Dear Esteemed Stakeholders, Valued Clients, and Well-Wishers,
It is with great pride, humility, and a strong sense of responsibility that I welcome you to NMB Laghubitta Bittiya Sanstha Ltd. (NMBMF). Guided by our mission to promote inclusive and sustainable financial access, we remain steadfast in our commitment to empowering underserved and marginalized communities across Nepal.
As a proud subsidiary of NMB Bank Ltd., NMBMF is inspired by the Bank’s strong governance culture, ethical foundation, and long-term vision. Over the years, we have expanded our presence with purpose—ensuring that financial services reach those who have traditionally remained outside the formal banking system. Our growth is not merely measured in numbers, but in the positive and lasting impact we create in people’s lives.
At the core of our operations are our clients and communities. Through responsible microcredit, savings products, and financial literacy initiatives, we strive to nurture entrepreneurship, self-reliance, and economic dignity. Our objective is to support resilient households and vibrant local economies that contribute meaningfully to national development.
Today, NMBMF serves communities through 7 regional offices, 148 branches branches across the country. This extensive outreach is made possible by our dedicated and hardworking team, whose commitment, discipline, and deep community engagement define our institution’s strength.
To our employees, I reiterate my firm belief in a People First Strategy—where skill development, performance excellence, accountability, and recognition go hand in hand. As an institution, we have set ambitious growth and outreach goals, and achieving them will require teamwork, innovation, ethical conduct, and a strong customer-centric mindset. Together, we must transform challenges into opportunities and ensure sustainable business growth while safeguarding portfolio quality and social responsibility.
Looking ahead, NMBMF is focused on digital enablement, operational efficiency, robust risk management, and strengthened governance frameworks. In a rapidly evolving microfinance landscape, we are committed to remaining agile, transparent, and resilient—while fully complying with regulatory standards and best industry practices.
I would like to express my sincere gratitude to our Board of Directors, regulatory authorities, development partners, clients, and all stakeholders for their continued trust, guidance, and collaboration. Most importantly, I thank our employees whose dedication on the ground truly brings our mission to life every day.
Together, let us continue our journey toward building a financially inclusive, socially responsible, and economically empowered Nepal.
Sincerely,
Mr. Sajal Khadka
Act.Chief Executive Officer
NMB Laghubitta Bittiya Sanstha Ltd.
