laxmi laghubitta bittiya sanstha ltd. nidl n3'ljq ljqlo ;+:yf ln= report-2015_16.pdf ·...

Laxmi Laghubitta Bittiya Sanstha Ltd.nIdL n3'ljQ ljQLo ;+:yf ln=

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g]kfnsf] n3'ljQ If]qdf ;Defjgfsf] ;fy–;fy} r'gf}ltx? klg ylkb} uPsf 5g . ;Defjgfx?sf] ;d'lrt pkof]u

ub}{ r'gf}ltx?sf] ;fdgf ug]{ lx;fjn] ;+:yfn] /0fgLlt th{'df u/L nfu' ub}{ nlug] 5 .

u|fxsx?sf] r]tgfsf] :t/, lghx?sf] ablnbf] rfxgf, ;]jf k|bfg ug]{ j}slNks dfWodsf] pknAwtf, ;"rgf

k|ljlwsf] ljsf; / la:tf/, k|lt:kwf{Tds jftfj/0f cflb nfO{ dWogh/ ub}{ u|fxsd'vL ;]jf / ;'ljwfx? k|bfg

ug{'kg]{ cfjZostf ePsf]n] To; tkm{ ;+:yf s[ofzLn /xg] 5 .

;"rgf k|ljlwsf] pRrtd k|of]u, dft[ ;+:yf nIdL a}+ssf] ;fv / k|flalws ;xof]u, Joj;flos Joj:yfkg /

l56f] 5l/tf] sfo{z}nL cflb o; ;+:yfsf k|lt:kwL{ nfe (Competetive advantage) sf If]qnfO{ ;d'lrt k|of]u ub}{ g]kfnsf] n3'ljQ If]qnfO{ csf]{ prfO{df k'¥ofpg xfdL k|oTgzLn 5f}+ . nIdL a}+ssf] ;xsfo{df xfd|f ;b:o

tyf cGo u|fxsx?nfO{ gljgtd ;]jf ;'ljwf k|bfg ug{] xfd|f] lg/Gt/ k|of; /xg]5 .

;+:yfsf] cfGtl/s lgoGq0f k|0ffnLnfO{ cem ;'b[9 agfpg ;~rfns ;ldlt cGt/utsf] hf]lvd Joj:yfkg

;ldlt / n]vfk/LIf0f ;ldltnfO{ cem k|efjsf/L agfpFb} nlug] 5 .

;+:yfsf] sf/f]jf/df eO{/x]sf] j[l4sf ;fy} To;n] lgDTofpg] ;+rfng hf]lvdnfO{ dWogh/ ub}{ Joj:yfkg txdf

Pp6f ;+rfng hf]lvd lgoGq0f ljefu (Operation Risk Control Unit) sf] Joj:yf ul/g] 5 . ;+:yfn] b]zsf] ljleGg 7fpFx?df ljQLo ;fIf/tf ;DaGwL sfo{qmd ;+rfng ug]{ 5 . o;sf nflu dft[ ;+:yf

nIdL a}s;+u k|fljlws tyf cGo s'/fx?df ;xsfo{ ug{]5 .

cfkm\gf] zfvf ;~hfn lj:tf/ ub}{ sf/]fjf/nfO{ ljB'tLo a}+ls+Ë dfWodjf6 ;~rfng ug{ cfjZos k|aGw ldnfO{g] 5 .

u|fxssf] dfu / cfjZostf cg';f/ shf{, jrt tyf cGo n3'ljQ ;]jfx?df cfjZos kl/dfh{g tyf yk

;]jfx?sf] lj:tf/ ul/g] 5 .

-$_ sDkgLsf] cf}Bf]lus jf Joj;flos ;DaGwMo; ljQLo ;+:yfsf] lgodgsf/L ;+:yfx? g]kfn /fi6« a}+s, g]kfn lwtf]kq af]8{, sDkgL /lhi6«f/sf] sfof{no,

g]kfn :6s PS;r]Gh ln=, l;l8P; P08 lSnol/Ë ln= nufot cGo lgsfox?;Fu ;'dw'/ ;DaGw /x]sf] 5 . o;

;+:yfsf] ;+:yfks z]o/wgL nIdL a}+ssf] cfw'lgs a}+lsË, hf]lvd Joj:yfkg Pj+d\ ;"rgf k|ljlw ;DaGwL bIftfsf]


7

;xof]u xfdLnfO{ k|fKt eO/x]sf]] 5 . ;+:yfn] /fli6«o tyf cGt/fli6«o ;+3 ;+:yf, sDkgL, JolQm tyf cGo ;/f]sf/

jfnfx?;+u ;'dw'/ Joj;flos ;DaGw /x]sf] 5 / o; ;DaGwnfO{ lg/Gt/tf lbO{g] 5 . cGt/fli6«o ;+3 ;+:yfx?

h:t} Mercy Corps Nepal, The Blueberry Hill Charitable Trust, DFID/Sakchyam Access to Finance, UNCDF/UNNATI h:tf ;+3–;+:yfx?;Fu ;DjGw :yflkt eO{ ljQLo kx'Fr (Access to Finance) clej[l4 sfo{qmddf ;xsfo{ ePsf] 5.

-%_ ;+:yfut ;fdflhs pQ/bfloTjM;+:yfn] ;fdflhs pQ/bfloTj cGt/ut ljleGg ;fdflhs sfo{x?sf] nflu ;xof]u ub}{ cfPsf] 5 . o;} sfo{qmd

cGt/ut ;+:yfsf] ;ftf}+ jif{ k|j]z u/]sf] cj;/df hf]/kf6L, sf7df8f+} cjl:yt k|ltef ljsf; tyf pTyfg s]Gb|

g]kfndf cf>Lt cgfy jfnjflnsfx?sf] nflu vfBfGg, nQf sk8f tyf sfkL snd ljt/0f u/]sf] lyof] eg]

ljleGg zfvf sfof{nox?n] cfkm\gf] If]q leqsf] dfWolds :s'ndf ljQLo ;fIf/tf sfo{qmd ;~rfng u/]sf lyP .

-^_ ;~rfns ;ldltdf ePsf] x]/km]/ / ;f]sf] sf/0fMut jif{ ;DkGg rf}yf] jflif{s ;fwf/0f ;ef kZrft ;+:yfsf] ;~rfns ;ldltdf s'g} kl/jt{g ePsf] 5}g .

-&_ sf/f]af/nfO{ c;/ kfg]{ d'Vo s'/fx?M;+:yfsf] sf/f]jf/nfO{ c;/ kfg]{ d'Vo s'/fx? b]xfo adf]lhd 5g\M

-s_ n3'ljQ If]qdf x'g] c:j:y k|lt:kwf{jf6 ;[hgf x'g] ;Defljt hf]lvdx?

-v_ Ps} JolQmn] ljleGg n3'ljQ ;+:yfx?jf6 shf{ rnfpg] k|j[ltjf6 pTkGg x'g] sl7gfO{x?

-u_ a}+s tyf ljQLo ;+:yfx?sf] t/ntfdf ;+s'rg cfpFbf o; ;+:yfn] kfpg ;Sg] ljQLo >f]tdf x'g ;Sg] sld

af6 pTkGg ;d:of

-3_ lgodgsf/L lgsfox?jf6 ;do ;dodf kl/jt{g x'g] gLlt lgodsf] sf/0fjf6 kg{ ;Sg] k|efjx?

-ª_ b'u{d :yfgdf sfo{qmd ;~rfng ug{ cfjZos e/kbf]{ k"jf{wf/ h:t} lah'nL, OG6/g]6, af6f]3f6f], ;'/Iff cflbsf]

sldn] ;[hgf x'g] sl7gfO{{x?

-r_ /fhg}lts cl:y/tf tyf nlDabf] ;+qmd0fsfnaf6 pTkGg ;d:ofx?

-*_ n]vfk/LIf0f k|ltj]bg / ;+rfns ;ldltsf] k|ltlqmofMo; k|ltj]bg ;fy ;+nUg n]vfk/LIf0f k|ltj]bg / n]vf ljj/0fx?n] ;+:yfsf] oyfy{ l:yltsf] lrq0f u/]sf] 5 .

n]vfk/LIf0f k|ltj]bgdf uDeL/ lsl;dsf] s}lkmotx? gePsf tyf ePsf s]xL s}lkmotx? klg ;'wf/ ul/ ;lsPsf] 5 .

-(_ nfef+z aFf8kmfF8 ug{ l;kmfl/; ul/Psf] /sdM;~rfns ;ldltn] o; ;fwf/0f ;efsf] nflu xsk|b z]o/ hf/L x'g'eGbf klxn]sf] r'Qmf k"+hL ? !! s/f]8sf] @!=)%

k|ltztsf b/n] ?= @,#!,%&,*(%÷ -cIf/]kL b'O{ s/f]8 Pslt; nfv ;GtfpGg xhf/ cf7 ;o kGrfgAa] dfq_ gub

nfef+; k|:tfj u/]sf] 5 . k|:tfljt nfef+; xsk|b z]o/ ;d]tnfO{ k|bfg ug]{ ;~rfns ;ldltsf] k|:tfj jdf]lhd

xsk|b z]o/ ;d]tnfO{ ;dfj]z ubf{ gub nfef+;sf] k|ltzt !)=%# k|ltzt x'g cfpF5 .

-!)_ cfGtl/s lgoGq0f k|0ffnLMcfGtl/s lgoGq0fsf] nflu ;+:yfn] laleGg k4ltx?sf] ljsf; u/]sf] 5 . sDkgLsf] ;'–;+rfng ug{ cTofjZos cfly{s

k|zf;g ljlgodfjnL, sd{rf/L ;]jf ljlgodfjnL, shf{ ckn]vg ljlgodfjnL, shf{ gLlt, ;"rgf k|ljlw gLlt,

;DkQL bfloTj Joj:yfkg gLlt, nufgL gLlt, n]vfk/LIf0f gLlt, hf]lvd Joj:yfkg gLlt nufotsf ljlgodfjnL,


8

sfo{ljlw tyf gLlt lgb]{lzsfx? cflb tof/ u/L nfu' ul/Psf 5g\ . cfGtl/s n]vfk/LIfsn] lgoldt ?kdf

cfGtl/s n]vfk/LIf0f ug]{ u/]sf] 5 .

-s_ n]vfk/LIf0f ;ldltM;+:yfdf ;~rfns >L ef]nf /fd >]i7sf] cWoIftfdf ;~rfns >L dgf]x/ /fh pk|]tL ;b:o / cfGtl/s n]vfk/LIfs

;b:o ;lrj /xg] u/L # ;b:oLo n]vfk/LIf0f ;ldlt /x]sf] 5 . cf= j= @)&@÷&# df n]vfk/LIf0f ;ldltsf] a}7s

% k6s a;]sf] lyof] .

-v_ hf]lvd Aoa:yfkg ;ldltM;~rfns >LdtL rf+bgL emf sf] ;+of]hsTjdf ;~rfns >LdtL ;ljgf pkfWofo / k|d'v ;~rfng ljefu ;b:o, /

k|d'v shf{ ljefu ;b:o ;lrj /x]sf] hf]lvd Joj:yfkg ;ldlt /x]sf] 5 . o; ;ldltdf n]vfk/LIf0f ;ldltsf

;+of]hs kb]g ;b:o x'g'x'G5 . cf= j= @)&@÷&# Dff o; ;ldltsf] a}7s % k6s a;]sf] lyof] .

-u_ sd{rf/L Aoa:yfkg / ;]jf ;'ljwf ;ldltM;~rfns >L hLjg k|sfz lnDj'sf] ;+of]hsTjdf ;~rfns >L u0f]z e§/fO{ / k|d'v ljQ ljefu ;b:o / k|d'v

;~rfng ljefu ;b:o ;lrj /x]sf] $ ;b:oLo sd{rf/L Joj:yfkg tyf ;]jf ;'ljwf ;ldlt /x]sf] 5 . cf= j=

@)&@÷&# Dff pQm ;ldltsf] a}7s ^ k6s a;]sf] lyof] . pk/f]Qm ;ldltx?sf] lqmoflzntfn] cfGtl/s lgoGq0f

k|0ffnL ;+tf]ifhgs /x]sf] b]lvPsf] 5 .

-!!_ wGojfb 1fkgMo; ;+:yfsf] p2]Zo k|fKtLsf] nflu k|ToIf Pjd\ ck|ToIf ?kdf ;xof]u k'¥ofO{ ;+:yf k|lt ljZjf; / ;b\efj /fVg' x'g],

dfu{bz{g lbg] / k|f]T;fxg lbg] ;a} u|fxs ju{, z]o/wgLx?, g]kfn /fi6« a}+s, sDkgL /lhi6«f/sf] sfo{fno, g]kfn

lwtf]kq af]8{, g]kfn :6s PS;r]Gh ln=, l;l8P; P08 lSnol/Ë ln=, nIdL Soflk6n dfs]{6 ln=, ljleGg ;+3;+:yf

nufot cGo ljleGg lgsfosf kbflwsf/Lx?, kqsf/x?, Pjd\ cGo ;Dk"0f{ z'e]R5'sx? k|lt ;~rfns ;ldltsf]

tkm{af6 xflb{s cfef/ JoQm ub{5' . b'u{d e]usf ljkGg 3/ kl/jf/df n3'ljQ ;]jf pknAw u/fpg xfdL;Fu ;xsfo{

ub}{ ;xof]u ug]{ ljb]zL bft[ lgsfox?nfO{ klg wGoafb lbg rfxG5' . o; ;+:yfnfO{ cfjZos ljQLo ;]jf nufot

cGo k|fljlws ;]jf pknAw u/fpg] ;+:yfks z]o/wgL nIdL a}+s ln= k|lt klg cfef/ AoQm ug{ rfxG5' . cfufdL

lbgdf klg ;a}af6 lg/Gt/ ;xof]usf] ck]Iff /fv]sf] 5' .

;+:yfn] cfhsf] lbg;Dd xfl;n u/]sf] pknlAwsf] nflu pNn]lvt ;+:yfx?sf] ;xof]u ;b\efjsf] ;fy–;fy} ;+:yfsf]

Joj:yfkg / o;sf sd{rf/Lx?sf] d]xgtaf6 ;Dej ePsf]n] o; cj;/df k|d'v sfo{sf/L clws[t nufot ;Dk"0f{

sd{rf/Lx?nfO{ xflb{s wGojfb lbg rfxfG5' .

wGojfb .

;~rfns ;ldltsf] tkm{jf6

cho laqmd zfx

cWoIf

@)&#÷)(÷@@

-;~rfns ;ldltsf] k|ltj]bg ;DaGwL yk ljj/0f o;};fy ;+nUg 5 ._

u0f]z e§/fO{

;~rfns


9

sDkgL P]g @)^# sf] bkmf !)( cGtu{t ;~rfns ;ldltsf] 5'§} k|ltj]bgdf pNn]v x'g' kg]{ ljj/0fx?sf afFsL a'Fbfut ljj/0fx? M

-!_ 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/ afkt /sd lkmtf{ u/]sf] eP ;f]sf] ljj/0fM 5}g .

-@_ ljut cfly{s jif{df sDkgLsf] cfwf/e"t z]o/wgLx?n] sDkgLnfO{ pknAw u/fPsf] hfgsf/LM

o; ;+:yfsf] kfFr k|ltzt jf ;f] eGbf a9L z]o/ u|x0f ug]{ cfwf/e"t z]o/wgLsf ?kdf nIdL a}+s /x]sf] 5 .

pQm ;+:yfaf6 z]o/wgLsf] ?kdf 5'§} ljz]if hfgsf/L k|fKt ePsf] 5}g .

-#_ ljut cfly{s jif{df sDkgLsf ;~rfns tyf kbflwsf/Lx?n] lnPsf] z]o/ :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/LM

ut cfly{s jif{ @)&@÷&# sf] jiff{Gtdf o; ;+:yfsf ;~rfns tyf kbflwsf/Lx?n] b]xfo adf]lhdsf]

;+:yfks÷;fwf/0f z]o/ wf/0f u/]sf 5g .

!= ;~rfns ;ldlt kbflwsf/LM

qm=;+= gfd, kb u|x0f u/]sf] s'n z]o/

!= >L cho laqmd zfx, cWoIf -k|ltlglwTj nIdL a}+s ln=_ ;~rfns ;ldltsf ;a} kbflwsf/Lx?n]

nIdL a}+sn] u|x0f u/]sf] s'n &,&),)))

lsQf z]o/sf] ;+:yfut k|ltlglwTj ug]{@= >L dgf]x/ /fh pk|]tL, ;~rfns -k|ltlglwTj nIdL a}+s ln=_

#= >LdtL rfFbgL emf, ;~rfns -k|ltlglwTj nIdL a}+s ln=_

$= >L hLjg k|sfz lnDj', ;~rfns -k|ltlglwTj nIdL a}+s ln=_

%= >L u0f]z e§/fO{, ;~rfns -k|ltlglwTj ;j{;fwf/0f z]o/wgL_ !$%

^= >LdtL ;ljgf pkfWofo, ;~rfns -k|ltlglwTj ;j{;fwf/0f z]o/wgL_ (%!

&= >L ef]nf /fd >]i7, Joj;flos ;~rfns g/x]sf]

@= Aoa:yfkg kbflwsf/LM

qm=;+= gfd, kb u|x0f u/]sf] s'n z]o/

!= >L k|sfz /fh zdf{, k|d'v sfo{sf/L clws[t !,**! lsQf

@= >L ;'Gb/ k|;fb >]i7, k|d'v ljQ÷ shf{ ljefu **) lsQf

#= >L s]zj vftL, k|d'v cfGtl/s n]vfk/LIf0f ljefu $*$ lsQf

$= >L k"0f{jf;L rf}w/L, k|d'v ;~rfng tyf k|zf;g ljefu $*$ lsQf

;~rfns ;ldltsf kbflwsf/Lx? dWo] ;+:yfut k|ltlglwTj ug]{ ;~rfnsx? tyf Joj;flos ;~rfnssf] JolQmut

gfddf s'g} z]o/ g/x]sf] t/ ;j{;fwf/0f z]o/wgLsf] k|ltlglwTj ug]{ ;~rfnsx?sf] gfddf JolQmut z]o/ /x]sf] 5 .

;~rfnsx? o; ;+:yfsf] z]o/ sf/f]af/df ;+nUg /x]sf] hfgsf/L k|fKt ePsf] 5}g . Joj:yfkgdf ;+nUg

kbflwsf/Lx?n] ;+:yfaf6 lgZsf;g ul/Psf] z]o/ vl/b ug]{ afx]s ;+:yfsf] z]o/ sf/f]af/df ;+nUg ePsf] hfgsf/L

k|fKt ePsf] 5}g .

-$_ ljut cfly{s jif{df sDkgL;+u ;DalGwt ;Demf}tfx?df s'g} ;~rfns tyf lghsf] glhssf] gft]bf/sf]

JolQmut :jfy{sf] af/]df pknAw u/fOPsf] hfgsf/Lsf] Aoxf]/fM

ljut cfly{s jif{df o; ;+:yf;Fu ;DalGwt ;Demf}tfx?df o; sDkgLsf s'g} ;~rfns tyf lghsf] glhssf]

gft]bf/sf] s'g} JolQmut :jfy{ /x]sf] 5}g .

-%_ sDkgLn] cfkm\gf] z]o/ cfkm}n] vl/b u/]sf] eP To;/L cfkm\gf] z]o/ vl/b ug'{sf] sf/0f, To:tf] z]o/sf] ;+Vof

/ cl°t d"No tyf To;/L z]o/ vl/b u/]afkt sDkgLn] e'QmfgL u/]sf] /sdM

;ldIff jif{df sDkgLn] cfkm\\gf] z]o/ cfkm} vl/b u/]sf] 5}g .


10

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

o; ;+:yfsf] cfly{s jif{ @)&@÷&# sf] s'n Joj:yfkg vr{ lgDg adf]lhd /x]sf] 5 .

sd{rf/L vr{ ?= %,@),@%,&*#÷

cGo ;+rfng vr{ ?= @,)(,@*,&^@÷

hDdf Aoj:yfkg vr{ ?= &,@(,%$,%$%÷

-&_ ;~rfns, k|aGw ;~rfns, sfo{sf/L k|d'v, sDkgLsf cfwf/e't z]o/wgL jf lghsf] glhssf gft]bf/ jf

lgh ;+nUg /x]sf] kmd{, sDkgL jf ;+ul7t ;+:yfn] sDkgLnfO{ s'g} /sd a'emfpg afFsL eP ;f] s'/fM

o; ;+:yfsf ;~rfns, k|d'v sfo{sf/L clws[t, cfwf/e't z]o/wgL / lghsf glhssf gft]bf/x? jf lgh

;+nUg /x]sf] kmd{, sDkgL jf ;+ul7t ;+:yfx?n] o; sDkgLnfO{ s'g} /sd a'emfpg afFsL /x]s]f 5}g .

-*_ ;~rfns, k|aGw ;~rfns, sfo{sf/L k|d'v tyf kbflwsf/Lx?nfO{ e'QmfgL ul/Psf] kfl/>lds, eQf tyf

;'ljwfsf] /sdM

;~rfnsx?nfO{ kfl/>ldssf] Joj:yf ul/Psf] 5}g . ;~rfns ;ldltsf ;b:ox? dWo] nIdL a}+ssf]

k|ltlglwTj ug]{ ;~rfnsx?n] a}7s eQf glng] lg0f{o u/] adf]lhd pxf+x?nfO{ cfly{s jif{ @)&@÷&# df

s'g} a}7s eQf tyf ;'ljwf k|bfg ul/Psf] 5}g . ;j{;fwf/0f z]o/wgLx?sf] k|ltlglwTj ug]{ ;~rfns tyf

Joj;flos ;~rfnsnfO{ k|lt a}7s ?= @,%)).– sf b/n] a}7s eQf k|bfg ug]{ afx]s cGo s'g} kfl/>lds

tyf ;'ljwf k|bfg ul/Psf] 5}g .

cf= j= @)&@÷&# df k|d'v sfo{sf/L clws[t tyf d"Vo kbflwsf/Lx?sf] kfl/>lds tyf eQf -jf]g; ;d]t_

jfkt b]xfo jdf]lhdsf] /sd e'Qmfg ul/Psf] lyof] .

l;=g+= kb pknJw u/fO{Psf] s'n /sd -?= xhf/df_

! k|d'v sfo{sf/L clws[t @,&^!

@ cGo k|jGwsx? #,)$(

-(_ z]o/wgLx?n] a'lemlng afFsL /x]sf] nfef+zsf] /sdM

To:tf] s'g} /sd afFsL 5}g .

-!)_ bkmf !$! adf]lhd ;DkQL vl/b jf laqmL u/]sf] s'/fsf] ljj/0fM

;+:yfnfO{ cfjZos kg]{ ;DklQx?sf] vl/b ljj/0f ;+nUg jf;nftsf] cg';"lr $=!) df pNn]v eP adf]lhd

/x]sf] 5 .

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

;+:yfsf] ;+:yfks nIdL a}+s ;+u b]xfo ad]lhdsf] sf/f]af/ /x]sf] 5 .

ljj/0f /sd ?= xhf/df

jf;nftsf ljj/0f

nIdL a}+sn] nufgL u/]sf] z]o/ k“'hL &&,))).–

nIdL a}+sdf /x]sf] lgIf]k %,%(!.–

nIdL a}+saf6 kfpg'kg]{ ––––––

nIdL a}+saf6 k|fKt shf{ (,#$,(@(.–

gfkmf÷gf]S;fg lx;fasf ljj/0f

nIdL a}+saf6 k|fKt Aofh ––––––

nIdL a}+snfO{ e'QmfgL u/]sf] Aofh !(,)&$.–

-!@_ o; P]g tyf k|rlnt sfg"g adf]lhd ;~rfns ;ldltsf] k|ltj]bgdf v'nfpg' kg]{ cGo s'g} s'/fM

5}g .


11

-!#_ lwtf]kq btf{ tyf lgisf;g lgodfjnLsf] lgod @@-!_ ;+u ;Dj4 yk ljj/0fx?M

-s_ sfg"gL sf/jfxL ;DjGwL ljj/0f

!_ ;ldIff cjlwdf ;+:yfn] jf ;+:yfsf] lj?4 s'g} d'2f bfo/ u/]sf] ePM

To:tf] s'g} d'2f bfo/ ePsf] 5}g .

@_ ;+:yfsf] ;+:yfks jf ;~rfnsn] jf ;+:yfks jf ;~rfnssf] lj?4df k|rlnt lgodsf] cj1f jf

kmf}hbf/L ck/fw u/]sf] ;DjGwdf ;+:yfn] d'2f bfo/ u/]sf] jf ePsf] ePM

To:tf] s'g} ljj/0f k|fKt gePsf] .

#_ s'g} ;+:yfks jf ;~rfns lj?4 cfly{s ck/fw u/]sf] ;DjGwdf s'g} d'2f bfo/ u/]sf] ePM

To:tf] s'g} ljj/0f k|fKt gePsf] .

-v_ ;+ul7t ;+:yfsf] z]o/ sf/f]jf/ tyf k|ultsf] ljZn]if0fM

!_ lwtf]kq jhf/df ePsf] ;+:yfsf] z]o/sf] sf/f]jf/ ;djGwdf Joj:yfkgsf] wf/0ffM

;+:yfsf] z]o/sf] jhf/ d"No / sf/f]jf/sf] lgwf{/0f g]kfn :6s PS:r]Ghsf] v'nf jhf/ k|s[ofdf lge{/

x'g] ePsf]n] Joj:yfkgsf] 5'§} wf/0ff 5}g .

@_ o; jif{sf] k|To]s q}dfl;s cjlwdf ;+:yfsf] z]o/sf] clwstd, Go"gtd, / clwstd d"Nosf ;fy}

s'n sf/f]jf/ z]o/ ;+Vof / sf/f]jf/ lbgsf] ljj/0fM

ljj/0f cflZjg d;fGt @)&@ kf}if d;fGt @)&@ r}q d;fGt @)&@ cfiff9 d;fGt @)&#

clwstd d"No !,)!) !,*@^ @,$%% #,$%)

Go"gtd d"No &&% &(( !,&&^ @,#^)

clGtd d"No (@# !,&() @,#^) #,#%)

z]o/ sf/f]jf/ ;+Vof &*! !,!)) *%) !,)!&

sf/f]jf/ lbg #( %$ %# ^#

-u_ ;d:of / r'gf}tLM

!_ cfGtl/sM

j[l4 eO{/x]sf] ;~rfng vr{

lkmN8 ;]jfsf] nflu sd{rf/Lsf] cefj

@_ jfXo

c:j:y k|lt:kwf{

shf{ bf]xf]/f]kgf

cl:y/ ;fdflhs / /fhg}lts l:ylt

#_ /0fgLltM

k|zf;lgs s'zntfdf ;'wf/ ug]{

u|fxsd'vL ;]jf ;'ljwfx?sf] ljsf; / lj:tf/ ug]{

hf]lvd Joj:yfkgsf] ;'b[l9s/0f

-3_ ;+:yfut ;'zf;gM

;+:yfn] ;+:yfut ;'zf;gnfO{ pRr dxTj lbO{ g]kfn /fi6« j}+ssf] lgb]{zg tyf cGo ;DjlGwt P]g lgodx?sf] k"0f{

kfngf ul//x]sf] 5 .


12


13


14


jf;nft

31 cfiff( 2073

k'+hL tyf bfloTj cg';"rL o; jif{ ?= ut jif{ ?=

1= z]o/ k'+hL 4=1 110,000,000 110,000,000

2= hu]*f tyf sf]ifx? 4=2 47,727,896 8,438,783

3= C)fkq tyf jG* 4=3 – –

4= ltg{ af+sL shf{ tyf ;fk^ 4=4 934,929,528 513,117,313

5= lgIf]k bfloTj 4=5 397,656,105 192,011,767

6= k|:tfljt gub nfef+; 23,157,895 526,316

7= cfos/ bfloTj – –

8= cGo bfloTj 4=6 29,597,235 15,653,747

s'n k'+hL tyf bfloTj 1,543,068,659 839,747,926

;DkQL cg';"rL o; jif{ ? ut jif{ ?

1= gub df}Hbft -l;Ssf ;d]t_ 650,820 518,331

2= g]kfn /fi^« a}+sdf /x]sf] df}Hbft 6,203,000 3,318,000

3= a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft 4=7 8,708,338 6,474,775

4= dfu tyf cNk ;"rgfdf k|fKt x'g] /sd 25,486,527 21,675,034

5= nufgL 4=8 70,868,900 70,000,000

6= shf{ ;fk^ 4=9 1,384,521,537 701,982,405

7= l:y/ ;DklQ 4=10 26,810,182 25,478,112

8= u}/ a}+lsª ;DklQ 4=11 – –

9= cGo ;DklQ 4=12 19,819,355 10,301,269

s'n ;DklQ 1,543,068,659 839,747,926

k|d'v ;"rsf+sx? k|d'v n]vf gLltx? n]vf ;DjGwL l^Kk)fLx?

;+efljt bfloTj cg';"rL 4=13 ;`rfnsx?sf] #f]if)ff cg';"rL 4=23 k'+hLsf]if tflnsf cg';"rL 4=24 hf]lvd efl/t ;DkQL ljj/)f tflnsf cg';"rL 4=24 s

cg';"rL 4=25 cg';"rL 4=26 cg';"rL 4=27

15

4=1 b]lv 4=17 ;Ddsf cg';"rLx? jf;nftsf cleGg c+u x'g\ .

zzL ;TofnDofg]lhª kf6{g/

^L=cf/=pkfWof P)* sDkgL rf^{*{ Psfp)^])^;\

dgf]x/ /fh pk|]tL rf+bgL emf hLjg k|sfz lnDa' u)f]z e§/fO{ ;ljgf pkfWofo ef]nf /fd >]i&

cho ljqmd zfx cWoIf

cfhsf] ldltsf] ;+nUg k|lta]bg cg';f/

k|sfz /fh zdf{k|d'v sfo{sf/L clws[t

;'Gb/ k|;fb >]i&k|d'v ljQ

ldltM 2073.08.03;`rfnsx?

gfkmf gf]S;fg lx;fj

>fj)f 1, 2072 b]lv cfiff( 31, 2073 ;Dd

ljj/)f cg';"rL o; jif{ ?= ut jif{ ?=

1= Aofh cfDbfgL 4=14 200,472,746 94,707,084

2 Aofh vr{ 4=15 51,321,372 24,355,502

v'b Aofh cfDbfgL 149,151,375 70,351,582

3= sldzg tyf cGo ;`rfng cfDbfgL 4=16 28,920,552 13,364,818

4= ;^xL #^a( cfDbfgL – –

s'n ;`rfng cfDbfgL 178,071,927 83,716,401

5= sd{rf/L vr{ 4=17 52,025,783 36,833,382

6= cGo ;`rfng vr{ 4=18 20,928,762 19,837,811

7= ;^xL #^j( gf]S;fg – –

;Defljt gf]S;fgL Aoj:yf cl#sf] ;`rfng d'gfkmf 105,117,382 27,045,207

8= ;Defljt gf]S;fgL Aoj:yf 4=19 9,428,201 4,158,592

;`rfng d'gfkmf 95,689,181 22,886,615

9= u}/ ;`rfng cfDbfgL÷vr{ 4=20 2,321,645 3,035,653

10= ;Defljt gf]S;fgL Aoj:yf af^ lkmtf{ 4=21 – –

lgoldt sf/f]jf/af^ ePsf] d'gfkmf 98,010,826 25,922,268

11= c;fdfGo sf/f]jf/af^ ePsf] cfDbfgL÷vr{ 4=22 – –

;Dk")f{ sf/f]jf/ ;dfj]z kl%sf] v'b d'gfkmf 98,010,826 25,922,268

12= sd{rf/L af]g; Aoj:yf 8,910,075 2,356,570

13= cfos/ Aoj:yf – –

o; jif{sf] s/ Aoj:yf 27,123,275 6,978,485

ljut jif{;Ddsf] s/ Aoj:yf – –

o; jif{sf] :yug s/ cfDbfgL÷vr{ -469,531_ 91,064

v'b gfkmf÷gf]S;fg 62,447,007 16,496,149

16


4=1 b]lv 4=17 ;Ddsf cg';"rLx? jf;nftsf cleGg c+u x'g\ .




cho ljqmd zfx cWoIf




ldltM 2073.08.03;`rfnsx?

gfkmf gf]S;fg afF*kmfF* lx;fj >fj)f 1, 2072 b]lv cfiff( 31, 2073 ;Dd

ljj/)f cg';"rL o; jif{ ?= ut jif{ ?=

cfDbfgL

1= ut jif{;Ddsf] ;+lrt d'gfkmf 4,645,763 1,975,160

2= o; jif{sf] d'gfkmf 62,447,007 16,496,149

3= ;^xL #^j( sf]if – –

hDdf 67,092,770 18,471,309

vr{

1= ut jif{;Ddsf] ;+lrt gf]S;fg – –

2= o; jif{sf] gf]S;fg – –

3= ;fwf/)f hu]*f sf]if 12,489,401 3,299,230

4= e}k/L cfpg] hu]*f – –

5= ;+:yf ljsfz sf]if – –

6= nfef+; ;lds/)f sf]if – –

7= sd{rf/L ;DaGwL hu]*fx? – –

8= k|:tfljt nfef+; 23,157,895 526,316

9= k|:tfljt af]g; z]o/ – 10,000,000

10= ljz]if hu]*f sf]if – –

11= ;^xL #^j( sf]if – –

12= k'+hL lkmtf{ hu]*f sf]if – –

13= k'+hL ;dfof]hg sf]if – –

14= u|fxs ;+/If)f sf]if 913,944 –

15=;dfof]hg – –

:yug s/ bfloTj – –

:yug s/ sf]if 283,967 –

hDdf 36,845,207 13,825,546

16= ;l`rt d'gfkmf÷ -gf]S;fg_ 30,247,563 4,645,763

17





cho ljqmd zfx cWoIf




ldltM 2073.08.03 ;`rfnsx?

OSjL^Ldf ePsf] kl/jt{g ;DaGwL ljj/)f

cf=j= 2072÷073

-?=_

ljj/)f

z]o/ k'+hL

;+lrt gf=gf]

;fwf/)f

hu]*f sf]if

k'+lhut

hu]*f

sf]if

z]o/

lk|ldod

;^xL

#^j(

sf]if

:yug s/

hu]*f

cGo

hu]*f

tyf sf]if

s'n /sd

z'? df}Hbft 1 >fj)f 2072

110,000,000

4,645,763

3,793,020

––

––

–118,438,783

;dfof]hg

––

––

––

––

–

z]o/ k'+hLdf ;dfof]hg

––

––

––

––

–

;dfof]hLt z'? Dff}Hbft

110,000,000

4,645,763

3,793,020

––

––

–118,438,783

of] cjlwsf] v'b gfkmf

62,447,007

––

––

––

62,447,007

;fwf/)f hu]*f sf]ifdf ;fl/Psf]]

–-12,489,401_12,489,401

––

––

––

k'+hL ;dfof]hg sf]if

––

––

––

––

–

k|:tfljt af]g; z]o/

––

––

––

––

–

k|:tfljt nfef+;

–-23,157,895_

––

––

––

-23,157,895_

;^xL #^a( sf]if

––

––

––

––

–

z]o/ lk|ldod

––

––

––

––

–

nufgL ;dfof]hg sf]if

––

––

––

––

–

:yug s/ hu]*f

– -283,967_

––

––

283,967

––

sN; Og P*efG;

––

––

––

––

–

u|fxs ;+/If)f sf]if

– -913,944_

––

––

–913,944

–

clGtd df}Hbft 31 c;f/ 2073

110,000,000

30,247,563

16,282,422

––

–283,967 913,944

157,727,896

18


gub k|jfx ljj/)f>fj)f 1, 2072 b]lv cfiff( 31, 2073 ;Dd

19

ljj/)f o; jif{ ?= ut jif{ ?=

s_ sf/f]jf/ ;+rfngaf^ gub k|jfx 9,905,214 -4,809,405_

1_ gub k|fKt 231,709,483 110,677,181

1=1 Aofh cfDbfgL 1=2 sldzg tyf cGo cfDbfgL 1=3 ljb]zL ljlgdo cfDbfgLaf^ cfDbfgL 1=4 ckn]lvt shf{sf] c;'nL 1=5 cGo cfDbfgL

200,467,286 28,920,552

– –

2,321,645

94,276,710 13,364,818

– –

3,035,653

2_ gub e'QmfgL 142,588,211 83,203,889

2=1 Aofh vr{ 2=2 sd{Rff/L vr{ 2=3 sfof{no ;`rfng vr{ 2=4 cfos/ e'QmfgL 2=5 cGo vr{

44,829,205 52,025,783 18,364,924 27,368,299

–

21,423,865 36,833,382 17,917,781 7,028,860

–

sfo{ut k'+hL ultljwL cl#sf] gub k|jfx 89,121,272 27,473,292

;`rfng ;DaGwL rfn' ;DklQdf sdL÷-a[l$_ -707,229,677_ -448,747,289_

1= dfu tyf cNk;"rgfdf k|fKt x"g] /sddf sdL÷-a[l$_ 2= cNksfngL nufgLdf sdL÷-a[l$_ 3= shf{df sdL÷-a[l$_ 4= cGo ;DklQdf sdL÷-a[l$_

-3,811,492_ -868,900_-691,967,332_-10,581,952_

-5,227,019_ -30,000,000_ -408,657,736_ -4,862,535_

;`rfng ;DaGwL rfn' bfloTjdf -sdL_÷a[l$ 628,013,618 416,464,592

1= lgIf]k bfloTjdf -sdL_÷a[l$ 2= ;l {lkms] ckm l*kf]lh^df -sdL_÷a[l$ 3= cNksfnLg ;fk Ldf -sdL_÷a[l$ 4= cGo bfloTjdf -sdL_÷a[l$

205,644,339 –

421,812,215 557,065

118,808,630 –

295,544,197 2,111,765

v_ nufgL sf/f]jf/af^ gub k|jfx -4,654,162_ -7,234,956_

1= bL#{sfnLg nufgLdf sdL÷-a[l$_ 2= :yL/ ;DklQdf sdL÷-a[l$_ 3= bL#{sfnLg nufgLdf Aofh cfDbfgL 4= nfef+; cfDbfgL 5= cGo

– -4,654,162_

– – –

– -7,234,956_

– – –

u_ ljQLo >f]t sf/f]jf/af^ gub k|jfx – –

1= bL#{sfnLg C)f -a)*, l*a]Gr/ cflb_ df a[l$ ÷-sdL_ 2= z]o/ k'+hL tyf z]o/ lk|ldoddf j[l$ ÷-sdL_ 3= cGo bfloTjdf a[l$ ÷-sdL_ 4= g]kfn /fi « a}+saf^ k|fKt ;x'lnot÷k"g/shf{df a[l$ ÷-sdL_

– – – –

– – – –

#_ gub tyf a}+s df}Hbftsf] ljgLdo b/df ePsf] km/saf cfDbfgL ÷vr{ ª_ o; jif{sf] ;Dk")f{ ultljwLaf^ gub k|jfx r_ gub tyf a}+sdf /x]sf] z'? df}Hbft %_ gub tyf a}+sdf /x]sf] clGtd df}Hbft

–

5,251,052 10,311,106 15,562,157

–

-12,044,361_ 22,355,467 10,311,106


cg';"rL 4=1

z]o/ k'FhL tyf :jfldTj31 cfiff( 2073


1= z]o/ k'+hL

1=1 clws[t k'+hL 400,000,000 100,000,000

s_ 4,000,000 ;fwf/)f z]o/ k|lt z]o/ ?= 100 n] 400,000,000 100,000,000

v_ ===== ggl/l*d]jn lk|km]/G; z]o/ k|lt z]o/ ?=====n]

u_ ======l/l*d]jn lk|km]/G; z]o/ k|lt z]o/ ?=====n]

1=2 hf/L k'+hL 220,000,000 100,000,000

s_ 2,200,000 ;fwf/)f z]o/ k|lt z]o/ ?=100 n] 220,000,000 100,000,000



1=3 r'Qmf k'+hL 110,000,000 100,000,000

s_ 1,100,000 ;fwf/)f z]o/ k|lt z]o/ ?=100 n] 110,000,000 100,000,000



1=4 k|:tfljt af]g; z]o/ – 10,000,000

1=5 sN; Og P*efG; – –

1=6 hDdf -1=3+1=4+1=5_ 110,000,000 110,000,000

z]o/ :jfldTj ljj/)f31 cfiff( 2073

ljj/)f o; jif{ ut aif{

k|ltzt ?= ?= k|ltzt

1=:jb]zL :jfldTj1=1 g]kfn ;/sf/1=2 s ju{sf] Ohfhtkq k|fKt ;+:yfx?1=3 cGo Ohfhtkq k|fKt ;+:yfx?1=4 cGo ;+:yfx?1=5 ;j{;fwf/)f1=6 cGo

100–

70––30

110,000,000 –

77,000,000 ––

33,000,000

110,000,000 –

77,000,000 ––

33,000,000

100–

70––30

2= a}b]lzs :jfldTj – – – –

hDdf 100 110,000,000 110,000,000 100z]o/ k'+hL tyf :jfldTj

0=5 k|ltzt jf ;f] eGbf a(L :jfldTj ePsf z]o/wgLx?sf] ljj/)f

z]o/wgLsf] gfd o; jif{

/sd ?= k|ltzt

1 nIdL a}+s lnld^]* 77,000,000 70

20


cg';"rL 4=2

hu]*f tyf sf]ifx?31 cfiff( 2073


1= ;fwf/)f hu]*f sf]if – 16,282,422 3,793,020

2= k'+hLut hu]*f sf]if – – –

s= z]o/ lk|ldod – – –

3= k'+hL lkmtf{ hu]*f sf]if – – –

4= k'+hL ;dfof]hg sf]if – – –

5= cGo hu]*f sf]if – 1,197,911 –

s= e}k/L cfpg] hu]*f – – –

v= ;+:yf ljsfz sf]if – –

u= nfef+z ;lds/)f sf]if – – –

#= ljz]if hu]*f sf]if – – –

ª= ;DkQL k'gd"{Nof+sg sf]]if – – –

r= cGo :jtGq sf]if – – –

%= nufgL ;dfof]hg sf]if – – –

h= u|fxs ;+/If)f sf]if 913,944 – –

em= :yug s/ sf]if 283,967 – –

6= ;+lrt gfkmf÷gf]S;fg – 30,247,563 4,645,763

7= ;^xL #^j( sf]if – – –

hDdf – 47,727,896 8,438,783

21


cg';"rL 4=3

C)fkq tyf aG*31 cfiff( 2073

cg';"rL 4=4

ltg{ af“sL shf{ ;fk^L31 cfiff( 2073


1= =======k|ltzt aG* C)fkq k|lt aG*÷C)fkq=====================? Nf]===================

– –

ldlt==============================df hf/L ePsf] / ldlt==============================df r'Qmf x'g]

– –

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

– –

hDdf -1+2+3_ – –


s= :jb]zL – –

1= g]kfn ;/sf/ – –

2= g]kfn /fi^« a}+s – –

3= l/kf] bfloTj – –

4= a}+s tyf ljQLo ;+:yf 934,929,528 513,117,313

5= cGo ;+ul&t ;+:yfx? – –

6= cGo – –

hDdf 934,929,528 513,117,313

v= lab]zL – –

1= a}+sx? – –

2= cGo – –

hDdf – –

hDdf -s+v_ 934,929,528 513,117,313

22


cg';"rL 4=5

lgIf]k lx;fj31 cfiff( 2073


1=Aofh ltg'{ gkg]{ vftfx? – –

1=1 ljQLo ;+:yfx? – –

1=2 cGo ;+ul&t ;+:yfx? – –

1=3 AolQmut – –

Aofh ltg'{ gkg]{ vftfx?sf] hDdf – –

2= Aofh ltg'{ kg]{ vftfx? 397,656,105 192,011,767

s art lx;fa 397,656,105 192,011,767

1=1 ;+# ;++:yfx? – –

1=2 AolQmut 391,955,149 189,333,596

1=3 cGo 5,700,956 2,678,170

v d'$lt lx;fj – –

2=1 ;+# ;+:yfx? – –

2=2 AolQmut – –

2=3 cGo – –

Aofh ltg'{ kg]{ vftfx?sf] hDdf 397,656,105 192,011,767

hDdf lgIf]k -1+2_ 397,656,105 192,011,767

23


cg';"rL 4=6

cGo bfloTj31 cfiff( 2073


1= k]G;g÷pkbfg sf]if 2,227,177 1,092,540

2= ljbf jfktsf] Aoj:yf 951,166 864,155

3= sd{rf/L ;+ro sf]if – –

4= sd{rf/L sNof)f sf]if – –

5= sd{rf/L af]g; Aoj:yf 8,910,075 2,356,570

6= lgIf]kdf e'QmfgL lbg afFsL Aofh 10,094,111 3,601,944

7= ;fk^Ldf e'QmfgL lbg afFsL Aofh – –

8= ;)*«L qm]l*^;{ 51,985 332,015

9= zfvf ldnfg lx;fj – –

10= :yug s/ bfloTj – 185,564

11= e'QmfgL lbg' kg]{ ljnx? – –

12= e'QmfgL lbg afFsL nfef+; – –

13= cGo 7,362,721 7,220,958

s= n]vfk/LIf)f z'Ns 111,500 67,457

v= /]ld^\ofG; – –

u= cGo 7,251,221 7,153,501

hDdf 29,597,235 15,653,747

24


cg';"rL 4=7

a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft31 cfiff( 2073

cg';"rL 4=8

nufgL31 cfiff( 2073

ljj/)f :jb]zL d"b|f ljb]zL d"b|f ?=df o; jif{ ?=

ut jif{ ?=

ef=? kl/jTo{ lj=d"=

hDdf

1=:jb]zL Ohfhtkq k|fKt ;+:yfx? 8,708,338 – – – 8,708,338 6,474,775

s= rNtL vftf 8,708,338 – – – 8,708,338 6,474,775

v= cGo vftf – – – – –

hDdf 8,708,338 – – – 8,708,338 6,474,775

ljj/)f p$]Zo o; jif{ ?= ut jif{ ?=

Aofkfl/s cGo

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= lab]zL C)fkq – – – –

6= :jb]zL Ohfhtkqk|fKt ;+:yf – – – –

7= lab]zL a}+s – – – –

8= ;+ul&t ;++:yfx?sf] z]o/ – – 868,900 –

9= ;+ul&t ;+:yfx?sf] l*a]Gr/ tyf a)* – – – –

10= cGo nufgL – – 70,000,000 70,000,000

s'n nufgL – – 70,868,900 70,000,000

Aoj:yf – – – –

v'b nufgL – – 70,868,900 70,000,000

25


cg';"rL 4=8 -s_

z]o/ l*a]Gr/ tyf jG*df nufgL31 cfiff( 2073

ljj/)f k/n df]n ?=

ahf/ d"No cg';f/ ?=

Aoj:yf /sd ?=

o; jif{ ?=

ut aif{ ?=

1= z]o/ nufgL 868,900 – – 868,900 –

hnljB't nufgL tyf ljsfz sDkgL ln= 868,900 – – 868,900 –

2= l*a]Gr/ tyf aG* nufgL – – – – –

s'n nufgL 868,900 – – 868,900 –

3= hf]lvd ;DaGwL Aoj:yf – – – – –

3=1 ut jif{ ;Ddsf] Aoj:yf – – – – –

3=2 o; jif{sf] yk÷#^ – – – – –

s'n Aoj:yf – – – – –

v'b nufgL 868,900 – – 868,900 –

26


cg';"rL 4=9

shf{ ;fk^ juL{s/)f / ;f]sf] nflu Aoj:yf31 cfiff( 2073

ljj/)f shf{ ;fk^ ljj/)f o; jif{ ?= ut jif{ ?=

ljldt cljldt

1= ;lqmo shf{ ;fk^ – 1,396,877,862 1,396,877,862 708,809,920

1=1 c;n shf{ – 1,396,877,862 1,396,877,862 708,809,920

2= lgliqmo shf{ ;fk^ – 4,246,630 4,246,630 347,241

2=1 sd;n – 879,378 879,378 347,241

2=2 z+sf:kb – 1,904,711 1,904,711 –

2=3 v/fj – 1,462,542 1,462,542 –

3= s'n shf{ ;fk^ -1+2_ – 1,401,124,493 1,401,124,493 709,157,161

4= shf{ gf]S;fgL Aoj:yf – 16,602,956 16,602,956 7,174,755

4=1 c;n – 13,968,214 13,968,214 7,087,945

4=2 sd;n – 219,845 219,845 86,810

4=3 z+sf:kb – 952,356 952,356 –

4=4 v/fj – 1,462,542 1,462,542 –

4=5 cltl/Qm – – – –

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

5=ut aif{ ;Ddsf] shf{ gf]S;fgL Aoj:yf – 7,174,755 7,174,755 3,016,163

5=1 c;n – 7,087,945 7,087,945 3,016,163

5=2 sd;n – 86,810 86,810 –

5=3 z+sf:kb – – – –

5=4 v/fj – – – –

5=5 cltl/Qm – – – –

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

6= o; jif{sf] gf]S;fgL Joj:yf lkmtf{ – – – –

7= o; jif{sf] yk shf{ gf]S;fgL Aoj:yf – 9,428,201 9,428,201 4,158,592

8= o; aif{df yk÷lkmtf{ – – – –

9= s'n shf{ gf]S;fgL Aoj:yf -5–6+7_ – 16,602,956 16,602,956 7,174,755

v'b shf{ -3–4_ – 1,384,521,537 1,384,521,537 701,982,405

27


cg';"rL 4=10

l:y/ ;DklQ

31 cfiff( 2073

:j nfut ;DklQ

ljj/)f

;DklQ

o; jif{ ?=

ut jif{ ?=

ejg

kl/jxg ;fwg

d]lzg/L

sfof{no

;fdfg

nLh xf]N*

;DklQ

cGo

1= k/ndf]n

s= ut aif{sf] df}Hbft

– 5,167,263

– 8,918,774 565,440

– 14,651,476

9,798,787

v= o; jif{sf] yk

– 345,505

3,346,501

79,656

– 3,771,662

4,852,689

u= o; jif{ k'gd"{Nof+sg÷k'gn]{vg

––

––

––

––

#= o; jif{sf] laqmL

––

––

––

––

ª= o; jif{sf] ckn]vg

––

––

––

––

s'n -s

+v+u

+#+ª_ k/ndf]n

– 5,512,768

– 12,265,275 645,096

– 18,423,139 14,651,476

2= x|f; s§L

––

––

––

––

s= ut jif{ ;Ddsf]

– 1,488,804

– 2,137,366

220,511

– 3,846,681

2,148,992

v= o; jif{sf]

– 559,372

– 1,560,902

115,084

– 2,235,358 1,697,689

u= x|f; s§L k'gd"{Nof+sg÷k'gn]{vg

––

––

––

––

#= x|f; s§L /sd ;dfof]hg÷lkmtf{

––

––

––

––

s'n x|f; s§L

– 2,048,176

– 3,698,268

335,595

– 6,082,039 3,846,681

3= a's Eofn'

(WD

V) -1

-2_

– 3,464,592

– 8,567,007 309,501

– 12,341,100 10,804,795

4= hUuf

––

––

––

6,994,118 6,994,118

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

––

––

––

3,005,882

3,005,882

hDdf -3

+4+5_

– 3,464,592

– 8,567,007 309,501

– 22,341,100 20,804,795

28


cg'bfg k|fKt ;DklQ

ljj/)f

;DklQ

o; jif{ ?=ut jif{ ?=

ejg

kl/jxg

;fwg

d]lzg/L

sfof{no

;fdfg

nLh xf]N*

;DklQ

cGo

1= k/ndf]n


–1,450,600

–4,254,870

––5,705,470 3,323,203

v= o; jif{sf] yk

––

– 679,100

––

679,100 2,382,267


––

––

––

––

#= o; jif{sf] laqmL

––

––

––

––


––

––

––

––

s'n -s

+v+u

+#+ª_k/ndf]n

–1,450,600

–4,933,970

––

6,384,570 5,705,470

2= x|f; sl§

––

––

––

––

s= ut jif{ ;Ddsf]

– 193,312

– 838,843

–– 1,032,154

273,371

v= o; jif{sf]

– 188,593

– 694,740

––

883,334 758,783

u= x|f; sl§ k'gd"{Nof+sg÷k'gn]{vg

––

––

––

––

#= x|f; sl§ /sd ;dfof]hg÷lkmtf{

––

––

––

––

s'n x|f; sl§

– 381,905

– 1,533,583

––

1,915,488 1,032,154

3= a's Eofn'

(WD

V) -1

-2_

–1,068,695

–3,400,387

––4,469,082 4,673,316

4= hUuf

––

––

––

––


––

––

––

––

hDdf -3

+4+5_

–1,068,695

–3,400,387

––

4,469,082 4,673,316

29


s'n ;DklQ -cg'bfg / :j nfut_

ljj/)f

;DklQ

o; jif{ ?=ut jif{ ?=

ejg

kl/jxg

;fwg

d]lzg/L

sfof{no

;fdfg

nLh xf]N*

;DklQ

cGo

1= k/ndf]n


– 6,617,863

–13,173,644 565,440

–20,356,947

13,121,990

v= o; jif{sf] yk

– 345,505

–4,025,601 79,656

– 4,450,762 7,234,956


––

––

––

––

#= o; jif{sf] laqmL

––

––

––

––


––

––

––

––

s'n -s

+v+u

+#+ª_ k/ndf]n

– 6,963,368

–17,199,245

645,096

–24,807,709 20,356,947

2= x|f; s§L

––

––

––

––

s= ut jif{ ;Ddsf]

– 1,682,116

–2,976,208 220,511

–4,878,835 2,422,364

v= o; jif{sf]

– 747,965

– 2,255,642

115,084

– 3,118,691 2,456,472

u= x|f; s§L k'gd"{Nof+sg÷k'gn]{vg

––

––

––

––

#= x|f; s§L /sd ;dfof]hg÷lkmtf{

––

––

––

––

s'n x|f; s§L

–2,430,081

– 5,231,851 335,595

– 7,997,527

4,878,835

3= a's Eofn'

(WD

V) -1

-2_

–4,533,287

–11,967,395 309,501

–16,810,182

15,478,112

4= hUuf

––

––

–– 6,994,118 6,994,118


––

––

–– 3,005,882 3,005,882

hDdf -3

+4+5_

–4,533,287

–11,967,395 309,501

–26,810,182

25,478,112

30


cg';"rL 4=11

u}/ a}+lsª ;DklQ31 cfiff( 2073

C)fL jf kf^L{sf] gfd &]ufgf u}/ a}+lsª ;DklQ ;sf/ u/]sf] ldlt

s'n u}/ a}+lsª

;DklQ /sd ?=

gf]S;fgL Aoj:yf v'b u}/ a}+lsª ;DklQ ?=

ut jif{ ?=

k|ltzt /sd

hDdf – – – – – –

31


cg';"rL 4=12

cGo ;DklQ31 cfiff( 2073


1= d;nGb df}Hbft – – – –

2= nufgLdf c;'n ug{ afsL Aofh cfDbfgL – – 1,545,792 1,540,331

3= shf{df c;'n ug{ afsL Aofh – 13,457,017 – –

Go"g M Aofh d"NtjL /sd – 13,457,017 – –

4= c;'n ug{ afsL sldzg /sd – – – –

5= ;)*«L *]A^;{ – – 14,919 569,221

6= sd{rf/L ;fk^L / k]lZs – – 13,841,735 5,211,355

7= clu|d e'QmfgL – – 237,248 225,548

8= dfu{:y gub – – – –

9= dfu{:y cGo -r]s_ – – – –

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

11= ckn]vg x'g afsL vr{ – – – –

12= zfvf ldnfg lx;fj – – – –

13= :yug s/ ;DklQ – – 283,967 –

14= cGo – – 3,895,696 2,754,814

s= VoftL – – – –

v= ckn]vg ug{ afsL ;km\^j]o/ vr{ – 1,105,514 – –

u= clu|d s/ -v'b_ 35,573,743 245,024 – –

Go"g M s/ Aoj:yf 35,328,719 – – –

#= cGo – 2,545,158 – –

hDdf – – 19,819,355 10,301,269

32


cg';"rL 4=12 -s_

cGo ;DklQ -yk ljj/)f_31 cfiff( 2073

cg';"rL 4=13

;+efljt bfloTjx?31 cfiff( 2073

ljj/)f o; jif{ ?= ut aif{ ?=

1= hdfgt - -

2= ckl/jTo{ shf{ k|ltj$tf (Irrevocable Loan Commitment) - -

3= cfos/ jfkt ;Defljt bfloTj - -

4= Acceptance ;lxt cGo ;a} k|sf/sf ;Defljt bfloTjx? - -

5= r'Qmf jf e'Qmfg x'g af+sL z]o/ nufgL - -

6= e'QmfgLsf nflu bfjL k/]sf] hdfgt - -

7= ;+:yf pk/ bfjL k/]sf] t/ ;+:yfn] bfloTj :jLsf/ gu/]sf bfloTjx? - -

hDdf - -


1 aif{ ;Dd 1 aif{ b]lv dfly 3 aif{ ;Dd

3 aif{ eGbf dfly

hDdf

1= shf{df c;'n ug{ af+sL Aofh 13,457,017 – – 13,457,017 8,272,949

2= zfvf ldnfg lx;fj – – – – –

3= Ph]G;L lx;fj – – – – –

33


cg';"rL 4=14

Aofh cfDbfgL>fj)f 1, 2072 b]lv cfiff( 31, 2073 ;Dd


s= shf{ ;fk^df 194,182,071 89,099,776

v= nufgLdf 5,138,033 4,762,261

1= g]kfn ;/sf/sf] ;'/If)fkq – –

2= g]kfn /fi^« a}+ssf] C)fkq – –

3= l*a]Gr/ tyf aG* – –

4= cGt/ a}+s nufgLdf Aofh 5,138,033 4,762,261

u= Ph]G;L df}Hbft – –

#= dfu tyf cNk ;"rgfdf k|fKt x'g] /sd 864,446 752,159

ª= cGo 288,197 92,888

1= ;l^{lkms]^ ckm l*kf]lh^ – –

2= cGt/ a}+s÷ljQLo ;+:yf shf{ ÷;fk^ – –

3= cGo 288,197 92,888

hDdf 200,472,746 94,707,084

34


cg';"rL 4=15

Aofh vr{>fj)f 1, 2072 b]lv cfiff( 31, 2073 ;Dd

cg';"rL 4=16

sldzg tyf cGo ;`rfng cfDbfgL>fj)f 1, 2072 b]lv cfiff( 31, 2073 ;Dd


1= ;]jf z'Ns 25,301,963 11,891,827

2= gjLs/)f z'Ns – –

3= O= k|f= sldzg jfkt – –

4= a§f cfDbfgL – –

5= cGo 3,618,589 1,472,991

s= cGo cfDbfgL 3,618,589 1,472,991

hDdf 28,920,552 13,364,818


s_ lgIf]k bfloTj 23,389,489 10,509,983

1= ;b:ox?sf] artdf 23,389,489 10,509,983

2= ;j{;fwf/)fsf] lgIf]kdf – –

v_ shf{ ;fk^ 27,931,882 13,845,519

1= C)f tyf aG* – –

2= g]kfn /fi^« a}+saf^ k|fKt shf{ – –

3= cGt/ a}+s÷ljQLo ;+:yf shf{ 27,931,882 13,845,519

4= cGo ;+ul&t ;+:yf – –

5= cGo shf{ – –

u_ cGo – –

1= ======== – –

2= ========= – –

hDdf 51,321,372 24,355,502

35


cg';"rL 4=17

sd{rf/L vr{>fj)f 1, 2072 b]lv cfiff( 31, 2073 ;Dd


1= tnj 22,599,193 17,242,823

2= eQf 13,470,254 9,238,905

3= ;`rosf]ifdf yk 2,013,349 1,375,478

4= tflnd vr{ 627,094 332,396

5= kf]zffs – –

6= cf}ifwf]krf/ 1,626,401 1,345,489

7= aLdf 109,506 –

8 labf jfktsf] Aoj:yf 696,228 864,155

9= k]G;g tyf pkbfg Aoj:yf 1,045,536 653,351

10= cGo 9,838,222 5,780,785

hDdf 52,025,783 36,833,382

36


cg';"rL 4=18

cGo ;`rfng vr{>fj)f 1, 2072 b]lv cfiff( 31, 2073 ;Dd


1= #/ ef*f 2= aQL lah'nL / kfgL 3= dd{t tyf ;+ef/ s= ejg v= ;jf/L ;fwg u= cGo 4= aLdf 5= kf]i^]h, ^]n]S;, ^]lnkmf]g, km\ofS; 6= sfof{no pks/)f kmlg{r/ / ;Def/ 7= e|d)f eQf / vr{ 8= d;nGb / %kfO{ 9= kqklqsf tyf k':ts 10= lj!fkg 11= sfg"gL vr{ 12= rGbf 13= ;`rfns ;ldlt ;DaGwL vr{ s= a}&s eQf v= cGo vr{ 14= ;fwf/)f ;ef ;DaGwL vr{ 15= n]vfk/LIf)f ;DaGwL vr{ s= n]vf k/LIf)f z'Ns v= cGo vr{ 16= /sd :yfgfGt/ sldzg 17= l:y/ ;DklQdf x|f; s§L 18= k"j{ ;`rfng vr{ ckn]vg 19= z]o/ lgisfzg vr{ 20= k|fljlws ;]jf ;f]wegf{ 21= dgf]/`hg vr{ 22= ckn]vg vr{ 23= ;'/Iff vr{ 24= shf{ ;'/If)f lk|ldod 25= sldzg / l*:sfpG^ 26= cGo s_ gljs/)f tyf ;b:otf v_ sDKo'^/ ;km\^j]o/ vr{ u_ ;/;kmfO{{ vr{ #_ tflnd vr{ -u|fxs÷;b:o_ ª_ sd{rf/L egf{ vr{ r_ ljljw vr{ %_ kbf{÷sfk]{^ vr{ h_ z'Ns tyf b:t'/ em_ cfGtl/s n]]vfk/LIf)f;+u ;DalGwt vr{

3,665,487 363,433 462,784

– 303,592 159,193 276,140 1,491,736 269,790

3,105,174 2,670,333 72,384 210,261

– –

110,860 102,500 8,360

141,517 113,000 113,000

– 23,420

2,235,358 –

427,600 –

281,893 –

415,840 – –

4,591,751 287,162 328,480 1,934,550 584,372 175,802 194,761 156,380 914,003 16,240

2,613,603 260,591 310,108

– 241,116 68,993 192,623

1,189,434 493,896

2,086,804 2,425,797 67,940 215,603

– 281,200 63,218 31,000 32,218 219,238 68,365 68,365

–

8,110 1,697,689

–

3,774,948 –

229,681 –

393,240 – –

3,245,723 193,230 222,341

1,222,650 114,086 92,759 159,519 118,028 552,073 571,037

s'n 20,928,762 19,837,811

37


cg';"rL 4=19

;Defljt gf]S;fgL Aoj:yf>fj)f 1, 2072 b]lv cfiff( 31, 2073 ;Dd


1= shf{ gf]S;fgL Aoj:yf ePsf] a[l$ 9,428,201 4,158,592

2= nufgL gf]S;fgLdf ePsf] a[l$ – –

3= u}/ a}+lsª ;DklQ gf]S;fgL Aoj:yf – –

4= cGo ;DklQdf ul/Psf] Aoj:yf – –

s'n 9,428,201 4,158,592

cg';"rL 4=20

u}/ ;`rfng cfDbfgL÷gf]S;fg>fj)f 1, 2072 b]lv cfiff( 31, 2073 ;Dd


1= nufgL laqmLaf^ cfDbfgL÷-gf]S;fgL_ – –

2= ;DklQ laqmLaf^ cfDbfgL÷-gf]S;fgL_ – –

3= nfef+; – –

4= cGo 2,321,645 3,035,653

s= VoftLsf] ckn]vg – –

v= cGo u}/ ;`rfng cfDbfgL 2,321,645 3,035,653

v'b u}/ ;`rfgn cfDbfgL÷-gf]S;fg_ 2,321,645 3,035,653

cg';"rL 4=21

;Deflat gf]S;fgL Aoj:yfaf^ lkmtf{cf= j= 2072÷73


1= shf{ gf]S;fgL Aoj:yfaf^ lkmtf{ – –

2= u}/ a}+lsª ;DklQ gf]S;fgL Aoj:yfaf^ lkmtf{ – –

3= nufgL Aoj:yfaf^ lkmtf{ – –

4= cGo ;DklQsf] Aoj:yfaf^ lkmtf{ – –

s'n – –

38


cg';"rL 4=22

c;fdfGo sf/f]af/x?af^ ePsf] cfDbfgL÷vr{>fj)f 1, 2072 b]lv cfiff( 31, 2073 ;Dd


1= ckn]vg ePsf] shf{sf] c;'nL - -

2= :j]lR%s cjsfz vr{ - -

3= c;'nL x'g g;Sg] shf{sf] ckn]vg -4=28 s_ - -

4= cGo vr{÷cfDbfgL - -

5= ========== - -

hDdf - -

cg';"rL 4=22 s

ckn]lvt shf{sf] ljj/)fcf=j=2072÷73

qm=; shf{sf] k|sf/

ckn]vg ul/Psf] /sd

lwtf]÷hdfgLsf] k|sf/ tyf /sd

lwtf] d'Nof+sgsf] cfwf/

shf{ :jLs[lt ug]{ clwsf/L

÷tx

shf{ c;'nLsf nflu eP u/]sf k|of;

s}lkmot

1 – - – – – – –

2 – - – – – – –

3 – - – – – – –

4 – - – – – – –

5 – - – – – – –

s'n shf{ - – – – – –

39


cg';"rL 4=23

;`rfns, sfo{sf/L k|d'v, ;+:yfks, sd{rf/L, z]o/ xf]N*/x?nfO{ uPsf] shf{ ;fk^ ljj/)f

31 cfiff( 2073

k|jflxt shf{ ;fk^sf] s'n /sd dWo] ;`rfns, sfo{sf/L k|d'v, ;+:yfks, sd{rf/L, z]o/wgLx? / lghx?sf] kl/jf/sf ;b:o jf To:tf AolQm hdfgL a;]sf] jf Dofg]lhª Ph]G^ ePsf] s'g} ;+:yf jf sDkgLnfO{ uPsf] /sdsf] ljj/)f b]xfo adf]lhd % . ?k}ofdf

;+:yfks÷;`rfns÷ sfo{sf/L k|d'vsf] gfd

ut aif{;Ddsf] af+sL o; aif{sf] c;'nL o; aif{ yk shf{

cfiff( d;fGt ;Ddsf] af+sL

;f+jf Aofh ;f+jf Aofh ;f+jf Aofh

s= ;`rfns - - - - - - -

1= - - - - - - -

2= - - - - - - -

3= - - - - - - -

1= - - - - - - -

2= - - - - - - -

u= ;+:yfks - - - - - - -

1= - - - - - - -

2= - - - - - - -

3= - - - - - - -

#= sd{rf/L - - - - - - -

1= - - - - - - -

2= - - - - - - -

3= - - - - - - -

ª= z]o/wgLx? - - - - - - -

1= - - - - - - -

2= - - - - - - -

3= - - - - - - -

hDdf - - - - - - -

40


cg';"rL 4=24

k'FhLsf]if tflnsf31 cfiff( 2073

? xhf/df


s= k|fylds k'+hL 156,530 118,439

1= r'Qmf k'+hL -;fwf/)f z]o/_2= k|:tflat af]g; z]o/3= z]o/ lk|ldod4= lkmtf{ gx'g] cu|flwsf/ z]o/5= ;fwf/)f hu]*f sf]if6= ;l`rt gfkmf÷-gf]S;fg_7= jf;nftdf b]vfOPsf] rfn' cf=j=sf] gfkmf gf]S;fg lx;fjsf] /sd8= k'+hL lkmtf{ hu]*f sf]if9= k'+hL ;dfof]hg sf]if10= sN; Og P*efG;11= cGo :jtGq sf]ifx?

110,000 –

–

– 16,282 30,248

– – – – –

100,000 10,000

– –

3,793 4,646

– – – – –

#^fpg] M

Voflt (Goodwill) jfktsf] /sd – –

;Ldf eGbf a(L z]o/, ;'/If)fkqdf nufgL ul/Psf] /sd– –

cjf:tljs ;DklQ– –

ljQLo :jfy{ /x]sf] sDkgLsf] lwtf]kqdf nufgL u/]sf] /sd– –

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|ltjGw u/]sf AolQm tyf ;d'xx?nfO{ k|bfg u/]sf] shf{ tyf ;'ljwfx?

– –

v= k"/s k'+hL 14,882 7,088

1= c;n shf{sf] nflu u/]sf] shf{ gf]S;fgL Aoj:yf2= ;DklQ k'gd{"Nof+sg sf]if3= xfOla|* k'+hL pks/)fx?4= ;'/If)f g/fv]sf] ;xfos cfjlws C)f5= cltl/Qm shf{ gf]S;fgL Aoj:yf6= nufgL ;dfof]hg sf]if7= u|fxs ;'/If)f sf]if

13,968 –

–

–

–

– 914

7,088 –

–

–

–

–

–

u= hDdf k'+hLsf]if -s+v_ 171,412 125,527

#= hf]lvd efl/t ;DklQsf] cfwf/df sfod ug'{kg]{ Go"gtd k'+hLsf]if– –

k'+hLsf]if 8 k|ltzt 122,037 65,645

k|fylds k'+hL 4 k|ltzt 61,018 32,823

k'+hLsf]if -clws÷Go"g_ 3=24 k|ltztn] 49,375 59,881

k|fylds k'+hL -clws÷Go"g_ 6=26 k|ltztn] 95,512 85,616

41


cg';"rL 4=24 s

hf]lvd efl/t ;DklQ ljj/)f tflnsf31 cfiff( 2073

? xhf/df

s_ jf;nft leqsf ;DklQx? (On-Balance Sheet Assets) ef/ o; jif{ ut jif{

/sd hf]lvd efl/t ;DklQ

/sd hf]lvd efl/t ;DklQ

gub df}Hbft 0 % 651 – 518 –

g]kfn /fi « a}+sdf /x]sf] df}Hbft 0 % 6,203 – 3,318 –

g]kfn ;/sf/sf] ;'/If)fkqdf ul/Psf] nUffgL 0 % – – – –

g]kfn /fi « a}+ssf] C)fkqdf u/]sf] nufgL 0 % – – – –

cfkm\g} d'@lt /l;bsf] lwtf]df k')f{ ;'/lIft x'g] u/L k|bfg u/]sf] d'@lt /l;b lwtf] shf{

0 % – – – –

;/sf/L ;'/If)fkqsf] lwtf]df k')f{ ;'/lIft x'g] u/L k|bfg u/]sf] shf{ 0 % – – – –

;/sf/L ;'/If)fkqsf] kfpg' kg]{ Aofh /sd (Accrued Interest ) 0 % – – – –

a}+s÷ljQLo ;+:yfx?df /x]sf] df}Hbft÷d'@lt /l;bsf] bfjL (Claim) 20 % 8,708 1,742 6,475 1,295

dfu]sf] jvt k|fKt x'g] /sd (Money at Call ) 20 % 25,487 5,097 21,675 4,335

cGt/ a}+s ÷;+:yf ;fk L 20% – – – –

z]o/ l*a]Gr/, Pad\ aG*df ePsf] nufgL 100% – – – –

cGo nufgLx? 100% 70,869 70,869 70,000 70,000

shf{, ;fk^ -s'n /sd_ 100% 1,401,124 1,401,124 709,157 709,157

l:y/ ;DklQx? 100% 26,810 26,810 25,478 25,478

kfpg' kg]{ cGo v'b Aofh /sd -s'n kfpg' kg]{ Aofh -;/sf/L

C)fkq tyf art kqsf] Aofh -Aofh d'NtjL_100% – – – –

cGo ;a} ;DklQx? -v'b clu|d s/ bflvnf afx]s_ 100% 19,819 19,819 10,301 10,301

hDdf -s_ – 1,559,672 1,525,462 846,923 820,567

v_ jf;jfn aflx/sf sf/f]jf/x? (Off-balance sheet Items) – – – – –

hdfgt 100% – – – –

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

cfo s/ jfkt ;Defljt bfloTj 100% – – – –

Acceptance ;lxt cGo ;a} k|sf/sf ;Defljt bfloTjx? 100% – – – –

r'Qmf jf e'Qmfg x'g af+sL z]o/ nufgL 100% – – – –

e'QmfgLsf] nflu bfjL k/]sf] hdfgt 200% – – – –

;+:yf pk/ bfjL k/]sf] t/ ;+:yfn] bfloTj :jLsf/ gu/]sf] bfloTjx? 200% – – – –

hDdf -v_ – – – – –

s'n hf]lvd efl/t ;DklQ hDdf -s+v_ – 1,559,672 1,525,462 846,923 820,567

42


cg';"rL 4=25

ljut 5 jif{sf kl/;'rsx?k|d'v ;'rsf+°

ljj/)f ;"rsf+° cf=j= 2068÷69

cf=j= 2069÷70

cf=j= 2070÷71

cf=j= 2071÷72

cf=j= 2072÷73

1= v'b gfkmf÷s'n cfDbfgL k|ltzt k|ltzt 2% 1% 4% 15% 27%

2= k|lt z]o/ cfDbfgL k|ltzt 0=11 0=29 1=99 15=00 56=77

3= k|lt z]o/ ahf/ d'No k|ltzt nfu' gx'g] nfu' gx'g] nfu' gx'g] 929=00 3,350=00

4= d'No cfDbfgL cg'kft (PE Ratio) cg"kft nfu' gx'g] nfu' gx'g] nfu' gx'g] 56=32 59=01

5= z]o/ k'+hLdf nfef+; -af]g; ;lxt_ k|ltzt – – – 10=53% 21=05%

6= z]o/ k'+hLdf gub nfef+; e'QmfgL k|ltzt – – – 0=53% 21=05%

7= Aofh cfDbfgL÷shf{ tyf ;fk^ k|ltzt 163=8% 15=7% 16=21% 17=66% 18=40%

8= sd{rf/L vr{÷s'n ;`rfng vr{ k|ltzt 56=2% 64=2% 63=7% 65% 71%

9= s'n lgIf]k tyf ;fk^Ldf Aofh vr{ k|ltzt 0=7% 3=2% 5=2% 4=89% 5=04%

10= ;^xL #^j( cfDbfgL÷s'n cfDbfgL k|ltzt – – – –

11= sd{rf/L af]g;÷s'n sd{rf/L vr{ k|ltzt 0=5% 0=3% 1=63% 6=40% 17=13%

12= v'b gfkmf ÷shf{ ;fk^ k|ltzt 3=5% 0=5% 1=0% 3% 6%

13= v'b gfkmf÷ s'n ;DklQ cg"kft 0=20% 0=20% 0=70% 2=66% 5=24%

14= s'n shf{÷lgIf]k k|ltzt 1223% 536% 410% 234=7% 275=2%

15= s'n ;`rfng vr{÷s'n ;DklQ k|ltzt 9=50% 10=90% 10=45% 9=13% 6=12%

16= hf]lvd efl/t ;DklQdf k'+hLsf]ifsf] kof{Kttf – – – – –

s= k|fylds k'+hL k|ltzt 341% 42% 24=76% 14=43% 10=26%

v= k"/s k'+hL k|ltzt – 1% 0=8% 0=86% 0=98%

u= s'n k'+hLsf]if k|ltzt 341% 43% 25=56% 15=30% 11=24%

17= t/ntf (CRR) cg"kft 18353=50% 187=60% 53=00% 10=04% 10=32%

18= lgliqmo shf{÷s'n shf{ k|ltzt – – – 0=05% 0=30%

19= Aofh b/ cGt/fn k|ltzt – 12=50% 10=97% 12=77% 13=37%

20= a's g] jy{ ? 70,282,016 70,481,533 102,468,950 118,438,783 157,727,896

21= s'n z]o/ ;+Vof 700,000 700,000 1,000,000 1,100,000 1,100,000

22= s'n sd{rf/L ;+Vof 11 39 90 135 163

23= cGo – – – – – –

43


n]vf ;DjGwL gLltx?

!= ;fdfGo hfgsf/LMnIdL a}+ssf] ;xfos sDkgL, nIdL n3'ljQ ljQLo ;+:yf lnld6]8 g]kfn /fi6« a}+saf6 Ohfhtkq k|fKt /fli6«o

:t/sf] n3'ljQ ljQLo ;+:yf xf] . g]kfndf afl0fHo a}+ssf] ;xfos sDkgLsf] ?kdf :yflkt of] g} klxnf] n3'ljQ

ljQLo ;+:yf xf] . @)^& d+l;/ !$ ut] :yfkgf ePsf] of] ;+:yfn] g]kfn /fi6« a}+saf6 ;~rfng :jLs[lt kfO{ @)&)

kmfNu'g @# ut] af6 sf/f]af/ ;'? u/]sf] xf] .

of] ;+:yfsf] d"Vo sfd g} n3'ljQ sf/f]af/ xf] h; cg';f/ ;d'x ;b:onfO{ ljgf lwtf] shf{ k|bfg ul/G5 . o;sf]

cltl/Qm ;+:yfn] g]kfn /fi6« a}+ssf] gLlt lgb]{zg cg';f/ lwtf] lnO{ klg shf{ k|afx ub{5 . ;+:yfn] art, n3'ladf

/ ljk|]zg ;]jf klg pknAw u/fpb5 . u|fxsx?sf] art lgIf]k, a}+s tyf laQLo ;+:yaf6 lnO{g] ;fk6L / z]o/

wgLx?af6 nufgL ul/Psf] z]o/k+"hL o; ;+:yfsf] k|d'v ljQLo >f]t x'g .

o; ;+:yfsf] s]Gb|Lo sfof{no ldlnh'nL dfu{, gf/fo0f uf]kfn rf}s, dxf/fhu~h, sf7df08f}df /x]sf]5 . g]kfn

/fi6« a}+ssf] :jLs[ltdf #@ lhNnfdf o; ;+:yfsf] zfvfx? /x]sf5g . ;+:yfn] cfkm\gf $) zfvf sfof{no dfkm{t

sf/f]af/ ul//x]sf] 5 .

@= k|d'v n]vf gLltx?sf] ;f/f+zM ;+:yfsf]] ljQLo ljj/0fx? tof/ ug{ k|o'Qm n]vf gLltx? tn pNn]v ul/Psf] 5 . cGoyf pNn]v ul/Psf]df

afx]s oL gLltx? x/]s jif{sf] n]vf ljj/0f k|:t't ubf{ lgoldt ?kdf k|of]u ul/Psf] 5 .

#= cg'kfng ljj/0fMcGoyf pNn]v ul/Psf]df jfx]s ljQLo ljj/0fx? g]kfn n]vfdfg jf]8{jf6 hf/L ul/Psf] g]kfn n]vfdfg Nepal Accounting Standard), n]vfsf ;j{dfGo l;4fGtx? -Generally Accepted Accounting Principles_, a}+s tyf ljQLo ;+:yf ;DaGwL P]g, g]kfn /fi6« a}+saf6 hf/L ul/Psf] lgb]{zg Pj+ sDkgL P]gn] lglb{i6 u/]sf] dfkb08sf]

cwLgdf /xL tof/ ul/Psf] 5 .

$= tof/Lsf cfwf/M ljQLo ljj/0fx? lgs6td\ ?k}of+df kl/0ft u/L g]kfnL ?k}of+df k|:t't ul/Psf] 5 . oL ljQLo ljj/0fx?

P]ltxfl;s nfut k4ltsf] cfwf/df tof/ ul/Psf] 5 . g]kfn n]vfdfg / n]vfsf ;j{dfGo l;4fGtx?;+u d]n

vfg] u/L ljQLo ljj/0f tof/ ug{ s]xL vf; n]vf cg'dfgx? ug{ / a}+ssf] n]vf gLltx? nfu' ug]{ k|s[ofdf

Joj:yfkgåf/f ljj]ssf] ;d]t k|of]u ug'{ h?/L x'G5 . ljQLo ljj/0fx? g]kfn /fi6« a}+saf6 æ3Æ ju{sf ljQLo

;+:yfx?sf] nflu lgwf{l/t 9f+rfdf k|:t't ul/Psf] 5 .

%= Jofh cfDbfgL / Aofh vr{M nufgLdf ePsf] vr{ / o;af6 ePsf] cfDbfgLnfO{ jif{df #^% lbgsf] lx;fjn] Aofh kfs]sf] cfwf/ (Accrual basis) n]vf+sg

ul/Psf] 5 . cfonfO{ kfs]sf] cfwf/df cfDbfgL hgfpg kfpg] g]kfn n]vfdfgsf] l;4fGt (NAS 7 Revenue Accounting) ePtfklg shf{ tyf ;fk6Laf6 k|fKt x'g] Jofh cfDbfgL gub k|fKtLsf] cfwf/df n]vf+sg ul/Psf] 5 .

cg';"rL $=@^

44


shf{sf] kfs]sf] t/ c;'n x'g af+sL AofhnfO{ c;'n x'g af+sL Aofhdf n]vf+sg ul/ Aofh d'Ntla lx;fjdf hDdf

(Credit) ul/Psf] 5 .

^= sldzg cfDbfgL Mg]kfn n]vfdfg (Nepal Accounting Standard-NAS 7) cg';f/ sldzg cfDbfgLnfO{ kfpg' kg]{ (Accrual Basis) sf] cfwf/df n]vf+sg ug'{ kg]{df gub k|fKtL (Cash Basis) sf] cfwf/df n]vf+sg ul/Psf] 5 .

&= cg'bfg cfDbfgLMSustainable Access to Finance and Livelihoods (SAFAL) kl/of]hgf cGtu{t Mercy Corps Nepal/, ;Da[4 kxf8 jf6 u|fxs ;b:ox?sf] Ifdtf clea[l4 sfo{sf] nflu tyf Sakchyam-Acess to Finance kl/of]hgfjf6 ljQLo kx'r clea[l4 sfo{sf] nflu k|fKt ePsf] cg'bfg /sdnfO{ cfDbfgL hgfO{ ;f] /sdnfO{ u}x| ;~rfng

cfDbfgL (Non Operating Income) df b]vfO{Psf] 5 .

*= shf{ tyf ;fk6shf{ ;fk6df ;d'x hdfgLdf nufgL ePsf] lagf lwtf] shf{ / lwtf] lnO{ nufgL ePsf n3'pBd shf{x? kb{5g .

ljgf lwtf] shf{, ;d'x hdfgLdf ;d'xsf ;b:ox?nfO{ k|bfg ul/G5 eg] lwtf] lnO{ k|bfg ul/g] shf{x? ljgf lwtf]

shf{ lnO{ k|ult u/]sf / cGo shf{ kfpg of]Uo AoQmLx? ;d]t nfO{ k|bfg ul/G5 . ;a} shf{ ;fk6x? g]kfn

/fi6« a}+ssf] lgb]{zg cg';f/ alu{s/0f ul/Psf]5 / shf{ ;fk6af6 shf{ gf]S;fgL Joj:yf afktsf] /sd 36fO{ v'b

af+sL /sd jf;nftdf b]vfOPsf] 5 . u|fxsx?n] e'QmfgL u/]sf] /sd klxn] Jofh c;'nLdf / jf+sL /x]df ;f+jf

c;'nLdf k|of]u ul/G5 .

(= shf{ gf]S;fgL Joj:yf / ckn]vg M p7fpg af+sL shf{ ;fk6nfO{ g]kfn /fi6« a}+ssf] lgb]{lzsf adf]lhd shf{ gf]S;fgL jlu{s/0fsf] cfwf/df ;Defljt

shf{ gf]S;fgL Joj:yf sfod ul/Psf] 5 . s'n p7fpg af+sL shf{sf] )=% k|ltzt shf{ sd;n shf{ au{df kg]{

/ af+sL shf{ c;n ju{df k/]sf]n] shf{ ckn]vg ul/Psf] 5}g .

!)= sd{rf/L shf{ M;+:yfsf] sd{rf/L ;]jf lagLodfjnL cg';f/ sd{rf/Lx?nfO{ k|bfg ul/Psf] sd{rf/L shf{nfO{ g]kfn /fi6« a}+ssf]

lgb]{zg cg';f/ cGo ;DkQL (Other Assets) zLif{sdf b]vfOPsf] 5 .

!!= nufgLM a}+s lgIf]kdf nufgL ul/Psf] /sdnfO{ af:tljs d"Nodf n]vf+sg ul/Psf] 5 . nufgLaf6 k|fKt Aofh /sdnfO{ k'/}

cfDbfgL hgfO{Psf] 5 . nufgLaf6 k|fKt Aofhaf6 cu|Ld s§L ul/Psf] s/ /sdnfO{ cu|Ld s/ e'QmfgL lx;fjdf

b]vfO{Psf] 5 .

!@= l:y/ ;DklQ tyf x|f; s§LMl:y/ ;DklQnfO{ P]ltxfl;s d"No cjwf/0f cg'?k n]vf+sg ul/Psf] 5 . l:y/ ;DklQnfO{ klxnf] k6s k|of]u ubf{

;Da4 cGo vr{ ;d]t ;f]lx l:y/ ;DklQdf ;dfj]z ul/ k/n d"No sfod ul/Psf] 5 . l:y/ ;DklQsf] x|f; s§L

ubf{ 36bf] df}+Hbft lalw (Diminishing Balance method) cg';f/ lgDg lnlvt b/df x|f;s§L ul/Psf] 5 .

45


;DklQsf] jlu{s/0f x|f;s§L b/

kmlg{r/ tyf pks/0f @) k|ltzt

sDKo'6/ pks/0f @) k|ltzt

;jf/L ;fwg !% k|ltzt

rfn' cfly{s jif{df v/Lb Pjd\ k|of]udf NofO{Psf l:y/ ;DklQ x|f; s§L k|of]u ul/Psf] z'?sf] dlxgfnfO{ 5f]8L

csf]{ dlxgf b]lv pNn]lvt b/df dfl;s ?kdf x|f;s§L u0fgf ul/Psf] 5 . l:y/ ;DkQLnfO{ x|f;s§L kl5sf]

v'b d"Nodf b]vfO{Psf] 5 .

!#= cg'bfgdf k|fKt l:y/ ;DklQMcg'bfgdf k|fKt ;DklQnfO{ ;DalGwt ju{sf] cg'bfgdf k|fKt l:y/ ;DklQ cGtu{t df}Hbft b]vfO{ k+"hLut hu]8f

sf]ifdf hDdf ul/Psf] 5 . lt ;DklQx?nfO{ pNn]lvt b/df aflif{s ?kdf x|f;s§L ul/ x|f;s§L /sdnfO{ k'+lhut

hu]8f sf]ifdf vr{ hgfO{Psf] 5 . ctM k'+lhut hu]8f sf]ifdf /x]sf] /sdn] cg'bfgdf k|fKt ;DklQsf] x|f;s§L

kl5sf] /sd /x]sf] hgfpF5 .

!$= k"+hLs[t gul/g] ;DklQx?M?= %,)))÷ ;Dd d"No kg]{ ;fdfgx? vl/b ubf{ nfu]sf] /sd vl/b ePs} jif{df k'/} /sd vr{ n]lvPsf] 5 .

!%= :6]zg/L df}Hbft M :6]zg/L df}HbftnfO{ vl/b ul/Psf] ;dodf g} vr{ n]vf+sg ul/Psf] 5 .

!^= ;km\6j]o/ ;DaGwL vr{MsDKo"6/ ;km\6j]o/ nfO;]G; ln+bf nfu]sf] vr{nfO{ ;f] ;km\6j]o/sf] k|of]u ;'? u/]sf] ldltnfO{ cfwf/ dfgL k"+hLs[t

ul/Psf] 5 . tL vr{x?nfO{ ltgLx?sf] l6sfp cjlwsf] cfwf/df kl/zf]wg (Amortization) ul/Psf] 5 .

!&= kl/zf]wg (Amortization):cb[io ;DklQx?sf] l6sfp cjlw cg';f/ Straight Line Basis sf] cfwf/df kl/zf]wg (Amortization) u/L gfkmf gf]S;fg lx;fjdf vr{ n]vf+sg ul/Psf] 5 . cb[Zo ;DklQx?sf] k|of]u z'? ePkl5 kl/zf]wg ug{ ;'? ul/Psf] 5 .

To:tf ;DklQsf] l6sfp cjlw lgDgfg';f/ lgwf{/0f ul/Psf] 5 .

sDKo"6/ ;km\6jo]/ ===========================================% jif{

lnhxf]N8 ;DklQdf ePsf] vr{ % jif{ leqdf jf k|f/lDes nLh cjlw h'g sd x'G5, ;f]xL cjlwdf Straight-Line Basis sf] cfwf/df kl/zf]wg (Amortization) ul/Psf] 5 .

!*= sd{rf/L ;'ljwfM-s_ sd{rf/L ;~rosf]if afkt ;+:yfaf6 :jtGq sf]ifdf of]ubfg ul/Psf] ;dodf g} vr{ hgfO{Psf] 5 .

-v_ ;+:yfsf] sd{rf/L ;]jf ljlgodfjnL adf]lhd sd{rf/L pkbfg lbg' kg]{ gLltsf] cfwf/df n]v+fsg

u/L ;+:yfn] :jLs[t cjsfz sf]ifdf hDdf ug]{ Joj:yf ul/Psf] 5 . ;+:yfsf] ;]jfaf6 cjsf; x'g]

sd{rf/Lx?sf] pkbfg /sd o;} sf]ifaf6 Aoxf]l/g] 5 .

-u_ sd{rf/Lx?sf] ;+lrt labfsf] ;§f tnasf] /sd e'QmfgL lbg' kg]{ gLltsf] cfwf/df jiff{Gtdf vr{ n]vf+sg

u/L ;f]lx a/fj/sf] /sd ;+lrt labf sf]ifdf bfloTj l;h{gf u/L hDdf ul/Psf] 5 .

46


!(= cfos/ Joj:yfMcfos/ P]g, @)%* cg';f/ u0fgf u/L gfkmfsf] cfwf/df xfn a'emfpg' kg]{ s/sf] ?kdf cfos/sf] nflu Joj:yf

(Provision) ul/Psf] 5 . :yug s/ (Deferred Tax) ;DklQ tyf bfloTjsf] cfwf/df :yug ul/Psf] s/ xf] . ljQLo ljj/0f cg';f/sf] ;DklQ tyf bfloTjsf] /sd tyf s/ cfwf/ lar km/s eO{ >[hgf x'g] c:yfoL cGt/

-Temporary Difference_ sf] sf/0fn] eljiodf >[hgf x'g] s/ bfloTj tyf ;DklQsf] nut /fVg] p2]Zon] :yug s/sf] n]vf+sg ul/Psf] 5 . :yug s/ ;DklQ tyf bfloTj dfkg ug{sf nflu h'g jif{df c:yfoL cGt/ ;dfof]hg

x'g ;S5 ;f]xL jif{sf nflu P]gåf/f nfu' eO{;s]sf] s/sf] b/ jf xfnsf] s/sf] b/ nfu' x'g] cg'dfg ul/Psf] 5 .

!&= k'g{jlu{s/0fMt'ngf ug{ ;lhnf]sf] nflu cfjZostf cg';f/ ljut jif{sf tYof+sx?nfO{ jlu{s/0f jf k'g{jlu{s/0f ul/Psf] 5 .

47


cg';"rL $=@&

Nf]vf ;DaGwL l6Kk0fLx?

!= Jofh cfDbfgL tyf Jofh d"NtjLMcfly{s jif{sf] cGt;Dddf shf{ tyf ;fk6Ldf lng afsL Jofh -Interest receivable_ nfO{ g]kfn /fi6« a}+ssf] lgb]{lzsf adf]lhd Jofh d"NtjL lx;fjdf ;fl/Psf] 5 .

@= sd{rf/L af]g; Joj:yfMjf]g; k5fl8sf] v'b gfkmfsf] !) k|ltztn] x'g] /sd sd{rf/L jf]g;sf] nflu 5'6\ofO{Psf] 5 .

#= ;fwf/0f hu]8fMg]kfn /fi6« a}+ssf] lgb]{lzsf d'tfljs o; jif{sf] gfkmfsf] @) k|ltzt ;fwf/0f hu]8f sf]ifdf ;fl/Psf] 5 .

$= u|fxs ;+/If0f sf]if Mg]kfn /fi6« a}+ssf] lgb]{zg cg';f/ v'b gfkmfsf] ! k|ltzt / @) k|ltzt eGbf al9n] k|:tfljt nfef+; /sdsf] @%

k|ltzt /sd u|fxs ;+/If0f sf]ifdf 5'§ofOPsf] 5 .

%= shf{ tyf ;fk6L k|jfx, c;'nL tyf ;f+jf Jofh ckn]vgsf] ;f/f+zM

Uft aif{ ;Ddsf] af+sL shf{ k|jfx shf{ c;'nL cf=j= @)&@÷&# sf] cGtdf af+sL shf{

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

o; cf=j= ;Dd sg'} klg shf{x? ckn]vg ul/Psf] 5}g .

^= lgIf]k bfloTjdf kl/jt{gsf] ;f/f+zM;+:yfn] cfkm\gf] ;b:ox?;+u dfq art÷lgIf]k ;+sng ug]{ ub{5 . cf=j=@)&@÷&# ;Dd ePsf] art÷lgIf]k

kl/rfngsf] ljj/0f tn pNn]v ul/Psf] 5 .

art lgIf]k cl3Nnf] jif{sf] df}Hbft cf=j= @)&@÷&# df a[l4 cf=j= @)&@÷&# sf] cGtdf art÷lgIf]k

clgafo{ art **,^$^,)#^ $(,%^&,@$% !#*,@!#,@*)

;Da[l4 art $@,*$&,$($ *^,(@%,*## !@(,&&#,#@&

s]Gb| sf]if art @,^&*,!&) #,)@@,&*^ %,&)),(%^

;'Gf}fnf] elaio art %&,*$),)^& ^^,!@*,$&% !@#,(^*,%$@

hDdf art÷lgIf]k !(@,)!!,&^& @)%,^$$,##( #(&,^%^,!)%

&= Jofhb/ cGt/sf] cf};t ef/M

shf{ tyf ;fk6Ldf k|fKt cf};t b/ !*=$) k|ltzt

lgIf]k tyf ;fk6Lsf] cf};t b/ %=)$ k|ltzt

lgIf]k / shf{sf] cf};t Aofhb/sf] cGt/ !#=#& k|ltzt

48


*= z]o/ lgZsf;g vr{ MRffn' cf=j= df ePsf] z]o/ lgZsf;g vr{nfO{ pQm cf= j= df g} vr{ b]VffO{Psf] 5 .

(= lnh xf]N8 ;DklQ÷cef}lts ;DklQ ckn]vgsf] ljj/0f M

ut jif{ ;Ddsf] lnh xf]N8÷cef}lts ;DklQ o; jif{sf] yk÷36 rfn' jif{sf] ckn]vg jif{sf] cGtsf] v'b af+sL

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

!)= :yug s/ ;DklQ ÷ -bfloTj_M@)&# cfiff9 d;fGtsf] ;DklQ / bfloTjdf /x]sf c:yfoL km/s -:yug s/ k|of]hgsf nflu_ o; k|sf/ 5g\ M

ljj/0f ljQLo ljj/0f cg';f/ s/ cfwf/ v'b c:yfoL km/s

l:y/ ;DklQ !#,$$^,^!$ !@,$^^,))$ (*),^!)

labf jfktsf] Aoj:yf (%!,!^^ – -(%!,!^^_

Kff]zfs eQf jfktsf] Aoj:yf (&^,))) -(&^,)))_

v'b c:yfoL km/s !%,#&#,&*) !@,$^^,))$ -($^,%%&_

@)&# cfiff9 d;fGt ;Ddsf] :yug s/ bfloTj ÷

-;DklQ_ -#) k|ltztsf b/n]_

– – -@*#,(^&_

@)&@ cfiff9 d;fGt ;Ddsf] :yug s/ bfloTj÷ -;DklQ_ – – !*%,%^$

rfn' aif{sf] nflu :yug s/ vr{ ÷ -cfDbfgL_ – – -$^(,%#!_

dfly pNn]v eP jdf]lhd cfiff9 d;fGt @)&# -!% h'nfO{ @)!^_ sf] :yug s/ ;DklQ ?= @*#,(^&÷– /x]sf] 5

/ ?= $^(,%#!÷– :yug s/ cfDbfgL jfkt o; jif{sf] gfkmf gf]S;fg lx;fjdf n]vf+sg ul/Psf] 5 .

!!= ;+:yfsf] ;DklQ lwtf] /flv cGo;+u lnPsf] C[0f ;fk6L ljj/0fMcGo ;+:yf;+u cfkm\gf] ;DklQ lwtf] /flv s'g} C0f lnO{Psf] 5}g t/ ;+:yfut hdfgLdf nIdL a}+s;+u

?= (#$,(@(,%@&.%* ljkGg au{ shf{ cGtu{t C0f lnO{Psf] 5 .

!@= u}x| a}ls+u ;DklQMxfn ;Dd ;+:yf;+u s'g} klg u}x| a}ls+u ;DklQ /x]sf] 5}g .

!#= z]o/ k'+hLM ;+:yfsf] r'Qmf k'+hL ? !! s/f]8 /x]sf] 5 h;dWo] &) k|ltzt z]o/ ;+:yfks z]o/wgL nIdL a}+s ;+u /x]sf]5

eg] afls #) k|ltzt z]o/ ;j{;fwf/0f z]o/ wgLx?;+u /x]sf]5 . z]o/ jfkt cu|Ld e'Qmfg k|fKt ePsf] jf r'Qmf

x'g af+sL /x]sf] jf hkmt ul/Psf] s'g} z]o/ 5}g .

!$= nfef+z / af]gz z]o/ M;~rfns ;ldltn] z]o/wgLx?nfO{ o; jif{;Ddsf] ;+lrt gfkmfaf6 g]kfn /fi6« a}+s / cfufdL ;fwf/0f ;efaf6

l:js[lt lnP/ @!=)% k|ltzt gub nfef+; -s/ ;d]t_ k|bfg ug]{ k|:tfj u/]sf] 5 . gub nfef+; jfktsf] /sd

?= @#,!%&,*(%.– jf;nftsf] k|:tfljt gub nfef+; zLif{sdf b]vfOPsf] 5 .

49


!%= ;Da4 sDkgL ljr ePsf] sf/f]jf/ M@)&# c;f/ d;fGt ;Dd ;Da4 sDkgL ljr ePsf] sf/f]jf/ lgDg cg';f/ /x]sf] 5 .

nIdL a}+s;+u lnPsf] shf{ ?= (#$,(@(,%@&.%*

nIdL a}+sdf /x]sf] art /sd ? =%,%(!,#^@.&(

nIdL a}+snfO{ e'Qmfg u/]sf] shf{sf] Aofh ?= @&,(#!,**@.@)

!^= cGt/ zfvf sf/f]jf/ McGt/ zfvf sf/f]jf/ cGtu{t le8fg gePsf] s'g} klg /sd g/x]sf] .

!&= jf;nft aflx/sf sf/f]af/x?M;+:yf;+u rfn' aif{sf] cGt ;Dd s'g} jf;nft aflx/sf ;DklQx? /x]sf 5}gg\ .

!*= Dofb gf3]sf] cfwf/df ;DklQ tyf bfloTjsf] juL{s/0fM

-?= xhf/df_

l; g+= ;DklQ !–() lbg (!–!*)

lbg

!*!–@&)

lbg

@&!–#^%

lbg

! jif{

eGbf dfly

hDdf /

sd

1 gub df}Hbft ^%! ^%!

2 a}+s tyf ljQLo ;+:yfdf /x]sf] df}Hbft !$,(!! !$,(!!

3 Dffu]sf] avt k|fKt x'g] /sd @%,$*& @%,$*&

4 ;/sf/L ;'/If0fkq

5 g]kfn /fi6« a}+s C0fkq

6 cGt/ a}+s tyf ljQLo ;+:yf shf{

7 shf{ tyf ;fk6L !^(,^&! !@@,^@% @^%,(&@ #^#,#&@ $&(,$*$ !,$)!,!@$

8 Kffpg' kg]{ Aofh

9 k|ltj4tf cGtu{t cGo ;+:yfx?af6

k|fKt x'g]

10 qm=;+= !* / !( sf ;'lawfx?sf] e'QmfgL

11 cGo #(,(&! %),))) *((&!

s'n ;DklQ @%),^(! !&@,^@% @^%,(&@ #^#,#&@ $&(,$*$ !,%#@,!$$

bfloTj

12 rNtL lgIf]k

13 art lgIf]k @&#,^** @&#,^**

14 d'2tL lgIf]k !@#,(^( !@#,(^(

15 l8a]Gr/

50


16 ;fk6L (#$,(#) (#$,(#)

s_ dfu÷cNk ;"rgf

v_ cGt/ a}+s÷ljQLo ;+:yf (#$,(#) (#$,(#)

Uf_ k'g/shf{

3_ cGo

17 cGo bfloTj / Joj:yfx? M !),&&( !),&&(

s_ ;08«L qm]l86;{ !^# !^#

v_ e'QmfgL ug'{kg]{ ljn

u_ e'QmfgL ug'{kg]{ Jofh

3_ Aoa:yf

ª_ cGo !),^!% !),^!%

18 k|ltj4tf cGtu{t cGo ;+:yfx?nfO{

lbg'kg]{

19 pkef]u e}g;s]sf] :jLs[t ;'lawfx?

20 qm=;+= ( cGtu{tsf] ;'ljwfsf] e'QmfgL

21 cGo

s''n bfloTj !),&&( (#$,(#) #(&,^%^ !,#$#,#^$

v'b ;DklQ @#(,(!@ !&@,^@% @^%,(&@ -%&!,%%&_ *!,*@* !**,&*)

;+lrt v'b ;DklQ @#(,(!@ $!@,%#& ^&*,%)( !)^,(%@ !**,&*) )

51


cg';'rL 4=28

;+:yfks÷;+:yfks ;d"xsf z]o/wgLn] cfkm\gf] :jfldTjdf /x]sf] z]o/ cGo a}+s tyf ljQLo ;+:yfdf

lwtf] /fvL shf{ lnPsf] ljj/)f

2073 ciff( d;fGt

qm=;++ ;+:yfks÷;+:yfks ;d"x cGtu{t kg]{ z]o/wgLsf] gfd

;+:yfkssf] :jfldTjdf sfod /x]sf] z]o/

shf{ ljj/)f

s"n lsQf ;+Vof

s"n r'Qmf k"+hLsf] k|ltzt

shf{ lnPsf] cGo a}+s÷ljQLo ;+:yfsf] gfd

shf{ /sd

lwtf]df /x]sf] z]o/ lsQf ;+Vof

s}lkmot

1

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(Rs

in '0

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53


S.N. Particulars This Quarter Ending 31 Ashad 2073

15-Jul-2016

Previous Quarter Ending 30 Chaitra 2072

12-Apr-2016

Corresponding Previous Year Quarter Ending 31 Ashad 2072

16-Jul-2015

1 Total Capital and Liabilities ( 1.1 to 1.7) 1,543,264 1,311,784 839,748

1.1 Paid Up Capital 110,000 110,000 110,000

1.2 Reserve & Surplus 70,885 49,604 8,439

1.3 Debenture & Bond -

1.4 Borrowings 934,930 790,299 513,117

1.5 Deposits ( a+b ) 397,656 335,937 192,012

a) Member 397,656 335,937 192,012

b) Public

1.6 Income Tax Liability - 1,611 -

1.7 Other Liabilities 29,794 24,332 16,180

2 Total Assets (2.1 to 2.7 ) 1,543,264 1,311,784 839,748

2.1 Cash & Bank Balance 15,562 14,031 10,311

2.2 Money at call and Short Notice 25,487 23,192 21,675

2.3 Investments 70,869 70,869 70,000

2.4 Loan & Advances 1,384,522 1,162,201 701,982

2.5 Fixed Assets 26,854 24,883 25,478

2.6 Non Banking Assets (net) -

2.7 Other Assets 19,971 16,608 10,301

3 Profit & Loss Account Up to This Quarter Up to Last Quarter Up to Corresponding Previous Year Quarter

3.1 Interest Income 200,473 136,852 94,707

3.2 Interest Expenses 51,321 34,867 24,356

A. Net Interest Income ( 3.1-3.2 ) 149,151 101,985 70,352

3.3 Fees, Commission & Discount

3.4 Other Operating Income 28,921 19,019 13,365

3.5 Foreign Exchange Gain & Loss

B. Total Operating Income ( A+3.3+3.4+3.5 ) 178,072 121,004 83,716

3.6 Staff Expenses 52,026 35,876 36,833

3.7 Other Operating Expenses 20,810 13,418 19,838

C. Operating Profit before Provisions ( B -3.6-3.7 ) 105,236 71,710 27,045

3.8 Provision for Possible Losses 9,428 7,649 4,159

D. Operating Profit ( C- 3.8 ) 95,808 64,061 22,887

3.9 Non Operating Income/Expenses ( Net ) 2,322 628 3,036

3.10 Loan Loss Provision Written Back -

E. Profit from Regular Activities ( D+3.9+3.10 ) 98,130 64,689 25,922

3.11 Extraordinary Income/Expenses (Net) - - -

F. Profit before Bonus and Taxes (E+3.11 ) 98,130 64,689 25,922

3.12 Provision for Staff Bonus 8,921 5,881 2,357

3.13 Provision for Taxes 26,763 17,642 7,070

G. Net Profit/ Loss ( F-3.12-3.13 ) 62,446 41,166 16,496

4 Ratios This Quarter Ending Previous Quarter Ending Corresponding Previous Year Quarter Ending

4.1 Capital Fund to RWA 12.77% 13.22% 15.36%

4.2 Non Performing Loan (NPL) to Total Loan 0.30% 0.75% 0.05%

4.3 Total Loan Loss Provision to Total NPL 390.97% 168.40% 2240.80%

4.4 Cost of Fund 5.04% 5.08% 4.89%

4.5 CD ratio (Calculated as per NRB Directives) 276.00% 263.94% 242.85%

Schedule Gha 4.2

Unaudited Financial Results (QUARTERLY)As at 4th Quarter ( 2073/03/31 ) of the Fiscal Year 2072/073

Rs in ' 000

54


55


ljut 5 jif{sf] ;+lIfKt emns

ljj/)f @)^*÷^( @)^(÷&) @)&)÷&! @)&!÷&@ @)&@÷&#

s=;+:yfut ljj/)f

zfvf :yfkgf ePsf lhNnf ;+Vof;]jf k'¥ofPsf] uf=lj=;÷g=kf= ;+Vofzfvf sfof{no ;+Vofsd{rf/L ;+Vof

311311

12711139

251862390

2731834135

3543140163

v=u|fxs ;DaGwL ljj/)f

;lqmo ;b:o ;+VofC)fL ;+Vofshf{ ;+Vofs]Gb| ;+Vof

39911711732

5,7163,0643,192389

16,3029,09310,0961,125

29,37317,14419,9082,065

42,371 25,633 30,197 2,944

u=art lgIf]k ljj/)f -?=xhf/df_

clgafo{ art;Da[l$ art;'Gf}fnf] elaio arts]Gb|sf]if arts'n art lgIf]k

21315505

343

7,2946,1521,290183

14,920

32,96721,99917,270967

73,203

88,64642,84757,8402,678

192,012

138,213 129,773 123,969 5,701

397,656

3=shf{ ;DaGwL ljj/)f -?=xhf/df_

aflif{s shf{ ljt/)faflif{s shf{ c;'nLnufgLdf /lx/x]sf] shf{lg:s[o shf{

4,275 82

4,193 –

113,357 37,643 79,907

–

452,932 232,688 300,152

–

1,078,080 669,000 709,157

347

3,860,327 2,459,203 1,401,124 4,247

ª=gf]kmf÷gf]S;fg lx;fj -?=xhf/_

shf{af^ Aofh cfDbfgLcGo ;`rfng cfDbfgLu}x| ;`rfng cfDbfgL; rfng vr{ -sd{rf/L / sfof{no ; rfng vr{_Aofh vr{shf{ gf]S;fgL Aoj:yf vr{{;`rfng d'gfkmf -af]g; tyf s/ cl#_

6 3,478 234

3,559 1

42 116

5,393 5,851 4,098 12,755 1,484 789 314

30,801 9,635 4,713 29,549 10,033 2,185 3,381

89,100 18,972 3,036 56,671 24,356 4,159 25,922

200,473 28,921 2,322 72,836 51,321 9,428 98,130

r=pTkfbsTj tyf cGo cg'kft

k|lt sd{rf/L ;b:o ;+Vofk|lt sd{rf/L nufgLdf /lx/x]sf] shf{ -?= xhf/df_k|lt C)fL nufgLdf /lx/x]sf] shf{ -?= xhf/df_;`rfng :j;Ifdtf -k|ltztdf_shf{df cf};t k|ltkmn -k|ltztdf_lgIf]k shf{ cg'kft -k|ltztdf_;`rfng vr{ cg'kft (Operating expenses ratio)

3638136

97=90–

8 –

1472,049

2675=00

13 19 30

1813,33533

97=0016

24 16

2185,25341

127=001827 11

260 8,596 55

171=7218=428=06=90

56


zfvf sfof{nox?sf] ljj/)f

l;=g= zfvfsf] gfd zfvf k|d'vsf] gfd zfvf /x]sf] lhNnf ;Dks{ kmf]g g+

1 a§f/ zfvf lg/fhg >]i7 g'jfsf]6 010–561798

2 rl/sf]6 zfvf of]u]Gb| /fh sfsL{ bf]nvf 049–421970

3 afx'g]kf6L zfvf nfaGojtL kGyL l;Gw'kfNrf]s 011–685781

4 dxfb]jj]zL zfvf zzL snf a/fsf]6L wflbË 010–415023

5 e~HofËkf]v/L zfvf /d]z cof{n wflbË 016–227118

6 sDbL zfvf lbk]Gb| k|zfb pkfWofo af+s] 081–694939

7 l;+u6L zfvf ?k gf/fo0f nfld5fg] bf]nvf 049–410006

8 l;+w'jf zfvf x]d s'df/ >]i7 wgs'6f 026–404095

9 dËnjf/] zfvf eLd Gof}kfg] O{nfd 027–400132

10 c?0fvf]nf zfvf a'4 gf/fof0f >]i7 gjnk/f;L 078–555035

11 ;bfjt{ zfvf b]aL nfn Gof}kfg] kfNkf 075–400189

12 t'/t'/] zfvf u0f]z yfkf tgx'+ 065–693993

13 ef]n]{6f/ zfvf z+s/ yfkf nDh'Ë 066–410001

14 hf]d;f]d zfvf ;lag 8f+uL d':tfË 069–440364

15 kf6g zfvf x]d /fh hf]zL a}t8L 095–400003

16 r}gk'/ zfvf nlnhg P]8L aemfË 092–421365

17 cfO{=la=cf/=l8= zfvf >j0f uf}td s~rgk'/ 099–560243

18 dx]Gb| gu/ zfvf ;'o{ k|;fb pkfWoo s~rgk'/ 099–522284

19 gof+ahf/ zfvf ;ltz s'df/ rf}w/L O{nfd 027–691332

20 ;fkm]au/ zfvf u0f]z l;+x ;fpb c5fd 097–625128

21 xgf{df8L zfvf xl/ z/0f ltdN;]gf dsjfgk'/ 057–693558

22 lahf}/L zfvf k|]d k|;fb ;'a]bL bfª 082–411097

23 d'Vo zfvf ;'lht vltj8f sf7df08f} 014–016197

24 vnËf zfvf cd/ axfb'/ /fO{ ?s'd 088–530309

25 >Lgu/ zfvf lq laqmd ;]9fO{ ;Nofg 088–400186

26 /f+s] zfvf xl/ k|;fb l3ld/] kf+ry/ 024–411067

57


27 laANofF6] zfvf z+s/ gfy s§]n O{nfd 027–520932

28 afnsf]6 zfvf zfGtL sfsL{ eQmk'/

29 e};]kf6L zfvf /fh' s'df/ l/dfn nlntk'/ 015–592299

30 xfk'/] zfvf ;fu/ lh=;L bfË 082–403041

31 gf}tg zfvf ?k;]g k|;fb ho;jfn af/f 053–692572

32 ;"o{k'/f zfvf gf/fo0fL yfkf ?kGb]xL

33 ;]dnf/ zfvf ldgf 9sfn ?kGb]xL 071–504102

34 u}/ahf/ zfvf lbks s'df/ sf]O{/fnf ;nf{xL 046–620051

35 ;Ltfk'/ zfvf u'? k|;fb clwsf/L af+s]

36 l9s'/kf]v/L zfvf r'/fd0fL cof{n sf:sL 061–414042

37 aflaofrf}/ zfvf dbg axfb'/ zfxL ;'v]{t

38 lb+unf zfvf ;'bz{g e08f/L ef]hk'/ 029–421101

39 dR5L zfvf b]a' s'df/L Gof}kfg] Ko'7fg

40 ;qmflGt zfvf 7fs'/ gfy nfld5fg] t]x|y'd

41 kf]v/Lahf/ zfvf lazfn kxf8L ;+v'jf;ef

42 ;'qmaf/] zfvf /fhf /fd >]i7 t]x|y'd

58


59


;fwf/0f ;efdf efu lng cfkm\gf] k|ltlglw lgo'Qm ug]{ lga]bg -k|f]S;L kmf/d_

>L ;~rfns ;ldlt

nIdL n3'ljQ ljQLo ;+:yf lnld6]8

dxf/fhu~h, sf7df8f}+

laifoM k|ltlglw lgo'Qm u/]sf] af/]

dxfzo,

========================================================================================= lhNnf =========================================================================================== g=kf÷uf=lj=; j8f g+ ===================================================a:g]

d÷xfdL ===========================================================================================================================================================================================n] To; sDkgLsf] z]o/wgLsf] x}l;otn]

@)&# Kff}if @@ ut], z'qmaf/sf] lbg x'g] kfFrf}+ jflif{s ;fwf/0f ;efdf :jod\ pkl:yt eO{ 5nkmn tyf lg0f{odf

;xefuL x'g g;Sg] ePsf]n] pQm ;efdf 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 dgf]lgt u/L k7fPsf] 5'÷5f}+ .

lga]bs,

b:tvt M

gfd M

7]ufgf M

z]o/wgL g+a/ M

ldlt M

b|i6Ao M of] lga]bg ;fwf/0f ;ef x'g' eGbf $* 3G6f cufj} ;+:yfsf] s]Gb|Lo sfof{no, ldlnh'nL dfu{, gf/fo0f uf]kfn rf]s, dxf/fhu~h sf7df8f}+df btf{ ul/;Sg' kg]{5 .


l6kf]6

Laxmi Laghubitta Bittiya Sanstha Ltd.nIdL n3'ljQ ljQLo ;+:yf ln=

Laxmi Laghubitta Bittiya Sanstha Ltd.nIdL n3'ljQ ljQLo ;+:yf ln=s]Gb|Lo sfof{no, ldlnh'nL dfu{, dxf/fhu~h, sf7df8f}+kmf]gM )!–$)!^@)(, @#*, !(!Od]nM [email protected], j]e;fO6M www.llbs.com.np

laxmi laghubitta bittiya sanstha ltd. nidl n3'ljq ljqlo ;+:yf ln= report-2015_16.pdf ·...

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