2009 jkv annual report

8/6/2019 2009 JKV Annual Report

1/16

Nkk}nc Zmvezx

Igp`nc Wmnz :667

HETK XE MNZXBAnlgkd Pmkpgjgcgxw# Pxwcm ) P}pxngknjgcgxw Ygccndm J}pgkmpp


2/16

zmh}`gkd xbm ~}ncgxw ei xbepm pmzyg`mp#

hegkd pe te}ch amnk xbnx tm xbe}dbx

xbm aekmw tnp aepx gavezxnkx+ Gk zm!

ncgxw# xbm aekmw gp o}px n amnkp xe nk

mkh+ Vzeyghgkd ~}ncgxw pmzyg`m xe echmz

nh}cxp gp tbw tm nzm bmzm+

Tgxb xbepm vzevmz vzgezgxgmp gk agkh#

G lkmt xbnx xz}m p}``mpp èamp izea

ankw agkhp tezlgkd xedmxbmz nkh xz}mcmnhmzpbgv gkyecymp pxmvvgkd jn`l xe

cgpxmk+ Pe G gkygxmh ncc nppe`gnxmp nkh

zmpghmkxp xe èam xe xbm xnjcm nkh

pbnzm xbmgz gkpgdbxp nkh vzn`xg`nc

pec}xgekp xe e}z j}pgkmpp kmmhp+

G lket xbepm cgygkd nkh tezlgkd ek xbm

izekx cgkmp nzm inz aezm lketcmhdmnjcm

nje}x xbm pvm`gig`p ei e}z hnw!xe!hnw

evmznxgekp xbnk G è}ch mymz bevm xe

jm+ Aepx `nk pvex n èpx!pnygkd

evvezx}kgxw izea n agcm ntnw nkh tmzm

bnvvw xe pbnzm tbmk nplmh+ Jew# tmzm

xbmw.

E}z nppe`gnxmp p}jagxxmh aezm

xbnk 466 p}ddmpxgekp iez tnwp xemgxbmz zmh}`m mrvmkpmp ez gk`zmnpm

zmymk}mp+ Zmpghmkxp p}jagxxmh >66

aezm+ Ygccndm cmnhmzp nkh G mync}nxmh

mn`b ei xbmpm ghmnp nkh nppmppmh

tbg`b è}ch jm gavcmamkxmh nkh

tbg`b hgh kex anlm deeh igknk`gnc

pmkpm nx xbgp xgam+

Tm bnym nczmnhw gavcmamkxmh ncnzdm k}ajmz ei xbmpm zmèaamkhnxgekp#

nkh xbze}db xbgp e}xpxnkhgkd xmna!

G bnh c}k`b ekm hnw tgxb n 74!

wmnz!ech gkhmvmkhmkx cgygkd zmpghmkx

tbe bnp cgymh nx xbm Ygccndm iez aezm

xbnk 06 wmnzp+ Xbgp `np}nc mkè}kxmz

zmagkhmh am ei xbm ntmpeam zmpvek!

pgjgcgxw mn`b ei }p nx xbm Ygccndm bnp xe

vzeyghm ~}ncgxw pmzyg`mp iez zmpghmkxp+Xbmw nzm è}kxgkd ek }p xe jm xbmzm

iez xbma maexgeknccw# vbwpg`nccw nkh

igknk`gnccw+

Tbmk gx jm`nam ejyge}p xbgp vnpx

igp`nc wmnz xbnx e}z igknk`mp tmzm kex

degkd xbm tnw tm kmmhmh xbma xe# aw

c}k`b hnxm pmzymh np n xe}`bvegkx iez

am+ Xbe}db gx te}ch bnym jmmk mnpwxe igkh tnwp xe zmh}`m Ygccndm mrvmkpmp

jw `}xxgkd jn`l ek pmzyg`mp# ez jw

tezl# tm bnym jmd}k xe x}zk xbgkdp gk

n kmt hgzm`xgek+ Tm n`bgmymh xbgp

xbze}db vzn`xg`nc nkh pe}kh `beg`mp

tgxb n `mkxznc ie`}p ek angkxngkgkd e}z

bgdb cmymc ei ~}ncgxw nkh jmgkd deeh

pxmtnzhp ei xbm igknk`gnc nkh b}ank

zmpe}z mp gkyecymh+

G na vze}h ei e}z tezl+ Deeh

xbgkdp kmymz bnvvmk jw n``ghmkx728 tbmk xbmw mrvcezmh aeygkd

Lnzmkp aexbmz xe xbm nzmn izea Px+

Ce}gp+ Ncxbe}db xbm aeym hghkx tezl

e}x# xbm è}vcm kmymz iezdex xbm Ygccndm

nkh jm`nam zmpghmkxp gk cnxm :66:+

Xbm Nzzmhekhep vcnkkmh xbmgz aeym

pe xbnx xbmw è}ch èkxgk}m xe mkoew xbmcgim xbmw bnh j}gcx e}xpghm xbm Ygccndm

gk`c}hgkd dzetgkd xbmgz n`è}kxgkd%

èkp}cxgkd j}pgkmppmp np tmcc np

vnzxg`gvnxm gk xbm ynpx k}ajmz ei n`xgygxgmp#

pmzyg`mp nkh namkgxgmp eiimzmh jw xbm

Ygccndm+ Xbm è}vcm bnp vnzxg`gvnxmh gk

vzeh}`xgekp v}x ek jw xbm zmpghmkx

xbmnxmz dze}v# yec}kxmmzmh nx xbm Ygccndm@nzm @mkxmz g`m `zmna vnzcez nkh

èkxzgj}xmh xe Zmpghmkx @e}k`gc# o}px xe

knam n imt+ Gk nhhgxgek# Lnzmk zm`mkxcw

tnp mcm`xmh xe xbm Oebk Lker Ygccndm

Jenzh ei Hgzm`xezp+

Cgygkd nx Oebk Lker Ygccndm bnp jmmk

dzmnx jm`n}pm tm bnym jmmk njcm xe mr!

vnkh e}z j}pgkmpp nkh v}zp}m kmt gkxmz!

mpxp# j}x bnymkx bnh xe tezzw nje}x be}pm

angkxmknk`m ez cnkhp`nvgkd# Jej pngh+

Ez èelgkd nkh `cmnkgkd }v# Lnzmk

nhhmh tgxb n cn}db+


4/16

Agh!tnw xbze}db xbm igp`nc wmnz "Nvzgc ># :662# xbze}db

Anz`b 0># :667'# Oebk Lker Ygccndm gkxmkpgigmh gxp miiezxp xehm`zmnpm mrvmkpmp nkh gk`zmnpm zmymk}mp+ Ygccndm cmnhmzpbgv

gkygxmh ncc nppe`gnxmp nkh zmpghmkxp xe pbnzm xbmgz p}ddmpxgekp+

Vzmpghmkx nkh @ME Hnk Zmrzexb pngh gx tnp gavezxnkx xe

gkyecym mymzwekm gk xbm vze`mpp jm`n}pm ncc gkyecymh te}ch

jm niim`xmh jw xbm igknc e}xèamp+ Bm n`lketcmhdmh# xee#

xbnx xbepm ek xbm izekx cgkmp mgxbmz hegkd xbm hngcw tezl ez

zm`mgygkd xbm pmzyg`mp anw bnym n `cmnzmz ghmn ei pvm`gig`

`bnkdmp xbnx è}ch pnym heccnzp tgxbe}x èavzeagpgkd xbm~}ncgxw ei xbepm pmzyg`mp+

^? Bet ankw p}ddmpekp hgh we} zm`mgym5

N? Tm zm`mgymh aezm xbnk 466 p}ddmpxgekp izea nje}x

:=6 nppe`gnxmp# nkh >66 aezm izea =6 zmpghmkxp+ Ankw

ei xbm jmpx p}ddmpxgekp tmzm h}vcg`nxmp# pbetgkd xbnx ankw

agkhp tmzm ie`}pmh ek xbm zgdbx xbgkdp+

^? Bet tmzm xbepm p}ddmpekp bnkhcmh5

N? Mymzw p}ddmpxgek tnp zmygmtmh jw Vzmpghmkx Hnk

Zmrzexb nkh n ankndmamkx xmna tnp `bnzdmh tgxb

nppmppgkd xbm Ygccndmp njgcgxw xe n`x ek xbm p}ddmpxgekp

p}jagxxmh+ Ghmnp xbnx tmzm dgymk xbm dzmmk cgdbx xe n`x ek

tmzm nppgdkmh xe hmvnzxamkxp nkh gavcmamkxmh gaamhgnxmcw+

Peam tmzm hmpgdknxmh xe xbm wmccet `nxmdezw iez i}zxbmz gkymp!

xgdnxgek ez xe jm bmch }kxgc xbm xgagkd tnp jmxxmz xe gavcmamkx

xbma# nkh peam tmzm mync}nxmh np kex veppgjcm ez kex vzn`xg`nc+

^? Bnym xbepm gxmap xbnx tmzm gavcmamkxmh bnh n

vepgym mstm`x ek xbm j}hdmx5

N? Wmp. Xbgp vze`mpp tnp mrxzmamcw p}``mppi}c# kex ekcw

gk èavgcgkd n cgpx ei vzn`xg`nc nkh n`xgeknjcm ghmnp# j}x

ncpe gk hmymcevgkd xbm gkxmzknc p}vvezx tm kmmhmh xe

anlm a}cxgvcm `bnkdmp ~}g`lcw nkh tgxb pe a}`b

mkxb}pgnpa izea nppe`gnxmp nkh zmpghmkxp+ Jw n`xgkd

jmiezm e}z igknk`mp jm`nam n `zgpgp pgx}nxgek# tm nzm gk n

jmxxmz igknk`gnc vepgxgek xbnk ankw ei e}z èavmxgxezp+ Tmnzm igknk`gnccw pxnjcm# tm bnym nk mr`mccmkx `zmhgx znxgkd# nkh

tm tmzm njcm xe igkh tnwp xe `}x kmnzcw (0 agccgek eymz xbm

kmrx >:!>2 aekxbp+

@epx Zmh}`xgekAmnp}zmp

@bnkdgkd xe n kmt bmncxb gkp}znk`m vcnk nkhnyeghgkd nk >> vmz`mkx gk`zmnpm gk aekxbcw vzmag}ap

Nho}pxgkd xbm tnw nppe`gnxm vngh xgam eii gpn``z}mh nkh anlgkd `bnkdmp xe j}wjn`l nkh

`nzzweymz vecg`gmp

Pxzmnacgkgkd pxniigkd vze`mh}zmp nkh mcgagknxgkdjek}p vzedznap nx xbm Ygccndm @nzm @mkxmz

Zmh}`gkd agcmndm ek Ygccndm ymbg`cmp

Mcgagknxgkd hgpxzgj}xgek ei amnc xg`lmxp xeyec}kxmmzp

Mcgagknxgkd nppe`gnxm amnc hgpè}kxp gk

Ygccndm zmpxn}znkxp

Gkpxgx}xgkd n tndm izmmm# nccetgkd }p xevzmpmzym vepgxgekp

J]GCHGKD E]Z JEXXEA CGKMNppe`gnxmp# zmpghmkxp vnzxkmz xe zmh}`m pmkpgjcw


5/16

Aezm Jexxea Cgkm Jeepxmzp Zmpxz}`x}zgkd xbm b}ank zmpe}z`mp hmvnzxamkx

Zmkmdexgnxgkd ymkhez nkh pmzyg`m vzeyghmz èkxzn`xpxe xnlm nhynkxndm ei jmxxmz vzg`gkd nkh%ez vn`lndmp

Mkiez`gkd v}z`bnpgkd vecg`gmp xe mkp}zm jmpx vzg`gkd

Gavzeygkd mkmzdw miig`gmk`w xbze}db cgdbxgkd nkhm~}gvamkx gavzeymamkxp

Nho}pxgkd zmpxn}znkx vzg`gkd xe aezm `cepmcw anx`banzlmx vzg`mp

@zepp!xzngkgkd zmpxn}znkx pxnii nx a}cxgvcm ce`nxgekpxe pgavcgiw pxniigkd

Vnzxkmzp gk Mr`mccmk`mNp n kex!iez!vzeigx ezdnkgnxgek# e}z agppgek nxOebk Lker Ygccndm gp?

Mkzg`bgkd Cgymp#

J}gchgkd @eaa}kgxw

Xbgp agppgek mkèavnppmp jexb xbm zmpghmkxp nkh

nppe`gnxmp jm`n}pm gx xnlmp xbm vnzxkmzpbgv jmxtmmkxbm xte xe anlm Oebk Lker Ygccndm n vcn`m tbmzm

vmevcm tnkx xe cgym# tezl nkh jm pmzymh+

PANZX PEC]XGEKPEvaggkd e}z }cgxw }pndm

Gk n k}ajmz ei vcn`mp xbze}dbe}x xbgp zmvezx# we}

tgcc pmm tnwp xbnx e}z evmznxgekp hmvnzxamkx bnp

tezlmh xe è}kxmzn`x xbm zgpgkd èpxp ei }xgcgxgmp+

Ekm mpvm`gnccw kexmtezxbw vzeom`x gp xbm Ygccndmp

vnzxg`gvnxgek gk Lnkpnp @gxw Vetmz ) Cgdbxp kmt

Mkmzdw Evxgagmz vzedzna+ L@V)C gkpxnccmh nje}x

896 kmt hgdgxnc xbmzaepxnxp gk e}z èxxndmp# ygccnp nkhpgkdcm!inagcw beamp+ Xbm èpx xe xbm Ygccndm iez xbm

xbmzaepxnxp nkh gkpxnccnxgek? (6+

Tbnxp aezm# tm tgcc dngk mymk dzmnxmz jmkmigxp

xbze}db cetmz mkmzdw }pndm+ Hgzm`xez ei Evmznxgekp nkh

Hmymcevamkx Jzgnk Vmxmzpmk pngh# Xbmpm vzedznaanjcm

xbmzaepxnxp ket nccet zmpghmkxp xe pmx xbmgz xbmzaepxnxp

nkh iezdmx xbma+ Ek`m vzedznaamh# mn`b xbmzaepxnx

tgcc n}xeanxg`nccw nho}px xbm xmavmznx}zm nze}kh xbnx

zmpghmkxp hngcw p`bmh}cm ei n`xgym nkh gkn`xgym xgamp+

Tm mrvm`x gx xe pnym }p nk nymzndm ei >= vmz`mkx gk

nkk}nc mkmzdw èkp}avxgek+

Xbm xbmzaepxnxp tgcc kex ekcw cetmz xbm Ygccndmp

mrvmkpmp iez bmnxgkd nkh èecgkd# j}x }pgkd cmpp mcm`xzg`gxw

tgcc zmp}cx gk imtmz vecc}xnkxp gk xbm nxaepvbmzm+

L@V)C ncpe jmkmigxp+ Jw n``mppgkd xbm xbmzaepxnxp

iez ie}z!be}z gk`zmamkxp ek vmnl hmankh hnwp# xbmw

`w`cm xbm èavzmppez ek nkh eii# xb}p nccetgkd xbma xe

pmzym aezm `}pxeamzp aezm miig`gmkxcw+


6/16

DZNW GP XBMKMT DZMMK

Kmt knx}znc pxekm jce`lp ncekdxbm `zmml gk Tmpxagkpxmz Amnhetp

zmh}`m pegc mzepgek+

Kmt è!agkdcmh zm`w`cgkdjgkp n``mvx vnvmz# vcnpxg`# xgk nkh

nc}agk}a+

Kmt veec v}avp nkh pncxtnxmzpwpxmap gk e}z gkheez nkh e}xheezveecp }pm cmpp mkmzdw nkh imtmz

`bmag`ncp+

Imtmz agcmp hzgymk jw e}zymbg`cm icmmx pnymp dnp nkh

magppgekp+

Kmt nkh nxxzn`xgym `nav}pcgdbxgkd gp aezm mkmzdw!miig`gmkx+

P}zm# xehnwp we}kd vmevcm xbgkl xbmw

etk xbm dzmmk aeymamkx# j}x tbe he

xbmw xbgkl pxnzxmh xbm aeymamkx5 Xehnwp

`}zzmkx zmxgzmmp tmzm nze}kh tbmk xbm

mècedw jncc dex zeccgkd gk xbm 46p+ Pe gx

pbe}ch jm ke p}zvzgpm xbnx zmpghmkxp ei

zmxgzmamkx èaa}kgxgmp nze}kh xbm knxgek

nzm majzn`gkd xbm kmt ie`}p ek j}gchgkd

nkh cgygkd dzmmk+

Oebk Lker Ygccndm gp cmnhgkd xbmtnw gk ceelgkd iez mkygzekamkxnccw!

nkh igknk`gnccw!izgmkhcw tnwp xe `nzm

iez e}z dze}khp# èkh}`x j}pgkmpp#

angkxngk e}z j}gchgkdp nkh vzeyghm

xznkpvezxnxgek+ Xedmxbmz# zmpghmkxp

nkh nppe`gnxmp nzm èagkd xedmxbmz

xe he tbnx tm `nk xe jm zmpvekpgjcm

pxmtnzhp ei xbm tezch nze}kh }p#xbm i}khp mkxz}pxmh xe }p# nkh xbm

b}ank zmpe}z`mp tm hmvcew+

P}pxngknjgcgxwJw ie`}pgkd ek p}pxngknjgcgxw#

tm vnzxkmz tgxb e}z zmpghmkxp gk

ceelgkd iez tnwp xe ammx xbm kmmhp

ei xbm vzmpmkx tgxbe}x èavzeagp!gkd xbm njgcgxw ei i}x}zm dmkmznxgekp

xe ammx xbmgz etk kmmhp+

P}pxngkgkd E}z Zmpe}z`mpEymz xbm vnpx wmnz nkh n bnci#

xbm Ygccndm bnp gk`zmnpmh gxp miiezxp gk

jmgkd mkygzekamkxnccw ntnzm nkh

zmpvekpgjcm+ Nppe`gnxmp bnym

gavcmamkxmh kmt vzedznap xbnx }pm

anxmzgncp# xeecp nkh amxbehp xbnx nzm

dmkxcmz ek xbm mkygzekamkx nkh e}z

j}hdmx+

N imt mrnavcmp gk`c}hm?

Aexgek pmkpezp nkh mkmzdwmiig`gmkx cgdbxp gk èaaek nzmnppnym mkmzdw+


7/16


8/16


9/16

Xbm Vnygcgek nx Oebk Lker

Ygccndm# j}gcx gk >749# jmkmigxmh izea

xbm zeeigkd nkh `nav}p jmn}xgig`nxgek

vzeom`xp jw zm`mgygkd nk mrxmkpgym

in`mcgix+ Gx ket pvezxp mkxgzmcw kmt

zeeigkd xbnx gp kex ekcw mwm!`nx`bgkd

j}x gp ncpe h}znjcm nkh aezm mkmzdw!

miig`gmkx+

Xbm j}gchgkd mrxmzgez zm`mgymh n izmpb

ènx ei vngkx# nkh n px}kkgkd mkxznk`m

bnp jmmk `zmnxmh xe bmcv vmevcm lket

xbmw bnym nzzgymh nx peamvcn`m pvm`gnc+

Xbm kmt hgdgxnc pgdk jmpghm Xbm Vnygcgekphzgymtnw ncpe bmcvp anlm xbgp èaa}kgxw

cnkhanzl pxnkh e}x np n vzmagmz Cmmp

P}aagx hmpxgknxgek+

Gkpghm# xbm hnk`m iceez bnp jmmk zm!

igkgpbmh# n kmt >6!jw!>6 ieex p`zmmk nkh

vzeimppgeknc!dznhm C@H vzeom`xez nkh

Tg!Ig bnym jmmk gkpxnccmh# nkh n kmt

hzmppgkd zeea èkpxz}`xmh+ Gxp n j}pw

VNYGCGEK VZMPMK@M vcn`m ek tmmlmkhp# tgxb tmhhgkdp#dznh}nxgekp# `znix pbetp# nkh aezm+Gk IW67# Xbm Vnygcgek tezlmh xe jeepx

tmmlhnw }pndm np tmcc# jw anzlmxgkd

hgzm`xcw xe j}pgkmppmp# nppe`gnxgekp nkh

mymkx vcnkkmzp xbze}dbe}x dzmnxmz

Lnkpnp @gxw+ Np vnzx ei xbmgz miiezxp#

xbmw cn}k`bmh xbmgz etk èk`mzx pmzgmp

xe mrvepm n dzmnxmz ynzgmxw ei vmevcm xe

xbm veppgjgcgxgmp ei Xbm Vnygcgek+

E}z Aepx!V}jcg`gmhVnygcgek Mymkx iez xbm Wmnz5

Xbnx te}ch bnym xe jm xbm `na!vngdk pxev tbmk vzmpghmkxgnc `nkhghnxm

]+P+ Pmk+ Oebk A`@ngk nkh bgp

z}kkgkd anxm Dey+ Pnznb Vncgk

cmnpmh Xbm Vnygcgek gk Pmvxmajmz :662#

nxxzn`xgkd n `zeth ei kmnzcw =#666#

ncekd tgxb knxgeknc kmtp amhgn+

Y@@p KmtNhagkgpxznxez

Hnygh O+ Amz`gmz# CKBN# xbm

Ygccndm @nzm @mkxmzp kmt nhagkgp!

xznxez# èamp xe Oebk Lker Ygccndm

tgxb :9 wmnzp ei ankndmamkx nkh

nhagkgpxznxgym mrvmzgmk`m nx cekd!

xmza `nzm# nppgpxmh cgygkd nkh

bmncxb `nzm in`gcgxgmp nx n jzenh

znkdm ei iez!vzeigx nkh kex!iez!

vzeigx ezdnkgnxgekp+

G bnym nctnwp bmnzh ei nkh

lketk nje}x Oebk Lker Ygccndmnkh tnp nctnwp gavzmppmh tgxb gxp

zmv}xnxgek# Amz`gmz pngh+ G tnp

mrxzmamcw mr`gxmh xe oegk xbm Ygccndm

nkh jm vnzx ei xbm xmna+ Dmxxgkd xe

lket xbm zmpghmkxp nkh pxnii bnp jmmk

ekm ei xbm jmpx vnzxp ei aw oej+

Hnygh bnp nczmnhw anhm n

k}ajmz ei `bnkdmp xe gavzeym xbm

~}ncgxw ei `nzm nkh pmzyg`m nx xbm

Ygccndm @nzm @mkxmz nkh xe anlm gx

mnpgmz iez vmevcm xe he xbmgz oejp tmcc+

Xbmpm gk`c}hm? zmpxz}`x}zgkd ankndm!

amkx pe xbnx xbm k}zpgkd pxnii gp

p}vmzygpmh jw k}zpmp znxbmz xbnk

nhagkgpxznxezp< vcnkp xe gkpxncc kmt

iceezgkd gk bncctnwp nkh èaaek

nzmnp< nkh zmaeygkd xbm k}zpgkdpxnxgekp gk xbm `mkxmz ei xbm `nzm

kmgdbjezbeehp xe anlm xbma immc

cmpp gkpxgx}xgeknc nkh aezm cglm beam+


10/16

Eymz xbm vnpx xte wmnzp# jexb zmpg!

hmkxp nkh nppe`gnxmp bmcvmh vzeyghm

Xbm @bgchzmkp Ygccndm tgxb i}khp iez

kmt m~}gvamkx xbze}db heknxgekp xe

xbm Oebk Lker Ygccndm Ie}khnxgek+

E}z ek!pgxm `bgch hmymcevamkx `mkxmz

ket bnp n kmt# ècezi}c vcnwdze}kh#èavcmxm tgxb n xzg`w`cm vnxb# np tmcc

np kmt pbmcymp# `}jjgmp# `zgjp nkh

exbmz a}`b!kmmhmh i}zkgpbgkdp iez xbm

`cnppzeeap+ Xbmpm nhhgxgekp kex ekcw

jmkmigx xbm `bgchzmk# j}x nzm ncpe vnzx

ei Xbm @bgchzmkp Ygccndmp miiezxp xe

n`bgmym n``zmhgxnxgek xbze}db xbm

Knxgeknc Nppe`gnxgek iez xbm Mh}`nxgekei We}kd @bgchzmk+

Xbm peixtnzm ncpe bmcvmh `zmnxm n

aezm n``}znxm n`è}kxgkd ei yec}kxmmzbe}zp nkh `}zzmkx nkh n`xgym yec}kxmmzp+

Xbgp tnp mpvm`gnccw gavezxnkx jm`n}pm

xbm k}ajmz ei kmt yec}kxmmz gk~}gzgmp

bnp gk`zmnpmh p}jpxnkxgnccw np n zmp}cx ei

kmt yec}kxmmz zm`z}gxamkx xm`bkg~}mp+

K}ajmz ei yec}kxmmzp? 806

K}ajmz ei Yec}kxmmz be}zpceddmh? 46#666

Oebk Lker Ygccndm N}rgcgnzwXbm N}rgcgnzw mnzkmh (060#86:

xbze}db Xbzgix Pbev nkh dgix pbev

pncmp# np tmcc np exbmz i}kh!zngpgkd

miiezxp+ N imt pvm`gnc mymkxp bmch

xbze}dbe}x xbm igp`nc wmnz gk`c}hmh

omtmczw nkh jeel pncmp nkh dgix pbev

amz`bnkhgpm pvm`gncp+ Xbm ezdnkgn!

xgek ncpe?

@ekxgk}mh xe i}kh èccmdm p`bec!nzpbgvp iez nppe`gnxmp# nppe`gnxmp

nkh zmpghmkxp inagcw amajmzp# nkh

xbm dmkmznc èaa}kgxw+

Vcmhdmh (2#000 iez n kmtnaj}cnk`m+

Ie}khnek DgpH}zgkd Igp`nc Wmnz

:667# xbm Oebk Lker

Ygccndm Ie}khnxgek

zm`mgymh 48: dgixp nkh

vzeyghmh i}khgkd iez 89

vzeom`xp nkh vzedznap#

gk`c}hgkd xbm kmt n}hge%

ygp}nc pwpxma iez xbm

ammxgkd nzmn gk xbm I# D nkh B J}gchgkd

èavcmr# i}zkgx}zm iez Ynccmw Ygmt# kmt

XYp iez xbm Ygccndm @nzm @mkxmzp Vepx!

N`}xm @nzm ]kgx# nkh n zmi}zjgpbmh iceez

iez xbm P}k Ynccmw @c}jbe}pm# gk nhhgxgek

xe p}jpxnkxgnc nppgpxnk`m xe Beam iez Cgim

Pec}xgekp+ Xbm Ie}khnxgek ie`}pmh ek`mcmjznxgkd gxp :=xb nkkgymzpnzw wmnz#

cn}k`bgkd xbm `nav}p jmn}xgig`nxgek

jmk`b vzedzna# nkh i}khgkd xbm

Zmpghmkx Igknk`gnc Nppgpxnk`m I}kh+

Yec}kxmmzpGk IW67# xbm yec}kxmmz hmvnzxamkx

pxnzxmh }pgkd kmt peixtnzm xe bmcvezdnkgm gxp ankw yec}kxmmzp nkh

xe aezm miig`gmkxcw ankndm ncc xbm

hgiimzmkx yec}kxmmz pmzyg`mp xbnx nzm

vzeyghmh xe 49 nzmnp ei xbm Ygccndm+

DGIXP)DGYGKD Kmt i}zkgpbgkdp , kmt vcnwdze}kh 1Bnvvw pagcgkd lghp Tbnx è}ch jmjmmz5


11/16

NTNZHP)N@BGMYMAMKXP

N``zmhgxmh iez Nkexbmz Igym Wmnzp

Tm bnym jmmk èkxgk}e}pcw

n``zmhgxmh jw xbm @ekxgk}gkd @nzm

N``zmhgxnxgek @eaagppgek

@eaagppgek ek N``zmhgxnxgek ei

Zmbnjgcgxnxgek In`gcgxgmp pgk`m

>724# nkh tm nzm ket n``zmhgxmhxbze}db Hm`majmz :6>0+ Ymzw imt

zmxgzmamkx èaa}kgxgmp `nk pnw xbgp.

Tmzm vze}h ei xbgp v}jcg` zmèdkgxgek ei e}z tezl# d}ghmh jw

47: pxnkhnzhp# xe èkxgk}e}pcw gavzeym pmzyg`mp nkh ~}ncgxw

ei cgim iez xbepm tm pmzym+ Jmwekh xbm n``zmhgxnxgek# tm tmzm

zmèdkgmh np jmgkd mrmavcnzw gk pmymznc nzmnp# gk`c}hgkd?

Cgygkd e}x e}z agppgek ei Mkzg`bgkd Cgymp nkh J}gchgkd

@eaa}kgxw xbze}db xbm a}cxgx}hm ei pmzyg`mp nkh vzedznapvzeyghmh# nkh iez Beam iez Cgim Pec}xgekp+ Xbm èaagppgek

pxnxmh xbnx xbgp vzedzna vzeyghmp xbm vmzpekp pmzymh tgxb

n cmymc ei èaiezx nkh pnimxw kex pmmk gk aepx zmxgzmamkx

èaa}kgxgmp+

@gz`cm ei Mr`mccmk`mXbm Oebk Lker Ygccndm

Igxkmpp @mkxmz tnp ekm ei xbmigzpx xte ce`nc ezdnkgnxgekp xe

jm knamh xe xbm Nzxbzgxgp

Ie}khnxgekp @gz`cm ei

Mr`mccmk`m+ Xbgp kmt ntnzh gp

xbm bgdbmpx bekez xbnx xbm Tmpxmzk

Agppe}zg%Dzmnxmz Lnkpnp @gxw

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tmcc np ekm xbnx vnzxg`gvnxmp nkk}nccw gk xbm Ogkdcm Jmcc Z}k nkh

xbm Nzxbzgxgp Tncl+

Xbm @bgchzmkp Ygccndm?@ecezmh jw @znwecnXbm Ygccndmp ek!pgxm `bgch

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inkxnpxg` evvezx}kgxw xe xmpx

peam ei @znwecnp kmt

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xmn`bgkd `}zzg`}c}a d}ghm+ Xbm jeel bnp jmmk v}jcgpbmh

nkh gk`c}hmp ~}exmp izea ekm ei e}z xmn`bmzp# vg`x}zmp ei e}z

px}hmkxp nkh zmpghmkx yec}kxmmzp# nkh mrnavcmp ei xbmgz tezl+

N Bmze gk

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Ynccmw Ygmt Amaezw

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knamh jw Gkdznap

andngkm gk :667+

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tnwp xe gavzeym xbmgz

vzedznap# bepvgxncp

nkh xbm cnzdmz gkh}pxzw+

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vnxgmkx `nzm nkh

vzeaexgkd n pvgzgx ei xmnatezl nzm ei `zgxg`nc gavezxnk`m# nkh

vzeyghgkd n p}vmzgez vnxgmkx mrvmzgmk`m zmangkp xbm amnp}zm

ndngkpx tbg`b ncc ei xbm bekezmmp amnp}zm xbmgz p}``mpp+

Npl nje}x e}z

@NZI!@@N@ N``zmhgxnxgek


12/16

Xbe}db ezgdgknccw mpxnjcgpbmh np n èkxgk}gkd `nzm

zmxgzmamkx èaa}kgxw gk Cmmp P}aagx# Ae+# vnzx ei xbm Oebk

Lker Ygccndm agppgek gp xe pmzym echmz nh}cxp ke anxxmz tbmzmxbmw cgym+ Tbmxbmz beam gp ekm ei e}z gkhmvmkhmkx cgygkd

zmpghmk`mp# zmpghmkxgnc `nzm nvnzxamkxp ez cekd!xmza `nzm

kmgdbjezbeehp ez xbm inagcw beam Oebk Lker Ygccndm gp

vzmvnzmh xe ammx xbm `bnkdgkd bmncxb `nzm kmmhp ei Ygccndm

zmpghmkxp nkh pmkgezp tbe cgym xbze}dbe}x Agppe}zg nkh Lnkpnp+

Beam!@mkxmzmh @nzmTgxb nhynk`mp gk xm`bkecedw nkh xzmnxamkx evxgekp#

dzmnxmz k}ajmzp ei vmevcm nzm `beepgkd xe zmangk cgygkd gk xbmgzbeamp znxbmz xbnk zmce`nxgkd xe n bgdbmz cmymc ei `nzm+ Xbmw nzm

pmmlgkd beam!jnpmh bmncxb `nzm evxgekp# p}`b np xbm pmzyg`mp

eiimzmh jw xbm Ygccndmp beam bmncxb# vzgynxm!h}xw `nzm# bepvg`m

nkh gk!beam xm`bkecedw nppgpxnk`m+ Mn`b vzeyghmp ~}ncgxw `nzm

gk xbm èaiezx nkh vzgyn`w ei xbmgz beamp+

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beam!`nzm evxgekp nzm mrvmzgmk`gkd vepgxgym dzetxb+ E}z beam

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vzeyghgkd hmaekpxznxgekp nkh pmccgkd vzeh}`xp nkh pmzyg`mp xe

Ygccndm zmpghmkxp nkh amajmzp ei xbm dzmnxmz èaa}kgxw+

Zm`mkx dznkxp izea xbm Yg`xez Pvmnp Ie}khnxgek nkh xbm

Jzn`m Ie}khnxgek# xbze}db Jnkl ei Namzg`n# nkh pmvnznxmcw izeaxbm Omtgpb Bmzgxndm Ie}khnxgek iez Inagcw Pmzyg`mp# "jexb ygn xbm

Oebk Lker Ygccndm Ie}khnxgek' vzeyghmh n xexnc ei (>06#666 xe

nppgpx gk ekdegkd hmymcevamkx ei Beam iez Cgim Pec}xgekp+

OEBK LKER YGCCNDM

Jzgkdp Pmzyg`mp BeamMymzwxbgkd We} MymzTnkxmh xe Lket

nkh Xbmk Peam.Ygpgx }p ekcgkm nx

ttt+oebklkerygccndm+ezd

Xbgkl we} lket ncc xbmzm gp xe lket nje}x

Oebk Lker Ygccndm5 Jmx we} hekx.

Tgxb aezm xbnk >=6 vndmp ei kmtp nkhgkiezanxgek nje}x ncc xbm Ygccndm bnp xe eiimz#

tm LKET we}cc cmnzk peamxbgkd kmt+

ZMHMPGDKMH.Izmpb kmt ceel.


13/16

VETMZ GK K]AJMZ(N tezh izea Oebk Lker Ygccndmp yg`m vzmpghmkx ei igknk`m

Dgymk xbm `}zzmkx mèkeag`

`cganxm# xbmzm tmzm ankw in`xezp xe

xnlm gkxe n`è}kx tbmk mrnagkgkd

e}z igknk`gncp izea igp`nc wmnz :667

np tmcc np gk vcnkkgkd iez IW>6? Xbm

be}pgkd anzlmx# dnp vzg`mp# mkmzdw

vzg`mp# xbm pxe`l anzlmx np tmcc

np zmpghmkxp nkh vzepvm`xgym zmpg!

hmkxp tbepm i}khp bnym jmmk

hmvcmxmh jm`n}pm ei xbm vnpx wmnzp

anzlmx èkhgxgekp+

Eymzncc# tm tmnxbmzmh xbm igp`nc

wmnz jmxxmz xbnk ankw+ E}z jexxea!cgkm

igknk`gnc zmp}cx gavzeymh gk IW67 izea

xbm vzgez wmnz np tm zmvepgxgekmh xbm

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mèkeawp gavn`x ek e}z j}pgkmpp+

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xev vzgezgxw# gk`c}hgkd xbm `zmnxgek ei =:

kmt nvnzxamkxp gk xbm zmhmymcevmh N

nkh @ j}gchgkdp nkh n (>+8 agccgek

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j}gchgkdp+ N (: agccgek `nav}p jmn}xgig!

`nxgek vcnk bnp mkbnk`mh xbm `}zj nv!

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Xbm igknk`gnc xgamp gavn`xmhgkhmvmkhmkx cgygkd pncmp# np vzepvm`!

xgym zmpghmkxp b}klmzmh hetk gk

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nkh pncmp pxznxmdgmp iez jexb xbm

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hmymcevamkx+

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hm`gpgek+

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tgxb xbm xbe}dbx xbm mèkeaw tekx

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dencp zmd}cnzcw+

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Lker Ygccndm Ie}khnxgek nkh xbm Oebk

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ekcw >=> bnym znxmh hmjx "np ei Key+

06# :662'# nkh ei xbmpm# 9= vmz`mkx

nzm gk xbm JJJ `nxmdezw+


14/16

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15/16

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2009 jkv annual report

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