message from the chairpersonmslbsl.com.np/images/report/6th_annual.pdfmessage from the chairperson...
TRANSCRIPT
Message from the Chairperson
Mahuli Community Laghubitta Bitya Sanstha Ltd. (MSLBSL) is a pure
financial institution which is promoted by Mahuli Community Development Center known as (MCDC) a Ngo.
It was seprated in 2014 Jun 14 as under the Company act 2063 and Bank tatha financial instituton act 2063. After our experience of fingo, we want to use our experience in real baking model micro finance and serve to large no of beneficiaries by sustaible microfinancing.
Microfinance is not only financial services it is one of mission for poverty reduction in a developing country like Nepal. The power of microfinance is now well recognized to improve the socio economic condition of the poor family if there would serve on real microfinance principle because it is the best tools to reduce poverty. But in Nepal, there are various types of pollution intered in microfinance and so many problems are shown. Many more microfinance institutions working in an one area, increasing unhealthy competition. Loan size is being high than clients need because to earn profit. Centeral Bank of Nepal (NRB) is providing licence to so many institution than need in small country like Nepal. In another hand, Regulatory agency increased loan size to fulfill clients need but there is no fund managed in microfinance sectore . So there is the lagest problem of fund scarcitiy in microfinance sectore. In this caese, Microfinance institutions have been so difficult to get loan from commercial bank. If Institution got loan fund, should high pay like 14,15% as per anm. So how could a MFI be sustainable in only 2% of margin. The operating cost is so high in microfinance because it seeks the poor in rural area and provides the service door to door what the poor people need. It is thought that how could MFIs provide sustainable service to the poor. I think that it needs to be sustainable microfinance in Nepal to serve inconvenient and remote area like mountain and Himalian area. I would like to extend sincere thanks to all the concerned for their effort and contribution in microfinance setor in Nepal. I want to thank them all who want to come and helps in microfinance.
Thanks for all Prabhu Narayan Chaudhary.
Chairperson
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/f]zg s'df/ d+8/ k|aGw ;~rfns
dx'nL ;fd'bflos nw'ljQ ljQLo ;+:yf ln= asw'jf (, dx'nL ;Kt/L
;fdfGo kl/ro != k/Lro
dx'nL ;f'bflos n3'ljQ ljQLo ;+:yf Ps ljz'4 n3'ljt ljQLo ;+:yf xf] . of] ljQLo ;+:yf dx'nL ;fd'bflos ljsf; s]Gb| asw'jf–^ jf6 k|jw{g eO{ ldlt @)^( ;fn ebf} !& ut] sDkgL /lhi6f/ sfof{nodf sDkgL P]g, @)^# cGt/ut klAns ln= sDkgLsf] ?kdf ljlwjt btf{ eO{] ;+rfngdf /x]sf] 5 . o; ljQLo ;+:yfn] g]kfn /fi6« a}+sjf6 ldlt @)&) ;fn h]i7 @ ut] !) lhNnf sfo{If]qsf] :jLs[tL lnO{ sDkgL /lhi6f/jf6 ldlt @)&) ;fn h]i7 #) ut] sf/f]jf/ ;+rfngsf] cg'dtL kfP/ ;f]xL ldltjf6 a}+s tyf ljtLo ;+:yf lgodfjnL cg';f/ cf}krfl/s ?kjf6 sf/f]jf/ ;+rfng u/]sf] 5 . ldlt @)&%÷)@÷!) ut] yk % lhNnfdf sfo{If]q lj:tf/ ug{ cg'dlt kfO{ xfn !% lhNnfdf #& j6f zfvf sfof{nox? dfkm{t ljQLo ;]jf k|bfg ul/ /x]sf] 5 .
@= ljQLo ;+:yfsf] ;fwf/0f ;ef M
;fwf/0f ;ef g} ;j eGbf ;jf]{Rr clwsf/Ls c+u xf] . xfn jt{dfg cj:yfdf ;+:yfks z]o/ wgL dx'nL ;f'bflos ljsf; s]Gb| k|j4{s ;+:yf, @ j6f ljQLo ;+:yf / %$ hgf JolQm ljz]ifsf] &)Ü z]o/ :jfldTj /x]sf] 5 eg] #)Ü ;j{ ;fwf/0fsf] z]o/ :jfldTj /x]sf] 5 . o; ;efn] ;+:yf ;+rfngsf] nflu rflxg] cfjZos gLlt lgdf{0f b]lv lnP/ cfjZos lgb]{zg tyf gLlt lgodx? Kffl/t u/L ;+rfns ;ldltnfO{ lbG5 . ;+:yfsf] k|aGw kq adf]lhd ;+Rffns ;ldltsf] 5gf}6 ul/G5 .
#= ;+rfns ;ldlt M
o; ljQLo ;+:yfsf] ( hgfsf] ;+rfns ;ldltsf] Joj:yf /x]sf] 5, h; dWo] dx'nL ;fd'bflos ljsf; s]Gb|sf] tkm{jf6 @ hgf k|ltlglw, ;+:yfks JolQm ljz]ifjf6 $ hgf k|ltlglw, ;j{ ;fwf/0f ;d'xjf6 @ hgf k|ltlglw / ! hgf Joj;flos ljz]if1 x'G5 . xfn ;j{ ;fwf/0f ;d'xsf] z]o/ :jfldTj eP klg k|ltlgwL 5gf}+6 gePsf]n] ^ hgfsf] dfq ;+rfns ;ldlt u7g ePsf] 5 .
;+u7gfTds ;+/rgf
Member/Center
Area Office A
Area Office B
Department Chief
Internal Audit Department
Department Chief Credit, Monitoring,
Supervision & Social
Department
Department Chief
Finance Management &
Planning Department
Department Chief
General Ad min & HR
Department
Department Chief
MIS Department
Chief Executive Officer
(CEO)
Employee Service and
Benefit Committee
Risk Management Committee
Audit Committee
General Assembly
Executive Board
Deputy Chief Exe cutive Officer (DCEO)
Branch Offices
Sun Branch Office
$= sfg"gL dfGotf M– sDklg /lhi6«f/ sf] btf{ gDa/ M (^*^& ÷)^(÷)&) btf{ ldlt @)^(÷%÷!& ut] g]kfn /fi6« a}+s Ohfht kq M g]=/f=a}+s÷O{=k|=÷…3Ú÷#!÷)^(÷)&) sf/f]jf/ ug]{ Ohfht ldlt @)&)÷)@÷)@ ju{ M
…3Ú :jLs[t sfo{If]q M !% lhNnf dfq -;Kt/L, l;/xf, pbok'/, ;'g;/L, vf]6Ë, cf]vn9'uf, ef]hk'/ , l;Gw'nL, wgs'6f, /fd]5fk, t]x|y'd, ;+v'jf;ef, ;f]n'v'Da', ;nf{xL / dxf]Q/L _ sf/f]jf/ ;+rfng ug]{ :jLs[lt kq g= sDklg /lhi6f/ lqk'/]Zj/jf6 ldlt @)&)÷)@÷#) ut] . :yfyL n]vf gDa/ M ^)!)$#$$^ cfGqLs /fh:j sfof{no nxfg l;/xf sf/f]jf/ ;+rfng ldlt M @)&)÷)#÷)! ut] ! j6f zfvfaf6
%= sfof{no ;DalGw lja/0f M– s]lGb|o sfof{no M
asw'jf ( dx'nL ;Kt/L kmf]g g+= )#!–$!!))^, $!!))%, $!!))& km\ofS; g+= )#!–$!!))* O{d]n M [email protected]
mahuli.slbsltd@gmail,com [email protected] j]e ;fO{6 M www.mslbsl.com.np
zfvf sfof{no M #& j6f ;Kt/L M -dx'nL, tf]kf, dn]7, s7f}+gf, /fhlj/fh, s'zxf, cgf{xf, dNxlgofF / l5Ggd:tf_ l;/xf M -nxfg, eujfgk'/ / sNof0fk'/ hjwL_ pbok'/ M -a]N6f/, ufO{3f6, /fdk'/ / d'/s'rL g]kfn6f/_, vf]6f· M - lbSt]n, cvf}{n] / vf]6f· ahf/_, ;'g;/L M -rt/f, af·] / em'Dsf_, cf]vn9'FUff M -/fdahf/ / dfg]e~Hof·_, ef]hk'/ M -ef]hk'/, 3f]8]6f/ / afnf+vf_, l;Gw'nL M -slknfsf]6, vlgofFvs{ / rsds] _, wgs'6fM -hf]/kf6L _, /fd]5fk M -/fd]5fk 8f8f_, t]x|y'dM -cf};L8f8f_, ;nf{xLM -uf]8}tf _, ;f]n'v'Da'M -g]n]_, dxf]Q/LM -/fduf]kfnk'/_, ;+v'jf;efM -g'd_
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s'n jrt M &%,*^,)!,$*%.– s'n C0fdf nufgL /xL/x]sf] /sd ?= !,^&,(@,%%,((@.– k|bfg ug]{ ;]jfx? M n3' shf{ M ;fd"lxs hdfgLdf clwStd ?= % nfv ;Dd / lwtf] hdfgLdf ?= & nfv ;Dd n3' jrt M u|fxs ;b:ox?af6 n3' ljdf Mn3'hLjg / kz'wg ljdf ljk|]Zg M ljleGg a}+s tyf ljk|]Zg sDkgLx? ;+usf] ;fem]bf/Ldf :jb]z tyf ljb]zaf6 k|fKt /sd k"FhL M clws[t k"FhL M #) s/f]8\ hf/L k"FhL M ( s/f]8\ r'Stf k"FhL M ^ s/f]8\ &= o; ljQLo ;+:yfsf] (VMGO) :–
s_ k/LsNkgf (Vision) : ljkGg ju{ /lxt ;fdfhsf] :yfkgf ug'{ g} o; ljQLo ;+:yfsf] Vision xf] . jf
ljQLo cj;/df kx'Fr u/fO lgDg ju{L{o :t/sf] ljsf; u/L ;fd'bfo tyf ;+:yfut lbuf]kgf sfod ug'{ g } o; ljQLo ;+:yfsf] Vision xf] .
v_ cleofg (Mission) ; n3'ljtsf] dfWodjf6 cy{ tGqdf ;jn agfpg'sf] ;fy} ljQLo jhf/df ;/ntf tyf ;xhtf Nofpg' g} o; ;+:yfsf] Mission x'g] 5 .
u_ nIo (Goal) M o; ljQLo ;+:yfsf] b]xfo adf]lhd nIo /x]sf] 5 . !_ Ps lbuf] tyf u'0f :t/Lo ljQLo k|0ffnLsf] ljsf; u/L ;+:yfut lbuf]kgf sfod ug]{ @_ cfpbf] !) jif{df /fi6«Lo :t/sf] ;+:yfsf] ?kdf :yflkt ug]{ . #_ cfpbf] @% jif{df cfly{s?kn] k5L k/]sf] lgDg juL{o ;fdfh z'Go x'g] 5 .
dx'nL ;fd'bflos n3'ljQ ljQLo ;+:yf ln= asw'jf – ( dx'nL
5]7f} jflif{s ;fwf/0f ;efdf
cWoIfHo"af6 k|:t't ;+rfns ;ldltsf] k|ltj]bg
;]o/wgL tyf pkl:yt dxfg'efjx?,
dx'nL ;fd'bflos n3'ljQ ljQLo ;+:yf ln= sf] 5}7f}+} jflif{s ;fwf/0f ;efdf pkl:yt x'g' ePsf ;]o/wgL nufot ;Dk"0f{ dxfg' efjx?nfO{ o; ljQLo ;+:yfsf] ;+rfns ;ldlt / d]/f] cfˆgf] tkm{af6 xflb{s :jfut ub{5' .
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o; ljQLo ;+:yfsf] clws[t k'+hL !% s/f]8, hf/L k'+hL $ s/f]8 r'Qmf k'+hL $ s/f]8 /x]sf] 5 . ;+:yfksx? k|a4{s u}/ ;/sf/L ;+:yf dx'nL ;fd'bflos ljsf; s]Gb|, NIC-Asia a}+s, l;h{gf kmfO{gf; u/L @ j6f ljQLo ;+:yf tyf cGo %$ hgf AoQmLx?sf] ;+:yfks z]o/ $ s/f]8 @) nfv /x]sf] 5 eg] ;j{ ;fwf/0f z]o/sf] ! s/f]8 *) nfv /x]sf] 5 . r'Qmf k'FhLsf] &)Ü ;+:yfks z]o; / #)Ü ;j{;fwf/0f z]o/sf] cg'kftdf /x]sf] 5 . qm=;= k'hL ljj/0f sfod x'g] :jfldTj
!= clws[t k'+hL #) s/f]8
@= hf/L k'+hL ( s/f]8
#= r'Qmf k'+hL !))Ü n] ^ s/f]8
z]o/ jfF8kmf8 M s ;+:yfks ;d'xjf6 !_ dx'nL ;fd'bfls ljsf; s]Gb| k|j4{s ;+:yf Ö @%Ü @_ NIC-Asia a}+s Ö %=Ü #_ ;[hgf kmfOgfG; Ö $=!Ü $_ JolQm ljz]if %$ hgf Ö #%=(Ü
hDdf &)Ü v_ ;j{ ;fwf/0f ;d'xjf6 !_ ;fd'lxs nufgL sf]if & j6f a}+s Ö !=%Ü @_ sd{rf/L !)& hgf Ö !=@Ü #_ ;j{ ;fwf/0f !)(@) hgf Ö @&=#Ü
hDdf #)Ü hDdf r'Qmf k'+hL &)ܱ#)Ü Ö !))Ü
@= g]kfndf n3'ljQ sfo{qmd M g]kfndf n3'ljQ ;DaGwL sfo{qmdn] sl/j b'O{ bzs otfb]lv Jofkstf kfPsf] 5 . ul/aL
Go"lgs/0fsf] nflu n3'ljQ ;DaGwL sfo{qmd Ps cfwf/e"t / ckl/xfo{ ;fwg aGg k'u]sf] 5 .
@)&% c;f]h d;fGt;Dd b]zdf …sÚ ju{ sf @* j6f jfl0fHo a}+sx?, …vÚ ju{ sf ## ljsf; a}+sx?, …uÚ ju{ sf @$ ljQ sDkgLx?, …3Ú ju{ sf ^* n3'ljQ ljsf; a}+s tyf ljQLo ;+:yfx? 5g\ eg] !) j6f cGo ljQLo ;+:yfx?, g]kfn /fi6« a}+saf6 :jLs[lt k|fKt u/L n3' shf{ sf/f]jf/ ug]{ @) j6f u}/ ;/sf/L FI ngo ;+:yfx? ;d]t hDdf !*# a}+s tyf ljQLo ;+:yfx? n3'ljQ If]qdf k|ToIf jf ck|ToIf ?kdf sfo{/t /x]sf 5g\ .
@)&% ;fn sflQ{s d;fGt;Dd o; ljQLo ;+:yfn] ^&*$^ 3/ kl/jf/sf ;fdflhs tyf cfly{s ?kn] pk]lIft tyf ljkGg ju{sf dlxnfx?nfO{ n3'ljQ ;]jf k'¥ofO{ cfly{s tyf ;fdflhs :t/ psf:g e"ldsf v]Nb} cfO/x]sf] 5 .
#= ljut jif{sf] sf/f]jf/sf] l;+xfjnf]sg M
b]zdf ljBdfg ;+qmd0fsfnsf] sf/0fn] b]zsf] ;du| cfly{s tyf ;fdflhs jftfj/0f ;xh / cg's"n /xg ;s]g . n3'ljQ ;]jf lbg] ;+:yfsf] ;+Vofdf j[l¢ eO{ Ps} sfo{If]qdf zfvf sfof{no lj:tf/;+u} ;b:osf] shf{df bf]xf]/f]kgfsf] ;d:of / k|lt:kwf{ a9b} uPsf] ;fy} lgods lgsfosf] n3'ljQ If]qnfO{ x]g]{ gh/ / jt{dfg lgtLx?sf] sf/0f c:j:y k|lt:kbf{, n3'ljQ ;b:ox?nfO{ eO{ /x]sf] cToflws C0f ef/ Rofp em} pd/]sf] n3'ljQ ;+:yfn] af8g] C0f cfsf/ tyf xfn o; If]qdf ePsf] nufgL of]Uo k"FhLsf] cefjsf sf/0f n3'ljQ Joj;fodf klg r'gf}tLk"0f{ / hf]lvdk"0f{ cj:yf /x\of] . h;n] ubf{ zfvf lj:tf/ lnPsf] nIo cg';f/sf] pknlAwx? Xfl;n x'g ;s]g .
o; a}+ssf] cf=j= @)&#÷&$ / cf=j= @)&$÷&% sf] sfo{ k|ult tyf ljQLo l:yltsf] t'ngfTds ;+lIfKt ljj/0f M
qm=;= ljj/0f cf=j=
@)&#÷)&$ cf=j=
@)&$÷)&% a[l4 Ü
cf=j= @)&$÷)&%
cf=j= @)&%÷)&^ j[l4 Ü
sflQ{s sflQ{s
! z]o/ r'Qmf k'FhL 60,000.00 72,000.00 20.00% 60,000.00 72,000.00 20.00%
@ hu]8f sf]ifx? 110,007.28 141,450.22 28.58% 150,029.51 154,938.32 3.27%
# ;fwf/0f hu]8f sf]if 25,132.55 28,854.64 14.81% 28,157.91 31,398.49 11.51%
$ ;+lrt d'gfkmf 71,174.02 72,713.66 2.16% 82,972.92 82,821.65 -0.18%
% ltg{ afsL shf{ 517,227.95 732,172.75 41.56% 507,331.37 745,438.87 46.93%
^ lgIf]k tyf bfloTj 594,966.42 715,766.29 20.30% 634,772.99 758,601.49 19.51%
& shf{ ;fk6 1,210,292.03 1,550,088.03 28.08% 1,287,927.28 1,635,511.97 26.99%
* v'b d'gfkmf 38,719.10 18,610.43 -51.93% 15,126.79 13,095.61 -13.43%
( k"+hL sf]if k|ofKtf k|ltzt 13.15% 10.52% -19.99% 15.35% 11.00% -28.31%
!) lgis[o shf{ 22,194.39 29,137.87 31.28% 22,220.14 30,016.92 35.09%
s_ z]o/ k"hL
o; ljQLo ;+:yfsf] cf=j= @)&$÷)&% sf] cfiff9df @)Ü n] jl4 eO{ ? &=@) s/f]8 k'u]sf] 5 h;df !=@) s/f]8 af]g; z]o/ ;dfa]z ePsf] 5, eg] ;ldIff jif{sf] lx;fan] u0fgf ug]{ xf] eg] )&$ sf] sflQ{s d;fGt b]vL jif{sf] )&%÷)&^ sf] sflQ{s d;fGt @)=)Ü n] g} j[l4 eO{ & s/f]8 @) nfvf k'u]sf] 5 .
v_ ;fwf/0f hu]8f sf]if M To:t}, ;fwf/0f hu]8f sf]ifdf ut cf=j= df ?= @ s/]f8 %! nfv #@ xhf/ % ;o %) lyof] eg] cf=a= @)&$÷)&% df !$=*!Ü n] j[l4 eO{ ?= @ s/]f8 ** nfv %$ xhf/ ^ ;o #& ;+lrt
ePsf] 5 eg] ;ldIff jif{df !!=%!Ü n] j[l4 eO{ ? # s/f]8 !# nfv (* xhf/ $ ;o () k'u]sf] 5 .
u_ ;+lrt d"gfkmf M– ;+lrt d"gfkmfdf @=!^Ü n] j'l¢ eO{ ?= & s/f]8 @& nfv !# xhf/ ^ ;o %% /x]sf] 5 . ut jif{ eGbf sd x'g'df o; cf=a=df )&@÷)&# sf] s/ ;dfof]hg tyf k|:tfj ul/Psf] @)Ü af]g; z]o/ / !=)@@&Ü gub nfef+z lbg] k|:tfljt /sd ;dfof]hg ul/Psf]n] 36g uPsf] xf] . ;ldIff jif{df –)=!*Ü n] 36guO{ ?= * s/f]8 @* nfv @! xhf/ ^ ;o %@ /x]sf] 5 .
ª_ ltg{ afFsL shf{ M ltg{ afFsL shf{ $!=%^Ü n] j'l¢ eO{ ?= &# s/f]8 @! nfv &@ xhf/ & ;o %# /x]sf] 5 . eg] ;ldIff jif{df $^=(# Ü n] j[l4 eO{ &$ s/f]8 %$ nfv #* xhf/ * ;o ^& /x]sf] 5 .
r_ lgIf]k bfloTj M lgIf]k bfloTj @)=#)Ü n] j'l¢ eO{ ?= &! s/f]8 %& nfv ^^ xhf/ @ ;o () /x]sf] 5 eg] ;ldIff jif{df !(=#!Ü n] j[l4 eO{ &% s/f]8 *^ nfv ! xhf/ $ ;o $% /x]sf] 5 . art cg'kftdf s]xL xf|; cfPsf] 5 . shf{ k|jfxdf a[l4 ePsf]n] cg'kft 36]sf] xf] .
5_ shf{ ;fk6 tyf ljN; vl/b M shf{ ;fk6 tyf ljN; vl/bdf @*=)*Ü n] j'l¢ eO{ ?= ! cj{ %% s/f]8 ) nfv ** xhf/ ) ;o ## /x]sf] 5 eg] ;ldIff jif{df @^=((Ü n] j[l4 ?= ! cj{ ^# s/f]8 %% nfv !! xhf/ ( ;o &) /x]sf] 5 .
h_ v'b d'gfkmf M
v'b d'gfkmfdf %!=(#Ü n] 36]/ ? ! s/f]8 *^ nfv !) xhf/ $ ;o @^ sfod ePsf] 5 eg] h'g o; jif{ C0fsf] Joa:yfkg vr{, k'hLsf]if vr{ a9gfn] / ljut jif{sf] s/ ;dfof]hg ug'{ k/]sf]n] 36g uPsf] xf] . ;ldIff jif{df !#=$#Ü n] 36]sf] 5 @)&% sflQ{s d;fGt ;Dddf ? ! s/f]8 #) nfv (% xhf/ ^ ;o !) sfod ePsf] 5 .
em_ k"FhL sf]if k|ofKtf M k"FhL sf]if k|ofKtfdf ut jif{sf] t'Ngfdf !(=((Ü n] 36g uO{ !)=%@Ü sfod /xof] eg] ;ldIff jif{sf] ;f]xL cJwLdf @*=#!=#^Ü n] 36g uO{ !!Ü /x]sf]] 5 / tf]s]sf] dfkb08 k'/f ug{ ;kmn ePsf] 5 .
`_ lgis[o shf{ M lgos[o shf{ ut jif{sf] t'Ngfdf #!=@*Ü n] k[l4 eO{ ?= @ s/f]8 (! nfv #& xhf/ * ;o &@ /x]sf] 5 . h'g j[l4 x'g'df c:j:Yo k|lt:kwf{, ;b:o bf]xf]/f]kgf / ljleGg ljQLo ;+:yfx?n] ;b:osf] Ifdtf eGbf C0fsf] ef/ a9L x'g' xf] . ;ldIff jif{df #%=)(Ü n] j[l4 eO{ ?= # s/f]8 ) nfv !^ xhf/ ( ;o !* k'u]sf] 5 .
$_ /fli6«o tyf cGt/f{li6«o kl/l:yltjf6 sf/f]jf/df k/]sf] c;/ M cGt/f{li6«o kl/l:yltn] xfd|f] o; ljQLo ;+:yfsf] sf/f]af/df c;/ k/]sf] cj:yf xfn;Dd b]lvPsf] 5}g t/ /fli6«o kl/l:yltn] eg] s]xL c;/ kf/]sf] 5 . b]zdf /fhgLlts l:y/tf cem} klg sfod g/x]sf] sf/0fn] cfly{s / ;fdflhs kIfdf s]xL c;/x? ljwdfg} /x]sf] b]lvG5 . n3'ljQx?sf] ;+Vofdf a9f]t/L, c:j:y k|ltikwf{, ;b:ox?df shf{sf] ef/, C0f k'hLsf] cfefj h;tf tTjx?jf6 o; ljQLo ;+:yfsf] sf/f]af/df s]xL c;/ kg{ uPsf] 5 .
%_ cfGqLs kl/l:yltjf6 k|ult tyf sf/f]jf/df k/]sf] c;/ M jfXo kl/:yLlt eGbf cfGqLs kl/:yLltjf6 o; ljQLo ;+:yfdf k|ult sf/f]jf/ s]xL k|efljt ePsf] b]lvG5 . nufgL of]Uo k"FhLsf] cefj, k'hLsf]if k|ofKttfsf] sf/0fn] sf/f]jf/ a9fpg g;s]sf] cj:yf /x]sf] lyof] eg] sd{rf/Lx?sf] 5f]8g] b/n] klg k|efljt x'g k'Uof] . shf{ tyf ;fk6sf] nflu pRr Jofh b/sf] sf/0fn] cfjZos htL k"+hL cfoft ug{ g;s]sf] cj:yf /xof] .
^_ sfo{If]q tyf sfo{qmd lj:tf/ M cf=a= @)&$÷)&% df % lhNnf sfo{If]q ;d]t :jLs[tL k|fKt ul/Psf]df ;f] jif{ ^ j6f zfvf sfof{nox? yk u/]sf] / @)&% sflQ{s d;fGt ;Ddf yk # j6f zfvf yk ul/ xfn zfvf ;+Vof #& / lhNnf ;+Vof !% k'/f u/]sf] h:df ef]hk'/df ! -jfnf+vf_, ;Kt/L ! -l5Ggd:tf_, l;Gw'nL–! -rsds]_, t]x|y'd–! -cf};L8f8f_, ;nf{xL–! -uf]8}tf_, ;'g;/L–! -em'Dsf_, ;f]n'v'Da'–! -g]n]_, dxf]Q/L–! -/fduf]kfnk'/_ / ;+v'jf;ef–! -g'd_ yk ul/ !% lhNnfdf sfo{qmd lj:tf/ ug{ ;kmfn eO{ xfn ;Kt/L, l;/xf, ;'g;/L, pbok'/, ef]hk'/, vf]6fË, cf]vn9'+uf, l;Gw'nL, wgs'6f, /fd]5fk, t]x|y'd, ;+v'jf;ef, ;f]n'v'Da', ;nf{xL / dxfQ/L ul/ !% lhNnfdf #& j6f zfvff sfof{no dfkm{t ^&,*$^ ;b:o cfa4 eO{ %$,%(& ;b:ox?df shf{ sf/f]jf/ eO /x]sf] 5 .
&_ ;+rfns ;ldlt M o; ljQLo ;+:yfsf] ;+rfns ldlt @)&$ d+l;/ ( ut]df ;DkGg kfFrf}+ ;fwf/0f ;ef4f/f 5gf}6 ;+:yfks ;d"xjf6 $ hgf dWo] @ JolQmut z]o/ wgL / @ hgf dx'nL ;fd'bflos ljsf; s]Gb|jf6 k|ltlgTj ul/ /xg' ePsf]5 . ;+:yfut k|ltlglw >L k|e' gf/fo0f rf}w/L, / efgeQm lg/f}+nf tyf ;+:yfks z]o/wgLx?sf] tkm{af6 >L /f]zg s'df/ d+8/ / >L >L k|;fb rf}w/L ;j{;Ddtjf6 ;+rfns ;ldlt rog eO{ ;ldlt u7g ePsf] xf] . cf=a= @)&$÷)&% df hDdf a}7s ;+Vof !& j6f u/L o; ljQLo ;+:yfsf] sfo{ k|ult, ;+:yfdf cfO{ k/]sf] ;d:of tyf r'gf}tLx? jf/] a[xt 5nkmn u/L cfjZos lg0f{o u/L Joj:yfkg l6dnfO{ lgb]{zg lbOPsf] 5 . ;+rfns ;ldltsf] a}7s eQf ? ! nfv $! xhf/ dfq pknAw u/fPsf] 5 eg] ;ldIff cJwL ;Dddf % j6f a}+7s a;]sf] 5 . g]kfn /fi6« a}+ssf] lgb]{zgfg';f/ ;+rfnsx?sf] z';fzg ;DaGwL ! lbg] sfo{;fnf uf]i6Lsf] cfof]hgf ul/Psf] lyof] h;df g]kfn /fi6« a}+s zfvf lj/f6gu/sf lgb]{zs >L ljgf]b /fh cfrfo{n] k|lzIf0f lbg' ePsf] lyof] . To:t} ;+rfnsx?sf] cWoog canf]sgsf] ;d]t cfof]hgf ul/Psf] lyof] .
*_ k|d'v sfo{sf/L clws[t o; ljQLo ;+:yfsf] k|d'v sfo{sf/L clws[t >L Zofd sfGt rf}w/Ln] ldlt @)&$÷)#÷#! ut] af6 ! sfo{sf/n k'/f ul/ hfg' ePsf]df ;+rfns ;ldltsf] ldlt @)&$÷)#÷@& ut]sf] ^@ cf} a}+7ssf] lg0f{ofg';f/ ldlt @)&$÷)$÷)! b]lv nfu' x'g] ul/ ^ dlxgfsf] nfuL ;ldltsf] cWoIfn] sfo{sf/L cWoIfsf] ?kdf k|d'v sfo{sf/L clws[tsf] sfdsfh ;DxfNb} cfpg' ePsf]df ldlt @)&$÷)*÷!* ut]sf] ;+rfns ;ldltsf] &@ cf}+ a}+7ssf] lg0f{ofg';f/ ;+rfns ;ldlt tkm{af6 k|ltlglwTj x'g] u/L >L /f]zg s'df/ d08/ Ho'nfO{ k|jGw ;+rfnssf] ?kdf k|d'v sfo{sf/L clws[tsf] kbef/ ;DefNg] ul/ lgo"Qm ul/Psf] 5 ;fy} pxfFsf] sfo{ cjwL $ jif{sf] x'g]5 . cf=a= @)&$÷)&% df pxfFsf] & dlxgf !@ lbgsf] tnj tyf ;'ljwfdf sDkgLsf] lgodfjnLsf] lgod g= #@ adf]lhdsf] clwgdf /lx % nfv $& xhf/ & ;o %* ?k}of pknAw u/fPsf] 5 .
(_ sf/f]af/nfO{ c;/ kfg]{ d'Vo s'/fx? M b]zleqsf] jt{dfg /fhg}lts cj:yf cfly{s jftfj/0f ljsf;sf nflu k"0f{?kn] cg's"n eO;s]sf] 5}g . g]kfn /fi6« a}+s nufotsf lgods lgsfon] ug]{ lgodg, lgb]{zgsf] kl/jt{gaf6 l;h{gf x'g ;Sg] ;Defljt hf]lvd k|lt klg ;b}j ;hu /xg' k/]sf] 5 . o; afx]s lgDg s'/fn] a}+ssf] sf/f]af/nfO{ c;/ kfg]{ b]lvG5 .
!_ n3'ljQ ;]jf k|bfos ;+:yfx? tyf ltgsf zfvf j[l¢n] k|lt:kwf{ cem a9\g] tyf ;]jfu|fxLn] PseGbf a9L o:tf ;+:yfsf] ;b:otf lnO{ shf{ lng ;Sg] ;Defjgf lbg k|ltlbg a9\b} uPsf] / c:j:y k|lt:kwf{n] u|fxs knfog, C0f c;'nLdf sl7gfO{ h:tf ;d:of pTkGg x'g ;Sg] b]lvG5 .
@_ ljwdfg g]kfn /fi6« a}+ssf] lgb]{zg kZrft …sÚ ju{sf jfl0fHo a}+sx?, …vÚ ju{sf ljsf; a}+sx?n] klg Branchless Banking, Mobile Banking sf] dfWodaf6 ljkGg ju{df shf{ nufgLsf] bfo/f lj:tf/ u/]sf]n] eljiodf a9\g hfg] k|ltikwf{k|lt ;hu /xg'kg{] ePsf] 5 .
#_ nufgL of]Uo k"FhL sf]if k|ofKtfsf] cfefjn] shf{ nufgLdf k|ToIf c;/ k/]sf] xf] . lgodgsf/L lgsfon] lgtLut Joa:yfdf u/]sf] kl/jt{gn] of] c;/ kg{ uPsf] xf] .
oL c;/nfO{ Go"lgs/0f ub}{ ;+:yfnfO{ k|efjsf/L 9+un] cufl8 a9fpg k|oTg/t 5f}+ . o; sfo{df z]o/wgL dxfg'efjx?af6 ;sf/fTds ;Nnfx, ;'emfjx?sf] ck]Iff ul/Psf] 5 / k|fKt x'g] g} 5 .
!)_ dfgj ;+zfwg tyf tflnd M o; ljQLo ;+:yfsf]] sf/f]jf/ ;+rfngsf] nflu ;dLIff cjlwdf !*& hgf sd{rf/L sfo{/t /x]sf 5g\ . ut jif{sf] df}h'bf sd{rf/Lx? dWo] @ hgf sd{rf/L lgltut sfo{jfxLdf k/]/ cjsf; kfPsf] 5 . ;dLIff
cjlwdf ljleGg txsf sd{rf/Lx?nfO{ ljleGg lsl;dsf ;–z'Ns Ifdtf clea[l4 tflnddf efu lng k7fOof] / bIf hg zlQm lgdf{0f ug{ lg/Gt/ rfn' /xg] 5 . k|d'v sfo{sf/L clws[tnfO{ cGt/fli6«o b]zdf n3'ljt ;DalGw e|d0f u/fOPsf] 5 . rfn" cfly{s jif{sf] afFsL cjlwdf klg sd{rf/Lx?nfO{ Ifdtf clej[l4 ug{ cfjZos tflnd k|bfg ug{ ljz]if hf]8 lbOg]5 .
u|fxs ;b:ox?sf nflu ljleGg ! j6f tflnd uf]i7L ;+rfng u/L $) hgfnfO{ zLk tyf Ifdtfa[l4 tflnd lbOPsf] 5 eg] #$ j6f zfvfdf #$@& hgf s]Gb| k|d'vx?nfO{ k'gtf{huL tflnd ;DkGg ul/Psf] 5 . To:t} #$ j6} zfvfx?sf s]Gb|x?df ljQLo ;fIf/tf sfo{qmd ;+rfng ul/Psf] lyof] . To:t} :yflgo gj lgjf{lrt hg k|ltlgwLx?sf] :jfutd sfo{qmd ul/Psf] h:df &! hgf :yflgo lgsfosf kbflwsf/Lx? ;xefuL ePsf lyof] .
Joj:yfkg / sd{rf/L aLr lgoldt ;Dks{, ;dGjo / ;+rf/sf] nflu zfvf / s]Gb|Lo÷skf]{/]6 sfof{no :t/df lgoldt sd{rf/L a}7s a;L dxTjk"0f{ ljifox?df lg0f{o ln+bf /fo ;'emfj lng'sf] ;fy} zfvf k|aGws / skf]{/]6 sfof{nosf sd{rf/Lx?sf] ;+o'Qm uf]i7L ;+rfng u/L sfd sfjf{xLdf ;dGjo / Ps?ktf Nofpg] sfo{nfO{ lg/Gt/tf lbOPsf] 5 . ;+rfns ;ldltsf] ;b:osf] ;+of]hsTjdf sd{rf/L Joj:yfkg / ;]jf ;'ljwf ;ldlt u7g u/L sd{rf/Lsf] j[lQ ljsf; / ;]jf ;'ljwf j[l¢ ;DaGwdf pQm ;ldltaf6 k|fKt ;'emfjsf] cfwf/df lg0f{o lng] kl/kf6L sfod ul/Psf] 5 . sd{rf/L Joj:yfkg tyf ;]jf ;'ljwf ;ldltnfO{ ? ======== xhf/ a}7s eQmf pknAw u/fPsf] 5 . ;fy} sd{rf/Lx?sf] bIftf clej[4sf] nfuL ljlGg tflnd tyf cjnf]sg cWoog e|d0fsf] cfof]hgf ul/Psf] lyof] h:df ahf{ ljZn]if0f tflnddf ^@ hgf, cfGtl/s cjnf]sg e|d0f !) hgf, gj k|j]zL sd{rf/Lx?nfO{ cfwf/e't n3'ljQ tflnddf $) hgf, cfwf/e't n3'ljQ tflnsdf ## hgfsf] ;xefuLtf /x]sf] lyof] .
!!_ n]vfk/LIf0f k|ltj]bg / ;+rfns ;ldltsf] k|ltlqmof M
lgoldt sf/f]af/sf ;fdfGo s'/fx? Affx]s n]vfk/LIf0f k|ltj]bgdf s'g} gsf/fTds s'/f pNn]v 5}g . n]vfk/LIfssf] k|ltj]bgaf6 k|fKt ;'emfjx?df ;+rfns ;ldltsf] Wofgfsif{0f ePsf] 5 . n]vfk/LIfsn] lbg'ePsf Jojxfl/s ;'emfjx?nfO{ b}lgs sfd sf/afxLsf qmddf cg'z/0f ug{ Joj:yfkgnfO{ lgb{]zg lbOPsf] 5 .
!@_ cfGtl/s lgoGq0f k|0ffnL M
ljQLo sf/f]jf/df lglxt shf{ hf]lvd, ahf/ hf]lvd tyf ;~rfng hf]lvd nufotnfO{ dWogh/ ub}{ ljQLo ;+:yfn] cfGtl/s lgoGq0f k|0ffnLnfO{ bx|f] agfpg] gLlt cjnDag ul/b}5 . ljQLo ;+:yfsf] sf/f]af/df /x]sf hf]lvd Joj:yfkg tyf Go"lgs/0fsf] nflu hf]lvd Joj:yfkg pk;ldlt u7g ePsf] 5 . ;+:yfsf] gLlt, lgod tyf kl/kqx?sf] kl/kfngfsf] cj:yf lg/Gt/?kdf cg'udg ug{ cfGtl/s n]vfk/LIf0f ;ldlt / cfGtl/s n]vfk/LIf0f ljefusf] Joj:yf /x]sf] 5 . cfGtl/s lgoGq0f ;an agfpgsf] nflu ;+:yfaf6 ;+rfns ;ldltn] Ps pRr :tLo cg'ud0f ;ldlt ;d]t u7g u/]sf] 5 . lgoldt cg'udg, cfGtl/s n]vf k/LIf0f, k|zf;lgs lgoGq0f, dfl;s a}7s / jflif{s ;dLIff u/L cfjZos ;Nnfx / ;'emfax? ;+sng ug]{ ul/Psf] 5 . To;} u/L ;+:yfnfO{ ;';+rfngsf nflu cfjZos gLlt, lgod, ljlgod tyf lgb]{lzsfx? th'{df u/L sfof{Gjogdf Nofpb} ul/Psf] / cfjZostf cg';f/ yk tyf kl/dfh{g ub}{ nlug]5 .
!#_ n]vf k/LIf0f ;ldlt M
o; ljQLo ;+:yfsf] ;~rfns ;ldltsf ;b:ox? >L >L k|;fb rf}w/Lsf] ;+of]hs / :jtGq ;+rfns >L s]zj k|;fb e08f/Lsf] ;b:o tyf cfGtl/s n]vfk/LIf0f ljefu k|d'v ;lxt hDdf # hgfsf] n]vfk/LIf0f ;ldlt /x]sf] 5 . ;f] ;ldltn] ljQLo l:yltsf] ;dLIff, cfGtl/s lgoGq0f, hf]lvd Joj:yfkg, n]vfk/LIf0f sfo{qmd th{'df / n]vfk/LIf0fsf] kl/0ffd ;DaGwdf lj:t[t 5nkmn u/L ;~rfns ;ldltdf cfkm\gf] /fo tyf ;'emfj k]z ug{] u/]sf] 5 . ;~rfns ;ldltn] n]vfk/LIf0f ;ldltaf6 k|fKt /fo tyf ;'emfjsf] cfwf/df Joj:yfkgnfO{ ;do ;dodf cfjZos lgb]{zg lbg] u/]sf] 5 / lgltut j]?h' x'g] /sdx? tyf sfo{x?df uDeL/k'j{s Wofg lbO{ c;'n pk/ ;d]t u/fpg nufPsf] 5 . ;fy} afXo n]vfk/LIfssf] k|ltj]bgdf cf}NofPsf s}lkmotx?dfly lj:t[t 5nkmn u/L k|:t't ug]{ u/]sf] 5 .
o;af6 ljQLo ;+:yfsf] sfd sf/jfxL Jojl:yt agfpg of]ubfg k'u]sf] Joxf]/f d oxfF pNn]v ug{ rfxG5' . ;dLIff cf=j=df o; ;ldltsf kbflwsf/LnfO{ a}7s eQf afkt cfly{s jif{ e/Ldf hDdf ?= @$)))
xhf/ k|bfg ul/Psf] 5 .
!$_ = k|ltj]bg jif{sf] cfDbfgL vr{ ljj/0f M
s_ cfDbfgL l:ylt M @)&% cfiff9 d;fGtsf]
qm=;= cfDbfgL ljj/0f cg';rL cf=j=
@)&#÷)&$ cfiff9 d;fGtsf]
cf=j= @)&$÷)&%
cfiff9 d;fGtsf] a[l4 a[l4 Ü
! Jofh cfDbfgL $=!$ 232,696.87 252,498.67 19,801.80 8.51%
@ sdLzg tyf ;+rfng cfDbfgL $=!^ 2,523.16 31,527.95 29,004.79 1149.54%
;Defljt gf]S;fgL Aoj:yfx? $=@! - 1,239.54 1,239.54 100.00%
hDdf sf/f]jf/ cfDbfgL 235,220.03 285,266.16 50,046.13 21.28%
s'n ;+:yfut vr{ 172,293.27 226,125.76 80,290.47 46.60%
$ sf/f]jf/ gfkmf÷gf]S;fg 62,926.76 59,140.39 -30,244.33 -25.32%
sd{rf/L af]g; Joj:yf 6,292.68 5,376.40 110,534.80 71.93%
s/ Joj:yf vr{ 17,914.98 35,153.57 17,238.59 96.22%
v'b d'gfkmf 38,719.10 18,610.43 -20,108.68 -51.93%
v_ Joj:yfksLo vr{ / gfkmf gf]S;fg
qm=;= vr{ ljj/0f cg';rL cf=j=
@)&#÷)&$ cfiff9 d;fGtsf]
cf=j= @)&$÷)&%
cfiff9 d;fGtsf]
a[l4 a[l4 Ü
! sd{rf/L vr{ $=!& 54,580.10 72,892.89 18,312.78 33.55%
@ ;+rfng vr{ $=!* 17,061.01 19,800.48 2,739.46 16.06%
# Jofh vr{ $=!% 82,208.71 120,369.35 38,160.64 46.42%
hDdf sf/f]jf/ tyf vr{ 153,849.83 213,062.72 59,212.89 38.49%
$ ;Defljt gf]S;fgL Joj:yf $=!( 18,443.44 13,063.05 -5,380.39 -0.29
s'n ;+:yfut vr{ 172,293.27 226,125.76 64,593.28 37.49%
;ldIff jif{sf] cfDbfgL ljj/0f
qm=;= vr{ ljj/0f cg';rL cf=j= @)&$÷)&% sflQ{s d;fGtsf]
cf=j= @)&%÷)&^ sflQ{s| d;fGtsf]
a[l4 a[l4 Ü
! Jofh cfDbfgL $=!$ 81,405.77 95,881.86 14,476.09 17.78%
@ sdLzg tyf ;+rfng cfDbfgL $=!^ 8,623.91 10,117.70 1,493.79 17.32%
;Defljt gf]S;fgL Aoj:yfx?
1,915.11 1,888.27 (26.85) -1.40%
hDdf sf/f]jf/ cfDbfgL
91,944.79 107,887.82 15,943.03 17.34%
s'n ;+:yfut vr{
69,429.00 86,760.38 17,331.38 24.96%
$ sf/f]jf/ gfkmf÷gf]S;fg 22,515.79 21,127.44 -1,388.35 -6.17%
sd{rf/L af]g; Joj:yf
2,251.58 1,920.68 -330.90 -14.70%
s/ Joj:yf vr{
5,137.42 6,111.15 973.74 18.95%
v'b d'gfkmf 15,126.79 13,095.61 -2,031.18 -13.43%
!%_ = ;ldIff jif{sf] Joj:yfksLo vr{ / gfkmf gf]S;fg l:ylt M @)&% sflQ{s d;fGtsf]
qm=;= vr{ ljj/0f cg';rL cf=j= @)&$÷)&% sflQ{s d;fGtsf]
cf=j= @)&%÷)&^ sflQ{s| d;fGtsf]
a[l4 a[l4 Ü
! sd{rf/L vr{ $=!& 27,591.71 27,169.19 -422.52 -1.53%
@ ;+rfng vr{ $=!* 4,757.64 6,784.12 2026.48 0.43
# Jofh vr{ $=!% 34,383.20 51,595.29 17212.09 0.50
hDdf sf/f]jf/ tyf vr{ 66,732.55 85,548.60 18816.05 28.20%
$ ;Defljt gf]S;fgL Joj:yf $=!( 26,964.52 1,211.79 -25752.73 -95.51%
s'n ;+:yfut vr{ 93,697.07 86,760.38 -6936.69 -7.40%
s_ cfly{s jif{ @)&$÷&% df ?= @% s/f]8 @$ nfv (* xhf/ ^ ;o ^* Jofh c;'nL ePsf] 5 . ut jif{ of] /sd 23,26,96,872/ lyof] . h'g !*=%!Ü j[l4 ePsf] 5 . cGo cfDbfgLdf /]dL6fG;, C0f ;]jf z'Ns, sldzg tyf ljljw cfDfbfgL ? # s/f]8 !% nfv @& xhf/ ( ;o $% ?k}of %( k};f cfDbfgL ePsf] 5 . ut jif{sf] t'ngfdf !!$(=%$Ü n] a[l4 ePsf] 5 .
cfly{s jif{ @)&$÷&% df o; ljQLo ;+:yfsf] s'n vr{x? ?= @@ s/f]8 ^! nfv @% xhf/ & ;o ^$ ?k}of ** k};f dWo] dWo] & s/f]8 @* nfv (@ xhf/ * ;o *^ k};f (! sd{rf/L tnj eQf zLif{sdf vr{ ePsf] 5 . of] vr{ s'n vr{sf] #@=@$ Ü ePsf] 5 eg] ;+rfng vr{ lzif{sdf ! s/f]8\ (* nfv ) xhf/ $ ;o &% ?k}of !) k};f vr{ ePsf] 5 / of] vr{ s'n vr{sf] *=&^Ü /x]sf] 5 . To;} u/L ljQLo vr{df ? !@ s/f]8 # nfv ^( xhf/ # ;o %$ k};f *& o; lzif{sdf vr{ ePsf] 5 h'g s'n ;+rfng vr{sf] %#=@#Ü k'u]sf] 5 . To:t} ;Defljt gf]S;fgL Joj:yf vr{ ? ! s/f]8 #) nfv ^# xhf/ ) ;o $* ePsf] 5 h'g s'n ;+rfng vr{sf] %=&*Ü /x]sf] 5 .
v_ ;ldIff jif{sf] t'NgfTds ljZn]if0ffTds l:yltM !_ nufgL c;'nL l:ylt M
ut jif{ o; ljQLo ;+:yfn] s'n o; jif{ s'n @ cj{ ^( s/f]8 & nfv #^ xhf/ % ;o shf{ ljt/0f u/]sf]df To;} u/L o; ;ldIff jif{sf] >fj0f b]vL sflQ{s d;fGt ;Dddf ? (% s/f]8 !^ nfv () xhf/ % ;o nufgL ePsf] 5 eg] ut jif{sf] ;f]xL calwdf pQm shf{ k|jfx *) s/f]8 *^ nfv () xhf/ %)) ePsf] lyof] . h'g ut ;ldIff jif{ eGbf !&=^*Ü n] a[l4 ePsf] 5 . To;} u/L ut ;ldIff jif{df ? &# s/f]8 @ nfv &# xhf/ ( ;o ! shf{ c;'nL u/]sf] lyof] eg] o; jif{ ;f]xL calwdf ? *^ s/f]8 ^( nfv $# xhf/ $ ;o #) ?k}of shf{ c;'nL ePsf] 5 h'g ut ;ldIff jif{sf] t'Ngfdf !*=&!Ü n] a[l4 ePsf] 5 . efvf gf3]sf] shf{sf] sf/0f c;'nL sd ePsf] 5 / c;'nL k|ltzt ((=^^ /x]sf] 5 . To;t} ut ;ldIff jif{df efvf gf3]sf] /sd ? @ s/f]8 @@ nfv @) xhf/ ! ;o $! /x]sf]df o; ;ldIff jif{df pQm /sd ? ^( nfv *% xhf/ & ;o $ n] a[l4 eO{ ? # s/f]8 @ nfv % xhf/ * ;o $% k'u]sf] 5 . h'g ut jif{sf] t'Ngfdf #%=($Ü n] a[l4 ePsf] 5 .
@_ Jofh c;'nL M ;ldIff jif{df @)&% sflQ{s d;fGtsf] cGtdf Jofh cfDbfgL ? ( s/f]8 %* nfv *! xhf/ * ;o %( k};f $( c;'nL ePsf] 5 eg] ut jif{ @)&$ sflt{s d;fGtsf] cGtdf Jofh cfDbfgL ? * s/f]8 !$ nfv % xhf/ & ;o ^% k};f (# c;'nL ePsf] lyof] . ut jif{sf] t'Ngfdf of] /sd ! s/f]8 $$ nfv &^ xhf/ ) ;o (# k};f %^ cyf{t !&=&*Ü n] a[l4 ePsf] 5 . To;} u/L cGo cfDbfgL lzif{sdf ?= ! s/f]8 ! nfv !& xhf/ ^ ;o (% k};f *! ePsf] 5 eg] ut jif{sf] t'Ngfdf !&=#@Ü n] a[l4 ePsf] 5 .
To;t} ;ldIff jif{sf] vr{ ljZn]if0f ubf{ o; ljQLo ;+:yfsf] s'n vr{ ? * s/f]8 ^& nfv ^) xhf/ # ;o *# k};f !% /x]sf] 5 . ut jif{sf] t'Ngfdf s'n vr{df ? ! s/f]8\ &# nfv #! xhf/ #
;o *@ k};f &! n] a[l4 ePsf] 5 . h'g ut ;ldIff jif{sf] t'nfdf @$=(^Ü n] a[l4 ePsf] 5 . o; rfn' jif{sf] ;ldIff jif{df s'n vr{ dWo] @ s/f]8 &! nfv ^( xhf/ ! ;o ($ k};f !% sd{rf/L tnj eQmf tyf ;'ljwf lzif{sdf ePsf] 5 h'g s'n vr{sf] #!=#@Ü /x]sf] 5 / ut jif{sf] t'Ngfdf bzdnj !=%#Ü n] 36]sf] 5 . To;t} ;+rfng vr{ lzif{sdf ? ^& nfv *$ xhf/ ! ;o !^ k};f ## ePsf] 5 h'g s'n vr{sf] &=*@ Ü dfq /x]sf] 5 . ut jif{sf] ;ldIff jif{ eGbf )=$#Ü n] j9]sf] 5 . To;t} ljQLo vr{ lzif{sdf ? % s/f]8 !% nfv (% xhf/ @ ;o *% k};f ^* ePsf] 5 h'g ut jif{sf] ;ldIff jif{ eGbf )=%)Ü n] a[l4 ePsf] 5 eg] s'n vr{sf] %(=$&Ü /x]sf] 5 .
u_ d'gfkmf l:ylt o; ljQLo ;+:yfsf] ut cfly{s jif{ @)&$÷&% df ? ! s/f]8 *^ nfv !) xhf/ $ ;o @% k};f %^ v'b d'gfkmf ePsf] lyof] h'g ut o; cf=j= sf] t'Ngfdf %!=(#Ü n] 36]sf] lyof] .
To:t} ;ldIff jif{df v'b d'gfkmf ! s/f]8 #) nfv (% xhf/ ^ ;o !) k};f )& ePsf]df pQm d'gfkmf ToxL calwdf ? @) nfv #! xhf/ ! ;o *# k};f !( n] 36]sf] 5, h'g ut ;ldIff jif{ eGbf !#=$#Ü n] 36]sf] xf] .
3_ d'gfkmf af+8kmf8
cf=j= @)&$÷)&% df o; ljQLo ;+:yfn] k|lt ;]o/ ?= @%=*% cfDbfgL u¥of] . o; jif{sf] v"b d'gfkmf ? ! s/f]8 *^ nfv !) xhf/ $ ;o @% k};f %^ dWo] @) Ü n] x'g] /sd ? #& nfv @@ xhf/ ) ;o *% k};f !! ;fwf/f0f hu]8f / !Ü n] x'g] /sd ?= ! nfv *^ xhf/ ! ;o $ ;+:yfut pQ/bfloTj sf]ifdf, To:t} !Ü / yk @)Ü eGbf a9L nfef+; af8] jfktsf] /sdsf] @%Ü ul/ hDdf ?=# nfv $$ xhf/ ) ;o ( ?k}of u|fxs ;+/If0f sf]if (Client Protection Fund) / sd{ref/L bIftf clej[l4 jfkt cf=a =@)&$÷)&% df vr{ #Ü vr{ geP jfktsf] /sd ?= ! nfv *^ xhf/ ( ;o &# ?k}of !) k};f sd{ref/L bIftf clej[l4 sf]ifdf ;fl/Psf] 5 eg] afFsL !% nfv #( xhf/ ^ ;o #$ k};f #% ;+lrt d'gfkmf lx;fjdf /flvPsf] 5 .
ª_ k|lt z]o/ cfDfbfgL
;ldIff jif{ @)&$ sflQ{ssf] cGtdf o; ljQLo ;+:yfn] k|lt z]o/ ? #&.*@ cfDbfgL u/]sf] lyof] eg] o; ;ldIff jif{df k|lt z]o/ ? !*=!( cfDbfgL /x]sf] 5 .
r_ nufgLdf hf]lvd M
ut ;ldIff jif{df shf{ nufgL hf]lvd !=^*Ü /x]sf]df o; ;ldIff jif{df ;f]xL calwdf shf{ nufgL hf]lvd !=&(Ü /x]sf] 5 . ut jif{sf] eGbf ;f]xL calw )=!!Ü n] j9]sf]] 5 .
5_ ;Dkltdf k|ltkmn M
ut ;ldIff jif{df ;Dkltdf k|ltkmn $=&*Ü /x]sf]df o; ;ldIff jif{df ;f]xL calwdf pQm k|ltkmn !=@%Ü n] 36]/ eO{ #=%#Ü k'u]sf] 5 .
h_ k"FhLdf k|ltkmn
ut ;ldIff jif{df k"FhLdf k|ltkmn #%=%%Ü /x]sf]df o; ;ldIff jif{df ;f]xL calwdf pQm k|ltkmn ^=&% Ü n] x|f; eO{ @*=*)Ü df k'u]sf] 5 .
cGtdf M
o; ljQLo ;+:yfnfO{ ;]jf ug{] dxTjk"0f{ cj;/ lbP/ uf}/jk"0f{ cj:yf;Dd k'¥ofpg] u|fxs ;b:o dlxnfju{nfO { xflb{s wGojfb k|bfg ub{5' . ;b:ox?af6 o; ;+:yf k|lt b]vfPsf] ljZjf;nfO{ sb/ tyf ;x|fgf ub}{ ;d:t ;b:o dxfg'efjx?nfO{ ljz]if wGojfb lbg rfxG5' .
;+:yfsf] sfo{ ;Dkfbgdf lg/Gt/ ;xof]u, k|f]T;fxg / dfu{bz{g u/L ;xof]u ug{] ;a} ;]o/wgL ;+:yf tyf dxfg'efjx?, g]kfn ;/sf/, g]kfn /fi6« a}+s, dx'nL ;fd'bflos ljsf; s]Gb| nufot ;a}nfO{ xflb{s cfef/ k|s6 ub{5' .
kl/>dsf ;fy ;dodf g} n]vfk/LIf0f ;DkGg ul/lbg] n]vfk/LIfs tyf ;+:yfsf] pGglt k|ultdf cfkm\gf] If]qaf6 cf–cfkmgf] sfo{ ;'rf??kn] ;+rfng u/L ;+:yfsf] sfo{;kmntfdf of]ubfg k'¥ofpg] k|d'v sfo{sf/L clws[t ;lxt ljQLo ;+:yfsf Joj:yfkg / ;Dk"0f{ sd{rf/Lx?nfO{ xflb{s wGojfb lbg rfxG5' .
;fy}, cfufdL lbgdf klg o; ljQLO ;:yfsf] ;~rfns ;ldlt tyf Joj:yfkgn] u|fxs ju{ / ;]o/wgL dxfg'efjx?s} cfsf+Iff cg';f/ sfd ub}{ hfg]5f}+ eGg] ljZjf; k'gM lbnfpg rfxG5' .
ctM o; ljQLo ;+:yfsf] :yfkgf, sfo{ ;+rfng tyf k|ultsf] nflu k|ToIf jf ck|ToIf ?kn] ;xof]u ug]{ ;a} ;b:o dxfg'efjx?, ;+:yfx? tyf z'e lrGtsx?nfO{ ;~rfns ;ldlt tyf d]/f] cfkm\gf] tkm{jf6 s[t1tf ;lxt wGojfb lbb} eljiodf klg o; ;+:yfsf] pQ/f]Q/ k|ultsf] nflu cfjZos ;Nnfx, ;'emfj / ;xof]u k|fKt eO/xg] 5 eGg] cfzf /fv]sf] 5' .
wGojfb Û
;~rfns ;ldltsf tkm{af6 k|e' gf/fo0f rf}w/L
cWoIf ldlt @)&% kf}+if @( ut] cfO{tjf/
sDkgL P]g, @)^# sf] bkmf !)( cGtu{t ;~rfns ;ldltsf] 5'§} k|ltj]bgdf pNn]v ug'{ kg]{ lja/0fx?sf afFsL a'Fbfx? s_ ;ldIff jif{df s'g} lsl;dsf] z]o/ hkmt ePsf] 5}g . v_ ;ldIff jif{df ljQLo ;+:yfsf] s'g} lsl;dsf] d'Vo jf ;xfos sDkgL g/x]sf] . u_ o; ljQLo ;+:yfsf] %Ü jf ;f] eGbf a9L z]o/ u|fx0f ug]{ cfwf/e"t z]o/wgLsf ?kdf k|j4{s ;+:yf dx'nL
;fd'bflos ljsf; s]Gb|, asw'jf ^, dx'nL ;Kt/L, NIC ASIA a}+s /x]sf] 5 . 3_ cfly{s jif{ @)&$÷&% sf] cGt;Dddf ljQLo ;+:yfsf ;+rfns tyf kbflwsf/Lx?n] b]xfo adf]lhdsf] ;]o/
wf/0f u/]sf 5g\ M
qm=;+= Gfd u|x0f u/]sf] s'n z]o/
AolQmut k|ltlgwLTj ug]{ ;+:yf != >L k|e' gf/fo0f rf}w/L !#$*% lsQf ;+:yfut k|ltlgwL MCDC @= >L efg'eQm lg/f}+nf ()!% lsQf ;+:yfut k|ltlgwL MCDC #= >L /f]zg s'df/ d+8/ @@%) lsQf ;+:yfks z]o/;d"x $= >L >L k|;fb rf}w/L #))) lsQf ;+:yfks z]o/;d"x % >L s]zj k|;fb e08f/L ) :jtGq ;+rfns
ª_ ljut cfly{s jif{df o; a}+s;Fu ;DalGwt ;Demf}tfx?df o; sDkgLsf s'g} ;+rfns tyf lghsf] glhssf]
gft]bf/sf] s'g} JolQmut :jfy{ /x]sf] hfgsf/L 5}g . ljQLo ;+:yfsf ;~rfns, k|jGw lgb]{zs, sDkgLsf cfwf/e"t ;]o/wgL jf lghsf] glhssf gft]bf/ jf lgh ;+nUg /x]sf] kmd{, sDkgL jf ;+ul7t ;+:yfaf6 a}s;+u s'g} sf/f]af/ ePsf] 5}g .
r_ ;dLIff jif{df a}+sn] cfkm\gf] s'g} ;]o/ cfkm"n] vl/b u/]sf] 5}g . 5_ ;dLIff jif{df a}+sn] sDkgL P]g, @)^# sf] bkmf !$! adf]lhd s'g} ;DklQ vl/b jf laqmL u/]sf] 5}g h_ ;+rfnsx?, k|d'v sfo{sf/L clws[t, n]vfkl/IfsnfO{ cf=a=@)&$÷&% df e'QmfgL ePsf] /sdM
s_ ;+rfnsx?nfO{ a}7s eQf afkt ?= !,$!,))).– e"Qmflg ul/Psf] 5 . v_ @)&$÷)$÷)! b]vL @)&$÷)*÷!! ;Dd sfo{sf/L cWoIfsf] ?kdf ?= *^,%)) eQf e"QmfgL
ul/Psf] / @)&$÷)*÷!* b]vL k|d'v sfo{sf/L clws[tsf] ?kdf k|jGw ;+rfnsnfO{ kfl/>ldssf] ?kdf ?= %,$&,&%*.– e"Qmflg ul/Psf] 5 .
u_ n]vfkl/IfsnfO{ e"Qmfg ul/Psf] kfl/>lds !,!#,))).– cIf/]kL Ps nfv t]x| xhf/ dfq kfl/>lds e"Qmflg ul/Psf] 5 .
em_ @)&% cfiff9 d;fGt;Dd z]o/wgLx?n] nfef+z jfkt a'lemlng afFsL g/x]sf] . `_ sDkgL P]g tyf cGo k|rlnt sfg'g adf]lhd o; k|ltj]bgdf v'nfpg' kg]{ cGo s'/f 5}gg\ . 6_ cGo cfjZos s'/fx? .
cg";'rL 4=1
z]o/ k"+hL tyf :jfldTj
ut jif{ ¿=
ljj/)f o; jif{ ¿=
1= z]o/ k"+hL 1=1 clws[t k"+hL 150,000,000.00 s_ 150000 ;fwf/)f z]o/ k|lt z]o/ ¿= 100 n]
v_==== gg\l/l*d]jn lk|km/]G; z]o/ k|lt z]o/ ¿= ==== n] 150,000,000.00
u_ ===== l/l*d]jn lk|km/]G; z]o/ k|lt z]o/ ¿= ====n]
1=2 hf/L k"+hL
40,000,000.00 s_ 900000 ;fwf/)f z]o/ k|lt z]o/ ¿ 100 n]
v_ ==== gg\l/l*d]jn lk|km/]G; z]o/ k|lt z]o/ ¿= === n] 90,000,000.00
u_ ====== l/l*d]jn lk|km/]G; z]o/ k|lt z]o/ ¿==========n]
1=3 r"Qmf k"+hL
40,000,000.00 s_ 600000 ;fwf/)f z]o/ k|lt z]o/ ¿ 100 n]
v_ =========k|:tfljt af]g; z]o/ k|lt z]o/ ¿========== n] 60,000,000.00
u_ ====== gg\l/l*d]jn lk|km/]G; z]o/ k|lt z]o/ ¿======n]
#_ =======l/l*d]jn lk|km/]G; z]o/ k|lt z]o/ ¿= ====== n]
20,000,000.00- 1=4= k|:tfljt jf]g; z]o/
12,000,000.00
1=5= sN; O{g P*efG;
60,000,000.00
s'n hDdf 72,000,000.00
z]o/ :jfldTj z]o/ k"+hL k|ltzt ljj/)f k|ltzt z]o/ k"hL
40,000,000.00 100% 1= :jb]zL :jfldTj 100% 60,000,000.00 -
1=1 g]kfn ;/sf/
-
2,000,000.00 5.00% 1=2 æsÆ ju{sf Ohfhtkqk|fKt ;+:yfx¿ 5.00% 3,000,000.00
1,602,000.00 4.01% 1=3 cGo Ohfhtkqk|fKt ;+:yfx¿ 4.01% 2,403,000.00
10,000,000.00 25.00% 1=4 cGo ;+:yfx¿ 25.00% 15,000,000.00
12,000,000.00 30.00% 1=5 ;j{;fwf/)f 30.00% 18,000,000.00
14,398,000.00 36.00% 1=6 cGo 36.00% 21,597,000.00
0 2= a}b]lzs :jfldTj 0
40,000,000.00 100% hDdf M 100% 60,000,000.0
gf]6M dfly cg';"rLdf plNnlvt ljj/0f cGtu{t )=% k|ltzt jf ;f] eGbf a9L :jfldTj ePsf] JolQm÷;d"x÷kmd{÷sDkgLx?sf] gfd, k|ltzt / /sd 5'§} ljj/0f lgDg cg";f/ /x]sf] 5
qm=;+= z]o/wgLx?sf] gfd k|ltzt
1 dx'nL ;fd'bflos ljsf; s]Gb| 15000000.0 150000.0 25.00%
2 Zofd sfGt rf}w/L 1348500.0 13485.0 2.25%
3 k|e' gf/fo0f rf}w/L 1348500.0 13485.0 2.25%
4 8f= 1fg]Gb| dfg l;+x sfsL{ 2400000.0 24000.0 4.00%
5 efg'eQm lg/f}+nf 901500.0 9015.0 1.50%
6 xl/ZrGb| l;Gxf 600000.0 6000.0 1.00%
7 ljh'nL k|;fb rf}w/L 451500.0 4515.0 0.75%
8 z}n]Gb| gfy l;+x /fpt If]qL 301500.0 3015.0 0.50%
9 l;tf/fd ;fx 300000.0 3000.0 0.50%
10 k|sfz kf]v/]n 598500.0 5985.0 1.00%
11 nIdL k|;fb rf}w/L 300000.0 3000.0 0.50%
12 ;fljqL rf}w/L 300000.0 3000.0 0.50%
13 hgs s'df/L rf}w/L 300000.0 3000.0 0.50%
14 /fnug d08/ 1046250.0 10462.5 1.74%
15 cfzf s'df/L l;Gxf l;+x 375000.0 3750.0 0.63%
16 cIfdLt nfn rf}w/L yf? 300000.0 3000.0 0.50%
17 ;+ho ;fx 693750.0 6937.5 1.16%
18 nlnt gf/fo0f ofbj 300000.0 3000.0 0.50%
19 cfzf s'df/L rf}w/L 648000.0 6480.0 1.08%
20 ;t]Gb| s'df/ hf]zL 375000.0 3750.0 0.63%
21 ;'lgtf s'df/L rf}w/L 300000.0 3000.0 0.50%
22 >L k|;fb rf}w/L 300000.0 3000.0 0.50%
23 xl/ gf/fo0f d08n 387000.0 3870.0 0.65%
24 b'uf{gGb rf}w/L 343500.0 3435.0 0.57%
25 dgf]h s'df/ n]vL 643500.0 6435.0 1.07%
26 s]jf s'df/L rf}w/L yf? 418500.0 4185.0 0.70%
27 rGb|snf s'df/L rf}w/L 343500.0 3435.0 0.57%
28 Zofd ;'Gb/ rf}w/L 474000.0 4740.0 0.79%
29 pdf rf}w/L 387000.0 3870.0 0.65%
30 Zofs sfGt rf}w/L 900000.0 9000.0 1.50%
31 /Ghgf s'df/L rf}w/L 450000.0 4500.0 0.75%
32 xl/ k|;fb sf]O{/fnf 300000.0 3000.0 0.50%
33 /d]z rf}w/L 300000.0 3000.0 0.50%
34 NIC-Asia a}+s 3000000.0 30000.0 5.00%
35 l;h{gf kmfO{gfG; ln= 2403000.0 24030.0 4.01%
z]o/
?= /sd z]o/ ;+Vof
cg';"rL 4=2
hu]*f tyf sf]ifx¿ ut jif{ ¿= ljj/)f o; jif{ ¿=
25,132,552.19 1= ;fwf/)f hu]*f sf]if 28,854,637.30
- 2= k"+hLut hu]*f sf]if -
- 3= Soflk^n l/l*Dk;g\ l/he{ -
- 4= k"+hL ;dfof]hg sf]if -
- 5= cGo hu]*f tyf sf]if -
- 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 -
8,262,501.50 5=6 cGo :jtGq hu]*f -
- 5=7 cGo hu]*f sf]if
- 5=7=1= :yug s/ hu]*f -
- 5=7=2= cGo shf{ gf]S;fgL Joj:yf sf]if -
4,825,117.04 5=7=3= u|xs ;+/If)f sf]if ( Client Protection Fund) 39,656,028.18
225,900.00 5=7=4= z]o/ lk|ldod ( Share Premium) 225,900.00
387,191.04 5=7=5= ;+:yfut ;fdflhs pQ/bfloTj sf]if
71,174,020.93 6= ;l~rt gfkmf÷gf]S;fg 72,713,655.28
- 7= ;^xL #^a( sf]if -
110,007,282.71 hDdf 141,450,220.76
cg";'rL 4=3 C)fkq tyf j)*
ut jif{ ¿= ljj/)f o; jif{ ¿=
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] l/*]Dk;g l/he{ /sd ¿= =======================_+ -
- 3 ======= ========= -
- hDdf 1±®2±®3 M -
cg";'rL 4=4 ltg{ af+sL shf{ -;fk^L_
ut jif{ ¿= ljj/)f o; jif{ ¿= - s= :jb]zL -
- 1= g]kfn ;/sf/ - - 2= g]kfn /fi « a}+s -
- 3= l/kf] bfloTj - - 4= a}+s tyf ljQLo ;+:yf - - s= dx'nL ;fd'bflos ljsf; s]Gb| asw'jf 6 dx'nL -
229,841,810.00 v= ?/n dfO{qmf]]km fO{gfG; *]enkd]G^ ;]G^/ -RMDC_ 217,705,718.00 45,227,268.00 u= km:^ dfO{qmf]kmfO{gfG; *]enkd]G^ a}+s ln= 107,499,997.00
47,798,304.02 #= k|e' a}+s ln= 71,293,203.38 60,749,999.97 ª= s'df/L a}+s ln= 81,708,271.13
38,756,630.78 r= Pg=Pd=lj= a}+s ln= 29,770,765.25 16,597,811.94 %= df%fk'R%|] a}+s ln= 14,448,411.06
44,650,000.00 h= NIC-Asia a}+s ln= O{ x/L 80,000,000.00 18,144,694.91 em= ;flgdf a}+s ln= 23,813,407.55
15,461,429.36 `= ;]Gr'/L sdl;{on a}+s ln= 18,432,980.12 ^= d]#f a}+s ln= 87,500,000.01
- 5= cGo ;+ul&t ;+:yfx¿ - - 6= cGo -
517,227,948.98 hDdf 732,172,753.50
v= ljb]zL -
- 1= a}+sx¿ -
- 2= cGo -
- hDdf -
517,227,948.98 hDdf -s®v_ M 732,172,753.50
cg';"rL 4=5 lgIf]k lx;fj
ut jif{ ¿= ljj/)f o; jif{ ¿= - 1= Aofh ltg"{ gkg]{ vftfx¿ -
- 1=1 ljQLo ;+:yfx? - - 1=2 cGo ;+ul&t ;+:yfx¿ -
- 1=3 JolQmut -
- Aofh ltg'{ gkg]{ vftfx¿sf] hDdf -
594,966,419.00 2= Aofh ltg"{kg]{ vftfx¿ 715,766,290.00
594,966,419.00 s= art lx;fa 715,766,290.00
- 1=1 ;+# ;+:yfx¿ - 594,966,419.00 1=2 JolQmut 715,766,290.00
- 1=3 cGo -
- v= d"@tL lx;fa -
- 1= :jb]zL d"b|fdf 1=1 ;+# ;+:yfx¿
-
- 1=2 JolQmut - - 1=3 cGo -
594,966,419.00 Jofh ltg"{ kg]{ vftfx¿sf] hDdf M 715,766,290.00
594,966,419.00 -1®2_ hDdf lgIf]k 715,766,290.00
cg';"rL 4=6 cGo bfloTj
ut jif{ ¿= ljj/)f o; jif{ ¿= 9,029,872.31 1= k]G;g÷pkbfg sf]if 13,524,437.21
5,267,468.50 2= ljbf jfktsf] Aoa:yf sf] if 9,917,669.00
1,356,795.82 3= sd{rf/L ;~ro sf] if 2,077,554.56
- 4= sd{rf/L sNof)f sf] if -
6,292,676.00 5= sd{rf/L jf]g; Joj:yf 5,376,399.00
- 6= lgIf]kdf e'QmfgL lbg af+sL Aofh -
- 7= ;fk^Ldf e'QmfgL lbg af+sL Aofh -
- 8= kfsL g;s]sf] l*:sfp)^ / sldzg -
639,579.39 9= ;)*«L q]ml*^;{ 1,077,955.75
- 10= zfvf ldnfg lx;fj -
11= :yug s/ bfloTj
- 12= e"QmfgL lbg af+sL nfef;+ -
13= cGo
24,868,897.60 s= k]G;g jrtdf lbg' kg]{ Aofh 35,008,481.34
26,393,985.00 v= ;b:o tyf C)f ;'/If)f sf] if -
145,350.00 u= kz' ;'/If)f sf]if 122,950.00
- #= Xf; s§L sf]if -
- ª= s/ ltg{ afsL -
4,120,238.81 r= e"Qmflg lbg' kg]{ lx;fa 2,778,453.69
2,629,900.00 %= sd{rf/L cf} ifwL pkrf/ sf] if 3,450,340.00
- h= sd{rf/L ljdf sf] if -
262,925.25 em= ejg lgdf{)f sf] if 134,175.85
`= ;+:yfut ;fdflhs pQ/bfloTj sf] if 279,138.86
^= sd{rf/L bIftf clej[l$ sf] if 186,973.10
81,007,688.68 hDdf M 73,934,528.36
cg';"rL 4=7 a}+s tyf ljQLo ;+:yfdf /x]sf] df}+Hbft
ut jif{ ?= ljj/)f :jb]zL d'b|f ljb]zL d'b|f ?=df
s'n ?= ef=¿= kl/jTo{ lj=d"= hDdf
142,231,233.35 1= :jb]zL Ohfhtkq k|fKt ;+:yfx? 158,651,320.710 - - - 158,651,320.710
38,804,199.85 s= rNtL vftf 55,539,772.410 - - - 55,539,772.410
103,427,033.50 v= cGo vftf 103,111,548.300 - - - 103,111,548.300
142,231,233.35 hDdf 158,651,320.710 - - - 158,651,320.710
cg';"rL 4=8
nufgL lx;fa
ut jif{ ljj/)f k|of]hg
o; jif{ ?= Aokf/L 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]=/f= a}s C)f kq - - - - 5= lab]zL C)f kq - - -
- 6= :ab]zL Ohfhtkq k|fKt ;+:yf - - - - 7= lab]zL a}s - - -
- 8= ;+ul&t ;+:yfx?sf] z]o/ - - - - 9= ;+ul&t ;+:yfx?sf] l*j]Gr/ tyf aG* - - -
- 10= cGo nufgL - - -
- s"n nufgL M - - -
- Aoj:yf M - - -
- v'b nufgL - - -
cg';"rL 4=8s
nufgL lx;fa
ut jif{ ljj/)f
k/n df]n ?
ahf/ d"Nofg';f/
Aoj:yf /sd
1= z]o/ nufgL 1000000.00 - 1=1 g]kfn lkmg;f]km\ sDkgL ln= -k|f=ln=÷ln=_ - - 1000000.00 - ====== ;fwf/)f z]o/, k|lt z]o/ ====== n] r"Qmf - - -
1=2 ====== sDkgL -k|f=ln=÷ln=_ - ====== ;fwf/)f z]o/ -dWo]===jf]g; ;d]t_ k|lt z]o/====n] r"Qmf - - - 1=3 ====== sDkgL -k|f=ln=÷ln=_ - ====== k|ltzt ==== lk|km/]G; z]o/ k|lt z]o/ ¿= === n] r"Qmf - - -
2= l*j]Gr/ tyf j)* nufgL - 2=1 ====== sDkgL -k|f=ln=÷ln=_ - - - - ====== k|ltzt l*j]Gr/÷j)* k|lt l*j]Gr/÷a)* === ¿= n] = - - - 2=2 =================
- 2=3 ================== - - -
- s'n nufgL M - - 1000000.00
- 3= hf]lvd ;DaGwL Joj:yf - - -
- 3=1 ut jif{ ;Ddsf] Joj:yf - - - - 3=2 o; jif{sf] yk÷#^ - - -
- sn Aoj:yf M - - -
- v'b nufgL M - - 1000000.00
cg';"rL 4=9 shf{ ;fk^ tyf lan vl/b juL{s/)f / ;f]sf] nflu Joj:yf
ut jif{ ljj/)f
shf{
o; jif{sf] ?= :jb]zL k|f=If]q
ljoldt cljoldt 1,220,694,629.00 1= ;lqmo shf{ ;fk^ - 1,565,370,663.00 1,565,370,663.00
1,220,694,629.00 1=1 c;n 0 1,565,370,663.00 1,565,370,663.00
22,194,394.00 2= lgl:qmo shf{ ;fk^ - 29,137,872.00 29,137,872.00 690,760.00 2=1 sd;n 166362.00 166,362.00
2,572,555.00 2=2 z+sf:kb 492616.00 492,616.00
18,931,079.00 2=3 v/fa 28,478,894.00 28,478,894.00
1,242,889,023.00 -s_ s"n shf{ -1®2_ - 1,594,508,535.00 1,594,508,535.00
- 3= shf{ gf]S;fgL Joj:yf -
12,206,951.00 3=1 c;n - 15,653,708.00 15,653,708.00 172,690.00 3=2 sd;n 41,591.00 41,591.00
1,286,278.00 3=3 z+sf:kb 246,309.00 246,309.00
18,931,079.00 3=4 v/fj - 28,478,894.00 28,478,894.00 3=5 cltl/Qm
3=6 t]>f] kIfsf] lwtf]df k|jfx ePsf] shf{sf] nfuL yk
32,596,998.00 v= s"n Aoj:yf - 44,420,502.00 44,420,502.00
4= ut jif{;Ddsf] Joj:yf 9,308,251.00 4=1 c;n - 12,206,951.00 12,206,951.00
- 4=2 sd;n - 172,690.00 172,690.00 - 4=3 z+sf:kb - 1,286,278.00 1,286,278.00
4,845,308.00 4=4 v/fj - 18,931,079.00 18,931,079.00
- 4=5 cltl/Qm - - -
-
4=6 t]>f] kIfsf] lwtf]df k|jfx ePsf] shf{sf] nfuL yk -
- -
14,153,559.00 -u_ ut jif{;Ddsf] s"n Joj:yf - 32,596,998.00 32,596,998.00
- -#_ o; jif{sf] gf]S;fgL Joj:yf lkmtf{ (1,239,544.00) (1,239,544.00)
18,443,439.00 -ª_ o; aif{sf] yk shf{ gf]S;fgL Joj:yf - 13,063,048.00 13,063,048.00
18,443,439.00 -r_ o; jif{sf] -yk_ ÷ lkmtf{ (1,239,544.00) (1,239,544.00)
32,596,998.00 -%_ s'n shf{ gf]S;fgL Joj:yf - 44,420,502.00 44,420,502.00
1,210,292,025.00 v"b shf{ -s–v_ - 1,550,088,033.00 1,550,088,033.00
g';"rL 4=9s
shf{ ;fk^ / lan vl/bsf] ;'/If)f
ut jif{ ¿= ljj/)f o; jif{ ¿= 29,564,591.00 -s_ ;'/lIft 61,051,236.00
29,564,591.00 1= rn÷crn ;DklQsf] ;'/If)fdf 61,051,236.00
- 2= :jb]zL Ohfhtkq k|fKt ;+:yfsf] hdfgtdf -
- 3= ;/sf/L hdfgtdf -
- 4= cGt/f{li «o >])fLs[t a}+ssf] hdfgtdf -
- 5= lgof{t sfuhft (Export Document) sf] ;'/If)fdf -
- 6= d"@tL /;Lbsf] ;'/If)fdf -
- -s_ ;+:Yffsf] cfkm\g} d'@tL /;Lbsf] ;'/If)f -
- -v_ cGo Ohfhtkq k|fKt ;+:yfsf] d'@tL -
- /l;bsf] ;'/If)f -
- 7= ;/sf/L C)fkqsf] ;'/If)fdf -
- 8= sfp)^/ hdfgtdf -
- 9= JolQmut hdfgtdf -
1,213,324,432.00 10= cGo ;'/If)fdf 1,533,457,299.00
1,213,324,432.00 -v_ c;'/lIft 1,533,457,299.00
1,242,889,023.00 hDdf M 1,594,508,535.00
cg';"rL 4=10
l:y/ ;DkQL
ut jif{ ?= lja/)f ;DkQL
o; jif{ ? Ejg kl/jxg d]zg/L sfof{no ;dfg cGo
1= k/ndf]n 8,447,438.97 -s_ ut jif{sf] df}Hbft - 1,159,400.00 - 8,990,191.85 - 10,149,591.85 1,702,152.88 ,-v_ o; jif{ yk - 4,969,890.00 - 3,953,866.44 - 8,923,756.44
-u_ o; jif{ k"gd'{Nof°g÷k'gn]{vg - - - - - -#_ o; jif{sf] ljqmL - - - - - -ª_ o; jif{sf] ckn]vg - - - - -
10,149,591.85 s'n -s®v®u®#®ª_ k/ndf]n M - 6,129,290.00 - 12,944,058.29 - 19,073,348.29
2= x|f; s§L
3,178,123.25 s_ ut jif{;Ddsf] - 459,216.00 - 4,262,645.60 - 4,721,861.60 1,543,738.35 v_ o; jif{sf] - 471,365.00 - 1,805,013.21 - 2,276,378.21
u_ x|f;s§L k'gd"{Nof°g÷k'gn]{vg #_+ x|f;s§L /sd ;dfof]hg÷lkmQf{
4,721,861.60 s'n x|f;s§L - 930,581.00 - 6,067,658.81 - 6,998,239.81
5,427,730.25
3= a"s Eofn" ( Written Down
Value ) -1−2_ - 5,198,709.00 - 6,876,399.48 - 12,075,108.48
- 4= hUuf - - - - - -
- 5= k"+hLut lgdf{)f -k++'hLs/)f ul/g' kg]{_ -
- - - - -
5,427,730.25 1= k/ndf]n - 5,198,709.00 - 6,876,399.48 - 12,075,108.48
cg";'rL 4=11
u}/ a}+lsu ;Dklt ut jif{ C)fL jf kf^L{sf] u}/ a}+ls+u ;Dklt s'n u}/ a}+ls+u gf]S;fgL Aoj:yf v'b u}/ a}+ls+u ?= gfd &]ufgf ;sf/ u/]sf] ldlt ;Dklt /sd ?= k|ltzt /sd ?= ;Dklt ?=
- - - -
- -
- - - -
- -
- s'n hDdf - - -
cg';"rL 4=12 cGo ;DkQL
ut jif{ ¿= ljj/)f
o; jif{ ¿=
1,809,838.48 1= d;nGb df}Hbft
1,938,054.00
- 2= nufgLdf c;"n ug{ af+sL cfDbfgL
-
18,332,570.95 3= shf{df c;"n ug{ af+sL Aofh
15,261,010.91
(18,332,570.95) Go"g Jofh d'NtjL /sd
(15,261,010.91)
- 4= c;"n ug{ af+sL sldzg
-
33,562.51 5= ;G*«L *] ;{
1,137,588.49
34,000.00 6= sd{rf/L ;fk^L / k]ZsL
15,395.00
6,497,104.77 7= clu|d e"QmfgL
6,416,635.80
- 8= dfu{:y gub
-
- 9= dfu{:y cGo -r]s ;d]t_
-
- 10= ljgf ;'rgf *«fk\m^sf] e"QmfgL
-
- 11= ckn]vg x"g af+sL vr{
-
- 12= zfvf ldnfg lx;fj
-
51,633.31 13= :yug s/ ;DklQ
9,239.67
14= cGo
32,504.00 14=1 w/f} L
37,504.00
1,000,000.00 14=2 z]o/ nufgL jfkt k]ZsL
-
- 14=3 ;f]km^j]o/ lx;fa
-
- 14=4 df] / ;fOsn ;'ljwf C)f lx;fa
771,096.00
1,248,499.70 14=5 km" s/ ;DkQL lx;fa
1,888,739.45
15,186,129.66 14=6 clu|d cfos/ e"QmfgL
18,691,146.29
25,893,272.43 hDdf
30,905,398.700
cg';"rL 4=12-s_ cGo ;DklQ -yk ljj/)f_
ut jif{ ? = ljj/)f o; jif{ ?=
1 Jfif{ ;Dd 1 Jfif{ b]lv dfly 3 jif{ ;Dd
3 aif{eGbf dfly
hDdf
18,332,570.95 1= shf{df c;"n ug{ af+sL Aofh 18,332,570.95 - - 15,261,010.91
- 2= zfvf ldnfg lx;fj - - - -
- 3= Ph]G;L lx;fj - - - -
cg';"rL 4=13 ;Defljt bfloTjx¿
ut jif{ ? = ljj/)f o; jif{ - Hdfgt -
- ckl/jTo{ shf{ k|ltj$tf -Irrevocable Loan Commitment_ -
- Acceptance ;lxt cGo ;j} k|sf/sf ;Defljt bfloTjx? -
- r"Qmf jf e"Qmfg x"g af+sL z]o/ nufgL -
- e'QmfgLsf] nfuL bfjL k/]sf] hdfgt -
- ;+:yf pk/ bfjL k/]sf] t/ ;+:yfn] bfloTj :jLsf/ gu/]sf] -
- hDdf -
cg';"rL 4=14
Jofh cfDbfgL
ut jif{ ? = ljj/)f o; jif{ 226,367,032.00 s= shf{ ;fk^df 249,808,261.00
- v= nufgLdf
- 1= >L 5 sf] ;/sf/sf] ;'/If)fkq -
- 2= g]kfn /fi « a}+ssf] C)fkq -
- 3= l*j]Gr/ tyf a)* -
- 5= cGt/ a}+s÷ljQLo ;+:yfx¿ -
- u= Ph]G;L df}Hbftdf -
6,329,839.63 #= dfu tyf cNk ;"rgfdf k|fKt x'g] df}Hbftdf 2,690,406.77
- ª= cGodf
1=
2=
232,696,871.63 hDdf 252,498,667.77
cg';"rL 4=15
Jofh vr{
ut jif{ ? = ljj/)f o; jif{ 39,552,550.89 s= lgIf]k bfloTjdf 49,168,433.74
39,552,550.89 1= ;b:ox?sf] artdf 49,168,433.74
- 2= ;j{;fwf/)fsf] lgIf]kdf
42,656,161.49 v= shf{ ;fk^df 71,200,921.13
- 1= C)fkq tyf a)* -
- 2= g]kfn /fi^« a}+saf^ k|fKt shf{ -
- 3= cGt/ a}+s÷ljQLo ;+:yf shf{ -
42,656,161.49 4= cGo ;+ul&t ;+:yf 71,200,921.13
- 5= cGo shf{ -
- u= cGodf -
82,208,712.38 hDdf 120,369,354.87
cg';"rL 4=16 sldzg tyf cGo ;+rfng cfDbfgL
ut jif{ ? = ljj/)f o; jif{ 441,400.00 1= ;]jf z"Ns 26,466,494.98
- 2= gjLs/)f z'Ns -
- 3= O=k|f= sdLzg jfkt -
- 4= a§f cfDbfgL -
1,030,302.52 5= cGo 2,594,299.88
1,051,452.51 6= /]ld ]G; kmL 2,467,150.73
2,523,155.03 hDdf 31,527,945.59
cg';"rL 4=17
sd{rf/L vr{
ut jif{ ?= ljj/)f o; jif{ ?=
32,062,296.72 1= Tnj 41,621,530.07
2,326,307.00 2= bz}+ vr{ 2,930,674.00
2,106,356.38 3= ;~rosf]ifdf yk 2,705,225.59
124,646.83 4= tflnd vr{ -
628,000.00 5= kf]zfs 730,000.00
1,148,437.45 6= Ljdf 973,471.81
1,490,083.86 7= ;+lrt ljbf jfktsf] Aoa:yf 5,116,518.84
1,731,620.56 8= k]G;g tyf pkbfg Joj:yf 5,118,003.30
469,000.00 9= sd{rf/L cf}ifwL pkrf/ Aoa:yf 1,060,440.00
10 cGo
1,561,517.19
s_ b'u{d ;'ljwf 1,616,231.00
5,028,152.28
v_ d]if ;'ljwf 4,815,508.00
-
u_ df]jfO{n l/rfh{ ;'ljwf -
241,100.00
3_ b'u{d lkmN8 ;'ljwf 297,600.00
251,500.00
ª_ df]6/ ;fosn dd{t ;'ljwf 272,000.00
574,339.54
r_ sd{rf/L ;fosn dd{t ;'ljwf 563,874.00
3,571,195.50
5_ dx+uL ;'ljwf 3,263,523.00
111,000.00
h_ zfvf lhDd]jf/L ;'ljwf 167,000.00
1,154,550.00
em_ lkmN8 vfhf vr{ 1,187,900.00
`_ jflif{s ljbf vr{ 453,387.30
54,580,103.31 hDdf 72,892,886.91
cg';"rL 4=18 cGo ;~rfng vr{
ut jif{ ? = ljj/)f o; jif{ 2,603,350.00 1= #/ef*f 3,114,233.96
254,408.11 2= aQL ljh"nL / kfgL 380,759.94
- 3= dd{t tyf ;Def/ -
- -s_ ejg ============= -
64,615.00 -v_ ;jf/L ;fwg ============= 84,502.00
- -u_ cGo ============== -
155,478.75 4= aLdf 189,381.01
1,478,539.87 5= kf]i ]h, ]n]S;, ]lnkmf]g, k\mofS; 1,462,217.01
243,202.00 6= sfof{no pks/)f kmlg{r/ / ;Def/ 154,180.00
906,565.00 7= e|d)f eQf / vr{ 714,644.00
1,228,686.21 8= d;nGb / %kfO{ 1,417,041.71
39,424.00 9= kqklqsf tyf k":ts 34,345.00
197,336.00 10= lj!fkg 1,049,243.35
- 11= sfg'gL vr{ - s/ lt/f] _ 166,805.00
- 12= rGbf -
- 13= ;~rfns ;ldlt ;DaGwL vr{ -
111,000.00 -s_ a}&s eQf ============= 227,500.00
33,840.00 -v_ cGo vr{ ============== 46,790.00
70,923.00 14= ;fwf/)f ;ef ;DaGwL vr{ 287,243.00
- 15= n]vf k/LIf)f ;DaGwL -
113,000.00 -s_ n]vf k/LIf)f z"Ns =============== 113,000.00
30,470.00 -v_ cGo vr{ =============== 38,150.00
58,500.00 16= a}+s :yfkgf lbjz tyf jflif{s pT;fa vr{ 166,384.00
100,110.00 17= /sd :yfgfGt/)f sldzg 132,537.32
1,543,738.35 18= l:y/ ;DklQdf x|f; s§L 2,276,378.21
- 19= k'j{ ;~rfng vr{ ckn]vg -
1,206,900.00 20= z]o/ lgisfzg vr{ 873,398.00
- 21= k|fljlws ;]jf ;f]wegf{ -
74,480.00 22= gvKg] ;fdu|L vr{ 109,511.00
257,474.00 23= dgf]/~hg vr{ 271,240.00
- 24= ckn]vg vr{ -
- 25= ;"/Iff vr{ -
- 26= shf{ ;"/If)f lk|ldod -
- 27= sldzg / l*:sfp) -
28= cGo =====================
491,602.00 s= O{Gwg vr{ 532,354.00
573,588.00 v= ;f]km\ j]o/ vr{ 622,404.00
u= ;bZotf z'Ns
#= Aoj;fo k|a@{g vr{
- ª= sfof{no ;'ljwf vr{ -
1,014,045.00 r= oftfoft tyf ('jfgL vr{ 844,478.00
- %= u|fxs ;b:o ;]jf ;'ljwf vr{ -
1,937,091.16 h= ljljw vr{ 1,303,818.59
34,250.00 em= lk=lh= L vr{ 36,700.00
1,947,548.00 `= tflnd tyf uf]i&L vr{ 2,871,236.00
290,850.00 ^= s]Gb| vr{ 280,000.00
17,061,014.45 hDdf 19,800,475.10
cg';"rL 4=19
;Defljt gf]S;fgL Joa:yf ut jif{ ? = ljj/)f o; jif{
18,443,439.00 1= shf{ gf]S;fgL Aoa:yfdf ePsf] a[l$ 13,063,048.00
- 2= nufgL gf]S;fgL Aoa:yfdf ePsf] a[l$ -
- 3= u}/ a}+lsu ;DklQ gf]S;fgL Aoa:yf -
- 4= cGo ;DklQdf ul/Psf] Joj:yf -
18,443,439.00 hDdf 13,063,048.00
cg';"rL 4=20 u}/ ;+rfng cfDbfgL÷gf]S;fg
ut jif{ ? = ljj/)f o; jif{ - 1= nufgL laqmLaf^ cfDbfgL÷-gf]S;fg_ -
- 2= ;DklQ laqmLaf cfDbfgL÷-gf]S;fg_ -
- 3= nfef+z -
- 4= g]kfn /fi « a}+saf^ k|fKt ;x"lnot -
- s= tf]lsPsf] zfvfx¿sf] gf]S;fg jfkt Ifltk'lt{ -
- v= Aofh Ifltk'lt{ -
- u= ;^xL sfpG^/ -
- 5= cGo -
- v"b u}/ ;+rfng cfDbfgL÷-gf]S;fg_ M -
cg';"rL 4=21 ;Defljt gf]S;fgL Aoa:yf af^ lkmtf{
ut jif{ ? = ljj/)f o; jif{ - 1= shf{ gf]S;fgL Aoa:yf af^ lkmtf{ 1,239,544.00
- 2= u}/ a}+lsu ;DklQ gf]S;fgL Aoa:yfaf lkmtf{ -
- 3= nufgL Joj:yfjf^ lkmtf{ -
- 4= cGo ;DklQsf] Joj:yfjf^ lkmtf{ -
- hDdf 1,239,544.00
cg';"rL 4=22
c;fdfGo sf/f]jf/x?af^ ePsf] cfDbfgL / vr{ ut jif{ ? = ljj/)f o; jif{
- 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=28s_ -
- 4= cGo vr{÷cfDbfgL -
- hDdf -
cg';"rL 4=22s
ckn]lvt shf{sf] ljj/)f
qm=;+= shf{ k|sf/ ckn]vg
ul/Psf] /sd lwtf]sf] k|sf/ tyf /sd
lwtf] d"Nofsgsf] cfwf/
shf{ :jLs[t ug{]
clwsf/L÷tx
shf{ c;'nLsf nflu
eP/u/]sf k|of;
s}lkmot
- 1= rfn" k+"hL shf{ - - - - - -
- 2 kl/of]hgf shf{ - - - - - -
- 3= l:y/ k"hL shf{ - - - - - -
- 4= JolQmut shf{ - - - - - - - 5= cGo shf{ - - - - - -
- s"n shf{ - - - - - -
;+rfns, sfo{sf/L k|d'v, ;+:yfks, sd{rf/L] ;]o/xf]N8/x?nfO{ uPsf] shf{ ;fk6 ljj/0f
@)&% c;f/ d;fGt cg";'rL 4=23
v/Lb tyf l8:sfpG6 ul/Psf lanx¿ / shf{, ;fk6 tyf clwljsif{df k|jflxt s"n /sd dWo] ;~rfns, sfo{sf/L k|d'v, ;+:yfks, sd{rf/L, ;]o/ xf]N8/x? / lghx¿sf] kl/jf/sf ;b:o jf To:tf JolQm hdfgL a;]sf] jf d}g]lhË Ph]G6 ePsf] s"g} ;+:yf jf sDkgLnfO{ uPsf] /sdsf] ljj/0f b]xfo adf]lhd 5 .
;+:yfks÷;~rfns÷sfo{sf/L ut jif{;Ddsf] afls o; jif{ c;"nL o; jif{ cfiff( d;fGt;Dd jfls
k|d"vsf] gfd ;fjf ;fjf Jofh ;fjf Jofh yk shf{ ;fjf Jofh
-s_ ;~rfns - - - - - - -
1= - - - - - - -
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= - - - - - - -
hDdf M - - - - - - -
cg';"rL 4=24 k'+hLsf]if tflnsf
?= xhf/df
ljj/)f o; jif{ ?= ut jif{ ?= -s_ k|fylds k'¤hL 173,784.95 169,955.65
1_ r"Qmf k'¤hL -;fwf/)f z]o/_ 60,000.00 40,000.00
2_ k| :tfljt jf]g; z]o/ 12,000.00 20,000.00
3_ z]o/ lk|ldod 225.90 225.90
4_ lkmtf{ gx'g] cu|flwsf/ z]o/
5_ ;fwf/)f hu]*f sf]if 28,854.64 25,132.55
6_ ;l~rt gfkmf÷-gf]S;fg_ 71,174.02 68,973.12
7_ jf;nftdf b]vfO{Psf] rfn' cf=j=sf] gfkmf÷gf]S;fg lx;fjsf] /sd 1,539.63 2,200.90
8_ k'¤hL lkmtf{ hu]*f sf]if
9_ k'¤hL ;df of]hg sf]if -
10_ sN; Og P*efG; - -
11_ cGo :jtGq sf]ifx? 13,474.81
# fpg]M
– Voflt (Goodwill) jfktsf] /sd
– :yug s/ ;Dklt (9.24) (51.63)
– ;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 - -
– g]=/f= a}+s lgb]{zg kfngf gu/L :jk|of]hgsf nfuL #/hUuf vl/b u/]sf] /sd
– ;LdfeGbf a(L cfjf; ejg lgdf{)f tyf hUuf ljsf;df nufgL u/]sf] /sd – k|rlnt P]g tyf sfg'gn] k|ltaGw u/]sf] AolQm tyf ;d"xx?nfO{ k|bfg u/]sf] shf{ tyf ;'ljwfx? 55,309.74 12,206.95
-v_ k"/s k'¤hL 173,784.95 169,955.65
1_ c;n shf{sf] nfuL ul/Psf]shf{ gf]S;fgL Joj:yf 15,653.71 12,206.95
2_ cltl/Qm shf{ gf]S;fgL Joj :yf
3_ xfOla|* k'¤hL pks/)fx?
4_ ;'/If)f g/flvPsf] ;xfos cfjlws C[)f
5_ ;^xL ;lds/)f sf]if
6_ ;DklQ k"gd{"Nof–g sf]if 7_ nufgL ;dfof]hg sf]if
39,656.03 u|fxs ;+/If/ sf]if tyf cGo sf]if
-u_ hDdf k'¤hLsf]if -s+v) 229,094.69 182,162.60
-#_ hf]lvd efl/t ;DklQsf]cfwf/df sfod ug'{kg]{ Go"gtd k'¤hLsf]if
k"hLsf]if -08 k|ltzt_ 132,122.25 103,375.36
k|fylds k"hL -04 k| ltzt_ 66,061.13 51,687.68
k"hLsf]if clws÷-G o"g_ -2=48 k| ltztn]_ 96,972.44 78,787.24
k|fylds k"hL clws÷-Go"g_ -5=54 k|ltztn]_ 107,723.83 118,267.97
cg';"rL 4=24s
hf]lvd efl/t ;DklQ ljj/)f tflnsf ?= xhf/df
-s_ jf;nft jdf]lhdsf] ;Dklt (On Balance Sheet Assets)
ef/ rfn' jif{ ut jif{ ef/ rfn' jif{
/sd hf]lvd efl/t ;DkQL
/sd hf]lvd efl/t ;DkQL
gub df}Hbft - 1,554.04 - 1,231.70 -
g]kfn /fi « a}+sdf /x]sf] df}Hbft - - - -
g]kfn ;/sf/sf] ;'/If)fkqdf ul/Psf] nufgL - - - -
g]kfn ;/sf/sf] C)fkqdf ul/Psf] nufgL - - - -
cfkmg} d'@tL /;Lbsf] lwtf]df k")f{ ;'/lIft x'g] u/L k|bfg ul/Psf] d'@tL /;Lb lwtf] shf{ -
- - -
;/sf/L ;'/If)fsf] lwtf]df k")f{ ;'/lIft x'g] u/L k|bfg ul/Psf] shf{ -
- - -
;/sf/L ;'/If)fkqsf] kfpg' kg]{ Aofh /sd (Accrued Interest) -
a}+s tyf ljQLo ;+:yfx?df /x]sf] df}Hbft÷d'@tL /;Lbsf] bfjL (Claim) 0.20
55,539.77 11,107.95 142,231.23 28,446.25
dfu]sf] avt k|fKt x'g] /sd (Money at Call) 0.20 103,111.55 20,622.31 -
cGt/ a}+s÷;+:yf ;fk^L 0.20 - - -
z]o/, l*j]~r/ Pj+ a)*df ePsf] nufgL 1.00 - - -
cGo nufgLx? 1.00 1,000.00 1,000.00 - -
shf{, ;fk^ s'n /sd_** 1.00 1,594,508.54 1,594,508.54 1,242,889.02 1,242,889.02
l:y/ ;DklQx? 1.00 12,075.11 12,075.11 10,149.59 10,149.59
kfpg' kg]{ cGo v'b Aofh /sd - s'n kfpg' kg]{ Jofh - ;/sf/L C)fkq tyf art kqsf] Jofh - Jofh d'NtjL_ 1.00
- -
u}/ a}lsË ;DkQL - - -
cGo ;a} ;DklQx? -v'b cu|Ld s/ bflvnf afx]s_ 1.00 12,214.25 12,214.25 10,707.14 10,707.14
(s) hDdf 1,780,003.26 1,651,528.16 1,407,208.69 1,292,192.00
-v_ jf;nft jflx/sf sf/f]jf/x? (Off-balance sheet Items)
-
hdfgt 1.00 - - - -
ckl/jTo{ shf{ k|ltj$tf (Irrevocable Loan
Commitment) 1.00 - - - -
cfos/ jfkt ;Defljt bfloTj 1.00 - - - - Acceptance ;lxt cGo ;a} k|sf/sf ;Defljt bfloTjx? 1.00
- - - -
r'Qmf jf e"QmfgL x'g afsL z]o/ nufgL 1.00 - - - -
e'QmfgLsf] nfyL bfjL k/]sf] hdfgt 1.00 - - - -
;+:yf pk/ bfjL k/]sf] t/ ;+;yfn] bfloTj :jLsf/ gu/]sf] bfloTjx? 1.00
- - - -
-v_ hDdf M - - - -
s'n hf]lvd efl/t ;Dklt 1,780,003.26 1,651,528.16 1,407,208.69 1,292,192.00
cg';"rL 4=25 sDtLdf ljut 5 jif{sf] kl/;"rsx?
ljj/)f ;"rsf° cfly{s jif{
2069÷070 2070÷071 2071÷072 2072÷2073 2073÷2074 2074÷2075
1= v'b gfkmf÷s'n cfDbfgL k|ltzt k|ltzt -17.26% 13.68% 21.62% 25.60% 16.46% 6.55%
2= k|lt z]o/ cfDbfgL ?= -1.03 93.55 214.67 312.80 96.80 25.85
3= k|lt z]o/ ahf/ d"No ?= 0 0 0 0 0 2585
4= d"No cfDbfgL cg'kft (PE
Ratio) cg'kft 0.00 0.00 0.00 0.00 0.00 100.01
5= z]o/ k'¤hLdf nfef+z -jf]g; ;lxt_ k|ltzt
0 0 0 0 60% 20%
6= z]o/ k'¤hLdf gub nfef+z e'QmfgL k|ltzt
0 0 0 10% 1.0527%
7= Jofh cfDbfgL÷shf{ tyf ;fk^ k|ltzt 2.04% 16.92% 18.38% 18.00% 18.21% 17.61%
8= sd{rf/L vr{÷s'n ;+rfng vr{ k|ltzt 30.40% 80.67% 81.15% 78.36% 76.19% 78.64%
9= s'n lgIf]k tyf ;fk^Ldf Aofh vr{ k|ltzt
0.55% 6.35% 5.86% 6.62% 8.24% 9.40%
10= ;^xL #^a( cfDbfgL÷s'n cfDbfgL k|ltzt
11= sd{rf/L af]g;÷s'n sd{rf/L vr{ k|ltzt
0 6.29% 10.46% 11.55% 11.53% 7.38%
12= v'b gfkmf÷shf{ ;fk^ k|ltzt -0.54% 2.38% 4.03% 4.68% 3.12% 1.17%
13= v'b gfkmf÷s'n ;DklQ cg'kft -0.34% 2.28% 3.70% 4.10% 2.80% 1.06%
14= s'n shf{÷lgIf]k k|ltzt
139.27% 201.72% 202.31% 194.52% 208.90% 222.77%
15= s'n ;+rfng vr{{ ÷s'n ;DklQ k|ltzt
0.89% 7.07% 6.43% 5.67% 5.17% 5.28%
16= s'n k|zf;lgs vr{df sd{rf/L vr{ cg'kft k|ltzt
0.00% 80.67% 81.15% 78.36% 76.19% 78.64%
17= hf]lvd efl/t ;DklQdf k'¤hLsf]ifsf] kof{Kttf
-s_ k|fylds k¤"hLsf]if k|ltzt 36.02% 7.38% 9.50% 11.99% 13.15% 10.52%
-v_ k'/s k¤"hL k|ltzt 1.49% 0.98% 0.97% 0.96% 0.94% 3.35%
-u_ s'n k¤"hLsf]if k|ltzt 37.51% 8.36% 10.47% 12.95% 14.10% 13.87%
18= t/ntf (CRR) cg'kft
0.00% 0.69% 0.70% 0.62% 0.58% 0.55%
19= lgis[o shf{÷s'n shf{ k|ltzt 0.68% 0.51% 0.41% 0.52% 1.79% 1.83%
20=
Jofh b/ cGt/ (Weighted Average Interest Rate Spread) k|ltzt
1.49% 10.57% 12.51% 8.80% 8.14% 7.46%
21= a's g] jy{ ?= 13686675 41366248 72589645 116562279 170007283 213450221
22= s'n z]o/ ;+Vof 140000 140000 140000 140000 400000 720,000
23= s'n sd{rf/L ;+Vof 8 129 147 160 159 187
24= ROA k|ltzt
-0.68% 6.68% 6.38% 5.83% 5.13% 3.77%
25= ROE k|ltzt
-2.08% 74.75% 77.72% 57.95% 43.92% 30.85%
26= OSS k|ltzt 85.28% 127.47% 146.74% 147.15% 136.52% 126.15%
27= k|lt z]o/ g] jy{ k|ltzt 97.76 295.47 518.50 832.59 425.02 296.46
28=
s'n sd{rf/L vr{sf] sd{rf/L IfDtf clej[l$ vr{ k|ltzt
3.02% 2.66%
cg';'rL $=@^ k|d'v n]vf gLltx?
ljQLo ljj/0fx? Tfof/ kfbf{ cfwf/ dflgPsf ;j{dfGo n]vf gLltx? tn pNn]v ul/Psf 5g\ . cGoyf pNn]v ul/Psf]df afx]s of] gLltx?sf] kfngf lg/Gt/ ?kdf ul/Psf] 5 .
!= ;fdfGo hfgsf/L
dx'nL ;fd'bflos n3'ljQ ljQLo ;+:yf lnld6]8 -If]lqo :t/sf] æ3Æ ju{sf] ljQLo ;+:yf_ g]kfndf :yflkt l;ldt bfloTj ePsf] sDkgL xf] . o; ljQLo ;+:yfn] sDkgL /lhi6«f/sf] sfof{nosf sDkgL P]g, @)^# cGtu{t ldlt @)^(÷)%÷!& df btf{ eO{ -bQf{ g+=(^*^&÷)^(÷)&)_ g]kfn /fi6« a}+saf6 ldlt @)&)÷)@÷)@ df Ohfhtkq -O{hfhtkq g+= g]=/f=a}+s÷O=k|f=÷æ3Æ÷#!÷)^(÷&)_ k|fKt u/L ldlt @)&)÷#÷! b]lv ljQLo sf/f]jf/ ub}{ cfPsf] 5 . ljQLo ;+:yfsf] s]Gb|Lo sfof{no jsw'jf uf=lj=;= j8f g+=(, dx'nL, ;Kt/Ldf /x]sf] 5 .
ljlQo ljj/0fx?n] ! >fj0f @)&$ b]lv #@ cfiff9 @)&% ;Ddsf] cjlwnfO{ ;d]6]sf] 5 .
2= ljlQo ljj/)F tof/Lsf cfwf/
k|:t"t ljlQo ljj/)F ;fdfGo n]vf l;$fGt, a}+ls+u Joj;fodf k|rlnt n]vf gLlt tyf g]kfn n]vfdfg (NAS) tyf cGt//fli «o n]vfdfgnfO{ ;d]t cfwf/ dfgL a}+s tyf ljlQo ;+:yf ;DjlGw P]g cGtu{t g]kfn /fi « a}+sn] hf/L u/]sf] lgb]{zg tyf (f+rfdf cGoyf pNn]v ul/Psf]df jfx]s P]ltxfl;s nfut cjwf/)ff / k]|fbefjL (Accrual) cfwf/df g]kfnL ?k}ofdf tof/ ul/Psf %g\ . pk/f]Qfg";f/ ljlQo ljj/)f tof/ ubf{ tyf ljleGg n]vfgLltx?sf] kfngf ug]{ qmddf Joj:yfkgn] ljj]ssf] k|of]u ug"{kg]{ x"gfn] jf:tljs kl/)ffd o; ljlQo ljj/)fdf pNn]v ePsf] eGbf km/s x"g ;Sb% .
3= g]kfn n]vfdfgjf^ cltqmd (Deviations)
shf{ tyf ;fk^df k|fKt x"g] Jofh g]kfn /fi « a}+ssf] lgb]{zg cg';f/ gub k|flKtsf] cfwf/df n]vf+s)f ul/Psf] % . To:t} sldzg, ;]jf z'Ns tyf l*:sfp)^nfO{ gub k|flKtsf] cfwf/df n]vf+sg ul/Psf] % . o;/L cfonfO{ gub k|flKtsf] cfwf/df n]vf+s)f ug'{ g]kfn n]vfdfg 07 df pNn]v eP cg';f/ cfonfO{ k|fKt /sd / k|fKt x'g af+sL /sdsf] ;+tf]ifk|b (Fair) d'Nodf n]vf+s)f ug'{ kg]{ k|fjwfg cg'?k /x]sf] %}g .
$= l:y/ ;DkQL
$=!= l:y/ ;DkQL n]vf+s0f ljQLo ;+:yfn] v/Lb ul/Psf] ;DklQnfO{ P]ltxfl;s nfut cjwf/0ff (Historical Cost Concept ) sf] cfwf/df ;DklQsf] k/n df]n lgwf{/0f ubf{ l:y/ ;DklQx?nfO{ v/Lb, lgdf{0f ubf{ nfu]sf] nfut d'Nosf] ;fy} ;f] ;DalGwt cGo vr{x?nfO{ ;d]t ;dfa]z ul/Psf 5g\ .
$=@ x|f;s§L
l:y/ ;DklQx?sf] x|f;s§L cfos/ P]g, @)%* cg';f/sf] b/df 36\bf] x|f; k|0ffnLsf] cfwf/df ul/Psf] 5 .
$=# k"FhLs[t gug]{ ;DkQL ;DaGwL lja/0f ?= !,))) xhf/ ;Dd jf ;f] eGbf sd d"No ePsf] tyf cNkcfo" Pj+ ;lhn} ;+u 6'6km"6 x'g ;sg] k|s[ltsf ;DkQLx?nfO{ k"FhLs[t ul/Psf] 5}g\ .
%= cfos/ Joj:yf
cfos/ P]g, @)%* df ul/Psf] Aoj:yf cg'?k cfos/sf] nflu Aoj:yf ul/Psf] 5 . clGtd s/ lgwf{/0f ;dodf x'g cfpg] km/s s/ bfloTj /sd ;f]lx avt cfjZos Joj:yf ul/ ;dfof]hg ul/g] 5 .
^= :yug cfos/
;DktL / bfloTjsf] s/ cfwf/ tyf laQLo laa/0fdf n]vf+lst /sd larsf] c:yfoL km/sdf Nffu ' cfos/ b/af6 lx;fa ul/ :yug cfos/ Aoj:yf ul/G5 . c:yfO{ km/s pkof]u ug{ ;lsg] ul/ efjL s/ of]Uo cfo pknAw x'g ;Sg] ;Defjgf ePsf] ca:yfdf :yug s/ ;Dkltsf] n]vf /fVg] lgtL /x]sf] 5 . aif{ el/df :yug s/ ;DalGw c:yfoL leGgtfnfO{ gfkmf Gff]S;fg lx;fadf n]vf+sg ul/Psf] 5 .
&= nufgL ;DaGwL gLlt
o; n3'ljQ ljQLo ;+:yfn] cGo If]qdf nufgL ;DaGwL sfd gu/]sf]n] ;f] ;DaGwdf s'g} gLlt lnPsf] 5}g .
*= ;6xL 36a9 ;dfof]hg gLlt
ljb]zL d'b|f;Fu ;DalGwt ;DklQ, bfloTj tyf ;6xL 36a9 cfDbfgL tyf vr{x? ;DalGw sf/f]af/ xfn g/x]sf] x'gfn] ;f] ;DaGwdf s'g} gLlt lnPsf] 5}g .
(= shf{ ;fk6
-s_ jlu{s/0f
;f+jf e'StfgL x"g"kg]{ efvf gf3]sf] cjlwsf cfwf/df ;Dk"0f{ shf{ ;fk6nfO{ g]kfn /fi6« a}+ssf] lgb]{zg cg";f/ c;n, sdzn, z+sf;kb / v/fa ju{x?df b]xfo cg";f/ juL{s/0f ul/Psf] 5 .
-s_ c;n M efvf ggf3]sf / # dlxgf;Dd efvf gf3]sf shf{÷;fk6 .
-v_ sd;n M # dlxgfb]lv a9Ldf ^ dlxgf;Dd efvf gf3]sf shf{÷;fk6 .
-u_ z+sf:kb M ^ dlxgfb]lv a9Ldf ! jif{;Dd efvf gf3]sf shf{÷;fk6 .
-3_ v/fj M ! jif{eGbf a9L cjlwn] efvf gf3]sf shf{÷;fk6 .
-v_ shf{ gf]S;fgL Joj:yf
g]kfn /fi6« a}+ssf] lgb]{zg adf]lhd juL{s/0f ul/Psf shf{ tyf laN; vl/bx?sf] nflu aSof}tf ;fFjf /sdsf] cfwf/df b]xfo jdf]lhd shf{ gf]S;fgL Joj:yf ul/ hf]lvd Joxf]g]{ sf]ifdf /sd ;fl/Psf] 5 M
-s_ c;n ! k|ltzt -v_ sd;n @% k|ltzt -u_ z+sf:kb %) k|ltzt -3_ v/fj !)) k|ltzt
-u_ shf{sf] ;fFjf tyf Aofh c;'n ug]{ Joj:yf
n3'ljQ ljQLo ;+:yfx?n] ;DjlGwt C0fLaf6 /sd c;'npk/ ubf{ To:tf] c;'n /sd dWo]af6 ;j{k|yd c;'n pk/ ug'{kg]{ Aofh /sd ;Dk"0f{ ?kdf c;'n pk/ eP kl5sf] cj:yfdf dfq afFsL /sd ;fFjfdf cfjZos lx;fj ldnfg ug]{ gLlt lnPsf] 5 .
-#_ shf{ ckn]vg lglt
;+rfns ;ldltsf] lg0f{odf /lx shf{ ckn]vg ug{] Aoj:yf 5 . k|:t"t jif{df s"g} shf{ ckn]vg ul/Psf] 5}g .
!)= u}/ a}lsË ;DklQsf] n]vf+sg
shf{ c;'n ug]{ l;nl;nfdf lwtf] lnnfd laqmL gePdf To;nfO{ sDkgL cfkm}n] lwtf]sf] k|rlnt ahf/ d"No / lwtf] ;sf/ ug]{ cl3Nnf] lbg ;Ddsf] ;f+jf dWo] h'g sd 5 ;f] /sddf ;sf/ ug]{ gLlt /x]sf] 5 . u}/ a}lsË ;Dkltdf g]kfn /fi6« a}+ssf] lgb]{lzsf cg';f/ ;Defljt gf]S;fgL Aoa:yf u/Lg] gLlt 5 . ljQLo ;+:yfdf xfn s'g} u}x| a}+ls¨ ;DkQL /x]sf] 5}g .
!!= cGo ;DklQ
-s_ d;nGb tyf 5kfO{ df}HbftM
sDkgLn] v/Lb u/]sf] ;j} lsl;dsf d;nGb tyf 5kfO{ ;fdfu|Lx?nfO{ vktsf] cfwf/df vr{ n]vL af+sLnfO{ P]ltxfl;s nfut cjwf/0ffsf] cfwf/df :6]zg/L df}Hbft cGtu{t cGo ;DklQdf b]vfOPsf] 5 .
!@= cfDbfgL÷vr{sf] n]vf+sg
-s_ laQLo ;+:yfn] shf{ af6 k|fKt Aofh cfosf] n]vfªsg ubf{ gub k|flKtsf cfwf/df n]vfªsg ug{] lgtL /x]sf] 5 .
-v_ ;]jf z'Ns tyf sldzg gub k|fKtLsf] cfwf/df n]vfªsg ug{] gLlt /x]sf] 5 . -u_ lgIf]kdf e'QmfgL x'g] Jofh /sdnfO{ Accural Basis df n]vfªsg ug{] gLlt /x]sf] 5 . -3_ shf{ tyf lgIf]k Jofh u0fgf ubf{ #^% lbg j/fj/ Ps jif{sf] lx;fj ul/Psf] 5 . -ª_ z]o/ nufgLaf6 k|fKt x'g] nfef+;nfO{ gubsf] cfwf/df n]vf+sg ug]{ Aoj:yf 5 .
!#= hu]8f tyf sf]if
!#=! ;fwf/0f hu]8f sf]if
a}s tyf ljlQo ;+:yf P]gdf pNn]v eP cg";f/ cfos/ Joj:yf kZrftsf] gfkmfsf] @) k|ltzt /sd ;fwf/0f hu]8f sf]ifdf ;fg]{ lglt /x]sf] 5 .
!#=@ ;6xL 36a9 sf]if
ljb]zL d'b|fsf] sf/f]jf/ cg'dtL gePsf]n] o; ;DaGwL s'g} gLlt lnPsf] 5}g .
!#=# cGo hu]8f tyf sf]if
cGo hu]8f tyf sf]ifdf ;+rfns ;ldltn] ;do ;dodf u/]sf] lg0f{o cg";f/ /sd ;fg]{ gLlt /x]sf] 5 . k|:t't jif{df g]kfn /fi6« a}+ssf] lgb]{zgfg';f/ u|fxs ;+/If0f sf]if / ;+:yfut ;fdflhs pQ/bfloTj sf]if jfkt v'b d'gfkmfsf] !–!Ü n] x'g] /sd af+8kmf+8 ul/ tL sf]ifx?df /sdfGt/ ul/Psf] 5 .
!$= sd{rf/L ;"ljwfx?M
!$=! ;+lrt labf
sd{rf/L ljlgodfjnL adf]lhd :yfoL sd{rf/Lx?sf] xsdf 3/ labf / la/fdL labf ul/ b'O{a6f labf lzif{ssf] ;+lGrt df}Hbftsf cfwf/df n]vfªsg ug]{ lgtL lnPsf] 5 .
!$=@ sd{rf/L ;+rosf]if
;+rosf]ifdf sDkgLn] !)Ü sf b/n] of]ubfg u/]sf] /sdnfO{ vr{df b]vfOPsf] 5 .
!$=# pkbfg
sd{rf/L ljlgodfjnL adf]lhd lgDgfg';f/ pkbfg sf]if Joj:yf ug]{ lgtL lnPsf] 5 .
-s_ kfr jif{ :yfoL ;]jf u/]sf] sd{rf/Ln] cfkm"n] sfd u/]sf] k|To]s jif{sf] lgldQ cflv/L Ps -!_ dlxgfsf] tna
-v_ bz jif{eGbf a9L kGw| jif{;Dd :yfoL ;]jf u/]sf] sd{rf/Ln] cfk'mn] sfd u/]sf] k|To]s jif{sf ] lgldQ cflv/L 8]9 -!=%_ dlxgfsf] tna,
-u_ kGw| jif{eGbf a9L jL; aif{;Dd :yfoL ;]jf u/]sf] sd{rf/Ln] cfkm"n] sfd u/]sf] k|To]s jif{sf ] lgldQ cflv/L b'O{ -@_ dxLgfsf] tna,
-#_ aL; aif{eGbf a9L :yfoL ;]jf u/]sf] sd{rf/Ln] cfkm"n] sfd u/]sf] k|To]s jif{sf] lgldQ cflv/L c9fO{ -@=%_ dlxgfsf] tna
!$=$ cf}+ifwL pkrf/ ;'ljwf
sd{rf/L ljlgodfjnL adf]lhd lgDg adf]lhd cf}+ifwL pkrf/ sf]if Joj:yf ug]{ lgtL lnPsf]5 .
-s_ kfFr jif{ :yfoL ;]jf u/]sf] sd{rf/Lsf] xsdf ? #),)))
-v_ kfFr jif{ b]vL bz jif{ :yfoL ;]jf u/]sf] sd{rf/Lsf] xsdf ? &),)))
-u_ kGw| jif{ :yfoL ;]jf u/]sf] sd{rf/Lsf] xsdf ? !,^),)))
-#_ aL; aif{eGbf a9L :yfoL ;]jf u/]sf] sd{rf/Lsf] xsdf ? !,*),)))
!$=% sd{rf/L ljdf ;'ljwf
sd{rf/L ljlgodfjnLdf Joa:yf eP adf]lhd ;+rfns ;ldltsf] lg0f{ofg";f/ s/f/df ePsf sd{rf/Lx? afx]s k|lt sd{rf/L ?= !,)),)))=)) sf] b/n] cfjwLs lhjg ljdf ul/Psf] 5 .
!%= ;b:o ;'/If0f sf]if M–
;b:o ;'/If0f sf]if jfktsf] ;Dk"0f{ /sdnfO{ Pp6} sf]ifdf ;dfof]hg ul/ o; sf]if kl/rfng jfkt k|fKt cfDbfgLx? ;lxt 5'§} a}+s vftfdf /flvPsf] 5 .
!^= ;+:yfut ;fdflhs pQ/bfloTj sf]if M–
g]kfn /fi6« a}+ssf] lgb]{zgfg';f/ v'b gfkmfsf] !Ü a/fa/ /sd o; sf]ifdf hDdf ul/ bfloTjdf cGtu{t ;+:yfut ;fdflhs pQ/ bfloTj sf]ifdf n]vf+sg ul/Psf] 5 .
!&= sd{rf/L bIftf clej[l4 sf]if M–
g]kfn /fi6« a}+ssf] lgb]{zgfg';f/ ut jif{ s'n sd{rf/L vr{sf] #Ü n] x'g] /sd o; cf=a=df sd{rf/L bIftf clej[l4 jfkt vr{ ug'{ kg]{ Joa:yf /x]sf] / syg sbflrt ;f] a/fa/ /sd rfn' cf=a=df sd{rf/Lx?sf] bIftf clej[l4df tf]lsP cg';f/ vr{ x'g g;s]df To:tf] afFsL /sdnfO{ sd{rf/Lsf] bIftf clej[l4 sf]ifdf hDdf u/L cfufdL cfly{s jif{df vr{ ux'g] ul/ Jofa:yf ul/Psf] 5 .
!*= cGo
-s_ lgIf]kdf Jofh vr{ k|To]s q}+df;sf] -c;f]h, kf}+if, r}q / ciff9_ cGtdf afFsL /sdsf] cf}+ift /sdn] x'g] /sdsf] lx;fan] Aofh u0fgf ul/ vr{ n]lvPsf] 5 .
-v_ Jofh k]G;g jrt cGtu{t bz jif{ kl5 8]9 u'0ff / kGb| jif{ kl5 b'O{u'0ff artnfO{ lglZrt cjwL kZrft tf]lsPsf] /sd k'¥ofP/ e'QmfgL lbg' kg]{ x'gfn] pQm artdf lbg'kg]{ JofhnfO{ vr{ n]vL cnUu} k]G;g jrt jfkt lbg'kg]{ Jofh zLif{sdf /flvPsf] 5 .
cg';'rL $=@& n]vf ;DaGwL l6Kk0fLx?
!= shf{ k|jfx, c;"nL tyf ckn]vgsf] ;f/f+z qm=;+= ljj/0f ?= xhf/df
! @)&$ ciff9 d;fGt ;Dd p7fpg afFsL shf{ ;fk6 1,242,889.02
@= @)&$ >fj0f b]vL )&% ciff9 dlxgfdf k|jfx ePsf] shf{ ;fk6 2,691,236=40
#= s_ c;'nL ePsf] ;fFjf 2,339,616.88
v_ c;'nL ePsf] Jofh 249,808.26
u_ c;'n x'g afFsL Aofh 1,5261=01
$= c;'n x'g afFsL ;fFjf 1,594,508=54
;fy} o; aif{ s'g} shf{sf] ldgfxf ul/Psf] ;fFjf tyf Aofh /x]sf] 5}g . c;'n x'g af+ls Aofh /sd u0fgf gul/Psf]n] pQm /sdnfO{ Aofh d'NtjL lx;fadf b]vfOPsf] 5}g .
@= nufgL
o; ljQLo ;+:yfn] g]kfn lkmG;f]ˆ6 sDkgL ln=df k|lt lsQf !)) sf] /bn] !),))) lsQf hDdf ? !),)),))).– -cIf/]kL bz nfv dfq_ ;+:yfks z]o/df nufgL u/]sf] /sd nfO{ nufgL lx;fadf /flvPsf] 5 .
#= lgIf]k bfloTjsf] ;f/f+z
o; ;+:yfdf cfj4 u|fxs ;b:ox?af6 ;+sng ul/Psf] lgIf]ksf] ljj/0f o; k|sf/ /x]sf] 5 . ?= xhf/df qm=;+= ljj/0f clgjfo{ jrt P]lR5s jrt ! cf=a= )&#÷)&$ ciff9 d;fGt ;Ddsf] art afFsL 266,662=34 328,304=07
@= jif{el/df yk ePsf] art 52,585=34 68,214=53
#= afFsL art 319,247=68 396,518=60
aif{sf] cGTodf s'n afFsL /x]sf] art /sd ?= &!,%&,^^,@()=)) -Psxt/ s/f]8 ;GtfjGg nfv 5};7L xhf/ b'O{ ;o gJj] ?k}ofF_ dfq /x]sf] 5 .
$= efl/t cf};t Aofhb/ cGt/ shf{ tyf ;fk6df efl/t cf};t Aofh !&=($Ü lgIf]kdf efl/t cf};t Aofh !)=$*Ü v'b Aofhb/ cGt/ &=$^Ü
%= ljQLo ;+:yfsf] k"j{ ;~rfng vr{ vr{ n]Vg afFsL g/x]sf] .
^= ljQLo ;+:yfsf] ;DklQ / bfloTj;Fu ;DalGwt sf/f]af/ / jf;nft aflx/sf] sf/f]af/ s'g} Ps JolQm, kl/jf/ jf ;+:yfdf tf]lsPsf] ;LdfeGbf a9L clws]lGb|t ePsf] laj/0f /x]sf] 5}g .
&= ljQLo ;+:yfn] ;'/If0fsf ?kdf cfˆgf] ;DklQ lwtf] /fvL s'g} /sd lnPsf] 5}g .
*= u}/ a}ls+u ;DklQ xfn;Dd ljQLo ;+:yfn] g;sf/]sf] x'gfn] To; ;DalGw ljj/0f /x]sf] 5}g .
(= z]o/ k"+hL
(=! r"Qmf k'+hLdf kl/jt{g
ut jif{sf] :jLs[t af]g; ;]o/ ?= @,)),)),)))=)) -b'O{ s/f]8 dfq_ k'+hLs[t u/L r'Stf k"FhLdf u0fgf ul/sf] 5 .
!)= k|:tfljt nfef+z
k|:t't jif{df cf=a= @)&$÷)&% sf] v'b d"gfkmfaf6 ;+:yfn] lgDgfg';f/n] r'Stf kF"hLsf] @!=)%@&Ü n] x'g] /sd ?= !,@^,#!,^@).– cIf/]kL Ps s/f]8 5lj; nfv Pslt; xhf/ 5 ;o lj; ?k}ofF dfq nfef+z k|:tfj u/]sf] 5 . s_ af]gz z]o/ r'Qmf k"FhLsf] @)Ü n] x'g] /sd ?= !,@),)),))).– v_ gub nfef+z r'Qmf k"FhLsf] !=)%@&Ü n] x'g] /sd ?= ^,#!,^@).–
!!= ;Da4 JolQm . ;d"x jf/] hfgsf/L !!=! ;+:yfks ;+:yf
;+:yfks ;+:yf dx'nL ;fd'bflos ljsf; s]Gbsf] o; sDkgLdf @% k|ltzt z]o/ nufgL /x]sf] 5 . !!=@ k|d"v Joj:yfkg sd{rf/L / ltgnfO{ k|bfg ul/Psf] kfl/>lds / ;"ljwf
!!=# ;+rfns / ltgnfO{ k|bfg ul/Psf] kfl/>lds / ;"ljwf
ljj/)f /sd hDdf a}&s eQf 1,41,000
!!=$ ;+:yfksx?n] o; ;+:yfsf] z]o/ lwtf] /flv shf{ lnPsf] 5}g . ;fy} ;+:yfksx?nfO{ s'g} shf{ k|bfg ul/Psf] 5}g .
!@= k6\6f
;+:yfsf] s"g} ljlQo jf ;+rfng k6\6f ;+emf}tf ePsf] 5}g / o; ;DaGlw bfloTj /x]sf] 5}g .
gfd Kb rfn" cf=a=df e"QmfgL ul/Psf] tna eQf /
;"ljwf s}lkmot
k|e' gf/fo0f rf}w/L sfo{sf/L cWoIf
86,500.00 075÷04÷01 b]vL 2075÷08÷11 ;Dd
/f]zg s'df/ d+8/ k|jGw ;+rfns
5,47,758
!#= cfo s/ M
!#=! :yug ul/Psf] s/ ;DklQ tyf bfloTj M
:yug s/ ;DklQ tyf bfloTj lgDgfg";f/ u0fgf ul/Psf] 5 .
ljj/)f jf;nftsf] /sd s/ cfwf/ c:yfO{ km/s l:y/ ;DklQ 12,075,108.48 12,105,907.37 30,798.89 hDdf ;DklQ 12,075,108.48 12,105,907.37 30,798.89 ;DklQdf c:yfO{ km/s 30,798.89 bfloTjdf c:yfO{ km/s - v'b c:yfO{ km/s 30,798.89 :yug s/ ;DklQ÷-bfloTj_ o; jif{;Ddsf] 9,239.67 :yug s/ ;DklQ÷-bfloTj_ ut jif{;Ddsf] 51,633.31 o; jif{ :yug s/ (42,393.64)
!#=@ ljlQo gfkmf / s/ of]Uo cfo aLr km/ssf] lx;fa ldnfg tyf cfos/ lgwf{/0f
/sd
;Dk'0f{ sf/f]af/ ;dfj]z kl5sf] v'b gfkmf 59,140,392
sd{rf/L af]g; Joj:yf 5,376,399
lalQo gfkmf 53,763,993
d/Ddt ;+ef/ -
cfly{s ljj/0fsf] cg';'rL cg';f/ d/Ddt ;+ef/ vr{ 238,682
cfos/ P]g @)%* adf]lhd ldGxf x'g] d/Ddt ;+ef/ vr{ 238,682
x|f; vr{ (146,042)
cfly{s ljj/0fsf] cg';'rL cg';f/ x|f; vr{ 2,276,378
cfos/ P]g @)%* adf]lhd ldGxf x'g] x|f; vr{ 2,422,420
hl/jfgf -sDkgL /lhi6«f/sf] sfof{no_ 25,200
ljljw vr{ -l6=l8=P;= vr{_ 535,784
hf]lvd Joxf]g]{ sf]if Joj:yf (3,082,510)
cfly{s ljj/0f adf]lhd ;Defljt gf]S;fgL Joj:yf 11,823,504
cfos/ P]g @)%* adf]lhd ldGxf x'g] /sd 14,906,014
ldGxf gx'g] sd{rf/L vr{ 9,965,205
ljbf jfktsf] Aoa:yf 5,116,519
;+lrt ljbf vr{ e'QmfgL (466,318)
k]G;g tyf pkbfg Joj:yf 5,118,003
k]G;g tyf pkbfg vr{ e'QmfgL (623,438)
sd{rf/L cf}ifwL pkrf/ Aoa:yf 1,060,440
sd{rf/L cf}ifwL pkrf/ vr{ e'QmfgL (240,000)
ut cf=j= af6 lhDd]jf/L ;/]sf] Joj;fosf] gf]S;fgL -bkmf @)=!v_ -
s/of]Uo cfo 61,061,631
cfos/ Joj:yf #) k|ltztn] 18,318,489
!$= ;b:o ;'/If0f sf]if M–
;b:o ;'/If0f sf]if jfktsf] ;Dk"0f{ /sdnfO{ Pp6} sf]ifdf ;dfof]hg ul/ o; sf]if kl/rfng jfkt k|fKt cfDbfgLx? ;lxt 5'§} a}+s vftfdf /flvPsf] 5 . o; cf=j=df o; sf]ifdf v'b gfkmfsf] !Ü n] x'g] /sd ?=!,*^,!)$.– / @) k|ltzt eGbf a9L nfef+; jfktsf] ?= ^,#!^@).– sf] @%Ü k|ltztn] x'g] /sd ?= !,%&,()%.– yk ul/ o; sf]ifdf hDdf ul/Psf] 5 . ;fy} ;b:o ;'/If0f ;+u ;DaGwLt cGo sf]ifx? ;d]t o;} sf]ifdf Pslqt ul/ k"FhLsf]ifdf u0fgf gx'g] ul/ n]vf+sg ul/Psf] 5 .
!%= ;+:yfut ;fdflhs pQ/bfloTj sf]if M–
o; cf=j=df o; sf]ifdf v'b gfkmfsf] !Ü n] x'g] /sd ?=!,*^,!)$.– afF8kmfF6 ul/ k"FhLsf]ifdf u0fgf gx'g] ul/ cGo bfloTj cGtu{tsf] ;+:yfut ;fdflhs pQ/bfloTj sf]ifdf n]vf+sg ul/Psf] 5 .
!&= sd{rf/L bIftf clej[l4 sf]if M–
g]kfn /fi6« a}+ssf] lgb]{zgfg';f/ cf=a= @)&#÷)&$ df s'n sd{rf/L vr{ ?= %,$%,*),!)#.@* ePsf] / o; cf=adf ;f] vr{sf] #Ü n] x'g] /sd ?= !^,#&,$)#.!) sd{rf/L bIftf clej[l4 jfkt vr{ ug'{ kg]{df hDdf ?= !$,%),$)#.– dfq vr{ ePsf]n] afFsL /sd ?= !,*^,(&#.!) cf=a= @)&%÷)&^ df vr{ x'g] ul/ v'b gfkmfaf6 afF8kmfF8 ul/ cGo bfloTj cGtu{tsf] sd{rf/Lsf] bIftf clej[l4 sf]ifdf hDdf u/L cfufdL cfly{s jif{df vr{ ux'g] ul/ Jofa:yf ul/Psf] 5 .
!*= cGo !*=! sDkgLsf] sd{rf/Ln] kfpg] pkbfg bfloTj sDkgLsf] sd{rf/L ljlgodfjnL jdf]lhd o; jif {
?= yk ?= %!,!*,))#=#) u/]sf] / ;'ljwf k|bfg ?= ^,@#,$#*=$) s§L ul/ s'n hDdf ?= !,#%,@$,$#&=@! Joj:yf ul/Psf] 5 .
!*=@ sDkgLsf] sd{rf/Ln] kfpg] ljbf jfktsf] bfloTj sDkgLsf] sd{rf/L ljlgodfjnL jdf]lhd o; jif{ yk ?= %%,^(,() =!$ u/]sf] / ;'ljwf k|bfg ?= (,!(,&)%=^$ s§L ul/ s'n hDdf ?= ((,!&,^^(=)) Joj:yf ul/Psf] 5 .
!*=# sDkgLsf] sd{rf/Ln] kfpg] cf}+ifwL pkrf/ ;'ljwf jfktsf] bfloTj sDkgLsf] sd{rf/L ljlgodfjnL jdf]lhd ;ldltn] lg0f{o u/] cg';f/ o; jif{ yk ?= !),^),$$)=)) u/]sf]df ?= @,$),)))=)) ;'ljwf e'QmfgL ul/ afFsL s'n hDdf ?= #$,%),#$).)) Joj:yf ul/Psf] 5 .
!*=$ sDkgLn] sd{rf/Lx?sf] nfuL o; jif{ ljdf jfkt ?= (&#$&!=*! lk|ldod vr{ lt/]sf] 5 .
!*=% af]g; P]g adf]lhd sd{rf/L af]g;sf] nflu Joj:yf ul/Psf] 5 .
!*=^ ut jif{sf c+sx? cfjZostfg";f/ t"ngfof]Uo agfpg k"gM juL{s/0f ul/Psf 5g\ .
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
-074 ciff( d;fGt_ ?k}ofdf
qm=;+= ;+:yfks÷;+:yfks ;d"x cGtu{t kg]{ z]o/wgLsf] gfd
;+:yfkssf] :jfldTjdf sfod /x]sf] z]o/ shf{ ljj/)f
s}lkmot 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
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Annex-4.29
Comparision of Unaudited and Audited Financial Stat ements
S.N. Praticular As Per
Unaudited Financial Statement
As Per Audited Financial
Statement
Variance
Reason For Variance In
Amou
nt
In %
1 Total Capital and Liabilities (1.1 to 1.7) 1,769,730 1,754,274 1.1 Paid Up Capital 60,000 72,000 -12,000 -20% Proposed Bonuse Share
1.2 Reserve and Surplus 150,716 141,450 9,265 6% Adjustment of Reserve and Surplus
1.3 Proposed Dividend 0 632 -632 Proposed Dividend
1.4 Debenture and Bond 0 0 0 1.5 Borrowing 733,972 732,173 1,799 0% Adjustment of borrowing
1.6 Deposits (a+b) 715,766 715,766 0 0% 1.7 Income Tax Liability 35,588 18,318 17,269 49% Adjustment of income tax
1.8 Other Liability 73,688 73,935 -246.32 0% 2 Total Asstes(2.1 to 2.7) 1,769,730 1,754,274 15,456 1%
2.1 Cash and Bank Balance 1,554 1,554 0 0%
2.2 NRB Balance 0 0 0
2.3 Bank Balance 55,388 55,540 -152 0% Call account treated as bank balance
2.4 Money at Call and Short Notice 103,112 103,112 0 0%
2.5 Investments * 1,000 1,000 0 0%
2.6 Loan and advance 1,550,088 1,550,088 0 0%
2.7 Fixed Assets 12,075 12,075 0 0% 2.8 Non Banking Assets 0 0 0
2.9 Other Assets 46,513 30,905 15,608 34%
3 Profit and Loss Account
3.1 Interest Income 252,499 252,499 0 0% 3.2 Interest Expenses 122,321 120,369 1,951 2% Adjustment of bank interest
A.Net Interest Income(3.1-3.2) 130,178 132,129 -1,951 -1%
3.3 Commission and Other Income 30,301 31,528 -1,227 -4%
3.4 Foreign Exchange Gain/Loss 0 0 0 B.Total Operation Income(A.+3.3+3.4+3.5) 160,479 163,657 -3,179 -2%
3.5 Staff Expenses 72,893 72,893 0 0%
3.6 Other Operating Expanses 19,800 19,800 0.000 0%
C.Operating Profit Before Provision(B. -3.6-3.7) 67,785 70,964 -3,179 -5%
3.7 Provision for possible Lossess 13,063 13,063 0 0% D.Operating Profit(C-3.8) 54,722 57,901 -3,179 -6%
3.8 Non Operating Income /Expenses(Net) 0 0 0 3.9 Write Back Of Provision For Possible Loss 1,240 1,240 0 0%
E.Profit from Regular Acitivities(D+3.9+3.10) 55,962 59,140 -3,179 -6%
3.1 Extraordinary Income /Expenses (Net) F.Profit before Bonus and Taxes(E.+3.11) 55,962 59,140 -3,179 -6%
3.11 Provisoin for staff Bonus 5,596 5,376 220 4%
3.12 Provision for Tax 35,588 35,154 434 1%
G.Net Profit /Loss(F.-3.12-3.13) 14,778 18,610 -3,832 -26%
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N. BRANCH NAME
S.
N. BRANCH NAME
S.
N. BRANCH NAME
1 Mahuli Branch Agnisair Krishana SawaranRural Muncipality-6 , Mahuli, Saptari Phone: 031-411009 Email: [email protected] Branch Manager :- Mr. Ramesh Kumar Chaudhary
2 Topa Branch Hanumannagar Yoginiya Muncipality-5, Hanumannagar, Saptari Phone: Email: [email protected] Branch Manager :- Mr. Chatur Narayan Chaudhary Contact Number :- 031-580094
3 Maleth Branch Kanchanrup Muncipality-5, Maleth, Saptari Phone : Email : [email protected] Branch Manager :-Mr. Tej Narayan Chaudhary Contact Number :- 9842832515/9808294952
4 Kathauna Branch Shambhunath Muncipality-6, Kathauna, Saptari Phone: 031-410043 Email:[email protected] Branch Manager :- Mrs. Sushma Kumari Timalsena Contact Number :- 9842582689/9801546643
5 Arnaha Branch Shambhunath Rural Muncipality-12, Arnaha Saptari Phone: Email: [email protected] Branch Manager :- Mr. Ashok Kumar Sharma Contact Number :- 9807011052
6 Rajbiraj Branch Rajbiraj Muncipality-5, Saptari Phone: 031-520858 Email: [email protected] Branch Manager :- Mr. Rajn i Kant Chaudhary Contact Number :- 9815700423
7 Kushaha Branch Surunga Muncipality-6, Kushaha, Saptari Phone: Email:[email protected] Branch Manager :- Mrs. Rita Kumari Paudel Contact Number :- 9802750046/9804311045
8 Malahaniya Branch Balan Bihul Rural Muncipality-1, Malhaniya, Saptari Phone: Email:info.malhaniya@ms lbsl.com.np Branch Manager :- Mra. Anita Chaudahry Contact Number :- 9819772286
9 Beltar Branch Chaudandigadhi Muncipality-6, Beltar, Udaypur Phone: 035-440433 Email: info.beltar@ms lbsl.com.np Branch Manager :-Mr. Tak Bahadur Rai Contact Number :- 9819902980
10 Gaighat Branch Triyuga Muncipality-11, Gaighat, Udaypur Phone: 035-420492 Email: [email protected] Branch Manager :- Mr. Gopal Prasad Sah Contact Number :- 9801508908
11 Rampur Thoksila Branch Belaka Muncipality-9, Rampur Thoksila, Udaypur Phone:-035-430030 Email:info.rampurthoksila@ms lbsl.com.np Branch Manager :- Mr. Home Kumar Singh Contact Number :- 9805956700
12 Murkuchi Nepaltar Branch Udaypurgadhi Rural Muncipality-5, Nepaltar, Udaypur Phone: Email:[email protected] Branch Manager :- Mr. Binod Prasad Sah Contact Number :- 9807740808
13 Lahan Branch Lahan Muncipality-1, Lahan Sirha Phone: 033-561025 Email: [email protected] Mr. Santosh Kumar Yadav Contact Number :- 9819933411
14 Bhagwanpur Branch Bhangwanpu Rural Muncipalityr-1, Bhagwanpur Sirha Phone: Email:[email protected] Branch Manager :- Mr. Bhikhan Chaudhary Contact Number :- 9808345225
15 Kalyanpur Jawadhi Branch Mirchaiya Muncipality -5, Mirchaiya Sirha Phone:033 403054 Email: inof.kjabdi@ms lbsl.com.np Branch Manager :- Mr. Ramanand Chaudhay Contact Number :- 9842519827
16 Diktel Branch Rupakot Majhuwachung Muncipality-1Dikte, Khotang Phone: 036-420603 Email: info.diktel@ms lbsl.com.np
17 Arkhaule Branch Haleshi Tuwachung Muncipality-10, Arkhaile Khotang Phone: Email: [email protected]
18 Khotang Bazzar Branch Khotehang Rural Muncipality-7, Khotangbazzar, Khotang Phone: 036-413020 Email: [email protected]
Branch Manager :- Mr. Prakash Kumar Lekhi Contact Number :- 9862822383/9807785857
m.np Branch Manager :- Mr. Krishan Prasad Kafle Contact Number :- 9808826140
Branch Manager :- Mr. Sachidanand Chaudhary Contact Number :- 9816764562
19 Chatra Branch Branah Muncipality-2 Bairwan, Sunsari Phone: 025-550126 Email: [email protected] ranch Manager :- Mr. Maheshwar Prasad Chaudahry Contact Number :- 9807730172
20 Bange Branch Barah Muncipality-7, Bange, Sunsari Phone: Email: [email protected] Branch Manager :- Mr. Damber Narayan Yadav Contact Number :- 9804739318
21 Rambazzar Branch Shidhicharan Muncipality-11, Okhaldhunga Phone: 037-520521 Email:[email protected] Branch Manager :- Mr. Raja Ram Chaudahry Contact Number :- 9803448371
22 Manebhanjyang Branch Manebhanjyang Rural Muncipality-5, Okhaldhunga Phone: Email:info@[email protected] Branch Manager :- Mr. Dinesh Chaudhary Contact Number :- 9819935504
23 Bhohjpur Branch Bhohjpur Muncipality-7, Bhohjpur Phone: 029-420628 Email: [email protected] Branch Manager :- Mr. Ashok Kumar Sah Contact Number :- 9815714825
24 Ghoretar Branch Hatuwagadhi Rural Muncipality-1, Ghodetar Bazzar, Bhohjpur Phone: 029-412034 Email: [email protected] Branch Manager :- Mr. Dinesh Raut Contact Number :- 9842907783
25 Kapilakot Branch Marin Rural Muncipality-6, Kapilakot, Sindhuli Phone: Email: info.kap [email protected] Branch Manager :- Mr. Dilip Kumar Chaudhary Contact Number :- 9808345236
26 Khaniyakhark Branch Golanjor Rural Muncipality-5, Sindhuli Phone: 047-691981 Email:[email protected] Branch Manager :- Mr. Sunil Kumar Chaudhary Contact Number :- 9816735650
27 Jorpati Branch Chhathar Jorpati Rural Muncipality-2, Dhankuta Phone: 026-404170 Email: info.jo [email protected] Branch Manager :- Mr. Kishor Kumar Mehata Contact Number :- 9862815277, 9807777087
28 Ramechhap Branch Ramechhap Municipality-5, Ramechhap Dada, Ramechhap Phone: 048-400115 Email:[email protected] Branch Manager :- Mr. Tarakant Chaudahry Contact Number :- 9842879505
29 Balankha Branch Aamchok Rural Muncipality-4, Balankha Bazar Bhohjpur Phone: Email: [email protected] Branch Manager :- Mr. Tok Nath Newpane Contact Number :- 9862142956
30
Chhinnamasta Branch Chhinnamasta Rural Muncipality-4, Chhinnamasta Bazar Saptari Phone: Email:[email protected] Branch Manager :- Mr. Bishanudeo Chaudhary Contact Number :- 9814760142
31 Chakmake Branch Tinpatan Rural Muncipality-11, Chakmake Bazar Sindhuli Phone: Email: [email protected] Branch Manager :- Mr. Hemraj Dahal Contact Number :- 9866792628
32
Ausidada Branch Fedap Rural Muncipality-1, Asusi dada Bazar Terhathum Phone: Email: [email protected] Branch Manager :- Mr. Anil Kumar Chaudhary Contact Number :- 9807787970
33
Godaita Branch Godaita Muncipality-8,Godaita Bazar, Sarlah i Phone: Email: [email protected] Branch Manager :- Mr. Ganesh Kumar Chaudhary Contact Number :-
9807637154
34 Jhumka Branch Ramdhuni Muncipality-5, Jhumka Bazar Sunsari Phone:025-562708
35
Nele Branch Thulung Dudhkoshi Rural Muncipality-1, So lukhumbu Phone:
36
Ramgopalpur Branch Ramgopalpur Muncipality-4, Mahotari Phone:
Email: [email protected] Branch Manager :- Mr. Suresh Kumar Chaudhary Contact Number :- 9816723616
Email: [email protected] Branch Manager :- Mr. Ganesh Bahadur Khadaka Contact Number :-9842536391
Email:[email protected] Branch Manager :- Mr. Durganand Yadav Contact Number :-9816708506
37 Num Branch Makalu Rural Muncipality-5,Num Bazar Sankhuwasabha Phone: Email: [email protected] Branch Manager :- Mr. Nirmal Si Rai Contact Number :-
9863052664/9742123410
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