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आधिकारिक सूचनाOfficial AnnouncementFinancial Analysis
5 Nov, 2026
युनिक नेपाल लघुवित्तको पहिलो त्रैमासिक वित्तीय विवरण सार्वजनिक

युनिक नेपाल लघुवित्तको पहिलो त्रैमासिक वित्तीय विवरण सार्वजनिकUnique Nepal Laghubitta Publishes Q1 Financial Statements

वर्ग:Category:
Financial Analysis
प्रकाशित मिति:Published:
Published on November 5, 2026

Unaudited Condensed Statement of Financial Position

Condensed Statement of Financial Position

as on 31, Ashoj, 2083

Amount in NPR

AssetsThis Quarter EndingImmediate Previous Year Ending
Cash and cash equivalents423,920,531274,784,214
Statutory Balance and due from Nepal Rastra Bank17,764,90017,764,900
Placement with Bank and Financial Institutions--
Derivative Financial Instruments--
Other Trading Assets--
Loans and advances to MFISs & Cooperatives--
Loans and advances to customers3,212,992,4593,326,402,535
Investment securities--
Current tax Assets--
Investment property--
Property and Equipment25,795,97225,410,222
Goodwill and Intangible Assets--
Deferred Tax Assets13,246,71013,246,710
Other assets218,452,740215,469,183
Total Assets3,912,173,3123,873,077,763
Liabilities
Due to Bank and Financial Institutions138,246,981168,223,470
Due to Nepal Rastra Bank--
Derivative Financial Instrument--
Deposits from customers2,937,403,9242,896,901,680
Borrowings--
Current Tax Liabilities42,581,51838,951,912
Provisions--
Deferred Tax Liabilities--
Other liabilities417,496,484401,145,213
Debt securities issued--
Subordinated Liabilities--
Total Liabilities3,535,728,9073,505,222,275
Equity
Share Capital148,575,000148,575,000
Share Premium--
Retained Earnings48,389,04743,641,319
Reserves179,480,357175,639,169
Total Equity376,444,404367,855,488
Total Liabilities and Equity3,912,173,3123,873,077,763

Condensed Statement of Profit or Loss

For the quarter ended 31, Ashoj, 2083

Amount in NPR

ParticularsCurrent Year This QuarterCurrent Year Upto this Quarter (YTD)Previous Year Corresponding This QuarterPrevious Year Corresponding Upto this Quarter (YTD)
Interest income134,537,411134,537,411136,720,769136,720,769
Interest expense64,384,20064,384,20063,837,08163,837,081
Net interest income70,153,21070,153,21072,883,68872,883,688
Fees and commission income8,320,3048,320,3048,690,4098,690,409
Fees and commission expense6576572,4932,493
Net fee and commission income8,319,6478,319,6478,687,9168,687,916
Net interest, fee and commission income78,472,85778,472,85781,571,60381,571,603
Net trading income----
Other operating income3,336,3553,336,3552,928,9592,928,959
Total operating income81,809,21381,809,21384,500,56284,500,562
Impairment charge/(reversal) for loans and other losses30,857,41530,857,41524,767,40824,767,408
Net operating income50,951,79850,951,79859,733,15459,733,154
Operating expense40,901,27940,901,27934,510,98834,510,988
Personnel expenses33,741,70533,741,70527,528,80727,528,807
Other Operating expenses6,714,4236,714,4236,468,5456,468,545
Depreciation and Amortisation445,151445,151513,636513,636
Operating Profit10,050,51910,050,51925,222,16625,222,166
Non operating Income2,048,1682,048,1681,346,4871,346,487
Non operating expense----
Profit before income tax12,098,68712,098,68726,568,65326,568,653
Income tax expense3,629,6063,629,6067,970,5967,970,596
Current tax3,629,6063,629,6067,970,5967,970,596
Deferred Tax----
Profit for the period8,469,0818,469,08118,598,05718,598,057
ParticularsCurrent Year This QuarterCurrent Year Upto this QuarterPrevious Year Corresponding This QuarterPrevious Year Corresponding Upto this Quarter
Condensed Statement of Comprehensive Income
Profit for the period8,469,0818,469,08118,598,05718,598,057
Other Comprehensive Income----
Total Comprehensive Income8,469,0818,469,08118,598,05718,598,057
Basic Earning Per Share (Annualized)-22.80-50.07
Diluted Earning Per Share-22.80-50.07
ParticularsCurrent Year This Quarter Upto this QuarterPrevious Year Corresponding This Quarter Upto this Quarter
Ratios as per NRB Directive
Capital Fund to RWA--
Non Performing Loan (NPL) to total Loan--
Total loan loss provision to Total NPL--
Cost of funds--
Credit to Deposits and Borrowing Ratio--
Base rate--
Interest Rate Spread--

Statement of Distributable Profit or Loss

Net Profit for the period end 31 Ashoj, 2083 8,469,081

1.1 Profit required to be appropriated to: 2,032,579

a. General Reserve 1,693,816

b. Capital redemption reserve

c. Exchange Fluctuation reserve

d. Corporate social responsibility fund 84,691

e. Employees training fund

f. Client protection fund 254,072

g. Other

Profit or (loss) before regulatory adjustment - - 6,436,502

1.2 Regulatory Adjustment: (1,688,773)

a. Interest receivable (-)/previous accrued interest received (+) (1,688,773)

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 recognised (-)/ reversal (+)

f. Goodwill recognised (-)/ impairment of Goodwill (+)

g. Bargain purchase gain recognised (-)/reversal (+)

h. Actuarial loss recognised (-)/reversal (+)

i. Other
Net Profit for the period available for distrubution--4,747,728
Opening Retained Earnings as of Shrawan01208343,641,319

Adjustment (+/-)

Distribution: -

Bonus Share Issued -

Cash Dividend Paid -

Total Distributable Profit or (loss) as on Qtr end date 2083 Ashoj 48,389,047

Annualized Distributable Profit/(loss) per Share 32.57

Notes :

1. Above financial statements are prepared in accordance with Nepal Financial Reporting Standards (NFRS).

2. Loan and advances are stated at net of impairment charge and included interest receivable on loan.

3. Above figures may vary upon otherwise direction made by Statutory auditor and Regulators.

  1. Figures has been regrouped/rearranged/restated wherever necessary.
  2. The interim financial statements has been uploaded in the website https://uniquenepalmicrofinance.com.np
  3. Interest on deposit and Loan & Advance: Deposit: 7.5% to 13% Loan & Advance: 13.88.00% to 15%

धितोपत्र दर्ता तथा निष्काशन नियमावली, २०७३ को अनुसूची १८ (नियम २६ को उपनियम १ सँग सम्बन्धित)

आ.व. २०८३/०८४ को पहिलो त्रैमासिक प्रतिवेदन

१. वित्तीय विवरण :

क) आ.व. २०८३/०८४ को पहिलो त्रैमास (२०८३/०४/०१ देखि २०८३/०६/३१ सम्म) को वासलात, नाफा नोक्सान सम्बन्धी विवरण यस लघुवित्त वित्तीय संस्थाको वेवसाइटमा राख्नुका साथै यसै साथ प्रकाशित गरिएको छ।

ख) प्रमुख वित्तीय अनुपातहरु :

प्रति शेयर आम्दानी रु. २२।८०

मूल्य आम्दानी अनुपात (P/E Ratio) ५७।५९

प्रति शेयर नेटवर्थ रु. २५३।२९

प्रति शेयर कुल सम्पत्तिको मूल्य रु. २,६३३।५२

तरलता अनुपात १२।५६

२. व्यवस्थापकीय विश्लेषण :

क) त्रैमासिक अवधिमा संस्थाको मौज्दात, आम्दानी र तरलतामा कुनै परिवर्तन भई सोको प्रमुख कारण सम्बन्धी विवरण :

यस अवधिमा यस वित्तीय संस्थाले आवश्यक तरलता व्यवस्थापन गरेको छ। यस त्रैमासमा तरलता अनुपात १२.५६ प्रतिशत रहेको छ, जगेडा तथा अन्य कोषमा सामान्य बढेको छ। साथै यस आ.व. को पहिलो त्रैमाससम्ममा खुद मुनाफ़ा रु. ८४ लाख ६९ हजार ८१ रहेको छ।

ख) आगामी अवधिको व्यावसायिक योजना सम्बन्धमा व्यवस्थापनको विश्लेषणात्मक विवरण :

यस वित्तीय संस्था आप्नो स्थापनाकाल देखि नै लघुवित्तीय सेवा प्रदान गर्नका साथै समृद्ध सदस्यहरुलाई बचत परिचालन सेवा दिने कार्यमा केन्द्रित रहँदै आएको छ। आगामी दिनमा पनि यस कार्यलाई निरन्तरता दिइनेछ। सुदुर पश्चिम र लुम्बिनी प्रदेशको ६ वटा जिल्लामा कार्यालय सञ्चालन गरी यस संस्थाले ग्रामीण तथा अति विपन्न परिवारलाई लक्षित गरी प्रत्यक्ष वा परोक्ष रुपमा वित्तीय पहुँच पुऱ्याई सेवा प्रवाह गर्नका लागि व्यवस्थापने नियमनको परिधिमा रही खुकुलो र लचिलो नीति लिई प्रभावकारी रुपमा कार्यन्वयन गर्नेछ। हाल केही प्रतिकुल परिस्थितिको कारण निष्कृय कर्जाको हिस्सा केही बढी भए तापनि यस त्रैमास अवधिमा नयाँ कर्जा निष्कृय हुन नदिन सुधारशील रणनीतिलाई प्राथमिकता दिने, असलीको लागि क्षेत्र भ्रमण कार्यक्रममा केन्द्रीय कार्यालयका कार्यरत कर्मचारीहरुलाई परिचालन गरी सधन असली ताकेता गर्ने, लक्ष्य र योजना बनाई कार्यान्वयनको लागि शाखाहरुमा पठाउने र सो अनुसार प्रगति भए नभएको नियमित रुपमा दैनिक अनुगमन गर्ने जस्ता रणनीति अपनाइएको छ। ग्राहकलाई गुणस्तरीय सेवा प्रदान गरी संस्थाको छवि सुदृढ हुने कुरामा यस वित्तीय संस्था विश्वस्त रहेको छ। सदस्यहरुको ज्ञान, सीप र क्षमता अभिवृद्धिको लागि व्यावसायिक र सीपमूलक तालिमहरु पनि सञ्चालन गरिदै आइएको छ। वित्तीय सचेतना अभिवृद्धिको लागि सेवाग्राही र सरोकारवालाको सहभागितामा वित्तीय साक्षरता तथा अन्तरक्रिया कार्यक्रम सञ्चालन गर्ने कार्यलाई आगामी अवधिमा पनि निरन्तरता दिइनेछ।

ग) विगतको अनुभवबाट संगठित संस्थाको मौज्दात, नाफा वा नगद प्रवाहमा तात्त्विक असर पर्न सक्ने घटना, अवस्था आदि भएमा सो सम्बन्धी विश्लेषणात्मक विवरण :

यस संस्थाको व्यवसायको आकार वृद्धि भई रहेको छ भने सञ्चालन मुनाफा अघिल्लो वर्षको पहिलो त्रैमासको तुलनामा धेरै कम आएको छ। नयाँ कर्जा भाका नाघ्ने दर विस्तारै कम हुँदै गए तापनि पुराना भाका नाघेको कर्जा अपेक्षकृत रुपमा असली हुन सकेको छैन। तथापि वित्तीय संस्थाले हाल वित्तीय साक्षरता कार्यक्रमहरु मार्फत वित्तीय संस्थाले सदस्यहरुलाई सचेतना दिँदै आई रहेको छ। आर्थिक गतिविधिहरु विस्तारै चलायमान हुँदै गएकोले आगामी केही दिनभित्रै संस्थाले दिने सेवा तथा संस्थाको कारोबारमा वृद्धि हुदै जाने अपेक्षा गरिएको छ। तसर्थ संस्थाको मौज्दात, नाफा नोक्सान वा नगद प्रवाहमा तात्विक असर पर्न सक्ने घटना भएको छैन। यस प्रति व्यवस्थापन सचेत र सतर्क रहेको छ।

३. कानूनी कारवाही सम्वन्धी विवरण :

क) त्रैमासिक अवधिमा संगठित संस्थाले वा संस्थाका विरुद्ध कुनै मुद्दा दायर भएको भए :

यस अवधिमा संस्थाले कसैको विरुद्ध र संस्थाको विरुद्ध अरु व्यक्तिबाट कुनै पनि मुद्दा दायर भएको छैन।

ख) संगठित संस्थाको संस्थापक वा सञ्चालकले वा संस्थापक वा सञ्चालकको विरुद्धमा प्रचलित नियमको अवज्ञा वा फौजदारी अपराध गरेको सम्बन्धमा कुनै मुद्दा दायर भएको भए :

यस वित्तीय संस्थाको संस्थापक वा सञ्चालकले वा संस्थापक वा सञ्चालकको विरुद्धमा प्रचलित नियमको अवज्ञा वा फौजदारी अपराध गरेको सम्बन्धमा कुनै मुद्दा दायर भएको वा भएको बारे कुनै जानकारी प्राप्त भएको छैन।

ग) कुनै संस्थापक वा सञ्चालक विरुद्ध आर्थिक अपराध गरेको सम्बन्धमा कुनै मुद्दा दायर भएको भए :

कुनै संस्थापक वा सञ्चालक विरुद्ध आर्थिक अपराध गरेको सम्बन्धमा कुनै मुद्दा दायर भएको बारे हालसम्म कुनै पनि जानकारी प्राप्त भएको छैन।

४. संगठित संस्थाको शेयर कारोबार सम्बन्धी विश्लेषण :

क) धितोपत्र बजारमा भएको संगठित संस्थाको शेयरको कारोबार सम्बन्धमा व्यवस्थापनको धारणा :

यस लघुवित्त वित्तीय संस्थाको शेयर कारोबारको सम्बन्भमा व्यवस्थापनले नियमित रुपमा नेपाल स्टक एक्सचेन्जको कारोबार अवलोकन गरिरहेको छ। शेयरको मूल्यमा तात्त्विक असर पार्ने कुनै अस्वाभाविक घटना घटेको छैन।

ख) त्रैमासिक अवधिमा शेयरको अधिकतम, न्यूनतम, अन्तिम मूल्य, कारोबार भएको कुल दिन तथा कारोबारको संख्या :

यस त्रैमास अवधिमा यस संस्थाको शेयरको अधिकतम, न्यूनतम, अन्तिम मूल्य, कारोबार भएको कुल दिन तथा कारोबारको संख्या निम्न अनुसार रहेको छ।

अधिकतम मूल्य रु. १३३५।२० न्यूनतम मूल्य रु. ९७८।९७ अन्तिम मूल्य रु. १२४४।८० कारोबार भएको कुल दिन ६१ कारोबारको संख्या ६१८ कारोबार भएको कुल शेयर संख्या २७,३४६

(श्रोतः नेपाल स्टक एक्सचेन्जको वेबसाइट www.nepalstock.com.np अनुसार)

५. समस्या तथा चुनौती :

क. भाका नाघेको तथा निष्कृय कर्जा अनुपात बढ्नु।

ख. केही गुणी सदस्यहरु ऋण लिइसकेपछि सम्पर्कमा नआउनु।

ग. युवा वर्ग प्रयाप्त हुँदा नयाँ सदस्यहरु थप नहुनु, तथा पुराना ऋणी सदस्य घट्दै जानु।

घ. सदस्य स्वयं नै वैदेशिक रोजगारीमा जाँदा सदस्यको उपस्थिति कम हुनु।

ङ. व्यावसायिक शिथिलता कायम रहँदा कर्जाको माग घट्नु।

रणनीति :

क. निष्कृय कर्जा घटाउनको लागि कार्य योजना र जिम्मेवारी तोकी सम्पूर्ण कर्मचारीहरु परिचालन गर्ने।

ख. गुणस्तरीय कर्जा लगानीको लागि कर्मचारीहरुको क्षमता विकासको लागि तालिम दिने।

ग. सेवाग्राहीमैत्री लघुवित्त सेवा बनाउन ग्राहकहरुको सुझाव संकलन गर्ने, केन्द्र प्रमुख तथा अभिभावकहरुसंग वित्तीय साक्षरता र अन्तरक्रिया कार्यक्रम गर्ने, संकलित राय सुझावको अध्ययन विश्लेषण गरी नीतिगत सुधार गर्ने।

घ. सदस्यहरुमा सचेतना र वित्तीय साक्षरता अभिवृद्धि गर्नको लागि सचेतनामूलक सन्देश, अडियो, भिडियो सामग्री र सूचना तयार पारि विभिन्न सञ्चार माध्यमबाट प्रचार प्रसार गर्ने।

ङ. उपलब्ध स्रोत र साधनको अधिकतम उपयोग गर्ने।

६. संस्थागत सुशासन :

संस्थागत सुशासन सुदृढ गर्नका लागि सञ्चालक समिति, लेखापरीक्षण समिति, जोखिम व्यवस्थापन समिति, सम्पत्ति शुद्धिकरण अनुगमन समिति र व्यवस्थापन स्तरीय समितिहरु सदैव प्रतिवद्ध रहेको छ। नेपाल राष्ट्र बैंक लगायत अन्य नियामक निकायले जारी गरेको निर्देशन तथा लघुवित्त संस्थाले बनाएका नीति नियमहरुको अनुपालन गरिंदै आइएको छ। संस्थागत सुशासन कायम राख्न नीति नियम तथा निर्देशिकाहरु तयार गरी व्यवस्थापनको स्पष्ट अधिकार र दायित्वको व्यवस्था गरिएको छ।

७. सत्य, तथ्य र तथ्याङ्क सम्वन्धी कार्यकारी निर्देशकको उद्घोष :

आजको मितिसम्म यस प्रतिवेदनमा उल्लेखित जानकारी तथा विवरणहरुको शुद्धता सम्बन्धमा मेरो उच्च व्यवस्थापनले मलाई उपलब्ध गराएको सूचनाको आधारमा म व्यक्तिगत रुपमा उत्तरदायित्व लिन्छु। साथै म यो उद्घोष गर्दछु कि मैले जाने बुझेसम्म यस प्रतिवेदनमा उल्लेखित विवरणहरु सत्य, तथ्य र पूर्ण छन्। लगानीकर्ताहरुलाई सुसूचित भई निर्णय लिन आवश्यक पर्ने कुनै विवरण वा सूचना तथा जानकारीहरु लुकाइएको छैन।

Unaudited Condensed Statement of Financial Position

Condensed Statement of Financial Position

as on 31, Ashoj, 2083

Amount in NPR

AssetsThis Quarter EndingImmediate Previous Year Ending
Cash and cash equivalents423,920,531274,784,214
Statutory Balance and due from Nepal Rastra Bank17,764,90017,764,900
Placement with Bank and Financial Institutions--
Derivative Financial Instruments--
Other Trading Assets--
Loans and advances to MFISs & Cooperatives--
Loans and advances to customers3,212,992,4593,326,402,535
Investment securities--
Current tax Assets--
Investment property--
Property and Equipment25,795,97225,410,222
Goodwill and Intangible Assets--
Deferred Tax Assets13,246,71013,246,710
Other assets218,452,740215,469,183
Total Assets3,912,173,3123,873,077,763
Liabilities
Due to Bank and Financial Institutions138,246,981168,223,470
Due to Nepal Rastra Bank--
Derivative Financial Instrument--
Deposits from customers2,937,403,9242,896,901,680
Borrowings--
Current Tax Liabilities42,581,51838,951,912
Provisions--
Deferred Tax Liabilities--
Other liabilities417,496,484401,145,213
Debt securities issued--
Subordinated Liabilities--
Total Liabilities3,535,728,9073,505,222,275
Equity
Share Capital148,575,000148,575,000
Share Premium--
Retained Earnings48,389,04743,641,319
Reserves179,480,357175,639,169
Total Equity376,444,404367,855,488
Total Liabilities and Equity3,912,173,3123,873,077,763

Condensed Statement of Profit or Loss

For the quarter ended 31, Ashoj, 2083

Amount in NPR

ParticularsCurrent Year This QuarterCurrent Year Upto this Quarter (YTD)Previous Year Corresponding This QuarterPrevious Year Corresponding Upto this Quarter (YTD)
Interest income134,537,411134,537,411136,720,769136,720,769
Interest expense64,384,20064,384,20063,837,08163,837,081
Net interest income70,153,21070,153,21072,883,68872,883,688
Fees and commission income8,320,3048,320,3048,690,4098,690,409
Fees and commission expense6576572,4932,493
Net fee and commission income8,319,6478,319,6478,687,9168,687,916
Net interest, fee and commission income78,472,85778,472,85781,571,60381,571,603
Net trading income----
Other operating income3,336,3553,336,3552,928,9592,928,959
Total operating income81,809,21381,809,21384,500,56284,500,562
Impairment charge/(reversal) for loans and other losses30,857,41530,857,41524,767,40824,767,408
Net operating income50,951,79850,951,79859,733,15459,733,154
Operating expense40,901,27940,901,27934,510,98834,510,988
Personnel expenses33,741,70533,741,70527,528,80727,528,807
Other Operating expenses6,714,4236,714,4236,468,5456,468,545
Depreciation and Amortisation445,151445,151513,636513,636
Operating Profit10,050,51910,050,51925,222,16625,222,166
Non operating Income2,048,1682,048,1681,346,4871,346,487
Non operating expense----
Profit before income tax12,098,68712,098,68726,568,65326,568,653
Income tax expense3,629,6063,629,6067,970,5967,970,596
Current tax3,629,6063,629,6067,970,5967,970,596
Deferred Tax----
Profit for the period8,469,0818,469,08118,598,05718,598,057
ParticularsCurrent Year This QuarterCurrent Year Upto this QuarterPrevious Year Corresponding This QuarterPrevious Year Corresponding Upto this Quarter
Condensed Statement of Comprehensive Income
Profit for the period8,469,0818,469,08118,598,05718,598,057
Other Comprehensive Income----
Total Comprehensive Income8,469,0818,469,08118,598,05718,598,057
Basic Earning Per Share (Annualized)-22.80-50.07
Diluted Earning Per Share-22.80-50.07
ParticularsCurrent Year This Quarter Upto this QuarterPrevious Year Corresponding This Quarter Upto this Quarter
Ratios as per NRB Directive
Capital Fund to RWA--
Non Performing Loan (NPL) to total Loan--
Total loan loss provision to Total NPL--
Cost of funds--
Credit to Deposits and Borrowing Ratio--
Base rate--
Interest Rate Spread--

Statement of Distributable Profit or Loss

Net Profit for the period end 31 Ashoj, 2083 8,469,081

1.1 Profit required to be appropriated to: 2,032,579

a. General Reserve 1,693,816

b. Capital redemption reserve

c. Exchange Fluctuation reserve

d. Corporate social responsibility fund 84,691

e. Employees training fund

f. Client protection fund 254,072

g. Other

Profit or (loss) before regulatory adjustment - - 6,436,502

1.2 Regulatory Adjustment: (1,688,773)

a. Interest receivable (-)/previous accrued interest received (+) (1,688,773)

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 recognised (-)/ reversal (+)

f. Goodwill recognised (-)/ impairment of Goodwill (+)

g. Bargain purchase gain recognised (-)/reversal (+)

h. Actuarial loss recognised (-)/reversal (+)

i. Other
Net Profit for the period available for distrubution--4,747,728
Opening Retained Earnings as of Shrawan01208343,641,319

Adjustment (+/-)

Distribution: -

Bonus Share Issued -

Cash Dividend Paid -

Total Distributable Profit or (loss) as on Qtr end date 2083 Ashoj 48,389,047

Annualized Distributable Profit/(loss) per Share 32.57

Notes :

1. Above financial statements are prepared in accordance with Nepal Financial Reporting Standards (NFRS).

2. Loan and advances are stated at net of impairment charge and included interest receivable on loan.

3. Above figures may vary upon otherwise direction made by Statutory auditor and Regulators.

  1. Figures has been regrouped/rearranged/restated wherever necessary.
  2. The interim financial statements has been uploaded in the website https://uniquenepalmicrofinance.com.np
  3. Interest on deposit and Loan & Advance: Deposit: 7.5% to 13% Loan & Advance: 13.88.00% to 15%

(Related to Sub-rule 1 of Rule 26 of Annexure 18 of Securities Registration and Issuance Regulations, 2073)

First Quarter Report of F.Y. 2083/084

1. Financial Statements :

a) The balance sheet and profit & loss statement for the first quarter of F.Y. 2083/084 (from 2083/04/01 to 2083/06/31) have been published along with this after being posted on the website of this microfinance financial institution.

b) Major Financial Ratios :

Earnings Per Share Rs. 22।80 Price Earnings Ratio (P/E Ratio) 57।59 Networth Per Share Rs. 253।29 Total Assets Value Per Share Rs. 2,633।52 Liquidity Ratio 12।56

2. Management Analysis :

a) Details regarding major reasons for changes in reserves, income, and liquidity during the quarterly period :

During this period, this financial institution has managed necessary liquidity. The liquidity ratio in this quarter stands at 12.56 percent, reserves and other funds have increased slightly. Also, up to the first quarter of this F.Y., the net profit stands at Rs. 84 lakh 69 thousand 81.

b) Analytical details of management regarding business plan for the upcoming period :

Since its inception, this financial institution has been focusing on providing microfinance services as well as savings mobilization services to prosperous members. This work will continue in the coming days as well. Operating offices in 6 districts of Sudurpashchim and Lumbini provinces, this institution adopts flexible and lenient policies within the regulatory framework for management to provide service by reaching financial access directly or indirectly targeting rural and ultra-poor families, and implements effectively. Currently, although the proportion of non-performing loans is slightly higher due to some adverse circumstances, priority is given to corrective strategies to prevent new loans from becoming non-performing during this quarterly period, mobilizing central office employees for field visit programs for genuine recovery to make intensive recovery calls, making targets and plans and sending them to branches for implementation, and regularly monitoring daily whether progress is made according to that. The financial institution is confident that the image of the institution will be strengthened by providing quality service to customers. Commercial and skill-oriented trainings are also being conducted to enhance the knowledge, skills, and capacity of members. Activities of conducting financial literacy and interaction programs with the participation of clients and stakeholders to increase financial awareness will also be continued in the upcoming period.

c) Analytical details regarding events, conditions, etc. from past experience that could have a material impact on the entity's reserves, profit, or cash flow :

The business size of this institution is growing, whereas operating profit has come lower compared to the first quarter of the previous year. Although the rate of new loans crossing due dates is gradually decreasing, old overdue loans could not be recovered as expected. However, the financial institution is currently raising awareness among members through financial literacy programs. As economic activities are gradually becoming dynamic, service provided by the institution and business of the institution are expected to increase in the coming days. Therefore, no event has occurred that could materially affect the institution's reserves, profit/loss, or cash flow. Management is alert and cautious regarding this.

3. Details Regarding Legal Proceedings :

a) If any lawsuit has been filed by or against the organized institution during the quarterly period :

During this period, no lawsuit has been filed by or against the institution from other persons.

b) If any lawsuit has been filed regarding violation of prevailing rules or criminal offense by or against the promoter or director of the organized institution :

No information has been received regarding any lawsuit filed regarding violation of prevailing rules or criminal offense by or against the promoter or director of this financial institution.

c) If any lawsuit has been filed against any promoter or director regarding financial crime :

No information has been received so far regarding any lawsuit filed against any promoter or director regarding financial crime.

4. Analysis Regarding Share Transactions of the Organized Institution :

a) Management's view regarding transaction of shares of the organized institution in the securities market :

Regarding share transaction of this microfinance financial institution, management is regularly observing transactions on the Nepal Stock Exchange. No abnormal event has occurred affecting share prices materially.

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

During this quarter period, the maximum, minimum, closing price, total days traded, and number of transactions of shares of this institution are as follows.

Maximum Price Rs. 1335।20 Minimum Price Rs. 978।97 Closing Price Rs. 1244।80 Total Days Traded 61 Number of Transactions 618 Total Shares Traded 27,346

(Source: As per website of Nepal Stock Exchange www.nepalstock.com.np)

5. Problems and Challenges :

a) Increase in overdue and non-performing loan ratio.

b) Some good members not coming into contact after taking loans.

c) Absence of addition of new members due to sufficient young generation, and decrease in old borrower members.

d) Low presence of members themselves due to going for foreign employment.

e) Decrease in loan demand due to persistence of business sluggishness.

Strategy :

a) Deploy all employees by assigning action plan and responsibility to reduce non-performing loans.

b) Provide training for capacity development of employees for quality loan investment.

c) Collect customer suggestions to make microfinance services client-friendly, conduct financial literacy and interaction programs with center chiefs and guardians, study and analyze collected feedback/suggestions to make policy improvements.

d) Prepare awareness messages, audio, video materials, and information to increase awareness and financial literacy among members and publicize through various communication media.

e) Make maximum utilization of available resources.

6. Corporate Governance :

To strengthen corporate governance, Board of Directors, Audit Committee, Risk Management Committee, Anti-Money Laundering Monitoring Committee, and management-level committees are always committed. Directives issued by Nepal Rastra Bank and other regulatory bodies as well as policies and rules formulated by the microfinance institution are being complied with. Policy rules and guidelines have been prepared to maintain corporate governance, arranging clear authority and responsibility of management.

7. Declaration of Executive Director Regarding Truth, Facts, and Data :

I personally take responsibility based on the information provided to me by my senior management regarding the accuracy of information and details mentioned in this report till today's date. Also, I declare that to the best of my knowledge, the details mentioned in this report are true, factual, and complete. No details, notice, or information required for investors to make informed decisions have been concealed.

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