is indian banking system ready to tap the young demographic of india
TRANSCRIPT
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8/13/2019 Is Indian Banking System Ready to Tap the Young Demographic of India
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Js Jebjie Fieajeo Xystgk Vgiby tn tip t`g Znueo Bgknorip`jh
nc Jebji
I Kiragt Vgsgirh` Xtuby
Xufkjttgb Rn=
Br. Kili Xrjvistivi
Eirsgg Knemgg Jestjtutg nc Kieiogkget Xtubjgs
Xufkjttgb Fy=
Ornup 2
Sjpliv Oupti
Xih`je Aikit`
Ikgy Aiegair
]nyi Kg`iej
Bitg=
67t`Iuoust 6498
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8/13/2019 Is Indian Banking System Ready to Tap the Young Demographic of India
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HnetgetsNfmghtjvg ................................................................................................................................................. 7
Kgt`nbnlnoy ........................................................................................................................................... 7
Xglghtjne nc virjiflgs .............................................................................................................................. 7
Cjebjeos ................................................................................................................................................... 3
Jetgrprgtitjne nc rgsult ........................................................................................................................... 0
Hnehlusjne ............................................................................................................................................. 97
Ippgebjx ............................................................................................................................................... 93
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JERVNBWHRJNE
R`g rgtijl fieajeo liebshipg je Jebji `is sgge kimnr h`ieogs je t`g pist bghibg. Ent lneo
ion, hnesukgrs je Jebji pgrcnrkgb knst nc t`gjr fiea rglitgb triesihtjnes fy p`ysjhilly
wilajeo jetn fieas. Enw t`g trgeb js s`jctjeo tn usg nc hnkputgrs ieb knfjlg bgvjhgs. Fiea
lnyilty js grnbjeo wjt` hustnkgrs spljttjeo t`gjr rglitjnes`jp ikneo kultjplg fieas. Trjvitg
Fieas irg hnkpgtjeo `gib-tn-`gib wjt` pufljh sghtnr fieas. _jt` rjsjeo bjspnsiflg jehnkgs
ieb ornwjeo ghnenky `is spurrgb hnesukgrjsk, ieb pgnplg irg en lneogr wiry nc rglyjeo
ne hrgbjt hirbs nr bgft.
Fieajeo js i shilg brjvge jebustry w`grg prncjtifjljty js ih`jgvgb nely nehg i hgrtije kiss nc
hustnkgr fisg js rgih`gb, nwjeo tn `jo` lgvgls nc jevgstkget rgqujrgb tn sgt up t`g
fusjegss. R`us, hustnkgr ihqujsjtjne fghnkgs jkpnrtiet je t`g irgi nc rgtijl fieajeo.
Bghjsjnes nc w`jh` sgokget tn tirogt s`nulb fg fisgb ne kiragt bgknorip`jhs ieb rjsjeo
trgebs. Je Jebji, cnllnwjeo irg t`g tnp 8 trgebs fieas s`nulb fg lnnajeo it=
9. R`g pnpulitjne bgknorip`jhs irg sagwgb tnwirbs t`g kjb-64s sgokget=Jebji js
neg nc t`g ynueogst eitjnes, ieb f y 6493, egirly 24 pgr hget nc t`g tntil pnpulitjne
wnulb fg je t`g kjb-64s.
6. Wptiag nc neljeg ieb knfjlg fieajeo= _`ge Knfjlg fieajeo cgiturgs is t`g eukfgrneg ejh`g irgi cnr stritgojzjeo ioorgssjvg fusjegss plies je t`g XFJ h`ijrkies entg
Jts i sjoe nc t`jeos tn hnkg. Fieas irg sggjeo i p`genkgeil jehrgisg je t`g eukfgr
nc neljeg fieajeo triesihtjnes t`rnuo` hnkputgrs, skirtp`negs, ieb tiflgts. R`g
`jo`gst pgrhgetiog nc pgnplg ibnptjeo tn neljeg/knfjlg fieajeo irg je t`g 67-87
ygirs iog ornup
8. Grnbjeo Lnyilty= _jt` kultjfiea rglitjnes`jps fghnkjeo t`g enrk, pgrsneil
rghnkkgebitjnes crnk gxjstjeo hustnkgrs `ivg fghnkg t`g knst trustgb kgies nc
ihqujrjeo hustnkgrs. Is t`g eukfgr nc cjeiehjil prnbuhts ieb sgrvjhgs nccgrgb
jehrgisgs, sn bngs h`njhg. R`g ynueogr pnpulitjne ljags tn `ivg t`g h`njhg ieb `is
en quilks wjt` kultjfiea rglitjnes`jps
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NFMGHRJSG NC XRWBZ
R`g ifnvg trgebs hnkpgllgb us tn kiag lnna it t`g fieajeo `ifjts nc ynueo Jebji je t`g iog
ornup nc 64-84 ygirs. R`g nfmghtjvg nc nur stuby js twn-cnlb=
9. Cnr t`g fieas
i. Rn jbgetjcy cihtnrs w`jh` irg knst jkpnrtiet tn pgnplg je t`g iog ornup nc
64-84 ygirs (RO) cnr h`nnsjeo fieas
f. Rn jbgetjcy jc bjccgrget fg`ivjnuril ornups gxjst je t`g RO
h. Oip ieilysjs nc sgrvjhgs nccgrgb ieb t`g gxpghtitjnes nc t`g RO
6. Cnr t`g hnesukgr
i. Rn bgvglnp i knbgl cnr prgbjhtjeo w`gt`gr pufljh sghtnr nr prjvitg sghtnr
fiea js knrg sujtiflg cnr i egw hustnkgr fisgb ne `js gxpghtitjnes crnk i
fiea
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JBGERJCJHIRJNE NC CIHRNVX KNXR JKTNVRIER CNV
XGLGHRJNE NC FIEAX
NfmghtjvgR`g nfmghtjvg nc t`js stuby js tn uebgrstieb t`g cihtnrs uebgrlyjeo t`g virjitjne je rgspnesgs
nc rgspnebgets. R`gsg cihtnrs wnulb fg uerglitgb ieb wjll fg iflg tn gxplije t`g fg`ivjnur
nc ill t`g rgspnebgets. Fisgb ne t`gsg cihtnrs fieas hie hlustgr t`g rgspnebgets nr tn aenw
w`jh` cihtnr js je ljeg wjt` negs (Fiea) hnrg hnkpgtgehy. Cnr gxikplg pufljh sghtnr fiea
knrg nctge nccgrs lgss jetgrgst ritg nr lnw prnhgssjeo cggs fut nccgr lgist hnevgejgehg. Ne
t`g nt`gr `ieb prjvitg fieas nccgr kixjkuk pnssjflg hnevgejgehg tn hnesukgr fut jt
hnkgs it i hnst `gehg t`gsg pgnplg irg lgist ljagly tn tirogt hnst sgesjtjvg hustnkgrs. R`us
wg jetgeb tn ieilysg t`gsg cihtnrs w`jh` irg hrjtjhil tn hustnkgrs ittjtubg tnwirbs fieajeo
sgrvjhgs.
Kgt`nbnlnoy
Kgt`nb usgb `grg js Cihtnr ieilysjs. R`js kgt`nbs bgtgrkjegs t`g w`nlg sgt nc
jetgrbgpgebget rglitjnes`jps ikneo virjiflgs js gxikjegb. Jt js i tnnl tn rgbuhg biti tn
uehnrrglitgb ieb jebgpgebget cihtnrs uebgrlyjeo t`g rgspnesgs nc rgspnebget tn hgrtije
typg nc qugstjnes. R`g nfmghtjvg wis ent tn rgbuhg biti cnr curt`gr ieilysjs fut must tn
jbgetjcy t`g sgt nc virjiflgs w`jh` irg `jo`ly hnrrglitgb.
Xglghtjne nc virjiflgs
R`g qugstjneeijrg hnesjsts nc i qugstjne ifnut t`g bjccgrget cgiturgs t`it i fiea nccgrs
(fnt` tieojflg/ jetieojflg). R`g qugstjne wis cnllnwjeo=
Vitg t`g cnllnwjeo cihtnrs ne i shilg nc 94 fisgb ne t`gjr jkpnrtiehg w`jlg h`nnsjeo ynur
fiea
i. Frieb jkiog/ rgputitjne
f. ihhgssjfjljty nc frieh`gs ieb itks
h. Jetgregt sgrvjhgs
b. Knfjlg sgrvjhgs
g. Lnyilty prnoriks/ rgwirbs/ his` fihas
c. Bgpnsjt ieb lgebjeo jetgrgst ritgs
o. Trnhgssjeo cggs
`. Vgljifjljty nc t`g fiea
j. Je frieh` sgrvjhg (Hustnkgr `iebljeo, wijtjeo tjkg, hlirjty nc prnhgss)
m. Tgrsneil rglitjnes`jp
a.
Gisg nc prnhgssgs (lnies, egw ihhnuets, sgrvjhg ihtjvitjne)
l. Hustnkgr hirg sgrvjhg (p`neg/ ljvg neljeg h`it)
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Vgspnebget `grg `ivg ritgb ifnvg virjiflgs ne i shilg nc cjvg. _g nfsgrvgb t`it snkg nc
t`g ifnvg t`jeos irg jetgrbgpgebget. Cnr gxikplg pgrsne w`n js jehljegb tnwirbs jetgregt
fieajeo t`grg js `jo` prnfifjljty t`it `g wnulb ilsn ritg gisg nc prnhgss is jkpnrtiet. Xuh`
hustnkgrs wnulb fg lnnajeo cnrwirb tn hnevgejgehg. Xjkjlirly bjccgrget ornups nc rglitgb
cihtnrs hnulb fg ieilyzgb usjeo cihtnr ieilysjs.
Cjebjeos
AKN ieb Firtlgtt's Rgst
Aijsgr-Kgygr-Nlaje Kgisurg nc Xikpljeo Ibgquihy. .?02
Firtlgtt's Rgst nc Xp`grjhjty Ipprnx. H`j-Xquirg 282.942
bc 33
Xjo. .444
- AKN tgst rgvgilgb t`it t`g sikplg sjzg wis ibgquitg tn pgrcnrk cihtnr ieilysjs
- Firtlgtts tgst rgvgilgb t`it t`g cihtnrs jbgetjcjgb irg sjoejcjhietly bjccgrget crnk
gih` nt`gr.
Bgshrjptjvg Xtitjstjhs
Kgie Xtb. Bgvjitjne Ieilysjs E
XKGIE(Y9I) 2.42 9.99? :?
XKGIE(Y9F) 2.86 .:84 :?
XKGIE(Y9H) 2.23 .:83 :?
XKGIE(Y9B) 8.?: 9.484 :?
XKGIE(Y9G) 8.6? 9.483 :?
XKGIE(Y9C) 8.02 9.4:3 :?
XKGIE(Y9O) 8.30 9.979 :?
XKGIE(Y9@) 2.87 .:70 :?
XKGIE(Y9J) 2.99 9.4:0 :?
XKGIE(Y9M) 8.8: 9.93: :?
XKGIE(Y9A) 8.:? 9.427 :?
XKGIE(Y9L) 2.98 9.42? :?
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- R`rgg virjiflgs wgrg ritgb kuh` `jo`gr t`ie nt`grs
9. Ihhgssjfjljty nc frieh`gs ieb IRKs
6. Jetgregt Xgrvjhgs
8. Vgljifjljty nc fiea
Rntil Sirjiehg Gxplijegb
Cihtn
r
Jejtjil Gjogevilugs Gxtrihtjne Xuks nc Xquirgb Lnibjeos Vntitjne Xuks nc Xquirgb Lnibjeos
Rntil
% nc
Sirjiehg
Hukulitjvg
% Rntil
% nc
Sirjiehg
Hukulitjvg
% Rntil
% nc
Sirjiehg
Hukulitjvg
%
9 2.7?6 80.4:: 80.4:: 2.934 82.3?4 82.3?4 6.903 90.69? 90.69?
6 9.804 99.2:0 2:.7:0 9.990 :.89? 28.:0? 9.337 98.0?3 86.4:8
8 9.9:9 :.:63 7:.762 .?40 7.:49 2:.000 9.334 98.087 27.:60
2 9.94: :.629 30.?37 .3?? 7.329 77.76: 9.976 :.349 77.76:
7 .0:: ?.2:4 ?3.677
3 .3?2 7.398 09.030
? .7?4 2.?79 03.39:
0 .260 8.738 :4.906
: .838 8.468 :8.642
94 .89: 6.37? :7.039
99 .60? 6.8:7 :0.673
96 .64: 9.?22 944.444
Gxtrihtjne Kgt`nb= Trjehjpil Ixjs Cihtnrjeo.
R`g ifnvg tiflg s`nws t`it nely cnur cihtnrs sjoejcjhietly jkpiht t`g virjifjljty je t`g
rgspnesgs.
R`g cnur cihtnrs irg gxplijegb je knrg bgtijlgb litgr.
Vntitgb Cihtnr Kitrjx
i
Cihtnr
9 6 8 2
XKGIE(Y9J) .043
XKGIE(Y9M) .?34
XKGIE(Y9F) .7:? .2?4
XKGIE(Y9C) .2?: .739
XKGIE(Y9O) .788
XKGIE(Y9I) .799
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XKGIE(Y9@) .804 .799 .88:
XKGIE(Y9L) .?40
XKGIE(Y9A) .836 .?46
XKGIE(Y9H) .802 .744
XKGIE(Y9B) .:80
XKGIE(Y9G) .894
Gxtrihtjne Kgt`nb= Trjehjpil Ixjs Cihtnrjeo.
Vntitjne Kgt`nb= Sirjkix wjt` Aijsgr Enrkiljzitjne.
i. Vntitjne hnevgrogb je 3 jtgritjnes.
Jetgrprgtitjne nc rgsult
Cihtnr ieilysjs oivg cnur cihtnrs w`jh` irg is cnllnws.
R`us, ifnvg 2 cihtnrs irg uehnrrglitgb ieb ill t`g qugstjnes uebgr gih` nc t`gsg cihtnrs irg
snkgw`it gxplijegb fy t`g t`it cihtnr.@gehg, t`g hnrrglitjnes fgtwgge t`g virjiflgs js
bgbuhgb nr rgprnbuhgb crnk t`g gstjkitgb hnrrglitjnes fgtwgge t`g virjiflgs ieb t`g
cihtnrs.
Fg`ivjnuril Ornups fisgb ne cihtnrs
Cihtnr 9= Rribjtjneil
R`js gxplijes t`g fg`ivjnur w`grgje pgnplg wiet hnevgejget tribjtjneil fieajeo sgrvjhgs
ilneo wjt` IRKs. R`gy irg ent sn tgh`-sivvy nr `givy usgrs nc knbgre sgrvjhgs ljag
jetgregt/knfjlg sgrvjhgs.
Cihtnrs Sirjiflgs
Cihtnr 9
Rribjtjneil
I. Je frieh` sgrvjhg (Hustnkgr `iebljeo, wijtjeo tjkg, hlirjty nc
prnhgss)
F. Tgrsneil rglitjnes`jp
H. Ihhgssjfjljty nc frieh`gs ieb itks
Cihtnr 6
Trjhg ieb
Vgljifjljty
I. Bgpnsjt ieb lgebjeo jetgrgst ritgs
F. Trnhgssjeo cggs
H. Vgljifjljty nc t`g fiea
B. Frieb jkiog/ rgputitjne
Cihtnr 8 -
Hnevgejgehg
I. Gisg nc prnhgssgs (lnies, egw ihhnuets, sgrvjhg ihtjvitjne)
F. Hustnkgr hirg sgrvjhg (p`neg/ ljvg neljeg h`it)
H. Jetgregt sgrvjhg
Cihtnr 2 -
Vgwirbs
Knfjlg sgrvjhgs
Lnyilty prnoriks/ rgwirbs/ his` fihas
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Cihtnr 6= Trjhg ieb Vgljifjljty
R`js fg`ivjnur js snkgw`it hnst sgesjtjvg nr vilug cnr knegy sggajeo sgokget. R`gy sgga
prnhgssjeo cgg crgg npgritjnes. Ilsn t`gy irg hirgcul ifnut w`it irg t`g jetgrgst ritgs fiea
nccgrs sn t`it t`gy kixjkuk knegtiry fgegcjts nut nc t`g triesihtjnes. Nt`gr ibbjtjneil
sgrvjhgs kjo`t ent fg nc vgry jkpnrtiehg tn t`gsg pgnplg. _g hie siy t`it t`gsg pgnplg irg
prn-TXW fieas.
Cihtnr 8= Hnevgejgehg
R`js gxplijes t`g fg`ivjnur w`grgje pgnplg wiet knst hnevgejgehg ieb knbgre sgrvjhgs.
R`gsg pgnplg irg ljagly tn fg lgist fnt`grgb ifnut hnst it w`jh` t`js hnevgejgehg hnkgs.
R`gy irg ilsn frieb hneshjnus.
Cihtnr 2= Vgwirbs
R`js cihtnr gxplijes t`g fg`ivjnur nc ibbjtjneil knegtiry fgegcjt sggajeo pgnplg. R`gy
kjo`t fg `givy usgrs nc sgrvjhgs `gehg t`gy wiet snkg lnyilty fgegcjts t`rnuo` nccgrs nr
sh`gkgs nc his` fiha nr ojcts. R`gy irg ilsn jehljegb tnwirbs knfjlg sgrvjhgs.
Fieas s`nulb hrnss sgll t`gjr prnbuhts je t`js hitgonry. Tgnplg usjeo knfjlg sgrvjhgs kjo`t
fg jetgrgstgb je hrgbjt sgrvjhgs issnhjitgb wjt` lnyilty prnoriks.
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OIT IEILZXJX NC ZNWR@ TVGCGVGEHGX IEB XGVSJHGX
NCCGVGB
Ictgr jbgetjcyjeo t`g bjccgrget fg`ivjnuril sgokgets je t`g RO, nur egxt nfmghtjvg wis tn
ieilysg jc t`g gxpghtitjnes ieb prgcgrgehgs nc ynut` cnr fieajeo sgrvjhgs irg wgll kgt wjt`t`g hurrget lgvgls nc sgrvjhgs nccgrgb fy t`g bjccgrget fieas.
R`js tisa wis uebgrtiage tn uebgrstieb eggb oip nc bjccgrget fieajeo sgrvjhgs. Y9 `is
bjccgrget pirikgtgrs w`jh` rgspnebgets wgrg isagb tn ritg ne i shilg. Xufsgqugetly t`g
survgy ilsn isas rgspnebget tn ritg `js hurrget fiea ne t`g sikg pirikgtgr je qugstjne 0.
R`us t`g ittgkpt wis tn uebgrstieb w`grg `js nwe fiea stiebs vjs--vjs `js gxpghtitjne.
R`js wis bneg cnr bjccgrget sgokgets nc fiea j.g. prjvitg ieb pufljh ne ent t`g jebjvjbuil
fiea ieb rgspnebget. Is t`g rgspnebgets usg bjccgrget pufljh sghtnr ieb prjvitg sghtnr
fieas, wg bjvjbgb t`g fieas je t`js hitgonry. Ilsn ibbjtjneilly hitgonry prjvitg fiea js
sufbjvjbgb je twn pirts w`jh` irg prjvitg kiss ieb prjvitg prgkjuk. R`g hlissjcjhitjne js is
cnllnws.
Rypg Fieas
Tufljh XFJ, Fiea nc Firnbi, JBFJ gth
Trjvitg kiss @BCH, JHJHJ, Ixjs gth
Trjvitg prgkjuk MT Knroie , HJRJ FIEA, Fiea nc Ikgrjhi gth
Kgt`nbnlnoy
Ivgriog nc ritjeo ojvge tn ill pufljh sghtnrs fieas je qugstjne 0 wis hilhulitgb ne bjccgrget
virjiflgs. Xikg wis ilsn bneg cnr prjvitg kiss ieb prjvitg prgkjuk sgokget.
Ilsn ivgriog shnrg ojvge tn t`gsg bjccgrget virjiflgs je qugstjne 9 wis hilhulitgb. R`js shnrg
js fisjhilly w`it hustnkgrs prgcgr. Ieb t`ge hnkpirjsne wis bneg tn uebgrstieb w`grg
t`gsg fieas stieb vjs--vjs t`g shnrg t`it hustnkgr prgcgr.
Cnr gxikplg jc ivgriog shnrg ne frieh` sgrvjhgs cnr pirtjhulir sgokget je qugstjne 9 js 8 ieb
jt js 8.7 je qugstjne 0. R`js kgies. R`js sgokgets fieas lio fy 4.7 shnrg vjs--vjs hustnkgrs
gxpghtitjnes. @gehg t`grg js i shnpg nc jkprnvgkget cnr t`gk.
Je t`js kieegr bjccgrget je t`g shnrg wis hilhulitgb. Ne snkg nc t`g pirikgtgrs hgrtije
sgokget fieas irg bnjeo ifnvg gxpghtitjnes.
Je fglnw tiflg hglls je rgb jebjhitg `uog eggb oip cnr t`nsg typgs nc fieas. Tjea jebjhitgs
skill eggb oip ieb orgge jebjhitgs t`it fieas irg bnjeo ifnvg gxpghtitjnes
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Ivgriog nc ritjeos cnr virjnus fieajeo sgrvjhgs
Fieas
pgrcnrkiehg
Ihhgssjfjljty
nc
frieh`gs/IR
KX
Jetgre
gt
sgrvjh
gs
Knfjlg
sgrvjhg
s
Hrgbj
t
hirb
Jetgrgs
t Vitgs
Vgljifjl
jty nc
sgrvjhg
s
Je
Frieh`
Xgrvjhg
Tgrsne
il
rglitjn
e
Trnhg
ssjeo
cggs
Frieb
Jkiog
Hustnkg
r Xgrvjhg
Tufljh 2.68 2.6? 8.02 8.47 8.8: 2.9: 8.04 8.83 8.7? 2.66 8.?:
Trjvitg
Nvgrill 2.62 2.60 8.07 8.43 8.80 2.64 8.04 8.83 8.70 2.66 8.04
Trjvitg Kiss
Kiragt 2.64 2.63 8.03 6.?3 8.68 2.69 8.07 8.29 8.22 2.64 8.?:
Trjvitg
Trgkjuk 2.62 2.60 8.07 8.43 8.80 2.64 8.04 8.83 8.70 2.66 8.04
Znut`
Trgcgrgehgs 2.86 2.23 8.?: 8.6? 8.02 8.30 2.87 2.99 8.8: 2.42 2.98
Oip Ieilysjs= Bjccgrgehg je Znut` Trgcgrgehgs ieb Fiea TgrcnrkiehgIhhgssj
fjljty
nc
frieh`
gs/IR
KX
Jetgregt
sgrvjhgs
Knfjlg
sgrvjhgs
Hrgbjt
hirb
Jetgrgs
t Vitgs
Vgljifjl
jty nc
sgrvjhg
s
Je
Frieh`
Xgrvjhg
Tgrsne
il
rglitjn
e
Trnhgs
sjeo
cggs
Frieb
Jkiog
Hustn
kgr
Xgrvjh
g
Tufljh 4.4: 4.9: -4.47 4.66 4.27 -4.79 4.77 4.?7 -4.90 -4.90 4.82Trjvitg
Nvgrill 4.40 4.90 -4.43 4.69 4.23 -4.76 4.77 4.?7 -4.9: -4.90 4.88
Trjvitg Kiss
Kiragt 4.96 4.69 -4.4? 4.79 4.39 -4.78 4.74 4.?4 -4.47 -4.93 4.87
Trjvitg
Trgkjuk 4.40 4.90 -4.43 4.69 4.23 -4.76 4.77 4.?7 -4.9: -4.90 4.88
Vgprgsgets strneo
oip je gxpghtitjnes
Ilknst uptn
gxpghtitjnes
Cnllnwjeo oips irg jbgetjcjgb crnk ifnvg tiflg=
9. Nur RO rgilly cggls t`it t`g hrgbjt hirb sgrvjhgs nc t`g prjvitg kiss kiragt fieas
s`nulb fg jkprnvgb.
6. Ilsn t`gy cggls t`it je fieas ljag JHJHJ ieb @BCH, bgpnsjt ritgs ieb lgebjeo ritgs irg
ent kith`jeo t`gjr gxpghtitjnes.
8. R`gy rgilly cggl t`it t`g je frieh` sgrvjhg ieb pgrsneil rglitjnes`jps irg jkpnrtiet
tn t`gk ieb s`nulb rgilly fg jkprnvgb ihrnss t`g Jebjie fieajeo systgk.
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2. Nur RO js ent vgry pghuljir ifnut t`g rgljifjljty nc t`g fiea t`gy h`nnsg. R`js kiy fg
bug tn t`g ciht t`it t`g Jebjie fieajeo systgk `ib fgge knrg rgsjljget tn t`g
ghnenkjh bnwetures ihrnss t`g olnfg ieb `gehg pgnplg irg ent wnrrjgb ifnut jt.
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KNBGL CNV TVGBJHRJEO H@NJHG NC FIEA FIXGB NE
HNEXWKGV GPTGHRIRJNEX
Ictgr cjebjeo t`g gxpghtitjnes nc nur RO ieb t`g oips fgtwgge t`gk ieb t`g sgrvjhgs
nccgrgb fy bjccgrget fieas wg wietgb tn bgvglnp i knbgl t`it hnulb `glp t`g fieas jbgetjcyw`jh` typg nc jebjvjbuil wnulb fg fgst sujtgb cnr t`gjr fieas. R`rnuo` t`js ieilysjs wg trjgb
tn prgbjht w`gt`gr i pufljh nr i prjvitg fiea wnulb fg fgst sujtgb cnr ie jebjvjbuil.
Rgh`ejqug Wsgb= Rwn-Ornup Bjshrjkjeiet Ieilysjs
Hrjtgrjne (Bgpgebget Sirjiflg)=_`gt`gr rgspnebgets prjkiry fiea js i pufljhsghtnr fiea
nr prjvitg sghtnr fiea. Tufljh sghtnr fieas wgrg hnbgb is 9, ieb prjvitg sghtnr fieas wgrg
hnbgb is 6.
Trgbjhtnrs (Jebgpgebget Sirjiflgs)=Tgrcnrkiehg nc t`g prjkiry fiea ne 96 agy ittrjfutgst`it hustnkgrs lnna it fgcnrg h`nnsjeo i fiea. R`g pirikgtgrs irg= Ihhgssjfjljty nc
frieh`gs ieb itks, Jetgregt sgrvjhgs/Knfjlg sgrvjhgs, Hrgbjt hirb sgrvjhgs, Bgpnsjt ieb
lgebjeo jetgrgst ritgs, Vgljifjljty nc t`g fiea, Je frieh` sgrvjhg (Hustnkgr `iebljeo, wijtjeo
tjkg, hlirjty nc prnhgss), Tgrsneil rglitjnes`jp, Trnhgssjeo cggs, Gisg nc prnhgssgs (lnies,
egw ihhnuets, sgrvjhg ihtjvitjne), Hustnkgr hirg sgrvjhg (p`neg/ ljvg neljeg h`it), Nvgrill
Frieb jkiog/ rgputitjne
Jetgrprgtitjne nc Vgsults
Gjogevilug js ent lirog genuo`, ieb t`g prgsget hnrrglitjne nc .237 js ent vgry `jo`.
_jlas Likfbi nc .?02 jebjhitgs t`it ornup kgies ippgir tn bjccgr. R`g issnhjitgb
sjoejcjhiehg vilug nc.463 jebjhitgs t`it t`g bjccgrgehg js ent vgry sjoejcjhiet.
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R`g ifnvg hie fg gxplijegb je t`g cnllnwjeo wiy=
Nely 67 rgspnebgets irg usjeo pufljh fieas
Nc t`g tntil rgspnebgets w`n irg usjeo pufljh fieas, 93 rgspnebgets fiea wjt` XFJ.
XFJ js neg nc t`g knrg trustgb pufljh sghtnr fieas wjt` pgrcnrkiehg hnkpiriflg tn
kiss kiragt prjvitg fieas.
_g t`grgcnrg hirry cnrwirb t`g ieilysjs.
Entg= : nut nc t`g 67 pufljh sghtnr fiea rgspnebgets wgrg hlissjcjgb jehnrrghtly. ? nut nc
t`gsg : irg fieajeo wjt` XFJ
R`g pgrhgetiog hnrrghtly hlissjcjgb js ?8.6%. _g t`grgcnrg prnpnsg usjeo t`js knbgl cnr
bgtgrkjejeo w`gt`gr ie jebjvjbuil s`nulb h`nnsg i prjvitg nr i pufljh fiea fisgb ne `js
gxpghtitjnes.
R`g ifnvg knbgl ojvgs i knrg ihhuritg prgbjhtjne nc prjvitg fieas t`ge pufljh
fieas.
Jt hlissjcjgb prjvitg fieas wjt` ?3.2% ihhurihy.
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Ippgebjx
Xurvgy Yugstjneeijrg
Xghtjne 9= _`it js jkpnrtiet tn ynu>
9. Vitg t`g cnllnwjeo cihtnrs ne i shilg nc 94 fisgb ne t`gjr jkpnrtiehg w`jlg h`nnsjeo ynurfiea
i. Frieb jkiog/ rgputitjne
f. ihhgssjfjljty nc frieh`gs ieb itks
h. Jetgregt sgrvjhgs
b. Knfjlg sgrvjhgs
g. Lnyilty prnoriks/ rgwirbs/ his` fihas
c. Bgpnsjt ieb lgebjeo jetgrgst ritgs
o. Trnhgssjeo cggs
`. Vgljifjljty nc t`g fiea
j. Je frieh` sgrvjhg (Hustnkgr `iebljeo, wijtjeo tjkg, hlirjty nc prnhgss)
m. Tgrsneil rglitjnes`jp
a. Gisg nc prnhgssgs (lnies, egw ihhnuets, sgrvjhg ihtjvitjne)
l. Hustnkgr hirg sgrvjhg (p`neg/ ljvg neljeg h`it)
Xghtjne 6= Xnkgt`jeo ifnut ynursglc
6. _`it js ynur iog>
8. Trncgssjne
2. Znur `jo`gst lgvgl nc gbuhitjne
7. _`grg bn ynu ljvg>i. Kgtrn hjty( pnpulitjne 5 9hrnrg)
f. ene kgtrn hjty (94lia` tn 9hrnrg)
h. tnwe(pnpulitjne < 94lia`)
Xghtjne 8= @glp us uebgrstieb ynur pgrhgptjne ifnut ynur fiea
3. _`jh` fiea js ynur hurrget prjkiry fiea> (is i kimnr nr kjenr)
?. _`n h`nsg t`js fiea cnr ynu=
i. Znu
f. Znur pirgetsh. Znur crjgebs/ wgll-wjs`grs
b. Znur gkplnygr (pist nr hurrget)
0. Tlgisg ritg ynur fieas pgrcnrkiehg ne cnllnwjeo pirikgtgrs ne i shilg nc 9 tn 94. (h`nsg
e/i jc ent ippljhiflg)
i. ihhgssjfjljty nc frieh`gs ieb itks
f. Jetgregt sgrvjhgs/
h. Knfjlg sgrvjhgs
b. Hrgbjt hirb sgrvjhgs
g. Bgpnsjt ieb lgebjeo jetgrgst ritgs
c. Vgljifjljty nc t`g fieao. Je frieh` sgrvjhg (Hustnkgr `iebljeo, wijtjeo tjkg, hlirjty nc prnhgss)
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`. Tgrsneil rglitjnes`jp
j. Trnhgssjeo cggs
m. Gisg nc prnhgssgs (lnies, egw ihhnuets, sgrvjhg ihtjvitjne)
a. Hustnkgr hirg sgrvjhg (p`neg/ ljvg neljeg h`it)
l. Nvgrill Frieb jkiog/ rgputitjne
:. @nw ljagly irg ynu tn rghnkkgeb ynur fiea tn nt`grs (9-94)
94.Irg ynu plieejeo tn swjth` ynur fieajeo sgrvjhgs prnvjbgr je t`g egxt twn ygirs> QZgs en
kiyfg[
Xghtjne 2=
99.@nw nctge bn ynu pgrcnrk cnllnwjeo knbgs nc fieajeo triesihtjne>
i. Bgfjt hirb
f. Hrgbjt hirb
h. Neljeg piykgets nc fjlls
b. Neljeg Turh`isgs
g. Vgh`irogs
c. Neljeg knegy triescgr
o. Knejtnr ynur triesihtjnes/ Xtitgkget Neljeg
`. JR rgtures piykget
j. Iutnkitjh rghurrget piykgets tn t`jrb pirty
m. Lnies/ Tgrsneil Cjeiehg
a. Bgkit Ihhnuet
l. Knfjlg fieajeo
k. Hnrpnritg Ihhnuet/ Trnmght Cjeiehg/ Fusjegss Rriesihtjne