B A N K I N G P A R E X E C E L L E N C E gjf}+ jflif {s ... · 1 B A N K I N G P A R E X E C E L L...

$: B A N K I N G P A R E X E C E L L E N C E gjf}+ jflif {s ... · 1 B A N K I N G P A R E X E C E L L E N C E jflif{s k |ltj ]bg @)^%÷^^ gjf}+ jflif {s ;fwf/0f;ef ;DaGwL ; "rgf >L$
1

B A N K I N G P A R E X E C E L L E N C E

jflif{s k|ltj]bg @)^%÷^^

gjf}+ jflif{s ;fwf/0f;ef ;DaGwL ;"rgf

>L z]o/wgL dxfg'efjx¿,

s'df/L a}+s lnld6]8sf] ldlt @)^^÷&÷# df a;]sf] ;+rfns ;ldltsf] %–)^^÷)^& cf}+ a}7ssf] lg0f{oadf]lhd lgDg lnlvt ldlt, :yfg / ;dodf lgDg lnlvt k|:tfjx¿ pk/ 5nkmn tyf lg0f{o ug{sf nflu a}+ssf] gjf}+ jflif{s ;fwf/0f;ef a:g] ePsf] x'“bf ;Dk"0f{ z]o/wgL dxfgefjx¿sf] hfgsf/Lsf nflu of] ;"rgf k|sflzt ul/Psf] 5 .

;fwf/0f ;ef x'g] ldlt, :yfg tyf ;do

ldlt M @)^^ ;fn sflt{s @( ut], cfOtaf/ -tbg';f/ !% gf]e]Dj/ @))(_

:yfg M lqe'jg cfld{ cl;;{ Snj, eb|sfln, sf7df8f}+ .

;do M laxfg !)M#) ah] .

5nkmnsf ljifox¿

!_ gjf}+ jflif{s ;fwf/0f;efsf nflu ;~rfns ;ldltsf] jflif{s k|ltj]bgpk/ 5nkmn u/L kfl/t ug]{ .

@_ n]vfk/LIfssf] k|ltj]bg;lxt @)^^ cfiff9 d;fGtsf] jf;nft, @)^% >fj0f ! b]lv @)^^ cfiff9 d;fGt;Ddsf] gfkmf gf]S;fg lx;fa / ;f]xL cjlwsf] gub k|jfx ljj/0fpk/ 5nkmn u/L kfl/t ug]{ .

#_ cfly{s jif{ @)^^÷)^& sf nflu n]vfk/LIfs lgo'Qm ug]{ / lghsf] kfl/>lds tf]Sg] . -jt{dfg n]vfk/LIfs >L dbgs[i0f zdf{ k'gM lgo'lQmsf] nflu of]Uo g/xg' ePsf]_

$_ ;~rfns ;ldltn] k|:tfj u/]adf]lhd v'b bz k|ltzt af]gz z]o/ hf/L ug]{–ljz]if k|:tfj kfl/t ug]{ .

%_ ;~rfnsx¿sf] Jofj;flos e|d0f vr{df j[l4 ug{ ;+rfns ;ldltn] u/]sf] l;kmfl/;nfO{ :jLs[t ug]{ .

^_ a}+ssf] ljBdfg hf/L tyf r'Qmf k'“hLnfO{ j[l4 ug]{ .

&_ ;+:yfks ;d"xdf PsfpGg k|ltzt z]o/ sfod /fvL ;+:yfks ;d'xsf] af“sL z]o/ ;j{;fwf/0f ;d"xdf kl/0ft ug]{, ;f]xL adf]lhd z]o/ :jfldTsf] cfwf/df ;~rfns ;ldltdf k|ltlglwTjsf] Joj:yf ug]{, a}+ssf] hf/L tyf r'Qmf k'“hLdf j[l4 ug]{, ;~rfnsx¿sf] Jofj;flos e|d0f vr{ ;DaGwL ljifo nufot cGo ljifox¿df k|aGwkq tyf lgodfjnL ;+zf]wg ug{ ;~rfns ;ldltn] u/]sf] l;kmfl/;nfO{ :jLs[t ug]{ ljz]if k|:tfj pk/ 5nkmn u/L kfl/t ug]{ .

*_ ;+:yfks ;d'xaf6 k|ltlglwTj ug]{ kf“rhgf ;~rfnsx¿sf] lgodfg';f/ lgjf{rg ug]{ .

(_ ljljw .

cf1fn],

sDkgL ;lrj

2



;fwf/0f;ef;DaGwL ;+lIfKt hfgsf/L1_ gjf}+ jflif{s ;fwf/)f ;efsf] k|of]hgsf] nflu a}+ss]f z]o/ bflvn vf/]hsf] sfd ldlt 2066 sflt{s 13 ut]b]lv 2066 ;fn

sflt{s 29 ut];Dd aGb /xg]% / ldlt 2066 sflt{s 12 ut];Dd g]kfn lwtf]kq ljlgdo ahf/ ln= df sf/f]af/ eO{ ldlt 2066 sflt{s 20 ut];Dddf a}+ssf] z]o/ /lhi^«f/ Pg= cfO{= l*= l;= Soflk^n dfs]{ \̂; ln=, sdnkf]v/Ldf k|fKt z]o/x¿ dfq ;fwf/)f;efcl# gfd;f/L bflvn vfl/h ul/g]% .

2_ ;Dk')f{ z]o/wgL dxfg"efjx¿nfO{ z]o/wgLsf] nutdf sfod /x]sf] ;DalGwt &]ufgfdf lx;fa ;lxtsf] jflif{s k|ltj]bg k"l:tsf k&fOg] % . ;efdf efu lng OR%"s z]o/wgL dxfg"efjx¿n] JolQmut &]ufgfdf k&fOPsf] ;'rgf ;fy ;+nUg k|j]z kqsf ;fy} z]o/ k|df)fkq / cfkm\gf] kl/ro v"Ng] k|df)f -h:t}M gful/stfsf] k|df)f kq jf cGo s"g} kl/rokq_ ;ef x"g] lbg clgjfo{ ?kdf ;fydf lnO{ cfpg"x"g cg"/f]w ul/G% .

3_ ;efdf efu lng] k|To]s z]o/wgL dxfg"efjn] ;ef x"g] :yfgdf pkl:yt eO{ Toxf“ /x]sf] xflh/L k"l:tsfdf b:tvt ug"{kg]{% . xflh/L k"l:tsf laxfg 9M30 ah]b]lv v"Nnf /xg]% .

4_ PseGbf a(L JolQmsf] gfddf ;+o"Qm ?kdf z]o/ btf{ /x]sf] cj:yfdf z]o/ nut lstfadf klxnf] gfd pNn]v ePsf] JolQm jf ;j{;Ddltaf^ k|ltlglw rog ul/Psf] Pshgfn] dfq ;efdf efu lng jf dtbfg ug{ ;Sg]%g\ .

5_ gfafns jf ljlIfKt z]o/wgLx¿sf] tkm{af^ a}+ssf] z]o/ nut lstfadf ;+/Ifssf] ?kdf btf{ eO/x]sf dxfg"efjx¿n] ;efdf efu lng jf dtbfg ug{ jf k|ltlglw -k|f]S;L_ k&fpg ;Sg"x"g]% .

6_ ;efdf efu lng jf dtbfg ug{sf nflu k|ltlglw -k|f]S;L_ lgo"Qm ug{ rfxg] z]o/wgLx¿n] ;f];DaGwL lgj]bg ;ef ;"? x"g"eGbf 48 #)^f klxn] s"df/L a}+s lnld ]̂*, b/jf/dfu{df btf{ u/fO{ ;Sg" kg]{% . o;/L k|ltlglw -k|f]S;L_ lgo"Qm ul/Psf] JolQm a}+ssf] z]o/wgL x"g" cfjZos % .

7_ k|ltlglw -k|f]S;L_ lgo"Qm ul/;Sg"ePsf] z]o/wgL cfkm+} ;efdf pkl:yt eO{ xflh/L lstfadf b:tvt ug"{ ePdf cl# lbOPsf] k|f]S;L :jtM ab/ x"g]% .

8_ Pshgf z]o/wgLn] PseGbf a(LnfO{ k|ltlglw -k|f]S;L_ d"s// u/]df k|ltlglw -k|f]S;L_ :jtM ab/ x"g]% t/ k|ltlglw -k|f]S;L_ lbg] z]o/wgLn] cfk'mn] cl# lbPsf] k|ltlglw -k|f]S;L_ ab/ u/]sf] Joxf]/f :ki^ pNn]v u/L %"§} lgj]bg lbO{ csf]{ z]o/wgLnfO{ k|ltlglw -k|f]S;L_ lgo"Qm u/]df To;/L lgo"Qm k|ltlglw -k|f]S;L_ n] ;efdf efu lng / dtbfg ug{ kfpg]% . o:tf] cj:yfdf cl#Nnf] k|ltlglw -k|f]S;L_ :jtM ab/ ePsf] dflgg]% .

9_ k|ltlglw d"s// ubf{ cfk\mgf] gfddf /x]sf ;Dk')f{ z]o/sf] k|ltlglw Ps} JolQmnfO{ ug"{ kb{% . PseGbf a(L JolQmnfO{ cfwf cfwf jf c? s"g} lsl;daf^ %" \̂ofP/ lbPdf pQm k|f]S;L ab/ ul/g]% .

10_ ;+:yfks ;d'xaf^ ;+rfns ;ldltdf k|ltlglwTj ug]{ kf“rhgf ;+rfnsx¿sf] lgjf{rg ;DaGwL hfgsf/Lsf] nflu sfof{no ;doleq a}+ssf] s]lGb|o sfof{no b/af/dfu{df ;Dks{ /fVg hfgsf/L u/fOG% .

11_ ;fwf/)f;ef;DjGwL yk hfgsf/L cfjZos ePdf sfof{no ;doleq a}+ssf] s]lGb|o sfof{no jf o; a}+ssf] z]o/ /lhi «̂f/sf] sfo{ ug]{ >L Pg= cfO{= l*= l;= Soflk^n dfs]{ \̂; ln=, sdnkf]v/Ldf ;Dks{ ug{ ;lsg] Joxf]/f hfgsf/L u/fOG% .

3



ljifoqmd

k[i7 g+=

! gjf}+ jflif{s ;fwf/0f;efsf] a}7s a:g]af/] ;"rgf !

@ ;fwf/0f;ef;DaGwL ;+lIfKt hfgsf/L @

! k|j]zkq tyf k|f]S;L f/fd %

$ ;~rfns ;ldltsf] jflif{s k|ltj]bg &

% cf= j= @)^%÷)^^ sf] n]vfk/LIfssf] k|ltj]bg !$

^ cf= j= @)^%÷)^^ sf] jf;nft !%

& cf= j= @)^%÷)^^ sf] gfkmf gf]S;fg lx;fa !^

* cf= j= @)^%÷)^^ sf] gfkmf gf]S;fg af“8kmf“6 lx;fa !&

( cf= j= @)^%÷)^^ sf] OSjL6Ldf ePsf] kl/jt{g;DaGwL ljj/0f !*

!) cf= j= @)^%÷)^^ sf] gub k|jfx ljj/0f !(

!! cf= j= @)^%÷)^^ sf cg';"rLx¿ @)

!@ n]vf;DaGwL dxŒjk"0f{ gLltx¿ $(

!# n]vf;DaGwL l6Kk0fLx¿ %@

!$ Basel II ;DaGwL ljj/0f %*

@% g]kfn /fi6« a}+ssf] lgb]{zg ^)

@^ k|aGwkqsf] k|:tfljt ;+zf]wg ^!

@& lgodfjnLsf] k|:tfljt ;+zf]wg ^@

@* l6Kk0fL ^$

4



5



cg';"rL @&bf &! sf] pkbf -#_ ;“u ;DalGwt

-k|f]S;L f/d_

>L ;~rfns ;ldlts'df/L a}+s lnld6]8b/af/dfu{, sf7df8f}+ .

ljifoM k|ltlglw lgo'Qm u/]sf]af/] .dxfzo,

=============================lhNnf==================================================d=g=kf=÷g=kf=÷uf=lj=;= j8f g+= ==========……========== a:g] d÷xfdL ===================================================================n] To; a}+ssf] z]o/wgLsf] x}l;otn] ldlt @)^^÷&÷@( ut] cfOtaf/sf lbg x'g] gjf}+ jflif{s ;fwf/0f ;efdf :jo+ pkl:yt eO{ 5nkmn tyf lg0f{odf ;xefuL x'g g;Sg] ePsfn] pQm ;efdf efu lng tyf dtbfg ug{sf nflu ============================lhNnf ================================d=g=kf=÷g=kf=÷uf=lj=;=j8f g+= =======a:g] To; sDkgLsf z]o/wgL >L ===================================================== -z]o/ k|df0fkq÷z]o/wgL g+======…======_ nfO{ d]/f]÷xfd|f] k|ltlglw dgf]lgt u/L k7fPsf] 5'÷5f}+ .

lgj]bssf]

b:tvtM gfdM 7]ufgfM z]o/ k|df0f kq g+=÷z]o/wgL g+= ……………………… lsQf g+= ………………… b]lv ………………… ;Dd hDdf z]o/ ;+VofM ldltMb|i6Jo Mof] lgj]bg ;fwf/0f;ef x'g'eGbf sDtLdf $* 306f cufj} a}+ssf] /lhi68{ sfof{nodf k]z u/L ;Sg'kg]{5 .

k|j]z kq

z]o/wgLsf] gfdM >L==================================================================z]o/ k|df0fkq g+=÷z]o/wgL g+= M………………………………z]o/ ;+VofM ……………………………s'df/L a}+s lnld6]8sf] gjf}+ jflif{s ;fwf/0f ;efdf pkl:yt x'g hf/L ul/Psf] k|j]z–kq .

=========================== ==========================z]o/wgLsf] x:tfIf/ sDkgL ;lrj

-;efdf efu lng cfp“bf of] k|j]z–kqdf gfd, b:tvt, z]o/sf] k|=k=g+=÷z]o/wgL g+= tyf s'n z]o/ ;+Vof pNn]v u/L ;fy} lnO{ cfpg' clgjfo{ 5 ._

6



7



s'df/L a}+s lnld6]8

gjf}+ jflif{s ;fwf/0f;efsf] nflu

;~rfns ;ldltsf] jflif{s k|ltj]bg

z]o/wgL dxfg'efjx¿,

s'df/L a}+s lnld6]8sf] gjf}+ jflif{s ;fwf/0f;efdf ;+rfns ;ldltsf tkm{af6 ;Dk"0f{ z]o/wgL dxfg'efjx¿nfO{ xflb{s :jfut ub{5f}+ . o; cj;/df oxf“x¿ ;dIf a}+ssf] cfly{s jif{ @)^%÷^^ sf] jflif{s k|ltj]bg k]z ug{ kfp“bf xfdLnfO{ cToGt v';L nfu]sf] 5 . o; a}+sn] cfkm\gf] :yfkgfsfnb]lv lg/Gt/ cfw'lgs a}+ls· k|ljlwsf] dfWodåf/f rf}tkmL{ k|utL ub}{ cfPsf] s'/f oxf“x¿nfO{ cjut} 5 . ljut gf} jif{sf] O{ltxf;df a}+sn] cfkm\gf] Joj;fo j[l4 ug{sf nflu rfn]sf ;sf/fTds sbdx¿n] oxf“x¿sf] a}+s ;Dk"0f{

;/f]sf/jfnfx¿dfem cem :t/Lo / nf]slk|o aGg k'u]sf] tYo xfdLx¿ ;fd' k|:6 5 .

!_ cfly{s jif{ @)^%.)^^ df a}+ssf] sfo{;Dkfbg ;ldIffM b]zdf ljBdfg nuftf/sf] /fhgLlts tyf cfly{s cl:y/tf / ahf/df a9\bf] k|lt:kwf{sf] afjh'b klg cfly{s jif{ @)^%÷)^^ df a}+sn] lgIf]k, shf{, d'gfkmf, ;]jf, ahf/ c+z cfbL If]qx¿df pNn]vgLo ;kmntf xfl;n u/]sf] s'/f hfgsf/L u/fpg kfp“bf xfdLnfO{ v';L nfu]sf] 5 . ;ldIFf cjlwdf a}+sn] xfl;n u/]sf] cfly{s k|utLsf] ;+lIfKt ?k/]vf lgDgadf]lhd k|:t't u/]sf 5f}+ .

?= bz nfvdf

ljj/0f

cf=j=

@)^%÷^^

cf=j=

@)^$÷^%

a9L÷-36L_

?= k|ltztdf

s'n ;DklQ !*,%#*=%^ !%,)@^=%( #,%!!=(& @#=#&

lgIf]k bfloTj !%,&!)=(# !@,&&$=@* @,(#^=^% @@=((

shf{, ;fk6L tyf clwljsif{ !$,&(%=@^ !!,%@@=#* #,@&@=** @*=$!

nufgL !,%$)=*# @,!($=!^ -^%#=##_ @(=&&

Aofh cfDbfgL !#&$=&@ (%&=@$ $!&=$* $#=^!

Aofh vr{ *!^=@) $(*=&# #!&=$& ^#=^^

v'b Aofh cfDbfgL %%*=%@ $%*=%! !))=)! @!=*!

cGo cfDbfgL !%&=*% !)*=!! $(=&$ $^=)!

cGo vr{ #)@=$* @#&=&! ^$=&& @&=@%

;+rfng gfkmf÷-gf]S;fg_ $!#=*( #@*=(! *$=(* @%=*$

v'b gfkmf÷-gf]S;fg_ @^!=$$ !&$=(# *^=%! $(=$%

-s_ sf/f]af/df ePsf] j[l4M ;ldIff cjlwsf] ljQLo ljj/0fnfO{ x]bf{ a}+ssf] sf/f]af/df lg/Gt/ j[l4 eO/x]sf] s'/f k|i6 b]lvG5 . o;/L sf/f]af/df ePsf] j[l4sf] sf/0f a}+ssf] jf;nftsf] cfsf/ ut cf=j=sf] t'ngfdf @#=#& k|ltztn] j[l4 e} k|:t't cf=j=df ?= !* ca{ %# s/f]8 *^ nfv k'u]sf] 5 . a}+ssf] cf7f}+ jflif{s ;fwf/0f;efaf6 z]o/wgL dxfg'efjx¿df ?=!&=&( s/f]8sf] xsk|b z]o/ tyf ?= !)=&* s/f]8sf] af]g; z]o/ hf/L ug]{ lg0f{o ePsf]df af]g; z]o/nfO{ cfly{s jif{ @)^%÷)^^ df sfof{Gjog u/L af]g; z]o/ afktsf] /sd k'“hLs/0f e} jf;nftsf] cfsf/df j[l4 ePsf] 5 eg] xsk|b z]o/sf] xsdf a}+s Joj:yfkgdf

Pskl5 csf]{ kl/jt{g / ljleGg k|fljlws sf/0fx¿n] ubf{ oyf;dodf hf/L ug{ g;lsPtf klg pQm z]o/ hf/L ug]{ k|lqmofx¿

8



clGtd r/0fdf /x]sf]n] pQm xsk|b z]o/afkt k|fKt x'g] /sd ;d]t o;} cfly{s jif{df k'“hLs/0f e} ;Sg] Joxf]/f cjut u/fpg rfxfG5f}+ . pQm xsk|b z]o/ / xfn k|:tfljt af]g; z]o/ hf/LkZrft a}+ssf] s'n r'Qmf k'“hL ?= ! ca{ $* s/f]8 $! nfv

)( xhf/ x'g]5 .

-v_ lgIf]kM ljut cf=j=sf] t'ngfdf ;ldIff cjlwdf lgIf]ktkm{ @@=(( k|ltztn] j[l4 x'g uO{ s'n lgIf]k ?= !% ca{ &! s/f]8 )( nfv k'Ug uPsf] 5 . ljut kf“r aif{sf] a}+ssf] lgIf]ktkm{sf] t'ngfTds l:ylt lgDgcg';f/ /x]sf] 5 .

?= bz nfvdf

-u_ shf{, ;fk6 tyf clwljsif{ M lgIf]kdf j[l4 ePkl5 a}+sn] ;f]xL cg'kftdf nufgL tkm{ klg j[l4 ug{'kg]{ ePsf]n] cfly{s jif{ )^$÷)^% df a}+sn] u/]sf] shf{ k|jfxsf] /sddf cfly{s jif{ @)^%÷)^^ sf] cGTo ;Dddf @*=$! k|ltztn] j[l4 u/L ?= !$ ca{ &( s/f]8 %@ nfv k'¥ofOPsf] 5 . a}+sn] cToGt ;fjwfgLk"j{s hf]lvdsf] d"Nof°g ub}{ nufgL tkm{sf] hf]lvd Go"g ug]{ gLlt lnPsf] sf/0f Non Performing Assets (NPA) sf] :t/nfO{ a}ls· If]qs} Go"g ljGb'df /fVg ;Ifd ePsf] 5 . k|:t't cfly{s jif{ @)^%÷)^^ df a}+ssf] v/fa shf{sf] cg'kft )=$$ k|ltzt dfq /x]sf] 5 . ljut % aif{sf] a}+ssf] shf{ tyf clwljsif{sf]

t'ngfTds l:ylt lgDgcg';f/ /x]sf] 5 .

?= bz nfvdf

-3_ nufgL M ;Gt'lnt t/ntf sfod ub}{ ;du| ;|f]taf6 k|ltkmn cfh{g ug]{ a}+ssf] p2]Zocg'?k g]kfn ;/sf/ tyf g]kfn /fi6« a}+såf/f lgisfl;t hf]lvd/lxt ;DklQ -6«]h/L ljn, 6«]h/L jf]08, /fli6«o jrtkq cfbL_ df a}+sn] nufgL ug] { gLltnfO{ lg/Gt/tf lbPsf] 5 . o;sf] cltl/Qm a} +sn] cToGt ;fjwflgk"j{s :yfgLo tyf cGt/f{li6«o d'b|f

9



ahf/df / ljleGg ;+:yfx¿sf] z]o/ / C0fkqx¿df klg nufgL ub}{ cfPsf] 5 . cfly{s jif{ )^%÷)^^ sf] cGTo ;Dddf s'n nufgLsf] /sd ?= ! ca{ %$ s/f]8 k'Ug uPsf] 5 .

-ª_ d'gfkmf M cfly{s jif{ )^%÷)^^ df a}+ssf] s'n ;+rfng cfDbfgL $#=*^ k|ltztn] j[l4 eO{ ?= ! cj{ %# s/f]8 @^ nfv ePsf] 5 eg] s'n ;+rfng vr{ %!=() k|ltztn] j[l4 x'g uO{ ?= ! ca{ !! s/f]8 *& nfv k'u]sf]] 5 . a}+sn] af]g; z]o/ hf/L u/]kl5 cfkm"n] /fVg' kg]{ k'“hLsf] :t/nfO{ sfod ug{ ;kmn eO{ k|:t't cfly{s jif{df ;+rfng d'gfkmf ?= $! s/f]8 #( nfv tyf v'b d'gfkmf ?= @^ s/f]8 !$ nfv sfod x'g ;s]sf] 5 .

-r_ k'“hL Joj:yfkgM ;ldIff cjlwdf a}+ssf] k'“hL Joj:yfkg cToGt ;Gtf]ifhgs /x]sf] 5 . a}+sn] ;ldIff cjlwdf af]g; z]o/ hf/L u/]kl5 k|fylds k'“hL ?= ! ca{ ^! s/f]8 tyf k"/s k'“hL ?= $# s/f]8 *! nfv u/L s'n k'“hL ?=@ ca{ % s/f]8 sfod /xg uPsf]] 5 . ;fy} clgjfo{ k'“hL sf]ifsf] cg'kft Gf]kfn /fi6« a}+sn] !) k|ltzt tf]s]sf]df a+}sn] cfly{s jif{ @)^%÷)^^ sf] cGTodf !!=%^ k|ltzt sfod ug{ ;kmn ePsf]] 5 . o;af6 a}+sn] cfufdL jif{x¿df jf;nftsf] cfsf/nfO{ cem j[l4 u/L k|ltkmn ;d]t j[l4 ug{ d2t k'Ug] ljZjf; lnOPsf] 5 .

-5_ ;/sf/L /fhZjdf of]ubfgM a}+sn] cfly{s jif{ @)^$÷)^% df g]kfn ;/sf/nfO{ ?= !) s/f]8 @) nfv ;+:yfut s/ lt/]sf]df ;ldIff cjlwdf a}+ssf] cfDbfgLdf j[l4 x'g uO{ /m= !! s/f]8 #& nfv ;+:yfut s/ k]ZsLsf] ?kdf e'QmfgL u/L;s]sf] 5 .

-h_ pTkfbg tyf ;]jf M :yfkgfsfnb]lv g} o; a}+sn] ljljw k|sf/sf gjLgtd Pj+ cfw'lgs pTkfbg / ;]jf k|bfg ub}{ cfPsf] s'/f ;j{ljlbt} 5 . a}+sn] cfk"mn] k|bfg ug]{ ;]jfdf cfw'lgs k|ljlwsf] k|of]uaf6 k'“hL ahf/df ljlzi6 :yfg agfpg ;kmn ePsf] 5 . cfkm\gf u|fxsx¿nfO{ cfkm\gf] pTkfbg / ;]jf ;xh / ;/n ?kdf k'¥ofpgsf nflu lg/Gt/ k|oTgzLn /x]sf] 5, h;n] ubf{ cfkm\gf u|fxsx¿nfO{ jt{dfg k|lt:kwL{ ahf/df nfe x'g] u/L cfjZostf cg';f/sf] ;]jf k|bfg ub}{ cfPsf] 5 . xfd|f pTkfbg / ;]jfsf If]qx¿ cGtu{t xfn z}lIfs shf{, j}b]lzs Jofkf/, xfOa|L8 nf]g, lgIf]k, ljk|]if0f ;]jf nufot ljljw k|sf/sf cGo ;]jfx¿ ;d]t /x]sf 5g\ . pkef]Qmf ahf/df cfPsf] kl/jlt{t k|j[lQn] ubf{ Visa Electron Debit Card, Internet Banking,

SMS Banking h:tf xfd|f pTkfbgx¿ cToGt nf]slk|o ePsf 5g\ . xfd|f Visa Electron, 8n/ 8]la6 sf8{x¿ g]kfn, ef/t / ;+;f/ el/ g} VISA sf] hfnf] dfkm{t kx'“ruDo ePsf 5g\ . o;sf ;fy} a}+sn] ljk|]if0f ;]jfnfO{ u|fxsx¿sf] cfjZostf cg'?k l56f] / ;/n agfpgsf nflu a}+ssf] cfkm\g} Kumari Remit gfds Software ;+rfngdf Nofpg'sf ;fy} cGo ljk|]if0f ;]jf k|bfos sDkgL;“u ;Demf}tf u/L k|efjsf/L ;]jf k'¥ofp“b} cfPsf] 5 . cfp“bf lbgx¿df klg gof“gof“ k|ljlwo'Qm pTkfbg / ;]jf nfu' ub}{ cl3 a9\g] s'/fnfO{ a}+sn] hf/L /fVg] 5 .

-´_ zfvf lj:tf/M d'n'ssf] cy{tGqdf ;xefuL x'gsf nflu cfkm\gf] ahf/nfO{ lj:tf/ ug]{ qmddf a}+sn] cfkm\gf] zfvf lj:tf/ ug]{ sfo{nfO{ lg/Gt/tf lb+b} cfPsf] 5, o;} qmddf ;ldIFf jif{ / rfn' cf=j=df u/L # j6f zfvf ;+rfng u/L sfo{ ;'? ul/;s]sf] / yk !! j6f zfvfx¿ ;+rfngdf Nofpg] nIo lnPsf] 5 . o;kl5 a}+ssf] xfn ;+rfng eO/x]sf] zfvf ;+Vof !( af6 pQm :yfgx¿df zfvf ;+rfng ePkl5 s'n #) j6f zfvf sfof{no k'Ug]5 . dfgj ;+rflnt o:tf zfvfx¿sf] cnfjf :jrflnt 6]n/ d]l;g -ATM_ sf] dfWodaf6 ;d]t lj:tfl/t ;]jfx¿ k|bfg ug{sf] nflu xfn;Dddf d'n'ssf ljleGg :yfgdf @! j6f ATM ;+rfngdf NofO{ ;lsPsf] 5 eg] cfufdL lbgx¿df klg cfjZostfcg';f/ yk ub}{ nlug] 5 .

-`_ ;+:yfut ;'zf;gM a}+s tyf ljQLo ;+:yfx¿ z]o/wgLsf] /sdaf6 dfq ;+rfng geO{ ;+:yfut tyf ;j{;fwf/0fsf] lgIf]kaf6 ;d]t ;+rflnt x'g] ;fj{hlgs ;+:yf x'g\ eGg] s'/f xfdLn] la;{g' x'+b}g . o; cy{df a}+sdf g}lts cfr/0f / ;+:yfut ;'zf;g -Corporate Governance) cToGt ;+j]bgzLn ?kdf /x]sf] Psf l;Ssfsf] b'O{ kf6f ;/x x'g\ . pQm s'/fnfO{ xfdLn] ;bf dWogh/df /fvL k|lta4tfsf ;fy sfo{ ub}{ cfO/fv]sf 5f}+ . ;+:yfut ;'zf;g g} a}+ssf] k|zf;lgs sfd sf/jfxLsf] dfu{bz{ssf] ?kdf /x]sf]tkm{ ;r]t x'“b} ;f]xLcg'?k ;+rfns ;ldltsf sfd sf/jfxLx¿ cufl8 a9fpg] / a}+ssf cGo ;a} lqmofsnfkx¿df ;d]t alnof] Pj+ kf/bzL{ ;+:yfut ;'zf;gsf] ljsf; ug{ / ;f]sf] cg'e"tL u/fpg ;+rfns ;ldlt lg/Gt/ lqmofzLn /x]sf] 5 . rfn' cfly{s jif{df emg pQm s'/fnfO{ cToGt} k|fyldstfsf ;fy klxnf] zt{sf] ?kdf /xg] u/L Joj:yfkgdf a}+ls· If]qs} s'zn Joj:yfks sxlng'ePsf Pj+ g]kfn a}+s;{ P;f]l;o;gsf] cWoIf h:tf] ul/dfdo kb ;DxfnL ;Sg'ePsf a}+s ckm sf7df08'sf] lgjt{dfg k|aGws ;+rfns >L /fw]z kGtnfO{ o; a}+ssf] Joj:yfksLo lhDd]jf/L ;'Dkg xfdL ;kmn ePsf 5f}+ . kGthLsf] gof“ g]t[Tjn] o; a}+snfO{ k|lt:kwL{x¿sf] bf“hf]df rf}tkmL ljsf; u/L z]o/wgLx¿nfO{ pRr k|ltkmn lbg / ;+:yfut ;'zf;g dfq

geO{ a}+ssf] ;+u7gfTds ;+/rgf, a}+sdf k|of]u x'g] gLlt, lgodnfO{ s8fO{sf ;fy kfngf ug{ / x/]s lg0f{o k|lqmofnfO{ :ki6,

hjfkmb]xL / kf/zL{ agfpg] s'/fdf xfdL ljZj:t 5f}+ .

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-6_ hf]lvd Joj:yfkgM ef]lnsf lbgdf x'g] ;Defljt hf]lvdaf6 a}+snfO{ arfpgsf nflu 5'§} hf]lvd Joj:yfkg ljefusf] Joj:yf ug'{sf ;fy} ljleGg pk;ldltx¿ agfOPsf 5g\ . a}+ls· sf/f]af/sf ;DaGwdf cfPsf / cfpg] ;Defjgf ePsf c;+Vo hf]lvdx¿sf] Joj:yfkg / Go"gLs/0fsf nflu gLlt lgdf{0f u/L lgb]{lzsf ;d]t agfOPsf] 5 .

@_ /fli6«o cy{tGqsf] k'g/fjnf]sgM vf; u/L ljZj /fhlgtLnfO{ g} cfkm\gf] s]Gb| ljGb'df /fVg ;kmn cd]l/sfh:tf] zlQmzfnL /fi6«af6 ;'? ePsf] ljZj cfly{s dGbLsf] rk]6fdf ljZjsf w]/} ;DkGg /fi6«x¿ ;d]t c5'tf] /xg ;s]gg\ . tyfkL tL /fi6«x¿n] ckgfPsf] ljz]if pkfox¿sf sf/0f ljZjJofkL ljQLo Joj:yf k"0f{?kdf w/fzoL x'gaf6 aRof] . s'g} g s'g} ?kn] ;f]sf] k|efj ljsf;f]Gd'v d'nsx¿df ;d]t kg{ uof] . kmn:j?k g]kfnh:tf] cGt/f{li6«o ahf/df kx'“r e} g;s]sf] /fi6«nfO{ ;d]t g]kfnL >d a]r]/ cfkm\gf] cy{tGq wfGg afWo o; d'n'sn] s]xL g s]xL ljZj dGbLsf] k|efj v]Kg} k¥of] . s}of}+ g]kfnLx¿ cfkm\gf] gf]s/L u'dfP/ 3/ kms{g afWo eP eg] sltn] Go"g Hofnfdf cfkm\gf] >d a]Rg] wf]sf] ;kgfd} l;ldt /fv] . of] l:ylt lg/Gt/ /lx/x\of] eg] g]kfnsf] k|d'v cfo ;|f]t dWo]sf] ljk|]if0fdf dfq wSsf glbO{ lgof{t, cfoft, ko{6g tyf afx\o ;xof]u h:tf If]qx¿df ;d]t o;sf] c;/ kg{ hfg] cjZofDefjL 5 .

;ldIff cjlwdf g]kfnsf] s'n u|fx:y pTkfbg # k|ltztsf] xf/fxf/Ldf /x]sf] cg'dfg ul/Psf] 5 eg] cfufdL jif{ #=% k|ltzt x'g] cg'dfg /x]sf] 5 . lg/Gt/sf] /fhgLlts cGof]n, zflGt;'/Iffdf cfPsf] lbgfg'lbgsf] x|f;, aGbx8\tfnd} /dfpg] ;+:sf/, ljB't k|jfxdf ePsf] a9\bf] nf]8;]l8ª h:tf gsf/fTds k|efjn] cfly{s ultljlwn] ult lng] ;+s]t cem} cfsfzsf] kmn x'g uPsf] 5 .

;ldIff cjlwdf ljZj cy{tGqdf cfly{s dGbL cfP klg g]kfnsf] cy{tGqdf eg] To;sf] vf;} 7"nf] k|efj b]lvPg . ;ldIff cjlwdf b]zsf] cfly{s j[l4 cl3Nnf] cf=j= sf] t'ngfdf ;sf/fTds /x]sf] 5 . ;ldIff cjlwdf s'n u|fx:y pTkfbgsf] j[l4 pTkfbs d"Nodf cl3Nnf] jif{ %=# k|ltzt /x]sf]df cfly{s jif{ @)^%÷^^ df #=* k|ltzt /x]sf] cg'dfg 5 . s'n ufx{:Yo pTkfbgdf #^ k|ltzt of]ubfg /x]sf] s[lif If]qsf] pTkfbgdf @=@ k|ltzt dfq j[l4 ePsf] 5 . cfly{s jif{ @)^$÷^% df s[lif If]qsf] pTkfbg j[l4 %=# k|ltzt /x]sf] lyof] .

cfly{s jif{ @)^%÷^^ df s'n lgof{t !#=% k|ltztn] j[l4 ePsf] 5 h'g cl3Nnf] jif{ )=@ k|ltztn] 36]sf] lyof] . ;fy} cfly{s jif{ @)^$÷^% df !$ k|ltztn] a9]sf] cfoft ;ldIff cjlwdf @*=@ k|ltztn] a9]sf] 5 . ljb]zdf sfd ug]{ g]kfnLx¿n] k7fPsf] ljk|]if0f /sddf pNn]Vo j[l4 tyf j}b]lzs ;xfotfsf sf/0f d'n'ssf] zf]wgfGt/ jrt pNn]Vo j[l4 eO{ cfly{s jif{ @)^%÷^^ df s'n ljb]zL ljlgdo ;l~rlt ¿= @*) ca{ cyf{t\ kl5Nnf] jif{sf] t'nfgfdf #!=& k|ltztn] j[l4 ePsf]] 5 .

cfly{s jif{ @)^%÷^^ df g]kfn ;/sf/sf] s'n vr{ #@ k|ltztn] j[l4 eO{ ¿= !(* ca{ k'u]sf] 5 h'g cl3Nnf] jif{ !(=& k|ltztn] dfq a9]sf] lyof] . cfly{s jif{ @)^%÷^^ df g]kfn ;/sf/sf] ah]6 3f6f !^=# k|ltztn] a9]/ ¿= @^ ca{ @ s/f]8 /x]sf] 5 . cf};t jflif{s pkef]Qmf d"No j[l4 cl3Nnf] jif{ &=& k|ltztsf] t'ngfdf ;ldIff jif{df !#=@ k|ltzt /x]sf] 5 .

;ldIff cjlwdf a}ls· If]qtkm{ ;+Vof tyf sf/f]af/sf lx;fadf pNn]Vo ?kdf j[l4 ePsf] 5 . gof“ a}+ssf] :yfkgf;“u} a}ls· If]qdf k|lt:kwf{ klg a9]sf] 5 . cf=j= @)^$÷^% df @% j6f jfl0fHo a+}sx¿ /x]sf]df ;ldIff cjlw ;Dddf ;f] ;+Vof @^ k'u]sf] 5 . To;}u/L ljsf; a}+s, ljQ sDkgL tyf g]kfn /fi6« a}+saf6 :jLs[tLk|fKt ‘3’ ju{sf ljQLo ;+:yfx¿sf] ;+Vof qmdz ^#, && / &^ /x]sf] 5 . ;fy} g]kfn /fi6« a}+saf6 k|sflzt cf+s8fcg';f/ jfl0fHo a}+sx¿sf] s'n lgIf]k kl/rfng of] jif{ #)=$ k|ltztn] j[l4 eO{ ?= %$( ca{ *) s/f]8 k'u]sf] 5 .

#= ;+rfns ;ldltåf/f ul7t pk;ldltx¿M k|rlnt sfg"g tyf a}+sn] clVtof/ u/]sf] gLltnfO{ d"t{?k k|bfg ug{sf nflu b]xfodf plNnlvt sfo{ ug{ b]xfo adf]lhdsf ;ldlt tyf pk;ldltx¿ sfod /x]sf 5g\ .

-s_ n]vfk/LIf0f ;ldlt M– o; ;ldltn] lgoldt ?kdf ;Dkfbg ug{'kg]{ sfdsf] cltl/Qm sfg"g adf]lhd ug{'kg]{ n]vfk/LIfssf] lgo'QmLsf nflu l;kmfl/; / ;ldIFf ug]{, a}+ssf] cfGtl/s n]vfk/LIf0fsf] sfo{If]q lgwf{/0f ug]{, cfGtl/s, af!o tyf s]lGb|o a}+saf6 ePsf] n]vfk/LIf0fsf] l;nl;nfdf k|fKt ePsf s}lkmotx¿sf] ;ldIff ug]{ / ;Dk"0f{ a}ls· Joj:yfkgsf] k|efjsfl/tf eP gePsf] s'/fsf] hf“r ug]{ ub{5 . a}+ssf] cfGtl/s n]vfk/LIf0f ljefun] a}+ssf] ljleGg ljefux¿sf] sfd sf/jfxL ;DaGwdf b]lvPsf s}lkmotx¿ cfjflws ¿kdf ;f]em} o;} ;ldltnfO{ k|ltj]bg ub{5 . xfn n]vfk/LIf0f ;ldltdf # hgf u}/sfo{sf/L ;+rfns >L Zofd;g h=a=/f0ff -;+of]hs_, >L hubLz k|;fb rf}w/L / 8f= >L zf]efsfGt 9sfn /xg'ePsf] 5 .

-v_ dfgj;|f]t pk;ldlt M– ;+:yfsf] d]?b08sf] ?kdf /x]sf] dfgj;|f]tnfO{ ;Ifd / k|efjsf/L 9+un] kl/rfng u/L k|lt:kwf{ / u'0f:t/Lo ;]jf k|bfg ug{sf] nflu pgLx¿sf] dgf]an ;w}+ pRr kfg{' ckl/xfo{ 5 . s'g} klg ;+u7g cfkm\gf sd{rf/Lx¿sf] ;xof]u / k|ltjåtfljgf k|ult ug{ ;Sb}g . t;y{ ;Ifd sd{rf/Lx¿ 5gf]6, egf{, lgo'QmL, j[lQ ljsf; / ;]jf lgj[QLe/0f h:tf ;+j]bgzLn ljifox¿df Joj:yfkgnfO{ dfu{ lgb]{zg ug{ tLghgf u}/ sfo{sf/L ;+rfnsx¿ 8f= >L zf]efsfGt 9sfn -;+of]hs_,

11



>L cld/ k|tfk h=a=/f0ff / >L ;fG6' >]i7 /xg'ePsf] Ps dfgj;|f]t pk;ldlt u7g ul/Psf] 5 .

-u_ sfo{ ;Dkfbg pk;ldlt M– a}+ssf] shf{ nufgL tyf cGo a}+ls· ;'ljwf;DaGwL Joj:yfnfO{ l56f] 5l/tf] / k|efjsf/L ?kdf ;Dkfbg ug{ ;+rfns >L ;fG6' >]i7sf] ;+of]hsTjdf ;+rfns >L /;]Gb| axfb'/ dNn / k|d'v sfo{sf/L clws[t /x]sf] tLg ;b:oLo sfo{ ;Dkfbg pk;ldlt /x]sf] 5 . pQm pk;ldltn] ug]{ sfd, st{Jo / clwsf/ tyf clVtof/Lsf] l;df;d]t lgwf{/0f u/L ;f]sf] 5'§} sfo{ljlw;d]t th'{df u/L nfu' ul/Psf] 5 .

;~rfns ;ldltaf6 u7g ul/Psf plNnlvt pk–;ldltsf ;+of]hs tyf ;b:ox¿nfO{ a}7s eQfafx]s cGo s'g} klg cltl/Qm kfl/>lds tyf ;'ljwfx¿ k|bfg ul/Psf] 5}g .

$= Joj:yfkg txsf cGo ;ldlt M ;+rfns ;ldltåf/f ul7t pk/f]Qm ;ldlt tyf pk–;ldltx¿ afx]s a}+ssf] sfd sf/jfxLnfO{ k|efjsf/L ?kdf ;Dkfbg ug{ Joj:yfkg txdf k|d'v sfo{sf/L clws[tsf] ;+of]hsTjdf Joj:yfkg ;ldlt, ;DklQ tyf bfloTj Joj:yfkg ;ldlt, la8 sldl6, >d ;DaGw ;ldlt, v/fa shf{ c;'nL ;ldlt, cg'zf;g tyf k/km/d]G; l/Eo' sldl6 lqmofzLn /x]sf 5g\ .

%= dfgj ;+zfwg M a}+sdf sfo{/t hgzlQmnfO{ tflnd k|bfg ug]{ / sd{rf/L egf{ ubf{ /fd|f] of]Uotf / Jofj;flos Ifdtf ePsf JolQmx¿nfO{ lgo'Qm ug]{ a}+ssf] sd{rf/L;DaGwL gLlt /x]sf] 5 . a}+sn] ljBdfg hgzlQmsf] bIftfnfO{ clej[l4 ug]{ / gof“gof“ lzk l;sfpg]tkm{ cfkm\gf] Wofg s]lGb|t u/]sf] 5, h;n] ubf{ cfufdL lbgdf ;d]t a}+ssf] hf]lvd / k|ltkmnsf] aLrdf ;Gt'ng /xg] s'/fdf xfdL ljZj:t 5f}+ . a}+sn] sd{rf/L k|zf;gnfO{ k|efjsf/L agfpgsf nflu ljBdfg sd{rf/L ;]jf zt{ ljlgodfjnL, @)^$ nfO{ ;do ;fk]If ;+zf]wg tyf kl/dfh{g ug]{ sfo{x¿ u/]sf] 5 . To;}u/L a}+ssf] sd{rf/L ;+u7g ;+/rgfnfO{ ;dofg';f/ k'g/fjnf]sg u/L gof“ sd{rf/L ;+u7g ;+/rgfnfO{ sfof{Gjogdf NofO{ sd{rf/L k|zf;gsf] sfd sf/jfxLnfO{ k|efjsf/L agfpg] sfd ul/Psf] 5 .

;ldIff cjlwdf xfd|f sd{rf/Lx¿ ljljw k|sf/sf v]ns'b tyf ;fdflhs ultljlwdf ;d]t ;xefuL x'“b} cfPsf 5g\ .

^= rfn' cfly{s jif{sf] sf/f]af/sf] ;+lIfKt emnsM g]kfn /fi6« a}+sn] k|sflzt u/]sf] cf+s8fcg';f/ @)^^ cflZjg d;fGt;Dddf g]kfndf @^ j6f æsÆ ju{sf] afl0fHo a}+sx¿, ^# j6f ævÆ ju{sf] ljsf; a}+sx¿, && j6f æuÆ ju{sf] ljQ sDkgLx¿ / &^ j6f æ3Æ ju{sf] n3'ljQ sDkgLx¿ dfkm{t a}+ls· tyf ljQLo sf/f]af/ eO{ cfPsf] b]lvG5 . a}+s tyf ljQLo ;+:yfx¿sf] pQm cf+s8fsf cfwf/df x]g]{ xf] eg] l;ldt cfly{s cj;/x¿ dfq ePsf] xfd|f] h:tf] ;fgf] e'kl/j]li7t d'n'sdf a}ls· tyf ljQLo sf/f]af/ ;DaGwL ;]jf cToGt} k|lt:kwf{Tds / r'gf}tLk"0f{ /x]sf] 5 eGg] s'/fnfO{ gsfg{ ;lsGg . o:tf] k|lt:kwf{ / r'gf}tLk"0f{ cj;/sf afjh'b xfdLn] rfn' cfly{s jif{sf] # dlxgfsf] cjlwdf xfl;n u/]sf] ljj/0fnfO{ lgDgadf]lhd k|:t't u/]sf 5f+} .

?= xhf/dfljj/0f cf=j= @)^%÷^^

sf] k|yd # dlxgf

cf=j= @)^^÷^&

sf] k|yd # dlxgf

j[l4 k|ltzt

shf{, ;fk6L tyf clwljsif{ !,@$,(#,(&& !,$^,%$,*@* !&=@(Aofh cfDbfgL #^(,))& $,**,$^# #@=#&cGo cfDbfgL #%,#(( #&,$%# %=*)Aofh vr{ @%(,^(# #,@),#%* @#=#^cGo vr{ %&,^!* *%,*$) $*=(*;+rfng gfkmf / -gf]S;fg_ *&,)(% !,!(,&!* #&=$^

&= rfn' jif{sf] sfo{qmdM cfly{s jif{ @)^(÷&) leq a}+ssf] k'“hL ?=@ ca{ k'¥ofpg' kg]{ g]kfn /fi6« a}+ssf] lgb]{zgcg';f/ a}+s Joj:yfkgn] ;+rfns ;ldltdf k]z u/]sf] kf“r jif]{ k'“hL of]hgfsf af/]df kof{Kt 5nkmn u/L ;ldIff cjlwdf a}+ssf] r'Qmf k'“hLsf] cfsf/df j[l4 ug{ pko'Qm x'g]b]lv z]o/wgLx¿nfO{ gub nfef+zsf] ;§f v'b b; k|ltzt af]g; z]o/ lbg :jLs[ltsf nflu cfh}sf] ;fwf/0f;efdf ljz]if k|:tfj k]z u/]sf 5f+} . z]o/wgL dxfg'efjx¿n] To;df 5nkmn u/L k|:tfljt af]g; z]o/ :jLs[t ug'{x'g]5 eGg] cfzf lnPsf 5f}+ .

g]kfn /fi6« a}+sn] ljBdfg ;+:yfks z]o/wgLdf /x]sf] z]o/ :jfldTjnfO{ %! k|ltzt sfod ug{ ;lsg] k/Lkq hf/L u/]cg'?k o; a}+ssf] ;+:yfks z]o/wgLx¿df xfn sfod /x]sf] ;Q/L k|ltzt z]o/ :jfldTjaf6 36fO{ PsfpGg k|ltzt sfod ug{] / af“sL

12



;j{;fw/0f z]o/df kl/0ft u/L ;f] cg';f/ ;+rfns ;ldltsf] ;+/rgfdf ;d]t km]/abn ug{sf nflu a+}ssf] ljBdfg k|aGwkq tyf lgodfjnLdf /x]sf] To;;DaGwL k|fjwfgnfO{ ;+;f]wg ug{;d]t l;kmfl/; u/]sf 5f}+ . ;~rfns ;ldltsf] pQm l;kmfl/; ;fwf/0f ;efaf6 :jLs[t tyf cg'df]bg ePkl5 g]kfn /fi6« a}+s, sDkgL /lhi6«f/sf] sfof{no, lwtf]kq af]8{ nufotsf lgodg lgsfox¿af6 :jLs[lt lnO{ ;+:yfks z]o/wgLsf] z]o/ :jfldTj %! k|ltzt / ;j{;fw/0f ;d"xsf] $( k|ltzt sfod u/L ;f]nfO{ sfof{Gjog ul/g] 5 .

*= ;+rfns ;ldltdf ePsf] x]/km]/M ;ldIff cjlwdf ;j{;fwf/0f z]o/wgLx¿sf] tkm{af6 k|ltlglwTj ug]{ ;+rfnsx¿ >L nlnt h+u zfxL / >L ;'/]Gb| axfb'/ v8\sfsf] :yfgdf o; a}+ssf] cf7f}+ jflif{s ;fwf/0f ;efn] 8f= >L zf]efsfGt 9sfn / >L /;]Gb| axfb'/ dNnnfO{ lgjf{lrt u/]sf] Joxf]/f oxf“x¿nfO{ cjut} 5 . lgjt{dfg ;+rfns >L zfxL / >L v8\sfn] pxf“x¿sf] sfo{sfndf k'¥ofpg'ePsf] ;]jfk|lt xflb{s wGojfb 1fkg ub}{ gj lgjf{lrt ;+rfnsåo 8f= >L 9sfn / >L dNnnfO{ xflb{s :jfut ub}{ lghx¿sf] sfo{sfndf a}+sn] cem k|ultsf] dfu{df cufl8 a9\g] ck]Iff u/]sf 5f}+ .

(= nfef+z af“8kmf“6 ug{ l;kmfl/; ul/Psf] /sdM ldlt @)^^÷)^÷!* ut] a;]sf] ;~rfns ;ldltsf] a}7sn] cf=j=)^%÷^^ ;Ddsf] v'b d'gfkmf /sdaf6 z]o/wgLx¿nfO{ !) k|ltztsf] af]g; z]o/ tyf )=%^ k|ltzt gub nfef+zdf sfg'g adf]lhd ;|f]tdf s/ s§f u/L sfod /x]sf z]o/wgLx¿nfO{ b; z]o/ a/fa/sf] Ps z]o/ cyf{t\ !)M! cg'kftdf v'b !) k|ltzt af]g; z]o/ ljt/0f ug{ z]o/wgLx¿;dIf l;kmfl/; ug]{ lg0f{o u/]sf]df pQm l;kmfl/;nfO{ g]kfn /fi6« a}+saf6 ldlt @)^^÷^÷#) df :jLs[t u/]sf] x'“bf ;f]sf] nflu ?=!@%,$@),$&@÷– 5'6\ofOPsf] 5 . k|:tfljt gub nfef+z tyf af]g; z]o/ hf/L ug]{ ljz]if k|:tfj o;} ;efdf 5'§} k|:tfjsf] ?kdf k]z ul/Psf] x'“bf oxf“x¿af6 ;f]sf] ;dy{g x'g]5 eGg] ljZjf; lnPsf 5f}+ .

!)= n]vfk/LIf0f k|ltj]bgdf ;+rfns ;ldltsf] k|ltlqmof M a}+ssf] lgoldt sf/f]af/sf] l;nl;nfdf b]lvPsf ;fdfGo l6Kk0fLafx]s vf; k|lts'n l6Kk0fL n]vfk/LIf0f k|ltj]bgdf b]lvPsf] 5}g . n]vfk/LIfsn] lbPsf] ;'emfj tyf ;NnfxnfO{ sfof{Gjog ug{ Joj:yfkgnfO{ lgb]{zg;d]t lbOPsf] 5 . a}+ssf] cf=j=)^%÷^^ sf] ljQLo ljj/0f g]kfn /fi6« a}+saf6 ldlt @)^^÷^÷#) df :jLs[t x'“bf k|fKt l6Kk0fL tyf lgb{]zgx¿ jflif{s k|ltj]bg k'l:tsfdf ;+nUg u/]sf 5f}+ .

!!= hkmt ul/Psf] z]o/ ;+VofM k|ltj]bgsf] cjlwdf z]o/ hkmt ul/Psf] 5}g .

!@= a}+s / o;sf] ;xfos sDkgLn] u/]sf] k|ultM a}+sn] u/]sf] k|ultsf af/]df o;} k|ltj]bgsf] ljleGg a'“bfx¿df k|:t't ul/;s]sf 5f}+ . a}+ssf] s'g} klg ;xfos sDkgL 5}g .

!#= a}+ssf cfwf/e"t z]o/wgLn] pknAw u/fPsf] hfgsf/L M s]xL gePsf] .

!$= a}+s;“u ;DalGwt ;Demf}tfx¿df s'g} ;+rfns tyf lghsf cfkmGtsf] JolQmut :jfy{;DaGwL hfgsf/L M s]xL gePsf] .

!%= k'gv{l/b ul/Psf z]o/x¿sf] ljj/0f M ;f] gePsf] .

!^= a}+ssf] s'n Joj:yfkg vr{;DaGwL ljj/0fM a}+ssf] cf=j=)^%÷^^ sf] Joj:yfkg vr{sf] ljj/0f b]xfoadf]lhd /x]sf] 5 M –

sd{rf/L vr{ ?= !!%,(*$,(!(÷–

cGo ;~rfng vr{ ?= !*^,%)@,!^)÷–

a}+ssf] s'n Joj:yfkg vr{sf] lj:t[t ljj/0f a}+ssf] jflif{s ljj/0fsf] cg';"lr $=@# / $=@$ df pNn]v ul/Psf] 5 .

!&= ;+rfns, k|aGw ;+rfns, sfo{sf/L k|d'v, a}+ssf cfwf/e"t z]o/wgL jf lghsf] glhssf gft]bf/ jf lgh ;+nUg /x]sf] kmd{, sDkgL jf ;+ul7t ;+:yfn] a}+snfO{ s'g} /sd a'emfpg af“sL eP ;f] s'/fM o; a}+ssf ;+:yfks z]o/wgL ;d'xsf tkm{af6 ;+rfns ;ldltdf k|ltlglwTj ug{] ;+rfns >L ;fG6' >]i7sf ;;'/f >L lbg]z nfn >]i7 / ;j{;fwf/0f z]o/wgL ;d'xsf tkm{af6 ;+rfns ;ldltdf k|ltlglwTj ug{] ;+rfns >L /;]Gb| axfb'/ dNnsf ;;'/f >L lgd{n k|wfgn] o; a}+saf6 shf{ ;'ljwf pkef]u ul//x]sf] .

!*= ;+rfns, k|aGw ;+rfns, sfo{sf/L k|d'v tyf kbflwsf/LnfO{ e'QmfgL ul/Psf] kfl/>lds, eQf tyf ;'ljwfsf] /sdM

-s_ ;~rfnsx¿M o; a}+ssf ;+rfnsx¿nfO{ lgodfjnLdf Joj:yf ePadf]lhd ;ldlt tyf ;ldltåf/f ul7t pk;ldltsf] a}7sdf efu lnPafkt cWoIfnfO{ ?=!),)))÷– / ;b:ox¿nfO{ ?=*,)))÷– sf b/n] a}7s eQf / Jofkf/ k|j4{g vr{ afkt dfl;s ?=@,)))÷– dfq e'Qmfg ul/Psf] 5, ;+rfnsx¿nfO{ ;f]b]lv afx]s cGo s'g} klg ;'ljwf a}+sn] k|bfg u/]sf] 5}g . cf=j=)^%÷^^ df ;+rfnsx¿sf] a}7s eQf tyf Jofkf/ k|j4{g vr{afkt s'n ?= !,(!!,$@@÷– -pGgfO; nfv P3f/ xhf/ rf/ ;o afO; ?k}of“ dfq_ e'QmfgL ul/Psf] 5 . ;fy} a}+ssf] lgodfjnLdf Joj:yf ePadf]lhd ;~rfnsx¿sf] b}lgs eQf tyf e|d0f vr{ Go"g ePsf]n] ;~rfnsx¿sf] b}lgs eQf / e|d0f vr{df ;dofg's'n j[l4 ug{ o;} ;efdf k|:tfj ul/Psf] 5 .

13



-v_ k|d'v sfo{sf/L clws[t tyf cGo kbflwsf/L / Joj:yfksx¿sf] jflif{s tna eQf tyf ;'ljwfx¿M

qm=;+= ljj/0f k|d'v sfo{sf/L clws[t cGo kbflwsf/L÷Joj:yfksx¿

! tna @^,#&,$#^ &@,$@,%@@

@ eQf ^,*$,)&& !*,!^,&%%

# ;~rosf]if @,^#,&$#=^) &,@$,@%@=@)

$ b;+} vr{ #,)#,!() *,@&,$#)

hDdf #*,**,$$^=^) !,)^,!),(%(=@)

tna eQfafx]s k|d'v sfo{sf/L clws[t tyf cGo Joj:yfksx¿nfO{ lgDgadf]lhdsf ;'ljwfx¿ k|bfg ug]{ ul/Psf] 5 .

!= af]g; P]g cg';f/sf] af]g; ;'ljwf,

@= cf}iflw vr{, labf afktsf] /sd, b'3{6gf aLdf, hLjg aLdf cfbL a}+ssf] sd{rf/L ;]jf ljlgodfjfnL tyf dfgj ;+zfwg gLlt– adf]lhd pknAw u/fOPsf],

#= k|d'v sfo{sf/L clws[tnfO{ rfns, OGwg / dd{t ;Def/;lxt ;jf/L ;fwg, gfoa dxfk|aGws tyf ;xfos dxfk|aGwsnfO{ ;jf/L shf{, rfns, OGwg tyf dd{t vr{ / cGo Joj:yfksLo kbflwsf/Lx¿nfO{ a}+ssf] ;jf/L ;fwg gLltadf]lhd ;jf/L shf{, OGwg tyf dd{t vr{,

$= a}+s / k|d'v sfo{sf/L clws[taLr ePsf] s/f/cg';f/ k|d'v sfo{sf/L clws[tnfO{ JolQmut shf{ / cGo Joj:yfks kbflwsf/Lx¿nfO{ a}+ssf] sd{rf/L ;]jf ljlgodfjfnLcg';f/ 3/ hUuf v/Lb ug{ shf{,

%= a}+ssf] dfgj ;+zfwg gLltcg';f/ kqklqsf, 6]lnkmf]g ;'ljwf,

;ldIff cjlwdf a}+ssf dxfk|aGws >L slkn zdf{n] lbg'ePsf] /flhgfdf ldlt @)^%÷!)÷)! df :jLs[t eO{ lghn] u/L cfPsf] ;Dk"0f{ sfd st{Jo clwsf/ a}+ssf gfoj dxfk|aGws >L e'if0f /f0ffnfO{ lbOPsf]df jxf“n] ;d]t /flhgfdf lbg'eO{ ldlt @)^^÷)$÷!@ b]lv nfu' x'g] u/L pQm /flhgfdf :jLs[t eO{ a}+s ckm sf7df08'sf lgjt{dfg k|aGw ;+rfns tyf g]kfn a}s;{ P;f]l;ogsf lgjt{dfg cWoIf >L /fw]z kGtnfO{ ldlt @)^^÷$÷!@ b]lv nfu' x'g] u/L a}+ssf] k|d'v sfo{sf/L clws[tsf] kbdf lgo'Qm ul/Psf] Joxf]/f oxf“x¿;dIf cg'/f]w ub{5f}+ .

!(= z]o/wgLn] a'lemlng af“sL /x]sf] nfef+zM ;f] gePsf] .

@)= cGo s'/fx¿M gePsf]

wGojfb 1fkg

lg/Gt/ ;xof]u, k|f]T;fxg / dfu{bz{g k|bfg u/L a}+ssf] dgf]an pRr /fVg ;xof]u ug]{ xfd|f cfb/0fLo u|fxs dxfg'efjx¿, z]o/wgL dxfg'efjx¿, g]kfn /fi6« a}+ssf ;Da4 lgsfox¿, cGo lgodg lgsfox¿, k/f]If jf ck/f]If ;xof]u ug]{ ;Dk"0f{ ;Da4 kIfx¿ nufot ;a}nfO{ xflb{s wGojfb k|s6 ub{5f}+ . oyf;dodf n]vfk/LIf0fsf] sfo{ ;DkGg u/L a}+snfO{ lg/Gt/ tLg jif{;Dd oyf]lrt Jofj;flos ;'emfjx¿ ;d]t k|bfg ug]{ jf!o n]vfk/LIfs >L dbg s[i0f zdf{nfO{ klg wGojfb lbg rfxfG5f}+ . ;fy} a}+ssf] pGgltdf g} cfkm\gf] pGglt 7fgL cd"No >d / ;do vr{ u/L lg/Gt/ bQlrQsf ;fy ;]jf ug]{ a}+s Joj:yfkg tyf sd{rf/Lx¿nfO{ ljz]if wGojfb lbg rfxG5f}+ . cGTodf km]l/ klg kl/jf/lagfsf] 3/ / u|fxslagfsf] a}+s x'g ;Sb}g eGb} ;Ddflgt u|fxsx¿sf] ckf/ dfof / ljZjf;df g} of] a}+sn] cfhsf] of] cj:yf u|x0f ug{ ;kmn ePsf] xf]] / eljiodf klg cem al9 k|uf9 ;Da4 ;'b[9 ub}{ yk ljZjf; cfh{g ug{ ;kmn x'g]5 eGg] ck]Iffsf ;fy lghx¿k|lt xflb{s s[t1tf k|s6 ub{5f}+ .

wGojfb .

;~rfns ;ldltsf tkm{af6

>L lzj/tg zf/bf 8f= >L zf]efsfGt 9sfn

-cWoIf_ -;~rfns_

ldltM @)^^÷)&÷)#

14



CSC & CoChartered Accountants

n]vfk/LIfssf] k|ltj]bg

cfly{s ljj/0f tyf Joj:yfkgsf] pQ/bfloTj

xfdLn] s'df/L a}+s lnld6]8sf] o;};fy ;+nUg #! cfiff9 @)^^ -!% h'nfO{ @))(_ sf] jf;nft, ;f]xL ldltdf ;dfKt jif{sf] gff gf]S;fg lx;fa, OSjL6Ldf ePsf] kl/jt{gsf] ljj/0f / gub k|jfx ljj/0f Pj+ k|d'v n]vf gLltx¿ tyf n]vf;DaGwL l6Kk0fLx¿sf] n]vf k/LIf0f u/]sf 5f}+ . tL ljQLo ljj/0fx¿k|ltsf] pQ/bfloTj a}+s Joj:yfkgdf /x]sf] 5 .

n]vfk/LIfssf] pQ/bfloTj

xfd|f] pQ/bfloTj n]vfk/LIf0fsf] cfwf/df tL ljQLo ljj/0fx¿pk/ /fo JoQm ug'{ xf] . xfdLn] g]kfn n]vfk/LIf0fdfgsf] cfwf/df n]vfk/LIf0f sfo{ ;Dkfbg u¥of}+ . tL dfgx¿cg'¿k xfdLn] ljQLo ljj/0fx¿ uxg ¿kn] unt k|bz{g x'gaf6 jl~rt 5g\ eGg] s'/fdf oyf]lrt 9+un] ljZj:t x'gsf nflu n]vfk/LIf0f of]hgf th'{df Pj+ tbg'¿k sfo{ ;Dkfbg ug'{ kb{5 . n]vf k/LIf0fcGtu{t ljQLo ljj/0fdf k|blz{t /sd Pj+ cGo ljj/0fx¿sf] k'i6\ofO{ ug]{ k|df0fsf] gd"gf k/LIf0f ul/G5 . Joj:yfkgn] cjnDag u/]sf] n]vf l;4fGt tyf ul/Psf dxTjk"0f{ cg'dfgx¿ Pj+ ljQLo ljj/0f k|:t'tLsf] ;du| l:yltsf] d"Nof°g ug'{ klg n]vfk/LIf0fcGtu{t kb{5 . xfdLn] JoQm ug]{ /fosf nflu xfd|f] n]vfk/LIf0fn] oyf]lrt cfwf/ k|bfg u/]sf] s'/fdf xfdL ljZj:t 5f}“ .

a}+s tyf ljQLo ;+:yf;DaGwL P]g, @)^# / sDkgL P]g, @)^# n] tf]s]sf s'/fx¿ pk/sf] k|ltj]bg xfdLn] n]vfk/LIf0fsf] l;nl;nfdf cfjZos 7fgL ;f]wgL tyf s}lot tna u/]sf] s'/fx¿sf] hjf Pj+ :ki6Ls/0f ;Gtf]ifhgs kfof}+ . a}+ssf] zfvf sfof{nox¿af6 k|fKt ljj/0f n]vfk/LIf0fsf] nflu kof{Kt ePsf] kfof}“ . jf;nft, gff gf]S;fg lx;fa tyf gub k|jfx ljj/0f ;lxtsf] cfly{s ljj/0f /fi6« a}+sn] tf]s]sf] 9f“rf / tl/sfcg';f/ tof/ ul/Psf 5g\ / a}+sn] /fv]sf] n]vf;“u b'?:t /x]sf 5g\ tyf a}+ssf] lx;fa lstfax¿ k|rlnt sfg"gadf]lhd 7Ls;“u /flvPsf 5g\ .

n]vfk/LIF0fsf] l;nl;nfdf kfP;Ddsf] ;"rgf tyf :ki6Ls/0fsf] cfwf/df lgIf]kstf{ / nufgLstf{sf] lxt ;+/If0f x'g] sfo{ ePsf] kfOof] . a}+ssf] k'“hLsf]if tyf hf]lvd Joxf]g]{ sf]if kof{Kt dfqfdf ePsf], tf]lsPadf]lhd shf{ ckn]vg u/]sf], sf/f]af/ ;Gtf]ifk|b ;+rfng ePsf] tyf a}+ssf sf/f]af/x¿ cfkm\gf] clVtof/leq /x]sf] kfOof] . ;+rfns ;ldlt jf s'g} ;+rfns jf s'g} kbflwsf/Ln] sfg"gL Joj:yfx¿ ljkl/t jf clgoldt sfo{ u/]sf] jf a}+snfO{ xfgL gf]S;fgL u/] u/fPsf] jf g]kfn /fi6« a}+ssf] lgb]{zg pNn+3g u/]sf] xfdLn] kfPgf}+ ;fy} o:tf s'/fx¿sf] af/]df Joj:yfkgaf6 ;d]t hfgsf/L x'g cfPg .

n]vfk/LIf0fsf] /fo

xfd|f] /fodf s'df/L a}+s lnld6]8sf] ljQLo ljj/0fx¿n] cfiff9 #!, @)^^ -!% h'nfO{ @))(_ sf] cfly{s cj:yf tyf pQm cjlwsf] gff / gub k|jfxsf] g]kfn n]vfdfg tyf n]vfsf] ;j{dfGo l;4fGtcg';f/ ;d'lrt tyf oyfy{ lrq0f ub{5 / pQm ljQLo ljj/0fx¿ g]kfn /fi6« a}+ssf] lgb]{lzsf, a}+s tyf ljQLo ;+:yf;DaGwL P]g @)^# tyf sDkgL P]g @)^# cg'¿k 5g\ .

ldltM @) c;f]h, @)^^

:yfgM sf7df8f}“

dbg s[i0f zdf{;fem]bf/

l;=P;=l;= P08 s+=,rf6{8{ Psfp06]06;\

1955, Tanka Prasad Ghumti Sadak, Babar MahalP.O.Box: 4861, Kathmandu, NepalTel: +977-1-4259414, 4268797, 4251518Fax: +977-1-4244255E-mail: [email protected]

15



!= z]o/ k'“hL $=! 1,18,60,99,200 1,07,00,00,000

@= hu]8f tyf sf]ifx¿ $=@ 43,88,53,508 29,48,85,269

#= C0fkq tyf a08 $=# 40,00,00,000 40,00,00,000

$= ltg{ af“sL shf{ tyf ;fk6L $=$ 29,34,20,000 10,00,00,000

%= lgIf]k bfloTj $=% 15,71,09,25,263 12,78,01,53,444

^= e'QmfgL lbg'kg]{ lanx¿ $=^ 7,00,87,025 6,52,96,714

&= k|:tfljt tyf e'QmfgL lbg af“sL nfef+z – 65,83,752 –

*= cfos/ bfloTj – 2,34,986 –

(= cGo bfloTj $=& 43,23,61,375 32,59,14,001

s'df/L a}+s lnld6]82066 ;fn cfiff( d;fGtsf]

jf;nftk'“hL tyf bfloTj rfn' cf=j= ?=cg';"rL ut cf=j= ?=

$=! b]lv $=!& ;Ddsf cg';"rLx¿ jf;nftsf cleGg c· x'g\ .

ahf/ hf]lvd cg';"rL $=#)-ª_ k|d'v ;"rsf°x¿ cg';"rL $=#! k|d'v n]vf gLltx¿ cg';"rL $=#@ n]vf ;DalGw l6Kk0fLx¿ cg';"rL $=## ;+:yfksx¿sf] shf{ ljj/0f cg';"rL $=#$ n]vfk/LIf0f gePsf] / n]vfk/LIf0f cg';"rL ## ePsf] ljQLo glthsf] t'ngfTds ljj/0f cg';"rL $=#% n]vk/LIf0f gePsf] ljQLo glthf cg';"rL $=#^

;DklQ rfn' cf=j= ?=cg';"rL ut cf=j= ?=

!= gub df}Hbft $=* 54,91,08,504 56,56,41,118

@= g]kfn /fi6« a}+sdf /x]sf] df}Hbft $=( 1,12,07,60,644 24,45,76,115

#= a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft $=!) 10,64,29,652 12,36,24,444

$= dfu tyf cNk ;"rgfdf k|fKt x'g] /sd $=!! 3,00,00,000 5,53,60,000

%= nufgL $=!@ 1,51,08,28,482 2,13,87,97,590

^= shf{, ;fk6 tyf lan vl/b $=!# 14,59,33,46,830 11,33,50,87,939

&= l:y/ ;DklQ $=!$ 24,78,32,774 22,20,00,872

*= u}/ a}ls· ;DklQ $=!% – 31,40,779

(= cGo ;DklQ $=!^ 38,02,58,223 34,80,20,571

s'n ;DklQ 18,53,85,65,10918,53,85,65,109 15,03,62,49,42815,03,62,49,428

s'n k'“hL tyf bfloTj !*,%#,*%,^%,!)( !%,)#,^@,$(,$@*

;Defljt bfloTj cg';"rL $=!& ;~rfnsx¿sf] 3f]if0ff cg';"rL $=@( k'“hLsf]if tflnsf cg';"rL $=#)-s_ shf{ hf]lvd cg';"rL $=#)-v_ Credit Risk Mitigation sf] nflu of]Uo /sd cg';"rL $=#)-u_ ;~rfng hf]lvd cg';"rL $=#)-3_

cfhsf] ldltsf] ;+nUg k|ltj]bg cg';f/

b= /fw]z kGtk|d'v sfo{sf/L clws[t

Zofd;g h=a= /f0ff;~rfns

b= lzj /tg zf/bfcWoIf

b= hulbz k|= rf}w/L;~rfns

b= cld/ k|tfk h= a= /f0ff;~rfns

b= /z]Gb| axfb'/ dNn;~rfns

b= ;fG6' >]i7;~rfns

b= 8f= zf]ef sfGt 9sfn;~rfns

b= u]x gfy 9'·fgfk|d'v ;~rfng clws[t

b= dbg s[i0f zdf{

;fem]bf/l;=P;=l;= P08 sDkgL rf6{8{ Psfp06]06;\

ldltM !* c;f]h @)^^ sf7df8f}+

16



ljj/0f rfn' cf=j= ?=cg';"rL ut cf=j= ?=

!= Aofh cfDbfgL $=!* 1,37,47,22,467 95,72,45,724

@= Aofh vr{ $=!( 81,62,02,890 49,87,34,222

v'b Aofh cfDbfgL 55,85,19,577 45,85,11,502

#= sldzg tyf l8:sfp06 $=@) 7,91,04,277 4,84,94,633

$= cGo ;~rfng cfDbfgL $=@! 1,97,46,723 1,78,05,210

%= ;6xL 36a9 cfDbfgL $=@@ 5,90,01,781 4,18,07,623

s'n ;~rfng cfDbfgL 7,16,37,23,58 56,66,18,968

^= sd{rf/L vr{ $=@# 11,59,84,919 8,95,70,438

&= cGo ;~rfng vr{ $=@$ 18,65,02,160 14,81,43,138

*= ;6xL 36a9 gf]S;fg $=@@ – –

;Defljt gf]S;fgL Joj:yf cl3sf] ;~rfng d'gfkmf 41,38,85,279 32,89,05,392

(= ;Defljt gf]S;fgL Joj:yfx¿ $=@% 5,74,03,005 6,40,23,790

;~rfng d'gfkmf 35,64,82,274 26,48,81,602

!)= u}/ ;~rfng cfDbfgL÷-gf]S;fg_ $=@^ 11,11,653 1,55,88,389

!!= ;Defljt gf]S;fgL Joj:yfaf6 lkmtf{ $=@& 4,70,21,147 72,40,964

lgoldt sf/f]af/af6 ePsf] d'gfkmf 40,46,15,074 28,77,10,955

!@= c;fdfGo sf/f]af/x¿af6 ePsf] d'gfkmf÷-vr{_ $=@* -8,76,031_ -45,31,068_

;Dk"0f{ sf/f]af/ ;dfj]z kl5sf] v'b d'gfkmf 40,37,39,043 28,31,79,887

!#= sd{rf/L af]g; Joj:yf 3,67,03,549 2,57,43,626

!$= cfos/ Joj:yf 10,55,92,905 8,25,06,034

! o; jif{sf] 11,36,69,682 8,07,21,591

! ut jif{;Ddsf] – –

!"":yug ul/Psf] s/ bfloTj -80,76,777_ 17,84,443

v'b gfkmf÷-gf]S;fg_ 26,14,42,589 17,49,30,22726,14,42,589 17,49,30,227

$=!* b]lv $=@* / $=#@ b]lv $=#% ;Ddsf cg';"rLx¿ gfkmf–gf]S;fg lx;fasf cleGg c· x'g\ .

gff–gf]S;fg lx;fa! >fj0f @)^% b]lv #! cfiff9 @)^^ -!^ h'nfO{ @))* b]lv !% h'nfO{ @))( ;Dd_








b= ;fG6' >]i7;~rfns



b= dbg s[i0f zdf{



17



ljj/0f rfn' cf=j= ?= ut cf=j= jif{ ?=

cfDbfgL

!= ut jif{;Ddsf] ;l~rt d'gfkmf 4,13,57,165 3,50,31,460@= o; jif{sf] d'gfkmf 26,14,42,589 17,49,30,227#= ;6xL 36a9 sf]if – –$= k'“hL ;dfof]hg sf]ifaf6 /sdfGt/ – – hDdf 30,27,99,754 20,99,61,68730,27,99,754 20,99,61,687vr{ != ut jif{;Ddsf] ;l~rt gf]S;fg – –@= o; jif{sf] gf]S;fg – –#= ;fwf/0f hu]8f sf]if 5,22,88,518 3,49,86,045$= e}k/L cfpg] hu]8f – –%= ;+:yf ljsf; sf]if – –^= nfef+z ;dLs/0f sf]if – –&= sd{rf/L ;DaGwL hu]8fx¿ – –*= k|:tfljt nfef+z 65,83,752 56,75,116(= k|:tfljt af]g; z]o/ 11,88,36,720 10,78,27,200!)= ljz]if hu]8f sf]if – –!!= ;6xL 36a9 sf]if 7,754 1,16,161!@= k'“hL lkmtf{ hu]8f sf]if 9,50,00,000 2,00,00,000!#= k'“hL ;dfof]hg sf]if – –!$= ut jif{sf] s/ ;dfof]hg sf]if 30,63,398 –!%= :yug s/ sf]if 62,92,334 –

hDdf 28,20,72,476 16,86,04,52228,20,72,476 16,86,04,522!^= ;l~rt d'gff÷-gf]S;fg_ 2,07,27,278 4,13,57,1652,07,27,278 4,13,57,165

gff–gf]S;fg af“8f“8 lx;fa! >fj0f @)^% b]lv #! cfiff9 @)^^ -!^ h'nfO{ @))* b]lv !% h'nfO{ @))( ;Dd_








b= ;fG6' >]i7;~rfns



b= dbg s[i0f zdf{



18



OSjL6Ldf ePsf] kl/jt{g ;DaGwL ljj/0f-cf= j= @)^%÷^^_

ljj/0f

;'? df}Hbft 1,07,00,00,000 4,13,57,165 11,98,47,501 – – 58,53,403 12,78,27,200 1,36,48,85,270

;dfof]hg M 11,60,99,200 (2,06,29,888) 5,22,88,518 - - 7,754 11,23,01,854 26,00,67,438;dfof]hg M 11,60,99,200 (2,06,29,888) 5,22,88,518 - - 7,754 11,23,01,854 26,00,67,438

rfn' ji{sf] s'n gff 26,14,42,589 26,14,42,589

;fwf/º hu]*f sf]idf /sdfGt/ (5,22,88,518) 5,22,88,518 -

k'“hL ;dfof]hg sf]i

k|:tfljt nfef+z (65,83,752) (65,83,752)

;^xL #^aª sf]i (7,754) 7,754 -

xsk|b z]o/ lgIsfzg 82,72,000 82,72,000

af]gz z]o/ lgIsfzg 10,78,27,200 (10,78,27,200) -

k|:tfljt af]g; z]o/ (11,88,36,720) 11,88,36,720 -

k'“hL ltf{ hu]*f sf]i (9,50,00,000) 9,50,00,000 -

ut ji{sf] s/ yk#^ (30,63,398) (30,63,398)

:yug s/ sf]i (62,92,334) 62,92,334 -

clGtd df}Hbft 1,18,60,99,200 2,07,27,278 17,21,36,019 - - 58,61,157 24,01,29,054 1,62,49,52,708clGtd df}Hbft 1,18,60,99,200 2,07,27,278 17,21,36,019 - - 58,61,157 24,01,29,054 1,62,49,52,708

z]o/ k'“hL;l~rt gff÷

-gf]S;fg_;fwf/0f hu]8f

sf]ifz]o/

lk|ldod;6xL 36a9

sf]if

cGo hu]8fsf]ifk'“hLut

hu]8f sf]ifs'n /sd

?k}of“df








b= ;fG6' >]i7;~rfns



b= dbg s[i0f zdf{



19



gub k|jfx ljj/0f! >fj0f @)^% b]lv #! cfiff9 @)^^ -!^ h'nfO{ @))* b]lv !% h'nfO{ @))( ;Dd_

o; jif{ ?=

-s_ sf/f]af/ ;~rfngaf6 gub k|jfx 91,46,37,801 (37,31,16,233) != gub k|fKtL 1,53,36,33,183 1,08,05,50,334 !=! Aofh cfDbfgL 1,37,09,68,716 95,68,54,479 !=@ sldzg tyf l8:sfp06 cfDbfgL 7,92,43,277 4,84,94,633 !=# ljb]zL ljlgdo sf/f]af/af6 cfDbfgL 5,90,01,781 4,18,07,623 !=$ ckn]lvt shf{sf] c;"nL - - !=% cGo cfDbfgL 2,44,19,409 3,33,93,599 @= gub e'QmfgL (1,19,15,74,514) (80,90,05,678) @=! Aofh vr{ (80,34,28,742) (49,35,13,029) @=@ sd{rf/L vr{ (15,26,88,468) (11,53,14,064) @=# sfof{no ;~rfng vr{ -13,66,86,240) (11,31,41,483) @=$ cfos/ e'QmfgL 9,87,71,064 (8,25,06,034) @=% cGo vr{ – (45,31,068) sfo{ut k'“hL -Working Capital_ ultljlw cl3sf] gub k|jfx 34,20,58,669 27,15,44,656 ;~rfng ;DaGwL rfn' ;DklQdf sdL÷-j[l4_ (2,64,99,37,224) (2,85,17,31,892) != dfu tyf cNk;"rgfdf k|fKt x'g] /sddf sdL÷-j[l4_ 2,53,60,000 31,68,55,000 @= cGo cNksfnLg nufgLdf sdL÷-j[l4_ 63,47,69,108 (44,25,11,675) #= shf{ tyf lan v/Lbdf sdL÷-jl[4_ (3,27,37,56,619) (2,45,99,47,172) $= cGo ;DklQdf sdL÷-j[l4_ (3,63,09,713) (26,61,28,045) ;~rfng ;DaGwL rfn' bfloTjdf -sdL_÷j[l4 3,22,25,16,356 2,20,70,71,003 != lgIf]k bfloTjdf -sdL_÷j[l4 2,93,07,71,819 2,21,71,89,816 @= ;l6{lkms]6 ckm l8kf]lh6df -sdL_÷j[l4 - – #= cNksfnLg ;fk6Ldf -sdL_÷j[l4 19,34,20,000 (11,29,70,000) $= cGo bfloTjdf -sdL_÷j[l4 9,83,24,537 10,28,51,187 -v_ nufgL sf/f]af/af6 gub k|jfx (8,04,52,678) (8,51,55,041) != bL3{sfnLg nufgLdf sdL÷-j[l4_ (68,00,000) (1,78,67,500) @= :yL/ ;DklQdf sdL÷-j[l4_ (7,49,69,016) (6,76,78,786) #= bL3{sfnLg nufgLdf Aofh cfDbfgL 13,16,338 3,91,245 $= nfef+z cfDbfgL - - %= cGo – - -u_ ljQLo sf/f]af/af6 gub k|jfx 82,72,000 72,00,00,000 != bL3{sfnLg C0f -a08, l8j]Gr/ cflb_ df j[l4÷-sdL_ - 40,00,00,000 @= z]o/ k'“hLdf j[l4÷-sdL_ 82,72,000 32,00,00,000 #= cGo bfloTjdf j[l4÷-sdL_ - – $= g]kfn /fi6« a}+saf6 k|fKt ;x'lnot÷k"g/shf{df j[l4÷-sdL_ - – -3_ gub tyf a}+s df}Hbftsf] ljlgdo b/df ePsf] km/saf6 cfDbfgL -vr{_ – – -ª_ o; jif{sf] ;Dk"0f{ ultljlwaf6 gub k|jfx 84,24,57,123 26,17,28,726 -r_ gub tyf a}+sdf /x]sf] ;'? df}Hbft 93,38,41,677 67,21,12,951 -5_ gub tyf a}+sdf /x]sf] clGtd df}Hbft 1,77,62,98,800 93,38,41,677

ut jif{ ?=ljj/0f

20



z]o/ k'“hL tyf :jfldTj#! cfiff9 @)^^ -!% h'nfO{ @))(_

ljj/0f o; jif{ ut jif{

!= z]o/ k'“hL !=! clws[t k'“hL !,^),)),)),))) !,^),)),)),))) s_ !,^),)),))) ;fwf/0f z]o/ k|lt z]o/ ?= !)) sf b/n] !,^),)),)),))) !,^),)),)),))) v_ ……… gg\l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ¿= …… n] — — u_ ……… l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ¿= …… n] — — !=@ hf/L k'“hL !,!*,^),((,@)) !,)*,)),)),))) s_ !,!*,^),((@ ;fwf/0f z]o/ k|lt z]o/ ?= !)) sf b/n] !,!*,^),((,@)) !,)*,)),)),))) v_ …… gg\l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ¿= …… n] — — u_ …… l/l8d]jn lk|lkm/]G; z]o/ k|lt z]o/ ¿= …… n] — — !=# r'Qmf k'“hL !,!*,^),((,@)) !,)&,)),)),))) s_ !,!*,^),((@ ;fwf/0f z]o/ k|lt z]o/ ?= !)) sf b/n] !,!*,^),((,@)) !,)&,)),)),))) v_ …… gg\l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ¿= ………n] — — u_ …… l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ¿= …… n] — —

?k}of“df

cg';"rL $=!

z]o/ :jfldTj

o; jif{ ut jif{

-s_ ;+:yfks &) *#,)@,^(,$$) &) &$,(),)),))) != g]kfn ;/sf/ – – – – @= ljb]zL ;+:yf – – – – #= æsÆ ju{sf Ohfhtkqk|fKt ;+:yfx¿ – – – – $= cGo Ohfhtkqk|fKt ;+:yfx¿ – – – – %= cGo ;+:yfx¿ )=!@ !$,@%,^)) )=!@ !@,*$,))) ^= JolQmut ^(=** *@,**,$#,*$) ^(=** &$,&&,!^,))) &= cGo – – – –-v_ ;j{;fwf/0f #) #%,%*,@(,&^) #) #@,!),)),)))

hDdf !))=)) !,!*,^),((,@)) !))=)) !)&,)),)),)))

! ?= ! ?=ljj/0f

#! cfiff9 @)^^ -!% h'nfO{ @))(_

21



)=%! k|ltzt jf ;f] eGbf a9L :jfldTj ePsf z]o/wgLsf] ljj/0f

!= g"/ k|tfj h=a= /f0ff ^=%) &,)@,)),))) ^=%! &,&@,@),))) @= nId0f >]i7 ^=)) ^,$*,)),))) ^=)! &,!@,*),))) #= cld/ k|tfk h=a= /f0ff %=)^ %,$^,$*,))) %=)& ^,)!,!@,*)) $= ;fljqL u'?· $=)) $,#@,)),))) $=)! $,&%,@),))) %= uf}/e cu|jfn @=&) @,(!,^),))) #=!! #,^*,&@,))) ^= Clif cu|jfn @=$) @,%(,@),))) @=$) @,*%,!@,))) &= ;~ho nfdf @=)) @,!^,)),))) @=)) @,#&,^),))) *= /fh]Gb| k|;fb >]i7 @=)) @,!^,)),))) @=)) @,#&,^),))) (= ljBf s[i0f >]i7 !=&) !,*#,^),))) !=*$ @,!&,*),))) !)= uf]ljGb bf; >]i7 !=%) !,^@,)),))) !=%) !,&*,@),))) !!= o1 k|tfk /f0ff !=^* !,*!,$$,))) !=$% !,&@,)*,$)) !@= dxfjL/ k|;fb uf]on !=#@ !,$@,%^,))) !=#@ !,%^,*!,^)) !#= dGh' tfkl8of !=)) !,)*,)),))) !=)! !,!(,*(,*)) !$= eLd s[i0f pbf; !=)) !,)*,)),))) !=)) !,!*,*),))) !%= 'jf{ jf·]n nfdf !=)) !,)*,)),))) !=)) !,!*,*),))) !^= clgn bf; >]i7 !=)) !,)*,)),))) !=)) !,!*,*),))) !&= ;fG6' >]i7 !=)) !,)*,)),))) !=)) !,!*,*),))) !*= hfg'sL s'df/L h=a= /f0ff !=)) !,)*,)),))) !=)) !,!*,*),))) !( cg'kd /f7L )=() (&,@),))) )=() !,)^,(@,))) @)= lgd{n k|wfg !=)) !,)&,*(,($* )=() !,)^,*(,&)) @!= >L lgjf; zf/bf )=** (%,)$,))) )=** !,)$,%$,$)) @@= lzj z+s/ cu|jfn )=** ($,^),*)) )=** !,)$,)^,*)) @#= s'd'b s'df/ b'u8 )=&) &%,^),))) )=*% !,)!,#!,))) @$= cfG6' >]i7 )=&* *$,@$,))) )=&* (@,^^,$)) @%= gful/s nufgL sf]if, Psf·L of]hgf )=&% *!,)),))) )=&% *(,!),))) @^= cfTd/fd d'/f/sf )=&) &%,^),))) )=&) *#,!^,))) @&= k|lbk s'df/ d'/f/sf )=&) &%,^),))) )=&) *#,!^,))) @*= kz'klt d'/f/sf )=&) &%,^),))) )=&) *#,!^,))) @(= g/]z b'u8 )=&) &%,^),))) )=&) *#,!^,))) #)= ljsf; b'u8 )=&) &%,^),))) )=&) *#,!^,))) #!= k|ef nIdL /f0ff )=*) *^,$),))) )=^& &(,@),))) #@= uf}/L >]i7 )=^^ &!,)*,$@* )=^) &!,^),&)) ##= hulbz k|;fb rf}w/L )=^) ^$,*),))) )=^) &!,@*,))) #$= zld{nf cof{n )=^) ^$,*),))) )=^) &!,@*,))) #%= b]j s[i0f d'Gb8f )=^) ^$,*),))) )=^) &!,@*,))) #^= /Ltf s]=;L= )=*) *^,$),))) )=^) &),*$,))) #&= ljb'ifL /f0ff )=%* ^@,^$,))) )=%* ^*,(),$)) #*= hd'gf dx]Zj/L /f7L )=*! *&,)(,@@) )=%% ^%,$$,#)) #(= Pg=;L=Pd= Do"r'cn )=^# ^&,%),))) )=%! ^),@*,))) $)= ;lGbk nfdf )=%) %$,)),))) )=%) %(,$),))) $!= pQd k|;fb e§/fO{ )=%) %$,)),))) )=%) %(,$),))) $@= /Iff kxf8L )=%) %$,)),))) )=%) %(,$),))) $#= ;'/]Gb| e08f/L )=%) %$,)),))) )=%) %(,$),)))

qm=;+= ljj/0f ! z]o/ k'“hL ?= ! z]o/ k'“hL ?=

o; jif{ut jif{

22



hDdf $#,**,%#,%)* @(,$*,*%,@^(

hu]8f tyf sf]ifx¿#! cfiff9 @)^^ -!% h'nfO{ @))(_


!= ;fwf/0f hu]8f sf]if !&,@!,#^,)!( !!,(*,$&,%)!@= k|:tfljt af]g; z]o/ !!,**,#^,&@) !),&*,@&,@))#= k'“hLut hu]8f sf]if – –$= k'“hL ltf{ hu]8f sf]if !!,%),)),))) @,)),)),)))%= k'“hL ;dfof]hg sf]if – –^= cGo hu]8f tyf sf]if – – s_ e}k/L cfpg] hu]8f – – v_ ;+:yf ljsf; sf]if – – u_ nfef+z ;dLs/0f sf]if – – 3_ ljz]if hu]8f sf]if – – ª_ ;DklQ k'gd{"Nof°g sf]if – – r_ cGo :jtGq sf]if – – 5_ cGo hu]8f sf]if – – h_ :yug s/ sf]if ^@,(@,##$ –&= ;l~rt gff÷-gf]S;fg_ @,)&,@&,@&* $,!#,%&,!^%*= ;6xL 36a9 sf]if %*,^!,!%& %*,%#,$)#

cg';"rL $=@?k}of“df

23



C0fkq tyf a08

#! cfiff9 @)^^ -!% h'nfO{ @))(_


!= *" æs'df/L a}+s ln=j08 @)&)Æ k|lt j08 ¿= !,))) sf] b/n] ^ h'g @))* $),)),)),))) $),)),)),)))

df hf/L ePsf] / ldlt * h'g @)!# df r'Qmf x'g]

-xfn;Ddsf] Redemption Reserve /sd ¿= !!,%),)),)))_

@= …… k|ltzt j08÷C0fkq k|lt j08÷C0fkq ¿=……… sf] b/n] – –

ldlt ………… df hf/L ePsf] / ldlt ………… df r'Qmf x'g]

-xfn;Ddsf] Redemption Reserve /sd ¿= ………………_

?k}of“df

cg';"rL $=#

hDdf -s±v_ @(,#$,@),))) !),)),)),)))

ltg{ af“sL shf{ -;fk6L_#! cfiff9 @)^^ -!% h'nfO{ @))(_


s_ :jb]zL @(,#$,@),))) !),)),)),))) != g]kfn ;/sf/ – – @= g]kfn /fi6« a}+s -:yfoL t/ntf ;'ljwf_ – – #= l/kf] bfloTj – – $= cGt/ a}+s tyf ljQLo ;+:yf @(,#$,@),))) !),)),)),))) %= cGo ;+ul7t ;+:yfx¿ – –

^= cGo – – hDdf @(,#$,@),))) !),)),)),)))v_ ljb]zL – – != a}+sx¿ – – @= cGo – – hDdf –

?k}of“df

cg';"rL $=$

hDdf -!±@_ $),)),)),))) $),)),)),)))

24



Aofh ltg'{ gkg]{ vftfx¿sf] hDdf -!_ *&,&(,*&,#^^ &!,!#,%(,*)^

lgIf]k bfloTj#! cfiff9 @)^^ -!% h'nfO{ @))(_


Aofh ltg'{ gkg]{ vftfx¿

s_ rNtL lx;fa &*,)),(^,*(( ^),!&,@!,)%&

!= :jb]zL d'b|fdf &%,*(,$$,(%* %&,)*,^%,(%#

!=! g]kfn ;/sf/ — — !=@ æsÆ ju{sf Ohfhtkq k|fKt ;+:yfx¿ $!,%!,(!$ #$,^#,#&) !=# cGo Ohfhtkq k|fKt ljQLo ;+:yfx¿ !,$*,*@,()@ $,%@,%%,*@! !=$ cGo ;+ul7t ;+:yfx¿ ^),%@,@!,!!) $@,)!,!#,%(@ !=% JolQmut !#,$^,*(,)#@ !),@),##,!&) !=^ cGo — —

@= ljb]zL d'b|fdf @,!!,%!,($! #,)*,%%,!)$

@=! g]kfn ;/sf/ — — @=@ æsÆ ju{sf Ohfhtkq k|fKt ;+:yfx¿ — — @=# cGo Ohfhtkq k|fKt ljQLo ;+:yfx¿ — ^,##,%&@ @=$ cGo ;+ul7t ;+:yfx¿ &,!@,&^( — @=% JolQmut @,)$,#(,!&@ #,)@,@!,%#@ @=^ cGo — —

v_ dflh{g (,&*,(),$^& !),(^,#*,&$(

!= sd{rf/L hdfgt -ns/ dflh{g_ @^,*@,()) @#,!&,*%) @= hdfgt dflh{g $,#*,$!,!@( $,#*,^&,&@* #= k|tLtkq dflh{g %,!#,^^,$#* ^,#$,%#,!&!

u_ cGo — —

!= :jb]zL d'b|fdf — —

!=! ljQLo ;+:yfx¿ — — !=@ cGo ;+ul7t ;+:yfx¿ — — !=# JolQmut — —

@= ljb]zL d'b|fdf — —

@=! ljQLo ;+:yfx¿ — — @=@ cGo ;+ul7t ;+:yfx¿ — — @=# JolQmut — —

?k}of“df

cg';"rL $=%

25



Aofh ltg'{kg]{ vftfx¿sf] hDdf -@_ !$,*#,@(,#&,*(& !@,)^,*&,(#,^#*

hDdf lgIf]k -!±@_ !%,&!,)(,@%,@^# !@,&*,)!,%#,$$$

lgIf]k bfloTj qmdzM ========#! cfiff9 @)^^ -!% h'nfO{ @))(_


Aofh ltg'{kg]{ vftfx¿

s_ art lx;fa $,!&,)#,!*,)&! $,!$,$^,*!,&&&

!= :jb]zL d'b|fdf $,)^,#!,#!,*#! #,(^,*),(!,*$@ !=! ;+3 ;+:yfx¿ !*,%@,%#,^#* !$,@%,&!,)&& !=@ JolQmut #,*&,&*,&*,!(# #,*@,%%,@),&^% !=# cGo — —

@= ljb]zL d'b|fdf !),&!,*^,@$) !&,^%,*(,(#% @=! ;+3 ;+:yfx¿ *^,(*^ &^,@#@ @=@ JolQmut !),&),((,@%$ !&,^%,!#,&)# @=# cGo — —

v_ d'2tL lx;fa $,%@,&),%!,!$( #,&(,(%,%^,)$(

!= :jb]zL d'b|fdf $,%),^%,#@,%#^ #,$&,@(,&),)$) !=! ;+3 ;+:yfx¿ $,!(,@!,&&,)#% @,*^,$@,@@,(%( !=@ JolQmut #!,$#,%%,%)! ^),*&,$&,)*! !=# cGo — —

@= ljb]zL d'b|fdf @,)%,!*,^!# #@,^%,*^,))( @=! ;+3 ;+:yfx¿ — — @=@ JolQmut @,)%,!*,^!# #@,^%,*^,))( @=# cGo — —

u_ dfu]sf] avt ltg'{kg]{ lx;fa ^,!#,%%,^*,^&& $,!@,$%,%%,*!@

!= :jb]zL d'b|fdf ^,)*,*),#^,^*@ $,)&,@(,!!,))$ !=! æsÆ ju{sf Ohfhtkq k|fKt ;+:yfx¿ !,)),&$,%@,^^# — !=@ cGo O=k|f= ljQLo ;+:yfx¿ !,@),@),)*,@^@ !,#@,%!,%*,@@& !=# cGo ;+ul7t ;+:yfx¿ #,@),!(,^$,&)& @,^@,*$,)%,(!% !=$ JolQmut ^&,^^,!!,)%) !!,(#,$^,*^@ !=% cGo — —

@= ljb]zL d'b|fdf $,&%,#!,((% %,!^,$$,*)* @=! æsÆ ju{sf Ohfhtkq k|fKt ;+:yfx¿ — — @=@ cGo O=k|f= ljQLo ;+:yfx¿ !(,%%* !&,))) @=# cGo ;+ul7t ;+:yfx¿ — — @=$ JolQmut $,&%,!@,$#& %,!^,@&,*)* @=% cGo — —

3_ ;l6{ls]6 c l8kf]lh6 — — != ;+ul7t ;+:yfx¿ — — @= JolQmut — — #= cGo — —

?k}of“df

26



!= k]G;g÷pkbfg sf]if — —

@= sd{rf/L ;~ro sf]if — —

#= sd{rf/L sNof0f sf]if — —

$= sd{rf/L af]g; Joj:yf #,^&,)#,%$( @,%&,$#,^@^

%= lgIf]kdf e'QmfgL lbg af“sL Aofh #,^#,^!,!*) @,#^,)*,!%%

^= ;fk6Ldf e'QmfgL lbg af“sL Aofh %$,))) #@,*&&

&= kfsL g;s]sf] l8:sfp06 / sldzg !,%^,%)) !&,%))

*= ;G8«L qm]l86;{ !,)$,^&,($@ (#,)(,%^$

(= zfvf ldnfg lx;fa — !,!(,$#$

!)= cGo #$,*^,!*,@)$ @^,&),*@,*$%

-s_ ltg{ af“sL n]vf k/LIf0f z'Ns @,#!,))) — —

-v_ cGo #$,*#,*&,@)$ — —

hDdf $#,@#,^!,#&% #@,%(,!$,))!

cGo bfloTj#! cfiff9 @)^^ -!% h'nfO{ @))(_

!= :jb]zL d'b|f ^,$*,*$,^!$ ^,$#,(^,**(

@= ljb]zL d'b|f %@,)@,$!! *,((,*@%

hDdf &,)),*&,)@% ^,%@,(^,&!$

e'QmfgL lbg'kg]{ lanx¿#! cfiff9 @)^^ -!% h'nfO{ @))(_ cg';"rL $=^

?k}of“df



cg';"rL $=&?k}of“df

27



hDdf %$,(!,)*,%)$ %^,%^,$!,!!*

gub df}Hbft#! cfiff9 @)^^ -!% h'nfO{ @))(_


!= :jb]zL d'b|f -l;Ssf ;d]t_ %#,)%,%&,@)! %$,@#,(*,&*!

@= ljb]zL d'b|f !,*%,%!,#)# @,#@,$@,##&

?k}of“df

cg';"rL $=*

a}+s tyf ljQLo ;+:yfdf /x]sf] df}Hbftcg';"rL $=!)

gf]6M ;DalGwt a}+sx¿sf] ;dy{gkq cg';f/sf] s'n df}Hbft ?= !,#&,!&,$^,*^#÷–

#! cfiff9 @)^^ -!% h'nfO{ @))(_

ljj/0fo; jif{

s'n

ut jif{

s'n

!= :jb]zL O=k|f= ;+:yfx¿ !,@$,*!,$#) — #^,&!,$)$ #^,&!,$)$ !,^!,%@,*#$ %,(@,!*,!((

s_ rNtL vftf !,@$,*!,$#) — #^,&!,$)$ #^,&!,$)$ !,^!,%@,*#$ %,(@,!*,!((

v_ cGo vftf — — — — — —

@= ljb]zL a}+sx¿ — #,)$,(@,(#( %,(&,*#,*&( (,)@,&^,*!* (,)@,&^,*!* ^,$$,)^,@$%

s_ rNtL vftf — #,)$,(@,(#( %,(&,*#,*&( (,)@,&^,*!* (,)@,&^,*!* ^,$$,)^,@$%v_ cGo vftf — — — — — —

?k}of“df

hDdf !,@$,*!,$#) #,)$,(@,(#( ^,#$,%%,@*# (,#(,$*,@@@ !),^$,@(,^%@ !@,#^,@$,$$$

:jb]zL d'b|fljb]zL d'b|f

ef=?= kl/jTo{ lj=d'= hDdf

g]kfn /fi6« a}+sdf /x]sf] df}Hbft#! cfiff9 @)^^ -!% h'nfO{ @))(_

ljj/0fo; jif{

s'n

ut jif{

s'n

!= g]kfn /fi6« a}+s !,)(,!),$@,&*! — @,(&,!&,*^# @,(&,!&,*^# !,!@,)&,^),^$$ @$,$%,&^,!!%

s_ rNtL vftf !,)(,!),$@,&*! — @,(&,!&,*^# @,(&,!&,*^# !,!@,)&,^),^$$ @$,$%,&^,!!%

v_ cGo vftf — — — — — —

?k}of“df

cg';"rL $=(

:jb]zL d'b|fljb]zL d'b|f

ef=?= kl/jTo{ lj=d'= hDdf

28



hDdf #,)),)),))) %,%#,^),)))

dfu tyf cNk ;"rgfdf k|fKt x'g] /sdx¿#! cfiff9 @)^^ -!% h'nfO{ @))(_


!= :jb]zL d'b|f #,)),)),))) %,%#,^),)))

@= ljb]zL d'b|f — —

?k}of“df

cg';"rL $=!!

nufgL#! cfiff9 @)^^ -!% h'nfO{ @))(_


!= g]kfn ;/sf/sf] 6«]h/L laN; – **,@%,!(,(() **,@%,!(,(() !,@&,*!,(%,))@@= g]kfn ;/sf/sf] artkq – — — —#= g]kfn ;/sf/sf] cGo ;'/If0fdf nufgL – !(,&%,&%,))) !(,&%,&%,))) !(,)(,)),)))$= g]kfn /fi6« a}+s C0fkq – — — —%= ljb]zL C0fkq – — — —^= :jb]zL Ohfhtkqk|fKt ;+:yf – @),)),)),))) @),)),)),))) !&,%),)),)))&= ljb]zL a}+s – @!,@#,*&,((@ @!,@#,*&,((@ $&,^$,*@,)***= ;+ul7t ;+:yfx¿sf] z]o/ – !#,^),%)) !#,^),%)) !@,#%,%))(= ;+ul7t ;+:yfx¿sf] l8a]Gr/ tyf a08 – !,^(,*%,))) !,^(,*%,))) !,^(,*%,)))!)= cGo nufgL – — — — s'n nufgL – !,%!,)*,@*,$*@ !,%!,)*,@*,$*@ @,!#,*&,(&,%()

Joj:yf – — — —

v'b nufgL – !,%!,)*,@*,$*@ !,%!,)*,@*,$*@ @,!#,*&,(&,%()

?k}of“df

cg';"rL $=!@

k|of]hg

Jofkfl/s cGo

29



;+ul7t ;+:yfsf] z]o/, l8a]Gr/ tyf a08df nufgL#! cfiff9 @)^^ -!% h'nfO{ @))(_

Jofkfl/s nufgL#! cfiff9 @)^^ -!% h'nfO{ @))(_

?k}of“dfcg';"rL $=!@ -s_

ljj/0f o; jif{

gf]6M != shf{ ;"rgf s]Gb|n] ljut # jif{b]lv nfef+z ljt/0f gu/]sf] .

ut jif{

!= z]o/df nufgL !#,^),%)) !@,#%,%))

!=! shf{ ;"rgf s]Gb| lnld6]8 !@,#%,%)) !@,#%,%)) !$!@) lsQf ;fwf/0f z]o/ ?= !)) sf b/n] r'Qmf

k|fOd/L z]o/ #%#) lsQmf xsk|b z]o/ **@% lsQmf

af]g; z]o/ !&^% lsQmf!=@ g]kfn lSnl/· xfp; lnld6]8 !,@%,))) %" of commited quity of ?= @%,)),)))@= l8a]Gr/ tyf a08df nufgL !,^(,*%,))) !,^(,*%,)))

@=! g]kfn ljB't k|flws/0f !,^(,*%,))) !,^(,*%,))) -&=&%", kfj/ j08 ?= !))) sf b/n]_ – –

@=@ ………………………… – –

hDdf nufgL !,*#,$%,%)) !,*@,@),%))

#= hf]lvd ;DaGwL Joj:yf

#=! ut jif{;Ddsf] Joj:yf – – #=@ o; jif{sf] yk÷-36_ – – s'n Joj:yf –

v'b nufgL !,*#,$%,%)) !,*@,@),%))

cg';"rL $=!@=!

ut jif{ gff÷gf]S;fg /sd

ljj/0f k/n d"No kl5Nnf] ahf/ d"No -s_

xfnsf] ahf/ d"No -v_

o; jif{ gff÷

-gf]S;fg_ /sd -v–s_

s}lot

!= g]kfn ;/sf/sf] 6«]h/L lan

@= g]kfn ;/sf/sf] artkq

#= g]kfn ;/sf/sf] cGo C0fkq

$= g]=/f= a}+s C0fkq

%= lab]zL C0fkq

^= :jb]zL O=k= k|fKt ;+:yfsf] z]o/

&= :jb]zL O=k= k|fKt ;+:yfsf] l8j]Gr/ tyf j08

*= :jb]zL ;+ul7t ;+:yfsf] z]o/, l8j]Gr/ tyf j08

(= ljb]zL a}+s nufgL -Placement_

!)= cGo nufgL

s'n nufgL

30



e'QmfgL ldlt;Dd wf/0f ug]{ nufgL#! cfiff9 @)^^ -!% h'nfO{ @))(_

laqmLsf] nflu nufgL#! cfiff9 @)^^ -!% h'nfO{ @))(_

cg';"rL $=!@=@




o; jif{ gff÷


s}lot

!= g]kfn ;/sf/sf] 6«]h/L lan *,*%,!(,(()

@= g]kfn ;/sf/sf] artkq –

#= g]kfn ;/sf/sf] cGo C0fkq (,&%,&%,)))

$= g]=/f= a}+s C0fkq –

%= lab]zL C0fkq –

^= :jb]zL O=k= k|fKt ;+:yfsf] z]o/ @),)),)),)))

&= :jb]zL O=k= k|fKt ;+:yfsf] l8j]Gr/ tyf j08 –

*= :jb]zL ;+ul7t ;+:yfsf] z]o/, l8j]Gr/ tyf j08 !,*#,$%,%))

(= ljb]zL a}+s nufgL -Placement_ @!,@#,*&,((@

!)= cGo nufgL –

s'n nufgL !,%!,)*,@*,$*@

cg';"rL $=!@=#




o; jif{ gff÷


s}lot

!= g]kfn ;/sf/sf] 6«]h/L lan

@= g]kfn ;/sf/sf] artkq

#= g]kfn ;/sf/sf] cGo C0fkq

$= g]=/f= a}+s C0fkq

%= lab]zL C0fkq

^= :jb]zL O=k= k|fKt ;+:yfsf] z]o/

&= :jb]zL O=k= k|fKt ;+:yfsf] l8j]Gr/ tyf j08

*= :jb]zL ;+ul7t ;+:yfsf] z]o/, l8j]Gr/ tyf j08

(= ljb]zL a}+s nufgL -Placement_

!)= cGo nufgL

s'n nufgL

31



shf{, ;fk6 tyf lan vl/b juL{s/0f / ;f]sf] nflu Joj:yf#! cfiff9 @)^^ -!% h'nfO{ @))(_ cg';"rL $=!#

?k}of“df

!= ;lqmo shf{ ;fk6 — 41,84,92,133 14,19,52,30,438 — 14,61,37,22,571 7,55,24,247 4,14,71,740 11,69,95,987 14,73,07,18,558 11,36,99,05,05311,36,99,05,053

!=! c;n — 41,84,92,133 14,18,92,27,519 — 14,60,77,19,652 7,55,24,247 4,14,71,740 11,69,95,987 14,72,47,15,639 11,33,21,48,877

!=@ k'g/;+/rgf ul/Psf] — — 60,02,919 — 60,02,919 — — — 60,02,919 3,77,56,176

@= lgl:qmo shf{ ;fk6 — — 6,45,42,683 — 6,45,42,683 — — — 6,45,42,683 15,24,75,600

@=! sd;n — — 1,30,82,971 — 1,30,82,971 — — — 1,30,82,971 5,83,20,876

@=@ z°f:kb — — 3,17,35,261 — 3,17,35,261 — — — 3,17,35,261 7,89,66,480

@=# v/fa — — 1,97,24,451 — 1,97,24,451 — — — 1,97,24,451 1,51,88,244

s_ s'n shf{ — 41,84,92,133 14,25,97,73,121 — 14,67,82,65,254 7,55,24,247 4,14,71,740 11,69,95,987 14,79,52,61,241 11,52,23,80,653

#= shf{ gf]S;fgL Joj:yf

#=! c;n — 41,84,921 14,18,92,275 — 14,60,77,196 7,55,242 4,14,717 11,69,959 14,72,47,155 11,33,21,489

#=@ k'g/;+/rgf ul/Psf] — — 7,50,365 — 7,50,365 — — — 7,50,365 47,19,522

#=# sd;n — — 32,70,743 — 32,70,743 — — — 32,70,743 1,45,80,219

#=$ z°f:kb — — 3,09,21,697 — 3,09,21,697 — — — 3,09,21,697 3,94,83,240

#=% v/fa — — 1,97,24,451 — 1,97,24,451 — — — 1,97,24,451 1,51,88,244

v_ s'n Joj:yf — 41,84,921 19,65,59,531 — 20,07,44,452 7,55,242 4,14,717 11,69,959 20,19,14,411 18,72,92,714

$= ut jif{;Ddsf] Joj:yf

$=! c;n — 27,35,918 10,97,67,096 — 11,25,03,014 4,52,546 3,65,929 8,18,475 11,33,21,489 8,95,77,026

$=@ k'g/;+/rgf ul/Psf] — — 47,19,522 — 47,19,522 — — — 47,19,522 48,26,507

$=# sd;n — — 1,45,80,219 — 1,45,80,219 — — — 1,45,80,219 25,94,619

$=$ z°f:kb — — 3,94,83,240 — 3,94,83,240 — — — 3,94,83,240 1,93,18,178

$=% v/fa — — 1,51,88,244 — 1,51,88,244 — — — 1,51,88,244 1,71,04,037

u_ ut jif{;Ddsf] s'n Joj:yf — 27,35,918 18,64,74,239 — 18,64,74,239 4,52,546 3,65,929 8,18,475 18,72,92,714 13,34,20,367

3_ o; jif{sf] lkmtf{ — — — — — — — — (4,27,81,308) (72,40,964)

ª_ o; jif{sf] yk — 14,49,003 1,00,85,292 — 1,42,70,213 3,02,696 48,788 3,51,484 5,74,03,005 6,11,13,311

r_ o; jif{sf] yk36 — 14,49,003 1,00,85,292 — 1,42,70,213 3,02,696 48,788 3,51,484 1,46,21,697 5,38,72,347

v'b shf{ -s—v_ - - 14,06,32,13,590 — 14,47,75,20,802 7,47,69,005 4,10,57,023 11,58,26,028 14,59,33,46,830 11,33,50,87,939

ljj/0f

shf{ vl/b tyf l8:sfp06 ul/Psf lan:jb]zL

:jb]zLk|fylds If]q

ljldt cljldtcGo ljb]zL ljb]zL hDdf

o; jif{ ut jif{

hDdf

32



hDdf -s±v_ !$,&(,%@,^!,@$! !!,%@,@#,*),^%#

;'/If0fsf cfwf/df shf{, ;fk6 / lan vl/b #! cfiff9 @)^^ -!% h'nfO{ @))(_


s_ ;'/lIft !$,&(,%@,^!,@$! !!,%@,@#,*),^%#

!= rn÷crn ;DklQsf] ;'/If0fdf !#,$$,$*,%&,#@) !),%^,%),@#,###

@= :jb]zL a}+s tyf ljQLo ;+:yfsf] hdfgtdf — —

#= ;/sf/L hdfgtdf — —

$= cGt/fli6«o >]0fLs[t a}+ssf] hdfgtdf — —

%= lgof{t sfuhftsf] ;'/If0fdf !*,!&,))) —

^= d'2tL /l;bsf] ;'/If0fdf — —

s_ cfkm\g} a}+ssf] d'2tL /l;bsf] ;'/If0fdf @&,*&,%%$ ^(,%%,#^!

v_ cGo a}+ssf] d'2tL /l;bsf] ;'/If0fdf %,@%,&!,@)$ !),%(,(),%^*

&= ;/sf/L C0fkqsf] ;'/If0fdf — —

*= sfpG6/ hdfgtdf — —

(= JolQmut hdfgtdf — —

!)= cGo ;'/If0fdf !,@(,#@,@*,!^# *$,$$,!!,#(!

v_ c;'/lIft — —

?k}of“df

cg';"rL $=!# -s_

* Written Down Value

hDdf -#±$±%±^_ $!,((,*%) #,@*,&%,@)% — (,#%,(@,!!) &),#%,@*^ @$,&*,#@,&&$ @@,@),)),*&@

ljj/0f

!= k/ndf]n

s_ ut jif{sf] df}Hbft %%,^(,#^% %,$&,@!,(@# — !#,%#,@#,!!( !,*@,!^,*** @!,#*,#!,@(% !&,*!,*&,&#% v_ o; jif{sf] yk — ^),)*,@&! — %,^@,!!,%!* !,%*,#** ^,@#,&*,!&& ^,(%,(@,()) u_ o; jif{ k'gd"{Nof°g÷k'gn]{vg — — — — — — — 3_ o; jif{sf] laqmL — -&%,%),)))_ — -&,#%,@!)_ — -*@,*%,@!)_ -!,#^,#(,($*_ ª_ o; jif{sf] ckn]vg -&,%%,#@$_ — — — — -&,%%,#@$_ -@,)#,)(,#(@_

s'n k/ndf]n -s±v±u±3±ª_ $*,!$,)$! %,#!,*),!($ — !(,)&,((,$@& !,*#,&%,@&^ @^,&!,^*,(#* @!,#*,#!,@(%

@= x|f; s§L

s_ ut jif{;Ddsf] $,%$,*#! !,%%,&(,!@) — ^,**,&!,@%@ &*,$&,#@^ (,@&,%@,%@( (,@@,(*,(#) v_ o; jif{sf] @,@(,&!% *!,^^,&!# — @,**,&%,*)% #$,(@,^^$ $,)&,^$,*(& @,*#,%$,!*) u_ x|f; s§L k'gd"{Nof°g÷k'gn]{vg -&),#%%_ -#$,$),*$$_ — -%,#(,&$)_ — -$),%),(#(_ -@,&(,)),%*!_ 3_ o; jif{sf] ckn]vg — — — — — — —

s'n x|f; s§L -s±v±u±3_ ^,!$,!(! @,)#,)$,(*( — (,&@,)&,#!& !,!#,#(,(() !@,($,^^,$*& (,@&,%@,%@(

#= a's Eofn' -WDV*_ -!–@_ $!,((,*%) #,@*,&%,@)% — (,#%,(@,!!) &),#%,@*^ !#,&&,)@,$%! !@,!),&*,&^^

$= hUuf — — — — — *,%%,(#,^#% *,%%,(#,^#%

%= k'“hLut lgdf{0f -k'“hLs/0f ul/g' kg]{_ — — — — — — —

^= lnhxf]N8 ;DklQ — — — — — @,$%,#^,^** !,%#,@*,$&!

ejgkl/jxg

;fwgd]lzg/L

sfof{no

;fdfg

o; jif{ ut jif{;DklQ

l:y/ ;DklQ#! cfiff9 @)^^ -!% h'nfO{ @))(_ ?k}of“df

cg';"rL $=!$

cGo

33



hDdf #*,)@,%*,@@# #$,*),@),%&!

cGo ;DklQ#! cfiff9 @)^^ -!% h'nfO{ @))(_


!= d;nGb df}Hbft #&,##,%($ #!,!^,(%&

@= nufgLdf c;'n ug{ af“sL cfDbfgL !,*@,^^,&%# !,%*,@(,#$)

#= shf{df c;'n ug{ af“sL Aofh — —

shf{df c;'n ug{ af“sL Aofh &,%),*@,(&$ %,(#,)^,#$!

Go"gM Aofh d'NtjL /sd -&,%),*@,(&$_ -%,(#,)^,#$!_

$= c;'n ug{ af“sL sldzg — —

%= ;G8«L 8]6;{ *,$(,$#,&$( !,$$,$(,*&#

^= sd{rf/L ;fk6L / k]ZsL !),@@,(&,*@$ $,^&,!(,(#^

&= clu|d e'QmfgL ((,%),##! &(,%(,&#(

*= dfu{:y gub — —

(= dfu{:y cGo -r]s ;d]t_ — —

!)= ljgf ;"rgf 8«f#6sf] e'QmfgL — —

!!= ckn]vg x'g af“sL vr{ — —

!@= zfvf lx;fa ldnfg @,!(,#),%)^ —

!#= :yug s/ ;DklQ -Deferred Tax Assets_ ^@,(@,##$ —

!$= cGo !#,@*,$#,!#@ @%,((,$$,&@^

-s_ v'b clu|d cfos/ s§L — (^,%),@%#

-v_ cGo !#,@*,$#,!#@ — @%,)@,($,$&#

?k}of“df

cg';"rL $=!^

u}/ a}+ls· ;DklQ#! cfiff9 @)^^ -!% h'nfO{ @))(_ ?k}of“df

cg';"rL $=!%

C0fL jf kf6L{sf] gfd 7]ufgfu}/ a}+ls· ;DklQ;sf/ u/]sf] ldlt

s'n u}/ a}+ls·;DklQ /sd

gf]S;fgL Joj:yfk|ltzt /sd

o; jif{sf] v'b u}/ a}ls· ;DklQ

ut jif{

#!,$),&&(

#!,$),&&( hDdf

34



cGo ;DklQ -yk ljj/0f_cg';"rL $=!^ -s_

!= shf{df c;'n ug{ af“sL Aofh ^,@&,*^,$#& !,@@,(^,%#& — &,%),*@,(&$ %,(#,)^,#$!

@= lagf ;"rgf 8«f#6sf] e'QmfgL — — — — —

#= zfvf lx;fa ldnfg — — — — —

! jif{ ;Dd

#! cfiff9 @)^^ -!% h'nfO{ @))(_ ?k}of“df

o; jif{! b]lv # jif{ ;Dd # jif{ eGbf dfly hDdf

ut jif{ljj/0f

hDdf — —

;Defljt bfloTjx¿#! cfiff9 @)^^ -!% h'nfO{ @))(_


!= ;+:yfpk/ bfjL k/]sf] t/ ;+:yfn] bfloTj :jLsf/ gu/]sf] — —

@= k|lttkqx¿ -k"/f /sd_ *!,#(,&#,^&@ !,!!,#(,(^,!*%

s_ ^ dlxgf eGbf sd cjlwsf] ^),*^,**,(($ **,^&,!&,%@@

v_ ^ dlxgf eGbf a9L cjlwsf] @),%@,*$,^&* @@,&@,&*,^^#

#= k'gM l8:sfp06 ul/Psf lanx¿ — —

$= Dofb gfl3 g;s]sf] Uof/]G6L÷a08 %$,&^,%(,#%% %!,@%,!@,$$(

s_ la8 a08 *,%%,@&,&!# !,%&,@%,@&%

v_ k/d]{G; a08 $^,@!,#!,^$@ $(,^&,*&,!&$

u_ cGo Uof/]G6L÷a08 — —

%= r'Qmf jf e'Qmfg x'g af“sL z]o/ nufgL — —

^= /jf8{ PS:r]~h sG6«fS6sf] af“sL bfloTjx¿ — —

&= sn]S;gdf /x]sf lanx¿ — —

*= d~h'/L tyf ;dy{g (Acceptance & Endorsement) !#,(*,$),(^& %,$&,%&,!%%

(= k|Tofe"lt k|ltj4tf (Underwriting Commitment) — —

!)= ckl/jTo{ shf{ k|ltj4tf (Irrevocable Loan Commitment) — —

!!= cGt/f{li6«o >]0fLs[t a}+ssf] sfp06/ Uof/]G6Ldf lbPsf] Uof/]G6L — #,%),(^,$!*

!@= clu|d e'QmfgL Uof/]G6L (Advance Payment Guarantee) !!,^!,^$,)$& !%,)%,&#,@*%

!#= shf{ k|jfxsf] nflu ljQLo hdfgt (Financial Guarantee) — —

!$= cfos/ jfkt ;Defljt bfloTj (Contingent Liabilities on Income Tax) — —

!%= cGo — —

?k}of“df

cg';"rL $=!&

35



Aofh cfDbfgL! >fj0f @)^% b]vL #! cfiff9 @)^^ ;Dd -h'nfO{ !^, @))* b]vL !% h'nfO{ @))( ;Dd_

ljj/0f

s_ shf{, ;fk6 / clwljsif{df !,@#,#%,$(,))( *&,&),)(,%!^ != shf{ tyf ;fk6 %%,#&,%%,&@* $^,%!,@@,#() @= clwljsif{ ^&,(&,(#,@*! $!,!*,*&,!@^

v_ nufgLdf *,(*,%^,)!@ $,^(,&*,@$@ != g]kfn ;/sf/sf] C0fkq *,*%,#(,^&$ $,^%,*^,((& s_ 6«]h/L laN; &,$(,(),!&( $,##,^!,%$* v_ ljsf; C0fkq !,#%,$(,$(% #@,@%,$$( u_ /fli6«o artkq — — @= ljb]zL C0fkq — — s_ ……………………… — — v_ ……………………… — — #= g]kfn /fi6« a}+ssf] C0fkq — — $= l8a]Gr/ tyf a08 !#,!^,##* #,(!,@$% %= cGt/ a}+s nufgL — — s_ a}+s÷ljQLo ;+:yfx¿ — — v_ cGo ;+:yfx¿ — —

u_ Ph]G;L df}Hbftdf (,^&,%%^ @!,!#,(!^ != :jb]zL a}+s÷ljQLo ;+:yfx¿ — — @= ljb]zL a}+sx¿ (,^&,%%^ @!,!#,(!^

3_ dfu tyf cNk ;"rgfdf k|fKt x'g] df}Hbftdf %,)#,$(,*() #,!!,$$,)%) != :jb]zL a}+s÷ljQLo ;+:yfx¿ $,@^,!),$%* @,!!,*(,@#! @= ljb]zL a}+sx¿ &&,#(,$#@ ((,%$,*!(

ª_ cGodf — — != ;l6{ls]6 c l8kf]lh6 — — @= cGt/ a}+s÷ljQLo ;+:yf shf{ — — #= cGo — —

?k}of“df

cg';"rL $=!*

hDdf !,#&,$&,@@,$^& (%,&@,$%,&@$

o; jif{ ut jif{

36



Aofh vr{! >fj0f @)^% b]vL #! cfiff9 @)^^ ;Dd -h'nfO{ !^, @))* b]vL !% h'nfO{ @))( ;Dd_


s_ lgIf]k bfloTjdf &^,)%,)#,*)( $^,##,&$,)!#

!= d'2tL lgIf]k #!,)@,&^,%!* !*,)^,^$,(#%

!=! :jb]zL d'b|f #),#(,$#,(*# !&,@!,#!,^&^

!=@ ljb]zL d'b|f ^#,#@,%#% *%,##,@%(

@= art lgIf]k !%,##,**,$)^ !#,)!,((,!)#

@=! :jb]zL d'b|f !%,)&,!&,&&) !@,%%,!%,(($

@=@ ljb]zL d'b|f @^,&),^#^ $^,*#,!)(

#= dfu]sf] avt ltg'{kg]{ lgIf]k @(,^*,#*,**% !%,@%,)(,(&%

#=! :jb]zL d'b|f @(,%^,#%,(@@ !$,(@,*^,#(^

#=@ ljb]zL d'b|f !@,)@,(^# #@,@#,%&(

$= ;l6{ls]6 c l8kf]lh6\; — —

v_ shf{ ;fk6df %,%^,((,)*! #,%#,^),@)( != C0fkq tyf a08 #,@),)),))) #(,%!,))%

@= g]kfn /fi6« a}+saf6 k|fKt shf{ — —

#= cGt/ a}+s÷ljQLo ;++++++:yf shf{ @,#^,((,)*! #,!$,)(,@)$

$= cGo ;+ul7t ;++++:yf — —

%= cGo shf{ — —

u_ cGodf — —

!= ………… — —

@= ………… — —

?k}of“df

cg';"rL $=!(

hDdf *!,^@,)@,*() $(,*&,#$,@@@

hDdf &,(!,)$,@&& $,*$,($,^##

sldzg tyf l8:sfp06 cfDbfgL! >fj0f @)^% b]vL #! cfiff9 @)^^ ;Dd -h'nfO{ !^, @))* b]vL !% h'nfO{ @))( ;Dd_


s_ lan vl/b tyf l8:sfp06 !@,!!,#*^ !$,)),*#& != :jb]zL !@,!!,#*^ !$,)),*#& @= ljb]zL — —

v_ sldzg @,$^,(!,)%! @,)@,(),@)& != k|lttkq *#,*),*&@ *%,(&,)$# @= hdfgtkq &$,%^,(%) &^,#*,*@* #= sn]S;g L #,#(,*(% #,@*,(!$ $= /]ld6]G; L *$,&&,$() #$,^%,!)( %= qm]l86 sf8{ — — ^= z]o/ k|Tofe"lt÷lgisfzg — — &= ;/sf/L sf/f]af/ jfkt — — *= Ph]G;L sldzg jfkt #%,*$$ @,^),#!# (= a§f cfDbfgL — —

u_ cGo %,#@,)!,*$) @,^*,)#,%*(

?k}of“df

cg';"rL $=@)

37



hDdf cfDbfgL÷-gf]S;fg_ %,(),)!,&*! $,!*,)&,^@#

;6xL 36a9 cfDbfgL÷-gf]S;fgL_


s_ ljlgdo b/df ePsf] /saf6 #!,)!% $,^$,^$#

v_ ljb]zL d'b|f sf/f]af/af6 -a§f afx]s_ %,*(,&),&^^ $,!#,$@,(*)

?k}of“df

cg';"rL $=@@! >fj0f @)^% b]vL #! cfiff9 @)^^ ;Dd -h'nfO{ !^, @))* b]vL !% h'nfO{ @))( ;Dd_

hDdf !!,%(,*$,(!( *,(%,&),$#*

sd{rf/L vr{! >fj0f @)^% b]vL #! cfiff9 @)^^ ;Dd -h'nfO{ !^, @))* b]vL !% h'nfO{ @))( ;Dd_


!= tna %,$%,*#,#@$ $,!!,@^,*%!@= eQf #,@@,%@,%$& #,)!,*%,@)# s_ ;fwf/0f eQf !,^$,^%,^)# !,&&,!#,)#( v_ OGrfh{ eQf %@,%)) !!,^() u_ l/nf]s]zg eQf ^#,%## !,!*,^)% 3_ cfp6 :6]zg eQf &,(!,%#( $,%(,!)@ ª_ bz} eQf %^,%),@!) $%,@$,$@@ r_ ;jf/L dd{t eQf @,*#,#%) @,#^,$$) 5_ ljbf eQf *(,$%,*!@ &!,@!,()%#= ;~rosf]ifdf yk %!,@*,%*# $),!^,#%#$= tflnd vr{ #),^*,$)@ !(,(^,%)!%= kf]zfs — —^= cf}ifwf]krf/ #$,(!,#)% @*,##,**@&= aLdf #@,#$,))^ @%,)@,&***= pkbfg Joj:yf &$,@*,$&* @^,*),%^@(= cGo ^&,(*,@&$ $@,@*,@(* s_ Hofnf !^,@$,&&$ *,*&,^*^ v_ 6]n/ hf]lvd sf]if #,$^,$%( #,)),%(@ u_ cGo sd{rf/L ;'ljwf ##,$#,%*@ @#,%^,(#( 3_ cltl/Qm eQf !$,*#,$%( ^,*#,)*!

?k}of“df

cg';"rL $=@#

hDdf !,(&,$^,&@# !,&*,)%,@!)

cGo ;~rfng cfDbfgL! >fj0f @)^% b]vL #! cfiff9 @)^^ ;Dd -h'nfO{ !^, @))* b]vL !% h'nfO{ @))( ;Dd_


!= ;] l8kf]lh6 eN6sf] ef8f &,^(,)&% ^,(),)&%

@= qm]l86 sf8{ lgisfzg tyf gjLs/0f — —

#= 8]la6 sf8{ lgisfzg tyf gjLs/0f !,@),!),$%$ *(,@&,(&&

$= 6]n]S;÷6L=6L=÷l:j \6 @%,#&,^^^ #),&@,*^!

%= ;]jf z'Ns ##,)),%^* #(,#^,$(*

^= gjLs/0f z'Ns — —

&= cGo !!,@*,(^) !!,&&,&((

¿k}of“df

cg';"rL $=@!

38



hDdf !*,^%,)@,!^) !$,*!,$#,!#*

cGo ;~rfng vr{ ! >fj0f @)^% b]vL #! cfiff9 @)^^ ;Dd -h'nfO{ !^, @))* b]vL !% h'nfO{ @))( ;Dd_

ljj/0f

!= 3/ ef8f @,*$,!^,&)* @,^@,#^,*!$@= lah'nL / kfgL &*,($,))@ %$,$$,&)^#= dd{t tyf ;Def/ !$,^%,&## &,^*,%!& s_ ejg ^,&!,)*# — — v_ ;jf/L ;fwg &,($,^%) — — u_ cGo — — —$= aLdf @(,!%,^&$ @*,$),@*$%= kf]i6]h, 6]n]S;, 6]lnf]g, #ofS; !,#*,)&,#() !,!@,%),!#(^= sfof{no pks/0f tyf lg{r/ ;Def/ @&,%@,%!# !#,^%,)%@&= e|d0f eQf / vr{ $),*),^(# $%,*#,%&(*= d;nGb / 5kfO{ $*,(),@@! $*,!(,^&((= kqklqsf tyf k':ts @,#(,)## @,%*,!)&!)= lj1fkg @&,!%,$#& &),!#,(@@!!= sfg"gL vr{ *,#%,@&& *,%),(&#!@= rGbf %,**,(!! ^&,&))!#= ;~rfns ;ldlt ;DaGwL vr{ !(,!!,$@@ @%,*#,)%* s_ a}7s eQf !*,*),#$% — — v_ cGo vr{ #!,)&& — —!$= ;fwf/0f ;ef ;DaGwL vr{ !!,(%,^@^ *,^),!&%!%= n]vfk/LIf0f ;DaGwL — — s_ n]vfk/LIf0f z'Ns @,#!,))) $,^),%*$ ^,$#,$(& v_ cGo vr{ @,@(,%*$ — —!^= /sd :yfgfGt/0f sldzg — —!&= l:y/ ;DklQdf x|f; s§L $,(*,!%,(@) #,%),)!,^%%!*= k"j{ ;~rfng vr{ ckn]vg — —!(= z]o/ lgisfzg vr{ (,$!,()% (,^#,&$%@)= k|fljlws÷k]zfut ;]jf z'Ns — —@!= dgf]/~hg $,^@,#@) !,&^,%^!@@= ckn]vg vr{ — —@#= ;'/Iff vr{ !,)%,#@,&%$ ^(,##,$)$@$= shf{ ;'/If0f lk|ldod — —@%= sldzg tyf l8:sfp06 — —@^= cGo %,)%,*),)#& #,%$,*!,%&! s_ oftfoft ^),%!,*#& — ##,*$,@@^ v_ ljz]if1 z'Ns !*,^$,($& — !(,$^,!$% u_ hg;Dks{ vr{ !),$^,@#% — !#,&(,@^* 3_ a}+ls· tyf skf]{/]6 vr{ @^,$^,%*& — @!,@!,@&) ª_ s/]:kf]G8]08 a}+ls· z'Ns *,!),#() — ^,%%,$%) r_ z'Ns tyf s/x¿ !,)*,*@,#&* — *&,$@,&^& 5_ le;f z'Ns &*,)^,($^ — #(,^$,@(% h_ ljb]zL ljlgdo hDdf u/] jfktsf] g]=/f=a}+= z'Ns !,&&,)^,((* — !,)*,(),%&$ em_ d;nGb vr{ $,$#,%%( — $,#$,&@% `_ cl3Nnf] jif{x¿sf] vr{ — — *,$%,^)! 6_ xh{gf tyf gf]S;fgL — — @%,&(# 7_ ;/;fO{ !#,@),!^) — !),(!,$%&

?k}of“df

cg';"rL $=@$

o; jif{ ut jif{

39



u}/ ;~rfng cfDbfgL ÷-gf]S;fg_! >fj0f @)^% b]vL #! cfiff9 @)^^ ;Dd -h'nfO{ !^, @))* b]vL !% h'nfO{ @))( ;Dd_


!= nufgL laqmLaf6 cfDbfgL÷-gf]S;fg_ — —

@= ;DklQ laqmLaf6 cfDbfgL÷-gf]S;fg_ ^,&*,*)^ %,%%,%))

#= nfef+z — —

$= g]kfn /fi6« a}+saf6 k|fKt ;x'lnot — —

s_ tf]lsPsf] zfvfx¿sf] gf]S;fg jfkt Ifltk"lt{ — —

v_ Aofh Ifltk"lt{ — —

u_ ;6xL sfp06/ — —

%= cGo $,#@,*$& !,%),#@,**( v'b u}/ ;~rfng cfDbfgL÷-gf]S;fg_ !!,!!,^%# !,%%,**,#*(

?k}of“df

cg';"rL $=@^

hDdf %,&$,)#,))% ^,$),@#,&()

;Defljt gf]S;fgL Joj:yf! >fj0f @)^% b]vL #! cfiff9 @)^^ ;Dd -h'nfO{ !^, @))* b]vL !% h'nfO{ @))( ;Dd_


!= shf{ gf]S;fgL Joj:yfdf ePsf] j[l4 %,&$,)#,))% ^,!!,!#,#!!

@= nufgL gf]S;fgL Joj:yfdf ePsf] j[l4 — —

#= u}/ a}+ls· ;DklQ gf]S;fgL Joj:yf — !*,$%,!%%

$= cGo ;DklQdf ul/Psf] Joj:yf — !),^%,#@$

?k}of“df

cg';"rL $=@%

;Defljt gf]S;fgL Joj:yfaf6 lkmtf{! >fj0f @)^% b]vL #! cfiff9 @)^^ ;Dd -h'nfO{ !^, @))* b]vL !% h'nfO{ @))( ;Dd_


!= shf{ gf]S;fgL Joj:yfaf6 ltf{ $,@&,*!,#)* &@,$),(^$

@= u}/ a}+ls· ;DklQ gf]S;fgL Joj:yfaf6 ltf{ $@,#(,*#( —

#= nufgL Joj:yfaf6 ltf{ — —

$= cGo ;DklQsf] Joj:yfaf6 ltf{ — — hDdf $,&),@!,!$& &@,$),(^$

?k}of“df

cg';"rL $=@&

40



hDdf -*,&^,)#!_ -$%,#!,)^*_

c;fdfGo sf/f]af/af6 ePsf]] cfDbfgL÷-vr{_! >fj0f @)^% b]vL #! cfiff9 @)^^ ;Dd -h'nfO{ !^, @))* b]vL !% h'nfO{ @))( ;Dd_


!= ckn]vg ePsf] shf{sf] c;'nL — —

@= :j]lR5s cjsfz vr{ — —

#= c;'nL x'g g;Sg] shf{sf] ckn]vg -@* s_ -*,&^,)#!_ -$%,#!,)^*_

$= cGo -vr{_÷cfDbfgL — —

?k}of“df

cg';"rL $=@*

ckn]lvt shf{sf] ljj/0f! >fj0f @)^% b]vL #! cfiff9 @)^^ ;Dd -h'nfO{ !^, @))* b]vL !% h'nfO{ @))( ;Dd_

?k}of“df

cg';"rL $=@*-s_

qm=;+=

shf{ k|sf/ ckn]vg ul/Psf] /sd

lwtf]sf] k|sf/ tyf

/sd

lwtf] d"Nof°gsf] cfwf/

shf{ :jLs[t ug]{ clwsf/L / tx

shf{ c;'nLsf nflu eP u/]sf k|of; s}lot

! laN; vl/b !,#!,%@( k|d'v sfo{sf/L clws[t

C0fLnfO{ shf{ r"Qf e"Qmfg ug{sf nflu laleGg ldltdf lnlvt tyf df}lvs ?kdf t/tfs]tf u/LPsf] . C0fLsf] gfd shf{ ;'rgf s]Gb|sf] sfnf] ;'lrdf ;dflai6 /x]sf] . g]=/f=a}= sf] shf{ ckn]vg ;DalGw ljBdfg Joa:yf tyf o; a}+ssf] shf{ ckn]vg ;DalGw lglt cg"?k, kf“r aif{ eGbf al9 ;do ;Dd shf{ aSof}tf /x]sf]n] pQm /sd ckn]vg ul/Psf] .

s]=l;= P08 sDkgL

@ ;jf/L ;fwg shf{

(#,&%& ef]Ph/ dfOqmf]a;

;jf/L ;fwg laqm]tfn]

k]z u/]sf] b/efp kq

k|d'v–l/6]n a}+ls·, k|d'v–shf{ ljefu tyf ;xfos

dxfk|aGws

C0fLnfO{ shf{ r"Qmf e"Qmfg ug{sf nflu laleGg ldltdf lnlvt tyf df}lvs ?kdf t/tfs]tf ul/Psf] . lnnfd las|Lsf] uf8L pkTosfdf rnfpg aGb]h x"g] / pkTosf aflx/ uf8L lnnfd ug{ Aojxfl/s sl7gfO{ kg]{ x'bf tyf uf8Lsf] af:tljs d"No k|fKt gx'g] sf/0fn] ubf{ cGttM dfOs|f]a; tyf oftfoft Aofj;foL;“usf] ljleGg a}7s kZrft ;xdltsf] cfwf/df uf8L las|L ul/Psf] .

lx/f s'df/L 7s'/L

# ;jf/L ;fwg shf{

#,*%# dlxGb| lhk %&^


k]z u/]sf] b/efp kq

k|d'v–l/6]n a}+ls·, k|d'v–shf{ ljefu, ;xfos dxfk|aGws tyf k|d'v sfo{sf/L

clws[t

C0fLnfO{ shf{ r"Qmf e"Qmfg ug{sf nflu laleGg ldltdf lnlvt tyf df}lvs ?kdf t/tfs]tf ul/Psf] . C0fL4f/f a}+s ;dIf k]gfn Aofh ldgfx ul/lbg cg"/f]w eO{ cfPsf] x'bf, pQm 5'6 lbP jfkt ;Dk'0f{ C0F shf{ r"Qmf x'g] l:ylt /x]sf]df lgldQ k|d"v sfo{sf/L clws[taf6 pQm /sd ckn]vg ug{ l:js[t ePsf] .

/d]z s'df/ v8\sL

$ ;jf/L ;fwg shf{

$,!*,*(@ ef]Ph/ dfOqmf]a;


k]z u/]sf] b/efp kq

k|d'v–shf{ ljefu tyf ;xfos

dxfk|aGws

C0fLnfO{ shf{ r"Qmf e'Qmfg ug{sfnflu laleGg ldltdf lnlvt tyf df}lvs ?kdf t/tfs]tf ul/Psf] . lnnfd las|Lsf] uf8L pkTosfdf rnfpg aGb]h x'g] / pkTosf aflx/ uf8L lnnfd ug{ Aojxfl/s sl7gfO{ kg]{ x'“bf tyf uf8Lsf] af:tljs d"No k|fKt gx'g] sf/0fn] ubf{ cGttM dfOs|f]a; tyf oftfoft Aofj;foL;“usf] ljleGg a}7s kZrft\ ;xdltsf] cfwf/df uf8L las|L ul/Psf]

/fd s'df/ ;'gfd

% clwljsif{ shf{

@,@*,))) hUuf, :6s,

cf;fdL, JolQmut hdfgL

a}+ssf] cflwsf/Ls d"Nof°gstf{åf/f ul/Psf] d"No

lgwf{/0f

k|d'v–shf{ ljefu, ;xfos dxfk|aGws tyf k|d'v sfo{sf/L

clws[t

C0fLnfO{ shf{ r"Qmf e'Qmfg ug{sf nflu laleGg ldltdf lnlvt tyf df}lvs ?kdf t/tfs]tf ul/Psf] . a}såf/f #% lbg] ;fj{hlgs ;'rgf ;d]t O{=;= @))* dfr{ #! df k|sflzt ul/Psf] . C0fL nfdf] ;dob]lv a}ssf] ;Dks{df g/x]sf] / xfn ;o"Qm /fHo cd]l/sfdf a;f]af; ub}{ cfPsf] s'/f hfgsf/Ldf cfPsf] . lghn] lbPsf] lwtf] gjnk/fl; lhNnfdf cal:yt /x]sf] / xfn t/fO{ k|b]zdf ljBdfg /fhlglts cl:y/tf / lju|bf] ;'/Iffsf] sf/0fn] lnnfd ug{ Jofjxfl/s sl7gfO{ kg]{ x'“bf cGttM C0fLsf] cGo kfl/jfl/s ;b:o;“u cfk;L ;dembf/Ldf ?k}of c7f/ nfv bz xhf/ c;'n u/L af“sL /sd ckn]vg ul/Psf] -;fjf+ /sd eGbf ?= !#@,)))÷— a9L c;'n pk\/ u/L tyf shf{ cjlwe/ (=@%" n] Aofh kfpmg] u/L shf{ ckn]vg ul/Psf]_ .

n'gf 6«]8 OG6/g]zn

hDdf *,&^,)#!

41



;~rfns, sfo{sf/L k|d'v, ;+:yfks, sd{rf/L tyf Ps k|ltzteGbf a9L z]o/ lng] z]o/xf]N8/x¿nfO{ uPsf] shf{ ;fk6 ljj/0f

#! cfiff9, @)^^ -h'nfO{ !%, @))(_ ?k}of“df

cg';"rL $=@(

;+:yfks÷;~rfns÷sfo{sf/L k|d'vsf] gfd

!_ ;~rfns — — — — — — — @_ sfo{sf/L k|d'v — — — — — — —

#_ ;+:yfks — — — — — — —

$_ sd{rf/L — — — — — — —

%_ z]o/wgLx¿ — — — — — — —

;f“jf Aofh ;f“jf Aofho; jif{

yk shf{ ;f“jf Aofh

ut jif{sf] af“sL o; jif{ c;'nL cfiff9 d;fGt;Dd af“sL

hDdf — — — — — — —

vl/b tyf l8:sfpG6 ul/Psf lanx¿ / shf{, ;fk6 tyf clwljsif{df k|jflxt s'n /sddWo] ;~rfns, sfo{sf/L k|d'v, ;+:yfks, sd{rf/L, z]o/ xf]N8/x¿ / lghx¿sf] kl/jf/sf ;b:o jf To:tf JolQm hdfgL a;]sf] jf d}g]lh· Ph]G6 ePsf] s'g} ;+:yf jf sDkgLnfO{ uPsf] /sdsf] ljj/0f b]xfo adf]lhd 5 .

42



k'“hLsf]if tflnsf! >fj0f @)^% b]vL #! cfiff9 @)^^ ;Dd -h'nfO{ !^, @))* b]vL !% h'nfO{ @))( ;Dd_


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@=%= nfef+z cfo

z]o/ nufgLaf6 k|fKt nfef+z cfonfO{ gub k|flKtsf cfwf/df n]vf°g ul/Psf] 5 .

@=^= ljb]zL d"b|fsf] sf/f]af/sf] ¿kfGt/

c_ @)^% cfiff9 d;fGtdf nfu' ePsf] vl/b tyf laqmL b/sf] cf};t d"Nosf] cfwf/df ;a} ljb]zL d'b|f ;DklQ tyf bfloTjnfO{ g]kfnL ¿k}“ofdf ¿kfGtl/t u/L n]vf°g ul/Psf] 5 .

cf_ ljb]zL d'b|fsf] vl/b b/ / laqmL b/sf] leGgtfaf6 k|fKt cfonfO{ gff÷gf]S;fg lx;fadf ljb]zL sf/f]af/ cfo cGtu{t b]vfOPsf] 5 .

O_ ljb]zL d'b|fsf] ;6xL b/df ePsf] 36a9sf] sf/0f k|fKt x'g cfPsf] k'gd"{Nof°g cfonfO{ æk'gd"{Nof°g cfDbfgL÷-gf]S;fgL_Æ cGtu{t b]vfOPsf] 5 .

@=& Aofh vr{

lgIf]k bfloTj tyf a}+sn] lnPsf] ;fk6Ldf ltg'{kg]{ AofhnfO{ kfs]sf] cfwf/df n]vf°g ul/Psf] 5 .

50



@=* shf{, ;fk6, clwljsif{ tyf lan vl/b

o; zLif{sdf u|fxsnfO{ k|bfg ul/Psf k|ToIf shf{x¿ kb{5g\ . o;cGtu{t clwljsif{, JolQmut shf{, bL3{sfnLg shf{, pkef]Qmf shf{ tyf k|fyldstf k|fKt / ljkGg ju{ shf{x¿ /x]sf 5g\ h'g g]kfn /fi6« a}+ssf] lgb]{lzsfsf] clwgdf /xL hf]lvdsf] cfwf/df jlu{s[t 5g\ . pk/f]Qm shf{, ;fk6, clwljsif{ / lan vl/b /sdnfO{ shf{ gf]S;fgL Joj:yf 36fO{ v'b /sd jf;nftdf b]vfOPsf] 5 .

@=( sd{rf/L shf{

sd{rf/L shf{ tyf ;fk6Lx¿ a}+ssf] lgodfg';f/ k|bfg ul/Psf] 5 / ;f] /sdnfO{ æcGo ;DklQx¿Æ zLif{scGtu{t b]vfOPsf] 5 .

@=!) shf{ gf]S;fgL Joj:yf

g]kfn /fi6« a}+ssf] lgb]{lzsfsf] cfwf/df shf{, ;fk6, clwljsif{ tyf lan vl/bnfO{ juL{s/0f u/L !" b]lv !))" ;Dd shf{ gf]S;fgL Joj:yf ul/Psf] 5 .

@=!! c;dfGo lzif{sx¿

c;fdfGo lzif{sx¿nfO{ g]kfn /fi6«a}+ssf] lgb]{zg adf]lhd b]vfO{Psf] 5 . h'g g]kfn Psfpl06· :6\\of808{ cg'?k 5}g .

@=!@ shf{ tyf ;fk6L ckn]vg

v/fa >]0fLdf jlu{s[t shf{nfO{ g]kfn /fi6« a}+såf/f :jLs[t a}+ssf] shf{ ckn]vg ljlgdodfjnLcg'¿k ckn]vg ul/Psf] 5 . cl3Nnf jif{x¿df ckn]vg ul/Psf] shf{ c;'nL x'g uPdf c;'nL ePsf] jif{ gff gf]S;fg lx;fadf cfDbfgL hgfpg] ul/Psf] 5 .

@=!# nufgL

;/sf/L ;'/If0f kqx¿df ul/Psf] nufgLnfO{ nfut d"Nodf n]vf°sg ul/Psf] 5 . & lbgeGbf dflysf] cGt/a}+s nufgLnfO{ nfut d"Nodf n]vf°g ul/Psf] / nufgfL lzif{scGtu{t b]vfOPsf] 5 . ;fy}, shf{ ;"rgf s]Gb|sf] z]o/df ul/Psf] nufgL / g]kfn ljB't k|flws/0faf6 hf/L C0fkqdf ul/Psf] nufgLnfO{ ;d]t nfut d"Nodf n]vf°g ul/Psf] 5 .

@=!$ l:y/ ;DklQ, x|f;s§L tyf kl/zf]wg

-c_ l:y/ ;DklQx¿ P]ltxfl;s nfut cjwf/0ff (Historical Cost convention) sf] cfwf/df b]vfOPsf] 5 .

-cf_ sDKo"6/ ;km\6j]o/ afx]ssf l:y/ ;DklQx¿sf] x|f;s§L cfos/ P]g @)%* n] lglb{i6 u/]cg'¿k 36\bf] x|f;s§L k|0ffnLcg';f/ ul/Psf] 5 .

-O_ a}+ssf] cfkm\gf] ;DklQsf] k"/f d"No k'“hLs[t u/]kl5 dfq x|f; s§Lsf] yfngL ug]{ gLlt /x]sf] 5 .

-O{_ sDKo"6/ ;km\6j]o/ -h;nfO{ l:y/ ;DklQdf ;dfj]z ul/Psf] 5_ sf] nfutnfO{ kf“r jif{sf] cjlwdf ;dfg ¿kdf kl/zf]wg ug]{ gLlt lnPsf] 5 .

-p_ e'QmfgL lbg af“sL /x]sf] ;DklQsf] d"NonfO{ ædfu{:y :yL/ ;DklQÆ cGtu{t b]vfpg] ul/Psf] 5 .

-pm_ k§f ljsf; nfut (Leasehold development cost) nfO{ kf“r jif{ jf k§fsf] cjlwdWo] h'g sd x'G5 ;f]xL ;doleq kl/zf]wg ug]{ gLlt lnPsf] 5 .

-P_ d]lzg/Lsf] x|f;s§L @%" k|ltztsf] b/n] 36\bf] x|f;s§L k|0ffnL cg';f/ ul/Psf] 5 .

@=!% k|:tfljt nfef+z

g]kfn /fi6« a}+ssf] lgb]{zgsf] clwgdf /xL nfef+z k|:tfj ul/Psf] 5 . h"g g]kfn Psfpl06ª\ :6\of088{ cg"?k 5}g .

@=!^ lnh ef8f

a}+sn] s/f/df lnPsf] ;Dk"0f{ lnh ef8f ;+rfng lnh (Operating Lease) xf] . o; ;+rfng lnhcGtu{t k|bfg ul/g] e'QmfgLnfO{ dfl;s ¿kdf cGo ;+rfng vr{cGtu{t gff gf]S;fg lx;fadf n]vf°g ug]{ ul/Psf] 5 .

51



@=!& sd{rf/L cjsfz ;'ljwf

a}+ssf] sd{rf/L pkbfg sf]if tyf ;+ro sf]if u/L b'O{j6f cjsfz sf]ifx¿ 5g\ . sd{rf/L pkbfg sf]if tyf ;+ro sf]ifx¿ cfh{gsf] cfwf/df u0fgf u/L sd{rf/L vr{ n]lvPsf] 5 . sd{rf/L pkbfg bfloTjnfO{ cGo bfloTj lzif{scGtu{t ;dfj]z ul/Psf] 5 . a}+ssf] cjsfz sf]ifx¿sf] lgodcg'¿kg} :jLs[ltk|fKt cjsfz sf]ifdf /sd :yfgfGt/0f ul/Psf] 5 .

@=!* cfos/

rfn' cfos/

rfn' cfos/;DaGwL Joj:yf, cfos/ P]g @)%* sf Joj:yfx¿ tyf ;+zf]lwt lgodx¿sf] cfwf/df ul/Psf] 5 .

:yug s/

:yug s/ ljQLo ljj/0f cg';f/sf] ;DklQx¿ tyf bfloTjx¿ / s/ cfwf/sf] ;DklQ tyf bfloTjx¿sf] c:yfO{ leGgtfaf6 pTkGg x'G5 . :yug s/ xfnsf] s/sf] b/n] u0fgf u/L lgwf{/0f ul/Psf] 5 / ;f]xL b/df :yug s/ ;DklQ tyf bfloTjsf] ;dfof]hg x'g] cg'dfg ul/Psf] 5 .

c:yfO{ leGgtf d"ntM l:y/ ;DklQsf] x|;s§L, z]o/ nufgLdf x|f; afktsf] Joj:yfaf6 pTkGg x'G5 . :yug s/ ;DklQnfO{ eljiodf kof{Kt s/of]Uo cfo l;lh{t eO{ pQm s/of]Uo cfodf ;dfof]hg ug{ ;Sg] cg'dfg u/L n]vf°g ul/Psf] 5 .

;'?sf] df}Hbftdf ePsf] c:yfO{ leGgtfnfO{ OSjL6Ldf ;dfj]z ul/Psf] 5 / cfufdL jif{x¿df x'g] c:yfO{ leGgtfnfO{ gff–gf]S;fg lx;fadf n]vf°g ul/g] 5 .

@=!( :6]zg/L df}Hbft

vl/b ul/Psf :6]zg/L pkof]u ul/Psf] ;dodf vr{ n]vf°g ul/Psf] 5 .

@=@) u}/ a}+ls· ;DklQ

u}/ a}+s· ;DklQnfO{ ahf/ d"No jf ;sf/ ul/Psf] Ps lbg cl3sf] af“sL ;f“jf /sddWo] h'g sd x'G5 ;f]xL d"Nodf d"Nof°g ul/Psf] 5 . u}/ a}+ls· ;DklQsf nflu g]kfn /fi6« a}+ssf] lgb]{zgadf]lhd Joj:yf ul/Psf] 5 .

@=@! Joj:yf, ;+efljt bfloTj/ / ;+efljt ;DklQ

ljutsf ultljwLsf] sf/0fn] ;[hgf ePsf] xfnsf] bfloTj h;nfO{ cg"dfg ug{ ;lsG5 / ;f]df gub k|jfx x'g] ;+efjgf /x]sf] 5, ;f]nfO{ Joj:yf lzif{s cGtu{t b]vfOPsf] 5 . eljiodf gub k|jfx x'g] ;+efjgf g/x]sf] t/ ;f] x'g klg ;Sg] sf/f]af/x¿nfO{ ;+efljt bfloTj cGtu{t b]vfO{Psf] 5 . eljiodf gub k|jfx x'g] ;+efjgf g/x]sf bfloTj tyf ;DklQnfO{ b]vfOPsf] 5}g .

# c+sx¿sf] juL{s/0f

c+sx¿nfO{ lgs6td ¿k}“ofdf b]vfOPsf] 5 . ut jif{sf] c+sx¿ cfjZostfg';f/ k'gM juL{s/0f ul/Psf] 5 .

52



cg';"rL $=##

n]vf ;DaGwL l6Kk0fLx¿

!= sd{rf/L af]g; Joj:yf

sd{rf/L af]g; Joj:yf af]g; P]gcg';f/ ul/Psf] 5 .

@= sd{rf/L cfjf; sf]if

sd{rf/L 3/ shf{ a}+ssf] lgodcg';f/ k|bfg ug]{ ul/Psf] 5 . >d P]g, @)$* cg';f/sf] 5'§} xfphLª sf]ifsf] Joj:yf ul/Psf] 5}g .

#= ;fdfGo hu]8f sf]if

g]kfn /fi6« a}+ssf] lgb]{zgcg';f/ k|To]s jif{sf] gffaf6 @)" ;fdfGo hu]8f sf]ifdf /sdfGt/0f ul/Psf] 5 .

$= s/ 5f}{6÷aSof}tf

a}+sn] :jod\ lgwf{/0f u/]sf cf=j=@)^@÷^#, @)^#÷^$ / @)^$÷^% sf] s/ cfGtl/s /fhZj sfof{noaf6 kl/If0fsf] k|lqmof cufl8 a9fpg af“sL /x]sf] 5 .

%= pkbfg Joj:yf

a}+sn] cf=j= @)^%÷^^ df ?= &$,@*,$&* -ut cf=j= ?= @^,*),%^@_ pkbfgsf] Joj:yf u/]sf] 5 . pkbfgsf nflu of]Uo a}+ssf sd{rf/Lx¿sf] pkbfg jfktsf] /sd lghsf] x/]s jif{sf] cfodf u0fgf u/L cfos/ P]g @)%* cg';f/ cfos/ lgwf{/0f ug]{ a}+ssf] Joj:yf /x]sf] 5 .

^= nfef+z tyf af]g;

;+rfns ;ldltsf] lg0f{o adf]lhd v'b !)" af]g; ;]o/ k|:tfj ul/Psf] 5 ;fy} sfnf];'rLdf /x]sf !),*)) lsQf xsk|b z]o/sf wgL xfn sfnf];'rLaf6 x6]sfn] pQm z]o/n] kfpg] @)^$÷)^% sf] v'b !)" af]g; z]o/ tyf ;f];lxt @)^%÷)^^ sf] k|:tfljt v'b !)" af]g; z]o/sf] ;d]t gff÷gf]S;fg af“8f“8 lx;fadf Joj:yf ul/Psf] 5 .

&= lng af“sL /x]sf] nfef+z

;f] gePsf] .

*= r'Qmf k'“hL

a}+ssf] r'Qmf k'“hLdf ljleGg jif{x¿df b]xfos adf]lhdsf] kl/jt{g ePsf] 5 . ?= bz nfvdf

cf=j= hDdf r'Qmf k'“hL s}lot

@)%&÷%* #%) –

@)%*÷%( #%) –

@)%(÷^) #%) –

@)^)÷^! %)) ;j{;fwf/0fdf ?= !% s/f]8 a/fa/sf] z]o/ hf/L ul/Psf]

@)^!÷^@ ^@% -$M!_ cg'kftfdf ?= !@ s/f]8 %) nfv xsk|b z]o/ hf/L ul/Psf]

@)^@÷^# &%) ?= !@ s/f]8 %) nfv a/fa/sf] af]g; z]o/ hf/L ul/Psf]

@)^#÷^$ ()) ?= !% s/f]8 a/fa/sf] af]g; z]o/ hf/L ul/Psf]

@)^$÷^% !,)&) a}+sn] cf=j= @)^#÷^$ df ?= !* s/f]8 a/fa/sf] xsk|b z]o/ lgisfzg u/]sf] dWo] ?= !& s/f]8 a/fa/sf] /sdnfO{ k'“hLs[t ul/Psf] 5 . tyfkL jf;nftsf] ;xL x'g] avt;Dd yk ?= *,@&@ xhf/ /sd k'“hLs[tL ul/;lsPsf] 5 .

2065÷066 1,18,6=099 cf=j= @)^$÷)^% df !)" af]g; z]o/ tyf !%" xsk|b z]o/ hfl/ u/]sf]df af]g; z]o/nfO{ z]o/k'“hLdf b]vfOPsf] tyf xsk|b z]o/ xfn hfl/ x'g] k|lqmofdf /x]sf] .

53



(= 3/hUufsf] laqmL

a}+sn] cf=j= @)^%÷^^ df gS;fnl:yt /x]sf] o; a}+ssf] :jfldTjdf /x]sf] ?= &,%%,#@#=*) a's Eofn' /x]sf] ejgnfO{ l/g]d]zgsf] nflu eTsfO{ ;f] afkt ?= *,)),))) cfDbfgL u/]sf] 5 .

!)= s]=la=Pn= jG8 @)&)

a}+sn] cf=j= @)^$÷^% df ?= $) s/f]8 a/fa/sf] s]=la=Pn= jG8 @)&) lgisfzg u/]sf] 5 . ;f] j08sf] e'QmfgLsf nflu a}+sn] o; jif{ ?= (,%),)),)))÷– k'“hL lkmtf{ hu]8f sf]ifdf /sdfGt/0f u/]sf] 5 .

!!= :yug s/

:yug s/ ljQLo ljj/0f cg';f/sf] ;DklQ tyf bfloTj / s/ cfwf/ cg';f/sf] ;DklQ tyf bfloTjsf] c:yfO{ /sdf #)" sf] s/ b/n] lgwf{/0f ul/Psf] 5 .

:yug s/ ;DklQ tyf bfloTjsf] ljj/0f lgGgcg';f/ 5 .

@)^% cfiff9 d;fGtsf]

df}Hbft

o; jif{df ePsf] kl/jt{g @)^^ cfiff9 d;fGtsf]

df}Hbft

:yug s/ ;DklQ

l:y/ ;DklQ – ^@,(@,##$ ^@,(@,##$

s'n :yug s/ ;DklQ – ^@,(@,##$ ^@,(@,##$

:yug s/ bfloTj – – –

l:y/ ;DklQ -!&,*$,$$#_ !&,*$,$$# –

v'b :yug s/ ;DklQ÷-bfloTj_ -!&,*$,$$#_ *),&^,&&& ^@,(@,##$

@)^$ cfiff9 d;fGt;Ddsf] v'b :yug s/ ;DklQnfO{ OSjL6Ldf -;l~rt d'gffdf_ n]vf°g ul/Psf] / o; cf=j= df ePsf] 36a9nfO{ gff–gf]S;fg vftfdf n]vf°g ul/Psf] 5 .

!@ lx;fa ldnfg geO{ aSof}tf /x]sf Ph]G;L lx;fax¿ ?= bz nfvdf

ljj/0f s'n /sd ! jif{;Dd !–# jif{ # jif{eGbf a9L

Ph]G;L vftf -!$$=%^_ -!$$=%^_ – –

!# o; jif{sf] shf{ ljt/0f, c;'nL tyf af“sL

o; jif{sf] shf{ ljt/0f, c;'nL tyf af“sL o; k|sf/ 5M– ?= bz nfvdf

ut jif{;Ddsf] /sd ?= hDdf ljt/0f ?= hDdf c;'nL ?= af“sL ?=

!!,%@@ !),**# &,^!) !$,&(%

!$ lgIf]k bfloTj zLif{sdf ePsf] kl/jt{g

lgIF]k bfloTj zLif{sdf ePsf] kl/jt{ o; k|sf/ 5M– ?= bz nfvdf

ut jif{ ;Ddsf] /sd ?= ljt/0f o; jif{sf] /sd ?= kl/jt{g ?=

^)@ != rNtL lx;fa &*) !&*

%&! s_ :jb]zL d'b|f &%( !**

#! v_ ljb]zL d'b|f @! -!)_

$,!#( @= art lx;fa $,!&) #!

#,(^@ s_ :jb]zL d'b|f $,)^# !)!

!&& v_ ljb]zL d'b|f !)& -&)_

#,*)) #= d'2tL lx;fa $,%@& &@&

#,$&# s_ :jb]zL d'b|f $,%)& !,)#$

54



#@& v_ ljb]zL d'b|f @! -#)^_

$,!@% $= sn lx;fa ^,!#^ @,)!!

$,)&# s_ :jb]zL d'b|f ^,)** @,)!%

%@ v_ ljb]zL d'b|f $* -$_

!!) %= dflh{g lx;fa (* -!@_

!!) s_ :jb]zL d'b|f (* -!@_

) v_ ljb]zL d'b|f – –

!@,&&% hDdf lgIf]k !%,&!! @,(#^

!%= lgIf]k / shf{sf] efl/t cf};t Aofhb/sf] cGt/

ljj/0f k|ltzt

Aofh nfUg] ;DklQsf] Aofhsf] efl/t cf};t b/ (=(*

Aofh nfUg] ;DklQsf] Aofhsf] efl/t cf};t b/ %=*!

efl/t cf};t Aofh b/ cGt/ $=!&

!^= ckn]vg x'g af“sL vr{sf] ljj/0f ?= bz nfvdf

ljj/0f jf:tljs d"No vr{ s6fPsf] af“sL ?=

;km\6j]o/ !* !! &

lnh xf]N8 vr{ %$ @( @%

!&= t/ntf;DaGwL hf]lvd Go"gLs/0f ug{ e'QmfgL cjlwsf] cfwf/df ul/Psf] ;DklQ tyf bfloTjsf] juL{s/0f ?= bz nfvdf

ljj/0f !–() lbg (!–!*) lbg !*!–@&) lbg @&!–#^% lbg ! jif{eGbf a9L hDdf

;DklQ

gub df}Hbft %$( – – – – %$(

a}+s df}Hbft !,@@& – – – – !,@@&

ljb]zL a}+sdf ul/Psf] nufgL – – – – – –

g]kfn ;/sf/sf] C0fkq – – – – !(& !(&

g]kfn /fi6« a}+ssf] C0fkq – – – **@ – **@

cGt/ a}+s shf{ @#) @!@ – – – $$@

shf{ ;fk6 !),^%@ @)* !#( @( #,&^& !$,&(%

hDdf ;DklQ !@,^%* $@) !#( (!! #,(^$ !*,)(@

bfloTj – – – – – –

;fk6L @(# – – – – @(#

rNtL÷sn lx;fa &&& – – – !)) *&&

art lx;fa ^,!#^ – – – $!&) !),#)^

d'2tL lx;fa – – )=$ @,^(@ !,*#% $,%@&

C0f kqx¿ – – – – – –

s'n bfloTj &,@)^ – )=$ @,^(@ ^,!)% !^,))#

v'b ljQLo ;DklQ %,$%@ $@) !#( -!,&*!_ -@,!$!_ @,)*(

;l~rt v'b ljQLo ;DklQ %,$%@ %,*&@ ^,)!! $,@#) @,)*( –

!*= cfkm\g} ;DklQsf] lwtf] /fvL ;fk6L lnPsf] ljj/0fM

;f] gePsf] .

55



;+:yfks÷;+:yfks ;d"xsf z]o/wgLn] cf"gf] :jfldTjdf /x]sf] z]o/ cGo a}+s tyf ljQLo ;+:yfdf lwtf] /fvL shf{ lnPsf] ljj/0f

#! cfiff9 @)^^ -h'nfO{ !%, @))(_ cg';"rL $=#$

qm+=;+=;+:yfks÷;+:yfks ;d'x cGtu{t kg]{ z]o/wgLsf]

gfd

;+:yfkssf] :jfldTjdf sfod /x]sf] z]o/

shf{ ljj/0f

s}lots'n lsQf ;+Vof s'n r'Qmf k'“hLsf] " shf{ lnPsf] cGo a}+s÷ljQLo

;+:yfsf] gfdshf{ ljj/0f lwtf]df /x]sf] z]o/

lsQf ;+Vof

! o1 k|tfk /f0ff !,&@,)*$ !=$% g]kfn OGe]i6d]G6 a}+s ln= %(,)))

@ /fh]Gb| bf; >]i7 @#,&^) )=@) Unf]an a}+s ln= %,)))

df5fk'R5«] a}+s ln= !,)))

# led s[i0f pbf; !,!*,*)) !=)) ;flgdf ljsf; a}+s ln= %),)))

$ hgs /fh jfUn] $,&%@ )=)$ jL/u~h fOgfG; ln= @,)))

% 'af{ afª\b]n nfdf !,!*,*)) !=)) glan a}+s ln= @),)))

^ uf]ljGb bf; >]i7 !,&*,@)) !=%) n'lDagL a}+s ln= #),)))

n'lDagL a}+s ln= $%,)))

& ljBF s[i0f >]i7 @,!&,*)) !=*$ k|fOd sdl;{on a}+s ln= &%,)))

* clgn bf; >]i7 !,!*,*)) !=)) n'lDagL a}+s ln= @),)))

Unf]an a}+s ln= #),)))

( nId0f >]i7 &,!@,*)) ^=)! :6\of088{ fOgfG; ln= (%,)))

k|'8]lG;on fOgfG; ln= ^%,)))

cfO{=Pn=P=l;= fOgfG; ln= !,)%,)))

l;4fy{ a}+s ln= %,)))

uf]vf{ 8]enkd]G6 a}+s ln= #),)))

!) cfG6' >]i7 (@,^^$ )=&* k|'8]lG;on fOgfG; ln= #(,)))

!! ;'lgn gGb l;+x k|wfg !!,**) )=!) nlntk'/ fOgfG; ln= %,)))

!@ dfwj s'df/ a:g]t !!,**) )=!) nlntk'/ fOgfG; ln= %,)))

!# lzj z+s/ cu|jfn !,)$,)^* )=** g]kfn OGe]i6d]G6 a}+s ln= !$,%))

!$ ;f]L pkfWofo %&,)@$ )=$* n'lDagL a}+s ln= @$,)))

!% tf/f /f0ff !!,**) )=!) l;4fy{ a}+s ln= %,)))

!^ k]uL kf08] @#,&^) )=@) l/nfoan fOgfG; ln= %,)))

!& ;Ltf u'?· #%,^$) )=#) lxdfnog a}+s ln= %,)))

!* ;fljqL u'?· $,&%,@)) $=)! g]kfn OGe]i6d]G6 a}+s ln= !,*),)))

l;l6hG;\ a}+s OG6/g]zgn ln= @))))

!( sdn yfkf !(,))* )=!^ xf/tL df ;]le· P08 qm]l86 sf]–ck/]l6e ln=

#,)))

@) cfTdf /fd d'/f/sf *#,!^) )=&) df5fk'R5«] a}+s ln= #%,)))

@! k|lbk s'df/ d'/f/sf *#,!^) )=&) df5fk'R5«] a}+s ln= #%,)))

@@ kz'klt d'/f/sf *#,!^) )=&) df5fk'R5«] a}+s ln= #%,)))

@# g/]z b'u8 *#,!^) )=&) Pg=cfO{=l;= a}+s ln= #%,)))

@$ s'd'b s'df/ b'u8 !,)!,#!) )=*% Pg=cfO{=l;= a}+s ln= #%,)))

@% ljsfz b'u8 *#,!^) )=&) Pg=cfO{=l;= a}+s ln= #%,)))

@^ a5f /fh tft]8 $&,%@) )=$) Pg=cfO{=l;= a}+s ln= @),)))

@& cfgGb s'df/ l/ª\uf6f #%,^$) )=#) g]kfn P;=la=cfO{= a}+s ln= !%,)))

@* hLjg g]kfn @#,&^) )=@) a}+s c Plzof g]kfn ln= %,)))

@( an/fd Gof}kfg] @#,&^) )=@) k|fOd sdl;{on a}+s ln= %,)))

l;4fy{ a}+s ln= %,)))

#) dxflj/ k|;fb uf]on !,%^,*!^ !=#@ df5fk'R5«] a}+s ln= ^%,)))

#! u+uf cdfTo $(,%)) )=$@ k|fOd sdl;{on a}+s ln+= @%,)))

#@ e'jg]Zj/L kGt $&,%@) )=$) cf=l;=P=l;= ljQLo ;+:yf ln= @),)))

56



n]vfk/LIf0f gePsf] / n]vfk/LIf0f ePsf] ljQLo glthfsf]

t'ngfTds ljj/0fcfly{s jif{ @)^%÷^^

qm=;+= ljj/0f

!= s'n k'“hL tyf bfloTj -!=! b]lv !=& ;Dd_ !,*%,##,@@^ !,*%,#*,%^% -%,##(_ –

!=! r'Qmf k'“hL !!,*^,)(( !!,*^,)(( – )=))

!=@ hu]8f tyf sf]ifx¿ $,%!,*)) $,$%,$#& ^,#^@ !=$! k|:tfljt af]g; z]o/df s/ tyf tn

n]lvP adf]lhd cfDbfgL / vr{

!=# C0fkq tyf a08x¿ $,)),))) $,)),))) ) –

!=$ ;fk6L @,(#,$@) @,(#,$@) ) –

!=% lgIf]kx¿ -s±v_ !,%&,!),(@% !,%&,!),(@% ) )=))

s= :jb]zL d'b|fdf !,%%,!$,%#^ !,%%,!$,%#^ ) –

v= ljb]zL d'b|fdf !,(^,#*( !,(^,#*( ) )=))

!=^ cfos/ bfloTj -(,(^&_ @#% -!),@)@_ !)@=#^ :yug s/ ;DklQ

!=& cGo bfloTjx¿ %,)),(%) %,)@,$$* -!,$((_ –)=#) cjsfz k|fKt sd{rf/Lsf] cf}iflwpkrf/ tyf ljbf jfktsf] /sd / n]vfk/LIf0f z'Ns

@= s'n ;DklQ -@=! b]lv @=& ;Dd_ !,*%,##,@@^ !,*%,#*,%^% -%,##(_

@=! gub tyf a}+s df}Hbft !&,&^,@(( !&,&^,@(( ) –

@=@ dfu tyf cNk;"rgfdf k|fKt x'g] /sd #),))) #),))) ) –

@=# nufgL !%,!),*@* !%,!),*@* ) –

@=$ shf{ tyf ;fk6 !,$%,(#,%&) !,$%,(#,#$& @@# )=))!% shf{ gf]S;fgL Joj:yf

@=% l:y/ ;DklQ @,$&,*## @,$&,*## ) –

@=^ u}/ a}ls· ;DklQ — — – –

@=& cGo ;DklQx¿ #,&$,^(^ #,*),@%* -%,%^@_ -!=$*_ :yug s/ ;DklQ / shf{df c;'n pk/ x'g' kg]{ Aofh#= gfkmf gf]S;fg lx;fa

#=! Aofh cfDbfgL !#,&%,$%# !#,&$,&@@ &#) )=)% shf{df c;'n pk/ x'g' kg]{ Aofh

#=@ Aofh vr{ *,!^,@)# *,!^,@)# ) )=))

s v'b Aofh cfDbfgL -#=!–#=@_ %,%(,@%) %,%*,%@) &#)

#=# L, sldzg tyf l8:sfp06 &(,!)$ &(,!)$ ) –

#=$ cGo ;~rfng cfDbfgL !(,&$& !(,&$& ) –

#=% ;6xL 36a9 cfDbfgL -v'b_ %(,))@ %(,))@ ) –

v s'n ;~rfng cfDbfgL -s±#=#±#=$±#=%_ &,!&,!)# &!^#&@ &#)

#=^ sd{rf/L vr{ !,!$,$%! !,!%,(*% –!,%#$ -!=#$_ cjsfz k|fKt sd{rf/Lsf] cf}iflwpkrf/ tyf ljbf jfktsf] /sd

#=& cGo ;~rfng vr{ !,*^,@&! !,*^,%)@ –@#! -)=!@_ n]vf k/LIf0f z'Ns

u ;Defljt gf]S;fgL Joj:yf cl3sf] ;~rfng d'gfkmf -v–#=^–#=&_ $,!^,#*) $,!#,**% @,$(%

#=* ;Defljt gf]S;fgL Joj:yfx¿ ^!,$!( %&,$)# $,)!^ ^=%$ u}/ a}+ls· ;DklQsf] Joj:yf ltf{ tyf shf{ gf]S;fgL Joj:Lyf

3 ;~rfng d'gfkmf -u–#=*_ #,%$,(^! #,%^,$*@ –!,%@@

#=( u}/ ;~rfng cfDbfgL÷-gf]S;fg_ -v'b_ !)(! !!!@ –@! -!=*(_ cjsfz k|fKt sd{rf/Laf6 a}+ssf] lgod adf]lhd k|fKt /sd

#=!) ;Defljt gf]S;fgL Joj:yfaf6 lkmtf{ %!,@^! $&,)@! $,@$) *=@& u}/ a}+ls· ;DklQsf] Joj:yf ltf{

ª lgoldt sf/f]af/x¿af6 ePsf] d'gfkmf÷-vr{_ -3±#=(±#=!)_ $,)&,#!# $,)$,^!% @,^(*

#=!! c;fdfGo sf/f]af/x¿af6 ePsf] d'gfkmf÷-vr{_ -v'b_ –*&^ –*&^ ) -)=))_

r af]g; tyf s/ cl3sf] d'gfkmf -ª±#=!!_ $,)^,$#& $)#&#( @,^(*

#=!@ sd{rf/L af]g; Joj:yf #^,($( #^,&)$ @$% )=^^ af]g; cl3sf] v'b cfo

#=!# cfos/ Joj:yf !,)!,^*# !,!#,^&) –!!,(*& -!!=&(_ x|f; / cGo vr{

………………………

5 v'b gfkmf÷-gf]S;fg_ -r–#=!@–#=!#_ @,^&,*)% @,%#,#^^ !$,$#(

cg';"rL $=#%

?= xhf/df

n]vfk/LIf0f gePsf]

k|sflzt ljQLo glthf

n]vfk/LIf0f ePsf]

ljQLo glthf

/s

/sd "/ssf] sf/0f

57



n]vfk/LIf0f gePsf] ljQLo glthf cfly{s jif{ @)^%÷^^ -rf}yf] q}df;_

#! cfiff9 @)^%

-n]vfk/LIf0f ePsf]_

!= s'n k'“hL tyf bfloTj -!=! b]lv !=& ;Dd_ 1,85,33,226 1,79,88,143 1,50,26,5991,85,33,226 1,79,88,143 1,50,26,599 !=! r'Qmf k'“hL 11,86,099 10,78,272 10,70,000 !=@ hu]8f tyf sf]ifx¿ 4,51,800 4,77,460 2,94,885 !=# C0fkq tyf a08x¿ 4,00,000 4,00,000 4,00,000 !=$ ;fk6L 2,93,420 87,741 1,00,000 !=% lgIf]kx¿ -s±v_ 1,57,10,925 1,55,61,725 1,27,74,281 s= :jb]zL d'b|fdf 1,55,14,536 1,53,38,963 1,21,88,605 v= ljb]zL d'b|fdf 1,96,389 2,22,762 5,85,676 !=^ cfos/ bfloTj -9,967_ -5,837_ -9,650_ !=& cGo bfloTjx¿ 5,00,950 3,88,781 3,97,083 @= s'n ;DklQ -@=! b]lv @=& ;Dd_ 1,85,33,226 1,79,88,143 1,50,26,5991,85,33,226 1,79,88,143 1,50,26,599 @=! gub tyf a}+s df}Hbft 17,76,299 18,68,972 9,33,841 @=@ dfu tyf cNk;"rgfdf k|fKt x'g] /sd 30,000 1,25,000 55,360@=# nufgL 15,10,828 19,29,946 21,38,798 @=$ shf{ tyf ;fk6 1,45,93,570 13501387 11335088 @=% l:y/ ;DklQ 2,47,833 2,53,630 2,22,001 @=^ u}/ a}ls· ;DklQ – 0 3,141@=& cGo ;DklQx¿ 3,74,696 3,09,207 3,38,370 o; jif{ o; jif{ ut jif{ -$ q}df;df_ -# q}df;df_ -$ q}df;df_ #=! Aofh cfDbfgL 13,75,453 9,65,876 9,57,245 #=@ Aofh vr{ 8,16,203 5,85,132 4,98,734 s v'b Aofh cfDbfgL -#=!–#=@_ 5,59,250 3,80,743 4,58,5115,59,250 3,80,743 4,58,511 #=# L, sldzg tyf l8:sfp06 79,104 52,839 48,495 #=$ cGo ;~rfng cfDbfgL 19,747 14,644 17,805 #=% ;6xL 36a9 cfDbfgL -v'b_ 59,002 46,646 41,807 v s'n ;~rfng cfDbfgL -s±#=#±#=$±#=%_ 7,17,103 4,94,872 5,66,6187,17,103 4,94,872 5,66,618 #=^ sd{rf/L vr{ 1,14,451 77,153 89,570 #=& cGo ;~rfng vr{ 1,86,271 1,26,522 1,48,143 u ;Defljt gf]S;fgL Joj:yf cl3sf] ;~rfng d'gfkmf -v–#=^–#=&_ 4,16,380 2,91,197 3,28,9054,16,380 2,91,197 3,28,905 #=* ;Defljt gf]S;fgL Joj:yfx¿ 61,419 14,283 64,024 3 ;~rfng d'gfkmf -u–#=*_ 3,54,961 2,76,914 2,64,8813,54,961 2,76,914 2,64,881 #=( u}/ ;~rfng cfDbfgL÷-gf]S;fg_ -v'b_ 1,091 1,297 15,588 #=!) ;Defljt gf]S;fgL Joj:yfaf6 lkmtf{ 51,261 – 7,241 ª lgoldt sf/f]af/x¿af6 ePsf] d'gfkmf÷-vr{_ -3±#=(±#=!)_ 4,07,313 2,78,211 2,87,7104,07,313 2,78,211 2,87,710 #=!! c;fdfGo sf/f]af/x¿af6 ePsf] d'gfkmf÷-vr{_ -v'b_ –8,76 –2,25 –4,531 r af]g; tyf s/ cl3sf] d'gfkmf -ª±#=!!_ 4,06,437 2,77,985 2,83,1794,06,437 2,77,985 2,83,179 #=!@ sd{rf/L af]g; Joj:yf 36,949 25,271 25,743 #=!# cfos/ Joj:yf 1,01,683 75,814 82,506 5 v'b gfkmf÷-gf]S;fg_ -r–#=!@–#=!#_ 2,67,805 1,76,900 1,74,9302,67,805 1,76,900 1,74,930 #! cfiff9 @)^^ #! r}q @)^% #! cfiff9 @)^%$=! k'“hLsf]if÷hf]lvd efl/t /sd 11=57 12=93 14=41 $=@ lgliqmo shf{÷s'n shf{ 0=43 0=82 1=32 $=# s'n shf{ jfkt hf]lvd Joj:yf÷s'n lgliqmo shf{ 313=61 182=06 122=83

ldlt

ldlt

cg';"rL $=#^

?= xhf/df

ljj/0fqm=;+=

gfkmf gf]S;fg lx;fa#=

$= cg'kftx¿ -!_

#! cfiff9 @)^^ #! r}q @)^%

58



Disclosure as per Basel II Requirement

1. Capital Structure and Capital Adequacy

a. Please refer the Schedule 4.30 (A)

b. Subordinated Term Debt has its maturity on the FY 2070. Interest rate on the debt is

8%, payable on semiannual basis.

2. Risk Exposures

a. Please refer the Schedules 4.30(A), 4.30 (B). 4.30(D) & 4.30 (E)

b. Total amount of NPAs –

Gross Loan Amount Net Loan Amount

Restructured Loan 6,002,919 5,252,554

Substandard Loan 13,082,971 9,812,228

Doubtful Loan 31,735,261 15,867,631

Loss Loan 19,724,451 0

Total 70,545,602 30,932,413

c. Gross NPA to Gross Advances is 0.44 %.

d. Net NPA to Net Advances is 0.18 %.

e. Nonperforming loan is reduced by 58 % in comparison to the previous fiscal year.

f. For loan write off, please refer to Schedule 4.28(A). There is no interest write off

during the year.

g. Additional loan loss provision during the year is Rs. 57,403,005 while loss provision

of Rs. 42,781,308 is written back during the same year. So, net additional loan loss

provision is Rs. 14,621,697.

h. For investment detail, please refer Schedules 4.12.1, 4.12.2 & 4.12.3.

3. Risk Management Function

Risk Assessment / Mitigation Practices at Kumari Bank Limited

Considering the need to establish effective Risk Management and Risk Mitigation practices at

Kumari Bank Ltd, we have developed a system of continuous improvement of processes wherein

each member of the Bank works towards balancing profitability with prudence. The system

encompasses all banking functions from client interface, to back-office operation, to the strategic

decisions formulated by the management committees and the Board of Directors. Each area has

its own check and balance procedure to assess and mitigate risks involved. The practices thus

observed are as follows:

KBL Organization Structure

The bank’s lending approval authority is divided into two distinct units, namely Credit and Risk

Assessment. While the Credit unit or the Business Development Division concentrates more on

59



optimum utility of assets, every lending decision of this Division is re-assessed and revaluated by

the Risk Assessment Division for final approval. The Risk Assessment Division applies its

objective judgment on risk variables deemed appropriate in each instance of lending decision. For

this purpose, the Risk Assessment Division has two distinct units, the Risk Approval Department,

which facilitates final lending decision after duly adjudging risks as mitigated to an acceptable

level, and the Credit Administration and Control Department, which evaluates the endorsed

paperwork prior to actual sanction, and also after it.

Depending upon the volume of loans and the nature of risks associated, lending decisions are

subject to validation and approval by various levels of the hierarchy, in which some lending

decision are to be approved by the General Manager, and other by even the Board of Directors as

each case may require.

Risk Measurement Criteria and Mitigation Process

Credit risks are evaluated from the initial customer interface on an array of risk variables by the

Credit Policy Guidelines of the Bank, as well as on individual intuition of experienced officers.

As proposals are escalated for approval, judgmental and analytical criteria become broader and

more conceptual.

Kumari Bank Ltd uses the best practices in banking, to make its operation secure through a

system of procedural crosschecking mechanism in each operational transaction. An Internal Audit

Department, which also doubles as the Concurrent Audit Department system, continuously

functions to alert bank personnel to the meticulousness required in handling operations in every

functional department. A credit monitoring system is well established in the Bank, which

periodically checks on credit quality, compliance, and level of risk exposure. This practice has

created a continuous learning and improvement environment, and the Bank’s efficiency goal has

been to move towards the most prudent practices in the industry.

Types of eligible credit risk mitigants used and the benefits availed under CRM –

Particular Eligible CRM

Deposit with Bank 131,136,331.89

Deposit with other bank / FI 16,000,000.00

Total 147,136,331.89

60



61



s'df/L a}+s lnld6]8

k|aGwkqsf] k|:tfljt ;+zf]wgsf] tLg dxn] ljj/0fl;=g+= xfnsf] Aoj:yf k|:tfljt ;+zf]wg ;+zf]wgsf] sf/0f1= %-v_

a}+ssf] tTsfn hf/L ug]{ z]o/ k"“hL ?=1,36,40,14,100.– -cIf?kL Ps ca{ %QL; s/f]* rfnL; nfv rf}w xhf/ Ps ;o dfq_ x"g]% .

%-v_

a}+ssf] tTsfn hf/L ug]{ z]o/ k"“hL ?=1,48,50,00,000.– -cIf?kL Ps ca{ c&\rfnL; s/f]* krf; nfv dfq_ x"g]% .

l d l t 0 6 5 ÷ 1 2 ÷ 1 9 df ;DkGg cf&f} + jflif {s ;fwf/)f;efsf ] lg)f {o– adf]lhd hf/L ul/g] 15 k|ltzt xsk|b z]o/ / cF=j= 065÷66 sf] d"gfkmfaf^ v"b b; k| ltzt af ]gz z]o/ -xsk|b z]o/ hf/L ug" { cufj}sf] k" “hLjf^_ ljt/)f ul/g] ePsf]n],

2= %-u_

a}+ssf] tTsfn r"Qmf k"“hL ?=1,36,40,14,100.÷–-cIf?kL Ps ca{ %QL; s/f]* rfnL; nfv rf}w xhf/ Ps ;o dfq_ x"g]% .

%-u_

a}+ssf] tTsfn r"Qmf k"“hL ?= 1,48,41,09,000÷– -cIf?kL Ps ca{ c&\rfln; s/f]* PsrfnL; nfv gf} xhf/ dfq_ x"g]% .

P]= P]=

3= bkmf %-3_

a}+ssf] hf/L k"“hLsf] ;d"xut z]o/ :jfldTj b]xfocg";f/ x"g]% M– -!_ ;d'x æsÆM ;+:yfks z]o/wgLx?nfO{ ;d'x æsÆ df juL{s/)f ul/Psf] % . of] ;d'xsf] z]o/ :jfldTj ;Q/L k|ltzt -70!_ x"g]% .-@_ ;d'x ævÆ ;j{;fwf/)fdf laqmL ul/g] z]o/sf z]o/wgLx¿nfO{ ;d'x ævÆ df juL{s/)f ul/Psf] % . of] ;d'xsf] z]o/ :jfldTj tL; k|ltzt -30!_ x"g]% . -o; kl%sf] oyfjt /xg] .

bkmf %-3_

a}+ssf] hf/L k"“hLsf] ;d'xut z]o/ :jfldTj b]xfo cg";f/ x"g]% M– -!_ ;d'x æsÆM ;+:yfks z]o/wgLx¿nfO{ ;d'x æsÆ df juL{s/)f ul/Psf] % . of] ;d'xsf] z]o/ :jfldTj PsfpGg k|ltzt -51!_ x"g]% .-@_ ;d'x ævÆ ;j{;fwf/)fdf laqmL ul/g] z]o/sf z]o/wgLx?nfO{ ;d'x ævÆ df juL{s/)f ul/Psf] % . of] ;d'xsf] z]o/ :jfldTj pgGrf; k|ltzt -49!_ x"g]% .

ljBdfg ;+:yfks ;d'xdf /x]sf] ;Q/L k|ltzt z]o/ :jfldTjnfO{ #^fO{ PsfpGg k|ltzt sfod u/L af“sL z]o/ ;j{;fwf/)f ;d'xdf kl/)ft x"g] ePsf]n],

62



s'df/L a}+s lnld6]8

lgodfjnLsf] k|:tfljt ;+zf]wgsf] tLg dxn] ljj/0fl;=g+= xfnsf] Aoj:yf k|:tfljt ;+zf]wg ;+zf]wgsf] sf/0f1= lgod 8 -2_ -s_

;+:yfks ;d'xsf z]o/wgLaf^ lgjf{lrt 5 hgf .

lgod 8-2_ -s_ ;+:yfks ;d'xsf z]o/wgLaf^ lgjf{lrt 4 hgf . t/ ;+:yfks ;d'xsf ] 19 k|ltzt z]o/ sfg'g– adf]lhd ;j{;fwf/)f ;d'xdf kl/)ft e} pQm ;d'xaf^ ;+rfns kb 1 lgjf{lrt e} gcfP;Dd ;+rfns ;ldltn] ;+:yfks ;d'xsf] z]o/wgLjf^ k|ltlglwTj x"g] u/L l/Qm kb k'lt{ ug]{% .

;+:yfks ;d'xdf ljBdfg /x]sf] ;Q/L k|ltzt z]o/ :jfldTjaf^ #^fO{ PsfpGg k|ltzt z]o/ sfod u/L af“sL z]o/ ;j{;fwf/)f ;d'xdf kl/)ft x"g] ePsf]n] .

2= lgod * -@_ -v_

;j{;fwf/)f ;d'xsf z]o/ wgLjf^ lgjf{lrt 2 hgf .

lgod * -@_ -v_

;j{;fwf/)f ;d'xsf z]o/wgLjf^ lgjf{lrt 3 hgf .

P]= P]=

3= lgod @^ -#_

-xfn lgodfjnLdf of] pkbkmf gePsf]_ lgod @^ -#_

a}+sn] xsk|b z]o/ lgisfzg ubf{ ;fljssf z]o/wgLx?n] v/Lb ug{ kfpg] xsk|b z ]o/sf ] ;Dk ' ) f { j f c f + lzs xs x:tfGt/)f ug{ rfx]df k|rlnt sfg'g tyf g]kfn /fi «̂ a}+sn] tf]s]sf] zt{sf] cwLgdf /xL xs x:tfGt/)f ug{ ;Sg]%g\ .

;fljssf z]o/wgLn] vl/b ug{ grfx]df To:tf] xs cGo JolQm÷;+:yfnfO{ laqmL u/L k"“hL j[l$ ug{ pko"Qm x"g] ePsf]n] .

4= bkmf @(-u_

a}+ssf] sfdsf] l;nl;nfdf x"g] Jofj;flos e|d)f vr{nfO{ b]xfoadf]lhd 5 -kf+r_ If]qdf juL{s/)f u/L tf]lsPsf] % . 1_ ;+o"Qm/fHo cd]l/sf, o'/f]k, hfkfg,

ci^«]lnof, Go"lhNof)*, l;+ufk"/ tyf blIf)f sf]l/of .

2_ ;fs{ /fi «̂sf d"n"s / k|s/)f -1_ df pNn]lvt d"n"sx¿ afx]ssf cGo /fi «̂x¿ .

3_ g]kfn / ef/t afx]ssf cGo ;fs{ /fi «̂x¿ .

4_ ef/t .5_ g]kfn .

bkmf @(-u_

a}+ssf] sfdsf] l;nl;nfdf x"g] Jofj;flos e|d)f vr{nfO{ b]xfoadf]lhd 2 -b"O_ If]qdf juL{s/)f u/L tf]lsPsf] % M -1_ ljb]z e|d)f -2_ :jb]z e|d)f

;+rfnsx¿sf] e|d)f tyf xf]^n vr{ Hofb} Go'g ePsf]n] ;f]nfO{ ;do;fk]If j[l$ ug{ cfjZos ePsf]n] .

63



lgod @( -u_ ;“u ;DjlGwt

xf]^n ;"ljwf;DjGwL xfnsf] Joj:yf .tx -1_

o'=P;= *n/ -2_ o'=P;= *n/ -3_

o'=P;= *n/ -4_ o'=P;= *n/

-5_ o'=P;= *n/

cWoIf 250 200 120 10,000 5,000;~rfns 225 175 110 9,000 4,500

xf]^n ;"ljwf;DjGwL k|:tfljt Joj:yf .tx -1_ o'=P;= *n/ -2_ g]=?= cWoIf 455 6,000;~rfns 445 5,500

b}lgs vfgf;DjGwL xfnsf] Joj:yf .tx -1_

o'=P;= *n/ -2_ o'=P;= *n/ -3_

o'=P;= *n/ -4_ o'=P;= *n/

-5_ o'=P;= *n/

cWoIf 140 100 90 1,600 1,600;~rfns 130 95 85 1,400 1,400

b}lgs vfgf;DjGwL k|:tfljt Joj:yf .tx -1_ o'=P;= *n/ -2_ g]=?= cWoIf 150 1,600;~rfns 140 1,400

ks]^ vr{;DjGwL xfnsf] Joj:yf .tx -1_

o'=P;= *n/ -2_ o'=P;= *n/ -3_

o'=P;= *n/ -4_ o'=P;= *n/

-5_ o'=P;= *n/

cWoIf 50 45 45 1,100 1,100;~rfns 45 40 40 1,000 1,000

ks]^ vr{;DjGwL k|:tfljt Joj:yf .tx -1_ o'=P;= *n/ -2_ g]=?= cWoIf 110 2,000;~rfns 100 1,800

64



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B A N K I N G P A R E X E C E L L E N C E gjf}+ jflif {s ... · 1 B A N K I N G P A R E X E C E L L...

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Transcript of B A N K I N G P A R E X E C E L L E N C E gjf}+ jflif {s ... · 1 B A N K I N G P A R E X E C E L L...