Company: NTWK
Filing Date: 2025-09-29
Form Type: 10-K
Source: 0001493152-25-015950
Chunk: 139

Company: NETSOL TECHNOLOGIES INC
Filing Date: 2025-09-29
Form: 10-K
Item: Item 1
Chunk 139
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    Loan Payable Bank - Export Refinance II 
     1,337,322  
     1,337,322  
     -  
     -  
     - 
  
    Loan Payable Bank - Export Refinance III 
     4,575,048  
     4,575,048  
     -  
     -  
     - 
  
    Term Finance Facility 
     -  
     -  
     -  
     -  
     - 
  
    Sale and Leaseback Financing 
     76,618  
     29,660  
     46,958  
     -  
     - 
  
    Insurance financing 
     -  
     -  
     -  
     -  
     - 
  
    Short Term Loan 
     -  
     -  
     -  
     -  
     - 
  
    Subsidiary Finance Leases 
     101,505  
     13,855  
     87,650  
     -  
     - 

     - 

     - 
  
    Operating Lease Obligations 
     766,616  
     433,242  
     332,938  
     436  
     - 

     - 
  
    Total 
    $9,141,285  
    $8,673,303  
    $467,546  
    $436  
    $- 

Off-Balance
Sheet Arrangements

We
do not maintain any off-balance sheet arrangements, transactions, obligations or other relationships with unconsolidated entities that
would be expected to have a material current or future effect upon our financial condition or results of operations.

26

 ITEM 7A. QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

We
are exposed to financial market risks, including changes in currency exchange rates and interest rates.

Foreign
Currency Exchange Risk 

Economic
Exposure 

We
transact business in various foreign currencies and have significant international revenues, as well as costs denominated in foreign
currencies. This exposes us to the risk of fluctuations in foreign currency exchange rates. Since the majority of the Company’s
operations are based in the