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$: HEAD OFFICE ;ftf}+ jflif{s k|ltj]bgnmbmicrofinance.com/wp-content/uploads/2020/06/... · == 1;ftf}+ jflif{s k|ltj]bg cf=j= @)&%÷)&^ 7th ANNUAL REPORT BRANCHES HEAD OFFICE POKHARA-$
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1

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7th ANNUAL REPORT

w w w . n m b m i c r o f i n a n c e . c o mw w w . n m b m i c r o f i n a n c e . c o m

BRANCHES

HEAD OFFICE

POKHARA- 25, HEMJA, KASKITEL: 061-400427/477, FAX: 061–400428

Email: [email protected]

Code Branch Name Location1 Hemja : Branch Office Kaski,Hemja-52 Udipur : Branch Office Lamjung,Udipur-43 Manakamana : Branch Office Gorkha,Manakamana-14 Galeshwor : Branch Office Myagdi,Ghatan-65 Mainapokhari : Branch Office Dolakha,Kabre-36 Khadichaur : Branch Office Sindhulpalchok,Mankha-17 Betrawati : Branch Office Rasuwa,Laharepauwa-18 Dhunche : Branch Office Rasuwa,Dhunche-59 Jomsom : Branch Office Mustang,Jomsom-510 Chame : Branch Office Manang,Chame-811 Salleri : Branch Office Solukhumbu,Salleri-512 Pumdibhumdi : Branch Office Kaski,Pumdibhumdi-113 Bharatpokhari : Branch Office Kaski,Bharatpokhari-314 Taplejung : Branch Office Taplejung,Fungling-515 Gyadi : Branch Office Parbat,Katuwachaupari-816 Nayapool : Branch Office Kaski,Salyan-817 Gangate : Branch Office Nuwakot,Jilling-318 Kharanitar : Branch Office Nuwakot,Narjamandap-219 Chhahare : Branch Office Nuwakot,Thansingh-120 Melamchi : Branch Office Sindhulpalchok,Shikharpur-321 Singati : Branch Office Dolakha,Laduk-822 Manthali : Branch Office Ramechhap,Khimtibesi-223 Kahun : Branch Office Kaski,Kahun-124 Bhachek : Branch Office Gorkha,Muchhok-825 Chautara : Branch Office Sindhulpalchok,Sangachowk-426 Mamling : Branch Office Sankhuwasabha,Mamling-527 Devitar : Branch Office Ramechhap,Phulasi-128 Tumlingtar : Branch Office Sankhuwasabha,Khandbari-1329 Bhojpur : Branch Office Bhojpur,Bhojpur Municipality-730 Diktel : Branch Office Khotang,Diktel Municipality-131 Haleshi : Branch Office Khotang,Mahadevasthan-432 Okhaldhunga : Branch Office Okhaldhunga,Siddhicharan Municipality-433 Musikot : Branch Office Rukum,Musikot Municipality-134 Chaurjahari : Branch Office Rukum,Chaurjahari-235 Satrasaya : Branch Office Tanahu,Anbukhaireni-136 Kumpur : Branch Office Dhading,Kumpur-337 Nalang : Branch Office Dhading,Kumpur-738 Jirikhimti : Branch Office Terhathum,Jirikhimti-1039 Danabari : Branch Office Ilam,Danabari-140 Ranke : Branch Office Ilam,Chamaita-141 Gopetar : Branch Office Panchthar,Panchami-142 Aathrai : Branch Office Terhathum,Sankrantibazar-143 Tinghare : Branch Office Ilam,Suryodaya-244 Biblyate : Branch Office Ilam,Barbote-145 Debrebas : Branch Office Dhankuta,Dhankuta Municipality-446 Sidhuwa : Branch Office Dhankuta,Parewadin-147 Bhedetar : Branch Office Dhankuta,Vedetar-148 Khairenitar : Branch Office Tanahu,Suklagandaki-1049 Taalghare : Branch Office Tanahu,Byas Municipality-150 Rambazar : Branch Office Lamjung,Karaputar-06

Code Branch Name Location51 Darbang : Sub-Branch Office Myagdi,Darwang-652 Ghara : Sub-Branch Office Myagdi,Dana-653 Kholagaun : Sub-Branch Office Rukum,Kholagaun-1154 Jhulneta : Sub-Branch Office Rukum,Jhula-455 Muktinath : Sub-Branch Office Mustang,Muktinath-156 Lalpur : Branch Office Kanchanpur,Krishnapur-757 Sadepani : Branch Office Kailali,Sadepani-658 Kanchanpur : Branch Office Bardiya,Thakudwara-359 Bankatawa : Branch Office Banke,Banakatawa-560 Jahare : Branch Office Surkhet,Jarbuta-961 Gadhawa : Branch Office Dang,Gadhawa-662 Odari : Branch Office Kapilbastu,Banganga-1163 Waling : Branch Office Syangja,Waling Municipality-164 Sarai : Branch Office Palpa,Masyam-165 Amuwa : Branch Office Rupandehi,Amuwa-166 Arunkhola : Branch Office Nawalparasi,Amarapuri-167 Kholesimal : Branch Office Chitawan,Ayodhyapuri-168 Salakpur : Branch Office Morang,Sundarpur-769 Labipur : Branch Office Sunsari,Ramganjsenuwari-370 Motigadha : Branch Office Udayapur,Trijuga Municipality-0371 Padariya : Branch Office Siraha,Lahan Municipality-1272 Bhiman : Branch Office Sindhuli,Kamalamai Municipality-1173 Dhalkebar : Branch Office Dhanusa,Dhalkebar-574 Gauridada : Branch Office Mahottari,Bardibas-175 Kadmaha : Branch Office Saptari,Sankarpura-476 Shantibazar: Branch Office Bardiya,Gulariya Municipality-377 Sattibazar: Branch Office Kailali,Tikapur Municipality-778 Chandanidodhara: Branch Office Kanchanpur,Mahendranagar Municipality-679 Gokuleshwor: Branch Office Baitadi,Dilasaini-680 Darchula: Branch Office Darchula,Malikarjun-581 Chainpur: Branch Office Bajhang,Chainpur-982 Sinja: Branch Office Jumla,Narakot-383 Dullu: Branch Office Dailekh,Dullu-484 Samserganj: Branch Office Banke,Samserganj-885 Bahuni : Branch Office Morang,Belbari-886 Puspalal Chowk : Branch Office Morang,Budhanagar-0187 Aurabani : Branch Office Sunsari,Gautampur-0288 Madhuban : Branch Office Sunsari,Bharaul-0289 Birendra Bazaar : Branch Office Saptari,Sambhunath-0690 Bishnupura : Branch Office Siraha,Bishnupurpra.Ma.-0191 Tarapatti : Branch Office Dhanusa,Mithileswornikas-792 Loharpatti : Branch Office Sarlahi,Kisanpur-693 Ishwarpur : Branch Office Sarlahi,Ishworpur-694 Birtachowk : Branch Office Rautahat,Garudabairiya-895 Dumarbona : Branch Office Bara,Jitpurbhawanipur-1596 Bariyarpur : Branch Office Bara,Gadhahal-297 Manawa Bazaar : Branch Office Parsa,Parsaunibirta-198 Bijauri : Branch Office Dang,Tulsipur Municipality-1999 Sotang : Branch Office Solukhumbu,Sotang-5

100 Suryapura : Branch Office Rupandehi,Suryapura-6


2

Board of Director Management Team

Sanjib SubbaChairman

Mr. Anand PandeyCEO

Mr. Romani Pd. PathakRepresentative-NMB Bank

Mr. Govind GhimireRepresentative-NMB Bank

Mr. Dinesh DulalRepresentative-NMB Bank

Mr. Ram Prasad MishraDGM

Mr. Shesh Narayan PokhrelHead- Credit & Risk

Mr. Surya Pd. UpadhyyaHead- Credit Business

Ram Gopal ParajuliDirector

Mim Bahadur HamalDirector

Mr. Bhubaneshor FularaHead- HR and GSD

Mr. Prem prasad SubediHead – Project,CSR & client protection

Mr. Anup BhariHead – Internal Audit

Mr. Upendra GurungHead – IT

Mr. Lalit BhattaHead – Finance

Govinda BanstolaCompany Secretary


laifo;"rL

qm=;= laifo k]h g+=

1 k|ltlglw -k|f]S;L_ kmf/d 1

2 lwtf]kq btf{ tyf lgisfzg lgodfjnL, @)&# sf] cg';"rL–!% 2

3 ;ftf}+ jflif{s ;fwf/0f ;ef ;DaGwL ;"rgf 3

4 ;~rfns ;ldltsf] tkm{af6 cWoIfHo"sf] dGtJo 5

5 ;~rfns ;ldltsf] tkm{af6 cWoIfHo"sf] k|ltj]bg 7

6 :jtGq n]vfk/LIfssf] k|ltj]bg 16

7 jf;nft 18

8 gfkmf gf]S;fg lx;fj 19

9 gub k|jfx ljj/0f 20

10 gfkmf gf]S;fg afF8kmfF8 lx;fj 21

11 OSjL6Ldf ePsf] kl/jt{g ;DaGwL ljj/0f 22

12 ljQLo ljj/0fx? ;+u ;DaGwLt cg';"rLx? 23–38

13 k|d'v n]vf gLltx? 39

14 n]vf ;DaGwL l6Kk0fLx? 43

15 ljz]if k|:tfjsf] ?kdf k]z ePsf] k|aGwkq tyf lgodfjnL tkm{sf] ;+zf]wg 50

16 a}+ssf] ljQLo ljj/0f k|sfzg ug{ g]kfn /fi6« a}+ssf] :jLs[lt kq / ;f] pk/ Joj:yfkgsf] k|ltlqmof 52


1

k|ltlglw -k|f]S;L_ kmf/dldltM ==================

>L ;~rfns ;ldltPgPdla n3'ljQ ljQLo ;+:yf lnld6]8kf]v/f–@% x]Dhf, sf:sL .

laifo M k|ltlglw lgo'Qm u/]sf] af/] .dxf]bo,=========================lhNnf======================================== g=kf=÷uf=lj=;= j8f g+= ====== a:g] d÷xfdL ======================================== n] To; sDkgLsf] z]o/wlgsf] x}l;otn] ldlt @)&& ;fn c;f/ dlxgfsf] @@ ut] ++;f]djf/sf lbg x'g] jflif{s ;fwf/0f ;efdf d÷xfdL :jo+ pkl:yt eO{ 5nkmn tyf lg0f{odf ;xefuL x'g g;Sg] ePsfn] pQm ;efdf d]/f]÷xfd|f] tkm{af6 efu lng tyf dtbfg ug{sf] nflu ===============================lhNnf============================ ================== =g=kf=÷uf=lj=;= j8f g+= ==== a:g] To; sDkgLsf z]o/wgL >L ======================================== z]o/wgL g+= =================== nfO{ d]/f]÷xfd|f] k|ltlglw lgo'Qm u/L k7fPsf] 5'÷5f}+ .k|ltlglw lgo'Qm ePsf] JolQmsf] – lgj]bssf] –b:tvtsf] gd"gf b:tvt Mgfd M gfd y/ Mz]o/wgL eP z]o/wgL k|df0fkq g+= M 7]ufgf Mlxtu|fxL vftf g+= M lxtu|fxL vftf÷Zf]o/ k|df0fkq g+=Mldlt M z]o/ ;+Vof M

b|i6Ao M of] lgj]bg ;fwf/0f ;ef x'g'eGbf slDtdf $* 306f cufj} ljQLo ;:yfsf] /lhi68{ sfof{nodf k]z u/L ;Sg' kg{]5 . PseGbf al9 k|ltlglw -k|f]S;L_ sf] gfd pNn]v u/]df k|ltlglw -k|f]S;L_ kmf/d /2 ul/g] 5 .

–––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––

PgPdla n3'ljQ ljQLo ;+:yf lnld6]8kf]v/f–@% x]Dhf, sf:sL .

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

k|j]z–kqz]o/wgLsf] gfdM ======================================= s"n z]o/ ;Vof M ========================

z]o/wgL kl/ro ÷ lxtu|fxL vftf -BOID) g++= M z]o/wgLsf] b:tvt

-sDkgL ;lrj_

-b|i6Ao M ;efdf efu lng cfp+bf of] k|a]z kqdf z]o/wgLsf] gfd, b:tvt, z]o/sf] k|df0fkq g+=, z]o/ ;+Vof tyf z]o/wgL kl/rokq÷BOID g+= clgjfo{ ?kdf pNn]v u/L cfkm\gf] kmf]6f] ;lxtsf] kl/rokq ;fy} lnO{ cfpg' x'g cg'/f]w ub{5f} ._


2

cfly{s jif{ @)&%÷)&^lwtf]kq btf{ tyf lgisfzg lgodfjnL, @)&# sf] cg';"rL –!%

-lgod @^ sf] pklgod @ ;uF ;DalGwt jflif{s k|ltj]bgdf ;dfj]z ug'{kg]{ ljj/0f_

!= ;~rfns ;ldltsf] k|ltj]bgM ;~rfns ;ldltsf] k|ltj]bg cf=j= @)&%÷)&^ sf] aflif{s k|ltj]bgdf ;+nUg ul/Psf] 5 .@= n]vf k/LIfssf] k|ltj]bg M n]vf k/LIfsssf] k|ltj]bg cf=j @)&%÷)&^ sf] aflif{s k|ltj]bgdf ;+nUg ul/Psf] 5 .#= n]vfk/LIf0f ePsf] ljQLo ljj/0f M n]vf k/LIfsssf] ePsf] ljQLo ljj/0f cf=j @)&%÷)&^ sf] aflif{s k|ltj]bgdf ;+nUg ul/Psf] 5 .$= sfg'gL sfjf{xL ;DalGw ljj/0f M

-s_ cf=j= @)&%÷)&^ df ;+:yfn] jf ;+:yfsf] lj?4 s'g} d'4f bfo/ ul/Psf] eP M o; cjlwdf o; ljQLo ;+:yfaf6 shf{ c;'nL tyf a}ssf] ;DkQL;Fu ;DalGwt @ yfg a+}lsª s;'/ ;DalGw d'4fx?

bfo/ ul/Psf] / ;f] d'4fx? pRr cbfnt kf]v/f / pRr cbfnt lj/f6gu/df ljrf/lwg /x]sf] 5 . -v_ o; ;+:yfsf ;+:yfks tyf ;~rfnsn] jf ;~rfns jf ;+:yfkssf la?4 k|rlnt lgodsf] cj1f cyjf kmf}hbf/L

ck/fw u/]sf] jf ;f] ;DaGwdf s'g} d'4f bfo/ u/]sf] jf ePsf] eP M o; ;DaGwdf o; ljQLo ;+:yfnfO{ s'g} hfgsf/L cfPsf] 5}g .-u_ s'g} ;+:yfks jf ;~rfns la?4 cfly{s ck/fw u/]sf] ;DaGwdf s'g} d'4f bfo/ u/]sf] eP M o; ;DaGwdf o; ljQLo ;+:yfnfO{ s'g} hfgsf/L cfPsf] 5}g .

%= ;+ul7t ;+:yfsf] z]o/ sf/f]jf/ tyf k|ultsf] laZn]if0f M-s_ lwtf]kq ahf/df ePsf] ;+ul7t ;+:yfsf] z]o/sf] sf/f]jf/ ;DaGwdf Joj:yfkgsf] wf/0ff M o; ljQLo ;+:yfsf] z]o/ g]kfn :6s PS;r]~h / g]kfn lwtf]kq af]8{sf] ;'kl/j]If0f tyf z]o/ d'No lwtf]kq ahf/sf]

gLlt lgod d'tfljs v'Nnf ahf/n] lgwf{0f u/]sf] d'No adf]lhd sf/f]jf/ eO/x]sf] 5 . k"FhL ahf/df o; ljQLo ;+:yfsf] z]o/ sf/f]jf/ / d"No ;+tf]ifhgs /x]sf] 5 .

-v_ cf=j= @)&%÷)&^ df ;+ul7t ;+:yfsf] z]o/sf] clwstd, Go"gtd / clGtd d"Nosf ;fy} s'n sf/f]jf/, z]o/ ;+Vof / sf/f]jf/ lbgM

g]kfn :6s PS;r]~hsf] j]j;fO6sf cg';f/ o; k|sf/ /x]sf] 5 .

ljj/0f c;f]h d;fGt -@)&%_

Kff}if d;fGt,-@)&%_

r}q d;fGt,@)&%

c;f/ d;fGt,@)&^

clwstd d"No ?= !,^$& !,$*) !,@!$ !,!*&

Go"gtd d"No ?= !,$!! (&$ (&% ($@

clGtd d"No ?= !,^$$ !,!$( !))! (()

s'n sf/]fjf/ z]o/ #@,)^$ #!,!&& !&,$#! $!,(!@

s'n sf/f]jf/ lbg ^@ %$ %* ^!^= ;d:of tyf r'gf}tLx? M o; k|ltj]bg leq ;dfa]z ul/Psf] 5 . &= ;+:yfut ;"zf;g M o; k|ltj]bg leq ;dfa]z ul/Psf] 5 .


3

PgPdla n3'ljQ ljQLo ;+:yf lnld6]8kf]v/f – @%, sf:sL, x]Dhfsf]

;ftf}+ jflif{s ;fwf/0f ;ef ;DaGwL ;"rgf- k|sflzt ldlt @)&&÷)#÷)!, cGgk'0f{ kf]i6_

cfb/0fLo z]o/wgL dxfg'efjx?, o; ljQLo ;+:yfsf] ;+rfns ;ldltsf] ldlt @)&^.!!.#) ut] j;]sf] (* cf} j}7saf6 lg0f{o eP adf]lhd o; ljQLo ;+:yfsf] ;ftf} jflif{s ;fwf/0f ;ef @)&^ ;fn r}q @^ ut] x'g] elg ;'rgf k|sflzt ul/Psf]df ;+;f/ e/ sf]/f]gf efO{/; -Covid -19 ) dxfdf/Lsf] ?kdf km}lnPsf]sf sf/0f b]zdf laifd kl/l:yltsf] ;[hgf eO{ ;~rfns ;ldltsf] ldlt @)&^.!@.!( ut] a;]sf] a}7s g+= !)! sf] lg0f{ofg';f/ csf]{ ;"rgf k|sflzt geP ;Ddsf nflu pQm jflif{s ;fwf/0f ;ef :ylut ul/Psf]df ljQLo ;+:yfsf]] ldlt @)&&÷)@÷#) ut] z'qmjf/ a;]sf] ;~rfns ;ldltsf] !)# cf} j}7ssf] lg0f{ofg';f/ o; ljQLo ;+:yfsf] ;ftf} jflif{s ;fwf/0f ;ef b]xfodf pNn]lvt ldlt, ;do / :yfgdf a:g] ePsf] x'Fbf sDkgL P]g, @)^# sf] bkmf ^&-@_ adf]lhd pQm jflif{s ;fwf/0f ;efdf ;Dk"0f{ z]o/wgL dxfg'efjsf] pkl:yltsfnflu xflb{s cg'/f]w ub{5f} . ;fwf/0f ;ef x'g] ldlt, :yfg / ;do M ldlt M @)&& ;fn c;f/ @@ ut], ;f]djf/ -tbg';f/ )^, h'nfO{ @)@)_ :yfg M PgPdlj n3'ljQ ljQLo ;+:yf lnld6]8, s]Gb|Lo sfof{no kl/;/, kf]v/f—@%, x]Dhf, sf:sL . ;do M laxfgsf] !!M)) ah]5nkmnsf ljifox? M-s_ ;fdfGo k|:tfjx? M!= ;~rfns ;ldltsf] tkm{af6 cWoIfHo"n] k]z ug'{x'g] cf=j= @)&%÷)&^ sf] ;ftf} jflif{s k|ltj]bg pk/ 5nkmn u/L kfl/t ug{]

;DaGwdf.@= n]vfk/LIfssf] k|ltj]bg ;lxt @)&^ cfiff9 d;fGtsf] jf;nft, cf=j= @)&%÷)&^ sf] gfkmf gf]S;fg lx;fj tyf ;f]xL cjlwsf]

gub k|jfx ljj/0f / ;f] ;+u ;DalGwt cg';"lrx? pk/ 5nkmn u/L kfl/t ug{] ;DaGwdf .#= ;+rfns ;ldltn] k|:tfj u/] adf]lhd xfn sfod r'Qmf k"FhLsf] )=^#@ k|ltztsf b/n] x'g cfpg] ?= @%,%&,((#÷$@ gub nfef+z

jfkt -jf]g; z]o/sf] s/ k|of]hgsf] nflu dfq_ ljt/0f ug]{ k|:tfj kfl/t ug]{ ;DaGwdf . $= n]vf k/LIf0f ;ldltsf] l;kmfl/z adf]lhd o; ljQLo ;+:yfsf] cf=j= @)&^÷)&& sf] n]vf k/LIf0f ug{sf nflu n]vfk/LIfssf]

lgol'Qm tyf lghsf] kfl/>lds tf]Sg] ;DaGwdf . -xfn axfnjfnf n]vf k/LIfs >L PglaP;Pd P08 Pzf]l;P6\;, rf6{8{ PsfpG6]G6\; k'gM lgo'QmLsfnflu of]Uo x'g'x'G5 ._

$= ;~rfns ;ldltdf k|ltlglwTj ug{ ;+:yfks z]o/wgLx?tkm{sf] cGo ;d"xaf6 ! hgf tyf ;j{;fwf/0f z]o/wgLsf] tkm{af6 @ hgf ;~rfnsx?sf] lgjf{rg ug]{ / :jtGq ;~rfnssf] lgo'lQm cg'df]bg ug]{ ;DaGwdf .

-v_ ljz]if k|:tfjx? M!= ;~rfns ;ldltaf6 k|:tfj eP adf]lhd xfn sfod -xsk|b z]o/sf] afF8kmfF8 kZrft ;d]tsf]_ r'Qmf kF"hL ?=$),%),!%,^@%÷– sf]

!@ k|ltztn] x'g cfpg] ?=$,*^,)!,*&%÷– a/fa/sf] af]g; z]o/ hf/L ug]{ ;DaGwL k|:tfj kfl/t ug]{ ;DaGwdf .@= ljQLo ;+:yfsf] k|jGwkqsf] bkmf ^ sf] v08 -v_ / -u_ tyf lgodfjnLsf] lgod @& sf] pklgod -#_, @(-!,@_ / #@ -!_-v_ df

cfjZos ;+zf]wg ug]{ ;DaGwL ljz]if k|:tfj kfl/t ug]{ ;DaGwdf . #= o; ljQLo ;+:yfn] g]kfn /fi6« a}saf6 Ohfhtkqk|fKt æ3Æ ju{sf cGo n3'ljQ ljQLo ;+:yf;+u ufEg]÷ufleg] jf k|flKt

(Merger/Acquisition) ;DaGwL k|s[of cuf8L a9fpg pko"Qm b]lvPdf ;f] k|of]hgsfnflu ;ldlt u7g ug]{, d"Nof+Ígstf{sf] lgo'lQm tyf lghsf] kfl/>lds tf]Sg]Ù ufEg]÷ufleg] jf k|fKtL ;DaGwL ;Demf}tf kqdf x:tfIf/ ug]{ nufotsf ;Dk"0f{ sfo{ ug]{ clVtof/L ;+rfns ;ldlt jf ;ldltn] tf]s]sf] kbflwsf/LnfO{ k|bfg ug]{ ;DaGwdf .

$= ljQLo ;+:yfsf] k|aGwkq tyf lgodfjnLdf ul/Psf] ;+zf]wgsf ;DaGwdf lgodgsf/L lgsfoaf6 s'g} ;+zf]wg, km]/abn jf kl/dfh{gsfnflu lgb]{zg ePdf ;f]xL adf]lhd ug{ u/fpg ;+rfns ;ldlt jf ;ldltn] tf]s]sf] kbflwsf/LnfO{ clVtof/L k|bfg ug]{ ;DaGwdf .

-u_ ljljw .

;~rfns ;ldltsf] cf1fn], -sDkgL ;lrj_


4

;ftf}+ jflif{s ;fwf/0f ;ef ;DaGwL cGo hfgsf/L

!= ;ftf}+ jflif{s ;fwf/0f ;ef k|of]hgfy{ ;~rfns ;ldltsf] (* cf} a}7ssf] lg0f{o adf]lhd ldlt @)&^ r}q !) ut]b]lv @)&^ r}q @^ ut];Dd o; ljQLo ;+:yfsf] z]o/wgL btf{ lstfa aGb /xsf] / g]kfn :6s PS;r]Gh lnld6]8df ldlt @)&^ r}q ( ut];Dd sf/f]af/ eO{ & sfo{lbg leq o; ljQLo ;+:yfsf] z]o/ /lhi6«f/ >L PgPdla Soflk6n lnld6]8, gfukf]v/L sf7df8f}af6 k|fKt gfd;f/Lsf] lnvtsf] cfwf/df z]o/wgL btf{ lstfadf sfod z]o/wgLx?n] dfq o; jflif{s ;fwf/0f ;efdf efu lng / af]gz tyf nfef+z kfpg of]Uo x'g]5g\ .

@= z]o/wgLx?sf] hfgsf/Lsf nflu jflif{s ;+lIfKt cfly{s ljj/0f o;} ;"rgf ;fy k|sflzt ul/Psf] 5 . jflif{s ;fwf/0f ;efdf k]z x'g] ;Dk'0f{ k|:tfjx? ljQLo ;+:yfsf] j]j;fO6 www.nmbmicrofinance.com df klg /flvPsf] 5 .

#= jflif{s ;fwf/0f ;efdf efu lng cfpFbf z]o/wgLx?n] jflif{s k|ltj]bgsf ;fy ;+nUg k|j]zkq jf z]o/sf] k|df0fkq÷lxtu|fxL vftfsf] k|df0f jf cfˆgf] kl/ro v'Ng] kmf]6f] ;lxtsf] kl/rokq jf ;f] sf] k|ltlnlk clgjfo{ ?kdf ;fydf lnO{ cfpg'x'g cg'/f]w 5 .

$= jflif{s ;fwf/0f ;efdf efu lng cfpg] z]o/wgL dxfg'efjx?n] ;ef x'g] :yfgdf pkl:yt eO{ ToxfF /flvg] pkl:ytL k'l:tsfdf b:tvt ug'{kg]{5 . z]o/wgL pkl:ytL k'l:tsf laxfg !)M)) ah]b]lv v'Nnf /xg]5 .

%= jflif{s ;fwf/0f ;efdf efu lngsfnflu k|ltlglw -k|f]S;L_ lgo'Qm ug{ rfxg] z]o/wgL dxfg'efjx?n] k|ltlglw kq -k|f]S;L kmf/d_ ;ef x'g' eGbf slDtdf $* 306f cufj} ljQLo ;+:yfsf] s]Gb|Lo sfof{no kf]v/f @%, x]Dhf, sf:sLdf btf{ u/fO{ ;Sg'kg]{5 .

^= k|ltlglw lgo'Qm ubf{ dtbfg ug{ clwsf/k|fKt ljQLo ;+:yfsf] z]o/wgL afx]s cGo AolQmnfO{ lgo'Qm ug{ ;lsg] 5}g . s'g} z]o/wgLn] k|ltlglw -k|f]S;L_ lgo'Qm u/]kl5 cfkm' :jo+ pkl:yt ePdf To:tf] k|ltlglw -k|f]S;L_ :jtM /2 ePsf] dflgg]5 .

&= gfafns jf ljlIfKt z]o/wgLx?sf] xsdf ljQLo ;+:yfsf] z]o/wgL btf{ k'l:tsfdf ;+/Ifssf] ?kdf gfd btf{ ePsf] JolQmn] dfq ;fwf/0f ;efdf efu lng jf k|ltlglw -k|f]S;L_ tf]Sg ;Sg]5 . ;+o'Qm ?kdf z]o/ lng] z]o/wgLx?sf] xsdf To:tf] z]o/wgLx? dWo]af6 ;j{;Ddt ?kdf dgf]lgt k|ltlglwn] jf ;f] adf]lhd s'g} k|ltlglw lgo'Qm gePdf z]o/wgL btf{ lstfadf klxnf] gfd pNn]v ePsf] z]o/wgLn] dfq ;fwf/0f ;efdf efu lng kfpg] 5 .

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

(= s'g} z]o/wgL dxfg'efjnfO{ ljQLo ;+:yfsf] ;DjGwdf s]xL lh1f;f eP To:tf] Joxf]/f lnlvt ?kdf ;ef x'g'eGbf slDtdf & -;ft_ lbg cufj} ljQLo ;+:yfsf] /lhi6{8{ sfof{nodf k7fpg'x'g cg'/f]w ub{5f}+ . t/ o;nfO{ 5nkmn / kfl/t x'g] k|:tfjsf] ?kdf ;dfj]z ul/g] 5}g .

!)= ;fwf/0f ;efdf efu lng cfpg'x'g] z]o/wgLx?n] ;fwf/0f ;ef;Fu ;DalGwt sfuhft afx]ssf s'g} emf]nf, kf]sf jf cGo lgif]lwt ;fdfu|L glnO{ cfpg'x'g cg'/f]w ul/Psf] 5 .

!!= lgjf{rg ;DaGwL sfo{s|dx? lgjf{rg clws[tn] ;"rgf k|sflzt u/] adf]lhd x'g]5 . lgjf{rg clws[tåf/f lgjf{rg ;DaGwL sfo{s|dx? ldlt @)&&÷)#÷!% ut] lbgsf] !!M)) ah] o; ljQLo ;+:yfsf] s]Gb|Lo sfof{no, kf]v/f –@%, x]Dhf, sf:sLsf] ;"rgf kf6Ldf 6fF; ul/g] 5 ;fy} ;+:yfsf] j]j;fO6df klg /flvg]5 .

!@= ;~rfns kbdf pd]bjf/ x'g rfxg] z]o/wgLn] ljQLo ;+:yfn] hf/L u/]sf] z]o/dWo] lwtf] aGws nufot s'g}klg k|sf/sf] aGws g/x]sf] sDtLdf !)) lsQf z]o/ cfkm|gf] gfddf u|x0f u/]sf] x'g'kg]{5 .

!#= ;~rfns kbdf pd]bjf/ x'g rfxg] z]o/wgLn] o; ljQLo ;+:yfsf] s]Gb|Lo sfof{no sf:sL lhNnf, kf]v/f dxfgu/kflnsf j8f g+= @% x]Dhfdf k|sflzt lgjf{rg ;DaGwL sfo{s|dsf] ;"rgfdf pNn]lvt ldlt / ;do leq a}+ssf] Pshgf ;fwf/0f z]o/wgL k|:tfjs / Ps hgf ;dy{s -;DalGwt ;d"xsf]_ ;lxt tf]lsPsf] 9fFrfdf cfˆgf] pDd]baf/Lsf] b/vf:t btf{ u/fpg' kg]{5 .

b|i6Jo M ljQLo ;+:yfsf] jflif{s k|ltj]bg ljQLo z]o/wgL dxfg'efjx?sf] ;'ljwfsf] nflu ljQLo ;+:yfsf] j]a;fO6 www.nmbmicrofinance.com df klg /flvPsf] x'Fbf ToxfFaf6 ;d]t x]g{ ;lsg] Joxf]/f hfgsf/L u/fp5f}+ .


5

PgPdla n3'ljQ ljQLo ;+:yf lnld6]8 ;ftf}+ jflif{s ;fwf/0f;efdf k|:t't

cWoIfsf] dGtAo

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

PgPdla n3'ljQ ljQLo;+:yf lnld6]8sf] ;ftf}+ jflif{s ;fwf/0f ;efdf o; ;+:yfsf] ;~rfns ;ldltsf] tkm{af6 pkl:yt

;Dk'0f{ z]o/wgL dxfg'efjx?nfO{ xflb{s :jfut tyf clejfbg ub{5' . o; ;+:yfsf] cfl{y{s jif{ @)&%÷)&^ df ePsf sf/f]af/sf]

;ldIff u/L eflj gLlt th'{df / of]hgf sfof{Gjog ug{ oxfFx?n] ;bf´}+ dfu{bz{g ug'{ x'g]5 eGg] cfzf Pj+ ljZjf; lnPsf] 5' .

cfhsf] o; jflif{s ;fwf/0f ;ef cfof]hgf x'b} ubf{, o; ;+:yfn] :yfkgfsf] ;ftf} jif{ k'/f u/L ;s]sf] 5 . & jif{sf] o;

ofqfdf ;+:yfn] ljleGg r'gf}ltx?sf] ;fdgf ub} k|fKt cj;/x?nfO{ ;lx ;b'kof]u u/L Ps pTs[i6 n3'ljQ ;+:yfdf cfkm'nfO{ :yflkt

ub}{ xfn g]kfnsf !,)!,)%! eGbf a9L 3/kl/jf/sf dlxnf lblb alxgLx?nfO{ ;xh n3'ljQLo kx"Fr k'¥ofpg ;kmn ePsf] 5 .

:yfkgfsf] 5f]6f] cjlwdf g} o; ;+:yfn] g]kfnsf %^ lhNnfdf !)) zfvf sfof{no :yfkgf u/L sfo{qmd lj:tf/ ul//x]sf] 5 .

cf=j= @)&%÷&^ sf] cGTo ;Dddf ;+:yfn] (&,#(& ;b:o, %!,*$* C0fL, ?= !,)*,@&,@!,#(% art, ? #,!$,$@,&&,$!*

nufgLdf /x]sf] shf{ /sd k'¥ofpg ;kmn ePsf] / aif{sf] cGTodf ? ^,)),$$,&@! v'b gfkmf cfh{g ug{ ;kmn ePsf] 5 .

@)&^ ciff9 d;fGtdf ljQLo ;+:yfsf] r'Qmf k"FhL ? !^@))^@%). /x]sf]df !M!=% sf] cg'kftdf xsk|b z]o/ lgZsfzg tyf

lals| / o; aif{sf] k|:tfa ul/Psf] af]g; z]o/ ljt/0f kZrft ljQLo ;+:yfsf] hf/L tyf r'Qmf k"FhL ? 45,36,17,500.00 k'Ug hfg]

Joxf]/f hfgsf/L u/fpbf dnfO{ ;fx|} v'zL nfu]sf] 5 .

;+:yfsf] d]?b08sf] ?kdf /x]sf] ljleGg tx / tKsfdf sfo{/t sd{rf/Lx?sf] bIftf clea[l4 ug{sf] nflu o; cf =j =leq

#%( hgf sd{rf/Lx?nfO{ ljleGg zLif{ssf tflnd tyf uf]i7Ldf ;dfj]z u/L sd{rf/Lsf] j[l4 ljsf; ul/Psf] Aoxf]/f cjut u/fpg

rfxG5' . ljutdf h:t} cfpg] lbgx?df klg sd{rf/Lsf] dgf]jn j[l4 ljsf; / bIftf j9fO{ o; ;+:yfnfO{ z;Qm / ;kmn ;+:yfsf]

?kdf ljsfz ub}{ nfg] of]hgf 5 .

cfb/0fLo z]o/wgL dxfg'efjx? xfnsf cj:yfx? lgofNbf cfkm'nfO{ lj1fg tyf k|ljlwjf6 6f9f/fVg] ;+:yf ;kmn x'g ;s]sf]

5}g . xfd|f] ;+:yfn] o;} ;DjGwdf cfpFbf ;dodf Automation / Technology af6 k|fKtx'g] ljleGg cj;/x?nfO{ cfTd;fy

ub}{ n}hfg] hfgsf/L ub{5' . Digitisation / Process Automation sf] dfWodaf6 of] ;+:yfdf sfo{ut r':ttf cfpg'sf

;fy} u|fxs ;b?ox?sf] sf/f]jf/ yk ;'/IfLt x'b} hfg]df ljZj:t 5' .

;+:yfn] a}lsË If]qdf ljBdfg /x]sf ljleGg hf]lvdx?nfO{ Go"lgs/0f ug{sf nflu cfGtl/s lgoGq0f k|0ffnLnfO{ r":t b'?:t

agfpb} nu]sf] 5 . >L g]kfn /fi6« a]}+s sf] lgb]{zg / k|rlnt sfg'gL k|fjwfg cg'?k ;~rfns ;ldltaf6 u}/ sfo{sf/L ;~rfnssf]

;+of]hsTjdf ljleGg pk–;ldldx? u7g ul/Psf] 5 . pk–;ldltx?af6 k|rlnt sfg'g Aoj:yf tyf g]kfn /fi6« a}+saf6 hf/L ul/Psf

lgb]{zgx? kfngf u/] ÷gu/]sf] ;DaGwdf ;ldIff u/L Joj:yfkgnfO{ cfjZos lgb]{zg lbg] sfo{x?;d]t ePsf] 5 .

o; ;+:yfnfO{ k|ulttkm{ pGd'v Pj+ ultzLn agfpg k|fKt ePsf] ;xof]u / dfu{bz{g sf] nflu lgodgsf/L lgsfox? g]kfn

/fi6« a}+s, g]kfn lwtf]kq af]8{, sDkgL /lhi6f/sf] sfof{no, g]kfn :6s PS;r]~h, l;l8P; P08 lSnol/ª xfp; ln nufot nfO{

;~rfns ;ldltsf] tkm{af6 xflb{s cfef/ AoQm ug{ rfxG5' . o; ;+:yfsf ;+:yfks tyf lgjt{dfg cWoIf >L pQd Enf]g Ho' tyf

:jtGq ;~rfns >L cRio't bQ kf08]n] o; ;+:yfdf /x]/ k'¥ofpg' ePsf] of]ubfgsf] sb/ ub{} xflb{s wGojfb lbg rfxG5' .

o; ljQLo ;+:yfnfO{ k|ToIf / k/f]If ;xof]u ug'{ x'g] ;+k"0f{ a}+s tyf ljQLo;+:yfx? k|lt klg xflb{s wGojfb k|s6 ub}{ cfufdL

lbgx?df klg lg/Gt/ ;xof]u k|fKt x'g] ljZjf; lnPsf] 5' . ;+:yfsf] k|ultdf k|ToIf jf ck|ToIf ?kn] ;+nUg z]o/wgL, u|fxs


6

;b:ox?, ;fem]bf/ ;+:yfx?, z]o/ /lhi6«f/ PgPdlj Soflk6 ln=, d'Vo sDkgL PgPdla a}s ln=, g]kfn n3'ljQ a}++s;{ ;+3, ljleGg

a}+s tyf ljQLo ;+:yfx?, ljleGg /]ld6\ofG; sDkgLx?, ljleGg ;~rf/ ;+:yfx? Pj+ cGo z'e]R5's ;+:yf tyf dxfg'efjx?af6 k|fKt

;xof]u, ;'´fj / dfu{ lgb]{zgsf nflu xflb{s wGoafb AoQm ug{ rfxfG5' . ;+:yfsf] ;'Joj:yfkg / pGglt÷k|ult k|lt O{dfGbf/ /lx

cfk\mgf] lhDd]jf/L k'/f ug]{ o; ;+:yfsf nuglzn , st{Jolgi7 k|d'v sfo{sf/L clws[t nufot ;Dk"0f{ sd{rf/Lx?k|lt ljz]if

wGojfb 1fkg ub{} cfufld lbgdf ;d]t s'zn sfo{af6 ;+:yfsf] k|ultdf c´ al9 of]ubfg k'Ug] ck]Iff /fv]sf] 5' .

cGTodf,

ljz]ift, u|fld0f If]qdf cjl:yt ljkGg ju{sf] cfly{s ;fdflhs pTyfgdf ;xof]u ug]{ k|d'v pW]Zo lnP/ ;~rflnt o;

;+:yfnfO{ ;a}sf] ;b\efjk'0f{ ;xof]u k|fKt eO/xg] k'0f{ cfzf u/]sf] 5' ;fy} o; ;ftf}+ jflif{s ;fwf/0f ;efdf pkl:yt eO{ sfo{qmsf]

ul/df a9fO lbg'ePsf]df pkl:yt ;a} k|lt xflb{s s[t1tf AoQm ug{ rfxfG5' .

wGojfb .

;+lha ;'Aaf

cWoIf

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ldlt @)&&÷)#÷@@ PgPdla n3'ljQ ljQLo ;+:yf lnld6]8


7

PgPdla n3'ljQ ljQLo ;+:yf lnld6]8sf] ;~rfns ;ldltsf]] tkm{aff6 k|:t'tcfly{s jif{ @)&%÷&^ sf] jflif{s k|ltj]bg

cfb/0fLo z]o/wgL dxfg'efjx¿, o; PgPdla n3'ljQ ljQLo ;+:yf lnld6]8sf] ;ftf}F jflif{s ;fwf/0f ;efdf pkl:yt ;Dk"0f{ z]o/wgL dxfg'efjx¿, lgodg lgsfox?af6 k|ltlglwTj ug'{ePsf k|ltlgwL Ho"x?, xfd|f] lgdGq0ffnfO{ :jLsf/ ul/ ljleGg ;+3 ;+:yf tyf sfof{noaf6 kfNg' ePsf dxfg'efjx?, kqsf/ Pj+ cGo cltly u0f, / sd{rf/L ;fyLx?df ljQLo ;+:yfsf] ;~rfns ;ldltsf] tyf d]/f] JolQmut tkm{af6 xflb{s :jfut Pj+ clejfbg ub{5' . o; cj;/df oxfFx¿ ;dIf ljQLo ;+:yfsf] ;ftf}F jflif{s k|ltj]bg k|:t't ug{ kfFpbf Hofb} v'zL nfu]sf] 5 . n3'ljQ sfo{qmdsf] dfWodaf6 g]kfnsf] u|fld0f tyf b"/b/fhsf ljkGg tyf lk5l8Psf ju{df a}+lsª kxF"r k'¥ofpg] / pgLx?sf] hLjg:t/ cfly{s tyf ;fdflhs ?kdf ;jn agfpg] p2]Zosf ;fy @)^( ;fndf :yflkt o; ljQLo ;+:yfn] ljleGg AojzfoLs cf/f]x / cj/f]xx?nfO{ kf/ ub}{ cfˆgf] nIo cg'?ksf] ;kmntf k|fKt ub}{ cfPsf] s'/f oxfFx? lar ;uf}/j k|:t't ug{ rfxfG5' . ljQLo ;+:yfsf] o; ;fwf/0f ;efsf] cj;/df oxfFx? ;dIf cf=j= )&%÷&^ df ljQLo ;+:yfdf eP u/]sf lqmofsnfkx?, ;+:yfn] xFfl;n u/]sf pknAwLx? tyf ljQLo ;+:yfsf] @)&^ cfiff9 d:ffGtsf] jf;nft, cfly{s jif{ )&%÷&^ sf] gfkmf gf]S;fg lx;fa, ;f]lx cjwLsf] gub k|jfx ljj/0f tyf ;+nUg cg';'rLx¿ 5nkmn ;lxt :jLs[ltsf nflu o; ul/dfdo ;efdf k|:t't ug]{ cg'dlt rfxG5' . -s_ ljut jif{sf] sf/f]af/sf] l;+xfjnf]sg M cf=j= @)&%÷)&^ sf/f]jf/sf] lx;fan] ;Gtf]ifhgs /x\of] . ;ldIff cf=j= sf] cGTo ;Dddf ljQLo ;+:yfn] b]zsf &^

lhNnf dWo] %^ lhNnfdf a;f]jf; ug{] (&,#(& ljkGg kl/jf/nfO{ !)) j6f zfvf sfof{no dfkm{t n3'ljQ ;]jf k|bfg ub}{ cfPsf] 5 .

cfly{s jif{ @)&%÷)&^ sf s]xL d'Vo pknlAwx? M–!= z]o/ kF"hL M g]kfn /fi6« a}+ssf] lgb]{zgdf Joj:yf eP adf]lhd /fli6«o:t/sf] n3'ljQ ;+:yf x'gnfO{ cfjZos kg]{ r'Qmf

k"FhL ?= !) s/f]8 tf]s]sf]df o; ljQLo ;+:yfsf] @)&^ cfiff9 d;fGt ;Dddf ;+:yfkssf] tkm{af6 ?= !! s/f]8 #$ nfv $ xhf/ # ;o krxQ/ / ;j{;fwf/0fsf] tkm{af6 ?= $ s/f]8 *^ nfv )! xhf/ )* ;o krxQ/ u/L hDdf r'Qmf k"FhL ? !^ s/f]8 @) nfv )^ xhf/ @ ;o %) ?kofF /x]sf] 5 / ljQLo ;+:yfsf] r'Qmf k"FhL cfhsf ldlt ;Dd xsk|b z]o/sf] afF8kmfF8 kZrft $) s/f]8, %) nfv, !% xhf/ ^ ;o @% ?kofF k'uL ;s]sf] hfgsf/L ub{5' . ;fy} cfhsf] ;fwf/0f ;efaf6 kfl/t x'g] af]gz z]o/ ;d]t ul/ ;+:yfsf] s'n $% s/f]8 #^ nfv !& xhf/ % ;o ?kofF x'g hfg] ;d]t hfgsf/L ub{5' .

@= zfvf lj:tf/ M ljQLo ;+:yfaf6 ;ldIff aif{df yk ( lhNnfdf sfo{s|d lj:tf/ ul/ yk @% zfvf :yfkgf ul/ xfn %^ lhNnfdf !)) j6f zfvf sfof{no dfkm{t ;]jf k|bfg ul/Psf] 5 .

#= d'gfkmf tyf af]gz z]o/ M ljQLo ;+:yfn] o; cjlwdf r'Qf k"FhL ? !^,@),)^,@%)=)) sf] 30 k|ltztsf] b/n] af]g; z]o/ / !=%* k|ltztsf b/n] gub nfef;+ -af]g; z]o/sf] s/ k|of]hgsf nflu_ ul/ #!=%* nfef+z k|:tfj u/]sf]df, 5}7f} ;fwf/0f ;efaf6 kfl/t eO{ lgisfzg ePsf] !M!=% cg'kftsf] @$#))(#=&% lsQf xsk|b z]o/ afF8kmfF8 eO{ ;s]kZrft x'g cfpg] /sd ? @$,#),)(,#&%.– -cIf?kL rf}lj; s/f]8, tL; nfv gf} xhf/ tLg ;o krxQ/ ?kofF_ ;d]t u/L sfod x'g cfpg] s'n r'Qmf k"FhL ? $),%),!%,^@%.– -cIf?kL rfnL; s/f]8 krf; nfv kGw| xhf/ 5 ;o kRrL;_ sf] !@ k|ltztsf b/n] x'g cfpg] ?= $,*^,)!,*&%. -cIf?kL rf/ s/f]8 5of;L nfv Ps xhf/ cf7 ;o krxQ/ ?kofF+_ af]g; z]o/ / ;f] sf] s/ k|of]hgsf] nflu )= ^#@ k|ltztsf b/n] x'g cfpg] /sd ?= @%,%&,((#=$@ -cIf?kL klRr; nfv ;GtfpGg xhf/ gf} ;o lqofgAo] ?kofF aofnL; k};f_ gub nfef+z ljt/0f ug{ ;Ifd ePsf] 5 .


8

o; ljQLo ;+:yfn] ljut % cfly{s jif{x?df xfl;n u/]sf pknAwLsf d'Vo ;'rsfÍx? b]xfo adf]lhd /x]sf] Aoxf]/f cg'/f]w ub{5' .

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@)&%÷&^lhNnf ;+Vof !% !( #& $% %$Zffvf÷pkzfvf ;+Vof @^ ## ^& &% !))s]Gb| ;+Vof !,#&) @,%)( $,)&( %,($! &,^!*;b:o ;+Vof !*,&(! #^,!*# %*,)*! &*,$!^ (&,#(&nufgLdf /x]sf] /sd -?= xhf/df_ $$*,!^% ($!,((& !,*@^,&^% @,@@$,&@@ #,!$$,@&&art /sd -?= xhf/df_ *$,*)^ !(@,&#% $)$,!&@ ^(^,%@( !,)*@,&@!r'Qmf k"FhL -?= xhf/df_ $),))) $^,))) !!@,&)) !$),*&% !^@,))^v'b d'gfkmf -?= xhf/df_ !),&#( @(,*^$ $%,$)# #@,&)^ ^),)$$-v_ /fli6«o tyf cGt/fli6«o kl/l:yltaf6 sDkgLsf] sf/f]jf/nfO{ k/]sf] c;/ M

cf=j=@)&%÷&^ df g]kfnL n3'ljQ If]qdf ljleGg ;d:of r'gf}tLx? b]vf k/]sf 5g\ . gofF n3'ljQ ljQLo ;+:yfx?n] Ohfht kfpg] qmd hfl//x]sf] x'Fbf n3'ljQ ljQLo ;+:yfx? lardf c:j:y k|lt:kwf{ a9\b} uPsf]n] u|fxsx?nfO{ ax' laQLos/0f tyf clws C0f k|jfx x'g uO shf{ cz'nL ;d:of a[l4 x'Fb} uPsf]n] shf{ u'0f:t/ sfod ug{ tyf hf]lvd Joj:yfkg ug{ r'gf}tL a9b} uPsf] 5 . ;fy} ljQ ahf/df ;do ;dodf b]vfk/]sf] t/ntf ;DalGw ;d:ofsf] sf/0f n3'ljQ ljQLo ;+:yfnfO{ cfjZos >f]tsf] Joj:yfkg r'gf}tLk'0f{ /x]sf]] 5 . laBdfg r'gf}tLx?nfO{ Go"lgs/0f ug{sf] nflu ;dofg's'n pkfox? cjnDjg u/L ;+:yfsf] hf]lvd sd ug{ ;~rfns ;ldlt tyf Joj:yfkg k|of;/t /x]sf] 5 . ;fy}, dxfdf/L, k|fs[lts k|sf]k h:tf ljkQLx?sf] k|tIo c;/ u|fld0f If]qdf / cfly{s :yLlt sdhf]/ ePsf u|fxs ;b:ox?df z;Qm x'g] x'bfF o:sf] ;d]t Joj:yf u/L cufl8 j9\g' r'gf}tLk"0f{ 5 .

-u_ k|ltj]bg tof/ ePsf] ldlt;Dd rfn' cfly{s jif{sf] pknlAw / eljiodf ug'{kg{] ljifosf ;DaGwdf ;~rfns ;ldltsf] wf/0ffM!= pknlAwsf] ljj/0f M!=! ljQLo ;+:yfsf] rfn' cf=a=sf] df3 d;fGt;Ddsf] ljQLo ljj/0f cg';f/ sf/f]af/df ePsf] pknAwLsf] ljj/0f b]xfo

adf]lhd /x]sf] 5 M

qm=;+= ljj/0f cf=j= @)&%÷&^ sf] cfiff9 d;fGt ;Ddsf]

Rffn' cf=j= @)&^÷&& sf] df3 d;fGt ;Ddsf]

! lhNnf ;+Vof %$ %$

@ Zffvf tyf pkzfvf ;+Vof !)) !))

# s]Gb| ;+Vof &,^!* &,(^!

$ ;b:o ;+Vof (&,#(& !,)!,)%!

% nufgLdf /x]sf] /sd -?=_ #,!$$,@&&,$!* #,^),&%,%#,%#^

^ art /sd -?=_ !,)*@,&@!,#(% !#,$#,&,^*,(*%!=@ o; cjlwdf ljQLo ;+:yfn] ;Ifd o' s] P8 / cj;/ kmfpG8];g;uFsf] ;xsfo{df ljQLo ;fIf/tf ;DaGwL ljleGg

sfo{qmd ;~rfng ug'{sf ;fy} u|fxsx?nfO{ / ljQLo ;+:yfsf sd{rf/LnfO{ lzkd'ns tflnd k|bfg ub}{ cfPsf] / @@ zfvfdf %# a6f 6\ofan]6 ljt/0f ul/ zfvfx?sf] l8lh6fOh];g ug]{ sfo{ ;DkGg e};s]sf] 5 .

!=# o; cjlwdf ljQLo ;+:yfn] ljleGg r/0fdf txut ?kdf lkmN8 sd{rf/L, zfvf tyf s]GbLo sfof{nosf $)% sd{rf/Lx?nfO{ lwtf]shf{ Aoj:yfkg, n3'ljQ lkmN8 Aoj:yfkg, zfvf Aoj:yfkg h:tf sd{rf/L Ifdtf clea[l¢ ;DjGwL tflndx? k|bfg ul/Psf] 5 .


9

@= ljQLo ;+:yfsf] efjL of]hgf M@=! u|fxs ;b:ox?df ljQLo kx'Fr, ljQLo ;fIf/tf tyf l;k ljsf; / k"FhLsf] pknAwtfnfO{ ;Fu;u} nuL u|fld0f If]qdf

Jofkf/ lj:tf/ dfq geO{ /f]huf/Lsf cj;/ klg ;[hgf ul/g] 5 .@=@ k|ljlwsf] k|of]u u/L u|fxs ;b:ox?af6 o; ;+:yfdf ug]{ sf/f]jf/nfO{ yk ;'/IfLt, l56f] 5l/tf] ;/n tyf kf/bzL{

agfOg] 5 . @=# shf{ / jrtsf Product x? yk ug{], ;fdflhs ;'/If0fsf sfo{qmd yk u/]/ :yfgLo txsf] cfjZostf cg';f/sf]

;]jf k|bfg ul/g] 5 .@=$ ljQLo ;+:yfnfO{ ;jn agfpg] nIo cg'?k yk k"FhL a[l¢sf] of]hgf klg clw ;fl/g] 5 .#= ljQLo ;+:yfn] d"Vo ;/f]sf/jfnfx¿ (Stakeholders) sf] cfjZostf, rfxgf / ck]IffnfO{ ;d]6\g] qmddf lgDg

adf]lhdsf sfo{x? ug{]÷u/fpg] 5 .#=! u|fxs ;b:osf] rfxgf / cfjZostf cg';f/sf] shf{, jrt tyf cGo ;]jfx? ljsf; u/L pknAb u/fpg] .#=@ sd{rf/L ju{sf] pTkfbsTj a9fpg pT;flxt cj:yfdf /fVg] / ;do;fk]If ;'ljwf yk ug{],#=# z]o/wgLx¿nfO{ nufgLsf] plrt k|ltkmn pknAw u/fpg],#=$ ufxs ;+/If0f ;+u ;DalGwt sfo{qmdx? ;~rfng ug]{#=% ;dfhdf cfˆgf] of]ubfg lbg] tyf Jokf/Ls s[ofsnfk k|lt ;d]t ;r]t /xL o; If]qdf sfo{qmdx? ;~rfng ug]{ .

-3_ ljQLo ;+:yfsf] cf}Bf]lus tyf Joj;foLs ;DaGw Mo; ljQLo ;+:yfsf] g]kfn /fi6« a}+s, sDkgL /lhi6«f/sf] sfof{no g]kfn lwtf]kq af]8{, g]kfn :6s PS;r]Gh nufotsf lgofds lgsfo / cGo lgsfo;Fu ;'dw'/ ;DjGw /xL cfPsf] 5 . ;/sf/L–u}/;/sf/L ;+:yf / a}+s tyf ljQLo ;+:yfx? nufotsf ;Dk"0f{ ;/f]sf/jfnfx?;Fu ;f}xfb{k"0f{ ;DjGw sfod /fVb} ;xsfo{ ub}{ cfO{/x]sf] 5 . oL / o:t} k|sf/sf ;DaGwx?n] eljiodf ljQLo ;+:yfsf] sfo{ ;Dkfbg cem /fd|f] x'g] ck]Iff ul/Psf] 5 .

-ª_ ;~rfns ;ldltdf ePsf] x]/km]/ / ;f]sf] sf/0f M!= cf=j= @)&%÷)&^ sf] cGTo ;Dddf ;~rfns ;ldltsf] Joj:yf o; k|sf/ /x]sf] lyof] M

qm=;+= Gffd Kfb

! >L pQd Enf]g cWoIf

@ >L uf]laGb l3ld/] k|ltlglw– PgPdla a}+s ln

# >L lbg]z b'nfn k|ltlglw– PgPdla a}+s ln

$ >L /f]d0fL k|;fb kf7s k|ltlglw– PgPdla a}+s ln

% >L /fduf]kfn k/fh'nL ;~rfns– ;j{;fwf/0f

^ >L ldd axfb'/ xdfn ;~rfns– ;j{;fwf/0f

& >L cRo'tbQ kf08] :jtGq ;~rfns cf=j= @)&%÷&^ df ;~rfns ;ldltdf s'g} x]/km]/ ePsf] 5}g .-r_ sf/f]af/nfO{ c;/ kfg{] d'Vo s'/fx¿ M!= afl0fHo a}+sx? / cGo ljQLo ;+:yfaf6 yf]s ?kdf pknAw x'Fb} cfPsf] ljkGg ju{ shf{sf] Jofhb/df x'g] ptf/ r9fjn] klg

nfutdf c;/ k/L ;ldIff jif{sf] d'gfkmfdf ;d]t c;/ k5{ .@= ;do ;dodf x'g] k|fs[lts k|sf]k, d"Noj[l4, df}lb|s tyf ljQLo gLlt nufot ck|Tofl;t ?kdf x'g] gLltut kl/jt{g Pj+ lgb]{zg

;+:yfsf] sf/f]jf/nfO{ k|ToIf jf ck|ToIf ?kdf c;/ kfg{] sf/ssf] ?kdf /xG5g\ .#= n3'ljQ ;]jfsf] sf/f]jf/ ;xsf/L P]g, ljQLo dWo:ytf P]g / a}+s tyf ljQLo ;+:yf ;DaGwL P]g cGtu{t ;~rfnLt ;+:yfx?af6

e}/x]sf] 5 . a}+s tyf ljQLo ;+:yf ;DaGwL P]gsf] clwgdf /xL s ju{, v ju{, u ju{sf a}+s tyf ljQLo ;+:yfx? / 3 ju{sf ljQLo ;+:yfx?n] ;~rfng ug{] n3'ljQ ;]jfsf] k|s[of, shf{sf] cfsf/ / pknAw cGo a}+lsª ;]jf ;'ljwfx?df klg km/s kg]{ ePsfn] sfo{If]qdf o;sf k[ys c;/ b]lvG5g\ .

$= b'u{d lhNnfsf] hg;+Vof tyf hl6n e"–agf]6n] ubf{ ck]lIft k|ltkmn k|fKt x'g g;Sg] ePsfn] pQm :yfgdf sfo{/t ;+:yfnfO{


10

/fHoaf6 s/ 5'6sf] Joj:yf gePtfklg g]kfn /fi6« a}+saf6 ;x'lnot shf{sf gLltut Joj:yf cfO;s]sf]n] b'u{d If]qdf ;]jf lj:tf/ e}/x]sf] b]lvG5 .

%= ljQLo ;+:yfsf] sf/f]jf/df kg{;Sg] c;/sf nflu ;~rfns ;ldlt, n]vfk/LIf0f ;ldlt, hf]lvd Joj:yfkg ;ldlt, ;DkQL z'l¢s/0f cg'udg ;ldlt, sd{rf/L Joj:yfkg tyf ;]jf;'ljwf ;ldlt / Joj:yfkg kIf rgfvf] /xL ;Defljt xfgL gf]S;fgL sd ug{ k|lta¢ /x]sf] 5 . o;sf cnjf Aoj:yfkgdf shf{ c;'nL ;ldlt, vl/b ;ldlt, kbk'tL{ ;ldlt, cfly{s lgb]{zg ;ldlt, ;DkQL tyf bfloTj ;ldlt ;d]t k|lta¢ /x]sf] 5 .

-5_ n]vfk/LIf0f k|ltj]bgdf s'g} s}lkmot pNn]v ePsf] eP ;f]sf] pk/ ;+rfns ;ldltsf] k|ltlqmof MljQLo ;+:yfsf] lgoldt sfo{;Dkfbgsf qmddf ePsf ;fdfGo sdL sdhf]/L afx]s g]kfn /fi6« a}+ssf] gLlt lgb]{zg, sDkgL /lhi6«f/sf] sfof{no tyf g]kfnsf] k|rlnt sfg'g ljk/Ltsf sfo{ u/]sf] uDeL/ k|s[ltsf l6Kk0fLx¿ n]vfk/LIf0f k|ltj]bgdf pNn]v ePsf] 5}g .

-h_ nfef+z afF8kmfF8 ug{ l;kmfl/; ul/Psf] /sd Mo; ljQLo ;+:yfsf] ;~rfns ;ldltsf] ldlt @)&^÷)&÷)* df a;]sf] ;~rfns ;ldltsf] (@ cf} a}7sn] z]o/wgLx?nfO{ cf= j= @)&%÷)&^ sf] v'b d'gfkmf tyf cf= j= @)&%÷)&^ ;Ddsf] ;l~rt d'gfkmf ;d]taf6 @)&^ cfiff9 d;fGtdf sfod /x]sf] r'Qmf k'hL ? !^,@),)^,@%).– -cIf?kL ;f]x| s/f]8 aL; nfv 5 xhf/ b'O{ ;o krf; / ut jif{sf] 5}7f} ;fwf/0f ;efaf6 kfl/t eO{ xfn lgisfzg k|ls|ofdf /x]sf] !M!=% cg'kftsf] @$#))(#=&% lsQf xsk|b z]o/ afF8kmfF8 eO{ ;s]kZrft x'g cfpg] /sd ? @$,#),)(,#&%.– -cIf?kL rf}lj; s/f]8, tL; nfv gf} xhf/ tLg ;o krxQ/ ?kofF_ ;d]t u/L sfod x'g cfpg] s'n r'Qmf k"FhL ? $),%),!%,^@%.– -cIf?kL rfnL; s/f]8 krf; nfv kGw| xhf/ 5 ;o kRrL;_ dWo]af6 !@ k|ltztsf b/n] x'g cfpg] ?= $,*^,)!,*&%. -cIf?kL rf/ s/f]8 5of;L nfv Ps xhf/ cf7 ;o krxQ/ ?kofF+_ af]g; z]o/ / ;f] sf] s/ k|of]hgsf] nflu )= ^#@ k|ltztsf b/n] x'g cfpg] /sd ?= @%,%&,((#=$@ -cIf?kL klRr; nfv ;GtfpGg xhf/ gf} ;o lqofgAo] ?kofF aofnL; k};f_ gub nfef+z ljt/0f ug{ l;kmfl/; u/]sf] 5 .

-em_ sDkgL P]g-klxnf] ;+zf]wg_, @)&$ sf] bkmf !)( sf] pkbkmf $ ;Fu ;DalGwt ;~rfns ;ldltsf] ;+lIfKt k|ltj]bg MsDkgL P]g-klxnf] ;+zf]wg_, @)&$, sf] bkmf !)( sf] pkbkmf $ ;Fu ;DalGwt ljj/0fx?nfO{ o;} k|ltjb]gsf] c+usf] ?kdf cg';"rL -!_ df k|:t't ul/Psf] 5 .

-`_ cGo cfjZos s'/fx¿ M!= n]vfkl/Ifssf] lgo'lQm M

g]kfn /fi6« a}+saf6 :jLs[t n]vfk/LIfsx?sf] ;"rLdf /x]sf n]vfk/LIfs >L NBSM & Associates rf6{8{ Psfp06]06\;n] ljQLo ;+:yfsf] cfly{s jif{ @)&%÷&^ sf] n]vfk/LIf0f sfo{ ;DkGg ug'{ePsf] 5 . sDkgL P]gsf] bkmf !!! adf]lhd rfn' cfly{s jif{{ @)&^÷&& sf] afXo n]vfk/LIf0f, 6\ofS; cl86, tyf sDkgL P]g bkmf &* adf]lhdsf] ljj/0f k|df0fLt ug{ lgo'lQ cjlw leq ;+:yfnfO{ cfjZos kg]{ ljleGg k|dfl0ft sfo{ eP ;f] ;d]t ug{sf] nflu NBSM & Associates nfO{ k'g lgo'Qm ug{ / lghsf] kfl/>lds s/ afx]s ?=!,@%,))).– -cIf]?kL M Ps nfv klRr; xhf/ dfq_ tyf oftfoft vr{ -kf6{g/ n]vfk/LIfsnfO{ xjfO{ oftfoft ef8f vr{ / ;xfos n]vfkl/Ifs nfO{ a; ef8f vr{_ / b}lgs e|d0f eQf kf6{g/ n]vfk/LIfsnfO{ ?= @@)).)) k|ltlbg / ;xfos n]vfk/LIfsnfO{ ? !$)).)) k|lt lbg k|bfg ug]{ ul/ lgo'lQmsf zt{x? lgwf{/0f u/L n]vfkl/If0f ;ldltaf6 l;kmfl/; ePsf] 5 . n]vfk/LIfssf] lgo'lQm ;DaGwL k|:tfj :jLs[ltsf nflu oxfFx? ;dIf k]z ul/Psf] 5 .

@= ;+:yfut ;'zf;g M;+:yfut ;"zf;g ;DaGwdf g]kfn /fi6« a}+s tyf cGo lgofds lgsfosaf6 ;do ;dodf hf/L ePsf gLlt lgb]{zgnfO{ ;hu eO{ kfngf ug]{ ul/Psf] 5 . ;~rfns ;ldlt / ;f] cGtu{t ul7t n]vf k/LIf0f ;ldlt,hf]lvd Aoa:yfkg ;ldlt, sd{rf/L Aoa:yfkg tyf ;]jf;'ljwf ;ldlt / ;DkQL z'l4s/0f cg'udg ;ldltn] cfkm'nfO{ tf]lsPsf] sfo{ef/ cg';f/sf sfdx? lgoldt ?kdf ;Dkfbg ul//x]sf 5g\.

s]Gb|Lo sfof{nodf 5'§} cfGtl/s n]vf k/LIf0f ljefu u7g ul/ ljefusf sd{rf/Lx?af6 s]Gb|Lo sfof{no / ;Dk"0f{ zfvf sfof{nox?sf] cfGtl/s n]vf kl/If0f ug]{ Aoa:yf ul/Psf] 5 . ljQLo ;+:yfsf] s]Gb|Lo sfof{nodf Joj:yfkgaf6 ul7t


11

Joj:yfkg ;ldlt, cfly{s lgb]{zg ;ldlt, kbk"lt{ ;ldlt, v/Lb ;ldlt, ,shf{ c;'nL ;ldtL / ;DkQL tyf bfloTj ;ldltn] k|rlnt sfg'g / ljQLo ;+:yfsf sfo{ljwLx?sf] clwgdf /lx cfkm"nfO{ tf]lsPsf sfo{x? ;Dkfbg ub}{ cfO/x]sf 5g\ .

b]zsf] ;+l3o ;+/rgf cg';f/ ;ft} k|b]zx?df k|b]z k|d'vx? Tff]sL k|b]z k|d'v tyf lgh dftfxtsf cg'udg clws[tx?af6 k|b]z cGtu{tsf zfvfx?n] ;Dkfbg ug]{ sfdx?sf] cg'udg u/fpg] Aoa:yf ul/Psf] 5 . g]kfn /fi6« a}saf6 x'g] :ynut ;'kl/a]If0faf6 k|fKt ePsf] k[i7kf]if0fx?nfO{ cfTd;fy ub}{ ;+:yfut ;'zf;gsf] :t/nfO{ ;'b[9 agfpgdf ;~rfns ;ldlt tyf Joj:yfkg k|ltj4 5g\ . lgodgsf/L lgsfox?df k7fpg'kg]{ k|ltj]bgx? tf]lsPsf] ;dofjwL leq k7fpg] ul/Psf] 5. ;a{;fwf/0fnfO{ lbg'kg]{ ;"rgf tf]lsPsf] ;dofawL leq k|sflzt k|;fl/t ug]{ ul/Psf] 5 . ljQLo ;+:yfsf ;Dk"0f{ lqmofsnfkx? k|rlnt sfg'g, lgodgsf/L lgsfosf lgb]{zg / ;+:yfsf cfGtl/s ljlgodfjnL / sfo{ljwLx?sf] clwgdf ;s];Dd kf/bzL{ 9ª\uaf6 ;Dkfbg ug]{ ul/Psf] 5 .

#= ;d:of tyf r'gf}tLx? M n3'ljQsf] If]qdf c;+Vo ljQLo ;+:yfx? ;~rfngdf /x]sf] cj:yf oxfFx?nfO{ cjutg} 5. n3'ljQ ljQLo ;+:yfx? lardf c:j:y k|lt:kwf{ a9\b} uPsf]n] u|fxsx?nfO{ ax' ljQLos/0f tyf clws C0f k|jfx x'g uO shf{ cz'nL ;d:of a[l4 x'Fb} uPsf]n] shf{ u'0f:t/ sfod ug{ tyf hf]lvd Joj:yfkg ug{ r'gf}tL a9b} uPsf] 5 . sfo{If]qsf] ef}uf]lns ljs6tfn] sfo{qmd ;~rfng ubf{ sd{rf/L pTkfbsTj Go"g b]lvg] tyf ;f]lx sf/0fn] ;~rfng nfut a9L ePsf] r'gf}tLsf] ;fdgf klg ug'{k/]sf] 5 .

lgofds lgsfoaf6 ;do ;dodf k|fKt x'g] lgb]{zgsf] dfWodaf6 x'g] kl/jt{g / ;f] cg';f/sf] :k|]8 b/n] ljQLo ;+:yfsf] cfDbfgLdf k|ToIf c;/ kg]{ tyf af0fLHo a}+sx?n] ljkGg ju{df k|jfx ug]{ shf{sf] Jofhb/df a[l4 ePsf]n] nfut a9\g] / ljQLo If]qdf ;do ;dodf b]vfkg]{ t/ntfsf] ;d:ofn] ljQLo >f]t h'6fpg ;d:of eO{ sfo{qmd lj:tf/df r'gf}tL /x]sf] 5 .

g]kfn /fi6« a}+saf6 gofF Ohfht kfKt ug]{ n3'ljQx?n] cfs|ds ?kdf zfvf lj:tf/df nfu]sf / 7'nf n3'ljQ ljQLo ;+:yfx?df ;fk]lIft ?kdf sd{rf/L ;]jf ;'ljwf jl9 ePsf]n] ;du| n3'ljQ If]qdf sd{rf/Lsf] ;+:yf 5f]8\g] k|j[tL j[l4 ePsf] sf/0f o; If]qdf dfgj ;+;fwg Aoj:yfkg r'gf}tLk'0f{ 5 .

pNn]lvt r'gf}tLx?sf] ;fdgf ub}{ ljQLo ;+:yfsf] k"FhL a[l4 ub}{ n}hfg], zfvf la:tf/ ug]{, ljQLo kx'Fraf6 6f9f /x]sf u|fld0f tyf ljkGg 3/kl/jf/df cfw'lgs k|ljlw d}qL ljQLo ;]jf k'¥ofpg], / ljQLo ;+:yf ;+u /x]sf >f]t ;fwgsf] clwstd pkof]u u/L ;+:yfsf] ljQLo Ifdtf ;'b[9 ub}{ hfg] Joj:yfkgsf] /0fgLlt /x]sf] 5 .

$= ;+:yfut ;fdflhs pQ/bfloTj M g]kfn /fi6« a}+ssf] lgb]{zg cg'?k ;+:yfut ;fdflhs pQ/bloTj sf]ifdf /fVg'kg]{ /sd 5'§} ;+:yfut ;fdflhs pQ/bloTj sf]if v8f ul/ /flvPsf] 5 . cf=j=@)&%÷)&^ sfo{ljwL tof/ e}g;s]sf] sf/0f ;f] sf]ifdf Aooef/ x'g]ul/ vr{ ug{ g;lsPsf]df rfn' cfly{s aif{ @)&^÷)&& df ;+:yfut ;fdflhs pQ/bfloTj sfo{ljlw ;~rfns ;ldltaf6 kfl/t e} nfu' e};s]sf]n] sfo{ljwLsf] clwgdf /lx ;f] sf]ifaf6 Aooef/ x'g]ul/ ;+:yfut ;fdflhs pQ/bfloTj ;DalGwt e}/x]sf] 5 .

%= u|fxs ;/If0f sf]ifsf] Aoj:yfkg M ljutdf u|fxs ;b:ox?af6 shf{ ;'/If0fsf]if / ;fdflhs ;'/If0f sf]ifdf /sd ;+sng ul/ u|fxssf] lxt ;+/If0fdf pkof]u ug]{ ul/]Psf]df g]kfn /fi6«a}ssf] lgb]{zg adf]lhd ldlt @)&% df3 ! ut] af6 ;f] ;+sng sfo{ aGb ul/ ;f] sf]ifx?df df}Hbft /x]sf] shf{ ;'/If0fsf]ifsf] ? !*,$)$,*#%. / ;fdflhs ;'/Iff sf]ifsf] ? !#,$^^,()). ;d]t ul/ ? #!,*&!,&#$. /sd u|fxs ;+/If0f sf]ifdf /sfdfGt/ ul/ u|fxs ;/If0f sf]if sfo{ljlw @)&^ cg';f/ pkof]u ug]{ ul/Psf] 5 .

^= dfgj ;+zfwg MljQLo ;+:yfn] sd{rf/Lx¿nfO{ yk ;zQm, ;+:yfut, u'0f:t/ ;lxtsf] glthfd'vL agfpg, tyf sd{rf/Lsf] pTkfbsTjdf a[l4ug{, jt{dfgdf sd{rf/Lsf] ;]jf ;'ljwf / eljiosf] ;]jf ;'/Iff / ;'lglZrttf k|bfg ub{} dfgj ;+;fwgnfO{ Jojl:yt u/]sf] 5 . sd{rf/L ;]jf ljlgodfjnLsf] Joj:yfsf] clwgdf /xL cfjZostf cg';f/ kbk'tL{ ;ldltsf] lzkmfl/;df sd{rf/L 5gf]6, egf{ ;?jf tyf jflif{s sfo{ d"Nof+sgsf] cfwf/df tf]lsPsf] b/jGbL leq /xg] u/L sd{rf/Lsf] kbf]GgtL ug]{ ul/Psf] 5 . ;fy} ljQLo ;+:yfn] pknAw >f]t / ;fwgsf] cfwf/df dfgj ;+zfwgsf] ljsfz / Ifdtf clea[l¢ ;DaGwL sfo{s|ddf ljz]if hf]8 lbb} cfPsf] 5 .


12

&= ;~rf/ tyf ;"rgf k|ljwL M;+:yfsf] sf/f]jf/nfO{ l56f] 5l/tf] / ljZj;lgo agfpgsf] nflu ;+:yfdf Centralized Server ;lxtsf] Software h8fg ul/ sfo{ ;Dkfbg ug]{ ul/Psf] 5 . ;+:yfsf ;Dk"0f{ zfvfx? ;f] Software df cfj4 ul/Psf] 5 . ;+k"0f{ zfvfx?df Email / Internet sf] Aoa:yf ul/Psf] 5 . Software sf] Data Backup s]Gb|Lo sfof{no / sf7df08f} ul/ b'O{ 7fFpdf /fVg] Aoa:yf ul/Psf] 5 . Process Automation tyf Digitalization sf] k|lqmof cfpbf lbgdf yk z;Qm agfO{b} nlug] 5 .

*= ;DalGwt kIf ljj/0f Mo; ljQLo ;+:yfn] ;~rfns ;ldltsf] ljQLo :jfy{ ePsf] s'g} klg kIf;Fu ljQLo sf/f]jf/ u/]sf] 5}g . ;~rfns tyf sfo{sf/L k|d'vsf] ljj/0f / lghx¿nfO{ pknAw u/fOPsf] ;'ljwf o;} k|ltj]bgsf] cg';"rL –! df pNn]v ul/Psf] 5 .

(= wGojfb 1fkg Mo; ;+:yfnfO{ k|ulttkm{ pGd'v Pj+ ultzLn agfpg k|fKt ePsf] ;xof]u / dfu{bz{g sf] nflu lgodgsf/L lgsfox? g]kfn /fi6« a}+s,g]kfn lwtf]kq af]8{, sDkgL /lhi6f/sf] sfof{no, g]kfn :6s PS;r]~h, l;l8P; P08 lSnol/ª xfp; lnld6]8 nufot nfO{ ;~rfns ;ldltsf] tkm{af6 xflb{s cfef/ AoQm ug{ rfxG5' . o; ;+:yfsf ;+:yfks tyf lgjt{dfg cWoIf >L pQd Enf]g Ho' tyf :jtGq ;~rfns >L cRo't bQ kf08]n] o; ;+:yfdf /x]/ k¥'ofpg' ePsf] of]ubfgsf] sb/ ub{} xflb{s wGojfb lbg rfxG5' . o; ljQLo ;+:yfnfO{ k|ToIf / k/f]If ;xof]u ug'{ x'g] ;Dk"0f{ a}+s tyf ljQLo ;+:yfx? k|lt klg xflb{s wGojfb k|s6 ub}{ cfufdL lbgx?df klg lg/Gt/ ;xof]u k|fKt x'g] ljZjf; lnPsf] 5' . ;+:yfsf] k|ultdf k|ToIf jf ck|ToIf ?kn] ;+nUg z]o/wgL, u|fxs ;b:ox?, ;fem]bf/ ;+:yfx?, z]o/ /lhi6«f/ PgPdlj Soflk6 ln=, d'Vo sDkgL PgPdla a}s ln=, g]kfn n3'ljQ a}++s;{ ;+3, ljleGg a}+s tyf ljQLo ;+:yfx?, ljleGg /]ld6\ofG; sDkgLx?, ljleGg ;~rf/ ;+:yfx? Pj+ cGo z'e]R5's ;+:yf tyf z]o/ xf]N8/ dxfg'efjx?af6 k|fKt ;xof]u, ;'´fj / dfu{ lgb]{zgsf nflu xflb{s wGoafb AoQm ug{ rfxfG5' . ;+:yfsf] ;'Joj:yfkg / pGglt÷k|ult k|lt O{dfGbf/ /lx cfk\mgf] lhDd]jf/L k'/f ug]{ o; ;+:yfsf nuglzn, st{Jolgi7 k|d'v sfo{sf/L clws[t nufPt ;Dk'0f{ sd{rf/Lx?k|lt ljz]if wGojfb 1fkg ub{} cfufld lbgdf ;d]t s'zn sfo{af6 ;+:yfsf] k|ultdf c´ al9 of]ubfg k'Ug] ck]Iff /fv]sf] 5' .

;~rfns ;ldltsf tkm{af6 ;+lha ;'Aaf -cWoIf_ldlt M @)&&.)#.@@


13

cg';"rL -!_

sDkgL P]g -klxnf] ;+zf]wg_, @)&$ sf] bkmf !)( sf] pkbkmf $ ;Fu ;DalGwt yk ljj/0f

!= z]o/ hkmt ePsf] eP hkmt ePsf] z]o/ ;+Vof, To:tf] z]o/sf] cl°t 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/ laqmL u/L sDkgLn] k|fKt u/]sf] /sd tyf hkmt ePsf] z]o/ jfkt /sd lkmtf{ u/]sf] eP ;f]sf] ljj/0f M

;:yfn] xfn;Dd s'g} Zf]o/ hkmt u/]sf] 5}g .@= ljut cfly{s jif{df sDkgL / o;sf] ;xfos sDkgLsf] sf/f]af/sf] k|ult / ;f] cfly{s jif{sf] cGtdf /x]sf] l:yltsf]

k'g/fjnf]sg M ljQLo ;+:yfn] u/]sf] k|ultsf af/]df o;} k|ltj]bgsf] ljleGg a'Fbfx¿df k|:t't ul/Psf] 5 . o; sDkgLsf] s'g} klg

;xfos sDkgL 5}g .#= sDkgL tyf To;sf] ;xfos sDkgLn] cfly{s jif{df ;DkGg u/]sf] k|d'v sf/f]af/x? / ;f] cjlwdf sDkgLsf] sf/f]af/df

cfPsf] s'g} dxTjk"0f{ kl/jt{g M ljQLo ;+:yfn] cfly{s jif{df ;DkGg u/]sf] k|d'v sf/f]af/x? / ;f] cjlwdf sDkgLsf] sf/f]af/df cfPsf] s'g} dxTjk"0f{

kl/jt{g d"n k|ltj]bgdf ;dfj]z ul/Psf] 5 . o; sDkgLsf] s'g} klg ;xfos sDkgL 5}g .$= ljut cfly{s jif{df sDkgLsf] cfwf/e"t z]o/wgLx?n] sDkgLnfO{ pknAw u/fPsf] hfgsf/L

ljQLo ;+:yfdf >L PgPdla a}+s lnld6]8 / >L pQd Enf]g cfwf/e"t z]o/wgL x'g'x'G5 . cfwf/e"t z]o/wgLx¿af6 ;~rfns ;ldlt, Joj:yfkg / sd{rf/LnfO{ dfu{bz{g Pj+ xf};nf ldn]sf] 5 .

%= ljut cfly{s jif{df sDkgLsf ;~rfns tyf kbflwsf/Lx?n] lnPsf] z]o/sf] :jfldTjsf] ljj/0f / sDkgLsf] z]o/ sf/f]af/df lghx? ;+nUg /x]sf] eP ;f] ;DaGwdf lghx?af6 sDkgLn] k|fKt u/]sf] hfgsf/L M

%=! ;~rfnsx?sf] z]o/ :jfldTj ljj/0f M

qm= ;+= gfd, kb z]o/ :jldTj

! >L pQd Enf]g, cWoIf @,)),$*@ lsQf z]o/

@ >L uf]laGb l3ld/], k|ltlglw–PgPdla a}+s ln= ;+:yfut *,@^,@#@ lsQf z]o/

# >L lbg]z b'nfn, k|ltlglw–PgPdla a}+s ln= qm=;+=@ jdf]lhdsf] lsQf z]o/

$ >L /f]d0fL k|;fb kf7s, k|ltlglw–PgPdla a}+s ln= qm=;+=@ jdf]lhdsf] lsQf z]o/

% >L /fduf]kfn k/fh'nL–;j{;fwf/0f z]o/wgL #^% lsQf z]o/

^ >L ldd axfb'/ xdfn–;j{;fwf/0f z]o/wgL $)# lsQf z]o/

& >L cRo't bQ kf08]–ljz]if1 ;~rfns – %=@ ljQLo ;+:yfaf6 ;j{;fwf/0fsf] z]o/ lgisfzg eP kZrft Joj:yfkg kbflwsf/L;Fu sd{rf/L z]o/sf] :jfldTj

/x]sf] 5 .^= ljut cfly{s jif{df sDkgL;Fu ;DalGwt ;Demf}tfx?df s'g} ;~rfns tyf lghsf] glhssf] gft]bf/sf] JolQmut :jfy{sf]

af/]df pknAw u/fOPsf] hfgsf/Lsf] Joxf]/f M ljQLo ;+:yf;Fu ;DalGwt ;Demf}tfx¿df s'g} ;~rfns tyf lghsf cfkmGtsf] JolQmut :jfy{ /x]sf] 5}g .

&= sDkgLn] cfˆgf] z]o/ cfkm}n] v/Lb u/]sf] eP To;/L cfˆgf] z]o/ v/Lb ug'{sf] sf/0f, To:tf] z]o/sf] ;+Vof / clÍt d"No tyf To;/L z]o/ v/Lb u/]jfkt sDkgLn] e'QmfgL u/]sf] /sd M o; cjlwdf sDkgLn] cfˆgf] z]o/ cfkm}n] v/Lb u/]sf] 5}g .

*= cfGtl/s lgoGq0f k|0ffnL eP jf gePsf] / ePsf] eP ;f]sf] lj:t[t ljj/0f M*=! gLlt tyf ljlgodfjnL M ljQLo ;+:yfn] Joj;fodf lglxt hf]lvdnfO{ Go"g ug{] tyf cfGtl/s lgoGq0f k|0ffnLnfO{

alnof] agfpg g]kfn /fi6« a}+sn] ;do ;dodf hf/L u/]sf gLlt tyf lgb]{zgsf] clwgdf /x]/ cfjZos gLlt,


14

lgod / ljlgodfjnL agfO{ nfu" ub{} cfPsf] 5 .*=@ n]vfk/LIf0f ;ldlt M ljQLo ;+:yfdf u}/ sfo{sf/L ;~rfnssf] dftxtdf Pp6f n]vfk/LIf0f ;ldlt u7g ul/Psf] 5 . o;

;ldltn] ljQLo ;+:yfsf] cfly{s cj:yfsf] ;dLIff, cfGtl/s lgoGq0f, n]vfk/LIf0f ;DaGwL sfo{qmd / n]vfk/LIf0fsf] kl/0ffd ;DaGwdf lj:t[t 5nkmn u/L ljQLo ;+:yfsf] Joj:yfkgnfO{ cfjZos lgb]{zg lbg] u/]sf] 5 . ljQLo ;+:yfsf cfGtl/s / jfx\o n]vfk/LIfsx¿n] ;f] ;ldltdf l;w} kx'Fr /fVf]sf 5g\ . lghx¿n] k]z ug]{ k|ltj]bg / o; ;ldltsf] k|ltj]bg pk/ ljQLo ;+:yfsf] ;~rfns ;ldltn] lj:t[t 5nkmn ug{] u/]sf] 5 . /fi6« a}+sn] tf]s] adf]lhd ;ldltsf] k|d'v pQ/bfloTj x'g] u/L ;ldltn] sfo{ ;+rfng ul//x]sf] 5 .

*=# hf]lvd Joj:yfkg ;ldlt M ljQLo ;+:yfdf u}/ sfo{sf/L ;~rfnssf] ;+of]hsTjdf Pp6f hf]lvd Joj:yfkg ;ldlt u7g ul/Psf] 5 . n]vfk/LIf0f ;ldltsf ;+of]hs hf]lvd Joj:yfkg ;ldltsf] kb]g ;b:o /x]sf] 5 . g]kfn /fi6« a}+sn] tf]s]adf]lhd o; ;ldltsf] sfd, st{Jo / clwsf/ x'g] u/L sfo{ ;+rfng ul//x]sf] 5 .

*=$ sd{rf/L Joj:yfkg / ;]jf ;'ljwf ;ldlt M ;~rfns ;ldltn] u}/ sfo{sf/L ;~rfnssf] ;+of]hsTjdf Pp6f sd{rf/L Joj:yfkg / ;]jf ;'ljwf ;ldlt u7g u/]sf] 5 . /fi6« a}+sn] tf]s]adf]lhd o; ;ldltsf] sfd st{Ao / clwsf/ x'g] u/L o; ;ldltn] sfo{ ;+rfng ul//x]sf] 5 .

*=% ;DkQL z'l4s/0f cg'udg ;ldlt M ;~rfns ;ldltn] u}/ sfo{sf/L ;~rfnssf] ;+of]hsTjdf ;DkQL z'l4s/0f cg'udg ;ldlt u7g u/]sf] 5 . /fi6« a}+sn] tf]s]adf]lhd o; ;ldltsf] sfd st{Ao / clwsf/ x'g] u/L o; ;ldltn] sfo{ ;+rfng ul//x]sf] 5 .

(= ljut cfly{s jif{sf] s'n Joj:yfkg vr{sf] ljj/0f M cfly{s jif{ @)&%÷&^ sf] Joj:yfkg vr{ ?=!(,%*,^*,(*@.– /x]sf] 5 h;dWo] sd{rf/L vr{ ?= !#^,@*^,@

().– / cGo ;~rfng vr{ ?=%(,%*@,^(@.– /x]sf] 5 . k|aGwsx? @ hgf ;xfos dxfk|aGws, ! hgf gfoj k|jGws / @ hgf ;xfos k|aGws nfO{ e'Qmfg ul/Psf] kfl/>lds,

eQf, af]g; tyf cGo ;'ljwfsf] /sd ?=@!,!%,))$.– /x]sf] 5 .!)= 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/afxLsf] ljj/0f / ;f] ;ldltn] s'g} ;'emfj lbPsf] eP ;f]sf] ljj/0f M ljQLo ;+:yfsf] cfly{s k|zf;g ljlgodfjnLsf] bkmf %^ -!_ cg';f/ ul7t n]vfk/LIf0f ;ldlt u}/sfo{sf/L ;+rfns

>L lbg]z b'nfnsf] ;+of]hsTjdf n]vfk/LIf0f ljefusf k|d'v ;b:o ;lrj /xg] u/L n]vfk/LIf0f ;ldltsf] u7g ul/Psf] 5 . n]vfk/LIf0f ;ldltdf sfo{ u/]jfkt ;~rfnsnfO{ ;~rfns ;ldltsf] a}7s eQmf j/fj/ eQf k|bfg ul/Psf] 5 eg] sd{rf/LnfO{ s'g} eQf k|bfg ul/Psf] 5}g t/ cfGtl/s n]vfk/LIf0f ug{ hfFbf n]vfk/LIfs nfO{ ljQLo ;+:yfsf] ljlgofdfjnL cg';f/sf] b}lgs e|d0f eQf k|bfg ul/Psf] 5 . q}dfl;s ?kdf a:g] o; ;ldltsf] a}7sdf cfGtl/s n]vfk/LIfssf] k|ltj]bg / cfufdL q}df;sf] sfo{ of]hgf to ug{] ul/Psf] 5 .

!!= ;~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 ;+u7Lt ;+:yfn] sDkgLnfO{ s'g} /sd a'emfpg afFsL eP ;f] s'/f M ;f] gePsf] .

!@= ;~rfns, k|aGw ;~rfns, sfo{sf/L k|d'v tyf kbflwsf/Lx?nfO{ e'QmfgL ul/Psf] kfl/>lds, eQf tyf ;'ljwfsf] /sdM cf=j= @)&%÷)&^ Dff a}7s g+= &% b]lv ** ;Dd u/L !$ j6f / cGo pk;ldltsf] a}7s ul/ ;~rfns ;ldltsf

kbflwsf/Lx?nfO{ a}7s eQf jfkt ?=#, *&, %)).– e'QmfgL ul/Psf] 5 . cf=j= @)&%÷)&^ sf] cjlwDff ldlt @)&% d+l;/ ;Dd k|d'v sfo{sf/L clws[t >L kmlgnfn rf}w/L

x'g'x'GYof] / pxfFnfO{ dfl;s ?kdf tna :s]n ?=!,%),))).– / eQf ?=%),))).– u/L dfl;s tnj eQf ?=@,)),))).– k|bfg ul/Psf] / bz+}eQf /sd ?=*(,*^#.–, ul/ pQm cjlwdf s'n tnj eQf hDdf ?= !),!$,))).– / cfjf; ;'ljwf cGtu{t ;+:yfn] 3/wgLnfO{ e'QmfgL u/]sf] 3/ef8f ?= &&,&&%.–, k|bfg ul/Psf] 5 eg] ldlt @)&%÷!!÷)! ut] b]lv k|d'v sfo{sf/L clws[t kbdf >L d'/nL k|;fb nD;fn /xg'ePsf] 5 / pxfFnfO{ pQm cjlwdf tna, eQf, cfjf; ;'ljwf, ;~rf/ ;'lawf / ;+rosf]; ;'ljwf u/L s'n ?= !@,)*,))).– k|bfg ul/Psf] 5 .


15

!#= z]o/wgLx?n] a'lemlng afFsL /x]sf] nfef+zsf] /sd M ;f] gePsf] .

!$= bkmf !$! adf]lhd ;DklQ vl/b jf laqmL u/]sf] s'/fsf] ljj/0f M sDkgL P]g, @)^# sf] bkmf !$! adf]lhd n]vfkl/If0f ePsf] kl5Nnf] jflif{s cfly{s ljj/0fdf pNn]v ePsf] cfˆgf]

;DklQsf] !% k|ltzt eGbf a9L x'g] ul/ s'g} klg ;DklQ vl/b gePsf] / kl5Nnf] lx;fa lstfadf pNn]v ePsf] s/ ltg'{ eGbf cuf8Lsf] d'gfkmfsf] !% k|ltzt eGbf a9L x'g] u/L s'g} ;DklQ laqmL u/L cfDbfgL u/]sf] 5}g .

!%= bkmf !&% adf]lhd ;Da4 sDkgLaLr ePsf] sf/f]af/sf] ljj/0f M of] ljQLo ;+:yf PgPdla a}+s lnld6]8sf] ;xfos sDkgL xf] h;sf] o;df s'n z]o/dWo] %! k|ltzt z]o/ :jfldTj

/x]sf] 5 . o; ljQLo ;+:yfsf] PgPdla a}+s / PgPdla Soflk6n -PgPdla a}+ssf] k"0f{ :jfldTj ePsf] sDkgL_ ;Fusf] ;DalGwt kIfaLrsf sf/f]af/ lgDgadf]lhd 5g\ .

qm=;= ljj/0f /sd -?=_

1 PgPdla a+}ssf] nufgL 82623187=5

2 PgPdla a+}saf6 lnPsf] ;fkl6 600,000,000

3 PgPdla a+}snfO{ u/]sf] Aofh e'QmfgL 65076693=26

4 PgPdla a+}sdf /x]sf df}Hbft 4254547=31

!^= o; P]g tyf k|rlnt sfg"gadf]lhd ;~rfns ;ldltsf] k|ltj]bgdf v'nfpg' kg]{ cGo s'g} s'/f M ;a} s'/f dfly k|ltj]bgdf v'nfO{Psf] 5 .

!&= cGo cfjZos s'/fx? M ;f] gePsf] .


16

PPggPPddllaa nn33''lljjQQ lljjQQLLoo ;;++::yyff llnnlldd66]]88ssff zz]]oo//wwggLL ddxxffgg''eeffjjxx?? ;;ddIIff ::jjttGGqq nn]]vvffkk//LLIIffssssff]] kk||llttjj]]bbgg xfdLn] PgPdla n3'ljQ ljQLo ;+:yf lnld6]8, kf]v/f @%, sf:sL sf] g]kfn ljQLo l/kf]{l6ª dfg (NFRS) cGt{ut

tof/ ul/g' kg]{, o;} ;fy ;+nUg cfiff9 #!, @)&^ sf] jf;nft, ;f]xL ldltdf ;dfKt ePsf] cfly{s jif{sf] gfkmf gf]S;fg lx;fj, gub k|jfx ljj/0f, O{SjL6Ldf ePsf] kl/jt{g ;DaGwL ljj/0f Pj+ k|d'v n]vf gLltx? tyf n]vf ;DaGwL l6Kk0fLx?sf] n]vfk/LIf0f ;DkGg u¥of}+ .

lljjQQLLoo lljjjj//00ffxx??kk||lltt JJoojj::yyffkkggssff]] llhhDDdd]]jjff//LL MM

g]kfn n]vfdfg cg'?k oyfy{ / plrt lrq0f ug]{ ljQLo ljj/0fx? tof/ Pj+ k|:t't ug]{ lhDd]jf/L Joj:yfkgdf /x]sf] 5 . oL lhDd]jf/L cGtu{t rfx] hfn;fhL jf uNtLaf6 xf];, ;f/e't lsl;dn] q'6L /lxt, ljQLo ljj/0f ;DaGwL cfGtl/s lgoGq0f k|0ffnLsf] th'{df, sfof{Gjog / ;~rfng ug]{ sfo{ n]vf gLltx?sf] 5gf}6 tyf nfu' ug]{ Pj+ kl/l:ylt cg';f/ n]vf ;DaGwL dxTjk'0f{ cg'dfg ug{ ' kb{5 . Joj:yfkgn] oL ljQLo ljj/0fx? g]kfn ljQLo l/kf]{l6ª dfg (NFRS) cGt{ut tof/ gu/L g]kfn /fi6« a}+sn] tf]s]sf] 9F“rf / tl/sf cg';f/ tof/ u/LPsf] 5 .

nn]]vvffkk//LLIIffssssff]] llhhDDdd]]jjff//LL MM

n]vfk/LIf0fsf] cfwf/df ljlQo ljj/0fx? pk/ /fo JoQm ug'{ xfd|f] bfloTj xf] . xfdLn] xfd|f] n]vfk/LIf0f g]kfn n]vfk/LIf0f dfg adf]lhd ;DkGg u/]sf 5f}+ . tL dfgn] xfdLnfO{ Joj;foLs g}ltstfsf] kfngf ug]{ tyf ljQLo ljj/0fx? ;f/e't ?kdf q'6L/lxt ePsf] af/]df dgfl;a cfZjf;g k|fKt ug{, n]vfkL/If0fsf] of]hgf agfpg / n]vfk/LIf0f ;DkGg ug{ clgjfo{ u/fp “5g .

n]vfk/LIf0f cGtu{t ljQLo ljj/0fdf pNNf]lvt /sd / v'nf;fnfO{ k'i6L ug]{ k|df0f k|fKt ug{ ;DkGg ul/g] sfo{ljlw ;+nUg x'G5 . o;/L 5gf}6 ul/Psf] sfo{lalw rfx] hfn;fhL jf uNtLaf6 xf];, ;f/e't ?kdf q'6Lo'Qm k|:t'tL x'g ;Sg] hf]lvdsf] n]vfhf]vf ;lxt xfDf|f] Joj;flos lg0f{odf cfwfl/t 5 . To;/L hf]lvdsf] n]vfhf]vf ug]{ qmddf, xfdLn] sDkgLsf] cfGt/Ls lg0f{o pk/ g} /fo JoQm ug]{ p2]Zon] ge}, kl/:yLlt cg';f/ xfd|f] n]vfk/LIf0f sfo{ljlw tof/ ubf{, sDkgLn] ljQLo ljj/0f tof/ Pj+ k|:t'tL ug]{ qmddf cjnDag u/]sf cfGt/Ls lgoGq0f k|0ffnLsf] ljZn]z0f u/]sf 5f}+ . n]vfk/LIf0fdf Joj:yfkgåf/f k|of]udf NofO{Psf n]vf l;4fGtx? Pj+ ul/Psf dxTjk'0f{ cg'dfgx?sf] pko'Qmtfx?sf] d"Nof+sg sf ;fy} ;du| ljQLo ljj/0f k|:t'tLsf] n]vfhf]vf ;d]t ;dfj]z x'G5 .

xfd|f] n]vfk/LIf0fn] xfd|f] /fonfO{ k|ofKt cfwf/ k|bfg ug]{ s'/fdf xfdL ljZj:t 5f}+ . Disclaimer //ffoossff]] ccffwwff//xx?? MM

n3'ljQ ljQLo ;+:yfsf nflu nfu' ePsf] ljQLo l/kf]{l6ªsf] 9f “rf k|rlnt n]vf ;DaGwL ;j{dfGo l;4fGtsf] cfwf/af6 g]kfn ljQLo l/kf]{l6ª dfg (NFRS) cGt{ut /xL tof/ ug'{kg]{ Joj:yf cfly{s jif{ @)&#÷)&$ af6 nfu' e};s]sf] 5 . kl/jlt{{t ljQLo l/kf]{l6ªsf] 9f “rf tof/ u/L nfu' ug{ (NFRS) cg';f/sf] ljQLo ljj/0fx? >fj0f !, @)&$ sf] ;'?jftdf tof/ x'g'k5{ / ;f]xL adf]lhd tLg jif{sf] ljlQo l:ytLsf] ljj/0f (Statement Of Financial Position), b'O{ jif{sf] lj:t[t cfo ljj/0f (Statement Of Comprehensive Income), b'O{ jif{sf] cfo ljj/0f -k|:t't ul/g] eP_, b'O{ jif{sf] gub k|jfxsf] ljj/0f, b'O{ jif{sf] OlSj6Ldf ePsf] kl/jt{g ;DaGwL ljj/0f (Statement Of Change In Equity) / ;f];+u ;DalGwt l6Kk0fLx? nufot t'ngfTds ;'rgfx? ;d]t tof/ x'g'kb{5 . o:tf] Joj:yf ePtfklg o; cfly{s aif{df klg ljQLo ljj/0fx? NFRS cg';f/ tof/ ul/Psf] 5}g . g]kfn ljQLo


17

l/kf]{l6ª dfg !! (NFRS-1) df cfwfl/t /xL gof “ n]vf ;DaGwL gLltx? tof/ u/L ljQLo ;'rgfx?sf] klxrfg, k'g{n]vg, k|:t'tLs/0f / v'nf;fx? lbg'kg]{ x'G5 .

o;/L g]kfn ljQLo l/kf]{l6ª dfg (NFRS) adf]lhd ljQLo ;'rgfsf] k'g{n]vg, k|:t'tLs/0f / v'nf;fx? gul/+bf logLx?sf] ljQLo ljj/0fdf kg]{ ;di7Lut k|efj clglZrt /x]sf] 5, h'g Material tyf Pervasive klg x'g ;S5 .

Disclaimer ssff]] //ffoo MM

dfly Disclaimer /fosf] cfwf/x?sf cg'R5]bx?df pNn]v eP adf]lhdsf] j:t' l:ytLsf] dxTjsf cfwf/df, klxnf] k6s g]kfn ljQLo l/kf]l6{ª dfg -NFRS_ k|of]udf Nofp+bf ljQLo ljj/0fsf] k'g{n]vg, k|:t'tLs/0f / v'nf;fx?df kg{ ;Sg] ;Di7Lut k|efjsf] nflu kof{Kt / pko'Qm ;a'b, k|df0fx? k|fKt ug{ ;lsPg . t;y{, o; sDkgLsf] ljQLo ljj/0fx? Gf]kfn ljQLo l/kf]l6{ª dfg (NFRS) sf] cfwf/df tof/ gul/Psf]n], ;f] pk/ /fo JoQm ul/Psf] 5}g .

ssDDkkggLL PP]]gg @@))^̂##,, aa}}++ss ttyyff lljjQQLLoo ;;++::yyff ;;DDaaGGwwLL PP]]gg,, @@))&&## ttyyff ccGGoo kk||rrllnntt PP]]ggnn]] ttff]]ss]]ssff]] ss''//ffxx??ssff]] kk||llttjj]]bbgg MM

^= cGo sfg'gL tyf lgodg lgsfosf cfjZostf ;DaGwL k|ltj]bg xxffddLLååff//ff ;;DDkkGGgg uull//PPssff]] kk//LLIIff00ffssff]] ccffwwff//ddff kk||llttjj]]bbgg kk]]zz uubb{{55ff}}++ llss MM s_ xfdLn] n]vfk/LIf0f ;DkGg ug{ cfjZos 7fg]sf ;'rgf Pj+ :ki6Ls/0fx? ;Dk'0f{ ?kdf kfPsf 5f}+ . v_ of] k|ltj]bg;“u ;DalGwt ;+nUg jf;nft, gfkmf gf]S;fg lx;fa, gub k|jfx ljj/0f, O{SjLl6df ePsf]

kl/jt{g / ;+nUg cg';'rLx? ljQLo ljj/0fx? g]kfn ljQLo l/kf]l6{ª dfg (NFRS) sf] cfwf/df tof/ gu/L g]kfn /fi6« a}+ssf] lgb]{zg cg';f/ tof/ u/LPsf] 5 ;f] sf] cnfjf ;fy} sDkgLn] /fv]sf] lx;fa lstfa, alx, vftf, >]:tf / n]vf;+u b'?:t /x]sf 5g\ .

u_ xfd|f] /fodf n3'ljQ ljQLo ;+:yfsf] lx;fa lstfa P]g adf]hLd l7s;+u /flvPsf] 5 . 3_ n3'ljQ ljQLo ;+:yf n] g]kfn /fi6« a}+ssf] lgb]{zg cg';f/ shf{df kfs]sf] Aofh cfDbfgLnfO{ gub

k|fKtLsf] cfwf/df n]vf+sg u/]sf] 5 . ª_ xfdLn] n3'ljQ ljQLo ;+:yfsf] >]itf n]vfk/LIf0fsf] ;dodf, n3'ljQ ljQLo ;+:yfsf] ;~rfns

;ldlt jf To;sf ;b:o jf s'g} k|ltlgwL jf s'g} kbflwsf/L jf s'g} sd{rf/Ln] k|rlnt sfg'g ljkl/t s'g} sfo{ u/]sf] jf n3'ljQ ljQLo ;+:yfsf] ;DklQ lxgfldgf u/]sf] jf n3'ljQ ljQLo ;+:yfsf] xfgL gf]S;fgL u/] u/fPsf] xfDf|f] hfgsf/Ldf cfPg .

r_ n3'ljQ ljQLo ;+:yfn] u/]sf] sfo{ cfkm\gf] sfo{If]q leq /x]sf] kfO{of] . 5 _ zfvfx?af6 k|fKt ljj/0fx? :jtGq n]vfk/LIf0f gul/Psf] ePtfklg n]vfk/LIf0fsf] lgldQ k|ofKt 5g\ h_ xfd|f] /fodf xfdLn] n]vfk/LIf0f ul/Psf >]itfx?sf] cfwf/df o; n3'ljQ ljQLo ;+:yfn] ;DkQLdf

;Defljt gf]S;fgLsf] nfuL kof{Kt Joj:yf u/]sf] 5 tyf g]kfn /fi6« a}+ssf] lgb]{zg adf]lhd kof{Kt k'+hLsf]if /fv]sf] 5 .

em_ n3'ljQ ljQLo ;+:yfn] o; cfly{s aif{df s'g} shf{ ckn]vg u/]sf] 5}g . `_ n3'ljQ ljQLo ;+:yfn] lgIf]kstf{ tyf nufgLstf{x?sf] lxt ;+/If0f lj?4 sfo{ u/]sf] b]lvPg .

6_ n3'ljQ ljQLo ;+:yfdf n]vf ;DaGwL s'g} hfn;fhL ePsf], n3'ljQ ljQLo ;+:yfsf] >]:tf / n]vfk/LIf0faf6 xfd|f] hfgsf/Ldf cfPg .

l;P= lgn axfb'/ ;f? du/, Pkm=l;=P= kf6{g/

Pg= la= P;= Pd=P08 P;f]l;o6\; rf6{8{ PsfpG6]G6\;

ldltM @)&^.)&.)* :yfgM sf7df08f}+, g]kfn


18

kk""FhhLL ttyyff bbffllooTTjj ccgg"";;''rrLL oo;; aaiiff{{ ??== uutt aaiiff{{ ??==1= z]o/ k" FhL 4=1 210,608,125 162,006,250 2= hu]*f tyf sf]ifx? 4=2 95,577,936 86,693,563 3= C)fkq tyf aG* 4=3 - - 4= ltg{ afFsL shf{ ;fk^ 4=4 1,960,240,209 1,682,081,898 5= lgIf]k bfloTj 4=5 1,082,721,395 696,528,653 6= k|:tfljt nfef+z 2,557,993 1,112,171 7= cfos/ bfloTj 2,671,717 242,787 8= cGo bfloTj 4=6 65,025,009 45,927,871 ss""nn kk"" FhhLL ttyyff bbffllooTTjj 33,,441199,,440022,,338855 22,,667744,,559933,,119922

;;DDkkllQQ ccgg"";;''rrLL oo;; aaiiff{{ ??== uutt aaiiff{{ ??==1= gub df}Hbft -l;Ssf ;d]t_ 130,155 16,451 2= g]kfn /fi^« a}+sdf /x]sf] df}Hbft 16,030,000 24,230,000 3= a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft 4=7 284,303,949 447,869,961 4= dfu tyf cNk ;'rgfdf k|fKt x"g] /sd - - 5= nufgL 4=8 2,000,000 2,000,000 6= shf{ ;fk^ 4=9 3,077,263,360 2,167,490,812 7= l:y/ ;DklQ 4=10 25,806,730 21,177,981 8= u}/ a}+lsé ;DklQ 4=11 - - 9= cGo ;DklQ 4=12 13,868,191 11,807,986 ss""nn ;;DDkkllQQ 33,,441199,,440022,,338855 22,,667744,,559933,,119922

;Defljt bfloTj cg";'rL 4=13;~rfnsx?sf] #f]if)ff cg";'rL 4=23k"FhLsf]if tflnsf cg";'rL 4=24hf]lvd efl/t ;DklQ ljj/)f tflnsf cg";'rL 4=24-s_k|d"v ;"rsf°x? cg";'rL 4=25k|d"v n]vf gLltx? cg";'rL 4=26n]vf ;DaGwL l^Kk)fLx? cg";'rL 4=27

4=1 b]lv 4=12 ;Ddsf cg";'rLx? Jff;nftsf cleGg cé x"g\ .

s[i)f k|;fb u}x|] d"/nL k|;fb nD;fnljQ tyf of]hgf k|d"v k|d"v sfo{sf/L clws[t

ldd axfb"/ xdfnk|ltlglwx?, PgPdla a}+s ln= ;~rfns

/f]d)fL k|;fb kf&s, ;~rfns /fduf]kfn k/fh"nL

;~rfns

uf]laGb l#ld/], ;~rfns

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lbg]z b"nfn, ;~rfns :jtGq ;~rfns llddlltt MM 22007766..0077..0088

rf6{8 Psfp06]06;\

:yfg M sf7df08f}+, g]kfn

l;=P= lgn axfb'/ ;f? du/, Pkm=l;=P=

kf6{g/

Pg=lj=P;=Pd=P08 P;f]l;P6\;

pQd Enf]gcWoIf

PPggPPddllaa nn££ffÚÚlljjQQ lljjQQLLoo ;;++::yyff llnn==kkff]]vv//ff 2255,, ssff::ssLL

jjff;;nnfftt22007766 ;;ffnn cc;;ff(( dd;;ffGGtt

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


19


ggffkkmmff ggff]]SS;;ffgg llxx;;ffaa 22007755 ;;ffnn >>ffjj))ff 11 uutt]]bb]]llvv 22007766 ;;ffnn cc;;ff(( dd;;ffGGtt;;DDdd

lljjjj//))ff ccgg"";;''rrLL oo;; aaiiff{{ ??== uutt aaiiff{{ ??==1= Jofh cfDbfgL 4=14 468,569,376 377,058,891 2= Jofh vr{ 4=15 261,092,922 211,444,355 vv""bb JJooffhh ccffDDbbffggLL 220077,,447766,,445544 116655,,661144,,553366 3= sldzg tyf cGo ;~rfng cfDbfgL 4=16 92,841,611 66,225,063 4= ;^xL #^a( cfDbfgL - - ss''nn ;;~~rrffnngg ccffDDbbffggLL 330000,,331188,,006666 223311,,883399,,559988 5= sd{rf/L vr{ 4=17 136,286,290 106,105,546 6= cGo ;~rfng vr{ 4=18 59,582,692 46,946,473 7= ;^xL #^a( gf]S;fg - - ;;DDeefflljjtt ggff]]SS;;ffggLL JJoojj::yyff ccll##ssff]] ;;~~rrffnngg dd""ggffkkmmff 110044,,444499,,008844 7788,,778877,,558800 8= ;Defljt gf]S;fgL Joj:yfx? 4=19 102,326,706 71,078,781 ;;~~rrffnngg dd""ggffkkmmff 22,,112222,,337788 77,,770088,,779988 9= u}/ ;~rfng cfDbfgL÷vr{ 4=20 938,877 486,423 10= ;Defljt gf]S;fgL Joj:yfaf^ lkmtf{ 4=21 92,544,258 43,475,339 llggoollddtt ssff//ff]]jjff//aaff^̂ eePPssff]] dd""ggffkkmmff 9955,,660055,,551144 5511,,667700,,556611 11= c;fdfGo sf/f]jf/x?af^ ePsf] cfDbfgL÷vr{ 4=22 - - ;;DDkk''))ff{{ ssff//ff]]jjff// ;;ddffjj]]zz kkll%%ssff]] vv""bb dd""ggffkkmmff 9955,,660055,,551144 5511,,667700,,556611 12= sd{rf/L af]g; Joj:yf 9,560,551 4,697,324 13= cfos/ Joj:yf 26,000,241 14,266,825 o; jif{sf] s/ Joj:yf 27,671,717 15,253,262 ljut jif{;Ddsf] s/ Aoj:yf (44,941) - o; jif{sf] :yug s/ -cfDbfgL_÷vr{ (1,626,535) (986,437)

vv""bb ggffkkmmff÷÷ggff]]SS;;ffgg 6600,,004444,,772211 3322,,770066,,441122

4=14 b]lv 4=22 ;Ddsf cg";'rLx? Gffkmf gf]S;fg lx;fjsf cleGg cé x"g\ .




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xfd|f] cfhsf] ldltdf ;+nUg k|ltj]bg cg';f/pQd Enf]gcWoIf


20

PPggPPddllaa nn££ffÚÚlljjQQ lljjQQLLoo ;;++::yyff llnn==kkff]]vv//ff 2255,, ssff::ssLLgguubb kk||jjffxx lljjjj//))ff

22007755 ;;ffnn >>ffjj))ff 11 uutt]]bb]]llvv 22007766 ;;ffnn cc;;ff(( dd;;ffGGtt;;DDddoo;; jjiiff{{ ??== uutt jjiiff{{ ??==

ss== ssff//ff]]jjff// ;;~~rrffnnggaaff^̂ gguubb kk||jjffxx ((443377,,229900,,885566)) ((3388,,995555,,008877)) 11== gguubb kk||ffllKKtt 556622,,334499,,886655 444433,,777700,,337777 1=1 Aofh cfDbfgL 468,569,376 377,058,891 1=2 ckn]lvt shf{sf] c;"nL - - 1=3 sldzg tyf cGo cfDbfgL 93,780,489 66,711,486 22== gguubb ee""QQmmffggLL 447722,,006611,,551122 337766,,447711,,225544 2=1 Jofh vr{ 261,092,922 211,444,355 2=2 sd{rf/L vr{ 135,177,518 108,932,533 2=3 sfof{no ;~rfng vr{ 52,219,762 41,682,691 2=4 cfos/ e"QmfgL 23,571,311 14,411,675 2=5 cGo vr{ - -

ssffoo{{uutt kk''++hhLL uullttlljjllww ccll##ssff]] gguubb kk||jjffxx 9900,,228888,,335522 6677,,229999,,112233 ;;~~rrffnngg ;;DDjjGGwwLL rrffnn'' ;;DDkkllQQddff ssddLL÷÷--jj[[ll¢¢__ ((992222,,119999,,776666)) ((440022,,334455,,446666))

1= dfu tyf cNk ;"rgfdf k|fKt x"g] /sddf sdL÷-j[l¢_ - - 2= cGo cNksfnLg nufgLdf sdL÷-j[l¢_ - - 3= shf{df sdL÷-j[l¢_ (919,554,995) (397,957,187) 4= cGo ;DklQdf sdL÷-j[l¢_ (2,644,771) (4,388,279)

;;~~rrffnngg ;;DDjjllGGww rrffnn'' bbffllooTTjjddff --ssddLL__÷÷jj[[ll¢¢ 339944,,662200,,555588 229966,,009911,,225566 1= lgIf]k bfloTjdf -sdL_÷j[l¢ 386,192,742 292,356,668 2= cNksfnLg ;fk^Ldf -sdL_÷j[l¢ - - 3= cGo bfloTjdf -sdL_÷j[l¢ 8,427,816 3,734,588 ssff//ff]]aaff// ;;++rrffnnggaaff^̂ eePPssff]] ss''nn gguubb kk||jjffxx ((443377,,229900,,885566)) ((3388,,995555,,008877))

vv== nnuuffggLL ssff//ff]]jjff//ddff gguubb kk||jjffxx ((1111,,440077,,559933)) ((1144,,331155,,443377)) 1= bL#{sfnLg nufgLdf sdL÷-j[l¢_ - - 2= :yL/ ;DklQdf sdL÷-j[l¢_ (11,407,593) (14,315,437) 3= bL#{sflng nufgLdf Jofh cfDbfgL - - 4= nfef+z cfDbfgL - - 5= cGo - - uu== lljjQQLLoo >>ff]]tt ssff//ff]]jjff//aaff^̂ gguubb kk||jjffxx 227777,,004466,,114400 119955,,001155,,995522 1= bL#{sfnLg C)f -j)*, l*j]Gr/ cflb_ df j[l¢÷-sdL_ 290,158,311 184,498,847 2= z]o/ k" FhLdf j[l¢÷-sdL_ - - 3= z]o/ lk|ldoddf j[l¢÷-sdL_ - - 4= g]kfn /fi «̂ a}+saf^ k||fKt ;x"lnot÷k"g/shf{df j[l¢÷-sdL_ (12,000,000) 12,000,000 5= nfef+z e"QmfgL (1,112,171) (1,482,895) ##== gub tyf a}+s df}Hbftsf] ljlgdo b/df ePsf] km/saf6 cfDbfgL÷vr{ - - ªª== o; jif{sf] ;Dk'0f{ ultljlwaf6 gub k|jfx (171,652,308) 141,745,428 rr== gub tyf a}+sdf /x]sf] z"? df}Hbft 472,116,412 330,370,984 %%== gub tyf a}+sdf /x]sf] clGtd df}Hbft 330000,,446644,,110044 447722,,111166,,441122

d"/nL k|;fb nD;fnk|d"v sfo{sf/L clws[t



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21


ggffkkmmff ggff]]SS;;ffgg aaff++**kkmmFF++** llxx;;ffaa22007755 ;;ffnn >>ffjj))ff 11 uutt]]bb]]llvv 22007766 ;;ffnn cc;;ff(( dd;;ffGGtt;;DDdd

lljjjj//))ff ccgg"";;''rrLL oo;; aaiiff{{ ??== uutt aaiiff{{ ??==ccffDDbbffggLL1= ut jif{;Ddsf] ;l~rt d"gfkmf 56,411,937 43,370,181 2= o; jif{sf] d"gfkmf 60,044,721 32,706,412 3= ;^xL #^a( sf]if - - 4= z]o/ lk|ldodaf^ ;fl/Psf] - 10,760,613

hhDDddff 111166,,445566,,665588 8866,,883377,,220055 vvrr{{1= ut jif{;Ddsf] ;l~rt gf]S;fg - - 2= o; jif{sf] gf]S;fg - - 3= ;fwf/)f hu]*f sf]if 12,008,944 6,541,282.00 4= e}k/L cfpg] hu]*f - - 5= ;+:yf ljsf; sf]if - - 6= nfef+z ;dLs/)f sf]if - - 7= sd{rf/L ;DaGwL hu]*fx? - - 8= k|:tfljt nfef+z 2,557,993 1,112,171.05 9= k|:tfljt af]g; z]o/ 48,601,875 21,131,250.00 10= ljz]if hu]*f sf]if - - 11= ;^xL #^j( sf]if - - 12= k" FhL lkmtf{ hu]*f sf]if - - 13= k" FhL ;dfof]hg sf]if - - 14= :yug s/ hu]*F sf]if 1,626,535 986,437.00 15= u|fxs ;+/If)f sf]if 5,290,102 327,064.00 16= ;+:yfut ;fdflhs pQ/bfloTj sf]if 600,447 327,064.00

7700,,668855,,889966 3300,,442255,,226688 4455,,777700,,776622 5566,,441111,,993377




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lbg]z b"nfn, ;~rfns :jtGq ;~rfns llddlltt MM 22007766..0077..0088

kf6{g/


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hhDDddff;;ll~~rrtt dd""ggffkkmmff÷÷--ggff]]SS;;ffgg__



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- -

2=======k|ltzt j)*÷C)fkq k|lt j)*÷C)fkq ===== ? n] ========= ldlt ============ df hf/L ePsf] / ldlt ====== df r"Stf x"g] -xfn ;Ddsf] Redemption Reserve /sd ?= ======_

- -

3================= - - hhDDddff --11®®22®®33__ -- --

llttgg{{ jjff++ssLL sshhff{{ --;;ffkk^̂LL__22007766 ;;ffnn cc;;ff(( dd;;ffGGtt


ss== ::jjbb]]zzLL 1= g]kfn ;/sf/ - - 2= g]kfn /fi^« a}+s - - 3= l/kf] bfloTj - - 4= a}+s tyf ljQLo ;+:yf 1,960,240,209 1,682,081,898 5= cGo ;+ul&t ;+:yfx? - - 6= cGo - -

hhDDddff 11,,996600,,224400,,220099 11,,668822,,008811,,889988 vv== lljjbb]]zzLL 1= a}+sx? - - 2= cGo - -

hhDDddff -- -- hhDDddff --ss®®vv__ 11,,996600,,224400,,220099 11,,668822,,008811,,889988


25

PPggPPddllaa nn££ffÚÚlljjQQ lljjQQLLoo ;;++::yyff llnn==kkff]]vv//ff 2255,, ssff::ssLLllggIIff]]kk llxx;;ffaa

22007766 ;;ffnn cc;;ff(( dd;;ffGGttcg";'rL 4=5

lljjjj//))ff oo;; jjiiff{{ ??== uutt jjiiff{{ ??==11== AAooffhh llttgg""{{ ggkkgg]]{{ vvffttffxx??1=1 ljQLo ;+:yfx? - - 1=2 cGo ;+ul&t ;+:yfx? - - 1=3 JolQmut - -

AAooffhh llttgg""{{ ggkkgg]]{{ vvffttffxx??ssff]] hhDDddff -- -- 22== AAooffhh llttgg""{{ kkgg]]{{ vvffttffxx??ss== aarrtt llxx;;ffjj 11,,008822,,772211,,339955 669966,,552288,,665533 1=1 ;+# ;+:yfx? - - 1=2 JolQmut 1,082,721,395 696,528,653 1=3 cGo - - vv== dd""@@ttLL llxx;;ffjj -- -- 1=1 ;+# ;+:yfx? - - 1=2 JolQmut - - 1=3 cGo - -

AAooffhh llttgg""{{ kkgg]]{{ vvffttffxx??ssff]] hhDDddff 11,,008822,,772211,,339955 669966,,552288,,665533 --11®®22__ hhDDddff llggIIff]]kk 11,,008822,,772211,,339955 669966,,552288,,665533

ccGGoo bbffllooTTjj22007766 ;;ffnn cc;;ff(( dd;;ffGGtt


1= k]G;g÷pkbfg sf]if 5,607,524 3,724,736 2= labf afktsf] Joj:yf 8,147,046 4,529,974 3= sd{rf/L ;~ro sf]if 768 9,540 4= sd{rf/L sNof)f sf]if 43,223 43,223 5= sd{rf/L jf]g; Joj:yf 10,200,033 5,030,569 6= lgIf]kdf e"QmfgL lbg afFsL Aofh - 0 7= ;fk^Ldf e"QmfgL lbg afFsL Aofh 24,186 - 8= ;)*«L qm]l*^;{ 5,142,215 771,074 9= zfvf ldnfg lx;fa - - 10= :yug s/ bfloTj - - 11= e"QmfgL lbg kg]{ lanx? - - 12= e"QmfgL lbg afFsL nfef+z - - 13= cGo - s= >f]tdf s/ s \̂^L /sd 1,247,211 740,900 v= shf{ ;"/If)f sf]if - 16,475,847 u= ;fdflhs ;"/If)f sf]if - 11,004,188 #= n]vfkl/If)f z"Ns afktsf] Joj:yf 139,375 139,375 ª= cGo vr{ afktsf] Joj:yf 88,555 73,556 r= ;Ifd kl/of]hgfaf^ k|fKt cg"bfg 89,091 1,974,987 %= ;Ifd kl/of]hgfaf^ :yug cfDbfgL 2,144,116 950,194 r= sd{rf/L bIftf clej[$L sf]if - 111,035 %= u|fxs ;+/If)f sf]if 31,871,734 - h= cGo 279,932 348,672 hhDDddff 6655,,002255,,000099 4455,,992277,,887711


hhuu]]**ff ttyyff ssff]]iiffxx??22007766 ;;ffnn cc;;ff(( dd;;ffGGtt

ccgg"";;''rrLL 44==22lljjjj//))ff oo;; aaiiff{{ ??== uutt aaiiff{{ ??==

1= ;fwf/)f÷a}wflgs hu]*f sf]if 3355,,881133,,335599 2233,,880044,,441155 2= k" FhLut hu]*f sf]if - -

3= k" FhL lkmtf{ hu]*f sf]if (Capital Redemption Reserve) - -

4= k" FhL ;dfof]hg sf]if - - 5= cGo hu]*f tyf sf]if 1133,,999933,,881155 66,,447777,,221111 5=1= e}k/L cfpg] hu]*f - - 5=2= ;+:yf ljsf; sf]if - - 5=3= nfef+z ;lds/)f sf]if - - 5=4= ljz]if hu]*f sf]if - - «««« 5=5= ;DklQ k"gd'{Nof°g sf]if - - 5=6 u|fxs ;+/If)f sf]if 8,875,623 3,585,521 5=7= cGo :jtGq sf]if - - 5=8= cGo hu]*f sf]if s= :yug s/ hu]*f 3,737,132 2,110,597 v= z]o/ lk|ldod - - u= ;+:yfut ;fdflhs pQ/bfloTj sf]if 1,381,060 781,093 #= sd{rf/L ;DaGwL sf]if6= ;l~rt gfkmf÷gf]S;fg 4455,,777700,,776622 5566,,441111,,993377 7= ;^xL #^a( sf]if - -

hhDDddff 9955,,557777,,993366 8866,,669933,,556633

CC))ffkkqq ttyyff jj))**22007766 ;;ffnn cc;;ff(( dd;;ffGGtt


1=======k|ltzt j)*÷C)fkq k|lt j)*÷C)fkq ===== ? n] ======= ldlt ============ df hf/L ePsf] / ldlt ====== df r"Stf x"g] -xfn ;Ddsf] Redemption Reserve /sd ?= ======_

- -

2=======k|ltzt j)*÷C)fkq k|lt j)*÷C)fkq ===== ? n] ========= ldlt ============ df hf/L ePsf] / ldlt ====== df r"Stf x"g] -xfn ;Ddsf] Redemption Reserve /sd ?= ======_

- -

3================= - - hhDDddff --11®®22®®33__ -- --

llttgg{{ jjff++ssLL sshhff{{ --;;ffkk^̂LL__22007766 ;;ffnn cc;;ff(( dd;;ffGGtt


ss== ::jjbb]]zzLL 1= g]kfn ;/sf/ - - 2= g]kfn /fi^« a}+s - - 3= l/kf] bfloTj - - 4= a}+s tyf ljQLo ;+:yf 1,960,240,209 1,682,081,898 5= cGo ;+ul&t ;+:yfx? - - 6= cGo - -

hhDDddff 11,,996600,,224400,,220099 11,,668822,,008811,,889988 vv== lljjbb]]zzLL 1= a}+sx? - - 2= cGo - -

hhDDddff -- -- hhDDddff --ss®®vv__ 11,,996600,,224400,,220099 11,,668822,,008811,,889988


26


aa}}++ss÷÷lljjQQLLoo ;;++::yyffddff //xx]]ssff]] ddff}}HHbbfftt22007766 ;;ffnn cc;;ff(( dd;;ffGGtt

ccgg"";;''rrLL 44==77

eeff== ??== kkll//jjTToo{{ lljj==dd""== hhDDddff1= :jb]zL Ohfhtkqk|fKt ;+:yfx? s= rNtL vftf 284,303,949 - - - 284,303,949 447,869,961 v= cGo vftf - - - - - -

hhDDddff 228844,,330033,,994499 -- 228844,,330033,,994499 444477,,886699,,996611

nnuuffggLL

ccgg"";;''rrLL 44==88

JJooffkkffll//ss ccGGoo 1= g]kfn ;/sf/sf] ^«]h/L ljn - - - - 2= g]kfn ;/sf/sf] art kq - - - - 3= g]kfn ;/sf/sf] cGo C)fkq - - - - 4= g]kfn /fi^« a}+s C)fkq - - - - 5= ljb]zL C)fkq - - - - 6= :jb]zL Ohfhtkqk|fKt ;+:yf - - - - 7= ljb]zL a}+s - - - - 8= ;+ul&t ;+:yfx?sf] z]o/ - 2,000,000 2,000,000 2,000,000 9= ;+ul&t ;+:yfx?sf] l*j]Gr/ tyf aG* - - - - 10= cGo nufgL - - - -

ss""nn nnuuffggLL -- 22,,000000,,000000 22,,000000,,000000 22,,000000,,000000 JJoojj::yyff -- -- -- --

vv""bb nnuuffggLL -- 22,,000000,,000000 22,,000000,,000000 22,,000000,,000000

zz]]oo//,, ll**jj]]GGrr// ttyyff jj))**ddff nnuuffggLLccgg"";;''rrLL 44==88--ss__

kk//nn aahhff// JJoojj::yyff oo;; uuttddff]]nn dd""NNoo //ssdd ??== jjiiff{{ ??== jjiiff{{ ??==

11== zz]]oo// nnuuffggLL 22,,000000,,000000 22,,000000,,000000 -- 22,,000000,,000000 22,,000000,,000000 1=1 g]kfn lkmg;km\^ sDkgL lnld^]* 2,000,000 2,000,000 - 2,000,000 2,000,000 -20000 ;+:yfks z]o/, k|lt z]o/ ?= 100 n] r"Qmf_1=2 ============================= - - - - - 1=3 ============================= - - - - - 22== ll**jj]]GGrr// ttyyff jj))** nnuuffggLL -- -- -- -- -- 2=1 ============================= - - - - - 2=2 ============================= - - - - - 2=3 ============================= - - - - -

ss""nn nnuuffggLL 2,000,000 2,000,000 - 2,000,000 2,000,000 33== hhff]]llvvdd ;;DDjjGGwwLL JJoojj::yyff 3=1 ut aif{ ;Ddsf] Joj:yf - - - - - 3=2 o; aif{sf] yk÷#^ - - - - -

ss""nn JJoojj::yyff -- -- -- -- -- vv""bb nnuuffggLL 22,,000000,,000000 22,,000000,,000000 -- 22,,000000,,000000 22,,000000,,000000

lljjjj//))ff

oo;; jjiiff{{ ??== uutt aaiiff{{ ??==lljjbb]]zzLL dd""bb||ff ??== DDffff

lljjjj//))ff ::jjbb]]zzLL dd""bb||ff

22007766 ;;ffnn cc;;ff(( dd;;ffGGtt

kk||ooff]]hhgg lljjjj//))ff oo;; jjiiff{{ ??== uutt jjiiff{{ ??==


27


kkff]]vv//ff 2255,, ssff::ssLL

sshhff{{ ;;ffkk^̂ jjuuLL{{ss//))ff // ;;ff]]ssff]] nnfflluu JJoojj::yyff


ccgg"";;''rrLL 44==99

lljjllddtt

cclljjllddtt

11== ;;llqqmmoo sshhff{{ ;;ffkk^̂

22,,0033

44,,99

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2,03

3,96

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1,01

1,73

9

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8,3

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2 2== llgglliiqqmmoo sshhff{{ ;;ffkk^̂

11,,44

1100,,99

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2=1 sd;n

602,

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9,51

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2=2 z+sf:kb

-

15

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29,8

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2=3 v/fj

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1,98

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33== ss""nn sshhff{{ ;;ffkk^̂ --11

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22,,0033

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44== sshhff{{ ggff]]SS;;ffggLL JJoojj::yyff

55,,3333

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1188

6677

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5577

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4=1 c;n

5,08

4,9

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10,3

78,9

51.1

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15,4

63,8

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4=2 z'Id lgu/fgL

12,6

46.

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4,6

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377,

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37,6

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4=4 v/fa

202,

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2,18

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4=5 cltl/Qm

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4=6 t]>f] kIfsf] lwtf]df k|jfx ePsf] shf{sf] nflu yk

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--

5577,,22

3311,,66

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5577

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2299,,66

2288,,11

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5=1 c;n

-

21

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21

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18,0

89,

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2,

378,0

79

2,

378,0

79

1,29

7,76

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5=3 z+sf:kb

-

14

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14

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2,4

25,7

16

5=4 v/fa

-

18

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7,99

1

18,2

47,

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7,815

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5=5 cltl/Qm

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-

-

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5=6 t]>f] kIfsf] lwtf]df k|jfx ePsf] shf{sf] nflu yk

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9922,,55

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55,,3333

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55,,3333

77,,2244

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22,,0033

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sshhff{{ ;;ffkk^̂ lljjjj//))ff

oo;; aaiiff{{ ??==

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lljjjj//))ff


28



LL::yyLL// ;;DDkkllQQ


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kkll//jjxxgg ;;ffwwgg

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11== kk//nn ddff]]nn

s= ut jif{sf] df}Hbft

-

8,77

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23,7

46,

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1,18

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1,34

6,70

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v= o; jif{ yk

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10,330

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u= o; jif{ k'gd"{Nof+sg÷k'g{n]vg

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(10,

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(6,6

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-

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(14

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)

(8,5

25)

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(23,24

8)

ss""nn --ss

+ vv

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+ ªª__ kk//nn ddff]]nn

--

88,,77

7733,,22

3300

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3344,,00

5511,,44

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55,,5500

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771166

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22== XXff;;

ss§§LL

s= ut jif{ ;Ddsf]

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2,32

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10,2

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v= o; jif{sf]

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1,29

0,33

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5,00

9,91

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138,

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316,

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6,75

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u= Xf;s§L k'gd"{Nof+sg÷k"g{n]vg

-

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33,,

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1155,,22

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55,,1166

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+ 44

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55,,1166

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lljjjj//))ff

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ccgg"";;''rr

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29

PPggPPddllaa nn££ffÚÚlljjQQ lljjQQLLoo ;;++::yyff llnn==kkff]]vv//ff 2255,, ssff::ssLLuu}}// aa}}++llss¬¬éé ;;DDkkllQQ

22007766 ;;ffnn cc;;ff(( dd;;ffGGttccgg"";;''rrLL 44==1111

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ss""nn hhDDddff -- -- -- --

ccGGoo ;;DDkkllQQ22007766 ;;ffnn cc;;ff(( dd;;ffGGtt

ccgg"";;''rrLL 44==1122oo;; jjiiff{{ ??== uutt jjiiff{{ ??==

1= d;nGb df}Hbft 946,671 964,944 2= nufgLdf c;"n ug{ af FsL cfDbfgL - -

3= shf{df c;"n ug{ af FsL Aofh 42,579,530 Go'g Jofh d"NtjL /sd 42,579,530 - - 4= c;"n ug{ afFsL sldzg - - 5= ;)*«L *]^;{ 1,966,899 1,167,436 6= sd{rf/L ;fk^L / k]ZsL 6,340,562 5,722,944 7= clu|d e"QmfgL - 37,745 8= dfu{:y gub - 82,955 9= dfu{:y cGo -r]s ;d]t_ - - 10= ljgf ;"rgf *«fkm\^sf] e"QmfgL - - 11= ckn]vg x"g af FsL vr{ - 584,566 12= zfvf ldnfg lx;fj 5,000 19,449 13= :yug s/ ;DklQ 3,737,132 2,110,597 14= cGo s= w/f}^L 91,989 68,450 v= clu|d s/ - - u= cGo 779,939 1,048,900

1133,,886688,,119911 1111,,880077,,998866

ccGGoo ;;DDkkllQQ --yykk lljjjj//))ff__22007766 ;;ffnn cc;;ff(( dd;;ffGGtt

ccgg"";;''rrLL 44==1122--ss__oo;; jjiiff{{ ??== uutt jjiiff{{ ??==

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lljjjj//))ff

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s= ut jif{sf] df}Hbft

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3344,,00

5511,,44

9933

11,,6666

55,,5500

22

11,,

994422,,

771166

4466,,

443322

,,9944

22

22== XXff;;

ss§§LL

s= ut jif{ ;Ddsf]

-

2,32

1,57

1

-

10,2

29,9

55

54

4,2

04

77

4,8

85

13,8

70,6

15

v= o; jif{sf]

-

1,29

0,33

2

-

5,00

9,91

2

138,

618

316,

735

6,75

5,59

7

u= Xf;s§L k'gd"{Nof+sg÷k"g{n]vg

-

-

-

-

-

-

-

#= Xf;s§L /sd ;dfof]hg÷lkmtf{

-

-

-

-

-

-

-

ss""nn XXff;;ss

§§LL--

33,,

661111,,

990033

--

1155,,22

3399,,88

6666

668822,,

882222

11,,

009911,,

662200

2200,,66

2266,,22

1111

33== aa""ss

EEooffnn""

(WD

V*) --11

-22__

--

55,,1166

11,,3322

77

--

1188

,,881111

,,662277

9988

22,,6688

00

885511

,,009966

2255

,,880066

,,773300

4= hUuf

-

-

-

-

-

-

-

5= k"+hLut lgdf{)f -k+"hLs/)f ul/g" kg]{_

-

-

-

-

-

-

-

hhDDddff --33

+ 44

+ 55

+ 66__

--

55,,1166

11,,3322

77

--

1188

,,881111

,,662277

9988

22,,6688

00

885511

,,009966

2255

,,880066

,,773300

lljjjj//))ff

;;DDkkllQQ

oo;; jjiiff{{ ??==


30


ssllddzzgg ttyyff ccGGoo ;;~~rrffnngg ccffDDbbffggLL22007755 ;;ffnn >>ffjj))ff 11 uutt]]bb]]llvv 22007766 ;;ffnn cc;;ff(( dd;;ffGGtt;;DDdd


1= ;]jf z'Ns 82,487,862 55,167,543 2= gjLs/)f z'Ns - - 3= O=k|f= sldzg jfkt 460,909 604,415 4= a§f cfDbfgL - - 5= cGo s= ;Ifd kl/of]hgfaf^ ePsf] cfDbfgL 3,087,144 4,492,225 v= pGglt kl/of]hgfaf^ ePsf] cfDbfgL - 2,086,998 u= cGo 6,805,696 3,873,882 hhDDddff 9922,,884411,,661111 6666,,222255,,006633

ssdd{{rrff//LL vvrr{{22007755 ;;ffnn >>ffjj))ff 11 uutt]]bb]]llvv 22007766 ;;ffnn cc;;ff(( dd;;ffGGtt;;DDdd


1= tnj 56,789,799 43,220,683 2= eQf 63,100,020 51,469,913 3= ;~rosf]ifdf yk 4,542,307 3,269,861 4= tflnd vr{ 4,132,772 2,111,838 5= kf]zfs - - 6= cf}ifwf]krf/ - - 7= jLdf 974,196 971,240 8= ljbf jfktsf] Joj:yf 4,746,039 1,565,236 9= k]G;g tyf pkbfg Joj:yf 1,997,730 3,389,806 10= cGo 3,427 106,969 hhDDddff 113366,,228866,,229900 110066,,110055,,554466

lljjjj//))ff

lljjjj//))ff

PPggPPddllaa nn££ffÚÚlljjQQ lljjQQLLoo ;;++::yyff llnn==kkff]]vv//ff 2255,, ssff::ssLL;;DDeefflljjtt bbffllooTTjjxx??22007766 ;;ffnn cc;;ff(( dd;;ffGGtt

ccgg"";;''rrLL 44==1133lljjjj//))ff oo;; jjiiff{{ ??== uutt jjiiff{{ ??==1= hdfgt - - 2= ckl/jTo{ shf{ k|ltj$tf (Irrevocable Loan Commitment) - - 3= cfos/ jfkt ;Defljt bfloTj (Contingent Liabilities on Income Tax) - - 4= Acceptance ;lxt cGo ;a} k|sf/sf ;Defljt bfloTjx? - - 5= r"Qmf e"Qmfg x"g af FsL z]o/ nufgL - - 6= e"QmfgLsf] nflu bfaL k/]sf] hdfgt - - 7= ;+:yf pk/ bfaL k/]sf] t/ ;+:yfn] bfloTj l:jsf/ gu/]sf] bfloTjx? - - hhDDddff -- --

AAooffhh ccffDDbbffggLL22007755 ;;ffnn >>ffjj))ff 11 uutt]]bb]]llvv 22007766 ;;ffnn cc;;ff(( dd;;ffGGtt;;DDdd

ccgg"";;''rrLL 44==1144lljjjj//))ff oo;; jjiiff{{ ??== uutt jjiiff{{ ??==ss== sshhff{{ ;;ffkk^̂ 443388,,993388,,337733 334488,,772244,,777788 vv== nnuuffggLLddff -- -- 1= g]kfn ;/sf/sf] ;"/If)fkq - - 2= g]kfn /fi «̂ a}+ssf] C)fkq - - 3= l*j]Gr/ tyf a)* - - 4+= cGt/ a}+s nufgLdf Aofh - - uu== PPhh]]GG;;LL ddff}}HHbbffttddff 2299,,663311,,000033 2288,,332266,,661199 ##== ddffuu ttyyff ccNNkk ;;''rrggffddff kk||ffKKtt xx""gg]]]] ddff}}HHbbffttddff -- -- ªª== ccGGooddff -- 77,,449933 hhDDddff 446688,,556699,,337766 337777,,005588,,889911

JJooffhh vvrr{{22007755 ;;ffnn >>ffjj))ff 11 uutt]]bb]]llvv 22007766 ;;ffnn cc;;ff(( dd;;ffGGtt;;DDdd

ccgg"";;''rrLL 44==1155lljjjj//))ff oo;; jjiiff{{ ??== uutt jjiiff{{ ??==ss== llggIIff]]kk bbffllooTTjjddff 7733,,441144,,884411 4444,,447711,,448899 1= ;b:ox?sf] artdf 73,414,841 44,471,489 2= ;j{;fwf/)fsf] lgIf]kdf - - vv== sshhff{{ ;;ffkk^̂ddff 118877,,667788,,008800 116666,,997722,,886666 1= C)fkq tyf a)* - - 2= g]kfn /fi «̂ a}+saf^ k|fKt shf{ - - 3= cGt/ a}s÷ljQLo ;+:yf shf{ 187,678,080 166,972,866 4= cGo ;+ul&t ;+:yf - - 5= cGo shf{ - - uu== ccGGooddff -- -- 1= ============== - - 2= =============== - - hhDDddff 226611,,009922,,992222 221111,,444444,,335555


31


ssllddzzgg ttyyff ccGGoo ;;~~rrffnngg ccffDDbbffggLL22007755 ;;ffnn >>ffjj))ff 11 uutt]]bb]]llvv 22007766 ;;ffnn cc;;ff(( dd;;ffGGtt;;DDdd


1= ;]jf z'Ns 82,487,862 55,167,543 2= gjLs/)f z'Ns - - 3= O=k|f= sldzg jfkt 460,909 604,415 4= a§f cfDbfgL - - 5= cGo s= ;Ifd kl/of]hgfaf^ ePsf] cfDbfgL 3,087,144 4,492,225 v= pGglt kl/of]hgfaf^ ePsf] cfDbfgL - 2,086,998 u= cGo 6,805,696 3,873,882 hhDDddff 9922,,884411,,661111 6666,,222255,,006633

ssdd{{rrff//LL vvrr{{22007755 ;;ffnn >>ffjj))ff 11 uutt]]bb]]llvv 22007766 ;;ffnn cc;;ff(( dd;;ffGGtt;;DDdd


1= tnj 56,789,799 43,220,683 2= eQf 63,100,020 51,469,913 3= ;~rosf]ifdf yk 4,542,307 3,269,861 4= tflnd vr{ 4,132,772 2,111,838 5= kf]zfs - - 6= cf}ifwf]krf/ - - 7= jLdf 974,196 971,240 8= ljbf jfktsf] Joj:yf 4,746,039 1,565,236 9= k]G;g tyf pkbfg Joj:yf 1,997,730 3,389,806 10= cGo 3,427 106,969 hhDDddff 113366,,228866,,229900 110066,,110055,,554466

lljjjj//))ff

lljjjj//))ff


32


ccGGoo ;;~~rrffnngg vvrr{{22007755 ;;ffnn >>ffjj))ff 11 uutt]]bb]]llvv 22007766 ;;ffnn cc;;ff(( dd;;ffGGtt;;DDdd


1= #/ef*f 13,982,532 10,449,594 2= aQL, ljh"nL / kfgL 751,724 538,086 3= dd{t tyf ;Def/ s= ejg - - v= ;jf/L ;fwg 348,624 273,622 u= cGo 432,555 338,513 4= jLdf 131,472 147,038 5= kf]i ]̂h, ]̂n]S;, ]̂lnkmf]g, km\ofS; 3,061,606 2,853,227 6= sfof{no pks/)f kmlg{r/ / ;Def/ 949,993 788,052 7= e|d)f eQf / vr{ 10,520,905 8,934,251 8= d;nGb / %kfO{ 4,430,167 2,526,197 9= kqklqsf tyf k":ts 82,494 92,465 10= lj!fkg tyf k|j${g 476,905 421,648 11= sfg"gL vr{ - - 12= rGbf÷;xof]u 28,445 40,670 13= ;~rfns ;ldlt ;DaGwL vr{ s= j}&s eQf 694,655 173,000 v= cGo vr{ - 392,955 14= ;fwf/)f ;ef ;DjGwL vr{ 153,088 301,154 15= n]vf k/LIf)f ;DaGwL s= n]vf k/LIf)f z"Ns -afXo_ 141,250 141,250 v= cGo vr{ 801,682 10,150 16= /sd :yfgfGt/)f sldzg 66,900 50,055 17= :yL/ ;DklQdf Xf; s§L 6,755,597 4,675,470 18= k"j{ ;~rfng vr{ ckn]vg - - 19= z]o/ lgisfzg÷Joj:yfkg vr{ 940,356 1,121,277 20= k|fljlws ;]jf ;f]wegf{ 39,194 - 21= dgf]/~hg vr{ - - 22= ckn]vg vr{ 23,248 3,746 23= ;"/Iff vr{ - - 24= shf{ ;"/If)f lk|ldod 2,566,327 - 25= sldzg / l*:sfp)^ - - 26= cGo s_ OGwg 580,593 529,224 v_ btf{ tyf gljs/)f 1,031,085 170,848 u_ cltly ;Tsf/ 436,854 27,697 #_ a}+s C)f k|lqmof vr{ 610,691 739,446

ª_ ;fdflhs pQ/bfloTj vr{ - 104,530 r_ s]Gb| k|d"v uf]i&L vr{ - - %_ ;km\^j]o/ ;]jf z'Ns 976,825 902,935 h_ d];]Gh/ vr{ 6,482,500 8,240,866 em_ tflnd vr{ -qm)fL_ 569,149 732,616 `_ aflif{s pT;j vr{ 74,159 98,144 ^_ Aofh ldnfg vr{ - 195,291 &_ laljw vr{ 1,441,118 932,456 hhDDddff 5599,,558822,,669922 4466,,994466,,447733

lljjjj//))ff


33


;;DDeefflljjtt ggff]]SS;;ffggLL JJoojj::yyff22007755 ;;ffnn >>ffjj))ff 11 uutt]]bb]]llvv 22007766 ;;ffnn cc;;ff(( dd;;ffGGtt;;DDdd

ccgg"";;''rrLL 44==1199lljjjj//))ff oo;; jjiiff{{ ??== uutt jjiiff{{ ??==1= shf{ gf]S;fgL Joj:yfdf ePsf] a[$L 102,326,706 71,078,781 2= nufgL gf]S;fgL Joj:yfdf ePsf] a[$L - - 3= u}/ a}+lsé ;DklQ gf]S;fgL Joj:yf - - 4= cGo ;DklQdf ul/Psf] Joj:yf - - hhDDddff 110022,,332266,,770066 7711,,007788,,778811

uu}}// ;;~~rrffnngg ccffDDbbffggLL÷÷ggff]]SS;;ffgg22007755 ;;ffnn >>ffjj))ff 11 uutt]]bb]]llvv 22007766 ;;ffnn cc;;ff(( dd;;ffGGtt;;DDdd

ccgg"";;''rrLL 44==2200lljjjj//))ff oo;; jjiiff{{ ??== uutt jjiiff{{ ??==1= nufgL laqmLaf^ cfDbfgL÷-gf]S;fg_ - - 2= ;DklQ laqmLaf^ cfDbfgL÷-gf]S;fg_ - (5,341) 3= nfe+fz5= cGo 938,877 491,765 vv""bb uu}}// ;;++rrffnngg ccffDDbbffggLL÷÷--ggff]]SS;;ffgg__ 993388,,887777 448866,,442233

;;DDeefflljjtt ggff]]SS;;ffggLL JJoojj::yyffaaff^̂ llkkmmttff{{22007755 ;;ffnn >>ffjj))ff 11 uutt]]bb]]llvv 22007766 ;;ffnn cc;;ff(( dd;;ffGGtt;;DDdd

ccgg"";;''rrLL 44==2211lljjjj//))ff oo;; jjiiff{{ ??== uutt jjiiff{{ ??==1= shf{ gf]S;fgL Joj:yfaf^ lkmtf{ 92,544,258 43,475,339 2= u}/ a}+lsé ;DklQ gf]S;fgL Joj:yfaf^ lkmtf{ - - 3= nufgL Joj:yfaf^ lkmtf{ - - 4= cGo ;DklQsf] Joj:yfaf^ lkmtf{ - - hhDDddff 9922,,554444,,225588 4433,,447755,,333399

cc;;ffddffGGoo ssff//ff]]jjff//xx??aaff^̂ eePPssff]] ccffDDbbffggLL÷÷vvrr{{22007755 ;;ffnn >>ffjj))ff 11 uutt]]bb]]llvv 22007766 ;;ffnn cc;;ff(( dd;;ffGGtt;;DDdd

ccgg"";;''rrLL 44==2222lljjjj//))ff oo;; jjiiff{{ ??== uutt jjiiff{{ ??==1= ckn]vg ePsf] shf{sf] c;"nL - 0.002= :jlR%s cjsfz vr{ - - 3= c;"nL x"g g;Sg] shf{sf] ckn]vg -4=22s_ - - 4= cGo vr{÷cfDbfgL - - hhDDddff -- --


34

PPggPPddllaa nn££ffÚÚlljjQQ lljjQQLLoo ;;++::yyff llnn==kk F""hhLLssff]]iiff ttffllnnssff


lljjjj//))ff oo;; aaiiff{{ uutt jjiiff{{ss== kk||ffyyllddss kk"" FhhLL 228888,,445555,,111155 223399,,552277,,443399

1= r"Qmf k F"hL -;fwf/)f z]o/_ 162,006,250 140,875,000 2= k|:tfljt jf]g; z]o/ 48,601,875 21,131,250 3= z]o/ lk|ldod - - 4= lkmtf{ gx"g] cu|flwsf/ z]o/ - - 5= ;fwf/)f hu]*f sf]if 35,813,359 23,804,415 6= ;l~rt gfkmf÷-gf]]S;fg_ 45,770,762 43,370,181 7= jf;nftdf b]vfOPsf] rfn" cf=j=sf] gfkmf gf]S;fg lx;fjsf /sd - 13,041,756 8= k F"hL lkmtf{ hu]*f sf]if - -

9= k F"hL ;dfof]hg sf]if - - 10= sN; Og P*efG; - - 11= cGo :jtGq sf]ifx? - - ##^̂ffppgg]]MM Voflt (Goodwill) jfktsf] /sd - - :yug s/ ;DklQ 3,737,132 2,110,597 ;LdfeGbf a(L z]o/, ;'/If)fkqdf nufgL ul/Psf] /sd - - ljQLo :jfy{ /x]sf] sDkgLsf] lwtf]kqdf nufgL u/]sf] /sd - - cjf:tljs ;DklQ - 584,566 o; a}+ssf] lgb]{zg kfngf gu/L :jk|of]hgsf nflu #/hUuf vl/b u/]sf] /sd - - k|rlnt P]g tyf sfg"gn] k|ltaGw u/]sf] JolQm tyf ;d'xx?nfO{ k|bfg u/]sf] shf{ tyf ;"ljwfx?

- -

vv== kk''//ss kk"" FhhLL 1155,,446633,,885555 2255,,225566,,445511 1= c;n shf{sf] nflu u/]sf] shf{ gf]S;fgL Joj:yf 15,463,855 21,670,930 2= cltl/Qm shf{ gf]S;fgL Aoj:yf - - 3= xfOlj|* k F"hL pks/)fx? - - 4= ;"/If)f g/fv]sf] ;xfos cfjlws C)f - - 5= ;DklQ k'g{d'Nof°g sf]if - - 6= nufgL ;dfof]hg sf]if - - 7= u|fxs ;+/If)f sf]if - 3,585,521 uu== hhDDddff kk"" FhhLLssff]]iiff --ss + vv__ 330033,,991188,,996699 226644,,778833,,889900 ## hhff]]llvvdd eeffll//tt ;;DDkkllQQssff]] ccffwwff//ddff ssffoodd uugg""{{kkgg{{]] GGoo""ggttdd kk"" FhhLLssff]]iiff k" FhLsf]if -8 k|ltzt_ 259,425,050 187,942,591 k|fylds k" FhL -4 k|ltzt_ 129,712,525 93,971,295 k" FhLsf]if -clws÷Go"g_ 44,493,919 76,841,300 k|fylds k" FhL -clws÷Go"g_ 158,742,589 145,556,144


cckknn]]llvvtt sshhff{{ssff]] lljjjj//))ffccff==jj== 22007755÷÷7766 --??==__

ccgg"";;''rrLL 44==2222--ss__qqmm==;;== sshhff{{ kk||ssff// cckknn]]vvgg llwwttff]]ssff]] kk||ssff// llwwttff]] dd""NNooffss++gg sshhff{{ ::jjLLss[[tt sshhff{{ cc;;""nnLLssff

uull//PPssff]] //ssdd ttyyff //ssdd ccffwwff// uugg]]{{ ccllwwssff//LL÷÷ttxx nnfflluu eePP ss}}llkkmmoottuu//]]ssff kk||ooff;;

1 rfn" k" FhL shf{ - - - - - - 2 kl/of]hgf shf{ - - - - - - 3 l:y/ k" FhL shf{ - - - - - - 4 JolQmut shf{ - - - - - - 5 cGo shf{ - - - - - -

ss""nn sshhff{{ -- -- --


;;~~rrffnnss,, ssffoo{{ssff//LL kk||dd""vv,, ;;++::yyffkkss,, ssdd{{rrff//LL,, zz]]oo//xxff]]NN**//xx??nnffOO{{ uuPPssff]] sshhff{{ ;;ffkk^̂ lljjjj//))ff

;;++::yyffkkss÷÷;;~~rrffnnss÷÷ssffoo{{ssff//LL oo;; jjiiff{{ kk||dd""vvssff]] ggffdd ;;ff Fjjff JJooffhh ;;ff++jjff JJooffhh yykk sshhff{{ ;;ff++jjff JJooffhh

s= ;~rfns1= - - - - - - - 2 - - - - - - - v= sfo{sf/L k|d'v 1= - - - - - - - 2 - - - - - - - u= ;+:yfks 1= - - - - - - - 2 - - - - - - - #= sd{rf/L 1= - - - - - - - 2 - - - - - - - ª= z]o/wgLx? 1= - - - - - - - 2 - - - - - - -

hhDDddff - - - - - - -

v/Lb tyf l*:sfpG^ ul/Psf ljnx? / shf{, ;fk^ tyf clwljsif{df k|jflxt s'n /sd dWo] ;~rfns, sfo{sf/L k|d'v, ;+:yfks, sd{rf/L, z]o/ xf]N*/x? / lghx?sf] kl/jf/sf ;b:o jf To:tf JolQm hdfgL a;]sf] jf d}g]lhª\ Ph]G^ ePsf] s"g} ;+:yf jf sDkgLnfO{ uPsf]

/sdsf] ljj/)f b]xfo adf]lhd % .

uutt jjiiff{{;;DDddssff]] jjff FssLL ccffiiffff(( dd;;ffGGtt;;DDdd aaff++ssLL oo;; jjiiff{{ cc;;""nnLLccgg"";;''rrLL 44==2233


35

PPggPPddllaa nn££ffÚÚlljjQQ lljjQQLLoo ;;++::yyff llnn==kk F""hhLLssff]]iiff ttffllnnssff


lljjjj//))ff oo;; aaiiff{{ uutt jjiiff{{ss== kk||ffyyllddss kk"" FhhLL 228888,,445555,,111155 223399,,552277,,443399

1= r"Qmf k F"hL -;fwf/)f z]o/_ 162,006,250 140,875,000 2= k|:tfljt jf]g; z]o/ 48,601,875 21,131,250 3= z]o/ lk|ldod - - 4= lkmtf{ gx"g] cu|flwsf/ z]o/ - - 5= ;fwf/)f hu]*f sf]if 35,813,359 23,804,415 6= ;l~rt gfkmf÷-gf]]S;fg_ 45,770,762 43,370,181 7= jf;nftdf b]vfOPsf] rfn" cf=j=sf] gfkmf gf]S;fg lx;fjsf /sd - 13,041,756 8= k F"hL lkmtf{ hu]*f sf]if - -

9= k F"hL ;dfof]hg sf]if - - 10= sN; Og P*efG; - - 11= cGo :jtGq sf]ifx? - - ##^̂ffppgg]]MM Voflt (Goodwill) jfktsf] /sd - - :yug s/ ;DklQ 3,737,132 2,110,597 ;LdfeGbf a(L z]o/, ;'/If)fkqdf nufgL ul/Psf] /sd - - ljQLo :jfy{ /x]sf] sDkgLsf] lwtf]kqdf nufgL u/]sf] /sd - - cjf:tljs ;DklQ - 584,566 o; a}+ssf] lgb]{zg kfngf gu/L :jk|of]hgsf nflu #/hUuf vl/b u/]sf] /sd - - k|rlnt P]g tyf sfg"gn] k|ltaGw u/]sf] JolQm tyf ;d'xx?nfO{ k|bfg u/]sf] shf{ tyf ;"ljwfx?

- -

vv== kk''//ss kk"" FhhLL 1155,,446633,,885555 2255,,225566,,445511 1= c;n shf{sf] nflu u/]sf] shf{ gf]S;fgL Joj:yf 15,463,855 21,670,930 2= cltl/Qm shf{ gf]S;fgL Aoj:yf - - 3= xfOlj|* k F"hL pks/)fx? - - 4= ;"/If)f g/fv]sf] ;xfos cfjlws C)f - - 5= ;DklQ k'g{d'Nof°g sf]if - - 6= nufgL ;dfof]hg sf]if - - 7= u|fxs ;+/If)f sf]if - 3,585,521 uu== hhDDddff kk"" FhhLLssff]]iiff --ss + vv__ 330033,,991188,,996699 226644,,778833,,889900 ## hhff]]llvvdd eeffll//tt ;;DDkkllQQssff]] ccffwwff//ddff ssffoodd uugg""{{kkgg{{]] GGoo""ggttdd kk"" FhhLLssff]]iiff k" FhLsf]if -8 k|ltzt_ 259,425,050 187,942,591 k|fylds k" FhL -4 k|ltzt_ 129,712,525 93,971,295 k" FhLsf]if -clws÷Go"g_ 44,493,919 76,841,300 k|fylds k" FhL -clws÷Go"g_ 158,742,589 145,556,144


36


k|d"v ;"rsF°sDtLdf ljut 5 jif{sf] kl/;"rsx?

ccgg"";;''rrLL 44==2255

lljjjj//))ff ;;""rrssff°°ccff==jj==

22007711÷÷7722ccff==jj==

22007722÷÷7733ccff==jj==

22007733÷÷7744ccff==jj==

22007744÷÷7755ccff==jj==

22007755÷÷77661= v"b gfkmf÷s"n cfDbfgL k|ltzt k|ltzt 15.36% 20.01% 15.69% 7.37% 10.68%2= k|lt z]o/ cfDbfgL ?= 26.85 64.92 40.29 29.02 37.06 3= k|lt z]o/ jhf/ d"No ?= - 4,100 2,846 2,846 990 4= d"No cfDbfgL cg"kft (PE Ratio) cg"kft - 63 70.64 98.07 26.71 5= z]o/ k" FhLdf nfef+++z -jf]g; ;lxt_ k|ltzt 15.00% 25.00% 25.00% 15.00% 30.00%6= z]o/ k" FhLdf gub nfef+z e"QmfgL k|ltzt 0.79% 1.32% 1.32% 0.79% 1.58%7= Jofh cfDbfgL÷shf{ tyf ;fk^ k|ltzt 12.91% 12.03% 15.83% 17.21% 16.35%8= sd{rf/L vr{÷s"n ;~rfng vr{ k|ltzt 64.39% 66.68% 69.31% 69.33% 71.00%9= s"n lgIf]k tyf ;fk^Ldf Jofh vr{ k|ltzt 3.57% 3.92% 6.87% 9.91% 9.63%10= ;^xL #^a( cfDbfgL÷s"n cfDbfgL k|ltzt 0.00% 0.00% 0.00% 0.00% 0.00%11= sd{rf/L af]g;÷s"n sd{rf/L vr{ k|ltzt 7.68% 12.47% 9.22% 4.43% 6.56%12= v"b gfkmf÷shf{ ;fk^ k|ltzt 2.40% 3.17% 2.49% 1.47% 1.91%13= v"b gfkmf÷s'n ;DklQ k|ltzt 1.82% 2.54% 2.11% 1.22% 1.76%14= s"n shf{÷lgIf]k k|ltzt 528.46% 488.8% 452.0% 319.4% 290.41%15= s'n ;~rfng vr{÷s'n ;DklQ k|ltzt 8.99% 8.69% 10.15% 16.29% 6.01%16= hf]lvd efl/t ;DklQ k" FhLsf]ifsf] kof{Kttf-s_ k|fylds k" FhL k|ltzt 9.60% 10.39% 10.98% 10.20% 8.90%-v_ k'/s k" FhL k|ltzt 0.91% 1.03% 1.12% 1.08% 0.48%-u_ s'n k" FhL sf]if k|ltzt 10.51% 11.42% 12.10% 11.27% 9.37%17= t/ntf (CRR) k|ltzt 0.52 0.50 0.51 1.02 0.56 18= lgis[o shf{÷s"n shf{ k|ltzt 0.18% 1.15% 0.98% 2.59% 2.04%19= Aofhb/ cGt/ k|ltzt 8.67% 8.92% 8.96% 7.31% 6.72%20= a"s g]^jy{ ?= 49,791,321 107,201,967 217,105,572 248,699,812 306,186,061 21= s"n z]o/ ;+Vof 400,000 460,000 1,127,000 1,408,750 1,620,063 22= s"n sd{rf/L ;+Vof 130 179 234 336 426 23= cGo - - - - -

gf]6 : 1_ kl/;"rs 7 / 12 tyf ( sf] qmdzM shf{ tyf ;fk6 Pj+ lgIf]ksf] nflu jif{sf] z"? tyf clGtd df}Hbftsf] cf};tsf] c+s lnO{Psf5g\ .

2_ kl/;"rs 13 tyf 15 sf] s"n ;Dkltsf] nflu jif{sf] z"? tyf clGtd df}Hbftsf] cf};tsf] c+s lnO{Psf5g\ .

3_ s"n cfDbfgL = Aofh cfDbfgL ++ cGo cfDbfgL

4_ s"n ;~rfng vr{ = sd{rf/L vr{ +++ sd{rf/L af]g; ++ cGo ;~rfng vr{

%_ sd{rf/L vr{ = sd{rf/L vr{ ++ sd{rf/L af]g;

PPggPPddllaa nn££ffÚÚlljjQQ lljjQQLLoo ;;++::yyff llnn==hhff]]llvvdd eeffll//tt ;;DDkkllQQ lljjjj//))ff ttffllnnssff


//ssdd hhff]]llvvdd eeffll//tt //ssdd hhff]]llvvdd

gub df}Hbft 0% 130,155 - 16,451 - g]kfn /fi^« a}+sdf /x]sf] df}Hbft 0% 16,030,000 - 24,230,000 - g]kfn ;/sf/sf] C)fkqdf u/]sf] nufgL 0% - - - - g]kfn /fi^« a}+s C)fkqdf u/]sf] nufgL 0% - - - - cfkm\g} d"@tL /;Lbsf] lwtf]df k')f{ ;"/lIft x"g]ul/ k|bfg u/]sf]] d"@tL /;Lb lwtf] shf{

0% - - - -

;/sf/L C)f kqsf]] lwtf]df k')f{ ;"/lIft x"g]u/L k|bfg u/]sf]] shf{

0% - - - -

;/sf/L ;"/lIft art kqsf] kfpg" kg]{ Aofh /sd (Accrued Amount)

0% - - - -

:jb]zL Ohfhtkqk|fKt a}+s÷ljQLo ;+:yfx?df /x]sf] df}Hbft 20% 284,303,949 56,860,790 447,869,961 89,573,992 dfu]sf] jvt k|fKt x'g] /sd - Money at Call 20% - - - - cGt/ a}s ;fk^L 20% - - - - z]o/, l*j]Gr/ Pj+ a)*df ePsf] nufgL 100% 2,000,000 2,000,000 2,000,000 2,000,000 cGo nufgLx? 100% - - - - shf{ ;fk^ tyf ljN; v/Lb÷l*:sfp)^ 100% 3,144,277,418 3,144,277,418 2,224,722,423 2,224,722,423 l:y/ ;DklQx? 100% 25,806,730 25,806,730 21,177,981 21,177,981 kfpg" kg]{ v"b cGo Aofh /sd 100% - - - - u}/ a}+lsé ;DklQ 100% - - - - cGo ;a} ;DklQ 100% 13,868,191 13,868,191 11,807,986 11,807,986

--ss__ hhDDddff 33,,448866,,441166,,444433 33,,224422,,881133,,112299 22,,773311,,882244,,880022 22,,334499,,228822,,338822 jf;nft aflx/sf] sf/f]af/hdfgt 100% - - - - ckl/jTo{ shf{ k|ltj4tf (Irrevocable Loan Commitment) 100% - - - - cfos/ jfkt ;Defljt bfloTj 100% - - - - Acceptance ;lxt cGo ;j} k|sf/sf ;Defljt bfloTjx? 100% - - - - r'Qmf jf e'QmgL x'g af+sL z]o/ nufgL 100% - - - - e'QmfgLsf] nflu bfjL k/]sf] hdfgt 200% - - - - ;+:yfpk/ bfjL k/]sf] t/ ;+:yfn] bfloTj :jLsf/ gu/]sf] bfloTjx? 200% - - - -

--vv__ hhDDddff -- -- -- -- ss""nn hhff]]llvvdd eeffll//tt ;;DDkkllQQ --ss+vv__ 33,,448866,,441166,,444433 33,,224422,,881133,,112299 22,,773311,,882244,,880022 22,,334499,,228822,,338822

ccgg"";;''rrLL 44==2244--ss__

jjff;;nnfftt aaddff]]llhhddssff]] ;;DDkkllQQ (On- Balance Sheet Assets) eeff//uutt jjiiff{{oo;; aaiiff{{


37


k|d"v ;"rsF°sDtLdf ljut 5 jif{sf] kl/;"rsx?

ccgg"";;''rrLL 44==2255

lljjjj//))ff ;;""rrssff°°ccff==jj==

22007711÷÷7722ccff==jj==

22007722÷÷7733ccff==jj==

22007733÷÷7744ccff==jj==

22007744÷÷7755ccff==jj==

22007755÷÷77661= v"b gfkmf÷s"n cfDbfgL k|ltzt k|ltzt 15.36% 20.01% 15.69% 7.37% 10.68%2= k|lt z]o/ cfDbfgL ?= 26.85 64.92 40.29 29.02 37.06 3= k|lt z]o/ jhf/ d"No ?= - 4,100 2,846 2,846 990 4= d"No cfDbfgL cg"kft (PE Ratio) cg"kft - 63 70.64 98.07 26.71 5= z]o/ k" FhLdf nfef+++z -jf]g; ;lxt_ k|ltzt 15.00% 25.00% 25.00% 15.00% 30.00%6= z]o/ k" FhLdf gub nfef+z e"QmfgL k|ltzt 0.79% 1.32% 1.32% 0.79% 1.58%7= Jofh cfDbfgL÷shf{ tyf ;fk^ k|ltzt 12.91% 12.03% 15.83% 17.21% 16.35%8= sd{rf/L vr{÷s"n ;~rfng vr{ k|ltzt 64.39% 66.68% 69.31% 69.33% 71.00%9= s"n lgIf]k tyf ;fk^Ldf Jofh vr{ k|ltzt 3.57% 3.92% 6.87% 9.91% 9.63%10= ;^xL #^a( cfDbfgL÷s"n cfDbfgL k|ltzt 0.00% 0.00% 0.00% 0.00% 0.00%11= sd{rf/L af]g;÷s"n sd{rf/L vr{ k|ltzt 7.68% 12.47% 9.22% 4.43% 6.56%12= v"b gfkmf÷shf{ ;fk^ k|ltzt 2.40% 3.17% 2.49% 1.47% 1.91%13= v"b gfkmf÷s'n ;DklQ k|ltzt 1.82% 2.54% 2.11% 1.22% 1.76%14= s"n shf{÷lgIf]k k|ltzt 528.46% 488.8% 452.0% 319.4% 290.41%15= s'n ;~rfng vr{÷s'n ;DklQ k|ltzt 8.99% 8.69% 10.15% 16.29% 6.01%16= hf]lvd efl/t ;DklQ k" FhLsf]ifsf] kof{Kttf-s_ k|fylds k" FhL k|ltzt 9.60% 10.39% 10.98% 10.20% 8.90%-v_ k'/s k" FhL k|ltzt 0.91% 1.03% 1.12% 1.08% 0.48%-u_ s'n k" FhL sf]if k|ltzt 10.51% 11.42% 12.10% 11.27% 9.37%17= t/ntf (CRR) k|ltzt 0.52 0.50 0.51 1.02 0.56 18= lgis[o shf{÷s"n shf{ k|ltzt 0.18% 1.15% 0.98% 2.59% 2.04%19= Aofhb/ cGt/ k|ltzt 8.67% 8.92% 8.96% 7.31% 6.72%20= a"s g]^jy{ ?= 49,791,321 107,201,967 217,105,572 248,699,812 306,186,061 21= s"n z]o/ ;+Vof 400,000 460,000 1,127,000 1,408,750 1,620,063 22= s"n sd{rf/L ;+Vof 130 179 234 336 426 23= cGo - - - - -

gf]6 : 1_ kl/;"rs 7 / 12 tyf ( sf] qmdzM shf{ tyf ;fk6 Pj+ lgIf]ksf] nflu jif{sf] z"? tyf clGtd df}Hbftsf] cf};tsf] c+s lnO{Psf5g\ .

2_ kl/;"rs 13 tyf 15 sf] s"n ;Dkltsf] nflu jif{sf] z"? tyf clGtd df}Hbftsf] cf};tsf] c+s lnO{Psf5g\ .

3_ s"n cfDbfgL = Aofh cfDbfgL ++ cGo cfDbfgL

4_ s"n ;~rfng vr{ = sd{rf/L vr{ +++ sd{rf/L af]g; ++ cGo ;~rfng vr{

%_ sd{rf/L vr{ = sd{rf/L vr{ ++ sd{rf/L af]g;


38

PPggPPddllaa nn33""lljjQQ lljjQQLLoo ;;++::yyff llnn==

kkff]]vv//ff,, 2255,, ssff::ssLL

ccgg'';;''rrLL 44==2266

kk||dd''vv nn]]vvff ggLLllttxx??

!!== ;;ffddffGGoo hhffggssff//LL MM

PgPdla n3'ljQ ljQLo ;+:yf ln= g]kfn /fi6« a}+saf6 Ohfhtk|fKt æ3Æ ju{sf] /fli6«o:t/ sfo{If]q ePsf] n3'ljQ ;+:yf xf] . of] ljQLo ;+:yf sDkgL P]g, @)^# cGtu{t klAns lnld6]8 sDkgLsf] ?kdf sDkgL /lhi6«f/sf] sfof{nodf btf{ ePsf] Ps l;ldt bfloTj ePsf] sDkgL xf] .

o; ljQLo ;+:yfsf] ldlt 2075.09.29 df ;DkGg 5}7f}+ jflif{s ;fwf/0f ;efsf] lg0f{o adf]lhd sDkgL /lhi6«f/sf] sfof{nosf] :jLs[lt kZrft ;fljssf] gfd PgPdla dfOqmf]kmfOgfG; ljQLo ;+:yf ln= nfO{ kl/jt{g ul/ PgPdlj n3''ljQ ljlQo ;+:yf ln= sfod ul/Psf] 5 .

o; sDkgLsf] /lhi6«8{ -s]Gb|Lo_ sfof{no sf:sL lhNnfsf] kf]v/f dxfgu/kflnsf j8f g+= 25, ldngrf]sdf /x]sf] 5 . o; sDkgLsf] z]o/ g]kfn lwtf]kq ljlgdo ahf/ lnld6]8df ;"lrs[t eO{ sf/f]af/ eO/x]sf] 5 . ljQLo ljj/0f 2075.04.01 b]lv 2076.03.31 sf] cfly{s sf/f]jf/ ;dfj]z u/L tof/ kfl/Psf] 5g\ .

of] ljQLo ;+:yf g]kfn /fi6« a}saf6 æsÆ ju{sf] Ohfhtkq k|fKt PgPdla a}s lnld6]8sf] ;xfos sDkgL xf] . PgPdla a}sn] o; ;+:yfsf] 51 Kf|ltzt z]o/ :jfldTj x'g] u/L nufgL u/]sf] 5 .

@@== llaaQQLLoo lljjjj//00ffssff]] ccffwwff// M

s= o; ljQLo ;+:yfsf] ljQLo ljj/0fx? ;fdfGotof :jLs[t n]vf l;4fGtx?, g]kfn n]vf dfkb08 tyf g]kfn /fi6« a+}sn] hf/L u/]sf lgb]{zgx? adf]lhd tof/ ul/Psf] 5 . cGoyf pNn]v ul/Psf]df jfx]s o; ljQLo n]vf gLltx/sf] kfngf lg/Gt/ ?kdf ul/Psf] 5 .

v= laQLo ljj/0fx? cGoyf pNn]v ul/Psf]df afx]s P]ltxfl;s d'No cjwf/0f cg'?k tof/ ul/Psf 5g\ .

u= cGoyf pNn]v ul/Psf]df afx]s ljQLo sf/f]af/x? k|f]befjL cfwf/ (Accrual Basis) df n]vf°g u/L ;f]xL cg'?k ljQLo ljj/0fx? tof/ ul/Psf 5g\ .

3= ljQLo ljj/0fx? g]kfn /fi6« a}sjf6 æ3Æ ju{sf n3'ljQ ;+:yfnfO{ hf/L ul/Psf] Plss[t lgb]{zg g+= $ adf]lhdsf] kmf/d cg"?k tof/ ul/Psf 5g\ , h'g k|rlnt n]vfdfgn] tf]s]sf] 9f+rf;+u gldNg klg ;S5 .

##== ll::yy// ;;DDkkllQQddff xx||ff;; ss§§LL ggLLlltt MM

s= l:y/ ;DklQx?nfO{ P]ltxfl;s nfut cjwf/0ff cg'?k n]vf°g u/L b]vfOPsf] 5 . l:y/ ;DklQsf] x|f; s§L 36\bf] d'No k|0fnL (Written Down Value Method) df lgDg b/df s§L ul/Psf] 5 .


39

S|m=;+= ;DklQsf] auL{s/0f X|f; s§ b/ ! hUuf 0% @ Efjg 5% # sDKo'6/ tyf d]lzg/L 25% $ sfof{no pks/0f 25% % Kfmlg{r/ lkmS;r;{ 25% ^ Kfl/jxg ;fwg 20% & cGo ;DklQx? -cb[Zo ;DklQ jfx]s_ 15%

v= ;+:yfn] s'g} cf=j=df ? @,))) eGbf sd nfutdf l:y/ ;DklQ v/Lb u/]df ;Dk'0f{ /sdnfO{ v/Lb u/]s} cf=j= df vr{ n]vf°g ug]{ gLlt lnPsf] 5 .

u= ;+:yfn] ;km\6j]o/ ;DaGwL ePsf] vr{nfO{ k|fKt ubf{sf jvt ePsf] vr{sf] cfwf/df n]vf°g u/L 5 jif{df Straight Line Method cg';f/ x|f; s§L ug]{ gLlt lnPsf] 5 .

3= ;+:yfn] lnhxf]N8 ;DklQnfO{ lnhdf lnPsf] jif{sf] cfwf/df Straight Line Method cg';f/ x|f; s§L ug]{ gLlt lnPsf] 5 .

$$== ccffooss// JJoojj::yyff ggLLlltt MM

cfos/n] rfn' s/ (Current year tax) tyf :yug s/ (Deferred Tax) b'j}nfO{ hgfp+b5 .

s= cfos/ Joj:yfM cfos/ P]g 2058 tyf lgodfjnLsf Joj:yfx? cg';f/ k|rlnt s/sf] b/n] u0fgf u/L cfos/sf] Joj:yf ul/Psf] 5 .

v= :yug s/ ;DklQ (Deferred Tax Assets) ljQLo ljj/0fdf ;DklQsf] /sd / s/of]Uo cfo lgwf{/0f ubf{ ;f]sf] s/ cfwf/ aLrsf] c:yfoL cGt/df :yug s/ lgwf{/0f u/L jf;nft bfloTj (Balance Sheet Liability) n]vf°g ul/Psf] 5 . ;fdfGotof ;a} s/of]Uo c:yfoL cGt/x?nfO{ :yug s/ bfloTj (Deferred Tax Laibility) / ;a} s/ 5'6 c:yfoL cGt/x? pkof]u ug{ ;lsg] ;Defljt s/of]Uo cfo;Dd :yug s/ ;DklQdf (Deferred Tax Assets) n]vf°g ul/Psf] 5 .

%%== nnuuffggLL ;;DDaaGGwwLL ggLLlltt MM

s= ;/sf/L ;'/If0f cGtu{tsf] nufgLnfO{ nfut d'Nosf] cfwf/df n]vf°g ug]{ gLlt lnOPsf] 5 .

v= lwtf]kq ljlgdo ahf/df ;"lrs[t gePsf] sDkgLdf ul/Psf] nufgLnfO{ d"No Cost / Realizable Value dWo] h'g sd x'g cfp+5 ;f] /sddf n]vf°g ug]{ gLlt lnOPsf] 5 .

u= lwtf]kq ljlgdo jhf/df ;"lrs[t ePsf] sDkgLdf ul/Psf] nufgLnfO{ d"No / ahf/ d"NodWo] sd x'g cfpg] /sddf n]vf°g ug]{ gLlt lnOPsf] 5 .

^̂== uu}}// aa}}llss·· ;;DDkkllQQssff]] nn]]vvff°°gg ggLLlltt MM

s= u}/ a}ls· ;DklQ sa'n ubf{sf] ;dodf c;'nx'g af+sL ;Dk'0f{ n]gf /sd cyjf lwtf] /x]sf] ;DklQsf] k|rlnt ahf/ d'No (Fair Market Value) dWo] sd x'g cfpg] /sddf u}/ a}ls· ;DklQsf] n]vf°g ug]{ gLlt /x]sf] 5 .


40

v= ;:+yfn] ;sf/]sf] ;DklQ laqmL ubf{sf] ;dodf x'g] km/s /sdnfO{ ;f]xL jif{sf] gfkmf ⁄ gf]S;fg lx;fjdf ;dfoff]hg ug]{ gLlt /x]sf] 5 .

u= u}/ a+}ls· ;DklQsf] gf]S;fgL Joj:yf g]kfn /fi6« a}+sjf6 hf/L ePsf] lgb]{zg adf]lhd ug]{ gLlt lnOPsf] 5 .

&&== ccffDDbbffggLL ⁄ vvrr{{ nn]]vvff°°gg ggLLlltt MM

s= Aofh u0fgfsf] cfwf/M Jofh lbg' kg]{ lgIf]k / ;fk6L vftfx?df Jofh lb+bf / shf{ ;fk6df Aofh lnbf+ 365 lbgnfO{ Ps jif{sf] cfwf/ dfgL u0fgf ug]{ lglt /x]sf] 5 . To:t} nufgLdf kfpg] JofhnfO{ ;d]t 365 lbgsf] Ps jif{sf] cfwf/ dfgL u0fgf ug]{ gLlt /x]sf] 5 .

v= Aofh cfDbfgL g]kfn /fi6« a}+s4f/f hf/L lgb]{zgx? adf]lhd g} shf{ tyf ;fk6df k|fKt AofhnfO{ gub k|flKtsf] cfwf/df n]vf°g ug]{ gLlt lnOPsf] 5 . gub k|flKtsf cfwf/df Jofh cfDbfgL hgfpg] of] gLlt g]kfn n]vfdfg NAS 18 Revenue ;+u ;fdGh:o 5}g .

u= nufgLdf Jofh cfDbfgL M nufgLaf6 ePsf] Aofh cfDbfgLnfO{ k|f]befjL cfwf/ (Accrual Basis) df n]vf°g ug]{ gLlt /x]sf5 .

3= sldzg cfDbfgL M sDkgLn] cfkm\gf] ;]jf k|jfx u/fpbf k|fKt x'g] sldzg z"Ns cflb cfonfO{ gub k|flKtsf] cfwf/df cfDbfgL hgfpg] gLlt /x]sf] 5 .

ª= nfefz+ cfDbfgL M z]o/ tyf Do'r+n km08df e'QmfgL k|fKt ug]{ clwsf/ :yflkt (Right to Receive) ePkl5 nfefz+ cfDbfgL hgfpg] gLlt /x]sf] 5 . af]g; z]o/ k|fKt ubf{ nfut d'No oyfjt /flv z]o/ dfq a[l4 ug]{ gLlt /x]sf] 5 .

r= Aofh vr{ M Aofh ltg{'kg]{ lgI]fk bfloTj tyf shf{ ;fk6df ltg'{ kg]{ /sdnfO{ k|f]befjL cfwf/ -Accrual Basis) df n]vf°g ug]{ ul/Psf] 5 .

5= cGo nufgL cfDbfgL M ljsf;, C0fkq, /fli6«o art kq, 6«]h/L lan tyf cfjlws lgIf]k h:tf nufgLjf6 k|fKt x'g] AofhnfO{ k|f]befjL (Accrual Basis) cfwf/df cfDbfgL hgfOg] gLlt /x]sf] 5 .

88== sshhff{{ssff]] ;;ff++jjff ttyyff AAooffhh cc;;""nn uugg]]{{ JJoojj::yyff M

shf{sf] ;fFjf tyf Aofh c;"n ubf{ ;a{k|yd xhf{gf /sd, Jofh /sd / To; kZrft ;f+jf c;'n ug]{ Joj:yf ul/Psf] 5 .

((== ;;DDeefflljjtt sshhff{{ ggff]]SS;;ffggLL JJoojj::yyff ttyyff cc;;''nnLL xx''gg gg;;SSgg]] sshhff{{xx??ssff]] cckknn]]vvgg ggLLlltt MM

s= shf{ tyf ;fk6nfO{ g]kfn /fi6« a}+sjf6 hf/L lgb]{zg adf]lhd ;lqmo / lgliqmo shf{sf] ?kdf jlu{s/0f ul/Psf] 5 . h; cg';f/ ;lqmo shf{ ;fk6 tyf lan v/Lb cGtu{t sd;n, z+sf:kb tyf v/fj shf{nfO{ g]kfn /fi6« a}+saf6 hf/L lgb]{zg adf]lhd jlu{s/0f u/L jf;nftdf ;Defljt gf]S;fgL Aoj:yf kl5sf] v'b d'Nofdf b]vfOPsf] 5 .

v= shf{ ;fk6sf] ckn]vg g]kfn /fi6« a}+sjf6 hf/L lgb]{zg Pj+ laQLo ;+:yfsf] shf{ ckn]vg gLltdf Joj:yf eP adf]lhd ug]{ lglt /x]sf] 5 .


41

!!))== dd;;nnGGbb ttyyff 55kkffOO vvrr{{ MM

ljQLo ;+:yfn] v/Lb ug]{ d;nGb tyf 5kfO{ ;fdfgx?nfO{ pkof]usf] cfwf/df FIFO Method jf6 vr{ hgfpg] gLlt lnPsf] 5 .

!!!!== ;;ll~~rrtt llaabbff vvrr{{ MM

ljQLo ;+:yfn] ;+:yfdf sfo{/t :yfoL sd{rf/Lsf] s'g} cf=j= sf] cGTo;Dd x'g cfpg] ;l~rt labf jfktsf] /sdsf nflu ;f]lx cf=j= df k|of{Kt Joj:yf ug]{ gLlt lnPsf] 5 .

!!@@== ppkkbbffgg JJoojj::yyff MM

o; ljQLo ;+:yfn] cjsfzsf avt sd{rf/LnfO{ k|bfg ug'{kg]{ pkbfgsf nflu Joj:yf ub}{ hfg'kg]{ ePsfn] ljQLo ;+:yfn] ljQLo ;+:yfsf] sd{rf/L ;]jf ljlgodfjnL cg';f/ pkbfg Joj:yf u/]sf] 5 .

!!##== ssdd{{rrff//LL aaff]]gg;;

sd{rf/L jf]g;sf] Joj:yf af]g; P]g, 2030 cg';f/ ul/Psf] 5 .

!!$$== ssdd{{rrff//LL ;;++rroo ssff]]iiff

:yfoL sd{rf/Lx?sf] bz k|ltzt of]ubfgdf o; ljQLo ;+:yfn] bz k|ltzt yk u/L sd{rf/L ;+ro sf]ifsf] sfof{nodf sd{rf/Lx?sf] gfddf pQm /sd hDdf ug]{ Joj:yf u/]sf] 5 . ljQLo ;+:yfjf6 sd{rf/L ;+rosf]ifdf of]ubfg ul/Psf] ;dodf g} vr{ hgfOPsf] 5 .

!!%%== ssdd{{rrff//LL sshhff{{ MM

ljQLo ;+:yfsf] sd{rf/L ;]jf ljlgodfjnL cg'?k lbOPsf] shf{nfO{ cGo ;DklQ cGtu{t b]vfOPsf] 5 .

!!^̂== ;;++eefflljjtt ee}}kk//LL ccffppgg]] bbffllooTTjj MM

;+efljt e}k/L cfpg] afWotf jf ;Dejt ljQLo ;+:yfsf] >f]tsf] k|jfx gx'g] jt{dfg bfloTjsf nflu ljQLo ;+:yfn] ;+efljt bfloTjsf] k|s6g ub{5 .

!!&&== zz]]oo// llggiissffzzgg vvrr{{ MM

ljQLo ;+:yfsf] k|ylds z]o/ lgosfzgdf nfu]sf] vr{nfO{ % jif{sf] cjlwdf ckn]vg ug]{ gLlt cjnDag ul/Psf] 5 .

!!**== llggss66ttdd ??kk}}ooff ttyyff kk''ggjj{{uuLL{{ss//00ff

ljQLo ljj/0fsf cs+x?nfO{ lgs6td ?k}ofdf kl/0ft u/L b]vfOPsf] 5 / ut jif{sf] s]xL cs+x?nfO{ cfjZostf cg';f/ k'gj{uL{s/0f ul/Psf] 5 .


42

PPggPPddllaa nn33""lljjQQ lljjQQLLoo ;;::++yyff llnn== kkff]]vv//ff 2255,, ssff::ssLL

ccgg"";;''rrLL 44==2277 nn]]vvff ;;DDaaGGwwLL ll66KKkk00ffLLxx??

11==;;ffwwff//00ff hhuu]]88ff ssff]]iiffddff ;;ffll//PPssff]] //ssdd MM

o; jif{sf] v'b gfkmfaf6 aL; k|ltZftn] x'g] cfpg] /sd ?= 12,008,944.18 nfO{ ;fwf/0f hu]8f sf]ifdf ;fl/Psf] 5 .

22== sshhff{{ ttyyff ;;FFffkk66ssff]] lljjjj//00ff MM ?? xxhhff//ddff

lljjjj//))ff //ssdd z'? df}hbft 2,224,722 s'n shf{ k|jfx 4,390,606 s'n shf{ c;"nL 3,471,051 clGtd df}hbft 3,144,277

33== llggIIff]]kk bbffllooTTjjssff]] ddff}}hhbbfftt MM ?? xxhhff//ddff

lljjjj//))ff //ssdd z'? df}hbft 696,529 s'n art ;+sng 454,344 s'n art lkmtf{ 68,152 clGtd df}hbft 1,082,721

44== AAooffhh bb//ssff]] ccGGtt// MM lljjjj//))ff bb// --kk||llttzztt__ shf{sf] efl/t Aofh b/ 16=35 lgIf]ksf] tyf ;fk6sf] Aofh b/ 9=63 v'b cGt/ (Spread) 6=72 55== cckknn]]vvgg uull//PPssff]] vvrr{{ssff]] lljjjj//00ff MM ;;DDkklltt zz""?? ddff}}hhbbfftt cckknn]]vvgg uull//PPssff]] //ssdd --??==__ cckknn]]vvgg xx""gg]] aaffssLL //ssdd

--??==__ k|fylds z]o/ lgisfzg vr{ 584,566 584,566 0 l:y/ ;Dklt 23,248


43

66== hhff]]llvvdd ccllwwss]]GGbb||ss//00ffssff]] lljjjj//00ff MM ?? xxhhff//ddff

lljjjj//))ff sshhff{{ ;;ffkk^̂ llggIIff]]kk //ssdd s"n shf{ /sd 2076 cfiff( d;fGt 3,144,277 1,082,721 Ps JolSt pRrtd /sd 1,000 498 Ps JolSt pRrtd k|ltzt 0=03 0=05 77== ;;DDkklltt ttyyff bbffllooTTjjssff]] ccGGtt//ffnn ;;DDaaGGwwLL lljjjj//00ff MM ?? xxhhff//ddff

;;DDkklltt 11 bb]]llvv 9900

llbbgg 9911 bb]]llvv 118800 llbbgg

118811 bb]]llvv 227700 llbbgg

227711 bb]]llvv 336655 llbbgg

11 aaiiff{{ eeGGbbff aall(( ss""nn //ssdd

gub df}Hbft 130.16 130.16

a}+s df}Hbft 300333.95 300,333.95

ljb]lz a}+sdf nufgL 0.00 ;/sf/L ;"/If0f 0.00

g]= /f= a}+s j08 0.00

cGt/ a}+s nufgL 0.00

shf{ tyf ;fkl6 471641.61 628855.48 786069.35 943283.23 314427.74 3,144,277.42

k|fKt x"g"kg{] Aofh 42579.53 42579.53 cGo 1966.90 11901.29 13868.19

hhDDddff 881166665522..1155 662288885555..4488 778866006699..3355 994433228833..2233 332266332299..0033 33550011118899..2244

bfloTj

;fkl6 245030.03 196024.02 392048.04 931114.10 196024.02 1960240.21

art lgIf]k 54136.07 0.00 108272.14 0.00 920313.19 1082721.39 d"2tL lgIf]k 0.00

C0f kqx? 0.00

cGo bfloTj 6414.38 9330.89 48410.60 64155.87

Joj:yfx? 16753.51 16753.51 26805.62 2010.42 4690.98 67014.06

hDdf 332222333333..9999 221122777777..5544 553366445566..7700 993333112244..5522 11116699443388..7799 33117744113311..5533 v"b ljQLo ;Dklt 449944331188..1155 441166007777..9955 224499661122..6666 1100115588..7700 --884433110099..7755 332277005577..7711

s"n ljQLo ;Dklt 449944331188..1155 991100339966..1100 11116600000088..7766 11117700116677..4466 332277005577..7711 00..0000 88== ccffkkmm\\gg}} llWWffttff]] ;;""//IIff00ffddff llnnPPssff]] sshhff{{ ttyyff ;;ffkk66LLssff]] //ssdd MM ljlto ;+:yfn] cfkm\gf] ;Dklt lWftf] ;"/If0f /fvL s"g} shf{ lnPsf] 5}g .

99== uu}}// aa}}llss·· ;;DDkklltt ;;DDaaGGwwLL lljjjj//00ff MM ljlto ;+:yfn] xfn;fn s"g}klg u}/ a+}ls· ;Dklt ;sf/]sf] 5}g .

1100== rr""QQmmff kk"hhLLssff]] lljj::tt[[tt lljjjj//00ff MM cf=j= 2075÷2076 sf] ljlQo ljj/0fdf /x]sf] r"Qmf k"hLsf] ljj/0f lgDg adf]lhd /x]sf] 5 .

;;DDkkllQQ //ssdd z"? df}hbft 162,006,250 cf=j 2075÷2076 sf] ;+lrt gfkmfaf6 30 k|ltzt af]gz hf/L ePsf] 48,601,875 clGtd df}hbft 210,608,125


44

1111== llnnhhxxff]]NN88 ;;DDkkllQQssff]] lljjjj//00ff MM

lnhxf]N8 ;DklQsf] ljj/0f lgDg adf]lhd /x]sf] 5 .

;;DDkkllQQ zz""?? dd""NNoo --??==__ oo;; jjiiff{{ssff]] yykk //ssdd --??==__

XXff;; ss§§LL uull//PPssff]] //ssdd --??==__

oo;; jjiiff{{ssff]] ccGGttddff aaffssLL //ssdd --??==__

lnhxf]N8 ;DklQ 1,182,218=19 491,809 691,347=08 982,680

1122==nnuuffggLLssff]] lljjjj//00ff MM

o; ljQLo ;+:yfn] s'n 34 j6f n3'ljQ ;+:yfx? ldn]/ 2073 ;fn >fj0f dlxgf 12 ut] :yfkgf ul/Psf], /lhi68{ sfo{no sf7df8f}+ d= g= kf= j8f g+ 1 df /x]sf] g]kfn lkmg;km\6 sDkgL lnld6]8sf] 20,000 lsQf ;+:yfks z]o/ wf/0f ug]{ u/L k|lt lsQf ?= 100 sf b/n] ?= 2,000,000 nufgL u/]sf] 5 . pQm sDkgLn] ;j{;fw/0fdf z]o/ laqmL u/]sf] jf g]kfn lwtf]kq ljlgod ahf/df ;'rLs[t eO;s]sf] 5}g .

g]kfn /fi6«a}+saf6 hf/L lgb]{zg 8.2 adf]lhd g+of v'n]sf ;+:yfdf u/]sf] nufgLsf] xsdf To:tf] sDkgL ;+rfngdf cfPsf] ldltn] 2 jif{leq jf nufgL u/]sf] @ jif{leq pQm z]o/ ;"rLs[t gePsf] v08df nufgL eP a/fa/sf] ;Dk"0f{ /sd nufgL ;dfof]hg sf]ifdf hDdf ug{" kg{] k|fjwfg /x]sf] t/, Nepal Finsoft Company Ltd df ul/Psf] z]o/ nufgLsf ;DaGwdf eg] nufgL ;dfof]hg sf]if v8f ug'{ kg]{ 5}g eGg] Joj:yf cg'?k pQm nufgLdf ;dfof]hg sf]ifdf s"g} /sd Joj:yf ul/Psf] 5}g .

1133== @@))&&^̂ ccffiiffff99 dd;;ffGGtt ;;DDddssff]] ;;++eefflljjtt sshhff{{ ggff]]SS;;ffggLL JJoojj::yyff lljjjj//00ff MM ??== xxhhff//ddff lljjjj//00ff //ssdd z"? df}hbft /sd 57,232 o; jif{sf] lkmtf{ Joj:yf -92,545_ o; jif{sf] yk Joj:yf 102,326 @)&^ cfiff9 d;fGtsf] hDdf /sd 67,014 1144== @@))&&^̂ ccffiiffff99 dd;;ffGGtt ;;DDddssff]] JJooffhh dd''NNttjjLL llxx;;ffaa lljjjj//00ff MM jf;nftsf] ldltdf shf{ tyf ;fk6df kfs]sf] t/ k|fKt gePsf] Aofh /sd Aofh d'NtjL vftfdf ;fl/Psf] 5 / cg";"rL 4.12 df b]vfOPsf] 5 . g]kfn /fi6« a}+ssf] lgb{]zg / k/Lkqn] a}+s tyf ljQLo ;+:yfx?nfO{ cfly{s jif{sf] cGtdf kfs]sf] t/ k|fKt gePsf] Aofh cfly{s jif{ ;dfKt ePsf] 30 lbg leq c;"n ePdf Aofh cfDbfgL afWg cg'dlt lbPsf] 5 . ljQLo ;+:yfn] tL Aofh d"NtjL /sdnfO{ Aofh cfDbfgL hgfPsf] 5}g .

??==xxhhff//ddff

lljjjj//))ff //ssdd o; jif{sf] Aofh d"NtjL 42,579,530 o; jif{sf] Aofh ckn]vg - @)&^ cfiff9 d;fGt ;Ddsf] s"n Jofh d'NtjL /sd 42,579,530


45

1155== lljjllQQoo lljjjj//00ff ccgg"";;ff//ssff]] ggffkkmmffnnffOO{{ ss//ooff]]UUoo ggffkkmmff;;++uu llddnnffgg uull//PPssff]] lljjjj//00ff bb]]xxffoo aaddff]]llhhdd //xx]]ssff]] 55 .. ?=

lljjjj//00ff //ssdd //ssdd n]vf cg";f/sf] v"b gfkmf d"gfkmf -af]g; kl5sf]_ 86,044,962=18 hhff]]88gg]] MM nn]]vvff ccgg"";;ff// vvrr{{xx?? dd{t tyf ;Def/ vr{ - rGbf - pkbfg jfktsf] Joj:yf 1,882,787=75 sd{rf/L tflnd vr{ - Xf; sl§ vr{ 6,755,596=46 ljbf jfktsf] Joj:yf 3,617,071=3 shf{ gf]S;fgL Joj:yf - sd{rf/L jf]g; lbg afFsL 639,482.01 ;]o/ lg:sfzg ckn]vg vr{ 584,565.75 rGbf÷;xof]u 28,445 hhff]]88\\gg]] hhDDddff 13,507,948=63 36fpg] M bflaof]Uo vr{x? - dd{t tyf ;Def/ vr{ - sd{rf/L tflnd vr{ - Xf; sl§ vr{ 7,313,854=82 o; cf=j=df e"QmfgL ul/Psf] sd{rf/L ljbf /sd - shf{ gf]S;fgL Joj:yf - 3366ffppgg]] hhDDddff 7,313,854=82 s/of]Uo cfo 92,239,055=99 o; cf=j= sf] s/ bfloTj 27,671,716=8 hl/jfgf bkmf !!* sf] - cflu|d s/ 25,000,000 jjff;;nnffttddff bb]]vvffPPssff]] ccffooss// bbffllooTTjj 22,,667711,,771166==88

1166== ::yyuugg ss// ;;DDkkllQQ // bbffllooTTjj MM@)&^ cfiff9 d;fGtsf] ;DklQ / bfloTjdf b]vfO{Psf] /sddf tn pNn]v eP adf]lhd s]lx c:yfoL km/s b]lvPsf] 5 .

lljjjj//00ff lljjQQLLoo lljjjj//00ff ccgg"";;ff// ccffooss// ccgg"";;ff// kkmm//ss --??==__ l:y/ ;DklQ -;km\6j]o/, lnhxf]N8 ;d]t_ 25,806,730.10 24,509,265.66 --1,297,464.43) ;l~rt labf afktsf] /sd 8,147,045.76 - 4,529,974 sd{rf/L bIftf clej[l4 jfktsf] Joj:yf - - - pkbfg jfktsf] Joj:yf 5,607,523.85 - 5,607,523.85 hDdf bflaof]Uo -s/ of]Uo_ km/s 12,457,105.17 k|rlnt s/ b/ 30% :yug s/ ;DklQ -bfloTj_ 3,737,131.55 ut jif{sf] :yug s/ ;DklQ -bfloTj_ 2,110,597 oo;; jjiiff{{ssff]] ::yyuugg ss// ccffDDbbffggLL --11,,662266,,553344..5555__


46

g]kfn /fi6« a}+sn] hf/L u/]sf] lgb]{zg adf]lhd :yug s/ cfDbfgL /sd ? 1,626,534.55 nfO{ gfkmf gf]S;fg afF8kmf+8 lx;fa cGtu{t o; jif{sf] gfkmfaf6 :yug s/ hu]8f sf]ifdf ;fl/Psf] 5 .

1177== sshhff{{ ;;''//IIff00ff ssff]]iiff // ;;ffddffllhhss ;;''//IIff00ff ssff]]iiff MM

g]kfn /fi6« a}+ssf] :ynut k|ltj]bg adf]lhd ;+:yfn] shf{ k|jfx ug]{ s|ddf u|fxsaf6 :jLs[t s'n shf{ /sd dWo]af6 s'n shf{ /sdsf] )=# k|ltzt /sd s§fu/L shf{ ;'/If0f sf]ifdf hDdf ug]{, k|lt ;b:o jflif{s ?=!)).– s§fu/L ;fdflhs ;'/Iff sf]ifdf hDdf ug]{ tyf klxnf] ls:tf jfktsf] /sd s§fu/L C0fL ;b:osf] art vftf vf]nL /fVg]] h:tf sfo{ tTsfn aGbug{' kg]{ tyf C0fLaf6 c;'n]sf] ;f] /sd lkmtf{ ug{' kg]{ lgb]{zg kZrft df3 !, @)&% df a;]sf] ;+rfns ;ldltsf] j}7ssf] lg0f{oåf/f pQm sfo{ aGb u/]sf] 5 . pQm sf]ifx?df hDdf ePsf] /sd ?= 31,871,734 -shf{ ;'/If0f sf]ifsf] ?= !*,$)$,*#% / ;fdflhs ;'/If0f sf]ifsf] ?= !#,$^^,())_ u|fxs ;+/If0f sf]ifdf /sdfGt/ ul/Psf] 5 .

1188== uu||ffxxss ;;++//IIff00ff ssff]]iiff MM

g]kfn /fi6« a}+saf6 æ3Æ ju{sf n3"ljQ ;+:yfx?nfO{ hf/L kl/kqsf] kfngf ub}{ C0fLx?sf] lxt tyf ;+:yfut ljsf;df vr{ ug{] u/L cnUu} u|fxs ;+/If0f sf]if (Client Protection Fund) v8f ul/Psf] 5 h;df lgb{]zg adf]lhd lgDg /sdx? 5'6\ofOPsf] 5 . o;/L g]kfn /fi6« a}+ssf] lgb]{zg adf]lhd 5'6\ofOPsf] /sd u|fxs ;+/If0f sf]if cGtu{t hu]8f tyf sf]if df b]vfOPsf] 5 .

??== xxhhff//ddff lljjjj//))ff //ssdd z"? df}hbft /sd 3,586 o; jif{sf] v"b d"gfkmfsf] 1 k|ltzt 600 20 k|ltzteGbf a(L k|:tfljt nfef+z -gub / af]g;_ ?= 4,690 hDdf -hu]*f tyf sf]ifx?df b]vfOPsf]_ 8,876

gf]6 : ut cf= j= @)&$/&% df u|fxs ;+/If0f sf]ifdf /x]sf] /sdnfO{ k'/s k"FhLdf ;dfj]z ul/Psf] ePtfklg rfn' cf= j= @)&%/&^ df pQm sf]ifsf] /sd ;dfj]z ul/Psf] 5}g .

To:t} u|fxs af6 ;+sng ePsf] /sd ?= 31,871,734 -shf{ ;'/If0f sf]ifsf] ?= !*,$)$,*#% / ;fdflhs ;'/If0f sf]ifsf] ?= !#,$^^,())_ u|fxs ;+/If0f sf]ifdf /sdfGt/ ul/ cGo bfloTjdf b]vfOPsf] 5 . 1199== ;;++::yyffuutt ;;ffddffllhhss ppQQ//bbffllooTTjj ssff]]iiff MM g]kfn /fi6« a}+saf6 æ3Æ ju{sf n3'ljQ ;+:yfx?nfO{ hf/L u/]sf] lgb]{zg g+= 6.13 adf]lhd n3'ljQ ;+:yfn] ;+:yfut ;fdflhs pQ/bfloTj ;DaGwL sfo{df yk lqmoflzn x'g cfkm\gf] x/]s cfly{s jif{sf] sDtLdf 1 k|ltzt /sd 5'6\ofO{ ;+:yfut ;fdflhs pQ/bfloTj sf]if v8f u/L hDdf ug{' kg{] k|jfwfg adf]lhd o; jif{sf] v'b d'gfkmf ?= 60,044,720.93 sf] 1 k|ltztn] x'g] /sd ?= 600,447.2 nfO{ ;+:yfut ;fdflhs pQ/bfloTj sf]ifdf hDdf u/L ut aif{ ?= 781,093 ;lxt cg';'rL 4.2 hu]8f tyf sf]ifx?df b]vfOPsf] 5 .

2200==;;IIffdd kkll//ooff]]hhggff;;++uu ;;DDaallGGwwtt lljjjj//00ff MM

o; ljQLo ;+:yfn] ;Ifd kl/of]hgfsf] ;xsfo{df ;~rfng ul//x]sf] sfo{qmdsf] nflu k|fKt ePsf] cg'bfg /sd dWo] l:y/ ;DklQ;+u ;DalGwt cg'bfg afx]s cGo cg'bfg /sdnfO{ o; cfly{s jif{df ;DalGwt vr{ eP adf]lhdsf] /sdnfO{ cGo ;~rfng cfDbfgL cGtu{t ;Ifd kl/of]hgfaf6 ePsf] cfDbfgL zLif{sdf n]vfª\sg ul/Psf] 5 . l:y/ ;DklQ;+u ;DalGwt cg'bfgnfO{ cGo bfloTj cGtu{t ;Ifd kl/of]hgfaf6 :yug


47

cfDbfgL zLif{{sdf n]vfª\sg u/L ;DklQsf] k|of]ujlWf cg';f/ cfDbfgL aflwPsf] 5 . l:y/ ;DklQsf] afFsL d'NonfO{ cGo bfloTj cGtu{t ;Ifd kl/of]hgfaf6 :yug cfDbfgL zLif{sdf b]vfOPsf] 5 . vr{ x'g afFsL cg'bfg /sdnfO{ cGo bfloTj cGtu{t ;Ifd kl/of]hgfaf6 cg'bfg zLif{sdf b]vfOPsf] 5 .

?= lljjjj//))ff //ssdd ;Ifd kl/of]hgfaf^ k|fKt cg"bfg -s_ 4,370,157=29 l:y/ ;DklQ v/Lb -v_ 2,046,744=3 l:y/ ;DklQafx]ssf] cfDbfgL -u_ 2,234,322=07 l:y/ ;DklQsf] k|of]ujlWf cg";f/sf] cfDbfgL -#_ 852,822=13 ;Ifd kl/of]hgfaf^ cfPsf] cfDbfgL -ª=u+#_ 3,087,144=20 ;Ifd kl/of]hgfaf^ :yug cfDbfgL -r = v - #_ 1,193,922=16 ;Ifd kl/of]hgfaf^ k|fKt cg"bfg -af�sL /sd_ 89,090=91

2211== ssdd{{rrff//LL lljjbbff ttyyff ppkkbbffgg jjffkkttssff]] JJoojj::yyff MM

o; cf= j= sf] sd{rf/L ljbf jfktsf] z'? df}hbft ?=4,529,974 ePsf]df o; cf= j= df ?= 1,115,327 gub e'QmfgL ul/Psf] ;fy} o; jif{sf] ;l~rt ljbf afkt ?=4,732,399 yk Joj:yf u/L afsL x"g cfpg] ?=8,147,046 / o; cf= j= sf] sd{rf/L k]G;g jfktsf] z"? df}hbft ?=3,724,736 ePsf]df o; cf= j= df ?=114,942 gub e'QmfgL ul/Psf] ;fy} o; jif{sf] pkbfg afkt ?=1,997,730 yk Joj:yf u/L afsL x"g cfpg] ?= 5,607,524 /snfO{ cg";"rL 4.6 cGo bfloTj cGtu{t b]vfOPsf] 5 .

@@@@== ;;DDaallGGwwtt kkIIffllaarr ssff//ff]]aaff// MM

of] ljlQo ;+:yf PgPdla a}+s ln= sf] ;xfos sDkgL xf] h;df s'n z]o/ dWo] 51 k|ltzt z]o/ :jfldTj /x]sf] 5 . o; ljlQo ;+:yfsf] PgPdla a}+s / PgPdla Soflk6n - PgPdla a}+s k"0f{ :jfldTj ePsf] sDklg_ ;+usf] sf/f]af/ lgDg adf]lhd 5g\ .

qqmm==;;== lljjjj//))ff //ssdd 1 PgPdla a}+ssf] nufgL 82,623,187 2 PgPdla a}+saf6 lnPsf] ;fkl6 600,000,000 3 PgPdla a}+snfO{ u/]sf] Aofh e"Qmflg 65,076,693 4 z]o/ /lhi6«f/sf] vr{jfkt PgPdla Soflk6nnfO{ lt/]sf] 330,790 5 PgPdla a}+sdf /x]sf df}Hbft 4,254,547 6 PgPdla a}+saf6 k|fKt u/]sf] Aofh tyf sldzg cfDbfgL 426,894

@@##== ssdd{{rrff//LL bbIIffttff cclleeaall[[44 ;;DDaaGGwwddff MM

g]kfn /fi6« a}+ssf] lgb]{zg adf]lhd ;+:yfn] cfˆgf sd{rf/Lsf] bIftf clej [l4sf nflu k|To]s jif{ s'n sd{rf/L vr{sf] Go'gtd # k|ltzt /sd ljsf; vr{df ug{' kg]{ 5 . rfn' cf j @)&%/&^ df s'n sd{rf/L bIftf clea[l4 vr{ s'n sd{rf/L vr{sf] Go'gtd # k|ltzt /sd eGbf a9L ePsf] tyf ut cf j @)&$/&% df sd{rf/L bIftf sf]ifdf /x]sf] /sd ? !!!,)#%=$! o; cf=j= df ePsf] vr{af6 ;dfof]hg ul/Psf] 5 .


48

2244== kk||::ttfflljjtt aaff]]gg;; zz]]oo// // nnffeeff++zz MM

ljQLo ;+:yfsf] ;~rfns ;ldltn] g]kfn /fi6« a}+saf6 :jLs[t ePkZrft ;fwf/0f ;efaf6 kfl/t ug{] u/L xfn sfod /x]sf] r"Qmf k"hLsf] 30 k|ltztn] x"g cfpg] /sd ?= 48,601,875 nfO{ ;l~rt gfkmf gf]S;fgaf6 af]g; z]o/sf] ?kdf ljt/0f ug{ k|:tfj u/]sf] 5 . af]g; z]o/ afkt nfUg] s/sf] c+znfO{ Joj:yf ug{ dfq ?= 2,557,993.42 gub nfef+z k|:tfj ul/Psf] 5 .

2255==ljQLo ;+:yfsf]] cGt/ zfvf lx;fa ?= 5,000 ,cGt/ zfvf sf/f]af/sf] Aofh /sd ? 15,534 n] ldnfg ePsf] 5}g / cGt/ a}+s lx;fa ldnfg x"g af+sL /sd /x]sf] 5}g .

@@^̂== sfo{sf/L k|d['v tyf pRr sfo{sfo{0fL txsf sd{rf/L nfO{ o; cf=j= df e'Qmfg ul/Psf] kfl/>lds, eQf tyf ;'ljwfsf] /sd M

qqmm==;;== ggffdd yy// kkbb ttnnjj eeQQff ccffjjff;; ;;''lljjwwff

hhDDddff ss}}llkkmmoott

!= >L kmlgnfn rf}w/L k|d'v sfo{sf/L clws[t 1,164,000 83,334 1,247,334 2075 d+l;/ 25 ut] ;Dd sfo{/t

@= >L d'/nL k|;fb nD;fn k|d'v sfo{sf/L clws[t 1,133,000 75,000 1,208,000 2075 kmfu'g 1 ut] b]lv sfo{/t

#= >L O{Zj/ cfq]o ;xfos dxfk|aGws 439,225 0 439,225 2075 d+l;/ % ut] ;Dd sfo{/t

$= >L /fd k|;fb ld> ;xfos dxfk|aGws 922,956 0 922,956 2076 c;f]h 16 ut] b]lv sfo{/t

@@&&== kk''gg{{;;dd""xxss//00ff ttyyff kk''gg{{jjlluu{{ss//00ff (Regrouping and Reclassification):

ut jif{sf] /sdx?nfO{ cfjZostf cg';f/ k'g{;d"xs/0f tyf k'g{jlu{s/0f ul/Psf] 5 .


49


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50

Annex 4.29NMB Laghubitta Bittya Sanstha Limited

Comparison of Audited and Unaudited Financial Result as of F/Y 2075-76Rs. In '000'

S.No. Particulars As Per AuditedStatement

As Per Unaudited Statement

Reason of Variance

In Amount In % 1 Total Capital and Liabilities (1.1 to 1.7) 3,419,402 3,482,563 (63,161) (1.81)

1.1 Paid-up Capital 210,608 162,006 48,602 30.00 Provision for bonus share. 1.2 Reserve and Surplus 95,578 143,309 (47,731) (33.31) Appropriation of Profit. 1.3 Debenture and Bond - - 1.4 Borrowings 1,960,240 1,960,216 24 0.00 Due to adjustment entries of Interest Expense 1.5 Deposits (a+b) 1,082,721 1,082,721 - -

a. Domestic Currency 1,082,721 1,082,721 - - b. Foreign Currency - -

1.6 Proposed Dividend 2,558 - 2,558 - Provision for dividend. 1.7 Income Tax Liability (Net) 2,672 26,135 (23,463) - Due to adjustment on Advance Tax Deposit.

1.8 Other Liabilities 65,025 108,175 (43,150) (39.89)Due to adjustment of Interest Suspense Account

seperately and due to Opening Balance of ClientProtection Fund and CSR transfered to Reserve.

2 Total Asset (2.1 to 2.7) 3,419,402 3,482,564 (63,162) (1.81)2.1 Cash and Bank Balance 300,464 300,467 (3) (0.00) Due to adjustment entries of Interest Payable 2.2 Money at Call and Short Notice - - - - 2.3 Investments 2,000 2,000 - -

2.4 Loans and advances (Net) 3,077,263 3,075,674 1,589 0.05 Due to Adjustment Entry of Loan Loss Provision beingreversed for the Loans that were insured.

2.5 Fixed Assets(Net) 25,807 25,807 - - 2.6 Non Banking Assets (Net) - - - -

2.7 Other Assets 13,868 78,616 (64,748) (82.36) Due to adjustment of advance tax and InterestSuspense Account

3 Profit and Loss Account - - 3.1 Interest Income 468,569 468,565 4 0.00 Due to adjustment entry for Interest Income 3.2 Interest Expense 261,093 261,069 24 0.01 Due to adjustment entries of Interest Expense

A. Net Interest Income (3.1-3.2) 207,476 207,496 (20) (0.01)

3.3 Commission and Other Operating Income 92,842 94,002 (1,160) (1.23) Due to adjustment entry for TDS receivable booked asincome as te net value was accounted.

3.4 Foreign Exchange Gain/Loss (Net) - - - - B. Total Operating Income (A+3.3+3.4+3.5) 300,318 301,498 (1,180) (0.39)

3.5 Staff Expenses 136,286 136,286 - -

3.6 Other Operating Expenses 59,583 58,949 634 1.08 Due to adjustment entry for premuim paid for thesecured Loan.

C. Operating Profit Before Provision (B-3.6-3.7) 104,449 106,263 (1,814) (1.71)3.7 Provision for Possible Losses 102,327 11,372 90,955 799.82 Separate disclosure of write back of LLP

D. Operating Profit (C-3.8) 2,122 94,891 (92,769) (97.76)3.8 Non Operating Income/Expenses (Net) 939 939 - - 3.9 Write Back of Provision for Possible Loss 92,544 - 92,544 - Separate disclosure of write back of LLP

E. Profit From Regular Activities (D+3.9+3.10) 95,606 95,830 (224) (0.23)3.10 Extraordinary Income/Expenses (Net) - - - -

F. Profit Before Bonus and Taxes (E+3.11) 95,606 95,830 (224) (0.23)3.11 Provision for Staff Bonus 9,561 8,712 849 9.75 Due to change in profit 3.12 Provision for Tax 26,000 26,135 (135) (0.52) Due to change in profit

G. Net Profit/Loss (F-3.12-3.13) 60,045 60,983 (938) (1.54) -

Variance


51

PgPdla n3'ljQ ljQLo ;+:yf lnld6]8sf]k|aGwkqdf k|:tfljt ;+zf]wg ;DaGwL tLg dxn] ljj/0f

-ljz]if k|:tfjx?;Fu ;DalGwt_

qm= ;= ;fljssf] Joj:yf k|:tfljt ;+zf]wg ;+zf]wg ug'{kg]{ sf/0f

! bkmf ^=ljQLo ;+:yfsf] k"FhLsf] ;+/rgf MljQLo ;+:yfsf] k"FhLsf] ;+/rgf b]xfo adf]lhd x'g]5 M-v_ ljQLo ;+:yfsf] hf/L k"FhL ?=$),%),!%,^@%.– -rfln; s/f]8 krf; nfv kGb| xhf/ 5 ;o kRrL; x'g]5 . ;f] k"FhLnfO{ k|lt z]o/ ?=!)) b/sf] $),%),!%^=@%-rfln; nfv krf; xhf/ Ps ;o 5kGg bzdnj b'O{ kfFr_ yfg ;fwf/0f z]o/df ljefhg ul/Psf] 5 .

-u_ ljQLo ;+:yfsf] r'Qmf k"FhL ?=$),%),!%,^@%.– -rfln; s/f]8 krf; nfv kGb| xhf/ 5 ;o kRrL; x'g]5 . ;f] k"FhLnfO{ k|lt z]o/ ?=!)) b/sf] $),%),!%^=@% -rfln; nfv krf; xhf/ Ps ;o 5kGg bzdnj b'O{ kfFr_ yfg ;fwf/0f z]o/df ljefhg ul/Psf] 5 .

bkmf ^=ljQLo ;+:yfsf] k"FhLsf] ;+/rgf MljQLo ;+:yfsf] k"FhLsf] ;+/rgf b]xfo adf]lhd x'g]5 M -v_ ljQLo ;+:yfsf] hf/L k"FhL $%,#^,!&,%)).– -k}tfnL; s/f]8 5QL; nfv ;q xQ/ kfFr ;o_ x'g]5 . ;f] k"FhLnfO{ k|lt z]o/ ?=!)) b/sf]-$%,#^,!&%.– -k}tfnL; nfv 5TtL; xhf/ Ps ;o krxQ/_ yfg ;fwf/0f z]o/df ljefhg ul/Psf] 5 .

-u_ ljQLo ;+:yfsf] r'Qmf k"FhL $%,#^,!&,%)).– -k}tfnL; s/f]8 5QL; nfv ;q xQ/ kfFr ;o_ x'g]5 . ;f] k"FhLnfO{ k|lt z]o/ ?=!)) b/sf]-$%,#^,!&%.– -k}tfnL; nfv 5TtL; xhf/ Ps ;o krxQ/_ yfg ;fwf/0f z]o/df ljefhg ul/Psf] 5 .

;+:yfn] af]g; z]o/ hf/L ug]{ k|:tfj ;fwf/0f ;efdf :jLs[ltsf nflu k]z u/L ;s]sfn] ;f]lx adf]lhd hf/L tyf r'Qmf k"FhL j[l4 ug{ cfjZos ePsfn] .


52

PgPdla n3'ljQ ljQLo ;+:yf lnld68sf]lgodfjnLdf ;+zf]wg ;DaGwL k|:tfjsf] tLg dxn] ljj/0f

qm= ;= ;fljssf] Joj:yf k|:tfljt ;+zf]wg ;+zf]wg ug'{kg]{ sf/0f

!= lgod @&= ;~rfns ;ldltsf] u7g, ;+Vof / sfo{sfn M -#_ ;~rfns ;ldltsf] sfo{sfn $ jif{sf] x'g]5 .

lgod @&= ;~rfns ;ldltsf] u7g, ;+Vof / sfo{sfn M -#_ ;~rfnssf] sfo{sfn $ aif{ x'g]5 . / lgh k'g lgo'QmL tyf dgf]lgt x'g ;Sg]5 . t/ :jtGq ;~rfns Ps sfo{sfnsf nflu dfq x'g ;Sg]5 .

a}s tyf ljQLo ;+:yf ;DaGwL P]g @)&# cg';f/ ;+zf]wg ug'{ k/]sfn] .

@= lgod @(= ;~rfnssf] lgo'QL, ;+Vof, sfo{sfn, of[Uotf tyf lgo'QmL k|ls|of ;DaGwL Aoj:yf M -!_ P]gn] Aoj:yf u/] adf]lhd /fi6« a}+sn] sfod u/]sf] Aoj;flos ljz]if1x?sf] ;'rLjf6 ;~rfns x'g of]Uo AolQm dWo]af6 P]gsf] bkmf !& pkbkmf -#_ adf]lhd ;ldltn] Ps hgf :jtGq Aoj;flos ljz]if1 ;~rfns lgo'Qm ug]{ 5 . -@_ lghsf] sfo{sfn lgodfjnLdf pNn]v eP adf]lhd a9Ldf $ aif{sf] x'g]5 / lghsf] k'g M lgo'Qm x'g ;Sg]5 .

lgod @(= :jtGq ;~rfnssf] lgo'QmL, ;+Vof, sfo{sfn, of]Uotf tyf lgo'QmL k|lj|mof ;DaGwL Aoj:yf M -!_ k|rlnt a}s tyf ljQLo ;+:yf ;DaGwL sfg'gn] Aoj:yf u/] adf]lhd g]kfn /fi6« a}+sn] tf]s] adf]lhd of]Uotf tyf cg'ej k|fKt ;~rfns x'g of]Uo ePsf] AoQmL dWo]af6 ;ldltn] Ps hgf :jtGq ;~rfns lgo'Qm ug]{ 5 . -@_ lghsf] sfo{sfn a9Ldf $ aif{sf] x'g]5 / Ps sfo{sfnsf nflu dfq lgo'Qm x'g ;Sg]5 .

a}s tyf ljQLo ;+:yf ;DaGwL P]g @)&# cg';f/ .

#= lgod #@ ;~rfns kfl/>lds eQmf / ;'ljwf ;DaGwL Aoj:yf M-!_ - v_ ;~rfns ;ldltsf] a}7sdf pkl:yt eP jfkt cWoIf / cGo ;~rfnsn] kfpg] k|lt a}7s eQf ? #,%)). / df]jfOn vr{ k|lt dlxgf ? !))). tyf kq klqsf vr{ k|lt dlxgf ? %)). ;fy} a}7sdf ;xefuL x'g] s|ddf x'g] e|d0f vr{ - oftfoft vr{ _ l6s6 tyf ljn adf]lhd jf:tljs vr{sf] cfwf/df e'QmfgL x'g] 5 .

lgod #@ ;~rfns kfl/>lds eQf / ;'ljwf ;DaGwL Aoj:yf M-!_ -v_ ;~rfns ;ldltsf] a}7sdf pkl:yt eP jfkt cWoIf / cGo ;~rfnsn] kfpg] k|lt a}7s eQf ? %,))). x'g]5 . o;sf cltl/Qm, ljn k]z ug{ gkg]{ ul/ df]jfOn vr{ k|lt dlxgf ? !,))). tyf kq klqsf vr{ k|lt dlxgf ? %)). k|bfg ul/g] 5 . ;fy} a}7sdf ;xefuL x'g] s|ddf x'g] e|d0f vr{ -oftfoft vr{ _ l6s6 tyf ljn adf]lhd jf:tljs vr{sf] cfwf/df e'QmfgL x'g] 5 .

;~rfns eQf tyf vr{ ;do cg's'n kl/dfh{g .

$= Aoj;flos ljz]if1 ;~rfns :jtGq ;~rfns g]kfn /fi6« a}saf6 hf/L lgb]{zg adf]lhd


53


54


55

g]kfn /fi6« a}+ssf] lgb]{zg pk/ Joj:yfkgsf] hjfkm

s= ;+:yfn] shf{ k|jfx ubf{ ;f] sf] ;f+jf Jofh c;'n x'g] e'QmfgL tflnsf C0fLnfO{ pknAw u/fpg] Aoa:yf ePsf] / slx st}

s'g} sf/0fj; 5'6 x'g uPsf] ePdf hfgsf/L k|fKt x'gf;fy pknAw u/fpg] Aoxf]/f cg'/f]w ub{5f} .

v= ;+:yfn] cfkm\gf ;~rfns, k|d'v sfo{sf/L clws[t tyf clws[t :t/sf sd{rf/Lx? / lghsf kl/jf/sf] gfddf /x]sf] rncrn

;DklQ / a}s tyf ljQLo ;+:yfaf6 lnPsf] C0fsf] ljj/0f cBfjlws ul/ /flv ;s]sf] / txf+af6 Ohfht k|fKt 3 ju{sf

n3'ljQ ljQLo ;+:yfx?nfO{ hf/L ul/Psf] lgb]{zgsf] cg';"lr g+= 3-^=#_ adf]lhd k|d'v sfo{sf/L clws[t / clws[t

:t/sf sd{rf/Laf6 :j3f]if0ff u/fpg] ul/Psf] Aoxf]/f hfgsf/L sf] nflu cg'/f]w ub5f} .

u= ;+:yfn] ;a} zfvfx?nfO{ kl/kq ul/ blnt,d'Qm sd}of,xlnof,4G4 lkl8t,Psn dlxnf, ckfª\u tyf Ho]i7 gful/snfO{

ljkGg juf{ k|jfx ePsf] shf{df clgjfo{ ?kdf Jofhb/df ! k|ltzt ljGb'n] ;x'lnot k|bfg ug]{ Joj:yf ldnfO;s]sf] Aoxf]/f

hfgsf/L u/fpb5f}+ .

3= ;+:yfn] ;a} zfvfx?nfO{ kl/kq ul/ kf;a's,vftf aGbL z'Ns, clu|d shf{ e'QmfgL z'Ns nufotsf z'Ns lng] sfo{ aGb ug{

lgb]{zg lbO{;s]sf] Aoxf]/f hfgsf/Lsf] nflu cg'/f]w ub{5f} .

a= ;+:yfn] ldlt @)&%.!).! b]lv u|fxsx?af6 shf{ ;'/If0f sf]if tyf ;fdflhs ;'/If0fsf] gfddf z'Ns÷/sd p7fpg aGb

ul/ ;s]s]f hfgsf/L u/fpb5f} . cGo bfloTj cGt{ut u|fxs ;+/If0f sf]if lzif{sdf b]vfOPsf] /sd ? #,!*,&!,&#$. u|fxs

;+/If0f sf]ifdf /sdfGt/ ul/;s]s]f hfgsf/L u/fp+b5f} .

r= ;08«L 8]6;{ cGt{ut ljeGg /]ld6 sDkgLx?af6 ;+:yfn] kl5Nnf aif{ b]lv kfpg'kg]{ b]lvPsf] /sd ? ^,^!,^#@.!% ;DalGwt

/]ld6 sDkgLx?nfO{ kqfrf/ ul/ oyfl;3| lx;fa ldnfg ul/g] hfgsf/L u/fp+b5f} .

5= ;+:yfsf] cfGtl/s / afx|o n]vfk/LIfs tyf o; a}+ssf] :ynut lg/LIf0f tyf u}/ :ynut ;'kl/j]If0fn] cf}NofPsf yk cGo

s}lkmotx? cfufdL lbgx?df ;'wf/ ul/g] k|ltj4tf AoQm ub{5f} .


56

l6kf]6


PHOTOGALLERY

5}7f}+ jflif{s ;fwf/0f;efdf ;xefuL ;~rfns ;ldltsf kbflwsf/Lx¿

5}7f}+ jflif{s ;fwf/0f;ef pb\3f6g ub}{ cWoIfHo" 5}7f}+ jflif{s ;fwf/0f;efdf ;~rfnsx¿;Fu sd{rf/Lx¿

n3'ljQ Joj:yfkg tflnddf ;xefuL sd{rf/Lx¿


s]Gb| k|d'v uf]i7Ldf ;xefuL s]Gb| k|d'vx¿

pBdlzn tflnddf ;xefuL ;b:ox¿ ljQLo ;fIf/tf sfo{qmddf ;xefuL ;b:ox¿

/Qmbfg sfo{qmddf sd{rf/Lx¿ jflif{sf]T;jsf] cj;/df ;xof]u x:tfGt/0f sfo{qmd

;ftf}+ jflif{s k|ltj]bg cf=j= @))&%÷)&^Board of Director Management Team

Sanjib SubbaChairman

Mr. Anand PandeyCEO

Mr. Romani Pd. PathakRepresentative-NMB Bank

Mr. Govind GhimireRepresentative-NMB Bank

Mr. Dinesh DulalRepresentative-NMB Bank

Mr. Ram Prasad MishraDGM

Mr. Shesh Narayan PokhrelHead- Credit & Risk

Mr. Surya Pd. UpadhyyaHead- Credit Business

Ram Gopal ParajuliDirector

Mim Bahadur HamalDirector

Mr. Bhubaneshor FularaHead- HR and GSD

Mr. Prem prasad SubediHead – Project,CSR & client protection

Mr. Anup BhariHead – Internal Audit

Mr. Upendra GurungHead – IT

Mr. Lalit BhattaHead – Finance

Govinda BanstolaCompany Secretary


;ftf}+ jflif{s k|ltj]bg

cf=j= @)&%÷)&^

7th ANNUAL REPORT

w w w . n m b m i c r o f i n a n c e . c o mw w w . n m b m i c r o f i n a n c e . c o m

BRANCHES

HEAD OFFICE

POKHARA- 25, HEMJA, KASKITEL: 061-400427/477, FAX: 061–400428

Email: [email protected]

Code Branch Name Location1 Hemja : Branch Office Kaski,Hemja-52 Udipur : Branch Office Lamjung,Udipur-43 Manakamana : Branch Office Gorkha,Manakamana-14 Galeshwor : Branch Office Myagdi,Ghatan-65 Mainapokhari : Branch Office Dolakha,Kabre-36 Khadichaur : Branch Office Sindhulpalchok,Mankha-17 Betrawati : Branch Office Rasuwa,Laharepauwa-18 Dhunche : Branch Office Rasuwa,Dhunche-59 Jomsom : Branch Office Mustang,Jomsom-510 Chame : Branch Office Manang,Chame-811 Salleri : Branch Office Solukhumbu,Salleri-512 Pumdibhumdi : Branch Office Kaski,Pumdibhumdi-113 Bharatpokhari : Branch Office Kaski,Bharatpokhari-314 Taplejung : Branch Office Taplejung,Fungling-515 Gyadi : Branch Office Parbat,Katuwachaupari-816 Nayapool : Branch Office Kaski,Salyan-817 Gangate : Branch Office Nuwakot,Jilling-318 Kharanitar : Branch Office Nuwakot,Narjamandap-219 Chhahare : Branch Office Nuwakot,Thansingh-120 Melamchi : Branch Office Sindhulpalchok,Shikharpur-321 Singati : Branch Office Dolakha,Laduk-822 Manthali : Branch Office Ramechhap,Khimtibesi-223 Kahun : Branch Office Kaski,Kahun-124 Bhachek : Branch Office Gorkha,Muchhok-825 Chautara : Branch Office Sindhulpalchok,Sangachowk-426 Mamling : Branch Office Sankhuwasabha,Mamling-527 Devitar : Branch Office Ramechhap,Phulasi-128 Tumlingtar : Branch Office Sankhuwasabha,Khandbari-1329 Bhojpur : Branch Office Bhojpur,Bhojpur Municipality-730 Diktel : Branch Office Khotang,Diktel Municipality-131 Haleshi : Branch Office Khotang,Mahadevasthan-432 Okhaldhunga : Branch Office Okhaldhunga,Siddhicharan Municipality-433 Musikot : Branch Office Rukum,Musikot Municipality-134 Chaurjahari : Branch Office Rukum,Chaurjahari-235 Satrasaya : Branch Office Tanahu,Anbukhaireni-136 Kumpur : Branch Office Dhading,Kumpur-337 Nalang : Branch Office Dhading,Kumpur-738 Jirikhimti : Branch Office Terhathum,Jirikhimti-1039 Danabari : Branch Office Ilam,Danabari-140 Ranke : Branch Office Ilam,Chamaita-141 Gopetar : Branch Office Panchthar,Panchami-142 Aathrai : Branch Office Terhathum,Sankrantibazar-143 Tinghare : Branch Office Ilam,Suryodaya-244 Biblyate : Branch Office Ilam,Barbote-145 Debrebas : Branch Office Dhankuta,Dhankuta Municipality-446 Sidhuwa : Branch Office Dhankuta,Parewadin-147 Bhedetar : Branch Office Dhankuta,Vedetar-148 Khairenitar : Branch Office Tanahu,Suklagandaki-1049 Taalghare : Branch Office Tanahu,Byas Municipality-150 Rambazar : Branch Office Lamjung,Karaputar-06

Code Branch Name Location51 Darbang : Sub-Branch Office Myagdi,Darwang-652 Ghara : Sub-Branch Office Myagdi,Dana-653 Kholagaun : Sub-Branch Office Rukum,Kholagaun-1154 Jhulneta : Sub-Branch Office Rukum,Jhula-455 Muktinath : Sub-Branch Office Mustang,Muktinath-156 Lalpur : Branch Office Kanchanpur,Krishnapur-757 Sadepani : Branch Office Kailali,Sadepani-658 Kanchanpur : Branch Office Bardiya,Thakudwara-359 Bankatawa : Branch Office Banke,Banakatawa-560 Jahare : Branch Office Surkhet,Jarbuta-961 Gadhawa : Branch Office Dang,Gadhawa-662 Odari : Branch Office Kapilbastu,Banganga-1163 Waling : Branch Office Syangja,Waling Municipality-164 Sarai : Branch Office Palpa,Masyam-165 Amuwa : Branch Office Rupandehi,Amuwa-166 Arunkhola : Branch Office Nawalparasi,Amarapuri-167 Kholesimal : Branch Office Chitawan,Ayodhyapuri-168 Salakpur : Branch Office Morang,Sundarpur-769 Labipur : Branch Office Sunsari,Ramganjsenuwari-370 Motigadha : Branch Office Udayapur,Trijuga Municipality-0371 Padariya : Branch Office Siraha,Lahan Municipality-1272 Bhiman : Branch Office Sindhuli,Kamalamai Municipality-1173 Dhalkebar : Branch Office Dhanusa,Dhalkebar-574 Gauridada : Branch Office Mahottari,Bardibas-175 Kadmaha : Branch Office Saptari,Sankarpura-476 Shantibazar: Branch Office Bardiya,Gulariya Municipality-377 Sattibazar: Branch Office Kailali,Tikapur Municipality-778 Chandanidodhara: Branch Office Kanchanpur,Mahendranagar Municipality-679 Gokuleshwor: Branch Office Baitadi,Dilasaini-680 Darchula: Branch Office Darchula,Malikarjun-581 Chainpur: Branch Office Bajhang,Chainpur-982 Sinja: Branch Office Jumla,Narakot-383 Dullu: Branch Office Dailekh,Dullu-484 Samserganj: Branch Office Banke,Samserganj-885 Bahuni : Branch Office Morang,Belbari-886 Puspalal Chowk : Branch Office Morang,Budhanagar-0187 Aurabani : Branch Office Sunsari,Gautampur-0288 Madhuban : Branch Office Sunsari,Bharaul-0289 Birendra Bazaar : Branch Office Saptari,Sambhunath-0690 Bishnupura : Branch Office Siraha,Bishnupurpra.Ma.-0191 Tarapatti : Branch Office Dhanusa,Mithileswornikas-792 Loharpatti : Branch Office Sarlahi,Kisanpur-693 Ishwarpur : Branch Office Sarlahi,Ishworpur-694 Birtachowk : Branch Office Rautahat,Garudabairiya-895 Dumarbona : Branch Office Bara,Jitpurbhawanipur-1596 Bariyarpur : Branch Office Bara,Gadhahal-297 Manawa Bazaar : Branch Office Parsa,Parsaunibirta-198 Bijauri : Branch Office Dang,Tulsipur Municipality-1999 Sotang : Branch Office Solukhumbu,Sotang-5100 Suryapura : Branch Office Rupandehi,Suryapura-6

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