 | 1,688,526 | 5,362,639 |
| Net interest fee and commission income | 8,274,920 | 80,703,476 | (22,417,208) | 36,198,161 |
| Net Trading Income | - | - | - | - |
| Other Operating Income | 146,438 | 352,948 | 529,834 | 866,364 |
| Total operating income | 8,421,357 | 81,056,425 | (21,887,374) | 37,064,525 |
| Impairment charge/(reversal) for loans and other losses | (3,525,979) | (64,879,918) | 44,900,905 | 51,575,880 |
| Net Operating income | 11,947,336 | 145,936,342 | (66,788,279) | (14,511,355) |
| Operating Expenses | ||||
| Personnel Expense | 6,865,187 | 31,432,433 | 3,228,829 | 19,866,276 |
| Other Operating Expenses | 6,010,704 | 16,682,684 | 5,052,946 | 14,029,942 |
| Depreciation and Amortization | 994,982 | 3,677,176 | 1,309,279 | 3,154,805 |
| Operating Profit | (1,923,537) | 94,144,050 | (76,379,332) | (51,562,378) |
| Non operating income | - | - | (585,364) | - |
| Non operating expense | (4,553,310) | 22,567,107 | - | - |
| Profit before income tax | 2,629,773 | 71,576,943 | (76,964,697) | (51,562,378) |
| Income tax expense | 788,932 | 21,473,083 | (21,788,289) | (14,167,593) |
| Current tax | 788,932 | 21,473,083 | (7,620,695) | - |
| Deferred Tax | - | - | (14,167,593) | (14,167,593) |
| Profit for the period | 1,840,841 | 50,103,860 | (55,176,408) | (37,394,785) |
| Profit attributable to: | ||||
| Equity holders of the Bank | 1,840,841 | 50,103,860 | (55,176,408) | (37,394,785) |
| Non-controlling interests | - | - | - | - |
| Profit for the period | 1,840,841 | 50,103,860 | (55,176,408) | (37,394,785) |
Condensed Statement of Other Comprehensive Income
As at 32nd Asadh, 2083 (16th July, 2026)
Particular Current Year This Quarter Current Year Up to This Quarter (YTD) Corresponding Previous Year This Quarter Corresponding Previous Year Up to This Quarter (YTD)
| Profit for the period | 1,840,841 | 50,103,860 | (55,176,408) | (37,394,785) |
| Other Comprehensive Income | - | - | - | - |
| Total Comprehensive Income | 1,840,841 | 50,103,860 | (55,176,408) | (37,394,785) |
| Earning per Share | ||||
| Basic Earning per Share | - | 9.54 | - | (7.12) |
| Diluted Earning per Share | - | 9.54 | - | (7.12) |
Ratios as per NRB Directives
Particular Current Year Up to This Quarter (YTD) Corresponding Previous Year Up to This Quarter (YTD)
Capital fund to RWA 39.73% 34.31%
Non-Performing Loan(NPL) to Total Loan 6.24% 12.43%
Total Loan Loss Provision to Total NPL 103.61% 96.06%
Cost of Fund 5.50% 6.61%
Credit to Deposit Ratio 58.14% 63.15%
Base Rate 7.92% 9.27%
Interest rate Spread 4.57% 4.57%
Details about the distributable Profit (As per NRB Regulation)
Amount NPR
Opening Retained Earning (48,814,256.07)
Add:
Net Profit or (Loss) as per Statement Profit / Loss 50,103,859.95
1. Appropriations
1.1 Profit required to be appropriated to:
a. General Reserve (10,020,771.99)
b. Capital Redemption Reserve -
c. Exchange Fluctuation Fund -
d. CSR Fund (501,038.60)
e. Employee Training Fund (704,383.17)
f. Other -
1.2 Profit required to be transferred to Regulatory Reserve
a. Transferred to Regulatory Reserve (21,802,056.58)
b. Transferred from Regulatory Reserve 319,699.29
Net Profit for the period ended 4th quarter available for distribution (31,418,947.16)
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.
Fourth Quarter Report of F.Y. 2080/81 (Pertaining to Sub-rule (1) of Rule 26 of Securities Registration and Issue Regulations, 2073)
1. Financial Statements:
a) Balance Sheet and Profit and Loss Statement for the quarterly period are published herewith.
b) Key Financial Ratios:
Earnings Per Share (Annualized) Rs. 9.54 Total Assets Per Share Rs. 605.97
Price Earnings Ratio Rs. 157.29 Liquidity Ratio 61.57%
Net Worth Per Share Rs. 139.96
2. Management Analysis:
a) Details regarding major reasons for any changes in the institution's balance, income, and liquidity during the quarterly period:
Transaction growth, taking and giving additional deposits, new loan investments, recovery of outstanding principal and interest, along with the bank's liquidity, income, and cash balance have shown satisfactory growth.
b) Analytical details of management regarding business plans for the upcoming period:
The bank is operating its business through 1 head office in Parsa district and a total of 5 branch offices: 3 branches in Parsa district, 1 branch in Bardibas of Mahottari district, and 1 branch in Barahathawa of Sarlahi district in Province No. 2. In this fiscal year, the bank has adopted a policy of expanding business along with maintaining quality. Priority will be given to expanding branches in Parsa, Bara, Rautahat, Sarlahi, and Mahottari districts and accordingly expanding business, recovery, quality of service, and access.
c) Analytical details regarding events, conditions, etc. from past experience that could have a material impact on the institution's stock, profit, or cash flow:
The bank is aware of the potential impacts on interest rates caused by regular liquidity contraction and expansion in the banking sector, mutual competition in interest rates, increasing operating expenses, etc., so it will not face any serious problems.
3. Legal Proceedings Details:
a) During the last quarterly period, no lawsuit has been filed by the bank 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 against the promoters or directors of the bank for violation of prevailing rules or criminal offenses.
c) No information has been received regarding any lawsuit filed against any promoter or director for financial crimes.
4. Analysis of Company's Share Transactions:
a) Although political conditions in Nepal, Nepal Rastra Bank policies, and other factors affect the securities market causing general fluctuations in market price, the share trading of this bank in the secondary market remains satisfactory.
b) According to Nepal Stock Exchange Limited website www.nepalstock.com, the bank's share transactions during the recent quarter are as follows:
Maximum Price Rs. 3183.00 Trading Days 64
Minimum Price Rs. 1,487.50 Number of Shares Traded 15,821 shares
Closing Price Rs. 1596.50
5. Problems and Challenges:
Transitional economic and political situation of the country, potential sudden policy changes, competitive challenges, liquidity shortage seen in the financial market causing challenges in business expansion, and unexpected natural calamities.
6. Corporate Governance:
a) Directions regarding corporate governance issued by Nepal Rastra Bank are complied with, along with prevailing acts: Company Act, 2063, Banking and Financial Institutions Act, 2073, Nepal Rastra Bank Act, 2058, Securities Act, 2063, Income Tax Act, 2058, etc.
b) Bank's Memorandum of Association, Articles of Association, Employee Service Bylaws, Financial Administration Bylaws, Financial Service Guidelines, Internal Audit Guidelines, Asset Liability Management Policy, Investment Policy, and other policies, rules, and guidelines have been framed and followed.
c) The bank has formed an Audit Committee, Risk Management Committee, and Employee Service Facilities Committee at the Board level to make its transactions smooth, efficient, and internal control systems effective.
7. Chief Executive's Declaration on Truthfulness and Accuracy:
I personally take responsibility for the accuracy of the information and details mentioned in this report as of today's date. Furthermore, I declare that to the best of my knowledge, the details mentioned in this report are true, factual, and complete, and no details, notices, or information required for investors to make informed decisions have been concealed.