g]kfn /fi6« a}+saf6 ‘u’ ju{sf] ohfht k|fkt ;+:yf ... · gf]6 m pk/f]qm d'2tl lgif]kdf...

$: g]kfn /fi6« a}+saf6 ‘u’ ju{sf] Ohfht k|fKt ;+:yf ... · gf]6 M pk/f]Qm d'2tL lgIf]kdf shf{ lnPdf yk Jofhb/ #=)) k|ltzt ;Dd nfUg]5 / lgIf]ksf] k|ltzt ;Dd shf{ lbg ;lsg]5 . u_$

g]kfn /fi6« a}+saf6 ‘u’ ju{sf] Ohfht k|fKt ;+:yf

Progressive Finance Limitedk|f]u|]lze kmfOgfG; lnld6]8, kfsf], Go"/f]8

kf]i6 aS; g+=M !)#(), sf7df8f}+kmf]g g+= )!–$@$!@$$, $@$^$)@ k\mofS; g+= (&&—!—$@$^$)#Email: [email protected]

s_ jrt lgIf]ksf] b}lgs df}Hbftdf k|bfg ul/g] jflif{s Jofhb/ Mk|fs[lts JolQmtkm{

jrtsf] k|sf/ Jofhb/ Go"gtd df}Hbft Jofh k'+hLs[t ul/g] ;do

s_ ;fdfGo tyf ljz]if jrt M *=))Ü ?=!)).— q}dfl;s

v_ k|f]u|]lze ;'k/ jrt M *=))Ü ?=@%,))).— q}dfl;s

u_ afn jrt M *=))Ü ?=!,))).— q}dfl;s

3_ sd{rf/L u|f]Oª Kn; art M *=))Ü ?=!,))).— q}dfl;s

ª_ k|f]u]|lze uf]N8 jrt *=))Ü ?=%,))).— q}dfl;s

r_ z]o/wgL jrt *=))Ü ?=%,))).— q}dfl;s

5_ k|f]u|]lze pGglt jrt *=))Ü ?=!,))).— q}dfl;s

h_ pu|tf/f ljz]if art *=))Ü* ?=!)).— q}dfl;s

em_ z'ef/De art vftf *=))Ü* ?=!)).— q}dfl;s

`_ h]i7 gful/s÷s[ifs dhb'/÷Psn dlxnf k'?if art vftf -JNKMEMP_ *=%)Ü %,)))÷– q}dfl;s

6_ k|;Gg art vftf (=))Ü !,)),)))÷– q}dfl;s

;+:yfuttkm{

!= ;fdfGo skf]{/]6 jrt *=)) Ü ;Dd ljQLo ;+:yfx? ?=!),)))÷–cGo ;+:yfx?=!,))).—

q}dfl;s

@= k|f]u|]lze ;'k/ skf]{/]6 jrt M *=)) Ü ;Dd ?=!,)),))).— q}dfl;s

#= k|f]u]|lze ljz]if skf]{/]6 jrt *=)) Ü ;Dd ljQLo ;+:yfx? ?=!),)))÷–cGo ;+:yfx?=!,))).—

q}dfl;s

* zt{x? nfu' x'g]5 .

v_ ;fwf/0f d'2tL lgIf]kdf k|bfg ul/g] jflif{s Jofhb/ M

cjlwk|fs[lts JolQmtk{m÷;+:yfut tk{m

dfl;s Jofh e'QmfgL q}dfl;s Jofh e'QmfgL jflif{s Jofh e'QmfgL Dofb kZrft Jofh e'QmfgL

# dlxgf - 9.50% - 9.50%

^ dlxgf - 10.00% - 10.00%

! jif{ 11.00% 11.50% 12.00% 12.00%

@ jif{ 11.50% 12.00% 12.50% 13.00%

@ aif{ dfly cfkl; ;xdltdf to ul/g]

gf]6 M pk/f]Qm d'2tL lgIf]kdf shf{ lnPdf yk Jofhb/ #=)) k|ltzt ;Dd nfUg]5 / lgIf]ksf] () k|ltzt ;Dd shf{ lbg ;lsg]5 .

u_ ljz]if d'2tL lgIf]k of]hgf jflif{s Jofhb/ tyf zt{x? -shf{ k|bfg gul/g]_

l;=g+= vftfsf] k|sf/ cjlw Jofhb/ Go"gtd /sd ?

!= ljz]if d'2tL of]hgf # b]lv ( dlxgf !@=))% ! nfv

@= ljz]if d'2tL of]hgf ! jif{ !#=))% ! nfv

Jofhb/ tflnsf

aL;f}+ jflif{s k|ltj]bg – @)&@÷&#

Progressive Finance Limited

k|f]u|]lze kmfOgfG; lnld6]8

k|f]S;L kmf/fd>L ;~rfns ;ldlt


kfsf], Go"/f]8, sf7df8f}+

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

dxfzo, ======================================== lhNNff ==================================== g=kf=÷uf=kf j8f g++ =============== a:g] d÷xfdL ============================================================= n] To; sDkgLsf] z]o/jfnfsf] x}l;otn] ldlt @)&$ ;fn cfiff9 dlxgf @( ut] laxLaf/sf lbg x'g] @) cf}+ ;fwf/0f ;efdf :jod\ pkl:ylt eO{ 5nkmn tyf lg0f{odf ;xefuL x'g g;Sg] ePsf]n] pQm ;efdf efu lng / dtbfg ug{sf] nflu tklzndf pNn]lvt JolQm nfO{ d]/f]÷xfd|f] k|ltlglw dgf]lgt u/L k7fPsf] 5'÷5f}+ .

k|ltlglwsf] ;lx lgj]bs

gfd M b:tvt

7]ufgf M gfdM

z]o/ k|df0f kq g+=M 7]ufgf M

ls=g+= =============================== z]o/ k|df0f kq g+=M

ls=g+= ===============================

ldltM @)&$ ÷ ========== ÷ ==========

b|i6Jo M of] lgj]bg ;fwf/0f ;ef x''g'eGbf sDtLdf $* 306f cufj} sDkgLsf] k|wfg sfof{noleq k]z ul/;Sg' kg]{5 .


k|j]z kq

z]o/wgLsf] gfd M =================================================================================================================================================z]o/ k|df0f kq g+=M ========================== z]o/ ;d"xM ==================================== z]o/ lsQf M ================================== o; sDkgLsf] @) cf}+ ;fwf/0f ;ef lgDg ldlt, ;do / :yfgdf x'g] ePsfn] pQm ;efdf pkl:yt x'g of] k|j]z–kq hf/L ul/Psf] 5 .

;fwf/0f ;ef x'g]

ldlt M @)&$ ;fn cfiff9 @( ut], laxLaf/ -tbg';f/ h'nfO{ !#, @)!&_

:yfg M ;+s6f ejgsf] ;efsIf, o+Ífn, nug6f]n, sf7df08f}+ .

;do M lbp;f] #M)) ah] .

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

z]o/wgLsf] b:tvt sDkgL ;lrj

of] k|j]z–kq ;efsIfdf k|j]z ubf{ / ;fwf/0f ;ef gx'Gh]n clgjfo{ ?kdf ;fydf /fVg'xf]nf .

aL;f}+ jflif{s k|ltj]bg – @)&@÷&#20th Annual Report-2072/73



1

k|f]u|]lze kmfOgfG; lnld6]8, sf=d=g=kf @@, sf7df08f}+sf]

@)cf}+ jflif{s ;fwf/0f ;ef a:g] af/] ;"rgf-k|yd k6s k|sflzt ldlt @)&$÷)#÷)*_

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

o; ljQLo ;+:yfsf] ;~rfns ;ldltsf] ldlt @)&$÷)#÷)& df a;]sf] #^$cf}+ a}7ssf] lg0f{o cg';f/ sDkgLsf] @)cf}+ aflif{s ;fwf/0f ;ef lgDg ljifox? pk/ 5nkmn ug{ b]xfo adf]lhdsf] ldlt, ;do / :yfgdf x'g] x'Fbf ;Dk"0f{ z]o/wgL dxfg'efjx?sf] pkl:ylt tyf hfgsf/Lsf] nflu of] ;"rgf k|sflzt ul/Psf] 5 .

;ef x'g] ldlt, ;do / :yfg M

ldlt M @)&$ ;fn cfiff9 @( ut], ljlxaf/ -tbg';f/ h'nfO{ !#, @)!&_

;do M lbpF;f] #M)) ah] .

:yfg M ;+s6f ejgsf] ;efsIf, o+Ífn, nug6f]n, sf7df08f}+ .

5nkmsf ljifox?M

-s_ ;fdfGo k|:tfjx? M–

!= ;~rfns ;ldltsf] tkm{af6 k|:t't @) cf}+ aflif{s k|ltj]bg pk/ 5nkmn u/L kfl/t ug]{ .

@= n]vfk/LIfssf] k|ltj]bg ;lxtsf] @)&# cfiff9 d;fGtsf] jf;nft tyf ;f]lx ldltdf ;dfKt cf=j= )&@÷)&# sf] gfkmf gf]S;fg lx;fa / gub k|jfx ;lxtsf] ljQLo ljj/0f 5nkmn u/L kfl/t ug]{ .

#= n]vfkl/If0f ;ldltsf] l;kmfl/; adf]lhd cf=j= @)&#÷)&$ sf] nflu n]vfk/LIfs lgo'QmL ug]{ / lghsf] kfl/>lds lgwf{/0f ug]{ ;DaGwdf . -xfnsf n]vfk/LIfs >L ;'hg s'df/ sfkm\n], ;'hg sfkm\n] P08 Pzf]lzo6\; k'gM lgo'QmLsf nflu of]Uo x'g'x'G5 ._

$= ljljw .

-v_ ljz]if k|:tfjx? M–

!= k|aGwkq tyf lgodfjnLsf] ;+;f]wgdf lgodgsf/L lgsfoaf6 km]/abn ug{ ;'emfj k|fKt ePdf ;f] cg'?k ;dfof]hg ug{ ;~rfns ;ldltnfO{ clVtof/L k|Tofof]hg ug]{ .

@= o; ljQLo ;+:yf / cGo s'g} pko'Qm a}+s tyf ljQLo ;+:yf Ps cfk;df ufEg] ufleg], æa}+s tyf ljQLo ;+:yf k|flKt (Acquisition) ;DaGwL ljlgodfjnL, @)&)Æ adf]lhd PlSjlh;g ug]{ u/fpg], ;f] ;DaGwdf laQLo ;+:yfsf] rn crn ;DklQ / bfloTj tyf sf/f]jf/sf] d"Nofª\sg (Due Diligence Audit) ug]{, dfGotf k|fKt k/fdz{bftf, d"Nofª\sgstf{ tyf n]vfk/LIfsx? lgo'Qm ug]{, lghx?sf] kfl/>lds lgwf{/0f ug]{, ufEg]÷ufleg], PlSjlh;g ;DaGwL ;dembf/L kq (Memorandum of Understanding) th'{df ug]{ / cGo k|lqmof ;d]t k"/f u/L ;f]df x:tfIf/ ug]{ nufot ufDg]÷ufleg] jf PlSjlh;g ug]{ u/fpg] sfo{;Fu ;DalGwt cfjZos ;Dk"0f{ k|s[of k"/f ug{ ;~rfns ;ldltnfO{ clVtof/L lbg] . -ljut ;fwf/0f ;efsf] lg/Gt/tfsf nflu _

#= ;fwf/0f ;efsf] ;do ;Dddf s'g}+ a}+s tyf ljQLo ;+:yf ;+u PlSs/0f÷PlSjlh;gdf hfg] ;Demf}tf ePdf ;+rfns ;ldltaf6 ePsf] ufEg]÷ufleg], PlSjlh;g ;DaGwL ;dembf/L kq (Memorandum of Understanding) cg'df]bg ug]{ .

;~rfns ;ldltsf] cf1fn]

sDkgL ;lrj




2

k|f]u|]lze kmfOgfG; lnld6]8sf]

aL;f}+ jflif{s ;fwf/0f ;ef ;DaGwL;fdfGo hfgsf/L

!= o; ljQLo ;+:yfsf] la;f}+ jflif{s ;fwf/0f ;efsf] k|of]hgsf] nflu z]o/ bflvn vf/]hsf] sfd ldlt @)&$÷)#÷@# b]lv ldlt @)&$÷)#÷@( ut];Dd aGb /xg]5 .

@= ;fwf/0f ;efdf efu lng OR5's z]o/wgLn] jflif{s k|ltj]bgsf ;fy k|j]zkq z]o/ k|df0f–kq h:t} gful/stfsf] k|ltlnlk, rfns cg'dltkq jf kl/ro kq clgjfo{ ?kn] ;fydf lnO{ cfpg' x'g cg'/f]w 5 .

#= ;efdf efu lngsf] nflu k|ltlglw -k|f]S;L_ lgo'Qm ug{ rfxg] z]o/wgLx?n] ;f] ;DaGwL lgj]bg ;ef z'? x'g' eGbf $* 306f cufj} ljQLo ;+:yfsf] s]Gb|Lo sfof{no kfsf] Go"/f]8, sf7df08f}df btf{ u/fO{ ;Sg' kg]{5 . k|ltlglw -k|f]S;L_ lgo'Qm JolQm ljQLo ;+:yfsf] z]o/wgL x'g' kg]{5 .

$= k|ltlglw -k|f]S;L_ lgo'Qm ul/;Sg' ePsf] z]o/wgL cfkm} ;efdf pkl:yt ePdf k|f]S;L lbPsf] eP tfklg :jtM ab/ x'g]5 .

%= k|ltlglw d's// ubf{ s]xL z]o/ cfkm};Fu /fvL cfkm' ;d]t ;efdf pkl:yt x'g] lsl;dn] cf+lzs z]o/sf] k|ltlglw d's// ug{ kfOg] 5}g . ;Dk"0f{ z]o/sf] nflu Ps} JolQmnfO{ dfq k|ltlglw d's// ug'{ kb{5 . ;fy} k|ltlglw -k|f]S;L_ btf{ u/L ;s]kl5 ;f] nfO{ ab/ u/L csf]{ k|ltlglw kq -k|f]S;L_ lbg rfxg]n] ;f] sf] hfgsf/L $* 306f cufj} lbO{ ;Sg'kg]{5 .

^= gfjfns jf ljleGg z]o/wgLx?sf] tkm{af6 ljQLo ;+:yfsf] z]o/ nut lstfadf ;+/Ifssf] ?kdf gfd btf{ ePsf] JolQmn] ;efdf efu lng, dtbfg ug{ jf k|ltlglw -k|f]S;L_ tf]Sg kfpg] 5 .

&= Ps} z]o/wgLn] s'g} Ps k|ltlglw d's// u/]sf]df ;f] ab/ gu/L csf]{ k|ltlglw d's// u/]df h'g klxn] k|fKt eO{ btf{ x'G5 ;f] dfq dfGo x'g]5 .

*= ;+ul7t ;+:yf z]o/wgL ePdf To:tf ;+u7Lt ;+:yf4f/f dgf]gLt JolQmn] Nofpg] k|f]S;L kmf/ddf ;+:yfsf] 5fk, clws[t JolQmsf] b:tvt x'g'kg]{5 .

(= ;fwf/0f ;efsf] sfd sf/jfxL sDkgL P]g @)^# tyf a}+s tyf ljQLo ;+:yf ;DaGwL P]g @)^# adf]hLd x'g]5 .

!)= ;efdf efu lng] k|To]s z]o/wgL dxfg'efjn] ;ef x'g] :yfgdf pkl:yt eO{ ToxfF /x]sf] xflh/L k'l:tsfdf b:tvt ug{'[kg]{5 . xflh/L k'l:tsf lbp;f] ! ah]b]lv v'Nnf /xg]5 .

!!= 5nkmnsf] ljifo dWo] ljljw zLif{s cGt/ut 5nkmn ug{ OR5's z]o/wgLx?n] ;ef z'? x'g'eGbf & lbg cufj} 5nkmnsf] ljifo sDkgL ;lrj dfkm{t ;~rfns ;ldltsf] cWoIfnfO{ lnlvt ?kdf lbg'kg]{5 . t/ o;nfO{ 5nkmn / kfl/t x'g] k|:tfjsf] ?kdf ;dfj]z ul/g] 5}g .

!@= z]o/wgLx?af6 p7]sf k|Zg, lh1f;fx?sf] ;DaGwdf ;~rfns ;ldltsf] tkm{af6 cWoIf jf cWoIfaf6 cg'dlt k|fKt JolQmn] hjfkm lbg ;Sg]5g\ .

!#= z]o/wgL dxfg'efjx?sf] hfgsf/Lsf] nflu ljQLo ;+:yfsf] ljQLo ljj/0f ;lxtsf] jflif{s k|ltj]bg ljQLo ;+:yfsf] j]j;fO6 www.pfltd.com.np dfkm{t pknAw u/fOg]5 .

!$= ;fwf/0f;ef ;DjGwdf yk hfgsf/L cfjZos k/]df sfof{no ;doleq ljQLo ;+:yfsf] s]lGb|o sfof{no, kfsf] Go"/f]8, sf7df08f}df ;Dks{ /fVg ;lsg] 5 .

!%= ;'/Iffsf] b[li6sf]0fn] z]o/wgL dxfg'efjx?n] ;fwf/0f ;ef;Fu ;DalGwt sfuhftx? afx]s oyf;So emf]nf Kofs]6 cflb glnO{ cfpg' x'g cg'/f]w 5 .




3

z]o/wgL dxfg'efax?,

o; ljQLo ;+:yfsf] aL;f}+ jflif{s ;fwf/0f ;efdf oxfFx?sf] cd"No ;do lbO{ pkl:yt x'g'ePsf cfb/0fLo z]o/wgL dxfg'efjx?, k|ltlglwx?, ko{j]Ifsx? tyf cltlyHo"x?df d ;~rfns ;ldltsf] tkm{af6 xflb{s :jfut tyf clejfbg JoQm ub{5' .

o; ul/dfdo ;ef ;dIf o; ljQLo ;+:yfsf] cf=j=@)&@÷)&# sf] jf;nft, gfkmf gf]S;fg lx;fj, gfkmf– gf]S;fg jfF8kmfF8 lx;fj, gub k|jfx, OSo"6Ldf cfPsf] kl/jt{g tyf cg';"lrx? ;lxtsf ljj/0f / n]vf kl/Ifssf] k|ltj]bg ;lxtsf] jflif{s k|ltj]bg o; cuf8L g} cfb/0fLo z]o/wgL dxfg'efjx? ;dIf k7fO{ ;lsPsf] x'Fbf ;f]sf] cWoog e} eljiodf o; sDkgLn] lgjf{x ug'{kg]{ e'ldsfsf ;DjGwdf oxfFx?af6 ;bfem}+ cd"No ;Nnfx Pj+ ;'emfj k|bfg ug'{ x'g]5 eGg] ljZjf; lnPsf 5f+} .

z]o/wgL dxfg'efjx?,

o; laQLo ;+:yfsf] k|:t't k|ltj]bg ;lxtsf] n]vfk/LIfssf] k|ltj]bg, cf=j=@)&@÷)&# sf] jf;nft, gfkmf gf]S;fg lx;fa / gub k|jfx ljj/0f oxfFx?nfO{ klxn] g} k7fO{

k|f]u|]lze kmfOgfG; lnld6]8sf] aL;f}+ jflif{s ;fwf/0f ;efdf ;~rfns

;ldltsf] tkm{af6 cWoIfHo"åf/f k|:t't

cf=j= @)&@÷&# sf] jflif{s k|ltj]bg;lsPsf] x'Fbf ;f] df oxfFx?af6 cfjZos cWoog ePs} 5 eGg] 7fg]sf 5f}+ tyflk oxfFx?sf] hfgsf/L / cg'df]bgsf nflu k'gM k|:t't ug]{ cg'dlt rfxG5' .

s_ ljut jif{sf] sf/f]af/sf] l;+xfjnf]sg M

ljut s]lx jif{b]lv ljZjsf sltko If]qdf b]vf k/]sf] cfly{s dGbL, b]zsf] /fhg}lts cl:y/tf, pBf]u snsf/vfgf Jofkf/ Joj;fodf dhb'/x?sf] aGbx8tfnn] k|ToIf k/]sf] c;/, ;d:of, Jofhb/df c:j:y k|lt:kwf{ x'g' h:tf r'gf}ltx?nfO{ ;fdgf ub}{ Joj:yfkg ug'{kg]{ cj:yf /x]sf]n] z]o/wgL dxfg'efjx?sf] ;fy / ;xof]u k|fKt ePdf o:tf ;d:of ;dfwfg ug{ ;kmn e} cfkm\gf u|fxsju{x?nfO{ clwstd ;]jf ;'ljwf pknAw u/fpg ;lsG5 eGg] ljZjf; lnPsf 5f}+ . nufgL d}qL jftfj/0f aGg g;Sbf k/]sf c;/x?sf afjh't lgis[o shf{ cl3Nnf] cf=j=sf] t'ngfdf w]/} sd ePsf] 5 . o;sf ;fy} a+}s tyf ljQLo ;+:yfx? aLr cTolws k|lt:kwf{ x'g', lgodgsf/L lgsfon] hf/L u/]sf] gLlt lgb]{zgdf cfPsf kl/jt{gx?, s]xL ;+:yfdf b]lvPsf ;+:yfut ;'zf;g ;DaGwL ;d:ofsf sf/0faf6 b]lvPsf] clj:jf; h:tf sf/0f xF'bfx'b} ljut jif{sf] t'ngfTds ljQLo l:ylt tnsf] tflnsfaf6 :ki6 ?kdf hfgsf/L u/fpg rfxG5' .

o; ljQLo ;+:yfsf] ljut ^ cf=j=sf] t'ngfTds ljQLo ljj/0f lgDgfg';f/ /x]sf] 5 M

lzif{s

cf=j= cf=j= cf=j= cf=j= cf=j= @)^*÷^( @)^(÷&) @)&)÷&! @)&!÷&@ @)&@÷&#

clws[tk"FhL 4,00,000 4,00,000 4,00,000 4,00,000 4,00,000

r'Qmfk"FhL-snOgP*efG;;d]t_ 1,20,000 120,000 1,20,000 1,20,000 200160

hu]*fsf]if

;fwf/)fhu]*fsf]if 4,429 4,429 4,429 4,429 8619

hf]lvdJoxf]g]{sf]if 17,350 54,918 47,206 10,515 11993

cGohu]*fsf]if 4,844 4,844 4,844 4,844 6797

-k|:tfljtaf]g;;]o/_ – – – – –

gubnfef+;

-s/;dfof]hgk|of]hgfy{;d]t_ – – – – –

s'nlgIf]k 2,00,745 2,23,485 2,72,187 303100=78 533435

s'nshf{tyf;fk^ 1,80,526=60 2,08,291 2,79,606 263876=09 447121

z]o/nufgL 512 423 194 2069=34 11951

s'ncfDbfgL 52,206 27,698 36,630 50489=70 48182

s'nvr{ 40,319 70,092 40,451 63440=36 40512

;~rfnggfkmf-gf]S;fg_ 11,887 -42394_ -3821_ -12950=65_ -10611=38_

;l~rtgfkmf-gf]S;fg_ -1,862_ -40754_ -41,703_ -38591=15_ -22500=88_

s/e'QmfgL/Joj:yf 5,461 – – – –

s'ng]^jy{ 1,30,122=22 1,02,220 98,032 92712=66 195774=46

k|ltz]o/g]^jy{ 108=44 85=18 81=70 77=26 100=16

?= xhf/df




4

v_ /fli6«o tyf cGt/fli6«o l:yltaf6 ljQLo ;+:yfsf] sf/f]af/nfO{ k/]sf] c;/ M

nf]8;]l8Ësf] cGTo ePklg ljB't cfk'lt{df cl:y/tf, d'No a[l4, z]o/ ahf/ tyf 3/hUuf sf/f]jf/ l:y/ x'g' nufotsf sf/0fx?n] ;du| g]kfnL cy{tGqnfO{ k|efj kfl//x]sf] cj:yf ljBdfg /x\of] . b]zsf] cl:y/ /fhg}lts jftfj/0f ;fy} ;+ljwfg 3f]if0ff kl5 klg cGof]nsf] cj:yf oyfjt g} /x]sf] sf/0f pBf]u snsf/vfgf, Jofkf/ Joj;fosf] If]qdf ;d]t nufgLsf] plrt jftfj/0f aGg g;Sbf ;ldIff jif{ klg ljQLo If]qsf] lglDt r'gf}tLljlxg / ;xh x'g eg] ;s]g .

ut jif{df l5d]sL ldq /fi6«x?df ;d]t cfly{s a[l4df sdL oyfjt /x]sf] tYof+sx? ;fj{hlgs e} ;s]sf 5g\ . cGo d'n's nufot o'/f]k]nL d'n'sx? cem} dGbLsf] qf;af6 vf; aflx/ cfpg ;s]sf 5}gg . cfly{s ljsf;sf nflu cGt/fli6«o kl/l:ylt cg's'n gx'g'sf ;fy} /fli6«o kl/l:ylt ;d]t ck]lIft ?kdf ;xh /x]g . z]o/ ahf/ tyf 3/hUuf Joj;fodf k|ult x'g g;Sbf /fli6«o cy{tGqdf k/]sf] c;/n] o; ljQLo ;+:yfsf] sf/f]jf/df klg k|ToIf Pj+ ck|ToIf c;/ /xg uof] .

u_ k|ltj]bgsf] ldlt;Dd rfn' jif{sf] pknAwL / eljiosf ;DaGwdf ;+rfns ;ldltsf] wf/0ffM

z]owgL dxfg'efjx?,

rfn' cf=j= sf] t];|f] q}dfl;s cyf{t\ @)&# ;fn r}q d;fGt ;Dddf ljQLo ;+:yfsf] cfly{s pknlAwsf] ljj/0f lgDgfg';f/ /x]sf] 5 .

?= xhf/df

ljj/0fcf=j )&#÷)&$

r}q d;fGt

cf=j )&@÷)&#

r}q d;fGt

cf=j )&)÷&!

r}q d;fGt

t'ngfTds a[l4

)&@÷)&# )&!÷&@

r'Qmf k"“hL @,!),)))=)) @,)),!^)=)) !,@),)))=)) 4=91Ü 75Ü

s'n lgIf]k %,^@,&%*=## #,&!,@#(=$( @,^&,%$*=&& 51=58Ü 110Ü

s'n nufgL ^*^)=)) *,(@@=^$ %,(^)=(& -23=11Ü_ 15Ü

s'n shf{ %,*!,%^)=@^ #,(^,($*=)$ @,&(,@@(=%# 46=50Ü 108Ü

;+rfng d'gfkmf sd{rf/L af]g; tyf s/ cl3

!*#%^=*& @^,%$#=** !*,#@&=#! -30=84Ü_ 0=16Ü

v/fa shf{ cg'kft !=$# !=&$Ü !=&$Ü 17=81Ü 17=81Ü

s'n ;]o/ g]6jy{ !)#=$* !))=#& (^=(^ 3=09Ü 6=72Ü

dfly pNn]lvt tflnsfdf o; ljQLo ;+:yfn] cf=j )&!÷)&@ sf] t'ngfdf cf=j= )&#÷)&$ sf] a[l4b/ k|:t't ul/Psf] 5 eg] cf=j )&@÷)&# sf] t'ngfdf cf=j= )&#÷)&$ df ;+:yfn] xfFl;n u/]sf] pknlAw k|:t't ul/Psf] 5 .

gf]6M dfly pNn]lvt ljQLo ljj/0f pNn]lvt cf=jsf r}q d;fGt ;Ddsf ckl/:s[t ljQLo ljj/0faf6 ;fef/ ul/Psf] xf] .

efjL sfo{qmdx? M

!= k"FhL a[l4 of]hgfM

g]=/f a}+s af6 hf/L lgb]{zg adf]lhd /fli6«o :t/sf ljQ sDkgLx?n] @)&$ cfiff9 d;fGt ;Dddf ?=*) s/f]8 k'¥ofpg' kg]{ Joj:yf u/]sf]df o; ljQLo ;+:yfn] g]=/f a}+snfO{ a'emfPsf] k"FhL of]hgf d'tfljs xfn sfod /x]sf nufgLstf{nfO{ k|f]T;flxt x'g] ul/ pQm cjlwleq k"FhL k'¥ofpg] nIosf ;fy dh{/÷PlSjlh;gnfO{ lgoldt k|:tfjsf ?kdf /fvL xsk|b z]o/ hf/L ug]{ ul/ ldlt @)&$÷)@÷)@ ut]sf] ljz]if ;fwf/0f ;efaf6 @M*! sf b/n] xsk|b z]o/ hf/L ug]{ lg0f{o ePsf] Joxf]/f oxfFx?nfO{ cjut g} 5 .

@= zfvf sfof{no lj:tf/M

xfn o; ljQLo ;+:yfsf] klxnf] zfvf sfof{no pu|tf/f hgfufn–! sfe|]df @)&#÷)!÷!& ut] ljlwjt ?kdf z'ef/De ePsf] 5 . To:t} wg'iff lhNnfsf] hgsk'/wfd / afFs] lhNnfsf] sf]xnk'/ gu/kflnsfdf zfvf :yfkgfsf] nflu k|lqmof cufl8 a9fOPsf] 5 / pkTosfsf eQmk'/ tyf nlntk'/ lhNnfdf PS:6]G;g sfpG6/ vf]Ng] k|lqmof cufl8 a9fOPsf] 5 .

#= ljQLo ;+:yfsf] pGgltsf] nflu eljiodf ug'{kg]{ sfdsf] ;DjGwdf ;~rfns ;ldltsf] ;f]rsf] ;+lIfKt ljj/0f lgDgcg';f/ /x]sf] 5 M

c_ kF"hL a[l4 kZrft ljQLo ;+:yfsf] u|fxs;Ddsf] kxF'r a9fpg zfvf ;~hfn lj:tf/ Pj+ ATM ;]jf ;'? ul/g] 5 .

cf_ ljk|]if0f ;]jfnfO{ k|efjsf/L agfpg yk /]ld6\ofG; Ph]G:fLx?;Fu ;xsfo{ a9fpb} n}hfg] .




5

O_ sf/f]af/df x'g] a[l4nfO{ y]Ug cfjZos k"FhLsf]if k"¥ofpg k"FhL a[l4 tyf a[xt dh{/ tyf PlSjlh;g nufot cfjZos Joj:yf ul/g] 5 .

O{_ ;+:yfsf] lgis[o shf{nfO{ g]=/f= a}+sn] tf]s]sf] Go"gtd l;df leq} sfod /flvg] 5 .

p_ shf{ tyf nufgLsf] u'0f:t/ g36fO{ shf{ nufgL a9fO{g] 5 . ljz]iftM ljkGg ju{ shf{ tyf pTkfbglzn If]qdf k|jfx x'g] shf{nfO{ k|fyldstf lbOg]5 .

pm_ shf{sf] gofF of]hgfx? Nffu' ul/g] 5 .

P_ gofF lgIf]k of]hgfx? nfu" ub{} nlug] 5 .

P]_ ljQLo If]qdf cfPsf gofF gofF+ k|ljlwx?nfO{ cfTdf;fy ub}{ sf/f]af/ a[l4 ul/g] 5 .

cf]_ df]afOn a}lsªsf] Joj:yf ul/g] 5 . -k|lqmofdf cuf8L a9fO{ ;lsPsf]_

cf}_ ;+:yfsf sd{rf/Lsf] sfo{Ifdtfdf a[l4 Nofpg laleGg tflnd ;]ldgf/x?df ;xeflutf u/fpFb} nlug] 5 .

c+_ ;fdflhs pQ/bfloTj cGt/utsf sfo{x? ul/g]5 .

3_ cf}Bf]lus tyf Jofj;flos ;DaGw M

ljQLo ;+:yfn] cfkm';+u ;DalGwt cf}Bf]lus tyf Aoj;flos k|lti7fgx?;+u ;+:yfut Pj+ Jojf;flos d"No / dfGotfsf] cfwf/df d}lqk"0f{ ;DjGw sfod ub}{ cfPsf] 5 / o; ;DaGwnfO{ Joj;flos tyf kf/blz{tfsf cfwf/df ljQLo ;+:yfsf] lxtdf /xg] u/L cem ljsl;t ub}{ nlug] 5 .

ª_ ;+rfns ;ldltdf ePsf] x]/km]/ / ;f]sf] sf/0fM

o; cfly{s jif{ tyf ;ldIff cjlwdf ljQLo ;+:yfsf] ;~rfns ;ldltdf s'g} klg x]/km]/ ePsf] 5}g .

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

z]o/wgL dxfg'efjx?,

d'n'sdf ;+a}wflgs kl/jt{g kl5 tLg k|sf/sf ;/sf/x?sf] Joj:yf, /fhg}lts kl/jt{g kl5 /fhgLlts txdf a9\b} uPsf] ljsf; ;DalGw OR5f zlQmsf] sf/0fn] d'n's bf]xf]/f] c+ssf] cfly{s a[l4b/sf] nIosf] glhs k'Ug nflu /x]sf] cj:yf, ljQLo ;+:yfx?sf] 36\bf] pkl:ylt, ahf/df ;fgf k"FhL ;+/rgf ePsf ;+:yfx?sf] klg cfjZostf, k|Tos gful/ssf] a}+s vftf vf]Ng] ;/sf/L of]hgf, h]i7 gful/s÷Psn dlxnf eQf nufot ;/sf/L vr{ a}+lsª k|0ffnL dfkm{t dfq} ug]{ ;/sf/L /0fgLlt, ?=bz

nfv eGbf dflysf] /sd A/C Payee r]s dfkm{t sf/f]af/ x'g'kg]{ Joj:yf, k|To]s gu/kflnsf tyf ufpFklnsfdf zfvf lj:tf/ nufot l;ldt a}+lsª OsfO{ . zfvf /lxt a}+lsª ;]jf, df]jfOn a}+lsª, P=l6=Pd a}+lsª, OG6/g]6 a}+lsª, cfZjf k|0ffnL cflbaf6 g]kfndf a}+lsª Joj;fosf] ;'Gb/ eljio :jtM cg'dfg ug{ ;lsG5 . gofF a}+s tyf ljQLo ;+:yfsf] btf{ k|lqmof xfn :yug x'g', eO/x]sf] ;d:ofu|:t ;+:yf klg gofF ;d'xn] k|a4{g ub}{ ;';~rfngdf Nofpg] k|oTg ug'{af6 klg a}+s tyf ljQLo ;+:yfsf] cfufdL lbgx? cfsif{s / Go"g hf]lvd tkm{ pGd'v eO/x]sf] cfefif x'G5 . tyfkL /fhg}lts cl:y/tf sfod} /xg', ;do–;dodf e}/xg] k]6«f]lnod kbfy{sf] cfk"lt{df cj/f]w, g]kfn jGbn] ubf{ x'g] cj/f]wn] klg ljQLo sf/f]af/df c;/ k'u]sf] 5 . ljQLo ahf/df /x]sf] rsf]{ k|ltikwf{ Pj+ ljQLo If]qdf /xsf] t/ntfsf] cl:y/tf / csf]{tkm{ nufgL d}qL jftfj/0f gePsf] cj:yfdf shf{sf] dfu Go"g /x]sf] 5 . kmn:j?k jrt tyf shf{sf] Aofhb/df cfPsf] ptf/r9fjn] shf{ nufgLaf6 x'g] k|ltkmn ;d]t lg/Gt/ 36\bf] qmddf 5 . Aofh cGt/ sd ug]{ tyf nfugLnfO{ kf/bzL{ Pj+ k|lt:kwL{ agfpg] p2]Zon] g]kfn /fi6« a}+sn] cfwf/ Aofhb/ tyf :k|]8 b/sf] cjwf/0ff nfu' ul/;s]sf] 5 . o; hl6n kl/l:yltdf sf/f]jf/df ;lqmo /x]sf c;n u|fxsnfO{ sf/f]jf/af6 lj:yflkt x'g glbg sf/f]af/ j[l4 ug'{ tyf gofF If]qsf] vf]lh ug'{ sDkgLsf] nflu d'Vo r'gf}tL /x]sf] 5 .

5_ n]vfk/LIf0f k|ltj]bgdf s'g} s}lkmot pNn]v ePsf] eP ;f] pk/ ;+rfns ;ldltsf] k|ltlqmofM

cf=j=@)&@÷)&# sf] n]vfk/LIf0f k|ltj]bgdf a}lsª sf/f]jf/sf] l;nl;nfdf x'g] ;fdfGo s}lkmotx? afx]s ljQLo ;+:yfsf] sf/f]jf/df c;/ kfg]{ vfnsf cGo s'g} s}lkmotx? pNn]v ePsf 5}gg\ .

h_ nfef+z afF8kmfF8 ug{ l;kmfl/; ul/Psf] /sd M

o; cf=j=@)&@÷)&# df sDkgL gf]S;fgLd} /x]sfn] nfef+z jfF8kmfF8sf] Joj:yf ul/Psf] 5}g .

em_ 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 cufj} ;f] jfkt sDkgLn] k|fKt u/]sf] hDdf /sd / To:tf] z]o/ hkmt ePkl5 ;f] z]o/ ljqmL u/L sDkgLn] k|fKt u/]sf] /sd tyf hkmt ePsf] z]o/jfkt /sd lkmtf{ u/]sf] eP ;f]sf] ljj/0fM

o; ljQLo ;+:yfsf] k|ltj]bgsf] ldlt;Dd s'g} z]o/ hkmt ePsf] 5}g .




6

9_ ljut cfly{s jif{df sDkgL;+u ;DjlGwt ;Demf}tfx?df s'g} ;+rfns tyf lghsf] glhssf] gft]bf/sf] JolQmut :jfy{sf] jf/]df pknJw u/fPsf] hfgsf/Lsf] Joxf]/fM

;ldIff cjlwdf ljQLo ;+:yfnfO{ o; ;DjGwL s'g} hfgsf/L pknAw ePsf] 5}g .

0f_ sDkgLn] cfkm\gf] z]o/ cfkm}n] 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 u/] jfkt sDkgLn] e'QmfgL u/]sf] /sdM

;ldIff cjlwdf ljQLo ;+:yfn] cfkm\gf] z]o/ cfkm}n] vl/b u/]sf] 5}g .

t_ cfGtl/s lgoGq0f k|0ffnL eP jf gePsf] / ePsf] eP ;f]

sf] lj:t[t ljj/0f M

cfGtl/s lgoGq0f k|0ffnL Jojl:yt ug{ 5'§} rf6{8 PsfpG6]06sf] dftxtdf q}dfl;s ?kdf cfGtl/s n]vfkl/If0f u/fO{ k|ltj]bgdf lbOPsf ;'emfjx? sfof{Gjog ug]{ tyf :jtGq ?kdf /x]sf]

n]vfk/LIf0f ;ldltsf] a}7sn] lbPsf lgb]{zgx?sf] sfof{Gjog ug]{ Joj:yf ldnfOPsf] 5 ;fy} ;+:yfsf] cfGtl/s n]vfk/LIf0f sfo{nfO{ cem} ;zQm agfpb} n}hfg] nIo lnPsf] 5 .

y_ ljut cfly{s jif{sf] s'n Joj:yfkg vr{sf] ljj/0fM

ljj/0f cf=j= @)&@÷&#

s'n sd{rf/L vr{ ^,(!*,#$*.–

s'n sfof{no vr{ *,$^^,%$@.–

b_ n]vfk/LIf0f ;ldltsf ;b:ox?sf] gfdfjnL, lghx?n] k|fKt u/]sf] kfl/>lds, eQf tyf ;'ljwf, ;f] ;ldltn] u/]sf] sfd sf/jfxLsf] ljj/0f / ;f] ;ldltn] s'g} ;'emfj lbPsf] eP ;f]sf] ljj/0f

n]vfk/LIf0f ;ldlt M

!= >L /0fb]j s[i0f >]i7 ;+of]hs

@= 8f=v8fgGb b'nfn ;b:o

#= >L pdf nfld5fg] ;b:o ;lrj

`_ ljut cfly{s jif{df sDkgL / o;sf] ;xfos sDkgLsf] sf/f]jf/sf] k|ult / ;f] cfly{s jif{sf] cGtdf /x]sf] l:yltsf] k'g/fjnf]sgM

o; ljQLo ;+:yfsf] s'g} ;xfos sDkgL /x]sf] 5}g .

6_ sDkgL tyf To;sf] ;xfos sDkgLn] cfly{s jif{df ;DkGg u/]sf] k|d'v sf/f]jf/x? / ;f] cjlwdf sDkgLsf] sf/f]jf/df cfPsf] s'g} dxTjk'0f{ kl/jt{gM

o; sDkgLsf] s'g} ;xfos sDkgL g/x]sf] x'Fbf o;n] sDkgLsf] sf/f]af/df s'g} dxTjk"0f{ kl/jt{g cfPsf] 5}g .

7_ ljut cfly{s jif{df sDkgLsf] cfwf/e't z]o/wgLn] ljQLo ;+:yfnfO{ pknJw u/fPsf] hfgsf/LM

o; sDkgLsf s'g} klg cfwf/e"t z]o/wgLx?n] sDkgLnfO{ s'g} lnlvt jf df}lvs hfgsf/L pknAw u/fpg' ePsf] 5}g .

8_ ljut cfly{s jif{df sDkgLsf ;+rfns tyf kbflwsf/Lx?n] lnPsf] z]o/sf] :jfldTjsf] ljj/0f / sDkgLsf] z]o/ sf/f]jf/df lghx? ;+nUg /x]sf] eP ;f] ;DjGwdf lghx?jf6 sDkgLn] k|fKt u/]sf] hfgsf/LM

o; ljQLo ;+:yfsf ;~rfnsx?n] @)&# a}zfv d;fGt;Dd lnPsf] z]o/sf] :jfldTjsf] ljj/0f b]xfo adf]lhd /x]sf] 5 . ;fy} ;~rfns Pj+ kbflwsf/Lx? ljQLo ;+:yfsf] z]o/ sf/]faf/df ;+nUg /xg'ePsf] 5}g .

tklzn

gfd kb lnPsf] z]o/ ;+Vof

cflzjf{b kmlg{r/ pBf]u k|f= ln= sf tkm{af6 k|ltlglw >L d's'Gb k|;fb bfxfn æ;+:yfks tkm{Æ cWoIf !%)

>L d's'Gb k|;fb bfxfn æ;j{;fwf/0f tkm{Æ Æ !,&^*

>L l;l4uf]kfn dfgGw/ æ;+:yfks tkm{Æ ;~rfns !,&%)

>L 8f= v8fgGb b'nfn æ;+:yfks tkm{Æ ;~rfns !,&%)

>L /0fb]j s[i0f >]i7 æ;j{;fwf/0f tkm{Æ ;~rfns (*)

>L nId0f ofbj æ;j{;fwf/0f tkm{Æ ;~rfns @*)




7

pk/f]Qm adf]lhdsf] n]vfk/LIf0f ;ldltn] g]kfn /fi6« a}s nufot afx\o tyf cfGtl/s n]vfk/LIf0f k|ltj]bg pk/ lj:t[t cWoog tyf ljZn]if0f ul/ ;f]df pNn]lvt lgb]{zg Pj+ s}lkmotx?sf ;DaGwdf Joj:yfkgaf6 cfjZos hfgsf/L lnO{ ;f] sf] k|ltj]bg sfof{Gjogsf] l;kmfl/; Pj+ ;'emfj;lxt ;~rfns ;ldlt ;dIf k]z ug]{ u/]sf] 5 . o; cljlwdf n]vfk/LIf0f ;ldltsf kbflwsf/L dWo] ;+of]hs / ;+rfns ;b:onfO{ k|lt a}7s ?=@,))).– ?k}of a}7s eQf k|bfg ul/Psf] 5 .

w_ ;+rfns, k|aGw ;+rfns, sfo{sf/L k|d'v, sDkgLsf cfwf/e't z]o/wgL jf lghsf] glhssf gft]bf/ jf lgh ;+nUg /x]sf] kmd{, sDkgL jf ;+ul7t ;+:yfn] ljQLo ;+:yfnfO{ s'g} /sd j'dmfpg jfFsL eP ;f] s'/fM

;+rfns, k|aGw ;+rfns, sfo{sf/L k|d'v, sDkgLsf cfwf/e't z]o/wgL jf lghsf] gft]bf/ jf lgh ;+nUg /x]sf] kmd{, ljQLo ;+:yf jf ;+ul7t ;+:yfn] ljQLo ;+:yfnfO{ s'g}klg /sd j'emfpg jfFsL /x]sf] 5}g .

g_ ;+rfns, k|aGw ;+rfns, sfo{sf/L k|d'v tyf kbflwsf/Lx?nfO{ e'QmfgL u/LPsf] kfl/>lds, eQf tyf ;'ljwfsf] /sdM

cf=j= @)&@.)&# df lgDg /sd e'StfgL ul/Psf] 5 .

cWoIf tyf ;+rfnsx?nfO{ k|lt a}7s eQf qmdz ?=@@))÷– / @)))÷– tyf dfl;s kqklqsf vr{ jfkt ?=!%))÷– k|bfg ug]{ ul/Psf] 5 . ;fy} sDkgLsf k|d'v sfo{sf/L clws[t >L ljzfn x'dfufFO{nfO{ tna tyf eQf jfkt jflif{s ?=!@,^),)))÷– pknAw u/fOPsf] 5 . To;sf ;fy} OGwg tyf dd{t ;lxt ;]G6«f] sf/ tyf cGo ;'ljwf sd{rf/L lgodfjnL cg';f/ pknAw u/fOPsf] 5 .

k_ z]o/wgLn] a'lemlng aFfsL /x]sf] nfef+;sf] /sd M

xfn ;Dd nfef+; ljt/0f ul/Psf] 5}g .

km_ bkmf !$! adf]lhd ;DklQ vl/b jf ljqmL u/]sf] s'/fsf]

ljj/0fM

;ldIff cjlwdf ljQLo ;+:yfn] sDkgL P]g, @)^# sf] bkmf !$! adf]lhdsf] s'g} ;DklQ vl/b jf ljlqm u/]sf] 5}g .

a_ bkmf !&% adf]lhd ;Da4 sDkgL aLr ePsf] sf/f]af/sf] ljj/0fM

laQLo ;+:yfn] ;ldIff cjlwdf sDkgL P]g, @)^# sf] bkmf !&% adf]lhd cGo s'g} sDkgL;Fu ;Da4 /lx s'g} lsl;dsf] sf/f]af/ u/]sf] 5}g .

e_ P]g tyf k|rlnt sfg"g adf]lhd ;+rfns ;ldltsf] k|ltj]bgdf v'nfpg' kg]{ cGo s'g} s'/fM

P]g tyf k|rlnt sfg"g adf]lhd ;~rfns ;ldltsf] k|ltj]bgdf v'nfpg'kg]{ cGo s'g} s'/fx? gePsf] .

d_ cGo cfjZos s'/fx?M

!= o; ljQLo ;+:yf jf cGo ljleGg ljQLo ;+:yf o; ;+:yfdf ufEg]÷ufleg] ;DaGwdf cfjZos 5nkmnx? e} /x]sf] 5 .

@= cf=a=@)&#.)&$ sf] clGtd n]vfk/LIf0f ;DkGg ug{ n]vfk/LIfsdf ;'hg sfkm\n] P08 Pzf]lzo6\;sf rf6{8{ PsfpG6]G;\ >L ;'hg s'df/ sfkm\n]nfO{nfO{ ?=!,!),)))÷– -Ps nfv bz xhf/ dfq_ kfl/>lds lbg] ul/ lgo'QmL ug{ n]vfk/LIf0f ;ldltn] l;kmfl/; u/]sf] 5 ;f] sf] l:js[lt klg oxfFFx?af6 x'g] g} 5 . j}wflgs ?kdf lgh o; cf=j@)&#.)&$sf] n]=ksf nflu of]Uo x'g'x'G5 .

wGojfb 1fkg,

z]o/wgL dxfg'efjx?,

o; ljQLo ;+:yfnfO{ lg/Gt/ ;kmntftkm{ cuf8L a9fpg ;xof]u k'/\ofpg' x'g] z'e]R5's tyf g]kfn ;/sf/sf ;DjlGwt lgsfox?sf ;fy} ;xof]uL g]kfn /fi6« a}s, a}+s tyf ljQLo ;+:yfx? nufot g]kfn lwtf]kq af]8{, sDkgL /lhi6«f/sf] sfof{no, g]kfn lwtf]kq ljlgdo ahf/ ln= / ;xof]uL ;a} ;+3 ;+:yf, kmd{, sDkgL nufotsf dxfg'efjx?af6 tyf sDkgLsf nuglzn sd{rf/L ju{jf6 o; cjlwdf kfPsf] ;xof]usf nflu wGojfb lb+b} lg/Gt/ ;xof]u / z'e]R5f kfO/xg] ck]Iff /fv]sf 5f}+ .

wGojfb¤

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8

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z]o/wgLx¿ dxfg'efjx? ;dIf n]vfk/LIfs k|ltj]bg

;'hg sfk\mn] P08 P;f]l;P6\;rf6{8{ Psfp06]06\;

z]o/wgL dxfg'efjx?,!= xfdLn] k|f]u]lze kmfOgfG; lnld6]8, Go"/f]8, sf7df8f}+sf] o;} ;fy ;+nUg @)&# ;fn cfiff9 #! ut]sf] jf;nft tyf ;f]xL ldltdf ;dfKt cfly{s

jif{sf] gfkmf gf]S;fg lx;fj, gub k|jfx ljj/0f / OSjL6Ldf ePsf] kl/jt{gsf] n]vfkl/If0f u/L b]xfo adf]lhd k|ltj]bg k]z u/]sf 5f}+ . ljQLo lj/0fx? k|ltsf] pQ/bfloTj Joj:yfkgdf /x]sf] 5 . JOj:yfkgn] tof/ u/]sf tL ljQLo ljj/0fx? pk/ n]vfk/LIf0sf] cfwf/df cfkm\gf] dGtJo hf/L ug{' xfd|f] pQ/bfloTj xf] .

@= xfdLn] n]vfk/LIf0f ubf{ n]vfsf] ;j{dfGo l;4fGt, g]kfn n]vfdfg / g]kfn /fi6« a}+sn] hf/L u/]sf] lgb{]zgx?sf] cfwf/df ;DkGg u/]sf 5f}+ . ljQLo ljj/0fdf pNn]lvt /sd / v'nfOPsf cGo ljj/0fnfO{ k'i6\ofO{ ug{ k|df0fsf] 58\s] k/LIf0f ;d]t n]vfkl/If0fdf ;dfj]z x'G5 . sDkgLn] cjnDag u/]sf] n]vf l;4fGt, Joj:yfkgn] u/]sf] dxTjk"0f{ cg'dfg Pjd\ ljQLo ljj/0f k|:t'tLsf] ;du| l:yltsf] d"Nofª\sg klg n]vfkl/If0fdf ;dfj]z x'G5 . n]vfkl/If0fn] xfd|f] dGtJonfO{ kof{Kt cfwf/ k|bfg ug{] s'/fdf xfdL ljZj:t 5f}+ .

#= pk/f]Qm cg';f/ ljQLo ljj/0fx?sf] kl/If0f u/L b]xfo adf]lhd k|ltj]bg k]z ub{5f}+ .s_ xfdLn] n]vfkl/If0fsf] l;l;nfdf cfjZos 7fg]sf ;"rgf Pjd\ :ki6Ls/0fsf] ;fy} dfu u/]sf ljj/0fx? oyflz3| tyf ;Gtf]ifhgs ?kdf

k|fKt u¥of}+ . ;fy} xfdLn] dfu u/]sf zfvfx?sf] ljj/0f oBkL :jtGq?kdf n]vfkl/If0f gul/Psf] ePtfklg n]vfkl/If0fsf] nflu kof{Kt /x]sf] kfof}+ .

v_ sDkgLsf] lx;fj lstfa tyf >]:tf k|rlnt sfg"g adf]lhd l7s;Fu /flvPsf 5g\ .u_ ;+nUg jf;nft, gfkmf gf]S;fg, lx;fa lstfj tyf gub k|jfx ljj/0f sDkgL P]g @)^#, g]kfn n]vfdfg tyf g]kfn /fi6« a}+saf6 tf]lsPsf]

9fFrfdf tof/ ePsf / oL ljj/f0x? sDkgLsf] n]vf;+u 7Ls b'?:t 5g\ .$= xfd|f] ljrf/df xfdLnfO{ pknAw u/fPsf] :kli6s/0f tyf xfdLn] k|fKt u/]sf] ;"rgf tyf xfdLn] u/]sf] lx;fa lstfasf] k/LIf0faf6 sDkgLsf]

;+rfns ;ldlt, s'g} ;+rfns jf sd{rf/Ln]c= n]vf;Fu ;DalGwt sfg"gL Joj:yf ljkl/t sfdsfh u/]sf] jf sDkgLsf] j]ls;fj u/]sf] jf sDkgLsf] xfgL gf]S;fgL u/]sf] jf,cf= g]kfn /fi6« a}+ssf] lgb{]zg ljkl/t sfdsfh u/]sf] jf sDkgL jf lgIf]kstf{x?sf] lxt / ;+/If0f ljkl/t x]g] u/L sfd u/]sf] xfd|f]

hfgsf/Ldf cfPg .%= xfd|f] ljrf/df tyf xfdLn] u/]sf] lx;fj lstfjsf] k/LIf0faf6

c= n]vf l6Kk0fL g+= (, !* / !( n] lalQo ljj/0fdf kfg{] c;/af/] sDkgLn] hf]lvd a]xf]g{] sf]ifsf] lgldQ oy]i7 Joj:yf u/]sf] 5, tyfcf= sDkgLn] u/]sf] sf/f]jf/ sDkgLsf] clVtof/L leq /x]sf] b]lvG5 .

^= xfd|f] ljrf/df xfdLnfO{ pknAw u/fPsf] :kli6s/0fsf] tyf xfdLn] k|fKt u/]sf] ;"rgfsf] cfwf/df sDkgLsf] ;+nUg cfly{s ljj/f0 tyf ;f]xL ;fy ;+nUg ul/Psf] n]vf;+u ;DalGwt l6Kk0fLsf] ;fy} cWoog ubf{ aF"bf g+= % df pNn]lvt ljj/0fn] kfg{] c;/ afx]sMc= ;+nUg jf;nftn] sDkgLsf] @)&# ;fn cfiff9 #! sf] cfly{s cj:yf, tyfcf= gfkmf gf]S;fg lx;fa tyf gub k|jfx ljj/0fn] pNn]lvt ldltdf ;dfKt cfly{s jif{sf] qmdzM gf]S;fg tyf gub k|jfxsf] plrt Pj+ oyfy{

lrq0f ub{5 .O= ;fy} o; ljlQo ljj/0fn] g]kfn n]vfdfg -k|rlnt sfg"gn] Joj:yf u/] afx]s_, sDkgL P]g @)^# a}+s tyf ljlQo ;+:yf P]g @)^#, tyf

g]kfn /fi6« a}+ssf] lgb{]zgsf] kfngf ePsf] 5 .

l;P ;'hgs'df/ sfkm\n] k|d'v ;fem]bf/ lg= ;'hg sfkm\n] P08 P;f]l;P6\;, rf6{8{ Psfp06]06\;

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9

2073;fncfiff(d;fGtsf]

jf;nft

k'“hL tyf bfloTj cg';"rL o; jif{ -?=_ ut jif{ -?=_

1= z]o/k"“hL 4=1 200,160,000 120,000,000

2= hu]*ftyfsf]ifx? 4=2 -4,385,538_ -27,287,337_

3= C)fkqtyfj)* 4=3 – –

4= ltg{af“sLshf{;fk^ 4=4 – –

5= lgIf]kbfloTj 4=5 533,435313 303,100,789

6= e'QmfgLlbg"kg]{ljnx? 4=6 – –

7= k|:tfljtgubnfef+z – –

8= cfos/bfloTj – –

9= cGobfloTj 4=7 5,791,664 4,579,594

s'nbfloTj 735,001,438 400,393,046=42

;Dklt cg';"rL o; jif{ -?=_ ut jif{ -?=_

1= gubdf}Hbft 4=8 29,319,485 4,703,292

2= g]kfn/fi^«a}+sdf/x]sf]df}Hbft 4=9 17,031,262 21,697,527

3= a}+s÷ljQLo;+:yfdf/x]sf]df}Hbft 4=10 811,038 1,294,739

4= dfutyfcNk;"rgfdfk|fKtx'g]/sd 4=11 223,053,776 102,863,157

5= nufgL 4=12 11,899,570 5,269,341

6= shf{;fk^tyfljnv/Lb 4=13 435,128,666 253,360,690

7= l:y/;DklQ 4=14 6,895,948 2,745,637

8= u}/a}+lsª;DklQ 4=15 – –

9= cGo;DklQ 4=16 10,861,694 8,458,662=48

s"n;DklQ 735,001,438 400,393,046=42

;DefljtbfloTj cg';"rL 4=17

;~rfnsx?sf]#f]if)ff cg';"rL 4=29

k'FhLsf]iftflnsf cg';"rL 4=30

hf]lvdefl/t;DklQljj/)ftflnsf cg';"rL 4=30-s_

k|d'v;'rsf°x? cg';"rL 4=31

k||d'vn]vfgLltx? cg';"rL 4=32

n]vf;DaGwLl^Kk)fLx? cg';"rL 4=33

4=1b]lv4=17;Ddsfcg';"rLx?jf;nftsfcleGgc+ux'g\. xfd|f]cfhsf]ldltsf];+nUgk|ltj]bgsf]cfwf/df

b=/hgLzfSolg=n]vfk|d'v

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b=l;$Luf]kfndfgGw/

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10

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

gfkmf gf]S;fg lx;fa

ljj/0f cg';"rL o; jif{ -?=_ ut jif{ -?=_

1= JofhcfDbfgL 4=18 44,610,530 48,201,855

2= Jofhvr{ 4=19 25,127,310 24,736,766

v"bAofhcfDbfgL 19,483,220 23,465,088 3= sldzgtyfl*:sfp)^ 4=20 1,966 21,859

4= cGo;~rfngcfDbfgL 4=21 3,569,089 2,265,995

5= ;^xL#â(cfDbfgL 4=22 – –

s"n;~rfngcfDbfgL 23,054,274 25,752,943 6= sd{rf/Lvr{ 4=23 6,918,348 8,897,976

7= cGo;~rfngvr{ 4=24 8,466,542 6,890,865

8= ;^xL#â(gf]S;fg 4=22 – –

;Defljtgf]S;fgLJoj:yfcl#sf];~rfngd"gfkmf 7,669,384 9,964,101 9= ;Defljtgf]S;fgLJoj:yfx? 4=25 18,280,764 22,914,759

;~rfngd"gfkmf -10,611,380_ -12,950,658_10= u}/;~rfngcfDbfgL÷vr{ 4=26 854,883 115,710

11= ;Defljtgf]S;fgLJoj:yfaf^lkmtf{ 4=27 26,436,407 46,088,281

lgoldtsf/f]af/afêPsf]d"gfkmf÷vr{ 16,679,909 33,253,333 12= c;fdfGosf/]fjf/x?af^cfDbfgL÷vr{ 4=28 -7,143,750_ 29,281,589

;Dk")f{sf/f]af/;dfj]zkl%sf]v"bd"gfkmf 23,823,659 3,971,743 13= sd{rf/Laf]g;Aoj:yf 2,165,787 361,068

14= cfos/Joj:yf 708,110 8,930,313

o;jif{sf]s/Joj:yf 1,377,651 498,823

ljutjif{;Ddsf]s/Joj:yf – –

o;jif{sf]:yugs/-cfDbfgL÷vr{_ -669,541_ 8,431,490

v"bgfkmf÷gf]S;fg 20,949,762 -5,319,637_

4=18b]lv4=28;Ddsfcg';"rLx?gfkmfgf]S;fglx;fjsfcleGgc+ux'g\. xfd|f]cfhsf]ldltsf];+nUgk|ltj]bgsf]cfwf/df


b=ljzfnx'dfufO{

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11


gfkmf gf]S;fg af“8kmf“8 lx;fa ljj/0f cg';"rL o; jif{ -?=_ ut jif{ -?=_

cfDbfgL

1= utjif{;Ddsf];l~rtd'gfkmf –

2= o;jif{sf]d'gfkmf 20,949,762 –

3= ;^xL#^a(sf]if – –

hDdf 20,949,762 – vr{

1= utjif{;Ddsf];l~rtgf]S;fg 38,591,154 41,703,006

2= o;jif{sf]v'bgf]S;fg — 5,319,637

3= ;fwf/)fhu]*fsf]if 4,189,952 –

4= e}k/Lcfpg]hu]*f – –

5= ;+:yfljsf;sf]if – –

6= nfef+z;dLs/)fsf]if – –

7= sd{rf/L;DaGwLhu]*fx? – –

8= k|:tfljtnfef+z – –

9= k|:tfljtaf]g;z]o/ – –

10= ljz]ifhu]*fsf]if – –

11= ;^xL#^a(sf]if – –

12= k"“hLlkmtf{hu]*fsf]if – –

13= k"“hL;dfof]hgsf]if – –

14= :yugs/hu]*f 669,541 -8,431,490_

15= cGo-nufgL;dfof]hgsf]if_ – –

hDdf 43,450,647 38,591,154

;l~rtgfkmf -22,500,884_ -38,591,154_

xfd|f]cfhsf]ldltsf];+nUgk|ltj]bgsf]cfwf/df


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gub k|jfx ljj/0f o; jif{ -?=_ ut jif{ -?=_

-s_ sf/f]af/;~rfngaf^gubk|jfx -62,662,774_ 12,858,383 1= gubk|flKt 55,325,334 51,370,335 1=1 AofhcfDbfgL 44,610,530 48,201,855 1=2 sldzgtyfl*isfpG^cfDbfgL 1,966 21,859 1=3 ljb]zLljlgdosf/f]af/af^cfDbfgL – – 1=4 ckn]lvtshf{sf]c;"nL 7,143,750 880,626 1=5 cGocfDbfgL 3,569,089 2,265,995 2= gube'QmfgL -41,723,815_ -38,592,161_ 2=1 Aofhvr{ -25,161,625_ -24,700,435_ 2=2 sd{rf/Lvr{ -6,918,348_ -8,897,976_ 2=3 sfof{no;~rfngvr{ -6,949,923_ -4,993,750_ 2=4 cfos/e'QmfgL -2,693,919_ – 2=5 cGovr{ – – sfo{utk'“hLultljlwcl#sf]gubk|jfx 13,601,519 12,778,174 ;~rfng;DalGwrfn';DklQdfsdL÷-a[l$_ -307,027,778_ -31,889,568_ 1= dfutyfcNk;"rgfdfk|fKtx'g]/sddfsdL÷-j[l$_ -120,190,619_ -7,321,222_ 2= cGocNksfnLgnufgLdfsdL÷-j[l$_ -2,661,939_ -2,571,268_ 3= shf{tyfljN;vl/bdfsdL÷-j[l$_ -183,245,209_ -19,648,791_ 4= cGo;DklQdf-sdL÷-j[l$_ -930,010_ -2,348,287_ ;~rfng;DalGwrfn'bfloTjdf-sdL_÷j[l$ 230,763,485 31,969,777 1= lgIf]kbfloTjdf-sdL_÷j[l$ 230,334,523 30,913,361 2= ;l^{lkms]^ckml*kf]lh^df-sdL_÷j[l$ – – 3= cNksfnLg;fk^Ldf-sdL_÷j[l$_ – – 4= cGobfloTjdf-sdL_÷j[l$_ 428,962 1,056,416 -v_ nufgLsf/f]af/dfgubk|jfx 16,964 -630,727_ 1= bL#{sfnLgnufgLdfsdL÷-j[l$_ – – 2= :yL/;DklQdfsdL÷-j[l$_ -5,154,142_ -746,437_ 3= bL#{sfnLgnufgLdfJofhcfDbfgL 115,900 – 4= nfef+zcfDbfgL 5,055,206 115,710 5= cGo 82,112,037 – -u_ ljQLo>f]tsf/f]af/af^gubk|jfx – – 1= bL#{sfnLgC)f-j)*,l*j]Gr/cflb_dfj[l$÷-sdL_ 80,160,000 – 2= z]o/k'“hLdfj[l$÷-sdL_ – – 3= cGobfloTjdfj[l$÷-sdL_ – – 4= g]kfn/fi^«a}+saf^k|fKt;x'lnotk"g/shf{dfj[l$÷-sdL_ – – 5= z]o/k|Lldodk|fKt 1,952,037 – -#_ gubtyfa}+sdf}Hbftsf]ljlgdob/dfePsf]km/saf^cfDbfgL÷vr{ – – -ª_ o;jif{sf];Dk")f{ultljlwaf^gubk|jfx 19,466,227 12,227,655 -r_ gubtyfa}+sdf/x]sf]z'?df}Hbft 27,695,558 15,467,902 -%_ gubtyfa}+sdf/x]sf]clGtddf}Hbft 47,161,785 27,695,558

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14

ljj/0f o; jif{ -?=_ ut jif{ -?=_

1= z]o/k"“hL

1=1 clws[tk"“hL 400,000,000.00 400,000,000.00

s_4,000,000;fwf/)fz]o/k|ltz]o/?=100n] 400,000,000.00 400,000,000.00

v_========gg\l/l*d]jnlk|km/]G;k|ltz]o/?=======n] – – u_========l/l*d]jnlk|km/]G;z]o/k|ltz]o/?=======n] – –

1=2hf/Lk"“hL 210,000,000.00 210,000,000.00 s_2,100,000;fwf/)fz]o/k|ltz]o/?=100n] 210,000,000.00 210,000,000.00

v_=======gg\l/l*d]jnlk|km/]G;k|ltz]o/k|ltz]o/?============n] – –

u_=======l/l*d]jnlk|km/]G;z]o/k|ltz]o/?============n] – –

1=3 r'Qmfk"“hL 200,160,000.00 120,000,000.00 s_2,001,600;fwf/)fz]o/k|ltz]o/?=100n] 200,160,000.00 120,000,000.00

v_=======gg\l/l*d]jnlk|km/]G;z]o/k|ltz]o/?=========n] – –

u_=======l/l*d]jnlk|km/]G;z]o/k|ltz]o/?============n] – –

1=4k|:tfljtaf]g;z]o/ – –

1=5sN;OgP*efG; – –

@)&# ;fn cfiff9 d;fGtsf]

z]o/ k"“hL tyf :jfldTjcg';"rL4=1

z]o/ :jfldTj

z]o/ :jfldTj ljj/0f o; jif{ -?=_ ut jif{ -?=_

k|ltzt z]o/ k"“hL z]o/ k"“hL k|ltzt

1= :jb]zL:jfldTj 100=00 200,160,000=00 120,000,000=00 100=00

1=1g]kfn;/sf/ – – – –

1=2æsÆju{sf]Ohfhtkqk|fKt;+:yfx? – – – –

1=3cGoOhfhtkqk+|fKt;+:yfx? – – – –

1=4cGo;+:yfx? – – – –

1=5;j{;fwf/)f 41=97 84,000,000=00 48,000,000=00 40=00

1=6cGo 58=03 116,160,000=00 72,000,000=00 60=00

2= a}b]lzs:jfldTj – – – –

hDdf 100=00 200,160,000=00120,000,000=00 100=00




15


)=% k|ltzteGbf a9L z]o/ ePsf z]o/wgLx?sf] ljj/0f

qm=;+= Gffd k|ltzt % z]o/ lsQf

&=$(^=((^=(%%=$@%=))$=&^$=@%#=^##=%)#=#

@=(&@=*@@=$)@=!^@=!!!=^@!=@&!=!%)=(&)=*&)=*%)=*))=&%)=^%)=^!)=%%)=%%)=%@)=%@

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

!%)($!!

wd{ k|;fb ltldlN;gfr'8fdl0f ltldlN;gfkm8]Gb| k|;fb cfrfo{ -s_;'o{ dfgGw/zfGtf k|;fb ltdlN;gfozf]bf kf}8]ndf]xg k|;fb 9sfntf]ofgfy kf}8]nk'?iff]td b]jsf]6fOZj/L aGhf/f;'hg h+ud;/:jtL ltdlN;gfpd]z l3ld/]kNk;f OGe]i6d]06 s= k|f= ln=;lGbk ltdlN;gf/GhLt nfld5fg];'/]z zfSotyfut OGe]i6d]06 k|f= ln=zfGtL cfrfo{gf/fo0f axfb'/ sfsL{/f]lx0fL sfo:ycGhLdf b]aL >]i7sfhf]n s'j/km8]Gb| k|;fb cfrfo{ -v_cGhLdf b]aL >]i7/]h Soflk6n P08 Oge]i6d]06 s=t'N;L eQm >]i7od'gf bfxfnhgs b]jsf]6f

hDdf

cg';"rL4=1-s_

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




16


1= ;fwf/)f÷a}wflgshu]*fsf]if 8,619,450 4,429,497

2= k"“hLuthu]*fsf]if 6,796,664 4,844,628

3= k"“hLlkmtf{hu]*fsf]if(Capital Redemption Reserve) – –

4= k"“hL;dfof]hgsf]if – –

5= cGohu]*ftyfsf]if – –

5=1e}k/Lcfpg]hu]*f – –

5=2;+:yfljsf;sf]if – –

5=3nfef+z;lds/)fsf]if – –

5=4ljz]ifhu]*fsf]if – –

5=5;DklQk'g{d'Nof+sgsf]if – –

5=6:yugs/hu]*f 2,699,232 2,029,692

5=7cGo:jtGqsf]if – –

5=8cGohu]*fsf]if-z]o/lk|ldod_ – –

5=9nufgLhu]*fsf]if – –

6= ;l~rtgfkmf÷gf]S;fg -22,500,884_ -38,591,154_

7= ;^xL#^a(sf]if – –

hDdf -4,385,538_ -27,287,337_


hu]8f tyf sf]ifx¿cg';"rL4=2


1= =========k|ltztj)*÷C)fkqk|ltj)*÷C)fkq=====?=n]===========

ldlt==============dfhf/LePsf]/ldlt==============dfr'Stfx'g]

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

2= =========k|ltztj)*÷C)fkqk|ltj)*÷C)fkq=====?=n]===========

ldlt==============dfhf/LePsf]/ldlt==============dfr'Stfx'g]

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

3= ==================

hDdf1±2±3


C0fkq tyf j08cg';"rL4=3




17


ltg{ af“sL shf{ tyf ;fk6Lcg';"rL4=4


s= :jb]zL 1=g]kfn;/sf/ – –

2=g]kfn/fi^«a}+s – –

3=l/kf]bfloTj – –

4=cGt/a}+styfljQLo;+:yf – –

5=cGo;+ul&t;+:yfx? – –

6=cGo – –

hDdf – – v= ljb]zL 1=a}+sx? – –

2=cGo – –

hDdf-s + v_ – –




18


lgIf]k lx;facg';"rL4=5

ljj/0f o; jif{ –?= ut jif{ –?=

!= Jofh ltg'{ gkg]{ vftfx? s=rNtLd'b|fdf 1=:jb]zLd'b|fdf

1=1g]kfn;/sf/

1=2æsÆju{sfOhfhtkqljQLo;+:yfx?

1=3cGoOhfhtkqk|fKtljQLo;+:yfx?

1=4cGo;+ul&t;+:yfx?

1=5JolQmut

1=6cGo

2=ljb]zLd'b|fdf 2=1g]kfn;/sf/

2=2æsÆju{sfOhfhtkqljQLo;+:yfx?

2=3cGoOhfhtkqk|fKtljQLo;+:yfx?

2=4cGo;+ul&t;+:yfx?

2=5JolQmut

2=6cGo

v=dflh{g

1=sd{rf/Lhdfgt

2=hdfgtdflh{g – –

3=k|lttkqdflh{g

u=cGo

1=:jb]zLd'b|fdf

1=1ljQLo;+:yfx?

1=2cGo;+ul&t;+:yfx?

1=3JolQmut

2=ljb]zLd'b|fdf

2=1ljQLo;+:yfx?

2=2cGo;+ul&t;+:yfx?

2=3JolQmut

Aofhltg'{gkg]{vftfx?sf]hDdf – –

@= Jofh ltg'{ kg]{ vftfx?

s=artlx;fa 125,746,352 93,029,270=00 1=:jb]zLd'b|fdf 125,746,352 93,029,270=00

1=1;+#;+:yfx? – –

1=2JolQmut 125,746,352 93,029,270=00

1=3cGo – –

2=ljb]zLd'b|fdf – –

2=1;+#;+:yfx? – –

2=2JolQmut – –

2=3cGo – –




19


v= d'@tLlx;fa 140,165,901 143,513,976 1=:jb]zLd'b|fdf 140,165,901 143,513,976

1=1;+#;+:yfx? 30,000,000 –

1=2JolQmut 110,165,901 143,513,976

1=3cGo – –


2=1;+#;+:yfx?cGo – –

2=2JolQmut – –

2=3cGo – –

u=dfu]sf]avtltg'{kg]{lx;fa 265,036,896 63,084,951 1=:jb]zLd'b|fdf 265,036,896 63,084,951

1=1sju{sfOhfhtkqk|fKt;+:yfx? – –

1=2cGoOhfhtkqk|fKtljQLo;+:yfx? 265,036,896 63,084,951

1=3cGo;+ul&t;+:yfx? – –

1=4JolQmut – –

1=5cGo – –


1=1sju{sfOhfhtkqk|fKt;+:yfx? – –

1=2cGoO=k|f=ljQLo;+:yfx? – –

1=3cGo;+ul&t;+:yfx? – –

1=4JolQmut – –

1=5cGo – –

#=;l^{lkms]^ckml*kf]lh^ – – 1=;+ul&t;+:yf – –

2=JolQmut – –

3=cGo – –

ª=cGolgIf]k 2,486,163 3,472,593 1=JolQmut 2,486,163 3,472,593

2=cGo;+:yfx¿ – –

Aofhltg'{kg]{vftfx?sf]hDdf 533,435,313 303,100,789

-1±2_hDdflgIf]k 533,435,313 303,100,789


e'StfgL lbg'kg{] ljnx¿cg';"rL4=6


1=:jb]zLd'b|f – –

2=ljb]zLd'b|f – –

hDdf – –




20


cGo bfloTj tyf Joj:yfcg';"rL4=7


1= k]G;g÷pkbfgsf]if 1,334,304 2,161,803

2= sd{rf/L;~rosf]if – –

3= sd{rf/LsNof)fsf]if 252,388 252,388

4= sd{rf/Laf]g;Joj:yf 2,567,075 401,288

5= lgIf]kdfe'QmfgLlbgaf“sLAofh 2,016 36,332

6= shf{tyf;fk^dfe'QmfgLlbgaf“sLAofh – –

7= kfsLg;s]sf]sldzg – –

8= ;)*«Lqm]l*^;{ 571,824 360,922

9= zfvfldnfglx;fa – –

10= :yugs/bfloTj – –

11= e'QmfgLlbgafsLnfef+z – –

12= cGo 1,064,057 1,366,861

12=1 n]vfk/LÔ)fz'Ns – 83,625

12=2 ljbfjfktsf]/sde'QmfgLJoj:yf 561,940 955,283

12=3 e'QmfgLug{afFsLl^=l*=P; 502,117 316,173

12=3 e'QmfgLug{afFsL^]lnkmf]gvr{ – 11,779

hDdf 5,791,664 4,579,594


gub df}Hbftcg';"rL4=8


1=:jb]zLd'b|f-l;Ssf;d]t_ 29,319,485 4,703,292


hDdf 29,319,485 4,703,292


g]kfn /fi6« a}+sdf /x]sf] df}Hbftcg';"rL4=9

ljj/0f :jb]zL d'b|f

ljb]zL d'b|f s"n -?=_ ut jif{ -?=_ ef=?= kl/jTo{ lj=d'= hDdf

1= g]kfn/fi^«a}+s 17,031,262 – – – 17,031,262 21,697,527

s=rNtLvftf 17,031,262 – – – 17,031,262 21,697,527

v=cGovftf – – –




21


nufgLcg';"rL4=12

ljj/0f

k|of]hg o; jif{ -?=_ ut jif{ -?=_ Jofkfl/s cGo

1= g]kfn;/sf/sf]^«]h/Llan – – – –

2= g]kfn;/sf/sf]artkq – – 5,000,000 3,200,000=00

3= g]kfn;/sf/sf]C)fkq – – – –

4= g]kfn/fi^«a}+sC)fkq – – – –

5= lab]zLC)fkq – – – –

6= :jb]zLOhfhtkq;+:yf – – – –

7= lab]zLa}+s – – – –

8= ;+ul&t;+:yfx?sf]z]o/ – – 6,951,190 2,069,341

9= ;+ul&t;+:yfx?sf]l*j]Gr/tyfaG* – – – –

10= cGonufgL – – – 696,427

s'nnufgL – – 11,951,190 5,965,768

Joj:yf – – 51,620 696,427

v'bnufgL – – 11,899,570 5,269,341


a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbftcg';"rL4=10

ljj/0f :jb]zL d'b|f

ljb]zL d'b|f s"n -?=_ ut jif{ -?=_ ef=?= kl/jTo{ lj=d'= hDdf

1= :jb]zLOhfhtkqk|fKt;+:yfx? s=rNtLvftf 811,038 – – – 811,038 1,294,739

v=cGovftf – – – – – –

2=ljb]zLa}+sx? s=rNtLvftf

v=cGovftf

hDdf 811,038 – – – 811,038 1,294,739


dfu tyf cNk;"rgfdf k|fKt x'g] /sdx?cg';"rL4=11


1=:jb]zLd'b|f 223,053,776 223,053,776 223,053,776 102,863,157


hDdf 223,053,776 102,863,157




22


z]o/, l8j]Gr/ tyf a08df nufgLcg';"rL4=12-s_

ljj/0f

k/n ahf/ Joj:yf ut jif{ -?=_

df]n -!_ d"No -@_ /sd

1= z]o/nufgL 6,951,190 11,469,477 51,6202,069,341 1=1PnfOG;OG:of]/]G;sDkgLln= – – – 138,500

1700lsQf;fwf/)fz]o/,k|ltz]o/?=100n]r"Qmf

-af]gzz]o/315;lxt_ — — — —

1=2shf{;"rgfs]Gb| 94,500 – – 94,500

2800lsQf;fwf/)fz]o/,k|ltz]o/?=100n]r"Qmf

-af]gzz]o/1855;lxt_— – – —

1=3g]kfnlSnol/·xfp;ln= 100,000 – – 100,000

1000lsQf;fwf/)fz]o/,k|ltz]o/?=100n]r"Qmf — – — —

1=4nIdLn#'ljQljQLo;+:yfln= 4,100 137,555 4,100

41lsQf;fwf/)fz]o/,k|ltz]o/?=100n]r'Qmf

1=5?n/dfOs|f]]kmfOgfG;ln= 775,314 1,549,008 –

%)) lsQf ;fwf/0f z]o/, k|ltz]o/ ?=^(^=#^n] r'Qmf

^!^ lsQf ;fwf/0f z]o/, k|ltz]o/ ?=^(#=$)n] r'Qmf

1=6hnljw'txfO*«f]kfj/ 579,300 2,508,369

%&(#lsQf;fwf/)fz]o/,k|ltz]o/?=100n]r'Qmf

1=7u'/fF;nfOkmOG:of]/]G;sDkgLln= 641,570 589,950 51,620 329,353

%)) lsQf ;fwf/0f z]o/, k|lt z]o/ !)#^=$@ n] r'Qmf

!@! lsQf ;fwf/0f z]o/, k|lt z]o/ !)!(=$$ n] r'Qmf

1=8;"o{nfOkmOG:of]/]G;sDkgLln= 390,799 573,400 494,274

^!) lsQf ;fwf/0f z]o/, k|lt z]o/ ^$)=^% n] r'Qmf

1=8g]kfnb"/;~rf/sDkgLlnld^]]* 904,000 964,600 903,815

!)) lsQf ;fwf/0f z]o/, k|ltz]o/ ?=^$@n] r'Qmf

$)) lsQf ;fwf/0f z]o/, k|ltz]o/ ?=^$^n] r'Qmf

$)) lsQf ;fwf/0f z]o/, k|ltz]o/ ?=^$^n] r'Qmf

^)) lsQf ;fwf/0f z]o/, k|ltz]o/ ?=^$*n] r'Qmf

1=10a?)fxfO*«f]kfj/sDkgLln= 1,000

!) lsQf ;fwf/0f z]o/, k|ltz]o/ ?=!)) n] r'Qmf

1=11ljhon#'ljQljQLo;+:yfln= 2,300 40,250 2,300


1=12cfO{=Pn=Pkm=l;=cf]]=dfOqmf]kmfOgfG;ljQLo;+:yfln= 1,500 23,895 1,500


1=13lxdfnoghg/nOG:of]/]G;ln= 1,088,730 2,145,900

$# lsQf ;fwf/0f z]o/, k|ltz]o/ ?=^($=@#n] r'Qmf

!%!@ lsQf ;fwf/0f z]o/, k|ltz]o/ ?=&))=#!n] r'Qmf

1=14g]zgn nfOkm OG:of]/]G; ln= 440,291 541,200

!%) lsQf ;fwf/0f z]o/, k|ltz]o/ ?=@^*$=$(n] r'Qmf

!$ lsQf ;fwf/0f z]o/, k|ltz]o/ ?=@^*^=(( n] r'Qmf

afFsL csf{] k[i7df ===




23


Jofkfl/s nufgL (Held for Trading)cg';"rL4=12=1

k/n kl5Nnf] xfnsf] cg';"rL ut jif{sf] ljj/0f d'No -?=_ ahf/ ahf/ $=! gfkmf÷ s}lkmot d"No -s_ d"No -v_ gf]S;fg /sd

1=g]kfn;/sf/sf]^«]h/Lljn

2=g]kfn;/sf/sf]artkq – – – – –

3=g]kfn;/sf/sf]cGoC)fkq – – – – –

4=g]kfn/fi^«a}+sC)fkq – – – – –

5=lab]zLC)fkq – – – – –

6=:jb]zLOhfhtkqk|fKt;+:yfsf]z]o/ – – – – –

7=:jb]zLOhfhtkqk|fKt;+:yfsf]l*j]~r/tyfj)* – – – – –

8=:j]b]zL;+ul&t;+:yfsf];]o/,l*j]~r/tyfj)* – – – – –

9=ljb]zLa}+snufgL(Placement) – – – – –

10=Interbank Lending – – – – –

11=cGonufgL – – – – –

s"nnufgL – – – – –

ljj/0f

k/n ahf/ Joj:yf ut jif{ -?=_

df]n -!_ d"No -@_ /sd

1=15g]kfn nfOkm OG:of]/]G; ln= 907,385 1,001,500

@%) lsQf ;fwf/0f z]o/, k|ltz]o/ ?=#^@(=%$ n] r'Qmf

1=16?n/ dfOs|f]] 8]enkd]G6 sDklg ln= 968,830 1,388,000

!))) lsQf ;fwf/0f z]o/, k|ltz]o/ ?=(^*=*# n] r'Qmf

1=17d]/f] kmfOs|f]kmfOgfG; ljQLo ;+:yf ln= 4,100

$! lsQf ;fwf/0f z]o/, k|ltz]o/ ?=!)) n] r'Qmf

1=18l/nfoan dfOs|f]]kmfOgfG; ln= 1,000 5,850

!) lsQf ;fwf/0f z]o/, k|ltz]o/ ?=!)) n] r'Qmf

2= Unf]ancfO=Pd=O{sf]Do'rnkmG* 47,470 s'nnufgL 6,951,189 11,469,477 51,620 2,069,341

3= hf]lvd;DaGwLJoj:yf – – – – 3=1utjif{;Ddsf]Joj:yf – – –

3=2o;jif{yk÷#^ 51,620 – –

s"nJoj:yf 51,620 – – –

v"bnufgL 6,899,570 — —2,069,341

cl3Nf] k[i7sf] afFsL c+z ===




24


e'QmfgL ldlt;Dd wf/0f ug]{ (Held to Maturity)

cg';"rL4=12=2

k/n xfn;Ddsf] o; jif{sf] o; jif{sf] ut jif{sf] ljj/0f d'No -?=_ Iflt Iflt gfkmf÷ gfkmf÷ s}lkmot /sd -s_ /sd -v_ gf]S;fg -s–v_ gf]S;fg /sd

1= g]kfn;/sf/sf]^«]h/Lljn – – – – –

2= g]kfn;/sf/sf]artkq 5,000,000 – – – –

3= g]kfn;/sf/sf]cGoC)fkq – – – – –

4= g]kfn/fi^«a}+sC)fkq – – – – –

5= lab]zLC)fkq – – – – –

6= :jb]zLOhfhtkqk|fKt;+:yfsf];]o/ – – – – –

7= :jb]zLOhfhtkqk|fKt;+:yfsf]l*j]~r/tyfj)* – – – – –

8= :j]b]zL;+ul&t;+:yfsf];]o/,l*j]~r/tyfj)* – – – – –

9= ljb]zLa}+snufgL(Placement) – – – – –

10= cGonufgL – – – – –

s"nnufgL 5,000,000 – – – –


ljqmLsf] nflu pknAw (Available for Sale)

cg';"rL4=12=3

k/n kl5Nnf] xfnsf] o; jif{sf] ut jif{sf] ljj/0f d'No -?=_ ahf/ ahf/ gfkmf÷ gfkmf÷ s}lkmot d"No -s_ d"No -v_ gf]S;fg -s–v_ gf]S;fg /sd

1= g]kfn;/sf/sf]^«]h/Lljn – – – – –

2= g]kfn;/sf/sf]artkq – – – – –

3= g]kfn;/sf/sf]cGoC)fkq – – – – –

4= g]kfn/fi^«a}+sC)fkq – – – – –

5= lab]zLC)fkq – – – – –

6= :jb]zLOhfhtkqk|fKt;+:yfsf];]o/ – – – – –

7= :jb]zLOhfhtkqk|fKt;+:yfsf]l*j]~r/tyfj)* – – – – –

8= :j]b]zL;+ul&t;+:yfsf];]o/,l*j]~r/tyfj)* – – – – –

9= ljb]zLa}+snufgL(Placement) – – – – –

s"nnufgL – – – – –




25

@)&#

;fn

cfiff9 d

;fGt

sf]

sh

f{ ;fk

6 t

yf l

an v

l/b

ju

L{s/0

f / ;

f]sf] n

flu Jo

j:y

f

s

hf{

v

/Lb

ty

f l8

isfp

G6

ljj/

0f

:

jb]z

L

o;

jif

{ ?=

ut

jif

{ ?=

k|f=I

f]÷lj

kGg

ju

{ c

Go

ljb

]zL

hDd

f :j

b]z

L lj

b]z

L h

Ddf

ljld

t

c

ljld

t

1=

;l

qmo

sh

f{;f

k^(

Perf

orm

ing)

0=

00

439,

998,

713.

67

–43

9,99

8,71

3.67

–

––

439

,998

,713

.67

25

6,23

6,22

0=13

-s_

c;n

–0=

00

427,

328,

948.

18

–42

7,32

8,94

8.18

–

427,

328,

948.

18

2496

0571

0=26

-v_

;"Id

lgu/

fgL

–

0=00

12

,669

,765

.49

–12

,669

,765

.49

–

12

,669

,765

.49

66

3050

9=87

2=

lg

l:qm

os

hf{

;fk^

(N

on P

erfo

rmin

g)

0=00

7

,122

,587

.68

7

,122

,587

.68

7,1

22,5

87.6

8

7,63

9,87

2=04

2=

1k'g

/;+/r

gf.

k'g/

tfln

sLs

/)f

–

–

–

–

–

–

–

–

––

2=2

sd;

n

–

–

52

0,10

2.59

–

520

,102

.59

–

–

–

520,

102.

59

–

2=3

z+s

f:kb

–

–

78

,895

.31

–

78,8

95.3

1

–

–

–

78,

895.

31

1,

308,

060=

86

2=4

v/f

a

–

0=

00

6

,523

,589

.78

–

6,5

23,5

89.7

8

–

–

–

6

,523

,589

.78

63

3181

1=18

-s

_

s'n

sh

f{ty

f;f

k^

–

0=00

447

,121

,301

.35

–

44

7,12

1,30

1.35

–

–

–

447

,121

,301

.35

26

3,87

6,09

2=17

3=

sh

f{gf

]S;fg

LJo

j:yf

––

3=1

c;n

–

0=

00

4

,273

,289

.48

–

4,2

73,2

89.4

8

–

–

4,

273,

289.

48

2,4

96,0

57=1

0

3=2

;"Id

lgu/

fgL

–

0=00

506

,790

.62

–

506,

790.

62

–

–

5

06,7

90.6

2

132,

610=

20

3=3

k'g/;

+/rgf

ul/

Psf]

–

–

–

–

–

–

–

–

0

.00

–

3=4

sd;

n

–

–

1

30,0

25.6

5

–

13

0,02

5.65

–

–

–

130

,025

.65

–

3=5

z+s

f:kb

–

–

3

9,44

7.66

–

39,

447.

66

–

–

–

39,4

47.6

6

654,

030=

43

3=6

v/f

a

0=

00

6,52

3,58

9.78

6,5

23,5

89.7

8

6,52

3,58

9.78

6,

331,

811=

18

3=7

cltl

/Qm

–

–

5

19,4

92.2

5–

519

,492

.25

–

–

–

519,

492.

25

900

,893

=03

-v

_

s'n

sh

f{gf

]S;fg

LJo

j:yf

–

0=

00

11

,992

,635

.43

–

1

1,99

2,63

5.43

–

–

–

11,9

92,6

35.4

3

10,5

15,4

01=9

4

4=

ut

jif{;

Dds

f]Jo

j:yf

–

–

–

–

–

–

–

–

–

4=

1c;

n

–

0=0

0

2,4

96,0

57.1

0

–

2,49

6,05

7.10

–

–

–

2,49

6,05

7.10

2,

339,

940=

97

4=2

;"Id

lgu/

fgL

–

132

,610

.20

–

–

–

–

––

–

4=3

k'g/;

+/rgf

ul/

Psf]

–

–

–

–

–

–

–

–

–

4=4

sd;

n

–

–

–

–

0

=00

–

–

–

–

0=

00

4=5

z+s

f:kb

–

–

65

4,03

0.43

–

654,

030.

43

–

–

–

654,

030.

43

1,32

9,53

1=26

4=6

v/f

a

–

0

=00

6,33

1,81

1.18

–

6,3

31,8

11.1

8

–

–

–

6

,331

,811

.18

42

,953

,115

=14

4=7

cltl

/Qm

–

–

90

0,89

3.03

–

900,

893.

03

–

–

–

9

00,8

93.0

3

583,

094=

26

-u

_ut

jif{;

Dds

f]s

'nJ

oj:y

f

–

0=00

10,

515,

401.

94

–

10,

515,

401.

94

–

–

–

1

0,51

5,40

1.94

47

,205

,681

=63

-#

_ut

jif{s

f]gf

]S;fg

LJo

j:yf

af^

lkmt

f{

–

–

-

1,47

7,23

3.49

_

–

-1,4

77,2

33.4

9_

–

–

–

-1,

477,

233.

49_

36

,690

,279

=69

-ª

_o;

jif{s

f]yk

Joj

:yf

–

–

–

–

–

–

–

–

–

9,

313,

808=

69

-r

_o;

jif{s

f]Jo

j:yf

af^

lkmt

f{

–

–

–

–

–

–

–

–

–

–

-%_

o;j

if{sf]

v'b

yk#^

–

–

-1

,477

,233

.49_

–

-1,4

77,2

33.4

9_

–

–

–

-1

,477

,233

.49_

9,

313,

808=

69

v'b

sh

f{-s

–v_

–

0=

00

435,

128,

665.

92

0=0

0

435

,128

,665

.92

0=0

0

0

=00

0=0

0

4

35,1

28,6

65.9

2

253,

360,

690=

23

cg';"r

L4=

13




26


shf{, ;fk6 / ljN; v/Lbsf] ;'/If0fcg';"rL4=13-s_


s_ ;'/lIft 1=rn÷crn;DkQLsf];'/If)fdf 444,258,902 260,662,870

2=:jb]zLOhfhtkqk|fKt;+:yfsf]hdfgtdf – –

3=;/sf/Lhdfgtdf-o'jf:j/f]huf/_ – –

4=cGt/f{li^«o>])fLs[ta}+ssf]hdfgtdf – –

5=lgof{tsfuhft(Export Document)sf];'/If)fdf – –

6=d'@tL/;Lbsf];'/If)fdf – –

-s_;+:yfsf]cfkm\g}d'@tL/;Lbsf];'/If)f 264,938 3,212,322

-v_cGoOhfhtkqk|fKt;+:yfsf]d'@tL/;Lbsf];'/If)f – –

7=;/sf/LC)fkqsf];'/If)fdf – –

8=sfp)^/hdfgtdf – –

9=JolQmuthdfgtdf 2,597,461 901

10=cGo;'/If)fdf 38,242,430 –

v_ c;'/lIft – –

hDdf 447,121,301 263,876,092


l:y/ ;DklQcg';"rL4=14

ljj/0f

;DkQL o; jif{ ?= ut jif{ ?=

ejg kl/jxg sDKo"6/ oGq pks/0f / sfof{no sf7sf] tyf cGo

;fwg pks/0f cf}hf/ sfof{no ;fdfg wft'sf] pks/0f

1= k/ndf]n

-s_utjif{sf]df}Hbft –1,834,4251,560,4472,264,589 – 1,408,458 767,8007,835,7196,890,948

-v_o;jif{yk – 26,555 2,176,032 906,055 145,456 16,950 397,195 3,668,243 746,437

-u_o;jif{k'g{d"Nof+sg÷k'gn]{vg – – – – – – – – –

-#_o;jif{sf]laqmL – – – – – – – – –

-ª_o;jif{sf]ckn]vg – –414,120 407,495 – 13,635 – 835,250

s"n-s±v±u±#±ª_k/ndf]n –1,860,980 3,322,359 2,763,149 145,456 1,411,773 1,164,995 10,668,712 7,637,386

2= x«f;s§L

-s_utjif{;Ddsf]df}Hbft –1,161,768 873,986 1,662,33 – 1,052,876 351,893 5,102,855 4,082,175

-v_o;jif{sf] – 138,072 340,968 261,192 12,121 91,334 186,660 1,030,348 822,346

-u_x«f;s§Lk'g{d"Nof+sg÷k'gn{]vg – – – – – – – – – –

-#_x«f;s§L/sd;dfof]hg÷lkmtf{ – – 333,210 328,405 – 13,492 – 675,107 –

s"nx«f;s§L – 1,299,840 1,548,164 2,251,928 12,121 1,157,703 538,553 5,458,096 4,904,521

3=a"sEofn'(WDV*)-1–2_ – 561,140 1,774,196 511,221 133,335 254,070 626,442 5,210,616 2,732,864

4=hUuf – – – – – – – – –

5=k"“hLutlgdf{)f-k"“hLs/)ful/g'kg]{_ – – – – – – – – –

6=nLhxf]N*;DklQ – – – – – – – 1,685,332 12,773

hDdf-3±4±5±6_ – 561,140 1,774,196 511,221 133,335 254,070 626,442 6,895,948 2,745,637




27


u}/ a}ls+u ;DklQcg';"rL4=15

C0fL jf kf6L{sf] u}/ a}+ls+u ;sf/ s"n u}/ a}ls+u gf]S;fgL Joj:yf v'b u}/ a}+ls+u ut jif{ ?= gfd 7]ufgf u/]sf] ldlt ;DklQ /sd ?= k|ltzt /sd ?= ;DklQ ?=

– – – –8,336,132=00

– – – – –

s"nhDdf – – –8,336,132=00


cGo ;DklQcg';"rL4=16


1= d;nGbdf}Hbft – 52,549 113,692

2= nufgLdfc;'nug{af“sLcfDbfgL – 66,167 –

3= shf{dfc;'nug{af“sLAofh 3,583,166 – 6,197,663

Go"gMAofhd"NtjL/sd –3,583,166 0=00 –6,197,663

4= c;"nug{af“sLsldzg – – –

5= ;G*«L*]^;{ – 398,155 538,555

6= sd{rf/L;fk^L/k]ZsL – 1,497,490 1,437,240

7= clu|de'QmfgL – 4,762,894 3,446,625

s_clu|dcfos/ – 4,762,894 3,446,625

v_clu|ds/s^\^L – – –

u_cGoclu|de'StfgL – – –

8= dfu{:ygub – – –

9= dfu{:ycGo-r]s;d]t_ – – –

10= ljgf;"rgf*«fkm\^sf]e'QmfgL – – –

11= ckn]vgx'gaf“sLvr{ – – –

12= zfvfldnfglx;fa – – –

13= :yugs/;DklQ – 2,699,232 2,029,692

14= cGo – 1,385,207 892,859

hDdf 10,861,694 8,458,662




28


cGo ;DklQ -yk ljj/0f_cg';"rL4=16-s_

ljj/0f

o; jif{ ?= ut jif{ ?=

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

1=shf{dfc;'nug{af“sLAofh 1,670,479.10 988,979.43 923,707.04 3,583,165.57 6,197,663.26

2=ljgf;"rgf*«fkm\^sf]e'QmfgL – – – – –

3=zfvfldnfglx;fa – – – – –

4=:jb]zLljb]zLPh]G;Llx;fa – – – – –

hDdf 1,670,479.10 988,979.43 923,707.04 3,583,165.57 6,197,663.26


;Defljt bfloŒjx?cg';"rL4=17


1= ;+:yfpk/bfaLk/]sf]t/;+:yfn]bfloTj:jLsf/gu/]sf] – –

2= k|lttkqx?-dflh{gg#^fOk'/f/sd_ – –

-s_6dlxgfeGbfsdcjlwsf] – –

-v_6dlxgfeGbfa(Lcjlwsf] – –

3= k'gMl*:sfp)^ul/Psflanx? – –

4= Dofbgfl#g;s]sf]Uof/]G^L÷a)* – –

-s_la*a)* – –

-v_k/km/d]G;a)* – –

5= r'Qmfjfe'Qmfgx'gaf“sLz]o/nufgL – –

6= km/jf*{PS:r]~hsG^«fS^sf]af“sLbfloTjx? – –

7= sn]S;gdf/x]sflanx? – –

8= d~h'/Ltyf;dy{g (Acceptance & Endorsement) – –

9= k|Tofe'ltk|lta$tf(Underwriting Commitment) – –

10=ckl/jTo{shf{k|lta$tf(Irrevocable Loan Commitment) – –

11= cGt/f{li^«o>])fLs[ta}+ssf]sfp)^/Uof/])^LdflbPsf]Uof/])^L – –

12=clu|de'QmfgLUof/])^L(Advance Payment Guarantee) – –

13= shf{k|jfxsf]nfluljQLohdfgt(Financial Guarantee) – –

14=cfos/jfkt;DefljtbfloTj(Contingent Liabilities on Income Tax) – –

s"n/sd




29

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

Jofh cfDbfgLcg';"rL4=18


s= shf{;fk^/clwljsif{df 39,848,321 44,452,597

1= shf{;fk^ 39,848,321 44,452,597

2= clwljsif{ – –

v= nufgLdf 66,167 288,000

1=g]kfn;/sf/sf];"/If)fkq 66,167 288,000

-s_^«]h/LlaN; – –

-v_ljsf;C)fkq 66,167 288,000

-u_/fli^«oartkq – –

2=ljb]zLC)fkq – –

-s_ – –

-v_ – –

3=g]kfn/fi^«a}+ssf]C)fkq – –

4=l*j]Gr/tyfa)* – –

5=cGt/a+}+snufgLdfJofh – –

s=a}+s÷ljQLo;+:yfx? – –

v=cGo;+:yfx? – –

u= Ph]G;Ldf}Hbftdf – –

1=:jb]zLa}+s÷ljQLo;+:yfx? – –

2=ljb]zLa}+sx? – –

#= dfutyfcNk;"rgfdfk|fKtx"g]df}Hbftdf 4,696,042 3,461,258

1=:j]bzLa}+s÷ljQLo;+:yfx? 4,696,042 3,461,258

2=ljb]zLa}+sx? – –

ª= cGodf – –

1=;l^{lkms]^ckml*kf]lh^ – –

2=cGt/a}+s÷ljQLo;+:yfshf{ – –

3=cGo – –

hDdf 44,610,530 48,201,855




30


Jofh vr{cg';"rL4=19


s= lgIf]kbfloTjdf 25,127,310 24,736,766 1=d"@tLlgIf]k 14,016,502 15,574,126

1=1:jb]zLd'b|f 14,016,502 15,574,126

1=2ljb]zLd'b|f – –

2=artlgIf]k 11,110,808 9,162,640

2=1:jb]zLd'b|f 11,110,808 9,162,640


3=dfu]sf]avtltg"{kg]{lgIf]k – –

3=1:jb]zLd'b|f – –


4=;l^{lkms]^ckml*kf]lh^\; – –

v= shf{;fk^df – – 1=C)fkqtyfa)* – –

2=g]kfn/fi^«a}+saf^k|fKtshf{ – –

3=cGt/a}+s÷ljQLo;+:yfshf{ – –

4=cGo;+ul&t;+:yf – –

5=cGoshf{ – –

u= cGodf – – 1=cGolgIf]kdf – – –

2==================== – – –

hDdf 25,127,310 24,736,766


sldzg tyf l8:sfpG6cg';"rL4=20


s= laN;v/Lbtyfl*:sfpG^ – – 1=:jb]zL – – 2=ljb]zL – – v= sldzg 1,966 21,859 1=k|lttkq – – 2=hdfgtkq – – 3=sn]S;glkm 1,405 7,000 4=/]ld^]G;lkm 561 14,859 5=qm]l*^sf*{ – – 6=z]o/k|Tofe'lt÷lgisfzg – – 7=;/sf/Lsf/f]af/jfkt – – 8=O=k|f=sdLzgjfkt – – 9=a§fcfDbfgL – – u= cGo – –

hDdf 1,966 21,859




31


1= ;]kml*kf]lh^eN^sf]ef*f – –

2= qm]l*^sf*{lgisf;gtyfgjLs/)f – –

3= ATM sf*{lgisfzgtyfgjLs/)f – –

4= ^]n]S;÷l^=l^ – –

5= ;]jfz'Ns 2,797,914 2,008,868

6= gjLs/)fz'Ns – –

7= cGo 771,175 257,127

hDdf 3,569,089 2,265,995


cGo ;~rfng cfDbfgLcg';"rL4=21


1= tna 4,282,862 4,808,084

2= eQf 775,532 1,267,738

3= ;~rosf]ifyk 382,628 445,580

4= tflndvr{ 26,780 77,292

5= kf]zfs 145,100 254,269

6= cf}ifwLpkrf/ 373,373 476,081

7= aLdf – –

8= k]G;gtyfpkbfgJoj:yf 146,041 676,125

9= cGo 786,031 753,610

9=1 bz}+vr{ 417,144 447,407

9=2 ;+lrtljbfjfktsf]tna 368,887 445,400

hDdf 6,918,348 8,897,976


sd{rf/L vr{cg';"rL4=23


-s_ljlgdob/dfePsf]km/saf^ – –

-v_ljb]zLd'b|fsf/f]af/af^–a§fafx]s_ – –

hDdfcfDbfgL÷-gf]S;fg_ – –


;6xL 36a9 cfDbfgL÷gf]S;fgcg';"rL4=22




32


1= #/ef*f 1,284,000 1,122,500

2= aQLlah'nL/kfgL 105,071 112,252

3= dd{ttyf;Def/ 146,737 117,488

-s_ejg – –

-v_;jf/L;fwg 96,286 68,347

-u_cGo 50,451 49,141

4= aLdf 547,023 472,084

5= kf]i^]h,^]n]S;,^]lnkmf]g,km\ofS; 168,834 60,470

6= sfof{nopks/)fkmlg{r//;Def/ – –

7= e|d)feQf/vr{ 23,092 37,712

8= d;nGb/%kfO{ 316,597 132,265

9= kqklqsftyfk':ts 32,914 45,065

10= lj!fkg 419,371 222,327

11= sfg'gLvr{ 180,000 259,500

12= rGbf 40,520 17,500

13= ;~rfns;ldlt;DaGwLvr{ 399,346 232,289

-s_a}&seQf 295,600 157,000

-v_cGovr{ 103,746 75,289

14= ;fwf/)f;ef;DaGwLvr{ 258,401 258,795

15= n]vfk/LIf)f;DaGwLvr{ 280,355 121,425

-s_j}wflgsn]vfk/LIf)fz'Ns 124,300 62,150

-v_cfGt/Lsn]vfk/LIf)fz'Ns 113,000 45,200

-u_cGovr{ 43,055 14,075

16= /sd:yfgfGt/)fsldzg – –

17= :yL/;DklQdfx|f;s§L 843,688 668,786

18= k'j{;~rfngvr{ckn]vg – –

19= z]o/lgisfzgvr{ – –

20= k|fljlws;]jf;f]wegf{ 442,327 206,817

21= dgf]/~hgtyfcltly;Tsf/ 391,770 334,026

22= ckn]vgvr{ 512,788 520,123

23= ;'/Iffvr{ 433,800 435,800

24= shf{;'/If)flk|ldod – –

25= sldzgtyfl*:sfp)^ –

26= cGovr{ 1,639,908 1,513,640

s_clkm;vr{ 255,368 281,987

v_;b:otz'Ns 598,911 340,584

u_OGwgvr{ 220,210 269,906

#_z]o/lg:sf;gvr{ 273,345 359,750

ª_cGo 240,074 225,413

r_cGo;ldtLvr{ 52,000 36,000

hDdf 8,466,542 6,890,865


cGo ;~rfng vr{cg';"rL4=24




33


1= shf{gf]S;fgLJoj:yfdfePsf]j[l$ 8,672,714 6,278,627

2= nufgLgf]S;fgLJoj:yfdfePsf]j[l$ 51,620 –

3= u}/a}+lsu;DklQgf]S;fgLJoj:yfj[l$ 3,504,794 8,336,132

4= cGo;DklQdful/Psf]Joj:yf 6,051,636 8,300,000

hDdf 18,280,764 22,914,759


;Defljt gf]S;fgL Joj:yfcg';"rL4=25


1= shf{gf]S;fgLAoj:yfaf^lkmtf{ 7,195,481 42,968,907

2= u}/a}+ls+u;DklQgf]S;fgLJoj:yfaf^lkmtf{ 11,840,926 3,119,374

3= nufgLJoj:yfaf^lkmtf{ –

4= cGo;DklQsf]Joj:yfaf^lkmtf{ 7,400,000 –

hDdf 26,436,407 46,088,281


;Defljt gf]S;fgL Joj:yfaf6 lkmtf{cg';"rL4=27


1= nufgLlaqmLaf^cfDbfgL÷-gf]S;fg_ 4,019,909 –

2= ;DklQlaqmLaf^cfDbfgL÷-gf]S;fg_ – –

3= nfef+z 115,900 115,710

4= g]kfn/fi^«a}+saf^k|fKt;x'lnot – –

s=tf]lsPsf]zfvfx?sf]gf]S;fgjfktIfltk"lt{ – –

v=AofhIfltk'lt{ – –

u=;^xLsfpG^/ – –

5= u}/a}+lsª;DklQlas|Laf^cfDbfgL÷-gf]S;fg_ –3,280,926 –

v'bu}/;~rfngcfDbfgL÷-gf]S;fg_ 854,883 115,710


u}/ ;~rfng cfDbfgL ÷gf]S;fgLcg';"rL4=26




34


1= ckn]vgePsf]shf{sf]c;"nL -7,143,750_ -880,626_

2= :j]lR%scjsfzvr{ – –

3= c;'nLx'gg;Sg]shf{sf]ckn]vg-4=28s_ – 30,162,216

4= cGovr{÷cfDbfgL –

hDdf -7,143,750_ 29,281,589


c;fdfGo sf/f]af/x?af6 ePsf] cfDbfgL÷vr{cg';"rL4=28

ckn]Vg] lwtf]sf] lwtf] shf{ :jLs[t shf{ c;"nLsf qm=;= shf{ k|sf/ ul/Psf k|sf/ d"Nofª\sgsf] ug]{ nflu u/]sf s}lkmot /sd tyf /sd cfwf/ clwsf/L÷tx k|of;

1= rfn'k'“hL

2= kl/of]hgfshf{

3= l:y/k'“hLshf{

4= JolQmutshf{

5= l/on:^]^shf{ – – – – –

pBf]ushf{ – – – – –

z]o/shf{ – – – – –

z]o/shf{ – – – – –

s"nshf{ – – – – – –


ckn]lvt shf{sf] ljj/0fcg';"rL4=28-s_




35


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

g]kfn/fi^«a}+slgb{]zgcg';"rL4=29

v/Lbtyfl*:sfp)^ul/Psfljnx?/shf{,;fk^tyfclwljsif{dfk|jflxts'n/sddWo];~rfns,sfo{sf/Lk|d'v,;+:yfks,sd{rf/L,z]o/xf]N*/x?/lghx?sf]kl/jf/sf;b:ojfTo:tfJolQmhdfgLa;]sf]jfDofg]lh·Ph])^ePsf]s'g};+:yfjfsDkgLnfO{uPsf]/sdsf]ljj/)fb]xfoadf]lhd%.

;+:yfks÷;~rfns÷sfo{sf/L ut o; jif{ c;"nL o; jif{ cfiff9 d;fGt;Dd

k|d'vsf] gfd ;fjf“ Aofh ;fjf“ Aofh yk shf{ ;fjf“ Aofh

-s_ ;~rfns

1=

2=

-v_ sfo{sf/Lk|d'v

1=

2=

-u_ ;+:yfks

1=

2=

-#_ sd{rf/L

1=

2=

-ª_ z]o/wgLx?

1=

2=

hDdf




36


-s_ k|fyldsk"“hL 193,075.23 92712.66

1_r'Qmfk"“hL-;fwf/)fz]o/_ 200,160.00 120000.00

2_k|:tfljtaf]g;z]o/ – –

3_z]o/lk|ldo/ 6,797 4844.63

4_lkmtf{gx'g]cu|flwsf/z]o/ – –

5_;fwf/)fhu]*fsf]if 8,619.45 4429.50

6_;l~rtgfkmf÷gf]S;fg -22,500.88_ -41703.01_

7_jf;nftdfb]vfO{Psf]rfn'cf.j.sf]gfkmfg]fS;fglx;fasf]/sd – -5319.64_

8_k"“hLlkmtf{hu]*fsf]if – –

9_k"“hL;dfof]hgsf]if – –

10_sN;OgP*efG; – –

11_cGo:jtGqsf]ifx? – 10,461.18

#^fpg]M – –

–Voflt(Goodwill)jfktsf]/sd – –

–;LdfeGbfa(Lz]o/,;'/If)fkqdfnufgLul/Psf]/sd – –

–ljQLo:jfy{/x]sf]sDkgLsf]lwtf]kqdfnufgLu/]sf]/sd – –

–cjf:tljs;DklQ – –

–o;a}+ssf]lgb]{zgkfngfgu/Ll:y/;Dkltv/Lbu/]sf]/sd – –

–;LdfeGbfj(Lcfjf;ejglgdf{)ftyfhUUffljsf;dfnufgLu/]sf]/sd – –

–tf]lsPsf];doleqljqmLljt/)fug{g;s]sf]z]o/k|Tofe"tL – –

–k|rlntP]gtyfsfg"gn]k|ltaGwu/]sfJolQmtyf;d"xx?nfO{k|bfgu/]sf]shf{tyf;'ljwfx? – –

-v_k"/sk"“hL 4,792.78 3396.95

1_c;nshf{sf]nfluul/Psf]shf{gf]S;fgLJoj:yf 4,273.29 2496.06

2_cltl/Qmshf{gf]S;fgLJoj:yf 519.49 900.89

3_xfOla|*k"“hLpks/)fx? – –

4_;'/If)fg/flvPsf];xfoscfjlwsC)f – –

5_;^xL;lds/)fsf]if – –

6_;DklQk'g{d'Nof+sgsf]if – –

7_nufgL;dfof]hgsf]if – –

-u_hDdfk''hLsf]if-s+v_ 197,868 96109.61

-#_hf]lvdefl/t;DklQsf]cfwf/dfsfodug'{kg]{Go"gtdk"“hLsf]if

–k"“hLsf]if-11k|ltzt_ 11.00 60,348.56 35329.76

–k|fyldsk"“hL-5.5k|ltzt_ 5.50 30,174.28 17664.88

–k"“hLsf]ifclws-Go"g_k|ltzt 25.07 137,519.46 60779.85

–k|fyldsk"“hLclws-Go"g_k|ltzt 29..69 162,900.95 75047.78


k"“hLsf]if tflnsfcg';"rL4=30

?= xhf/df




37

;DklQsf] ljj/0f o; jif{ ?= ut jif{ ?=

-s_jf;nftadf]lhdsf];DklQx? ef/ /sd

hf]lvd hf]lvd efl/t;DkQL /sd efl/t;DklQ

gubdf}Hbft 0 29,319 – 4,703 –

;'g-ljlgdoof]Uo_ 0 – – – –

g]kfn/fi^«a}+sdf/x]sf]df}Hbft 0 17,031 – 21,698 –

g]kfn;/sf/sf]C)fkqdful/Psf]nufgL 0 5,000 – 3,200 –

g]kfn/fi^«a}+sC)fkqdful/Psf]nufgL 0 – – – –

cfkm\g}d'@tL/;Lbsf]lwtf]dfk")f{;'/lIftx'g]u/Lk|bfg

ul/Psf]d'@tL/;Lblwtf]shf{ 0 265 – 3,212 –

;/sf/LC)fkqsf]lwtf]dfk")f{;'/lIftx'g]u/Lk|bfgul/Psf]shf{ 0 – – – –

;/sf/L;'/If)fkfpg'kg]{Jofh/sd(Accured Amount) 0 66 – – –

ljkGgju{shf{cGtu{tu)fgfx'g]o'jftyf;fgfJoj;foL:j/f]huf/

sf]ifdfv/uju{sfOhfhtkq;+:yfn]hDdfu/]sf]/sd 0 – – – –

:jb]zLa}+styfljQLo;+:yfx?df/x]sf]df}Hbftd"@lt/l;bsf]bfjL(Claims) 20 811 162 1,295 259

cGoa}+styfljQLo;+:yfsf]d"@tL/l;/bsf]lwtf]dfk")f{

;"/lIftx'g]ul/k|bfgu/]sf]d"@tL/l;blwtf]shf{ 20 – – –

ljb]zLa}+sx?df/x]sf]df}Hbft 20 – – –

dfu]sf]avtk|fKtx'g]/sd(Money at Call) 20 223,054 44,611 102,863 20,573

cGt/f{li^«o>])fLs[t-Rated_Ohfhtk|fKt;+:yfsf]Uof/])^LdfuPsf]shf{ 20 – – – –

cGt/f{li^«o>])fLs[t(Rated)a}+sdfu/]sf]cGonufgL 20 – – –

cGt/a}+s;fk^L 20 – – – –

z]o/,l*j]~r/Pj+a)*dfePsf]nufgL 100 6,951 6,951 2,069 2,069

cGonufgLx? 100 – – 696 696

shf{,;fk^LtyfljN;vl/bl*:sfp)^;d]t-s"n/sd_ 100 446,856 446,856 260,664 260,664

l:y/;DkQLx? 100 6,896 6,896 2,746 2,746

kfpg'kg]{cGov'bJofh/sd 100 – – – –

u}x|a}+lsª;DktL 100 – – 8,336 8,336

cGo;a};DkQLx?-v'bclu|ds/bflvnfafx]s_ 100 6,033 6,033 5,012 5,012

;Ldfgf#]sf]l/on:^]^.cfjf;Lo#/shf{ 150 – – – –

-s_hDdf 742,283 511,509 416,494 300,355

-v_jf;nftaflx/sf]sf/f]af/(Off–balance sheet Items)

aLN;sn]S;g 0 – – – –

clu|dljb]zLljlgdo;Demf}tf 10 – – – –

6dlxgfeGbfsdcjlwsf]k|lttkq-k'/}/sd_ 20 – – – –

cGt/f{li^«o>])fLs[tljb]zLOhfhtk|fKt;+:yfsf]sfp)^/

Uof/])^Ldfhf/Lul/Psf]Uof/])^L 20 – – – –

6dlxgfeGbfa(Lcjlwsf]k|lttkq-k'/}/sd_ 50 – – – –

lj*a)*,k/km/d]G;a)*/k|Tofe'lt;DjGwLk|ltj$tf 50 – – – –

k'gMvl/bug]{zt{dfljqmLu/]sf]shf{ – – – –

clu|de'QmfgLUof/])^L(Advance payment Guarantee) 100 – – – –

ljQLotyfcGohdfgt (Financial and other Guarantee) 100 – – – –

ckl/jTo{shf{k|lta$tf(Irrevocable Loan Commitment) 100 – – – –

cfos/jfkt;DefljtbfloTj 100 – – – –

Acceptance;lxtcGo;a}k|sf/sf;DefljtbfloTj 100 – – – –

k'gMl*:sfpG^ul/PsfaLnx? 100 – – – –

e'QmfgLsfnflubfjLk/]sf]hdfgt(Unpaid Guarantee Claims) 200 – – – –

;~rfnghf]lvd-5k|ltzt_ 100 37,114 37,114 20,825 20,825

-v_hDdf 37,114 37,114 20,825 20,825

s'nhf]lvdefl/t;DklQ-s+v_ 779,397 548,623 321,180 321,180


hf]lvd efl/t ;DklQ ljj/0f tflnsfcg';"rL4=30-s_




38

ljj/0f ;"rsF+° cf=j= @)^*÷^( cf=j= @)^(÷&) cf=j= @)&)÷&! cf=j= @)&!÷&@ cf=j= @)&@÷&#

1= v'bgfkmf÷s'ncfDbfgLk|ltzt k|ltzt 15.43 -147.53_ -0.11_ -5.46_ 25.62

2= k|ltz]o/cfDbfgL ?= 6.71 -24.05_ -3.49_ -4.43_ 10.47

3= k|ltz]o/ahf/d"No ?= 125.00 – 110.00 145.00 232.00

4= d"NocfDbfgLcg'kft(P/E Ratio) cg'kft 18.32 – -31.51_ 32.71 22.17

5= z]o/k"“hLdfnfef+;-af]g;z]o/_ k|ltzt – – – – –

6= z]o/k"“hLdfgubnfef+;e'QmfgL k|ltzt – – – – –

7= JofhcfDbfgL÷shf{tyf;fk^ k|ltzt 28.46 12.48 11.68 18.27 9.98

8= sd{rf/Lvr{÷s"n;~rfngvr{ k|ltzt 13.67 14.18 17.34 22.65 21.29

9= s"nlgIf]ktyf;fk^LdfJofhvr{ k|ltzt 13.57 9.16 8.94 8.16 4.71

10= ;^xL#^a(cfDbfgL÷s"ncfDbfgL k|ltzt – – – – –

11= sd{rf/Laf]g;÷s"nsd{rf/Lvr{ k|ltzt 23.68 – 0.62 3.90 23.84

12= v"bgfkmf÷shf{;fk^L k|ltzt 4.46 -13.85_ -1.50_ -2.02 4.69

13= v"bgfkmf÷s"n;DkQL k|ltzt 1.09 -8.52_ -1.12_ -1.33 2.85

14= s"nshf{÷lgIf]k k|ltzt 89.93 93.20 102.73 87.06 83.82

15= s"n;~rfngvr{÷s"n;DktL k|ltzt 11.43 9.60 10.05 10.21 5.81

16= hf]lvdefl/t;Dkltdfk“"hLsf]ifsf]kof{Kttf k|ltzt – – – – –

-s_k|fyldsk"“hL k|ltzt 59.75 38.93 25.38 28.87 35.19

-v_k"/sk"“hL k|ltzt 0.73 0.61 0.70 1.06 0.87

-u_s"nk"“hLsf]if k|ltzt 59.75 39.54 26.09 29.92 36.07

17= t/ntf(CRR) cg'kft 3.95 19.89 3.88 7.16 3.19

18= lg:s[oshf{÷s"nshf{ k|ltzt 9.85 25.41 16.31 2.90 1.59

19= Jofhb/cGt/(Weighted Average

Interest Rate Spread) k|ltzt 5.61 6.42 6.42 7.76 4.80

20= a'sg]^jy{ ?= 130,122,227.30102,220,940.8598,032,300.01 92,712,662.78 195,774,462.04

21= s"nz]o/ ;+Vof 1,200,000.00 1,200,000.001,200,000.00 1,200,000.00 2,001,600.00

22= s"nsd{rf/L ;+Vof 17 15 17 15 19

23= cGo

ljut % jif{sf] kl/;"rsx?sf]

k|d'v ;"rsf+ª\scg';"rL4=31




39

k|f]u|]lze kmfOgfG; lnld6]8sf]cg';"rL4=32

n]vf ;DaGwL gLltx?

!= kl/ro

k|f]u|]lze kmfOgfG; lnld6]8 g]=/f= a}+saf6 ‘u’ ju{sf] ljQLo sf/f]af/ ug{ :jLs[tL k|fKt ljQLo ;+:yf xf] . o;sf] sfof{no kfsf] Go"/f]8, sf7df8f}+df /x]sf] 5 . of] ;+:yfsf] gfd dr]{06 kmfOgfG; sDkgL lnld6]8 -ljQLo ;+:yf_ /x]sf]df ldlt @)^&.!!.!) af6 k|f]u|]lze kmfOgfG; lnld6]8sf] gfdaf6 sf/f]af/ ;~rfng u/]sf] xf] .

@= ljQLo ljj/0f tof/Lsf] cfwf/

ljQLo ljj/0fx? g]kfnL ?k}ofdf tof/ kfl/Psf 5g\ . oL ljQLo ljj/0fx? P]ltxfl;s nfut cjwf/0ffsf] cfwf/df :ki6 ?kdf cGoq n]lvPsf] afx]s k|f]befjL cfwf/df n]vfª\sg u/L, g]kfn n]vfdfg, ;j{dfGo n]vf gLltx?, g]kfn /fi6« a}+ssf] lgb]{zg, sDkgL sfg"g, a}+s tyf ljQLo ;+:yf ;DjGwL sfg"g / g]kfn /fi6« a}+ssf] lgb]{zgnfO{ ;d]t cfwf/ dfgL tof/ kfl/Psf 5g\ .

#= x|f;s§L gLlt M

s_ l:y/ ;DklQx? P]ltxfl;s nfut cjwf/0ff (Historical cost concept) sf] cfwf/df n]vfª\sg ul/Psf] 5 . k/n d"Nodf v/Lb vr{ tyf ;f] vl/b ubf{ vr{ ePsf cGo ;DalGwt vr{x? ;d]t ;dfj]z ul/Psf] 5 .

v_ ;DktLsf] x|f;s§L (Written Down Values) sf] cfwf/df b]xfo adf]lhdsf b/x?df ul/Psf] 5 .

;DklQsf] lsl;d x|f; s§L b/ k|ltzt

;jf/L ;fwg @)

sfof{no pks/0fx? @%

kmlgr/ tyf lkmS;r/ @%

u_ k§fdf lnOPsf] ;DklQdf ul/Psf] vr{ (Leasehold Improvements) nfO{ % jif{ddf ckn]vg x'g]u/L kl/;f]wg ug]{ gLlt ckgfOPsf] 5 .

3_ ;km\6j]o/ vr{nfO{ % jif{df ckn]vg x'g]ul/ kl/zf]wg (Amortization) ug]{ gLlt ckgfOPsf] 5 . o;/L ckn]vg u/L afFsL d"NonfO{ cGo ;Dklt cGt/ut b]vfOPsf] 5 .

$= cfos/ Joj:yf M

$=! rfn' cfos/ Joj:yf (Current Tax Provision)

cfos/ P]g,@)%* adf]lhd :jods/ lgwf{/0fsf] cfwf/df s/ of]Uo cfosf] u0fgf u/L x'g cfpg] cfodf #) k|ltztn] x'g] /sd cfos/sf] nflu Joj:yf ul/Psf] 5 .

$=@ :yug s/ Joj:yf (Deferred Tax Provision) :yugs/sf] Joj:yf g]kfn n]vfdfg ( n] tf]s]sf] k|lqmof tyf ljlw cg';f/ ul/Psf] 5 .

%= nufgLsf] d"Nofª\sg M

lwtf]kq ljlgdo ahf/df ;"lrs[t ePsf z]o/ tyf aG8df ePsf] nufgLnfO{ ahf/ d"No tyf vl/b d"No h'g sd 5 ;f]xL cg';f/ ;dfof]hg u/L d"No sfod ul/Psf] 5 . g]kfn /fi6« a}+ssf] lgb]{zg adf]lhd ahf/ d"No v/Lb d"No eGbf sd ePdf km/s /sdnfO{ Joj:yf ug]{ gLlt lnPsf] 5 .

^= cfDbfgL vr{sf] n]vfª\sg

Aofh cfDbfgL M g]kfn /fi6« a}+såf/f hf/L lgb]{zgx? cg'?k g} shf{ tyf ;fk6df

k|fKt AofhnfO{ gub k|flKtsf] cfwf/df n]vfª\sg ug]{ gLlt lnOPsf] 5 . gub k|flKtsf cfwf/df Aofh cfDbfgL hgfpg] of] gLlt g]kfn n]vfdfg )& Revenue ;FUf ;dfGh:o 5}g .

&= Aofh u0fgfsf] cfwf/ M

Aofh lbg'kg]{ lgIf]k / ;fk6L vftfx?df Aofh lbFbf / shf{ ;fk6df Aofh lnFbf #^% lbgsf] Ps jif{sf] cfwf/ dflg u0fgf ug]{ gLlt /x]sf] 5 . To:t} nufgLdf kfpg] AofhnfO{ ;d]t #^% lbgsf] Ps jif{sf] cfwf/ dflg u0fgf ug]{ gLlt /x]sf] 5 .

*= shf{ gf]S;fgL Joj:yfM

;Defljt shf{ gf]S;fgLsf nflu g]kfn /fi6« a}+ssf] lgb]{zg adf]lhd shf{nfO{ juL{s/0f u/L shf{ gf]S;fgL Aoj:yf ul/Psf] 5 . jf;nftdf shf{ gf]S;fgL Joj:yfnfO{ s§f u/L shf{ tyf ;fk6nfO{ k|:t't ul/Psf] 5 .

(= u}/ a}lsª ;DklQM

Uf}/ a}lsª ;Dklt sa'n ubf{sf] ;dodf c;'n x'g afFsL ;fFjf Aofh cyjf lwtf] /x]sf] ;DklQsf] k|rlnt ahf/ d"No (Fair Market Price) dWo] h'g sd 5 ;f]xL /sddf u}/ a}lsª ;DklQsf] n]vfª\sg ul/g] gLlt ckgfOPsf] 5 . o;y{ n]vfª\sg ubf{ ;f] shf{sf] kfpg' kg]{ Aofh /sdnfO{ g]=/f= a}+ssf] lgb]{zg adf]lhd Aofh d"NtjL lx;fa;Fu ;dfof]hg ug]{ gLlt ckgfOPsf] 5 .

!)= sd{rf/L ;fk6L tyf k]ZsLM

ljQLo ;+:yfn] sd{rf/LnfO{ k|bfg u/]s]f ;fk6L tyf k]ZsLnfO{ cGo ;DklQ cGt/ut b]vfOPsf] 5 .

!!= sd{rf/L pkbfg sf]if Joj:yf tyf e'QmfgLM

;+:yfsf] sd{rf/L ljlgodfjnL cg';f/ % jif{ tyf ;f] eGbf a9L cjlw b]lv lg/Gt/ ;+:yfdf ;]jf/t sd{rf/Lx?sf] nflu lgodfg';f/ pkbfg sf]ifsf] Joj:yf k|f]befjL cfwf/df (Accrual Basis) ul/ ;]jfaf6 cjsfz lnPkl5 e'StfgL ug{] gLlt /x]sf] 5 .

!@= sd{rf/L ;+lrt ljbf Joj:yfM

;+:yfsf] sd{rf/L ljlgodfjnL cg';f/ Go"gtd ;+lrt labfsf] Joj:yf k|f]befjL cfwf/df (Accrual Basis) ul/ Go"gtd ;+lrt labf eGbf a9L ePsf] labf jfktsf] /sd gubdf e'StfgL ul/ n]vfª\sg ug{] gLlt lnPsf] 5 .

!#= shf{ tyf ;fk6sf] juL{s/0fM

g]kfn /fi6« a}+ssf] lgb]{zg cg';f/ shf{ tyf ;fkl6nfO{ efvf gf3]sf] cjlw cg';f/ juL{s/0f u/L g]kfn /fi6« a}+sn] tf]s]sf] k|ltztdf shf{ gf]S;fgL Joj:yf sfod ug]{ gLlt ckgfOPsf] 5 .

!$= sd{rf/L ;+rosf]ifM

sd{rf/L ;+rosf]ifdf ;+:yfn] lbg] yk /sd dfl;s ?kdf ;+:yfsf] gfkmf gf]S;fg lx;fjdf vr{ n]vL n]vfª\sg ug]{ u/]sf] 5 . ;+:yfaf6 k|bfg ul/g] yk /sd !) k|ltzt tyf sd{rf/Laf6 s§f x'g] !) k|ltzt /sdsf] hf]8nfO{ :jLs[t k|fKt casfz sf]ifdf 5'§} vftfdf hDdf ug]{] Joj:yf 5 .

!%= Going Concern

of] ljQLo ljj/0f Going Concern dfGotfsf cfwf/df tof/ kfl/Psf] 5 .




40


n]vf ;DaGwL l6Kk0fLx? M cg';"rL4=33

!= cfly{s aif{df k|jfx, c;'nL / ckn]vg ul/Psf] ;fFjfsf] ljj/0f o; k|sf/ 5 .

Uft jif{ ;Ddsf] df}Hbft @^,#*,&^,)(@.!&

jif{ e/Ldf k|jfx ul/Psf] shf{ #(,@@,%$,&^).$)

jif{ e/Ldf c;'n ePsf] shf{ @),(),)(,%%!.@@

jif{ e/Ldf ckn]vg ePsf] shf{ ;fFjf ))

o; aif{sf] clGtd df}Hbft $$,&!,@!,#)!.#%

@= lgIf]k bfloTj cGtu{t k|To]s lzif{sdf jif{ el/df kl/jt{g ePsf] /sdsf] ;+lIfKt ljj/0f

qm=;+= zLif{s o; jif{ ut jif{ a[l4-sdL_ a[l4-sdL_%

! d'2tLlx;fa 140,165,901.00 143,513,976.00 -3,348,075.00 -2.39

@ art lx;fa 125,746,352.10 93,029,270.00 32,717,082.10 26.02

# Dffu]sf] avt 265,036,896.48 63,084,950.81 201,951,945.67 76.2

$ cGo 2,486,163.07 3,472,592.66 -986,429.59 -39.68

hDdf ?= 533,435,312.65 303,100,789.47 230,334,523.18 43.18

#= lgIf]k / shf{sf] efl/t cf}ift Aofhb/ o; k|sf/ /x]sf] 5 .

shf{ tyf ;fk6Ldf !!=@!

lgIf]k bfloTjdf ^=$!

cGt/ $=*)

$= ckn]vg x'g afFsL vr{sf] ljj/0f o; k|sf/ /x]sf] 5 .

s| ;+= ljj/0f ut jif{ o; jif{ yk o; jif{ ckn]vg jfFsL ?=

!= lnh xf]N8 ;Dklt 12,772.90 !*,#*,%$$.)) !,^%,(*$.() !^,*%,##@.))

@= sDKo'6/ ;km\6j]o/ %$,@$).)) #,(&,!(%.)) $^,^%(.^ $,)$,&&%.$

#= Ol;l; ;km\6j]o/ #^!,^^^.^& !$),))).)) @,@!,^^^.^&

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

%= ;+:yfsf] jf;nft aflx/sf] sf/f]af/ 5}g . ;+:yfsf] ;DklQ / bfloTj;Fu ;DalGwt sf/f]af/ s'g} Ps JolQm, kmd{ ;+3 ;+:yf tyf s'g} Ps If]qdf clws]lGb|t ePsf] 5}g .




41

^= e'StfgL cjlwsf] cfwf/df ;DklQ tyf bfloTjsf] jlu{s/0f . -?= xhf/df_

;Dklt !–() lbg (!–!() lbg !*!–@&) lbg @&!–#^% lbg ! jif{ eGbf al9 s"n /sd

gub df}Hbft 29319.48 29319.48

a}s tyf lalQo ;+:yf df}Hbft 247847.71 247847.71

lab]zL a}+sdf u/]sf] nufgL 0

sn dlg 0

;/sf/L ;+/If0fkq 0

g]kfn ;/sf/sf] C0fkq 5000 5000

cGt/ a}s tyf lalQo ;:yf shf{ 0

sh{f ;fk6 46,129.30 75,773.98 139,748.26 70,611.42 114858.35 447121.30

kfpg' kg]{ Aofh 1670.48 1912.69 3,583.17

l/e;{ l/kf] 0

k|lta4tf cGtu{t cGo ;+:yfx? k|fKt x'g] 0

qm=;= @), @! / @@ sf ;'lawfx?sf] e'QmfgL 0

cGo 49.63 16.54 66.17

s"n ;Dklt 325016.60 75,790.52 139,748.26 70,611.42 121771.03 732,937.83

bfloTj 0

;fkl6 0

rNtL lgIf]k 0

art lgIf]k 314,886.77 78382.64 393269.41

d'2tL lgIf]k 14,482.00 18,519.00 1,6480.90 40,248.00 50436.00 140165.90

C0fkqx? 0

;fk6L M 0

dfu ÷ cNk ;+/rgf 0

cGt/ a}+s ÷ lj= ;+:yf 0

k'g/shf{{ 0

cGo 0

cGo bfloTj tyf Aoa:yfx? M 19,894.68 19,894.68

;08««««L qm]l86;{ 592.25 592.25

e'QmfgL lbg'kg]{ ljn 0

e'QmfgL lbg'kg]{ Aofh 0

Aoj:yfx? 19,302.43 19,302.43

cGo 0

k|lta4tf cGtu{t cGo ;+:yfx?nfO{ lbg' kg{] 0

pkef]u e};s]sf] :jLs[t ;'ljwfx? 0

k|lttkq÷ hdfgt -v'b_ 0

l/kf] 0

qm=;= !! sf ;'lawfx?sf] e'QmfgL 0

cGo 0

s"n bfloTj 349,263.45 18,519.00 16,480.90 40,248.00 128818.64 553329.99

v"b laQLo ;Dklt -24246.85_ 57271.52 123,267.36 30,363.42 -7047.61_ 179,607.84

;l~rt v"b ;Dklt -24246.85_ 33024.67 156292.02 186655.44 179,607.84




42

(= ;:yfn] o; cf=j=df Soflk6n dr]{G6df /x]sf] df}Hbft ? @&,*)^,%$$.!) sf] nfuL ?=^(,%!,^#^.)) sf] Joj:yf u/]sf] 5 . Joj:yf ul/Psf] /sd s'n df}Hbftsf] @% k|ltzt dfq /x]sf] 5 . ;f] /sdnfO{ dfu tyf cNk;'rgfdf k|fKt x'g] /sddf ldnfg u/L, v'b /sd dfq k|:t't u/LPsf] 5 .

!)= r'Qmf k"FhL dWo] clu|d e'QmfgL k|fKt (Paid in advance), e'QmfgL k|fKt x'g afFsL (Call in arrears), / hkmt ul/Psf t/ k'gM lgisfzg gul/;s]sf (Forfeited But Not issed), z]o/x? /x]sf] 5}g . cf=j= @)&@.&# df ;+:yfsf] z]o/ k'hL,+ xsk|b z]o/ af+8kmf+8 tyf lznaGbL af]nkq ;d]t af6 hDdf ? *),!^),))).)) n] a9]sf] 5 .

!!= ;~rfns ;ldltn] o; ljQLo ljj/0f ldlt @)&#.!).!@ ut] :jLs[t u/]sf] 5 .

!@= :yugs/sf] nfuL o; cf=j=df ? ̂ ^(,%$).*# cfDbfgL n]vL :yugs/ ;DkQLdf ;dfof]hg u/LPsf] 5 .

!#= cf= j= @)&@.&# df ;+:yfn] gfkmf dWo]af6 ? $!,*(,(%@.)) ;fwf/0f hu]8f sf]ifdf ;fl/Psf] 5 .

!$= cGo ljj/0f

!$=! ;+:yfn] ;j} cfly{s ljj/0fx? g]kfn /fi6« a}+sn] tf]s]sf] 9f+rfdf tof/ u/]sf] 5 .

!$=@ shf{gf]S;fgL tkm{ o; cfly{s jif{ @)&@.)&# ;Dddf k|jfx e} afFsL ePsf] shf{sf] e'StfgL cjwL tyf ls:tfsf] e'tmfgL cjwL cg';f/ shf{ jlu{s/0f ul/ g]kfn /fi6« a}+ssf] lgb]{zg adf]lhd gf]S;fgL Aoj:yf sfod u/]sf] 5 .

!$=# ;+:yfsf] cGo zfvfx? / a}+s df}Hbft le8fg ul/Psf] 5 .

!%= ;+:yfn] ljut jif{x?df ckgfPsf] n]vf gLltx? lg/Gt/ ?kdf ckgfO{ cfPsf] 5 .

!^= ;Da4 JolQm ljrsf] sf/f]af/

a}+ssf ;~rfns tyf k|d'v sfo{sf/L clws[t ;Da4 JolQmsf] ?kdf lnOPsf] 5 . cfly{s jif{ )&@÷&@ df ;Da4 JolQmx?sf] ljj/0f lgDg adf]lhd /x]sf] 5 .

l;=g+ gfd kb

! d's'Gb k|;fb bfxfn :f+rfns ;ldtL cWoIf

@ l;l4uf]kfn dfgGw/ ;~rfns ;ldtL ;b:o

# v8fgGb b'nfn ;~rfns ;ldtL ;b:o

$ /0fb]j s[i0f >]i7 ;~rfns ;ldtL ;b:o

% nId0f ofbj ;~rfns ;ldtL ;b:o

^ ljzfn x'dfufO{ k|d'v sfo{sf/L clws[t

;Da4 kf6L{x?nfO{ ul/Psf] cfly{s e'QmfgL lgDgfg';f/ /x]sf] 5 .

;~rfns ;ldlt tkm{

vr{ lzif{s o; jif{ /sd ? ut jif{ /sd ?

a}7s eQf 295,600.00 !,%&,))).–

Af}7s vr{ 103,746.00 (,@*(.–

hDdf ? 399,346.00 !,^^,@*(.–

cGo ;ldlt tkm{

vr{ lzif{s o; jif{ /sd ? ut jif{ /sd ?

a}7s eQf @*,))).)) #^,))).–

hDdf ? @*,))).)) #^,))).–

&= o; ;+:yfn] o; cf=j=df ;'/If/0fsf ?kdf cfkm\gf] ;Dklt lwtf] /fvL s'g}klg /sd shf{ lnPsf] 5}g .

*= shf{ gf]S;fgLsf] Joj:yf cfiff9 d;fGt @)&# ;Dd b]xfo adf]lhdsf] shf{ gf]S;fgL Aoj:yf /x]sf] 5 .

shf{sf] auL{s/0f shf{ /sdgf]S;fgL Joa:yf

k|ltzt /sd

c;n shf{ 427,328,948.18 ! 42,73,289.48

;"Id lgu/fgL 12,669,765.49 $ 5,06,790.62

sd;n shf{ 520,102.59 @% 130,025.65

z+sf:kb shf{ 78,895.31 %) 39,447.66

v/fa shf{ 6,523,589.78 !)) 6,523,589.78

cltl/Qm Joj:yf 519,492.25

hDdf $$&!@!#)!.#% 1,19,92,635.43




43


;+:yfks÷;+:yfks ;d"xsf z]o/ wgLn] cfkm\gf] :jfldTjdf /x]sf] z]o/ cGo a}+styf ljQLo ;+:yfdf lwtf] /flv shf{ lnPsf] ljj/0f

cg';"rL4=34

;+:yfks ;+:yfks ;+:yfksf] :jldTjdf sfod /x]sf] z]o/ shf{ ljj/0f

qm=;++= ;d"x cGtu{t kg]{ s'n ls:tf ;+Vof s'n r'Qmf shf{ lnPsf] cGo shf{ /sd lwtf]df /x]sf] s}lkmot z]o/wgLsf] gfd ;fjf“ k"“hLsf] k|ltzt a}+s÷ljQLo ;+:yfsf] gfd z]o/ lsQf ;+Vof

!= gf/fo0f axfb'/ sfsL{ !&%))=)) )=*& ;+s6f C0f tyf art !@)))))=)) !&,%)) zt k|ltzt ;xsf/L ;+:yf ln= z]o/ lwtf]

!@)))))=))

Joj:yfkg tkm{

kbflwsf/Lsf] gfd kb lgoldt kfl/>lds ? ljbf tyf cGo eQf ?

ljzfn x'dfufO{+ @)&@.)$.)!–@)&#.)#.#! k|d'v sfo{sf/L clws[t !@,^),))). !*,))).–

!&= lnhxf]N8 ;DklQ tk{m ;+:yfn] @^%,@!*.*) x|f;sl6 Joj:yf u/]sf] 5 .

!*= cfly{s jif{ @)&@.&# df ;+:yfn] af+sL /sd $,&%(,$!@.$% sf] C0f /sdnfO{ g]kfn /fi6| a}s+ sf] Plss|t lgb{]zg g+ @ adf]lhd ? !,#$$,$!@.$% nfO{ sd;n / ? #,$!%,))).)) ;+sf:kb df jlu{s/0f ul/ ? !,%@%,(%^.@@ shf{ gf]S;fgL Joj:yf x'g'kg]{df shf{ /sd !,#$$,$!@.$% @)&#.!).@ ut] / #,$!%,))).)) @)&#.!).)% ut] r'Qmf ePsfn] of] jif{ ;Dk'0f{ shf{nfO{ ;'Id lgu/flgdf /flv ? !(),#&^.%) dfq Joj:yf ul/Psf] 5 . o;f] ugf{n] ;+:yfsf] gfkmf !#,#%,%&(.&# n] a9]sf] xf] .

!(= cfly{s jif{ @)&@.&# df ;+:yfn] u0f]zdfg l;+x d]df]l/on xl:k6nsf] afFsL /sd !(,((),)^&.!* sf] C0f /sdnfO{ g]kfn /fi6s a}+ssf] Plss[t lgb]{zg g+ @=!=!=3 adf]lhd @ aif{b]vL 3f6fdf ePsf] sf/0f ;'Id lgu/fgLdf /fvL ? &((,^)@.&) Joj:yf ug'{kg]{df ;+:yfn] ;fFjf tyf Jofh lgoldt ?kdf cfPsf] sf/0f ;f] shf{nfO{ c;n shf{df auL{s/0f u/L ?=!((,()).^& dfq shf{ gf]S;fgL Joj:yf sfod ul/Psf] 5 . o;f] ugf{n] ;+:yfsf] gfkmf ? %((,&)@.)@ n] a9]sf] xf] .

@)= c+ssf] k"gM jlu{s/0f M

ut jif{sf c+sx? cfjZostf cg";f/ k'gM jlu{s/0f u/LPsf 5g\ .




44

1 Total Capital and Liabilities (1.1 to 1.7) 758,217.18 735001.44 23,216 3.06

1.1. Paid Up Capital 200,160.00 200160.00 - -

1.2. Reserve and Surplus 338.39 (4,385.54) 4,724 1,396.00 Financial performances of the entity.

1.3. Debenture and Bond - 0.00 - -

1.4. Borrowing - 0.00 - -

1.5. Deposits (a+b) 533,435.31 533435.31 0 0.00

a. Domestic Currency 533,435.31 533,435.31 0 0.00

b. Foreign Currency - 0.00 - -

1.6 Income Tax Liability 166.67 0.00 167 100.00

1.7 Other Liability 24,116.80 5,791.66 18,325 75.98 Netting of provision for deposits with the deposits & Netting of provision for NBA with NBA, netting of interest suspense and interest receivable

2 Total Assets (2.1 to 2.7) 758,217.18 735001.44 23,216 3.06

2.1. Cash and Bank Balance 277,161.94 47161.78 230,000 82.98 Netting of the provision for deposits with bank balances and differentiation of Call and current account

2.2. Money at call and Short Notice - 223053.78 (223,054) -

2.3. Investments 11,951.19 11899.57 52 0.43

2.4. Loans and Advances (Gross) 447,121.30 435128.67 11,993 2.68 Gross mention on unaudited report

a. Real Estate Loan - -

1. Residential Real Estate Loan (Except Personal Home Loan Upto Rs. 1 Crore)

- -

2. Business Complex & Residental Apartment Contruction Loan

- -

3. Income Generating Commercial Complex - -

4. Other Real Estate Loan (Including land Purchase & Plotting)

3,098.13 3,098 100.00

b. Personal Home Loan of Rs.1 Crore or Less

8,847.88 8,848 100.00

c. Margin Type Loan 53,970.76 53,971 100.00

d. Term Loan 36,663.65 36,664 100.00

e. Overdraft Loan/TR Loan/WC Loan 43,436.88 43,437 100.00

f. Others 301,104.00 301,104 100.00

2.5. Fixed Assets 6,269.51 6895.95 (626) (9.99) Software and lease hold assets classified as fixed assets in Audited

cg';"rL4=35

Comparision of Unaudited & Audited Financial Statement of FY 2072/2073

Progressive Finance LimitedKathmandu, Nepal

As per As per Unaudited Audited Variance Variance Particulars Financial Financial in in Reasons for Variance Statement Statement Amount %




45

2.6. Non Banking Assets - 0.00 - - Netting of NBA with NBA Provision

2.7. Other Assets 15,713.24 10861.69 4,852 30.88 Software and lease assets classified as fixed assets, advance tax netting off with tax liability and deferred tax, interest receivable and interest suspense netting off

3 Profit and Loss Account - -

3.1. Interest Income 48,201.85 44610.53 3,591 7.45

3.2. Interest Expense 24,736.77 25127.31 (391) (1.58)

A. Net Interest Income (3.1-3.2) 23,465.08 19483.22 3,982 16.97

3.3. Fees, Commission and Discount 2,028.65 1.97 2,027 99.90 Reclassification of head

3.4. Other Operating Income 372.84 3569.09 (3,196) (857.27)

3.5. Foreign Exchange Gain /Loss (Net) - 0.00 -

B. Total Operating Income (A+3.3+3.4+3.5)

25,866.57 23054.27 2,812 10.87

3.6. Staff Expenses 8,897.98 6918.35 1,980 22.25

3.7. Other Operating Expenses 6,879.09 8466.54 (1,587) (23.08)

C. Operating Profit Before Provision (B-3.6-3.7)

10,089.51 7669.38 2,420 23.99 Reclassification of head

3.8. Provision For Possible Losses 22,830.57 18280.76 4,550 19.93 Revision in the Loan loss provision and provision for NBA net of writeback in unaudited

D. Operating Profit (C - 3.8) (12,741.06) -10611.38 (2,130) 16.72

3.9. Non operating Income/ Expenses (Net)

(30,172.22) 854.88 (31,027) 102.83

3.10. Write Back of Provision for Possible Loss

42,642.93 26436.41 16,207 38.01 Revision in the Loan loss provision

E. Profit from Regular Activities (D+3.9+3.10

(270.35) 16679.91 (16,950) 6,269.75

3.11. Extraordinary Income / Expensese (Net)

880.63 7143.75 (6,263) (711.21)

F. Profit before bonus and Taxes (E+3.11)

610.28 23823.66 (23,213) (3,803.73)

3.12. Provision For staff Bonus - 2165.79 (2,166) - not provided in unaudited

3.13. Provision for Tax - 708.11 (708) - not provided in unaudited

G. Net profit / Loss (F - 3.12 - 3.13) 610.29 20949.76 (20,339) (3,332.76) provision for tax and deferred tax effect




46

s]Gb|Lo sfof{no

jfn'jf6f/, sf7df8f}+

$$!$((^

km\ofS;M $$!%!%*

E-mail: [email protected] Website: www.nrb.org.np 6]n]S; M @@)& /fjf kfgL

kf]i6jS;M &#

g]kfn /fi6« a}+sljQ sDkgL ;'kl/j]If0f ljefukq ;+Vof, lj=s+=;'=lj=÷u}/ :ynut÷k|f]u|]lze÷)&#÷&$÷$!^ ldltM @)&$÷)!÷!&

>L k|F]u|]lze kmfOgfG; lnld6]8,Go"/f]8, sf7df8f}+

ljifoM– cfly{s jif{ @)&@÷&# sf] ljQLo ljj/0f k|sfzg ug{ :jLs[lt k|bfg ul/Psf] ;DaGwdf .

dxfzo,

To; ;+:yfn] k]z u/]sf] cf=a= @)&@÷&# sf] n]vfk/LIf0f ePsf] jf;nft, gfkmf gf]S;fg lx;fa, ;f];Fu ;DalGwt cg';"rLx?, n]vfk/LIfssf] k|ltj]bg, nÍkmd{ cl86 l/kf]6{ ;d]tsf cfwf/df u}/ :ynut ;'kl/j]If0f ubf{ b]lvPsf s}lkmotx¿sf ;DaGwdf b]xfo lgb{]zg ;lxt :jLs[lt k|bfg ul/Psf] Joxf]/f lg0f{ofg';f/ u/fpFb5' .

lgb{]zgx?

s_ b]xfosf lgb{]zgx¿ z]o/wgLx¿sf] hfgsf/Lsf nflu aflif{s k|ltj]bgsf] 5'§} kfgfdf k|sflzt ug{ / of] lgb{]zgx?sf] sfof{Gjog ug{] u/L cfly{s jif{ @)&@÷&# sf] ljQLo ljj/0fx¿ jflif{s ;fwf/0f;ef k|of]hgsf] nlfu k|sfzg ug{ :jLs[lt k|bfg ug{] .

!= o; a}+ssf] lbg{]zg adf]lhd ljleGg C0fLx?af6 lng'kg{] ;]jf z'Nssf] cGt/ )=@% k|ltzteGbf a9L sfod gug{' x'g .

@= ;+:yfsf] shf{ gLlt adf]lhd ;Dk"0f{ k|lqmof k'/f u/L dfq shf{ k|jfx ug{' x'g .

#= hf]lvd Joj:yfkgnfO{ k|efjsf/L u/fpg cfjZos gLlt lgodx? tof/ u/L k|efjsf/L ?kdf sfof{Gjog ug{' x'g .

$= ;+:yfsf] ;"rgf k|0ffnLsf] l;:6d u/fpg' x'g .

%= ;d:ofu|:t 3f]if0ff ePsf] Ohfhtkq k|fKt ;+:yf Soflk6n dr{]06 kmfOgfG; lnld6]8df /fv]sf] lgIf]k a/fa/ ztk|ltzt gf]S;fgL Joj:yf sfod ug{' x'g .

^= o; a}+ssf] PsLs[t lgb{]zg @)&# sf] lgb{]zg g+= @ sf] Joj:yf cg';f/ shf{x?sf] gf]S;fgL Joj:yf sfod ug{' x'g .

&= tf]lsPsf] ;dodf ;fwf/0f ;ef ug{' x'g .

*= cfGtl/s n]vf k/LIf0f, afx\o n]vfk/LIf0f ;fy} o; a}+ssf] :ynut lg/LIf0f tyf u}/ :ynut :ynut ;'kl/j]If0f k|ltj]bg cf}+NofOPsf cGo s}lkmotx? ;'wf/ ug{'x'g .

ejbLo,

-;'lgtf >]i7_ pk lgb{]zs af]wfy{M– >L g]kfn /fi6« a}+s, a}+s tyf ljQLo ;+:yf lgodg ljefu, afn'jf6f/ .




47

g]kfn /fi6« a}+saf6 æuÆ ju{sf Ohfht k|fKt ;+:yf

Progressive F i n a n c e L i m i t e d





48

k|F]u|]lze kmfOgfG; lnld6]8 Progressive Finance Limited

l6kf]6

g]kfn /fi6« a}+saf6 ‘u’ ju{sf] ohfht k|fkt ;+:yf ... · gf]6 m pk/f]qm d'2tl lgif]kdf...

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