Message From CEO

Our Journey

Over the past few years, we have focused on strengthening the Bank's financial stability, improving the quality of our business, enhancing risk management practices, and delivering sustainable value to our stakeholders.

Guided by our commitment— "प्रतिबद्धता" —and our core philosophy of PQR: Prudence, Quality Business, and Return, we continue to build a responsible, well-governed, and future-ready bank.

This fiscal year also marks the completion of my third year as Chief Executive Officer. Despite a challenging economic environment, we have achieved steady and resilient growth through disciplined execution, operational excellence, and the collective dedication of our employees and stakeholders. These achievements reflect the strength of our institution and our shared commitment to excellence.

Highlights from Fiscal Year 2082/83

These initiatives reflect our commitment to gradually strengthening our institution while enhancing customer experience, operational efficiency, and sustainable performance.

Strategic Focus for Fiscal Year 2083/84

Our theme for this year is "Momentum 2027: From Stability to Scale, Developing a Future-Ready Bank." This vision reflects our commitment to transforming today's stability into scalable, sustainable, and long-term growth.

We will continue strengthening credit monitoring, recovery strategies, collection management, and asset quality while accelerating our digital-first journey through automation and Artificial Intelligence across credit assessment, customer onboarding, risk management, customer service, grievance handling, and operational processes.

Building trust remains central to everything we do. We will continue enhancing transparency, strengthening customer engagement, reinforcing our brand, and embedding operational excellence through a Kaizen culture that promotes continuous improvement, innovation, simplified processes, stronger internal controls, and faster service delivery.

Our employees remain our greatest strength. We will continue investing in talent development, leadership growth, workforce optimization, and performance-based management to build a highly capable and future-ready team.

Despite market competition, abundant liquidity, and pressure on spreads, we remain committed to prudent resource management, quality business, sustainable returns, regulatory compliance, AML/CFT requirements, customer protection, and readiness for evolving frameworks such as Expected Credit Loss (ECL).

Looking Ahead

Banking today goes beyond financial products and services. It is built on trust, responsibility, innovation, and creating meaningful impact for our customers and communities.

As we move forward, we will continue strengthening our resilience, embracing digital innovation, upholding good governance, and creating sustainable long-term value for all our stakeholders.

With your continued trust and the unwavering dedication of our team, I am confident that Kamana Sewa Bikas Bank will continue its journey with renewed momentum toward becoming a future-ready, top-ranked development bank.