NMB Annual Report nepali 2073 - NMB Bank Nepal · #_ jflif{s ;fwf/0f ;efdf efu lng] k|To]s z]o/wgL...

$: NMB Annual Report nepali 2073 - NMB Bank Nepal · #_ jflif{s ;fwf/0f ;efdf efu lng] k|To]s z]o/wgL dxfg'efjx¿n] ;ef x'g] :yfgdf pkl:yt eO{ ToxfF /flvg] pkl:ylt k'l:tsfdf b:tvt ug'{$

;+rfns ;ldlt

k|df]b s'df/ bfxfnsDkgL ;lrj

kjg s'df/ uf]Nof0fcWoIf

/fh]Gb| sfkm\n];+rfns

dgf]h s'df/ uf]on;+rfns

lgsf] lkn;+rfns

/f]d0fL k|;fb kf7s;+rfns

xl/afa' Gof}kfg];+rfns

hLjgdfg hf]zL;+rfns

xl/ZrGb| ;'j]bL;+rfns

sdn]z s'df/ cu|jfn;+rfns

gGb lszf]/ /f7Lj}slNks ;+rfns

1

k|ltlglw -k|f]S;L_ kmf/d

>L ;+rfns ;ldlt,

PgPdla a}+s lnld6]8, aa/dxn, sf7df8f}+ .

ljifo M k|ltlglw lgo'lQm u/]sf] af/] .

=== === === === === === lhNnf === === === === === === === g=kf=÷uf=lj=;= j8f g+= === === a:g] d÷xfdL === === === === == === ============= n] To; sDkgLsf] z]o/wgLsf] x}l;otn]

;Dat\ @)&# ;fn kf}if dlxgf @$ ut] cfO{tjf/sf lbg x'g] @!cf}+ jflif{s ;fwf/0f ;efdf d÷xfdL :jod\ pkl:yt eO{ 5nkmn tyf lg0f{odf

;xefuL x'g g;Sg] ePsfn] pQm ;efdf d]/f÷xfd|f] tkm{af6 efu lng tyf dtbfg ug{sf nflu === ==== ======= == lhNnf === ==== === ======= ====== g=kf÷uf=lj=;=

j8f g+= ===== a:g] To; sDkgLsf z]o/wgL >L === === === === === === === === ====== === === === nfO{ d]/f]÷xfd|f] k|ltlglw lgo'Qm u/L k7fPsf] 5'÷k7fPsf 5f}+ .

b|i6AoM of] lgj]bg ;fwf/0f ;ef x'g' eGbf sDtLdf $* 306f cufj} a}+ssf] /lhi68{ sfof{nodf k]z ul/;Sg' kg]{5 . Ps eGbf a9L k|ltlglw -k|f]S;L_ sf] gfd pNn]v u/]df k|ltlglw -k|f]S;L_ kmf/d /2 ul/g] 5 .

PgPdlj a}+s lnld6]8,aa/dxn, sf7df8f}+ .

@!cf}+ jflif{s ;fwf/0f ;efdf pkl:yt x'g hf/L ul/Psf]

k|j]z–kq

z]o/wgLsf] gfd M ============================================================================================================================================================= s"n z]o/ ;+Vof M =================================================================

z]o/wgL kl/ro÷lxtu|fxL vftf (BOID) g+= M============================================================================== z]o/wgLsf] ;xL M ===============================================================

===============================================================

sDkgL ;lrj

-b|i6AoM k|ltlglwn] ;efdf efu lng cfpFbf of] k|j]z kq ;fy} lnO{ cfO{ lbg'x'g cg'/f]w ub{5f}+ ._

k|ltlglw lgo'Qm ePsf] JolQmsf]M

x:tfIf/sf] gd"gfM

z]o/wgL kl/ro÷lxtu|fxL vftf g+=M

lgj]bs,

b:tvtM

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7]ufgfM

z]o/wgL kl/ro÷lxtu|fxL vftf g+=M

z]o/ ;+VofM

ldlt M ==================================================================================

PgPdla a}+s lnld6]8 jflif{s k|ltj]bg – @)&@÷&#

ljifo ;"rL

! | PSsfO;f}+ jflif{s ;fwf/0f ;ef;DaGwL ;"rgf

# | cWoIfHo"sf] dGtJo

% | ;+rfns ;ldltsf] jflif{s k|ltj]bg

@# | lwtf]kq btf{ tyf lgisfzg lgodfjnL, @)&# sf] cg';"rL–!%

@( | n]vfk/LIfssf] k|ltj]bg– PsLs[t ljQLo ljj/0fx?

## | PsLs[t ljQLo ljj/0fx?

#* | n]vfk/LIfssf] k|ltj]bg– PgPdla a}+s lnld6]8sf] ljQLo ljj/0fx?

$! | PgPdla a}+s lnld6]8sf] ljQLo ljj/0fx?

(^ | k|d'v n]vf gLltx?

(( | n]vf ;DaGwL l6Kk0fLx?

!)( | ljz]if k|:tfjsf] ?kdf k]z ePsf] k|aGwkq tkm{sf] ;+zf]wg

!!) | a}+ssf] ljQLo ljj/0f k|sfzg ug{ g]kfn /fi6« a}+ssf] :jLs[lt kq

1

o; a}+ssf] ldlt @)&#÷)*÷!& ut] a;]sf] ;~rfns ;ldltsf] a}7ssf] lg0f{ofg';f/ PSsfO;f}+ jflif{s ;fwf/0f ;ef lgDg lnlvt ldlt, :yfg / ;dodf lgDg ljifox¿ pk/ 5nkmn tyf lg0f{o ug{ a:g] ePsf] x'Fbf sDkgL P]g, @)^# sf] bkmf ^& adf]lhd ;Dk"0f{ z]o/wgL dxfg'efjx¿sf] hfgsf/Lsfnflu of] ;"rgf k|sflzt ul/Psf] 5 .

!= ;fwf/0f ;ef a:g] ldlt, :yfg / ;doMldlt M @)&# ;fn kf}if dlxgf @$ ut], cfO{taf/ -tb\g';f/ * hgj/L, @)!&_:yfg M g]kfn k|1f k|lti7fg, sdnfbL, sf7df8f}+ . ;do M laxfg !)M)) ah]

5nkmnsf ljifox¿M-s_ ;fdfGo k|:tfjM

!= PSsfO;f}+ jflif{s ;fwf/0f ;efdf ;~rfns ;ldltaf6 k|:t't k|ltj]bg kfl/t ug]{,@= n]vfk/LIfssf] k|ltj]bg ;lxtsf] cf= j= )&@÷)&# sf] jf;nft, gfkmf–gf]S;fg lx;fa / ;f]xL cjlwsf]

gub k|jfxsf] ljj/0f kfl/t ug]{ -;xfos sDkgLx? ;d]tsf] Plss[t ljj/0f_,#= sDkgL P]g, @)^# sf] bkmf !!! cg';f/ cf= j= )&#÷)&$ sf] nflu n]vfk/LIfssf] lgo'lQm tyf

lghsf] kfl/>lds tf]Sg], $= ;~rfns ;ldltaf6 kfl/t eP adf]lhd jf]g; z]o/sf] s/ k|of]hgsf nflu xfnsf] r'Qmf k"FhLsf] ! -Ps_ k|ltztsf b/n] gub nfef+z ljt/0fsf] k|:tfj :jLs[t ug]{ .

-v_ ljz]if k|:tfjM

!= a}+ssf] clws[t k"FhL ?= *,)),)),)),))).– -cf7 c/j_ af6 ?= !),)),)),)),))).– -bz c/j_ k'¥ofpg :jLs[lt k|bfg ug]{,

@= a}+ssf] jt{dfg r'Qmf k"FhLsf]] !( k|ltztsf] cg'kftdf jf]g; z]o/ hf/L ug{ :jLs[lt k|bfg ug]{, #= af]gz z]o/ hf/L u/]sf] sf/0fn] a}+ssf] jt{dfg hf/L tyf r'Qmf k"FhLdf a[l4 x'g] ePsfn]

;f]xL adf]lhd hf/L tyf r'Qmf k"FhLa[l4 u/L k|aGwkqdf cfjZos ;+zf]wg ug{ :jLs[lt k|bfg ug]{,$= k'FhL a[l4 ug{sf nflu ;fwf/0f z]o/ yk ;fj{hlgs lgisfzg (Further Public Issue) ug]{ . yk

;fj{hlgs lgisfzg x'g] ;fwf/0f z]o/sf] ;+Vof lgwf{/0f ug{ / ;f]sf] cl°t d"Nodf lk|ldod ;d]t yk ul/ hf/L x'g] z]o/sf] lk|ldod ;lxtsf] d"No lgwf{/0f ug{, yk ;fj{hlgs lgisfzg (Further Public Issue) ul/;s]kl5 a}+ssf] hf/L tyf r'Qmf k"FhLdf a[l4 x'g] ePsfn] ;f]xL adf]lhd hf/L tyf r'Qmf k"FhL a[l4 ug{ / yk ;fj{hlgs lgisfzg eP kZrft a}+ssf] ;fwf/0f ;d"xsf] :jfldTj k|ltzt a[l4 x'g] / ;+:yfut ;d"xsf] :jfldTj k|ltzt 36\g] ePsfn] ;f]xL adf]lhd a}+ssf] k|aGwkq tyf lgodfjnLdf cfjZos ;+zf]wg ug{ tyf ;f] ;DaGwdf ug'{kg]{ ;Dk"0f{ sfo{ ug]{ clVtof/L ;+rfns ;ldltnfO{ k|bfg ug]{ .

%= a}+ssf] lgodfjnLsf] lgod #@ df ;+zf]wg ug]{, ^= a}+ssf] k|aGwkq tyf lgodfjnLdf ePsf]÷x'g] ;+zf]wgsf] :jLs[lt ln+bf jf clen]v ubf{ u/fpFbf

s]xL ;fdfGo x]/km]/ ug{, ;+zf]wg ;DaGwL sfuhft k|dfl0ft ug{, bflvnf ug{ / clen]v u/fO{ lng ;d]t ;~rfns ;ldltnfO{ clVtof/L lbg],

-u_ ljljw .cf1fn],

sDkgL ;lrj

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


;fwf/0f ;ef ;DaGwdf yk hfgsf/LM!_ jflif{s ;fwf/0f ;ef k|of]hgsf]nflu a}+ssf] z]o/ bflvn Vff/]hL @)&#÷)(÷& b]lv @)&#÷)(÷@$

ut];Dd aGb /xg]5 . @_ z]o/wgL btf{ k'l:tsfdf sfod z]o/wgL dxfg'efjx¿sf] 7]ufgfdf ;fwf/0f ;efsf] hfgsf/L

;lxtsf] jflif{s k|ltj]bg k7fO{g]] 5 . s'g} z]o/wgL dxfg'efjx¿n] s'g} sf/0fjz pk/f]Qm hfgsf/L gkfpg' ePdf o;} ;"rgfnfO{ cfwf/ dfgL z]o/sf] k|df0fkq jf lxtu|fxL vftf gDa/ jf cfgf] kl/ro v'Ng] k|df0f–kq ;fydf lnO{ ;efdf efu lng cfpg' x'g xflb{s cg'/f]w ub{5f}+ .

#_ jflif{s ;fwf/0f ;efdf efu lng] k|To]s z]o/wgL dxfg'efjx¿n] ;ef x'g] :yfgdf pkl:yt eO{ ToxfF /flvg] pkl:ylt k'l:tsfdf b:tvt ug'{ kg]{5 . z]o/wgL pkl:ylt k'l:tsf laxfg (M#) ah] b]lv v'Nnf /xg] 5 .

$_ jflif{s ;fwf/0f ;efdf efu lngsf nflu k|ltlglw -k|f]S;L_ lgo'Qm ug{ rfxg] z]o/wgL dxfg'efjx¿n] k|ltlglwkq -k|f]S;L kmf/d_ ;ef z'¿ x'g' eGbf $* 306f cufj} a}+ssf] s]Gb|Lo sfof{no aa/dxn, sf7df8f}+df btf{ u/fO{ ;Sg' kg]{5 .

%_ k|ltlglw lgo'Qm ubf{ a}+ssf] z]o/wgLnfO{ g} ug'{ kg]{5 . s'g} z]o/wgLn] k|ltlglw -k|f]S;L_ lgo'Qm u/]kl5 cfkm' :jo+ pkl:yt ePdf To:tf] k|ltlglw -k|f]S;L_ :jtM /4 ePsf] dflgg]5 .

^_ gfjfns jf lalIfKt z]o/wgLx¿sf] xsdf a}+ssf] z]o/wgL btf{ k'l:tsfdf ;+/Ifssf] ¿kdf gfd btf{ ePsf] JolQmn]dfq ;fwf/0f ;efdf efu lng jf k|ltlglw -k|f]S;L_ tf]Sg ;Sg]5 . ;+o'Qm ¿kdf z]o/ lng] z]o/wgLx¿sf] xsdf To:tf] z]o/wgLx¿ dWo]af6 ;j{;Ddt ¿kdf dgf]lgt k|ltlglwn] jf ;f] adf]lhd s'g} k|ltlglw lgo'Qm gePdf z]o/wgL btf{ lstfadf klxn] gfd pNn]v ePsf] z]o/wgLn]dfq ;fwf/0f ;efdf efu lng kfpg] 5 .

&_ z]o/wgLx¿af6 p7]sf k|Zg, lh1f;f jf dGtJox¿sf] ;DaGwdf ;~rfns ;ldltsf] tkm{af6 cWoIf jf cWoIfaf6 cg'dltk|fKt AolQmn] hjfkm lbg ;Sg]5g\ .

*_ s'g} z]o/wgL dxfg'efjx¿nfO{ a}+ssf] ;DaGwdf s]lx lh1f;f eP To:tf] Aoxf]/f lnlvt ¿kdf ;ef x'g' eGbf sDtLdf & -;ft_ lbg cufj} a}+ssf] /lhi68{ sfof{nodf k7fpg' x'g cg'/f]w ub{5f}+ . t/ o;nfO{ 5nkmn / kfl/t x'g] k|:tfjsf] ¿kdf ;dfj]z ul/g] 5}g .

(_ ;fwf/0f ;efdf efu lng cfpg'x'g] z]o/wgLx¿n] ;fwf/0f ;ef;+u ;DjlGwt sfuhft afx]s s'g} emf]nf, kf]sf jf cGo ;fdfu|L glnO{ cfpg' x'g cg'/f]w ul/Psf] 5 .

b|i6AoM a}+ssf] jflif{s k|ltj]bg z]o/wgL dxfg'efjx¿sf] ;'ljwfsf] nflu a}+ssf] j]a;fO6 www.nmb.com.np df klg /flvPsf] x'Fbf ToxfFaf6 ;d]t x]g{;lsg] Aoxf]/f hfgsf/L u/fpFb5f} .

3

cfb/0fLo z]o/wgL dxfg'efjx?,

PgPdla a}+s lnld6]8sf] o; @!cf}+ jflif{s ;fwf/0f

;efdf pkl:yt cfb/0fLo z]o/wgL dxfg'efjx?,

cfdlGqt clyltu0f, ko{j]Ifs, kqsf/ tyf dlxnf Pjd\ ;Hhgj[Gbx?df d a}+ssf] ;+rfns

;ldltsf] tkm{af6 / d]/f] JolQmut tkm{af6 x[bo b]lv g} cfef/ k|s6 ub}{ xflb{s :jfut

ug{ rfxG5' . o; a}+sdf oxfFx?sf] ;xof]u / ;b\efj ljut b'O{ bzsb]lv k|fKt x'Fb} cfPsfn] xfdL

b]zs} ?= Ps c/aeGbf a9L v'b d'gfkmf cfh{g ug{ ;kmn x'g] cu|0fL a}+sx?sf] ;"rLdf ;dfj]z x'g ;kmn ePsf] ;Gb]z oxfFx?sf ;fd' /fVg kfpFbf xfdL uf}/jflGjt ePsf 5f}+ .

oxfFx? ;a}nfO{ ljlbt} 5, ;ldIff cjlwdf PgPdla

a}+s lnld6]8df kflye/f ljsf; a}+s lnld6]8, e[s'6L 8]enkd]G6 a}+s lnld6]8, lSng O{ghL{ 8]enkd]G6 a}+s lnld6]8 / k|'8]lG;on kmfOgfG; sDkgL lnld6]8 ufleO{ ldlt @)&@ sflt{s ! ut]af6 PsLs[t sf/f]af/sf] z'ef/De ePsf] 5 . o; P]ltxfl;s dh{/af6 a}+ssf]

k"FhLut cfwf/ alnof] x'g'sf ;fy} zfvf ;Ghfndf a[l4 eO{ Aoj;fo lj:tf/ ug]{ bfo/f km/flsnf] ePsf] 5 . a}+ssf] ;kmn dh{/ kZrft\ xfn;Dd a}+ssf] zfvf ;+Vof &!, PS;6]G;g sfp06/sf] ;+Vof

& / Pl6Pdsf] ;+Vof %& k'u]sf] 5 . o;af6

lgIf]k ;+sng tyf shf{ k|jfxdf a[l4 ePsf] Joxf]/f cfb/0fLo z]o/wgL dxfg'efjx? dfem hfgsf/L

u/fpFb5' .

o; a}+ssf] @)cf}+ jflif{s ;fwf/0f ;efn] lbPsf] clwsf/ adf]lhd o; a}+ssf] ljb]zL ;fem]bf/ Nederlandse Financierings-Maatschappij Voor

Ontwikkelingslanden N.V. (FMO), Nederland

n] a}+ssf] s"n r'Qmf k"FhLsf] @) k|ltzt z]o/ k'¥ofPsf]] Aoxf]/f oxfFx?;dIf hfgsf/L u/fpg

rfxG5' . ljZjsf] *% j6f b]zx?df cfkm\gf] nufgL

tyf k|ltlglwTj ePsf] PkmPdcf] cGt/f{li6«o ?kdf

/fd|f] 5jL ePsf] / Standard & Poor’s tyf Fitch

h:tf ;+:yfx?n] AAA /]l6Ë u/]sf] g]b/n}08 ;/sf/ ;d]tsf] %! Kf|ltzt :jfldTj /x]sf]

cGt/f{li6«o ljsf; a}+s xf] . pQm ;+:yfsf] ;xof]un]] cfpFbf lbgx?df ljb]zL a}+s tyf ljQLo ;+:yfx?

;+usf] ;DaGwnfO{ k|uf9 agfpg 6]jf k'Ug], s[lif,

;fgf tyf demf}nf If]q, hnlaB't, gljs/0fLo pmhf{ nufotsf cGo If]qx?df nufgLsf] nflu cfjZos k"FhL tyf k|fljlws ;xof]u k|fKt x'g], sd{rf/Lsf] Ifdtf lj:tf/df cfjZos tflndsf nflu ;xof]u k'Ug] cflb ePsfn] oxfFx?sf] o; a}+sn] ljQLo If]qdf 7"nf] km8\sf] dfg{ ;kmn x'g]5 eGg] ljZjf;

lnPsf 5f}+ .

;ldIff jif{df b]zsf] s[lif tyf u}/–s[lif If]qsf] j[l4b/df ;+s'rg cfpg'sf ;fy} @)&@ ;fn j}zfv !@ ut]sf] e"sDksf] c;/, t/fO{df ePsf] /fhg}lts cl:y/tf, ljk|]if0fsf] cfk|jfxsf] a[l4b/df lu/fj6 tyf ljsf; vr{df sdLsf sf/0fx?n] d'n'ssf] ;du| cfly{s ultljlwdf gsf/fTds k|efj ;d]t kf/]sf] x'Fbf s"n ufx{:Yo pTkfbgsf] a[l4b/ Go"g /xg uPsf sf/0f a}+lsË If]qsf] Joj;fosf] lj:tf/df o;sf] c;/ b]lvPsf] 5 . cfoftdf jif]{lg eO/xg] j[l4 / cfGtl/s pTkfbgdf x|f; cfpgfn] b]zsf] cy{tGqn] ck]lIft nIo xfl;n ug{ ;ls/x]sf] 5}g . cfGtl/s pBf]u, Jofkf/ nufot pTkfbgd"ns If]qdf ;f]r]cg'?k j[l4 ePsf] b]lvFb}g . a}+lsË If]qdf ;do ;dodf x'g] t/ntfsf] ptf/ r9fjsf] cj:yfn] lgIf]k tyf shf{sf] Jofhb/ Joj:yfkgdf r'gf}tL ylkPsf] 5 . ahf/ d"No clgolGqt x'Fbf d'b|f:kmLltsf] b/ k|If]k0f u/]eGbf a9\bf] 5 . ;du|df eGg'kbf{ ;ldIff cjlwdf Go"g cfly{s a[l4, a9\bf] ljB't nf]8;]l8Ë, >d ;d:of / cl:y/ /fhg}lts

cj:yfsf sf/0f nufgL d}qL jftfj/0f ;[hgf x'g ;s]sf] kfO{Pg . ;ldIff cjlw -cf= j= @)&@÷)&#_ df

cWoIfHo"sf] dGtJo


g]kfnsf] ;du| cfly{s cj:yf Tolt pT;fxk|b /x]g .

oBlk, pk/f]Qm r'gf}tLx?sf afjh'b klg o; a}+sn]

;ldIff aif{df pNn]vgLo k|ult xfl;n ug{ ;kmn

ePsf] 5 . o; a}+sn] ut cfly{s jif{eGbf !@@ k|ltztn] d'gfkmfdf j[l4 u/L cf=j= @)&@÷&# df

?= ! cj{ !! s/f]8 v"b d'gfkmf cfh{g ug{ ;kmn ePsf] 5 . o:tf] k|ult a}+ssf] ;kmn Joj:yfkg tyf

P]ltxfl;s dh{/ kZrft\ a}+ssf] Joj;fodf ePsf] lj:tf/sf] sf/0f ;Dej ePsf] Aoxf]/f oxfFx?sf ;fd' /fVg rfxG5' .

PgPdla a}+s ljQLo ahf/df b]vf k/]sf

kl/jt{gx?nfO{ u|x0f ug{df ;bf cu|;/ /xFb} cfPsf] 5 . o; a}+sn] g]kfn /fi6« a}+såf/f k"FhL j[l4 ug]{ ;DaGwdf hf/L ePsf] lgb]{zg cg'?k tf]lsPsf] ;dofjwL leq} ?= * c/a r'Qmf k"FhL k'¥ofpg] 5 eGg] s'/f oxFfx?nfO{ cjut

u/fpg rfxG5' . To;}u/L, :jb]zL tyf cGt/f{li6«o ;+:yfx?;Fu ;xsfo{ u/]/ ljQLo If]qdf ;Defjgfsf cj;/x?sf] vf]hL ub}{ b]zsf] cfly{s cj:yfdf ;'wf/ Nofpg] nIosf ;fy b'O{ b]zLo Jofkf/nfO{ k|j4{g ug{ dn]l;ofdf k|ltlglw sfof{no :yfkgf

u/]sf 5f}+ . PgPdla a}+sn] o:tf] w]/} gjLg sfo{x?sf] yfngL u/]/ cfkm"nfO{ cAan :yfg :yflkt ug{

k|oTgzLn /lx/x]sf] 5 .

xfdLn] cfkm\gf] Ifdtf clej[l4 u/L nufgLstf{x?nfO{

nufgLsf] plrt k|ltkmn k|bfg ug{sf nflu ;DklQsf]

u'0f:t/df ;'wf/ u/L d'gfkmf j[l4 ub}{ hfg]tkm{

lqmoflzn /xb} cfPsf 5f+} . cfufdL lbgx?df klg a}+s leq ;+:yfut ;'zf;gnfO{ sfod /fVb} nufgLstf{x?sf] j[xQ/ lxtnfO{ ;jf]{k/L 7fgL tt\

cg'?k cfkm\gf sfo{x? bQlrQsf ;fy cl3 a9fpg]

s'/f JoQm ug{ rfxG5' . o; a}+s Aoj;flos ;Ifdtf

clea[l4 ug{sf nflu cfw'lgs ;"rgf k|ljlwx?dWo]

ahf/df pknAw x'g;Sg] pRrtd k|ljlwnfO{ pkof]u ub}{ cuf8L a9\g sl6a4 /x]sf] 5 .

o; a}+ssf] pGglt, k|ult / ;Dj[l4sf nflu

xfd|f x/]s s[ofsnfkx?df ;b}j ulx/f] cle?lr b]vfO{ xfdLnfO{ /fo ;'emfj lbg' x'g]] cfb/0fLo z]

o/wgL dxfg'efjx?k|lt xflb{s wGojfb 1fkg ub{5' .

To;}u/L, lgodgsf/L lgsfox? g]kfn ;/sf/, g]kfn /fi6« a+}s, sDkgL /lhi6«f/sf] sfof{no, g]kfn lwtf]kq jf]8{, g]kfn :6s PS;r]Gh lnld6]8,

l;l8P; P08 lSnol/Ë lnld6]8, ;~rf/ hut, u|fxsju{ nufot o; a}+snfO{ k|ToIf jf ck|ToIf ?kn] ;xof]u k'/\ofpg' x'g] a}+s tyf ljQLo ;+:yfx?, cGo ;+3–;+:yfx? k|lt xflb{s cfef/ JoQm ug{ rfxG5' . k|d'v sfo{sf/L clws[t >L pk]Gb| kf}8]nn]

o; a}+sdf ljut !& jif{ b]lv cgj/t ?kdf sfo{ ug'{ eO{ cu|0fL jfl0fHo a}+sx?sf] ;"rLdf a}+snfO{ ;dfj]z u/fpg Aoj:yfkg tkm{sf] g]t[TjbfoL e"ldsfsf] k|z+;f ub}{ pxfF nufot ;Dk"0f{ sd{rf/Lx? k|lt xflb{s cfef/ JoQm ub{5' .

cGTodf, cfufdL lbgx?df a}+sn] cfkm\gf u|fxs

ju{x?nfO{ cem a9L ljZj;gLo / u'0f:t/Lo ;]jf pknAw u/fpFb} z]o/wgLx?nfO{ plrt k|ltkmn

k|bfg ug]{ k|lta4tf JoQm ub}{ o; a}+ssf ;+rfns

;ldltsf ;b:ox?sf] dfu{bz{g, sd{rf/L ldqx?sf] s8f kl/>d, z]o/wgL dxfg'efjx? tyf lgodgsf/L

lgsfox?af6 k|fKt ljZjf; Pj+ ;'emfjx? ljutdf em+} lg/Gt/ sfod} /xg]df ljZj:t 5' .

wGojfb .


ldltM @)&#÷)(÷@$

5

cfb/0fLo z]o/wgL dxfg'efjx?,

PgPdla a}+s lnld6]8sf] @!cf}+ jflif{s ;fwf/0f ;efdf pkl:yt ;Dk"0f{ z]o/wgL dxfg'efjx?, ljleGg

lgodgsf/L lgsfoaf6 kfNg' ePsf k|ltlglwx?, ;+:yfut ?kdf o; ;fwf/0f ;efdf k|ltlglwTj ug'{ x'g]

k|ltlglwx? nufot ;efdf pkl:yt ;Dk"0f{ dxfg'efjx?nfO{ ;+rfns ;ldltsf] tkm{af6 xflb{s :jfut tyf clejfbg JoQm ub{5' . ljut @! aif{b]lv oxfFx?sf] lg/Gt/ ;xof]u tyf ljZjf;sf nflu PgPdla a}+s

kl/jf/ oxfFx? k|lt xflb{s cfef/L 5 .

cfly{s aif{ @)&@÷)&# a}+ssf] nflu cGoGt} ;'vb\ /Xof] . ;ldIff cjlwdf PgPdla a}+sdf kflye/f ljsf;

a}+s lnld6]8, e[s'6L 8]enkd]G6 a}+s lnld6]8, lSng O{ghL{ 8]enkd]G6 a}+s lnld6]8 / k|'8]lG;on kmfOgfG; sDkgL lnld6]8 ufleO{ ldlt @)&@ sflt{s ! ut]af6 PsLs[t sf/f]af/sf] z'ef/De ePsf] / o; dh{/af6

a}+ssf] k"FhLut cfwf/ alnof] x'g'sf ;fy} zfvf ;+hfndf a[l4 ePsfn] lgIf]k ;+sng tyf shf{ k|jfxdf ;d]t dxTjk"0f{ a[l4 ePsf] Joxf]/f hfgsf/L u/fpFb5' .

PgPdla a}+s lnld6]8sf] jf;nft, gfkmf gf]S;fg lx;fa, gfkmf gf]S;fg af+8kmf+8 lx;fa / gub k|jfx ljj/0f ;lxtsf] jflif{s cfly{s k|ltj]bg oxfFx?n] k|fKt ul/ ;Sg' ePsf] ljZjf; ub}{ sDkgL P]g, @)^# sf] bkmf !)(-$_ adf]lhdsf] ljj/0fx? ;d]t ;dfj]z u/L ;ldIff cjlwdf o; a}+sn] u/]sf] k|ult, cy{tGqsf] ;ldIff tyf ;du| a}+lsË If]qn] ef]u]sf r'gf}tLx? / a}+sn] xfl;n u/]sf pknAwLx? ;lxtsf] ;+rfns ;ldltsf]

k|ltj]bg o; ;efsf] :jLs[ltsf nflu k|:t't ub{5' .

!= ;ldIff aif{sf] sf/f]af/sf] l;+xfjnf]sgM

lgIf]k ;+sngM cf= j= @)&!.&@ Dff a}+sn] ?= #^ cj{ &@ s/f]8 lgIf]k kl/rfng u/]sf]df ;ldIff aif{ cf= j= @)&@.&# df &^=$! k|ltztn] a[l4 eO{ ^$ cj{ &* s/f]8 k'u]sf] 5 . s"n lgIf]kdf ;+:yfut lgIf]ksf] c+z $(=$& k|ltzt /x]sf] 5 . ;ldIff aif{sf] s"n lgIf]kdf rNtL lgIf]ksf] c+z $=!@ k|ltzt, d'2tL lgIf]ksf] c+z $!=^$ k|ltzt, art lgIf]ksf] c+z @*=&$ k|ltzt, dfu]sf] avt ltg'{ kg{] lgIf]k -sn l8kf]lh6_ sf] c+z @@=#@ k|ltzt / cGo lgIf]ksf] c+z #=!* k|ltzt /x]sf] 5 . a}+sn] ;+:yfut lgIf]ksf] c+z g]kfn /fi6« a}+sn] tf]s]sf] k|ltzt leq} /xg] ul/ lgIf]k ;+sng ul/ cfPsf] 5 .

shf{ tyf ;fk6M cf= j= @)&!.&@ Dff a}+sn] ?= @& cj{ @* s/f]8 shf{ nufgL u/]sf]df ;ldIff aif{ cf= j=

@)&@.&# df ($=#) k|ltztn] a[l4 eO{ a}+ssf] shf{ nufgL ?= %# cj{ @ s/f]8 k'u]sf] 5 . ;ldIff aif{df a}+sn] nufgL u/]sf] shf{ ;fk6df l/on :6]6 shf{sf] c+z &=^! k|ltzt, xfplhË shf{sf] c+z !)=#*

k|ltzt, dflh{g n]l08Ë shf{sf] c+z !=%^ k|ltzt, cfjlws shf{sf] c+z !*=#^ k|ltzt, clwljsif{0f

shf{sf] c+z %=*@ k|ltzt, 6«i6 l/l;K6 shf{÷cfoft shf{sf] c+z #=*$ k|ltzt, l8df08 tyf cGo rfn" k"FhL shf{sf] c+z @)=!& k|ltzt, xfo/kr]{h shf{sf] c+z ^=%@ k|ltzt, ljkGg ju{ shf{sf] c+z %=#%

k|ltzt, ljN; v/Lb shf{sf] c+z !=^# k|ltzt / cGo shf{ !(=*% k|ltzt /x]sf] 5 . a}+sn] nufgL u/]sf] s"n shf{df xfO8«f]kfj/ tkm{ !$=#^ k|ltzt, s[lif shf{ tkm{ %=(( k|ltzt, ;fgf tyf demf}nf

pBf]u tkm{ !=(* k|ltzt /x]sf] 5 . a}+sn] k|jfx u/]sf] shf{df pTkfbgd'ns shf{sf] lx:;f #$=!& k|ltzt

/x]sf] 5 . v'b|f, ;fgf tyf demf}nf nufot pTkfbgd'ns If]q tkm{ shf{ nufgLnfO{ a[l4 ub}{ nlug] 5 .

PgPdla a}+s lnld6]8sf] cfly{s jif{ @)&@÷)&# sf] ;+rfns ;ldltsf] jflif{s k|ltj]bg


nufgLM cf= j= @)&!.&@ Dff a}+sn] ?= % cj{ (* s/f]8 nufgL u/]sf]df ;ldIff aif{ cf= j= @)&@.&# df $@=!@

k|ltztn] a[l4 eO{ ?= * cj{ %) s/f]8 k'u]sf] 5 . a}+ssf] nufgLdf ;+ul7t ;+:yfsf] z]o/x?df nufgL

?= @^ s/f]8, g]kfn ;/sf/af6 hf/L a08 tyf 6«]h/L ljN;df ?= $ cj{ $) s/f]8, :jb]zL a}+sx?df ?= # cj{ %! s/f]8 / ljb]zL a}+sx?df ?= #@ s/f]8 /x]sf] 5 .

;+rfng vr{M cf= j= @)&!.&@ Dff a}+ssf] cGo ;+rfng vr{ ?= @* s/f]8 *! nfv /x]sf]df ;ldIff aif{ cf= j= @)&@.&# df ^$=#^ k|ltztn] a[l4 eO{ ?= $& s/f]8 #% nfv k'u]sf] 5 . cf= j= @)&!.&@ Dff a}+ssf]

sd{rf/L vr{ ?= @) s/f]8 !* nfv /x]sf]df ;ldIff aif{ cf= j= @)&@.&# df !##=%$ k|ltztn] a[l4 eO{

?= $& s/f]8 !# nfv k'u]sf] 5 . ;~rfng vr{df s]xL a[l4 ePtfklg ;~rfng vr{ :jLs[t jh]6sf] kl/lwleq /x]sf] 5 .

cfDbfgLM cf= j= @)&!.&@ Dff a}+sn] ?= ! cj{ #! s/f]8 s'n ;+rfng cfDbfgL u/]sf]df ;ldIff aif{ cf= j= @)&@.&# df (& k|ltztn] a[l4 eO{ ?= @ cj{ %* s/f]8 k'u]sf] 5 . ;ldIff aif{df a}+ssf] v'b d'gfkmf ut aif{sf] ?= %) s/f]8 ( nfvsf] t'ngfdf !@@=%& k|ltztn] a[l4 eO{ ?= ! cj{ !! s/f]8 k'u]sf] 5 . ;ldIff aif{df a}+ssf] Jofh cfDbfgL ut aif{sf] ?= @ cj{ #! s/f]8sf] t'ngfdf &% k|ltztn] a[l4 eO{ ?= $ cj{ % s/f]8 k'u]sf] 5 . o;}u/L, a}+ssf] /fli6«o tyf cGt/f{li6«o Jofkf/sf] If]qdf u/]sf] sf/f]jf/af6 x'g]

sldzg tyf z'Nssf] cfDbfgLdf ut aif{sf] t'ngfdf *% k|ltztn] j[l4 eO{ ?= $! s/f]8 %& nfv k'u]sf] 5 . ljb]zL ljlgdosf] sf/f]jf/af6 x'g] d'gfkmf ut aif{sf] t'ngfdf #$ k|ltztn] a[l4 eO{ ?= !^ s/f]8 @ nfv k'u]sf] 5 . a}+sn] gofF lsl;dsf If]q tyf ;]jfx?df cfkm\gf] nufgL a9fpFb} nu]sf] / pk/f]Qm pknAwLx? xfl;n x'g'df ;Ifd / bIf Joj:yfkgsf sf/0fn] ubf{ ;Dej ePsf] xf] .

k"FhLsf]if, shf{ lgIf]k, cfwf/ Jofhb/ / t/ntf cg'kftM ;ldIff aif{df k"FhLsf]if kof{Kttf cg'kft g]kfn

/fi6« a}+saf6 tf]lsPsf] !) k|ltzt eGbf dfly !)=(* k|ltzt /x]sf] 5 . To:t}, shf{ lgIf]k cg'kfttkm{ klg a}+sn] bIftfk"j{s shf{ tyf lgIf]ksf] Joj:yfkg u/L &*=^( k|ltztdf sfod /fv]sf] 5 . t/ntf cg'kft

g]kfn /fi6« a}+sn] tf]s]sf] ;Ldfsf] kl/lwleq @&=$% k|ltzt sfod /x]sf] 5 . a}+ssf] cfwf/ Jofhb/ ^=^* k|ltzt /x]sf] 5 .

lgis[o shf{ cg'kftM lgliqmo shf{ ut jif{ )=$@ k|ltzt /x]sf]df ;ldIff jif{df !=*! k|ltzt k'u]sf] 5 .

Do"Ro"cn km08M PgPdla a}+sn] lj=;+= @)&! df PgPdla ;'ne OGe]i6d]G6 km08 gfds Do"Ro"cn km08 hf/L

u/]sf] / ;f]sf] k|ult ;Gtf]ifhgs /x]sf] 5 . ;ldIff aif{df PgPdla xfOla|8 km08 Pn–! sf] nflu cg'dlt

k|fKt ePsf] / of] k|ltj]bg tof/ kfbf{sf] lbg;Dd pQm km08 afF8kmfF8 ;d]t eO{;s]sf] 5 .

C0fkqM cf= j= )&!÷&@ df a}+saf6 laqmL ePsf] %) s/f]8sf] C0fkq ldlt @)&& efb| % df kl/kSj

x'g]5 . C0fkq e'QmfgLsf nflu a}+sn] k|To]s aif{ lglZrt /sd 5'6\ofO{ C0fkq e'QmfgL sf]ifdf /fVb} cfPsf] 5 . xfn;Dd of] sf]ifdf !@ s/f]8 && nfv hDdf ePsf] 5 .

7

;ldIff aif{df a}+ssf] ljQLo cj:yfsf] d'Vo emns lgDg adf]lhdsf] /x]sf] 5 .

-¿= xhf/df_

qm=;=qm=;= ljj/0fljj/0f cf= j= )&!.&@ cf= j= )&!.&@ cf= j= )&@.&# cf= j= )&@.&# a[l4 /sd a[l4 /sd j[l4 k|ltztj[l4 k|ltzt

! s"n lgIf]k 3,67,22,918 6,47,81,464 2,80,58,546 76.41

@ s"n shf{ tyf ;fk6 2,72,88,891 5,44,59,411 2,71,70,520 99.57

# s"n nufgL 59,83,872 85,04,126 25,20,254 42.12

$ v'b Jofh cfDbfgL 9,67,368 20,13,282 10,45,914 108.12

% sldzg tyf l8:sfpG6 / cGo ;+rfng cfDbfgL 2,24,886 4,15,721 1,90,835 84.86

^ ljb]zL ljlgdo sf/f]jf/af6 cfDbfgL 1,19,514 1,60,269 40,755 34.10

& s"n ;~rfng cfDbfgL 13,11,767 25,89,272 12,77,505 97.39

* s"n ;~rfng vr{ 2,88,112 4,73,549 1,85,437 64.36

( ;~rfng d'gfkmf -;Defljt gf]S;fgL Joj:yf cl3sf]_ 8,21,840 16,44,411 8,22,571 100.09

!) v'b d'gfkmf 5,00,990 11,15,065 6,14,075 122.57

!! r'Qmf k"FhL 27,32,365 55,18,636 27,86,271 101.97

!@ k"FhL kof{Kttf cg'kft -∞_ 11.13 10.98 -0.15_ -1.35_

-k"FhL kof{Kttf cg'kft @)&# cflZjg d;fGtdf !$=)* k|ltzt /x]sf] 5 ._

Zffvf ;~hfnM

;ldIff jif{df a}+sn] ^( j6f zfvfx?, ^ j6f PS;6]G;g sfp06/x? tyf $( j6f Pl6Pdx?af6 u|fxsx?nfO{ ;]jf k|bfg ul/ cfPsf]df of] k|ltj]bg tof/ kfbf{sf lbg;Dd a}+ssf] zfvf ;+Vof &!,

PS;6]G;g sfp06/sf] ;+Vof & tyf Pl6Pdsf] ;+Vof %& k'u]sf] 5 . If]qut ?kdf a}+ssf] zfvf ;+Vof

k"jf{~rndf @!, dWodf~rndf @%, klZrdf~rndf @!, dWoklZrdf~rndf @ / ;'b'/ klZrdf~rndf @ x'g k'u]sf] 5 . a}+sn] ;fgf tyf demf}nf pBf]ux?nfO{ nufgL ug{sf nflu sf7df8f}+sf] Go"/f]8df SME HUB,

v'b|f a}+lsË Jofkf/sf] If]qdf ljz]if hf]8 lbg] p2]Zon] sf7df8f}+sf] gS;fndf Retail HUB :yfkgf u/]sf] 5 . ;fy}, ljz]if lsl;dsf /fli6«o tyf cGt/f{li6«o ;+:Yffx? tyf ljz]if lsl;dsf] ;]jf lbg'kg]{ u|fxsx?

;d]tnfO{ nlIft u/L sf7df8f}+sf] sflGtky zfvfaf6 Priority Banking ;]jf k|bfg ub}{ cfPsf] 5 . a}+sn]

cfufdL lbgx?df ;]jf gk'u]sf If]qx?df zfvf tyf Pl6Pd ;+Vof a[l4 ul/ u|fxsx?nfO{ yk ;]jf lbg] sfo{nfO{ lg/Gt/tf k|bfg ug]{5 .

u|fdL0f If]qsf hgtfx?nfO{ ;d]t a}+lsË ;'ljwf k|bfg ug]{ p2]Zon] a}+sn] zfvf /lxt -a|fGrn];_ a}+lsË

;]jf k|bfg ub}{ cfPsf] 5 . h;af6 u|fxsx?n] cfkm\g} 3/ b}nf]af6 a}+lsË ;'ljwf kfPsf 5g\ . ;+ej eP;Dd o; k|sf/sf] a}+lsË ;]jfnfO{ b]zsf u|fdL0f If]q tyf a}+lsË ;]jf gk'u]sf :yfgx?df klg lj:tf/ ub}{ nlug] 5 .


a}+sn] ;ldIff jif{df dn]l;of tyf ef/tsf # j6f a}+s tyf /]ld6\ofG; sDkgLx?;Fu ToxfF /f]huf/Lsf]

l;nl;nfdf /x]sf g]kfnL bfh'efO{ tyf lblbjlxgLx?sf] cfDbfgLnfO{ o; a}+s dfkm{t\ leq\ofpgsf nflu

;Demf}tf u/]sf] 5 . o:tf] ;Demf}tf ut aif{x?df ;d]t s'j]t, sf]l/of, b'jO{, dn]lzof cflb b]zsf a}+s tyf /]ld6\ofG; sDkgLx?;Fu eO{ o; a}+s dfkm{t\ /]ld6\ofG; sf/f]jf/ eO{/x]sf] 5 . o:tf] lsl;dsf]

;Demf}tfx?af6 a}+sn] ljb]zL d'b|fsf] lgIf]ksf] cfwf/sf] bfo/f a9fpg ;Sg] ck]Iff ul/Psf] 5 . a}+sn] cGo ;Defljt b]zx?df ;d]t o; lsl;dsf] ;]jf lj:tf/sf] nflu cfjZos cWoog ul//x]sf] 5 .

ljb]zdf k|ltlglw sfof{noM

a}+sn] dn]lzofsf] SjfnfnDk"/ l:yt n]a'x k;f/ a];f/l:yt lj:df :6]«6;\ 6«]l8Ë lalN8Ëdf :yfkgf u/]sf] ;Dks{ sfof{non] ;Dks{ laGb'sf ?kdf /lx a}+ssf] /]ld6\ofG; nufot cGo Joj;fo a[l4sf nflu sfo{ ub}{ cfPsf] 5 . o;af6 b'O{ b]zaLr Jofkf/ clea[l4 x'g'sf ;fy} g]kfnL cy{tGq Pj+ pknJw ljQLo ;]jf ;DjGwdf hfgsf/L cfbfgk|bfg ug{ ;xof]u ldn]sf] 5 . ;fy}, k|ltlglw sfof{non] dn]lzog Joj;foLx? tyf ljb]zl:yt cGo ;+:yfx?;Fusf] Jofkfl/s sf/f]af/nfO{ ;xh agfpg] tkm{ ;Dks{ laGb'sf

?kdf /lx sfo{ ub}{ cfPsf] 5 .

@= /fli6«o tyf cGt/f{li6«o kl/l:yltaf6 sDkgLsf] sf/f]jf/nfO{ k/]sf] c;/M

cGt/f{li6«o cfly{s kl/b[ZoM

cGt/f{li6«o d'b|f sf]ifn] ljZj cy{tGqsf] j[l4b/ ;g\ @)!^ df #=@ k|ltzt / ;g\ @)!& df #=% k|ltzt /xg] cg'dfg u/]sf] 5 . ljsl;t d'n'sx?sf] cy{tGq ;g\ @)!^ df !=( k|ltztn] / ljsf;zLn tyf pbLodfg cy{tGqx?sf] j[l4b/ ;g\ @)!^ df $=! k|ltzt tyf ;g\ @)!& df $=^ k|ltzt /xg] k|If]k0f 5 .

;g\ @)!^ df ef/tsf] cy{tGq &=% k|ltzt tyf rLgsf] cy{tGq ^=% k|ltztn] a9\g] sf]ifsf] k|If]k0f 5 . k]6«f]lnod kbfy{, wft' nufotsf j:t'x?sf] d"No Go"g :t/df /x]sfn] pbLodfg tyf ljsf;zLn cy{tGqsf]

d'b|f:kmLlt b/ ;g\ @)!^ df $=% k|ltzt /xg] sf]ifsf] k|If]k0f 5 . ;g\ @)!^ df ef/tsf] %=# k|ltzt / rLgsf] !=* k|ltzt d'b|f:kmLlt b/ /xg] k|If]k0f 5 . ;g\ @))* sf] ljQLo ;+s6 kZrft\ ljsl;t d'n'ssf s]Gb|Lo a}+sx?n] cjnDag ub}{ cfPsf] df}lb|s gLltsf] u}/–k/Dk/fjfbL] c8fgdf s]xL kl/jt{g b]lvPsf]

5 . cd]l/sL km]8]/n l/he{n] Aofhb/nfO{ Go"g ;Ldfdf /fVb} cfPsf]df /f]huf/ ahf/df cfPsf] ;'wf/;Fu}

;g\ @)!% l8;]Da/df km]8]/n km08 /]6sf] 6fu]{6 /]GhnfO{ )=@% k|ltzt ljGb'n] j[l4 u/L df}lb|s gLltnfO{

;fdfGoLs/0f ub}{ n}hfg] ;+s]t u/]sf] 5 . kmn:j?k, cd]l/sL 8n/ yk alnof] eO{ g]kfnL ?k}ofF s]xL sdhf]/ ag]sf] 5 . Hffkfg tyf :jL6\h/Nof08 h:tf d'n'sx?n] C0ffTds Aofhb/ gLlt cjnDag u/]sf

5g\ eg] o'/f]k]nL s]Gb|Lo a}+sn] Aofhb/nfO{ Go"g ;Ldfdf /fVb} cfPsf] 5 . kl5Nnf] ;do ef/t tyf rLgn] ;d]t nlrnf] df}lb|s gLlt cjnDag ub}{ cfPsf 5g\ . ->f]tM df}lb|s gLlt )&#÷)&$_

9

cfGtl/s cfly{s l:yltM

cfly{s jif{ @)&@÷&# Dff s'n ufx{:Yo pTkfbg j[l4b/ nlIft ^ k|ltzteGbf cToGt Go"g )=^ k|ltzt

-pTkfbssf] d"Nodf_ /xg] cg'dfg 5 . df};dL k|lts"ntfsf] sf/0f s[lif If]qsf] pTkfbg j[l4b/ !=# k|ltzt,

e"sDksf] k|efj / ;Ldf gfsf ;[lht cfk"lt{ Jojwfgsf sf/0f u}/–s[lif If]qsf] j[l4b/ )=^ k|ltzt /xg] cg'dfg 5 . cfly{s jif{ @)&!÷&@ df s'n ufx{:Yo pTkfbg j[l4b/ @=& k|ltzt /x]sf] lyof] . cfly{s jif{ @)&@÷&#

df s'n ufx{:Yo pTkfbgdf pkef]usf] cg'kft ($=& k|ltzt / o;sf] kl/0ffd:j?k s"n ufx{:Yo artsf] cg'kft %=# k|ltzt /xg] b]lvG5 . s'n /fli6«o art cg'kft eg] $@=( k|ltzt /xg] cg'dfg 5 . s'n l:y/

k'FhL lgdf{0f cg'kft eg] @% k|ltzt /xg] b]lvG5 . cfGtl/s ljQLo ;fwgsf] pRr pknAwtfsf] t'ngfdf Go"g nufgL l:ylt g]kfnsf] s]xL jif{otfsf] k|j[lQ xf] . kmn:j?k, g]kfnsf] rfn' vftf pNn]Vo artdf /xFb} cfPsf]

5 . cfly{s jif{ @)&@÷&# df jflif{s cf};t d'b|f:kmLlt b/ *=% k|ltzt /xg] k|If]k0f lyof] . ;Ldf gfsf ;[lht cfk"lt{ Jojwfgsf sf/0f rfn' cfly{s jif{sf] P3f/ dlxgfsf] cf};t pkef]Qmf d'b|f:kmLlt b/ (=( k|ltzt /x]sf] 5 . cl3Nnf] jif{ o:tf] d'b|f:kmLlt b/ &=@ k|ltzt /x]sf] lyof] . jflif{s ljGb'ut cfwf/df @)&# h]7 dlxgfdf pkef]Qmf d'b|f:kmLlt b/ !!=! k|ltzt /x]sf] 5 . o; cjlwdf vfB tyf k]o kbfy{ ;d"xsf] d"No j[l4b/ !!=( k|ltzt / u}/–vfB tyf ;]jf ;d"xsf] d"No j[l4b/ !)=% k|ltzt /x]sf] 5 . cfly{s jif{ @)&@÷&# sf nflu

g]kfn ;/sf/n] ?= *!( ca{sf] ah]6 ;fj{hlgs u/]sf] lyof] . o; dWo] k'FhLut vr{ ?= @)( ca{ / rfn' vr{ ?= $*$ ca{ /xg] cg'dfg ul/Psf]df @)&# c;f/ @$ ut];Dd gub k|jfxdf cfwfl/t k'FhLut vr{ ##=@ k|ltzt / rfn" vr{ ^%=! k|ltzt ePsf] 5 . cfly{s jif{ @)&@÷&# sf] P3f/ dlxgf;Dddf zf]wgfGt/ l:ylt ?= !&! ca{ !% s/f]8n] artdf 5 . cfoft ;+s'rgsf sf/0f zf]wgfGt/ art pNn]Vo /x]sf] xf] . pRr zf]wgfGt/ art /x]sf] kl/0ffd:j?k @)&# h]7 d;fGtdf ljb]zL ljlgdo ;+lrlt ?= !)@! ca{ &$ s/f]8

k'u]sf] 5 . cfly{s jif{ @)&@÷&# sf] df}lb|s gLltdf sDtLdf * dlxgfsf] j:t' tyf ;]jf cfoft wfGg] nIo /flvPsf]df ljb]zL ljlgdo ;+lrlt nlIft :t/eGbf w]/} dfly /x]sf] 5 . zf]wgfGt/ artsf] d'Vo cfwf/ ljk|]if0f cfk|jfxsf] j[l4b/df lu/fj6 cfO/x]sf] 5 . ;dli6ut cfly{s :yfloTjdf v]n]sf] e"ldsfnfO{ b[li6ut

ubf{ ljk|]if0f cfk|jfxdf xfn b]lvPsf] ;':ttfn] g]kfnL cy{tGqsf] Joj:yfkgdf r'gf}tL yKg] b]lvG5 . @)&@ c;f/ d;fGtsf] t'ngfdf @)&# c;f/ @( ut] g]kfnL ?k}ofF cd]l/sL 8n/;Fu %=^ k|ltztn] cjd"Nog ePsf]

5 . cl3Nnf] jif{sf] ;f]xL cjlwdf g]kfnL ?k}ofF cd]l/sL 8n/;Fu %=# k|ltztn] cjd"Nog ePsf] lyof] . @)&# c;f/ @( ut] cd]l/sL 8n/ Pssf] ljlgdo b/ ?= !)&.!# k'u]sf] 5 . @)&@ c;f/ d;fGtdf pQm ljlgdo

b/ ?= !)!.!$ /x]sf] lyof] . ->f]tM df}lb|s gLlt )&@÷)&#_

;du|df b]zsf] s[lif tyf u}/ s[lif If]qsf] a[l4b/df ;+s'rg cfpg'sf ;fy} @)&@ j}zfv !@ ut]sf] e"sDksf]

c;/, ljk|]if0fsf] cfk|jfxsf] a[l4b/df lu/fj6 tyf ljsf; vr{df sdLsf sf/0fx?n] d'n'ssf] ;du|

cfly{s ultljlwdf gsf/fTds k|efj kf/]sf] x'Fbf s"n ufx{:Yo pTkfbgsf] a[l4b/ Go"g /xg uPsf sf/0f a}+lsË If]qsf] Joj;fosf] lj:tf/df o;sf] c;/ b]lvPsf] 5 . t/ klg ljsf;zLn l5d]sL d'n'sx?sf]

cfly{s a[l4af6 x'g ;Sg] kmfObfx? tyf a}+lsË If]qsf] Joj;fosf] lj:tf/df b]lvPsf] c;/nfO{ Go"lgs/0f ug{sf nflu g]kfn /fi6« a}+sn] lnPsf sbdx?sf sf/0f s]xL dfqfdf ePklg a}+lsË If]qnfO{ /fxt

k'u]sf kfO{G5 . o; a}+sn] /fli6«o tyf cGt/f{li6«o kl/l:yltx?af6 >[lht Jojwfgx?nfO{ plrt Jo:yfkg

ub}{ cuf8L a9g ;Ifd ePsf] 5 .


#= rfn' aif{sf] pknlAw / eljiodf ug'{kg]{ s'/fsf] ;DaGwdf ;+rfns ;ldltsf] wf/0ffM

a}+ssf] rfn' cfly{s aif{ @)&#÷)&$ sf] cflZjg dlxgf;Ddsf] k|d'v ljQLo emnsx? lgDgfg';f/ /x]sf] 5 M

-¿= xhf/df_

qm=;=qm=;= ljj/0fljj/0f! s"n lgIf]k 6,55,85,352

@ s"n shf{ tyf ;fk6 5,60,60,407

# s"n nufgL 90,70,725

$ v'b Jofh cfDbfgL 6,33,292

% sldzg tyf l8:sfpG6 / cGo ;+rfng cfDbfgL 1,39,193

^ ljb]zL ljlgdo sf/f]jf/af6 cfDbfgL 61,889

& s"n ;~rfng cfDbfgL 8,34,375

* s"n ;~rfng vr{ 2,90,916

( ;~rfng d'gfkmf -;+Defljt gf]S;fgL Joj:yf cl3sf]_ 5,43,459

!) v'b d'gfkmf 3,53,684

!! r'Qmf k"FhL 54,30,062

!@ hu]8f tyf sf]ifx? 41,96,960

!# k"FhL kof{Kttf cg'kft -∞_ 14.08

efjL of]hgfM

a}+sn] cfkm\gf ljleGg zfvfx? Dffkm{t\ a}+lsË kxF'r gk'u]sf] hg;+VofnfO{ a}+lsË kxF'r k'¥ofO{ lghx?nfO{ a}+s vftf vf]Ng tyf art ug]{ afgLsf] ljsf; ug{ k|f]T;fxg ub}{ cfPsf] 5 . o;sf nflu a}+sn] Ps 3/

Ps vftf cleofg ;+rfng ub}{ cfPsf] 5 . of] cleofgnfO{ eljiodf ;d]t lg/Gt/tf lbO{g]5 .

a}+sn] s[lif / ;fgf tyf demf}nf shf{x?sf] cfsf/nfO{ a[l4 ub}{ n}hfg] /0fgLlt lnPsf] 5 . ;fy} a}+sn]

hnljB't, gljs/0fLo pmhf{ nufot pTkfbgd'ns If]qdf shf{ nufgL a[l4 ug{ ljz]if Wofg lbg]5 . ;f]sf

nflu Joj;flos ;DefJotf ePsf] :yfgx?df a}+ssf] zfvf ;+hfn lj:tf/ ug]{ sfo{nfO{ k|fyldstf lbO{g]5 . u|fxsx?nfO{ bIftfk"j{s / ;xL a}+lsË ;]jf pknAw u/fpg k|fljlws ?kdf a}+snfO{ bIf agfpg] / xfn

eO{/x]sf] k|ljlwx?nfO{ cfjZostf cg';f/ cBfjlws ug]{ sfo{ ul/g]5 .

a}+ssf] ljk|]if0f sf/f]jf/ a[l4 ug{sf nflu ljleGg b]zx?df Ph]G6x? lgo'Qm ug]{ tyf ;f]sf] cg'udg tyf ljk|]if0f sf/f]jf/sf] a[l4sf nflu a}+saf6 sd{rf/L v6fpg] tyf ljleGg ljk|]if0f ;]jf k|bfosx?;+u

;Demf}tf u/L a}+s dfkm{t ljk|]if0f leq\ofpg kxn ul/g] 5 .

le;f 8]lj6 tyf qm]l86 sf8{sf] Joj;fo lj:tf/df ljz]if Wofg lbO{g] 5 . ;f]sf nflu rfn' cfly{s jif{af6

a}+sn] le;f 8]lj6 tyf qm]l86 sf8{ Kn]6kmd{sf nflu cfkm\g} :jLr k|of]udf Nofpg k|of;/t 5 . o; lsl;dsf] qm]l86 sf8{af6 u|fxsx?n] b]z leq / aflx/ ;d]t ;'ljwf pkef]u ug{ ;Sg]5g\ .

1111

a}+sn] ;xfos sDkgLx?sf] sf/f]jf/sf] cfsf/ a[l4sf nflu ljz]if Wofg lbg]5 . Do"Ro"cn km08sf]

sf/f]jf/ a[l4sf nflu gofF of]hgf ;lxtsf] Do"Ro"cn km08 hf/L ug]{ k|s[of cl3 a9fO{g] 5 .

a}+ssf] ;+:yfut ;fdflhs pQ/bfloTj cGtu{t xfn ;+rfng ul/cfPsf] sfo{qmdx?nfO{ lg/Gt/tf lbOg]5 .

$= cf}Bf]lus tyf Joj;foLs ;DaGwM

a}+sn] cfkm\gf ;a} ;/f]sf/jfnfx?;Fu kf/blz{tf / Jofj;flostfsf cfwf/df ;f}xfb{k"0f{ / Jofj;flos

;DaGw lj:tf/ u/]sf] 5 . a}+ssf] efjL k|ult / ;kmntfsf nflu o:tf ;DaGwx? pko'Qm dfWod x'g] ljZjf; xfdLn] lnPsf 5f}+ .

%= ;+rfns ;ldltdf ePsf] x]/km]/M

@)cf}+ jflif{s ;fwf/0f ;efaf6 lgjf{lrt ;+rfnsx?n] xfn;Dd ;+rfns ;ldltsf] ;b:osf] ?kdf /lx sfo{ ub}{ cfpg' ePsf] / >L gGb lszf]/ /f7L PkmPkmcf], g]b/Nof08;\sf] tkm{af6 ;+rfns /xg' ePsf >L lgsf] lknsf] j}slNks ;+rfnssf] ?kdf lgo'Qm x'g' ePsf] 5 .

^= sf/f]jf/nfO{ c;/ kfg]{ d'Vo s'/fx?M

a}+ssf] sf/f]af/nfO{ c;/ kfg]{ d'Vo hf]lvdx? tyf r'gf}tLx? tn pNn]v ul/P cg';f/ /x]sf 5g\M

™ ljsf; vr{df sdL, ljk|]if0fsf] cfk|jfxsf] a[l4df b]lvPsf] sld cflbsf] sf/0f t/ntfdf cfPsf] ptf/ r9fj / ;f]sf] sf/0f lgIf]k / shf{sf] Aofhb/ Joj:yfkgdf b]lvPsf ;d:ofx?,

™ a}+saf6 k|jfx x'g] shf{ tyf a}+saf6 k|bfg ul/g] u}x|–sf]ifdf cfwfl/t ;]jf ;'ljwfx?af6 x'g;Sg] ;+efljt hf]lvdx?,

™ ljb]zL ljlgdo sf/f]jf/ ubf{ ljlgdo b/df x'g] kl/jt{gaf6 x'g;Sg] ;+efljt hf]lvdx?, ™ b]zsf] /fhg}lts tyf cGo jfXo sf/0fx?af6 cfoft tyf lgof{tdf b]lvPsf] ;d:ofsf sf/0fn] shf{

tyf Jofh e'StfgLdf b]lvPsf] ;d:ofaf6 >[lht hf]lvdx?,

™ /fi6«sf] cfly{s, df}lb|s tyf ljQLo gLlt kl/jt{gaf6 x'g;Sg] ;+efljt hf]lvdx?,

™ cGt/f{li6«o cfly{s tyf ljQLo If]qsf] lzlyntfaf6 g]kfnL ahf/df kg{;Sg] c;/af6 x'g;Sg] hf]lvdx?,

™ j}slNks nufgL If]qsf] cefj tyf cfGtl/s ahf/df b]lvPsf] ;+s'rgsf sf/0f cfDbfgLsf] ;|f]tdf kg{;Sg] c;/x?,

™ Go"g cfly{s j[l4, nfdf] ;dosf] ljB't cfk"lt{ s6f}tL, >d ;d:of, nuftf/sf] aGb x8tfn, dhb"/ ;d:of cflbsf sf/0f cy{tGqdf k/]sf] k|efjsf sf/0f o; If]qdf b]lvPsf c;/x?, cflb .

&= n]vf k/LIf0f k|ltj]bgdf s'g} s}lkmot pNn]v ePsf] eP ;f]pk/ ;+rfns ;ldltsf] k|lts[ofM

a}+ssf] Joj;fodf tflTjs c;/ kg]{ s}lkmot n]vf kl/If0f k|ltj]bgdf pNn]v gePsf] .

*= nfef+z afF8kmfF8 ug{ l;kmfl/; ul/Psf] /sdM

;ldIff aif{sf] ljt/0f of]Uo /sdaf6 r'Qmf k"FhLdf !( k|ltzt af]g; z]o/ tyf ! k|ltzt gub nfef+;

-s/ k|of]hgsf nflu_ u/L ?= !,)*,^),!@,$($÷– -cIf]/]lk Ps cj{ cf7 s/f]8 ;f7L nfv afx| xhf/ rf/

;o rf}/fgAa]_ ljt/0f ug]{ k|:tfj ul/Psf] 5 .


(= z]o/ hkmt ePsf] eP hkmt ePsf] z]o/ ;+Vof, To:tf] z]o/sf] c+lst d"No, To:tf] z]o/ hkmt x'g'eGbf cufl8 g} To;afkt sDkgLn] k|fKt u/]sf] hDdf /sd / To:tf]

z]o/ hkmt ePkl5 pQm z]o/ laqmL u/L sDkgLn] k|fKt u/]sf] /sd tyf hkmt ePsf] z]o/afkt /sd lkmtf{ u/]sf] eP To;sf] ljj/0fM

;ldIff aif{df s'g} klg z]o/ hkmt ePsf] 5}g .

!)= ut cfly{s jif{df sDkgL / o;sf] ;xfos sDkgLsf] sf/f]af/ k|ult / To;} cfly{s

jif{sf] cGTodf ljBdfg cj:yfsf] k'g/fjnf]sgM

ut cfly{s aif{df sDkgLsf] k|utL a'Fbf g+ ! df pNn]v ul/Psf] 5 . a}+ssf] ;xfos sDkgLx?sf] k|ult a'Fbf g+= @%-v_ df pNn]v ePsf] 5 .

!!= sDkgL tyf o;sf] ;xfos sDkgLn] cfly{s aif{df u/]sf] k|d'v sf/f]af/ / To; cjlwdf sDkgLsf] sf/f]af/df cfPsf] dxTjk"0f{ kl/jt{gM

o; a}+ssf] ztk|ltzt :jfldTjdf /x]sf] ;xfos sDkgL PgPdla Soflk6n lnld6]8n] o; a}+ssf] z]o/ /lhi6«f/sf] sfo{ ;d]t ub}{ cfPsf] 5 . ;xfos sDkgL PgPdla Soflk6ndf a}+ssf Ps sd{rf/LnfO{ k|d'v sfo{sf/L clws[tdf lgo'Qm ul/Psf] 5 . ;xfos sDkgL PgPdla Soflk6n lnld6]8 / PgPdla dfOqmf]kmfOgfG; ljQLo ;+:yf lnld6]8;Fusf] sf/f]jf/x?sf] ljj/0f cg';"lr $=## sf] a'Fbf g+= #& df / cGo ljj/0fx? o;} k|ltj]bgsf] a'Fbf g++ @%-v_ df pNn]v ul/Psf] 5 .

!@= ut cfly{s jif{df sDkgLsf cfwf/e"t z]o/wgLx?n] sDkgLnfO{ pknAw u/fPsf] ;"rgf tyf hfgsf/LM

s]xL gePsf] .

!#= ut cfly{s aif{df sDkgLsf ;+rfns tyf kbflwsf/Lx?n] lnPsf] z]o/

:jfldTjsf] ljj/0f / sDkgLsf] z]o/ sf/f]af/df pgLx? ;+nUg ePsf] eP To;;DaGwdf pgLx?af6 sDkgLn] k|fKt u/]sf] hfgsf/LM

s]xL gePsf] .

!$= ut cfly{s jif{df sDkgL;Da4 ;Demf}tfx?df s'g} ;+rfns tyf pgLx?sf] glhssf] gft]bf/sf] JolQmut :jfy{sf af/]df pknAw u/fOPsf] hfgsf/Lsf] Joxf]/fM

o; k|sf/sf] s'g} ;Demf}tf gePsf] .

1313

!%= sDkgLn] cfkm\gf] z]o/ cfkm}+ vl/b u/]sf] eP To;/L cfkm\gf] z]o/ vl/b ug'{sf] sf/0f, To:tf] z]o/sf] ;+Vof / c+lst d"No tyf To;/L z]o/ vl/b ubf{ sDkgLn]

e'QmfgL u/]sf] /sdM

;ldIff jif{df cfkm\gf] z]o/ cfkm} vl/b ug]{ sfd gePsf] .

!^= cfGtl/s lgoGq0f k|0ffnL eP jf gePsf] / ePsf] eP To;sf] lj:t[t ljj/0fM

a}+s ;+rfns ;ldltaf6 g]kfn /fi6« a}+ssf] lgb]{zg tyf a}+ssf] gLlt lgodsf] clwgdf /lx cfGtl/s lgoGq0f k|0ffnLnfO{ dha't agfO{ ljleGg hf]lvdx? Joj:yfkg ul/ a}+snfO{ pTs[i6 Pj+ ;jn?kdf ;+rfng ul/ nufgLstf{x?sf] lxtsf] ;+/If0fsf nflu cfjZos gLlt, sfo{ljlwx? agfO{ nfu' ul/Psf] 5 . a}+sdf /x]sf] hf]lvd Joj:yfkg ljefun] :jtGq ?kdf hf]lvdnfO{ k|efjsf/L ?kdf lgoGq0f

ug]{ tyf Joj:yfkg ug]{ sfo{ ug'{sf ;fy} ;do ;dodf hf]lvd lgoGq0fsf] If]qdf eP u/]sf sfo{x?sf] k'g/fjnf]sg ;d]t ug]{ u/]sf] 5 . pQm ljefun] k|rlnt sfg"g, g]kfn /fi6« a}+såf/f hf/L ul/Psf lgb]{zgx?, a}+ssf] gLlt tyf sfo{ljlwx? Kffngf eP gePsf] s'/fx?sf] cg'udg ul/ a}+sdf ;+yfut ;'zf;g sfod /fVg] sfo{df dxTjk"0f{ of]ubfg ub}{ cfPsf] 5 . a}+ssf] Joj;flos /0fgLltx? tyf a}snfO{ cfjZos /x]sf] dxTjk"0f{ gLltx? ;+rfns ;ldltaf6 :jLs[t u/fO{ nfu' ul/Psf] 5 / ;f]xL adf]ldh a}+s

Joj:yfkgn] hf]lvd Joj:yfkgsf] sfo{ ub}{ cfPsf] 5 .

a}+s ;+rfns ;ldltaf6 k|rlnt sfg"g tyf g]kfn /fi6« a}+saf6 hf/L ul/Psf] lgb]{zgsf] clwgdf /lx ;+rfns ;ldlt txsf n]vf k/LIf0f ;ldlt, hf]lvd Joj:yfkg ;ldlt / dfgj ;+zfwg ;ldlt ul/ tLg j6f ;ldltx? u7g ul/Psf] 5 . tL ;ldltx?df ljleGg hf]lvdx?sf jf/]df kof{Kt 5nkmn x'g] u/]sf] / ;f]sf] af/]df ;+rfns ;ldltnfO{ ;d]t hfgsf/L u/fpg] ul/Psf] 5 . Joj:yfkg txdf pRr

Joj:yfkg ;ldlt, shf{ hf]lvd Joj:yfkg ;ldlt, ;+rfng hf]lvd ;ldlt, ;DklQ tyf bfloTj ;ldlt, dfgj ;+zfwg ;ldlt, ;"rgf tyf k|ljlw ;ldlt tyf ;'zf;g ;ldlt nufotsf ;ldltx?n] a}+ssf]

hf]lvd Joj:yfkg ug{sf nflu ljleGg sfo{ ub}{ cfPsf 5g\ . ;fy}, ;DklQ z'4Ls/0f;Fu ;DalGwt sfg"g

tyf g]kfn /fi6« a}+saf6 hf/L ul/Psf] lgb]{zgx?sf] kfngf ub}{ ;DklQ z'4Ls/0f x''gaf6 hf]ufpg a}+sn] ljif]z k|of; ub}{ cfPsf] 5 .

a}+sn] cfGtl/s lgoGq0f k|0ffnLnfO{ dha't agfO{ ljleGg hf]lvdx? Joj:yfkg ug{sf nflu sd{rf/Lx?nfO{

ljleGg k|sf/sf tflndx? k|bfg ub}{ cfPsf] 5 .


;+rfns ;ldltsf] txdf u7g ePsf ;ldltx?M

n]vf k/LIf0f ;ldltM

o; ;DaGwdf a'Fbf g+= !* df pNn]v ul/Psf] 5 . ;+rfns

hf]lvd Joj:yfkg ;ldltM

Pshgf ;+rfnssf] ;+of]hsTjdf a}+sdf hf]lvd Joj:yfkg ;ldltsf] u7g ul/Psf] 5 . n]vf k/LIf0f ;ldltsf ;+of]hsnfO{ hf]lvd Joj:yfkg ;ldltdf kb]g ;b:osf] ?kdf /flvPsf] 5 . hf]lvd Joj:yfkg ljefusf k|d'v ;b:o ;lrj /xg' ePsf] pQm ;ldltdf cg'kfng ljefu k|d'v / k|d'v ;"rgf clws[t ;b:o /xg' ePsf] 5 . Joj:yfkg txsf] hf]lvd ;ldltn] klxrfg u/]sf hf]lvdx?, g]kfn /fi6« a}+saf6 hf/L ePsf] lgb]{zgx?df x'g] d'Vo kl/jt{gx? tyf df}lb|s gLltdf ePsf kl/jt{gx?sf] sf/0faf6 a}+ssf] /0fgLltdf tTsfn} kg]{ k|efjx? tyf k"FhL sf]if, t/ntfsf] cj:yf, shf{ lgIf]k cg'kft, a}+ssf] hf]lvd

jxg Ifdtf, ;+efljt hf]lvdx?sf] ef/ kl/If0f nufotsf d'Vo ljifox?df 5nkmn ug{ o; ;ldltsf] a}7s a:g] u/]sf] 5 . pQm ;ldltdf ePsf] 5nkmnsf] lgisif{ ;+rfns ;ldltdf hfgsf/L÷k'g/fjnf]sgsf] nflu k]z ug]{ ul/Psf] 5 .

sd{rf/L ;]jf ;'ljwf ;ldltM

Pshgf ;+rfnssf] ;+of]hsTjdf sd{rf/L ;]jf ;'ljwf ;ldltsf] u7g ul/Psf] 5 . pQm ;ldltdf k|d'v sfo{sf/L clws[t, gfoa k|d'v sfo{sf/L clws[t, k|d'v ;"rgf clws[t ;b:osf] ?kdf / sd{rf/L k|zf;g ljefusf k|d'v ;b:o ;lrjsf] ?kdf /x]sf 5g\ . sd{rf/Lx?sf] ;]jf ;'ljwf ;DaGwL ljlgodfjnL, sd{rf/L ;DaGwL cGo gLltx? / sd{rf/L pQ/flwsf/L of]hgf, sd{rf/Lx?sf] tnj eQf / ;+u7gfTds ;+/rgf

cflb ljifox?df o; ;ldltdf 5nkmn ug]{ ul/Psf] 5 .

!&= ut cfly{s jif{sf] s"n Joj:yfkg vr{sf] ljj/0fM

;ldIff cf= j= df o; a}+ssf] sd{rf/L vr{ tyf sfof{no ;+rfng vr{ cGtu{tsf Joj:yfkg vr{ ?= ($ s/f]8 $* nfv /x]sf] 5 .

!*= n]vfk/LIf0f ;ldltsf ;b:ox?sf] gfdfjnL, pgLx?n] k|fKt u/]sf] kfl/>lds, eQf / ;'ljwf, ;ldltn] u/]sf sfd sf/afxLsf] ljj/0f / pQm ;ldltn] s'g} ;'emfj lbPsf] eP To;sf] ljj/0fM

a}+sn] g]kfn /fi6« a}+ssf] lgb]{zgdf pNn]v eP adf]lhd ;+rfnssf] ;+of]hsTjdf yk Pshgf

;+rfns ;b:o / cfGtl/s n]vf k/LIf0f ljefusf k|d'v ;b:o ;lrj /xg] ul/ lgDg adf]lhdsf] n]vf k/LIf0f ;ldltsf] u7g ul/Psf] 5 .

>L xl/ZrGb| ;'j]bL – ;+of]hs

>L lhjgdfg hf]zL – ;b:o >L u0f]z k/fh'nL – ;b:o ;lrj

1515

n]vf k/LIf0f ;ldltn] g]kfn /fi6« a}+sn] n]vf k/LIf0f ;ldltsf] nflu tf]s]sf] lgb]{zgsf] kl/lwleq /xL

cfkm\gf] sfo{ ;Dkfbg ub}{ cfPsf]] 5 . n]vf k/LIfsaf6 k|fKt k|To]s k|ltj]bgsf ;DaGwdf n]vf k/LIf0f ;ldltdf 5nkmn tyf k'g/fjnf]sg u/L ;'wf/sf] nflu cfjZos lgb]{zg lbg] u/]sf] 5 . ;ldltn] n]vf

k/LIf0f sfo{af6 k|To]s hf]lvdsf If]qx?nfO{ klxrfg u/L k|ltj]bgdf ;f]sf] ;Daf]wg eP gePsf] eGg] ljifodf ljZj:t x'g] u/]sf] 5 . n]vf k/LIfsaf6 k|fKt ePsf] k|ltj]bgnfO{ n]vf k/LIf0f ;ldltdf 5nkmn

tyf k'g/fjnf]sg u/L ;do ;dodf ;+rfns ;ldltdf k]z ug]{ ul/Psf] 5 . n]vf k/LIf0f ;ldltaf6

lgoldt ?kdf ;+rfns ;ldltdf ;'emfjx? k|fKt eO{/x]sf] 5 . ;fy}, rfn' cfly{s aif{b]lv a}+sn] hf]lvddf cfwfl/t cfGtl/s n]vf k/LIf0f -Risk Based Internal Audit_ z'? ul/;s]sf] 5 .

;ldIff aif{df n]vf k/LIf0f ;ldltsf] @& j6f a}+7s a;]sf] lyof] . pQm ;ldltsf ;b:ox?nfO{ k|lt a}7s

?=!@,)))÷– a}7s eQf k|bfg ul/Psf] 5 . ;b:o ;lrjnfO{ a}7s eQf k|bfg ug]{ ul/Psf] 5}g .

!(= ;+rfns, k|aGw ;+rfns, sfo{sf/L k|d'v jf cfwf/e"t z]o/wgLx? jf ltgLx?sf glhssf gft]bf/x? jf lghx?sf] sDkgLnfO{ s'g} /sd a'emfpg afFsL eP To;sf] ljj/0fM

;ldIff aif{df To:tf] s'g} /sd gePsf] .

@)= ;+rfns, sfo{sf/L k|d'v tyf cGo kbflwsf/Lx?nfO{ e'QmfgL ul/Psf] kfl/>lds, eQf jf cGo ;'ljwfsf] /sdM

o;} k|ltj]bgsf] cg';"rL æsÆ cg';f/ .

@!= z]o/wgLx?n] a'lemlng afFsL /x]sf] nfef+z /sdM

a}+sn] 3f]if0ff u/]sf] nfef+z dWo] cfly{s jif{ @)&@÷&# sf] cGTo;Dddf z]o/wgLx?af6 bfaL gcfPsf] /sd

?= #,$),!#,#%(÷– /x]sf] 5 . z]o/wgLx?nfO{ nfef+z /sd a'emL lng cfpg] jf/]sf] hfgsf/Lsf] ;'rgf x/]s aif{ /fli6«o b}lgs klqsfdf k|sflzt ug]{ ul/Psf] / a}+ssf] j]a;fO{6 www.nmb.com.np df uO{ x]g{ ;lsg] Aoj:yf ldnfO{Psf] 5 .

@@= sDkgL P]g, @)^# sf] bkmf !$! cg';f/ v/Lb jf laqmL ul/Psf] ;DklQsf] ljj/0fM

;dLIff jif{df a}+sn] sfof{no lgdf{0f ug]{ k|of]hgsf nflu sf7df8f}+ lhNnf, sf7df8f}+ dxfgu/kflnsf j8f g+= #!, sdnfbLdf % /f]kgL hUuf vl/b u/]sf] 5 .

@#= sDkgL P]g, @)^# sf] bkmf !&% cg';f/ ;Da4 sDkgLx?aLr ePsf] sf/f]af/sf] ljj/0fM

o;} k|ltj]bgsf] a"Fbf g+= !! df rrf{ ul/Psf] 5 .

@$= sDkgL P]g, @)^# tyf k|rlnt sfg"g adf]lhd ;+rfns ;ldltsf] k|ltj]bgdfv'nfpg'kg]{ cGo s'g} s'/fx?M

o; aflif{s k|ltj]bgdf ;fGble{s 7fpFx?df v'nfOPsf] 5 .


@%= cGo cfjZos s'/fx? M

-s_ PkmPdcf]n] z]o/ :jfldTj a[l4 u/]sf] ;DaGwdf

o; a}+ssf] @)cf+} aflif{s ;fwf/0f ;efaf6 Nederlandse Financierings-Maatschappij Voor Ontwikkelings

landen N. V. (FMO) sf] xsdf r'Qmf k"FhLsf] slDtdf @) k|ltzt z]o/ nufgL a[l4 ug{sf nflu pQm ;+:yfsf]

xsdf ;+rfns ;ldltn] tf]s] adf]lhdsf] kl/df0f / d"Nodf gofF z]o/ lgisfzg ug{ tyf ;f]xL adf]lhd a}+ssf] k"FhL a[l4 ug{ ;+rfns ;ldltnfO{ clwsf/ k|bfg u/] adf]lhd o; a}+s / FMO sf] aLrdf ldlt

!$ ;]K6]Da/ @)!^ df pQm ;+:yfn] k|lt lsQf c+lst d"No ?= !,))÷– df ?= !%)÷– lk|ldod yk u/L hDdf k|lt lsQf d"No ?= @%)÷– sf b/n] z]o/ vl/b laqmL ug]{ ul/ ;Demf}tf eO{ pQm ;+:yfsf] xsdf k|lt lsQf d"No ?= @%)÷– df ($,#!,#*$ -cIf/]lk rf}/fgAa] nfv PstL; xhf/ tLg ;o rf}/f;L dfq_ lsQf gofF z]o/ lgisfzg eO{ afF8kmfF8 ;d]t eO{;s]sf] 5 .

PkmPdcf] lgb/n}08;\ cGt/f{li6«o ?kdf /fd|f] 5jL ePsf] Standard & Poor’s / Fitch h:tf ;+:yfx?n] AAA /]l6Ë u/]sf] lgb/n}08 ;/sf/ ;d]tsf] nufgL /x]sf] cGt/f{li6«o ljsf; a}+s xf] . pQm a}+ssf] ljZjsf *% b]zx?df pkl:ylt /x]sf] 5 . pQm a}+ssf] nufgL a[l4af6 o; a}+ssf] dfq geO{ ;du| a}+lsË

If]qnfO{ ;xof]u k'Ug]5 . pmhf{{ If]qsf] ljsf;df pQm ;+:yfn] ljif]z hf]8 lbg] ePsfn] ;du| cfly{s If]qdf pQm a}+ssf] pkl:yltn] ;sf/fTds ;Gb]z hfg] Joxf]/f ;d]t cg'/f]w ub{5f}+ .

-v_ ;xfos sDkgL / o;sf k|ultx? .

PgPdla Soflk6n lnld6]8

a}+sn] O{Ge]i6d]06 a}+lsË lqmofsnfknfO{ lg/Gt/tf lbgsf nflu a}+ssf] k"0f{ :jfldTjdf /xg] u/L ?= !) s/f]8 k"FhL nufgL u/L ;xfos sDkgLsf] ?kdf PgPdla Soflk6n lnld6]8sf] :yfkgf u/]sf] xf] . cf= j=

@)&!÷&@ df o; sDkgLn] pNn]Vo k|ult xfl;n ug{ ;kmn ePsf] 5 . cf= j= @)&!÷&@ df sDkgLsf] v'b gfkmf cl3Nnf] aif{sf] t'ngfdf @# k|ltztn] a[l4 eO{ ?= @ s/f]8 ^& nfv k'u]sf] 5 . sDkgLn] ;ldIff jif{df lwtf]kq lgZsfzg tyf laqmL k|jGwsTjaf6 ut cfly{s aif{ eGbf @) k|ltztn] cfDbfgLdf a[l4

u/]sf] 5 . ahf/df b]lvPsf] clws t/ntfsf afjh'b sDkgLn] Aofhaf6 k|fKt ug]{ cfDbfgL cl3Nnf] aif{s}

xf/fxf/Ldf /fVg ;kmn ePsf] 5 . o; ;xfos sDkgLaf6 cf= j= @)&)÷&! sf] @!=)% k|ltztsf b/n] nfef+z k|fKt ePsf]df cf= j= @)&!.)&@ df ;d]t nfef+z /sd @!=)% k|ltztsf b/n]] k|fKt ePsf] 5 .

cfly{s jif{ @)&@÷)&# sf s]xL pknAwLx? o; k|sf/ /x]sf 5g\M

!= ;xfos sDkgL PgPdla Soflk6nn] ;ldIff aif{df lgisf;g tyf laqmL k|jGws, z]o/ /lh6«f/, k|Tofe"lt,

6«li6 ;]jfx?nfO{ lg/Gt/tf lbO{ cfPsf] 5 . sDkgLn] u|fxsx?nfO{ z]o/ cef}lts/0f ;]jf k|bfg ug{sf nflu alnof] k"jf{wf/ v8f u/]sf] 5 .

@= o; ;xfos sDkgL a}+saf6 hf/L Do"r'cn km08 æPgPdla ;'ne OGe]i6d]G6 km08 !Æ sf] nufgL

Joj:yfks tyf l8kf ]lh6/Lsf] ?kdf sfo{ ub}{ cfPsf] 5 . o; sDkgLn] g]kfn lwtf]kq af]8{af6 :jLs[lt lnO{ cflZjgsf] klxnf] xKtfaf6 Do"r'cn km08sf] k|fylds z]o/ lg:sfzg z'? u/]sf] 5 .

1717

PgPdla Soflk6n lnld6]8jf;nft

@)&# cfiff9 d;fGtsf] jf;nft

k"FhL tyf bfloTjk"FhL tyf bfloTj rfn' jif{ -?=_rfn' jif{ -?=_ ut jif{ -?=_ut jif{ -?=_

!= z]o/ k"FhL 10,00,00,000.00 10,00,00,000.00

@= hu]8f tyf sf]ifx? 5,24,35,461.75 4,67,05,320.23

#= e'QmfgL lbg'kg]{ bfloTjx? 4,89,58,821.68 5,12,38,74,085.69

$= k|:tfljt tyf e'QmfgL lbg afFsL nfef+z – –

%= cfos/ bfloTj 3,38,95,844.01 2,45,14,964.59

^= cGo rfn' bfloTj tyf Joj:yfx? 66,52,707.67 63,19,521.61

s"n k"FhL tyf bfloTj s"n k"FhL tyf bfloTj 24,19,42,835.11 24,19,42,835.11 5,30,14,13,892.12 5,30,14,13,892.12

;Dklt;Dklt rfn' jif{ -?=_rfn' jif{ -?=_ ut jif{ -?=_ut jif{ -?=_

!= gub df}Hbft 1,100.00 1,100.00

@= a}+s tyf ljQLo ;+:yfx?df /x]sf] df}Hbft 11,89,07,426.24 5,17,84,23,112.63

#= nufgL 6,07,93,080.00 6,67,73,570.00

$= l:y/ ;DklQ 29,83,381.05 44,30,837.69

%= cGo ;DklQ 5,92,57,847.82 5,17,85,271.80

hDdfhDdf 24,19,42,835.11 24,19,42,835.11 5,30,14,13,892.12 5,30,14,13,892.12


PgPdla Soflk6n lnld6]8gfkmf gf]S;fg lx;fj

@)&@ >fj0f ! ut]b]lv @)&# cfiff9 #! ut] ;Ddsf] gfkmf gf]S;fg lx;fj ljj/0f

ljj/0fljj/0f rfn' jif{ -?=_rfn' jif{ -?=_ ut jif{ -?=_ut jif{ -?=_

Joj;foLs cfDbfgL

lwtf]kq Joj:yfkgaf6 cfDbfgL 2,72,20,745.40 2,02,38,786.90

z]o/ /lhi6«f/ ;]jfaf6 cfDbfgL 43,59,104.48 51,93,320.63

k|Tofe"lt ;]jfaf6 cfDbfgL – 8,37,527.00

nufgL Joj:yfkgaf6 cfDbfgL 2,41,80,137.50 1,17,97,910.49

cGo cfDbfgL 21,16,891.74 2,35,598.90

Aofh cfDbfgL 76,47,370.26 2,15,65,878.03

s'n Joj;foLs cfDbfgL 6,55,24,249.38 5,98,69,021.95

sd{rf/L tyf k|zf;lgs vr{ M 2,62,15,975.19 1,71,44,692.17

sd{rf/L ;DaGwL vr{x? 1,28,01,666.96 64,76,656.85

sfof{no tyf k|zf;lgs vr{x? 1,34,14,308.23 1,06,68,035.32

;~rfng d'gfkmf 3,93,08,274.19 4,27,24,329.78

u}/ ;~rfng cfDbfgL÷gf]S;fg – –

lgoldt sf/f]jf/af6 ePsf] d'gfkmf 3,93,08,274.19 4,27,24,329.78

c;fdfGo sf/f]jf/af6 ePsf] cfDbfgL÷vr{ – –

af]g; tyf s/ cl3sf] d'gfkmf 3,93,08,274.19 4,27,24,329.78

sd{rf/L af]g; Joj:yf 35,73,479.47 38,84,029.98

s/ cl3sf] d'gfkmf 3,57,34,794.72 3,88,40,299.80

cfos/ Joj:yf 89,52,021.62 97,10,074.95

o; aif{sf] s/ Joj:yf 93,80,879.42 1,00,38,308.82

ljut jif{sf] s/ Joj:yf – –

:yug s/ vr{÷-cfDbfgL_ -4,28,857.80_ -3,28,233.87_

s/ kl5sf] v'b d'gfkmf 2,67,82,773.10 2,91,30,224.85

1919

PgPdla dfOqmf]kmfOgfG; ljQLo ;+:yf lnld6]8

PgPdla a}+ssf] ;xfos sDkgLsf] ?kdf /x]sf] o; ljQLo ;+:yfsf] hf/L k"FhL ?= $ s/f]8 ^) nfv

/x]sf]df PgPdlj a}+ssf] %! Kf|ltzt, cGo ;+:yfks JolQmsf] !( k|ltzt / ;j{;fwf/0fsf] #) k|ltzt z]o/

:jfldTj /x]sf] 5 . kf]v/f pkdxfgu/kflnsf j8f g+= @( ldngrf]s, x]Dhf, sf:sLdf d'Vo sfof{no /x]sf] o; ljQLo ;+:yfn] lxdfNfL tyf kxf8L If]qsf lhNnfx?df $@ j6f zfvf ;+rfng u/]sf] 5 .

o; ljQLo ;+:yfn] @)&# ;fn cflZjg d;fGt ;Dddf b]zsf ljs6 lxdfnL tyf kxf8L If]qsf #)! uflj;sf #(,$*# 3/kl/jf/x?nfO{ pgLx?sf] 3/b}nf]df jrt, shf{, jLdf h:tf ljQLo ;]jf k|bfg ug'{sf

;fy} ljleGg ;+3 ;+:yfx?;Fu ;xsfo{ u/L :yfgLo :t/df ;fdflhs sfo{df xf};nf k|bfg ug{] tyf ;xhstf{sf] e"ldsf lgjf{x ug{] sfo{ ul//x]sf]] 5 . o; ;+:yfsf] @)&# cflZjg d;fGtdf shf{ k|jfx

?= ! cj{, ^ s/f]8, ^% nfv / lgIf]k jrt ?= @# s/f]8 #! nfv /x]sf] 5 . o; ;xfos sDkgLaf6 cf= j= @)&!.)&@ sf] nfef+zaf6 !% k|ltztsf b/n]] jf]g; z]o/ k|fKt ePsf] 5 .

cfly{s jif{ @)&@÷)&# sf s]xL pknlAwx? o; k|sf/ /x]sf lyPM

o; ;+:yfn] o; cjlwdf lgodfg';f/ r'Qmf k"FhL ?= $,^),)),)))÷– -rf/ s/f]8 ;f7\7L nfv_ sf] !M!=@ sf] cg'kftdf ?= %,%@,)),)))÷– -kfFr s/f]8 afpGg nfv ?k}ofF_ xsk|b z]o/ lg:sfzg ug]{ ljif]z

;fwf/0f ;efaf6 lg0f{o eO{;s]sf] 5 . pQm xsk|b z]o/ lgZsfzg kZrft ;+:yfsf] hf/L tyf r'Qmf k"FhL ?= !),!@,)),)))÷– -bz s/f]8 jfx| nfv ?k}ofF_ k'Ug] ePsf] 5 .

ljQLo ;+:yfn] cfly{s jif{ @)&@÷)&# df yk & j6f zfvfx? lj:tf/ u/]sf] 5 .

ljQLo ;+:yfn] o; cjlwdf r'Qmf k"FhLsf] ^% k|ltzt v'b d'gfkmf cfh{g ug{ ;kmn eO{ r'Qmf k"FHfLsf] @% k|ltztn] x'g cfpg] /sdnfO{ jf]gz z]o/sf] ?kdf / jf]gz z]o/ jfkt nfUg] s/ k|of]hgsf] nflu

cfjZos /sd gub nfef+z ljt/0f ug{ ;Ifd ePsf] 5 .

ljQLo ;+:yfn] ljleGg /]ld6\ofG; sDkgL;Fusf] ;xsfo{df /]ld6\ofG; ;]jf k|bfg ul/ cfPsf] 5 .

ljQLo ;+:yfn] ljg/s OG6/g];gn / cfs{ kmfOgfG;;Fusf] ;xsfo{df ljleGg gljs/0fLo pmhf{ k|j{4g

sfo{qmd;DaGwL ljleGg pTkfbg ljqm]tf sDkgLx?;Fusf] ;xsfo{df ;~rflnt gljs/0fLo pmhf{ kl/of]hgf cGtu{t ljkGg ju{ ;d'bfonfO{ ;f}o{ 6'sL, ;f]nf/ aQL / 3/fo;L ;f]nf/sf] vl/bsf nflu ljleGg ljqm]tf

sDkgL;Fu ;Demf}tf u/L j}slNks pmhf{ shf{ nufgL ug]{ To;sf] nflu sd{rf/L tyf u|fxsnfO{ j}slNks pmhf{;Fu ;DalGwt tflnd k|bfg ug{] sfo{sf] z'?cft ePsf] 5 .


PgPdla dfOqmf]kmfOgfG; ljQLo ;+:yf lnld6]8jf;nft

@)&# cfiff9 d;fGt

k"FhL tyf bfloTj k"FhL tyf bfloTj o; aif{ ?=o; aif{ ?= ut aif{ ?=ut aif{ ?=

!= z]o/ k"FhL 8,56,52,000 4,60,00,000

@= hu]8f tyf sf]ifx? 2,15,49,967 37,91,321

#= C0fkq tyf aG8

$= ltg{ af+sL shf{ ;fk6 86,05,07,964 45,08,34,786

%= lgIf]k bfloTj 19,27,34,644 8,48,06,388

^= k|:tfljt nfef+z 6,05,263 3,15,790

&= cfos/ bfloTj 1,20,216

*= cGo bfloTj 1,57,75,687 53,67,205

s"n k"FhL tyf bfloTjs"n k"FhL tyf bfloTj 1,17,69,45,741 1,17,69,45,741 59,11,15,491 59,11,15,491

;DklQ;DklQ o; aif{ ?=o; aif{ ?= ut aif{ ?=ut aif{ ?=

!= gub df}Hbft -l;Ssf ;d]t_ 1,22,539 3,02,683

@= g]kfn /fi6« a}+sdf /x]sf] df}Hbft 52,30,000 27,80,000

#= a}s÷ljQLo ;+:yfdf /x]sf] df}Hbft 22,88,63,669 17,51,703

$= dfu tyf cNk ;"rgfdf k|fKt x'g] /sd 12,14,69,839

%= nufgL

^= shf{ ;fk6 92,77,48,427 44,34,58,717

&= l:y/ ;DklQ 87,81,047 76,74,384

*= u}/ a}lsª ;DklQ(= cGo ;DklQ 62,00,059 1,36,78,165s"n ;DklQs"n ;DklQ 1,17,69,45,741 1,17,69,45,741 59,11,15,491 59,11,15,491

2121

PgPdla dfOqmf]kmfOgfG; ljQLo ;+:yf lnld6]8gfkmf gf]S;fg lx;fa

@)&@ ;fn >fj0f ! ut]b]lv @)&# ;fn cfiff9 d;fGt;Dd

ljj/0fljj/0f o; aif{ ?=o; aif{ ?= ut aif{ ?=ut aif{ ?=!= Jofh cfDbfgL 12,43,47,043 5,78,73,459 @= Jofh vr{ 4,127,4,229 1,91,46,123

v"b Jofh cfDbfgLv"b Jofh cfDbfgL 8,30,72,814 8,30,72,814 3,87,27,337 3,87,27,337 #= sldzg tyf cGo ;~rfng cfDbfgL 2,47,44,019 1,20,02,780 $= ;6xL 36a9 cfDbfgL

s"n ;~rfng cfDbfgLs"n ;~rfng cfDbfgL 10,78,16,833 10,78,16,833 5,07,30,116 5,07,30,116 %= sd{rf/L vr{ 3,42,81,479 2,00,09,818 ^= cGo ;~rfng vr{ 1,71,27,027 1,10,66,585 &= ;6xL 36a9 gf]S;fg

;Defljt gf]S;fgL Joj:yf cl3sf] ;~rfng d"gfkmf;Defljt gf]S;fgL Joj:yf cl3sf] ;~rfng d"gfkmf 5,64,08,327 5,64,08,327 1,96,53,713 1,96,53,713 *= ;Defljt gf]S;fgL Joj:yfx? 95,41,900 29,10,044

;~rfng d"gfkmf;~rfng d"gfkmf 4,68,66,427 4,68,66,427 1,67,43,670 1,67,43,670 (= u}/ ;~rfng cfDbfgL÷vr{ 1,54,886 21,300 !)= ;Defljt gf]S;fgL Joj:yfaf6 lkmtf{ 1,47,077

lgoldt sf/]fjf/af6 ePsf] d"gfkmflgoldt sf/]fjf/af6 ePsf] d"gfkmf 4,70,21,313 4,70,21,313 1,69,12,047 1,69,12,047 !!= c;fdfGo sf/f]jf/x?af6 ePsf] cfDbfgL vr{

;Dk"0f{ sf/f]jf/ ;dfj]z kl5sf] v"b d"gfkmf;Dk"0f{ sf/f]jf/ ;dfj]z kl5sf] v"b d"gfkmf 4,70,21,313 4,70,21,313 1,69,12,047 1,69,12,047 !@= sd{rf/L af]g; Joj:yf 42,74,665 15,37,459 !#= cfos/ Joj:yf 1,28,82,739 46,36,051

o; jif{sf] s/ Aoj:yfo; jif{sf] s/ Aoj:yf 1,34,19,191 1,34,19,191 39,54,323 39,54,323 ljut jif{;Ddsf] s/ Aoj:yfljut jif{;Ddsf] s/ Aoj:yf

o; jif{sf] :yug s/ -cfDbfgL_÷vr{o; jif{sf] :yug s/ -cfDbfgL_÷vr{ -5,36,451_-5,36,451_ 6,81,727 6,81,727 v"b gfkmf÷gf]S;fgv"b gfkmf÷gf]S;fg 2,98,63,909 2,98,63,909 1,07,38,537 1,07,38,537

-u_ ;+:yfut ;fdflhs pQ/bfloTjM

a}+saf6 ;+:yfut ;fdflhs pQ/bfloTj cGtu{t ;ldIff aif{df dxfe'sDkn] Iflt ePsf ;fF:s[lts ;Dkbfx?nfO{ aiff{af6 x'g ;Sg] yk Ifltaf6 hf]ufpgsf nflu lqkfn ljt/0f ug'{sf ;fy} a}+s tyf a}+ssf sd{rf/Lx?af6 ;+slnt /fxt ;fdu|L k|ToIf?kn] e'sDk lkl8t hgtfx?nfO{ ljt/0f ul/Psf] lyof] .

;ldIff aif{df klg a}+sn] cfkm\gf] ;+:yfut ;fdflhs pQ/bfloTj cGtu{t ;fF:s[lts ;Dkbfsf] ;+/If0f ug]{ cfkm\gf] cleofgnfO{ lg/Gt/tf lb+b} ljut aif{x?df h:t} ;fF:s[lts k]l06Ë k|ltof]lutf sf7df8f}++ nufot b]zsf ljleGg :s"nx?df cfof]hgf u/]sf] lyof] . o;}u/L ;Dkbf ;+/If0fsf] nflu hgdfg;df hfu/0f u/fpg / /sd ;+sng u/L sf7df8f}++ tyf aflx/sf ;Dkbfx?sf] lh0ff]{åf/ ug{sf nflu a}+sn] ;Dkbf lxF8fO{ sfo{qmd -Heritage Walkathon_ sf] cfof]hgf u/]sf] lyof] .

a+}sn] cfkm\gf] @)cf}+ jif{ufF7sf] cj;/df b]zel/ km}lnPsf] cfkm\gf] zfvf ;Ghfn dfkm{t ljleGg ;fdflhs sfo{x? h:t} ljkGg ljBfy{L{ ju{nfO{ z}lIfs ;fdu|L, a[4f>dnfO{ hf8f]sf] n'uf, vfg]kfgL, vfBfGg nufot cGo ;fdu|Lx?sf] ljt/0f u/]sf] lyof] . o;sf ;fy} u|fdL0f If]qsf ljkGg ju{sf ;fgf jfnjflnsfx?;Fu cWoogsf nflu plrt k':tssf] cefj /xL cfPsf] x'Fbf / ltgLx?nfO{ k9\gsf nflu k|f]T;fxg ug]{ p2]Zon] a}+sn] gofF tyf k'/fgf pkof]uL k':tsx? a}+s sd{rf/L, z]o/wgL, u|fxs tyf cGo JolQmx?af6 ;+sng u/L pgLx?nfO{ ljt/0f ub}{ cfPsf] 5 .


-3_ dfgj ;+zfwgM a}+ssf] efjL of]hgfsf] ;kmn sfof{Gjog tyf a}+ssf] ;du| ljsf;sf nflu k|lta4 / pTkfbglzn sd{rf/Lsf] cfjZostfnfO{ Wofg lbFb} sd{rf/Lx?sf] ljsf; tyf Joj:yfkgdf a}+sn] ljif]z Wofg lbPsf] 5 . cfhsf] k|lt:kwf{Tds jftfj/0fdf dfgj ;+zfwgsf] ljsf; tyf ;f]sf] k|efjsf/L Joj:yfkgn] dfq cfkm\gf u|fxsx?nfO{ ;Gt'i6L k|bfg ug{ ;Sg] / o;n] ahf/df a}+ssf] k|efjsf/L pkl:ylt agfO{ /fVg d'Vo e"ldsf v]Ng] ePsfn] klg sd{rf/Lx?sf] Ifdtf ljsf; tyf Joj:yfkgdf a}+sn] ljz]if hf]8 lb+b} cfPsf] 5 . a}+sn] sd{rf/Lsf] j[lQ ljsf;nfO{ ;3fpgsf nflu cfGtl/s tyf afXo tflndx? ;+rfng ub}{ cfPsf] 5 . ;ldIff cjlwdf !@@ hgf sd{rf/Lx?n] cfGtl/s tyf @## hgf sd{rf/Lx?n] jfXo tflnd k|fKt u/]sf 5g\ .

;ldIff aif{df a}+ssf] ;]jf k|lt k|lta4 sd{rf/Lx?sf] s'n ;+Vof &%% /x]sf] 5 . h;df dlxnf sd{rf/Lx?sf] ;+Vof @^# hgf / k'?if sd{rf/Lx?sf] ;+Vof $(@ hgf 5g\ . xfn a}+sdf !% jif{eGbf nfdf] cjlw;Dd ;]jf ug]{ sd{rf/Lx?sf] ;+Vof #, !) jif{eGbf nfdf] cjlw;Dd ;]jf ug]{ sd{rf/Lx?sf] ;+Vof @! / % jif{eGbf nfdf] cjlw;Dd ;]jf ug]{ sd{rf/Lx?sf] ;+Vof @%& hgf k'u]sf 5g\ . a}+ssf k|d'v sfo{sf/L clws[tn] o; a}+sdf ljut !& aif{ b]lv cgj/t ;]jf ub}{ cfpg' ePsf] 5 .

-ª_ a}+s Joj:yfkg ;d"xMa}+ssf] Joj:yfkg ;d"xsf] g]t[Tj k|d'v sfo{sf/L clws[t >L pk]Gb| k|;fb kf}8]nn] ug'{ePsf] 5 . @* jif{ nfdf] a}+lsË cg'ej ;FufNg' ePsf >L kf}8]nsf] a}+s Joj:yfkg ;d"xdf b]xfosf kbflwsf/Lx? /xg' eO{ pxfFnfO{ ;xof]u k'¥ofpg' ePsf] 5 .>L ;'lgn s]=;L= – gfoj k|d'v sfo{sf/L clws[t>L k|bLk k|wfg – k|d'v ;"rgf clws[t>L ljho lu/L – k|d'v, tflnd tyf ;]jf k|efjsf/Ltf lgl/If0f >L zjgd lnDa' hf]zL – k|d'v, dfgj ;+zfwg tyf ;fdfGo k|zf;g>L ;/b t]lu t'nfw/ – k|d'v hf]lvd clws[t>L k|df]b s'df/ bfxfn – k|d'v, cg'kfng tyf sDkgL ;lrj

wGojfb 1fkgMa}+ssf] pQ/f]Q/ k|ultsf] sfdgfsf nflu z]o/wgL dxfg'efjx?af6 k|fKt /rgfTds ;Nnfx / ;'emfasf nflu xflb{s wGoafb lbg rfxG5' . ;efdf pkl:yt cfb/0fLo ;Dk"0f{ z]o/wgL dxfg'efjx?, ljleGg lgodgsf/L lgsfox?af6 kfNg'ePsf k|ltlglwx?, ;+:yfut ?kdf o; ;fwf/0f ;efdf k|ltlglwTj ug'{ x'g] k|ltlglwx?, a}+s;Fu ;DalGwt ;a} ;/f]sf/jfnfx? tyf u|fxs dxfg'efjx?, u'0f:t/Lo / pRr ;]jf k|bfg u/L a}+ssf] ljQLo glthfdf k|To]s jif{ pNn]vgLo k|ult xfl;n ug{df ;xof]u k'¥ofpg' x'g] a}s Joj:yfkg tyf ;Dk"0f{ sd{rf/Lx?nfO{ a}+s ;+rfns ;ldltsf] tkm{af6 wGojfb 1fkg ub}{ eljiodf ljutsf jif{x?df em}+ ;xof]usf] ck]Iff ub{5' .

wGojfb .


ldltM @)&#.)(.@$

2323

lwtf]kq btf{ tyf lgisfzglgodfjnL, @)&# sf] cg';"rL – !%

-lgod @^ sf] pklgod @ ;Fu ;DalGwt_

!= ;+rfns ;ldltsf] k|ltj]bg

;+rfns ;ldltsf] k|ltj]bg cf=j= @)&@÷)&# sf] jflif{s k|ltj]bgdf ;+nUg 5 .

@= n]vf k/LIfssf] k|ltj]bg

n]vf k/LIfssf] k|ltj]bg cf=j= @)&@÷)&# sf] jflif{s k|ltj]bgdf ;+nUg 5 .

#= n]vf k/LIf0f ePsf] ljQLo ljj/0f

n]vf k/LIf0f ePsf] ljQLo ljj/0f cf=j= @)&@÷)&# sf] jflif{s k|ltj]bgdf ;+nUg 5 .

$= sfg"gL sf/jfxL ;DaGwL ljj/0f

-s_ o; cjlwdf a}+sn] jf a}+ssf] lj?4 bfo/ ePsf] d'2fsf] ljj/0fM o; a}+saf6 k|jfx ul/Psf] shf{x? -C0f_ dWo] e'QmfgL lng afFsL /x]sf ljleGg lzif{ssf #& yfg shf{x?sf] d'2f ljleGg cbfntdf rln/x]sf] 5 .

-v_ a}+ssf ;+:yfks jf ;+rfnsn] jf ;+:yfks jf ;+rfns lj?4df k|rlnt lgodsf] cj1f jf

kmf}Hbf/L ck/fw u/]sf] ;DaGwdfM

o; ;DaGwdf s'g} d'2f bfo/ gePsf] .

-u_ s'g} ;+:yfks jf ;+rfns lj?4 cfly{s ck/fw u/]sf] ;DaGwdfM

o; ;DaGwdf s'g} d'2f bfo/ gePsf] .

%= ;+ul7t ;+:yfsf] z]o/ sf/f]jf/ ;DaGwL ljZn]if0f

-s_ z]o/ sf/f]jf/df x'g] ptf/ r9fj v'Nnf ahf/n] lgwf{/0f ug]{ ePsf] x'Fbf ;f]xL d"No tyf dfGotf

cg'?k x'g] u/]sf] .

-v_ ut jif{sf] k|To]s q}dfl;s cjlwdf a}+ssf] z]o/sf] clwstd, Go"gtd / clGtd d"Nosf ;fy} s"n

sf/f]jf/ ;+Vof / sf/f]jf/ ePsf] lbg -g]kfn :6s PS;r]Gh lnld6]8 sf] j]j;fO6 cg';f/_

klxnf] q}dfl;sklxnf] q}dfl;s bf]>f] q}dfl;sbf]>f] q}dfl;s t]>f] q}dfl;st]>f] q}dfl;s Rff}yf] q}dfl;sRff}yf] q}dfl;sclwstd d"No – %%& ^!) *##Go"gtd d"No – #*( #*( #*(clGtd d"No %)& $^) ^)( *!)sf/f]jf/ ;+Vof – !,!!* %,**& !#,%#( sf/f]jf/ lbg – $@ (* !^@

-klxnf] q}df;df a}+ssf] dh{/sf sf/0fn] z]o/ sf/f]jf/ /f]Ssf ePsfn] sf/]jf/ gePs.] ._


^= ;d:of tyf r'gf}ltM

cfGtl/s ;d:of tyf r'gf}ltx? M ljsf; vr{df sdL, ljk|]if0fsf] cfk|jfxsf] a[l4df b]lvPsf] sld cflbsf]

sf/0f t/ntfdf cfPsf] ptf/ r9fj / ;f]sf] sf/0f lgIf]k / shf{sf] Aofhb/ Joj:yfkgdf ;d:of,

a}+lsË If]qdf bIf dfgj >f]tsf] sld, j}slNks nufgL If]qsf] cefj, a9\bf] zfvf ;+hfn tyf Joj;fodf j[l4sf sf/0f hf]lvd Joj:yfkgsf If]qdf b]lvPsf sl7gfO{x?nfO{ r'gf}ltsf] ?kdf lnOPsf] 5 . o:tf

r'gf}ltx?nfO{ Joj:yfkg ub}{ hfg' kg]{ ePsfn] ;+rfng vr{df a[l4 x'Fb} uPsf] 5 . o; cj:yfdf a}+snfO{ :j:y ?kdf ;+rfng u/L d'gfkmfdf j[l4 ub}{ n}hfg] sfo{ r'gf}ltk"0f{ /x]sf] 5 .

jfx\o ;d:of tyf r'gf}ltx?M cGt/f{li6«o cfly{s kl/b[Zon] g]kfnL d'b|f cd]l/sL 8n/sf] t'ngfdf cjd'Nog ePsf], d'b|f:kmLlt b/df a[l4 ePsf], @)&@ j}zfv !@ ut]sf] e'sDk / b]zsf] /fhgLlts

cl:y/tfn] d'n'ssf] ;du| cfly{s ultljlwdf gsf/fTds k|efj kf/]sf] x'Fbf s"n ufx{:y pTkfbgsf] j[l4b/df sld eO{ a}+lsË If]qsf] Joj;fosf] lj:tf/df o;sf] c;/ b]lvPsf] 5 . b]zsf] cl:y/ /fhgLlts cj:yf, a]nfa]nfdf x'g] aGb, x8tfn, a}lsË If]qdf a9\bf] c:j:y k|lt:kwf{ cflbnfO{ a}+sn] jfx\o ;d:of tyf r'gf}ltsf] ?kdf lnPsf] 5 . sfj'eGbf aflx/sf] cj:yfdf afx]s pQm r'gf}ltx?af6 l;h{gf x'g] hf]lvdnfO{ ;dfwfg ug{ pko'Qm hf]lvd Joj:yfkgnfO{ k|fyldstf lb+b} cuf8L a9\g] /0fgLlt a}+sn] lnPsf] 5 . tyflk,

cfGtl/s /fhg}lts ;d:ofsf sf/0f nufgL of]Uo If]qdf b]lvPsf] ;+s'rg, cf}Bf]lus If]qdf b]lvPsf >d ;d:of h:tf ;d:ofx? /xL cfPsf 5g\ . oL ;d:ofx?sf] lg/fs/0f ug'{ r'gf}ltk"0f{ /x]sf] 5 .

&= ;+:yfut ;'zf;gM

;+:yfut ;'zf;g clej[l4sf nflu Joj:yfkgåf/f rflnPsf sbd ;DaGwL ljj/0fM

-s_ ;+rfns ;ldltn] :jLs[t u/]sf gLltx?nfO{ sfof{Gjogdf NofO{Psf] .

-v_ Joj:yfkg txdf u7g ul/Psf] ljleGg ;ldltx? -h:t}M ;DklQ tyf bfloTj Joj:yfkg ;ldlt, sd{rf/L kbk"lt{ ;ldlt, shf{ hf]lvd Aoj:yfkg ;ldlt cflb_ lqmoflzn /x]sf] .

-u_ cfGtl/s lgoGq0f k|0ffnLnfO{ Jojl:yt ug{ cfGtl/s n]vf k/LIfsaf6 lgoldt ?kdf n]vfk/LIf0f

u/fO{ k|ltj]bgdf lbOPsf] ;'emfjx?sf] ;dLIff tyf sfof{Gjog u/fpg n]vf k/LIf0f ;ldltsf]

a}7s lgoldt a:g] u/]sf] / ;f]af6 k|fKt lgb]{zgx?nfO{ tTsfn} sfof{Gjogdf NofO{g] ul/Psf] .

-3_ hf]lvd Aoj:yfkg ;ldltsf] a}7s lgoldt ?kdf a:g] u/]sf] / ;f] a}7sdf ef/ kl/If0f, gLlt

lgodx?sf] k|ofKttf, ;+rfng hf]lvd h:tf ljifox?df 5nkmn x'g] u/]sf] / Joj:yfkgnfO{ k|fKt lgb]{zgx?nfO{ kfngf ub}{ cfPsf] .

-ª_ a}lsË sf/f]jf/nfO{ Jojl:yt ug{sf ;fy} ;+rfng hf]lvdx? Go"lgs/0f ug{ ljleGg cfGtl/s gLlt, lgod tyf lgb]{lzsfx? th'{df ul/ nfu" ul/Psf] .

-r_ a}+lsË Joj;fodf x'g ;Sg] unt lqmofsnfknfO{ /f]s nufpgsf nflu ;+:yfut ;'zf;g

O{sfO{sf] u7g ul/Psf] . a}+sdf ;+:yfut ;'zf;g sfod /fVgdf d'Vo lhDd]jf/L k|d'v sfo{sf/L

clws[tnfO{ lbO{Psf] .

2525

*= ljj/0fkqdf k|If]k0f ul/Psf / n]vfk/LIf0f ePsf] ljj/0fx?df aL; k|ltzt jf ;f] eGbf a9L km/s ;DaGwL ljj/0f .

@)&!.!!.)^ df hf/L C0fkqsf nflu hf/L ljj/0f kqdf k|If]lkt ljj/0f tyf @)&# cfiff9 d;fGtsf]

ljlQo ljj/0fx?df aL; k|ltzt jf ;f] eGbf a9L km/s kg{ uPsf zLif{sx? tyf ;f]sf] sf/0f

jf;nft

k"FhL tyf bfloTjk"FhL tyf bfloTj rfn' cf=j=rfn' cf=j=-?= xhf/df_-?= xhf/df_

k|If]lkt /sdk|If]lkt /sd-?= xhf/df_-?= xhf/df_

km/s km/s -k|ltzt_-k|ltzt_ s}lkmots}lkmot

1 z]o/ k"FhL 55,18,636 29,00,000 90.30∞ dh{/sf] sf/0fn]

2 hu]8f tyf sf]ifx? 13,42,524 9,42,545 42.44∞ dh{/sf] sf/0fn]

3 C0fkq tyf aG8 5,00,000 5,00,000 0.00∞ –

4 ltg{ afFsL shf{ ;fk6 14,87,995 – 100.00∞ a}+s;Fu kof{Kt

t/ntf ePsf]n] ubf{

5 lgIf]k bfloTj 6,47,81,464 3,30,99,798 95.72∞ dh{/sf] sf/0fn]

6 e"QmfgL lbg'kg]{ ljnx? – 6,050 –100.00∞k|If]k0fdf æcGo bfloTjÆ zLif{s cGt{ut /flvPsf]

7 k|:tfljt nfef+z 54,301 87,500 –37.94∞ dh{/n] k"FhL j[l4ePsf] sf/0fn]

8 cfos/ bfloTj – – – –

9 cGo bfloTj 9,28,410 302,230 207.19∞ dh{/sf] sf/0fn]

s"n bfloTjs"n bfloTj 7,46,13,328 7,46,13,328 3,78,38,123 3,78,38,123 97.19∞97.19∞

;DklQ;DklQ jf;nftsf] /sd jf;nftsf] /sd -?= xhf/df_-?= xhf/df_


km/s /sdkm/s /sd-k|ltzt_-k|ltzt_ s}lkmots}lkmot

1 gub df}Hbft 14,91,152 4,65,713 220.19∞ dh{/sf] sf/0fn]

2 g]kfn /fi6« a}+sdf /x]sf] df}Hbft 63,90,585 19,85,988 221.78∞ dh{/sf] sf/0fn]

3 a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft 22,98,802 4,96,497 363.00∞ dh{/sf] sf/0fn]

4 dfu tyf cNk ;"rgfdf k|fKt x'g] /sd 5,57,823 6,03,425 –7.56∞ –

5 nufgL 85,04,126 4,5,47,176 87.02∞ dh{/sf] sf/0fn]

6 shf{ ;fk6 tyf ljn vl/b 5,30,21,384 2,81,34,828 88.45∞ dh{/sf] sf/0fn]

7 l:y/ ;DklQ 13,45,519 4,33,972 210.05∞ dh{/sf] sf/0fn]

8 u}/ a}+lsË ;DklQ – – – –

9 cGo ;DklQ 10,03,937 11,70,525 –14.23∞ dh{/sf] sf/0fn]

s"n ;DklQs"n ;DklQ 7,46,13,328 7,46,13,328 3,78,38,123 3,78,38,123 97.19∞97.19∞


gfkmf gf]S;fg lx;faljj/0fljj/0f rfn' cf=j=rfn' cf=j=

-?= xhf/df_-?= xhf/df_k|If]lkt /sdk|If]lkt /sd-?= xhf/df_-?= xhf/df_

km/s km/s -k|ltzt_-k|ltzt_ s}lkmots}lkmot

1 Jofh cfDbfgL 40,53,341 33,50,676 20.97∞ dh{/sf] sf/0fn]2 Jofh vr{ 20,40,059 21,46,834 –4.97∞ dh{/sf] sf/0fn]

v'b Jofh cfDbfgLv'b Jofh cfDbfgL 20,13,282 20,13,282 12,03,843 12,03,843 67.2467.24∞3 sldzg tyf l8:sfp06 1,97,616 1,15,766 70.70∞ dh{/sf] sf/0fn]4 cGo ;+rfng cfDbfgL 2,18,106 1,41,492 54.15∞ dh{/sf] sf/0fn]5 ;6xL 36a9 cfDbfgL 1,60,269 1,23,012 30.29∞ dh{/sf] sf/0fn]

s"n ;+rfng cfDbfgLs"n ;+rfng cfDbfgL 25,89,272 25,89,272 15,84,113 15,84,113 63.4563.45∞ 6 sd{rf/L vr{ 4,71,311 2,25,209 109.28∞ dh{/sf] sf/0fn] 7 cGo ;+rfng vr{ 4,73,549 3,29,884 43.55∞ dh{/sf] sf/0fn] 8 ;6xL 36a9 gf]S;fg – – – –

;Defljt gf]S;fgL Joj:yf cl3sf] ;+rfng d'gfkmf;Defljt gf]S;fgL Joj:yf cl3sf] ;+rfng d'gfkmf 16,44,411 16,44,411 10,29,020 10,29,020 59.8059.80∞ 9 ;Defljt gf]S;fgL Joj:yfx? 5,76,323 51,377 1021.76∞ dh{/sf] sf/0fn]

;+rfng d'gfkmf;+rfng d'gfkmf 10,68,088 10,68,088 9,77,643 9,77,643 9.259.25∞ 10 u}/ ;+rfng cfDbfgL÷gf]S;fg 55,844 7,279 667.17∞ dh{/sf] sf/0fn] 11 ;Defljt gf]S;fgL Joj:yfaf6 lkmtf{ 6,50,079 25,000 2500.32∞ dh{/sf] sf/0fn]

lgoldt sf/f]af/af6 ePsf] d'gfkmflgoldt sf/f]af/af6 ePsf] d'gfkmf 17,74,011 17,74,011 10,09,922 10,09,922 75.6675.66∞ 12 c;fdfGo sf/f]af/x?af6 ePsf] d'gfkmf÷vr{ -10,942_ – 100.00∞ dh{/sf] sf/0fn]

;Dk"0f{ sf/f]af/ ;dfj]z kl5sf] v'b d'gfkmf;Dk"0f{ sf/f]af/ ;dfj]z kl5sf] v'b d'gfkmf 17,63,068 17,63,068 10,09,922 10,09,922 74.5774.57∞ 13 sd{rf/L af]g; Joj:yf 1,60,279 91,811 74.57∞ dh{/sf] sf/0fn] 14 cfos/ Joj:yf 4,87,725 2,75,433 77.08∞ dh{/sf] sf/0fn]

v"b gfkmf÷gf]S;fgv"b gfkmf÷gf]S;fg 11,15,065 11,15,065 6,42,678 6,42,678 73.5073.50∞

gfkmf gf]S;fg afF8kmfF8 lx;fa

ljj/0fljj/0f rfn' cf=j=rfn' cf=j=-?= xhf/df_-?= xhf/df_


km/skm/s-k|ltzt_-k|ltzt_ s}lkmots}lkmot

cfDbfgLcfDbfgL

1 ut jif{;Ddsf] ;+lrt d'gfkmf 9,523 52,385 –81.82∞ dh{/sf] sf/0fn]2 o; jif{sf] d'gfkmf 11,15,065 6,42,678 73.50∞ dh{/sf] sf/0fn] 3 ;6xL 36a9 sf]if – – – –4 nufgL ;dfof]hg sf]if 19,992 – 100.00∞ dh{/sf] sf/0fn] 5 dh{af6 z]o/ cg'kftdf ePsf] d'gfkmf 6,51,180 – 100.00∞ dh{/sf] sf/0fn] hDdf hDdf 17,95,760 17,95,760 6,95,063 6,95,063 158.36158.36∞ vr{vr{

1 ut jif{;Ddsf] ;+lrt gf]S;fg – – – –2 uflePsf ;+:yfsf ;+lrt gf]S;fg 4,90,983 – 100.00∞ dh{/sf] sf/0fn] 3 o; jif{sf] gf]S;fg – – – dh{/sf] sf/0fn] 4 ;fwf/0f hu]8fsf]if 2,23,013 1,28,536 73.50∞ dh{/sf] sf/0fn] 5 e}k/L cfpg] hu]8f – – – –6 ;+:yf ljsf; sf]if – – – –7 nfef+z ;dLs/0f sf]if – – – –8 sd{rf/L ;DaGwL hu]8fx? – – – –9 k|:tfljt nfef+z 54,301 87,500 –37.94∞ dh{/sf] sf/0fn] 10 k|:tfljt af]g; z]o/ hf/L 10,31,712 2,50,000 312.68∞ dh{/sf] sf/0fn] 11 ljz]if hu]8f sf]if – – – –12 ;6xL 36a9 sf]if 10,417 5,448 91.21∞ dh{/sf] sf/0fn] 13 k"FhL lkmtf{ hu]8f sf]if – – – dh{/sf] sf/0fn] 14 k"FhL ;dfof]hg sf]if 40,925 – 100.00∞ dh{/sf] sf/0fn] 15 cGo -77,786_ 90,909 –185.56∞ dh{/sf] sf/0fn] s_ :yug s/ sf]if -166,984_ – 100.00∞ dh{/sf] sf/0fn] v_ nufgL ;dfof]hg sf]if -1,554_ – 100.00∞ dh{/sf] sf/0fn] u_ C0fkq e'QmfgL sf]if 90,751 90,909 –0.17∞ –hDdfhDdf 17,73,565 17,73,565 5,62,393 5,62,393 215.36215.36∞ 15 ;+lrt d'gfkmf÷-gf]S;fg_ 22,195 1,32,670 –83.27∞ dh{/sf] sf/0fn]

3333

Plss[t jf;nft@)&# ;fn cfiff9 #! ut] -h'nfO{ !%, @)!^_ sf]

k"“hL tyf bfloTjk"“hL tyf bfloTj rfn' cf=j=?=rfn' cf=j=?= ut cf=j=?=ut cf=j=?=1 z]o/ k"FhL 5,51,86,35,934 2,73,23,64,746 2 hu]8f tyf sf]ifx? 1,41,51,83,202 61,07,87,542 3 lgoGq0f gx'g] :jfy{ (Non Controlling Interest) 3,90,31,063 - 4 C0fkq tyf aG8 50,00,00,000 50,00,00,000 5 ltg{ afFsL shf{ ;fk6 2,14,85,02,579 43,80,00,000 6 lgIf]k bfloTj 64,94,47,30,681 35,36,14,43,165 7 e'QmfgL lbg'kg]{ ljnx? 4,89,58,822 5,14,55,91,224 8 k|:tfljt nfef+z 5,43,00,625 1,74,92,881 9 cfos/ bfloTj 3,40,16,060 - 10 cGo bfloTj 97,89,89,908 37,16,53,023 s"n bfloTjs"n bfloTj 75,68,23,48,874 75,68,23,48,874 45,17,73,32,581 45,17,73,32,581

;DklQ;DklQ rfn' cf=j=?=rfn' cf=j=?= ut cf=j=?=ut cf=j=?=1 gub df}Hbft 1,49,12,75,494 81,75,86,158 2 g]kfn /fi6« a}+sdf /x]sf] df}Hbft 6,39,58,15,135 3,39,12,44,786 3 a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft 2,63,71,05,481 5,93,36,60,908 4 dfu tyf cNk ;"rgfdf k|fKt x'g] /sd 55,78,22,817 72,26,07,414 5 nufgL 8,42,45,18,637 5,93,06,45,854 6 shf{ ;fk6 tyf ljn vl/b 53,74,91,32,753 27,28,88,91,489 7 l:y/ ;DklQ 1,35,72,83,772 37,86,83,968 8 u}/ a}+lsË ;DklQ - - 9 cGo ;DklQ 1,06,93,94,785 71,40,12,004 s"n ;DklQs"n ;DklQ 75,68,23,48,874 75,68,23,48,874 45,17,73,32,581 45,17,73,32,581

b= pk]Gb| kf}8]n b= kjg s'df/ uf]Nof0f b= /fh]Gb| sfkm\n] b= l;=P= ;+lha s'df/ ld>k|d'v sfo{sf/L clws[t cWoIf ;+rfns l6 cf/ pkfWofo P08 sDkgL rf6{8{ PsfpG6]G6\;\b= dgf]h s'df/ uf]on b= lgsf] lkn b= /f]d0fL k|;fb kf7s;+rfns ;+rfns ;+rfns b= xl/ZrGb| ;'j]bL b= sdn]z s'df/ cu|jfn b= xl/afa' Gof}kfg] b= hLjgdfg hf]zL ;+rfns ;+rfns ;+rfns ;+rfns b= k|bLk k|wfg b= d[b'n k/fh'nL k|d'v ck/]l6+u clkm;/ k|d'v ljQ tyf of]hgf

ldlt M )* sflQs @)&#, 7]ufgf M PgPdla ejg, aa/dxn, sf7df8f}+

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


Plss[t gfkmf gf]S;fg lx;fjldlt @)&@ >fj0f ! ut] b]lv @)&# cfiff9 #! ut] ;Ddsf]

ljj/0fljj/0f rfn' cf=j= ?=rfn' cf=j= ?= ut cf=j=?=ut cf=j=?=1 Jofh cfDbfgL 4,14,31,46,162 2,32,98,98,781 2 Jofh vr{ 2,05,51,61,286 1,34,09,65,337

v'b Jofh cfDbfgLv'b Jofh cfDbfgL 2,08,79,84,876 2,08,79,84,876 98,89,33,444 98,89,33,444 3 sldzg tyf l8:sfp06 19,76,15,501 11,26,15,711 4 cGo ;+rfng cfDbfgL 29,02,57,632 14,75,87,765 5 ;6xL 36a9 cfDbfgL 16,02,68,673 11,95,13,544

s"n ;+rfng cfDbfgLs"n ;+rfng cfDbfgL 2,73,61,26,682 2,73,61,26,682 1,36,86,50,464 1,36,86,50,464 6 sd{rf/L vr{ 50,91,11,123 20,83,88,115 7 cGo ;+rfng vr{ 49,56,94,943 29,40,50,856 8 ;6xL 36a9 gf]S;fg - -

;Defljt gf]S;fgL Joj:yf cl3sf] ;+rfng d'gfkmf;Defljt gf]S;fgL Joj:yf cl3sf] ;+rfng d'gfkmf 1,73,13,20,616 1,73,13,20,616 86,62,11,493 86,62,11,493 9 ;Defljt gf]S;fgL Joj:yfx? 58,49,41,411 9,70,73,735

;+rfng d'gfkmf;+rfng d'gfkmf 1,14,63,79,205 1,14,63,79,205 76,91,37,758 76,91,37,758 10 u}/ ;+rfng cfDbfgL÷gf]S;fg 5,66,73,267 1,57,05,328 11 ;Defljt gf]S;fgL Joj:yfaf6 lkmtf{ 65,00,79,224 4,19,73,510

lgoldt sf/f]af/af6 ePsf] d'gfkmflgoldt sf/f]af/af6 ePsf] d'gfkmf 1,85,31,31,696 1,85,31,31,696 82,68,16,596 82,68,16,596 12 c;fdfGo sf/f]af/x?af6 ePsf] d'gfkmf÷vr{ (1,09,42,028) -

;Dk"0f{ sf/f]af/ ;dfj]z kl5sf] v'b d'gfkmf;Dk"0f{ sf/f]af/ ;dfj]z kl5sf] v'b d'gfkmf 1,84,21,89,668 1,84,21,89,668 82,68,16,596 82,68,16,596 13 sd{rf/L af]g; Joj:yf 16,74,71,787 7,51,65,145 14 cfos/ Joj:yf 50,75,93,734 22,15,31,619

o; jif{sf] 33,46,74,245 21,74,29,869 ut jif{{;Ddsf] 69,01,230 - :yug cfos/ 16,60,18,259 41,01,750

v'b gfkmf÷gf]S;fgv'b gfkmf÷gf]S;fg 1,16,71,24,147 1,16,71,24,147 53,01,19,832 53,01,19,832 d'Vo sDkgLsf] d'gfkmfdf lgoGq0f x'g] :jfy{sf] lx:;f (Controlling Interest) 1,15,47,38,542 -

;xfos sDkgLsf] d'gfkmfdf lgoGq0f gx'g] :jfy{sf] lx:;f (Non-Controlling Interest) 1,23,85,607 -

v'b gfkmf÷gf]S;fgv'b gfkmf÷gf]S;fg 1,16,71,24,147 1,16,71,24,147 53,01,19,832 53,01,19,832




3535

Plss[t gfkmf gf]S;fg afF8kmfF8 lx;fjldlt @)&@ >fj0f ! ut] b]lv @)&# cfiff9 #! ut] ;Ddsf]

ljj/0fljj/0f rfn' cf=j= ?=rfn' cf=j= ?= ut cf=j= ?=ut cf=j= ?=cfDbfgLcfDbfgL lgoGq0f gx'g] :jfy{lgoGq0f gx'g] :jfy{ PgPdla PgPdla PgPdla PgPdla

1 ut jif{;Ddsf] ;+lrt d'gfkmf 5,62,28,499 1,85,59,630 2 o; jif{sf] d'gfkmf 1,23,85,607 1,15,47,38,542 53,01,19,833 3 ;6xL 36a9 sf]if - - 4 Capital Reserve (NMB MF) Gain on Bargain Purchase 73,33,025 - 5 nufgL ;dfof]hg sf]if 1,99,92,000 - 6 dh{af6 z]o/ cg'kftdf ePsf] d'gfkmf 65,11,80,180 -

hDdf hDdf 1,23,85,607 1,23,85,607 1,88,94,72,246 1,88,94,72,246 54,86,79,463 54,86,79,463 vr{vr{

1 ut jif{;Ddsf] ;+lrt gf]S;fg - - 2 uflePsf ;+:yfsf ;+lrt gf]S;fg 49,09,83,319 3 o; jif{sf] gf]S;fg - - 4 ;fwf/0f hu]8fsf]if 22,89,85,707 10,01,97,922 5 e}k/L cfpg] hu]8f - - 6 ;+:yf ljsf; sf]if - - 7 nfefFz ;dLs/0f sf]if - - 8 sd{rf/L ;DaGwL hu]8fx? - - 9 k|:tfljt nfefFz 7,53,53,256 1,74,92,881 10 k|:tfljt af]g; z]o/ hf/L 1,03,17,11,869 33,23,64,746 11 ljz]if hu]8f sf]if - - 12 ;6xL 36a9 sf]if 1,04,17,464 74,69,597 13 k"FhL lkmtf{ hu]8f sf]if - - 14 k"FhL ;dfof]hg sf]if 4,09,25,498 -15 cGo (7,66,47,358) 3,49,25,818

s_ :yug s/ sf]if (16,68,69,592) (44,29,984)v_ nufgL ;dfof]hg sf]if (15,53,591) 23,09,556 u_ C0fkq e'QmfgL sf]if 9,07,50,870 3,70,46,246 3_ u|fxs ;+/If0f sf]if 10,24,955 hDdf 1,80,17,29,755 49,24,50,964

16 ;+lrt d'gfkmf÷-gf]S;fg_ 1,23,85,607 8,77,42,491 5,62,28,499





OSjL6Ldf ePsf] kl/jt{g ;DaGwL ljj/0f

cf=a= @)&@

/)&#

-?=_

ljj/0f

ljj/0f

z]o/

k"FhL

z]o/

k"FhL

;+lrt

/ ;+lrt

/ gfkmf gf]S;

fggfkmf gf]S;

fg

;fwf/0f

;fwf/0f

hu]8

f sf]if

hu]8

f sf]if

k|:tfljt

k|:tfljt

af]g;

z]o/

af]g;

z]o/

k"FhLut

k"FhLut

hu]8

f hu]8

f

sf]if

sf]if

z]o/

z]o/

lk|ldod

lk|ldod

;6x

L ;6x

L 36a

9 sf]if

36a

9 sf]if

:yug

:y

ug

s/ sf]if

s/ sf]if

nufgL

nufgL

;dfof]hg

;dfof]hg

sf]if

sf]if

C0fkq

C0fkq

e'Q

mfgL

e'Qmfg

L sf]if

sf]if

k"FhL

k"FhL

;dfof]hg

;dfof]hg

sf]if

sf]if

u|fxs

u|fxs

;+/If0f

;+/If0f

sf]if

sf]if

cGo

cGo

hu]8

f hu]8

f ty

f ty

f sf]if

sf]if

hDdf

hDdf

z]o/

wgLx?;Fu

z]o/

wgLx?;Fu

;DalGw

t;DalGw

t

lgoGq0f

lgoGq0f

gx'g]

gx'g]

:jfy{

:jfy{

s"n

s"n

/sd

/sd

z'? d

f}Hbft

2,4

0,00

,00,

000

5,6

2,28

,499

4

5,07

,65,

878

3

3,23

,64,7

46

-

1,0

0,77

,915

2

,83,

79,2

20

2,3

8,3

6,862

4

4,5

2,92

2 3

,70,

46,

246

-

-

3,3

4,3

1,52

,288

-

3,3

4,3

1,52

,288

hf]8: uflePs

f ;+:y

fsf

z]o/

wgLx?nfO{ z

]o/ lgisfzg

1,7

5,45,

59,3

20

-

-

-

-

-

-

-

-

-

-

-

1,7

5,45,

59,3

20

-

1,7

5,45,

59,3

20

hf]8: uflePs

f ;+:y

fx?sf

vftfaf6 t

flgPs

f] -

(4

9,09

,83,

319)

33,

38,4

4,6

07

-

-

72,

432

2

4,1

4,4

31

20,

84,6

5,55

9 3

,20,

25,3

44

-

1,2

3,69

,984

-

9,8

2,09

,037

-

9

,82,

09,0

37

af]g;

z]o/

sf] k"Fh

Ls/0f

33,

23,6

4,7

46

-

-

(33,

23,6

4,7

46)

-

-

-

-

-

-

-

-

-

-

-

dh{af6

z]o/

cg'k

ftdf

ePsf] d'g

fkmf

-

-

-

-

-

-

-

-

-

-

-

65,

11,8

0,18

0 6

5,11

,80,

180

-

65,

11,8

0,18

0

hDdf

hDdf

4,4

8,6

9,24

,066

4

,48,6

9,24

,066

(4

3,47,

54,8

20)

(43,

47,

54,8

20)

78,4

6,10

,485

78,4

6,10

,485

-

-

-

-

1,0

1,50

,347

1,0

1,50

,347

3,0

7,93

,651

3

,07,

93,6

51

23,

23,0

2,421

2

3,23

,02,

421

3

,64,7

8,2

66

3,6

4,7

8,2

66

3,7

0,46,

246

3,7

0,46,

246

1,2

3,69

,984

1,2

3,69

,984

-

-

65,

11,8

0,18

0 6

5,11

,80,

180

5,8

4,7

1,00

,825

5

,84,7

1,00

,825

-

-

5

,84,7

1,00

,825

5

,84,7

1,00

,825

;dfof]hg

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

lgoGq0f g

x'g] :jfy{

-

-

-

-

-

-

-

-

-

-

-

-

-

2,6

6,45,

456

2

,66,

45,

456

xsk|b

z]o/

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

xsk|b

z]o/

sf] lgnfdL

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

z]o/

lk|ldo

d -

-

-

-

-

-

-

-

-

-

-

-

-

-

-

o; j

if{sf] d'g

fkmf

-

1,1

5,47,

38,5

42

-

-

-

-

-

-

-

-

-

-

1,1

5,47,

38,5

42

1,2

3,85,

607

1,1

6,71

,24,1

49

;fwf/0f h

u]8fsf]if

-

(22,

89,

85,

707)

22,

89,

85,

707

-

-

-

-

-

-

-

-

-

-

-

-

;6x

L 36a

9 sf]if

-

(1,0

4,1

7,464

) -

-

-

-

1

,04,1

7,464

-

-

-

-

-

-

-

-

dh{af6

z]o/

cg'k

ftdf

ePsf] d'g

fkmf

-

65,

11,8

0,18

0 -

-

-

-

-

-

-

-

-

-

(6

5,11

,80,

180)

k|:tfljt

af]g;

z]o/

-

(1,0

3,17

,11,

869

) -

1

,03,

17,1

1,869

-

-

-

-

-

-

-

-

-

-

-

:yug

s/ sf]if

-

16,

68,6

9,59

2 -

-

-

-

-

(1

6,68

,69,

592)

-

-

-

-

-

-

-

k|:tfljt

gu b

nfef+z

-

(7,5

3,53

,256

) -

-

-

-

-

-

-

-

-

-

(7

,53,

53,2

56)

-

(7,5

3,53

,256

)

nufgL ;

dfof]hg

sf]if

-

2,1

5,45,

591

-

-

-

-

-

-

(2,1

5,45,

591)

-

-

-

-

-

-

C0fkq

e'Qmfg

L sf]if

-

(9,0

7,50

,870

) -

-

-

-

-

-

-

9

,07,

50,8

70

-

-

0

-

0

k"FhL ;dfof]hg

sf]if

-

(4,0

9,25

,498

) -

-

-

-

-

-

-

-

4

,09,

25,4

98

-

-

-

-

u|fxs

;+/If0f sf]if

-

(10,

24,9

55)

-

-

-

-

-

-

-

-

-

10,

24,9

55

(0)

-

(0)

k"FhLut

sf]if (

NM

B M

F)

Gai

n on

bar

gain

pur

chas

e -

7

3,33

,025

-

-

-

-

-

-

-

-

-

-

7

3,33

,025

-

7

3,33

,025

clGt

d df}Hb

ftclGt

d df}Hb

ft 4

,48,6

9,24

,066

4

,48,6

9,24

,066

8

,77,

42,

491

8

,77,

42,

491

1

,01,

35,9

6,19

2 1

,01,

35,9

6,19

2 1

,03,

17,1

1,869

1

,03,

17,1

1,869

-

-

1

,01,

50,3

47

1,0

1,50

,347

4,1

2,11

,115

4

,12,

11,1

15

6,5

4,3

2,829

6

,54,3

2,829

1

,49,

32,6

75

1,4

9,32

,675

1

2,77

,97,

116

12,

77,9

7,11

6 5

,32,

95,4

83

5,3

2,95

,483

10,

24,9

55

10,

24,9

55

-

-

6,9

3,38

,19,

137

6,9

3,38

,19,

137

3,9

0,31

,063

3

,90,

31,0

63

6,9

7,28

,50,

200

6,9

7,28

,50,

200

b= p

k]Gb|

kf}8]n

b= k

jg s

'df/

uf]No

f0f

b= /

fh]Gb| s

fkm\n

] b= l;=P= ;+lh

a s'df

/ ld

>k|d

'v s

fo{sf/L clw

s[t

cWo

If

;+rfn

s

l6 c

f/ p

kfWo

fo P

08 s

DkgL

rf6{8{

Psfp

G6]G6

\;\

b= d

gf]h s

'df/

uf]on

b= lgs

f] lkn

b= /

f]d0fL k|;

fb k

f7s

;+rfn

s

;+rfn

s

;+rfn

s

b= x

l/Zr

Gb| ;

'j]bL

b= s

dn]z s

'df/

cu|j

fn

b= x

l/afa'

Gof}kfg]

b= h

Ljgd

fg h

f]zL

;+rfn

s

;+rfn

s

;+rfn

s

;+rfn

s

b= k

|bLk

k|wfg

b= d

[b'n k

/fh'nL

k|d'v c

k/]l6

+u clkm;/

k|d'v ljQ

tyf

of]h

gf

ldlt M )

* sflQ

s @

)&#, 7

]ufgf M P

gPdl

a ejg

, aa

/dxn

, sf7df

8f}+

xfd|f

] cfh

sf] ld

ltsf] k|ltj

]bg c

g';f/

3737

Plss[t gub k|jfx ljj/0fldlt @)&@ >fj0f ! ut] b]lv @)&# cfiff9 #! ut] ;Ddsf]

ljj/0fljj/0f o; jif{ ?=o; jif{ ?= ut jif{ ?=ut jif{ ?=-s_-s_ sf/f]af/ ;+rfngaf6 gub k|jfxsf/f]af/ ;+rfngaf6 gub k|jfx (3,51,05,79,089) (3,51,05,79,089) 4,01,96,03,753 4,01,96,03,753

1= gub k|flKt 4,65,74,04,530 2,61,26,22,104 1=1 Jofh cfDbfgL 4,01,85,40,666 2,25,38,38,295 1=2 sldzg tyf l8isfpG6 cfDbfgL 24,41,18,646 12,12,76,287 1=3 ljb]zL ljlgdo sf/f]af/af6 cfDbfgL 11,85,98,818 8,96,35,158 1=4 ckn]lvt shf{sf] c;'nL 35,78,003 - 1=5 cGo cfDbfgL 27,25,68,397 14,78,72,364 2= gub e'QmfgL 3,22,95,45,799 2,06,63,37,405

2=1 Jofh vr{ 1,95,39,89,920 1,29,77,81,361 2=2 sd{rf/L vr{ 57,42,24,655 25,49,01,231 2=3 sfof{no ;+rfng vr{ 39,04,95,677 22,40,23,694 2=4 cfos/ e'QmfgL 31,08,35,547 28,96,31,119 2=5 cGo vr{ - -

sfo{ut k"“hL (Working Capital) ultljlw cl3sf] gub k|jfx 1,42,78,58,731 54,62,84,699 ;+rfng ;DaGwL rfn' ;DklQdf sdL÷-a[l4_ (10,53,41,21,741) (8,75,97,32,117)

1= dfFu tyf cNk ;"rgfdf k|fKt x'g] /sddf sdL÷-a[l4_ 2,97,64,91,524 (66,09,76,816)2= cGo cNksflng nufgLdf sdL÷-a[l4_ (78,33,15,654) (1,13,05,07,476)3= shf{ tyf ljN; vl/bdf sdL÷-a[l4_ (12,58,04,16,131) (6,87,69,50,928)4= cGo ;DklQdf sdL÷-a[l4_ (14,68,81,480) (9,12,96,897)

;+rfng ;DaGwL rfn' bfloTjdf sdL÷-a[l4_ 5,59,56,83,921 12,23,30,51,171 1= lgIf]k bfloTjdf -sdL_÷a[l4 10,83,77,47,150 8,27,41,85,129 2= ;l6{lkms]6 ckm l8kf]lh6df -sdL_÷a[l4 - - 3= cNksfnLg ;fk6Ldf -sdL_÷a[l4 (23,65,93,378) - 4= cGo bfloTjdf -sdL_÷a[l4 (5,00,54,69,851) 3,95,88,66,041

-v_-v_ nufgL sf/f]af/df gub k|jfxnufgL sf/f]af/df gub k|jfx 1,33,34,81,517 1,33,34,81,517 (61,93,09,178) (61,93,09,178)1= bL3{sfnLg nufgLdf sdL÷-a[l4_ (1,07,03,90,057) (65,09,47,235)2= l:y/ ;DklQdf sdL÷-a[l4_ (75,09,57,895) (5,23,42,576)3= bL3{sfnLg nufgLdf Jofh cfDbfgL 10,41,31,698 8,39,27,234 4= nfef+z cfDbfgL 5,60,517 53,398 5= cGo 3,05,01,37,254 -

-u_-u_ ljQLo >f]t sf/f]af/af6 gub k|jfxljQLo >f]t sf/f]af/af6 gub k|jfx 1,17,56,57,487 1,17,56,57,487 91,53,10,740 91,53,10,740 1= bL3{sfnLg C0f -j08, l8j]Gr/ cflb_ df a[l4÷-sdL_ 20,96,73,178 50,00,00,000 2= z]o/ k"“hLdf a[l4÷-sdL_ 2,81,52,000 - 3= cGo bfloTjdf a[l4÷-sdL_ut jif{sf] gub nfef+z (14,67,692) (2,26,89,260)4= g]kfn /fi6« a}+saf6 k|fKt ;x'lnot÷k'g/shf{df a[l4÷-sdL_ 93,93,00,000 43,80,00,000 5= z]o/ lk|ldoddf a[l4÷-sdL_ - -

-3_-3_ gub tyf a}+s df}Hbftsf] ljlgdo b/df ePsf] km/saf6 cfDbfgL÷vr{gub tyf a}+s df}Hbftsf] ljlgdo b/df ePsf] km/saf6 cfDbfgL÷vr{ 4,16,69,855 4,16,69,855 2,98,78,386 2,98,78,386 -ª_-ª_ o; jif{sf] ;Dk"0f{ ultljlwaf6 gub k|jfxo; jif{sf] ;Dk"0f{ ultljlwaf6 gub k|jfx (95,97,70,230) (95,97,70,230) 4,34,54,83,701 4,34,54,83,701 -r_-r_ gub tyf a}+sdf /x]sf] z''? df}Hbftgub tyf a}+sdf /x]sf] z''? df}Hbft 11,48,39,66,341 11,48,39,66,341 5,79,70,08,151 5,79,70,08,151 -5_-5_ gub tyf a}+sdf /x]sf] clGtd df}Hbftgub tyf a}+sdf /x]sf] clGtd df}Hbft 10,52,41,96,111 10,52,41,96,111 10,14,24,91,852 10,14,24,91,852




3939

4141

jf;nft@)&# ;fn cfiff9 #! ut] -h'nfO{ !%, @)!^_ sf]

k"“hL tyf bfloTjk"“hL tyf bfloTj cg';"rLcg';"rL rfn' cf=j= ?=rfn' cf=j= ?= ut cf=j= ?=ut cf=j= ?=

1 z]o/ k"“hL $=! 5,51,86,35,934 2,73,23,64,746 2 hu]8f tyf sf]ifx? $=@ 1,34,25,23,574 56,40,82,222 3 C0fkq tyf aG8 $=# 50,00,00,000 50,00,00,000 4 ltg{ af“sL shf{ ;fk6 $=$ 1,48,79,94,615 43,80,00,000 5 lgIf]k bfloTj $=% 64,78,14,63,622 36,72,29,17,654 6 e'QmfgL lbg'kg]{ ljnx? $=^ - 2,17,17,138 7 k|:tfljt nfef+z 5,43,00,625 1,74,92,881 8 cfos/ bfloTj - - 9 cGo bfloTj $=& 92,84,09,514 34,08,88,475 s"n bfloTjs"n bfloTj 74,61,33,27,884 74,61,33,27,884 41,33,74,63,116 41,33,74,63,116

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

1 gub df}Hbft $=* 1,49,11,51,855 81,75,85,058 2 g]kfn /fi6« a}+sdf /x]sf] df}Hbft $=( 6,39,05,85,135 3,39,12,44,786 3 a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft $=!) 2,29,88,01,972 2,09,67,12,284 4 dFfu tyf cNk ;"rgfdf k|fKt x'g] /sd $=!! 55,78,22,817 72,26,07,414 5 nufgL $=!@ 8,50,41,25,557 5,98,38,72,284 6 shf{ ;fk6 tyf ljn vl/b $=!# 53,02,13,84,326 27,28,88,91,489 7 l:y/ ;DklQ $=!$ 1,34,55,19,344 37,42,53,130 8 u}/ a}+lsË ;DklQ $=!% - - 9 cGo ;DklQ $=!^ 1,00,39,36,878 66,22,96,671 s"n ;DklQs"n ;DklQ 74,61,33,27,884 74,61,33,27,884 41,33,74,63,116 41,33,74,63,116

;+efljt 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_ahf/ hf]lvd cg';"rL $=#) -ª_k|d'v ;"rsf°x? cg';"rL $=#!k|d'v n]vf gLltx? cg';"rL $=#@n]vf ;DaGwL l6Kk0fLx? cg';"rL $=##;+:yfksx?sf] shf{ ljj/0f cg';"rL $=#$n]vfk/LIf0f gePsf] / n]vfk/LIf0f ePsf] ljQLo glthfsf] t'ngfTds ljj/0f cg';"rL $=#%n]vfk/LIf0f gePsf] ljQLo glthf cg';"rL $=#^$=! b]lv $=!&, $=#@ b]lv $=## ;Ddsf cg';"rLx? Jff;nftsf cleGg c+u x'g\ .





gfkmf gf]S;fg lx;fjldlt @)&@ >fj0f ! ut] b]lv @)&# cfiff9 #! ut] ;Ddsf]

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

1 Jofh cfDbfgL $=!* 4,05,33,40,661 2,31,54,41,198 2 Jofh vr{ $=!( 2,04,00,59,139 1,34,80,73,632

v'b Jofh cfDbfgLv'b Jofh cfDbfgL 2,01,32,81,522 2,01,32,81,522 96,73,67,566 96,73,67,566

3 sldzg tyf l8:sfp06 $=@) 19,76,15,501 11,26,15,711 4 cGo ;+rfng cfDbfgL $=@! 21,81,05,846 11,22,70,220 5 ;6xL 36a9 cfDbfgL $=@@ 16,02,68,673 11,95,13,544

s"n ;+rfng cfDbfgLs"n ;+rfng cfDbfgL 2,58,92,71,542 2,58,92,71,542 1,31,17,67,041 1,31,17,67,041

6 sd{rf/L vr{ $=@# 47,13,11,447 20,18,15,190 7 cGo ;+rfng vr{ $=@$ 47,35,49,140 28,81,11,738 8 ;6xL 36a9 gf]S;fg $=@@ - -

;Defljt gf]S;fgL Joj:yf cl3sf] ;+rfng d'gfkmf;Defljt gf]S;fgL Joj:yf cl3sf] ;+rfng d'gfkmf 1,64,44,10,955 1,64,44,10,955 82,18,40,113 82,18,40,113

9 ;Defljt gf]S;fgL Joj:yfx? $=@% 57,63,23,341 9,70,73,735 ;+rfng d'gfkmf;+rfng d'gfkmf 1,06,80,87,614 1,06,80,87,614 72,47,66,378 72,47,66,378

10 u}/ ;+rfng cfDbfgL÷gf]S;fg $=@^ 5,58,43,672 1,73,52,379

11 ;Defljt gf]S;fgL Joj:yfaf6 lkmtf{ $=@& 65,00,79,224 4,19,73,510 lgoldt sf/f]af/af6 ePsf] d'gfkmflgoldt sf/f]af/af6 ePsf] d'gfkmf 1,77,40,10,510 1,77,40,10,510 78,40,92,267 78,40,92,267

12 c;fdfGo sf/f]af/x?af6 ePsf] d'gfkmf÷vr{ $=@* (1,09,42,028) - ;Dk"0f{ sf/f]af/ ;dfj]z kl5sf] v'b d'gfkmf;Dk"0f{ sf/f]af/ ;dfj]z kl5sf] v'b d'gfkmf 1,76,30,68,482 1,76,30,68,482 78,40,92,267 78,40,92,267

13 sd{rf/L af]g; Joj:yf 16,02,78,953 7,12,81,115

14 cfos/ Joj:yf 48,77,24,902 21,18,21,544 o; jif{sf]o; jif{sf] 31,38,40,105 31,38,40,105 20,73,91,560 20,73,91,560

ut jif{{;Ddsf] ut jif{{;Ddsf] 69,01,230 69,01,230 - - :yug cfos/:yug cfos/ 16,69,83,568 16,69,83,568 44,29,984 44,29,984

v'b gfkmf÷gf]S;fgv'b gfkmf÷gf]S;fg 1,11,50,64,627 1,11,50,64,627 50,09,89,608 50,09,89,608 $=!* b]lv $=@* ;Ddsf cg';"rLx? gfkmf gf]S;fg lx;fjsf cleGg c+u x'g\ .




4343

gfkmf gf]S;fg afF8kmfF8 lx;fjldlt @)&@ >fj0f ! ut] b]lv @)&# cfiff9 #! ut] ;Ddsf]

ljj/0fljj/0f cg';"rLcg';"rL o; jif{ ?=o; jif{ ?= ut jif{ ?=ut jif{ ?=

cfDbfgLcfDbfgL

1 ut jif{;Ddsf] ;+lrt d'gfkmf 9,523,179 984,535 2 o; jif{sf] d'gfkmf 1,115,064,627 500,989,608 3 ;6xL 36a9 sf]if - - 4 nufgL ;dfof]hg sf]if 19,992,000 - 5 dh{af6 z]o/ cg'kftdf ePsf] d'gfkmf 651,180,180 - hDdf hDdf 1,795,759,986 1,795,759,986 501,974,143 501,974,143 vr{{vr{{

1 ut jif{;Ddsf] ;+lrt gf]S;fg - - 2 uflePsf ;+:yfsf ;+lrt gf]S;fg 49,09,83,319 3 o; jif{sf] gf]S;fg - - 4 ;fwf/0f hu]8fsf]if 22,30,12,925 10,01,97,922 5 e}k/L cfpg] hu]8f - - 6 ;+:yf ljsf; sf]if - - 7 nfefFz ;dLs/0f sf]if - - 8 sd{rf/L ;DaGwL hu]8fx? - - 9 k|:tfljt nfefFz 5,43,00,625 1,74,92,881 10 k|:tfljt af]g; z]o/ hf/L 1,03,17,11,869 33,23,64,746 11 ljz]if hu]8f sf]if - - 12 ;6xL 36a9 sf]if 1,04,17,464 74,69,597 13 k"FhL lkmtf{ hu]8f sf]if - - 14 k"FhL ;dfof]hg sf]if 4,09,25,498 - 15 cGo (7,77,86,289) 3,49,25,818

s_ :yug s/ sf]if (16,69,83,568) (44,29,984)v_ nufgL ;dfof]hg sf]if (15,53,591) 23,09,556 u_ C0fkq e'QmfgL sf]if 9,07,50,870 3,70,46,246

hDdf hDdf 1,77,35,65,411 1,77,35,65,411 49,24,50,964 49,24,50,964 15 ;+lrt d'gfkmf÷-gf]S;fg_ 2,21,94,575 95,23,179

22,194,575 9,523,179





OSjL6Ldf ePsf] kl/jt{g ;DaGwL ljj/0f

cf=a= @)&@

/)&#

ljj/0f

ljj/0f

z]o/

k"FhL

z]o/

k"FhL

;+lrt

/ ;+lrt

/ gfkmf

gfkmf

gf]S;

fggf]S;

fg

;fwf/0f

;fwf/0f

hu]8

f hu]8

f sf]if

sf]if

k|:tfljt

k|:tfljt

af]g;

af]g;

z]o/

z]o/

k"FhLut

k"FhLut

hu]8

f hu]8

f sf]if -z]o/

sf]if -z]o/

lk|ldod

_lk|ldod

_

;6x

L ;6x

L 36a

9 36a

9 sf]if

sf]if

:yug

:y

ug

s/ sf]if

s/ sf]if

nufgL

nufgL

;dfof]hg

;dfof]hg

sf]if

sf]if

C0fkq

C0fkq

e'Q

mfgL

e'Qmfg

L sf]if

sf]if

k"FhLut

k"FhLut

;dfof]hg

sf]if

;dfof]hg

sf]if

-Sw

ap

Surp

lus_

k"FhLut

k"FhLut

;dfof]hg

;dfof]hg

sf]if

sf]if

s"n /sd

s"n /sd

z'? d

f}Hbft

2,4

0,00

,00,

000

95,

23,1

79

45,

07,6

5,878

3

3,23

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46

1,0

0,77

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2

,83,

79,2

20

2,3

8,3

6,862

4

4,5

2,92

2 3

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46,

246

-

-

3,2

9,64

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968

hf]8: uflePs

f ;+:y

fsf

z]o/

wgLx?nfO{ z

]o/ lgisfzg

1,7

5,45,

59,3

20

-

-

-

-

-

-

-

-

-

-

1,7

5,45,

59,3

20

hf]8: uflePs

f ;+:y

fx?sf

vftfaf6 t

flgPs

f] -

(4

9,09

,83,

319)

33,

38,4

4,6

07

72,

432

2

4,1

4,4

31

20,

84,6

5,55

9 3

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25,3

44

-

1,2

3,69

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9,8

2,09

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af]g;

z]o/

sf] k"Fh

Ls/0f

33,

23,6

4,7

46

-

-

(33,

23,6

4,7

46)

-

-

-

-

-

-

-

-

dh{af6

z]o/

cg'k

ftdf e

Psf] d'g

fkmf

-

-

-

-

-

-

-

-

-

65,

11,8

0,18

0 -

6

5,11

,80,

180

hDdf

hDdf

4,4

8,6

9,24

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4

,48,6

9,24

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(4

8,1

4,6

0,14

0) (4

8,1

4,6

0,14

0) 7

8,4

6,10

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78,4

6,10

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-

-

1,0

1,50

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1,0

1,50

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3,0

7,93

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3

,07,

93,6

51

23,

23,0

2,421

2

3,23

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421

3

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8,2

66

3,6

4,7

8,2

66

3,7

0,46,

246

3,7

0,46,

246

65,

11,8

0,18

0 6

5,11

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180

1,2

3,69

,984

1,2

3,69

,984

5,8

0,03

,95,

505

5,8

0,03

,95,

505

;dfof]hg

-

xsk|b

z]o/

-

-

-

-

-

-

-

-

-

-

-

-

xsk|b

z]o/

sf] lgnfdL

-

-

-

-

-

-

-

-

-

-

-

-

z]o/

lk|ldo

d -

-

-

-

-

-

-

-

-

-

-

-

o; j

if{sf] d'g

fkmf

-

1,1

1,50

,64,6

27

-

-

-

-

-

-

-

-

-

1,1

1,50

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27

;fwf/0f h

u]8fsf]if

-

(22,

30,1

2,92

5) 2

2,30

,12,

925

-

-

-

-

-

-

-

-

-

;6x

L 36a

9 sf]if

-

(1,0

4,1

7,464

) -

-

-

1

,04,1

7,464

-

-

-

-

-

-

Tr

ansf

er o

f Sw

ap S

urpl

usto

Acc

umul

ated

Pro

fi t 6

5,11

,80,

180

(65,

11,8

0,18

0)

k|:tfljt

gub

nfef+z

-

(5,4

3,00

,625

) -

-

-

-

-

-

-

-

-

(5

,43,

00,6

25)

k|:tfljt

af]g;

z]o/

-

(1,0

3,17

,11,

869

) -

1

,03,

17,1

1,869

-

-

-

-

-

-

-

-

:yug

s/ sf]if

-

16,

69,8

3,56

8

-

-

-

-

(16,

69,8

3,56

8)

-

-

-

-

-

nufgL ;

dfof]hg

sf]if

-

2,1

5,45,

591

-

-

-

-

-

(2,1

5,45,

591)

-

-

-

-

C0fkq

e'Qmfg

L sf]if

-

(9,0

7,50

,870

) -

-

-

-

-

-

9,

07,5

0,870

-

-

-

k"FhLut

;dfof]hg

sf]if

-

(4,0

9,25

,498

) -

-

-

-

-

-

-

-

4

,09,

25,4

98

-

clGt

d df}Hb

ftclGt

d df}Hb

ft 4

,48,6

9,24

,066

4

,48,6

9,24

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2

,21,

94,5

75

2,2

1,94

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1

,00,

76,2

3,410

1

,00,

76,2

3,410

1

,03,

17,1

1,869

1

,03,

17,1

1,869

1

,01,

50,3

47

1,0

1,50

,347

4,1

2,11

,115

4

,12,

11,1

15

6,5

3,18

,853

6

,53,

18,8

53

1,4

9,32

,675

1

,49,

32,6

75

12,7

7,97

,116

1

2,77

,97,

116

-

-

5,3

2,95

,483

5,3

2,95

,483

6,8

6,11

,59,

508

6,8

6,11

,59,

508

b= p

k]Gb|

kf}8]n

b= k

jg s

'df/

uf]No

f0f

b= /

fh]Gb| s

fkm\n

] b= l;=P= ;+lh

a s'df

/ ld

>k|d

'v s

fo{sf/L clw

s[t

cWo

If

;+rfn

s

l6 c

f/ p

kfWo

fo P

08 s

DkgL

rf6{8{

Psfp

G6]G6

\;\

b= d

gf]h s

'df/

uf]on

b= lgs

f] lkn

b= /

f]d0fL k|;

fb k

f7s

;+rfn

s

;+rfn

s

;+rfn

s

b= x

l/Zr

Gb| ;

'j]bL

b= s

dn]z s

'df/

cu|j

fn

b= x

l/afa'

Gof}kfg]

b= h

Ljgd

fg h

f]zL

;+rfn

s

;+rfn

s

;+rfn

s

;+rfn

s

b= k

|bLk

k|wfg

b= d

[b'n k

/fh'nL

k|d'v c

k/]l6

+u clkm;/

k|d'v ljQ

tyf

of]h

gf

ldlt M )

* sflQ

s @

)&#, 7

]ufgf M P

gPdl

a ejg

, aa

/dxn

, sf7df

8f}+

xfd|f

] cfh

sf] ld

ltsf] k|ltj

]bg c

g';f/

4545

gub k|jfx ljj/0fldlt @)&@ >fj0f ! ut] b]lv @)&# cfiff9 #! ut] ;Ddsf]

ljj/0fljj/0f o; jif{ ?=o; jif{ ?= ut jif{ ?=ut jif{ ?=-s_-s_ sf/f]af/ ;+rfngaf6 gub k|jfxsf/f]af/ ;+rfngaf6 gub k|jfx 1,57,09,03,189 1,57,09,03,189 1,41,29,33,200 1,41,29,33,200

1= gub k|flKt 4,49,49,36,026 2,56,37,86,728 1=1 Jofh cfDbfgL 3,92,88,45,121 2,23,86,73,413 1=2 sldzg tyf l8isfpG6 cfDbfgL 22,41,09,461 12,12,76,287 1=3 ljb]zL ljlgdo sf/f]af/af6 cfDbfgL 11,85,98,818 8,96,35,158 1=4 ckn]lvt shf{sf] c;'nL 35,78,003 - 1=5 cGo cfDbfgL 21,98,04,623 11,42,01,870 2= gub e'QmfgL 3,13,28,07,170 2,05,66,15,862

2=1 Jofh vr{ 1,93,88,87,773 1,30,48,89,656 2=2 sd{rf/L vr{ 53,31,84,686 25,01,65,570 2=3 sfof{no ;+rfng vr{ 37,27,75,190 21,99,45,198 2=4 cfos/ e'QmfgL 28,79,59,521 28,16,15,438 2=5 cGo vr{ - -

sfo{ut k"“hL (Working Capital) ultljlw cl3sf] gub k|jfx 1,36,21,28,856 50,71,70,866 ;+rfng ;DaGwL rfn' ;DklQdf sdL÷-a[l4_ (10,60,42,46,849) (8,72,85,38,773)

1= dfFu tyf cNk ;"rgfdf k|fKt x'g] /sddf sdL÷-a[l4_ 2,71,25,28,934 (66,09,76,816)2= cGo cNksflng nufgLdf sdL÷-a[l4_ (78,33,15,654) (1,13,05,07,476)3= shf{ tyf ljN; vl/bdf sdL÷-a[l4_ (12,39,40,05,894) (6,87,69,50,928)4= cGo ;DklQdf sdL÷-a[l4_ (13,94,54,235) (6,01,03,553)

;+rfng ;DaGwL rfn' bfloTjdf sdL÷-a[l4_ 10,81,30,21,182 9,63,43,01,107 1= lgIf]k bfloTjdf -sdL_÷a[l4 10,78,33,93,592 9,63,56,59,618 2= ;l6{lkms]6 ckm l8kf]lh6df -sdL_÷a[l4 - - 3= cNksfnLg ;fk6Ldf -sdL_÷a[l4 (2,76,73,654) - 4= cGo bfloTjdf -sdL_÷a[l4 5,73,01,244 (13,58,511)

-v_-v_ nufgL sf/f]af/df gub k|jfxnufgL sf/f]af/df gub k|jfx 1,32,35,38,850 1,32,35,38,850 (62,17,34,371) (62,17,34,371)1= bL3{sfnLg nufgLdf sdL÷-a[l4_ (1,09,63,70,547) (66,20,95,365)2= l:y/ ;DklQdf sdL÷-a[l4_ (74,68,69,712) (5,16,19,638)3= bL3{sfnLg nufgLdf Jofh cfDbfgL 10,41,31,698 8,39,27,234 4= nfef+z cfDbfgL 2,05,60,517 80,53,398 5= cGo 3,04,20,86,894 -

-u_-u_ ljQLo >f]t sf/f]af/af6 gub k|jfxljQLo >f]t sf/f]af/af6 gub k|jfx 93,88,84,940 93,88,84,940 91,57,28,773 91,57,28,773 1= bL3{sfnLg C0f -j08, l8j]Gr/ cflb_ df a[l4÷-sdL_ - 50,00,00,000 2= z]o/ k"“hLdf a[l4÷-sdL_ - 3= cGo bfloTjdf a[l4÷-sdL_ (4,15,060) (2,22,71,227)4= g]kfn /fi6« a}+saf6 k|fKt ;x'lnot÷k'g/shf{df a[l4÷-sdL_ 93,93,00,000 43,80,00,000 5= z]o/ lk|ldoddf a[l4÷-sdL_ - -

-3_-3_ gub tyf a}+s df}Hbftsf] ljlgdo b/df ePsf] km/saf6 cfDbfgL÷vr{gub tyf a}+s df}Hbftsf] ljlgdo b/df ePsf] km/saf6 cfDbfgL÷vr{ 4,16,69,855 4,16,69,855 2,98,78,386 2,98,78,386 -ª_-ª_ o; jif{sf] ;Dk"0f{ ultljlwaf6 gub k|jfxo; jif{sf] ;Dk"0f{ ultljlwaf6 gub k|jfx 3,87,49,96,834 3,87,49,96,834 1,73,68,05,988 1,73,68,05,988 -r_-r_ gub tyf a}+sdf /x]sf] z''? df}Hbftgub tyf a}+sdf /x]sf] z''? df}Hbft 6,30,55,42,128 6,30,55,42,128 4,56,87,36,140 4,56,87,36,140 -5_-5_ gub tyf a}+sdf /x]sf] clGtd df}Hbftgub tyf a}+sdf /x]sf] clGtd df}Hbft 10,18,05,38,962 10,18,05,38,962 6,30,55,42,128 6,30,55,42,128





z]o/xf]N8/x?sf] gfdz]o/xf]N8/x?sf] gfdo; jif{ ?=o; jif{ ?=

/sd -?=_/sd -?=_ hDdf ∞hDdf ∞

sd{rf/L ;+rosf]if 43,83,72,500 9.77%o+u lnog l/oN6L P;= 8L= Pg= lj Pr 8L=,dn]l;of 33,43,60,100 7.45%ufO{qL Oge]:6d]G6 P08 Dofg]hd]G6 -k|f=_ lnld6]8 15,72,00,900 3.50%FMO 14,28,74,000 3.18%gGb lszf]/ /f7L 13,35,89,100 2.98%wgGho k|;fb cfrf{o 12,11,87,800 2.70%ljzfn cu|jfn 10,39,16,900 2.32%k'?iff]Qd nfn ;+wO{ 9,25,05,200 2.06%;Gtf]if /f7L 7,96,92,800 1.78%kjg s'df/ uf]Nof0f 7,32,75,400 1.63%;Gtf]if b]jL d'/f/sf 6,30,18,300 1.40%cgGt s'df/ uf]Nof0f 4,07,97,700 0.91%/fh s'df/ uf]on 4,07,22,600 0.91%lbgjGw' cu|jfn 4,02,78,400 0.90%

z]o/ :jldTj ljj/0fz]o/ :jldTj ljj/0f o; jif{ ?=o; jif{ ?= ut jif{ ?= ut jif{ ?=

∞ z]o/ k"FhLz]o/ k"FhL ∞ z]o/ k"FhLz]o/ k"FhL

1= :jb]zL :jldTj 89.36 4,00,96,89,794 87.10 2,09,04,07,228 1=1 >L g]kfn ;/sf/ - - - - 1=2 æsÆ ju{sf Ohfhtkq k|fKt ;+:yfx? - - - - 1=3 cGo Ohfhtkq k|fKt ;+:yfx? - - - - 1=4 cGo ;+:yfx? 17.38 77,99,79,765 17.57 42,16,66,748 1=5 ;j{;fw/0f 71.98 3,22,97,10,030 69.53 1,66,87,40,480 1=6 cGo - - - - v= a}b]lzs :jldTj 10.64 47,72,34,272 12.90 30,95,92,772 hDdfhDdf 100 100 4,48,69,24,066 4,48,69,24,066 100 100 2,40,00,00,000 2,40,00,00,000 gf]6 M dfly cg';"rLdf plNnlvt ljj/0f cGtu{t )=% k|ltzt jf ;f]eGbf a9L :jfldTj ePsf] lgDglnlvt JolQm÷;d"x÷kmd{ tyf sDkgLx?n] PgPdla a}+s lnld6]8sf] z]o/ :jfldTjdf /fv]sf 5g\ .

cg';"rL $=!

z]o/ k"“hL tyf :jfldTj@)&# ;fn cfiff9 #! ut] -h'nfO{ !^, @)!%_ sf]

ljj/0fljj/0f o; jif{ ?=o; jif{ ?= ut jif{ ?=ut jif{ ?=

!= z]o/ k"“hL

1=1 clws[t k"“hL

s_ *),))),))) ;fwf/0f z]o/ k|lt z]o/ ?=!)) n] 8,00,00,00,000 5,00,00,00,000 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]

1=2 hf/L k"“hL

s_ $,$*,^(,@$! ;fwf/0f z]o/ k|lt z]o/ ?=!)) n] 4,48,69,24,066 2,40,00,00,000 v_ ========== gg\l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ?============ n]


1=3 r'Qmf k"“hL

s_ $,$*,^(,@$! ;fwf/0f z]o/ k|lt z]o/ ? !)) n] k|lt z]o/ r'Qmf ?=!)) 4,48,69,24,066 2,40,00,00,000 v_ ========== gg\l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ?============ n]


1=4 k|:tfljt af]g; z]o/ 1,03,17,11,869 33,23,64,746 1=5 sN; Og P8efG; - -1=6 sN; Og Pl/P/\; - -

hDdfhDdf 5,51,86,35,934 5,51,86,35,934 2,73,23,64,746 2,73,23,64,746

4747

4949

cg';"rL $=@

hu]8f tyf sf]ifx?-@)&# cfiff9 d;fGt_

ljj/0fljj/0f o; jif{ ?=o; jif{ ?= ut jif{ ?=ut jif{ ?=!= ;fwf/0f . a}wflgs hu]8f sf]if 1,00,76,23,410 45,07,65,878 @ k"“hLut hu]8f sf]if 1,01,50,347 1,00,77,915 # k"“hLut lkmtf{ hu]8f sf]if (Capital Redemption Reserve) - - $ k"“hL ;dfof]hg sf]if 5,32,95,483 - % k"FhL ;dfof]hg sf]if (Swap Surplus) - ^ cGo hu]8f tyf sf]if 20,80,48,644 6,53,36,030

s_ e}k/L cfpg] hu]8f - - v_ ;+:yf ljsf; sf]if - - u_ nfef+z ;lds/0f sf]if - - 3_ ljz]if hu]8f sf]if - - ª_ ;DklQ k'gd"{Nof°g sf]if - - r_ :yug s/ sf]if 6,53,18,853 2,38,36,862 5_ cGo :jtGq sf]if - - h_ nufgL ;dfof]hg sf]if 1,49,32,675 44,52,922 em_ C0fkq e'QmfgL sf]if 12,77,97,116 3,70,46,246 0f_ cGo hu]8f sf]if - -

& ;l~rt gfkmf÷gf]S;fg 2,21,94,575 95,23,179 * ;6xL 36a9 sf]if 4,12,11,115 2,83,79,220 hDdf hDdf 1,34,25,23,574 1,34,25,23,574 56,40,82,222 56,40,82,222

an/fd Gof}kfg] 3,87,86,600 0.86%g/kt l;+x h}g 3,57,50,700 0.80%kz'klt d'/f/sf 3,39,66,000 0.76%czf]s s'df/ d'/f/sf 2,99,47,800 0.67%o'uf]n lszf]/ /f7L 2,48,32,900 0.55%k|lbk s'df/ d'/f/sf 2,47,97,000 0.55%/fh]z cu|jfn 2,38,06,700 0.53%uf}/a Oge]:6d]G6 -k|f=_ lnld6]8 2,25,21,200 0.50%


cg';"rL $=#

C0fkq tyf j08-@)&# cfiff9 d;fGt_


!= & k|ltzt j08÷C0fkq k|lt j08÷C0fkq ?=!,))) n] 50,00,00,000 50,00,00,000.00 ldlt ^.!!.@)&! df hf/L ePsf] / ldlt %.%.@)&& df r'Qmf x'g]

-xfn;Ddsf] Redemption Reserve /sd ?=!@,&&,(&,!!#_

@ ====== k|ltzt j08÷C0fkq k|lt j08÷C0fkq ========= ?====== n] - -ldlt ========= df hf/L ePsf] / ldlt ======== df r'Qmf x'g]

-xfn;Ddsf] Redemption Reserve /sd ?=====================_

#= ======= ========= - -hDdf !+@+#hDdf !+@+# 50,00,00,000 50,00,00,000 50,00,00,000.00 50,00,00,000.00

cg';"rL $=$

ltg{ af“sL shf{ -;fk6L_-@)&# cfiff9 d;fGt_


s= :jb]zL

!= >L g]kfn ;/sf/ - -@= g]kfn /fi6« a}+s 1,37,73,00,000 43,80,00,000.00 #= l/kf] bfloTj - -$= cGt/ a}+s tyf ljQLo ;+:yf - -%= cGo ;+ul7t ;+:yfx? - -^= cGo - -

hDdf hDdf 1,37,73,00,000 1,37,73,00,000 43,80,00,000 43,80,00,000 v= ljb]zL

!= a}+sx? 11,06,94,615.47 - @= cGo - -

hDdf hDdf 11,06,94,615.47 11,06,94,615.47 - - hDdf -s+v_ hDdf -s+v_ 1,48,79,94,615 1,48,79,94,615 43,80,00,000 43,80,00,000

5151

cg';"rL $=%

lgIf]k lx;fj-@)&# cfiff9 d;fGt_


1 Jofh ltg'{ gkg]{ vftfx?

s rNtL lx;fjrNtL lx;fj 2,66,97,61,217 2,66,97,61,217 1,45,76,15,709 1,45,76,15,709 1= :jb]zL d'b|fdf 2,26,11,86,607 1,33,97,98,420 1=1 >L g]kfn ;/sf/ 53,20,78,147 28,89,87,307 1=2 æsÆ ju{sf Ohfhtkq k|fKt ;+:yfx? 76,69,844 86,00,914 1=3 cGo Ohfhtkq k|fKt ljQLo ;+:yfx? 14,95,85,371 18,01,99,844 1=4 cGo ;+ul7t ;+:yfx? 1,36,94,75,215 79,77,87,077 1=5 JolQmut 18,06,35,186 6,42,23,279 1=6 cGo 2,17,42,845 - 2= ljb]zL d'\b|fdf 40,85,74,610 11,78,17,289 2=1 >L g]kfn ;/sf/ - 2=2 æsÆ ju{sf Ohfhtkq k|fKt ;+:yfx? - 2=3 cGo Ohfhtkq k|fKt ljQLo ;+:yfx? - 2=4 cGo ;+ul7t ;+:yfx? 40,83,59,910 11,62,85,857 2=5 JolQmut 2,14,700 15,31,432 2=6 cGo - -

v=v= dflh{gdflh{g 2,06,03,13,078 2,06,03,13,078 1,88,65,37,540 1,88,65,37,540 1= sd{rf/L hdfgt - 2= hdfgt dflh{g 13,17,86,550 5,33,02,835 3= k|lttkq dflh{g 1,92,85,26,528 1,83,32,34,705

u=u= cGocGo - -1= :jb]zL d'b|fdf - -1=1 ljQLo ;+:yfx? - -1=2 cGo ;+ul7t ;+:yfx? - -1=3 JolQmut - -2= ljb]zL d'\b|fdf - -2=1 ljQLo ;+:yfx? - -2=2 cGo ;+ul7t ;+:yfx? - -2=3 JolQmut - -

Jofh ltg'{ gkg]{ vftfx?sf] hDdfJofh ltg'{ gkg]{ vftfx?sf] hDdf 4,73,00,74,295 4,73,00,74,295 3,34,41,53,249 3,34,41,53,249 2= Jofh ltg'{ kg]{ vftfx?

s=s= art lx;fjart lx;fj 18,61,87,25,873 18,61,87,25,873 7,82,77,79,637 7,82,77,79,637 1= :jb]zL d'b|fdf 18,45,48,36,349 7,72,02,34,874 1=1 ;+3 ;+:yfx? 48,86,34,369 48,87,87,943 1=2 JolQmut 17,95,14,22,159 7,23,14,46,930 1=3 cGo 1,47,79,821 - 2= ljb]zL d'\b|fdf 16,38,89,524 10,75,44,763 2=1 ;+3 ;+:yfx? 4,97,64,973 4,44,40,863 2=2 JolQmut 11,41,24,551 6,31,03,900 2=3 cGo -


v=v= d'2tL lx;fjd'2tL lx;fj 26,97,51,43,670 26,97,51,43,670 11,19,62,30,671 11,19,62,30,671 1= :jb]zL d'b|fdf 26,07,05,83,045 10,92,70,57,424 1=1 ;+3 ;+:yfx? 18,69,90,18,950 7,53,59,79,534 1=2 JolQmut 7,36,44,24,095 3,39,10,77,890 1=3 cGo 71,40,000 - 2= ljb]zL d'\b|fdf 90,45,60,625 26,91,73,247 2=1 ;+3 ;+:yfx? 90,10,35,750 26,57,97,397 2=2 JolQmut 35,24,875 33,75,850 2=3 cGo -

u=u= dfu]sf] avt ltg'{ kg]{ lx;fjdfu]sf] avt ltg'{ kg]{ lx;fj 14,45,75,19,784 14,45,75,19,784 14,35,47,54,097 14,35,47,54,097 1= :jb]zL d'b|fdf 13,20,07,19,140 12,97,15,38,248 1=1 æsÆ ju{sf Ohfhtkq k|fKt ;+:yfx? - - 1=2 cGo Ohfhtkq k|fKt ljQLo ;+:yfx? 1,17,12,32,004 3,70,02,34,815 1=3 cGo ;+ul7t ;+:yfx? 10,94,84,08,708 7,16,20,04,360 1=4 JolQmut 1,02,18,23,809 2,10,92,99,073 1=5 cGo 5,92,54,619 - 2= ljb]zL d'\b|fdf 1,25,68,00,644 1,38,32,15,849 2=1 æsÆ ju{sf Ohfhtkq k|fKt ;+:yfx? - 2=2 cGo Ohfhtkq k|fKt ljQLo ;+:yfx? 5,87,947 3,38,90,765 2=3 cGo ;+ul7t ;+:yfx? 1,25,62,12,697 1,34,93,25,084 2=4 JolQmut - 2=5 cGo -

#=#= ;l6{lkms]6 ckm l8kf]lh6;l6{lkms]6 ckm l8kf]lh6 - - - - 1= ;+ul7t ;+:yf - 2= JolQmut - 3= cGo -

Jofh ltg'{ kg]{ vftfx?sf] hDdfJofh ltg'{ kg]{ vftfx?sf] hDdf 60,05,13,89,327 60,05,13,89,327 33,37,87,64,405 33,37,87,64,405 -!±@_ hDdf lgIf]k-!±@_ hDdf lgIf]k 64,78,14,63,622 64,78,14,63,622 36,72,29,17,654 36,72,29,17,654

5353

cg';"rL $=^

e'QmfgL lbg' kg]{ ljnx?-@)&# cfiff9 d;fGt_


!= :jb]zL d'b|f - -

@= ljb]zL d'b|f - -

hDdf hDdf - -

cg';"rL $=&

cGo bfloTj-@)&# cfiff9 d;fGt_


!= k]G;g÷pkbfg sf]if - 2,91,47,743

@= sd{rf/L ;~ro sf]if - -

#= sd{rf/L sNof0f sf]if - -

$= sd{rf/L af]g; Joj:yf 16,02,78,953 7,12,81,115

%= lgIf]kdf e'QmfgL lbg af“sL Jofh 17,50,18,662 7,81,38,743

^= ;fk6Ldf e'QmfgL lbg af“sL Jofh 28,55,180 18,24,007

&= kfsL g;s]sf] l8:sfp06 / sldzg 6,45,04,061 2,26,15,480

*= ;08«L qm]l86;{ 33,28,38,729 4,63,75,813

(= zfvf ldnfg lx;fj - -

!)= :yug s/ bfloTj - -

!!= e'QmfgL lbg af“sL nfef+z 3,40,13,359 1,69,03,516

!@= cGo 15,89,00,571 9,63,19,196

s_ dr]{G6 a}+lsu–z]o/ lgisfzgaf6 ;+slnt /sd 2,38,62,927 2,17,17,138

v_ e'QmfgL lbg af“sL n]vf kl/If0f z"Ns 10,03,500 2,14,700

u_ sd{rf/L ;~ro lj/fdL ljbf sf]if 5,60,41,112 1,74,85,493

3_ e'QmfgL lbg af“sL C0fkq Jofh 1,75,47,945 1,42,87,671

ª_ cGo 6,04,45,087 4,26,14,194

hDdf hDdf 92,84,09,514 92,84,09,514 36,26,05,613 36,26,05,613


cg';"rL $=(

g]kfn /fi6« a}+sdf /x]sf] df}Hbft-@)&# cfiff9 d;fGt_

ljj/0fljj/0f :jb]zL d'b|f ?=:jb]zL d'b|f ?= ljb]zL d'b|f ?=dfljb]zL d'b|f ?=df s"n ?=s"n ?= ut jif{ ?=ut jif{ ?=

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

!= g]kfn /fi6« a}+s 6,39,05,85,135 3,39,12,44,786 s= rNtL vftf 5,97,66,67,305 - 4 1,39,17,830 41,39,17,830 6,39,05,85,135 3,39,12,44,786 v= cGo vftf - - - - - -

gf]6M g]kfn /fi6« a}+ssf] ;dy{gkq cg';f/sf] s"n df}Hbft ?=^,$!,%(,#*,^)& /x]sf] 5 .

cg';"rL $=*

gub df}Hbft-@)&# cfiff9 d;fGt_


!= :jb]zL d'b|f 1,46,78,72,732 79,07,30,099 @= ljb]zL d'b|f 2,32,79,123 2,68,54,959 hDdfhDdf 1,49,11,51,855 1,49,11,51,855 81,75,85,058 81,75,85,058

5555

cg';

"rL $=!)

a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft

-@)&# cfiff9 d

;fGt

_

ljj/0f

ljj/0f

:jb]z

L d'b

|f?=

:jb]z

L d'b

|f?=

ljb]z

L d'b

|f ?=df

ljb]z

L d'b

|f ?=df

s"n ?

=s"n ?

=ut

jif{

?=

ut j

if{ ?=

ef=?=

ef=?=

kl/jTo{ lj=d'=

kl/jTo{ lj=d'=

hDdf

hDdf

!=:jb]z

L Oh

fhtk

q

k|fKt ;

+:yfx?

2,2

9,88,0

1,97

2 3

7,98

,09,

462

s=

rNtL vftf

1,1

0,51

,51,

251

48,0

2,76

,919

7

1,33

,73,

802

1

,19,

36,5

0,72

1 2

,29,

88,0

1,97

2 3

7,98

,09,

462

v=

cGo v

ftf

-

-

!=ljb]z

L a}+s

x? -

1

,71,

69,0

2,822

s=

rNtL vftf

-

-

-

-

-

1,7

1,69

,02,

822

v=

cGo v

ftf

-

-

hDdf

hDdf

2,2

9,88,0

1,97

2 2

,29,

88,0

1,97

2 2

,09,

67,1

2,28

4

2,0

9,67

,12,

284

s_ ;Da

lGwt

Ohfh

tkqk

|fKt ;

+:yfx?

;dy{g

kq c

g';f/sf] s"n d

f}Hbft

?= 2

,373

,585,830

. km/s

/sdx?

lx;

fa ldnfg

sf ul

/Psf 5g\

.


cg';"rL $=!!

dfu tyf cNk;"rgfdf k|fKt x'g] /sdx?-@)&# cfiff9 d;fGt_


!= :jb]zL d'b|fdf - -

@= ljb]zL d'b|fdf 55,78,22,817 72,26,07,414

hDdfhDdf 55,78,22,817 55,78,22,817 72,26,07,414 72,26,07,414 gf]6 M dfFu tyf cNk;"rgfdf k|fKt x'g] /sd ;dy{gkq cg';f/sf] s"n df}Hbft ?=^@,)(,^*,$(# . ;a} /sdx?sf] lx;fj ldnfg ul/Psf] 5 .

cg';"rL $=!@

nufgL-@)&# cfiff9 d;fGt_

ljj/0fljj/0f k|of]hgk|of]hg o; jif{ ?=o; jif{ ?= ut jif{ ?=ut jif{ ?=

Jofkfl/sJofkfl/s cGocGo

!= >L g]kfn ;/sf/sf] 6«]h/L ljn - 88,02,32,165 88,02,32,165 2,85,22,19,404

@= >L g]kfn ;/sf/sf] artkq 2,00,000 - 2,00,000 -

#= >L g]kfn ;/sf/sf] cGo C0fkq - 3,52,10,87,644 3,52,10,87,644 1,61,68,89,093

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

%= ljb]zL C0fkq - - - -

^= :jb]zL Ohfhtkq k|fKt ;+:yf - 3,51,97,78,460 3,51,97,78,460 30,00,00,000

&= ljb]zL a}+s - 32,20,50,000 32,20,50,000 78,65,25,567

*= ;+ul7t ;+:yfx?sf] z]o/ - 26,10,20,749 26,10,20,749 22,50,43,220

(= ;+ul7t ;+:yfx?sf] l8j]Gr/ tyf j08 - - - -

!)= cGo nufgL - - - 20,32,00,000

s"n nufgLs"n nufgL 8,50,43,69,018 8,50,43,69,018 5,98,38,77,284 5,98,38,77,284

Joj:yfJoj:yf 2,43,461 2,43,461 5,000 5,000

v"b nufgLv"b nufgL 8,50,41,25,557 8,50,41,25,557 5,98,38,72,284 5,98,38,72,284

5757

gf]6

M # j

if{eGb

fa9L ;

dob

]lv n

fef+z

3f]if0f t

yf ljt

/0f gu

/]sf sDk

gLx?

lgD

gfg'z

f/ 5

g\ .

Uni

ted

Insu

ranc

e Co

. (N

epal

) Ltd

., N

epal

Sto

ck E

xcha

nge

Ltd.

, Nep

al C

lear

ing

Hou

se, M

ero

Mic

ro F

inan

ce B

ittiy

a Sa

nsth

a Lt

d., N

MB

Sula

v In

vest

men

t Fun

d-1,

NIB

L Sa

mrid

dhi F

und-

1

cg';

"rL $=!@ -s_

z]o/, l8j]Gr/ tyf j08df nufgL

-@)&# cfiff9 d

;fGt

_

ljj/0f

ljj/0f

k/n d

f]n ?

=k/n d

f]n ?

=ah

f/ d

"Nofg';f/ ?

=ah

f/ d

"Nofg';f/ ?

=Joj:yf /s

d ?=

Joj:yf /s

d ?=

o; j

if{ ?=

o; j

if{ ?=

ut j

if{ ?=

ut j

if{ ?=

!=z]o/

nufgL

26,

10,2

0,74

9 1

,00,

31,4

0,429

2

,43,

461

2

6,10

,20,

749

22,

50,4

3,22

0 !=!

g]kfn :6s

PS;

r]Gh

lnld6]8

5,0

00

-

5,0

00

5,0

00

5,0

00

%) ;

fwf/0f z

]o/, k|lt

z]o/

!)) n

] r'Qmf

!=@

o"gfO6]8

OG:of]/]G; s

+= -g]kfn_ lnld6]8

2,7

1,30

0 2

3,40,

000

-

2,7

1,30

0 1

,63,

300

!*)) ;

fwf/0f z

]o/, k|lt

z]o/

!)) n

] r'Qmf

!=#

Pg P

n h

L OG:of]/]G; s

+= lnld6]8

-af]g;

z]o/

!) lsQf_

-

19,

700

-

-

-

!=$

k|fOd

nfOkm OG:of]/]G; s

+= lnld6]8

55,

410

4

,57,

600

-

55,

410

-

@)* ;fwf/0f z

]o/, k|lt

z]o/

!)) n

] r'Qmf

!=%

/fli6

o ladf ;

+:yfg

7,5

2,75

0 7

6,46,

940

-

7,5

2,75

0 -

$)( ;fwf/0f z

]o/, k|lt

z]o/

!)) n

] r'Qmf

!=^

g]kfn Sn]l/Ë x

fp; (

Nep

al C

lear

ing

Hou

se)

41,

98,0

00

-

-

41,

98,0

00

23,

02,6

00

$@,(*) OSjL6L z

]o/, k|lt

z]o/

!)) n

] r'Qmf

!=&

shf{ ;"rgf s

]Gb| lnld6]8

1,8

9,00

0 -

-

1

,89,

000

94,5

00

%^)) ;

fwf/0f z

]o/, k|lt

z]o/

!)) n

] r'Qmf

!=*

PgPd

la Soflk6n

lnld6]8

10,

00,0

0,00

0 -

-

1

0,00

,00,

000

10,

00,0

0,00

0 !,))),))) ;

+:yfks z

]o/, k|lt

z]o/

!)) n

] r'Qmf

!=(

d]/f] dfOq

mf]kmfOgf; ljlto

;+:y

f lnld6]8

1,4

0,00

,000

-

-

1

,40,

00,0

00

1,4

0,00

,000

!$)))) ;

fwf/0f z

]o/, k|lt

z]o/

!)) n

] r'Qmf

!=!)

PgPd

la ;

'ne

O0e]id]G6

km08

–!

10,

50,0

0,00

0 1

4,8

0,50

,000

-

1

0,50

,00,

000

10,

50,0

0,00

0 !),%)),))) ;fwf/0f z

]o/, k|lt

z]o/

!) n] r

'Qmf

!=!!

PgcfOlaPn

;d|LwL k

m08 –!

64,7

20

85,

430

-

6

4,7

20

34,7

7,820

^$&@ ;

fwf/0f z

]o/, k|lt

z]o/

!) n] r

'Qmf

!=!@

;flg

df d

fF xfO8

f]{ kfj/

32,

59,7

08

55,

25,3

40

-

32,

59,7

08

-

%$!& ;fwf/0f z

]o/, k|lt

z]o/

!)) n

] r'Qmf

!=!# l/9L x

fO8f]{ kfj/

9,4

00

38,4

19

-

9,4

00

-

!)# ;

fwf/0f z

]o/, k|lt

z]o/

!)) n

] r'Qmf

28,1

5,461

2

5,77

,000

2

,38,4

61

28,1

5,461

-

!=!$ ;f]N6L xf6]n lnld6]8

^*&@ ;fwf/0f z

]o/, k|lt

z]o/

!)) n

] r'Qmf

!=!% ;LOl8la x

fO8f]{ km08

1,0

0,00

,000

-

-

1

,00,

00,0

00

-

!)),))) ;

fwf/0f z

]o/, k|lt

z]o/

!)) n

] r'Qmf

!=!^ P

gPdla

dfOq

mf]kmfOgf; ljlto

;+:y

f lnld6]8

2,0

4,0

0,00

0 8

3,64

,00,

000

-

2,0

4,0

0,00

0 -

@,)$,))) ;fwf/0f z

]o/, k|lt

z]o/

!)) n

] r'Qmf

@= l8j]Gr/ ty

f j08 n

ufgL

-

-

-

-

-

@=! ========

-

-

-

-

-

@=@ ========

-

-

-

-

-

@=# ========

s"n n

ufgL

s"n n

ufgL

26,

10,2

0,74

9 2

6,10

,20,

749

1,0

0,31

,40,

429

1

,00,

31,4

0,429

2

,43,

461

2

,43,

461

2

6,10

,20,

749

26,

10,2

0,74

9 2

2,50

,43,

220

22,

50,4

3,22

0 #= h

f]lvd

;DaGwL Joj:yf

-

-

-

#=! ut

jif{;

Ddsf] Joj:yf

-

-

-

5,0

00

5,0

00

#=@ o;

jif{s

f] yk÷36

-

-

-

2,3

8,4

61

-

s"n Joj

:yf

s"n Joj

:yf

-

-

-

-

-

-

2,4

3,461

2

,43,

461

5

,000

5

,000

v"b

nufgL

v"b

nufgL

26,0

7,77

,288

26,0

7,77

,288

22,

50,3

8,2

20

22,

50,3

8,2

20


cg';

"rL $=!@=!

Jofkfl/s nufgL

(Hel

d fo

r Tra

ding

)-@)&# cfiff9 d

;fGt

_

ljj/0f

ljj/0f

k/n

k/n

d"No

d"No

kl5Nn

]f kl5Nn

]f ah

f/

ahf/

d"No

-s_

d"No

-s_

xfnsf]

xfnsf]

ahf/

ahf/

d"No-v_

d"No-v_

o;

o;

jif{ ?=

jif{ ?=

ut

ut

jif{ ?=

jif{ ?=

s}lkmot

s}lkmot

gfkmf .

-gf]S;fg_

/sd

-v-s

_

gfkmf .

-gf]S;fg_

/sd

!=>L g]k

fn ;

/sf/sf] 6«]h

/L ljn

--

--

-@=

>L g]k

fn ;

/sf/sf] ar

tkq

2,0

0,00

0 -

--

-#=

>L g]k

fn ;

/sf/sf] cGo C

0fkq

--

--

-$=

g]=/f= a}+s

C0fkq

--

--

-%=

ljb]z

L C0fkq

--

--

-^=

:jb]z

L Oh

fhtk

q k

|fKt ;

+:yfsf] z]o/

--

--

-&=

:jb]z

L Oh

fhtk

q k

|fKt ;

+:yfsf] l8j]Gr/ ty

f j08

--

--

-*=

:jb]z

L ;+ul7t

;+:y

fsf] z]o/

, l8j]Gr/ ty

f j08

--

--

-(=

ljb]z

L a}+s

nufgL (

Plac

emen

t)-

--

--

!)=

Inte

rban

k Le

ndin

g-

--

--

!!=

cGo n

ufgL

--

--

-s"n n

ufgL

s"n n

ufgL

2,0

0,00

0 2

,00,

000

--

--

5959

cg';

"rL $=!@=@

e'QmfgL ldlt;Dd wf/0f ug]{ nufgL

(Hel

d fo

r Mat

urity

)-@)&# cfiff9 d

;fGt

_

ljj/0f

ljj/0f

k/n

k/n

d"No

-s_

d"No

-s_

xfn;Ddsf]

xfn;Ddsf]

Iflt

Iflt

/sd

-v_

/sd

-v_

o; j

if{sf]

o; j

if{sf]

Iflt

Iflt

/sd

-u_

/sd

-u_

o; j

if{ ?=

o; j

if{ ?=

ut j

if{ ?=

ut j

if{ ?=

s}lkmot

s}lkmot

gfkmf . -gf]S;fg_

gfkmf . -gf]S;fg_

/sd

-s–v

–u_

/sd

-s–v

–u_

gfkmf .

gfkmf .

-gf]S;fg_ /s

d -gf]S;fg_ /s

d !=

>L g]k

fn ;

/sf/sf] 6«]h

/L ljn

88,0

2,32

,165

-

-

-

-

@=

>L g]k

fn ;

/sf/sf] ar

tkq

-

-

-

-

-

#=>L g]k

fn ;

/sf/sf] cGo C

0fkq

3,5

2,10

,87,

644

-

-

3,5

2,10

,87,

644

-

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

C0fkq

-

-

-

-

-

%=ljb]z

L C0fkq

-

-

-

-

-

^=:jb]z

L Oh

fhtk

qk|fKt ;

+:yfsf] z]o/

-

-

-

-

-

&=:jb]z

L Oh

fhtk

qk|fKt ;

+:yfsf] l8j]Gr/ ty

f j08

-

-

-

-

-

*=:jb]z

L ;+ul7t

;+:y

fsf] z]o/

, l8j]Gr/ ty

f j08

-

-

-

-

-

(=ljb]z

L a}+s

nufgL (

Plac

emen

t) 3

2,20

,50,

000

-

-

32,

20,5

0,00

0 -

!)=

cGo n

ufgL

3,5

1,97

,78,4

60

-

-

-

-

s"n n

ufgL

s"n n

ufgL

8,2

4,3

1,48,2

69

8,2

4,3

1,48,2

69

-

-

-

-

3,8

4,3

1,37

,644

3,8

4,3

1,37

,644

-

-


cg';

"rL $=!@=#

las|Lsf] nflu pknJw nufgL

(Ava

ilabl

e fo

r Sal

e)-@)&# cfiff9 d

;fGt

_

ljj/0f

ljj/0f

k/n d

"Nok/n d

"Nokl5Nn

]f kl5Nn

]f

ahf/ d

"No-s

_ah

f/ d

"No-s

_

xfnsf]

xfnsf]

ahf/ d

"No-v

_ah

f/ d

"No-v

_o;

jif{

?=

o; j

if{ ?=

ut j

if{ ?=

ut j

if{ ?=

s}lkmot

s}lkmot

sf]if ;

dfof]hg

sf]if ;

dfof]hg

/sd

-v–s

_/s

d -v

–s_

gfkmf .

gfkmf .

-gf]S;fg_ /s

d -gf]S;fg_ /s

d

!=>L g]k

fn ;

/sf/sf] 6«]h

/L ljn

-

-

-

-

-

@=>L g]k

fn ;

/sf/sf] ar

tkq

-

-

-

-

-

#=>L g]k

fn ;

/sf/sf] cGo C

0fkq

-

-

-

-

-

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

C0fkq

-

-

-

-

-

%=ljb]z

L C0fkq

-

-

-

-

-

^=:jb]z

L Oh

fhtk

q k

|fKt ;

+:yfsf] z]o/

26,

10,2

0,74

9 1

0,87,

94,8

38.2

1

,00,

31,4

0,429

.4

89,

43,

45,

591.

2 10

,81,

28,8

38.2

&=

:jb]z

L Oh

fhtk

q k

|fKt ;

+:yfsf] l8j]Gr/ ty

f j08

-

-

-

-

-

*=:jb]z

L ;+ul7t

;+:y

fsf] z]o/

, l8j]Gr/ ty

f j08

-

-

-

-

-

(=ljb]z

L a}+s

nufgL (

Plac

emen

t) -

-

-

-

-

!)=

cGo n

ufgL

-

-

-

-

-

s"n n

ufgL

s"n n

ufgL

26,

10,2

0,74

9 2

6,10

,20,

749

10,

87,

94,8

38.2

1

0,87,

94,8

38.2

1

,00,

31,4

0,429

.4

1,0

0,31

,40,

429

.4

89,

43,

45,

591.

2 8

9,43,

45,

591.

2 10

,81,

28,8

38.2

10

,81,

28,8

38.2

6161

cg';

"rL $=!#

shf{ ;fk6 tyf lan vl/b juL{s/0f / ;f]sf] nflu Joj:yf

-@)&# cfiff9 d

;fGt

_ /

sd

?=df

ljj/0f

ljj/0f

shf{

shf{

v/Lb

tyf l8isfpG6 u

l/Ps

f lan

v/Lb

tyf l8isfpG6 u

l/Ps

f lan

o; j

if{ ?=

o; j

if{ ?=

ut j

if{ ?=

ut j

if{ ?=

:jb]z

L:jb]z

Lljb]z

Lljb]z

LhDdf

hDdf

:jb]z

L:jb]z

Lljb]z

Lljb]z

LhDdf

hDdf

ljkGg

ju{

ljkGg

ju{

cGo

cGo

ljldt

ljldt

cljldt

cljldt

!=;lqmo s

hf{ ;fk6

(Per

form

ing)

-

2,3

1,39

,50,

359

50,

19,8

4,4

6,93

9 5

,06,

28,0

83

52,

56,3

0,25

,381

91,

22,1

9,492

-

9

1,22

,19,

492

5

3,47,

52,4

4,8

73

27,

54,2

8,5

0,21

1 !=!

c;n

-

2,3

0,68

,38,5

22

49,

01,5

7,45,

144

5,0

6,28

,083

51,

37,3

2,11

,749

91,

22,1

9,492

-

9

1,22

,19,

492

5

2,28

,54,3

1,24

1 2

6,42,

33,1

9,26

3 !=@

;'Id lgu

/fgL

71,

11,8

37

1,1

8,2

7,01

,795

-

1

,18,9

8,1

3,63

2 -

-

1

,18,9

8,1

3,63

2 1

,11,

95,3

0,94

9 @=

lgl:qmo

shf{ ;fk6

(Non

Pef

orm

ing)

-

95,

42,

645

97,

46,

23,4

67

-

98,4

1,66

,111

-

-

-

9

8,4

1,66

,111

1

1,74

,32,

279

@=!

k'g/tfln

sLs/0f . k'g

/;+/r

gf -

1

1,19

,725

3

5,39

,277

-

4

6,59

,002

-

-

-

4

6,59

,002

2

8,6

8,4

57

@=@

sd;

n -

8

,51,

428

2

0,31

,77,

843

-

20,

40,

29,2

71

-

-

-

20,

40,

29,2

71

3,3

2,30

,641

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cg';"rL $=!^ -s_

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dfly dfly hDdf hDdf

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#= zfvf ldnfg lx;fj

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;+Deffljt bfloTjx?-@)&# cfiff9 d;fGt_


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

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!#= shf{ k|jfxsf] nflu ljQLo hdfgt (Financial Guarantee) 1,09,50,000 8,50,000

!$= cfos/ jfkt ;Defljt bfloTj (Contingent Liabilities on Income Tax) 9,98,48,085 6,96,79,994

!%= ========================= - -

!^= ========================= - -

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Jofh cfDbfgLldlt @)&@ >fj0f ! ut] b]lv @)&# cfiff9 #! ut] ;Ddsf]


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@= clwljsif{ 1,16,64,47,103 55,94,31,281

v= nufgLdf 12,44,95,540 7,67,67,785

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-s_ 6]«h/L laN; 1,89,70,162 52,14,171

-v_ ljsf; C0fkq 9,16,32,730 5,40,67,900

-u_ /fli6«o artkq 3,28,469 67,876

@= ljb]zL C0fkq - -

-s_======================= - -

-v_====================== - -

#= g]kfn /fi6« a}+ssf] C0fkq - -

$= l8j]Gr/ tyf a08 - -

%= cGt/ a}+s nufgLdf Jofh 1,35,64,179 1,74,17,838

-s_ a}+s÷ljQLo ;+:yfx? 1,35,64,179 1,74,17,838

-v_ cGo ;+:yfx? - -

u= Ph]G;L df}Hbftdf - -

!= :jb]zL a}+s÷ljQLo ;+:yfx? - -

@= ljb]zL a}+sx? - -

3= dfFu tyf cNk;"rgfdf k|fKt x'g] df}Hbftdf 58,34,297 29,00,800

!= :jb]zL a}+s÷ljQLo ;+:yfx? 21,39,049 2,08,357

@= ljb]zL a}+sx? 36,95,248 26,92,443

ª= cGodf 2,39,11,919 6,09,83,163

!= ;l6{lkms]6 ckm l8kf]lh6 - -

@= cGt/ a}+s÷ljQLo ;+:yf shf{ - -

#= cGo 2,39,11,919 6,09,83,163

hDdfhDdf 4,05,33,40,661 4,05,33,40,661 2,31,54,41,198 2,31,54,41,198


cg';"rL $=!(

Jofh vr{ldlt @)&@ >fj0f ! ut] b]lv @)&# cfiff9 #! ut] ;Ddsf]


s= lgIf]k bfloTjdf 1,98,73,23,736 1,33,05,18,721

!= d'2tL lgIf]k 1,23,54,63,098 59,15,12,353

!=! :jb]zL d'b|f 1,22,88,68,252 57,67,09,891

!=@ ljb]zL d'b|f 65,94,846 1,48,02,462

@= art lgIf]k 38,98,46,844 24,50,30,672

@=! :jb]zL d'b|f 38,78,84,918 24,41,67,004

@=@ ljb]zL d'b|f 19,61,926 8,63,668

#= dfu]sf] avt ltg'{kg]{ lgIf]k 36,20,13,794 49,39,75,696

#=! :jb]zL d'b|f 34,33,02,032 47,54,09,405

#=@ ljb]zL d'b|f 1,87,11,762 1,85,66,291

$= ;l6{lkms]6 ckm l8kf]lh6;\ - -

v= shf{ ;fk6df 5,27,35,403 1,75,54,911

!= C0fkq tyf a08 3,50,00,000 1,42,87,671

@= g]kfn /fi6« a}+saf6 k|fKt shf{ 15,09,370 18,24,000

#= cGt/ a}}+s÷ljQLo ;+:yf shf{ 1,62,26,033 14,43,240

$= cGo ;+ul7t ;+:yf - -

%= cGo shf{ - -

u= cGodf - -

!= ================ - -

@= ================ - -

hDdfhDdf 2,04,00,59,139 2,04,00,59,139 1,34,80,73,632 1,34,80,73,632

7171

cg';"rL $=@)

sldzg tyf l8:sfpG6ldlt @)&@ >fj0f ! ut] b]lv @)&# cfiff9 #! ut] ;Ddsf]


s= laN; v/Lb tyf l8:sfpG6 61,51,872 16,98,469

!= :jb]zL - -

@= ljb]zL 61,51,872 16,98,469

v= sldzg 13,10,72,635 8,30,58,875

!= k|lttkq 3,53,86,766 3,56,08,044

@= hdfgtkq 6,44,92,563 2,98,40,121

#= sn]S;g kmL 29,32,418 8,57,588

$= /]ld6]G; kmL 1,59,61,476 62,02,987

%= qm]l86 sf8{ - -

^= z]o/ k|Tofe"lt÷lgisfzg - -

&= ;/sf/L sf/f]af/ jfkt - -

*= O=k|f= sldzg jfkt 1,22,58,575 1,05,49,747

(= a§f cfDbfgL 40,837 388

u= cGo 6,03,90,994 2,78,58,367

!= ;'g tyf rf“bLsf] sf/f]]af/af6 ePsf] cfDbfgL 71,42,743 7,06,843

@= cGo 5,32,48,251 2,71,51,524

hDdfhDdf 19,76,15,501 19,76,15,501 11,26,15,711 11,26,15,711


cg';"rL $=@!

cGo ;+rfng cfDbfgLldlt @)&@ >fj0f ! ut] b]lv @)&# cfiff9 #! ut] ;Ddsf]


!= ;]km l8kf]lh6 eN6sf] ef8f 17,95,350 8,88,413

@= qm]l86sf8{ lgisfzg tyf gljs/0f - -

#= ATM sf8{ lgisfzg tyf gljs/0f 1,22,00,899 59,50,649

$= 6]n]S;÷l6=l6 69,86,065 47,29,688

%= ;]jf z"Ns 19,02,40,583 9,50,93,239

^= gjLs/0f z"Ns - -

&= cGo 68,82,949 56,08,231

hDdfhDdf 21,81,05,846 21,81,05,846 11,22,70,220 11,22,70,220

cg';"rL $=@@

;6xL 36a9 cfDbfgL÷gf]S;fgtldlt @)&@ >fj0f ! ut] b]lv @)&# cfiff9 #! ut] ;Ddsf]


-s_ ljlgdo b/df ePsf] km/saf6 4,16,69,855 2,98,78,386

-v_ ljb]zL d'b|f sf/f]af/af6 -a§f afx]s_ 11,85,98,818 8,96,35,158

hDdf cfDbfgL÷-gf]S;fg_hDdf cfDbfgL÷-gf]S;fg_ 16,02,68,673 16,02,68,673 11,95,13,544 11,95,13,544

7373

cg';"rL $=@#

sd{rf/L vr{ldlt @)&@ >fj0f ! ut] b]lv @)&# cfiff9 #! ut] ;Ddsf]


!= tna 16,17,64,760 8,98,76,534

@= eQf 16,45,50,673 7,04,08,437

#= ;~rosf]ifdf yk 1,48,06,376 85,96,256

$= tflnd vr{ 89,28,103 39,13,673

%= kf]zfs - -

^= cf}ifwf]krf/ - -

&= aLdf - -

*= k]G;g tyf pkbfg Joj:yf 4,26,69,434 93,79,969

(= cGo 7,85,92,101 1,96,40,321

-s_ labf jfktsf] vr{ 1,23,14,943 73,04,198

-v_ sd{rf/L sNof0f vr{ 1,22,14,914 76,94,345

-u_ ;+lrt la/fdL ljbf 3,28,23,932 46,41,778

-3_ k|kmd]G;\ OG;]lG6e 2,11,50,778 -

-ª_ sd{rf/L egf{ vr{ 87,534 -

hDdfhDdf 47,13,11,447 47,13,11,447 20,18,15,190 20,18,15,190


cg';"rL $=@$

cGo ;+rfng vr{ldlt @)&@ >fj0f ! ut] b]lv @)&# cfiff9 #! ut] ;Ddsf]

ljj/0fljj/0f o; jif{ ?=o; jif{ ?= ut jif{ ?=ut jif{ ?=!= 3/ef8f 6,55,65,800 4,01,01,444 @= aQL, ljh'nL / kfgL 1,71,00,640 1,27,16,623 #= dd{t tyf ;Def/ 41,99,599 50,71,092

-s_ ejg 7,45,867 2,72,417 -v_ ;jf/L ;fwg 23,37,488 17,17,730 -u_ cGo 11,16,244 30,80,945

$= aLdf 1,03,49,319 59,35,664 %= kf]i6]h, 6]n]S;, 6]lnkmf]g, km\ofS; 3,10,96,319 1,90,67,797 ^= sfof{no pks/0f kmlg{r/ / ;Def/ 54,76,595 10,90,680 &= e|d0f, eQf / vr{ 86,02,825 21,30,808 *= d;nGb / 5kfO{ 3,17,93,330 1,69,25,073 (= kqklqsf tyf k':ts 3,48,488 2,23,397 !)= lj1fkg 3,00,59,783 1,27,67,990 !!= sfg"gL vr{ 47,14,713 31,82,221

-s_ sfg"gL z"Ns 2,60,728 2,40,000 -v_ Joj;foLs z"Ns 44,53,985 29,42,221

!@= rGbf 30,000 5,81,453 !#= ;+rfns ;ldlt ;DaGwL vr{ 41,02,025 27,64,084

-s_ a}7s eQf 19,94,000 12,15,000 -v_ cGo vr{ 21,08,025 15,49,084

!$= ;fwf/0f ;ef ;DaGwL vr{ 18,93,090 5,75,243 !%= n]vfk/LIf0f ;DaGwL 14,46,091 6,09,490

-s_ n]vfk/LIf0f z"Ns 10,17,000 2,14,700 -v_ cGo vr{ 4,29,091 3,94,790

!^= /sd :yfgfGt/0f sldzg - - !&= l:y/ ;DklQdf x|f; s§L 9,99,85,150 6,81,61,596 !*= k"j{ ;+rfng vr{ ckn]vg - - !(= z]o/ lgisfzg vr{ - - @)= k|fljlws ;]jf ;f]wegf{ - - @!= dgf]/~hg vr{ 46,72,911 22,59,069 @@= ckn]vg vr{ - - @#= ;'/Iff vr{ 3,87,88,758 2,27,70,658 @$= shf{ ;'/If0f lk|ldod - - @%= sldzg / l8:sfpG6 - - @^= cGo 11,33,23,704 7,11,77,356

s_ sfof{no ;+rfng vr{ 1,62,41,973 99,76,987 v_ O{Gwg vr{ 1,13,32,813 84,92,212 u_ ;b:otf z"Ns 98,42,279 91,80,395 3_ aflx/L sd{rf/L vr{ 1,69,79,468 1,10,67,551 ª_ sf8{ sf/f]af/ rfh{ 1,73,52,921 89,66,462 r_ a}+s z'Ns tyf sld;g 50,62,564 21,26,853 5_ s/ tyf b/x? 48,01,275 33,06,418 h_ lgIf]k hdfgL vr{ 1,05,13,180 46,64,724 em_ dh{/ vr{ 40,65,972 - `_ cGo 1,71,31,259 1,33,95,754

hDdfhDdf 47,35,49,140 47,35,49,140 28,81,11,738 28,81,11,738

7575

cg';"rL $=@%

;Defljt gf]S;fgL Joj:yfldlt @)&@ >fj0f ! ut] b]lv @)&# cfiff9 #! ut] ;Ddsf]


!= shf{ gf]S;fgL Joj:yfdf ePsf] a[l4 57,63,23,341 9,70,73,735

@= nufgL gf]S;fgL Joj:yfdf ePsf] a[l4 - -

#= u}/ a}+lsË ;DklQ gf]S;fgL Joj:yf - -

$= cGo ;DklQdf ul/Psf] Joj:yf - -

hDdfhDdf 57,63,23,341 57,63,23,341 9,70,73,735 9,70,73,735

cg';"rL $=@^

u}/ ;+rfng cfDbfgL÷gf]S;fgldlt @)&@ >fj0f ! ut] b]lv @)&# cfiff9 #! ut] ;Ddsf]


!= nufgL ljqmLaf6 cfDbfgL÷-gf]S;fg_ 4,42,18,453 -

@= ;DklQ ljqmLaf6 cfDbfgL÷-gf]S;fg_ (28,20,074) 73,67,331

#= nfef+z 2,05,60,517 80,53,398

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

s= tf]lsPsf] zfvfx?sf] gf]S;fg jfkt Ifltk"lt{ - -

v= Jofh Ifltk"lt{ - -

u= ;6xL sfpG6/ - -

%= cGo (61,15,224) 19,31,650 s= jfxfn cfDbfgL 15,60,983 18,82,650

v= OG;f]/]G; bfjLdf cfGbfgL 1,37,794 49,000 u= u}/ a}+lsË ;DklQ lalqmdf gf]S;fg (78,14,000) - v"b u}/ ;+rfng cfDbfgL÷-gf]S;fg_v"b u}/ ;+rfng cfDbfgL÷-gf]S;fg_ 5,58,43,672 5,58,43,672 1,73,52,379 1,73,52,379

cg';"rL $=@&

;Defljt gf]S;fgL Joj:yfaf6 lkmtf{ldlt @)&@ >fj0f ! ut] b]lv @)&# cfiff9 #! ut] ;Ddsf]


!= shf{ gf]S;fgL Joj:yfaf6 lkmtf{ 60,34,20,906 4,19,73,510

@= u}/ a}+lsË ;DklQ gf]S;fgL Joj:yfaf6 lkmtf{ 4,48,14,000 -

#= nufgL Joj:yfaf6 lkmtf{ 18,44,318 -

$= cGo ;DklQsf] Joj:yfaf6 lkmtf{ - -

hDdfhDdf 65,00,79,224 65,00,79,224 4,19,73,510 4,19,73,510

gf]6 M nufgL Joj:yfaf6 lkmtf{ eGgfn] uflePsf ;+:yfx?af6 n]vfÎg ul/Psf nufgLx? h;df ;f] Joj:yf sfod ul/Psf lyP .


cg';"rL $=@*

c;fdfGo sf/f]af/x?af6 ePsf] cfDbfgL÷vr{ldlt @)&@ >fj0f ! ut] b]lv @)&# cfiff9 #! ut] ;Ddsf]

ljj/0fljj/0f o; jif{ ?=o; jif{ ?= ut jif{ ?=ut jif{ ?=!= ckn]vg ePsf] shf{sf] c;'nL 35,33,532 - @= :j]lR5s cjsfz vr{ - - #= c;'nL x'g g;Sg] shf{sf] ckn]vg -$=@* s_ (1,45,20,031) - $= cGo vr{÷cfDbfgL 44,471 - %= cGo ;DklQ ckn]vg - -

hDdfhDdf (1,09,42,028) (1,09,42,028) - -

cg';"rL $=@* -s_

ckn]lvt shf{sf] ljj/0fldlt @)&@ >fj0f ! ut] b]lv @)&# cfiff9 #! ut] ;Ddsf]

qm=;+=qm=;+= shf{ k|sf/shf{ k|sf/ckn]vg ckn]vg ul/Psf] /sdul/Psf] /sd

lwtf]sf] k|sf/ lwtf]sf] k|sf/ tyf /sdtyf /sd

lwtf]lwtf]d"Nofs+gsf] d"Nofs+gsf] cfwf/cfwf/

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

shf{ c;'nLsf shf{ c;'nLsf nflu eP÷u/]sfnflu eP÷u/]sfk|of;k|of;

s}lkmots}lkmot

!= rfn' k"FhL shf{ 1,07,24,489 xfOkf]lys];g df}Hbft d"Nofs+g

k|d'v sfo{sf/L cl3s[t kq k7fPsf], #% lbg] ;'rgf k|sflzt ul/Psf], d'2f bfo/ ul/Psf], C0fL, lgb]{zs tyf Joltut wghdfgLnfO{ sfnf];'rLdf btf{ u/fOPsf] .

@= jfxg shf{ 13,23,469 jfxg lan k|d'v sfo{sf/L cl3s[t

#= jfxg shf{ 10,26,455 jfxg lan Head-Business and Retail Banking

$= jfxg shf{ 14,45,618 jfxg lan Head-Business and Retail Banking

s"n shf{s"n shf{ 1,45,20,031 1,45,20,031

7777

7979

cg';"rL $=@(

;+rfns, sfo{sf/L k|d'v, ;+:yfks, sd{rf/L / z]o/xf]N8/x?nfO{ uPsf] shf{ ;fk6 ljj/0f-@)&# cfiff9 d;fGt_

v/Lb 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]lhË Ph]G6 ePsf] s'g} ;+:yf jf sDkgLnfO{ uPsf] /sdsf] ljj/0f b]xfo adf]lhd 5 .

;+:yfks÷;+rfns÷;+:yfks÷;+rfns÷

sfo{sf/L k|d'vsf] gfdsfo{sf/L k|d'vsf] gfd

ut jif{;Ddsf] af“sLut jif{;Ddsf] af“sL o; jif{ c;"nLo; jif{ c;"nL o; jif{ yk shf{o; jif{ yk shf{cfiff9 d;fGtcfiff9 d;fGt;Dd af“sL;Dd af“sL

;f“jf ;f“jf JofhJofh ;f“jf ;f“jf JofhJofh ;f“jf ;f“jf JofhJofh

-s_ ;+rfns

!=

@=

-v_ sfo{sf/L k|d'v

!=

@=

-u_ ;+:yfks

!=

@=

-3_ sd{rf/L

!=

@=

-ª_ z]o/wgLx?

!=

@=

hDdfhDdf - - - - - - - - - - - - - -


cg';"rL $=#) -s !_

k"“hLsf]if tflnsf@)&# ;fn cfiff9 #! ut] -h'nfO{ !%, @)!^_

?k}+of -?= xhf/df_

!=!_ hf]lvd efl/t ;DklQ!=!_ hf]lvd efl/t ;DklQ o; jif{o; jif{ ut jif{ut jif{s= shf{ hf]lvd 6,54,68,564 3,30,07,256 v= ;~rfng hf]lvd 29,04,790 13,16,540 u= ahf/ hf]lvd 7,37,320 5,43,280 hf]lvd efl/t ;DklQ 6,91,10,674 3,48,67,076 Pillar II cGt/utsf] ;dfof]hghf]8: ^=$ -s_ -!)_ cg';f/ kof{Kt ;"rgf k|jfx gu/]afkt hf]lvd efl/t ;DklQsf] # k|ltzthf]8: hDdf cfDbfgLsf] @∞ n] x'g] kfl/:kl/Stfsf] cfwf/df hf]lvd efl/t ;DklQdf a[l4 4,60,895 2,13,874 hf]8M g]kfn /fi6« a}+ssf] lgb]{zg cg'?k hf]lvd efl/t ;DklQsf] @ k|ltzt 13,82,213 6,97,342 s"n hf]lvd efl/t ;DklQ -pillar II cGt/utsf] ;dfof]hg kl5_ 7,09,53,782 3,57,78,292 !=@_ k"“hL!=@_ k"“hL o; jif{o; jif{ ut jif{ut jif{k|fylds k"“hL -tx !_ 66,29,696 31,63,615 s= r'Qmf k"“hL 44,86,924 24,00,000 v= Ol/l8d]jn gg\ So'Do'n]l6e lk|km/]G; z]o/ - - u= z]o/ lk|ldod 10,150 10,078 3= k|:tfljt af]g; z]o/ 10,31,712 3,32,365 ª= ;fwf/0f hu]8f sf]if 10,07,623 4,50,766 r= ;l~rt gfkmf÷-gf]S;fg_ ut cf=j= ;Ddsf] 22,195 9,523 5= rfn" cf=j= sf] gfkmf÷-gf]S;fg_ - - h= k"“hL lkmtf{ ;dfof]hg sf]if - - em= k"“hL ;dfof]hg sf]if 53,295 - `= nfef+z ;lds/0f sf]if - - 6= :yug s/ sf]if (65,319) 23,837 7= cGo :jtGq sf]ifx? 65,319 - 8= C0fkq e"QmfgL sf]if 1,27,797 37,046 36fpg] - - s= Voflt (Goodwill) jfktsf] /sdv= ckn]vg gul/Psf ljljw ;DklQ - - u= Ohfht k|fKt ;+:yfdf ul/Psf] z]o/ nufgL - - 3= ljQLo :jfy{ /x]sf] sDkgLdf /x]sf] nufgL (1,10,000) (1,00,000)ª= ;LdfeGbf a9L nufgL - - r= k|Tofe"lt (Underwriting) cGtu{t ul/Psf] nufgL - - 5= kfl/:kl/s qm; xf]lN8Ë - - h= ;LdfeGbf a9L 3/ hUuf vl/b - - em= cGo - - Pillar II cGt/utsf] ;dfof]hg - - 36fpg]: ^=$ -s_ -!_ cg';f/ ckof{Kt Joj:yf - - 36fpg]: ^=$ -s_ -@_ cGt/ut ;Dalwt kIfnfO{ tyf lgif]lwt If]qdf k|jflxt shf{ . ;'ljwf - - k'/s k"“hL -tx @_ 11,60,818 8,19,258 s= So'Do'n]l6e / l/l8d]jn lk|km/]G; z]o/ - - v= ;'/If0f g/flvPsf] ;xfos cfjlws C0f 4,00,000 5,00,000 u= xfOla|8 k"“hL pks/0fx? - - 3= c;n shf{ gf]S;fgL Joj:yf 7,04,674 2,86,426 ª= ;6xL ;dLs/0f sf]if 41,211 28,379 r= nufgL ;dfof]hg sf]if 14,933 4,453 5= ;DklQ k"gd"{Nof°g sf]if - - h= cGo sf]if - - s"n k"“hLsf]if -tx ! + tx @_ 77,90,514 39,82,873 !=#_ k"“hLsf]if cg'kft!=#_ k"“hLsf]if cg'kft o; jif{o; jif{ ut jif{ut jif{k|fylds k"“hL (Tier I)÷s"n hf]lvd efl/t ;DklQ 9.34 8.84k"“hLsf]if (Tier I tyf Tier II)÷s"n hf]lvd efl/t ;DklQ 10.98 11.13

8181

cg';

"rL $=#)-v

_

shf{ hf]lv

d@)&# ;

fn c

fiff9 #! ut

] -h'nfO{ !%, @)!^_

/sd

?=df

ljj/0f

ljj/0f

@)&@ c

fiff9 d

;fGt

@)&@ c

fiff9 d

;fGt

ut c

f=a=

ut c

f=a=

lstfaL d

"NolstfaL d

"Noljz]if

ljz]if

Joj:yf

Joj:yf

u0fgf ug

{ u0fgf ug

{ ;lsg]

;lsg]

CRM

v'b

v'b

/sd

/sd

hf]lv

d hf]lv

d efl/t

k|ltz

tefl/t

k|ltz

t

hf]lv

d hf]lv

d

efl/t

/sd

efl/t

/sd

v"b

/sd

v"b

/sd

hf]lv

d hf]lv

d

efl/t

/sd

efl/t

/sd

-s_

-s_

-v_

-v_

-u_

-u_

-3Ös–v

–u_

-3Ös–v

–u_

-ª_

-ª_

-rÖ3

-rÖ3

Xª_

ª_

jf;nftleqsf] sf/f]af/

gub

df}Hb

ft 1

4,9

1,15

2 -

-

1

4,9

1,15

2 0%

-

23,

66,3

6,57

4

-

g]kfn /fi6

« a}+sdf /x]s

f] df}Hb

ft 6

3,90

,585

-

-

63,

90,5

85

0% -

5

2,25

,57,

690

-

;'g

-

-

-

-

0% -

g]k

fn ;

/sf/sf] C0fkq

df u

l/Ps

f] nufgL

8,8

0,432

-

-

8

,80,

432

0%

-

1,5

9,82,

19,4

49

-

g]kfn ;

/sf/ p

k/sf] ;Dk"0f{ b

fjL

5,8

0,492

-

-

5

,80,

492

0%

-

12,

95,6

4,5

61

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-

-

0% -

-

-

g]k

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k/sf] ;Dk"0f{ b

fjL

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-

-

-

0% -

-

-

ljb]z

L ;/s

f/ t

yf s

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k/sf] bfjL (

ECA

ratin

g 0-

1) -

-

-

-

0%

-

-

-

ljb]z

L ;/s

f/ t

yf s

]Gb|Lo a

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k/sf] bfjL (

ECA

ratin

g -2

) -

-

-

-

20

% -

-

-

ljb]z

L ;/s

f/ t

yf s

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k/sf] bfjL (

ECA

ratin

g -3

) -

-

-

-

50

% -

-

-

ljb]z

L ;/s

f/ t

yf s]Gb|Lo a}+s p

k/sf] bfjL (

ECA

ratin

g 4-

6) -

-

-

-

10

0% -

-

-

ljb]z

L ;/s

f/ t

yf s

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k/sf] bfjL (

ECA

ratin

g -7

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-

-

-

15

0% -

-

-

BI

S, I

MF, E

CB,

EC / a

x'kILo

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pk/sf] bfjL

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-

-

-

0% -

-

-

cGo a

x'kIfLo ljs

f; a

}+sx?

pk/sf] bfjL

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-

-

-

100%

-

-

-

;fj{hlgs ;

+:yf pk/sf] bfjL (

ECA

ratin

g 0-

1) -

-

-

-

20

% -

-

-

;fj{hlgs ;

+:yf pk/sf] bfjL (

ECA

ratin

g -2

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-

-

-

50

% -

-

-

;fj{hlgs ;

+:yf pk/sf] bfjL (

ECA

ratin

g 3-

6) -

-

-

-

10

0% -

-

-

;fj{hlgs ;

+:yf pk/sf] bfjL (

ECA

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g -7

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-

-

-

15

0% -

2

,00,

00,0

00

3,0

0,00

,000

tf]lsPs

f] k"“h

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fod

ug]{ :jb

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pk/sf] bfjL

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40,

898

-

-

2

5,40,

898

20

% 5

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80

1,8

5,10

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79

37,

02,0

0,856

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f] k"“h

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gug]{

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85,

988

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-

85,

988

100%

85,

988

ljb]z

L a}+s

pk/sf] bfjL (

ECA

ratin

g 0-

1) 3

4,8

3,94

0 -

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3

4,8

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% 6

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788

24,9

3,24

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4

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4,8

24

ljb]z

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ratin

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350

-

-

1,0

7,35

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% 5

3,67

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1,36

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987

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68,1

8,9

94


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6) 4

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277

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4,8

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0% 4

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277

-

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ljb]z

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ECA

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-

-

15

0% -

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-

tf]lsPs

f] k"“h

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-

-

20%

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-

:jb]z

L ;+3 ;

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3,2

3,38

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-

3

,23,

38,3

12

100%

3,2

3,38

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4

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49,

41,

547

4,1

5,49,

41,

547

ljb]z

L ;+3 ;

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1) -

-

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-

20

% -

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-

ljb]z

L ;+3 ;

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k/sf] bfjL (

ECA

ratin

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07

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07

50%

1,3

4,3

53

-

-

ljb]z

L ;+3 ;

+:yfx? p

k/sf] bfjL (

ECA

ratin

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10

0% -

-

-

ljb]z

L ;+3 ;

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0 -

15

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ulat

ory

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34

75%

39,

38,1

26

27,

36,6

2,00

8

20,

52,4

6,50

6

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10

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60,

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10

60%

36,

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86

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4,2

5,50

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12

150%

30,

47,

268

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69,

084

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39,

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43,

431

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4,8

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11,

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27,

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cGo ;

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43

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17,

77,0

43

36,

89,

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36,

89,

76,0

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cg';"rL $=#) -3_

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ljj/0fljj/0f@)&@ cfiff9 d;fGtsf] clwNnf jif{x?@)&@ cfiff9 d;fGtsf] clwNnf jif{x? cf=j=cf=j=

2069/70 2069/70 2070/71 2070/71 2071/72 2071/72 2072/73 2072/73

v'b Jofh cfDbfgL 13,17,668 14,98,197 18,00,536 20,13,282

sldzg tyf l8:sfp06 76,127 1,09,909 1,38,797 1,97,616

cGo ;~rfng vr{ 1,78,190 1,91,110 2,00,299 2,18,106

;6xL 36a9 cfDbfgL 65,779 99,617 1,20,366 1,60,269

yk Jofh d'NtaL lx;fj 56,071 (87,553) 44,477 3,412

s"n cfDbfgL -s_ 16,93,834 18,11,280 23,04,474 25,92,685

tf]lsPsf] k|ltzt -v_ 15% 15% 15% 15%

s"n cfDbfgLsf] tf]lsPsf] k|ltztn] x'g] /sd -u_ = sXv 2,54,075 2,71,692 3,45,671 3,88,903

;~rfng hf]lvdsf] nflu cfjZos k"“hL -3_ = u sf] cf};t 2,90,479

hf]lvd ef/ u'0ff° (Reciprocal of Capital Requirement) -ª_ 10

;~rfng hf]lvdsf] nflu hf]lvd efl/t /sd -r_ = 3Xª 29,04,790

Pillar II cGt/utsf] ;dfof]hg

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hf]lvd ef/ u'0ff° (Reciprocal of Capital Requirement of 10%) -5_ 10

;~rfng hf]lvdsf] nflu hf]lvd efl/t /sd

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cg';"rL $=#) -ª_

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! ef/tLo ?k}+of (9,09,327) (14,55,605) 14,55,605 10,30,494

@ cd]l/sL 8n/ (41) (4,377) 4,377 42,997

# kfpG8 :6ln{Ë (4) (585) 585 692

$ :jL; k|mfGs (2) (186) 186 584

% o'/f] 11 1,260 1,260 143

^ hfkfgL o]g (1,260) (1,275) 1,275 530

& :jLl8; s|f]g/ (15) (196) 196 250

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( xªsË 8n/ (4) (49) 49 57

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!! l;+ufk'/ 8n/ (20) (1,582) 1,582 467

!@ sf]l/og jf]g (626) (59) 59 94

!# lb/fd (13) (385) 385 602

!$ dn]l;og l/+lu6 (76) (2,074) 2,074 3,953

!% yfO{ ef6 (3) (9) 9 212

!^ stf/L l/ofn (65) (1,910) 1,910 1,057

!& lrlgof o'cfg (14) (224) 224 518

!* Sofgfl8og 8n/ 2 180 180 173

!( ;fpbL c/a l/ofn (72) (2,053) 2,053 2,685

@) s'j]tL lbgf/ 1 182 182 43

@! ax/fOg lbgf/ - - - 17

v'b cj:yf -s_ 14,74,633 10,86,565

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hf]lvd ef/ u'0ff° (Reciprocal of Capital Requirement) -3_ -!))÷!)_ 10 10

ahf/ hf]lvdsf nflu hf]lvd efl/t /sd -ª_=(uX3_ 7,37,320 5,43,280


cg';"rL $=#!

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16hf]lvd efl/t ;DklQdf k"“hLsf]ifsf] kof{Kttf-s_ k|fylds k"“hL k|ltzt 13.95 10.42 9.91 8.84 9.34-v_ k'/s k"“hL k|ltzt 0.91 1.32 0.84 2.29 1.64-u_ s"n k"“hL sf]if k|ltzt 14.84 11.74 10.75 11.13 10.98

17 t/ntf (CRR) cg'kft 18.91 23.35 13.72 13.32 10.8118 lgis[o shf{÷s"n shf{ k|ltzt 2.45 1.80 0.55 0.42 1.8119 cfwf/ b/ k|ltzt 0.00 9.55 8.12 7.89 6.68

20Jofh b/ cGt/ (WeightedtAverage Interest Rate Spread)

k|ltzt 3.56 4.21 4.11 4.19 4.31

21 a's g]6jy{ ?=-xhf/df_ 22,66,860 24,24,080 28,12,950 32,96,447 68,61,160 22 s"n z]o/ ;+Vof -xhf/df_ 20,000 20,000 20,000 24,000 55,185 23 s"n sd{rf/L ;+Vof 218 269 322 357 75524 cGo - - - - -

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a}+ssf] ;+rfns ;ldltn] cfly{s jif{ @)&@–)&# sf] ljQLo ljj/0f @)&# sflQ{s )* ut]sf lbg kfl/t u/]sf] 5 / ;fy} cfufdL jflif{s ;fwf/0f ;efsf] :jLs[ltsf lgldQ l;kmfl/z ul/Psf] 5 .

@= k|d'v n]vf gLltx?sf] ;f/f+z

ljQLo ljj/0fx? tof/ kfbf{ cfwf/ dflgPsf ;j{dfGo n]vf gLltx? tn pNn]v ul/Psf 5g\ . cGoyf n]lvPsf]df afx]s oL gLltx?sf] kfngf lg/Gt/ ?kdf ul/Psf] 5 .

@=!_ n]vfsf] cg'kfng ;DaGwL k|lta4tf M

;+nUg ljQLo ljj/0fx? cGoyf pNn]v ePsf cj:yfx?df afx]s g]kfn n]vfdfg af]8{åf/f hf/L ul/Psf] n]vfgLlt ;fy}, a}+s tyf ljQLo ;+:yf ;DawL P]g @)^# sf Joj:yfx?, sDkgL P]g @)^# / g]kfn /fi6« a}+saf6 hf/L lgb]{zgx?sf] clwgdf /lx tof/ kfl/Psf 5g\ .

@=@_ ljQLo ljj/0fsf] pQ/bfloTj M

g]kfn n]vfdfg ! æljQLo ljj/0fsf] k|:t'tLs/0fÆ sf] cg'R5]b ^

cg';f/ a}+ssf] ljQLo ljj/0f tof/ kfg]{ pQ/bfloTj ;+rfns ;ldltdf lglxt /x]sf] 5 . ;+rfns ;ldltn] pQm pQ/bfloTjnfO{

:jLsf/ ub{5 .

@=#_ n]vf°gsf] cfwf/ M

;+rfns ;ldlt ljQLo ljj/0fx?sf] tof/L / plrt k|:t'ltk|lt

lhDd]jf/ 5 . ljQLo ljj/0fx? P]ltxfl;s nfutsf] cfwf/df tof/

kfl/Psf 5g\ . g]kfn n]vfdfg tyf n]vfsf ;j{dfGo l;4fGtx? cg'?k ljQLo ljj/0fx? tof/ kfbf{ s]xL cfjZos n]vf cg'dfgx? Ufg'{sf ;fy} ljleGg n]vf gLltx?sf] kfngf ug]{ qmddf Joj:yfkg kIfåf/f :jljj]s klg k|of]u ug'{kg]{ x'gfn] ;f]xL cg';f/ ul/Psf] 5 .

Joj:yfkg kIfn] ljQLo ljj/0f tof/ kfbf{ k|of]u ul/Psf] cg'dfg / :jljj]s plrt 5 eGg] ljZjf; u/]sf] 5 .

@=$_ Jofh cfDbfgL M

shf{ tyf ;fk6Ldf k|fKt x'g] Jofh cfonfO{ g]kfn /fi6« a}+ssf]

lgb]{lzsfg';f/ gub k|flKtsf] cfwf/df n]vf+sg ul/Psf] 5, h'g g]kfn n]vfdfg & cg'?k 5}g, h;n] cfDbfgLnfO{ k|f]befjL cfwf/

df n]vf+sg ug'{kg]{ u/L tf]s]sf] 5 . /fli6|o k|fylds If]q cGtu{t

s'g} kl/of]hgfnfO{ k|jfx ul/Psf] shf{ tyf ;fk6df ddf]/f6f]l/od cjlwdf kfs]sf] / k'lhs[t ul/Psf] Aofh g]kfn /fi6«

a}+ssf] k"j{l:js[tL k|fKt u/]/ cfDbfgL hgfO{Psf] 5 . nufgLaf6 cflh{t Jofh cfDbfgLnfO{ kfs]sf] cfwf/df n]vf+sg ul/Psf] 5 .

nufgLaf6 cflh{t Jofh cfDbfgLnfO{ k|f]befjL cfwf/df n]vf+sg ul/Psf] 5 .

@=%_ sldzg cfo M;Dk"0f{ sldzg cfDbfgL kfs]sf] cfwf/df n]vf°g ul/Psf] 5 . oBlk rfn' cfly{s jif{leq !@ dlxgfeGbf sd cjlwsf sf/f]jf/x?af6 k|fKt cfDbfgL jf ?= ! nfveGbf sd /sdsf] cfDbfgLnfO{ ;f]xL cfly{s jif{df cfDbfgLdf ;dfj]z ug]{ a}+ssf] gLlt /x]sf] 5 . ns/ tyf Pl6Pd\ z'Ns gub k|flKtsf] cfwf/df cfDbfgL aFfWg] ul/Psf] 5 .

shf{ tyf ;fk6Laf6 k|fKt ;]jf z'Ns cfDbfgLnfO{ shf{ k|bfg ubf{ avt cfDbfgL aFfWg] ul/Psf] 5 .

@=^_ nfef+z cfDbfgL Me'QmfgL k|fKt ug]{ clwsf/ :yflkt ePkl5 nfef+znfO{ cfDbfgLsf] ?kdf n]vf+sg ul/Psf] 5 eg] af]g; z]o/x?sf] k/n d"No oyfjt /fvL z]o/ ;+Vofdf dfq a[l4 ul/g] gLlt /x]s]f 5 .

@=&_ ljb]zL ljlgdo sf/f]jf/x? M ljb]zL d'2fdf /x]sf] ;DklQ Pj+ bfloTjx?nfO{ jiff{Gtdf /x]sf] ljBdfg v/Lb tyf ljqmLb/sf]] dWob/n] g]kfnL ?k}ofFdf ?kfGt/0f ul/Psf] 5 .

ljb]zL d'b|fsf] v/Lb b/ / laqmL b/sf] leGgtfaf6 k|fKt cfo b}lgs ?kdf u0fgf u/L ljb]zL d'b|fsf] k'g{d"Nof°gaf6 x'g] gfkmf–gf]S;fgnfO{ gfkmf–gf]S;fg lx;fasf] cg';"rL $=@@ cGtu{t æ;6lx 36a9 cfDbfgL÷gf]S;fgÆ zLif{sdf b]vfOPsf] 5 . o:tf] k'g{d"Nof°gaf6 ePsf] gfkmfsf] @%∞ /sd g]kfn /fi6« a}+ssf] lgb]{zfg';f/ gfkmf÷gf]S;fg afF8kmfF8 lx;fadf ;6xL 36a9 sf]ifdf ljlgof]lht ul/Psf] 5 .

ljleGg ljb]zL ljlgdosf] v/Lb tyf ljqmLaf6 ePsf] cfDbfgLnfO{ b}lgs ?kdf u0fgf u/L ;6xL 36a9 cfDbfgL cGtu{t v/Lb ljqmLaf6 x'g] gfkmfdf cg';"rL $=@@ df b]vfOPsf] 5 .

cg';"rL $=#@

9797

@=*_ Jofh vr{ MlgIf]k bfloTj tyf cGo a}+saf6 lnO{Psf] ;fk6Ldf ltg'{{kg]{ JofhnfO{ kfs]sf] cfwf/df n]vf+sg ul/Psf] 5 .

@=(_ shf{ ;fk6, clwljsif{ tyf lan vl/b Mo; zLif{s cGtu{t u|fxsnfO{ k|bfg ul/Psf k|ToIf shf{x? h:t} clwljsif{, cfjlws shf{, JolQmut shf{, xfo/ kr]{h tyf k|fylds Pj+ ljkGg ju{df k|jflxt shf{x? kb{5g\ . ;Dk"0f{ shf{ g]kfn /fi6« a}+ssf] lgb]{lzsf cg'?k juL{s/0f u/L g]kfn /fi6« a}+sn] tf]s] adf]lhd oy]i6 shf{ gf]S;fgL Joj:yf ul/Psf] 5 .

jf;nftdf shf{ ;fk6, clwljsif{ tyf lan vl/b /sdnfO{ shf{ gf]S;fgL Joj:yf ;dfof]hg kZrft\ k|:t't ul/Psf]] 5 .

@=!)_ sd{rf/L shf{ Ma}+ssf] sd{rf/L lgodfjnL cg'?k lbO{Psf] shf{nfO{ g]kfn /fi6« a}+ssf] lgb]{zg cg';f/ æcGo ;DklQx?Æ zLif{scGt{ut sd{rf/L ;fk6L / k]ZsL zLif{sdf b]vfOPsf] 5 .

@=!!_ c;"n ug{ afFsL Jofh Mc;"n ug{ afFsL JofhcGtu{t k|To]s lbgsf] cGTodf c;"nL x'g afFsL shf{ tyf nufgLdf b}lgs ?kdf cflh{t x'g] Aofh kb{5g\ .

shf{ tyf ;fk6af6 cflh{t t/ c;"n ug{ afFsL JofhhfO{ g]kfn /fi6« a}+ssf] lgb]{zg cg';f/ k"/f /sdaf6 Aofh d'NtjL /sd 36fO{ b]vfO{Psf] 5 .

kl/of]hgf shf{ cGtu{t kl/of]hgfsf] lgdf{0f cjlwdf cflh{t t/ c;"n ug{ afFsL JofhnfO{ C0fL;+usf] s/f/ adf]lhd shf{df k'lhs[t ul/Psf] 5 .

nufgLaf6 e'QmfgL ug{ afFsL JofhnfO{ k"/f /sddf b]vfO{Psf] 5 .

@=!@_ shf{ gf]S;fgL Joj:yf Mg]kfn /fi6« a}+ssf] lgb]{lzsfsf] cfwf/df shf{, ;fk6, clwljsif{ tyf lan vl/bnfO{ juL{s/0f u/L !∞ b]lv !)) ∞ ;Dd ;Defljt shf{ gf]S;fgL Joj:yf sfod ul/Psf] 5 . g]kfn /fi6« a}+ssf] dfu{ lgb]{lzsf cg';f/ ug'{kg]{ Go"gtd Joj:yf afx]s Joj:yfkgn] plrt cfwf/df cltl/Qm gf]S;fgL Joj:yfx? klg ul/Psf] 5 .

@=!#_ shf{ ckn]vg Mshf{ ;DaGwL ckn]vg g]kfn /fi6« a}+ssf] lgb]{zfg';f/ tyf a}+s shf{ ckn]vg gLlt cg';f/ n]vfËsg ul/Psf] 5 .

@=!$_ nufgL ;DaGwL gLlt Ma}+sn]] nufgLx?nfO{ Jofkfl/s nufgL (Held For Trading), ljqmLsf] nflu pknAw nufgL (Available for Sale) tyf e'QmfgL ldlt;Dd wf/0f ug]{ nufgL (Held in Maturity) u/L u/L tLg lzif{sdf b]vfOPsf] 5 .

-s_ Jofkfl/s nufgL (Held for Trading): cNksfndf d"Nodf x'g] kl/jt{gaf6 gfkmf cfh{g ug]{ p2]Zon] ul/Psf nufgL tyf nufgL kf]6{kmf]lnof]df /x]sf Ps} k|s[ltsf ;DklQdf ePsf] nufgL o; ju{df kb{5g\ . o:tf nufgLnfO{ ahf/b/ cg'?k b}lgs?kdf d"Nof°g ug]{ (Marked to Market on Daily Basis) / d"Nodf x'g]

leGgtfnfO{ gfkmf÷gf]S;fg lx;fj vftfdf b]vfpg' kg]{5 .

-v_ e'QmfgL ldlt;Dd wf/0f ug]{ nufgL (Held to Maturity): e'QmfgL ldlt;Dd wf/0f ug{];sf/fTds dg;fo (Positive Intent) / e'QmfgL ldlt;Dd wf/0f ug{ ;Sg] Ifdtf (Ability to Hold till Maturity) eO{ ul/Psf] nufgL o; ju{df kb{5 . e'QmfgL ldlt;Dd wf/0f ug]{ nufgL (Held to Maturity) nfO{ ckn]lvt nfut (Amortised

Cost) df d"Nof°g ug'{ kb{5 . d'No x|f; -Impairment_ gfkmf÷gf]S;fg lx;fj vftfdf b]vfOG5 . 6«]h/L lan / C0fkqdf ltl/Psf] lk|ldod / kfO{Psf] l8:sfpG6nfO{ z'?jftdf nufgL /sddf ;dfj]z ul/ ;f] kZrft\ k|fKt ul/Psf] Aofhdf ;dfof]hg ul/G5 .

-u_ ljqmLsf] nflu pknAw nufgL (Available for Sale): Jofkfl/s nufgL (Held for Trading) / e'QmfgL ldlt;Dd wf/0f ug]{ nufgL (Held to Maturity) cGtu{t gkg]{ ;Dk"0f{ nufgLnfO{ o; ju{df /fVg] . o:tf nufgLnfO{ ahf/b/ cg'?k lgoldt ?kdf d"Nof°g (Marked to Market on Regular Basis) u/L leGgtfnfO{ hu]8f (Reserves) dfkm{t ;dfof]hg (Adjust) ug'{ kb{5 . ;+:yfx?n] ljqmLsf] nflu pknAw nufgL kf]6{kmf]lnof] (Available for Sale

Portfolio) sf] @∞ ;Ddsf] /sd k'/s k'FhL (Supplementary or

Tier 2 Capital) df u0fgf x'g] nufgL ;dfof]hg sf]if (Investment

Adjustment Reserve) v8f u/L /fVg' kg]{5 .

g]kfn /fi6« a}+ssf] lgb]{zg cg';f/ nufgLdf @ k|ltztsf b/n] nufgL ;dfof]hg hu]8f ;[hgf u/]sf] 5 . ;a} nufgLx? g]kfn /fi6« a}+ssf] lgb]{zg cg';f/ lgoldt k'g/fjnf]sg ug]{ ul/Psf] 5 .

@=!%_ l:y/ ;DklQ tyf x|f;s§L M-s_ l:y/ ;DklQnfO{ P]ltxfl;s nfut cjwf/0ffsf] cfwf/df ;+lrt x|f; s§f kZrft b]vfOPsf] 5 .

-v_ l:y/ ;DklQsf] cg'dflgt pkof]lutf cjlwnfO{ cfwf/dfgL Straight line basis sf] cfwf/df gfkmf gf]S;fg lx;fadf n]vf+sg ul/Psf] 5 . hUufsf] x|f;s§L gul/Psf] tyf ljleGg ju{sf ;DklQdf lgDglnlvt cjlw÷b/df x|f;s§L ug]{ ul/Psf] 5 .

;DklQ;DklQcg'dflgt cg'dflgt

pkof]lutf cjlwpkof]lutf cjlwx|f;s§L b/x|f;s§L b/

ejg $) aif{ @=%∞sfof{no ;+rfng pks/0f & aif{ !$=@*∞sDKo'6/ % aif{ @)∞kmlg{r/ & aif{ !$=@*∞;jf/L ;fwg %÷& aif{ @)∞÷!$=@*∞

cb[io ;DklQ

;DklQsf]lglZrt÷cg'dflgt

pkof]lutfsf] cjlwdf

-u_ k§fdf lnOPsf] ;DklQdf ul/Psf] vr{nfO{ k/n d"Nodf n]vf+sg ul/ k§fsf cjlwdf ckn]vg x'g] u/L kl/;f]wg gLlt ckgfOPsf] 5 .

-3_ cb[io ;DklQnfO{ k'lhs[t ul/ cg'dflgt÷lglZrt cjlw el/ ckn]vg ul/Psf] 5 .


-ª_ ljqmL jf lg;u{ ul/Psf] l:y/ ;DklQsf] x|f;s§L, ;f] ;DklQ laqmL jf lg;u{ ePsf] ldlt;Dd n]vf+sg ul/Psf] 5 .

-r_ ;km6\j]o/ nfut tyf cGo cb[Zo ;DklQnfO{ To:tf ;DklQsf] cg'dflgt÷lglZrt cjlw e/df kl/zf]wg ug]{ ul/Psf] 5 . o:tf nfutnfO{ l:y/ ;DklQ cGt{ut cg';"rL $=!$ "cGo" df b]vfOPsf] 5 .

-5_ ?=!),)))÷– ;Dd d"No kg]{ ;DklQx?nfO{ k"+hLs[t gu/L v/Lb ul/Ps} jif{df vr{ hgfOPsf] 5 .

@=!^_ cjsfz sf]if Ma}+sn] cfkm\gf :yfoL sd{rf/Lx?sf] nfuL ;]jfaf6 cjsfz k|fKt ubf{sf] cj:yfdf lgDg lnlvt cjsfz ;'ljwfsf] Joj:yf u/]sf] 5 .

-s_ ;+ro sf]if M:yfoL sd{rf/Lx?af6 ;dofjlws of]ubfgsf] cfwf/df ;+ro sf]ifsf] Joj:yf u/]sf] 5 . sd{rf/L ;+rosf]ifdf of]ubfg ul/Psf] ;dodf g} vr{ hgfOPsf] 5 . pQm sf]if a}+seGbf leGg ;+:yf xf] .

-v_ pkbfg sf]if M g]kfn n]vfdfgsf] k|fjwfg cg';f/ :jtGq PSr'c/Ln] u/]sf] d'Nofª\sg cg';f/ pkbfgsf] Joj:yf ul/Psf] 5 . sd{rf/Lx?n] ;]jfaf6 cjsfz k|fKt ubf{ sd{rf/L ;]jf zt{ tyf ;'ljwf ;DaGwL ljlgdodfjnL] cg';f/ pkbfgsf] lx;fa u/]/ sd{rf/LnfO{ pkbfg e'QmfgL ul/G5 .

-u_ ;+lrt labf Mg]kfn n]vfdfgsf] k|fjwfg cg';f/ :jtGq PSr'c/Ln] u/]sf] d'Nofª\sg cg';f/ la/fdL labf jfktsf] Joj:yf ul/Psf] 5 . sd{rf/Lx?n] ;]jfaf6 cjsfz k|fKt ubf{ sd{rf/L ;]jf zt{ tyf ;'ljwf ;DaGwL ljlgdodfjnL] cg';f/ ;+lrt la/fdL labfsf] lx;fa u/]/ sd{rf/LnfO{ e'QmfgL ul/G5 .

@=!&_ cfos/ M-s_ rfn" cfos/ M

s+DkgLsf] cfos/ P]g, @)%* / ;f]df ;do ;dodf ePsf] ;+zf]wgsf] cfwf/df cfos/ Joj:yf ul/Psf] 5 .

-v_ :yug cfos/ M

ljlQo ljj/0fdf ;Dklt / bfloTjsf] d'No / ;f]sf] s/ d'Nodf x'g] c:yfoL km/sdf k|rlnt s/sf] b/ k|of]u ul/ cfpg] /sdnfO{ :yug s/ eg]/ hgfOG5 . :yug cfos/ jf;n;tsf] ldltdf k|rlnt s/sf] b/ k|of]u ul/ lgwf{/0f ul/G5 / :yug cfos/ ;DklQ k|fKt ubf{ cyjf :yug cfos/ bfloTj km5{of]6 ubf{ pkof]u ug{ ;lsG5 . :yug ul/Psf] s/ ;DklQnfO{ eljiodf kof{Kt s/of]Uo cfo l;lh{t eO{ pQm s/of]Uo cfodf ;dfof]hg ug{ ;lsG5 eGg]df Jofjxfl/s ?kn] ;'lglZrttf geP;Dd :yug s/ ;DklQnfO{ n]vf°g ul/b}g . z'?sf] df}Hbftdf /x]sf] c:yfoL km/s;+u ;DalGwt :yug s/ OSjL6Ldf ;dfof]hg ul/G5 / To; kZrft\ kl5Nnf] jif{x?df cfpg] km/sx? gfkmf÷gf]S;fg lx;fa vftfdf :yug cfo jf gf]S;fgL;+u hgfOG5 .

g]kfn /fi6« a}+ssf] lgb]{lzsf adf]lhd :yug s/ ;DklQ / bfloTjnfO{ Ps csf{df ldnfg u/L v'b /sdnfO{ cGo ;DklQx? cyjf cGo bfloTjx? cGt{ut k|:t't ul/Psf] 5 .

@=!*_ :6]zg/L Mvl/b ul/Psf :6]zg/L df}HbftnfO{ nfut d"Nosf] cfwf/df n]vf+sg u/L pkof]u ul/Psf] ;dodf vr{ hgfOPsf] 5 .

@=!(_ u}/ a}+lsË ;DklQ Mu}/ a}+lsË ;DklQnfO{ g]kfn /fi6« a}+ssf] lgb]{zg cg';f/ n]vf+sg ul/Psf] 5 .

@=@)_ Joj:Yff, ;+efljt bfloTj tyf ;+efljt ;DklQMljutsf s'g} 36gfsf] sf/0f jt{dfg bfloTj ;[hgf eO{ a}+ssf] ;|f]tsf] k|jfx x'g] ;Defjgf ePdf / ;f] bfloTj /sdsf] plrt cg'dfg ug{ ;lsPdf a}+sn] Joj:yf ub{5 . ;+efljt afWotf jf jt{dfg bfloTj -h;af6 ;Dejt a}+ssf] ;|f]tsf] k|jfx x'b}g_ sf] nfuL a}+sn] ;+efljt bfloTjsf] k|s6g ub{5 . ;+efljt bfloTj jf jt{dfg bfloTj h;af6 a}+ssf] ;|f]tsf] k|jfx x'g] ;Defjgf Go"g /x]df a}+sn] Joj:yf jf k|s6 ug]{5}g .

;+efljt ;DklQnfO{ ljlQo ljj/0fdf b]vfOPsf] 5}g oBkL logLx?nfO{ ;do ;dodf lgwf{/0f ul/G5 / cfly{s nfe x'g] lglZrt x'g] v08df h'g cf= j= df ;f] kl/jt{g ePsf] xf] ;f] cf= j= df ;Dklt / ;DalGwt cfosf] n]vfª\sg ul/G5 .

8]l/e]l6e s/f/;+u ;DalGwt bfloTjnfO{ ;Defljt bfloTj lzif{s cGtu{t kmjf{8 PS;r]Gh sG6«\ofS6sf] bfloTj pklzif{sdf k|:t't ul/Psf] 5 . o; cGtu{t kmjf{8 /]6 Plu|d]G6sf] ;fFjf klg ;dfj]z ul/Psf] 5 .

@=@!_ jf;nft ldlt kl5sf 36gfx? MJff;nftsf] ldlt / ljlQo ljj/0f hf/L ug{ l:js[t ePsf] ldltsf] aLrdf 36]sf cg's'n jf k|lts"n 36gfx?nfO{ jf;nftsf] ldltkl5sf] w6gf elgG5 .

Jf;nftsf] ldlt / ljlQo ljj/0f hf/L ug{ l:js[t ePsf] ldltsf] aLrdf 36]sf ;f/e't / cy{k"0f{ 36gfx?sf] ljQLo ljj/0fdf plrt ;dfof]hg / n]vf ;DaGwL l6Kk0fLx?df plrt k|s6g ul/Psf] 5 .

#= lgs6td ?k}+ofF tyf k'gj{lu{s/0fljQLo ljj/0fx?nfO{ g]kfnL ?k}ofFdf k|:t't ul/Psf] 5 . c∙x?nfO{ lgs6td ?k}ofFdf kl/0ft u/L b]vfOg'sf] ;fy} ut jif{sf] s]xL c+sx? t'ngf ug{ ;lhnf]sf nflu cfjZostf cg';f/ jlu{s/0f jf k'gj{lu{s/0f ul/Psf] 5 . ut jif{sf] /sd x?df ;a} uflePsf] ;+:yfx?sf] geO} PgPdjL a}+ssf] cfly{s jif{ @)&!÷&@ sf] /sd dfq ;dfj]z ul/Psf] 5 .

9999

cg';"rL $=##

n]vf ;DaGwL l6Kk0fLx?ldlt @)&@ >fj0f ! ut] b]lv @)&# cfiff9 #! ut] ;Dd

!= Jofh cfDbfgL tyf Jofh d'NtjL\\Mg]kfn /fi6« a}+ssf] lgb]{lzsf d'tfljs #! cfiff9 @)&# ;Dd shf{ tyf ;fk6df c;"n ug{ afFsL JofhnfO{ Jofh d'NtjL lx;fadf ;dfof]hg ul/Psf] 5 . h;nfO{ $=!^ cGtu{t æcGo ;DklQÆ lzif{s cGt{ut b]vfO{Psf] 5 .

@= sd{rf/L af]g;Mshf{ gf]S;fgL Joj:yf kl5 tyf cfos/ Joj:yf ug'{ cl3sf] d'gfkmfdf af]g; vr{ ;d]t ;dfj]z u/L cfPsf] !) k|ltztsf] lx;fan] x'g cfpg] /sd sd{rf/L af]g; jfkt Joj:yf ul/Psf] 5 .

#= sd{rf/L cfjf; of]hgf sf]ifMa}+sdf u/]sf] ;]jfsf] cfwf/df sd{rf/Lx?sf] nflu >d P]g @)$* adf]lhd sd{rf/L cfjf; of]hgf sf]ifsf] v8f ul/Psf] 5}g .

$= ;fwf/0f hu]8f sf]ifMa}}+s tyf ljlQo ;+:yf ;DalGw P]g, @)^# sf] Joj:yf adf]lhd k|:t't jif{sf] v"b gfkmfsf] @) k|ltzt /sd gfkmf gf]S;fg afF8kmfF8 lx;faaf6 ljlgof]hg u/L ;fwf/0f hu]8fdf ;fl/Psf] 5 .

%= ;6xL 36a9 sf]ifMg]kfn /fi6« a}+ssf] lgb]{zfg';f/ ljb]zL d'b|fsf] ljlgdo b/df ePsf] km/saf6 ePsf] gfkmfsf] @% k|ltztn] x'g] /sd ?= 1,04,17,464 ægfkmf gf]S;fg afF8kmfF8 lx;faÆ af6 /sdfGt/ u/L æ;6xL 36a9 sf]ifÆ df ;fl/Psf] 5 .

^= nufgL ;dfof]hg sf]ifMg]kfn /fi6« a}+ssf] lgb]{lzsf adf]lhd laqmLsf] nflu pknAw nufgLsf] @% /sd tyf ;LOl8la xfO8f]{ km08df ul/Psf] nufgLsf] !))∞ u/L hDdf ?= 1,49,32,675 nufgL ;dfof]hg sf]ifdf ljlgof]hg u/]sf] 5 . g]kfn Sn]l/Ë xfp; (Nepal Clearing House) tyf shf{ ;"rgf s]Gb| lnld6]8df ePsf] nufgLdf nufgL ;dfof]hg sf]if v8f ul/Psf] 5}g .

ljj/0fljj/0f nufgLnufgL Joj:yf k|ltztJoj:yf k|ltzt Joj:yf /sd ?=Joj:yf /sd ?=

nufgL ;dfof]hg sf]if v8f ug{ gkg]{ 43,87,000 0∞ –nufgL ;dfof]hg sf]if !)) k|ltzt v8f ug{'kg]{ 1,00,00,000 100∞ 1,00,00,000nufgL ;dfof]hg sf]if @ k|ltzt v8f ug{'kg]{ 24,66,33,749 2∞ 49,32,675hDdfhDdf 26,10,20,74926,10,20,749 1,49,32,6751,49,32,675

&= :yfug s/ sf]if MufFlePsf ;+:yfx?af6 :yug s/ sf]ifdf ?= @),*$,^%,%%( tflgPsf] 5 . g]=/f=a}+= sf] lgb]{lzsf cg';f/ cfly{s jif{sf] :yfug s/ vr{nfO{{ :yfug s/ sf]ifaf6 ;+lrt d'gfkmfdf ;fl/Psf] 5 . o; jif{df ?= !^,^(,*#,%^* a/fa/sf] /sd ;fl/Psf] 5 .

*= C0fkq e'QmfgL sf]if Mæ&∞ PgPgla C0fkq @)&&Æ sf] ljj/0fkqn] dfu u/] adf]lhd o; jif{ ?= (,)&,%),*&) j/fj/sf] /sd C0fkq e'QmfgL sf]ifdf yk ul/Psf] 5 . jf;nft ldtLdf C0fkq e'QmfgL sf]ifdf ?= !@,&&,(&,!!^ a/fa/sf] /sd /xsf] 5 .

(= k|:tfljt nfef+; Mcfiff9 #!, @)&# df ;dfKt ePsf] cfly{s jif{sf nflu ;+rfns ;ldltn] !(∞ af]g; z]o/ tyf !∞ gub nfef+z -s/ k|of]hgsf nflu_ l;kmfl/z u/]sf] 5 . ;f] sf] :jLs[tL cfufdL jflif{s ;fwf/0f ;efaf6 x'g]5 .


!)= cfos/ M

-s_ cfos/ d'sbdf M 7"nf s/bftf sfof{non] hf/L u/]sf] ljleGg cfly{s jif{sf] ;+;f]lwt s/ lgwf{/0f cfb]zsf] la?4 a}+sn] >L ;jf]{Rj cbfntdf, >L /fhZj Gofoflws/0fdf tyf >L cfGtl/s /fh:j ljefudf ph'/L bfo/ u/]sf] 5 .

oL ph'/Lx?sf] ;f/ tn tflnsfdf k|:t't ul/Psf] 5 .

PgPdla a}+s lnld6]8 -dh{ cufl8_PgPdla a}+s lnld6]8 -dh{ cufl8_

cfly{s jif{cfly{s jif{ ljj/0fljj/0f ljjflbt s/ /sd ?=ljjflbt s/ /sd ?=

cf=j= @)^#÷)^$@)&).!!.!% df >L ;jf]{Rr cbfntdf ph'/L bfo/ u/]sf] /clGtd lg0f{o x'g afFsL /x]sf]

1,81,91,784

cf=j= @)^$÷)^%@)^(.)*.!@ df >L /fhZj Gofoflws/0fdf ph'/L bfo/ u/]sf] /

clGtd lg0f{o x'g afFsL /x]sf]1,62,02,412

cf=j= @)^^÷)^&@)&).)^.!@ df >L cfGtl/s /fhZj sfof{nodf k|zfzsLok'g/fjnf]sgsf] nfuL ph'/L bfo/ u/]sf] / clGtd lg0f{o x'g afFsL /x]sf]

2,26,13,221

cf=j= @)^&÷)^*@)&!.!@.)# df cfGtl/s /fhZj sfof{nodf k|zfzsLo k'g/fjnf]sgsf] nfuL ph'/L bfo/ u/]sf] / clGtd lg0f{o x'g afFsL /x]sf]

64,49,185

cf=j= @)^*÷)^(>L cfGtl/s /fhZj ljefusf] k|sfzlsodf ldlt @)&#=)!=#) ut] k"g/fjnf]sgsf] nflu lgj]bg lbOPsf] 5 tyf ;f]sf] lg0f{o x'g afFsL 5 .

58,91,178

hDdfhDdf 6,93,47,7806,93,47,780

;fljs lSng OghL{ 8]ef]Nkd]06 a}+s lnld6]8;fljs lSng OghL{ 8]ef]Nkd]06 a}+s lnld6]8

cf=j= @)^%÷)^^@)&).)^.)^ df cfGtl/s /fhZj sfof{nodf k|zfzsLo k'g/fjnf]sgsf] nfuL ph'/L bfo/ u/]sf] / clGtd lg0f{o x'g afFsL /x]sf]

15,05,630

cf=j= @)^^÷)^&@)&!.)*.@# df cfGtl/s /fhZj sfof{nodf k|zfzsLo k'g/fjnf]sgsf] nfuL ph'/L

bfo/ u/]sf] / clGtd lg0f{o x'g afFsL /x]sf]1,45,95,261

cf=j= @)^&÷)^*@)&@.)%.)( df cfGtl/s /fhZj sfof{nodf k|zfzsLo k'g/fjnf]sgsf] nfuL ph'/L bfo/ u/]sf] / clGtd lg0f{o x'g afFsL /x]sf]

57,00,050

cf=j= @)^*÷)^(@)&#.)!.)( df cfGtl/s /fhZj sfof{nodf k|zfzsLo k'g/fjnf]sgsf] nfuL ph'/L bfo/ u/]sf] / clGtd lg0f{o x'g afFsL /x]sf]

30,40,090

hDdfhDdf 2,48,41,0312,48,41,031

;fljs k|'8]G;Lon kmfOgf; lnld6]8;fljs k|'8]G;Lon kmfOgf; lnld6]8

cf=j= @)^%÷)^^@)&).)&.@( df cfGtl/s /fhZj sfof{nodf k|zfzsLo k'g/fjnf]sgsf] nfuL ph'/L

bfo/ u/]sf] / clGtd lg0f{o x'g afFsL /x]sf]56,59,272

hDdfhDdf 56,59,27256,59,272

s"n hDdfs"n hDdf 9,98,48,0859,98,48,085

clGtd lg0f{o x'g afFsL /x]sf] x'gfn] s"n ljjflbt s/ /sd ?= (,(*,$*,)*%÷– cg';"rL $=!& df cfos/ jfkt ;Defljt bfloTj lzif{sdf b]vfO{Psf] 5 .

-v_ cfos/ lgwf{/0f

cf=a= @)^(÷&) / To;kl5sf] s/ lgwf{/0fsf] cfb]z k|fKt ug{ afFsL 5 .

101101

!!= cu|Ld cfos/ Ma}+sn] lt/]sf] cu|Ld cfos/nfO{ cfos/ Joj:yf;Fu ;dfof]hg ul/Psf] 5 h;nfO{ $=!^ cGtu{t æcGo ;DklQÆ lzif{s cGt{ut b]vfO{Psf] 5 .

ljj/0fljj/0f /sd -?=_/sd -?=_ut jif{sf] clu|d cfos/sf] df}Hbft ;f/]sf] 14,09,68,348 ;fljs lSng OghL{ 8]ef]Nkd]06 a}+s lnld6]8af6 tflgPsf] cu|Ld cfos/ 3,88,23,965 ;fljs e[s'6L 8]ef]Nkd]06 a}+s lnld6]8af6 tflgPsf] cu|Ld cfos/ 43,90,545 ;fljs kflye/f lasf;a}+s lnld6]8af6 tflgPsf] cu|Ld cfos/ 5,42,637 ;fljs k|'8]G;Lon kmfOgf; lnld6]8af6 tflgPsf] cu|Ld cfos/ 53,05,300 cu|Ld cfos/ cf= j= @)&@÷&# sf] ls:tf 27,00,00,000 cf= j= @)&@÷&# df e'QmfgLdf s§L ul/Psf] s/ 66,04,816 Go"g M @)&@÷&# sf] cfos/ bfloTj -31,38,40,105_cg';"rL $=!^ df k|:t't ul/Psf] cu|Ld cfos/ 15,27,95,506

!@= sd{rf/L pkbfg Joj:yf Ma}+sn] o; cfly{s jif{df pkbfgsf] PSr'c/Lon d'Nofª\sg u/]sf] 5 / PSr'c/Laf6 k|fKt k|ltj]bgsf] cfwf/df a}+sn] ?= $,@^,^(,$#$÷– sf] pkbfg jfkt yk Joj:yf u/]sf] 5 . a}+sn] cf= j= @)&@.&# sf] d;fGtdf x'g cfPsf] ;Dk"0f{ pkbfg bfloTj ?= $,^@,)%,(@*÷– gful/s nufgL sf]if -l:js[t cjsfz sf]if_ df hDdf u/]sf] 5 .

!#= sd{rf/L lj/fdL ljbf Joj:yf M

o; jif{ a}+sn] la/fdL labf jfkt cjsfz k|fKt u/]sf] of]Uo sd{rf/Lx?nfO{ ?= $@,&%,@(^÷– gub e'QmfgL u/]sf] 5 .

a}+sn] o; cfly{s jif{df la/fdL labf bfloTjsf] PSr'c/Lon d'Nofª\sg u/]sf] 5 / PSr'c/Laf6 k|fKt k|ltj]bgsf] cfwf/df a}+sn] ?=

#,@*,@#,(#@÷– sf] la/fdL labf bfloTj jfkt yk Joj:yf u/]sf] 5 . a}+sn] cf= j= @)&@.&# sf] d;fGtdf x'g cfPsf] la/fdL labf bfloTj ?= %,^),$!,!!@÷– jf;nftsf] cg';'rL $=& -cGo bfloTj_ df b]vfOPsf] 5 .

!$= cljt/Lt nfef+z Mcf=j= @)&@÷&# sf] cGTo ;Dddf % jif{ b]lv ljt/0f gePsf]] nfef+z /sd ?= #,#(,^%,^)(÷– /x]sf] 5 / s"n cljt/Lt nfef+z ?= #,$),!#,#%(÷– /x]sf] 5 .

cf=j= @)^(.&) sf] ;Dk"0f{ ltg{'kg]{ nfef+z a}+ssf] z]o/ /lh:6«f/, PgPdla Soflk6n lnld6]8, sf] vftfdf ;fl/Psf] 5 . jf;nftsf] ldltdf cf=j= @)^(.&) sf] ltg{'kg]{ nfef+z ?= *$,(),*&@÷– /x]sf] 5 .

!%= r'Qmf k"FhL MljleGg jif{x?df a}+ssf] r"Qmf k"FhLdf lgDglnlvt kl/jt{gx? ePsf 5g\ M

cfly{s jif{x?cfly{s jif{x? r"Qmf k"FhL ?=r"Qmf k"FhL ?= s}lkmots}lkmot@))^÷)& -@)^#÷^$ lj=;+=_ !(,(%,$),^))÷– #)∞ af]g; z]o/ hf/L@))&÷)* -@)^$÷^% lj=;+=_ !,)),)),)),)))÷– !M$ xsk|b z]o/ hf/L@))*÷)( -@)^%÷^^ lj=;+=_ !,$@,$^,$!,#%)÷– !)∞ af]g; z]o/ tyf #)∞ xsk|b z]o/ hfl/

@))(÷!) -@)^^÷^& lj=;+_ !,^%,!^,%),)))÷–

cf=j= @))*.)( sf] laqmL gePsf] %#,%*^=%) lsQf xsk|b z]o/ lnnfd

a9fa9df laqmL ul/Psf] tyf &,!%,))) lsQf ;fwf/0f z]o/sf] yk gofF

lgisfzg ul/Psf] . z]o/ lk|ldodsf] n]vf+sg ;d]t ul/Psf] 5 .

@)!)÷!! -@)^&÷^* lj=;+_ @,)),)),)),)))÷–!)M@!=)(! xsk|b z]o/ tyf ljlqm gePsf] pQm xsk|bz]o/x? lnnfd a9fa9df laqmL ul/Psf

@)!#÷!$ -@)&)÷&! lj=;+_ @,$),)),)),)))÷– @)∞ af]g; z]o/ hf/L

@)!%÷!^ -@)&@÷&# lj=;+_ $,!%,$%,%(,#@)÷– uflePsf ;+:yfsf z]o/ wgLx?nfO{ k|bfg ul/Psf] z]o/

@)!%÷!^ -@)&@÷&# lj=;+_ $,$*,^(,@$,)^^÷– *∞ af]g; z]o/ hf/L


@)&@ ;fn sflt{s ! ut] b]lv lSng OghL{ lasf; a}+s lnld6]8, e[s'6L lasf; a}+s lnld6]8, kflye/f lasf; a}+s lnld6]8 / k|'8]G;Lon kmfOgfG; lnld6]8 PgPdla a}+s lnld6]8;Fu uleP/ ;+o'Qm ?kdf PgPdla a}+s lnld6]8 gfddf sf/f]af/ ;'? u/]sf 5g\ . ;a}

ljQLo ;+:yfx?sf z]o/ k"FhLsf] dh{ cufl8 tyf k5f8Lsf] cj:Yff lgDg tflnsfdf k|:t't ul/Psf] 5 M

ljQLo ;+:yf gfdljQLo ;+:yf gfd z]o/ k"FhL -dh{ cufl8_z]o/ k"FhL -dh{ cufl8_ z]o/ cg'kftz]o/ cg'kft z]o/ k"FhL dh{ -k5f8L_z]o/ k"FhL dh{ -k5f8L_

PgPdla a}+s lnld6]8 2,40,00,00,000 100∞ 2,40,00,00,000

e[s'6L 8]ef]Nkd]06 a}+s lnld6]8 52,12,48,500 87∞ 45,34,86,195

kflye/f lasf; a}+s lnld6]8 14,14,50,000 81∞ 11,45,74,500

lSng OghL{ 8]ef]Nkd]06 a}+s lnld6]8 1,25,99,12,500 75∞ 94,49,34,375

k|'8]G;Lon kmfOgf; lnld6]8 48,31,28,500 50∞ 24,15,64,250

hDdfhDdf 4,80,57,39,5004,80,57,39,500 4,15,45,59,3204,15,45,59,320

Zf]o/ cg'kftdf ;dGjo u/]kl5sf] ?= ^%,!!,*),!*) -?= $,*),%&,#(,%)) – ?= $,!%,$%,%(,#@)_ nfO{ sf]ifsf] ?kdf clen]v u/LPsf] 5 / ;f]nfO{ k"FhLut ;dfof]hg sf]if -Swap Surplus_ df b]vfO{Psf] 5 .

!^= C0fkqM

a}+sn] kmfNu'g ^, @)&! Dff ?= %) s/f]8sf] ckl/jt{gLo æ&∞ PgPdla C0fkq @)&&Æ hf/L u/]sf] 5 . k"0f{tof laqmL ePsf] C0fkqsf]

Dofb % jif{ ^ dlxgfsf] /x]sf] 5 .

!&= :yug s/M;DklQ tyf bfloTjdf cfiff9 #!, @)&# -!^÷)&÷@)!^_ df b]lvPsf c:yfoL cGt/x?sf] ljj/0f lgDglnlvt 5g\ M

ljj/0fljj/0fljQLo ljj/0f ljQLo ljj/0f

cg';f/cg';f/

cfos/cfos/

P]g cg';f/P]g cg';f/

:yug s/ :yug s/

bfloTj÷;DklQbfloTj÷;DklQkm/s -?=_km/s -?=_

l:y/ ;DklQ 47,55,81,934 49,63,58,761 :yug s/ bfloTj 2,07,76,827

lj/fdL ljbf 5,60,41,112 – :yug s/ ;DklQ 5,60,41,112

nufgL Joj:yf 2,43,461 – :yug s/ ;DklQ 2,43,461

u}/ a}+lsË ;Dklt Joj:yf 6,99,68,627 – :yug s/ ;DklQ 6,99,68,627

cGo ;DklQsf] Joj:yf 55,44,336 – :yug s/ ;DklQ 55,44,336

ufFlePsf ;+:yfx?af6 tflgPsf gf]S;fg – 6,51,55,145 :yug s/ ;DklQ 6,51,55,145

v'b c:yfoL cGt/ :yug s/ ;DklQ 21,77,29,508

:yug s/ bfloTj #)∞ -#! cfiff9 @)&#_ 6,53,18,853

:yug s/ ;DklQsf] z'?sf] df}Hbft 23,23,02,421

o; jif{df ePsf] v'b kl/jt{g -16,69,83,568_

Gffkmf gf]S;fg lx;fadf n]vf+sg ul/Psf] -16,69,83,568_

:yug s/ -;DklQ_÷bfloTjnfO{ g]kfn n]vfdfg -PgPP;–(_ cg';f/ n]vf°g ul/Psf] 5 .

103103

!*= k§fdf lnOPsf] ;Dklt ljj/0fljj/0fljj/0f /sd -?=_/sd -?=_k/n d'No M ut jif{sf] df}Hbft 9,85,74,153 uflePsf ;+:yfx?sf] vftfaf6 ;fl/Psf] 4,76,73,175 o; jif{sf] yk -uflePsf ;+:yfx? ;lxt_ 1,02,31,640 o; jif{ lg;u{ ul/Psf] –o; jif{ ckn]vg ul/Psf] -1,36,14,966_s"n d'Nos"n d'No 14,28,64,002 14,28,64,002 x|f; M ut jif{;Dd 4,13,97,135 uflePsf ;+:yfx?sf] vftfaf6 ;fl/Psf] 3,19,77,187 o; jif{sf] x|f; 1,38,25,313 x|f; ;dfof]hg÷k'gn]{vg÷ckn]vg -75,49,406_s"n x|f;s"n x|f; 7,96,73,170 7,96,73,170 k§fdf lnOPsf] ;Dkltsf] lstfaL d'No 6,31,90,832

!(= shf{ ckn]vg Ma}+sn] ?= !,$%,@),)#! a/fa/sf] shf{ tyf ;fkl6 cGtu{t ckn]vg u/]sf] 5 / ;f]nfO{ cg';"rL $=@* -s_df k|:t't u/]sf] 5 .

@)= cGo ;DklQ ckn]vg Ma}+sn] o; cf=j= df s'g} klg cGo ;DklQ ckn]vg u/]sf] 5}g .

@!= k|d'v Joj:yfkgsf sd{rf/LnfO{ k|bfg ul/Psf] kfl/>lds ljj/0f M

s|=;=s|=;= ljj/0fljj/0f /sd -?=_/sd -?=_

! cNksfnLg sd{rf/L ;'ljwf 4,58,12,872

@ eljiodf k|bfg ul/g] sd{rf/L ;'ljwf gePsf]

# cGo bL3{sfnLg ;'ljwf gePsf]

$ ;]jf cjlw ;dfKt ePkl5 lbO{g] sd{rf/L ;'ljwf gePsf]

% z]o/ e'QmfgL gePsf]

k|d'v Joj:yfkgsf sd{rf/LnfO{ k|bfg ul/Psf] s"n kfl/>ldsk|d'v Joj:yfkgsf sd{rf/LnfO{ k|bfg ul/Psf] s"n kfl/>lds 4,58,12,872 4,58,12,872

cGo hfgsf/L Mk|d'v Joj:yfkgsf sd{rf/Ln] a}+ssf] sfo{sf/L ;ldltsf] ;b:ox?nfO{ hgfFp5 . k|d'v Joj:yfkgsf sd{rf/LnfO{ lgDglnlvt ;'ljwfx? Kf|bfg ul/Psf] 5 M

s_ a}+ssf] sd{rf/L ;]jf zt{ ty ;'ljwf ;DaGwL ljlgdodfjnL cg';f/ k|fKt ug]{ ;'ljwfx? .v_ af]g; P]g cg';f/ k|fKt ug]{ af]g; .u_ a}+ssf] sd{rf/L ;]jf zt{ tyf ;'ljwf ;DaGwL ljlgdodfjnL cg';f/ k|fKt ug]{ ;jf/L ;fwg eQf .

k|d'v Joj:yfkgsf sd{rf/Lx?df lgDg kbflwsf/Lx? ;dfj]z x'g'x'G5 .

>L pk]Gb| kf}8]n L pk]Gb| kf}8]n – k|d'v sfo{sf/L clws[t k|d'v sfo{sf/L clws[t>L ;'lgn s]=;L= – gfoj k|d'v sfo{sf/L clws[t>L ;'lgn s]=;L= – gfoj k|d'v sfo{sf/L clws[t>L k|bLk k|wfg – k|d'v ;"rgf clws[t>L k|bLk k|wfg – k|d'v ;"rgf clws[t>L ljho lu/L – k|d'v, tflnd tyf ;]jf k|efjsf/Ltf lgl/If0f >L ljho lu/L – k|d'v, tflnd tyf ;]jf k|efjsf/Ltf lgl/If0f >L zjgd lnDa' hf]zL – k|d'v, dfgj ;+zfwg tyf ;fdfGo k|zf;g>L zjgd lnDa' hf]zL – k|d'v, dfgj ;+zfwg tyf ;fdfGo k|zf;g>L ;/b t]lu t'nfw/ – k|d'v hf]lvd clws[t>L ;/b t]lu t'nfw/ – k|d'v hf]lvd clws[t

>L k|df]b s'df/ bfxfn – k|d'v, cg'kfng tyf sDkgL ;lrj>L k|df]b s'df/ bfxfn – k|d'v, cg'kfng tyf sDkgL ;lrj


a}+ssf] ;+rfnns ;ldltnfO{ a}7s eQf afkt ?= !(,($,)))÷– k|bfg ul/Psf] 5 . kf}if $, @)&) df a}+ssf] !*cf} jflif{s ;fwf/0f ;efsf] l:js[tL adf]lhd ut jif{b]lv ;+rfns ;ldltsf] ;b:ox?nfO{ 6]lnkmf]g, klqsf / df]afOn vr{sf] nfuL dfl;s eQf ?= *,)))÷– k|bfg ul/Psf] 5 . o; cf= j= df ;+rfns ;ldltsf] ;b:ox?nfO{ dfl;s eQf k|bfg ul/Psf] hDdf /sd ?= *,@$,)))÷– /x]sf] 5 .

@@= lx;fa ldnfg cj:yf a}+ssf] cGo zfvf gePsf] tyf cGt/ a}+s lx;fa ldnfg lgDgfg'zf/ /x]sf] 5 M

/sd -?=_

ljj/0fljj/0f ! jif{ ! jif{ ! jif{ ! jif{ # jif{ # jif{ # jif{ # jif{ hDDff /sd -?=_hDDff /sd -?=_

Ph]G;L lx;fa @%,*),!^,$)^÷– #,$^,(),&^#÷– *@,)$,)%*÷– #),)(,!!,@@&÷–

cGt/ zfvf — — — —

@#= shf{ k|jfx, c;"nL tyf ckn]vgsf] ;f/f+za}+sn] jif{el/df ljt/0f, c;"nL / ckn]vg ul/Psf] shf{sf] ljj/0f lgDgfg'zf/ /x]sf] 5 M /sd -?=_

z'?sf] df}Hbftz'?sf] df}Hbft shf{ ljt/0fshf{ ljt/0f shf{ c;"nLshf{ c;"nL shf{ ckn]vgshf{ ckn]vg clGtd df}HbftclGtd df}Hbft

27,66,02,82,490÷– 2,24,06,80,63,268÷– 1,97,25,44,14,742÷– 1,45,20,031÷– 54,45,94,10,985÷–

@$= lgIf]k bfloTjdf ePsf kl/jt{gsf] ljj/0flgIf]k bfloTjdf ePsf kl/jt{gsf] ljj/0f lgDgfg'zf/ /x]sf] 5 M

/sd-?=_

lj/j0flj/j0f cf=j= @)&@÷@)&#cf=j= @)&@÷@)&# cf=j= @)&!÷@)&@cf=j= @)&!÷@)&@ a[[l4÷-sdL_a[[l4÷-sdL_

jrt lgIf]k 1,86,187,25,873÷– 7,82,77,79,637÷– 10,79,09,46,236÷–

d'2lt lgIf]k 26,97,51,43,670÷– 11,19,62,30,671÷– 15,77,89,12,999÷–

dfu]sf] jvtdf ltg'kg]{ lx;fa 14,45,75,19,784÷– 14,35,47,54,097÷– 10,27,65,687÷–

rNtL lx;fa 2,66,97,61,217÷– 1,45,76,15,709÷– 1,21,21,45,508÷–

dflh{g lgIf]k 2,06,03,13,078÷– 1,88,65,37,540÷– 1,737,75,538÷–

hDdfhDdf 64,78,14,63,622÷– 64,78,14,63,622÷– 36,72,29,17,654÷– 36,72,29,17,654÷– 28,05,85,45,968÷– 28,05,85,45,968÷–

@%= lgIf]k / shf{sf] efl/t cf};t Jofh b/sf] cGt/

ljj/0fljj/0f k|ltztk|ltztshf{sf] cf};t Jofh b/ *=#)lgIf]ksf] cf};t Jofh b/ #=((cGt/ $=#!

@^= Aofhsf] kF"hLs/0fg]kfn /fi6« a}+sn] /fli6|o k|fylds If]q cGtu{tsf] shf{ eg]/ l:js[t u/]sf] P3f/j6f kl/of]hgfnfO{ k|jfx ul/Psf] shf{ tyf ;fk6df kfs]sf] AofhnfO{ k'Flhs[t ul/ ?= !%,*^,)@,(@*÷– o; cf= j= df Aofh cfDbfgL hgfO{Psf] 5 .

e"sDk÷gfsfaGbL lkl8tsf] /fxtsf] nflu g]kfn /fi6« a}+sn] ldlt @)&@÷)(÷#) hf/L u/]sf] lgb{]zg cg';f/ ?=$,)(,@%,$(*÷– a/fa/sf] /sd kF"hLs/0f ul/Psf] 5 . g]kfn /fi6« a}+ssf] lgb{]zgnfO{ kfngf u/L ;f]xL a/fa/sf] /sdnfO{ k"FhL ;dfof]hg sf]ifdf o; jif{sf] gfkmfaf6 af8Fkmf8F u/L ;fl/Psf] 5 .

qm=;=qm=;= ljj/0fljj/0f Aofhsf] kF"hLs/0f /sdAofhsf] kF"hLs/0f /sd

! cf=j= @)&@÷&# hDdf Aofhsf] kF"hLs/0f 15,86,02,928÷–

@ Aofhsf] kF"hLs/0f e"sDk÷gfsfaGbL lkl8t 4,09,25,498÷–

# k"FhL ;dfof]hg sf]ifdf ;fl/Psf] 4,09,25,498 ÷–

105105

@&= ;6lx 36a9 cfDbfgLa}+sn] ?= !^,)@,^*,^&#÷– ;6lx 36a9 cfDbfgL sdfPsf] 5 h;dWo] ?= &,*@,%(,^))÷– cfDbfgL gg\ 8]lne/]an kmjf{8{ s/f/sf] sf/f]jf/af6 pTkGg ul/Psf] xf] .

@*= ;xfos sDkgLdf nufgLa}+sn] ?= !) s/f]8sf] nufgLaf6 PgPdla Soflk6n lnld6]8 gfds ;xfos sDkgLdf k"0f{ :jfldTj wf/0f u/]sf] 5 . ;xfos sDkgLn] lwtf] af]8{af6 Ohfht kq k|fKt ul/ !& ;]K6]Da/ @)!) af6 Jofkfl/s ;+rfng z'? u/]sf] xf] . o; nufgLnfO{ g]kfn /fi6« a}+ssf] lgb]{zg adf]lhd æljqmLsf] nflu pknAwÆ ;d'xdf juL{s/0f ul/Psf] 5 .

a}+ssf] csf]{ ;xfos sDkgL PgPdla dfOqmf]kmfOgf; ljQLo ;+:yf lnld6]8df %!∞ z]o/ :jfldTj /x]sf] 5 . a}+ssf] ;f] sDkgLdf

?= @=)$ s/f]8sf] nufgL /x]sf] 5 . o; ;xfos sDkgL ;~rfng ug{ sDkgLn] g]kfn /fi6« a}+saf6 æ3Æ ju{sf] ljlQo ;+:yfsf] Ohfht kq k|fKt ul/ !$ dfr{ @)!$ af6 x]Dhf, sf:sL, g]kfndf cfkm\gf] Jofkfl/s ;+rfng z'? u/]sf] xf] . o; nufgLnfO{ g]kfn /fi6« a}+ssf]

lgb]{zg adf]lhd æljqmLsf] nflu pknAwÆ ;d'xdf juL{s/0f ul/Psf] 5 .

@(= shf{ tyf ;fk6df Aofh d'NtjLjf;nftsf] ldltdf shf{ tyf ;fk6df kfs]sf] t/ k|fKt gePsf] Aofh /sd Aofh d'NtjL vftfdf ;fl/Psf] 5 / cg';'rL $=!^ df k|s6g ul/Psf] 5 . g]kfn /fi6« a}+ssf] lgb]{zg / kl/kqn] a}+s tyf ljlQo ;+:yfx?nfO{ cfly{s jif{sf] cGtdf kfs]sf] t/ k|fKt gePsf] Aofh cfly{s jif{ ;dfKt ePsf] tLg dlxgfleq c;'n ePdf Aofh cfDbfgL afFWg cg'dlt lbPsf] 5 . a}+sn] tL Aofh d'NtjL /sdnfO{ Aofh cfDbfgL hgfPsf] 5}g .


#)= e'QmfgL cjlwsf] cfwf/df ;DklQ bfloTjsf] juL{s/0f M c+s bz nfv ?k}ofFdf

ljj/0fljj/0f! b]lv! b]lv (! b]lv(! b]lv !*! b]lv!*! b]lv @&! lbg@&! lbg ! jif{! jif{

hDdfhDdf() lbg() lbg !*) lbg!*) lbg @&) lbg@&) lbg b]lv ! jif{b]lv ! jif{ dflydfly

s_ ;DklQs_ ;DklQ

! gub df}Hbft 1,491.15 – – – – 1,491.15

@ a}+s df}Hbft 9,247.21 – – – – 9,247.21

# ljb]zL a}+sdf ul/Psf] nufgL 1,074.20 430.07 53.68 982.25 – 2,540.20

$ sn dgL – – – – – –

% >L g]kfn ;/sf/sf] C0fkq 534.38 198.09 147.77 – 3,521.29 4,401.52

^ g]kfn /fi6« a}+ssf] a08;\ – – – – – –

& cGt/ a}+s shf{ 1,301.63 – – – – 1,301.63

* shf{ ;fk6 tyf lan vl/b 15,017.40 8,611.47 5,017.23 2,133.58 23,679.74 54,459.41

( Kffpg' kg]{ Aofh 40.93 – – – – 40.93

!) l/e{; l/kf] – – – – – –

!! k|ltj4tf cGt{ut cGo ;+:yfx?af6 k|fKt x'g] – – – – – –

!@ qm=;+= @), @! / @@ sf ;'ljwfx?sf] e'QmfgL – – – – – –

!# cGo – – – – – –

s'n ;DklQ 28,706.89 9,239.63 5,218.67 3,115.83 27,201.03 73,482.05

v_ bfloTjv_ bfloTj

!$ rNtL lgIf]k 4,730.07 – – – – 4,730.07

!% art lgIf]k-dfu]sf] jvtdf kfO{g] lgIf]k ;lxt_ 15,620.78 465.47 698.62 5.47 15,825.92 33,076.25

!^ d'2tL lgIf]k 7,356.60 3,438.69 3,265.99 10,518.49 2,395.37 26,975.14

!& C0fkqx? – – – – 500.00 500.00

!* ;fk6L – 1,377.30 – – 110.69 1,487.99

!( Dffu÷cNk ;"rgf – – – – – –

@) cGt/ a}+s÷ljlQo ;+:yf – – – – 110.69 110.69

@! k'g/ shf{ – 1,377.30 – – – 1,377.30

@@ cGo – – – – – –

@# cGo bfloTj tyf Joj:yfx? 252.03 – – – 58.11 310.14

@$ ;08«L s|l86;{ 13.98 – – – – 13.98

@% E'fQmfgL lbg' kg]{ aLn 23.86 – – – – 23.86

@^ e'QmfgL lbg' kg]{ Aofh 195.42 – – – – 195.42

@& Joj:yfx? 18.77 – – – 58.11 76.87

@* cGo – – – – – –

@( k|ltj4tf cGt{ut cGo ;+:yfx?nfO{ lbg'kg]{ 603.43 37.38 – – – 640.81

#) pkef]u eO{g;s]sf] :jLs[lt ;'ljwfx? 2,760.26 – – – – 2,760.26

#! k|lttkq÷hdfgt -v"b_ 10,843.46 2,793.20 472.90 1,914.03 5,685.67 21,709.26

#@ l/kf] – – – – – –

## qmd ;+Vof !! cGt{utsf] ;'ljwf e'QmfgL – – – – – –

#$ cGo – – – – – –

s'n bfloTjs'n bfloTj 42,166.64 42,166.64 8,112.04 8,112.04 4,437.50 4,437.50 12,897.98 12,897.98 24,575.76 24,575.76 92,189.92 92,189.92

v'b ljQLo ;DklQv'b ljQLo ;DklQ -13,459.74_ -13,459.74_ 1,127.59 1,127.59 781.16 781.16 -9,782.16_ -9,782.16_ 2,625.27 2,625.27 -18,707.87_ -18,707.87_

;+lrt v'b ljQLo ;DklQ;+lrt v'b ljQLo ;DklQ -13,459.74_ -13,459.74_ -12,332.15_ -12,332.15_ -11,550.99_ -11,550.99_ -21,333.14_ -21,333.14_ -18,707.87_ -18,707.87_ – –

107107

#!= clws]lGb|t hf]lvdsf] ;f+/fz M /sd -?=_

ljj/0fljj/0f shf{, ;fk6L tyf laN;shf{, ;fk6L tyf laN; lgIf]klgIf]k cfsl:dscfsl:ds

#! cfiff9 @)&# df s"n /sd 54,45,94,10,985 64,78,14,63,622 22,42,80,43,470

Ps OsfO{df ePsf] pRrtd PS:kf]h/ 91,30,28,549 4,62,42,71,993 4,27,44,69,930

Ps OsfO{df ePsf] pRrtd PS:kf]hsf] k|ltzt 1.68∞ 7.14∞ 19.06∞

#@= a}+sn] cfkm\gf] ;DklQsf] hdfgLdf lnPsf] shf{cfkm\gf] ;DklQsf] hdfgLdf a}+sn] s'g} C0f lnPsf] 5}g .

##= s"n u}¥x a}+lsË ;DklQsf] ljj/0f /sd-?=_

o; jif{ -s"n_o; jif{ -s"n_ ut jif{ -s"n_ut jif{ -s"n_

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

u}/ a}+lsË ;DklQsf] ljj/0f cg';'rL $=!% df k|:t't ul/Psf] 5 .

#$= ax'd"No wft'sf] sf/f]af/ cfk"lt{stf{ ;Fu ePsf] Joj:yf cg'?k a}+sn] cfk"lt{stf{sf] tkm{af6 df}Hbft /flv consignment basis df ax'd"No wft'sf] -;'g, rfFbL_ sf/f]af/ ug]{ u/]sf] 5 . jf;nftsf] ldltdf hDdf consignment sf] d"No ?= @,!!,*%,@!&÷– /x]sf] 5 / cg';'rL $=!^ df æ;'g dfs{ ckÆ lzif{sdf b]vfOPsf] 5 . g]kfn /fi6« a}+ssf] lgb]{zg cg';f/ ax'd"No wft'sf] -;'g, rfFbL_ sf/f]af/ ug]{ u/]sf] 5 .

jf;nftsf] ldltdf ;'gsf] sf/f]jf/sf] nfuL k|bfg ul/Psf] k]ZsL ?= @^*,&)^,^%&÷– /x]sf] 5 . o; /sdnfO{ cg';"rL $=!^ df æclu|d e'QmfgLÆ lzif{sdf b]vfOPsf] .

#%= k"FhLut lgdf{0fo; cfly{s jif{sf] cGtdf s'g} klg k"FhLut lgdf{0f /x]sf] 5}g .

#^= jf;nftsf] ldltkl5sf] w6gfjf;nftsf] ldlt kZrft\ ;dfof]hg cyjf ljlQo ljj/0fdf k|s6g ul/g' kg]{ s'g} klg kl/j]z l;h{gf ePsf] 5}g .

#&= ;DalGwt ;d"x af/] hfgsf/L

-s_ ;xfos sDkgL PgPdla Soflk6n lnld6]8 tyf PgPdla dfOqmf]kmfOgfG; sDkgL;Fusf] sf/f]af/

cfiff9 d;fGt @)&# df PgPdla Soflk6n lnld6]8 tyf PgPdla dfOqmf]kmfOgfG; sDkgL;Fusf] df}Hbft /sdx? o; k|sf/ 5g\ M

?= bz nfvdf

ljj/0fljj/0f /sd/sd

PgPdla Soflk6n lnld6]8sf] sn, rNtL tyf d'2lt lgIf]k @(=$&

PgPdla dfOqmf]kmfOgf; sDkgLsf] sn, rNtL tyf d'2lt lgIf]k #=@$

PgPdla Soflk6n lnld6]8nfO{ lbg afFsL @))=))


o; jif{ PgPdla Soflk6n lnld6]8nfO{ ul/Psf] e'QmfgL / PgPdla Soflk6n lnld6]8af6 k|fKt e'QmfgLx? o; k|sf/ 5g\ M

?= bz nfvdf

;xfos sDkgLnfO{ ;xfos sDkgLnfO{ k|bfg ul/Psf] ;]jfsf] k|bfg ul/Psf] ;]jfsf] lsl;dlsl;d

ljj/0fljj/0f

PgPdla Soflk6n PgPdla Soflk6n lnld6]8lnld6]8

PgPdla dfOqmf]PgPdla dfOqmf]kmfOgf; sDkgLkmfOgf; sDkgL

a}+ssf] a}+ssf] cfDbfgLcfDbfgL

a}+ssf] a}+ssf] vr{vr{

a}+ssf] a}+ssf] cfDbfgLcfDbfgL

a}+ssf] a}+ssf] vr{vr{

;]jf z'NsPgPdla a}+s tyf PgPdla Soflk6n lnld6]8 Joj:yfkg ;]jf s/f/ jfktsf] e'QmfgL

@=$) – – –

sfof{no :yfg efF8fPgPdla Soflk6n lnld6]8n] sfof{no :yfg k§fdf lnPsf]

!=$$ – – –

sn, rNtL tyf

d'2lt lgIf]k

PgPdla Soflk6n lnld6]8sf] sn, rNtL tyf d'2lt

lgIf]kdf k|bfg ul/Psf] Aofh vr{ – #=@^ – –

C0f tyf ;fk6L PgPdla dfOqmf]kmfOgf; sDkgLsf] C0fdf Jofh cfDbfgL – – %=(@ –

z]o/ /lhi6«f/ PgPdla a}+ssf] z]o/ /lhi6«f/ sfo{ afktsf] e'QmfgL – !=)^ – –

nfef+z cfDbfgL cf= j= @)&!÷&@ sf] nfef+z e'QmfgL @!=)% – – –

u|'ksf] ljlQo ljj/0fsf] k|:t'tLdf u|'kleqsf] sf/f]jf/x? ;dfj]z ul/Psf] 5}g .

-v_ k|d'v Joj:yfkg kbflwsf/Lx?nfO{ k|bfg ul/Psf] ;'ljwfM

s/f]af/s/f]af/ ljj/0fljj/0f cf=j= @)&@÷@)&#cf=j= @)&@÷@)&# cf=j= @)&!÷@)&@cf=j= @)&!÷@)&@

k|d'v sfo{sf/L clws[t cNksfnLg sd{rf/L ;'ljwf !,$^,@#,($% !,#(,)$,($^

k|d'v sfo{sf/L clws[t z]o/df cfwfl/t e'QmfgL -nfef+z_ – –

cGo k|d'v Joj:yfkg kbflwsf/Lx? cNksfnLg sd{rf/L ;'ljwf #,!!,**,(@& @,^!,&(,($)

cGo k|d'v Joj:yfkg kbflwsf/Lx? z]o/df cfwfl/t e'QmfgL -nfef+z_ – –

cGo k|d'v Joj:yfkg kbflwsf/Lx? ;]jf cjlw ;dfKt ePkl5 lbO{g] sd{rf/L ;'ljwf – !&,*#,%!(

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

-u_ k|d'v Joj:yfkg kbflwsf/Lx?sf] s/s6\6L / s"n e'QmfgLsf] ljj/0fM

sf/f]af/sf/f]af/ ljj/0fljj/0f cf=j= @)&@÷@)&#cf=j= @)&@÷@)&# cf=j= @)&!÷@)&@cf=j= @)&!÷@)&@

k|d'v sfo{sf/L clws[t

;Dk"0f{ ;'ljwfx? ;lxtsf] s"n cfo

s"n cfodf s/ s6\6L s/ s6\6L kl5sf] v'b e'QmfgL

!,$^,@#,($%

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

!,#(,)$,($

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

cGo k|d'v Joj:yfkg kbflwsf/Lx?

;Dk"0f{ ;'ljwfx? ;lxtsf] s"n cfo

s"n cfodf s/ s6\6Ls/ s6\6L kl5sf] v'b e'QmfgL

#,!!,**,(@&

*@,!),$*)@,@(,&*,$$&

@,&(,^#,$%(

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

109109

a}+ssf] ldlt @)&# ;fn kf}if dlxgf @$ ut] cfOtjf/ -tb\g';f/ hgj/L *, @)!&_ df a;]sf]

@!cf}+ aflif{s ;fwf/0f ;efdf laz]if k|:tfjsf] ?kdf k]z ePsf] k|aGwkq tkm{sf] ;+zf]wg .

bkmf pkbkmf

bkmf pkbkmf

;fljs Joj:yf

;fljs Joj:yf

k|:tfljt Aoj:yf

k|:tfljt Aoj:yf

;+zf]wgs

f] cf}lrTo

;+zf]wgs

f] cf}lrTo

bkmf ^-s_

a}+ssf]

clws[t

k"FhL

?=*,)),)),)),))).–

-cIf]/]lk cf7 c

/j d

fq_ x'g

]5 . ;

f] k"Fh

LnfO{ k|ltz]

o/ ?

=!)).–

b/sf *,)),)),)))

-cf7 s

/f]8 d

fq_

yfg ;

fwf/0f z

]o/df lje

fhg

ul/Psf] 5 .

a}+ssf] clws[t

k"FhL ?=!),)),)),)),))).–

-cIf]/]lk

bz

c/a d

fq_ x'g

]5 . ;

f] k"Fh

LnfO{ k

|lt z

]o/ ?

=!)).–

b/sf !),)),)),))) -bz

s/f]8 d

fq_ yfg ;

fwf/0f z

]o/df lje

fhg

ul/Psf] 5 .

a}+ssf]

clws[t

k"FhL

a[l4 ul/

;f]sf]

kl/lwleq

a}+s

sf]

hf/L

tyf

r'Qmf

k"FhL

a[l4 ub

}{ n}hfg'

kg]{ e

Psfn] .

bkmf ^-v_

a}+ssf]

tTsfn

hf/L

ug]{

z]o/

k"Fh

L ?=%,$#,)),^@,$^%.^) -cIf]/]lk

kfFr c

/a q

LrfnL;

s/f]8 af;7\7

L xh

f/ rf/ ;o

k}+;7\7

L /

;f7\7L

k};f dfq_ x'g

]5 . ;

f] kF"h

LnfO{ k|ltz]o/

?=!)).– b/

sf

%,$#,)),^@$=^% -kfFr s/f]8 qLrfnL; nfv

5 ;o

rf}aL; bz

dnj

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z]o/

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ul/Psf] 5 .

a}+ssf] tTsfn h

f/L ug

]{ z]o/

k"FhL ?=^,$^,!&,&$,##$.)^

-cIf]/]lk 5 c

/a 5

ofnL; s

/f]8 ;

q n

fv r

f}xQ/ xh

f/

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k};f 5 dfq_ x'g

]5 . ;f] kF"h

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k|ltz

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b/sf ^,$^,!&,&$#=#$ -5 s/f]8

5ofnL; n

fv ;

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k"FhL a[l4 u

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bkmf ^-u_

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k"FhL

?=%,$#,)),^@,$^%.^) -cIf]/]lk

kfFr c

/a q

LrfnL;

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a}+ssf]

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5 c

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5 k};

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k"FhL a[l4 u

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f] cg'k

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gf]6

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er p

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issu

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a}+ssf] hf/L ty

f r'Qmf

k"FhL a[l4

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NMB Annual Report nepali 2073 - NMB Bank Nepal · #_ jflif{s ;fwf/0f ;efdf efu lng] k|To]s z]o/wgL...

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Transcript of NMB Annual Report nepali 2073 - NMB Bank Nepal · #_ jflif{s ;fwf/0f ;efdf efu lng] k|To]s z]o/wgL...