Innovative Financial Institution Embracing Change and Growth

Initial Public Offering (IPO) of NPR 800 Mio (40%) oversubscribed by 7.36 times Promoter s Share of NPR 1.20 Bio (60%) N P R 8 B i l l i o n C a p i t a l Bonus Share Issuance Merger/Acquisition with 5 BFIs Right Share 40%

Financial Milestones 2067/ 68 2077/78 (Q1) ASSET SIZE NPR 4.41 Billion NPR 86.04 Billion DEPOSITS NPR 2.95 Billion NPR 70.61 Billion LOANS NPR 3.16 Billion NPR 59.00 Billion 2076/77 NET PROFIT NPR 4.41 Million Witnessing Continuous Growth NPR 707.41 Million

114 Branches Spanning 45 Districts 2 Extension Counters N e t w o r k E x p a n s i o n 86 5 Automated Teller Machines Branchless Banking Outlets

The Four Pillars SALES CREDIT Corporate Organization Restructuring SUPPORT CONTROL

Learning Organization Growth Orientation Prudent Risk Management Cultural Shift Credit Quality Focus System/ Structure Driven Service Centric Technology Deployment Performance Driven

Digital Transformation Office Automation COAS EDMS DDTS BIMS BI for Various MIS reports BPS HR Requisition CICL, etc. Digital Banking Services Online A/C opening Centralized A/C opening Tablet Banking Bundling of digital banking services within CivilSmart Cardless Payment Upgraded Internet Banking QR Payment Digital Archiving

Prudent Risk Management Framework Optimum Focus on Operational Control, Compliance, Governance Pillar Segregation for prudent risk Robust and Prudent Risk Management Controlled Growth Operational Risk Management management based on BCBS Principles Regular Oversight from RMC and Board 1. Operational Risk Management Policy Regular discussions of risk related issues 2. Guidelines for Operational Risk Reporting in CRMC, ORMC and ALCO 3. BCP including BCP for Contagious Infections, Updated Policies and Procedures Lockdowns and Similar Restriction Credit Risk Management Market & Liquidity Risk Management 1. Credit Policy Guidelines 2. Credit Risk Management Policy 1. Market & Liquidity Risk Management Policy Information Security Risk Management 3. Credit Risk Grading Policy 2. Asset Liability Management Policy 1. IT Policy 4. Environmental & Social Risk Management Policy 3. Investment Policy 2. Regular IT Security Awareness to Stakeholders 5. Credit Monitoring Operational Manual 4. Liquidity Contingency Plan 5. ICAAP Policy

Credit Quality Improvement 1.55% NPA to From 4.49% NPA

Awards & Recognition Best Employer Brand Award 2017 by Employer Branding Institute, India Recipient of the MasterCard International Innovation Award - 2014 ISO 9001:2015 Certified

Being a Responsible Corporate Citizen Taxes Paid: NPR 1.07 Billion Tax Deducted at Source: NPR 1.58 Billion Employment Contribution: NPR 327 Million In Full Compliance of All Rules & Regulations